DR SHANTHI P; DR M SURESH; DR. B. BHAVYA; DR. DHIVYA SATHISH; DR. SUNDARAPANDIYAN NATARAJAN; DR. DEEPIKA M. DIGITAL TRANSFORMATION IN INSURANCE COMMERCE: CONSUMER ADOPTION PATTERNS AND MARKET IMPLICATIONS. International Insurance Law Review, Sussex, U.K., v. 34, n. S1, p. 379–395, 2026. DOI: 10.65677/. Disponível em: https://lumarpub.com/iilr/article/view/330. Acesso em: 12 feb. 2026.