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 "text": "True decentralization requires the absence of a primary decision-maker, which is very difficult for a decentralized insurance organization to achieve while it is still in its infancy.",
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  "name": "Wulf A. Kaal",
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 "citation": "Wulf A. Kaal, Josh Bykowski, Decentralized Autonomous Organizations (DAO) – A Market Meta Analysis (2023). SSRN: https://ssrn.com/abstract=4529715",
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