The expansion of online distribution platforms illustrates how non-life insurance companies are shifting to digital and customized personal line products. This research extends previous investigations on transformations customization trends in the European Baltic markets. Expert-based evidence predominant as-is features existing evaluation a practical spread 3 capabilities Mass Customization co...

Banks and other financial service providers are confronted with increased claims of their customers. They expect products and services tailored to their personal needs. At the same time, banks and insurance companies face an enormous pressure to increase the efficiency of their operations. An approach to combine the satisfaction of individual customer needs with the realization of economies of ...

Customizing web services according to users’ individual functional and non-functional requirements has become increasingly difficult as the number of users increases. This paper introduces a new way to customize and verify composite web services by incorporating a software product-line engineering approach into web-service composition. The approach uses a partitioning similar to that between do...

We conduct a field study with a US health insurance firm to examine how product customization affects firm’s cost to serve the customers through its call center. In our setting, the product is a complex health insurance plan. Firm incurs substantial cost in serving the customers through its call center, and adjudicating the claims using its information systems. Firm sells either standard plans,...

Cloud computing is defined as a model for enabling ubiquitous, convenient, ondemand network access to a shared pool of configurable computing resources [15]. This has created significant improvements in terms of software development. Software as a Service (SaaS) is a core objective of cloud computing, aiming to provide utility-oriented software delivery and provisioning. Increasing amounts of s...

We conduct a field study on a prominent US health insurance firm to examine how customizing a product affects firm’s cost to serve the customers through its call center. In our setting, the product is a complex health insurance policy. Firm incurs substantial cost in serving the customers through its call center, and adjudicating the claims using its information systems. Firm sells either stand...

Decentralized systems are systems-of-systems whose services are governed by two or more separate organizations under distinct spheres of authority. Coordinated evolution among the various elements of a decentralized system may be difficult, if not impossible, as individual organizations evolve their service offerings in response to organizationand service-specific pressures, including market de...

To direct automated Web service composition, it is compelling to provide a template, workflow or scaffolding that dictates the ways in which services can be composed. In this paper we present an approach to Web service composition that builds on work using AI planning, and more specifically Hierarchical Task Networks (HTNs), for Web service composition. A significant advantage of our approach i...

This paper proposes a new ATM multicast scheme within the framework of an Active Multicast Service Architecture (AMSA) that supports user customization of multicast service. The customization is achieved by injecting and invoking user specific programs to shared network resources such as routers and switches. The multicast scheme also allows dynamic joining and (or) leaving of members of differ...

This paper analyzes the relationship between service innovation and different types of enterprise software systems, i.e. standardized enterprise software designed to fit one certain business sector and enterprise software specifically customized for a single firm. Using firm-level data of a survey among ICT service providers and knowledge-intensive service providers in Germany, this is the firs...