Tikku, Utkarsh, Dr. Sarita Agrawal, and Dr. Happy Agrawal. “Predicting Gen Z Investment Perception Through Digital Financial Literacy and Ipo Awareness: An Interpretable Ai Framework”. International Journal of Artificial Intelligence and Machine Learning 6, no. 3 (September 1, 2026): 12–24. Accessed September 14, 2026. https://svedbergopen.com/index.php/ijaiml/article/view/1635.