Beth Bock is a Professor in the department of Psychiatry & Human Behavior at Brown University Medical School and a Senior Research Scientist at the Centers for Behavioral and Preventive Medicine at the Miriam Hospital. Dr. Bock’s primary research interests are in developing and testing innovative interventions for addictions, particularly tobacco and alcohol use, and interventions to promote physical activity. She has been Principal Investigator on over 18 and co-investigator on 33 research studies funded by the US National Institutes of Health. Her most recent work includes 1) research examining the efficacy of physically active video games for exercise adoption and maintenance among adults, 2) developing and testing a mobile program for alcohol safety among community college students and 3) research testing the efficacy of an intervention for smoking cessation delivered through text messaging.
Statement of the Problem: Numerous interventions have been developed to be delivered through mobile technologies such as mobile phones. Few studies have considered that the relationship of the individual to their mobile phone may have an important impact on intervention acceptability and outcomes. There are existing surveys to assess this relationship, however they tend to focus on negative constructs such as “addiction” or “dependence”. Since mobile technologies can be beneficial (e.g., health tracking, disease management, work productivity), there is a need for a more balanced instrument that reflects both these positive and negative aspects. This research developed and validated the Mobile Phone Affinity Scale (MPAS). rnMethodology: Participants (n=1058, mean age = 32.5 years + 10.3; 50% female) were recruited in a national (USA) sample using Amazon Mechanical Turk to complete the MPAS survey along with surveys assessing demographic data, anxiety, depressive symptoms and resilience. Confirmatory factor analyses examined factor loadings and sub-structures within the instrument. rnFindings: Analyses produced a final 6-factor model that fit well (RMSEA=0.059, CFI=0.941, TLI=0.931, SRMR-0.042) consisting of 24 items measuring: Connectedness, Productivity, Empowerment/Safety, Anxious attachment, Addiction, and Continuous use. Subscales demonstrated strong internal consistency (coefficient alpha range = 0.76 to 0.88, M=0.83), and high item factor loadings (range=0.57 to 0.87, M=0.75). Analyses demonstrated support for the individuals subscales. Attachment and Addiction subscales correlated significantly and positively with symptoms of depression and anxiety and negatively with resilience, while Productivity was positively correlated with resilience. rnConclusion & Significance: The MPAS is a reliable, valid assessment of both positive and negative characteristics associated with the individual’s relationship to their mobile phone. Mobile phone affinity may have an important impact on the efficacy and effectiveness of mobile health interventions. Research is needed to assess the predictive ability of the MPAS within health behavior change interventions delivered through the mobile phone. rn
Andrea Silvello has over 15 years of experience in business & strategy consulting in multinationals like BCG and Bain & Company. He is founder of Business Support (a business consulting firm) and 2 insurtech startups: Neosurance and Digital Tech. He is also a columnist at The Indian Economist - online journal on business & economics, policy, politics and culture & society, guest contributor at Insurance Thought Leadership, InsurTechNews and Fùture Inese. He is 50insurtech influencer according to insurtechnews.com and top fintech influencer in Italy according to letstalkpayments.com.
The health insurance sector is getting a considerable amount of attention all around the world and in particular in developed countries. This is partly because of the ever growing costs related to certain health issues like ageing and chronic disease and, on the other hand, due to the reshaping of Public Welfare. The common factor at an international level is that the Insurers are trying to move from a simple “Payer role” to become a reference point (a “Player”) for all the health-related needs of their customers. In light of the above, Health telematics presents great potential for the insurer. Such potential should be harnessed in a profitable way by targeting less risky clients and presenting them with an improved, better-priced value proposition. For this to happen, Insurance Companies will have to seek partners from both the technological innovation sphere and medical providers, keeping in mind that its role in the health system is changing from “payer” to “pivot”. The trend is now clear as Companies are becoming more of a 360° health “counsellor” that assists the insured in taking the best decisions based on digital solutions. There are five main value creation levers to take into consideration: 1) Risk selection, enhancing the underwriting phase with a temporary monitoring based on dedicated devices; 2) Loyalty and behaviour modification programs, leading the client toward risk free behaviour; 3) Value added services, developing client tailored ancillary services that allow the Insurer to play as an omni-channel medical concierge; 4) Loss control, developing a broad approach to mitigate claims; 5) Risk based pricing, developing insurance policies with pricing linked to client behaviours. \r\nThe winning insurance value propositions will that which is able to propose to its customer’s insurance components together with “e/m health” modular services made available in a single complete UX accessible via mobile app: wellness, medical network access and medical services. \r\n