Pristiwanto Bani, Ratih Anggoro Wilis. Beyond Risk Transfer: Rethinking Dynamic Capabilities as the Foundation of Innovation in General Insurance Compa-nies. BIJMT [Internet]. 2025 Jun. 16 [cited 2025 Jun. 21];5(2):58-69. Available from: https://journalcenter.org/index.php/BIJMT/article/view/4418