DIGITAL LITERACY AND ITS INFLUENCE ON INSURANCE TECHNOLOGY ADOPTION IN RURAL REGIONS

Digital literacy plays a critical role in the adoption and effective use of insurance technology in rural regions. The increasing reliance on digital platforms for insurance services presents both opportunities and challenges for rural populations, many of whom may face barriers to digital engagement due to factors such as limited internet access, low digital skills, and cultural or socioeconomic constraints. This paper examines how digital literacy influences the adoption of insurance technology, focusing on rural areas where technological infrastructure and digital education may be underdeveloped. By analyzing case studies and surveying rural populations, we explore the correlation between digital literacy levels and the willingness to adopt insurance technologies such as mobile apps, online claims processing, and digital policy management. The findings suggest that enhancing digital literacy in rural regions can significantly boost the adoption of insurance technology, improve financial inclusion, and foster greater economic stability in these communities. We also discuss strategies for overcoming digital divides and fostering an inclusive insurance ecosystem.