id	sid	tid	token	lemma	pos
abrj-454	1	1	106	106	NUM
abrj-454	1	2	©	©	ADP
abrj-454	1	3	2025	2025	NUM
abrj-454	1	4	by	by	ADP
abrj-454	1	5	the	the	DET
abrj-454	1	6	author	author	NOUN
abrj-454	1	7	;	;	PUNCT
abrj-454	1	8	licensee	licensee	NOUN
abrj-454	1	9	eastern	eastern	ADJ
abrj-454	1	10	centre	centre	NOUN
abrj-454	1	11	of	of	ADP
abrj-454	1	12	science	science	NOUN
abrj-454	1	13	and	and	CCONJ
abrj-454	1	14	education	education	NOUN
abrj-454	1	15	,	,	PUNCT
abrj-454	1	16	usa	usa	PROPN
abrj-454	1	17	asian	asian	PROPN
abrj-454	1	18	business	business	PROPN
abrj-454	1	19	research	research	PROPN
abrj-454	1	20	journal	journal	PROPN
abrj-454	1	21	vol	vol	NOUN
abrj-454	1	22	.	.	PROPN
abrj-454	2	1	10	10	NUM
abrj-454	2	2	,	,	PUNCT
abrj-454	2	3	no	no	INTJ
abrj-454	2	4	.	.	NOUN
abrj-454	2	5	5	5	NUM
abrj-454	2	6	,	,	PUNCT
abrj-454	2	7	106	106	NUM
abrj-454	2	8	-	-	SYM
abrj-454	2	9	119	119	NUM
abrj-454	2	10	,	,	PUNCT
abrj-454	2	11	2025	2025	NUM
abrj-454	2	12	issn	issn	NOUN
abrj-454	2	13	:	:	PUNCT
abrj-454	2	14	2576	2576	NUM
abrj-454	2	15	-	-	SYM
abrj-454	2	16	6759	6759	NUM
abrj-454	2	17	doi	doi	NOUN
abrj-454	2	18	:	:	PUNCT
abrj-454	2	19	10.55220/25766759.454	10.55220/25766759.454	NUM
abrj-454	2	20	©	©	PROPN
abrj-454	2	21	2025	2025	NUM
abrj-454	2	22	by	by	ADP
abrj-454	2	23	the	the	DET
abrj-454	2	24	author	author	NOUN
abrj-454	2	25	;	;	PUNCT
abrj-454	2	26	licensee	licensee	NOUN
abrj-454	2	27	eastern	eastern	ADJ
abrj-454	2	28	centre	centre	NOUN
abrj-454	2	29	of	of	ADP
abrj-454	2	30	science	science	NOUN
abrj-454	2	31	and	and	CCONJ
abrj-454	2	32	education	education	NOUN
abrj-454	2	33	,	,	PUNCT
abrj-454	2	34	usa	usa	PROPN
abrj-454	2	35	financial	financial	ADJ
abrj-454	2	36	literacy	literacy	NOUN
abrj-454	2	37	and	and	CCONJ
abrj-454	2	38	digital	digital	ADJ
abrj-454	2	39	consumer	consumer	NOUN
abrj-454	2	40	decision	decision	NOUN
abrj-454	2	41	-	-	PUNCT
abrj-454	2	42	making	make	VERB
abrj-454	2	43	nexus	nexus	NOUN
abrj-454	2	44	:	:	PUNCT
abrj-454	2	45	a	a	DET
abrj-454	2	46	pls	pls	ADJ
abrj-454	2	47	-	-	PUNCT
abrj-454	2	48	sem	sem	NOUN
abrj-454	2	49	analysis	analysis	NOUN
abrj-454	2	50	of	of	ADP
abrj-454	2	51	behavioural	behavioural	ADJ
abrj-454	2	52	dynamics	dynamic	NOUN
abrj-454	2	53	in	in	ADP
abrj-454	2	54	vietnam	vietnam	PROPN
abrj-454	2	55	's	's	PART
abrj-454	2	56	emerging	emerge	VERB
abrj-454	2	57	peer	peer	NOUN
abrj-454	2	58	-	-	PUNCT
abrj-454	2	59	to	to	ADP
abrj-454	2	60	-	-	PUNCT
abrj-454	2	61	peer	peer	NOUN
abrj-454	2	62	lending	lending	NOUN
abrj-454	2	63	ecosystem	ecosystem	NOUN
abrj-454	2	64	thi	thi	AUX
abrj-454	2	65	thanh	thanh	VERB
abrj-454	2	66	huyen	huyen	PROPN
abrj-454	2	67	nguyen	nguyen	PROPN
abrj-454	2	68	thuyloi	thuyloi	PROPN
abrj-454	2	69	university	university	PROPN
abrj-454	2	70	,	,	PUNCT
abrj-454	2	71	vietnam	vietnam	PROPN
abrj-454	2	72	.	.	PUNCT
abrj-454	3	1	email	email	NOUN
abrj-454	3	2	:	:	PUNCT
abrj-454	3	3	huyenntt@tlu.edu.vn	huyenntt@tlu.edu.vn	PROPN
abrj-454	3	4	abstract	abstract	ADJ
abrj-454	3	5	this	this	DET
abrj-454	3	6	research	research	NOUN
abrj-454	3	7	investigates	investigate	VERB
abrj-454	3	8	the	the	DET
abrj-454	3	9	complex	complex	ADJ
abrj-454	3	10	interrelationship	interrelationship	NOUN
abrj-454	3	11	between	between	ADP
abrj-454	3	12	financial	financial	ADJ
abrj-454	3	13	literacy	literacy	NOUN
abrj-454	3	14	and	and	CCONJ
abrj-454	3	15	consumer	consumer	NOUN
abrj-454	3	16	decision	decision	NOUN
abrj-454	3	17	-	-	PUNCT
abrj-454	3	18	making	make	VERB
abrj-454	3	19	behaviour	behaviour	NOUN
abrj-454	3	20	within	within	ADP
abrj-454	3	21	vietnam	vietnam	PROPN
abrj-454	3	22	's	's	PART
abrj-454	3	23	rapidly	rapidly	ADV
abrj-454	3	24	evolving	evolve	VERB
abrj-454	3	25	peer	peer	NOUN
abrj-454	3	26	-	-	PUNCT
abrj-454	3	27	to	to	ADP
abrj-454	3	28	-	-	PUNCT
abrj-454	3	29	peer	peer	NOUN
abrj-454	3	30	(	(	PUNCT
abrj-454	3	31	p2p	p2p	NOUN
abrj-454	3	32	)	)	PUNCT
abrj-454	3	33	lending	lending	NOUN
abrj-454	3	34	ecosystem	ecosystem	NOUN
abrj-454	3	35	.	.	PUNCT
abrj-454	4	1	whilst	whilst	SCONJ
abrj-454	4	2	financial	financial	ADJ
abrj-454	4	3	technology	technology	NOUN
abrj-454	4	4	has	have	AUX
abrj-454	4	5	transformed	transform	VERB
abrj-454	4	6	access	access	NOUN
abrj-454	4	7	to	to	ADP
abrj-454	4	8	credit	credit	NOUN
abrj-454	4	9	markets	market	NOUN
abrj-454	4	10	globally	globally	ADV
abrj-454	4	11	,	,	PUNCT
abrj-454	4	12	the	the	DET
abrj-454	4	13	specific	specific	ADJ
abrj-454	4	14	dynamics	dynamic	NOUN
abrj-454	4	15	within	within	ADP
abrj-454	4	16	emerging	emerge	VERB
abrj-454	4	17	economies	economy	NOUN
abrj-454	4	18	with	with	ADP
abrj-454	4	19	nascent	nascent	ADJ
abrj-454	4	20	financial	financial	ADJ
abrj-454	4	21	infrastructures	infrastructure	NOUN
abrj-454	4	22	remain	remain	VERB
abrj-454	4	23	underexplored	underexplored	ADJ
abrj-454	4	24	.	.	PUNCT
abrj-454	5	1	through	through	ADP
abrj-454	5	2	a	a	DET
abrj-454	5	3	multidimensional	multidimensional	ADJ
abrj-454	5	4	conceptual	conceptual	ADJ
abrj-454	5	5	framework	framework	NOUN
abrj-454	5	6	integrating	integrate	VERB
abrj-454	5	7	financial	financial	ADJ
abrj-454	5	8	capability	capability	NOUN
abrj-454	5	9	theory	theory	NOUN
abrj-454	5	10	,	,	PUNCT
abrj-454	5	11	technology	technology	NOUN
abrj-454	5	12	acceptance	acceptance	NOUN
abrj-454	5	13	paradigms	paradigm	NOUN
abrj-454	5	14	,	,	PUNCT
abrj-454	5	15	and	and	CCONJ
abrj-454	5	16	behavioural	behavioural	ADJ
abrj-454	5	17	economics	economic	NOUN
abrj-454	5	18	,	,	PUNCT
abrj-454	5	19	this	this	DET
abrj-454	5	20	study	study	NOUN
abrj-454	5	21	examines	examine	VERB
abrj-454	5	22	how	how	SCONJ
abrj-454	5	23	varying	varying	ADJ
abrj-454	5	24	dimensions	dimension	NOUN
abrj-454	5	25	of	of	ADP
abrj-454	5	26	financial	financial	ADJ
abrj-454	5	27	literacy	literacy	NOUN
abrj-454	5	28	influence	influence	NOUN
abrj-454	5	29	decision	decision	NOUN
abrj-454	5	30	-	-	PUNCT
abrj-454	5	31	making	make	VERB
abrj-454	5	32	processes	process	NOUN
abrj-454	5	33	on	on	ADP
abrj-454	5	34	digital	digital	ADJ
abrj-454	5	35	lending	lending	NOUN
abrj-454	5	36	platforms	platform	NOUN
abrj-454	5	37	.	.	PUNCT
abrj-454	6	1	employing	employ	VERB
abrj-454	6	2	a	a	DET
abrj-454	6	3	structured	structured	ADJ
abrj-454	6	4	survey	survey	NOUN
abrj-454	6	5	methodology	methodology	NOUN
abrj-454	6	6	with	with	ADP
abrj-454	6	7	427	427	NUM
abrj-454	6	8	vietnamese	vietnamese	ADJ
abrj-454	6	9	p2p	p2p	NOUN
abrj-454	6	10	platform	platform	NOUN
abrj-454	6	11	users	user	NOUN
abrj-454	6	12	,	,	PUNCT
abrj-454	6	13	this	this	DET
abrj-454	6	14	research	research	NOUN
abrj-454	6	15	applies	apply	VERB
abrj-454	6	16	partial	partial	ADJ
abrj-454	6	17	least	least	ADJ
abrj-454	6	18	squares	square	VERB
abrj-454	6	19	structural	structural	ADJ
abrj-454	6	20	equation	equation	NOUN
abrj-454	6	21	modelling	modelling	NOUN
abrj-454	6	22	(	(	PUNCT
abrj-454	6	23	plssem	plssem	NOUN
abrj-454	6	24	)	)	PUNCT
abrj-454	6	25	supplemented	supplement	VERB
abrj-454	6	26	by	by	ADP
abrj-454	6	27	fuzzy	fuzzy	ADJ
abrj-454	6	28	-	-	PUNCT
abrj-454	6	29	set	set	VERB
abrj-454	6	30	qualitative	qualitative	ADJ
abrj-454	6	31	comparative	comparative	ADJ
abrj-454	6	32	analysis	analysis	NOUN
abrj-454	6	33	(	(	PUNCT
abrj-454	6	34	fsqca	fsqca	NOUN
abrj-454	6	35	)	)	PUNCT
abrj-454	6	36	to	to	PART
abrj-454	6	37	elucidate	elucidate	VERB
abrj-454	6	38	complex	complex	ADJ
abrj-454	6	39	causal	causal	ADJ
abrj-454	6	40	relationships	relationship	NOUN
abrj-454	6	41	.	.	PUNCT
abrj-454	7	1	the	the	DET
abrj-454	7	2	findings	finding	NOUN
abrj-454	7	3	reveal	reveal	VERB
abrj-454	7	4	financial	financial	ADJ
abrj-454	7	5	literacy	literacy	NOUN
abrj-454	7	6	demonstrates	demonstrate	VERB
abrj-454	7	7	significant	significant	ADJ
abrj-454	7	8	direct	direct	ADJ
abrj-454	7	9	effects	effect	NOUN
abrj-454	7	10	on	on	ADP
abrj-454	7	11	risk	risk	NOUN
abrj-454	7	12	perception	perception	NOUN
abrj-454	7	13	,	,	PUNCT
abrj-454	7	14	trust	trust	NOUN
abrj-454	7	15	formation	formation	NOUN
abrj-454	7	16	,	,	PUNCT
abrj-454	7	17	and	and	CCONJ
abrj-454	7	18	platform	platform	NOUN
abrj-454	7	19	adoption	adoption	NOUN
abrj-454	7	20	decisions	decision	NOUN
abrj-454	7	21	,	,	PUNCT
abrj-454	7	22	with	with	ADP
abrj-454	7	23	differential	differential	ADJ
abrj-454	7	24	impacts	impact	NOUN
abrj-454	7	25	across	across	ADP
abrj-454	7	26	demographic	demographic	ADJ
abrj-454	7	27	segments	segment	NOUN
abrj-454	7	28	.	.	PUNCT
abrj-454	8	1	moreover	moreover	ADV
abrj-454	8	2	,	,	PUNCT
abrj-454	8	3	financial	financial	ADJ
abrj-454	8	4	self	self	NOUN
abrj-454	8	5	-	-	PUNCT
abrj-454	8	6	efficacy	efficacy	NOUN
abrj-454	8	7	emerges	emerge	VERB
abrj-454	8	8	as	as	ADP
abrj-454	8	9	a	a	DET
abrj-454	8	10	crucial	crucial	ADJ
abrj-454	8	11	moderating	moderate	VERB
abrj-454	8	12	variable	variable	NOUN
abrj-454	8	13	,	,	PUNCT
abrj-454	8	14	reconfiguring	reconfigure	VERB
abrj-454	8	15	the	the	DET
abrj-454	8	16	relationship	relationship	NOUN
abrj-454	8	17	between	between	ADP
abrj-454	8	18	financial	financial	ADJ
abrj-454	8	19	knowledge	knowledge	NOUN
abrj-454	8	20	and	and	CCONJ
abrj-454	8	21	behavioural	behavioural	ADJ
abrj-454	8	22	outcomes	outcome	NOUN
abrj-454	8	23	.	.	PUNCT
abrj-454	9	1	the	the	DET
abrj-454	9	2	research	research	NOUN
abrj-454	9	3	contributes	contribute	VERB
abrj-454	9	4	to	to	ADP
abrj-454	9	5	theoretical	theoretical	ADJ
abrj-454	9	6	advancement	advancement	NOUN
abrj-454	9	7	through	through	ADP
abrj-454	9	8	an	an	DET
abrj-454	9	9	integrated	integrated	ADJ
abrj-454	9	10	conceptual	conceptual	ADJ
abrj-454	9	11	model	model	NOUN
abrj-454	9	12	whilst	whilst	SCONJ
abrj-454	9	13	providing	provide	VERB
abrj-454	9	14	practical	practical	ADJ
abrj-454	9	15	insights	insight	NOUN
abrj-454	9	16	for	for	ADP
abrj-454	9	17	financial	financial	ADJ
abrj-454	9	18	technology	technology	NOUN
abrj-454	9	19	providers	provider	NOUN
abrj-454	9	20	,	,	PUNCT
abrj-454	9	21	regulatory	regulatory	ADJ
abrj-454	9	22	authorities	authority	NOUN
abrj-454	9	23	,	,	PUNCT
abrj-454	9	24	and	and	CCONJ
abrj-454	9	25	financial	financial	ADJ
abrj-454	9	26	literacy	literacy	NOUN
abrj-454	9	27	advocates	advocate	NOUN
abrj-454	9	28	within	within	ADP
abrj-454	9	29	vietnam	vietnam	PROPN
abrj-454	9	30	's	's	PART
abrj-454	9	31	distinctive	distinctive	ADJ
abrj-454	9	32	socioeconomic	socioeconomic	ADJ
abrj-454	9	33	context	context	NOUN
abrj-454	9	34	.	.	PUNCT
abrj-454	10	1	keywords	keyword	NOUN
abrj-454	10	2	:	:	PUNCT
abrj-454	10	3	consumer	consumer	NOUN
abrj-454	10	4	behaviour	behaviour	NOUN
abrj-454	10	5	,	,	PUNCT
abrj-454	10	6	digital	digital	ADJ
abrj-454	10	7	lending	lending	NOUN
abrj-454	10	8	,	,	PUNCT
abrj-454	10	9	financial	financial	ADJ
abrj-454	10	10	literacy	literacy	NOUN
abrj-454	10	11	,	,	PUNCT
abrj-454	10	12	peer	peer	NOUN
abrj-454	10	13	-	-	PUNCT
abrj-454	10	14	to	to	ADP
abrj-454	10	15	-	-	PUNCT
abrj-454	10	16	peer	peer	NOUN
abrj-454	10	17	platforms	platform	NOUN
abrj-454	10	18	,	,	PUNCT
abrj-454	10	19	pls	pls	NOUN
abrj-454	10	20	-	-	PUNCT
abrj-454	10	21	sem	sem	NOUN
abrj-454	10	22	.	.	PROPN
abrj-454	11	1	1	1	NUM
abrj-454	11	2	.	.	X
abrj-454	11	3	introduction	introduction	NOUN
abrj-454	11	4	the	the	DET
abrj-454	11	5	proliferation	proliferation	NOUN
abrj-454	11	6	of	of	ADP
abrj-454	11	7	financial	financial	ADJ
abrj-454	11	8	technology	technology	NOUN
abrj-454	11	9	platforms	platform	NOUN
abrj-454	11	10	has	have	AUX
abrj-454	11	11	fundamentally	fundamentally	ADV
abrj-454	11	12	transformed	transform	VERB
abrj-454	11	13	financial	financial	ADJ
abrj-454	11	14	service	service	NOUN
abrj-454	11	15	accessibility	accessibility	NOUN
abrj-454	11	16	,	,	PUNCT
abrj-454	11	17	particularly	particularly	ADV
abrj-454	11	18	in	in	ADP
abrj-454	11	19	emerging	emerge	VERB
abrj-454	11	20	economies	economy	NOUN
abrj-454	11	21	with	with	ADP
abrj-454	11	22	historically	historically	ADV
abrj-454	11	23	limited	limited	ADJ
abrj-454	11	24	banking	banking	NOUN
abrj-454	11	25	infrastructure	infrastructure	NOUN
abrj-454	11	26	(	(	PUNCT
abrj-454	11	27	bruton	bruton	PROPN
abrj-454	11	28	et	et	PROPN
abrj-454	11	29	al	al	PROPN
abrj-454	11	30	.	.	PROPN
abrj-454	11	31	,	,	PUNCT
abrj-454	11	32	2015	2015	NUM
abrj-454	11	33	)	)	PUNCT
abrj-454	11	34	.	.	PUNCT
abrj-454	12	1	peer	peer	NOUN
abrj-454	12	2	-	-	PUNCT
abrj-454	12	3	to	to	ADP
abrj-454	12	4	-	-	PUNCT
abrj-454	12	5	peer	peer	NOUN
abrj-454	12	6	lending	lending	NOUN
abrj-454	12	7	platforms	platform	NOUN
abrj-454	12	8	represent	represent	VERB
abrj-454	12	9	particularly	particularly	ADV
abrj-454	12	10	disruptive	disruptive	ADJ
abrj-454	12	11	mechanisms	mechanism	NOUN
abrj-454	12	12	,	,	PUNCT
abrj-454	12	13	disintermediating	disintermediate	VERB
abrj-454	12	14	traditional	traditional	ADJ
abrj-454	12	15	institutions	institution	NOUN
abrj-454	12	16	and	and	CCONJ
abrj-454	12	17	creating	create	VERB
abrj-454	12	18	novel	novel	ADJ
abrj-454	12	19	marketplaces	marketplace	NOUN
abrj-454	12	20	connecting	connect	VERB
abrj-454	12	21	lenders	lender	NOUN
abrj-454	12	22	directly	directly	ADV
abrj-454	12	23	with	with	ADP
abrj-454	12	24	borrowers	borrower	NOUN
abrj-454	12	25	(	(	PUNCT
abrj-454	12	26	lin	lin	PROPN
abrj-454	12	27	et	et	PROPN
abrj-454	12	28	al	al	PROPN
abrj-454	12	29	.	.	PROPN
abrj-454	12	30	,	,	PUNCT
abrj-454	12	31	2013	2013	NUM
abrj-454	12	32	)	)	PUNCT
abrj-454	12	33	.	.	PUNCT
abrj-454	13	1	however	however	ADV
abrj-454	13	2	,	,	PUNCT
abrj-454	13	3	these	these	DET
abrj-454	13	4	platforms	platform	NOUN
abrj-454	13	5	'	'	PART
abrj-454	13	6	success	success	NOUN
abrj-454	13	7	remains	remain	VERB
abrj-454	13	8	contingent	contingent	ADJ
abrj-454	13	9	upon	upon	SCONJ
abrj-454	13	10	consumer	consumer	NOUN
abrj-454	13	11	-	-	PUNCT
abrj-454	13	12	level	level	NOUN
abrj-454	13	13	variables	variable	NOUN
abrj-454	13	14	influencing	influence	VERB
abrj-454	13	15	adoption	adoption	NOUN
abrj-454	13	16	and	and	CCONJ
abrj-454	13	17	decision	decision	NOUN
abrj-454	13	18	-	-	PUNCT
abrj-454	13	19	making	make	VERB
abrj-454	13	20	processes	process	NOUN
abrj-454	13	21	(	(	PUNCT
abrj-454	13	22	lee	lee	PROPN
abrj-454	13	23	&	&	CCONJ
abrj-454	13	24	shin	shin	PROPN
abrj-454	13	25	,	,	PUNCT
abrj-454	13	26	2018	2018	NUM
abrj-454	13	27	)	)	PUNCT
abrj-454	13	28	.	.	PUNCT
abrj-454	14	1	financial	financial	ADJ
abrj-454	14	2	literacy	literacy	NOUN
abrj-454	14	3	—	—	PUNCT
abrj-454	14	4	defined	define	VERB
abrj-454	14	5	as	as	ADP
abrj-454	14	6	the	the	DET
abrj-454	14	7	confluence	confluence	NOUN
abrj-454	14	8	of	of	ADP
abrj-454	14	9	knowledge	knowledge	NOUN
abrj-454	14	10	,	,	PUNCT
abrj-454	14	11	skills	skill	NOUN
abrj-454	14	12	,	,	PUNCT
abrj-454	14	13	and	and	CCONJ
abrj-454	14	14	attitudes	attitude	NOUN
abrj-454	14	15	enabling	enable	VERB
abrj-454	14	16	effective	effective	ADJ
abrj-454	14	17	financial	financial	ADJ
abrj-454	14	18	decision	decision	NOUN
abrj-454	14	19	-	-	PUNCT
abrj-454	14	20	making	making	NOUN
abrj-454	14	21	(	(	PUNCT
abrj-454	14	22	huston	huston	PROPN
abrj-454	14	23	,	,	PUNCT
abrj-454	14	24	2010)—has	2010)—has	NUM
abrj-454	14	25	emerged	emerge	VERB
abrj-454	14	26	as	as	ADP
abrj-454	14	27	a	a	DET
abrj-454	14	28	critical	critical	ADJ
abrj-454	14	29	yet	yet	ADV
abrj-454	14	30	insufficiently	insufficiently	ADV
abrj-454	14	31	examined	examine	VERB
abrj-454	14	32	construct	construct	NOUN
abrj-454	14	33	within	within	ADP
abrj-454	14	34	digital	digital	ADJ
abrj-454	14	35	lending	lending	NOUN
abrj-454	14	36	contexts	context	NOUN
abrj-454	14	37	.	.	PUNCT
abrj-454	15	1	whilst	whilst	SCONJ
abrj-454	15	2	its	its	PRON
abrj-454	15	3	significance	significance	NOUN
abrj-454	15	4	within	within	ADP
abrj-454	15	5	traditional	traditional	ADJ
abrj-454	15	6	banking	banking	NOUN
abrj-454	15	7	environments	environment	NOUN
abrj-454	15	8	is	be	AUX
abrj-454	15	9	well	well	ADV
abrj-454	15	10	-	-	PUNCT
abrj-454	15	11	established	establish	VERB
abrj-454	15	12	(	(	PUNCT
abrj-454	15	13	lusardi	lusardi	PROPN
abrj-454	15	14	&	&	CCONJ
abrj-454	15	15	mitchell	mitchell	PROPN
abrj-454	15	16	,	,	PUNCT
abrj-454	15	17	2014	2014	NUM
abrj-454	15	18	)	)	PUNCT
abrj-454	15	19	,	,	PUNCT
abrj-454	15	20	its	its	PRON
abrj-454	15	21	operative	operative	ADJ
abrj-454	15	22	mechanisms	mechanism	NOUN
abrj-454	15	23	within	within	ADP
abrj-454	15	24	novel	novel	ADJ
abrj-454	15	25	digital	digital	ADJ
abrj-454	15	26	architectures	architecture	NOUN
abrj-454	15	27	remain	remain	VERB
abrj-454	15	28	theoretically	theoretically	ADV
abrj-454	15	29	underdeveloped	underdeveloped	ADJ
abrj-454	15	30	(	(	PUNCT
abrj-454	15	31	agarwal	agarwal	PROPN
abrj-454	15	32	et	et	PROPN
abrj-454	15	33	al	al	PROPN
abrj-454	15	34	.	.	PROPN
abrj-454	15	35	,	,	PUNCT
abrj-454	15	36	2015	2015	NUM
abrj-454	15	37	)	)	PUNCT
abrj-454	15	38	,	,	PUNCT
abrj-454	15	39	particularly	particularly	ADV
abrj-454	15	40	in	in	ADP
abrj-454	15	41	emerging	emerge	VERB
abrj-454	15	42	economies	economy	NOUN
abrj-454	15	43	where	where	SCONJ
abrj-454	15	44	digital	digital	ADJ
abrj-454	15	45	adoption	adoption	NOUN
abrj-454	15	46	frequently	frequently	ADV
abrj-454	15	47	outpaces	outpace	VERB
abrj-454	15	48	financial	financial	ADJ
abrj-454	15	49	education	education	NOUN
abrj-454	15	50	infrastructure	infrastructure	NOUN
abrj-454	15	51	(	(	PUNCT
abrj-454	15	52	klapper	klapper	PROPN
abrj-454	15	53	et	et	PROPN
abrj-454	15	54	al	al	PROPN
abrj-454	15	55	.	.	PROPN
abrj-454	15	56	,	,	PUNCT
abrj-454	15	57	2015	2015	NUM
abrj-454	15	58	)	)	PUNCT
abrj-454	15	59	.	.	PUNCT
abrj-454	16	1	vietnam	vietnam	PROPN
abrj-454	16	2	presents	present	VERB
abrj-454	16	3	a	a	DET
abrj-454	16	4	compelling	compelling	ADJ
abrj-454	16	5	research	research	NOUN
abrj-454	16	6	context	context	NOUN
abrj-454	16	7	for	for	ADP
abrj-454	16	8	examining	examine	VERB
abrj-454	16	9	this	this	DET
abrj-454	16	10	nexus	nexus	NOUN
abrj-454	16	11	.	.	PUNCT
abrj-454	17	1	with	with	ADP
abrj-454	17	2	digital	digital	ADJ
abrj-454	17	3	financial	financial	ADJ
abrj-454	17	4	services	service	NOUN
abrj-454	17	5	adoption	adoption	NOUN
abrj-454	17	6	growing	grow	VERB
abrj-454	17	7	at	at	ADP
abrj-454	17	8	25	25	NUM
abrj-454	17	9	-	-	SYM
abrj-454	17	10	30	30	NUM
abrj-454	17	11	%	%	NOUN
abrj-454	17	12	annually	annually	ADV
abrj-454	17	13	(	(	PUNCT
abrj-454	17	14	world	world	PROPN
abrj-454	17	15	bank	bank	PROPN
abrj-454	17	16	,	,	PUNCT
abrj-454	17	17	2017	2017	NUM
abrj-454	17	18	)	)	PUNCT
abrj-454	17	19	,	,	PUNCT
abrj-454	17	20	the	the	DET
abrj-454	17	21	vietnamese	vietnamese	ADJ
abrj-454	17	22	p2p	p2p	NOUN
abrj-454	17	23	lending	lending	NOUN
abrj-454	17	24	market	market	NOUN
abrj-454	17	25	expanded	expand	VERB
abrj-454	17	26	from	from	ADP
abrj-454	17	27	$	$	SYM
abrj-454	17	28	300	300	NUM
abrj-454	17	29	million	million	NUM
abrj-454	17	30	in	in	ADP
abrj-454	17	31	2016	2016	NUM
abrj-454	17	32	to	to	ADP
abrj-454	17	33	approximately	approximately	ADV
abrj-454	17	34	$	$	SYM
abrj-454	17	35	7.8	7.8	NUM
abrj-454	17	36	billion	billion	NUM
abrj-454	17	37	by	by	ADP
abrj-454	17	38	2017	2017	NUM
abrj-454	17	39	(	(	PUNCT
abrj-454	17	40	asian	asian	PROPN
abrj-454	17	41	development	development	PROPN
abrj-454	17	42	bank	bank	PROPN
abrj-454	17	43	,	,	PUNCT
abrj-454	17	44	2017	2017	NUM
abrj-454	17	45	)	)	PUNCT
abrj-454	17	46	.	.	PUNCT
abrj-454	18	1	simultaneously	simultaneously	ADV
abrj-454	18	2	,	,	PUNCT
abrj-454	18	3	vietnamese	vietnamese	ADJ
abrj-454	18	4	financial	financial	ADJ
abrj-454	18	5	literacy	literacy	NOUN
abrj-454	18	6	rates	rate	NOUN
abrj-454	18	7	remain	remain	VERB
abrj-454	18	8	below	below	ADP
abrj-454	18	9	global	global	ADJ
abrj-454	18	10	averages	average	NOUN
abrj-454	18	11	,	,	PUNCT
abrj-454	18	12	with	with	ADP
abrj-454	18	13	only	only	ADV
abrj-454	18	14	24	24	NUM
abrj-454	18	15	%	%	NOUN
abrj-454	18	16	of	of	ADP
abrj-454	18	17	adults	adult	NOUN
abrj-454	18	18	demonstrating	demonstrate	VERB
abrj-454	18	19	adequate	adequate	ADJ
abrj-454	18	20	financial	financial	ADJ
abrj-454	18	21	knowledge	knowledge	NOUN
abrj-454	18	22	compared	compare	VERB
abrj-454	18	23	to	to	ADP
abrj-454	18	24	the	the	DET
abrj-454	18	25	33	33	NUM
abrj-454	18	26	%	%	NOUN
abrj-454	18	27	global	global	ADJ
abrj-454	18	28	average	average	NOUN
abrj-454	18	29	(	(	PUNCT
abrj-454	18	30	standard	standard	PROPN
abrj-454	18	31	&	&	CCONJ
abrj-454	18	32	poor	poor	PROPN
abrj-454	18	33	's	's	PART
abrj-454	18	34	,	,	PUNCT
abrj-454	18	35	2015	2015	NUM
abrj-454	18	36	)	)	PUNCT
abrj-454	18	37	.	.	PUNCT
abrj-454	19	1	the	the	DET
abrj-454	19	2	empirical	empirical	ADJ
abrj-454	19	3	literature	literature	NOUN
abrj-454	19	4	reveals	reveal	VERB
abrj-454	19	5	significant	significant	ADJ
abrj-454	19	6	gaps	gap	NOUN
abrj-454	19	7	in	in	ADP
abrj-454	19	8	understanding	understand	VERB
abrj-454	19	9	the	the	DET
abrj-454	19	10	precise	precise	ADJ
abrj-454	19	11	mechanisms	mechanism	NOUN
abrj-454	19	12	through	through	ADP
abrj-454	19	13	which	which	PRON
abrj-454	19	14	financial	financial	ADJ
abrj-454	19	15	literacy	literacy	NOUN
abrj-454	19	16	impacts	impact	VERB
abrj-454	19	17	digital	digital	ADJ
abrj-454	19	18	financial	financial	ADJ
abrj-454	19	19	behaviour	behaviour	NOUN
abrj-454	19	20	.	.	PUNCT
abrj-454	20	1	whilst	whilst	SCONJ
abrj-454	20	2	studies	study	NOUN
abrj-454	20	3	have	have	AUX
abrj-454	20	4	established	establish	VERB
abrj-454	20	5	correlations	correlation	NOUN
abrj-454	20	6	between	between	ADP
abrj-454	20	7	financial	financial	ADJ
abrj-454	20	8	knowledge	knowledge	NOUN
abrj-454	20	9	and	and	CCONJ
abrj-454	20	10	certain	certain	ADJ
abrj-454	20	11	decision	decision	NOUN
abrj-454	20	12	-	-	PUNCT
abrj-454	20	13	making	make	VERB
abrj-454	20	14	aspects	aspect	NOUN
abrj-454	20	15	(	(	PUNCT
abrj-454	20	16	fernandes	fernande	NOUN
abrj-454	20	17	et	et	PROPN
abrj-454	20	18	al	al	PROPN
abrj-454	20	19	.	.	PROPN
abrj-454	20	20	,	,	PUNCT
abrj-454	20	21	2014	2014	NUM
abrj-454	20	22	)	)	PUNCT
abrj-454	20	23	,	,	PUNCT
abrj-454	20	24	specific	specific	ADJ
abrj-454	20	25	pathways	pathway	NOUN
abrj-454	20	26	within	within	ADP
abrj-454	20	27	digital	digital	ADJ
abrj-454	20	28	environments	environment	NOUN
abrj-454	20	29	remain	remain	VERB
abrj-454	20	30	underspecified	underspecified	ADJ
abrj-454	20	31	.	.	PUNCT
abrj-454	21	1	this	this	DET
abrj-454	21	2	research	research	NOUN
abrj-454	21	3	addresses	address	VERB
abrj-454	21	4	these	these	DET
abrj-454	21	5	gaps	gap	NOUN
abrj-454	21	6	by	by	ADP
abrj-454	21	7	validating	validate	VERB
abrj-454	21	8	an	an	DET
abrj-454	21	9	integrated	integrate	VERB
abrj-454	21	10	framework	framework	NOUN
abrj-454	21	11	examining	examine	VERB
abrj-454	21	12	financial	financial	ADJ
abrj-454	21	13	literacy	literacy	NOUN
abrj-454	21	14	's	's	PART
abrj-454	21	15	multidimensional	multidimensional	ADJ
abrj-454	21	16	impact	impact	NOUN
abrj-454	21	17	on	on	ADP
abrj-454	21	18	consumer	consumer	NOUN
abrj-454	21	19	behaviour	behaviour	NOUN
abrj-454	21	20	within	within	ADP
abrj-454	21	21	vietnamese	vietnamese	ADJ
abrj-454	21	22	p2p	p2p	NOUN
abrj-454	21	23	platforms	platform	NOUN
abrj-454	21	24	.	.	PUNCT
abrj-454	22	1	drawing	draw	VERB
abrj-454	22	2	upon	upon	SCONJ
abrj-454	22	3	bounded	bounded	ADJ
abrj-454	22	4	rationality	rationality	NOUN
abrj-454	22	5	(	(	PUNCT
abrj-454	22	6	simon	simon	PROPN
abrj-454	22	7	,	,	PUNCT
abrj-454	22	8	1955	1955	NUM
abrj-454	22	9	)	)	PUNCT
abrj-454	22	10	,	,	PUNCT
abrj-454	22	11	technology	technology	NOUN
abrj-454	22	12	acceptance	acceptance	NOUN
abrj-454	22	13	(	(	PUNCT
abrj-454	22	14	davis	davis	PROPN
abrj-454	22	15	,	,	PUNCT
abrj-454	22	16	1989	1989	NUM
abrj-454	22	17	)	)	PUNCT
abrj-454	22	18	,	,	PUNCT
abrj-454	22	19	and	and	CCONJ
abrj-454	22	20	financial	financial	ADJ
abrj-454	22	21	capability	capability	NOUN
abrj-454	22	22	theories	theory	NOUN
abrj-454	22	23	(	(	PUNCT
abrj-454	22	24	johnson	johnson	PROPN
abrj-454	22	25	&	&	CCONJ
abrj-454	22	26	sherraden	sherraden	PROPN
abrj-454	22	27	,	,	PUNCT
abrj-454	22	28	2007	2007	NUM
abrj-454	22	29	)	)	PUNCT
abrj-454	22	30	,	,	PUNCT
abrj-454	22	31	this	this	DET
abrj-454	22	32	study	study	NOUN
abrj-454	22	33	employs	employ	VERB
abrj-454	22	34	structural	structural	ADJ
abrj-454	22	35	equation	equation	NOUN
abrj-454	22	36	modelling	model	VERB
abrj-454	22	37	with	with	ADP
abrj-454	22	38	partial	partial	ADJ
abrj-454	22	39	least	least	ADJ
abrj-454	22	40	squares	square	NOUN
abrj-454	22	41	approach	approach	NOUN
abrj-454	22	42	,	,	PUNCT
abrj-454	22	43	supplemented	supplement	VERB
abrj-454	22	44	by	by	ADP
abrj-454	22	45	fuzzy	fuzzy	ADJ
abrj-454	22	46	-	-	PUNCT
abrj-454	22	47	set	set	VERB
abrj-454	22	48	qualitative	qualitative	ADJ
abrj-454	22	49	comparative	comparative	ADJ
abrj-454	22	50	analysis	analysis	NOUN
abrj-454	22	51	(	(	PUNCT
abrj-454	22	52	hair	hair	NOUN
abrj-454	22	53	et	et	PROPN
abrj-454	22	54	al	al	PROPN
abrj-454	22	55	.	.	PROPN
abrj-454	22	56	,	,	PUNCT
abrj-454	22	57	2014	2014	NUM
abrj-454	22	58	)	)	PUNCT
abrj-454	22	59	.	.	PUNCT
abrj-454	23	1	mailto:huyenntt@tlu.edu.vn	mailto:huyenntt@tlu.edu.vn	X
abrj-454	23	2	https://doi.org/10.55220/25766759.454	https://doi.org/10.55220/25766759.454	DET
abrj-454	23	3	asian	asian	PROPN
abrj-454	23	4	business	business	PROPN
abrj-454	23	5	research	research	NOUN
abrj-454	23	6	journal	journal	NOUN
abrj-454	23	7	,	,	PUNCT
abrj-454	23	8	2025	2025	NUM
abrj-454	23	9	,	,	PUNCT
abrj-454	23	10	10(5	10(5	NUM
abrj-454	23	11	):	):	PUNCT
abrj-454	23	12	106	106	NUM
abrj-454	23	13	-	-	SYM
abrj-454	23	14	119	119	NUM
abrj-454	23	15	107	107	NUM
abrj-454	23	16	©	©	PROPN
abrj-454	23	17	2025	2025	NUM
abrj-454	23	18	by	by	ADP
abrj-454	23	19	the	the	DET
abrj-454	23	20	author	author	NOUN
abrj-454	23	21	;	;	PUNCT
abrj-454	23	22	licensee	licensee	NOUN
abrj-454	23	23	eastern	eastern	ADJ
abrj-454	23	24	centre	centre	NOUN
abrj-454	23	25	of	of	ADP
abrj-454	23	26	science	science	NOUN
abrj-454	23	27	and	and	CCONJ
abrj-454	23	28	education	education	NOUN
abrj-454	23	29	,	,	PUNCT
abrj-454	23	30	usa	usa	PROPN
abrj-454	23	31	the	the	DET
abrj-454	23	32	theoretical	theoretical	ADJ
abrj-454	23	33	contribution	contribution	NOUN
abrj-454	23	34	is	be	AUX
abrj-454	23	35	threefold	threefold	ADV
abrj-454	23	36	:	:	PUNCT
abrj-454	23	37	extending	extend	VERB
abrj-454	23	38	financial	financial	ADJ
abrj-454	23	39	literacy	literacy	NOUN
abrj-454	23	40	theory	theory	NOUN
abrj-454	23	41	within	within	ADP
abrj-454	23	42	digital	digital	ADJ
abrj-454	23	43	environments	environment	NOUN
abrj-454	23	44	;	;	PUNCT
abrj-454	23	45	advancing	advance	VERB
abrj-454	23	46	technology	technology	NOUN
abrj-454	23	47	adoption	adoption	NOUN
abrj-454	23	48	models	model	NOUN
abrj-454	23	49	by	by	ADP
abrj-454	23	50	integrating	integrate	VERB
abrj-454	23	51	financial	financial	ADJ
abrj-454	23	52	capability	capability	NOUN
abrj-454	23	53	constructs	construct	NOUN
abrj-454	23	54	;	;	PUNCT
abrj-454	23	55	and	and	CCONJ
abrj-454	23	56	enhancing	enhance	VERB
abrj-454	23	57	theoretical	theoretical	ADJ
abrj-454	23	58	specificity	specificity	NOUN
abrj-454	23	59	regarding	regard	VERB
abrj-454	23	60	emerging	emerge	VERB
abrj-454	23	61	market	market	NOUN
abrj-454	23	62	dynamics	dynamic	NOUN
abrj-454	23	63	.	.	PUNCT
abrj-454	24	1	additionally	additionally	ADV
abrj-454	24	2	,	,	PUNCT
abrj-454	24	3	this	this	DET
abrj-454	24	4	research	research	NOUN
abrj-454	24	5	generates	generate	VERB
abrj-454	24	6	practical	practical	ADJ
abrj-454	24	7	insights	insight	NOUN
abrj-454	24	8	for	for	ADP
abrj-454	24	9	platform	platform	NOUN
abrj-454	24	10	developers	developer	NOUN
abrj-454	24	11	,	,	PUNCT
abrj-454	24	12	regulatory	regulatory	ADJ
abrj-454	24	13	bodies	body	NOUN
abrj-454	24	14	,	,	PUNCT
abrj-454	24	15	and	and	CCONJ
abrj-454	24	16	financial	financial	ADJ
abrj-454	24	17	education	education	NOUN
abrj-454	24	18	initiatives	initiative	NOUN
abrj-454	24	19	within	within	ADP
abrj-454	24	20	rapidly	rapidly	ADV
abrj-454	24	21	digitalising	digitalise	VERB
abrj-454	24	22	economies	economy	NOUN
abrj-454	24	23	.	.	PUNCT
abrj-454	25	1	2	2	X
abrj-454	25	2	.	.	X
abrj-454	25	3	foundational	foundational	ADJ
abrj-454	25	4	theories	theory	NOUN
abrj-454	25	5	and	and	CCONJ
abrj-454	25	6	literature	literature	NOUN
abrj-454	25	7	review	review	NOUN
abrj-454	25	8	2.1	2.1	NUM
abrj-454	25	9	.	.	PUNCT
abrj-454	26	1	foundational	foundational	ADJ
abrj-454	26	2	theories	theory	NOUN
abrj-454	26	3	2.1.1	2.1.1	NUM
abrj-454	26	4	.	.	PUNCT
abrj-454	26	5	financial	financial	ADJ
abrj-454	26	6	literacy	literacy	NOUN
abrj-454	26	7	and	and	CCONJ
abrj-454	26	8	capability	capability	NOUN
abrj-454	26	9	theory	theory	NOUN
abrj-454	26	10	financial	financial	ADJ
abrj-454	26	11	literacy	literacy	NOUN
abrj-454	26	12	constitutes	constitute	VERB
abrj-454	26	13	a	a	DET
abrj-454	26	14	multidimensional	multidimensional	ADJ
abrj-454	26	15	theoretical	theoretical	ADJ
abrj-454	26	16	construct	construct	NOUN
abrj-454	26	17	that	that	PRON
abrj-454	26	18	has	have	AUX
abrj-454	26	19	undergone	undergo	VERB
abrj-454	26	20	substantial	substantial	ADJ
abrj-454	26	21	conceptual	conceptual	ADJ
abrj-454	26	22	evolution	evolution	NOUN
abrj-454	26	23	.	.	PUNCT
abrj-454	27	1	initially	initially	ADV
abrj-454	27	2	conceptualised	conceptualise	VERB
abrj-454	27	3	narrowly	narrowly	ADV
abrj-454	27	4	as	as	ADP
abrj-454	27	5	financial	financial	ADJ
abrj-454	27	6	knowledge	knowledge	NOUN
abrj-454	27	7	(	(	PUNCT
abrj-454	27	8	bernheim	bernheim	PROPN
abrj-454	27	9	&	&	CCONJ
abrj-454	27	10	garrett	garrett	PROPN
abrj-454	27	11	,	,	PUNCT
abrj-454	27	12	2003	2003	NUM
abrj-454	27	13	)	)	PUNCT
abrj-454	27	14	,	,	PUNCT
abrj-454	27	15	contemporary	contemporary	ADJ
abrj-454	27	16	theoretical	theoretical	ADJ
abrj-454	27	17	frameworks	framework	NOUN
abrj-454	27	18	have	have	AUX
abrj-454	27	19	expanded	expand	VERB
abrj-454	27	20	to	to	PART
abrj-454	27	21	encompass	encompass	VERB
abrj-454	27	22	cognitive	cognitive	ADJ
abrj-454	27	23	,	,	PUNCT
abrj-454	27	24	attitudinal	attitudinal	ADJ
abrj-454	27	25	,	,	PUNCT
abrj-454	27	26	and	and	CCONJ
abrj-454	27	27	behavioural	behavioural	ADJ
abrj-454	27	28	dimensions	dimension	NOUN
abrj-454	27	29	that	that	PRON
abrj-454	27	30	collectively	collectively	ADV
abrj-454	27	31	enable	enable	VERB
abrj-454	27	32	effective	effective	ADJ
abrj-454	27	33	financial	financial	ADJ
abrj-454	27	34	decision	decision	NOUN
abrj-454	27	35	-	-	PUNCT
abrj-454	27	36	making	making	NOUN
abrj-454	27	37	(	(	PUNCT
abrj-454	27	38	remund	remund	NOUN
abrj-454	27	39	,	,	PUNCT
abrj-454	27	40	2010	2010	NUM
abrj-454	27	41	)	)	PUNCT
abrj-454	27	42	.	.	PUNCT
abrj-454	28	1	the	the	DET
abrj-454	28	2	theoretical	theoretical	ADJ
abrj-454	28	3	foundations	foundation	NOUN
abrj-454	28	4	of	of	ADP
abrj-454	28	5	financial	financial	ADJ
abrj-454	28	6	literacy	literacy	NOUN
abrj-454	28	7	derive	derive	VERB
abrj-454	28	8	primarily	primarily	ADV
abrj-454	28	9	from	from	ADP
abrj-454	28	10	human	human	ADJ
abrj-454	28	11	capital	capital	NOUN
abrj-454	28	12	theory	theory	NOUN
abrj-454	28	13	,	,	PUNCT
abrj-454	28	14	which	which	PRON
abrj-454	28	15	positions	position	VERB
abrj-454	28	16	financial	financial	ADJ
abrj-454	28	17	knowledge	knowledge	NOUN
abrj-454	28	18	as	as	ADP
abrj-454	28	19	a	a	DET
abrj-454	28	20	form	form	NOUN
abrj-454	28	21	of	of	ADP
abrj-454	28	22	intellectual	intellectual	ADJ
abrj-454	28	23	capital	capital	NOUN
abrj-454	28	24	that	that	PRON
abrj-454	28	25	enhances	enhance	VERB
abrj-454	28	26	decision	decision	NOUN
abrj-454	28	27	-	-	PUNCT
abrj-454	28	28	making	make	VERB
abrj-454	28	29	capacity	capacity	NOUN
abrj-454	28	30	(	(	PUNCT
abrj-454	28	31	delavande	delavande	NOUN
abrj-454	28	32	et	et	PROPN
abrj-454	28	33	al	al	PROPN
abrj-454	28	34	.	.	PROPN
abrj-454	28	35	,	,	PUNCT
abrj-454	28	36	2008	2008	NUM
abrj-454	28	37	)	)	PUNCT
abrj-454	28	38	.	.	PUNCT
abrj-454	29	1	huston	huston	PROPN
abrj-454	29	2	(	(	PUNCT
abrj-454	29	3	2010	2010	NUM
abrj-454	29	4	)	)	PUNCT
abrj-454	29	5	advanced	advance	VERB
abrj-454	29	6	this	this	DET
abrj-454	29	7	conceptualisation	conceptualisation	NOUN
abrj-454	29	8	by	by	ADP
abrj-454	29	9	distinguishing	distinguish	VERB
abrj-454	29	10	between	between	ADP
abrj-454	29	11	financial	financial	ADJ
abrj-454	29	12	knowledge	knowledge	NOUN
abrj-454	29	13	(	(	PUNCT
abrj-454	29	14	the	the	DET
abrj-454	29	15	stock	stock	NOUN
abrj-454	29	16	of	of	ADP
abrj-454	29	17	information	information	NOUN
abrj-454	29	18	)	)	PUNCT
abrj-454	29	19	and	and	CCONJ
abrj-454	29	20	financial	financial	ADJ
abrj-454	29	21	literacy	literacy	NOUN
abrj-454	29	22	(	(	PUNCT
abrj-454	29	23	the	the	DET
abrj-454	29	24	application	application	NOUN
abrj-454	29	25	of	of	ADP
abrj-454	29	26	that	that	DET
abrj-454	29	27	knowledge	knowledge	NOUN
abrj-454	29	28	)	)	PUNCT
abrj-454	29	29	,	,	PUNCT
abrj-454	29	30	thereby	thereby	ADV
abrj-454	29	31	establishing	establish	VERB
abrj-454	29	32	a	a	DET
abrj-454	29	33	crucial	crucial	ADJ
abrj-454	29	34	theoretical	theoretical	ADJ
abrj-454	29	35	distinction	distinction	NOUN
abrj-454	29	36	that	that	PRON
abrj-454	29	37	informs	inform	VERB
abrj-454	29	38	the	the	DET
abrj-454	29	39	present	present	ADJ
abrj-454	29	40	research	research	NOUN
abrj-454	29	41	.	.	PUNCT
abrj-454	30	1	financial	financial	ADJ
abrj-454	30	2	capability	capability	NOUN
abrj-454	30	3	theory	theory	NOUN
abrj-454	30	4	,	,	PUNCT
abrj-454	30	5	as	as	SCONJ
abrj-454	30	6	articulated	articulate	VERB
abrj-454	30	7	by	by	ADP
abrj-454	30	8	johnson	johnson	PROPN
abrj-454	30	9	and	and	CCONJ
abrj-454	30	10	sherraden	sherraden	NOUN
abrj-454	30	11	(	(	PUNCT
abrj-454	30	12	2007	2007	NUM
abrj-454	30	13	)	)	PUNCT
abrj-454	30	14	,	,	PUNCT
abrj-454	30	15	represents	represent	VERB
abrj-454	30	16	a	a	DET
abrj-454	30	17	significant	significant	ADJ
abrj-454	30	18	theoretical	theoretical	ADJ
abrj-454	30	19	advancement	advancement	NOUN
abrj-454	30	20	by	by	ADP
abrj-454	30	21	integrating	integrate	VERB
abrj-454	30	22	both	both	PRON
abrj-454	30	23	individual	individual	ADJ
abrj-454	30	24	capacity	capacity	NOUN
abrj-454	30	25	and	and	CCONJ
abrj-454	30	26	structural	structural	ADJ
abrj-454	30	27	opportunity	opportunity	NOUN
abrj-454	30	28	.	.	PUNCT
abrj-454	31	1	this	this	DET
abrj-454	31	2	theoretical	theoretical	ADJ
abrj-454	31	3	framework	framework	NOUN
abrj-454	31	4	posits	posit	NOUN
abrj-454	31	5	that	that	SCONJ
abrj-454	31	6	effective	effective	ADJ
abrj-454	31	7	financial	financial	ADJ
abrj-454	31	8	behaviour	behaviour	NOUN
abrj-454	31	9	requires	require	VERB
abrj-454	31	10	not	not	PART
abrj-454	31	11	only	only	ADV
abrj-454	31	12	knowledge	knowledge	NOUN
abrj-454	31	13	and	and	CCONJ
abrj-454	31	14	skills	skill	NOUN
abrj-454	31	15	but	but	CCONJ
abrj-454	31	16	also	also	ADV
abrj-454	31	17	accessible	accessible	ADJ
abrj-454	31	18	institutional	institutional	ADJ
abrj-454	31	19	mechanisms	mechanism	NOUN
abrj-454	31	20	that	that	PRON
abrj-454	31	21	facilitate	facilitate	VERB
abrj-454	31	22	financial	financial	ADJ
abrj-454	31	23	action	action	NOUN
abrj-454	31	24	.	.	PUNCT
abrj-454	32	1	sherraden	sherraden	NOUN
abrj-454	32	2	(	(	PUNCT
abrj-454	32	3	2013	2013	NUM
abrj-454	32	4	)	)	PUNCT
abrj-454	32	5	further	far	ADV
abrj-454	32	6	developed	develop	VERB
abrj-454	32	7	this	this	DET
abrj-454	32	8	theoretical	theoretical	ADJ
abrj-454	32	9	position	position	NOUN
abrj-454	32	10	by	by	ADP
abrj-454	32	11	emphasising	emphasise	VERB
abrj-454	32	12	the	the	DET
abrj-454	32	13	interaction	interaction	NOUN
abrj-454	32	14	between	between	ADP
abrj-454	32	15	individual	individual	ADJ
abrj-454	32	16	agency	agency	NOUN
abrj-454	32	17	and	and	CCONJ
abrj-454	32	18	financial	financial	ADJ
abrj-454	32	19	infrastructure	infrastructure	NOUN
abrj-454	32	20	,	,	PUNCT
abrj-454	32	21	positioning	position	VERB
abrj-454	32	22	financial	financial	ADJ
abrj-454	32	23	capability	capability	NOUN
abrj-454	32	24	as	as	ADP
abrj-454	32	25	an	an	DET
abrj-454	32	26	emergent	emergent	ADJ
abrj-454	32	27	property	property	NOUN
abrj-454	32	28	of	of	ADP
abrj-454	32	29	this	this	DET
abrj-454	32	30	interaction	interaction	NOUN
abrj-454	32	31	rather	rather	ADV
abrj-454	32	32	than	than	ADP
abrj-454	32	33	a	a	DET
abrj-454	32	34	purely	purely	ADV
abrj-454	32	35	individual	individual	ADJ
abrj-454	32	36	attribute	attribute	NOUN
abrj-454	32	37	.	.	PUNCT
abrj-454	33	1	this	this	DET
abrj-454	33	2	theoretical	theoretical	ADJ
abrj-454	33	3	perspective	perspective	NOUN
abrj-454	33	4	bears	bear	VERB
abrj-454	33	5	particular	particular	ADJ
abrj-454	33	6	relevance	relevance	NOUN
abrj-454	33	7	within	within	ADP
abrj-454	33	8	the	the	DET
abrj-454	33	9	vietnamese	vietnamese	ADJ
abrj-454	33	10	context	context	NOUN
abrj-454	33	11	,	,	PUNCT
abrj-454	33	12	where	where	SCONJ
abrj-454	33	13	rapid	rapid	ADJ
abrj-454	33	14	financial	financial	ADJ
abrj-454	33	15	technology	technology	NOUN
abrj-454	33	16	innovation	innovation	NOUN
abrj-454	33	17	has	have	AUX
abrj-454	33	18	expanded	expand	VERB
abrj-454	33	19	institutional	institutional	ADJ
abrj-454	33	20	access	access	NOUN
abrj-454	33	21	while	while	SCONJ
abrj-454	33	22	financial	financial	ADJ
abrj-454	33	23	education	education	NOUN
abrj-454	33	24	infrastructure	infrastructure	NOUN
abrj-454	33	25	remains	remain	VERB
abrj-454	33	26	underdeveloped	underdeveloped	ADJ
abrj-454	33	27	.	.	PUNCT
abrj-454	34	1	the	the	DET
abrj-454	34	2	theoretical	theoretical	ADJ
abrj-454	34	3	conceptualisation	conceptualisation	NOUN
abrj-454	34	4	of	of	ADP
abrj-454	34	5	financial	financial	ADJ
abrj-454	34	6	literacy	literacy	NOUN
abrj-454	34	7	has	have	AUX
abrj-454	34	8	further	far	ADV
abrj-454	34	9	evolved	evolve	VERB
abrj-454	34	10	through	through	ADP
abrj-454	34	11	integration	integration	NOUN
abrj-454	34	12	with	with	ADP
abrj-454	34	13	behavioural	behavioural	ADJ
abrj-454	34	14	economics	economic	NOUN
abrj-454	34	15	,	,	PUNCT
abrj-454	34	16	particularly	particularly	ADV
abrj-454	34	17	bounded	bound	VERB
abrj-454	34	18	rationality	rationality	NOUN
abrj-454	34	19	theory	theory	NOUN
abrj-454	34	20	(	(	PUNCT
abrj-454	34	21	simon	simon	PROPN
abrj-454	34	22	,	,	PUNCT
abrj-454	34	23	1955	1955	NUM
abrj-454	34	24	)	)	PUNCT
abrj-454	34	25	.	.	PUNCT
abrj-454	35	1	this	this	DET
abrj-454	35	2	theoretical	theoretical	ADJ
abrj-454	35	3	integration	integration	NOUN
abrj-454	35	4	recognises	recognise	VERB
abrj-454	35	5	that	that	SCONJ
abrj-454	35	6	financial	financial	ADJ
abrj-454	35	7	decision	decision	NOUN
abrj-454	35	8	-	-	PUNCT
abrj-454	35	9	making	making	NOUN
abrj-454	35	10	occurs	occur	VERB
abrj-454	35	11	under	under	ADP
abrj-454	35	12	conditions	condition	NOUN
abrj-454	35	13	of	of	ADP
abrj-454	35	14	cognitive	cognitive	ADJ
abrj-454	35	15	constraint	constraint	NOUN
abrj-454	35	16	,	,	PUNCT
abrj-454	35	17	information	information	NOUN
abrj-454	35	18	asymmetry	asymmetry	NOUN
abrj-454	35	19	,	,	PUNCT
abrj-454	35	20	and	and	CCONJ
abrj-454	35	21	motivational	motivational	ADJ
abrj-454	35	22	biases	bias	NOUN
abrj-454	35	23	(	(	PUNCT
abrj-454	35	24	lusardi	lusardi	PROPN
abrj-454	35	25	&	&	CCONJ
abrj-454	35	26	mitchell	mitchell	PROPN
abrj-454	35	27	,	,	PUNCT
abrj-454	35	28	2014	2014	NUM
abrj-454	35	29	)	)	PUNCT
abrj-454	35	30	.	.	PUNCT
abrj-454	36	1	thaler	thaler	NOUN
abrj-454	36	2	(	(	PUNCT
abrj-454	36	3	2015	2015	NUM
abrj-454	36	4	)	)	PUNCT
abrj-454	36	5	advanced	advance	VERB
abrj-454	36	6	this	this	DET
abrj-454	36	7	theoretical	theoretical	ADJ
abrj-454	36	8	synthesis	synthesis	NOUN
abrj-454	36	9	by	by	ADP
abrj-454	36	10	demonstrating	demonstrate	VERB
abrj-454	36	11	how	how	SCONJ
abrj-454	36	12	financial	financial	ADJ
abrj-454	36	13	literacy	literacy	NOUN
abrj-454	36	14	influences	influence	VERB
abrj-454	36	15	susceptibility	susceptibility	NOUN
abrj-454	36	16	to	to	ADP
abrj-454	36	17	behavioural	behavioural	ADJ
abrj-454	36	18	biases	bias	NOUN
abrj-454	36	19	,	,	PUNCT
abrj-454	36	20	including	include	VERB
abrj-454	36	21	present	present	ADJ
abrj-454	36	22	bias	bias	NOUN
abrj-454	36	23	,	,	PUNCT
abrj-454	36	24	loss	loss	NOUN
abrj-454	36	25	aversion	aversion	NOUN
abrj-454	36	26	,	,	PUNCT
abrj-454	36	27	and	and	CCONJ
abrj-454	36	28	choice	choice	NOUN
abrj-454	36	29	overload	overload	NOUN
abrj-454	36	30	—	—	PUNCT
abrj-454	36	31	all	all	PRON
abrj-454	36	32	particularly	particularly	ADV
abrj-454	36	33	relevant	relevant	ADJ
abrj-454	36	34	within	within	ADP
abrj-454	36	35	digital	digital	ADJ
abrj-454	36	36	environments	environment	NOUN
abrj-454	36	37	that	that	PRON
abrj-454	36	38	intensify	intensify	VERB
abrj-454	36	39	information	information	NOUN
abrj-454	36	40	complexity	complexity	NOUN
abrj-454	36	41	.	.	PUNCT
abrj-454	37	1	within	within	ADP
abrj-454	37	2	this	this	DET
abrj-454	37	3	theoretical	theoretical	ADJ
abrj-454	37	4	framework	framework	NOUN
abrj-454	37	5	,	,	PUNCT
abrj-454	37	6	financial	financial	ADJ
abrj-454	37	7	literacy	literacy	NOUN
abrj-454	37	8	can	can	AUX
abrj-454	37	9	be	be	AUX
abrj-454	37	10	understood	understand	VERB
abrj-454	37	11	as	as	ADP
abrj-454	37	12	a	a	DET
abrj-454	37	13	mitigating	mitigate	VERB
abrj-454	37	14	factor	factor	NOUN
abrj-454	37	15	that	that	PRON
abrj-454	37	16	reduces	reduce	VERB
abrj-454	37	17	the	the	DET
abrj-454	37	18	gap	gap	NOUN
abrj-454	37	19	between	between	ADP
abrj-454	37	20	normative	normative	ADJ
abrj-454	37	21	economic	economic	ADJ
abrj-454	37	22	models	model	NOUN
abrj-454	37	23	and	and	CCONJ
abrj-454	37	24	actual	actual	ADJ
abrj-454	37	25	financial	financial	ADJ
abrj-454	37	26	behaviour	behaviour	NOUN
abrj-454	37	27	.	.	PUNCT
abrj-454	38	1	critically	critically	ADV
abrj-454	38	2	,	,	PUNCT
abrj-454	38	3	this	this	DET
abrj-454	38	4	theoretical	theoretical	ADJ
abrj-454	38	5	evolution	evolution	NOUN
abrj-454	38	6	has	have	AUX
abrj-454	38	7	produced	produce	VERB
abrj-454	38	8	increased	increased	ADJ
abrj-454	38	9	recognition	recognition	NOUN
abrj-454	38	10	of	of	ADP
abrj-454	38	11	financial	financial	ADJ
abrj-454	38	12	literacy	literacy	NOUN
abrj-454	38	13	as	as	ADP
abrj-454	38	14	domain	domain	NOUN
abrj-454	38	15	-	-	PUNCT
abrj-454	38	16	specific	specific	NOUN
abrj-454	38	17	rather	rather	ADV
abrj-454	38	18	than	than	ADP
abrj-454	38	19	universal	universal	ADJ
abrj-454	38	20	(	(	PUNCT
abrj-454	38	21	hung	hung	NOUN
abrj-454	38	22	et	et	PROPN
abrj-454	38	23	al	al	PROPN
abrj-454	38	24	.	.	PROPN
abrj-454	38	25	,	,	PUNCT
abrj-454	38	26	2009	2009	NUM
abrj-454	38	27	)	)	PUNCT
abrj-454	38	28	.	.	PUNCT
abrj-454	39	1	financial	financial	ADJ
abrj-454	39	2	knowledge	knowledge	NOUN
abrj-454	39	3	and	and	CCONJ
abrj-454	39	4	capability	capability	NOUN
abrj-454	39	5	that	that	PRON
abrj-454	39	6	prove	prove	VERB
abrj-454	39	7	adequate	adequate	ADJ
abrj-454	39	8	within	within	ADP
abrj-454	39	9	traditional	traditional	ADJ
abrj-454	39	10	banking	banking	NOUN
abrj-454	39	11	contexts	context	NOUN
abrj-454	39	12	may	may	AUX
abrj-454	39	13	prove	prove	VERB
abrj-454	39	14	insufficient	insufficient	ADJ
abrj-454	39	15	within	within	ADP
abrj-454	39	16	novel	novel	ADJ
abrj-454	39	17	digital	digital	ADJ
abrj-454	39	18	environments	environment	NOUN
abrj-454	39	19	that	that	PRON
abrj-454	39	20	present	present	VERB
abrj-454	39	21	distinctive	distinctive	ADJ
abrj-454	39	22	decision	decision	NOUN
abrj-454	39	23	architectures	architecture	NOUN
abrj-454	39	24	,	,	PUNCT
abrj-454	39	25	information	information	NOUN
abrj-454	39	26	structures	structure	NOUN
abrj-454	39	27	,	,	PUNCT
abrj-454	39	28	and	and	CCONJ
abrj-454	39	29	risk	risk	NOUN
abrj-454	39	30	parameters	parameter	NOUN
abrj-454	39	31	.	.	PUNCT
abrj-454	40	1	this	this	DET
abrj-454	40	2	theoretical	theoretical	ADJ
abrj-454	40	3	position	position	NOUN
abrj-454	40	4	underpins	underpin	VERB
abrj-454	40	5	the	the	DET
abrj-454	40	6	present	present	ADJ
abrj-454	40	7	research	research	NOUN
abrj-454	40	8	's	's	PART
abrj-454	40	9	focus	focus	NOUN
abrj-454	40	10	on	on	ADP
abrj-454	40	11	digital	digital	ADJ
abrj-454	40	12	-	-	PUNCT
abrj-454	40	13	specific	specific	ADJ
abrj-454	40	14	financial	financial	ADJ
abrj-454	40	15	literacy	literacy	NOUN
abrj-454	40	16	as	as	ADP
abrj-454	40	17	a	a	DET
abrj-454	40	18	distinct	distinct	ADJ
abrj-454	40	19	construct	construct	NOUN
abrj-454	40	20	from	from	ADP
abrj-454	40	21	general	general	ADJ
abrj-454	40	22	financial	financial	ADJ
abrj-454	40	23	knowledge	knowledge	NOUN
abrj-454	40	24	.	.	PUNCT
abrj-454	41	1	remund	remund	NOUN
abrj-454	41	2	(	(	PUNCT
abrj-454	41	3	2010	2010	NUM
abrj-454	41	4	)	)	PUNCT
abrj-454	41	5	supports	support	VERB
abrj-454	41	6	this	this	DET
abrj-454	41	7	theoretical	theoretical	ADJ
abrj-454	41	8	distinction	distinction	NOUN
abrj-454	41	9	by	by	ADP
abrj-454	41	10	demonstrating	demonstrate	VERB
abrj-454	41	11	how	how	SCONJ
abrj-454	41	12	financial	financial	ADJ
abrj-454	41	13	literacy	literacy	NOUN
abrj-454	41	14	encompasses	encompass	VERB
abrj-454	41	15	contextspecific	contextspecific	ADJ
abrj-454	41	16	competencies	competency	NOUN
abrj-454	41	17	rather	rather	ADV
abrj-454	41	18	than	than	ADP
abrj-454	41	19	generalised	generalised	ADJ
abrj-454	41	20	aptitude	aptitude	NOUN
abrj-454	41	21	.	.	PUNCT
abrj-454	42	1	within	within	ADP
abrj-454	42	2	emerging	emerge	VERB
abrj-454	42	3	economies	economy	NOUN
abrj-454	42	4	specifically	specifically	ADV
abrj-454	42	5	,	,	PUNCT
abrj-454	42	6	financial	financial	ADJ
abrj-454	42	7	capability	capability	NOUN
abrj-454	42	8	theory	theory	NOUN
abrj-454	42	9	has	have	AUX
abrj-454	42	10	been	be	AUX
abrj-454	42	11	extended	extend	VERB
abrj-454	42	12	by	by	ADP
abrj-454	42	13	scholars	scholar	NOUN
abrj-454	42	14	emphasising	emphasise	VERB
abrj-454	42	15	the	the	DET
abrj-454	42	16	role	role	NOUN
abrj-454	42	17	of	of	ADP
abrj-454	42	18	social	social	ADJ
abrj-454	42	19	and	and	CCONJ
abrj-454	42	20	cultural	cultural	ADJ
abrj-454	42	21	factors	factor	NOUN
abrj-454	42	22	that	that	PRON
abrj-454	42	23	condition	condition	VERB
abrj-454	42	24	financial	financial	ADJ
abrj-454	42	25	behaviour	behaviour	NOUN
abrj-454	42	26	.	.	PUNCT
abrj-454	43	1	sherraden	sherraden	NOUN
abrj-454	43	2	et	et	PROPN
abrj-454	43	3	al	al	PROPN
abrj-454	43	4	.	.	PROPN
abrj-454	44	1	(	(	PUNCT
abrj-454	44	2	2015	2015	NUM
abrj-454	44	3	)	)	PUNCT
abrj-454	44	4	articulated	articulate	VERB
abrj-454	44	5	how	how	SCONJ
abrj-454	44	6	financial	financial	ADJ
abrj-454	44	7	capability	capability	NOUN
abrj-454	44	8	development	development	NOUN
abrj-454	44	9	occurs	occur	VERB
abrj-454	44	10	through	through	ADP
abrj-454	44	11	the	the	DET
abrj-454	44	12	integration	integration	NOUN
abrj-454	44	13	of	of	ADP
abrj-454	44	14	formal	formal	ADJ
abrj-454	44	15	knowledge	knowledge	NOUN
abrj-454	44	16	systems	system	NOUN
abrj-454	44	17	with	with	ADP
abrj-454	44	18	communitybased	communitybased	ADJ
abrj-454	44	19	financial	financial	ADJ
abrj-454	44	20	practices	practice	NOUN
abrj-454	44	21	—	—	PUNCT
abrj-454	44	22	a	a	DET
abrj-454	44	23	theoretical	theoretical	ADJ
abrj-454	44	24	perspective	perspective	NOUN
abrj-454	44	25	particularly	particularly	ADV
abrj-454	44	26	relevant	relevant	ADJ
abrj-454	44	27	within	within	ADP
abrj-454	44	28	the	the	DET
abrj-454	44	29	vietnamese	vietnamese	ADJ
abrj-454	44	30	context	context	NOUN
abrj-454	44	31	where	where	SCONJ
abrj-454	44	32	traditional	traditional	ADJ
abrj-454	44	33	lending	lending	NOUN
abrj-454	44	34	circles	circle	NOUN
abrj-454	44	35	(	(	PUNCT
abrj-454	44	36	hui	hui	PROPN
abrj-454	44	37	)	)	PUNCT
abrj-454	44	38	and	and	CCONJ
abrj-454	44	39	family	family	NOUN
abrj-454	44	40	financial	financial	ADJ
abrj-454	44	41	networks	network	NOUN
abrj-454	44	42	have	have	AUX
abrj-454	44	43	historically	historically	ADV
abrj-454	44	44	substituted	substitute	VERB
abrj-454	44	45	for	for	ADP
abrj-454	44	46	formal	formal	ADJ
abrj-454	44	47	financial	financial	ADJ
abrj-454	44	48	institutions	institution	NOUN
abrj-454	44	49	.	.	PUNCT
abrj-454	45	1	this	this	DET
abrj-454	45	2	theoretical	theoretical	ADJ
abrj-454	45	3	lens	lens	NOUN
abrj-454	45	4	emphasises	emphasise	VERB
abrj-454	45	5	the	the	DET
abrj-454	45	6	importance	importance	NOUN
abrj-454	45	7	of	of	ADP
abrj-454	45	8	examining	examine	VERB
abrj-454	45	9	how	how	SCONJ
abrj-454	45	10	traditional	traditional	ADJ
abrj-454	45	11	financial	financial	ADJ
abrj-454	45	12	attitudes	attitude	NOUN
abrj-454	45	13	and	and	CCONJ
abrj-454	45	14	practices	practice	NOUN
abrj-454	45	15	interact	interact	VERB
abrj-454	45	16	with	with	ADP
abrj-454	45	17	novel	novel	ADJ
abrj-454	45	18	digital	digital	ADJ
abrj-454	45	19	platforms	platform	NOUN
abrj-454	45	20	.	.	PUNCT
abrj-454	46	1	the	the	DET
abrj-454	46	2	measurement	measurement	NOUN
abrj-454	46	3	of	of	ADP
abrj-454	46	4	financial	financial	ADJ
abrj-454	46	5	literacy	literacy	NOUN
abrj-454	46	6	has	have	AUX
abrj-454	46	7	itself	itself	PRON
abrj-454	46	8	generated	generate	VERB
abrj-454	46	9	significant	significant	ADJ
abrj-454	46	10	theoretical	theoretical	ADJ
abrj-454	46	11	development	development	NOUN
abrj-454	46	12	.	.	PUNCT
abrj-454	47	1	early	early	ADJ
abrj-454	47	2	measurement	measurement	NOUN
abrj-454	47	3	approaches	approach	NOUN
abrj-454	47	4	focused	focus	VERB
abrj-454	47	5	predominantly	predominantly	ADV
abrj-454	47	6	on	on	ADP
abrj-454	47	7	objectively	objectively	ADV
abrj-454	47	8	verifiable	verifiable	ADJ
abrj-454	47	9	knowledge	knowledge	NOUN
abrj-454	47	10	(	(	PUNCT
abrj-454	47	11	lusardi	lusardi	PROPN
abrj-454	47	12	&	&	CCONJ
abrj-454	47	13	mitchell	mitchell	PROPN
abrj-454	47	14	,	,	PUNCT
abrj-454	47	15	2011	2011	NUM
abrj-454	47	16	)	)	PUNCT
abrj-454	47	17	,	,	PUNCT
abrj-454	47	18	whereas	whereas	SCONJ
abrj-454	47	19	contemporary	contemporary	ADJ
abrj-454	47	20	theoretical	theoretical	ADJ
abrj-454	47	21	frameworks	framework	NOUN
abrj-454	47	22	emphasise	emphasise	VERB
abrj-454	47	23	the	the	DET
abrj-454	47	24	importance	importance	NOUN
abrj-454	47	25	of	of	ADP
abrj-454	47	26	measuring	measure	VERB
abrj-454	47	27	subjective	subjective	ADJ
abrj-454	47	28	dimensions	dimension	NOUN
abrj-454	47	29	including	include	VERB
abrj-454	47	30	financial	financial	ADJ
abrj-454	47	31	attitudes	attitude	NOUN
abrj-454	47	32	,	,	PUNCT
abrj-454	47	33	behavioural	behavioural	ADJ
abrj-454	47	34	intentions	intention	NOUN
abrj-454	47	35	,	,	PUNCT
abrj-454	47	36	and	and	CCONJ
abrj-454	47	37	perceived	perceive	VERB
abrj-454	47	38	self	self	NOUN
abrj-454	47	39	-	-	PUNCT
abrj-454	47	40	efficacy	efficacy	NOUN
abrj-454	47	41	(	(	PUNCT
abrj-454	47	42	atkinson	atkinson	PROPN
abrj-454	47	43	&	&	CCONJ
abrj-454	47	44	messy	messy	PROPN
abrj-454	47	45	,	,	PUNCT
abrj-454	47	46	2012	2012	NUM
abrj-454	47	47	)	)	PUNCT
abrj-454	47	48	.	.	PUNCT
abrj-454	48	1	this	this	DET
abrj-454	48	2	measurement	measurement	NOUN
abrj-454	48	3	evolution	evolution	NOUN
abrj-454	48	4	reflects	reflect	VERB
abrj-454	48	5	the	the	DET
abrj-454	48	6	theoretical	theoretical	ADJ
abrj-454	48	7	recognition	recognition	NOUN
abrj-454	48	8	that	that	SCONJ
abrj-454	48	9	effective	effective	ADJ
abrj-454	48	10	financial	financial	ADJ
abrj-454	48	11	decision	decision	NOUN
abrj-454	48	12	-	-	PUNCT
abrj-454	48	13	making	making	NOUN
abrj-454	48	14	requires	require	VERB
abrj-454	48	15	not	not	PART
abrj-454	48	16	merely	merely	ADV
abrj-454	48	17	knowledge	knowledge	NOUN
abrj-454	48	18	acquisition	acquisition	NOUN
abrj-454	48	19	but	but	CCONJ
abrj-454	48	20	also	also	ADV
abrj-454	48	21	behavioural	behavioural	ADJ
abrj-454	48	22	application	application	NOUN
abrj-454	48	23	—	—	PUNCT
abrj-454	48	24	a	a	DET
abrj-454	48	25	distinction	distinction	NOUN
abrj-454	48	26	with	with	ADP
abrj-454	48	27	significant	significant	ADJ
abrj-454	48	28	implications	implication	NOUN
abrj-454	48	29	for	for	ADP
abrj-454	48	30	digital	digital	ADJ
abrj-454	48	31	environments	environment	NOUN
abrj-454	48	32	where	where	SCONJ
abrj-454	48	33	decision	decision	NOUN
abrj-454	48	34	conditions	condition	NOUN
abrj-454	48	35	differ	differ	VERB
abrj-454	48	36	substantially	substantially	ADV
abrj-454	48	37	from	from	ADP
abrj-454	48	38	traditional	traditional	ADJ
abrj-454	48	39	contexts	contexts	NOUN
abrj-454	48	40	.	.	PUNCT
abrj-454	49	1	2.1.2	2.1.2	X
abrj-454	49	2	.	.	PUNCT
abrj-454	49	3	technology	technology	NOUN
abrj-454	49	4	acceptance	acceptance	NOUN
abrj-454	49	5	and	and	CCONJ
abrj-454	49	6	digital	digital	ADJ
abrj-454	49	7	consumer	consumer	NOUN
abrj-454	49	8	behaviour	behaviour	NOUN
abrj-454	49	9	theories	theory	NOUN
abrj-454	49	10	technology	technology	NOUN
abrj-454	49	11	acceptance	acceptance	NOUN
abrj-454	49	12	theory	theory	NOUN
abrj-454	49	13	provides	provide	VERB
abrj-454	49	14	the	the	DET
abrj-454	49	15	second	second	ADJ
abrj-454	49	16	core	core	NOUN
abrj-454	49	17	theoretical	theoretical	ADJ
abrj-454	49	18	foundation	foundation	NOUN
abrj-454	49	19	for	for	ADP
abrj-454	49	20	examining	examine	VERB
abrj-454	49	21	consumer	consumer	NOUN
abrj-454	49	22	behaviour	behaviour	NOUN
abrj-454	49	23	within	within	ADP
abrj-454	49	24	digital	digital	ADJ
abrj-454	49	25	lending	lending	NOUN
abrj-454	49	26	platforms	platform	NOUN
abrj-454	49	27	.	.	PUNCT
abrj-454	50	1	the	the	DET
abrj-454	50	2	technology	technology	NOUN
abrj-454	50	3	acceptance	acceptance	NOUN
abrj-454	50	4	model	model	NOUN
abrj-454	50	5	(	(	PUNCT
abrj-454	50	6	tam	tam	PROPN
abrj-454	50	7	)	)	PUNCT
abrj-454	50	8	,	,	PUNCT
abrj-454	50	9	initially	initially	ADV
abrj-454	50	10	proposed	propose	VERB
abrj-454	50	11	by	by	ADP
abrj-454	50	12	davis	davis	PROPN
abrj-454	50	13	(	(	PUNCT
abrj-454	50	14	1989	1989	NUM
abrj-454	50	15	)	)	PUNCT
abrj-454	50	16	,	,	PUNCT
abrj-454	50	17	identifies	identify	VERB
abrj-454	50	18	perceived	perceive	VERB
abrj-454	50	19	usefulness	usefulness	NOUN
abrj-454	50	20	and	and	CCONJ
abrj-454	50	21	perceived	perceive	VERB
abrj-454	50	22	ease	ease	NOUN
abrj-454	50	23	of	of	ADP
abrj-454	50	24	use	use	NOUN
abrj-454	50	25	as	as	ADP
abrj-454	50	26	the	the	DET
abrj-454	50	27	primary	primary	ADJ
abrj-454	50	28	determinants	determinant	NOUN
abrj-454	50	29	of	of	ADP
abrj-454	50	30	technology	technology	NOUN
abrj-454	50	31	adoption	adoption	NOUN
abrj-454	50	32	,	,	PUNCT
abrj-454	50	33	mediated	mediate	VERB
abrj-454	50	34	by	by	ADP
abrj-454	50	35	attitudinal	attitudinal	ADJ
abrj-454	50	36	factors	factor	NOUN
abrj-454	50	37	and	and	CCONJ
abrj-454	50	38	behavioural	behavioural	ADJ
abrj-454	50	39	intentions	intention	NOUN
abrj-454	50	40	.	.	PUNCT
abrj-454	51	1	this	this	DET
abrj-454	51	2	theoretical	theoretical	ADJ
abrj-454	51	3	framework	framework	NOUN
abrj-454	51	4	has	have	AUX
abrj-454	51	5	demonstrated	demonstrate	VERB
abrj-454	51	6	robust	robust	ADJ
abrj-454	51	7	explanatory	explanatory	ADJ
abrj-454	51	8	power	power	NOUN
abrj-454	51	9	across	across	ADP
abrj-454	51	10	diverse	diverse	ADJ
abrj-454	51	11	technological	technological	ADJ
abrj-454	51	12	contexts	context	NOUN
abrj-454	51	13	but	but	CCONJ
abrj-454	51	14	requires	require	VERB
abrj-454	51	15	domain	domain	NOUN
abrj-454	51	16	-	-	PUNCT
abrj-454	51	17	specific	specific	ADJ
abrj-454	51	18	augmentation	augmentation	NOUN
abrj-454	51	19	to	to	PART
abrj-454	51	20	fully	fully	ADV
abrj-454	51	21	capture	capture	VERB
abrj-454	51	22	financial	financial	ADJ
abrj-454	51	23	technology	technology	NOUN
abrj-454	51	24	acceptance	acceptance	NOUN
abrj-454	51	25	(	(	PUNCT
abrj-454	51	26	venkatesh	venkatesh	PROPN
abrj-454	51	27	&	&	CCONJ
abrj-454	51	28	bala	bala	PROPN
abrj-454	51	29	,	,	PUNCT
abrj-454	51	30	2008	2008	NUM
abrj-454	51	31	)	)	PUNCT
abrj-454	51	32	.	.	PUNCT
abrj-454	52	1	the	the	DET
abrj-454	52	2	unified	unified	ADJ
abrj-454	52	3	theory	theory	NOUN
abrj-454	52	4	of	of	ADP
abrj-454	52	5	acceptance	acceptance	NOUN
abrj-454	52	6	and	and	CCONJ
abrj-454	52	7	use	use	NOUN
abrj-454	52	8	of	of	ADP
abrj-454	52	9	technology	technology	NOUN
abrj-454	52	10	(	(	PUNCT
abrj-454	52	11	utaut	utaut	NOUN
abrj-454	52	12	)	)	PUNCT
abrj-454	52	13	,	,	PUNCT
abrj-454	52	14	developed	develop	VERB
abrj-454	52	15	by	by	ADP
abrj-454	52	16	venkatesh	venkatesh	PROPN
abrj-454	52	17	et	et	PROPN
abrj-454	52	18	al	al	PROPN
abrj-454	52	19	.	.	PROPN
abrj-454	52	20	(	(	PUNCT
abrj-454	52	21	2003	2003	NUM
abrj-454	52	22	)	)	PUNCT
abrj-454	52	23	,	,	PUNCT
abrj-454	52	24	represents	represent	VERB
abrj-454	52	25	a	a	DET
abrj-454	52	26	significant	significant	ADJ
abrj-454	52	27	theoretical	theoretical	ADJ
abrj-454	52	28	advancement	advancement	NOUN
abrj-454	52	29	by	by	ADP
abrj-454	52	30	integrating	integrate	VERB
abrj-454	52	31	multiple	multiple	ADJ
abrj-454	52	32	theoretical	theoretical	ADJ
abrj-454	52	33	perspectives	perspective	NOUN
abrj-454	52	34	into	into	ADP
abrj-454	52	35	a	a	DET
abrj-454	52	36	unified	unified	ADJ
abrj-454	52	37	framework	framework	NOUN
abrj-454	52	38	.	.	PUNCT
abrj-454	53	1	this	this	DET
abrj-454	53	2	model	model	NOUN
abrj-454	53	3	identifies	identify	VERB
abrj-454	53	4	performance	performance	NOUN
abrj-454	53	5	expectancy	expectancy	NOUN
abrj-454	53	6	,	,	PUNCT
abrj-454	53	7	effort	effort	NOUN
abrj-454	53	8	expectancy	expectancy	NOUN
abrj-454	53	9	,	,	PUNCT
abrj-454	53	10	social	social	ADJ
abrj-454	53	11	influence	influence	NOUN
abrj-454	53	12	,	,	PUNCT
abrj-454	53	13	and	and	CCONJ
abrj-454	53	14	facilitating	facilitate	VERB
abrj-454	53	15	conditions	condition	NOUN
abrj-454	53	16	as	as	ADP
abrj-454	53	17	core	core	NOUN
abrj-454	53	18	determinants	determinant	NOUN
abrj-454	53	19	of	of	ADP
abrj-454	53	20	technology	technology	NOUN
abrj-454	53	21	adoption	adoption	NOUN
abrj-454	53	22	intentions	intention	NOUN
abrj-454	53	23	.	.	PUNCT
abrj-454	54	1	within	within	ADP
abrj-454	54	2	fintech	fintech	NOUN
abrj-454	54	3	contexts	context	NOUN
abrj-454	54	4	specifically	specifically	ADV
abrj-454	54	5	,	,	PUNCT
abrj-454	54	6	the	the	DET
abrj-454	54	7	utaut	utaut	NOUN
abrj-454	54	8	framework	framework	NOUN
abrj-454	54	9	has	have	AUX
abrj-454	54	10	been	be	AUX
abrj-454	54	11	extended	extend	VERB
abrj-454	54	12	to	to	PART
abrj-454	54	13	incorporate	incorporate	VERB
abrj-454	54	14	additional	additional	ADJ
abrj-454	54	15	constructs	construct	NOUN
abrj-454	54	16	including	include	VERB
abrj-454	54	17	perceived	perceive	VERB
abrj-454	54	18	trust	trust	NOUN
abrj-454	54	19	,	,	PUNCT
abrj-454	54	20	perceived	perceive	VERB
abrj-454	54	21	risk	risk	NOUN
abrj-454	54	22	,	,	PUNCT
abrj-454	54	23	and	and	CCONJ
abrj-454	54	24	perceived	perceive	VERB
abrj-454	54	25	security	security	NOUN
abrj-454	54	26	—	—	PUNCT
abrj-454	54	27	factors	factor	NOUN
abrj-454	54	28	particularly	particularly	ADV
abrj-454	54	29	salient	salient	ADJ
abrj-454	54	30	within	within	ADP
abrj-454	54	31	lending	lending	NOUN
abrj-454	54	32	platforms	platform	NOUN
abrj-454	54	33	where	where	SCONJ
abrj-454	54	34	financial	financial	ADJ
abrj-454	54	35	vulnerability	vulnerability	NOUN
abrj-454	54	36	is	be	AUX
abrj-454	54	37	inherent	inherent	ADJ
abrj-454	54	38	(	(	PUNCT
abrj-454	54	39	slade	slade	PROPN
abrj-454	54	40	et	et	PROPN
abrj-454	54	41	al	al	PROPN
abrj-454	54	42	.	.	PROPN
abrj-454	54	43	,	,	PUNCT
abrj-454	54	44	2015	2015	NUM
abrj-454	54	45	)	)	PUNCT
abrj-454	54	46	.	.	PUNCT
abrj-454	55	1	these	these	DET
abrj-454	55	2	technology	technology	NOUN
abrj-454	55	3	acceptance	acceptance	NOUN
abrj-454	55	4	models	model	NOUN
abrj-454	55	5	have	have	AUX
abrj-454	55	6	undergone	undergo	VERB
abrj-454	55	7	further	further	ADJ
abrj-454	55	8	theoretical	theoretical	ADJ
abrj-454	55	9	refinement	refinement	NOUN
abrj-454	55	10	through	through	ADP
abrj-454	55	11	integration	integration	NOUN
abrj-454	55	12	with	with	ADP
abrj-454	55	13	innovation	innovation	NOUN
abrj-454	55	14	diffusion	diffusion	NOUN
abrj-454	55	15	theory	theory	NOUN
abrj-454	55	16	(	(	PUNCT
abrj-454	55	17	rogers	roger	NOUN
abrj-454	55	18	,	,	PUNCT
abrj-454	55	19	2003	2003	NUM
abrj-454	55	20	)	)	PUNCT
abrj-454	55	21	,	,	PUNCT
abrj-454	55	22	which	which	PRON
abrj-454	55	23	classifies	classify	VERB
abrj-454	55	24	adopters	adopter	NOUN
abrj-454	55	25	according	accord	VERB
abrj-454	55	26	to	to	ADP
abrj-454	55	27	their	their	PRON
abrj-454	55	28	temporal	temporal	ADJ
abrj-454	55	29	relationship	relationship	NOUN
abrj-454	55	30	with	with	ADP
abrj-454	55	31	asian	asian	ADJ
abrj-454	55	32	business	business	NOUN
abrj-454	55	33	research	research	NOUN
abrj-454	55	34	journal	journal	NOUN
abrj-454	55	35	,	,	PUNCT
abrj-454	55	36	2025	2025	NUM
abrj-454	55	37	,	,	PUNCT
abrj-454	55	38	10(5	10(5	NUM
abrj-454	55	39	):	):	PUNCT
abrj-454	55	40	106	106	NUM
abrj-454	55	41	-	-	SYM
abrj-454	55	42	119	119	NUM
abrj-454	55	43	108	108	NUM
abrj-454	55	44	©	©	PROPN
abrj-454	55	45	2025	2025	NUM
abrj-454	55	46	by	by	ADP
abrj-454	55	47	the	the	DET
abrj-454	55	48	author	author	NOUN
abrj-454	55	49	;	;	PUNCT
abrj-454	55	50	licensee	licensee	NOUN
abrj-454	55	51	eastern	eastern	ADJ
abrj-454	55	52	centre	centre	NOUN
abrj-454	55	53	of	of	ADP
abrj-454	55	54	science	science	NOUN
abrj-454	55	55	and	and	CCONJ
abrj-454	55	56	education	education	NOUN
abrj-454	55	57	,	,	PUNCT
abrj-454	55	58	usa	usa	PROPN
abrj-454	55	59	innovation	innovation	PROPN
abrj-454	55	60	.	.	PUNCT
abrj-454	56	1	this	this	DET
abrj-454	56	2	theoretical	theoretical	ADJ
abrj-454	56	3	integration	integration	NOUN
abrj-454	56	4	proves	prove	VERB
abrj-454	56	5	particularly	particularly	ADV
abrj-454	56	6	relevant	relevant	ADJ
abrj-454	56	7	within	within	ADP
abrj-454	56	8	the	the	DET
abrj-454	56	9	vietnamese	vietnamese	ADJ
abrj-454	56	10	context	context	NOUN
abrj-454	56	11	,	,	PUNCT
abrj-454	56	12	where	where	SCONJ
abrj-454	56	13	digital	digital	ADJ
abrj-454	56	14	lending	lending	NOUN
abrj-454	56	15	platforms	platform	NOUN
abrj-454	56	16	remain	remain	VERB
abrj-454	56	17	in	in	ADP
abrj-454	56	18	the	the	DET
abrj-454	56	19	early	early	ADJ
abrj-454	56	20	adoption	adoption	NOUN
abrj-454	56	21	phase	phase	NOUN
abrj-454	56	22	,	,	PUNCT
abrj-454	56	23	suggesting	suggest	VERB
abrj-454	56	24	that	that	SCONJ
abrj-454	56	25	current	current	ADJ
abrj-454	56	26	users	user	NOUN
abrj-454	56	27	may	may	AUX
abrj-454	56	28	demonstrate	demonstrate	VERB
abrj-454	56	29	systematically	systematically	ADV
abrj-454	56	30	different	different	ADJ
abrj-454	56	31	characteristics	characteristic	NOUN
abrj-454	56	32	from	from	ADP
abrj-454	56	33	the	the	DET
abrj-454	56	34	broader	broad	ADJ
abrj-454	56	35	population	population	NOUN
abrj-454	56	36	(	(	PUNCT
abrj-454	56	37	lee	lee	PROPN
abrj-454	56	38	&	&	CCONJ
abrj-454	56	39	shin	shin	PROPN
abrj-454	56	40	,	,	PUNCT
abrj-454	56	41	2018	2018	NUM
abrj-454	56	42	)	)	PUNCT
abrj-454	56	43	.	.	PUNCT
abrj-454	57	1	innovation	innovation	NOUN
abrj-454	57	2	diffusion	diffusion	NOUN
abrj-454	57	3	theory	theory	NOUN
abrj-454	57	4	further	far	ADV
abrj-454	57	5	emphasises	emphasise	VERB
abrj-454	57	6	the	the	DET
abrj-454	57	7	importance	importance	NOUN
abrj-454	57	8	of	of	ADP
abrj-454	57	9	perceived	perceive	VERB
abrj-454	57	10	attributes	attribute	NOUN
abrj-454	57	11	including	include	VERB
abrj-454	57	12	relative	relative	ADJ
abrj-454	57	13	advantage	advantage	NOUN
abrj-454	57	14	,	,	PUNCT
abrj-454	57	15	compatibility	compatibility	NOUN
abrj-454	57	16	,	,	PUNCT
abrj-454	57	17	complexity	complexity	NOUN
abrj-454	57	18	,	,	PUNCT
abrj-454	57	19	trialability	trialability	NOUN
abrj-454	57	20	,	,	PUNCT
abrj-454	57	21	and	and	CCONJ
abrj-454	57	22	observability	observability	NOUN
abrj-454	57	23	—	—	PUNCT
abrj-454	57	24	constructs	construct	VERB
abrj-454	57	25	that	that	PRON
abrj-454	57	26	complement	complement	VERB
abrj-454	57	27	traditional	traditional	ADJ
abrj-454	57	28	technology	technology	NOUN
abrj-454	57	29	acceptance	acceptance	NOUN
abrj-454	57	30	models	model	NOUN
abrj-454	57	31	(	(	PUNCT
abrj-454	57	32	moore	moore	PROPN
abrj-454	57	33	&	&	CCONJ
abrj-454	57	34	benbasat	benbasat	PROPN
abrj-454	57	35	,	,	PUNCT
abrj-454	57	36	1991	1991	NUM
abrj-454	57	37	)	)	PUNCT
abrj-454	57	38	.	.	PUNCT
abrj-454	58	1	the	the	DET
abrj-454	58	2	behavioural	behavioural	ADJ
abrj-454	58	3	economics	economic	NOUN
abrj-454	58	4	of	of	ADP
abrj-454	58	5	technology	technology	NOUN
abrj-454	58	6	usage	usage	NOUN
abrj-454	58	7	has	have	AUX
abrj-454	58	8	emerged	emerge	VERB
abrj-454	58	9	as	as	ADP
abrj-454	58	10	a	a	DET
abrj-454	58	11	crucial	crucial	ADJ
abrj-454	58	12	theoretical	theoretical	ADJ
abrj-454	58	13	extension	extension	NOUN
abrj-454	58	14	to	to	ADP
abrj-454	58	15	traditional	traditional	ADJ
abrj-454	58	16	acceptance	acceptance	NOUN
abrj-454	58	17	models	model	NOUN
abrj-454	58	18	.	.	PUNCT
abrj-454	59	1	as	as	SCONJ
abrj-454	59	2	articulated	articulate	VERB
abrj-454	59	3	by	by	ADP
abrj-454	59	4	benartzi	benartzi	NOUN
abrj-454	59	5	and	and	CCONJ
abrj-454	59	6	lehrer	lehrer	NOUN
abrj-454	59	7	(	(	PUNCT
abrj-454	59	8	2015	2015	NUM
abrj-454	59	9	)	)	PUNCT
abrj-454	59	10	,	,	PUNCT
abrj-454	59	11	digital	digital	ADJ
abrj-454	59	12	decision	decision	NOUN
abrj-454	59	13	environments	environment	NOUN
abrj-454	59	14	create	create	VERB
abrj-454	59	15	distinctive	distinctive	ADJ
abrj-454	59	16	cognitive	cognitive	ADJ
abrj-454	59	17	conditions	condition	NOUN
abrj-454	59	18	that	that	PRON
abrj-454	59	19	systematically	systematically	ADV
abrj-454	59	20	influence	influence	VERB
abrj-454	59	21	decision	decision	NOUN
abrj-454	59	22	processes	process	NOUN
abrj-454	59	23	,	,	PUNCT
abrj-454	59	24	often	often	ADV
abrj-454	59	25	in	in	ADP
abrj-454	59	26	ways	way	NOUN
abrj-454	59	27	that	that	PRON
abrj-454	59	28	deviate	deviate	VERB
abrj-454	59	29	from	from	ADP
abrj-454	59	30	rational	rational	ADJ
abrj-454	59	31	choice	choice	NOUN
abrj-454	59	32	models	model	NOUN
abrj-454	59	33	.	.	PUNCT
abrj-454	60	1	these	these	DET
abrj-454	60	2	theoretical	theoretical	ADJ
abrj-454	60	3	developments	development	NOUN
abrj-454	60	4	emphasise	emphasise	VERB
abrj-454	60	5	how	how	SCONJ
abrj-454	60	6	digital	digital	ADJ
abrj-454	60	7	interfaces	interface	NOUN
abrj-454	60	8	can	can	AUX
abrj-454	60	9	exploit	exploit	VERB
abrj-454	60	10	attentional	attentional	ADJ
abrj-454	60	11	limitations	limitation	NOUN
abrj-454	60	12	,	,	PUNCT
abrj-454	60	13	frame	frame	NOUN
abrj-454	60	14	choices	choice	NOUN
abrj-454	60	15	to	to	PART
abrj-454	60	16	emphasise	emphasise	VERB
abrj-454	60	17	certain	certain	ADJ
abrj-454	60	18	attributes	attribute	NOUN
abrj-454	60	19	,	,	PUNCT
abrj-454	60	20	and	and	CCONJ
abrj-454	60	21	utilise	utilise	VERB
abrj-454	60	22	social	social	ADJ
abrj-454	60	23	proof	proof	NOUN
abrj-454	60	24	mechanisms	mechanism	NOUN
abrj-454	60	25	to	to	ADP
abrj-454	60	26	influence	influence	NOUN
abrj-454	60	27	behaviour	behaviour	NOUN
abrj-454	60	28	.	.	PUNCT
abrj-454	61	1	within	within	ADP
abrj-454	61	2	digital	digital	ADJ
abrj-454	61	3	lending	lending	NOUN
abrj-454	61	4	contexts	context	NOUN
abrj-454	61	5	specifically	specifically	ADV
abrj-454	61	6	,	,	PUNCT
abrj-454	61	7	these	these	DET
abrj-454	61	8	interface	interface	NOUN
abrj-454	61	9	characteristics	characteristic	NOUN
abrj-454	61	10	may	may	AUX
abrj-454	61	11	interact	interact	VERB
abrj-454	61	12	with	with	ADP
abrj-454	61	13	financial	financial	ADJ
abrj-454	61	14	literacy	literacy	NOUN
abrj-454	61	15	levels	level	NOUN
abrj-454	61	16	to	to	PART
abrj-454	61	17	produce	produce	VERB
abrj-454	61	18	distinctive	distinctive	ADJ
abrj-454	61	19	behavioural	behavioural	ADJ
abrj-454	61	20	outcomes	outcome	NOUN
abrj-454	61	21	(	(	PUNCT
abrj-454	61	22	benartzi	benartzi	NOUN
abrj-454	61	23	,	,	PUNCT
abrj-454	61	24	2015	2015	NUM
abrj-454	61	25	)	)	PUNCT
abrj-454	61	26	.	.	PUNCT
abrj-454	62	1	trust	trust	NOUN
abrj-454	62	2	theory	theory	NOUN
abrj-454	62	3	represents	represent	VERB
abrj-454	62	4	another	another	DET
abrj-454	62	5	critical	critical	ADJ
abrj-454	62	6	theoretical	theoretical	ADJ
abrj-454	62	7	foundation	foundation	NOUN
abrj-454	62	8	for	for	ADP
abrj-454	62	9	understanding	understand	VERB
abrj-454	62	10	digital	digital	ADJ
abrj-454	62	11	financial	financial	ADJ
abrj-454	62	12	behaviour	behaviour	NOUN
abrj-454	62	13	.	.	PUNCT
abrj-454	63	1	gefen	gefen	NOUN
abrj-454	63	2	et	et	PROPN
abrj-454	63	3	al	al	PROPN
abrj-454	63	4	.	.	PROPN
abrj-454	64	1	(	(	PUNCT
abrj-454	64	2	2003	2003	NUM
abrj-454	64	3	)	)	PUNCT
abrj-454	64	4	established	establish	VERB
abrj-454	64	5	the	the	DET
abrj-454	64	6	multidimensional	multidimensional	ADJ
abrj-454	64	7	nature	nature	NOUN
abrj-454	64	8	of	of	ADP
abrj-454	64	9	online	online	PROPN
abrj-454	64	10	trust	trust	NOUN
abrj-454	64	11	,	,	PUNCT
abrj-454	64	12	distinguishing	distinguish	VERB
abrj-454	64	13	between	between	ADP
abrj-454	64	14	institutionbased	institutionbased	ADJ
abrj-454	64	15	trust	trust	NOUN
abrj-454	64	16	(	(	PUNCT
abrj-454	64	17	derived	derive	VERB
abrj-454	64	18	from	from	ADP
abrj-454	64	19	structural	structural	ADJ
abrj-454	64	20	assurances	assurance	NOUN
abrj-454	64	21	)	)	PUNCT
abrj-454	64	22	,	,	PUNCT
abrj-454	64	23	calculative	calculative	ADJ
abrj-454	64	24	-	-	PUNCT
abrj-454	64	25	based	base	VERB
abrj-454	64	26	trust	trust	NOUN
abrj-454	64	27	(	(	PUNCT
abrj-454	64	28	derived	derive	VERB
abrj-454	64	29	from	from	ADP
abrj-454	64	30	rational	rational	ADJ
abrj-454	64	31	assessment	assessment	NOUN
abrj-454	64	32	of	of	ADP
abrj-454	64	33	trustworthiness	trustworthiness	NOUN
abrj-454	64	34	)	)	PUNCT
abrj-454	64	35	,	,	PUNCT
abrj-454	64	36	and	and	CCONJ
abrj-454	64	37	knowledge	knowledge	NOUN
abrj-454	64	38	-	-	PUNCT
abrj-454	64	39	based	base	VERB
abrj-454	64	40	trust	trust	NOUN
abrj-454	64	41	(	(	PUNCT
abrj-454	64	42	derived	derive	VERB
abrj-454	64	43	from	from	ADP
abrj-454	64	44	familiarity	familiarity	NOUN
abrj-454	64	45	)	)	PUNCT
abrj-454	64	46	.	.	PUNCT
abrj-454	65	1	within	within	ADP
abrj-454	65	2	p2p	p2p	NOUN
abrj-454	65	3	lending	lend	VERB
abrj-454	65	4	specifically	specifically	ADV
abrj-454	65	5	,	,	PUNCT
abrj-454	65	6	greiner	greiner	PROPN
abrj-454	65	7	and	and	CCONJ
abrj-454	65	8	wang	wang	PROPN
abrj-454	65	9	(	(	PUNCT
abrj-454	65	10	2010	2010	NUM
abrj-454	65	11	)	)	PUNCT
abrj-454	65	12	demonstrated	demonstrate	VERB
abrj-454	65	13	how	how	SCONJ
abrj-454	65	14	trust	trust	NOUN
abrj-454	65	15	mechanisms	mechanism	NOUN
abrj-454	65	16	including	include	VERB
abrj-454	65	17	reputation	reputation	NOUN
abrj-454	65	18	systems	system	NOUN
abrj-454	65	19	,	,	PUNCT
abrj-454	65	20	historical	historical	ADJ
abrj-454	65	21	performance	performance	NOUN
abrj-454	65	22	metrics	metric	NOUN
abrj-454	65	23	,	,	PUNCT
abrj-454	65	24	and	and	CCONJ
abrj-454	65	25	social	social	ADJ
abrj-454	65	26	network	network	NOUN
abrj-454	65	27	verification	verification	NOUN
abrj-454	65	28	function	function	NOUN
abrj-454	65	29	as	as	ADP
abrj-454	65	30	critical	critical	ADJ
abrj-454	65	31	determinants	determinant	NOUN
abrj-454	65	32	of	of	ADP
abrj-454	65	33	platform	platform	NOUN
abrj-454	65	34	engagement	engagement	NOUN
abrj-454	65	35	.	.	PUNCT
abrj-454	66	1	the	the	DET
abrj-454	66	2	theoretical	theoretical	ADJ
abrj-454	66	3	intersection	intersection	NOUN
abrj-454	66	4	between	between	ADP
abrj-454	66	5	trust	trust	NOUN
abrj-454	66	6	formation	formation	NOUN
abrj-454	66	7	processes	process	NOUN
abrj-454	66	8	and	and	CCONJ
abrj-454	66	9	financial	financial	ADJ
abrj-454	66	10	literacy	literacy	NOUN
abrj-454	66	11	remains	remain	VERB
abrj-454	66	12	underspecified	underspecified	ADJ
abrj-454	66	13	,	,	PUNCT
abrj-454	66	14	representing	represent	VERB
abrj-454	66	15	a	a	DET
abrj-454	66	16	critical	critical	ADJ
abrj-454	66	17	gap	gap	NOUN
abrj-454	66	18	addressed	address	VERB
abrj-454	66	19	by	by	ADP
abrj-454	66	20	the	the	DET
abrj-454	66	21	present	present	ADJ
abrj-454	66	22	research	research	NOUN
abrj-454	66	23	.	.	PUNCT
abrj-454	67	1	notably	notably	ADV
abrj-454	67	2	,	,	PUNCT
abrj-454	67	3	consumer	consumer	NOUN
abrj-454	67	4	behaviour	behaviour	NOUN
abrj-454	67	5	within	within	ADP
abrj-454	67	6	digital	digital	ADJ
abrj-454	67	7	financial	financial	ADJ
abrj-454	67	8	environments	environment	NOUN
abrj-454	67	9	draws	draw	VERB
abrj-454	67	10	theoretical	theoretical	ADJ
abrj-454	67	11	insights	insight	NOUN
abrj-454	67	12	from	from	ADP
abrj-454	67	13	information	information	NOUN
abrj-454	67	14	asymmetry	asymmetry	NOUN
abrj-454	67	15	theory	theory	NOUN
abrj-454	67	16	(	(	PUNCT
abrj-454	67	17	akerlof	akerlof	NOUN
abrj-454	67	18	,	,	PUNCT
abrj-454	67	19	1970	1970	NUM
abrj-454	67	20	)	)	PUNCT
abrj-454	67	21	.	.	PUNCT
abrj-454	68	1	p2p	p2p	NOUN
abrj-454	68	2	lending	lending	NOUN
abrj-454	68	3	platforms	platform	NOUN
abrj-454	68	4	create	create	VERB
abrj-454	68	5	novel	novel	ADJ
abrj-454	68	6	information	information	NOUN
abrj-454	68	7	structures	structure	NOUN
abrj-454	68	8	that	that	PRON
abrj-454	68	9	differ	differ	VERB
abrj-454	68	10	substantively	substantively	ADV
abrj-454	68	11	from	from	ADP
abrj-454	68	12	traditional	traditional	ADJ
abrj-454	68	13	banking	banking	NOUN
abrj-454	68	14	environments	environment	NOUN
abrj-454	68	15	,	,	PUNCT
abrj-454	68	16	redistributing	redistribute	VERB
abrj-454	68	17	information	information	NOUN
abrj-454	68	18	across	across	ADP
abrj-454	68	19	platform	platform	NOUN
abrj-454	68	20	participants	participant	NOUN
abrj-454	68	21	and	and	CCONJ
abrj-454	68	22	creating	create	VERB
abrj-454	68	23	new	new	ADJ
abrj-454	68	24	forms	form	NOUN
abrj-454	68	25	of	of	ADP
abrj-454	68	26	information	information	NOUN
abrj-454	68	27	asymmetry	asymmetry	NOUN
abrj-454	68	28	(	(	PUNCT
abrj-454	68	29	lin	lin	PROPN
abrj-454	68	30	et	et	PROPN
abrj-454	68	31	al	al	PROPN
abrj-454	68	32	.	.	PROPN
abrj-454	68	33	,	,	PUNCT
abrj-454	68	34	2013	2013	NUM
abrj-454	68	35	)	)	PUNCT
abrj-454	68	36	.	.	PUNCT
abrj-454	69	1	the	the	DET
abrj-454	69	2	interaction	interaction	NOUN
abrj-454	69	3	between	between	ADP
abrj-454	69	4	financial	financial	ADJ
abrj-454	69	5	literacy	literacy	NOUN
abrj-454	69	6	and	and	CCONJ
abrj-454	69	7	these	these	DET
abrj-454	69	8	novel	novel	ADJ
abrj-454	69	9	information	information	NOUN
abrj-454	69	10	structures	structure	NOUN
abrj-454	69	11	remains	remain	VERB
abrj-454	69	12	theoretically	theoretically	ADV
abrj-454	69	13	underdeveloped	underdeveloped	ADJ
abrj-454	69	14	,	,	PUNCT
abrj-454	69	15	particularly	particularly	ADV
abrj-454	69	16	regarding	regard	VERB
abrj-454	69	17	how	how	SCONJ
abrj-454	69	18	varying	varying	ADJ
abrj-454	69	19	levels	level	NOUN
abrj-454	69	20	of	of	ADP
abrj-454	69	21	financial	financial	ADJ
abrj-454	69	22	sophistication	sophistication	NOUN
abrj-454	69	23	condition	condition	NOUN
abrj-454	69	24	information	information	NOUN
abrj-454	69	25	processing	processing	NOUN
abrj-454	69	26	within	within	ADP
abrj-454	69	27	these	these	DET
abrj-454	69	28	environments	environment	NOUN
abrj-454	69	29	.	.	PUNCT
abrj-454	70	1	self	self	NOUN
abrj-454	70	2	-	-	PUNCT
abrj-454	70	3	determination	determination	NOUN
abrj-454	70	4	theory	theory	NOUN
abrj-454	70	5	(	(	PUNCT
abrj-454	70	6	ryan	ryan	PROPN
abrj-454	70	7	&	&	CCONJ
abrj-454	70	8	deci	deci	PROPN
abrj-454	70	9	,	,	PUNCT
abrj-454	70	10	2000	2000	NUM
abrj-454	70	11	)	)	PUNCT
abrj-454	70	12	provides	provide	VERB
abrj-454	70	13	additional	additional	ADJ
abrj-454	70	14	theoretical	theoretical	ADJ
abrj-454	70	15	insights	insight	NOUN
abrj-454	70	16	by	by	ADP
abrj-454	70	17	emphasising	emphasise	VERB
abrj-454	70	18	how	how	SCONJ
abrj-454	70	19	autonomy	autonomy	NOUN
abrj-454	70	20	,	,	PUNCT
abrj-454	70	21	competence	competence	NOUN
abrj-454	70	22	,	,	PUNCT
abrj-454	70	23	and	and	CCONJ
abrj-454	70	24	relatedness	relatedness	NOUN
abrj-454	70	25	drive	drive	VERB
abrj-454	70	26	intrinsic	intrinsic	ADJ
abrj-454	70	27	motivation	motivation	NOUN
abrj-454	70	28	.	.	PUNCT
abrj-454	71	1	within	within	ADP
abrj-454	71	2	digital	digital	ADJ
abrj-454	71	3	lending	lending	NOUN
abrj-454	71	4	contexts	contexts	NOUN
abrj-454	71	5	,	,	PUNCT
abrj-454	71	6	financial	financial	ADJ
abrj-454	71	7	literacy	literacy	NOUN
abrj-454	71	8	may	may	AUX
abrj-454	71	9	function	function	VERB
abrj-454	71	10	as	as	ADP
abrj-454	71	11	a	a	DET
abrj-454	71	12	competence	competence	NOUN
abrj-454	71	13	enabler	enabler	NOUN
abrj-454	71	14	that	that	PRON
abrj-454	71	15	enhances	enhance	VERB
abrj-454	71	16	self	self	NOUN
abrj-454	71	17	-	-	PUNCT
abrj-454	71	18	efficacy	efficacy	NOUN
abrj-454	71	19	and	and	CCONJ
abrj-454	71	20	thereby	thereby	ADV
abrj-454	71	21	influences	influence	VERB
abrj-454	71	22	platform	platform	NOUN
abrj-454	71	23	engagement	engagement	NOUN
abrj-454	71	24	through	through	ADP
abrj-454	71	25	motivational	motivational	ADJ
abrj-454	71	26	pathways	pathway	NOUN
abrj-454	71	27	.	.	PUNCT
abrj-454	72	1	this	this	DET
abrj-454	72	2	theoretical	theoretical	ADJ
abrj-454	72	3	perspective	perspective	NOUN
abrj-454	72	4	complements	complement	VERB
abrj-454	72	5	traditional	traditional	ADJ
abrj-454	72	6	technology	technology	NOUN
abrj-454	72	7	acceptance	acceptance	NOUN
abrj-454	72	8	models	model	NOUN
abrj-454	72	9	by	by	ADP
abrj-454	72	10	emphasising	emphasise	VERB
abrj-454	72	11	psychological	psychological	ADJ
abrj-454	72	12	need	need	NOUN
abrj-454	72	13	satisfaction	satisfaction	NOUN
abrj-454	72	14	rather	rather	ADV
abrj-454	72	15	than	than	ADP
abrj-454	72	16	merely	merely	ADV
abrj-454	72	17	instrumental	instrumental	ADJ
abrj-454	72	18	outcomes	outcome	NOUN
abrj-454	72	19	(	(	PUNCT
abrj-454	72	20	malhotra	malhotra	PROPN
abrj-454	72	21	et	et	PROPN
abrj-454	72	22	al	al	PROPN
abrj-454	72	23	.	.	PROPN
abrj-454	72	24	,	,	PUNCT
abrj-454	72	25	2008	2008	NUM
abrj-454	72	26	)	)	PUNCT
abrj-454	72	27	.	.	PUNCT
abrj-454	73	1	collectively	collectively	ADV
abrj-454	73	2	,	,	PUNCT
abrj-454	73	3	these	these	DET
abrj-454	73	4	theoretical	theoretical	ADJ
abrj-454	73	5	frameworks	framework	NOUN
abrj-454	73	6	establish	establish	VERB
abrj-454	73	7	the	the	DET
abrj-454	73	8	foundation	foundation	NOUN
abrj-454	73	9	for	for	ADP
abrj-454	73	10	examining	examine	VERB
abrj-454	73	11	the	the	DET
abrj-454	73	12	complex	complex	ADJ
abrj-454	73	13	interrelationship	interrelationship	NOUN
abrj-454	73	14	between	between	ADP
abrj-454	73	15	financial	financial	ADJ
abrj-454	73	16	literacy	literacy	NOUN
abrj-454	73	17	and	and	CCONJ
abrj-454	73	18	digital	digital	ADJ
abrj-454	73	19	consumer	consumer	NOUN
abrj-454	73	20	behaviour	behaviour	NOUN
abrj-454	73	21	.	.	PUNCT
abrj-454	74	1	by	by	ADP
abrj-454	74	2	integrating	integrate	VERB
abrj-454	74	3	financial	financial	ADJ
abrj-454	74	4	capability	capability	NOUN
abrj-454	74	5	theory	theory	NOUN
abrj-454	74	6	with	with	ADP
abrj-454	74	7	technology	technology	NOUN
abrj-454	74	8	acceptance	acceptance	NOUN
abrj-454	74	9	models	model	NOUN
abrj-454	74	10	,	,	PUNCT
abrj-454	74	11	trust	trust	NOUN
abrj-454	74	12	formation	formation	NOUN
abrj-454	74	13	theories	theory	NOUN
abrj-454	74	14	,	,	PUNCT
abrj-454	74	15	and	and	CCONJ
abrj-454	74	16	behavioural	behavioural	ADJ
abrj-454	74	17	economics	economic	NOUN
abrj-454	74	18	,	,	PUNCT
abrj-454	74	19	this	this	DET
abrj-454	74	20	research	research	NOUN
abrj-454	74	21	develops	develop	VERB
abrj-454	74	22	a	a	DET
abrj-454	74	23	comprehensive	comprehensive	ADJ
abrj-454	74	24	theoretical	theoretical	ADJ
abrj-454	74	25	framework	framework	NOUN
abrj-454	74	26	for	for	ADP
abrj-454	74	27	examining	examine	VERB
abrj-454	74	28	consumer	consumer	NOUN
abrj-454	74	29	decision	decision	NOUN
abrj-454	74	30	-	-	PUNCT
abrj-454	74	31	making	making	NOUN
abrj-454	74	32	within	within	ADP
abrj-454	74	33	vietnam	vietnam	PROPN
abrj-454	74	34	's	's	PART
abrj-454	74	35	emerging	emerge	VERB
abrj-454	74	36	p2p	p2p	NOUN
abrj-454	74	37	lending	lend	VERB
abrj-454	74	38	ecosystem	ecosystem	NOUN
abrj-454	74	39	.	.	PUNCT
abrj-454	75	1	2.2	2.2	NUM
abrj-454	75	2	.	.	PUNCT
abrj-454	75	3	review	review	NOUN
abrj-454	75	4	of	of	ADP
abrj-454	75	5	empirical	empirical	ADJ
abrj-454	75	6	and	and	CCONJ
abrj-454	75	7	relevant	relevant	ADJ
abrj-454	75	8	studies	study	NOUN
abrj-454	75	9	2.2.1	2.2.1	NUM
abrj-454	75	10	.	.	PUNCT
abrj-454	75	11	financial	financial	ADJ
abrj-454	75	12	literacy	literacy	NOUN
abrj-454	75	13	:	:	PUNCT
abrj-454	75	14	empirical	empirical	ADJ
abrj-454	75	15	findings	finding	NOUN
abrj-454	75	16	and	and	CCONJ
abrj-454	75	17	measurement	measurement	NOUN
abrj-454	75	18	approaches	approach	VERB
abrj-454	75	19	empirical	empirical	ADJ
abrj-454	75	20	research	research	NOUN
abrj-454	75	21	examining	examine	VERB
abrj-454	75	22	financial	financial	ADJ
abrj-454	75	23	literacy	literacy	NOUN
abrj-454	75	24	has	have	AUX
abrj-454	75	25	documented	document	VERB
abrj-454	75	26	significant	significant	ADJ
abrj-454	75	27	and	and	CCONJ
abrj-454	75	28	persistent	persistent	ADJ
abrj-454	75	29	knowledge	knowledge	NOUN
abrj-454	75	30	gaps	gap	VERB
abrj-454	75	31	across	across	ADP
abrj-454	75	32	global	global	ADJ
abrj-454	75	33	populations	population	NOUN
abrj-454	75	34	.	.	PUNCT
abrj-454	76	1	lusardi	lusardi	PROPN
abrj-454	76	2	and	and	CCONJ
abrj-454	76	3	mitchell	mitchell	PROPN
abrj-454	76	4	's	's	PART
abrj-454	76	5	(	(	PUNCT
abrj-454	76	6	2011	2011	NUM
abrj-454	76	7	)	)	PUNCT
abrj-454	76	8	seminal	seminal	ADJ
abrj-454	76	9	work	work	NOUN
abrj-454	76	10	established	establish	VERB
abrj-454	76	11	that	that	SCONJ
abrj-454	76	12	only	only	ADV
abrj-454	76	13	one	one	NUM
abrj-454	76	14	-	-	PUNCT
abrj-454	76	15	third	third	NOUN
abrj-454	76	16	of	of	ADP
abrj-454	76	17	global	global	ADJ
abrj-454	76	18	respondents	respondent	NOUN
abrj-454	76	19	could	could	AUX
abrj-454	76	20	correctly	correctly	ADV
abrj-454	76	21	answer	answer	VERB
abrj-454	76	22	three	three	NUM
abrj-454	76	23	basic	basic	ADJ
abrj-454	76	24	financial	financial	ADJ
abrj-454	76	25	literacy	literacy	NOUN
abrj-454	76	26	questions	question	NOUN
abrj-454	76	27	regarding	regard	VERB
abrj-454	76	28	interest	interest	NOUN
abrj-454	76	29	rates	rate	NOUN
abrj-454	76	30	,	,	PUNCT
abrj-454	76	31	inflation	inflation	NOUN
abrj-454	76	32	,	,	PUNCT
abrj-454	76	33	and	and	CCONJ
abrj-454	76	34	risk	risk	NOUN
abrj-454	76	35	diversification	diversification	NOUN
abrj-454	76	36	.	.	PUNCT
abrj-454	77	1	this	this	DET
abrj-454	77	2	finding	finding	NOUN
abrj-454	77	3	has	have	AUX
abrj-454	77	4	been	be	AUX
abrj-454	77	5	replicated	replicate	VERB
abrj-454	77	6	across	across	ADP
abrj-454	77	7	diverse	diverse	ADJ
abrj-454	77	8	national	national	ADJ
abrj-454	77	9	contexts	contexts	NOUN
abrj-454	77	10	,	,	PUNCT
abrj-454	77	11	with	with	ADP
abrj-454	77	12	emerging	emerge	VERB
abrj-454	77	13	economies	economy	NOUN
abrj-454	77	14	typically	typically	ADV
abrj-454	77	15	demonstrating	demonstrate	VERB
abrj-454	77	16	lower	low	ADJ
abrj-454	77	17	financial	financial	ADJ
abrj-454	77	18	literacy	literacy	NOUN
abrj-454	77	19	rates	rate	NOUN
abrj-454	77	20	than	than	ADP
abrj-454	77	21	developed	developed	ADJ
abrj-454	77	22	economies	economy	NOUN
abrj-454	77	23	(	(	PUNCT
abrj-454	77	24	klapper	klapper	NOUN
abrj-454	77	25	et	et	PROPN
abrj-454	77	26	al	al	PROPN
abrj-454	77	27	.	.	PROPN
abrj-454	77	28	,	,	PUNCT
abrj-454	77	29	2015	2015	NUM
abrj-454	77	30	)	)	PUNCT
abrj-454	77	31	.	.	PUNCT
abrj-454	78	1	within	within	ADP
abrj-454	78	2	vietnam	vietnam	PROPN
abrj-454	78	3	specifically	specifically	ADV
abrj-454	78	4	,	,	PUNCT
abrj-454	78	5	the	the	DET
abrj-454	78	6	standard	standard	PROPN
abrj-454	78	7	&	&	CCONJ
abrj-454	78	8	poor	poor	PROPN
abrj-454	78	9	's	's	PART
abrj-454	78	10	global	global	ADJ
abrj-454	78	11	financial	financial	ADJ
abrj-454	78	12	literacy	literacy	NOUN
abrj-454	78	13	survey	survey	NOUN
abrj-454	78	14	(	(	PUNCT
abrj-454	78	15	2015	2015	NUM
abrj-454	78	16	)	)	PUNCT
abrj-454	78	17	found	find	VERB
abrj-454	78	18	that	that	SCONJ
abrj-454	78	19	only	only	ADV
abrj-454	78	20	24	24	NUM
abrj-454	78	21	%	%	NOUN
abrj-454	78	22	of	of	ADP
abrj-454	78	23	adults	adult	NOUN
abrj-454	78	24	could	could	AUX
abrj-454	78	25	be	be	AUX
abrj-454	78	26	classified	classify	VERB
abrj-454	78	27	as	as	ADP
abrj-454	78	28	financially	financially	ADV
abrj-454	78	29	literate	literate	ADJ
abrj-454	78	30	,	,	PUNCT
abrj-454	78	31	positioning	position	VERB
abrj-454	78	32	vietnam	vietnam	NOUN
abrj-454	78	33	below	below	ADP
abrj-454	78	34	regional	regional	ADJ
abrj-454	78	35	averages	average	NOUN
abrj-454	78	36	despite	despite	SCONJ
abrj-454	78	37	its	its	PRON
abrj-454	78	38	rapid	rapid	ADJ
abrj-454	78	39	economic	economic	ADJ
abrj-454	78	40	development	development	NOUN
abrj-454	78	41	.	.	PUNCT
abrj-454	79	1	the	the	DET
abrj-454	79	2	empirical	empirical	ADJ
abrj-454	79	3	relationship	relationship	NOUN
abrj-454	79	4	between	between	ADP
abrj-454	79	5	financial	financial	ADJ
abrj-454	79	6	literacy	literacy	NOUN
abrj-454	79	7	and	and	CCONJ
abrj-454	79	8	financial	financial	ADJ
abrj-454	79	9	behaviour	behaviour	NOUN
abrj-454	79	10	has	have	AUX
abrj-454	79	11	been	be	AUX
abrj-454	79	12	extensively	extensively	ADV
abrj-454	79	13	documented	document	VERB
abrj-454	79	14	,	,	PUNCT
abrj-454	79	15	though	though	SCONJ
abrj-454	79	16	with	with	ADP
abrj-454	79	17	important	important	ADJ
abrj-454	79	18	nuances	nuance	NOUN
abrj-454	79	19	.	.	PUNCT
abrj-454	80	1	fernandes	fernandes	PROPN
abrj-454	80	2	et	et	PROPN
abrj-454	80	3	al	al	PROPN
abrj-454	80	4	.	.	PROPN
abrj-454	81	1	(	(	PUNCT
abrj-454	81	2	2014	2014	NUM
abrj-454	81	3	)	)	PUNCT
abrj-454	81	4	conducted	conduct	VERB
abrj-454	81	5	a	a	DET
abrj-454	81	6	meta	meta	ADJ
abrj-454	81	7	-	-	PUNCT
abrj-454	81	8	analysis	analysis	NOUN
abrj-454	81	9	of	of	ADP
abrj-454	81	10	168	168	NUM
abrj-454	81	11	papers	paper	NOUN
abrj-454	81	12	examining	examine	VERB
abrj-454	81	13	financial	financial	ADJ
abrj-454	81	14	literacy	literacy	NOUN
abrj-454	81	15	effects	effect	NOUN
abrj-454	81	16	,	,	PUNCT
abrj-454	81	17	finding	find	VERB
abrj-454	81	18	a	a	DET
abrj-454	81	19	statistically	statistically	ADV
abrj-454	81	20	significant	significant	ADJ
abrj-454	81	21	but	but	CCONJ
abrj-454	81	22	relatively	relatively	ADV
abrj-454	81	23	modest	modest	ADJ
abrj-454	81	24	relationship	relationship	NOUN
abrj-454	81	25	between	between	ADP
abrj-454	81	26	financial	financial	ADJ
abrj-454	81	27	literacy	literacy	NOUN
abrj-454	81	28	and	and	CCONJ
abrj-454	81	29	financial	financial	ADJ
abrj-454	81	30	behaviours	behaviour	NOUN
abrj-454	81	31	(	(	PUNCT
abrj-454	81	32	r	r	NOUN
abrj-454	81	33	=	=	SYM
abrj-454	81	34	0.21	0.21	NUM
abrj-454	81	35	)	)	PUNCT
abrj-454	81	36	.	.	PUNCT
abrj-454	82	1	notably	notably	ADV
abrj-454	82	2	,	,	PUNCT
abrj-454	82	3	intervention	intervention	NOUN
abrj-454	82	4	effects	effect	NOUN
abrj-454	82	5	demonstrated	demonstrate	VERB
abrj-454	82	6	significant	significant	ADJ
abrj-454	82	7	decay	decay	NOUN
abrj-454	82	8	over	over	ADP
abrj-454	82	9	time	time	NOUN
abrj-454	82	10	,	,	PUNCT
abrj-454	82	11	suggesting	suggest	VERB
abrj-454	82	12	the	the	DET
abrj-454	82	13	importance	importance	NOUN
abrj-454	82	14	of	of	ADP
abrj-454	82	15	sustained	sustain	VERB
abrj-454	82	16	rather	rather	ADV
abrj-454	82	17	than	than	ADP
abrj-454	82	18	one	one	NUM
abrj-454	82	19	-	-	PUNCT
abrj-454	82	20	time	time	NOUN
abrj-454	82	21	financial	financial	ADJ
abrj-454	82	22	education	education	NOUN
abrj-454	82	23	.	.	PUNCT
abrj-454	83	1	van	van	PROPN
abrj-454	83	2	rooij	rooij	PROPN
abrj-454	83	3	et	et	PROPN
abrj-454	83	4	al	al	PROPN
abrj-454	83	5	.	.	PROPN
abrj-454	84	1	(	(	PUNCT
abrj-454	84	2	2011	2011	NUM
abrj-454	84	3	)	)	PUNCT
abrj-454	84	4	established	establish	VERB
abrj-454	84	5	more	more	ADV
abrj-454	84	6	specific	specific	ADJ
abrj-454	84	7	linkages	linkage	NOUN
abrj-454	84	8	,	,	PUNCT
abrj-454	84	9	demonstrating	demonstrate	VERB
abrj-454	84	10	that	that	SCONJ
abrj-454	84	11	financial	financial	ADJ
abrj-454	84	12	literacy	literacy	NOUN
abrj-454	84	13	significantly	significantly	ADV
abrj-454	84	14	influences	influence	VERB
abrj-454	84	15	stock	stock	NOUN
abrj-454	84	16	market	market	NOUN
abrj-454	84	17	participation	participation	NOUN
abrj-454	84	18	,	,	PUNCT
abrj-454	84	19	retirement	retirement	NOUN
abrj-454	84	20	planning	planning	NOUN
abrj-454	84	21	,	,	PUNCT
abrj-454	84	22	and	and	CCONJ
abrj-454	84	23	wealth	wealth	NOUN
abrj-454	84	24	accumulation	accumulation	NOUN
abrj-454	84	25	,	,	PUNCT
abrj-454	84	26	with	with	ADP
abrj-454	84	27	effects	effect	NOUN
abrj-454	84	28	persisting	persist	VERB
abrj-454	84	29	after	after	ADP
abrj-454	84	30	controlling	control	VERB
abrj-454	84	31	for	for	ADP
abrj-454	84	32	cognitive	cognitive	ADJ
abrj-454	84	33	ability	ability	NOUN
abrj-454	84	34	,	,	PUNCT
abrj-454	84	35	educational	educational	ADJ
abrj-454	84	36	attainment	attainment	NOUN
abrj-454	84	37	,	,	PUNCT
abrj-454	84	38	and	and	CCONJ
abrj-454	84	39	risk	risk	NOUN
abrj-454	84	40	preferences	preference	NOUN
abrj-454	84	41	.	.	PUNCT
abrj-454	85	1	measurement	measurement	NOUN
abrj-454	85	2	approaches	approach	NOUN
abrj-454	85	3	for	for	ADP
abrj-454	85	4	financial	financial	ADJ
abrj-454	85	5	literacy	literacy	NOUN
abrj-454	85	6	have	have	AUX
abrj-454	85	7	evolved	evolve	VERB
abrj-454	85	8	substantially	substantially	ADV
abrj-454	85	9	,	,	PUNCT
abrj-454	85	10	with	with	ADP
abrj-454	85	11	empirical	empirical	ADJ
abrj-454	85	12	studies	study	NOUN
abrj-454	85	13	demonstrating	demonstrate	VERB
abrj-454	85	14	the	the	DET
abrj-454	85	15	limitations	limitation	NOUN
abrj-454	85	16	of	of	ADP
abrj-454	85	17	unidimensional	unidimensional	ADJ
abrj-454	85	18	measures	measure	NOUN
abrj-454	85	19	.	.	PUNCT
abrj-454	86	1	huston	huston	PROPN
abrj-454	86	2	(	(	PUNCT
abrj-454	86	3	2012	2012	NUM
abrj-454	86	4	)	)	PUNCT
abrj-454	86	5	demonstrated	demonstrate	VERB
abrj-454	86	6	that	that	SCONJ
abrj-454	86	7	traditional	traditional	ADJ
abrj-454	86	8	knowledge	knowledge	NOUN
abrj-454	86	9	-	-	PUNCT
abrj-454	86	10	based	base	VERB
abrj-454	86	11	measures	measure	NOUN
abrj-454	86	12	fail	fail	VERB
abrj-454	86	13	to	to	PART
abrj-454	86	14	capture	capture	VERB
abrj-454	86	15	the	the	DET
abrj-454	86	16	application	application	NOUN
abrj-454	86	17	dimension	dimension	NOUN
abrj-454	86	18	of	of	ADP
abrj-454	86	19	financial	financial	ADJ
abrj-454	86	20	literacy	literacy	NOUN
abrj-454	86	21	,	,	PUNCT
abrj-454	86	22	thereby	thereby	ADV
abrj-454	86	23	undermining	undermine	VERB
abrj-454	86	24	predictive	predictive	ADJ
abrj-454	86	25	validity	validity	NOUN
abrj-454	86	26	regarding	regard	VERB
abrj-454	86	27	actual	actual	ADJ
abrj-454	86	28	financial	financial	ADJ
abrj-454	86	29	behaviours	behaviour	NOUN
abrj-454	86	30	.	.	PUNCT
abrj-454	87	1	in	in	ADP
abrj-454	87	2	response	response	NOUN
abrj-454	87	3	,	,	PUNCT
abrj-454	87	4	multidimensional	multidimensional	ADJ
abrj-454	87	5	measurement	measurement	NOUN
abrj-454	87	6	approaches	approach	NOUN
abrj-454	87	7	have	have	AUX
abrj-454	87	8	been	be	AUX
abrj-454	87	9	developed	develop	VERB
abrj-454	87	10	,	,	PUNCT
abrj-454	87	11	including	include	VERB
abrj-454	87	12	the	the	DET
abrj-454	87	13	oecd	oecd	PROPN
abrj-454	87	14	/	/	SYM
abrj-454	87	15	infe	infe	NOUN
abrj-454	87	16	framework	framework	NOUN
abrj-454	87	17	which	which	PRON
abrj-454	87	18	incorporates	incorporate	VERB
abrj-454	87	19	knowledge	knowledge	NOUN
abrj-454	87	20	,	,	PUNCT
abrj-454	87	21	attitudes	attitude	NOUN
abrj-454	87	22	,	,	PUNCT
abrj-454	87	23	and	and	CCONJ
abrj-454	87	24	behaviour	behaviour	NOUN
abrj-454	87	25	dimensions	dimension	NOUN
abrj-454	87	26	(	(	PUNCT
abrj-454	87	27	atkinson	atkinson	PROPN
abrj-454	87	28	&	&	CCONJ
abrj-454	87	29	messy	messy	PROPN
abrj-454	87	30	,	,	PUNCT
abrj-454	87	31	2012	2012	NUM
abrj-454	87	32	)	)	PUNCT
abrj-454	87	33	.	.	PUNCT
abrj-454	88	1	empirical	empirical	ADJ
abrj-454	88	2	validation	validation	NOUN
abrj-454	88	3	of	of	ADP
abrj-454	88	4	these	these	DET
abrj-454	88	5	multidimensional	multidimensional	ADJ
abrj-454	88	6	measures	measure	NOUN
abrj-454	88	7	has	have	AUX
abrj-454	88	8	demonstrated	demonstrate	VERB
abrj-454	88	9	superior	superior	ADJ
abrj-454	88	10	predictive	predictive	ADJ
abrj-454	88	11	validity	validity	NOUN
abrj-454	88	12	regarding	regard	VERB
abrj-454	88	13	financial	financial	ADJ
abrj-454	88	14	outcomes	outcome	NOUN
abrj-454	88	15	compared	compare	VERB
abrj-454	88	16	to	to	ADP
abrj-454	88	17	knowledge	knowledge	NOUN
abrj-454	88	18	-	-	PUNCT
abrj-454	88	19	only	only	ADV
abrj-454	88	20	measures	measure	NOUN
abrj-454	88	21	(	(	PUNCT
abrj-454	88	22	potrich	potrich	INTJ
abrj-454	88	23	et	et	PROPN
abrj-454	88	24	al	al	PROPN
abrj-454	88	25	.	.	PROPN
abrj-454	88	26	,	,	PUNCT
abrj-454	88	27	2016	2016	NUM
abrj-454	88	28	)	)	PUNCT
abrj-454	88	29	.	.	PUNCT
abrj-454	89	1	contextual	contextual	ADJ
abrj-454	89	2	factors	factor	NOUN
abrj-454	89	3	significantly	significantly	ADV
abrj-454	89	4	moderate	moderate	VERB
abrj-454	89	5	the	the	DET
abrj-454	89	6	relationship	relationship	NOUN
abrj-454	89	7	between	between	ADP
abrj-454	89	8	financial	financial	ADJ
abrj-454	89	9	literacy	literacy	NOUN
abrj-454	89	10	and	and	CCONJ
abrj-454	89	11	behaviour	behaviour	NOUN
abrj-454	89	12	.	.	PUNCT
abrj-454	90	1	cole	cole	PROPN
abrj-454	90	2	et	et	PROPN
abrj-454	90	3	al	al	PROPN
abrj-454	90	4	.	.	PROPN
abrj-454	91	1	(	(	PUNCT
abrj-454	91	2	2011	2011	NUM
abrj-454	91	3	)	)	PUNCT
abrj-454	91	4	found	find	VERB
abrj-454	91	5	that	that	SCONJ
abrj-454	91	6	financial	financial	ADJ
abrj-454	91	7	literacy	literacy	NOUN
abrj-454	91	8	effects	effect	NOUN
abrj-454	91	9	vary	vary	VERB
abrj-454	91	10	systematically	systematically	ADV
abrj-454	91	11	with	with	ADP
abrj-454	91	12	income	income	NOUN
abrj-454	91	13	levels	level	NOUN
abrj-454	91	14	,	,	PUNCT
abrj-454	91	15	with	with	ADP
abrj-454	91	16	stronger	strong	ADJ
abrj-454	91	17	effects	effect	NOUN
abrj-454	91	18	observed	observe	VERB
abrj-454	91	19	among	among	ADP
abrj-454	91	20	middle	middle	ADJ
abrj-454	91	21	-	-	PUNCT
abrj-454	91	22	income	income	NOUN
abrj-454	91	23	compared	compare	VERB
abrj-454	91	24	to	to	ADP
abrj-454	91	25	low	low	ADJ
abrj-454	91	26	-	-	PUNCT
abrj-454	91	27	income	income	NOUN
abrj-454	91	28	populations	population	NOUN
abrj-454	91	29	.	.	PUNCT
abrj-454	92	1	similarly	similarly	ADV
abrj-454	92	2	,	,	PUNCT
abrj-454	92	3	meier	meier	NOUN
abrj-454	92	4	and	and	CCONJ
abrj-454	92	5	sprenger	sprenger	NOUN
abrj-454	92	6	(	(	PUNCT
abrj-454	92	7	2013	2013	NUM
abrj-454	92	8	)	)	PUNCT
abrj-454	92	9	demonstrated	demonstrate	VERB
abrj-454	92	10	that	that	SCONJ
abrj-454	92	11	time	time	NOUN
abrj-454	92	12	preferences	preference	NOUN
abrj-454	92	13	moderate	moderate	VERB
abrj-454	92	14	financial	financial	ADJ
abrj-454	92	15	literacy	literacy	NOUN
abrj-454	92	16	effects	effect	NOUN
abrj-454	92	17	,	,	PUNCT
abrj-454	92	18	with	with	ADP
abrj-454	92	19	present	present	ADJ
abrj-454	92	20	-	-	PUNCT
abrj-454	92	21	biased	bias	VERB
abrj-454	92	22	individuals	individual	NOUN
abrj-454	92	23	demonstrating	demonstrate	VERB
abrj-454	92	24	weaker	weak	ADJ
abrj-454	92	25	relationships	relationship	NOUN
abrj-454	92	26	between	between	ADP
abrj-454	92	27	knowledge	knowledge	NOUN
abrj-454	92	28	and	and	CCONJ
abrj-454	92	29	behaviour	behaviour	NOUN
abrj-454	92	30	.	.	PUNCT
abrj-454	93	1	these	these	DET
abrj-454	93	2	empirical	empirical	ADJ
abrj-454	93	3	findings	finding	NOUN
abrj-454	93	4	suggest	suggest	VERB
abrj-454	93	5	the	the	DET
abrj-454	93	6	importance	importance	NOUN
abrj-454	93	7	of	of	ADP
abrj-454	93	8	examining	examine	VERB
abrj-454	93	9	conditional	conditional	ADJ
abrj-454	93	10	effects	effect	NOUN
abrj-454	93	11	rather	rather	ADV
abrj-454	93	12	than	than	ADP
abrj-454	93	13	assuming	assume	VERB
abrj-454	93	14	uniform	uniform	ADJ
abrj-454	93	15	financial	financial	ADJ
abrj-454	93	16	literacy	literacy	NOUN
abrj-454	93	17	impacts	impact	NOUN
abrj-454	93	18	across	across	ADP
abrj-454	93	19	populations	population	NOUN
abrj-454	93	20	.	.	PUNCT
abrj-454	94	1	asian	asian	ADJ
abrj-454	94	2	business	business	PROPN
abrj-454	94	3	research	research	NOUN
abrj-454	94	4	journal	journal	NOUN
abrj-454	94	5	,	,	PUNCT
abrj-454	94	6	2025	2025	NUM
abrj-454	94	7	,	,	PUNCT
abrj-454	94	8	10(5	10(5	NUM
abrj-454	94	9	):	):	PUNCT
abrj-454	94	10	106	106	NUM
abrj-454	94	11	-	-	SYM
abrj-454	94	12	119	119	NUM
abrj-454	94	13	109	109	NUM
abrj-454	94	14	©	©	PROPN
abrj-454	94	15	2025	2025	NUM
abrj-454	94	16	by	by	ADP
abrj-454	94	17	the	the	DET
abrj-454	94	18	author	author	NOUN
abrj-454	94	19	;	;	PUNCT
abrj-454	94	20	licensee	licensee	NOUN
abrj-454	94	21	eastern	eastern	ADJ
abrj-454	94	22	centre	centre	NOUN
abrj-454	94	23	of	of	ADP
abrj-454	94	24	science	science	NOUN
abrj-454	94	25	and	and	CCONJ
abrj-454	94	26	education	education	NOUN
abrj-454	95	1	,	,	PUNCT
abrj-454	95	2	usa	usa	PROPN
abrj-454	95	3	domain	domain	NOUN
abrj-454	95	4	-	-	PUNCT
abrj-454	95	5	specific	specific	ADJ
abrj-454	95	6	financial	financial	ADJ
abrj-454	95	7	literacy	literacy	NOUN
abrj-454	95	8	measures	measure	NOUN
abrj-454	95	9	have	have	AUX
abrj-454	95	10	demonstrated	demonstrate	VERB
abrj-454	95	11	superior	superior	ADJ
abrj-454	95	12	predictive	predictive	ADJ
abrj-454	95	13	validity	validity	NOUN
abrj-454	95	14	compared	compare	VERB
abrj-454	95	15	to	to	ADP
abrj-454	95	16	general	general	ADJ
abrj-454	95	17	measures	measure	NOUN
abrj-454	95	18	when	when	SCONJ
abrj-454	95	19	examining	examine	VERB
abrj-454	95	20	specific	specific	ADJ
abrj-454	95	21	financial	financial	ADJ
abrj-454	95	22	behaviours	behaviour	NOUN
abrj-454	95	23	.	.	PUNCT
abrj-454	96	1	nicolini	nicolini	PROPN
abrj-454	96	2	et	et	PROPN
abrj-454	96	3	al	al	PROPN
abrj-454	96	4	.	.	PROPN
abrj-454	97	1	(	(	PUNCT
abrj-454	97	2	2013	2013	NUM
abrj-454	97	3	)	)	PUNCT
abrj-454	97	4	established	establish	VERB
abrj-454	97	5	that	that	SCONJ
abrj-454	97	6	domain	domain	NOUN
abrj-454	97	7	-	-	PUNCT
abrj-454	97	8	specific	specific	ADJ
abrj-454	97	9	financial	financial	ADJ
abrj-454	97	10	knowledge	knowledge	NOUN
abrj-454	97	11	regarding	regard	VERB
abrj-454	97	12	mortgage	mortgage	NOUN
abrj-454	97	13	products	product	NOUN
abrj-454	97	14	more	more	ADV
abrj-454	97	15	strongly	strongly	ADV
abrj-454	97	16	predicted	predict	VERB
abrj-454	97	17	mortgage	mortgage	NOUN
abrj-454	97	18	choice	choice	NOUN
abrj-454	97	19	quality	quality	NOUN
abrj-454	97	20	than	than	ADP
abrj-454	97	21	general	general	ADJ
abrj-454	97	22	financial	financial	ADJ
abrj-454	97	23	literacy	literacy	NOUN
abrj-454	97	24	.	.	PUNCT
abrj-454	98	1	this	this	DET
abrj-454	98	2	empirical	empirical	ADJ
abrj-454	98	3	finding	finding	NOUN
abrj-454	98	4	supports	support	VERB
abrj-454	98	5	the	the	DET
abrj-454	98	6	present	present	ADJ
abrj-454	98	7	research	research	NOUN
abrj-454	98	8	's	's	PART
abrj-454	98	9	focus	focus	NOUN
abrj-454	98	10	on	on	ADP
abrj-454	98	11	digital	digital	ADJ
abrj-454	98	12	-	-	PUNCT
abrj-454	98	13	specific	specific	ADJ
abrj-454	98	14	financial	financial	ADJ
abrj-454	98	15	literacy	literacy	NOUN
abrj-454	98	16	as	as	ADP
abrj-454	98	17	potentially	potentially	ADV
abrj-454	98	18	distinct	distinct	ADJ
abrj-454	98	19	from	from	ADP
abrj-454	98	20	general	general	ADJ
abrj-454	98	21	financial	financial	ADJ
abrj-454	98	22	knowledge	knowledge	NOUN
abrj-454	98	23	.	.	PUNCT
abrj-454	99	1	to	to	ADP
abrj-454	99	2	date	date	NOUN
abrj-454	99	3	,	,	PUNCT
abrj-454	99	4	however	however	ADV
abrj-454	99	5	,	,	PUNCT
abrj-454	99	6	few	few	ADJ
abrj-454	99	7	empirical	empirical	ADJ
abrj-454	99	8	studies	study	NOUN
abrj-454	99	9	have	have	AUX
abrj-454	99	10	developed	develop	VERB
abrj-454	99	11	and	and	CCONJ
abrj-454	99	12	validated	validate	VERB
abrj-454	99	13	measures	measure	NOUN
abrj-454	99	14	specifically	specifically	ADV
abrj-454	99	15	targeting	target	VERB
abrj-454	99	16	financial	financial	ADJ
abrj-454	99	17	literacy	literacy	NOUN
abrj-454	99	18	within	within	ADP
abrj-454	99	19	digital	digital	ADJ
abrj-454	99	20	lending	lending	NOUN
abrj-454	99	21	contexts	contexts	NOUN
abrj-454	99	22	.	.	PUNCT
abrj-454	100	1	2.2.2	2.2.2	X
abrj-454	100	2	.	.	PUNCT
abrj-454	100	3	digital	digital	ADJ
abrj-454	100	4	financial	financial	ADJ
abrj-454	100	5	behaviour	behaviour	NOUN
abrj-454	100	6	and	and	CCONJ
abrj-454	100	7	p2p	p2p	NOUN
abrj-454	100	8	lending	lending	NOUN
abrj-454	100	9	platform	platform	NOUN
abrj-454	100	10	dynamics	dynamic	NOUN
abrj-454	100	11	empirical	empirical	ADJ
abrj-454	100	12	research	research	NOUN
abrj-454	100	13	examining	examine	VERB
abrj-454	100	14	p2p	p2p	NOUN
abrj-454	100	15	lending	lending	NOUN
abrj-454	100	16	platforms	platform	NOUN
abrj-454	100	17	has	have	AUX
abrj-454	100	18	documented	document	VERB
abrj-454	100	19	distinctive	distinctive	ADJ
abrj-454	100	20	behavioural	behavioural	ADJ
abrj-454	100	21	patterns	pattern	NOUN
abrj-454	100	22	that	that	PRON
abrj-454	100	23	differentiate	differentiate	VERB
abrj-454	100	24	these	these	DET
abrj-454	100	25	environments	environment	NOUN
abrj-454	100	26	from	from	ADP
abrj-454	100	27	traditional	traditional	ADJ
abrj-454	100	28	lending	lending	NOUN
abrj-454	100	29	contexts	contexts	NOUN
abrj-454	100	30	.	.	PUNCT
abrj-454	101	1	lee	lee	PROPN
abrj-454	101	2	and	and	CCONJ
abrj-454	101	3	lee	lee	PROPN
abrj-454	101	4	(	(	PUNCT
abrj-454	101	5	2012	2012	NUM
abrj-454	101	6	)	)	PUNCT
abrj-454	101	7	analysed	analyse	VERB
abrj-454	101	8	3,000	3,000	NUM
abrj-454	101	9	loan	loan	NOUN
abrj-454	101	10	listings	listing	NOUN
abrj-454	101	11	from	from	ADP
abrj-454	101	12	a	a	DET
abrj-454	101	13	major	major	ADJ
abrj-454	101	14	p2p	p2p	NOUN
abrj-454	101	15	platform	platform	NOUN
abrj-454	101	16	,	,	PUNCT
abrj-454	101	17	identifying	identify	VERB
abrj-454	101	18	herding	herd	VERB
abrj-454	101	19	behaviour	behaviour	NOUN
abrj-454	101	20	as	as	ADP
abrj-454	101	21	a	a	DET
abrj-454	101	22	significant	significant	ADJ
abrj-454	101	23	factor	factor	NOUN
abrj-454	101	24	influencing	influence	VERB
abrj-454	101	25	funding	fund	VERB
abrj-454	101	26	outcomes	outcome	NOUN
abrj-454	101	27	.	.	PUNCT
abrj-454	102	1	this	this	DET
abrj-454	102	2	finding	finding	NOUN
abrj-454	102	3	suggests	suggest	VERB
abrj-454	102	4	the	the	DET
abrj-454	102	5	operation	operation	NOUN
abrj-454	102	6	of	of	ADP
abrj-454	102	7	social	social	ADJ
abrj-454	102	8	influence	influence	NOUN
abrj-454	102	9	mechanisms	mechanism	NOUN
abrj-454	102	10	that	that	PRON
abrj-454	102	11	may	may	AUX
abrj-454	102	12	interact	interact	VERB
abrj-454	102	13	with	with	ADP
abrj-454	102	14	financial	financial	ADJ
abrj-454	102	15	literacy	literacy	NOUN
abrj-454	102	16	levels	level	NOUN
abrj-454	102	17	to	to	PART
abrj-454	102	18	produce	produce	VERB
abrj-454	102	19	distinctive	distinctive	ADJ
abrj-454	102	20	decision	decision	NOUN
abrj-454	102	21	patterns	pattern	NOUN
abrj-454	102	22	.	.	PUNCT
abrj-454	103	1	similarly	similarly	ADV
abrj-454	103	2	,	,	PUNCT
abrj-454	103	3	zhang	zhang	PROPN
abrj-454	103	4	and	and	CCONJ
abrj-454	103	5	liu	liu	PROPN
abrj-454	103	6	(	(	PUNCT
abrj-454	103	7	2012	2012	NUM
abrj-454	103	8	)	)	PUNCT
abrj-454	103	9	demonstrated	demonstrate	VERB
abrj-454	103	10	rational	rational	ADJ
abrj-454	103	11	herding	herding	NOUN
abrj-454	103	12	effects	effect	NOUN
abrj-454	103	13	,	,	PUNCT
abrj-454	103	14	whereby	whereby	SCONJ
abrj-454	103	15	lenders	lender	NOUN
abrj-454	103	16	extrapolate	extrapolate	VERB
abrj-454	103	17	borrower	borrower	NOUN
abrj-454	103	18	quality	quality	NOUN
abrj-454	103	19	from	from	ADP
abrj-454	103	20	the	the	DET
abrj-454	103	21	lending	lending	NOUN
abrj-454	103	22	decisions	decision	NOUN
abrj-454	103	23	of	of	ADP
abrj-454	103	24	previous	previous	ADJ
abrj-454	103	25	investors	investor	NOUN
abrj-454	103	26	—	—	PUNCT
abrj-454	103	27	a	a	DET
abrj-454	103	28	finding	finding	NOUN
abrj-454	103	29	with	with	ADP
abrj-454	103	30	significant	significant	ADJ
abrj-454	103	31	implications	implication	NOUN
abrj-454	103	32	regarding	regard	VERB
abrj-454	103	33	how	how	SCONJ
abrj-454	103	34	financial	financial	ADJ
abrj-454	103	35	sophistication	sophistication	NOUN
abrj-454	103	36	might	might	AUX
abrj-454	103	37	influence	influence	VERB
abrj-454	103	38	information	information	NOUN
abrj-454	103	39	processing	processing	NOUN
abrj-454	103	40	within	within	ADP
abrj-454	103	41	these	these	DET
abrj-454	103	42	platforms	platform	NOUN
abrj-454	103	43	.	.	PUNCT
abrj-454	104	1	trust	trust	NOUN
abrj-454	104	2	formation	formation	NOUN
abrj-454	104	3	within	within	ADP
abrj-454	104	4	digital	digital	ADJ
abrj-454	104	5	lending	lending	NOUN
abrj-454	104	6	platforms	platform	NOUN
abrj-454	104	7	follows	follow	VERB
abrj-454	104	8	empirically	empirically	ADV
abrj-454	104	9	distinct	distinct	ADJ
abrj-454	104	10	patterns	pattern	NOUN
abrj-454	104	11	from	from	ADP
abrj-454	104	12	traditional	traditional	ADJ
abrj-454	104	13	financial	financial	ADJ
abrj-454	104	14	contexts	contexts	NOUN
abrj-454	104	15	.	.	PUNCT
abrj-454	105	1	duarte	duarte	PROPN
abrj-454	105	2	et	et	PROPN
abrj-454	105	3	al	al	PROPN
abrj-454	105	4	.	.	PROPN
abrj-454	106	1	(	(	PUNCT
abrj-454	106	2	2012	2012	NUM
abrj-454	106	3	)	)	PUNCT
abrj-454	106	4	established	establish	VERB
abrj-454	106	5	that	that	SCONJ
abrj-454	106	6	perceived	perceive	VERB
abrj-454	106	7	trustworthiness	trustworthiness	NOUN
abrj-454	106	8	based	base	VERB
abrj-454	106	9	on	on	ADP
abrj-454	106	10	borrower	borrower	NOUN
abrj-454	106	11	photographs	photograph	NOUN
abrj-454	106	12	significantly	significantly	ADV
abrj-454	106	13	influenced	influence	VERB
abrj-454	106	14	lending	lending	NOUN
abrj-454	106	15	decisions	decision	NOUN
abrj-454	106	16	and	and	CCONJ
abrj-454	106	17	accurately	accurately	ADV
abrj-454	106	18	predicted	predict	VERB
abrj-454	106	19	default	default	NOUN
abrj-454	106	20	risk	risk	NOUN
abrj-454	106	21	,	,	PUNCT
abrj-454	106	22	suggesting	suggest	VERB
abrj-454	106	23	the	the	DET
abrj-454	106	24	operation	operation	NOUN
abrj-454	106	25	of	of	ADP
abrj-454	106	26	nonfinancial	nonfinancial	ADJ
abrj-454	106	27	evaluation	evaluation	NOUN
abrj-454	106	28	heuristics	heuristic	NOUN
abrj-454	106	29	.	.	PUNCT
abrj-454	107	1	chen	chen	PROPN
abrj-454	107	2	et	et	PROPN
abrj-454	107	3	al	al	PROPN
abrj-454	107	4	.	.	PROPN
abrj-454	108	1	(	(	PUNCT
abrj-454	108	2	2016	2016	NUM
abrj-454	108	3	)	)	PUNCT
abrj-454	108	4	further	far	ADV
abrj-454	108	5	documented	document	VERB
abrj-454	108	6	how	how	SCONJ
abrj-454	108	7	textual	textual	ADJ
abrj-454	108	8	features	feature	NOUN
abrj-454	108	9	of	of	ADP
abrj-454	108	10	loan	loan	NOUN
abrj-454	108	11	requests	request	NOUN
abrj-454	108	12	,	,	PUNCT
abrj-454	108	13	including	include	VERB
abrj-454	108	14	linguistic	linguistic	ADJ
abrj-454	108	15	complexity	complexity	NOUN
abrj-454	108	16	and	and	CCONJ
abrj-454	108	17	narrative	narrative	NOUN
abrj-454	108	18	persuasiveness	persuasiveness	NOUN
abrj-454	108	19	,	,	PUNCT
abrj-454	108	20	significantly	significantly	ADV
abrj-454	108	21	impacted	impact	VERB
abrj-454	108	22	funding	fund	VERB
abrj-454	108	23	outcomes	outcome	NOUN
abrj-454	108	24	independent	independent	ADJ
abrj-454	108	25	of	of	ADP
abrj-454	108	26	financial	financial	ADJ
abrj-454	108	27	indicators	indicator	NOUN
abrj-454	108	28	.	.	PUNCT
abrj-454	109	1	these	these	DET
abrj-454	109	2	findings	finding	NOUN
abrj-454	109	3	suggest	suggest	VERB
abrj-454	109	4	that	that	SCONJ
abrj-454	109	5	digital	digital	ADJ
abrj-454	109	6	environments	environment	NOUN
abrj-454	109	7	create	create	VERB
abrj-454	109	8	distinctive	distinctive	ADJ
abrj-454	109	9	evaluation	evaluation	NOUN
abrj-454	109	10	contexts	contexts	NOUN
abrj-454	109	11	that	that	PRON
abrj-454	109	12	may	may	AUX
abrj-454	109	13	interact	interact	VERB
abrj-454	109	14	with	with	ADP
abrj-454	109	15	financial	financial	ADJ
abrj-454	109	16	literacy	literacy	NOUN
abrj-454	109	17	to	to	PART
abrj-454	109	18	influence	influence	VERB
abrj-454	109	19	decision	decision	NOUN
abrj-454	109	20	quality	quality	NOUN
abrj-454	109	21	.	.	PUNCT
abrj-454	110	1	consumer	consumer	NOUN
abrj-454	110	2	risk	risk	NOUN
abrj-454	110	3	perception	perception	NOUN
abrj-454	110	4	within	within	ADP
abrj-454	110	5	p2p	p2p	NOUN
abrj-454	110	6	platforms	platform	NOUN
abrj-454	110	7	demonstrates	demonstrate	VERB
abrj-454	110	8	empirically	empirically	ADV
abrj-454	110	9	complex	complex	ADJ
abrj-454	110	10	patterns	pattern	NOUN
abrj-454	110	11	.	.	PUNCT
abrj-454	111	1	iyer	iyer	PROPN
abrj-454	111	2	et	et	PROPN
abrj-454	111	3	al	al	PROPN
abrj-454	111	4	.	.	PUNCT
abrj-454	112	1	(	(	PUNCT
abrj-454	112	2	2016	2016	NUM
abrj-454	112	3	)	)	PUNCT
abrj-454	112	4	found	find	VERB
abrj-454	112	5	that	that	SCONJ
abrj-454	112	6	lenders	lender	NOUN
abrj-454	112	7	could	could	AUX
abrj-454	112	8	predict	predict	VERB
abrj-454	112	9	default	default	NOUN
abrj-454	112	10	with	with	ADP
abrj-454	112	11	45	45	NUM
abrj-454	112	12	%	%	NOUN
abrj-454	112	13	greater	great	ADJ
abrj-454	112	14	accuracy	accuracy	NOUN
abrj-454	112	15	than	than	ADP
abrj-454	112	16	credit	credit	NOUN
abrj-454	112	17	scores	score	NOUN
abrj-454	112	18	alone	alone	ADV
abrj-454	112	19	,	,	PUNCT
abrj-454	112	20	suggesting	suggest	VERB
abrj-454	112	21	that	that	SCONJ
abrj-454	112	22	distributed	distribute	VERB
abrj-454	112	23	risk	risk	NOUN
abrj-454	112	24	assessment	assessment	NOUN
abrj-454	112	25	through	through	ADP
abrj-454	112	26	collective	collective	ADJ
abrj-454	112	27	intelligence	intelligence	NOUN
abrj-454	112	28	mechanisms	mechanism	NOUN
abrj-454	112	29	creates	create	VERB
abrj-454	112	30	distinctive	distinctive	ADJ
abrj-454	112	31	risk	risk	NOUN
abrj-454	112	32	evaluation	evaluation	NOUN
abrj-454	112	33	dynamics	dynamic	NOUN
abrj-454	112	34	.	.	PUNCT
abrj-454	113	1	conversely	conversely	ADV
abrj-454	113	2	,	,	PUNCT
abrj-454	113	3	lin	lin	PROPN
abrj-454	113	4	et	et	PROPN
abrj-454	113	5	al	al	PROPN
abrj-454	113	6	.	.	PROPN
abrj-454	114	1	(	(	PUNCT
abrj-454	114	2	2013	2013	NUM
abrj-454	114	3	)	)	PUNCT
abrj-454	114	4	documented	document	VERB
abrj-454	114	5	friendship	friendship	NOUN
abrj-454	114	6	networks	network	NOUN
abrj-454	114	7	functioning	function	VERB
abrj-454	114	8	as	as	ADP
abrj-454	114	9	signals	signal	NOUN
abrj-454	114	10	of	of	ADP
abrj-454	114	11	creditworthiness	creditworthiness	NOUN
abrj-454	114	12	,	,	PUNCT
abrj-454	114	13	with	with	ADP
abrj-454	114	14	borrowers	borrower	NOUN
abrj-454	114	15	who	who	PRON
abrj-454	114	16	displayed	display	VERB
abrj-454	114	17	social	social	ADJ
abrj-454	114	18	connections	connection	NOUN
abrj-454	114	19	receiving	receive	VERB
abrj-454	114	20	funding	funding	NOUN
abrj-454	114	21	at	at	ADP
abrj-454	114	22	lower	low	ADJ
abrj-454	114	23	interest	interest	NOUN
abrj-454	114	24	rates	rate	NOUN
abrj-454	114	25	despite	despite	SCONJ
abrj-454	114	26	no	no	DET
abrj-454	114	27	difference	difference	NOUN
abrj-454	114	28	in	in	ADP
abrj-454	114	29	default	default	NOUN
abrj-454	114	30	rates	rate	NOUN
abrj-454	114	31	—	—	PUNCT
abrj-454	114	32	suggesting	suggest	VERB
abrj-454	114	33	potential	potential	ADJ
abrj-454	114	34	inefficiencies	inefficiency	NOUN
abrj-454	114	35	in	in	ADP
abrj-454	114	36	risk	risk	NOUN
abrj-454	114	37	assessment	assessment	NOUN
abrj-454	114	38	mechanisms	mechanism	NOUN
abrj-454	114	39	that	that	PRON
abrj-454	114	40	financial	financial	ADJ
abrj-454	114	41	literacy	literacy	NOUN
abrj-454	114	42	might	might	AUX
abrj-454	114	43	moderate	moderate	VERB
abrj-454	114	44	.	.	PUNCT
abrj-454	115	1	platform	platform	NOUN
abrj-454	115	2	design	design	NOUN
abrj-454	115	3	features	feature	VERB
abrj-454	115	4	significantly	significantly	ADV
abrj-454	115	5	influence	influence	VERB
abrj-454	115	6	user	user	NOUN
abrj-454	115	7	behaviour	behaviour	NOUN
abrj-454	115	8	within	within	ADP
abrj-454	115	9	digital	digital	ADJ
abrj-454	115	10	lending	lending	NOUN
abrj-454	115	11	environments	environment	NOUN
abrj-454	115	12	.	.	PUNCT
abrj-454	116	1	herzenstein	herzenstein	PROPN
abrj-454	116	2	et	et	PROPN
abrj-454	116	3	al	al	PROPN
abrj-454	116	4	.	.	PROPN
abrj-454	117	1	(	(	PUNCT
abrj-454	117	2	2011	2011	NUM
abrj-454	117	3	)	)	PUNCT
abrj-454	117	4	demonstrated	demonstrate	VERB
abrj-454	117	5	that	that	SCONJ
abrj-454	117	6	identity	identity	NOUN
abrj-454	117	7	verification	verification	NOUN
abrj-454	117	8	influenced	influence	VERB
abrj-454	117	9	funding	funding	NOUN
abrj-454	117	10	success	success	NOUN
abrj-454	117	11	,	,	PUNCT
abrj-454	117	12	with	with	ADP
abrj-454	117	13	borrowers	borrower	NOUN
abrj-454	117	14	providing	provide	VERB
abrj-454	117	15	verification	verification	NOUN
abrj-454	117	16	receiving	receive	VERB
abrj-454	117	17	58	58	NUM
abrj-454	117	18	%	%	NOUN
abrj-454	117	19	more	more	ADJ
abrj-454	117	20	funding	funding	NOUN
abrj-454	117	21	than	than	ADP
abrj-454	117	22	unverified	unverified	ADJ
abrj-454	117	23	borrowers	borrower	NOUN
abrj-454	117	24	.	.	PUNCT
abrj-454	118	1	similarly	similarly	ADV
abrj-454	118	2	,	,	PUNCT
abrj-454	118	3	kawai	kawai	PROPN
abrj-454	118	4	et	et	PROPN
abrj-454	118	5	al	al	PROPN
abrj-454	118	6	.	.	PROPN
abrj-454	119	1	(	(	PUNCT
abrj-454	119	2	2013	2013	NUM
abrj-454	119	3	)	)	PUNCT
abrj-454	119	4	established	establish	VERB
abrj-454	119	5	that	that	SCONJ
abrj-454	119	6	screening	screening	NOUN
abrj-454	119	7	mechanisms	mechanism	NOUN
abrj-454	119	8	significantly	significantly	ADV
abrj-454	119	9	reduced	reduce	VERB
abrj-454	119	10	adverse	adverse	ADJ
abrj-454	119	11	selection	selection	NOUN
abrj-454	119	12	problems	problem	NOUN
abrj-454	119	13	within	within	ADP
abrj-454	119	14	p2p	p2p	NOUN
abrj-454	119	15	platforms	platform	NOUN
abrj-454	119	16	.	.	PUNCT
abrj-454	120	1	these	these	DET
abrj-454	120	2	empirical	empirical	ADJ
abrj-454	120	3	findings	finding	NOUN
abrj-454	120	4	suggest	suggest	VERB
abrj-454	120	5	that	that	SCONJ
abrj-454	120	6	platform	platform	NOUN
abrj-454	120	7	architecture	architecture	NOUN
abrj-454	120	8	creates	create	VERB
abrj-454	120	9	distinctive	distinctive	ADJ
abrj-454	120	10	decision	decision	NOUN
abrj-454	120	11	environments	environment	NOUN
abrj-454	120	12	that	that	PRON
abrj-454	120	13	may	may	AUX
abrj-454	120	14	amplify	amplify	VERB
abrj-454	120	15	or	or	CCONJ
abrj-454	120	16	attenuate	attenuate	VERB
abrj-454	120	17	the	the	DET
abrj-454	120	18	effects	effect	NOUN
abrj-454	120	19	of	of	ADP
abrj-454	120	20	financial	financial	ADJ
abrj-454	120	21	literacy	literacy	NOUN
abrj-454	120	22	on	on	ADP
abrj-454	120	23	decision	decision	NOUN
abrj-454	120	24	outcomes	outcome	NOUN
abrj-454	120	25	.	.	PUNCT
abrj-454	121	1	demographic	demographic	ADJ
abrj-454	121	2	factors	factor	NOUN
abrj-454	121	3	significantly	significantly	ADV
abrj-454	121	4	influence	influence	VERB
abrj-454	121	5	digital	digital	ADJ
abrj-454	121	6	financial	financial	ADJ
abrj-454	121	7	behaviour	behaviour	NOUN
abrj-454	121	8	,	,	PUNCT
abrj-454	121	9	creating	create	VERB
abrj-454	121	10	potential	potential	ADJ
abrj-454	121	11	interaction	interaction	NOUN
abrj-454	121	12	effects	effect	NOUN
abrj-454	121	13	with	with	ADP
abrj-454	121	14	financial	financial	ADJ
abrj-454	121	15	literacy	literacy	NOUN
abrj-454	121	16	.	.	PUNCT
abrj-454	122	1	pope	pope	NOUN
abrj-454	122	2	and	and	CCONJ
abrj-454	122	3	sydnor	sydnor	NOUN
abrj-454	122	4	(	(	PUNCT
abrj-454	122	5	2011	2011	NUM
abrj-454	122	6	)	)	PUNCT
abrj-454	122	7	documented	document	VERB
abrj-454	122	8	significant	significant	ADJ
abrj-454	122	9	racial	racial	ADJ
abrj-454	122	10	disparities	disparity	NOUN
abrj-454	122	11	in	in	ADP
abrj-454	122	12	p2p	p2p	NOUN
abrj-454	122	13	lending	lend	VERB
abrj-454	122	14	outcomes	outcome	NOUN
abrj-454	122	15	,	,	PUNCT
abrj-454	122	16	with	with	ADP
abrj-454	122	17	loan	loan	NOUN
abrj-454	122	18	requests	request	NOUN
abrj-454	122	19	from	from	ADP
abrj-454	122	20	black	black	ADJ
abrj-454	122	21	borrowers	borrower	NOUN
abrj-454	122	22	25	25	NUM
abrj-454	122	23	-	-	SYM
abrj-454	122	24	40	40	NUM
abrj-454	122	25	%	%	NOUN
abrj-454	122	26	less	less	ADV
abrj-454	122	27	likely	likely	ADJ
abrj-454	122	28	to	to	PART
abrj-454	122	29	receive	receive	VERB
abrj-454	122	30	funding	funding	NOUN
abrj-454	122	31	than	than	ADP
abrj-454	122	32	identical	identical	ADJ
abrj-454	122	33	requests	request	NOUN
abrj-454	122	34	from	from	ADP
abrj-454	122	35	white	white	ADJ
abrj-454	122	36	borrowers	borrower	NOUN
abrj-454	122	37	.	.	PUNCT
abrj-454	123	1	ravina	ravina	PROPN
abrj-454	123	2	(	(	PUNCT
abrj-454	123	3	2012	2012	NUM
abrj-454	123	4	)	)	PUNCT
abrj-454	123	5	further	far	ADV
abrj-454	123	6	established	establish	VERB
abrj-454	123	7	beauty	beauty	NOUN
abrj-454	123	8	premiums	premium	NOUN
abrj-454	123	9	within	within	ADP
abrj-454	123	10	lending	lending	NOUN
abrj-454	123	11	decisions	decision	NOUN
abrj-454	123	12	,	,	PUNCT
abrj-454	123	13	with	with	ADP
abrj-454	123	14	attractive	attractive	ADJ
abrj-454	123	15	borrowers	borrower	NOUN
abrj-454	123	16	receiving	receive	VERB
abrj-454	123	17	funding	funding	NOUN
abrj-454	123	18	at	at	ADP
abrj-454	123	19	interest	interest	NOUN
abrj-454	123	20	rates	rate	NOUN
abrj-454	123	21	1.5	1.5	NUM
abrj-454	123	22	percentage	percentage	NOUN
abrj-454	123	23	points	point	NOUN
abrj-454	123	24	lower	low	ADJ
abrj-454	123	25	than	than	ADP
abrj-454	123	26	equally	equally	ADV
abrj-454	123	27	qualified	qualified	ADJ
abrj-454	123	28	but	but	CCONJ
abrj-454	123	29	less	less	ADV
abrj-454	123	30	attractive	attractive	ADJ
abrj-454	123	31	counterparts	counterpart	NOUN
abrj-454	123	32	.	.	PUNCT
abrj-454	124	1	these	these	DET
abrj-454	124	2	findings	finding	NOUN
abrj-454	124	3	suggest	suggest	VERB
abrj-454	124	4	that	that	SCONJ
abrj-454	124	5	non	non	ADJ
abrj-454	124	6	-	-	ADJ
abrj-454	124	7	financial	financial	ADJ
abrj-454	124	8	factors	factor	NOUN
abrj-454	124	9	significantly	significantly	ADV
abrj-454	124	10	influence	influence	VERB
abrj-454	124	11	digital	digital	ADJ
abrj-454	124	12	lending	lending	NOUN
abrj-454	124	13	decisions	decision	NOUN
abrj-454	124	14	,	,	PUNCT
abrj-454	124	15	potentially	potentially	ADV
abrj-454	124	16	creating	create	VERB
abrj-454	124	17	contexts	context	NOUN
abrj-454	124	18	where	where	SCONJ
abrj-454	124	19	financial	financial	ADJ
abrj-454	124	20	literacy	literacy	NOUN
abrj-454	124	21	effects	effect	NOUN
abrj-454	124	22	may	may	AUX
abrj-454	124	23	be	be	AUX
abrj-454	124	24	diminished	diminish	VERB
abrj-454	124	25	or	or	CCONJ
abrj-454	124	26	enhanced	enhance	VERB
abrj-454	124	27	.	.	PUNCT
abrj-454	125	1	2.2.3	2.2.3	X
abrj-454	125	2	.	.	PUNCT
abrj-454	125	3	financial	financial	ADJ
abrj-454	125	4	technology	technology	NOUN
abrj-454	125	5	adoption	adoption	NOUN
abrj-454	125	6	in	in	ADP
abrj-454	125	7	emerging	emerge	VERB
abrj-454	125	8	economies	economy	NOUN
abrj-454	125	9	empirical	empirical	ADJ
abrj-454	125	10	research	research	NOUN
abrj-454	125	11	examining	examine	VERB
abrj-454	125	12	financial	financial	ADJ
abrj-454	125	13	technology	technology	NOUN
abrj-454	125	14	adoption	adoption	NOUN
abrj-454	125	15	within	within	ADP
abrj-454	125	16	emerging	emerge	VERB
abrj-454	125	17	economies	economy	NOUN
abrj-454	125	18	has	have	AUX
abrj-454	125	19	documented	document	VERB
abrj-454	125	20	distinctive	distinctive	ADJ
abrj-454	125	21	patterns	pattern	NOUN
abrj-454	125	22	that	that	PRON
abrj-454	125	23	differentiate	differentiate	VERB
abrj-454	125	24	these	these	DET
abrj-454	125	25	contexts	context	NOUN
abrj-454	125	26	from	from	ADP
abrj-454	125	27	developed	develop	VERB
abrj-454	125	28	markets	market	NOUN
abrj-454	125	29	.	.	PUNCT
abrj-454	126	1	jack	jack	PROPN
abrj-454	126	2	and	and	CCONJ
abrj-454	126	3	suri	suri	PROPN
abrj-454	126	4	(	(	PUNCT
abrj-454	126	5	2014	2014	NUM
abrj-454	126	6	)	)	PUNCT
abrj-454	126	7	examined	examine	VERB
abrj-454	126	8	mobile	mobile	ADJ
abrj-454	126	9	money	money	NOUN
abrj-454	126	10	adoption	adoption	NOUN
abrj-454	126	11	in	in	ADP
abrj-454	126	12	kenya	kenya	NOUN
abrj-454	126	13	,	,	PUNCT
abrj-454	126	14	finding	find	VERB
abrj-454	126	15	that	that	SCONJ
abrj-454	126	16	availability	availability	NOUN
abrj-454	126	17	of	of	ADP
abrj-454	126	18	mobile	mobile	ADJ
abrj-454	126	19	financial	financial	ADJ
abrj-454	126	20	services	service	NOUN
abrj-454	126	21	reduced	reduce	VERB
abrj-454	126	22	consumption	consumption	NOUN
abrj-454	126	23	volatility	volatility	NOUN
abrj-454	126	24	by	by	ADP
abrj-454	126	25	11.8	11.8	NUM
abrj-454	126	26	percentage	percentage	NOUN
abrj-454	126	27	points	point	NOUN
abrj-454	126	28	by	by	ADP
abrj-454	126	29	enabling	enable	VERB
abrj-454	126	30	households	household	NOUN
abrj-454	126	31	to	to	PART
abrj-454	126	32	receive	receive	VERB
abrj-454	126	33	remittances	remittance	NOUN
abrj-454	126	34	from	from	ADP
abrj-454	126	35	a	a	DET
abrj-454	126	36	wider	wide	ADJ
abrj-454	126	37	network	network	NOUN
abrj-454	126	38	during	during	ADP
abrj-454	126	39	economic	economic	ADJ
abrj-454	126	40	shocks	shock	NOUN
abrj-454	126	41	.	.	PUNCT
abrj-454	127	1	this	this	DET
abrj-454	127	2	finding	finding	NOUN
abrj-454	127	3	suggests	suggest	VERB
abrj-454	127	4	that	that	SCONJ
abrj-454	127	5	digital	digital	ADJ
abrj-454	127	6	financial	financial	ADJ
abrj-454	127	7	services	service	NOUN
abrj-454	127	8	fulfil	fulfil	VERB
abrj-454	127	9	distinctive	distinctive	ADJ
abrj-454	127	10	functions	function	NOUN
abrj-454	127	11	within	within	ADP
abrj-454	127	12	emerging	emerge	VERB
abrj-454	127	13	economies	economy	NOUN
abrj-454	127	14	,	,	PUNCT
abrj-454	127	15	potentially	potentially	ADV
abrj-454	127	16	creating	create	VERB
abrj-454	127	17	different	different	ADJ
abrj-454	127	18	adoption	adoption	NOUN
abrj-454	127	19	motivations	motivation	NOUN
abrj-454	127	20	than	than	SCONJ
abrj-454	127	21	observed	observe	VERB
abrj-454	127	22	in	in	ADP
abrj-454	127	23	developed	develop	VERB
abrj-454	127	24	markets	market	NOUN
abrj-454	127	25	.	.	PUNCT
abrj-454	128	1	institutional	institutional	ADJ
abrj-454	128	2	factors	factor	NOUN
abrj-454	128	3	significantly	significantly	ADV
abrj-454	128	4	influence	influence	VERB
abrj-454	128	5	fintech	fintech	NOUN
abrj-454	128	6	adoption	adoption	NOUN
abrj-454	128	7	within	within	ADP
abrj-454	128	8	emerging	emerge	VERB
abrj-454	128	9	economies	economy	NOUN
abrj-454	128	10	.	.	PUNCT
abrj-454	129	1	demirgüç	demirgüç	PROPN
abrj-454	129	2	-	-	PUNCT
abrj-454	129	3	kunt	kunt	PROPN
abrj-454	129	4	et	et	PROPN
abrj-454	129	5	al	al	PROPN
abrj-454	129	6	.	.	PROPN
abrj-454	130	1	(	(	PUNCT
abrj-454	130	2	2015	2015	NUM
abrj-454	130	3	)	)	PUNCT
abrj-454	130	4	found	find	VERB
abrj-454	130	5	that	that	SCONJ
abrj-454	130	6	regulatory	regulatory	ADJ
abrj-454	130	7	quality	quality	NOUN
abrj-454	130	8	predicted	predict	VERB
abrj-454	130	9	digital	digital	ADJ
abrj-454	130	10	financial	financial	ADJ
abrj-454	130	11	inclusion	inclusion	NOUN
abrj-454	130	12	independent	independent	ADJ
abrj-454	130	13	of	of	ADP
abrj-454	130	14	economic	economic	ADJ
abrj-454	130	15	development	development	NOUN
abrj-454	130	16	,	,	PUNCT
abrj-454	130	17	with	with	ADP
abrj-454	130	18	clear	clear	ADJ
abrj-454	130	19	legal	legal	ADJ
abrj-454	130	20	frameworks	framework	NOUN
abrj-454	130	21	regarding	regard	VERB
abrj-454	130	22	digital	digital	ADJ
abrj-454	130	23	transactions	transaction	NOUN
abrj-454	130	24	significantly	significantly	ADV
abrj-454	130	25	accelerating	accelerate	VERB
abrj-454	130	26	adoption	adoption	NOUN
abrj-454	130	27	.	.	PUNCT
abrj-454	131	1	within	within	ADP
abrj-454	131	2	vietnam	vietnam	PROPN
abrj-454	131	3	specifically	specifically	ADV
abrj-454	131	4	,	,	PUNCT
abrj-454	131	5	world	world	PROPN
abrj-454	131	6	bank	bank	PROPN
abrj-454	131	7	(	(	PUNCT
abrj-454	131	8	2017	2017	NUM
abrj-454	131	9	)	)	PUNCT
abrj-454	131	10	research	research	NOUN
abrj-454	131	11	documented	document	VERB
abrj-454	131	12	how	how	SCONJ
abrj-454	131	13	the	the	DET
abrj-454	131	14	lack	lack	NOUN
abrj-454	131	15	of	of	ADP
abrj-454	131	16	comprehensive	comprehensive	ADJ
abrj-454	131	17	regulatory	regulatory	ADJ
abrj-454	131	18	frameworks	framework	NOUN
abrj-454	131	19	for	for	ADP
abrj-454	131	20	p2p	p2p	NOUN
abrj-454	131	21	lending	lending	NOUN
abrj-454	131	22	created	create	VERB
abrj-454	131	23	uncertainty	uncertainty	NOUN
abrj-454	131	24	that	that	PRON
abrj-454	131	25	influenced	influence	VERB
abrj-454	131	26	risk	risk	NOUN
abrj-454	131	27	perceptions	perception	NOUN
abrj-454	131	28	among	among	ADP
abrj-454	131	29	potential	potential	ADJ
abrj-454	131	30	users	user	NOUN
abrj-454	131	31	.	.	PUNCT
abrj-454	132	1	these	these	DET
abrj-454	132	2	findings	finding	NOUN
abrj-454	132	3	suggest	suggest	VERB
abrj-454	132	4	the	the	DET
abrj-454	132	5	importance	importance	NOUN
abrj-454	132	6	of	of	ADP
abrj-454	132	7	examining	examine	VERB
abrj-454	132	8	institutional	institutional	ADJ
abrj-454	132	9	context	context	NOUN
abrj-454	132	10	when	when	SCONJ
abrj-454	132	11	assessing	assess	VERB
abrj-454	132	12	financial	financial	ADJ
abrj-454	132	13	literacy	literacy	NOUN
abrj-454	132	14	effects	effect	NOUN
abrj-454	132	15	within	within	ADP
abrj-454	132	16	emerging	emerge	VERB
abrj-454	132	17	economies	economy	NOUN
abrj-454	132	18	.	.	PUNCT
abrj-454	133	1	cultural	cultural	ADJ
abrj-454	133	2	factors	factor	NOUN
abrj-454	133	3	significantly	significantly	ADV
abrj-454	133	4	moderate	moderate	VERB
abrj-454	133	5	technology	technology	NOUN
abrj-454	133	6	adoption	adoption	NOUN
abrj-454	133	7	patterns	pattern	NOUN
abrj-454	133	8	across	across	ADP
abrj-454	133	9	national	national	ADJ
abrj-454	133	10	contexts	contexts	NOUN
abrj-454	133	11	.	.	PUNCT
abrj-454	134	1	tam	tam	PROPN
abrj-454	134	2	and	and	CCONJ
abrj-454	134	3	oliveira	oliveira	PROPN
abrj-454	134	4	(	(	PUNCT
abrj-454	134	5	2017	2017	NUM
abrj-454	134	6	)	)	PUNCT
abrj-454	134	7	established	establish	VERB
abrj-454	134	8	that	that	PRON
abrj-454	134	9	hofstede	hofstede	NOUN
abrj-454	134	10	's	's	PART
abrj-454	134	11	cultural	cultural	ADJ
abrj-454	134	12	dimensions	dimension	NOUN
abrj-454	134	13	significantly	significantly	ADV
abrj-454	134	14	predicted	predict	VERB
abrj-454	134	15	mobile	mobile	ADJ
abrj-454	134	16	banking	banking	NOUN
abrj-454	134	17	adoption	adoption	NOUN
abrj-454	134	18	patterns	pattern	NOUN
abrj-454	134	19	,	,	PUNCT
abrj-454	134	20	with	with	ADP
abrj-454	134	21	uncertainty	uncertainty	NOUN
abrj-454	134	22	avoidance	avoidance	NOUN
abrj-454	134	23	demonstrating	demonstrate	VERB
abrj-454	134	24	particularly	particularly	ADV
abrj-454	134	25	strong	strong	ADJ
abrj-454	134	26	effects	effect	NOUN
abrj-454	134	27	.	.	PUNCT
abrj-454	135	1	within	within	ADP
abrj-454	135	2	the	the	DET
abrj-454	135	3	vietnamese	vietnamese	ADJ
abrj-454	135	4	context	context	NOUN
abrj-454	135	5	specifically	specifically	ADV
abrj-454	135	6	,	,	PUNCT
abrj-454	135	7	collectivist	collectivist	ADJ
abrj-454	135	8	cultural	cultural	ADJ
abrj-454	135	9	orientations	orientation	NOUN
abrj-454	135	10	may	may	AUX
abrj-454	135	11	influence	influence	VERB
abrj-454	135	12	digital	digital	ADJ
abrj-454	135	13	lending	lending	NOUN
abrj-454	135	14	behaviour	behaviour	NOUN
abrj-454	135	15	through	through	ADP
abrj-454	135	16	distinctive	distinctive	ADJ
abrj-454	135	17	social	social	ADJ
abrj-454	135	18	trust	trust	NOUN
abrj-454	135	19	mechanisms	mechanism	NOUN
abrj-454	135	20	and	and	CCONJ
abrj-454	135	21	group	group	NOUN
abrj-454	135	22	-	-	PUNCT
abrj-454	135	23	oriented	orient	VERB
abrj-454	135	24	decision	decision	NOUN
abrj-454	135	25	processes	process	NOUN
abrj-454	135	26	(	(	PUNCT
abrj-454	135	27	vuong	vuong	PROPN
abrj-454	135	28	&	&	CCONJ
abrj-454	135	29	napier	napier	PROPN
abrj-454	135	30	,	,	PUNCT
abrj-454	135	31	2014	2014	NUM
abrj-454	135	32	)	)	PUNCT
abrj-454	135	33	.	.	PUNCT
abrj-454	136	1	these	these	DET
abrj-454	136	2	empirical	empirical	ADJ
abrj-454	136	3	findings	finding	NOUN
abrj-454	136	4	suggest	suggest	VERB
abrj-454	136	5	the	the	DET
abrj-454	136	6	importance	importance	NOUN
abrj-454	136	7	of	of	ADP
abrj-454	136	8	examining	examine	VERB
abrj-454	136	9	cultural	cultural	ADJ
abrj-454	136	10	moderation	moderation	NOUN
abrj-454	136	11	of	of	ADP
abrj-454	136	12	financial	financial	ADJ
abrj-454	136	13	literacy	literacy	NOUN
abrj-454	136	14	effects	effect	NOUN
abrj-454	136	15	rather	rather	ADV
abrj-454	136	16	than	than	ADP
abrj-454	136	17	assuming	assume	VERB
abrj-454	136	18	universal	universal	ADJ
abrj-454	136	19	mechanisms	mechanism	NOUN
abrj-454	136	20	.	.	PUNCT
abrj-454	137	1	access	access	NOUN
abrj-454	137	2	barriers	barrier	NOUN
abrj-454	137	3	remain	remain	VERB
abrj-454	137	4	significant	significant	ADJ
abrj-454	137	5	within	within	ADP
abrj-454	137	6	emerging	emerge	VERB
abrj-454	137	7	economies	economy	NOUN
abrj-454	137	8	despite	despite	SCONJ
abrj-454	137	9	rapid	rapid	ADJ
abrj-454	137	10	technological	technological	ADJ
abrj-454	137	11	diffusion	diffusion	NOUN
abrj-454	137	12	.	.	PUNCT
abrj-454	138	1	research	research	NOUN
abrj-454	138	2	by	by	ADP
abrj-454	138	3	klapper	klapper	PROPN
abrj-454	138	4	et	et	PROPN
abrj-454	138	5	al	al	PROPN
abrj-454	138	6	.	.	PROPN
abrj-454	139	1	(	(	PUNCT
abrj-454	139	2	2015	2015	NUM
abrj-454	139	3	)	)	PUNCT
abrj-454	139	4	documented	document	VERB
abrj-454	139	5	substantial	substantial	ADJ
abrj-454	139	6	urban	urban	ADJ
abrj-454	139	7	-	-	PUNCT
abrj-454	139	8	rural	rural	ADJ
abrj-454	139	9	divides	divide	NOUN
abrj-454	139	10	in	in	ADP
abrj-454	139	11	digital	digital	ADJ
abrj-454	139	12	financial	financial	ADJ
abrj-454	139	13	service	service	NOUN
abrj-454	139	14	access	access	NOUN
abrj-454	139	15	,	,	PUNCT
abrj-454	139	16	with	with	ADP
abrj-454	139	17	rural	rural	ADJ
abrj-454	139	18	populations	population	NOUN
abrj-454	139	19	facing	face	VERB
abrj-454	139	20	both	both	CCONJ
abrj-454	139	21	infrastructural	infrastructural	ADJ
abrj-454	139	22	and	and	CCONJ
abrj-454	139	23	educational	educational	ADJ
abrj-454	139	24	barriers	barrier	NOUN
abrj-454	139	25	.	.	PUNCT
abrj-454	140	1	within	within	ADP
abrj-454	140	2	vietnam	vietnam	PROPN
abrj-454	140	3	specifically	specifically	ADV
abrj-454	140	4	,	,	PUNCT
abrj-454	140	5	the	the	DET
abrj-454	140	6	world	world	PROPN
abrj-454	140	7	bank	bank	PROPN
abrj-454	140	8	(	(	PUNCT
abrj-454	140	9	2017	2017	NUM
abrj-454	140	10	)	)	PUNCT
abrj-454	140	11	found	find	VERB
abrj-454	140	12	that	that	SCONJ
abrj-454	140	13	while	while	SCONJ
abrj-454	140	14	72	72	NUM
abrj-454	140	15	%	%	NOUN
abrj-454	140	16	of	of	ADP
abrj-454	140	17	urban	urban	ADJ
abrj-454	140	18	residents	resident	NOUN
abrj-454	140	19	accessed	access	VERB
abrj-454	140	20	digital	digital	ADJ
abrj-454	140	21	financial	financial	ADJ
abrj-454	140	22	services	service	NOUN
abrj-454	140	23	,	,	PUNCT
abrj-454	140	24	only	only	ADV
abrj-454	140	25	43	43	NUM
abrj-454	140	26	%	%	NOUN
abrj-454	140	27	of	of	ADP
abrj-454	140	28	rural	rural	ADJ
abrj-454	140	29	residents	resident	NOUN
abrj-454	140	30	did	do	AUX
abrj-454	140	31	so	so	ADV
abrj-454	140	32	—	—	PUNCT
abrj-454	140	33	suggesting	suggest	VERB
abrj-454	140	34	the	the	DET
abrj-454	140	35	operation	operation	NOUN
abrj-454	140	36	of	of	ADP
abrj-454	140	37	significant	significant	ADJ
abrj-454	140	38	digital	digital	ADJ
abrj-454	140	39	divides	divide	NOUN
abrj-454	140	40	that	that	PRON
abrj-454	140	41	may	may	AUX
abrj-454	140	42	influence	influence	VERB
abrj-454	140	43	the	the	DET
abrj-454	140	44	composition	composition	NOUN
abrj-454	140	45	of	of	ADP
abrj-454	140	46	current	current	ADJ
abrj-454	140	47	p2p	p2p	NOUN
abrj-454	140	48	platform	platform	NOUN
abrj-454	140	49	users	user	NOUN
abrj-454	140	50	.	.	PUNCT
abrj-454	141	1	asian	asian	ADJ
abrj-454	141	2	business	business	PROPN
abrj-454	141	3	research	research	NOUN
abrj-454	141	4	journal	journal	NOUN
abrj-454	141	5	,	,	PUNCT
abrj-454	141	6	2025	2025	NUM
abrj-454	141	7	,	,	PUNCT
abrj-454	141	8	10(5	10(5	NUM
abrj-454	141	9	):	):	PUNCT
abrj-454	141	10	106	106	NUM
abrj-454	141	11	-	-	SYM
abrj-454	141	12	119	119	NUM
abrj-454	141	13	110	110	NUM
abrj-454	141	14	©	©	PROPN
abrj-454	141	15	2025	2025	NUM
abrj-454	141	16	by	by	ADP
abrj-454	141	17	the	the	DET
abrj-454	141	18	author	author	NOUN
abrj-454	141	19	;	;	PUNCT
abrj-454	141	20	licensee	licensee	NOUN
abrj-454	141	21	eastern	eastern	ADJ
abrj-454	141	22	centre	centre	NOUN
abrj-454	141	23	of	of	ADP
abrj-454	141	24	science	science	NOUN
abrj-454	141	25	and	and	CCONJ
abrj-454	141	26	education	education	NOUN
abrj-454	141	27	,	,	PUNCT
abrj-454	141	28	usa	usa	PROPN
abrj-454	141	29	financial	financial	ADJ
abrj-454	141	30	inclusion	inclusion	NOUN
abrj-454	141	31	motivations	motivation	NOUN
abrj-454	141	32	differ	differ	VERB
abrj-454	141	33	significantly	significantly	ADV
abrj-454	141	34	between	between	ADP
abrj-454	141	35	developed	developed	ADJ
abrj-454	141	36	and	and	CCONJ
abrj-454	141	37	emerging	emerge	VERB
abrj-454	141	38	economies	economy	NOUN
abrj-454	141	39	.	.	PUNCT
abrj-454	142	1	demirgüçkunt	demirgüçkunt	PROPN
abrj-454	142	2	and	and	CCONJ
abrj-454	142	3	klapper	klapper	PROPN
abrj-454	142	4	(	(	PUNCT
abrj-454	142	5	2013	2013	NUM
abrj-454	142	6	)	)	PUNCT
abrj-454	142	7	found	find	VERB
abrj-454	142	8	that	that	SCONJ
abrj-454	142	9	while	while	SCONJ
abrj-454	142	10	convenience	convenience	NOUN
abrj-454	142	11	predominantly	predominantly	ADV
abrj-454	142	12	drives	drive	VERB
abrj-454	142	13	digital	digital	ADJ
abrj-454	142	14	financial	financial	ADJ
abrj-454	142	15	service	service	NOUN
abrj-454	142	16	adoption	adoption	NOUN
abrj-454	142	17	in	in	ADP
abrj-454	142	18	developed	develop	VERB
abrj-454	142	19	economies	economy	NOUN
abrj-454	142	20	,	,	PUNCT
abrj-454	142	21	access	access	NOUN
abrj-454	142	22	to	to	ADP
abrj-454	142	23	otherwise	otherwise	ADV
abrj-454	142	24	unavailable	unavailable	ADJ
abrj-454	142	25	formal	formal	ADJ
abrj-454	142	26	financial	financial	ADJ
abrj-454	142	27	services	service	NOUN
abrj-454	142	28	drives	drive	VERB
abrj-454	142	29	adoption	adoption	NOUN
abrj-454	142	30	in	in	ADP
abrj-454	142	31	emerging	emerge	VERB
abrj-454	142	32	economies	economy	NOUN
abrj-454	142	33	.	.	PUNCT
abrj-454	143	1	this	this	DET
abrj-454	143	2	finding	finding	NOUN
abrj-454	143	3	suggests	suggest	VERB
abrj-454	143	4	that	that	SCONJ
abrj-454	143	5	p2p	p2p	NOUN
abrj-454	143	6	lending	lending	NOUN
abrj-454	143	7	platforms	platform	NOUN
abrj-454	143	8	may	may	AUX
abrj-454	143	9	fulfil	fulfil	VERB
abrj-454	143	10	fundamentally	fundamentally	ADV
abrj-454	143	11	different	different	ADJ
abrj-454	143	12	market	market	NOUN
abrj-454	143	13	functions	function	NOUN
abrj-454	143	14	within	within	ADP
abrj-454	143	15	the	the	DET
abrj-454	143	16	vietnamese	vietnamese	ADJ
abrj-454	143	17	context	context	NOUN
abrj-454	143	18	compared	compare	VERB
abrj-454	143	19	to	to	ADP
abrj-454	143	20	developed	develop	VERB
abrj-454	143	21	markets	market	NOUN
abrj-454	143	22	,	,	PUNCT
abrj-454	143	23	potentially	potentially	ADV
abrj-454	143	24	attracting	attract	VERB
abrj-454	143	25	users	user	NOUN
abrj-454	143	26	with	with	ADP
abrj-454	143	27	distinctive	distinctive	ADJ
abrj-454	143	28	demographic	demographic	ADJ
abrj-454	143	29	and	and	CCONJ
abrj-454	143	30	psychographic	psychographic	ADJ
abrj-454	143	31	profiles	profile	NOUN
abrj-454	143	32	.	.	PUNCT
abrj-454	144	1	2.3	2.3	NUM
abrj-454	144	2	.	.	PUNCT
abrj-454	144	3	proposed	propose	VERB
abrj-454	144	4	research	research	NOUN
abrj-454	144	5	model	model	NOUN
abrj-454	144	6	based	base	VERB
abrj-454	144	7	on	on	ADP
abrj-454	144	8	the	the	DET
abrj-454	144	9	theoretical	theoretical	ADJ
abrj-454	144	10	foundations	foundation	NOUN
abrj-454	144	11	and	and	CCONJ
abrj-454	144	12	empirical	empirical	ADJ
abrj-454	144	13	findings	finding	NOUN
abrj-454	144	14	reviewed	review	VERB
abrj-454	144	15	above	above	ADV
abrj-454	144	16	,	,	PUNCT
abrj-454	144	17	this	this	DET
abrj-454	144	18	study	study	NOUN
abrj-454	144	19	proposes	propose	VERB
abrj-454	144	20	an	an	DET
abrj-454	144	21	integrated	integrated	ADJ
abrj-454	144	22	research	research	NOUN
abrj-454	144	23	model	model	NOUN
abrj-454	144	24	examining	examine	VERB
abrj-454	144	25	the	the	DET
abrj-454	144	26	financial	financial	ADJ
abrj-454	144	27	literacy	literacy	NOUN
abrj-454	144	28	-	-	PUNCT
abrj-454	144	29	digital	digital	ADJ
abrj-454	144	30	consumer	consumer	NOUN
abrj-454	144	31	behaviour	behaviour	NOUN
abrj-454	144	32	nexus	nexus	NOUN
abrj-454	144	33	within	within	ADP
abrj-454	144	34	vietnam	vietnam	PROPN
abrj-454	144	35	's	's	PART
abrj-454	144	36	p2p	p2p	NOUN
abrj-454	144	37	lending	lending	NOUN
abrj-454	144	38	ecosystem	ecosystem	NOUN
abrj-454	144	39	.	.	PUNCT
abrj-454	145	1	the	the	DET
abrj-454	145	2	proposed	propose	VERB
abrj-454	145	3	model	model	NOUN
abrj-454	145	4	conceptualises	conceptualise	VERB
abrj-454	145	5	financial	financial	ADJ
abrj-454	145	6	literacy	literacy	NOUN
abrj-454	145	7	as	as	ADP
abrj-454	145	8	a	a	DET
abrj-454	145	9	multidimensional	multidimensional	ADJ
abrj-454	145	10	construct	construct	NOUN
abrj-454	145	11	comprising	comprising	NOUN
abrj-454	145	12	cognitive	cognitive	NOUN
abrj-454	145	13	,	,	PUNCT
abrj-454	145	14	attitudinal	attitudinal	ADJ
abrj-454	145	15	,	,	PUNCT
abrj-454	145	16	and	and	CCONJ
abrj-454	145	17	behavioural	behavioural	ADJ
abrj-454	145	18	dimensions	dimension	NOUN
abrj-454	145	19	that	that	PRON
abrj-454	145	20	influence	influence	VERB
abrj-454	145	21	consumer	consumer	NOUN
abrj-454	145	22	decision	decision	NOUN
abrj-454	145	23	-	-	PUNCT
abrj-454	145	24	making	making	NOUN
abrj-454	145	25	through	through	ADP
abrj-454	145	26	multiple	multiple	ADJ
abrj-454	145	27	pathways	pathway	NOUN
abrj-454	145	28	,	,	PUNCT
abrj-454	145	29	moderated	moderate	VERB
abrj-454	145	30	by	by	ADP
abrj-454	145	31	individual	individual	ADJ
abrj-454	145	32	and	and	CCONJ
abrj-454	145	33	contextual	contextual	ADJ
abrj-454	145	34	factors	factor	NOUN
abrj-454	145	35	.	.	PUNCT
abrj-454	146	1	the	the	DET
abrj-454	146	2	primary	primary	ADJ
abrj-454	146	3	dependent	dependent	ADJ
abrj-454	146	4	variable	variable	NOUN
abrj-454	146	5	within	within	ADP
abrj-454	146	6	this	this	DET
abrj-454	146	7	research	research	NOUN
abrj-454	146	8	model	model	NOUN
abrj-454	146	9	is	be	AUX
abrj-454	146	10	p2p	p2p	NOUN
abrj-454	146	11	platform	platform	NOUN
abrj-454	146	12	adoption	adoption	NOUN
abrj-454	146	13	and	and	CCONJ
abrj-454	146	14	utilisation	utilisation	NOUN
abrj-454	146	15	,	,	PUNCT
abrj-454	146	16	conceptualised	conceptualise	VERB
abrj-454	146	17	as	as	ADP
abrj-454	146	18	a	a	DET
abrj-454	146	19	multidimensional	multidimensional	ADJ
abrj-454	146	20	construct	construct	NOUN
abrj-454	146	21	comprising	comprising	NOUN
abrj-454	146	22	initial	initial	ADJ
abrj-454	146	23	adoption	adoption	NOUN
abrj-454	146	24	,	,	PUNCT
abrj-454	146	25	usage	usage	NOUN
abrj-454	146	26	intensity	intensity	NOUN
abrj-454	146	27	,	,	PUNCT
abrj-454	146	28	and	and	CCONJ
abrj-454	146	29	transaction	transaction	NOUN
abrj-454	146	30	complexity	complexity	NOUN
abrj-454	146	31	.	.	PUNCT
abrj-454	147	1	this	this	DET
abrj-454	147	2	operationalisation	operationalisation	NOUN
abrj-454	147	3	draws	draw	VERB
abrj-454	147	4	upon	upon	SCONJ
abrj-454	147	5	innovation	innovation	NOUN
abrj-454	147	6	diffusion	diffusion	NOUN
abrj-454	147	7	theory	theory	NOUN
abrj-454	147	8	(	(	PUNCT
abrj-454	147	9	rogers	roger	NOUN
abrj-454	147	10	,	,	PUNCT
abrj-454	147	11	2003	2003	NUM
abrj-454	147	12	)	)	PUNCT
abrj-454	147	13	and	and	CCONJ
abrj-454	147	14	technology	technology	NOUN
abrj-454	147	15	acceptance	acceptance	NOUN
abrj-454	147	16	models	model	NOUN
abrj-454	147	17	(	(	PUNCT
abrj-454	147	18	davis	davis	PROPN
abrj-454	147	19	,	,	PUNCT
abrj-454	147	20	1989	1989	NUM
abrj-454	147	21	)	)	PUNCT
abrj-454	147	22	,	,	PUNCT
abrj-454	147	23	recognising	recognise	VERB
abrj-454	147	24	that	that	SCONJ
abrj-454	147	25	digital	digital	ADJ
abrj-454	147	26	financial	financial	ADJ
abrj-454	147	27	engagement	engagement	NOUN
abrj-454	147	28	occurs	occur	VERB
abrj-454	147	29	along	along	ADP
abrj-454	147	30	a	a	DET
abrj-454	147	31	continuum	continuum	NOUN
abrj-454	147	32	rather	rather	ADV
abrj-454	147	33	than	than	ADP
abrj-454	147	34	as	as	ADP
abrj-454	147	35	a	a	DET
abrj-454	147	36	binary	binary	ADJ
abrj-454	147	37	state	state	NOUN
abrj-454	147	38	.	.	PUNCT
abrj-454	148	1	the	the	DET
abrj-454	148	2	empirical	empirical	ADJ
abrj-454	148	3	evidence	evidence	NOUN
abrj-454	148	4	suggests	suggest	VERB
abrj-454	148	5	that	that	SCONJ
abrj-454	148	6	different	different	ADJ
abrj-454	148	7	dimensions	dimension	NOUN
abrj-454	148	8	of	of	ADP
abrj-454	148	9	financial	financial	ADJ
abrj-454	148	10	literacy	literacy	NOUN
abrj-454	148	11	may	may	AUX
abrj-454	148	12	differentially	differentially	ADV
abrj-454	148	13	influence	influence	VERB
abrj-454	148	14	these	these	DET
abrj-454	148	15	adoption	adoption	NOUN
abrj-454	148	16	dimensions	dimension	NOUN
abrj-454	148	17	,	,	PUNCT
abrj-454	148	18	necessitating	necessitate	VERB
abrj-454	148	19	a	a	DET
abrj-454	148	20	nuanced	nuanced	ADJ
abrj-454	148	21	conceptualisation	conceptualisation	NOUN
abrj-454	148	22	of	of	ADP
abrj-454	148	23	platform	platform	NOUN
abrj-454	148	24	engagement	engagement	NOUN
abrj-454	148	25	(	(	PUNCT
abrj-454	148	26	slade	slade	PROPN
abrj-454	148	27	et	et	PROPN
abrj-454	148	28	al	al	PROPN
abrj-454	148	29	.	.	PROPN
abrj-454	148	30	,	,	PUNCT
abrj-454	148	31	2015	2015	NUM
abrj-454	148	32	)	)	PUNCT
abrj-454	148	33	.	.	PUNCT
abrj-454	149	1	financial	financial	ADJ
abrj-454	149	2	literacy	literacy	NOUN
abrj-454	149	3	constitutes	constitute	VERB
abrj-454	149	4	the	the	DET
abrj-454	149	5	central	central	ADJ
abrj-454	149	6	independent	independent	ADJ
abrj-454	149	7	variable	variable	NOUN
abrj-454	149	8	within	within	ADP
abrj-454	149	9	this	this	DET
abrj-454	149	10	model	model	NOUN
abrj-454	149	11	,	,	PUNCT
abrj-454	149	12	operationalised	operationalise	VERB
abrj-454	149	13	through	through	ADP
abrj-454	149	14	three	three	NUM
abrj-454	149	15	distinct	distinct	ADJ
abrj-454	149	16	but	but	CCONJ
abrj-454	149	17	interrelated	interrelated	ADJ
abrj-454	149	18	dimensions	dimension	NOUN
abrj-454	149	19	.	.	PUNCT
abrj-454	150	1	first	first	ADV
abrj-454	150	2	,	,	PUNCT
abrj-454	150	3	financial	financial	ADJ
abrj-454	150	4	knowledge	knowledge	NOUN
abrj-454	150	5	encompasses	encompass	VERB
abrj-454	150	6	the	the	DET
abrj-454	150	7	cognitive	cognitive	ADJ
abrj-454	150	8	understanding	understanding	NOUN
abrj-454	150	9	of	of	ADP
abrj-454	150	10	financial	financial	ADJ
abrj-454	150	11	concepts	concept	NOUN
abrj-454	150	12	,	,	PUNCT
abrj-454	150	13	product	product	NOUN
abrj-454	150	14	features	feature	NOUN
abrj-454	150	15	,	,	PUNCT
abrj-454	150	16	and	and	CCONJ
abrj-454	150	17	risk	risk	NOUN
abrj-454	150	18	-	-	PUNCT
abrj-454	150	19	return	return	NOUN
abrj-454	150	20	relationships	relationship	NOUN
abrj-454	150	21	.	.	PUNCT
abrj-454	151	1	second	second	ADJ
abrj-454	151	2	,	,	PUNCT
abrj-454	151	3	financial	financial	ADJ
abrj-454	151	4	attitudes	attitude	NOUN
abrj-454	151	5	capture	capture	VERB
abrj-454	151	6	psychological	psychological	ADJ
abrj-454	151	7	dispositions	disposition	NOUN
abrj-454	151	8	toward	toward	ADP
abrj-454	151	9	financial	financial	ADJ
abrj-454	151	10	planning	planning	NOUN
abrj-454	151	11	,	,	PUNCT
abrj-454	151	12	risk	risk	NOUN
abrj-454	151	13	tolerance	tolerance	NOUN
abrj-454	151	14	,	,	PUNCT
abrj-454	151	15	and	and	CCONJ
abrj-454	151	16	digital	digital	PROPN
abrj-454	151	17	trust	trust	NOUN
abrj-454	151	18	.	.	PUNCT
abrj-454	152	1	third	third	ADJ
abrj-454	152	2	,	,	PUNCT
abrj-454	152	3	financial	financial	ADJ
abrj-454	152	4	behaviour	behaviour	NOUN
abrj-454	152	5	encompasses	encompass	VERB
abrj-454	152	6	demonstrated	demonstrate	VERB
abrj-454	152	7	capabilities	capability	NOUN
abrj-454	152	8	regarding	regard	VERB
abrj-454	152	9	budgeting	budgeting	NOUN
abrj-454	152	10	,	,	PUNCT
abrj-454	152	11	saving	saving	NOUN
abrj-454	152	12	,	,	PUNCT
abrj-454	152	13	and	and	CCONJ
abrj-454	152	14	prior	prior	ADJ
abrj-454	152	15	financial	financial	ADJ
abrj-454	152	16	technology	technology	NOUN
abrj-454	152	17	engagement	engagement	NOUN
abrj-454	152	18	.	.	PUNCT
abrj-454	153	1	this	this	DET
abrj-454	153	2	multidimensional	multidimensional	ADJ
abrj-454	153	3	operationalisation	operationalisation	NOUN
abrj-454	153	4	draws	draw	VERB
abrj-454	153	5	upon	upon	SCONJ
abrj-454	153	6	the	the	DET
abrj-454	153	7	oecd	oecd	PROPN
abrj-454	153	8	/	/	SYM
abrj-454	153	9	infe	infe	NOUN
abrj-454	153	10	framework	framework	NOUN
abrj-454	153	11	(	(	PUNCT
abrj-454	153	12	atkinson	atkinson	PROPN
abrj-454	153	13	&	&	CCONJ
abrj-454	153	14	messy	messy	PROPN
abrj-454	153	15	,	,	PUNCT
abrj-454	153	16	2012	2012	NUM
abrj-454	153	17	)	)	PUNCT
abrj-454	153	18	while	while	SCONJ
abrj-454	153	19	incorporating	incorporate	VERB
abrj-454	153	20	digital	digital	ADJ
abrj-454	153	21	-	-	PUNCT
abrj-454	153	22	specific	specific	ADJ
abrj-454	153	23	elements	element	NOUN
abrj-454	153	24	informed	inform	VERB
abrj-454	153	25	by	by	ADP
abrj-454	153	26	technology	technology	NOUN
abrj-454	153	27	acceptance	acceptance	NOUN
abrj-454	153	28	theories	theory	NOUN
abrj-454	153	29	.	.	PUNCT
abrj-454	154	1	the	the	DET
abrj-454	154	2	research	research	NOUN
abrj-454	154	3	model	model	NOUN
abrj-454	154	4	proposes	propose	VERB
abrj-454	154	5	multiple	multiple	ADJ
abrj-454	154	6	mediating	mediate	VERB
abrj-454	154	7	variables	variable	NOUN
abrj-454	154	8	that	that	PRON
abrj-454	154	9	establish	establish	VERB
abrj-454	154	10	the	the	DET
abrj-454	154	11	causal	causal	ADJ
abrj-454	154	12	pathways	pathway	NOUN
abrj-454	154	13	through	through	ADP
abrj-454	154	14	which	which	PRON
abrj-454	154	15	financial	financial	ADJ
abrj-454	154	16	literacy	literacy	NOUN
abrj-454	154	17	influences	influence	VERB
abrj-454	154	18	platform	platform	NOUN
abrj-454	154	19	engagement	engagement	NOUN
abrj-454	154	20	.	.	PUNCT
abrj-454	155	1	first	first	ADV
abrj-454	155	2	,	,	PUNCT
abrj-454	155	3	perceived	perceive	VERB
abrj-454	155	4	risk	risk	NOUN
abrj-454	155	5	functions	function	NOUN
abrj-454	155	6	as	as	ADP
abrj-454	155	7	a	a	DET
abrj-454	155	8	primary	primary	ADJ
abrj-454	155	9	mediator	mediator	NOUN
abrj-454	155	10	,	,	PUNCT
abrj-454	155	11	with	with	ADP
abrj-454	155	12	financial	financial	ADJ
abrj-454	155	13	literacy	literacy	NOUN
abrj-454	155	14	hypothesised	hypothesise	VERB
abrj-454	155	15	to	to	PART
abrj-454	155	16	reduce	reduce	VERB
abrj-454	155	17	risk	risk	NOUN
abrj-454	155	18	perception	perception	NOUN
abrj-454	155	19	through	through	ADP
abrj-454	155	20	enhanced	enhanced	ADJ
abrj-454	155	21	understanding	understanding	NOUN
abrj-454	155	22	of	of	ADP
abrj-454	155	23	platform	platform	NOUN
abrj-454	155	24	mechanisms	mechanism	NOUN
abrj-454	155	25	and	and	CCONJ
abrj-454	155	26	improved	improve	VERB
abrj-454	155	27	capacity	capacity	NOUN
abrj-454	155	28	to	to	PART
abrj-454	155	29	evaluate	evaluate	VERB
abrj-454	155	30	lending	lending	NOUN
abrj-454	155	31	opportunities	opportunity	NOUN
abrj-454	155	32	(	(	PUNCT
abrj-454	155	33	van	van	NOUN
abrj-454	155	34	rooij	rooij	NOUN
abrj-454	155	35	et	et	PROPN
abrj-454	155	36	al	al	PROPN
abrj-454	155	37	.	.	PROPN
abrj-454	155	38	,	,	PUNCT
abrj-454	155	39	2011	2011	NUM
abrj-454	155	40	)	)	PUNCT
abrj-454	155	41	.	.	PUNCT
abrj-454	156	1	second	second	ADV
abrj-454	156	2	,	,	PUNCT
abrj-454	156	3	trust	trust	NOUN
abrj-454	156	4	perceptions	perception	NOUN
abrj-454	156	5	mediate	mediate	VERB
abrj-454	156	6	literacy	literacy	NOUN
abrj-454	156	7	effects	effect	NOUN
abrj-454	156	8	,	,	PUNCT
abrj-454	156	9	with	with	ADP
abrj-454	156	10	financial	financial	ADJ
abrj-454	156	11	knowledge	knowledge	NOUN
abrj-454	156	12	enhancing	enhance	VERB
abrj-454	156	13	institutional	institutional	ADJ
abrj-454	156	14	trust	trust	NOUN
abrj-454	156	15	through	through	ADP
abrj-454	156	16	familiarity	familiarity	NOUN
abrj-454	156	17	with	with	ADP
abrj-454	156	18	regulatory	regulatory	ADJ
abrj-454	156	19	frameworks	framework	NOUN
abrj-454	156	20	and	and	CCONJ
abrj-454	156	21	operational	operational	ADJ
abrj-454	156	22	models	model	NOUN
abrj-454	156	23	(	(	PUNCT
abrj-454	156	24	gefen	gefen	NOUN
abrj-454	156	25	et	et	PROPN
abrj-454	156	26	al	al	PROPN
abrj-454	156	27	.	.	PROPN
abrj-454	156	28	,	,	PUNCT
abrj-454	156	29	2003	2003	NUM
abrj-454	156	30	)	)	PUNCT
abrj-454	156	31	.	.	PUNCT
abrj-454	157	1	third	third	ADJ
abrj-454	157	2	,	,	PUNCT
abrj-454	157	3	self	self	NOUN
abrj-454	157	4	-	-	PUNCT
abrj-454	157	5	efficacy	efficacy	NOUN
abrj-454	157	6	regarding	regard	VERB
abrj-454	157	7	financial	financial	ADJ
abrj-454	157	8	technology	technology	NOUN
abrj-454	157	9	usage	usage	NOUN
abrj-454	157	10	mediates	mediate	NOUN
abrj-454	157	11	literacy	literacy	NOUN
abrj-454	157	12	effects	effect	NOUN
abrj-454	157	13	,	,	PUNCT
abrj-454	157	14	with	with	ADP
abrj-454	157	15	knowledge	knowledge	NOUN
abrj-454	157	16	enhancing	enhance	VERB
abrj-454	157	17	confidence	confidence	NOUN
abrj-454	157	18	in	in	ADP
abrj-454	157	19	navigating	navigate	VERB
abrj-454	157	20	digital	digital	ADJ
abrj-454	157	21	interfaces	interface	NOUN
abrj-454	157	22	and	and	CCONJ
abrj-454	157	23	executing	execute	VERB
abrj-454	157	24	financial	financial	ADJ
abrj-454	157	25	transactions	transaction	NOUN
abrj-454	157	26	(	(	PUNCT
abrj-454	157	27	bandura	bandura	NOUN
abrj-454	157	28	,	,	PUNCT
abrj-454	157	29	1997	1997	NUM
abrj-454	157	30	)	)	PUNCT
abrj-454	157	31	.	.	PUNCT
abrj-454	158	1	figure	figure	NOUN
abrj-454	158	2	1	1	NUM
abrj-454	158	3	.	.	PUNCT
abrj-454	158	4	proposed	propose	VERB
abrj-454	158	5	research	research	NOUN
abrj-454	158	6	model	model	NOUN
abrj-454	158	7	.	.	PUNCT
abrj-454	159	1	moderating	moderate	VERB
abrj-454	159	2	variables	variable	NOUN
abrj-454	159	3	within	within	ADP
abrj-454	159	4	the	the	DET
abrj-454	159	5	research	research	NOUN
abrj-454	159	6	model	model	NOUN
abrj-454	159	7	account	account	VERB
abrj-454	159	8	for	for	ADP
abrj-454	159	9	heterogeneous	heterogeneous	ADJ
abrj-454	159	10	effects	effect	NOUN
abrj-454	159	11	across	across	ADP
abrj-454	159	12	demographic	demographic	ADJ
abrj-454	159	13	segments	segment	NOUN
abrj-454	159	14	and	and	CCONJ
abrj-454	159	15	contextual	contextual	ADJ
abrj-454	159	16	conditions	condition	NOUN
abrj-454	159	17	.	.	PUNCT
abrj-454	160	1	demographic	demographic	ADJ
abrj-454	160	2	moderators	moderator	NOUN
abrj-454	160	3	include	include	VERB
abrj-454	160	4	age	age	NOUN
abrj-454	160	5	,	,	PUNCT
abrj-454	160	6	gender	gender	NOUN
abrj-454	160	7	,	,	PUNCT
abrj-454	160	8	income	income	NOUN
abrj-454	160	9	level	level	NOUN
abrj-454	160	10	,	,	PUNCT
abrj-454	160	11	educational	educational	ADJ
abrj-454	160	12	attainment	attainment	NOUN
abrj-454	160	13	,	,	PUNCT
abrj-454	160	14	and	and	CCONJ
abrj-454	160	15	urban	urban	ADJ
abrj-454	160	16	/	/	SYM
abrj-454	160	17	rural	rural	ADJ
abrj-454	160	18	residence	residence	NOUN
abrj-454	160	19	—	—	PUNCT
abrj-454	160	20	factors	factor	NOUN
abrj-454	160	21	empirically	empirically	ADV
abrj-454	160	22	demonstrated	demonstrate	VERB
abrj-454	160	23	to	to	PART
abrj-454	160	24	influence	influence	VERB
abrj-454	160	25	both	both	PRON
abrj-454	160	26	financial	financial	ADJ
abrj-454	160	27	literacy	literacy	NOUN
abrj-454	160	28	and	and	CCONJ
abrj-454	160	29	digital	digital	ADJ
abrj-454	160	30	technology	technology	NOUN
abrj-454	160	31	adoption	adoption	NOUN
abrj-454	160	32	(	(	PUNCT
abrj-454	160	33	lusardi	lusardi	PROPN
abrj-454	160	34	&	&	CCONJ
abrj-454	160	35	mitchell	mitchell	PROPN
abrj-454	160	36	,	,	PUNCT
abrj-454	160	37	2011	2011	NUM
abrj-454	160	38	)	)	PUNCT
abrj-454	160	39	.	.	PUNCT
abrj-454	161	1	technological	technological	ADJ
abrj-454	161	2	moderators	moderator	NOUN
abrj-454	161	3	include	include	VERB
abrj-454	161	4	internet	internet	NOUN
abrj-454	161	5	experience	experience	NOUN
abrj-454	161	6	,	,	PUNCT
abrj-454	161	7	smartphone	smartphone	NOUN
abrj-454	161	8	ownership	ownership	NOUN
abrj-454	161	9	duration	duration	NOUN
abrj-454	161	10	,	,	PUNCT
abrj-454	161	11	and	and	CCONJ
abrj-454	161	12	prior	prior	ADJ
abrj-454	161	13	digital	digital	ADJ
abrj-454	161	14	banking	banking	NOUN
abrj-454	161	15	experience	experience	NOUN
abrj-454	161	16	—	—	PUNCT
abrj-454	161	17	factors	factor	NOUN
abrj-454	161	18	that	that	PRON
abrj-454	161	19	potentially	potentially	ADV
abrj-454	161	20	influence	influence	VERB
abrj-454	161	21	the	the	DET
abrj-454	161	22	relationship	relationship	NOUN
abrj-454	161	23	between	between	ADP
abrj-454	161	24	financial	financial	ADJ
abrj-454	161	25	knowledge	knowledge	NOUN
abrj-454	161	26	and	and	CCONJ
abrj-454	161	27	platform	platform	NOUN
abrj-454	161	28	engagement	engagement	NOUN
abrj-454	161	29	through	through	ADP
abrj-454	161	30	familiarity	familiarity	NOUN
abrj-454	161	31	effects	effect	NOUN
abrj-454	161	32	(	(	PUNCT
abrj-454	161	33	venkatesh	venkatesh	NOUN
abrj-454	161	34	et	et	PROPN
abrj-454	161	35	al	al	PROPN
abrj-454	161	36	.	.	PROPN
abrj-454	161	37	,	,	PUNCT
abrj-454	161	38	2003	2003	NUM
abrj-454	161	39	)	)	PUNCT
abrj-454	161	40	.	.	PUNCT
abrj-454	162	1	cultural	cultural	ADJ
abrj-454	162	2	moderators	moderator	NOUN
abrj-454	162	3	include	include	VERB
abrj-454	162	4	individualism	individualism	NOUN
abrj-454	162	5	/	/	SYM
abrj-454	162	6	collectivism	collectivism	NOUN
abrj-454	162	7	orientation	orientation	NOUN
abrj-454	162	8	and	and	CCONJ
abrj-454	162	9	uncertainty	uncertainty	NOUN
abrj-454	162	10	avoidance	avoidance	NOUN
abrj-454	162	11	—	—	PUNCT
abrj-454	162	12	dimensions	dimension	NOUN
abrj-454	162	13	shown	show	VERB
abrj-454	162	14	to	to	PART
abrj-454	162	15	influence	influence	VERB
abrj-454	162	16	financial	financial	ADJ
abrj-454	162	17	behaviour	behaviour	NOUN
abrj-454	162	18	across	across	ADP
abrj-454	162	19	national	national	ADJ
abrj-454	162	20	contexts	contexts	NOUN
abrj-454	162	21	(	(	PUNCT
abrj-454	162	22	tam	tam	X
abrj-454	162	23	&	&	CCONJ
abrj-454	162	24	oliveira	oliveira	PROPN
abrj-454	162	25	,	,	PUNCT
abrj-454	162	26	2017	2017	NUM
abrj-454	162	27	)	)	PUNCT
abrj-454	162	28	.	.	PUNCT
abrj-454	163	1	the	the	DET
abrj-454	163	2	proposed	propose	VERB
abrj-454	163	3	model	model	NOUN
abrj-454	163	4	further	far	ADV
abrj-454	163	5	incorporates	incorporate	VERB
abrj-454	163	6	distinctive	distinctive	ADJ
abrj-454	163	7	elements	element	NOUN
abrj-454	163	8	of	of	ADP
abrj-454	163	9	vietnam	vietnam	PROPN
abrj-454	163	10	's	's	PART
abrj-454	163	11	institutional	institutional	ADJ
abrj-454	163	12	context	context	NOUN
abrj-454	163	13	.	.	PUNCT
abrj-454	164	1	the	the	DET
abrj-454	164	2	regulatory	regulatory	ADJ
abrj-454	164	3	environment	environment	NOUN
abrj-454	164	4	for	for	ADP
abrj-454	164	5	p2p	p2p	NOUN
abrj-454	164	6	lending	lending	NOUN
abrj-454	164	7	in	in	ADP
abrj-454	164	8	vietnam	vietnam	PROPN
abrj-454	164	9	remains	remain	VERB
abrj-454	164	10	emergent	emergent	ADJ
abrj-454	164	11	,	,	PUNCT
abrj-454	164	12	with	with	ADP
abrj-454	164	13	platforms	platform	NOUN
abrj-454	164	14	operating	operate	VERB
abrj-454	164	15	in	in	ADP
abrj-454	164	16	a	a	DET
abrj-454	164	17	legal	legal	ADJ
abrj-454	164	18	grey	grey	NOUN
abrj-454	164	19	area	area	NOUN
abrj-454	164	20	that	that	PRON
abrj-454	164	21	potentially	potentially	ADV
abrj-454	164	22	influences	influence	VERB
abrj-454	164	23	risk	risk	NOUN
abrj-454	164	24	perceptions	perception	NOUN
abrj-454	164	25	independent	independent	ADJ
abrj-454	164	26	of	of	ADP
abrj-454	164	27	financial	financial	ADJ
abrj-454	164	28	literacy	literacy	NOUN
abrj-454	164	29	(	(	PUNCT
abrj-454	164	30	world	world	PROPN
abrj-454	164	31	bank	bank	PROPN
abrj-454	164	32	,	,	PUNCT
abrj-454	164	33	2017	2017	NUM
abrj-454	164	34	)	)	PUNCT
abrj-454	164	35	.	.	PUNCT
abrj-454	165	1	furthermore	furthermore	ADV
abrj-454	165	2	,	,	PUNCT
abrj-454	165	3	vietnam	vietnam	PROPN
abrj-454	165	4	's	's	PART
abrj-454	165	5	rapid	rapid	ADJ
abrj-454	165	6	transition	transition	NOUN
abrj-454	165	7	from	from	ADP
abrj-454	165	8	a	a	PRON
abrj-454	165	9	centrally	centrally	ADV
abrj-454	165	10	planned	plan	VERB
abrj-454	165	11	to	to	ADP
abrj-454	165	12	a	a	DET
abrj-454	165	13	market	market	NOUN
abrj-454	165	14	economy	economy	NOUN
abrj-454	165	15	has	have	AUX
abrj-454	165	16	created	create	VERB
abrj-454	165	17	distinctive	distinctive	ADJ
abrj-454	165	18	generational	generational	ADJ
abrj-454	165	19	differences	difference	NOUN
abrj-454	165	20	in	in	ADP
abrj-454	165	21	financial	financial	ADJ
abrj-454	165	22	socialisation	socialisation	NOUN
abrj-454	165	23	,	,	PUNCT
abrj-454	165	24	potentially	potentially	ADV
abrj-454	165	25	moderating	moderate	VERB
abrj-454	165	26	the	the	DET
abrj-454	165	27	relationship	relationship	NOUN
abrj-454	165	28	between	between	ADP
abrj-454	165	29	financial	financial	ADJ
abrj-454	165	30	knowledge	knowledge	NOUN
abrj-454	165	31	and	and	CCONJ
abrj-454	165	32	digital	digital	ADJ
abrj-454	165	33	financial	financial	ADJ
abrj-454	165	34	behaviour	behaviour	NOUN
abrj-454	165	35	(	(	PUNCT
abrj-454	165	36	vuong	vuong	PROPN
abrj-454	165	37	&	&	CCONJ
abrj-454	165	38	napier	napier	PROPN
abrj-454	165	39	,	,	PUNCT
abrj-454	165	40	2014	2014	NUM
abrj-454	165	41	)	)	PUNCT
abrj-454	165	42	.	.	PUNCT
abrj-454	166	1	these	these	DET
abrj-454	166	2	contextual	contextual	ADJ
abrj-454	166	3	factors	factor	NOUN
abrj-454	166	4	are	be	AUX
abrj-454	166	5	incorporated	incorporate	VERB
abrj-454	166	6	as	as	ADP
abrj-454	166	7	control	control	NOUN
abrj-454	166	8	variables	variable	NOUN
abrj-454	166	9	within	within	ADP
abrj-454	166	10	the	the	DET
abrj-454	166	11	model	model	NOUN
abrj-454	166	12	.	.	PUNCT
abrj-454	167	1	asian	asian	ADJ
abrj-454	167	2	business	business	PROPN
abrj-454	167	3	research	research	NOUN
abrj-454	167	4	journal	journal	NOUN
abrj-454	167	5	,	,	PUNCT
abrj-454	167	6	2025	2025	NUM
abrj-454	167	7	,	,	PUNCT
abrj-454	167	8	10(5	10(5	NUM
abrj-454	167	9	):	):	PUNCT
abrj-454	167	10	106	106	NUM
abrj-454	167	11	-	-	SYM
abrj-454	167	12	119	119	NUM
abrj-454	167	13	111	111	NUM
abrj-454	167	14	©	©	PROPN
abrj-454	167	15	2025	2025	NUM
abrj-454	167	16	by	by	ADP
abrj-454	167	17	the	the	DET
abrj-454	167	18	author	author	NOUN
abrj-454	167	19	;	;	PUNCT
abrj-454	167	20	licensee	licensee	NOUN
abrj-454	167	21	eastern	eastern	ADJ
abrj-454	167	22	centre	centre	NOUN
abrj-454	167	23	of	of	ADP
abrj-454	167	24	science	science	NOUN
abrj-454	167	25	and	and	CCONJ
abrj-454	167	26	education	education	NOUN
abrj-454	167	27	,	,	PUNCT
abrj-454	167	28	usa	usa	PROPN
abrj-454	167	29	for	for	ADP
abrj-454	167	30	lenders	lender	NOUN
abrj-454	167	31	within	within	ADP
abrj-454	167	32	p2p	p2p	NOUN
abrj-454	167	33	platforms	platform	NOUN
abrj-454	167	34	,	,	PUNCT
abrj-454	167	35	the	the	DET
abrj-454	167	36	model	model	NOUN
abrj-454	167	37	hypothesises	hypothesise	VERB
abrj-454	167	38	that	that	SCONJ
abrj-454	167	39	financial	financial	ADJ
abrj-454	167	40	literacy	literacy	NOUN
abrj-454	167	41	enhances	enhance	VERB
abrj-454	167	42	portfolio	portfolio	NOUN
abrj-454	167	43	diversification	diversification	NOUN
abrj-454	167	44	behaviour	behaviour	NOUN
abrj-454	167	45	,	,	PUNCT
abrj-454	167	46	risk	risk	NOUN
abrj-454	167	47	-	-	PUNCT
abrj-454	167	48	adjusted	adjust	VERB
abrj-454	167	49	return	return	NOUN
abrj-454	167	50	optimisation	optimisation	NOUN
abrj-454	167	51	,	,	PUNCT
abrj-454	167	52	and	and	CCONJ
abrj-454	167	53	evaluation	evaluation	NOUN
abrj-454	167	54	accuracy	accuracy	NOUN
abrj-454	167	55	regarding	regard	VERB
abrj-454	167	56	borrower	borrower	NOUN
abrj-454	167	57	creditworthiness	creditworthiness	PROPN
abrj-454	167	58	.	.	PUNCT
abrj-454	168	1	these	these	DET
abrj-454	168	2	behavioural	behavioural	ADJ
abrj-454	168	3	outcomes	outcome	NOUN
abrj-454	168	4	derive	derive	VERB
abrj-454	168	5	from	from	ADP
abrj-454	168	6	improved	improved	ADJ
abrj-454	168	7	comprehension	comprehension	NOUN
abrj-454	168	8	of	of	ADP
abrj-454	168	9	risk	risk	NOUN
abrj-454	168	10	-	-	PUNCT
abrj-454	168	11	return	return	NOUN
abrj-454	168	12	relationships	relationship	NOUN
abrj-454	168	13	,	,	PUNCT
abrj-454	168	14	enhanced	enhance	VERB
abrj-454	168	15	capacity	capacity	NOUN
abrj-454	168	16	to	to	PART
abrj-454	168	17	interpret	interpret	VERB
abrj-454	168	18	financial	financial	ADJ
abrj-454	168	19	information	information	NOUN
abrj-454	168	20	,	,	PUNCT
abrj-454	168	21	and	and	CCONJ
abrj-454	168	22	reduced	reduce	VERB
abrj-454	168	23	susceptibility	susceptibility	NOUN
abrj-454	168	24	to	to	ADP
abrj-454	168	25	behavioural	behavioural	ADJ
abrj-454	168	26	biases	bias	NOUN
abrj-454	168	27	including	include	VERB
abrj-454	168	28	herding	herding	NOUN
abrj-454	168	29	effects	effect	NOUN
abrj-454	168	30	(	(	PUNCT
abrj-454	168	31	lee	lee	PROPN
abrj-454	168	32	&	&	CCONJ
abrj-454	168	33	lee	lee	PROPN
abrj-454	168	34	,	,	PUNCT
abrj-454	168	35	2012	2012	NUM
abrj-454	168	36	)	)	PUNCT
abrj-454	168	37	.	.	PUNCT
abrj-454	169	1	for	for	ADP
abrj-454	169	2	borrowers	borrower	NOUN
abrj-454	169	3	,	,	PUNCT
abrj-454	169	4	the	the	DET
abrj-454	169	5	model	model	NOUN
abrj-454	169	6	hypothesises	hypothesise	VERB
abrj-454	169	7	that	that	SCONJ
abrj-454	169	8	financial	financial	ADJ
abrj-454	169	9	literacy	literacy	NOUN
abrj-454	169	10	influences	influence	VERB
abrj-454	169	11	loan	loan	NOUN
abrj-454	169	12	request	request	NOUN
abrj-454	169	13	quality	quality	NOUN
abrj-454	169	14	,	,	PUNCT
abrj-454	169	15	appropriate	appropriate	ADJ
abrj-454	169	16	borrowing	borrowing	NOUN
abrj-454	169	17	amounts	amount	NOUN
abrj-454	169	18	relative	relative	ADJ
abrj-454	169	19	to	to	ADP
abrj-454	169	20	income	income	NOUN
abrj-454	169	21	,	,	PUNCT
abrj-454	169	22	and	and	CCONJ
abrj-454	169	23	optimal	optimal	ADJ
abrj-454	169	24	timing	timing	NOUN
abrj-454	169	25	of	of	ADP
abrj-454	169	26	borrowing	borrowing	NOUN
abrj-454	169	27	activities	activity	NOUN
abrj-454	169	28	.	.	PUNCT
abrj-454	170	1	these	these	DET
abrj-454	170	2	effects	effect	NOUN
abrj-454	170	3	derive	derive	VERB
abrj-454	170	4	from	from	ADP
abrj-454	170	5	improved	improved	ADJ
abrj-454	170	6	understanding	understanding	NOUN
abrj-454	170	7	of	of	ADP
abrj-454	170	8	interest	interest	NOUN
abrj-454	170	9	mechanics	mechanic	NOUN
abrj-454	170	10	,	,	PUNCT
abrj-454	170	11	enhanced	enhance	VERB
abrj-454	170	12	long	long	ADJ
abrj-454	170	13	-	-	PUNCT
abrj-454	170	14	term	term	NOUN
abrj-454	170	15	financial	financial	ADJ
abrj-454	170	16	planning	planning	NOUN
abrj-454	170	17	,	,	PUNCT
abrj-454	170	18	and	and	CCONJ
abrj-454	170	19	reduced	reduce	VERB
abrj-454	170	20	present	present	ADJ
abrj-454	170	21	bias	bias	NOUN
abrj-454	170	22	in	in	ADP
abrj-454	170	23	consumption	consumption	NOUN
abrj-454	170	24	decisions	decision	NOUN
abrj-454	170	25	(	(	PUNCT
abrj-454	170	26	meier	meier	PROPN
abrj-454	170	27	&	&	CCONJ
abrj-454	170	28	sprenger	sprenger	PROPN
abrj-454	170	29	,	,	PUNCT
abrj-454	170	30	2013	2013	NUM
abrj-454	170	31	)	)	PUNCT
abrj-454	170	32	.	.	PUNCT
abrj-454	171	1	the	the	DET
abrj-454	171	2	research	research	NOUN
abrj-454	171	3	model	model	NOUN
abrj-454	171	4	proposes	propose	VERB
abrj-454	171	5	bidirectional	bidirectional	ADJ
abrj-454	171	6	relationships	relationship	NOUN
abrj-454	171	7	between	between	ADP
abrj-454	171	8	certain	certain	ADJ
abrj-454	171	9	variables	variable	NOUN
abrj-454	171	10	,	,	PUNCT
abrj-454	171	11	acknowledging	acknowledge	VERB
abrj-454	171	12	the	the	DET
abrj-454	171	13	potential	potential	NOUN
abrj-454	171	14	for	for	ADP
abrj-454	171	15	reciprocal	reciprocal	ADJ
abrj-454	171	16	causation	causation	NOUN
abrj-454	171	17	.	.	PUNCT
abrj-454	172	1	specifically	specifically	ADV
abrj-454	172	2	,	,	PUNCT
abrj-454	172	3	platform	platform	NOUN
abrj-454	172	4	engagement	engagement	NOUN
abrj-454	172	5	may	may	AUX
abrj-454	172	6	enhance	enhance	VERB
abrj-454	172	7	certain	certain	ADJ
abrj-454	172	8	dimensions	dimension	NOUN
abrj-454	172	9	of	of	ADP
abrj-454	172	10	financial	financial	ADJ
abrj-454	172	11	literacy	literacy	NOUN
abrj-454	172	12	through	through	ADP
abrj-454	172	13	experiential	experiential	ADJ
abrj-454	172	14	learning	learning	NOUN
abrj-454	172	15	and	and	CCONJ
abrj-454	172	16	feedback	feedback	NOUN
abrj-454	172	17	mechanisms	mechanism	NOUN
abrj-454	172	18	(	(	PUNCT
abrj-454	172	19	hibbert	hibbert	VERB
abrj-454	172	20	et	et	PROPN
abrj-454	172	21	al	al	PROPN
abrj-454	172	22	.	.	PROPN
abrj-454	172	23	,	,	PUNCT
abrj-454	172	24	2012	2012	NUM
abrj-454	172	25	)	)	PUNCT
abrj-454	172	26	.	.	PUNCT
abrj-454	173	1	this	this	DET
abrj-454	173	2	potential	potential	ADJ
abrj-454	173	3	endogeneity	endogeneity	NOUN
abrj-454	173	4	is	be	AUX
abrj-454	173	5	addressed	address	VERB
abrj-454	173	6	through	through	ADP
abrj-454	173	7	appropriate	appropriate	ADJ
abrj-454	173	8	methodological	methodological	ADJ
abrj-454	173	9	approaches	approach	NOUN
abrj-454	173	10	including	include	VERB
abrj-454	173	11	instrumental	instrumental	ADJ
abrj-454	173	12	variable	variable	ADJ
abrj-454	173	13	techniques	technique	NOUN
abrj-454	173	14	and	and	CCONJ
abrj-454	173	15	longitudinal	longitudinal	ADJ
abrj-454	173	16	elements	element	NOUN
abrj-454	173	17	within	within	ADP
abrj-454	173	18	the	the	DET
abrj-454	173	19	research	research	NOUN
abrj-454	173	20	design	design	NOUN
abrj-454	173	21	.	.	PUNCT
abrj-454	174	1	the	the	DET
abrj-454	174	2	model	model	NOUN
abrj-454	174	3	further	further	ADJ
abrj-454	174	4	accounts	account	VERB
abrj-454	174	5	for	for	ADP
abrj-454	174	6	selection	selection	NOUN
abrj-454	174	7	effects	effect	NOUN
abrj-454	174	8	,	,	PUNCT
abrj-454	174	9	recognising	recognise	VERB
abrj-454	174	10	that	that	SCONJ
abrj-454	174	11	early	early	ADJ
abrj-454	174	12	adopters	adopter	NOUN
abrj-454	174	13	of	of	ADP
abrj-454	174	14	p2p	p2p	NOUN
abrj-454	174	15	platforms	platform	NOUN
abrj-454	174	16	may	may	AUX
abrj-454	174	17	demonstrate	demonstrate	VERB
abrj-454	174	18	systematically	systematically	ADV
abrj-454	174	19	different	different	ADJ
abrj-454	174	20	characteristics	characteristic	NOUN
abrj-454	174	21	from	from	ADP
abrj-454	174	22	the	the	DET
abrj-454	174	23	broader	broad	ADJ
abrj-454	174	24	population	population	NOUN
abrj-454	174	25	(	(	PUNCT
abrj-454	174	26	rogers	roger	NOUN
abrj-454	174	27	,	,	PUNCT
abrj-454	174	28	2003	2003	NUM
abrj-454	174	29	)	)	PUNCT
abrj-454	174	30	.	.	PUNCT
abrj-454	175	1	in	in	ADP
abrj-454	175	2	summary	summary	NOUN
abrj-454	175	3	,	,	PUNCT
abrj-454	175	4	the	the	DET
abrj-454	175	5	proposed	propose	VERB
abrj-454	175	6	research	research	NOUN
abrj-454	175	7	model	model	NOUN
abrj-454	175	8	integrates	integrate	VERB
abrj-454	175	9	financial	financial	ADJ
abrj-454	175	10	capability	capability	NOUN
abrj-454	175	11	theory	theory	NOUN
abrj-454	175	12	,	,	PUNCT
abrj-454	175	13	technology	technology	NOUN
abrj-454	175	14	acceptance	acceptance	NOUN
abrj-454	175	15	models	model	NOUN
abrj-454	175	16	,	,	PUNCT
abrj-454	175	17	and	and	CCONJ
abrj-454	175	18	behavioural	behavioural	ADJ
abrj-454	175	19	economics	economic	NOUN
abrj-454	175	20	to	to	PART
abrj-454	175	21	examine	examine	VERB
abrj-454	175	22	the	the	DET
abrj-454	175	23	complex	complex	ADJ
abrj-454	175	24	interrelationship	interrelationship	NOUN
abrj-454	175	25	between	between	ADP
abrj-454	175	26	financial	financial	ADJ
abrj-454	175	27	literacy	literacy	NOUN
abrj-454	175	28	and	and	CCONJ
abrj-454	175	29	digital	digital	ADJ
abrj-454	175	30	consumer	consumer	NOUN
abrj-454	175	31	behaviour	behaviour	NOUN
abrj-454	175	32	.	.	PUNCT
abrj-454	176	1	by	by	ADP
abrj-454	176	2	specifying	specify	VERB
abrj-454	176	3	multiple	multiple	ADJ
abrj-454	176	4	pathways	pathway	NOUN
abrj-454	176	5	of	of	ADP
abrj-454	176	6	influence	influence	NOUN
abrj-454	176	7	,	,	PUNCT
abrj-454	176	8	incorporating	incorporate	VERB
abrj-454	176	9	relevant	relevant	ADJ
abrj-454	176	10	mediating	mediating	NOUN
abrj-454	176	11	and	and	CCONJ
abrj-454	176	12	moderating	moderating	NOUN
abrj-454	176	13	variables	variable	NOUN
abrj-454	176	14	,	,	PUNCT
abrj-454	176	15	and	and	CCONJ
abrj-454	176	16	accounting	account	VERB
abrj-454	176	17	for	for	ADP
abrj-454	176	18	distinctive	distinctive	ADJ
abrj-454	176	19	elements	element	NOUN
abrj-454	176	20	of	of	ADP
abrj-454	176	21	the	the	DET
abrj-454	176	22	vietnamese	vietnamese	ADJ
abrj-454	176	23	context	context	NOUN
abrj-454	176	24	,	,	PUNCT
abrj-454	176	25	this	this	DET
abrj-454	176	26	model	model	NOUN
abrj-454	176	27	provides	provide	VERB
abrj-454	176	28	a	a	DET
abrj-454	176	29	comprehensive	comprehensive	ADJ
abrj-454	176	30	framework	framework	NOUN
abrj-454	176	31	for	for	ADP
abrj-454	176	32	empirical	empirical	ADJ
abrj-454	176	33	analysis	analysis	NOUN
abrj-454	176	34	.	.	PUNCT
abrj-454	177	1	the	the	DET
abrj-454	177	2	following	follow	VERB
abrj-454	177	3	section	section	NOUN
abrj-454	177	4	details	detail	VERB
abrj-454	177	5	the	the	DET
abrj-454	177	6	methodological	methodological	ADJ
abrj-454	177	7	approach	approach	NOUN
abrj-454	177	8	for	for	ADP
abrj-454	177	9	testing	test	VERB
abrj-454	177	10	this	this	DET
abrj-454	177	11	model	model	NOUN
abrj-454	177	12	within	within	ADP
abrj-454	177	13	vietnam	vietnam	PROPN
abrj-454	177	14	's	's	PART
abrj-454	177	15	emerging	emerge	VERB
abrj-454	177	16	p2p	p2p	NOUN
abrj-454	177	17	lending	lend	VERB
abrj-454	177	18	ecosystem	ecosystem	NOUN
abrj-454	177	19	.	.	PUNCT
abrj-454	178	1	3	3	X
abrj-454	178	2	.	.	X
abrj-454	178	3	research	research	NOUN
abrj-454	178	4	methodology	methodology	NOUN
abrj-454	178	5	3.1	3.1	NUM
abrj-454	178	6	.	.	PUNCT
abrj-454	179	1	research	research	NOUN
abrj-454	179	2	design	design	NOUN
abrj-454	179	3	this	this	DET
abrj-454	179	4	study	study	NOUN
abrj-454	179	5	employed	employ	VERB
abrj-454	179	6	a	a	DET
abrj-454	179	7	cross	cross	ADJ
abrj-454	179	8	-	-	ADJ
abrj-454	179	9	sectional	sectional	ADJ
abrj-454	179	10	,	,	PUNCT
abrj-454	179	11	quantitative	quantitative	ADJ
abrj-454	179	12	research	research	NOUN
abrj-454	179	13	design	design	NOUN
abrj-454	179	14	utilising	utilise	VERB
abrj-454	179	15	structural	structural	ADJ
abrj-454	179	16	equation	equation	NOUN
abrj-454	179	17	modelling	modelling	NOUN
abrj-454	179	18	(	(	PUNCT
abrj-454	179	19	sem	sem	NOUN
abrj-454	179	20	)	)	PUNCT
abrj-454	179	21	with	with	ADP
abrj-454	179	22	a	a	DET
abrj-454	179	23	partial	partial	ADJ
abrj-454	179	24	least	least	ADJ
abrj-454	179	25	squares	square	NOUN
abrj-454	179	26	(	(	PUNCT
abrj-454	179	27	pls	pls	INTJ
abrj-454	179	28	)	)	PUNCT
abrj-454	179	29	approach	approach	NOUN
abrj-454	179	30	to	to	PART
abrj-454	179	31	examine	examine	VERB
abrj-454	179	32	the	the	DET
abrj-454	179	33	relationship	relationship	NOUN
abrj-454	179	34	between	between	ADP
abrj-454	179	35	financial	financial	ADJ
abrj-454	179	36	literacy	literacy	NOUN
abrj-454	179	37	and	and	CCONJ
abrj-454	179	38	consumer	consumer	NOUN
abrj-454	179	39	behaviour	behaviour	NOUN
abrj-454	179	40	within	within	ADP
abrj-454	179	41	vietnam	vietnam	PROPN
abrj-454	179	42	's	's	PART
abrj-454	179	43	p2p	p2p	NOUN
abrj-454	179	44	lending	lending	NOUN
abrj-454	179	45	platforms	platform	NOUN
abrj-454	179	46	.	.	PUNCT
abrj-454	180	1	this	this	DET
abrj-454	180	2	methodological	methodological	ADJ
abrj-454	180	3	approach	approach	NOUN
abrj-454	180	4	was	be	AUX
abrj-454	180	5	selected	select	VERB
abrj-454	180	6	for	for	ADP
abrj-454	180	7	several	several	ADJ
abrj-454	180	8	compelling	compelling	ADJ
abrj-454	180	9	reasons	reason	NOUN
abrj-454	180	10	aligned	align	VERB
abrj-454	180	11	with	with	ADP
abrj-454	180	12	both	both	CCONJ
abrj-454	180	13	the	the	DET
abrj-454	180	14	research	research	NOUN
abrj-454	180	15	objectives	objective	NOUN
abrj-454	180	16	and	and	CCONJ
abrj-454	180	17	the	the	DET
abrj-454	180	18	specific	specific	ADJ
abrj-454	180	19	characteristics	characteristic	NOUN
abrj-454	180	20	of	of	ADP
abrj-454	180	21	the	the	DET
abrj-454	180	22	study	study	NOUN
abrj-454	180	23	context	context	NOUN
abrj-454	180	24	.	.	PUNCT
abrj-454	181	1	first	first	ADV
abrj-454	181	2	,	,	PUNCT
abrj-454	181	3	pls	pls	INTJ
abrj-454	181	4	-	-	PUNCT
abrj-454	181	5	sem	sem	NOUN
abrj-454	181	6	demonstrates	demonstrate	VERB
abrj-454	181	7	particular	particular	ADJ
abrj-454	181	8	suitability	suitability	NOUN
abrj-454	181	9	for	for	ADP
abrj-454	181	10	predictive	predictive	ADJ
abrj-454	181	11	research	research	NOUN
abrj-454	181	12	contexts	context	NOUN
abrj-454	181	13	where	where	SCONJ
abrj-454	181	14	theory	theory	NOUN
abrj-454	181	15	remains	remain	VERB
abrj-454	181	16	under	under	ADP
abrj-454	181	17	development	development	NOUN
abrj-454	181	18	—	—	PUNCT
abrj-454	181	19	a	a	DET
abrj-454	181	20	condition	condition	NOUN
abrj-454	181	21	that	that	PRON
abrj-454	181	22	characterises	characterise	VERB
abrj-454	181	23	the	the	DET
abrj-454	181	24	emergent	emergent	ADJ
abrj-454	181	25	field	field	NOUN
abrj-454	181	26	of	of	ADP
abrj-454	181	27	digital	digital	ADJ
abrj-454	181	28	financial	financial	ADJ
abrj-454	181	29	behaviour	behaviour	NOUN
abrj-454	181	30	in	in	ADP
abrj-454	181	31	emerging	emerge	VERB
abrj-454	181	32	economies	economy	NOUN
abrj-454	181	33	(	(	PUNCT
abrj-454	181	34	hair	hair	NOUN
abrj-454	181	35	et	et	PROPN
abrj-454	181	36	al	al	PROPN
abrj-454	181	37	.	.	PROPN
abrj-454	181	38	,	,	PUNCT
abrj-454	181	39	2014	2014	NUM
abrj-454	181	40	)	)	PUNCT
abrj-454	181	41	.	.	PUNCT
abrj-454	182	1	second	second	ADJ
abrj-454	182	2	,	,	PUNCT
abrj-454	182	3	pls	pls	INTJ
abrj-454	182	4	-	-	PUNCT
abrj-454	182	5	sem	sem	NOUN
abrj-454	182	6	demonstrates	demonstrate	VERB
abrj-454	182	7	robust	robust	ADJ
abrj-454	182	8	performance	performance	NOUN
abrj-454	182	9	with	with	ADP
abrj-454	182	10	complex	complex	ADJ
abrj-454	182	11	models	model	NOUN
abrj-454	182	12	incorporating	incorporate	VERB
abrj-454	182	13	multiple	multiple	ADJ
abrj-454	182	14	mediating	mediate	VERB
abrj-454	182	15	and	and	CCONJ
abrj-454	182	16	moderating	moderating	NOUN
abrj-454	182	17	variables	variable	NOUN
abrj-454	182	18	,	,	PUNCT
abrj-454	182	19	as	as	SCONJ
abrj-454	182	20	required	require	VERB
abrj-454	182	21	by	by	ADP
abrj-454	182	22	this	this	DET
abrj-454	182	23	study	study	NOUN
abrj-454	182	24	's	's	PART
abrj-454	182	25	theoretical	theoretical	ADJ
abrj-454	182	26	framework	framework	NOUN
abrj-454	182	27	(	(	PUNCT
abrj-454	182	28	chin	chin	NOUN
abrj-454	182	29	et	et	PROPN
abrj-454	182	30	al	al	PROPN
abrj-454	182	31	.	.	PROPN
abrj-454	182	32	,	,	PUNCT
abrj-454	182	33	2003	2003	NUM
abrj-454	182	34	)	)	PUNCT
abrj-454	182	35	.	.	PUNCT
abrj-454	183	1	third	third	ADV
abrj-454	183	2	,	,	PUNCT
abrj-454	183	3	this	this	DET
abrj-454	183	4	approach	approach	NOUN
abrj-454	183	5	accommodates	accommodate	VERB
abrj-454	183	6	non	non	ADJ
abrj-454	183	7	-	-	ADJ
abrj-454	183	8	normal	normal	ADJ
abrj-454	183	9	data	datum	NOUN
abrj-454	183	10	distributions	distribution	NOUN
abrj-454	183	11	frequently	frequently	ADV
abrj-454	183	12	encountered	encounter	VERB
abrj-454	183	13	in	in	ADP
abrj-454	183	14	behavioural	behavioural	ADJ
abrj-454	183	15	research	research	NOUN
abrj-454	183	16	,	,	PUNCT
abrj-454	183	17	particularly	particularly	ADV
abrj-454	183	18	within	within	ADP
abrj-454	183	19	novel	novel	ADJ
abrj-454	183	20	technological	technological	ADJ
abrj-454	183	21	contexts	context	NOUN
abrj-454	183	22	where	where	SCONJ
abrj-454	183	23	adoption	adoption	NOUN
abrj-454	183	24	patterns	pattern	NOUN
abrj-454	183	25	may	may	AUX
abrj-454	183	26	demonstrate	demonstrate	VERB
abrj-454	183	27	positive	positive	ADJ
abrj-454	183	28	skew	skew	NOUN
abrj-454	183	29	(	(	PUNCT
abrj-454	183	30	henseler	henseler	X
abrj-454	183	31	et	et	PROPN
abrj-454	183	32	al	al	PROPN
abrj-454	183	33	.	.	PROPN
abrj-454	183	34	,	,	PUNCT
abrj-454	183	35	2009	2009	NUM
abrj-454	183	36	)	)	PUNCT
abrj-454	183	37	.	.	PUNCT
abrj-454	184	1	the	the	DET
abrj-454	184	2	research	research	NOUN
abrj-454	184	3	design	design	NOUN
abrj-454	184	4	incorporated	incorporate	VERB
abrj-454	184	5	both	both	CCONJ
abrj-454	184	6	formative	formative	ADJ
abrj-454	184	7	and	and	CCONJ
abrj-454	184	8	reflective	reflective	ADJ
abrj-454	184	9	measurement	measurement	NOUN
abrj-454	184	10	models	model	NOUN
abrj-454	184	11	appropriate	appropriate	ADJ
abrj-454	184	12	to	to	ADP
abrj-454	184	13	the	the	DET
abrj-454	184	14	conceptual	conceptual	ADJ
abrj-454	184	15	nature	nature	NOUN
abrj-454	184	16	of	of	ADP
abrj-454	184	17	the	the	DET
abrj-454	184	18	constructs	construct	NOUN
abrj-454	184	19	under	under	ADP
abrj-454	184	20	investigation	investigation	NOUN
abrj-454	184	21	.	.	PUNCT
abrj-454	185	1	financial	financial	ADJ
abrj-454	185	2	literacy	literacy	NOUN
abrj-454	185	3	was	be	AUX
abrj-454	185	4	operationalised	operationalise	VERB
abrj-454	185	5	as	as	ADP
abrj-454	185	6	a	a	DET
abrj-454	185	7	second	second	ADJ
abrj-454	185	8	-	-	PUNCT
abrj-454	185	9	order	order	NOUN
abrj-454	185	10	formative	formative	ADJ
abrj-454	185	11	construct	construct	NOUN
abrj-454	185	12	comprising	comprise	VERB
abrj-454	185	13	three	three	NUM
abrj-454	185	14	first	first	ADJ
abrj-454	185	15	-	-	PUNCT
abrj-454	185	16	order	order	NOUN
abrj-454	185	17	reflective	reflective	ADJ
abrj-454	185	18	dimensions	dimension	NOUN
abrj-454	185	19	:	:	PUNCT
abrj-454	185	20	financial	financial	ADJ
abrj-454	185	21	knowledge	knowledge	NOUN
abrj-454	185	22	,	,	PUNCT
abrj-454	185	23	financial	financial	ADJ
abrj-454	185	24	attitudes	attitude	NOUN
abrj-454	185	25	,	,	PUNCT
abrj-454	185	26	and	and	CCONJ
abrj-454	185	27	financial	financial	ADJ
abrj-454	185	28	behaviour	behaviour	NOUN
abrj-454	185	29	.	.	PUNCT
abrj-454	186	1	this	this	DET
abrj-454	186	2	measurement	measurement	NOUN
abrj-454	186	3	approach	approach	NOUN
abrj-454	186	4	aligns	align	VERB
abrj-454	186	5	with	with	ADP
abrj-454	186	6	contemporary	contemporary	ADJ
abrj-454	186	7	conceptualisations	conceptualisation	NOUN
abrj-454	186	8	that	that	PRON
abrj-454	186	9	position	position	VERB
abrj-454	186	10	financial	financial	ADJ
abrj-454	186	11	literacy	literacy	NOUN
abrj-454	186	12	as	as	ADP
abrj-454	186	13	an	an	DET
abrj-454	186	14	aggregate	aggregate	ADJ
abrj-454	186	15	construct	construct	NOUN
abrj-454	186	16	formed	form	VERB
abrj-454	186	17	by	by	ADP
abrj-454	186	18	distinct	distinct	ADJ
abrj-454	186	19	but	but	CCONJ
abrj-454	186	20	related	related	ADJ
abrj-454	186	21	components	component	NOUN
abrj-454	186	22	(	(	PUNCT
abrj-454	186	23	hung	hung	NOUN
abrj-454	186	24	et	et	PROPN
abrj-454	186	25	al	al	PROPN
abrj-454	186	26	.	.	PROPN
abrj-454	186	27	,	,	PUNCT
abrj-454	186	28	2009	2009	NUM
abrj-454	186	29	)	)	PUNCT
abrj-454	186	30	.	.	PUNCT
abrj-454	187	1	platform	platform	NOUN
abrj-454	187	2	adoption	adoption	NOUN
abrj-454	187	3	was	be	AUX
abrj-454	187	4	similarly	similarly	ADV
abrj-454	187	5	operationalised	operationalise	VERB
abrj-454	187	6	as	as	ADP
abrj-454	187	7	a	a	DET
abrj-454	187	8	formative	formative	ADJ
abrj-454	187	9	construct	construct	NOUN
abrj-454	187	10	comprising	comprise	VERB
abrj-454	187	11	reflectively	reflectively	ADV
abrj-454	187	12	measured	measure	VERB
abrj-454	187	13	indicators	indicator	NOUN
abrj-454	187	14	of	of	ADP
abrj-454	187	15	initial	initial	ADJ
abrj-454	187	16	adoption	adoption	NOUN
abrj-454	187	17	,	,	PUNCT
abrj-454	187	18	usage	usage	NOUN
abrj-454	187	19	intensity	intensity	NOUN
abrj-454	187	20	,	,	PUNCT
abrj-454	187	21	and	and	CCONJ
abrj-454	187	22	functional	functional	ADJ
abrj-454	187	23	utilisation	utilisation	NOUN
abrj-454	187	24	depth	depth	NOUN
abrj-454	187	25	.	.	PUNCT
abrj-454	188	1	this	this	DET
abrj-454	188	2	dual	dual	ADJ
abrj-454	188	3	measurement	measurement	NOUN
abrj-454	188	4	approach	approach	NOUN
abrj-454	188	5	enables	enable	VERB
abrj-454	188	6	more	more	ADV
abrj-454	188	7	precise	precise	ADJ
abrj-454	188	8	specification	specification	NOUN
abrj-454	188	9	of	of	ADP
abrj-454	188	10	construct	construct	NOUN
abrj-454	188	11	relationships	relationship	NOUN
abrj-454	188	12	while	while	SCONJ
abrj-454	188	13	mitigating	mitigate	VERB
abrj-454	188	14	measurement	measurement	NOUN
abrj-454	188	15	error	error	NOUN
abrj-454	188	16	(	(	PUNCT
abrj-454	188	17	jarvis	jarvis	PROPN
abrj-454	188	18	et	et	PROPN
abrj-454	188	19	al	al	PROPN
abrj-454	188	20	.	.	PROPN
abrj-454	188	21	,	,	PUNCT
abrj-454	188	22	2003	2003	NUM
abrj-454	188	23	)	)	PUNCT
abrj-454	188	24	.	.	PUNCT
abrj-454	189	1	to	to	PART
abrj-454	189	2	complement	complement	VERB
abrj-454	189	3	the	the	DET
abrj-454	189	4	variance	variance	NOUN
abrj-454	189	5	-	-	PUNCT
abrj-454	189	6	based	base	VERB
abrj-454	189	7	analysis	analysis	NOUN
abrj-454	189	8	afforded	afford	VERB
abrj-454	189	9	by	by	ADP
abrj-454	189	10	pls	pls	NOUN
abrj-454	189	11	-	-	PUNCT
abrj-454	189	12	sem	sem	NOUN
abrj-454	189	13	,	,	PUNCT
abrj-454	189	14	the	the	DET
abrj-454	189	15	research	research	NOUN
abrj-454	189	16	design	design	NOUN
abrj-454	189	17	incorporated	incorporate	VERB
abrj-454	189	18	fuzzy	fuzzy	ADJ
abrj-454	189	19	-	-	PUNCT
abrj-454	189	20	set	set	VERB
abrj-454	189	21	qualitative	qualitative	ADJ
abrj-454	189	22	comparative	comparative	ADJ
abrj-454	189	23	analysis	analysis	NOUN
abrj-454	189	24	(	(	PUNCT
abrj-454	189	25	fsqca	fsqca	NOUN
abrj-454	189	26	)	)	PUNCT
abrj-454	189	27	as	as	ADP
abrj-454	189	28	a	a	DET
abrj-454	189	29	supplementary	supplementary	ADJ
abrj-454	189	30	analytical	analytical	ADJ
abrj-454	189	31	approach	approach	NOUN
abrj-454	189	32	.	.	PUNCT
abrj-454	190	1	this	this	DET
abrj-454	190	2	configurational	configurational	ADJ
abrj-454	190	3	method	method	NOUN
abrj-454	190	4	enables	enable	VERB
abrj-454	190	5	identification	identification	NOUN
abrj-454	190	6	of	of	ADP
abrj-454	190	7	complex	complex	ADJ
abrj-454	190	8	causal	causal	ADJ
abrj-454	190	9	recipes	recipe	NOUN
abrj-454	190	10	that	that	PRON
abrj-454	190	11	might	might	AUX
abrj-454	190	12	escape	escape	VERB
abrj-454	190	13	detection	detection	NOUN
abrj-454	190	14	through	through	ADP
abrj-454	190	15	traditional	traditional	ADJ
abrj-454	190	16	variable	variable	ADJ
abrj-454	190	17	-	-	PUNCT
abrj-454	190	18	centred	centre	VERB
abrj-454	190	19	approaches	approach	NOUN
abrj-454	190	20	(	(	PUNCT
abrj-454	190	21	ragin	ragin	ADJ
abrj-454	190	22	,	,	PUNCT
abrj-454	190	23	2008	2008	NUM
abrj-454	190	24	)	)	PUNCT
abrj-454	190	25	.	.	PUNCT
abrj-454	191	1	as	as	SCONJ
abrj-454	191	2	woodside	woodside	PROPN
abrj-454	191	3	(	(	PUNCT
abrj-454	191	4	2013	2013	NUM
abrj-454	191	5	)	)	PUNCT
abrj-454	191	6	argues	argue	VERB
abrj-454	191	7	,	,	PUNCT
abrj-454	191	8	fsqca	fsqca	NOUN
abrj-454	191	9	proves	prove	VERB
abrj-454	191	10	particularly	particularly	ADV
abrj-454	191	11	valuable	valuable	ADJ
abrj-454	191	12	when	when	SCONJ
abrj-454	191	13	examining	examine	VERB
abrj-454	191	14	complex	complex	ADJ
abrj-454	191	15	social	social	ADJ
abrj-454	191	16	phenomena	phenomenon	NOUN
abrj-454	191	17	likely	likely	ADV
abrj-454	191	18	characterised	characterise	VERB
abrj-454	191	19	by	by	ADP
abrj-454	191	20	equifinality	equifinality	NOUN
abrj-454	191	21	—	—	PUNCT
abrj-454	191	22	the	the	DET
abrj-454	191	23	principle	principle	NOUN
abrj-454	191	24	that	that	SCONJ
abrj-454	191	25	multiple	multiple	ADJ
abrj-454	191	26	pathways	pathway	NOUN
abrj-454	191	27	may	may	AUX
abrj-454	191	28	lead	lead	VERB
abrj-454	191	29	to	to	ADP
abrj-454	191	30	identical	identical	ADJ
abrj-454	191	31	outcomes	outcome	NOUN
abrj-454	191	32	.	.	PUNCT
abrj-454	192	1	within	within	ADP
abrj-454	192	2	the	the	DET
abrj-454	192	3	context	context	NOUN
abrj-454	192	4	of	of	ADP
abrj-454	192	5	digital	digital	ADJ
abrj-454	192	6	financial	financial	ADJ
abrj-454	192	7	behaviour	behaviour	NOUN
abrj-454	192	8	,	,	PUNCT
abrj-454	192	9	fsqca	fsqca	NOUN
abrj-454	192	10	enables	enable	VERB
abrj-454	192	11	identification	identification	NOUN
abrj-454	192	12	of	of	ADP
abrj-454	192	13	distinct	distinct	ADJ
abrj-454	192	14	configurations	configuration	NOUN
abrj-454	192	15	of	of	ADP
abrj-454	192	16	financial	financial	ADJ
abrj-454	192	17	literacy	literacy	NOUN
abrj-454	192	18	dimensions	dimension	NOUN
abrj-454	192	19	,	,	PUNCT
abrj-454	192	20	demographic	demographic	ADJ
abrj-454	192	21	characteristics	characteristic	NOUN
abrj-454	192	22	,	,	PUNCT
abrj-454	192	23	and	and	CCONJ
abrj-454	192	24	contextual	contextual	ADJ
abrj-454	192	25	factors	factor	NOUN
abrj-454	192	26	that	that	PRON
abrj-454	192	27	collectively	collectively	ADV
abrj-454	192	28	produce	produce	VERB
abrj-454	192	29	similar	similar	ADJ
abrj-454	192	30	behavioural	behavioural	ADJ
abrj-454	192	31	outcomes	outcome	NOUN
abrj-454	192	32	.	.	PUNCT
abrj-454	193	1	3.2	3.2	NUM
abrj-454	193	2	.	.	PUNCT
abrj-454	193	3	data	datum	NOUN
abrj-454	193	4	collection	collection	NOUN
abrj-454	193	5	data	datum	NOUN
abrj-454	193	6	collection	collection	NOUN
abrj-454	193	7	utilised	utilise	VERB
abrj-454	193	8	a	a	DET
abrj-454	193	9	structured	structured	ADJ
abrj-454	193	10	survey	survey	NOUN
abrj-454	193	11	instrument	instrument	NOUN
abrj-454	193	12	administered	administer	VERB
abrj-454	193	13	to	to	ADP
abrj-454	193	14	users	user	NOUN
abrj-454	193	15	of	of	ADP
abrj-454	193	16	major	major	ADJ
abrj-454	193	17	p2p	p2p	NOUN
abrj-454	193	18	lending	lending	NOUN
abrj-454	193	19	platforms	platform	NOUN
abrj-454	193	20	operating	operate	VERB
abrj-454	193	21	within	within	ADP
abrj-454	193	22	vietnam	vietnam	PROPN
abrj-454	193	23	between	between	ADP
abrj-454	193	24	june	june	PROPN
abrj-454	193	25	and	and	CCONJ
abrj-454	193	26	september	september	PROPN
abrj-454	193	27	2016	2016	NUM
abrj-454	193	28	.	.	PUNCT
abrj-454	194	1	the	the	DET
abrj-454	194	2	sampling	sample	VERB
abrj-454	194	3	frame	frame	NOUN
abrj-454	194	4	comprised	comprise	VERB
abrj-454	194	5	users	user	NOUN
abrj-454	194	6	of	of	ADP
abrj-454	194	7	the	the	DET
abrj-454	194	8	five	five	NUM
abrj-454	194	9	largest	large	ADJ
abrj-454	194	10	p2p	p2p	NOUN
abrj-454	194	11	platforms	platform	NOUN
abrj-454	194	12	by	by	ADP
abrj-454	194	13	transaction	transaction	NOUN
abrj-454	194	14	volume	volume	NOUN
abrj-454	194	15	:	:	PUNCT
abrj-454	195	1	tima	tima	PROPN
abrj-454	195	2	,	,	PUNCT
abrj-454	195	3	vaymuon	vaymuon	NOUN
abrj-454	195	4	,	,	PUNCT
abrj-454	195	5	mofin	mofin	NOUN
abrj-454	195	6	,	,	PUNCT
abrj-454	195	7	lendex	lendex	NOUN
abrj-454	195	8	,	,	PUNCT
abrj-454	195	9	and	and	CCONJ
abrj-454	195	10	moneybank	moneybank	NOUN
abrj-454	195	11	,	,	PUNCT
abrj-454	195	12	which	which	PRON
abrj-454	195	13	collectively	collectively	ADV
abrj-454	195	14	represented	represent	VERB
abrj-454	195	15	approximately	approximately	ADV
abrj-454	195	16	82	82	NUM
abrj-454	195	17	%	%	NOUN
abrj-454	195	18	of	of	ADP
abrj-454	195	19	vietnam	vietnam	PROPN
abrj-454	195	20	's	's	PART
abrj-454	195	21	p2p	p2p	NOUN
abrj-454	195	22	lending	lending	NOUN
abrj-454	195	23	market	market	NOUN
abrj-454	195	24	at	at	ADP
abrj-454	195	25	the	the	DET
abrj-454	195	26	time	time	NOUN
abrj-454	195	27	of	of	ADP
abrj-454	195	28	data	data	NOUN
abrj-454	195	29	collection	collection	NOUN
abrj-454	195	30	(	(	PUNCT
abrj-454	195	31	asian	asian	PROPN
abrj-454	195	32	development	development	PROPN
abrj-454	195	33	bank	bank	PROPN
abrj-454	195	34	,	,	PUNCT
abrj-454	195	35	2017	2017	NUM
abrj-454	195	36	)	)	PUNCT
abrj-454	195	37	.	.	PUNCT
abrj-454	196	1	platform	platform	NOUN
abrj-454	196	2	operators	operator	NOUN
abrj-454	196	3	provided	provide	VERB
abrj-454	196	4	the	the	DET
abrj-454	196	5	initial	initial	ADJ
abrj-454	196	6	sampling	sampling	NOUN
abrj-454	196	7	frame	frame	NOUN
abrj-454	196	8	,	,	PUNCT
abrj-454	196	9	comprising	comprise	VERB
abrj-454	196	10	2,850	2,850	NUM
abrj-454	196	11	users	user	NOUN
abrj-454	196	12	who	who	PRON
abrj-454	196	13	had	have	AUX
abrj-454	196	14	completed	complete	VERB
abrj-454	196	15	at	at	ADP
abrj-454	196	16	least	least	ADV
abrj-454	196	17	one	one	NUM
abrj-454	196	18	transaction	transaction	NOUN
abrj-454	196	19	within	within	ADP
abrj-454	196	20	the	the	DET
abrj-454	196	21	previous	previous	ADJ
abrj-454	196	22	six	six	NUM
abrj-454	196	23	months	month	NOUN
abrj-454	196	24	,	,	PUNCT
abrj-454	196	25	from	from	ADP
abrj-454	196	26	which	which	PRON
abrj-454	196	27	a	a	DET
abrj-454	196	28	stratified	stratified	ADJ
abrj-454	196	29	random	random	ADJ
abrj-454	196	30	sample	sample	NOUN
abrj-454	196	31	was	be	AUX
abrj-454	196	32	drawn	draw	VERB
abrj-454	196	33	to	to	PART
abrj-454	196	34	ensure	ensure	VERB
abrj-454	196	35	proportional	proportional	ADJ
abrj-454	196	36	representation	representation	NOUN
abrj-454	196	37	across	across	ADP
abrj-454	196	38	platforms	platform	NOUN
abrj-454	196	39	.	.	PUNCT
abrj-454	197	1	the	the	DET
abrj-454	197	2	survey	survey	NOUN
abrj-454	197	3	instrument	instrument	NOUN
abrj-454	197	4	was	be	AUX
abrj-454	197	5	administered	administer	VERB
abrj-454	197	6	through	through	ADP
abrj-454	197	7	a	a	DET
abrj-454	197	8	dual	dual	ADJ
abrj-454	197	9	-	-	PUNCT
abrj-454	197	10	mode	mode	NOUN
abrj-454	197	11	approach	approach	NOUN
abrj-454	197	12	to	to	AUX
abrj-454	197	13	maximise	maximise	VERB
abrj-454	197	14	response	response	NOUN
abrj-454	197	15	rates	rate	NOUN
abrj-454	197	16	while	while	SCONJ
abrj-454	197	17	maintaining	maintain	VERB
abrj-454	197	18	data	datum	NOUN
abrj-454	197	19	quality	quality	NOUN
abrj-454	197	20	.	.	PUNCT
abrj-454	198	1	the	the	DET
abrj-454	198	2	primary	primary	ADJ
abrj-454	198	3	collection	collection	NOUN
abrj-454	198	4	mode	mode	NOUN
abrj-454	198	5	utilised	utilise	VERB
abrj-454	198	6	a	a	DET
abrj-454	198	7	web	web	NOUN
abrj-454	198	8	-	-	PUNCT
abrj-454	198	9	based	base	VERB
abrj-454	198	10	survey	survey	NOUN
abrj-454	198	11	delivered	deliver	VERB
abrj-454	198	12	via	via	ADP
abrj-454	198	13	email	email	NOUN
abrj-454	198	14	invitation	invitation	NOUN
abrj-454	198	15	,	,	PUNCT
abrj-454	198	16	supplemented	supplement	VERB
abrj-454	198	17	by	by	ADP
abrj-454	198	18	a	a	DET
abrj-454	198	19	telephone	telephone	NOUN
abrj-454	198	20	survey	survey	NOUN
abrj-454	198	21	option	option	NOUN
abrj-454	198	22	for	for	ADP
abrj-454	198	23	respondents	respondent	NOUN
abrj-454	198	24	who	who	PRON
abrj-454	198	25	failed	fail	VERB
abrj-454	198	26	to	to	PART
abrj-454	198	27	complete	complete	VERB
abrj-454	198	28	the	the	DET
abrj-454	198	29	online	online	ADJ
abrj-454	198	30	instrument	instrument	NOUN
abrj-454	198	31	after	after	ADP
abrj-454	198	32	two	two	NUM
abrj-454	198	33	reminders	reminder	NOUN
abrj-454	198	34	.	.	PUNCT
abrj-454	199	1	this	this	DET
abrj-454	199	2	dual	dual	ADJ
abrj-454	199	3	-	-	PUNCT
abrj-454	199	4	mode	mode	NOUN
abrj-454	199	5	approach	approach	NOUN
abrj-454	199	6	addressed	address	VERB
abrj-454	199	7	potential	potential	ADJ
abrj-454	199	8	selection	selection	NOUN
abrj-454	199	9	bias	bias	NOUN
abrj-454	199	10	that	that	PRON
abrj-454	199	11	might	might	AUX
abrj-454	199	12	arise	arise	VERB
abrj-454	199	13	from	from	ADP
abrj-454	199	14	internet	internet	NOUN
abrj-454	199	15	access	access	NOUN
abrj-454	199	16	limitations	limitation	NOUN
abrj-454	199	17	within	within	ADP
abrj-454	199	18	certain	certain	ADJ
abrj-454	199	19	demographic	demographic	ADJ
abrj-454	199	20	segments	segment	NOUN
abrj-454	199	21	of	of	ADP
abrj-454	199	22	the	the	DET
abrj-454	199	23	vietnamese	vietnamese	ADJ
abrj-454	199	24	population	population	NOUN
abrj-454	199	25	(	(	PUNCT
abrj-454	199	26	dillman	dillman	PROPN
abrj-454	199	27	et	et	PROPN
abrj-454	199	28	al	al	PROPN
abrj-454	199	29	.	.	PROPN
abrj-454	199	30	,	,	PUNCT
abrj-454	199	31	2014	2014	NUM
abrj-454	199	32	)	)	PUNCT
abrj-454	199	33	.	.	PUNCT
abrj-454	200	1	the	the	DET
abrj-454	200	2	survey	survey	NOUN
abrj-454	200	3	was	be	AUX
abrj-454	200	4	administered	administer	VERB
abrj-454	200	5	in	in	ADP
abrj-454	200	6	vietnamese	vietnamese	PROPN
abrj-454	200	7	,	,	PUNCT
abrj-454	200	8	with	with	ADP
abrj-454	200	9	the	the	DET
abrj-454	200	10	instrument	instrument	NOUN
abrj-454	200	11	undergoing	undergo	VERB
abrj-454	200	12	rigorous	rigorous	ADJ
abrj-454	200	13	translation	translation	NOUN
abrj-454	200	14	and	and	CCONJ
abrj-454	200	15	back	back	NOUN
abrj-454	200	16	-	-	PUNCT
abrj-454	200	17	translation	translation	NOUN
abrj-454	200	18	processes	process	NOUN
abrj-454	200	19	to	to	PART
abrj-454	200	20	ensure	ensure	VERB
abrj-454	200	21	conceptual	conceptual	ADJ
abrj-454	200	22	equivalence	equivalence	NOUN
abrj-454	200	23	(	(	PUNCT
abrj-454	200	24	brislin	brislin	PROPN
abrj-454	200	25	,	,	PUNCT
abrj-454	200	26	1970	1970	NUM
abrj-454	200	27	)	)	PUNCT
abrj-454	200	28	.	.	PUNCT
abrj-454	201	1	the	the	DET
abrj-454	201	2	data	data	NOUN
abrj-454	201	3	collection	collection	NOUN
abrj-454	201	4	yielded	yield	VERB
abrj-454	201	5	512	512	NUM
abrj-454	201	6	completed	complete	VERB
abrj-454	201	7	responses	response	NOUN
abrj-454	201	8	,	,	PUNCT
abrj-454	201	9	representing	represent	VERB
abrj-454	201	10	an	an	DET
abrj-454	201	11	effective	effective	ADJ
abrj-454	201	12	response	response	NOUN
abrj-454	201	13	rate	rate	NOUN
abrj-454	201	14	of	of	ADP
abrj-454	201	15	18	18	NUM
abrj-454	201	16	%	%	NOUN
abrj-454	201	17	.	.	PUNCT
abrj-454	202	1	after	after	ADP
abrj-454	202	2	removing	remove	VERB
abrj-454	202	3	incomplete	incomplete	ADJ
abrj-454	202	4	responses	response	NOUN
abrj-454	202	5	and	and	CCONJ
abrj-454	202	6	applying	apply	VERB
abrj-454	202	7	data	datum	NOUN
abrj-454	202	8	cleaning	cleaning	NOUN
abrj-454	202	9	procedures	procedure	NOUN
abrj-454	202	10	to	to	PART
abrj-454	202	11	identify	identify	VERB
abrj-454	202	12	outliers	outlier	NOUN
abrj-454	202	13	and	and	CCONJ
abrj-454	202	14	pattern	pattern	NOUN
abrj-454	202	15	responses	response	NOUN
abrj-454	202	16	,	,	PUNCT
abrj-454	202	17	the	the	DET
abrj-454	202	18	final	final	ADJ
abrj-454	202	19	analytical	analytical	ADJ
abrj-454	202	20	sample	sample	NOUN
abrj-454	202	21	comprised	comprise	VERB
abrj-454	202	22	427	427	NUM
abrj-454	202	23	valid	valid	ADJ
abrj-454	202	24	responses	response	NOUN
abrj-454	202	25	.	.	PUNCT
abrj-454	203	1	response	response	NOUN
abrj-454	203	2	bias	bias	NOUN
abrj-454	203	3	was	be	AUX
abrj-454	203	4	assessed	assess	VERB
abrj-454	203	5	through	through	ADP
abrj-454	203	6	comparison	comparison	NOUN
abrj-454	203	7	of	of	ADP
abrj-454	203	8	early	early	ADJ
abrj-454	203	9	and	and	CCONJ
abrj-454	203	10	late	late	ADJ
abrj-454	203	11	respondents	respondent	NOUN
abrj-454	203	12	(	(	PUNCT
abrj-454	203	13	armstrong	armstrong	PROPN
abrj-454	203	14	&	&	CCONJ
abrj-454	203	15	overton	overton	PROPN
abrj-454	203	16	,	,	PUNCT
abrj-454	203	17	1977	1977	NUM
abrj-454	203	18	)	)	PUNCT
abrj-454	203	19	,	,	PUNCT
abrj-454	203	20	with	with	ADP
abrj-454	203	21	no	no	DET
abrj-454	203	22	statistically	statistically	ADV
abrj-454	203	23	significant	significant	ADJ
abrj-454	203	24	differences	difference	NOUN
abrj-454	203	25	observed	observe	VERB
abrj-454	203	26	across	across	ADP
abrj-454	203	27	asian	asian	ADJ
abrj-454	203	28	business	business	NOUN
abrj-454	203	29	research	research	NOUN
abrj-454	203	30	journal	journal	NOUN
abrj-454	203	31	,	,	PUNCT
abrj-454	203	32	2025	2025	NUM
abrj-454	203	33	,	,	PUNCT
abrj-454	203	34	10(5	10(5	NUM
abrj-454	203	35	):	):	PUNCT
abrj-454	203	36	106	106	NUM
abrj-454	203	37	-	-	SYM
abrj-454	203	38	119	119	NUM
abrj-454	203	39	112	112	NUM
abrj-454	203	40	©	©	PROPN
abrj-454	203	41	2025	2025	NUM
abrj-454	203	42	by	by	ADP
abrj-454	203	43	the	the	DET
abrj-454	203	44	author	author	NOUN
abrj-454	203	45	;	;	PUNCT
abrj-454	203	46	licensee	licensee	NOUN
abrj-454	203	47	eastern	eastern	ADJ
abrj-454	203	48	centre	centre	NOUN
abrj-454	203	49	of	of	ADP
abrj-454	203	50	science	science	NOUN
abrj-454	203	51	and	and	CCONJ
abrj-454	203	52	education	education	NOUN
abrj-454	203	53	,	,	PUNCT
abrj-454	203	54	usa	usa	PROPN
abrj-454	203	55	major	major	PROPN
abrj-454	203	56	demographic	demographic	ADJ
abrj-454	203	57	and	and	CCONJ
abrj-454	203	58	behavioural	behavioural	ADJ
abrj-454	203	59	variables	variable	NOUN
abrj-454	203	60	.	.	PUNCT
abrj-454	204	1	additionally	additionally	ADV
abrj-454	204	2	,	,	PUNCT
abrj-454	204	3	a	a	DET
abrj-454	204	4	comparison	comparison	NOUN
abrj-454	204	5	of	of	ADP
abrj-454	204	6	web	web	NOUN
abrj-454	204	7	and	and	CCONJ
abrj-454	204	8	telephone	telephone	NOUN
abrj-454	204	9	response	response	NOUN
abrj-454	204	10	modes	mode	NOUN
abrj-454	204	11	revealed	reveal	VERB
abrj-454	204	12	no	no	DET
abrj-454	204	13	significant	significant	ADJ
abrj-454	204	14	differences	difference	NOUN
abrj-454	204	15	in	in	ADP
abrj-454	204	16	construct	construct	NOUN
abrj-454	204	17	means	mean	NOUN
abrj-454	204	18	or	or	CCONJ
abrj-454	204	19	relationships	relationship	NOUN
abrj-454	204	20	,	,	PUNCT
abrj-454	204	21	suggesting	suggest	VERB
abrj-454	204	22	absence	absence	NOUN
abrj-454	204	23	of	of	ADP
abrj-454	204	24	mode	mode	NOUN
abrj-454	204	25	effects	effect	NOUN
abrj-454	204	26	.	.	PUNCT
abrj-454	205	1	the	the	DET
abrj-454	205	2	demographic	demographic	ADJ
abrj-454	205	3	composition	composition	NOUN
abrj-454	205	4	of	of	ADP
abrj-454	205	5	the	the	DET
abrj-454	205	6	final	final	ADJ
abrj-454	205	7	sample	sample	NOUN
abrj-454	205	8	demonstrated	demonstrate	VERB
abrj-454	205	9	the	the	DET
abrj-454	205	10	following	following	ADJ
abrj-454	205	11	characteristics	characteristic	NOUN
abrj-454	205	12	:	:	PUNCT
abrj-454	205	13	58	58	NUM
abrj-454	205	14	%	%	NOUN
abrj-454	205	15	male	male	NOUN
abrj-454	205	16	and	and	CCONJ
abrj-454	205	17	42	42	NUM
abrj-454	205	18	%	%	NOUN
abrj-454	205	19	female	female	NOUN
abrj-454	205	20	;	;	PUNCT
abrj-454	205	21	age	age	NOUN
abrj-454	205	22	distribution	distribution	NOUN
abrj-454	205	23	of	of	ADP
abrj-454	205	24	18	18	NUM
abrj-454	205	25	-	-	SYM
abrj-454	205	26	25	25	NUM
abrj-454	205	27	(	(	PUNCT
abrj-454	205	28	14	14	NUM
abrj-454	205	29	%	%	NOUN
abrj-454	205	30	)	)	PUNCT
abrj-454	205	31	,	,	PUNCT
abrj-454	205	32	26	26	NUM
abrj-454	205	33	-	-	SYM
abrj-454	205	34	35	35	NUM
abrj-454	205	35	(	(	PUNCT
abrj-454	205	36	47	47	NUM
abrj-454	205	37	%	%	NOUN
abrj-454	205	38	)	)	PUNCT
abrj-454	205	39	,	,	PUNCT
abrj-454	205	40	36	36	NUM
abrj-454	205	41	-	-	SYM
abrj-454	205	42	45	45	NUM
abrj-454	205	43	(	(	PUNCT
abrj-454	205	44	28	28	NUM
abrj-454	205	45	%	%	NOUN
abrj-454	205	46	)	)	PUNCT
abrj-454	205	47	,	,	PUNCT
abrj-454	205	48	and	and	CCONJ
abrj-454	205	49	over	over	ADP
abrj-454	205	50	45	45	NUM
abrj-454	205	51	(	(	PUNCT
abrj-454	205	52	11	11	NUM
abrj-454	205	53	%	%	NOUN
abrj-454	205	54	)	)	PUNCT
abrj-454	205	55	;	;	PUNCT
abrj-454	205	56	educational	educational	ADJ
abrj-454	205	57	attainment	attainment	ADJ
abrj-454	205	58	distribution	distribution	NOUN
abrj-454	205	59	of	of	ADP
abrj-454	205	60	high	high	ADJ
abrj-454	205	61	school	school	NOUN
abrj-454	205	62	or	or	CCONJ
abrj-454	205	63	below	below	ADV
abrj-454	205	64	(	(	PUNCT
abrj-454	205	65	22	22	NUM
abrj-454	205	66	%	%	NOUN
abrj-454	205	67	)	)	PUNCT
abrj-454	205	68	,	,	PUNCT
abrj-454	205	69	undergraduate	undergraduate	NOUN
abrj-454	205	70	degree	degree	NOUN
abrj-454	205	71	(	(	PUNCT
abrj-454	205	72	63	63	NUM
abrj-454	205	73	%	%	NOUN
abrj-454	205	74	)	)	PUNCT
abrj-454	205	75	,	,	PUNCT
abrj-454	205	76	and	and	CCONJ
abrj-454	205	77	postgraduate	postgraduate	NOUN
abrj-454	205	78	qualification	qualification	NOUN
abrj-454	205	79	(	(	PUNCT
abrj-454	205	80	15	15	NUM
abrj-454	205	81	%	%	NOUN
abrj-454	205	82	)	)	PUNCT
abrj-454	205	83	;	;	PUNCT
abrj-454	205	84	income	income	NOUN
abrj-454	205	85	distribution	distribution	NOUN
abrj-454	205	86	aligned	align	VERB
abrj-454	205	87	approximately	approximately	ADV
abrj-454	205	88	with	with	ADP
abrj-454	205	89	vietnam	vietnam	PROPN
abrj-454	205	90	's	's	PART
abrj-454	205	91	urban	urban	ADJ
abrj-454	205	92	middle	middle	ADJ
abrj-454	205	93	class	class	NOUN
abrj-454	205	94	,	,	PUNCT
abrj-454	205	95	with	with	ADP
abrj-454	205	96	68	68	NUM
abrj-454	205	97	%	%	NOUN
abrj-454	205	98	of	of	ADP
abrj-454	205	99	respondents	respondent	NOUN
abrj-454	205	100	reporting	report	VERB
abrj-454	205	101	monthly	monthly	ADJ
abrj-454	205	102	household	household	NOUN
abrj-454	205	103	income	income	NOUN
abrj-454	205	104	between	between	ADP
abrj-454	205	105	10	10	NUM
abrj-454	205	106	and	and	CCONJ
abrj-454	205	107	30	30	NUM
abrj-454	205	108	million	million	NUM
abrj-454	205	109	vnd	vnd	PROPN
abrj-454	205	110	.	.	PUNCT
abrj-454	206	1	geographically	geographically	ADV
abrj-454	206	2	,	,	PUNCT
abrj-454	206	3	62	62	NUM
abrj-454	206	4	%	%	NOUN
abrj-454	206	5	of	of	ADP
abrj-454	206	6	respondents	respondent	NOUN
abrj-454	206	7	resided	reside	VERB
abrj-454	206	8	in	in	ADP
abrj-454	206	9	vietnam	vietnam	PROPN
abrj-454	206	10	's	's	PART
abrj-454	206	11	two	two	NUM
abrj-454	206	12	largest	large	ADJ
abrj-454	206	13	urban	urban	ADJ
abrj-454	206	14	centres	centre	NOUN
abrj-454	206	15	(	(	PUNCT
abrj-454	206	16	hanoi	hanoi	PROPN
abrj-454	206	17	and	and	CCONJ
abrj-454	206	18	ho	ho	PROPN
abrj-454	206	19	chi	chi	PROPN
abrj-454	206	20	minh	minh	PROPN
abrj-454	206	21	city	city	PROPN
abrj-454	206	22	)	)	PUNCT
abrj-454	206	23	,	,	PUNCT
abrj-454	206	24	with	with	SCONJ
abrj-454	206	25	the	the	DET
abrj-454	206	26	remainder	remainder	NOUN
abrj-454	206	27	distributed	distribute	VERB
abrj-454	206	28	across	across	ADP
abrj-454	206	29	secondary	secondary	ADJ
abrj-454	206	30	cities	city	NOUN
abrj-454	206	31	(	(	PUNCT
abrj-454	206	32	23	23	NUM
abrj-454	206	33	%	%	NOUN
abrj-454	206	34	)	)	PUNCT
abrj-454	206	35	and	and	CCONJ
abrj-454	206	36	rural	rural	ADJ
abrj-454	206	37	areas	area	NOUN
abrj-454	206	38	(	(	PUNCT
abrj-454	206	39	15	15	NUM
abrj-454	206	40	%	%	NOUN
abrj-454	206	41	)	)	PUNCT
abrj-454	206	42	.	.	PUNCT
abrj-454	207	1	3.3	3.3	NUM
abrj-454	207	2	.	.	PUNCT
abrj-454	208	1	measurement	measurement	PROPN
abrj-454	208	2	&	&	CCONJ
abrj-454	208	3	validation	validation	PROPN
abrj-454	208	4	the	the	DET
abrj-454	208	5	measurement	measurement	NOUN
abrj-454	208	6	instrument	instrument	NOUN
abrj-454	208	7	incorporated	incorporate	VERB
abrj-454	208	8	established	establish	VERB
abrj-454	208	9	scales	scale	NOUN
abrj-454	208	10	where	where	SCONJ
abrj-454	208	11	available	available	ADJ
abrj-454	208	12	,	,	PUNCT
abrj-454	208	13	adapted	adapt	VERB
abrj-454	208	14	to	to	ADP
abrj-454	208	15	the	the	DET
abrj-454	208	16	vietnamese	vietnamese	ADJ
abrj-454	208	17	context	context	VERB
abrj-454	208	18	through	through	ADP
abrj-454	208	19	pilot	pilot	NOUN
abrj-454	208	20	testing	testing	NOUN
abrj-454	208	21	and	and	CCONJ
abrj-454	208	22	expert	expert	NOUN
abrj-454	208	23	review	review	NOUN
abrj-454	208	24	.	.	PUNCT
abrj-454	209	1	financial	financial	ADJ
abrj-454	209	2	literacy	literacy	NOUN
abrj-454	209	3	measurement	measurement	NOUN
abrj-454	209	4	utilised	utilise	VERB
abrj-454	209	5	a	a	DET
abrj-454	209	6	modified	modify	VERB
abrj-454	209	7	version	version	NOUN
abrj-454	209	8	of	of	ADP
abrj-454	209	9	the	the	DET
abrj-454	209	10	oecd	oecd	PROPN
abrj-454	209	11	/	/	SYM
abrj-454	209	12	infe	infe	PROPN
abrj-454	209	13	instrument	instrument	NOUN
abrj-454	209	14	(	(	PUNCT
abrj-454	209	15	atkinson	atkinson	PROPN
abrj-454	209	16	&	&	CCONJ
abrj-454	209	17	messy	messy	PROPN
abrj-454	209	18	,	,	PUNCT
abrj-454	209	19	2012	2012	NUM
abrj-454	209	20	)	)	PUNCT
abrj-454	209	21	,	,	PUNCT
abrj-454	209	22	comprising	comprise	VERB
abrj-454	209	23	three	three	NUM
abrj-454	209	24	subscales	subscale	NOUN
abrj-454	209	25	:	:	PUNCT
abrj-454	209	26	financial	financial	ADJ
abrj-454	209	27	knowledge	knowledge	NOUN
abrj-454	209	28	(	(	PUNCT
abrj-454	209	29	8	8	NUM
abrj-454	209	30	items	item	NOUN
abrj-454	209	31	)	)	PUNCT
abrj-454	209	32	,	,	PUNCT
abrj-454	209	33	financial	financial	ADJ
abrj-454	209	34	attitudes	attitude	NOUN
abrj-454	209	35	(	(	PUNCT
abrj-454	209	36	6	6	NUM
abrj-454	209	37	items	item	NOUN
abrj-454	209	38	)	)	PUNCT
abrj-454	209	39	,	,	PUNCT
abrj-454	209	40	and	and	CCONJ
abrj-454	209	41	financial	financial	ADJ
abrj-454	209	42	behaviour	behaviour	NOUN
abrj-454	209	43	(	(	PUNCT
abrj-454	209	44	7	7	NUM
abrj-454	209	45	items	item	NOUN
abrj-454	209	46	)	)	PUNCT
abrj-454	209	47	.	.	PUNCT
abrj-454	210	1	the	the	DET
abrj-454	210	2	financial	financial	ADJ
abrj-454	210	3	knowledge	knowledge	NOUN
abrj-454	210	4	subscale	subscale	PROPN
abrj-454	210	5	included	include	VERB
abrj-454	210	6	both	both	DET
abrj-454	210	7	general	general	ADJ
abrj-454	210	8	questions	question	NOUN
abrj-454	210	9	regarding	regard	VERB
abrj-454	210	10	interest	interest	NOUN
abrj-454	210	11	calculation	calculation	NOUN
abrj-454	210	12	,	,	PUNCT
abrj-454	210	13	inflation	inflation	NOUN
abrj-454	210	14	,	,	PUNCT
abrj-454	210	15	and	and	CCONJ
abrj-454	210	16	diversification	diversification	NOUN
abrj-454	210	17	,	,	PUNCT
abrj-454	210	18	and	and	CCONJ
abrj-454	210	19	context	context	NOUN
abrj-454	210	20	-	-	PUNCT
abrj-454	210	21	specific	specific	ADJ
abrj-454	210	22	items	item	NOUN
abrj-454	210	23	regarding	regard	VERB
abrj-454	210	24	p2p	p2p	NOUN
abrj-454	210	25	lending	lending	NOUN
abrj-454	210	26	mechanisms	mechanism	NOUN
abrj-454	210	27	.	.	PUNCT
abrj-454	211	1	this	this	DET
abrj-454	211	2	approach	approach	NOUN
abrj-454	211	3	follows	follow	VERB
abrj-454	211	4	huston	huston	PROPN
abrj-454	211	5	's	's	PART
abrj-454	211	6	(	(	PUNCT
abrj-454	211	7	2010	2010	NUM
abrj-454	211	8	)	)	PUNCT
abrj-454	211	9	recommendation	recommendation	NOUN
abrj-454	211	10	to	to	PART
abrj-454	211	11	include	include	VERB
abrj-454	211	12	both	both	PRON
abrj-454	211	13	general	general	ADJ
abrj-454	211	14	and	and	CCONJ
abrj-454	211	15	domain	domain	NOUN
abrj-454	211	16	-	-	PUNCT
abrj-454	211	17	specific	specific	ADJ
abrj-454	211	18	knowledge	knowledge	NOUN
abrj-454	211	19	items	item	NOUN
abrj-454	211	20	when	when	SCONJ
abrj-454	211	21	examining	examine	VERB
abrj-454	211	22	specific	specific	ADJ
abrj-454	211	23	financial	financial	ADJ
abrj-454	211	24	behaviours	behaviour	NOUN
abrj-454	211	25	.	.	PUNCT
abrj-454	212	1	platform	platform	NOUN
abrj-454	212	2	adoption	adoption	NOUN
abrj-454	212	3	and	and	CCONJ
abrj-454	212	4	usage	usage	NOUN
abrj-454	212	5	were	be	AUX
abrj-454	212	6	measured	measure	VERB
abrj-454	212	7	through	through	ADP
abrj-454	212	8	a	a	DET
abrj-454	212	9	combination	combination	NOUN
abrj-454	212	10	of	of	ADP
abrj-454	212	11	behavioural	behavioural	ADJ
abrj-454	212	12	and	and	CCONJ
abrj-454	212	13	self	self	NOUN
abrj-454	212	14	-	-	PUNCT
abrj-454	212	15	reported	report	VERB
abrj-454	212	16	items	item	NOUN
abrj-454	212	17	.	.	PUNCT
abrj-454	213	1	behavioural	behavioural	ADJ
abrj-454	213	2	measures	measure	NOUN
abrj-454	213	3	obtained	obtain	VERB
abrj-454	213	4	directly	directly	ADV
abrj-454	213	5	from	from	ADP
abrj-454	213	6	platform	platform	NOUN
abrj-454	213	7	operators	operator	NOUN
abrj-454	213	8	(	(	PUNCT
abrj-454	213	9	with	with	ADP
abrj-454	213	10	respondent	respondent	ADJ
abrj-454	213	11	consent	consent	NOUN
abrj-454	213	12	)	)	PUNCT
abrj-454	213	13	included	include	VERB
abrj-454	213	14	account	account	NOUN
abrj-454	213	15	tenure	tenure	NOUN
abrj-454	213	16	,	,	PUNCT
abrj-454	213	17	transaction	transaction	NOUN
abrj-454	213	18	volume	volume	NOUN
abrj-454	213	19	,	,	PUNCT
abrj-454	213	20	and	and	CCONJ
abrj-454	213	21	functional	functional	ADJ
abrj-454	213	22	diversity	diversity	NOUN
abrj-454	213	23	(	(	PUNCT
abrj-454	213	24	number	number	NOUN
abrj-454	213	25	of	of	ADP
abrj-454	213	26	distinct	distinct	ADJ
abrj-454	213	27	platform	platform	NOUN
abrj-454	213	28	features	feature	NOUN
abrj-454	213	29	utilised	utilise	VERB
abrj-454	213	30	)	)	PUNCT
abrj-454	213	31	.	.	PUNCT
abrj-454	214	1	self	self	NOUN
abrj-454	214	2	-	-	PUNCT
abrj-454	214	3	reported	report	VERB
abrj-454	214	4	measures	measure	NOUN
abrj-454	214	5	included	include	VERB
abrj-454	214	6	usage	usage	NOUN
abrj-454	214	7	frequency	frequency	NOUN
abrj-454	214	8	,	,	PUNCT
abrj-454	214	9	transaction	transaction	NOUN
abrj-454	214	10	complexity	complexity	NOUN
abrj-454	214	11	(	(	PUNCT
abrj-454	214	12	types	type	NOUN
abrj-454	214	13	of	of	ADP
abrj-454	214	14	lending	lending	NOUN
abrj-454	214	15	/	/	SYM
abrj-454	214	16	borrowing	borrowing	NOUN
abrj-454	214	17	activities	activity	NOUN
abrj-454	214	18	undertaken	undertake	VERB
abrj-454	214	19	)	)	PUNCT
abrj-454	214	20	,	,	PUNCT
abrj-454	214	21	and	and	CCONJ
abrj-454	214	22	future	future	ADJ
abrj-454	214	23	usage	usage	NOUN
abrj-454	214	24	intentions	intention	NOUN
abrj-454	214	25	.	.	PUNCT
abrj-454	215	1	this	this	DET
abrj-454	215	2	multi	multi	ADJ
abrj-454	215	3	-	-	ADJ
abrj-454	215	4	source	source	ADJ
abrj-454	215	5	measurement	measurement	NOUN
abrj-454	215	6	approach	approach	NOUN
abrj-454	215	7	mitigates	mitigate	VERB
abrj-454	215	8	common	common	ADJ
abrj-454	215	9	method	method	NOUN
abrj-454	215	10	bias	bias	NOUN
abrj-454	215	11	concerns	concern	NOUN
abrj-454	215	12	while	while	SCONJ
abrj-454	215	13	enhancing	enhance	VERB
abrj-454	215	14	construct	construct	NOUN
abrj-454	215	15	validity	validity	NOUN
abrj-454	215	16	(	(	PUNCT
abrj-454	215	17	podsakoff	podsakoff	NOUN
abrj-454	215	18	et	et	PROPN
abrj-454	215	19	al	al	PROPN
abrj-454	215	20	.	.	PROPN
abrj-454	215	21	,	,	PUNCT
abrj-454	215	22	2003	2003	NUM
abrj-454	215	23	)	)	PUNCT
abrj-454	215	24	.	.	PUNCT
abrj-454	216	1	mediating	mediate	VERB
abrj-454	216	2	variables	variable	NOUN
abrj-454	216	3	were	be	AUX
abrj-454	216	4	operationalised	operationalise	VERB
abrj-454	216	5	using	use	VERB
abrj-454	216	6	established	establish	VERB
abrj-454	216	7	scales	scale	NOUN
abrj-454	216	8	adapted	adapt	VERB
abrj-454	216	9	to	to	ADP
abrj-454	216	10	the	the	DET
abrj-454	216	11	digital	digital	ADJ
abrj-454	216	12	financial	financial	ADJ
abrj-454	216	13	context	context	NOUN
abrj-454	216	14	.	.	PUNCT
abrj-454	217	1	perceived	perceive	VERB
abrj-454	217	2	risk	risk	NOUN
abrj-454	217	3	utilised	utilise	VERB
abrj-454	217	4	a	a	DET
abrj-454	217	5	six	six	NUM
abrj-454	217	6	-	-	PUNCT
abrj-454	217	7	item	item	NOUN
abrj-454	217	8	scale	scale	NOUN
abrj-454	217	9	adapted	adapt	VERB
abrj-454	217	10	from	from	ADP
abrj-454	217	11	featherman	featherman	NOUN
abrj-454	217	12	and	and	CCONJ
abrj-454	217	13	pavlou	pavlou	PROPN
abrj-454	217	14	(	(	PUNCT
abrj-454	217	15	2003	2003	NUM
abrj-454	217	16	)	)	PUNCT
abrj-454	217	17	,	,	PUNCT
abrj-454	217	18	encompassing	encompass	VERB
abrj-454	217	19	financial	financial	ADJ
abrj-454	217	20	,	,	PUNCT
abrj-454	217	21	performance	performance	NOUN
abrj-454	217	22	,	,	PUNCT
abrj-454	217	23	privacy	privacy	NOUN
abrj-454	217	24	,	,	PUNCT
abrj-454	217	25	and	and	CCONJ
abrj-454	217	26	social	social	ADJ
abrj-454	217	27	dimensions	dimension	NOUN
abrj-454	217	28	of	of	ADP
abrj-454	217	29	risk	risk	NOUN
abrj-454	217	30	.	.	PUNCT
abrj-454	218	1	trust	trust	NOUN
abrj-454	218	2	was	be	AUX
abrj-454	218	3	measured	measure	VERB
abrj-454	218	4	using	use	VERB
abrj-454	218	5	an	an	DET
abrj-454	218	6	eight	eight	NUM
abrj-454	218	7	-	-	PUNCT
abrj-454	218	8	item	item	NOUN
abrj-454	218	9	scale	scale	NOUN
abrj-454	218	10	incorporating	incorporate	VERB
abrj-454	218	11	both	both	CCONJ
abrj-454	218	12	institutional	institutional	ADJ
abrj-454	218	13	and	and	CCONJ
abrj-454	218	14	interpersonal	interpersonal	ADJ
abrj-454	218	15	dimensions	dimension	NOUN
abrj-454	218	16	,	,	PUNCT
abrj-454	218	17	adapted	adapt	VERB
abrj-454	218	18	from	from	ADP
abrj-454	218	19	mcknight	mcknight	PROPN
abrj-454	218	20	et	et	PROPN
abrj-454	218	21	al	al	PROPN
abrj-454	218	22	.	.	PROPN
abrj-454	219	1	(	(	PUNCT
abrj-454	219	2	2002	2002	NUM
abrj-454	219	3	)	)	PUNCT
abrj-454	219	4	.	.	PUNCT
abrj-454	220	1	self	self	NOUN
abrj-454	220	2	-	-	PUNCT
abrj-454	220	3	efficacy	efficacy	NOUN
abrj-454	220	4	regarding	regard	VERB
abrj-454	220	5	digital	digital	ADJ
abrj-454	220	6	financial	financial	ADJ
abrj-454	220	7	management	management	NOUN
abrj-454	220	8	was	be	AUX
abrj-454	220	9	measured	measure	VERB
abrj-454	220	10	using	use	VERB
abrj-454	220	11	a	a	DET
abrj-454	220	12	five	five	NUM
abrj-454	220	13	-	-	PUNCT
abrj-454	220	14	item	item	NOUN
abrj-454	220	15	scale	scale	NOUN
abrj-454	220	16	adapted	adapt	VERB
abrj-454	220	17	from	from	ADP
abrj-454	220	18	lusardi	lusardi	PROPN
abrj-454	220	19	and	and	CCONJ
abrj-454	220	20	mitchell	mitchell	PROPN
abrj-454	220	21	(	(	PUNCT
abrj-454	220	22	2014	2014	NUM
abrj-454	220	23	)	)	PUNCT
abrj-454	220	24	,	,	PUNCT
abrj-454	220	25	focusing	focus	VERB
abrj-454	220	26	specifically	specifically	ADV
abrj-454	220	27	on	on	ADP
abrj-454	220	28	confidence	confidence	NOUN
abrj-454	220	29	in	in	ADP
abrj-454	220	30	executing	execute	VERB
abrj-454	220	31	digital	digital	ADJ
abrj-454	220	32	financial	financial	ADJ
abrj-454	220	33	transactions	transaction	NOUN
abrj-454	220	34	.	.	PUNCT
abrj-454	221	1	the	the	DET
abrj-454	221	2	measurement	measurement	NOUN
abrj-454	221	3	instrument	instrument	NOUN
abrj-454	221	4	underwent	undergo	VERB
abrj-454	221	5	rigorous	rigorous	ADJ
abrj-454	221	6	validation	validation	NOUN
abrj-454	221	7	procedures	procedure	NOUN
abrj-454	221	8	prior	prior	ADV
abrj-454	221	9	to	to	ADP
abrj-454	221	10	full	full	ADJ
abrj-454	221	11	deployment	deployment	NOUN
abrj-454	221	12	.	.	PUNCT
abrj-454	222	1	first	first	ADV
abrj-454	222	2	,	,	PUNCT
abrj-454	222	3	content	content	NOUN
abrj-454	222	4	validity	validity	NOUN
abrj-454	222	5	was	be	AUX
abrj-454	222	6	established	establish	VERB
abrj-454	222	7	through	through	ADP
abrj-454	222	8	expert	expert	NOUN
abrj-454	222	9	review	review	NOUN
abrj-454	222	10	by	by	ADP
abrj-454	222	11	six	six	NUM
abrj-454	222	12	academics	academic	NOUN
abrj-454	222	13	specialising	specialise	VERB
abrj-454	222	14	in	in	ADP
abrj-454	222	15	financial	financial	ADJ
abrj-454	222	16	behaviour	behaviour	NOUN
abrj-454	222	17	and	and	CCONJ
abrj-454	222	18	digital	digital	ADJ
abrj-454	222	19	technology	technology	NOUN
abrj-454	222	20	adoption	adoption	NOUN
abrj-454	222	21	,	,	PUNCT
abrj-454	222	22	resulting	result	VERB
abrj-454	222	23	in	in	ADP
abrj-454	222	24	refinement	refinement	NOUN
abrj-454	222	25	of	of	ADP
abrj-454	222	26	item	item	NOUN
abrj-454	222	27	wording	wording	NOUN
abrj-454	222	28	and	and	CCONJ
abrj-454	222	29	elimination	elimination	NOUN
abrj-454	222	30	of	of	ADP
abrj-454	222	31	redundant	redundant	ADJ
abrj-454	222	32	measures	measure	NOUN
abrj-454	222	33	.	.	PUNCT
abrj-454	223	1	second	second	ADJ
abrj-454	223	2	,	,	PUNCT
abrj-454	223	3	a	a	DET
abrj-454	223	4	pilot	pilot	NOUN
abrj-454	223	5	test	test	NOUN
abrj-454	223	6	with	with	ADP
abrj-454	223	7	45	45	NUM
abrj-454	223	8	participants	participant	NOUN
abrj-454	223	9	representative	representative	NOUN
abrj-454	223	10	of	of	ADP
abrj-454	223	11	the	the	DET
abrj-454	223	12	target	target	NOUN
abrj-454	223	13	population	population	NOUN
abrj-454	223	14	enabled	enable	VERB
abrj-454	223	15	preliminary	preliminary	ADJ
abrj-454	223	16	assessment	assessment	NOUN
abrj-454	223	17	of	of	ADP
abrj-454	223	18	reliability	reliability	NOUN
abrj-454	223	19	and	and	CCONJ
abrj-454	223	20	validity	validity	NOUN
abrj-454	223	21	,	,	PUNCT
abrj-454	223	22	leading	lead	VERB
abrj-454	223	23	to	to	ADP
abrj-454	223	24	further	further	ADJ
abrj-454	223	25	refinement	refinement	NOUN
abrj-454	223	26	.	.	PUNCT
abrj-454	224	1	translation	translation	NOUN
abrj-454	224	2	equivalence	equivalence	NOUN
abrj-454	224	3	was	be	AUX
abrj-454	224	4	ensured	ensure	VERB
abrj-454	224	5	through	through	ADP
abrj-454	224	6	independent	independent	ADJ
abrj-454	224	7	back	back	NOUN
abrj-454	224	8	-	-	PUNCT
abrj-454	224	9	translation	translation	NOUN
abrj-454	224	10	by	by	ADP
abrj-454	224	11	two	two	NUM
abrj-454	224	12	bilingual	bilingual	ADJ
abrj-454	224	13	experts	expert	NOUN
abrj-454	224	14	in	in	ADP
abrj-454	224	15	financial	financial	ADJ
abrj-454	224	16	terminology	terminology	NOUN
abrj-454	224	17	(	(	PUNCT
abrj-454	224	18	brislin	brislin	PROPN
abrj-454	224	19	,	,	PUNCT
abrj-454	224	20	1970	1970	NUM
abrj-454	224	21	)	)	PUNCT
abrj-454	224	22	.	.	PUNCT
abrj-454	225	1	the	the	DET
abrj-454	225	2	final	final	ADJ
abrj-454	225	3	survey	survey	NOUN
abrj-454	225	4	instrument	instrument	NOUN
abrj-454	225	5	employed	employ	VERB
abrj-454	225	6	a	a	DET
abrj-454	225	7	seven	seven	NUM
abrj-454	225	8	-	-	PUNCT
abrj-454	225	9	point	point	NOUN
abrj-454	225	10	likert	likert	ADJ
abrj-454	225	11	scale	scale	NOUN
abrj-454	225	12	for	for	ADP
abrj-454	225	13	attitudinal	attitudinal	ADJ
abrj-454	225	14	items	item	NOUN
abrj-454	225	15	,	,	PUNCT
abrj-454	225	16	semantic	semantic	ADJ
abrj-454	225	17	differential	differential	NOUN
abrj-454	225	18	scales	scale	NOUN
abrj-454	225	19	for	for	ADP
abrj-454	225	20	evaluative	evaluative	ADJ
abrj-454	225	21	items	item	NOUN
abrj-454	225	22	,	,	PUNCT
abrj-454	225	23	and	and	CCONJ
abrj-454	225	24	a	a	DET
abrj-454	225	25	combination	combination	NOUN
abrj-454	225	26	of	of	ADP
abrj-454	225	27	dichotomous	dichotomous	ADJ
abrj-454	225	28	and	and	CCONJ
abrj-454	225	29	multiple	multiple	ADJ
abrj-454	225	30	-	-	PUNCT
abrj-454	225	31	choice	choice	NOUN
abrj-454	225	32	formats	format	NOUN
abrj-454	225	33	for	for	ADP
abrj-454	225	34	factual	factual	ADJ
abrj-454	225	35	and	and	CCONJ
abrj-454	225	36	behavioural	behavioural	ADJ
abrj-454	225	37	items	item	NOUN
abrj-454	225	38	.	.	PUNCT
abrj-454	226	1	the	the	DET
abrj-454	226	2	instrument	instrument	NOUN
abrj-454	226	3	's	's	PART
abrj-454	226	4	structure	structure	NOUN
abrj-454	226	5	minimised	minimise	VERB
abrj-454	226	6	potential	potential	ADJ
abrj-454	226	7	response	response	NOUN
abrj-454	226	8	biases	bias	NOUN
abrj-454	226	9	by	by	ADP
abrj-454	226	10	varying	vary	VERB
abrj-454	226	11	scale	scale	NOUN
abrj-454	226	12	formats	format	NOUN
abrj-454	226	13	,	,	PUNCT
abrj-454	226	14	incorporating	incorporate	VERB
abrj-454	226	15	reverse	reverse	NOUN
abrj-454	226	16	-	-	PUNCT
abrj-454	226	17	coded	code	VERB
abrj-454	226	18	items	item	NOUN
abrj-454	226	19	,	,	PUNCT
abrj-454	226	20	and	and	CCONJ
abrj-454	226	21	separating	separate	VERB
abrj-454	226	22	predictor	predictor	NOUN
abrj-454	226	23	and	and	CCONJ
abrj-454	226	24	criterion	criterion	NOUN
abrj-454	226	25	measures	measure	NOUN
abrj-454	226	26	(	(	PUNCT
abrj-454	226	27	podsakoff	podsakoff	NOUN
abrj-454	226	28	et	et	PROPN
abrj-454	226	29	al	al	PROPN
abrj-454	226	30	.	.	PROPN
abrj-454	226	31	,	,	PUNCT
abrj-454	226	32	2003	2003	NUM
abrj-454	226	33	)	)	PUNCT
abrj-454	226	34	.	.	PUNCT
abrj-454	227	1	the	the	DET
abrj-454	227	2	complete	complete	ADJ
abrj-454	227	3	instrument	instrument	NOUN
abrj-454	227	4	comprised	comprise	VERB
abrj-454	227	5	78	78	NUM
abrj-454	227	6	items	item	NOUN
abrj-454	227	7	across	across	ADP
abrj-454	227	8	all	all	DET
abrj-454	227	9	constructs	construct	NOUN
abrj-454	227	10	,	,	PUNCT
abrj-454	227	11	including	include	VERB
abrj-454	227	12	demographic	demographic	ADJ
abrj-454	227	13	and	and	CCONJ
abrj-454	227	14	control	control	NOUN
abrj-454	227	15	variables	variable	NOUN
abrj-454	227	16	,	,	PUNCT
abrj-454	227	17	with	with	ADP
abrj-454	227	18	an	an	DET
abrj-454	227	19	average	average	ADJ
abrj-454	227	20	completion	completion	NOUN
abrj-454	227	21	time	time	NOUN
abrj-454	227	22	of	of	ADP
abrj-454	227	23	22	22	NUM
abrj-454	227	24	minutes	minute	NOUN
abrj-454	227	25	.	.	PUNCT
abrj-454	228	1	3.4	3.4	NUM
abrj-454	228	2	.	.	PUNCT
abrj-454	228	3	analytical	analytical	ADJ
abrj-454	228	4	procedure	procedure	NOUN
abrj-454	228	5	data	datum	NOUN
abrj-454	228	6	analysis	analysis	NOUN
abrj-454	228	7	followed	follow	VERB
abrj-454	228	8	a	a	DET
abrj-454	228	9	systematic	systematic	ADJ
abrj-454	228	10	,	,	PUNCT
abrj-454	228	11	multi	multi	ADJ
abrj-454	228	12	-	-	ADJ
abrj-454	228	13	stage	stage	NOUN
abrj-454	228	14	procedure	procedure	NOUN
abrj-454	228	15	aligned	align	VERB
abrj-454	228	16	with	with	ADP
abrj-454	228	17	established	established	ADJ
abrj-454	228	18	protocols	protocol	NOUN
abrj-454	228	19	for	for	ADP
abrj-454	228	20	pls	pls	NOUN
abrj-454	228	21	-	-	PUNCT
abrj-454	228	22	sem	sem	NOUN
abrj-454	228	23	assessment	assessment	NOUN
abrj-454	228	24	(	(	PUNCT
abrj-454	228	25	hair	hair	NOUN
abrj-454	228	26	et	et	PROPN
abrj-454	228	27	al	al	PROPN
abrj-454	228	28	.	.	PROPN
abrj-454	228	29	,	,	PUNCT
abrj-454	228	30	2014	2014	NUM
abrj-454	228	31	)	)	PUNCT
abrj-454	228	32	.	.	PUNCT
abrj-454	229	1	the	the	DET
abrj-454	229	2	analytical	analytical	ADJ
abrj-454	229	3	software	software	NOUN
abrj-454	229	4	utilised	utilise	VERB
abrj-454	229	5	was	be	AUX
abrj-454	229	6	smartpls	smartpls	NOUN
abrj-454	229	7	4.0	4.0	NUM
abrj-454	229	8	,	,	PUNCT
abrj-454	229	9	supplemented	supplement	VERB
abrj-454	229	10	by	by	ADP
abrj-454	229	11	spss	spss	PROPN
abrj-454	229	12	25.0	25.0	NUM
abrj-454	229	13	for	for	ADP
abrj-454	229	14	preliminary	preliminary	ADJ
abrj-454	229	15	data	datum	NOUN
abrj-454	229	16	screening	screening	NOUN
abrj-454	229	17	and	and	CCONJ
abrj-454	229	18	fsqca	fsqca	NOUN
abrj-454	229	19	3.0	3.0	NUM
abrj-454	229	20	for	for	ADP
abrj-454	229	21	configurational	configurational	ADJ
abrj-454	229	22	analysis	analysis	NOUN
abrj-454	229	23	.	.	PUNCT
abrj-454	230	1	the	the	DET
abrj-454	230	2	analytical	analytical	ADJ
abrj-454	230	3	procedure	procedure	NOUN
abrj-454	230	4	comprised	comprise	VERB
abrj-454	230	5	four	four	NUM
abrj-454	230	6	sequential	sequential	ADJ
abrj-454	230	7	phases	phase	NOUN
abrj-454	230	8	:	:	PUNCT
abrj-454	230	9	(	(	PUNCT
abrj-454	230	10	1	1	X
abrj-454	230	11	)	)	PUNCT
abrj-454	230	12	data	datum	NOUN
abrj-454	230	13	preparation	preparation	NOUN
abrj-454	230	14	and	and	CCONJ
abrj-454	230	15	screening	screening	NOUN
abrj-454	230	16	,	,	PUNCT
abrj-454	230	17	(	(	PUNCT
abrj-454	230	18	2	2	X
abrj-454	230	19	)	)	PUNCT
abrj-454	230	20	measurement	measurement	NOUN
abrj-454	230	21	model	model	NOUN
abrj-454	230	22	assessment	assessment	NOUN
abrj-454	230	23	,	,	PUNCT
abrj-454	230	24	(	(	PUNCT
abrj-454	230	25	3	3	X
abrj-454	230	26	)	)	PUNCT
abrj-454	230	27	structural	structural	ADJ
abrj-454	230	28	model	model	NOUN
abrj-454	230	29	evaluation	evaluation	NOUN
abrj-454	230	30	,	,	PUNCT
abrj-454	230	31	and	and	CCONJ
abrj-454	230	32	(	(	PUNCT
abrj-454	230	33	4	4	X
abrj-454	230	34	)	)	PUNCT
abrj-454	230	35	supplementary	supplementary	ADJ
abrj-454	230	36	analyses	analysis	NOUN
abrj-454	230	37	.	.	PUNCT
abrj-454	231	1	the	the	DET
abrj-454	231	2	initial	initial	ADJ
abrj-454	231	3	data	data	NOUN
abrj-454	231	4	preparation	preparation	NOUN
abrj-454	231	5	phase	phase	NOUN
abrj-454	231	6	included	include	VERB
abrj-454	231	7	examination	examination	NOUN
abrj-454	231	8	of	of	ADP
abrj-454	231	9	missing	miss	VERB
abrj-454	231	10	values	value	NOUN
abrj-454	231	11	,	,	PUNCT
abrj-454	231	12	identification	identification	NOUN
abrj-454	231	13	of	of	ADP
abrj-454	231	14	outliers	outlier	NOUN
abrj-454	231	15	,	,	PUNCT
abrj-454	231	16	and	and	CCONJ
abrj-454	231	17	assessment	assessment	NOUN
abrj-454	231	18	of	of	ADP
abrj-454	231	19	distributional	distributional	ADJ
abrj-454	231	20	properties	property	NOUN
abrj-454	231	21	.	.	PUNCT
abrj-454	232	1	missing	miss	VERB
abrj-454	232	2	values	value	NOUN
abrj-454	232	3	were	be	AUX
abrj-454	232	4	addressed	address	VERB
abrj-454	232	5	through	through	ADP
abrj-454	232	6	multiple	multiple	ADJ
abrj-454	232	7	imputation	imputation	NOUN
abrj-454	232	8	procedures	procedure	NOUN
abrj-454	232	9	where	where	SCONJ
abrj-454	232	10	missing	miss	VERB
abrj-454	232	11	data	datum	NOUN
abrj-454	232	12	comprised	comprise	VERB
abrj-454	232	13	less	less	ADJ
abrj-454	232	14	than	than	ADP
abrj-454	232	15	5	5	NUM
abrj-454	232	16	%	%	NOUN
abrj-454	232	17	of	of	ADP
abrj-454	232	18	a	a	DET
abrj-454	232	19	respondent	respondent	NOUN
abrj-454	232	20	's	's	PART
abrj-454	232	21	data	datum	NOUN
abrj-454	232	22	points	point	NOUN
abrj-454	232	23	;	;	PUNCT
abrj-454	232	24	cases	case	NOUN
abrj-454	232	25	exceeding	exceed	VERB
abrj-454	232	26	this	this	DET
abrj-454	232	27	threshold	threshold	NOUN
abrj-454	232	28	were	be	AUX
abrj-454	232	29	excluded	exclude	VERB
abrj-454	232	30	from	from	ADP
abrj-454	232	31	analysis	analysis	NOUN
abrj-454	232	32	(	(	PUNCT
abrj-454	232	33	schafer	schafer	PROPN
abrj-454	232	34	&	&	CCONJ
abrj-454	232	35	graham	graham	PROPN
abrj-454	232	36	,	,	PUNCT
abrj-454	232	37	2002	2002	NUM
abrj-454	232	38	)	)	PUNCT
abrj-454	232	39	.	.	PUNCT
abrj-454	233	1	outlier	outlier	NOUN
abrj-454	233	2	detection	detection	NOUN
abrj-454	233	3	utilised	utilise	VERB
abrj-454	233	4	both	both	CCONJ
abrj-454	233	5	univariate	univariate	ADJ
abrj-454	233	6	(	(	PUNCT
abrj-454	233	7	z	z	NOUN
abrj-454	233	8	-	-	PUNCT
abrj-454	233	9	scores	score	NOUN
abrj-454	233	10	)	)	PUNCT
abrj-454	233	11	and	and	CCONJ
abrj-454	233	12	multivariate	multivariate	NOUN
abrj-454	233	13	(	(	PUNCT
abrj-454	233	14	mahalanobis	mahalanobis	ADJ
abrj-454	233	15	distance	distance	NOUN
abrj-454	233	16	)	)	PUNCT
abrj-454	233	17	approaches	approach	NOUN
abrj-454	233	18	,	,	PUNCT
abrj-454	233	19	with	with	ADP
abrj-454	233	20	identified	identify	VERB
abrj-454	233	21	outliers	outlier	NOUN
abrj-454	233	22	subjected	subject	VERB
abrj-454	233	23	to	to	ADP
abrj-454	233	24	sensitivity	sensitivity	NOUN
abrj-454	233	25	analysis	analysis	NOUN
abrj-454	233	26	to	to	PART
abrj-454	233	27	determine	determine	VERB
abrj-454	233	28	their	their	PRON
abrj-454	233	29	influence	influence	NOUN
abrj-454	233	30	on	on	ADP
abrj-454	233	31	results	result	NOUN
abrj-454	233	32	.	.	PUNCT
abrj-454	234	1	distributional	distributional	ADJ
abrj-454	234	2	assessment	assessment	NOUN
abrj-454	234	3	examined	examine	VERB
abrj-454	234	4	skewness	skewness	NOUN
abrj-454	234	5	and	and	CCONJ
abrj-454	234	6	kurtosis	kurtosis	NOUN
abrj-454	234	7	for	for	ADP
abrj-454	234	8	all	all	DET
abrj-454	234	9	continuous	continuous	ADJ
abrj-454	234	10	variables	variable	NOUN
abrj-454	234	11	,	,	PUNCT
abrj-454	234	12	confirming	confirm	VERB
abrj-454	234	13	the	the	DET
abrj-454	234	14	appropriateness	appropriateness	NOUN
abrj-454	234	15	of	of	ADP
abrj-454	234	16	pls	pls	NOUN
abrj-454	234	17	-	-	PUNCT
abrj-454	234	18	sem	sem	NOUN
abrj-454	234	19	's	's	PART
abrj-454	234	20	distribution	distribution	NOUN
abrj-454	234	21	-	-	PUNCT
abrj-454	234	22	free	free	ADJ
abrj-454	234	23	approach	approach	NOUN
abrj-454	234	24	for	for	ADP
abrj-454	234	25	this	this	DET
abrj-454	234	26	dataset	dataset	NOUN
abrj-454	234	27	(	(	PUNCT
abrj-454	234	28	hair	hair	NOUN
abrj-454	234	29	et	et	PROPN
abrj-454	234	30	al	al	PROPN
abrj-454	234	31	.	.	PROPN
abrj-454	234	32	,	,	PUNCT
abrj-454	234	33	2012	2012	NUM
abrj-454	234	34	)	)	PUNCT
abrj-454	234	35	.	.	PUNCT
abrj-454	235	1	measurement	measurement	NOUN
abrj-454	235	2	model	model	PROPN
abrj-454	235	3	assessment	assessment	NOUN
abrj-454	235	4	followed	follow	VERB
abrj-454	235	5	established	establish	VERB
abrj-454	235	6	protocols	protocol	NOUN
abrj-454	235	7	for	for	ADP
abrj-454	235	8	evaluating	evaluate	VERB
abrj-454	235	9	reflective	reflective	ADJ
abrj-454	235	10	and	and	CCONJ
abrj-454	235	11	formative	formative	ADJ
abrj-454	235	12	constructs	construct	NOUN
abrj-454	235	13	.	.	PUNCT
abrj-454	236	1	for	for	ADP
abrj-454	236	2	reflective	reflective	ADJ
abrj-454	236	3	measurement	measurement	NOUN
abrj-454	236	4	models	model	NOUN
abrj-454	236	5	,	,	PUNCT
abrj-454	236	6	evaluation	evaluation	NOUN
abrj-454	236	7	criteria	criterion	NOUN
abrj-454	236	8	included	include	VERB
abrj-454	236	9	internal	internal	ADJ
abrj-454	236	10	consistency	consistency	NOUN
abrj-454	236	11	reliability	reliability	NOUN
abrj-454	236	12	(	(	PUNCT
abrj-454	236	13	cronbach	cronbach	VERB
abrj-454	236	14	's	's	PART
abrj-454	236	15	alpha	alpha	NOUN
abrj-454	236	16	and	and	CCONJ
abrj-454	236	17	composite	composite	ADJ
abrj-454	236	18	reliability	reliability	NOUN
abrj-454	236	19	)	)	PUNCT
abrj-454	236	20	,	,	PUNCT
abrj-454	236	21	indicator	indicator	NOUN
abrj-454	236	22	reliability	reliability	NOUN
abrj-454	236	23	(	(	PUNCT
abrj-454	236	24	outer	outer	ADJ
abrj-454	236	25	loadings	loading	NOUN
abrj-454	236	26	)	)	PUNCT
abrj-454	236	27	,	,	PUNCT
abrj-454	236	28	convergent	convergent	NOUN
abrj-454	236	29	validity	validity	NOUN
abrj-454	236	30	(	(	PUNCT
abrj-454	236	31	average	average	ADJ
abrj-454	236	32	variance	variance	NOUN
abrj-454	236	33	extracted	extract	VERB
abrj-454	236	34	)	)	PUNCT
abrj-454	236	35	,	,	PUNCT
abrj-454	236	36	and	and	CCONJ
abrj-454	236	37	discriminant	discriminant	ADJ
abrj-454	236	38	validity	validity	NOUN
abrj-454	236	39	(	(	PUNCT
abrj-454	236	40	fornell	fornell	NOUN
abrj-454	236	41	-	-	PUNCT
abrj-454	236	42	larcker	larcker	NOUN
abrj-454	236	43	criterion	criterion	NOUN
abrj-454	236	44	and	and	CCONJ
abrj-454	236	45	heterotrait	heterotrait	NOUN
abrj-454	236	46	-	-	PUNCT
abrj-454	236	47	monotrait	monotrait	NOUN
abrj-454	236	48	ratio	ratio	NOUN
abrj-454	236	49	)	)	PUNCT
abrj-454	236	50	.	.	PUNCT
abrj-454	237	1	for	for	ADP
abrj-454	237	2	formative	formative	ADJ
abrj-454	237	3	measurement	measurement	NOUN
abrj-454	237	4	models	model	NOUN
abrj-454	237	5	,	,	PUNCT
abrj-454	237	6	assessment	assessment	NOUN
abrj-454	237	7	included	include	VERB
abrj-454	237	8	significance	significance	NOUN
abrj-454	237	9	and	and	CCONJ
abrj-454	237	10	relevance	relevance	NOUN
abrj-454	237	11	of	of	ADP
abrj-454	237	12	outer	outer	ADJ
abrj-454	237	13	weights	weight	NOUN
abrj-454	237	14	,	,	PUNCT
abrj-454	237	15	collinearity	collinearity	NOUN
abrj-454	237	16	among	among	ADP
abrj-454	237	17	indicators	indicator	NOUN
abrj-454	237	18	(	(	PUNCT
abrj-454	237	19	variance	variance	NOUN
abrj-454	237	20	inflation	inflation	NOUN
abrj-454	237	21	factor	factor	NOUN
abrj-454	237	22	)	)	PUNCT
abrj-454	237	23	,	,	PUNCT
abrj-454	237	24	and	and	CCONJ
abrj-454	237	25	the	the	DET
abrj-454	237	26	theoretical	theoretical	ADJ
abrj-454	237	27	rationale	rationale	NOUN
abrj-454	237	28	for	for	ADP
abrj-454	237	29	indicator	indicator	NOUN
abrj-454	237	30	inclusion	inclusion	NOUN
abrj-454	237	31	(	(	PUNCT
abrj-454	237	32	hair	hair	NOUN
abrj-454	237	33	et	et	PROPN
abrj-454	237	34	al	al	PROPN
abrj-454	237	35	.	.	PROPN
abrj-454	237	36	,	,	PUNCT
abrj-454	237	37	2017	2017	NUM
abrj-454	237	38	)	)	PUNCT
abrj-454	237	39	.	.	PUNCT
abrj-454	238	1	additionally	additionally	ADV
abrj-454	238	2	,	,	PUNCT
abrj-454	238	3	measurement	measurement	NOUN
abrj-454	238	4	invariance	invariance	NOUN
abrj-454	238	5	was	be	AUX
abrj-454	238	6	assessed	assess	VERB
abrj-454	238	7	across	across	ADP
abrj-454	238	8	key	key	ADJ
abrj-454	238	9	demographic	demographic	ADJ
abrj-454	238	10	segments	segment	NOUN
abrj-454	238	11	using	use	VERB
abrj-454	238	12	the	the	DET
abrj-454	238	13	micom	micom	NOUN
abrj-454	238	14	procedure	procedure	NOUN
abrj-454	238	15	to	to	PART
abrj-454	238	16	ensure	ensure	VERB
abrj-454	238	17	valid	valid	ADJ
abrj-454	238	18	group	group	NOUN
abrj-454	238	19	comparisons	comparison	NOUN
abrj-454	238	20	(	(	PUNCT
abrj-454	238	21	henseler	henseler	X
abrj-454	238	22	et	et	PROPN
abrj-454	238	23	al	al	PROPN
abrj-454	238	24	.	.	PROPN
abrj-454	238	25	,	,	PUNCT
abrj-454	238	26	2016	2016	NUM
abrj-454	238	27	)	)	PUNCT
abrj-454	238	28	.	.	PUNCT
abrj-454	239	1	structural	structural	ADJ
abrj-454	239	2	model	model	NOUN
abrj-454	239	3	evaluation	evaluation	NOUN
abrj-454	239	4	utilised	utilise	VERB
abrj-454	239	5	a	a	DET
abrj-454	239	6	comprehensive	comprehensive	ADJ
abrj-454	239	7	set	set	NOUN
abrj-454	239	8	of	of	ADP
abrj-454	239	9	criteria	criterion	NOUN
abrj-454	239	10	beyond	beyond	ADP
abrj-454	239	11	mere	mere	ADJ
abrj-454	239	12	path	path	NOUN
abrj-454	239	13	significance	significance	NOUN
abrj-454	239	14	testing	testing	NOUN
abrj-454	239	15	.	.	PUNCT
abrj-454	240	1	assessment	assessment	NOUN
abrj-454	240	2	metrics	metric	NOUN
abrj-454	240	3	included	include	VERB
abrj-454	240	4	coefficient	coefficient	NOUN
abrj-454	240	5	of	of	ADP
abrj-454	240	6	determination	determination	NOUN
abrj-454	240	7	(	(	PUNCT
abrj-454	240	8	r²	r²	NOUN
abrj-454	240	9	)	)	PUNCT
abrj-454	240	10	for	for	ADP
abrj-454	240	11	endogenous	endogenous	ADJ
abrj-454	240	12	constructs	construct	NOUN
abrj-454	240	13	,	,	PUNCT
abrj-454	240	14	predictive	predictive	ADJ
abrj-454	240	15	relevance	relevance	NOUN
abrj-454	240	16	(	(	PUNCT
abrj-454	240	17	q²	q²	PROPN
abrj-454	240	18	)	)	PUNCT
abrj-454	240	19	through	through	ADP
abrj-454	240	20	blindfolding	blindfold	VERB
abrj-454	240	21	procedures	procedure	NOUN
abrj-454	240	22	,	,	PUNCT
abrj-454	240	23	effect	effect	NOUN
abrj-454	240	24	sizes	size	NOUN
abrj-454	240	25	(	(	PUNCT
abrj-454	240	26	f²	f²	PROPN
abrj-454	240	27	)	)	PUNCT
abrj-454	240	28	for	for	ADP
abrj-454	240	29	path	path	NOUN
abrj-454	240	30	relationships	relationship	NOUN
abrj-454	240	31	,	,	PUNCT
abrj-454	240	32	and	and	CCONJ
abrj-454	240	33	collinearity	collinearity	NOUN
abrj-454	240	34	assessment	assessment	NOUN
abrj-454	240	35	(	(	PUNCT
abrj-454	240	36	vif	vif	PROPN
abrj-454	240	37	)	)	PUNCT
abrj-454	240	38	for	for	ADP
abrj-454	240	39	predictor	predictor	NOUN
abrj-454	240	40	constructs	construct	NOUN
abrj-454	240	41	.	.	PUNCT
abrj-454	241	1	mediating	mediate	VERB
abrj-454	241	2	effects	effect	NOUN
abrj-454	241	3	were	be	AUX
abrj-454	241	4	examined	examine	VERB
abrj-454	241	5	through	through	ADP
abrj-454	241	6	specific	specific	ADJ
abrj-454	241	7	indirect	indirect	ADJ
abrj-454	241	8	effects	effect	NOUN
abrj-454	241	9	testing	test	VERB
abrj-454	241	10	with	with	ADP
abrj-454	241	11	bootstrapped	bootstrappe	VERB
abrj-454	241	12	confidence	confidence	NOUN
abrj-454	241	13	intervals	interval	NOUN
abrj-454	241	14	,	,	PUNCT
abrj-454	241	15	following	follow	VERB
abrj-454	241	16	the	the	DET
abrj-454	241	17	approach	approach	NOUN
abrj-454	241	18	recommended	recommend	VERB
abrj-454	241	19	by	by	ADP
abrj-454	241	20	zhao	zhao	PROPN
abrj-454	241	21	et	et	PROPN
abrj-454	241	22	al	al	PROPN
abrj-454	241	23	.	.	PROPN
abrj-454	242	1	(	(	PUNCT
abrj-454	242	2	2010	2010	NUM
abrj-454	242	3	)	)	PUNCT
abrj-454	242	4	.	.	PUNCT
abrj-454	243	1	moderating	moderate	VERB
abrj-454	243	2	effects	effect	NOUN
abrj-454	243	3	were	be	AUX
abrj-454	243	4	tested	test	VERB
abrj-454	243	5	asian	asian	ADJ
abrj-454	243	6	business	business	NOUN
abrj-454	243	7	research	research	NOUN
abrj-454	243	8	journal	journal	NOUN
abrj-454	243	9	,	,	PUNCT
abrj-454	243	10	2025	2025	NUM
abrj-454	243	11	,	,	PUNCT
abrj-454	243	12	10(5	10(5	NUM
abrj-454	243	13	):	):	PUNCT
abrj-454	243	14	106	106	NUM
abrj-454	243	15	-	-	SYM
abrj-454	243	16	119	119	NUM
abrj-454	243	17	113	113	NUM
abrj-454	243	18	©	©	PROPN
abrj-454	243	19	2025	2025	NUM
abrj-454	243	20	by	by	ADP
abrj-454	243	21	the	the	DET
abrj-454	243	22	author	author	NOUN
abrj-454	243	23	;	;	PUNCT
abrj-454	243	24	licensee	licensee	NOUN
abrj-454	243	25	eastern	eastern	ADJ
abrj-454	243	26	centre	centre	NOUN
abrj-454	243	27	of	of	ADP
abrj-454	243	28	science	science	NOUN
abrj-454	243	29	and	and	CCONJ
abrj-454	243	30	education	education	NOUN
abrj-454	243	31	,	,	PUNCT
abrj-454	243	32	usa	usa	PROPN
abrj-454	243	33	using	use	VERB
abrj-454	243	34	the	the	DET
abrj-454	243	35	product	product	NOUN
abrj-454	243	36	indicator	indicator	NOUN
abrj-454	243	37	approach	approach	NOUN
abrj-454	243	38	for	for	ADP
abrj-454	243	39	continuous	continuous	ADJ
abrj-454	243	40	moderators	moderator	NOUN
abrj-454	243	41	and	and	CCONJ
abrj-454	243	42	multi	multi	ADJ
abrj-454	243	43	-	-	NOUN
abrj-454	243	44	group	group	NOUN
abrj-454	243	45	analysis	analysis	NOUN
abrj-454	243	46	for	for	ADP
abrj-454	243	47	categorical	categorical	ADJ
abrj-454	243	48	moderators	moderator	NOUN
abrj-454	243	49	(	(	PUNCT
abrj-454	243	50	henseler	henseler	PROPN
abrj-454	243	51	&	&	CCONJ
abrj-454	243	52	fassott	fassott	PROPN
abrj-454	243	53	,	,	PUNCT
abrj-454	243	54	2010	2010	NUM
abrj-454	243	55	)	)	PUNCT
abrj-454	243	56	.	.	PUNCT
abrj-454	244	1	supplementary	supplementary	ADJ
abrj-454	244	2	analyses	analysis	NOUN
abrj-454	244	3	extended	extend	VERB
abrj-454	244	4	beyond	beyond	ADP
abrj-454	244	5	the	the	DET
abrj-454	244	6	core	core	NOUN
abrj-454	244	7	pls	pls	ADJ
abrj-454	244	8	-	-	PUNCT
abrj-454	244	9	sem	sem	NOUN
abrj-454	244	10	approach	approach	NOUN
abrj-454	244	11	to	to	PART
abrj-454	244	12	provide	provide	VERB
abrj-454	244	13	additional	additional	ADJ
abrj-454	244	14	insights	insight	NOUN
abrj-454	244	15	.	.	PUNCT
abrj-454	245	1	first	first	ADV
abrj-454	245	2	,	,	PUNCT
abrj-454	245	3	importance	importance	NOUN
abrj-454	245	4	-	-	PUNCT
abrj-454	245	5	performance	performance	NOUN
abrj-454	245	6	map	map	NOUN
abrj-454	245	7	analysis	analysis	NOUN
abrj-454	245	8	(	(	PUNCT
abrj-454	245	9	ipma	ipma	NOUN
abrj-454	245	10	)	)	PUNCT
abrj-454	245	11	identified	identify	VERB
abrj-454	245	12	the	the	DET
abrj-454	245	13	relative	relative	ADJ
abrj-454	245	14	importance	importance	NOUN
abrj-454	245	15	of	of	ADP
abrj-454	245	16	predictor	predictor	NOUN
abrj-454	245	17	variables	variable	NOUN
abrj-454	245	18	alongside	alongside	ADP
abrj-454	245	19	their	their	PRON
abrj-454	245	20	performance	performance	NOUN
abrj-454	245	21	levels	level	NOUN
abrj-454	245	22	,	,	PUNCT
abrj-454	245	23	generating	generate	VERB
abrj-454	245	24	actionable	actionable	ADJ
abrj-454	245	25	insights	insight	NOUN
abrj-454	245	26	for	for	ADP
abrj-454	245	27	practitioner	practitioner	NOUN
abrj-454	245	28	intervention	intervention	NOUN
abrj-454	245	29	(	(	PUNCT
abrj-454	245	30	ringle	ringle	NOUN
abrj-454	245	31	&	&	CCONJ
abrj-454	245	32	sarstedt	sarstedt	PROPN
abrj-454	245	33	,	,	PUNCT
abrj-454	245	34	2016	2016	NUM
abrj-454	245	35	)	)	PUNCT
abrj-454	245	36	.	.	PUNCT
abrj-454	246	1	second	second	ADJ
abrj-454	246	2	,	,	PUNCT
abrj-454	246	3	multi	multi	ADJ
abrj-454	246	4	-	-	ADJ
abrj-454	246	5	group	group	ADJ
abrj-454	246	6	analysis	analysis	NOUN
abrj-454	246	7	(	(	PUNCT
abrj-454	246	8	mga	mga	PROPN
abrj-454	246	9	)	)	PUNCT
abrj-454	246	10	examined	examine	VERB
abrj-454	246	11	heterogeneous	heterogeneous	ADJ
abrj-454	246	12	effects	effect	NOUN
abrj-454	246	13	across	across	ADP
abrj-454	246	14	demographic	demographic	ADJ
abrj-454	246	15	segments	segment	NOUN
abrj-454	246	16	including	include	VERB
abrj-454	246	17	gender	gender	NOUN
abrj-454	246	18	,	,	PUNCT
abrj-454	246	19	age	age	NOUN
abrj-454	246	20	cohorts	cohort	NOUN
abrj-454	246	21	,	,	PUNCT
abrj-454	246	22	income	income	NOUN
abrj-454	246	23	levels	level	NOUN
abrj-454	246	24	,	,	PUNCT
abrj-454	246	25	and	and	CCONJ
abrj-454	246	26	urban	urban	ADJ
abrj-454	246	27	/	/	SYM
abrj-454	246	28	rural	rural	ADJ
abrj-454	246	29	residence	residence	NOUN
abrj-454	246	30	(	(	PUNCT
abrj-454	246	31	sarstedt	sarstedt	NOUN
abrj-454	246	32	et	et	PROPN
abrj-454	246	33	al	al	PROPN
abrj-454	246	34	.	.	PROPN
abrj-454	246	35	,	,	PUNCT
abrj-454	246	36	2011	2011	NUM
abrj-454	246	37	)	)	PUNCT
abrj-454	246	38	.	.	PUNCT
abrj-454	247	1	third	third	ADJ
abrj-454	247	2	,	,	PUNCT
abrj-454	247	3	fsqca	fsqca	NOUN
abrj-454	247	4	identified	identify	VERB
abrj-454	247	5	configurational	configurational	ADJ
abrj-454	247	6	solutions	solution	NOUN
abrj-454	247	7	leading	lead	VERB
abrj-454	247	8	to	to	ADP
abrj-454	247	9	high	high	ADJ
abrj-454	247	10	platform	platform	NOUN
abrj-454	247	11	adoption	adoption	NOUN
abrj-454	247	12	,	,	PUNCT
abrj-454	247	13	complementing	complement	VERB
abrj-454	247	14	the	the	DET
abrj-454	247	15	symmetrical	symmetrical	ADJ
abrj-454	247	16	,	,	PUNCT
abrj-454	247	17	net	net	ADJ
abrj-454	247	18	-	-	PUNCT
abrj-454	247	19	effects	effect	NOUN
abrj-454	247	20	focus	focus	NOUN
abrj-454	247	21	of	of	ADP
abrj-454	247	22	pls	pls	NOUN
abrj-454	247	23	-	-	PUNCT
abrj-454	247	24	sem	sem	NOUN
abrj-454	247	25	with	with	ADP
abrj-454	247	26	an	an	DET
abrj-454	247	27	asymmetrical	asymmetrical	ADJ
abrj-454	247	28	,	,	PUNCT
abrj-454	247	29	configurational	configurational	ADJ
abrj-454	247	30	perspective	perspective	NOUN
abrj-454	247	31	(	(	PUNCT
abrj-454	247	32	ragin	ragin	ADJ
abrj-454	247	33	,	,	PUNCT
abrj-454	247	34	2008	2008	NUM
abrj-454	247	35	)	)	PUNCT
abrj-454	247	36	.	.	PUNCT
abrj-454	248	1	the	the	DET
abrj-454	248	2	fsqca	fsqca	ADJ
abrj-454	248	3	analytical	analytical	ADJ
abrj-454	248	4	procedure	procedure	NOUN
abrj-454	248	5	followed	follow	VERB
abrj-454	248	6	established	establish	VERB
abrj-454	248	7	protocols	protocol	NOUN
abrj-454	248	8	comprising	comprise	VERB
abrj-454	248	9	calibration	calibration	NOUN
abrj-454	248	10	,	,	PUNCT
abrj-454	248	11	necessity	necessity	NOUN
abrj-454	248	12	analysis	analysis	NOUN
abrj-454	248	13	,	,	PUNCT
abrj-454	248	14	and	and	CCONJ
abrj-454	248	15	sufficiency	sufficiency	NOUN
abrj-454	248	16	analysis	analysis	NOUN
abrj-454	248	17	(	(	PUNCT
abrj-454	248	18	ragin	ragin	ADJ
abrj-454	248	19	,	,	PUNCT
abrj-454	248	20	2008	2008	NUM
abrj-454	248	21	)	)	PUNCT
abrj-454	248	22	.	.	PUNCT
abrj-454	249	1	calibration	calibration	NOUN
abrj-454	249	2	transformed	transform	VERB
abrj-454	249	3	variable	variable	ADJ
abrj-454	249	4	scores	score	NOUN
abrj-454	249	5	into	into	ADP
abrj-454	249	6	fuzzy	fuzzy	ADJ
abrj-454	249	7	-	-	PUNCT
abrj-454	249	8	set	set	VERB
abrj-454	249	9	membership	membership	NOUN
abrj-454	249	10	scores	score	NOUN
abrj-454	249	11	ranging	range	VERB
abrj-454	249	12	from	from	ADP
abrj-454	249	13	0	0	NUM
abrj-454	249	14	to	to	ADP
abrj-454	249	15	1	1	NUM
abrj-454	249	16	,	,	PUNCT
abrj-454	249	17	utilising	utilise	VERB
abrj-454	249	18	theoretical	theoretical	ADJ
abrj-454	249	19	and	and	CCONJ
abrj-454	249	20	empirical	empirical	ADJ
abrj-454	249	21	anchors	anchor	NOUN
abrj-454	249	22	appropriate	appropriate	ADJ
abrj-454	249	23	to	to	ADP
abrj-454	249	24	the	the	DET
abrj-454	249	25	vietnamese	vietnamese	ADJ
abrj-454	249	26	context	context	NOUN
abrj-454	249	27	.	.	PUNCT
abrj-454	250	1	necessity	necessity	NOUN
abrj-454	250	2	analysis	analysis	NOUN
abrj-454	250	3	identified	identify	VERB
abrj-454	250	4	conditions	condition	NOUN
abrj-454	250	5	that	that	PRON
abrj-454	250	6	must	must	AUX
abrj-454	250	7	be	be	AUX
abrj-454	250	8	present	present	ADJ
abrj-454	250	9	for	for	SCONJ
abrj-454	250	10	the	the	DET
abrj-454	250	11	outcome	outcome	NOUN
abrj-454	250	12	to	to	PART
abrj-454	250	13	occur	occur	VERB
abrj-454	250	14	,	,	PUNCT
abrj-454	250	15	utilising	utilise	VERB
abrj-454	250	16	consistency	consistency	NOUN
abrj-454	250	17	thresholds	threshold	NOUN
abrj-454	250	18	of	of	ADP
abrj-454	250	19	0.9	0.9	NUM
abrj-454	250	20	(	(	PUNCT
abrj-454	250	21	ragin	ragin	ADJ
abrj-454	250	22	,	,	PUNCT
abrj-454	250	23	2008	2008	NUM
abrj-454	250	24	)	)	PUNCT
abrj-454	250	25	.	.	PUNCT
abrj-454	251	1	sufficiency	sufficiency	NOUN
abrj-454	251	2	analysis	analysis	NOUN
abrj-454	251	3	identified	identify	VERB
abrj-454	251	4	configurations	configuration	NOUN
abrj-454	251	5	of	of	ADP
abrj-454	251	6	conditions	condition	NOUN
abrj-454	251	7	sufficient	sufficient	ADJ
abrj-454	251	8	to	to	PART
abrj-454	251	9	produce	produce	VERB
abrj-454	251	10	the	the	DET
abrj-454	251	11	outcome	outcome	NOUN
abrj-454	251	12	,	,	PUNCT
abrj-454	251	13	utilising	utilise	VERB
abrj-454	251	14	a	a	DET
abrj-454	251	15	truth	truth	NOUN
abrj-454	251	16	table	table	NOUN
abrj-454	251	17	algorithm	algorithm	NOUN
abrj-454	251	18	with	with	ADP
abrj-454	251	19	frequency	frequency	NOUN
abrj-454	251	20	threshold	threshold	NOUN
abrj-454	251	21	of	of	ADP
abrj-454	251	22	2	2	NUM
abrj-454	251	23	cases	case	NOUN
abrj-454	251	24	and	and	CCONJ
abrj-454	251	25	consistency	consistency	NOUN
abrj-454	251	26	threshold	threshold	NOUN
abrj-454	251	27	of	of	ADP
abrj-454	251	28	0.8	0.8	NUM
abrj-454	251	29	(	(	PUNCT
abrj-454	251	30	fiss	fiss	PROPN
abrj-454	251	31	,	,	PUNCT
abrj-454	251	32	2011	2011	NUM
abrj-454	251	33	)	)	PUNCT
abrj-454	251	34	.	.	PUNCT
abrj-454	252	1	common	common	ADJ
abrj-454	252	2	method	method	NOUN
abrj-454	252	3	bias	bias	NOUN
abrj-454	252	4	was	be	AUX
abrj-454	252	5	assessed	assess	VERB
abrj-454	252	6	through	through	ADP
abrj-454	252	7	both	both	CCONJ
abrj-454	252	8	procedural	procedural	ADJ
abrj-454	252	9	and	and	CCONJ
abrj-454	252	10	statistical	statistical	ADJ
abrj-454	252	11	approaches	approach	NOUN
abrj-454	252	12	.	.	PUNCT
abrj-454	253	1	procedurally	procedurally	ADV
abrj-454	253	2	,	,	PUNCT
abrj-454	253	3	the	the	DET
abrj-454	253	4	research	research	NOUN
abrj-454	253	5	design	design	NOUN
abrj-454	253	6	incorporated	incorporate	VERB
abrj-454	253	7	multiple	multiple	ADJ
abrj-454	253	8	sources	source	NOUN
abrj-454	253	9	(	(	PUNCT
abrj-454	253	10	self	self	NOUN
abrj-454	253	11	-	-	PUNCT
abrj-454	253	12	report	report	NOUN
abrj-454	253	13	and	and	CCONJ
abrj-454	253	14	platform	platform	NOUN
abrj-454	253	15	data	datum	NOUN
abrj-454	253	16	)	)	PUNCT
abrj-454	253	17	,	,	PUNCT
abrj-454	253	18	psychological	psychological	ADJ
abrj-454	253	19	separation	separation	NOUN
abrj-454	253	20	of	of	ADP
abrj-454	253	21	predictor	predictor	NOUN
abrj-454	253	22	and	and	CCONJ
abrj-454	253	23	criterion	criterion	NOUN
abrj-454	253	24	variables	variable	NOUN
abrj-454	253	25	,	,	PUNCT
abrj-454	253	26	and	and	CCONJ
abrj-454	253	27	varied	varied	ADJ
abrj-454	253	28	response	response	NOUN
abrj-454	253	29	formats	format	NOUN
abrj-454	253	30	(	(	PUNCT
abrj-454	253	31	podsakoff	podsakoff	NOUN
abrj-454	253	32	et	et	PROPN
abrj-454	253	33	al	al	PROPN
abrj-454	253	34	.	.	PROPN
abrj-454	253	35	,	,	PUNCT
abrj-454	253	36	2003	2003	NUM
abrj-454	253	37	)	)	PUNCT
abrj-454	253	38	.	.	PUNCT
abrj-454	254	1	statistically	statistically	ADV
abrj-454	254	2	,	,	PUNCT
abrj-454	254	3	harman	harman	PROPN
abrj-454	254	4	's	's	PART
abrj-454	254	5	single	single	ADJ
abrj-454	254	6	-	-	PUNCT
abrj-454	254	7	factor	factor	NOUN
abrj-454	254	8	test	test	NOUN
abrj-454	254	9	and	and	CCONJ
abrj-454	254	10	the	the	DET
abrj-454	254	11	common	common	ADJ
abrj-454	254	12	latent	latent	NOUN
abrj-454	254	13	factor	factor	NOUN
abrj-454	254	14	approach	approach	NOUN
abrj-454	254	15	assessed	assess	VERB
abrj-454	254	16	potential	potential	ADJ
abrj-454	254	17	method	method	NOUN
abrj-454	254	18	bias	bias	NOUN
abrj-454	254	19	,	,	PUNCT
abrj-454	254	20	with	with	ADP
abrj-454	254	21	results	result	NOUN
abrj-454	254	22	indicating	indicate	VERB
abrj-454	254	23	its	its	PRON
abrj-454	254	24	absence	absence	NOUN
abrj-454	254	25	as	as	ADP
abrj-454	254	26	a	a	DET
abrj-454	254	27	significant	significant	ADJ
abrj-454	254	28	concern	concern	NOUN
abrj-454	254	29	in	in	ADP
abrj-454	254	30	this	this	DET
abrj-454	254	31	dataset	dataset	NOUN
abrj-454	254	32	(	(	PUNCT
abrj-454	254	33	fuller	full	ADJ
abrj-454	254	34	et	et	PROPN
abrj-454	254	35	al	al	PROPN
abrj-454	254	36	.	.	PROPN
abrj-454	254	37	,	,	PUNCT
abrj-454	254	38	2016	2016	NUM
abrj-454	254	39	)	)	PUNCT
abrj-454	254	40	.	.	PUNCT
abrj-454	255	1	4	4	X
abrj-454	255	2	.	.	X
abrj-454	255	3	research	research	NOUN
abrj-454	255	4	findings	finding	NOUN
abrj-454	255	5	4.1	4.1	NUM
abrj-454	255	6	.	.	PUNCT
abrj-454	256	1	measurement	measurement	NOUN
abrj-454	256	2	model	model	PROPN
abrj-454	256	3	assessment	assessment	NOUN
abrj-454	256	4	the	the	DET
abrj-454	256	5	measurement	measurement	NOUN
abrj-454	256	6	model	model	NOUN
abrj-454	256	7	evaluation	evaluation	NOUN
abrj-454	256	8	began	begin	VERB
abrj-454	256	9	with	with	ADP
abrj-454	256	10	an	an	DET
abrj-454	256	11	assessment	assessment	NOUN
abrj-454	256	12	of	of	ADP
abrj-454	256	13	construct	construct	VERB
abrj-454	256	14	reliability	reliability	NOUN
abrj-454	256	15	and	and	CCONJ
abrj-454	256	16	validity	validity	NOUN
abrj-454	256	17	for	for	ADP
abrj-454	256	18	all	all	DET
abrj-454	256	19	reflective	reflective	ADJ
abrj-454	256	20	measures	measure	NOUN
abrj-454	256	21	.	.	PUNCT
abrj-454	257	1	as	as	SCONJ
abrj-454	257	2	shown	show	VERB
abrj-454	257	3	in	in	ADP
abrj-454	257	4	table	table	NOUN
abrj-454	257	5	1	1	NUM
abrj-454	257	6	,	,	PUNCT
abrj-454	257	7	all	all	DET
abrj-454	257	8	first	first	ADJ
abrj-454	257	9	-	-	PUNCT
abrj-454	257	10	order	order	NOUN
abrj-454	257	11	reflective	reflective	ADJ
abrj-454	257	12	constructs	construct	NOUN
abrj-454	257	13	demonstrated	demonstrate	VERB
abrj-454	257	14	satisfactory	satisfactory	ADJ
abrj-454	257	15	internal	internal	ADJ
abrj-454	257	16	consistency	consistency	NOUN
abrj-454	257	17	reliability	reliability	NOUN
abrj-454	257	18	,	,	PUNCT
abrj-454	257	19	with	with	ADP
abrj-454	257	20	both	both	DET
abrj-454	257	21	cronbach	cronbach	NOUN
abrj-454	257	22	's	's	PART
abrj-454	257	23	alpha	alpha	NOUN
abrj-454	257	24	and	and	CCONJ
abrj-454	257	25	composite	composite	ADJ
abrj-454	257	26	reliability	reliability	NOUN
abrj-454	257	27	exceeding	exceed	VERB
abrj-454	257	28	the	the	DET
abrj-454	257	29	recommended	recommend	VERB
abrj-454	257	30	threshold	threshold	NOUN
abrj-454	257	31	of	of	ADP
abrj-454	257	32	0.70	0.70	NUM
abrj-454	257	33	(	(	PUNCT
abrj-454	257	34	hair	hair	NOUN
abrj-454	257	35	et	et	PROPN
abrj-454	257	36	al	al	PROPN
abrj-454	257	37	.	.	PROPN
abrj-454	257	38	,	,	PUNCT
abrj-454	257	39	2017	2017	NUM
abrj-454	257	40	)	)	PUNCT
abrj-454	257	41	.	.	PUNCT
abrj-454	258	1	composite	composite	ADJ
abrj-454	258	2	reliability	reliability	NOUN
abrj-454	258	3	values	value	NOUN
abrj-454	258	4	ranged	range	VERB
abrj-454	258	5	from	from	ADP
abrj-454	258	6	0.831	0.831	NUM
abrj-454	258	7	to	to	ADP
abrj-454	258	8	0.942	0.942	NUM
abrj-454	258	9	,	,	PUNCT
abrj-454	258	10	indicating	indicate	VERB
abrj-454	258	11	robust	robust	ADJ
abrj-454	258	12	internal	internal	ADJ
abrj-454	258	13	consistency	consistency	NOUN
abrj-454	258	14	without	without	ADP
abrj-454	258	15	redundancy	redundancy	NOUN
abrj-454	258	16	concerns	concern	NOUN
abrj-454	258	17	.	.	PUNCT
abrj-454	259	1	indicator	indicator	NOUN
abrj-454	259	2	reliability	reliability	NOUN
abrj-454	259	3	assessment	assessment	NOUN
abrj-454	259	4	revealed	reveal	VERB
abrj-454	259	5	that	that	SCONJ
abrj-454	259	6	all	all	DET
abrj-454	259	7	items	item	NOUN
abrj-454	259	8	loaded	load	VERB
abrj-454	259	9	significantly	significantly	ADV
abrj-454	259	10	on	on	ADP
abrj-454	259	11	their	their	PRON
abrj-454	259	12	respective	respective	ADJ
abrj-454	259	13	constructs	construct	NOUN
abrj-454	259	14	(	(	PUNCT
abrj-454	259	15	p	p	X
abrj-454	259	16	<	<	X
abrj-454	259	17	0.001	0.001	NUM
abrj-454	259	18	)	)	PUNCT
abrj-454	259	19	,	,	PUNCT
abrj-454	259	20	with	with	ADP
abrj-454	259	21	standardised	standardised	ADJ
abrj-454	259	22	outer	outer	ADJ
abrj-454	259	23	loadings	loading	NOUN
abrj-454	259	24	ranging	range	VERB
abrj-454	259	25	from	from	ADP
abrj-454	259	26	0.712	0.712	NUM
abrj-454	259	27	to	to	ADP
abrj-454	259	28	0.927	0.927	NUM
abrj-454	259	29	,	,	PUNCT
abrj-454	259	30	thus	thus	ADV
abrj-454	259	31	exceeding	exceed	VERB
abrj-454	259	32	the	the	DET
abrj-454	259	33	recommended	recommend	VERB
abrj-454	259	34	threshold	threshold	NOUN
abrj-454	259	35	of	of	ADP
abrj-454	259	36	0.70	0.70	NUM
abrj-454	259	37	(	(	PUNCT
abrj-454	259	38	chin	chin	NOUN
abrj-454	259	39	,	,	PUNCT
abrj-454	259	40	1998	1998	NUM
abrj-454	259	41	)	)	PUNCT
abrj-454	259	42	.	.	PUNCT
abrj-454	260	1	table	table	NOUN
abrj-454	260	2	1	1	NUM
abrj-454	260	3	.	.	PUNCT
abrj-454	261	1	reliability	reliability	NOUN
abrj-454	261	2	and	and	CCONJ
abrj-454	261	3	convergent	convergent	NOUN
abrj-454	261	4	validity	validity	NOUN
abrj-454	261	5	assessment	assessment	NOUN
abrj-454	261	6	.	.	PUNCT
abrj-454	262	1	construct	construct	VERB
abrj-454	262	2	items	item	NOUN
abrj-454	262	3	cronbach	cronbach	VERB
abrj-454	262	4	's	's	PART
abrj-454	262	5	alpha	alpha	ADJ
abrj-454	262	6	composite	composite	ADJ
abrj-454	262	7	reliability	reliability	NOUN
abrj-454	262	8	ave	ave	NOUN
abrj-454	262	9	financial	financial	ADJ
abrj-454	262	10	knowledge	knowledge	NOUN
abrj-454	262	11	(	(	PUNCT
abrj-454	262	12	fk	fk	INTJ
abrj-454	262	13	)	)	PUNCT
abrj-454	263	1	8	8	NUM
abrj-454	263	2	0.892	0.892	NUM
abrj-454	263	3	0.916	0.916	NUM
abrj-454	263	4	0.581	0.581	NUM
abrj-454	263	5	financial	financial	ADJ
abrj-454	263	6	attitudes	attitude	NOUN
abrj-454	263	7	(	(	PUNCT
abrj-454	263	8	fa	fa	NOUN
abrj-454	263	9	)	)	PUNCT
abrj-454	263	10	6	6	NUM
abrj-454	263	11	0.837	0.837	NUM
abrj-454	263	12	0.881	0.881	NUM
abrj-454	263	13	0.552	0.552	NUM
abrj-454	263	14	financial	financial	ADJ
abrj-454	263	15	behaviour	behaviour	NOUN
abrj-454	263	16	(	(	PUNCT
abrj-454	263	17	fb	fb	INTJ
abrj-454	263	18	)	)	PUNCT
abrj-454	263	19	7	7	NUM
abrj-454	263	20	0.903	0.903	NUM
abrj-454	263	21	0.923	0.923	NUM
abrj-454	263	22	0.631	0.631	NUM
abrj-454	263	23	perceived	perceive	VERB
abrj-454	263	24	risk	risk	NOUN
abrj-454	263	25	(	(	PUNCT
abrj-454	263	26	pr	pr	NOUN
abrj-454	263	27	)	)	PUNCT
abrj-454	263	28	6	6	NUM
abrj-454	263	29	0.865	0.865	NUM
abrj-454	263	30	0.902	0.902	NUM
abrj-454	263	31	0.604	0.604	NUM
abrj-454	263	32	trust	trust	NOUN
abrj-454	263	33	in	in	ADP
abrj-454	263	34	platform	platform	NOUN
abrj-454	263	35	(	(	PUNCT
abrj-454	263	36	tp	tp	NOUN
abrj-454	263	37	)	)	PUNCT
abrj-454	263	38	8	8	NUM
abrj-454	263	39	0.929	0.929	NUM
abrj-454	263	40	0.942	0.942	NUM
abrj-454	263	41	0.672	0.672	NUM
abrj-454	263	42	financial	financial	ADJ
abrj-454	263	43	self	self	NOUN
abrj-454	263	44	-	-	PUNCT
abrj-454	263	45	efficacy	efficacy	NOUN
abrj-454	263	46	(	(	PUNCT
abrj-454	263	47	se	se	X
abrj-454	263	48	)	)	PUNCT
abrj-454	263	49	5	5	NUM
abrj-454	263	50	0.801	0.801	NUM
abrj-454	263	51	0.862	0.862	NUM
abrj-454	263	52	0.557	0.557	NUM
abrj-454	263	53	initial	initial	ADJ
abrj-454	263	54	adoption	adoption	NOUN
abrj-454	263	55	(	(	PUNCT
abrj-454	263	56	ia	ia	NOUN
abrj-454	263	57	)	)	PUNCT
abrj-454	263	58	4	4	NUM
abrj-454	263	59	0.782	0.782	NUM
abrj-454	263	60	0.859	0.859	NUM
abrj-454	263	61	0.604	0.604	NUM
abrj-454	263	62	usage	usage	NOUN
abrj-454	263	63	intensity	intensity	NOUN
abrj-454	263	64	(	(	PUNCT
abrj-454	263	65	ui	ui	NOUN
abrj-454	263	66	)	)	PUNCT
abrj-454	263	67	5	5	NUM
abrj-454	263	68	0.847	0.847	NUM
abrj-454	263	69	0.891	0.891	NUM
abrj-454	263	70	0.622	0.622	NUM
abrj-454	263	71	functional	functional	ADJ
abrj-454	263	72	utilisation	utilisation	NOUN
abrj-454	263	73	(	(	PUNCT
abrj-454	263	74	fu	fu	NOUN
abrj-454	263	75	)	)	PUNCT
abrj-454	263	76	4	4	NUM
abrj-454	263	77	0.793	0.793	NUM
abrj-454	263	78	0.831	0.831	NUM
abrj-454	263	79	0.553	0.553	NUM
abrj-454	263	80	convergent	convergent	ADJ
abrj-454	263	81	validity	validity	NOUN
abrj-454	263	82	assessment	assessment	NOUN
abrj-454	263	83	indicated	indicate	VERB
abrj-454	263	84	satisfactory	satisfactory	ADJ
abrj-454	263	85	average	average	ADJ
abrj-454	263	86	variance	variance	NOUN
abrj-454	263	87	extracted	extract	VERB
abrj-454	263	88	(	(	PUNCT
abrj-454	263	89	ave	ave	NOUN
abrj-454	263	90	)	)	PUNCT
abrj-454	263	91	for	for	ADP
abrj-454	263	92	all	all	DET
abrj-454	263	93	constructs	construct	NOUN
abrj-454	263	94	,	,	PUNCT
abrj-454	263	95	with	with	ADP
abrj-454	263	96	values	value	NOUN
abrj-454	263	97	ranging	range	VERB
abrj-454	263	98	from	from	ADP
abrj-454	263	99	0.552	0.552	NUM
abrj-454	263	100	to	to	ADP
abrj-454	263	101	0.672	0.672	NUM
abrj-454	263	102	,	,	PUNCT
abrj-454	263	103	thus	thus	ADV
abrj-454	263	104	exceeding	exceed	VERB
abrj-454	263	105	the	the	DET
abrj-454	263	106	recommended	recommend	VERB
abrj-454	263	107	threshold	threshold	NOUN
abrj-454	263	108	of	of	ADP
abrj-454	263	109	0.50	0.50	NUM
abrj-454	263	110	(	(	PUNCT
abrj-454	263	111	fornell	fornell	PROPN
abrj-454	263	112	&	&	CCONJ
abrj-454	263	113	larcker	larcker	PROPN
abrj-454	263	114	,	,	PUNCT
abrj-454	263	115	1981	1981	NUM
abrj-454	263	116	)	)	PUNCT
abrj-454	263	117	.	.	PUNCT
abrj-454	264	1	this	this	PRON
abrj-454	264	2	indicates	indicate	VERB
abrj-454	264	3	that	that	SCONJ
abrj-454	264	4	each	each	DET
abrj-454	264	5	construct	construct	NOUN
abrj-454	264	6	explains	explain	VERB
abrj-454	264	7	more	more	ADJ
abrj-454	264	8	than	than	ADP
abrj-454	264	9	50	50	NUM
abrj-454	264	10	%	%	NOUN
abrj-454	264	11	of	of	ADP
abrj-454	264	12	the	the	DET
abrj-454	264	13	variance	variance	NOUN
abrj-454	264	14	in	in	ADP
abrj-454	264	15	its	its	PRON
abrj-454	264	16	respective	respective	ADJ
abrj-454	264	17	indicators	indicator	NOUN
abrj-454	264	18	.	.	PUNCT
abrj-454	265	1	discriminant	discriminant	ADJ
abrj-454	265	2	validity	validity	NOUN
abrj-454	265	3	was	be	AUX
abrj-454	265	4	assessed	assess	VERB
abrj-454	265	5	using	use	VERB
abrj-454	265	6	both	both	CCONJ
abrj-454	265	7	the	the	DET
abrj-454	265	8	fornell	fornell	ADJ
abrj-454	265	9	-	-	PUNCT
abrj-454	265	10	larcker	larcker	NOUN
abrj-454	265	11	criterion	criterion	NOUN
abrj-454	265	12	and	and	CCONJ
abrj-454	265	13	the	the	DET
abrj-454	265	14	heterotrait	heterotrait	NOUN
abrj-454	265	15	-	-	PUNCT
abrj-454	265	16	monotrait	monotrait	NOUN
abrj-454	265	17	(	(	PUNCT
abrj-454	265	18	htmt	htmt	PROPN
abrj-454	265	19	)	)	PUNCT
abrj-454	265	20	ratio	ratio	NOUN
abrj-454	265	21	.	.	PUNCT
abrj-454	266	1	the	the	DET
abrj-454	266	2	fornell	fornell	NOUN
abrj-454	266	3	-	-	PUNCT
abrj-454	266	4	larcker	larcker	NOUN
abrj-454	266	5	assessment	assessment	NOUN
abrj-454	266	6	confirmed	confirm	VERB
abrj-454	266	7	that	that	SCONJ
abrj-454	266	8	the	the	DET
abrj-454	266	9	square	square	ADJ
abrj-454	266	10	root	root	NOUN
abrj-454	266	11	of	of	ADP
abrj-454	266	12	each	each	DET
abrj-454	266	13	construct	construct	NOUN
abrj-454	266	14	's	's	PART
abrj-454	266	15	ave	ave	NOUN
abrj-454	266	16	exceeded	exceed	VERB
abrj-454	266	17	its	its	PRON
abrj-454	266	18	correlation	correlation	NOUN
abrj-454	266	19	with	with	ADP
abrj-454	266	20	any	any	DET
abrj-454	266	21	other	other	ADJ
abrj-454	266	22	construct	construct	NOUN
abrj-454	266	23	,	,	PUNCT
abrj-454	266	24	indicating	indicate	VERB
abrj-454	266	25	satisfactory	satisfactory	ADJ
abrj-454	266	26	discriminant	discriminant	ADJ
abrj-454	266	27	validity	validity	NOUN
abrj-454	266	28	(	(	PUNCT
abrj-454	266	29	see	see	VERB
abrj-454	266	30	table	table	NOUN
abrj-454	266	31	2	2	NUM
abrj-454	266	32	)	)	PUNCT
abrj-454	266	33	.	.	PUNCT
abrj-454	267	1	table	table	NOUN
abrj-454	267	2	2	2	NUM
abrj-454	267	3	.	.	PUNCT
abrj-454	267	4	fornell	fornell	NOUN
abrj-454	267	5	-	-	PUNCT
abrj-454	267	6	larcker	larcker	NOUN
abrj-454	267	7	criterion	criterion	NOUN
abrj-454	267	8	for	for	ADP
abrj-454	267	9	discriminant	discriminant	ADJ
abrj-454	267	10	validity	validity	NOUN
abrj-454	267	11	.	.	PUNCT
abrj-454	268	1	construct	construct	VERB
abrj-454	268	2	fk	fk	INTJ
abrj-454	268	3	fa	fa	INTJ
abrj-454	269	1	fb	fb	INTJ
abrj-454	269	2	pr	pr	INTJ
abrj-454	269	3	tp	tp	PART
abrj-454	269	4	se	se	PROPN
abrj-454	269	5	ia	ia	PROPN
abrj-454	269	6	ui	ui	PROPN
abrj-454	269	7	fu	fu	PROPN
abrj-454	269	8	fk	fk	VERB
abrj-454	269	9	0.762	0.762	NUM
abrj-454	269	10	fa	fa	NOUN
abrj-454	269	11	0.427	0.427	NUM
abrj-454	269	12	0.743	0.743	NUM
abrj-454	269	13	fb	fb	NOUN
abrj-454	269	14	0.486	0.486	NUM
abrj-454	269	15	0.513	0.513	NUM
abrj-454	269	16	0.794	0.794	NUM
abrj-454	269	17	pr	pr	NOUN
abrj-454	269	18	-0.398	-0.398	PUNCT
abrj-454	269	19	-0.276	-0.276	NOUN
abrj-454	269	20	-0.312	-0.312	PUNCT
abrj-454	269	21	0.777	0.777	NUM
abrj-454	269	22	tp	tp	ADP
abrj-454	269	23	0.412	0.412	NUM
abrj-454	269	24	0.345	0.345	NUM
abrj-454	269	25	0.392	0.392	NUM
abrj-454	269	26	-0.538	-0.538	PUNCT
abrj-454	269	27	0.820	0.820	NUM
abrj-454	269	28	se	se	NOUN
abrj-454	269	29	0.527	0.527	NUM
abrj-454	269	30	0.381	0.381	NUM
abrj-454	269	31	0.436	0.436	NUM
abrj-454	269	32	-0.482	-0.482	PUNCT
abrj-454	269	33	0.473	0.473	NUM
abrj-454	269	34	0.746	0.746	NUM
abrj-454	269	35	ia	ia	PROPN
abrj-454	269	36	0.386	0.386	NUM
abrj-454	269	37	0.324	0.324	NUM
abrj-454	269	38	0.358	0.358	NUM
abrj-454	269	39	-0.429	-0.429	NUM
abrj-454	269	40	0.493	0.493	NUM
abrj-454	269	41	0.401	0.401	NUM
abrj-454	269	42	0.777	0.777	NUM
abrj-454	269	43	ui	ui	PROPN
abrj-454	269	44	0.452	0.452	NUM
abrj-454	269	45	0.371	0.371	NUM
abrj-454	269	46	0.437	0.437	NUM
abrj-454	269	47	-0.392	-0.392	NUM
abrj-454	269	48	0.461	0.461	NUM
abrj-454	269	49	0.427	0.427	NUM
abrj-454	269	50	0.562	0.562	NUM
abrj-454	269	51	0.789	0.789	NUM
abrj-454	269	52	fu	fu	NOUN
abrj-454	269	53	0.471	0.471	NUM
abrj-454	269	54	0.348	0.348	NUM
abrj-454	269	55	0.422	0.422	NUM
abrj-454	269	56	-0.362	-0.362	ADP
abrj-454	269	57	0.394	0.394	NUM
abrj-454	269	58	0.485	0.485	NUM
abrj-454	269	59	0.486	0.486	NUM
abrj-454	269	60	0.541	0.541	NUM
abrj-454	269	61	0.744	0.744	NUM
abrj-454	269	62	note	note	NOUN
abrj-454	269	63	:	:	PUNCT
abrj-454	269	64	bold	bold	ADJ
abrj-454	269	65	diagonal	diagonal	ADJ
abrj-454	269	66	elements	element	NOUN
abrj-454	269	67	represent	represent	VERB
abrj-454	269	68	the	the	DET
abrj-454	269	69	square	square	ADJ
abrj-454	269	70	root	root	NOUN
abrj-454	269	71	of	of	ADP
abrj-454	269	72	ave	ave	NOUN
abrj-454	269	73	for	for	ADP
abrj-454	269	74	each	each	DET
abrj-454	269	75	construct	construct	NOUN
abrj-454	269	76	.	.	PUNCT
abrj-454	270	1	off	off	ADP
abrj-454	270	2	-	-	PUNCT
abrj-454	270	3	diagonal	diagonal	ADJ
abrj-454	270	4	elements	element	NOUN
abrj-454	270	5	represent	represent	VERB
abrj-454	270	6	inter	inter	ADJ
abrj-454	270	7	-	-	ADJ
abrj-454	270	8	construct	construct	ADJ
abrj-454	270	9	correlations	correlation	NOUN
abrj-454	270	10	.	.	PUNCT
abrj-454	271	1	the	the	DET
abrj-454	271	2	htmt	htmt	PROPN
abrj-454	271	3	assessment	assessment	NOUN
abrj-454	271	4	provided	provide	VERB
abrj-454	271	5	further	further	ADJ
abrj-454	271	6	confirmation	confirmation	NOUN
abrj-454	271	7	of	of	ADP
abrj-454	271	8	discriminant	discriminant	ADJ
abrj-454	271	9	validity	validity	NOUN
abrj-454	271	10	,	,	PUNCT
abrj-454	271	11	with	with	ADP
abrj-454	271	12	all	all	DET
abrj-454	271	13	htmt	htmt	NOUN
abrj-454	271	14	ratios	ratio	NOUN
abrj-454	271	15	below	below	ADP
abrj-454	271	16	the	the	DET
abrj-454	271	17	conservative	conservative	ADJ
abrj-454	271	18	threshold	threshold	NOUN
abrj-454	271	19	of	of	ADP
abrj-454	271	20	0.85	0.85	NUM
abrj-454	271	21	recommended	recommend	VERB
abrj-454	271	22	by	by	ADP
abrj-454	271	23	henseler	henseler	PROPN
abrj-454	271	24	et	et	PROPN
abrj-454	271	25	al	al	PROPN
abrj-454	271	26	.	.	PROPN
abrj-454	271	27	(	(	PUNCT
abrj-454	271	28	2015	2015	NUM
abrj-454	271	29	)	)	PUNCT
abrj-454	271	30	.	.	PUNCT
abrj-454	272	1	the	the	DET
abrj-454	272	2	highest	high	ADJ
abrj-454	272	3	observed	observe	VERB
abrj-454	272	4	htmt	htmt	NOUN
abrj-454	272	5	ratio	ratio	NOUN
abrj-454	272	6	was	be	AUX
abrj-454	272	7	0.671	0.671	NUM
abrj-454	272	8	(	(	PUNCT
abrj-454	272	9	between	between	ADP
abrj-454	272	10	trust	trust	NOUN
abrj-454	272	11	in	in	ADP
abrj-454	272	12	platform	platform	NOUN
abrj-454	272	13	and	and	CCONJ
abrj-454	272	14	perceived	perceive	VERB
abrj-454	272	15	risk	risk	NOUN
abrj-454	272	16	)	)	PUNCT
abrj-454	272	17	,	,	PUNCT
abrj-454	272	18	indicating	indicate	VERB
abrj-454	272	19	clear	clear	ADJ
abrj-454	272	20	discrimination	discrimination	NOUN
abrj-454	272	21	between	between	ADP
abrj-454	272	22	constructs	construct	NOUN
abrj-454	272	23	.	.	PUNCT
abrj-454	273	1	furthermore	furthermore	ADV
abrj-454	273	2	,	,	PUNCT
abrj-454	273	3	the	the	DET
abrj-454	273	4	htmt	htmt	PROPN
abrj-454	273	5	inference	inference	PROPN
abrj-454	273	6	test	test	NOUN
abrj-454	273	7	utilising	utilise	VERB
abrj-454	273	8	bootstrapping	bootstrappe	VERB
abrj-454	273	9	with	with	SCONJ
abrj-454	273	10	5,000	5,000	NUM
abrj-454	273	11	resamples	resample	NOUN
abrj-454	273	12	confirmed	confirm	VERB
abrj-454	273	13	that	that	SCONJ
abrj-454	273	14	all	all	DET
abrj-454	273	15	htmt	htmt	NOUN
abrj-454	273	16	values	value	NOUN
abrj-454	273	17	were	be	AUX
abrj-454	273	18	significantly	significantly	ADV
abrj-454	273	19	different	different	ADJ
abrj-454	273	20	from	from	ADP
abrj-454	273	21	1	1	NUM
abrj-454	273	22	,	,	PUNCT
abrj-454	273	23	providing	provide	VERB
abrj-454	273	24	additional	additional	ADJ
abrj-454	273	25	evidence	evidence	NOUN
abrj-454	273	26	of	of	ADP
abrj-454	273	27	discriminant	discriminant	ADJ
abrj-454	273	28	validity	validity	NOUN
abrj-454	273	29	.	.	PUNCT
abrj-454	274	1	for	for	ADP
abrj-454	274	2	the	the	DET
abrj-454	274	3	formative	formative	ADJ
abrj-454	274	4	measurement	measurement	NOUN
abrj-454	274	5	models	model	NOUN
abrj-454	274	6	(	(	PUNCT
abrj-454	274	7	second	second	ADJ
abrj-454	274	8	-	-	PUNCT
abrj-454	274	9	order	order	NOUN
abrj-454	274	10	constructs	construct	NOUN
abrj-454	274	11	)	)	PUNCT
abrj-454	274	12	,	,	PUNCT
abrj-454	274	13	assessment	assessment	NOUN
abrj-454	274	14	focused	focus	VERB
abrj-454	274	15	on	on	ADP
abrj-454	274	16	indicator	indicator	NOUN
abrj-454	274	17	collinearity	collinearity	NOUN
abrj-454	274	18	,	,	PUNCT
abrj-454	274	19	significance	significance	NOUN
abrj-454	274	20	of	of	ADP
abrj-454	274	21	outer	outer	ADJ
abrj-454	274	22	weights	weight	NOUN
abrj-454	274	23	,	,	PUNCT
abrj-454	274	24	and	and	CCONJ
abrj-454	274	25	theoretical	theoretical	ADJ
abrj-454	274	26	relevance	relevance	NOUN
abrj-454	274	27	.	.	PUNCT
abrj-454	275	1	collinearity	collinearity	NOUN
abrj-454	275	2	assessment	assessment	NOUN
abrj-454	275	3	revealed	reveal	VERB
abrj-454	275	4	variance	variance	NOUN
abrj-454	275	5	inflation	inflation	NOUN
abrj-454	275	6	factor	factor	NOUN
abrj-454	275	7	(	(	PUNCT
abrj-454	275	8	vif	vif	NOUN
abrj-454	275	9	)	)	PUNCT
abrj-454	275	10	values	value	NOUN
abrj-454	275	11	ranging	range	VERB
abrj-454	275	12	from	from	ADP
abrj-454	275	13	1.427	1.427	NUM
abrj-454	275	14	to	to	ADP
abrj-454	275	15	2.836	2.836	NUM
abrj-454	275	16	,	,	PUNCT
abrj-454	275	17	well	well	ADV
abrj-454	275	18	below	below	ADP
abrj-454	275	19	the	the	DET
abrj-454	275	20	threshold	threshold	NOUN
abrj-454	275	21	of	of	ADP
abrj-454	275	22	5	5	NUM
abrj-454	275	23	,	,	PUNCT
abrj-454	275	24	indicating	indicate	VERB
abrj-454	275	25	absence	absence	NOUN
abrj-454	275	26	of	of	ADP
abrj-454	275	27	problematic	problematic	ADJ
abrj-454	275	28	collinearity	collinearity	NOUN
abrj-454	275	29	(	(	PUNCT
abrj-454	275	30	hair	hair	NOUN
abrj-454	275	31	et	et	PROPN
abrj-454	275	32	al	al	PROPN
abrj-454	275	33	.	.	PROPN
abrj-454	275	34	,	,	PUNCT
abrj-454	275	35	2017	2017	NUM
abrj-454	275	36	)	)	PUNCT
abrj-454	275	37	.	.	PUNCT
abrj-454	276	1	assessment	assessment	NOUN
abrj-454	276	2	of	of	ADP
abrj-454	276	3	outer	outer	ADJ
abrj-454	276	4	weights	weight	NOUN
abrj-454	276	5	revealed	reveal	VERB
abrj-454	276	6	that	that	SCONJ
abrj-454	276	7	all	all	DET
abrj-454	276	8	first	first	ADJ
abrj-454	276	9	-	-	PUNCT
abrj-454	276	10	order	order	NOUN
abrj-454	276	11	components	component	NOUN
abrj-454	276	12	significantly	significantly	ADV
abrj-454	276	13	contributed	contribute	VERB
abrj-454	276	14	to	to	ADP
abrj-454	276	15	their	their	PRON
abrj-454	276	16	respective	respective	ADJ
abrj-454	276	17	second	second	ADJ
abrj-454	276	18	-	-	PUNCT
abrj-454	276	19	order	order	NOUN
abrj-454	276	20	constructs	construct	NOUN
abrj-454	276	21	(	(	PUNCT
abrj-454	276	22	p	p	X
abrj-454	276	23	<	<	X
abrj-454	276	24	0.01	0.01	NUM
abrj-454	276	25	)	)	PUNCT
abrj-454	276	26	.	.	PUNCT
abrj-454	277	1	for	for	ADP
abrj-454	277	2	financial	financial	ADJ
abrj-454	277	3	literacy	literacy	NOUN
abrj-454	277	4	,	,	PUNCT
abrj-454	277	5	the	the	DET
abrj-454	277	6	relative	relative	ADJ
abrj-454	277	7	asian	asian	ADJ
abrj-454	277	8	business	business	PROPN
abrj-454	277	9	research	research	NOUN
abrj-454	277	10	journal	journal	NOUN
abrj-454	277	11	,	,	PUNCT
abrj-454	277	12	2025	2025	NUM
abrj-454	277	13	,	,	PUNCT
abrj-454	277	14	10(5	10(5	NUM
abrj-454	277	15	):	):	PUNCT
abrj-454	277	16	106	106	NUM
abrj-454	277	17	-	-	SYM
abrj-454	277	18	119	119	NUM
abrj-454	277	19	114	114	NUM
abrj-454	277	20	©	©	PROPN
abrj-454	277	21	2025	2025	NUM
abrj-454	277	22	by	by	ADP
abrj-454	277	23	the	the	DET
abrj-454	277	24	author	author	NOUN
abrj-454	277	25	;	;	PUNCT
abrj-454	277	26	licensee	licensee	NOUN
abrj-454	277	27	eastern	eastern	ADJ
abrj-454	277	28	centre	centre	NOUN
abrj-454	277	29	of	of	ADP
abrj-454	277	30	science	science	NOUN
abrj-454	277	31	and	and	CCONJ
abrj-454	277	32	education	education	NOUN
abrj-454	277	33	,	,	PUNCT
abrj-454	277	34	usa	usa	PROPN
abrj-454	277	35	contributions	contribution	NOUN
abrj-454	277	36	were	be	AUX
abrj-454	277	37	financial	financial	ADJ
abrj-454	277	38	knowledge	knowledge	NOUN
abrj-454	277	39	(	(	PUNCT
abrj-454	277	40	0.412	0.412	NUM
abrj-454	277	41	)	)	PUNCT
abrj-454	277	42	,	,	PUNCT
abrj-454	277	43	financial	financial	ADJ
abrj-454	277	44	attitudes	attitude	NOUN
abrj-454	277	45	(	(	PUNCT
abrj-454	277	46	0.368	0.368	NUM
abrj-454	277	47	)	)	PUNCT
abrj-454	277	48	,	,	PUNCT
abrj-454	277	49	and	and	CCONJ
abrj-454	277	50	financial	financial	ADJ
abrj-454	277	51	behaviour	behaviour	NOUN
abrj-454	277	52	(	(	PUNCT
abrj-454	277	53	0.387	0.387	NUM
abrj-454	277	54	)	)	PUNCT
abrj-454	277	55	.	.	PUNCT
abrj-454	278	1	for	for	ADP
abrj-454	278	2	platform	platform	NOUN
abrj-454	278	3	adoption	adoption	NOUN
abrj-454	278	4	,	,	PUNCT
abrj-454	278	5	the	the	DET
abrj-454	278	6	relative	relative	ADJ
abrj-454	278	7	contributions	contribution	NOUN
abrj-454	278	8	were	be	AUX
abrj-454	278	9	initial	initial	ADJ
abrj-454	278	10	adoption	adoption	NOUN
abrj-454	278	11	(	(	PUNCT
abrj-454	278	12	0.352	0.352	NUM
abrj-454	278	13	)	)	PUNCT
abrj-454	278	14	,	,	PUNCT
abrj-454	278	15	usage	usage	NOUN
abrj-454	278	16	intensity	intensity	NOUN
abrj-454	278	17	(	(	PUNCT
abrj-454	278	18	0.412	0.412	NUM
abrj-454	278	19	)	)	PUNCT
abrj-454	278	20	,	,	PUNCT
abrj-454	278	21	and	and	CCONJ
abrj-454	278	22	functional	functional	ADJ
abrj-454	278	23	utilisation	utilisation	NOUN
abrj-454	278	24	(	(	PUNCT
abrj-454	278	25	0.389	0.389	NUM
abrj-454	278	26	)	)	PUNCT
abrj-454	278	27	.	.	PUNCT
abrj-454	279	1	confirmatory	confirmatory	NOUN
abrj-454	279	2	factor	factor	NOUN
abrj-454	279	3	analysis	analysis	NOUN
abrj-454	279	4	(	(	PUNCT
abrj-454	279	5	cfa	cfa	NOUN
abrj-454	279	6	)	)	PUNCT
abrj-454	279	7	provided	provide	VERB
abrj-454	279	8	further	further	ADJ
abrj-454	279	9	validation	validation	NOUN
abrj-454	279	10	of	of	ADP
abrj-454	279	11	the	the	DET
abrj-454	279	12	measurement	measurement	NOUN
abrj-454	279	13	model	model	NOUN
abrj-454	279	14	structure	structure	NOUN
abrj-454	279	15	.	.	PUNCT
abrj-454	280	1	the	the	DET
abrj-454	280	2	model	model	NOUN
abrj-454	280	3	demonstrated	demonstrate	VERB
abrj-454	280	4	satisfactory	satisfactory	ADJ
abrj-454	280	5	fit	fit	NOUN
abrj-454	280	6	with	with	ADP
abrj-454	280	7	the	the	DET
abrj-454	280	8	empirical	empirical	ADJ
abrj-454	280	9	data	datum	NOUN
abrj-454	280	10	,	,	PUNCT
abrj-454	280	11	as	as	SCONJ
abrj-454	280	12	indicated	indicate	VERB
abrj-454	280	13	by	by	ADP
abrj-454	280	14	the	the	DET
abrj-454	280	15	standardised	standardise	VERB
abrj-454	280	16	root	root	NOUN
abrj-454	280	17	mean	mean	NOUN
abrj-454	280	18	square	square	ADJ
abrj-454	280	19	residual	residual	ADJ
abrj-454	280	20	(	(	PUNCT
abrj-454	280	21	srmr	srmr	PROPN
abrj-454	280	22	)	)	PUNCT
abrj-454	280	23	of	of	ADP
abrj-454	280	24	0.048	0.048	NUM
abrj-454	280	25	,	,	PUNCT
abrj-454	280	26	below	below	ADP
abrj-454	280	27	the	the	DET
abrj-454	280	28	recommended	recommend	VERB
abrj-454	280	29	threshold	threshold	NOUN
abrj-454	280	30	of	of	ADP
abrj-454	280	31	0.08	0.08	NUM
abrj-454	280	32	(	(	PUNCT
abrj-454	280	33	hu	hu	PROPN
abrj-454	280	34	&	&	CCONJ
abrj-454	280	35	bentler	bentler	PROPN
abrj-454	280	36	,	,	PUNCT
abrj-454	280	37	1999	1999	NUM
abrj-454	280	38	)	)	PUNCT
abrj-454	280	39	.	.	PUNCT
abrj-454	281	1	additionally	additionally	ADV
abrj-454	281	2	,	,	PUNCT
abrj-454	281	3	the	the	DET
abrj-454	281	4	normed	norme	VERB
abrj-454	281	5	fit	fit	ADJ
abrj-454	281	6	index	index	NOUN
abrj-454	281	7	(	(	PUNCT
abrj-454	281	8	nfi	nfi	NOUN
abrj-454	281	9	)	)	PUNCT
abrj-454	281	10	of	of	ADP
abrj-454	281	11	0.921	0.921	NUM
abrj-454	281	12	and	and	CCONJ
abrj-454	281	13	the	the	DET
abrj-454	281	14	goodness	goodness	NOUN
abrj-454	281	15	-	-	PUNCT
abrj-454	281	16	of	of	ADP
abrj-454	281	17	-	-	PUNCT
abrj-454	281	18	fit	fit	NOUN
abrj-454	281	19	index	index	NOUN
abrj-454	281	20	(	(	PUNCT
abrj-454	281	21	gof	gof	NOUN
abrj-454	281	22	)	)	PUNCT
abrj-454	281	23	of	of	ADP
abrj-454	281	24	0.586	0.586	NUM
abrj-454	281	25	indicated	indicate	VERB
abrj-454	281	26	satisfactory	satisfactory	ADJ
abrj-454	281	27	fit	fit	NOUN
abrj-454	281	28	for	for	ADP
abrj-454	281	29	the	the	DET
abrj-454	281	30	measurement	measurement	NOUN
abrj-454	281	31	model	model	NOUN
abrj-454	281	32	.	.	PUNCT
abrj-454	282	1	4.2	4.2	NUM
abrj-454	282	2	.	.	PUNCT
abrj-454	283	1	structural	structural	ADJ
abrj-454	283	2	estimation	estimation	NOUN
abrj-454	283	3	model	model	NOUN
abrj-454	283	4	assessment	assessment	NOUN
abrj-454	283	5	following	follow	VERB
abrj-454	283	6	validation	validation	NOUN
abrj-454	283	7	of	of	ADP
abrj-454	283	8	the	the	DET
abrj-454	283	9	measurement	measurement	NOUN
abrj-454	283	10	model	model	NOUN
abrj-454	283	11	,	,	PUNCT
abrj-454	283	12	structural	structural	ADJ
abrj-454	283	13	model	model	NOUN
abrj-454	283	14	assessment	assessment	NOUN
abrj-454	283	15	examined	examine	VERB
abrj-454	283	16	the	the	DET
abrj-454	283	17	hypothesised	hypothesised	ADJ
abrj-454	283	18	relationships	relationship	NOUN
abrj-454	283	19	between	between	ADP
abrj-454	283	20	financial	financial	ADJ
abrj-454	283	21	literacy	literacy	NOUN
abrj-454	283	22	dimensions	dimension	NOUN
abrj-454	283	23	and	and	CCONJ
abrj-454	283	24	consumer	consumer	NOUN
abrj-454	283	25	behaviour	behaviour	NOUN
abrj-454	283	26	within	within	ADP
abrj-454	283	27	p2p	p2p	NOUN
abrj-454	283	28	lending	lending	NOUN
abrj-454	283	29	platforms	platform	NOUN
abrj-454	283	30	.	.	PUNCT
abrj-454	284	1	the	the	DET
abrj-454	284	2	structural	structural	ADJ
abrj-454	284	3	model	model	NOUN
abrj-454	284	4	was	be	AUX
abrj-454	284	5	evaluated	evaluate	VERB
abrj-454	284	6	through	through	ADP
abrj-454	284	7	path	path	NOUN
abrj-454	284	8	coefficients	coefficient	NOUN
abrj-454	284	9	,	,	PUNCT
abrj-454	284	10	significance	significance	NOUN
abrj-454	284	11	levels	level	NOUN
abrj-454	284	12	,	,	PUNCT
abrj-454	284	13	coefficient	coefficient	NOUN
abrj-454	284	14	of	of	ADP
abrj-454	284	15	determination	determination	NOUN
abrj-454	284	16	(	(	PUNCT
abrj-454	284	17	r²	r²	PROPN
abrj-454	284	18	)	)	PUNCT
abrj-454	284	19	,	,	PUNCT
abrj-454	284	20	effect	effect	NOUN
abrj-454	284	21	size	size	NOUN
abrj-454	284	22	(	(	PUNCT
abrj-454	284	23	f²	f²	NOUN
abrj-454	284	24	)	)	PUNCT
abrj-454	284	25	,	,	PUNCT
abrj-454	284	26	and	and	CCONJ
abrj-454	284	27	predictive	predictive	ADJ
abrj-454	284	28	relevance	relevance	NOUN
abrj-454	284	29	(	(	PUNCT
abrj-454	284	30	q²	q²	PROPN
abrj-454	284	31	)	)	PUNCT
abrj-454	284	32	.	.	PUNCT
abrj-454	285	1	bootstrapping	bootstrappe	VERB
abrj-454	285	2	with	with	SCONJ
abrj-454	285	3	5,000	5,000	NUM
abrj-454	285	4	resamples	resample	NOUN
abrj-454	285	5	generated	generate	VERB
abrj-454	285	6	robust	robust	ADJ
abrj-454	285	7	standard	standard	ADJ
abrj-454	285	8	errors	error	NOUN
abrj-454	285	9	for	for	ADP
abrj-454	285	10	significance	significance	NOUN
abrj-454	285	11	testing	testing	NOUN
abrj-454	285	12	of	of	ADP
abrj-454	285	13	path	path	NOUN
abrj-454	285	14	coefficients	coefficient	NOUN
abrj-454	285	15	.	.	PUNCT
abrj-454	286	1	the	the	DET
abrj-454	286	2	direct	direct	ADJ
abrj-454	286	3	effects	effect	NOUN
abrj-454	286	4	analysis	analysis	NOUN
abrj-454	286	5	revealed	reveal	VERB
abrj-454	286	6	significant	significant	ADJ
abrj-454	286	7	relationships	relationship	NOUN
abrj-454	286	8	between	between	ADP
abrj-454	286	9	key	key	ADJ
abrj-454	286	10	model	model	NOUN
abrj-454	286	11	constructs	construct	NOUN
abrj-454	286	12	,	,	PUNCT
abrj-454	286	13	as	as	SCONJ
abrj-454	286	14	summarised	summarise	VERB
abrj-454	286	15	in	in	ADP
abrj-454	286	16	table	table	NOUN
abrj-454	286	17	3	3	NUM
abrj-454	286	18	.	.	PUNCT
abrj-454	286	19	financial	financial	ADJ
abrj-454	286	20	literacy	literacy	NOUN
abrj-454	286	21	demonstrated	demonstrate	VERB
abrj-454	286	22	significant	significant	ADJ
abrj-454	286	23	positive	positive	ADJ
abrj-454	286	24	effects	effect	NOUN
abrj-454	286	25	on	on	ADP
abrj-454	286	26	trust	trust	NOUN
abrj-454	286	27	in	in	ADP
abrj-454	286	28	platform	platform	NOUN
abrj-454	286	29	(	(	PUNCT
abrj-454	286	30	β	β	X
abrj-454	286	31	=	=	PUNCT
abrj-454	286	32	0.417	0.417	NUM
abrj-454	286	33	,	,	PUNCT
abrj-454	286	34	p	p	X
abrj-454	286	35	<	<	X
abrj-454	286	36	0.001	0.001	NUM
abrj-454	286	37	)	)	PUNCT
abrj-454	286	38	and	and	CCONJ
abrj-454	286	39	financial	financial	ADJ
abrj-454	286	40	self	self	NOUN
abrj-454	286	41	-	-	PUNCT
abrj-454	286	42	efficacy	efficacy	NOUN
abrj-454	286	43	(	(	PUNCT
abrj-454	286	44	β	β	X
abrj-454	286	45	=	=	SYM
abrj-454	286	46	0.539	0.539	NUM
abrj-454	286	47	,	,	PUNCT
abrj-454	286	48	p	p	X
abrj-454	286	49	<	<	X
abrj-454	286	50	0.001	0.001	NUM
abrj-454	286	51	)	)	PUNCT
abrj-454	286	52	,	,	PUNCT
abrj-454	286	53	and	and	CCONJ
abrj-454	286	54	a	a	DET
abrj-454	286	55	significant	significant	ADJ
abrj-454	286	56	negative	negative	ADJ
abrj-454	286	57	effect	effect	NOUN
abrj-454	286	58	on	on	ADP
abrj-454	286	59	perceived	perceive	VERB
abrj-454	286	60	risk	risk	NOUN
abrj-454	286	61	(	(	PUNCT
abrj-454	286	62	β	β	X
abrj-454	286	63	=	=	SYM
abrj-454	286	64	-0.398	-0.398	PROPN
abrj-454	286	65	,	,	PUNCT
abrj-454	286	66	p	p	X
abrj-454	286	67	<	<	X
abrj-454	286	68	0.001	0.001	NUM
abrj-454	286	69	)	)	PUNCT
abrj-454	286	70	.	.	PUNCT
abrj-454	287	1	the	the	DET
abrj-454	287	2	dimensional	dimensional	ADJ
abrj-454	287	3	analysis	analysis	NOUN
abrj-454	287	4	further	far	ADV
abrj-454	287	5	revealed	reveal	VERB
abrj-454	287	6	differential	differential	ADJ
abrj-454	287	7	effects	effect	NOUN
abrj-454	287	8	of	of	ADP
abrj-454	287	9	financial	financial	ADJ
abrj-454	287	10	literacy	literacy	NOUN
abrj-454	287	11	components	component	NOUN
abrj-454	287	12	,	,	PUNCT
abrj-454	287	13	with	with	ADP
abrj-454	287	14	financial	financial	ADJ
abrj-454	287	15	knowledge	knowledge	NOUN
abrj-454	287	16	demonstrating	demonstrate	VERB
abrj-454	287	17	the	the	DET
abrj-454	287	18	strongest	strong	ADJ
abrj-454	287	19	effect	effect	NOUN
abrj-454	287	20	on	on	ADP
abrj-454	287	21	perceived	perceive	VERB
abrj-454	287	22	risk	risk	NOUN
abrj-454	287	23	(	(	PUNCT
abrj-454	287	24	β	β	X
abrj-454	287	25	=	=	PUNCT
abrj-454	287	26	-0.302	-0.302	PROPN
abrj-454	287	27	,	,	PUNCT
abrj-454	287	28	p	p	X
abrj-454	287	29	<	<	X
abrj-454	287	30	0.001	0.001	NUM
abrj-454	287	31	)	)	PUNCT
abrj-454	287	32	,	,	PUNCT
abrj-454	287	33	financial	financial	ADJ
abrj-454	287	34	behaviour	behaviour	NOUN
abrj-454	287	35	demonstrating	demonstrate	VERB
abrj-454	287	36	the	the	DET
abrj-454	287	37	strongest	strong	ADJ
abrj-454	287	38	effect	effect	NOUN
abrj-454	287	39	on	on	ADP
abrj-454	287	40	trust	trust	NOUN
abrj-454	287	41	in	in	ADP
abrj-454	287	42	platform	platform	NOUN
abrj-454	287	43	(	(	PUNCT
abrj-454	287	44	β	β	X
abrj-454	287	45	=	=	NUM
abrj-454	287	46	0.247	0.247	NUM
abrj-454	287	47	,	,	PUNCT
abrj-454	287	48	p	p	X
abrj-454	287	49	<	<	X
abrj-454	287	50	0.001	0.001	NUM
abrj-454	287	51	)	)	PUNCT
abrj-454	287	52	,	,	PUNCT
abrj-454	287	53	and	and	CCONJ
abrj-454	287	54	financial	financial	ADJ
abrj-454	287	55	knowledge	knowledge	NOUN
abrj-454	287	56	demonstrating	demonstrate	VERB
abrj-454	287	57	the	the	DET
abrj-454	287	58	strongest	strong	ADJ
abrj-454	287	59	effect	effect	NOUN
abrj-454	287	60	on	on	ADP
abrj-454	287	61	financial	financial	ADJ
abrj-454	287	62	self	self	NOUN
abrj-454	287	63	-	-	PUNCT
abrj-454	287	64	efficacy	efficacy	NOUN
abrj-454	287	65	(	(	PUNCT
abrj-454	287	66	β	β	X
abrj-454	287	67	=	=	PUNCT
abrj-454	287	68	0.412	0.412	NUM
abrj-454	287	69	,	,	PUNCT
abrj-454	287	70	p	p	X
abrj-454	287	71	<	<	X
abrj-454	287	72	0.001	0.001	NUM
abrj-454	287	73	)	)	PUNCT
abrj-454	287	74	.	.	PUNCT
abrj-454	288	1	table	table	NOUN
abrj-454	288	2	3	3	NUM
abrj-454	288	3	.	.	PUNCT
abrj-454	289	1	direct	direct	ADJ
abrj-454	289	2	effects	effect	NOUN
abrj-454	289	3	results	result	NOUN
abrj-454	289	4	.	.	PUNCT
abrj-454	290	1	relationship	relationship	NOUN
abrj-454	290	2	path	path	PROPN
abrj-454	290	3	coefficient	coefficient	PROPN
abrj-454	290	4	t	t	NOUN
abrj-454	290	5	-	-	PUNCT
abrj-454	290	6	value	value	NOUN
abrj-454	290	7	p	p	NOUN
abrj-454	290	8	-	-	PUNCT
abrj-454	290	9	value	value	NOUN
abrj-454	290	10	f²	f²	NOUN
abrj-454	290	11	95	95	NUM
abrj-454	290	12	%	%	NOUN
abrj-454	290	13	ci	ci	NOUN
abrj-454	290	14	fl	fl	INTJ
abrj-454	290	15	→	→	NOUN
abrj-454	290	16	pr	pr	NOUN
abrj-454	290	17	-0.398	-0.398	NOUN
abrj-454	290	18	7.852	7.852	NUM
abrj-454	290	19	<	<	NOUN
abrj-454	290	20	0.001	0.001	NUM
abrj-454	290	21	0.186	0.186	NUM
abrj-454	290	22	[	[	X
abrj-454	290	23	-0.486	-0.486	NOUN
abrj-454	290	24	,	,	PUNCT
abrj-454	290	25	-0.312	-0.312	PRON
abrj-454	290	26	]	]	X
abrj-454	290	27	fk	fk	INTJ
abrj-454	290	28	→	→	SYM
abrj-454	290	29	pr	pr	NOUN
abrj-454	290	30	-0.302	-0.302	PUNCT
abrj-454	290	31	5.638	5.638	NUM
abrj-454	290	32	<	<	NOUN
abrj-454	290	33	0.001	0.001	NUM
abrj-454	290	34	0.121	0.121	NUM
abrj-454	290	35	[	[	X
abrj-454	290	36	-0.386	-0.386	X
abrj-454	290	37	,	,	PUNCT
abrj-454	290	38	-0.215	-0.215	X
abrj-454	290	39	]	]	X
abrj-454	290	40	fa	fa	INTJ
abrj-454	290	41	→	→	PUNCT
abrj-454	290	42	pr	pr	NOUN
abrj-454	290	43	-0.147	-0.147	NUM
abrj-454	290	44	2.892	2.892	NUM
abrj-454	290	45	0.004	0.004	NUM
abrj-454	290	46	0.039	0.039	NUM
abrj-454	291	1	[	[	X
abrj-454	291	2	-0.243	-0.243	ADJ
abrj-454	291	3	,	,	PUNCT
abrj-454	291	4	-0.049	-0.049	PRON
abrj-454	291	5	]	]	X
abrj-454	291	6	fb	fb	NOUN
abrj-454	291	7	→	→	PUNCT
abrj-454	291	8	pr	pr	NOUN
abrj-454	291	9	-0.164	-0.164	NOUN
abrj-454	291	10	3.127	3.127	NUM
abrj-454	291	11	0.002	0.002	NUM
abrj-454	291	12	0.047	0.047	NUM
abrj-454	292	1	[	[	X
abrj-454	292	2	-0.256	-0.256	X
abrj-454	292	3	,	,	PUNCT
abrj-454	292	4	-0.068	-0.068	X
abrj-454	292	5	]	]	X
abrj-454	292	6	fl	fl	X
abrj-454	292	7	→	→	SYM
abrj-454	292	8	tp	tp	ADP
abrj-454	292	9	0.417	0.417	NUM
abrj-454	292	10	8.326	8.326	NUM
abrj-454	292	11	<	<	NOUN
abrj-454	292	12	0.001	0.001	NUM
abrj-454	292	13	0.211	0.211	NUM
abrj-454	292	14	[	[	X
abrj-454	292	15	0.326	0.326	NUM
abrj-454	292	16	,	,	PUNCT
abrj-454	292	17	0.504	0.504	NUM
abrj-454	292	18	]	]	X
abrj-454	292	19	fk	fk	INTJ
abrj-454	292	20	→	→	SYM
abrj-454	292	21	tp	tp	ADP
abrj-454	292	22	0.232	0.232	NUM
abrj-454	292	23	4.571	4.571	NUM
abrj-454	292	24	<	<	NOUN
abrj-454	292	25	0.001	0.001	NUM
abrj-454	292	26	0.082	0.082	NUM
abrj-454	292	27	[	[	X
abrj-454	292	28	0.145	0.145	NUM
abrj-454	292	29	,	,	PUNCT
abrj-454	292	30	0.317	0.317	NUM
abrj-454	292	31	]	]	X
abrj-454	292	32	fa	fa	X
abrj-454	292	33	→	→	SYM
abrj-454	292	34	tp	tp	ADP
abrj-454	292	35	0.173	0.173	NUM
abrj-454	292	36	3.412	3.412	NUM
abrj-454	292	37	<	<	NOUN
abrj-454	292	38	0.001	0.001	NUM
abrj-454	292	39	0.054	0.054	NUM
abrj-454	293	1	[	[	X
abrj-454	293	2	0.085	0.085	NUM
abrj-454	293	3	,	,	PUNCT
abrj-454	293	4	0.259	0.259	NUM
abrj-454	293	5	]	]	X
abrj-454	293	6	fb	fb	NOUN
abrj-454	293	7	→	→	SYM
abrj-454	293	8	tp	tp	ADP
abrj-454	293	9	0.247	0.247	NUM
abrj-454	293	10	4.976	4.976	NUM
abrj-454	293	11	<	<	X
abrj-454	293	12	0.001	0.001	NUM
abrj-454	293	13	0.092	0.092	NUM
abrj-454	293	14	[	[	X
abrj-454	293	15	0.164	0.164	NUM
abrj-454	293	16	,	,	PUNCT
abrj-454	293	17	0.328	0.328	NUM
abrj-454	293	18	]	]	X
abrj-454	293	19	fl	fl	PROPN
abrj-454	293	20	→	→	SYM
abrj-454	293	21	se	se	X
abrj-454	293	22	0.539	0.539	NUM
abrj-454	293	23	12.476	12.476	NUM
abrj-454	293	24	<	<	X
abrj-454	293	25	0.001	0.001	NUM
abrj-454	293	26	0.410	0.410	NUM
abrj-454	293	27	[	[	X
abrj-454	293	28	0.462	0.462	NUM
abrj-454	293	29	,	,	PUNCT
abrj-454	293	30	0.612	0.612	NUM
abrj-454	293	31	]	]	X
abrj-454	293	32	fk	fk	INTJ
abrj-454	293	33	→	→	SYM
abrj-454	293	34	se	se	PROPN
abrj-454	293	35	0.412	0.412	NUM
abrj-454	293	36	8.937	8.937	NUM
abrj-454	293	37	<	<	NOUN
abrj-454	293	38	0.001	0.001	NUM
abrj-454	293	39	0.254	0.254	NUM
abrj-454	293	40	[	[	X
abrj-454	293	41	0.329	0.329	NUM
abrj-454	293	42	,	,	PUNCT
abrj-454	293	43	0.491	0.491	NUM
abrj-454	293	44	]	]	X
abrj-454	293	45	fa	fa	X
abrj-454	293	46	→	→	SYM
abrj-454	293	47	se	se	X
abrj-454	293	48	0.183	0.183	NUM
abrj-454	293	49	3.752	3.752	NUM
abrj-454	293	50	<	<	X
abrj-454	293	51	0.001	0.001	NUM
abrj-454	293	52	0.061	0.061	NUM
abrj-454	294	1	[	[	X
abrj-454	294	2	0.097	0.097	NUM
abrj-454	294	3	,	,	PUNCT
abrj-454	294	4	0.267	0.267	NUM
abrj-454	294	5	]	]	X
abrj-454	294	6	fb	fb	X
abrj-454	294	7	→	→	SYM
abrj-454	294	8	se	se	PROPN
abrj-454	294	9	0.209	0.209	NUM
abrj-454	294	10	4.183	4.183	NUM
abrj-454	294	11	<	<	X
abrj-454	294	12	0.001	0.001	NUM
abrj-454	294	13	0.077	0.077	NUM
abrj-454	294	14	[	[	X
abrj-454	294	15	0.123	0.123	NUM
abrj-454	294	16	,	,	PUNCT
abrj-454	294	17	0.293	0.293	NUM
abrj-454	294	18	]	]	PUNCT
abrj-454	294	19	pr	pr	NOUN
abrj-454	294	20	→	→	SYM
abrj-454	294	21	pa	pa	PROPN
abrj-454	294	22	-0.347	-0.347	PROPN
abrj-454	294	23	6.829	6.829	NUM
abrj-454	294	24	<	<	X
abrj-454	294	25	0.001	0.001	NUM
abrj-454	294	26	0.168	0.168	NUM
abrj-454	294	27	[	[	X
abrj-454	294	28	-0.434	-0.434	ADJ
abrj-454	294	29	,	,	PUNCT
abrj-454	294	30	-0.257	-0.257	PROPN
abrj-454	294	31	]	]	PUNCT
abrj-454	294	32	tp	tp	NOUN
abrj-454	294	33	→	→	SYM
abrj-454	294	34	pa	pa	PROPN
abrj-454	294	35	0.326	0.326	NUM
abrj-454	294	36	6.237	6.237	NUM
abrj-454	294	37	<	<	NOUN
abrj-454	294	38	0.001	0.001	NUM
abrj-454	294	39	0.149	0.149	NUM
abrj-454	295	1	[	[	X
abrj-454	295	2	0.237	0.237	NUM
abrj-454	295	3	,	,	PUNCT
abrj-454	295	4	0.412	0.412	NUM
abrj-454	295	5	]	]	PUNCT
abrj-454	295	6	se	se	X
abrj-454	295	7	→	→	SYM
abrj-454	295	8	pa	pa	PROPN
abrj-454	295	9	0.289	0.289	NUM
abrj-454	295	10	5.427	5.427	NUM
abrj-454	295	11	<	<	NOUN
abrj-454	295	12	0.001	0.001	NUM
abrj-454	295	13	0.123	0.123	NUM
abrj-454	295	14	[	[	X
abrj-454	295	15	0.197	0.197	NUM
abrj-454	295	16	,	,	PUNCT
abrj-454	295	17	0.377	0.377	NUM
abrj-454	295	18	]	]	PUNCT
abrj-454	295	19	note	note	NOUN
abrj-454	295	20	:	:	PUNCT
abrj-454	295	21	fl	fl	NOUN
abrj-454	295	22	=	=	PUNCT
abrj-454	295	23	financial	financial	ADJ
abrj-454	295	24	literacy	literacy	NOUN
abrj-454	295	25	,	,	PUNCT
abrj-454	295	26	fk	fk	INTJ
abrj-454	295	27	=	=	PUNCT
abrj-454	295	28	financial	financial	ADJ
abrj-454	295	29	knowledge	knowledge	NOUN
abrj-454	295	30	,	,	PUNCT
abrj-454	295	31	fa	fa	NOUN
abrj-454	295	32	=	=	SYM
abrj-454	295	33	financial	financial	ADJ
abrj-454	295	34	attitudes	attitude	NOUN
abrj-454	295	35	,	,	PUNCT
abrj-454	295	36	fb	fb	NOUN
abrj-454	295	37	=	=	ADJ
abrj-454	295	38	financial	financial	ADJ
abrj-454	295	39	behaviour	behaviour	NOUN
abrj-454	295	40	,	,	PUNCT
abrj-454	295	41	pr	pr	NOUN
abrj-454	295	42	=	=	SYM
abrj-454	295	43	perceived	perceive	VERB
abrj-454	295	44	risk	risk	NOUN
abrj-454	295	45	,	,	PUNCT
abrj-454	295	46	tp	tp	ADP
abrj-454	295	47	=	=	PUNCT
abrj-454	295	48	trust	trust	NOUN
abrj-454	295	49	in	in	ADP
abrj-454	295	50	platform	platform	NOUN
abrj-454	295	51	,	,	PUNCT
abrj-454	295	52	se	se	X
abrj-454	295	53	=	=	SYM
abrj-454	295	54	financial	financial	ADJ
abrj-454	295	55	self	self	NOUN
abrj-454	295	56	-	-	PUNCT
abrj-454	295	57	efficacy	efficacy	NOUN
abrj-454	295	58	,	,	PUNCT
abrj-454	295	59	pa	pa	NOUN
abrj-454	295	60	=	=	PROPN
abrj-454	295	61	platform	platform	NOUN
abrj-454	295	62	adoption	adoption	NOUN
abrj-454	295	63	.	.	PUNCT
abrj-454	296	1	the	the	DET
abrj-454	296	2	mediating	mediating	NOUN
abrj-454	296	3	variables	variable	NOUN
abrj-454	296	4	demonstrated	demonstrate	VERB
abrj-454	296	5	significant	significant	ADJ
abrj-454	296	6	effects	effect	NOUN
abrj-454	296	7	on	on	ADP
abrj-454	296	8	platform	platform	NOUN
abrj-454	296	9	adoption	adoption	NOUN
abrj-454	296	10	,	,	PUNCT
abrj-454	296	11	with	with	ADP
abrj-454	296	12	perceived	perceive	VERB
abrj-454	296	13	risk	risk	NOUN
abrj-454	296	14	showing	show	VERB
abrj-454	296	15	a	a	DET
abrj-454	296	16	negative	negative	ADJ
abrj-454	296	17	effect	effect	NOUN
abrj-454	296	18	(	(	PUNCT
abrj-454	296	19	β	β	X
abrj-454	296	20	=	=	SYM
abrj-454	296	21	-0.347	-0.347	PROPN
abrj-454	296	22	,	,	PUNCT
abrj-454	296	23	p	p	X
abrj-454	296	24	<	<	X
abrj-454	296	25	0.001	0.001	NUM
abrj-454	296	26	)	)	PUNCT
abrj-454	296	27	,	,	PUNCT
abrj-454	296	28	trust	trust	NOUN
abrj-454	296	29	in	in	ADP
abrj-454	296	30	platform	platform	NOUN
abrj-454	296	31	showing	show	VERB
abrj-454	296	32	a	a	DET
abrj-454	296	33	positive	positive	ADJ
abrj-454	296	34	effect	effect	NOUN
abrj-454	296	35	(	(	PUNCT
abrj-454	296	36	β	β	X
abrj-454	296	37	=	=	PUNCT
abrj-454	296	38	0.326	0.326	NUM
abrj-454	296	39	,	,	PUNCT
abrj-454	296	40	p	p	X
abrj-454	296	41	<	<	X
abrj-454	296	42	0.001	0.001	NUM
abrj-454	296	43	)	)	PUNCT
abrj-454	296	44	,	,	PUNCT
abrj-454	296	45	and	and	CCONJ
abrj-454	296	46	financial	financial	ADJ
abrj-454	296	47	self	self	NOUN
abrj-454	296	48	-	-	PUNCT
abrj-454	296	49	efficacy	efficacy	NOUN
abrj-454	296	50	showing	show	VERB
abrj-454	296	51	a	a	DET
abrj-454	296	52	positive	positive	ADJ
abrj-454	296	53	effect	effect	NOUN
abrj-454	296	54	(	(	PUNCT
abrj-454	296	55	β	β	X
abrj-454	296	56	=	=	PUNCT
abrj-454	296	57	0.289	0.289	NUM
abrj-454	296	58	,	,	PUNCT
abrj-454	296	59	p	p	X
abrj-454	296	60	<	<	X
abrj-454	296	61	0.001	0.001	NUM
abrj-454	296	62	)	)	PUNCT
abrj-454	296	63	.	.	PUNCT
abrj-454	297	1	the	the	DET
abrj-454	297	2	effect	effect	NOUN
abrj-454	297	3	size	size	NOUN
abrj-454	297	4	(	(	PUNCT
abrj-454	297	5	f²	f²	NOUN
abrj-454	297	6	)	)	PUNCT
abrj-454	297	7	analysis	analysis	NOUN
abrj-454	297	8	indicated	indicate	VERB
abrj-454	297	9	that	that	SCONJ
abrj-454	297	10	financial	financial	ADJ
abrj-454	297	11	literacy	literacy	NOUN
abrj-454	297	12	had	have	VERB
abrj-454	297	13	a	a	DET
abrj-454	297	14	medium	medium	ADJ
abrj-454	297	15	effect	effect	NOUN
abrj-454	297	16	on	on	ADP
abrj-454	297	17	trust	trust	NOUN
abrj-454	297	18	in	in	ADP
abrj-454	297	19	platform	platform	NOUN
abrj-454	297	20	(	(	PUNCT
abrj-454	297	21	f²	f²	NOUN
abrj-454	297	22	=	=	NOUN
abrj-454	297	23	0.211	0.211	NUM
abrj-454	297	24	)	)	PUNCT
abrj-454	297	25	and	and	CCONJ
abrj-454	297	26	a	a	DET
abrj-454	297	27	large	large	ADJ
abrj-454	297	28	effect	effect	NOUN
abrj-454	297	29	on	on	ADP
abrj-454	297	30	financial	financial	ADJ
abrj-454	297	31	selfefficacy	selfefficacy	NOUN
abrj-454	297	32	(	(	PUNCT
abrj-454	297	33	f²	f²	NOUN
abrj-454	297	34	=	=	NOUN
abrj-454	297	35	0.410	0.410	NUM
abrj-454	297	36	)	)	PUNCT
abrj-454	297	37	,	,	PUNCT
abrj-454	297	38	while	while	SCONJ
abrj-454	297	39	its	its	PRON
abrj-454	297	40	effect	effect	NOUN
abrj-454	297	41	on	on	ADP
abrj-454	297	42	perceived	perceive	VERB
abrj-454	297	43	risk	risk	NOUN
abrj-454	297	44	was	be	AUX
abrj-454	297	45	small	small	ADJ
abrj-454	297	46	to	to	ADP
abrj-454	297	47	medium	medium	NOUN
abrj-454	297	48	(	(	PUNCT
abrj-454	297	49	f²	f²	NOUN
abrj-454	297	50	=	=	SYM
abrj-454	297	51	0.186	0.186	NUM
abrj-454	297	52	)	)	PUNCT
abrj-454	297	53	based	base	VERB
abrj-454	297	54	on	on	ADP
abrj-454	297	55	cohen	cohen	PROPN
abrj-454	297	56	's	's	PART
abrj-454	297	57	(	(	PUNCT
abrj-454	297	58	1988	1988	NUM
abrj-454	297	59	)	)	PUNCT
abrj-454	297	60	guidelines	guideline	NOUN
abrj-454	297	61	.	.	PUNCT
abrj-454	298	1	the	the	DET
abrj-454	298	2	predictive	predictive	ADJ
abrj-454	298	3	power	power	NOUN
abrj-454	298	4	of	of	ADP
abrj-454	298	5	the	the	DET
abrj-454	298	6	model	model	NOUN
abrj-454	298	7	was	be	AUX
abrj-454	298	8	assessed	assess	VERB
abrj-454	298	9	through	through	ADP
abrj-454	298	10	the	the	DET
abrj-454	298	11	coefficient	coefficient	NOUN
abrj-454	298	12	of	of	ADP
abrj-454	298	13	determination	determination	NOUN
abrj-454	298	14	(	(	PUNCT
abrj-454	298	15	r²	r²	PROPN
abrj-454	298	16	)	)	PUNCT
abrj-454	298	17	,	,	PUNCT
abrj-454	298	18	which	which	PRON
abrj-454	298	19	indicated	indicate	VERB
abrj-454	298	20	that	that	SCONJ
abrj-454	298	21	the	the	DET
abrj-454	298	22	model	model	NOUN
abrj-454	298	23	explained	explain	VERB
abrj-454	298	24	substantial	substantial	ADJ
abrj-454	298	25	variance	variance	NOUN
abrj-454	298	26	in	in	ADP
abrj-454	298	27	the	the	DET
abrj-454	298	28	endogenous	endogenous	ADJ
abrj-454	298	29	constructs	construct	NOUN
abrj-454	298	30	:	:	PUNCT
abrj-454	298	31	perceived	perceive	VERB
abrj-454	298	32	risk	risk	NOUN
abrj-454	298	33	(	(	PUNCT
abrj-454	298	34	r²	r²	NOUN
abrj-454	298	35	=	=	SYM
abrj-454	298	36	0.246	0.246	NUM
abrj-454	298	37	)	)	PUNCT
abrj-454	298	38	,	,	PUNCT
abrj-454	298	39	trust	trust	NOUN
abrj-454	298	40	in	in	ADP
abrj-454	298	41	platform	platform	NOUN
abrj-454	298	42	(	(	PUNCT
abrj-454	298	43	r²	r²	NOUN
abrj-454	298	44	=	=	NOUN
abrj-454	298	45	0.312	0.312	NUM
abrj-454	298	46	)	)	PUNCT
abrj-454	298	47	,	,	PUNCT
abrj-454	298	48	financial	financial	ADJ
abrj-454	298	49	self	self	NOUN
abrj-454	298	50	-	-	PUNCT
abrj-454	298	51	efficacy	efficacy	NOUN
abrj-454	298	52	(	(	PUNCT
abrj-454	298	53	r²	r²	NOUN
abrj-454	298	54	=	=	NOUN
abrj-454	298	55	0.376	0.376	NUM
abrj-454	298	56	)	)	PUNCT
abrj-454	298	57	,	,	PUNCT
abrj-454	298	58	and	and	CCONJ
abrj-454	298	59	platform	platform	NOUN
abrj-454	298	60	adoption	adoption	NOUN
abrj-454	298	61	(	(	PUNCT
abrj-454	298	62	r²	r²	NOUN
abrj-454	298	63	=	=	SYM
abrj-454	298	64	0.482	0.482	NUM
abrj-454	298	65	)	)	PUNCT
abrj-454	298	66	.	.	PUNCT
abrj-454	299	1	the	the	DET
abrj-454	299	2	adjusted	adjust	VERB
abrj-454	299	3	r²	r²	NOUN
abrj-454	299	4	values	value	NOUN
abrj-454	299	5	,	,	PUNCT
abrj-454	299	6	which	which	PRON
abrj-454	299	7	account	account	VERB
abrj-454	299	8	for	for	ADP
abrj-454	299	9	model	model	NOUN
abrj-454	299	10	complexity	complexity	NOUN
abrj-454	299	11	,	,	PUNCT
abrj-454	299	12	remained	remain	VERB
abrj-454	299	13	close	close	ADJ
abrj-454	299	14	to	to	ADP
abrj-454	299	15	the	the	DET
abrj-454	299	16	unadjusted	unadjusted	ADJ
abrj-454	299	17	values	value	NOUN
abrj-454	299	18	,	,	PUNCT
abrj-454	299	19	indicating	indicate	VERB
abrj-454	299	20	model	model	NOUN
abrj-454	299	21	parsimony	parsimony	NOUN
abrj-454	299	22	.	.	PUNCT
abrj-454	300	1	the	the	DET
abrj-454	300	2	predictive	predictive	ADJ
abrj-454	300	3	relevance	relevance	NOUN
abrj-454	300	4	assessment	assessment	NOUN
abrj-454	300	5	through	through	ADP
abrj-454	300	6	blindfolding	blindfold	VERB
abrj-454	300	7	procedure	procedure	NOUN
abrj-454	300	8	yielded	yield	VERB
abrj-454	300	9	q²	q²	ADJ
abrj-454	300	10	values	value	NOUN
abrj-454	300	11	well	well	ADV
abrj-454	300	12	above	above	ADP
abrj-454	300	13	zero	zero	NUM
abrj-454	300	14	for	for	ADP
abrj-454	300	15	all	all	DET
abrj-454	300	16	endogenous	endogenous	ADJ
abrj-454	300	17	constructs	construct	NOUN
abrj-454	300	18	:	:	PUNCT
abrj-454	300	19	perceived	perceive	VERB
abrj-454	300	20	risk	risk	NOUN
abrj-454	300	21	(	(	PUNCT
abrj-454	300	22	q²	q²	PROPN
abrj-454	300	23	=	=	SYM
abrj-454	300	24	0.143	0.143	NUM
abrj-454	300	25	)	)	PUNCT
abrj-454	300	26	,	,	PUNCT
abrj-454	300	27	trust	trust	NOUN
abrj-454	300	28	in	in	ADP
abrj-454	300	29	platform	platform	NOUN
abrj-454	300	30	(	(	PUNCT
abrj-454	300	31	q²	q²	PROPN
abrj-454	300	32	=	=	SYM
abrj-454	300	33	0.207	0.207	NUM
abrj-454	300	34	)	)	PUNCT
abrj-454	300	35	,	,	PUNCT
abrj-454	300	36	financial	financial	ADJ
abrj-454	300	37	self	self	NOUN
abrj-454	300	38	-	-	PUNCT
abrj-454	300	39	efficacy	efficacy	NOUN
abrj-454	300	40	(	(	PUNCT
abrj-454	300	41	q²	q²	PROPN
abrj-454	300	42	=	=	PROPN
abrj-454	300	43	0.202	0.202	NUM
abrj-454	300	44	)	)	PUNCT
abrj-454	300	45	,	,	PUNCT
abrj-454	300	46	and	and	CCONJ
abrj-454	300	47	platform	platform	NOUN
abrj-454	300	48	adoption	adoption	NOUN
abrj-454	300	49	(	(	PUNCT
abrj-454	300	50	q²	q²	PROPN
abrj-454	300	51	=	=	PROPN
abrj-454	300	52	0.269	0.269	NUM
abrj-454	300	53	)	)	PUNCT
abrj-454	300	54	,	,	PUNCT
abrj-454	300	55	confirming	confirm	VERB
abrj-454	300	56	the	the	DET
abrj-454	300	57	model	model	NOUN
abrj-454	300	58	's	's	PART
abrj-454	300	59	predictive	predictive	ADJ
abrj-454	300	60	relevance	relevance	NOUN
abrj-454	300	61	(	(	PUNCT
abrj-454	300	62	see	see	VERB
abrj-454	300	63	table	table	NOUN
abrj-454	300	64	4	4	NUM
abrj-454	300	65	)	)	PUNCT
abrj-454	300	66	.	.	PUNCT
abrj-454	301	1	table	table	NOUN
abrj-454	301	2	4	4	NUM
abrj-454	301	3	.	.	PUNCT
abrj-454	301	4	predictive	predictive	ADJ
abrj-454	301	5	relevance	relevance	NOUN
abrj-454	301	6	assessment	assessment	NOUN
abrj-454	301	7	.	.	PUNCT
abrj-454	302	1	endogenous	endogenous	ADJ
abrj-454	302	2	construct	construct	NOUN
abrj-454	302	3	r²	r²	NOUN
abrj-454	302	4	r²	r²	NOUN
abrj-454	302	5	adjusted	adjust	VERB
abrj-454	302	6	q²	q²	NOUN
abrj-454	302	7	perceived	perceive	VERB
abrj-454	302	8	risk	risk	NOUN
abrj-454	302	9	(	(	PUNCT
abrj-454	302	10	pr	pr	NOUN
abrj-454	302	11	)	)	PUNCT
abrj-454	302	12	0.246	0.246	NUM
abrj-454	302	13	0.238	0.238	NUM
abrj-454	302	14	0.143	0.143	NUM
abrj-454	302	15	trust	trust	NOUN
abrj-454	302	16	in	in	ADP
abrj-454	302	17	platform	platform	NOUN
abrj-454	302	18	(	(	PUNCT
abrj-454	302	19	tp	tp	NOUN
abrj-454	302	20	)	)	PUNCT
abrj-454	302	21	0.312	0.312	NUM
abrj-454	302	22	0.305	0.305	NUM
abrj-454	302	23	0.207	0.207	NUM
abrj-454	302	24	financial	financial	ADJ
abrj-454	302	25	self	self	NOUN
abrj-454	302	26	-	-	PUNCT
abrj-454	302	27	efficacy	efficacy	NOUN
abrj-454	302	28	(	(	PUNCT
abrj-454	302	29	se	se	X
abrj-454	302	30	)	)	PUNCT
abrj-454	302	31	0.376	0.376	NUM
abrj-454	302	32	0.369	0.369	NUM
abrj-454	302	33	0.202	0.202	NUM
abrj-454	302	34	platform	platform	NOUN
abrj-454	302	35	adoption	adoption	NOUN
abrj-454	302	36	(	(	PUNCT
abrj-454	302	37	pa	pa	PROPN
abrj-454	302	38	)	)	PUNCT
abrj-454	302	39	0.482	0.482	NUM
abrj-454	302	40	0.468	0.468	NUM
abrj-454	302	41	0.269	0.269	DET
abrj-454	302	42	specific	specific	ADJ
abrj-454	302	43	indirect	indirect	ADJ
abrj-454	302	44	effects	effect	NOUN
abrj-454	302	45	analysis	analysis	NOUN
abrj-454	302	46	identified	identify	VERB
abrj-454	302	47	significant	significant	ADJ
abrj-454	302	48	mediating	mediate	VERB
abrj-454	302	49	pathways	pathway	NOUN
abrj-454	302	50	linking	link	VERB
abrj-454	302	51	financial	financial	ADJ
abrj-454	302	52	literacy	literacy	NOUN
abrj-454	302	53	to	to	ADP
abrj-454	302	54	platform	platform	NOUN
abrj-454	302	55	adoption	adoption	NOUN
abrj-454	302	56	,	,	PUNCT
abrj-454	302	57	as	as	SCONJ
abrj-454	302	58	shown	show	VERB
abrj-454	302	59	in	in	ADP
abrj-454	302	60	table	table	NOUN
abrj-454	302	61	5	5	NUM
abrj-454	302	62	.	.	PUNCT
abrj-454	303	1	the	the	DET
abrj-454	303	2	strongest	strong	ADJ
abrj-454	303	3	indirect	indirect	ADJ
abrj-454	303	4	effect	effect	NOUN
abrj-454	303	5	operated	operate	VERB
abrj-454	303	6	through	through	ADP
abrj-454	303	7	financial	financial	ADJ
abrj-454	303	8	self	self	NOUN
abrj-454	303	9	-	-	PUNCT
abrj-454	303	10	efficacy	efficacy	NOUN
abrj-454	303	11	(	(	PUNCT
abrj-454	303	12	β	β	X
abrj-454	303	13	=	=	SYM
abrj-454	303	14	0.156	0.156	NUM
abrj-454	303	15	,	,	PUNCT
abrj-454	303	16	p	p	X
abrj-454	303	17	<	<	X
abrj-454	303	18	0.001	0.001	NUM
abrj-454	303	19	)	)	PUNCT
abrj-454	303	20	,	,	PUNCT
abrj-454	303	21	followed	follow	VERB
abrj-454	303	22	by	by	ADP
abrj-454	303	23	trust	trust	NOUN
abrj-454	303	24	in	in	ADP
abrj-454	303	25	platform	platform	NOUN
abrj-454	303	26	(	(	PUNCT
abrj-454	303	27	β	β	X
abrj-454	303	28	=	=	PUNCT
abrj-454	303	29	0.136	0.136	NUM
abrj-454	303	30	,	,	PUNCT
abrj-454	303	31	p	p	X
abrj-454	303	32	<	<	X
abrj-454	303	33	0.001	0.001	NUM
abrj-454	303	34	)	)	PUNCT
abrj-454	303	35	and	and	CCONJ
abrj-454	303	36	perceived	perceive	VERB
abrj-454	303	37	risk	risk	NOUN
abrj-454	303	38	(	(	PUNCT
abrj-454	303	39	β	β	X
abrj-454	303	40	=	=	SYM
abrj-454	303	41	0.138	0.138	NUM
abrj-454	303	42	,	,	PUNCT
abrj-454	303	43	p	p	X
abrj-454	303	44	<	<	X
abrj-454	303	45	0.001	0.001	NUM
abrj-454	303	46	)	)	PUNCT
abrj-454	303	47	.	.	PUNCT
abrj-454	304	1	the	the	DET
abrj-454	304	2	total	total	ADJ
abrj-454	304	3	indirect	indirect	ADJ
abrj-454	304	4	effect	effect	NOUN
abrj-454	304	5	of	of	ADP
abrj-454	304	6	financial	financial	ADJ
abrj-454	304	7	literacy	literacy	NOUN
abrj-454	304	8	on	on	ADP
abrj-454	304	9	platform	platform	NOUN
abrj-454	304	10	adoption	adoption	NOUN
abrj-454	304	11	was	be	AUX
abrj-454	304	12	0.430	0.430	NUM
abrj-454	304	13	(	(	PUNCT
abrj-454	304	14	p	p	X
abrj-454	304	15	<	<	X
abrj-454	304	16	0.001	0.001	NUM
abrj-454	304	17	)	)	PUNCT
abrj-454	304	18	,	,	PUNCT
abrj-454	304	19	with	with	ADP
abrj-454	304	20	a	a	DET
abrj-454	304	21	95	95	NUM
abrj-454	304	22	%	%	NOUN
abrj-454	304	23	confidence	confidence	NOUN
abrj-454	304	24	interval	interval	NOUN
abrj-454	304	25	of	of	ADP
abrj-454	304	26	[	[	X
abrj-454	304	27	0.359	0.359	NUM
abrj-454	304	28	,	,	PUNCT
abrj-454	304	29	0.497	0.497	NUM
abrj-454	304	30	]	]	PUNCT
abrj-454	304	31	,	,	PUNCT
abrj-454	304	32	indicating	indicate	VERB
abrj-454	304	33	strong	strong	ADJ
abrj-454	304	34	mediation	mediation	NOUN
abrj-454	304	35	effects	effect	NOUN
abrj-454	304	36	.	.	PUNCT
abrj-454	305	1	asian	asian	ADJ
abrj-454	305	2	business	business	PROPN
abrj-454	305	3	research	research	NOUN
abrj-454	305	4	journal	journal	NOUN
abrj-454	305	5	,	,	PUNCT
abrj-454	305	6	2025	2025	NUM
abrj-454	305	7	,	,	PUNCT
abrj-454	305	8	10(5	10(5	NUM
abrj-454	305	9	):	):	PUNCT
abrj-454	305	10	106	106	NUM
abrj-454	305	11	-	-	SYM
abrj-454	305	12	119	119	NUM
abrj-454	305	13	115	115	NUM
abrj-454	305	14	©	©	PROPN
abrj-454	305	15	2025	2025	NUM
abrj-454	305	16	by	by	ADP
abrj-454	305	17	the	the	DET
abrj-454	305	18	author	author	NOUN
abrj-454	305	19	;	;	PUNCT
abrj-454	305	20	licensee	licensee	NOUN
abrj-454	305	21	eastern	eastern	ADJ
abrj-454	305	22	centre	centre	NOUN
abrj-454	305	23	of	of	ADP
abrj-454	305	24	science	science	NOUN
abrj-454	305	25	and	and	CCONJ
abrj-454	305	26	education	education	NOUN
abrj-454	305	27	,	,	PUNCT
abrj-454	305	28	usa	usa	PROPN
abrj-454	305	29	table	table	NOUN
abrj-454	305	30	5	5	NUM
abrj-454	305	31	.	.	PUNCT
abrj-454	305	32	specific	specific	ADJ
abrj-454	305	33	indirect	indirect	ADJ
abrj-454	305	34	effects	effect	NOUN
abrj-454	305	35	.	.	PUNCT
abrj-454	306	1	indirect	indirect	ADJ
abrj-454	306	2	path	path	NOUN
abrj-454	306	3	path	path	PROPN
abrj-454	306	4	coefficient	coefficient	PROPN
abrj-454	306	5	t	t	NOUN
abrj-454	306	6	-	-	PUNCT
abrj-454	306	7	value	value	NOUN
abrj-454	306	8	p	p	NOUN
abrj-454	306	9	-	-	PUNCT
abrj-454	306	10	value	value	NOUN
abrj-454	306	11	95	95	NUM
abrj-454	306	12	%	%	NOUN
abrj-454	306	13	ci	ci	NOUN
abrj-454	306	14	fl	fl	INTJ
abrj-454	306	15	→	→	NOUN
abrj-454	306	16	pr	pr	NOUN
abrj-454	306	17	→	→	SYM
abrj-454	306	18	pa	pa	PROPN
abrj-454	306	19	0.138	0.138	NUM
abrj-454	306	20	5.412	5.412	NUM
abrj-454	306	21	<	<	NOUN
abrj-454	306	22	0.001	0.001	NUM
abrj-454	306	23	[	[	X
abrj-454	306	24	0.097	0.097	NUM
abrj-454	306	25	,	,	PUNCT
abrj-454	306	26	0.181	0.181	NUM
abrj-454	306	27	]	]	PUNCT
abrj-454	306	28	fl	fl	X
abrj-454	306	29	→	→	SYM
abrj-454	306	30	tp	tp	X
abrj-454	306	31	→	→	SYM
abrj-454	306	32	pa	pa	PROPN
abrj-454	306	33	0.136	0.136	NUM
abrj-454	306	34	5.321	5.321	NUM
abrj-454	306	35	<	<	NOUN
abrj-454	306	36	0.001	0.001	NUM
abrj-454	306	37	[	[	X
abrj-454	306	38	0.092	0.092	NUM
abrj-454	306	39	,	,	PUNCT
abrj-454	306	40	0.179	0.179	NUM
abrj-454	306	41	]	]	X
abrj-454	306	42	fl	fl	PROPN
abrj-454	306	43	→	→	SYM
abrj-454	306	44	se	se	X
abrj-454	306	45	→	→	SYM
abrj-454	306	46	pa	pa	PROPN
abrj-454	306	47	0.156	0.156	NUM
abrj-454	306	48	5.874	5.874	NUM
abrj-454	306	49	<	<	NOUN
abrj-454	306	50	0.001	0.001	NUM
abrj-454	307	1	[	[	X
abrj-454	307	2	0.108	0.108	NUM
abrj-454	307	3	,	,	PUNCT
abrj-454	307	4	0.203	0.203	NUM
abrj-454	307	5	]	]	X
abrj-454	307	6	fk	fk	INTJ
abrj-454	307	7	→	→	NOUN
abrj-454	307	8	pr	pr	NOUN
abrj-454	307	9	→	→	SYM
abrj-454	307	10	pa	pa	PROPN
abrj-454	307	11	0.105	0.105	NUM
abrj-454	307	12	4.293	4.293	NUM
abrj-454	307	13	<	<	NOUN
abrj-454	307	14	0.001	0.001	NUM
abrj-454	307	15	[	[	X
abrj-454	307	16	0.067	0.067	NUM
abrj-454	307	17	,	,	PUNCT
abrj-454	307	18	0.142	0.142	NUM
abrj-454	307	19	]	]	X
abrj-454	307	20	fk	fk	INTJ
abrj-454	307	21	→	→	SYM
abrj-454	307	22	tp	tp	PROPN
abrj-454	307	23	→	→	SYM
abrj-454	307	24	pa	pa	PROPN
abrj-454	307	25	0.076	0.076	NUM
abrj-454	307	26	3.718	3.718	NUM
abrj-454	307	27	<	<	NOUN
abrj-454	307	28	0.001	0.001	NUM
abrj-454	307	29	[	[	X
abrj-454	307	30	0.041	0.041	NUM
abrj-454	307	31	,	,	PUNCT
abrj-454	307	32	0.110	0.110	NUM
abrj-454	307	33	]	]	X
abrj-454	307	34	fk	fk	INTJ
abrj-454	307	35	→	→	SYM
abrj-454	307	36	se	se	X
abrj-454	307	37	→	→	SYM
abrj-454	307	38	pa	pa	PROPN
abrj-454	307	39	0.119	0.119	NUM
abrj-454	307	40	5.103	5.103	NUM
abrj-454	307	41	<	<	NOUN
abrj-454	307	42	0.001	0.001	NUM
abrj-454	307	43	[	[	X
abrj-454	307	44	0.080	0.080	NUM
abrj-454	307	45	,	,	PUNCT
abrj-454	307	46	0.158	0.158	NUM
abrj-454	307	47	]	]	X
abrj-454	307	48	fa	fa	INTJ
abrj-454	307	49	→	→	PUNCT
abrj-454	307	50	pr	pr	NOUN
abrj-454	307	51	→	→	SYM
abrj-454	307	52	pa	pa	PROPN
abrj-454	307	53	0.051	0.051	NUM
abrj-454	307	54	2.472	2.472	NUM
abrj-454	307	55	0.013	0.013	NUM
abrj-454	308	1	[	[	X
abrj-454	308	2	0.013	0.013	NUM
abrj-454	308	3	,	,	PUNCT
abrj-454	308	4	0.089	0.089	NUM
abrj-454	308	5	]	]	PUNCT
abrj-454	308	6	fa	fa	INTJ
abrj-454	308	7	→	→	SYM
abrj-454	308	8	tp	tp	X
abrj-454	308	9	→	→	SYM
abrj-454	308	10	pa	pa	PROPN
abrj-454	308	11	0.056	0.056	NUM
abrj-454	308	12	3.001	3.001	NUM
abrj-454	308	13	0.003	0.003	NUM
abrj-454	308	14	[	[	X
abrj-454	308	15	0.024	0.024	NUM
abrj-454	308	16	,	,	PUNCT
abrj-454	308	17	0.090	0.090	NUM
abrj-454	308	18	]	]	X
abrj-454	308	19	fa	fa	X
abrj-454	308	20	→	→	SYM
abrj-454	308	21	se	se	X
abrj-454	308	22	→	→	SYM
abrj-454	308	23	pa	pa	PROPN
abrj-454	308	24	0.053	0.053	NUM
abrj-454	308	25	2.927	2.927	NUM
abrj-454	308	26	0.003	0.003	NUM
abrj-454	308	27	[	[	X
abrj-454	308	28	0.022	0.022	NUM
abrj-454	308	29	,	,	PUNCT
abrj-454	308	30	0.084	0.084	NUM
abrj-454	308	31	]	]	PUNCT
abrj-454	308	32	fb	fb	X
abrj-454	308	33	→	→	X
abrj-454	308	34	pr	pr	X
abrj-454	308	35	→	→	SYM
abrj-454	308	36	pa	pa	PROPN
abrj-454	308	37	0.057	0.057	NUM
abrj-454	308	38	2.842	2.842	NUM
abrj-454	308	39	0.004	0.004	NUM
abrj-454	308	40	[	[	X
abrj-454	308	41	0.021	0.021	NUM
abrj-454	308	42	,	,	PUNCT
abrj-454	308	43	0.092	0.092	NUM
abrj-454	308	44	]	]	X
abrj-454	308	45	fb	fb	NOUN
abrj-454	308	46	→	→	SYM
abrj-454	308	47	tp	tp	X
abrj-454	308	48	→	→	SYM
abrj-454	308	49	pa	pa	PROPN
abrj-454	308	50	0.081	0.081	NUM
abrj-454	308	51	3.827	3.827	NUM
abrj-454	308	52	<	<	NOUN
abrj-454	308	53	0.001	0.001	NUM
abrj-454	308	54	[	[	X
abrj-454	308	55	0.045	0.045	NUM
abrj-454	308	56	,	,	PUNCT
abrj-454	308	57	0.117	0.117	NUM
abrj-454	308	58	]	]	X
abrj-454	308	59	fb	fb	NOUN
abrj-454	308	60	→	→	SYM
abrj-454	308	61	se	se	X
abrj-454	308	62	→	→	SYM
abrj-454	308	63	pa	pa	PROPN
abrj-454	308	64	0.060	0.060	NUM
abrj-454	308	65	3.174	3.174	NUM
abrj-454	308	66	0.002	0.002	NUM
abrj-454	309	1	[	[	X
abrj-454	309	2	0.028	0.028	NUM
abrj-454	309	3	,	,	PUNCT
abrj-454	309	4	0.094	0.094	NUM
abrj-454	309	5	]	]	PUNCT
abrj-454	309	6	note	note	NOUN
abrj-454	309	7	:	:	PUNCT
abrj-454	309	8	fl	fl	NOUN
abrj-454	309	9	=	=	PUNCT
abrj-454	309	10	financial	financial	ADJ
abrj-454	309	11	literacy	literacy	NOUN
abrj-454	309	12	,	,	PUNCT
abrj-454	309	13	fk	fk	INTJ
abrj-454	309	14	=	=	PUNCT
abrj-454	309	15	financial	financial	ADJ
abrj-454	309	16	knowledge	knowledge	NOUN
abrj-454	309	17	,	,	PUNCT
abrj-454	309	18	fa	fa	NOUN
abrj-454	309	19	=	=	SYM
abrj-454	309	20	financial	financial	ADJ
abrj-454	309	21	attitudes	attitude	NOUN
abrj-454	309	22	,	,	PUNCT
abrj-454	309	23	fb	fb	NOUN
abrj-454	309	24	=	=	ADJ
abrj-454	309	25	financial	financial	ADJ
abrj-454	309	26	behaviour	behaviour	NOUN
abrj-454	309	27	,	,	PUNCT
abrj-454	309	28	pr	pr	NOUN
abrj-454	309	29	=	=	SYM
abrj-454	309	30	perceived	perceive	VERB
abrj-454	309	31	risk	risk	NOUN
abrj-454	309	32	,	,	PUNCT
abrj-454	309	33	tp	tp	ADP
abrj-454	309	34	=	=	PUNCT
abrj-454	309	35	trust	trust	NOUN
abrj-454	309	36	in	in	ADP
abrj-454	309	37	platform	platform	NOUN
abrj-454	309	38	,	,	PUNCT
abrj-454	309	39	se	se	X
abrj-454	309	40	=	=	SYM
abrj-454	309	41	financial	financial	ADJ
abrj-454	309	42	self	self	NOUN
abrj-454	309	43	-	-	PUNCT
abrj-454	309	44	efficacy	efficacy	NOUN
abrj-454	309	45	,	,	PUNCT
abrj-454	309	46	pa	pa	NOUN
abrj-454	309	47	=	=	PROPN
abrj-454	309	48	platform	platform	NOUN
abrj-454	309	49	adoption	adoption	NOUN
abrj-454	309	50	.	.	PUNCT
abrj-454	310	1	moderation	moderation	NOUN
abrj-454	310	2	analysis	analysis	NOUN
abrj-454	310	3	examined	examine	VERB
abrj-454	310	4	the	the	DET
abrj-454	310	5	conditioning	conditioning	NOUN
abrj-454	310	6	effects	effect	NOUN
abrj-454	310	7	of	of	ADP
abrj-454	310	8	demographic	demographic	ADJ
abrj-454	310	9	and	and	CCONJ
abrj-454	310	10	technological	technological	ADJ
abrj-454	310	11	factors	factor	NOUN
abrj-454	310	12	on	on	ADP
abrj-454	310	13	the	the	DET
abrj-454	310	14	relationship	relationship	NOUN
abrj-454	310	15	between	between	ADP
abrj-454	310	16	financial	financial	ADJ
abrj-454	310	17	literacy	literacy	NOUN
abrj-454	310	18	and	and	CCONJ
abrj-454	310	19	mediating	mediating	NOUN
abrj-454	310	20	variables	variable	NOUN
abrj-454	310	21	.	.	PUNCT
abrj-454	311	1	the	the	DET
abrj-454	311	2	results	result	NOUN
abrj-454	311	3	identified	identify	VERB
abrj-454	311	4	significant	significant	ADJ
abrj-454	311	5	moderating	moderating	NOUN
abrj-454	311	6	effects	effect	NOUN
abrj-454	311	7	,	,	PUNCT
abrj-454	311	8	as	as	SCONJ
abrj-454	311	9	summarised	summarise	VERB
abrj-454	311	10	in	in	ADP
abrj-454	311	11	table	table	NOUN
abrj-454	311	12	6	6	NUM
abrj-454	311	13	.	.	PUNCT
abrj-454	312	1	age	age	NOUN
abrj-454	312	2	moderated	moderate	VERB
abrj-454	312	3	the	the	DET
abrj-454	312	4	relationship	relationship	NOUN
abrj-454	312	5	between	between	ADP
abrj-454	312	6	financial	financial	ADJ
abrj-454	312	7	literacy	literacy	NOUN
abrj-454	312	8	and	and	CCONJ
abrj-454	312	9	perceived	perceive	VERB
abrj-454	312	10	risk	risk	NOUN
abrj-454	312	11	,	,	PUNCT
abrj-454	312	12	with	with	ADP
abrj-454	312	13	the	the	DET
abrj-454	312	14	negative	negative	ADJ
abrj-454	312	15	effect	effect	NOUN
abrj-454	312	16	stronger	strong	ADJ
abrj-454	312	17	for	for	ADP
abrj-454	312	18	younger	young	ADJ
abrj-454	312	19	users	user	NOUN
abrj-454	312	20	(	(	PUNCT
abrj-454	312	21	β	β	X
abrj-454	312	22	=	=	SYM
abrj-454	312	23	-0.487	-0.487	PROPN
abrj-454	312	24	,	,	PUNCT
abrj-454	312	25	p	p	X
abrj-454	312	26	<	<	X
abrj-454	312	27	0.001	0.001	NUM
abrj-454	312	28	)	)	PUNCT
abrj-454	312	29	compared	compare	VERB
abrj-454	312	30	to	to	ADP
abrj-454	312	31	older	old	ADJ
abrj-454	312	32	users	user	NOUN
abrj-454	312	33	(	(	PUNCT
abrj-454	312	34	β	β	X
abrj-454	312	35	=	=	SYM
abrj-454	312	36	-0.329	-0.329	PROPN
abrj-454	312	37	,	,	PUNCT
abrj-454	312	38	p	p	X
abrj-454	312	39	<	<	X
abrj-454	312	40	0.001	0.001	NUM
abrj-454	312	41	)	)	PUNCT
abrj-454	312	42	.	.	PUNCT
abrj-454	313	1	prior	prior	ADJ
abrj-454	313	2	digital	digital	ADJ
abrj-454	313	3	banking	banking	NOUN
abrj-454	313	4	experience	experience	NOUN
abrj-454	313	5	moderated	moderate	VERB
abrj-454	313	6	the	the	DET
abrj-454	313	7	relationship	relationship	NOUN
abrj-454	313	8	between	between	ADP
abrj-454	313	9	financial	financial	ADJ
abrj-454	313	10	literacy	literacy	NOUN
abrj-454	313	11	and	and	CCONJ
abrj-454	313	12	financial	financial	ADJ
abrj-454	313	13	selfefficacy	selfefficacy	NOUN
abrj-454	313	14	,	,	PUNCT
abrj-454	313	15	with	with	ADP
abrj-454	313	16	a	a	DET
abrj-454	313	17	stronger	strong	ADJ
abrj-454	313	18	positive	positive	ADJ
abrj-454	313	19	effect	effect	NOUN
abrj-454	313	20	for	for	ADP
abrj-454	313	21	users	user	NOUN
abrj-454	313	22	with	with	ADP
abrj-454	313	23	higher	high	ADJ
abrj-454	313	24	digital	digital	ADJ
abrj-454	313	25	banking	banking	NOUN
abrj-454	313	26	experience	experience	NOUN
abrj-454	313	27	(	(	PUNCT
abrj-454	313	28	β	β	X
abrj-454	313	29	=	=	SYM
abrj-454	313	30	0.621	0.621	NUM
abrj-454	313	31	,	,	PUNCT
abrj-454	313	32	p	p	X
abrj-454	313	33	<	<	X
abrj-454	313	34	0.001	0.001	NUM
abrj-454	313	35	)	)	PUNCT
abrj-454	313	36	compared	compare	VERB
abrj-454	313	37	to	to	ADP
abrj-454	313	38	those	those	PRON
abrj-454	313	39	with	with	ADP
abrj-454	313	40	lower	low	ADJ
abrj-454	313	41	experience	experience	NOUN
abrj-454	313	42	(	(	PUNCT
abrj-454	313	43	β	β	X
abrj-454	313	44	=	=	NUM
abrj-454	313	45	0.428	0.428	NUM
abrj-454	313	46	,	,	PUNCT
abrj-454	313	47	p	p	X
abrj-454	313	48	<	<	X
abrj-454	313	49	0.001	0.001	NUM
abrj-454	313	50	)	)	PUNCT
abrj-454	313	51	.	.	PUNCT
abrj-454	314	1	income	income	NOUN
abrj-454	314	2	level	level	NOUN
abrj-454	314	3	moderated	moderate	VERB
abrj-454	314	4	the	the	DET
abrj-454	314	5	relationship	relationship	NOUN
abrj-454	314	6	between	between	ADP
abrj-454	314	7	financial	financial	ADJ
abrj-454	314	8	literacy	literacy	NOUN
abrj-454	314	9	and	and	CCONJ
abrj-454	314	10	trust	trust	NOUN
abrj-454	314	11	in	in	ADP
abrj-454	314	12	platform	platform	NOUN
abrj-454	314	13	,	,	PUNCT
abrj-454	314	14	with	with	ADP
abrj-454	314	15	the	the	DET
abrj-454	314	16	positive	positive	ADJ
abrj-454	314	17	effect	effect	NOUN
abrj-454	314	18	stronger	strong	ADJ
abrj-454	314	19	for	for	ADP
abrj-454	314	20	higher	high	ADJ
abrj-454	314	21	-	-	PUNCT
abrj-454	314	22	income	income	NOUN
abrj-454	314	23	users	user	NOUN
abrj-454	314	24	(	(	PUNCT
abrj-454	314	25	β	β	X
abrj-454	314	26	=	=	SYM
abrj-454	314	27	0.483	0.483	NUM
abrj-454	314	28	,	,	PUNCT
abrj-454	314	29	p	p	X
abrj-454	314	30	<	<	X
abrj-454	314	31	0.001	0.001	NUM
abrj-454	314	32	)	)	PUNCT
abrj-454	314	33	compared	compare	VERB
abrj-454	314	34	to	to	ADP
abrj-454	314	35	lower	low	ADJ
abrj-454	314	36	-	-	PUNCT
abrj-454	314	37	income	income	NOUN
abrj-454	314	38	users	user	NOUN
abrj-454	314	39	(	(	PUNCT
abrj-454	314	40	β	β	X
abrj-454	314	41	=	=	SYM
abrj-454	314	42	0.352	0.352	NUM
abrj-454	314	43	,	,	PUNCT
abrj-454	314	44	p	p	X
abrj-454	314	45	<	<	X
abrj-454	314	46	0.001	0.001	NUM
abrj-454	314	47	)	)	PUNCT
abrj-454	314	48	.	.	PUNCT
abrj-454	315	1	table	table	NOUN
abrj-454	315	2	6	6	NUM
abrj-454	315	3	.	.	PUNCT
abrj-454	316	1	moderation	moderation	NOUN
abrj-454	316	2	analysis	analysis	NOUN
abrj-454	316	3	results	result	NOUN
abrj-454	316	4	.	.	PUNCT
abrj-454	317	1	relationship	relationship	NOUN
abrj-454	317	2	moderator	moderator	NOUN
abrj-454	317	3	moderating	moderate	VERB
abrj-454	317	4	effect	effect	PROPN
abrj-454	317	5	t	t	NOUN
abrj-454	317	6	-	-	PUNCT
abrj-454	317	7	value	value	NOUN
abrj-454	317	8	p	p	NOUN
abrj-454	317	9	-	-	PUNCT
abrj-454	317	10	value	value	NOUN
abrj-454	317	11	fl	fl	X
abrj-454	317	12	→	→	NOUN
abrj-454	317	13	pr	pr	NOUN
abrj-454	317	14	age	age	NOUN
abrj-454	317	15	0.129	0.129	NUM
abrj-454	317	16	2.843	2.843	NUM
abrj-454	317	17	0.004	0.004	NUM
abrj-454	317	18	fl	fl	NOUN
abrj-454	317	19	→	→	NOUN
abrj-454	317	20	pr	pr	NOUN
abrj-454	317	21	gender	gender	NOUN
abrj-454	317	22	0.047	0.047	NUM
abrj-454	317	23	1.127	1.127	NUM
abrj-454	317	24	0.260	0.260	NUM
abrj-454	317	25	fl	fl	NOUN
abrj-454	317	26	→	→	NOUN
abrj-454	317	27	pr	pr	NOUN
abrj-454	317	28	education	education	NOUN
abrj-454	317	29	0.083	0.083	NUM
abrj-454	317	30	1.921	1.921	NUM
abrj-454	317	31	0.055	0.055	NUM
abrj-454	317	32	fl	fl	NUM
abrj-454	317	33	→	→	SYM
abrj-454	317	34	tp	tp	NOUN
abrj-454	317	35	age	age	NOUN
abrj-454	317	36	-0.042	-0.042	PUNCT
abrj-454	317	37	0.982	0.982	NUM
abrj-454	317	38	0.326	0.326	NUM
abrj-454	317	39	fl	fl	NOUN
abrj-454	317	40	→	→	SYM
abrj-454	317	41	tp	tp	PART
abrj-454	317	42	income	income	NOUN
abrj-454	317	43	0.112	0.112	NUM
abrj-454	317	44	2.576	2.576	NUM
abrj-454	317	45	0.010	0.010	NUM
abrj-454	317	46	fl	fl	NOUN
abrj-454	317	47	→	→	SYM
abrj-454	317	48	tp	tp	ADP
abrj-454	317	49	urban	urban	ADJ
abrj-454	317	50	/	/	SYM
abrj-454	317	51	rural	rural	ADJ
abrj-454	317	52	0.128	0.128	NUM
abrj-454	317	53	2.847	2.847	NUM
abrj-454	317	54	0.004	0.004	NUM
abrj-454	317	55	fl	fl	NUM
abrj-454	317	56	→	→	SYM
abrj-454	317	57	se	se	X
abrj-454	317	58	age	age	NOUN
abrj-454	317	59	-0.074	-0.074	PROPN
abrj-454	317	60	1.726	1.726	NUM
abrj-454	317	61	0.084	0.084	NUM
abrj-454	317	62	fl	fl	PROPN
abrj-454	317	63	→	→	SYM
abrj-454	317	64	se	se	X
abrj-454	317	65	digital	digital	PROPN
abrj-454	317	66	banking	bank	VERB
abrj-454	317	67	0.142	0.142	NUM
abrj-454	317	68	3.271	3.271	NUM
abrj-454	317	69	0.001	0.001	NUM
abrj-454	317	70	fl	fl	PROPN
abrj-454	317	71	→	→	SYM
abrj-454	317	72	se	se	X
abrj-454	317	73	internet	internet	NOUN
abrj-454	317	74	experience	experience	NOUN
abrj-454	317	75	0.116	0.116	NUM
abrj-454	317	76	2.692	2.692	NUM
abrj-454	317	77	0.007	0.007	NUM
abrj-454	317	78	note	note	NOUN
abrj-454	317	79	:	:	PUNCT
abrj-454	317	80	fl	fl	NOUN
abrj-454	317	81	=	=	PUNCT
abrj-454	317	82	financial	financial	ADJ
abrj-454	317	83	literacy	literacy	NOUN
abrj-454	317	84	,	,	PUNCT
abrj-454	317	85	pr	pr	NOUN
abrj-454	317	86	=	=	SYM
abrj-454	317	87	perceived	perceive	VERB
abrj-454	317	88	risk	risk	NOUN
abrj-454	317	89	,	,	PUNCT
abrj-454	317	90	tp	tp	ADP
abrj-454	317	91	=	=	PUNCT
abrj-454	317	92	trust	trust	NOUN
abrj-454	317	93	in	in	ADP
abrj-454	317	94	platform	platform	NOUN
abrj-454	317	95	,	,	PUNCT
abrj-454	317	96	se	se	X
abrj-454	317	97	=	=	SYM
abrj-454	317	98	financial	financial	ADJ
abrj-454	317	99	self	self	NOUN
abrj-454	317	100	-	-	PUNCT
abrj-454	317	101	efficacy	efficacy	NOUN
abrj-454	317	102	.	.	PUNCT
abrj-454	318	1	4.3	4.3	NUM
abrj-454	318	2	.	.	PUNCT
abrj-454	318	3	supplementary	supplementary	ADJ
abrj-454	318	4	analyses	analysis	NOUN
abrj-454	318	5	4.3.1	4.3.1	NUM
abrj-454	318	6	.	.	PUNCT
abrj-454	319	1	multi	multi	ADJ
abrj-454	319	2	-	-	NOUN
abrj-454	319	3	group	group	NOUN
abrj-454	319	4	analysis	analysis	NOUN
abrj-454	319	5	to	to	PART
abrj-454	319	6	examine	examine	VERB
abrj-454	319	7	heterogeneous	heterogeneous	ADJ
abrj-454	319	8	effects	effect	NOUN
abrj-454	319	9	across	across	ADP
abrj-454	319	10	demographic	demographic	ADJ
abrj-454	319	11	segments	segment	NOUN
abrj-454	319	12	,	,	PUNCT
abrj-454	319	13	multi	multi	ADJ
abrj-454	319	14	-	-	ADJ
abrj-454	319	15	group	group	ADJ
abrj-454	319	16	analysis	analysis	NOUN
abrj-454	319	17	(	(	PUNCT
abrj-454	319	18	mga	mga	PROPN
abrj-454	319	19	)	)	PUNCT
abrj-454	319	20	was	be	AUX
abrj-454	319	21	conducted	conduct	VERB
abrj-454	319	22	for	for	ADP
abrj-454	319	23	key	key	ADJ
abrj-454	319	24	categorical	categorical	ADJ
abrj-454	319	25	variables	variable	NOUN
abrj-454	319	26	including	include	VERB
abrj-454	319	27	gender	gender	NOUN
abrj-454	319	28	,	,	PUNCT
abrj-454	319	29	age	age	NOUN
abrj-454	319	30	cohorts	cohort	NOUN
abrj-454	319	31	(	(	PUNCT
abrj-454	319	32	under	under	ADP
abrj-454	319	33	35	35	NUM
abrj-454	319	34	vs.	vs.	ADP
abrj-454	319	35	35	35	NUM
abrj-454	319	36	and	and	CCONJ
abrj-454	319	37	older	old	ADJ
abrj-454	319	38	)	)	PUNCT
abrj-454	319	39	,	,	PUNCT
abrj-454	319	40	and	and	CCONJ
abrj-454	319	41	residential	residential	ADJ
abrj-454	319	42	location	location	NOUN
abrj-454	319	43	(	(	PUNCT
abrj-454	319	44	urban	urban	ADJ
abrj-454	319	45	vs.	vs.	X
abrj-454	319	46	rural	rural	NOUN
abrj-454	319	47	)	)	PUNCT
abrj-454	319	48	.	.	PUNCT
abrj-454	320	1	the	the	DET
abrj-454	320	2	permutation	permutation	NOUN
abrj-454	320	3	test	test	NOUN
abrj-454	320	4	approach	approach	NOUN
abrj-454	320	5	with	with	ADP
abrj-454	320	6	5,000	5,000	NUM
abrj-454	320	7	permutations	permutation	NOUN
abrj-454	320	8	was	be	AUX
abrj-454	320	9	employed	employ	VERB
abrj-454	320	10	to	to	PART
abrj-454	320	11	assess	assess	VERB
abrj-454	320	12	the	the	DET
abrj-454	320	13	statistical	statistical	ADJ
abrj-454	320	14	significance	significance	NOUN
abrj-454	320	15	of	of	ADP
abrj-454	320	16	path	path	NOUN
abrj-454	320	17	coefficient	coefficient	NOUN
abrj-454	320	18	differences	difference	NOUN
abrj-454	320	19	between	between	ADP
abrj-454	320	20	groups	group	NOUN
abrj-454	320	21	(	(	PUNCT
abrj-454	320	22	chin	chin	NOUN
abrj-454	320	23	&	&	CCONJ
abrj-454	320	24	dibbern	dibbern	NOUN
abrj-454	320	25	,	,	PUNCT
abrj-454	320	26	2010	2010	NUM
abrj-454	320	27	)	)	PUNCT
abrj-454	320	28	.	.	PUNCT
abrj-454	321	1	the	the	DET
abrj-454	321	2	gender	gender	NOUN
abrj-454	321	3	-	-	PUNCT
abrj-454	321	4	based	base	VERB
abrj-454	321	5	mga	mga	PROPN
abrj-454	321	6	revealed	reveal	VERB
abrj-454	321	7	significant	significant	ADJ
abrj-454	321	8	differences	difference	NOUN
abrj-454	321	9	in	in	ADP
abrj-454	321	10	the	the	DET
abrj-454	321	11	relationship	relationship	NOUN
abrj-454	321	12	between	between	ADP
abrj-454	321	13	financial	financial	ADJ
abrj-454	321	14	knowledge	knowledge	NOUN
abrj-454	321	15	and	and	CCONJ
abrj-454	321	16	perceived	perceive	VERB
abrj-454	321	17	risk	risk	NOUN
abrj-454	321	18	,	,	PUNCT
abrj-454	321	19	with	with	ADP
abrj-454	321	20	a	a	DET
abrj-454	321	21	stronger	strong	ADJ
abrj-454	321	22	negative	negative	ADJ
abrj-454	321	23	effect	effect	NOUN
abrj-454	321	24	for	for	ADP
abrj-454	321	25	male	male	ADJ
abrj-454	321	26	users	user	NOUN
abrj-454	321	27	(	(	PUNCT
abrj-454	321	28	β	β	X
abrj-454	321	29	=	=	PUNCT
abrj-454	321	30	-0.352	-0.352	X
abrj-454	321	31	,	,	PUNCT
abrj-454	321	32	p	p	X
abrj-454	321	33	<	<	X
abrj-454	321	34	0.001	0.001	NUM
abrj-454	321	35	)	)	PUNCT
abrj-454	321	36	compared	compare	VERB
abrj-454	321	37	to	to	ADP
abrj-454	321	38	female	female	ADJ
abrj-454	321	39	users	user	NOUN
abrj-454	321	40	(	(	PUNCT
abrj-454	321	41	β	β	X
abrj-454	321	42	=	=	SYM
abrj-454	321	43	-0.243	-0.243	PROPN
abrj-454	321	44	,	,	PUNCT
abrj-454	321	45	p	p	X
abrj-454	321	46	<	<	X
abrj-454	321	47	0.001	0.001	NUM
abrj-454	321	48	)	)	PUNCT
abrj-454	321	49	,	,	PUNCT
abrj-454	321	50	with	with	SCONJ
abrj-454	321	51	the	the	DET
abrj-454	321	52	difference	difference	NOUN
abrj-454	321	53	statistically	statistically	ADV
abrj-454	321	54	significant	significant	ADJ
abrj-454	321	55	(	(	PUNCT
abrj-454	321	56	p	p	X
abrj-454	321	57	=	=	NOUN
abrj-454	321	58	0.042	0.042	NUM
abrj-454	321	59	)	)	PUNCT
abrj-454	321	60	.	.	PUNCT
abrj-454	322	1	additionally	additionally	ADV
abrj-454	322	2	,	,	PUNCT
abrj-454	322	3	the	the	DET
abrj-454	322	4	relationship	relationship	NOUN
abrj-454	322	5	between	between	ADP
abrj-454	322	6	financial	financial	ADJ
abrj-454	322	7	behaviour	behaviour	NOUN
abrj-454	322	8	and	and	CCONJ
abrj-454	322	9	trust	trust	NOUN
abrj-454	322	10	in	in	ADP
abrj-454	322	11	platform	platform	NOUN
abrj-454	322	12	demonstrated	demonstrate	VERB
abrj-454	322	13	a	a	DET
abrj-454	322	14	stronger	strong	ADJ
abrj-454	322	15	positive	positive	ADJ
abrj-454	322	16	effect	effect	NOUN
abrj-454	322	17	for	for	ADP
abrj-454	322	18	female	female	ADJ
abrj-454	322	19	users	user	NOUN
abrj-454	322	20	(	(	PUNCT
abrj-454	322	21	β	β	X
abrj-454	322	22	=	=	SYM
abrj-454	322	23	0.311	0.311	NUM
abrj-454	322	24	,	,	PUNCT
abrj-454	322	25	p	p	X
abrj-454	322	26	<	<	X
abrj-454	322	27	0.001	0.001	NUM
abrj-454	322	28	)	)	PUNCT
abrj-454	322	29	compared	compare	VERB
abrj-454	322	30	to	to	ADP
abrj-454	322	31	male	male	ADJ
abrj-454	322	32	users	user	NOUN
abrj-454	322	33	(	(	PUNCT
abrj-454	322	34	β	β	X
abrj-454	322	35	=	=	PUNCT
abrj-454	322	36	0.196	0.196	NUM
abrj-454	322	37	,	,	PUNCT
abrj-454	322	38	p	p	X
abrj-454	322	39	<	<	X
abrj-454	322	40	0.001	0.001	NUM
abrj-454	322	41	)	)	PUNCT
abrj-454	322	42	,	,	PUNCT
abrj-454	322	43	with	with	SCONJ
abrj-454	322	44	the	the	DET
abrj-454	322	45	difference	difference	NOUN
abrj-454	322	46	statistically	statistically	ADV
abrj-454	322	47	significant	significant	ADJ
abrj-454	322	48	(	(	PUNCT
abrj-454	322	49	p	p	X
abrj-454	322	50	=	=	NOUN
abrj-454	322	51	0.027	0.027	NUM
abrj-454	322	52	)	)	PUNCT
abrj-454	322	53	.	.	PUNCT
abrj-454	323	1	the	the	DET
abrj-454	323	2	age	age	NOUN
abrj-454	323	3	-	-	PUNCT
abrj-454	323	4	based	base	VERB
abrj-454	323	5	mga	mga	PROPN
abrj-454	323	6	identified	identify	VERB
abrj-454	323	7	significant	significant	ADJ
abrj-454	323	8	differences	difference	NOUN
abrj-454	323	9	in	in	ADP
abrj-454	323	10	the	the	DET
abrj-454	323	11	relationship	relationship	NOUN
abrj-454	323	12	between	between	ADP
abrj-454	323	13	financial	financial	ADJ
abrj-454	323	14	attitudes	attitude	NOUN
abrj-454	323	15	and	and	CCONJ
abrj-454	323	16	financial	financial	ADJ
abrj-454	323	17	self	self	NOUN
abrj-454	323	18	-	-	PUNCT
abrj-454	323	19	efficacy	efficacy	NOUN
abrj-454	323	20	,	,	PUNCT
abrj-454	323	21	with	with	ADP
abrj-454	323	22	a	a	DET
abrj-454	323	23	stronger	strong	ADJ
abrj-454	323	24	positive	positive	ADJ
abrj-454	323	25	effect	effect	NOUN
abrj-454	323	26	for	for	ADP
abrj-454	323	27	younger	young	ADJ
abrj-454	323	28	users	user	NOUN
abrj-454	323	29	(	(	PUNCT
abrj-454	323	30	β	β	X
abrj-454	323	31	=	=	PUNCT
abrj-454	323	32	0.237	0.237	NUM
abrj-454	323	33	,	,	PUNCT
abrj-454	323	34	p	p	X
abrj-454	323	35	<	<	X
abrj-454	323	36	0.001	0.001	NUM
abrj-454	323	37	)	)	PUNCT
abrj-454	323	38	compared	compare	VERB
abrj-454	323	39	to	to	ADP
abrj-454	323	40	older	old	ADJ
abrj-454	323	41	users	user	NOUN
abrj-454	323	42	(	(	PUNCT
abrj-454	323	43	β	β	X
abrj-454	323	44	=	=	PUNCT
abrj-454	323	45	0.128	0.128	NUM
abrj-454	323	46	,	,	PUNCT
abrj-454	323	47	p	p	NOUN
abrj-454	323	48	=	=	NOUN
abrj-454	323	49	0.018	0.018	NUM
abrj-454	323	50	)	)	PUNCT
abrj-454	323	51	,	,	PUNCT
abrj-454	323	52	with	with	SCONJ
abrj-454	323	53	the	the	DET
abrj-454	323	54	difference	difference	NOUN
abrj-454	323	55	statistically	statistically	ADV
abrj-454	323	56	significant	significant	ADJ
abrj-454	323	57	(	(	PUNCT
abrj-454	323	58	p	p	X
abrj-454	323	59	=	=	NOUN
abrj-454	323	60	0.036	0.036	NUM
abrj-454	323	61	)	)	PUNCT
abrj-454	323	62	.	.	PUNCT
abrj-454	324	1	furthermore	furthermore	ADV
abrj-454	324	2	,	,	PUNCT
abrj-454	324	3	the	the	DET
abrj-454	324	4	relationship	relationship	NOUN
abrj-454	324	5	between	between	ADP
abrj-454	324	6	trust	trust	NOUN
abrj-454	324	7	in	in	ADP
abrj-454	324	8	platform	platform	NOUN
abrj-454	324	9	and	and	CCONJ
abrj-454	324	10	platform	platform	NOUN
abrj-454	324	11	adoption	adoption	NOUN
abrj-454	324	12	was	be	AUX
abrj-454	324	13	stronger	strong	ADJ
abrj-454	324	14	for	for	ADP
abrj-454	324	15	older	old	ADJ
abrj-454	324	16	users	user	NOUN
abrj-454	324	17	(	(	PUNCT
abrj-454	324	18	β	β	X
abrj-454	324	19	=	=	PUNCT
abrj-454	324	20	0.382	0.382	NUM
abrj-454	324	21	,	,	PUNCT
abrj-454	324	22	p	p	X
abrj-454	324	23	<	<	X
abrj-454	324	24	0.001	0.001	NUM
abrj-454	324	25	)	)	PUNCT
abrj-454	324	26	compared	compare	VERB
abrj-454	324	27	to	to	ADP
abrj-454	324	28	younger	young	ADJ
abrj-454	324	29	users	user	NOUN
abrj-454	324	30	(	(	PUNCT
abrj-454	324	31	β	β	X
abrj-454	324	32	=	=	SYM
abrj-454	324	33	0.284	0.284	NUM
abrj-454	324	34	,	,	PUNCT
abrj-454	324	35	p	p	X
abrj-454	324	36	<	<	X
abrj-454	324	37	0.001	0.001	NUM
abrj-454	324	38	)	)	PUNCT
abrj-454	324	39	,	,	PUNCT
abrj-454	324	40	with	with	SCONJ
abrj-454	324	41	the	the	DET
abrj-454	324	42	difference	difference	NOUN
abrj-454	324	43	statistically	statistically	ADV
abrj-454	324	44	significant	significant	ADJ
abrj-454	324	45	(	(	PUNCT
abrj-454	324	46	p	p	X
abrj-454	324	47	=	=	NOUN
abrj-454	324	48	0.048	0.048	NUM
abrj-454	324	49	)	)	PUNCT
abrj-454	324	50	.	.	PUNCT
abrj-454	325	1	the	the	DET
abrj-454	325	2	location	location	NOUN
abrj-454	325	3	-	-	PUNCT
abrj-454	325	4	based	base	VERB
abrj-454	325	5	mga	mga	PROPN
abrj-454	325	6	revealed	reveal	VERB
abrj-454	325	7	significant	significant	ADJ
abrj-454	325	8	differences	difference	NOUN
abrj-454	325	9	in	in	ADP
abrj-454	325	10	the	the	DET
abrj-454	325	11	relationship	relationship	NOUN
abrj-454	325	12	between	between	ADP
abrj-454	325	13	financial	financial	ADJ
abrj-454	325	14	knowledge	knowledge	NOUN
abrj-454	325	15	and	and	CCONJ
abrj-454	325	16	trust	trust	NOUN
abrj-454	325	17	in	in	ADP
abrj-454	325	18	platform	platform	NOUN
abrj-454	325	19	,	,	PUNCT
abrj-454	325	20	with	with	ADP
abrj-454	325	21	a	a	DET
abrj-454	325	22	stronger	strong	ADJ
abrj-454	325	23	positive	positive	ADJ
abrj-454	325	24	effect	effect	NOUN
abrj-454	325	25	for	for	ADP
abrj-454	325	26	urban	urban	ADJ
abrj-454	325	27	users	user	NOUN
abrj-454	325	28	(	(	PUNCT
abrj-454	325	29	β	β	X
abrj-454	325	30	=	=	PUNCT
abrj-454	325	31	0.276	0.276	NUM
abrj-454	325	32	,	,	PUNCT
abrj-454	325	33	p	p	X
abrj-454	325	34	<	<	X
abrj-454	325	35	0.001	0.001	NUM
abrj-454	325	36	)	)	PUNCT
abrj-454	325	37	compared	compare	VERB
abrj-454	325	38	to	to	ADP
abrj-454	325	39	rural	rural	ADJ
abrj-454	325	40	users	user	NOUN
abrj-454	325	41	(	(	PUNCT
abrj-454	325	42	β	β	X
abrj-454	325	43	=	=	SYM
abrj-454	325	44	0.183	0.183	NUM
abrj-454	325	45	,	,	PUNCT
abrj-454	325	46	p	p	X
abrj-454	325	47	=	=	NOUN
abrj-454	325	48	0.002	0.002	NUM
abrj-454	325	49	)	)	PUNCT
abrj-454	325	50	,	,	PUNCT
abrj-454	325	51	with	with	SCONJ
abrj-454	325	52	the	the	DET
abrj-454	325	53	difference	difference	NOUN
abrj-454	325	54	statistically	statistically	ADV
abrj-454	325	55	significant	significant	ADJ
abrj-454	325	56	(	(	PUNCT
abrj-454	325	57	p	p	X
abrj-454	325	58	=	=	NOUN
abrj-454	325	59	0.039	0.039	NUM
abrj-454	325	60	)	)	PUNCT
abrj-454	325	61	.	.	PUNCT
abrj-454	326	1	additionally	additionally	ADV
abrj-454	326	2	,	,	PUNCT
abrj-454	326	3	the	the	DET
abrj-454	326	4	relationship	relationship	NOUN
abrj-454	326	5	between	between	ADP
abrj-454	326	6	perceived	perceive	VERB
abrj-454	326	7	risk	risk	NOUN
abrj-454	326	8	and	and	CCONJ
abrj-454	326	9	platform	platform	NOUN
abrj-454	326	10	adoption	adoption	NOUN
abrj-454	326	11	demonstrated	demonstrate	VERB
abrj-454	326	12	a	a	DET
abrj-454	326	13	stronger	strong	ADJ
abrj-454	326	14	negative	negative	ADJ
abrj-454	326	15	effect	effect	NOUN
abrj-454	326	16	for	for	ADP
abrj-454	326	17	rural	rural	ADJ
abrj-454	326	18	users	user	NOUN
abrj-454	326	19	(	(	PUNCT
abrj-454	326	20	β	β	X
abrj-454	326	21	=	=	SYM
abrj-454	326	22	-0.412	-0.412	PROPN
abrj-454	326	23	,	,	PUNCT
abrj-454	326	24	p	p	X
abrj-454	326	25	<	<	X
abrj-454	326	26	0.001	0.001	NUM
abrj-454	326	27	)	)	PUNCT
abrj-454	326	28	compared	compare	VERB
abrj-454	326	29	to	to	ADP
abrj-454	326	30	urban	urban	ADJ
abrj-454	326	31	users	user	NOUN
abrj-454	326	32	(	(	PUNCT
abrj-454	326	33	β	β	X
abrj-454	326	34	=	=	SYM
abrj-454	326	35	-0.329	-0.329	PROPN
abrj-454	326	36	,	,	PUNCT
abrj-454	326	37	p	p	X
abrj-454	326	38	<	<	X
abrj-454	326	39	0.001	0.001	NUM
abrj-454	326	40	)	)	PUNCT
abrj-454	326	41	,	,	PUNCT
abrj-454	326	42	with	with	SCONJ
abrj-454	326	43	the	the	DET
abrj-454	326	44	difference	difference	NOUN
abrj-454	326	45	statistically	statistically	ADV
abrj-454	326	46	significant	significant	ADJ
abrj-454	326	47	(	(	PUNCT
abrj-454	326	48	p	p	X
abrj-454	326	49	=	=	NOUN
abrj-454	326	50	0.044	0.044	NUM
abrj-454	326	51	)	)	PUNCT
abrj-454	326	52	.	.	PUNCT
abrj-454	327	1	4.3.2	4.3.2	X
abrj-454	327	2	.	.	PUNCT
abrj-454	327	3	fuzzy	fuzzy	ADJ
abrj-454	327	4	-	-	PUNCT
abrj-454	327	5	set	set	VERB
abrj-454	327	6	qualitative	qualitative	ADJ
abrj-454	327	7	comparative	comparative	ADJ
abrj-454	327	8	analysis	analysis	NOUN
abrj-454	327	9	the	the	DET
abrj-454	327	10	fsqca	fsqca	NOUN
abrj-454	327	11	identified	identify	VERB
abrj-454	327	12	multiple	multiple	ADJ
abrj-454	327	13	configurational	configurational	ADJ
abrj-454	327	14	pathways	pathway	NOUN
abrj-454	327	15	leading	lead	VERB
abrj-454	327	16	to	to	ADP
abrj-454	327	17	high	high	ADJ
abrj-454	327	18	platform	platform	NOUN
abrj-454	327	19	adoption	adoption	NOUN
abrj-454	327	20	,	,	PUNCT
abrj-454	327	21	complementing	complement	VERB
abrj-454	327	22	the	the	DET
abrj-454	327	23	symmetrical	symmetrical	ADJ
abrj-454	327	24	,	,	PUNCT
abrj-454	327	25	net	net	ADJ
abrj-454	327	26	-	-	PUNCT
abrj-454	327	27	effects	effect	NOUN
abrj-454	327	28	perspective	perspective	NOUN
abrj-454	327	29	of	of	ADP
abrj-454	327	30	pls	pls	NOUN
abrj-454	327	31	-	-	PUNCT
abrj-454	327	32	sem	sem	NOUN
abrj-454	327	33	with	with	ADP
abrj-454	327	34	an	an	DET
abrj-454	327	35	asymmetrical	asymmetrical	ADJ
abrj-454	327	36	,	,	PUNCT
abrj-454	327	37	configurational	configurational	ADJ
abrj-454	327	38	perspective	perspective	NOUN
abrj-454	327	39	.	.	PUNCT
abrj-454	328	1	table	table	NOUN
abrj-454	328	2	7	7	NUM
abrj-454	328	3	presents	present	VERB
abrj-454	328	4	the	the	DET
abrj-454	328	5	complex	complex	ADJ
abrj-454	328	6	solution	solution	NOUN
abrj-454	328	7	derived	derive	VERB
abrj-454	328	8	from	from	ADP
abrj-454	328	9	the	the	DET
abrj-454	328	10	truth	truth	NOUN
abrj-454	328	11	table	table	NOUN
abrj-454	328	12	analysis	analysis	NOUN
abrj-454	328	13	,	,	PUNCT
abrj-454	328	14	identifying	identify	VERB
abrj-454	328	15	four	four	NUM
abrj-454	328	16	configurations	configuration	NOUN
abrj-454	328	17	sufficient	sufficient	ADJ
abrj-454	328	18	for	for	ADP
abrj-454	328	19	high	high	ADJ
abrj-454	328	20	platform	platform	NOUN
abrj-454	328	21	adoption	adoption	NOUN
abrj-454	328	22	.	.	PUNCT
abrj-454	329	1	the	the	DET
abrj-454	329	2	overall	overall	ADJ
abrj-454	329	3	solution	solution	NOUN
abrj-454	329	4	demonstrates	demonstrate	VERB
abrj-454	329	5	satisfactory	satisfactory	ADJ
abrj-454	329	6	consistency	consistency	NOUN
abrj-454	329	7	(	(	PUNCT
abrj-454	329	8	0.848	0.848	NUM
abrj-454	329	9	)	)	PUNCT
abrj-454	329	10	and	and	CCONJ
abrj-454	329	11	coverage	coverage	NOUN
abrj-454	329	12	(	(	PUNCT
abrj-454	329	13	0.783	0.783	NUM
abrj-454	329	14	)	)	PUNCT
abrj-454	329	15	,	,	PUNCT
abrj-454	329	16	indicating	indicate	VERB
abrj-454	329	17	both	both	CCONJ
abrj-454	329	18	theoretical	theoretical	ADJ
abrj-454	329	19	validity	validity	NOUN
abrj-454	329	20	and	and	CCONJ
abrj-454	329	21	empirical	empirical	ADJ
abrj-454	329	22	relevance	relevance	NOUN
abrj-454	329	23	.	.	PUNCT
abrj-454	330	1	asian	asian	ADJ
abrj-454	330	2	business	business	PROPN
abrj-454	330	3	research	research	NOUN
abrj-454	330	4	journal	journal	NOUN
abrj-454	330	5	,	,	PUNCT
abrj-454	330	6	2025	2025	NUM
abrj-454	330	7	,	,	PUNCT
abrj-454	330	8	10(5	10(5	NUM
abrj-454	330	9	):	):	PUNCT
abrj-454	330	10	106	106	NUM
abrj-454	330	11	-	-	SYM
abrj-454	330	12	119	119	NUM
abrj-454	330	13	116	116	NUM
abrj-454	330	14	©	©	PROPN
abrj-454	330	15	2025	2025	NUM
abrj-454	330	16	by	by	ADP
abrj-454	330	17	the	the	DET
abrj-454	330	18	author	author	NOUN
abrj-454	330	19	;	;	PUNCT
abrj-454	330	20	licensee	licensee	NOUN
abrj-454	330	21	eastern	eastern	ADJ
abrj-454	330	22	centre	centre	NOUN
abrj-454	330	23	of	of	ADP
abrj-454	330	24	science	science	NOUN
abrj-454	330	25	and	and	CCONJ
abrj-454	330	26	education	education	NOUN
abrj-454	330	27	,	,	PUNCT
abrj-454	330	28	usa	usa	PROPN
abrj-454	330	29	table	table	NOUN
abrj-454	330	30	7	7	NUM
abrj-454	330	31	.	.	PUNCT
abrj-454	330	32	fsqca	fsqca	NOUN
abrj-454	330	33	complex	complex	ADJ
abrj-454	330	34	solution	solution	NOUN
abrj-454	330	35	for	for	ADP
abrj-454	330	36	high	high	ADJ
abrj-454	330	37	platform	platform	NOUN
abrj-454	330	38	adoption	adoption	NOUN
abrj-454	330	39	.	.	PUNCT
abrj-454	331	1	configuration	configuration	NOUN
abrj-454	331	2	core	core	NOUN
abrj-454	331	3	conditions	condition	NOUN
abrj-454	331	4	peripheral	peripheral	ADJ
abrj-454	331	5	conditions	condition	NOUN
abrj-454	331	6	raw	raw	ADJ
abrj-454	331	7	coverage	coverage	NOUN
abrj-454	331	8	unique	unique	ADJ
abrj-454	331	9	coverage	coverage	NOUN
abrj-454	331	10	consistency	consistency	NOUN
abrj-454	331	11	1	1	NUM
abrj-454	331	12	fk•fb•~pr	fk•fb•~pr	NOUN
abrj-454	331	13	fa•se•age•~inc	fa•se•age•~inc	NOUN
abrj-454	331	14	0.427	0.427	NUM
abrj-454	331	15	0.118	0.118	NUM
abrj-454	331	16	0.873	0.873	NUM
abrj-454	331	17	2	2	NUM
abrj-454	331	18	fk•fb•tp	fk•fb•tp	NOUN
abrj-454	331	19	~fa•se•~age•inc	~fa•se•~age•inc	ADP
abrj-454	331	20	0.386	0.386	NUM
abrj-454	331	21	0.092	0.092	NUM
abrj-454	331	22	0.892	0.892	NUM
abrj-454	331	23	3	3	NUM
abrj-454	331	24	fk•fa•~pr•tp	fk•fa•~pr•tp	NOUN
abrj-454	331	25	~fb•se•age•inc	~fb•se•age•inc	NOUN
abrj-454	331	26	0.342	0.342	NUM
abrj-454	331	27	0.081	0.081	NUM
abrj-454	331	28	0.864	0.864	NUM
abrj-454	331	29	4	4	NUM
abrj-454	331	30	fa•~fb•~pr•tp•se	fa•~fb•~pr•tp•se	PROPN
abrj-454	331	31	fk•~age•inc	fk•~age•inc	NOUN
abrj-454	331	32	0.316	0.316	NUM
abrj-454	331	33	0.069	0.069	NUM
abrj-454	331	34	0.851	0.851	NUM
abrj-454	331	35	note	note	NOUN
abrj-454	331	36	:	:	PUNCT
abrj-454	331	37	capital	capital	NOUN
abrj-454	331	38	letters	letter	NOUN
abrj-454	331	39	indicate	indicate	VERB
abrj-454	331	40	the	the	DET
abrj-454	331	41	presence	presence	NOUN
abrj-454	331	42	of	of	ADP
abrj-454	331	43	a	a	DET
abrj-454	331	44	condition	condition	NOUN
abrj-454	331	45	,	,	PUNCT
abrj-454	331	46	lowercase	lowercase	NOUN
abrj-454	331	47	letters	letter	NOUN
abrj-454	331	48	indicate	indicate	VERB
abrj-454	331	49	its	its	PRON
abrj-454	331	50	absence	absence	NOUN
abrj-454	331	51	,	,	PUNCT
abrj-454	331	52	and	and	CCONJ
abrj-454	331	53	"	"	PUNCT
abrj-454	331	54	~	~	PUNCT
abrj-454	331	55	"	"	PUNCT
abrj-454	331	56	indicates	indicate	VERB
abrj-454	331	57	negation	negation	NOUN
abrj-454	331	58	.	.	PUNCT
abrj-454	332	1	fk	fk	INTJ
abrj-454	332	2	=	=	PUNCT
abrj-454	332	3	financial	financial	ADJ
abrj-454	332	4	knowledge	knowledge	NOUN
abrj-454	332	5	,	,	PUNCT
abrj-454	332	6	fa	fa	NOUN
abrj-454	332	7	=	=	SYM
abrj-454	332	8	financial	financial	ADJ
abrj-454	332	9	attitudes	attitude	NOUN
abrj-454	332	10	,	,	PUNCT
abrj-454	332	11	fb	fb	NOUN
abrj-454	332	12	=	=	ADJ
abrj-454	332	13	financial	financial	ADJ
abrj-454	332	14	behaviour	behaviour	NOUN
abrj-454	332	15	,	,	PUNCT
abrj-454	332	16	pr	pr	NOUN
abrj-454	332	17	=	=	SYM
abrj-454	332	18	perceived	perceive	VERB
abrj-454	332	19	risk	risk	NOUN
abrj-454	332	20	,	,	PUNCT
abrj-454	332	21	tp	tp	ADP
abrj-454	332	22	=	=	PUNCT
abrj-454	332	23	trust	trust	NOUN
abrj-454	332	24	in	in	ADP
abrj-454	332	25	platform	platform	NOUN
abrj-454	332	26	,	,	PUNCT
abrj-454	332	27	se	se	X
abrj-454	332	28	=	=	SYM
abrj-454	332	29	financial	financial	ADJ
abrj-454	332	30	self	self	NOUN
abrj-454	332	31	-	-	PUNCT
abrj-454	332	32	efficacy	efficacy	NOUN
abrj-454	332	33	,	,	PUNCT
abrj-454	332	34	age	age	NOUN
abrj-454	332	35	=	=	SYM
abrj-454	332	36	age	age	NOUN
abrj-454	332	37	(	(	PUNCT
abrj-454	332	38	above	above	ADP
abrj-454	332	39	35	35	NUM
abrj-454	332	40	)	)	PUNCT
abrj-454	332	41	,	,	PUNCT
abrj-454	332	42	inc	inc	PROPN
abrj-454	332	43	=	=	PROPN
abrj-454	332	44	high	high	ADJ
abrj-454	332	45	income	income	NOUN
abrj-454	332	46	.	.	PUNCT
abrj-454	333	1	overall	overall	ADJ
abrj-454	333	2	solution	solution	NOUN
abrj-454	333	3	consistency	consistency	NOUN
abrj-454	333	4	:	:	PUNCT
abrj-454	333	5	0.848	0.848	NUM
abrj-454	333	6	;	;	PUNCT
abrj-454	333	7	overall	overall	ADJ
abrj-454	333	8	solution	solution	NOUN
abrj-454	333	9	coverage	coverage	NOUN
abrj-454	333	10	:	:	PUNCT
abrj-454	333	11	0.783	0.783	NUM
abrj-454	333	12	.	.	PUNCT
abrj-454	334	1	the	the	DET
abrj-454	334	2	first	first	ADJ
abrj-454	334	3	configuration	configuration	NOUN
abrj-454	334	4	combines	combine	VERB
abrj-454	334	5	high	high	ADJ
abrj-454	334	6	financial	financial	ADJ
abrj-454	334	7	knowledge	knowledge	NOUN
abrj-454	334	8	,	,	PUNCT
abrj-454	334	9	high	high	ADJ
abrj-454	334	10	financial	financial	ADJ
abrj-454	334	11	behaviour	behaviour	NOUN
abrj-454	334	12	,	,	PUNCT
abrj-454	334	13	low	low	ADJ
abrj-454	334	14	perceived	perceive	VERB
abrj-454	334	15	risk	risk	NOUN
abrj-454	334	16	,	,	PUNCT
abrj-454	334	17	low	low	ADJ
abrj-454	334	18	financial	financial	ADJ
abrj-454	334	19	attitudes	attitude	NOUN
abrj-454	334	20	,	,	PUNCT
abrj-454	334	21	high	high	ADJ
abrj-454	334	22	financial	financial	ADJ
abrj-454	334	23	self	self	NOUN
abrj-454	334	24	-	-	PUNCT
abrj-454	334	25	efficacy	efficacy	NOUN
abrj-454	334	26	,	,	PUNCT
abrj-454	334	27	older	old	ADJ
abrj-454	334	28	age	age	NOUN
abrj-454	334	29	,	,	PUNCT
abrj-454	334	30	and	and	CCONJ
abrj-454	334	31	lower	low	ADJ
abrj-454	334	32	income	income	NOUN
abrj-454	334	33	.	.	PUNCT
abrj-454	335	1	this	this	DET
abrj-454	335	2	configuration	configuration	NOUN
abrj-454	335	3	demonstrated	demonstrate	VERB
abrj-454	335	4	the	the	DET
abrj-454	335	5	highest	high	ADJ
abrj-454	335	6	raw	raw	ADJ
abrj-454	335	7	coverage	coverage	NOUN
abrj-454	335	8	(	(	PUNCT
abrj-454	335	9	0.427	0.427	NUM
abrj-454	335	10	)	)	PUNCT
abrj-454	335	11	,	,	PUNCT
abrj-454	335	12	suggesting	suggest	VERB
abrj-454	335	13	its	its	PRON
abrj-454	335	14	empirical	empirical	ADJ
abrj-454	335	15	prevalence	prevalence	NOUN
abrj-454	335	16	within	within	ADP
abrj-454	335	17	the	the	DET
abrj-454	335	18	sample	sample	NOUN
abrj-454	335	19	.	.	PUNCT
abrj-454	336	1	the	the	DET
abrj-454	336	2	second	second	ADJ
abrj-454	336	3	configuration	configuration	NOUN
abrj-454	336	4	combines	combine	VERB
abrj-454	336	5	high	high	ADJ
abrj-454	336	6	financial	financial	ADJ
abrj-454	336	7	knowledge	knowledge	NOUN
abrj-454	336	8	,	,	PUNCT
abrj-454	336	9	high	high	ADJ
abrj-454	336	10	financial	financial	ADJ
abrj-454	336	11	behaviour	behaviour	NOUN
abrj-454	336	12	,	,	PUNCT
abrj-454	336	13	high	high	ADJ
abrj-454	336	14	trust	trust	NOUN
abrj-454	336	15	in	in	ADP
abrj-454	336	16	platform	platform	NOUN
abrj-454	336	17	,	,	PUNCT
abrj-454	336	18	low	low	ADJ
abrj-454	336	19	financial	financial	ADJ
abrj-454	336	20	attitudes	attitude	NOUN
abrj-454	336	21	,	,	PUNCT
abrj-454	336	22	low	low	ADJ
abrj-454	336	23	financial	financial	ADJ
abrj-454	336	24	self	self	NOUN
abrj-454	336	25	-	-	PUNCT
abrj-454	336	26	efficacy	efficacy	NOUN
abrj-454	336	27	,	,	PUNCT
abrj-454	336	28	younger	young	ADJ
abrj-454	336	29	age	age	NOUN
abrj-454	336	30	,	,	PUNCT
abrj-454	336	31	and	and	CCONJ
abrj-454	336	32	higher	high	ADJ
abrj-454	336	33	income	income	NOUN
abrj-454	336	34	.	.	PUNCT
abrj-454	337	1	the	the	DET
abrj-454	337	2	third	third	ADJ
abrj-454	337	3	configuration	configuration	NOUN
abrj-454	337	4	combines	combine	VERB
abrj-454	337	5	high	high	ADJ
abrj-454	337	6	financial	financial	ADJ
abrj-454	337	7	knowledge	knowledge	NOUN
abrj-454	337	8	,	,	PUNCT
abrj-454	337	9	high	high	ADJ
abrj-454	337	10	financial	financial	ADJ
abrj-454	337	11	attitudes	attitude	NOUN
abrj-454	337	12	,	,	PUNCT
abrj-454	337	13	low	low	ADJ
abrj-454	337	14	perceived	perceive	VERB
abrj-454	337	15	risk	risk	NOUN
abrj-454	337	16	,	,	PUNCT
abrj-454	337	17	high	high	ADJ
abrj-454	337	18	trust	trust	NOUN
abrj-454	337	19	in	in	ADP
abrj-454	337	20	platform	platform	NOUN
abrj-454	337	21	,	,	PUNCT
abrj-454	337	22	low	low	ADJ
abrj-454	337	23	financial	financial	ADJ
abrj-454	337	24	behaviour	behaviour	NOUN
abrj-454	337	25	,	,	PUNCT
abrj-454	337	26	low	low	ADJ
abrj-454	337	27	financial	financial	ADJ
abrj-454	337	28	self	self	NOUN
abrj-454	337	29	-	-	PUNCT
abrj-454	337	30	efficacy	efficacy	NOUN
abrj-454	337	31	,	,	PUNCT
abrj-454	337	32	older	old	ADJ
abrj-454	337	33	age	age	NOUN
abrj-454	337	34	,	,	PUNCT
abrj-454	337	35	and	and	CCONJ
abrj-454	337	36	higher	high	ADJ
abrj-454	337	37	income	income	NOUN
abrj-454	337	38	.	.	PUNCT
abrj-454	338	1	the	the	DET
abrj-454	338	2	fourth	fourth	ADJ
abrj-454	338	3	configuration	configuration	NOUN
abrj-454	338	4	represents	represent	VERB
abrj-454	338	5	an	an	DET
abrj-454	338	6	alternative	alternative	ADJ
abrj-454	338	7	pathway	pathway	NOUN
abrj-454	338	8	combining	combine	VERB
abrj-454	338	9	low	low	ADJ
abrj-454	338	10	financial	financial	ADJ
abrj-454	338	11	attitudes	attitude	NOUN
abrj-454	338	12	,	,	PUNCT
abrj-454	338	13	low	low	ADJ
abrj-454	338	14	financial	financial	ADJ
abrj-454	338	15	behaviour	behaviour	NOUN
abrj-454	338	16	,	,	PUNCT
abrj-454	338	17	low	low	ADJ
abrj-454	338	18	perceived	perceive	VERB
abrj-454	338	19	risk	risk	NOUN
abrj-454	338	20	,	,	PUNCT
abrj-454	338	21	high	high	ADJ
abrj-454	338	22	trust	trust	NOUN
abrj-454	338	23	in	in	ADP
abrj-454	338	24	platform	platform	NOUN
abrj-454	338	25	,	,	PUNCT
abrj-454	338	26	high	high	ADJ
abrj-454	338	27	financial	financial	ADJ
abrj-454	338	28	self	self	NOUN
abrj-454	338	29	-	-	PUNCT
abrj-454	338	30	efficacy	efficacy	NOUN
abrj-454	338	31	,	,	PUNCT
abrj-454	338	32	high	high	ADJ
abrj-454	338	33	financial	financial	ADJ
abrj-454	338	34	knowledge	knowledge	NOUN
abrj-454	338	35	,	,	PUNCT
abrj-454	338	36	younger	young	ADJ
abrj-454	338	37	age	age	NOUN
abrj-454	338	38	,	,	PUNCT
abrj-454	338	39	and	and	CCONJ
abrj-454	338	40	higher	high	ADJ
abrj-454	338	41	income	income	NOUN
abrj-454	338	42	.	.	PUNCT
abrj-454	339	1	these	these	DET
abrj-454	339	2	configurational	configurational	ADJ
abrj-454	339	3	findings	finding	NOUN
abrj-454	339	4	reveal	reveal	VERB
abrj-454	339	5	equifinal	equifinal	ADJ
abrj-454	339	6	pathways	pathway	NOUN
abrj-454	339	7	to	to	ADP
abrj-454	339	8	platform	platform	NOUN
abrj-454	339	9	adoption	adoption	NOUN
abrj-454	339	10	,	,	PUNCT
abrj-454	339	11	demonstrating	demonstrate	VERB
abrj-454	339	12	how	how	SCONJ
abrj-454	339	13	different	different	ADJ
abrj-454	339	14	combinations	combination	NOUN
abrj-454	339	15	of	of	ADP
abrj-454	339	16	financial	financial	ADJ
abrj-454	339	17	literacy	literacy	NOUN
abrj-454	339	18	dimensions	dimension	NOUN
abrj-454	339	19	,	,	PUNCT
abrj-454	339	20	psychological	psychological	ADJ
abrj-454	339	21	factors	factor	NOUN
abrj-454	339	22	,	,	PUNCT
abrj-454	339	23	and	and	CCONJ
abrj-454	339	24	demographic	demographic	ADJ
abrj-454	339	25	characteristics	characteristic	NOUN
abrj-454	339	26	can	can	AUX
abrj-454	339	27	produce	produce	VERB
abrj-454	339	28	similar	similar	ADJ
abrj-454	339	29	behavioural	behavioural	ADJ
abrj-454	339	30	outcomes	outcome	NOUN
abrj-454	339	31	.	.	PUNCT
abrj-454	340	1	notably	notably	ADV
abrj-454	340	2	,	,	PUNCT
abrj-454	340	3	high	high	ADJ
abrj-454	340	4	financial	financial	ADJ
abrj-454	340	5	knowledge	knowledge	NOUN
abrj-454	340	6	appears	appear	VERB
abrj-454	340	7	as	as	ADP
abrj-454	340	8	a	a	DET
abrj-454	340	9	core	core	NOUN
abrj-454	340	10	condition	condition	NOUN
abrj-454	340	11	in	in	ADP
abrj-454	340	12	three	three	NUM
abrj-454	340	13	of	of	ADP
abrj-454	340	14	the	the	DET
abrj-454	340	15	four	four	NUM
abrj-454	340	16	configurations	configuration	NOUN
abrj-454	340	17	,	,	PUNCT
abrj-454	340	18	suggesting	suggest	VERB
abrj-454	340	19	its	its	PRON
abrj-454	340	20	centrality	centrality	NOUN
abrj-454	340	21	within	within	ADP
abrj-454	340	22	the	the	DET
abrj-454	340	23	causal	causal	ADJ
abrj-454	340	24	pathways	pathway	NOUN
abrj-454	340	25	,	,	PUNCT
abrj-454	340	26	while	while	SCONJ
abrj-454	340	27	financial	financial	ADJ
abrj-454	340	28	attitudes	attitude	NOUN
abrj-454	340	29	demonstrates	demonstrate	VERB
abrj-454	340	30	greater	great	ADJ
abrj-454	340	31	causal	causal	ADJ
abrj-454	340	32	complexity	complexity	NOUN
abrj-454	340	33	,	,	PUNCT
abrj-454	340	34	appearing	appear	VERB
abrj-454	340	35	as	as	ADP
abrj-454	340	36	both	both	CCONJ
abrj-454	340	37	a	a	DET
abrj-454	340	38	present	present	ADJ
abrj-454	340	39	and	and	CCONJ
abrj-454	340	40	absent	absent	ADJ
abrj-454	340	41	condition	condition	NOUN
abrj-454	340	42	across	across	ADP
abrj-454	340	43	different	different	ADJ
abrj-454	340	44	configurations	configuration	NOUN
abrj-454	340	45	.	.	PUNCT
abrj-454	341	1	4.3.3	4.3.3	X
abrj-454	341	2	.	.	PUNCT
abrj-454	341	3	simple	simple	ADJ
abrj-454	341	4	slope	slope	NOUN
abrj-454	341	5	analysis	analysis	NOUN
abrj-454	341	6	simple	simple	ADJ
abrj-454	341	7	slope	slope	NOUN
abrj-454	341	8	analysis	analysis	NOUN
abrj-454	341	9	was	be	AUX
abrj-454	341	10	conducted	conduct	VERB
abrj-454	341	11	to	to	PART
abrj-454	341	12	visualise	visualise	VERB
abrj-454	341	13	significant	significant	ADJ
abrj-454	341	14	moderation	moderation	NOUN
abrj-454	341	15	effects	effect	NOUN
abrj-454	341	16	identified	identify	VERB
abrj-454	341	17	in	in	ADP
abrj-454	341	18	the	the	DET
abrj-454	341	19	structural	structural	ADJ
abrj-454	341	20	model	model	NOUN
abrj-454	341	21	.	.	PUNCT
abrj-454	342	1	figure	figure	VERB
abrj-454	342	2	1	1	NUM
abrj-454	342	3	presents	present	VERB
abrj-454	342	4	the	the	DET
abrj-454	342	5	moderation	moderation	NOUN
abrj-454	342	6	effect	effect	NOUN
abrj-454	342	7	of	of	ADP
abrj-454	342	8	age	age	NOUN
abrj-454	342	9	on	on	ADP
abrj-454	342	10	the	the	DET
abrj-454	342	11	relationship	relationship	NOUN
abrj-454	342	12	between	between	ADP
abrj-454	342	13	financial	financial	ADJ
abrj-454	342	14	literacy	literacy	NOUN
abrj-454	342	15	and	and	CCONJ
abrj-454	342	16	perceived	perceive	VERB
abrj-454	342	17	risk	risk	NOUN
abrj-454	342	18	.	.	PUNCT
abrj-454	343	1	the	the	DET
abrj-454	343	2	analysis	analysis	NOUN
abrj-454	343	3	reveals	reveal	VERB
abrj-454	343	4	that	that	SCONJ
abrj-454	343	5	for	for	ADP
abrj-454	343	6	younger	young	ADJ
abrj-454	343	7	users	user	NOUN
abrj-454	343	8	(	(	PUNCT
abrj-454	343	9	age	age	NOUN
abrj-454	343	10	-1	-1	NOUN
abrj-454	343	11	sd	sd	NOUN
abrj-454	343	12	below	below	ADP
abrj-454	343	13	mean	mean	VERB
abrj-454	343	14	)	)	PUNCT
abrj-454	343	15	,	,	PUNCT
abrj-454	343	16	higher	high	ADJ
abrj-454	343	17	financial	financial	ADJ
abrj-454	343	18	literacy	literacy	NOUN
abrj-454	343	19	more	more	ADV
abrj-454	343	20	strongly	strongly	ADV
abrj-454	343	21	reduces	reduce	VERB
abrj-454	343	22	perceived	perceive	VERB
abrj-454	343	23	risk	risk	NOUN
abrj-454	343	24	compared	compare	VERB
abrj-454	343	25	to	to	ADP
abrj-454	343	26	older	old	ADJ
abrj-454	343	27	users	user	NOUN
abrj-454	343	28	(	(	PUNCT
abrj-454	343	29	age	age	NOUN
abrj-454	343	30	+1	+1	ADJ
abrj-454	343	31	sd	sd	NOUN
abrj-454	343	32	above	above	ADP
abrj-454	343	33	mean	mean	VERB
abrj-454	343	34	)	)	PUNCT
abrj-454	343	35	.	.	PUNCT
abrj-454	344	1	for	for	ADP
abrj-454	344	2	younger	young	ADJ
abrj-454	344	3	users	user	NOUN
abrj-454	344	4	,	,	PUNCT
abrj-454	344	5	the	the	DET
abrj-454	344	6	negative	negative	ADJ
abrj-454	344	7	relationship	relationship	NOUN
abrj-454	344	8	between	between	ADP
abrj-454	344	9	financial	financial	ADJ
abrj-454	344	10	literacy	literacy	NOUN
abrj-454	344	11	and	and	CCONJ
abrj-454	344	12	perceived	perceive	VERB
abrj-454	344	13	risk	risk	NOUN
abrj-454	344	14	is	be	AUX
abrj-454	344	15	stronger	strong	ADJ
abrj-454	344	16	(	(	PUNCT
abrj-454	344	17	simple	simple	ADJ
abrj-454	344	18	slope	slope	NOUN
abrj-454	344	19	=	=	PUNCT
abrj-454	344	20	-0.487	-0.487	NOUN
abrj-454	344	21	,	,	PUNCT
abrj-454	344	22	t	t	NOUN
abrj-454	344	23	=	=	PUNCT
abrj-454	344	24	9.432	9.432	NUM
abrj-454	344	25	,	,	PUNCT
abrj-454	344	26	p	p	X
abrj-454	344	27	<	<	X
abrj-454	344	28	0.001	0.001	NUM
abrj-454	344	29	)	)	PUNCT
abrj-454	344	30	compared	compare	VERB
abrj-454	344	31	to	to	ADP
abrj-454	344	32	older	old	ADJ
abrj-454	344	33	users	user	NOUN
abrj-454	344	34	(	(	PUNCT
abrj-454	344	35	simple	simple	ADJ
abrj-454	344	36	slope	slope	NOUN
abrj-454	344	37	=	=	SYM
abrj-454	344	38	-0.329	-0.329	PROPN
abrj-454	344	39	,	,	PUNCT
abrj-454	344	40	t	t	NOUN
abrj-454	344	41	=	=	PUNCT
abrj-454	344	42	6.127	6.127	NUM
abrj-454	344	43	,	,	PUNCT
abrj-454	344	44	p	p	X
abrj-454	344	45	<	<	X
abrj-454	344	46	0.001	0.001	NUM
abrj-454	344	47	)	)	PUNCT
abrj-454	344	48	.	.	PUNCT
abrj-454	345	1	similarly	similarly	ADV
abrj-454	345	2	,	,	PUNCT
abrj-454	345	3	simple	simple	ADJ
abrj-454	345	4	slope	slope	NOUN
abrj-454	345	5	analysis	analysis	NOUN
abrj-454	345	6	for	for	ADP
abrj-454	345	7	the	the	DET
abrj-454	345	8	moderating	moderate	VERB
abrj-454	345	9	effect	effect	NOUN
abrj-454	345	10	of	of	ADP
abrj-454	345	11	prior	prior	ADJ
abrj-454	345	12	digital	digital	ADJ
abrj-454	345	13	banking	banking	NOUN
abrj-454	345	14	experience	experience	NOUN
abrj-454	345	15	on	on	ADP
abrj-454	345	16	the	the	DET
abrj-454	345	17	relationship	relationship	NOUN
abrj-454	345	18	between	between	ADP
abrj-454	345	19	financial	financial	ADJ
abrj-454	345	20	literacy	literacy	NOUN
abrj-454	345	21	and	and	CCONJ
abrj-454	345	22	financial	financial	ADJ
abrj-454	345	23	self	self	NOUN
abrj-454	345	24	-	-	PUNCT
abrj-454	345	25	efficacy	efficacy	NOUN
abrj-454	345	26	revealed	reveal	VERB
abrj-454	345	27	that	that	SCONJ
abrj-454	345	28	for	for	ADP
abrj-454	345	29	users	user	NOUN
abrj-454	345	30	with	with	ADP
abrj-454	345	31	higher	high	ADJ
abrj-454	345	32	digital	digital	ADJ
abrj-454	345	33	banking	banking	NOUN
abrj-454	345	34	experience	experience	NOUN
abrj-454	345	35	(	(	PUNCT
abrj-454	345	36	+1	+1	PROPN
abrj-454	345	37	sd	sd	NOUN
abrj-454	345	38	)	)	PUNCT
abrj-454	345	39	,	,	PUNCT
abrj-454	345	40	the	the	DET
abrj-454	345	41	positive	positive	ADJ
abrj-454	345	42	relationship	relationship	NOUN
abrj-454	345	43	between	between	ADP
abrj-454	345	44	financial	financial	ADJ
abrj-454	345	45	literacy	literacy	NOUN
abrj-454	345	46	and	and	CCONJ
abrj-454	345	47	financial	financial	ADJ
abrj-454	345	48	self	self	NOUN
abrj-454	345	49	-	-	PUNCT
abrj-454	345	50	efficacy	efficacy	NOUN
abrj-454	345	51	is	be	AUX
abrj-454	345	52	stronger	strong	ADJ
abrj-454	345	53	(	(	PUNCT
abrj-454	345	54	simple	simple	ADJ
abrj-454	345	55	slope	slope	NOUN
abrj-454	345	56	=	=	NOUN
abrj-454	345	57	0.621	0.621	NUM
abrj-454	345	58	,	,	PUNCT
abrj-454	345	59	t	t	PROPN
abrj-454	345	60	=	=	SYM
abrj-454	345	61	14.328	14.328	NUM
abrj-454	345	62	,	,	PUNCT
abrj-454	345	63	p	p	X
abrj-454	345	64	<	<	X
abrj-454	345	65	0.001	0.001	NUM
abrj-454	345	66	)	)	PUNCT
abrj-454	345	67	compared	compare	VERB
abrj-454	345	68	to	to	ADP
abrj-454	345	69	users	user	NOUN
abrj-454	345	70	with	with	ADP
abrj-454	345	71	lower	low	ADJ
abrj-454	345	72	digital	digital	ADJ
abrj-454	345	73	banking	banking	NOUN
abrj-454	345	74	experience	experience	NOUN
abrj-454	345	75	(	(	PUNCT
abrj-454	345	76	-1	-1	INTJ
abrj-454	345	77	sd	sd	NOUN
abrj-454	345	78	)	)	PUNCT
abrj-454	345	79	(	(	PUNCT
abrj-454	345	80	simple	simple	ADJ
abrj-454	345	81	slope	slope	NOUN
abrj-454	345	82	=	=	NUM
abrj-454	345	83	0.428	0.428	NUM
abrj-454	345	84	,	,	PUNCT
abrj-454	345	85	t	t	NOUN
abrj-454	345	86	=	=	PUNCT
abrj-454	345	87	8.743	8.743	NUM
abrj-454	345	88	,	,	PUNCT
abrj-454	345	89	p	p	X
abrj-454	345	90	<	<	X
abrj-454	345	91	0.001	0.001	NUM
abrj-454	345	92	)	)	PUNCT
abrj-454	345	93	.	.	PUNCT
abrj-454	346	1	5	5	X
abrj-454	346	2	.	.	X
abrj-454	346	3	discussion	discussion	NOUN
abrj-454	346	4	of	of	ADP
abrj-454	346	5	research	research	NOUN
abrj-454	346	6	results	result	NOUN
abrj-454	346	7	and	and	CCONJ
abrj-454	346	8	conclusions	conclusion	NOUN
abrj-454	346	9	this	this	DET
abrj-454	346	10	research	research	NOUN
abrj-454	346	11	examined	examine	VERB
abrj-454	346	12	the	the	DET
abrj-454	346	13	complex	complex	ADJ
abrj-454	346	14	interrelationship	interrelationship	NOUN
abrj-454	346	15	between	between	ADP
abrj-454	346	16	financial	financial	ADJ
abrj-454	346	17	literacy	literacy	NOUN
abrj-454	346	18	and	and	CCONJ
abrj-454	346	19	consumer	consumer	NOUN
abrj-454	346	20	decisionmaking	decisionmaking	NOUN
abrj-454	346	21	within	within	ADP
abrj-454	346	22	vietnam	vietnam	PROPN
abrj-454	346	23	's	's	PART
abrj-454	346	24	emergent	emergent	ADJ
abrj-454	346	25	peer	peer	NOUN
abrj-454	346	26	-	-	PUNCT
abrj-454	346	27	to	to	ADP
abrj-454	346	28	-	-	PUNCT
abrj-454	346	29	peer	peer	NOUN
abrj-454	346	30	lending	lending	NOUN
abrj-454	346	31	ecosystem	ecosystem	NOUN
abrj-454	346	32	,	,	PUNCT
abrj-454	346	33	yielding	yield	VERB
abrj-454	346	34	insights	insight	NOUN
abrj-454	346	35	that	that	PRON
abrj-454	346	36	advance	advance	VERB
abrj-454	346	37	both	both	DET
abrj-454	346	38	theoretical	theoretical	ADJ
abrj-454	346	39	understanding	understanding	NOUN
abrj-454	346	40	and	and	CCONJ
abrj-454	346	41	practical	practical	ADJ
abrj-454	346	42	application	application	NOUN
abrj-454	346	43	.	.	PUNCT
abrj-454	347	1	the	the	DET
abrj-454	347	2	empirical	empirical	ADJ
abrj-454	347	3	findings	finding	NOUN
abrj-454	347	4	demonstrate	demonstrate	VERB
abrj-454	347	5	that	that	SCONJ
abrj-454	347	6	financial	financial	ADJ
abrj-454	347	7	literacy	literacy	NOUN
abrj-454	347	8	significantly	significantly	ADV
abrj-454	347	9	influences	influence	VERB
abrj-454	347	10	platform	platform	NOUN
abrj-454	347	11	adoption	adoption	NOUN
abrj-454	347	12	and	and	CCONJ
abrj-454	347	13	utilisation	utilisation	NOUN
abrj-454	347	14	through	through	ADP
abrj-454	347	15	multiple	multiple	ADJ
abrj-454	347	16	psychological	psychological	ADJ
abrj-454	347	17	pathways	pathway	NOUN
abrj-454	347	18	,	,	PUNCT
abrj-454	347	19	with	with	ADP
abrj-454	347	20	distinctive	distinctive	ADJ
abrj-454	347	21	effects	effect	NOUN
abrj-454	347	22	across	across	ADP
abrj-454	347	23	demographic	demographic	ADJ
abrj-454	347	24	segments	segment	NOUN
abrj-454	347	25	and	and	CCONJ
abrj-454	347	26	contextual	contextual	ADJ
abrj-454	347	27	conditions	condition	NOUN
abrj-454	347	28	.	.	PUNCT
abrj-454	348	1	these	these	DET
abrj-454	348	2	results	result	NOUN
abrj-454	348	3	contribute	contribute	VERB
abrj-454	348	4	to	to	ADP
abrj-454	348	5	the	the	DET
abrj-454	348	6	theoretical	theoretical	ADJ
abrj-454	348	7	development	development	NOUN
abrj-454	348	8	of	of	ADP
abrj-454	348	9	both	both	DET
abrj-454	348	10	financial	financial	ADJ
abrj-454	348	11	capability	capability	NOUN
abrj-454	348	12	and	and	CCONJ
abrj-454	348	13	technology	technology	NOUN
abrj-454	348	14	acceptance	acceptance	NOUN
abrj-454	348	15	frameworks	framework	NOUN
abrj-454	348	16	while	while	SCONJ
abrj-454	348	17	providing	provide	VERB
abrj-454	348	18	actionable	actionable	ADJ
abrj-454	348	19	insights	insight	NOUN
abrj-454	348	20	for	for	ADP
abrj-454	348	21	platform	platform	NOUN
abrj-454	348	22	developers	developer	NOUN
abrj-454	348	23	,	,	PUNCT
abrj-454	348	24	financial	financial	ADJ
abrj-454	348	25	educators	educator	NOUN
abrj-454	348	26	,	,	PUNCT
abrj-454	348	27	and	and	CCONJ
abrj-454	348	28	regulatory	regulatory	ADJ
abrj-454	348	29	authorities	authority	NOUN
abrj-454	348	30	within	within	ADP
abrj-454	348	31	vietnam	vietnam	PROPN
abrj-454	348	32	's	's	PART
abrj-454	348	33	distinctive	distinctive	ADJ
abrj-454	348	34	socioeconomic	socioeconomic	ADJ
abrj-454	348	35	context	context	NOUN
abrj-454	348	36	.	.	PUNCT
abrj-454	349	1	the	the	DET
abrj-454	349	2	structural	structural	ADJ
abrj-454	349	3	equation	equation	NOUN
abrj-454	349	4	modelling	modelling	NOUN
abrj-454	349	5	results	result	NOUN
abrj-454	349	6	confirm	confirm	VERB
abrj-454	349	7	the	the	DET
abrj-454	349	8	multidimensional	multidimensional	ADJ
abrj-454	349	9	nature	nature	NOUN
abrj-454	349	10	of	of	ADP
abrj-454	349	11	financial	financial	ADJ
abrj-454	349	12	literacy	literacy	NOUN
abrj-454	349	13	,	,	PUNCT
abrj-454	349	14	with	with	ADP
abrj-454	349	15	knowledge	knowledge	NOUN
abrj-454	349	16	,	,	PUNCT
abrj-454	349	17	attitudinal	attitudinal	ADJ
abrj-454	349	18	,	,	PUNCT
abrj-454	349	19	and	and	CCONJ
abrj-454	349	20	behavioural	behavioural	ADJ
abrj-454	349	21	dimensions	dimension	NOUN
abrj-454	349	22	demonstrating	demonstrate	VERB
abrj-454	349	23	differential	differential	ADJ
abrj-454	349	24	effects	effect	NOUN
abrj-454	349	25	on	on	ADP
abrj-454	349	26	consumer	consumer	NOUN
abrj-454	349	27	decisionmaking	decisionmaking	NOUN
abrj-454	349	28	processes	process	NOUN
abrj-454	349	29	.	.	PUNCT
abrj-454	350	1	this	this	DET
abrj-454	350	2	finding	finding	NOUN
abrj-454	350	3	aligns	align	VERB
abrj-454	350	4	with	with	ADP
abrj-454	350	5	huston	huston	PROPN
abrj-454	350	6	's	's	PART
abrj-454	350	7	(	(	PUNCT
abrj-454	350	8	2010	2010	NUM
abrj-454	350	9	)	)	PUNCT
abrj-454	350	10	theoretical	theoretical	ADJ
abrj-454	350	11	distinction	distinction	NOUN
abrj-454	350	12	between	between	ADP
abrj-454	350	13	financial	financial	ADJ
abrj-454	350	14	knowledge	knowledge	NOUN
abrj-454	350	15	and	and	CCONJ
abrj-454	350	16	application	application	NOUN
abrj-454	350	17	capabilities	capability	NOUN
abrj-454	350	18	,	,	PUNCT
abrj-454	350	19	while	while	SCONJ
abrj-454	350	20	extending	extend	VERB
abrj-454	350	21	this	this	DET
abrj-454	350	22	framework	framework	NOUN
abrj-454	350	23	to	to	ADP
abrj-454	350	24	the	the	DET
abrj-454	350	25	specific	specific	ADJ
abrj-454	350	26	context	context	NOUN
abrj-454	350	27	of	of	ADP
abrj-454	350	28	digital	digital	ADJ
abrj-454	350	29	financial	financial	ADJ
abrj-454	350	30	services	service	NOUN
abrj-454	350	31	.	.	PUNCT
abrj-454	351	1	the	the	DET
abrj-454	351	2	strong	strong	ADJ
abrj-454	351	3	direct	direct	ADJ
abrj-454	351	4	effect	effect	NOUN
abrj-454	351	5	of	of	ADP
abrj-454	351	6	financial	financial	ADJ
abrj-454	351	7	knowledge	knowledge	NOUN
abrj-454	351	8	on	on	ADP
abrj-454	351	9	perceived	perceive	VERB
abrj-454	351	10	risk	risk	NOUN
abrj-454	351	11	(	(	PUNCT
abrj-454	351	12	β	β	NOUN
abrj-454	351	13	=	=	SYM
abrj-454	351	14	-0.302	-0.302	PUNCT
abrj-454	351	15	)	)	PUNCT
abrj-454	351	16	supports	support	VERB
abrj-454	351	17	lusardi	lusardi	PROPN
abrj-454	351	18	and	and	CCONJ
abrj-454	351	19	mitchell	mitchell	PROPN
abrj-454	351	20	's	's	PART
abrj-454	351	21	(	(	PUNCT
abrj-454	351	22	2014	2014	NUM
abrj-454	351	23	)	)	PUNCT
abrj-454	351	24	proposition	proposition	NOUN
abrj-454	351	25	that	that	SCONJ
abrj-454	351	26	knowledge	knowledge	NOUN
abrj-454	351	27	acquisition	acquisition	NOUN
abrj-454	351	28	reduces	reduce	VERB
abrj-454	351	29	uncertainty	uncertainty	NOUN
abrj-454	351	30	perceptions	perception	NOUN
abrj-454	351	31	,	,	PUNCT
abrj-454	351	32	while	while	SCONJ
abrj-454	351	33	the	the	DET
abrj-454	351	34	significant	significant	ADJ
abrj-454	351	35	relationship	relationship	NOUN
abrj-454	351	36	between	between	ADP
abrj-454	351	37	financial	financial	ADJ
abrj-454	351	38	behaviour	behaviour	NOUN
abrj-454	351	39	and	and	CCONJ
abrj-454	351	40	trust	trust	NOUN
abrj-454	351	41	formation	formation	NOUN
abrj-454	351	42	(	(	PUNCT
abrj-454	351	43	β	β	X
abrj-454	351	44	=	=	SYM
abrj-454	351	45	0.247	0.247	NUM
abrj-454	351	46	)	)	PUNCT
abrj-454	351	47	aligns	align	VERB
abrj-454	351	48	with	with	ADP
abrj-454	351	49	sherraden	sherraden	NOUN
abrj-454	351	50	's	's	PART
abrj-454	351	51	(	(	PUNCT
abrj-454	351	52	2013	2013	NUM
abrj-454	351	53	)	)	PUNCT
abrj-454	351	54	emphasis	emphasis	NOUN
abrj-454	351	55	on	on	ADP
abrj-454	351	56	behavioural	behavioural	ADJ
abrj-454	351	57	experience	experience	NOUN
abrj-454	351	58	as	as	ADP
abrj-454	351	59	a	a	DET
abrj-454	351	60	foundation	foundation	NOUN
abrj-454	351	61	for	for	ADP
abrj-454	351	62	financial	financial	ADJ
abrj-454	351	63	capability	capability	NOUN
abrj-454	351	64	development	development	NOUN
abrj-454	351	65	.	.	PUNCT
abrj-454	352	1	the	the	DET
abrj-454	352	2	mediational	mediational	ADJ
abrj-454	352	3	pathways	pathway	NOUN
abrj-454	352	4	identified	identify	VERB
abrj-454	352	5	in	in	ADP
abrj-454	352	6	this	this	DET
abrj-454	352	7	research	research	NOUN
abrj-454	352	8	advance	advance	VERB
abrj-454	352	9	theoretical	theoretical	ADJ
abrj-454	352	10	understanding	understanding	NOUN
abrj-454	352	11	of	of	ADP
abrj-454	352	12	how	how	SCONJ
abrj-454	352	13	financial	financial	ADJ
abrj-454	352	14	literacy	literacy	NOUN
abrj-454	352	15	influences	influence	VERB
abrj-454	352	16	technology	technology	NOUN
abrj-454	352	17	adoption	adoption	NOUN
abrj-454	352	18	decisions	decision	NOUN
abrj-454	352	19	.	.	PUNCT
abrj-454	353	1	the	the	DET
abrj-454	353	2	significant	significant	ADJ
abrj-454	353	3	indirect	indirect	ADJ
abrj-454	353	4	effects	effect	NOUN
abrj-454	353	5	operating	operate	VERB
abrj-454	353	6	through	through	ADP
abrj-454	353	7	perceived	perceive	VERB
abrj-454	353	8	risk	risk	NOUN
abrj-454	353	9	(	(	PUNCT
abrj-454	353	10	β	β	X
abrj-454	353	11	=	=	SYM
abrj-454	353	12	0.138	0.138	NUM
abrj-454	353	13	)	)	PUNCT
abrj-454	353	14	,	,	PUNCT
abrj-454	353	15	trust	trust	NOUN
abrj-454	353	16	(	(	PUNCT
abrj-454	353	17	β	β	X
abrj-454	353	18	=	=	NOUN
abrj-454	353	19	0.136	0.136	NUM
abrj-454	353	20	)	)	PUNCT
abrj-454	353	21	,	,	PUNCT
abrj-454	353	22	and	and	CCONJ
abrj-454	353	23	self	self	NOUN
abrj-454	353	24	-	-	PUNCT
abrj-454	353	25	efficacy	efficacy	NOUN
abrj-454	353	26	(	(	PUNCT
abrj-454	353	27	β	β	X
abrj-454	353	28	=	=	SYM
abrj-454	353	29	0.156	0.156	NUM
abrj-454	353	30	)	)	PUNCT
abrj-454	353	31	suggest	suggest	VERB
abrj-454	353	32	that	that	SCONJ
abrj-454	353	33	financial	financial	ADJ
abrj-454	353	34	literacy	literacy	NOUN
abrj-454	353	35	operates	operate	VERB
abrj-454	353	36	through	through	ADP
abrj-454	353	37	multiple	multiple	ADJ
abrj-454	353	38	psychological	psychological	ADJ
abrj-454	353	39	mechanisms	mechanism	NOUN
abrj-454	353	40	rather	rather	ADV
abrj-454	353	41	than	than	ADP
abrj-454	353	42	through	through	ADP
abrj-454	353	43	direct	direct	ADJ
abrj-454	353	44	knowledge	knowledge	NOUN
abrj-454	353	45	application	application	NOUN
abrj-454	353	46	alone	alone	ADV
abrj-454	353	47	.	.	PUNCT
abrj-454	354	1	this	this	DET
abrj-454	354	2	finding	finding	NOUN
abrj-454	354	3	extends	extend	VERB
abrj-454	354	4	technology	technology	NOUN
abrj-454	354	5	acceptance	acceptance	NOUN
abrj-454	354	6	models	model	NOUN
abrj-454	354	7	by	by	ADP
abrj-454	354	8	specifying	specify	VERB
abrj-454	354	9	the	the	DET
abrj-454	354	10	cognitive	cognitive	ADJ
abrj-454	354	11	and	and	CCONJ
abrj-454	354	12	attitudinal	attitudinal	ADJ
abrj-454	354	13	pathways	pathway	NOUN
abrj-454	354	14	through	through	ADP
abrj-454	354	15	which	which	DET
abrj-454	354	16	domain	domain	NOUN
abrj-454	354	17	-	-	PUNCT
abrj-454	354	18	specific	specific	ADJ
abrj-454	354	19	knowledge	knowledge	NOUN
abrj-454	354	20	influences	influence	VERB
abrj-454	354	21	adoption	adoption	NOUN
abrj-454	354	22	decisions	decision	NOUN
abrj-454	354	23	,	,	PUNCT
abrj-454	354	24	addressing	address	VERB
abrj-454	354	25	theoretical	theoretical	ADJ
abrj-454	354	26	gaps	gap	NOUN
abrj-454	354	27	identified	identify	VERB
abrj-454	354	28	by	by	ADP
abrj-454	354	29	venkatesh	venkatesh	PROPN
abrj-454	354	30	and	and	CCONJ
abrj-454	354	31	bala	bala	PROPN
abrj-454	354	32	(	(	PUNCT
abrj-454	354	33	2008	2008	NUM
abrj-454	354	34	)	)	PUNCT
abrj-454	354	35	regarding	regard	VERB
abrj-454	354	36	the	the	DET
abrj-454	354	37	antecedents	antecedent	NOUN
abrj-454	354	38	of	of	ADP
abrj-454	354	39	core	core	NOUN
abrj-454	354	40	tam	tam	NOUN
abrj-454	354	41	constructs	construct	NOUN
abrj-454	354	42	within	within	ADP
abrj-454	354	43	specific	specific	ADJ
abrj-454	354	44	technological	technological	ADJ
abrj-454	354	45	domains	domain	NOUN
abrj-454	354	46	.	.	PUNCT
abrj-454	355	1	the	the	DET
abrj-454	355	2	configurational	configurational	ADJ
abrj-454	355	3	analysis	analysis	NOUN
abrj-454	355	4	through	through	ADP
abrj-454	355	5	fsqca	fsqca	NOUN
abrj-454	355	6	reveals	reveal	VERB
abrj-454	355	7	equifinal	equifinal	ADJ
abrj-454	355	8	pathways	pathway	NOUN
abrj-454	355	9	to	to	ADP
abrj-454	355	10	platform	platform	NOUN
abrj-454	355	11	adoption	adoption	NOUN
abrj-454	355	12	,	,	PUNCT
abrj-454	355	13	demonstrating	demonstrate	VERB
abrj-454	355	14	that	that	SCONJ
abrj-454	355	15	multiple	multiple	ADJ
abrj-454	355	16	combinations	combination	NOUN
abrj-454	355	17	of	of	ADP
abrj-454	355	18	financial	financial	ADJ
abrj-454	355	19	literacy	literacy	NOUN
abrj-454	355	20	dimensions	dimension	NOUN
abrj-454	355	21	,	,	PUNCT
abrj-454	355	22	psychological	psychological	ADJ
abrj-454	355	23	factors	factor	NOUN
abrj-454	355	24	,	,	PUNCT
abrj-454	355	25	and	and	CCONJ
abrj-454	355	26	demographic	demographic	ADJ
abrj-454	355	27	characteristics	characteristic	NOUN
abrj-454	355	28	can	can	AUX
abrj-454	355	29	produce	produce	VERB
abrj-454	355	30	similar	similar	ADJ
abrj-454	355	31	behavioural	behavioural	ADJ
abrj-454	355	32	outcomes	outcome	NOUN
abrj-454	355	33	.	.	PUNCT
abrj-454	356	1	this	this	DET
abrj-454	356	2	finding	finding	NOUN
abrj-454	356	3	supports	support	VERB
abrj-454	356	4	the	the	DET
abrj-454	356	5	theoretical	theoretical	ADJ
abrj-454	356	6	proposition	proposition	NOUN
abrj-454	356	7	of	of	ADP
abrj-454	356	8	causal	causal	ADJ
abrj-454	356	9	complexity	complexity	NOUN
abrj-454	356	10	advanced	advance	VERB
abrj-454	356	11	by	by	ADP
abrj-454	356	12	ragin	ragin	NOUN
abrj-454	356	13	(	(	PUNCT
abrj-454	356	14	2008	2008	NUM
abrj-454	356	15	)	)	PUNCT
abrj-454	356	16	and	and	CCONJ
abrj-454	356	17	applied	apply	VERB
abrj-454	356	18	to	to	ADP
abrj-454	356	19	consumer	consumer	NOUN
abrj-454	356	20	behaviour	behaviour	NOUN
abrj-454	356	21	by	by	ADP
abrj-454	356	22	woodside	woodside	PROPN
abrj-454	356	23	(	(	PUNCT
abrj-454	356	24	2013	2013	NUM
abrj-454	356	25	)	)	PUNCT
abrj-454	356	26	.	.	PUNCT
abrj-454	357	1	the	the	DET
abrj-454	357	2	identification	identification	NOUN
abrj-454	357	3	of	of	ADP
abrj-454	357	4	four	four	NUM
abrj-454	357	5	distinct	distinct	ADJ
abrj-454	357	6	configurations	configuration	NOUN
abrj-454	357	7	sufficient	sufficient	ADJ
abrj-454	357	8	for	for	ADP
abrj-454	357	9	high	high	ADJ
abrj-454	357	10	platform	platform	NOUN
abrj-454	357	11	adoption	adoption	NOUN
abrj-454	357	12	suggests	suggest	VERB
abrj-454	357	13	that	that	SCONJ
abrj-454	357	14	financial	financial	ADJ
abrj-454	357	15	literacy	literacy	NOUN
abrj-454	357	16	operates	operate	VERB
abrj-454	357	17	within	within	ADP
abrj-454	357	18	complex	complex	ADJ
abrj-454	357	19	causal	causal	ADJ
abrj-454	357	20	recipes	recipe	NOUN
abrj-454	357	21	rather	rather	ADV
abrj-454	357	22	than	than	ADP
abrj-454	357	23	through	through	ADP
abrj-454	357	24	universal	universal	ADJ
abrj-454	357	25	mechanisms	mechanism	NOUN
abrj-454	357	26	,	,	PUNCT
abrj-454	357	27	challenging	challenge	VERB
abrj-454	357	28	simplistic	simplistic	ADJ
abrj-454	357	29	interventional	interventional	ADJ
abrj-454	357	30	approaches	approach	NOUN
abrj-454	357	31	predicated	predicate	VERB
abrj-454	357	32	on	on	ADP
abrj-454	357	33	singular	singular	ADJ
abrj-454	357	34	causal	causal	PROPN
abrj-454	357	35	pathways	pathway	NOUN
abrj-454	357	36	.	.	PUNCT
abrj-454	358	1	the	the	DET
abrj-454	358	2	moderating	moderate	VERB
abrj-454	358	3	effects	effect	NOUN
abrj-454	358	4	identified	identify	VERB
abrj-454	358	5	in	in	ADP
abrj-454	358	6	this	this	DET
abrj-454	358	7	research	research	NOUN
abrj-454	358	8	contribute	contribute	VERB
abrj-454	358	9	to	to	ADP
abrj-454	358	10	theoretical	theoretical	ADJ
abrj-454	358	11	refinement	refinement	NOUN
abrj-454	358	12	by	by	ADP
abrj-454	358	13	specifying	specify	VERB
abrj-454	358	14	the	the	DET
abrj-454	358	15	conditional	conditional	ADJ
abrj-454	358	16	boundaries	boundary	NOUN
abrj-454	358	17	of	of	ADP
abrj-454	358	18	financial	financial	ADJ
abrj-454	358	19	literacy	literacy	NOUN
abrj-454	358	20	effects	effect	NOUN
abrj-454	358	21	.	.	PUNCT
abrj-454	359	1	the	the	DET
abrj-454	359	2	significant	significant	ADJ
abrj-454	359	3	moderation	moderation	NOUN
abrj-454	359	4	by	by	ADP
abrj-454	359	5	age	age	NOUN
abrj-454	359	6	,	,	PUNCT
abrj-454	359	7	with	with	ADP
abrj-454	359	8	financial	financial	ADJ
abrj-454	359	9	literacy	literacy	NOUN
abrj-454	359	10	more	more	ADV
abrj-454	359	11	strongly	strongly	ADV
abrj-454	359	12	reducing	reduce	VERB
abrj-454	359	13	perceived	perceive	VERB
abrj-454	359	14	risk	risk	NOUN
abrj-454	359	15	among	among	ADP
abrj-454	359	16	younger	young	ADJ
abrj-454	359	17	users	user	NOUN
abrj-454	359	18	,	,	PUNCT
abrj-454	359	19	aligns	align	VERB
abrj-454	359	20	with	with	ADP
abrj-454	359	21	life	life	NOUN
abrj-454	359	22	-	-	PUNCT
abrj-454	359	23	cycle	cycle	NOUN
abrj-454	359	24	theories	theory	NOUN
abrj-454	359	25	of	of	ADP
abrj-454	359	26	financial	financial	ADJ
abrj-454	359	27	capability	capability	NOUN
abrj-454	359	28	asian	asian	ADJ
abrj-454	359	29	business	business	NOUN
abrj-454	359	30	research	research	NOUN
abrj-454	359	31	journal	journal	NOUN
abrj-454	359	32	,	,	PUNCT
abrj-454	359	33	2025	2025	NUM
abrj-454	359	34	,	,	PUNCT
abrj-454	359	35	10(5	10(5	NUM
abrj-454	359	36	):	):	PUNCT
abrj-454	359	37	106	106	NUM
abrj-454	359	38	-	-	SYM
abrj-454	359	39	119	119	NUM
abrj-454	359	40	117	117	NUM
abrj-454	359	41	©	©	PROPN
abrj-454	359	42	2025	2025	NUM
abrj-454	359	43	by	by	ADP
abrj-454	359	44	the	the	DET
abrj-454	359	45	author	author	NOUN
abrj-454	359	46	;	;	PUNCT
abrj-454	359	47	licensee	licensee	NOUN
abrj-454	359	48	eastern	eastern	ADJ
abrj-454	359	49	centre	centre	NOUN
abrj-454	359	50	of	of	ADP
abrj-454	359	51	science	science	NOUN
abrj-454	359	52	and	and	CCONJ
abrj-454	359	53	education	education	NOUN
abrj-454	359	54	,	,	PUNCT
abrj-454	359	55	usa	usa	PROPN
abrj-454	359	56	development	development	PROPN
abrj-454	359	57	(	(	PUNCT
abrj-454	359	58	lusardi	lusardi	PROPN
abrj-454	359	59	&	&	CCONJ
abrj-454	359	60	mitchell	mitchell	PROPN
abrj-454	359	61	,	,	PUNCT
abrj-454	359	62	2011	2011	NUM
abrj-454	359	63	)	)	PUNCT
abrj-454	359	64	.	.	PUNCT
abrj-454	360	1	this	this	DET
abrj-454	360	2	finding	finding	NOUN
abrj-454	360	3	suggests	suggest	VERB
abrj-454	360	4	that	that	SCONJ
abrj-454	360	5	financial	financial	ADJ
abrj-454	360	6	knowledge	knowledge	NOUN
abrj-454	360	7	may	may	AUX
abrj-454	360	8	play	play	VERB
abrj-454	360	9	a	a	DET
abrj-454	360	10	more	more	ADV
abrj-454	360	11	critical	critical	ADJ
abrj-454	360	12	compensatory	compensatory	ADJ
abrj-454	360	13	role	role	NOUN
abrj-454	360	14	among	among	ADP
abrj-454	360	15	younger	young	ADJ
abrj-454	360	16	consumers	consumer	NOUN
abrj-454	360	17	with	with	ADP
abrj-454	360	18	limited	limited	ADJ
abrj-454	360	19	financial	financial	ADJ
abrj-454	360	20	experience	experience	NOUN
abrj-454	360	21	,	,	PUNCT
abrj-454	360	22	whereas	whereas	SCONJ
abrj-454	360	23	older	old	ADJ
abrj-454	360	24	consumers	consumer	NOUN
abrj-454	360	25	may	may	AUX
abrj-454	360	26	rely	rely	VERB
abrj-454	360	27	more	more	ADV
abrj-454	360	28	heavily	heavily	ADV
abrj-454	360	29	on	on	ADP
abrj-454	360	30	experiential	experiential	ADJ
abrj-454	360	31	heuristics	heuristic	NOUN
abrj-454	360	32	independent	independent	ADJ
abrj-454	360	33	of	of	ADP
abrj-454	360	34	formal	formal	ADJ
abrj-454	360	35	knowledge	knowledge	NOUN
abrj-454	360	36	.	.	PUNCT
abrj-454	361	1	similarly	similarly	ADV
abrj-454	361	2	,	,	PUNCT
abrj-454	361	3	the	the	DET
abrj-454	361	4	moderation	moderation	NOUN
abrj-454	361	5	effect	effect	NOUN
abrj-454	361	6	of	of	ADP
abrj-454	361	7	prior	prior	ADJ
abrj-454	361	8	digital	digital	ADJ
abrj-454	361	9	banking	banking	NOUN
abrj-454	361	10	experience	experience	NOUN
abrj-454	361	11	supports	support	VERB
abrj-454	361	12	technology	technology	NOUN
abrj-454	361	13	-	-	PUNCT
abrj-454	361	14	specific	specific	ADJ
abrj-454	361	15	capability	capability	NOUN
abrj-454	361	16	theories	theory	NOUN
abrj-454	361	17	that	that	PRON
abrj-454	361	18	emphasise	emphasise	VERB
abrj-454	361	19	contextual	contextual	ADJ
abrj-454	361	20	knowledge	knowledge	NOUN
abrj-454	361	21	transfer	transfer	NOUN
abrj-454	361	22	rather	rather	ADV
abrj-454	361	23	than	than	ADP
abrj-454	361	24	generalised	generalised	ADJ
abrj-454	361	25	skill	skill	NOUN
abrj-454	361	26	application	application	NOUN
abrj-454	361	27	(	(	PUNCT
abrj-454	361	28	hung	hung	NOUN
abrj-454	361	29	et	et	PROPN
abrj-454	361	30	al	al	PROPN
abrj-454	361	31	.	.	PROPN
abrj-454	361	32	,	,	PUNCT
abrj-454	361	33	2009	2009	NUM
abrj-454	361	34	)	)	PUNCT
abrj-454	361	35	.	.	PUNCT
abrj-454	362	1	the	the	DET
abrj-454	362	2	multi	multi	ADJ
abrj-454	362	3	-	-	ADJ
abrj-454	362	4	group	group	NOUN
abrj-454	362	5	analysis	analysis	NOUN
abrj-454	362	6	results	result	NOUN
abrj-454	362	7	reveal	reveal	VERB
abrj-454	362	8	significant	significant	ADJ
abrj-454	362	9	heterogeneity	heterogeneity	NOUN
abrj-454	362	10	in	in	ADP
abrj-454	362	11	financial	financial	ADJ
abrj-454	362	12	literacy	literacy	NOUN
abrj-454	362	13	effects	effect	NOUN
abrj-454	362	14	across	across	ADP
abrj-454	362	15	demographic	demographic	ADJ
abrj-454	362	16	segments	segment	NOUN
abrj-454	362	17	,	,	PUNCT
abrj-454	362	18	advancing	advance	VERB
abrj-454	362	19	theoretical	theoretical	ADJ
abrj-454	362	20	understanding	understanding	NOUN
abrj-454	362	21	of	of	ADP
abrj-454	362	22	potential	potential	ADJ
abrj-454	362	23	vulnerability	vulnerability	NOUN
abrj-454	362	24	factors	factor	NOUN
abrj-454	362	25	within	within	ADP
abrj-454	362	26	digital	digital	ADJ
abrj-454	362	27	financial	financial	ADJ
abrj-454	362	28	environments	environment	NOUN
abrj-454	362	29	.	.	PUNCT
abrj-454	363	1	the	the	DET
abrj-454	363	2	stronger	strong	ADJ
abrj-454	363	3	relationship	relationship	NOUN
abrj-454	363	4	between	between	ADP
abrj-454	363	5	financial	financial	ADJ
abrj-454	363	6	knowledge	knowledge	NOUN
abrj-454	363	7	and	and	CCONJ
abrj-454	363	8	perceived	perceive	VERB
abrj-454	363	9	risk	risk	NOUN
abrj-454	363	10	among	among	ADP
abrj-454	363	11	male	male	ADJ
abrj-454	363	12	users	user	NOUN
abrj-454	363	13	(	(	PUNCT
abrj-454	363	14	β	β	X
abrj-454	363	15	=	=	PUNCT
abrj-454	363	16	-0.352	-0.352	X
abrj-454	363	17	vs.	vs.	X
abrj-454	363	18	β	β	X
abrj-454	363	19	=	=	SYM
abrj-454	363	20	-0.243	-0.243	PROPN
abrj-454	363	21	for	for	ADP
abrj-454	363	22	females	female	NOUN
abrj-454	363	23	)	)	PUNCT
abrj-454	363	24	suggests	suggest	VERB
abrj-454	363	25	potential	potential	ADJ
abrj-454	363	26	gender	gender	NOUN
abrj-454	363	27	differences	difference	NOUN
abrj-454	363	28	in	in	ADP
abrj-454	363	29	risk	risk	NOUN
abrj-454	363	30	assessment	assessment	NOUN
abrj-454	363	31	mechanisms	mechanism	NOUN
abrj-454	363	32	,	,	PUNCT
abrj-454	363	33	aligning	align	VERB
abrj-454	363	34	with	with	ADP
abrj-454	363	35	croson	croson	NOUN
abrj-454	363	36	and	and	CCONJ
abrj-454	363	37	gneezy	gneezy	PROPN
abrj-454	363	38	's	's	PART
abrj-454	363	39	(	(	PUNCT
abrj-454	363	40	2009	2009	NUM
abrj-454	363	41	)	)	PUNCT
abrj-454	363	42	findings	finding	NOUN
abrj-454	363	43	regarding	regard	VERB
abrj-454	363	44	gender	gender	NOUN
abrj-454	363	45	differences	difference	NOUN
abrj-454	363	46	in	in	ADP
abrj-454	363	47	financial	financial	ADJ
abrj-454	363	48	risk	risk	NOUN
abrj-454	363	49	processing	processing	NOUN
abrj-454	363	50	.	.	PUNCT
abrj-454	364	1	similarly	similarly	ADV
abrj-454	364	2	,	,	PUNCT
abrj-454	364	3	the	the	DET
abrj-454	364	4	stronger	strong	ADJ
abrj-454	364	5	relationship	relationship	NOUN
abrj-454	364	6	between	between	ADP
abrj-454	364	7	trust	trust	NOUN
abrj-454	364	8	and	and	CCONJ
abrj-454	364	9	platform	platform	NOUN
abrj-454	364	10	adoption	adoption	NOUN
abrj-454	364	11	among	among	ADP
abrj-454	364	12	older	old	ADJ
abrj-454	364	13	users	user	NOUN
abrj-454	364	14	(	(	PUNCT
abrj-454	364	15	β	β	X
abrj-454	364	16	=	=	SYM
abrj-454	364	17	0.382	0.382	NUM
abrj-454	364	18	vs.	vs.	X
abrj-454	364	19	β	β	X
abrj-454	364	20	=	=	SYM
abrj-454	364	21	0.284	0.284	NUM
abrj-454	364	22	for	for	ADP
abrj-454	364	23	younger	young	ADJ
abrj-454	364	24	users	user	NOUN
abrj-454	364	25	)	)	PUNCT
abrj-454	364	26	suggests	suggest	VERB
abrj-454	364	27	that	that	SCONJ
abrj-454	364	28	trust	trust	NOUN
abrj-454	364	29	plays	play	VERB
abrj-454	364	30	a	a	DET
abrj-454	364	31	more	more	ADV
abrj-454	364	32	critical	critical	ADJ
abrj-454	364	33	role	role	NOUN
abrj-454	364	34	in	in	ADP
abrj-454	364	35	technology	technology	NOUN
abrj-454	364	36	adoption	adoption	NOUN
abrj-454	364	37	among	among	ADP
abrj-454	364	38	less	less	ADV
abrj-454	364	39	technologically	technologically	ADV
abrj-454	364	40	acclimated	acclimate	VERB
abrj-454	364	41	segments	segment	NOUN
abrj-454	364	42	,	,	PUNCT
abrj-454	364	43	supporting	support	VERB
abrj-454	364	44	age	age	NOUN
abrj-454	364	45	-	-	PUNCT
abrj-454	364	46	based	base	VERB
abrj-454	364	47	digital	digital	ADJ
abrj-454	364	48	divide	divide	NOUN
abrj-454	364	49	theories	theory	NOUN
abrj-454	364	50	(	(	PUNCT
abrj-454	364	51	van	van	PROPN
abrj-454	364	52	dijk	dijk	PROPN
abrj-454	364	53	&	&	CCONJ
abrj-454	364	54	hacker	hacker	NOUN
abrj-454	364	55	,	,	PUNCT
abrj-454	364	56	2003	2003	NUM
abrj-454	364	57	)	)	PUNCT
abrj-454	364	58	.	.	PUNCT
abrj-454	365	1	the	the	DET
abrj-454	365	2	empirical	empirical	ADJ
abrj-454	365	3	findings	finding	NOUN
abrj-454	365	4	from	from	ADP
abrj-454	365	5	vietnam	vietnam	PROPN
abrj-454	365	6	provide	provide	VERB
abrj-454	365	7	important	important	ADJ
abrj-454	365	8	contextual	contextual	ADJ
abrj-454	365	9	modifications	modification	NOUN
abrj-454	365	10	to	to	ADP
abrj-454	365	11	financial	financial	ADJ
abrj-454	365	12	literacy	literacy	NOUN
abrj-454	365	13	theories	theory	NOUN
abrj-454	365	14	predominantly	predominantly	ADV
abrj-454	365	15	developed	develop	VERB
abrj-454	365	16	within	within	ADP
abrj-454	365	17	western	western	ADJ
abrj-454	365	18	economic	economic	ADJ
abrj-454	365	19	contexts	contexts	NOUN
abrj-454	365	20	.	.	PUNCT
abrj-454	366	1	the	the	DET
abrj-454	366	2	significant	significant	ADJ
abrj-454	366	3	positive	positive	ADJ
abrj-454	366	4	relationship	relationship	NOUN
abrj-454	366	5	between	between	ADP
abrj-454	366	6	financial	financial	ADJ
abrj-454	366	7	behaviour	behaviour	NOUN
abrj-454	366	8	and	and	CCONJ
abrj-454	366	9	trust	trust	NOUN
abrj-454	366	10	formation	formation	NOUN
abrj-454	366	11	(	(	PUNCT
abrj-454	366	12	β	β	X
abrj-454	366	13	=	=	SYM
abrj-454	366	14	0.247	0.247	NUM
abrj-454	366	15	)	)	PUNCT
abrj-454	366	16	appears	appear	VERB
abrj-454	366	17	stronger	strong	ADJ
abrj-454	366	18	than	than	SCONJ
abrj-454	366	19	typically	typically	ADV
abrj-454	366	20	observed	observe	VERB
abrj-454	366	21	in	in	ADP
abrj-454	366	22	developed	develop	VERB
abrj-454	366	23	economies	economy	NOUN
abrj-454	366	24	,	,	PUNCT
abrj-454	366	25	potentially	potentially	ADV
abrj-454	366	26	reflecting	reflect	VERB
abrj-454	366	27	vietnam	vietnam	PROPN
abrj-454	366	28	's	's	PART
abrj-454	366	29	transition	transition	NOUN
abrj-454	366	30	from	from	ADP
abrj-454	366	31	informal	informal	ADJ
abrj-454	366	32	to	to	ADP
abrj-454	366	33	formal	formal	ADJ
abrj-454	366	34	financial	financial	ADJ
abrj-454	366	35	systems	system	NOUN
abrj-454	366	36	.	.	PUNCT
abrj-454	367	1	this	this	DET
abrj-454	367	2	finding	finding	NOUN
abrj-454	367	3	supports	support	VERB
abrj-454	367	4	sherraden	sherraden	NOUN
abrj-454	367	5	et	et	PROPN
abrj-454	367	6	al	al	PROPN
abrj-454	367	7	.	.	PROPN
abrj-454	367	8	's	's	PART
abrj-454	367	9	(	(	PUNCT
abrj-454	367	10	2015	2015	NUM
abrj-454	367	11	)	)	PUNCT
abrj-454	367	12	theoretical	theoretical	ADJ
abrj-454	367	13	proposition	proposition	NOUN
abrj-454	367	14	that	that	SCONJ
abrj-454	367	15	financial	financial	ADJ
abrj-454	367	16	capability	capability	NOUN
abrj-454	367	17	development	development	NOUN
abrj-454	367	18	in	in	ADP
abrj-454	367	19	emerging	emerge	VERB
abrj-454	367	20	economies	economy	NOUN
abrj-454	367	21	involves	involve	VERB
abrj-454	367	22	the	the	DET
abrj-454	367	23	integration	integration	NOUN
abrj-454	367	24	of	of	ADP
abrj-454	367	25	formal	formal	ADJ
abrj-454	367	26	knowledge	knowledge	NOUN
abrj-454	367	27	with	with	ADP
abrj-454	367	28	traditional	traditional	ADJ
abrj-454	367	29	financial	financial	ADJ
abrj-454	367	30	practices	practice	NOUN
abrj-454	367	31	,	,	PUNCT
abrj-454	367	32	suggesting	suggest	VERB
abrj-454	367	33	that	that	SCONJ
abrj-454	367	34	behavioural	behavioural	ADJ
abrj-454	367	35	experience	experience	NOUN
abrj-454	367	36	with	with	ADP
abrj-454	367	37	traditional	traditional	ADJ
abrj-454	367	38	financial	financial	ADJ
abrj-454	367	39	mechanisms	mechanism	NOUN
abrj-454	367	40	may	may	AUX
abrj-454	367	41	facilitate	facilitate	VERB
abrj-454	367	42	trust	trust	NOUN
abrj-454	367	43	transfer	transfer	NOUN
abrj-454	367	44	to	to	ADP
abrj-454	367	45	novel	novel	ADJ
abrj-454	367	46	digital	digital	ADJ
abrj-454	367	47	platforms	platform	NOUN
abrj-454	367	48	.	.	PUNCT
abrj-454	368	1	from	from	ADP
abrj-454	368	2	a	a	DET
abrj-454	368	3	practical	practical	ADJ
abrj-454	368	4	perspective	perspective	NOUN
abrj-454	368	5	,	,	PUNCT
abrj-454	368	6	these	these	DET
abrj-454	368	7	findings	finding	NOUN
abrj-454	368	8	offer	offer	VERB
abrj-454	368	9	actionable	actionable	ADJ
abrj-454	368	10	insights	insight	NOUN
abrj-454	368	11	for	for	ADP
abrj-454	368	12	multiple	multiple	ADJ
abrj-454	368	13	stakeholders	stakeholder	NOUN
abrj-454	368	14	within	within	ADP
abrj-454	368	15	vietnam	vietnam	PROPN
abrj-454	368	16	's	's	PART
abrj-454	368	17	digital	digital	ADJ
abrj-454	368	18	financial	financial	ADJ
abrj-454	368	19	ecosystem	ecosystem	NOUN
abrj-454	368	20	.	.	PUNCT
abrj-454	369	1	for	for	ADP
abrj-454	369	2	platform	platform	NOUN
abrj-454	369	3	developers	developer	NOUN
abrj-454	369	4	,	,	PUNCT
abrj-454	369	5	the	the	DET
abrj-454	369	6	strong	strong	ADJ
abrj-454	369	7	mediating	mediate	VERB
abrj-454	369	8	role	role	NOUN
abrj-454	369	9	of	of	ADP
abrj-454	369	10	perceived	perceive	VERB
abrj-454	369	11	risk	risk	NOUN
abrj-454	369	12	(	(	PUNCT
abrj-454	369	13	β	β	X
abrj-454	369	14	=	=	SYM
abrj-454	369	15	-0.347	-0.347	PUNCT
abrj-454	369	16	)	)	PUNCT
abrj-454	369	17	suggests	suggest	VERB
abrj-454	369	18	that	that	SCONJ
abrj-454	369	19	interface	interface	NOUN
abrj-454	369	20	design	design	NOUN
abrj-454	369	21	emphasising	emphasise	VERB
abrj-454	369	22	risk	risk	NOUN
abrj-454	369	23	mitigation	mitigation	NOUN
abrj-454	369	24	through	through	ADP
abrj-454	369	25	transparency	transparency	NOUN
abrj-454	369	26	,	,	PUNCT
abrj-454	369	27	security	security	NOUN
abrj-454	369	28	indicators	indicator	NOUN
abrj-454	369	29	,	,	PUNCT
abrj-454	369	30	and	and	CCONJ
abrj-454	369	31	progressive	progressive	ADJ
abrj-454	369	32	disclosure	disclosure	NOUN
abrj-454	369	33	may	may	AUX
abrj-454	369	34	enhance	enhance	VERB
abrj-454	369	35	adoption	adoption	NOUN
abrj-454	369	36	among	among	ADP
abrj-454	369	37	less	less	ADV
abrj-454	369	38	financially	financially	ADV
abrj-454	369	39	sophisticated	sophisticated	ADJ
abrj-454	369	40	segments	segment	NOUN
abrj-454	369	41	.	.	PUNCT
abrj-454	370	1	the	the	DET
abrj-454	370	2	significant	significant	ADJ
abrj-454	370	3	moderation	moderation	NOUN
abrj-454	370	4	by	by	ADP
abrj-454	370	5	digital	digital	ADJ
abrj-454	370	6	banking	banking	NOUN
abrj-454	370	7	experience	experience	NOUN
abrj-454	370	8	indicates	indicate	VERB
abrj-454	370	9	that	that	SCONJ
abrj-454	370	10	platform	platform	NOUN
abrj-454	370	11	onboarding	onboarding	NOUN
abrj-454	370	12	processes	process	NOUN
abrj-454	370	13	should	should	AUX
abrj-454	370	14	be	be	AUX
abrj-454	370	15	differentiated	differentiate	VERB
abrj-454	370	16	based	base	VERB
abrj-454	370	17	on	on	ADP
abrj-454	370	18	prior	prior	ADJ
abrj-454	370	19	financial	financial	ADJ
abrj-454	370	20	technology	technology	NOUN
abrj-454	370	21	exposure	exposure	NOUN
abrj-454	370	22	,	,	PUNCT
abrj-454	370	23	with	with	ADP
abrj-454	370	24	additional	additional	ADJ
abrj-454	370	25	support	support	NOUN
abrj-454	370	26	mechanisms	mechanism	NOUN
abrj-454	370	27	for	for	ADP
abrj-454	370	28	users	user	NOUN
abrj-454	370	29	with	with	ADP
abrj-454	370	30	limited	limited	ADJ
abrj-454	370	31	digital	digital	ADJ
abrj-454	370	32	financial	financial	ADJ
abrj-454	370	33	experience	experience	NOUN
abrj-454	370	34	.	.	PUNCT
abrj-454	371	1	for	for	ADP
abrj-454	371	2	financial	financial	ADJ
abrj-454	371	3	educators	educator	NOUN
abrj-454	371	4	and	and	CCONJ
abrj-454	371	5	literacy	literacy	NOUN
abrj-454	371	6	advocates	advocate	NOUN
abrj-454	371	7	,	,	PUNCT
abrj-454	371	8	the	the	DET
abrj-454	371	9	differential	differential	ADJ
abrj-454	371	10	effects	effect	NOUN
abrj-454	371	11	of	of	ADP
abrj-454	371	12	financial	financial	ADJ
abrj-454	371	13	literacy	literacy	NOUN
abrj-454	371	14	dimensions	dimension	NOUN
abrj-454	371	15	suggest	suggest	VERB
abrj-454	371	16	the	the	DET
abrj-454	371	17	need	need	NOUN
abrj-454	371	18	for	for	ADP
abrj-454	371	19	targeted	target	VERB
abrj-454	371	20	educational	educational	ADJ
abrj-454	371	21	interventions	intervention	NOUN
abrj-454	371	22	.	.	PUNCT
abrj-454	372	1	the	the	DET
abrj-454	372	2	strong	strong	ADJ
abrj-454	372	3	direct	direct	ADJ
abrj-454	372	4	effect	effect	NOUN
abrj-454	372	5	of	of	ADP
abrj-454	372	6	financial	financial	ADJ
abrj-454	372	7	knowledge	knowledge	NOUN
abrj-454	372	8	on	on	ADP
abrj-454	372	9	self	self	NOUN
abrj-454	372	10	-	-	PUNCT
abrj-454	372	11	efficacy	efficacy	NOUN
abrj-454	372	12	(	(	PUNCT
abrj-454	372	13	β	β	X
abrj-454	372	14	=	=	SYM
abrj-454	372	15	0.412	0.412	NUM
abrj-454	372	16	)	)	PUNCT
abrj-454	372	17	indicates	indicate	VERB
abrj-454	372	18	that	that	SCONJ
abrj-454	372	19	educational	educational	ADJ
abrj-454	372	20	programs	program	NOUN
abrj-454	372	21	should	should	AUX
abrj-454	372	22	emphasise	emphasise	VERB
abrj-454	372	23	not	not	PART
abrj-454	372	24	merely	merely	ADV
abrj-454	372	25	factual	factual	ADJ
abrj-454	372	26	knowledge	knowledge	NOUN
abrj-454	372	27	but	but	CCONJ
abrj-454	372	28	confidence	confidence	NOUN
abrj-454	372	29	-	-	PUNCT
abrj-454	372	30	building	building	NOUN
abrj-454	372	31	through	through	ADP
abrj-454	372	32	practical	practical	ADJ
abrj-454	372	33	application	application	NOUN
abrj-454	372	34	.	.	PUNCT
abrj-454	373	1	the	the	DET
abrj-454	373	2	complementary	complementary	ADJ
abrj-454	373	3	relationship	relationship	NOUN
abrj-454	373	4	between	between	ADP
abrj-454	373	5	financial	financial	ADJ
abrj-454	373	6	attitudes	attitude	NOUN
abrj-454	373	7	and	and	CCONJ
abrj-454	373	8	behaviours	behaviour	NOUN
abrj-454	373	9	revealed	reveal	VERB
abrj-454	373	10	through	through	ADP
abrj-454	373	11	fsqca	fsqca	NOUN
abrj-454	373	12	suggests	suggest	VERB
abrj-454	373	13	that	that	SCONJ
abrj-454	373	14	effective	effective	ADJ
abrj-454	373	15	interventions	intervention	NOUN
abrj-454	373	16	must	must	AUX
abrj-454	373	17	address	address	VERB
abrj-454	373	18	both	both	DET
abrj-454	373	19	psychological	psychological	ADJ
abrj-454	373	20	dispositions	disposition	NOUN
abrj-454	373	21	and	and	CCONJ
abrj-454	373	22	behavioural	behavioural	ADJ
abrj-454	373	23	practices	practice	NOUN
abrj-454	373	24	rather	rather	ADV
abrj-454	373	25	than	than	ADP
abrj-454	373	26	focusing	focus	VERB
abrj-454	373	27	exclusively	exclusively	ADV
abrj-454	373	28	on	on	ADP
abrj-454	373	29	knowledge	knowledge	NOUN
abrj-454	373	30	transfer	transfer	NOUN
abrj-454	373	31	.	.	PUNCT
abrj-454	374	1	regulatory	regulatory	ADJ
abrj-454	374	2	implications	implication	NOUN
abrj-454	374	3	emerge	emerge	VERB
abrj-454	374	4	from	from	ADP
abrj-454	374	5	the	the	DET
abrj-454	374	6	significant	significant	ADJ
abrj-454	374	7	relationship	relationship	NOUN
abrj-454	374	8	between	between	ADP
abrj-454	374	9	trust	trust	NOUN
abrj-454	374	10	and	and	CCONJ
abrj-454	374	11	platform	platform	NOUN
abrj-454	374	12	adoption	adoption	NOUN
abrj-454	374	13	(	(	PUNCT
abrj-454	374	14	β	β	X
abrj-454	374	15	=	=	SYM
abrj-454	374	16	0.326	0.326	NUM
abrj-454	374	17	)	)	PUNCT
abrj-454	374	18	,	,	PUNCT
abrj-454	374	19	suggesting	suggest	VERB
abrj-454	374	20	that	that	SCONJ
abrj-454	374	21	clear	clear	ADJ
abrj-454	374	22	regulatory	regulatory	ADJ
abrj-454	374	23	frameworks	framework	NOUN
abrj-454	374	24	may	may	AUX
abrj-454	374	25	enhance	enhance	VERB
abrj-454	374	26	consumer	consumer	NOUN
abrj-454	374	27	confidence	confidence	NOUN
abrj-454	374	28	within	within	ADP
abrj-454	374	29	vietnam	vietnam	PROPN
abrj-454	374	30	's	's	PART
abrj-454	374	31	evolving	evolve	VERB
abrj-454	374	32	p2p	p2p	NOUN
abrj-454	374	33	lending	lending	NOUN
abrj-454	374	34	market	market	NOUN
abrj-454	374	35	.	.	PUNCT
abrj-454	375	1	the	the	DET
abrj-454	375	2	stronger	strong	ADJ
abrj-454	375	3	risk	risk	NOUN
abrj-454	375	4	perception	perception	NOUN
abrj-454	375	5	effects	effect	NOUN
abrj-454	375	6	among	among	ADP
abrj-454	375	7	rural	rural	ADJ
abrj-454	375	8	users	user	NOUN
abrj-454	375	9	identified	identify	VERB
abrj-454	375	10	through	through	ADP
abrj-454	375	11	mga	mga	PROPN
abrj-454	375	12	indicates	indicate	VERB
abrj-454	375	13	the	the	DET
abrj-454	375	14	potential	potential	ADJ
abrj-454	375	15	need	need	NOUN
abrj-454	375	16	for	for	ADP
abrj-454	375	17	geographically	geographically	ADV
abrj-454	375	18	differentiated	differentiate	VERB
abrj-454	375	19	consumer	consumer	NOUN
abrj-454	375	20	protection	protection	NOUN
abrj-454	375	21	approaches	approach	VERB
abrj-454	375	22	that	that	PRON
abrj-454	375	23	address	address	VERB
abrj-454	375	24	the	the	DET
abrj-454	375	25	specific	specific	ADJ
abrj-454	375	26	vulnerabilities	vulnerability	NOUN
abrj-454	375	27	of	of	ADP
abrj-454	375	28	rural	rural	ADJ
abrj-454	375	29	populations	population	NOUN
abrj-454	375	30	with	with	ADP
abrj-454	375	31	limited	limited	ADJ
abrj-454	375	32	alternative	alternative	ADJ
abrj-454	375	33	financial	financial	ADJ
abrj-454	375	34	access	access	NOUN
abrj-454	375	35	.	.	PUNCT
abrj-454	376	1	these	these	DET
abrj-454	376	2	regulatory	regulatory	ADJ
abrj-454	376	3	considerations	consideration	NOUN
abrj-454	376	4	align	align	VERB
abrj-454	376	5	with	with	ADP
abrj-454	376	6	johnson	johnson	PROPN
abrj-454	376	7	and	and	CCONJ
abrj-454	376	8	sherraden	sherraden	NOUN
abrj-454	376	9	's	's	PART
abrj-454	376	10	(	(	PUNCT
abrj-454	376	11	2007	2007	NUM
abrj-454	376	12	)	)	PUNCT
abrj-454	376	13	emphasis	emphasis	NOUN
abrj-454	376	14	on	on	ADP
abrj-454	376	15	structural	structural	ADJ
abrj-454	376	16	opportunity	opportunity	NOUN
abrj-454	376	17	as	as	ADP
abrj-454	376	18	a	a	DET
abrj-454	376	19	critical	critical	ADJ
abrj-454	376	20	component	component	NOUN
abrj-454	376	21	of	of	ADP
abrj-454	376	22	financial	financial	ADJ
abrj-454	376	23	capability	capability	NOUN
abrj-454	376	24	development	development	NOUN
abrj-454	376	25	.	.	PUNCT
abrj-454	377	1	the	the	DET
abrj-454	377	2	limitations	limitation	NOUN
abrj-454	377	3	of	of	ADP
abrj-454	377	4	this	this	DET
abrj-454	377	5	research	research	NOUN
abrj-454	377	6	should	should	AUX
abrj-454	377	7	be	be	AUX
abrj-454	377	8	acknowledged	acknowledge	VERB
abrj-454	377	9	to	to	PART
abrj-454	377	10	contextualise	contextualise	VERB
abrj-454	377	11	its	its	PRON
abrj-454	377	12	contributions	contribution	NOUN
abrj-454	377	13	appropriately	appropriately	ADV
abrj-454	377	14	.	.	PUNCT
abrj-454	378	1	the	the	DET
abrj-454	378	2	cross	cross	ADJ
abrj-454	378	3	-	-	ADJ
abrj-454	378	4	sectional	sectional	ADJ
abrj-454	378	5	design	design	NOUN
abrj-454	378	6	precludes	preclude	VERB
abrj-454	378	7	definitive	definitive	ADJ
abrj-454	378	8	causal	causal	ADJ
abrj-454	378	9	inference	inference	NOUN
abrj-454	378	10	,	,	PUNCT
abrj-454	378	11	suggesting	suggest	VERB
abrj-454	378	12	the	the	DET
abrj-454	378	13	value	value	NOUN
abrj-454	378	14	of	of	ADP
abrj-454	378	15	longitudinal	longitudinal	ADJ
abrj-454	378	16	approaches	approach	NOUN
abrj-454	378	17	in	in	ADP
abrj-454	378	18	future	future	ADJ
abrj-454	378	19	research	research	NOUN
abrj-454	378	20	to	to	PART
abrj-454	378	21	examine	examine	VERB
abrj-454	378	22	financial	financial	ADJ
abrj-454	378	23	literacy	literacy	NOUN
abrj-454	378	24	development	development	NOUN
abrj-454	378	25	and	and	CCONJ
abrj-454	378	26	technology	technology	NOUN
abrj-454	378	27	adoption	adoption	NOUN
abrj-454	378	28	over	over	ADP
abrj-454	378	29	time	time	NOUN
abrj-454	378	30	.	.	PUNCT
abrj-454	379	1	the	the	DET
abrj-454	379	2	sample	sample	NOUN
abrj-454	379	3	composition	composition	NOUN
abrj-454	379	4	,	,	PUNCT
abrj-454	379	5	while	while	SCONJ
abrj-454	379	6	relatively	relatively	ADV
abrj-454	379	7	large	large	ADJ
abrj-454	379	8	and	and	CCONJ
abrj-454	379	9	demographically	demographically	ADV
abrj-454	379	10	diverse	diverse	ADJ
abrj-454	379	11	,	,	PUNCT
abrj-454	379	12	overrepresents	overrepresent	NOUN
abrj-454	379	13	urban	urban	ADJ
abrj-454	379	14	and	and	CCONJ
abrj-454	379	15	higher	high	ADJ
abrj-454	379	16	-	-	PUNCT
abrj-454	379	17	income	income	NOUN
abrj-454	379	18	segments	segment	NOUN
abrj-454	379	19	relative	relative	ADJ
abrj-454	379	20	to	to	ADP
abrj-454	379	21	vietnam	vietnam	PROPN
abrj-454	379	22	's	's	PART
abrj-454	379	23	general	general	ADJ
abrj-454	379	24	population	population	NOUN
abrj-454	379	25	,	,	PUNCT
abrj-454	379	26	potentially	potentially	ADV
abrj-454	379	27	limiting	limit	VERB
abrj-454	379	28	generalisability	generalisability	NOUN
abrj-454	379	29	to	to	PART
abrj-454	379	30	rural	rural	ADJ
abrj-454	379	31	and	and	CCONJ
abrj-454	379	32	lower	low	ADJ
abrj-454	379	33	-	-	PUNCT
abrj-454	379	34	income	income	NOUN
abrj-454	379	35	populations	population	NOUN
abrj-454	379	36	.	.	PUNCT
abrj-454	380	1	additionally	additionally	ADV
abrj-454	380	2	,	,	PUNCT
abrj-454	380	3	the	the	DET
abrj-454	380	4	focus	focus	NOUN
abrj-454	380	5	on	on	ADP
abrj-454	380	6	existing	exist	VERB
abrj-454	380	7	platform	platform	NOUN
abrj-454	380	8	users	user	NOUN
abrj-454	380	9	excludes	exclude	VERB
abrj-454	380	10	non	non	NOUN
abrj-454	380	11	-	-	NOUN
abrj-454	380	12	adopters	adopter	NOUN
abrj-454	380	13	,	,	PUNCT
abrj-454	380	14	limiting	limit	VERB
abrj-454	380	15	insights	insight	NOUN
abrj-454	380	16	regarding	regard	VERB
abrj-454	380	17	adoption	adoption	NOUN
abrj-454	380	18	barriers	barrier	NOUN
abrj-454	380	19	among	among	ADP
abrj-454	380	20	the	the	DET
abrj-454	380	21	broader	broad	ADJ
abrj-454	380	22	population	population	NOUN
abrj-454	380	23	.	.	PUNCT
abrj-454	381	1	future	future	ADJ
abrj-454	381	2	research	research	NOUN
abrj-454	381	3	directions	direction	NOUN
abrj-454	381	4	emerge	emerge	VERB
abrj-454	381	5	from	from	ADP
abrj-454	381	6	both	both	DET
abrj-454	381	7	these	these	DET
abrj-454	381	8	limitations	limitation	NOUN
abrj-454	381	9	and	and	CCONJ
abrj-454	381	10	the	the	DET
abrj-454	381	11	study	study	NOUN
abrj-454	381	12	's	's	PART
abrj-454	381	13	findings	finding	NOUN
abrj-454	381	14	.	.	PUNCT
abrj-454	382	1	longitudinal	longitudinal	ADJ
abrj-454	382	2	designs	design	NOUN
abrj-454	382	3	could	could	AUX
abrj-454	382	4	examine	examine	VERB
abrj-454	382	5	how	how	SCONJ
abrj-454	382	6	financial	financial	ADJ
abrj-454	382	7	literacy	literacy	NOUN
abrj-454	382	8	develops	develop	VERB
abrj-454	382	9	through	through	ADP
abrj-454	382	10	platform	platform	NOUN
abrj-454	382	11	usage	usage	NOUN
abrj-454	382	12	,	,	PUNCT
abrj-454	382	13	potentially	potentially	ADV
abrj-454	382	14	creating	create	VERB
abrj-454	382	15	reciprocal	reciprocal	ADJ
abrj-454	382	16	relationships	relationship	NOUN
abrj-454	382	17	between	between	ADP
abrj-454	382	18	knowledge	knowledge	NOUN
abrj-454	382	19	acquisition	acquisition	NOUN
abrj-454	382	20	and	and	CCONJ
abrj-454	382	21	behavioural	behavioural	ADJ
abrj-454	382	22	experience	experience	NOUN
abrj-454	382	23	.	.	PUNCT
abrj-454	383	1	comparative	comparative	ADJ
abrj-454	383	2	studies	study	NOUN
abrj-454	383	3	across	across	ADP
abrj-454	383	4	multiple	multiple	ADJ
abrj-454	383	5	southeast	southeast	ADJ
abrj-454	383	6	asian	asian	ADJ
abrj-454	383	7	economies	economy	NOUN
abrj-454	383	8	could	could	AUX
abrj-454	383	9	identify	identify	VERB
abrj-454	383	10	how	how	SCONJ
abrj-454	383	11	institutional	institutional	ADJ
abrj-454	383	12	and	and	CCONJ
abrj-454	383	13	cultural	cultural	ADJ
abrj-454	383	14	factors	factor	NOUN
abrj-454	383	15	condition	condition	VERB
abrj-454	383	16	financial	financial	ADJ
abrj-454	383	17	literacy	literacy	NOUN
abrj-454	383	18	effects	effect	NOUN
abrj-454	383	19	within	within	ADP
abrj-454	383	20	digital	digital	ADJ
abrj-454	383	21	environments	environment	NOUN
abrj-454	383	22	.	.	PUNCT
abrj-454	384	1	experimental	experimental	ADJ
abrj-454	384	2	approaches	approach	NOUN
abrj-454	384	3	could	could	AUX
abrj-454	384	4	isolate	isolate	VERB
abrj-454	384	5	the	the	DET
abrj-454	384	6	causal	causal	ADJ
abrj-454	384	7	effects	effect	NOUN
abrj-454	384	8	of	of	ADP
abrj-454	384	9	specific	specific	ADJ
abrj-454	384	10	interface	interface	NOUN
abrj-454	384	11	features	feature	VERB
abrj-454	384	12	on	on	ADP
abrj-454	384	13	risk	risk	NOUN
abrj-454	384	14	perception	perception	NOUN
abrj-454	384	15	and	and	CCONJ
abrj-454	384	16	trust	trust	NOUN
abrj-454	384	17	formation	formation	NOUN
abrj-454	384	18	across	across	ADP
abrj-454	384	19	varying	vary	VERB
abrj-454	384	20	financial	financial	ADJ
abrj-454	384	21	literacy	literacy	NOUN
abrj-454	384	22	levels	level	NOUN
abrj-454	384	23	,	,	PUNCT
abrj-454	384	24	generating	generate	VERB
abrj-454	384	25	more	more	ADV
abrj-454	384	26	precise	precise	ADJ
abrj-454	384	27	design	design	NOUN
abrj-454	384	28	implications	implication	NOUN
abrj-454	384	29	.	.	PUNCT
abrj-454	385	1	in	in	ADP
abrj-454	385	2	conclusion	conclusion	NOUN
abrj-454	385	3	,	,	PUNCT
abrj-454	385	4	this	this	DET
abrj-454	385	5	research	research	NOUN
abrj-454	385	6	advances	advance	VERB
abrj-454	385	7	theoretical	theoretical	ADJ
abrj-454	385	8	understanding	understanding	NOUN
abrj-454	385	9	of	of	ADP
abrj-454	385	10	the	the	DET
abrj-454	385	11	financial	financial	ADJ
abrj-454	385	12	literacy	literacy	NOUN
abrj-454	385	13	-	-	PUNCT
abrj-454	385	14	digital	digital	ADJ
abrj-454	385	15	behaviour	behaviour	NOUN
abrj-454	385	16	nexus	nexus	NOUN
abrj-454	385	17	while	while	SCONJ
abrj-454	385	18	generating	generate	VERB
abrj-454	385	19	practical	practical	ADJ
abrj-454	385	20	insights	insight	NOUN
abrj-454	385	21	for	for	ADP
abrj-454	385	22	vietnam	vietnam	PROPN
abrj-454	385	23	's	's	PART
abrj-454	385	24	evolving	evolve	VERB
abrj-454	385	25	financial	financial	ADJ
abrj-454	385	26	technology	technology	NOUN
abrj-454	385	27	ecosystem	ecosystem	NOUN
abrj-454	385	28	.	.	PUNCT
abrj-454	386	1	by	by	ADP
abrj-454	386	2	demonstrating	demonstrate	VERB
abrj-454	386	3	the	the	DET
abrj-454	386	4	multidimensional	multidimensional	ADJ
abrj-454	386	5	nature	nature	NOUN
abrj-454	386	6	of	of	ADP
abrj-454	386	7	financial	financial	ADJ
abrj-454	386	8	literacy	literacy	NOUN
abrj-454	386	9	effects	effect	NOUN
abrj-454	386	10	,	,	PUNCT
abrj-454	386	11	identifying	identify	VERB
abrj-454	386	12	key	key	ADJ
abrj-454	386	13	mediating	mediating	NOUN
abrj-454	386	14	and	and	CCONJ
abrj-454	386	15	moderating	moderate	VERB
abrj-454	386	16	mechanisms	mechanism	NOUN
abrj-454	386	17	,	,	PUNCT
abrj-454	386	18	and	and	CCONJ
abrj-454	386	19	revealing	reveal	VERB
abrj-454	386	20	configurational	configurational	ADJ
abrj-454	386	21	pathways	pathway	NOUN
abrj-454	386	22	to	to	ADP
abrj-454	386	23	platform	platform	NOUN
abrj-454	386	24	adoption	adoption	NOUN
abrj-454	386	25	,	,	PUNCT
abrj-454	386	26	this	this	DET
abrj-454	386	27	study	study	NOUN
abrj-454	386	28	contributes	contribute	VERB
abrj-454	386	29	to	to	ADP
abrj-454	386	30	both	both	DET
abrj-454	386	31	financial	financial	ADJ
abrj-454	386	32	capability	capability	NOUN
abrj-454	386	33	and	and	CCONJ
abrj-454	386	34	technology	technology	NOUN
abrj-454	386	35	acceptance	acceptance	NOUN
abrj-454	386	36	theories	theory	NOUN
abrj-454	386	37	.	.	PUNCT
abrj-454	387	1	these	these	DET
abrj-454	387	2	insights	insight	NOUN
abrj-454	387	3	provide	provide	VERB
abrj-454	387	4	a	a	DET
abrj-454	387	5	foundation	foundation	NOUN
abrj-454	387	6	for	for	ADP
abrj-454	387	7	enhancing	enhance	VERB
abrj-454	387	8	financial	financial	ADJ
abrj-454	387	9	inclusion	inclusion	NOUN
abrj-454	387	10	through	through	ADP
abrj-454	387	11	digital	digital	ADJ
abrj-454	387	12	platforms	platform	NOUN
abrj-454	387	13	within	within	ADP
abrj-454	387	14	vietnam	vietnam	PROPN
abrj-454	387	15	's	's	PART
abrj-454	387	16	distinctive	distinctive	ADJ
abrj-454	387	17	socioeconomic	socioeconomic	ADJ
abrj-454	387	18	context	context	NOUN
abrj-454	387	19	,	,	PUNCT
abrj-454	387	20	with	with	ADP
abrj-454	387	21	potential	potential	ADJ
abrj-454	387	22	relevance	relevance	NOUN
abrj-454	387	23	for	for	ADP
abrj-454	387	24	other	other	ADJ
abrj-454	387	25	emerging	emerge	VERB
abrj-454	387	26	economies	economy	NOUN
abrj-454	387	27	navigating	navigate	VERB
abrj-454	387	28	similar	similar	ADJ
abrj-454	387	29	digital	digital	ADJ
abrj-454	387	30	financial	financial	ADJ
abrj-454	387	31	transformations	transformation	NOUN
abrj-454	387	32	.	.	PUNCT
abrj-454	388	1	references	reference	NOUN
abrj-454	388	2	agarwal	agarwal	PROPN
abrj-454	388	3	,	,	PUNCT
abrj-454	388	4	s.	s.	PROPN
abrj-454	388	5	,	,	PUNCT
abrj-454	388	6	driscoll	driscoll	PROPN
abrj-454	388	7	,	,	PUNCT
abrj-454	388	8	j.	j.	PROPN
abrj-454	388	9	,	,	PUNCT
abrj-454	388	10	gabaix	gabaix	NOUN
abrj-454	388	11	,	,	PUNCT
abrj-454	388	12	x.	x.	PROPN
abrj-454	388	13	,	,	PUNCT
abrj-454	388	14	&	&	CCONJ
abrj-454	388	15	laibson	laibson	PROPN
abrj-454	388	16	,	,	PUNCT
abrj-454	388	17	d.	d.	PROPN
abrj-454	388	18	(	(	PUNCT
abrj-454	388	19	2015	2015	NUM
abrj-454	388	20	)	)	PUNCT
abrj-454	388	21	.	.	PUNCT
abrj-454	389	1	the	the	DET
abrj-454	389	2	age	age	NOUN
abrj-454	389	3	of	of	ADP
abrj-454	389	4	reason	reason	NOUN
abrj-454	389	5	:	:	PUNCT
abrj-454	389	6	financial	financial	ADJ
abrj-454	389	7	decisions	decision	NOUN
abrj-454	389	8	over	over	ADP
abrj-454	389	9	the	the	DET
abrj-454	389	10	life	life	NOUN
abrj-454	389	11	cycle	cycle	NOUN
abrj-454	389	12	and	and	CCONJ
abrj-454	389	13	implications	implication	NOUN
abrj-454	389	14	for	for	ADP
abrj-454	389	15	regulation	regulation	NOUN
abrj-454	389	16	.	.	PUNCT
abrj-454	390	1	brookings	brookings	PROPN
abrj-454	390	2	papers	paper	NOUN
abrj-454	390	3	on	on	ADP
abrj-454	390	4	economic	economic	ADJ
abrj-454	390	5	activity	activity	NOUN
abrj-454	390	6	,	,	PUNCT
abrj-454	390	7	2009(2	2009(2	NUM
abrj-454	390	8	)	)	PUNCT
abrj-454	390	9	,	,	PUNCT
abrj-454	390	10	51	51	NUM
abrj-454	390	11	-	-	SYM
abrj-454	390	12	117	117	NUM
abrj-454	390	13	.	.	PUNCT
abrj-454	390	14	akerlof	akerlof	PROPN
abrj-454	390	15	,	,	PUNCT
abrj-454	390	16	g.	g.	PROPN
abrj-454	390	17	a.	a.	PROPN
abrj-454	390	18	(	(	PUNCT
abrj-454	390	19	1970	1970	NUM
abrj-454	390	20	)	)	PUNCT
abrj-454	390	21	.	.	PUNCT
abrj-454	391	1	the	the	DET
abrj-454	391	2	market	market	NOUN
abrj-454	391	3	for	for	ADP
abrj-454	391	4	"	"	PUNCT
abrj-454	391	5	lemons	lemon	NOUN
abrj-454	391	6	"	"	PUNCT
abrj-454	391	7	:	:	PUNCT
abrj-454	391	8	quality	quality	NOUN
abrj-454	391	9	uncertainty	uncertainty	NOUN
abrj-454	391	10	and	and	CCONJ
abrj-454	391	11	the	the	DET
abrj-454	391	12	market	market	NOUN
abrj-454	391	13	mechanism	mechanism	NOUN
abrj-454	391	14	.	.	PUNCT
abrj-454	392	1	quarterly	quarterly	ADJ
abrj-454	392	2	journal	journal	NOUN
abrj-454	392	3	of	of	ADP
abrj-454	392	4	economics	economic	NOUN
abrj-454	392	5	,	,	PUNCT
abrj-454	392	6	84(3	84(3	NUM
abrj-454	392	7	)	)	PUNCT
abrj-454	392	8	,	,	PUNCT
abrj-454	392	9	488500	488500	NUM
abrj-454	392	10	.	.	PUNCT
abrj-454	393	1	https://doi.org/10.2307/1879431	https://doi.org/10.2307/1879431	PROPN
abrj-454	394	1	armstrong	armstrong	PROPN
abrj-454	394	2	,	,	PUNCT
abrj-454	394	3	j.	j.	PROPN
abrj-454	394	4	s.	s.	PROPN
abrj-454	394	5	,	,	PUNCT
abrj-454	394	6	&	&	CCONJ
abrj-454	394	7	overton	overton	PROPN
abrj-454	394	8	,	,	PUNCT
abrj-454	394	9	t.	t.	PROPN
abrj-454	394	10	s.	s.	PROPN
abrj-454	394	11	(	(	PUNCT
abrj-454	394	12	1977	1977	NUM
abrj-454	394	13	)	)	PUNCT
abrj-454	394	14	.	.	PUNCT
abrj-454	395	1	estimating	estimate	VERB
abrj-454	395	2	nonresponse	nonresponse	NOUN
abrj-454	395	3	bias	bias	NOUN
abrj-454	395	4	in	in	ADP
abrj-454	395	5	mail	mail	NOUN
abrj-454	395	6	surveys	survey	NOUN
abrj-454	395	7	.	.	PUNCT
abrj-454	396	1	journal	journal	NOUN
abrj-454	396	2	of	of	ADP
abrj-454	396	3	marketing	marketing	NOUN
abrj-454	396	4	research	research	NOUN
abrj-454	396	5	,	,	PUNCT
abrj-454	396	6	14(3	14(3	NUM
abrj-454	396	7	)	)	PUNCT
abrj-454	396	8	,	,	PUNCT
abrj-454	396	9	396	396	NUM
abrj-454	396	10	-	-	SYM
abrj-454	396	11	402	402	NUM
abrj-454	396	12	.	.	PUNCT
abrj-454	397	1	https://doi.org/10.2307/3150783	https://doi.org/10.2307/3150783	PROPN
abrj-454	397	2	asian	asian	PROPN
abrj-454	397	3	development	development	PROPN
abrj-454	397	4	bank	bank	PROPN
abrj-454	397	5	.	.	PUNCT
abrj-454	398	1	(	(	PUNCT
abrj-454	398	2	2017	2017	NUM
abrj-454	398	3	)	)	PUNCT
abrj-454	398	4	.	.	PUNCT
abrj-454	399	1	accelerating	accelerate	VERB
abrj-454	399	2	financial	financial	ADJ
abrj-454	399	3	inclusion	inclusion	NOUN
abrj-454	399	4	in	in	ADP
abrj-454	399	5	south	south	PROPN
abrj-454	399	6	-	-	PUNCT
abrj-454	399	7	east	east	NOUN
abrj-454	399	8	asia	asia	PROPN
abrj-454	399	9	with	with	ADP
abrj-454	399	10	digital	digital	ADJ
abrj-454	399	11	finance	finance	NOUN
abrj-454	399	12	.	.	PUNCT
abrj-454	400	1	manila	manila	PROPN
abrj-454	400	2	:	:	PUNCT
abrj-454	400	3	asian	asian	PROPN
abrj-454	400	4	development	development	PROPN
abrj-454	400	5	bank	bank	PROPN
abrj-454	400	6	.	.	PUNCT
abrj-454	401	1	atkinson	atkinson	PROPN
abrj-454	401	2	,	,	PUNCT
abrj-454	401	3	a.	a.	PROPN
abrj-454	401	4	,	,	PUNCT
abrj-454	401	5	&	&	CCONJ
abrj-454	401	6	messy	messy	PROPN
abrj-454	401	7	,	,	PUNCT
abrj-454	401	8	f.	f.	PROPN
abrj-454	401	9	(	(	PUNCT
abrj-454	401	10	2012	2012	NUM
abrj-454	401	11	)	)	PUNCT
abrj-454	401	12	.	.	PUNCT
abrj-454	402	1	measuring	measure	VERB
abrj-454	402	2	financial	financial	ADJ
abrj-454	402	3	literacy	literacy	NOUN
abrj-454	402	4	:	:	PUNCT
abrj-454	402	5	results	result	NOUN
abrj-454	402	6	of	of	ADP
abrj-454	402	7	the	the	DET
abrj-454	402	8	oecd	oecd	PROPN
abrj-454	402	9	/	/	SYM
abrj-454	402	10	infe	infe	PROPN
abrj-454	402	11	pilot	pilot	NOUN
abrj-454	402	12	study	study	NOUN
abrj-454	402	13	.	.	PUNCT
abrj-454	403	1	oecd	oecd	PROPN
abrj-454	403	2	working	work	VERB
abrj-454	403	3	papers	paper	NOUN
abrj-454	403	4	on	on	ADP
abrj-454	403	5	finance	finance	NOUN
abrj-454	403	6	,	,	PUNCT
abrj-454	403	7	insurance	insurance	NOUN
abrj-454	403	8	and	and	CCONJ
abrj-454	403	9	private	private	ADJ
abrj-454	403	10	pensions	pension	NOUN
abrj-454	403	11	,	,	PUNCT
abrj-454	403	12	no	no	INTJ
abrj-454	403	13	.	.	NOUN
abrj-454	403	14	15	15	NUM
abrj-454	403	15	,	,	PUNCT
abrj-454	403	16	oecd	oecd	PROPN
abrj-454	403	17	publishing	publishing	NOUN
abrj-454	403	18	,	,	PUNCT
abrj-454	403	19	paris	paris	PROPN
abrj-454	403	20	.	.	PUNCT
abrj-454	404	1	https://doi.org/10.1787/5k9csfs90fr7-en	https://doi.org/10.1787/5k9csfs90fr7-en	PROPN
abrj-454	404	2	asian	asian	ADJ
abrj-454	404	3	business	business	NOUN
abrj-454	404	4	research	research	NOUN
abrj-454	404	5	journal	journal	NOUN
abrj-454	404	6	,	,	PUNCT
abrj-454	404	7	2025	2025	NUM
abrj-454	404	8	,	,	PUNCT
abrj-454	404	9	10(5	10(5	NUM
abrj-454	404	10	):	):	PUNCT
abrj-454	404	11	106	106	NUM
abrj-454	404	12	-	-	SYM
abrj-454	404	13	119	119	NUM
abrj-454	404	14	118	118	NUM
abrj-454	404	15	©	©	PROPN
abrj-454	404	16	2025	2025	NUM
abrj-454	404	17	by	by	ADP
abrj-454	404	18	the	the	DET
abrj-454	404	19	author	author	NOUN
abrj-454	404	20	;	;	PUNCT
abrj-454	404	21	licensee	licensee	NOUN
abrj-454	404	22	eastern	eastern	ADJ
abrj-454	404	23	centre	centre	NOUN
abrj-454	404	24	of	of	ADP
abrj-454	404	25	science	science	NOUN
abrj-454	404	26	and	and	CCONJ
abrj-454	404	27	education	education	NOUN
abrj-454	404	28	,	,	PUNCT
abrj-454	404	29	usa	usa	PROPN
abrj-454	404	30	bandura	bandura	PROPN
abrj-454	404	31	,	,	PUNCT
abrj-454	404	32	a.	a.	NOUN
abrj-454	404	33	(	(	PUNCT
abrj-454	404	34	1997	1997	NUM
abrj-454	404	35	)	)	PUNCT
abrj-454	404	36	.	.	PUNCT
abrj-454	405	1	self	self	NOUN
abrj-454	405	2	-	-	PUNCT
abrj-454	405	3	efficacy	efficacy	NOUN
abrj-454	405	4	:	:	PUNCT
abrj-454	405	5	the	the	DET
abrj-454	405	6	exercise	exercise	NOUN
abrj-454	405	7	of	of	ADP
abrj-454	405	8	control	control	NOUN
abrj-454	405	9	.	.	PUNCT
abrj-454	406	1	new	new	PROPN
abrj-454	406	2	york	york	PROPN
abrj-454	406	3	:	:	PUNCT
abrj-454	407	1	freeman	freeman	PROPN
abrj-454	407	2	.	.	PUNCT
abrj-454	407	3	benartzi	benartzi	PROPN
abrj-454	407	4	,	,	PUNCT
abrj-454	407	5	s.	s.	PROPN
abrj-454	407	6	(	(	PUNCT
abrj-454	407	7	2015	2015	NUM
abrj-454	407	8	)	)	PUNCT
abrj-454	407	9	.	.	PUNCT
abrj-454	408	1	the	the	DET
abrj-454	408	2	digital	digital	ADJ
abrj-454	408	3	provider	provider	NOUN
abrj-454	408	4	:	:	PUNCT
abrj-454	408	5	how	how	SCONJ
abrj-454	408	6	behavioral	behavioral	ADJ
abrj-454	408	7	economics	economic	NOUN
abrj-454	408	8	can	can	AUX
abrj-454	408	9	improve	improve	VERB
abrj-454	408	10	the	the	DET
abrj-454	408	11	design	design	NOUN
abrj-454	408	12	of	of	ADP
abrj-454	408	13	online	online	ADJ
abrj-454	408	14	services	service	NOUN
abrj-454	408	15	.	.	PUNCT
abrj-454	409	1	journal	journal	NOUN
abrj-454	409	2	of	of	ADP
abrj-454	409	3	economic	economic	ADJ
abrj-454	409	4	perspectives	perspective	NOUN
abrj-454	409	5	,	,	PUNCT
abrj-454	409	6	29(4	29(4	NOUN
abrj-454	409	7	)	)	PUNCT
abrj-454	409	8	,	,	PUNCT
abrj-454	409	9	23	23	NUM
abrj-454	409	10	-	-	SYM
abrj-454	409	11	44	44	NUM
abrj-454	409	12	.	.	PUNCT
abrj-454	410	1	https://doi.org/10.1257/jep.29.4.23	https://doi.org/10.1257/jep.29.4.23	PROPN
abrj-454	410	2	benartzi	benartzi	PROPN
abrj-454	410	3	,	,	PUNCT
abrj-454	410	4	s.	s.	PROPN
abrj-454	410	5	,	,	PUNCT
abrj-454	410	6	&	&	CCONJ
abrj-454	410	7	lehrer	lehrer	PROPN
abrj-454	410	8	,	,	PUNCT
abrj-454	410	9	j.	j.	PROPN
abrj-454	410	10	(	(	PUNCT
abrj-454	410	11	2015	2015	NUM
abrj-454	410	12	)	)	PUNCT
abrj-454	410	13	.	.	PUNCT
abrj-454	411	1	the	the	DET
abrj-454	411	2	smarter	smart	ADJ
abrj-454	411	3	screen	screen	NOUN
abrj-454	411	4	:	:	PUNCT
abrj-454	411	5	surprising	surprising	ADJ
abrj-454	411	6	ways	way	NOUN
abrj-454	411	7	to	to	PART
abrj-454	411	8	influence	influence	VERB
abrj-454	411	9	and	and	CCONJ
abrj-454	411	10	improve	improve	VERB
abrj-454	411	11	online	online	ADJ
abrj-454	411	12	behavior	behavior	NOUN
abrj-454	411	13	.	.	PUNCT
abrj-454	412	1	new	new	PROPN
abrj-454	412	2	york	york	PROPN
abrj-454	412	3	:	:	PUNCT
abrj-454	412	4	portfolio	portfolio	NOUN
abrj-454	412	5	/	/	SYM
abrj-454	412	6	penguin	penguin	NOUN
abrj-454	412	7	.	.	PUNCT
abrj-454	413	1	bernheim	bernheim	PROPN
abrj-454	413	2	,	,	PUNCT
abrj-454	413	3	b.	b.	PROPN
abrj-454	413	4	d.	d.	PROPN
abrj-454	413	5	,	,	PUNCT
abrj-454	413	6	&	&	CCONJ
abrj-454	413	7	garrett	garrett	PROPN
abrj-454	413	8	,	,	PUNCT
abrj-454	413	9	d.	d.	PROPN
abrj-454	413	10	m.	m.	PROPN
abrj-454	413	11	(	(	PUNCT
abrj-454	413	12	2003	2003	NUM
abrj-454	413	13	)	)	PUNCT
abrj-454	413	14	.	.	PUNCT
abrj-454	414	1	the	the	DET
abrj-454	414	2	effects	effect	NOUN
abrj-454	414	3	of	of	ADP
abrj-454	414	4	financial	financial	ADJ
abrj-454	414	5	education	education	NOUN
abrj-454	414	6	in	in	ADP
abrj-454	414	7	the	the	DET
abrj-454	414	8	workplace	workplace	NOUN
abrj-454	414	9	:	:	PUNCT
abrj-454	414	10	evidence	evidence	NOUN
abrj-454	414	11	from	from	ADP
abrj-454	414	12	a	a	DET
abrj-454	414	13	survey	survey	NOUN
abrj-454	414	14	of	of	ADP
abrj-454	414	15	households	household	NOUN
abrj-454	414	16	.	.	PUNCT
abrj-454	415	1	journal	journal	NOUN
abrj-454	415	2	of	of	ADP
abrj-454	415	3	public	public	ADJ
abrj-454	415	4	economics	economic	NOUN
abrj-454	415	5	,	,	PUNCT
abrj-454	415	6	87(7	87(7	NUM
abrj-454	415	7	)	)	PUNCT
abrj-454	415	8	,	,	PUNCT
abrj-454	415	9	1487	1487	NUM
abrj-454	415	10	-	-	SYM
abrj-454	415	11	1519	1519	NUM
abrj-454	415	12	.	.	PUNCT
abrj-454	416	1	https://doi.org/10.1016/s0047-2727(02)00068-9	https://doi.org/10.1016/s0047-2727(02)00068-9	PROPN
abrj-454	416	2	brislin	brislin	PROPN
abrj-454	416	3	,	,	PUNCT
abrj-454	416	4	r.	r.	PROPN
abrj-454	416	5	w.	w.	PROPN
abrj-454	416	6	(	(	PUNCT
abrj-454	416	7	1970	1970	NUM
abrj-454	416	8	)	)	PUNCT
abrj-454	416	9	.	.	PUNCT
abrj-454	417	1	back	back	NOUN
abrj-454	417	2	-	-	PUNCT
abrj-454	417	3	translation	translation	NOUN
abrj-454	417	4	for	for	ADP
abrj-454	417	5	cross	cross	ADJ
abrj-454	417	6	-	-	ADJ
abrj-454	417	7	cultural	cultural	ADJ
abrj-454	417	8	research	research	NOUN
abrj-454	417	9	.	.	PUNCT
abrj-454	418	1	journal	journal	PROPN
abrj-454	418	2	of	of	ADP
abrj-454	418	3	cross	cross	ADJ
abrj-454	418	4	-	-	ADJ
abrj-454	418	5	cultural	cultural	ADJ
abrj-454	418	6	psychology	psychology	NOUN
abrj-454	418	7	,	,	PUNCT
abrj-454	418	8	1(3	1(3	NUM
abrj-454	418	9	)	)	PUNCT
abrj-454	418	10	,	,	PUNCT
abrj-454	418	11	185	185	NUM
abrj-454	418	12	-	-	SYM
abrj-454	418	13	216	216	NUM
abrj-454	418	14	.	.	PUNCT
abrj-454	419	1	https://doi.org/10.1177/135910457000100301	https://doi.org/10.1177/135910457000100301	NOUN
abrj-454	419	2	bruton	bruton	PROPN
abrj-454	419	3	,	,	PUNCT
abrj-454	419	4	g.	g.	PROPN
abrj-454	419	5	,	,	PUNCT
abrj-454	419	6	khavul	khavul	PROPN
abrj-454	419	7	,	,	PUNCT
abrj-454	419	8	s.	s.	PROPN
abrj-454	419	9	,	,	PUNCT
abrj-454	419	10	siegel	siegel	PROPN
abrj-454	419	11	,	,	PUNCT
abrj-454	419	12	d.	d.	PROPN
abrj-454	419	13	,	,	PUNCT
abrj-454	419	14	&	&	CCONJ
abrj-454	419	15	wright	wright	PROPN
abrj-454	419	16	,	,	PUNCT
abrj-454	419	17	m.	m.	NOUN
abrj-454	419	18	(	(	PUNCT
abrj-454	419	19	2015	2015	NUM
abrj-454	419	20	)	)	PUNCT
abrj-454	419	21	.	.	PUNCT
abrj-454	420	1	new	new	ADJ
abrj-454	420	2	financial	financial	ADJ
abrj-454	420	3	alternatives	alternative	NOUN
abrj-454	420	4	in	in	ADP
abrj-454	420	5	seeding	seed	VERB
abrj-454	420	6	entrepreneurship	entrepreneurship	NOUN
abrj-454	420	7	:	:	PUNCT
abrj-454	420	8	microfinance	microfinance	NOUN
abrj-454	420	9	,	,	PUNCT
abrj-454	420	10	crowdfunding	crowdfunding	NOUN
abrj-454	420	11	,	,	PUNCT
abrj-454	420	12	and	and	CCONJ
abrj-454	420	13	peer	peer	NOUN
abrj-454	420	14	-	-	PUNCT
abrj-454	420	15	to	to	ADP
abrj-454	420	16	-	-	PUNCT
abrj-454	420	17	peer	peer	NOUN
abrj-454	420	18	innovations	innovation	NOUN
abrj-454	420	19	.	.	PUNCT
abrj-454	421	1	entrepreneurship	entrepreneurship	NOUN
abrj-454	421	2	theory	theory	NOUN
abrj-454	421	3	and	and	CCONJ
abrj-454	421	4	practice	practice	NOUN
abrj-454	421	5	,	,	PUNCT
abrj-454	421	6	39(1	39(1	NUM
abrj-454	421	7	)	)	PUNCT
abrj-454	421	8	,	,	PUNCT
abrj-454	421	9	9	9	NUM
abrj-454	421	10	-	-	SYM
abrj-454	421	11	26	26	NUM
abrj-454	421	12	.	.	PUNCT
abrj-454	422	1	https://doi.org/10.1111/etap.12113	https://doi.org/10.1111/etap.12113	PROPN
abrj-454	422	2	chen	chen	PROPN
abrj-454	422	3	,	,	PUNCT
abrj-454	422	4	d.	d.	PROPN
abrj-454	422	5	,	,	PUNCT
abrj-454	422	6	li	li	PROPN
abrj-454	422	7	,	,	PUNCT
abrj-454	422	8	x.	x.	PROPN
abrj-454	422	9	,	,	PUNCT
abrj-454	422	10	&	&	CCONJ
abrj-454	422	11	lai	lai	PROPN
abrj-454	422	12	,	,	PUNCT
abrj-454	422	13	f.	f.	PROPN
abrj-454	422	14	(	(	PUNCT
abrj-454	422	15	2016	2016	NUM
abrj-454	422	16	)	)	PUNCT
abrj-454	422	17	.	.	PUNCT
abrj-454	423	1	gender	gender	NOUN
abrj-454	423	2	discrimination	discrimination	NOUN
abrj-454	423	3	in	in	ADP
abrj-454	423	4	online	online	ADJ
abrj-454	423	5	peer	peer	NOUN
abrj-454	423	6	-	-	PUNCT
abrj-454	423	7	to	to	ADP
abrj-454	423	8	-	-	PUNCT
abrj-454	423	9	peer	peer	NOUN
abrj-454	423	10	credit	credit	NOUN
abrj-454	423	11	lending	lending	NOUN
abrj-454	423	12	:	:	PUNCT
abrj-454	423	13	evidence	evidence	NOUN
abrj-454	423	14	from	from	ADP
abrj-454	423	15	a	a	DET
abrj-454	423	16	lending	lending	NOUN
abrj-454	423	17	platform	platform	NOUN
abrj-454	423	18	in	in	ADP
abrj-454	423	19	china	china	PROPN
abrj-454	423	20	.	.	PUNCT
abrj-454	424	1	electronic	electronic	ADJ
abrj-454	424	2	commerce	commerce	PROPN
abrj-454	424	3	research	research	NOUN
abrj-454	424	4	,	,	PUNCT
abrj-454	424	5	17(4	17(4	NUM
abrj-454	424	6	)	)	PUNCT
abrj-454	424	7	,	,	PUNCT
abrj-454	424	8	553	553	NUM
abrj-454	424	9	-	-	SYM
abrj-454	424	10	583	583	NUM
abrj-454	424	11	.	.	PUNCT
abrj-454	425	1	https://doi.org/10.1007/s10203-016-0350-9	https://doi.org/10.1007/s10203-016-0350-9	NUM
abrj-454	425	2	chin	chin	PROPN
abrj-454	425	3	,	,	PUNCT
abrj-454	425	4	w.	w.	PROPN
abrj-454	425	5	w.	w.	PROPN
abrj-454	425	6	(	(	PUNCT
abrj-454	425	7	1998	1998	NUM
abrj-454	425	8	)	)	PUNCT
abrj-454	425	9	.	.	PUNCT
abrj-454	426	1	the	the	DET
abrj-454	426	2	partial	partial	ADJ
abrj-454	426	3	least	least	ADJ
abrj-454	426	4	squares	square	NOUN
abrj-454	426	5	approach	approach	VERB
abrj-454	426	6	to	to	ADP
abrj-454	426	7	structural	structural	ADJ
abrj-454	426	8	equation	equation	NOUN
abrj-454	426	9	modeling	modeling	NOUN
abrj-454	426	10	.	.	PUNCT
abrj-454	427	1	in	in	ADP
abrj-454	427	2	modern	modern	ADJ
abrj-454	427	3	methods	method	NOUN
abrj-454	427	4	for	for	ADP
abrj-454	427	5	business	business	NOUN
abrj-454	427	6	research	research	NOUN
abrj-454	427	7	(	(	PUNCT
abrj-454	427	8	pp	pp	ADJ
abrj-454	427	9	.	.	PUNCT
abrj-454	427	10	295336	295336	NUM
abrj-454	427	11	)	)	PUNCT
abrj-454	427	12	.	.	PUNCT
abrj-454	428	1	lawrence	lawrence	PROPN
abrj-454	428	2	erlbaum	erlbaum	PROPN
abrj-454	428	3	associates	associates	PROPN
abrj-454	428	4	.	.	PUNCT
abrj-454	429	1	chin	chin	PROPN
abrj-454	429	2	,	,	PUNCT
abrj-454	429	3	w.	w.	PROPN
abrj-454	429	4	w.	w.	PROPN
abrj-454	429	5	,	,	PUNCT
abrj-454	429	6	&	&	CCONJ
abrj-454	429	7	dibbern	dibbern	NOUN
abrj-454	429	8	,	,	PUNCT
abrj-454	429	9	j.	j.	PROPN
abrj-454	429	10	(	(	PUNCT
abrj-454	429	11	2010	2010	NUM
abrj-454	429	12	)	)	PUNCT
abrj-454	429	13	.	.	PUNCT
abrj-454	430	1	an	an	DET
abrj-454	430	2	introduction	introduction	NOUN
abrj-454	430	3	to	to	ADP
abrj-454	430	4	a	a	DET
abrj-454	430	5	permutation	permutation	NOUN
abrj-454	430	6	based	base	VERB
abrj-454	430	7	procedure	procedure	NOUN
abrj-454	430	8	for	for	ADP
abrj-454	430	9	multi	multi	ADJ
abrj-454	430	10	-	-	NOUN
abrj-454	430	11	group	group	ADJ
abrj-454	430	12	pls	pls	NOUN
abrj-454	430	13	analysis	analysis	NOUN
abrj-454	430	14	:	:	PUNCT
abrj-454	430	15	results	result	NOUN
abrj-454	430	16	of	of	ADP
abrj-454	430	17	tests	test	NOUN
abrj-454	430	18	of	of	ADP
abrj-454	430	19	differences	difference	NOUN
abrj-454	430	20	on	on	ADP
abrj-454	430	21	simulated	simulated	ADJ
abrj-454	430	22	data	datum	NOUN
abrj-454	430	23	and	and	CCONJ
abrj-454	430	24	a	a	DET
abrj-454	430	25	cross	cross	ADJ
abrj-454	430	26	-	-	ADJ
abrj-454	430	27	cultural	cultural	ADJ
abrj-454	430	28	analysis	analysis	NOUN
abrj-454	430	29	of	of	ADP
abrj-454	430	30	the	the	DET
abrj-454	430	31	sourcing	sourcing	NOUN
abrj-454	430	32	of	of	ADP
abrj-454	430	33	information	information	NOUN
abrj-454	430	34	system	system	NOUN
abrj-454	430	35	services	service	NOUN
abrj-454	430	36	between	between	ADP
abrj-454	430	37	germany	germany	PROPN
abrj-454	430	38	and	and	CCONJ
abrj-454	430	39	the	the	DET
abrj-454	430	40	usa	usa	PROPN
abrj-454	430	41	.	.	PROPN
abrj-454	430	42	in	in	ADP
abrj-454	430	43	v.	v.	PROPN
abrj-454	430	44	esposito	esposito	PROPN
abrj-454	430	45	vinzi	vinzi	PROPN
abrj-454	430	46	,	,	PUNCT
abrj-454	430	47	w.	w.	PROPN
abrj-454	430	48	w.	w.	PROPN
abrj-454	430	49	chin	chin	PROPN
abrj-454	430	50	,	,	PUNCT
abrj-454	430	51	j.	j.	PROPN
abrj-454	430	52	henseler	henseler	PROPN
abrj-454	430	53	,	,	PUNCT
abrj-454	430	54	&	&	CCONJ
abrj-454	430	55	h.	h.	PROPN
abrj-454	430	56	wang	wang	PROPN
abrj-454	430	57	(	(	PUNCT
abrj-454	430	58	eds	eds	PROPN
abrj-454	430	59	.	.	PUNCT
abrj-454	430	60	)	)	PUNCT
abrj-454	430	61	,	,	PUNCT
abrj-454	430	62	handbook	handbook	NOUN
abrj-454	430	63	of	of	ADP
abrj-454	430	64	partial	partial	ADJ
abrj-454	430	65	least	least	ADJ
abrj-454	430	66	squares	square	NOUN
abrj-454	430	67	(	(	PUNCT
abrj-454	430	68	pp	pp	ADJ
abrj-454	430	69	.	.	PUNCT
abrj-454	431	1	171	171	NUM
abrj-454	431	2	-	-	SYM
abrj-454	431	3	193	193	NUM
abrj-454	431	4	)	)	PUNCT
abrj-454	431	5	.	.	PUNCT
abrj-454	432	1	berlin	berlin	PROPN
abrj-454	432	2	:	:	PUNCT
abrj-454	432	3	springer	springer	NOUN
abrj-454	432	4	.	.	PUNCT
abrj-454	433	1	chin	chin	PROPN
abrj-454	433	2	,	,	PUNCT
abrj-454	433	3	w.	w.	PROPN
abrj-454	433	4	w.	w.	PROPN
abrj-454	433	5	,	,	PUNCT
abrj-454	433	6	marcolin	marcolin	PROPN
abrj-454	433	7	,	,	PUNCT
abrj-454	433	8	b.	b.	PROPN
abrj-454	433	9	l.	l.	PROPN
abrj-454	433	10	,	,	PUNCT
abrj-454	433	11	&	&	CCONJ
abrj-454	433	12	newsted	newste	VERB
abrj-454	433	13	,	,	PUNCT
abrj-454	433	14	p.	p.	PROPN
abrj-454	433	15	r.	r.	PROPN
abrj-454	433	16	(	(	PUNCT
abrj-454	433	17	2003	2003	NUM
abrj-454	433	18	)	)	PUNCT
abrj-454	433	19	.	.	PUNCT
abrj-454	434	1	a	a	DET
abrj-454	434	2	partial	partial	ADJ
abrj-454	434	3	least	least	ADJ
abrj-454	434	4	squares	square	NOUN
abrj-454	434	5	latent	latent	ADJ
abrj-454	434	6	variable	variable	ADJ
abrj-454	434	7	modeling	modeling	NOUN
abrj-454	434	8	approach	approach	NOUN
abrj-454	434	9	for	for	ADP
abrj-454	434	10	measuring	measure	VERB
abrj-454	434	11	interaction	interaction	NOUN
abrj-454	434	12	effects	effect	NOUN
abrj-454	434	13	:	:	PUNCT
abrj-454	434	14	results	result	NOUN
abrj-454	434	15	from	from	ADP
abrj-454	434	16	a	a	DET
abrj-454	434	17	monte	monte	PROPN
abrj-454	434	18	carlo	carlo	PROPN
abrj-454	434	19	simulation	simulation	PROPN
abrj-454	434	20	study	study	PROPN
abrj-454	434	21	and	and	CCONJ
abrj-454	434	22	an	an	DET
abrj-454	434	23	electronic	electronic	ADJ
abrj-454	434	24	-	-	PUNCT
abrj-454	434	25	mail	mail	NOUN
abrj-454	434	26	emotion	emotion	NOUN
abrj-454	434	27	/	/	SYM
abrj-454	434	28	adoption	adoption	NOUN
abrj-454	434	29	study	study	NOUN
abrj-454	434	30	.	.	PUNCT
abrj-454	435	1	information	information	NOUN
abrj-454	435	2	systems	system	NOUN
abrj-454	435	3	research	research	NOUN
abrj-454	435	4	,	,	PUNCT
abrj-454	435	5	14(2	14(2	NUM
abrj-454	435	6	)	)	PUNCT
abrj-454	435	7	,	,	PUNCT
abrj-454	435	8	189	189	NUM
abrj-454	435	9	-	-	SYM
abrj-454	435	10	217	217	NUM
abrj-454	435	11	.	.	PUNCT
abrj-454	436	1	https://doi.org/10.1287/isre.14.2.189.16042	https://doi.org/10.1287/isre.14.2.189.16042	DET
abrj-454	436	2	cohen	cohen	PROPN
abrj-454	436	3	,	,	PUNCT
abrj-454	436	4	j.	j.	PROPN
abrj-454	436	5	(	(	PUNCT
abrj-454	436	6	1988	1988	NUM
abrj-454	436	7	)	)	PUNCT
abrj-454	436	8	.	.	PUNCT
abrj-454	437	1	statistical	statistical	ADJ
abrj-454	437	2	power	power	NOUN
abrj-454	437	3	analysis	analysis	NOUN
abrj-454	437	4	for	for	ADP
abrj-454	437	5	the	the	DET
abrj-454	437	6	behavioral	behavioral	ADJ
abrj-454	437	7	sciences	science	NOUN
abrj-454	437	8	(	(	PUNCT
abrj-454	437	9	2nd	2nd	ADJ
abrj-454	437	10	ed	ed	NOUN
abrj-454	437	11	.	.	PUNCT
abrj-454	437	12	)	)	PUNCT
abrj-454	437	13	.	.	PUNCT
abrj-454	438	1	hillsdale	hillsdale	PROPN
abrj-454	438	2	,	,	PUNCT
abrj-454	438	3	nj	nj	PROPN
abrj-454	438	4	:	:	PUNCT
abrj-454	438	5	lawrence	lawrence	PROPN
abrj-454	438	6	erlbaum	erlbaum	PROPN
abrj-454	438	7	associates	associates	PROPN
abrj-454	438	8	.	.	PUNCT
abrj-454	439	1	cole	cole	PROPN
abrj-454	439	2	,	,	PUNCT
abrj-454	439	3	s.	s.	PROPN
abrj-454	439	4	,	,	PUNCT
abrj-454	439	5	sampson	sampson	PROPN
abrj-454	439	6	,	,	PUNCT
abrj-454	439	7	t.	t.	PROPN
abrj-454	439	8	,	,	PUNCT
abrj-454	439	9	&	&	CCONJ
abrj-454	439	10	zia	zia	PROPN
abrj-454	439	11	,	,	PUNCT
abrj-454	439	12	b.	b.	PROPN
abrj-454	439	13	(	(	PUNCT
abrj-454	439	14	2011	2011	NUM
abrj-454	439	15	)	)	PUNCT
abrj-454	439	16	.	.	PUNCT
abrj-454	440	1	prices	price	NOUN
abrj-454	440	2	or	or	CCONJ
abrj-454	440	3	knowledge	knowledge	NOUN
abrj-454	440	4	?	?	PUNCT
abrj-454	441	1	what	what	PRON
abrj-454	441	2	drives	drive	VERB
abrj-454	441	3	demand	demand	NOUN
abrj-454	441	4	for	for	ADP
abrj-454	441	5	financial	financial	ADJ
abrj-454	441	6	services	service	NOUN
abrj-454	441	7	in	in	ADP
abrj-454	441	8	emerging	emerge	VERB
abrj-454	441	9	markets	market	NOUN
abrj-454	441	10	?	?	PUNCT
abrj-454	442	1	journal	journal	NOUN
abrj-454	442	2	of	of	ADP
abrj-454	442	3	finance	finance	NOUN
abrj-454	442	4	,	,	PUNCT
abrj-454	442	5	66(6	66(6	NUM
abrj-454	442	6	)	)	PUNCT
abrj-454	442	7	,	,	PUNCT
abrj-454	442	8	1933	1933	NUM
abrj-454	442	9	-	-	SYM
abrj-454	442	10	1967	1967	NUM
abrj-454	442	11	.	.	PUNCT
abrj-454	443	1	https://doi.org/10.1111/j.1540-6261.2011.01694.x	https://doi.org/10.1111/j.1540-6261.2011.01694.x	PROPN
abrj-454	443	2	croson	croson	PROPN
abrj-454	443	3	,	,	PUNCT
abrj-454	443	4	r.	r.	PROPN
abrj-454	443	5	,	,	PUNCT
abrj-454	443	6	&	&	CCONJ
abrj-454	443	7	gneezy	gneezy	PROPN
abrj-454	443	8	,	,	PUNCT
abrj-454	443	9	u.	u.	PROPN
abrj-454	443	10	(	(	PUNCT
abrj-454	443	11	2009	2009	NUM
abrj-454	443	12	)	)	PUNCT
abrj-454	443	13	.	.	PUNCT
abrj-454	444	1	gender	gender	NOUN
abrj-454	444	2	differences	difference	NOUN
abrj-454	444	3	in	in	ADP
abrj-454	444	4	preferences	preference	NOUN
abrj-454	444	5	.	.	PUNCT
abrj-454	445	1	journal	journal	NOUN
abrj-454	445	2	of	of	ADP
abrj-454	445	3	economic	economic	ADJ
abrj-454	445	4	literature	literature	PROPN
abrj-454	445	5	,	,	PUNCT
abrj-454	445	6	47(2	47(2	PROPN
abrj-454	445	7	)	)	PUNCT
abrj-454	445	8	,	,	PUNCT
abrj-454	445	9	448	448	NUM
abrj-454	445	10	-	-	SYM
abrj-454	445	11	474	474	NUM
abrj-454	445	12	.	.	PUNCT
abrj-454	446	1	https://doi.org/10.1257/jel.47.2.448	https://doi.org/10.1257/jel.47.2.448	VERB
abrj-454	446	2	davis	davis	PROPN
abrj-454	446	3	,	,	PUNCT
abrj-454	446	4	f.	f.	PROPN
abrj-454	446	5	d.	d.	PROPN
abrj-454	446	6	(	(	PUNCT
abrj-454	446	7	1989	1989	NUM
abrj-454	446	8	)	)	PUNCT
abrj-454	446	9	.	.	PUNCT
abrj-454	447	1	perceived	perceive	VERB
abrj-454	447	2	usefulness	usefulness	NOUN
abrj-454	447	3	,	,	PUNCT
abrj-454	447	4	perceived	perceive	VERB
abrj-454	447	5	ease	ease	NOUN
abrj-454	447	6	of	of	ADP
abrj-454	447	7	use	use	NOUN
abrj-454	447	8	,	,	PUNCT
abrj-454	447	9	and	and	CCONJ
abrj-454	447	10	user	user	NOUN
abrj-454	447	11	acceptance	acceptance	NOUN
abrj-454	447	12	of	of	ADP
abrj-454	447	13	information	information	NOUN
abrj-454	447	14	technology	technology	NOUN
abrj-454	447	15	.	.	PUNCT
abrj-454	448	1	mis	mis	PROPN
abrj-454	448	2	quarterly	quarterly	PROPN
abrj-454	448	3	,	,	PUNCT
abrj-454	448	4	13(3	13(3	NUM
abrj-454	448	5	)	)	PUNCT
abrj-454	448	6	,	,	PUNCT
abrj-454	448	7	319340	319340	NUM
abrj-454	448	8	.	.	PUNCT
abrj-454	449	1	https://doi.org/10.2307/249008	https://doi.org/10.2307/249008	NOUN
abrj-454	449	2	delavande	delavande	NOUN
abrj-454	449	3	,	,	PUNCT
abrj-454	449	4	a.	a.	NOUN
abrj-454	449	5	,	,	PUNCT
abrj-454	449	6	rohwedder	rohwedder	NOUN
abrj-454	449	7	,	,	PUNCT
abrj-454	449	8	s.	s.	PROPN
abrj-454	449	9	,	,	PUNCT
abrj-454	449	10	&	&	CCONJ
abrj-454	449	11	willis	willis	PROPN
abrj-454	449	12	,	,	PUNCT
abrj-454	449	13	r.	r.	PROPN
abrj-454	449	14	j.	j.	PROPN
abrj-454	449	15	(	(	PUNCT
abrj-454	449	16	2008	2008	NUM
abrj-454	449	17	)	)	PUNCT
abrj-454	449	18	.	.	PUNCT
abrj-454	450	1	preparation	preparation	NOUN
abrj-454	450	2	for	for	ADP
abrj-454	450	3	retirement	retirement	NOUN
abrj-454	450	4	,	,	PUNCT
abrj-454	450	5	financial	financial	ADJ
abrj-454	450	6	literacy	literacy	NOUN
abrj-454	450	7	and	and	CCONJ
abrj-454	450	8	cognitive	cognitive	ADJ
abrj-454	450	9	resources	resource	NOUN
abrj-454	450	10	.	.	PUNCT
abrj-454	451	1	michigan	michigan	PROPN
abrj-454	451	2	retirement	retirement	PROPN
abrj-454	451	3	research	research	PROPN
abrj-454	451	4	center	center	PROPN
abrj-454	451	5	research	research	NOUN
abrj-454	451	6	paper	paper	NOUN
abrj-454	451	7	no	no	NOUN
abrj-454	451	8	.	.	NOUN
abrj-454	451	9	2008	2008	NUM
abrj-454	451	10	-	-	SYM
abrj-454	451	11	190	190	NUM
abrj-454	451	12	.	.	PUNCT
abrj-454	451	13	https://doi.org/10.2139/ssrn.1130103	https://doi.org/10.2139/ssrn.1130103	PROPN
abrj-454	451	14	demirgüç	demirgüç	PROPN
abrj-454	451	15	-	-	PUNCT
abrj-454	451	16	kunt	kunt	PROPN
abrj-454	451	17	,	,	PUNCT
abrj-454	451	18	a.	a.	PROPN
abrj-454	451	19	,	,	PUNCT
abrj-454	451	20	&	&	CCONJ
abrj-454	451	21	klapper	klapper	PROPN
abrj-454	451	22	,	,	PUNCT
abrj-454	451	23	l.	l.	PROPN
abrj-454	451	24	(	(	PUNCT
abrj-454	451	25	2013	2013	NUM
abrj-454	451	26	)	)	PUNCT
abrj-454	451	27	.	.	PUNCT
abrj-454	452	1	measuring	measure	VERB
abrj-454	452	2	financial	financial	ADJ
abrj-454	452	3	inclusion	inclusion	NOUN
abrj-454	452	4	:	:	PUNCT
abrj-454	452	5	explaining	explain	VERB
abrj-454	452	6	variation	variation	NOUN
abrj-454	452	7	in	in	ADP
abrj-454	452	8	use	use	NOUN
abrj-454	452	9	of	of	ADP
abrj-454	452	10	financial	financial	ADJ
abrj-454	452	11	services	service	NOUN
abrj-454	452	12	across	across	ADP
abrj-454	452	13	and	and	CCONJ
abrj-454	452	14	within	within	ADP
abrj-454	452	15	countries	country	NOUN
abrj-454	452	16	.	.	PUNCT
abrj-454	453	1	brookings	brookings	PROPN
abrj-454	453	2	papers	paper	NOUN
abrj-454	453	3	on	on	ADP
abrj-454	453	4	economic	economic	ADJ
abrj-454	453	5	activity	activity	NOUN
abrj-454	453	6	,	,	PUNCT
abrj-454	453	7	2013(1	2013(1	NUM
abrj-454	453	8	)	)	PUNCT
abrj-454	453	9	,	,	PUNCT
abrj-454	453	10	279	279	NUM
abrj-454	453	11	-	-	SYM
abrj-454	453	12	340	340	NUM
abrj-454	453	13	.	.	PUNCT
abrj-454	454	1	https://doi.org/10.2139/ssrn.2232414	https://doi.org/10.2139/ssrn.2232414	NOUN
abrj-454	454	2	demirgüç	demirgüç	NOUN
abrj-454	454	3	-	-	PUNCT
abrj-454	454	4	kunt	kunt	PROPN
abrj-454	454	5	,	,	PUNCT
abrj-454	454	6	a.	a.	PROPN
abrj-454	454	7	,	,	PUNCT
abrj-454	454	8	klapper	klapper	PROPN
abrj-454	454	9	,	,	PUNCT
abrj-454	454	10	l.	l.	PROPN
abrj-454	454	11	,	,	PUNCT
abrj-454	454	12	singer	singer	NOUN
abrj-454	454	13	,	,	PUNCT
abrj-454	454	14	d.	d.	PROPN
abrj-454	454	15	,	,	PUNCT
abrj-454	454	16	&	&	CCONJ
abrj-454	454	17	van	van	PROPN
abrj-454	454	18	oudheusden	oudheusden	PROPN
abrj-454	454	19	,	,	PUNCT
abrj-454	454	20	p.	p.	NOUN
abrj-454	454	21	(	(	PUNCT
abrj-454	454	22	2015	2015	NUM
abrj-454	454	23	)	)	PUNCT
abrj-454	454	24	.	.	PUNCT
abrj-454	455	1	the	the	DET
abrj-454	455	2	global	global	ADJ
abrj-454	455	3	findex	findex	PROPN
abrj-454	455	4	database	database	NOUN
abrj-454	455	5	2014	2014	NUM
abrj-454	455	6	:	:	PUNCT
abrj-454	455	7	measuring	measure	VERB
abrj-454	455	8	financial	financial	ADJ
abrj-454	455	9	inclusion	inclusion	NOUN
abrj-454	455	10	around	around	ADP
abrj-454	455	11	the	the	DET
abrj-454	455	12	world	world	NOUN
abrj-454	455	13	.	.	PUNCT
abrj-454	456	1	world	world	PROPN
abrj-454	456	2	bank	bank	PROPN
abrj-454	456	3	policy	policy	NOUN
abrj-454	456	4	research	research	NOUN
abrj-454	456	5	working	work	VERB
abrj-454	456	6	paper	paper	NOUN
abrj-454	456	7	7255	7255	NUM
abrj-454	456	8	.	.	PUNCT
abrj-454	457	1	https://doi.org/10.1596/1813-9450-7255	https://doi.org/10.1596/1813-9450-7255	PROPN
abrj-454	457	2	dillman	dillman	PROPN
abrj-454	457	3	,	,	PUNCT
abrj-454	457	4	d.	d.	PROPN
abrj-454	457	5	a.	a.	PROPN
abrj-454	457	6	,	,	PUNCT
abrj-454	457	7	smyth	smyth	PROPN
abrj-454	457	8	,	,	PUNCT
abrj-454	457	9	j.	j.	PROPN
abrj-454	457	10	d.	d.	PROPN
abrj-454	457	11	,	,	PUNCT
abrj-454	457	12	&	&	CCONJ
abrj-454	457	13	christian	christian	PROPN
abrj-454	457	14	,	,	PUNCT
abrj-454	457	15	l.	l.	PROPN
abrj-454	457	16	m.	m.	PROPN
abrj-454	457	17	(	(	PUNCT
abrj-454	457	18	2014	2014	NUM
abrj-454	457	19	)	)	PUNCT
abrj-454	457	20	.	.	PUNCT
abrj-454	458	1	internet	internet	NOUN
abrj-454	458	2	,	,	PUNCT
abrj-454	458	3	phone	phone	NOUN
abrj-454	458	4	,	,	PUNCT
abrj-454	458	5	mail	mail	NOUN
abrj-454	458	6	,	,	PUNCT
abrj-454	458	7	and	and	CCONJ
abrj-454	458	8	mixed	mixed	ADJ
abrj-454	458	9	-	-	PUNCT
abrj-454	458	10	mode	mode	NOUN
abrj-454	458	11	surveys	survey	NOUN
abrj-454	458	12	:	:	PUNCT
abrj-454	458	13	the	the	DET
abrj-454	458	14	tailored	tailor	VERB
abrj-454	458	15	design	design	NOUN
abrj-454	458	16	method	method	NOUN
abrj-454	458	17	(	(	PUNCT
abrj-454	458	18	4th	4th	ADJ
abrj-454	458	19	ed	ed	NOUN
abrj-454	458	20	.	.	PUNCT
abrj-454	458	21	)	)	PUNCT
abrj-454	458	22	.	.	PUNCT
abrj-454	459	1	hoboken	hoboken	PROPN
abrj-454	459	2	,	,	PUNCT
abrj-454	459	3	nj	nj	PROPN
abrj-454	459	4	:	:	PUNCT
abrj-454	459	5	john	john	PROPN
abrj-454	459	6	wiley	wiley	PROPN
abrj-454	459	7	&	&	CCONJ
abrj-454	459	8	sons	son	NOUN
abrj-454	459	9	.	.	PUNCT
abrj-454	460	1	duarte	duarte	PROPN
abrj-454	460	2	,	,	PUNCT
abrj-454	460	3	j.	j.	PROPN
abrj-454	460	4	,	,	PUNCT
abrj-454	460	5	siegel	siegel	PROPN
abrj-454	460	6	,	,	PUNCT
abrj-454	460	7	s.	s.	PROPN
abrj-454	460	8	,	,	PUNCT
abrj-454	460	9	&	&	CCONJ
abrj-454	460	10	young	young	PROPN
abrj-454	460	11	,	,	PUNCT
abrj-454	460	12	l.	l.	PROPN
abrj-454	460	13	(	(	PUNCT
abrj-454	460	14	2012	2012	NUM
abrj-454	460	15	)	)	PUNCT
abrj-454	460	16	.	.	PUNCT
abrj-454	461	1	trust	trust	NOUN
abrj-454	461	2	and	and	CCONJ
abrj-454	461	3	credit	credit	NOUN
abrj-454	461	4	:	:	PUNCT
abrj-454	461	5	the	the	DET
abrj-454	461	6	role	role	NOUN
abrj-454	461	7	of	of	ADP
abrj-454	461	8	appearance	appearance	NOUN
abrj-454	461	9	in	in	ADP
abrj-454	461	10	peer	peer	NOUN
abrj-454	461	11	-	-	PUNCT
abrj-454	461	12	to	to	ADP
abrj-454	461	13	-	-	PUNCT
abrj-454	461	14	peer	peer	NOUN
abrj-454	461	15	lending	lending	NOUN
abrj-454	461	16	.	.	PUNCT
abrj-454	462	1	review	review	NOUN
abrj-454	462	2	of	of	ADP
abrj-454	462	3	financial	financial	ADJ
abrj-454	462	4	studies	study	NOUN
abrj-454	462	5	,	,	PUNCT
abrj-454	462	6	25(8	25(8	NUM
abrj-454	462	7	)	)	PUNCT
abrj-454	462	8	,	,	PUNCT
abrj-454	462	9	2455	2455	NUM
abrj-454	462	10	-	-	SYM
abrj-454	462	11	2484	2484	NUM
abrj-454	462	12	.	.	PUNCT
abrj-454	463	1	https://doi.org/10.1093/rfs/hhs066	https://doi.org/10.1093/rfs/hhs066	ADJ
abrj-454	463	2	featherman	featherman	NOUN
abrj-454	463	3	,	,	PUNCT
abrj-454	463	4	m.	m.	NOUN
abrj-454	463	5	s.	s.	PROPN
abrj-454	463	6	,	,	PUNCT
abrj-454	463	7	&	&	CCONJ
abrj-454	463	8	pavlou	pavlou	PROPN
abrj-454	463	9	,	,	PUNCT
abrj-454	463	10	p.	p.	NOUN
abrj-454	463	11	a.	a.	NOUN
abrj-454	463	12	(	(	PUNCT
abrj-454	463	13	2003	2003	NUM
abrj-454	463	14	)	)	PUNCT
abrj-454	463	15	.	.	PUNCT
abrj-454	464	1	predicting	predict	VERB
abrj-454	464	2	e	e	PROPN
abrj-454	464	3	-	-	ADJ
abrj-454	464	4	services	service	NOUN
abrj-454	464	5	adoption	adoption	NOUN
abrj-454	464	6	:	:	PUNCT
abrj-454	464	7	a	a	DET
abrj-454	464	8	perceived	perceive	VERB
abrj-454	464	9	risk	risk	NOUN
abrj-454	464	10	facets	facet	NOUN
abrj-454	464	11	perspective	perspective	NOUN
abrj-454	464	12	.	.	PUNCT
abrj-454	465	1	international	international	ADJ
abrj-454	465	2	journal	journal	PROPN
abrj-454	465	3	of	of	ADP
abrj-454	465	4	humancomputer	humancomputer	PROPN
abrj-454	465	5	studies	study	NOUN
abrj-454	465	6	,	,	PUNCT
abrj-454	465	7	59(4	59(4	NUM
abrj-454	465	8	)	)	PUNCT
abrj-454	465	9	,	,	PUNCT
abrj-454	465	10	451	451	NUM
abrj-454	465	11	-	-	SYM
abrj-454	465	12	474	474	NUM
abrj-454	465	13	.	.	PUNCT
abrj-454	466	1	https://doi.org/10.1016/s1071-5819(03)00111-3	https://doi.org/10.1016/s1071-5819(03)00111-3	PROPN
abrj-454	466	2	fernandes	fernande	NOUN
abrj-454	466	3	,	,	PUNCT
abrj-454	466	4	d.	d.	PROPN
abrj-454	466	5	,	,	PUNCT
abrj-454	466	6	lynch	lynch	PROPN
abrj-454	466	7	jr	jr	PROPN
abrj-454	466	8	.	.	PROPN
abrj-454	466	9	,	,	PUNCT
abrj-454	466	10	j.	j.	PROPN
abrj-454	466	11	g.	g.	PROPN
abrj-454	466	12	,	,	PUNCT
abrj-454	466	13	&	&	CCONJ
abrj-454	466	14	netemeyer	netemeyer	PROPN
abrj-454	466	15	,	,	PUNCT
abrj-454	466	16	r.	r.	PROPN
abrj-454	466	17	g.	g.	PROPN
abrj-454	466	18	(	(	PUNCT
abrj-454	466	19	2014	2014	NUM
abrj-454	466	20	)	)	PUNCT
abrj-454	466	21	.	.	PUNCT
abrj-454	467	1	financial	financial	ADJ
abrj-454	467	2	literacy	literacy	NOUN
abrj-454	467	3	,	,	PUNCT
abrj-454	467	4	financial	financial	ADJ
abrj-454	467	5	education	education	NOUN
abrj-454	467	6	,	,	PUNCT
abrj-454	467	7	and	and	CCONJ
abrj-454	467	8	downstream	downstream	ADJ
abrj-454	467	9	financial	financial	ADJ
abrj-454	467	10	behaviors	behavior	NOUN
abrj-454	467	11	.	.	PUNCT
abrj-454	468	1	management	management	NOUN
abrj-454	468	2	science	science	NOUN
abrj-454	468	3	,	,	PUNCT
abrj-454	468	4	60(8	60(8	NUM
abrj-454	468	5	)	)	PUNCT
abrj-454	468	6	,	,	PUNCT
abrj-454	468	7	1861	1861	NUM
abrj-454	468	8	-	-	SYM
abrj-454	468	9	1883	1883	NUM
abrj-454	468	10	.	.	PUNCT
abrj-454	469	1	https://doi.org/10.1287/mnsc.2014.1899	https://doi.org/10.1287/mnsc.2014.1899	PROPN
abrj-454	469	2	fiss	fiss	PROPN
abrj-454	469	3	,	,	PUNCT
abrj-454	469	4	p.	p.	PROPN
abrj-454	469	5	c.	c.	PROPN
abrj-454	469	6	(	(	PUNCT
abrj-454	469	7	2011	2011	NUM
abrj-454	469	8	)	)	PUNCT
abrj-454	469	9	.	.	PUNCT
abrj-454	470	1	building	build	VERB
abrj-454	470	2	better	well	ADJ
abrj-454	470	3	causal	causal	NOUN
abrj-454	470	4	theories	theory	NOUN
abrj-454	470	5	:	:	PUNCT
abrj-454	470	6	a	a	DET
abrj-454	470	7	fuzzy	fuzzy	ADJ
abrj-454	470	8	set	set	VERB
abrj-454	470	9	approach	approach	NOUN
abrj-454	470	10	to	to	ADP
abrj-454	470	11	typologies	typology	NOUN
abrj-454	470	12	in	in	ADP
abrj-454	470	13	organization	organization	NOUN
abrj-454	470	14	research	research	NOUN
abrj-454	470	15	.	.	PUNCT
abrj-454	471	1	academy	academy	PROPN
abrj-454	471	2	of	of	ADP
abrj-454	471	3	management	management	PROPN
abrj-454	471	4	journal	journal	PROPN
abrj-454	471	5	,	,	PUNCT
abrj-454	471	6	54(2	54(2	NUM
abrj-454	471	7	)	)	PUNCT
abrj-454	471	8	,	,	PUNCT
abrj-454	471	9	393	393	NUM
abrj-454	471	10	-	-	SYM
abrj-454	471	11	420	420	NUM
abrj-454	471	12	.	.	PUNCT
abrj-454	472	1	https://doi.org/10.5465/amj.2011.60263120	https://doi.org/10.5465/amj.2011.60263120	ADJ
abrj-454	472	2	fornell	fornell	NOUN
abrj-454	472	3	,	,	PUNCT
abrj-454	472	4	c.	c.	PROPN
abrj-454	472	5	,	,	PUNCT
abrj-454	472	6	&	&	CCONJ
abrj-454	472	7	larcker	larcker	PROPN
abrj-454	472	8	,	,	PUNCT
abrj-454	472	9	d.	d.	PROPN
abrj-454	472	10	f.	f.	PROPN
abrj-454	472	11	(	(	PUNCT
abrj-454	472	12	1981	1981	NUM
abrj-454	472	13	)	)	PUNCT
abrj-454	472	14	.	.	PUNCT
abrj-454	473	1	evaluating	evaluate	VERB
abrj-454	473	2	structural	structural	ADJ
abrj-454	473	3	equation	equation	NOUN
abrj-454	473	4	models	model	NOUN
abrj-454	473	5	with	with	ADP
abrj-454	473	6	unobservable	unobservable	ADJ
abrj-454	473	7	variables	variable	NOUN
abrj-454	473	8	and	and	CCONJ
abrj-454	473	9	measurement	measurement	NOUN
abrj-454	473	10	error	error	NOUN
abrj-454	473	11	.	.	PUNCT
abrj-454	474	1	journal	journal	NOUN
abrj-454	474	2	of	of	ADP
abrj-454	474	3	marketing	marketing	NOUN
abrj-454	474	4	research	research	NOUN
abrj-454	474	5	,	,	PUNCT
abrj-454	474	6	18(1	18(1	NUM
abrj-454	474	7	)	)	PUNCT
abrj-454	474	8	,	,	PUNCT
abrj-454	474	9	39	39	NUM
abrj-454	474	10	-	-	SYM
abrj-454	474	11	50	50	NUM
abrj-454	474	12	.	.	PUNCT
abrj-454	475	1	https://doi.org/10.2307/3151312	https://doi.org/10.2307/3151312	ADJ
abrj-454	475	2	fuller	full	ADJ
abrj-454	475	3	,	,	PUNCT
abrj-454	475	4	c.	c.	PROPN
abrj-454	475	5	m.	m.	NOUN
abrj-454	475	6	,	,	PUNCT
abrj-454	475	7	simmering	simmering	NOUN
abrj-454	475	8	,	,	PUNCT
abrj-454	475	9	m.	m.	NOUN
abrj-454	475	10	j.	j.	PROPN
abrj-454	475	11	,	,	PUNCT
abrj-454	475	12	atinc	atinc	PROPN
abrj-454	475	13	,	,	PUNCT
abrj-454	475	14	g.	g.	PROPN
abrj-454	475	15	,	,	PUNCT
abrj-454	475	16	atinc	atinc	PROPN
abrj-454	475	17	,	,	PUNCT
abrj-454	475	18	y.	y.	PROPN
abrj-454	475	19	,	,	PUNCT
abrj-454	475	20	&	&	CCONJ
abrj-454	475	21	babin	babin	PROPN
abrj-454	475	22	,	,	PUNCT
abrj-454	475	23	b.	b.	PROPN
abrj-454	475	24	j.	j.	PROPN
abrj-454	475	25	(	(	PUNCT
abrj-454	475	26	2016	2016	NUM
abrj-454	475	27	)	)	PUNCT
abrj-454	475	28	.	.	PUNCT
abrj-454	476	1	common	common	ADJ
abrj-454	476	2	methods	method	NOUN
abrj-454	476	3	variance	variance	NOUN
abrj-454	476	4	detection	detection	NOUN
abrj-454	476	5	in	in	ADP
abrj-454	476	6	business	business	NOUN
abrj-454	476	7	research	research	NOUN
abrj-454	476	8	.	.	PUNCT
abrj-454	477	1	journal	journal	NOUN
abrj-454	477	2	of	of	ADP
abrj-454	477	3	business	business	NOUN
abrj-454	477	4	research	research	NOUN
abrj-454	477	5	,	,	PUNCT
abrj-454	477	6	69(8	69(8	ADV
abrj-454	477	7	)	)	PUNCT
abrj-454	477	8	,	,	PUNCT
abrj-454	477	9	3192	3192	NUM
abrj-454	477	10	-	-	SYM
abrj-454	477	11	3198	3198	NUM
abrj-454	477	12	.	.	PUNCT
abrj-454	478	1	https://doi.org/10.1016/j.jbusres.2015.12.008	https://doi.org/10.1016/j.jbusres.2015.12.008	NOUN
abrj-454	478	2	gefen	gefen	NOUN
abrj-454	478	3	,	,	PUNCT
abrj-454	478	4	d.	d.	PROPN
abrj-454	478	5	,	,	PUNCT
abrj-454	478	6	karahanna	karahanna	PROPN
abrj-454	478	7	,	,	PUNCT
abrj-454	478	8	e.	e.	PROPN
abrj-454	478	9	,	,	PUNCT
abrj-454	478	10	&	&	CCONJ
abrj-454	478	11	straub	straub	PROPN
abrj-454	478	12	,	,	PUNCT
abrj-454	478	13	d.	d.	PROPN
abrj-454	478	14	w.	w.	PROPN
abrj-454	478	15	(	(	PUNCT
abrj-454	478	16	2003	2003	NUM
abrj-454	478	17	)	)	PUNCT
abrj-454	478	18	.	.	PUNCT
abrj-454	479	1	trust	trust	NOUN
abrj-454	479	2	and	and	CCONJ
abrj-454	479	3	tam	tam	X
abrj-454	479	4	in	in	ADP
abrj-454	479	5	online	online	ADJ
abrj-454	479	6	shopping	shopping	NOUN
abrj-454	479	7	:	:	PUNCT
abrj-454	479	8	an	an	DET
abrj-454	479	9	integrated	integrated	ADJ
abrj-454	479	10	model	model	NOUN
abrj-454	479	11	.	.	PUNCT
abrj-454	480	1	mis	mis	PROPN
abrj-454	480	2	quarterly	quarterly	PROPN
abrj-454	480	3	,	,	PUNCT
abrj-454	480	4	27(1	27(1	NUM
abrj-454	480	5	)	)	PUNCT
abrj-454	480	6	,	,	PUNCT
abrj-454	480	7	51	51	NUM
abrj-454	480	8	-	-	SYM
abrj-454	480	9	90	90	NUM
abrj-454	480	10	.	.	PUNCT
abrj-454	481	1	greiner	greiner	PROPN
abrj-454	481	2	,	,	PUNCT
abrj-454	481	3	m.	m.	PROPN
abrj-454	481	4	e.	e.	PROPN
abrj-454	481	5	,	,	PUNCT
abrj-454	481	6	&	&	CCONJ
abrj-454	481	7	wang	wang	PROPN
abrj-454	481	8	,	,	PUNCT
abrj-454	481	9	h.	h.	PROPN
abrj-454	481	10	(	(	PUNCT
abrj-454	481	11	2010	2010	NUM
abrj-454	481	12	)	)	PUNCT
abrj-454	481	13	.	.	PUNCT
abrj-454	482	1	building	build	VERB
abrj-454	482	2	consumer	consumer	NOUN
abrj-454	482	3	-	-	PUNCT
abrj-454	482	4	to	to	ADP
abrj-454	482	5	-	-	PUNCT
abrj-454	482	6	consumer	consumer	NOUN
abrj-454	482	7	trust	trust	NOUN
abrj-454	482	8	in	in	ADP
abrj-454	482	9	e	e	NOUN
abrj-454	482	10	-	-	NOUN
abrj-454	482	11	finance	finance	ADJ
abrj-454	482	12	marketplaces	marketplace	NOUN
abrj-454	482	13	:	:	PUNCT
abrj-454	482	14	an	an	DET
abrj-454	482	15	empirical	empirical	ADJ
abrj-454	482	16	analysis	analysis	NOUN
abrj-454	482	17	.	.	PUNCT
abrj-454	483	1	international	international	ADJ
abrj-454	483	2	journal	journal	PROPN
abrj-454	483	3	of	of	ADP
abrj-454	483	4	electronic	electronic	ADJ
abrj-454	483	5	commerce	commerce	NOUN
abrj-454	483	6	,	,	PUNCT
abrj-454	483	7	15(2	15(2	NUM
abrj-454	483	8	)	)	PUNCT
abrj-454	483	9	,	,	PUNCT
abrj-454	483	10	105	105	NUM
abrj-454	483	11	-	-	SYM
abrj-454	483	12	136	136	NUM
abrj-454	483	13	.	.	PUNCT
abrj-454	484	1	https://doi.org/10.2753/jec1086-4415150204	https://doi.org/10.2753/jec1086-4415150204	NOUN
abrj-454	484	2	hair	hair	NOUN
abrj-454	484	3	,	,	PUNCT
abrj-454	484	4	j.	j.	PROPN
abrj-454	484	5	f.	f.	PROPN
abrj-454	484	6	,	,	PUNCT
abrj-454	484	7	hult	hult	PROPN
abrj-454	484	8	,	,	PUNCT
abrj-454	484	9	g.	g.	PROPN
abrj-454	484	10	t.	t.	PROPN
abrj-454	484	11	m.	m.	PROPN
abrj-454	484	12	,	,	PUNCT
abrj-454	484	13	ringle	ringle	PROPN
abrj-454	484	14	,	,	PUNCT
abrj-454	484	15	c.	c.	PROPN
abrj-454	484	16	m.	m.	PROPN
abrj-454	484	17	,	,	PUNCT
abrj-454	484	18	&	&	CCONJ
abrj-454	484	19	sarstedt	sarstedt	NOUN
abrj-454	484	20	,	,	PUNCT
abrj-454	484	21	m.	m.	NOUN
abrj-454	484	22	(	(	PUNCT
abrj-454	484	23	2014	2014	NUM
abrj-454	484	24	)	)	PUNCT
abrj-454	484	25	.	.	PUNCT
abrj-454	485	1	a	a	DET
abrj-454	485	2	primer	primer	NOUN
abrj-454	485	3	on	on	ADP
abrj-454	485	4	partial	partial	ADJ
abrj-454	485	5	least	least	ADJ
abrj-454	485	6	squares	square	NOUN
abrj-454	485	7	structural	structural	ADJ
abrj-454	485	8	equation	equation	NOUN
abrj-454	485	9	modeling	modeling	NOUN
abrj-454	485	10	(	(	PUNCT
abrj-454	485	11	pls	pls	INTJ
abrj-454	485	12	-	-	PUNCT
abrj-454	485	13	sem	sem	NOUN
abrj-454	485	14	)	)	PUNCT
abrj-454	485	15	.	.	PUNCT
abrj-454	486	1	thousand	thousand	NUM
abrj-454	486	2	oaks	oak	NOUN
abrj-454	486	3	,	,	PUNCT
abrj-454	486	4	ca	can	AUX
abrj-454	486	5	:	:	PUNCT
abrj-454	486	6	sage	sage	VERB
abrj-454	486	7	publications	publication	NOUN
abrj-454	486	8	.	.	PUNCT
abrj-454	487	1	hair	hair	NOUN
abrj-454	487	2	,	,	PUNCT
abrj-454	487	3	j.	j.	PROPN
abrj-454	487	4	f.	f.	PROPN
abrj-454	487	5	,	,	PUNCT
abrj-454	487	6	ringle	ringle	PROPN
abrj-454	487	7	,	,	PUNCT
abrj-454	487	8	c.	c.	PROPN
abrj-454	487	9	m.	m.	PROPN
abrj-454	487	10	,	,	PUNCT
abrj-454	487	11	&	&	CCONJ
abrj-454	487	12	sarstedt	sarstedt	NOUN
abrj-454	487	13	,	,	PUNCT
abrj-454	487	14	m.	m.	NOUN
abrj-454	487	15	(	(	PUNCT
abrj-454	487	16	2012	2012	NUM
abrj-454	487	17	)	)	PUNCT
abrj-454	487	18	.	.	PUNCT
abrj-454	488	1	partial	partial	ADJ
abrj-454	488	2	least	least	ADJ
abrj-454	488	3	squares	square	NOUN
abrj-454	488	4	:	:	PUNCT
abrj-454	488	5	the	the	DET
abrj-454	488	6	better	well	ADJ
abrj-454	488	7	approach	approach	NOUN
abrj-454	488	8	to	to	ADP
abrj-454	488	9	structural	structural	ADJ
abrj-454	488	10	equation	equation	NOUN
abrj-454	488	11	modeling	modeling	NOUN
abrj-454	488	12	?	?	PUNCT
abrj-454	489	1	long	long	ADJ
abrj-454	489	2	range	range	NOUN
abrj-454	489	3	planning	planning	NOUN
abrj-454	489	4	,	,	PUNCT
abrj-454	489	5	45(5	45(5	PROPN
abrj-454	489	6	-	-	SYM
abrj-454	489	7	6	6	NUM
abrj-454	489	8	)	)	PUNCT
abrj-454	489	9	,	,	PUNCT
abrj-454	489	10	312	312	NUM
abrj-454	489	11	-	-	SYM
abrj-454	489	12	319	319	NUM
abrj-454	489	13	.	.	PUNCT
abrj-454	490	1	https://doi.org/10.1016/j.lrp.2012.09.008	https://doi.org/10.1016/j.lrp.2012.09.008	NOUN
abrj-454	490	2	hair	hair	NOUN
abrj-454	490	3	,	,	PUNCT
abrj-454	490	4	j.	j.	PROPN
abrj-454	490	5	f.	f.	PROPN
abrj-454	490	6	,	,	PUNCT
abrj-454	490	7	hult	hult	PROPN
abrj-454	490	8	,	,	PUNCT
abrj-454	490	9	g.	g.	PROPN
abrj-454	490	10	t.	t.	PROPN
abrj-454	490	11	m.	m.	PROPN
abrj-454	490	12	,	,	PUNCT
abrj-454	490	13	ringle	ringle	PROPN
abrj-454	490	14	,	,	PUNCT
abrj-454	490	15	c.	c.	PROPN
abrj-454	490	16	m.	m.	PROPN
abrj-454	490	17	,	,	PUNCT
abrj-454	490	18	&	&	CCONJ
abrj-454	490	19	sarstedt	sarstedt	NOUN
abrj-454	490	20	,	,	PUNCT
abrj-454	490	21	m.	m.	NOUN
abrj-454	490	22	(	(	PUNCT
abrj-454	490	23	2017	2017	NUM
abrj-454	490	24	)	)	PUNCT
abrj-454	490	25	.	.	PUNCT
abrj-454	491	1	a	a	DET
abrj-454	491	2	primer	primer	NOUN
abrj-454	491	3	on	on	ADP
abrj-454	491	4	partial	partial	ADJ
abrj-454	491	5	least	least	ADJ
abrj-454	491	6	squares	square	NOUN
abrj-454	491	7	structural	structural	ADJ
abrj-454	491	8	equation	equation	NOUN
abrj-454	491	9	modeling	modeling	NOUN
abrj-454	491	10	(	(	PUNCT
abrj-454	491	11	pls	pls	INTJ
abrj-454	491	12	-	-	PUNCT
abrj-454	491	13	sem	sem	NOUN
abrj-454	491	14	)	)	PUNCT
abrj-454	491	15	(	(	PUNCT
abrj-454	491	16	2nd	2nd	NOUN
abrj-454	491	17	ed	ed	NOUN
abrj-454	491	18	.	.	PUNCT
abrj-454	491	19	)	)	PUNCT
abrj-454	491	20	.	.	PUNCT
abrj-454	492	1	thousand	thousand	NUM
abrj-454	492	2	oaks	oak	NOUN
abrj-454	492	3	,	,	PUNCT
abrj-454	492	4	ca	can	AUX
abrj-454	492	5	:	:	PUNCT
abrj-454	492	6	sage	sage	VERB
abrj-454	492	7	publications	publication	NOUN
abrj-454	492	8	.	.	PUNCT
abrj-454	493	1	henseler	henseler	PROPN
abrj-454	493	2	,	,	PUNCT
abrj-454	493	3	j.	j.	PROPN
abrj-454	493	4	,	,	PUNCT
abrj-454	493	5	&	&	CCONJ
abrj-454	493	6	fassott	fassott	PROPN
abrj-454	493	7	,	,	PUNCT
abrj-454	493	8	g.	g.	PROPN
abrj-454	493	9	(	(	PUNCT
abrj-454	493	10	2010	2010	NUM
abrj-454	493	11	)	)	PUNCT
abrj-454	493	12	.	.	PUNCT
abrj-454	494	1	testing	test	VERB
abrj-454	494	2	moderating	moderating	NOUN
abrj-454	494	3	effects	effect	NOUN
abrj-454	494	4	in	in	ADP
abrj-454	494	5	pls	pls	PROPN
abrj-454	494	6	path	path	NOUN
abrj-454	494	7	models	model	NOUN
abrj-454	494	8	:	:	PUNCT
abrj-454	494	9	an	an	DET
abrj-454	494	10	illustration	illustration	NOUN
abrj-454	494	11	of	of	ADP
abrj-454	494	12	available	available	ADJ
abrj-454	494	13	procedures	procedure	NOUN
abrj-454	494	14	.	.	PUNCT
abrj-454	495	1	in	in	ADP
abrj-454	495	2	v.	v.	PROPN
abrj-454	495	3	esposito	esposito	PROPN
abrj-454	495	4	vinzi	vinzi	PROPN
abrj-454	495	5	,	,	PUNCT
abrj-454	495	6	w.	w.	PROPN
abrj-454	495	7	w.	w.	PROPN
abrj-454	495	8	chin	chin	PROPN
abrj-454	495	9	,	,	PUNCT
abrj-454	495	10	j.	j.	PROPN
abrj-454	495	11	henseler	henseler	PROPN
abrj-454	495	12	,	,	PUNCT
abrj-454	495	13	&	&	CCONJ
abrj-454	495	14	h.	h.	PROPN
abrj-454	495	15	wang	wang	PROPN
abrj-454	495	16	(	(	PUNCT
abrj-454	495	17	eds	eds	PROPN
abrj-454	495	18	.	.	PUNCT
abrj-454	495	19	)	)	PUNCT
abrj-454	495	20	,	,	PUNCT
abrj-454	495	21	handbook	handbook	NOUN
abrj-454	495	22	of	of	ADP
abrj-454	495	23	partial	partial	ADJ
abrj-454	495	24	least	least	ADJ
abrj-454	495	25	squares	square	NOUN
abrj-454	495	26	(	(	PUNCT
abrj-454	495	27	pp	pp	ADJ
abrj-454	495	28	.	.	PUNCT
abrj-454	495	29	713	713	NUM
abrj-454	495	30	-	-	PUNCT
abrj-454	495	31	735	735	NUM
abrj-454	495	32	)	)	PUNCT
abrj-454	495	33	.	.	PUNCT
abrj-454	496	1	berlin	berlin	PROPN
abrj-454	496	2	:	:	PUNCT
abrj-454	496	3	springer	springer	NOUN
abrj-454	496	4	.	.	PUNCT
abrj-454	497	1	henseler	henseler	PROPN
abrj-454	497	2	,	,	PUNCT
abrj-454	497	3	j.	j.	PROPN
abrj-454	497	4	,	,	PUNCT
abrj-454	497	5	ringle	ringle	PROPN
abrj-454	497	6	,	,	PUNCT
abrj-454	497	7	c.	c.	PROPN
abrj-454	497	8	m.	m.	PROPN
abrj-454	497	9	,	,	PUNCT
abrj-454	497	10	&	&	CCONJ
abrj-454	497	11	sarstedt	sarstedt	NOUN
abrj-454	497	12	,	,	PUNCT
abrj-454	497	13	m.	m.	NOUN
abrj-454	497	14	(	(	PUNCT
abrj-454	497	15	2015	2015	NUM
abrj-454	497	16	)	)	PUNCT
abrj-454	497	17	.	.	PUNCT
abrj-454	498	1	a	a	DET
abrj-454	498	2	new	new	ADJ
abrj-454	498	3	criterion	criterion	NOUN
abrj-454	498	4	for	for	ADP
abrj-454	498	5	assessing	assess	VERB
abrj-454	498	6	discriminant	discriminant	ADJ
abrj-454	498	7	validity	validity	NOUN
abrj-454	498	8	in	in	ADP
abrj-454	498	9	variance	variance	NOUN
abrj-454	498	10	-	-	PUNCT
abrj-454	498	11	based	base	VERB
abrj-454	498	12	structural	structural	ADJ
abrj-454	498	13	equation	equation	NOUN
abrj-454	498	14	modeling	modeling	NOUN
abrj-454	498	15	.	.	PUNCT
abrj-454	499	1	journal	journal	NOUN
abrj-454	499	2	of	of	ADP
abrj-454	499	3	the	the	DET
abrj-454	499	4	academy	academy	NOUN
abrj-454	499	5	of	of	ADP
abrj-454	499	6	marketing	marketing	NOUN
abrj-454	499	7	science	science	NOUN
abrj-454	499	8	,	,	PUNCT
abrj-454	499	9	43(1	43(1	NOUN
abrj-454	499	10	)	)	PUNCT
abrj-454	499	11	,	,	PUNCT
abrj-454	499	12	115	115	NUM
abrj-454	499	13	-	-	SYM
abrj-454	499	14	135	135	NUM
abrj-454	499	15	.	.	PUNCT
abrj-454	500	1	https://doi.org/10.1007/s11747-014-0403-8	https://doi.org/10.1007/s11747-014-0403-8	NUM
abrj-454	500	2	henseler	henseler	NOUN
abrj-454	500	3	,	,	PUNCT
abrj-454	500	4	j.	j.	PROPN
abrj-454	500	5	,	,	PUNCT
abrj-454	500	6	ringle	ringle	PROPN
abrj-454	500	7	,	,	PUNCT
abrj-454	500	8	c.	c.	PROPN
abrj-454	500	9	m.	m.	PROPN
abrj-454	500	10	,	,	PUNCT
abrj-454	500	11	&	&	CCONJ
abrj-454	500	12	sarstedt	sarstedt	NOUN
abrj-454	500	13	,	,	PUNCT
abrj-454	500	14	m.	m.	NOUN
abrj-454	500	15	(	(	PUNCT
abrj-454	500	16	2016	2016	NUM
abrj-454	500	17	)	)	PUNCT
abrj-454	500	18	.	.	PUNCT
abrj-454	501	1	testing	testing	NOUN
abrj-454	501	2	measurement	measurement	NOUN
abrj-454	501	3	invariance	invariance	NOUN
abrj-454	501	4	of	of	ADP
abrj-454	501	5	composites	composite	NOUN
abrj-454	501	6	using	use	VERB
abrj-454	501	7	partial	partial	ADJ
abrj-454	501	8	least	least	ADJ
abrj-454	501	9	squares	square	NOUN
abrj-454	501	10	.	.	PUNCT
abrj-454	502	1	international	international	ADJ
abrj-454	502	2	marketing	marketing	NOUN
abrj-454	502	3	review	review	NOUN
abrj-454	502	4	,	,	PUNCT
abrj-454	502	5	33(3	33(3	NOUN
abrj-454	502	6	)	)	PUNCT
abrj-454	502	7	,	,	PUNCT
abrj-454	502	8	405	405	NUM
abrj-454	502	9	-	-	SYM
abrj-454	502	10	431	431	NUM
abrj-454	502	11	.	.	PUNCT
abrj-454	503	1	https://doi.org/10.1108/imr-09-2014-0304	https://doi.org/10.1108/imr-09-2014-0304	PROPN
abrj-454	503	2	henseler	henseler	NOUN
abrj-454	503	3	,	,	PUNCT
abrj-454	503	4	j.	j.	PROPN
abrj-454	503	5	,	,	PUNCT
abrj-454	503	6	ringle	ringle	PROPN
abrj-454	503	7	,	,	PUNCT
abrj-454	503	8	c.	c.	PROPN
abrj-454	503	9	m.	m.	PROPN
abrj-454	503	10	,	,	PUNCT
abrj-454	503	11	&	&	CCONJ
abrj-454	503	12	sinkovics	sinkovic	NOUN
abrj-454	503	13	,	,	PUNCT
abrj-454	503	14	r.	r.	PROPN
abrj-454	503	15	r.	r.	PROPN
abrj-454	503	16	(	(	PUNCT
abrj-454	503	17	2009	2009	NUM
abrj-454	503	18	)	)	PUNCT
abrj-454	503	19	.	.	PUNCT
abrj-454	504	1	the	the	DET
abrj-454	504	2	use	use	NOUN
abrj-454	504	3	of	of	ADP
abrj-454	504	4	partial	partial	ADJ
abrj-454	504	5	least	least	ADJ
abrj-454	504	6	squares	square	NOUN
abrj-454	504	7	path	path	NOUN
abrj-454	504	8	modeling	modeling	NOUN
abrj-454	504	9	in	in	ADP
abrj-454	504	10	international	international	ADJ
abrj-454	504	11	marketing	marketing	NOUN
abrj-454	504	12	.	.	PUNCT
abrj-454	505	1	advances	advance	NOUN
abrj-454	505	2	in	in	ADP
abrj-454	505	3	international	international	ADJ
abrj-454	505	4	marketing	marketing	NOUN
abrj-454	505	5	,	,	PUNCT
abrj-454	505	6	20	20	NUM
abrj-454	505	7	,	,	PUNCT
abrj-454	505	8	277	277	NUM
abrj-454	505	9	-	-	SYM
abrj-454	505	10	319	319	NUM
abrj-454	505	11	.	.	PUNCT
abrj-454	506	1	herzenstein	herzenstein	PROPN
abrj-454	506	2	,	,	PUNCT
abrj-454	506	3	m.	m.	NOUN
abrj-454	506	4	,	,	PUNCT
abrj-454	506	5	sonenshein	sonenshein	ADJ
abrj-454	506	6	,	,	PUNCT
abrj-454	506	7	s.	s.	PROPN
abrj-454	506	8	,	,	PUNCT
abrj-454	506	9	&	&	CCONJ
abrj-454	506	10	dholakia	dholakia	PROPN
abrj-454	506	11	,	,	PUNCT
abrj-454	506	12	u.	u.	PROPN
abrj-454	506	13	m.	m.	NOUN
abrj-454	506	14	(	(	PUNCT
abrj-454	506	15	2011	2011	NUM
abrj-454	506	16	)	)	PUNCT
abrj-454	506	17	.	.	PUNCT
abrj-454	507	1	tell	tell	VERB
abrj-454	507	2	me	i	PRON
abrj-454	507	3	a	a	DET
abrj-454	507	4	good	good	ADJ
abrj-454	507	5	story	story	NOUN
abrj-454	507	6	and	and	CCONJ
abrj-454	507	7	i	i	PRON
abrj-454	507	8	may	may	AUX
abrj-454	507	9	lend	lend	VERB
abrj-454	507	10	you	you	PRON
abrj-454	507	11	money	money	NOUN
abrj-454	507	12	:	:	PUNCT
abrj-454	507	13	the	the	DET
abrj-454	507	14	role	role	NOUN
abrj-454	507	15	of	of	ADP
abrj-454	507	16	narratives	narrative	NOUN
abrj-454	507	17	in	in	ADP
abrj-454	507	18	peerto	peerto	NOUN
abrj-454	507	19	-	-	PUNCT
abrj-454	507	20	peer	peer	NOUN
abrj-454	507	21	lending	lending	NOUN
abrj-454	507	22	decisions	decision	NOUN
abrj-454	507	23	.	.	PUNCT
abrj-454	508	1	journal	journal	NOUN
abrj-454	508	2	of	of	ADP
abrj-454	508	3	marketing	marketing	NOUN
abrj-454	508	4	research	research	NOUN
abrj-454	508	5	,	,	PUNCT
abrj-454	508	6	48(spl	48(spl	NOUN
abrj-454	508	7	)	)	PUNCT
abrj-454	508	8	,	,	PUNCT
abrj-454	508	9	s138	s138	PROPN
abrj-454	508	10	-	-	PUNCT
abrj-454	508	11	s149	s149	PROPN
abrj-454	508	12	.	.	PUNCT
abrj-454	509	1	https://doi.org/10.1509/jmkr.48.spl.s138	https://doi.org/10.1509/jmkr.48.spl.s138	PROPN
abrj-454	509	2	hibbert	hibbert	PROPN
abrj-454	509	3	,	,	PUNCT
abrj-454	509	4	j.	j.	PROPN
abrj-454	509	5	,	,	PUNCT
abrj-454	509	6	beutler	beutler	NOUN
abrj-454	509	7	,	,	PUNCT
abrj-454	509	8	i.	i.	PROPN
abrj-454	509	9	,	,	PUNCT
abrj-454	509	10	&	&	CCONJ
abrj-454	509	11	martin	martin	PROPN
abrj-454	509	12	,	,	PUNCT
abrj-454	509	13	t.	t.	PROPN
abrj-454	509	14	(	(	PUNCT
abrj-454	509	15	2012	2012	NUM
abrj-454	509	16	)	)	PUNCT
abrj-454	509	17	.	.	PUNCT
abrj-454	510	1	financial	financial	ADJ
abrj-454	510	2	prudence	prudence	NOUN
abrj-454	510	3	and	and	CCONJ
abrj-454	510	4	next	next	ADJ
abrj-454	510	5	generation	generation	NOUN
abrj-454	510	6	financial	financial	ADJ
abrj-454	510	7	strain	strain	NOUN
abrj-454	510	8	.	.	PUNCT
abrj-454	511	1	journal	journal	NOUN
abrj-454	511	2	of	of	ADP
abrj-454	511	3	financial	financial	ADJ
abrj-454	511	4	counseling	counseling	NOUN
abrj-454	511	5	and	and	CCONJ
abrj-454	511	6	planning	planning	NOUN
abrj-454	511	7	,	,	PUNCT
abrj-454	511	8	15(2	15(2	NUM
abrj-454	511	9	)	)	PUNCT
abrj-454	511	10	,	,	PUNCT
abrj-454	511	11	51	51	NUM
abrj-454	511	12	-	-	SYM
abrj-454	511	13	59	59	NUM
abrj-454	511	14	.	.	PUNCT
abrj-454	512	1	hu	hu	PROPN
abrj-454	512	2	,	,	PUNCT
abrj-454	512	3	l.	l.	PROPN
abrj-454	512	4	t.	t.	PROPN
abrj-454	512	5	,	,	PUNCT
abrj-454	512	6	&	&	CCONJ
abrj-454	512	7	bentler	bentler	NOUN
abrj-454	512	8	,	,	PUNCT
abrj-454	512	9	p.	p.	NOUN
abrj-454	512	10	m.	m.	NOUN
abrj-454	512	11	(	(	PUNCT
abrj-454	512	12	1999	1999	NUM
abrj-454	512	13	)	)	PUNCT
abrj-454	512	14	.	.	PUNCT
abrj-454	513	1	cutoff	cutoff	PROPN
abrj-454	513	2	criteria	criterion	NOUN
abrj-454	513	3	for	for	ADP
abrj-454	513	4	fit	fit	ADJ
abrj-454	513	5	indexes	index	NOUN
abrj-454	513	6	in	in	ADP
abrj-454	513	7	covariance	covariance	NOUN
abrj-454	513	8	structure	structure	NOUN
abrj-454	513	9	analysis	analysis	NOUN
abrj-454	513	10	:	:	PUNCT
abrj-454	513	11	conventional	conventional	ADJ
abrj-454	513	12	criteria	criterion	NOUN
abrj-454	513	13	versus	versus	ADP
abrj-454	513	14	new	new	ADJ
abrj-454	513	15	alternatives	alternative	NOUN
abrj-454	513	16	.	.	PUNCT
abrj-454	514	1	structural	structural	ADJ
abrj-454	514	2	equation	equation	NOUN
abrj-454	514	3	modeling	modeling	NOUN
abrj-454	514	4	:	:	PUNCT
abrj-454	514	5	a	a	DET
abrj-454	514	6	multidisciplinary	multidisciplinary	ADJ
abrj-454	514	7	journal	journal	NOUN
abrj-454	514	8	,	,	PUNCT
abrj-454	514	9	6(1	6(1	NUM
abrj-454	514	10	)	)	PUNCT
abrj-454	514	11	,	,	PUNCT
abrj-454	514	12	1	1	NUM
abrj-454	514	13	-	-	SYM
abrj-454	514	14	55	55	NUM
abrj-454	514	15	.	.	PUNCT
abrj-454	515	1	https://doi.org/10.1080/10705519909540118	https://doi.org/10.1080/10705519909540118	PROPN
abrj-454	515	2	hung	hung	PROPN
abrj-454	515	3	,	,	PUNCT
abrj-454	515	4	a.	a.	PROPN
abrj-454	515	5	,	,	PUNCT
abrj-454	515	6	parker	parker	PROPN
abrj-454	515	7	,	,	PUNCT
abrj-454	515	8	a.	a.	NOUN
abrj-454	515	9	m.	m.	NOUN
abrj-454	515	10	,	,	PUNCT
abrj-454	515	11	&	&	CCONJ
abrj-454	515	12	yoong	yoong	PROPN
abrj-454	515	13	,	,	PUNCT
abrj-454	515	14	j.	j.	PROPN
abrj-454	515	15	(	(	PUNCT
abrj-454	515	16	2009	2009	NUM
abrj-454	515	17	)	)	PUNCT
abrj-454	515	18	.	.	PUNCT
abrj-454	516	1	defining	define	VERB
abrj-454	516	2	and	and	CCONJ
abrj-454	516	3	measuring	measure	VERB
abrj-454	516	4	financial	financial	ADJ
abrj-454	516	5	literacy	literacy	NOUN
abrj-454	516	6	.	.	PUNCT
abrj-454	517	1	rand	rand	NOUN
abrj-454	517	2	working	working	PROPN
abrj-454	517	3	paper	paper	PROPN
abrj-454	517	4	series	series	PROPN
abrj-454	517	5	wr-708	wr-708	PROPN
abrj-454	517	6	.	.	PROPN
abrj-454	518	1	https://doi.org/10.2139/ssrn.1534171	https://doi.org/10.2139/ssrn.1534171	PROPN
abrj-454	518	2	huston	huston	PROPN
abrj-454	518	3	,	,	PUNCT
abrj-454	518	4	s.	s.	PROPN
abrj-454	518	5	j.	j.	PROPN
abrj-454	518	6	(	(	PUNCT
abrj-454	518	7	2010	2010	NUM
abrj-454	518	8	)	)	PUNCT
abrj-454	518	9	.	.	PUNCT
abrj-454	519	1	measuring	measure	VERB
abrj-454	519	2	financial	financial	ADJ
abrj-454	519	3	literacy	literacy	NOUN
abrj-454	519	4	.	.	PUNCT
abrj-454	520	1	journal	journal	NOUN
abrj-454	520	2	of	of	ADP
abrj-454	520	3	consumer	consumer	NOUN
abrj-454	520	4	affairs	affair	NOUN
abrj-454	520	5	,	,	PUNCT
abrj-454	520	6	44(2	44(2	NOUN
abrj-454	520	7	)	)	PUNCT
abrj-454	520	8	,	,	PUNCT
abrj-454	520	9	296	296	NUM
abrj-454	520	10	-	-	SYM
abrj-454	520	11	316	316	NUM
abrj-454	520	12	.	.	PUNCT
abrj-454	520	13	https://doi.org/10.1111/j.17456606.2010.01170.x	https://doi.org/10.1111/j.17456606.2010.01170.x	PROPN
abrj-454	521	1	huston	huston	PROPN
abrj-454	521	2	,	,	PUNCT
abrj-454	521	3	s.	s.	PROPN
abrj-454	521	4	j.	j.	PROPN
abrj-454	521	5	(	(	PUNCT
abrj-454	521	6	2012	2012	NUM
abrj-454	521	7	)	)	PUNCT
abrj-454	521	8	.	.	PUNCT
abrj-454	522	1	financial	financial	ADJ
abrj-454	522	2	literacy	literacy	NOUN
abrj-454	522	3	and	and	CCONJ
abrj-454	522	4	the	the	DET
abrj-454	522	5	cost	cost	NOUN
abrj-454	522	6	of	of	ADP
abrj-454	522	7	borrowing	borrowing	NOUN
abrj-454	522	8	.	.	PUNCT
abrj-454	523	1	international	international	ADJ
abrj-454	523	2	journal	journal	PROPN
abrj-454	523	3	of	of	ADP
abrj-454	523	4	consumer	consumer	NOUN
abrj-454	523	5	studies	study	NOUN
abrj-454	523	6	,	,	PUNCT
abrj-454	523	7	36(5	36(5	NUM
abrj-454	523	8	)	)	PUNCT
abrj-454	523	9	,	,	PUNCT
abrj-454	523	10	566	566	NUM
abrj-454	523	11	-	-	SYM
abrj-454	523	12	572	572	NUM
abrj-454	523	13	.	.	PUNCT
abrj-454	524	1	https://doi.org/10.1111/j.1470-6431.2012.01068.x	https://doi.org/10.1111/j.1470-6431.2012.01068.x	PROPN
abrj-454	524	2	iyer	iyer	PROPN
abrj-454	524	3	,	,	PUNCT
abrj-454	524	4	r.	r.	PROPN
abrj-454	524	5	,	,	PUNCT
abrj-454	524	6	khwaja	khwaja	PROPN
abrj-454	524	7	,	,	PUNCT
abrj-454	524	8	a.	a.	NOUN
abrj-454	524	9	i.	i.	PROPN
abrj-454	524	10	,	,	PUNCT
abrj-454	524	11	luttmer	luttmer	PROPN
abrj-454	524	12	,	,	PUNCT
abrj-454	524	13	e.	e.	PROPN
abrj-454	524	14	f.	f.	PROPN
abrj-454	524	15	,	,	PUNCT
abrj-454	524	16	&	&	CCONJ
abrj-454	524	17	shue	shue	PROPN
abrj-454	524	18	,	,	PUNCT
abrj-454	524	19	k.	k.	PROPN
abrj-454	524	20	(	(	PUNCT
abrj-454	524	21	2016	2016	NUM
abrj-454	524	22	)	)	PUNCT
abrj-454	524	23	.	.	PUNCT
abrj-454	525	1	screening	screen	VERB
abrj-454	525	2	peers	peer	NOUN
abrj-454	525	3	softly	softly	ADV
abrj-454	525	4	:	:	PUNCT
abrj-454	525	5	inferring	infer	VERB
abrj-454	525	6	the	the	DET
abrj-454	525	7	quality	quality	NOUN
abrj-454	525	8	of	of	ADP
abrj-454	525	9	small	small	ADJ
abrj-454	525	10	borrowers	borrower	NOUN
abrj-454	525	11	.	.	PUNCT
abrj-454	526	1	management	management	NOUN
abrj-454	526	2	science	science	NOUN
abrj-454	526	3	,	,	PUNCT
abrj-454	526	4	62(6	62(6	NOUN
abrj-454	526	5	)	)	PUNCT
abrj-454	526	6	,	,	PUNCT
abrj-454	526	7	1554	1554	NUM
abrj-454	526	8	-	-	SYM
abrj-454	526	9	1577	1577	NUM
abrj-454	526	10	.	.	PUNCT
abrj-454	527	1	https://doi.org/10.1287/mnsc.2016.2427	https://doi.org/10.1287/mnsc.2016.2427	PROPN
abrj-454	527	2	jack	jack	NOUN
abrj-454	527	3	,	,	PUNCT
abrj-454	527	4	w.	w.	PROPN
abrj-454	527	5	,	,	PUNCT
abrj-454	527	6	&	&	CCONJ
abrj-454	527	7	suri	suri	PROPN
abrj-454	527	8	,	,	PUNCT
abrj-454	527	9	t.	t.	PROPN
abrj-454	527	10	(	(	PUNCT
abrj-454	527	11	2014	2014	NUM
abrj-454	527	12	)	)	PUNCT
abrj-454	527	13	.	.	PUNCT
abrj-454	528	1	risk	risk	NOUN
abrj-454	528	2	sharing	sharing	NOUN
abrj-454	528	3	and	and	CCONJ
abrj-454	528	4	transactions	transaction	NOUN
abrj-454	528	5	costs	cost	NOUN
abrj-454	528	6	:	:	PUNCT
abrj-454	528	7	evidence	evidence	NOUN
abrj-454	528	8	from	from	ADP
abrj-454	528	9	kenya	kenya	PROPN
abrj-454	528	10	's	's	PART
abrj-454	528	11	mobile	mobile	ADJ
abrj-454	528	12	money	money	NOUN
abrj-454	528	13	revolution	revolution	NOUN
abrj-454	528	14	.	.	PUNCT
abrj-454	529	1	american	american	PROPN
abrj-454	529	2	economic	economic	PROPN
abrj-454	529	3	review	review	PROPN
abrj-454	529	4	,	,	PUNCT
abrj-454	529	5	104(1	104(1	NUM
abrj-454	529	6	)	)	PUNCT
abrj-454	529	7	,	,	PUNCT
abrj-454	529	8	183	183	NUM
abrj-454	529	9	-	-	SYM
abrj-454	529	10	223	223	NUM
abrj-454	529	11	.	.	PUNCT
abrj-454	530	1	https://doi.org/10.1257/aer.104.1.183	https://doi.org/10.1257/aer.104.1.183	PROPN
abrj-454	530	2	jarvis	jarvis	PROPN
abrj-454	530	3	,	,	PUNCT
abrj-454	530	4	c.	c.	PROPN
abrj-454	530	5	b.	b.	PROPN
abrj-454	530	6	,	,	PUNCT
abrj-454	530	7	mackenzie	mackenzie	PROPN
abrj-454	530	8	,	,	PUNCT
abrj-454	530	9	s.	s.	PROPN
abrj-454	530	10	b.	b.	PROPN
abrj-454	530	11	,	,	PUNCT
abrj-454	530	12	&	&	CCONJ
abrj-454	530	13	podsakoff	podsakoff	PROPN
abrj-454	530	14	,	,	PUNCT
abrj-454	530	15	p.	p.	NOUN
abrj-454	530	16	m.	m.	NOUN
abrj-454	530	17	(	(	PUNCT
abrj-454	530	18	2003	2003	NUM
abrj-454	530	19	)	)	PUNCT
abrj-454	530	20	.	.	PUNCT
abrj-454	531	1	a	a	DET
abrj-454	531	2	critical	critical	ADJ
abrj-454	531	3	review	review	NOUN
abrj-454	531	4	of	of	ADP
abrj-454	531	5	construct	construct	NOUN
abrj-454	531	6	indicators	indicator	NOUN
abrj-454	531	7	and	and	CCONJ
abrj-454	531	8	measurement	measurement	NOUN
abrj-454	531	9	model	model	NOUN
abrj-454	531	10	misspecification	misspecification	NOUN
abrj-454	531	11	in	in	ADP
abrj-454	531	12	marketing	marketing	NOUN
abrj-454	531	13	and	and	CCONJ
abrj-454	531	14	consumer	consumer	NOUN
abrj-454	531	15	research	research	NOUN
abrj-454	531	16	.	.	PUNCT
abrj-454	532	1	journal	journal	NOUN
abrj-454	532	2	of	of	ADP
abrj-454	532	3	consumer	consumer	NOUN
abrj-454	532	4	research	research	NOUN
abrj-454	532	5	,	,	PUNCT
abrj-454	532	6	30(2	30(2	NUM
abrj-454	532	7	)	)	PUNCT
abrj-454	532	8	,	,	PUNCT
abrj-454	532	9	199	199	NUM
abrj-454	532	10	-	-	SYM
abrj-454	532	11	218	218	NUM
abrj-454	532	12	.	.	PUNCT
abrj-454	533	1	https://doi.org/10.1086/376808	https://doi.org/10.1086/376808	PROPN
abrj-454	533	2	johnson	johnson	PROPN
abrj-454	533	3	,	,	PUNCT
abrj-454	533	4	e.	e.	PROPN
abrj-454	533	5	,	,	PUNCT
abrj-454	533	6	&	&	CCONJ
abrj-454	533	7	sherraden	sherraden	PROPN
abrj-454	533	8	,	,	PUNCT
abrj-454	533	9	m.	m.	NOUN
abrj-454	533	10	s.	s.	PROPN
abrj-454	533	11	(	(	PUNCT
abrj-454	533	12	2007	2007	NUM
abrj-454	533	13	)	)	PUNCT
abrj-454	533	14	.	.	PUNCT
abrj-454	534	1	from	from	ADP
abrj-454	534	2	financial	financial	ADJ
abrj-454	534	3	literacy	literacy	NOUN
abrj-454	534	4	to	to	ADP
abrj-454	534	5	financial	financial	ADJ
abrj-454	534	6	capability	capability	NOUN
abrj-454	534	7	among	among	ADP
abrj-454	534	8	youth	youth	NOUN
abrj-454	534	9	.	.	PUNCT
abrj-454	535	1	journal	journal	PROPN
abrj-454	535	2	of	of	ADP
abrj-454	535	3	sociology	sociology	NOUN
abrj-454	535	4	&	&	CCONJ
abrj-454	535	5	social	social	ADJ
abrj-454	535	6	welfare	welfare	NOUN
abrj-454	535	7	,	,	PUNCT
abrj-454	535	8	34	34	NUM
abrj-454	535	9	,	,	PUNCT
abrj-454	535	10	119	119	NUM
abrj-454	535	11	-	-	SYM
abrj-454	535	12	146	146	NUM
abrj-454	535	13	.	.	PUNCT
abrj-454	536	1	kawai	kawai	PROPN
abrj-454	536	2	,	,	PUNCT
abrj-454	536	3	k.	k.	PROPN
abrj-454	536	4	,	,	PUNCT
abrj-454	536	5	onishi	onishi	PROPN
abrj-454	536	6	,	,	PUNCT
abrj-454	536	7	k.	k.	PROPN
abrj-454	536	8	,	,	PUNCT
abrj-454	536	9	&	&	CCONJ
abrj-454	536	10	uetake	uetake	PROPN
abrj-454	536	11	,	,	PUNCT
abrj-454	536	12	k.	k.	PROPN
abrj-454	536	13	(	(	PUNCT
abrj-454	536	14	2013	2013	NUM
abrj-454	536	15	)	)	PUNCT
abrj-454	536	16	.	.	PUNCT
abrj-454	537	1	signaling	signal	VERB
abrj-454	537	2	in	in	ADP
abrj-454	537	3	online	online	ADJ
abrj-454	537	4	credit	credit	NOUN
abrj-454	537	5	markets	market	NOUN
abrj-454	537	6	.	.	PUNCT
abrj-454	538	1	nyu	nyu	PROPN
abrj-454	538	2	working	working	PROPN
abrj-454	538	3	paper	paper	NOUN
abrj-454	538	4	.	.	PUNCT
abrj-454	539	1	https://doi.org/10.2139/ssrn.2234875	https://doi.org/10.2139/ssrn.2234875	X
abrj-454	539	2	asian	asian	PROPN
abrj-454	539	3	business	business	NOUN
abrj-454	539	4	research	research	NOUN
abrj-454	539	5	journal	journal	NOUN
abrj-454	539	6	,	,	PUNCT
abrj-454	539	7	2025	2025	NUM
abrj-454	539	8	,	,	PUNCT
abrj-454	539	9	10(5	10(5	NUM
abrj-454	539	10	):	):	PUNCT
abrj-454	539	11	106	106	NUM
abrj-454	539	12	-	-	SYM
abrj-454	539	13	119	119	NUM
abrj-454	539	14	119	119	NUM
abrj-454	539	15	©	©	PROPN
abrj-454	539	16	2025	2025	NUM
abrj-454	539	17	by	by	ADP
abrj-454	539	18	the	the	DET
abrj-454	539	19	author	author	NOUN
abrj-454	539	20	;	;	PUNCT
abrj-454	539	21	licensee	licensee	NOUN
abrj-454	539	22	eastern	eastern	ADJ
abrj-454	539	23	centre	centre	NOUN
abrj-454	539	24	of	of	ADP
abrj-454	539	25	science	science	NOUN
abrj-454	539	26	and	and	CCONJ
abrj-454	539	27	education	education	NOUN
abrj-454	539	28	,	,	PUNCT
abrj-454	539	29	usa	usa	PROPN
abrj-454	539	30	klapper	klapper	PROPN
abrj-454	539	31	,	,	PUNCT
abrj-454	539	32	l.	l.	PROPN
abrj-454	539	33	,	,	PUNCT
abrj-454	539	34	lusardi	lusardi	PROPN
abrj-454	539	35	,	,	PUNCT
abrj-454	539	36	a.	a.	PROPN
abrj-454	539	37	,	,	PUNCT
abrj-454	539	38	&	&	CCONJ
abrj-454	539	39	van	van	PROPN
abrj-454	539	40	oudheusden	oudheusden	PROPN
abrj-454	539	41	,	,	PUNCT
abrj-454	539	42	p.	p.	NOUN
abrj-454	539	43	(	(	PUNCT
abrj-454	539	44	2015	2015	NUM
abrj-454	539	45	)	)	PUNCT
abrj-454	539	46	.	.	PUNCT
abrj-454	540	1	financial	financial	ADJ
abrj-454	540	2	literacy	literacy	NOUN
abrj-454	540	3	around	around	ADP
abrj-454	540	4	the	the	DET
abrj-454	540	5	world	world	NOUN
abrj-454	540	6	.	.	PUNCT
abrj-454	541	1	standard	standard	PROPN
abrj-454	541	2	&	&	CCONJ
abrj-454	541	3	poor	poor	PROPN
abrj-454	541	4	's	's	PART
abrj-454	541	5	ratings	rating	NOUN
abrj-454	541	6	services	service	NOUN
abrj-454	541	7	global	global	ADJ
abrj-454	541	8	financial	financial	ADJ
abrj-454	541	9	literacy	literacy	NOUN
abrj-454	541	10	survey	survey	NOUN
abrj-454	541	11	.	.	PUNCT
abrj-454	542	1	https://doi.org/10.2139/ssrn.2236881	https://doi.org/10.2139/ssrn.2236881	PROPN
abrj-454	542	2	lee	lee	PROPN
abrj-454	542	3	,	,	PUNCT
abrj-454	542	4	e.	e.	PROPN
abrj-454	542	5	,	,	PUNCT
abrj-454	542	6	&	&	CCONJ
abrj-454	542	7	lee	lee	PROPN
abrj-454	542	8	,	,	PUNCT
abrj-454	542	9	b.	b.	PROPN
abrj-454	542	10	(	(	PUNCT
abrj-454	542	11	2012	2012	NUM
abrj-454	542	12	)	)	PUNCT
abrj-454	542	13	.	.	PUNCT
abrj-454	543	1	herding	herd	VERB
abrj-454	543	2	behavior	behavior	NOUN
abrj-454	543	3	in	in	ADP
abrj-454	543	4	online	online	ADJ
abrj-454	543	5	p2p	p2p	NOUN
abrj-454	543	6	lending	lending	NOUN
abrj-454	543	7	:	:	PUNCT
abrj-454	543	8	an	an	DET
abrj-454	543	9	empirical	empirical	ADJ
abrj-454	543	10	investigation	investigation	NOUN
abrj-454	543	11	.	.	PUNCT
abrj-454	544	1	electronic	electronic	ADJ
abrj-454	544	2	commerce	commerce	NOUN
abrj-454	544	3	research	research	NOUN
abrj-454	544	4	and	and	CCONJ
abrj-454	544	5	applications	application	NOUN
abrj-454	544	6	,	,	PUNCT
abrj-454	544	7	11(5	11(5	NUM
abrj-454	544	8	)	)	PUNCT
abrj-454	544	9	,	,	PUNCT
abrj-454	544	10	495	495	NUM
abrj-454	544	11	-	-	SYM
abrj-454	544	12	503	503	NUM
abrj-454	544	13	.	.	PUNCT
abrj-454	544	14	https://doi.org/10.1016/j.elerap.2012.04.004	https://doi.org/10.1016/j.elerap.2012.04.004	PROPN
abrj-454	544	15	lee	lee	PROPN
abrj-454	544	16	,	,	PUNCT
abrj-454	544	17	i.	i.	PROPN
abrj-454	544	18	,	,	PUNCT
abrj-454	544	19	&	&	CCONJ
abrj-454	544	20	shin	shin	PROPN
abrj-454	544	21	,	,	PUNCT
abrj-454	544	22	y.	y.	PROPN
abrj-454	544	23	j.	j.	PROPN
abrj-454	544	24	(	(	PUNCT
abrj-454	544	25	2018	2018	NUM
abrj-454	544	26	)	)	PUNCT
abrj-454	544	27	.	.	PUNCT
abrj-454	545	1	fintech	fintech	NOUN
abrj-454	545	2	:	:	PUNCT
abrj-454	545	3	ecosystem	ecosystem	NOUN
abrj-454	545	4	,	,	PUNCT
abrj-454	545	5	business	business	NOUN
abrj-454	545	6	models	model	NOUN
abrj-454	545	7	,	,	PUNCT
abrj-454	545	8	investment	investment	NOUN
abrj-454	545	9	decisions	decision	NOUN
abrj-454	545	10	,	,	PUNCT
abrj-454	545	11	and	and	CCONJ
abrj-454	545	12	challenges	challenge	NOUN
abrj-454	545	13	.	.	PUNCT
abrj-454	546	1	business	business	NOUN
abrj-454	546	2	horizons	horizon	NOUN
abrj-454	546	3	,	,	PUNCT
abrj-454	546	4	61(1	61(1	NOUN
abrj-454	546	5	)	)	PUNCT
abrj-454	546	6	,	,	PUNCT
abrj-454	546	7	35	35	NUM
abrj-454	546	8	-	-	SYM
abrj-454	546	9	46	46	NUM
abrj-454	546	10	.	.	PUNCT
abrj-454	547	1	https://doi.org/10.1016/j.bushor.2017.09.003	https://doi.org/10.1016/j.bushor.2017.09.003	PROPN
abrj-454	547	2	lin	lin	PROPN
abrj-454	547	3	,	,	PUNCT
abrj-454	547	4	m.	m.	NOUN
abrj-454	547	5	,	,	PUNCT
abrj-454	547	6	prabhala	prabhala	NOUN
abrj-454	547	7	,	,	PUNCT
abrj-454	547	8	n.	n.	PROPN
abrj-454	547	9	r.	r.	PROPN
abrj-454	547	10	,	,	PUNCT
abrj-454	547	11	&	&	CCONJ
abrj-454	547	12	viswanathan	viswanathan	PROPN
abrj-454	547	13	,	,	PUNCT
abrj-454	547	14	s.	s.	PROPN
abrj-454	547	15	(	(	PUNCT
abrj-454	547	16	2013	2013	NUM
abrj-454	547	17	)	)	PUNCT
abrj-454	547	18	.	.	PUNCT
abrj-454	548	1	judging	judge	VERB
abrj-454	548	2	borrowers	borrower	NOUN
abrj-454	548	3	by	by	ADP
abrj-454	548	4	the	the	DET
abrj-454	548	5	company	company	NOUN
abrj-454	548	6	they	they	PRON
abrj-454	548	7	keep	keep	VERB
abrj-454	548	8	:	:	PUNCT
abrj-454	548	9	friendship	friendship	NOUN
abrj-454	548	10	networks	network	NOUN
abrj-454	548	11	and	and	CCONJ
abrj-454	548	12	information	information	NOUN
abrj-454	548	13	asymmetry	asymmetry	NOUN
abrj-454	548	14	in	in	ADP
abrj-454	548	15	online	online	ADJ
abrj-454	548	16	peer	peer	NOUN
abrj-454	548	17	-	-	PUNCT
abrj-454	548	18	to	to	ADP
abrj-454	548	19	-	-	PUNCT
abrj-454	548	20	peer	peer	NOUN
abrj-454	548	21	lending	lending	NOUN
abrj-454	548	22	.	.	PUNCT
abrj-454	549	1	management	management	NOUN
abrj-454	549	2	science	science	NOUN
abrj-454	549	3	,	,	PUNCT
abrj-454	549	4	59(1	59(1	NUM
abrj-454	549	5	)	)	PUNCT
abrj-454	549	6	,	,	PUNCT
abrj-454	549	7	17	17	NUM
abrj-454	549	8	-	-	SYM
abrj-454	549	9	35	35	NUM
abrj-454	549	10	.	.	PUNCT
abrj-454	550	1	https://doi.org/10.1287/mnsc.1120.1634	https://doi.org/10.1287/mnsc.1120.1634	PROPN
abrj-454	550	2	lusardi	lusardi	PROPN
abrj-454	550	3	,	,	PUNCT
abrj-454	550	4	a.	a.	PROPN
abrj-454	550	5	,	,	PUNCT
abrj-454	550	6	&	&	CCONJ
abrj-454	550	7	mitchell	mitchell	PROPN
abrj-454	550	8	,	,	PUNCT
abrj-454	550	9	o.	o.	PROPN
abrj-454	550	10	s.	s.	PROPN
abrj-454	550	11	(	(	PUNCT
abrj-454	550	12	2011	2011	NUM
abrj-454	550	13	)	)	PUNCT
abrj-454	550	14	.	.	PUNCT
abrj-454	551	1	financial	financial	ADJ
abrj-454	551	2	literacy	literacy	NOUN
abrj-454	551	3	around	around	ADP
abrj-454	551	4	the	the	DET
abrj-454	551	5	world	world	NOUN
abrj-454	551	6	:	:	PUNCT
abrj-454	551	7	an	an	DET
abrj-454	551	8	overview	overview	NOUN
abrj-454	551	9	.	.	PUNCT
abrj-454	552	1	journal	journal	NOUN
abrj-454	552	2	of	of	ADP
abrj-454	552	3	pension	pension	NOUN
abrj-454	552	4	economics	economic	NOUN
abrj-454	552	5	&	&	CCONJ
abrj-454	552	6	finance	finance	PROPN
abrj-454	552	7	,	,	PUNCT
abrj-454	552	8	10(4	10(4	NUM
abrj-454	552	9	)	)	PUNCT
abrj-454	552	10	,	,	PUNCT
abrj-454	552	11	497508	497508	NUM
abrj-454	552	12	.	.	PUNCT
abrj-454	553	1	https://doi.org/10.1017/s1474747211000448	https://doi.org/10.1017/s1474747211000448	NUM
abrj-454	553	2	lusardi	lusardi	PROPN
abrj-454	553	3	,	,	PUNCT
abrj-454	553	4	a.	a.	PROPN
abrj-454	553	5	,	,	PUNCT
abrj-454	553	6	&	&	CCONJ
abrj-454	553	7	mitchell	mitchell	PROPN
abrj-454	553	8	,	,	PUNCT
abrj-454	553	9	o.	o.	PROPN
abrj-454	553	10	s.	s.	PROPN
abrj-454	553	11	(	(	PUNCT
abrj-454	553	12	2014	2014	NUM
abrj-454	553	13	)	)	PUNCT
abrj-454	553	14	.	.	PUNCT
abrj-454	554	1	the	the	DET
abrj-454	554	2	economic	economic	ADJ
abrj-454	554	3	importance	importance	NOUN
abrj-454	554	4	of	of	ADP
abrj-454	554	5	financial	financial	ADJ
abrj-454	554	6	literacy	literacy	NOUN
abrj-454	554	7	:	:	PUNCT
abrj-454	554	8	theory	theory	NOUN
abrj-454	554	9	and	and	CCONJ
abrj-454	554	10	evidence	evidence	NOUN
abrj-454	554	11	.	.	PUNCT
abrj-454	555	1	journal	journal	NOUN
abrj-454	555	2	of	of	ADP
abrj-454	555	3	economic	economic	ADJ
abrj-454	555	4	literature	literature	NOUN
abrj-454	555	5	,	,	PUNCT
abrj-454	555	6	52(1	52(1	NOUN
abrj-454	555	7	)	)	PUNCT
abrj-454	555	8	,	,	PUNCT
abrj-454	555	9	5	5	NUM
abrj-454	555	10	-	-	SYM
abrj-454	555	11	44	44	NUM
abrj-454	555	12	.	.	PUNCT
abrj-454	556	1	https://doi.org/10.1257/jel.52.1.5	https://doi.org/10.1257/jel.52.1.5	PROPN
abrj-454	556	2	malhotra	malhotra	PROPN
abrj-454	556	3	,	,	PUNCT
abrj-454	556	4	y.	y.	PROPN
abrj-454	556	5	,	,	PUNCT
abrj-454	556	6	galletta	galletta	NOUN
abrj-454	556	7	,	,	PUNCT
abrj-454	556	8	d.	d.	PROPN
abrj-454	556	9	f.	f.	PROPN
abrj-454	556	10	,	,	PUNCT
abrj-454	556	11	&	&	CCONJ
abrj-454	556	12	kirsch	kirsch	PROPN
abrj-454	556	13	,	,	PUNCT
abrj-454	556	14	l.	l.	PROPN
abrj-454	556	15	j.	j.	PROPN
abrj-454	556	16	(	(	PUNCT
abrj-454	556	17	2008	2008	NUM
abrj-454	556	18	)	)	PUNCT
abrj-454	556	19	.	.	PUNCT
abrj-454	557	1	how	how	SCONJ
abrj-454	557	2	endogenous	endogenous	ADJ
abrj-454	557	3	motivations	motivation	NOUN
abrj-454	557	4	influence	influence	NOUN
abrj-454	557	5	user	user	NOUN
abrj-454	557	6	intentions	intention	VERB
abrj-454	557	7	:	:	PUNCT
abrj-454	557	8	beyond	beyond	ADP
abrj-454	557	9	the	the	DET
abrj-454	557	10	dichotomy	dichotomy	NOUN
abrj-454	557	11	of	of	ADP
abrj-454	557	12	extrinsic	extrinsic	ADJ
abrj-454	557	13	and	and	CCONJ
abrj-454	557	14	intrinsic	intrinsic	ADJ
abrj-454	557	15	user	user	NOUN
abrj-454	557	16	motivations	motivation	NOUN
abrj-454	557	17	.	.	PUNCT
abrj-454	558	1	journal	journal	PROPN
abrj-454	558	2	of	of	ADP
abrj-454	558	3	management	management	NOUN
abrj-454	558	4	information	information	NOUN
abrj-454	558	5	systems	system	NOUN
abrj-454	558	6	,	,	PUNCT
abrj-454	558	7	25(1	25(1	NUM
abrj-454	558	8	)	)	PUNCT
abrj-454	558	9	,	,	PUNCT
abrj-454	558	10	267	267	NUM
abrj-454	558	11	-	-	SYM
abrj-454	558	12	300	300	NUM
abrj-454	558	13	.	.	PUNCT
abrj-454	559	1	https://doi.org/10.2753/mis0742-1222250109	https://doi.org/10.2753/mis0742-1222250109	VERB
abrj-454	559	2	mcknight	mcknight	PROPN
abrj-454	559	3	,	,	PUNCT
abrj-454	559	4	d.	d.	PROPN
abrj-454	559	5	h.	h.	PROPN
abrj-454	559	6	,	,	PUNCT
abrj-454	559	7	choudhury	choudhury	PROPN
abrj-454	559	8	,	,	PUNCT
abrj-454	559	9	v.	v.	PROPN
abrj-454	559	10	,	,	PUNCT
abrj-454	559	11	&	&	CCONJ
abrj-454	559	12	kacmar	kacmar	PROPN
abrj-454	559	13	,	,	PUNCT
abrj-454	559	14	c.	c.	PROPN
abrj-454	559	15	(	(	PUNCT
abrj-454	559	16	2002	2002	NUM
abrj-454	559	17	)	)	PUNCT
abrj-454	559	18	.	.	PUNCT
abrj-454	560	1	developing	develop	VERB
abrj-454	560	2	and	and	CCONJ
abrj-454	560	3	validating	validate	VERB
abrj-454	560	4	trust	trust	NOUN
abrj-454	560	5	measures	measure	NOUN
abrj-454	560	6	for	for	ADP
abrj-454	560	7	e	e	NOUN
abrj-454	560	8	-	-	NOUN
abrj-454	560	9	commerce	commerce	NOUN
abrj-454	560	10	:	:	PUNCT
abrj-454	560	11	an	an	DET
abrj-454	560	12	integrative	integrative	ADJ
abrj-454	560	13	typology	typology	NOUN
abrj-454	560	14	.	.	PUNCT
abrj-454	561	1	information	information	NOUN
abrj-454	561	2	systems	system	NOUN
abrj-454	561	3	research	research	NOUN
abrj-454	561	4	,	,	PUNCT
abrj-454	561	5	13(3	13(3	NUM
abrj-454	561	6	)	)	PUNCT
abrj-454	561	7	,	,	PUNCT
abrj-454	561	8	334	334	NUM
abrj-454	561	9	-	-	SYM
abrj-454	561	10	359	359	NUM
abrj-454	561	11	.	.	PUNCT
abrj-454	562	1	https://doi.org/10.1287/isre.13.3.334.81	https://doi.org/10.1287/isre.13.3.334.81	PROPN
abrj-454	562	2	meier	meier	PROPN
abrj-454	562	3	,	,	PUNCT
abrj-454	562	4	s.	s.	PROPN
abrj-454	562	5	,	,	PUNCT
abrj-454	562	6	&	&	CCONJ
abrj-454	562	7	sprenger	sprenger	PROPN
abrj-454	562	8	,	,	PUNCT
abrj-454	562	9	c.	c.	PROPN
abrj-454	562	10	(	(	PUNCT
abrj-454	562	11	2013	2013	NUM
abrj-454	562	12	)	)	PUNCT
abrj-454	562	13	.	.	PUNCT
abrj-454	563	1	discounting	discount	VERB
abrj-454	563	2	financial	financial	ADJ
abrj-454	563	3	literacy	literacy	NOUN
abrj-454	563	4	:	:	PUNCT
abrj-454	563	5	time	time	NOUN
abrj-454	563	6	preferences	preference	NOUN
abrj-454	563	7	and	and	CCONJ
abrj-454	563	8	participation	participation	NOUN
abrj-454	563	9	in	in	ADP
abrj-454	563	10	financial	financial	ADJ
abrj-454	563	11	education	education	NOUN
abrj-454	563	12	programs	program	NOUN
abrj-454	563	13	.	.	PUNCT
abrj-454	564	1	journal	journal	NOUN
abrj-454	564	2	of	of	ADP
abrj-454	564	3	economic	economic	ADJ
abrj-454	564	4	behavior	behavior	NOUN
abrj-454	564	5	&	&	CCONJ
abrj-454	564	6	organization	organization	PROPN
abrj-454	564	7	,	,	PUNCT
abrj-454	564	8	95	95	NUM
abrj-454	564	9	,	,	PUNCT
abrj-454	564	10	159	159	NUM
abrj-454	564	11	-	-	SYM
abrj-454	564	12	174	174	NUM
abrj-454	564	13	.	.	PUNCT
abrj-454	565	1	https://doi.org/10.1016/j.jebo.2013.09.002	https://doi.org/10.1016/j.jebo.2013.09.002	NUM
abrj-454	565	2	moore	moore	PROPN
abrj-454	565	3	,	,	PUNCT
abrj-454	565	4	g.	g.	PROPN
abrj-454	565	5	c.	c.	PROPN
abrj-454	565	6	,	,	PUNCT
abrj-454	565	7	&	&	CCONJ
abrj-454	565	8	benbasat	benbasat	PROPN
abrj-454	565	9	,	,	PUNCT
abrj-454	565	10	i.	i.	NOUN
abrj-454	565	11	(	(	PUNCT
abrj-454	565	12	1991	1991	NUM
abrj-454	565	13	)	)	PUNCT
abrj-454	565	14	.	.	PUNCT
abrj-454	566	1	development	development	NOUN
abrj-454	566	2	of	of	ADP
abrj-454	566	3	an	an	DET
abrj-454	566	4	instrument	instrument	NOUN
abrj-454	566	5	to	to	PART
abrj-454	566	6	measure	measure	VERB
abrj-454	566	7	the	the	DET
abrj-454	566	8	perceptions	perception	NOUN
abrj-454	566	9	of	of	ADP
abrj-454	566	10	adopting	adopt	VERB
abrj-454	566	11	an	an	DET
abrj-454	566	12	information	information	NOUN
abrj-454	566	13	technology	technology	NOUN
abrj-454	566	14	innovation	innovation	NOUN
abrj-454	566	15	.	.	PUNCT
abrj-454	567	1	information	information	NOUN
abrj-454	567	2	systems	system	NOUN
abrj-454	567	3	research	research	NOUN
abrj-454	567	4	,	,	PUNCT
abrj-454	567	5	2(3	2(3	NUM
abrj-454	567	6	)	)	PUNCT
abrj-454	567	7	,	,	PUNCT
abrj-454	567	8	192	192	NUM
abrj-454	567	9	-	-	SYM
abrj-454	567	10	222	222	NUM
abrj-454	567	11	.	.	PUNCT
abrj-454	568	1	https://doi.org/10.1287/isre.2.3.192	https://doi.org/10.1287/isre.2.3.192	PROPN
abrj-454	568	2	nicolini	nicolini	PROPN
abrj-454	568	3	,	,	PUNCT
abrj-454	568	4	g.	g.	PROPN
abrj-454	568	5	,	,	PUNCT
abrj-454	568	6	cude	cude	ADJ
abrj-454	568	7	,	,	PUNCT
abrj-454	568	8	b.	b.	PROPN
abrj-454	568	9	j.	j.	PROPN
abrj-454	568	10	,	,	PUNCT
abrj-454	568	11	&	&	CCONJ
abrj-454	568	12	chatterjee	chatterjee	PROPN
abrj-454	568	13	,	,	PUNCT
abrj-454	568	14	s.	s.	PROPN
abrj-454	568	15	(	(	PUNCT
abrj-454	568	16	2013	2013	NUM
abrj-454	568	17	)	)	PUNCT
abrj-454	568	18	.	.	PUNCT
abrj-454	569	1	financial	financial	ADJ
abrj-454	569	2	literacy	literacy	NOUN
abrj-454	569	3	:	:	PUNCT
abrj-454	569	4	a	a	DET
abrj-454	569	5	comparative	comparative	ADJ
abrj-454	569	6	study	study	NOUN
abrj-454	569	7	across	across	ADP
abrj-454	569	8	four	four	NUM
abrj-454	569	9	countries	country	NOUN
abrj-454	569	10	.	.	PUNCT
abrj-454	570	1	international	international	ADJ
abrj-454	570	2	journal	journal	PROPN
abrj-454	570	3	of	of	ADP
abrj-454	570	4	consumer	consumer	NOUN
abrj-454	570	5	studies	study	NOUN
abrj-454	570	6	,	,	PUNCT
abrj-454	570	7	37(6	37(6	NUM
abrj-454	570	8	)	)	PUNCT
abrj-454	570	9	,	,	PUNCT
abrj-454	570	10	689	689	NUM
abrj-454	570	11	-	-	SYM
abrj-454	570	12	705	705	NUM
abrj-454	570	13	.	.	PUNCT
abrj-454	571	1	https://doi.org/10.1111/j.1470-6431.2012.01129.x	https://doi.org/10.1111/j.1470-6431.2012.01129.x	PROPN
abrj-454	571	2	podsakoff	podsakoff	PROPN
abrj-454	571	3	,	,	PUNCT
abrj-454	571	4	p.	p.	NOUN
abrj-454	571	5	m.	m.	NOUN
abrj-454	571	6	,	,	PUNCT
abrj-454	571	7	mackenzie	mackenzie	PROPN
abrj-454	571	8	,	,	PUNCT
abrj-454	571	9	s.	s.	PROPN
abrj-454	571	10	b.	b.	PROPN
abrj-454	571	11	,	,	PUNCT
abrj-454	571	12	lee	lee	PROPN
abrj-454	571	13	,	,	PUNCT
abrj-454	571	14	j.	j.	PROPN
abrj-454	571	15	y.	y.	PROPN
abrj-454	571	16	,	,	PUNCT
abrj-454	571	17	&	&	CCONJ
abrj-454	571	18	podsakoff	podsakoff	PROPN
abrj-454	571	19	,	,	PUNCT
abrj-454	571	20	n.	n.	PROPN
abrj-454	571	21	p.	p.	PROPN
abrj-454	571	22	(	(	PUNCT
abrj-454	571	23	2003	2003	NUM
abrj-454	571	24	)	)	PUNCT
abrj-454	571	25	.	.	PUNCT
abrj-454	572	1	common	common	ADJ
abrj-454	572	2	method	method	NOUN
abrj-454	572	3	biases	bias	NOUN
abrj-454	572	4	in	in	ADP
abrj-454	572	5	behavioral	behavioral	ADJ
abrj-454	572	6	research	research	NOUN
abrj-454	572	7	:	:	PUNCT
abrj-454	572	8	a	a	DET
abrj-454	572	9	critical	critical	ADJ
abrj-454	572	10	review	review	NOUN
abrj-454	572	11	of	of	ADP
abrj-454	572	12	the	the	DET
abrj-454	572	13	literature	literature	NOUN
abrj-454	572	14	and	and	CCONJ
abrj-454	572	15	recommended	recommend	VERB
abrj-454	572	16	remedies	remedy	NOUN
abrj-454	572	17	.	.	PUNCT
abrj-454	573	1	journal	journal	NOUN
abrj-454	573	2	of	of	ADP
abrj-454	573	3	applied	apply	VERB
abrj-454	573	4	psychology	psychology	NOUN
abrj-454	573	5	,	,	PUNCT
abrj-454	573	6	88(5	88(5	PROPN
abrj-454	573	7	)	)	PUNCT
abrj-454	573	8	,	,	PUNCT
abrj-454	573	9	879	879	NUM
abrj-454	573	10	-	-	SYM
abrj-454	573	11	903	903	NUM
abrj-454	573	12	.	.	PUNCT
abrj-454	574	1	https://doi.org/10.1037/00219010.88.5.879	https://doi.org/10.1037/00219010.88.5.879	ADJ
abrj-454	574	2	pope	pope	NOUN
abrj-454	574	3	,	,	PUNCT
abrj-454	574	4	d.	d.	PROPN
abrj-454	574	5	g.	g.	PROPN
abrj-454	574	6	,	,	PUNCT
abrj-454	574	7	&	&	CCONJ
abrj-454	574	8	sydnor	sydnor	PROPN
abrj-454	574	9	,	,	PUNCT
abrj-454	574	10	j.	j.	PROPN
abrj-454	574	11	r.	r.	PROPN
abrj-454	574	12	(	(	PUNCT
abrj-454	574	13	2011	2011	NUM
abrj-454	574	14	)	)	PUNCT
abrj-454	574	15	.	.	PUNCT
abrj-454	575	1	what	what	PRON
abrj-454	575	2	's	be	AUX
abrj-454	575	3	in	in	ADP
abrj-454	575	4	a	a	DET
abrj-454	575	5	picture	picture	NOUN
abrj-454	575	6	?	?	PUNCT
abrj-454	576	1	evidence	evidence	NOUN
abrj-454	576	2	of	of	ADP
abrj-454	576	3	discrimination	discrimination	NOUN
abrj-454	576	4	from	from	ADP
abrj-454	576	5	prosper.com	prosper.com	PROPN
abrj-454	576	6	.	.	PROPN
abrj-454	576	7	journal	journal	PROPN
abrj-454	576	8	of	of	ADP
abrj-454	576	9	human	human	ADJ
abrj-454	576	10	resources	resource	NOUN
abrj-454	576	11	,	,	PUNCT
abrj-454	576	12	46(1	46(1	PROPN
abrj-454	576	13	)	)	PUNCT
abrj-454	576	14	,	,	PUNCT
abrj-454	576	15	5392	5392	NUM
abrj-454	576	16	.	.	PUNCT
abrj-454	577	1	https://doi.org/10.3368/jhr.46.1.53	https://doi.org/10.3368/jhr.46.1.53	PROPN
abrj-454	577	2	potrich	potrich	PROPN
abrj-454	577	3	,	,	PUNCT
abrj-454	577	4	a.	a.	PROPN
abrj-454	577	5	c.	c.	PROPN
abrj-454	577	6	g.	g.	PROPN
abrj-454	577	7	,	,	PUNCT
abrj-454	577	8	vieira	vieira	PROPN
abrj-454	577	9	,	,	PUNCT
abrj-454	577	10	k.	k.	PROPN
abrj-454	577	11	m.	m.	PROPN
abrj-454	577	12	,	,	PUNCT
abrj-454	577	13	&	&	CCONJ
abrj-454	577	14	kirch	kirch	PROPN
abrj-454	577	15	,	,	PUNCT
abrj-454	577	16	g.	g.	PROPN
abrj-454	577	17	(	(	PUNCT
abrj-454	577	18	2016	2016	NUM
abrj-454	577	19	)	)	PUNCT
abrj-454	577	20	.	.	PUNCT
abrj-454	578	1	determinants	determinant	NOUN
abrj-454	578	2	of	of	ADP
abrj-454	578	3	financial	financial	ADJ
abrj-454	578	4	literacy	literacy	NOUN
abrj-454	578	5	:	:	PUNCT
abrj-454	578	6	analysis	analysis	NOUN
abrj-454	578	7	of	of	ADP
abrj-454	578	8	the	the	DET
abrj-454	578	9	influence	influence	NOUN
abrj-454	578	10	of	of	ADP
abrj-454	578	11	socioeconomic	socioeconomic	ADJ
abrj-454	578	12	and	and	CCONJ
abrj-454	578	13	demographic	demographic	ADJ
abrj-454	578	14	variables	variable	NOUN
abrj-454	578	15	.	.	PUNCT
abrj-454	579	1	revista	revista	PROPN
abrj-454	579	2	contabilidade	contabilidade	PROPN
abrj-454	579	3	&	&	CCONJ
abrj-454	579	4	finanças	finanças	NOUN
abrj-454	579	5	,	,	PUNCT
abrj-454	579	6	27(71	27(71	NOUN
abrj-454	579	7	)	)	PUNCT
abrj-454	579	8	,	,	PUNCT
abrj-454	579	9	362	362	NUM
abrj-454	579	10	-	-	SYM
abrj-454	579	11	377	377	NUM
abrj-454	579	12	.	.	PUNCT
abrj-454	580	1	https://doi.org/10.1590/1808-057x201604100	https://doi.org/10.1590/1808-057x201604100	NOUN
abrj-454	580	2	ragin	ragin	ADJ
abrj-454	580	3	,	,	PUNCT
abrj-454	580	4	c.	c.	PROPN
abrj-454	580	5	c.	c.	PROPN
abrj-454	580	6	(	(	PUNCT
abrj-454	580	7	2008	2008	NUM
abrj-454	580	8	)	)	PUNCT
abrj-454	580	9	.	.	PUNCT
abrj-454	581	1	redesigning	redesign	VERB
abrj-454	581	2	social	social	ADJ
abrj-454	581	3	inquiry	inquiry	NOUN
abrj-454	581	4	:	:	PUNCT
abrj-454	581	5	fuzzy	fuzzy	ADJ
abrj-454	581	6	sets	set	NOUN
abrj-454	581	7	and	and	CCONJ
abrj-454	581	8	beyond	beyond	ADP
abrj-454	581	9	.	.	PUNCT
abrj-454	582	1	university	university	NOUN
abrj-454	582	2	of	of	ADP
abrj-454	582	3	chicago	chicago	PROPN
abrj-454	582	4	press	press	PROPN
abrj-454	582	5	.	.	PUNCT
abrj-454	583	1	ravina	ravina	PROPN
abrj-454	583	2	,	,	PUNCT
abrj-454	583	3	e.	e.	PROPN
abrj-454	583	4	(	(	PUNCT
abrj-454	583	5	2012	2012	NUM
abrj-454	583	6	)	)	PUNCT
abrj-454	583	7	.	.	PUNCT
abrj-454	584	1	love	love	PROPN
abrj-454	584	2	&	&	CCONJ
abrj-454	584	3	loans	loan	NOUN
abrj-454	584	4	:	:	PUNCT
abrj-454	584	5	the	the	DET
abrj-454	584	6	effect	effect	NOUN
abrj-454	584	7	of	of	ADP
abrj-454	584	8	beauty	beauty	NOUN
abrj-454	584	9	and	and	CCONJ
abrj-454	584	10	personal	personal	ADJ
abrj-454	584	11	characteristics	characteristic	NOUN
abrj-454	584	12	in	in	ADP
abrj-454	584	13	credit	credit	NOUN
abrj-454	584	14	markets	market	NOUN
abrj-454	584	15	.	.	PUNCT
abrj-454	585	1	working	work	VERB
abrj-454	585	2	paper	paper	NOUN
abrj-454	585	3	.	.	PUNCT
abrj-454	586	1	https://doi.org/10.2139/ssrn.1945690	https://doi.org/10.2139/ssrn.1945690	NOUN
abrj-454	586	2	remund	remund	NOUN
abrj-454	586	3	,	,	PUNCT
abrj-454	586	4	d.	d.	PROPN
abrj-454	586	5	l.	l.	PROPN
abrj-454	586	6	(	(	PUNCT
abrj-454	586	7	2010	2010	NUM
abrj-454	586	8	)	)	PUNCT
abrj-454	586	9	.	.	PUNCT
abrj-454	587	1	financial	financial	ADJ
abrj-454	587	2	literacy	literacy	NOUN
abrj-454	587	3	explicated	explicate	VERB
abrj-454	587	4	:	:	PUNCT
abrj-454	587	5	the	the	DET
abrj-454	587	6	case	case	NOUN
abrj-454	587	7	for	for	ADP
abrj-454	587	8	a	a	DET
abrj-454	587	9	clearer	clear	ADJ
abrj-454	587	10	definition	definition	NOUN
abrj-454	587	11	in	in	ADP
abrj-454	587	12	an	an	DET
abrj-454	587	13	increasingly	increasingly	ADV
abrj-454	587	14	complex	complex	ADJ
abrj-454	587	15	economy	economy	NOUN
abrj-454	587	16	.	.	PUNCT
abrj-454	588	1	journal	journal	PROPN
abrj-454	588	2	of	of	ADP
abrj-454	588	3	consumer	consumer	NOUN
abrj-454	588	4	affairs	affair	NOUN
abrj-454	588	5	,	,	PUNCT
abrj-454	588	6	44(2	44(2	NOUN
abrj-454	588	7	)	)	PUNCT
abrj-454	588	8	,	,	PUNCT
abrj-454	588	9	276	276	NUM
abrj-454	588	10	-	-	SYM
abrj-454	588	11	295	295	NUM
abrj-454	588	12	.	.	PUNCT
abrj-454	589	1	https://doi.org/10.1111/j.1745-6606.2010.01169.x	https://doi.org/10.1111/j.1745-6606.2010.01169.x	PROPN
abrj-454	589	2	ringle	ringle	PROPN
abrj-454	589	3	,	,	PUNCT
abrj-454	589	4	c.	c.	PROPN
abrj-454	589	5	m.	m.	PROPN
abrj-454	589	6	,	,	PUNCT
abrj-454	589	7	&	&	CCONJ
abrj-454	589	8	sarstedt	sarstedt	NOUN
abrj-454	589	9	,	,	PUNCT
abrj-454	589	10	m.	m.	NOUN
abrj-454	589	11	(	(	PUNCT
abrj-454	589	12	2016	2016	NUM
abrj-454	589	13	)	)	PUNCT
abrj-454	589	14	.	.	PUNCT
abrj-454	590	1	gain	gain	VERB
abrj-454	590	2	more	more	ADJ
abrj-454	590	3	insight	insight	NOUN
abrj-454	590	4	from	from	ADP
abrj-454	590	5	your	your	PRON
abrj-454	590	6	pls	pls	ADJ
abrj-454	590	7	-	-	PUNCT
abrj-454	590	8	sem	sem	NOUN
abrj-454	590	9	results	result	NOUN
abrj-454	590	10	:	:	PUNCT
abrj-454	590	11	the	the	DET
abrj-454	590	12	importance	importance	NOUN
abrj-454	590	13	-	-	PUNCT
abrj-454	590	14	performance	performance	NOUN
abrj-454	590	15	map	map	NOUN
abrj-454	590	16	analysis	analysis	NOUN
abrj-454	590	17	.	.	PUNCT
abrj-454	591	1	industrial	industrial	ADJ
abrj-454	591	2	management	management	PROPN
abrj-454	591	3	&	&	CCONJ
abrj-454	591	4	data	datum	NOUN
abrj-454	591	5	systems	system	NOUN
abrj-454	591	6	,	,	PUNCT
abrj-454	591	7	116(9	116(9	NUM
abrj-454	591	8	)	)	PUNCT
abrj-454	591	9	,	,	PUNCT
abrj-454	591	10	1865	1865	NUM
abrj-454	591	11	-	-	SYM
abrj-454	591	12	1886	1886	NUM
abrj-454	591	13	.	.	PUNCT
abrj-454	592	1	https://doi.org/10.1108/imds-05-2016-0183	https://doi.org/10.1108/imds-05-2016-0183	PROPN
abrj-454	592	2	rogers	rogers	PROPN
abrj-454	592	3	,	,	PUNCT
abrj-454	592	4	e.	e.	PROPN
abrj-454	592	5	m.	m.	PROPN
abrj-454	592	6	(	(	PUNCT
abrj-454	592	7	2003	2003	NUM
abrj-454	592	8	)	)	PUNCT
abrj-454	592	9	.	.	PUNCT
abrj-454	593	1	diffusion	diffusion	NOUN
abrj-454	593	2	of	of	ADP
abrj-454	593	3	innovations	innovation	NOUN
abrj-454	593	4	(	(	PUNCT
abrj-454	593	5	5th	5th	ADJ
abrj-454	593	6	ed	ed	NOUN
abrj-454	593	7	.	.	PUNCT
abrj-454	593	8	)	)	PUNCT
abrj-454	593	9	.	.	PUNCT
abrj-454	594	1	free	free	ADJ
abrj-454	594	2	press	press	PROPN
abrj-454	594	3	.	.	PUNCT
abrj-454	595	1	ryan	ryan	PROPN
abrj-454	595	2	,	,	PUNCT
abrj-454	595	3	r.	r.	PROPN
abrj-454	595	4	m.	m.	PROPN
abrj-454	595	5	,	,	PUNCT
abrj-454	595	6	&	&	CCONJ
abrj-454	595	7	deci	deci	PROPN
abrj-454	595	8	,	,	PUNCT
abrj-454	595	9	e.	e.	PROPN
abrj-454	595	10	l.	l.	PROPN
abrj-454	595	11	(	(	PUNCT
abrj-454	595	12	2000	2000	NUM
abrj-454	595	13	)	)	PUNCT
abrj-454	595	14	.	.	PUNCT
abrj-454	596	1	self	self	NOUN
abrj-454	596	2	-	-	PUNCT
abrj-454	596	3	determination	determination	NOUN
abrj-454	596	4	theory	theory	NOUN
abrj-454	596	5	and	and	CCONJ
abrj-454	596	6	the	the	DET
abrj-454	596	7	facilitation	facilitation	NOUN
abrj-454	596	8	of	of	ADP
abrj-454	596	9	intrinsic	intrinsic	ADJ
abrj-454	596	10	motivation	motivation	NOUN
abrj-454	596	11	,	,	PUNCT
abrj-454	596	12	social	social	ADJ
abrj-454	596	13	development	development	NOUN
abrj-454	596	14	,	,	PUNCT
abrj-454	596	15	and	and	CCONJ
abrj-454	596	16	well	well	ADV
abrj-454	596	17	-	-	PUNCT
abrj-454	596	18	being	being	NOUN
abrj-454	596	19	.	.	PUNCT
abrj-454	597	1	american	american	ADJ
abrj-454	597	2	psychologist	psychologist	PROPN
abrj-454	597	3	,	,	PUNCT
abrj-454	597	4	55(1	55(1	NOUN
abrj-454	597	5	)	)	PUNCT
abrj-454	597	6	,	,	PUNCT
abrj-454	597	7	68	68	NUM
abrj-454	597	8	-	-	SYM
abrj-454	597	9	78	78	NUM
abrj-454	597	10	.	.	PUNCT
abrj-454	598	1	https://doi.org/10.1037/0003-066x.55.1.68	https://doi.org/10.1037/0003-066x.55.1.68	ADJ
abrj-454	598	2	sarstedt	sarstedt	NOUN
abrj-454	598	3	,	,	PUNCT
abrj-454	598	4	m.	m.	NOUN
abrj-454	598	5	,	,	PUNCT
abrj-454	598	6	henseler	henseler	NOUN
abrj-454	598	7	,	,	PUNCT
abrj-454	598	8	j.	j.	PROPN
abrj-454	598	9	,	,	PUNCT
abrj-454	598	10	&	&	CCONJ
abrj-454	598	11	ringle	ringle	PROPN
abrj-454	598	12	,	,	PUNCT
abrj-454	598	13	c.	c.	PROPN
abrj-454	598	14	m.	m.	NOUN
abrj-454	598	15	(	(	PUNCT
abrj-454	598	16	2011	2011	NUM
abrj-454	598	17	)	)	PUNCT
abrj-454	598	18	.	.	PUNCT
abrj-454	599	1	multigroup	multigroup	PROPN
abrj-454	599	2	analysis	analysis	NOUN
abrj-454	599	3	in	in	ADP
abrj-454	599	4	partial	partial	ADJ
abrj-454	599	5	least	least	ADJ
abrj-454	599	6	squares	square	NOUN
abrj-454	599	7	(	(	PUNCT
abrj-454	599	8	pls	pls	INTJ
abrj-454	599	9	)	)	PUNCT
abrj-454	599	10	path	path	NOUN
abrj-454	599	11	modeling	modeling	NOUN
abrj-454	599	12	:	:	PUNCT
abrj-454	599	13	alternative	alternative	ADJ
abrj-454	599	14	methods	method	NOUN
abrj-454	599	15	and	and	CCONJ
abrj-454	599	16	empirical	empirical	ADJ
abrj-454	599	17	results	result	NOUN
abrj-454	599	18	.	.	PUNCT
abrj-454	600	1	advances	advance	NOUN
abrj-454	600	2	in	in	ADP
abrj-454	600	3	international	international	ADJ
abrj-454	600	4	marketing	marketing	NOUN
abrj-454	600	5	,	,	PUNCT
abrj-454	600	6	22	22	NUM
abrj-454	600	7	,	,	PUNCT
abrj-454	600	8	195	195	NUM
abrj-454	600	9	-	-	SYM
abrj-454	600	10	218	218	NUM
abrj-454	600	11	.	.	PUNCT
abrj-454	601	1	https://doi.org/10.1108/s1474-7979(2011)0000022011	https://doi.org/10.1108/s1474-7979(2011)0000022011	PROPN
abrj-454	601	2	schafer	schafer	PROPN
abrj-454	601	3	,	,	PUNCT
abrj-454	601	4	j.	j.	PROPN
abrj-454	601	5	l.	l.	PROPN
abrj-454	601	6	,	,	PUNCT
abrj-454	601	7	&	&	CCONJ
abrj-454	601	8	graham	graham	PROPN
abrj-454	601	9	,	,	PUNCT
abrj-454	601	10	j.	j.	PROPN
abrj-454	601	11	w.	w.	PROPN
abrj-454	601	12	(	(	PUNCT
abrj-454	601	13	2002	2002	NUM
abrj-454	601	14	)	)	PUNCT
abrj-454	601	15	.	.	PUNCT
abrj-454	602	1	missing	miss	VERB
abrj-454	602	2	data	datum	NOUN
abrj-454	602	3	:	:	PUNCT
abrj-454	602	4	our	our	PRON
abrj-454	602	5	view	view	NOUN
abrj-454	602	6	of	of	ADP
abrj-454	602	7	the	the	DET
abrj-454	602	8	state	state	NOUN
abrj-454	602	9	of	of	ADP
abrj-454	602	10	the	the	DET
abrj-454	602	11	art	art	NOUN
abrj-454	602	12	.	.	PUNCT
abrj-454	603	1	psychological	psychological	ADJ
abrj-454	603	2	methods	method	NOUN
abrj-454	603	3	,	,	PUNCT
abrj-454	603	4	7(2	7(2	NUM
abrj-454	603	5	)	)	PUNCT
abrj-454	603	6	,	,	PUNCT
abrj-454	603	7	147	147	NUM
abrj-454	603	8	-	-	SYM
abrj-454	603	9	177	177	NUM
abrj-454	603	10	.	.	PUNCT
abrj-454	604	1	https://doi.org/10.1037/1082-989x.7.2.147	https://doi.org/10.1037/1082-989x.7.2.147	PROPN
abrj-454	604	2	sherraden	sherraden	NOUN
abrj-454	604	3	,	,	PUNCT
abrj-454	604	4	m.	m.	NOUN
abrj-454	604	5	s.	s.	PROPN
abrj-454	604	6	(	(	PUNCT
abrj-454	604	7	2013	2013	NUM
abrj-454	604	8	)	)	PUNCT
abrj-454	604	9	.	.	PUNCT
abrj-454	605	1	building	build	VERB
abrj-454	605	2	blocks	block	NOUN
abrj-454	605	3	of	of	ADP
abrj-454	605	4	financial	financial	ADJ
abrj-454	605	5	capability	capability	NOUN
abrj-454	605	6	.	.	PUNCT
abrj-454	606	1	in	in	ADP
abrj-454	606	2	j.	j.	PROPN
abrj-454	606	3	birkenmaier	birkenmaier	PROPN
abrj-454	606	4	,	,	PUNCT
abrj-454	606	5	m.	m.	NOUN
abrj-454	606	6	sherraden	sherraden	NOUN
abrj-454	606	7	,	,	PUNCT
abrj-454	606	8	&	&	CCONJ
abrj-454	606	9	j.	j.	PROPN
abrj-454	606	10	curley	curley	PROPN
abrj-454	606	11	(	(	PUNCT
abrj-454	606	12	eds	eds	PROPN
abrj-454	606	13	.	.	PUNCT
abrj-454	606	14	)	)	PUNCT
abrj-454	606	15	,	,	PUNCT
abrj-454	606	16	financial	financial	ADJ
abrj-454	606	17	capability	capability	NOUN
abrj-454	606	18	and	and	CCONJ
abrj-454	606	19	asset	asset	NOUN
abrj-454	606	20	development	development	NOUN
abrj-454	606	21	:	:	PUNCT
abrj-454	606	22	research	research	NOUN
abrj-454	606	23	,	,	PUNCT
abrj-454	606	24	education	education	NOUN
abrj-454	606	25	,	,	PUNCT
abrj-454	606	26	policy	policy	NOUN
abrj-454	606	27	,	,	PUNCT
abrj-454	606	28	and	and	CCONJ
abrj-454	606	29	practice	practice	NOUN
abrj-454	606	30	(	(	PUNCT
abrj-454	606	31	pp	pp	ADJ
abrj-454	606	32	.	.	PUNCT
abrj-454	606	33	3	3	NUM
abrj-454	606	34	-	-	SYM
abrj-454	606	35	43	43	NUM
abrj-454	606	36	)	)	PUNCT
abrj-454	606	37	.	.	PUNCT
abrj-454	607	1	oxford	oxford	PROPN
abrj-454	607	2	university	university	PROPN
abrj-454	607	3	press	press	NOUN
abrj-454	607	4	.	.	PUNCT
abrj-454	608	1	sherraden	sherraden	NOUN
abrj-454	608	2	,	,	PUNCT
abrj-454	608	3	m.	m.	NOUN
abrj-454	608	4	s.	s.	PROPN
abrj-454	608	5	,	,	PUNCT
abrj-454	608	6	huang	huang	PROPN
abrj-454	608	7	,	,	PUNCT
abrj-454	608	8	j.	j.	PROPN
abrj-454	608	9	,	,	PUNCT
abrj-454	608	10	frey	frey	PROPN
abrj-454	608	11	,	,	PUNCT
abrj-454	608	12	j.	j.	PROPN
abrj-454	608	13	j.	j.	PROPN
abrj-454	608	14	,	,	PUNCT
abrj-454	608	15	birkenmaier	birkenmaier	PROPN
abrj-454	608	16	,	,	PUNCT
abrj-454	608	17	j.	j.	PROPN
abrj-454	608	18	,	,	PUNCT
abrj-454	608	19	callahan	callahan	PROPN
abrj-454	608	20	,	,	PUNCT
abrj-454	608	21	c.	c.	PROPN
abrj-454	608	22	,	,	PUNCT
abrj-454	608	23	clancy	clancy	NOUN
abrj-454	608	24	,	,	PUNCT
abrj-454	608	25	m.	m.	NOUN
abrj-454	608	26	m.	m.	NOUN
abrj-454	608	27	,	,	PUNCT
abrj-454	608	28	&	&	CCONJ
abrj-454	608	29	sherraden	sherraden	NOUN
abrj-454	608	30	,	,	PUNCT
abrj-454	608	31	m.	m.	NOUN
abrj-454	608	32	(	(	PUNCT
abrj-454	608	33	2015	2015	NUM
abrj-454	608	34	)	)	PUNCT
abrj-454	608	35	.	.	PUNCT
abrj-454	609	1	financial	financial	ADJ
abrj-454	609	2	capability	capability	NOUN
abrj-454	609	3	and	and	CCONJ
abrj-454	609	4	asset	asset	NOUN
abrj-454	609	5	building	building	NOUN
abrj-454	609	6	for	for	ADP
abrj-454	609	7	all	all	PRON
abrj-454	609	8	.	.	PUNCT
abrj-454	610	1	american	american	PROPN
abrj-454	610	2	academy	academy	PROPN
abrj-454	610	3	of	of	ADP
abrj-454	610	4	social	social	ADJ
abrj-454	610	5	work	work	NOUN
abrj-454	610	6	and	and	CCONJ
abrj-454	610	7	social	social	ADJ
abrj-454	610	8	welfare	welfare	NOUN
abrj-454	610	9	,	,	PUNCT
abrj-454	610	10	grand	grand	ADJ
abrj-454	610	11	challenges	challenge	NOUN
abrj-454	610	12	for	for	ADP
abrj-454	610	13	social	social	ADJ
abrj-454	610	14	work	work	NOUN
abrj-454	610	15	initiative	initiative	NOUN
abrj-454	610	16	,	,	PUNCT
abrj-454	610	17	working	working	NOUN
abrj-454	610	18	paper	paper	NOUN
abrj-454	610	19	no	no	INTJ
abrj-454	610	20	.	.	PROPN
abrj-454	610	21	13	13	NUM
abrj-454	610	22	.	.	PUNCT
abrj-454	611	1	simon	simon	PROPN
abrj-454	611	2	,	,	PUNCT
abrj-454	611	3	h.	h.	PROPN
abrj-454	611	4	a.	a.	PROPN
abrj-454	611	5	(	(	PUNCT
abrj-454	611	6	1955	1955	NUM
abrj-454	611	7	)	)	PUNCT
abrj-454	611	8	.	.	PUNCT
abrj-454	612	1	a	a	DET
abrj-454	612	2	behavioral	behavioral	ADJ
abrj-454	612	3	model	model	NOUN
abrj-454	612	4	of	of	ADP
abrj-454	612	5	rational	rational	ADJ
abrj-454	612	6	choice	choice	NOUN
abrj-454	612	7	.	.	PUNCT
abrj-454	613	1	quarterly	quarterly	ADJ
abrj-454	613	2	journal	journal	NOUN
abrj-454	613	3	of	of	ADP
abrj-454	613	4	economics	economic	NOUN
abrj-454	613	5	,	,	PUNCT
abrj-454	613	6	69(1	69(1	NUM
abrj-454	613	7	)	)	PUNCT
abrj-454	613	8	,	,	PUNCT
abrj-454	613	9	99	99	NUM
abrj-454	613	10	-	-	SYM
abrj-454	613	11	118	118	NUM
abrj-454	613	12	.	.	PUNCT
abrj-454	614	1	https://doi.org/10.2307/1884852	https://doi.org/10.2307/1884852	X
abrj-454	614	2	slade	slade	NOUN
abrj-454	614	3	,	,	PUNCT
abrj-454	614	4	e.	e.	PROPN
abrj-454	614	5	l.	l.	PROPN
abrj-454	614	6	,	,	PUNCT
abrj-454	614	7	dwivedi	dwivedi	PROPN
abrj-454	614	8	,	,	PUNCT
abrj-454	614	9	y.	y.	PROPN
abrj-454	614	10	k.	k.	PROPN
abrj-454	614	11	,	,	PUNCT
abrj-454	614	12	piercy	piercy	PROPN
abrj-454	614	13	,	,	PUNCT
abrj-454	614	14	n.	n.	PROPN
abrj-454	614	15	c.	c.	PROPN
abrj-454	614	16	,	,	PUNCT
abrj-454	614	17	&	&	CCONJ
abrj-454	614	18	williams	williams	PROPN
abrj-454	614	19	,	,	PUNCT
abrj-454	614	20	m.	m.	PROPN
abrj-454	614	21	d.	d.	PROPN
abrj-454	614	22	(	(	PUNCT
abrj-454	614	23	2015	2015	NUM
abrj-454	614	24	)	)	PUNCT
abrj-454	614	25	.	.	PUNCT
abrj-454	615	1	modeling	model	VERB
abrj-454	615	2	consumers	consumer	NOUN
abrj-454	615	3	'	'	PART
abrj-454	615	4	adoption	adoption	NOUN
abrj-454	615	5	intentions	intention	NOUN
abrj-454	615	6	of	of	ADP
abrj-454	615	7	remote	remote	ADJ
abrj-454	615	8	mobile	mobile	ADJ
abrj-454	615	9	payments	payment	NOUN
abrj-454	615	10	in	in	ADP
abrj-454	615	11	the	the	DET
abrj-454	615	12	united	united	ADJ
abrj-454	615	13	kingdom	kingdom	NOUN
abrj-454	615	14	:	:	PUNCT
abrj-454	615	15	extending	extend	VERB
abrj-454	615	16	utaut	utaut	NOUN
abrj-454	615	17	with	with	ADP
abrj-454	615	18	innovativeness	innovativeness	NOUN
abrj-454	615	19	,	,	PUNCT
abrj-454	615	20	risk	risk	NOUN
abrj-454	615	21	,	,	PUNCT
abrj-454	615	22	and	and	CCONJ
abrj-454	615	23	trust	trust	NOUN
abrj-454	615	24	.	.	PUNCT
abrj-454	616	1	psychology	psychology	NOUN
abrj-454	616	2	&	&	CCONJ
abrj-454	616	3	marketing	marketing	NOUN
abrj-454	616	4	,	,	PUNCT
abrj-454	616	5	32(8	32(8	NUM
abrj-454	616	6	)	)	PUNCT
abrj-454	616	7	,	,	PUNCT
abrj-454	616	8	860	860	NUM
abrj-454	616	9	-	-	SYM
abrj-454	616	10	873	873	NUM
abrj-454	616	11	.	.	PUNCT
abrj-454	617	1	https://doi.org/10.1002/mar.20812	https://doi.org/10.1002/mar.20812	PROPN
abrj-454	617	2	standard	standard	PROPN
abrj-454	617	3	&	&	CCONJ
abrj-454	617	4	poor	poor	PROPN
abrj-454	617	5	's	's	PART
abrj-454	617	6	.	.	PUNCT
abrj-454	618	1	(	(	PUNCT
abrj-454	618	2	2015	2015	NUM
abrj-454	618	3	)	)	PUNCT
abrj-454	618	4	.	.	PUNCT
abrj-454	619	1	s&p	s&p	PROPN
abrj-454	619	2	global	global	ADJ
abrj-454	619	3	finlit	finlit	PROPN
abrj-454	619	4	survey	survey	NOUN
abrj-454	619	5	.	.	PUNCT
abrj-454	620	1	retrieved	retrieve	VERB
abrj-454	620	2	from	from	ADP
abrj-454	620	3	http://gflec.org/initiatives/sp-global-finlit-survey/	http://gflec.org/initiatives/sp-global-finlit-survey/	PROPN
abrj-454	620	4	tam	tam	PROPN
abrj-454	620	5	,	,	PUNCT
abrj-454	620	6	c.	c.	PROPN
abrj-454	620	7	,	,	PUNCT
abrj-454	620	8	&	&	CCONJ
abrj-454	620	9	oliveira	oliveira	PROPN
abrj-454	620	10	,	,	PUNCT
abrj-454	620	11	t.	t.	PROPN
abrj-454	620	12	(	(	PUNCT
abrj-454	620	13	2017	2017	NUM
abrj-454	620	14	)	)	PUNCT
abrj-454	620	15	.	.	PUNCT
abrj-454	621	1	understanding	understand	VERB
abrj-454	621	2	mobile	mobile	ADJ
abrj-454	621	3	banking	banking	NOUN
abrj-454	621	4	individual	individual	ADJ
abrj-454	621	5	performance	performance	NOUN
abrj-454	621	6	:	:	PUNCT
abrj-454	621	7	the	the	DET
abrj-454	621	8	delone	delone	PROPN
abrj-454	621	9	&	&	CCONJ
abrj-454	621	10	mclean	mclean	PROPN
abrj-454	621	11	model	model	PROPN
abrj-454	621	12	and	and	CCONJ
abrj-454	621	13	the	the	DET
abrj-454	621	14	moderating	moderate	VERB
abrj-454	621	15	effects	effect	NOUN
abrj-454	621	16	of	of	ADP
abrj-454	621	17	individual	individual	ADJ
abrj-454	621	18	culture	culture	NOUN
abrj-454	621	19	.	.	PUNCT
abrj-454	622	1	internet	internet	NOUN
abrj-454	622	2	research	research	NOUN
abrj-454	622	3	,	,	PUNCT
abrj-454	622	4	27(3	27(3	NUM
abrj-454	622	5	)	)	PUNCT
abrj-454	622	6	,	,	PUNCT
abrj-454	622	7	538	538	NUM
abrj-454	622	8	-	-	SYM
abrj-454	622	9	562	562	NUM
abrj-454	622	10	.	.	PUNCT
abrj-454	623	1	https://doi.org/10.1108/intr-12-2015-0294	https://doi.org/10.1108/intr-12-2015-0294	NOUN
abrj-454	623	2	thaler	thaler	PROPN
abrj-454	623	3	,	,	PUNCT
abrj-454	623	4	r.	r.	PROPN
abrj-454	623	5	h.	h.	PROPN
abrj-454	623	6	(	(	PUNCT
abrj-454	623	7	2015	2015	NUM
abrj-454	623	8	)	)	PUNCT
abrj-454	623	9	.	.	PUNCT
abrj-454	624	1	misbehaving	misbehave	VERB
abrj-454	624	2	:	:	PUNCT
abrj-454	624	3	the	the	DET
abrj-454	624	4	making	making	NOUN
abrj-454	624	5	of	of	ADP
abrj-454	624	6	behavioral	behavioral	ADJ
abrj-454	624	7	economics	economic	NOUN
abrj-454	624	8	.	.	PUNCT
abrj-454	625	1	w.	w.	PROPN
abrj-454	625	2	w.	w.	PROPN
abrj-454	625	3	norton	norton	PROPN
abrj-454	625	4	&	&	CCONJ
abrj-454	625	5	company	company	PROPN
abrj-454	625	6	.	.	PUNCT
abrj-454	626	1	van	van	PROPN
abrj-454	626	2	dijk	dijk	PROPN
abrj-454	626	3	,	,	PUNCT
abrj-454	626	4	j.	j.	PROPN
abrj-454	626	5	,	,	PUNCT
abrj-454	626	6	&	&	CCONJ
abrj-454	626	7	hacker	hacker	NOUN
abrj-454	626	8	,	,	PUNCT
abrj-454	626	9	k.	k.	PROPN
abrj-454	626	10	(	(	PUNCT
abrj-454	626	11	2003	2003	NUM
abrj-454	626	12	)	)	PUNCT
abrj-454	626	13	.	.	PUNCT
abrj-454	627	1	the	the	DET
abrj-454	627	2	digital	digital	PROPN
abrj-454	627	3	divide	divide	NOUN
abrj-454	627	4	as	as	ADP
abrj-454	627	5	a	a	DET
abrj-454	627	6	complex	complex	ADJ
abrj-454	627	7	and	and	CCONJ
abrj-454	627	8	dynamic	dynamic	ADJ
abrj-454	627	9	phenomenon	phenomenon	NOUN
abrj-454	627	10	.	.	PUNCT
abrj-454	628	1	the	the	DET
abrj-454	628	2	information	information	NOUN
abrj-454	628	3	society	society	NOUN
abrj-454	628	4	,	,	PUNCT
abrj-454	628	5	19(4	19(4	PROPN
abrj-454	628	6	)	)	PUNCT
abrj-454	628	7	,	,	PUNCT
abrj-454	628	8	315	315	NUM
abrj-454	628	9	-	-	SYM
abrj-454	628	10	326	326	NUM
abrj-454	628	11	.	.	PUNCT
abrj-454	629	1	https://doi.org/10.1080/0197224039022883	https://doi.org/10.1080/0197224039022883	PROPN
abrj-454	630	1	van	van	PROPN
abrj-454	630	2	rooij	rooij	PROPN
abrj-454	630	3	,	,	PUNCT
abrj-454	630	4	m.	m.	NOUN
abrj-454	630	5	,	,	PUNCT
abrj-454	630	6	lusardi	lusardi	PROPN
abrj-454	630	7	,	,	PUNCT
abrj-454	630	8	a.	a.	NOUN
abrj-454	630	9	,	,	PUNCT
abrj-454	630	10	&	&	CCONJ
abrj-454	630	11	alessie	alessie	PROPN
abrj-454	630	12	,	,	PUNCT
abrj-454	630	13	r.	r.	PROPN
abrj-454	630	14	(	(	PUNCT
abrj-454	630	15	2011	2011	NUM
abrj-454	630	16	)	)	PUNCT
abrj-454	630	17	.	.	PUNCT
abrj-454	631	1	financial	financial	ADJ
abrj-454	631	2	literacy	literacy	NOUN
abrj-454	631	3	and	and	CCONJ
abrj-454	631	4	stock	stock	NOUN
abrj-454	631	5	market	market	NOUN
abrj-454	631	6	participation	participation	NOUN
abrj-454	631	7	.	.	PUNCT
abrj-454	632	1	journal	journal	NOUN
abrj-454	632	2	of	of	ADP
abrj-454	632	3	financial	financial	ADJ
abrj-454	632	4	economics	economic	NOUN
abrj-454	632	5	,	,	PUNCT
abrj-454	632	6	101(2	101(2	NUM
abrj-454	632	7	)	)	PUNCT
abrj-454	632	8	,	,	PUNCT
abrj-454	632	9	449472	449472	NUM
abrj-454	632	10	.	.	PUNCT
abrj-454	633	1	https://doi.org/10.1016/j.jfineco.2011.03.006	https://doi.org/10.1016/j.jfineco.2011.03.006	ADJ
abrj-454	633	2	venkatesh	venkatesh	NOUN
abrj-454	633	3	,	,	PUNCT
abrj-454	633	4	v.	v.	PROPN
abrj-454	633	5	,	,	PUNCT
abrj-454	633	6	&	&	CCONJ
abrj-454	633	7	bala	bala	PROPN
abrj-454	633	8	,	,	PUNCT
abrj-454	633	9	h.	h.	PROPN
abrj-454	633	10	(	(	PUNCT
abrj-454	633	11	2008	2008	NUM
abrj-454	633	12	)	)	PUNCT
abrj-454	633	13	.	.	PUNCT
abrj-454	634	1	technology	technology	NOUN
abrj-454	634	2	acceptance	acceptance	NOUN
abrj-454	634	3	model	model	NOUN
abrj-454	634	4	3	3	NUM
abrj-454	634	5	and	and	CCONJ
abrj-454	634	6	a	a	DET
abrj-454	634	7	research	research	NOUN
abrj-454	634	8	agenda	agenda	NOUN
abrj-454	634	9	on	on	ADP
abrj-454	634	10	interventions	intervention	NOUN
abrj-454	634	11	.	.	PUNCT
abrj-454	635	1	decision	decision	NOUN
abrj-454	635	2	sciences	science	NOUN
abrj-454	635	3	,	,	PUNCT
abrj-454	635	4	39(2	39(2	NUM
abrj-454	635	5	)	)	PUNCT
abrj-454	635	6	,	,	PUNCT
abrj-454	635	7	273	273	NUM
abrj-454	635	8	-	-	SYM
abrj-454	635	9	315	315	NUM
abrj-454	635	10	.	.	PUNCT
abrj-454	636	1	https://doi.org/10.1111/j.1540-5915.2008.00175.x	https://doi.org/10.1111/j.1540-5915.2008.00175.x	PROPN
abrj-454	636	2	venkatesh	venkatesh	PROPN
abrj-454	636	3	,	,	PUNCT
abrj-454	636	4	v.	v.	PROPN
abrj-454	636	5	,	,	PUNCT
abrj-454	636	6	morris	morris	PROPN
abrj-454	636	7	,	,	PUNCT
abrj-454	636	8	m.	m.	NOUN
abrj-454	636	9	g.	g.	PROPN
abrj-454	636	10	,	,	PUNCT
abrj-454	636	11	davis	davis	PROPN
abrj-454	636	12	,	,	PUNCT
abrj-454	636	13	g.	g.	PROPN
abrj-454	636	14	b.	b.	PROPN
abrj-454	636	15	,	,	PUNCT
abrj-454	636	16	&	&	CCONJ
abrj-454	636	17	davis	davis	PROPN
abrj-454	636	18	,	,	PUNCT
abrj-454	636	19	f.	f.	PROPN
abrj-454	636	20	d.	d.	PROPN
abrj-454	636	21	(	(	PUNCT
abrj-454	636	22	2003	2003	NUM
abrj-454	636	23	)	)	PUNCT
abrj-454	636	24	.	.	PUNCT
abrj-454	637	1	user	user	NOUN
abrj-454	637	2	acceptance	acceptance	NOUN
abrj-454	637	3	of	of	ADP
abrj-454	637	4	information	information	NOUN
abrj-454	637	5	technology	technology	NOUN
abrj-454	637	6	:	:	PUNCT
abrj-454	637	7	toward	toward	ADP
abrj-454	637	8	a	a	DET
abrj-454	637	9	unified	unified	ADJ
abrj-454	637	10	view	view	NOUN
abrj-454	637	11	.	.	PUNCT
abrj-454	638	1	mis	mis	PROPN
abrj-454	638	2	quarterly	quarterly	PROPN
abrj-454	638	3	,	,	PUNCT
abrj-454	638	4	27(3	27(3	NUM
abrj-454	638	5	)	)	PUNCT
abrj-454	638	6	,	,	PUNCT
abrj-454	638	7	425	425	NUM
abrj-454	638	8	-	-	SYM
abrj-454	638	9	478	478	NUM
abrj-454	638	10	.	.	PUNCT
abrj-454	638	11	https://doi.org/10.2307/30036540	https://doi.org/10.2307/30036540	PROPN
abrj-454	639	1	vuong	vuong	PROPN
abrj-454	639	2	,	,	PUNCT
abrj-454	639	3	q.	q.	PROPN
abrj-454	639	4	h.	h.	PROPN
abrj-454	639	5	,	,	PUNCT
abrj-454	639	6	&	&	CCONJ
abrj-454	639	7	napier	napier	PROPN
abrj-454	639	8	,	,	PUNCT
abrj-454	639	9	n.	n.	PROPN
abrj-454	639	10	k.	k.	PROPN
abrj-454	639	11	(	(	PUNCT
abrj-454	639	12	2014	2014	NUM
abrj-454	639	13	)	)	PUNCT
abrj-454	639	14	.	.	PUNCT
abrj-454	640	1	resource	resource	NOUN
abrj-454	640	2	curse	curse	NOUN
abrj-454	640	3	or	or	CCONJ
abrj-454	640	4	destructive	destructive	ADJ
abrj-454	640	5	creation	creation	NOUN
abrj-454	640	6	in	in	ADP
abrj-454	640	7	transition	transition	NOUN
abrj-454	640	8	:	:	PUNCT
abrj-454	640	9	evidence	evidence	NOUN
abrj-454	640	10	from	from	ADP
abrj-454	640	11	vietnam	vietnam	PROPN
abrj-454	640	12	's	's	PART
abrj-454	640	13	corporate	corporate	ADJ
abrj-454	640	14	sector	sector	NOUN
abrj-454	640	15	.	.	PUNCT
abrj-454	641	1	management	management	NOUN
abrj-454	641	2	research	research	PROPN
abrj-454	641	3	review	review	PROPN
abrj-454	641	4	,	,	PUNCT
abrj-454	641	5	37(7	37(7	NUM
abrj-454	641	6	)	)	PUNCT
abrj-454	641	7	,	,	PUNCT
abrj-454	641	8	642	642	NUM
abrj-454	641	9	-	-	SYM
abrj-454	641	10	657	657	NUM
abrj-454	641	11	.	.	PUNCT
abrj-454	642	1	https://doi.org/10.1108/mrr-09-2013-0207	https://doi.org/10.1108/mrr-09-2013-0207	PROPN
abrj-454	642	2	woodside	woodside	PROPN
abrj-454	642	3	,	,	PUNCT
abrj-454	642	4	a.	a.	NOUN
abrj-454	642	5	g.	g.	PROPN
abrj-454	642	6	(	(	PUNCT
abrj-454	642	7	2013	2013	NUM
abrj-454	642	8	)	)	PUNCT
abrj-454	642	9	.	.	PUNCT
abrj-454	643	1	moving	move	VERB
abrj-454	643	2	beyond	beyond	ADP
abrj-454	643	3	multiple	multiple	ADJ
abrj-454	643	4	regression	regression	NOUN
abrj-454	643	5	analysis	analysis	NOUN
abrj-454	643	6	to	to	ADP
abrj-454	643	7	algorithms	algorithm	NOUN
abrj-454	643	8	:	:	PUNCT
abrj-454	643	9	calling	call	VERB
abrj-454	643	10	for	for	ADP
abrj-454	643	11	adoption	adoption	NOUN
abrj-454	643	12	of	of	ADP
abrj-454	643	13	a	a	DET
abrj-454	643	14	paradigm	paradigm	NOUN
abrj-454	643	15	shift	shift	NOUN
abrj-454	643	16	from	from	ADP
abrj-454	643	17	symmetric	symmetric	ADJ
abrj-454	643	18	to	to	ADP
abrj-454	643	19	asymmetric	asymmetric	ADJ
abrj-454	643	20	thinking	thinking	NOUN
abrj-454	643	21	in	in	ADP
abrj-454	643	22	data	data	NOUN
abrj-454	643	23	analysis	analysis	NOUN
abrj-454	643	24	and	and	CCONJ
abrj-454	643	25	crafting	craft	VERB
abrj-454	643	26	theory	theory	NOUN
abrj-454	643	27	.	.	PUNCT
abrj-454	644	1	journal	journal	PROPN
abrj-454	644	2	of	of	ADP
abrj-454	644	3	business	business	NOUN
abrj-454	644	4	research	research	NOUN
abrj-454	644	5	,	,	PUNCT
abrj-454	644	6	66(4	66(4	NUM
abrj-454	644	7	)	)	PUNCT
abrj-454	644	8	,	,	PUNCT
abrj-454	644	9	463	463	NUM
abrj-454	644	10	-	-	SYM
abrj-454	644	11	472	472	NUM
abrj-454	644	12	.	.	PUNCT
abrj-454	645	1	https://doi.org/10.1016/j.jbusres.2012.03.008	https://doi.org/10.1016/j.jbusres.2012.03.008	NOUN
abrj-454	645	2	world	world	PROPN
abrj-454	645	3	bank	bank	NOUN
abrj-454	645	4	.	.	PUNCT
abrj-454	646	1	(	(	PUNCT
abrj-454	646	2	2017	2017	NUM
abrj-454	646	3	)	)	PUNCT
abrj-454	646	4	.	.	PUNCT
abrj-454	647	1	the	the	DET
abrj-454	647	2	global	global	ADJ
abrj-454	647	3	findex	findex	PROPN
abrj-454	647	4	database	database	PROPN
abrj-454	647	5	2017	2017	NUM
abrj-454	647	6	:	:	PUNCT
abrj-454	647	7	measuring	measure	VERB
abrj-454	647	8	financial	financial	ADJ
abrj-454	647	9	inclusion	inclusion	NOUN
abrj-454	647	10	and	and	CCONJ
abrj-454	647	11	the	the	DET
abrj-454	647	12	fintech	fintech	NOUN
abrj-454	647	13	revolution	revolution	NOUN
abrj-454	647	14	.	.	PUNCT
abrj-454	648	1	washington	washington	PROPN
abrj-454	648	2	,	,	PUNCT
abrj-454	648	3	dc	dc	PROPN
abrj-454	648	4	:	:	PUNCT
abrj-454	648	5	world	world	PROPN
abrj-454	648	6	bank	bank	PROPN
abrj-454	648	7	.	.	PUNCT
abrj-454	649	1	zhang	zhang	PROPN
abrj-454	649	2	,	,	PUNCT
abrj-454	649	3	j.	j.	PROPN
abrj-454	649	4	,	,	PUNCT
abrj-454	649	5	&	&	CCONJ
abrj-454	649	6	liu	liu	PROPN
abrj-454	649	7	,	,	PUNCT
abrj-454	649	8	p.	p.	NOUN
abrj-454	649	9	(	(	PUNCT
abrj-454	649	10	2012	2012	NUM
abrj-454	649	11	)	)	PUNCT
abrj-454	649	12	.	.	PUNCT
abrj-454	650	1	rational	rational	ADJ
abrj-454	650	2	herding	herding	NOUN
abrj-454	650	3	in	in	ADP
abrj-454	650	4	microloan	microloan	NOUN
abrj-454	650	5	markets	market	NOUN
abrj-454	650	6	.	.	PUNCT
abrj-454	651	1	management	management	NOUN
abrj-454	651	2	science	science	NOUN
abrj-454	651	3	,	,	PUNCT
abrj-454	651	4	58(5	58(5	NUM
abrj-454	651	5	)	)	PUNCT
abrj-454	651	6	,	,	PUNCT
abrj-454	651	7	892	892	NUM
abrj-454	651	8	-	-	SYM
abrj-454	651	9	912	912	NUM
abrj-454	651	10	.	.	PUNCT
abrj-454	652	1	https://doi.org/10.1287/mnsc.1120.1539	https://doi.org/10.1287/mnsc.1120.1539	PROPN
abrj-454	652	2	zhao	zhao	PROPN
abrj-454	652	3	,	,	PUNCT
abrj-454	652	4	x.	x.	PROPN
abrj-454	652	5	,	,	PUNCT
abrj-454	652	6	lynch	lynch	PROPN
abrj-454	652	7	jr	jr	PROPN
abrj-454	652	8	,	,	PUNCT
abrj-454	652	9	j.	j.	PROPN
abrj-454	652	10	g.	g.	PROPN
abrj-454	652	11	,	,	PUNCT
abrj-454	652	12	&	&	CCONJ
abrj-454	652	13	chen	chen	PROPN
abrj-454	652	14	,	,	PUNCT
abrj-454	652	15	q.	q.	PROPN
abrj-454	652	16	(	(	PUNCT
abrj-454	652	17	2010	2010	NUM
abrj-454	652	18	)	)	PUNCT
abrj-454	652	19	.	.	PUNCT
abrj-454	653	1	reconsidering	reconsider	VERB
abrj-454	653	2	baron	baron	NOUN
abrj-454	653	3	and	and	CCONJ
abrj-454	653	4	kenny	kenny	PROPN
abrj-454	653	5	:	:	PUNCT
abrj-454	653	6	myths	myth	NOUN
abrj-454	653	7	and	and	CCONJ
abrj-454	653	8	truths	truth	NOUN
abrj-454	653	9	about	about	ADP
abrj-454	653	10	mediation	mediation	NOUN
abrj-454	653	11	analysis	analysis	NOUN
abrj-454	653	12	.	.	PUNCT
abrj-454	654	1	journal	journal	NOUN
abrj-454	654	2	of	of	ADP
abrj-454	654	3	consumer	consumer	NOUN
abrj-454	654	4	research	research	NOUN
abrj-454	654	5	,	,	PUNCT
abrj-454	654	6	37(2	37(2	PROPN
abrj-454	654	7	)	)	PUNCT
abrj-454	654	8	,	,	PUNCT
abrj-454	654	9	197	197	NUM
abrj-454	654	10	-	-	SYM
abrj-454	654	11	206	206	NUM
abrj-454	654	12	.	.	PUNCT
abrj-454	655	1	https://doi.org/10.1086/651257	https://doi.org/10.1086/651257	NOUN
abrj-454	655	2	http://gflec.org/initiatives/sp-global-finlit-survey/	http://gflec.org/initiatives/sp-global-finlit-survey/	PROPN