Ali, Raza, Zahid Hussain Sahito, and Subhan Masood. “Digital Banking Usage, Financial Well-Being, and Psychological Resilience Among Young Adults: The Mediating Role of Financial Self-Efficacy”. Journal of Global Social Transformation 2, no. 9 (September 1, 2026): 33–48. Accessed October 11, 2026. https://rjsaonline.org/index.php/JGST/article/view/514.