“To ensure fast growth-trend of bank-led digital-transactions in Indonesian: Seeking for motivational efforts adopting voluntary insurance policies”, Forum. Econ. Fin. Stud., vol. 2, no. 4, Dec. 2024, Accessed: Jan. 28, 2026. [Online]. Available: https://journal.arsl-pub.com/index.php/FEFS/article/view/25