Ruksana Rasheed, Mazhir Nadeen Ishaq,Muhammad Fahad Malik. “Role of Cell-Phone Banking in the Development of Small Enterprises: An Evidence From Pakistan”. Competitive Social Science Research Journal 3, no. 2 (June 29, 2022): 720–729. Accessed December 22, 2024. https://cssrjournal.com/index.php/cssrjournal/article/view/407.