MALIK, Sanghaar. Digital Payment: Adoption of Raast vs. Mobile Wallets (EasyPaisa / JazzCash): User Preference Analysis in the Informal Sector. Journal of Pakistan Administration, [S. l.], v. 47, n. 1, p. 285–310, 2026. DOI: 10.65755/jpa-20264701-131. Disponível em: https://journal.nspp.gov.pk/index.php/jpa/article/view/131. Acesso em: 28 jun. 2026.