Riaz , Nimra, Ahsan Riaz, Rabia Tariq, and Muhammad Talha. “The Nexus Between Fintech Adoption & Bank Performance: A Role of Competitiveness”. Pakistan Journal of Humanities and Social Sciences 11, no. 4 (November 29, 2023): 3981–3993. Accessed December 24, 2024. https://internationalrasd.org/journals/index.php/pjhss/article/view/1780.