Thamir Rahi F. & Salman D. S. “The Future of Financial Services: Trends, Challenges, and Opportunities in a Rapidly Changing Landscape”. International Journal of Innovative and Applied Finance 9, no. 3 (October 22, 2021). Accessed May 6, 2025. https://www.publishpk.net/index.php/ijiaf/article/view/170.