GHULAM MUHAMMAD. DIGITAL BANKING FRAUD AND CONSUMER PROTECTION IN PAKISTAN: A QUALITATIVE ANALYSIS OF REGULATORY CHALLENGES AND INSTITUTIONAL RESPONSES. JOURNAL OF SOCIAL RESEARCH DEVELOPMENT, [S. l.], v. 7, n. 1, p. 199–218, 2026. DOI: 10.59075/jsrd.v7i1.571. Disponível em: https://jsrd.org.pk/index.php/jsrd/article/view/571. Acesso em: 17 oct. 2026.