Azeem, Kashif, Salman Masood Sheikh, and Saif Ur Rahman. “Perceived Usefulness, Experience and FinTech Acceptance in Pakistan: An Economic Analysis”. Pakistan Journal of Humanities and Social Sciences 11, no. 4 (December 13, 2023): 4333–4348. Accessed December 24, 2024. https://internationalrasd.org/journals/index.php/pjhss/article/view/1799.