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Abbas, Noman, Khan, Mohsin Raza and Nazir, Muhammad Arsalan ORCID: https://orcid.org/0000-0001-5416-9010 (2023) Investigating fintech innovation adoption in Pakistan: analysing the influence of perceived benefits and perceived risks. International Journal of Business Innovation and Research (IJBIR). ISSN 1751-0252 (Print), 1751-0260 (Online) (doi:10.1504/IJBIR.2023.10061670)