Source: https://jibm.ut.ac.ir/article_69944.html
Timestamp: 2019-04-21 17:00:54+00:00

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هدف: این مطالعه، به‎دنبال تعیین میزان مشارکت مشتری در ایجاد ارزش برای شرکت در مراحل مختلف چرخه عمر رابطه در نمایندگی‎های بیمه پارسیان است.
روش: برای دستیابی به هدف پژوهش، مشتریان شرکت بیمه پارسیان در شهر تبریز برای جامعه آماری انتخاب شدند. 386 مشتری با تکمیل پرسشنامه، در پژوهش مشارکت کردند. برای انتخاب نمونه آماری از روش نمونه‌گیری در دسترس استفاده شد و داده‌های پژوهش با استفاده از تحلیل عاملی تأییدی و آنالیز واریانس آزمایش شدند. مطالعه حاضر از لحاظ هدف از نوع تحقیقات کاربردی و از حیث روش از نوع تحقیقات توصیفی است. روایی ابزار اندازه‎گیری با استفاده از روایی محتوا، روایی همگرا و روایی واگرا به تأیید رسید و پایایی ابزار اندازه‎گیری نیز از طریق سه روش آلفای کرونباخ، پایایی مرکب و متوسط واریانس تبیین‌شده، تأیید شد.
یافته‌ها: نتایج پژوهش نشان داد که در مراحل مختلف چرخه عمر رابطه، مشارکت مشتریان در ایجاد ارزش برای شرکت بیمه متفاوت است. در مراحل ابتدایی رابطه، میزان مشارکت مشتریان در ایجاد ارزش، کم است و با توسعه رابطه، مشتریان در ایجاد ارزش برای شرکت بیمه مشارکت بیشتری دارند و در مرحله کاهش رابطه، میزان مشارکت نیز کاهش می‎یابد. همچنین نتایج نشان می‎دهد که بیشترین مقدار ارزش طول عمر مشتری، ارزش تأثیرگذاری و دانش مشتری در مرحله حفظ رابطه و بیشترین مقدار ارزش ارجاع مشتری در مرحله توسعه رابطه ایجاد می‎شود.
نتیجه­ گیری: مشارکت مشتری در ایجاد ارزش برای شرکت حالت پویا دارد و متناسب با سطح رابطه شرکت و مشتری، در مراحل مختلف چرخه عمر رابطه تغییر می­کند.
Do different customers have the same degree of enthusiasm to engage in creation of values for the companies?
What kinds of values are sought by the customers of different relationship life cycle?
This study is applied in nature and descriptive in terms of methodology. The population of the study includes all the customers of different branches of Parsian Insurance Company in Tabriz. The population was considered as infinite and a sample size of 386 customers was selected according to Cochran approach and based on non-incidental availability of the customers. The participants in the present study were selected from among actual insurance users. The data were collected using questionnaires. 520 questionnaires were distributed in order to receive at least 386 completed ones. All 52 branches of Parsian Insurance Company were investigated in order to reduce the ethnicity judgmental error. Cronbach alpha, Composite Reliability (CR), and Average Variance Extracted (AVE) reliability measures were used. Besides, content and construct (convergent and divergent) validity measures were sought. Content validity was measured using experts’ opinions. Finally, variance analysis was used to test the research hypotheses.
We can conclude that the highest customer engagement rate occurs within the third stage (maturity or maintenance) of the relationship life cycle where the nature of the relationship between the customer and the firm is more intimate. In the developing and maintaining stages of the relationship, the customers are willing to directly (repurchasing) and indirectly (introducing new customers, influencing others and giving feedback) engage in creating of values to the Insurance Company. Due to the lack of comprehensive knowledge of the firm and limited trust, in the early stages (cognitive stage) of the relationship, customer’s engagement in value creation is lower. Similarly, in the final stages of the relationship (decline in relationship), direct (customers’ life cycle value) and indirect (reference value, influence value and customers’ awareness value) engagement reduces significantly. In general, as the relationship progresses the willingness to engage in such activities increases and reaches the apex in the maturity stage and the engagement reduces as the customers enter the final stage of the relationship. Variance Analysis test shows different customer’s engagement within different stages of the relationship between the customer and the firm.
The present study has helped improve the customer engagement marketing literature in different ways: a first, we suggest that customer engagement value is dynamic because of the relationship dynamism theory and that such value increases as the relationship progresses. Besides, this study provides an empirical test based on the proposed framework regarding insurance services and shows that the customers’ engagement in value creation differs from one stage to another. Third, the few studies regarding customer engagement are conducted in developed countries and the present study is the first one conducted in a developing country like Iran, so it can help enrich this area of research.
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