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The interplay of external punishment and internal rewards: an exploratory study of insurance fraud
Umeå University, Faculty of Social Sciences, Umeå School of Business and Economics (USBE), Business Administration.ORCID iD: 0000-0001-8185-6879
Fordham University.
2014 (English)In: Journal of Financial Services Marketing, ISSN 1363-0539, E-ISSN 1479-1846, Vol. 19, no 4, 253-264 p.Article in journal (Refereed) Published
Abstract [en]

Economic theories related to ethical consumer behaviour have for the most part examined the role of external incentives and deterrents, and relatively less focus has been given to the role of internal incentives. This study explores the independent and joint effects of internal rewards and external punishment mechanisms on the likelihood of consumers exhibiting unethical behaviour in insurance fraud (IF) contexts. By utilizing a data set consisting of survey data on over 43 000 consumers across 26 European countries, this study examines the interaction of internal moral values and external deterrents, affecting unethical consumer behaviour. Ordinal regression analysis and binary logistic regression were used to assess the role of internal rewards and external punishment mechanisms in the occurrence of IF. Attitudinal differences towards IF and perceptions of the probability of being caught were used to classify customers and to predict the incidence of IF. Demographic variables were also found to be correlated with IF. Perceptions of ineffectiveness of fraud investigation and detection systems by fraudulent customers significantly influences their likelihood to commit IF.

Place, publisher, year, edition, pages
2014. Vol. 19, no 4, 253-264 p.
Keyword [en]
insurance marketing, ethics, consumer fraud
National Category
Business Administration
URN: urn:nbn:se:umu:diva-111194DOI: 10.1057/fsm.2014.25ScopusID: 2-s2.0-84908491552OAI: diva2:867926
Available from: 2015-11-07 Created: 2015-11-07 Last updated: 2016-06-15Bibliographically approved

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Dehghanpour Farashah, Ali
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ReferencesLink to record
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