Indonesia’s digital economy has become a powerful enabler of financial inclusion, but insurance remains unfamiliar and often misunderstood. As Ivan Kusuma of DANA and JP Ellis of Chubb explain, the breakthrough lies in embedding bite-sized, contextual insurance products directly into everyday digital transactions. By offering simple, affordable protection at the moment of purchase, digital wallets like DANA are transforming what was once a high-friction, agent-driven process into an accessible, habit-forming experience. Trust is built through repetition, transparency, and fast claims resolution, turning skeptical users into believers.