“Gender and Access to Bank Credit Around the World During the COVID-19 Pandemic: The Mediating Role of Digital Transformation”. Pakistan Journal of Commerce and Social Sciences (ISSN 1997-8553) 18, no. 1 (March 31, 2024): 01–39. Accessed September 17, 2025. https://jes.ac.pk/index.php/jes/article/view/51.