Shrestha, S. K., Thapa, G., Shrestha, S., Pandey, K. P., & Mahat, D. (2026). Financial attitude and literacy on financial inclusion: Mediating self-efficacy and moderating subjective norms and social networks in Nepal. Edelweiss Applied Science and Technology, 10(1), 1189–1202. https://doi.org/10.55214/2576-8484.v10i1.11905