“Decentralized Digital Wallets in Pakistan and the UK: Leveraging Blockchain for Secure, Low-Cost Cross-Border Payments and Financial Inclusion ”. Advance Journal of Econometrics and Finance 4, no. 2 (May 15, 2026): 507–521. Accessed May 15, 2026. https://www.ajeaf.com/index.php/Journal/article/view/330.