Shahid , Dr. Sanya, Sheeraz Ahmed, Ghulam Nabi, Dr. Muhammad Murtaza, and Abdullah Solangi. “FinTech 4.0 and the Future of Global Finance: Blockchain, Artificial Intelligence, and Big Data As Catalysts of Digital Financial Innovation”. Inverge Journal of Social Sciences 4, no. 3 (September 25, 2025): 364–380. Accessed September 26, 2025. https://invergejournals.com/index.php/ijss/article/view/173.