PERAN INOVASI DIGITAL DALAM MENINGKATKAN PENETRASI ASURANSI DI INDONESIA
DOI:
https://doi.org/10.31539/3ettxc56Keywords:
Inovasi Digital, Insurtech, Penetrasi Asuransi, Literasi Digital, Transformasi DigitalAbstract
Perkembangan inovasi digital telah membawa perubahan mendasar dalam industri asuransi, khususnya melalui kehadiran insurance technology (InsurTech). Penelitian ini bertujuan untuk menelaah secara sistematis bagaimana inovasi digital berkontribusi terhadap peningkatan penetrasi asuransi di Indonesia. Metode yang digunakan adalah Systematic Literature Review (SLR) dengan kerangka PRISMA, mencakup analisis terhadap artikel-artikel terindeks SINTA dan Scopus dalam kurun waktu 2020–2025 sebanyak 12 artikel. Hasil penelitian menunjukkan bahwa pertama, Insurtech mencakup teknologi seperti aplikasi seluler, blockchain, AI, IoT, dan telemedicine yang meningkatkan efisiensi operasional dan pengalaman nasabah. Kedua, inovasi digital ini membawa transformasi signifikan dalam industri asuransi, dengan fokus pada kecerdasan buatan dan blockchain untuk efisiensi dan transparansi. Insurtech memiliki potensi besar untuk mengubah lanskap pasar asuransi, terutama di kalangan konsumen digital-savvy, dengan meningkatkan aksesibilitas, pengalaman interaktif, dan efisiensi manajemen perusahaan. Ketiga, implementasi Insurtech dihadapkan pada hambatan seperti kesenjangan literasi digital, keterbatasan infrastruktur, lemahnya integrasi sistem, serta kebutuhan akan harmonisasi regulasi, keamanan siber, dan edukasi nasabah. Perlindungan data pribadi juga menjadi aspek krusial dalam pengembangan Insurtech. Singkatnya, Insurtech berpotensi mendorong pertumbuhan industri asuransi di era digital jika tantangan implementasi dapat diatasi dengan strategi yang tepat melibatkan teknologi, regulasi, dan edukasi stakeholder. Temuan ini menegaskan bahwa keberhasilan penetrasi asuransi digital tidak hanya ditentukan oleh kesiapan teknologi, tetapi juga oleh sinergi antara regulator dan industri dalam membangun layanan digital untuk nasabah asuransi.
Kata Kunci: Inovasi digital, InsurTech, penetrasi asuransi, literasi digital, transformasi digital
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Copyright (c) 2026 Trioksa Siahaan, Mulya Efendy Siregar, Edy Setiadi, Jerry Marmen, Gerhad Lanuharsa
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