Identifying the Network of Themes of New Technologies in the Development of Takaful Insurance with an Emphasis on Artificial Intelligence and Blockchain
Keywords:
New technologies, takaful insurance, artificial intelligence, blockchainAbstract
The purpose of this study is to identify and analyze the network of themes of new technologies in the development of takaful insurance with a focus on artificial intelligence and blockchain. This research adopted a qualitative approach using Braun and Clarke’s thematic analysis. Data were collected through semi-structured interviews with 20 takaful insurance experts. The data were coded and analyzed using ATLAS TI software, allowing for the identification of key dimensions and themes. The thematic analysis identified 115 initial codes, 50 first-level themes, and 10 second-level themes. The main themes comprised insurance technological innovations, application of artificial intelligence, blockchain-based transparency, digital Sharia compliance, digital transformation infrastructures, takaful market drivers, smart risk assessment, personalization of insurance services, smart data governance, and collaborative technological trust-building. Emerging technologies such as artificial intelligence and blockchain play a crucial role in enhancing takaful insurance processes by increasing transparency, improving data security, enabling personalized services, and strengthening customer trust. These advancements ultimately contribute to the competitive positioning of takaful insurance in Islamic financial markets.
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