Developing An Expected Return-Based Optimal Prudence (EROP) Model: A New Framework For Digital Investment Decisions Among Millennials. International Journal of Environmental Sciences, [S. l.], p. 34–40, 2025. DOI: 10.64252/b18v2n23. Disponível em: https://theaspd.com/index.php/ijes/article/view/8473.. Acesso em: 11 sep. 2025.