Shrestha, Sajeeb Kumar, et al. “Financial Attitude and Literacy on Financial Inclusion: Mediating Self-Efficacy and Moderating Subjective Norms and Social Networks in Nepal”. Edelweiss Applied Science and Technology, vol. 10, no. 1, Jan. 2026, pp. 1189-02, doi:10.55214/2576-8484.v10i1.11905.