Dr Sadiq Ullah Khan, Adeel Arshad, Dr Imrab Shaheen, and Miss. Jahanzeb. “From Crisis to Catalyst: How Covid-19 Reshaped Digital Banking Practices”. `, vol. 4, no. 01, July 2025, pp. 1215-32, https://www.assajournal.com/index.php/36/article/view/617.