The study examined the relationship between information technology and insurance development in 40 sub-Saharan African countries during the period 2000-2017. The study employed System Generalised Method of Moment for the estimations. Life insurance premiums, non-life insurance premiums and total insurance premiums are used to measure life insurance, non-life insurance and total insurance, respectively. The information technology is measured by mobile phone, fixed telephone and Internet penetrations. The study found that the Internet promotes non-life insurance while its effect on life and total insurance is insignificant. The mobile phone produced a negative effect on life insurance, non-life insurance and total insurance. However, fixed telephone significantly contributed to life insurance, non-life insurance and total insurance. Based on these findings, there is a need for insurers to encourage their client to use information technology tools for insurance activities and also increase their interaction with their customers.

该研究调查了 2000 年至 2017 年期间 40 个撒哈拉以南非洲国家的信息技术与保险发展之间的关系。该研究采用系统广义矩法进行估计。寿险保费、非寿险保费和总保费分别用于衡量寿险、非寿险和总保险费。信息技术是通过移动电话、固定电话和互联网普及率来衡量的。研究发现，互联网促进了非寿险，但对寿险和全险的影响微乎其微。手机对人寿保险、非人寿保险和全额保险产生了负面影响。然而，固定电话对人寿保险、非人寿保险和全额保险的贡献很大。