Dr SHANTHI P, Dr M SURESH, Dr. B. BHAVYA, Dr. DHIVYA SATHISH, Dr. SUNDARAPANDIYAN NATARAJAN, & Dr. DEEPIKA M. (2026). DIGITAL TRANSFORMATION IN INSURANCE COMMERCE: CONSUMER ADOPTION PATTERNS AND MARKET IMPLICATIONS. International Insurance Law Review, 34(S1), 379-395. https://doi.org/10.65677/