Latif, Shahbaz, Adeel Ansari, Zonaira Akbar, and Fahim Ullah Khan. “Digital Payments, Cryptocurrencies, and Enterprise Strategy: Navigating Financial Transformation”. Inverge Journal of Social Sciences 5, no. 1 (February 28, 2026): 316–332. Accessed March 31, 2026. https://invergejournals.com/index.php/ijss/article/view/245.