Vol 86, issue 3Archived 29 September 2020 at the Wayback Machine July–September 2019, Journal of the Institute of Bankers Pakistan, Retrieved 6 December 2020.
Vol 86, issue 3Archived 29 September 2020 at the Wayback Machine July–September 2019, Journal of the Institute of Bankers Pakistan, Retrieved 6 December 2020.