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Article History

Received: 22 May 2025

Accepted: 6 July 2026

First Online: 8 July 2026

Declarations

:

: This study was conducted as per the protocols of the Declaration of Helsinki. Ethical approval was taken from the Institutional Review Board (IRB) of Pokhara University (Ref. no. 87 − 079/80). Similarly, formal approval was obtained from the banks to collect data, and written informed consent was taken from all the participants. Participation in the study was entirely voluntary, and they were informed about their right to withdraw at any time without any consequences. In addition, confidentiality and anonymity were ensured by assigning code numbers to participants instead of using their names. Data security was ensured by storing digital data in a password-protected computer, while paper records were stored in locked filing cabinets.

: Not applicable.

: The authors declare no competing interests.