Ahmed, Faraz, Sumalka Mendis, Sahar Fatima, and Ruby Usman. 2026. “The Role of E‑Commerce in Promoting Digital Financial Inclusion: Empirical Evidence from Pakistan”. ACADEMIA International Journal for Social Sciences 5 (3(b): 15-25. https://doi.org/10.63056/academia.5.3(b).2026.1726.