Dr. Malkeet Singh, Ms. Anjali, Ms. Priya Sethi. “Beyond Personality: Emotional Finance and Risk Tolerance As Parallel Psychological Mechanisms of Retail Investment Decision-Making”. International journal of economic perspectives 20, no. 8 (August 19, 2026): 103–115. Accessed August 19, 2026. https://ijeponline.com/index.php/journal/article/view/1143.