TDRI Quarterly Review (September 2018) 16 November 201827 January 2024tdriQuaterly Review, PublicationThailand 4.0, Workforce, Phasith Phatchana, Wannapha Kunakornvong, Worawan Chandoevwit, Saowaruj Rattanakhamfu, ICT, Yos Vajragupta, insurance, Thailand