Muhammad Irfan Khan and Adnan Ahmed Siddiqui, “ATM PIN Veri?cation via Smartphones: Securing the Future of Digital Banking in Pakistan”, INHRJ, vol. 100, pp. 53–57, Dec. 2018, Accessed: Nov. 09, 2026. Available: https://mail.ieeepnhrj.org/index.php/ieeep/article/view/11