M. Asim, W. Shair, R. U. Hassan, and R. Iftikhar, “Determinants of Financial Inclusion in South Asia: Evidence from the Global Findex 2021”, Int. J. Adv. Soc. Stud., vol. 5, no. 1, pp. 94–112, Apr. 2025, doi: 10.70843//ijass.2025.05111.