“Extending the Technology Acceptance Model for Islamic Digital Banking: The Mediating Role of Attitude and the Moderating Role of Self-Efficacy in Pakistan”. International Journal of Emerging Multidisciplinaries: Social Science, vol. 5, no. 5, Oct. 2026, pp. 102-30, https://doi.org/10.54938/ijemdss.2026.05.5.845.