scholarly journals Association Rules for Understanding Policyholder Lapses

2018 ◽  
Author(s):  
Himchan Jeong ◽  
Guojun Gan ◽  
Emiliano A. Valdez
Keyword(s):  
Strong Association ◽  
Rule Learning ◽  
Insurance Market ◽  
Purchase Behavior ◽  
Automobile Insurance ◽  
Insurance Company ◽  
Data Mining Technique ◽  
Before And After ◽  
The Face ◽  
Two Stages

For automobile insurance, it has long been implied that when a policyholder made at least one claim in the prior year, the subsequent premium is likely to increase. When this happens, the policyholder may seek to switch to another insurance company to possibly avoid paying for a higher premium. In such situations, insurers may be faced with the challenges of policyholder retention by keeping premiums low in the face of competition. In this paper, we seek to find empirical evidence of possible association between policyholder switching after a claim and the associated change in premium. In accomplishing this goal, we employ the method of association rule learning, a data mining technique that has its origins in marketing for analyzing and understanding consumer purchase behavior. We apply this unique technique in two stages. In the first stage, we identify policyholder and vehicle characteristics that affect the size of the claim and resulting change in premium regardless of policy switch. In the second stage, together with policyholder and vehicle characteristics, we identify the association among the size of the claim, the level of premium increase and policy switch. This empirical process is often challenging to insurers because they are unable to observe the new premium for those policyholders who switched. However, we used a 9-year claims data for the entire Singapore automobile insurance market that allowed us to track information before and after the switch. Our results provide evidence of a strong association among the size of the claim, the level of premium increase and policy switch. We attribute this to the possible inefficiency of the insurance market because of the lack of sharing and exchange of claims history among the companies.

Pre - Purchasing and Post - Purchasing Travel Behavior on Social Media: The Case of Kazakhstan

2020 ◽  
Vol 11 (6) ◽  
pp. 1475
Author(s):  
Assem ABDUNUROVA ◽  
Maira USPANOVA ◽  
Rajibul HASAN ◽  
Zinagul SURAPBERGENOVA ◽  
Nuradin KUDAIBERGENOV
Keyword(s):  
Social Media ◽  
Travel Behavior ◽  
Purchase Behavior ◽  
Tourism Product ◽  
Before And After ◽  
The Republic ◽  
Two Stages ◽  
Online Travel ◽  
Post Purchase ◽  
The Impact

Purpose – To identify consumers’ travel behavior on social media (SM) before and after purchasing tourism product in the case of the Republic of Kazakhstan. Methodology – A quantitative survey collected data involving travel purposes from 413 users of SM platforms. Findings – This paper revealed the impact of social-economic characteristics on travel behavior and characterized two stages of purchasing process tourism product on SM: The pre-purchase behavior: the impact on decision-making process such factors as sources of trustworthy content, travel frequency, being a member of travel companies’ SM and feedback from travel companies; The post-purchase behavior: the impact of satisfaction and dissatisfaction on the level of spreading positive and negative reviews; feedback from travel companies on consumers’ satisfaction, frequency usage of SM. The originality – The paper investigated pre-purchasing and post-purchasing travel behavior on SM and lack of researches and online travel behavior statistics in Central Asia makes this paper valuable.

A Review Paper on Cloud Computing

2018 ◽  
Vol 8 (6) ◽  
pp. 17 ◽  
Author(s):  
Priyanshu Srivastava ◽  
Rizwan Khan
Keyword(s):  
Cloud Computing ◽  
Grid Computing ◽  
Review Paper ◽  
Computing Technology ◽  
Internet Infrastructure ◽  
Before And After ◽  
The Face

Today is the era of Cloud Computing Technology in IT Industries. Cloud computing which is based on Internet has the most powerful architecture of computation. It reckons in of a compilation of integrated and networked hardware, software and internet infrastructure. It has various avails atop grid computing and other computing. In this paper, I have given a brief of evaluation of cloud computing by reviewing more than 30 articles on cloud computing. The outcome of this review signalizes the face of the IT industries before and after the cloud computing.

Indian Life Insurance Market and Corporate Performances: A Study of Selected Firms

2016 ◽  
Vol 4 (1) ◽  
Author(s):  
Joy Chakraborty ◽  
Partha Pratim Sengupta
Keyword(s):  
Market Share ◽  
Life Insurance ◽  
Market Concentration ◽  
Insurance Market ◽  
Insurance Companies ◽  
Insurance Company ◽  
Life Insurance Company ◽  
Insurance Sector ◽  
Life Insurers ◽  
Company Limited

In the pre-reform era, Life Insurance Corporation of India (LICI) dominated the Indian life insurance market with a market share close to 100 percent. But the situation drastically changed since the enactment of the IRDA Act in 1999. At the end of the FY 2012-13, the market share of LICI stood at around 73 percent with the number of players having risen to 24 in the countrys life insurance sector. One of the reasons for such a decline in the market share of LICI during the post-reform period could be attributed to the increasing competition prevailing in the countrys life insurance sector. At the same time, the liberalization of the life insurance sector for private participation has eventually raised issues about ensuring sound financial performance and solvency of the life insurance companies besides protection of the interest of policyholders. The present study is an attempt to evaluate and compare the financial performances, solvency, and the market concentration of the four leading life insurers in India namely the Life Insurance Corporation of India (LICI), ICICI Prudential Life Insurance Company Limited (ICICI PruLife), HDFC Standard Life Insurance Company Limited (HDFC Standard), and SBI Life Insurance Company Limited (SBI Life), over a span of five successive FYs 2008-09 to 2012-13. In this regard, the CARAMELS model has been used to evaluate the performances of the selected life insurers, based on the Financial Soundness Indicators (FSIs) as published by IMF. In addition to this, the Solvency and the Market Concentration Analyses were also presented for the selected life insurers for the given period. The present study revealed the preexisting dominance of LICI even after 15 years since the privatization of the countrys life insurance sector.

scholarly journals Directional Hydraulic Fracturing (DHF) of the Roof, as an Element of Rock Burst Prevention in the Light of Underground Observations and Numerical Modelling

Energies ◽  
2021 ◽  
Vol 14 (3) ◽  
pp. 562
Author(s):  
Marek Jendryś ◽  
Andrzej Hadam ◽  
Mateusz Ćwiękała
Keyword(s):  
Rock Mass ◽  
Hydraulic Fracturing ◽  
Coal Mining ◽  
Rock Burst ◽  
Coal Mine ◽  
Seismic Activity ◽  
Black Coal ◽  
Directional Hydraulic Fracturing ◽  
Before And After ◽  
The Face

The following article analyzes the effectiveness of directional hydraulic fracturing (DHF) as a method of rock burst prevention, used in black coal mining with a longwall system. In order to define changes in seismic activity due to DHF at the “Rydułtowy” Black Coal Mine (Upper Silesia, Poland), observations were made regarding the seismic activity of the rock mass during coal mining with a longwall system using roof layers collapse. The seismic activity was recorded in the area of the longwall itself, where, on a part of the runway, the rock mass was expanded before the face of the wall by interrupting the continuity of the rock layers using DHF. The following article presents measurements in the form of the number and the shock energy in the area of the observed longwall, which took place before and after the use of DHF. The second part of the article unveils the results of numerical modeling using the discrete element method, allowing to track the formation of goafs for the variant that does not take DHF into consideration, as well as with modeled fractures tracing DHF carried out in accordance with the technology used at “Rydułtowy” coal mine.

scholarly journals Eco-Friendly Fired Brick Produced from Industrial Ash and Natural Clay: A Study of Waste Reuse

Materials ◽  
2021 ◽  
Vol 14 (4) ◽  
pp. 877 ◽  
Author(s):  
Neslihan Doğan-Sağlamtimur ◽  
Ahmet Bilgil ◽  
Magdalena Szechyńska-Hebda ◽  
Sławomir Parzych ◽  
Marek Hebda
Keyword(s):  
Compressive Strength ◽  
Bottom Ash ◽  
Unit Weight ◽  
Waste Reuse ◽  
Industrial Solid Waste ◽  
Second Stage ◽  
Before And After ◽  
Fired Bricks ◽  
Two Stages ◽  
And Storage

Bottom ash (BA) is an industrial solid waste formed by the burning of coal. The environmental problems and storage costs caused by this waste increase with every passing day. In this study, the use of BA as an additive (clay substitute) in fired brick production was investigated. The study consisted of two stages. In the first stage, cylinder blocks were produced from clay used in brick production. The second stage was the examination of the experimental substitution of clay with 10, 20, 30 and 40% BA. Samples were fired at 900, 1000, 1100 and 1150 °C to produce fired brick samples. The unit weight, compressive strength (before and after freeze–thawing) and water absorption were analyzed for the samples. The unit weight values decreased in the samples containing BA. The mechanical properties met the conditions prescribed in the relevant standards; i.e., all of the samples fired at 1100 and 1150 °C had a sufficient compressive strength over 20 MPa. The high potential of fired bricks for the construction industry was proved. BA can be used as a clay substitute, while the developed protocol can be used to effectively produce fired bricks.

Labor Productivity and Managerial Efficiency against a Static Technology: The Pennsylvania Iron Industry, 1750–1800

1980 ◽  
Vol 40 (1) ◽  
pp. 129-136 ◽  
Author(s):  
Paul F. Paskoff
Keyword(s):  
Eighteenth Century ◽  
Fuel Consumption ◽  
Labor Productivity ◽  
Learning By Doing ◽  
Iron Industry ◽  
Managerial Efficiency ◽  
Before And After ◽  
Consumption Rates ◽  
The Face

An increase in labor productivity and a reduction of fuel consumption rates were two notable and closely related achievements of the management of Hopewell Forge, an ironworks in eighteenth-century Pennsylvania. Significantly, these economies were realized in the face of technological stasis through learning by doing. The analysis of this accomplishment is cast in the larger context of the performance of the iron industry before and after 1800.

From IRL (in-real-life) to URL: Capturing the art biennial amid COVID-19

2021 ◽  
Vol 8 (2-3) ◽  
pp. 291-311
Author(s):  
(Gwen) Kuan-ying Kuo
Keyword(s):  
Real Life ◽  
Art World ◽  
The Public ◽  
Global Pandemic ◽  
International Exhibitions ◽  
Art Scene ◽  
Before And After ◽  
The Face ◽  
The Taiwan Strait ◽  
Potential Shifts

In early 2020, the unforeseen COVID-19 has brought the art world to its knees, particularly the contemporary art scene needs viewers and feedback to survive. Artists require new channels connecting them with their audiences, while artists’ work needs to be seen and appreciated by the public to sustain its value. In the face of social distancing restrictions and limited visitors, however, many international exhibitions are forced to cancel or postponed. With less to no patronage, will the global pandemic bring the end of the art world? As the global pandemic has forced most social and cultural events moving online, the art biennials are no exception. This article examines the art biennial, the Olympics of the art world, to rediscover the meaning of ‘art’ before and after COVID-19. Integrating virtual presentation and digital campaign between the Taipei Biennial and the Shanghai Biennale, the first running art biennials across the Taiwan Strait, this article analyses and presents the art world’s potential shifts in the post-pandemic future.

Split face comparative study of microneedling with platelet rich plasma versus Fractional carbon dioxide laser with platelet rich plasma in treatment of atrophic post acne scars

QJM ◽  
2021 ◽  
Vol 114 (Supplement_1) ◽  
Author(s):  
Mohamed Abd Elnaeem Sallam ◽  
Khaled El Zawahry ◽  
Abdul Rahman Muhammed Ali Mustafa
Keyword(s):  
Carbon Dioxide ◽  
Co2 Laser ◽  
Carbon Dioxide Laser ◽  
Platelet Rich Plasma ◽  
Fractional Co2 Laser ◽  
Acne Scars ◽  
Significant Difference ◽  
Before And After ◽  
The Face ◽  
Fractional Carbon Dioxide Laser

Abstract Background Acne scars, is a challenge for dermatologists, despite having multiple treatment modalities like microneedling, dermabrasion, Fractional CO2 Laser, dermal fillers, etc. However, monotherapy has been hardly satisfactory because of the polymorphism seen with the scars. Objective Comparison between microneedling with platelet rich plasma versus Fractional carbon dioxide laser with platelet rich plasma in treatment of atrophic post acne scars. Patients and methods This study was carried out in department of dermatology, venereology and andrology, in Kobry El-Kobba Military complex during the period (from September 2018 to July 2020 ) on 20 patients of both sexes aged from 20 to 60 years old presenting with Goodman and Baron Grade II, III, IV acne scars . Results The study revealed a statistically significant difference (p = 0.017) between Goodman and Baron scar grades on the right side of the face before and after treatment indicating that microneedling with platelet rich plasma was effective in improving acne scars. Also, there is a statistically significant difference (p = 0.010) between Goodman and Baron scar grades on the left side of the face before and after treatment, indicating that fractional CO2 laser with platelet rich plasma was effective in improving acne scars. Conclusion and recommendation Further controlled and randomized studies are needed to validate our findings in a larger cohort of patients and longer follow up. Also, number of sessions might be more than 3 sessions.

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