Muhammad Sibt-e-Ali. “Determinants of FinTech Adoption in Karachi, Pakistan: Perceived Ease of Use, Trust, and Financial Literacy”. Lead Sci Journal of Management, Innovation and Social Sciences 1, no. 3 (September 20, 2025): 54–66. Accessed June 10, 2026. https://scholarclub.org/index.php/LeadSci/article/view/115.