F. . Ahmed, S. . Mendis, S. . Fatima, and R. . Usman, “The Role of E‑Commerce in Promoting Digital Financial Inclusion: Empirical Evidence from Pakistan”, AIJSS, vol. 5, no. 3(b), pp. 15–25, Mar. 2026, doi: 10.63056/academia.5.3(b).2026.1726.