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Open research questions in Insurance and Financial Risk Management

139 gap statements mined from Insurance and Financial Risk Management papers in our 7.9M-paper local library, which holds 2,083 papers on the topic — drawn mostly from each paper's own stated research gap, future-work, challenge and limitation notes, and its abstract. The ones listed below are a selection still marked open; each names the study that raised it, with a DOI link where the paper has one.

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What the literature leaves open

  • The substantive content of the offence of insurance fraud is poorly defined, as highlighted by case law, and there are general challenges regarding procedural aspects of prosecution for this offence.

    An assessment of the legal framework on insurance frauds in Mauritius: a comparative approach with the UK · 2025 · DOI

  • The sector's contribution to the national economy is not fully understood.

    ANALISIS FAKTOR-FAKTOR PENDAPATAN PREMI, BEBAN KLAIM, DAN INVESTASI ASURANSI TERHADAP PDB DI INDONESIA · 2026 · DOI

  • Further research can be conducted to explore the impact of demographic variables on policyholder perception. Further research can be conducted to develop and test interventions aimed at improving consumer education and product transparency.

    A Study on Policyholder Perception Towards Ulip Vs Endowment Policies · 2026 · DOI

  • There is a need to evaluate the operational efficiency of standalone health insurance companies in India. The study identifies a gap in the existing literature on the operational performance of health insurance companies.

    Operational Efficiency of Standalone Health Insurance Companies in India – A Study · 2026 · DOI

  • Second, interest rate policy should balance inflation control with the need to avoid excessive crowding out of equity investment. Third, exchange rate management should aim for credibility and reduced volatility rather than short lived administrative stability. Investors are more likely to price insurance stocks fairly when currency expectations are less uncertain.

    Macroeconomic Aggregates and Insurance Stock Returns in Nigeria, 1996 To 2025 Evidence from Listed Insurance Firms on the Nigerian Exchange · 2026 · DOI

  • The gap is related to the lack of knowledge about the adjustments made by affected insurers.

    US property casualty insurers' responses to mega natural disasters · 2026 · DOI

  • Addressing the lack of standardization in insurance data and processes.

    Public Property Insurance Systems in EU Countries and Possibilities for Using AI in Insurance · 2026 · DOI

  • The study is based on a systematic review of existing literature and does not involve primary data collection. The analysis is limited to EU countries and may not be generalizable to other regions.

    Public Property Insurance Systems in EU Countries and Possibilities for Using AI in Insurance · 2026 · DOI

  • The lack of understanding of the implications of AI on African insurance markets.

    AI and the African Insurance Market · 2026 · DOI

  • The lack of development of tourism insurance in Azerbaijan. The need for a study to analyze the development characteristics of tourism insurance in Azerbaijan and identify its main development directions.

    AZƏRBAYCANDA TURİZM SIĞORTASININ İNKİŞAF İSTİQAMƏRTLƏRİ · 2026 · DOI

  • The reach of the PDPL in the area of cyber insurance policies is still limited. Policies are not designed to specifically address data breach risks. The cyber insurance market in Türkiye is still developing.

    A Comparative Analysis of Insurance Protection Strategies Against Cyber Threats in Türkiye and the European Union · 2026 · DOI

  • There is a lack of understanding of the risk management strategies employed by loss adjuster companies in handling natural disaster claims. There is a need to analyze the subjective experience of loss adjusters in handling natural disaster claims.

    Analysis of Risk Management Strategies in the Handling of Natural Disaster Claims: A Phenomenological Study of Loss Adjuster Companies in Indonesia · 2026 · DOI

  • The study identifies a need to examine the financial performance of standalone health insurance companies in India. The study aims to provide valuable insights into the financial health and operational performance of Star Health Insurance.

    Financial Performance of Star Health Insurance - A Study · 2026 · DOI

  • Three operational the SGK should institutionalize a quarterly actuarial dashboard that monitors the monthly payment increase rate (C2) against premium inflows and triggers review when the gap exceeds a defined threshold. Second, targeted formalization campaigns should prioritize the self-employed (4/b) segment, whose contribution base (C5) proved the most volatile across quarters.

    Periodic Performance Analysis of Social Security Schemes in Türkiye: An Evaluation Using CRITIC, MOORA And TOPSIS Approaches · 2026 · DOI

  • The study also identifies a need for further research on the challenges facing the industry, such as low insurance penetration and fraudulent claims.

    Growth and Structural Changes in India's General Insurance Business: A Post-Millennial Analysis · 2026 · DOI

  • These processes are little known and are the focus of analysis of this paper, with the aim of enabling comparison at international level.

    The emergence of financial capital in the health insurance business in Europe: The case of Spain in the last fifty years · 2024 · DOI

  • The paper notes that the current regulatory frameworks assume that the required buffer capital is held in risk-less one-year bonds.

    Cost-of-capital valuation with risky assets · 2026 · DOI

  • The study notes that determining the importance ranking and weights of criteria can be complex. The study identifies the risk of overfitting and biased estimates arising from the number of instrumental variables. The study notes that the leverage ratio remains variable and has the lowest impact in the analysis.

    ESG and Profitability in the Global Insurance Industry · 2026 · DOI

  • The Z-score may be a useful early warning indicator for micro prudential supervision.

    Exploring the Z-score Metrics in Determining the Financial Soundness of Insurance Firms in Nigeria · 2026 · DOI

  • Limited distribution infrastructure and high administrative costs.

    AI and the African Insurance Market · 2026 · DOI

  • The highest-ranked challenges—such as Inadequate IT infrastructure (mean = 9), Insufficient knowledge in the industry (mean = 9), Insufficient budget for related software (mean = 9), Lack of a clear and coherent digital strategy (mean = 9), Resistance by employees (mean = 9), Poor strategic implementation (mean = 9), and Regulatory requirements (mean = 9)—highlight the dominance of technological and financial…

    Digital Transformation in the Insurance Industry: Challenges and Strategic Insights · 2026 · DOI

  • Future opportunities involving AI-driven insurance ecosystems - Future opportunities involving predictive and prescriptive analytics - Future opportunities involving cloud-based insurance…

    The Role of Real-Time Analytics in Modern Insurance Decision-Making · 2026 · DOI

  • Traditional insurance systems rely on delayed reporting and historical analysis - There is a need for real-time analytics to improve decision-making…

    The Role of Real-Time Analytics in Modern Insurance Decision-Making · 2026 · DOI

  • Further analysis of the impact of ESG factors on firm performance in other industries, - Investigation of the effects of COVID-19 pandemic on insurance companies, - Comparison of the System GMM method with other panel data analysis…

    ESG and Profitability in the Global Insurance Industry · 2026 · DOI

  • The study identifies a gap in the literature regarding the effect of low insurance literacy and service levels on digital business performance. The study aims to fill this gap by analyzing the effect of these variables on digital business performance.

    The Effect of Low Insurance Literacy and Service Levels through Technological Innovation on Digital Business Performance at PT. Asuransi Tri Pakarta · 2026 · DOI

Most-cited papers in Insurance and Financial Risk Management

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This page shows what the Insurance and Financial Risk Management literature already flags as unresolved. To narrow it to your specific question, search the Research Gap Finder: the search is free with a free account and lists the papers closest to your topic first. Unlocking that topic (50 credits, charged once) fills the comparison table from our 7.9M-paper local library and writes the gaps from its rows.

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Open questions raised by papers listed on this page include: (1) The sector's contribution to the national economy is not fully understood (“ANALISIS FAKTOR-FAKTOR PENDAPATAN PREMI, BEBAN KLAIM, DAN INVESTASI ASURANSI…”, 2026); (2) There is a need to evaluate the operational efficiency of standalone health insurance companies in India (“Operational Efficiency of Standalone Health Insurance Companies in India – A…”, 2026); (3) The gap is related to the lack of knowledge about the adjustments made by affected insurers (“US property casualty insurers' responses to mega natural disasters”, 2026); (4) Addressing the lack of standardization in insurance data and processes (“Public Property Insurance Systems in EU Countries and Possibilities for Using…”, 2026); (5) The lack of understanding of the implications of AI on African insurance markets (“AI and the African Insurance Market”, 2026). 139 gap statements have been mined from Insurance and Financial Risk Management papers in our 7.9M-paper local library, which holds 2,083 papers on the topic; the gaps come from whichever of those papers state one. They are mostly the research gaps the authors state and the papers' abstracts, plus future-work, limitations and challenges passages. The ones listed below are a selection still marked open; each names the study that raised it, with a DOI link where the paper has one, so you can read the original claim in context.

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