Millennials Acceptance of Insurance Telematics: An Integrative Empirical Study

Insurance telematics is a recent technology-enabled service innovation advanced by insurance companies and adopted by millions of drivers worldwide. This research study explores the insurance telematics technology acceptance and use among the new Millennials generation, which represents both a challenge and an opportunity for insurers. Drawing on the Technology Acceptance Model (TAM) and the Theory of Planned Behaviour (TPB), the study uses data from 138 Millennials in the USA to delve into their perceived attitudinal behavior and intention to use insurance telematics. The findings provide empirical confirmation of the integrative and predictive power of the proposed combined theoretical framework (TAM-TPB) to explain insurance telematics adoption and use. The results also suggest a sophistication-level shift in Millennials preferences from functionality evaluation to applicability value sought through the adoption and use. And the findings ascertain the role of perceived enjoyment, trust, and social media as critical factors influencing Millennials attitudinal behavior and intention to use insurance telematics. Considering these results, the authors further discuss implications for scholars and practitioners, and suggest future research directions

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Exploring Post-Adoption Behavior of the UPI users with Cognitive and Affective Factors

The National Payments Corporation of India (NPCI) has invested a sizable amount of money in the country's massive payment infrastructure in an effort to enhance the user experience. However, in order for investments to be profitable, NPCI must guarantee the ongoing use of technological solutions and post-adoptive behaviors like continuance and recommendation intention. The impact of cognitive factors (i.e. Performance expectancy, effort expectancy, social influences, facilitating conditions; personal innovativeness) and affective factors (such as satisfaction) on conative factors (such as continuation and recommendation intention) in the perspective of UPI applications (apps) was investigated using the UTAUT model. Partial Least Square Structural Equation Modeling when applied on 651 users (PLS-SEM) showed that satisfaction had a direct impact on continuation intentions, which in turn had an impact on recommendations intentions. It was discovered that all cognitive factors, including performance expectations, effort expectations, and facilitating conditions, have an impact on satisfaction. According to the study, adding a significant individual difference variable—personal innovativeness with regard to information technology—would aid in our understanding of the role that these factors play in the development of continuous intention. It further examines the influence of trust and security, and the pace of innovation on continued intentions. Through the mediating function  of user satisfaction, it also looked at the impact of performance expectancy, effort expectancy, social influence, facilitating variable, and personal innovativeness on the continuance intentions of the UPI system. All factors have been shown to be significant. Future researchers will find it extremely helpful that the study used a validated instrument to better understand user adherence and referral intentions. Therefore, this study adds to the limited body of knowledge in the payment industry literature by examining how users perceive UPI apps and post-adoption behaviors

Mobile clinical decision support systems and applications: a literature and commercial review

The final publication is available at Springer via http://dx.doi.org/10.1007/s10916-013-0004-y[EN] Background: The latest advances in eHealth and mHealth have propitiated the rapidly creation and expansion of mobile applications for health care. One of these types of applications are the clinical decision support systems, which nowadays are being implemented in mobile apps to facilitate the access to health care professionals in their daily clinical decisions. Objective: The aim of this paper is twofold. Firstly, to make a review of the current systems available in the literature and in commercial stores. Secondly, to analyze a sample of applications in order to obtain some conclusions and recommendations. Methods: Two reviews have been done: a literature review on Scopus, IEEE Xplore, Web of Knowledge and PubMed and a commercial review on Google play and the App Store. Five applications from each review have been selected to develop an in-depth analysis and to obtain more information about the mobile clinical decision support systems. Results: 92 relevant papers and 192 commercial apps were found. 44 papers were focused only on mobile clinical decision support systems. 171 apps were available on Google play and 21 on the App Store. The apps are designed for general medicine and 37 different specialties, with some features common in all of them despite of the different medical fields objective. Conclusions: The number of mobile clinical decision support applications and their inclusion in clinical practices has risen in the last years. However, developers must be careful with their interface or the easiness of use, which can impoverish the experience of the users.This research has been partially supported by Ministerio de Economía y Competitividad, Spain. This research has been partially supported by the ICT-248765 EU-FP7 Project. This research has been partially supported by the IPT-2011-1126-900000 project under the INNPACTO 2011 program, Ministerio de Ciencia e Innovación.Martínez Pérez, B.; De La Torre Diez, I.; López Coronado, M.; Sainz De Abajo, B.; Robles Viejo, M.; García Gómez, JM. (2014). Mobile clinical decision support systems and applications: a literature and commercial review. Journal of Medical Systems. 38(1):1-10. https://doi.org/10.1007/s10916-013-0004-yS110381Van De Belt, T. H., Engelen, L. J., Berben, S. A., and Schoonhoven, L., Definition of Health 2.0 and Medicine 2.0: A systematic review. J Med Internet Res 2010:12(2), 2012.Oh, H., Rizo, C., Enkin, M., and Jadad, A., What is eHealth (3): A systematic review of published definitions. J Med Internet Res 7(1):1, 2005. PMID: 15829471.World Health Organization (2011) mHealth: New horizons for health through mobile technologies: Based on the findings of the second global survey on eHealth (Global Observatory for eHealth Series, Volume 3). 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Matern Child Health J 16(5):1092–1101, 2012.Martínez-Pérez, B., de la Torre-Díez, I., López-Coronado, M., and Herreros-González, J., Mobile Apps in Cardiology: Review. JMIR Mhealth Uhealth 1(2):e15, 2013.de Wit HA, Mestres Gonzalvo C, Hurkens KP, Mulder WJ, Janknegt R, et al., Development of a computer system to support medication reviews in nursing homes. Int J Clin Pharm. 26, 2013.Dahlström, O., Thyberg, I., Hass, U., Skogh, T., and Timpka, T., Designing a decision support system for existing clinical organizational structures: Considerations from a rheumatology clinic. J Med Syst 30(5):325–31, 2006.Lambin P, Roelofs E, Reymen B, Velazquez ER, Buijsen J, et al., ‘Rapid learning health care in oncology’ - An approach towards decision support systems enabling customised radiotherapy’. Radiother Oncol. 27, 2013.Graham, T. A., Bullard, M. J., Kushniruk, A. W., Holroyd, B. R., and Rowe, B. H., Assessing the sensibility of two clinical decision support systems. J Med Syst 32(5):361–8, 2008.Martínez-Pérez, B., de la Torre-Díez, I., and López-Coronado, M., Mobile health applications for the most prevalent conditions by the World Health Organization: Review and analysis. J Med Internet Res 15(6):e120, 2013.Savel, T. G., Lee, B. A., Ledbetter, G., Brown, S., LaValley, D., et al., PTT advisor: A CDC-supported initiative to develop a mobile clinical laboratory decision support application for the iOS platform. Online J Public Health Inform 5(2):215, 2013.Doctor Doctor Inc. (2009) iDoc. iTunes. https://itunes.apple.com/es/app/idoc/id328354734?mt=8 . Accessed 13 September 2013.Hardyman, W., Bullock, A., Brown, A., Carter-Ingram, S., and Stacey, M., Mobile technology supporting trainee doctors’ workplace learning and patient care: An evaluation. BMC Med Educ 13:6, 2013.Lee, N. J., Chen, E. S., Currie, L. M., Donovan, M., Hall, E. K., et al., The effect of a mobile clinical decision support system on the diagnosis of obesity and overweight in acute and primary care encounters. ANS Adv Nurs Sci 32(3):211–21, 2009.Divall, P., Camosso-Stefinovic, J., and Baker, R., The use of personal digital assistants in clinical decision making by health care professionals: A systematic review. Health Informatics J 19(1):16–28, 2013.Chignell, M, and Yesha, Y, Lo, J., New methods for clinical decision support in hospitals. In Proceedings of the 2010 Conference of the Center for Advanced Studies on Collaborative Research (CASCON’10). Toronto, ON; Canada, 2010Charani, E., Kyratsis, Y., Lawson, W., Wickens, H., Brannigan, E. T., et al., An analysis of the development and implementation of a smartphone application for the delivery of antimicrobial prescribing policy: Lessons learnt. J Antimicrob Chemother 68(4):960–7, 2013.Klucken, J., Barth, J., Kugler, P., Schlachetzki, J., Henze, T., et al., Unbiased and mobile gait analysis detects motor impairment in Parkinson’s disease. PLoS One 8(2):e56956, 2013.Hervás, R., Fontecha, J., Ausín, D., Castanedo, F., Bravo, J., et al., Mobile monitoring and reasoning methods to prevent cardiovascular diseases. Sensors (Basel) 13(5):6524–41, 2013.Di Noia, T., Ostuni, V. C., Pesce, F., Binetti, G., Naso, N., et al., An end stage kidney disease predictor based on an artificial neural networks ensemble. Expert Syst Appl 40(11):4438–4445, 2013.Velikova, M., van Scheltinga, J. T., Lucas, P. J. F., and Spaanderman, M., Exploiting causal functional relationships in Bayesian network modelling for personalised healthcare. Int J Approx Reason, 2013. doi: 10.1016/j.ijar.2013.03.016 .Medical Data Solutions (2012) Pediatric clinical pathways. Google play. https://play.google.com/store/apps/details?id=com.ipathways . Accessed 17 September 2013.QxMD Medical Software Inc. (2013) Calculate by QxMD. Google play. https://play.google.com/store/apps/details?id=com.qxmd.calculate . Accessed 17 September 2013.Skyscape (2012) ACC pocket guides. Google play. https://play.google.com/store/apps/details?id=com.skyscape.packagefiveepkthreeundata.android.voucher.ui . Accessed 17 September 2013.Skyscape (2013) Skyscape medical resources. Google play. https://play.google.com/store/apps/details?id=com.skyscape.android.ui&hl=en . Accessed 17 September 2013.Pieter Kubben, M.D., (2012) NeuroMind. Google play. https://play.google.com/store/apps/details?id=eu.dign.NeuroMind . Accessed 17 September 2013.Mobile Systems, Inc. (2013) 2013 Medical diagnosis TR. Google play. https://play.google.com/store/apps/details?id=com.mobisystems.msdict.embedded.wireless.mcgrawhill.cmdt2013 . 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Semantic privacy-preserving framework for electronic health record linkage

The combination of digitized health information and web-based technologies offers many possibilities for data analysis and business intelligence. In the healthcare and biomedical research domain, applications depending on electronic health records (EHRs) identify privacy preservation as a major concern. Existing solutions cannot always satisfy the evolving research demands such as linking patient records across organizational boundaries due to the potential for patient re-identification. In this work, we show how semantic methods can be applied to support the formulation and enforcement of access control policy whilst ensuring that privacy leakage can be detected and prevented. The work is illustrated through a case study associated with the Australasian Diabetes Data Network (ADDN – www.addn.org.au), the national paediatric type-1 diabetes data registry, and the Australian Urban Research Infrastructure Network (AURIN – www.aurin.org.au) platform that supports Australia-wide access to urban and built environment data sets. We demonstrate that through extending the eXtensible Access Control Markup Language (XACML) with semantic capabilities, finer-grained access control encompassing data risk disclosure mechanisms can be supported. We discuss the contributions that can be made using this approach to socio-economic development and political management within business systems, and especially those situations where secure data access and data linkage is required

Modern Information Systems

The development of modern information systems is a demanding task. New technologies and tools are designed, implemented and presented in the market on a daily bases. User needs change dramatically fast and the IT industry copes to reach the level of efficiency and adaptability for its systems in order to be competitive and up-to-date. Thus, the realization of modern information systems with great characteristics and functionalities implemented for specific areas of interest is a fact of our modern and demanding digital society and this is the main scope of this book. Therefore, this book aims to present a number of innovative and recently developed information systems. It is titled "Modern Information Systems" and includes 8 chapters. This book may assist researchers on studying the innovative functions of modern systems in various areas like health, telematics, knowledge management, etc. It can also assist young students in capturing the new research tendencies of the information systems' development

Factors Affecting SMEs' Intention to Adopt a Mobile Travel Application based on the Unified Theory of Acceptance and Use of Technology (UTAUT-2)

This study is part of a government research project which aims to synthesise the current evidence on the factors affecting the intention of mobile application adoption called ‘Tripper Notifier Application’ (TNA) for the hospitality and tourism industrial sector in Thailand. The focus is on small and medium enterprises (SMEs), which emphasize restaurants, hotels, and attraction sites. The present article examines various factors influencing the intention to use such applications by employing the Unified Theory of Acceptance and Use of Technology 2 (UTAUT-2) as the theoretical underpinning of this research paradigm. Using 84 selected research papers in Scopus published between 2020 and 2022, A thematic analysis incorporating a grounded theory approach to systematically generate themes was conducted, and the findings found three main themes, including business transformation capabilities (BTC), digital transformation capabilities (DTC), and personal innovativeness (PI), as an extension of UTAUT-2 as mediator and moderator variables. To this end, the study fills the research gaps and extends the UTAUT-2 framework by including an initiative of twelve inside attributes-based lines, including performance expectancy, effort expectancy, social influence, facilitating conditions, hedonic motivation, price value, habit behavior, behavioral intention, and use behavior, together with three moderators: age, gender, and experience. Finally, the context dimensions of the UTAUT-2 extensions were mapped to highlight all the constructs of the TNA adoption framework for future research directions. The novel contribution of this study is to fill the gap with both theoretical and practical knowledge. On the theoretical level, this study constitutes constructs based on UTAUT-2 theory as a research-based setting to fill a gap in research. On the practical level, it provides insights and information about new capabilities that SME owners, managers, and practitioners should consider in order to differentiate their own capabilities. Doi: 10.28991/esj-2021-SP1-014 Full Text: PD

Explicating Consumer Adoption Of Wearable Technologies: A Case Of Smartwatches From The Asean Perspective

This research aims to determine the key antecedent factors in consumers\u27 adoption of and their intention to recommend smartwatch wearable technology. The proposed research model combines the current technology acceptance and innovation diffusion theories with perceived aesthetic and perceived privacy risk to explain individuals\u27 smartwatch adoption and subsequent recommendation to other people. Based on a sample of 299 completed individual online surveys, the research employed partial least squares (a variance-based analysis method) for the model and hypotheses testing. The results showed some similarities as well as differences from the previous literature. The study found that performance expectancy, habit, and perceived aesthetic were the main predictors of smartwatch adoption. Compatibility was the antecedent factor of performance expectancy, and innovativeness directly influenced user adoption and effort expectancy. Consequently, user smartwatch adoption usually led to recommendation

Millennials Acceptance of Insurance Telematics: An Integrative Empirical Study

Insurance telematics is a recent technology-enabled service innovation advanced by insurance companies and adopted by millions of drivers worldwide. This research study explores the insurance telematics technology acceptance and use among the new Millennials generation, which represents both a challenge and an opportunity for insurers. Drawing on the Technology Acceptance Model (TAM) and the Theory of Planned Behaviour (TPB), the study uses data from 138 Millennials in the USA to delve into their perceived attitudinal behavior and intention to use insurance telematics. The findings provide empirical confirmation of the integrative and predictive power of the proposed combined theoretical framework (TAM-TPB) to explain insurance telematics adoption and use. The results also suggest a sophistication-level shift in Millennials preferences from functionality evaluation to applicability value sought through the adoption and use. And the findings ascertain the role of perceived enjoyment, trust, and social media as critical factors influencing Millennials attitudinal behavior and intention to use insurance telematics. Considering these results, the authors further discuss implications for scholars and practitioners, and suggest future research directions