Answer
References
Sherraden, M. S., Birkenmaier, J., & Collins, J. M. (2018). Financial capability and asset building in vulnerable households: Theory and practice. Oxford University Press.
Parenthetical citation: (Sherraden et al., 2018).
Narrative citation: Sherraden et al. (2018) argue that "people certainly need financial knowledge and skills, but overhauls and reforms in financial services and social policies are also necessary" (p. 7).
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