For years, e-commerce has generated competitive advantage for many industries especially in insurance industry where people could apply for any sort of insurance, very easily. In fact, insurance industry has become one of the most important sectors in the world. E-commerce, on the other hand, has absorbed various people in insurance industry to develop economic growth. However, applying e-commerce for insurance firms may encounter serious obstacles and it is important to know them properly and setup appropriate actions to remove them. In this paper, we present a multi-criteria decision making (MCDM) technique based on DEMATEL with an adaptation of fuzzy logic to find important factors impacting implementation of e-commerce for life insurance industry. The proposed study of this paper designs a questionnaire and distributes it among some insurance experts and then we analyze them using fuzzy DEMATEL technique. Findings indicate that “lack of designing death table based on the existing statistics of population death in Iran”, “lack of variety in protections of life insurance in proportionate to society individual’s requirements by means of low level income of society individuals” and “lack of extensive advertisements for developing the culture of life insurance in country” are the most important factors influencing insurance industry for enhancing e-business.

During the past two decades, e-commerce has revolutionized many industries by providing easy access infrastructures for interested users who wish to place their orders via internet facilities. Insurance industry is one of the most important financial industries in the world. E-commerce has been attracting many in insurance industry and insurance industry has utilized e-commerce because of its own significance in economic growth and health of society. However, enhancing e-commerce into insurance firms may face serious barriers and it is important to detect and setup appropriate actions to remove them. In this paper, we present a multi-criteria decision making (MCDM) technique based on DEMATEL with an adaptation of fuzzy logic to find important factors influencing implementation of e-commerce into insurance industry. The proposed study of this paper designs a questionnaire and distributes it among five important insurance experts. Findings indicate that “behavioral-cultural barriers” influence on structural and field barriers. “Problems resulted from obeying government complicated rules” in the group of structural barriers, “low capacity of accepting e-insurance” in field barriers group and “lack of sufficient support of insurance chief managers from e-insurance and relative tendency of insurance staffs to make the insurance affairs electronic” in behavioral-cultural barriers group have the most influence on other factors of group.