MUHAMMAD SAADULLAH; MUHAMMAD NAEEM; KHUSH BAKHAT UMER; NABILA KHAN; KHAWAR NAHEED; MUHAMMAD SHEERAZ; NADEEM IQBAL. Risk And Resilience in Digital Payment Adoption: Analyzing Consumer Behavior Through the UTAUT2 Framework in Pakistan. Kurdish Studies, [S. l.], v. 12, n. 2, p. 6971–6983, 2024. DOI: 10.53555/ks.v12i2.3752. Disponível em: https://kurdishstudies.net/menu-script/index.php/KS/article/view/3752. Acesso em: 11 sep. 2025.