Ali, Sharafat, et al. “Adoption of E-Wallet Usefulness and E-Wallet Risk in Impulsive Buying: Testing the Moderating Role of Low Distribution Charges in Post Covid-19 Era”. Pakistan Journal of Humanities and Social Sciences, vol. 11, no. 2, June 2023, pp. 1185–1197, doi:10.52131/pjhss.2023.1102.0426.