Siminică, M.; Zaharia, A.; Lădaru, G.-R.; Cîrciumaru, D.; Câmpeanu, C. A Deep Dive into Financial Confidence of Romanians: Drivers and Blockers Who Shape Financial Perception. JBEM 2026, 27 (3), 656–677. https://doi.org/10.3846/jbem.2026.28115.