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Saba Usman

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Open access 2026

Explaining FinTech Adoption among SMEs in Pakistan: Extending the Technology Acceptance Model through Financial Inclusion and Financial Literacy

SMEs play a pivotal role in economic growth, employment generation, and innovation, yet their digital transformation remains constrained by limited access to financial services and inadequate financial capabilities, particularly in developing economies. Although financial inclusion and financial literacy have individua...

Saba Usman · 0 citations

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