Browsing by Author "Tom Elvis Okirya Ochola and Susan Mwebaza"

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    Evaluating the adoption of the online motor third party insurance payment system in Uganda
    (Insurance Training College, 2026-06-09) Tom Elvis Okirya Ochola and Susan Mwebaza
    This study examined the factors influencing the adoption of the online motor third-party (MTP) insurance payment system using the Technology Acceptance Model (TAM) as the theoretical framework. A mixed methods research design was employed, combining quantitative and qualitative approaches. Quantitative data were collected from motorists through an online pre-tested semi structured questionnaire, while qualitative insights were obtained from interviews with key informants such as selected customers, traffic officers and insurance agents. The study targeted a population of 1,000 motorists, primarily from Kampala, alongside 20 customers and agents. A sample of 276 respondents was used. The findings revealed that although there is a considerable level of awareness about the existence of the online MTP insurance payment system, its actual usage remains relatively low. While most users perceive the system as easy to use, several still encounter technical and procedural challenges that limit its perceived usefulness and hinder full adoption. Practically, the findings provide valuable insights for insurers seeking to enhance customer adoption and for policymakers, particularly the Insurance Regulatory Authority (IRA) of Uganda, to develop strategies and policies that promote broader use of digital platforms in the insurance sector.