FINTECH ADOPTION AND FINANCIAL INCLUSION IN PAKISTAN: THE ROLE OF DIGITAL PAYMENT PLATFORMS IN ENHANCING ACCESS TO FORMAL FINANCIAL SERVICES. International Journal of Social Sciences Bulletin, [S. l.], v. 4, n. 3, p. 718–732, 2026. Disponível em: https://ijssbulletin.com/index.php/IJSSB/article/view/2059.. Acesso em: 11 nov. 2026.