Samina Yasin, and Dr Rehana Kousar. “Digital Financial Inclusion, Banking Accessibility, and Economic Resilience: A Real-Time Multi-Country Analysis Using IMF Financial Access Survey Data”. ACADEMIA International Journal for Social Sciences, vol. 5, no. 3(s8), Mar. 2026, pp. 551-69, https://doi.org/10.63056/academia.5.3(s8).2026.2132.