UBI Research

Chun Yan, Xindong Wang, Xinhong Liu, Wei Liu, Jiahui Liu

With the support of Internet of Vehicles technology, UBI (Usage Based Insurance) car insurance rate determination has certain guiding significance for achieving accurate pricing of car insurance rates and satisfying the personalized needs of users. Based on the CNN (Convolutional Neural Networks) algorithm and SVM (Support Vector Machine) algorithm, this paper establishes a rating model for UBI car insurance rates. The model first performs a series of operations such as convolutions, pooling and nonlinear activation function mapping using the CNN algorithm so that it can extract the features from the driving behavior data of UBI customers. Then, it introduces the Hull Vector to optimize the operating efficiency of the SVM algorithm. The HVSVM (Hull Vector Support Vector Machine) algorithm classifies customers according to their driving behavior, and thus obtains UBI customer car insurance rate grades. Therefore, this paper proposes a UBI car insurance rate grade determination model based on the CNN-HVSVM algorithm. The empirical results of the model show that the CNN-HVSVM algorithm has higher discrimination accuracy in the risk rating process of UBI customer driving behavior than the CNN algorithm, BP neural network algorithm and SVM algorithm; and when dealing with large training sets, it has a speed advantage over the CNN-SVM algorithm. Furthermore, it is easy to realize in the process of establishing the UBI car insurance rate determination model and it has good robustness, which can adapt to diverse data sets, thus achieving better results in the car insurance rate determination process. Therefore, the CNN-HVSVM model can predict the grade of UBI car insurance users more accurately and efficiently, and the prediction results are more consistent with the actual situation, which has strong applicability and flexibility. The UBI car insurance premium rate determination model based on the CNN-HVSVM algorithm can determine driver behavior more fairly and reasonably, and has certain practical significance for promoting car insurance rate market reform, which can better promote future UBI research work.

Chun Yan, Zhaochuang Ou, Wei Liu, Qiang Xu

Elce Purwandari, Agus Mukmin

This study examines the application of Islamic business ethics values in the operations of the MSME Dendeng Pucuk Ubi Wak Idah, and their influence on the sustainability and reputation of the business from the perspective of customers and the surrounding community. The main problem addressed is how Islamic ethical values are implemented in business practices and how these values foster customer trust and loyalty. The research employs a qualitative approach, using in-depth interviews with key informants, including the business owner, employees, customers, suppliers, religious leaders, and neighbors. Findings reveal that honesty, trustworthiness, responsibility, and fairness are the fundamental principles consistently upheld in the business. These values not only build a positive reputation and harmonious relationships with stakeholders but also strengthen the business’s sustainability through customer trust and community support. This study contrIbutes to MSME management theory by incorporating spiritual and social relationship dimensions as key factors for success. In conclusion, the comprehensive internalization of Islamic business ethics is crucial in maintaining and developing MSMEs. Practical recommendations are offered for MSME practitioners to integrate these values to enhance trust and competitiveness, and for future research to expand studies to other MSME sectors.

Akhilesh S. Thyagaturu, G. Nguyen, B. Rimal, M. Reisslein

PurposeCloud computing originated in central data centers that are connected to the backbone of the Internet. The network transport to and from a distant data center incurs long latencies that hinder modern low-latency applications. In order to flexibly support the computing demands of users, cloud computing is evolving toward a continuum of cloud computing resources that are distributed between the end users and a distant data center. The purpose of this review paper is to concisely summarize the state-of-the-art in the evolving cloud computing field and to outline research imperatives.Design/methodology/approachThe authors identify two main dimensions (or axes) of development of cloud computing: the trend toward flexibility of scaling computing resources, which the authors denote as Flex-Cloud, and the trend toward ubiquitous cloud computing, which the authors denote as Ubi-Cloud. Along these two axes of Flex-Cloud and Ubi-Cloud, the authors review the existing research and development and identify pressing open problems.FindingsThe authors find that extensive research and development efforts have addressed some Ubi-Cloud and Flex-Cloud challenges resulting in exciting advances to date. However, a wide array of research challenges remains open, thus providing a fertile field for future research and development.Originality/valueThis review paper is the first to define the concept of the Ubi-Flex-Cloud as the two-dimensional research and design space for cloud computing research and development. The Ubi-Flex-Cloud concept can serve as a foundation and reference framework for planning and positioning future cloud computing research and development efforts.

Xindong Wang, Wei Liu, Zhaochuang Ou, Chun Yan, Man Qi, Wenli Jia