SHEHZADI, Yusra; AJAZ, Muhammad Yasir. Human-Centric Technological Readiness and FinTech-Driven Financial Transformation in the MENA Region: The Moderating Role of Governance Quality. Journal of Finance and Accounting Research, [S. l.], v. 8, n. 2, p. 32–60, 2026. DOI: 10.32350/jfar.82.02. Disponível em: https://ojs.umt.edu.pk/index.php/jfar/article/view/2358. Acesso em: 12 nov. 2026.