AZHAR. Factor Affecting Mobile Banking Adaptation In Pakistan. Reviews of Management Sciences, [S. l.], v. 1, n. 1, 2021. DOI: 10.53909/rms.01.01.065. Disponível em: https://www.rmsjournal.com/index.php/admin/article/view/65. Acesso em: 27 aug. 2025.