Moon, Moin Ahmad, Sultan Sagheer Ahmad Hans, Muhammad Sheraz Amjad, Muhammad Jawad Mehdi, and Mehran Ullah Khan Niazi. “What Lies Beneath the Tap: Unlocking Digital Trust and Retention”. Journal of Social and Organizational Matters 5, no. 2 (June 11, 2026): 224–243. Accessed June 11, 2026. https://www.jsom.org.pk/index.php/Research/article/view/452.