Asim, Muhammad, Waqas Shair, Rizwan Ul Hassan, and Rabea Iftikhar. “Determinants of Financial Inclusion in South Asia: Evidence from the Global Findex 2021”. International Journal of Advanced Social Studies 5, no. 1 (April 30, 2025): 94–112. Accessed October 25, 2025. https://explorescholar.org/journals/index.php/IJASS/article/view/41.