YUMNA ASHRAF; MALIK SHAHZAD SHABBIR. An Empirical Investigation on Brick and Mortar Attributes for the Effective Adaptation of Online Banking in Pakistan. UW Journal of Management Sciences, [S. l.], v. 3, n. 2, p. 83–96, 2022. DOI: 10.56220/uwjms.v3i2.31. Disponível em: https://uwjms.org.pk/index.php/uwjms/article/view/31. Acesso em: 6 apr. 2026.