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<xml><bibliography><APA>Pakkamon Phokatirakul และผู้แต่งคนอื่นๆ. (2026) Digital Consumer Behavior and InsurTech Adoption Influencing Life Insurance Purchasing Decisions. &lt;i&gt;Journal of Management Science Nakhon Pathom Rajabhat University&lt;/i&gt;, &lt;i&gt;13&lt;/i&gt;(1), 116-133.</APA><Chicago>Pakkamon Phokatirakul และผู้แต่งคนอื่นๆ. "Digital Consumer Behavior and InsurTech Adoption Influencing Life Insurance Purchasing Decisions". Journal of Management Science Nakhon Pathom Rajabhat University  13 (2026):116-133.</Chicago><MLA>Pakkamon Phokatirakul และผู้แต่งคนอื่นๆ. Digital Consumer Behavior and InsurTech Adoption Influencing Life Insurance Purchasing Decisions. Faculty of Management Science Nakhon Pathom Rajabhat University.:ม.ป.ท. 2026.</MLA></bibliography></xml>
