Farrukh Zafar, Bushra Jabbar, Osama Ali, Einas Azhar, and Aisha Saqib. “From Digital Tools to Decision Outcomes: Understanding Investment Quality in FinTech Environments”. ACADEMIA International Journal for Social Sciences 5, no. 1 (January 11, 2026): 213–239. Accessed March 12, 2026. https://academia.edu.pk/index.php/Journals/article/view/1457.