“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, vol. 4, no. 3, pp. 2181–2214, Mar. 2026, Accessed: Nov. 15, 2026. [Online]. Available: https://www.cmsrjournal.com/index.php/Journal/article/view/1217