Mohd Zaid, Noor Azila, Aini Hayati Musa, Hazira Mohd Nasir, Asiah Ali, Azila Sahrim, and Aslizah Mohd-Aris. 2026. “From Financial Knowledge to Financial Capability: The Role of Teaching and Learning Approaches Among University Students – A Conceptual Paper”. International Journal of Accounting, Finance and Business 11 (69):237-45. https://academicinspired.com/ijafb/article/view/4555.