Muhammad Fahad and Saira Naheed (2026) “CYBERCRIME-ORIENTED AND DIGITALIZED FINANCE FRAUD IN PAKISTAN: A CASE OF FRAUD-AS-A-SERVICE (FAAS)”, Policy Research Journal, 4(3), pp. 1069–1079. Available at: https://policyrj.com/1/article/view/1775 (Accessed: 9 October 2026).