Muhammad Faseeh Ansari, Asjad Abbas, Hamza Ali and Mohsin Nasir (2026) “DETERMINANTS OF MULTI-FACTOR AUTHENTICATION ADOPTION AMONG PAKISTANI INTERNET USERS: A SURVEY-BASED STUDY”, Spectrum of Engineering Sciences, 4(5), pp. 683–705. Available at: https://thesesjournal.com/index.php/1/article/view/2762 (Accessed: 28 June 2026).