... individuals/consumers and 10 agents/employees of life insurance companies in the Delhi-NCR area of India. Findings This study found that there are some incentives of and barriers to using online insurance services as perceived by the respondents that have a bearing on their level of readiness towards...

... generated from the data analysis: digital divide (DD), which includes the digital access divide, digital capability divide and digital innovativeness divide; socio-demographic divide (SD), which includes education, geographical location, gender, age and income; psychological barriers, which include a lack...

.... This study aims to identify the barriers that limit customers to use digital financial services (DFS) in Pakistan. Second, this study aims to spread awareness of DFS and benefits of digital financial inclusion and services to retain customers in Pakistan. Third, the study purposes to retain old customers...