Muhammad Irfan, S. J. A. Kazmi, Abdulrehman Saeed, Imran Mehmood, and Muhammad Bilal Mirza. “Fintech, Financial Inclusion, and Income Inequality”. UCP Journal of Business Perspectives, vol. 2, no. 1, Aug. 2024, pp. 73-92, https://ojs.ucp.edu.pk/index.php/jbp/article/view/362.