{"id":"https://openalex.org/W7225587361","doi":"https://doi.org/10.68156/jkb7h117","title":"DIGITAL FINANCIAL LITERACY AND FINANCIAL RESILIENCE AMONG UNIVERSITY STUDENTS IN PAKISTAN: THE MEDIATING ROLE OF FINANCIAL SELF-EFFICACY","display_name":"DIGITAL FINANCIAL LITERACY AND FINANCIAL RESILIENCE AMONG UNIVERSITY STUDENTS IN PAKISTAN: THE MEDIATING ROLE OF FINANCIAL SELF-EFFICACY","publication_year":2026,"publication_date":"2026-11-08","ids":{"openalex":"https://openalex.org/W7225587361","doi":"https://doi.org/10.68156/jkb7h117"},"language":"en","primary_location":{"id":"doi:10.68156/jkb7h117","doi":"https://doi.org/10.68156/jkb7h117","is_oa":true,"landing_page_url":"https://doi.org/10.68156/jkb7h117","pdf_url":"https://iijhmss.com/IIJHMSS/index.php/IIJHMSS/article/download/344/370","source":{"id":"https://openalex.org/S7407064754","display_name":"Insights (Bhalwal) International Journal of Humanities Management and Social Sciences","issn_l":"3104-8722","issn":["3104-8722","3104-8730"],"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"journal"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Insights (Bhalwal) International Journal of Humanities, Management, and Social Sciences","raw_type":"journal-article"},"volume":null,"type":"article","is_traditional":true,"indexed_in":["crossref"],"open_access":{"is_oa":true,"oa_status":"hybrid","oa_url":"https://iijhmss.com/IIJHMSS/index.php/IIJHMSS/article/download/344/370","any_repository_has_fulltext":false},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5161301807","display_name":"Muhammad Ilyas","orcid":null,"observed_orcids":[]},"institutions":[],"countries":[],"is_corresponding":false,"raw_author_name":"Muhammad Ilyas","raw_affiliation_strings":["PhD Scholar Iqra, University Islamabad, Pakistan"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"PhD Scholar Iqra, University Islamabad, Pakistan","institution_ids":[]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5112725214","display_name":"Imran Arshad","orcid":null,"observed_orcids":[]},"institutions":[{"id":"https://openalex.org/I195024194","display_name":"Riphah International University","ror":"https://ror.org/02kdm5630","country_code":"PK","type":"education","lineage":["https://openalex.org/I195024194"]}],"countries":["PK"],"is_corresponding":false,"raw_author_name":"Dr. Imran Arshad","raw_affiliation_strings":["Associate Professor, Faculty of Management Sciences Riphah International University, Pakistan"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Associate Professor, Faculty of Management Sciences Riphah International University, Pakistan","institution_ids":["https://openalex.org/I195024194"]}]},{"author_position":"last","author":{"id":"https://openalex.org/A5154470620","display_name":"Muhammad Irfan","orcid":null,"observed_orcids":[]},"institutions":[],"countries":[],"is_corresponding":false,"raw_author_name":"Muhammad Irfan","raw_affiliation_strings":["Deputy Director ORIC, University of Southern Punjab Multan, Pakistan"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Deputy Director ORIC, University of Southern Punjab Multan, Pakistan","institution_ids":[]}]}],"institutions":[],"countries_distinct_count":1,"institutions_distinct_count":1,"corresponding_author_ids":[],"corresponding_institution_ids":[],"apc_list":null,"apc_paid":null,"fwci":0.0,"has_fulltext":true,"cited_by_count":0,"citation_normalized_percentile":{"value":0.0,"is_in_top_1_percent":false,"is_in_top_10_percent":false},"cited_by_percentile_year":null,"biblio":{"volume":"3","issue":"8","first_page":"33","last_page":"44"},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T13744","display_name":"Financial Literacy and Behavior","score":0.9564999938011169,"subfield":{"id":"https://openalex.org/subfields/1402","display_name":"Accounting"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},"topics":[{"id":"https://openalex.org/T13744","display_name":"Financial Literacy and Behavior","score":0.9564999938011169,"subfield":{"id":"https://openalex.org/subfields/1402","display_name":"Accounting"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T10517","display_name":"Financial Literacy, Pension, Retirement Analysis","score":0.039000000804662704,"subfield":{"id":"https://openalex.org/subfields/2003","display_name":"Finance"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T11995","display_name":"FinTech, Crowdfunding, Digital Finance","score":0.000699999975040555,"subfield":{"id":"https://openalex.org/subfields/1404","display_name":"Management Information Systems"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/digital-financial-literacy","display_name":"digital financial literacy","score":1.0},{"id":"https://openalex.org/keywords/financial-resilience","display_name":"financial resilience","score":1.0},{"id":"https://openalex.org/keywords/financial-self-efficacy","display_name":"financial self-efficacy","score":1.0},{"id":"https://openalex.org/keywords/college-students","display_name":"university students","score":0.8190000057220459},{"id":"https://openalex.org/keywords/mediation","display_name":"mediation","score":0.4440000057220459},{"id":"https://openalex.org/keywords/financial-well-being","display_name":"financial well-being","score":0.6740000247955322},{"id":"https://openalex.org/keywords/digital-financial-services","display_name":"digital financial services","score":0.8960000276565552},{"id":"https://openalex.org/keywords/financial-education","display_name":"financial education","score":0.7900000214576721},{"id":"https://openalex.org/keywords/pakistan","display_name":"Pakistan","score":0.4390000104904175}],"concepts":[{"id":"https://openalex.org/C2777941463","wikidata":"https://www.wikidata.org/wiki/Q1416374","display_name":"Financial literacy","level":2,"score":0.822700023651123},{"id":"https://openalex.org/C10138342","wikidata":"https://www.wikidata.org/wiki/Q43015","display_name":"Finance","level":1,"score":0.6442999839782715},{"id":"https://openalex.org/C71104824","wikidata":"https://www.wikidata.org/wiki/Q1476639","display_name":"Structural equation modeling","level":2,"score":0.6100000143051147},{"id":"https://openalex.org/C137176749","wikidata":"https://www.wikidata.org/wiki/Q4105337","display_name":"Psychological resilience","level":2,"score":0.5080999732017517},{"id":"https://openalex.org/C179420905","wikidata":"https://www.wikidata.org/wiki/Q223871","display_name":"Mediation","level":2,"score":0.4934999942779541},{"id":"https://openalex.org/C139043278","wikidata":"https://www.wikidata.org/wiki/Q837171","display_name":"Financial services","level":2,"score":0.45660001039505005},{"id":"https://openalex.org/C71199308","wikidata":"https://www.wikidata.org/wiki/Q2990807","display_name":"Accounting management","level":3,"score":0.414000004529953},{"id":"https://openalex.org/C2779585090","wikidata":"https://www.wikidata.org/wiki/Q3457762","display_name":"Resilience (materials science)","level":2,"score":0.3849000036716461},{"id":"https://openalex.org/C15744967","wikidata":"https://www.wikidata.org/wiki/Q9418","display_name":"Psychology","level":0,"score":0.3783000111579895},{"id":"https://openalex.org/C130731218","wikidata":"https://www.wikidata.org/wiki/Q1363554","display_name":"Financial analysis","level":2,"score":0.3774000108242035},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.3718000054359436},{"id":"https://openalex.org/C23925645","wikidata":"https://www.wikidata.org/wiki/Q5449731","display_name":"Financial modeling","level":2,"score":0.3646000027656555},{"id":"https://openalex.org/C196390999","wikidata":"https://www.wikidata.org/wiki/Q11655436","display_name":"Indirect finance","level":3,"score":0.3303000032901764},{"id":"https://openalex.org/C506796395","wikidata":"https://www.wikidata.org/wiki/Q4738155","display_name":"Financial management","level":2,"score":0.329800009727478},{"id":"https://openalex.org/C610760","wikidata":"https://www.wikidata.org/wiki/Q1340706","display_name":"Endogeneity","level":2,"score":0.2994999885559082},{"id":"https://openalex.org/C2993311118","wikidata":"https://www.wikidata.org/wiki/Q51379","display_name":"Positive relationship","level":2,"score":0.29600000381469727},{"id":"https://openalex.org/C25343380","wikidata":"https://www.wikidata.org/wiki/Q277521","display_name":"Relation (database)","level":2,"score":0.29350000619888306},{"id":"https://openalex.org/C70179600","wikidata":"https://www.wikidata.org/wiki/Q1416547","display_name":"Financial plan","level":2,"score":0.2815999984741211},{"id":"https://openalex.org/C121955636","wikidata":"https://www.wikidata.org/wiki/Q4116214","display_name":"Accounting","level":1,"score":0.2809999883174896},{"id":"https://openalex.org/C2777646416","wikidata":"https://www.wikidata.org/wiki/Q242069","display_name":"Digital literacy","level":2,"score":0.2732999920845032},{"id":"https://openalex.org/C98045186","wikidata":"https://www.wikidata.org/wiki/Q205663","display_name":"Process (computing)","level":2,"score":0.2712000012397766},{"id":"https://openalex.org/C191654821","wikidata":"https://www.wikidata.org/wiki/Q247506","display_name":"Financial instrument","level":2,"score":0.26179999113082886},{"id":"https://openalex.org/C2780378061","wikidata":"https://www.wikidata.org/wiki/Q25351891","display_name":"Service (business)","level":2,"score":0.25519999861717224},{"id":"https://openalex.org/C162118730","wikidata":"https://www.wikidata.org/wiki/Q1128453","display_name":"Actuarial science","level":1,"score":0.25279998779296875}],"mesh":[],"locations_count":1,"locations":[{"id":"doi:10.68156/jkb7h117","doi":"https://doi.org/10.68156/jkb7h117","is_oa":true,"landing_page_url":"https://doi.org/10.68156/jkb7h117","pdf_url":"https://iijhmss.com/IIJHMSS/index.php/IIJHMSS/article/download/344/370","source":{"id":"https://openalex.org/S7407064754","display_name":"Insights (Bhalwal) International Journal of Humanities Management and Social Sciences","issn_l":"3104-8722","issn":["3104-8722","3104-8730"],"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"journal"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Insights (Bhalwal) International Journal of Humanities, Management, and Social Sciences","raw_type":"journal-article"}],"best_oa_location":{"id":"doi:10.68156/jkb7h117","doi":"https://doi.org/10.68156/jkb7h117","is_oa":true,"landing_page_url":"https://doi.org/10.68156/jkb7h117","pdf_url":"https://iijhmss.com/IIJHMSS/index.php/IIJHMSS/article/download/344/370","source":{"id":"https://openalex.org/S7407064754","display_name":"Insights (Bhalwal) International Journal of Humanities Management and Social Sciences","issn_l":"3104-8722","issn":["3104-8722","3104-8730"],"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"journal"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Insights (Bhalwal) International Journal of Humanities, Management, and Social Sciences","raw_type":"journal-article"},"sustainable_development_goals":[{"score":0.6164000034332275,"id":"https://metadata.un.org/sdg/4","display_name":"Quality education"}],"study_designs":[{"id":"https://openalex.org/study-designs/observational-study","display_name":"Observational Study"}],"awards":[],"funders":[],"has_content":{"grobid_xml":true,"pdf":true},"content_urls":{"pdf":"https://content.openalex.org/works/W7225587361.pdf","grobid_xml":"https://content.openalex.org/works/W7225587361.grobid-xml"},"referenced_works_count":11,"referenced_works":["https://openalex.org/W2105846236","https://openalex.org/W2131568786","https://openalex.org/W2138071797","https://openalex.org/W2955829435","https://openalex.org/W4235678817","https://openalex.org/W4402344439","https://openalex.org/W4404301582","https://openalex.org/W4408581762","https://openalex.org/W4408582125","https://openalex.org/W7127299223","https://openalex.org/W7140126893"],"related_works":["https://openalex.org/W4406374274","https://openalex.org/W7222252869","https://openalex.org/W7220436042","https://openalex.org/W7127299223","https://openalex.org/W4408251879","https://openalex.org/W7204890944","https://openalex.org/W7171811958","https://openalex.org/W7166886382","https://openalex.org/W7220531717","https://openalex.org/W7166185193"],"abstract_inverted_index":{"OBJECTIVE:":[0],"This":[1],"study":[2,112],"aimed":[3],"to":[4,16,37,118,152,164,200],"determine":[5],"the":[6,21,27,39,49,54,82,130,153,165,175,214,219,225],"relation":[7,22],"between":[8,29,41,133],"Digital":[9,30],"Financial":[10,13,31,34],"Literacy":[11,32],"with":[12,44,59,105],"Resilience":[14,35],"and":[15,33,36,51,62,129,136,149,159,161,224],"investigate":[17],"financial":[18,45,79,114,120,127,137,145,154,166,215],"self-efficacy":[19,155,186],"in":[20,217],"of":[23,221],"both.Objective:":[24],"To":[25],"see":[26],"relationship":[28,40],"explain":[38],"both":[42],"variables":[43],"self-efficacy.":[46],"As":[47],"for":[48,213,227],"method":[50],"research":[52,61],"design,":[53],"positive":[55,189],"approach":[56],"was":[57,95,187],"applied":[58],"deductive":[60],"cross":[63],"sectional":[64],"design.":[65],"The":[66,92,111,139,182,208],"respondents":[67],"included":[68],"adult":[69],"university":[70],"students":[71],"who":[72],"had":[73],"accessed":[74],"at":[75],"least":[76,99],"one":[77],"digital":[78,134,144,222],"service":[80],"during":[81],"past":[83],"six":[84],"months.":[85],"Forty":[86],"(400)":[87],"valid":[88],"responses":[89],"were":[90,147],"received.":[91],"hypothesized":[93],"model":[94],"tested":[96],"using":[97],"partial":[98,203],"squares":[100],"structural":[101],"equation":[102],"modeling":[103],"(PLS-SEM)":[104],"5000":[106],"bootstrap":[107],"resample":[108],"number.":[109],"Contribution:":[110],"identifies":[113],"resilience":[115,167],"(the":[116],"ability":[117],"manage":[119],"disruptions)":[121],"as":[122],"a":[123,201],"different":[124],"phenomenon":[125],"from":[126,179],"well-being,":[128],"psychological":[131],"process":[132],"skills":[135,146],"coping.":[138],"results":[140,209],"indicated":[141],"that":[142],"perceived":[143],"significantly":[148,160],"positively":[150,162],"related":[151,163],"(\u03b2":[156,190],"=":[157,171,191],".52);":[158],"(direct":[168],"path,":[169],"\u03b2":[170],".23)":[172],"based":[173],"on":[174],"survey":[176],"data":[177],"obtained":[178],"400":[180],"students.":[181,228],"indirect":[183],"association":[184],"via":[185],"also":[188],".20,":[192],"95%":[193],"CI":[194],"[.15,":[195],".27])":[196],"which":[197],"lent":[198],"support":[199],"complementary":[202],"mediation":[204],"path.":[205],"Practical":[206],"implications:":[207],"can":[210],"be":[211],"used":[212],"education":[216],"university,":[218],"protection":[220],"consumers":[223],"aid":[226]},"counts_by_year":[],"updated_date":"2026-11-10T11:39:43.021295","created_date":"2026-11-09T00:00:00"}
