The life market is heavily featured this month, firstly, with the IFC paper looking at how InsurTech can close the gap in emerging markets.

The Morgan Stanley paper looks at how life insurance distribution needs to be overhauled globally if it is to be fit for purpose.

Meanwhile, the McKinsey paper looks at specific structural weaknesses in China’s post digital life distribution model and suggests professionalisation is the next step that should be taken.

A KPMG paper into operational efficiency shows there is still an awful lot of work to do to get the global insurance industry under full steam towards its transformation destination.

An encouraging paper from the Bank of England suggests it is already building on momentum from the report produced by the UK government’s Digital Competition Expert Panel and will push ahead to improve the very infrastructure the economy relies on.

Next is DFIN’s paper which suggests that those constructing/remodelling a nation’s financial infrastructure should be looking at standard reporting and its effectiveness in, for instance, the Netherlands, Australia and Estonia.

Meanwhile the ORF report looks at the opportunities and challenges of overhauling the digital payment system in India’s burgeoning markets.

There is an interesting study from Economy & Society by Liz McFall on the potential consequences for using data from tracking devices on the healthcare sector.

Finally, Capgemini makes a case for the use of digital FNOL systems in transforming insurers’ claims and settlement processes.