Article
https://doi.org/10.52710/mjble.930
Digital Transformation and Decision Optimization in Life Insurance: A Bibliometric Analysis of Cognitive Load Reduction, Customer Decision Quality, and Emerging Research Trends
The rapid advancement of digital technologies is reshaping the life insurance sector by transforming traditional decision-making processes into intelligent, data-driven, and customer-centric systems. This study aims to map the global research landscape on digital transformation and decision optimization in life insurance by examining the intellectual structure, thematic evolution, and emerging research trends. A bibliometric analysis was conducted using 249 Scopus-indexed publications retrieved between 2005 and 2026 and analysed through R Studio using the Bibliometrix package and Biblioshiny interface. The study applied performance analysis, keyword co-occurrence analysis, citation analysis, thematic mapping, and collaboration network analysis to evaluate the development of this research domain. The findings reveal a substantial growth in scholarly interest, with artificial intelligence, machine learning, big data analytics, decision-support systems, and digital platforms emerging as dominant research themes. Machine learning and artificial intelligence were identified as major motor themes, reflecting the increasing importance of predictive analytics and automated decision mechanisms in insurance applications. The analysis further highlights the growing relevance of customer-oriented digital solutions and decision optimization strategies aimed at reducing information complexity and improving decision quality. However, the integration of cognitive perspectives, particularly cognitive load reduction, remains comparatively underdeveloped, indicating an important future research direction. This study contributes to the literature by providing a comprehensive overview of digital transformation research in life insurance and proposing future pathways focused on explainable artificial intelligence, human-centered digital insurance systems, and responsible technology adoption.