NARENDER KUMAR; DR. SAMINA RIAZ. WHICH RISKS, WHICH BENEFITS, AND FOR WHOM? A MULTI-GROUP TEST OF THE RISK–BENEFIT FRAMEWORK AMONG USERS AND NON-USERS OF DIGITAL FINANCE IN PAKISTAN. JOURNAL OF SOCIAL SCIENCES DEVELOPMENT, [S. l.], v. 5, n. 8, p. 240–261, 2026. DOI: 10.59075/jssd.v5i8.369. Disponível em: https://www.jssd.org.pk/index.php/jssd/article/view/369. Acesso em: 13 oct. 2026.