Impact Of Fintech On Financial Performance And Risk Of Commercial Banks In Pakistan: https://doi.org/10.5281/zenodo.19661914. Advance Journal of Econometrics and Finance, [S. l.], v. 4, n. 1, p. 769–776, 2026. Disponível em: https://www.ajeaf.com/index.php/Journal/article/view/286. Acesso em: 5 jun. 2026.