Cognitive, affective, and normative factors affecting digital insurance adoption among persons with disabilities: A two-stage SEM-ANN analysis

IF 5.5 2区 经济学 Q1 BUSINESS, FINANCE Global Finance Journal Pub Date : 2024-10-15 DOI:10.1016/j.gfj.2024.101048
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Abstract

This study evaluates the determinants of digital insurance adoption among persons with disabilities (PWDs) using the cognitive, affective, and normative (CAN) model. The study considers (i) cognitive factors such as perceived credibility, perceived knowledge, perceived usefulness, perceived complexity, and facilitating conditions; (ii) affective factors including technology anxiety and technology pleasure; and (iii) normative factors encompassing social influence. Moreover, it explores the relationship between perceived complexity and behavioral intention (BI) to adopt digital insurance among PWDs, as mediated by perceived knowledge. This study employs a two-stage hybrid structural equation modeling–artificial neural network (SEM-ANN) approach to test the hypothesis, and data from 323 physically challenged participants were collected. Empirical results show that all factors, except for perceived complexity and technological anxiety, significantly predict BI adoption of digital insurance among PWDs, whereas perceived usefulness was found to have the highest impact on BI. Although perceived complexity affects perceived knowledge, it does not significantly mediate the relationship between complexity and BI. This study expands on the CAN model and provides practical insights for PWDs in adopting digital insurance.
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影响残疾人采用数字保险的认知、情感和规范因素:两阶段 SEM-ANN 分析
本研究采用认知、情感和规范(CAN)模型评估了残疾人(PWDs)采用数字保险的决定因素。研究考虑了(i)认知因素,如感知可信度、感知知识、感知有用性、感知复杂性和便利条件;(ii)情感因素,包括技术焦虑和技术乐趣;以及(iii)规范因素,包括社会影响。此外,本研究还探讨了感知复杂性与残疾人采用数字保险的行为意向(BI)之间的关系,以及感知知识的中介作用。本研究采用了两阶段混合结构方程建模-人工神经网络(SEM-ANN)方法来验证假设,并收集了 323 名身体残疾参与者的数据。实证结果表明,除感知复杂性和技术焦虑外,所有因素都能显著预测残疾人对数字保险的商业智能采用情况,而感知有用性对商业智能的影响最大。虽然感知复杂性会影响感知知识,但它对复杂性与 BI 之间的关系并没有明显的中介作用。本研究对 CAN 模型进行了扩展,为残疾人采用数字保险提供了实用见解。
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来源期刊
Global Finance Journal
Global Finance Journal BUSINESS, FINANCE-
CiteScore
7.30
自引率
13.50%
发文量
106
审稿时长
53 days
期刊介绍: Global Finance Journal provides a forum for the exchange of ideas and techniques among academicians and practitioners and, thereby, advances applied research in global financial management. Global Finance Journal publishes original, creative, scholarly research that integrates theory and practice and addresses a readership in both business and academia. Articles reflecting pragmatic research are sought in areas such as financial management, investment, banking and financial services, accounting, and taxation. Global Finance Journal welcomes contributions from scholars in both the business and academic community and encourages collaborative research from this broad base worldwide.
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