{"id":169,"date":"2015-05-21T09:01:41","date_gmt":"2015-05-21T07:01:41","guid":{"rendered":"http:\/\/people.unil.ch\/joelwagner\/?page_id=169"},"modified":"2026-04-02T16:22:26","modified_gmt":"2026-04-02T14:22:26","slug":"publications","status":"publish","type":"page","link":"https:\/\/people.unil.ch\/joelwagner\/publications\/","title":{"rendered":"Publications"},"content":{"rendered":"\n

Refereed Journal Publications (peer review)<\/strong><\/h3>\n\n\n\n
    \n
  1. Who wants to pay more taxes for better long-term care services? Evidence from OECD surveys, in: Health Economics Review<\/em>, forthcoming (with S. Botteron and C. Courbage)<\/li>\n\n\n\n
  2. Insurance in the Digital Age: On the Drivers of Smart Home Insurance, in: Zeitschrift f\u00fcr die gesamte Versicherungswissenschaft<\/em>, forthcoming (with R. Iten and A. Zeier R\u00f6schmann)<\/li>\n\n\n\n
  3. Development of Multimorbidity Patterns in Older Adults in Switzerland: A Competing Risks Modeling Approach, in: Insurance: Mathematics and Economics<\/em>, 125:103155, 2025 (with L. Aburto, C. Bagnoud, J. Marti, A. Nicolet) [DOI: 10.1016\/j.insmatheco.2025.103155<\/a>]<\/li>\n\n\n\n
  4. Heterogeneity in Policy Preferences for Energy Renovation: Evidence from a Mixed-Effects Ordinal Model, in: Energy Policy<\/em>, 210:115033, 2026 (with A. Beringhs and G. Wanzenried) [DOI: 10.1016\/j.enpol.2025.115033<\/a>]<\/li>\n\n\n\n
  5. On IoT-enabled Risk Prevention and Insurance: A Systematic Literature Review, in: Risk Management and Insurance Review<\/em>, 28(4):643\u2013694, 2025 (with I. Cimbru and A. Zeier R\u00f6schmann) [DOI: 10.1111\/rmir.70025<\/a>]<\/li>\n\n\n\n
  6. Who Responds to Estate Recovery? Survey Evidence from Switzerland on Long-Term Care Insurance and Informal Care Decisions, in: Risks<\/em>, 13(11):216, 2025 (with L. Aburto and C. Courbage) [DOI: 10.3390\/risks13110216<\/a>]<\/li>\n\n\n\n
  7. Exploring Swiss homeowners’ renovation decisions: a latent class analysis approach to inform policy, in: Energy & Buildings<\/em>, 349:116494, 2025 (with A. Beringhs and G. Wanzenried) [DOI: 10.1016\/j.enbuild.2025.116494<\/a>]<\/li>\n\n\n\n
  8. The Role of Insurers in Flood Risk Management Revisited from a Sustainability Perspective, in: Risk Management and Insurance Review<\/em>, 28(2):270\u2013323, 2025 (with L. Stricker and A. Zeier R\u00f6schmann) [DOI: 10.1111\/rmir.70011<\/a>]<\/li>\n\n\n\n
  9. Shedding Light on Swiss Health Insurance Costs in the Last Year of Life, in: Annals of Actuarial Science<\/em>, 19(2):372\u2013393, 2025 (with A. Ugarte) [DOI: 10.1017\/S1748499525000077<\/a>]<\/li>\n\n\n\n
  10. Evolution of institutional long-term care costs based on health factors, in: Insurance: Mathematics and Economics<\/em>, 120:107\u2013130, 2025 (with A. Shemendyuk) [DOI: 10.1016\/j.insmatheco.2024.11.007<\/a>]<\/li>\n\n\n\n
  11. Do Expectations of Risk Prevention Play a Role in the Adoption of Smart Home Technology? Findings from a Swiss Survey, in: Safety<\/em>, 11(1):3, 2025 (with R. Iten and A. Zeier R\u00f6schmann) [DOI: 10.3390\/safety11010003<\/a>]<\/li>\n\n\n\n
  12. On Housing-Related Financial Fears of Baby Boomer Women Living Alone in Switzerland, in: Social Sciences<\/em>, 14(7):427, 2025 (with A. Beringhs, Y. Huggenberger, G. Wanzenried) [DOI: 10.3390\/socsci14070427<\/a>]<\/li>\n\n\n\n
  13. On the Role of Equity and Pension Savings in the Financing of Homeownership in Switzerland, in: Journal of European Real Estate Research<\/em>, 18(2):287-311, 2025 (with Y. Huggenberger, A. Shemendyuk, G. Wanzenried) [DOI: 10.1108\/JERER-06-2024-0045<\/a>]<\/li>\n\n\n\n
  14. On the Factors Determining the Health Profiles and Care Needs of Institutionalized Elders, in: Insurance: Mathematics and Economics<\/em>, 114:223\u2013241, 2024 (with A. Shemendyuk) [DOI: 10.1016\/j.insmatheco.2023.12.003<\/a>]<\/li>\n\n\n\n
  15. On the Strategies and Efficiency of Care and Support Systems for Elderly Across Cantons in Switzerland, in: Social Sciences<\/em>, 13(10):560, 2024 (with Y. Huggenberger and G. Wanzenried) [DOI: 10.3390\/socsci13100560<\/a>}<\/li>\n\n\n\n
  16. On the Motivations for Purchasing Long-Term Care Insurance: Protecting Bequest and Unreliability of Family Care, in: Risks<\/em>, 12(124), 2024 (with S. Botteron and C. Courbage) [DOI: 10.3390\/risks12080124<\/a>]<\/li>\n\n\n\n
  17. Bankers are afraid of technology now: Explaining perceived vulnerability to technological change among the higher-educated, in: Political Research Exchange<\/em>, 6(1):2389910, 2024 (with C. Knotz, M. Lavanchy, A. Ugarte) [DOI: 10.1080\/2474736X.2024.2389910<\/a>]<\/li>\n\n\n\n
  18. Preferences for innovations in healthcare delivery models in the Swiss elderly population: a latent class, choice modelling study, in: European Journal of Public Health<\/em>, 34(2), 260-266, 2024 (with N. Krucien, J. Marti, A. Nicolet, C. Perraudin, I. Peytremann-Bridevaux) [DOI: 10.1093\/eurpub\/ckae004<\/a>]<\/li>\n\n\n\n
  19. On the Adoption of Smart Home Technology in Switzerland: Results from a Survey Study Focusing on Prevention and Active Healthy Aging Aspects, in: Smart Cities<\/em>, 7(1), 370-413, 2024 (with R. Iten and A. Zeier R\u00f6schmann) [DOI: 10.3390\/smartcities7010015<\/a>]<\/li>\n\n\n\n
  20. The Impact of Technological Progress on the Future of Work: Insights from a Survey on Alternative Employment Contracts in OECD countries, in: Journal of the Knowledge Economy<\/em>, 15:16345\u201316372, 2024 (with T. Deruelle and A. Ugarte) [DOI: 10.1007\/s13132-024-01733-2<\/a>]<\/li>\n\n\n\n
  21. On potential information asymmetries in long-term care insurance: a simulation study using data from Switzerland, in: Insurance: Mathematics and Economics<\/em>, 111:230\u2013241, 2023 (with A. Ugarte) [DOI: 10.1016\/j.insmatheco.2023.04.003<\/a>]<\/li>\n\n\n\n
  22. A Systematic Literature Review on Sustainability Issues along the Value Chain in Insurance Companies and Pension Funds, in: European Actuarial Journal<\/em>, 13(2):653\u2013701, 2023 (with L. Aburto Barrera) [DOI: 10.1007\/s13385-023-00349-1<\/a>]<\/li>\n\n\n\n
  23. The future of insurance intermediation in the age of the digital platform economy, in: Journal of Risk and Financial Management<\/em>, 16(9):381, 2023 (with L. Stricker and A. Zeier R\u00f6schmann) [DOI: 10.3390\/jrfm16090381<\/a>]<\/li>\n\n\n\n
  24. Preferences of older adults for healthcare models designed to improve care coordination: Evidence from Western Switzerland, in: Health Policy, 132<\/em>:104819, 2023 (with N. Krucien, J. Marti, A. Nicolet, C. Perraudin, I. Peytremann-Bridevaux) [DOI: 10.1016\/j.healthpol.2023.104819<\/a>]<\/li>\n\n\n\n
  25. Designing Privacy in Personalized Health: An Empirical Analysis, in: Big Data & Society<\/em>, 10(1):1-9, 2023 (with T. Deruelle, V. Kalouguina, Ph. Trein) [DOI: 10.1177\/20539517231158636<\/a>]<\/li>\n\n\n\n
  26. On the determinants and the role of the payers in the uptake of genetic testing and data sharing in personalized health, in: Frontiers in Public Health – Health Economics<\/em>, 11:920286, 2023 (with V. Kalouguina) [DOI: 10.3389\/fpubh.2023.920286<\/a>]<\/li>\n\n\n\n
  27. Modelling the Burden of Long-Term Care for Institutionalised Elderly Based on Care Duration and Intensity, in: Annals of Actuarial Science<\/em>, 17(1):83\u2013117, 2023 (with M. Bladt, M. Fuino, A. Shemendyuk) [DOI: 10.1017\/S1748499522000136<\/a>]<\/li>\n\n\n\n
  28. The determinants of the mobility patterns of the elderly in Switzerland, in: Journal of Housing and the Built Environment<\/em>, 38:2151\u20132184, 2023 (with Y. Huggenberger and G. Wanzenried) [DOI: 10.1007\/s10901-022-10009-7<\/a>]<\/li>\n\n\n\n
  29. Is there a \u201cpandemic effect\u201d on individuals\u2019 willingness to take genetic tests?, in: European Journal of Human Genetics<\/em>, 2023 (with T. Deruelle, V. Kalouguina, Ph. Trein) [DOI: 10.1038\/s41431-022-01223-6<\/a>] <\/li>\n\n\n\n
  30. On the Drivers of Potential Customers’ Interest in Long-term Care Insurance: Evidence from Switzerland, in: Risk Management and Insurance Review,<\/em> 25(3):271\u2013302, 2022 (with M. Fuino and A. Ugarte) [DOI: 10.1111\/rmir.12218<\/a>]<\/li>\n\n\n\n
  31. Factors Driving Duration to Cross-selling in Non-life Insurance: New Empirical Evidence from Switzerland, in: Risks<\/em>, 10(187), 2022 (with Y. Staudt) [DOI: 10.3390\/risks10100187<\/a>]<\/li>\n\n\n\n
  32. Green Insurance: A Roadmap for Executive Management, in: Journal of Risk and Financial Management<\/em>, 15(5):221, 2022 (with C. Pugnetti, L. Stricker, A. Zeier R\u00f6schmann) [DOI: 10.3390\/jrfm15050221<\/a>]<\/li>\n\n\n\n
  33. On children\u2019s motives to influence parents\u2019 long-term care insurance purchase \u2013 Evidence from Switzerland, in: The Geneva Papers on Risk and Insurance – Issues and Practice<\/em>, 48, 102\u2013129, 2023 (with C. Courbage and G. Montoliu-Montes) [DOI: 10.1057\/s41288-022-00273-7<\/a>]<\/li>\n\n\n\n
  34. Valuation of long-term care options embedded in life annuities, in: Annals of Actuarial Science<\/em>, 16(1):68\u201394, 2022 (with A. Chen, M. Fuino and T. Sehner) [DOI: 10.1017\/S1748499521000063<\/a>]<\/li>\n\n\n\n
  35. On the (Future) Role of On-Demand Insurance: Market Landscape, Business Model and Customer Perception, in: The Geneva Papers on Risk and Insurance – Issues and Practice<\/em>, 47:603\u2013642, 2022 (with M. Erny and A. Zeier R\u00f6schmann) [DOI: 10.1057\/s41288-022-00265-7<\/a>]<\/li>\n\n\n\n
  36. How does regulating doctors’ admissions affect health expenditures? Evidence from Switzerland, in: BMC Health Services Research<\/em>, 22:495, 2022 (with M. Fuino and Ph. Trein) [DOI: 10.1186\/s12913-022-07735-7<\/a>]<\/li>\n\n\n\n
  37. Continuity of care of Swiss residents aged 50+: a longitudinal study using claims data, in: Integrated Healthcare Journal<\/em>, 4:e000105, 2022 (with C. Bagnoud, J. Marti, A. Nicolet, C. Perraudin, I. Peytremann-Bridevaux) [DOI: 10.1136\/ihj-2021-000105<\/a>]<\/li>\n\n\n\n
  38. Association between continuity of care (COC), healthcare use and costs: what can we learn from claims data? A rapid review, in: BMC Health Services Research<\/em>, 22:658, 2022 (with M. Al-Gobari, J. Marti, A. Nicolet, I. Peytremann-Bridevaux, C. Perraudin) [DOI: 10.1186\/s12913-022-07953-z<\/a>]<\/li>\n\n\n\n
  39. Exploring patient multimorbidity and complexity using health insurance claims data: a cluster analysis approach, in: JMIR Medical Informatics<\/em>, 10(4):e34274, 2022 (with D. Assouline, C. Bagnoud, M.-A. Le Pogam, J. Marti, A. Nicolet, C. Perraudin, I. Peytremann-Bridevaux) [DOI:10.2196\/34274<\/a>]<\/li>\n\n\n\n
  40. Continuity of care and multimorbidity in the 50+ Swiss population: an analysis of claims data, in: SSM – Population Health<\/em>, 17:101063, 2022 (with C. Bagnoud, J. Marti, A. Nicolet, C. Perraudin, I. Peytremann-Bridevaux) [DOI:<\/a>10.1016\/j.ssmph.2022.101063<\/a>]<\/li>\n\n\n\n
  41. Patient and public preferences for coordinated care in Switzerland: development of a discrete choice experiment, in: The Patient – Patient-Centered Outcomes Research<\/em>, 15(4):485\u2013496, 2022 (with I. Gilles, N. Krucien, J. Marti, A. Nicolet, C. Perraudin, I. Peytremann-Bridevaux) [DOI: 10.1007\/s40271-021-00568-2<\/a>]<\/li>\n\n\n\n
  42. Public Opinion on Health Care and Public Health, in: Preventive Medicine Reports<\/em>, 23:101460, 2021 (with M. Fuino and Ph. Trein) [DOI: 10.1016\/j.pmedr.2021.101460<\/a>]<\/li>\n\n\n\n
  43. On the Identification, Evaluation and Treatment of Risks in Smart Homes: A Systematic Literature Review, in: Risks<\/em>, 9(6), 2021 (with R. Iten and A. Zeier R\u00f6schmann) [DOI: 10.3390\/risks9060113]<\/a><\/li>\n\n\n\n
  44. Governing Personalized Health: A Scoping Review, in: Frontiers in Genetics<\/em>, 12:650504, 2021 (with Ph. Trein) [DOI: 10.3389\/fgene.2021.650504<\/a>]<\/li>\n\n\n\n
  45. Assessing the Performance of Random Forests for Modeling Claim Severity in Collision Car Insurance, in: Risks<\/em>, 9:53, 2021 (with Y. Staudt) [DOI: 10.3390\/risks9030053<\/a>] <\/li>\n\n\n\n
  46. On the Characteristics of Reporting ADL Limitations and Formal LTC Usage across Europe, in: European Actuarial Journal<\/em>, 10(2):557\u2013597, 2020 (with M. Fuino and I. Rudnytskyi) [DOI: 10.1007\/s13385-020-00242-1<\/a>]<\/li>\n\n\n\n
  47. Customer Preferences in German Life Insurance Savings Products: A Conjoint Analysis Approach, in: Journal of Insurance Issues<\/em>, 43(1):97\u2013133, 2020 (with M. Fuino and L. Maichel-Guggemoos)  [JSTOR: 26931212<\/a>]<\/li>\n\n\n\n
  48. The effect of long-term care public benefits and insurance on informal care from outside the household: Empirical evidence from Italy and Spain, in: The European Journal of Health Economics<\/em>, 21:1131\u20131147, 2020 (with C. Courbage and G. Montoliu-Montes) [DOI: 10.1007\/s10198-020-01215-7<\/a>]<\/li>\n\n\n\n
  49. Challenges and Solutions for Integrating and Financing Personalized Medicine in Healthcare Systems: a Systematic Literature Review, in: Journal of Risk and Financial Management<\/em>, 13(11):283, 2020 (with V. Kalouguina) [DOI: <\/a>10.3390<\/a>\/<\/a>jrfm13110283<\/a>]<\/li>\n\n\n\n
  50. How Do Health, Care Services Consumption and Lifestyle Factors Affect the Choice of Health Insurance Plans in Switzerland?, in: Risks<\/em>, 8:41, 2020 (with V. Kalouguina) [DOI: 10.3390\/risks8020041<\/a>]<\/li>\n\n\n\n
  51. Duration of Long-Term Care: Socio-Economic Factors, Type of Care Interactions and Evolution, in: Insurance: Mathematics and Economics<\/em>, 90:151-168, 2020 (with M. Fuino) [DOI: 10.1016\/j.insmatheco.2019.11.004<\/a>]<\/li>\n\n\n\n
  52. On market share drivers in the Swiss mandatory health insurance sector, in: Risks<\/em>, 7(4):114, 2019 (with H. Albrecher, M. Bladt, D. Daily-Amir) [DOI: 10.3390\/risks7040114<\/a>]<\/li>\n\n\n\n
  53. Drivers of Old-Age Dependence and Long-Term Care Usage in Switzerland: a Structural Equation Model Approach, in: Risks<\/em>, 7(3):92, 2019 (with I. Rudnytskyi) [DOI: 10.3390\/risks7030092<\/a>]<\/li>\n\n\n\n
  54. Long-term care insurance research and trajectory, in: The Geneva Papers on Risk and Insurance – Issues and Practice<\/em>, 44:179-182, 2019 (with J. Costa-Font and C. Courbage) [DOI: 10.1057\/s41288-019-00122-0<\/a>]<\/li>\n\n\n\n
  55. Old-Age Care Prevalence in Switzerland: Drivers and Future Development, in: European Actuarial Journal<\/em>, 8(2):321-362, 2018 (with M. Fuino) [DOI: 10.1007\/s13385-018-0185-3<\/a>, Springer Nature SharedIt<\/a>]<\/li>\n\n\n\n
  56. Long-Term Care Models and Dependence Probability Tables by Acuity Level: New Empirical Evidence from Switzerland, in: Insurance: Mathematics and Economics<\/em>, 81:51-70, 2018 (with M. Fuino) DOI: 10.1016\/j.insmatheco.2018.05.002<\/a>]<\/li>\n\n\n\n
  57. Policy Characteristics and Stakeholder Returns in Participating Life Insurance: Which Contracts Can Lead to a Win-Win?, in: European Actuarial Journal<\/em>, 8(2):291-320, 2018 (with C. Mirza) [DOI: 10.1007\/s13385-018-0179-1<\/a>, SpringerNature SharedIt<\/a>]<\/li>\n\n\n\n
  58. Asset-Liability Management for Long-Term Insurance Business, in: European Actuarial Journal<\/em>, 8(1):9-25, 2018 (with H. Albrecher, D. Bauer, P. Embrechts, D. Filipovi\u0107, P. Koch, R. Korn, S. Loisel, A. Pelsser, F. Schiller, H. Schmeiser) [DOI: 10.1057\/s41288-017-0053-4<\/a>]<\/li>\n\n\n\n
  59. Forecasting the next likely purchase events of insurance customers: A case study on the value of data-rich multichannel environments, in: International Journal of Bank Marketing<\/em>, 36(6):1125-1144, 2018 (with S. Mau and I. Pletikosa Cvijikj) [DOI: 10.1108\/IJBM-11-2016-0180<\/a>]<\/li>\n\n\n\n
  60. What Customer, Policy and Distribution Characteristics Drive the Development of Insurance Customer Relationships? \u2013 A Case Study Analysis, in: International Journal of Bank Marketing<\/em>, 36(6):1098-1124, 2018 (with Y. Staudt) [DOI: 10.1108\/IJBM-11-2016-0175<\/a>]<\/li>\n\n\n\n
  61. Profitability and Growth in Motor Insurance Business \u2013 Empirical Evidence from Germany, in: The Geneva Papers on Risk and Insurance – Issues and Practice<\/em>, 43(1):126-157, 2018 (with L. Maichel-Guggemoos) [DOI: 10.1057\/s41288-017-0053-4<\/a>, Springer Nature SharedIt<\/a>]<\/li>\n\n\n\n
  62. Insurance Claims Fraud: Optimal Auditing Strategies in Insurance Companies, in: Variance<\/em>, 10(2):204-226, 2018 (with K. M\u00fcller, H. Schmeiser) [Variance\/10-02\/204<\/a>]<\/li>\n\n\n\n
  63. The Impact of Pension Funding Mechanisms on the Stability and the Payoff from DC Pension Schemes in Switzerland, in: The Geneva Papers on Risk and Insurance – Issues and Practice<\/em>, 42(3):423\u2013452, 2017 (with P. M\u00fcller) [DOI: 10.1057\/s41288-017-0048-1<\/a>]<\/li>\n\n\n\n
  64. Old-Age Provision: Past, Present, Future, in: European Actuarial Journal<\/em>, 6(2):287\u2013306, 2016 (with H. Albrecher, P. Embrechts, D. Filipovi\u0107, G. Harrison, P. Koch, S. Loisel, P. Vanini) [DOI: 10.1007\/s13385-016-0136-9<\/a>, Springer Nature SharedIt<\/a>]<\/li>\n\n\n\n
  65. Evolution of Strategic Levers in Insurance Claims Management: An Industry Survey, in: Risk Management and Insurance Review<\/em>, 19(2):197-223, 2016 (with N. Mahlow) [DOI: 10.1111\/rmir.12061<\/a>]<\/li>\n\n\n\n
  66. What Transaction Costs are Acceptable in Life Insurance Products from the Policyholders’ Viewpoint?, in: Journal of Risk Finance<\/em>, 17(3):277-294, 2016 (with H. Schmeiser) [DOI: 10.1108\/JRF-02-2016-0017<\/a>]<\/li>\n\n\n\n
  67. Empiricial Findings on Motor Insurance Pricing in Germany, Austria, and Switzerland, in: The Geneva Papers on Risk and Insurance – Issues and Practice<\/em>, 41(3):398-431, 2016 (with D. Laas, H. Schmeiser) [DOI: 10.1057\/gpp.2015.30<\/a>]<\/li>\n\n\n\n
  68. Process Landscape and Efficiency in Non-Life Insurance Claims Management: An Industry Benchmark, in: Journal of Risk Finance<\/em>, 17(2):218-244, 2016 (with N. Mahlow) [DOI: 10.1108\/JRF-07-2015-0069<\/a>]<\/li>\n\n\n\n
  69. The Impact of Auditing Strategies on Insurers’ Profitability, in: Journal of Risk Finance<\/em>, 17(1):46\u201379, 2016 (with K. M\u00fcller, H. Schmeiser) [DOI: 10.1108\/JRF-05-2015-0045<\/a>]<\/li>\n\n\n\n
  70. A Proposal on How the Regulator Should Set Minimum Interest Rate Guarantees in Participating Life Insurance Contracts, in: The Journal of Risk and Insurance<\/em>, 82(3):659\u2013686, 2015 (with H. Schmeiser) [DOI: 10.1111\/jori.12036<\/a>]<\/li>\n\n\n\n
  71. The Pricing of Hedging Longevity Risk with the Help of Annuity Securitizations: An Application to the German Market, in: Journal of Risk Finance<\/em>, 15(4):385\u2013416, 2014 (with J. Lorson) [DOI: 10.1108\/JRF-02-2014-0016<\/a>]<\/li>\n\n\n\n
  72. Sales Efficiency in Life Insurance: The Drivers for Growth in the German Market, in: The Geneva Papers on Risk and Insurance – Issues and Practice<\/em>, 39(3):493\u2013524, 2014 (with J. Lorson) [DOI: 10.1057\/gpp.2013.35<\/a>]<\/li>\n\n\n\n
  73. Unisex Insurance Pricing: Consumers\u2019 Perception and Market Implications, in: The Geneva Papers on Risk and Insurance \u2013 Issues and Practice<\/em>, 39(2):322-350, 2014 (with H. Schmeiser and T. St\u00f6rmer) [DOI: 10.1057\/gpp.2013.24<\/a>]<\/li>\n\n\n\n
  74. A Note on the Appropriate Choice of Risk Measures in the Solvency Assessment of Insurance Companies, in: Journal of Risk Finance, 15(2):110\u2013130, 2014 [DOI: 10.1108\/JRF-11-2013-0082<\/a>]<\/li>\n\n\n\n
  75. Proposal for a Capital Market-Based Guaranty Scheme for the Financial Industry, in: The European Journal of Finance, 20(12):1133\u20131160, 2014 (with H. Schmeiser and A. Zemp) [DOI: 10.1080\/1351847X.2012.745007<\/a>]<\/li>\n\n\n\n
  76. New Solvency Regulation: What CEOs of Insurance Companies Think, in: The Geneva Papers on Risk and Insurance \u2013 Issues and Practice, 38(2):213\u2013249, 2013 (with M. Kreutzer)  [DOI: 10.1057\/gpp.2013.5<\/a>]<\/li>\n\n\n\n
  77. The Impact of Introducing Insurance Guaranty Schemes on Pricing and Capital Structure, in: The Journal of Risk and Insurance, 80(2):273\u2013308, 2013 (with H. Schmeiser) [DOI: 10.1111\/j.1539-6975.2012.01474.x<\/a>]<\/li>\n\n\n\n
  78. Evaluation of Benefits and Costs of Insurance Regulation \u2013 A Conceptual Model for Solvency II, in: Journal of Insurance Regulation<\/em>, 31:125\u2013156, 2012 (with J. Lorson and H. Schmeiser) [NAIC\/JIR-ZA-31-06<\/a>]<\/li>\n\n\n\n
  79. Under What Conditions is an Insurance Guaranty Fund Beneficial for Policyholders? in: The Journal of Risk and Insurance<\/em>, 79(3):785\u2013815, 2012 (with P. Rymaszewski and H. Schmeiser) [DOI: 10.1111\/j.1539-6975.2011.01444.x<\/a>]<\/li>\n\n\n\n
  80. Comparison of Stakeholder Perspectives on Current Regulatory and Reporting Reforms, in: Risk Management and Insurance Review<\/em>, 15(2):225\u2013254, 2012 (with A. Zemp) [DOI: 10.1111\/j.1540-6296.2012.01218.x<\/a>]<\/li>\n\n\n\n
  81. The Risk of Model Misspecification and its Impact on Solvency Measurement in the Insurance Sector, in: Journal of Risk Finance<\/em>, 13(4):285\u2013308, 2012 (with H. Schmeiser and C. Siegel) [DOI: 10.1108\/15265941211254435<\/a>]<\/li>\n\n\n\n
  82. A Joint Valuation of Premium Payment and Surrender Options in Participating Life Insurance Contracts, in: Insurance: Mathematics and Economics<\/em>, 49(3):580\u2013596, 2011 (with H. Schmeiser) [DOI: 10.1016\/j.insmatheco.2011.08.004<\/a>]<\/li>\n\n\n\n
  83. Finite element method with patches for Poisson problems in polygonal domain, in: ESAIM Refereed Proceedings<\/em>, 21:45\u201364, 2007 (with A. Lozinski and J. Rappaz) [DOI: 10.1051\/proc:072105<\/a>]<\/li>\n\n\n\n
  84. Multiscale algorithm with patches of finite elements, in: Mathematics and Computers in Simulation<\/em>, 76(1-3):181\u2013187, 2007 (with A. Lozinski, M. Picasso, J. Rappaz and V. Rezzonico) [DOI: 10.1016\/j.matcom.2007.02.003<\/a>]<\/li>\n\n\n\n
  85. On a class of implicit solutions of the continuity and Euler\u2019s equations for 1D systems with long range interactions, II, in: Physica D \u2013 Nonlinear Phenomena<\/em>, 226(2):173\u2013180, 2007 (with Ph. Choquard) [DOI: 10.1016\/j.physd.2006.12.003<\/a>]<\/li>\n\n\n\n
  86. Finite element approximation of multi-scale elliptic problems using patches of elements, in: Numerische Mathematik<\/em>, 101(4):663\u2013687, 2005 (with R. Glowinski, J. He, A. Lozinski and J. Rappaz) [DOI: 10.1007\/s00211-005-0614-5<\/a>]<\/li>\n\n\n\n
  87. On a class of implicit solutions of the continuity and Euler\u2019s equations for 1D systems with long range interactions, in: Physica D \u2013 Nonlinear Phenomena<\/em>, 201(3-4):230\u2013248, 2005 (with Ph. Choquard) [DOI: 10.1016\/j.physd.2004.12.003<\/a>]<\/li>\n\n\n\n
  88. A multi-domain method for solving numerically multi-scale elliptic problems, in: Comptes Rendus Math\u00e9matique. Acad. Sci. Paris, Ser. I<\/em>, 338(9):741\u2013746, 2004 (with R. Glowinski, J. He and J. Rappaz) [DOI: 10.1016\/j.crma.2004.02.014<\/a>]<\/li>\n\n\n\n
  89. On the \u201cMean Field\u201d Interpretation of Burgers\u2019 equation, in: Journal of Statistical Physics<\/em>, 116(1-4):843\u2013 853, 2004 (with Ph. Choquard) [DOI: 10.1023\/B:JOSS.0000037211.80229.04<\/a>]<\/li>\n\n\n\n
  90. Approximation of multi-scale elliptic problems using patches of finite elements, in: Comptes Rendus Math\u00e9matique. Acad. Sci. Paris, Ser. I<\/em>, 337(10):679\u2013684, 2003 (with R. Glowinski, J. He and J. Rappaz) [DOI: 10.1016\/j.crma.2003.09.029<\/a>]<\/li>\n\n\n\n
  91. The homogeneous Hamilton-Jacobi and Bernoulli equations revisited, II, in: Foundations of Physics<\/em>, 32(8):1225\u20131249, 2002 (with Ph. Choquard) [DOI: 10.1016\/j.crma.2003.09.029<\/a>]<\/li>\n<\/ol>\n\n\n\n
    \n\n\n\n

    Selected Further Publications in Risk Management and Insurance<\/strong><\/h3>\n\n\n\n
      \n
    1. Actuarial Science series: Calibrating the cost of care, in: HEC Outreach, University of Lausanne, 16 September 2025 [English: link<\/a>, French: link<\/a>]<\/li>\n\n\n\n
    2. Les femmes baby-boomers vivant seules face \u00e0 leurs dilemmes de logement : situations de logement, projets, choix et besoins, Office F\u00e9d\u00e9ral du Logement OFL, Berne (with M. G. Bedin, A. Beringhs, M. Droz Mendelzweig, Y. Huggenberger, G. Wanzenried) [OFL<\/a>]<\/li>\n\n\n\n
    3. Smart Homes: An Academic Review of The Risk Implications, in: Insurance Edge, 21 June 2023 [Insurance Edge<\/a>]<\/li>\n\n\n\n
    4. Smart Home: Ein Ansatz f\u00fcr aktives und gesundes Altern? — Eine Studie zu Potenzial und Erwartungen, ZHAW\/Swica\/terzStiftung\/HEC Lausanne, Winterthur, March 2023 (with M. Erny, R. Iten, A. Zeier R\u00f6schmann) {DOI: 10.21256\/zhaw-2441<\/a>]<\/li>\n\n\n\n
    5. How much of a risk are we taking with smart homes?, in: HECimpact, University of Lausanne, 18 August 2022 [English: link<\/a>, French: link<\/a>]<\/li>\n\n\n\n
    6. Risikowandel durch Smart Home, in: ZHAW School of Management and Law, Competence, 2021:22-23 (with M. Erny, R. Iten and A. Zeier R\u00f6schmann) [ZHAW Competence 202<\/a>1<\/a>]<\/li>\n\n\n\n
    7. Nouvelles formes de travail: Quelles perspectives pour la s\u00e9curit\u00e9 sociale, in: Bulletin de l’Association Suisse des Actuaires, 2020:22\u201323 (with G. Bonoli) [actuaries.ch<\/a>]<\/li>\n\n\n\n
    8. The (Lacking) User Adoption of COVID-19 Contact Tracing Apps \u2013 Insights from Switzerland and Germany, in: Proceedings of the 15th Pre-ICIS Workshop on Information Security and Privacy, India, 12 December 2020 (with M. Bonner, D. Naous, C. Legner) [WISP2020<\/a>]<\/li>\n\n\n\n
    9. Balancing growth, profitability and safety in the German insurance market, in: Zeitschrift f\u00fcr die gesamte Versicherungswissenschaft, Sonderheft zur Jahrestagung 2019, 108:421\u2013442 (with L. Maichel-Guggemoos) [DOI: 10.1007\/s12297-019-00439-8<\/a>, Springer Nature SharedIt<\/a>]<\/li>\n\n\n\n
    10. Special Issue on Long-Term Care Financing and Insurance, The Geneva Papers on Risk and Insurance – Issues and Practice, Costa-Font J., Courbage C., Wagner J. (eds.), 2019, 44(2) [GPP\/44-2<\/a>]<\/li>\n\n\n\n
    11. How Do the Consideration of Non-Normal Return Distributions and of Higher Moments Influence the Optimal Asset Allocation in Swiss Pension Funds?, in: Zeitschrift f\u00fcr die gesamte Versicherungswissenschaft, Sonderheft zur Jahrestagung 2018, 107(5):547-561 (with P. M\u00fcller) [DOI: 10.1007\/s12297-018-0410-9<\/a>, Springer Nature SharedIt<\/a>]<\/li>\n\n\n\n
    12. Long-Term Care Models and Dependence Probability Tables: New Empirical Evidence from Switzerland, in: I.VW Management-Information, 3:24-28, 2017 (with M. Fuino)<\/li>\n\n\n\n
    13. The impact of guaranteed interest rates on long term investments in insurance products, in: HECimpact, University of Lausanne, 4 September 2017 [English: link<\/a>, French: link<\/a>]<\/li>\n\n\n\n
    14. En Suisse, les soins et la d\u00e9pendance repr\u00e9sentent un risque syst\u00e9mique, in: Le Temps, 28 June 2016 (with M. Rockinger)<\/li>\n\n\n\n
    15. From Research to Purchase: An Empirical Analysis of Research-Shopping Behaviour in the Insurance Sector, in: Zeitschrift f\u00fcr die gesamte Versicherungswissenschaft, Sonderheft zur Jahrestagung 2015, 104(5):573\u2013593, 2015 (with S. Mau, I. Pletikosa Cvijikj) [DOI: 10.1007\/s12297-015-0310-1<\/a>]<\/li>\n\n\n\n
    16. Trends im Schadenmanagement 2015: Digitalisierung, Betrugsbek\u00e4mpfung, Dienstleistermanagement, HEC Lausanne\/Innovalue, Lausanne\/Hamburg, October 2015 (with N. Mahlow, S. Maier, P. M\u00fcller, J. Schmidt)<\/li>\n\n\n\n
    17. Precifica\u00e7\u00e3o de seguros sem considera\u00e7\u00e3o do sexo do segurado: Poss\u00ecveis implica\u00e7\u00f5es no mercado, in: Cadernos de seguro, 184:21\u201325, July 2015 (with T. St\u00f6rmer and H. Schmeiser)<\/li>\n\n\n\n
    18. Entwicklungen im Schadenmanagement: Strategische Themenfelder und Prozessmodell-Benchmark, in: I.VW Management-Information, 3:29\u201332, 2014 (with N. Mahlow)<\/li>\n\n\n\n
    19. Possible Market Implications of Unisex Insurance Pricing, in: Asia Insurance Review, September 2014 (with T. St\u00f6rmer and H. Schmeiser)<\/li>\n\n\n\n
    20. Possible Market Implications of Unisex Insurance Pricing, in: The Geneva Association, Insurance Economics Newsletter, July:70, 2014 (with T. St\u00f6rmer and H. Schmeiser)<\/li>\n\n\n\n
    21. Pricing: Kampf geht weiter?, in: Schweizer Versicherung, July:54\u201355, 2014 (with D. Laas and H. Schmeiser)<\/li>\n\n\n\n
    22. Steigende Kosten f\u00fcr Garantien, in: AWP Soziale Sicherheit, 40(7):6, 2014<\/li>\n\n\n\n
    23. Pricing-Strategien in der KFZ-Versicherung, I.VW\/Solution Providers, St.Gallen\/Z\u00fcrich, March 2014 (with M. Hartmann, D. Laas, C. N\u00fctzenadel, H. Schmeiser)<\/li>\n\n\n\n
    24. Invalidit\u00e4t in der Schweiz – Einflussfaktoren und zuk\u00fcnftige Entwicklung, I.VW\/PKR\u00fcck, St.Gallen\/ Z\u00fcrich, January 2014 (with C. Curtius, E. Fl\u00fcckiger, A. Heimer, U. Kieser, R. Kn\u00f6pfel, K. M\u00fcller, H. Schmeiser, K. Simon)<\/li>\n\n\n\n
    25. Art. 8 der Lebensversicherungsrichtlinie: Pr\u00fcfungsbericht zum Regelwerk zur Erstellung von Beispielrechnungen zur Wertentwicklung, St.Gallen\/Zurich, November 2013 (jointly with Swiss Insurance Association)<\/li>\n\n\n\n
    26. Hedging Longevity Risk with the Help of Annuity Securitizations: An Application to the German Market, in: I.VW Management-Information, 1:33\u201335, 2013 (with J. Lorson)<\/li>\n\n\n\n
    27. Weniger ist oft mehr: Warum sich mit niedrigerem Zins ein h\u00f6herer Nutzwert erzielen l\u00e4sst, in: Schweizer Versicherung, November:24\u201325, 2012 (with H. Schmeiser)<\/li>\n\n\n\n
    28. Feasible Fraud and Auditing Probabilities for Insurance Companies and Policyholders, in: Zeitschrift f\u00fcr die gesamte Versicherungswissenschaft, Sonderheft zur Jahrestagung 2012, 101(5):705\u2013720, 2012 (with K. M\u00fcller and H. Schmeiser)  [DOI: 10.1007\/s12297-012-0219-x<\/a>]<\/li>\n\n\n\n
    29. Art. 8 der Lebensversicherungsrichtlinie: Pr\u00fcfungsbericht zum Regelwerk zur Erstellung von Beispielrechnungen zur Wertentwicklung, St.Gallen\/Zurich, November 2012 (jointly with Swiss Insurance Association)<\/li>\n\n\n\n
    30. The Influence of Interest Rate Guarantees and Solvency Requirements on the Asset Allocation of Life Insurers, in: I.VW Management-Information, 3:31\u201333, 2012 (with H. Schmeiser)<\/li>\n\n\n\n
    31. Unisex Insurance Pricing: Consumers\u2019 Perception and Market Implications, in: I.VW Management- Information, 3:35\u201338, 2012 (with H. Schmeiser and T. St\u00f6rmer)<\/li>\n\n\n\n
    32. Ungleiches Risiko, gleicher Preis, in: Schweizer Versicherung, M\u00e4rz:8\u201313, 2012 (with H. Schmeiser and T. St\u00f6rmer)<\/li>\n\n\n\n
    33. Neuerungen in Regulierung und Rechnungslegung: Aktuelle Entwicklungen in der Versicherungsindustrie, in: Strategische Unternehmensf\u00fchrung: Auf der Suche nach einer neuen Balance, RoCC Series No. 2, Eds. M. Menz, J. Wagner, Chr. Lechner, St. Gallen, 41\u201343, 2012<\/li>\n\n\n\n
    34. Insurance Guaranty Schemes in a Contingent Claims Setting, in: Zeitschrift f\u00fcr die gesamte Versicherungswissenschaft, Sonderheft zur Jahrestagung 2011, 100(5):719\u2013731, 2011 (with H. Schmeiser) [DOI: 10.1007\/s12297-011-0167-x<\/a>]<\/li>\n\n\n\n
    35. Art. 8 der Lebensversicherungsrichtlinie: Regelwerk zur Erstellung von Beispielrechnungen zur Wertentwicklung, Institute of Insurance Economics \/ Swiss Insurance Association (SVV), St.Gallen\/Zurich, December 2011 (with H. Schmeiser, jointly with SVV)<\/li>\n\n\n\n
    36. Die strategische Steuerung des Versicherungsvertriebs im integrierten Vertriebsmodell, in: I.VW Management- Information, 4:19\u201323, 2011 (with C. Gaus and A. Str\u00f6bel)<\/li>\n\n\n\n
    37. How Insurance Companies and Policyholders Behave Optimally in Case of Insurance Claims Fraud, in: I.VW Management-Information, 4:29\u201333, 2011 (with K. M\u00fcller and H. Schmeiser)<\/li>\n\n\n\n
    38. Antworten mit Fragezeichen – IFRS 4 Phase II, I.VW\/PricewatherhouseCoopers, St. Gallen\/Z\u00fcrich, June 2011 (with P. L\u00fcssi, M. Schaeffer, H. Schmeiser, B. von Boyen and A. Zemp)<\/li>\n\n\n\n
    39. Comparison of Stakeholder Perspectives on Current Regulatory and Reporting Reforms, in: I.VW Management- Information, 2:46\u201349, 2011 (with A. Zemp)<\/li>\n\n\n\n
    40. Model Risk in Solvency Frameworks for Property-Liability Insurers, in: I.VW Management-Information, 1:31\u201334, 2011 (with H. Schmeiser and C. Siegel)<\/li>\n\n\n\n
    41. Insurance Guaranty Fund \u2013 What Good is It? in: Zeitschrift f\u00fcr die gesamte Versicherungswissenschaft, Sonderheft zur Jahrestagung 2010, 99(5):637\u2013648, 2010 (with P. Rymaszewski and H. Schmeiser) [DOI: 10.1007\/s12297-010-0100-8<\/a>]<\/li>\n\n\n\n
    42. Case Management und seine strategische Bedeutung f\u00fcr Versicherer, January 2010 (with The Boston Consulting Group, Swiss Re, Int\u00e9gration pour tous, Swiss Life and SVV)<\/li>\n<\/ol>\n\n\n\n
      \n\n\n\n

      Monographs<\/strong><\/h3>\n\n\n\n