Zaman, Sohaib, Rimsha Iqbal, Syed Hasnain Alam, and Muhammad Hassan Kamal. “Consumer Trust and Innovation in Fintech: A Study on Digital Banking Adoption”. ACADEMIA International Journal for Social Sciences 4, no. 1 (March 1, 2025): 39–55. Accessed November 19, 2025. https://academia.edu.pk/index.php/Journals/article/view/38.