S. Jaffer, M. Zaheeruddin, R. N, F. Sultana, G. Babu, and P. S. Kumar, “Financial Literacy and Fintech Exposure As Determinants of Investment Decisions: The Mediating Role of Investment Interests – A Study of Individual Investors in Hyderabad, India”, IJAES, vol. 12, no. 5, pp. 542–549, Sep. 2025, doi: 10.14419/87y3za88.