ABBAS, Khazir. Financial Literacy, Risk Perception, and the Effectiveness of Digital Tools in Investment Decision-Making. iRASD Journal of Finance, [S. l.], v. 3, n. 1, p. 29–35, 2024. Disponível em: https://internationalrasd.org/journals/index.php/jof/article/view/3022. Acesso em: 21 dec. 2025.