Muhammad Ahmar Jamshaid, Fahmeed Idrees, and Amad Rashid. “TECHNOLOGY USAGE & FINANCIAL BEHAVIOR IN DIGITAL BANKING: INFLUENCE OF PERCEIVED RISK IN AN EMERGING ECONOMY”. JOURNAL OF SOCIAL SCIENCES DEVELOPMENT 4, no. 1 (March 20, 2025): 138–149. Accessed August 25, 2025. https://www.jssd.org.pk/index.php/jssd/article/view/172.