Nurul Afiqah Shahriman, Azira Abdul Adzis. Financial Literacy, Demographic Characteristics, and Savings Behavior among Young Adults in Malaysia. JCIT [Internet]. 2026 Jan. 2 [cited 2026 Jan. 10];16(1):19-33. Available from: https://ejournal.upsi.edu.my/index.php/JCIT/article/view/12655