Talat Islam, Saif-Ur-Rehman, Ch. Muhammad Salman Abid, and Zeshan Ahmer. “How Perceptions About Ease of Use and Risk Explain Intention to Use Mobile Payment Service In Pakistan? The Mediating Role of Perceived Trust”. Pakistan Journal of Commerce and Social Sciences 14, no. 1 (March 31, 2020): 34–48. Accessed June 27, 2026. https://jes.ac.pk/index.php/jes/article/view/180.