Policymakers, financial professionals, and academics in the field of study should all find this research to be useful. This study adds to the body of knowledge in the field and has numerous applications. Overall, this research may have effects on students as individuals, universities as organisations (AKPK & PNB), and nations as a whole (BNM, ministry of education and finance). Financial literacy can be greatly aided by the interaction of the variables of attitudes, socioeconomic status, and sources. By utilising financial stress and anxiety as suggested by cognitive behaviour to increase financial literacy, this makes sure that predicted financial emotional well-being is taken care of. By deepening students' comprehension of the concepts of financial literacy, financial cognitive behaviour, financial self-efficacy, and financial emotional well-being, this research adds to the body of knowledge, particularly in Malaysia.
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