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Authors
Ahmad, Muhammad Bilal https://orcid.org/0000-0002-5713-9762
Rizvi, Fizza
Shakeel, Nausheen
Niazi, Amna
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Article History
Received: 18 September 2025
Accepted: 31 December 2025
First Online: 22 January 2026
Declarations
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: The ethical approval was obtained from the Research Excellence Committee of Hailey College of Banking & Finance, University of the Punjab, Lahore to collect the data. The study was conducted in accordance with the ethical standards of the 1964 Declaration of Helsinki and its later amendments or comparable ethical standards. The informed consent was obtained from all individual participants to participate in the study on the questionnaire before participating. All the participants were above 18 years of age. The data were collected between 01-04-2024 to 22-08-2024. The anonymity and confidentiality of all participants were fully protected. There was no harm or coercion related to any human or animal was involved in the data collection process.
: Not applicable.
: The authors declare no competing interests.
