Ka-Kit, Jason Chin, Sharmila Thinagar, Mei Ling Sai, and Vikniswari Vija Kumaran. “UNDERSTANDING SAVING BEHAVIOUR AMONG YOUNG ADULTS: THE MEDIATING ROLE OF FINANCIAL LITERACY”. INTERNATIONAL JOURNAL OF EDUCATION, PSYCHOLOGY AND COUNSELLING (IJEPC) 11, no. 64 (September 28, 2026): 1456–1471. Accessed October 19, 2026. https://gaexcellence.com/index.php/ijepc/article/view/8596.