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