Projects

Pensions Online? Producer, distributor and user attitudes and behaviour

Aims

The project seeks to investigate whether use of the Internet has transformed the structure, geography and processes of pensions provision in the UK and the potential for further change.
It, thus aims to analyse critically: the threat and implication of disintermediation of the supply chain; the capability of the internet to empower those who use it; the resource implications of channel conflicts; and the outcomes for shifts in responsibility for process enactment.

Methodology

A mixed- method approach will be used incorporating both qualitative and quantitative research methods and making particular use of phenomenological analysis and Critical Incident Tecnique in the anlysis of data. Data will be gathered from all supply chain constituents including pension providers, Independent Finanical Advisors, coporate customers and the individual consumer. The findings of the research will be of interest to government, industry and consumer organisations. The research project will run for 30 months commencing March 2003.

Keywords

Pensions, supply chain, disintermediation, internet, distribution, marketing.

Journal Articles in Print

T Harrison and K Waite, “The Impact of the Internet on the Provision of Financial Services Information: The Case of Pensions”, International Journal of Financial Services Management, Vol. 1, No.1, pp11-25.

T Harrison and K Waite, “Critical Factors Affecting Intermediary Website Adoption: Understanding How to Extend E-participation” Special Issue- Doing Business in a Digital World, Journal of Business and Industrial Marketing, Vol.20, No. 4/5, pp.187-199. ISBN 1-84544-325-X ISSN. 0885-8642.

K Waite and T Harrison “Web Evolution in the Pensions Sector: A Preliminary Investigation”, Journal of Financial Services Marketing, Henry Stewart Publications Vol 10, No. 2, pp. ISSN 1363-0539.

K Waite and T Harrison, "Qualitative Social Research on ICTs: Developments and Applications", British Academy of Management Conference 2004 Methodological Workshop. ISBN:1 902850 81 5 (pdf)

T Harrison and K Waite (2005), “Patterns of Intermediary Website Development within an Extended Supply Chain”, Journal of Business and Industrial Marketing, special issue “Doing Business in a Digital World”

Harrison, T., Waite, K. and Hunter, G L (2006), The Internet, Information and Empowerment, European Journal of Marketing, Special Issue on Consumer Empowerment, Vol.40, Issue 9/10, pages 972-993.

Journal Articles in Press

Tina Harrison and Kathryn Waite “The Internet, Information and Empowerment”, European Journal of Marketing, forthcoming

Harrison , T. & Waite, K. “Influences on Sole Trader Web Development” Journal of Research in Marketing and Entrepreneurship, forthcoming

Tina Harrison and Kathryn Waite “A Time-based Assessment of the Influences, Uses and Benefits of Intermediary Website Adoption”, Information and Management, forthcoming

Business briefings

Business briefing issue 1 (pdf)
Business briefing issue 2 (pdf)
Business briefing issue 3 (pdf)
Business briefing issue 4 (pdf)
Business briefing issue 4 (pdf)

Reports

T. Harrison and K. Waite, Interim Report No.1, IFA Internet Survey: Beliefs, Attitudes and Behaviour, October 2004, ISBN 1 902850 80 7 (pdf)

Conference Presentations

2004 British Academy of Management, “Website Evolution in the Pensions Sector: A Preliminary Study”, Kathryn Waite and Tina Harrison, August, University of St Andrews ,

2004 Academy of Marketing , “Accessing the Information Content of the Information Superhighway: A Preliminary Investigation into Pension Provider Websites”, Kathryn Waite and Tina Harrison, July, University of Gloucestershire

2005 Academy of Marketing “Key Influences Shaping Web Development among Sole Trader Financial Intermediaries” Tina Harrison and Kathryn Waite, Dublin Institute of Technology, Dublin , July

2005 European Academy of Management, “Extended Supply Chain Website Development” Kathryn Waite and Tina Harrison, TUM, Munich , May

2005 Entrepreneurial and Small Business Marketing Symposium, “Influences on Sole Trader Website Development”, Tina Harrison and Kathryn Waite, January, University of Southampton .

2005 4 th Annual Katie School Symposium, Illinois University, Website Development Patterns among UK Financial Intermediaries, Tina Harrison and Kathryn Waite, April, State University of Illinois .

2006 Hunter, G., Harrison, T. & Waite, K. “The Dimensions of Consumer Empowerment”, American Marketing Association, Chicago, Ilinois , USA. (under review)

2006 Harrison, T., Waite, K. & Hunter, G. “The Interent, Information and Empowerment”, 14 th European Conference on Information Systems, Gotenburgh , Sweden. (under review)

2006 Harrison, T., Waite, K. & Hunter, G, “Consumer Beliefs in Online Empowerment for Complex Services”, European Academy of Marketing , Athens , Greece. (under review)

Workshops/Seminars

2004 British Academy of Management, “Methodological Workshop: Qualitative Social Research on ICTs: Developments and Applications”, Kathryn Waite, August, University of St Andrews

2005 IBM London and School of Management , University of Edinburgh , “ Marketing Pensions and Insurance in the Workplace”, Practitioner Seminars, August, Tina Harrison and Kathryn Waite

2004 MIT/SLOAN School of Management, Boston , Mass, “Pensions Online? Producer, Distributor and User Attitudes and Behaviour”, Staff Seminar, August, Tina Harrison and Kathryn Waite

2004 HOFSTRA University , Long Island , NY , “Pensions Online? Producer, Distributor and User Attitudes and Behaviour” Staff Seminar, August, Tina Harrison and Kathryn Waite

2004 Watson Wyatt, London “Survey of IFA Beliefs, Attitudes and Behaviour Towards Using the Internet for Pensions”, September, Tina Harrison and Kathryn Waite,

2003 Institute of Direct Marketing: Communicating with Customers Research Conference, London , “Pensions Online? Producer, Distributor and User Attitudes and Behaviour” October, Kathryn Waite and Tina Harrison,

2003 University of Aston , “Pensions Online? Producer, Distributor and User Attitudes and Behaviour”, E-marketing Workshop, July, Tina Harrison and Kathryn Waite.