Journal of risk and financial management, Journal Year: 2025, Volume and Issue: 18(4), P. 209 - 209

Published: April 13, 2025

One essential component of insurance technology (Insurtech) is peer-to-peer (P2P) insurance, which represents a transformative shift from conventional to digital platforms by fostering community-based risk sharing. This study contributes the body knowledge engaging Technology Acceptance Model (TAM2) explore how perceived usefulness, ease use, subjective norms, and trust influence adoption P2P moderating income on these relationships. used self-administered survey questionnaire collect data short-term clients in South Africa. The was analysed using confirmatory factor analysis structural equation modelling (SEM) approach. findings demonstrate that norms present significant positive underscoring relevance value, social predicting technologies, particularly insurance. However, exhibit but statistically insignificant relationship. Additionally, this reveals exerts affecting adoption, implying individuals with higher incomes are responsive factors when considering highlights need for policies support development infrastructure, as its accessibility including predicted drivers adoption. Also, policymakers should focus creating regulatory environment encourages accountability openness

Language: Английский