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Princes, Elfindah
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Agriculture, Biological Sciences & Forestry Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Social Sciences Other

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Journal : Journal of Humanities and Social Studies

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The Influence Of Age And Gender: Unveiling Key Moderators In Insurtech Adoption And Use Behavior Firmansyah, Fatah Panji; Princes, Elfindah
JHSS (JOURNAL OF HUMANITIES AND SOCIAL STUDIES) Vol 1, No 2 (2017): Journal of Humanities and Social Studies
Publisher : UNIVERSITAS PAKUAN

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33751/jhss.v8i3..10801

Abstract

This study aims to analyze the factors influencing the adoption and use of insurtech applications in Indonesia using the Unified Theory of Acceptance and Use of Technology (UTAUT) framework. The key factors examined include Performance Expectancy, Effort Expectancy, Social Influence, and Facilitating Conditions, along with additional variables such as Trust, Convenience, and Regulatory Expectancy. A quantitative method was employed, with data collected through a survey and analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM). The findings indicate that Performance Expectancy, Effort Expectancy, Social Influence, and Trust significantly influence users' behavioral intention to adopt insurtech applications, while Convenience significantly impacts use behavior but not intention. In contrast, Regulatory Expectancy shows no significant influence on either intention or use behavior. Additionally, age moderates the relationships between certain variables, such as Social Influence, Convenience, and Facilitating Conditions, with both intention and use behavior, whereas gender only moderates the relationship between Social Influence and behavioral intention. In conclusion, application performance, ease of use, and trust are critical factors driving insurtech adoption, while convenience is key to sustaining usage.
Co-Authors Abdinagoro, Sri Bramantoro Adler Haymans Manurung Amini, Nuzulia Bambang Setiono Erlis, Erlis Firmansyah, Fatah Panji Idris Gautama So, Idris Gautama Michael Oetama, Raymond Sunardi Pangaribuan, Christian Haposan Rasji, Rasji Romprasert, Suppanunta Setiawan, Johan Silalahi, Wilma Soeryanto, Novianti Yosevine, Prisca