Fraz , Arshed Butt, et al. “From Digital Readiness to Employability: Mediating Role of Artificial Intelligence Competence and the Moderating Influence of Policy Support Among Malaysian Graduates: DOI: Https: doi.org 10.33093 Ijomfa.2026.7.2.2”. International Journal of Management, Finance and Accounting, vol. 7, no. 2, Aug. 2026, pp. 50-82, doi:10.33093/ijomfa.2026.7.2.2.