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Authors
Irfan, Muhammad
Ahmed, Ammar
Gillani, Syed Faraz Ahmed
Ghauri, Khadija
Ain, Qurat ul
Habib, Shahroze
Ijaz, Mahrukh
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Article History
Received: 26 November 2024
Accepted: 29 July 2025
First Online: 15 October 2025
Declarations
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: The protocol of this study was approved in accordance with the Declaration of Helsinki by the Ethics approval committee of Institute of Banking and Finance, Bahauddin Zakariya University Multan (IBF− BZU/23− 02). The informed consent to participate was obtained from all the participants.
: All authors have reviewed and approved the final version of the manuscript and consent to its publication in Discover Sustainability. There are no legal, ethical, or proprietary restrictions preventing publication.
: The authors declare no competing interests.
