The effect of financial literacy on financial inclusion, social capital, and cognition on beginner and experienced investor. Journal of Business & Banking, [S. l.], v. 13, n. 2, p. 269–286, 2024. DOI: 10.14414/jbb.v13i2.4431. Disponível em: http://journal.perbanas.ac.id/index.php/jbb/article/view/4431. Acesso em: 18 sep. 2025.