{"id":"https://openalex.org/W7225650657","doi":"https://doi.org/10.55041/ijsmt.v2i11.018","title":"AI-Enabled FinTech Services: Examining Consumer Trust, Security, and Behavioural Intentions an Empirical Investigation into the Insurance Sector in India","display_name":"AI-Enabled FinTech Services: Examining Consumer Trust, Security, and Behavioural Intentions an Empirical Investigation into the Insurance Sector in India","publication_year":2026,"publication_date":"2026-11-09","ids":{"openalex":"https://openalex.org/W7225650657","doi":"https://doi.org/10.55041/ijsmt.v2i11.018"},"language":"en","primary_location":{"id":"doi:10.55041/ijsmt.v2i11.018","doi":"https://doi.org/10.55041/ijsmt.v2i11.018","is_oa":true,"landing_page_url":"https://doi.org/10.55041/ijsmt.v2i11.018","pdf_url":"https://ijsmt.org/wp-content/uploads/2026/11/AI-Enabled-FinTech-Services-Examining-Consumer-Trust-Security-and-Behavioural-Intentions-An-Empirical-Investigation-into-the-Insurance-Sector-in-India.pdf","source":{"id":"https://openalex.org/S7407053991","display_name":"International Journal of Science Strategic Management and Technology","issn_l":"3108-1762","issn":["3108-1762"],"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"journal"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"International Journal of Science, Strategic Management and Technology","raw_type":"journal-article"},"volume":null,"type":"article","is_traditional":true,"indexed_in":["crossref"],"open_access":{"is_oa":true,"oa_status":"bronze","oa_url":"https://ijsmt.org/wp-content/uploads/2026/11/AI-Enabled-FinTech-Services-Examining-Consumer-Trust-Security-and-Behavioural-Intentions-An-Empirical-Investigation-into-the-Insurance-Sector-in-India.pdf","any_repository_has_fulltext":false},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5161357096","display_name":"N. Krithika","orcid":null,"observed_orcids":[]},"institutions":[],"countries":[],"is_corresponding":false,"raw_author_name":"N. Krithika","raw_affiliation_strings":["Department of Commerce, Bhavan\u2019s Vivekananda College of Science, Humanities and Commerce"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Department of Commerce, Bhavan\u2019s Vivekananda College of Science, Humanities and Commerce","institution_ids":[]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5161333133","display_name":"Latha Devi Seervi","orcid":null,"observed_orcids":[]},"institutions":[],"countries":[],"is_corresponding":false,"raw_author_name":"Latha Devi Seervi","raw_affiliation_strings":["Department of Commerce, Bhavan\u2019s Vivekananda College of Science, Humanities and Commerce"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Department of Commerce, Bhavan\u2019s Vivekananda College of Science, Humanities and Commerce","institution_ids":[]}]},{"author_position":"last","author":{"id":"https://openalex.org/A5161312819","display_name":"Prof. D. Sanjeeva Rao","orcid":null,"observed_orcids":[]},"institutions":[],"countries":[],"is_corresponding":false,"raw_author_name":"Prof. D. Sanjeeva Rao","raw_affiliation_strings":["Department of Commerce, Bhavan\u2019s Vivekananda College of Science, Humanities and Commerce"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Department of Commerce, Bhavan\u2019s Vivekananda College of Science, Humanities and Commerce","institution_ids":[]}]}],"institutions":[],"countries_distinct_count":0,"institutions_distinct_count":0,"corresponding_author_ids":[],"corresponding_institution_ids":[],"apc_list":null,"apc_paid":null,"fwci":0.0,"has_fulltext":true,"cited_by_count":0,"citation_normalized_percentile":{"value":0.0,"is_in_top_1_percent":false,"is_in_top_10_percent":false},"cited_by_percentile_year":null,"biblio":{"volume":"02","issue":"11","first_page":"1","last_page":"9"},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T10068","display_name":"Technology Adoption and User Behaviour","score":0.9940999746322632,"subfield":{"id":"https://openalex.org/subfields/1802","display_name":"Information Systems and Management"},"field":{"id":"https://openalex.org/fields/18","display_name":"Decision Sciences"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},"topics":[{"id":"https://openalex.org/T10068","display_name":"Technology Adoption and User Behaviour","score":0.9940999746322632,"subfield":{"id":"https://openalex.org/subfields/1802","display_name":"Information Systems and Management"},"field":{"id":"https://openalex.org/fields/18","display_name":"Decision Sciences"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T12128","display_name":"AI in Service Interactions","score":0.0031999999191612005,"subfield":{"id":"https://openalex.org/subfields/1406","display_name":"Marketing"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T11995","display_name":"FinTech, Crowdfunding, Digital Finance","score":0.00039999998989515007,"subfield":{"id":"https://openalex.org/subfields/1404","display_name":"Management Information Systems"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/insurance-services","display_name":"insurance services","score":0.6309999823570251},{"id":"https://openalex.org/keywords/consumer-trust","display_name":"consumer trust","score":0.9940000176429749},{"id":"https://openalex.org/keywords/perceived-security","display_name":"perceived security","score":0.996999979019165},{"id":"https://openalex.org/keywords/behavioral-intention","display_name":"behavioral intention","score":0.8299999833106995},{"id":"https://openalex.org/keywords/technology-acceptance","display_name":"technology acceptance","score":0.7239999771118164},{"id":"https://openalex.org/keywords/utaut","display_name":"UTAUT","score":0.8389999866485596},{"id":"https://openalex.org/keywords/information-privacy-concerns","display_name":"data privacy concerns","score":0.8539999723434448},{"id":"https://openalex.org/keywords/algorithmic-transparency","display_name":"algorithmic transparency","score":1.0},{"id":"https://openalex.org/keywords/institutional-trust","display_name":"institutional trust","score":0.8500000238418579},{"id":"https://openalex.org/keywords/artificial-intelligence-adoption","display_name":"artificial intelligence adoption","score":0.5139999985694885},{"id":"https://openalex.org/keywords/indian-insurance-industry","display_name":"Indian insurance sector","score":0.6489999890327454},{"id":"https://openalex.org/keywords/responsible-ai-governance","display_name":"responsible AI governance","score":0.621999979019165}],"concepts":[{"id":"https://openalex.org/C162853370","wikidata":"https://www.wikidata.org/wiki/Q39809","display_name":"Marketing","level":1,"score":0.5623000264167786},{"id":"https://openalex.org/C2780233690","wikidata":"https://www.wikidata.org/wiki/Q535347","display_name":"Transparency (behavior)","level":2,"score":0.5396999716758728},{"id":"https://openalex.org/C2776185967","wikidata":"https://www.wikidata.org/wiki/Q112945","display_name":"Technology acceptance model","level":3,"score":0.5327000021934509},{"id":"https://openalex.org/C139043278","wikidata":"https://www.wikidata.org/wiki/Q837171","display_name":"Financial services","level":2,"score":0.5055000185966492},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.4885999858379364},{"id":"https://openalex.org/C2780409804","wikidata":"https://www.wikidata.org/wiki/Q621701","display_name":"Apprehension","level":2,"score":0.4733999967575073},{"id":"https://openalex.org/C23213687","wikidata":"https://www.wikidata.org/wiki/Q301468","display_name":"Consumer behaviour","level":2,"score":0.4627000093460083},{"id":"https://openalex.org/C158739034","wikidata":"https://www.wikidata.org/wiki/Q1907114","display_name":"Metropolitan area","level":2,"score":0.4235000014305115},{"id":"https://openalex.org/C105776082","wikidata":"https://www.wikidata.org/wiki/Q617473","display_name":"Likert scale","level":2,"score":0.39070001244544983},{"id":"https://openalex.org/C2780378061","wikidata":"https://www.wikidata.org/wiki/Q25351891","display_name":"Service (business)","level":2,"score":0.3869999945163727},{"id":"https://openalex.org/C85973986","wikidata":"https://www.wikidata.org/wiki/Q1091731","display_name":"Exploratory research","level":2,"score":0.37119999527931213},{"id":"https://openalex.org/C120936955","wikidata":"https://www.wikidata.org/wiki/Q2155640","display_name":"Empirical research","level":2,"score":0.35670000314712524},{"id":"https://openalex.org/C170130773","wikidata":"https://www.wikidata.org/wiki/Q216378","display_name":"Usability","level":2,"score":0.349700003862381},{"id":"https://openalex.org/C2780346085","wikidata":"https://www.wikidata.org/wiki/Q7884986","display_name":"Unified theory of acceptance and use of technology","level":3,"score":0.34299999475479126},{"id":"https://openalex.org/C166052673","wikidata":"https://www.wikidata.org/wiki/Q83021","display_name":"Empirical evidence","level":2,"score":0.3230000138282776},{"id":"https://openalex.org/C162118730","wikidata":"https://www.wikidata.org/wiki/Q1128453","display_name":"Actuarial science","level":1,"score":0.3158000111579895},{"id":"https://openalex.org/C165957694","wikidata":"https://www.wikidata.org/wiki/Q5421350","display_name":"Exploratory factor analysis","level":3,"score":0.3149999976158142},{"id":"https://openalex.org/C26760741","wikidata":"https://www.wikidata.org/wiki/Q160402","display_name":"Perception","level":2,"score":0.314300000667572},{"id":"https://openalex.org/C540431452","wikidata":"https://www.wikidata.org/wiki/Q16319025","display_name":"FinTech","level":3,"score":0.2989000082015991},{"id":"https://openalex.org/C163355716","wikidata":"https://www.wikidata.org/wiki/Q2154783","display_name":"Risk perception","level":3,"score":0.2964000105857849},{"id":"https://openalex.org/C123201435","wikidata":"https://www.wikidata.org/wiki/Q456632","display_name":"Information privacy","level":2,"score":0.296099990606308},{"id":"https://openalex.org/C2778656907","wikidata":"https://www.wikidata.org/wiki/Q5164712","display_name":"Consumer privacy","level":3,"score":0.29120001196861267},{"id":"https://openalex.org/C121087249","wikidata":"https://www.wikidata.org/wiki/Q546395","display_name":"Emerging markets","level":2,"score":0.29089999198913574},{"id":"https://openalex.org/C89785696","wikidata":"https://www.wikidata.org/wiki/Q2290753","display_name":"Theory of planned behavior","level":3,"score":0.29010000824928284},{"id":"https://openalex.org/C116537","wikidata":"https://www.wikidata.org/wiki/Q2169973","display_name":"Service provider","level":3,"score":0.2831999957561493},{"id":"https://openalex.org/C162324750","wikidata":"https://www.wikidata.org/wiki/Q8134","display_name":"Economics","level":0,"score":0.2786000072956085},{"id":"https://openalex.org/C87156501","wikidata":"https://www.wikidata.org/wiki/Q7268708","display_name":"Qualitative property","level":2,"score":0.2718999981880188},{"id":"https://openalex.org/C78597825","wikidata":"https://www.wikidata.org/wiki/Q484847","display_name":"E-commerce","level":2,"score":0.26989999413490295},{"id":"https://openalex.org/C3020299011","wikidata":"https://www.wikidata.org/wiki/Q626608","display_name":"Life insurance","level":2,"score":0.26820001006126404},{"id":"https://openalex.org/C190248442","wikidata":"https://www.wikidata.org/wiki/Q839486","display_name":"Qualitative research","level":2,"score":0.2669999897480011},{"id":"https://openalex.org/C10511746","wikidata":"https://www.wikidata.org/wiki/Q899388","display_name":"Data security","level":3,"score":0.2615000009536743},{"id":"https://openalex.org/C2777276756","wikidata":"https://www.wikidata.org/wiki/Q5196446","display_name":"Customer base","level":2,"score":0.26089999079704285},{"id":"https://openalex.org/C121017731","wikidata":"https://www.wikidata.org/wiki/Q11661","display_name":"Information technology","level":2,"score":0.2551000118255615},{"id":"https://openalex.org/C188353592","wikidata":"https://www.wikidata.org/wiki/Q450586","display_name":"Expectancy theory","level":2,"score":0.2551000118255615},{"id":"https://openalex.org/C39896193","wikidata":"https://www.wikidata.org/wiki/Q380344","display_name":"Descriptive statistics","level":2,"score":0.25380000472068787},{"id":"https://openalex.org/C2779903281","wikidata":"https://www.wikidata.org/wiki/Q6888026","display_name":"Modalities","level":2,"score":0.2533000111579895}],"mesh":[],"locations_count":1,"locations":[{"id":"doi:10.55041/ijsmt.v2i11.018","doi":"https://doi.org/10.55041/ijsmt.v2i11.018","is_oa":true,"landing_page_url":"https://doi.org/10.55041/ijsmt.v2i11.018","pdf_url":"https://ijsmt.org/wp-content/uploads/2026/11/AI-Enabled-FinTech-Services-Examining-Consumer-Trust-Security-and-Behavioural-Intentions-An-Empirical-Investigation-into-the-Insurance-Sector-in-India.pdf","source":{"id":"https://openalex.org/S7407053991","display_name":"International Journal of Science Strategic Management and Technology","issn_l":"3108-1762","issn":["3108-1762"],"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"journal"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"International Journal of Science, Strategic Management and Technology","raw_type":"journal-article"}],"best_oa_location":{"id":"doi:10.55041/ijsmt.v2i11.018","doi":"https://doi.org/10.55041/ijsmt.v2i11.018","is_oa":true,"landing_page_url":"https://doi.org/10.55041/ijsmt.v2i11.018","pdf_url":"https://ijsmt.org/wp-content/uploads/2026/11/AI-Enabled-FinTech-Services-Examining-Consumer-Trust-Security-and-Behavioural-Intentions-An-Empirical-Investigation-into-the-Insurance-Sector-in-India.pdf","source":{"id":"https://openalex.org/S7407053991","display_name":"International Journal of Science Strategic Management and Technology","issn_l":"3108-1762","issn":["3108-1762"],"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"journal"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"International Journal of Science, Strategic Management and Technology","raw_type":"journal-article"},"sustainable_development_goals":[],"study_designs":[{"display_name":"Observational Study","id":"https://openalex.org/study-designs/observational-study"}],"awards":[],"funders":[],"has_content":{"grobid_xml":true,"pdf":true},"content_urls":{"pdf":"https://content.openalex.org/works/W7225650657.pdf","grobid_xml":"https://content.openalex.org/works/W7225650657.grobid-xml"},"referenced_works_count":0,"referenced_works":[],"related_works":["https://openalex.org/W7220690569","https://openalex.org/W7225102872","https://openalex.org/W4392044777","https://openalex.org/W7216727879","https://openalex.org/W7217435397","https://openalex.org/W7167365394","https://openalex.org/W7216783303","https://openalex.org/W7153821089","https://openalex.org/W7118333546","https://openalex.org/W7222336754"],"abstract_inverted_index":{"The":[0,190],"convergence":[1],"of":[2,15,68,72,83],"artificial":[3],"intelligence":[4],"(AI)":[5],"and":[6,29,43,70,90,103,113,136,152,204,225,235],"financial":[7],"technology":[8],"(FinTech)":[9],"has":[10],"transformed":[11],"the":[12,36,65,75,162,244],"operational":[13],"architecture":[14],"India's":[16],"insurance":[17,51,172,246],"industry,":[18],"redefining":[19],"how":[20,78],"consumers":[21],"interact":[22],"with":[23,64],"insurers":[24,195],"across":[25,111],"underwriting,":[26],"claims":[27],"settlement,":[28],"personalised":[30],"advisory":[31],"services.":[32,173],"This":[33],"study":[34,191],"investigates":[35],"interplay":[37],"between":[38],"consumer":[39,144,211],"trust,":[40],"perceived":[41,79,81,153],"security,":[42],"behavioural":[44,167],"intentions":[45,168],"toward":[46],"AI-enabled":[47],"FinTech":[48],"services":[49],"among":[50],"customers":[52],"in":[53,56,243],"India.":[54],"Anchored":[55],"an":[57,222],"extended":[58],"Technology":[59,73],"Acceptance":[60,69],"Model":[61],"(TAM)":[62],"integrated":[63],"Unified":[66],"Theory":[67],"Use":[71],"(UTAUT),":[74],"research":[76],"examines":[77],"usefulness,":[80],"ease":[82],"use,":[84],"data":[85,105],"privacy":[86,175],"concerns,":[87],"algorithmic":[88,184],"transparency,":[89],"institutional":[91],"trust":[92,145,188],"collectively":[93],"shape":[94],"adoption":[95,242],"behaviour.":[96],"A":[97],"quantitative,":[98],"cross-sectional":[99],"design":[100],"was":[101],"adopted,":[102],"primary":[104],"were":[106,127],"collected":[107],"from":[108],"412":[109],"policyholders":[110],"metropolitan":[112],"tier-II":[114],"cities":[115],"using":[116,139],"a":[117,122,179],"structured":[118],"questionnaire":[119],"measured":[120],"on":[121,166],"five-point":[123],"Likert":[124],"scale.":[125],"Data":[126,174],"analyzed":[128],"through":[129],"descriptive":[130],"statistics,":[131],"exploratory":[132],"factor":[133],"analysis,":[134],"correlation,":[135],"multiple":[137],"regression":[138],"SPSS.":[140],"Findings":[141],"reveal":[142],"that":[143,193],"(\u03b2":[146,155],"=":[147,156],"0.412,":[148],"p":[149,158],"<":[150,159],"0.001)":[151,160],"security":[154],"0.338,":[157],"exert":[161],"strongest":[163],"positive":[164],"influence":[165],"to":[169,209,229,238],"adopt":[170],"AI-driven":[171],"apprehension":[176],"emerged":[177],"as":[178,233],"significant":[180],"negative":[181],"moderator,":[182],"while":[183],"transparency":[185],"substantially":[186],"enhanced":[187],"formation.":[189],"concludes":[192],"Indian":[194,245],"must":[196],"prioritise":[197],"transparent":[198],"AI":[199,241],"governance,":[200],"robust":[201],"cybersecurity":[202],"frameworks,":[203],"human\u2013AI":[205],"hybrid":[206],"service":[207],"models":[208],"accelerate":[210],"acceptance.":[212],"These":[213],"insights":[214],"contribute":[215],"theoretically":[216],"by":[217],"contextualising":[218],"trust\u2013security":[219],"dynamics":[220],"within":[221],"emerging":[223],"economy":[224],"offer":[226],"practical":[227],"guidance":[228],"insurers,":[230],"regulators":[231],"such":[232],"IRDAI,":[234],"policymakers":[236],"seeking":[237],"foster":[239],"responsible":[240],"landscape.":[247]},"counts_by_year":[],"updated_date":"2026-11-11T12:16:26.678958","created_date":"2026-11-10T00:00:00"}
