SU, L.; DHANDA, K. . Financial Capability Formation and the Variables that Effect It with Respect to Canadian Consumers . International Journal of Applied Research in Management and Economics, [S. l.], v. 4, n. 3, p. 19–42, 2021. DOI: 10.33422/ijarme.v4i3.748. Disponível em: https://www.dpublication.com/journal/IJARME/article/view/748. Acesso em: 12 oct. 2025.