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

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

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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,
AFS,
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,
Industries,
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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