Background: Dajia Insurance Group, a limited liability company, recognizes the need for digital transformation to remain relevant and competitive in the changing insurance industry. To be competitive and relevant, businesses including insurance organizations are adopting digital due to rapid technological developments and changing consumer preferences but Dajia Insurance has unique challenges in the insurance industry and its operations. Purpose: The analysis begins with the key challenges Dajia Insurance faced during its digital transformation journey, including outdated legacy systems and processes, cultural resistance, and talent acquisition. These challenges reveal severe corporate constraints does not embrace digital technologies well. Dajia Insurance’s approach to digitization is constrained by external factors including regulatory compliance and market realities. Achieving digital success requires a complex combination of technology, people and processes. This brief focuses on the consumer perspective and outlines ways to increase digital connectivity, streamline operations and personalize the provision of insurance. Method: The data was collected from the 200 different senior executives, employees across departments, customers, and external partners within Dajia Insurance Group Limited Liability Company (Dajia Insurance) ensuring a representative sample that captures the diversity of the city’s workforce through smart PLS software was used to analyze the data. Findings: This study highlights the importance of collaboration and knowledge sharing within firms and throughout the technological ecosystem. Dajia insurance can benefit from strategic partnerships with educational institutions and industry bodies, acquire new knowledge and stay abreast of industry trends and developments. Originality/implications: This summary presents the digital transformation process with the unique challenges and capabilities of Dajia Insurance Group’s limited liability company. Dajia Insurance aims to be at the forefront of digital insurance by implementing digital initiatives, overcoming barriers and developing an innovative culture.

Digital literacy plays a very important role for a developing innovative economy, since one of the global trends significantly affecting the dynamics of open innovation is strengthening of the influence of digital technologies on all spheres of society. This paper seeks to study the impact of digital infrastructure on digital literacy of school-age young people, which starts and develops both at school and/or at home. This paper uses a balanced panel of statistical data that includes 18 regions of Kazakhstan surveyed for the period between 2016 and 2022 on four indicators: the level of digital literacy in Kazakhstan, the share of households with Internet access, the share of Internet users aged 6-15, and the number of students per PC in public schools. Methods of correlation, variance, and structural model analysis proposed hereby consist of successive stages and include five hypotheses for verification. The results have shown that (a) the literature has not accumulated a unified methodology for assessing digital literacy yet; (b) digital infrastructure in Kazakhstan’s public schools has been found to have a negligible impact on formation of digital literacy, as well as on the increase in the number of school-age Internet users; (c) the number of young school-age Internet users have been found to have a positive effect on formation of digital literacy in Kazakhstan; (d) access to the Internet at home has been found to have a significant stable impact on digital literacy in Kazakhstan and an increase in the share of young school-age Internet users. This paper is intended for decision makers, researchers, education and open innovation experts interested in opportunities for the development of citizens’ digital skills and competencies and the implementation of an open innovation economy strategy.