Article Per Year (5 Year)
p-Index From 2021 - 2026
5.283
P-Index
This Author published in this journals
All Journal Majalah Ilmiah MOMENTUM Jurnal Rekayasa Mesin Jurnal Komunikasi IJEBD (International Journal Of Entrepreneurship And Business Development) Journal of Humanities and Social Studies Journal of Science Innovare Transparansi Jurnal Ilmiah Ilmu Administrasi Jurnal Muara Ilmu Sosial, Humaniora, dan Seni Jurnal Muara Ilmu Ekonomi dan Bisnis Jurnal Manajemen Bisnis dan Kewirausahaan Jurnal Asiimetrik: Jurnal Ilmiah Rekayasa Dan Inovasi Jurnal Visual Journal of Applied Data Sciences Jurnal Ilmiah Teknik Mesin Poros Mechanical Engineering for Society and Industry Automotive Experiences Journal of Social Research Makara Journal of Technology Ranah Research : Journal of Multidisciplinary Research and Development Journal of Sustainable Development and Regulatory Issues International Journal of Application on Economics and Business Advance Sustainable Science, Engineering and Technology (ASSET) Jurnal Serina Abdimas
Agustinus Purna Irawan
Unknown Affiliation
Aerospace Engineering Arts Humanities Automotive Engineering Chemical Engineering, Chemistry & Bioengineering Chemistry Civil Engineering, Building, Construction & Architecture Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Energy Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Materials Science & Nanotechnology Mechanical Engineering Medicine & Pharmacology Public Health Social Sciences Transportation Other

Published : 48 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 1 Documents
Search
Journal : Journal of Applied Data Sciences

 1 
Factors Influencing the Intention to Use Insurance Technology (Insurtech) Among Generation Z Using the Extended D-M Model Umran, M. Fankar; Maupa, Haris; Irawan, Agustinus Purna; Sadat, Andi Muhammad
Journal of Applied Data Sciences Vol 6, No 2: MAY 2025
Publisher : Bright Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47738/jads.v6i2.726

Abstract

This study investigates the factors influencing Generation Z’s intention to use Insurtech in Indonesia using an extended DeLone and McLean model. The research introduces two additional variables: perceived trust and regulatory expectancy. Data were collected via an online survey of 431 Generation Z respondents aged 17 and above, residing in ten major Indonesian cities: Jakarta, Bandung, Semarang, Yogyakarta, Surabaya, Denpasar, Palembang, Medan, Balikpapan, and Makassar, all with a basic understanding of Insurtech. The questionnaire included demographic questions and research variables measured on a five-point Likert scale. Data were analyzed using Structural Equation Modeling (SEM) through Smart PLS 4. Descriptive analysis revealed that most respondents were aged 25-28 years, predominantly female, residing in Jakarta, employed in private sectors, with monthly expenditures below USD 300, and holding a bachelor’s degree. The analysis indicated that respondents viewed Insurtech positively, noting its organized information, flexible services, knowledgeable providers, honest services, and legal protection of personal data. Additionally, respondents expressed a strong interest in using Insurtech soon. The measurement model evaluation confirmed the validity and reliability of all indicators based on convergent validity, discriminant validity, and reliability tests. The structural model analysis showed that the independent variables explained 57% of the variance in intention to use Insurtech and 69% in perceived trust. Hypothesis testing revealed that information quality, system quality, service quality, and regulatory expectancy positively influenced both intentions to use Insurtech and perceived trust. However, contrary to expectations, perceived trust did not significantly affect the intention to use Insurtech. This finding suggests that for Generation Z, trust may be considered a baseline expectation, with factors like system and service quality playing a more direct role in their adoption decisions. Additionally, no significant mediation effects were found. The model demonstrated strong predictive relevance and good fit, confirmed by Q², NFI, and SRMR values.
Co-Authors Agus Halim, Agus Agustina Kahumako Ahmad Athoillah Aldias Bahatmaka Alrasyid, Mochamad Dzaki Alvin Soesilo Anggarina, Paula Tjatoerwidya Aripin, Muhammad Bustanul Belda, Madeline Cionita, Tezara Clementinus Benny Agung Pambayu Danardono Agus Sumarsono Danendra, Albertus Raditya Debataraja, Semangat Marudut Tua Devotyasto, Mario Dimyati, Saeful Dwinita Laksmidewi, Dwinita Eddy Supriyatna Marizar Edi Purwanto Eko Reinaldo Eryuniyanti, Eryuniyanti Esanov Azamat Esirgapovich Etanto Heiliano Wijayanto Fitriyana, Deni Fajar Frans Jusuf Daywin Fransisca I. R. Dewi Fransisca Iriani Roesmala Dewi Guteres, Natalino Fonseca Da Silva Handoko, Lukas Haris Maupa Hasan Tjahaya I Wayan Sukania Ichsan, Christopher Adryan Imran, Al Ichlas Ismail, Nur Hidayah Jamiluddin, Jamiluddin Jauhary, Minerva Cessilia Nafileita Junaedi, Thomas Junianto, Pilifus Kalatharan, Sujentheran Nair Kistiawan, Tony Kriswanto Kriswanto, Kriswanto Latumahina, Fanya Felicia Nadin Lim, Andriew Lin, Linda Lin-Chin Lithrone Laricha Salomon M. Agung Wibowo, M. Manalu, Janviter Meirobie, Isyak Mohd Ruzaimi Mat Rejab Mubangaol, Boris Karlop Muhammad Khafidh Mutiara, Maitri Widya Napoleon, Emanoelle Noviyanto Noviyanto, Noviyanto Panie, William Dae Pranoto, Wati A. Prasetyo, Ares Yudi Puspitasari, Windy Desti Putera, Finny Pratama Putri, Dhita Widya Rahim Awang, Abd Rifky Ismail Rochimat, Dedy Rozanna Dewi Rudy Rudy Sadat, Andi Muhammad Samoedro, Erlang Samsudin Anis Santoso, Aloysius Budi Sari, Endah Murtiana Setyanto, Yugih Silva, Mateus De Sousa Da Sinta Paramita Siregar, Januar Parlaungan Sitinjak, Manuntun Suhartanto, Eko Supriyatna-Mz, Eddy Sutikno Sutikno Tezara Cionita Tolukun, Bright Levin Tresna P. Soemardi Umran, M. Fankar Utama, Didi Widya Wang, Yan-Ting Waruwu, Aazokhi Waworuntu, Jason Widjajalaksmi Kusumaningsih, Widjajalaksmi Wiradisuria, Irisha Kirana Wisnu Prayogo Yang, Ghung-Hsin Yotenka, Rahmadi Yuris Setyoadi