<![CDATA[Digital transformation in the insurance industry has increased the strategic importance of organizational data, making Digital Data Management Capability (DDMC) essential for improving operational efficiency. However, many insurance service organizations continue to face challenges related to fragmented data systems, inconsistent data quality, limited accessibility, and inadequate data integration. This study examines the effect of DDMC on operational efficiency by focusing on five dimensions: data quality, data accessibility, data integration, data governance, and data security. A quantitative cross-sectional survey was conducted among employees of insurance service organizations, and the data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM). The findings indicate that DDMC has a positive and significant effect on operational efficiency. Among its dimensions, data quality, data integration, and data governance are the strongest contributors to improving operational performance, accelerating service processes, enhancing decision-making accuracy, and optimizing service delivery. In addition, blockchain technology supports data security, transparency, and integrity within insurance ecosystems. This study extends the application of Dynamic Capability Theory in the insurance sector and provides practical insights for organizations seeking to improve operational efficiency through effective digital data management.]]>
Copyrights © 2026
