Dr SHANTHI P, Dr M SURESH, Dr. B. BHAVYA, Dr. DHIVYA SATHISH, Dr. SUNDARAPANDIYAN NATARAJAN, and Dr. DEEPIKA M, “DIGITAL TRANSFORMATION IN INSURANCE COMMERCE: CONSUMER ADOPTION PATTERNS AND MARKET IMPLICATIONS”, Int. Ins. Law. Rev., vol. 34, no. S1, pp. 379–395, Feb. 2026, doi: 10.65677/.