Muhammad Farrukh Abid, “Cross-Industry Application Development Strategies for Optimizing E-Commerce, Retail, Banking, and Telecom Systems”, IJFIN, vol. 38, no. 1, pp. 1–8, Jan. 2025, Accessed: Dec. 11, 2025. [Online]. Available: https://ijfin.org/index.php/ijfin/article/view/IJFIN_38_01_001