The research looked at how financial knowledge and access to financial services affect people's attitudes towards money and their ability to bounce back from financial challenges. They surveyed 239 small businesses and found that having good financial knowledge and access to financial services can lead to positive attitudes towards money, which in turn can help people better handle financial difficulties. The study showed that having a positive attitude towards money can directly contribute to financial security. In simple terms, knowing how to manage money and having access to financial services can help people develop a positive mindset towards money, which can improve their financial well-being in the long run.