Sahibzada Qadeerullah; Dr. Najib Ullah Khan; Javed Ullah khan. The Impact of Financial Literacy, Risk Tolerance, and Innovation Adoption on Investment Decisions: Evidence from Retail Investors. CISSMP 2025, 4 (1), 59-73. https://doi.org/10.61503/cissmp.4.1.2025.276.