Dr. Arjun Patel (2025) “Regulating Trust: Data Governance, Explainable AI, and the Future of Insurance Innovation”, International Multidisciplinary Journal for Research & Development, 12(09), pp. 607–615. Available at: https://www.ijmrd.in/index.php/imjrd/article/view/4207 (Accessed: 13 January 2026).