Hamad Raza, Dr. Muhammad Ishtiaq, Dr. Arslan Najeeb Khan, Nimra Riaz, and Dr. Ahsan Riaz. “Digital Transformation in Commercial Banking: Trends, Challenges, and Future Directions”. Journal for Social Science Archives 2, no. 2 (December 28, 2024): 540–551. Accessed May 10, 2025. https://www.jssarchives.com/index.php/Journal/article/view/82.