Vol. 4 No. 2 (2026): Advance Journal of Econometrics and Finance

DOI: https://doi.org/10.63075/c54mz676

Published: 2026-03-17

Articles

Artificial Intelligence Adoption and Quality Assurance in Higher Education: Opportunities, Challenges, and Implications for Institutional Effectiveness

Muhammad Hassan Ghulam Muhammad, Sohail Ajmal Butt , Ali Raza Qureshi

1094-1101
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The Effect Of Capital Structure On Firm Performance: Evidence From Pharmaceutical Industry Of Pakistan

Ammar Ahmed Siddiqui, Dr. Muhammad Muzammil

1102-1110
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Digital Marketing Adoption and SME Business Performance in Malakand Division: Examining Adoption Outcomes and the Barriers SMEs Face

*Sahibzada Junaid Anjum, Muhammad Rooh Ullah, Muhammad Essa Khan, Luqman Said, Sikandar Usman, Adil Hassan

1122-1131
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Carbon Emissions, Renewable Energy Transition, and Economic Growth in Pakistan: Evidence from a Nonlinear ARDL Approach

Sadia Mustafa*, Bakhtawar Zafar, Haider Ali Qureshi

1133-1141
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Cognitive and Emotional Drivers of Real-Time Investment Decision Behavior: Evidence from Digital Investors

Umar Hayat*, Ume Roman, Zainab Kausar Khan, Mehak Ali

1142-1158
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Determinants of Occupational Segregation in Labor Market: A Case Study of Urban Punjab, Pakistan

Hamna Shafiq, Maria Faiq Javaid, Shabbir Ahmad, Atif Khan Jadoon*

1175-1187
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Migration As A Governance Signal: World Bank Governance Indicators Predict Beoe Outflow Volumes In Pakistan (1996-2024)

Farzanda Aslam*, Zainab Shabbir

1188-1197
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Linking Profitable Firms With Esg: Evidence From Asian Markets With The Capital Structure As A Moderator

Muhammad Ali Shah*, Dr Ayesha Rehan

1198-1210
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The Nexus between Terms of Trade Volatility and Output Growth Volatility: Evidence from Lower-Middle-Income Economies

Fazal Bari, Shahid Ali

1210-1218
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Foreign Direct Investment in the Energy Sector: A Catalyst for Economic Growth in Emerging Economies (1975-2024): Evidence from the Pre- and Post-COVID-19 Periods

Jamil Ahmed Channa, Prof. Dr. Naveed Ahmed Shaikh, Dr Majid Hussain Phul, Laat Azadi

1219-1235
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Financial Innovation and Islamic Financial Institution’s Performance: Examining the Mediating Role of Corporate Social Responsibility

Dr. Muhammad Arshad*, Umar Akbar, Javeria Islam

1236-1253
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Cryptocurrency Market Volatility and Its Spillover Effects on Traditional Financial Markets

Duaa Liaqat, Ejaz-ur-Rehman , Najwa Liaqat

1254-1261
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Machine Learning Applications in Climate Finance, Energy Systems and Sustainable Economic Policy

Madeeha Rahman*, Zainab Kashif, Laiba Noor

1262-1274
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The Impact of Corporate Social Responsibility (CSR) Initiatives on Employee Attraction and Retention

Muhammad Farooq Jan, Ibrahim Khan , *Dr. Asghar Kamal, Palwasha Khan

1-7
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Adoption of Mobile Wallets in Pakistan: Trends, Determinants, and Financial Inclusion Implications (FY2019–FY2025)

Dr. Qazi Mumtaz Ahmed , Dr. Ashfaque Ali Banbhan

8-18
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Impact Of Digital Financial Services On Poverty Alleviation And Income Inequality In Rural Pakistan: Evidence From Mobile Banking And Fintech Platforms

Hussain sardar*, Dr. Syed Umer Farooq, Dr. Mahboob Ullah, Aroob Bin Habib

19-26
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Analysis of the Factors Affecting Choice of Debt Capital: A Case Study of Multinational Corporations Operating in Pakistan

Dr. Maria Shaikh, Prof. Dr. Imamuddin Khoso

27-33
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Behavioral Biases and Risk Appetite in The Era of Mobile Trading Apps: An Empirical Study of Retail Investors in Islamabad, Pakistan https://doi.org/10.5281/zenodo.19438261

Dr. Abdul Waheed Khan, Dr. Fayaz Ahmed Soomro, Muhammad Zain Ullah, Muhammad Tariq

34-40
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Designing Financial Systems for Pandemic Preparedness: An Integrated Framework for Adaptive and Accountable Global Health Financing

Kaleem Ullah Khan

52-54
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The Impact Of Financial Inclusion And Institutional Quality On Bank Efficiency Moderated By Economic Freedom: Evidence From Low-Income Countries

Hassan Mahmood, Temoor Anjum , Anum Shafique, Muhammad Hanif

55-64
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Financial Development, Renewable Energy, and CO₂ Emissions: A Method of Moments Quantile Regression Analysis of Next-11 Countries

Dr. Sheeba Zafar* (CA), Dr. Aqeel Ahmed , Dr. Safia Begum , Jawad Ali Shah

65-77
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The Feminine Financial Lens: A Qualitative Inquiry into Women Investors behaviour at Pakistan Stock Exchange

Madiha Hashmi, Moazzam, Muhammad Abubakar , Anum Saeed, Muqaddas Naz

78-93
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Corporate Governance as a Constraint on Earnings Management: Evidence from Emerging Economies

Saira Aslam, Dr. Temoor Anjum , Dr. Muhammad Hanif , Dr. Sidra Shahzadi

103-108
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Terrorism and Political Economy in Balochistan: Assessing the Structural Disruptions to Regional Development

Akram Jan Jaffar , Mian Gul Khan , Zeeshan Ullah, Dr. Nafid Khan

109-120
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Impact Of Capital Structure On Decision Making: A Study Of Financial Flexibility, Profitability, And Organizational Growth

Noman Tariq

121-134
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The Role of Education In Agricultural Output And Labor Allocation: A Case Study of Rural Pakistan

Syed Immad Uddin Hussaini, Maria, Dr. Ambreen Fatima

135-143
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Behavioral Biases And Stock Market Volatility: Evidence From Individual Investors In The Pakistan Stock Exchange

Hussain sardar*, Dr. Mahboob Ullah Kamal, Yasir Khan Khalil, Muhammad Farhan Amjad

158-168
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Green Banking Practices, Sustainable Environmental Performance and Profitability of Commercial Banks https://doi.org/10.5281/zenodo.19724947

Agha Adnan Khan, Shahar Bano

169-179
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Harnessing Solar Potential in Pakistan: A Review of Renewable Energy Policies and Future Prospects

Zeeshan Ali, Kamal Ud Din, Muhammad Ali Farid, Aliah Batool

180-193
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Impact of Financial Development and Trade Liberalization on Total Factor Productivity: Evidence from Export and Non-Export Firms of Pakistan

Dr. Usman Shaukat Khan

194-206
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China's Belt and Road Initiative: Opportunities and Challenges for Renewable Energy Cooperation

Hira Mehfooz*, Tabish Manzoor, Roshan Bashir, Sara Rahman

207-225
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The Practical Application Of Hedge Accounting Under Ifrs 9 And Its Impact On Financial Reporting

Muhammad Muaz Naeem Shaikh, Babar Saleem, Muhammad Yousuf

226-240
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Exploring the Impact of Digitalization on Economic Growth: Evidence from Emerging Markets

Shagufta Andleeb, Iqra Shafi, Faiz Muhammad, Shumaila Saleem

241-254
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Corporate Social Responsibility (CSR), Consumer Trust, and Financial Performance: A Triangular Model of Management–Marketing–Finance Integration

Dr. Tahir Imran Gulzar, Dr. Faisal Masud, Dr. Syed Khalid Ahmed, Muhammad Arsal Latif

255-267
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Internal Control Effectiveness as a Moderator in the Relationship Between Corporate Social Responsibility and Firms' Financial Performance: Evidence from Pakistan

Muhammad Ashraf, Dr. Khalid Rehman

287-307
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Do Remittances Promote or Constrain Growth? Evidence from South Asian Economies

Aroosa Andleeb , Dr. Abdul Manan Tauqeer

308-320
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Impact of Net Export on Gross Domestic Product (GDP) of Pakistan

Shahid Iqbal, Saad Saif, Kiran Bano

321-330
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FinTech Adoption under Perceived Risk: The Mediating and Moderating Role of Trust, Usefulness, and Digital Literacy

Saba Imam

331-344
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Ownership Structure, Audit Quality, And The Governance–Performance Nexus: Dynamic Panel Evidence

Asim Khan, Aniqa Arslan, Arslan Qayyum

345-359
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Corporate Responsibility and Organizational Culture as Strategic Drivers of Employee Commitment: Evidence from Riyadh’s Destination Management Companies

Idrees Gul, Imran Khan

360-369
- Pdf
Credit Risk and Bank Performance in Emerging Markets. A Dual Protocol Systematic Review with Evidence from Pakistan

Raza Ali, Dr. Jameel Ahmed

370-385
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An Analysis of the Macroeconomic, Structural, and Institutional Factors Affecting Tax Revenue in Pakistan: Evidence from an ARDL Model

Muhammad Ali Abrar, Muhammad Azmat Hayat

386-409
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Technological Innovation in FinTech and Its Role in Advancing Financial Inclusion: A Comprehensive Literature Review

Osama Bin Shahid, Muhammad Tayyab Kashif, Asad Javed

410-428
- Pdf
Does the Marshall-Learner Condition Hold for Pakistan? Exchange Rate Elasticity, and the Long-Run Determinants of Export Earnings

Aroosa Andleeb

429-441
- Pdf
Volatility Repercussion on Shariah and non-Shariah Stock Market Indices for India and Pakistan through ARCH & GARCH Techniques

Dr. Sarfaraz Nawaz Khatri, Dr. Muhammad Aqil, Dr. Asif Ali Abro

442-450
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From Industry 4.0 To Industry 5.0: The Role of Green HRM, Hybrid Work Systems, And Ethical Ai Governance in Achieving Sustainable Organizational Performance in Saudi Arabia’s Pilgrim Facilitation Sector

Dr. Aftab Alam Khan, Junaid Ahmad

451-459
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From Control to Credibility: How Digital Marketing and Strategic Project Management Expose or Mask Organizational Hierarchies

Usman Rehmat, Sumaira Rasheed

460-466
- PDF
Digital Transformation in KSA: Assessing the Adoption of Blockchain and Smart Contracts under Vision 2030

Muhammad Fahad Malik

467-486
- Pdf
Does Financial Inclusion Outcome is Supporting Formal Borrowing among Individuals

Waqas Shair, Sadia Hameed, Farzana Tabbasum, Badar un Nisa

487-498
- pdf
Secure Smart Contract Engineering and Software Development Practices for Resilient FinTech Blockchain Systems

Edimer Mahecha Contreras

499-506
- PDF
Decentralized Digital Wallets in Pakistan and the UK: Leveraging Blockchain for Secure, Low-Cost Cross-Border Payments and Financial Inclusion

*Farah Arzu, Syeda Iqra Amjad, Fawad Ahmad Abbasi, Dr. Kashif Abrar, Samad Wasi

507-520
- pdf
SDGs Washing vs Genuine Innovation: The Mediating Role of Sustainability Innovation Authenticity and the Moderating Role of Stakeholder Pressure

Farah Shaikh, Sonia Baloch, Geeta

521-536
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Psychological Capital as a Driver of Entrepreneurial Satisfaction: Assessing the Mediating Effect of Burnout

Dr. Sarfraz Ali Malak, Saeed Ahmed, Dr. Tayyaba Gul

537-550
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ESG DISCLOSURE, GREEN INNOVATION, AND FIRM VALUE NEXUS: EVIDENCE FROM EMERGING MARKETS OF PAKISTAN

Muhammad Jawad Gohar, Dr. Mahboob Ullah, Dr. Zeeshan Khan, Raja Abdul Wahab , Fatimah Ather

551-559
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Digital Service Quality and Customer Loyalty: A Systematic Review of Trust and Perceived Value in Online Banking https://doi.org/10.5281/zenodo.20346246

Muhammad Tayyab Kashif, Junaid Babar, Sajjad Haider Khan

560-565
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OPEN-ENDED MUTUAL FUNDS AS A TOOL TO STRENGTHEN THE NATIONAL ECONOMY: EVIDENCE FROM PAKISTAN IN THE PROSPECT OF BUDGET – 2026

Dr. Mehwish Bhatti, Syed Ismail Shah, Quratulain Mahoto

566-570
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Economics of Modern Low-Cost and High-Volume Warfare: Gamification, Asymmetry, and Policy Adaptation

Hidayat Ullah Khan*, Javed Anwar, Muhammad Zaib

571-588
- pdf
Do Investment Efficiency and Earnings Quality Matter for Firm Performance? Evidence from an Emerging Economy

Sania Yaqoob, Muhammad Talha, Muhammad Adil*

589-599
- pdf
IMPACT OF RESEARCH AND DEVELOPMENT ON THE VALUE ADDITION OF SERVICES: STRUCTURAL TRANSFORMATION OF PAKISTAN AND INDIA

Hatib Ahmed Khan , Dr. Tahir Mehmood

600-636
- Pdf
BALANCING WORK AND LIFE: HOW PERSONAL AND PROFESSIONAL HARMONY AND JOB ENGAGEMENT SHAPE WORKFORCE EFFECTIVENESS IN PAKISTANI ORGANIZATIONS EMPIRICAL EVIDENCE FROM PUBLIC AND PRIVATE SECTOR EMPLOYEES (2022–2026)

Dr. Mehwish Bhatti*, Ali Akbar Jalbani, Dr Sumera Aslam

637-643
- Pdf
Corporate Governance and Stage-Wise Banking Efficiency: Evidence from a Multi-Layer Two-StageNetwork DEA Framework

Khadim Hussain*, Prof. Dr. Muhammad Abbas

652-675
- pdf
Beyond Western Dominance? The Rise of Asia and the Middle East in Global Tourism

Dr. Muhammad Kashif*, Sahibzada Junaid Anjum, Adil Hassan, Sikandar Usman, Asad Ullah, Muhammad Essa Khan, Luqman Said

675-690
- pdf
Effect Of Digital Economy on The Economic Development of Pakistan

Dr. Syed Aziz Rasool, Dr. Zeeshan Hamid, Muhammad Ali Khan

692-703
- pdf
GENDER INEQUALITY, EMPLOYMENT, AND ECONOMIC DEVELOPMENT: A PANEL QUANTILE REGRESSION ANALYSIS OF SELECTED ASIAN COUNTRIES

Muhammad Sonail, Xu Deyi, Mahneemah Khitab, Muhammad Shoaib, Muhammad Yaseen

704-721
- pdf
Impact of AI-Driven HRM and Digital Capability on Future Work Adaptability: Mediating Role of Workforce Future-Readiness

Moazzam Latif Rana, Inam Ullah Khan, Muhammad Usman, Numan Shehzad, Hannan Afzal

722-729
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THE GREEN PARADOX REVISITED: RENEWABLE ENERGY, ECONOMIC GROWTH, AND CARBON EMISSIONS IN A PANEL OF 58 COUNTRIES (2000–2021)

Muhammad Abu Bakar Iqbal, Zona Raashid, Manal Akhtar

730-738
- Pdf
Islamic FinTech Innovation, Digital Service Quality, and the Adoption Intention of Islamic Digital Banking in Pakistan: The Mediating Role of Perceived Trust and the Moderating Effect of Financial Literacy

Khawaja Masood Raza, Imran Abdul Aziz, Syed Iradat Abbas , Muhammad Asim

739-750
- PDF
The Impact of Artificial Intelligence Adoption on Financial Decision-Making Effectiveness: The Mediating Role of Data Analytical Capability and the Moderating Effect of Firm Size

Mubashir Zaman, Dr. Noor Fatima

751-762
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FROM TEACHERS' CREATIVITY TO STUDENTS' CURIOSITY: THE MEDIATING ROLE OF ENTREPRENEURSHIP EDUCATION IN BUSINESS SCHOOLS OF HYDERABAD, SINDH, PAKISTAN

Dr. Annam Inayat, Dr. Mehwish Bhatti, Ranjeeta Mahraj

763-772
- Pdf
From Green Intentions to Golden Returns: The role of Innovation in achieving Sustainability Performance

Mr. Asif Raza , Moin Ahmad Moon* , Allah Ditta

773-791
- pdf
The Digital Divide And The Great Divergence: Internet Penetration, Economic Growth, And Income Inequality In a Panel Of 58 Countries (2000–2022)

Muhammad Abu Bakar Iqbal*, Mohammad Usman Aftab, Sadaf Shaukat

792-801
- pdf
Unlocking Sustainable Entrepreneurship through Green Finance: The Mediating Role of Green Innovation in Pakistani SMEs

Dr Nadia Samo, Dr. Khalida Khan, Dr. Muhammad Naeem

802-813
- pdf
Data Chaos, Model Fragility, and the Human Fix for Financial GenAI

Moin Ahmad Moon*, Atif Hussain

814-824
- pdf
Capitalizing on Diversity, Equity, and Inclusion in Organizations: Workforce Diversity as a Core Leadership Challenge for Sustainable Growth

Muhammad Irfan Syed, Muhammad Ishaq Israr , Tahira Bano , Qaim Akbar Nimai, Aaitizaz Ahmad

835-846
- PDF
Liquidity Profitability Trade-Offs And Dividend Policy: A Panel Data Analysis Of Non-Financial Firms

Ahmad Salman, Dr. Akmal Shahzad Butt

847-855
- pdf
Small And Medium Enterprises As An Engine Of Economic Growth: Evidence From Pakistan

Azhar Iqbal, Wakeel Ur Rehman*, Abu Bakar Nawaz, Akram Samuel

856-865
- pdf
The Digital Divide And The Great Divergence: Internet Penetration, Economic Growth, And Income Inequality In A Panel Of 58 Countries (2000–2022)

Muhammad Abu Bakar Iqbal*, Mohammad Usman Aftab, Junaid Akram

866-876
- pdf
Enhancing AI-Based Investment Decision Quality: The Roles of Perceived AI Transparency, Algorithmic Fairness, Trust, and Financial Literacy

Alsaf Bibi, Suresh Kumar, Syed Muhammad Shoaib Wasim, Zulfiqar Ali Rajper, Syed Muhammad Shoaib Wasim

878-886
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Corporate Governance Laws And Their Impact On Startup Growth And Business Sustainability: A Comparative Study Of Pakistan And The Usa

Shahzad Khalid , Muhammad Tahir Saleem, Tahir Mahmood , Gouhar Ali, Najam Ali, Hijab Batool

887-893
- pdf
Unravelling Capital Investment Horizons: The Mediating Effect of Exchange Rate Volatility on Macroeconomic-Sectoral Investment Nexus in Pakistan

Shahid Mehmood, Tahir Mehmood

907-916
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FinTech and SME Financing Constraints in Developing Economies: Complementarity, Substitution, and the Limits of Digital Credit

Rafia Noreen, Muhammad Sajid , Faisal Amjad , Tayyiba Khalid

917-924
- PDF
Artificial Intelligence, Fintech Adoption, And Entrepreneurial Ecosystem Development For Sme Growth And Financial Inclusion In Pakistan

Dr. Mohammad Tahir, Rehaam Fatima Malik, Eman Fatima Malik, Mohammad Hassaan Malik

925-940
- pdf
Social Performance Determinants of Global Islamic and Conventional Microfinance Institutions and Human Happiness

Amat-ul Mateen Noor, Dr. Mohammad Ayaz , Dr. Muhammad Ather Ashraf

941-954
- pdf
Firm Characteristics And Financing Decision: The Moderating Effect Of Covid-19 In Emerging Market

Shafiq Ur Rehman*, Muhammad Awais, Rab Nawaz, Mahboob Ur Rahman

955-962
- pdf
Sustainability Governance Mechanisms and Financed Emission Mitigation: The Mediating Role of Greenwashing Risk in Islamic Banks

Nabeel Raza, Dr. Danish Ahmed Siddiqui

963-973
- pdf
The Impact of Artificial Intelligence on Employment and Wage Inequality

Syed Muhammad Haris Shah

974-983
- pdf
Financial Deepening, Foreign Capital Inflows, and Economic Expansion in Pakistan: An ARDL Bounds Testing Approach

Dr. Sanam Wagma Khattak, Muhammad Younas, Gulalay Javed

984-995
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Artificial Intelligence–Driven Financial Inclusion And Green Entrepreneurship: Examining The Role Of Digital Lending Platforms In Promoting Sustainable Sme Growth In Pakistan

Mohsin Raza*, Raja A. Wahab, Atif Madad

996-1006
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HOW FINANCIAL LITERACY BUFFERS THE INFLUENCE OF BEHAVIORAL BIASES ON INVESTMENT DECISION MAKING? EVIDENCE FROM AZAD JAMMU AND KASHMIR

Muhammad Asad Ullah, Muhammad Kashif Saif, Shahzeen Bukhari

1007-1016
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A Study Of The Impact Of Fiscal Policies, Taxation Systems, And Financial Management Practices On Business Growth And Economic Development

Ali Rafi

1017-1026
- pdf
The Impact Of The Unified Theory Of Acceptance And Use Of Technology (Utaut) On Online Purchase Intention: The Moderating Role Of Social Media Marketing Among University Students In Karachi.

Sarfraz Khan Langah*, Omaish Kumar Turshani, Muhkam Uddin

1027-1039
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Impact of Liquidity and Financial Leverage on Firm’s Profitability- An Empirical Analysis of the Textile Industry of Pakistan

Kashaf Sadaqat, Muhammad Muzammil

1040-1050
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Artificial Intelligence Adoption in Business Management: A Systematic Analysis of Current Practices and Future Directions

Waqar Ali, Afzal Mahmood, Muhammad Hassan Ghulam Muhammad.

728-735
- PDF
The Impact of Food Affordability on the Human Development Index in Pakistan

Nida Allah Loke, Prof. Dr. Muhammad Ilyas*, Dr. Ashfaq Ahmad

1051-1058
- pdf
Artificial Intelligence Impact on Financial Reporting https://doi.org/10.5281/zenodo.20903941

Muhammad Suffyan, Dr. Tanvir Sajid, Amna Naeem, Dr. Sajida Hafeez

1059-1077
- pdf