BASHIR, B. K., & MUHAMMAD, T. (2023). FACTORS INFLUENCING THE ADOPTION OF MOBILE FINANCIAL SERVICES IN ENHANCING FINANCIAL INCLUSION: USING STRUCTURAL EQUATION MODELING FOR THE DECISION-MAKING APPROACH. Innovare Journal of Social Sciences, 11(2), 19–27. https://doi.org/10.22159/ijss.2023.v11i2.47349