Zia, Dr. Sayma, Frederick Chong Chen Tshung, and Naeem Shahzad. “Examining Challenges In Mobile Banking: Insights From The Consumer’s Perspective”. Migration Letters 21, no. S7 (March 4, 2024): 1378–1395. Accessed August 24, 2024. https://migrationletters.com/index.php/ml/article/view/8978.