IOSR-JEF   Volume-15 ~ Issue-3 ~ May – Jun. 2024

[1] Akoto, G. O. (2016). An Analysis Of Personal Financial Literacy Among Cocoa Farmers In Ghana (Doctoral Dissertation).
[2] Alexander, G. J., Jones, J. D., & Nigro, P. J. (1998). Mutual Fund Shareholders: Characteristics, Investor Knowledge, And Sources Of Information. Financial Services Review, 7(4), 301-316.
[3] Alessie, Rob, Annamaria Lusardi, And Maarten Van Rooij. (2008). Financial Literacy, Retirement Planning, And Household Wealth. Nber Working Paper, No. 15350
[4] Allen, M. W., Edwards, R., Hayhoe, C. R., & Leach, L. (2007). Imagined Interactions, Family Money Management Patterns And Coalitions, And Attitudes Toward Money And Credit. Journal Of Family And Economic Issues, 28(1), 3-22.
[5] Almenberg, J., & Säve-Söderbergh, J. (2011). Financial Literacy And Retirement Planning In Sweden. Journal Of Pension Economics & Finance, 10(4), 585-598

[1] "How Are Startups Starting To Influence India's Socio-Economic Culture?" Times Of India Blog, 23 Feb. 2023, Timesofindia.Indiatimes.Com/Readersblog/Thinking-Wheels/How-Are-Startups-Starting-To-Influence-Indias-Socio-Economic-Culture-50816/
[2] "Top Business Houses In India Looking To Invest In Startups." The Economic Times, Economictimes.Indiatimes.Com/Small-Biz/Startups/Top-Business-Houses-In-India-Looking-To-Invest-In-Startups/Articleshow/50922990.Cms
[3] Author Links Open Overlay Panelsuraksha Gupta, And Abstractthe Socioeconomic Status Of A Region Or A Country Is Considered To Be An Indicator Of The Level Of Progress Its Society Has Achieved. Advancement Of A Society Depends Upon The Activities Undertaken By Various Actors Performing Different Functions . "Socioeconomic Reforms And Responsive Government: An Indian Perspective." Changing The Indian Economy, Elsevier, 8 June 2018, Www.Sciencedirect.Com/Science/Article/Pii/B9780081020050000071
[4] Baddache, Farid. "5 Societal Changes That Shaking Up Business And Calling For Innovation." Ksapa, 30 Apr. 2021, Ksapa.Org/5-Societal-Changes-That-Shaking-Up-Business-And-Calling-For-Innovation/
[5] How Entrepreneurial Startups Redefine India's Economic Growth | Ibm, Www.Ibm.Com/Thought-Leadership/Institute-Business-Value/Report/Startupindia

[1] De Luna, I. R., Liébana‐Cabanillas, F., Sánchez‐Fernández, J., & Muñoz‐Leiva, F. (2019). Mobile Payment Is Not All The Same: The Adoption Of Mobile Payment Systems Depending On The Technology Applied. Technological Forecasting And Social Change, 146, 931–944. Https://Doi.Org/10.1016/J.Techfore.2018.09.018
[2] Foster, B., Hurriyati, R., & Johansyah, M. D. (2022). The Effect Of Product Knowledge, Perceived Benefits, And Perceptions Of Risk On Indonesian Student Decisions To Use E-Wallets For Warunk Upnormal. Sustainability, 14(11), 6475. Https://Doi.Org/10.3390/Su14116475
[3] Griffoli, T. M., Peria, M. M., Agur, I., Ratnovski, L., Kiff, J., Popescu, A., & Rochon, C. (2018). Casting Light On Central Bank Digital Currencies. Imf Staff Discussion Note, 18(08), 1. Https://Doi.Org/10.5089/9781484384572.006
[4] Hashfi, R. U. A., Zusryn, A. S., Khoirunnisa, N. L., & Listyowati, A. R. F. A. (2020). Online Payment, Individual Characteristics, And Digital Financial Inclusion In Oic Countries. Journal Of Islamic Monetary Economics And Finance, 6(4). Https://Doi.Org/10.21098/Jimf.V6i4.1148
[5] Khurana, P. (2020). Relationship Of Problems And Personal Risk With Customer Service In Use Of Digital Wallet: A Path Analysis Model. International Journal Of Technology Transfer And Commercialisation, 17(2/3), 257. Https://Doi.Org/10.1504/Ijttc.2020.109410

[1] Adam Lucente. (2024, February 20). Egypt's Sisi: Suez Canal Revenue Down As Much As 50% Over Red Sea Attacks. Retrieved From Al-Monitor: Https://Www.Almonitor.Com/Originals/2024/02/Egypts-Sisi-Suez-Canal-Revenue-Down-Much- 50-Over- Red-Sea-Attacks
[2] Alex Longley. (2024, January 15). Add Soaring Insurance Bills To Mounting Red Sea Trade Chaos. Retrieved From Bloomberg: Https://Www.Bloomberg.Com/News/Articles/2024- 01- 15/Add-Soaring-Insurance-Bills-To-Mounting-Red-Sea-Trade-Chaos
[3] Ap. (2024, January 29). Factories Grind To A Halt As Red Sea Attacks Create Trade Bottlenecks. Retrieved From The Hindu:
Https://Www.Thehindu.Com/News/International/Factories-Grind-To-A-Halt-As-Red-Sea-Attacks-Create-Trade-Bottlenecks/Article67787929.Ece
[4] Clarksons Research. (2024). Retrieved From
Https://Drive.Google.Com/File/D/1dzn4tszlbxvu_Yp5w2nucdcsfclaerlf/View?Usp =Sharing
[5] Cnbc. (2024, January 19). Air Freight Volumes Soar As Red Sea Delays, Risks Make More Big Retailers, Auto Companies Nervous. Retrieved From Cnbc:

[1] Adeoye, A. O., Salau, A. F., & Adeoye, B. W. (2019). Impact Of Treasury Bill Investments On The Profitability Of Deposit Money Banks In Nigeria. Heliyon, 5(9), E02433.
[2] Ahmed, N., Ahmed, Z., & Khan, M. (2021). The Impact Of Repurchase Agreements On The Financial Performance Of Islamic Banks In Pakistan. Journal Of Islamic Accounting And Business Research, 12(5), 965-978.
[3] Alam, M. M., Bhowmik, D., & Bhowmik, D. (2020). The Impact Of Agent Banking On Performance Of Commercial Banks In Bangladesh. Iosr Journal Of Economics And Finance (Iosr-Jef), 11(3), 13-20.
[4] Allen, K. D., Baig, A., & Winters, D. B. (2023). The Response Of Money Market Funds To The Covid-19 Pandemic. Finance Research Letters, 54, 103790.
[5] Azimi, M. N. (2022). Assessing The Asymmetric Effects Of Capital And Money Markets On Economic Growth In China. Heliyon, 8(1), E08794.

[1] Adams (1965); Equity And Social Change In L. Berkowitz Ed. Advances In Experimental Social Psychology.
[2] Ali, M., Fjeldstad, O.-H., & Sjursen, I. H. (2013). To Pay Or Not To Pay? Citizens' Attitudes Towards Taxation In Kenya, Tanzania, Uganda And South Africa. Afrobarometer Working Paper No. 143. East Lansing: Afrobarometer.
[3] Allingham, G. & Sandmo, M. (1972). Income Tax Evasion; A Theoretical Analysis. Journal Of Public Economics, 72,323-338.
[4] Alm J., Clark, & Leibel, K. (2016).Enforcement, Socioeconomic Diversity, And Tax Filing Compliance In The United States. Southern Economic Journal, 82(3), 725-747
[5] Alm, D., Chan, C., Troutman, S., & O'bryan, D. (2021). An Expanded Model Of Taxpayer Compliance: Empirical Evidence From The United States And Hong Kong. Journal Of International Accounting, Auditing & Taxation, 9(2) 8 -12