ZAMAN, S. U. .; KUMAR, L. .; ALAM, S. H. . 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, [S. l.], v. 3, n. 4, p. 663–680, 2024. DOI: 10.56976/jsom.v3i4.220. Disponível em: https://jsom.org.pk/index.php/Research/article/view/220. Acesso em: 2 aug. 2025.