QAZI, Muhammad Ali; JAMSHED, Dr. Samia; ARSHAD, Usman. User Insights On Fintech Adoption In Pakistan’s Banking Sector: The Moderating Role Of Perceived Risk. Metallurgical and Materials Engineering, [S. l.], p. 200–217, 2025. DOI: 10.63278/mme.vi.1928. Disponível em: https://metall-mater-eng.com/index.php/home/article/view/1928. Acesso em: 10 may. 2026.