Ayesha Malik, Azmeh Ayoob, Saba Mahmood, and Dr. Aamna Batool, “Financial Anxiety and Financial Well-Being Among Banking Customers: The Moderating Effect of Income Level”, JGST, vol. 2, no. 7, pp. 135–150, Jul. 2026, doi: 10.71317/jgst.2.7.2026.237.