Nasir Shaheen, Akhter Hussain, Asif Saud Jan, Najeeb Ullah Khan, Sheema Iqbal, and Sami ul Haq, “Role Of Digital Financial Services In Enhancing Microfinance Access For Micro-Entrepreneurs In Pakistan: Evaluating The Effectiveness Of Digital Financial Platforms In Improving Microfinance Penetration And Meeting The Financial Needs Of Micro-Entrepreneu”, JMSRR, vol. 4, no. 4, pp. 386–404, Oct. 2025.