Are electric vehicles riskier? A comparative study of driving behaviour and insurance claims for internal combustion engine, hybrid and electric vehicles.

Electric vehicles (EVs) differ significantly from their internal combustion engine (ICE) counterparts, with reduced mechanical parts, Lithium-ion batteries and differences in pedal and transmission control. These differences in vehicle operation, coupled with the proliferation of EVs on our roads, warrant an in-depth investigation into the divergent risk profiles and driving behaviour of EVs, Hybrids (HYB) and ICEs. In this unique study, we analyze a novel telematics dataset of 14,642 vehicles in the Netherlands accompanied by accident claims data. We train a Logistic Regression model to predict the occurrence of driver at-fault claims, where an at-fault claim refers to First and Third Party damages where the driver was at fault. Our results reveal that EV drivers are more exposed to incurring at-fault claims than ICE drivers despite their lower average mileage. Additionally, we investigate the financial implications of these increased at-fault claims likelihoods and have found that EVs experience a 6.7% increase in significant first-party damage costs compared to ICE. When analyzing driver behaviour, we found that EVs and HYBs record fewer harsh acceleration, braking, cornering and speeding events than ICE. However, these reduced harsh events do not translate to reducing claims frequency for EVs. This research finds evidence of a higher frequency of accidents caused by Electric Vehicles. This burden should be considered explicitly by regulators, manufacturers, businesses and the general public when evaluating the cost of transitioning to alternative fuel vehicles.

Using contextual data to predict risky driving events: A novel methodology from explainable artificial intelligence.

Usage-based insurance has allowed insurers to dynamically tailor insurance premiums by understanding when and how safe policyholders drive. However, telematics information can also be used to understand the driving contexts experienced by the driver within each trip (e.g., road types, weather, traffic). Since different combinations of these conditions affect exposure to accidents, this understanding introduces predictive opportunities in driving risk assessment. This paper investigates the relationships between driving context combinations and risk using a naturalistic driving dataset of 77,859 km. In particular, XGBoost and Random Forests are used to determine the predictive significance of driving contexts for near-misses, speeding and distraction events. Moreover, the most important contextual factors in predicting these risky events are identified and ranked through Shapley Additive Explanations. The results show that the driving context has significant power in predicting driving risk. Speed limit, weather temperature, wind speed, traffic conditions and road slope appear in the top ten most relevant features for most risky events. Analysing contextual feature variations and their influence on risky events showed that low-speed limits increase the predicted frequency of speeding and phone unlocking events, whereas high-speed limits decrease harsh accelerations. Low temperatures decrease the expected frequency of harsh manoeuvres, and precipitations increase harsh acceleration, harsh braking, and distraction events. Furthermore, road slope, intersections and pavement quality are the most critical factors among road layout attributes. The methodology presented in this study aims to support road safety stakeholders and insurers by providing insights to study the contextual risk factors that influence road accident frequency and driving risk.

Employing Supervised Algorithms for the Prediction of Nanomaterial's Antioxidant Efficiency.

Reactive oxygen species (ROS) are compounds that readily transform into free radicals. Excessive exposure to ROS depletes antioxidant enzymes that protect cells, leading to oxidative stress and cellular damage. Nanomaterials (NMs) exhibit free radical scavenging efficiency representing a potential solution for oxidative stress-induced disorders. This study aims to demonstrate the application of machine learning (ML) algorithms for predicting the antioxidant efficiency of NMs. We manually compiled a comprehensive dataset based on a literature review of 62 in vitro studies. We extracted NMs' physico-chemical (P-chem) properties, the NMs' synthesis technique and various experimental conditions as input features to predict the antioxidant efficiency measured by a 2,2-diphenyl-1-picrylhydrazyl (DPPH) assay. Following data pre-processing, various regression models were trained and validated. The random forest model showed the highest predictive performance reaching an R2 = 0.83. The attribute importance analysis revealed that the NM's type, core-size and dosage are the most important attributes influencing the prediction. Our findings corroborate with those of the prior research landscape regarding the importance of P-chem characteristics. This study expands the application of ML in the nano-domain beyond safety-related outcomes by capturing the functional performance. Accordingly, this study has two objectives: (1) to develop a model to forecast the antioxidant efficiency of NMs to complement conventional in vitro assays and (2) to underline the lack of a comprehensive database and the scarcity of relevant data and/or data management practices in the nanotechnology field, especially with regards to functionality assessments.

On the impact of advanced driver assistance systems on driving distraction and risky behaviour: An empirical analysis of irish commercial drivers.

Advanced driver assistance systems (ADAS) present promising benefits in mitigating road collisions. However, these benefits are limited when risky drivers continue engaging in distraction events. While there is evidence that real-time warnings help improve driving behaviour, the sustained benefits of warning-based ADAS on reducing driving distraction in light commercial vehicle (LCV) drivers remain unclear. This research determines the effect of receiving instant distraction warnings over two years using a naturalistic driving dataset comprising around one million trips from 373 LCV drivers in the Republic of Ireland. Furthermore, the study applies Association Rule Mining (ARM) to find the contextual variables (e.g., speed limit, road type, traffic conditions) that increase the likelihood of distraction events. The results show that warning-based ADAS providing real-time warnings helps reduce distraction events triggering driver inattention, forward collision, and lane departure warnings. Over half of the studied fleet reduced these warnings by at least 50% - lane departure after two months and driver inattention and forward collision after six months. It is found that both passive and active monitoring systems, coupled with coaching and rewards, significantly reduce aggressive driving behaviours tied to harsh acceleration (by 76%) and harsh braking (by 65%). The results of ARM show that the driving context introduces explanatory information for road safety programs. Low-speed urban roads and the summer season increase the likelihood of driver inattention and forward collision warnings. In contrast, high-speed rural roads increase the likelihood of lane departure warnings. These research findings support road safety stakeholders in developing risk assessments based on warning-based ADAS, targeted campaigns to reduce driving distraction, and driving coaching programs.

The risk perception of nanotechnology: evidence from twitter.

Nanotechnology governance, particularly in relation to human and environmental concerns, remains a contested domain. In recent years, the creation of both a risk governance framework and council has been actively pursued. Part of the function of a governance framework is the communication to external stakeholders. Existing descriptions on the public perceptions of nanotechnology are generally positive with the attendant economic and societal benefits being forefront in that thinking. Debates on nanomaterials' risk tend to be dominated by expert groupings while the general public is largely unaware of the potential hazards. Communicating via social media has become an integral part of everyday life facilitating public connectedness around specific topics that was not feasible in the pre-digital age. When civilian passive stakeholders become active their frustration can quickly coalesce into a campaign of resistance, and once an issue starts to develop into a campaign it is difficult to ease the momentum. Simmering discussions with moderate local attention can gain international exposure resulting in pressure and it can, in some cases, quickly precipitate legislative action and/or economic consequences. This paper highlights the potential of such a runaway, twitterstorm. We conducted a sentiment analysis of tweets since 2006 focusing on silver, titanium and carbon-based nanomaterials. We further examined the sentiment expressed following the decision by the European Food Safety Authority (EFSA) to phase out the food additive titanium dioxide (E 171). Our analysis shows an engaged, attentive public, alert to announcements from industry and regulatory bodies. We demonstrate that risk governance frameworks, particularly the communication aspect of those structures must include a social media blueprint to counter misinformation and alleviate the potential impact of a social media induced regulatory and economic reaction.

Cyber risk and cybersecurity: a systematic review of data availability.

Cybercrime is estimated to have cost the global economy just under USD 1 trillion in 2020, indicating an increase of more than 50% since 2018. With the average cyber insurance claim rising from USD 145,000 in 2019 to USD 359,000 in 2020, there is a growing necessity for better cyber information sources, standardised databases, mandatory reporting and public awareness. This research analyses the extant academic and industry literature on cybersecurity and cyber risk management with a particular focus on data availability. From a preliminary search resulting in 5219 cyber peer-reviewed studies, the application of the systematic methodology resulted in 79 unique datasets. We posit that the lack of available data on cyber risk poses a serious problem for stakeholders seeking to tackle this issue. In particular, we identify a lacuna in open databases that undermine collective endeavours to better manage this set of risks. The resulting data evaluation and categorisation will support cybersecurity researchers and the insurance industry in their efforts to comprehend, metricise and manage cyber risks. Supplementary Information: The online version contains supplementary material available at 10.1057/s41288-022-00266-6.

A Machine Learning Tool to Predict the Antibacterial Capacity of Nanoparticles.

The emergence and rapid spread of multidrug-resistant bacteria strains are a public health concern. This emergence is caused by the overuse and misuse of antibiotics leading to the evolution of antibiotic-resistant strains. Nanoparticles (NPs) are objects with all three external dimensions in the nanoscale that varies from 1 to 100 nm. Research on NPs with enhanced antimicrobial activity as alternatives to antibiotics has grown due to the increased incidence of nosocomial and community acquired infections caused by pathogens. Machine learning (ML) tools have been used in the field of nanoinformatics with promising results. As a consequence of evident achievements on a wide range of predictive tasks, ML techniques are attracting significant interest across a variety of stakeholders. In this article, we present an ML tool that successfully predicts the antibacterial capacity of NPs while the model's validation demonstrates encouraging results (R2 = 0.78). The data were compiled after a literature review of 60 articles and consist of key physico-chemical (p-chem) properties and experimental conditions (exposure variables and bacterial clustering) from in vitro studies. Following data homogenization and pre-processing, we trained various regression algorithms and we validated them using diverse performance metrics. Finally, an important attribute evaluation, which ranks the attributes that are most important in predicting the outcome, was performed. The attribute importance revealed that NP core size, the exposure dose, and the species of bacterium are key variables in predicting the antibacterial effect of NPs. This tool assists various stakeholders and scientists in predicting the antibacterial effects of NPs based on their p-chem properties and diverse exposure settings. This concept also aids the safe-by-design paradigm by incorporating functionality tools.

Data Shepherding in Nanotechnology. The Exposure Field Campaign Template.

In this paper, we demonstrate the realization process of a pragmatic approach on developing a template for capturing field monitoring data in nanomanufacturing processes. The template serves the fundamental principles which make data scientifically Findable, Accessible, Interoperable and Reusable (FAIR principles), as well as encouraging individuals to reuse it. In our case, the data shepherds' (the guider of data) template creation workflow consists of the following steps: (1) Identify relevant stakeholders, (2) Distribute questionnaires to capture a general description of the data to be generated, (3) Understand the needs and requirements of each stakeholder, (4) Interactive simple communication with the stakeholders for variables/descriptors selection, and (5) Design of the template and annotation of descriptors. We provide an annotated template for capturing exposure field campaign monitoring data, and increase their interoperability, while comparing it with existing templates. This paper enables the data creators of exposure field campaign data to store data in a FAIR way and helps the scientific community, such as data shepherds, by avoiding extensive steps for template creation and by utilizing the pragmatic structure and/or the template proposed herein, in the case of a nanotechnology project (Anticipating Safety Issues at the Design of Nano Product Development, ASINA).

Data Shepherding in Nanotechnology. The Initiation.

In this paper we describe the pragmatic approach of initiating, designing and implementing the Data Management Plan (DMP) and the data FAIRification process in the multidisciplinary Horizon 2020 nanotechnology project, Anticipating Safety Issues at the Design Stage of NAno Product Development (ASINA). We briefly describe the general DMP requirements, emphasizing that the initial steps in the direction towards data FAIRification must be conceptualized and visualized in a systematic way. We demonstrate the use of a generic questionnaire to capture primary data and metadata description from our consortium (data creators/experimentalists and data analysts/modelers). We then display the interactive process with external FAIR data initiatives (data curators/quality assessors), regarding guidance for data and metadata capturing and future integration into repositories. After the preliminary data capturing and FAIRification template is formed, the inner-communication process begins between the partners, which leads to developing case-specific templates. This paper assists future data creators, data analysts, stewards and shepherds engaged in the multi-faceted data shepherding process, in any project, by providing a roadmap, demonstrated in the case of ASINA.

Draft Genome Sequences of Two Cadophora Strains Isolated from Water and a Nonalcoholic Beverage Ingredient.

Members of the fungal genus Cadophora are isolated from a variety of habitats, including plants, soil, water, food, and indoor environments. Here, we report the draft genome sequences of two strains, Cadophora malorum M34 and Cadophora sp. strain M221.