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[{"key": "dc.contributor.advisor", "value": "Clements, Kati", "language": "", "element": "contributor", "qualifier": "advisor", "schema": "dc"}, {"key": "dc.contributor.author", "value": "Ik\u00e4valko, Juuso", "language": "", "element": "contributor", "qualifier": "author", "schema": "dc"}, {"key": "dc.date.accessioned", "value": "2019-05-02T06:19:19Z", "language": null, "element": "date", "qualifier": "accessioned", "schema": "dc"}, {"key": "dc.date.available", "value": "2019-05-02T06:19:19Z", "language": null, "element": "date", "qualifier": "available", "schema": "dc"}, {"key": "dc.date.issued", "value": "2019", "language": "", "element": "date", "qualifier": "issued", "schema": "dc"}, {"key": "dc.identifier.uri", "value": "https://jyx.jyu.fi/handle/123456789/63683", "language": null, "element": "identifier", "qualifier": "uri", "schema": "dc"}, {"key": "dc.description.abstract", "value": "Esineiden internet (IoT) ja sen laitteiden tuottama data mahdollistaa moninaisten sovellusten ja palvelujen kehitt\u00e4misen. Yksityiskohtainen data mahdollistaa reaaliaikaisen seuraamisen sek\u00e4 analysoinnin, jolloin palveluntuottajat pystyv\u00e4t tarjoamaan v\u00e4litt\u00f6m\u00e4n palautteen palvelun k\u00e4ytt\u00e4j\u00e4lle. T\u00e4m\u00e4 reaaliaikaisuus ja datan yksityiskohtaisuus luo ratkaisuja my\u00f6s vakuutusyhti\u00f6ille, sill\u00e4 heid\u00e4n olisi mahdollista datan avulla arvioida yksitt\u00e4isen asiakkaan riskitasoa, hinnoitella vakuutuksia sek\u00e4 valvoa vakuutettuja kohteita. Ongelmaksi muodostuu ihmisten haluttomuus luovuttaa yksityiskohtaista ja henkil\u00f6kohtaista IoT-dataansa t\u00e4llaisiin tarkoituksiin. Tutkielman tarkoituksena on tutkia vakuutusyhti\u00f6iden asiakkaiden halukkuutta luovuttaa esineiden internetin dataa vakuutusyhti\u00f6ille, sek\u00e4 selvitt\u00e4\u00e4 mitk\u00e4 syyt edesauttavat tai est\u00e4v\u00e4t datan luovuttamisen.\nTutkielman teoreettinen viitekehys rakennettiin kirjallisuuskatsauksessa l\u00f6ydettyjen havaintojen pohjalta. Viitekehyksess\u00e4 IoT-datan luovuttamisen halukkuutta selvitettiin nelj\u00e4n eri tekij\u00e4n avulla: halukkuus luovuttaa IoT-dataa, taloudelliset hy\u00f6dyt, palvelua parantavat hy\u00f6dyt ja yksityisyyden riskit. \nTutkielman empiirisess\u00e4 tutkimusosuudessa toteutettiin eri-ik\u00e4isille suomalaiselle suunnattu strukturoitu verkkokysely helmi-maaliskuussa 2019. Analysointiin hyv\u00e4ksyttiin yhteens\u00e4 126 vastausta. Tutkittavien muuttujien yhteyksi\u00e4 selvitettiin SPSS-ohjelmalla toteutetulla lineaarisella regressio-analyysilla, jossa vertailtiin taloudellisten hy\u00f6tyjen, palvelua parantavien hy\u00f6tyjen ja yksityisyyden riskien suhdetta halukkuuteen luovuttaa IoT-dataa vakuutusyhti\u00f6ille.\nEmpiirisen tutkimusosuuden tulokset tukevat rakennettua viitekehyst\u00e4, sill\u00e4 malli selitt\u00e4\u00e4 60,3 prosenttia vakuutusyhti\u00f6iden asiakkaiden halukkuudesta luovuttaa esineiden internetin dataansa vakuutusyhti\u00f6ille. Tulosten pe-rusteella palveluja parantavilla hy\u00f6dyill\u00e4 on merkitt\u00e4v\u00e4 positiivinen vaikutus halukkuuteen luovuttaa IoT-dataa vakuutusyhti\u00f6ille. Yksityisyyden riskeill\u00e4 on merkitt\u00e4v\u00e4 negatiivinen vaikutus. Taloudelliset hy\u00f6dyt-muuttuja ei regres-sionanalyysin mukaan ole tilastollisesti merkitt\u00e4v\u00e4. T\u00e4m\u00e4 on ristiriidassa aikaisempien tutkimusten kanssa.", "language": "fi", "element": "description", "qualifier": "abstract", "schema": "dc"}, {"key": "dc.description.abstract", "value": "The Internet of Things (IoT) and data generated by its devices enable the development of diverse applications and services. Detailed data enables real-time tracking and analysis, allowing service providers to provide instant feedback to the service user. This real-time and data-detailing solution also provides solutions for insurance companies, as they would be able to assess the individual customer's risk level, pricing policies, and monitor insured items from customer\u2019s data. The problem is people's reluctance to hand over detailed and personalized IoT-data for such purposes. The purpose of this thesis is to find out the willingness of insurance companies' clients to disclose Internet of Things data to insurance companies, as well as to identify the reasons that contribute to or prevent the disclosure of data.\nThe theoretical framework of the thesis was built based on the findings found on the literature review. In the framework, willingness to disclose IoT-data was determined by four different factors: the willingness to disclose IoT-data, financial rewards, service-enhancing rewards, and privacy risks.\nIn the empirical research part of the thesis, a structured online survey for Finns of all ages was conducted in February-March 2019. A total of 126 responses were accepted for analysis. Relationships between the variables, were analyzed by a linear regression analysis implemented with the SPSS-software, which compared the relationship between financial rewards, service-enhancing rewards and privacy risks to the willingness to disclose IoT-data to insurance companies.\nThe results of the empirical research section support the theoretical framework, as the model explains 60,3 percent of insurance companies\u2019 'customers' willingness to disclose Internet of Things data to insurance companies. The results of the study indicate that service-enhancing rewards have a significant positive impact on the willingness to disclose IoT-data to insurance companies. Privacy risks have a significant negative impact. According to the linear regression model, the financial rewards variable is not statistically significant. This is in contradiction with previous studies.", "language": "en", "element": "description", "qualifier": "abstract", "schema": "dc"}, {"key": "dc.description.provenance", "value": "Submitted by Paivi Vuorio (paelvuor@jyu.fi) on 2019-05-02T06:19:19Z\nNo. of bitstreams: 0", "language": "en", "element": "description", "qualifier": "provenance", "schema": "dc"}, {"key": "dc.description.provenance", "value": "Made available in DSpace on 2019-05-02T06:19:19Z (GMT). No. of bitstreams: 0\n Previous issue date: 2019", "language": "en", "element": "description", "qualifier": "provenance", "schema": "dc"}, {"key": "dc.format.extent", "value": "59", "language": "", "element": "format", "qualifier": "extent", "schema": "dc"}, {"key": "dc.format.mimetype", "value": "application/pdf", "language": null, "element": "format", "qualifier": "mimetype", "schema": "dc"}, {"key": "dc.language.iso", "value": "fin", "language": null, "element": "language", "qualifier": "iso", "schema": "dc"}, {"key": "dc.rights", "value": "In Copyright", "language": "en", "element": "rights", "qualifier": null, "schema": "dc"}, {"key": "dc.subject.other", "value": "IoT", "language": "", "element": "subject", "qualifier": "other", "schema": "dc"}, {"key": "dc.subject.other", "value": "lineaarinen regressio", "language": "", "element": "subject", "qualifier": "other", "schema": "dc"}, {"key": "dc.title", "value": "Vakuutusyhti\u00f6iden asiakkaiden halukkuus luovuttaa esineiden internetin dataa vakuutusyhti\u00f6ille", "language": "", "element": "title", "qualifier": null, "schema": "dc"}, {"key": "dc.type", "value": "master thesis", "language": null, "element": "type", "qualifier": null, "schema": "dc"}, {"key": "dc.identifier.urn", "value": "URN:NBN:fi:jyu-201905022361", "language": "", "element": "identifier", "qualifier": "urn", "schema": "dc"}, {"key": "dc.type.ontasot", "value": "Pro gradu -tutkielma", "language": "fi", "element": "type", "qualifier": "ontasot", "schema": "dc"}, {"key": "dc.type.ontasot", "value": "Master\u2019s thesis", "language": "en", "element": "type", "qualifier": "ontasot", "schema": "dc"}, {"key": "dc.contributor.faculty", "value": "Informaatioteknologian tiedekunta", "language": "fi", "element": "contributor", "qualifier": "faculty", "schema": "dc"}, {"key": "dc.contributor.faculty", "value": "Faculty of Information Technology", "language": "en", "element": "contributor", "qualifier": "faculty", "schema": "dc"}, {"key": "dc.contributor.department", "value": "Informaatioteknologia", "language": "fi", "element": "contributor", "qualifier": "department", "schema": "dc"}, {"key": "dc.contributor.department", "value": "Information Technology", "language": "en", "element": "contributor", "qualifier": "department", "schema": "dc"}, {"key": "dc.contributor.organization", "value": "Jyv\u00e4skyl\u00e4n yliopisto", "language": "fi", "element": "contributor", "qualifier": "organization", "schema": "dc"}, {"key": "dc.contributor.organization", "value": "University of Jyv\u00e4skyl\u00e4", "language": "en", "element": "contributor", "qualifier": "organization", "schema": "dc"}, {"key": "dc.subject.discipline", "value": "Tietoj\u00e4rjestelm\u00e4tiede", "language": "fi", "element": "subject", "qualifier": "discipline", "schema": "dc"}, {"key": "dc.subject.discipline", "value": "Information Systems Science", "language": "en", "element": "subject", "qualifier": "discipline", "schema": "dc"}, {"key": "yvv.contractresearch.collaborator", "value": "business", "language": "", "element": "contractresearch", "qualifier": "collaborator", "schema": "yvv"}, {"key": "yvv.contractresearch.funding", "value": "3000", "language": "", "element": "contractresearch", "qualifier": "funding", "schema": "yvv"}, {"key": "yvv.contractresearch.initiative", "value": "student", "language": "", "element": "contractresearch", "qualifier": "initiative", "schema": "yvv"}, {"key": "dc.type.coar", "value": "http://purl.org/coar/resource_type/c_bdcc", "language": null, "element": "type", "qualifier": "coar", "schema": "dc"}, {"key": "dc.rights.accesslevel", "value": "openAccess", "language": null, "element": "rights", "qualifier": "accesslevel", "schema": "dc"}, {"key": "dc.type.publication", "value": "masterThesis", "language": null, "element": "type", "qualifier": "publication", "schema": "dc"}, {"key": "dc.subject.oppiainekoodi", "value": "601", "language": "", "element": "subject", "qualifier": "oppiainekoodi", "schema": "dc"}, {"key": "dc.subject.yso", "value": "arvonluonti", "language": null, "element": "subject", "qualifier": "yso", "schema": "dc"}, {"key": "dc.subject.yso", "value": "vakuutusyhti\u00f6t", "language": null, "element": "subject", "qualifier": "yso", "schema": "dc"}, {"key": "dc.subject.yso", "value": "data", "language": null, "element": "subject", "qualifier": "yso", "schema": "dc"}, {"key": "dc.subject.yso", "value": "esineiden internet", "language": null, "element": "subject", "qualifier": "yso", "schema": "dc"}, {"key": "dc.format.content", "value": "fulltext", "language": null, "element": "format", "qualifier": "content", "schema": "dc"}, {"key": "dc.rights.url", "value": "https://rightsstatements.org/page/InC/1.0/", "language": null, "element": "rights", "qualifier": "url", "schema": "dc"}, {"key": "dc.type.okm", "value": "G2", "language": null, "element": "type", "qualifier": "okm", "schema": "dc"}]
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