@book{60766,
	author = {Irfan Abid (51776)},
	title = {Determinants of Fintech use and their impact on financial inclusion},
	publisher = {(unpublished)},
	year = {2026},
	address = {Lahore},
	note = {Submitted in partial fulfilment of the requirement for degree of Master of Science in Management Sciences.}
}