id	sid	tid	token	lemma	pos
ajis01-10050	1	1	100	100	NUM
ajis01-10050	1	2	|	|	ADV
ajis01-10050	1	3	p	p	X
ajis01-10050	1	4	a	a	DET
ajis01-10050	1	5	g	g	PROPN
ajis01-10050	1	6	e	e	X
ajis01-10050	1	7	indonesian	indonesian	ADJ
ajis01-10050	1	8	millennial	millennial	PROPN
ajis01-10050	1	9	’s	’s	PART
ajis01-10050	1	10	financial	financial	ADJ
ajis01-10050	1	11	behaviour	behaviour	NOUN
ajis01-10050	1	12	:	:	PUNCT
ajis01-10050	1	13	the	the	DET
ajis01-10050	1	14	role	role	NOUN
ajis01-10050	1	15	of	of	ADP
ajis01-10050	1	16	financial	financial	ADJ
ajis01-10050	1	17	literacy	literacy	NOUN
ajis01-10050	1	18	in	in	ADP
ajis01-10050	1	19	intention	intention	NOUN
ajis01-10050	1	20	to	to	PART
ajis01-10050	1	21	use	use	VERB
ajis01-10050	1	22	fintech	fintech	NOUN
ajis01-10050	1	23	lending	lending	NOUN
ajis01-10050	1	24	m.	m.	NOUN
ajis01-10050	1	25	kurnia	kurnia	PROPN
ajis01-10050	1	26	rahman	rahman	PROPN
ajis01-10050	1	27	abadi¹	abadi¹	PROPN
ajis01-10050	1	28	,	,	PUNCT
ajis01-10050	1	29	umi	umi	PROPN
ajis01-10050	1	30	saida²	saida²	X
ajis01-10050	2	1	1university	1university	NUM
ajis01-10050	2	2	of	of	ADP
ajis01-10050	2	3	darussalam	darussalam	PROPN
ajis01-10050	2	4	gontor	gontor	NOUN
ajis01-10050	2	5	,	,	PUNCT
ajis01-10050	2	6	indonesia	indonesia	PROPN
ajis01-10050	2	7	2pascasarjana	2pascasarjana	PROPN
ajis01-10050	2	8	institut	institut	PROPN
ajis01-10050	2	9	agama	agama	PROPN
ajis01-10050	2	10	islam	islam	PROPN
ajis01-10050	2	11	negeri	negeri	PROPN
ajis01-10050	2	12	(	(	PUNCT
ajis01-10050	2	13	iain	iain	PROPN
ajis01-10050	2	14	)	)	PUNCT
ajis01-10050	2	15	ponorogo	ponorogo	PROPN
ajis01-10050	2	16	,	,	PUNCT
ajis01-10050	2	17	indonesia	indonesia	PROPN
ajis01-10050	2	18	correspondence	correspondence	NOUN
ajis01-10050	2	19	:	:	PUNCT
ajis01-10050	2	20	didikkurnia@unida.gontor.ac.id	didikkurnia@unida.gontor.ac.id	PROPN
ajis01-10050	2	21	abstrak	abstrak	PROPN
ajis01-10050	2	22	.	.	PUNCT
ajis01-10050	3	1	the	the	DET
ajis01-10050	3	2	significance	significance	NOUN
ajis01-10050	3	3	of	of	ADP
ajis01-10050	3	4	financial	financial	ADJ
ajis01-10050	3	5	behaviour	behaviour	NOUN
ajis01-10050	3	6	among	among	ADP
ajis01-10050	3	7	millennials	millennial	NOUN
ajis01-10050	3	8	,	,	PUNCT
ajis01-10050	3	9	particularly	particularly	ADV
ajis01-10050	3	10	concerning	concern	VERB
ajis01-10050	3	11	fintech	fintech	NOUN
ajis01-10050	3	12	lending	lending	NOUN
ajis01-10050	3	13	,	,	PUNCT
ajis01-10050	3	14	is	be	AUX
ajis01-10050	3	15	important	important	ADJ
ajis01-10050	3	16	.	.	PUNCT
ajis01-10050	4	1	fintech	fintech	NOUN
ajis01-10050	4	2	lending	lending	NOUN
ajis01-10050	4	3	is	be	AUX
ajis01-10050	4	4	a	a	DET
ajis01-10050	4	5	complex	complex	ADJ
ajis01-10050	4	6	subject	subject	NOUN
ajis01-10050	4	7	that	that	PRON
ajis01-10050	4	8	is	be	AUX
ajis01-10050	4	9	increasingly	increasingly	ADV
ajis01-10050	4	10	being	be	AUX
ajis01-10050	4	11	studied	study	VERB
ajis01-10050	4	12	.	.	PUNCT
ajis01-10050	5	1	however	however	ADV
ajis01-10050	5	2	,	,	PUNCT
ajis01-10050	5	3	it	it	PRON
ajis01-10050	5	4	also	also	ADV
ajis01-10050	5	5	provides	provide	VERB
ajis01-10050	5	6	a	a	DET
ajis01-10050	5	7	solution	solution	NOUN
ajis01-10050	5	8	for	for	ADP
ajis01-10050	5	9	quick	quick	ADJ
ajis01-10050	5	10	and	and	CCONJ
ajis01-10050	5	11	easy	easy	ADJ
ajis01-10050	5	12	funds	fund	NOUN
ajis01-10050	5	13	.	.	PUNCT
ajis01-10050	6	1	this	this	DET
ajis01-10050	6	2	study	study	NOUN
ajis01-10050	6	3	proposes	propose	VERB
ajis01-10050	6	4	to	to	PART
ajis01-10050	6	5	notice	notice	VERB
ajis01-10050	6	6	the	the	DET
ajis01-10050	6	7	financial	financial	ADJ
ajis01-10050	6	8	behaviour	behaviour	NOUN
ajis01-10050	6	9	of	of	ADP
ajis01-10050	6	10	millennials	millennial	NOUN
ajis01-10050	6	11	by	by	ADP
ajis01-10050	6	12	looking	look	VERB
ajis01-10050	6	13	at	at	ADP
ajis01-10050	6	14	their	their	PRON
ajis01-10050	6	15	financial	financial	ADJ
ajis01-10050	6	16	literacy	literacy	NOUN
ajis01-10050	6	17	and	and	CCONJ
ajis01-10050	6	18	how	how	SCONJ
ajis01-10050	6	19	it	it	PRON
ajis01-10050	6	20	affects	affect	VERB
ajis01-10050	6	21	their	their	PRON
ajis01-10050	6	22	plan	plan	NOUN
ajis01-10050	6	23	to	to	PART
ajis01-10050	6	24	use	use	VERB
ajis01-10050	6	25	fintech	fintech	NOUN
ajis01-10050	6	26	lending	lending	NOUN
ajis01-10050	6	27	.	.	PUNCT
ajis01-10050	7	1	the	the	DET
ajis01-10050	7	2	study	study	NOUN
ajis01-10050	7	3	practices	practice	VERB
ajis01-10050	7	4	a	a	DET
ajis01-10050	7	5	quantitative	quantitative	ADJ
ajis01-10050	7	6	research	research	NOUN
ajis01-10050	7	7	approach	approach	NOUN
ajis01-10050	7	8	and	and	CCONJ
ajis01-10050	7	9	gathered	gather	VERB
ajis01-10050	7	10	data	datum	NOUN
ajis01-10050	7	11	from	from	ADP
ajis01-10050	7	12	359	359	NUM
ajis01-10050	7	13	respondents	respondent	NOUN
ajis01-10050	7	14	through	through	ADP
ajis01-10050	7	15	purposive	purposive	ADJ
ajis01-10050	7	16	random	random	ADJ
ajis01-10050	7	17	sampling	sampling	NOUN
ajis01-10050	7	18	.	.	PUNCT
ajis01-10050	8	1	structural	structural	ADJ
ajis01-10050	8	2	equation	equation	NOUN
ajis01-10050	8	3	modelling	modelling	NOUN
ajis01-10050	8	4	was	be	AUX
ajis01-10050	8	5	used	use	VERB
ajis01-10050	8	6	to	to	PART
ajis01-10050	8	7	test	test	VERB
ajis01-10050	8	8	the	the	DET
ajis01-10050	8	9	hypotheses	hypothesis	NOUN
ajis01-10050	8	10	.	.	PUNCT
ajis01-10050	9	1	the	the	DET
ajis01-10050	9	2	study	study	NOUN
ajis01-10050	9	3	found	find	VERB
ajis01-10050	9	4	that	that	SCONJ
ajis01-10050	9	5	the	the	DET
ajis01-10050	9	6	variables	variable	NOUN
ajis01-10050	9	7	of	of	ADP
ajis01-10050	9	8	the	the	DET
ajis01-10050	9	9	theory	theory	NOUN
ajis01-10050	9	10	of	of	ADP
ajis01-10050	9	11	planned	plan	VERB
ajis01-10050	9	12	behaviour	behaviour	NOUN
ajis01-10050	9	13	do	do	AUX
ajis01-10050	9	14	not	not	PART
ajis01-10050	9	15	directly	directly	ADV
ajis01-10050	9	16	affect	affect	VERB
ajis01-10050	9	17	the	the	DET
ajis01-10050	9	18	intention	intention	NOUN
ajis01-10050	9	19	to	to	PART
ajis01-10050	9	20	use	use	VERB
ajis01-10050	9	21	fintech	fintech	NOUN
ajis01-10050	9	22	,	,	PUNCT
ajis01-10050	9	23	on	on	ADP
ajis01-10050	9	24	the	the	DET
ajis01-10050	9	25	other	other	ADJ
ajis01-10050	9	26	hand	hand	NOUN
ajis01-10050	9	27	,	,	PUNCT
ajis01-10050	9	28	financial	financial	ADJ
ajis01-10050	9	29	literacy	literacy	NOUN
ajis01-10050	9	30	has	have	VERB
ajis01-10050	9	31	a	a	DET
ajis01-10050	9	32	significant	significant	ADJ
ajis01-10050	9	33	influence	influence	NOUN
ajis01-10050	9	34	.	.	PUNCT
ajis01-10050	10	1	the	the	DET
ajis01-10050	10	2	consequences	consequence	NOUN
ajis01-10050	10	3	of	of	ADP
ajis01-10050	10	4	this	this	DET
ajis01-10050	10	5	study	study	NOUN
ajis01-10050	10	6	are	be	AUX
ajis01-10050	10	7	useful	useful	ADJ
ajis01-10050	10	8	for	for	ADP
ajis01-10050	10	9	investors	investor	NOUN
ajis01-10050	10	10	,	,	PUNCT
ajis01-10050	10	11	financial	financial	ADJ
ajis01-10050	10	12	institutions	institution	NOUN
ajis01-10050	10	13	,	,	PUNCT
ajis01-10050	10	14	and	and	CCONJ
ajis01-10050	10	15	government	government	NOUN
ajis01-10050	10	16	officials	official	NOUN
ajis01-10050	10	17	since	since	SCONJ
ajis01-10050	10	18	it	it	PRON
ajis01-10050	10	19	emphasises	emphasise	VERB
ajis01-10050	10	20	the	the	DET
ajis01-10050	10	21	necessity	necessity	NOUN
ajis01-10050	10	22	of	of	ADP
ajis01-10050	10	23	knowing	know	VERB
ajis01-10050	10	24	millennials	millennial	NOUN
ajis01-10050	10	25	'	'	PART
ajis01-10050	10	26	financial	financial	ADJ
ajis01-10050	10	27	behaviours	behaviour	NOUN
ajis01-10050	10	28	.	.	PUNCT
ajis01-10050	11	1	these	these	DET
ajis01-10050	11	2	behaviours	behaviour	NOUN
ajis01-10050	11	3	can	can	AUX
ajis01-10050	11	4	impact	impact	VERB
ajis01-10050	11	5	their	their	PRON
ajis01-10050	11	6	product	product	NOUN
ajis01-10050	11	7	choices	choice	NOUN
ajis01-10050	11	8	,	,	PUNCT
ajis01-10050	11	9	as	as	SCONJ
ajis01-10050	11	10	seen	see	VERB
ajis01-10050	11	11	in	in	ADP
ajis01-10050	11	12	their	their	PRON
ajis01-10050	11	13	susceptibility	susceptibility	NOUN
ajis01-10050	11	14	to	to	ADP
ajis01-10050	11	15	the	the	DET
ajis01-10050	11	16	fomo	fomo	NOUN
ajis01-10050	11	17	syndrome	syndrome	NOUN
ajis01-10050	11	18	keywords	keyword	NOUN
ajis01-10050	11	19	:	:	PUNCT
ajis01-10050	11	20	financial	financial	ADJ
ajis01-10050	11	21	behaviour	behaviour	NOUN
ajis01-10050	11	22	,	,	PUNCT
ajis01-10050	11	23	financial	financial	ADJ
ajis01-10050	11	24	literacy	literacy	NOUN
ajis01-10050	11	25	,	,	PUNCT
ajis01-10050	11	26	fomo	fomo	NOUN
ajis01-10050	11	27	,	,	PUNCT
ajis01-10050	11	28	intention	intention	NOUN
ajis01-10050	11	29	to	to	PART
ajis01-10050	11	30	use	use	VERB
ajis01-10050	11	31	,	,	PUNCT
ajis01-10050	11	32	millennial	millennial	ADJ
ajis01-10050	11	33	introduction	introduction	NOUN
ajis01-10050	11	34	technological	technological	ADJ
ajis01-10050	11	35	progress	progress	NOUN
ajis01-10050	11	36	is	be	AUX
ajis01-10050	11	37	crucial	crucial	ADJ
ajis01-10050	11	38	for	for	ADP
ajis01-10050	11	39	adapting	adapt	VERB
ajis01-10050	11	40	to	to	ADP
ajis01-10050	11	41	economic	economic	ADJ
ajis01-10050	11	42	shifts	shift	NOUN
ajis01-10050	11	43	,	,	PUNCT
ajis01-10050	11	44	with	with	ADP
ajis01-10050	11	45	the	the	DET
ajis01-10050	11	46	financial	financial	ADJ
ajis01-10050	11	47	industry	industry	NOUN
ajis01-10050	11	48	embracing	embrace	VERB
ajis01-10050	11	49	advancements	advancement	NOUN
ajis01-10050	11	50	like	like	ADP
ajis01-10050	11	51	fintech	fintech	NOUN
ajis01-10050	11	52	lending	lending	NOUN
ajis01-10050	11	53	to	to	PART
ajis01-10050	11	54	offer	offer	VERB
ajis01-10050	11	55	convenient	convenient	ADJ
ajis01-10050	11	56	financial	financial	ADJ
ajis01-10050	11	57	services.1	services.1	NOUN
ajis01-10050	11	58	this	this	DET
ajis01-10050	11	59	impacts	impact	NOUN
ajis01-10050	11	60	1	1	NUM
ajis01-10050	11	61	betty	betty	PROPN
ajis01-10050	11	62	l	l	PROPN
ajis01-10050	11	63	louie	louie	PROPN
ajis01-10050	11	64	and	and	CCONJ
ajis01-10050	11	65	martha	martha	PROPN
ajis01-10050	11	66	wang	wang	PROPN
ajis01-10050	11	67	,	,	PUNCT
ajis01-10050	11	68	“	"	PUNCT
ajis01-10050	11	69	china	china	PROPN
ajis01-10050	11	70	’	'	PUNCT
ajis01-10050	11	71	s	s	AUX
ajis01-10050	11	72	forthcoming	forthcome	VERB
ajis01-10050	11	73	digital	digital	ADJ
ajis01-10050	11	74	currency	currency	NOUN
ajis01-10050	11	75	 	 	SPACE
ajis01-10050	11	76	:	:	PUNCT
ajis01-10050	11	77	implications	implication	NOUN
ajis01-10050	11	78	for	for	ADP
ajis01-10050	11	79	foreign	foreign	ADJ
ajis01-10050	11	80	companies	company	NOUN
ajis01-10050	11	81	and	and	CCONJ
ajis01-10050	11	82	fi	fi	ADJ
ajis01-10050	11	83	nancial	nancial	ADJ
ajis01-10050	11	84	institutions	institution	NOUN
ajis01-10050	11	85	in	in	ADP
ajis01-10050	11	86	china	china	PROPN
ajis01-10050	11	87	,	,	PUNCT
ajis01-10050	11	88	”	"	PUNCT
ajis01-10050	11	89	journal	journal	NOUN
ajis01-10050	11	90	of	of	ADP
ajis01-10050	11	91	institut	institut	PROPN
ajis01-10050	11	92	agama	agama	PROPN
ajis01-10050	11	93	islam	islam	PROPN
ajis01-10050	11	94	negeri	negeri	PROPN
ajis01-10050	11	95	(	(	PUNCT
ajis01-10050	11	96	iain	iain	PROPN
ajis01-10050	11	97	)	)	PUNCT
ajis01-10050	11	98	curup	curup	NOUN
ajis01-10050	11	99	,	,	PUNCT
ajis01-10050	11	100	indonesia	indonesia	PROPN
ajis01-10050	11	101	issn	issn	PROPN
ajis01-10050	11	102	2580	2580	NUM
ajis01-10050	11	103	-	-	SYM
ajis01-10050	11	104	3174	3174	NUM
ajis01-10050	11	105	,	,	PUNCT
ajis01-10050	11	106	(	(	PUNCT
ajis01-10050	11	107	p	p	NOUN
ajis01-10050	11	108	)	)	PUNCT
ajis01-10050	11	109	;	;	PUNCT
ajis01-10050	11	110	2580	2580	NUM
ajis01-10050	11	111	-	-	SYM
ajis01-10050	11	112	3190	3190	NUM
ajis01-10050	11	113	(	(	PUNCT
ajis01-10050	11	114	e	e	NOUN
ajis01-10050	11	115	)	)	PUNCT
ajis01-10050	11	116	volume	volume	NOUN
ajis01-10050	11	117	9	9	NUM
ajis01-10050	11	118	,	,	PUNCT
ajis01-10050	11	119	number	number	NOUN
ajis01-10050	11	120	1	1	NUM
ajis01-10050	11	121	,	,	PUNCT
ajis01-10050	11	122	2024	2024	NUM
ajis01-10050	11	123	|	|	NOUN
ajis01-10050	11	124	page	page	NOUN
ajis01-10050	11	125	:	:	PUNCT
ajis01-10050	11	126	100	100	NUM
ajis01-10050	11	127	-	-	SYM
ajis01-10050	11	128	117	117	NUM
ajis01-10050	11	129	doi	doi	NOUN
ajis01-10050	11	130	:	:	PUNCT
ajis01-10050	11	131	http://doi.org/10.29240/ajis.v9i1.10050	http://doi.org/10.29240/ajis.v9i1.10050	PROPN
ajis01-10050	11	132	academic	academic	ADJ
ajis01-10050	11	133	journal	journal	NOUN
ajis01-10050	11	134	of	of	ADP
ajis01-10050	11	135	islamic	islamic	ADJ
ajis01-10050	11	136	studies	study	NOUN
ajis01-10050	11	137	101	101	NUM
ajis01-10050	11	138	|	|	ADV
ajis01-10050	11	139	ajis	ajis	ADV
ajis01-10050	11	140	:	:	PUNCT
ajis01-10050	11	141	academic	academic	ADJ
ajis01-10050	11	142	journal	journal	NOUN
ajis01-10050	11	143	of	of	ADP
ajis01-10050	11	144	islamic	islamic	PROPN
ajis01-10050	11	145	studies	study	NOUN
ajis01-10050	11	146	,	,	PUNCT
ajis01-10050	11	147	vol	vol	NOUN
ajis01-10050	11	148	.	.	PROPN
ajis01-10050	12	1	9	9	NUM
ajis01-10050	12	2	,	,	PUNCT
ajis01-10050	12	3	no	no	INTJ
ajis01-10050	12	4	.	.	NOUN
ajis01-10050	12	5	1	1	NUM
ajis01-10050	12	6	,	,	PUNCT
ajis01-10050	12	7	2024	2024	NUM
ajis01-10050	12	8	lifestyles	lifestyle	NOUN
ajis01-10050	12	9	and	and	CCONJ
ajis01-10050	12	10	mindsets	mindset	NOUN
ajis01-10050	12	11	,	,	PUNCT
ajis01-10050	12	12	especially	especially	ADV
ajis01-10050	12	13	among	among	ADP
ajis01-10050	12	14	millennials	millennial	NOUN
ajis01-10050	12	15	.	.	PUNCT
ajis01-10050	13	1	fintech	fintech	NOUN
ajis01-10050	13	2	lending	lending	NOUN
ajis01-10050	13	3	has	have	AUX
ajis01-10050	13	4	gained	gain	VERB
ajis01-10050	13	5	importance	importance	NOUN
ajis01-10050	13	6	post	post	NOUN
ajis01-10050	13	7	-	-	NOUN
ajis01-10050	13	8	demonetization	demonetization	NOUN
ajis01-10050	13	9	and	and	CCONJ
ajis01-10050	13	10	during	during	ADP
ajis01-10050	13	11	the	the	DET
ajis01-10050	13	12	covid19	covid19	NOUN
ajis01-10050	13	13	pandemic	pandemic	ADJ
ajis01-10050	13	14	,	,	PUNCT
ajis01-10050	13	15	with	with	SCONJ
ajis01-10050	13	16	increased	increase	VERB
ajis01-10050	13	17	acceptance	acceptance	NOUN
ajis01-10050	13	18	and	and	CCONJ
ajis01-10050	13	19	awareness	awareness	NOUN
ajis01-10050	13	20	among	among	ADP
ajis01-10050	13	21	individuals.2	individuals.2	PROPN
ajis01-10050	13	22	providers	provider	NOUN
ajis01-10050	13	23	prioritize	prioritize	VERB
ajis01-10050	13	24	consumer	consumer	NOUN
ajis01-10050	13	25	satisfaction	satisfaction	NOUN
ajis01-10050	13	26	,	,	PUNCT
ajis01-10050	13	27	and	and	CCONJ
ajis01-10050	13	28	the	the	DET
ajis01-10050	13	29	adoption	adoption	NOUN
ajis01-10050	13	30	of	of	ADP
ajis01-10050	13	31	advanced	advanced	ADJ
ajis01-10050	13	32	financial	financial	ADJ
ajis01-10050	13	33	technology	technology	NOUN
ajis01-10050	13	34	has	have	VERB
ajis01-10050	13	35	short	short	ADJ
ajis01-10050	13	36	and	and	CCONJ
ajis01-10050	13	37	long	long	ADJ
ajis01-10050	13	38	-	-	PUNCT
ajis01-10050	13	39	term	term	NOUN
ajis01-10050	13	40	implications	implication	NOUN
ajis01-10050	13	41	based	base	VERB
ajis01-10050	13	42	on	on	ADP
ajis01-10050	13	43	country	country	NOUN
ajis01-10050	13	44	-	-	PUNCT
ajis01-10050	13	45	specific	specific	ADJ
ajis01-10050	13	46	circumstances	circumstance	NOUN
ajis01-10050	13	47	.	.	PUNCT
ajis01-10050	14	1	digital	digital	ADJ
ajis01-10050	14	2	tools	tool	NOUN
ajis01-10050	14	3	now	now	ADV
ajis01-10050	14	4	excel	excel	VERB
ajis01-10050	14	5	in	in	ADP
ajis01-10050	14	6	crisis	crisis	NOUN
ajis01-10050	14	7	management	management	NOUN
ajis01-10050	14	8	goals	goal	NOUN
ajis01-10050	14	9	.	.	PUNCT
ajis01-10050	15	1	scientists	scientist	NOUN
ajis01-10050	15	2	confirm	confirm	VERB
ajis01-10050	15	3	digital	digital	ADJ
ajis01-10050	15	4	financial	financial	ADJ
ajis01-10050	15	5	tools	tool	NOUN
ajis01-10050	15	6	positively	positively	ADV
ajis01-10050	15	7	impact	impact	VERB
ajis01-10050	15	8	individual	individual	ADJ
ajis01-10050	15	9	well	well	ADV
ajis01-10050	15	10	-	-	PUNCT
ajis01-10050	15	11	being	being	NOUN
ajis01-10050	15	12	.	.	PUNCT
ajis01-10050	16	1	consumers	consumer	NOUN
ajis01-10050	16	2	seek	seek	VERB
ajis01-10050	16	3	convenience	convenience	NOUN
ajis01-10050	16	4	and	and	CCONJ
ajis01-10050	16	5	quick	quick	ADJ
ajis01-10050	16	6	access	access	NOUN
ajis01-10050	16	7	to	to	ADP
ajis01-10050	16	8	financial	financial	ADJ
ajis01-10050	16	9	services	service	NOUN
ajis01-10050	16	10	,	,	PUNCT
ajis01-10050	16	11	leading	lead	VERB
ajis01-10050	16	12	to	to	ADP
ajis01-10050	16	13	the	the	DET
ajis01-10050	16	14	popularity	popularity	NOUN
ajis01-10050	16	15	of	of	ADP
ajis01-10050	16	16	digital	digital	ADJ
ajis01-10050	16	17	finance.3	finance.3	PROPN
ajis01-10050	16	18	despite	despite	SCONJ
ajis01-10050	16	19	concerns	concern	NOUN
ajis01-10050	16	20	,	,	PUNCT
ajis01-10050	16	21	transparency	transparency	NOUN
ajis01-10050	16	22	,	,	PUNCT
ajis01-10050	16	23	cost	cost	NOUN
ajis01-10050	16	24	-	-	PUNCT
ajis01-10050	16	25	effectiveness	effectiveness	NOUN
ajis01-10050	16	26	,	,	PUNCT
ajis01-10050	16	27	and	and	CCONJ
ajis01-10050	16	28	accessibility	accessibility	NOUN
ajis01-10050	16	29	empower	empower	NOUN
ajis01-10050	16	30	individuals	individual	NOUN
ajis01-10050	16	31	to	to	PART
ajis01-10050	16	32	embrace	embrace	VERB
ajis01-10050	16	33	it	it	PRON
ajis01-10050	16	34	.	.	PUNCT
ajis01-10050	17	1	this	this	DET
ajis01-10050	17	2	research	research	NOUN
ajis01-10050	17	3	focuses	focus	VERB
ajis01-10050	17	4	on	on	ADP
ajis01-10050	17	5	the	the	DET
ajis01-10050	17	6	riskbenefit	riskbenefit	NOUN
ajis01-10050	17	7	framework	framework	NOUN
ajis01-10050	17	8	of	of	ADP
ajis01-10050	17	9	adopting	adopt	VERB
ajis01-10050	17	10	digital	digital	ADJ
ajis01-10050	17	11	finance	finance	NOUN
ajis01-10050	17	12	.	.	PUNCT
ajis01-10050	18	1	furthermore	furthermore	ADV
ajis01-10050	18	2	,	,	PUNCT
ajis01-10050	18	3	fintech	fintech	NOUN
ajis01-10050	18	4	lending	lending	NOUN
ajis01-10050	18	5	in	in	ADP
ajis01-10050	18	6	indonesia	indonesia	PROPN
ajis01-10050	18	7	has	have	AUX
ajis01-10050	18	8	grown	grow	VERB
ajis01-10050	18	9	significantly	significantly	ADV
ajis01-10050	18	10	,	,	PUNCT
ajis01-10050	18	11	with	with	ADP
ajis01-10050	18	12	13.86	13.86	NUM
ajis01-10050	18	13	trillion	trillion	NUM
ajis01-10050	18	14	in	in	ADP
ajis01-10050	18	15	loan	loan	NOUN
ajis01-10050	18	16	funds	fund	NOUN
ajis01-10050	18	17	raised	raise	VERB
ajis01-10050	18	18	from	from	ADP
ajis01-10050	18	19	8.7	8.7	NUM
ajis01-10050	18	20	million	million	NUM
ajis01-10050	18	21	entities	entity	NOUN
ajis01-10050	18	22	in	in	ADP
ajis01-10050	18	23	may	may	PROPN
ajis01-10050	18	24	2020	2020	NUM
ajis01-10050	18	25	.	.	PUNCT
ajis01-10050	19	1	millennials	millennial	NOUN
ajis01-10050	19	2	,	,	PUNCT
ajis01-10050	19	3	who	who	PRON
ajis01-10050	19	4	dominate	dominate	VERB
ajis01-10050	19	5	fintech	fintech	NOUN
ajis01-10050	19	6	utilization	utilization	NOUN
ajis01-10050	19	7	,	,	PUNCT
ajis01-10050	19	8	represent	represent	VERB
ajis01-10050	19	9	65	65	NUM
ajis01-10050	19	10	%	%	NOUN
ajis01-10050	19	11	of	of	ADP
ajis01-10050	19	12	active	active	ADJ
ajis01-10050	19	13	loan	loan	NOUN
ajis01-10050	19	14	recipient	recipient	NOUN
ajis01-10050	19	15	accounts	account	NOUN
ajis01-10050	19	16	.	.	PUNCT
ajis01-10050	20	1	this	this	DET
ajis01-10050	20	2	trend	trend	NOUN
ajis01-10050	20	3	is	be	AUX
ajis01-10050	20	4	projected	project	VERB
ajis01-10050	20	5	to	to	PART
ajis01-10050	20	6	continue	continue	VERB
ajis01-10050	20	7	,	,	PUNCT
ajis01-10050	20	8	resulting	result	VERB
ajis01-10050	20	9	in	in	ADP
ajis01-10050	20	10	increased	increase	VERB
ajis01-10050	20	11	fintech	fintech	NOUN
ajis01-10050	20	12	utilization	utilization	NOUN
ajis01-10050	20	13	across	across	ADP
ajis01-10050	20	14	all	all	PRON
ajis01-10050	20	15	sectors.4	sectors.4	VERB
ajis01-10050	20	16	the	the	DET
ajis01-10050	20	17	rise	rise	NOUN
ajis01-10050	20	18	of	of	ADP
ajis01-10050	20	19	fintech	fintech	NOUN
ajis01-10050	20	20	lending	lending	NOUN
ajis01-10050	20	21	has	have	AUX
ajis01-10050	20	22	raised	raise	VERB
ajis01-10050	20	23	concerns	concern	NOUN
ajis01-10050	20	24	about	about	ADP
ajis01-10050	20	25	the	the	DET
ajis01-10050	20	26	financial	financial	ADJ
ajis01-10050	20	27	habits	habit	NOUN
ajis01-10050	20	28	of	of	ADP
ajis01-10050	20	29	young	young	ADJ
ajis01-10050	20	30	individuals	individual	NOUN
ajis01-10050	20	31	,	,	PUNCT
ajis01-10050	20	32	who	who	PRON
ajis01-10050	20	33	may	may	AUX
ajis01-10050	20	34	struggle	struggle	VERB
ajis01-10050	20	35	with	with	ADP
ajis01-10050	20	36	consumerism	consumerism	NOUN
ajis01-10050	20	37	and	and	CCONJ
ajis01-10050	20	38	lack	lack	NOUN
ajis01-10050	20	39	of	of	ADP
ajis01-10050	20	40	financial	financial	ADJ
ajis01-10050	20	41	management	management	NOUN
ajis01-10050	20	42	skills.5	skills.5	PROPN
ajis01-10050	20	43	lifestyle	lifestyle	NOUN
ajis01-10050	20	44	investment	investment	NOUN
ajis01-10050	20	45	compliance	compliance	NOUN
ajis01-10050	20	46	22	22	NUM
ajis01-10050	20	47	,	,	PUNCT
ajis01-10050	20	48	no	no	INTJ
ajis01-10050	20	49	.	.	NOUN
ajis01-10050	20	50	2	2	NUM
ajis01-10050	20	51	(	(	PUNCT
ajis01-10050	20	52	2021	2021	NUM
ajis01-10050	20	53	):	):	PUNCT
ajis01-10050	20	54	195–200	195–200	NUM
ajis01-10050	20	55	,	,	PUNCT
ajis01-10050	20	56	https://doi.org/10.1108/joic04-2021-0017	https://doi.org/10.1108/joic04-2021-0017	NOUN
ajis01-10050	20	57	.	.	X
ajis01-10050	21	1	2	2	NUM
ajis01-10050	21	2	flavio	flavio	PROPN
ajis01-10050	21	3	bazzana	bazzana	PROPN
ajis01-10050	21	4	,	,	PUNCT
ajis01-10050	21	5	“	"	PUNCT
ajis01-10050	21	6	the	the	DET
ajis01-10050	21	7	emergence	emergence	NOUN
ajis01-10050	21	8	of	of	ADP
ajis01-10050	21	9	disruptive	disruptive	ADJ
ajis01-10050	21	10	technological	technological	ADJ
ajis01-10050	21	11	innovation	innovation	NOUN
ajis01-10050	21	12	in	in	ADP
ajis01-10050	21	13	the	the	DET
ajis01-10050	21	14	financial	financial	ADJ
ajis01-10050	21	15	sector	sector	NOUN
ajis01-10050	21	16	 	 	SPACE
ajis01-10050	21	17	:	:	PUNCT
ajis01-10050	21	18	impact	impact	NOUN
ajis01-10050	21	19	on	on	ADP
ajis01-10050	21	20	bank	bank	NOUN
ajis01-10050	21	21	business	business	NOUN
ajis01-10050	21	22	models	model	NOUN
ajis01-10050	21	23	and	and	CCONJ
ajis01-10050	21	24	the	the	DET
ajis01-10050	21	25	regulatory	regulatory	ADJ
ajis01-10050	21	26	framework	framework	NOUN
ajis01-10050	21	27	.	.	PUNCT
ajis01-10050	22	1	,	,	PUNCT
ajis01-10050	22	2	”	"	PUNCT
ajis01-10050	22	3	no	no	NOUN
ajis01-10050	22	4	.	.	NOUN
ajis01-10050	22	5	2	2	NUM
ajis01-10050	22	6	(	(	PUNCT
ajis01-10050	22	7	2017	2017	NUM
ajis01-10050	22	8	):	):	PUNCT
ajis01-10050	22	9	2	2	NUM
ajis01-10050	22	10	,	,	PUNCT
ajis01-10050	22	11	www.unitn.it/alfresco/download/workspace/spacesstore/dc1e1ad0-aec9-4ce7973b-1c90e3b21b61/proposal	www.unitn.it/alfresco/download/workspace/spacesstore/dc1e1ad0-aec9-4ce7973b-1c90e3b21b61/proposal	PROPN
ajis01-10050	22	12	fintech.pdf	fintech.pdf	PROPN
ajis01-10050	22	13	.	.	PROPN
ajis01-10050	22	14	3	3	NUM
ajis01-10050	22	15	haitham	haitham	PROPN
ajis01-10050	22	16	mohamed	mohamed	PROPN
ajis01-10050	22	17	elsaid	elsaid	PROPN
ajis01-10050	22	18	,	,	PUNCT
ajis01-10050	22	19	“	"	PUNCT
ajis01-10050	22	20	a	a	DET
ajis01-10050	22	21	review	review	NOUN
ajis01-10050	22	22	of	of	ADP
ajis01-10050	22	23	literature	literature	NOUN
ajis01-10050	22	24	directions	direction	NOUN
ajis01-10050	22	25	regarding	regard	VERB
ajis01-10050	22	26	the	the	DET
ajis01-10050	22	27	impact	impact	NOUN
ajis01-10050	22	28	of	of	ADP
ajis01-10050	22	29	fintech	fintech	NOUN
ajis01-10050	22	30	firms	firm	NOUN
ajis01-10050	22	31	on	on	ADP
ajis01-10050	22	32	the	the	DET
ajis01-10050	22	33	banking	banking	NOUN
ajis01-10050	22	34	industry	industry	NOUN
ajis01-10050	22	35	,	,	PUNCT
ajis01-10050	22	36	”	"	PUNCT
ajis01-10050	22	37	qualitative	qualitative	ADJ
ajis01-10050	22	38	research	research	NOUN
ajis01-10050	22	39	in	in	ADP
ajis01-10050	22	40	financial	financial	ADJ
ajis01-10050	22	41	markets	market	NOUN
ajis01-10050	22	42	,	,	PUNCT
ajis01-10050	22	43	no	no	INTJ
ajis01-10050	22	44	.	.	NOUN
ajis01-10050	22	45	2018	2018	NUM
ajis01-10050	22	46	(	(	PUNCT
ajis01-10050	22	47	2021	2021	NUM
ajis01-10050	22	48	)	)	PUNCT
ajis01-10050	22	49	,	,	PUNCT
ajis01-10050	22	50	https://doi.org/10.1108/qrfm-10-20200197	https://doi.org/10.1108/qrfm-10-20200197	PROPN
ajis01-10050	22	51	.	.	PUNCT
ajis01-10050	23	1	4	4	NUM
ajis01-10050	23	2	rizky	rizky	ADJ
ajis01-10050	23	3	yudaruddin	yudaruddin	NOUN
ajis01-10050	23	4	,	,	PUNCT
ajis01-10050	23	5	“	"	PUNCT
ajis01-10050	23	6	financial	financial	ADJ
ajis01-10050	23	7	technology	technology	NOUN
ajis01-10050	23	8	and	and	CCONJ
ajis01-10050	23	9	performance	performance	NOUN
ajis01-10050	23	10	in	in	ADP
ajis01-10050	23	11	islamic	islamic	ADJ
ajis01-10050	23	12	and	and	CCONJ
ajis01-10050	23	13	conventional	conventional	ADJ
ajis01-10050	23	14	banks	bank	NOUN
ajis01-10050	23	15	,	,	PUNCT
ajis01-10050	23	16	”	"	PUNCT
ajis01-10050	23	17	journal	journal	NOUN
ajis01-10050	23	18	of	of	ADP
ajis01-10050	23	19	islamic	islamic	PROPN
ajis01-10050	23	20	accounting	accounting	PROPN
ajis01-10050	23	21	and	and	CCONJ
ajis01-10050	23	22	business	business	NOUN
ajis01-10050	23	23	research	research	NOUN
ajis01-10050	23	24	14	14	NUM
ajis01-10050	23	25	,	,	PUNCT
ajis01-10050	23	26	no	no	INTJ
ajis01-10050	23	27	.	.	NOUN
ajis01-10050	23	28	1	1	NUM
ajis01-10050	23	29	(	(	PUNCT
ajis01-10050	23	30	2023	2023	NUM
ajis01-10050	23	31	):	):	PUNCT
ajis01-10050	23	32	100–116	100–116	NUM
ajis01-10050	23	33	,	,	PUNCT
ajis01-10050	23	34	https://doi.org/10.1108/jiabr-03-2022-0070	https://doi.org/10.1108/jiabr-03-2022-0070	NOUN
ajis01-10050	23	35	.	.	PUNCT
ajis01-10050	24	1	5	5	NUM
ajis01-10050	24	2	gulizhaer	gulizhaer	NOUN
ajis01-10050	24	3	aisaiti	aisaiti	INTJ
ajis01-10050	24	4	et	et	PROPN
ajis01-10050	24	5	al	al	PROPN
ajis01-10050	24	6	.	.	PROPN
ajis01-10050	24	7	,	,	PUNCT
ajis01-10050	24	8	“	"	PUNCT
ajis01-10050	24	9	an	an	DET
ajis01-10050	24	10	empirical	empirical	ADJ
ajis01-10050	24	11	analysis	analysis	NOUN
ajis01-10050	24	12	of	of	ADP
ajis01-10050	24	13	rural	rural	ADJ
ajis01-10050	24	14	farmers	farmer	NOUN
ajis01-10050	24	15	’	’	PART
ajis01-10050	24	16	financing	financing	NOUN
ajis01-10050	24	17	intention	intention	NOUN
ajis01-10050	24	18	of	of	ADP
ajis01-10050	24	19	inclusive	inclusive	ADJ
ajis01-10050	24	20	finance	finance	NOUN
ajis01-10050	24	21	in	in	ADP
ajis01-10050	24	22	china	china	PROPN
ajis01-10050	24	23	:	:	PUNCT
ajis01-10050	24	24	the	the	DET
ajis01-10050	24	25	moderating	moderate	VERB
ajis01-10050	24	26	role	role	NOUN
ajis01-10050	24	27	of	of	ADP
ajis01-10050	24	28	digital	digital	ADJ
ajis01-10050	24	29	finance	finance	NOUN
ajis01-10050	24	30	and	and	CCONJ
ajis01-10050	24	31	social	social	ADJ
ajis01-10050	24	32	enterprise	enterprise	NOUN
ajis01-10050	24	33	embeddedness	embeddedness	NOUN
ajis01-10050	24	34	,	,	PUNCT
ajis01-10050	24	35	”	"	PUNCT
ajis01-10050	24	36	industrial	industrial	ADJ
ajis01-10050	24	37	management	management	NOUN
ajis01-10050	24	38	and	and	CCONJ
ajis01-10050	24	39	data	datum	NOUN
ajis01-10050	24	40	systems	system	NOUN
ajis01-10050	24	41	119	119	NUM
ajis01-10050	24	42	,	,	PUNCT
ajis01-10050	24	43	no	no	INTJ
ajis01-10050	24	44	.	.	NOUN
ajis01-10050	24	45	7	7	NUM
ajis01-10050	24	46	(	(	PUNCT
ajis01-10050	24	47	2019	2019	NUM
ajis01-10050	24	48	):	):	PUNCT
ajis01-10050	24	49	1535–63	1535–63	NUM
ajis01-10050	24	50	,	,	PUNCT
ajis01-10050	24	51	https://doi.org/10.1108/imds-08-2018-0374	https://doi.org/10.1108/imds-08-2018-0374	PROPN
ajis01-10050	24	52	.	.	PUNCT
ajis01-10050	25	1	m.	m.	NOUN
ajis01-10050	25	2	kurnia	kurnia	PROPN
ajis01-10050	25	3	rahman	rahman	PROPN
ajis01-10050	25	4	abadi	abadi	PROPN
ajis01-10050	25	5	:	:	PUNCT
ajis01-10050	25	6	indonesian	indonesian	ADJ
ajis01-10050	25	7	millennial	millennial	ADJ
ajis01-10050	25	8	’s	’s	PART
ajis01-10050	25	9	financial	financial	ADJ
ajis01-10050	25	10	behaviour	behaviour	NOUN
ajis01-10050	25	11	|	|	ADV
ajis01-10050	25	12	102	102	NUM
ajis01-10050	25	13	demands	demand	NOUN
ajis01-10050	25	14	,	,	PUNCT
ajis01-10050	25	15	fomo	fomo	NOUN
ajis01-10050	25	16	,	,	PUNCT
ajis01-10050	25	17	and	and	CCONJ
ajis01-10050	25	18	easy	easy	ADJ
ajis01-10050	25	19	access	access	NOUN
ajis01-10050	25	20	to	to	ADP
ajis01-10050	25	21	internet	internet	NOUN
ajis01-10050	25	22	services	service	NOUN
ajis01-10050	25	23	have	have	AUX
ajis01-10050	25	24	led	lead	VERB
ajis01-10050	25	25	to	to	ADP
ajis01-10050	25	26	extravagant	extravagant	ADJ
ajis01-10050	25	27	spending	spending	NOUN
ajis01-10050	25	28	and	and	CCONJ
ajis01-10050	25	29	accumulating	accumulate	VERB
ajis01-10050	25	30	debts	debt	NOUN
ajis01-10050	25	31	,	,	PUNCT
ajis01-10050	25	32	putting	put	VERB
ajis01-10050	25	33	their	their	PRON
ajis01-10050	25	34	financial	financial	ADJ
ajis01-10050	25	35	well	well	NOUN
ajis01-10050	25	36	-	-	PUNCT
ajis01-10050	25	37	being	being	NOUN
ajis01-10050	25	38	at	at	ADP
ajis01-10050	25	39	risk	risk	NOUN
ajis01-10050	25	40	.	.	PUNCT
ajis01-10050	26	1	understanding	understand	VERB
ajis01-10050	26	2	the	the	DET
ajis01-10050	26	3	financial	financial	ADJ
ajis01-10050	26	4	behaviour	behaviour	NOUN
ajis01-10050	26	5	of	of	ADP
ajis01-10050	26	6	millennials	millennial	NOUN
ajis01-10050	26	7	and	and	CCONJ
ajis01-10050	26	8	their	their	PRON
ajis01-10050	26	9	attitudes	attitude	NOUN
ajis01-10050	26	10	towards	towards	ADP
ajis01-10050	26	11	financial	financial	ADJ
ajis01-10050	26	12	products	product	NOUN
ajis01-10050	26	13	is	be	AUX
ajis01-10050	26	14	crucial.6	crucial.6	PROPN
ajis01-10050	26	15	this	this	DET
ajis01-10050	26	16	study	study	NOUN
ajis01-10050	26	17	examines	examine	VERB
ajis01-10050	26	18	how	how	SCONJ
ajis01-10050	26	19	millennials	millennial	NOUN
ajis01-10050	26	20	in	in	ADP
ajis01-10050	26	21	indonesia	indonesia	PROPN
ajis01-10050	26	22	are	be	AUX
ajis01-10050	26	23	adopting	adopt	VERB
ajis01-10050	26	24	fintech	fintech	NOUN
ajis01-10050	26	25	lending	lending	NOUN
ajis01-10050	26	26	,	,	PUNCT
ajis01-10050	26	27	using	use	VERB
ajis01-10050	26	28	the	the	DET
ajis01-10050	26	29	theory	theory	NOUN
ajis01-10050	26	30	of	of	ADP
ajis01-10050	26	31	planned	plan	VERB
ajis01-10050	26	32	behaviour	behaviour	NOUN
ajis01-10050	26	33	to	to	PART
ajis01-10050	26	34	analyze	analyze	VERB
ajis01-10050	26	35	their	their	PRON
ajis01-10050	26	36	attitudes	attitude	NOUN
ajis01-10050	26	37	,	,	PUNCT
ajis01-10050	26	38	subjective	subjective	ADJ
ajis01-10050	26	39	norms	norm	NOUN
ajis01-10050	26	40	,	,	PUNCT
ajis01-10050	26	41	and	and	CCONJ
ajis01-10050	26	42	perceived	perceive	VERB
ajis01-10050	26	43	behaviour	behaviour	NOUN
ajis01-10050	26	44	.	.	PUNCT
ajis01-10050	27	1	various	various	ADJ
ajis01-10050	27	2	theories	theory	NOUN
ajis01-10050	27	3	have	have	AUX
ajis01-10050	27	4	been	be	AUX
ajis01-10050	27	5	used	use	VERB
ajis01-10050	27	6	to	to	PART
ajis01-10050	27	7	study	study	VERB
ajis01-10050	27	8	customer	customer	NOUN
ajis01-10050	27	9	decisionmaking	decisionmake	VERB
ajis01-10050	27	10	in	in	ADP
ajis01-10050	27	11	product	product	NOUN
ajis01-10050	27	12	usage	usage	NOUN
ajis01-10050	27	13	.	.	PUNCT
ajis01-10050	28	1	the	the	DET
ajis01-10050	28	2	theory	theory	NOUN
ajis01-10050	28	3	of	of	ADP
ajis01-10050	28	4	planned	plan	VERB
ajis01-10050	28	5	behaviour	behaviour	NOUN
ajis01-10050	28	6	(	(	PUNCT
ajis01-10050	28	7	tpb	tpb	NOUN
ajis01-10050	28	8	)	)	PUNCT
ajis01-10050	28	9	is	be	AUX
ajis01-10050	28	10	the	the	DET
ajis01-10050	28	11	main	main	ADJ
ajis01-10050	28	12	theory	theory	NOUN
ajis01-10050	28	13	used	use	VERB
ajis01-10050	28	14	in	in	ADP
ajis01-10050	28	15	consumption	consumption	NOUN
ajis01-10050	28	16	contexts	contexts	NOUN
ajis01-10050	28	17	,	,	PUNCT
ajis01-10050	28	18	suggesting	suggest	VERB
ajis01-10050	28	19	that	that	DET
ajis01-10050	28	20	attitude	attitude	NOUN
ajis01-10050	28	21	,	,	PUNCT
ajis01-10050	28	22	subjective	subjective	ADJ
ajis01-10050	28	23	norms	norm	NOUN
ajis01-10050	28	24	,	,	PUNCT
ajis01-10050	28	25	and	and	CCONJ
ajis01-10050	28	26	perceived	perceive	VERB
ajis01-10050	28	27	behavioural	behavioural	ADJ
ajis01-10050	28	28	control	control	NOUN
ajis01-10050	28	29	influence	influence	NOUN
ajis01-10050	28	30	behavioural	behavioural	ADJ
ajis01-10050	28	31	intention	intention	NOUN
ajis01-10050	28	32	and	and	CCONJ
ajis01-10050	28	33	drive	drive	VERB
ajis01-10050	28	34	customer	customer	NOUN
ajis01-10050	28	35	behaviour	behaviour	NOUN
ajis01-10050	28	36	.	.	PUNCT
ajis01-10050	29	1	tpb	tpb	NOUN
ajis01-10050	29	2	has	have	AUX
ajis01-10050	29	3	been	be	AUX
ajis01-10050	29	4	used	use	VERB
ajis01-10050	29	5	to	to	PART
ajis01-10050	29	6	predict	predict	VERB
ajis01-10050	29	7	consumption	consumption	NOUN
ajis01-10050	29	8	behaviour	behaviour	NOUN
ajis01-10050	29	9	in	in	ADP
ajis01-10050	29	10	different	different	ADJ
ajis01-10050	29	11	areas	area	NOUN
ajis01-10050	29	12	,	,	PUNCT
ajis01-10050	29	13	such	such	ADJ
ajis01-10050	29	14	as	as	ADP
ajis01-10050	29	15	shared	shared	ADJ
ajis01-10050	29	16	accommodation	accommodation	NOUN
ajis01-10050	29	17	,	,	PUNCT
ajis01-10050	29	18	transportation	transportation	NOUN
ajis01-10050	29	19	,	,	PUNCT
ajis01-10050	29	20	and	and	CCONJ
ajis01-10050	29	21	clothing	clothing	NOUN
ajis01-10050	29	22	.	.	PUNCT
ajis01-10050	30	1	it	it	PRON
ajis01-10050	30	2	is	be	AUX
ajis01-10050	30	3	the	the	DET
ajis01-10050	30	4	only	only	ADJ
ajis01-10050	30	5	concept	concept	NOUN
ajis01-10050	30	6	in	in	ADP
ajis01-10050	30	7	social	social	ADJ
ajis01-10050	30	8	psychology	psychology	NOUN
ajis01-10050	30	9	that	that	PRON
ajis01-10050	30	10	effectively	effectively	ADV
ajis01-10050	30	11	identifies	identify	VERB
ajis01-10050	30	12	the	the	DET
ajis01-10050	30	13	factors	factor	NOUN
ajis01-10050	30	14	customers	customer	NOUN
ajis01-10050	30	15	consider	consider	VERB
ajis01-10050	30	16	when	when	SCONJ
ajis01-10050	30	17	making	make	VERB
ajis01-10050	30	18	planned	plan	VERB
ajis01-10050	30	19	purchases	purchase	NOUN
ajis01-10050	30	20	.	.	PUNCT
ajis01-10050	31	1	7	7	NUM
ajis01-10050	31	2	tpb	tpb	NOUN
ajis01-10050	31	3	has	have	AUX
ajis01-10050	31	4	been	be	AUX
ajis01-10050	31	5	adapted	adapt	VERB
ajis01-10050	31	6	and	and	CCONJ
ajis01-10050	31	7	expanded	expand	VERB
ajis01-10050	31	8	upon	upon	SCONJ
ajis01-10050	31	9	in	in	ADP
ajis01-10050	31	10	various	various	ADJ
ajis01-10050	31	11	studies	study	NOUN
ajis01-10050	31	12	,	,	PUNCT
ajis01-10050	31	13	integrating	integrate	VERB
ajis01-10050	31	14	with	with	ADP
ajis01-10050	31	15	prospect	prospect	NOUN
ajis01-10050	31	16	theory	theory	NOUN
ajis01-10050	31	17	or	or	CCONJ
ajis01-10050	31	18	incorporating	incorporate	VERB
ajis01-10050	31	19	different	different	ADJ
ajis01-10050	31	20	mediators	mediator	NOUN
ajis01-10050	31	21	to	to	PART
ajis01-10050	31	22	enhance	enhance	VERB
ajis01-10050	31	23	understanding.8	understanding.8	PROPN
ajis01-10050	31	24	however	however	ADV
ajis01-10050	31	25	,	,	PUNCT
ajis01-10050	31	26	these	these	DET
ajis01-10050	31	27	adapted	adapt	VERB
ajis01-10050	31	28	models	model	NOUN
ajis01-10050	31	29	often	often	ADV
ajis01-10050	31	30	yield	yield	VERB
ajis01-10050	31	31	conflicting	conflicting	ADJ
ajis01-10050	31	32	findings	finding	NOUN
ajis01-10050	31	33	,	,	PUNCT
ajis01-10050	31	34	highlighting	highlight	VERB
ajis01-10050	31	35	the	the	DET
ajis01-10050	31	36	need	need	NOUN
ajis01-10050	31	37	for	for	ADP
ajis01-10050	31	38	further	further	ADJ
ajis01-10050	31	39	research	research	NOUN
ajis01-10050	31	40	to	to	PART
ajis01-10050	31	41	better	well	ADV
ajis01-10050	31	42	understand	understand	VERB
ajis01-10050	31	43	consumer	consumer	NOUN
ajis01-10050	31	44	behaviour	behaviour	NOUN
ajis01-10050	31	45	in	in	ADP
ajis01-10050	31	46	specific	specific	ADJ
ajis01-10050	31	47	contexts.9	contexts.9	NOUN
ajis01-10050	31	48	despite	despite	SCONJ
ajis01-10050	31	49	this	this	PRON
ajis01-10050	31	50	,	,	PUNCT
ajis01-10050	31	51	no	no	DET
ajis01-10050	31	52	universally	universally	ADV
ajis01-10050	31	53	accepted	accept	VERB
ajis01-10050	31	54	tpb	tpb	NOUN
ajis01-10050	31	55	model	model	NOUN
ajis01-10050	31	56	has	have	AUX
ajis01-10050	31	57	been	be	AUX
ajis01-10050	31	58	developed	develop	VERB
ajis01-10050	31	59	to	to	PART
ajis01-10050	31	60	comprehensively	comprehensively	ADV
ajis01-10050	31	61	understand	understand	VERB
ajis01-10050	31	62	consumer	consumer	NOUN
ajis01-10050	31	63	decision	decision	NOUN
ajis01-10050	31	64	-	-	PUNCT
ajis01-10050	31	65	making	making	NOUN
ajis01-10050	31	66	in	in	ADP
ajis01-10050	31	67	6	6	NUM
ajis01-10050	31	68	yue	yue	PROPN
ajis01-10050	31	69	xi	xi	PROPN
ajis01-10050	31	70	et	et	PROPN
ajis01-10050	31	71	al	al	PROPN
ajis01-10050	31	72	.	.	PROPN
ajis01-10050	31	73	,	,	PUNCT
ajis01-10050	31	74	“	"	PUNCT
ajis01-10050	31	75	the	the	DET
ajis01-10050	31	76	effects	effect	NOUN
ajis01-10050	31	77	of	of	ADP
ajis01-10050	31	78	fear	fear	NOUN
ajis01-10050	31	79	of	of	ADP
ajis01-10050	31	80	missing	miss	VERB
ajis01-10050	31	81	out	out	ADP
ajis01-10050	31	82	on	on	ADP
ajis01-10050	31	83	social	social	ADJ
ajis01-10050	31	84	media	medium	NOUN
ajis01-10050	31	85	posting	post	VERB
ajis01-10050	31	86	preferences	preference	NOUN
ajis01-10050	31	87	,	,	PUNCT
ajis01-10050	31	88	”	"	PUNCT
ajis01-10050	31	89	european	european	ADJ
ajis01-10050	31	90	journal	journal	NOUN
ajis01-10050	31	91	of	of	ADP
ajis01-10050	31	92	marketing	marketing	NOUN
ajis01-10050	31	93	56	56	NUM
ajis01-10050	31	94	,	,	PUNCT
ajis01-10050	31	95	no	no	INTJ
ajis01-10050	31	96	.	.	NOUN
ajis01-10050	31	97	12	12	NUM
ajis01-10050	31	98	(	(	PUNCT
ajis01-10050	31	99	2022	2022	NUM
ajis01-10050	31	100	):	):	PUNCT
ajis01-10050	31	101	3453–84	3453–84	NOUN
ajis01-10050	31	102	,	,	PUNCT
ajis01-10050	31	103	https://doi.org/10.1108/ejm-10-2021-0814	https://doi.org/10.1108/ejm-10-2021-0814	PROPN
ajis01-10050	31	104	.	.	PROPN
ajis01-10050	31	105	7	7	NUM
ajis01-10050	32	1	yusuf	yusuf	PROPN
ajis01-10050	32	2	abdulkarim	abdulkarim	PROPN
ajis01-10050	32	3	daiyabu	daiyabu	PROPN
ajis01-10050	32	4	,	,	PUNCT
ajis01-10050	32	5	nor	nor	CCONJ
ajis01-10050	32	6	aziah	aziah	PROPN
ajis01-10050	32	7	abd	abd	PROPN
ajis01-10050	32	8	manaf	manaf	PROPN
ajis01-10050	32	9	,	,	PUNCT
ajis01-10050	32	10	and	and	CCONJ
ajis01-10050	32	11	hafizah	hafizah	PROPN
ajis01-10050	32	12	mohamad	mohamad	PROPN
ajis01-10050	32	13	hsbollah	hsbollah	PROPN
ajis01-10050	32	14	,	,	PUNCT
ajis01-10050	32	15	“	"	PUNCT
ajis01-10050	32	16	extending	extend	VERB
ajis01-10050	32	17	the	the	DET
ajis01-10050	32	18	theory	theory	NOUN
ajis01-10050	32	19	of	of	ADP
ajis01-10050	32	20	planned	plan	VERB
ajis01-10050	32	21	behaviour	behaviour	NOUN
ajis01-10050	32	22	with	with	ADP
ajis01-10050	32	23	application	application	NOUN
ajis01-10050	32	24	to	to	ADP
ajis01-10050	32	25	renewable	renewable	ADJ
ajis01-10050	32	26	energy	energy	NOUN
ajis01-10050	32	27	investment	investment	NOUN
ajis01-10050	32	28	:	:	PUNCT
ajis01-10050	32	29	the	the	DET
ajis01-10050	32	30	moderating	moderate	VERB
ajis01-10050	32	31	effect	effect	NOUN
ajis01-10050	32	32	of	of	ADP
ajis01-10050	32	33	tax	tax	NOUN
ajis01-10050	32	34	incentives	incentive	NOUN
ajis01-10050	32	35	,	,	PUNCT
ajis01-10050	32	36	”	"	PUNCT
ajis01-10050	32	37	international	international	ADJ
ajis01-10050	32	38	journal	journal	NOUN
ajis01-10050	32	39	of	of	ADP
ajis01-10050	32	40	energy	energy	NOUN
ajis01-10050	32	41	sector	sector	NOUN
ajis01-10050	32	42	management	management	NOUN
ajis01-10050	32	43	17	17	NUM
ajis01-10050	32	44	,	,	PUNCT
ajis01-10050	32	45	no	no	INTJ
ajis01-10050	32	46	.	.	NOUN
ajis01-10050	32	47	2	2	NUM
ajis01-10050	32	48	(	(	PUNCT
ajis01-10050	32	49	2023	2023	NUM
ajis01-10050	32	50	):	):	PUNCT
ajis01-10050	32	51	333–51	333–51	NUM
ajis01-10050	32	52	,	,	PUNCT
ajis01-10050	32	53	https://doi.org/10.1108/ijesm-11-2021-0011	https://doi.org/10.1108/ijesm-11-2021-0011	NUM
ajis01-10050	32	54	.	.	NOUN
ajis01-10050	32	55	8	8	NUM
ajis01-10050	32	56	last	last	ADJ
ajis01-10050	32	57	mazambani	mazambani	NOUN
ajis01-10050	32	58	and	and	CCONJ
ajis01-10050	32	59	emmanuel	emmanuel	PROPN
ajis01-10050	32	60	mutambara	mutambara	PROPN
ajis01-10050	32	61	,	,	PUNCT
ajis01-10050	32	62	“	"	PUNCT
ajis01-10050	32	63	predicting	predict	VERB
ajis01-10050	32	64	fintech	fintech	NOUN
ajis01-10050	32	65	innovation	innovation	NOUN
ajis01-10050	32	66	adoption	adoption	NOUN
ajis01-10050	32	67	in	in	ADP
ajis01-10050	32	68	south	south	PROPN
ajis01-10050	32	69	africa	africa	PROPN
ajis01-10050	32	70	:	:	PUNCT
ajis01-10050	32	71	the	the	DET
ajis01-10050	32	72	case	case	NOUN
ajis01-10050	32	73	of	of	ADP
ajis01-10050	32	74	cryptocurrency	cryptocurrency	NOUN
ajis01-10050	32	75	,	,	PUNCT
ajis01-10050	32	76	”	"	PUNCT
ajis01-10050	32	77	african	african	ADJ
ajis01-10050	32	78	journal	journal	NOUN
ajis01-10050	32	79	of	of	ADP
ajis01-10050	32	80	economic	economic	ADJ
ajis01-10050	32	81	and	and	CCONJ
ajis01-10050	32	82	management	management	NOUN
ajis01-10050	32	83	studies	study	NOUN
ajis01-10050	32	84	11	11	NUM
ajis01-10050	32	85	,	,	PUNCT
ajis01-10050	32	86	no	no	INTJ
ajis01-10050	32	87	.	.	NOUN
ajis01-10050	32	88	1	1	NUM
ajis01-10050	32	89	(	(	PUNCT
ajis01-10050	32	90	2019	2019	NUM
ajis01-10050	32	91	):	):	PUNCT
ajis01-10050	32	92	30–50	30–50	NUM
ajis01-10050	32	93	,	,	PUNCT
ajis01-10050	32	94	https://doi.org/10.1108/ajems-04-2019-0152	https://doi.org/10.1108/ajems-04-2019-0152	PROPN
ajis01-10050	32	95	.	.	PROPN
ajis01-10050	32	96	9	9	NUM
ajis01-10050	32	97	m.	m.	NOUN
ajis01-10050	32	98	kurnia	kurnia	PROPN
ajis01-10050	32	99	rahman	rahman	PROPN
ajis01-10050	32	100	abadi	abadi	PROPN
ajis01-10050	32	101	and	and	CCONJ
ajis01-10050	32	102	hairul	hairul	PROPN
ajis01-10050	32	103	azlan	azlan	PROPN
ajis01-10050	32	104	bin	bin	PROPN
ajis01-10050	32	105	annuar	annuar	NOUN
ajis01-10050	32	106	,	,	PUNCT
ajis01-10050	32	107	“	"	PUNCT
ajis01-10050	32	108	financial	financial	ADJ
ajis01-10050	32	109	behaviour	behaviour	NOUN
ajis01-10050	32	110	,	,	PUNCT
ajis01-10050	32	111	financial	financial	ADJ
ajis01-10050	32	112	self	self	NOUN
ajis01-10050	32	113	efficacy	efficacy	NOUN
ajis01-10050	32	114	and	and	CCONJ
ajis01-10050	32	115	intention	intention	NOUN
ajis01-10050	32	116	to	to	PART
ajis01-10050	32	117	invest	invest	VERB
ajis01-10050	32	118	in	in	ADP
ajis01-10050	32	119	cryptocurrency	cryptocurrency	NOUN
ajis01-10050	32	120	,	,	PUNCT
ajis01-10050	32	121	”	"	PUNCT
ajis01-10050	32	122	al	al	PROPN
ajis01-10050	32	123	tijarah	tijarah	PROPN
ajis01-10050	32	124	9	9	NUM
ajis01-10050	32	125	,	,	PUNCT
ajis01-10050	32	126	no	no	INTJ
ajis01-10050	32	127	.	.	NOUN
ajis01-10050	32	128	2	2	NUM
ajis01-10050	32	129	(	(	PUNCT
ajis01-10050	32	130	2023	2023	NUM
ajis01-10050	32	131	):	):	PUNCT
ajis01-10050	32	132	120–35	120–35	NUM
ajis01-10050	32	133	,	,	PUNCT
ajis01-10050	32	134	https://doi.org/10.21111/at.v9i2.11186	https://doi.org/10.21111/at.v9i2.11186	NOUN
ajis01-10050	32	135	.	.	PUNCT
ajis01-10050	32	136	103	103	NUM
ajis01-10050	33	1	|	|	ADV
ajis01-10050	33	2	ajis	ajis	ADV
ajis01-10050	33	3	:	:	PUNCT
ajis01-10050	33	4	academic	academic	ADJ
ajis01-10050	33	5	journal	journal	NOUN
ajis01-10050	33	6	of	of	ADP
ajis01-10050	33	7	islamic	islamic	PROPN
ajis01-10050	33	8	studies	study	NOUN
ajis01-10050	33	9	,	,	PUNCT
ajis01-10050	33	10	vol	vol	NOUN
ajis01-10050	33	11	.	.	PROPN
ajis01-10050	34	1	9	9	NUM
ajis01-10050	34	2	,	,	PUNCT
ajis01-10050	34	3	no	no	INTJ
ajis01-10050	34	4	.	.	NOUN
ajis01-10050	34	5	1	1	NUM
ajis01-10050	34	6	,	,	PUNCT
ajis01-10050	34	7	2024	2024	NUM
ajis01-10050	34	8	consumption	consumption	NOUN
ajis01-10050	34	9	.	.	PUNCT
ajis01-10050	35	1	therefore	therefore	ADV
ajis01-10050	35	2	,	,	PUNCT
ajis01-10050	35	3	it	it	PRON
ajis01-10050	35	4	is	be	AUX
ajis01-10050	35	5	important	important	ADJ
ajis01-10050	35	6	to	to	PART
ajis01-10050	35	7	develop	develop	VERB
ajis01-10050	35	8	a	a	DET
ajis01-10050	35	9	standardized	standardized	ADJ
ajis01-10050	35	10	tpb	tpb	NOUN
ajis01-10050	35	11	model	model	NOUN
ajis01-10050	35	12	that	that	PRON
ajis01-10050	35	13	promotes	promote	VERB
ajis01-10050	35	14	a	a	DET
ajis01-10050	35	15	solid	solid	ADJ
ajis01-10050	35	16	understanding	understanding	NOUN
ajis01-10050	35	17	of	of	ADP
ajis01-10050	35	18	the	the	DET
ajis01-10050	35	19	factors	factor	NOUN
ajis01-10050	35	20	driving	drive	VERB
ajis01-10050	35	21	customer	customer	NOUN
ajis01-10050	35	22	consumption	consumption	NOUN
ajis01-10050	35	23	.	.	PUNCT
ajis01-10050	36	1	razzaque	razzaque	NOUN
ajis01-10050	36	2	and	and	CCONJ
ajis01-10050	36	3	colleagues	colleague	NOUN
ajis01-10050	36	4	(	(	PUNCT
ajis01-10050	36	5	2020	2020	NUM
ajis01-10050	36	6	)	)	PUNCT
ajis01-10050	36	7	found	find	VERB
ajis01-10050	36	8	that	that	SCONJ
ajis01-10050	36	9	attitudes	attitude	NOUN
ajis01-10050	36	10	and	and	CCONJ
ajis01-10050	36	11	perceived	perceive	VERB
ajis01-10050	36	12	subjective	subjective	ADJ
ajis01-10050	36	13	norms	norm	NOUN
ajis01-10050	36	14	are	be	AUX
ajis01-10050	36	15	important	important	ADJ
ajis01-10050	36	16	factors	factor	NOUN
ajis01-10050	36	17	in	in	ADP
ajis01-10050	36	18	fintech	fintech	NOUN
ajis01-10050	36	19	adoption	adoption	NOUN
ajis01-10050	36	20	,	,	PUNCT
ajis01-10050	36	21	identifying	identify	VERB
ajis01-10050	36	22	three	three	NUM
ajis01-10050	36	23	benefits	benefit	NOUN
ajis01-10050	36	24	and	and	CCONJ
ajis01-10050	36	25	four	four	NUM
ajis01-10050	36	26	risks	risk	NOUN
ajis01-10050	36	27	.	.	PUNCT
ajis01-10050	37	1	al	al	PROPN
ajis01-10050	37	2	-	-	PUNCT
ajis01-10050	37	3	nawayseh	nawayseh	PROPN
ajis01-10050	37	4	(	(	PUNCT
ajis01-10050	37	5	2020	2020	NUM
ajis01-10050	37	6	)	)	PUNCT
ajis01-10050	37	7	emphasized	emphasize	VERB
ajis01-10050	37	8	social	social	ADJ
ajis01-10050	37	9	influence	influence	NOUN
ajis01-10050	37	10	,	,	PUNCT
ajis01-10050	37	11	trust	trust	NOUN
ajis01-10050	37	12	,	,	PUNCT
ajis01-10050	37	13	risk	risk	NOUN
ajis01-10050	37	14	,	,	PUNCT
ajis01-10050	37	15	and	and	CCONJ
ajis01-10050	37	16	advantages	advantage	NOUN
ajis01-10050	37	17	as	as	ADP
ajis01-10050	37	18	predictors	predictor	NOUN
ajis01-10050	37	19	of	of	ADP
ajis01-10050	37	20	fintech	fintech	NOUN
ajis01-10050	37	21	acceptance	acceptance	NOUN
ajis01-10050	37	22	,	,	PUNCT
ajis01-10050	37	23	with	with	ADP
ajis01-10050	37	24	social	social	ADJ
ajis01-10050	37	25	influence	influence	NOUN
ajis01-10050	37	26	particularly	particularly	ADV
ajis01-10050	37	27	affecting	affect	VERB
ajis01-10050	37	28	millennials.10	millennials.10	NOUN
ajis01-10050	37	29	based	base	VERB
ajis01-10050	37	30	on	on	ADP
ajis01-10050	37	31	previous	previous	ADJ
ajis01-10050	37	32	research	research	NOUN
ajis01-10050	37	33	,	,	PUNCT
ajis01-10050	37	34	hypotheses	hypothesis	NOUN
ajis01-10050	37	35	have	have	AUX
ajis01-10050	37	36	been	be	AUX
ajis01-10050	37	37	developed	develop	VERB
ajis01-10050	37	38	to	to	PART
ajis01-10050	37	39	study	study	VERB
ajis01-10050	37	40	the	the	DET
ajis01-10050	37	41	impact	impact	NOUN
ajis01-10050	37	42	of	of	ADP
ajis01-10050	37	43	attitudes	attitude	NOUN
ajis01-10050	37	44	and	and	CCONJ
ajis01-10050	37	45	subjective	subjective	ADJ
ajis01-10050	37	46	norms	norm	NOUN
ajis01-10050	37	47	on	on	ADP
ajis01-10050	37	48	fintech	fintech	NOUN
ajis01-10050	37	49	lending	lending	NOUN
ajis01-10050	37	50	adoption	adoption	NOUN
ajis01-10050	37	51	among	among	ADP
ajis01-10050	37	52	millennials	millennial	NOUN
ajis01-10050	37	53	:	:	PUNCT
ajis01-10050	38	1	h1	h1	PROPN
ajis01-10050	38	2	.	.	PUNCT
ajis01-10050	38	3	attitude	attitude	NOUN
ajis01-10050	38	4	influences	influence	VERB
ajis01-10050	38	5	millennials	millennial	NOUN
ajis01-10050	38	6	'	'	PART
ajis01-10050	38	7	intention	intention	NOUN
ajis01-10050	38	8	to	to	PART
ajis01-10050	38	9	adopt	adopt	VERB
ajis01-10050	38	10	fintech	fintech	NOUN
ajis01-10050	38	11	lending	lending	NOUN
ajis01-10050	38	12	digital	digital	ADJ
ajis01-10050	38	13	financial	financial	ADJ
ajis01-10050	38	14	services	service	NOUN
ajis01-10050	38	15	.	.	PUNCT
ajis01-10050	39	1	h2	h2	PROPN
ajis01-10050	39	2	.	.	PUNCT
ajis01-10050	40	1	subjective	subjective	ADJ
ajis01-10050	40	2	norms	norm	NOUN
ajis01-10050	40	3	influence	influence	NOUN
ajis01-10050	40	4	millennials	millennial	NOUN
ajis01-10050	40	5	'	'	PART
ajis01-10050	40	6	intention	intention	NOUN
ajis01-10050	40	7	to	to	PART
ajis01-10050	40	8	adopt	adopt	VERB
ajis01-10050	40	9	fintech	fintech	NOUN
ajis01-10050	40	10	lending	lending	NOUN
ajis01-10050	40	11	digital	digital	ADJ
ajis01-10050	40	12	financial	financial	ADJ
ajis01-10050	40	13	services	service	NOUN
ajis01-10050	40	14	.	.	PUNCT
ajis01-10050	41	1	new	new	ADJ
ajis01-10050	41	2	products	product	NOUN
ajis01-10050	41	3	,	,	PUNCT
ajis01-10050	41	4	services	service	NOUN
ajis01-10050	41	5	,	,	PUNCT
ajis01-10050	41	6	and	and	CCONJ
ajis01-10050	41	7	technologies	technology	NOUN
ajis01-10050	41	8	are	be	AUX
ajis01-10050	41	9	often	often	ADV
ajis01-10050	41	10	met	meet	VERB
ajis01-10050	41	11	with	with	ADP
ajis01-10050	41	12	uncertainty	uncertainty	NOUN
ajis01-10050	41	13	and	and	CCONJ
ajis01-10050	41	14	negative	negative	ADJ
ajis01-10050	41	15	perceptions	perception	NOUN
ajis01-10050	41	16	,	,	PUNCT
ajis01-10050	41	17	leading	lead	VERB
ajis01-10050	41	18	to	to	ADP
ajis01-10050	41	19	perceived	perceive	VERB
ajis01-10050	41	20	risks	risk	NOUN
ajis01-10050	41	21	such	such	ADJ
ajis01-10050	41	22	as	as	ADP
ajis01-10050	41	23	financial	financial	ADJ
ajis01-10050	41	24	,	,	PUNCT
ajis01-10050	41	25	social	social	ADJ
ajis01-10050	41	26	,	,	PUNCT
ajis01-10050	41	27	safety	safety	NOUN
ajis01-10050	41	28	,	,	PUNCT
ajis01-10050	41	29	psychological	psychological	ADJ
ajis01-10050	41	30	,	,	PUNCT
ajis01-10050	41	31	time	time	NOUN
ajis01-10050	41	32	,	,	PUNCT
ajis01-10050	41	33	and	and	CCONJ
ajis01-10050	41	34	performance	performance	NOUN
ajis01-10050	41	35	risks.11	risks.11	ADJ
ajis01-10050	41	36	understanding	understand	VERB
ajis01-10050	41	37	consumer	consumer	NOUN
ajis01-10050	41	38	perceptions	perception	NOUN
ajis01-10050	41	39	of	of	ADP
ajis01-10050	41	40	control	control	NOUN
ajis01-10050	41	41	over	over	ADP
ajis01-10050	41	42	new	new	ADJ
ajis01-10050	41	43	product	product	NOUN
ajis01-10050	41	44	introductions	introduction	NOUN
ajis01-10050	41	45	is	be	AUX
ajis01-10050	41	46	crucial	crucial	ADJ
ajis01-10050	41	47	,	,	PUNCT
ajis01-10050	41	48	especially	especially	ADV
ajis01-10050	41	49	in	in	ADP
ajis01-10050	41	50	the	the	DET
ajis01-10050	41	51	context	context	NOUN
ajis01-10050	41	52	of	of	ADP
ajis01-10050	41	53	digital	digital	ADJ
ajis01-10050	41	54	finance	finance	NOUN
ajis01-10050	41	55	like	like	ADP
ajis01-10050	41	56	fintech	fintech	NOUN
ajis01-10050	41	57	lending	lending	NOUN
ajis01-10050	41	58	.	.	PUNCT
ajis01-10050	42	1	consumer	consumer	NOUN
ajis01-10050	42	2	adoption	adoption	NOUN
ajis01-10050	42	3	of	of	ADP
ajis01-10050	42	4	fintech	fintech	NOUN
ajis01-10050	42	5	lending	lending	NOUN
ajis01-10050	42	6	services	service	NOUN
ajis01-10050	42	7	may	may	AUX
ajis01-10050	42	8	be	be	AUX
ajis01-10050	42	9	hindered	hinder	VERB
ajis01-10050	42	10	by	by	ADP
ajis01-10050	42	11	concerns	concern	NOUN
ajis01-10050	42	12	about	about	ADP
ajis01-10050	42	13	security	security	NOUN
ajis01-10050	42	14	,	,	PUNCT
ajis01-10050	42	15	privacy	privacy	NOUN
ajis01-10050	42	16	,	,	PUNCT
ajis01-10050	42	17	financial	financial	ADJ
ajis01-10050	42	18	,	,	PUNCT
ajis01-10050	42	19	and	and	CCONJ
ajis01-10050	42	20	performance	performance	NOUN
ajis01-10050	42	21	risks	risk	NOUN
ajis01-10050	42	22	.	.	PUNCT
ajis01-10050	43	1	studies	study	NOUN
ajis01-10050	43	2	have	have	AUX
ajis01-10050	43	3	shown	show	VERB
ajis01-10050	43	4	that	that	SCONJ
ajis01-10050	43	5	a	a	DET
ajis01-10050	43	6	lack	lack	NOUN
ajis01-10050	43	7	of	of	ADP
ajis01-10050	43	8	regulations	regulation	NOUN
ajis01-10050	43	9	and	and	CCONJ
ajis01-10050	43	10	protection	protection	NOUN
ajis01-10050	43	11	against	against	ADP
ajis01-10050	43	12	fraud	fraud	NOUN
ajis01-10050	43	13	can	can	AUX
ajis01-10050	43	14	delay	delay	VERB
ajis01-10050	43	15	the	the	DET
ajis01-10050	43	16	adoption	adoption	NOUN
ajis01-10050	43	17	of	of	ADP
ajis01-10050	43	18	digital	digital	ADJ
ajis01-10050	43	19	financial	financial	ADJ
ajis01-10050	43	20	services	service	NOUN
ajis01-10050	43	21	.	.	PUNCT
ajis01-10050	44	1	perceived	perceive	VERB
ajis01-10050	44	2	control	control	NOUN
ajis01-10050	44	3	behaviour	behaviour	NOUN
ajis01-10050	44	4	plays	play	VERB
ajis01-10050	44	5	a	a	DET
ajis01-10050	44	6	significant	significant	ADJ
ajis01-10050	44	7	role	role	NOUN
ajis01-10050	44	8	in	in	ADP
ajis01-10050	44	9	managing	manage	VERB
ajis01-10050	44	10	financial	financial	ADJ
ajis01-10050	44	11	and	and	CCONJ
ajis01-10050	44	12	performance	performance	NOUN
ajis01-10050	44	13	risks	risk	NOUN
ajis01-10050	44	14	,	,	PUNCT
ajis01-10050	44	15	such	such	ADJ
ajis01-10050	44	16	as	as	ADP
ajis01-10050	44	17	transactional	transactional	ADJ
ajis01-10050	44	18	errors	error	NOUN
ajis01-10050	44	19	,	,	PUNCT
ajis01-10050	44	20	data	datum	NOUN
ajis01-10050	44	21	breaches	breach	NOUN
ajis01-10050	44	22	,	,	PUNCT
ajis01-10050	44	23	server	server	NOUN
ajis01-10050	44	24	crashes	crash	NOUN
ajis01-10050	44	25	,	,	PUNCT
ajis01-10050	44	26	and	and	CCONJ
ajis01-10050	44	27	network	network	NOUN
ajis01-10050	44	28	disruptions	disruption	NOUN
ajis01-10050	44	29	.	.	PUNCT
ajis01-10050	45	1	this	this	DET
ajis01-10050	45	2	discussion	discussion	NOUN
ajis01-10050	45	3	supports	support	VERB
ajis01-10050	45	4	the	the	DET
ajis01-10050	45	5	hypothesis	hypothesis	NOUN
ajis01-10050	45	6	that	that	SCONJ
ajis01-10050	45	7	10	10	NUM
ajis01-10050	45	8	m	m	NOUN
ajis01-10050	45	9	kurnia	kurnia	NOUN
ajis01-10050	45	10	rahman	rahman	PROPN
ajis01-10050	45	11	abadi	abadi	PROPN
ajis01-10050	45	12	and	and	CCONJ
ajis01-10050	45	13	hamdino	hamdino	PROPN
ajis01-10050	45	14	bin	bin	PROPN
ajis01-10050	45	15	hamdan	hamdan	PROPN
ajis01-10050	45	16	,	,	PUNCT
ajis01-10050	45	17	“	"	PUNCT
ajis01-10050	45	18	individual	individual	ADJ
ajis01-10050	45	19	cultural	cultural	ADJ
ajis01-10050	45	20	values	value	NOUN
ajis01-10050	45	21	and	and	CCONJ
ajis01-10050	45	22	profit	profit	NOUN
ajis01-10050	45	23	expectations	expectation	NOUN
ajis01-10050	45	24	on	on	ADP
ajis01-10050	45	25	investment	investment	NOUN
ajis01-10050	45	26	intentions	intention	NOUN
ajis01-10050	45	27	in	in	ADP
ajis01-10050	45	28	crypto	crypto	PROPN
ajis01-10050	45	29	currency	currency	NOUN
ajis01-10050	45	30	 	 	SPACE
ajis01-10050	45	31	:	:	PUNCT
ajis01-10050	45	32	religiosity	religiosity	NOUN
ajis01-10050	45	33	as	as	ADP
ajis01-10050	45	34	a	a	DET
ajis01-10050	45	35	moderating	moderate	VERB
ajis01-10050	45	36	variable	variable	NOUN
ajis01-10050	45	37	,	,	PUNCT
ajis01-10050	45	38	”	"	PUNCT
ajis01-10050	45	39	baskara	baskara	NOUN
ajis01-10050	45	40	 	 	SPACE
ajis01-10050	45	41	:	:	PUNCT
ajis01-10050	45	42	journal	journal	NOUN
ajis01-10050	45	43	of	of	ADP
ajis01-10050	45	44	business	business	NOUN
ajis01-10050	45	45	and	and	CCONJ
ajis01-10050	45	46	entrepreneurship	entrepreneurship	NOUN
ajis01-10050	45	47	6	6	NUM
ajis01-10050	45	48	,	,	PUNCT
ajis01-10050	45	49	no	no	INTJ
ajis01-10050	45	50	.	.	NOUN
ajis01-10050	45	51	01	01	NUM
ajis01-10050	46	1	(	(	PUNCT
ajis01-10050	46	2	2023	2023	NUM
ajis01-10050	46	3	):	):	PUNCT
ajis01-10050	46	4	62–84	62–84	NOUN
ajis01-10050	46	5	,	,	PUNCT
ajis01-10050	46	6	https://doi.org/https://doi.org/10.54268/baskara.v6i1.18657	https://doi.org/https://doi.org/10.54268/baskara.v6i1.18657	PRON
ajis01-10050	46	7	.	.	PUNCT
ajis01-10050	47	1	11	11	NUM
ajis01-10050	47	2	felicia	felicia	PROPN
ajis01-10050	47	3	hui	hui	PROPN
ajis01-10050	47	4	ling	ling	PROPN
ajis01-10050	47	5	chong	chong	PROPN
ajis01-10050	47	6	,	,	PUNCT
ajis01-10050	47	7	“	"	PUNCT
ajis01-10050	47	8	enhancing	enhance	VERB
ajis01-10050	47	9	trust	trust	NOUN
ajis01-10050	47	10	through	through	ADP
ajis01-10050	47	11	digital	digital	ADJ
ajis01-10050	47	12	islamic	islamic	PROPN
ajis01-10050	47	13	finance	finance	PROPN
ajis01-10050	47	14	and	and	CCONJ
ajis01-10050	47	15	blockchain	blockchain	PROPN
ajis01-10050	47	16	technology	technology	PROPN
ajis01-10050	47	17	,	,	PUNCT
ajis01-10050	47	18	”	"	PUNCT
ajis01-10050	47	19	qualitative	qualitative	ADJ
ajis01-10050	47	20	research	research	NOUN
ajis01-10050	47	21	in	in	ADP
ajis01-10050	47	22	financial	financial	ADJ
ajis01-10050	47	23	markets	market	NOUN
ajis01-10050	47	24	13	13	NUM
ajis01-10050	47	25	,	,	PUNCT
ajis01-10050	47	26	no	no	INTJ
ajis01-10050	47	27	.	.	NOUN
ajis01-10050	47	28	3	3	NUM
ajis01-10050	47	29	(	(	PUNCT
ajis01-10050	47	30	2021	2021	NUM
ajis01-10050	47	31	):	):	PUNCT
ajis01-10050	47	32	328–41	328–41	NUM
ajis01-10050	47	33	,	,	PUNCT
ajis01-10050	47	34	https://doi.org/10.1108/qrfm-05-2020-0076	https://doi.org/10.1108/qrfm-05-2020-0076	PROPN
ajis01-10050	47	35	.	.	PUNCT
ajis01-10050	48	1	m.	m.	NOUN
ajis01-10050	48	2	kurnia	kurnia	PROPN
ajis01-10050	49	1	rahman	rahman	PROPN
ajis01-10050	49	2	abadi	abadi	PROPN
ajis01-10050	49	3	:	:	PUNCT
ajis01-10050	49	4	indonesian	indonesian	ADJ
ajis01-10050	49	5	millennial	millennial	ADJ
ajis01-10050	49	6	’s	’s	PART
ajis01-10050	49	7	financial	financial	ADJ
ajis01-10050	49	8	behaviour	behaviour	NOUN
ajis01-10050	49	9	|	|	ADV
ajis01-10050	49	10	104	104	NUM
ajis01-10050	49	11	h3	h3	NOUN
ajis01-10050	49	12	.	.	PUNCT
ajis01-10050	50	1	perceived	perceive	VERB
ajis01-10050	50	2	control	control	NOUN
ajis01-10050	50	3	behaviour	behaviour	NOUN
ajis01-10050	50	4	faced	face	VERB
ajis01-10050	50	5	by	by	ADP
ajis01-10050	50	6	individuals	individual	NOUN
ajis01-10050	50	7	is	be	AUX
ajis01-10050	50	8	related	relate	VERB
ajis01-10050	50	9	to	to	ADP
ajis01-10050	50	10	millennials	millennial	NOUN
ajis01-10050	50	11	'	'	PART
ajis01-10050	50	12	adoption	adoption	NOUN
ajis01-10050	50	13	of	of	ADP
ajis01-10050	50	14	fintech	fintech	NOUN
ajis01-10050	50	15	lending	lending	NOUN
ajis01-10050	50	16	.	.	PUNCT
ajis01-10050	51	1	extrinsic	extrinsic	ADJ
ajis01-10050	51	2	and	and	CCONJ
ajis01-10050	51	3	intrinsic	intrinsic	ADJ
ajis01-10050	51	4	factors	factor	NOUN
ajis01-10050	51	5	play	play	VERB
ajis01-10050	51	6	a	a	DET
ajis01-10050	51	7	crucial	crucial	ADJ
ajis01-10050	51	8	role	role	NOUN
ajis01-10050	51	9	in	in	ADP
ajis01-10050	51	10	promoting	promote	VERB
ajis01-10050	51	11	consumer	consumer	NOUN
ajis01-10050	51	12	financial	financial	ADJ
ajis01-10050	51	13	literacy.12	literacy.12	NOUN
ajis01-10050	51	14	the	the	DET
ajis01-10050	51	15	simplicity	simplicity	NOUN
ajis01-10050	51	16	and	and	CCONJ
ajis01-10050	51	17	portability	portability	NOUN
ajis01-10050	51	18	of	of	ADP
ajis01-10050	51	19	financial	financial	ADJ
ajis01-10050	51	20	products	product	NOUN
ajis01-10050	51	21	,	,	PUNCT
ajis01-10050	51	22	coupled	couple	VERB
ajis01-10050	51	23	with	with	ADP
ajis01-10050	51	24	knowledge	knowledge	NOUN
ajis01-10050	51	25	of	of	ADP
ajis01-10050	51	26	what	what	PRON
ajis01-10050	51	27	they	they	PRON
ajis01-10050	51	28	entail	entail	VERB
ajis01-10050	51	29	and	and	CCONJ
ajis01-10050	51	30	how	how	SCONJ
ajis01-10050	51	31	they	they	PRON
ajis01-10050	51	32	work	work	VERB
ajis01-10050	51	33	,	,	PUNCT
ajis01-10050	51	34	greatly	greatly	ADV
ajis01-10050	51	35	enhance	enhance	VERB
ajis01-10050	51	36	convenience	convenience	NOUN
ajis01-10050	51	37	for	for	ADP
ajis01-10050	51	38	technology	technology	NOUN
ajis01-10050	51	39	users	user	NOUN
ajis01-10050	51	40	.	.	PUNCT
ajis01-10050	52	1	some	some	DET
ajis01-10050	52	2	researchers	researcher	NOUN
ajis01-10050	52	3	have	have	AUX
ajis01-10050	52	4	also	also	ADV
ajis01-10050	52	5	highlighted	highlight	VERB
ajis01-10050	52	6	the	the	DET
ajis01-10050	52	7	significance	significance	NOUN
ajis01-10050	52	8	of	of	ADP
ajis01-10050	52	9	understanding	understand	VERB
ajis01-10050	52	10	convenience	convenience	NOUN
ajis01-10050	52	11	as	as	ADP
ajis01-10050	52	12	something	something	PRON
ajis01-10050	52	13	that	that	PRON
ajis01-10050	52	14	is	be	AUX
ajis01-10050	52	15	accessible	accessible	ADJ
ajis01-10050	52	16	and	and	CCONJ
ajis01-10050	52	17	adaptable	adaptable	ADJ
ajis01-10050	52	18	within	within	ADP
ajis01-10050	52	19	specific	specific	ADJ
ajis01-10050	52	20	timeframes	timeframe	NOUN
ajis01-10050	52	21	and	and	CCONJ
ajis01-10050	52	22	contexts.13	contexts.13	NOUN
ajis01-10050	52	23	others	other	NOUN
ajis01-10050	52	24	emphasize	emphasize	VERB
ajis01-10050	52	25	the	the	DET
ajis01-10050	52	26	importance	importance	NOUN
ajis01-10050	52	27	of	of	ADP
ajis01-10050	52	28	suitability	suitability	NOUN
ajis01-10050	52	29	as	as	ADP
ajis01-10050	52	30	a	a	DET
ajis01-10050	52	31	precursor	precursor	NOUN
ajis01-10050	52	32	to	to	ADP
ajis01-10050	52	33	internet	internet	NOUN
ajis01-10050	52	34	and	and	CCONJ
ajis01-10050	52	35	mobile	mobile	NOUN
ajis01-10050	52	36	banking.14	banking.14	PROPN
ajis01-10050	52	37	therefore	therefore	ADV
ajis01-10050	52	38	,	,	PUNCT
ajis01-10050	52	39	financial	financial	ADJ
ajis01-10050	52	40	literacy	literacy	NOUN
ajis01-10050	52	41	plays	play	VERB
ajis01-10050	52	42	a	a	DET
ajis01-10050	52	43	pivotal	pivotal	ADJ
ajis01-10050	52	44	role	role	NOUN
ajis01-10050	52	45	in	in	ADP
ajis01-10050	52	46	driving	drive	VERB
ajis01-10050	52	47	the	the	DET
ajis01-10050	52	48	adoption	adoption	NOUN
ajis01-10050	52	49	of	of	ADP
ajis01-10050	52	50	fintech	fintech	NOUN
ajis01-10050	52	51	and	and	CCONJ
ajis01-10050	52	52	digital	digital	ADJ
ajis01-10050	52	53	financial	financial	ADJ
ajis01-10050	52	54	services	service	NOUN
ajis01-10050	52	55	,	,	PUNCT
ajis01-10050	52	56	which	which	PRON
ajis01-10050	52	57	are	be	AUX
ajis01-10050	52	58	perceived	perceive	VERB
ajis01-10050	52	59	as	as	ADP
ajis01-10050	52	60	a	a	DET
ajis01-10050	52	61	trade	trade	NOUN
ajis01-10050	52	62	-	-	PUNCT
ajis01-10050	52	63	off	off	NOUN
ajis01-10050	52	64	between	between	ADP
ajis01-10050	52	65	savings	saving	NOUN
ajis01-10050	52	66	and	and	CCONJ
ajis01-10050	52	67	profits	profit	NOUN
ajis01-10050	52	68	.	.	PUNCT
ajis01-10050	53	1	certain	certain	ADJ
ajis01-10050	53	2	scientists	scientist	NOUN
ajis01-10050	53	3	argue	argue	VERB
ajis01-10050	53	4	that	that	SCONJ
ajis01-10050	53	5	the	the	DET
ajis01-10050	53	6	emergence	emergence	NOUN
ajis01-10050	53	7	of	of	ADP
ajis01-10050	53	8	fintech	fintech	NOUN
ajis01-10050	53	9	in	in	ADP
ajis01-10050	53	10	the	the	DET
ajis01-10050	53	11	financial	financial	ADJ
ajis01-10050	53	12	industry	industry	NOUN
ajis01-10050	53	13	allows	allow	VERB
ajis01-10050	53	14	service	service	NOUN
ajis01-10050	53	15	providers	provider	NOUN
ajis01-10050	53	16	to	to	PART
ajis01-10050	53	17	offer	offer	VERB
ajis01-10050	53	18	low	low	ADJ
ajis01-10050	53	19	-	-	PUNCT
ajis01-10050	53	20	interest	interest	NOUN
ajis01-10050	53	21	loans	loan	NOUN
ajis01-10050	53	22	and	and	CCONJ
ajis01-10050	53	23	high	high	ADJ
ajis01-10050	53	24	returns	return	NOUN
ajis01-10050	53	25	to	to	ADP
ajis01-10050	53	26	lenders	lender	NOUN
ajis01-10050	53	27	by	by	ADP
ajis01-10050	53	28	eliminating	eliminate	VERB
ajis01-10050	53	29	traditional	traditional	ADJ
ajis01-10050	53	30	financial	financial	ADJ
ajis01-10050	53	31	institutions.15	institutions.15	NOUN
ajis01-10050	53	32	furthermore	furthermore	ADV
ajis01-10050	53	33	,	,	PUNCT
ajis01-10050	53	34	the	the	DET
ajis01-10050	53	35	perception	perception	NOUN
ajis01-10050	53	36	of	of	ADP
ajis01-10050	53	37	financial	financial	ADJ
ajis01-10050	53	38	knowledge	knowledge	NOUN
ajis01-10050	53	39	in	in	ADP
ajis01-10050	53	40	fintech	fintech	NOUN
ajis01-10050	53	41	lending	lending	NOUN
ajis01-10050	53	42	and	and	CCONJ
ajis01-10050	53	43	digital	digital	ADJ
ajis01-10050	53	44	finance	finance	NOUN
ajis01-10050	53	45	usage	usage	NOUN
ajis01-10050	53	46	can	can	AUX
ajis01-10050	53	47	be	be	AUX
ajis01-10050	53	48	gauged	gauge	VERB
ajis01-10050	53	49	by	by	ADP
ajis01-10050	53	50	the	the	DET
ajis01-10050	53	51	smoothness	smoothness	NOUN
ajis01-10050	53	52	of	of	ADP
ajis01-10050	53	53	transactions	transaction	NOUN
ajis01-10050	53	54	.	.	PUNCT
ajis01-10050	54	1	louie	louie	PROPN
ajis01-10050	54	2	and	and	CCONJ
ajis01-10050	54	3	wang	wang	PROPN
ajis01-10050	54	4	(	(	PUNCT
ajis01-10050	54	5	2021	2021	NUM
ajis01-10050	54	6	)	)	PUNCT
ajis01-10050	54	7	describe	describe	VERB
ajis01-10050	54	8	seamless	seamless	ADJ
ajis01-10050	54	9	transactions	transaction	NOUN
ajis01-10050	54	10	as	as	ADV
ajis01-10050	54	11	efficient	efficient	ADJ
ajis01-10050	54	12	and	and	CCONJ
ajis01-10050	54	13	rapid	rapid	ADJ
ajis01-10050	54	14	,	,	PUNCT
ajis01-10050	54	15	further	far	ADV
ajis01-10050	54	16	reinforcing	reinforce	VERB
ajis01-10050	54	17	the	the	DET
ajis01-10050	54	18	advantages	advantage	NOUN
ajis01-10050	54	19	of	of	ADP
ajis01-10050	54	20	borderless	borderless	ADJ
ajis01-10050	54	21	transactions	transaction	NOUN
ajis01-10050	54	22	over	over	ADP
ajis01-10050	54	23	traditional	traditional	ADJ
ajis01-10050	54	24	financial	financial	ADJ
ajis01-10050	54	25	institutions.16	institutions.16	PROPN
ajis01-10050	54	26	this	this	PRON
ajis01-10050	54	27	,	,	PUNCT
ajis01-10050	54	28	in	in	ADP
ajis01-10050	54	29	turn	turn	NOUN
ajis01-10050	54	30	,	,	PUNCT
ajis01-10050	54	31	motivates	motivate	VERB
ajis01-10050	54	32	fintech	fintech	NOUN
ajis01-10050	54	33	firms	firm	NOUN
ajis01-10050	54	34	to	to	PART
ajis01-10050	54	35	innovate	innovate	VERB
ajis01-10050	54	36	and	and	CCONJ
ajis01-10050	54	37	develop	develop	VERB
ajis01-10050	54	38	new	new	ADJ
ajis01-10050	54	39	products	product	NOUN
ajis01-10050	54	40	and	and	CCONJ
ajis01-10050	54	41	services	service	NOUN
ajis01-10050	54	42	to	to	PART
ajis01-10050	54	43	maintain	maintain	VERB
ajis01-10050	54	44	competitiveness	competitiveness	NOUN
ajis01-10050	54	45	in	in	ADP
ajis01-10050	54	46	12	12	NUM
ajis01-10050	54	47	chandra	chandra	PROPN
ajis01-10050	54	48	hendriyani	hendriyani	PROPN
ajis01-10050	54	49	et	et	PROPN
ajis01-10050	54	50	al	al	PROPN
ajis01-10050	54	51	.	.	PROPN
ajis01-10050	54	52	,	,	PUNCT
ajis01-10050	54	53	“	"	PUNCT
ajis01-10050	54	54	business	business	NOUN
ajis01-10050	54	55	agility	agility	NOUN
ajis01-10050	54	56	strategy	strategy	NOUN
ajis01-10050	54	57	:	:	PUNCT
ajis01-10050	54	58	peer	peer	NOUN
ajis01-10050	54	59	-	-	PUNCT
ajis01-10050	54	60	to	to	ADP
ajis01-10050	54	61	-	-	PUNCT
ajis01-10050	54	62	peer	peer	NOUN
ajis01-10050	54	63	lending	lending	NOUN
ajis01-10050	54	64	of	of	ADP
ajis01-10050	54	65	fintech	fintech	NOUN
ajis01-10050	54	66	startup	startup	NOUN
ajis01-10050	54	67	in	in	ADP
ajis01-10050	54	68	the	the	DET
ajis01-10050	54	69	era	era	NOUN
ajis01-10050	54	70	of	of	ADP
ajis01-10050	54	71	digital	digital	ADJ
ajis01-10050	54	72	finance	finance	NOUN
ajis01-10050	54	73	in	in	ADP
ajis01-10050	54	74	indonesia	indonesia	PROPN
ajis01-10050	54	75	,	,	PUNCT
ajis01-10050	54	76	”	"	PUNCT
ajis01-10050	54	77	review	review	NOUN
ajis01-10050	54	78	of	of	ADP
ajis01-10050	54	79	integrative	integrative	ADJ
ajis01-10050	54	80	business	business	NOUN
ajis01-10050	54	81	and	and	CCONJ
ajis01-10050	54	82	economics	economic	NOUN
ajis01-10050	54	83	research	research	NOUN
ajis01-10050	54	84	8	8	NUM
ajis01-10050	54	85	,	,	PUNCT
ajis01-10050	54	86	no	no	INTJ
ajis01-10050	54	87	.	.	NOUN
ajis01-10050	54	88	4	4	NUM
ajis01-10050	54	89	(	(	PUNCT
ajis01-10050	54	90	2019	2019	NUM
ajis01-10050	54	91	):	):	PUNCT
ajis01-10050	54	92	239–45	239–45	NUM
ajis01-10050	54	93	.	.	PUNCT
ajis01-10050	54	94	13	13	NUM
ajis01-10050	54	95	witha	witha	NOUN
ajis01-10050	54	96	yuliani	yuliani	PROPN
ajis01-10050	54	97	,	,	PUNCT
ajis01-10050	54	98	sarah	sarah	PROPN
ajis01-10050	54	99	usman	usman	PROPN
ajis01-10050	54	100	,	,	PUNCT
ajis01-10050	54	101	and	and	CCONJ
ajis01-10050	54	102	dirarini	dirarini	PROPN
ajis01-10050	54	103	sudarwadi	sudarwadi	NOUN
ajis01-10050	54	104	,	,	PUNCT
ajis01-10050	54	105	“	"	PUNCT
ajis01-10050	54	106	analisa	analisa	NOUN
ajis01-10050	54	107	minat	minat	NOUN
ajis01-10050	54	108	investasi	investasi	PROPN
ajis01-10050	54	109	pasar	pasar	PROPN
ajis01-10050	54	110	modal	modal	PROPN
ajis01-10050	54	111	pada	pada	PROPN
ajis01-10050	54	112	mahasiswa	mahasiswa	PROPN
ajis01-10050	54	113	feb	feb	PROPN
ajis01-10050	54	114	di	di	PROPN
ajis01-10050	54	115	universitas	universitas	PROPN
ajis01-10050	54	116	papua	papua	PROPN
ajis01-10050	54	117	,	,	PUNCT
ajis01-10050	54	118	”	"	PUNCT
ajis01-10050	54	119	nominal	nominal	ADJ
ajis01-10050	54	120	:	:	PUNCT
ajis01-10050	54	121	barometer	barometer	NOUN
ajis01-10050	54	122	riset	riset	PROPN
ajis01-10050	54	123	akuntansi	akuntansi	PROPN
ajis01-10050	54	124	dan	dan	PROPN
ajis01-10050	54	125	manajemen	manajeman	NOUN
ajis01-10050	54	126	9	9	NUM
ajis01-10050	54	127	,	,	PUNCT
ajis01-10050	54	128	no	no	INTJ
ajis01-10050	54	129	.	.	NOUN
ajis01-10050	54	130	2	2	NUM
ajis01-10050	54	131	(	(	PUNCT
ajis01-10050	54	132	2020	2020	NUM
ajis01-10050	54	133	):	):	PUNCT
ajis01-10050	54	134	150–67	150–67	NUM
ajis01-10050	54	135	,	,	PUNCT
ajis01-10050	54	136	https://doi.org/10.21831/nominal.v9i2.30033	https://doi.org/10.21831/nominal.v9i2.30033	PROPN
ajis01-10050	54	137	.	.	NOUN
ajis01-10050	54	138	14	14	NUM
ajis01-10050	54	139	achmad	achmad	PROPN
ajis01-10050	54	140	rizal	rizal	PROPN
ajis01-10050	54	141	et	et	PROPN
ajis01-10050	54	142	al	al	PROPN
ajis01-10050	54	143	.	.	PROPN
ajis01-10050	54	144	,	,	PUNCT
ajis01-10050	54	145	“	"	PUNCT
ajis01-10050	54	146	pinpointing	pinpoint	VERB
ajis01-10050	54	147	the	the	DET
ajis01-10050	54	148	determinants	determinant	NOUN
ajis01-10050	54	149	of	of	ADP
ajis01-10050	54	150	financial	financial	ADJ
ajis01-10050	54	151	literacy	literacy	NOUN
ajis01-10050	54	152	 	 	SPACE
ajis01-10050	54	153	:	:	PUNCT
ajis01-10050	54	154	empirical	empirical	ADJ
ajis01-10050	54	155	evidence	evidence	NOUN
ajis01-10050	54	156	of	of	ADP
ajis01-10050	54	157	indonesian	indonesian	ADJ
ajis01-10050	54	158	employees	employee	NOUN
ajis01-10050	54	159	in	in	ADP
ajis01-10050	54	160	malaysia	malaysia	PROPN
ajis01-10050	54	161	,	,	PUNCT
ajis01-10050	54	162	”	"	PUNCT
ajis01-10050	54	163	iqtishadia	iqtishadia	PROPN
ajis01-10050	54	164	 	 	SPACE
ajis01-10050	54	165	:	:	PUNCT
ajis01-10050	54	166	jurnal	jurnal	ADJ
ajis01-10050	54	167	ekonomi	ekonomi	PROPN
ajis01-10050	54	168	&	&	CCONJ
ajis01-10050	54	169	perbankan	perbankan	PROPN
ajis01-10050	54	170	syariah	syariah	PROPN
ajis01-10050	54	171	2	2	NUM
ajis01-10050	54	172	,	,	PUNCT
ajis01-10050	54	173	no	no	INTJ
ajis01-10050	54	174	.	.	NOUN
ajis01-10050	54	175	2	2	NUM
ajis01-10050	54	176	(	(	PUNCT
ajis01-10050	54	177	2021	2021	NUM
ajis01-10050	54	178	):	):	PUNCT
ajis01-10050	54	179	1–16	1–16	NOUN
ajis01-10050	54	180	,	,	PUNCT
ajis01-10050	54	181	https://doi.org/10.1905/iqtishadia.v6i1.xxxx	https://doi.org/10.1905/iqtishadia.v6i1.xxxx	PROPN
ajis01-10050	54	182	.	.	PROPN
ajis01-10050	54	183	15	15	NUM
ajis01-10050	54	184	hendriyani	hendriyani	PROPN
ajis01-10050	54	185	et	et	PROPN
ajis01-10050	54	186	al	al	PROPN
ajis01-10050	54	187	.	.	PROPN
ajis01-10050	54	188	,	,	PUNCT
ajis01-10050	54	189	“	"	PUNCT
ajis01-10050	54	190	business	business	NOUN
ajis01-10050	54	191	agility	agility	NOUN
ajis01-10050	54	192	strategy	strategy	NOUN
ajis01-10050	54	193	:	:	PUNCT
ajis01-10050	54	194	peer	peer	NOUN
ajis01-10050	54	195	-	-	PUNCT
ajis01-10050	54	196	to	to	ADP
ajis01-10050	54	197	-	-	PUNCT
ajis01-10050	54	198	peer	peer	NOUN
ajis01-10050	54	199	lending	lending	NOUN
ajis01-10050	54	200	of	of	ADP
ajis01-10050	54	201	fintech	fintech	NOUN
ajis01-10050	54	202	startup	startup	NOUN
ajis01-10050	54	203	in	in	ADP
ajis01-10050	54	204	the	the	DET
ajis01-10050	54	205	era	era	NOUN
ajis01-10050	54	206	of	of	ADP
ajis01-10050	54	207	digital	digital	ADJ
ajis01-10050	54	208	finance	finance	NOUN
ajis01-10050	54	209	in	in	ADP
ajis01-10050	54	210	indonesia	indonesia	PROPN
ajis01-10050	54	211	.	.	PUNCT
ajis01-10050	54	212	”	"	PUNCT
ajis01-10050	55	1	16	16	NUM
ajis01-10050	55	2	louie	louie	PROPN
ajis01-10050	55	3	and	and	CCONJ
ajis01-10050	55	4	wang	wang	PROPN
ajis01-10050	55	5	,	,	PUNCT
ajis01-10050	55	6	“	"	PUNCT
ajis01-10050	55	7	china	china	PROPN
ajis01-10050	55	8	’	'	PUNCT
ajis01-10050	55	9	s	s	PART
ajis01-10050	55	10	forthcoming	forthcome	VERB
ajis01-10050	55	11	digital	digital	ADJ
ajis01-10050	55	12	currency	currency	NOUN
ajis01-10050	55	13	 	 	SPACE
ajis01-10050	55	14	:	:	PUNCT
ajis01-10050	55	15	implications	implication	NOUN
ajis01-10050	55	16	for	for	ADP
ajis01-10050	55	17	foreign	foreign	ADJ
ajis01-10050	55	18	companies	company	NOUN
ajis01-10050	55	19	and	and	CCONJ
ajis01-10050	55	20	fi	fi	ADJ
ajis01-10050	55	21	nancial	nancial	ADJ
ajis01-10050	55	22	institutions	institution	NOUN
ajis01-10050	55	23	in	in	ADP
ajis01-10050	55	24	china	china	PROPN
ajis01-10050	55	25	.	.	PUNCT
ajis01-10050	55	26	”	"	PUNCT
ajis01-10050	56	1	105	105	NUM
ajis01-10050	57	1	|	|	ADV
ajis01-10050	57	2	ajis	ajis	ADV
ajis01-10050	57	3	:	:	PUNCT
ajis01-10050	57	4	academic	academic	ADJ
ajis01-10050	57	5	journal	journal	NOUN
ajis01-10050	57	6	of	of	ADP
ajis01-10050	57	7	islamic	islamic	PROPN
ajis01-10050	57	8	studies	study	NOUN
ajis01-10050	57	9	,	,	PUNCT
ajis01-10050	57	10	vol	vol	NOUN
ajis01-10050	57	11	.	.	PROPN
ajis01-10050	58	1	9	9	NUM
ajis01-10050	58	2	,	,	PUNCT
ajis01-10050	58	3	no	no	INTJ
ajis01-10050	58	4	.	.	NOUN
ajis01-10050	58	5	1	1	NUM
ajis01-10050	58	6	,	,	PUNCT
ajis01-10050	58	7	2024	2024	NUM
ajis01-10050	58	8	the	the	DET
ajis01-10050	58	9	financial	financial	ADJ
ajis01-10050	58	10	market.17	market.17	PROPN
ajis01-10050	58	11	consequently	consequently	ADV
ajis01-10050	58	12	,	,	PUNCT
ajis01-10050	58	13	the	the	DET
ajis01-10050	58	14	aforementioned	aforementioned	ADJ
ajis01-10050	58	15	discussion	discussion	NOUN
ajis01-10050	58	16	leads	lead	VERB
ajis01-10050	58	17	to	to	ADP
ajis01-10050	58	18	the	the	DET
ajis01-10050	58	19	following	follow	VERB
ajis01-10050	58	20	hypothesis	hypothesis	NOUN
ajis01-10050	58	21	:	:	PUNCT
ajis01-10050	59	1	h4a	h4a	PROPN
ajis01-10050	59	2	.	.	PUNCT
ajis01-10050	59	3	financial	financial	ADJ
ajis01-10050	59	4	literacy	literacy	NOUN
ajis01-10050	59	5	can	can	AUX
ajis01-10050	59	6	serve	serve	VERB
ajis01-10050	59	7	as	as	ADP
ajis01-10050	59	8	a	a	DET
ajis01-10050	59	9	mediator	mediator	NOUN
ajis01-10050	59	10	in	in	ADP
ajis01-10050	59	11	the	the	DET
ajis01-10050	59	12	relationship	relationship	NOUN
ajis01-10050	59	13	between	between	ADP
ajis01-10050	59	14	attitude	attitude	NOUN
ajis01-10050	59	15	and	and	CCONJ
ajis01-10050	59	16	millennials	millennial	NOUN
ajis01-10050	59	17	'	'	PART
ajis01-10050	59	18	adoption	adoption	NOUN
ajis01-10050	59	19	of	of	ADP
ajis01-10050	59	20	fintech	fintech	NOUN
ajis01-10050	59	21	lending	lending	NOUN
ajis01-10050	59	22	.	.	PUNCT
ajis01-10050	60	1	h4b	h4b	NOUN
ajis01-10050	60	2	.	.	PUNCT
ajis01-10050	60	3	financial	financial	ADJ
ajis01-10050	60	4	literacy	literacy	NOUN
ajis01-10050	60	5	has	have	VERB
ajis01-10050	60	6	the	the	DET
ajis01-10050	60	7	potential	potential	NOUN
ajis01-10050	60	8	to	to	PART
ajis01-10050	60	9	act	act	VERB
ajis01-10050	60	10	as	as	ADP
ajis01-10050	60	11	a	a	DET
ajis01-10050	60	12	mediating	mediate	VERB
ajis01-10050	60	13	factor	factor	NOUN
ajis01-10050	60	14	in	in	ADP
ajis01-10050	60	15	the	the	DET
ajis01-10050	60	16	correlation	correlation	NOUN
ajis01-10050	60	17	between	between	ADP
ajis01-10050	60	18	subjective	subjective	ADJ
ajis01-10050	60	19	norms	norm	NOUN
ajis01-10050	60	20	and	and	CCONJ
ajis01-10050	60	21	the	the	DET
ajis01-10050	60	22	acceptance	acceptance	NOUN
ajis01-10050	60	23	of	of	ADP
ajis01-10050	60	24	fintech	fintech	NOUN
ajis01-10050	60	25	lending	lending	NOUN
ajis01-10050	60	26	among	among	ADP
ajis01-10050	60	27	millennials	millennial	NOUN
ajis01-10050	60	28	.	.	PUNCT
ajis01-10050	61	1	h4c	h4c	NOUN
ajis01-10050	61	2	.	.	PUNCT
ajis01-10050	62	1	financial	financial	ADJ
ajis01-10050	62	2	literacy	literacy	NOUN
ajis01-10050	62	3	can	can	AUX
ajis01-10050	62	4	also	also	ADV
ajis01-10050	62	5	play	play	VERB
ajis01-10050	62	6	a	a	DET
ajis01-10050	62	7	mediating	mediate	VERB
ajis01-10050	62	8	role	role	NOUN
ajis01-10050	62	9	in	in	ADP
ajis01-10050	62	10	the	the	DET
ajis01-10050	62	11	connection	connection	NOUN
ajis01-10050	62	12	between	between	ADP
ajis01-10050	62	13	perceived	perceive	VERB
ajis01-10050	62	14	control	control	NOUN
ajis01-10050	62	15	behaviour	behaviour	NOUN
ajis01-10050	62	16	and	and	CCONJ
ajis01-10050	62	17	the	the	DET
ajis01-10050	62	18	adoption	adoption	NOUN
ajis01-10050	62	19	of	of	ADP
ajis01-10050	62	20	fintech	fintech	NOUN
ajis01-10050	62	21	lending	lending	NOUN
ajis01-10050	62	22	by	by	ADP
ajis01-10050	62	23	the	the	DET
ajis01-10050	62	24	millennial	millennial	ADJ
ajis01-10050	62	25	generation	generation	NOUN
ajis01-10050	62	26	.	.	PUNCT
ajis01-10050	63	1	figure	figure	NOUN
ajis01-10050	63	2	1	1	NUM
ajis01-10050	63	3	.	.	PUNCT
ajis01-10050	63	4	research	research	NOUN
ajis01-10050	63	5	framework	framework	NOUN
ajis01-10050	63	6	the	the	DET
ajis01-10050	63	7	study	study	NOUN
ajis01-10050	63	8	focuses	focus	VERB
ajis01-10050	63	9	on	on	ADP
ajis01-10050	63	10	the	the	DET
ajis01-10050	63	11	financial	financial	ADJ
ajis01-10050	63	12	literacy	literacy	NOUN
ajis01-10050	63	13	of	of	ADP
ajis01-10050	63	14	millennials	millennial	NOUN
ajis01-10050	63	15	in	in	ADP
ajis01-10050	63	16	major	major	ADJ
ajis01-10050	63	17	indonesian	indonesian	ADJ
ajis01-10050	63	18	cities	city	NOUN
ajis01-10050	63	19	,	,	PUNCT
ajis01-10050	63	20	specifically	specifically	ADV
ajis01-10050	63	21	jakarta	jakarta	PROPN
ajis01-10050	63	22	,	,	PUNCT
ajis01-10050	63	23	bandung	bandung	PROPN
ajis01-10050	63	24	,	,	PUNCT
ajis01-10050	63	25	semarang	semarang	PROPN
ajis01-10050	63	26	,	,	PUNCT
ajis01-10050	63	27	yogyakarta	yogyakarta	PROPN
ajis01-10050	63	28	,	,	PUNCT
ajis01-10050	63	29	surabaya	surabaya	PROPN
ajis01-10050	63	30	,	,	PUNCT
ajis01-10050	63	31	and	and	CCONJ
ajis01-10050	63	32	malang	malang	PROPN
ajis01-10050	63	33	,	,	PUNCT
ajis01-10050	63	34	about	about	ADP
ajis01-10050	63	35	fintech	fintech	NOUN
ajis01-10050	63	36	lending	lending	NOUN
ajis01-10050	63	37	and	and	CCONJ
ajis01-10050	63	38	digital	digital	ADJ
ajis01-10050	63	39	finance	finance	NOUN
ajis01-10050	63	40	adoption	adoption	NOUN
ajis01-10050	63	41	behaviour	behaviour	NOUN
ajis01-10050	63	42	.	.	PUNCT
ajis01-10050	64	1	quantitative	quantitative	ADJ
ajis01-10050	64	2	techniques	technique	NOUN
ajis01-10050	64	3	are	be	AUX
ajis01-10050	64	4	used	use	VERB
ajis01-10050	64	5	to	to	PART
ajis01-10050	64	6	analyze	analyze	VERB
ajis01-10050	64	7	primary	primary	ADJ
ajis01-10050	64	8	data	datum	NOUN
ajis01-10050	64	9	collected	collect	VERB
ajis01-10050	64	10	through	through	ADP
ajis01-10050	64	11	self	self	NOUN
ajis01-10050	64	12	-	-	PUNCT
ajis01-10050	64	13	composed	compose	VERB
ajis01-10050	64	14	questionnaires	questionnaire	NOUN
ajis01-10050	64	15	distributed	distribute	VERB
ajis01-10050	64	16	via	via	ADP
ajis01-10050	64	17	digital	digital	ADJ
ajis01-10050	64	18	platforms	platform	NOUN
ajis01-10050	64	19	.	.	PUNCT
ajis01-10050	65	1	the	the	DET
ajis01-10050	65	2	sample	sample	NOUN
ajis01-10050	65	3	consists	consist	VERB
ajis01-10050	65	4	of	of	ADP
ajis01-10050	65	5	359	359	NUM
ajis01-10050	65	6	17	17	NUM
ajis01-10050	65	7	parichat	parichat	NOUN
ajis01-10050	65	8	sinlapates	sinlapate	NOUN
ajis01-10050	65	9	and	and	CCONJ
ajis01-10050	65	10	surachai	surachai	PROPN
ajis01-10050	65	11	chancharat	chancharat	PROPN
ajis01-10050	65	12	,	,	PUNCT
ajis01-10050	65	13	“	"	PUNCT
ajis01-10050	65	14	persistence	persistence	NOUN
ajis01-10050	65	15	and	and	CCONJ
ajis01-10050	65	16	volatility	volatility	NOUN
ajis01-10050	65	17	spillovers	spillover	NOUN
ajis01-10050	65	18	of	of	ADP
ajis01-10050	65	19	bitcoin	bitcoin	NOUN
ajis01-10050	65	20	to	to	ADP
ajis01-10050	65	21	other	other	ADJ
ajis01-10050	65	22	leading	lead	VERB
ajis01-10050	65	23	cryptocurrencies	cryptocurrencie	NOUN
ajis01-10050	65	24	:	:	PUNCT
ajis01-10050	65	25	a	a	DET
ajis01-10050	65	26	bekk	bekk	ADJ
ajis01-10050	65	27	-	-	PUNCT
ajis01-10050	65	28	garch	garch	NOUN
ajis01-10050	65	29	analysis	analysis	NOUN
ajis01-10050	65	30	,	,	PUNCT
ajis01-10050	65	31	”	"	PUNCT
ajis01-10050	65	32	foresight	foresight	NOUN
ajis01-10050	65	33	,	,	PUNCT
ajis01-10050	65	34	no	no	INTJ
ajis01-10050	65	35	.	.	PUNCT
ajis01-10050	65	36	june	june	PROPN
ajis01-10050	65	37	(	(	PUNCT
ajis01-10050	65	38	2023	2023	NUM
ajis01-10050	65	39	)	)	PUNCT
ajis01-10050	65	40	,	,	PUNCT
ajis01-10050	66	1	https://doi.org/10.1108/fs-09-2022-0100	https://doi.org/10.1108/fs-09-2022-0100	PROPN
ajis01-10050	66	2	.	.	PUNCT
ajis01-10050	67	1	m.	m.	NOUN
ajis01-10050	67	2	kurnia	kurnia	PROPN
ajis01-10050	68	1	rahman	rahman	PROPN
ajis01-10050	68	2	abadi	abadi	PROPN
ajis01-10050	68	3	:	:	PUNCT
ajis01-10050	68	4	indonesian	indonesian	ADJ
ajis01-10050	68	5	millennial	millennial	ADJ
ajis01-10050	68	6	’s	’s	PART
ajis01-10050	68	7	financial	financial	ADJ
ajis01-10050	68	8	behaviour	behaviour	NOUN
ajis01-10050	68	9	|	|	ADV
ajis01-10050	68	10	106	106	NUM
ajis01-10050	68	11	predominantly	predominantly	ADV
ajis01-10050	68	12	graduate	graduate	VERB
ajis01-10050	68	13	and	and	CCONJ
ajis01-10050	68	14	postgraduate	postgraduate	ADJ
ajis01-10050	68	15	respondents	respondent	NOUN
ajis01-10050	68	16	.	.	PUNCT
ajis01-10050	69	1	the	the	DET
ajis01-10050	69	2	study	study	NOUN
ajis01-10050	69	3	framework	framework	NOUN
ajis01-10050	69	4	incorporates	incorporate	VERB
ajis01-10050	69	5	four	four	NUM
ajis01-10050	69	6	factors	factor	NOUN
ajis01-10050	69	7	based	base	VERB
ajis01-10050	69	8	on	on	ADP
ajis01-10050	69	9	previous	previous	ADJ
ajis01-10050	69	10	research	research	NOUN
ajis01-10050	69	11	,	,	PUNCT
ajis01-10050	69	12	with	with	ADP
ajis01-10050	69	13	a	a	DET
ajis01-10050	69	14	systematic	systematic	ADJ
ajis01-10050	69	15	questionnaire	questionnaire	NOUN
ajis01-10050	69	16	and	and	CCONJ
ajis01-10050	69	17	sem	sem	NOUN
ajis01-10050	69	18	analysis	analysis	NOUN
ajis01-10050	69	19	using	use	VERB
ajis01-10050	69	20	amos	amos	PROPN
ajis01-10050	69	21	24	24	NUM
ajis01-10050	69	22	.	.	PUNCT
ajis01-10050	70	1	figure	figure	NOUN
ajis01-10050	70	2	1	1	NUM
ajis01-10050	70	3	illustrates	illustrate	VERB
ajis01-10050	70	4	the	the	DET
ajis01-10050	70	5	research	research	NOUN
ajis01-10050	70	6	framework	framework	NOUN
ajis01-10050	70	7	and	and	CCONJ
ajis01-10050	70	8	relationships	relationship	NOUN
ajis01-10050	70	9	between	between	ADP
ajis01-10050	70	10	variables	variable	NOUN
ajis01-10050	70	11	.	.	PUNCT
ajis01-10050	71	1	our	our	PRON
ajis01-10050	71	2	study	study	NOUN
ajis01-10050	71	3	targets	target	NOUN
ajis01-10050	71	4	to	to	PART
ajis01-10050	71	5	investigate	investigate	VERB
ajis01-10050	71	6	the	the	DET
ajis01-10050	71	7	effect	effect	NOUN
ajis01-10050	71	8	of	of	ADP
ajis01-10050	71	9	financial	financial	ADJ
ajis01-10050	71	10	behaviour	behaviour	NOUN
ajis01-10050	71	11	on	on	ADP
ajis01-10050	71	12	the	the	DET
ajis01-10050	71	13	interest	interest	NOUN
ajis01-10050	71	14	in	in	ADP
ajis01-10050	71	15	adopting	adopt	VERB
ajis01-10050	71	16	fintech	fintech	NOUN
ajis01-10050	71	17	lending	lending	NOUN
ajis01-10050	71	18	.	.	PUNCT
ajis01-10050	72	1	we	we	PRON
ajis01-10050	72	2	examine	examine	VERB
ajis01-10050	72	3	both	both	CCONJ
ajis01-10050	72	4	direct	direct	ADJ
ajis01-10050	72	5	and	and	CCONJ
ajis01-10050	72	6	indirect	indirect	ADJ
ajis01-10050	72	7	effects	effect	NOUN
ajis01-10050	72	8	,	,	PUNCT
ajis01-10050	72	9	with	with	ADP
ajis01-10050	72	10	the	the	DET
ajis01-10050	72	11	indirect	indirect	ADJ
ajis01-10050	72	12	outcome	outcome	NOUN
ajis01-10050	72	13	assessed	assess	VERB
ajis01-10050	72	14	through	through	ADP
ajis01-10050	72	15	millennials	millennial	NOUN
ajis01-10050	72	16	'	'	PART
ajis01-10050	72	17	financial	financial	ADJ
ajis01-10050	72	18	literacy	literacy	NOUN
ajis01-10050	72	19	as	as	ADP
ajis01-10050	72	20	a	a	DET
ajis01-10050	72	21	mediating	mediate	VERB
ajis01-10050	72	22	variable	variable	NOUN
ajis01-10050	72	23	.	.	PUNCT
ajis01-10050	73	1	our	our	PRON
ajis01-10050	73	2	research	research	NOUN
ajis01-10050	73	3	approach	approach	NOUN
ajis01-10050	73	4	is	be	AUX
ajis01-10050	73	5	empirical	empirical	ADJ
ajis01-10050	73	6	,	,	PUNCT
ajis01-10050	73	7	utilizing	utilize	VERB
ajis01-10050	73	8	various	various	ADJ
ajis01-10050	73	9	methods	method	NOUN
ajis01-10050	73	10	.	.	PUNCT
ajis01-10050	74	1	there	there	PRON
ajis01-10050	74	2	is	be	VERB
ajis01-10050	74	3	a	a	DET
ajis01-10050	74	4	scarcity	scarcity	NOUN
ajis01-10050	74	5	of	of	ADP
ajis01-10050	74	6	enquiries	enquiry	NOUN
ajis01-10050	74	7	on	on	ADP
ajis01-10050	74	8	financial	financial	ADJ
ajis01-10050	74	9	behaviour	behaviour	NOUN
ajis01-10050	74	10	and	and	CCONJ
ajis01-10050	74	11	financial	financial	ADJ
ajis01-10050	74	12	literacy	literacy	NOUN
ajis01-10050	74	13	in	in	ADP
ajis01-10050	74	14	the	the	DET
ajis01-10050	74	15	context	context	NOUN
ajis01-10050	74	16	of	of	ADP
ajis01-10050	74	17	fintech	fintech	NOUN
ajis01-10050	74	18	lending	lending	NOUN
ajis01-10050	74	19	among	among	ADP
ajis01-10050	74	20	millennials	millennial	NOUN
ajis01-10050	74	21	.	.	PUNCT
ajis01-10050	75	1	additionally	additionally	ADV
ajis01-10050	75	2	,	,	PUNCT
ajis01-10050	75	3	there	there	PRON
ajis01-10050	75	4	is	be	VERB
ajis01-10050	75	5	a	a	DET
ajis01-10050	75	6	lack	lack	NOUN
ajis01-10050	75	7	of	of	ADP
ajis01-10050	75	8	attempts	attempt	NOUN
ajis01-10050	75	9	to	to	PART
ajis01-10050	75	10	bridge	bridge	VERB
ajis01-10050	75	11	the	the	DET
ajis01-10050	75	12	generation	generation	NOUN
ajis01-10050	75	13	gap	gap	NOUN
ajis01-10050	75	14	in	in	ADP
ajis01-10050	75	15	existing	exist	VERB
ajis01-10050	75	16	research	research	NOUN
ajis01-10050	75	17	.	.	PUNCT
ajis01-10050	76	1	therefore	therefore	ADV
ajis01-10050	76	2	,	,	PUNCT
ajis01-10050	76	3	our	our	PRON
ajis01-10050	76	4	study	study	NOUN
ajis01-10050	76	5	differs	differ	VERB
ajis01-10050	76	6	from	from	ADP
ajis01-10050	76	7	previous	previous	ADJ
ajis01-10050	76	8	research	research	NOUN
ajis01-10050	76	9	in	in	ADP
ajis01-10050	76	10	several	several	ADJ
ajis01-10050	76	11	aspects	aspect	NOUN
ajis01-10050	76	12	.	.	PUNCT
ajis01-10050	77	1	firstly	firstly	ADV
ajis01-10050	77	2	,	,	PUNCT
ajis01-10050	77	3	we	we	PRON
ajis01-10050	77	4	adopt	adopt	VERB
ajis01-10050	77	5	a	a	DET
ajis01-10050	77	6	behavioural	behavioural	ADJ
ajis01-10050	77	7	finance	finance	NOUN
ajis01-10050	77	8	framework	framework	NOUN
ajis01-10050	77	9	to	to	PART
ajis01-10050	77	10	gain	gain	VERB
ajis01-10050	77	11	comprehensive	comprehensive	ADJ
ajis01-10050	77	12	insights	insight	NOUN
ajis01-10050	77	13	into	into	ADP
ajis01-10050	77	14	fintech	fintech	NOUN
ajis01-10050	77	15	lending	lending	NOUN
ajis01-10050	77	16	utilization	utilization	NOUN
ajis01-10050	77	17	.	.	PUNCT
ajis01-10050	78	1	secondly	secondly	ADV
ajis01-10050	78	2	,	,	PUNCT
ajis01-10050	78	3	we	we	PRON
ajis01-10050	78	4	categorize	categorize	VERB
ajis01-10050	78	5	the	the	DET
ajis01-10050	78	6	perceived	perceive	VERB
ajis01-10050	78	7	financial	financial	ADJ
ajis01-10050	78	8	literacy	literacy	NOUN
ajis01-10050	78	9	benefits	benefit	NOUN
ajis01-10050	78	10	of	of	ADP
ajis01-10050	78	11	millennials	millennial	NOUN
ajis01-10050	78	12	specifically	specifically	ADV
ajis01-10050	78	13	in	in	ADP
ajis01-10050	78	14	the	the	DET
ajis01-10050	78	15	context	context	NOUN
ajis01-10050	78	16	of	of	ADP
ajis01-10050	78	17	fintech	fintech	NOUN
ajis01-10050	78	18	lending	lending	NOUN
ajis01-10050	78	19	.	.	PUNCT
ajis01-10050	79	1	lastly	lastly	ADV
ajis01-10050	79	2	,	,	PUNCT
ajis01-10050	79	3	we	we	PRON
ajis01-10050	79	4	introduce	introduce	VERB
ajis01-10050	79	5	the	the	DET
ajis01-10050	79	6	concept	concept	NOUN
ajis01-10050	79	7	of	of	ADP
ajis01-10050	79	8	a	a	DET
ajis01-10050	79	9	generational	generational	ADJ
ajis01-10050	79	10	gap	gap	NOUN
ajis01-10050	79	11	in	in	ADP
ajis01-10050	79	12	fintech	fintech	NOUN
ajis01-10050	79	13	lending	lending	NOUN
ajis01-10050	79	14	adoption	adoption	NOUN
ajis01-10050	79	15	behaviour	behaviour	NOUN
ajis01-10050	79	16	.	.	PUNCT
ajis01-10050	80	1	by	by	ADP
ajis01-10050	80	2	addressing	address	VERB
ajis01-10050	80	3	these	these	DET
ajis01-10050	80	4	gaps	gap	NOUN
ajis01-10050	80	5	,	,	PUNCT
ajis01-10050	80	6	our	our	PRON
ajis01-10050	80	7	study	study	NOUN
ajis01-10050	80	8	objects	object	VERB
ajis01-10050	80	9	to	to	PART
ajis01-10050	80	10	deliver	deliver	VERB
ajis01-10050	80	11	valuable	valuable	ADJ
ajis01-10050	80	12	insights	insight	NOUN
ajis01-10050	80	13	into	into	ADP
ajis01-10050	80	14	the	the	DET
ajis01-10050	80	15	reasons	reason	NOUN
ajis01-10050	80	16	influencing	influence	VERB
ajis01-10050	80	17	the	the	DET
ajis01-10050	80	18	acceptance	acceptance	NOUN
ajis01-10050	80	19	of	of	ADP
ajis01-10050	80	20	fintech	fintech	NOUN
ajis01-10050	80	21	lending	lending	NOUN
ajis01-10050	80	22	and	and	CCONJ
ajis01-10050	80	23	underwrite	underwrite	VERB
ajis01-10050	80	24	to	to	ADP
ajis01-10050	80	25	the	the	DET
ajis01-10050	80	26	existing	exist	VERB
ajis01-10050	80	27	knowledge	knowledge	NOUN
ajis01-10050	80	28	in	in	ADP
ajis01-10050	80	29	this	this	DET
ajis01-10050	80	30	context	context	NOUN
ajis01-10050	80	31	,	,	PUNCT
ajis01-10050	80	32	particularly	particularly	ADV
ajis01-10050	80	33	in	in	ADP
ajis01-10050	80	34	indonesian	indonesian	ADJ
ajis01-10050	80	35	behavioural	behavioural	ADJ
ajis01-10050	80	36	control	control	NOUN
ajis01-10050	80	37	.	.	PUNCT
ajis01-10050	81	1	millennials	millennial	NOUN
ajis01-10050	81	2	are	be	AUX
ajis01-10050	81	3	known	know	VERB
ajis01-10050	81	4	for	for	ADP
ajis01-10050	81	5	their	their	PRON
ajis01-10050	81	6	adaptability	adaptability	NOUN
ajis01-10050	81	7	to	to	ADP
ajis01-10050	81	8	new	new	ADJ
ajis01-10050	81	9	technologies	technology	NOUN
ajis01-10050	81	10	,	,	PUNCT
ajis01-10050	81	11	making	make	VERB
ajis01-10050	81	12	them	they	PRON
ajis01-10050	81	13	an	an	DET
ajis01-10050	81	14	important	important	ADJ
ajis01-10050	81	15	group	group	NOUN
ajis01-10050	81	16	to	to	PART
ajis01-10050	81	17	study	study	VERB
ajis01-10050	81	18	in	in	ADP
ajis01-10050	81	19	the	the	DET
ajis01-10050	81	20	context	context	NOUN
ajis01-10050	81	21	of	of	ADP
ajis01-10050	81	22	fintech	fintech	NOUN
ajis01-10050	81	23	advancements	advancement	NOUN
ajis01-10050	81	24	.	.	PUNCT
ajis01-10050	82	1	result	result	NOUN
ajis01-10050	82	2	and	and	CCONJ
ajis01-10050	82	3	discussion	discussion	NOUN
ajis01-10050	82	4	to	to	PART
ajis01-10050	82	5	examine	examine	VERB
ajis01-10050	82	6	the	the	DET
ajis01-10050	82	7	research	research	NOUN
ajis01-10050	82	8	model	model	NOUN
ajis01-10050	82	9	,	,	PUNCT
ajis01-10050	82	10	structural	structural	ADJ
ajis01-10050	82	11	equation	equation	NOUN
ajis01-10050	82	12	modelling	modelling	NOUN
ajis01-10050	82	13	(	(	PUNCT
ajis01-10050	82	14	sem	sem	NOUN
ajis01-10050	82	15	)	)	PUNCT
ajis01-10050	82	16	was	be	AUX
ajis01-10050	82	17	accompanied	accompany	VERB
ajis01-10050	82	18	using	use	VERB
ajis01-10050	82	19	the	the	DET
ajis01-10050	82	20	amos	amos	PROPN
ajis01-10050	82	21	program	program	PROPN
ajis01-10050	82	22	.	.	PUNCT
ajis01-10050	83	1	as	as	SCONJ
ajis01-10050	83	2	seen	see	VERB
ajis01-10050	83	3	in	in	ADP
ajis01-10050	83	4	table	table	NOUN
ajis01-10050	83	5	3	3	NUM
ajis01-10050	83	6	,	,	PUNCT
ajis01-10050	83	7	the	the	DET
ajis01-10050	83	8	rmsea	rmsea	NOUN
ajis01-10050	83	9	value	value	NOUN
ajis01-10050	83	10	is	be	AUX
ajis01-10050	83	11	less	less	ADJ
ajis01-10050	83	12	than	than	ADP
ajis01-10050	83	13	0.05	0.05	NUM
ajis01-10050	83	14	,	,	PUNCT
ajis01-10050	83	15	while	while	SCONJ
ajis01-10050	83	16	the	the	DET
ajis01-10050	83	17	cmin	cmin	NOUN
ajis01-10050	83	18	/	/	SYM
ajis01-10050	83	19	df	df	PROPN
ajis01-10050	83	20	ratio	ratio	NOUN
ajis01-10050	83	21	is	be	AUX
ajis01-10050	83	22	less	less	ADJ
ajis01-10050	83	23	than	than	ADP
ajis01-10050	83	24	5	5	NUM
ajis01-10050	83	25	.	.	PUNCT
ajis01-10050	84	1	furthermore	furthermore	ADV
ajis01-10050	84	2	,	,	PUNCT
ajis01-10050	84	3	as	as	SCONJ
ajis01-10050	84	4	shown	show	VERB
ajis01-10050	84	5	in	in	ADP
ajis01-10050	84	6	figure	figure	NOUN
ajis01-10050	84	7	2	2	NUM
ajis01-10050	84	8	,	,	PUNCT
ajis01-10050	84	9	all	all	DET
ajis01-10050	84	10	other	other	ADJ
ajis01-10050	84	11	indicator	indicator	NOUN
ajis01-10050	84	12	values	value	NOUN
ajis01-10050	84	13	are	be	AUX
ajis01-10050	84	14	greater	great	ADJ
ajis01-10050	84	15	than	than	ADP
ajis01-10050	84	16	the	the	DET
ajis01-10050	84	17	threshold	threshold	NOUN
ajis01-10050	84	18	value	value	NOUN
ajis01-10050	84	19	of	of	ADP
ajis01-10050	84	20	0.90	0.90	NUM
ajis01-10050	84	21	.	.	PUNCT
ajis01-10050	85	1	all	all	DET
ajis01-10050	85	2	these	these	DET
ajis01-10050	85	3	values	value	NOUN
ajis01-10050	85	4	indicate	indicate	VERB
ajis01-10050	85	5	that	that	SCONJ
ajis01-10050	85	6	the	the	DET
ajis01-10050	85	7	specified	specified	ADJ
ajis01-10050	85	8	model	model	NOUN
ajis01-10050	85	9	is	be	AUX
ajis01-10050	85	10	appropriate	appropriate	ADJ
ajis01-10050	85	11	and	and	CCONJ
ajis01-10050	85	12	meaningful	meaningful	ADJ
ajis01-10050	85	13	.	.	PUNCT
ajis01-10050	86	1	table	table	NOUN
ajis01-10050	86	2	1	1	NUM
ajis01-10050	86	3	shows	show	VERB
ajis01-10050	86	4	that	that	SCONJ
ajis01-10050	86	5	there	there	PRON
ajis01-10050	86	6	is	be	VERB
ajis01-10050	86	7	a	a	DET
ajis01-10050	86	8	significant	significant	ADJ
ajis01-10050	86	9	association	association	NOUN
ajis01-10050	86	10	between	between	ADP
ajis01-10050	86	11	financial	financial	ADJ
ajis01-10050	86	12	literacy	literacy	NOUN
ajis01-10050	86	13	and	and	CCONJ
ajis01-10050	86	14	millennials	millennial	NOUN
ajis01-10050	86	15	'	'	PART
ajis01-10050	86	16	intention	intention	NOUN
ajis01-10050	86	17	to	to	PART
ajis01-10050	86	18	adopt	adopt	VERB
ajis01-10050	86	19	fintech	fintech	NOUN
ajis01-10050	86	20	lending	lending	NOUN
ajis01-10050	86	21	.	.	PUNCT
ajis01-10050	87	1	this	this	PRON
ajis01-10050	87	2	confirms	confirm	VERB
ajis01-10050	87	3	that	that	SCONJ
ajis01-10050	87	4	107	107	NUM
ajis01-10050	87	5	|	|	ADV
ajis01-10050	87	6	ajis	ajis	ADV
ajis01-10050	87	7	:	:	PUNCT
ajis01-10050	87	8	academic	academic	ADJ
ajis01-10050	87	9	journal	journal	NOUN
ajis01-10050	87	10	of	of	ADP
ajis01-10050	87	11	islamic	islamic	PROPN
ajis01-10050	87	12	studies	study	NOUN
ajis01-10050	87	13	,	,	PUNCT
ajis01-10050	87	14	vol	vol	NOUN
ajis01-10050	87	15	.	.	PROPN
ajis01-10050	87	16	9	9	NUM
ajis01-10050	87	17	,	,	PUNCT
ajis01-10050	87	18	no	no	INTJ
ajis01-10050	87	19	.	.	NOUN
ajis01-10050	87	20	1	1	NUM
ajis01-10050	87	21	,	,	PUNCT
ajis01-10050	87	22	2024	2024	NUM
ajis01-10050	87	23	h1	h1	PROPN
ajis01-10050	87	24	,	,	PUNCT
ajis01-10050	87	25	h2	h2	NOUN
ajis01-10050	87	26	,	,	PUNCT
ajis01-10050	87	27	and	and	CCONJ
ajis01-10050	87	28	h3	h3	NOUN
ajis01-10050	87	29	do	do	AUX
ajis01-10050	87	30	not	not	PART
ajis01-10050	87	31	have	have	VERB
ajis01-10050	87	32	a	a	DET
ajis01-10050	87	33	significant	significant	ADJ
ajis01-10050	87	34	association	association	NOUN
ajis01-10050	87	35	with	with	ADP
ajis01-10050	87	36	millennials	millennial	NOUN
ajis01-10050	87	37	'	'	PART
ajis01-10050	87	38	inclination	inclination	NOUN
ajis01-10050	87	39	to	to	PART
ajis01-10050	87	40	utilise	utilise	VERB
ajis01-10050	87	41	fintech	fintech	NOUN
ajis01-10050	87	42	financing	financing	NOUN
ajis01-10050	87	43	.	.	PUNCT
ajis01-10050	88	1	this	this	PRON
ajis01-10050	88	2	occurred	occur	VERB
ajis01-10050	88	3	because	because	SCONJ
ajis01-10050	88	4	the	the	DET
ajis01-10050	88	5	significance	significance	NOUN
ajis01-10050	88	6	of	of	ADP
ajis01-10050	88	7	the	the	DET
ajis01-10050	88	8	three	three	NUM
ajis01-10050	88	9	was	be	AUX
ajis01-10050	88	10	more	more	ADJ
ajis01-10050	88	11	than	than	ADP
ajis01-10050	88	12	0.05	0.05	NUM
ajis01-10050	88	13	.	.	PUNCT
ajis01-10050	89	1	figure	figure	NOUN
ajis01-10050	89	2	2	2	NUM
ajis01-10050	89	3	.	.	PUNCT
ajis01-10050	89	4	result	result	NOUN
ajis01-10050	89	5	of	of	ADP
ajis01-10050	89	6	sem	sem	NOUN
ajis01-10050	89	7	there	there	PRON
ajis01-10050	89	8	is	be	VERB
ajis01-10050	89	9	a	a	DET
ajis01-10050	89	10	lack	lack	NOUN
ajis01-10050	89	11	of	of	ADP
ajis01-10050	89	12	studies	study	NOUN
ajis01-10050	89	13	with	with	ADP
ajis01-10050	89	14	similar	similar	ADJ
ajis01-10050	89	15	findings	finding	NOUN
ajis01-10050	89	16	in	in	ADP
ajis01-10050	89	17	hypothesis	hypothesis	NOUN
ajis01-10050	89	18	development	development	NOUN
ajis01-10050	89	19	.	.	PUNCT
ajis01-10050	90	1	our	our	PRON
ajis01-10050	90	2	interpretation	interpretation	NOUN
ajis01-10050	90	3	aligns	align	VERB
ajis01-10050	90	4	with	with	ADP
ajis01-10050	90	5	previous	previous	ADJ
ajis01-10050	90	6	studies	study	NOUN
ajis01-10050	90	7	reporting	report	VERB
ajis01-10050	90	8	comparable	comparable	ADJ
ajis01-10050	90	9	outcomes	outcome	NOUN
ajis01-10050	90	10	.	.	PUNCT
ajis01-10050	91	1	attitude	attitude	NOUN
ajis01-10050	91	2	does	do	AUX
ajis01-10050	91	3	not	not	PART
ajis01-10050	91	4	affect	affect	VERB
ajis01-10050	91	5	financial	financial	ADJ
ajis01-10050	91	6	literacy	literacy	NOUN
ajis01-10050	91	7	.	.	PUNCT
ajis01-10050	92	1	in	in	ADP
ajis01-10050	92	2	indonesia	indonesia	PROPN
ajis01-10050	92	3	,	,	PUNCT
ajis01-10050	92	4	influenced	influence	VERB
ajis01-10050	92	5	by	by	ADP
ajis01-10050	92	6	eastern	eastern	ADJ
ajis01-10050	92	7	values	value	NOUN
ajis01-10050	92	8	,	,	PUNCT
ajis01-10050	92	9	individuals	individual	NOUN
ajis01-10050	92	10	with	with	ADP
ajis01-10050	92	11	a	a	DET
ajis01-10050	92	12	collectivist	collectivist	ADJ
ajis01-10050	92	13	mindset	mindset	NOUN
ajis01-10050	92	14	approach	approach	VERB
ajis01-10050	92	15	new	new	ADJ
ajis01-10050	92	16	products	product	NOUN
ajis01-10050	92	17	cautiously	cautiously	ADV
ajis01-10050	92	18	,	,	PUNCT
ajis01-10050	92	19	similar	similar	ADJ
ajis01-10050	92	20	to	to	ADP
ajis01-10050	92	21	millennials	millennial	NOUN
ajis01-10050	92	22	.	.	PUNCT
ajis01-10050	93	1	thus	thus	ADV
ajis01-10050	93	2	,	,	PUNCT
ajis01-10050	93	3	the	the	DET
ajis01-10050	93	4	bootstrapping	bootstrappe	VERB
ajis01-10050	93	5	technique	technique	NOUN
ajis01-10050	93	6	using	use	VERB
ajis01-10050	93	7	amos	amos	PROPN
ajis01-10050	93	8	24	24	NUM
ajis01-10050	93	9	was	be	AUX
ajis01-10050	93	10	used	use	VERB
ajis01-10050	93	11	to	to	PART
ajis01-10050	93	12	determine	determine	VERB
ajis01-10050	93	13	the	the	DET
ajis01-10050	93	14	mediating	mediate	VERB
ajis01-10050	93	15	influence	influence	NOUN
ajis01-10050	93	16	of	of	ADP
ajis01-10050	93	17	attitude	attitude	NOUN
ajis01-10050	93	18	on	on	ADP
ajis01-10050	93	19	the	the	DET
ajis01-10050	93	20	intention	intention	NOUN
ajis01-10050	93	21	to	to	PART
ajis01-10050	93	22	utilize	utilize	VERB
ajis01-10050	93	23	fintech	fintech	NOUN
ajis01-10050	93	24	lending	lending	NOUN
ajis01-10050	93	25	.	.	PUNCT
ajis01-10050	94	1	the	the	DET
ajis01-10050	94	2	findings	finding	NOUN
ajis01-10050	94	3	are	be	AUX
ajis01-10050	94	4	that	that	SCONJ
ajis01-10050	94	5	the	the	DET
ajis01-10050	94	6	indirect	indirect	ADJ
ajis01-10050	94	7	effect	effect	NOUN
ajis01-10050	94	8	between	between	ADP
ajis01-10050	94	9	attitude	attitude	NOUN
ajis01-10050	94	10	and	and	CCONJ
ajis01-10050	94	11	intention	intention	NOUN
ajis01-10050	94	12	was	be	AUX
ajis01-10050	94	13	found	find	VERB
ajis01-10050	94	14	to	to	PART
ajis01-10050	94	15	be	be	AUX
ajis01-10050	94	16	0.083	0.083	NUM
ajis01-10050	94	17	,	,	PUNCT
ajis01-10050	94	18	with	with	ADP
ajis01-10050	94	19	a	a	DET
ajis01-10050	94	20	95	95	NUM
ajis01-10050	94	21	%	%	NOUN
ajis01-10050	94	22	confidence	confidence	NOUN
ajis01-10050	94	23	interval	interval	NOUN
ajis01-10050	94	24	of	of	ADP
ajis01-10050	94	25	0.037	0.037	NUM
ajis01-10050	94	26	to	to	ADP
ajis01-10050	94	27	0.131	0.131	NUM
ajis01-10050	94	28	,	,	PUNCT
ajis01-10050	94	29	indicating	indicate	VERB
ajis01-10050	94	30	statistical	statistical	ADJ
ajis01-10050	94	31	significance	significance	NOUN
ajis01-10050	94	32	.	.	PUNCT
ajis01-10050	95	1	similarly	similarly	ADV
ajis01-10050	95	2	,	,	PUNCT
ajis01-10050	95	3	the	the	DET
ajis01-10050	95	4	indirect	indirect	ADJ
ajis01-10050	95	5	effect	effect	NOUN
ajis01-10050	95	6	between	between	ADP
ajis01-10050	95	7	subjective	subjective	ADJ
ajis01-10050	95	8	norms	norm	NOUN
ajis01-10050	95	9	and	and	CCONJ
ajis01-10050	95	10	intention	intention	NOUN
ajis01-10050	95	11	was	be	AUX
ajis01-10050	95	12	determined	determine	VERB
ajis01-10050	95	13	to	to	PART
ajis01-10050	95	14	be	be	AUX
ajis01-10050	95	15	0.072	0.072	NUM
ajis01-10050	95	16	,	,	PUNCT
ajis01-10050	95	17	with	with	ADP
ajis01-10050	95	18	a	a	DET
ajis01-10050	95	19	confidence	confidence	NOUN
ajis01-10050	95	20	interval	interval	NOUN
ajis01-10050	95	21	of	of	ADP
ajis01-10050	95	22	0.021	0.021	NUM
ajis01-10050	95	23	to	to	ADP
ajis01-10050	95	24	0.124	0.124	NUM
ajis01-10050	95	25	.	.	PUNCT
ajis01-10050	96	1	also	also	ADV
ajis01-10050	96	2	,	,	PUNCT
ajis01-10050	96	3	the	the	DET
ajis01-10050	96	4	indirect	indirect	ADJ
ajis01-10050	96	5	effect	effect	NOUN
ajis01-10050	96	6	between	between	ADP
ajis01-10050	96	7	perceived	perceive	VERB
ajis01-10050	96	8	control	control	NOUN
ajis01-10050	96	9	behaviour	behaviour	NOUN
ajis01-10050	96	10	and	and	CCONJ
ajis01-10050	96	11	intention	intention	NOUN
ajis01-10050	96	12	was	be	AUX
ajis01-10050	96	13	found	find	VERB
ajis01-10050	96	14	to	to	PART
ajis01-10050	96	15	be	be	AUX
ajis01-10050	96	16	0.106	0.106	NUM
ajis01-10050	96	17	,	,	PUNCT
ajis01-10050	96	18	with	with	ADP
ajis01-10050	96	19	a	a	DET
ajis01-10050	96	20	confidence	confidence	NOUN
ajis01-10050	96	21	interval	interval	NOUN
ajis01-10050	96	22	of	of	ADP
ajis01-10050	96	23	0.057	0.057	NUM
ajis01-10050	96	24	to	to	ADP
ajis01-10050	96	25	0.158	0.158	NUM
ajis01-10050	96	26	.	.	PUNCT
ajis01-10050	97	1	overall	overall	ADV
ajis01-10050	97	2	,	,	PUNCT
ajis01-10050	97	3	the	the	DET
ajis01-10050	97	4	mediating	mediate	VERB
ajis01-10050	97	5	effect	effect	NOUN
ajis01-10050	97	6	of	of	ADP
ajis01-10050	97	7	financial	financial	ADJ
ajis01-10050	97	8	m.	m.	NOUN
ajis01-10050	97	9	kurnia	kurnia	PROPN
ajis01-10050	97	10	rahman	rahman	PROPN
ajis01-10050	97	11	abadi	abadi	PROPN
ajis01-10050	97	12	:	:	PUNCT
ajis01-10050	97	13	indonesian	indonesian	ADJ
ajis01-10050	97	14	millennial	millennial	ADJ
ajis01-10050	97	15	’s	’s	PART
ajis01-10050	97	16	financial	financial	ADJ
ajis01-10050	97	17	behaviour	behaviour	NOUN
ajis01-10050	97	18	|	|	ADV
ajis01-10050	97	19	108	108	NUM
ajis01-10050	97	20	behaviour	behaviour	NOUN
ajis01-10050	97	21	,	,	PUNCT
ajis01-10050	97	22	as	as	SCONJ
ajis01-10050	97	23	measured	measure	VERB
ajis01-10050	97	24	by	by	ADP
ajis01-10050	97	25	the	the	DET
ajis01-10050	97	26	theory	theory	NOUN
ajis01-10050	97	27	of	of	ADP
ajis01-10050	97	28	planned	plan	VERB
ajis01-10050	97	29	behaviour	behaviour	NOUN
ajis01-10050	97	30	,	,	PUNCT
ajis01-10050	97	31	was	be	AUX
ajis01-10050	97	32	found	find	VERB
ajis01-10050	97	33	to	to	PART
ajis01-10050	97	34	be	be	AUX
ajis01-10050	97	35	significant	significant	ADJ
ajis01-10050	97	36	for	for	ADP
ajis01-10050	97	37	the	the	DET
ajis01-10050	97	38	other	other	ADJ
ajis01-10050	97	39	variables	variable	NOUN
ajis01-10050	97	40	.	.	PUNCT
ajis01-10050	98	1	as	as	SCONJ
ajis01-10050	98	2	stated	state	VERB
ajis01-10050	98	3	in	in	ADP
ajis01-10050	98	4	the	the	DET
ajis01-10050	98	5	research	research	NOUN
ajis01-10050	98	6	objectives	objective	NOUN
ajis01-10050	98	7	,	,	PUNCT
ajis01-10050	98	8	there	there	PRON
ajis01-10050	98	9	is	be	VERB
ajis01-10050	98	10	little	little	ADJ
ajis01-10050	98	11	research	research	NOUN
ajis01-10050	98	12	examining	examine	VERB
ajis01-10050	98	13	the	the	DET
ajis01-10050	98	14	influence	influence	NOUN
ajis01-10050	98	15	of	of	ADP
ajis01-10050	98	16	financial	financial	ADJ
ajis01-10050	98	17	behaviour	behaviour	NOUN
ajis01-10050	98	18	with	with	ADP
ajis01-10050	98	19	the	the	DET
ajis01-10050	98	20	theory	theory	NOUN
ajis01-10050	98	21	of	of	ADP
ajis01-10050	98	22	planned	plan	VERB
ajis01-10050	98	23	behaviour	behaviour	NOUN
ajis01-10050	98	24	on	on	ADP
ajis01-10050	98	25	the	the	DET
ajis01-10050	98	26	intention	intention	NOUN
ajis01-10050	98	27	to	to	PART
ajis01-10050	98	28	use	use	VERB
ajis01-10050	98	29	fintech	fintech	NOUN
ajis01-10050	98	30	lending	lending	NOUN
ajis01-10050	98	31	for	for	ADP
ajis01-10050	98	32	millennials	millennial	NOUN
ajis01-10050	98	33	.	.	PUNCT
ajis01-10050	99	1	to	to	PART
ajis01-10050	99	2	investigate	investigate	VERB
ajis01-10050	99	3	potential	potential	ADJ
ajis01-10050	99	4	differences	difference	NOUN
ajis01-10050	99	5	in	in	ADP
ajis01-10050	99	6	individual	individual	ADJ
ajis01-10050	99	7	financial	financial	ADJ
ajis01-10050	99	8	behaviour	behaviour	NOUN
ajis01-10050	99	9	and	and	CCONJ
ajis01-10050	99	10	intention	intention	NOUN
ajis01-10050	99	11	to	to	PART
ajis01-10050	99	12	use	use	VERB
ajis01-10050	99	13	fintech	fintech	NOUN
ajis01-10050	99	14	lending	lending	NOUN
ajis01-10050	99	15	based	base	VERB
ajis01-10050	99	16	on	on	ADP
ajis01-10050	99	17	demographic	demographic	ADJ
ajis01-10050	99	18	variables	variable	NOUN
ajis01-10050	99	19	,	,	PUNCT
ajis01-10050	99	20	we	we	PRON
ajis01-10050	99	21	conducted	conduct	VERB
ajis01-10050	99	22	a	a	DET
ajis01-10050	99	23	series	series	NOUN
ajis01-10050	99	24	of	of	ADP
ajis01-10050	99	25	five	five	NUM
ajis01-10050	99	26	anova	anova	PROPN
ajis01-10050	99	27	analyses	analysis	NOUN
ajis01-10050	99	28	.	.	PUNCT
ajis01-10050	100	1	these	these	DET
ajis01-10050	100	2	analyses	analysis	NOUN
ajis01-10050	100	3	focused	focus	VERB
ajis01-10050	100	4	on	on	ADP
ajis01-10050	100	5	three	three	NUM
ajis01-10050	100	6	specific	specific	ADJ
ajis01-10050	100	7	financial	financial	ADJ
ajis01-10050	100	8	behaviours	behaviour	NOUN
ajis01-10050	100	9	,	,	PUNCT
ajis01-10050	100	10	financial	financial	ADJ
ajis01-10050	100	11	literacy	literacy	NOUN
ajis01-10050	100	12	,	,	PUNCT
ajis01-10050	100	13	and	and	CCONJ
ajis01-10050	100	14	intention	intention	NOUN
ajis01-10050	100	15	to	to	PART
ajis01-10050	100	16	use	use	VERB
ajis01-10050	100	17	fintech	fintech	NOUN
ajis01-10050	100	18	lending	lending	NOUN
ajis01-10050	100	19	.	.	PUNCT
ajis01-10050	101	1	additionally	additionally	ADV
ajis01-10050	101	2	,	,	PUNCT
ajis01-10050	101	3	we	we	PRON
ajis01-10050	101	4	utilized	utilize	VERB
ajis01-10050	101	5	duncan	duncan	NOUN
ajis01-10050	101	6	tests	test	VERB
ajis01-10050	101	7	to	to	PART
ajis01-10050	101	8	further	far	ADV
ajis01-10050	101	9	explore	explore	VERB
ajis01-10050	101	10	any	any	DET
ajis01-10050	101	11	significant	significant	ADJ
ajis01-10050	101	12	differences	difference	NOUN
ajis01-10050	101	13	found	find	VERB
ajis01-10050	101	14	about	about	ADP
ajis01-10050	101	15	age	age	NOUN
ajis01-10050	101	16	.	.	PUNCT
ajis01-10050	102	1	differentiation	differentiation	NOUN
ajis01-10050	102	2	by	by	ADP
ajis01-10050	102	3	education	education	NOUN
ajis01-10050	102	4	level	level	NOUN
ajis01-10050	102	5	only	only	ADV
ajis01-10050	102	6	arises	arise	VERB
ajis01-10050	102	7	in	in	ADP
ajis01-10050	102	8	perceived	perceive	VERB
ajis01-10050	102	9	control	control	NOUN
ajis01-10050	102	10	behaviour	behaviour	NOUN
ajis01-10050	102	11	.	.	PUNCT
ajis01-10050	103	1	in	in	ADP
ajis01-10050	103	2	this	this	DET
ajis01-10050	103	3	financial	financial	ADJ
ajis01-10050	103	4	behaviour	behaviour	NOUN
ajis01-10050	103	5	,	,	PUNCT
ajis01-10050	103	6	it	it	PRON
ajis01-10050	103	7	has	have	AUX
ajis01-10050	103	8	been	be	AUX
ajis01-10050	103	9	observed	observe	VERB
ajis01-10050	103	10	that	that	SCONJ
ajis01-10050	103	11	individuals	individual	NOUN
ajis01-10050	103	12	with	with	ADP
ajis01-10050	103	13	the	the	DET
ajis01-10050	103	14	least	least	ADJ
ajis01-10050	103	15	amount	amount	NOUN
ajis01-10050	103	16	of	of	ADP
ajis01-10050	103	17	education	education	NOUN
ajis01-10050	103	18	,	,	PUNCT
ajis01-10050	103	19	specifically	specifically	ADV
ajis01-10050	103	20	those	those	PRON
ajis01-10050	103	21	who	who	PRON
ajis01-10050	103	22	have	have	AUX
ajis01-10050	103	23	completed	complete	VERB
ajis01-10050	103	24	primary	primary	ADJ
ajis01-10050	103	25	school	school	NOUN
ajis01-10050	103	26	,	,	PUNCT
ajis01-10050	103	27	exhibit	exhibit	VERB
ajis01-10050	103	28	a	a	DET
ajis01-10050	103	29	higher	high	ADJ
ajis01-10050	103	30	level	level	NOUN
ajis01-10050	103	31	of	of	ADP
ajis01-10050	103	32	perceived	perceive	VERB
ajis01-10050	103	33	control	control	NOUN
ajis01-10050	103	34	behaviour	behaviour	NOUN
ajis01-10050	103	35	.	.	PUNCT
ajis01-10050	104	1	to	to	PART
ajis01-10050	104	2	investigate	investigate	VERB
ajis01-10050	104	3	potential	potential	ADJ
ajis01-10050	104	4	disparities	disparity	NOUN
ajis01-10050	104	5	based	base	VERB
ajis01-10050	104	6	on	on	ADP
ajis01-10050	104	7	gender	gender	NOUN
ajis01-10050	104	8	,	,	PUNCT
ajis01-10050	104	9	independent	independent	ADJ
ajis01-10050	104	10	sample	sample	NOUN
ajis01-10050	104	11	t	t	PROPN
ajis01-10050	104	12	-	-	PUNCT
ajis01-10050	104	13	tests	test	NOUN
ajis01-10050	104	14	were	be	AUX
ajis01-10050	104	15	employed	employ	VERB
ajis01-10050	104	16	as	as	ADP
ajis01-10050	104	17	a	a	DET
ajis01-10050	104	18	statistical	statistical	ADJ
ajis01-10050	104	19	method	method	NOUN
ajis01-10050	104	20	due	due	ADP
ajis01-10050	104	21	to	to	ADP
ajis01-10050	104	22	the	the	DET
ajis01-10050	104	23	presence	presence	NOUN
ajis01-10050	104	24	of	of	ADP
ajis01-10050	104	25	two	two	NUM
ajis01-10050	104	26	distinct	distinct	ADJ
ajis01-10050	104	27	dimensions	dimension	NOUN
ajis01-10050	104	28	.	.	PUNCT
ajis01-10050	105	1	attitudes	attitude	NOUN
ajis01-10050	105	2	and	and	CCONJ
ajis01-10050	105	3	subjective	subjective	ADJ
ajis01-10050	105	4	norms	norm	NOUN
ajis01-10050	105	5	did	do	AUX
ajis01-10050	105	6	not	not	PART
ajis01-10050	105	7	differ	differ	VERB
ajis01-10050	105	8	by	by	ADP
ajis01-10050	105	9	gender	gender	NOUN
ajis01-10050	105	10	.	.	PUNCT
ajis01-10050	106	1	on	on	ADP
ajis01-10050	106	2	the	the	DET
ajis01-10050	106	3	other	other	ADJ
ajis01-10050	106	4	hand	hand	NOUN
ajis01-10050	106	5	,	,	PUNCT
ajis01-10050	106	6	intention	intention	NOUN
ajis01-10050	106	7	to	to	PART
ajis01-10050	106	8	use	use	VERB
ajis01-10050	106	9	fintech	fintech	NOUN
ajis01-10050	106	10	lending	lending	NOUN
ajis01-10050	106	11	,	,	PUNCT
ajis01-10050	106	12	among	among	ADP
ajis01-10050	106	13	males	male	NOUN
ajis01-10050	106	14	was	be	AUX
ajis01-10050	106	15	higher	high	ADJ
ajis01-10050	106	16	than	than	ADP
ajis01-10050	106	17	females	female	NOUN
ajis01-10050	106	18	.	.	PUNCT
ajis01-10050	107	1	table	table	NOUN
ajis01-10050	107	2	1	1	NUM
ajis01-10050	107	3	.	.	PUNCT
ajis01-10050	108	1	the	the	DET
ajis01-10050	108	2	mediation	mediation	NOUN
ajis01-10050	108	3	effect	effect	NOUN
ajis01-10050	108	4	of	of	ADP
ajis01-10050	108	5	financial	financial	ADJ
ajis01-10050	108	6	behaviour	behaviour	NOUN
ajis01-10050	108	7	on	on	ADP
ajis01-10050	108	8	the	the	DET
ajis01-10050	108	9	effect	effect	NOUN
ajis01-10050	108	10	of	of	ADP
ajis01-10050	108	11	financial	financial	ADJ
ajis01-10050	108	12	literacy	literacy	NOUN
ajis01-10050	108	13	on	on	ADP
ajis01-10050	108	14	the	the	DET
ajis01-10050	108	15	intention	intention	NOUN
ajis01-10050	108	16	to	to	PART
ajis01-10050	108	17	use	use	VERB
ajis01-10050	108	18	estimate	estimate	NOUN
ajis01-10050	108	19	s.e	s.e	PROPN
ajis01-10050	108	20	.	.	PROPN
ajis01-10050	108	21	c.r	c.r	PROPN
ajis01-10050	108	22	.	.	PUNCT
ajis01-10050	109	1	p	p	PROPN
ajis01-10050	109	2	fl	fl	NUM
ajis01-10050	109	3	<	<	X
ajis01-10050	109	4	--att	--att	NOUN
ajis01-10050	109	5	-0,034	-0,034	NOUN
ajis01-10050	109	6	0,173	0,173	NUM
ajis01-10050	109	7	-0,199	-0,199	NOUN
ajis01-10050	109	8	0,843	0,843	NUM
ajis01-10050	110	1	att	att	PROPN
ajis01-10050	110	2	<	<	X
ajis01-10050	110	3	--iu	--iu	PROPN
ajis01-10050	110	4	0,179	0,179	NUM
ajis01-10050	110	5	0,042	0,042	NUM
ajis01-10050	110	6	0,669	0,669	NUM
ajis01-10050	110	7	0,331	0,331	NUM
ajis01-10050	110	8	indirect	indirect	ADJ
ajis01-10050	110	9	effect	effect	NOUN
ajis01-10050	110	10	0.083	0.083	NUM
ajis01-10050	110	11	(	(	PUNCT
ajis01-10050	110	12	0.037	0.037	NUM
ajis01-10050	110	13	0.131	0.131	NUM
ajis01-10050	110	14	)	)	PUNCT
ajis01-10050	110	15	fl	fl	ADP
ajis01-10050	110	16	<	<	X
ajis01-10050	110	17	--sn	--sn	X
ajis01-10050	110	18	-0,15	-0,15	PROPN
ajis01-10050	110	19	0,495	0,495	NUM
ajis01-10050	110	20	-0,303	-0,303	NOUN
ajis01-10050	110	21	0,762	0,762	NUM
ajis01-10050	110	22	sn	sn	PROPN
ajis01-10050	110	23	<	<	X
ajis01-10050	110	24	--iu	--iu	NOUN
ajis01-10050	110	25	0,116	0,116	NUM
ajis01-10050	110	26	0,030	0,030	NUM
ajis01-10050	110	27	0,581	0,581	NUM
ajis01-10050	110	28	0,214	0,214	NUM
ajis01-10050	110	29	indirect	indirect	ADJ
ajis01-10050	110	30	effect	effect	NOUN
ajis01-10050	110	31	0.072	0.072	NUM
ajis01-10050	110	32	(	(	PUNCT
ajis01-10050	110	33	0.021	0.021	NUM
ajis01-10050	110	34	0.124	0.124	NUM
ajis01-10050	110	35	)	)	PUNCT
ajis01-10050	110	36	fl	fl	ADP
ajis01-10050	110	37	<	<	X
ajis01-10050	110	38	--pcb	--pcb	PROPN
ajis01-10050	110	39	1,683	1,683	NUM
ajis01-10050	110	40	1,052	1,052	NUM
ajis01-10050	110	41	1,599	1,599	NUM
ajis01-10050	110	42	0,115	0,115	NUM
ajis01-10050	110	43	pcb	pcb	NOUN
ajis01-10050	110	44	<	<	X
ajis01-10050	110	45	--iu	--iu	NOUN
ajis01-10050	110	46	0,128	0,128	NUM
ajis01-10050	110	47	1.002	1.002	NUM
ajis01-10050	110	48	1,203	1,203	NUM
ajis01-10050	110	49	0,209	0,209	NUM
ajis01-10050	110	50	indirect	indirect	ADJ
ajis01-10050	110	51	effect	effect	NOUN
ajis01-10050	110	52	0.106	0.106	NUM
ajis01-10050	110	53	(	(	PUNCT
ajis01-10050	110	54	0.057	0.057	NUM
ajis01-10050	110	55	0.158	0.158	NUM
ajis01-10050	110	56	)	)	PUNCT
ajis01-10050	110	57	109	109	NUM
ajis01-10050	111	1	|	|	ADV
ajis01-10050	111	2	ajis	ajis	ADV
ajis01-10050	111	3	:	:	PUNCT
ajis01-10050	111	4	academic	academic	ADJ
ajis01-10050	111	5	journal	journal	NOUN
ajis01-10050	111	6	of	of	ADP
ajis01-10050	111	7	islamic	islamic	PROPN
ajis01-10050	111	8	studies	study	NOUN
ajis01-10050	111	9	,	,	PUNCT
ajis01-10050	111	10	vol	vol	NOUN
ajis01-10050	111	11	.	.	PROPN
ajis01-10050	112	1	9	9	NUM
ajis01-10050	112	2	,	,	PUNCT
ajis01-10050	112	3	no	no	INTJ
ajis01-10050	112	4	.	.	NOUN
ajis01-10050	112	5	1	1	NUM
ajis01-10050	112	6	,	,	PUNCT
ajis01-10050	112	7	2024	2024	NUM
ajis01-10050	112	8	discussion	discussion	NOUN
ajis01-10050	112	9	although	although	SCONJ
ajis01-10050	112	10	usage	usage	NOUN
ajis01-10050	112	11	intention	intention	NOUN
ajis01-10050	112	12	and	and	CCONJ
ajis01-10050	112	13	risk	risk	NOUN
ajis01-10050	112	14	-	-	PUNCT
ajis01-10050	112	15	taking	taking	NOUN
ajis01-10050	112	16	are	be	AUX
ajis01-10050	112	17	related	relate	VERB
ajis01-10050	112	18	,	,	PUNCT
ajis01-10050	112	19	they	they	PRON
ajis01-10050	112	20	are	be	AUX
ajis01-10050	112	21	separate	separate	ADJ
ajis01-10050	112	22	concepts	concept	NOUN
ajis01-10050	112	23	.	.	PUNCT
ajis01-10050	113	1	cal	cal	PROPN
ajis01-10050	113	2	and	and	CCONJ
ajis01-10050	113	3	lambkin	lambkin	PROPN
ajis01-10050	113	4	found	find	VERB
ajis01-10050	113	5	that	that	SCONJ
ajis01-10050	113	6	persons	person	NOUN
ajis01-10050	113	7	have	have	VERB
ajis01-10050	113	8	dissimilar	dissimilar	ADJ
ajis01-10050	113	9	levels	level	NOUN
ajis01-10050	113	10	of	of	ADP
ajis01-10050	113	11	risk	risk	NOUN
ajis01-10050	113	12	recognition	recognition	NOUN
ajis01-10050	113	13	in	in	ADP
ajis01-10050	113	14	various	various	ADJ
ajis01-10050	113	15	areas	area	NOUN
ajis01-10050	113	16	,	,	PUNCT
ajis01-10050	113	17	such	such	ADJ
ajis01-10050	113	18	as	as	ADP
ajis01-10050	113	19	finance	finance	NOUN
ajis01-10050	113	20	,	,	PUNCT
ajis01-10050	113	21	social	social	ADJ
ajis01-10050	113	22	interactions	interaction	NOUN
ajis01-10050	113	23	,	,	PUNCT
ajis01-10050	113	24	and	and	CCONJ
ajis01-10050	113	25	health	health	NOUN
ajis01-10050	113	26	18	18	NUM
ajis01-10050	113	27	.	.	PUNCT
ajis01-10050	114	1	this	this	DET
ajis01-10050	114	2	enquiry	enquiry	NOUN
ajis01-10050	114	3	focuses	focus	VERB
ajis01-10050	114	4	on	on	ADP
ajis01-10050	114	5	fintech	fintech	NOUN
ajis01-10050	114	6	lending	lending	NOUN
ajis01-10050	114	7	intention	intention	NOUN
ajis01-10050	114	8	among	among	ADP
ajis01-10050	114	9	millennials	millennial	NOUN
ajis01-10050	114	10	and	and	CCONJ
ajis01-10050	114	11	purposes	purpose	NOUN
ajis01-10050	114	12	to	to	PART
ajis01-10050	114	13	observe	observe	VERB
ajis01-10050	114	14	the	the	DET
ajis01-10050	114	15	factors	factor	NOUN
ajis01-10050	114	16	that	that	PRON
ajis01-10050	114	17	encourage	encourage	VERB
ajis01-10050	114	18	it	it	PRON
ajis01-10050	114	19	.	.	PUNCT
ajis01-10050	115	1	specifically	specifically	ADV
ajis01-10050	115	2	,	,	PUNCT
ajis01-10050	115	3	we	we	PRON
ajis01-10050	115	4	investigate	investigate	VERB
ajis01-10050	115	5	the	the	DET
ajis01-10050	115	6	influence	influence	NOUN
ajis01-10050	115	7	of	of	ADP
ajis01-10050	115	8	financial	financial	ADJ
ajis01-10050	115	9	behavioural	behavioural	ADJ
ajis01-10050	115	10	processes	process	NOUN
ajis01-10050	115	11	and	and	CCONJ
ajis01-10050	115	12	financial	financial	ADJ
ajis01-10050	115	13	literacy	literacy	NOUN
ajis01-10050	115	14	on	on	ADP
ajis01-10050	115	15	fintech	fintech	NOUN
ajis01-10050	115	16	lending	lending	NOUN
ajis01-10050	115	17	among	among	ADP
ajis01-10050	115	18	millennials	millennial	NOUN
ajis01-10050	115	19	in	in	ADP
ajis01-10050	115	20	indonesia	indonesia	PROPN
ajis01-10050	115	21	,	,	PUNCT
ajis01-10050	115	22	which	which	PRON
ajis01-10050	115	23	has	have	AUX
ajis01-10050	115	24	not	not	PART
ajis01-10050	115	25	been	be	AUX
ajis01-10050	115	26	explored	explore	VERB
ajis01-10050	115	27	in	in	ADP
ajis01-10050	115	28	previous	previous	ADJ
ajis01-10050	115	29	research	research	NOUN
ajis01-10050	115	30	.	.	PUNCT
ajis01-10050	116	1	we	we	PRON
ajis01-10050	116	2	define	define	VERB
ajis01-10050	116	3	the	the	DET
ajis01-10050	116	4	financial	financial	ADJ
ajis01-10050	116	5	behaviour	behaviour	NOUN
ajis01-10050	116	6	variable	variable	NOUN
ajis01-10050	116	7	as	as	ADP
ajis01-10050	116	8	the	the	DET
ajis01-10050	116	9	process	process	NOUN
ajis01-10050	116	10	of	of	ADP
ajis01-10050	116	11	becoming	become	VERB
ajis01-10050	116	12	aware	aware	ADJ
ajis01-10050	116	13	of	of	ADP
ajis01-10050	116	14	a	a	DET
ajis01-10050	116	15	product	product	NOUN
ajis01-10050	116	16	.	.	PUNCT
ajis01-10050	117	1	while	while	SCONJ
ajis01-10050	117	2	this	this	DET
ajis01-10050	117	3	variable	variable	NOUN
ajis01-10050	117	4	has	have	AUX
ajis01-10050	117	5	been	be	AUX
ajis01-10050	117	6	used	use	VERB
ajis01-10050	117	7	in	in	ADP
ajis01-10050	117	8	previous	previous	ADJ
ajis01-10050	117	9	studies	study	NOUN
ajis01-10050	117	10	to	to	PART
ajis01-10050	117	11	explain	explain	VERB
ajis01-10050	117	12	risk	risk	NOUN
ajis01-10050	117	13	-	-	PUNCT
ajis01-10050	117	14	taking	taking	NOUN
ajis01-10050	117	15	or	or	CCONJ
ajis01-10050	117	16	usage	usage	NOUN
ajis01-10050	117	17	choice	choice	NOUN
ajis01-10050	117	18	,	,	PUNCT
ajis01-10050	117	19	we	we	PRON
ajis01-10050	117	20	use	use	VERB
ajis01-10050	117	21	it	it	PRON
ajis01-10050	117	22	for	for	ADP
ajis01-10050	117	23	the	the	DET
ajis01-10050	117	24	first	first	ADJ
ajis01-10050	117	25	time	time	NOUN
ajis01-10050	117	26	in	in	ADP
ajis01-10050	117	27	this	this	DET
ajis01-10050	117	28	study	study	NOUN
ajis01-10050	117	29	to	to	PART
ajis01-10050	117	30	explain	explain	VERB
ajis01-10050	117	31	fintech	fintech	NOUN
ajis01-10050	117	32	lending	lending	NOUN
ajis01-10050	117	33	usage	usage	NOUN
ajis01-10050	117	34	intention	intention	NOUN
ajis01-10050	117	35	.	.	PUNCT
ajis01-10050	118	1	table	table	NOUN
ajis01-10050	118	2	2	2	NUM
ajis01-10050	118	3	.	.	X
ajis01-10050	118	4	result	result	NOUN
ajis01-10050	118	5	of	of	ADP
ajis01-10050	118	6	hypothesis	hypothesis	NOUN
ajis01-10050	118	7	h1	h1	VERB
ajis01-10050	118	8	there	there	PRON
ajis01-10050	118	9	is	be	VERB
ajis01-10050	118	10	no	no	DET
ajis01-10050	118	11	significant	significant	ADJ
ajis01-10050	118	12	association	association	NOUN
ajis01-10050	118	13	between	between	ADP
ajis01-10050	118	14	attitude	attitude	NOUN
ajis01-10050	118	15	and	and	CCONJ
ajis01-10050	118	16	financial	financial	ADJ
ajis01-10050	118	17	literacy	literacy	NOUN
ajis01-10050	118	18	not	not	PART
ajis01-10050	118	19	accepted	accept	VERB
ajis01-10050	118	20	h2	h2	NOUN
ajis01-10050	118	21	there	there	PRON
ajis01-10050	118	22	is	be	VERB
ajis01-10050	118	23	no	no	DET
ajis01-10050	118	24	significant	significant	ADJ
ajis01-10050	118	25	association	association	NOUN
ajis01-10050	118	26	between	between	ADP
ajis01-10050	118	27	subjective	subjective	ADJ
ajis01-10050	118	28	norms	norm	NOUN
ajis01-10050	118	29	and	and	CCONJ
ajis01-10050	118	30	financial	financial	ADJ
ajis01-10050	118	31	literacy	literacy	NOUN
ajis01-10050	118	32	not	not	PART
ajis01-10050	118	33	accepted	accept	VERB
ajis01-10050	118	34	h3	h3	NOUN
ajis01-10050	118	35	there	there	PRON
ajis01-10050	118	36	is	be	VERB
ajis01-10050	118	37	no	no	DET
ajis01-10050	118	38	significant	significant	ADJ
ajis01-10050	118	39	correlation	correlation	NOUN
ajis01-10050	118	40	between	between	ADP
ajis01-10050	118	41	perceived	perceive	VERB
ajis01-10050	118	42	control	control	NOUN
ajis01-10050	118	43	behaviour	behaviour	NOUN
ajis01-10050	118	44	and	and	CCONJ
ajis01-10050	118	45	financial	financial	ADJ
ajis01-10050	118	46	literacy	literacy	NOUN
ajis01-10050	118	47	not	not	PART
ajis01-10050	118	48	accepted	accept	VERB
ajis01-10050	118	49	h4a	h4a	NOUN
ajis01-10050	118	50	there	there	PRON
ajis01-10050	118	51	is	be	VERB
ajis01-10050	118	52	a	a	DET
ajis01-10050	118	53	positive	positive	ADJ
ajis01-10050	118	54	connection	connection	NOUN
ajis01-10050	118	55	between	between	ADP
ajis01-10050	118	56	attitude	attitude	NOUN
ajis01-10050	118	57	and	and	CCONJ
ajis01-10050	118	58	financial	financial	ADJ
ajis01-10050	118	59	literacy	literacy	NOUN
ajis01-10050	118	60	accepted	accept	VERB
ajis01-10050	118	61	h4b	h4b	PRON
ajis01-10050	118	62	there	there	PRON
ajis01-10050	118	63	is	be	VERB
ajis01-10050	118	64	a	a	DET
ajis01-10050	118	65	positive	positive	ADJ
ajis01-10050	118	66	association	association	NOUN
ajis01-10050	118	67	between	between	ADP
ajis01-10050	118	68	attitude	attitude	NOUN
ajis01-10050	118	69	and	and	CCONJ
ajis01-10050	118	70	financial	financial	ADJ
ajis01-10050	118	71	literacy	literacy	NOUN
ajis01-10050	118	72	accepted	accept	VERB
ajis01-10050	118	73	h4c	h4c	NOUN
ajis01-10050	118	74	there	there	PRON
ajis01-10050	118	75	is	be	VERB
ajis01-10050	118	76	a	a	DET
ajis01-10050	118	77	positive	positive	ADJ
ajis01-10050	118	78	association	association	NOUN
ajis01-10050	118	79	between	between	ADP
ajis01-10050	118	80	attitude	attitude	NOUN
ajis01-10050	118	81	and	and	CCONJ
ajis01-10050	118	82	financial	financial	ADJ
ajis01-10050	118	83	literacy	literacy	NOUN
ajis01-10050	118	84	accepted	accept	VERB
ajis01-10050	118	85	financial	financial	ADJ
ajis01-10050	118	86	behaviour	behaviour	NOUN
ajis01-10050	118	87	among	among	ADP
ajis01-10050	118	88	millennials	millennial	NOUN
ajis01-10050	118	89	,	,	PUNCT
ajis01-10050	118	90	who	who	PRON
ajis01-10050	118	91	are	be	AUX
ajis01-10050	118	92	commonly	commonly	ADV
ajis01-10050	118	93	regarded	regard	VERB
ajis01-10050	118	94	as	as	ADP
ajis01-10050	118	95	technologically	technologically	ADV
ajis01-10050	118	96	proficient	proficient	ADJ
ajis01-10050	118	97	,	,	PUNCT
ajis01-10050	118	98	has	have	VERB
ajis01-10050	118	99	the	the	DET
ajis01-10050	118	100	potential	potential	NOUN
ajis01-10050	118	101	to	to	PART
ajis01-10050	118	102	shape	shape	VERB
ajis01-10050	118	103	their	their	PRON
ajis01-10050	118	104	utilization	utilization	NOUN
ajis01-10050	118	105	of	of	ADP
ajis01-10050	118	106	fintech	fintech	NOUN
ajis01-10050	118	107	lending	lending	NOUN
ajis01-10050	118	108	.	.	PUNCT
ajis01-10050	119	1	furthermore	furthermore	ADV
ajis01-10050	119	2	,	,	PUNCT
ajis01-10050	119	3	their	their	PRON
ajis01-10050	119	4	receptiveness	receptiveness	NOUN
ajis01-10050	119	5	to	to	ADP
ajis01-10050	119	6	information	information	NOUN
ajis01-10050	119	7	will	will	AUX
ajis01-10050	119	8	directly	directly	ADV
ajis01-10050	119	9	and	and	CCONJ
ajis01-10050	119	10	indirectly	indirectly	ADV
ajis01-10050	119	11	contribute	contribute	VERB
ajis01-10050	119	12	to	to	ADP
ajis01-10050	119	13	their	their	PRON
ajis01-10050	119	14	financial	financial	ADJ
ajis01-10050	119	15	18	18	NUM
ajis01-10050	119	16	betül	betül	NOUN
ajis01-10050	119	17	çal	çal	PROPN
ajis01-10050	119	18	and	and	CCONJ
ajis01-10050	119	19	mary	mary	PROPN
ajis01-10050	119	20	lambkin	lambkin	PROPN
ajis01-10050	119	21	,	,	PUNCT
ajis01-10050	119	22	“	"	PUNCT
ajis01-10050	119	23	stock	stock	NOUN
ajis01-10050	119	24	exchange	exchange	NOUN
ajis01-10050	119	25	brands	brand	NOUN
ajis01-10050	119	26	as	as	ADP
ajis01-10050	119	27	an	an	DET
ajis01-10050	119	28	influence	influence	NOUN
ajis01-10050	119	29	on	on	ADP
ajis01-10050	119	30	investor	investor	NOUN
ajis01-10050	119	31	behavior	behavior	NOUN
ajis01-10050	119	32	,	,	PUNCT
ajis01-10050	119	33	”	"	PUNCT
ajis01-10050	119	34	international	international	ADJ
ajis01-10050	119	35	journal	journal	NOUN
ajis01-10050	119	36	of	of	ADP
ajis01-10050	119	37	bank	bank	PROPN
ajis01-10050	119	38	marketing	marketing	NOUN
ajis01-10050	119	39	35	35	NUM
ajis01-10050	119	40	,	,	PUNCT
ajis01-10050	119	41	no	no	INTJ
ajis01-10050	119	42	.	.	NOUN
ajis01-10050	119	43	3	3	NUM
ajis01-10050	119	44	(	(	PUNCT
ajis01-10050	119	45	2017	2017	NUM
ajis01-10050	119	46	):	):	PUNCT
ajis01-10050	119	47	391	391	NUM
ajis01-10050	119	48	–	–	PUNCT
ajis01-10050	119	49	410	410	NUM
ajis01-10050	119	50	,	,	PUNCT
ajis01-10050	119	51	https://doi.org/10.1108/ijbm-05-2016-0072	https://doi.org/10.1108/ijbm-05-2016-0072	PROPN
ajis01-10050	119	52	.	.	PUNCT
ajis01-10050	120	1	m.	m.	NOUN
ajis01-10050	120	2	kurnia	kurnia	PROPN
ajis01-10050	121	1	rahman	rahman	PROPN
ajis01-10050	121	2	abadi	abadi	PROPN
ajis01-10050	121	3	:	:	PUNCT
ajis01-10050	121	4	indonesian	indonesian	ADJ
ajis01-10050	121	5	millennial	millennial	ADJ
ajis01-10050	121	6	’s	’s	PART
ajis01-10050	121	7	financial	financial	ADJ
ajis01-10050	121	8	behaviour	behaviour	NOUN
ajis01-10050	121	9	|	|	ADV
ajis01-10050	121	10	110	110	NUM
ajis01-10050	121	11	literacy	literacy	NOUN
ajis01-10050	121	12	,	,	PUNCT
ajis01-10050	121	13	particularly	particularly	ADV
ajis01-10050	121	14	in	in	ADP
ajis01-10050	121	15	the	the	DET
ajis01-10050	121	16	context	context	NOUN
ajis01-10050	121	17	of	of	ADP
ajis01-10050	121	18	fintech	fintech	NOUN
ajis01-10050	121	19	lending	lending	NOUN
ajis01-10050	121	20	.	.	PUNCT
ajis01-10050	122	1	19	19	NUM
ajis01-10050	122	2	consequently	consequently	ADV
ajis01-10050	122	3	,	,	PUNCT
ajis01-10050	122	4	the	the	DET
ajis01-10050	122	5	individual	individual	ADJ
ajis01-10050	122	6	attitude	attitude	NOUN
ajis01-10050	122	7	variable	variable	NOUN
ajis01-10050	122	8	has	have	AUX
ajis01-10050	122	9	been	be	AUX
ajis01-10050	122	10	selected	select	VERB
ajis01-10050	122	11	as	as	ADP
ajis01-10050	122	12	the	the	DET
ajis01-10050	122	13	behavioural	behavioural	ADJ
ajis01-10050	122	14	process	process	NOUN
ajis01-10050	122	15	of	of	ADP
ajis01-10050	122	16	millennials	millennial	NOUN
ajis01-10050	122	17	.	.	PUNCT
ajis01-10050	123	1	the	the	DET
ajis01-10050	123	2	concept	concept	NOUN
ajis01-10050	123	3	of	of	ADP
ajis01-10050	123	4	attitude	attitude	NOUN
ajis01-10050	123	5	has	have	AUX
ajis01-10050	123	6	been	be	AUX
ajis01-10050	123	7	introduced	introduce	VERB
ajis01-10050	123	8	in	in	ADP
ajis01-10050	123	9	the	the	DET
ajis01-10050	123	10	financial	financial	ADJ
ajis01-10050	123	11	literature	literature	NOUN
ajis01-10050	123	12	through	through	ADP
ajis01-10050	123	13	studies	study	NOUN
ajis01-10050	123	14	in	in	ADP
ajis01-10050	123	15	the	the	DET
ajis01-10050	123	16	field	field	NOUN
ajis01-10050	123	17	of	of	ADP
ajis01-10050	123	18	emotional	emotional	ADJ
ajis01-10050	123	19	finance	finance	NOUN
ajis01-10050	123	20	.	.	PUNCT
ajis01-10050	124	1	it	it	PRON
ajis01-10050	124	2	is	be	AUX
ajis01-10050	124	3	worth	worth	ADJ
ajis01-10050	124	4	noting	note	VERB
ajis01-10050	124	5	that	that	SCONJ
ajis01-10050	124	6	this	this	DET
ajis01-10050	124	7	construct	construct	NOUN
ajis01-10050	124	8	has	have	AUX
ajis01-10050	124	9	been	be	AUX
ajis01-10050	124	10	examined	examine	VERB
ajis01-10050	124	11	as	as	ADP
ajis01-10050	124	12	an	an	DET
ajis01-10050	124	13	explanatory	explanatory	ADJ
ajis01-10050	124	14	factor	factor	NOUN
ajis01-10050	124	15	for	for	ADP
ajis01-10050	124	16	risky	risky	ADJ
ajis01-10050	124	17	practice	practice	NOUN
ajis01-10050	124	18	intention	intention	NOUN
ajis01-10050	124	19	in	in	ADP
ajis01-10050	124	20	a	a	DET
ajis01-10050	124	21	few	few	ADJ
ajis01-10050	124	22	number	number	NOUN
ajis01-10050	124	23	of	of	ADP
ajis01-10050	124	24	studies	study	NOUN
ajis01-10050	124	25	,	,	PUNCT
ajis01-10050	124	26	as	as	SCONJ
ajis01-10050	124	27	elaborated	elaborate	VERB
ajis01-10050	124	28	in	in	ADP
ajis01-10050	124	29	literature	literature	NOUN
ajis01-10050	124	30	reviews	review	NOUN
ajis01-10050	124	31	section	section	NOUN
ajis01-10050	124	32	.	.	PUNCT
ajis01-10050	125	1	the	the	DET
ajis01-10050	125	2	utilization	utilization	NOUN
ajis01-10050	125	3	of	of	ADP
ajis01-10050	125	4	these	these	DET
ajis01-10050	125	5	two	two	NUM
ajis01-10050	125	6	variables	variable	NOUN
ajis01-10050	125	7	in	in	ADP
ajis01-10050	125	8	conjunction	conjunction	NOUN
ajis01-10050	125	9	is	be	AUX
ajis01-10050	125	10	of	of	ADP
ajis01-10050	125	11	particular	particular	ADJ
ajis01-10050	125	12	significance	significance	NOUN
ajis01-10050	125	13	in	in	ADP
ajis01-10050	125	14	this	this	DET
ajis01-10050	125	15	study	study	NOUN
ajis01-10050	125	16	,	,	PUNCT
ajis01-10050	125	17	as	as	SCONJ
ajis01-10050	125	18	it	it	PRON
ajis01-10050	125	19	allows	allow	VERB
ajis01-10050	125	20	for	for	ADP
ajis01-10050	125	21	the	the	DET
ajis01-10050	125	22	evaluation	evaluation	NOUN
ajis01-10050	125	23	of	of	ADP
ajis01-10050	125	24	the	the	DET
ajis01-10050	125	25	two	two	NUM
ajis01-10050	125	26	dimensions	dimension	NOUN
ajis01-10050	125	27	of	of	ADP
ajis01-10050	125	28	behavioural	behavioural	ADJ
ajis01-10050	125	29	activity	activity	NOUN
ajis01-10050	125	30	when	when	SCONJ
ajis01-10050	125	31	making	make	VERB
ajis01-10050	125	32	a	a	DET
ajis01-10050	125	33	decision	decision	NOUN
ajis01-10050	125	34	to	to	PART
ajis01-10050	125	35	employ	employ	VERB
ajis01-10050	125	36	fintech	fintech	NOUN
ajis01-10050	125	37	lending	lending	NOUN
ajis01-10050	125	38	simultaneously	simultaneously	ADV
ajis01-10050	125	39	.	.	PUNCT
ajis01-10050	126	1	when	when	SCONJ
ajis01-10050	126	2	investigating	investigate	VERB
ajis01-10050	126	3	the	the	DET
ajis01-10050	126	4	impact	impact	NOUN
ajis01-10050	126	5	of	of	ADP
ajis01-10050	126	6	financial	financial	ADJ
ajis01-10050	126	7	behaviour	behaviour	NOUN
ajis01-10050	126	8	as	as	ADP
ajis01-10050	126	9	a	a	DET
ajis01-10050	126	10	conscious	conscious	ADJ
ajis01-10050	126	11	process	process	NOUN
ajis01-10050	126	12	on	on	ADP
ajis01-10050	126	13	the	the	DET
ajis01-10050	126	14	intention	intention	NOUN
ajis01-10050	126	15	to	to	PART
ajis01-10050	126	16	use	use	VERB
ajis01-10050	126	17	fintech	fintech	NOUN
ajis01-10050	126	18	lending	lending	NOUN
ajis01-10050	126	19	,	,	PUNCT
ajis01-10050	126	20	it	it	PRON
ajis01-10050	126	21	is	be	AUX
ajis01-10050	126	22	anticipated	anticipate	VERB
ajis01-10050	126	23	that	that	SCONJ
ajis01-10050	126	24	the	the	DET
ajis01-10050	126	25	individual	individual	ADJ
ajis01-10050	126	26	financial	financial	ADJ
ajis01-10050	126	27	behaviour	behaviour	NOUN
ajis01-10050	126	28	of	of	ADP
ajis01-10050	126	29	millennials	millennial	NOUN
ajis01-10050	126	30	will	will	AUX
ajis01-10050	126	31	exert	exert	VERB
ajis01-10050	126	32	an	an	DET
ajis01-10050	126	33	influence	influence	NOUN
ajis01-10050	126	34	and	and	CCONJ
ajis01-10050	126	35	contribute	contribute	VERB
ajis01-10050	126	36	mentally	mentally	ADV
ajis01-10050	126	37	to	to	ADP
ajis01-10050	126	38	the	the	DET
ajis01-10050	126	39	adoption	adoption	NOUN
ajis01-10050	126	40	of	of	ADP
ajis01-10050	126	41	novel	novel	NOUN
ajis01-10050	126	42	and	and	CCONJ
ajis01-10050	126	43	risky	risky	ADJ
ajis01-10050	126	44	fintech	fintech	NOUN
ajis01-10050	126	45	lending	lending	NOUN
ajis01-10050	126	46	products	product	NOUN
ajis01-10050	126	47	.	.	PUNCT
ajis01-10050	127	1	in	in	ADP
ajis01-10050	127	2	light	light	NOUN
ajis01-10050	127	3	of	of	ADP
ajis01-10050	127	4	this	this	DET
ajis01-10050	127	5	framework	framework	NOUN
ajis01-10050	127	6	,	,	PUNCT
ajis01-10050	127	7	four	four	NUM
ajis01-10050	127	8	hypotheses	hypothesis	NOUN
ajis01-10050	127	9	were	be	AUX
ajis01-10050	127	10	formulated	formulate	VERB
ajis01-10050	127	11	and	and	CCONJ
ajis01-10050	127	12	subsequently	subsequently	ADV
ajis01-10050	127	13	tested	test	VERB
ajis01-10050	127	14	.	.	PUNCT
ajis01-10050	128	1	the	the	DET
ajis01-10050	128	2	upshots	upshot	NOUN
ajis01-10050	128	3	of	of	ADP
ajis01-10050	128	4	the	the	DET
ajis01-10050	128	5	tests	test	NOUN
ajis01-10050	128	6	are	be	AUX
ajis01-10050	128	7	presented	present	VERB
ajis01-10050	128	8	in	in	ADP
ajis01-10050	128	9	table	table	NOUN
ajis01-10050	128	10	2	2	NUM
ajis01-10050	128	11	.	.	PUNCT
ajis01-10050	129	1	the	the	DET
ajis01-10050	129	2	first	first	ADJ
ajis01-10050	129	3	three	three	NUM
ajis01-10050	129	4	hypotheses	hypothesis	NOUN
ajis01-10050	129	5	explore	explore	VERB
ajis01-10050	129	6	the	the	DET
ajis01-10050	129	7	association	association	NOUN
ajis01-10050	129	8	among	among	ADP
ajis01-10050	129	9	each	each	DET
ajis01-10050	129	10	dimension	dimension	NOUN
ajis01-10050	129	11	of	of	ADP
ajis01-10050	129	12	individual	individual	ADJ
ajis01-10050	129	13	financial	financial	ADJ
ajis01-10050	129	14	behaviour	behaviour	NOUN
ajis01-10050	129	15	and	and	CCONJ
ajis01-10050	129	16	financial	financial	ADJ
ajis01-10050	129	17	literacy	literacy	NOUN
ajis01-10050	129	18	.	.	PUNCT
ajis01-10050	130	1	however	however	ADV
ajis01-10050	130	2	,	,	PUNCT
ajis01-10050	130	3	none	none	NOUN
ajis01-10050	130	4	of	of	ADP
ajis01-10050	130	5	these	these	DET
ajis01-10050	130	6	three	three	NUM
ajis01-10050	130	7	hypotheses	hypothesis	NOUN
ajis01-10050	130	8	were	be	AUX
ajis01-10050	130	9	statistically	statistically	ADV
ajis01-10050	130	10	supported	support	VERB
ajis01-10050	130	11	.	.	PUNCT
ajis01-10050	131	1	it	it	PRON
ajis01-10050	131	2	is	be	AUX
ajis01-10050	131	3	important	important	ADJ
ajis01-10050	131	4	to	to	PART
ajis01-10050	131	5	acknowledge	acknowledge	VERB
ajis01-10050	131	6	that	that	SCONJ
ajis01-10050	131	7	this	this	PRON
ajis01-10050	131	8	does	do	AUX
ajis01-10050	131	9	not	not	PART
ajis01-10050	131	10	imply	imply	VERB
ajis01-10050	131	11	that	that	DET
ajis01-10050	131	12	attitudes	attitude	NOUN
ajis01-10050	131	13	do	do	AUX
ajis01-10050	131	14	not	not	PART
ajis01-10050	131	15	influence	influence	VERB
ajis01-10050	131	16	the	the	DET
ajis01-10050	131	17	financial	financial	ADJ
ajis01-10050	131	18	literacy	literacy	NOUN
ajis01-10050	131	19	of	of	ADP
ajis01-10050	131	20	millennials	millennial	NOUN
ajis01-10050	131	21	concerning	concern	VERB
ajis01-10050	131	22	the	the	DET
ajis01-10050	131	23	use	use	NOUN
ajis01-10050	131	24	of	of	ADP
ajis01-10050	131	25	fintech	fintech	NOUN
ajis01-10050	131	26	lending	lending	NOUN
ajis01-10050	131	27	.	.	PUNCT
ajis01-10050	132	1	individual	individual	ADJ
ajis01-10050	132	2	attitudes	attitude	NOUN
ajis01-10050	132	3	can	can	AUX
ajis01-10050	132	4	still	still	ADV
ajis01-10050	132	5	exert	exert	VERB
ajis01-10050	132	6	a	a	DET
ajis01-10050	132	7	significant	significant	ADJ
ajis01-10050	132	8	impact	impact	NOUN
ajis01-10050	132	9	in	in	ADP
ajis01-10050	132	10	this	this	DET
ajis01-10050	132	11	regard	regard	NOUN
ajis01-10050	132	12	.	.	PUNCT
ajis01-10050	133	1	nevertheless	nevertheless	ADV
ajis01-10050	133	2	,	,	PUNCT
ajis01-10050	133	3	certain	certain	ADJ
ajis01-10050	133	4	factors	factor	NOUN
ajis01-10050	133	5	may	may	AUX
ajis01-10050	133	6	account	account	VERB
ajis01-10050	133	7	for	for	ADP
ajis01-10050	133	8	the	the	DET
ajis01-10050	133	9	relatively	relatively	ADV
ajis01-10050	133	10	limited	limited	ADJ
ajis01-10050	133	11	influence	influence	NOUN
ajis01-10050	133	12	of	of	ADP
ajis01-10050	133	13	attitudes	attitude	NOUN
ajis01-10050	133	14	on	on	ADP
ajis01-10050	133	15	millennials	millennial	NOUN
ajis01-10050	133	16	'	'	PART
ajis01-10050	133	17	financial	financial	ADJ
ajis01-10050	133	18	literacy	literacy	NOUN
ajis01-10050	133	19	in	in	ADP
ajis01-10050	133	20	the	the	DET
ajis01-10050	133	21	context	context	NOUN
ajis01-10050	133	22	of	of	ADP
ajis01-10050	133	23	fintech	fintech	NOUN
ajis01-10050	133	24	lending	lending	NOUN
ajis01-10050	133	25	.	.	PUNCT
ajis01-10050	134	1	one	one	NUM
ajis01-10050	134	2	such	such	ADJ
ajis01-10050	134	3	factor	factor	NOUN
ajis01-10050	134	4	is	be	AUX
ajis01-10050	134	5	that	that	SCONJ
ajis01-10050	134	6	millennials	millennial	NOUN
ajis01-10050	134	7	have	have	AUX
ajis01-10050	134	8	grown	grow	VERB
ajis01-10050	134	9	up	up	ADP
ajis01-10050	134	10	in	in	ADP
ajis01-10050	134	11	an	an	DET
ajis01-10050	134	12	era	era	NOUN
ajis01-10050	134	13	characterized	characterize	VERB
ajis01-10050	134	14	by	by	ADP
ajis01-10050	134	15	digital	digital	ADJ
ajis01-10050	134	16	advancements	advancement	NOUN
ajis01-10050	134	17	,	,	PUNCT
ajis01-10050	134	18	which	which	PRON
ajis01-10050	134	19	has	have	AUX
ajis01-10050	134	20	made	make	VERB
ajis01-10050	134	21	information	information	NOUN
ajis01-10050	134	22	readily	readily	ADV
ajis01-10050	134	23	accessible	accessible	ADJ
ajis01-10050	134	24	to	to	ADP
ajis01-10050	134	25	them	they	PRON
ajis01-10050	134	26	.	.	PUNCT
ajis01-10050	135	1	consequently	consequently	ADV
ajis01-10050	135	2	,	,	PUNCT
ajis01-10050	135	3	they	they	PRON
ajis01-10050	135	4	are	be	AUX
ajis01-10050	135	5	able	able	ADJ
ajis01-10050	135	6	to	to	PART
ajis01-10050	135	7	swiftly	swiftly	ADV
ajis01-10050	135	8	search	search	VERB
ajis01-10050	135	9	for	for	ADP
ajis01-10050	135	10	19	19	NUM
ajis01-10050	135	11	selim	selim	NOUN
ajis01-10050	135	12	aren	aren	ADV
ajis01-10050	135	13	and	and	CCONJ
ajis01-10050	135	14	hatice	hatice	VERB
ajis01-10050	135	15	nayman	nayman	NOUN
ajis01-10050	135	16	hamamci	hamamci	NOUN
ajis01-10050	135	17	,	,	PUNCT
ajis01-10050	135	18	“	"	PUNCT
ajis01-10050	135	19	relationship	relationship	NOUN
ajis01-10050	135	20	between	between	ADP
ajis01-10050	135	21	risk	risk	NOUN
ajis01-10050	135	22	aversion	aversion	NOUN
ajis01-10050	135	23	,	,	PUNCT
ajis01-10050	135	24	risky	risky	ADJ
ajis01-10050	135	25	investment	investment	NOUN
ajis01-10050	135	26	intention	intention	NOUN
ajis01-10050	135	27	,	,	PUNCT
ajis01-10050	135	28	investment	investment	NOUN
ajis01-10050	135	29	choices	choice	NOUN
ajis01-10050	135	30	:	:	PUNCT
ajis01-10050	135	31	impact	impact	NOUN
ajis01-10050	135	32	of	of	ADP
ajis01-10050	135	33	personality	personality	NOUN
ajis01-10050	135	34	traits	trait	NOUN
ajis01-10050	135	35	and	and	CCONJ
ajis01-10050	135	36	emotion	emotion	NOUN
ajis01-10050	135	37	,	,	PUNCT
ajis01-10050	135	38	”	"	PUNCT
ajis01-10050	135	39	kybernetes	kybernete	NOUN
ajis01-10050	135	40	49	49	NUM
ajis01-10050	135	41	,	,	PUNCT
ajis01-10050	135	42	no	no	INTJ
ajis01-10050	135	43	.	.	NOUN
ajis01-10050	135	44	11	11	NUM
ajis01-10050	135	45	(	(	PUNCT
ajis01-10050	135	46	2020	2020	NUM
ajis01-10050	135	47	):	):	PUNCT
ajis01-10050	135	48	2651–82	2651–82	NOUN
ajis01-10050	135	49	,	,	PUNCT
ajis01-10050	135	50	https://doi.org/10.1108/k07-2019-0455	https://doi.org/10.1108/k07-2019-0455	PROPN
ajis01-10050	135	51	.	.	NOUN
ajis01-10050	135	52	111	111	NUM
ajis01-10050	136	1	|	|	ADV
ajis01-10050	136	2	ajis	ajis	ADV
ajis01-10050	136	3	:	:	PUNCT
ajis01-10050	136	4	academic	academic	ADJ
ajis01-10050	136	5	journal	journal	NOUN
ajis01-10050	136	6	of	of	ADP
ajis01-10050	136	7	islamic	islamic	PROPN
ajis01-10050	136	8	studies	study	NOUN
ajis01-10050	136	9	,	,	PUNCT
ajis01-10050	136	10	vol	vol	NOUN
ajis01-10050	136	11	.	.	PROPN
ajis01-10050	137	1	9	9	NUM
ajis01-10050	137	2	,	,	PUNCT
ajis01-10050	137	3	no	no	INTJ
ajis01-10050	137	4	.	.	NOUN
ajis01-10050	137	5	1	1	NUM
ajis01-10050	137	6	,	,	PUNCT
ajis01-10050	137	7	2024	2024	NUM
ajis01-10050	137	8	online	online	ADJ
ajis01-10050	137	9	resources	resource	NOUN
ajis01-10050	137	10	to	to	PART
ajis01-10050	137	11	enhance	enhance	VERB
ajis01-10050	137	12	their	their	PRON
ajis01-10050	137	13	comprehension	comprehension	NOUN
ajis01-10050	137	14	of	of	ADP
ajis01-10050	137	15	fintech	fintech	NOUN
ajis01-10050	137	16	lending	lending	NOUN
ajis01-10050	137	17	and	and	CCONJ
ajis01-10050	137	18	other	other	ADJ
ajis01-10050	137	19	aspects	aspect	NOUN
ajis01-10050	137	20	of	of	ADP
ajis01-10050	137	21	finance	finance	NOUN
ajis01-10050	137	22	.	.	PUNCT
ajis01-10050	138	1	additionally	additionally	ADV
ajis01-10050	138	2	,	,	PUNCT
ajis01-10050	138	3	millennials	millennial	NOUN
ajis01-10050	138	4	'	'	PART
ajis01-10050	138	5	familiarity	familiarity	NOUN
ajis01-10050	138	6	with	with	ADP
ajis01-10050	138	7	technology	technology	NOUN
ajis01-10050	138	8	and	and	CCONJ
ajis01-10050	138	9	positive	positive	ADJ
ajis01-10050	138	10	attitude	attitude	NOUN
ajis01-10050	138	11	towards	towards	ADP
ajis01-10050	138	12	it	it	PRON
ajis01-10050	138	13	may	may	AUX
ajis01-10050	138	14	make	make	VERB
ajis01-10050	138	15	them	they	PRON
ajis01-10050	138	16	more	more	ADV
ajis01-10050	138	17	likely	likely	ADJ
ajis01-10050	138	18	to	to	PART
ajis01-10050	138	19	embrace	embrace	VERB
ajis01-10050	138	20	fintech	fintech	NOUN
ajis01-10050	138	21	lending	lending	NOUN
ajis01-10050	138	22	.	.	PUNCT
ajis01-10050	139	1	fintech	fintech	NOUN
ajis01-10050	139	2	lenders	lender	NOUN
ajis01-10050	139	3	offer	offer	VERB
ajis01-10050	139	4	personalized	personalized	ADJ
ajis01-10050	139	5	approaches	approach	NOUN
ajis01-10050	139	6	to	to	ADP
ajis01-10050	139	7	managing	manage	VERB
ajis01-10050	139	8	finances	finance	NOUN
ajis01-10050	139	9	,	,	PUNCT
ajis01-10050	139	10	which	which	PRON
ajis01-10050	139	11	can	can	AUX
ajis01-10050	139	12	instill	instill	VERB
ajis01-10050	139	13	confidence	confidence	NOUN
ajis01-10050	139	14	in	in	ADP
ajis01-10050	139	15	millennials	millennial	NOUN
ajis01-10050	139	16	.	.	PUNCT
ajis01-10050	140	1	millennials	millennial	NOUN
ajis01-10050	140	2	'	'	PART
ajis01-10050	140	3	experiences	experience	NOUN
ajis01-10050	140	4	with	with	ADP
ajis01-10050	140	5	financial	financial	ADJ
ajis01-10050	140	6	crises	crisis	NOUN
ajis01-10050	140	7	may	may	AUX
ajis01-10050	140	8	also	also	ADV
ajis01-10050	140	9	make	make	VERB
ajis01-10050	140	10	them	they	PRON
ajis01-10050	140	11	more	more	ADV
ajis01-10050	140	12	cautious	cautious	ADJ
ajis01-10050	140	13	about	about	ADP
ajis01-10050	140	14	finance	finance	NOUN
ajis01-10050	140	15	,	,	PUNCT
ajis01-10050	140	16	potentially	potentially	ADV
ajis01-10050	140	17	influencing	influence	VERB
ajis01-10050	140	18	their	their	PRON
ajis01-10050	140	19	attitudes	attitude	NOUN
ajis01-10050	140	20	towards	towards	ADP
ajis01-10050	140	21	fintech	fintech	NOUN
ajis01-10050	140	22	lending	lending	NOUN
ajis01-10050	140	23	.	.	PUNCT
ajis01-10050	141	1	however	however	ADV
ajis01-10050	141	2	,	,	PUNCT
ajis01-10050	141	3	the	the	DET
ajis01-10050	141	4	lack	lack	NOUN
ajis01-10050	141	5	of	of	ADP
ajis01-10050	141	6	formal	formal	ADJ
ajis01-10050	141	7	financial	financial	ADJ
ajis01-10050	141	8	education	education	NOUN
ajis01-10050	141	9	in	in	ADP
ajis01-10050	141	10	many	many	ADJ
ajis01-10050	141	11	educational	educational	ADJ
ajis01-10050	141	12	institutions	institution	NOUN
ajis01-10050	141	13	may	may	AUX
ajis01-10050	141	14	lead	lead	VERB
ajis01-10050	141	15	millennials	millennial	NOUN
ajis01-10050	141	16	to	to	PART
ajis01-10050	141	17	rely	rely	VERB
ajis01-10050	141	18	more	more	ADV
ajis01-10050	141	19	on	on	ADP
ajis01-10050	141	20	their	their	PRON
ajis01-10050	141	21	own	own	ADJ
ajis01-10050	141	22	experiences	experience	NOUN
ajis01-10050	141	23	and	and	CCONJ
ajis01-10050	141	24	information	information	NOUN
ajis01-10050	141	25	rather	rather	ADV
ajis01-10050	141	26	than	than	ADP
ajis01-10050	141	27	their	their	PRON
ajis01-10050	141	28	attitudes	attitude	NOUN
ajis01-10050	141	29	.	.	PUNCT
ajis01-10050	142	1	despite	despite	SCONJ
ajis01-10050	142	2	our	our	PRON
ajis01-10050	142	3	initial	initial	ADJ
ajis01-10050	142	4	expectation	expectation	NOUN
ajis01-10050	142	5	,	,	PUNCT
ajis01-10050	142	6	we	we	PRON
ajis01-10050	142	7	found	find	VERB
ajis01-10050	142	8	no	no	DET
ajis01-10050	142	9	significant	significant	ADJ
ajis01-10050	142	10	relationship	relationship	NOUN
ajis01-10050	142	11	between	between	ADP
ajis01-10050	142	12	subjective	subjective	ADJ
ajis01-10050	142	13	norms	norm	NOUN
ajis01-10050	142	14	and	and	CCONJ
ajis01-10050	142	15	financial	financial	ADJ
ajis01-10050	142	16	literacy	literacy	NOUN
ajis01-10050	142	17	.	.	PUNCT
ajis01-10050	143	1	previous	previous	ADJ
ajis01-10050	143	2	research	research	NOUN
ajis01-10050	143	3	found	find	VERB
ajis01-10050	143	4	that	that	SCONJ
ajis01-10050	143	5	millennials	millennial	NOUN
ajis01-10050	143	6	tend	tend	VERB
ajis01-10050	143	7	to	to	PART
ajis01-10050	143	8	exhibit	exhibit	VERB
ajis01-10050	143	9	higher	high	ADJ
ajis01-10050	143	10	levels	level	NOUN
ajis01-10050	143	11	of	of	ADP
ajis01-10050	143	12	individualism	individualism	NOUN
ajis01-10050	143	13	than	than	ADP
ajis01-10050	143	14	previous	previous	ADJ
ajis01-10050	143	15	generations	generation	NOUN
ajis01-10050	143	16	.	.	PUNCT
ajis01-10050	144	1	they	they	PRON
ajis01-10050	144	2	are	be	AUX
ajis01-10050	144	3	often	often	ADV
ajis01-10050	144	4	more	more	ADV
ajis01-10050	144	5	confident	confident	ADJ
ajis01-10050	144	6	in	in	ADP
ajis01-10050	144	7	making	make	VERB
ajis01-10050	144	8	their	their	PRON
ajis01-10050	144	9	own	own	ADJ
ajis01-10050	144	10	financial	financial	ADJ
ajis01-10050	144	11	decisions	decision	NOUN
ajis01-10050	144	12	,	,	PUNCT
ajis01-10050	144	13	including	include	VERB
ajis01-10050	144	14	the	the	DET
ajis01-10050	144	15	use	use	NOUN
ajis01-10050	144	16	of	of	ADP
ajis01-10050	144	17	fintech	fintech	NOUN
ajis01-10050	144	18	lending	lending	NOUN
ajis01-10050	144	19	.	.	PUNCT
ajis01-10050	145	1	therefore	therefore	ADV
ajis01-10050	145	2	,	,	PUNCT
ajis01-10050	145	3	social	social	ADJ
ajis01-10050	145	4	pressure	pressure	NOUN
ajis01-10050	145	5	or	or	CCONJ
ajis01-10050	145	6	views	view	NOUN
ajis01-10050	145	7	from	from	ADP
ajis01-10050	145	8	others	other	NOUN
ajis01-10050	145	9	may	may	AUX
ajis01-10050	145	10	have	have	VERB
ajis01-10050	145	11	a	a	DET
ajis01-10050	145	12	more	more	ADV
ajis01-10050	145	13	limited	limited	ADJ
ajis01-10050	145	14	impact	impact	NOUN
ajis01-10050	145	15	.	.	PUNCT
ajis01-10050	146	1	millennials	millennial	NOUN
ajis01-10050	146	2	tend	tend	VERB
ajis01-10050	146	3	to	to	PART
ajis01-10050	146	4	be	be	AUX
ajis01-10050	146	5	more	more	ADV
ajis01-10050	146	6	familiar	familiar	ADJ
ajis01-10050	146	7	with	with	ADP
ajis01-10050	146	8	seeking	seek	VERB
ajis01-10050	146	9	information	information	NOUN
ajis01-10050	146	10	independently	independently	ADV
ajis01-10050	146	11	through	through	ADP
ajis01-10050	146	12	the	the	DET
ajis01-10050	146	13	internet	internet	NOUN
ajis01-10050	146	14	and	and	CCONJ
ajis01-10050	146	15	social	social	ADJ
ajis01-10050	146	16	media	medium	NOUN
ajis01-10050	146	17	.	.	PUNCT
ajis01-10050	147	1	they	they	PRON
ajis01-10050	147	2	can	can	AUX
ajis01-10050	147	3	form	form	VERB
ajis01-10050	147	4	their	their	PRON
ajis01-10050	147	5	own	own	ADJ
ajis01-10050	147	6	understanding	understanding	NOUN
ajis01-10050	147	7	of	of	ADP
ajis01-10050	147	8	fintech	fintech	NOUN
ajis01-10050	147	9	lending	lending	NOUN
ajis01-10050	147	10	based	base	VERB
ajis01-10050	147	11	on	on	ADP
ajis01-10050	147	12	their	their	PRON
ajis01-10050	147	13	own	own	ADJ
ajis01-10050	147	14	research	research	NOUN
ajis01-10050	147	15	,	,	PUNCT
ajis01-10050	147	16	and	and	CCONJ
ajis01-10050	147	17	the	the	DET
ajis01-10050	147	18	views	view	NOUN
ajis01-10050	147	19	of	of	ADP
ajis01-10050	147	20	others	other	NOUN
ajis01-10050	147	21	may	may	AUX
ajis01-10050	147	22	have	have	VERB
ajis01-10050	147	23	less	less	ADJ
ajis01-10050	147	24	impact	impact	NOUN
ajis01-10050	147	25	compared	compare	VERB
ajis01-10050	147	26	to	to	ADP
ajis01-10050	147	27	the	the	DET
ajis01-10050	147	28	data	datum	NOUN
ajis01-10050	147	29	and	and	CCONJ
ajis01-10050	147	30	information	information	NOUN
ajis01-10050	147	31	they	they	PRON
ajis01-10050	147	32	find	find	VERB
ajis01-10050	147	33	themselves.20	themselves.20	NOUN
ajis01-10050	147	34	in	in	ADP
ajis01-10050	147	35	addition	addition	NOUN
ajis01-10050	147	36	,	,	PUNCT
ajis01-10050	147	37	millennials	millennial	NOUN
ajis01-10050	147	38	often	often	ADV
ajis01-10050	147	39	have	have	VERB
ajis01-10050	147	40	more	more	ADJ
ajis01-10050	147	41	financial	financial	ADJ
ajis01-10050	147	42	options	option	NOUN
ajis01-10050	147	43	than	than	ADP
ajis01-10050	147	44	previous	previous	ADJ
ajis01-10050	147	45	generations	generation	NOUN
ajis01-10050	147	46	.	.	PUNCT
ajis01-10050	148	1	they	they	PRON
ajis01-10050	148	2	can	can	AUX
ajis01-10050	148	3	choose	choose	VERB
ajis01-10050	148	4	between	between	ADP
ajis01-10050	148	5	fintech	fintech	NOUN
ajis01-10050	148	6	lending	lending	NOUN
ajis01-10050	148	7	,	,	PUNCT
ajis01-10050	148	8	traditional	traditional	ADJ
ajis01-10050	148	9	banking	banking	NOUN
ajis01-10050	148	10	,	,	PUNCT
ajis01-10050	148	11	or	or	CCONJ
ajis01-10050	148	12	other	other	ADJ
ajis01-10050	148	13	alternatives	alternative	NOUN
ajis01-10050	148	14	.	.	PUNCT
ajis01-10050	149	1	due	due	ADP
ajis01-10050	149	2	to	to	ADP
ajis01-10050	149	3	having	have	VERB
ajis01-10050	149	4	a	a	DET
ajis01-10050	149	5	variety	variety	NOUN
ajis01-10050	149	6	of	of	ADP
ajis01-10050	149	7	options	option	NOUN
ajis01-10050	149	8	,	,	PUNCT
ajis01-10050	149	9	they	they	PRON
ajis01-10050	149	10	may	may	AUX
ajis01-10050	149	11	be	be	AUX
ajis01-10050	149	12	more	more	ADV
ajis01-10050	149	13	likely	likely	ADJ
ajis01-10050	149	14	to	to	PART
ajis01-10050	149	15	choose	choose	VERB
ajis01-10050	149	16	based	base	VERB
ajis01-10050	149	17	on	on	ADP
ajis01-10050	149	18	information	information	NOUN
ajis01-10050	149	19	they	they	PRON
ajis01-10050	149	20	find	find	VERB
ajis01-10050	149	21	themselves	themselves	PRON
ajis01-10050	149	22	and	and	CCONJ
ajis01-10050	149	23	their	their	PRON
ajis01-10050	149	24	personal	personal	ADJ
ajis01-10050	149	25	preferences	preference	NOUN
ajis01-10050	149	26	rather	rather	ADV
ajis01-10050	149	27	than	than	ADP
ajis01-10050	149	28	based	base	VERB
ajis01-10050	149	29	on	on	ADP
ajis01-10050	149	30	social	social	ADJ
ajis01-10050	149	31	pressure	pressure	NOUN
ajis01-10050	149	32	.	.	PUNCT
ajis01-10050	150	1	conversely	conversely	ADV
ajis01-10050	150	2	,	,	PUNCT
ajis01-10050	150	3	millennials	millennial	NOUN
ajis01-10050	150	4	may	may	AUX
ajis01-10050	150	5	feel	feel	VERB
ajis01-10050	150	6	less	less	ADV
ajis01-10050	150	7	exposed	expose	VERB
ajis01-10050	150	8	to	to	ADP
ajis01-10050	150	9	significant	significant	ADJ
ajis01-10050	150	10	social	social	ADJ
ajis01-10050	150	11	pressures	pressure	NOUN
ajis01-10050	150	12	associated	associate	VERB
ajis01-10050	150	13	with	with	ADP
ajis01-10050	150	14	using	use	VERB
ajis01-10050	150	15	fintech	fintech	NOUN
ajis01-10050	150	16	lending	lending	NOUN
ajis01-10050	150	17	.	.	PUNCT
ajis01-10050	151	1	subjective	subjective	ADJ
ajis01-10050	151	2	norms	norm	NOUN
ajis01-10050	151	3	are	be	AUX
ajis01-10050	151	4	often	often	ADV
ajis01-10050	151	5	stronger	strong	ADJ
ajis01-10050	151	6	in	in	ADP
ajis01-10050	151	7	the	the	DET
ajis01-10050	151	8	context	context	NOUN
ajis01-10050	151	9	of	of	ADP
ajis01-10050	151	10	highly	highly	ADV
ajis01-10050	151	11	visible	visible	ADJ
ajis01-10050	151	12	and	and	CCONJ
ajis01-10050	151	13	common	common	ADJ
ajis01-10050	151	14	20	20	NUM
ajis01-10050	151	15	abadi	abadi	NOUN
ajis01-10050	151	16	and	and	CCONJ
ajis01-10050	151	17	hamdan	hamdan	PROPN
ajis01-10050	151	18	,	,	PUNCT
ajis01-10050	151	19	“	"	PUNCT
ajis01-10050	151	20	individual	individual	ADJ
ajis01-10050	151	21	cultural	cultural	ADJ
ajis01-10050	151	22	values	value	NOUN
ajis01-10050	151	23	and	and	CCONJ
ajis01-10050	151	24	profit	profit	NOUN
ajis01-10050	151	25	expectations	expectation	NOUN
ajis01-10050	151	26	on	on	ADP
ajis01-10050	151	27	investment	investment	NOUN
ajis01-10050	151	28	intentions	intention	NOUN
ajis01-10050	151	29	in	in	ADP
ajis01-10050	151	30	crypto	crypto	PROPN
ajis01-10050	151	31	currency	currency	NOUN
ajis01-10050	151	32	 	 	SPACE
ajis01-10050	151	33	:	:	PUNCT
ajis01-10050	151	34	religiosity	religiosity	NOUN
ajis01-10050	151	35	as	as	ADP
ajis01-10050	151	36	a	a	DET
ajis01-10050	151	37	moderating	moderate	VERB
ajis01-10050	151	38	variable	variable	NOUN
ajis01-10050	151	39	.	.	PUNCT
ajis01-10050	151	40	”	"	PUNCT
ajis01-10050	152	1	m.	m.	NOUN
ajis01-10050	152	2	kurnia	kurnia	PROPN
ajis01-10050	152	3	rahman	rahman	PROPN
ajis01-10050	152	4	abadi	abadi	PROPN
ajis01-10050	152	5	:	:	PUNCT
ajis01-10050	152	6	indonesian	indonesian	ADJ
ajis01-10050	152	7	millennial	millennial	ADJ
ajis01-10050	152	8	’s	’s	PART
ajis01-10050	152	9	financial	financial	ADJ
ajis01-10050	152	10	behaviour	behaviour	NOUN
ajis01-10050	152	11	|	|	ADV
ajis01-10050	152	12	112	112	NUM
ajis01-10050	152	13	social	social	ADJ
ajis01-10050	152	14	behaviours	behaviour	NOUN
ajis01-10050	152	15	,	,	PUNCT
ajis01-10050	152	16	whereas	whereas	SCONJ
ajis01-10050	152	17	fintech	fintech	NOUN
ajis01-10050	152	18	lending	lending	NOUN
ajis01-10050	152	19	may	may	AUX
ajis01-10050	152	20	be	be	AUX
ajis01-10050	152	21	less	less	ADV
ajis01-10050	152	22	widely	widely	ADV
ajis01-10050	152	23	known	know	VERB
ajis01-10050	152	24	among	among	ADP
ajis01-10050	152	25	their	their	PRON
ajis01-10050	152	26	peers	peer	NOUN
ajis01-10050	152	27	.	.	PUNCT
ajis01-10050	153	1	subjective	subjective	ADJ
ajis01-10050	153	2	norms	norm	NOUN
ajis01-10050	153	3	can	can	AUX
ajis01-10050	153	4	vary	vary	VERB
ajis01-10050	153	5	greatly	greatly	ADV
ajis01-10050	153	6	depending	depend	VERB
ajis01-10050	153	7	on	on	ADP
ajis01-10050	153	8	the	the	DET
ajis01-10050	153	9	social	social	ADJ
ajis01-10050	153	10	environment	environment	NOUN
ajis01-10050	153	11	and	and	CCONJ
ajis01-10050	153	12	specific	specific	ADJ
ajis01-10050	153	13	individuals	individual	NOUN
ajis01-10050	153	14	.	.	PUNCT
ajis01-10050	154	1	within	within	ADP
ajis01-10050	154	2	the	the	DET
ajis01-10050	154	3	broad	broad	ADJ
ajis01-10050	154	4	group	group	NOUN
ajis01-10050	154	5	of	of	ADP
ajis01-10050	154	6	millennials	millennial	NOUN
ajis01-10050	154	7	,	,	PUNCT
ajis01-10050	154	8	views	view	NOUN
ajis01-10050	154	9	and	and	CCONJ
ajis01-10050	154	10	social	social	ADJ
ajis01-10050	154	11	norms	norm	NOUN
ajis01-10050	154	12	are	be	AUX
ajis01-10050	154	13	also	also	ADV
ajis01-10050	154	14	very	very	ADV
ajis01-10050	154	15	diverse	diverse	ADJ
ajis01-10050	154	16	,	,	PUNCT
ajis01-10050	154	17	making	make	VERB
ajis01-10050	154	18	it	it	PRON
ajis01-10050	154	19	difficult	difficult	ADJ
ajis01-10050	154	20	to	to	PART
ajis01-10050	154	21	generalise	generalise	VERB
ajis01-10050	154	22	the	the	DET
ajis01-10050	154	23	influence	influence	NOUN
ajis01-10050	154	24	of	of	ADP
ajis01-10050	154	25	subjective	subjective	ADJ
ajis01-10050	154	26	norms	norm	NOUN
ajis01-10050	154	27	on	on	ADP
ajis01-10050	154	28	their	their	PRON
ajis01-10050	154	29	financial	financial	ADJ
ajis01-10050	154	30	literacy.21	literacy.21	NOUN
ajis01-10050	154	31	so	so	ADV
ajis01-10050	154	32	,	,	PUNCT
ajis01-10050	154	33	while	while	SCONJ
ajis01-10050	154	34	subjective	subjective	ADJ
ajis01-10050	154	35	norms	norm	NOUN
ajis01-10050	154	36	may	may	AUX
ajis01-10050	154	37	have	have	VERB
ajis01-10050	154	38	a	a	DET
ajis01-10050	154	39	limited	limited	ADJ
ajis01-10050	154	40	effect	effect	NOUN
ajis01-10050	154	41	on	on	ADP
ajis01-10050	154	42	financial	financial	ADJ
ajis01-10050	154	43	literacy	literacy	NOUN
ajis01-10050	154	44	in	in	ADP
ajis01-10050	154	45	the	the	DET
ajis01-10050	154	46	use	use	NOUN
ajis01-10050	154	47	of	of	ADP
ajis01-10050	154	48	fintech	fintech	NOUN
ajis01-10050	154	49	lending	lending	NOUN
ajis01-10050	154	50	among	among	ADP
ajis01-10050	154	51	millennials	millennial	NOUN
ajis01-10050	154	52	,	,	PUNCT
ajis01-10050	154	53	it	it	PRON
ajis01-10050	154	54	is	be	AUX
ajis01-10050	154	55	important	important	ADJ
ajis01-10050	154	56	to	to	PART
ajis01-10050	154	57	note	note	VERB
ajis01-10050	154	58	that	that	SCONJ
ajis01-10050	154	59	other	other	ADJ
ajis01-10050	154	60	factors	factor	NOUN
ajis01-10050	154	61	such	such	ADJ
ajis01-10050	154	62	as	as	ADP
ajis01-10050	154	63	education	education	NOUN
ajis01-10050	154	64	,	,	PUNCT
ajis01-10050	154	65	personal	personal	ADJ
ajis01-10050	154	66	experience	experience	NOUN
ajis01-10050	154	67	,	,	PUNCT
ajis01-10050	154	68	and	and	CCONJ
ajis01-10050	154	69	access	access	NOUN
ajis01-10050	154	70	to	to	ADP
ajis01-10050	154	71	financial	financial	ADJ
ajis01-10050	154	72	resources	resource	NOUN
ajis01-10050	154	73	can	can	AUX
ajis01-10050	154	74	still	still	ADV
ajis01-10050	154	75	play	play	VERB
ajis01-10050	154	76	a	a	DET
ajis01-10050	154	77	significant	significant	ADJ
ajis01-10050	154	78	part	part	NOUN
ajis01-10050	154	79	in	in	ADP
ajis01-10050	154	80	decisions	decision	NOUN
ajis01-10050	154	81	.	.	PUNCT
ajis01-10050	155	1	the	the	DET
ajis01-10050	155	2	study	study	NOUN
ajis01-10050	155	3	found	find	VERB
ajis01-10050	155	4	no	no	DET
ajis01-10050	155	5	connection	connection	NOUN
ajis01-10050	155	6	between	between	ADP
ajis01-10050	155	7	perceived	perceive	VERB
ajis01-10050	155	8	control	control	NOUN
ajis01-10050	155	9	behaviour	behaviour	NOUN
ajis01-10050	155	10	and	and	CCONJ
ajis01-10050	155	11	financial	financial	ADJ
ajis01-10050	155	12	literacy	literacy	NOUN
ajis01-10050	155	13	in	in	ADP
ajis01-10050	155	14	fintech	fintech	NOUN
ajis01-10050	155	15	lending	lending	NOUN
ajis01-10050	155	16	for	for	ADP
ajis01-10050	155	17	millennials	millennial	NOUN
ajis01-10050	155	18	,	,	PUNCT
ajis01-10050	155	19	likely	likely	ADJ
ajis01-10050	155	20	due	due	ADP
ajis01-10050	155	21	to	to	ADP
ajis01-10050	155	22	a	a	DET
ajis01-10050	155	23	lack	lack	NOUN
ajis01-10050	155	24	of	of	ADP
ajis01-10050	155	25	formal	formal	ADJ
ajis01-10050	155	26	financial	financial	ADJ
ajis01-10050	155	27	education	education	NOUN
ajis01-10050	155	28	.	.	PUNCT
ajis01-10050	156	1	millennials	millennial	NOUN
ajis01-10050	156	2	'	'	PART
ajis01-10050	156	3	limited	limited	ADJ
ajis01-10050	156	4	financial	financial	ADJ
ajis01-10050	156	5	experience	experience	NOUN
ajis01-10050	156	6	and	and	CCONJ
ajis01-10050	156	7	optimism	optimism	NOUN
ajis01-10050	156	8	bias	bias	NOUN
ajis01-10050	156	9	may	may	AUX
ajis01-10050	156	10	lead	lead	VERB
ajis01-10050	156	11	to	to	ADP
ajis01-10050	156	12	overconfidence	overconfidence	NOUN
ajis01-10050	156	13	and	and	CCONJ
ajis01-10050	156	14	poor	poor	ADJ
ajis01-10050	156	15	financial	financial	ADJ
ajis01-10050	156	16	choices	choice	NOUN
ajis01-10050	156	17	.	.	PUNCT
ajis01-10050	157	1	educating	educate	VERB
ajis01-10050	157	2	millennials	millennial	NOUN
ajis01-10050	157	3	on	on	ADP
ajis01-10050	157	4	the	the	DET
ajis01-10050	157	5	risks	risk	NOUN
ajis01-10050	157	6	and	and	CCONJ
ajis01-10050	157	7	benefits	benefit	NOUN
ajis01-10050	157	8	of	of	ADP
ajis01-10050	157	9	fintech	fintech	NOUN
ajis01-10050	157	10	lending	lending	NOUN
ajis01-10050	157	11	is	be	AUX
ajis01-10050	157	12	crucial	crucial	ADJ
ajis01-10050	157	13	for	for	ADP
ajis01-10050	157	14	informed	informed	ADJ
ajis01-10050	157	15	decision	decision	NOUN
ajis01-10050	157	16	-	-	PUNCT
ajis01-10050	157	17	making	making	NOUN
ajis01-10050	157	18	.	.	PUNCT
ajis01-10050	158	1	while	while	SCONJ
ajis01-10050	158	2	millennials	millennial	NOUN
ajis01-10050	158	3	may	may	AUX
ajis01-10050	158	4	view	view	VERB
ajis01-10050	158	5	fintech	fintech	NOUN
ajis01-10050	158	6	lending	lending	NOUN
ajis01-10050	158	7	as	as	ADP
ajis01-10050	158	8	a	a	DET
ajis01-10050	158	9	convenient	convenient	ADJ
ajis01-10050	158	10	option	option	NOUN
ajis01-10050	158	11	,	,	PUNCT
ajis01-10050	158	12	their	their	PRON
ajis01-10050	158	13	perceived	perceive	VERB
ajis01-10050	158	14	control	control	NOUN
ajis01-10050	158	15	behaviour	behaviour	NOUN
ajis01-10050	158	16	may	may	AUX
ajis01-10050	158	17	not	not	PART
ajis01-10050	158	18	always	always	ADV
ajis01-10050	158	19	align	align	VERB
ajis01-10050	158	20	with	with	ADP
ajis01-10050	158	21	reality	reality	NOUN
ajis01-10050	158	22	.	.	PUNCT
ajis01-10050	159	1	financial	financial	ADJ
ajis01-10050	159	2	literacy	literacy	NOUN
ajis01-10050	159	3	plays	play	VERB
ajis01-10050	159	4	a	a	DET
ajis01-10050	159	5	key	key	ADJ
ajis01-10050	159	6	role	role	NOUN
ajis01-10050	159	7	in	in	ADP
ajis01-10050	159	8	mediating	mediate	VERB
ajis01-10050	159	9	the	the	DET
ajis01-10050	159	10	relationship	relationship	NOUN
ajis01-10050	159	11	between	between	ADP
ajis01-10050	159	12	financial	financial	ADJ
ajis01-10050	159	13	behaviour	behaviour	NOUN
ajis01-10050	159	14	and	and	CCONJ
ajis01-10050	159	15	intention	intention	NOUN
ajis01-10050	159	16	to	to	PART
ajis01-10050	159	17	use	use	VERB
ajis01-10050	159	18	fintech	fintech	NOUN
ajis01-10050	159	19	lending	lending	NOUN
ajis01-10050	159	20	,	,	PUNCT
ajis01-10050	159	21	highlighting	highlight	VERB
ajis01-10050	159	22	the	the	DET
ajis01-10050	159	23	importance	importance	NOUN
ajis01-10050	159	24	of	of	ADP
ajis01-10050	159	25	effective	effective	ADJ
ajis01-10050	159	26	financial	financial	ADJ
ajis01-10050	159	27	management	management	NOUN
ajis01-10050	159	28	skills	skill	NOUN
ajis01-10050	159	29	for	for	ADP
ajis01-10050	159	30	making	make	VERB
ajis01-10050	159	31	informed	informed	ADJ
ajis01-10050	159	32	decisions	decision	NOUN
ajis01-10050	159	33	.	.	PUNCT
ajis01-10050	160	1	positive	positive	ADJ
ajis01-10050	160	2	financial	financial	ADJ
ajis01-10050	160	3	behaviour	behaviour	NOUN
ajis01-10050	160	4	can	can	AUX
ajis01-10050	160	5	increase	increase	VERB
ajis01-10050	160	6	financial	financial	ADJ
ajis01-10050	160	7	literacy	literacy	NOUN
ajis01-10050	160	8	to	to	PART
ajis01-10050	160	9	enhance	enhance	VERB
ajis01-10050	160	10	positive	positive	ADJ
ajis01-10050	160	11	intentions	intention	NOUN
ajis01-10050	160	12	towards	towards	ADP
ajis01-10050	160	13	using	use	VERB
ajis01-10050	160	14	fintech	fintech	NOUN
ajis01-10050	160	15	lending	lending	NOUN
ajis01-10050	160	16	.	.	PUNCT
ajis01-10050	161	1	in	in	ADP
ajis01-10050	161	2	this	this	DET
ajis01-10050	161	3	mediation	mediation	NOUN
ajis01-10050	161	4	model	model	NOUN
ajis01-10050	161	5	,	,	PUNCT
ajis01-10050	161	6	good	good	ADJ
ajis01-10050	161	7	financial	financial	ADJ
ajis01-10050	161	8	behaviour	behaviour	NOUN
ajis01-10050	161	9	first	first	ADV
ajis01-10050	161	10	affects	affect	VERB
ajis01-10050	161	11	financial	financial	ADJ
ajis01-10050	161	12	literacy	literacy	NOUN
ajis01-10050	161	13	,	,	PUNCT
ajis01-10050	161	14	and	and	CCONJ
ajis01-10050	161	15	then	then	ADV
ajis01-10050	161	16	it	it	PRON
ajis01-10050	161	17	affects	affect	VERB
ajis01-10050	161	18	the	the	DET
ajis01-10050	161	19	intention	intention	NOUN
ajis01-10050	161	20	to	to	PART
ajis01-10050	161	21	use	use	VERB
ajis01-10050	161	22	fintech	fintech	NOUN
ajis01-10050	161	23	lending	lending	NOUN
ajis01-10050	161	24	.	.	PUNCT
ajis01-10050	162	1	thus	thus	ADV
ajis01-10050	162	2	,	,	PUNCT
ajis01-10050	162	3	financial	financial	ADJ
ajis01-10050	162	4	literacy	literacy	NOUN
ajis01-10050	162	5	performances	performance	NOUN
ajis01-10050	162	6	as	as	ADP
ajis01-10050	162	7	a	a	DET
ajis01-10050	162	8	mediator	mediator	NOUN
ajis01-10050	162	9	that	that	PRON
ajis01-10050	162	10	bridges	bridge	VERB
ajis01-10050	162	11	the	the	DET
ajis01-10050	162	12	influence	influence	NOUN
ajis01-10050	162	13	among	among	ADP
ajis01-10050	162	14	financial	financial	ADJ
ajis01-10050	162	15	behaviour	behaviour	NOUN
ajis01-10050	162	16	and	and	CCONJ
ajis01-10050	162	17	intention	intention	NOUN
ajis01-10050	162	18	to	to	PART
ajis01-10050	162	19	use	use	VERB
ajis01-10050	162	20	fintech	fintech	NOUN
ajis01-10050	162	21	lending	lending	NOUN
ajis01-10050	162	22	.	.	PUNCT
ajis01-10050	163	1	note	note	NOUN
ajis01-10050	163	2	,	,	PUNCT
ajis01-10050	163	3	then	then	ADV
ajis01-10050	163	4	,	,	PUNCT
ajis01-10050	163	5	that	that	SCONJ
ajis01-10050	163	6	the	the	DET
ajis01-10050	163	7	results	result	NOUN
ajis01-10050	163	8	of	of	ADP
ajis01-10050	163	9	this	this	DET
ajis01-10050	163	10	mediation	mediation	NOUN
ajis01-10050	163	11	will	will	AUX
ajis01-10050	163	12	depend	depend	VERB
ajis01-10050	163	13	on	on	ADP
ajis01-10050	163	14	the	the	DET
ajis01-10050	163	15	extent	extent	NOUN
ajis01-10050	163	16	to	to	PART
ajis01-10050	163	17	which	which	PRON
ajis01-10050	163	18	financial	financial	ADJ
ajis01-10050	163	19	literacy	literacy	NOUN
ajis01-10050	163	20	mediates	mediate	VERB
ajis01-10050	163	21	the	the	DET
ajis01-10050	163	22	relationship	relationship	NOUN
ajis01-10050	163	23	between	between	ADP
ajis01-10050	163	24	financial	financial	ADJ
ajis01-10050	163	25	behaviour	behaviour	NOUN
ajis01-10050	163	26	and	and	CCONJ
ajis01-10050	163	27	intention	intention	NOUN
ajis01-10050	163	28	.	.	PUNCT
ajis01-10050	164	1	in	in	ADP
ajis01-10050	164	2	addition	addition	NOUN
ajis01-10050	164	3	,	,	PUNCT
ajis01-10050	164	4	external	external	ADJ
ajis01-10050	164	5	factors	factor	NOUN
ajis01-10050	164	6	such	such	ADJ
ajis01-10050	164	7	as	as	ADP
ajis01-10050	164	8	experience	experience	NOUN
ajis01-10050	164	9	,	,	PUNCT
ajis01-10050	164	10	economic	economic	ADJ
ajis01-10050	164	11	situation	situation	NOUN
ajis01-10050	164	12	and	and	CCONJ
ajis01-10050	164	13	access	access	NOUN
ajis01-10050	164	14	to	to	ADP
ajis01-10050	164	15	21	21	NUM
ajis01-10050	164	16	harrison	harrison	NOUN
ajis01-10050	164	17	stewart	stewart	PROPN
ajis01-10050	164	18	and	and	CCONJ
ajis01-10050	164	19	jan	jan	PROPN
ajis01-10050	164	20	jürjens	jürjen	NOUN
ajis01-10050	164	21	,	,	PUNCT
ajis01-10050	164	22	“	"	PUNCT
ajis01-10050	164	23	data	data	NOUN
ajis01-10050	164	24	security	security	NOUN
ajis01-10050	164	25	and	and	CCONJ
ajis01-10050	164	26	consumer	consumer	NOUN
ajis01-10050	164	27	trust	trust	NOUN
ajis01-10050	164	28	in	in	ADP
ajis01-10050	164	29	fintech	fintech	NOUN
ajis01-10050	164	30	innovation	innovation	NOUN
ajis01-10050	164	31	in	in	ADP
ajis01-10050	164	32	germany	germany	PROPN
ajis01-10050	164	33	,	,	PUNCT
ajis01-10050	164	34	”	"	PUNCT
ajis01-10050	164	35	information	information	NOUN
ajis01-10050	164	36	and	and	CCONJ
ajis01-10050	164	37	computer	computer	NOUN
ajis01-10050	164	38	security	security	NOUN
ajis01-10050	164	39	26	26	NUM
ajis01-10050	164	40	,	,	PUNCT
ajis01-10050	164	41	no	no	INTJ
ajis01-10050	164	42	.	.	NOUN
ajis01-10050	164	43	1	1	NUM
ajis01-10050	164	44	(	(	PUNCT
ajis01-10050	164	45	2018	2018	NUM
ajis01-10050	164	46	):	):	PUNCT
ajis01-10050	164	47	109–28	109–28	NUM
ajis01-10050	164	48	,	,	PUNCT
ajis01-10050	164	49	https://doi.org/10.1108/ics-06-2017-0039	https://doi.org/10.1108/ics-06-2017-0039	NOUN
ajis01-10050	164	50	.	.	PROPN
ajis01-10050	164	51	113	113	NUM
ajis01-10050	164	52	|	|	ADV
ajis01-10050	164	53	ajis	ajis	ADV
ajis01-10050	164	54	:	:	PUNCT
ajis01-10050	164	55	academic	academic	ADJ
ajis01-10050	164	56	journal	journal	NOUN
ajis01-10050	164	57	of	of	ADP
ajis01-10050	164	58	islamic	islamic	PROPN
ajis01-10050	164	59	studies	study	NOUN
ajis01-10050	164	60	,	,	PUNCT
ajis01-10050	164	61	vol	vol	NOUN
ajis01-10050	164	62	.	.	PROPN
ajis01-10050	165	1	9	9	NUM
ajis01-10050	165	2	,	,	PUNCT
ajis01-10050	165	3	no	no	INTJ
ajis01-10050	165	4	.	.	NOUN
ajis01-10050	165	5	1	1	NUM
ajis01-10050	165	6	,	,	PUNCT
ajis01-10050	165	7	2024	2024	NUM
ajis01-10050	165	8	financial	financial	ADJ
ajis01-10050	165	9	education	education	NOUN
ajis01-10050	165	10	may	may	AUX
ajis01-10050	165	11	also	also	ADV
ajis01-10050	165	12	influence	influence	VERB
ajis01-10050	165	13	this	this	DET
ajis01-10050	165	14	relationship	relationship	NOUN
ajis01-10050	165	15	.	.	PUNCT
ajis01-10050	166	1	therefore	therefore	ADV
ajis01-10050	166	2	,	,	PUNCT
ajis01-10050	166	3	it	it	PRON
ajis01-10050	166	4	is	be	AUX
ajis01-10050	166	5	important	important	ADJ
ajis01-10050	166	6	to	to	PART
ajis01-10050	166	7	conduct	conduct	VERB
ajis01-10050	166	8	empirical	empirical	ADJ
ajis01-10050	166	9	research	research	NOUN
ajis01-10050	166	10	to	to	PART
ajis01-10050	166	11	confirm	confirm	VERB
ajis01-10050	166	12	whether	whether	SCONJ
ajis01-10050	166	13	it	it	PRON
ajis01-10050	166	14	actually	actually	ADV
ajis01-10050	166	15	as	as	ADP
ajis01-10050	166	16	a	a	DET
ajis01-10050	166	17	mediating	mediate	VERB
ajis01-10050	166	18	variable	variable	NOUN
ajis01-10050	166	19	in	in	ADP
ajis01-10050	166	20	the	the	DET
ajis01-10050	166	21	relationship	relationship	NOUN
ajis01-10050	166	22	between	between	ADP
ajis01-10050	166	23	financial	financial	ADJ
ajis01-10050	166	24	behaviour	behaviour	NOUN
ajis01-10050	166	25	(	(	PUNCT
ajis01-10050	166	26	tpb	tpb	NOUN
ajis01-10050	166	27	)	)	PUNCT
ajis01-10050	166	28	and	and	CCONJ
ajis01-10050	166	29	millennials	millennial	NOUN
ajis01-10050	166	30	'	'	PART
ajis01-10050	166	31	intent	intent	NOUN
ajis01-10050	166	32	to	to	PART
ajis01-10050	166	33	usage	usage	VERB
ajis01-10050	166	34	fintech	fintech	NOUN
ajis01-10050	166	35	lending	lending	NOUN
ajis01-10050	166	36	.	.	PUNCT
ajis01-10050	167	1	millennials	millennial	NOUN
ajis01-10050	167	2	face	face	VERB
ajis01-10050	167	3	the	the	DET
ajis01-10050	167	4	dilemma	dilemma	NOUN
ajis01-10050	167	5	of	of	ADP
ajis01-10050	167	6	fomo	fomo	NOUN
ajis01-10050	167	7	when	when	SCONJ
ajis01-10050	167	8	deciding	decide	VERB
ajis01-10050	167	9	whether	whether	SCONJ
ajis01-10050	167	10	to	to	PART
ajis01-10050	167	11	use	use	VERB
ajis01-10050	167	12	fintech	fintech	NOUN
ajis01-10050	167	13	lending	lending	NOUN
ajis01-10050	167	14	.	.	PUNCT
ajis01-10050	168	1	fomo	fomo	NOUN
ajis01-10050	168	2	is	be	AUX
ajis01-10050	168	3	the	the	DET
ajis01-10050	168	4	fear	fear	NOUN
ajis01-10050	168	5	of	of	ADP
ajis01-10050	168	6	missing	miss	VERB
ajis01-10050	168	7	out	out	ADP
ajis01-10050	168	8	on	on	ADP
ajis01-10050	168	9	experiences	experience	NOUN
ajis01-10050	168	10	or	or	CCONJ
ajis01-10050	168	11	opportunities	opportunity	NOUN
ajis01-10050	168	12	,	,	PUNCT
ajis01-10050	168	13	often	often	ADV
ajis01-10050	168	14	amplified	amplify	VERB
ajis01-10050	168	15	by	by	ADP
ajis01-10050	168	16	social	social	ADJ
ajis01-10050	168	17	media	medium	NOUN
ajis01-10050	168	18	.	.	PUNCT
ajis01-10050	169	1	those	those	PRON
ajis01-10050	169	2	susceptible	susceptible	ADJ
ajis01-10050	169	3	to	to	ADP
ajis01-10050	169	4	fomo	fomo	NOUN
ajis01-10050	169	5	may	may	AUX
ajis01-10050	169	6	be	be	AUX
ajis01-10050	169	7	more	more	ADV
ajis01-10050	169	8	likely	likely	ADJ
ajis01-10050	169	9	to	to	PART
ajis01-10050	169	10	use	use	VERB
ajis01-10050	169	11	fintech	fintech	NOUN
ajis01-10050	169	12	lending	lending	NOUN
ajis01-10050	169	13	if	if	SCONJ
ajis01-10050	169	14	they	they	PRON
ajis01-10050	169	15	see	see	VERB
ajis01-10050	169	16	others	other	NOUN
ajis01-10050	169	17	doing	do	VERB
ajis01-10050	169	18	so	so	ADV
ajis01-10050	169	19	.	.	PUNCT
ajis01-10050	170	1	social	social	ADJ
ajis01-10050	170	2	media	medium	NOUN
ajis01-10050	170	3	exposes	expose	VERB
ajis01-10050	170	4	millennials	millennial	NOUN
ajis01-10050	170	5	to	to	ADP
ajis01-10050	170	6	positive	positive	ADJ
ajis01-10050	170	7	experiences	experience	NOUN
ajis01-10050	170	8	with	with	ADP
ajis01-10050	170	9	fintech	fintech	NOUN
ajis01-10050	170	10	lending	lending	NOUN
ajis01-10050	170	11	,	,	PUNCT
ajis01-10050	170	12	encouraging	encourage	VERB
ajis01-10050	170	13	them	they	PRON
ajis01-10050	170	14	to	to	PART
ajis01-10050	170	15	explore	explore	VERB
ajis01-10050	170	16	similar	similar	ADJ
ajis01-10050	170	17	services	service	NOUN
ajis01-10050	170	18	.	.	PUNCT
ajis01-10050	171	1	however	however	ADV
ajis01-10050	171	2	,	,	PUNCT
ajis01-10050	171	3	fomo	fomo	NOUN
ajis01-10050	171	4	can	can	AUX
ajis01-10050	171	5	overshadow	overshadow	VERB
ajis01-10050	171	6	financial	financial	ADJ
ajis01-10050	171	7	risks	risk	NOUN
ajis01-10050	171	8	,	,	PUNCT
ajis01-10050	171	9	causing	cause	VERB
ajis01-10050	171	10	millennials	millennial	NOUN
ajis01-10050	171	11	to	to	PART
ajis01-10050	171	12	overlook	overlook	VERB
ajis01-10050	171	13	fees	fee	NOUN
ajis01-10050	171	14	,	,	PUNCT
ajis01-10050	171	15	interest	interest	NOUN
ajis01-10050	171	16	rates	rate	NOUN
ajis01-10050	171	17	,	,	PUNCT
ajis01-10050	171	18	and	and	CCONJ
ajis01-10050	171	19	loan	loan	NOUN
ajis01-10050	171	20	responsibilities	responsibility	NOUN
ajis01-10050	171	21	.	.	PUNCT
ajis01-10050	172	1	this	this	PRON
ajis01-10050	172	2	can	can	AUX
ajis01-10050	172	3	lead	lead	VERB
ajis01-10050	172	4	to	to	ADP
ajis01-10050	172	5	financial	financial	ADJ
ajis01-10050	172	6	difficulties	difficulty	NOUN
ajis01-10050	172	7	if	if	SCONJ
ajis01-10050	172	8	they	they	PRON
ajis01-10050	172	9	make	make	VERB
ajis01-10050	172	10	hasty	hasty	ADJ
ajis01-10050	172	11	decisions	decision	NOUN
ajis01-10050	172	12	without	without	ADP
ajis01-10050	172	13	careful	careful	ADJ
ajis01-10050	172	14	evaluation	evaluation	NOUN
ajis01-10050	172	15	.	.	PUNCT
ajis01-10050	173	1	fintech	fintech	NOUN
ajis01-10050	173	2	companies	company	NOUN
ajis01-10050	173	3	worsen	worsen	VERB
ajis01-10050	173	4	the	the	DET
ajis01-10050	173	5	situation	situation	NOUN
ajis01-10050	173	6	by	by	ADP
ajis01-10050	173	7	using	use	VERB
ajis01-10050	173	8	marketing	marketing	NOUN
ajis01-10050	173	9	strategies	strategy	NOUN
ajis01-10050	173	10	that	that	PRON
ajis01-10050	173	11	capitalize	capitalize	VERB
ajis01-10050	173	12	on	on	ADP
ajis01-10050	173	13	fomo	fomo	NOUN
ajis01-10050	173	14	.	.	PUNCT
ajis01-10050	174	1	however	however	ADV
ajis01-10050	174	2	,	,	PUNCT
ajis01-10050	174	3	it	it	PRON
ajis01-10050	174	4	is	be	AUX
ajis01-10050	174	5	important	important	ADJ
ajis01-10050	174	6	to	to	PART
ajis01-10050	174	7	remember	remember	VERB
ajis01-10050	174	8	that	that	DET
ajis01-10050	174	9	fomo	fomo	NOUN
ajis01-10050	174	10	is	be	AUX
ajis01-10050	174	11	not	not	PART
ajis01-10050	174	12	the	the	DET
ajis01-10050	174	13	only	only	ADJ
ajis01-10050	174	14	factor	factor	NOUN
ajis01-10050	174	15	that	that	PRON
ajis01-10050	174	16	influences	influence	VERB
ajis01-10050	174	17	millennials	millennial	NOUN
ajis01-10050	174	18	'	'	PART
ajis01-10050	174	19	decision	decision	NOUN
ajis01-10050	174	20	-	-	PUNCT
ajis01-10050	174	21	making	making	NOUN
ajis01-10050	174	22	to	to	PART
ajis01-10050	174	23	use	use	VERB
ajis01-10050	174	24	fintech	fintech	NOUN
ajis01-10050	174	25	lending	lending	NOUN
ajis01-10050	174	26	.	.	PUNCT
ajis01-10050	175	1	other	other	ADJ
ajis01-10050	175	2	factors	factor	NOUN
ajis01-10050	175	3	such	such	ADJ
ajis01-10050	175	4	as	as	ADP
ajis01-10050	175	5	financial	financial	ADJ
ajis01-10050	175	6	education	education	NOUN
ajis01-10050	175	7	,	,	PUNCT
ajis01-10050	175	8	individual	individual	ADJ
ajis01-10050	175	9	financial	financial	ADJ
ajis01-10050	175	10	situation	situation	NOUN
ajis01-10050	175	11	,	,	PUNCT
ajis01-10050	175	12	and	and	CCONJ
ajis01-10050	175	13	understanding	understanding	NOUN
ajis01-10050	175	14	of	of	ADP
ajis01-10050	175	15	costs	cost	NOUN
ajis01-10050	175	16	and	and	CCONJ
ajis01-10050	175	17	risks	risk	NOUN
ajis01-10050	175	18	also	also	ADV
ajis01-10050	175	19	play	play	VERB
ajis01-10050	175	20	a	a	DET
ajis01-10050	175	21	significant	significant	ADJ
ajis01-10050	175	22	role	role	NOUN
ajis01-10050	175	23	.	.	PUNCT
ajis01-10050	176	1	therefore	therefore	ADV
ajis01-10050	176	2	,	,	PUNCT
ajis01-10050	176	3	millennials	millennial	NOUN
ajis01-10050	176	4	need	need	VERB
ajis01-10050	176	5	to	to	PART
ajis01-10050	176	6	make	make	VERB
ajis01-10050	176	7	careful	careful	ADJ
ajis01-10050	176	8	and	and	CCONJ
ajis01-10050	176	9	objective	objective	ADJ
ajis01-10050	176	10	considerations	consideration	NOUN
ajis01-10050	176	11	before	before	ADP
ajis01-10050	176	12	using	use	VERB
ajis01-10050	176	13	fintech	fintech	NOUN
ajis01-10050	176	14	lending	lending	NOUN
ajis01-10050	176	15	to	to	PART
ajis01-10050	176	16	avoid	avoid	VERB
ajis01-10050	176	17	being	be	AUX
ajis01-10050	176	18	trapped	trap	VERB
ajis01-10050	176	19	in	in	ADP
ajis01-10050	176	20	impulsive	impulsive	ADJ
ajis01-10050	176	21	or	or	CCONJ
ajis01-10050	176	22	risky	risky	ADJ
ajis01-10050	176	23	decisions	decision	NOUN
ajis01-10050	176	24	.	.	PUNCT
ajis01-10050	177	1	conclusion	conclusion	VERB
ajis01-10050	177	2	the	the	DET
ajis01-10050	177	3	relationship	relationship	NOUN
ajis01-10050	177	4	between	between	ADP
ajis01-10050	177	5	millennials	millennial	NOUN
ajis01-10050	177	6	'	'	PART
ajis01-10050	177	7	financial	financial	ADJ
ajis01-10050	177	8	behaviour	behaviour	NOUN
ajis01-10050	177	9	and	and	CCONJ
ajis01-10050	177	10	financial	financial	ADJ
ajis01-10050	177	11	literacy	literacy	NOUN
ajis01-10050	177	12	,	,	PUNCT
ajis01-10050	177	13	as	as	ADV
ajis01-10050	177	14	well	well	ADV
ajis01-10050	177	15	as	as	ADP
ajis01-10050	177	16	their	their	PRON
ajis01-10050	177	17	intention	intention	NOUN
ajis01-10050	177	18	to	to	PART
ajis01-10050	177	19	use	use	VERB
ajis01-10050	177	20	fintech	fintech	NOUN
ajis01-10050	177	21	lending	lending	NOUN
ajis01-10050	177	22	,	,	PUNCT
ajis01-10050	177	23	has	have	AUX
ajis01-10050	177	24	not	not	PART
ajis01-10050	177	25	been	be	AUX
ajis01-10050	177	26	proven	prove	VERB
ajis01-10050	177	27	.	.	PUNCT
ajis01-10050	178	1	instead	instead	ADV
ajis01-10050	178	2	,	,	PUNCT
ajis01-10050	178	3	financial	financial	ADJ
ajis01-10050	178	4	behaviour	behaviour	NOUN
ajis01-10050	178	5	indirectly	indirectly	ADV
ajis01-10050	178	6	influences	influence	VERB
ajis01-10050	178	7	the	the	DET
ajis01-10050	178	8	intention	intention	NOUN
ajis01-10050	178	9	to	to	PART
ajis01-10050	178	10	use	use	VERB
ajis01-10050	178	11	fintech	fintech	NOUN
ajis01-10050	178	12	lending	lending	NOUN
ajis01-10050	178	13	through	through	ADP
ajis01-10050	178	14	financial	financial	ADJ
ajis01-10050	178	15	literacy	literacy	NOUN
ajis01-10050	178	16	.	.	PUNCT
ajis01-10050	179	1	men	man	NOUN
ajis01-10050	179	2	show	show	VERB
ajis01-10050	179	3	a	a	DET
ajis01-10050	179	4	preference	preference	NOUN
ajis01-10050	179	5	for	for	ADP
ajis01-10050	179	6	fintech	fintech	NOUN
ajis01-10050	179	7	lending	lending	NOUN
ajis01-10050	179	8	compared	compare	VERB
ajis01-10050	179	9	to	to	ADP
ajis01-10050	179	10	women	woman	NOUN
ajis01-10050	179	11	,	,	PUNCT
ajis01-10050	179	12	but	but	CCONJ
ajis01-10050	179	13	there	there	PRON
ajis01-10050	179	14	is	be	VERB
ajis01-10050	179	15	no	no	DET
ajis01-10050	179	16	difference	difference	NOUN
ajis01-10050	179	17	in	in	ADP
ajis01-10050	179	18	attitudes	attitude	NOUN
ajis01-10050	179	19	and	and	CCONJ
ajis01-10050	179	20	subjective	subjective	ADJ
ajis01-10050	179	21	norms	norm	NOUN
ajis01-10050	179	22	.	.	PUNCT
ajis01-10050	180	1	those	those	PRON
ajis01-10050	180	2	with	with	ADP
ajis01-10050	180	3	lower	low	ADJ
ajis01-10050	180	4	education	education	NOUN
ajis01-10050	180	5	levels	level	NOUN
ajis01-10050	180	6	have	have	VERB
ajis01-10050	180	7	higher	high	ADJ
ajis01-10050	180	8	perceived	perceive	VERB
ajis01-10050	180	9	control	control	NOUN
ajis01-10050	180	10	behaviour	behaviour	NOUN
ajis01-10050	180	11	.	.	PUNCT
ajis01-10050	181	1	the	the	DET
ajis01-10050	181	2	study	study	NOUN
ajis01-10050	181	3	collected	collect	VERB
ajis01-10050	181	4	data	datum	NOUN
ajis01-10050	181	5	from	from	ADP
ajis01-10050	181	6	a	a	DET
ajis01-10050	181	7	gender	gender	NOUN
ajis01-10050	181	8	-	-	PUNCT
ajis01-10050	181	9	balanced	balance	VERB
ajis01-10050	181	10	sample	sample	NOUN
ajis01-10050	181	11	of	of	ADP
ajis01-10050	181	12	young	young	ADJ
ajis01-10050	181	13	,	,	PUNCT
ajis01-10050	181	14	highly	highly	ADV
ajis01-10050	181	15	educated	educate	VERB
ajis01-10050	181	16	individuals	individual	NOUN
ajis01-10050	181	17	through	through	ADP
ajis01-10050	181	18	an	an	DET
ajis01-10050	181	19	online	online	ADJ
ajis01-10050	181	20	survey	survey	NOUN
ajis01-10050	181	21	.	.	PUNCT
ajis01-10050	182	1	age	age	NOUN
ajis01-10050	182	2	and	and	CCONJ
ajis01-10050	182	3	marital	marital	ADJ
ajis01-10050	182	4	status	status	NOUN
ajis01-10050	182	5	did	do	AUX
ajis01-10050	182	6	not	not	PART
ajis01-10050	182	7	significantly	significantly	ADV
ajis01-10050	182	8	impact	impact	VERB
ajis01-10050	182	9	financial	financial	ADJ
ajis01-10050	182	10	behaviour	behaviour	NOUN
ajis01-10050	182	11	values	value	NOUN
ajis01-10050	182	12	.	.	PUNCT
ajis01-10050	183	1	this	this	DET
ajis01-10050	183	2	age	age	NOUN
ajis01-10050	183	3	group	group	NOUN
ajis01-10050	183	4	may	may	AUX
ajis01-10050	183	5	exhibit	exhibit	VERB
ajis01-10050	183	6	traits	trait	NOUN
ajis01-10050	183	7	such	such	ADJ
ajis01-10050	183	8	as	as	ADP
ajis01-10050	183	9	uncertainty	uncertainty	NOUN
ajis01-10050	183	10	avoidance	avoidance	NOUN
ajis01-10050	183	11	,	,	PUNCT
ajis01-10050	183	12	m.	m.	NOUN
ajis01-10050	183	13	kurnia	kurnia	PROPN
ajis01-10050	183	14	rahman	rahman	PROPN
ajis01-10050	183	15	abadi	abadi	PROPN
ajis01-10050	183	16	:	:	PUNCT
ajis01-10050	183	17	indonesian	indonesian	ADJ
ajis01-10050	183	18	millennial	millennial	ADJ
ajis01-10050	183	19	’s	’s	PART
ajis01-10050	183	20	financial	financial	ADJ
ajis01-10050	183	21	behaviour	behaviour	NOUN
ajis01-10050	183	22	|	|	ADV
ajis01-10050	183	23	114	114	NUM
ajis01-10050	183	24	assertiveness	assertiveness	NOUN
ajis01-10050	183	25	,	,	PUNCT
ajis01-10050	183	26	overconfidence	overconfidence	NOUN
ajis01-10050	183	27	,	,	PUNCT
ajis01-10050	183	28	and	and	CCONJ
ajis01-10050	183	29	a	a	DET
ajis01-10050	183	30	tendency	tendency	NOUN
ajis01-10050	183	31	to	to	PART
ajis01-10050	183	32	make	make	VERB
ajis01-10050	183	33	long	long	ADJ
ajis01-10050	183	34	-	-	PUNCT
ajis01-10050	183	35	term	term	NOUN
ajis01-10050	183	36	evaluations	evaluation	NOUN
ajis01-10050	183	37	.	.	PUNCT
ajis01-10050	184	1	the	the	DET
ajis01-10050	184	2	impact	impact	NOUN
ajis01-10050	184	3	of	of	ADP
ajis01-10050	184	4	age	age	NOUN
ajis01-10050	184	5	on	on	ADP
ajis01-10050	184	6	financial	financial	ADJ
ajis01-10050	184	7	literacy	literacy	NOUN
ajis01-10050	184	8	and	and	CCONJ
ajis01-10050	184	9	fintech	fintech	NOUN
ajis01-10050	184	10	lending	lending	NOUN
ajis01-10050	184	11	intention	intention	NOUN
ajis01-10050	184	12	is	be	AUX
ajis01-10050	184	13	uncertain	uncertain	ADJ
ajis01-10050	184	14	.	.	PUNCT
ajis01-10050	185	1	in	in	ADP
ajis01-10050	185	2	indonesia	indonesia	PROPN
ajis01-10050	185	3	,	,	PUNCT
ajis01-10050	185	4	men	man	NOUN
ajis01-10050	185	5	are	be	AUX
ajis01-10050	185	6	predominantly	predominantly	ADV
ajis01-10050	185	7	associated	associate	VERB
ajis01-10050	185	8	with	with	ADP
ajis01-10050	185	9	these	these	DET
ajis01-10050	185	10	factors	factor	NOUN
ajis01-10050	185	11	.	.	PUNCT
ajis01-10050	186	1	however	however	ADV
ajis01-10050	186	2	,	,	PUNCT
ajis01-10050	186	3	there	there	PRON
ajis01-10050	186	4	are	be	VERB
ajis01-10050	186	5	no	no	DET
ajis01-10050	186	6	prevailing	prevail	VERB
ajis01-10050	186	7	stereotypes	stereotype	NOUN
ajis01-10050	186	8	regarding	regard	VERB
ajis01-10050	186	9	attitudes	attitude	NOUN
ajis01-10050	186	10	and	and	CCONJ
ajis01-10050	186	11	norms	norm	NOUN
ajis01-10050	186	12	.	.	PUNCT
ajis01-10050	187	1	this	this	PRON
ajis01-10050	187	2	is	be	AUX
ajis01-10050	187	3	not	not	PART
ajis01-10050	187	4	surprising	surprising	ADJ
ajis01-10050	187	5	considering	consider	VERB
ajis01-10050	187	6	the	the	DET
ajis01-10050	187	7	country	country	NOUN
ajis01-10050	187	8	's	's	PART
ajis01-10050	187	9	blend	blend	NOUN
ajis01-10050	187	10	of	of	ADP
ajis01-10050	187	11	eastern	eastern	ADJ
ajis01-10050	187	12	and	and	CCONJ
ajis01-10050	187	13	western	western	ADJ
ajis01-10050	187	14	cultures	culture	NOUN
ajis01-10050	187	15	.	.	PUNCT
ajis01-10050	188	1	our	our	PRON
ajis01-10050	188	2	research	research	NOUN
ajis01-10050	188	3	shows	show	VERB
ajis01-10050	188	4	that	that	SCONJ
ajis01-10050	188	5	financial	financial	ADJ
ajis01-10050	188	6	literacy	literacy	NOUN
ajis01-10050	188	7	indirectly	indirectly	ADV
ajis01-10050	188	8	influences	influence	VERB
ajis01-10050	188	9	millennials	millennial	NOUN
ajis01-10050	188	10	'	'	PART
ajis01-10050	188	11	intention	intention	NOUN
ajis01-10050	188	12	to	to	PART
ajis01-10050	188	13	use	use	VERB
ajis01-10050	188	14	fintech	fintech	NOUN
ajis01-10050	188	15	lending	lending	NOUN
ajis01-10050	188	16	.	.	PUNCT
ajis01-10050	189	1	their	their	PRON
ajis01-10050	189	2	decision	decision	NOUN
ajis01-10050	189	3	is	be	AUX
ajis01-10050	189	4	influenced	influence	VERB
ajis01-10050	189	5	by	by	ADP
ajis01-10050	189	6	the	the	DET
ajis01-10050	189	7	information	information	NOUN
ajis01-10050	189	8	they	they	PRON
ajis01-10050	189	9	receive	receive	VERB
ajis01-10050	189	10	and	and	CCONJ
ajis01-10050	189	11	the	the	DET
ajis01-10050	189	12	fear	fear	NOUN
ajis01-10050	189	13	of	of	ADP
ajis01-10050	189	14	missing	miss	VERB
ajis01-10050	189	15	out	out	ADP
ajis01-10050	189	16	.	.	PUNCT
ajis01-10050	190	1	this	this	PRON
ajis01-10050	190	2	leads	lead	VERB
ajis01-10050	190	3	to	to	ADP
ajis01-10050	190	4	many	many	ADJ
ajis01-10050	190	5	cases	case	NOUN
ajis01-10050	190	6	of	of	ADP
ajis01-10050	190	7	fintech	fintech	NOUN
ajis01-10050	190	8	lending	lending	NOUN
ajis01-10050	190	9	among	among	ADP
ajis01-10050	190	10	indonesian	indonesian	ADJ
ajis01-10050	190	11	millennials.this	millennials.this	PRON
ajis01-10050	190	12	further	far	ADV
ajis01-10050	190	13	proves	prove	VERB
ajis01-10050	190	14	that	that	SCONJ
ajis01-10050	190	15	millennials	millennial	NOUN
ajis01-10050	190	16	in	in	ADP
ajis01-10050	190	17	indonesia	indonesia	PROPN
ajis01-10050	190	18	in	in	ADP
ajis01-10050	190	19	using	use	VERB
ajis01-10050	190	20	fintech	fintech	NOUN
ajis01-10050	190	21	lending	lending	NOUN
ajis01-10050	190	22	do	do	AUX
ajis01-10050	190	23	not	not	PART
ajis01-10050	190	24	depart	depart	VERB
ajis01-10050	190	25	from	from	ADP
ajis01-10050	190	26	self	self	NOUN
ajis01-10050	190	27	-	-	PUNCT
ajis01-10050	190	28	will	will	NOUN
ajis01-10050	190	29	,	,	PUNCT
ajis01-10050	190	30	or	or	CCONJ
ajis01-10050	190	31	even	even	ADV
ajis01-10050	190	32	the	the	DET
ajis01-10050	190	33	influence	influence	NOUN
ajis01-10050	190	34	or	or	CCONJ
ajis01-10050	190	35	support	support	NOUN
ajis01-10050	190	36	of	of	ADP
ajis01-10050	190	37	the	the	DET
ajis01-10050	190	38	closest	close	ADJ
ajis01-10050	190	39	people.22	people.22	NOUN
ajis01-10050	190	40	they	they	PRON
ajis01-10050	190	41	use	use	VERB
ajis01-10050	190	42	fintech	fintech	NOUN
ajis01-10050	190	43	lending	lending	NOUN
ajis01-10050	190	44	precisely	precisely	ADV
ajis01-10050	190	45	as	as	ADP
ajis01-10050	190	46	a	a	DET
ajis01-10050	190	47	result	result	NOUN
ajis01-10050	190	48	of	of	ADP
ajis01-10050	190	49	the	the	DET
ajis01-10050	190	50	information	information	NOUN
ajis01-10050	190	51	they	they	PRON
ajis01-10050	190	52	receive	receive	VERB
ajis01-10050	190	53	.	.	PUNCT
ajis01-10050	191	1	moreover	moreover	ADV
ajis01-10050	191	2	,	,	PUNCT
ajis01-10050	191	3	this	this	DET
ajis01-10050	191	4	generation	generation	NOUN
ajis01-10050	191	5	also	also	ADV
ajis01-10050	191	6	experiences	experience	VERB
ajis01-10050	191	7	fomo	fomo	ADJ
ajis01-10050	191	8	syndrome	syndrome	NOUN
ajis01-10050	191	9	.	.	PUNCT
ajis01-10050	192	1	that	that	PRON
ajis01-10050	192	2	is	be	AUX
ajis01-10050	192	3	,	,	PUNCT
ajis01-10050	192	4	they	they	PRON
ajis01-10050	192	5	use	use	VERB
ajis01-10050	192	6	or	or	CCONJ
ajis01-10050	192	7	consume	consume	VERB
ajis01-10050	192	8	a	a	DET
ajis01-10050	192	9	product	product	NOUN
ajis01-10050	192	10	instead	instead	ADV
ajis01-10050	192	11	of	of	ADP
ajis01-10050	192	12	learning	learn	VERB
ajis01-10050	192	13	and	and	CCONJ
ajis01-10050	192	14	knowing	know	VERB
ajis01-10050	192	15	the	the	DET
ajis01-10050	192	16	content	content	NOUN
ajis01-10050	192	17	of	of	ADP
ajis01-10050	192	18	the	the	DET
ajis01-10050	192	19	product	product	NOUN
ajis01-10050	192	20	,	,	PUNCT
ajis01-10050	192	21	but	but	CCONJ
ajis01-10050	192	22	only	only	ADV
ajis01-10050	192	23	from	from	ADP
ajis01-10050	192	24	information	information	NOUN
ajis01-10050	192	25	or	or	CCONJ
ajis01-10050	192	26	user	user	NOUN
ajis01-10050	192	27	testimonials	testimonial	NOUN
ajis01-10050	192	28	in	in	ADP
ajis01-10050	192	29	the	the	DET
ajis01-10050	192	30	media	medium	NOUN
ajis01-10050	192	31	.	.	PUNCT
ajis01-10050	193	1	therefore	therefore	ADV
ajis01-10050	193	2	,	,	PUNCT
ajis01-10050	193	3	it	it	PRON
ajis01-10050	193	4	is	be	AUX
ajis01-10050	193	5	quite	quite	ADV
ajis01-10050	193	6	normal	normal	ADJ
ajis01-10050	193	7	that	that	SCONJ
ajis01-10050	193	8	there	there	PRON
ajis01-10050	193	9	are	be	VERB
ajis01-10050	193	10	many	many	ADJ
ajis01-10050	193	11	cases	case	NOUN
ajis01-10050	193	12	of	of	ADP
ajis01-10050	193	13	fintech	fintech	NOUN
ajis01-10050	193	14	lending	lending	NOUN
ajis01-10050	193	15	among	among	ADP
ajis01-10050	193	16	millennials	millennial	NOUN
ajis01-10050	193	17	.	.	PUNCT
ajis01-10050	194	1	our	our	PRON
ajis01-10050	194	2	study	study	NOUN
ajis01-10050	194	3	provides	provide	VERB
ajis01-10050	194	4	valuable	valuable	ADJ
ajis01-10050	194	5	insights	insight	NOUN
ajis01-10050	194	6	for	for	ADP
ajis01-10050	194	7	scholars	scholar	NOUN
ajis01-10050	194	8	and	and	CCONJ
ajis01-10050	194	9	researchers	researcher	NOUN
ajis01-10050	194	10	on	on	ADP
ajis01-10050	194	11	the	the	DET
ajis01-10050	194	12	conscious	conscious	ADJ
ajis01-10050	194	13	and	and	CCONJ
ajis01-10050	194	14	unconscious	unconscious	ADJ
ajis01-10050	194	15	factors	factor	NOUN
ajis01-10050	194	16	that	that	PRON
ajis01-10050	194	17	explain	explain	VERB
ajis01-10050	194	18	fintech	fintech	NOUN
ajis01-10050	194	19	lending	lending	NOUN
ajis01-10050	194	20	intention	intention	NOUN
ajis01-10050	194	21	.	.	PUNCT
ajis01-10050	195	1	it	it	PRON
ajis01-10050	195	2	is	be	AUX
ajis01-10050	195	3	the	the	DET
ajis01-10050	195	4	first	first	ADJ
ajis01-10050	195	5	research	research	NOUN
ajis01-10050	195	6	to	to	PART
ajis01-10050	195	7	connect	connect	VERB
ajis01-10050	195	8	individual	individual	ADJ
ajis01-10050	195	9	financial	financial	ADJ
ajis01-10050	195	10	behaviour	behaviour	NOUN
ajis01-10050	195	11	values	value	NOUN
ajis01-10050	195	12	to	to	PART
ajis01-10050	195	13	use	use	VERB
ajis01-10050	195	14	fintech	fintech	NOUN
ajis01-10050	195	15	lending	lending	NOUN
ajis01-10050	195	16	among	among	ADP
ajis01-10050	195	17	indonesian	indonesian	ADJ
ajis01-10050	195	18	millennials	millennial	NOUN
ajis01-10050	195	19	.	.	PUNCT
ajis01-10050	196	1	our	our	PRON
ajis01-10050	196	2	findings	finding	NOUN
ajis01-10050	196	3	demonstrate	demonstrate	VERB
ajis01-10050	196	4	that	that	SCONJ
ajis01-10050	196	5	financial	financial	ADJ
ajis01-10050	196	6	behaviour	behaviour	NOUN
ajis01-10050	196	7	can	can	AUX
ajis01-10050	196	8	be	be	AUX
ajis01-10050	196	9	influenced	influence	VERB
ajis01-10050	196	10	by	by	ADP
ajis01-10050	196	11	conscious	conscious	ADJ
ajis01-10050	196	12	factors	factor	NOUN
ajis01-10050	196	13	,	,	PUNCT
ajis01-10050	196	14	making	make	VERB
ajis01-10050	196	15	a	a	DET
ajis01-10050	196	16	unique	unique	ADJ
ajis01-10050	196	17	contribution	contribution	NOUN
ajis01-10050	196	18	to	to	ADP
ajis01-10050	196	19	existing	exist	VERB
ajis01-10050	196	20	literature	literature	NOUN
ajis01-10050	196	21	.	.	PUNCT
ajis01-10050	197	1	we	we	PRON
ajis01-10050	197	2	offer	offer	VERB
ajis01-10050	197	3	important	important	ADJ
ajis01-10050	197	4	recommendations	recommendation	NOUN
ajis01-10050	197	5	for	for	ADP
ajis01-10050	197	6	stakeholders	stakeholder	NOUN
ajis01-10050	197	7	,	,	PUNCT
ajis01-10050	197	8	financial	financial	ADJ
ajis01-10050	197	9	associations	association	NOUN
ajis01-10050	197	10	,	,	PUNCT
ajis01-10050	197	11	and	and	CCONJ
ajis01-10050	197	12	local	local	ADJ
ajis01-10050	197	13	authorities	authority	NOUN
ajis01-10050	197	14	,	,	PUNCT
ajis01-10050	197	15	emphasizing	emphasize	VERB
ajis01-10050	197	16	the	the	DET
ajis01-10050	197	17	need	need	NOUN
ajis01-10050	197	18	for	for	ADP
ajis01-10050	197	19	vigilance	vigilance	NOUN
ajis01-10050	197	20	regarding	regard	VERB
ajis01-10050	197	21	millennials	millennial	NOUN
ajis01-10050	197	22	'	'	PART
ajis01-10050	197	23	financial	financial	ADJ
ajis01-10050	197	24	behaviours	behaviour	NOUN
ajis01-10050	197	25	.	.	PUNCT
ajis01-10050	198	1	overall	overall	ADV
ajis01-10050	198	2	,	,	PUNCT
ajis01-10050	198	3	our	our	PRON
ajis01-10050	198	4	study	study	NOUN
ajis01-10050	198	5	contributes	contribute	VERB
ajis01-10050	198	6	to	to	ADP
ajis01-10050	198	7	the	the	DET
ajis01-10050	198	8	existing	exist	VERB
ajis01-10050	198	9	literature	literature	NOUN
ajis01-10050	198	10	and	and	CCONJ
ajis01-10050	198	11	provides	provide	VERB
ajis01-10050	198	12	valuable	valuable	ADJ
ajis01-10050	198	13	insights	insight	NOUN
ajis01-10050	198	14	for	for	ADP
ajis01-10050	198	15	various	various	ADJ
ajis01-10050	198	16	stakeholders	stakeholder	NOUN
ajis01-10050	198	17	,	,	PUNCT
ajis01-10050	198	18	particularly	particularly	ADV
ajis01-10050	198	19	22	22	NUM
ajis01-10050	198	20	aditya	aditya	PROPN
ajis01-10050	198	21	pangestu	pangestu	PROPN
ajis01-10050	198	22	and	and	CCONJ
ajis01-10050	198	23	batara	batara	PROPN
ajis01-10050	198	24	daniel	daniel	PROPN
ajis01-10050	198	25	bagana	bagana	PROPN
ajis01-10050	198	26	,	,	PUNCT
ajis01-10050	198	27	“	"	PUNCT
ajis01-10050	198	28	faktor	faktor	ADJ
ajis01-10050	198	29	-	-	PUNCT
ajis01-10050	198	30	faktor	faktor	NOUN
ajis01-10050	198	31	yang	yang	PROPN
ajis01-10050	198	32	mempengaruhi	mempengaruhi	PROPN
ajis01-10050	198	33	minat	minat	PROPN
ajis01-10050	198	34	investasi	investasi	PROPN
ajis01-10050	198	35	generasi	generasi	PROPN
ajis01-10050	198	36	milenial	milenial	PROPN
ajis01-10050	198	37	di	di	PROPN
ajis01-10050	198	38	kota	kota	PROPN
ajis01-10050	198	39	semarang	semarang	PROPN
ajis01-10050	198	40	,	,	PUNCT
ajis01-10050	198	41	”	"	PUNCT
ajis01-10050	198	42	e	e	NOUN
ajis01-10050	198	43	-	-	NOUN
ajis01-10050	198	44	bisnis	bisnis	NOUN
ajis01-10050	198	45	 	 	SPACE
ajis01-10050	198	46	:	:	PUNCT
ajis01-10050	198	47	jurnal	jurnal	ADJ
ajis01-10050	198	48	ilmiah	ilmiah	PROPN
ajis01-10050	198	49	ekonomi	ekonomi	PROPN
ajis01-10050	198	50	dan	dan	PROPN
ajis01-10050	198	51	bisnis	bisnis	PROPN
ajis01-10050	198	52	15	15	NUM
ajis01-10050	198	53	,	,	PUNCT
ajis01-10050	198	54	no	no	INTJ
ajis01-10050	198	55	.	.	NOUN
ajis01-10050	198	56	2	2	NUM
ajis01-10050	198	57	(	(	PUNCT
ajis01-10050	198	58	2022	2022	NUM
ajis01-10050	198	59	):	):	PUNCT
ajis01-10050	198	60	212–20	212–20	NUM
ajis01-10050	198	61	,	,	PUNCT
ajis01-10050	198	62	https://doi.org/10.51903/e-bisnis.v15i2.671	https://doi.org/10.51903/e-bisnis.v15i2.671	NOUN
ajis01-10050	198	63	.	.	PUNCT
ajis01-10050	199	1	115	115	NUM
ajis01-10050	200	1	|	|	ADV
ajis01-10050	200	2	ajis	ajis	ADV
ajis01-10050	200	3	:	:	PUNCT
ajis01-10050	200	4	academic	academic	ADJ
ajis01-10050	200	5	journal	journal	NOUN
ajis01-10050	200	6	of	of	ADP
ajis01-10050	200	7	islamic	islamic	PROPN
ajis01-10050	200	8	studies	study	NOUN
ajis01-10050	200	9	,	,	PUNCT
ajis01-10050	200	10	vol	vol	NOUN
ajis01-10050	200	11	.	.	PROPN
ajis01-10050	201	1	9	9	NUM
ajis01-10050	201	2	,	,	PUNCT
ajis01-10050	201	3	no	no	INTJ
ajis01-10050	201	4	.	.	NOUN
ajis01-10050	201	5	1	1	NUM
ajis01-10050	201	6	,	,	PUNCT
ajis01-10050	201	7	2024	2024	NUM
ajis01-10050	201	8	in	in	ADP
ajis01-10050	201	9	understanding	understand	VERB
ajis01-10050	201	10	the	the	DET
ajis01-10050	201	11	impact	impact	NOUN
ajis01-10050	201	12	of	of	ADP
ajis01-10050	201	13	behaviours	behaviour	NOUN
ajis01-10050	201	14	on	on	ADP
ajis01-10050	201	15	product	product	NOUN
ajis01-10050	201	16	decisions	decision	NOUN
ajis01-10050	201	17	.	.	PUNCT
ajis01-10050	202	1	this	this	PRON
ajis01-10050	202	2	includes	include	VERB
ajis01-10050	202	3	the	the	DET
ajis01-10050	202	4	high	high	ADJ
ajis01-10050	202	5	susceptibility	susceptibility	NOUN
ajis01-10050	202	6	of	of	ADP
ajis01-10050	202	7	millennials	millennial	NOUN
ajis01-10050	202	8	to	to	ADP
ajis01-10050	202	9	the	the	DET
ajis01-10050	202	10	fear	fear	NOUN
ajis01-10050	202	11	of	of	ADP
ajis01-10050	202	12	missing	miss	VERB
ajis01-10050	202	13	out	out	ADP
ajis01-10050	202	14	(	(	PUNCT
ajis01-10050	202	15	fomo	fomo	NOUN
ajis01-10050	202	16	)	)	PUNCT
ajis01-10050	202	17	syndrome	syndrome	NOUN
ajis01-10050	202	18	.	.	PUNCT
ajis01-10050	203	1	financial	financial	ADJ
ajis01-10050	203	2	institutions	institution	NOUN
ajis01-10050	203	3	and	and	CCONJ
ajis01-10050	203	4	investment	investment	NOUN
ajis01-10050	203	5	managers	manager	NOUN
ajis01-10050	203	6	must	must	AUX
ajis01-10050	203	7	recognize	recognize	VERB
ajis01-10050	203	8	the	the	DET
ajis01-10050	203	9	diverse	diverse	ADJ
ajis01-10050	203	10	expectations	expectation	NOUN
ajis01-10050	203	11	of	of	ADP
ajis01-10050	203	12	their	their	PRON
ajis01-10050	203	13	clients	client	NOUN
ajis01-10050	203	14	and	and	CCONJ
ajis01-10050	203	15	understand	understand	VERB
ajis01-10050	203	16	the	the	DET
ajis01-10050	203	17	emotional	emotional	ADJ
ajis01-10050	203	18	and	and	CCONJ
ajis01-10050	203	19	cognitive	cognitive	ADJ
ajis01-10050	203	20	processes	process	NOUN
ajis01-10050	203	21	involved	involve	VERB
ajis01-10050	203	22	in	in	ADP
ajis01-10050	203	23	decision	decision	NOUN
ajis01-10050	203	24	-	-	PUNCT
ajis01-10050	203	25	making	making	NOUN
ajis01-10050	203	26	.	.	PUNCT
ajis01-10050	204	1	they	they	PRON
ajis01-10050	204	2	should	should	AUX
ajis01-10050	204	3	also	also	ADV
ajis01-10050	204	4	consider	consider	VERB
ajis01-10050	204	5	the	the	DET
ajis01-10050	204	6	influence	influence	NOUN
ajis01-10050	204	7	of	of	ADP
ajis01-10050	204	8	unconscious	unconscious	ADJ
ajis01-10050	204	9	processes	process	NOUN
ajis01-10050	204	10	and	and	CCONJ
ajis01-10050	204	11	how	how	SCONJ
ajis01-10050	204	12	their	their	PRON
ajis01-10050	204	13	guidance	guidance	NOUN
ajis01-10050	204	14	and	and	CCONJ
ajis01-10050	204	15	choices	choice	NOUN
ajis01-10050	204	16	affect	affect	VERB
ajis01-10050	204	17	both	both	CCONJ
ajis01-10050	204	18	conscious	conscious	ADJ
ajis01-10050	204	19	and	and	CCONJ
ajis01-10050	204	20	subconscious	subconscious	ADJ
ajis01-10050	204	21	levels	level	NOUN
ajis01-10050	204	22	.	.	PUNCT
ajis01-10050	205	1	public	public	ADJ
ajis01-10050	205	2	authorities	authority	NOUN
ajis01-10050	205	3	should	should	AUX
ajis01-10050	205	4	be	be	AUX
ajis01-10050	205	5	aware	aware	ADJ
ajis01-10050	205	6	of	of	ADP
ajis01-10050	205	7	the	the	DET
ajis01-10050	205	8	fomo	fomo	NOUN
ajis01-10050	205	9	syndrome	syndrome	NOUN
ajis01-10050	205	10	and	and	CCONJ
ajis01-10050	205	11	its	its	PRON
ajis01-10050	205	12	impact	impact	NOUN
ajis01-10050	205	13	on	on	ADP
ajis01-10050	205	14	individuals	individual	NOUN
ajis01-10050	205	15	and	and	CCONJ
ajis01-10050	205	16	groups	group	NOUN
ajis01-10050	205	17	.	.	PUNCT
ajis01-10050	206	1	decision	decision	NOUN
ajis01-10050	206	2	-	-	PUNCT
ajis01-10050	206	3	making	making	NOUN
ajis01-10050	206	4	is	be	AUX
ajis01-10050	206	5	influenced	influence	VERB
ajis01-10050	206	6	by	by	ADP
ajis01-10050	206	7	emotions	emotion	NOUN
ajis01-10050	206	8	and	and	CCONJ
ajis01-10050	206	9	unconscious	unconscious	ADJ
ajis01-10050	206	10	processes	process	NOUN
ajis01-10050	206	11	,	,	PUNCT
ajis01-10050	206	12	not	not	PART
ajis01-10050	206	13	just	just	ADV
ajis01-10050	206	14	information	information	NOUN
ajis01-10050	206	15	.	.	PUNCT
ajis01-10050	207	1	references	reference	NOUN
ajis01-10050	207	2	abadi	abadi	PROPN
ajis01-10050	207	3	,	,	PUNCT
ajis01-10050	207	4	m.	m.	NOUN
ajis01-10050	207	5	kurnia	kurnia	PROPN
ajis01-10050	207	6	rahman	rahman	PROPN
ajis01-10050	207	7	,	,	PUNCT
ajis01-10050	207	8	and	and	CCONJ
ajis01-10050	207	9	hairul	hairul	PROPN
ajis01-10050	207	10	azlan	azlan	PROPN
ajis01-10050	207	11	bin	bin	PROPN
ajis01-10050	207	12	annuar	annuar	PROPN
ajis01-10050	207	13	.	.	PUNCT
ajis01-10050	208	1	“	"	PUNCT
ajis01-10050	208	2	financial	financial	ADJ
ajis01-10050	208	3	behaviour	behaviour	NOUN
ajis01-10050	208	4	,	,	PUNCT
ajis01-10050	208	5	financial	financial	ADJ
ajis01-10050	208	6	self	self	NOUN
ajis01-10050	208	7	efficacy	efficacy	NOUN
ajis01-10050	208	8	and	and	CCONJ
ajis01-10050	208	9	intention	intention	NOUN
ajis01-10050	208	10	to	to	PART
ajis01-10050	208	11	invest	invest	VERB
ajis01-10050	208	12	in	in	ADP
ajis01-10050	208	13	cryptocurrency	cryptocurrency	NOUN
ajis01-10050	208	14	.	.	PUNCT
ajis01-10050	208	15	”	"	PUNCT
ajis01-10050	209	1	al	al	PROPN
ajis01-10050	209	2	tijarah	tijarah	PROPN
ajis01-10050	209	3	9	9	NUM
ajis01-10050	209	4	,	,	PUNCT
ajis01-10050	209	5	no	no	INTJ
ajis01-10050	209	6	.	.	NOUN
ajis01-10050	209	7	2	2	NUM
ajis01-10050	209	8	(	(	PUNCT
ajis01-10050	209	9	2023	2023	NUM
ajis01-10050	209	10	):	):	PUNCT
ajis01-10050	209	11	120–35	120–35	NUM
ajis01-10050	209	12	.	.	PUNCT
ajis01-10050	210	1	https://doi.org/10.21111/at.v9i2.11186	https://doi.org/10.21111/at.v9i2.11186	PROPN
ajis01-10050	210	2	.	.	PUNCT
ajis01-10050	211	1	abadi	abadi	PROPN
ajis01-10050	211	2	,	,	PUNCT
ajis01-10050	211	3	m	m	PROPN
ajis01-10050	211	4	kurnia	kurnia	PROPN
ajis01-10050	211	5	rahman	rahman	PROPN
ajis01-10050	211	6	,	,	PUNCT
ajis01-10050	211	7	and	and	CCONJ
ajis01-10050	211	8	hamdino	hamdino	PROPN
ajis01-10050	211	9	bin	bin	PROPN
ajis01-10050	211	10	hamdan	hamdan	PROPN
ajis01-10050	211	11	.	.	PUNCT
ajis01-10050	212	1	“	"	PUNCT
ajis01-10050	212	2	individual	individual	ADJ
ajis01-10050	212	3	cultural	cultural	ADJ
ajis01-10050	212	4	values	value	NOUN
ajis01-10050	212	5	and	and	CCONJ
ajis01-10050	212	6	profit	profit	NOUN
ajis01-10050	212	7	expectations	expectation	NOUN
ajis01-10050	212	8	on	on	ADP
ajis01-10050	212	9	investment	investment	NOUN
ajis01-10050	212	10	intentions	intention	NOUN
ajis01-10050	212	11	in	in	ADP
ajis01-10050	212	12	crypto	crypto	PROPN
ajis01-10050	212	13	currency	currency	NOUN
ajis01-10050	212	14	 	 	SPACE
ajis01-10050	212	15	:	:	PUNCT
ajis01-10050	212	16	religiosity	religiosity	NOUN
ajis01-10050	212	17	as	as	ADP
ajis01-10050	212	18	a	a	DET
ajis01-10050	212	19	moderating	moderate	VERB
ajis01-10050	212	20	variable	variable	NOUN
ajis01-10050	212	21	.	.	PUNCT
ajis01-10050	212	22	”	"	PUNCT
ajis01-10050	213	1	baskara	baskara	NOUN
ajis01-10050	213	2	 	 	SPACE
ajis01-10050	213	3	:	:	PUNCT
ajis01-10050	213	4	journal	journal	NOUN
ajis01-10050	213	5	of	of	ADP
ajis01-10050	213	6	business	business	NOUN
ajis01-10050	213	7	and	and	CCONJ
ajis01-10050	213	8	entrepreneurship	entrepreneurship	NOUN
ajis01-10050	213	9	6	6	NUM
ajis01-10050	213	10	,	,	PUNCT
ajis01-10050	213	11	no	no	INTJ
ajis01-10050	213	12	.	.	NOUN
ajis01-10050	213	13	01	01	NUM
ajis01-10050	214	1	(	(	PUNCT
ajis01-10050	214	2	2023	2023	NUM
ajis01-10050	214	3	):	):	PUNCT
ajis01-10050	214	4	62–84	62–84	NUM
ajis01-10050	214	5	.	.	PUNCT
ajis01-10050	215	1	https://doi.org/https://doi.org/10.54268/baskara.v6i1.18657	https://doi.org/https://doi.org/10.54268/baskara.v6i1.18657	PROPN
ajis01-10050	215	2	.	.	PUNCT
ajis01-10050	216	1	aisaiti	aisaiti	PROPN
ajis01-10050	216	2	,	,	PUNCT
ajis01-10050	216	3	gulizhaer	gulizhaer	NOUN
ajis01-10050	216	4	,	,	PUNCT
ajis01-10050	216	5	luhao	luhao	PROPN
ajis01-10050	216	6	liu	liu	PROPN
ajis01-10050	216	7	,	,	PUNCT
ajis01-10050	216	8	jiaping	jiaping	PROPN
ajis01-10050	216	9	xie	xie	PROPN
ajis01-10050	216	10	,	,	PUNCT
ajis01-10050	216	11	and	and	CCONJ
ajis01-10050	216	12	jun	jun	PROPN
ajis01-10050	216	13	yang	yang	PROPN
ajis01-10050	216	14	.	.	PUNCT
ajis01-10050	217	1	“	"	PUNCT
ajis01-10050	217	2	an	an	DET
ajis01-10050	217	3	empirical	empirical	ADJ
ajis01-10050	217	4	analysis	analysis	NOUN
ajis01-10050	217	5	of	of	ADP
ajis01-10050	217	6	rural	rural	ADJ
ajis01-10050	217	7	farmers	farmer	NOUN
ajis01-10050	217	8	’	’	PART
ajis01-10050	217	9	financing	financing	NOUN
ajis01-10050	217	10	intention	intention	NOUN
ajis01-10050	217	11	of	of	ADP
ajis01-10050	217	12	inclusive	inclusive	ADJ
ajis01-10050	217	13	finance	finance	NOUN
ajis01-10050	217	14	in	in	ADP
ajis01-10050	217	15	china	china	PROPN
ajis01-10050	217	16	:	:	PUNCT
ajis01-10050	217	17	the	the	DET
ajis01-10050	217	18	moderating	moderate	VERB
ajis01-10050	217	19	role	role	NOUN
ajis01-10050	217	20	of	of	ADP
ajis01-10050	217	21	digital	digital	ADJ
ajis01-10050	217	22	finance	finance	NOUN
ajis01-10050	217	23	and	and	CCONJ
ajis01-10050	217	24	social	social	ADJ
ajis01-10050	217	25	enterprise	enterprise	NOUN
ajis01-10050	217	26	embeddedness	embeddedness	NOUN
ajis01-10050	217	27	.	.	PUNCT
ajis01-10050	217	28	”	"	PUNCT
ajis01-10050	218	1	industrial	industrial	ADJ
ajis01-10050	218	2	management	management	NOUN
ajis01-10050	218	3	and	and	CCONJ
ajis01-10050	218	4	data	datum	NOUN
ajis01-10050	218	5	systems	system	NOUN
ajis01-10050	218	6	119	119	NUM
ajis01-10050	218	7	,	,	PUNCT
ajis01-10050	218	8	no	no	INTJ
ajis01-10050	218	9	.	.	NOUN
ajis01-10050	218	10	7	7	NUM
ajis01-10050	218	11	(	(	PUNCT
ajis01-10050	218	12	2019	2019	NUM
ajis01-10050	218	13	):	):	PUNCT
ajis01-10050	218	14	1535–63	1535–63	NUM
ajis01-10050	218	15	.	.	PUNCT
ajis01-10050	219	1	https://doi.org/10.1108/imds-08-2018-0374	https://doi.org/10.1108/imds-08-2018-0374	NOUN
ajis01-10050	219	2	.	.	PUNCT
ajis01-10050	220	1	aren	aren	PROPN
ajis01-10050	220	2	,	,	PUNCT
ajis01-10050	220	3	selim	selim	PROPN
ajis01-10050	220	4	,	,	PUNCT
ajis01-10050	220	5	and	and	CCONJ
ajis01-10050	220	6	hatice	hatice	NOUN
ajis01-10050	220	7	nayman	nayman	NOUN
ajis01-10050	220	8	hamamci	hamamci	NOUN
ajis01-10050	220	9	.	.	PUNCT
ajis01-10050	221	1	“	"	PUNCT
ajis01-10050	221	2	relationship	relationship	NOUN
ajis01-10050	221	3	between	between	ADP
ajis01-10050	221	4	risk	risk	NOUN
ajis01-10050	221	5	aversion	aversion	NOUN
ajis01-10050	221	6	,	,	PUNCT
ajis01-10050	221	7	risky	risky	ADJ
ajis01-10050	221	8	investment	investment	NOUN
ajis01-10050	221	9	intention	intention	NOUN
ajis01-10050	221	10	,	,	PUNCT
ajis01-10050	221	11	investment	investment	NOUN
ajis01-10050	221	12	choices	choice	NOUN
ajis01-10050	221	13	:	:	PUNCT
ajis01-10050	221	14	impact	impact	NOUN
ajis01-10050	221	15	of	of	ADP
ajis01-10050	221	16	personality	personality	NOUN
ajis01-10050	221	17	traits	trait	NOUN
ajis01-10050	221	18	and	and	CCONJ
ajis01-10050	221	19	emotion	emotion	NOUN
ajis01-10050	221	20	.	.	PUNCT
ajis01-10050	221	21	”	"	PUNCT
ajis01-10050	221	22	kybernetes	kybernete	VERB
ajis01-10050	221	23	49	49	NUM
ajis01-10050	221	24	,	,	PUNCT
ajis01-10050	221	25	no	no	INTJ
ajis01-10050	221	26	.	.	NOUN
ajis01-10050	221	27	11	11	NUM
ajis01-10050	221	28	(	(	PUNCT
ajis01-10050	221	29	2020	2020	NUM
ajis01-10050	221	30	):	):	PUNCT
ajis01-10050	221	31	2651–82	2651–82	NOUN
ajis01-10050	221	32	.	.	PUNCT
ajis01-10050	222	1	https://doi.org/10.1108/k-07-2019-0455	https://doi.org/10.1108/k-07-2019-0455	PROPN
ajis01-10050	222	2	.	.	PUNCT
ajis01-10050	222	3	bazzana	bazzana	PROPN
ajis01-10050	222	4	,	,	PUNCT
ajis01-10050	222	5	flavio	flavio	PROPN
ajis01-10050	222	6	.	.	PUNCT
ajis01-10050	223	1	“	"	PUNCT
ajis01-10050	223	2	the	the	DET
ajis01-10050	223	3	emergence	emergence	NOUN
ajis01-10050	223	4	of	of	ADP
ajis01-10050	223	5	disruptive	disruptive	ADJ
ajis01-10050	223	6	technological	technological	ADJ
ajis01-10050	223	7	innovation	innovation	NOUN
ajis01-10050	223	8	in	in	ADP
ajis01-10050	223	9	the	the	DET
ajis01-10050	223	10	financial	financial	ADJ
ajis01-10050	223	11	sector	sector	NOUN
ajis01-10050	223	12	 	 	SPACE
ajis01-10050	223	13	:	:	PUNCT
ajis01-10050	223	14	impact	impact	NOUN
ajis01-10050	223	15	on	on	ADP
ajis01-10050	223	16	bank	bank	NOUN
ajis01-10050	223	17	business	business	NOUN
ajis01-10050	223	18	models	model	NOUN
ajis01-10050	223	19	and	and	CCONJ
ajis01-10050	223	20	the	the	DET
ajis01-10050	223	21	m.	m.	NOUN
ajis01-10050	223	22	kurnia	kurnia	PROPN
ajis01-10050	223	23	rahman	rahman	PROPN
ajis01-10050	223	24	abadi	abadi	PROPN
ajis01-10050	223	25	:	:	PUNCT
ajis01-10050	223	26	indonesian	indonesian	ADJ
ajis01-10050	223	27	millennial	millennial	ADJ
ajis01-10050	223	28	’s	’s	PART
ajis01-10050	223	29	financial	financial	ADJ
ajis01-10050	223	30	behaviour	behaviour	NOUN
ajis01-10050	223	31	|	|	ADV
ajis01-10050	223	32	116	116	NUM
ajis01-10050	223	33	regulatory	regulatory	ADJ
ajis01-10050	223	34	framework	framework	NOUN
ajis01-10050	223	35	.	.	PUNCT
ajis01-10050	224	1	,	,	PUNCT
ajis01-10050	224	2	”	"	PUNCT
ajis01-10050	224	3	no	no	NOUN
ajis01-10050	224	4	.	.	NOUN
ajis01-10050	224	5	2	2	NUM
ajis01-10050	224	6	(	(	PUNCT
ajis01-10050	224	7	2017	2017	NUM
ajis01-10050	224	8	):	):	PUNCT
ajis01-10050	224	9	2	2	NUM
ajis01-10050	224	10	.	.	X
ajis01-10050	225	1	www.unitn.it/alfresco/download/workspace/spacesstore/dc1e1ad	www.unitn.it/alfresco/download/workspace/spacesstore/dc1e1ad	PROPN
ajis01-10050	225	2	0	0	NUM
ajis01-10050	225	3	-	-	PUNCT
ajis01-10050	225	4	aec9	aec9	PROPN
ajis01-10050	225	5	-	-	PUNCT
ajis01-10050	225	6	4ce7	4ce7	PROPN
ajis01-10050	225	7	-	-	PUNCT
ajis01-10050	225	8	973b-1c90e3b21b61	973b-1c90e3b21b61	NUM
ajis01-10050	225	9	/	/	SYM
ajis01-10050	225	10	proposal	proposal	NOUN
ajis01-10050	225	11	fintech.pdf	fintech.pdf	PROPN
ajis01-10050	225	12	.	.	PUNCT
ajis01-10050	226	1	çal	çal	ADJ
ajis01-10050	226	2	,	,	PUNCT
ajis01-10050	226	3	betül	betül	NOUN
ajis01-10050	226	4	,	,	PUNCT
ajis01-10050	226	5	and	and	CCONJ
ajis01-10050	226	6	mary	mary	PROPN
ajis01-10050	226	7	lambkin	lambkin	PROPN
ajis01-10050	226	8	.	.	PUNCT
ajis01-10050	227	1	“	"	PUNCT
ajis01-10050	227	2	stock	stock	NOUN
ajis01-10050	227	3	exchange	exchange	NOUN
ajis01-10050	227	4	brands	brand	NOUN
ajis01-10050	227	5	as	as	ADP
ajis01-10050	227	6	an	an	DET
ajis01-10050	227	7	influence	influence	NOUN
ajis01-10050	227	8	on	on	ADP
ajis01-10050	227	9	investor	investor	NOUN
ajis01-10050	227	10	behavior	behavior	NOUN
ajis01-10050	227	11	.	.	PUNCT
ajis01-10050	227	12	”	"	PUNCT
ajis01-10050	228	1	international	international	ADJ
ajis01-10050	228	2	journal	journal	NOUN
ajis01-10050	228	3	of	of	ADP
ajis01-10050	228	4	bank	bank	PROPN
ajis01-10050	228	5	marketing	marketing	NOUN
ajis01-10050	228	6	35	35	NUM
ajis01-10050	228	7	,	,	PUNCT
ajis01-10050	228	8	no	no	INTJ
ajis01-10050	228	9	.	.	NOUN
ajis01-10050	228	10	3	3	NUM
ajis01-10050	228	11	(	(	PUNCT
ajis01-10050	228	12	2017	2017	NUM
ajis01-10050	228	13	):	):	PUNCT
ajis01-10050	228	14	391–410	391–410	NUM
ajis01-10050	228	15	.	.	PUNCT
ajis01-10050	229	1	https://doi.org/10.1108/ijbm-05-2016-0072	https://doi.org/10.1108/ijbm-05-2016-0072	PROPN
ajis01-10050	229	2	.	.	PUNCT
ajis01-10050	230	1	chong	chong	PROPN
ajis01-10050	230	2	,	,	PUNCT
ajis01-10050	230	3	felicia	felicia	PROPN
ajis01-10050	230	4	hui	hui	PROPN
ajis01-10050	230	5	ling	ling	PROPN
ajis01-10050	230	6	.	.	PUNCT
ajis01-10050	231	1	“	"	PUNCT
ajis01-10050	231	2	enhancing	enhance	VERB
ajis01-10050	231	3	trust	trust	NOUN
ajis01-10050	231	4	through	through	ADP
ajis01-10050	231	5	digital	digital	ADJ
ajis01-10050	231	6	islamic	islamic	PROPN
ajis01-10050	231	7	finance	finance	PROPN
ajis01-10050	231	8	and	and	CCONJ
ajis01-10050	231	9	blockchain	blockchain	PROPN
ajis01-10050	231	10	technology	technology	PROPN
ajis01-10050	231	11	.	.	PUNCT
ajis01-10050	231	12	”	"	PUNCT
ajis01-10050	232	1	qualitative	qualitative	ADJ
ajis01-10050	232	2	research	research	NOUN
ajis01-10050	232	3	in	in	ADP
ajis01-10050	232	4	financial	financial	ADJ
ajis01-10050	232	5	markets	market	NOUN
ajis01-10050	232	6	13	13	NUM
ajis01-10050	232	7	,	,	PUNCT
ajis01-10050	232	8	no	no	INTJ
ajis01-10050	232	9	.	.	NOUN
ajis01-10050	232	10	3	3	NUM
ajis01-10050	232	11	(	(	PUNCT
ajis01-10050	232	12	2021	2021	NUM
ajis01-10050	232	13	):	):	PUNCT
ajis01-10050	232	14	328–41	328–41	NUM
ajis01-10050	232	15	.	.	PUNCT
ajis01-10050	233	1	https://doi.org/10.1108/qrfm05-2020-0076	https://doi.org/10.1108/qrfm05-2020-0076	PROPN
ajis01-10050	233	2	.	.	PUNCT
ajis01-10050	233	3	daiyabu	daiyabu	PROPN
ajis01-10050	233	4	,	,	PUNCT
ajis01-10050	233	5	yusuf	yusuf	PROPN
ajis01-10050	233	6	abdulkarim	abdulkarim	NOUN
ajis01-10050	233	7	,	,	PUNCT
ajis01-10050	233	8	nor	nor	CCONJ
ajis01-10050	233	9	aziah	aziah	PROPN
ajis01-10050	233	10	abd	abd	PROPN
ajis01-10050	233	11	manaf	manaf	PROPN
ajis01-10050	233	12	,	,	PUNCT
ajis01-10050	233	13	and	and	CCONJ
ajis01-10050	233	14	hafizah	hafizah	PROPN
ajis01-10050	233	15	mohamad	mohamad	PROPN
ajis01-10050	233	16	hsbollah	hsbollah	PROPN
ajis01-10050	233	17	.	.	PUNCT
ajis01-10050	234	1	“	"	PUNCT
ajis01-10050	234	2	extending	extend	VERB
ajis01-10050	234	3	the	the	DET
ajis01-10050	234	4	theory	theory	NOUN
ajis01-10050	234	5	of	of	ADP
ajis01-10050	234	6	planned	plan	VERB
ajis01-10050	234	7	behaviour	behaviour	NOUN
ajis01-10050	234	8	with	with	ADP
ajis01-10050	234	9	application	application	NOUN
ajis01-10050	234	10	to	to	ADP
ajis01-10050	234	11	renewable	renewable	ADJ
ajis01-10050	234	12	energy	energy	NOUN
ajis01-10050	234	13	investment	investment	NOUN
ajis01-10050	234	14	:	:	PUNCT
ajis01-10050	234	15	the	the	DET
ajis01-10050	234	16	moderating	moderate	VERB
ajis01-10050	234	17	effect	effect	NOUN
ajis01-10050	234	18	of	of	ADP
ajis01-10050	234	19	tax	tax	NOUN
ajis01-10050	234	20	incentives	incentive	NOUN
ajis01-10050	234	21	.	.	PUNCT
ajis01-10050	234	22	”	"	PUNCT
ajis01-10050	235	1	international	international	ADJ
ajis01-10050	235	2	journal	journal	NOUN
ajis01-10050	235	3	of	of	ADP
ajis01-10050	235	4	energy	energy	NOUN
ajis01-10050	235	5	sector	sector	NOUN
ajis01-10050	235	6	management	management	NOUN
ajis01-10050	235	7	17	17	NUM
ajis01-10050	235	8	,	,	PUNCT
ajis01-10050	235	9	no	no	INTJ
ajis01-10050	235	10	.	.	NOUN
ajis01-10050	235	11	2	2	NUM
ajis01-10050	235	12	(	(	PUNCT
ajis01-10050	235	13	2023	2023	NUM
ajis01-10050	235	14	):	):	PUNCT
ajis01-10050	235	15	333–51	333–51	NUM
ajis01-10050	235	16	.	.	PUNCT
ajis01-10050	236	1	https://doi.org/10.1108/ijesm-11-2021-0011	https://doi.org/10.1108/ijesm-11-2021-0011	NOUN
ajis01-10050	236	2	.	.	PUNCT
ajis01-10050	237	1	elsaid	elsaid	PROPN
ajis01-10050	237	2	,	,	PUNCT
ajis01-10050	237	3	haitham	haitham	PROPN
ajis01-10050	237	4	mohamed	mohamed	PROPN
ajis01-10050	237	5	.	.	PUNCT
ajis01-10050	238	1	“	"	PUNCT
ajis01-10050	238	2	a	a	DET
ajis01-10050	238	3	review	review	NOUN
ajis01-10050	238	4	of	of	ADP
ajis01-10050	238	5	literature	literature	NOUN
ajis01-10050	238	6	directions	direction	NOUN
ajis01-10050	238	7	regarding	regard	VERB
ajis01-10050	238	8	the	the	DET
ajis01-10050	238	9	impact	impact	NOUN
ajis01-10050	238	10	of	of	ADP
ajis01-10050	238	11	fintech	fintech	NOUN
ajis01-10050	238	12	firms	firm	NOUN
ajis01-10050	238	13	on	on	ADP
ajis01-10050	238	14	the	the	DET
ajis01-10050	238	15	banking	banking	NOUN
ajis01-10050	238	16	industry	industry	NOUN
ajis01-10050	238	17	.	.	PUNCT
ajis01-10050	238	18	”	"	PUNCT
ajis01-10050	239	1	qualitative	qualitative	ADJ
ajis01-10050	239	2	research	research	NOUN
ajis01-10050	239	3	in	in	ADP
ajis01-10050	239	4	financial	financial	ADJ
ajis01-10050	239	5	markets	market	NOUN
ajis01-10050	239	6	,	,	PUNCT
ajis01-10050	239	7	no	no	INTJ
ajis01-10050	239	8	.	.	NOUN
ajis01-10050	239	9	2018	2018	NUM
ajis01-10050	239	10	(	(	PUNCT
ajis01-10050	239	11	2021	2021	NUM
ajis01-10050	239	12	)	)	PUNCT
ajis01-10050	239	13	.	.	PUNCT
ajis01-10050	240	1	https://doi.org/10.1108/qrfm-10-2020-0197	https://doi.org/10.1108/qrfm-10-2020-0197	PROPN
ajis01-10050	240	2	.	.	PUNCT
ajis01-10050	241	1	hendriyani	hendriyani	PROPN
ajis01-10050	241	2	,	,	PUNCT
ajis01-10050	241	3	chandra	chandra	PROPN
ajis01-10050	241	4	,	,	PUNCT
ajis01-10050	241	5	akademi	akademi	PROPN
ajis01-10050	241	6	sekretari	sekretari	PROPN
ajis01-10050	241	7	,	,	PUNCT
ajis01-10050	241	8	manajemen	manajeman	NOUN
ajis01-10050	241	9	taruna	taruna	PROPN
ajis01-10050	241	10	,	,	PUNCT
ajis01-10050	241	11	bakti	bakti	PROPN
ajis01-10050	241	12	sam’un	sam’un	NOUN
ajis01-10050	241	13	,	,	PUNCT
ajis01-10050	241	14	and	and	CCONJ
ajis01-10050	241	15	jaja	jaja	PROPN
ajis01-10050	241	16	raharja	raharja	PROPN
ajis01-10050	241	17	.	.	PUNCT
ajis01-10050	242	1	“	"	PUNCT
ajis01-10050	242	2	business	business	NOUN
ajis01-10050	242	3	agility	agility	NOUN
ajis01-10050	242	4	strategy	strategy	NOUN
ajis01-10050	242	5	:	:	PUNCT
ajis01-10050	242	6	peer	peer	NOUN
ajis01-10050	242	7	-	-	PUNCT
ajis01-10050	242	8	to	to	ADP
ajis01-10050	242	9	-	-	PUNCT
ajis01-10050	242	10	peer	peer	NOUN
ajis01-10050	242	11	lending	lending	NOUN
ajis01-10050	242	12	of	of	ADP
ajis01-10050	242	13	fintech	fintech	NOUN
ajis01-10050	242	14	startup	startup	NOUN
ajis01-10050	242	15	in	in	ADP
ajis01-10050	242	16	the	the	DET
ajis01-10050	242	17	era	era	NOUN
ajis01-10050	242	18	of	of	ADP
ajis01-10050	242	19	digital	digital	ADJ
ajis01-10050	242	20	finance	finance	NOUN
ajis01-10050	242	21	in	in	ADP
ajis01-10050	242	22	indonesia	indonesia	PROPN
ajis01-10050	242	23	.	.	PUNCT
ajis01-10050	242	24	”	"	PUNCT
ajis01-10050	243	1	review	review	NOUN
ajis01-10050	243	2	of	of	ADP
ajis01-10050	243	3	integrative	integrative	ADJ
ajis01-10050	243	4	business	business	NOUN
ajis01-10050	243	5	and	and	CCONJ
ajis01-10050	243	6	economics	economic	NOUN
ajis01-10050	243	7	research	research	NOUN
ajis01-10050	243	8	8	8	NUM
ajis01-10050	243	9	,	,	PUNCT
ajis01-10050	243	10	no	no	INTJ
ajis01-10050	243	11	.	.	NOUN
ajis01-10050	243	12	4	4	NUM
ajis01-10050	243	13	(	(	PUNCT
ajis01-10050	243	14	2019	2019	NUM
ajis01-10050	243	15	):	):	PUNCT
ajis01-10050	243	16	239	239	NUM
ajis01-10050	243	17	–	–	SYM
ajis01-10050	243	18	45	45	NUM
ajis01-10050	243	19	.	.	PUNCT
ajis01-10050	244	1	louie	louie	PROPN
ajis01-10050	244	2	,	,	PUNCT
ajis01-10050	244	3	betty	betty	PROPN
ajis01-10050	244	4	l	l	PROPN
ajis01-10050	244	5	,	,	PUNCT
ajis01-10050	244	6	and	and	CCONJ
ajis01-10050	244	7	martha	martha	PROPN
ajis01-10050	244	8	wang	wang	PROPN
ajis01-10050	244	9	.	.	PUNCT
ajis01-10050	245	1	“	"	PUNCT
ajis01-10050	245	2	china	china	PROPN
ajis01-10050	245	3	’	'	PUNCT
ajis01-10050	245	4	s	s	PART
ajis01-10050	245	5	forthcoming	forthcome	VERB
ajis01-10050	245	6	digital	digital	ADJ
ajis01-10050	245	7	currency	currency	NOUN
ajis01-10050	245	8	 	 	SPACE
ajis01-10050	245	9	:	:	PUNCT
ajis01-10050	245	10	implications	implication	NOUN
ajis01-10050	245	11	for	for	ADP
ajis01-10050	245	12	foreign	foreign	ADJ
ajis01-10050	245	13	companies	company	NOUN
ajis01-10050	245	14	and	and	CCONJ
ajis01-10050	245	15	fi	fi	ADJ
ajis01-10050	245	16	nancial	nancial	ADJ
ajis01-10050	245	17	institutions	institution	NOUN
ajis01-10050	245	18	in	in	ADP
ajis01-10050	245	19	china	china	PROPN
ajis01-10050	245	20	.	.	PUNCT
ajis01-10050	245	21	”	"	PUNCT
ajis01-10050	246	1	journal	journal	NOUN
ajis01-10050	246	2	of	of	ADP
ajis01-10050	246	3	investment	investment	NOUN
ajis01-10050	246	4	compliance	compliance	NOUN
ajis01-10050	246	5	22	22	NUM
ajis01-10050	246	6	,	,	PUNCT
ajis01-10050	246	7	no	no	INTJ
ajis01-10050	246	8	.	.	NOUN
ajis01-10050	246	9	2	2	NUM
ajis01-10050	246	10	(	(	PUNCT
ajis01-10050	246	11	2021	2021	NUM
ajis01-10050	246	12	):	):	PUNCT
ajis01-10050	246	13	195–200	195–200	NUM
ajis01-10050	246	14	.	.	PUNCT
ajis01-10050	247	1	https://doi.org/10.1108/joic-04-2021-0017	https://doi.org/10.1108/joic-04-2021-0017	NOUN
ajis01-10050	247	2	.	.	PUNCT
ajis01-10050	248	1	mazambani	mazambani	PROPN
ajis01-10050	248	2	,	,	PUNCT
ajis01-10050	248	3	last	last	ADJ
ajis01-10050	248	4	,	,	PUNCT
ajis01-10050	248	5	and	and	CCONJ
ajis01-10050	248	6	emmanuel	emmanuel	PROPN
ajis01-10050	248	7	mutambara	mutambara	PROPN
ajis01-10050	248	8	.	.	PUNCT
ajis01-10050	249	1	“	"	PUNCT
ajis01-10050	249	2	predicting	predict	VERB
ajis01-10050	249	3	fintech	fintech	NOUN
ajis01-10050	249	4	innovation	innovation	NOUN
ajis01-10050	249	5	adoption	adoption	NOUN
ajis01-10050	249	6	in	in	ADP
ajis01-10050	249	7	south	south	PROPN
ajis01-10050	249	8	africa	africa	PROPN
ajis01-10050	249	9	:	:	PUNCT
ajis01-10050	249	10	the	the	DET
ajis01-10050	249	11	case	case	NOUN
ajis01-10050	249	12	of	of	ADP
ajis01-10050	249	13	cryptocurrency	cryptocurrency	NOUN
ajis01-10050	249	14	.	.	PUNCT
ajis01-10050	249	15	”	"	PUNCT
ajis01-10050	250	1	african	african	ADJ
ajis01-10050	250	2	journal	journal	NOUN
ajis01-10050	250	3	of	of	ADP
ajis01-10050	250	4	economic	economic	ADJ
ajis01-10050	250	5	and	and	CCONJ
ajis01-10050	250	6	management	management	NOUN
ajis01-10050	250	7	studies	study	NOUN
ajis01-10050	250	8	11	11	NUM
ajis01-10050	250	9	,	,	PUNCT
ajis01-10050	250	10	no	no	INTJ
ajis01-10050	250	11	.	.	NOUN
ajis01-10050	250	12	1	1	NUM
ajis01-10050	250	13	(	(	PUNCT
ajis01-10050	250	14	2019	2019	NUM
ajis01-10050	250	15	):	):	PUNCT
ajis01-10050	250	16	30–50	30–50	NUM
ajis01-10050	250	17	.	.	PUNCT
ajis01-10050	251	1	https://doi.org/10.1108/ajems-04-2019-0152	https://doi.org/10.1108/ajems-04-2019-0152	PROPN
ajis01-10050	251	2	.	.	PUNCT
ajis01-10050	252	1	pangestu	pangestu	PROPN
ajis01-10050	252	2	,	,	PUNCT
ajis01-10050	252	3	aditya	aditya	PROPN
ajis01-10050	252	4	,	,	PUNCT
ajis01-10050	252	5	and	and	CCONJ
ajis01-10050	252	6	batara	batara	PROPN
ajis01-10050	252	7	daniel	daniel	PROPN
ajis01-10050	252	8	bagana	bagana	PROPN
ajis01-10050	252	9	.	.	PUNCT
ajis01-10050	253	1	“	"	PUNCT
ajis01-10050	253	2	faktor	faktor	ADJ
ajis01-10050	253	3	-	-	PUNCT
ajis01-10050	253	4	faktor	faktor	NOUN
ajis01-10050	253	5	yang	yang	PROPN
ajis01-10050	253	6	mempengaruhi	mempengaruhi	PROPN
ajis01-10050	253	7	minat	minat	PROPN
ajis01-10050	253	8	investasi	investasi	PROPN
ajis01-10050	253	9	generasi	generasi	PROPN
ajis01-10050	253	10	milenial	milenial	PROPN
ajis01-10050	253	11	di	di	PROPN
ajis01-10050	253	12	kota	kota	PROPN
ajis01-10050	253	13	semarang	semarang	PROPN
ajis01-10050	253	14	.	.	PUNCT
ajis01-10050	253	15	”	"	PUNCT
ajis01-10050	254	1	117	117	NUM
ajis01-10050	254	2	|	|	ADV
ajis01-10050	254	3	ajis	ajis	ADV
ajis01-10050	254	4	:	:	PUNCT
ajis01-10050	254	5	academic	academic	ADJ
ajis01-10050	254	6	journal	journal	NOUN
ajis01-10050	254	7	of	of	ADP
ajis01-10050	254	8	islamic	islamic	PROPN
ajis01-10050	254	9	studies	study	NOUN
ajis01-10050	254	10	,	,	PUNCT
ajis01-10050	254	11	vol	vol	NOUN
ajis01-10050	254	12	.	.	PROPN
ajis01-10050	254	13	9	9	NUM
ajis01-10050	254	14	,	,	PUNCT
ajis01-10050	254	15	no	no	INTJ
ajis01-10050	254	16	.	.	NOUN
ajis01-10050	254	17	1	1	NUM
ajis01-10050	254	18	,	,	PUNCT
ajis01-10050	254	19	2024	2024	NUM
ajis01-10050	254	20	e	e	X
ajis01-10050	254	21	-	-	NOUN
ajis01-10050	254	22	bisnis	bisnis	NOUN
ajis01-10050	254	23	 	 	SPACE
ajis01-10050	254	24	:	:	PUNCT
ajis01-10050	254	25	jurnal	jurnal	ADJ
ajis01-10050	254	26	ilmiah	ilmiah	PROPN
ajis01-10050	254	27	ekonomi	ekonomi	PROPN
ajis01-10050	254	28	dan	dan	PROPN
ajis01-10050	254	29	bisnis	bisnis	PROPN
ajis01-10050	254	30	15	15	NUM
ajis01-10050	254	31	,	,	PUNCT
ajis01-10050	254	32	no	no	INTJ
ajis01-10050	254	33	.	.	NOUN
ajis01-10050	254	34	2	2	NUM
ajis01-10050	254	35	(	(	PUNCT
ajis01-10050	254	36	2022	2022	NUM
ajis01-10050	254	37	):	):	PUNCT
ajis01-10050	254	38	212	212	NUM
ajis01-10050	254	39	–	–	PUNCT
ajis01-10050	254	40	20	20	NUM
ajis01-10050	254	41	.	.	PUNCT
ajis01-10050	255	1	https://doi.org/10.51903/e-bisnis.v15i2.671	https://doi.org/10.51903/e-bisnis.v15i2.671	PROPN
ajis01-10050	255	2	.	.	PUNCT
ajis01-10050	256	1	rizal	rizal	PROPN
ajis01-10050	256	2	,	,	PUNCT
ajis01-10050	256	3	achmad	achmad	PROPN
ajis01-10050	256	4	,	,	PUNCT
ajis01-10050	256	5	adib	adib	PROPN
ajis01-10050	256	6	susilo	susilo	PROPN
ajis01-10050	256	7	,	,	PUNCT
ajis01-10050	256	8	m	m	PROPN
ajis01-10050	256	9	kurnia	kurnia	PROPN
ajis01-10050	256	10	rahman	rahman	PROPN
ajis01-10050	256	11	abadi	abadi	PROPN
ajis01-10050	256	12	,	,	PUNCT
ajis01-10050	256	13	and	and	CCONJ
ajis01-10050	256	14	setiawan	setiawan	PROPN
ajis01-10050	256	15	lahuri	lahuri	PROPN
ajis01-10050	256	16	.	.	PUNCT
ajis01-10050	257	1	“	"	PUNCT
ajis01-10050	257	2	pinpointing	pinpoint	VERB
ajis01-10050	257	3	the	the	DET
ajis01-10050	257	4	determinants	determinant	NOUN
ajis01-10050	257	5	of	of	ADP
ajis01-10050	257	6	financial	financial	ADJ
ajis01-10050	257	7	literacy	literacy	NOUN
ajis01-10050	257	8	 	 	SPACE
ajis01-10050	257	9	:	:	PUNCT
ajis01-10050	257	10	empirical	empirical	ADJ
ajis01-10050	257	11	evidence	evidence	NOUN
ajis01-10050	257	12	of	of	ADP
ajis01-10050	257	13	indonesian	indonesian	ADJ
ajis01-10050	257	14	employees	employee	NOUN
ajis01-10050	257	15	in	in	ADP
ajis01-10050	257	16	malaysia	malaysia	PROPN
ajis01-10050	257	17	.	.	PUNCT
ajis01-10050	257	18	”	"	PUNCT
ajis01-10050	257	19	iqtishadia	iqtishadia	PROPN
ajis01-10050	257	20	 	 	SPACE
ajis01-10050	257	21	:	:	PUNCT
ajis01-10050	257	22	jurnal	jurnal	ADJ
ajis01-10050	257	23	ekonomi	ekonomi	PROPN
ajis01-10050	257	24	&	&	CCONJ
ajis01-10050	257	25	perbankan	perbankan	PROPN
ajis01-10050	257	26	syariah	syariah	PROPN
ajis01-10050	257	27	2	2	NUM
ajis01-10050	257	28	,	,	PUNCT
ajis01-10050	257	29	no	no	INTJ
ajis01-10050	257	30	.	.	NOUN
ajis01-10050	257	31	2	2	NUM
ajis01-10050	257	32	(	(	PUNCT
ajis01-10050	257	33	2021	2021	NUM
ajis01-10050	257	34	):	):	PUNCT
ajis01-10050	257	35	1–16	1–16	NOUN
ajis01-10050	257	36	.	.	PUNCT
ajis01-10050	258	1	https://doi.org/10.1905/iqtishadia.v6i1.xxxx	https://doi.org/10.1905/iqtishadia.v6i1.xxxx	PROPN
ajis01-10050	258	2	.	.	PUNCT
ajis01-10050	259	1	sinlapates	sinlapate	NOUN
ajis01-10050	259	2	,	,	PUNCT
ajis01-10050	259	3	parichat	parichat	NOUN
ajis01-10050	259	4	,	,	PUNCT
ajis01-10050	259	5	and	and	CCONJ
ajis01-10050	259	6	surachai	surachai	PROPN
ajis01-10050	259	7	chancharat	chancharat	PROPN
ajis01-10050	259	8	.	.	PUNCT
ajis01-10050	260	1	“	"	PUNCT
ajis01-10050	260	2	persistence	persistence	NOUN
ajis01-10050	260	3	and	and	CCONJ
ajis01-10050	260	4	volatility	volatility	NOUN
ajis01-10050	260	5	spillovers	spillover	NOUN
ajis01-10050	260	6	of	of	ADP
ajis01-10050	260	7	bitcoin	bitcoin	NOUN
ajis01-10050	260	8	to	to	ADP
ajis01-10050	260	9	other	other	ADJ
ajis01-10050	260	10	leading	lead	VERB
ajis01-10050	260	11	cryptocurrencies	cryptocurrencie	NOUN
ajis01-10050	260	12	:	:	PUNCT
ajis01-10050	260	13	a	a	DET
ajis01-10050	260	14	bekkgarch	bekkgarch	NOUN
ajis01-10050	260	15	analysis	analysis	NOUN
ajis01-10050	260	16	.	.	PUNCT
ajis01-10050	260	17	”	"	PUNCT
ajis01-10050	261	1	foresight	foresight	NOUN
ajis01-10050	261	2	,	,	PUNCT
ajis01-10050	261	3	no	no	INTJ
ajis01-10050	261	4	.	.	PUNCT
ajis01-10050	262	1	june	june	PROPN
ajis01-10050	262	2	(	(	PUNCT
ajis01-10050	262	3	2023	2023	NUM
ajis01-10050	262	4	)	)	PUNCT
ajis01-10050	262	5	.	.	PUNCT
ajis01-10050	263	1	https://doi.org/10.1108/fs-09-2022-0100	https://doi.org/10.1108/fs-09-2022-0100	PROPN
ajis01-10050	263	2	.	.	PUNCT
ajis01-10050	263	3	stewart	stewart	PROPN
ajis01-10050	263	4	,	,	PUNCT
ajis01-10050	263	5	harrison	harrison	PROPN
ajis01-10050	263	6	,	,	PUNCT
ajis01-10050	263	7	and	and	CCONJ
ajis01-10050	263	8	jan	jan	PROPN
ajis01-10050	263	9	jürjens	jürjen	NOUN
ajis01-10050	263	10	.	.	PUNCT
ajis01-10050	264	1	“	"	PUNCT
ajis01-10050	264	2	data	datum	NOUN
ajis01-10050	264	3	security	security	NOUN
ajis01-10050	264	4	and	and	CCONJ
ajis01-10050	264	5	consumer	consumer	NOUN
ajis01-10050	264	6	trust	trust	NOUN
ajis01-10050	264	7	in	in	ADP
ajis01-10050	264	8	fintech	fintech	NOUN
ajis01-10050	264	9	innovation	innovation	NOUN
ajis01-10050	264	10	in	in	ADP
ajis01-10050	264	11	germany	germany	PROPN
ajis01-10050	264	12	.	.	PUNCT
ajis01-10050	264	13	”	"	PUNCT
ajis01-10050	265	1	information	information	NOUN
ajis01-10050	265	2	and	and	CCONJ
ajis01-10050	265	3	computer	computer	NOUN
ajis01-10050	265	4	security	security	NOUN
ajis01-10050	265	5	26	26	NUM
ajis01-10050	265	6	,	,	PUNCT
ajis01-10050	265	7	no	no	INTJ
ajis01-10050	265	8	.	.	NOUN
ajis01-10050	265	9	1	1	NUM
ajis01-10050	265	10	(	(	PUNCT
ajis01-10050	265	11	2018	2018	NUM
ajis01-10050	265	12	):	):	PUNCT
ajis01-10050	265	13	109–28	109–28	NUM
ajis01-10050	265	14	.	.	PUNCT
ajis01-10050	265	15	https://doi.org/10.1108/ics-062017-0039	https://doi.org/10.1108/ics-062017-0039	NOUN
ajis01-10050	265	16	.	.	PUNCT
ajis01-10050	266	1	xi	xi	PROPN
ajis01-10050	266	2	,	,	PUNCT
ajis01-10050	266	3	yue	yue	PROPN
ajis01-10050	266	4	,	,	PUNCT
ajis01-10050	266	5	jiale	jiale	PROPN
ajis01-10050	266	6	huo	huo	PROPN
ajis01-10050	266	7	,	,	PUNCT
ajis01-10050	266	8	xinran	xinran	PROPN
ajis01-10050	266	9	zhao	zhao	PROPN
ajis01-10050	266	10	,	,	PUNCT
ajis01-10050	266	11	yushi	yushi	PROPN
ajis01-10050	266	12	jiang	jiang	PROPN
ajis01-10050	266	13	,	,	PUNCT
ajis01-10050	266	14	and	and	CCONJ
ajis01-10050	266	15	qiang	qiang	PROPN
ajis01-10050	266	16	yang	yang	PROPN
ajis01-10050	266	17	.	.	PUNCT
ajis01-10050	267	1	“	"	PUNCT
ajis01-10050	267	2	the	the	DET
ajis01-10050	267	3	effects	effect	NOUN
ajis01-10050	267	4	of	of	ADP
ajis01-10050	267	5	fear	fear	NOUN
ajis01-10050	267	6	of	of	ADP
ajis01-10050	267	7	missing	miss	VERB
ajis01-10050	267	8	out	out	ADP
ajis01-10050	267	9	on	on	ADP
ajis01-10050	267	10	social	social	ADJ
ajis01-10050	267	11	media	medium	NOUN
ajis01-10050	267	12	posting	post	VERB
ajis01-10050	267	13	preferences	preference	NOUN
ajis01-10050	267	14	.	.	PUNCT
ajis01-10050	267	15	”	"	PUNCT
ajis01-10050	268	1	european	european	PROPN
ajis01-10050	268	2	journal	journal	PROPN
ajis01-10050	268	3	of	of	ADP
ajis01-10050	268	4	marketing	marketing	NOUN
ajis01-10050	268	5	56	56	NUM
ajis01-10050	268	6	,	,	PUNCT
ajis01-10050	268	7	no	no	INTJ
ajis01-10050	268	8	.	.	NOUN
ajis01-10050	268	9	12	12	NUM
ajis01-10050	268	10	(	(	PUNCT
ajis01-10050	268	11	2022	2022	NUM
ajis01-10050	268	12	):	):	PUNCT
ajis01-10050	268	13	3453–84	3453–84	NOUN
ajis01-10050	268	14	.	.	PUNCT
ajis01-10050	269	1	https://doi.org/10.1108/ejm-10-2021-0814	https://doi.org/10.1108/ejm-10-2021-0814	X
ajis01-10050	269	2	.	.	PUNCT
ajis01-10050	270	1	yudaruddin	yudaruddin	NOUN
ajis01-10050	270	2	,	,	PUNCT
ajis01-10050	270	3	rizky	rizky	ADJ
ajis01-10050	270	4	.	.	PUNCT
ajis01-10050	271	1	“	"	PUNCT
ajis01-10050	271	2	financial	financial	ADJ
ajis01-10050	271	3	technology	technology	NOUN
ajis01-10050	271	4	and	and	CCONJ
ajis01-10050	271	5	performance	performance	NOUN
ajis01-10050	271	6	in	in	ADP
ajis01-10050	271	7	islamic	islamic	ADJ
ajis01-10050	271	8	and	and	CCONJ
ajis01-10050	271	9	conventional	conventional	ADJ
ajis01-10050	271	10	banks	bank	NOUN
ajis01-10050	271	11	.	.	PUNCT
ajis01-10050	271	12	”	"	PUNCT
ajis01-10050	271	13	journal	journal	NOUN
ajis01-10050	271	14	of	of	ADP
ajis01-10050	271	15	islamic	islamic	PROPN
ajis01-10050	271	16	accounting	accounting	PROPN
ajis01-10050	271	17	and	and	CCONJ
ajis01-10050	271	18	business	business	NOUN
ajis01-10050	271	19	research	research	NOUN
ajis01-10050	271	20	14	14	NUM
ajis01-10050	271	21	,	,	PUNCT
ajis01-10050	271	22	no	no	INTJ
ajis01-10050	271	23	.	.	NOUN
ajis01-10050	271	24	1	1	NUM
ajis01-10050	271	25	(	(	PUNCT
ajis01-10050	271	26	2023	2023	NUM
ajis01-10050	271	27	):	):	PUNCT
ajis01-10050	271	28	100–116	100–116	NUM
ajis01-10050	271	29	.	.	PUNCT
ajis01-10050	272	1	https://doi.org/10.1108/jiabr-03-2022-0070	https://doi.org/10.1108/jiabr-03-2022-0070	NOUN
ajis01-10050	272	2	.	.	PUNCT
ajis01-10050	273	1	yuliani	yuliani	PROPN
ajis01-10050	273	2	,	,	PUNCT
ajis01-10050	273	3	witha	witha	NOUN
ajis01-10050	273	4	,	,	PUNCT
ajis01-10050	273	5	sarah	sarah	PROPN
ajis01-10050	273	6	usman	usman	PROPN
ajis01-10050	273	7	,	,	PUNCT
ajis01-10050	273	8	and	and	CCONJ
ajis01-10050	273	9	dirarini	dirarini	PROPN
ajis01-10050	273	10	sudarwadi	sudarwadi	NOUN
ajis01-10050	273	11	.	.	PUNCT
ajis01-10050	274	1	“	"	PUNCT
ajis01-10050	274	2	analisa	analisa	NOUN
ajis01-10050	274	3	minat	minat	NOUN
ajis01-10050	274	4	investasi	investasi	PROPN
ajis01-10050	274	5	pasar	pasar	PROPN
ajis01-10050	274	6	modal	modal	PROPN
ajis01-10050	274	7	pada	pada	PROPN
ajis01-10050	274	8	mahasiswa	mahasiswa	PROPN
ajis01-10050	274	9	feb	feb	PROPN
ajis01-10050	274	10	di	di	PROPN
ajis01-10050	274	11	universitas	universitas	PROPN
ajis01-10050	274	12	papua	papua	PROPN
ajis01-10050	274	13	.	.	PUNCT
ajis01-10050	274	14	”	"	PUNCT
ajis01-10050	275	1	nominal	nominal	ADJ
ajis01-10050	275	2	:	:	PUNCT
ajis01-10050	275	3	barometer	barometer	NOUN
ajis01-10050	275	4	riset	riset	PROPN
ajis01-10050	275	5	akuntansi	akuntansi	PROPN
ajis01-10050	275	6	dan	dan	PROPN
ajis01-10050	275	7	manajemen	manajeman	NOUN
ajis01-10050	275	8	9	9	NUM
ajis01-10050	275	9	,	,	PUNCT
ajis01-10050	275	10	no	no	INTJ
ajis01-10050	275	11	.	.	NOUN
ajis01-10050	275	12	2	2	NUM
ajis01-10050	275	13	(	(	PUNCT
ajis01-10050	275	14	2020	2020	NUM
ajis01-10050	275	15	):	):	PUNCT
ajis01-10050	275	16	150–67	150–67	NUM
ajis01-10050	275	17	.	.	PUNCT
ajis01-10050	276	1	https://doi.org/10.21831/nominal.v9i2.30033	https://doi.org/10.21831/nominal.v9i2.30033	NOUN
ajis01-10050	276	2	.	.	PUNCT