ZARIF, Tayyaba; AHMED, Malik Irfan. Survey Study of Alternate Delivery Channels for Financial Transactionsand its Reasons. Journal of Information Communication Technologies and Robotic Applications, [S. l.], p. 71–82, 2018. Disponível em: https://www.jictra.com.pk/index.php/jictra/article/view/65. Acesso em: 26 aug. 2026.