Rafay, Abdul. “PROBLEMS AND ISSUES IN TRANSFORMATION FROM CONVENTIONAL BANKING TO ISLAMIC BANKING: LITERATURE REVIEW FOR THE NEED OF A COMPREHENSIVE FRAMEWORK FOR A SMOOTH CHANGE”. CITY UNIVERSITY RESEARCH JOURNAL 5, no. 2 (September 3, 2019). Accessed May 5, 2024. https://cusitjournals.com/index.php/CURJ/article/view/73.