Dr Asim Ray, Dr Sukhpreet K Thind,. “Evaluating The Impact of Financial Literacy Programs on Investment Behaviours: A Survey Study”. European Economic Letters (EEL) 13, no. 5 (December 26, 2023): 1592–1607. Accessed October 10, 2025. https://www.eelet.org.uk/index.php/journal/article/view/941.