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easat-10813	www.deloitte.com	https://www.deloitte.com/us/en/insights/industry/technology/digital-media-trends-consumption-habitssurvey/2025.html
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easat-10813	www.deloitte.com	https://www.deloitte.com/us/en/insights/industry/technology/digital-media-trends-consumption-habits-survey/2025.html
easat-10813	www.deloitte.com	https://www.deloitte.com/us/en/insights/industry/technology/digital-media-trends-consumption-habits-survey/2025.html
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easat-10813	doi.org	https://doi.org/10.1080/23311975.2024.2329375
easat-10813	doi.org	https://doi.org/10.1016/j.techsoc.2024.102521
easat-10813	doi.org	https://doi.org/10.20525/ijrbs.v11i4.1781
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easat-10813	www.resbank.co.za	https://www.resbank.co.za/en/home/publications/publication-detail-pages/quarterly-bulletins/quarterly-bulletinpublications/2024/december
easat-10813	doi.org	https://doi.org/10.1108/ijoem-08-2022-1225
easat-10813	aa.co.za	https://aa.co.za/dont-take-the-insurance-bait-cheaper-is-not-always-better-2/
easat-10813	www.oecd.org	https://www.oecd.org/content/dam/oecd/en/publications/reports/2025/06/oecd-economic-surveys-southafrica-2025_977f0fed/7e6a132a-en.pdf
easat-10813	doi.org	https://doi.org/10.17159/22257160/2023/v56a7
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easat-10813	doi.org	https://doi.org/10.1037/hea0001153
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easat-10813	doi.org	https://doi.org/10.1016/j.techsoc.2024.102521
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easat-10813	www.resbank.co.za	https://www.resbank.co.za/en/home/publications/publication-detail-pages/quarterly-bulletins/quarterly-bulletin-publications/2024/december
easat-10813	www.resbank.co.za	https://www.resbank.co.za/en/home/publications/publication-detail-pages/quarterly-bulletins/quarterly-bulletin-publications/2024/december
easat-10813	doi.org	https://doi.org/10.1108/ijoem-08-2022-1225
easat-10813	aa.co.za	https://aa.co.za/dont-take-the-insurance-bait-cheaper-is-not-always-better-2
easat-10813	www.oecd.org	https://www.oecd.org/content/dam/oecd/en/publications/reports/2025/06/oecd-economic-surveys-south-africa-2025_977f0fed/7e6a132a-en.pdf
easat-10813	www.oecd.org	https://www.oecd.org/content/dam/oecd/en/publications/reports/2025/06/oecd-economic-surveys-south-africa-2025_977f0fed/7e6a132a-en.pdf
easat-10813	doi.org	https://doi.org/10.17159/2225-7160/2023/v56a7
easat-10813	doi.org	https://doi.org/10.17159/2225-7160/2023/v56a7
easat-10813	datareportal.com	https://datareportal.com/reports/digital-2024-south-africa
easat-10813	doi.org	https://doi.org/10.1037/hea0001153
easat-10813	doi.org	https://doi.org/10.1007/s10796-021-10106-y
easat-10813	doi.org	https://doi.org/10.1016/j.nlp.2023.100027
easat-10813	doi.org	https://doi.org/10.3390/jtaer20030186
easat-10813	doi.org	https://doi.org/10.1016/j.dss.2023.113963
easat-10813	doi.org	https://doi.org/10.1504/ijbir.2025.145595
easat-10813	doi.org	https://doi.org/10.1108/emjb-05-2020-0046
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easat-10813	doi.org	https://doi.org/10.1108/jfbm-10-2021-0135
easat-10813	doi.org	https://doi.org/10.1016/j.chb.2022.107545
easat-10813	doi.org	https://doi.org/10.52783/eel.v14i3.1845
easat-10813	doi.org	https://doi.org/10.1108/agjsr-04-2022-0011
easat-10813	doi.org	https://doi.org/10.1186/s43093-025-00529-3
easat-10813	doi.org	https://doi.org/10.1108/prr-07-20220097
easat-10813	www.iaisweb.org	https://www.iaisweb.org/uploads/2022/01/180726-draft-issues-paper-on-the-increasing-use-of-digitaltechnology-in-insurance-and-its-potential-impact-on-consumer-outcomes.pdf
easat-10813	www.accenture.com	https://www.accenture.com/content/dam/accenture/final/accenture-com/document/accenture-insuranceconsumer-study-2021.pdf
easat-10813	doi.org	https://doi.org/10.1016/j.dss.2023.113963
easat-10813	doi.org	https://doi.org/10.1504/ijbir.2025.145595
easat-10813	doi.org	https://doi.org/10.1108/emjb-05-2020-0046
easat-10813	doi.org	https://doi.org/10.30574/wjarr.2024.23.1.1998
easat-10813	doi.org	https://doi.org/10.3390/info15060359
easat-10813	doi.org	https://doi.org/10.1108/jfbm-10-2021-0135
easat-10813	doi.org	https://doi.org/10.1016/j.chb.2022.107545
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easat-10813	doi.org	https://doi.org/10.1108/agjsr-04-2022-0011
easat-10813	doi.org	https://doi.org/10.1186/s43093-025-00529-3
easat-10813	doi.org	https://doi.org/10.1108/prr-07-2022-0097
easat-10813	doi.org	https://doi.org/10.1108/prr-07-2022-0097
easat-10813	www.iaisweb.org	https://www.iaisweb.org/uploads/2022/01/180726-draft-issues-paper-on-the-increasing-use-of-digital-technology-in-insurance-and-its-potential-impact-on-consumer-outcomes.pdf
easat-10813	www.iaisweb.org	https://www.iaisweb.org/uploads/2022/01/180726-draft-issues-paper-on-the-increasing-use-of-digital-technology-in-insurance-and-its-potential-impact-on-consumer-outcomes.pdf
easat-10813	www.accenture.com	https://www.accenture.com/content/dam/accenture/final/accenture-com/document/accenture-insurance-consumer-study-2021.pdf
easat-10813	www.accenture.com	https://www.accenture.com/content/dam/accenture/final/accenture-com/document/accenture-insurance-consumer-study-2021.pdf
easat-10813	doi.org	https://doi.org/10.1186/s43093-025-00499-6
easat-10813	doi.org	https://doi.org/10.3346/jkms.2023.38.e291
easat-10813	doi.org	https://doi.org/10.7748/nr.2022.e1848
easat-10813	doi.org	https://doi.org/10.1002/jtr.2511
easat-10813	doi.org	https://doi.org/10.1186/s43093-025-00499-6
easat-10813	doi.org	https://doi.org/10.3346/jkms.2023.38.e291
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