In this edition of Frontiers in Finance we look closely at the digital enterprise – how new technology and digital labour can help financial institutions cope with regulations, financial inclusion and delivering cost efficient products and services.

Executives today are looking at how to bring innovation alive in financial services, and create organizations that balance today’s customer needs with preparation for a future that could look very different. The adoption rate of technological innovations increases as they are proven successful, and the difficulty for management is to assess when, and how boldly, to place their bets. Leaders in financial services have to determine the fundamental business cases for these new enabling technologies; as well as when and how to adopt them. Should they be pioneers, fast followers or skeptical observers, allowing others to take the lead in the first wave of introduction? The articles in this edition will focus more closely on some of these opportunities.

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• The rise of the humans and the future of digital labor in banking

Should decision-makers thinking about the future be pessimistic or optimistic about the impact new technology may have?

• Governments' role in the evolution of fintech

As fintech startups scale to prominence, the question is: what role should governments play in supporting and promoting the fintech sector?

• The innovation imperative continues

Investor interest in insurtech, the cutting-edge technologies helping to change the face of insurance, is exploding, and is poised for more growth in the year ahead.

• Can banks win the fight for home loan customers?
• Making automation work: Insurers adopt digital labor
• The transformative power of regtech
• Insurers are on the road to strategy-aligned deal-making
• Making a strategic lane change: An interview with Chris Wei, Aviva