[
Allianz Global Corporate & Specialty [AGCS]. (2023). Allianz risk barometer. The top business risks for 2024. https://commercial.allianz.com/news-and-insights/reports/allianz-risk-barometer.html
]Search in Google Scholar
[
Banker, R. D., Charnes, A., & Cooper, W. W. (1984). Some models for estimating technical and scale inefficiencies in data envelopment analysis. Management Science, 30(9), 1078-1092. https://doi.org/10.1287/mnsc.30.9.1078
]Search in Google Scholar
[
Berdak, O., & Williams, J. (2021). The State of Digital Insurance, 2021. Landscape: The Digital Insurance Strategy Playbook. Forrester Research. https://www.onespan.com/sites/default/files/2021-03/OneSpan-AnalystReport-Forrester-State-of-Digital-Insurance-2021.pdf
]Search in Google Scholar
[
Berghaus, S., & Back, A. (2016). Stages in digital business transformation: Results of an empirical maturity study. Proceedings of Association for Information SystemsMCIS 2016 (Vol. 22). https://aisel.aisnet.org/cgi/viewcontent.cgi?article=1022&context=mcis2016
]Search in Google Scholar
[
Bohnert, A., Fritzsche, A., & Gregor, S. (2019). Digital agendas in the insurance industry: The importance of comprehensive approaches. The Geneva Papers on Risk and Insurance – Issues and Practice, 44(1), 1-19. https://doi.org/10.1057/s41288-018-0109-0
]Search in Google Scholar
[
Chanias, S., & Hess, T. (2016). How digital are we? Maturity models for assessment of a company’s status in digital transformation. LMU Munich Management Report 2/2016. Munich School of Management. https://epub.ub.uni-muenchen.de/57622/
]Search in Google Scholar
[
Charnes, A., Cooper, W. W., & Rhodes, E. (1978). Measuring the efficiency of decision making units. European Journal of Operational Research, 2(6), 429-444. https://doi.org/10.1016/0377-2217(78)90138-8
]Search in Google Scholar
[
Cummins, J. D., & Xie, X. (2013). Efficiency, productivity, and scale economies in the U.S. property-liability insurance industry. Journal of Productivity Analysis, 39, 141-164. https://doi.org/10.1007/s11123-012-0302-2
]Search in Google Scholar
[
Cummins, J. D., & Weiss, M. A. (2013). Analyzing firm performance in the insurance industry using frontier efficiency and productivity methods. In G. Dionne (Ed.). Handbook of insurance (pp. 767-829). Springer. https://doi.org/10.1007/978-94-010-0642-2_24
]Search in Google Scholar
[
Duvnjak, M. (2022). Procjena digitalne zrelosti društava za osiguranje na tržištu Repub-like Hrvatske [Assessment of digital maturity of insurance companies in Croatian insurance market] [Unpublished Postgraduate Specialist Study Thesis]. Faculty of Electrical Engineering and Computing, University of Zagreb. Digital Academic Archives and Repositories (DABAR). https://urn.nsk.hr/urn:nbn:hr:168:730962
]Search in Google Scholar
[
European Insurance and Occupational Pensions Authority [EIOPA]. (2023). Customer Trends Report 2022. https://www.eiopa.europa.eu/system/files/2023-01/eiopa-consumer-trends-report-2022.pdf
]Search in Google Scholar
[
Eling, M., & Lehmann, M. (2018). The impact of digitalization on the insurance value chain and the insurability of risks, Geneva Papers on Risk Insurance ‒ Issues and Practice, 43(3), 359-396. https://doi.org/10.1057/s41288-017-0073-0
]Search in Google Scholar
[
Eling, M., & Luhnen., M. (2010). Frontier efficiency methodologies to measure performance in the insurance industry: Overview, systematization, and recent developments. The Geneva Papers on Risk and Insurance-Issues and Practice, 35(2). 217-265. https://doi.org/10.1057/gpp.2010.1
]Search in Google Scholar
[
Eling, M., Nuessle, D., & Staubli, J. (2022). The impact of artificial intelligence along the insurance value chain and on the insurability of risks. Geneva Papers on Risk Insurance – Issues and Practice, 47(2), 205-241. https://doi.org/10.1057/s41288-020-00201-7
]Search in Google Scholar
[
Gajsek, B., Marolt, J., Rupnik, B., Lerher, T., & Sternad, M. (2019). Using maturity model and discrete-event simulation for Industry 4.0 implementation. International Journal of Simulation Modelling, 18(3), 488-499. https://doi.org/10.2507/IJSIMM18(3)489
]Search in Google Scholar
[
Golany, B., & Roll, Y. (1989). An application procedure for DEA. Omega, 17(3), 237-250. https://doi.org/10.1016/0305-0483(89)90029-7
]Search in Google Scholar
[
Goldman Sachs. (2021). Insurance survey 2021. Goldman Sachs Insurance Asset Management. https://qa.gsam.com/content/gsam/global/en/market-insights/gsam-insights/2021/insurance-survey-2021.html/1000
]Search in Google Scholar
[
Hatami-Marbini, A., & Saati, S. (2020). Measuring performance with common weights: Network DEA. Neural Computing and Applications, 32, 3599-3617. https://doi.org/10.1007/s00521-019-04219-4
]Search in Google Scholar
[
Hrvadski ured za osiguranje [Croatian Insurance Bureau]. (2022). Tržište osiguranja u Republici Hrvatskoj 2021 [Insurance market in the Republic of Croatia 2021]. https://huo.hr/upload_data/site_files/godisnje_izvjesce_2021-web.pdf
]Search in Google Scholar
[
Huang, W., & Eling, M. (2013). An efficiency comparison of the non-life insurance industry in the BRIC countries. European Journal of Operational Research, 226(3). 577-591. https://doi.org/10.1016/j.ejor.2012.11.008
]Search in Google Scholar
[
International Association of Insurance Supervisors [IAIS]. (2017). FinTech developments in the insurance industry. https://www.iaisweb.org/uploads/2022/01/Report_on_FinTech_Developments_in_the_Insurance_Industry.pdf
]Search in Google Scholar
[
Ivančić, L., Suša Vugec, D., & Bosilj Vukšić, V. (2019). Robotic process automation: Systematic literature review. In C. Di Ciccio et al. (Eds.), Business process management: Blockchain and Central and Eastern Europe Forum (Lecture Notes in Business Information Processing, Vol. 361, pp. 280-295). Springer. https://doi.org/10.1007/978-3-030-30429-4_19
]Search in Google Scholar
[
Jurčević, B., & Žaja, M. M. (2013). Banks and insurance companies efficiency indicators in the period of financial crisis: The case of the Republic of Croatia. Economic research-Ekonomska istraživanja, 26(1), 203-224. https://doi.org/10.1080/1331677X.2013.11517598
]Search in Google Scholar
[
Kaffash, S., Azizi, R., Huang, Y., & Zhu, J. (2020). A survey of data envelopment analysis applications in the insurance industry 1993-2018. European Journal of Operational Research, 284(3), 801-813. https://doi.org/10.1016/j.ejor.2019.07.034
]Search in Google Scholar
[
Kelley, C., & Wang, K. (2021). InsurTech: A Guide for the Actuarial Community. Willis Towers Watson and Society of Actuaries. https://www.soa.org/49bb46/globalassets/assets/files/resources/research-report/2021/insurtech-guide-community.pdf
]Search in Google Scholar
[
Kirmizi, M., & Kocaoglu, B. (2023). Design features of digital transformation maturity models: A systematic literature analysis and future research directions. Journal of Modelling in Management, 19(2), 313-341. https://doi.org/10.1108/JM2-11-2022-0271
]Search in Google Scholar
[
Kruljac, Ž., & Knežević, D. (2019). Modeli digitalne zrelosti poduzeća – objašnjenje, pregled literature i analiza [Digital maturity models – explanation, literature review and analysis]. Obrazovanje za poduzetništvo, 9(2), 72-84. https://hrcak.srce.hr/file/335175
]Search in Google Scholar
[
Lanfranchi, D., & Grassi, L. (2021). Translating technological innovation into efficiency: The case of US public P&C insurance companies. Eurasian Business Review, 11(6), 565-585. https://doi.org/10.1007/s40821-021-00189-7
]Search in Google Scholar
[
Lanfranchi, D., & Grassi, L. (2022). Examining insurance companies’ use of technology for innovation. The Geneva Papers on Risk and Insurance – Issues and Practice, 47, 520-537. https://doi.org/10.1057/s41288-021-00258-y
]Search in Google Scholar
[
Li, Z., Li, Y., & Zhang, W. (2021). Configuration analysis of influencing factors of operating efficiency based on fsQCA: Evidence from China’s property insurance industry. Chinese Management Studies, 15(5), 1085-1103. https://doi.org/10.1108/CMS-04-2020-0151
]Search in Google Scholar
[
Lin, L., & Chen, C. C. (March, 2020). The promise and perils of InsurTech. Singapore Journal of Legal Studies, 115-142. https://www.jstor.org/stable/27032603
]Search in Google Scholar
[
Ma, Y. L., & Ren, Y. (2023). InsurTech – promise, threat or hype? Insights from stock market reaction to InsurTech innovation. Pacific-Basin Finance Journal, 80, 102059. https://doi.org/10.1016/j.pacfin.2023.102059
]Search in Google Scholar
[
McKinsey & Company. (2018). Digital insurance in 2018: Driving real impact with digital and analytics. https://www.mckinsey.com/industries/financial-services/our-insights/digital-insurance-in-2018-driving-real-impact-with-digital-and-analytics
]Search in Google Scholar
[
Medved, D., & Kavčič, S. (2012). An empirical study of efficiency in Croatia and Slovenia insurance markets. Economic research – Ekonomska istraživanja, 25(1), 87-98. https://doi.org/10.1080/1331677X.2012.11517496
]Search in Google Scholar
[
Naujoks, H., Mueller, F., & Kotalakidis, N. (2020). Digitalization in insurance: The multibillion dollar opportunity. Bain & Company. https://www.bain.com/contentassets/4579389b9c134f03919cf840a5e7559e/bain_brief_digitalization_in_insurance_the_multibillion_dollar_opportunity.pdf
]Search in Google Scholar
[
Ochoa-Urrego, R. L., & Pena-Reyes, J. I. (2021). Digital maturity models: A systematic literature review. In D. R. A. Schallmo & J. Tidd (Eds.), Digitalization approaches, case studies, and tools for strategy, transformation and implementation (pp. 77-85). Springer. https://doi.org/10.1007/978-3-030-69380-0_5
]Search in Google Scholar
[
Ostrowska, M. (2021). Does new technology put an end to policyholder risk declaration? The impact of digitalisation on insurance relationships. The Geneva Papers on Risk and Insurance – Issues and Practice, 46, 573-592. https://doi.org/10.1057/s41288-020-00191-6
]Search in Google Scholar
[
Pallant, J. (2020). SPSS survival manual: A step by step guide to data analysis using IBM SPSS. McGraw-Hill Education. https://doi.org/10.4324/9781003117452
]Search in Google Scholar
[
Pervan, M., Ćurak, M., & Pavić Kramarić, T. (2021a). Has accession to the European Union affected the efficiency of Croatian insurance companies? Zagreb International Review of Economics and Business, 24(1), 67-98. https://doi.org/10.2478/zireb-2021-0004
]Search in Google Scholar
[
Pervan, M., Ćurak, M., & Pavić Kramarić, T. (2021b). A comparative analysis of the efficiency of life and non-life sectors in selected CEE countries. Ekonomski vjesnik/Econviews – Review of Contemporary Business, Entrepreneurship and Economic Issues, 34(2), 279-290. https://doi.org/10.51680/ev.34.2.3
]Search in Google Scholar
[
Röglinger, M., & Pöppelbuß, J. (2011). What makes a useful maturity model? A framework of general design principles for maturity models and its demonstration in business process management. Proceedings of the 19th European Conference on Information Systems, 28. European Research Center for Information Systems (ERCIS), University of Münster. https://fim-rc.de/Paperbibliothek/Veroeffentlicht/327/wi-327.pdf
]Search in Google Scholar
[
Sheng, C., Kottman, D., Kang, L., Prestinari, I., Jiang, X., Chen, W., & Li, X. (2017). Technology-driven value generation in insurance (Industry Report). Oliver Wyman. https://www.oliverwyman.com/content/dam/oliver-wyman/v2/publications/2017/jun/Technology_Value_Driven_o6.pdf
]Search in Google Scholar
[
Škrinjarić, T. (2016). Analiza relativne efikasnosti industrije osiguranja europskih zemalja korištenjem analize omeđivanja podataka. [Relative efficiency of industry insurance in Europe: Data envelopment analysis approach]. Ekonomski pregled, 67(1), 3-26. https://hrcak.srce.hr/file/227980
]Search in Google Scholar
[
Spremić, M. (2020). Digitalna transformacija poslovanja [Business digital transformation]. Faculty of Economics and Business, University of Zagreb.
]Search in Google Scholar
[
Teichert, R. (2019). Digital transformation maturity: A systematic review of literature. Acta Universitatis Agriculturae et Silviculturae Mendelianae Brunensis, 67(6), 1673-1687. https://doi.org/10.11118/actaun201967061673
]Search in Google Scholar
[
Učkar, D., & Petrović, D. (2022). Efficiency of insurance companies in Croatia. Ekonomska Misao i Praksa, 31(1), 49-79. https://hrcak.srce.hr/file/403499
]Search in Google Scholar
[
VanBoskirk, S., Gill, M., Green, D., Swire, J., Birrell, R., & Berman, A. (2017). The Digital Maturity Model 5.0. Forrester. https://www.forrester.com/report/The-Digital-Maturity-Model-50/RES136841
]Search in Google Scholar