BUDHIALON, P. R.; AZHARI, I.; JOHANES RMP, T.; RAKHMAN, S. Strengthening Competitiveness Strategy Of PT RAR In Facing Challenges Of Financial Literacy, Digital Transformation, And Competition In The General Insurance Industry In Indonesia. Jurnal Multidisiplin Sahombu, [S. l.], v. 5, n. 01, p. 250–261, 2025. Disponível em: https://ejournal.seaninstitute.or.id/index.php/JMS/article/view/6205. Acesso em: 9 aug. 2026.