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<p>The purpose of this paper is to study how the emerging technologies impact risk optimization and, more importantly, examine intervening effects of digital maturity in context of Diffusion of Innovations and Dynamic Capabilities. The study adopts a quantitative research design with stratified random sampling to ensure representation from various insurance sectors in study sample of 550 respondents from developed and developing countries. Structured online questionnaires will be used to collect data, while analysis will utilize SEM in AMOS, as well as CFA to validate constructs and test mediating role of digital maturity in relationship between emerging technologies and risk optimization.</p>

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Digital Transformation in Risk Management: Exploring the Role of Emerging Technologies in the Insurance Industry

  • 期刊论文

  • 发表日期：

    2025年10月3日

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  • R. Veerasankararao,
  • Shaiku Shahida Saheb

摘要

The purpose of this paper is to study how the emerging technologies impact risk optimization and, more importantly, examine intervening effects of digital maturity in context of Diffusion of Innovations and Dynamic Capabilities. The study adopts a quantitative research design with stratified random sampling to ensure representation from various insurance sectors in study sample of 550 respondents from developed and developing countries. Structured online questionnaires will be used to collect data, while analysis will utilize SEM in AMOS, as well as CFA to validate constructs and test mediating role of digital maturity in relationship between emerging technologies and risk optimization.