Jamal, M. N., S. Asghar, A. B. Farhat, and K. Sohail. “Trusting Technology: The Role of Financial Literacy and Technological Savviness in Shaping Fintech Adoption”. THE ASIAN BULLETIN OF GREEN MANAGEMENT AND CIRCULAR ECONOMY, vol. 5, no. 2, Aug. 2025, pp. 61-71, doi:10.62019/abgmce.v5i2.150.