Opportunities for Reducing Expenses through Digital Innovation: The Case of an Insurance Company

Operational inefficiencies not only affect the quality of a company\u27s offerings but also increase its overhead expenses. Insurance companies have some of the highest overhead costs, which often are transferred to customers as premiums for insurance products. While companies are adopting digital innovation to reduce expenses by optimizing their operational functions, not all companies are ready for the digital transformation journey, which risks their existence. The unreadiness exists despite evidence that digital innovation has many potential benefits to these companies. Nine participants from six business units, all with 133 employees, were interviewed for this study. This research uses a single, in-depth case study of an established insurance company to show how operational inefficiencies affect customers’ costs and how using digital innovation can reduce these expenses. The findings reveal that the insurer is still reliant on pre-digital methods to conduct business. This research amplifies the importance of adopting digital technologies, such as Artificial intelligence, Chatbot, Robotic Process Automation, Blockchain, and the Internet of Things into the insurance companies\u27 processes, leading to lower operational expenses and more affordable products and services for customers

eLearning adoption in Eastern and Southern African higher education institutions

Philosophiae Doctor - PhDThis research was undertaken to propose a model for eLearning adoption in Higher Education in Africa and to identify and empirically test measures to assess the model. The model identified eLearning, individual and organisational factors affecting eLearning adoption in higher education. eLearning factors were deemed to be aligned with the individual and organisational factors and therefore, the measurement of individual and organisational factors of eLearning adoption is essential in determining the current state, and future development that could enhance eLearning adoption in higher education. This study is a first attempt in Africa to define and present a conceptualization of an eLearning adoption framework. The framework is a combination of frameworks and models from various disciplines, including social psychology, information systems, anthropology, sociology, education, communication, marketing, management, geography, economics and cognitive psychology. These frameworks for eLearning adoption in Higher Education are synergised and contextualised in the study.South Afric

Public health laboratory systems development in East Africa through training in laboratory management and field epidemiology

Laboratories are integral to the delivery of quality health care and for public health functions; however laboratory systems and services are often neglected in resource-poor settings such as the East African region. In order to sustainably strengthen national laboratory systems in resource-poor countries, there is a need to train laboratory personnel to work in clinical as well as public health laboratories. In 2004,Kenya, Uganda, Tanzania, and South Sudan began training public health laboratory workers jointly with field epidemiologists in the Kenya Field Epidemiology and Laboratory Training Program (FELTP), and later through the Tanzania FELTP, as a strategy to strengthen public health laboratories. These programs train laboratory epidemiologists through a two-year public health leadership development course, and also offer various types of short course training for frontline staff. The FELTP laboratory graduates in Kenya, Tanzania, Uganda, and South Sudan are working in their respective countries to strengthen public health laboratory systems while the short course participants provide a pool of frontline implementers with the capacity to support the lower tiers of health systems, as well as serve as surge capacity for the regions and the national level. Through training competent public health laboratory workers, the East African ministries of health, in collaboration with other regional partners and stakeholders are now engaged in developing and implementing a holistic approach that will guarantee an overall strengthening of the health system by using well-trained public health laboratory leaders to drive the process. Strengthening public health laboratory medicine in East Africa is critical to improve health-care systems. The experience with the FELTP model in East Africa is a step in the right direction towards ensuring a stronger role for the laboratory in public health

A review of 40 years of enteric antimicrobial resistance research in Eastern Africa: what can be done better?

The emergence and persistence of antimicrobial resistance is driven by varied factors including the indiscriminate use of antibiotics and variable drug efficacy and presents a major threat to the control of infectious diseases. Despite the high burden of disease in sub-Saharan Africa and the potential health and economic consequences, the level of research on antimicrobial resistance in the region remains unknown. Little data exists to quantify the contribution of different factors to the current levels of antimicrobial resistance. To identify the factors that contribute most to the emergence, amplification, persistence and dissemination of antimicrobial resistance in humans and animals, we used the PRISMA 2009 guidelines to conduct a systematic review of studies on antibiotic-resistant enteric bacteria in Eastern Africa. We searched PubMed and Google Scholar databases and identified 2,155 probable articles, of which 89 studies on humans and 28 on animals remained after full-text review. These were articles from Kenya, Tanzania, Uganda, Ethiopia, Rwanda and Burundi, published between 1974 and 2013, that reported resistance in Salmonella, Shigella, Escherichia coli and Vibrio sp. The majority (98%) of human studies were based on hospital- (rather than community-wide) sampling and although they report high levels of antimicrobial resistance in the region, study design and methodological differences preclude conclusions about the magnitude and trends of antimicrobial resistance. To remedy this, we discuss and propose minimum reporting guidelines for the level of detail that should be explicitly provided for antimicrobial resistance study designs, testing of samples and reporting of results that would permit comparative inferences and enable meta-analyses. Further, we advocate for increased focus on community- rather than hospital-based sampling to provide a better indication of population-wide trends in antimicrobial resistance. This approach, together with the establishment of a robust regional surveillance network, should over time build a pool of evidence-based data useful for policy decisions and interventions aimed at controlling antimicrobial resistance. ELECTRONIC SUPPLEMENTARY MATERIAL: The online version of this article (doi:10.1186/s13756-014-0041-4) contains supplementary material, which is available to authorized users

Passiflora edulis seed oil methyl ester as a potential source of biodiesel

In recent years, there has been an increasing amount of literature on biodiesel as a feasible source of renewable energy. Compared to fossil energy, biodiesel is environmentally friendlier which makes it a viable option. This study set out with the aim of assessing the use of Passiflora edulis seed oil (purple passion fruit) obtained from an industrial fruit juice processing waste. The oil was evaluated as a good potential feedstock for production of biodiesel. In this study Passiflora edulis seed oil was transesterified using methanol and potassium hydroxide. A biodiesel yield of 80 % was obtained. The methyl ester had a viscosity of 4.60 mm2/s, acid value 0.45 mgKOH/g, density 0.89 g/ml, colour 1.60, water content 0.04 %, copper strip corrosion-No tarnish, and flash point > 150 0C. The fuel parameters measured were within range according to the American Society for Testing and Materials (ASTM) and International Standards Organization (ISO) standards. The current findings add substantially to our understanding of biodiesel and it sources. Keywords: Transesterification, Passiflora edulis seed oil, Methanol, Biodiesel, Methyl este

Catalytic Properties of Luminescent Tris-Homoleptic Cyclometalated Iridium(III) Complexes in the Oxidation of Morin in Visible Light

The photo-oxidation of Morin, 2′,3,4′,5,7-pentahydroxyflavone by six luminescent homoleptic tris-cyclometalated iridium(III) complexes was investigated with the aim of evaluating the catalytic properties of the complexes. The Iridium complexes were synthesized using 2-(1-naphthyl)-pyridine (npy) ligand and its derivatives such as npy-OMe, npy-CF3 and npy-Me to form Tris-homoleptic cyclometalated complexes; Ir(npy)3, Ir(npy-OMe)3, Ir(npy-CF3)3, Ir(npy-Me)3, Ir(Me-npy-Me)3, and Ir(Me-npy)3 with substitution at para position relative to nitrogen. The ligand substitution positions were found to influence the excited state lifetimes, where the complexes exhibited long lifetimes, τ, 1.4 – 3.6 μs, ensuring time for substrates to react before relaxation to ground state. All the six complexes displayed reversible or pseudo reversible redox processes with ground state oxidation potential range of 0.57 to 0.93V compared to Standard Calomel Electrode in CH2Cl2. The complexes degraded morin with rate constants kobs between 0.023-0.036 s -1 within a timescale of 12 minutes. The Ir(npy-Me)3 complex was found to have a high degradation with a rate constant of kobs = 0.036 s -1. Degradation reactions using all the six Iridium (III) complexes photoredox catalysts were found to follow first order kinetics and ca. 10-fold faster compared to similar oxidative reactions

High prevalence of <i>Rickettsia africae</i> variants in <i>Amblyomma variegatum</i> ticks from domestic mammals in rural western Kenya: implications for human health

Tick-borne spotted fever group (SFG) rickettsioses are emerging human diseases caused by obligate intracellular Gram-negative bacteria of the genus Rickettsia. Despite being important causes of systemic febrile illnesses in travelers returning from sub-Saharan Africa, little is known about the reservoir hosts of these pathogens. We conducted surveys for rickettsiae in domestic animals and ticks in a rural setting in western Kenya. Of the 100 serum specimens tested from each species of domestic ruminant 43% of goats, 23% of sheep, and 1% of cattle had immunoglobulin G (IgG) antibodies to the SFG rickettsiae. None of these sera were positive for IgG against typhus group rickettsiae. We detected Rickettsia africae–genotype DNA in 92.6% of adult Amblyomma variegatum ticks collected from domestic ruminants, but found no evidence of the pathogen in blood specimens from cattle, goats, or sheep. Sequencing of a subset of 21 rickettsia-positive ticks revealed R. africae variants in 95.2% (20/21) of ticks tested. Our findings show a high prevalence of R. africae variants in A. variegatum ticks in western Kenya, which may represent a low disease risk for humans. This may provide a possible explanation for the lack of African tick-bite fever cases among febrile patients in Kenya