id	sid	tid	token	lemma	pos
gp-160	1	1	42	42	NUM
gp-160	1	2	american	american	ADJ
gp-160	1	3	journal	journal	PROPN
gp-160	1	4	of	of	ADP
gp-160	1	5	economic	economic	ADJ
gp-160	1	6	and	and	CCONJ
gp-160	1	7	management	management	NOUN
gp-160	1	8	business	business	NOUN
gp-160	1	9	e	e	NOUN
gp-160	1	10	-	-	NOUN
gp-160	1	11	issn	issn	ADJ
gp-160	1	12	:	:	PUNCT
gp-160	1	13	2835	2835	NUM
gp-160	1	14	-	-	SYM
gp-160	1	15	5199	5199	NUM
gp-160	1	16	vol	vol	NOUN
gp-160	1	17	.	.	PROPN
gp-160	1	18	4	4	NUM
gp-160	1	19	no	no	NOUN
gp-160	1	20	.	.	NOUN
gp-160	1	21	1	1	NUM
gp-160	1	22	january	january	NOUN
gp-160	1	23	2025	2025	NUM
gp-160	1	24	the	the	DET
gp-160	1	25	influence	influence	NOUN
gp-160	1	26	of	of	ADP
gp-160	1	27	fintech	fintech	NOUN
gp-160	1	28	(	(	PUNCT
gp-160	1	29	paylater	paylater	NOUN
gp-160	1	30	)	)	PUNCT
gp-160	1	31	hedonism	hedonism	NOUN
gp-160	1	32	on	on	ADP
gp-160	1	33	student	student	NOUN
gp-160	1	34	personal	personal	ADJ
gp-160	1	35	financial	financial	ADJ
gp-160	1	36	management	management	NOUN
gp-160	1	37	bagus	bagus	PROPN
gp-160	1	38	suherman1	suherman1	PROPN
gp-160	1	39	*	*	PROPN
gp-160	1	40	,	,	PUNCT
gp-160	1	41	m.	m.	PROPN
gp-160	1	42	jamal	jamal	PROPN
gp-160	1	43	abdul	abdul	PROPN
gp-160	1	44	nasir2	nasir2	PROPN
gp-160	1	45	,	,	PUNCT
gp-160	1	46	bagus	bagus	PROPN
gp-160	1	47	ibnu	ibnu	PROPN
gp-160	1	48	utama3	utama3	NOUN
gp-160	1	49	universitas	universita	NOUN
gp-160	1	50	gajayana	gajayana	PROPN
gp-160	1	51	,	,	PUNCT
gp-160	1	52	indonesia	indonesia	PROPN
gp-160	1	53	emails	email	NOUN
gp-160	1	54	:	:	PUNCT
gp-160	1	55	bagussuherman26@gmail.com	bagussuherman26@gmail.com	ADV
gp-160	1	56	,	,	PUNCT
gp-160	1	57	jamal@unigamalang.ac.id	jamal@unigamalang.ac.id	NOUN
gp-160	1	58	,	,	PUNCT
gp-160	1	59	bagusibnuutama@unigamalang.ac.id	bagusibnuutama@unigamalang.ac.id	PROPN
gp-160	1	60	abstract	abstract	VERB
gp-160	1	61	the	the	DET
gp-160	1	62	hedonistic	hedonistic	ADJ
gp-160	1	63	behavior	behavior	NOUN
gp-160	1	64	of	of	ADP
gp-160	1	65	young	young	ADJ
gp-160	1	66	people	people	NOUN
gp-160	1	67	is	be	AUX
gp-160	1	68	amplified	amplify	VERB
gp-160	1	69	by	by	ADP
gp-160	1	70	the	the	DET
gp-160	1	71	convenience	convenience	NOUN
gp-160	1	72	of	of	ADP
gp-160	1	73	purchasing	purchase	VERB
gp-160	1	74	goods	good	NOUN
gp-160	1	75	through	through	ADP
gp-160	1	76	financial	financial	ADJ
gp-160	1	77	technology	technology	NOUN
gp-160	1	78	(	(	PUNCT
gp-160	1	79	fintech	fintech	NOUN
gp-160	1	80	)	)	PUNCT
gp-160	1	81	,	,	PUNCT
gp-160	1	82	particularly	particularly	ADV
gp-160	1	83	the	the	DET
gp-160	1	84	buy	buy	NOUN
gp-160	1	85	now	now	ADV
gp-160	1	86	pay	pay	VERB
gp-160	1	87	later	later	ADV
gp-160	1	88	(	(	PUNCT
gp-160	1	89	bnpl	bnpl	ADJ
gp-160	1	90	)	)	PUNCT
gp-160	1	91	feature	feature	NOUN
gp-160	1	92	,	,	PUNCT
gp-160	1	93	commonly	commonly	ADV
gp-160	1	94	referred	refer	VERB
gp-160	1	95	to	to	ADP
gp-160	1	96	as	as	ADP
gp-160	1	97	paylater	paylater	NOUN
gp-160	1	98	.	.	PUNCT
gp-160	2	1	the	the	DET
gp-160	2	2	unstoppable	unstoppable	ADJ
gp-160	2	3	advancement	advancement	NOUN
gp-160	2	4	of	of	ADP
gp-160	2	5	digital	digital	ADJ
gp-160	2	6	technology	technology	NOUN
gp-160	2	7	,	,	PUNCT
gp-160	2	8	especially	especially	ADV
gp-160	2	9	in	in	ADP
gp-160	2	10	the	the	DET
gp-160	2	11	financial	financial	ADJ
gp-160	2	12	sector	sector	NOUN
gp-160	2	13	,	,	PUNCT
gp-160	2	14	has	have	AUX
gp-160	2	15	made	make	VERB
gp-160	2	16	transactions	transaction	NOUN
gp-160	2	17	faster	fast	ADJ
gp-160	2	18	,	,	PUNCT
gp-160	2	19	more	more	ADV
gp-160	2	20	accessible	accessible	ADJ
gp-160	2	21	,	,	PUNCT
gp-160	2	22	and	and	CCONJ
gp-160	2	23	more	more	ADV
gp-160	2	24	efficient	efficient	ADJ
gp-160	2	25	without	without	ADP
gp-160	2	26	requiring	require	VERB
gp-160	2	27	face	face	NOUN
gp-160	2	28	-	-	PUNCT
gp-160	2	29	to	to	ADP
gp-160	2	30	-	-	PUNCT
gp-160	2	31	face	face	NOUN
gp-160	2	32	interactions	interaction	NOUN
gp-160	2	33	.	.	PUNCT
gp-160	3	1	this	this	DET
gp-160	3	2	research	research	NOUN
gp-160	3	3	aims	aim	VERB
gp-160	3	4	to	to	PART
gp-160	3	5	provide	provide	VERB
gp-160	3	6	valuable	valuable	ADJ
gp-160	3	7	insights	insight	NOUN
gp-160	3	8	for	for	ADP
gp-160	3	9	students	student	NOUN
gp-160	3	10	and	and	CCONJ
gp-160	3	11	the	the	DET
gp-160	3	12	broader	broad	ADJ
gp-160	3	13	indonesian	indonesian	ADJ
gp-160	3	14	community	community	NOUN
gp-160	3	15	regarding	regard	VERB
gp-160	3	16	the	the	DET
gp-160	3	17	impact	impact	NOUN
gp-160	3	18	of	of	ADP
gp-160	3	19	fintech	fintech	NOUN
gp-160	3	20	paylater	paylater	NOUN
gp-160	3	21	innovations	innovation	NOUN
gp-160	3	22	and	and	CCONJ
gp-160	3	23	lifestyle	lifestyle	NOUN
gp-160	3	24	choices	choice	NOUN
gp-160	3	25	on	on	ADP
gp-160	3	26	personal	personal	ADJ
gp-160	3	27	financial	financial	ADJ
gp-160	3	28	behavior	behavior	NOUN
gp-160	3	29	.	.	PUNCT
gp-160	4	1	specifically	specifically	ADV
gp-160	4	2	,	,	PUNCT
gp-160	4	3	the	the	DET
gp-160	4	4	study	study	NOUN
gp-160	4	5	investigates	investigate	VERB
gp-160	4	6	whether	whether	SCONJ
gp-160	4	7	fintech	fintech	NOUN
gp-160	4	8	paylater	paylater	NOUN
gp-160	4	9	innovations	innovation	NOUN
gp-160	4	10	and	and	CCONJ
gp-160	4	11	lifestyle	lifestyle	NOUN
gp-160	4	12	habits	habit	NOUN
gp-160	4	13	influence	influence	VERB
gp-160	4	14	the	the	DET
gp-160	4	15	personal	personal	ADJ
gp-160	4	16	financial	financial	ADJ
gp-160	4	17	management	management	NOUN
gp-160	4	18	of	of	ADP
gp-160	4	19	students	student	NOUN
gp-160	4	20	in	in	ADP
gp-160	4	21	the	the	DET
gp-160	4	22	malang	malang	PROPN
gp-160	4	23	raya	raya	PROPN
gp-160	4	24	area	area	PROPN
gp-160	4	25	.	.	PUNCT
gp-160	5	1	adopting	adopt	VERB
gp-160	5	2	a	a	DET
gp-160	5	3	quantitative	quantitative	ADJ
gp-160	5	4	research	research	NOUN
gp-160	5	5	approach	approach	NOUN
gp-160	5	6	,	,	PUNCT
gp-160	5	7	data	datum	NOUN
gp-160	5	8	were	be	AUX
gp-160	5	9	collected	collect	VERB
gp-160	5	10	via	via	ADP
gp-160	5	11	a	a	DET
gp-160	5	12	questionnaire	questionnaire	NOUN
gp-160	5	13	from	from	ADP
gp-160	5	14	a	a	DET
gp-160	5	15	sample	sample	NOUN
gp-160	5	16	of	of	ADP
gp-160	5	17	186	186	NUM
gp-160	5	18	respondents	respondent	NOUN
gp-160	5	19	.	.	PUNCT
gp-160	6	1	the	the	DET
gp-160	6	2	study	study	NOUN
gp-160	6	3	,	,	PUNCT
gp-160	6	4	conducted	conduct	VERB
gp-160	6	5	from	from	ADP
gp-160	6	6	july	july	PROPN
gp-160	6	7	to	to	ADP
gp-160	6	8	august	august	PROPN
gp-160	6	9	,	,	PUNCT
gp-160	6	10	utilized	utilize	VERB
gp-160	6	11	multiple	multiple	ADJ
gp-160	6	12	linear	linear	ADJ
gp-160	6	13	regression	regression	NOUN
gp-160	6	14	analysis	analysis	NOUN
gp-160	6	15	with	with	ADP
gp-160	6	16	the	the	DET
gp-160	6	17	assistance	assistance	NOUN
gp-160	6	18	of	of	ADP
gp-160	6	19	spss	spss	PROPN
gp-160	6	20	v25	v25	NOUN
gp-160	6	21	software	software	NOUN
gp-160	6	22	.	.	PUNCT
gp-160	7	1	the	the	DET
gp-160	7	2	findings	finding	NOUN
gp-160	7	3	indicate	indicate	VERB
gp-160	7	4	a	a	DET
gp-160	7	5	positive	positive	ADJ
gp-160	7	6	and	and	CCONJ
gp-160	7	7	significant	significant	ADJ
gp-160	7	8	relationship	relationship	NOUN
gp-160	7	9	between	between	ADP
gp-160	7	10	fintech	fintech	NOUN
gp-160	7	11	paylater	paylater	NOUN
gp-160	7	12	innovations	innovation	NOUN
gp-160	7	13	,	,	PUNCT
gp-160	7	14	lifestyle	lifestyle	NOUN
gp-160	7	15	habits	habit	NOUN
gp-160	7	16	,	,	PUNCT
gp-160	7	17	and	and	CCONJ
gp-160	7	18	personal	personal	ADJ
gp-160	7	19	financial	financial	ADJ
gp-160	7	20	behavior	behavior	NOUN
gp-160	7	21	.	.	PUNCT
gp-160	8	1	the	the	DET
gp-160	8	2	results	result	NOUN
gp-160	8	3	suggest	suggest	VERB
gp-160	8	4	that	that	SCONJ
gp-160	8	5	increased	increase	VERB
gp-160	8	6	hedonistic	hedonistic	ADJ
gp-160	8	7	tendencies	tendency	NOUN
gp-160	8	8	,	,	PUNCT
gp-160	8	9	facilitated	facilitate	VERB
gp-160	8	10	by	by	ADP
gp-160	8	11	the	the	DET
gp-160	8	12	flexibility	flexibility	NOUN
gp-160	8	13	of	of	ADP
gp-160	8	14	paylater	paylater	NOUN
gp-160	8	15	payments	payment	NOUN
gp-160	8	16	,	,	PUNCT
gp-160	8	17	significantly	significantly	ADV
gp-160	8	18	influence	influence	VERB
gp-160	8	19	financial	financial	ADJ
gp-160	8	20	planning	planning	NOUN
gp-160	8	21	,	,	PUNCT
gp-160	8	22	potentially	potentially	ADV
gp-160	8	23	improving	improve	VERB
gp-160	8	24	future	future	ADJ
gp-160	8	25	financial	financial	ADJ
gp-160	8	26	management	management	NOUN
gp-160	8	27	for	for	ADP
gp-160	8	28	malang	malang	PROPN
gp-160	8	29	raya	raya	PROPN
gp-160	8	30	students	student	NOUN
gp-160	8	31	.	.	PUNCT
gp-160	9	1	to	to	PART
gp-160	9	2	provide	provide	VERB
gp-160	9	3	a	a	DET
gp-160	9	4	focused	focused	ADJ
gp-160	9	5	discussion	discussion	NOUN
gp-160	9	6	,	,	PUNCT
gp-160	9	7	this	this	DET
gp-160	9	8	study	study	NOUN
gp-160	9	9	emphasizes	emphasize	VERB
gp-160	9	10	payment	payment	NOUN
gp-160	9	11	flexibility	flexibility	NOUN
gp-160	9	12	,	,	PUNCT
gp-160	9	13	the	the	DET
gp-160	9	14	negative	negative	ADJ
gp-160	9	15	impacts	impact	NOUN
gp-160	9	16	of	of	ADP
gp-160	9	17	hedonism	hedonism	NOUN
gp-160	9	18	,	,	PUNCT
gp-160	9	19	and	and	CCONJ
gp-160	9	20	effective	effective	ADJ
gp-160	9	21	financial	financial	ADJ
gp-160	9	22	management	management	NOUN
gp-160	9	23	.	.	PUNCT
gp-160	10	1	keywords	keyword	NOUN
gp-160	10	2	:	:	PUNCT
gp-160	10	3	financial	financial	ADJ
gp-160	10	4	technology	technology	NOUN
gp-160	10	5	,	,	PUNCT
gp-160	10	6	digital	digital	ADJ
gp-160	10	7	innovation	innovation	NOUN
gp-160	10	8	,	,	PUNCT
gp-160	10	9	credit	credit	NOUN
gp-160	10	10	,	,	PUNCT
gp-160	10	11	hedonism	hedonism	NOUN
gp-160	10	12	,	,	PUNCT
gp-160	10	13	personal	personal	ADJ
gp-160	10	14	financial	financial	ADJ
gp-160	10	15	management	management	NOUN
gp-160	10	16	.	.	PUNCT
gp-160	11	1	introduction	introduction	NOUN
gp-160	11	2	student	student	NOUN
gp-160	11	3	lifestyles	lifestyle	NOUN
gp-160	11	4	have	have	AUX
gp-160	11	5	undergone	undergo	VERB
gp-160	11	6	significant	significant	ADJ
gp-160	11	7	changes	change	NOUN
gp-160	11	8	,	,	PUNCT
gp-160	11	9	driven	drive	VERB
gp-160	11	10	not	not	PART
gp-160	11	11	only	only	ADV
gp-160	11	12	by	by	ADP
gp-160	11	13	evolving	evolve	VERB
gp-160	11	14	needs	need	NOUN
gp-160	11	15	but	but	CCONJ
gp-160	11	16	also	also	ADV
gp-160	11	17	by	by	ADP
gp-160	11	18	the	the	DET
gp-160	11	19	pervasive	pervasive	ADJ
gp-160	11	20	influence	influence	NOUN
gp-160	11	21	of	of	ADP
gp-160	11	22	consumerism	consumerism	NOUN
gp-160	11	23	in	in	ADP
gp-160	11	24	the	the	DET
gp-160	11	25	world	world	NOUN
gp-160	11	26	of	of	ADP
gp-160	11	27	social	social	ADJ
gp-160	11	28	media	medium	NOUN
gp-160	11	29	(	(	PUNCT
gp-160	11	30	cohen	cohen	PROPN
gp-160	11	31	et	et	PROPN
gp-160	11	32	al	al	PROPN
gp-160	11	33	.	.	PROPN
gp-160	11	34	,	,	PUNCT
gp-160	11	35	2017	2017	NUM
gp-160	11	36	)	)	PUNCT
gp-160	11	37	.	.	PUNCT
gp-160	12	1	this	this	DET
gp-160	12	2	shift	shift	NOUN
gp-160	12	3	is	be	AUX
gp-160	12	4	exacerbated	exacerbate	VERB
gp-160	12	5	by	by	ADP
gp-160	12	6	the	the	DET
gp-160	12	7	ease	ease	NOUN
gp-160	12	8	of	of	ADP
gp-160	12	9	accessing	access	VERB
gp-160	12	10	goods	good	NOUN
gp-160	12	11	through	through	ADP
gp-160	12	12	technological	technological	ADJ
gp-160	12	13	advancements	advancement	NOUN
gp-160	12	14	,	,	PUNCT
gp-160	12	15	particularly	particularly	ADV
gp-160	12	16	in	in	ADP
gp-160	12	17	the	the	DET
gp-160	12	18	financial	financial	ADJ
gp-160	12	19	sector	sector	NOUN
gp-160	12	20	.	.	PUNCT
gp-160	13	1	financial	financial	ADJ
gp-160	13	2	technology	technology	NOUN
gp-160	13	3	(	(	PUNCT
gp-160	13	4	fintech	fintech	NOUN
gp-160	13	5	)	)	PUNCT
gp-160	13	6	,	,	PUNCT
gp-160	13	7	which	which	PRON
gp-160	13	8	aims	aim	VERB
gp-160	13	9	to	to	PART
gp-160	13	10	create	create	VERB
gp-160	13	11	more	more	ADV
gp-160	13	12	practical	practical	ADJ
gp-160	13	13	and	and	CCONJ
gp-160	13	14	secure	secure	ADJ
gp-160	13	15	financial	financial	ADJ
gp-160	13	16	transaction	transaction	NOUN
gp-160	13	17	processes	process	NOUN
gp-160	13	18	,	,	PUNCT
gp-160	13	19	has	have	AUX
gp-160	13	20	inadvertently	inadvertently	ADV
gp-160	13	21	posed	pose	VERB
gp-160	13	22	challenges	challenge	NOUN
gp-160	13	23	for	for	ADP
gp-160	13	24	younger	young	ADJ
gp-160	13	25	generations	generation	NOUN
gp-160	13	26	lacking	lack	VERB
gp-160	13	27	adequate	adequate	ADJ
gp-160	13	28	financial	financial	ADJ
gp-160	13	29	literacy	literacy	NOUN
gp-160	13	30	(	(	PUNCT
gp-160	13	31	usman	usman	NOUN
gp-160	13	32	et	et	PROPN
gp-160	13	33	al	al	PROPN
gp-160	13	34	.	.	PROPN
gp-160	13	35	,	,	PUNCT
gp-160	13	36	2024	2024	NUM
gp-160	13	37	)	)	PUNCT
gp-160	13	38	.	.	PUNCT
gp-160	14	1	one	one	NUM
gp-160	14	2	prominent	prominent	ADJ
gp-160	14	3	example	example	NOUN
gp-160	14	4	is	be	AUX
gp-160	14	5	the	the	DET
gp-160	14	6	buy	buy	NOUN
gp-160	14	7	now	now	ADV
gp-160	14	8	pay	pay	VERB
gp-160	14	9	later	later	ADV
gp-160	14	10	(	(	PUNCT
gp-160	14	11	bnpl	bnpl	ADJ
gp-160	14	12	)	)	PUNCT
gp-160	14	13	feature	feature	NOUN
gp-160	14	14	,	,	PUNCT
gp-160	14	15	popularly	popularly	ADV
gp-160	14	16	known	know	VERB
gp-160	14	17	as	as	ADP
gp-160	14	18	"	"	PUNCT
gp-160	14	19	paylater	paylater	NOUN
gp-160	14	20	.	.	PUNCT
gp-160	14	21	"	"	PUNCT
gp-160	15	1	bnpl	bnpl	INTJ
gp-160	15	2	,	,	PUNCT
gp-160	15	3	or	or	CCONJ
gp-160	15	4	buy	buy	AUX
gp-160	15	5	now	now	ADV
gp-160	15	6	pay	pay	VERB
gp-160	15	7	later	later	ADV
gp-160	15	8	,	,	PUNCT
gp-160	15	9	allows	allow	VERB
gp-160	15	10	consumers	consumer	NOUN
gp-160	15	11	to	to	PART
gp-160	15	12	purchase	purchase	VERB
gp-160	15	13	items	item	NOUN
gp-160	15	14	on	on	ADP
gp-160	15	15	credit	credit	NOUN
gp-160	15	16	without	without	ADP
gp-160	15	17	a	a	DET
gp-160	15	18	credit	credit	NOUN
gp-160	15	19	card	card	NOUN
gp-160	15	20	,	,	PUNCT
gp-160	15	21	offering	offer	VERB
gp-160	15	22	flexibility	flexibility	NOUN
gp-160	15	23	in	in	ADP
gp-160	15	24	payment	payment	NOUN
gp-160	15	25	terms	term	NOUN
gp-160	15	26	,	,	PUNCT
gp-160	15	27	either	either	CCONJ
gp-160	15	28	through	through	ADP
gp-160	15	29	single	single	ADJ
gp-160	15	30	payments	payment	NOUN
gp-160	15	31	or	or	CCONJ
gp-160	15	32	installments	installment	NOUN
gp-160	15	33	(	(	PUNCT
gp-160	15	34	kumar	kumar	PROPN
gp-160	15	35	et	et	PROPN
gp-160	15	36	al	al	PROPN
gp-160	15	37	.	.	PROPN
gp-160	15	38	,	,	PUNCT
gp-160	15	39	2024	2024	NUM
gp-160	15	40	)	)	PUNCT
gp-160	15	41	.	.	PUNCT
gp-160	16	1	this	this	DET
gp-160	16	2	facility	facility	NOUN
gp-160	16	3	,	,	PUNCT
gp-160	16	4	often	often	ADV
gp-160	16	5	integrated	integrate	VERB
gp-160	16	6	into	into	ADP
gp-160	16	7	fintech	fintech	NOUN
gp-160	16	8	platforms	platform	NOUN
gp-160	16	9	,	,	PUNCT
gp-160	16	10	e	e	NOUN
gp-160	16	11	-	-	NOUN
gp-160	16	12	commerce	commerce	NOUN
gp-160	16	13	sites	site	NOUN
gp-160	16	14	,	,	PUNCT
gp-160	16	15	and	and	CCONJ
gp-160	16	16	digital	digital	ADJ
gp-160	16	17	wallets	wallet	NOUN
gp-160	16	18	,	,	PUNCT
gp-160	16	19	appeals	appeal	NOUN
gp-160	16	20	especially	especially	ADV
gp-160	16	21	to	to	ADP
gp-160	16	22	students	student	NOUN
gp-160	16	23	with	with	ADP
gp-160	16	24	limited	limited	ADJ
gp-160	16	25	budgets	budget	NOUN
gp-160	16	26	.	.	PUNCT
gp-160	17	1	platforms	platform	NOUN
gp-160	17	2	such	such	ADJ
gp-160	17	3	as	as	ADP
gp-160	17	4	gopay	gopay	NOUN
gp-160	17	5	paylater	paylater	NOUN
gp-160	17	6	,	,	PUNCT
gp-160	17	7	bagus	bagus	PROPN
gp-160	17	8	suherman	suherman	PROPN
gp-160	17	9	,	,	PUNCT
gp-160	17	10	m.	m.	PROPN
gp-160	17	11	jamal	jamal	PROPN
gp-160	17	12	abdul	abdul	PROPN
gp-160	17	13	nasir	nasir	PROPN
gp-160	17	14	,	,	PUNCT
gp-160	17	15	bagus	bagus	PROPN
gp-160	17	16	ibnu	ibnu	PROPN
gp-160	17	17	utama	utama	PROPN
gp-160	17	18	43	43	NUM
gp-160	17	19	ovo	ovo	PROPN
gp-160	17	20	paylater	paylater	NOUN
gp-160	17	21	,	,	PUNCT
gp-160	17	22	and	and	CCONJ
gp-160	17	23	services	service	NOUN
gp-160	17	24	offered	offer	VERB
gp-160	17	25	by	by	ADP
gp-160	17	26	traveloka	traveloka	NOUN
gp-160	17	27	,	,	PUNCT
gp-160	17	28	shopee	shopee	NOUN
gp-160	17	29	,	,	PUNCT
gp-160	17	30	and	and	CCONJ
gp-160	17	31	kredivo	kredivo	ADJ
gp-160	17	32	,	,	PUNCT
gp-160	17	33	among	among	ADP
gp-160	17	34	others	other	NOUN
gp-160	17	35	,	,	PUNCT
gp-160	17	36	have	have	AUX
gp-160	17	37	capitalized	capitalize	VERB
gp-160	17	38	on	on	ADP
gp-160	17	39	this	this	DET
gp-160	17	40	trend	trend	NOUN
gp-160	17	41	.	.	PUNCT
gp-160	18	1	according	accord	VERB
gp-160	18	2	to	to	ADP
gp-160	18	3	kredivo	kredivo	PROPN
gp-160	18	4	and	and	CCONJ
gp-160	18	5	katadata	katadata	NOUN
gp-160	18	6	data	datum	NOUN
gp-160	18	7	(	(	PUNCT
gp-160	18	8	june	june	PROPN
gp-160	18	9	2022	2022	NUM
gp-160	18	10	)	)	PUNCT
gp-160	18	11	,	,	PUNCT
gp-160	18	12	users	user	NOUN
gp-160	18	13	are	be	AUX
gp-160	18	14	drawn	draw	VERB
gp-160	18	15	to	to	ADP
gp-160	18	16	bnpl	bnpl	VERB
gp-160	18	17	for	for	ADP
gp-160	18	18	its	its	PRON
gp-160	18	19	flexibility	flexibility	NOUN
gp-160	18	20	(	(	PUNCT
gp-160	18	21	56	56	NUM
gp-160	18	22	%	%	NOUN
gp-160	18	23	)	)	PUNCT
gp-160	18	24	,	,	PUNCT
gp-160	18	25	ease	ease	NOUN
gp-160	18	26	of	of	ADP
gp-160	18	27	access	access	NOUN
gp-160	18	28	(	(	PUNCT
gp-160	18	29	55	55	NUM
gp-160	18	30	%	%	NOUN
gp-160	18	31	)	)	PUNCT
gp-160	18	32	,	,	PUNCT
gp-160	18	33	and	and	CCONJ
gp-160	18	34	perceived	perceive	VERB
gp-160	18	35	safety	safety	NOUN
gp-160	18	36	due	due	ADP
gp-160	18	37	to	to	ADP
gp-160	18	38	integration	integration	NOUN
gp-160	18	39	with	with	ADP
gp-160	18	40	e	e	NOUN
gp-160	18	41	-	-	NOUN
gp-160	18	42	commerce	commerce	NOUN
gp-160	18	43	platforms	platform	NOUN
gp-160	18	44	supervised	supervise	VERB
gp-160	18	45	by	by	ADP
gp-160	18	46	the	the	DET
gp-160	18	47	financial	financial	PROPN
gp-160	18	48	services	service	NOUN
gp-160	18	49	authority	authority	NOUN
gp-160	18	50	(	(	PUNCT
gp-160	18	51	ojk	ojk	NOUN
gp-160	18	52	,	,	PUNCT
gp-160	18	53	otoritas	otorita	NOUN
gp-160	18	54	jasa	jasa	PROPN
gp-160	18	55	keuangan	keuangan	PROPN
gp-160	18	56	)	)	PUNCT
gp-160	18	57	.	.	PUNCT
gp-160	19	1	however	however	ADV
gp-160	19	2	,	,	PUNCT
gp-160	19	3	despite	despite	SCONJ
gp-160	19	4	these	these	DET
gp-160	19	5	benefits	benefit	NOUN
gp-160	19	6	,	,	PUNCT
gp-160	19	7	the	the	DET
gp-160	19	8	ease	ease	NOUN
gp-160	19	9	of	of	ADP
gp-160	19	10	bnpl	bnpl	PROPN
gp-160	19	11	has	have	AUX
gp-160	19	12	led	lead	VERB
gp-160	19	13	many	many	ADJ
gp-160	19	14	students	student	NOUN
gp-160	19	15	into	into	ADP
gp-160	19	16	unsustainable	unsustainable	ADJ
gp-160	19	17	consumer	consumer	NOUN
gp-160	19	18	behavior	behavior	NOUN
gp-160	19	19	.	.	PUNCT
gp-160	20	1	by	by	ADP
gp-160	20	2	merely	merely	ADV
gp-160	20	3	tapping	tap	VERB
gp-160	20	4	their	their	PRON
gp-160	20	5	screens	screen	NOUN
gp-160	20	6	,	,	PUNCT
gp-160	20	7	students	student	NOUN
gp-160	20	8	can	can	AUX
gp-160	20	9	acquire	acquire	VERB
gp-160	20	10	non	non	ADJ
gp-160	20	11	-	-	ADJ
gp-160	20	12	essential	essential	ADJ
gp-160	20	13	goods	good	NOUN
gp-160	20	14	,	,	PUNCT
gp-160	20	15	order	order	NOUN
gp-160	20	16	luxury	luxury	NOUN
gp-160	20	17	items	item	NOUN
gp-160	20	18	,	,	PUNCT
gp-160	20	19	or	or	CCONJ
gp-160	20	20	fund	fund	NOUN
gp-160	20	21	vacations	vacation	NOUN
gp-160	20	22	they	they	PRON
gp-160	20	23	can	can	AUX
gp-160	20	24	not	not	PART
gp-160	20	25	afford	afford	VERB
gp-160	20	26	.	.	PUNCT
gp-160	21	1	the	the	DET
gp-160	21	2	result	result	NOUN
gp-160	21	3	is	be	AUX
gp-160	21	4	a	a	DET
gp-160	21	5	cycle	cycle	NOUN
gp-160	21	6	of	of	ADP
gp-160	21	7	debt	debt	NOUN
gp-160	21	8	,	,	PUNCT
gp-160	21	9	with	with	ADP
gp-160	21	10	some	some	DET
gp-160	21	11	students	student	NOUN
gp-160	21	12	owing	owe	VERB
gp-160	21	13	tens	ten	NOUN
gp-160	21	14	of	of	ADP
gp-160	21	15	millions	million	NOUN
gp-160	21	16	in	in	ADP
gp-160	21	17	repayments	repayment	NOUN
gp-160	21	18	they	they	PRON
gp-160	21	19	can	can	AUX
gp-160	21	20	not	not	PART
gp-160	21	21	fulfill	fulfill	VERB
gp-160	21	22	.	.	PUNCT
gp-160	22	1	this	this	PRON
gp-160	22	2	often	often	ADV
gp-160	22	3	leads	lead	VERB
gp-160	22	4	to	to	ADP
gp-160	22	5	a	a	DET
gp-160	22	6	"	"	PUNCT
gp-160	22	7	dig	dig	VERB
gp-160	22	8	a	a	DET
gp-160	22	9	hole	hole	NOUN
gp-160	22	10	,	,	PUNCT
gp-160	22	11	cover	cover	VERB
gp-160	22	12	the	the	DET
gp-160	22	13	hole	hole	NOUN
gp-160	22	14	"	"	PUNCT
gp-160	22	15	debt	debt	NOUN
gp-160	22	16	cycle	cycle	NOUN
gp-160	22	17	,	,	PUNCT
gp-160	22	18	where	where	SCONJ
gp-160	22	19	one	one	NUM
gp-160	22	20	loan	loan	NOUN
gp-160	22	21	is	be	AUX
gp-160	22	22	used	use	VERB
gp-160	22	23	to	to	PART
gp-160	22	24	pay	pay	VERB
gp-160	22	25	off	off	ADP
gp-160	22	26	another	another	PRON
gp-160	22	27	.	.	PUNCT
gp-160	23	1	combined	combine	VERB
gp-160	23	2	with	with	ADP
gp-160	23	3	a	a	DET
gp-160	23	4	lack	lack	NOUN
gp-160	23	5	of	of	ADP
gp-160	23	6	financial	financial	ADJ
gp-160	23	7	literacy	literacy	NOUN
gp-160	23	8	and	and	CCONJ
gp-160	23	9	the	the	DET
gp-160	23	10	addictive	addictive	ADJ
gp-160	23	11	nature	nature	NOUN
gp-160	23	12	of	of	ADP
gp-160	23	13	online	online	ADJ
gp-160	23	14	shopping	shopping	NOUN
gp-160	23	15	,	,	PUNCT
gp-160	23	16	this	this	DET
gp-160	23	17	pattern	pattern	NOUN
gp-160	23	18	becomes	become	VERB
gp-160	23	19	deeply	deeply	ADV
gp-160	23	20	problematic	problematic	ADJ
gp-160	23	21	(	(	PUNCT
gp-160	23	22	weinstein	weinstein	PROPN
gp-160	23	23	et	et	PROPN
gp-160	23	24	al	al	PROPN
gp-160	23	25	.	.	PROPN
gp-160	23	26	,	,	PUNCT
gp-160	23	27	2016	2016	NUM
gp-160	23	28	)	)	PUNCT
gp-160	23	29	.	.	PUNCT
gp-160	24	1	the	the	DET
gp-160	24	2	consumer	consumer	NOUN
gp-160	24	3	lifestyle	lifestyle	NOUN
gp-160	24	4	among	among	ADP
gp-160	24	5	students	student	NOUN
gp-160	24	6	increasingly	increasingly	ADV
gp-160	24	7	leans	lean	VERB
gp-160	24	8	towards	towards	ADP
gp-160	24	9	excessive	excessive	ADJ
gp-160	24	10	consumption	consumption	NOUN
gp-160	24	11	,	,	PUNCT
gp-160	24	12	driven	drive	VERB
gp-160	24	13	by	by	ADP
gp-160	24	14	a	a	DET
gp-160	24	15	desire	desire	NOUN
gp-160	24	16	for	for	ADP
gp-160	24	17	social	social	ADJ
gp-160	24	18	recognition	recognition	NOUN
gp-160	24	19	,	,	PUNCT
gp-160	24	20	prestige	prestige	NOUN
gp-160	24	21	,	,	PUNCT
gp-160	24	22	and	and	CCONJ
gp-160	24	23	adherence	adherence	NOUN
gp-160	24	24	to	to	ADP
gp-160	24	25	trends	trend	NOUN
gp-160	24	26	.	.	PUNCT
gp-160	25	1	students	student	NOUN
gp-160	25	2	allocate	allocate	VERB
gp-160	25	3	their	their	PRON
gp-160	25	4	limited	limit	VERB
gp-160	25	5	funds	fund	NOUN
gp-160	25	6	to	to	ADP
gp-160	25	7	branded	brand	VERB
gp-160	25	8	goods	good	NOUN
gp-160	25	9	and	and	CCONJ
gp-160	25	10	fashionable	fashionable	ADJ
gp-160	25	11	items	item	NOUN
gp-160	25	12	instead	instead	ADV
gp-160	25	13	of	of	ADP
gp-160	25	14	essential	essential	ADJ
gp-160	25	15	academic	academic	ADJ
gp-160	25	16	resources	resource	NOUN
gp-160	25	17	like	like	ADP
gp-160	25	18	books	book	NOUN
gp-160	25	19	(	(	PUNCT
gp-160	25	20	williams	williams	PROPN
gp-160	25	21	&	&	CCONJ
gp-160	25	22	powell	powell	PROPN
gp-160	25	23	,	,	PUNCT
gp-160	25	24	2019	2019	NUM
gp-160	25	25	)	)	PUNCT
gp-160	25	26	.	.	PUNCT
gp-160	26	1	this	this	DET
gp-160	26	2	behavior	behavior	NOUN
gp-160	26	3	is	be	AUX
gp-160	26	4	fueled	fuel	VERB
gp-160	26	5	by	by	ADP
gp-160	26	6	the	the	DET
gp-160	26	7	involvement	involvement	NOUN
gp-160	26	8	of	of	ADP
gp-160	26	9	advanced	advanced	ADJ
gp-160	26	10	payment	payment	NOUN
gp-160	26	11	technologies	technology	NOUN
gp-160	26	12	and	and	CCONJ
gp-160	26	13	the	the	DET
gp-160	26	14	influence	influence	NOUN
gp-160	26	15	of	of	ADP
gp-160	26	16	platforms	platform	NOUN
gp-160	26	17	like	like	ADP
gp-160	26	18	tiktok	tiktok	NOUN
gp-160	26	19	,	,	PUNCT
gp-160	26	20	which	which	PRON
gp-160	26	21	amplify	amplify	VERB
gp-160	26	22	consumerist	consumerist	ADJ
gp-160	26	23	tendencies	tendency	NOUN
gp-160	26	24	(	(	PUNCT
gp-160	26	25	bowo	bowo	NOUN
gp-160	26	26	et	et	PROPN
gp-160	26	27	al	al	PROPN
gp-160	26	28	.	.	PROPN
gp-160	26	29	,	,	PUNCT
gp-160	26	30	2023	2023	NUM
gp-160	26	31	)	)	PUNCT
gp-160	26	32	.	.	PUNCT
gp-160	27	1	the	the	DET
gp-160	27	2	interplay	interplay	NOUN
gp-160	27	3	of	of	ADP
gp-160	27	4	a	a	DET
gp-160	27	5	modern	modern	ADJ
gp-160	27	6	,	,	PUNCT
gp-160	27	7	hedonistic	hedonistic	ADJ
gp-160	27	8	lifestyle	lifestyle	NOUN
gp-160	27	9	with	with	ADP
gp-160	27	10	inadequate	inadequate	ADJ
gp-160	27	11	income	income	NOUN
gp-160	27	12	management	management	NOUN
gp-160	27	13	creates	create	VERB
gp-160	27	14	gaps	gap	NOUN
gp-160	27	15	in	in	ADP
gp-160	27	16	personal	personal	ADJ
gp-160	27	17	financial	financial	ADJ
gp-160	27	18	management	management	NOUN
gp-160	27	19	(	(	PUNCT
gp-160	27	20	neni	neni	ADJ
gp-160	27	21	nurlelasari	nurlelasari	NOUN
gp-160	27	22	,	,	PUNCT
gp-160	27	23	2022	2022	NUM
gp-160	27	24	)	)	PUNCT
gp-160	27	25	.	.	PUNCT
gp-160	28	1	despite	despite	SCONJ
gp-160	28	2	being	be	AUX
gp-160	28	3	part	part	NOUN
gp-160	28	4	of	of	ADP
gp-160	28	5	the	the	DET
gp-160	28	6	highly	highly	ADV
gp-160	28	7	educated	educate	VERB
gp-160	28	8	demographic	demographic	ADJ
gp-160	28	9	,	,	PUNCT
gp-160	28	10	many	many	ADJ
gp-160	28	11	students	student	NOUN
gp-160	28	12	lack	lack	VERB
gp-160	28	13	the	the	DET
gp-160	28	14	ability	ability	NOUN
gp-160	28	15	to	to	PART
gp-160	28	16	manage	manage	VERB
gp-160	28	17	personal	personal	ADJ
gp-160	28	18	finances	finance	NOUN
gp-160	28	19	optimally	optimally	ADV
gp-160	28	20	.	.	PUNCT
gp-160	29	1	research	research	NOUN
gp-160	29	2	indicates	indicate	VERB
gp-160	29	3	that	that	SCONJ
gp-160	29	4	this	this	PRON
gp-160	29	5	is	be	AUX
gp-160	29	6	due	due	ADJ
gp-160	29	7	to	to	ADP
gp-160	29	8	limited	limit	VERB
gp-160	29	9	financial	financial	ADJ
gp-160	29	10	literacy	literacy	NOUN
gp-160	29	11	education	education	NOUN
gp-160	29	12	,	,	PUNCT
gp-160	29	13	parental	parental	ADJ
gp-160	29	14	income	income	NOUN
gp-160	29	15	levels	level	NOUN
gp-160	29	16	,	,	PUNCT
gp-160	29	17	and	and	CCONJ
gp-160	29	18	the	the	DET
gp-160	29	19	inadequacy	inadequacy	NOUN
gp-160	29	20	of	of	ADP
gp-160	29	21	monthly	monthly	ADJ
gp-160	29	22	pocket	pocket	NOUN
gp-160	29	23	money	money	NOUN
gp-160	29	24	(	(	PUNCT
gp-160	29	25	putri	putri	PROPN
gp-160	29	26	&	&	CCONJ
gp-160	29	27	lasmanah	lasmanah	PROPN
gp-160	29	28	,	,	PUNCT
gp-160	29	29	2022	2022	NUM
gp-160	29	30	)	)	PUNCT
gp-160	29	31	.	.	PUNCT
gp-160	30	1	enhancing	enhance	VERB
gp-160	30	2	financial	financial	ADJ
gp-160	30	3	literacy	literacy	NOUN
gp-160	30	4	is	be	AUX
gp-160	30	5	critical	critical	ADJ
gp-160	30	6	,	,	PUNCT
gp-160	30	7	as	as	SCONJ
gp-160	30	8	it	it	PRON
gp-160	30	9	serves	serve	VERB
gp-160	30	10	as	as	ADP
gp-160	30	11	the	the	DET
gp-160	30	12	foundation	foundation	NOUN
gp-160	30	13	for	for	ADP
gp-160	30	14	personal	personal	ADJ
gp-160	30	15	finance	finance	NOUN
gp-160	30	16	management	management	NOUN
gp-160	30	17	and	and	CCONJ
gp-160	30	18	reduces	reduce	VERB
gp-160	30	19	the	the	DET
gp-160	30	20	risk	risk	NOUN
gp-160	30	21	of	of	ADP
gp-160	30	22	financial	financial	ADJ
gp-160	30	23	missteps	misstep	NOUN
gp-160	30	24	(	(	PUNCT
gp-160	30	25	hidayah	hidayah	PROPN
gp-160	30	26	&	&	CCONJ
gp-160	30	27	novianti	novianti	PROPN
gp-160	30	28	,	,	PUNCT
gp-160	30	29	2023	2023	NUM
gp-160	30	30	)	)	PUNCT
gp-160	30	31	.	.	PUNCT
gp-160	31	1	students	student	NOUN
gp-160	31	2	with	with	ADP
gp-160	31	3	higher	high	ADJ
gp-160	31	4	financial	financial	ADJ
gp-160	31	5	literacy	literacy	NOUN
gp-160	31	6	are	be	AUX
gp-160	31	7	more	more	ADV
gp-160	31	8	likely	likely	ADJ
gp-160	31	9	to	to	PART
gp-160	31	10	make	make	VERB
gp-160	31	11	informed	informed	ADJ
gp-160	31	12	financial	financial	ADJ
gp-160	31	13	decisions	decision	NOUN
gp-160	31	14	,	,	PUNCT
gp-160	31	15	considering	consider	VERB
gp-160	31	16	both	both	CCONJ
gp-160	31	17	immediate	immediate	ADJ
gp-160	31	18	needs	need	NOUN
gp-160	31	19	and	and	CCONJ
gp-160	31	20	long	long	ADJ
gp-160	31	21	-	-	PUNCT
gp-160	31	22	term	term	NOUN
gp-160	31	23	risks	risk	NOUN
gp-160	31	24	(	(	PUNCT
gp-160	31	25	kenale	kenale	PROPN
gp-160	31	26	sada	sada	PROPN
gp-160	31	27	,	,	PUNCT
gp-160	31	28	2022	2022	NUM
gp-160	31	29	)	)	PUNCT
gp-160	31	30	.	.	PUNCT
gp-160	32	1	previous	previous	ADJ
gp-160	32	2	studies	study	NOUN
gp-160	32	3	on	on	ADP
gp-160	32	4	the	the	DET
gp-160	32	5	impact	impact	NOUN
gp-160	32	6	of	of	ADP
gp-160	32	7	fintech	fintech	NOUN
gp-160	32	8	on	on	ADP
gp-160	32	9	financial	financial	ADJ
gp-160	32	10	behavior	behavior	NOUN
gp-160	32	11	have	have	AUX
gp-160	32	12	yielded	yield	VERB
gp-160	32	13	inconsistent	inconsistent	ADJ
gp-160	32	14	results	result	NOUN
gp-160	32	15	.	.	PUNCT
gp-160	33	1	apriani	apriani	PROPN
gp-160	33	2	et	et	PROPN
gp-160	33	3	al	al	PROPN
gp-160	33	4	.	.	PROPN
gp-160	34	1	(	(	PUNCT
gp-160	34	2	2023	2023	NUM
gp-160	34	3	)	)	PUNCT
gp-160	34	4	found	find	VERB
gp-160	34	5	that	that	SCONJ
gp-160	34	6	fintech	fintech	NOUN
gp-160	34	7	payments	payment	NOUN
gp-160	34	8	did	do	AUX
gp-160	34	9	not	not	PART
gp-160	34	10	influence	influence	VERB
gp-160	34	11	financial	financial	ADJ
gp-160	34	12	management	management	NOUN
gp-160	34	13	behavior	behavior	NOUN
gp-160	34	14	,	,	PUNCT
gp-160	34	15	whereas	whereas	SCONJ
gp-160	34	16	azhima	azhima	PROPN
gp-160	34	17	&	&	CCONJ
gp-160	34	18	pinem	pinem	PROPN
gp-160	34	19	(	(	PUNCT
gp-160	34	20	2024	2024	NUM
gp-160	34	21	)	)	PUNCT
gp-160	34	22	observed	observe	VERB
gp-160	34	23	a	a	DET
gp-160	34	24	positive	positive	ADJ
gp-160	34	25	effect	effect	NOUN
gp-160	34	26	of	of	ADP
gp-160	34	27	fintech	fintech	NOUN
gp-160	34	28	on	on	ADP
gp-160	34	29	the	the	DET
gp-160	34	30	financial	financial	ADJ
gp-160	34	31	behavior	behavior	NOUN
gp-160	34	32	of	of	ADP
gp-160	34	33	generation	generation	NOUN
gp-160	34	34	z	z	PROPN
gp-160	34	35	in	in	ADP
gp-160	34	36	pulo	pulo	PROPN
gp-160	34	37	village	village	NOUN
gp-160	34	38	.	.	PUNCT
gp-160	35	1	firlianti	firlianti	PROPN
gp-160	35	2	et	et	PROPN
gp-160	35	3	al	al	PROPN
gp-160	35	4	.	.	PROPN
gp-160	36	1	(	(	PUNCT
gp-160	36	2	2023	2023	NUM
gp-160	36	3	)	)	PUNCT
gp-160	36	4	emphasized	emphasize	VERB
gp-160	36	5	the	the	DET
gp-160	36	6	importance	importance	NOUN
gp-160	36	7	of	of	ADP
gp-160	36	8	students	student	NOUN
gp-160	36	9	managing	manage	VERB
gp-160	36	10	their	their	PRON
gp-160	36	11	finances	finance	NOUN
gp-160	36	12	,	,	PUNCT
gp-160	36	13	noting	note	VERB
gp-160	36	14	that	that	SCONJ
gp-160	36	15	poor	poor	ADJ
gp-160	36	16	financial	financial	ADJ
gp-160	36	17	behavior	behavior	NOUN
gp-160	36	18	could	could	AUX
gp-160	36	19	hinder	hinder	VERB
gp-160	36	20	future	future	ADJ
gp-160	36	21	success	success	NOUN
gp-160	36	22	post	post	NOUN
gp-160	36	23	-	-	NOUN
gp-160	36	24	graduation	graduation	NOUN
gp-160	36	25	.	.	PUNCT
gp-160	37	1	building	build	VERB
gp-160	37	2	on	on	ADP
gp-160	37	3	these	these	DET
gp-160	37	4	findings	finding	NOUN
gp-160	37	5	,	,	PUNCT
gp-160	37	6	this	this	DET
gp-160	37	7	study	study	NOUN
gp-160	37	8	aims	aim	VERB
gp-160	37	9	to	to	PART
gp-160	37	10	address	address	VERB
gp-160	37	11	the	the	DET
gp-160	37	12	gaps	gap	NOUN
gp-160	37	13	and	and	CCONJ
gp-160	37	14	resolve	resolve	VERB
gp-160	37	15	the	the	DET
gp-160	37	16	inconsistencies	inconsistency	NOUN
gp-160	37	17	by	by	ADP
gp-160	37	18	introducing	introduce	VERB
gp-160	37	19	new	new	ADJ
gp-160	37	20	variables	variable	NOUN
gp-160	37	21	and	and	CCONJ
gp-160	37	22	exploring	explore	VERB
gp-160	37	23	the	the	DET
gp-160	37	24	underlying	underlie	VERB
gp-160	37	25	factors	factor	NOUN
gp-160	37	26	in	in	ADP
gp-160	37	27	greater	great	ADJ
gp-160	37	28	depth	depth	NOUN
gp-160	37	29	.	.	PUNCT
gp-160	38	1	specifically	specifically	ADV
gp-160	38	2	,	,	PUNCT
gp-160	38	3	it	it	PRON
gp-160	38	4	seeks	seek	VERB
gp-160	38	5	to	to	PART
gp-160	38	6	investigate	investigate	VERB
gp-160	38	7	the	the	DET
gp-160	38	8	influence	influence	NOUN
gp-160	38	9	of	of	ADP
gp-160	38	10	ease	ease	NOUN
gp-160	38	11	of	of	ADP
gp-160	38	12	use	use	NOUN
gp-160	38	13	,	,	PUNCT
gp-160	38	14	perceived	perceive	VERB
gp-160	38	15	risks	risk	NOUN
gp-160	38	16	,	,	PUNCT
gp-160	38	17	and	and	CCONJ
gp-160	38	18	lifestyle	lifestyle	NOUN
gp-160	38	19	on	on	ADP
gp-160	38	20	students	student	NOUN
gp-160	38	21	’	'	PUNCT
gp-160	38	22	financial	financial	ADJ
gp-160	38	23	management	management	NOUN
gp-160	38	24	behavior	behavior	NOUN
gp-160	38	25	,	,	PUNCT
gp-160	38	26	while	while	SCONJ
gp-160	38	27	also	also	ADV
gp-160	38	28	providing	provide	VERB
gp-160	38	29	practical	practical	ADJ
gp-160	38	30	recommendations	recommendation	NOUN
gp-160	38	31	for	for	SCONJ
gp-160	38	32	malang	malang	PROPN
gp-160	38	33	raya	raya	PROPN
gp-160	38	34	students	student	NOUN
gp-160	38	35	to	to	PART
gp-160	38	36	improve	improve	VERB
gp-160	38	37	their	their	PRON
gp-160	38	38	personal	personal	ADJ
gp-160	38	39	financial	financial	ADJ
gp-160	38	40	practices	practice	NOUN
gp-160	38	41	.	.	PUNCT
gp-160	39	1	by	by	ADP
gp-160	39	2	doing	do	VERB
gp-160	39	3	so	so	ADV
gp-160	39	4	,	,	PUNCT
gp-160	39	5	this	this	DET
gp-160	39	6	study	study	NOUN
gp-160	39	7	not	not	PART
gp-160	39	8	only	only	ADV
gp-160	39	9	updates	update	VERB
gp-160	39	10	previous	previous	ADJ
gp-160	39	11	research	research	NOUN
gp-160	39	12	but	but	CCONJ
gp-160	39	13	also	also	ADV
gp-160	39	14	offers	offer	VERB
gp-160	39	15	a	a	DET
gp-160	39	16	more	more	ADV
gp-160	39	17	comprehensive	comprehensive	ADJ
gp-160	39	18	understanding	understanding	NOUN
gp-160	39	19	of	of	ADP
gp-160	39	20	the	the	DET
gp-160	39	21	interplay	interplay	NOUN
gp-160	39	22	between	between	ADP
gp-160	39	23	financial	financial	ADJ
gp-160	39	24	literacy	literacy	NOUN
gp-160	39	25	,	,	PUNCT
gp-160	39	26	fintech	fintech	NOUN
gp-160	39	27	,	,	PUNCT
gp-160	39	28	and	and	CCONJ
gp-160	39	29	student	student	NOUN
gp-160	39	30	consumer	consumer	NOUN
gp-160	39	31	behavior	behavior	NOUN
gp-160	39	32	.	.	PUNCT
gp-160	40	1	american	american	PROPN
gp-160	40	2	journal	journal	PROPN
gp-160	40	3	of	of	ADP
gp-160	40	4	economic	economic	ADJ
gp-160	40	5	and	and	CCONJ
gp-160	40	6	management	management	NOUN
gp-160	40	7	business	business	NOUN
gp-160	40	8	vol	vol	NOUN
gp-160	40	9	.	.	PROPN
gp-160	41	1	4	4	NUM
gp-160	41	2	no	no	NOUN
gp-160	41	3	.	.	NOUN
gp-160	41	4	1	1	NUM
gp-160	41	5	january	january	NOUN
gp-160	41	6	2025	2025	NUM
gp-160	41	7	44	44	NUM
gp-160	41	8	research	research	NOUN
gp-160	41	9	method	method	NOUN
gp-160	41	10	this	this	DET
gp-160	41	11	research	research	NOUN
gp-160	41	12	was	be	AUX
gp-160	41	13	conducted	conduct	VERB
gp-160	41	14	in	in	ADP
gp-160	41	15	malang	malang	PROPN
gp-160	41	16	city	city	NOUN
gp-160	41	17	in	in	ADP
gp-160	41	18	2024	2024	NUM
gp-160	41	19	,	,	PUNCT
gp-160	41	20	from	from	ADP
gp-160	41	21	july	july	PROPN
gp-160	41	22	to	to	ADP
gp-160	41	23	the	the	DET
gp-160	41	24	end	end	NOUN
gp-160	41	25	of	of	ADP
gp-160	41	26	august	august	PROPN
gp-160	41	27	,	,	PUNCT
gp-160	41	28	with	with	ADP
gp-160	41	29	data	datum	NOUN
gp-160	41	30	sourced	source	VERB
gp-160	41	31	from	from	ADP
gp-160	41	32	observations	observation	NOUN
gp-160	41	33	of	of	ADP
gp-160	41	34	active	active	ADJ
gp-160	41	35	students	student	NOUN
gp-160	41	36	in	in	ADP
gp-160	41	37	malang	malang	PROPN
gp-160	41	38	,	,	PUNCT
gp-160	41	39	who	who	PRON
gp-160	41	40	were	be	AUX
gp-160	41	41	members	member	NOUN
gp-160	41	42	of	of	ADP
gp-160	41	43	a	a	DET
gp-160	41	44	whatsapp	whatsapp	NOUN
gp-160	41	45	chat	chat	NOUN
gp-160	41	46	forum	forum	NOUN
gp-160	41	47	.	.	PUNCT
gp-160	42	1	the	the	DET
gp-160	42	2	study	study	NOUN
gp-160	42	3	identified	identify	VERB
gp-160	42	4	a	a	DET
gp-160	42	5	population	population	NOUN
gp-160	42	6	of	of	ADP
gp-160	42	7	250	250	NUM
gp-160	42	8	active	active	ADJ
gp-160	42	9	students	student	NOUN
gp-160	42	10	,	,	PUNCT
gp-160	42	11	assuming	assume	VERB
gp-160	42	12	that	that	SCONJ
gp-160	42	13	these	these	DET
gp-160	42	14	students	student	NOUN
gp-160	42	15	had	have	VERB
gp-160	42	16	experience	experience	NOUN
gp-160	42	17	using	use	VERB
gp-160	42	18	paylater	paylater	NOUN
gp-160	42	19	online	online	ADJ
gp-160	42	20	loans	loan	NOUN
gp-160	42	21	.	.	PUNCT
gp-160	43	1	however	however	ADV
gp-160	43	2	,	,	PUNCT
gp-160	43	3	data	datum	NOUN
gp-160	43	4	was	be	AUX
gp-160	43	5	successfully	successfully	ADV
gp-160	43	6	collected	collect	VERB
gp-160	43	7	from	from	ADP
gp-160	43	8	186	186	NUM
gp-160	43	9	respondents	respondent	NOUN
gp-160	43	10	.	.	PUNCT
gp-160	44	1	the	the	DET
gp-160	44	2	sampling	sample	VERB
gp-160	44	3	technique	technique	NOUN
gp-160	44	4	used	use	VERB
gp-160	44	5	,	,	PUNCT
gp-160	44	6	whether	whether	SCONJ
gp-160	44	7	purposive	purposive	ADJ
gp-160	44	8	sampling	sampling	NOUN
gp-160	44	9	or	or	CCONJ
gp-160	44	10	convenience	convenience	NOUN
gp-160	44	11	sampling	sampling	NOUN
gp-160	44	12	,	,	PUNCT
gp-160	44	13	was	be	AUX
gp-160	44	14	not	not	PART
gp-160	44	15	explicitly	explicitly	ADV
gp-160	44	16	stated	state	VERB
gp-160	44	17	and	and	CCONJ
gp-160	44	18	should	should	AUX
gp-160	44	19	be	be	AUX
gp-160	44	20	clarified	clarify	VERB
gp-160	44	21	to	to	PART
gp-160	44	22	provide	provide	VERB
gp-160	44	23	a	a	DET
gp-160	44	24	better	well	ADJ
gp-160	44	25	understanding	understanding	NOUN
gp-160	44	26	of	of	ADP
gp-160	44	27	the	the	DET
gp-160	44	28	potential	potential	ADJ
gp-160	44	29	limitations	limitation	NOUN
gp-160	44	30	of	of	ADP
gp-160	44	31	the	the	DET
gp-160	44	32	sample	sample	NOUN
gp-160	44	33	.	.	PUNCT
gp-160	45	1	this	this	DET
gp-160	45	2	research	research	NOUN
gp-160	45	3	employed	employ	VERB
gp-160	45	4	a	a	DET
gp-160	45	5	multiple	multiple	ADJ
gp-160	45	6	linear	linear	ADJ
gp-160	45	7	regression	regression	NOUN
gp-160	45	8	approach	approach	NOUN
gp-160	45	9	and	and	CCONJ
gp-160	45	10	hypothesis	hypothesis	NOUN
gp-160	45	11	testing	testing	NOUN
gp-160	45	12	,	,	PUNCT
gp-160	45	13	supported	support	VERB
gp-160	45	14	by	by	ADP
gp-160	45	15	spss	spss	PROPN
gp-160	45	16	v25	v25	PROPN
gp-160	45	17	software	software	NOUN
gp-160	45	18	,	,	PUNCT
gp-160	45	19	to	to	PART
gp-160	45	20	analyze	analyze	VERB
gp-160	45	21	primary	primary	ADJ
gp-160	45	22	data	datum	NOUN
gp-160	45	23	and	and	CCONJ
gp-160	45	24	uncover	uncover	VERB
gp-160	45	25	factual	factual	ADJ
gp-160	45	26	insights	insight	NOUN
gp-160	45	27	.	.	PUNCT
gp-160	46	1	data	datum	NOUN
gp-160	46	2	collection	collection	NOUN
gp-160	46	3	was	be	AUX
gp-160	46	4	conducted	conduct	VERB
gp-160	46	5	using	use	VERB
gp-160	46	6	a	a	DET
gp-160	46	7	questionnaire	questionnaire	NOUN
gp-160	46	8	distributed	distribute	VERB
gp-160	46	9	online	online	ADV
gp-160	46	10	via	via	ADP
gp-160	46	11	google	google	PROPN
gp-160	46	12	forms	form	NOUN
gp-160	46	13	.	.	PUNCT
gp-160	47	1	the	the	DET
gp-160	47	2	questionnaire	questionnaire	NOUN
gp-160	47	3	employed	employ	VERB
gp-160	47	4	a	a	DET
gp-160	47	5	likert	likert	ADJ
gp-160	47	6	scale	scale	NOUN
gp-160	47	7	with	with	ADP
gp-160	47	8	four	four	NUM
gp-160	47	9	response	response	NOUN
gp-160	47	10	options	option	NOUN
gp-160	47	11	:	:	PUNCT
gp-160	47	12	1	1	NUM
gp-160	47	13	=	=	PRON
gp-160	47	14	strongly	strongly	ADV
gp-160	47	15	disagree	disagree	VERB
gp-160	47	16	,	,	PUNCT
gp-160	47	17	2	2	NUM
gp-160	47	18	=	=	NOUN
gp-160	47	19	disagree	disagree	NOUN
gp-160	47	20	,	,	PUNCT
gp-160	47	21	3	3	NUM
gp-160	47	22	=	=	PUNCT
gp-160	47	23	agree	agree	VERB
gp-160	47	24	,	,	PUNCT
gp-160	47	25	and	and	CCONJ
gp-160	47	26	4	4	NUM
gp-160	47	27	=	=	PRON
gp-160	47	28	strongly	strongly	ADV
gp-160	47	29	agree	agree	VERB
gp-160	47	30	,	,	PUNCT
gp-160	47	31	to	to	PART
gp-160	47	32	measure	measure	VERB
gp-160	47	33	variables	variable	NOUN
gp-160	47	34	related	relate	VERB
gp-160	47	35	to	to	ADP
gp-160	47	36	financial	financial	ADJ
gp-160	47	37	technology	technology	NOUN
gp-160	47	38	(	(	PUNCT
gp-160	47	39	paylater	paylater	NOUN
gp-160	47	40	)	)	PUNCT
gp-160	47	41	,	,	PUNCT
gp-160	47	42	hedonistic	hedonistic	ADJ
gp-160	47	43	lifestyle	lifestyle	NOUN
gp-160	47	44	,	,	PUNCT
gp-160	47	45	and	and	CCONJ
gp-160	47	46	financial	financial	ADJ
gp-160	47	47	literacy	literacy	NOUN
gp-160	47	48	on	on	ADP
gp-160	47	49	student	student	NOUN
gp-160	47	50	financial	financial	ADJ
gp-160	47	51	management	management	NOUN
gp-160	47	52	.	.	PUNCT
gp-160	48	1	the	the	DET
gp-160	48	2	operational	operational	ADJ
gp-160	48	3	variables	variable	NOUN
gp-160	48	4	used	use	VERB
gp-160	48	5	in	in	ADP
gp-160	48	6	this	this	DET
gp-160	48	7	study	study	NOUN
gp-160	48	8	were	be	AUX
gp-160	48	9	x1	x1	PROPN
gp-160	48	10	(	(	PUNCT
gp-160	48	11	fintech	fintech	NOUN
gp-160	48	12	paylater	paylater	NOUN
gp-160	48	13	)	)	PUNCT
gp-160	48	14	,	,	PUNCT
gp-160	48	15	x2	x2	PROPN
gp-160	48	16	(	(	PUNCT
gp-160	48	17	lifestyle	lifestyle	NOUN
gp-160	48	18	/	/	SYM
gp-160	48	19	hedonism	hedonism	NOUN
gp-160	48	20	)	)	PUNCT
gp-160	48	21	,	,	PUNCT
gp-160	48	22	and	and	CCONJ
gp-160	48	23	y	y	PROPN
gp-160	48	24	(	(	PUNCT
gp-160	48	25	personal	personal	ADJ
gp-160	48	26	financial	financial	ADJ
gp-160	48	27	management	management	NOUN
gp-160	48	28	)	)	PUNCT
gp-160	48	29	.	.	PUNCT
gp-160	49	1	result	result	NOUN
gp-160	49	2	and	and	CCONJ
gp-160	49	3	discussion	discussion	VERB
gp-160	49	4	the	the	DET
gp-160	49	5	results	result	NOUN
gp-160	49	6	of	of	ADP
gp-160	49	7	this	this	DET
gp-160	49	8	research	research	NOUN
gp-160	49	9	are	be	AUX
gp-160	49	10	based	base	VERB
gp-160	49	11	on	on	ADP
gp-160	49	12	processed	process	VERB
gp-160	49	13	data	datum	NOUN
gp-160	49	14	to	to	PART
gp-160	49	15	find	find	VERB
gp-160	49	16	that	that	SCONJ
gp-160	49	17	the	the	DET
gp-160	49	18	proposed	propose	VERB
gp-160	49	19	hypothesis	hypothesis	NOUN
gp-160	49	20	is	be	AUX
gp-160	49	21	accepted	accept	VERB
gp-160	49	22	.	.	PUNCT
gp-160	50	1	financial	financial	ADJ
gp-160	50	2	technology	technology	NOUN
gp-160	50	3	(	(	PUNCT
gp-160	50	4	pay	pay	VERB
gp-160	50	5	later	later	ADV
gp-160	50	6	)	)	PUNCT
gp-160	50	7	has	have	VERB
gp-160	50	8	a	a	DET
gp-160	50	9	positive	positive	ADJ
gp-160	50	10	and	and	CCONJ
gp-160	50	11	significant	significant	ADJ
gp-160	50	12	effect	effect	NOUN
gp-160	50	13	on	on	ADP
gp-160	50	14	the	the	DET
gp-160	50	15	personal	personal	ADJ
gp-160	50	16	financial	financial	ADJ
gp-160	50	17	management	management	NOUN
gp-160	50	18	of	of	ADP
gp-160	50	19	malang	malang	PROPN
gp-160	50	20	city	city	NOUN
gp-160	50	21	students	student	NOUN
gp-160	50	22	.	.	PUNCT
gp-160	51	1	the	the	DET
gp-160	51	2	hedonism	hedonism	NOUN
gp-160	51	3	lifestyle	lifestyle	NOUN
gp-160	51	4	has	have	VERB
gp-160	51	5	a	a	DET
gp-160	51	6	positive	positive	ADJ
gp-160	51	7	and	and	CCONJ
gp-160	51	8	significant	significant	ADJ
gp-160	51	9	effect	effect	NOUN
gp-160	51	10	on	on	ADP
gp-160	51	11	the	the	DET
gp-160	51	12	personal	personal	ADJ
gp-160	51	13	financial	financial	ADJ
gp-160	51	14	management	management	NOUN
gp-160	51	15	of	of	ADP
gp-160	51	16	malang	malang	PROPN
gp-160	51	17	city	city	NOUN
gp-160	51	18	students	student	NOUN
gp-160	51	19	.	.	PUNCT
gp-160	52	1	fintech	fintech	NOUN
gp-160	52	2	(	(	PUNCT
gp-160	52	3	pay	pay	VERB
gp-160	52	4	later	later	ADV
gp-160	52	5	)	)	PUNCT
gp-160	52	6	and	and	CCONJ
gp-160	52	7	hedonism	hedonism	NOUN
gp-160	52	8	have	have	VERB
gp-160	52	9	a	a	DET
gp-160	52	10	positive	positive	ADJ
gp-160	52	11	and	and	CCONJ
gp-160	52	12	significant	significant	ADJ
gp-160	52	13	effect	effect	NOUN
gp-160	52	14	on	on	ADP
gp-160	52	15	the	the	DET
gp-160	52	16	personal	personal	ADJ
gp-160	52	17	financial	financial	ADJ
gp-160	52	18	management	management	NOUN
gp-160	52	19	of	of	ADP
gp-160	52	20	malang	malang	PROPN
gp-160	52	21	city	city	NOUN
gp-160	52	22	students	student	NOUN
gp-160	52	23	.	.	PUNCT
gp-160	53	1	this	this	PRON
gp-160	53	2	means	mean	VERB
gp-160	53	3	that	that	SCONJ
gp-160	53	4	the	the	DET
gp-160	53	5	effects	effect	NOUN
gp-160	53	6	of	of	ADP
gp-160	53	7	using	use	VERB
gp-160	53	8	financial	financial	ADJ
gp-160	53	9	technology	technology	NOUN
gp-160	53	10	(	(	PUNCT
gp-160	53	11	pay	pay	VERB
gp-160	53	12	later	later	ADV
gp-160	53	13	)	)	PUNCT
gp-160	53	14	and	and	CCONJ
gp-160	53	15	balanced	balanced	ADJ
gp-160	53	16	hedonism	hedonism	NOUN
gp-160	53	17	can	can	AUX
gp-160	53	18	help	help	VERB
gp-160	53	19	manage	manage	VERB
gp-160	53	20	student	student	NOUN
gp-160	53	21	finances	finance	NOUN
gp-160	53	22	well	well	ADV
gp-160	53	23	,	,	PUNCT
gp-160	53	24	which	which	PRON
gp-160	53	25	is	be	AUX
gp-160	53	26	assumed	assume	VERB
gp-160	53	27	to	to	PART
gp-160	53	28	understand	understand	VERB
gp-160	53	29	the	the	DET
gp-160	53	30	negative	negative	ADJ
gp-160	53	31	impact	impact	NOUN
gp-160	53	32	of	of	ADP
gp-160	53	33	excessive	excessive	ADJ
gp-160	53	34	pay	pay	NOUN
gp-160	53	35	later	later	ADV
gp-160	53	36	and	and	CCONJ
gp-160	53	37	hedonism	hedonism	NOUN
gp-160	53	38	to	to	PART
gp-160	53	39	be	be	AUX
gp-160	53	40	more	more	ADV
gp-160	53	41	specific	specific	ADJ
gp-160	53	42	in	in	ADP
gp-160	53	43	explaining	explain	VERB
gp-160	53	44	the	the	DET
gp-160	53	45	results	result	NOUN
gp-160	53	46	of	of	ADP
gp-160	53	47	data	datum	NOUN
gp-160	53	48	processing	processing	NOUN
gp-160	53	49	from	from	ADP
gp-160	53	50	the	the	DET
gp-160	53	51	spss	spss	PROPN
gp-160	53	52	output	output	NOUN
gp-160	53	53	.	.	PUNCT
gp-160	54	1	determination	determination	NOUN
gp-160	54	2	coefficient	coefficient	PROPN
gp-160	54	3	test	test	NOUN
gp-160	54	4	(	(	PUNCT
gp-160	54	5	r2	r2	PROPN
gp-160	54	6	)	)	PUNCT
gp-160	54	7	the	the	DET
gp-160	54	8	coefficient	coefficient	NOUN
gp-160	54	9	of	of	ADP
gp-160	54	10	determination	determination	NOUN
gp-160	54	11	test	test	NOUN
gp-160	54	12	is	be	AUX
gp-160	54	13	used	use	VERB
gp-160	54	14	to	to	PART
gp-160	54	15	measure	measure	VERB
gp-160	54	16	how	how	SCONJ
gp-160	54	17	far	far	ADV
gp-160	54	18	the	the	DET
gp-160	54	19	model	model	NOUN
gp-160	54	20	's	's	PART
gp-160	54	21	ability	ability	NOUN
gp-160	54	22	to	to	PART
gp-160	54	23	explain	explain	VERB
gp-160	54	24	variations	variation	NOUN
gp-160	54	25	in	in	ADP
gp-160	54	26	the	the	DET
gp-160	54	27	dependent	dependent	ADJ
gp-160	54	28	variable	variable	NOUN
gp-160	54	29	.	.	PUNCT
gp-160	55	1	the	the	DET
gp-160	55	2	r²	r²	NOUN
gp-160	55	3	value	value	NOUN
gp-160	55	4	ranges	range	VERB
gp-160	55	5	between	between	ADP
gp-160	55	6	0	0	NUM
gp-160	55	7	-	-	SYM
gp-160	55	8	1	1	NUM
gp-160	55	9	,	,	PUNCT
gp-160	55	10	the	the	PRON
gp-160	55	11	closer	close	ADJ
gp-160	55	12	it	it	PRON
gp-160	55	13	is	be	AUX
gp-160	55	14	to	to	ADP
gp-160	55	15	1	1	NUM
gp-160	55	16	,	,	PUNCT
gp-160	55	17	the	the	PRON
gp-160	55	18	better	well	ADJ
gp-160	55	19	the	the	DET
gp-160	55	20	independent	independent	ADJ
gp-160	55	21	variable	variable	NOUN
gp-160	55	22	's	's	PART
gp-160	55	23	ability	ability	NOUN
gp-160	55	24	to	to	PART
gp-160	55	25	explain	explain	VERB
gp-160	55	26	the	the	DET
gp-160	55	27	dependent	dependent	ADJ
gp-160	55	28	variable	variable	NOUN
gp-160	55	29	(	(	PUNCT
gp-160	55	30	ghozali	ghozali	PROPN
gp-160	55	31	,	,	PUNCT
gp-160	55	32	2018	2018	NUM
gp-160	55	33	)	)	PUNCT
gp-160	55	34	.	.	PUNCT
gp-160	56	1	table	table	NOUN
gp-160	56	2	1	1	NUM
gp-160	56	3	.	.	PUNCT
gp-160	56	4	table	table	NOUN
gp-160	56	5	determination	determination	NOUN
gp-160	56	6	coeficient	coeficient	NOUN
gp-160	56	7	test	test	NOUN
gp-160	56	8	r	r	NOUN
gp-160	56	9	r	r	NOUN
gp-160	56	10	square	square	ADJ
gp-160	56	11	adjusted	adjust	VERB
gp-160	56	12	r	r	NOUN
gp-160	56	13	square	square	NOUN
gp-160	56	14	0,526	0,526	NUM
gp-160	56	15	0,276	0,276	NUM
gp-160	56	16	0,268	0,268	NUM
gp-160	56	17	source	source	NOUN
gp-160	56	18	:	:	PUNCT
gp-160	56	19	data	datum	NOUN
gp-160	56	20	in	in	ADP
gp-160	56	21	processed	process	VERB
gp-160	56	22	2024	2024	NUM
gp-160	56	23	based	base	VERB
gp-160	56	24	on	on	ADP
gp-160	56	25	the	the	DET
gp-160	56	26	results	result	NOUN
gp-160	56	27	of	of	ADP
gp-160	56	28	the	the	DET
gp-160	56	29	determination	determination	NOUN
gp-160	56	30	test	test	NOUN
gp-160	56	31	table	table	NOUN
gp-160	56	32	(	(	PUNCT
gp-160	56	33	r²	r²	NOUN
gp-160	56	34	)	)	PUNCT
gp-160	56	35	above	above	ADV
gp-160	56	36	,	,	PUNCT
gp-160	56	37	the	the	DET
gp-160	56	38	adjusted	adjust	VERB
gp-160	56	39	r	r	NOUN
gp-160	56	40	square	square	ADJ
gp-160	56	41	value	value	NOUN
gp-160	56	42	of	of	ADP
gp-160	56	43	the	the	DET
gp-160	56	44	2	2	NUM
gp-160	56	45	independent	independent	ADJ
gp-160	56	46	variables	variable	NOUN
gp-160	56	47	in	in	ADP
gp-160	56	48	this	this	DET
gp-160	56	49	study	study	NOUN
gp-160	56	50	is	be	AUX
gp-160	56	51	0.276	0.276	NUM
gp-160	56	52	.	.	PUNCT
gp-160	57	1	this	this	DET
gp-160	57	2	value	value	NOUN
gp-160	57	3	shows	show	VERB
gp-160	57	4	that	that	SCONJ
gp-160	57	5	the	the	DET
gp-160	57	6	influence	influence	NOUN
gp-160	57	7	of	of	ADP
gp-160	57	8	the	the	DET
gp-160	57	9	2	2	NUM
gp-160	57	10	independent	independent	ADJ
gp-160	57	11	variables	variable	NOUN
gp-160	57	12	x1	x1	PROPN
gp-160	57	13	fintech	fintech	NOUN
gp-160	57	14	(	(	PUNCT
gp-160	57	15	pay	pay	VERB
gp-160	57	16	later	later	ADV
gp-160	57	17	)	)	PUNCT
gp-160	57	18	and	and	CCONJ
gp-160	57	19	x2	x2	ADJ
gp-160	57	20	lifestyle	lifestyle	NOUN
gp-160	57	21	on	on	ADP
gp-160	57	22	the	the	DET
gp-160	57	23	dependent	dependent	ADJ
gp-160	57	24	variable	variable	NOUN
gp-160	57	25	(	(	PUNCT
gp-160	57	26	personal	personal	PROPN
gp-160	57	27	bagus	bagus	PROPN
gp-160	57	28	suherman	suherman	PROPN
gp-160	57	29	,	,	PUNCT
gp-160	57	30	m.	m.	PROPN
gp-160	57	31	jamal	jamal	PROPN
gp-160	57	32	abdul	abdul	PROPN
gp-160	57	33	nasir	nasir	PROPN
gp-160	57	34	,	,	PUNCT
gp-160	57	35	bagus	bagus	PROPN
gp-160	57	36	ibnu	ibnu	PROPN
gp-160	57	37	utama	utama	PROPN
gp-160	57	38	45	45	NUM
gp-160	57	39	financial	financial	ADJ
gp-160	57	40	management	management	NOUN
gp-160	57	41	)	)	PUNCT
gp-160	57	42	is	be	AUX
gp-160	57	43	27.6	27.6	NUM
gp-160	57	44	%	%	NOUN
gp-160	57	45	.	.	PUNCT
gp-160	58	1	meanwhile	meanwhile	ADV
gp-160	58	2	,	,	PUNCT
gp-160	58	3	the	the	DET
gp-160	58	4	remainder	remainder	NOUN
gp-160	58	5	(	(	PUNCT
gp-160	58	6	100	100	NUM
gp-160	58	7	%	%	NOUN
gp-160	58	8	72.4	72.4	NUM
gp-160	58	9	%	%	NOUN
gp-160	58	10	)	)	PUNCT
gp-160	58	11	is	be	AUX
gp-160	58	12	influenced	influence	VERB
gp-160	58	13	by	by	ADP
gp-160	58	14	other	other	ADJ
gp-160	58	15	variables	variable	NOUN
gp-160	58	16	outside	outside	ADP
gp-160	58	17	the	the	DET
gp-160	58	18	independent	independent	ADJ
gp-160	58	19	variables	variable	NOUN
gp-160	58	20	in	in	ADP
gp-160	58	21	this	this	DET
gp-160	58	22	research	research	NOUN
gp-160	58	23	.	.	PUNCT
gp-160	59	1	t	t	PROPN
gp-160	59	2	/	/	SYM
gp-160	59	3	parsial	parsial	ADJ
gp-160	59	4	test	test	NOUN
gp-160	59	5	the	the	DET
gp-160	59	6	t	t	PROPN
gp-160	59	7	test	test	NOUN
gp-160	59	8	is	be	AUX
gp-160	59	9	used	use	VERB
gp-160	59	10	to	to	PART
gp-160	59	11	determine	determine	VERB
gp-160	59	12	whether	whether	SCONJ
gp-160	59	13	the	the	DET
gp-160	59	14	independent	independent	ADJ
gp-160	59	15	variable	variable	NOUN
gp-160	59	16	(	(	PUNCT
gp-160	59	17	x	x	X
gp-160	59	18	)	)	PUNCT
gp-160	59	19	partially	partially	ADV
gp-160	59	20	(	(	PUNCT
gp-160	59	21	individually	individually	ADV
gp-160	59	22	)	)	PUNCT
gp-160	59	23	has	have	VERB
gp-160	59	24	a	a	DET
gp-160	59	25	real	real	ADJ
gp-160	59	26	effect	effect	NOUN
gp-160	59	27	on	on	ADP
gp-160	59	28	the	the	DET
gp-160	59	29	dependent	dependent	ADJ
gp-160	59	30	variable	variable	NOUN
gp-160	59	31	(	(	PUNCT
gp-160	59	32	y	y	NOUN
gp-160	59	33	)	)	PUNCT
gp-160	59	34	.	.	PUNCT
gp-160	60	1	the	the	DET
gp-160	60	2	degree	degree	NOUN
gp-160	60	3	of	of	ADP
gp-160	60	4	significance	significance	NOUN
gp-160	60	5	used	use	VERB
gp-160	60	6	in	in	ADP
gp-160	60	7	this	this	DET
gp-160	60	8	research	research	NOUN
gp-160	60	9	is	be	AUX
gp-160	60	10	0.05	0.05	NUM
gp-160	60	11	.	.	PUNCT
gp-160	61	1	where	where	SCONJ
gp-160	61	2	if	if	SCONJ
gp-160	61	3	the	the	DET
gp-160	61	4	significance	significance	NOUN
gp-160	61	5	value	value	NOUN
gp-160	61	6	(	(	PUNCT
gp-160	61	7	sig	sig	NOUN
gp-160	61	8	.	.	PUNCT
gp-160	61	9	)	)	PUNCT
gp-160	61	10	<	<	X
gp-160	61	11	0.05	0.05	NUM
gp-160	61	12	then	then	ADV
gp-160	61	13	the	the	DET
gp-160	61	14	independent	independent	ADJ
gp-160	61	15	variable	variable	NOUN
gp-160	61	16	partially	partially	ADV
gp-160	61	17	influences	influence	VERB
gp-160	61	18	the	the	DET
gp-160	61	19	dependent	dependent	ADJ
gp-160	61	20	variable	variable	NOUN
gp-160	61	21	.	.	PUNCT
gp-160	62	1	the	the	DET
gp-160	62	2	t	t	PROPN
gp-160	62	3	test	test	NOUN
gp-160	62	4	results	result	NOUN
gp-160	62	5	are	be	AUX
gp-160	62	6	explained	explain	VERB
gp-160	62	7	in	in	ADP
gp-160	62	8	the	the	DET
gp-160	62	9	following	follow	VERB
gp-160	62	10	table	table	NOUN
gp-160	62	11	:	:	PUNCT
gp-160	62	12	table	table	NOUN
gp-160	62	13	2	2	NUM
gp-160	62	14	.	.	PUNCT
gp-160	62	15	table	table	NOUN
gp-160	62	16	t	t	PROPN
gp-160	62	17	/	/	SYM
gp-160	62	18	parsial	parsial	ADJ
gp-160	62	19	test	test	NOUN
gp-160	62	20	variabel	variabel	PROPN
gp-160	62	21	t	t	PROPN
gp-160	63	1	sig	sig	NOUN
gp-160	64	1	x1	x1	PRON
gp-160	64	2	3,614	3,614	NUM
gp-160	64	3	0,000	0,000	NUM
gp-160	65	1	x2	x2	NOUN
gp-160	65	2	6,655	6,655	NUM
gp-160	65	3	0,000	0,000	NUM
gp-160	65	4	source	source	NOUN
gp-160	65	5	:	:	PUNCT
gp-160	65	6	data	datum	NOUN
gp-160	65	7	in	in	ADP
gp-160	65	8	processed	process	VERB
gp-160	65	9	2024	2024	NUM
gp-160	65	10	based	base	VERB
gp-160	65	11	on	on	ADP
gp-160	65	12	the	the	DET
gp-160	65	13	significance	significance	NOUN
gp-160	65	14	value	value	NOUN
gp-160	65	15	,	,	PUNCT
gp-160	65	16	x1	x1	PROPN
gp-160	65	17	fintech	fintech	NOUN
gp-160	65	18	(	(	PUNCT
gp-160	65	19	pay	pay	NOUN
gp-160	65	20	later	later	ADV
gp-160	65	21	)	)	PUNCT
gp-160	65	22	is	be	AUX
gp-160	65	23	0.000	0.000	NUM
gp-160	65	24	and	and	CCONJ
gp-160	65	25	the	the	DET
gp-160	65	26	lifestyle	lifestyle	NOUN
gp-160	65	27	significance	significance	NOUN
gp-160	65	28	value	value	NOUN
gp-160	65	29	is	be	AUX
gp-160	65	30	0.000	0.000	NUM
gp-160	65	31	.	.	PUNCT
gp-160	66	1	because	because	SCONJ
gp-160	66	2	the	the	DET
gp-160	66	3	significance	significance	NOUN
gp-160	66	4	value	value	NOUN
gp-160	66	5	of	of	ADP
gp-160	66	6	the	the	DET
gp-160	66	7	two	two	NUM
gp-160	66	8	independent	independent	ADJ
gp-160	66	9	variables	variable	NOUN
gp-160	66	10	is	be	AUX
gp-160	66	11	<	<	X
gp-160	66	12	0.05	0.05	NUM
gp-160	66	13	,	,	PUNCT
gp-160	66	14	the	the	DET
gp-160	66	15	first	first	ADJ
gp-160	66	16	hypothesis	hypothesis	NOUN
gp-160	66	17	(	(	PUNCT
gp-160	66	18	h1	h1	PROPN
gp-160	66	19	)	)	PUNCT
gp-160	66	20	and	and	CCONJ
gp-160	66	21	second	second	ADJ
gp-160	66	22	hypothesis	hypothesis	NOUN
gp-160	66	23	(	(	PUNCT
gp-160	66	24	h2	h2	NOUN
gp-160	66	25	)	)	PUNCT
gp-160	66	26	are	be	AUX
gp-160	66	27	accepted	accept	VERB
gp-160	66	28	.	.	PUNCT
gp-160	67	1	from	from	ADP
gp-160	67	2	these	these	DET
gp-160	67	3	results	result	NOUN
gp-160	67	4	there	there	PRON
gp-160	67	5	is	be	VERB
gp-160	67	6	an	an	DET
gp-160	67	7	influence	influence	NOUN
gp-160	67	8	between	between	ADP
gp-160	67	9	the	the	DET
gp-160	67	10	variables	variable	NOUN
gp-160	67	11	fintech	fintech	NOUN
gp-160	67	12	(	(	PUNCT
gp-160	67	13	pay	pay	VERB
gp-160	67	14	later	later	ADV
gp-160	67	15	)	)	PUNCT
gp-160	67	16	and	and	CCONJ
gp-160	67	17	lifestyle	lifestyle	NOUN
gp-160	67	18	partially	partially	ADV
gp-160	67	19	(	(	PUNCT
gp-160	67	20	each	each	PRON
gp-160	67	21	)	)	PUNCT
gp-160	67	22	on	on	ADP
gp-160	67	23	the	the	DET
gp-160	67	24	dependent	dependent	ADJ
gp-160	67	25	variable	variable	ADJ
gp-160	67	26	personal	personal	ADJ
gp-160	67	27	financial	financial	ADJ
gp-160	67	28	management	management	NOUN
gp-160	67	29	of	of	ADP
gp-160	67	30	malang	malang	PROPN
gp-160	67	31	city	city	NOUN
gp-160	67	32	students	student	NOUN
gp-160	67	33	.	.	PUNCT
gp-160	68	1	then	then	ADV
gp-160	68	2	,	,	PUNCT
gp-160	68	3	based	base	VERB
gp-160	68	4	on	on	ADP
gp-160	68	5	the	the	DET
gp-160	68	6	comparison	comparison	NOUN
gp-160	68	7	of	of	ADP
gp-160	68	8	the	the	DET
gp-160	68	9	calculated	calculate	VERB
gp-160	68	10	t	t	NOUN
gp-160	68	11	value	value	NOUN
gp-160	68	12	with	with	ADP
gp-160	68	13	the	the	DET
gp-160	68	14	t	t	NOUN
gp-160	68	15	table	table	NOUN
gp-160	68	16	,	,	PUNCT
gp-160	68	17	there	there	PRON
gp-160	68	18	are	be	VERB
gp-160	68	19	partial	partial	ADJ
gp-160	68	20	test	test	NOUN
gp-160	68	21	results	result	NOUN
gp-160	68	22	using	use	VERB
gp-160	68	23	the	the	DET
gp-160	68	24	t	t	PROPN
gp-160	68	25	test	test	NOUN
gp-160	68	26	,	,	PUNCT
gp-160	68	27	the	the	DET
gp-160	68	28	calculated	calculate	VERB
gp-160	68	29	t	t	NOUN
gp-160	68	30	value	value	NOUN
gp-160	68	31	is	be	AUX
gp-160	68	32	3.641	3.641	NUM
gp-160	68	33	>	>	PUNCT
gp-160	68	34	t	t	PROPN
gp-160	68	35	table	table	NOUN
gp-160	68	36	1.653	1.653	NUM
gp-160	68	37	,	,	PUNCT
gp-160	68	38	which	which	PRON
gp-160	68	39	means	mean	VERB
gp-160	68	40	that	that	SCONJ
gp-160	68	41	in	in	ADP
gp-160	68	42	this	this	DET
gp-160	68	43	study	study	NOUN
gp-160	68	44	the	the	DET
gp-160	68	45	variable	variable	ADJ
gp-160	68	46	y	y	PROPN
gp-160	68	47	(	(	PUNCT
gp-160	68	48	personal	personal	ADJ
gp-160	68	49	financial	financial	ADJ
gp-160	68	50	management	management	NOUN
gp-160	68	51	)	)	PUNCT
gp-160	68	52	is	be	AUX
gp-160	68	53	influenced	influence	VERB
gp-160	68	54	by	by	ADP
gp-160	68	55	the	the	DET
gp-160	68	56	variable	variable	ADJ
gp-160	68	57	x1	x1	PROPN
gp-160	68	58	(	(	PUNCT
gp-160	68	59	fintech	fintech	NOUN
gp-160	68	60	(	(	PUNCT
gp-160	68	61	pay	pay	VERB
gp-160	68	62	later	later	ADV
gp-160	68	63	)	)	PUNCT
gp-160	68	64	.	.	PUNCT
gp-160	69	1	then	then	ADV
gp-160	69	2	x2	x2	PRON
gp-160	69	3	(	(	PUNCT
gp-160	69	4	lifestyle	lifestyle	NOUN
gp-160	69	5	)	)	PUNCT
gp-160	69	6	is	be	AUX
gp-160	69	7	6.655	6.655	NUM
gp-160	69	8	>	>	PUNCT
gp-160	69	9	t	t	PROPN
gp-160	69	10	table	table	NOUN
gp-160	69	11	1.653	1.653	NUM
gp-160	69	12	which	which	PRON
gp-160	69	13	means	mean	VERB
gp-160	69	14	that	that	SCONJ
gp-160	69	15	in	in	ADP
gp-160	69	16	this	this	DET
gp-160	69	17	study	study	NOUN
gp-160	69	18	the	the	DET
gp-160	69	19	variable	variable	ADJ
gp-160	69	20	y	y	PROPN
gp-160	69	21	(	(	PUNCT
gp-160	69	22	personal	personal	ADJ
gp-160	69	23	financial	financial	ADJ
gp-160	69	24	management	management	NOUN
gp-160	69	25	)	)	PUNCT
gp-160	69	26	is	be	AUX
gp-160	69	27	influenced	influence	VERB
gp-160	69	28	by	by	ADP
gp-160	69	29	)	)	PUNCT
gp-160	69	30	and	and	CCONJ
gp-160	69	31	the	the	DET
gp-160	69	32	second	second	ADJ
gp-160	69	33	hypothesis	hypothesis	NOUN
gp-160	69	34	(	(	PUNCT
gp-160	69	35	h2	h2	NOUN
gp-160	69	36	)	)	PUNCT
gp-160	69	37	is	be	AUX
gp-160	69	38	accepted	accept	VERB
gp-160	69	39	,	,	PUNCT
gp-160	69	40	where	where	SCONJ
gp-160	69	41	there	there	PRON
gp-160	69	42	is	be	VERB
gp-160	69	43	an	an	DET
gp-160	69	44	influence	influence	NOUN
gp-160	69	45	between	between	ADP
gp-160	69	46	the	the	DET
gp-160	69	47	variables	variable	NOUN
gp-160	69	48	fintech	fintech	NOUN
gp-160	69	49	(	(	PUNCT
gp-160	69	50	pay	pay	VERB
gp-160	69	51	later	later	ADV
gp-160	69	52	and	and	CCONJ
gp-160	69	53	lifestyle	lifestyle	NOUN
gp-160	69	54	)	)	PUNCT
gp-160	69	55	on	on	ADP
gp-160	69	56	the	the	DET
gp-160	69	57	dependent	dependent	ADJ
gp-160	69	58	variable	variable	ADJ
gp-160	69	59	personal	personal	ADJ
gp-160	69	60	financial	financial	ADJ
gp-160	69	61	management	management	NOUN
gp-160	69	62	in	in	ADP
gp-160	69	63	malang	malang	PROPN
gp-160	69	64	city	city	NOUN
gp-160	69	65	students	student	NOUN
gp-160	69	66	f	f	PROPN
gp-160	69	67	/	/	SYM
gp-160	69	68	simultane	simultane	PROPN
gp-160	69	69	test	test	NOUN
gp-160	69	70	the	the	DET
gp-160	69	71	f	f	PROPN
gp-160	69	72	test	test	NOUN
gp-160	69	73	is	be	AUX
gp-160	69	74	carried	carry	VERB
gp-160	69	75	out	out	ADP
gp-160	69	76	with	with	ADP
gp-160	69	77	the	the	DET
gp-160	69	78	aim	aim	NOUN
gp-160	69	79	of	of	ADP
gp-160	69	80	determining	determine	VERB
gp-160	69	81	the	the	DET
gp-160	69	82	influence	influence	NOUN
gp-160	69	83	of	of	ADP
gp-160	69	84	variable	variable	NOUN
gp-160	69	85	x	x	NOUN
gp-160	69	86	simultaneously	simultaneously	ADV
gp-160	69	87	(	(	PUNCT
gp-160	69	88	together	together	ADV
gp-160	69	89	)	)	PUNCT
gp-160	69	90	on	on	ADP
gp-160	69	91	the	the	DET
gp-160	69	92	dependent	dependent	ADJ
gp-160	69	93	variable	variable	NOUN
gp-160	69	94	(	(	PUNCT
gp-160	69	95	y	y	NOUN
gp-160	69	96	)	)	PUNCT
gp-160	69	97	.	.	PUNCT
gp-160	70	1	the	the	DET
gp-160	70	2	degree	degree	NOUN
gp-160	70	3	of	of	ADP
gp-160	70	4	confidence	confidence	NOUN
gp-160	70	5	used	use	VERB
gp-160	70	6	is	be	AUX
gp-160	70	7	0.05	0.05	NUM
gp-160	70	8	.	.	PUNCT
gp-160	71	1	if	if	SCONJ
gp-160	71	2	the	the	DET
gp-160	71	3	calculated	calculated	ADJ
gp-160	71	4	f	f	PROPN
gp-160	71	5	value	value	NOUN
gp-160	71	6	is	be	AUX
gp-160	71	7	<	<	X
gp-160	71	8	0.05	0.05	NUM
gp-160	71	9	,	,	PUNCT
gp-160	71	10	then	then	ADV
gp-160	71	11	the	the	DET
gp-160	71	12	independent	independent	ADJ
gp-160	71	13	variable	variable	NOUN
gp-160	71	14	simultaneously	simultaneously	ADV
gp-160	71	15	has	have	VERB
gp-160	71	16	a	a	DET
gp-160	71	17	significant	significant	ADJ
gp-160	71	18	effect	effect	NOUN
gp-160	71	19	on	on	ADP
gp-160	71	20	the	the	DET
gp-160	71	21	dependent	dependent	ADJ
gp-160	71	22	variable	variable	NOUN
gp-160	71	23	.	.	PUNCT
gp-160	72	1	the	the	DET
gp-160	72	2	results	result	NOUN
gp-160	72	3	of	of	ADP
gp-160	72	4	the	the	DET
gp-160	72	5	f	f	PROPN
gp-160	72	6	test	test	NOUN
gp-160	72	7	can	can	AUX
gp-160	72	8	be	be	AUX
gp-160	72	9	seen	see	VERB
gp-160	72	10	in	in	ADP
gp-160	72	11	the	the	DET
gp-160	72	12	following	follow	VERB
gp-160	72	13	table	table	NOUN
gp-160	72	14	:	:	PUNCT
gp-160	72	15	table	table	NOUN
gp-160	72	16	3	3	NUM
gp-160	72	17	.	.	PUNCT
gp-160	72	18	table	table	NOUN
gp-160	72	19	f	f	PROPN
gp-160	72	20	/	/	SYM
gp-160	72	21	simultane	simultane	PROPN
gp-160	72	22	test	test	NOUN
gp-160	72	23	variabel	variabel	PROPN
gp-160	72	24	f	f	PROPN
gp-160	73	1	sig	sig	INTJ
gp-160	74	1	x1	x1	PROPN
gp-160	74	2	.	.	PUNCT
gp-160	75	1	x2	x2	INTJ
gp-160	75	2	34,918	34,918	NUM
gp-160	75	3	0,000	0,000	NUM
gp-160	75	4	source	source	NOUN
gp-160	75	5	:	:	PUNCT
gp-160	75	6	data	datum	NOUN
gp-160	75	7	in	in	ADP
gp-160	75	8	processed	process	VERB
gp-160	75	9	2024	2024	NUM
gp-160	75	10	based	base	VERB
gp-160	75	11	on	on	ADP
gp-160	75	12	the	the	DET
gp-160	75	13	significance	significance	NOUN
gp-160	75	14	value	value	NOUN
gp-160	75	15	(	(	PUNCT
gp-160	75	16	sig	sig	NOUN
gp-160	75	17	.	.	PUNCT
gp-160	75	18	)	)	PUNCT
gp-160	75	19	from	from	ADP
gp-160	75	20	the	the	DET
gp-160	75	21	anova	anova	PROPN
gp-160	75	22	output	output	PROPN
gp-160	75	23	,	,	PUNCT
gp-160	75	24	it	it	PRON
gp-160	75	25	is	be	AUX
gp-160	75	26	known	know	VERB
gp-160	75	27	that	that	SCONJ
gp-160	75	28	the	the	DET
gp-160	75	29	sig	sig	NOUN
gp-160	75	30	value	value	NOUN
gp-160	75	31	.	.	PUNCT
gp-160	76	1	is	be	AUX
gp-160	76	2	0.000	0.000	NUM
gp-160	76	3	and	and	CCONJ
gp-160	76	4	is	be	AUX
gp-160	76	5	in	in	ADP
gp-160	76	6	accordance	accordance	NOUN
gp-160	76	7	with	with	ADP
gp-160	76	8	the	the	DET
gp-160	76	9	basis	basis	NOUN
gp-160	76	10	for	for	ADP
gp-160	76	11	decision	decision	NOUN
gp-160	76	12	making	making	NOUN
gp-160	76	13	in	in	ADP
gp-160	76	14	the	the	DET
gp-160	76	15	f	f	PROPN
gp-160	76	16	test	test	NOUN
gp-160	76	17	,	,	PUNCT
gp-160	76	18	where	where	SCONJ
gp-160	76	19	if	if	SCONJ
gp-160	76	20	0.000	0.000	NUM
gp-160	76	21	<	<	X
gp-160	76	22	0.05	0.05	NUM
gp-160	76	23	it	it	PRON
gp-160	76	24	can	can	AUX
gp-160	76	25	be	be	AUX
gp-160	76	26	concluded	conclude	VERB
gp-160	76	27	that	that	SCONJ
gp-160	76	28	the	the	DET
gp-160	76	29	hypothesis	hypothesis	NOUN
gp-160	76	30	is	be	AUX
gp-160	76	31	accepted	accept	VERB
gp-160	76	32	.	.	PUNCT
gp-160	77	1	which	which	PRON
gp-160	77	2	means	mean	VERB
gp-160	77	3	that	that	SCONJ
gp-160	77	4	the	the	DET
gp-160	77	5	variables	variable	NOUN
gp-160	77	6	between	between	ADP
gp-160	77	7	fintech	fintech	NOUN
gp-160	77	8	(	(	PUNCT
gp-160	77	9	pay	pay	VERB
gp-160	77	10	later	later	ADV
gp-160	77	11	)	)	PUNCT
gp-160	77	12	and	and	CCONJ
gp-160	77	13	lifestyle	lifestyle	NOUN
gp-160	77	14	simultaneously	simultaneously	ADV
gp-160	77	15	influence	influence	VERB
gp-160	77	16	the	the	DET
gp-160	77	17	dependent	dependent	ADJ
gp-160	77	18	variable	variable	ADJ
gp-160	77	19	personal	personal	ADJ
gp-160	77	20	financial	financial	ADJ
gp-160	77	21	management	management	NOUN
gp-160	77	22	,	,	PUNCT
gp-160	77	23	so	so	SCONJ
gp-160	77	24	h3	h3	NOUN
gp-160	77	25	is	be	AUX
gp-160	77	26	accepted	accept	VERB
gp-160	77	27	.	.	PUNCT
gp-160	78	1	american	american	ADJ
gp-160	78	2	journal	journal	PROPN
gp-160	78	3	of	of	ADP
gp-160	78	4	economic	economic	ADJ
gp-160	78	5	and	and	CCONJ
gp-160	78	6	management	management	NOUN
gp-160	78	7	business	business	NOUN
gp-160	78	8	vol	vol	NOUN
gp-160	78	9	.	.	PROPN
gp-160	79	1	4	4	NUM
gp-160	79	2	no	no	NOUN
gp-160	79	3	.	.	NOUN
gp-160	79	4	1	1	NUM
gp-160	79	5	january	january	NOUN
gp-160	79	6	2025	2025	NUM
gp-160	79	7	46	46	NUM
gp-160	79	8	based	base	VERB
gp-160	79	9	on	on	ADP
gp-160	79	10	a	a	DET
gp-160	79	11	comparison	comparison	NOUN
gp-160	79	12	of	of	ADP
gp-160	79	13	the	the	DET
gp-160	79	14	calculated	calculated	ADJ
gp-160	79	15	f	f	PROPN
gp-160	79	16	value	value	NOUN
gp-160	79	17	with	with	ADP
gp-160	79	18	the	the	DET
gp-160	79	19	f	f	PROPN
gp-160	79	20	table	table	NOUN
gp-160	79	21	,	,	PUNCT
gp-160	79	22	it	it	PRON
gp-160	79	23	is	be	AUX
gp-160	79	24	known	know	VERB
gp-160	79	25	that	that	SCONJ
gp-160	79	26	the	the	DET
gp-160	79	27	f	f	PROPN
gp-160	79	28	table	table	NOUN
gp-160	79	29	value	value	NOUN
gp-160	79	30	is	be	AUX
gp-160	79	31	3.89	3.89	NUM
gp-160	79	32	where	where	SCONJ
gp-160	79	33	the	the	DET
gp-160	79	34	calculated	calculate	VERB
gp-160	79	35	value	value	NOUN
gp-160	79	36	is	be	AUX
gp-160	79	37	34.918	34.918	NUM
gp-160	79	38	>	>	SYM
gp-160	79	39	3.89	3.89	NUM
gp-160	79	40	,	,	PUNCT
gp-160	79	41	which	which	PRON
gp-160	79	42	means	mean	VERB
gp-160	79	43	that	that	SCONJ
gp-160	79	44	in	in	ADP
gp-160	79	45	this	this	DET
gp-160	79	46	research	research	NOUN
gp-160	79	47	the	the	DET
gp-160	79	48	fintech	fintech	NOUN
gp-160	79	49	variable	variable	NOUN
gp-160	79	50	(	(	PUNCT
gp-160	79	51	pay	pay	VERB
gp-160	79	52	later	later	ADV
gp-160	79	53	)	)	PUNCT
gp-160	79	54	influences	influence	VERB
gp-160	79	55	the	the	DET
gp-160	79	56	dependent	dependent	ADJ
gp-160	79	57	variable	variable	ADJ
gp-160	79	58	personal	personal	ADJ
gp-160	79	59	financial	financial	ADJ
gp-160	79	60	management	management	NOUN
gp-160	79	61	of	of	ADP
gp-160	79	62	malang	malang	PROPN
gp-160	79	63	city	city	NOUN
gp-160	79	64	students	student	NOUN
gp-160	79	65	.	.	PUNCT
gp-160	80	1	so	so	ADV
gp-160	80	2	according	accord	VERB
gp-160	80	3	to	to	ADP
gp-160	80	4	these	these	DET
gp-160	80	5	results	result	NOUN
gp-160	80	6	the	the	DET
gp-160	80	7	third	third	ADJ
gp-160	80	8	hypothesis	hypothesis	NOUN
gp-160	80	9	in	in	ADP
gp-160	80	10	this	this	DET
gp-160	80	11	research	research	NOUN
gp-160	80	12	is	be	AUX
gp-160	80	13	accepted	accept	VERB
gp-160	80	14	and	and	CCONJ
gp-160	80	15	it	it	PRON
gp-160	80	16	can	can	AUX
gp-160	80	17	be	be	AUX
gp-160	80	18	concluded	conclude	VERB
gp-160	80	19	that	that	SCONJ
gp-160	80	20	the	the	DET
gp-160	80	21	fintech	fintech	NOUN
gp-160	80	22	(	(	PUNCT
gp-160	80	23	pay	pay	VERB
gp-160	80	24	later	later	ADV
gp-160	80	25	)	)	PUNCT
gp-160	80	26	and	and	CCONJ
gp-160	80	27	lifestyle	lifestyle	NOUN
gp-160	80	28	variables	variable	NOUN
gp-160	80	29	simultaneously	simultaneously	ADV
gp-160	80	30	influence	influence	VERB
gp-160	80	31	the	the	DET
gp-160	80	32	dependent	dependent	ADJ
gp-160	80	33	variable	variable	ADJ
gp-160	80	34	personal	personal	ADJ
gp-160	80	35	financial	financial	ADJ
gp-160	80	36	management	management	NOUN
gp-160	80	37	,	,	PUNCT
gp-160	80	38	so	so	SCONJ
gp-160	80	39	h3	h3	NOUN
gp-160	80	40	is	be	AUX
gp-160	80	41	accepted	accept	VERB
gp-160	80	42	.	.	PUNCT
gp-160	81	1	this	this	DET
gp-160	81	2	significance	significance	NOUN
gp-160	81	3	value	value	NOUN
gp-160	81	4	proves	prove	VERB
gp-160	81	5	that	that	SCONJ
gp-160	81	6	the	the	DET
gp-160	81	7	variables	variable	NOUN
gp-160	81	8	fintech	fintech	NOUN
gp-160	81	9	(	(	PUNCT
gp-160	81	10	pay	pay	VERB
gp-160	81	11	later	later	ADV
gp-160	81	12	)	)	PUNCT
gp-160	81	13	and	and	CCONJ
gp-160	81	14	lifestyle	lifestyle	NOUN
gp-160	81	15	together	together	ADV
gp-160	81	16	or	or	CCONJ
gp-160	81	17	simultaneously	simultaneously	ADV
gp-160	81	18	influence	influence	VERB
gp-160	81	19	the	the	DET
gp-160	81	20	dependent	dependent	ADJ
gp-160	81	21	variable	variable	ADJ
gp-160	81	22	personal	personal	ADJ
gp-160	81	23	financial	financial	ADJ
gp-160	81	24	management	management	NOUN
gp-160	81	25	.	.	PUNCT
gp-160	82	1	regression	regression	NOUN
gp-160	82	2	equation	equation	NOUN
gp-160	82	3	the	the	DET
gp-160	82	4	regression	regression	NOUN
gp-160	82	5	equation	equation	NOUN
gp-160	82	6	is	be	AUX
gp-160	82	7	used	use	VERB
gp-160	82	8	in	in	ADP
gp-160	82	9	this	this	DET
gp-160	82	10	research	research	NOUN
gp-160	82	11	to	to	PART
gp-160	82	12	provide	provide	VERB
gp-160	82	13	information	information	NOUN
gp-160	82	14	regarding	regard	VERB
gp-160	82	15	whether	whether	SCONJ
gp-160	82	16	or	or	CCONJ
gp-160	82	17	not	not	PART
gp-160	82	18	there	there	PRON
gp-160	82	19	is	be	VERB
gp-160	82	20	an	an	DET
gp-160	82	21	influence	influence	NOUN
gp-160	82	22	of	of	ADP
gp-160	82	23	the	the	DET
gp-160	82	24	fintech	fintech	NOUN
gp-160	82	25	(	(	PUNCT
gp-160	82	26	pay	pay	VERB
gp-160	82	27	later	later	ADV
gp-160	82	28	)	)	PUNCT
gp-160	82	29	and	and	CCONJ
gp-160	82	30	lifestyle	lifestyle	NOUN
gp-160	82	31	variables	variable	NOUN
gp-160	82	32	on	on	ADP
gp-160	82	33	the	the	DET
gp-160	82	34	dependent	dependent	ADJ
gp-160	82	35	variable	variable	ADJ
gp-160	82	36	personal	personal	ADJ
gp-160	82	37	financial	financial	ADJ
gp-160	82	38	management	management	NOUN
gp-160	82	39	of	of	ADP
gp-160	82	40	malang	malang	PROPN
gp-160	82	41	city	city	NOUN
gp-160	82	42	students	student	NOUN
gp-160	82	43	.	.	PUNCT
gp-160	83	1	the	the	DET
gp-160	83	2	regression	regression	NOUN
gp-160	83	3	equation	equation	NOUN
gp-160	83	4	formula	formula	NOUN
gp-160	83	5	in	in	ADP
gp-160	83	6	this	this	DET
gp-160	83	7	research	research	NOUN
gp-160	83	8	is	be	AUX
gp-160	83	9	as	as	SCONJ
gp-160	83	10	follows	follow	VERB
gp-160	83	11	:	:	PUNCT
gp-160	83	12	y	y	PROPN
gp-160	83	13	=	=	PUNCT
gp-160	83	14	a	a	PRON
gp-160	83	15	+	+	X
gp-160	84	1	b1x1	b1x1	NOUN
gp-160	84	2	+	+	SYM
gp-160	84	3	b2x2	b2x2	ADP
gp-160	84	4	+	+	CCONJ
gp-160	84	5	e	e	NOUN
gp-160	84	6	table	table	NOUN
gp-160	84	7	4	4	NUM
gp-160	84	8	.	.	PUNCT
gp-160	84	9	table	table	NOUN
gp-160	84	10	f	f	PROPN
gp-160	84	11	/	/	SYM
gp-160	84	12	simultane	simultane	PROPN
gp-160	84	13	test	test	PROPN
gp-160	84	14	variabel	variabel	PROPN
gp-160	84	15	b	b	PROPN
gp-160	84	16	constant	constant	ADJ
gp-160	84	17	5,655	5,655	NUM
gp-160	84	18	x1	x1	NUM
gp-160	84	19	0,232	0,232	NUM
gp-160	85	1	x2	x2	SYM
gp-160	85	2	0,391	0,391	NUM
gp-160	85	3	source	source	NOUN
gp-160	85	4	:	:	PUNCT
gp-160	85	5	data	datum	NOUN
gp-160	85	6	in	in	ADP
gp-160	85	7	processed	process	VERB
gp-160	85	8	2024	2024	NUM
gp-160	85	9	based	base	VERB
gp-160	85	10	on	on	ADP
gp-160	85	11	the	the	DET
gp-160	85	12	table	table	NOUN
gp-160	85	13	above	above	ADV
gp-160	85	14	,	,	PUNCT
gp-160	85	15	the	the	DET
gp-160	85	16	researcher	researcher	NOUN
gp-160	85	17	formulated	formulate	VERB
gp-160	85	18	the	the	DET
gp-160	85	19	multiple	multiple	ADJ
gp-160	85	20	linear	linear	ADJ
gp-160	85	21	regression	regression	NOUN
gp-160	85	22	equation	equation	NOUN
gp-160	85	23	as	as	SCONJ
gp-160	85	24	follows	follow	VERB
gp-160	85	25	:	:	PUNCT
gp-160	85	26	y	y	PROPN
gp-160	85	27	=	=	PUNCT
gp-160	85	28	5.655	5.655	NUM
gp-160	85	29	+	+	NOUN
gp-160	85	30	0.232x1	0.232x1	ADJ
gp-160	85	31	+	+	PRON
gp-160	85	32	0.391x2	0.391x2	VERB
gp-160	85	33	based	base	VERB
gp-160	85	34	on	on	ADP
gp-160	85	35	the	the	DET
gp-160	85	36	results	result	NOUN
gp-160	85	37	above	above	ADP
gp-160	85	38	,	,	PUNCT
gp-160	85	39	positive	positive	ADJ
gp-160	85	40	constant	constant	ADJ
gp-160	85	41	values	value	NOUN
gp-160	85	42	indicate	indicate	VERB
gp-160	85	43	the	the	DET
gp-160	85	44	positive	positive	ADJ
gp-160	85	45	influence	influence	NOUN
gp-160	85	46	of	of	ADP
gp-160	85	47	the	the	DET
gp-160	85	48	independent	independent	ADJ
gp-160	85	49	variables	variable	NOUN
gp-160	85	50	(	(	PUNCT
gp-160	85	51	x1	x1	PROPN
gp-160	85	52	and	and	CCONJ
gp-160	85	53	x2	x2	NUM
gp-160	85	54	)	)	PUNCT
gp-160	85	55	.	.	PUNCT
gp-160	86	1	0.232	0.232	NUM
gp-160	86	2	(	(	PUNCT
gp-160	86	3	x1	x1	PROPN
gp-160	86	4	)	)	PUNCT
gp-160	86	5	is	be	AUX
gp-160	86	6	the	the	DET
gp-160	86	7	regression	regression	NOUN
gp-160	86	8	coefficient	coefficient	NOUN
gp-160	86	9	value	value	NOUN
gp-160	86	10	of	of	ADP
gp-160	86	11	variable	variable	ADJ
gp-160	86	12	0.391	0.391	NUM
gp-160	86	13	(	(	PUNCT
gp-160	86	14	x2	x2	PROPN
gp-160	86	15	)	)	PUNCT
gp-160	86	16	is	be	AUX
gp-160	86	17	the	the	DET
gp-160	86	18	regression	regression	NOUN
gp-160	86	19	coefficient	coefficient	NOUN
gp-160	86	20	value	value	NOUN
gp-160	86	21	of	of	ADP
gp-160	86	22	variable	variable	NOUN
gp-160	86	23	the	the	DET
gp-160	86	24	influence	influence	NOUN
gp-160	86	25	of	of	ADP
gp-160	86	26	fintech	fintech	NOUN
gp-160	86	27	(	(	PUNCT
gp-160	86	28	pay	pay	VERB
gp-160	86	29	later	later	ADV
gp-160	86	30	)	)	PUNCT
gp-160	86	31	on	on	ADP
gp-160	86	32	personal	personal	ADJ
gp-160	86	33	financial	financial	ADJ
gp-160	86	34	management	management	NOUN
gp-160	86	35	based	base	VERB
gp-160	86	36	on	on	ADP
gp-160	86	37	the	the	DET
gp-160	86	38	test	test	NOUN
gp-160	86	39	results	result	NOUN
gp-160	86	40	,	,	PUNCT
gp-160	86	41	it	it	PRON
gp-160	86	42	can	can	AUX
gp-160	86	43	be	be	AUX
gp-160	86	44	concluded	conclude	VERB
gp-160	86	45	that	that	SCONJ
gp-160	86	46	pay	pay	NOUN
gp-160	86	47	later	later	ADV
gp-160	86	48	has	have	VERB
gp-160	86	49	a	a	DET
gp-160	86	50	positive	positive	ADJ
gp-160	86	51	influence	influence	NOUN
gp-160	86	52	on	on	ADP
gp-160	86	53	students	student	NOUN
gp-160	86	54	'	'	PART
gp-160	86	55	personal	personal	ADJ
gp-160	86	56	financial	financial	ADJ
gp-160	86	57	management	management	NOUN
gp-160	86	58	,	,	PUNCT
gp-160	86	59	the	the	PRON
gp-160	86	60	higher	high	ADJ
gp-160	86	61	the	the	DET
gp-160	86	62	pay	pay	NOUN
gp-160	86	63	later	later	ADV
gp-160	86	64	,	,	PUNCT
gp-160	86	65	the	the	PRON
gp-160	86	66	higher	high	ADJ
gp-160	86	67	the	the	DET
gp-160	86	68	financial	financial	ADJ
gp-160	86	69	literacy	literacy	NOUN
gp-160	86	70	.	.	PUNCT
gp-160	87	1	this	this	PRON
gp-160	87	2	is	be	AUX
gp-160	87	3	in	in	ADP
gp-160	87	4	line	line	NOUN
gp-160	87	5	with	with	ADP
gp-160	87	6	research	research	NOUN
gp-160	87	7	pengaruh	pengaruh	NOUN
gp-160	87	8	kemudahan	kemudahan	PROPN
gp-160	87	9	,	,	PUNCT
gp-160	87	10	risiko	risiko	PROPN
gp-160	87	11	,	,	PUNCT
gp-160	87	12	gaya	gaya	PROPN
gp-160	87	13	hidup	hidup	PROPN
gp-160	87	14	,	,	PUNCT
gp-160	87	15	dan	dan	PROPN
gp-160	87	16	kepercayaan	kepercayaan	PROPN
gp-160	87	17	terhadap	terhadap	PROPN
gp-160	87	18	perilaku	perilaku	PROPN
gp-160	87	19	konsumtif	konsumtif	PROPN
gp-160	87	20	pengguna	pengguna	PROPN
gp-160	87	21	shopee	shopee	PROPN
gp-160	87	22	paylater	paylater	PROPN
gp-160	87	23	di	di	PROPN
gp-160	87	24	indonesia	indonesia	PROPN
gp-160	87	25	(	(	PUNCT
gp-160	87	26	2023	2023	NUM
gp-160	87	27	)	)	PUNCT
gp-160	87	28	"	"	PUNCT
gp-160	87	29	the	the	DET
gp-160	87	30	influence	influence	NOUN
gp-160	87	31	of	of	ADP
gp-160	87	32	convenience	convenience	NOUN
gp-160	87	33	,	,	PUNCT
gp-160	87	34	risk	risk	NOUN
gp-160	87	35	,	,	PUNCT
gp-160	87	36	lifestyle	lifestyle	NOUN
gp-160	87	37	and	and	CCONJ
gp-160	87	38	trust	trust	NOUN
gp-160	87	39	on	on	ADP
gp-160	87	40	the	the	DET
gp-160	87	41	consumer	consumer	NOUN
gp-160	87	42	behaviour	behaviour	NOUN
gp-160	87	43	of	of	ADP
gp-160	87	44	shopee	shopee	NOUN
gp-160	87	45	pay	pay	VERB
gp-160	87	46	later	late	ADJ
gp-160	87	47	users	user	NOUN
gp-160	87	48	in	in	ADP
gp-160	87	49	indonesia	indonesia	PROPN
gp-160	87	50	"	"	PUNCT
gp-160	87	51	with	with	ADP
gp-160	87	52	the	the	DET
gp-160	87	53	results	result	NOUN
gp-160	87	54	that	that	SCONJ
gp-160	87	55	there	there	PRON
gp-160	87	56	is	be	VERB
gp-160	87	57	a	a	DET
gp-160	87	58	significant	significant	ADJ
gp-160	87	59	influence	influence	NOUN
gp-160	87	60	on	on	ADP
gp-160	87	61	consumer	consumer	NOUN
gp-160	87	62	behaviour	behaviour	NOUN
gp-160	87	63	in	in	ADP
gp-160	87	64	indonesia	indonesia	PROPN
gp-160	87	65	.	.	PUNCT
gp-160	88	1	the	the	DET
gp-160	88	2	influence	influence	NOUN
gp-160	88	3	of	of	ADP
gp-160	88	4	lifestyle	lifestyle	NOUN
gp-160	88	5	on	on	ADP
gp-160	88	6	personal	personal	ADJ
gp-160	88	7	financial	financial	ADJ
gp-160	88	8	management	management	NOUN
gp-160	88	9	based	base	VERB
gp-160	88	10	on	on	ADP
gp-160	88	11	the	the	DET
gp-160	88	12	results	result	NOUN
gp-160	88	13	of	of	ADP
gp-160	88	14	partial	partial	ADJ
gp-160	88	15	data	datum	NOUN
gp-160	88	16	processing	processing	NOUN
gp-160	88	17	,	,	PUNCT
gp-160	88	18	hedonism	hedonism	NOUN
gp-160	88	19	influences	influence	VERB
gp-160	88	20	personal	personal	ADJ
gp-160	88	21	financial	financial	ADJ
gp-160	88	22	management	management	NOUN
gp-160	88	23	.	.	PUNCT
gp-160	89	1	this	this	PRON
gp-160	89	2	shows	show	VERB
gp-160	89	3	that	that	SCONJ
gp-160	89	4	the	the	PRON
gp-160	89	5	higher	high	ADJ
gp-160	89	6	the	the	DET
gp-160	89	7	hedonism	hedonism	NOUN
gp-160	89	8	style	style	NOUN
gp-160	89	9	,	,	PUNCT
gp-160	89	10	the	the	PRON
gp-160	89	11	higher	high	ADJ
gp-160	89	12	the	the	DET
gp-160	89	13	level	level	NOUN
gp-160	89	14	of	of	ADP
gp-160	89	15	managing	manage	VERB
gp-160	89	16	students	student	NOUN
gp-160	89	17	'	'	PART
gp-160	89	18	finances	finance	NOUN
gp-160	89	19	.	.	PUNCT
gp-160	90	1	this	this	PRON
gp-160	90	2	is	be	AUX
gp-160	90	3	in	in	ADP
gp-160	90	4	line	line	NOUN
gp-160	90	5	with	with	ADP
gp-160	90	6	research	research	NOUN
gp-160	90	7	(	(	PUNCT
gp-160	90	8	hidayah	hidayah	PROPN
gp-160	90	9	&	&	CCONJ
gp-160	90	10	novianti	novianti	PROPN
gp-160	90	11	,	,	PUNCT
gp-160	90	12	2023	2023	NUM
gp-160	90	13	)	)	PUNCT
gp-160	90	14	the	the	DET
gp-160	90	15	results	result	NOUN
gp-160	90	16	of	of	ADP
gp-160	90	17	respondents	respondent	NOUN
gp-160	90	18	'	'	PART
gp-160	90	19	responses	response	NOUN
gp-160	90	20	regarding	regard	VERB
gp-160	90	21	the	the	DET
gp-160	90	22	hedonism	hedonism	NOUN
gp-160	90	23	lifestyle	lifestyle	NOUN
gp-160	90	24	variable	variable	ADJ
gp-160	90	25	statement	statement	NOUN
gp-160	90	26	with	with	ADP
gp-160	90	27	the	the	DET
gp-160	90	28	most	most	ADJ
gp-160	90	29	answers	answer	NOUN
gp-160	90	30	strongly	strongly	ADV
gp-160	90	31	agreeing	agree	VERB
gp-160	90	32	with	with	ADP
gp-160	90	33	the	the	DET
gp-160	90	34	statement	statement	NOUN
gp-160	90	35	"	"	PUNCT
gp-160	90	36	when	when	SCONJ
gp-160	90	37	i	i	PRON
gp-160	90	38	want	want	VERB
gp-160	90	39	to	to	PART
gp-160	90	40	buy	buy	VERB
gp-160	90	41	something	something	PRON
gp-160	90	42	i	i	PRON
gp-160	90	43	take	take	VERB
gp-160	90	44	it	it	PRON
gp-160	90	45	into	into	ADP
gp-160	90	46	consideration	consideration	NOUN
gp-160	90	47	bagus	bagus	PROPN
gp-160	90	48	suherman	suherman	PROPN
gp-160	90	49	,	,	PUNCT
gp-160	90	50	m.	m.	PROPN
gp-160	90	51	jamal	jamal	PROPN
gp-160	90	52	abdul	abdul	PROPN
gp-160	90	53	nasir	nasir	PROPN
gp-160	90	54	,	,	PUNCT
gp-160	90	55	bagus	bagus	PROPN
gp-160	90	56	ibnu	ibnu	PROPN
gp-160	90	57	utama	utama	PROPN
gp-160	90	58	47	47	NUM
gp-160	90	59	and	and	CCONJ
gp-160	90	60	do	do	AUX
gp-160	90	61	n't	not	PART
gp-160	90	62	rush	rush	VERB
gp-160	90	63	.	.	PUNCT
gp-160	90	64	"	"	PUNCT
gp-160	91	1	and	and	CCONJ
gp-160	91	2	with	with	ADP
gp-160	91	3	the	the	DET
gp-160	91	4	most	most	ADV
gp-160	91	5	affirmative	affirmative	ADJ
gp-160	91	6	answers	answer	NOUN
gp-160	91	7	to	to	ADP
gp-160	91	8	the	the	DET
gp-160	91	9	statement	statement	NOUN
gp-160	91	10	"	"	PUNCT
gp-160	91	11	i	i	PRON
gp-160	91	12	save	save	VERB
gp-160	91	13	regularly	regularly	ADV
gp-160	91	14	every	every	DET
gp-160	91	15	month	month	NOUN
gp-160	91	16	.	.	PUNCT
gp-160	91	17	"	"	PUNCT
gp-160	92	1	this	this	DET
gp-160	92	2	answer	answer	NOUN
gp-160	92	3	shows	show	VERB
gp-160	92	4	that	that	SCONJ
gp-160	92	5	the	the	DET
gp-160	92	6	students	student	NOUN
gp-160	92	7	of	of	ADP
gp-160	92	8	the	the	DET
gp-160	92	9	faculty	faculty	NOUN
gp-160	92	10	of	of	ADP
gp-160	92	11	economics	economics	NOUN
gp-160	92	12	class	class	NOUN
gp-160	92	13	of	of	ADP
gp-160	92	14	2020	2020	NUM
gp-160	92	15	at	at	ADP
gp-160	92	16	gunadarma	gunadarma	NOUN
gp-160	92	17	university	university	NOUN
gp-160	92	18	have	have	VERB
gp-160	92	19	a	a	DET
gp-160	92	20	responsibility	responsibility	NOUN
gp-160	92	21	to	to	PART
gp-160	92	22	be	be	AUX
gp-160	92	23	able	able	ADJ
gp-160	92	24	to	to	PART
gp-160	92	25	manage	manage	VERB
gp-160	92	26	money	money	NOUN
gp-160	92	27	productively	productively	ADV
gp-160	92	28	and	and	CCONJ
gp-160	92	29	to	to	PART
gp-160	92	30	be	be	AUX
gp-160	92	31	able	able	ADJ
gp-160	92	32	to	to	PART
gp-160	92	33	control	control	VERB
gp-160	92	34	the	the	DET
gp-160	92	35	needs	need	NOUN
gp-160	92	36	and	and	CCONJ
gp-160	92	37	high	high	ADJ
gp-160	92	38	desires	desire	NOUN
gp-160	92	39	of	of	ADP
gp-160	92	40	individual	individual	ADJ
gp-160	92	41	students	student	NOUN
gp-160	92	42	.	.	PUNCT
gp-160	93	1	the	the	DET
gp-160	93	2	influence	influence	NOUN
gp-160	93	3	of	of	ADP
gp-160	93	4	fintech	fintech	NOUN
gp-160	93	5	(	(	PUNCT
gp-160	93	6	pay	pay	VERB
gp-160	93	7	later	later	ADV
gp-160	93	8	)	)	PUNCT
gp-160	93	9	and	and	CCONJ
gp-160	93	10	hedonism	hedonism	NOUN
gp-160	93	11	on	on	ADP
gp-160	93	12	student	student	NOUN
gp-160	93	13	financial	financial	ADJ
gp-160	93	14	management	management	NOUN
gp-160	93	15	the	the	DET
gp-160	93	16	results	result	NOUN
gp-160	93	17	of	of	ADP
gp-160	93	18	the	the	DET
gp-160	93	19	f	f	PROPN
gp-160	93	20	test	test	NOUN
gp-160	93	21	show	show	VERB
gp-160	93	22	that	that	SCONJ
gp-160	93	23	fintech	fintech	NOUN
gp-160	93	24	(	(	PUNCT
gp-160	93	25	pay	pay	VERB
gp-160	93	26	later	later	ADV
gp-160	93	27	)	)	PUNCT
gp-160	93	28	and	and	CCONJ
gp-160	93	29	hedonism	hedonism	NOUN
gp-160	93	30	simultaneously	simultaneously	ADV
gp-160	93	31	have	have	VERB
gp-160	93	32	a	a	DET
gp-160	93	33	positive	positive	ADJ
gp-160	93	34	and	and	CCONJ
gp-160	93	35	significant	significant	ADJ
gp-160	93	36	effect	effect	NOUN
gp-160	93	37	on	on	ADP
gp-160	93	38	students	student	NOUN
gp-160	93	39	'	'	PART
gp-160	93	40	personal	personal	ADJ
gp-160	93	41	financial	financial	ADJ
gp-160	93	42	management	management	NOUN
gp-160	93	43	,	,	PUNCT
gp-160	93	44	meaning	mean	VERB
gp-160	93	45	that	that	SCONJ
gp-160	93	46	fintech	fintech	NOUN
gp-160	93	47	(	(	PUNCT
gp-160	93	48	pay	pay	VERB
gp-160	93	49	later	later	ADV
gp-160	93	50	)	)	PUNCT
gp-160	93	51	and	and	CCONJ
gp-160	93	52	lifestyle	lifestyle	NOUN
gp-160	93	53	have	have	VERB
gp-160	93	54	a	a	DET
gp-160	93	55	positive	positive	ADJ
gp-160	93	56	impact	impact	NOUN
gp-160	93	57	on	on	ADP
gp-160	93	58	managing	manage	VERB
gp-160	93	59	students	student	NOUN
gp-160	93	60	'	'	PART
gp-160	93	61	finances	finance	NOUN
gp-160	93	62	.	.	PUNCT
gp-160	94	1	this	this	PRON
gp-160	94	2	is	be	AUX
gp-160	94	3	inversely	inversely	ADV
gp-160	94	4	proportional	proportional	ADJ
gp-160	94	5	to	to	ADP
gp-160	94	6	the	the	DET
gp-160	94	7	results	result	NOUN
gp-160	94	8	of	of	ADP
gp-160	94	9	research	research	NOUN
gp-160	94	10	(	(	PUNCT
gp-160	94	11	fitriyani	fitriyani	X
gp-160	94	12	et	et	PROPN
gp-160	94	13	al	al	PROPN
gp-160	94	14	.	.	PROPN
gp-160	94	15	,	,	PUNCT
gp-160	94	16	2023	2023	NUM
gp-160	94	17	)	)	PUNCT
gp-160	94	18	which	which	PRON
gp-160	94	19	states	state	VERB
gp-160	94	20	that	that	SCONJ
gp-160	94	21	the	the	DET
gp-160	94	22	results	result	NOUN
gp-160	94	23	of	of	ADP
gp-160	94	24	this	this	DET
gp-160	94	25	research	research	NOUN
gp-160	94	26	show	show	NOUN
gp-160	94	27	that	that	SCONJ
gp-160	94	28	partially	partially	ADV
gp-160	94	29	lifestyle	lifestyle	NOUN
gp-160	94	30	has	have	VERB
gp-160	94	31	a	a	DET
gp-160	94	32	positive	positive	ADJ
gp-160	94	33	and	and	CCONJ
gp-160	94	34	significant	significant	ADJ
gp-160	94	35	influence	influence	NOUN
gp-160	94	36	on	on	ADP
gp-160	94	37	consumer	consumer	NOUN
gp-160	94	38	behaviour	behaviour	NOUN
gp-160	94	39	and	and	CCONJ
gp-160	94	40	lifestyle	lifestyle	NOUN
gp-160	94	41	has	have	VERB
gp-160	94	42	a	a	DET
gp-160	94	43	negative	negative	ADJ
gp-160	94	44	and	and	CCONJ
gp-160	94	45	significant	significant	ADJ
gp-160	94	46	influence	influence	NOUN
gp-160	94	47	on	on	ADP
gp-160	94	48	financial	financial	ADJ
gp-160	94	49	literacy	literacy	NOUN
gp-160	94	50	,	,	PUNCT
gp-160	94	51	while	while	SCONJ
gp-160	94	52	financial	financial	ADJ
gp-160	94	53	literacy	literacy	NOUN
gp-160	94	54	has	have	VERB
gp-160	94	55	no	no	DET
gp-160	94	56	influence	influence	NOUN
gp-160	94	57	on	on	ADP
gp-160	94	58	consumptive	consumptive	ADJ
gp-160	94	59	behaviour	behaviour	NOUN
gp-160	94	60	,	,	PUNCT
gp-160	94	61	financial	financial	ADJ
gp-160	94	62	literacy	literacy	NOUN
gp-160	94	63	has	have	VERB
gp-160	94	64	an	an	DET
gp-160	94	65	influence	influence	NOUN
gp-160	94	66	in	in	ADP
gp-160	94	67	mediating	mediate	VERB
gp-160	94	68	the	the	DET
gp-160	94	69	relationship	relationship	NOUN
gp-160	94	70	between	between	ADP
gp-160	94	71	lifestyle	lifestyle	NOUN
gp-160	94	72	and	and	CCONJ
gp-160	94	73	consumptive	consumptive	ADJ
gp-160	94	74	behaviour	behaviour	NOUN
gp-160	94	75	.	.	PUNCT
gp-160	95	1	conclusion	conclusion	NOUN
gp-160	95	2	this	this	DET
gp-160	95	3	research	research	NOUN
gp-160	95	4	explores	explore	VERB
gp-160	95	5	user	user	NOUN
gp-160	95	6	decisions	decision	NOUN
gp-160	95	7	in	in	ADP
gp-160	95	8	utilizing	utilize	VERB
gp-160	95	9	pay	pay	NOUN
gp-160	95	10	later	late	ADJ
gp-160	95	11	services	service	NOUN
gp-160	95	12	,	,	PUNCT
gp-160	95	13	focusing	focus	VERB
gp-160	95	14	on	on	ADP
gp-160	95	15	factors	factor	NOUN
gp-160	95	16	such	such	ADJ
gp-160	95	17	as	as	ADP
gp-160	95	18	lifestyle	lifestyle	NOUN
gp-160	95	19	,	,	PUNCT
gp-160	95	20	risk	risk	NOUN
gp-160	95	21	,	,	PUNCT
gp-160	95	22	and	and	CCONJ
gp-160	95	23	personal	personal	ADJ
gp-160	95	24	financial	financial	ADJ
gp-160	95	25	management	management	NOUN
gp-160	95	26	.	.	PUNCT
gp-160	96	1	the	the	DET
gp-160	96	2	study	study	NOUN
gp-160	96	3	aims	aim	VERB
gp-160	96	4	to	to	PART
gp-160	96	5	examine	examine	VERB
gp-160	96	6	the	the	DET
gp-160	96	7	relationships	relationship	NOUN
gp-160	96	8	among	among	ADP
gp-160	96	9	consumer	consumer	NOUN
gp-160	96	10	behavior	behavior	NOUN
gp-160	96	11	,	,	PUNCT
gp-160	96	12	ease	ease	NOUN
gp-160	96	13	of	of	ADP
gp-160	96	14	payment	payment	NOUN
gp-160	96	15	,	,	PUNCT
gp-160	96	16	risk	risk	NOUN
gp-160	96	17	,	,	PUNCT
gp-160	96	18	lifestyle	lifestyle	NOUN
gp-160	96	19	,	,	PUNCT
gp-160	96	20	and	and	CCONJ
gp-160	96	21	financial	financial	ADJ
gp-160	96	22	management	management	NOUN
gp-160	96	23	.	.	PUNCT
gp-160	97	1	the	the	DET
gp-160	97	2	findings	finding	NOUN
gp-160	97	3	indicate	indicate	VERB
gp-160	97	4	that	that	SCONJ
gp-160	97	5	the	the	DET
gp-160	97	6	ease	ease	NOUN
gp-160	97	7	of	of	ADP
gp-160	97	8	using	use	VERB
gp-160	97	9	pay	pay	NOUN
gp-160	97	10	later	late	ADJ
gp-160	97	11	services	service	NOUN
gp-160	97	12	and	and	CCONJ
gp-160	97	13	lifestyle	lifestyle	NOUN
gp-160	97	14	significantly	significantly	ADV
gp-160	97	15	and	and	CCONJ
gp-160	97	16	positively	positively	ADV
gp-160	97	17	influence	influence	VERB
gp-160	97	18	financial	financial	ADJ
gp-160	97	19	behavior	behavior	NOUN
gp-160	97	20	,	,	PUNCT
gp-160	97	21	which	which	PRON
gp-160	97	22	,	,	PUNCT
gp-160	97	23	in	in	ADP
gp-160	97	24	turn	turn	NOUN
gp-160	97	25	,	,	PUNCT
gp-160	97	26	has	have	VERB
gp-160	97	27	a	a	DET
gp-160	97	28	substantial	substantial	ADJ
gp-160	97	29	and	and	CCONJ
gp-160	97	30	meaningful	meaningful	ADJ
gp-160	97	31	impact	impact	NOUN
gp-160	97	32	on	on	ADP
gp-160	97	33	students	student	NOUN
gp-160	97	34	'	'	PART
gp-160	97	35	financial	financial	ADJ
gp-160	97	36	management	management	NOUN
gp-160	97	37	.	.	PUNCT
gp-160	98	1	notably	notably	ADV
gp-160	98	2	,	,	PUNCT
gp-160	98	3	this	this	DET
gp-160	98	4	study	study	NOUN
gp-160	98	5	highlights	highlight	NOUN
gp-160	98	6	that	that	PRON
gp-160	98	7	fintech	fintech	NOUN
gp-160	98	8	plays	play	VERB
gp-160	98	9	a	a	DET
gp-160	98	10	pivotal	pivotal	ADJ
gp-160	98	11	role	role	NOUN
gp-160	98	12	in	in	ADP
gp-160	98	13	shaping	shape	VERB
gp-160	98	14	consumer	consumer	NOUN
gp-160	98	15	behavior	behavior	NOUN
gp-160	98	16	,	,	PUNCT
gp-160	98	17	which	which	PRON
gp-160	98	18	significantly	significantly	ADV
gp-160	98	19	affects	affect	VERB
gp-160	98	20	financial	financial	ADJ
gp-160	98	21	management	management	NOUN
gp-160	98	22	practices	practice	NOUN
gp-160	98	23	.	.	PUNCT
gp-160	99	1	this	this	DET
gp-160	99	2	research	research	NOUN
gp-160	99	3	provides	provide	VERB
gp-160	99	4	critical	critical	ADJ
gp-160	99	5	theoretical	theoretical	ADJ
gp-160	99	6	and	and	CCONJ
gp-160	99	7	practical	practical	ADJ
gp-160	99	8	contributions	contribution	NOUN
gp-160	99	9	.	.	PUNCT
gp-160	100	1	from	from	ADP
gp-160	100	2	a	a	DET
gp-160	100	3	theoretical	theoretical	ADJ
gp-160	100	4	perspective	perspective	NOUN
gp-160	100	5	,	,	PUNCT
gp-160	100	6	it	it	PRON
gp-160	100	7	advances	advance	VERB
gp-160	100	8	understanding	understanding	NOUN
gp-160	100	9	in	in	ADP
gp-160	100	10	the	the	DET
gp-160	100	11	fields	field	NOUN
gp-160	100	12	of	of	ADP
gp-160	100	13	fintech	fintech	NOUN
gp-160	100	14	and	and	CCONJ
gp-160	100	15	personal	personal	ADJ
gp-160	100	16	financial	financial	ADJ
gp-160	100	17	management	management	NOUN
gp-160	100	18	,	,	PUNCT
gp-160	100	19	particularly	particularly	ADV
gp-160	100	20	regarding	regard	VERB
gp-160	100	21	the	the	DET
gp-160	100	22	interplay	interplay	NOUN
gp-160	100	23	between	between	ADP
gp-160	100	24	consumer	consumer	NOUN
gp-160	100	25	behavior	behavior	NOUN
gp-160	100	26	and	and	CCONJ
gp-160	100	27	digital	digital	ADJ
gp-160	100	28	payment	payment	NOUN
gp-160	100	29	systems	system	NOUN
gp-160	100	30	.	.	PUNCT
gp-160	101	1	practically	practically	ADV
gp-160	101	2	,	,	PUNCT
gp-160	101	3	the	the	DET
gp-160	101	4	findings	finding	NOUN
gp-160	101	5	offer	offer	VERB
gp-160	101	6	valuable	valuable	ADJ
gp-160	101	7	insights	insight	NOUN
gp-160	101	8	for	for	ADP
gp-160	101	9	policymakers	policymaker	NOUN
gp-160	101	10	,	,	PUNCT
gp-160	101	11	educational	educational	ADJ
gp-160	101	12	institutions	institution	NOUN
gp-160	101	13	,	,	PUNCT
gp-160	101	14	and	and	CCONJ
gp-160	101	15	fintech	fintech	NOUN
gp-160	101	16	companies	company	NOUN
gp-160	101	17	to	to	PART
gp-160	101	18	design	design	VERB
gp-160	101	19	strategies	strategy	NOUN
gp-160	101	20	that	that	PRON
gp-160	101	21	enhance	enhance	VERB
gp-160	101	22	financial	financial	ADJ
gp-160	101	23	literacy	literacy	NOUN
gp-160	101	24	among	among	ADP
gp-160	101	25	students	student	NOUN
gp-160	101	26	and	and	CCONJ
gp-160	101	27	encourage	encourage	VERB
gp-160	101	28	responsible	responsible	ADJ
gp-160	101	29	financial	financial	ADJ
gp-160	101	30	behavior	behavior	NOUN
gp-160	101	31	.	.	PUNCT
gp-160	102	1	specifically	specifically	ADV
gp-160	102	2	,	,	PUNCT
gp-160	102	3	students	student	NOUN
gp-160	102	4	should	should	AUX
gp-160	102	5	prioritize	prioritize	VERB
gp-160	102	6	financial	financial	ADJ
gp-160	102	7	literacy	literacy	NOUN
gp-160	102	8	related	relate	VERB
gp-160	102	9	to	to	PART
gp-160	102	10	pay	pay	VERB
gp-160	102	11	later	late	ADJ
gp-160	102	12	services	service	NOUN
gp-160	102	13	to	to	PART
gp-160	102	14	prevent	prevent	VERB
gp-160	102	15	financial	financial	ADJ
gp-160	102	16	losses	loss	NOUN
gp-160	102	17	and	and	CCONJ
gp-160	102	18	manage	manage	VERB
gp-160	102	19	debt	debt	NOUN
gp-160	102	20	effectively	effectively	ADV
gp-160	102	21	.	.	PUNCT
gp-160	103	1	additionally	additionally	ADV
gp-160	103	2	,	,	PUNCT
gp-160	103	3	students	student	NOUN
gp-160	103	4	are	be	AUX
gp-160	103	5	encouraged	encourage	VERB
gp-160	103	6	to	to	PART
gp-160	103	7	focus	focus	VERB
gp-160	103	8	on	on	ADP
gp-160	103	9	essential	essential	ADJ
gp-160	103	10	needs	need	NOUN
gp-160	103	11	over	over	ADP
gp-160	103	12	wants	want	VERB
gp-160	103	13	and	and	CCONJ
gp-160	103	14	cultivate	cultivate	VERB
gp-160	103	15	strong	strong	ADJ
gp-160	103	16	financial	financial	ADJ
gp-160	103	17	management	management	NOUN
gp-160	103	18	skills	skill	NOUN
gp-160	103	19	from	from	ADP
gp-160	103	20	an	an	DET
gp-160	103	21	early	early	ADJ
gp-160	103	22	age	age	NOUN
gp-160	103	23	.	.	PUNCT
gp-160	104	1	while	while	SCONJ
gp-160	104	2	this	this	DET
gp-160	104	3	research	research	NOUN
gp-160	104	4	provides	provide	VERB
gp-160	104	5	valuable	valuable	ADJ
gp-160	104	6	insights	insight	NOUN
gp-160	104	7	,	,	PUNCT
gp-160	104	8	there	there	PRON
gp-160	104	9	are	be	VERB
gp-160	104	10	limitations	limitation	NOUN
gp-160	104	11	that	that	PRON
gp-160	104	12	need	need	VERB
gp-160	104	13	to	to	PART
gp-160	104	14	be	be	AUX
gp-160	104	15	addressed	address	VERB
gp-160	104	16	.	.	PUNCT
gp-160	105	1	future	future	ADJ
gp-160	105	2	studies	study	NOUN
gp-160	105	3	are	be	AUX
gp-160	105	4	encouraged	encourage	VERB
gp-160	105	5	to	to	PART
gp-160	105	6	include	include	VERB
gp-160	105	7	additional	additional	ADJ
gp-160	105	8	variables	variable	NOUN
gp-160	105	9	beyond	beyond	ADP
gp-160	105	10	those	those	PRON
gp-160	105	11	investigated	investigate	VERB
gp-160	105	12	here	here	ADV
gp-160	105	13	,	,	PUNCT
gp-160	105	14	potentially	potentially	ADV
gp-160	105	15	uncovering	uncover	VERB
gp-160	105	16	more	more	ADV
gp-160	105	17	comprehensive	comprehensive	ADJ
gp-160	105	18	and	and	CCONJ
gp-160	105	19	innovative	innovative	ADJ
gp-160	105	20	findings	finding	NOUN
gp-160	105	21	in	in	ADP
gp-160	105	22	this	this	DET
gp-160	105	23	area	area	NOUN
gp-160	105	24	.	.	PUNCT
gp-160	106	1	american	american	ADJ
gp-160	106	2	journal	journal	PROPN
gp-160	106	3	of	of	ADP
gp-160	106	4	economic	economic	ADJ
gp-160	106	5	and	and	CCONJ
gp-160	106	6	management	management	NOUN
gp-160	106	7	business	business	NOUN
gp-160	106	8	vol	vol	NOUN
gp-160	106	9	.	.	PROPN
gp-160	107	1	4	4	NUM
gp-160	107	2	no	no	NOUN
gp-160	107	3	.	.	NOUN
gp-160	107	4	1	1	NUM
gp-160	107	5	january	january	NOUN
gp-160	107	6	2025	2025	NUM
gp-160	107	7	48	48	NUM
gp-160	107	8	bibliography	bibliography	NOUN
gp-160	107	9	apriani	apriani	NOUN
gp-160	107	10	,	,	PUNCT
gp-160	107	11	a.	a.	PROPN
gp-160	107	12	,	,	PUNCT
gp-160	107	13	zoraya	zoraya	PROPN
gp-160	107	14	,	,	PUNCT
gp-160	107	15	i.	i.	PROPN
gp-160	107	16	,	,	PUNCT
gp-160	107	17	&	&	CCONJ
gp-160	107	18	afandy	afandy	PROPN
gp-160	107	19	,	,	PUNCT
gp-160	107	20	c.	c.	NOUN
gp-160	107	21	(	(	PUNCT
gp-160	107	22	2023	2023	NUM
gp-160	107	23	)	)	PUNCT
gp-160	107	24	.	.	PUNCT
gp-160	108	1	the	the	DET
gp-160	108	2	effect	effect	NOUN
gp-160	108	3	of	of	ADP
gp-160	108	4	fintech	fintech	NOUN
gp-160	108	5	payment	payment	NOUN
gp-160	108	6	,	,	PUNCT
gp-160	108	7	lifestyle	lifestyle	NOUN
gp-160	108	8	,	,	PUNCT
gp-160	108	9	and	and	CCONJ
gp-160	108	10	financial	financial	ADJ
gp-160	108	11	knowledge	knowledge	NOUN
gp-160	108	12	of	of	ADP
gp-160	108	13	financial	financial	ADJ
gp-160	108	14	management	management	NOUN
gp-160	108	15	behavior	behavior	NOUN
gp-160	108	16	on	on	ADP
gp-160	108	17	students	student	NOUN
gp-160	108	18	of	of	ADP
gp-160	108	19	the	the	DET
gp-160	108	20	university	university	NOUN
gp-160	108	21	of	of	ADP
gp-160	108	22	bengkulu	bengkulu	PROPN
gp-160	108	23	(	(	PUNCT
gp-160	108	24	pp	pp	ADJ
gp-160	108	25	.	.	PUNCT
gp-160	109	1	4–13	4–13	PROPN
gp-160	109	2	)	)	PUNCT
gp-160	109	3	.	.	PUNCT
gp-160	110	1	https://doi.org/10.2991/978-94-6463-328-3_2	https://doi.org/10.2991/978-94-6463-328-3_2	PROPN
gp-160	110	2	azhima	azhima	PROPN
gp-160	110	3	,	,	PUNCT
gp-160	110	4	z.	z.	PROPN
gp-160	110	5	a.	a.	PROPN
gp-160	110	6	,	,	PUNCT
gp-160	110	7	&	&	CCONJ
gp-160	110	8	pinem	pinem	PROPN
gp-160	110	9	,	,	PUNCT
gp-160	110	10	d.	d.	PROPN
gp-160	110	11	(	(	PUNCT
gp-160	110	12	2024	2024	NUM
gp-160	110	13	)	)	PUNCT
gp-160	110	14	.	.	PUNCT
gp-160	111	1	analysis	analysis	NOUN
gp-160	111	2	of	of	ADP
gp-160	111	3	financial	financial	ADJ
gp-160	111	4	literacy	literacy	NOUN
gp-160	111	5	,	,	PUNCT
gp-160	111	6	financial	financial	ADJ
gp-160	111	7	technology	technology	NOUN
gp-160	111	8	,	,	PUNCT
gp-160	111	9	and	and	CCONJ
gp-160	111	10	lifestyle	lifestyle	NOUN
gp-160	111	11	on	on	ADP
gp-160	111	12	financial	financial	ADJ
gp-160	111	13	behavior	behavior	NOUN
gp-160	111	14	of	of	ADP
gp-160	111	15	generation	generation	NOUN
gp-160	111	16	z	z	PROPN
gp-160	111	17	in	in	ADP
gp-160	111	18	pulo	pulo	PROPN
gp-160	111	19	village	village	NOUN
gp-160	111	20	.	.	PUNCT
gp-160	112	1	formosa	formosa	PROPN
gp-160	112	2	journal	journal	PROPN
gp-160	112	3	of	of	ADP
gp-160	112	4	sustainable	sustainable	ADJ
gp-160	112	5	research	research	NOUN
gp-160	112	6	,	,	PUNCT
gp-160	112	7	3(1	3(1	NUM
gp-160	112	8	)	)	PUNCT
gp-160	112	9	,	,	PUNCT
gp-160	112	10	79–98	79–98	PROPN
gp-160	112	11	.	.	PUNCT
gp-160	113	1	https://doi.org/10.55927/fjsr.v3i1.7729	https://doi.org/10.55927/fjsr.v3i1.7729	PROPN
gp-160	113	2	bowo	bowo	PROPN
gp-160	113	3	,	,	PUNCT
gp-160	113	4	a.	a.	PROPN
gp-160	113	5	n.	n.	PROPN
gp-160	113	6	a.	a.	PROPN
gp-160	113	7	,	,	PUNCT
gp-160	113	8	paryanto	paryanto	ADP
gp-160	113	9	,	,	PUNCT
gp-160	113	10	p.	p.	NOUN
gp-160	113	11	,	,	PUNCT
gp-160	113	12	&	&	CCONJ
gp-160	113	13	iqbal	iqbal	PROPN
gp-160	113	14	,	,	PUNCT
gp-160	113	15	m.	m.	NOUN
gp-160	113	16	(	(	PUNCT
gp-160	113	17	2023	2023	NUM
gp-160	113	18	)	)	PUNCT
gp-160	113	19	.	.	PUNCT
gp-160	114	1	pengaruh	pengaruh	NOUN
gp-160	114	2	media	media	PROPN
gp-160	114	3	sosial	sosial	PROPN
gp-160	114	4	instagram	instagram	PROPN
gp-160	114	5	terhadap	terhadap	PROPN
gp-160	114	6	gaya	gaya	PROPN
gp-160	114	7	hidup	hidup	PROPN
gp-160	114	8	mahasiswa	mahasiswa	PROPN
gp-160	114	9	.	.	PROPN
gp-160	115	1	jurnal	jurnal	PROPN
gp-160	115	2	ilmu	ilmu	PROPN
gp-160	115	3	manajemen	manajeman	NOUN
gp-160	115	4	dan	dan	PROPN
gp-160	115	5	pendidikan	pendidikan	PROPN
gp-160	115	6	(	(	PUNCT
gp-160	115	7	jimpian	jimpian	PROPN
gp-160	115	8	)	)	PUNCT
gp-160	115	9	,	,	PUNCT
gp-160	115	10	3(1	3(1	NUM
gp-160	115	11	)	)	PUNCT
gp-160	115	12	,	,	PUNCT
gp-160	115	13	21–32	21–32	NUM
gp-160	115	14	.	.	PUNCT
gp-160	116	1	https://doi.org/10.30872/jimpian.v3i1.2249	https://doi.org/10.30872/jimpian.v3i1.2249	PROPN
gp-160	116	2	cohen	cohen	PROPN
gp-160	116	3	,	,	PUNCT
gp-160	116	4	m.	m.	NOUN
gp-160	116	5	,	,	PUNCT
gp-160	116	6	brown	brown	PROPN
gp-160	116	7	,	,	PUNCT
gp-160	116	8	h.	h.	PROPN
gp-160	116	9	s.	s.	PROPN
gp-160	116	10	,	,	PUNCT
gp-160	116	11	&	&	CCONJ
gp-160	116	12	vergragt	vergragt	PROPN
gp-160	116	13	,	,	PUNCT
gp-160	116	14	p.	p.	NOUN
gp-160	116	15	j.	j.	PROPN
gp-160	116	16	(	(	PUNCT
gp-160	116	17	2017	2017	NUM
gp-160	116	18	)	)	PUNCT
gp-160	116	19	.	.	PUNCT
gp-160	117	1	social	social	ADJ
gp-160	117	2	change	change	NOUN
gp-160	117	3	and	and	CCONJ
gp-160	117	4	the	the	DET
gp-160	117	5	coming	coming	NOUN
gp-160	117	6	of	of	ADP
gp-160	117	7	post	post	ADJ
gp-160	117	8	-	-	ADJ
gp-160	117	9	consumer	consumer	ADJ
gp-160	117	10	society	society	NOUN
gp-160	117	11	.	.	PUNCT
gp-160	118	1	in	in	ADP
gp-160	118	2	theoretical	theoretical	ADJ
gp-160	118	3	advances	advance	NOUN
gp-160	118	4	and	and	CCONJ
gp-160	118	5	policy	policy	NOUN
gp-160	118	6	implications	implication	NOUN
gp-160	118	7	.	.	PUNCT
gp-160	119	1	routledge	routledge	PROPN
gp-160	119	2	.	.	PUNCT
gp-160	120	1	firlianti	firlianti	PROPN
gp-160	120	2	,	,	PUNCT
gp-160	120	3	akib	akib	NOUN
gp-160	120	4	,	,	PUNCT
gp-160	120	5	r.	r.	PROPN
gp-160	120	6	,	,	PUNCT
gp-160	120	7	ariska	ariska	ADJ
gp-160	120	8	,	,	PUNCT
gp-160	120	9	s.	s.	PROPN
gp-160	120	10	n.	n.	PROPN
gp-160	120	11	,	,	PUNCT
gp-160	120	12	&	&	CCONJ
gp-160	120	13	jasman	jasman	PROPN
gp-160	120	14	,	,	PUNCT
gp-160	120	15	j.	j.	PROPN
gp-160	120	16	(	(	PUNCT
gp-160	120	17	2023	2023	NUM
gp-160	120	18	)	)	PUNCT
gp-160	120	19	.	.	PUNCT
gp-160	121	1	literasi	literasi	PROPN
gp-160	121	2	keuangan	keuangan	PROPN
gp-160	121	3	dan	dan	PROPN
gp-160	121	4	perilaku	perilaku	PROPN
gp-160	121	5	keuangan	keuangan	VERB
gp-160	121	6	syariah	syariah	PROPN
gp-160	121	7	mahasiswa	mahasiswa	PROPN
gp-160	121	8	um.palopo	um.palopo	PROPN
gp-160	121	9	:	:	PUNCT
gp-160	121	10	mediasi	mediasi	PROPN
gp-160	121	11	financial	financial	PROPN
gp-160	121	12	technologi	technologi	PROPN
gp-160	121	13	dan	dan	PROPN
gp-160	121	14	personal	personal	PROPN
gp-160	121	15	finance	finance	PROPN
gp-160	121	16	.	.	PUNCT
gp-160	122	1	jmbi	jmbi	PROPN
gp-160	122	2	unsrat	unsrat	NOUN
gp-160	122	3	(	(	PUNCT
gp-160	122	4	jurnal	jurnal	ADJ
gp-160	122	5	ilmiah	ilmiah	NOUN
gp-160	122	6	manajemen	manajeman	NOUN
gp-160	122	7	bisnis	bisnis	PROPN
gp-160	122	8	dan	dan	PROPN
gp-160	122	9	inovasi	inovasi	PROPN
gp-160	122	10	universitas	universitas	PROPN
gp-160	122	11	sam	sam	PROPN
gp-160	122	12	ratulangi	ratulangi	PROPN
gp-160	122	13	)	)	PUNCT
gp-160	122	14	.	.	PUNCT
gp-160	122	15	,	,	PUNCT
gp-160	122	16	10(2	10(2	NUM
gp-160	122	17	)	)	PUNCT
gp-160	122	18	,	,	PUNCT
gp-160	122	19	944–962	944–962	NUM
gp-160	122	20	.	.	X
gp-160	123	1	https://doi.org/10.35794/jmbi.v10i2.46353	https://doi.org/10.35794/jmbi.v10i2.46353	X
gp-160	123	2	fitriyani	fitriyani	PROPN
gp-160	123	3	,	,	PUNCT
gp-160	123	4	i.	i.	PROPN
gp-160	123	5	,	,	PUNCT
gp-160	123	6	elly	elly	ADV
gp-160	123	7	karmeli	karmeli	VERB
gp-160	123	8	,	,	PUNCT
gp-160	123	9	usman	usman	PROPN
gp-160	123	10	,	,	PUNCT
gp-160	123	11	&	&	CCONJ
gp-160	123	12	kamaruddin	kamaruddin	PROPN
gp-160	123	13	.	.	PUNCT
gp-160	124	1	(	(	PUNCT
gp-160	124	2	2023	2023	NUM
gp-160	124	3	)	)	PUNCT
gp-160	124	4	.	.	PUNCT
gp-160	125	1	analisis	analisis	ADJ
gp-160	125	2	pengaruh	pengaruh	NOUN
gp-160	125	3	gaya	gaya	PROPN
gp-160	125	4	hidup	hidup	PROPN
gp-160	125	5	terhadap	terhadap	PROPN
gp-160	125	6	perilaku	perilaku	PROPN
gp-160	125	7	konsumtif	konsumtif	PROPN
gp-160	125	8	dengan	dengan	PROPN
gp-160	125	9	literasi	literasi	PROPN
gp-160	125	10	keuangan	keuangan	PROPN
gp-160	125	11	sebagai	sebagai	PROPN
gp-160	125	12	variabel	variabel	PROPN
gp-160	125	13	intervening	intervene	VERB
gp-160	125	14	.	.	PUNCT
gp-160	126	1	jurnal	jurnal	PROPN
gp-160	126	2	tambora	tambora	PROPN
gp-160	126	3	,	,	PUNCT
gp-160	126	4	7(3	7(3	NUM
gp-160	126	5	)	)	PUNCT
gp-160	126	6	,	,	PUNCT
gp-160	126	7	73–79	73–79	NOUN
gp-160	126	8	.	.	PUNCT
gp-160	127	1	https://doi.org/10.36761/tambora.v7i3.3444	https://doi.org/10.36761/tambora.v7i3.3444	PROPN
gp-160	127	2	hidayah	hidayah	NOUN
gp-160	127	3	,	,	PUNCT
gp-160	127	4	n.	n.	NOUN
gp-160	127	5	,	,	PUNCT
gp-160	127	6	&	&	CCONJ
gp-160	127	7	novianti	novianti	PROPN
gp-160	127	8	,	,	PUNCT
gp-160	127	9	n.	n.	PROPN
gp-160	127	10	c.	c.	PROPN
gp-160	127	11	(	(	PUNCT
gp-160	127	12	2023	2023	NUM
gp-160	127	13	)	)	PUNCT
gp-160	127	14	.	.	PUNCT
gp-160	128	1	pengaruh	pengaruh	NOUN
gp-160	128	2	literasi	literasi	PROPN
gp-160	128	3	keuangan	keuangan	NOUN
gp-160	128	4	,	,	PUNCT
gp-160	128	5	gaya	gaya	PROPN
gp-160	128	6	hidup	hidup	PROPN
gp-160	128	7	hedonisme	hedonisme	PROPN
gp-160	128	8	dan	dan	PROPN
gp-160	128	9	uang	uang	PROPN
gp-160	128	10	saku	saku	PROPN
gp-160	128	11	terhadap	terhadap	PROPN
gp-160	128	12	perilaku	perilaku	PROPN
gp-160	128	13	pengelolaan	pengelolaan	PROPN
gp-160	128	14	keuangan	keuangan	PROPN
gp-160	128	15	.	.	PUNCT
gp-160	129	1	jurnal	jurnal	ADJ
gp-160	129	2	ilmiah	ilmiah	PROPN
gp-160	129	3	ekonomi	ekonomi	PROPN
gp-160	129	4	bisnis	bisnis	PROPN
gp-160	129	5	,	,	PUNCT
gp-160	129	6	28(3	28(3	NUM
gp-160	129	7	)	)	PUNCT
gp-160	129	8	,	,	PUNCT
gp-160	129	9	361–372	361–372	NUM
gp-160	129	10	.	.	PUNCT
gp-160	130	1	https://doi.org/10.35760/eb.2023.v28i3.7963	https://doi.org/10.35760/eb.2023.v28i3.7963	PROPN
gp-160	130	2	kenale	kenale	PROPN
gp-160	130	3	sada	sada	PROPN
gp-160	130	4	,	,	PUNCT
gp-160	130	5	y.	y.	PROPN
gp-160	130	6	m.	m.	PROPN
gp-160	131	1	v.	v.	PROPN
gp-160	131	2	(	(	PUNCT
gp-160	131	3	2022	2022	NUM
gp-160	131	4	)	)	PUNCT
gp-160	131	5	.	.	PUNCT
gp-160	132	1	pengaruh	pengaruh	NOUN
gp-160	132	2	literasi	literasi	PROPN
gp-160	132	3	keuangan	keuangan	NOUN
gp-160	132	4	,	,	PUNCT
gp-160	132	5	gaya	gaya	PROPN
gp-160	132	6	hidup	hidup	PROPN
gp-160	132	7	dan	dan	PROPN
gp-160	132	8	lingkungan	lingkungan	VERB
gp-160	132	9	sosial	sosial	PROPN
gp-160	132	10	terhadap	terhadap	PROPN
gp-160	132	11	perilaku	perilaku	PROPN
gp-160	132	12	keuangan	keuangan	PROPN
gp-160	132	13	mahasiswa	mahasiswa	PROPN
gp-160	132	14	.	.	PROPN
gp-160	133	1	jurnal	jurnal	PROPN
gp-160	133	2	literasi	literasi	PROPN
gp-160	133	3	akuntansi	akuntansi	PROPN
gp-160	133	4	,	,	PUNCT
gp-160	133	5	2(2	2(2	NUM
gp-160	133	6	)	)	PUNCT
gp-160	133	7	,	,	PUNCT
gp-160	133	8	86–99	86–99	NUM
gp-160	133	9	.	.	PUNCT
gp-160	134	1	https://doi.org/10.55587/jla.v2i2.35	https://doi.org/10.55587/jla.v2i2.35	PROPN
gp-160	134	2	kumar	kumar	PROPN
gp-160	134	3	,	,	PUNCT
gp-160	134	4	a.	a.	PROPN
gp-160	134	5	,	,	PUNCT
gp-160	134	6	salo	salo	PROPN
gp-160	134	7	,	,	PUNCT
gp-160	134	8	j.	j.	PROPN
gp-160	134	9	,	,	PUNCT
gp-160	134	10	&	&	CCONJ
gp-160	134	11	bezawada	bezawada	PROPN
gp-160	134	12	,	,	PUNCT
gp-160	134	13	r.	r.	PROPN
gp-160	134	14	(	(	PUNCT
gp-160	134	15	2024	2024	NUM
gp-160	134	16	)	)	PUNCT
gp-160	134	17	.	.	PUNCT
gp-160	135	1	the	the	DET
gp-160	135	2	effects	effect	NOUN
gp-160	135	3	of	of	ADP
gp-160	135	4	buy	buy	NOUN
gp-160	135	5	now	now	ADV
gp-160	135	6	,	,	PUNCT
gp-160	135	7	pay	pay	VERB
gp-160	135	8	later	later	ADV
gp-160	135	9	(	(	PUNCT
gp-160	135	10	bnpl	bnpl	NOUN
gp-160	135	11	)	)	PUNCT
gp-160	135	12	on	on	ADP
gp-160	135	13	customers	customer	NOUN
gp-160	135	14	’	'	PUNCT
gp-160	135	15	online	online	ADJ
gp-160	135	16	purchase	purchase	NOUN
gp-160	135	17	behavior	behavior	NOUN
gp-160	135	18	.	.	PUNCT
gp-160	136	1	journal	journal	PROPN
gp-160	136	2	of	of	ADP
gp-160	136	3	retailing	retailing	NOUN
gp-160	136	4	,	,	PUNCT
gp-160	136	5	100(4	100(4	NUM
gp-160	136	6	)	)	PUNCT
gp-160	136	7	,	,	PUNCT
gp-160	136	8	602–617	602–617	NUM
gp-160	136	9	.	.	PUNCT
gp-160	137	1	https://doi.org/10.1016/j.jretai.2024.09.004	https://doi.org/10.1016/j.jretai.2024.09.004	ADJ
gp-160	137	2	neni	neni	ADJ
gp-160	137	3	nurlelasari	nurlelasari	NOUN
gp-160	137	4	.	.	PUNCT
gp-160	138	1	(	(	PUNCT
gp-160	138	2	2022	2022	NUM
gp-160	138	3	)	)	PUNCT
gp-160	138	4	.	.	PUNCT
gp-160	139	1	pengaruh	pengaruh	NOUN
gp-160	140	1	gaya	gaya	PROPN
gp-160	140	2	hidup	hidup	PROPN
gp-160	140	3	hedon	hedon	PROPN
gp-160	140	4	dan	dan	PROPN
gp-160	140	5	tingkat	tingkat	PROPN
gp-160	140	6	pendapatan	pendapatan	PROPN
gp-160	140	7	terhadap	terhadap	PROPN
gp-160	140	8	perilaku	perilaku	PROPN
gp-160	140	9	manajemen	manajeman	NOUN
gp-160	140	10	keuangan	keuangan	VERB
gp-160	140	11	pada	pada	PROPN
gp-160	140	12	generasi	generasi	PROPN
gp-160	140	13	millenial	millenial	NOUN
gp-160	140	14	.	.	PUNCT
gp-160	141	1	jurnal	jurnal	ADJ
gp-160	141	2	riset	riset	PROPN
gp-160	141	3	manajemen	manajeman	NOUN
gp-160	141	4	dan	dan	PROPN
gp-160	141	5	bisnis	bisnis	PROPN
gp-160	141	6	,	,	PUNCT
gp-160	141	7	21–25	21–25	NUM
gp-160	141	8	.	.	PUNCT
gp-160	141	9	https://doi.org/10.29313/jrmb.v2i1.862	https://doi.org/10.29313/jrmb.v2i1.862	NOUN
gp-160	141	10	pengaruh	pengaruh	NOUN
gp-160	141	11	kemudahan	kemudahan	PROPN
gp-160	141	12	,	,	PUNCT
gp-160	141	13	risiko	risiko	PROPN
gp-160	141	14	,	,	PUNCT
gp-160	141	15	gaya	gaya	PROPN
gp-160	141	16	hidup	hidup	PROPN
gp-160	141	17	,	,	PUNCT
gp-160	141	18	dan	dan	PROPN
gp-160	141	19	kepercayaan	kepercayaan	PROPN
gp-160	141	20	terhadap	terhadap	PROPN
gp-160	141	21	perilaku	perilaku	PROPN
gp-160	141	22	konsumtif	konsumtif	PROPN
gp-160	141	23	pengguna	pengguna	PROPN
gp-160	141	24	shopee	shopee	PROPN
gp-160	141	25	paylater	paylater	PROPN
gp-160	141	26	di	di	PROPN
gp-160	141	27	indonesia	indonesia	PROPN
gp-160	141	28	.	.	PUNCT
gp-160	142	1	(	(	PUNCT
gp-160	142	2	2023	2023	NUM
gp-160	142	3	)	)	PUNCT
gp-160	142	4	.	.	PUNCT
gp-160	143	1	jpek	jpek	NOUN
gp-160	143	2	(	(	PUNCT
gp-160	143	3	jurnal	jurnal	ADJ
gp-160	143	4	pendidikan	pendidikan	PROPN
gp-160	143	5	ekonomi	ekonomi	PROPN
gp-160	143	6	dan	dan	PROPN
gp-160	143	7	kewirausahaan	kewirausahaan	PROPN
gp-160	143	8	)	)	PUNCT
gp-160	143	9	,	,	PUNCT
gp-160	143	10	7(2	7(2	NUM
gp-160	143	11	)	)	PUNCT
gp-160	143	12	.	.	PUNCT
gp-160	144	1	https://doi.org/10.29408/jpek.v7i2.21450	https://doi.org/10.29408/jpek.v7i2.21450	PROPN
gp-160	144	2	putri	putri	NOUN
gp-160	144	3	,	,	PUNCT
gp-160	144	4	m.	m.	NOUN
gp-160	144	5	k.	k.	PROPN
gp-160	144	6	,	,	PUNCT
gp-160	144	7	&	&	CCONJ
gp-160	144	8	lasmanah	lasmanah	PROPN
gp-160	144	9	.	.	PUNCT
gp-160	144	10	(	(	PUNCT
gp-160	144	11	2022	2022	NUM
gp-160	144	12	)	)	PUNCT
gp-160	144	13	.	.	PUNCT
gp-160	145	1	pengaruh	pengaruh	NOUN
gp-160	145	2	literasi	literasi	NOUN
gp-160	145	3	keuangan	keuangan	PROPN
gp-160	145	4	dan	dan	PROPN
gp-160	145	5	gaya	gaya	PROPN
gp-160	145	6	hidup	hidup	PROPN
gp-160	145	7	terhadap	terhadap	PROPN
gp-160	145	8	perilaku	perilaku	PROPN
gp-160	145	9	konsumtif	konsumtif	PROPN
gp-160	145	10	pada	pada	PROPN
gp-160	145	11	mahasiswa	mahasiswa	PROPN
gp-160	145	12	manajemen	manajemen	PROPN
gp-160	145	13	universitas	universita	VERB
gp-160	145	14	islam	islam	PROPN
gp-160	145	15	bandung	bandung	PROPN
gp-160	145	16	.	.	PUNCT
gp-160	146	1	bandung	bandung	PROPN
gp-160	146	2	conference	conference	PROPN
gp-160	146	3	series	series	PROPN
gp-160	146	4	:	:	PUNCT
gp-160	146	5	business	business	NOUN
gp-160	146	6	and	and	CCONJ
gp-160	146	7	management	management	NOUN
gp-160	146	8	,	,	PUNCT
gp-160	146	9	2(2	2(2	NUM
gp-160	146	10	)	)	PUNCT
gp-160	146	11	.	.	PUNCT
gp-160	147	1	https://doi.org/10.29313/bcsbm.v2i2.3670	https://doi.org/10.29313/bcsbm.v2i2.3670	PROPN
gp-160	147	2	usman	usman	PROPN
gp-160	147	3	,	,	PUNCT
gp-160	147	4	n.	n.	PROPN
gp-160	147	5	,	,	PUNCT
gp-160	147	6	griffiths	griffiths	PROPN
gp-160	147	7	,	,	PUNCT
gp-160	147	8	m.	m.	NOUN
gp-160	147	9	,	,	PUNCT
gp-160	147	10	&	&	CCONJ
gp-160	147	11	alam	alam	PROPN
gp-160	147	12	,	,	PUNCT
gp-160	147	13	a.	a.	NOUN
gp-160	147	14	(	(	PUNCT
gp-160	147	15	2024	2024	NUM
gp-160	147	16	)	)	PUNCT
gp-160	147	17	.	.	PUNCT
gp-160	148	1	fintech	fintech	NOUN
gp-160	148	2	and	and	CCONJ
gp-160	148	3	money	money	NOUN
gp-160	148	4	laundering	laundering	NOUN
gp-160	148	5	:	:	PUNCT
gp-160	148	6	moderating	moderate	VERB
gp-160	148	7	effect	effect	NOUN
gp-160	148	8	of	of	ADP
gp-160	148	9	financial	financial	ADJ
gp-160	148	10	regulations	regulation	NOUN
gp-160	148	11	and	and	CCONJ
gp-160	148	12	financial	financial	ADJ
gp-160	148	13	literacy	literacy	NOUN
gp-160	148	14	.	.	PUNCT
gp-160	149	1	digital	digital	ADJ
gp-160	149	2	policy	policy	NOUN
gp-160	149	3	,	,	PUNCT
gp-160	149	4	regulation	regulation	NOUN
gp-160	149	5	and	and	CCONJ
gp-160	149	6	governance	governance	NOUN
gp-160	149	7	.	.	PUNCT
gp-160	150	1	bagus	bagus	PROPN
gp-160	150	2	suherman	suherman	PROPN
gp-160	150	3	,	,	PUNCT
gp-160	150	4	m.	m.	PROPN
gp-160	150	5	jamal	jamal	PROPN
gp-160	150	6	abdul	abdul	PROPN
gp-160	150	7	nasir	nasir	PROPN
gp-160	150	8	,	,	PUNCT
gp-160	150	9	bagus	bagus	PROPN
gp-160	150	10	ibnu	ibnu	PROPN
gp-160	150	11	utama	utama	PROPN
gp-160	150	12	49	49	NUM
gp-160	150	13	weinstein	weinstein	NOUN
gp-160	150	14	,	,	PUNCT
gp-160	150	15	a.	a.	NOUN
gp-160	150	16	,	,	PUNCT
gp-160	150	17	maraz	maraz	PROPN
gp-160	150	18	,	,	PUNCT
gp-160	150	19	a.	a.	PROPN
gp-160	150	20	,	,	PUNCT
gp-160	150	21	griffiths	griffiths	PROPN
gp-160	150	22	,	,	PUNCT
gp-160	150	23	m.	m.	PROPN
gp-160	150	24	d.	d.	PROPN
gp-160	150	25	,	,	PUNCT
gp-160	150	26	lejoyeux	lejoyeux	PROPN
gp-160	150	27	,	,	PUNCT
gp-160	150	28	m.	m.	NOUN
gp-160	150	29	,	,	PUNCT
gp-160	150	30	&	&	CCONJ
gp-160	150	31	demetrovics	demetrovics	PROPN
gp-160	150	32	,	,	PUNCT
gp-160	150	33	z.	z.	PROPN
gp-160	150	34	(	(	PUNCT
gp-160	150	35	2016	2016	NUM
gp-160	150	36	)	)	PUNCT
gp-160	150	37	.	.	PUNCT
gp-160	151	1	compulsive	compulsive	ADJ
gp-160	151	2	buying	buying	NOUN
gp-160	151	3	—	—	PUNCT
gp-160	151	4	features	feature	NOUN
gp-160	151	5	and	and	CCONJ
gp-160	151	6	characteristics	characteristic	NOUN
gp-160	151	7	of	of	ADP
gp-160	151	8	addiction	addiction	NOUN
gp-160	151	9	.	.	PUNCT
gp-160	152	1	in	in	ADP
gp-160	152	2	neuropathology	neuropathology	NOUN
gp-160	152	3	of	of	ADP
gp-160	152	4	drug	drug	NOUN
gp-160	152	5	addictions	addiction	NOUN
gp-160	152	6	and	and	CCONJ
gp-160	152	7	substance	substance	NOUN
gp-160	152	8	misuse	misuse	NOUN
gp-160	152	9	(	(	PUNCT
gp-160	152	10	pp	pp	ADJ
gp-160	152	11	.	.	PUNCT
gp-160	152	12	993–1007	993–1007	NUM
gp-160	152	13	)	)	PUNCT
gp-160	152	14	.	.	PUNCT
gp-160	153	1	elsevier	elsevier	PROPN
gp-160	153	2	.	.	PUNCT
gp-160	154	1	williams	williams	PROPN
gp-160	154	2	,	,	PUNCT
gp-160	154	3	i.	i.	PROPN
gp-160	154	4	,	,	PUNCT
gp-160	154	5	&	&	CCONJ
gp-160	154	6	powell	powell	PROPN
gp-160	154	7	,	,	PUNCT
gp-160	154	8	l.	l.	PROPN
gp-160	154	9	(	(	PUNCT
gp-160	154	10	2019	2019	NUM
gp-160	154	11	)	)	PUNCT
gp-160	154	12	.	.	PUNCT
gp-160	155	1	sustainable	sustainable	ADJ
gp-160	155	2	resource	resource	NOUN
gp-160	155	3	management	management	NOUN
gp-160	155	4	by	by	ADP
gp-160	155	5	students	student	NOUN
gp-160	155	6	at	at	ADP
gp-160	155	7	higher	high	ADJ
gp-160	155	8	education	education	NOUN
gp-160	155	9	institutions	institution	NOUN
gp-160	155	10	.	.	PUNCT
gp-160	156	1	detritus	detritus	NOUN
gp-160	156	2	,	,	PUNCT
gp-160	156	3	6	6	NUM
gp-160	156	4	,	,	PUNCT
gp-160	156	5	11–24	11–24	NUM
gp-160	156	6	.	.	PUNCT
gp-160	157	1	copyright	copyright	NOUN
gp-160	157	2	holders	holder	NOUN
gp-160	157	3	:	:	PUNCT
gp-160	157	4	bagus	bagus	PROPN
gp-160	157	5	suherman	suherman	PROPN
gp-160	157	6	,	,	PUNCT
gp-160	157	7	m.	m.	PROPN
gp-160	157	8	jamal	jamal	PROPN
gp-160	157	9	abdul	abdul	PROPN
gp-160	157	10	nasir	nasir	PROPN
gp-160	157	11	,	,	PUNCT
gp-160	157	12	bagus	bagus	PROPN
gp-160	157	13	ibnu	ibnu	PROPN
gp-160	157	14	utama	utama	PROPN
gp-160	157	15	(	(	PUNCT
gp-160	157	16	2025	2025	NUM
gp-160	157	17	)	)	PUNCT
gp-160	157	18	first	first	ADJ
gp-160	157	19	publication	publication	NOUN
gp-160	157	20	right	right	NOUN
gp-160	157	21	:	:	PUNCT
gp-160	157	22	ajemb	ajemb	PROPN
gp-160	157	23	–	–	PUNCT
gp-160	157	24	american	american	ADJ
gp-160	157	25	journal	journal	PROPN
gp-160	157	26	of	of	ADP
gp-160	157	27	economic	economic	ADJ
gp-160	157	28	and	and	CCONJ
gp-160	157	29	management	management	NOUN
gp-160	157	30	business	business	NOUN