Osman, Z., Ing Grace Phang, and I. Awg Razli. “FROM TEXTBOOKS TO CHEQUE BOOKS: CHARTING FINANCIAL LITERACY PATHS FOR UNIVERSITY STUDENTS”. Labuan Bulletin of International Business and Finance (LBIBF), vol. 22, no. 2, Dec. 2024, doi:10.51200/lbibf.v22i2.5865.