Maryam Khameis Saeed Alfalahi Alyammahi, Mohamad Rohieszan Ramdan, Novika Candra Astuti, and Hariyaty Ab Wahid, “Financial Literacy, Digital Financial Access, and SME Distribution Performance in the UAE: A Mediation Analysis”, IJCISIM, vol. 18, no. 16s, pp. 1686–1703, Aug. 2026.