Sadia Kalsoom, Nazia Kalsoom, and Rafia Javaid Mallick. “From Banking Model to Critical Pedagogy: Challenges and Constraints in the University Classrooms”. UMT Education Review 3, no. 1 (June 12, 2020): 25–44. Accessed June 10, 2026. https://journals.umt.edu.pk/index.php/uer/article/view/563.