Brief Introduction

In the past two decades, digital technology has transformed the world. Digitalization has altered virtually all aspects of human endeavor, government (e-tax administration system), business (e-commerce and payment solutions), travel (online booking, visa application), publishing (e-books, e-news), and even finance (e-banking).

Today in developed world services sectors including insurance, employ different forms of digital technologies to facilitate their day-to-day operations.

Digitalization is applied in the insurance industry for information purposes, application submission, proposal preparation and online contract conclusion, notification of claims, probable address changes, access to customer and contract data (Fadun, 2013).

Table of Contents

Title page
Certification ii
Dedication iii
Acknowledgment iv
Table of Contents vi
Abstract v

CHAPTER ONE
1.0 Introduction 1
1.1 Background of the Study 1-4
1.2 Statement of the Problem 4-5
1.3 Aims and Objectives 5
1.4 Scope of the Study 5-6
1.5 Research Questions 6
1.6 Hypothesis 6-7
1.7 Justification of the Study 7
1.8 Limitation of the Study 7-8
1.9 Significance of the Study 8
1.10 Operational Definition of Terms 8-9

CHAPTER TWO
2.0 Review of Literature 10
2.1. Introduction 10-13
2.2 Theories of Digitalization 13
2.2.1 Digitalization and the Future of Democratic Theory 13-16
2.2.2 Key Theories of Digital Culture 16-21
2.2.3 The First Stage Theory of Digital Transformation 21-23
2.3 Conceptual Framework 23
2.3.1 Digitalization 23-24
2.3.2 Insurance Advisor 24
2.3.3 Digitalization and Insurance Adviser 24-27
2.4 Empirical Literature 27-30
2.5 digitalization change in value chain and its effects insurance penetration 30-35

CHAPTER THREE
3.0 Research Methodology 36
3.1 Introduction 36-37
3.2 Area of Study 37
3.3 Research Method and Design 37
3.4 Method of Data Collection 38
3.5 Study Population 38
3.6 Sampling Design and Procedures 38-39
3.7 Research Instrument 39-40
3.8 Reliability of Research Instrument 40
3.9 Method of Data Analysis

CHAPTER FOUR
4..0 Data Presentation and Analysis 41
4.1 Introduction 41
4.2 Data Presentation 41-45
4.3 Analysis of Data According to Research Questions 45-65

CHAPTER FIVE
5.0 Summary, Conclusion and Recommendation s 66
5.1 Summary of Findings 66-67
5.2 Conclusion 67-68
5.3 Recommendations 68-69
5.4 suggestions for further studies 69
References 70
Questionnaire 71-73