Analysis of influencing factors of long-term care insurance system adoption intention based on UTAUT, technology readiness as the moderator

This study investigates the determinants of Long-Term Care Insurance (LTCI) adoption intention using the Unified Theory of Acceptance and Use of Technology (UTAUT), with Technology Readiness (TR) as a moderating variable. A quantitative approach was applied, utilizing self-administered questionnaires from 180 participants across health service institutions in Guangxi Province, China. Data were measured on a seven-point Likert scale and analyzed using Structural Equation Modeling (SEM) via SmartPLS. Results confirm that performance expectancy, effort expectancy, social influence, and facilitating conditions significantly influence LTCI adoption intention. Additionally, TR moderates these relationships, strengthening their effects. The findings underscore TR's critical role in enhancing LTCI adoption and offer practical insights for policymakers and practitioners seeking to promote LTCI uptake.