A CONCEPTUAL FRAMEWORK FOR INSURTECH READINESS IN MICROTAKAFUL SECTOR. iBAF e-Proceedings, [S. l.], v. 12, n. 1, p. 116–126, 2026. DOI: 10.33102/2hxjk219. Disponível em: https://epibaf.usim.edu.my/index.php/eproceeding/article/view/120. Acesso em: 31 oct. 2026.