Odoyo, Fredrick S., Richard Nyangosi, and H. P. Gupta. “Factors Hindering ICT Implementation in Indian Insurance Industry: An Empirical Study”. Indian Journal of Finance 3, no. 9 (September 1, 2009): 22–26. Accessed August 5, 2025. https://www.indianjournalofcapitalmarkets.com/index.php/IJF/article/view/71580.