Factors and issues affecting electronic insurance adoption in an emerging market

This study examines the factors and issues affecting the adoption of electronic insurance (EI) in the Jordanian insurance sector. The methodology of the study is based on convenience sampling, thus, the sample consists of 175 respondents familiar with E-services, with different backgrounds, professions, businesses, income groups, sectors, and regions. Questionnaires were distributed and disseminated electronically using SurveyMonkey. The study employs both descriptive and ANOVA analyses to analyze the responses. The results show that EI promotes sustainability, reduces costs, saves time and holds some operational benefits beneath. The ANOVA results show that the impact of income and age on sustainability, cost-effectiveness, and operational benefits is significant at least at the 5% significance level. Respondents are also aware that EI may involve issues and challenges related to security and privacy, customer-related issues such as lack of knowledge about repositories, and insurer-related issues such as data shifting. The ANOVA results indicate that gender affects customers’ perceptions of EI adoption regarding customer-related issues; its effect is significant at the 5% level of significance. On the other hand, age and income level are important factors that shape respondents’ perceptions of EI in Jordan. Age is only significant for security-related issues, and income level is a deciding factor in insurer-related issues; their effect is strong and highly significant at the 5% and 1% levels, respectively

Middle East - North Africa and the millennium development goals : implications for German development cooperation

          Closed-loop controlled combustion is a promising technique to improve the overall performance of internal combustion engines and Diesel engines in particular. In order for this technique to be implemented some form of feedback from the combustion process is required. The feedback signal is processed and from it combustionrelated parameters are computed. These parameters are then fed to a control process which drives a series of outputs (e.g. injection timing in Diesel engines) to control their values. This paper’s focus lies on the processing and computation that is needed on the feedback signal before this is ready to be fed to the control process as well as on the electronics necessary to support it. A number of feedback alternatives are briefly discussed and for one of them, the in-cylinder pressure sensor, the CA50 (crank angle in which the integrated heat release curve reaches its 50% value) and the IMEP (Indicated Mean Effective Pressure) are identified as two potential control variables. The hardware architecture of a system capable of calculating both of them on-line is proposed and necessary feasibility size and speed considerations are made by implementing critical blocks in VHDL targeting a flash-based Actel ProASIC3 automotive-grade FPGA