Brand Performance Analysis in the Insurance Industry (Explaining the Role of Cognitive and Affective Attitudes Using the S-O-R Framework and Brand Community)
Keywords:
Brand community, cognitive attitude, affective attitude, brand performance, S-O-R.Abstract
This study evaluates brand performance on social media by adopting the Stimulus-Organism-Response (S-O-R) framework to understand brand perception in the insurance industry. Employing an applied research approach, data were collected through a survey, and the analysis was conducted using structural equation modeling based on partial least squares (PLS-SEM). The statistical population consisted of Pasargad Insurance customers in Iran, from which a sample of 298 participants was selected using convenience sampling. The results indicated that brand community interaction significantly influences both cognitive and affective attitudes. Moreover, relationship investment in the community has a positive impact on brand community commitment and affective attitude but does not predict cognitive attitude. Additionally, both cognitive and affective attitudes influence brand loyalty and brand recommendation. The findings underscore the significance of all mediating relationships, except for the relationship between relationship investment in the community and brand performance through cognitive attitude. This study can assist companies in the insurance sector in enhancing their brand performance by engaging customers through managing appropriate stimuli.
Downloads
References
Acar, A., Büyükdağ, N., Türten, B. A. U. D. E., & Çalışır, G. (2024). The role of brand identity, brand lifestyle congruence, and brand satisfaction on repurchase intention: a multi-group structural equation model. Humanities and Social Sciences CommunicationsVL - 11(1), 1-13. https://doi.org/10.1057/s41599-024-03618-w
Ahada, R., Dhahri, I., & Al-Shreifeen, I. A. (2025). Brand equity on consumer purchasing decisions. International Journal of Economic Literature, 3(4), 185-196. http://sociohum.net/index.php/INJOLE/article/view/14
Alfian, R., Nugroho, W. F., & Yuliana, L. (2024). Analysis of Brand Awareness, Brand Loyalty and Brand Reputation on Purchase Decisions. Jurnal Bisnis Dan Manajemen, 11(1), 63-74. https://jurnal.unmer.ac.id/index.php/jbm/article/view/12636
Asthana, S. (2020). A comparative study of marketing strategies of public and private life insurance companies: a synthetic review. Tathapi with ISSN 2320-0693 is an UGC CARE Journal, 19(7SP - 175), 184. https://etheses.whiterose.ac.uk/14457/
Bing, G., Al Mughairi, B., Karim, A. M., & Karim, A. M. (2024). Study on Importance of Brand Loyalty for Customer Retention for Consumer Durable Products: New Era Viewpoint. International Journal of Academic Research in Business and Social Sciences, 14(1), 453-464. https://doi.org/10.6007/IJARBSS/v14-i1/20464
Caruana, A., & Vella, J. (2024). Communal-brand connection and service loyalty: the mediation effect of corporate reputation and customer satisfaction among retail banking customers. International Journal of Bank Marketing, 42(7), 1472-1491. https://doi.org/10.1108/IJBM-01-2024-0012
Cerchione, R. (2025). Design and evaluation of a blockchain‐based system for increasing customer engagement in circular economy. Corporate Social Responsibility and Environmental Management, 32(1), 160-175. https://doi.org/10.1002/csr.2948
Chaher, D., & Lakhal, L. (2025). The impact of TQM on financial and non-financial performance: the mediating role of corporate social responsibility. The TQM Journal, 37(6), 1687-1715. https://doi.org/10.1108/TQM-08-2023-0244
Chernev, A. (2025). Strategic brand management. Cerebellum press. https://www.indeed.com
Chu, H., & Liao, S. (2025). Sustainable Satisfaction: The Role of Consumer Online Resale in Shaping Overall Satisfaction. Journal of Consumer Satisfaction, Dissatisfaction and Complaining Behavior, 38(1), 79-98. https://jcsdcb.com/index.php/JCSDCB/article/view/1099/669
Fahlevi, M., Asdullah, M. A., Raza, F. A., Watto, W. A., Aljuaid, M., & Aziz, A. L. (2024). The influence of information and communication technology on trade in developing countries and partners. Cogent Business & Management, 11(1), 2320814. https://doi.org/10.1080/23311975.2024.2320814
Jashari-Mani, F., Zeqiri, J., Ramadani, V., Aloulou, W. J., & Ayadi, F. (2024). Customer engagement in online brand communities and value co-creation: the Balkan countries perspectives. International Journal of Environment, Workplace and Employment, 8(1), 91-113. https://doi.org/10.1504/IJEWE.2024.138113
Katsantonis, A., & Katsantonis, I. G. (2024). University students' attitudes toward artificial intelligence: An exploratory study of the cognitive, emotional, and behavioural dimensions of AI attitudes. Education Sciences, 14(9), 988. https://doi.org/10.3390/educsci14090988
Kaur, H., Paruthi, M., Islam, J. U., & Hollebeek, L. D. (2020). The role of brand community identification and reward on consumer brand engagement and brand loyalty in virtual brand communities. Telematics and Informatics, 46, 101321. https://doi.org/10.1016/j.tele.2019.101321
Kiran, F., Lodhi, S. A., Shabbir, R., & Zubair, A. (2024). Consumers' journey toward brand loyalty using social media brand community engagement: A case of fashion brands. Journal of Promotion Management, 30(1), 129-156. https://doi.org/10.1080/10496491.2023.2251466
Kosasih, O., Hidayat, K., Hutahayan, B., & Sunarti. (2024). Achieving Sustainable Customer Loyalty in the Petrochemical Industry: The Effect of Service Innovation, Product Quality, and Corporate Image with Customer Satisfaction as a Mediator. Sustainability, 16(16), 7111. https://doi.org/10.3390/su16167111
Kumar, J., & Kumar, V. (2020). Drivers of brand community engagement. Journal of Retailing and Consumer Services, 54, 101949. https://doi.org/10.1016/j.jretconser.2019.101949
Liao, Y., & Wu, L. (2024). The Influence of Brand Greenwashing on EV Purchase Intention: The Moderating Role of Consumer Innovativeness and Peer Brand Attitude. World Electric Vehicle Journal, 15(7SP - 313). https://doi.org/10.3390/wevj15070313
Liao, Y. K., Nguyen, H. L. T., Dao, T. C., Nguyen, P. T. T., & Sophea, H. (2024). The antecedents of customers' attitude and behavioral intention of using e-banking: The moderating roles of social influence and customers' traits. Journal of Financial Services Marketing, 29(3), 1037-1061. https://doi.org/10.1057/s41264-023-00254-4
Liu, K. N., Hu, C., Lin, M. C., Tsai, T. I., & Xiao, Q. (2020). Brand knowledge and non-financial brand performance in the green restaurants: Mediating effect of brand attitude. International Journal of Hospitality ManagementVL - 89. https://doi.org/10.1016/j.ijhm.2020.102566
Lusianti, D., Widodo, W., & Mulyana, M. (2024). Mas' uliyah Society Brand Resonance: Enhancing Sustainable Marketing Performance of the National Health Insurance Program. Qubahan Academic Journal, 4(3), 619-637. https://doi.org/10.48161/qaj.v4n3a976
Nelson, C. A., Wang, X., & Cui, A. P. (2024). More is better but in what direction? The effects of relationship marketing investment breadth and depth on customer gratitude. Industrial Marketing Management, 117, 188-201. https://doi.org/10.1016/j.indmarman.2023.12.022
Nguyen, T. T. H., Pham, T. L., Phan, T. T. H., Than, T. T., & Nguyen, T. Q. A. (2020). Determinants of customer satisfaction and loyalty in Vietnamese life-insurance setting. Uncertain Supply Chain Management, 8(3), 481-494. https://doi.org/10.5267/j.uscm.2020.4.004
Oklevik, O., Nysveen, H., & Pedersen, P. E. (2024). Exploring the relationship between co-creation (DART), brand experience strength, and brand satisfaction: a brand engagement perspective. Journal of Marketing Theory and Practice, 32(1), 1-24. https://doi.org/10.1080/10696679.2022.2120013
Phan Tan, L. (2024). Customer participation, positive electronic word-of-mouth intention and repurchase intention: The mediation effect of online brand community trust. Journal of Marketing Communications, 30(7), 792-809. https://doi.org/10.1080/13527266.2023.2177709
Purwanto, A., & Prayuda, R. Z. (2024). The role of brand image, brand experience, influencer marketing and purchase interest on cunsumer purchasing decisions of handphone. PROFESOR: Professional Education Studies and Operations Research, 1(01), 1-5. http://journal-profesor.org/index.php/profesor/article/view/1
Razia, A. S., Alkababji, M. W., Ruzieh, A. S., Awwad, B. S., & Razia, B. S. P. (2020). Competitive advantage in light of AI to achieve innovative as a key of the SDGS: Palestinian Insurance industry. Journal of Lifestyle and SDGs Review, 4(1), e01870-e01870. https://doi.org/10.47172/2965-730X.SDGsReview.v4.n00.pe01870
Saoula, O., Abid, M. F., Ahmad, M. J., Shamim, A., Patwary, A. K., & Yusr, M. M. (2024). Forging customer satisfaction through commitment-trust factors in financial insurance services: moderating role of corporate image. Journal of Islamic Marketing, 15(2SP - 418), 445. https://doi.org/10.1108/JIMA-08-2021-0257
Saputri, R. Z., Putra, M. F. R., & Yuliana, L. (2024). Analysis of Brand Credibility and Brand Reputation on Brand Performance. Jurnal Ekonomi, 13(01), 2311-2320. https://ejournal.seaninstitute.or.id/index.php/Ekonomi/article/view/4279
Sethi, A. R., Dash, S., Mishra, A., & Cyr, D. (2024). Role of community trust in driving brand loyalty in large online B2B communities. Journal of Business & Industrial Marketing, 39(2), 256-272. https://doi.org/10.1108/JBIM-10-2022-0469
Sun, D., Chen, W., & Dou, X. (2024). Formation mechanism of residents' intention to purchase commercial health insurance: the moderating effect of environmental pollution perception. Journal of Public Health, 32(6), 917-930DO - 910.1007/s10389-10023-01870-z. https://link.springer.com/article/10.1007/s10389-023-01870-z
Szabla, M., & Blommaert, J. (2020). Does context really collapse in social media interaction? Applied Linguistics Review, 11(2), 251-279. https://doi.org/10.1515/applirev-2017-0119
Wang, Z., & Yang, X. (2025). Building brand loyalty through value co-creation practices in brand communities: the role of affective commitment and psychological brand ownership. Journal of Research in Interactive Marketing, 19(2), 201-220. https://www.emerald.com/insight/content/doi/10.1108/jrim-10-2023-0359/full/html
Xue, J., Liang, X., Xie, T., & Wang, H. (2020). See now, act now: How to interact with customers to enhance social commerce engagement? Information & Management, 103324. https://doi.org/10.1016/j.im.2020.103324
Yuwono, T., Suroso, A., & Novandari, W. (2024). Information and communication technology in SMEs: a systematic literature review. Journal of Innovation and Entrepreneurship, 13(1), 31. https://doi.org/10.1186/s13731-024-00392-6
Downloads
Published
Submitted
Revised
Accepted
Issue
Section
License
Copyright (c) 2025 Nooshin Sadat Sedighi (Author); Majid Fattahi (Corresponding author)

This work is licensed under a Creative Commons Attribution-NonCommercial 4.0 International License.