AI-driven digital finance adoption in the insurance industry: a value proposition and digital financial literacy

• Autorzy: Dewi Vera Intanie , Dharwiyanti Sri , Widyarini Maria , Widyastuti Umi , Irawan Yeremias Budi

Identyfikatory

DOI

10.17512/pjms.2025.31.2.03

Warianty tytułu

PL

Wprowadzenie cyfrowych usług finansowych opartych na sztucznej inteligencji w branży ubezpieczeniowej: propozycja wartości i cyfrowa umiejętność korzystania z usług finansowy

• Języki publikacji: EN

Abstrakty

EN

The impact of Digital Financial Literacy (DFL) on the intention to use AI-driven digital finance adoption in the insurance industry was examined in this study, with Customer Value Propositions (CVP) serving as the mediating variable. Surveys were employed to collect data from 338 responses in Indonesia, which were analyzed using partial least squares-based structural equation modeling (PLS-SEM). It was revealed that DFL influences CVP, including Functional, Benefit, Symbolic and Emotional Value, which are involved in the intention to use digital finance. The mediation of the nexus between DFL and the intention to use digital finance was carried out using the four dimensions of CVP. Theoretical and practical insights into the development of digital finance services in a developing country are provided by this study’s findings. Theoretically, the research on drivers of the customer value proposition in financial services is extended. As practical implications, financial institutions are advised to focus on emotional and symbolic values such as brand image, customer experience, and trust. It is also recommended that the government and institutions continue activities that promote digital financial literacy.

PL

W niniejszym badaniu przeanalizowano wpływ cyfrowej wiedzy finansowej (DFL) na zamiar wdrożenia cyfrowych rozwiązań finansowych opartych na sztucznej inteligencji w branży ubezpieczeniowej, przy czym jako zmienną pośredniczącą przyjęto propozycje wartości dla klienta (CVP). Dane zebrano za pomocą ankiet, w których wzięło udział 338 respondentów z Indonezji, a następnie przeanalizowano je przy użyciu modelowania równań strukturalnych opartego na metodzie najmniejszych kwadratów częściowych (PLS-SEM). Wykazano, że DFL wpływa na CVP, w tym na wartość funkcjonalną, korzyści, wartość symboliczną i emocjonalną, które mają wpływ na zamiar korzystania z cyfrowych usług finansowych. Pośrednictwo między DFL a zamiarem korzystania z cyfrowych usług finansowych przeprowadzono przy użyciu czterech wymiarów CVP. Wyniki niniejszego badania dostarczają teoretycznych i praktycznych spostrzeżeń dotyczących rozwoju cyfrowych usług finansowych w kraju rozwijającym się. Teoretycznie rozszerzono badania nad czynnikami wpływającymi na propozycję wartości dla klienta w usługach finansowych. W praktyce zaleca się instytucjom finansowym skupienie się na wartościach emocjonalnych i symbolicznych, takich jak wizerunek marki, doświadczenia klientów i zaufanie. Zaleca się również, aby rząd i instytucje kontynuowały działania promujące cyfrową kulturę finansową.

Słowa kluczowe

EN

digital financial literacy; insurance; artificial intelligence; customer value proposition

PL

cyfrowa kultura finansowa; ubezpieczenia; sztuczna inteligencja; propozycja wartości dla klienta

• Wydawca: Czestochowa University of Technology
• Czasopismo: Polish Journal of Management Studies
• Rocznik: 2025
• Tom: Vol. 31, No. 2
• Strony: 38--55
• Opis fizyczny: Bibliogr. 45 poz., rys., tab.

Twórcy

autor

Dewi Vera Intanie

• Universitas Katolik Parahyangan, Indonesia

• https://orcid.org/0000-0002-6989-6859

autor

Dharwiyanti Sri

• Universitas Katolik Parahyangan, Indonesia

• https://orcid.org/0009-0005-6069-4272

autor

Widyarini Maria

• Universitas Katolik Parahyangan, Indonesia

• https://orcid.org/0000-0002-6803-646X

autor

Widyastuti Umi

• Universitas Negeri Jakarta, Indonesia

• https://orcid.org/0000-0002-5871-3578

autor

Irawan Yeremias Budi

• Universitas Katolik Parahyangan, Indonesia

• https://orcid.org/0009-0002-5110-2667

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Uwagi

Opracowanie rekordu ze środków MNiSW, umowa nr POPUL/SP/0154/2024/02 w ramach programu "Społeczna odpowiedzialność nauki II" - moduł: Popularyzacja nauki (2025).