Y. Jenusha Ananthy, K. Asha, and S. Edmund Christopher, “Exploring the Impact of Financial Education Initiatives on Responsible Banking Behaviours: A Study of Pradhan Mantri Jan Dhan Yojana (PMJDY) Account Holders”, IAJSE, vol. 13, no. 1, pp. 185–194, Mar. 2026, doi: 10.71086/IAJSE/V13I1/IAJSE1319.