Afzal , Muhammad Adnan, and Saif Ur Rahman. “Unpacking The Financial Development, Financial Technology and Institutional Quality Nexus in Curbing Climate Change Among Middle-Income Countries”. Journal of Social and Organizational Matters 4, no. 1 (March 29, 2025): 348–369. Accessed August 3, 2025. https://www.jsom.org.pk/index.php/Research/article/view/190.