Mohammad Nazim, N. I. I., S. Mohamed Shuhidan, H. Hashim, and M. S. Rahman. “Digital Literacy Skills and Digital Financial Inclusion Toward Socio-Economic Development : A Proposed Framework”. Environment-Behaviour Proceedings Journal, vol. 10, no. SI27, Apr. 2025, pp. 131-7, doi:10.21834/e-bpj.v10iSI27.6829.