M. N. Shahid, M. U. Islam, S. Yiwen, I. S. Munjal, and S. N. Azmi, “Financial resilience through organisational readiness: Mediating role of digital financialinnovation and digital financial literacy, and moderating role of financial inclusion”, J. manag. pract. humanit. soc. sci., vol. 10, no. 3, pp. 456–478, May 2026, doi: 10.33152/jmphss-10.3.10.