Qambrani, Shoaib Anwer. “Exploring the Adoption of Fintech and Its Difficulties in Pakistan’s Emerging Economy Concerning Financial Inclusion”. Indonesian Journal of Innovation and Applied Sciences (IJIAS) 4, no. 2 (June 30, 2024): 180-187. Accessed July 2, 2025. https://ojs.literacyinstitute.org/index.php/ijias/article/view/1130.