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The annual financial statements of ten life insurance companies covering a period of 11 years (2000‐2010) were sampled and analyzed through panel regression.&#13;
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–&#13;
The findings indicate that whereas gross written premiums have a positive relationship with insurers' sales profitability, its relationship with investment income is a negative one. Also, the results showed that life insurers have been incurring large underwriting losses due to overtrading and price …</text>
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                <text>Evaluating the financial sector of emerging markets based on digital technology evolution is crucial, as the market tends to exhibit greater fragility than in the developed markets. As a result, this study is conducted to provide a deeper understanding of the old and new realities of the financial sector of emerging markets and conducts both qualitative and quantitative analyses of technology impacts on financial sector of emerging markets. Further, the study has developed models to help emerging markets leverage digital technology to achieve sustainable financial sector growth. In addition, the SmartPLS modeling was applied to show the linkages between the characteristics of the financial sector in emerging markets and digital technologies.</text>
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