Arshad, Faria, Zara Sabeen, and Asma Nasiri. “Building Trust in FinTech: How Data Security and Digital Literacy Drive Service Adoption”. Journal of Workplace Behavior 7, no. 1 (June 30, 2026): 48–59. Accessed August 3, 2026. https://charisma-jwb.com/index.php/jwb/article/view/339.