AN INTEGRATED FINTECH–ENTREPRENEURSHIP FRAMEWORK FOR STARTUP FINANCIAL INCLUSION, VENTURE CAPITAL ACCESS, AND SUSTAINABLE GROWTH UNDER PAKISTAN–MALAYSIA DIGITAL ECONOMY POLICIES: A JOINT LUMS–UNIVERSITI MALAYA RESEARCH INITIATIVE. cmsr. 2026;4(3):2181-2214. Accessed November 15, 2026. https://www.cmsrjournal.com/index.php/Journal/article/view/1217