ANALISIS TRANSFORMASI DIGITAL UNTUK MENINGKATKAN DAYA SAING PERUSAHAAN ASURANSI JIWA

Andesna  Nanda; Reimond Napitupulu; Vika  Wulandari

doi:10.34127/jrlab.v15i1.2170

Authors

Andesna Nanda Sekolah Tinggi Manajemen Asuransi (STMA) Trisakti
Reimond Napitupulu Sekolah Tinggi Manajemen Asuransi (STMA) Trisakti
Vika Wulandari Sekolah Tinggi Manajemen Asuransi (STMA) Trisakti

DOI:

https://doi.org/10.34127/jrlab.v15i1.2170

Keywords:

Digital Transformation, Life Insurance, Technological Innovation

Abstract

This study aims to analyze the role of digital transformation in enhancing the competitiveness of life insurance companies. Digital transformation has become a critical strategy in responding to changing customer behavior, increasing industry competition, and rapid technological advancements. The research employs a systematic literature review method by examining relevant academic articles and industry reports on digital transformation and life insurance. The findings indicate that the adoption of digital technologies, such as process automation, data analytics, and digital service platforms, contributes to improved operational efficiency, service quality, and customer experience. However, the success of digital transformation largely depends on human resource readiness and strong managerial support.

References

Adams, U. (2025). Digital Transformation and Its Impact on Business Models. International Journal of Economics, Business and Management Research, 09(02). https://doi.org/10.51505/ijebmr.2025.9212

Akmal, A. N., Maelasari, N., & Lusiana, L. (2025). Pemahaman Deep Learning dalam Pendidikan: Analisis Literatur melalui Metode Systematic Literature Review (SLR). JIIP - Jurnal Ilmiah Ilmu Pendidikan, 8(3). https://doi.org/10.54371/jiip.v8i3.7442

Anshori. (2024). Dampak Inovasi Digital Insurance Technology Terhadap Layanan Claim Asuransi Jiwa Di Indonesia (Studi Kasus: PT Asuransi Jiwa Sinarmas). Jurnal Manajemen, 11(3).

Baker, T., & Shortland, A. (2023). Insurance and enterprise: cyber insurance for ransomware. Geneva Papers on Risk and Insurance: Issues and Practice, 48(2). https://doi.org/10.1057/s41288-022-00281-7

Cennamo, C., Dagnino, G. B., Di Minin, A., & Lanzolla, G. (2024). Managing digital transformation: Scope of transformation and modularity of organizational capabilities. Journal of Business Research, 169, 114280. https://doi.org/10.1016/j.jbusres.2023.114280

Chaira, R., Lukman, S., & Lukito, H. (2023). Analisis Strategi Bisnis PT. Asuransi Jiwa Inhealth Indonesia. Jurnal Informatika Ekonomi Bisnis. https://doi.org/10.37034/infeb.v5i3.689

Eling, M. (2024). Is the insurance industry sustainable? Journal of Risk Finance , 25(4), 684–703. https://doi.org/10.1108/JRF-12-2023-0314

Firley, D. A. (2020). FAMILY BUSINESS PROFESSIONALIZATION THROUGH INNOVATION: CASE STUDY. In EURAM 2020 online conference.

Husna, Hasanatul., Mahrita., Lestari, L. P. (2024). Tinjauan Literatur : Transformasi Teknologi Digital. Jurnal Pendidikan, Sosial Dan Pengabdian Masyarakat (JPSPM), 01(01).

Kraus, S., Durst, S., Ferreira, J. J., Veiga, P., Kailer, N., & Weinmann, A. (2024). Digital transformation in business and management research: An overview of the current status quo. Journal of Business Research, 164, 113998. https://doi.org/10.1016/j.jbusres.2023.113998

Li, F., Papagiannidis, S., & Bourlakis, M. (2023). Strategic digital transformation and firm competitiveness: Evidence from financial services. Journal of Business Research, 154, 113364. https://doi.org/10.1016/j.jbusres.2022.113364

Lubis, N. W. (2023). RESOURCE BASED VIEW (RBV) DALAM MENINGKATKAN KAPASITAS STRATEGIS PERUSAHAAN. Jurnal Ilmu Manajemen METHONOMIX, 6(1). https://doi.org/10.46880/mtx.vol6no1.pp14-26

Napitupulu, R. H. M., Nadapdap, H. S., Maulana, W., & Pratama, S. (2025). STRATEGI PENGEMBANGAN BISNIS DALAM MENGHADAPI PERSAINGAN BISNIS INSURANCE TECHNOLOGY (INSURTECH) DI INDONESIA. JURNAL LENTERA BISNIS, 14(1), 751–763. https://doi.org/https://doi.org/10.34127/jrlab.v14i1.1401

Napitupulu, R. H. M., Rasyid, U., Budhialon, P. R., Sardjito, R. M. D. H., & Adam, H. (2025). Pengenalan Profesi di Industri Perasuransian Bagi Siswa SMA Santo Fransiskus 2 Jakarta. Community Engagement and Emergence Journal (CEEJ), 6(1), 70–75. https://doi.org/https://doi.org/10.37385/ceej.v6i1.7133

Napitupulu, R. H. M., Sardjito, R. M. D. H., Nugroho, P., & Maulana, W. (2025). OPTIMALISASI PREMI ASURANSI RETAIL ELEKTRONIK MELALUI INOVASI EKOSISTEM DIGITAL TERINTEGRASI DI INDONESIA. JURNAL LENTERA BISNIS, 14(2), 2272–2282. https://doi.org/https://doi.org/10.34127/jrlab.v14i2.1602

Nicoletti, B. (2023). Insurance 4.0: Benefits and challenges of digital transformation. Palgrave Macmillan. https://doi.org/10.1007/978-3-031-24768-7

OECD/INFE. (2020). OECD/INFE 2020 International Survey of Adult Financial Literacy. OECD/INFE 2020 International Survey of Adult Financial Literacy.

Palazzo, S., Spampinato, C., Kavasidis, I., Giordano, D., Schmidt, J., & Shah, M. (2024). Rebuttal to ’Comments on “Decoding Brain Representations by Multimodal Learning of Neural Activity and Visual Features” ’. IEEE Transactions on Pattern Analysis and Machine Intelligence, 46(12). https://doi.org/10.1109/TPAMI.2024.3426296

Peter C. Verhoef, Thijs Broekhuizen, Yakov Bart, Abhi Bhattacharya, John Qi Dong, Nicolai Fabian, & Michael Haenlein. (2021). Digital transformation: A multidisciplinary reflection and research agenda. Journal of Business Research, 122, 889–901. https://doi.org/10.1016/j.jbusres.2019.09.022

Putra Rahmadhan, M. A. W., Sensuse, D. I., Suryono, R. R., & Kautsarina. (2023). Trends and Applications of Gamification in E-Commerce: A Systematic Literature Review. Journal of Information Systems Engineering and Business Intelligence, 9(1). https://doi.org/10.20473/jisebi.9.1.28-37

Rahma, M., Masyita, D., Sudarsono, R., & Anwar, M. (2025). Determinants of insolvency in life insurance companies: a systematic literature review and bibliometric analysis using Biblioshiny and VOSviewer. In Cogent Business and Management (Vol. 12, Issue 1). https://doi.org/10.1080/23311975.2025.2573876

Sinaga, R. N., Noriska, N. J., Ahmad, F., Aditya, D. S., Nugroho, P., P., G. A. R., Rahayu, S., Martiano, R., Putri, V. D., Vivi, Situmorang, M. R., Triyadi, T., Fajarini, E., Yanti, H., Asnandar, A., Harno, R. S., Saputro, I., Julioneta, V., Pratama, I. M. Y., … Napitupulu, R. H. M. (2024). Manajemen Strategi Perusahaan Asuransi (W. Maulana (ed.)). Amerta Meida.

Siswanto, D. (2021). Dampak Resiko Keuangan Dalam Bisnis Jasa Keuangan Perusahaan Asuransi Jiwa di Era Pandemi Corona. KarismaPro, 12(1). https://doi.org/10.53675/karismapro.v2i1.71

Surya, H. A., Sukono, Napitupulu, H., & Ismail, N. (2024). A Systematic Literature Review of Insurance Claims Risk Measurement Using the Hidden Markov Model. In Risks (Vol. 12, Issue 11). https://doi.org/10.3390/risks12110169

Trimble, M., Song, X., Anagnostopoulou, S. C., Serer, G. L., Bustos-Contell, E., Climent-Serrano, S., Mintz, S. M., Miller, W. F., Shawver, T. J., Millán, P. L., Serrat, N. A., & Amat, O. (2024). RESEARCH HANDBOOK ON FINANCIAL ACCOUNTING (L. Parrondo (ed.)). Edward Elgar Publishing Limited.

Vives, X. (2024). Competition and digital transformation in financial services. Journal of Business Research, 170, 114343. https://doi.org/10.1016/j.jbusres.2023.114343

Warner, K. S. R., & Wäger, M. (2024). Building dynamic capabilities for digital transformation: An ongoing process of strategic renewal. Journal of Business Research, 167, 114157. https://doi.org/10.1016/j.jbusres.2023.114157

ANALISIS TRANSFORMASI DIGITAL UNTUK MENINGKATKAN DAYA SAING PERUSAHAAN ASURANSI JIWA

Authors

DOI:

Keywords:

Abstract

References

Downloads

Published

Issue

Section

License