Understanding the Impact of Behavioral Intentions on Financial Inclusion: A Mediated Analysis of Perceived Effectiveness, Risk, and Benefits among University Students in Pakistan Using Smart-PLS. Journal of Asian Development Studies, [S. l.], v. 14, n. 1, p. 182–195, 2025. DOI: 10.62345/jads.2025.14.1.14. Disponível em: https://www.poverty.com.pk/index.php/Journal/article/view/3133. Acesso em: 11 sep. 2026.