Exploring Digital Insurance Solutions: A Systematic Literature Review and Future Research Agenda

The purpose of this study is to explore the antecedents for the adoption of digital insurance solutions and to present current research trends and future research agendas based on a systematic literature review. The findings revealed key motivators for the adoption of digital insurance solutions, such as trust, perceived usefulness, ease of use, performance and effort expectancy, social influence, subjective norms, self-efficacy, system quality, and attitudes. Meanwhile, the key inhibitors include perceived risk, privacy concerns, complexity, and technology anxiety. The study shows that current research themes primarily focus on the online insurance sector, while lack of attention to emerging technologies. Although the Technology Acceptance Model (TAM) being the most widely applied theory in digital insurance adoption studies, its explanatory power needs to be enhanced by introducing new theories. Moreover, most research samples consist of insurance consumers, with less attention paid to user groups excluded from financial services. Questionnaires and Structural Equation Modeling (SEM) are commonly used methods, but still have limitations when dealing with large samples and complex behavioral changes. This study provides guidance for governments in promoting the implementation of digital insurance solutions, alongside strategic support for insurers to optimise user experience and enhance industry competitiveness.

@article{Wei2025,
  title     = {Exploring Digital Insurance Solutions: A Systematic Literature Review and Future Research Agenda},
  journal   = {International Journal of Advanced Computer Science and Applications},
  volume    = {16},
  number    = {4},
  year      = {2025},
  publisher = {The Science and Information Organization},
  author    = {Anni Wei and Yurita Yakimin Abdul Talib and Zakiyah Sharif},
  doi       = {10.14569/IJACSA.2025.0160470},
  url       = {https://doi.org/10.14569/IJACSA.2025.0160470}
}