Z. H. Shaikh, K. S. S. Ray, D. M. Mahapatra, and M. Imran, “ ‘Driving Digital Dividend at the Bottom of the Pyramid: Financial Literacy, Cultural Aspirations, Educational access and OTT Platform Strategies among Tribal Students’”, jcasc, vol. 10, no. 2, pp. 4543–4553, Nov. 2025.