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

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

Lignocellulosic-Based Activated Carbon-Loaded Silver Nanoparticles and Chitosan for Efficient Removal of Cadmium and Optimization Using Response Surface Methodology

The cadmium-contaminated water body is a worldwide concern for the environment and toxic to human beings and the removal of cadmium ions from drinking and groundwater sustainably and cost-effectively is important. A novel nano-biocomposite was obtained by impregnating silver nanoparticles (AgNPs) within kenaf-based activated carbon (KAC) in the presence of chitosan matrix (CS) by a simple, facile photoirradiation method. The nano-biocomposite (CS-KAC-Ag) was characterized by an environmental scanning electron microscope equipped with energy dispersive X-ray spectroscopy (ESEM-EDX), Fourier-transform infrared spectroscopy (FTIR), and Brunauer–Emmett–Teller (BET) method. A Box–Behnken design of response surface methodology (RSM) was used to optimize the adsorption of Cd2+. It was found that 95.1% of Cd2+ (10 mg L−1) was eliminated at pH 9, contact time of 120 min, and adsorbent dosage of 20 mg, respectively. The adsorption of Cd2+ by CS-KAC-Ag is also in agreement with the pseudo-second-order kinetic model with an R2 (coefficient of determination) factor greater than 99%. The lab data were also corroborated by tests conducted using water samples collected from mining sites in Mexico. Along with Cd2+, the CS-KAC-Ag exhibited superior removal efficiency towards Cr6+ (91.7%) > Ni2+ (84.4%) > Co2+ (80.5%) at pH 6.5 and 0.2 g L−1 dose of the nano-adsorbent. Moreover, the adsorbent was regenerated, and the adsorption capacity remained unaltered after five successive cycles. The results showed that synthesized CS-KAC-Ag was a biocompatible and versatile porous filtering material for the decontamination of different toxic metal ions