Mohammad Nazim, Naily Irdina Iman, Shamila Mohamed Shuhidan, Husain Hashim, and Mohd Saiful Rahman. “Digital Literacy Skills and Digital Financial Inclusion Toward Socio-Economic Development : A Proposed Framework”. Environment-Behaviour Proceedings Journal 10, no. SI27 (April 15, 2025): 131–137. Accessed September 21, 2025. https://ebpj.e-iph.co.uk/index.php/EBProceedings/article/view/6829.