Abstract
The aim of the article is to identify the factors explaining the use of online insurance among users of digital financial services, with particular attention to the relationship between this service and the extent of FinTech use, as well as perceived digital capability. The study is based on data from a CAWI survey (N = 840) conducted in Poland in 2025 and applies logistic regression models. The results indicate that online insurance is used by a substantial share of respondents, although less frequently than basic FinTech services such as mobile payments or banking applications. Significant differences are observed by age and education level. Online insurance use is significantly associated with both the extent of FinTech use and perceived digital capability, with a more consistent association observed for the extent of FinTech use. The findings indicate that, in the context of digital transformation, online insurance systems should account for differentiated user profiles and accumulated digital financial experience.
Paper Type
Short Paper
DOI
10.62036/ISD.2026.150
Online Insurance Use among Digitally Active Users: The Role of FinTech Use and Perceived Digital Capability
The aim of the article is to identify the factors explaining the use of online insurance among users of digital financial services, with particular attention to the relationship between this service and the extent of FinTech use, as well as perceived digital capability. The study is based on data from a CAWI survey (N = 840) conducted in Poland in 2025 and applies logistic regression models. The results indicate that online insurance is used by a substantial share of respondents, although less frequently than basic FinTech services such as mobile payments or banking applications. Significant differences are observed by age and education level. Online insurance use is significantly associated with both the extent of FinTech use and perceived digital capability, with a more consistent association observed for the extent of FinTech use. The findings indicate that, in the context of digital transformation, online insurance systems should account for differentiated user profiles and accumulated digital financial experience.
Recommended Citation
Krupa, D.(2026). Online Insurance Use among Digitally Active Users: The Role of FinTech Use and Perceived Digital Capability. In M. Valenta, B. Mannová, R. Pergl, A. Przybylek, M. Lang, H. Linger, C. Schneider, N. Iivari, & E. Insfran (Eds.), Making ISD Sustainable: Reloaded with AI and Automation (ISD2026 Proceedings). Prague, Czech Republic: Czech Technical University in Prague. ISBN: 978-80-01-07585-2. https://doi.org/10.62036/ISD.2026.150