Dr. Alejandro Martín Ruiz. “Blockchain-Enabled Risk Transformation Across Insurance, Supply Chains, and the Digital Economy: A Comprehensive Theoretical and Empirical Synthesis”. The American Journal of Management and Economics Innovations 7, no. 12 (December 31, 2025): 77–81. Accessed January 28, 2026. https://theamericanjournals.com/index.php/tajmei/article/view/7210.