Smartphone based usage based insurance implementation feasibility in Saudi Arabia insurance market: A mixed methods assessment of technological readiness and stakeholder perceptions

This study evaluates the feasibility of implementing smartphone-based Usage-Based Insurance (UBI) in Saudi Arabia's insurance market through sequential explanatory mixed-methods research combining surveys and expert interviews. Data was collected from 503 public respondents via structured survey (35 Likert-scale items across 8 constructs), 93 industry specialists via expert survey (40 items across 8 constructs), and 15 senior professionals via semi-structured interviews. Public survey results revealed that 93% of respondents possess automobile insurance, with moderate-to-positive UBI perceptions across constructs (means 3.54-4.02 on 5-point scales). Statistical analysis demonstrated significant negative association between privacy concerns and behavioral intention (χ 2 (4)=23.67, p