An Empirical Evaluation of the Technology Acceptance Model for Peer-to-Peer Insurance Adoption: Does Income Really Matter?
Journal of risk and financial management,
Год журнала:
2025,
Номер
18(4), С. 209 - 209
Опубликована: Апрель 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
Язык: Английский
Achieving Inclusive Growth in Sub‐Saharan Africa: Exploring the Synergistic Role of Insurance and Institutional Quality
African Development Review,
Год журнала:
2025,
Номер
37(2)
Опубликована: Май 20, 2025
ABSTRACT
The
growing
importance
of
inclusive
growth
has
garnered
considerable
attention
in
contemporary
times.
Its
is
further
underscored
by
Sustainable
Development
Goal
8,
which
advocates
for
and
sustainable
economic
growth,
employment,
decent
work
all.
Achieving
requires
several
key
developments,
including
high
institutional
quality
a
strong
insurance
industry.
This
study
contributes
to
knowledge
examining
the
direct
interactive
effects
on
growth.
Using
generalised
method
moments
based
30
Sub‐Saharan
African
countries
between
2005
2019,
presents
following
findings:
(1)
insurance,
life
nonlife
penetration,
positively
impacts
growth;
(2)
quality,
its
components
positive
influence
(3)
Further,
interaction
stimulates
implies
that
institutions
matter
drive
towards
developing
market,
thereby
fostering
Based
these
findings,
suggests
governments
harness
insurance's
potential
promote
alleviate
poverty.
highlights
urgent
need
reforms
policies
unlock
full
driving
calls
efforts
strengthen
business
environment
development.
Язык: Английский