Factors Shaping Consumer Intentions: An In-depth Analysis of     Islamic Banking Adoption in Mirpur AJK. Center for Management Science Research, [S. l.], v. 2, n. 3, p. 45–66, 2024. Disponível em: https://cmsrjournal.com/index.php/Journal/article/view/38. Acesso em: 26 oct. 2026.