Process Innovation with Disruptive Technology in Auto Insurance: Lessons Learned from a Smartphone-Based Insurance Telematics Initiative

Author(s):  
Jens Ohlsson ◽  
Peter Händel ◽  
Shengnan Han ◽  
Richard Welch
Author(s):  
Jackson Harare ◽  
Jacob Kashiwagi ◽  
Joseph Kashiwagi

This paper documents the history of the development of performance information [1982-2020], for the delivery of services. It identifies traditional industries as client controlled. In the past, clients utilized a structure of technical professionals who had education, certifications, and experience. Professionals set both policy and structure for their professionalism. The traditional industry does not differentiate between the values of vendors, professionals and stakeholders. This paper identifies that professionals are resistant to using performance information which differentiates. The initial proposal to successfully implement information management was to use automation. However, the industry resisted the automation and the research identified that simplicity and transparency was the only solution. This paper identifies that the Performance Based Studies Research Group’s (PBSRG) success in performance information development was due to a unique design and methodology to research performance information as a disruptive technology. A new methodology called the Information Measurement Theory (IMT) was designed to redefine risk, expertise and information. The major source of validation of the new concepts was joint academic and industry research tests. Three major research tests confirmed that the client creates over 90% of all risk. PBSRG worked with a manufacturing company to design a high-performance roofing program which ended after 16 years due to it being based on client centric concepts. An expert contractor took the lessons learned and maximized the use of performance information with a vendor centric approach.


2020 ◽  
Vol 25 (4) ◽  
pp. 1293-1304 ◽  
Author(s):  
Robert S. Janett ◽  
Peter Pano Yeracaris

Abstract Electronic medical records have been touted as a solution to many of the shortcomings of health care systems. The aim of this essay is to review pertinent literature and present examples and recommendations from several decades of experience in the use of medical records in primary health care, in ways that can help primary care doctors to organize their work processes to improve patient care. Considerable problems have been noted to result from a lack of interoperability and standardization of interfaces among these systems, impairing the effective collaboration and information exchange in the care of complex patients. It is extremely important that regional and national health policies be established to assure standardization and interoperability of systems. Lack of interoperability contributes to the fragmentation of the information environment. The electronic medical record (EMR) is a disruptive technology that can revolutionize the way we care for patients. The EMR has been shown to improve quality and reliability in the delivery of healthcare services when appropriately implemented. Careful attention to the impact of the EMR on clinical workflows, in order to take full advantage of the potential of the EMR to improve patient care, is the key lesson from our experience in the deployment and use of these systems.


2015 ◽  
Vol 28 (4) ◽  
pp. 119-121 ◽  
Author(s):  
Anthony McMullen

Purpose – This paper aims to provide insights and commentary into issues encountered in providing library resources and services in a rapidly changing environment with varied user expectations. Design/methodology/approach – This paper uses examples and illustrations from the business world to demonstrate the importance of having a clear mission and a thorough understanding of the needs and expectations of the population being served. Findings – Disruptive technology has had major impacts on many business sectors. Libraries can learn from the choices many of these businesses entities made to improve services and achieve greater returns on investment. Originality/value – This paper examines several widely recognizable business entities and the manners in which they chose to address disruptions caused by changes in the marketplace and in consumer attitudes. Libraries can use these illustrations to better position themselves to deal effectively with the inevitable change in the future.


2020 ◽  
Vol 1 (4) ◽  
pp. 40-55
Author(s):  
Peter Chege Mugo ◽  
Juliana Mulaa Namada

Innovation is key to achieving a competitive advantage. In a bid to achieve competitive advantage, companies have considered different types of innovation. Each firm establishes its own competitive niche depending on the conditions that allow it to be productive within that specific niche. Process innovations have emerged as some of the key competitive fronts for many firms including the telecommunications industry. This paper focuses on establishing the effect of process innovation on the competitive advantage of the telecommunication industry in Kenya. The study adopted a descriptive research design using a sample size of 26 active telecommunications companies in Kenya. The respondents were mid and top-level managers. The linear regression model showed process innovation statistically affects the competitive advantage of telecommunication companies in Kenya (β = .302t = 4.952, p<.05). The study recommends telecommunication companies to design processes that provide optimum returns and use disruptive technology to design innovative processes.


Urology ◽  
2015 ◽  
Vol 86 (3) ◽  
pp. 432-438 ◽  
Author(s):  
Nima Nassiri ◽  
Shyam Natarajan ◽  
Daniel J. Margolis ◽  
Leonard S. Marks

2020 ◽  
Vol 5 (1) ◽  
pp. 88-96
Author(s):  
Mary R. T. Kennedy

Purpose The purpose of this clinical focus article is to provide speech-language pathologists with a brief update of the evidence that provides possible explanations for our experiences while coaching college students with traumatic brain injury (TBI). Method The narrative text provides readers with lessons we learned as speech-language pathologists functioning as cognitive coaches to college students with TBI. This is not meant to be an exhaustive list, but rather to consider the recent scientific evidence that will help our understanding of how best to coach these college students. Conclusion Four lessons are described. Lesson 1 focuses on the value of self-reported responses to surveys, questionnaires, and interviews. Lesson 2 addresses the use of immediate/proximal goals as leverage for students to update their sense of self and how their abilities and disabilities may alter their more distal goals. Lesson 3 reminds us that teamwork is necessary to address the complex issues facing these students, which include their developmental stage, the sudden onset of trauma to the brain, and having to navigate going to college with a TBI. Lesson 4 focuses on the need for college students with TBI to learn how to self-advocate with instructors, family, and peers.


2020 ◽  
Vol 29 (3S) ◽  
pp. 638-647 ◽  
Author(s):  
Janine F. J. Meijerink ◽  
Marieke Pronk ◽  
Sophia E. Kramer

Purpose The SUpport PRogram (SUPR) study was carried out in the context of a private academic partnership and is the first study to evaluate the long-term effects of a communication program (SUPR) for older hearing aid users and their communication partners on a large scale in a hearing aid dispensing setting. The purpose of this research note is to reflect on the lessons that we learned during the different development, implementation, and evaluation phases of the SUPR project. Procedure This research note describes the procedures that were followed during the different phases of the SUPR project and provides a critical discussion to describe the strengths and weaknesses of the approach taken. Conclusion This research note might provide researchers and intervention developers with useful insights as to how aural rehabilitation interventions, such as the SUPR, can be developed by incorporating the needs of the different stakeholders, evaluated by using a robust research design (including a large sample size and a longer term follow-up assessment), and implemented widely by collaborating with a private partner (hearing aid dispensing practice chain).


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