Akhter, F., M. Waqas, and S. Sohaib. “FACTORS AFFECTING THE ADOPTION OF FINTECH SERVICES FOR BANK CLIENTS”. Journal of Social Sciences and Humanities, vol. 61, no. 1, June 2022, pp. 45-66, https://www.jsshuok.com/oj/index.php/jssh/article/view/588.