用户接受金融科技服务:马来西亚保险和保险业的横截面研究
Md Sharif Hassan1,2, Md Aminul Islam1,3, Mohd Faizal Yusof4
1Faculty of Business & Communication, Universiti Malaysia Perlis, Malaysia.
Heliyon
|November 13, 2023
概括
在马来西亚的保险行业中,客户采用金融科技服务受到易用性,信息,服务和系统质量以及感知风险的影响. 行为意图驱动实际使用,突出了金融科技接受的关键因素.
科学领域:
- 金融技术 (金融科技) 的发展
- 保险行业 保险行业 保险行业 保险行业
- 技术采用 技术采用
背景情况:
- 金融科技正在改变全球保险行业,提供新的可能性.
- 马来西亚客户对于保险交易仍然依赖传统道 (代理商,经纪人).
- 保险行业的增长取决于采用技术服务以提高效率.
研究的目的:
- 确定影响马来西亚客户接受保险金融科技服务的决定因素.
- 提出一个新的研究框架,结合UTAUT2和Delone和McLeanIS成功模型.
主要方法:
- 使用新的研究框架进行实证研究.
- 通过谷歌表格收集了马来西亚350名保险和takaful客户的数据.
- 部分最小平方结构方程建模 (PLS-SEM) 分析使用智能PLS 3.2.9.9.
主要成果:
- 努力预期,信息质量,服务质量,系统质量和感知风险显著影响使用金融科技服务的行为意图 (BI).
- 行为意图对实际使用金融科技服务产生积极影响.
- 业绩预期和社会影响没有显著影响BI.
结论:
- 在马来西亚保险中采用金融科技的关键因素包括感知到的易用性,信息,服务和系统质量以及风险感知.
- 行为意图是实际使用金融科技服务的关键媒介.
- 调查结果为利益相关者提供了洞察力,以加强保险部门的金融科技采用策略.
相关概念视频
Issues And Trends In Healthcare Delivery System
5.6K
The issues and trends in healthcare delivery are constantly changing. The COVID-19 pandemic is one recent issue that wreaked havoc on healthcare systems, causing a shortage of healthcare workers, high demand for medicines and supplies, and increased medical expenditure due to a lack of insurance. Other issues include rising healthcare costs and care fragmentation.
Cost Containment
Payment for healthcare services has historically promoted adoption of costly and often unnecessary or inefficient...
Cost Containment
Payment for healthcare services has historically promoted adoption of costly and often unnecessary or inefficient...
5.6K
Health Information Technology and Healthcare Information System
847
Health Information Technology (HIT)
Health Information Technology, commonly called HIT, integrates advanced information systems and technology in healthcare settings. Its primary functions include:
Health Information Technology, commonly called HIT, integrates advanced information systems and technology in healthcare settings. Its primary functions include:
847
Current Trends in Nursing II
1.2K
Trends in nursing are multifactorial and associated with changes in society, within the nursing profession, and in other professions. Notably, telehealth and remote nursing contribute to successful healthcare delivery for numerous patients and help reduce stress for nurses due to nursing shortages. Nurses can reach patients, monitor their conditions, and interact with them using computers, audio, visual accessories, and telephones—for example, remote patient monitoring systems. Likewise,...
1.2K
Introduction To Health Care Delivery System
2.8K
The healthcare system is constantly changing and complex. Various services are available from different healthcare providers, but gaining access to these services has become challenging for people with limited healthcare insurance. Uninsured people present a challenge to healthcare because they frequently postpone or forego treatment.
The Institute of Medicine (IOM) advocates for a patient-centered, effective, safe, timely, equitable, and effective healthcare system. The National Priorities...
The Institute of Medicine (IOM) advocates for a patient-centered, effective, safe, timely, equitable, and effective healthcare system. The National Priorities...
2.8K
MALDI-TOF Mass Spectrometry
4.8K
Mass spectrometry is a powerful characterization technique that can identify and separate a wide variety of compounds ranging from chemical to biological entities, based on their mass-to-charge ratio (m/z). The instruments that allow this detection, known as mass spectrometers, have three components: an ion source, a mass analyzer, and a detector. These spectrometers differ based on the nature of their ion source and analyzers.
Matrix-assisted laser desorption ionization (MALDI) is a commonly...
Matrix-assisted laser desorption ionization (MALDI) is a commonly...
4.8K


