Ameenullah Aman, and Umair Wahab. “Human Capital and Banking Performance in Pakistan: The Moderating Role of Income Diversification”. Social Science Review Archives 3, no. 2 (April 30, 2025): 2119–2129. Accessed April 16, 2026. https://policyjournalofms.com/index.php/6/article/view/1096.