Zaman, S. U. ., Kumar, L. ., & Alam, S. H. . (2024). The role of Financial Literacy and challenges Faced by Rural Communities in Adoption of Digital Tools: An Empirical study on District Tharparkar. Journal of Social and Organizational Matters, 3(4), 663–680. https://doi.org/10.56976/jsom.v3i4.220