Zaryab Kalim, and Professor Dr. Shabana Gul. “Startups in the Shadows: Compliance, Licensing, and Capital Challenges for Fintech in KP”. Dialogue Social Science Review (DSSR) 3, no. 8 (August 23, 2025): 514–531. Accessed August 24, 2025. https://dialoguessr.com/index.php/2/article/view/882.