@prefix ocrer: <http://purl.org/net/OCRe/research.owl#> .
@prefix owl:   <http://www.w3.org/2002/07/owl#> .
@prefix scires: <http://vivoweb.org/ontology/scientific-research#> .
@prefix xsd:   <http://www.w3.org/2001/XMLSchema#> .
@prefix skos:  <http://www.w3.org/2004/02/skos/core#> .
@prefix rdfs:  <http://www.w3.org/2000/01/rdf-schema#> .
@prefix ocresd: <http://purl.org/net/OCRe/study_design.owl#> .
@prefix swo:   <http://www.ebi.ac.uk/efo/swo/> .
@prefix cito:  <http://purl.org/spar/cito/> .
@prefix geo:   <http://aims.fao.org/aos/geopolitical.owl#> .
@prefix ocresst: <http://purl.org/net/OCRe/statistics.owl#> .
@prefix dcterms: <http://purl.org/dc/terms/> .
@prefix vivo:  <http://vivoweb.org/ontology/core#> .
@prefix event: <http://purl.org/NET/c4dm/event.owl#> .
@prefix vann:  <http://purl.org/vocab/vann/> .
@prefix foaf:  <http://xmlns.com/foaf/0.1/> .
@prefix c4o:   <http://purl.org/spar/c4o/> .
@prefix fabio: <http://purl.org/spar/fabio/> .
@prefix vcard: <http://www.w3.org/2006/vcard/ns#> .
@prefix thkoeln: <http://cris.nrw/hisinone#> .
@prefix vitro: <http://vitro.mannlib.cornell.edu/ns/vitro/0.7#> .
@prefix vitro-public: <http://vitro.mannlib.cornell.edu/ns/vitro/public#> .
@prefix rdf:   <http://www.w3.org/1999/02/22-rdf-syntax-ns#> .
@prefix ocresp: <http://purl.org/net/OCRe/study_protocol.owl#> .
@prefix bibo:  <http://purl.org/ontology/bibo/> .
@prefix obo:   <http://purl.obolibrary.org/obo/> .
@prefix ro:    <http://purl.obolibrary.org/obo/ro.owl#> .

obo:BFO_0000031  a  owl:Class ;
        rdfs:label  "Bedingter Kontinuant"@de-DE , "Generically Dependent Continuant"@en-US , "Generically Dependent Continuant"@en .

<https://fis.th-koeln.de/vivo/individual/FF_001>
        <http://cris.nrw/hisinone/istForschungsfeldvon>
                <https://fis.th-koeln.de/vivo/individual/publ_13169> .

<https://fis.th-koeln.de/vivo/individual/cite_13169-2>
        a       thkoeln:Zitat , owl:Thing .

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        a           <http://cris.nrw/hisinone/Zugangsrecht> , owl:NamedIndividual , owl:Thing ;
        rdfs:label  "Open Access"@en-US , "Open Access"@de-DE .

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        a       thkoeln:Zitat , owl:Thing .

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        a           owl:NamedIndividual , <http://cris.nrw/hisinone/ArtderRessource> , owl:Thing ;
        rdfs:label  "Text"@de-DE , "Text"@en-US .

bibo:Document  a    owl:Class ;
        rdfs:label  "Dokument"@de-DE , "Document"@en-US , "Document"@en .

owl:Thing  a    owl:Class .

thkoeln:Journalartikel
        a           owl:Class ;
        rdfs:label  "Journal Article"@en-US , "Journalartikel"@de-DE .

<https://fis.th-koeln.de/vivo/individual/publ_13169>
        a                         obo:BFO_0000001 , obo:BFO_0000031 , obo:IAO_0000030 , thkoeln:Publikation , bibo:Document , thkoeln:Journalartikel , owl:Thing , thkoeln:Artikel , foaf:Document , obo:BFO_0000002 ;
        rdfs:label                "InsurTech in the United States and Germany—What are the drivers behind the different business models?" , "RDF description of InsurTech in the United States and Germany—What are the drivers behind the different business models? - https://fis.th-koeln.de/vivo/individual/publ_13169" ;
        thkoeln:dokumententyp     "Wissenschaftlicher Artikel" ;
        thkoeln:sprache           "englisch" ;
        thkoeln:status            "validiert" ;
        <http://cris.nrw/hisinone/hatForschungsfeld>
                <https://fis.th-koeln.de/vivo/individual/FF_001> ;
        <http://cris.nrw/hisinone/hatOrganisationseinheit>
                <https://fis.th-koeln.de/vivo/individual/10000131> ;
        <http://cris.nrw/hisinone/hatRessourceart>
                <http://cris.nrw/hisinone/RessourceText> ;
        <http://cris.nrw/hisinone/hatZitat>
                <https://fis.th-koeln.de/vivo/individual/cite_13169-1> , <https://fis.th-koeln.de/vivo/individual/cite_13169-0> , <https://fis.th-koeln.de/vivo/individual/cite_13169-2> ;
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                <http://cris.nrw/hisinone/OpenAccess> ;
        <http://purl.org/dc/elements/1.1/date>
                "2026-04-04T04:44:00"^^xsd:dateTime ;
        <http://purl.org/dc/elements/1.1/publisher>
                <https://fis.th-koeln.de/vivo> ;
        <http://purl.org/dc/elements/1.1/rights>
                <https://fis.th-koeln.de/vivo/termsOfUse> ;
        bibo:abstract             "Comparing the InsurTech ecosystems of the United States and Germany (Europe), there are significant regional differences in the choice of business models. While many InsurTechs in the United States have opted for the business model of a fully licensed insurer, this business model is much less common in Europe. In Europe, many InsurTechs seem to shy away from applying for a license as an insurer and limit themselves to the business model of a broker or a managing general agent. This paper analyzes the factors that influence an InsurTech's choice of business model when deciding whether or not to apply for an insurance license. It examines the impact of different local market environments on these decisions, as well as the role that access to venture capital plays in business model decisions and how regulators and their actions influence the decision-making process." ;
        bibo:doi                  "10.1111/rmir.12254" ;
        bibo:issue                "4" ;
        bibo:pageEnd              "511" ;
        bibo:pageStart            "485" ;
        bibo:volume               "26" ;
        vitro:mostSpecificType    thkoeln:Journalartikel ;
        vivo:dateTimeValue        <http://cris.nrw/date2024> ;
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        a             obo:BFO_0000001 , obo:BFO_0000020 , vivo:Authorship , vivo:Relationship , obo:BFO_0000002 , owl:Thing ;
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        a           thkoeln:Organisationseinheit , foaf:Agent , obo:BFO_0000001 , obo:BFO_0000004 , obo:BFO_0000002 , foaf:Organization , owl:Thing ;
        rdfs:label  "Institut für Versicherungswesen" ;
        <http://cris.nrw/hisinone/istOrganisationseinheitVon>
                <https://fis.th-koeln.de/vivo/individual/publ_13169> .

<https://fis.th-koeln.de/vivo/individual/journal_1609>
        a                         obo:IAO_0000030 , obo:BFO_0000001 , owl:Thing , bibo:Periodical , obo:BFO_0000031 , obo:BFO_0000002 , bibo:Collection , bibo:Journal , thkoeln:Zeitschrift ;
        rdfs:label                "Risk management and insurance review" ;
        vivo:publicationVenueFor  <https://fis.th-koeln.de/vivo/individual/publ_13169> .

thkoeln:Publikation  a  owl:Class ;
        rdfs:label  "Publikationen"@de-DE , "Publications"@en-US .

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        a       obo:BFO_0000003 , obo:BFO_0000008 , obo:BFO_0000001 , vivo:DateTimeValue , obo:BFO_0000148 , owl:Thing .