The Use of Alternative Financial Services (AFS): A Social Cognitive Approach Cover

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The Use of Alternative Financial Services (AFS): A Social Cognitive Approach

Financial Planning Research Journal

Volume 12 (2026): Issue 1 (January 2026)

By: Ichchha Pandey, Olamide Olajide and Sabina Pandey

Open Access

|Jan 2026

Authors

Ichchha Pandey

ipandey@augusta.edu

Augusta University, Hull College of Business Summerville Campus, Augusta

Olamide Olajide

Texas Tech University, School of Financial Planning, Lubbock

Sabina Pandey

Appalachian State University, Walker College of Business, Department of Finance, Banking & Insurance, Boone

DOI: https://doi.org/10.2478/fprj-2026-0002 | Journal eISSN: 2206-1355 | Journal ISSN: 2206-1347

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Language: English

Published on: Jan 28, 2026

Published by: Financial Advice Association of Australia

In partnership with: Paradigm Publishing Services

Publication frequency: 2 issues per year

Keywords:

Financial literacy,

Credit card behavior,

Subjective and objective financial literacy,

financial hardship

Related subjects:

Business and economics,

Political economics,

Economic theory, systems and structures,

Business management,

Business management, other,

Banks, financial service provider, insurers

© 2026 Ichchha Pandey, Olamide Olajide, Sabina Pandey, published by Financial Advice Association of Australia
This work is licensed under the Creative Commons Attribution 4.0 License.

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