Sumera Mehmood, Muhammad Zohaib Khan, and Dr. Abdul Ghaffar. “Exploring the Mediating Effect of Financial Knowledge on Technological Innovations and Financial Accessibility”. Bulletin of Management Review 1, no. 4 (December 5, 2024): 343–359. Accessed August 26, 2025. https://bulletinofmanagement.com/index.php/Journal/article/view/78.