Mobile Banking Adoption and Diffusion: Enabling and Constraining Social or Financial Inclusion among Poor Women in Pakistan? - Atika Ahmad Kemal; Lin Yan (ECIS, 2015)

Mobile banking in the government-to-person payment sector for financial inclusion in Pakistan. - Atika Ahmad Kemal (Inf. Technol. Dev., 2019)

Digital innovation in social cash organizations - the effects of the institutional interactions for transforming organizational practices. - Atika Ahmad Kemal; Mahmood Hussain Shah (Inf. Technol. People, 2024)