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Open research questions in Insurance and Financial Risk Management

153 unresolved questions extracted from the limitations and future-work sections of 1,769 Insurance and Financial Risk Management papers in our library. Each links back to the study that raised it.

What the literature leaves open

  • One challenge is the lack of systematic assessment of withdrawal symptoms in prior studies. Another challenge is the methodological weakness of prior studies, such as relying on spontaneous adverse event reports. The authors also highlight the challenge of underestimating the incidence of individual withdrawal symptoms by relying on spontaneous reporting of adverse effects.

    False reassurances based on inadequate data not helpful · 2025 · DOI

  • improvements needed in clinical research - higher-quality, informative studies involving people who had used antidepressants for longer periods are needed

    False reassurances based on inadequate data not helpful · 2025 · DOI

  • The study found conflicting results for financial sector stability’s impact on adjusted net savings and the sustainable development index.

    Operational risk management, financial sector stability and sustainable development in West Africa · 2024 · DOI

  • The insurance industry in Indonesia faces challenges with a low penetration rate. 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

  • The paper identifies a gap in the literature regarding the quantitative assessment of the effect of allowing investments of buffer capital in risky assets. 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

  • Legacy systems and inadequate IT infrastructure. Limited software capabilities and high maintenance costs. Resistance to change and poor communication. Insufficient employee readiness and lack of coherent digital strategies.

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

  • investigating the impact of digital transformation on specific insurance products, - analyzing the role of regulatory bodies in facilitating digital transformation, - exploring the potential of emerging technologies in the insurance industry

    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 infrastructures

    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 processes

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

  • Future research could improve hazard modelling by incorporating tipping point effects. Future research could conduct sensitivity analyses to account for the high degree of uncertainty in tipping point effects.

    Dynamic Financial Analysis (DFA) of general insurers under climate change · 2026 · DOI

  • Traditional DFA does not consider the impact of climate change. There is a need for a framework that integrates climate risk into DFA.

    Dynamic Financial Analysis (DFA) of general insurers under climate change · 2026 · DOI

  • The complexity of insurance products can make it difficult for policyholders to make informed decisions. The lack of transparency in insurance products can make it difficult for policyholders to understand the terms and conditions.

    A Study on Policyholder Perception Towards Ulip Vs Endowment Policies · 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

  • Future studies can investigate the relationship between macroeconomic aggregates and insurance stock returns in other countries. Future studies can examine the effects of other macroeconomic variables on insurance stock returns. Future studies can use different methodologies to examine the relationship between macroeconomic aggregates and insurance stock returns.

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

  • The study identifies a gap in the literature on the relationship between macroeconomic aggregates and insurance stock returns in Nigeria. The study highlights the need for more research on the insurance sector in Nigeria.

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

  • The study identifies coordination deficiencies as a challenge in disaster management. The study identifies lack of public awareness as a challenge in disaster management. The study identifies supervision problems as a challenge in disaster management.

    RİSK TOPLUMUNDA SAKINIM POLİTİKASI: AFETLERE KARŞI ÖNLEYİCİ YAKLAŞIMLAR · 2026 · DOI

  • The study does not provide a comprehensive analysis of the effectiveness of disaster prevention policies. The study is limited to the Turkish context and may not be generalizable to other countries. The study relies on document analysis technique and may not capture the complexities of disaster management.

    RİSK TOPLUMUNDA SAKINIM POLİTİKASI: AFETLERE KARŞI ÖNLEYİCİ YAKLAŞIMLAR · 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

  • 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 techniques

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

  • The application of Z-score metrics in determining the financial soundness of insurance firms in Nigeria is relatively new and underexplored. There is a need for a study that compares different Z-score approaches to examine which one best fits insurance companies.

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

  • 5.2 The Z-score may be a useful early warning indicator for micro prudential supervision. In addition to being an indicator of the soundness of insurers simpler than those established in the current 246 INTERNATIONAL JOURNAL OF TECHNOLOGY, MANAGEMENT AND CONTEMPORARY STUDIES A PUBLICATION OF INSTITUT UNIVERSITAIRE NOBEL (IUN), TOGO EMAIL: [email protected] Volume-01 | Issue-01 | April, 2026 regulation, the information provided by this accounting-based measure may help analysts and investors obtain a better understanding of insurance firms’ risk factors. It is therefore recommended that the Z-score model be used for internal financial supervision use by insurance companies in Nigeria. 5.3 Implication of the Study (Theoretical, Practical, Managerial and Policy Implications) The Z-score may be a useful early warning indicator for micro-prudential supervision. In addition to being an indicator of the soundness of insurers simpler than those established in the current regulation, the information provided by this accounting-based measure may help analysts and investors obtain a better understanding of insurance firms’ risk factors.

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

  • The study identifies a gap in understanding how insurers respond to mega natural disasters. 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

  • The study's methodological constraints must be balanced against the interpretive claims. The strength of the claims is limited by the study's methodology.

    Disposable income and acquisition costs as drivers of CASCO insurance demand: an empirical analysis of the Polish market · 2026 · DOI

  • Further research can explore the impact of other factors on insurance demand. The study's methodology can be applied to other markets to understand the drivers of insurance demand.

    Disposable income and acquisition costs as drivers of CASCO insurance demand: an empirical analysis of the Polish market · 2026 · DOI

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153 open questions have been extracted from the limitations and future-work passages of 1,769 Insurance and Financial Risk Management papers in our library. Each one below links back to the study that raised it, so you can read the original claim in context.

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