iky, Z., Vira mauliana, and Muhammad Fauzan. “THE ROLE OF INSURTECH IN IMPROVING ACCESS TO DIGITAL INSURANCE SERVICES A STUDY ON THE QOALA APPLICATION”. MANKEU (JURNAL MANAJEMEN KEUANGAN), vol. 3, no. 4, Dec. 2025, pp. 230-4, doi:10.61167/mnk.v3i4.257.