To ensure fast growth-trend of bank-led digital-transactions in Indonesian: Seeking for motivational efforts adopting voluntary insurance policies. Forum for Economic and Financial Studies, [S. l.], v. 2, n. 4, 2024. Disponível em: https://journal.arsl-pub.com/index.php/FEFS/article/view/25. Acesso em: 28 jan. 2026.