{"id":"https://openalex.org/W4413847993","doi":"https://doi.org/10.3390/bdcc9090225","title":"Can Telematics Improve Driving Style? The Use of Behavioral Data in Motor Insurance","display_name":"Can Telematics Improve Driving Style? The Use of Behavioral Data in Motor Insurance","publication_year":2025,"publication_date":"2025-08-29","ids":{"openalex":"https://openalex.org/W4413847993","doi":"https://doi.org/10.3390/bdcc9090225"},"language":"en","primary_location":{"id":"doi:10.3390/bdcc9090225","is_oa":true,"landing_page_url":"https://doi.org/10.3390/bdcc9090225","pdf_url":"https://www.mdpi.com/2504-2289/9/9/225/pdf?version=1756476291","source":{"id":"https://openalex.org/S4210238752","display_name":"Big Data and Cognitive Computing","issn_l":"2504-2289","issn":["2504-2289"],"is_oa":true,"is_in_doaj":true,"is_core":true,"host_organization":"https://openalex.org/P4310310987","host_organization_name":"Multidisciplinary Digital Publishing Institute","host_organization_lineage":["https://openalex.org/P4310310987"],"host_organization_lineage_names":["Multidisciplinary Digital Publishing Institute"],"type":"journal"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Big Data and Cognitive Computing","raw_type":"journal-article"},"type":"article","indexed_in":["crossref","doaj"],"open_access":{"is_oa":true,"oa_status":"gold","oa_url":"https://www.mdpi.com/2504-2289/9/9/225/pdf?version=1756476291","any_repository_has_fulltext":true},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5066124621","display_name":"Alberto Cevolini","orcid":"https://orcid.org/0000-0002-6971-893X"},"institutions":[{"id":"https://openalex.org/I122346577","display_name":"University of Modena and Reggio Emilia","ror":"https://ror.org/02d4c4y02","country_code":"IT","type":"education","lineage":["https://openalex.org/I122346577"]}],"countries":["IT"],"is_corresponding":false,"raw_author_name":"Alberto Cevolini","raw_affiliation_strings":["Department of Education and Human Sciences, University of Modena and Reggio Emilia, 42121 Reggio Emilia, Italy"],"affiliations":[{"raw_affiliation_string":"Department of Education and Human Sciences, University of Modena and Reggio Emilia, 42121 Reggio Emilia, Italy","institution_ids":["https://openalex.org/I122346577"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5008703659","display_name":"Elena Morotti","orcid":"https://orcid.org/0000-0002-4283-2994"},"institutions":[{"id":"https://openalex.org/I9360294","display_name":"University of Bologna","ror":"https://ror.org/01111rn36","country_code":"IT","type":"education","lineage":["https://openalex.org/I9360294"]}],"countries":["IT"],"is_corresponding":true,"raw_author_name":"Elena Morotti","raw_affiliation_strings":["Department of Political and Social Sciences, University of Bologna, 40125 Bologna, Italy"],"affiliations":[{"raw_affiliation_string":"Department of Political and Social Sciences, University of Bologna, 40125 Bologna, Italy","institution_ids":["https://openalex.org/I9360294"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5062014945","display_name":"Elena Esposito","orcid":"https://orcid.org/0000-0002-3075-292X"},"institutions":[{"id":"https://openalex.org/I20121455","display_name":"Bielefeld University","ror":"https://ror.org/02hpadn98","country_code":"DE","type":"education","lineage":["https://openalex.org/I20121455"]},{"id":"https://openalex.org/I9360294","display_name":"University of Bologna","ror":"https://ror.org/01111rn36","country_code":"IT","type":"education","lineage":["https://openalex.org/I9360294"]}],"countries":["DE","IT"],"is_corresponding":false,"raw_author_name":"Elena Esposito","raw_affiliation_strings":["Department of Political and Social Sciences, University of Bologna, 40125 Bologna, Italy","Faculty of Sociology, Bielefeld University, 33615 Bielefeld, Germany"],"affiliations":[{"raw_affiliation_string":"Department of Political and Social Sciences, University of Bologna, 40125 Bologna, Italy","institution_ids":["https://openalex.org/I9360294"]},{"raw_affiliation_string":"Faculty of Sociology, Bielefeld University, 33615 Bielefeld, Germany","institution_ids":["https://openalex.org/I20121455"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5119484740","display_name":"Lorenzo Romanelli","orcid":null},"institutions":[{"id":"https://openalex.org/I137543953","display_name":"Telecom Italia (Italy)","ror":"https://ror.org/00xmwgm53","country_code":"IT","type":"company","lineage":["https://openalex.org/I137543953"]}],"countries":["IT"],"is_corresponding":false,"raw_author_name":"Lorenzo Romanelli","raw_affiliation_strings":["Swiss Re Europe S.A., Rappresentanza per l\u2019Italia, 20121 Milan, Italy"],"affiliations":[{"raw_affiliation_string":"Swiss Re Europe S.A., Rappresentanza per l\u2019Italia, 20121 Milan, Italy","institution_ids":["https://openalex.org/I137543953"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5069500255","display_name":"Riccardo Tisseur","orcid":null},"institutions":[{"id":"https://openalex.org/I137543953","display_name":"Telecom Italia (Italy)","ror":"https://ror.org/00xmwgm53","country_code":"IT","type":"company","lineage":["https://openalex.org/I137543953"]}],"countries":["IT"],"is_corresponding":false,"raw_author_name":"Riccardo Tisseur","raw_affiliation_strings":["Swiss Re Europe S.A., Rappresentanza per l\u2019Italia, 20121 Milan, Italy"],"affiliations":[{"raw_affiliation_string":"Swiss Re Europe S.A., Rappresentanza per l\u2019Italia, 20121 Milan, Italy","institution_ids":["https://openalex.org/I137543953"]}]},{"author_position":"last","author":{"id":"https://openalex.org/A5011725145","display_name":"Cristiano Misani","orcid":null},"institutions":[{"id":"https://openalex.org/I137543953","display_name":"Telecom Italia (Italy)","ror":"https://ror.org/00xmwgm53","country_code":"IT","type":"company","lineage":["https://openalex.org/I137543953"]}],"countries":["IT"],"is_corresponding":false,"raw_author_name":"Cristiano Misani","raw_affiliation_strings":["Swiss Re Europe S.A., Rappresentanza per l\u2019Italia, 20121 Milan, Italy"],"affiliations":[{"raw_affiliation_string":"Swiss Re Europe S.A., Rappresentanza per l\u2019Italia, 20121 Milan, Italy","institution_ids":["https://openalex.org/I137543953"]}]}],"institutions":[],"countries_distinct_count":2,"institutions_distinct_count":6,"corresponding_author_ids":["https://openalex.org/A5008703659"],"corresponding_institution_ids":["https://openalex.org/I9360294"],"apc_list":{"value":1400,"currency":"CHF","value_usd":1515},"apc_paid":{"value":1400,"currency":"CHF","value_usd":1515},"fwci":0.0,"has_fulltext":true,"cited_by_count":0,"citation_normalized_percentile":{"value":0.2711191,"is_in_top_1_percent":false,"is_in_top_10_percent":false},"cited_by_percentile_year":null,"biblio":{"volume":"9","issue":"9","first_page":"225","last_page":"225"},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T14260","display_name":"Impact of AI and Big Data on Business and Society","score":0.90829998254776,"subfield":{"id":"https://openalex.org/subfields/1803","display_name":"Management Science and Operations Research"},"field":{"id":"https://openalex.org/fields/18","display_name":"Decision Sciences"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},"topics":[{"id":"https://openalex.org/T14260","display_name":"Impact of AI and Big Data on Business and Society","score":0.90829998254776,"subfield":{"id":"https://openalex.org/subfields/1803","display_name":"Management Science and Operations Research"},"field":{"id":"https://openalex.org/fields/18","display_name":"Decision Sciences"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/telematics","display_name":"Telematics","score":0.8974575996398926},{"id":"https://openalex.org/keywords/style","display_name":"Style (visual arts)","score":0.5304628610610962},{"id":"https://openalex.org/keywords/business","display_name":"Business","score":0.3594087064266205},{"id":"https://openalex.org/keywords/computer-science","display_name":"Computer science","score":0.34853124618530273},{"id":"https://openalex.org/keywords/transport-engineering","display_name":"Transport engineering","score":0.3451990485191345},{"id":"https://openalex.org/keywords/engineering","display_name":"Engineering","score":0.2982262372970581},{"id":"https://openalex.org/keywords/telecommunications","display_name":"Telecommunications","score":0.166415274143219},{"id":"https://openalex.org/keywords/geography","display_name":"Geography","score":0.1264779269695282}],"concepts":[{"id":"https://openalex.org/C89074322","wikidata":"https://www.wikidata.org/wiki/Q485669","display_name":"Telematics","level":2,"score":0.8974575996398926},{"id":"https://openalex.org/C2776445246","wikidata":"https://www.wikidata.org/wiki/Q1792644","display_name":"Style (visual arts)","level":2,"score":0.5304628610610962},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.3594087064266205},{"id":"https://openalex.org/C41008148","wikidata":"https://www.wikidata.org/wiki/Q21198","display_name":"Computer science","level":0,"score":0.34853124618530273},{"id":"https://openalex.org/C22212356","wikidata":"https://www.wikidata.org/wiki/Q775325","display_name":"Transport engineering","level":1,"score":0.3451990485191345},{"id":"https://openalex.org/C127413603","wikidata":"https://www.wikidata.org/wiki/Q11023","display_name":"Engineering","level":0,"score":0.2982262372970581},{"id":"https://openalex.org/C76155785","wikidata":"https://www.wikidata.org/wiki/Q418","display_name":"Telecommunications","level":1,"score":0.166415274143219},{"id":"https://openalex.org/C205649164","wikidata":"https://www.wikidata.org/wiki/Q1071","display_name":"Geography","level":0,"score":0.1264779269695282},{"id":"https://openalex.org/C166957645","wikidata":"https://www.wikidata.org/wiki/Q23498","display_name":"Archaeology","level":1,"score":0.0}],"mesh":[],"locations_count":4,"locations":[{"id":"doi:10.3390/bdcc9090225","is_oa":true,"landing_page_url":"https://doi.org/10.3390/bdcc9090225","pdf_url":"https://www.mdpi.com/2504-2289/9/9/225/pdf?version=1756476291","source":{"id":"https://openalex.org/S4210238752","display_name":"Big Data and Cognitive Computing","issn_l":"2504-2289","issn":["2504-2289"],"is_oa":true,"is_in_doaj":true,"is_core":true,"host_organization":"https://openalex.org/P4310310987","host_organization_name":"Multidisciplinary Digital Publishing Institute","host_organization_lineage":["https://openalex.org/P4310310987"],"host_organization_lineage_names":["Multidisciplinary Digital Publishing Institute"],"type":"journal"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Big Data and Cognitive Computing","raw_type":"journal-article"},{"id":"pmh:oai:cris.unibo.it:11585/1024330","is_oa":true,"landing_page_url":"https://www.mdpi.com/2504-2289/9/9/225","pdf_url":null,"source":{"id":"https://openalex.org/S4306402579","display_name":"Archivio istituzionale della ricerca (Alma Mater Studiorum Universit\u00e0 di Bologna)","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"host_organization":"https://openalex.org/I4210117483","host_organization_name":"Istituto di Ematologia di Bologna","host_organization_lineage":["https://openalex.org/I4210117483"],"host_organization_lineage_names":[],"type":"repository"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":null,"raw_type":"info:eu-repo/semantics/article"},{"id":"pmh:oai:doaj.org/article:48b32280c93f44e09e0ae3d183b25b31","is_oa":true,"landing_page_url":"https://doaj.org/article/48b32280c93f44e09e0ae3d183b25b31","pdf_url":null,"source":{"id":"https://openalex.org/S112646816","display_name":"SHILAP Revista de lepidopterolog\u00eda","issn_l":"0300-5267","issn":["0300-5267","2340-4078"],"is_oa":true,"is_in_doaj":true,"is_core":false,"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"journal"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":"Big Data and Cognitive Computing, Vol 9, Iss 9, p 225 (2025)","raw_type":"article"},{"id":"pmh:oai:iris.unimore.it:11380/1385628","is_oa":true,"landing_page_url":"https://hdl.handle.net/11380/1385628","pdf_url":null,"source":{"id":"https://openalex.org/S4306400718","display_name":"IRIS UNIMORE (University of Modena and Reggio Emilia)","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"host_organization":"https://openalex.org/I122346577","host_organization_name":"University of Modena and Reggio Emilia","host_organization_lineage":["https://openalex.org/I122346577"],"host_organization_lineage_names":[],"type":"repository"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":null,"raw_type":"info:eu-repo/semantics/article"}],"best_oa_location":{"id":"doi:10.3390/bdcc9090225","is_oa":true,"landing_page_url":"https://doi.org/10.3390/bdcc9090225","pdf_url":"https://www.mdpi.com/2504-2289/9/9/225/pdf?version=1756476291","source":{"id":"https://openalex.org/S4210238752","display_name":"Big Data and Cognitive Computing","issn_l":"2504-2289","issn":["2504-2289"],"is_oa":true,"is_in_doaj":true,"is_core":true,"host_organization":"https://openalex.org/P4310310987","host_organization_name":"Multidisciplinary Digital Publishing Institute","host_organization_lineage":["https://openalex.org/P4310310987"],"host_organization_lineage_names":["Multidisciplinary Digital Publishing Institute"],"type":"journal"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Big Data and Cognitive Computing","raw_type":"journal-article"},"sustainable_development_goals":[],"awards":[],"funders":[],"has_content":{"grobid_xml":true,"pdf":true},"content_urls":{"pdf":"https://content.openalex.org/works/W4413847993.pdf","grobid_xml":"https://content.openalex.org/works/W4413847993.grobid-xml"},"referenced_works_count":29,"referenced_works":["https://openalex.org/W597941156","https://openalex.org/W1505063426","https://openalex.org/W1992708740","https://openalex.org/W1994256118","https://openalex.org/W2042294266","https://openalex.org/W2043572303","https://openalex.org/W2079708698","https://openalex.org/W2099777565","https://openalex.org/W2126678001","https://openalex.org/W2141082857","https://openalex.org/W2144676505","https://openalex.org/W2333952055","https://openalex.org/W2338824285","https://openalex.org/W2518549364","https://openalex.org/W2519010223","https://openalex.org/W2570959338","https://openalex.org/W2581048896","https://openalex.org/W2770912213","https://openalex.org/W2904739673","https://openalex.org/W2911554803","https://openalex.org/W2947291768","https://openalex.org/W3022189247","https://openalex.org/W3115418974","https://openalex.org/W3180176640","https://openalex.org/W4224223516","https://openalex.org/W4250392600","https://openalex.org/W4306645008","https://openalex.org/W4313442289","https://openalex.org/W4390122842"],"related_works":["https://openalex.org/W4391375266","https://openalex.org/W2899084033","https://openalex.org/W2748952813","https://openalex.org/W28596303","https://openalex.org/W2111119084","https://openalex.org/W2075084475","https://openalex.org/W571717219","https://openalex.org/W2753549526","https://openalex.org/W2906361627","https://openalex.org/W584237525"],"abstract_inverted_index":{"Motor":[0],"insurance":[1,98,115,172],"can":[2,92],"use":[3],"telematics":[4,113],"data":[5,90,188],"not":[6],"only":[7],"to":[8,15,23,39,76,155,190],"understand":[9],"individual":[10],"driving":[11,45,133,144],"style":[12],"but":[13],"also":[14,85],"implement":[16],"innovative":[17],"coaching":[18,168],"strategies":[19],"that":[20,53,58,91,160],"feed":[21],"back":[22],"the":[24,29,34,63,72,80,102,106,128,157,178,194],"drivers,":[25],"through":[26],"an":[27,41],"app,":[28],"aggregated":[30],"information":[31],"extracted":[32],"from":[33],"data.":[35],"The":[36,135],"purpose":[37],"is":[38,52,84,122],"encourage":[40],"improvement":[42,51,131],"in":[43,170],"their":[44],"style.":[46,134],"A":[47],"precondition":[48],"for":[49],"this":[50],"drivers":[54],"are":[55],"digitally":[56],"engaged,":[57],"is,":[59],"they":[60],"interact":[61],"with":[62,79,127,142,193],"app.":[64,81,195],"This":[65,82],"paper":[66],"proposes":[67],"a":[68,86,109,112,123],"narrow":[69],"understanding":[70],"of":[71,105,108,132,140,182],"term":[73],"engagement,":[74],"referring":[75],"users\u2019":[77],"interactions":[78],"interaction":[83],"behavior":[87],"producing":[88],"specific":[89],"be":[93,162],"tracked":[94],"and":[95,130,146,167,180,184],"used":[96],"by":[97,176],"companies.":[99],"Based":[100],"on":[101],"empirical":[103],"investigation":[104],"dataset":[107],"company":[110],"selling":[111],"motor":[114],"policy,":[116],"our":[117],"research":[118],"investigates":[119],"if":[120],"there":[121],"correlation":[124],"between":[125],"engagement":[126,166,192],"app":[129],"analysis":[136],"distinguishes":[137],"different":[138,143],"groups":[139],"users":[141],"abilities,":[145],"takes":[147],"into":[148],"account":[149],"time":[150],"differences.":[151],"Our":[152],"findings":[153],"contribute":[154],"clarifying":[156],"methodological":[158],"challenges":[159],"must":[161],"addressed":[163],"when":[164],"exploring":[165],"effectiveness":[169],"proactive":[171],"policies.":[173],"We":[174],"conclude":[175],"discussing":[177],"possibility":[179],"difficulties":[181],"tracking":[183],"using":[185],"second-order":[186],"behavioral":[187],"related":[189],"policyholder":[191]},"counts_by_year":[],"updated_date":"2026-03-27T05:58:40.876381","created_date":"2025-10-10T00:00:00"}
