A Cultural Conduct Risk Assessment Model for Embedding Ethical Governance in Financial and Insurance Sales Practices. International Journal of Scientific Research in Science and Technology, [S. l.], v. 11, n. 2, p. 1033–1045, 2024. DOI: 10.32628/IJSRST251222712. Disponível em: https://ijsrst.com/index.php/home/article/view/IJSRST251222712. Acesso em: 2 aug. 2025.