DR SADIQ ULLAH KHAN; DR IMRAB SHAHEEN; MISS. JAHANZEB; MUHAMMAD ADNAN. The Influence of Financial Technologies (Fintech) on Modern Banking: Analyzing Barriers, Cybersecurity, Regulatory Frameworks, and Their Effects on Financial Inclusion and Customer Experience in Pakistan. `, [S. l.], v. 3, n. 02, p. 896–909, 2025. Disponível em: https://assajournal.com/index.php/36/article/view/386. Acesso em: 3 jun. 2025.