Integrating Innovation with Tradition: Drones and Takaful in Mass Disaster Victim Identification
Keywords:
maqasid shariah, qualitative research, victim identification, takaful operators, disaster management, drone technologyAbstract
The adoption of drone technology by takaful operators for disaster victim identification represents a promising advancement in disaster management. This qualitative study investigates the perspectives of key stakeholders on integrating drones into takaful practices during mass disasters. Through in-depth interviews with subject matter experts—including accounting professionals, shariah scholars, drone technologists, first responders, actuaries, financial regulators, takaful operators, and loss adjusters—this research explores the multifaceted considerations influencing drone adoption. Thematic analysis of the interview data, conducted using ATLAS.ti, reveals critical insights into technological benefits, operational challenges, regulatory compliance, ethical concerns, and shariah compatibility. Experts highlight the potential of drones to enhance the efficiency and accuracy of victim identification, which aligns with the takaful principle of mutual assistance. However, significant barriers such as regulatory hurdles, data privacy issues, and the need for shariah-compliant frameworks are identified. The study provides a comprehensive understanding of the enablers and obstacles in adopting drone technology from a takaful perspective, offering strategic recommendations to address these challenges. By fostering collaboration among technology developers, regulatory authorities, and takaful operators, this research underscores the importance of an integrated approach to improve disaster response and victim identification processes. The findings contribute to the evolving discourse on the intersection of technology and takaful, paving the way for innovative and ethical disaster management solutions.
References
Al-Jayyousi, O., Tok, E., Saniff, S. M., Wan Hasan, W. N., Janahi, N. A., & Yesuf, A. J. (2022). Re-thinking sustainable development within Islamic worldviews: a systematic literature review. Sustainability, 14(12), 7300.
Browen, D. (2009). Document analysis as a qualitative research method. Qualitative Research Journal, 9(2), 27-40.
Burn, A. (1995). Essential study skills: The complete guide to success at university. SAGE Publications.
Chen, Y. F. (2011). A Study of Acceptance of Technology for Banking Industry. Journal of Business Economics and Management, 12(1), 53-72.
Chupun Gowanit Natcha Thawesaengskulthai Peraphon Sophatsathit Thitivadee Chaiyawat. (2016). "Mobile claim management adoption in emerging insurance markets: an exploratory study in Thailand", International Journal of Bank
Creswell, J.W. (2003). Research Design: Qualitative, quantitative and mixed methods approach. Second Edition. California: Sage Publications.
Creswell, J.W. (2009), Research Design: Qualitative, quantitative and mixed methods approaches. Third edition. California: Sage Production.
Daud, S. M. S. M., Yusof, M. Y. P. M., Heo, C. C., Khoo, L. S., Singh, M. K. C., Mahmood, M. S., & Nawawi, H. (2022). Applications of drone in disaster management: A scoping review. Science & Justice, 62(1), 30-42.
Davis, F. D. (1989). Perceived Usefulness, Perceived Ease of Use, and User Acceptance of Information Technology. MIS Quarterly, 13(3), 319-340.
Denzin, N. K., & Lincoln, Y. S. (2005). Introduction: The discipline and practice of qualitative research. In N. K. Denzin & Y. S. Lincoln (Eds.), The Sage handbook of qualitative research (3rd ed., pp. 1-32). SAGE Publications.
Gomez, N. (2018). Delays in insurance claims process: A case study. International Journal of Advanced Science and Research, 3(1), 32-36.
Guillerme, S., Barcet, H., de Munnik, N., Maire, E., & Marais-Sicre, C. (2020). Evolution Of Traditional Agroforestry Landscapes And Development Of Invasive Species: Lessons From The Pyrenees (France). Sustainability Science, 15(5), 1285-1299.
Hallegate, S., & Nante, N. (2006). Technology Acceptance Model (TAM): Theoretical extensions & theoretical modifications as an adaption. Journal of Computer-Mediated Communication, 11(4), 1312-1337.
Liu, W., Fu, Z., Zhu, Y., Li, Y., Sun, Y., Hong, X., ... & Liu, M. (2024). Co-making the future: crafting tomorrow with insights and perspectives from the China-US young maker competition. International Journal of Technology and Design Education, 1-21.
Malaysia Insurance Online. (2018). How Drones Are Improving The Insurance Industry In Malaysia. Malaysia Insurance Online. Retrieved from http://www.malaysiainsurance.info.
Marquand, B. (2017). Making An Insurance Claim? Expect To See A Drone. Retrieve from, https://www.marketwatch.com/story/making-an-insurance-claim-expect-to-see-a-drone-2017-07-12
Megan, M. (2017). Helping Policyholders To Recover From Catastrophes. The Star.
Meriam, S.B., & Tisdel, E.J. (2016). Qualitative Research: A Guide To Design An Implementation. San Francisco: John Wiley.
Muhamat, A. A., et al. (2018). "Determinants of Claims for Takaful Householder and House owner Policies." Journal of Wealth Management & Financial Planning 5: 25-36.
Muhamat, A. A., Jaafar, M. N., & Alwi, S. F. (2017). Takaful Claims Management Process: Exploratory study in Malaysia. Advanced Science Letters, 23(9), 8404-8408.
NST. (2019). Malaysia's takaful sector to miss lofty target but its potential remains vast. Retrieve from https://www.nst.com.my/business/2019/03/470543/malaysias-takaful-sector-miss-lofty-target-its-potential-remains-vast
Patton, M. Q. (2002). Qualitative Research And Evaluation Methods (3rd ed.). SAGE Publications.
Renaud, K. V. (2008). Factors Influencing User Perceptions of a WAP service. Journal of Computer Information Systems, 48(2), 85-94.
Reuters. (2014, December 26). Record numbers evacuated in Malaysia's worst floods in decades. Retrieved from Reuters Business and Financial News: https://www.reuters.com/article/us-malaysia-floods/record-numbers-evacuated-in-malaysias-worst-floods-in-decades-idUSKBN0K402S20141226
Shmat (2018). Taking to the skies-using drones in the insurance industry. Retrieved from https://www.cio.com/article/3252093/taking-to-the-skies-using-drones-in-the-insurance-industry.html
Slade, E. L., Williams, A. D., & Dwidei, S. A. (2013). Theory Reason Action (TRA) and the Theory of Planned Behaviour (TPB): Technology Acceptance Model (TAM). Journal of Social Psychology, 149(6), 701-706.
Strauss, A. L., & Corbin, J. M. (2008). Basics of qualitative research: Techniques and procedures for developing grounded theory. SAGE Publications.
Therese, M. P. (2017). Enhancing the Theory of Technology Acceptance Model (TAM) for Banking Industries. Journal of Business Research, 10(4), 45-53.
Vilaro, M. J., Wilson-Howard, D. S., Zalake, M. S., Tavassoli, F., Lok, B. C., Modave, F. P., & Krieger, J. L. (2021). Key changes to improve social presence of a virtual health assistant promoting colorectal cancer screening informed by a technology acceptance model. BMC medical informatics and decision making, 21(1), 196.
