Asif Iqbal, Asif Kabir, Zahid Mahmood, Nazir Haider Shah, and Mehtab Mushtaq. “The Future of Learning With AI: A Systematic Review on Transforming Student Education and Competencies”. ` 5, no. 01 (January 16, 2026): 103–131. Accessed January 16, 2026. https://assajournal.com/index.php/36/article/view/1293.