Author

Gohar Mahmood

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Open access Nov 2026

Financial Inclusion, Energy Transition, and Human Capital Impact on Economic Sustainability: Mediating Role of Digital Transformation

This study examines how financial inclusion, energy transition, and human capital investment influence economic sustainability in developing economies and takes digital transformation as an intermediate variable. Based on a balanced panel dataset of 44 developing economies from 2015-2024, the study applies Pooled Ord...

Gohar Mahmood, Errah Asghar · Journal of Sustainable and E... · 0 citations

Open access Sep 2026

Exploring the nexus between financial inclusion, financial efficiency, and financial sustainability in the global financial system

This research examines the influence exerted by financial inclusion (FI) to fostering financial efficiency (FE) and financial sustainability (FS), while doing a comparison of the two developed and developing economies. It examines how mobile banking and Fintech can lead to the improvement of such results due to technol...

Rehana Kouser, Gohar Mahmood, W. Watto et al. · Future Business Journal · 0 citations