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Author

Surayya Jamal

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Open access Sep 2026

Social and Cultural Determinants of Women’s Financial Independence in Pakistan

The empowerment of women is empowered by their financial ability, but in Pakistan, this is influenced by norms and values of families and communities. This study examined how social and cultural factors affect women's financial independence based on their daily experiences of employment opportunities, household expecta...

Surayya Jamal · 0 citations
Open access Aug 2026

AI Capability, Risk Management and Financial Performance: Evidence from Islamic Banks

This study investigates the relationship between artificial intelligence, AI capability and financial performance in Islamic banks and examines whether risk management serves as a mediating mechanism in this relationship. Drawing on the resource-based view and dynamic capabilities theory, the study further examines whe...

Quratulain Zafar, Haris Mehmood, Surayya Jamal et al. · 0 citations

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