1. Introduction
Over the past few years, the frequency of vehicles on the road, road safety levels, and safety standards and technology in vehicles have contributed to a continual increase in road traffic accidents (RTAs) and traffic violations. In addition, activities unrelated to the primary task of driving, such as cell phone distractions, roadside commercial advertisements, and the like, have been said to frequently impede the necessary vigilance of drivers, thereby increasing the risk of accidents and injuries [
1,
2]. A study conducted by Dingus in 2016 showed that in recent naturalistic studies carried out in the United States, interacting with a mobile phone manually, such as sending messages, can increase the likelihood of traffic accidents by 6.1% and receiving phone calls by 12.2% [
3]. Furthermore, this statement is supported by a systematic survey review indicating an increase in driver distractions, such as cell phone usage, occurring worldwide [
4,
5].
2. Literature Review and Conceptualization
2.1 Techonology Acceptance Model (TAM)
The Technology Acceptance Model (TAM) is a development of the Theory of Reasoned Action (TRA) proposed by Fishbein and Ajzen in 1975, and refers to the exploration of public acceptance of new technology [
6]. Furthermore, David in 1989 explained that TAM consists of four constructs, namely (1) perceived usefulness referring to the extent to which the public believes that overall driver performance can be improved with a specific system or technology; (2) perceived ease of use referring to the extent to which the public believes that by using a specific system or technology, drivers can be freed from physical and mental effort; (3) attitude defined as an individual's preference when using a specific system or technology, and (4) intention to use defined as the level of cognitive and psychological state of mind and overall of an individual in using a specific system or technology [
7].
Several previous studies have used TAM to analyze public acceptance of new technology or systems used in vehicles, particularly those focusing on traffic accident claim systems. Christian Brandstatter in his research used TAM to understand public acceptance of the environmental potential benefits of Autonomous Electric Vehicles (AEVs), which is a development of Electric Vehicles (EVs) and Autonomous Vehicles (AVs) [
8]. Furthermore, TAM in another study was also used to develop two concepts of fully automated driving, namely private use and shared use [
9]. The results showed that user attention is focused on safety, usefulness, compatibility, trust, and ease of use. Park et al in 2022 used TAM to explain drivers' acceptance of a mobile navigation system by integrating other constructs as a form of behavioral intention to avoid traffic accidents [
10]. This is supported by the statement in the research that applied the TAM framework to assess the navigation system and its ability to analyze the background and structure of user acceptance [
11]. Other advanced technologies such as the cooperative vehicle infrastructure system (CVIS) in the field of intelligent transportation have also shown that TAM is used to study subjective driver acceptance and its influencing factors [
12]. Therefore, the first hypothesis in this study is proposed as follows:
H1. The acceptance model has a positive effect on behavioral intentions to use Traffic Accident Claim System.
2.2 Theory of Planned Behavior (TPB)
The Theory of Planned Behavior (TPB) has been widely applied in several previous studies to assess acceptance in the context of road safety. Ajzen in 1991 states that the TPB predicts attitude, subjective norm, and perceived behavioral control in influencing intentions, which in turn influence actual behavior [
1]. Furthermore, it is said that in the TPB, the stronger an individual's intention to perform a particular behavior, the more likely they are to engage in that behavior. The fundamental beliefs that influence each standard construct consist of behavioral beliefs, normative beliefs, and control beliefs. Behavioral beliefs refer to the positive or negative evaluation of a behavior, where the more positive a person's attitude, the more likely they are to perform that behavior. Normative beliefs refer to the perceived approval or disapproval of the social group to perform a behavior, as well as the involvement of important referents related to performing a behavior. Control beliefs refer to the perceived ease or difficulty of performing a task influenced by control beliefs based on past experiences related to behavior [
3].
The impact of TPB on behavior intention using the traffic accident claim system has been proven in several studies. This study uses three indicators to measure the TPB, namely behavioral beliefs, normative beliefs, and control beliefs. Zheng Xu in 2022 reveals that each construct of attitude, subjective norm, and behavioral control standard of TPB is a significant predictor of behavioral intention to respond to social interactive technology on smartphones while driving [
14]. This study has compared low behavior intention to engage in smartphone use while driving with high behavior intention [
13,
15]. Furthermore, in the context of compliance with the Daytime Running Headlights (DRH) law for motorcycle riders, TPB constructions have also been significantly predicted [
16]. This is because TPB factors can relate to demographic characteristics and driver experience history, thereby showing high accuracy in predicting driver compliance with DRH laws. In a different perspective, research on the application of TPB constructs in influencing the behavioral intentions of information technology governance practitioners in public organizations can be demonstrated through subjective norm and behavioral control [
17]. The attitude construct in this case has not been proven to have a significant relationship in predicting behavioral intention well. However, Darmansyah et al in 2021 by their research re-affirms that high or low attitude levels can indicate a lack of motivation to perform behavior and vice versa [
18]. Therefore, the second hypothesis of this study is proposed:
H2. Planned behavior has a positive effect on behavioral intentions to use the Traffic Accident Claim System.
2.3 Use of Technology
Several studies have mentioned the Technology Acceptance Model (TAM) as the basis for the Unified Theory of Acceptance and Use of Technology (UTAUT) [
12]. Nordhoff in 2021 highlights that TAM is conceptualized as a function of UTAUT, which can enhance performance, show effort expectations, and exert social influence [
19]. UTAUT consists of four components that can influence an individual's behavioral intention to use technology: performance expectancy, effort expectancy, social influence, and facilitating conditions [
20]. Performance expectancy is defined as the degree to which using technology will benefit consumers in performing certain activities; effort expectancy refers to the ease of use of consumer technology; social influence refers to the extent to which consumers perceive that important others trust them to use a particular technology, and facilitating conditions refer to consumers' perceptions of the resources and support available to perform the behavior [
21,
22].
Traditionally, UTAUT has been applied to study behavioral intention in using information systems, such as health information technology [
22], educational and communication technology [
23], and e-government services. Zhang et al in 2022 utilized UTAUT to evaluate the SASPENCE driver support system, which aims to assist drivers in maintaining a safe distance and speed from the vehicle in front [
12]. This is similar to Adell's investigation in 2010 of drivers' acceptance of the "Safe Speed and Safe Distance" function as part of a field trial of driver support systems in transportation contexts [
24]. The study in 2016 demonstrated that using the UTAUT framework can improve readers' comprehension of how public acceptance of automated vehicles in Greece can be maximized [
24]. Therefore, the third hypothesis of this study posits:
H3. The use of technology has a positive effect on the behavioral intention to use the Traffic Accident Claim System.
2.4 21st Century Digital Skill
The 21st Century Digital Skill, as stated by Van-Laar et al. in 2017 quoted by Martinez-Bravo et al [
25], identifies 12 skills divided into core (technical, information management, communication, collaboration, creativity, critical thinking, and problem-solving) and contextual (ethical awareness, cultural awareness, flexibility, self-direction, and lifelong learning) skills in the relationship between 21st century competencies and digital skills. The study in 2020 state that the partnership of 21st century skills (P21, 2007) is a joint organization with the government or registered companies, consisting of three types of skills: (1) learning skills (creativity and innovation; critical thinking and problem-solving; communication and collaboration), (2) literacy skills (information literacy; media literacy; ICT literacy), and (3) life skills (flexibility and adaptability; initiative and self-direction; social and cross-cultural skills; productivity and accountability; leadership and responsibility) [
26].Furthermore, that research explained that 21st century digital skill is the skill required by individuals in using software or operating digital devices, involving continuous efforts to follow new technologies and practices. The digital components include digital communication skill, digital collaboration skill, digital critical thinking skill, digital creative skill, and digital problem-solving skills [
26].
Several previous studies have used 21st century digital skills to measure the public's digital skills in using new technology. Xu et al in 2019 demonstrated the reliability of 21st century digital skills in measuring students' digital skills and digital citizenship [
27]. Similarly, it was stated that the nature and level of 21st century digital skills are useful for exploring the role of individual workers and organizations in skill development [
28]. Laar asserted that with the naturally high technical skills of workers in using technology intensively, content-related aspects are more likely to be considered [
26]. Other studies have shown that applying 21st century digital skills in collaborative student learning activities can support a good learning environment [
29]. This is because learning alone is not enough, but learners also need tools such as field trips supported by learning and digital literacy skills. Therefore, the fourth hypothesis of this study is proposed as follows:
H4a.
21st Century Digital Skill increases the acceptance model's effect on behavioral intentions to use the Traffic Accident Claim System.
H4b. 21st Century Digital Skill increases planned behavior's effect on behavioral intentions to use the Traffic Accident Claim System.
H4c. 21st Century Digital Skill increases the use of technology's effect on behavioral intentions to use the Traffic Accident Claim System.
3. Research Methodology
3.1 Research Design
The present study utilized an online survey to investigate the determinants of individuals' intention to use the traffic accident claim system in Indonesia. Specifically, this study examined the influence of social interactive technology, concealed smartphone use, and responding behavior towards the Traffic Accident Claim System (TACS) operator on users' behavioral intention. To achieve this objective, the researchers adopted a theoretical framework integrating the Theory of Planned Behavior (TPB), the Technology Acceptance Model (TAM), and the Use of Technology. The survey questionnaire, written in Bahasa Indonesia, consisted of a 5-point Likert scale ranging from "strongly disagree" to "strongly agree."
Regarding the measurement of TAM, the researchers utilized the instrument developed in the form of by Darmansyah et al in 2021, comprising eleven indicators (see
Table 1) to assess images (IM), job relevance (JR), output quality (OQ), result demonstrability (RD), perceptions of external control (PEC), computer anxiety (CA), computer playfulness (CP), perceived enjoyment, and objective usability (OU). In addition, the study employed the instrument developed by Darmansyah et al. (2021) to measure the Planned Behavior construct, consisting of three dimensions (attitude towards the behavior (ATB), subjective norm (SN), and perceived behavioral control (PBC)) and a total of five items [
18].
Furthermore, the study assessed the Use of Technology construct using an instrument developed by Darmansyah et al in 2021 comprising three dimensions: social influence (SI), price value (PV), and habit (Hb), each represented by a single item [
18]. Additionally, the study utilized an instrument developed by Rubach and Lazarides in 2021 to measure the 21st Century Digital Skill construct, which comprises six dimensions, namely information and data literacy, communication and collaboration, digital content creation, safety and security, problem-solving, and analyzing and reflecting [
30]. The instrument comprised 32 items in total. Finally, the study employed an instrument developed by Masrizal et al in 2021 to measure behavioral intention, which consisted of three unidimensional items [
31] (see
Table 2).
3.2 Data Collection Procedure
The respondents in this study were selected using a multisource scheme, which involved 39 police jurisdiction areas of POLDA JATIM distributed across East Java. The sample size of this study was 580 respondents, divided into three institutions: police (221), hospitals (186), and state insurance companies (173), using quota sampling technique. According to Moser (1952), quota sampling differs from random sampling in several small ways, but the fundamental difference is that, after the general sample breakdown is decided (e.g., how many males and females, how many people in each age group to be included), and the quota task is allocated to each interviewer, the actual sample unit selection to fit into this framework is left to the interviewer's discretion.
3.3 Data Analysis
In this study, the data analysis method used was structural equation modeling-partial least squares (SEM-PLS) using SmartPLS software. For many researchers, SEM is equivalent to performing covariance-based SEM (CB-SEM) analysis using software such as Amos, EQS, LISREL, MPlus, and others [
32]. However, SEM should also be considered to include another unique and highly useful approach, namely partial least square SEM (PLS-SEM). PLS-SEM is a causal modeling approach aimed at maximizing the explained variance of dependent latent constructs. This contrasts with the goal of CB-SEM to reproduce the theoretical covariance matrix, without focusing on the explained variances.
Although far less popular than CB-SEM explained by Henseler, Ringle, and Sinkovics, PLS-SEM is increasingly being applied in the field of marketing and other business disciplines [
32], with more than 100 studies published featuring PLS-SEM in 20 top marketing journals. Furthermore, that source also explained that compared to CB-SEM results, which can be highly inaccurate when assumptions are violated, PLS-SEM often provides stronger estimates of the structural model [
32]. Based on this, SEM-PLS was used in this study to avoid inaccurate results in case assumptions are not met.
In addition, the model in this study refers to the moderation model proposed by Hayes [
33], namely Model 1 Simple moderation model. The researcher chose this model because Hayes' Model 1 is consistent with the research model to be carried out. This is supported by Hayes' explanation that this diagram depicts a process in which the influence of several focal antecedent variables X on Y is influenced by or dependent on W, as reflected by the arrow pointing from W to the line from X to Y.
Figure 1.
Simple Model Moderation (Hayes, 2018) [
68].
Figure 1.
Simple Model Moderation (Hayes, 2018) [
68].
4. Result
4.1 Respondent Characteristics
The total number of respondents collected in this study was 580 (
Table 1). It can be concluded that the majority of respondents were female, amounting to 298 (51.4%), and male, amounting to 130 (28.6%). As for the respondents' educational level in this study, it was dominated by those with a bachelor's degree, with 338 (58.3%) respondents, followed by 92 (15.9%) with a graduate degree, 82 (14.1%) with a diploma, and 68 (11.7%) with a high school education.
Table 2 also indicates that the majority of respondents' occupations were police officers, specifically those within the jurisdiction of the East Java Regional Police, with 221 (38.1%) respondents, followed by those working in hospitals with 186 (32.1%) respondents, and those with a background in state insurance companies with 173 (29.8%) respondents. The category of system usage duration was divided into three, with < 6 months having 125 (21.6%) respondents, 6 months - 1 year having 125 (21.6%) respondents, and > 1 year having 330 (56.9%) respondents.
4.2. Measurement Model Evaluation
In this study, measurement model and structural model analyses were conducted. To test the measurement and structural models, Smart PLS software was used as the analytical tool. Convergent validity is the extent to which a construct converges to explain its indicator variance. The metric used to evaluate the convergent validity of a construct is the average variance extracted (AVE) for all indicators of each construct. AVE is defined as the average of the squared loadings of the indicators related to a construct (i.e., sum of squared loadings divided by the number of indicators). Therefore, AVE is equivalent to the communality of a construct. The minimum acceptable AVE is 0.50 – an AVE of 0.50 or higher indicates that the construct explains 50 percent or more of the variance of the indicators that form the construct [
34].
However, for indicators with loadings between 0.40 and 0.70, it is recommended to analyze the impact of removing these indicators on AVE and composite reliability. Indicators with loadings between 0.40 and 0.70 can be removed if they can increase AVE and composite reliability above their thresholds. The threshold for composite reliability is 0.7. Another consideration in removing indicators is their impact on the content validity of the construct. Indicators with low loadings are sometimes retained because they contribute to the content validity of the construct.
Table 2 presents the results of the validity testing based on the loading factor and AVE, as well as the Cronbach's Alpha and composite reliability results.
Based on the table above, it can be seen that all loading values are > 0.7, which means they have met the validity requirements based on loading values. Furthermore, in the validity testing based on average variance extracted (AVE), it is known that all AVE values are > 0.5, which means they have met the validity requirements based on AVE. In the reliability testing, two methods were used: Cronbach's Alpha reliability test and composite reliability test. In the Cronbach's Alpha reliability test, it is known that all CA values are > 0.7, which means they have met the reliability requirements based on Cronbach's alpha. Furthermore, in the composite reliability test, it is known that all CR values are > 0.7, which means they have met the reliability requirements based on CR.
4.3 Structural Model Evaluation
In the subsequent stage following the acquisition of a valid and reliable assessment of the outer model, the next step is to evaluate the significance of the inner path structure model. According to Hair in 2011, the structural model elucidates the relationship between latent constructs in the study [
32]. The hypothesized structural relationships include the acceptance model, planned behaviour, use of technology, 21st century digital skill, and behavioural intention, as shown in
Figure 2. Significance testing of the path coefficients in this study was conducted by using the path coefficients of the structural model and performing bootstrap analysis, as shown in Table 4.
Table 3.
The Direct Relationships of The Structural Model
Table 3.
The Direct Relationships of The Structural Model
Hypothesis Path |
Estimate |
t-statistic |
p-value |
Result |
H1. Acceptance model → behavioral intention
|
0.132 |
2.535 |
0.006 |
Accepted |
H2. Planned behavior → behavioral intention
|
0.252 |
5.648 |
0.000 |
Accepted |
H3. Use of technology → behavioral intention
|
0.348 |
5.594 |
0.000 |
Accepted |
H4. Acceptance model * 21st century digital skill → behavioral intention
|
0.087 |
2.046 |
0.021 |
Accepted |
H5. Planned behavior * 21st century digital → behavioral intention
|
-0.153 |
3.980 |
0.000 |
Accepted |
H6. Use of technology * 21st century digital skill → behavioral intention
|
0.117 |
2.338 |
0.010 |
Accepted |
The research findings reveal that the acceptance model has a positive and significant effect on behavioral intention, with a coefficient value of 0.132 and a p-value of 0.006<0.05. Therefore, hypothesis 1 is accepted. The subsequent finding indicates that planned behavior has a positive and significant effect on behavioral intention, with a coefficient value of 0.252 and a p-value of 0.000<0.05, thus hypothesis 2 is accepted. Moreover, the variable use of technology is found to have a positive and significant effect on behavioral intention, with a coefficient value of 0.348 and a p-value of 0.000<0.05. This result suggests that hypothesis 3 is accepted. Additionally, the subsequent research finding reveals that 21st century digital skill significantly moderates the effect of acceptance model on behavioral intention, with a p-value of 0.021<0.05, and thus hypothesis 4 is accepted. Furthermore, it is found that 21st century digital skill significantly moderates the effect of planned behavior on behavioral intention, with a p-value of 0.000<0.05, and therefore hypothesis 5 is accepted. Finally, the research finding shows that 21st century digital skill significantly moderates the effect of use of technology on behavioral intention, with a p-value of 0.010<0.05, and hence hypothesis 6 is accepted.
5. Discussion
Research by Nurabadi et al in 2022 found in their research that the utilization of information technology can determine the success of development and enhance the intelligence of a nation, as well as expedite the process of renewal [
35]. The aim of this investigation is to bridge the gap in technology utilization, particularly in the traffic accident claim system, by analyzing the factors that affect the behavioral intention of its users in Indonesia, including social interactive technology, concealed smartphone use, and response behavior towards drivers. The research findings revealed that the acceptance model has a positive and significant impact on behavioral intention, which is consistent with earlier empirical studies by Masrizal et al in 2021 [
31], Darmasyah et al in 2021 [
18], and Park [
47], which confirm the TAM's effectiveness as a theoretical model in comprehending and describing behavioral intention towards technology-based systems.
Moreover, the study findings indicated that planned behavior has a positive and significant effect on behavioral intention, which is in line with the previous research conducted by Luarn and Lin in 2004 [
36], Darmasyah et al in 2021 [
18], and Masrizal et al in 2021 [
31], which also revealed that planned behavior's dimensions predict the individual's intention to use an information and communication technology system. These studies have also emphasized that attitude towards the behavior (ATB), the subjective norm (SN), and perceived behavioral control (PBC) are critical determinants of an individual's behavioral intention to use technology [
37]. The research findings further revealed that the use of technology has a positive and significant effect on behavioral intention, which is supported by prior studies conducted by Baptista and Oliveira in 2015 [
38], Glavee-Geo et al in 2017 [
39], Zhang et al in 2018 [
40], and Darmasyah et al in 2021 [
18], indicating that the technology used in these studies is mobile banking.
Although the moderating variable 21st century digital skill's role has not been previously explored, Rahimi and Tafazoli in 2022 discovered that the 21st century digital skill's dimensions have a positive influence on behavioral intention and actual behavior to use information and communication technology, referring to the theory of planned behavior (TPB) [
41]. These findings also support this study's results, which discovered that 21st century digital skill has a moderation effect on the impact of the acceptance model, planned behavior, and use of technology on behavioral intention.
6. Conclusion
The purpose of this study is to fill the gap by analyzing the factors that influence behavioral intention in using the traffic accident claim system, including social interactive technology, concealed smartphone use, and responding behavior. Four hypotheses were tested using the SEM-PLS approach. Based on the results, all hypotheses were supported. This indicates that technology acceptance, planned behavior, and technology use have a positive and significant relationship with individual behavioral intention in using the traffic accident claim system. Furthermore, it was also found that 21st-century digital skills moderate the influence of technology acceptance, planned behavior, and technology use on individual behavioral intention in using the traffic accident claim system. This finding is supported by previous studies conducted by Darmasyah et al in 2021 [
18] and Masrizal et al in 2021 [
42] which also show that technology acceptance, planned behavior, and technology use affect individual behavioral intention in using technology.
Furthermore, research conducted by Suhariadi, Mardiyanta, Nurabadi, Triwiyanto, and Adha in 2022 explains that in the utilization of technology, maintaining good relations among stakeholders and building public trust is paramount [
35]. Distributing leadership responsibilities to team members and establishing clear and regular communication channels are also essential, ensuring the smooth operation of technology utilization. Consistent with these findings, it can be concluded that the traffic accident claim system can be effectively utilized if stakeholders can establish public trust and foster good cooperation among each other.
In this study, the variable of technology use has a strong influence on individual behavioral intention in using the traffic accident claim system. This means that using the traffic accident claim system technology is part of daily activities for users of the traffic accident claim system. Asmy et al in 2019 revealed that social influence has a strong correlation with individual intention in Pakistan on the acceptance of mobile banking, indicating that in Indonesia and Pakistan, as developing countries, the social environment such as family, friendship, and community leaders plays a crucial role in influencing individual perspectives [
43].
Based on previous discussions, through the results of this study, users must have good acceptance of new technology developments aimed at reducing the disturbance experienced while driving in traffic. With acceptance and understanding of the traffic accident claim system, behavioral intention in using the claim system will increase [
44], thus reducing the financial losses of drivers involved in traffic accidents. The claim system also plays a role in facilitating risk transfer and promoting high safety standards in the worst situations that can result in injury, death, and soaring costs [
45].
The managerial contribution of this study, from the perspective of consumers/drivers, is that drivers must understand and accept the importance of using the claim system in reducing the risk of traffic accidents [
21]. Seeing the increasing mobility of society and along with rapid technological development. From the perspective of service providers, they can develop technology that refers to the traffic accident claim system as one effective solution to be dedicated to reducing the workload of traffic operators, such as visual, manual, and cognitive demands, and have the benefit of improving safety [
1]. In addition, in the development process, they can also refer to the elements of the 21st Century Digital Skill, namely information and data literacy, communication and collaboration, digital content creation, safety and security, problem-solving, and analyzing and reflecting, to produce services that are suitable for user needs and increase user interest in using the claim system. Organizations that successfully adopt and implement IT processes can achieve significant performance improvements [
46].
The results of this study also provide a contribution, especially to literature related to Antecedent Factors Behavioral Intentions to Use Traffic Accident Claim System. This study also contributes to literacy related to the implementation of the Theory of Planned Behavior (TPB), Theory of Acceptance Model (TAM), and Use of Technology, along with dimensions and indicators in these theories. The concepts and variables in this study have been proven to be valid and have a significant positive relationship through the structural equation modeling-partial least squares (SEM-PLS) testing method. However, with the positive results provided, this study also has limitations, namely that the focus of this study is only based on the perspective of operators and service providers or.
Author Contributions
ABS and IFA were instrumental in conceptualizing the research idea and drafting the manuscript. Supervisory guidance for the study was provided by FEN, SWJ, and DWH. The literature review was collaboratively undertaken by ECD and IKH, while FEN and TEO was responsible for developing the research methodology. The interpretation of data was carried out by IFA and ANA. Each author contributed to the critical reading and approval of the final manuscript. Furthermore, all authors have concurred with and endorsed the published version of the manuscript.
Funding
The research team conveys their profound gratitude to the Bureau of Personnel Control of the Indonesian National Police and the Eka Tjipta Foundation for providing the research funding under grant number: 027/ETF.EDU/POL/IV/2021.
Data Availability Statement
The data pertaining to this study can be made accessible upon request.
Acknowledgments
The authors extend their profound gratitude to the Kepolisian Republik Indonesia (POLRI) and Surabaya City Government for their invaluable support and cooperation, which significantly contributed to the success of this research. Additionally, sincere appreciation is also directed towards the Sekolah Pascasarjana of Universitas Airlangga and for their academic guidance and resources that were instrumental in the completion of this study.
Conflicts of Interest
The authors affirm that there are no conflicts of interest associated with this research.
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