Analisis Implementasi Model Bisnis Insurtech Terhadap Kesiapan Tata Kelola, Kepatuhan Regulasi, Dan Perlindungan Konsumen Pada Qoala Insurance
DOI:
https://doi.org/10.37385/ceej.v7i4.12156Keywords:
InsurTech, model bisnis, tata kelola, kepatuhan regulasi, perlindungan konsumen.Abstract
Transformasi digital mendorong berkembangnya InsurTech untuk mendukung distribusi produk asuransi, interaksi nasabah, dan efisiensi proses melalui platform digital, integrasi API, analitik data, dan otomasi. Di Indonesia, InsurTech banyak berperan sebagai platform penyalur (marketplace/pembanding) dan pendukung teknologi/proses yang berkolaborasi dengan perusahaan asuransi dan/atau perantara. Penelitian ini menganalisis implementasi model bisnis InsurTech pada Qoala Insurance (PT Mitra Jasa Pratama) serta menilai kesiapan tata kelola, kepatuhan regulasi, dan perlindungan konsumen. Metode penelitian menggunakan pendekatan kualitatif deskriptif dengan desain studi kasus. Data diperoleh melalui wawancara semi-terstruktur dan telaah dokumen. Analisis dilakukan dengan model Miles & Huberman dan pengelompokan tematik, disertai pemetaan Business Model Canvas ke tiga dimensi penilaian. Hasil penelitian menghasilkan pemetaan model bisnis Qoala, identifikasi gap dan akar penyebab, serta rekomendasi perbaikan yang operasional terkait kebijakan, kontrol, tata kelola kemitraan, dan penguatan perlindungan konsumen.
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