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All Journal Journal of Business and Behavioural Entrepreneurship Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah JRMSI - Jurnal Riset Manajemen Sains Indonesia J-MAS (Jurnal Manajemen dan Sains) International Journal of Environmental, Sustainability, and Social Science Journal of Applied Data Sciences International Journal of Economy, Education and Entrepreneurship (IJE3) International Journal of Education, Social Studies, And Management (IJESSM) Indonesian Journal of Business Analytics (IJBA) AKADEMIK: Jurnal Mahasiswa Ekonomi & Bisnis Journal of Management, Accounting, General Finance and International Economic Issues (MARGINAL) Jurnal Pijar : Studi Manajemen dan Bisnis JPNM : Jurnal Pustaka Nusantara Multidisiplin International Journal of Application on Economics and Business Jurnal Bisnis, Manajemen, dan Keuangan Journal of Business Application
Sadat, Andi Muhammad
Fakultas Ekonomi, Universitas Negeri Jakarta
Religion Humanities Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Social Sciences Other

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Journal : Journal of Applied Data Sciences

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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.
Factors Affecting the Intention to Buy Electric Vehicles Through the Integration of Technology Acceptance Model and Prior Experience Saleh, Hendra Noor; Maupa, Haris; Cokki, Cokki; 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.v6i2.730

Abstract

To enhance the adoption of electric vehicles (EVs), governments have implemented regulatory policies, such as providing incentives. However, this approach is temporary and relies on the active involvement of manufacturers to better understand the driving factors behind EV adoption. While previous studies, largely based on behavioral theory, emphasize psychological and environmental factors, individual subjective factors also play a crucial role. This study introduces a novel approach by integrating variables from the Technology Acceptance Model (TAM)—perceived usefulness and perceived ease of use—with consumer experience variables, namely technology discomfort and customer experience. The goal is to improve TAM's explanatory power regarding the intention to buy EVs from the consumer perspective. The research targeted residents of Jabodetabek (Jakarta, Bogor, Depok, Tangerang, Bekasi) aged 17 and older, all of whom had prior experience with Battery Electric Vehicles (BEVs). Data was collected from 330 respondents through an online survey. Structural Equation Modeling (SEM) with AMOS was used for the analysis. The results indicated that perceived usefulness, perceived ease of use, and customer experience significantly influenced intention to buy, while perceived usefulness did not significantly affect customer experience. Customer experience mediated the relationship between perceived ease of use and intention to buy, but did not mediate the effect of perceived usefulness. Additionally, technology discomfort negatively impacted perceived usefulness and ease of use, although it did not significantly affect customer experience. These findings suggest that while government incentives remain important, a market-driven approach that focuses on improving consumer perceptions and experiences is critical for accelerating EV adoption.
Co-Authors Agustinus Purna Irawan Ahsaina Zulfah, Islamia Alyandro, Bryan Aprili, Adelia Nur ASHSIDIK, Fajar Basrah Saidani Basrah Saidani Berutu, Meta Bara Cokki, Cokki Hafizh, Nirwana Haris Maupa Haryati, Dinda Ika Febrilia Kedaton, Nyi Raden Sekar Krissanya, Nofriska Kusumaningrum, Nadila Mei-Lan Lin Monoarfa, Terrylina Arvinta Muhammad Fawaiq, Muhammad Nandika, Thania Sanique Rivai P, Agung Kresnamurti Safitri, Dewi Nur Indah Saleh, Hendra Noor Sari, Dewi Agustin Pratama Setyo Ferry Wibowo Sholikhah Sholikhah Syamillah, Fidelia Umran, M. Fankar Usep Suhud Zendrato, Bernadus Orudu Richard