AFSHAN HANIF , PROF. DR. ASHFAQ AHMAD. EXPLORATION AND VALIDATION OF FINANCIAL TECHNOLOGY (FINTECH) INSTRUMENT FOR MICROFINANCE INSTITUTIONS (MFIS). TPM – Testing, Psychometrics, Methodology in Applied Psychology, [S. l.], v. 32, n. 2- June, p. 1128–1139, 2025. Disponível em: https://tpmap.org/submission/index.php/tpm/article/view/2543. Acesso em: 13 nov. 2025.