Muhammad Saadullah, Muhammad Naeem, Khush Bakhat Umer, Nabila Khan, Khawar Naheed, Muhammad Sheeraz, and Nadeem Iqbal. “Risk And Resilience in Digital Payment Adoption: Analyzing Consumer Behavior Through the UTAUT2 Framework in Pakistan”. Kurdish Studies 12, no. 2 (February 25, 2024): 6971–6983. Accessed September 11, 2025. https://kurdishstudies.net/menu-script/index.php/KS/article/view/3752.