Nemati, Saeid, Abdollah Naami, Leila Karimian, and Mohammad Nasrollahnia. “A Business Model Based on the Digital Innovation Approach in the Insurance Industry”. Journal of Management and Business Solutions 3, no. 6 (November 10, 2025): 1–15. Accessed January 15, 2026. https://journalmbs.com/index.php/jmbs/article/view/100.