A. A. Maitlo, S. A. Bhutto, H. A. Brohi, L. N. Dootio, and Muqadas Siyal, “Study of Financial Literacy, Financial Self-Efficacy and Financial Behavior: A Two Stage Mediation Mechanism of Financial Socialization”, JISR-MSSE, vol. 23, no. 3, pp. 43–58, Sep. 2025.