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This study aims to understand the lapse behavior of life insurance policyholders. Despite being accessible for nearly two centuries, only a small fraction of individuals purchase such policies and many of those who do let them lapse. The belief hypothesis model (BHM) is introduced to elucidate the correlation between policyholders' beliefs and their decisions regarding life insurance lapses.

BHM establishes a comprehensive linkage between core beliefs, external data and the lapse behavior exhibited by policyholders. To derive policyholders’ core beliefs about life insurance lapses, the authors conducted a semistructured, in-depth interview with 42 policyholders and 11 insurance advisors, using a grounded theory approach with zero-order, first-order and second-order coding.

The study's findings reveal that policy lapsation is influenced by various factors such as policyholders' beliefs about life insurance, process-related attitudes, trust in insurers and advisors and personal financial viewpoints. Policyholders who consider life insurance unnecessary or misunderstand its purpose are likelier to lapse their policies. Cumbersome documentation processes and technical issues also contribute to policy lapsation, emphasizing the significance of simplified procedures. Trust in insurers and advisors, personal financial literacy and payment preferences influence policy lapsation.

The findings of this research can be practically applied by companies to improve customer retention and by regulatory bodies to encourage policyholders to honor their insurance commitments.

Distinguishing itself from conventional hypotheses-driven and factor-centric models, BHM integrates consumer beliefs, thus enriching comprehension and decision-making insights.

The purpose of this study is to identify Offshore Wind Energy (OWE) as a key technology that could drive countries toward achieving climate goals. However, there are multiple challenges that this sector faces.

This study aims to identify the challenges faced by the sector globally by systematically reviewing the existing literature in global context and portraying it in the Indian context. Factors are identified using content analysis.

Results suggest high levelized cost of energy as the most discussed challenge for the growth of OWE. Insufficient financial support and policy, initial capital and inadequate technology formed the second, third and fourth most discussed challenges respectively.

To reduce the cost of OWE, the distribution companies in India could adopt feed-in tariffs (FiTs) in the early stages of development and make OWE procurement mandatory. The renewable purchase obligation (RPO) in India is specific to solar and non-solar; policy should accommodate offshore wind-specific RPO targets for each state to reach the 2030 target of 30 GW from OWE.

To the best of the authors’ knowledge, this is the first attempt to study the challenges of OWE development from a global perspective and portray these major challenges in the Indian context and uses content analysis from the existing literature to ascertain the major roadblocks for the development of OWE.

The study identifies the unexplored gap in literature that includes futuristic challenges for OWE from climate change. Future studies can explore the possibilities of forecasting based on climate change scenarios and rank the challenges based on their relevance caused by possible damages.

The paper aims to enhance the understanding of robust food supply chains (FSC) by exploring the capabilities of various digital technologies and examining their interactions.

This study finding shows that digital technology enhances the resilience of the FSC by improving visibility, traceability and adaptability. This resilience provides a competitive advantage, ultimately enhancing the overall business performance.

In developing countries, inadequate infrastructure, poor Internet connectivity and diverse stakeholder systems pose challenges to implementing advanced digital solutions in the FSC.

This paper is among the first to investigate the impact of digital technology on FSC resilience, exploring visibility, flexibility and collaboration.

The practices of sustainable and responsible investment (SRI) among Islamic financial institutions (IFIs) nowadays still rely on the existing environmental, social and governance (ESG) criteria. However, based on observation, some of the existing criteria listed by the reports of certain authorities and organizations do not seem to be aligned with Shariah principles. Therefore, this study aims to investigate those criteria to help develop Islamic-SRI (i-SRI) criteria based on the ESG concept.

This study adopted the qualitative method via content analysis of documents and interviews with experts.

Based on the analysis, a set of i-SRI criteria is developed based on the ESG concept, of which 33 elements are environmental, 50 elements are social and 26 elements are governance issues. Overall, this study finds that there is no obvious contradiction with the Islamic philosophy in the existing ESG criteria, with the exception of four criteria, i.e. promoting human rights, freedom of expression, freedom of censorship and freedom of association under social criteria. These four existing criteria are not aligned with Islamic teaching and not appropriate with Islamic ESG criteria.

The creation of Islamic ESG criteria can assist relevant authorities to improve the current ESG criteria and to embed an Islamic perspective within it.

This study developed a set of i-SRI criteria, which may be suitable as a source of reference to relevant parties.

The purpose of this paper is to study and analyze the effects of fly ash (FA) as a mineral admixture on compressive strength (CS), carbonation resistance and corrosion resistance of reinforced concrete (RC). In addition, the utilization of inexpensive and abundantly available FA as a cement replacement in concrete has several benefits including reduced OPC usage and elimination of the FA disposal problem.

Reinforcement corrosion and carbonation significantly affect the strength and durability of the RC structures. Also, the utilization of FA as green corrosion inhibitors, which are nontoxic and environmentally friendly alternatives. This review discusses the effects of FA on the mechanical characteristics of concrete. Also, this review analyzes the impact of FA as a partial replacement of cement in concrete and its effect on the depth of carbonation in concrete elements and the corrosion rate of embedded steel as well as the chemical composition and microstructure (X-ray diffraction analysis and scanning electron microscopy) of FA concrete were also reviewed.

This review provides a clear analysis of the available study, providing a thorough overview of the current state of knowledge on this topic. Regarding concrete CS, the findings indicate that the incorporation of FA often leads to a loss in early-age strength. However, as the curing period increased, the strength of fly ash concrete (FAC) increased with or even surpassed that of conventional concrete. Analysis of the accelerated carbonation test revealed that incorporating FA into the concrete mix led to a shallower carbonation depth and slower diffusion of carbon dioxide (CO₂) into the concrete. Furthermore, the half-cell potential test shows that the inclusion of FA increases the durability of RC by slowing the rate of steel-reinforcement corrosion.

This systematic review analyzes a wide range of existing studies on the topic, providing a comprehensive overview of the research conducted so far. This review intends to critically assess the enhancements in mechanical and durability attributes (such as CS, carbonation and corrosion resistance) of FAC and FA-RC. This systematic review has practical implications for the construction and engineering industries. This can support engineers and designers in making informed decisions regarding the use of FA in concrete mixtures, considering both its benefits and potential drawbacks.