Kesuma, M. R., Irianto, E. D. O., Henrika, M., Ariswati, L. D., Aini, R. N., & Widaryo, C. M. (2025). Unveiling Sentiment and Financial Risks: OJK’s 10% Co-Payment in Health Insurance. RIGGS: Journal of Artificial Intelligence and Digital Business, 4(2), 3150–3159. https://doi.org/10.31004/riggs.v4i2.997