id	sid	tid	token	lemma	pos
abrj-471	1	1	21	21	NUM
abrj-471	1	2	©	©	PROPN
abrj-471	1	3	2025	2025	NUM
abrj-471	1	4	by	by	ADP
abrj-471	1	5	the	the	DET
abrj-471	1	6	authors	author	NOUN
abrj-471	1	7	;	;	PUNCT
abrj-471	1	8	licensee	licensee	NOUN
abrj-471	1	9	eastern	eastern	ADJ
abrj-471	1	10	centre	centre	NOUN
abrj-471	1	11	of	of	ADP
abrj-471	1	12	science	science	NOUN
abrj-471	1	13	and	and	CCONJ
abrj-471	1	14	education	education	NOUN
abrj-471	1	15	,	,	PUNCT
abrj-471	1	16	usa	usa	PROPN
abrj-471	1	17	asian	asian	PROPN
abrj-471	1	18	business	business	PROPN
abrj-471	1	19	research	research	PROPN
abrj-471	1	20	journal	journal	PROPN
abrj-471	1	21	vol	vol	NOUN
abrj-471	1	22	.	.	PROPN
abrj-471	2	1	10	10	NUM
abrj-471	2	2	,	,	PUNCT
abrj-471	2	3	no	no	INTJ
abrj-471	2	4	.	.	NOUN
abrj-471	2	5	6	6	NUM
abrj-471	2	6	,	,	PUNCT
abrj-471	2	7	21	21	NUM
abrj-471	2	8	-	-	SYM
abrj-471	2	9	27	27	NUM
abrj-471	2	10	,	,	PUNCT
abrj-471	2	11	2025	2025	NUM
abrj-471	2	12	issn	issn	NOUN
abrj-471	2	13	:	:	PUNCT
abrj-471	2	14	2576	2576	NUM
abrj-471	2	15	-	-	SYM
abrj-471	2	16	6759	6759	NUM
abrj-471	2	17	doi	doi	NOUN
abrj-471	2	18	:	:	PUNCT
abrj-471	2	19	10.55220/25766759.471	10.55220/25766759.471	NUM
abrj-471	2	20	©	©	PROPN
abrj-471	2	21	2025	2025	NUM
abrj-471	2	22	by	by	ADP
abrj-471	2	23	the	the	DET
abrj-471	2	24	authors	author	NOUN
abrj-471	2	25	;	;	PUNCT
abrj-471	2	26	licensee	licensee	NOUN
abrj-471	2	27	eastern	eastern	ADJ
abrj-471	2	28	centre	centre	NOUN
abrj-471	2	29	of	of	ADP
abrj-471	2	30	science	science	NOUN
abrj-471	2	31	and	and	CCONJ
abrj-471	2	32	education	education	NOUN
abrj-471	2	33	,	,	PUNCT
abrj-471	2	34	usa	usa	PROPN
abrj-471	2	35	the	the	DET
abrj-471	2	36	impact	impact	NOUN
abrj-471	2	37	of	of	ADP
abrj-471	2	38	digital	digital	ADJ
abrj-471	2	39	financial	financial	ADJ
abrj-471	2	40	literacy	literacy	NOUN
abrj-471	2	41	on	on	ADP
abrj-471	2	42	fintech	fintech	NOUN
abrj-471	2	43	adoption	adoption	NOUN
abrj-471	2	44	among	among	ADP
abrj-471	2	45	students	student	NOUN
abrj-471	2	46	in	in	ADP
abrj-471	2	47	hanoi	hanoi	PROPN
abrj-471	2	48	dinh	dinh	NOUN
abrj-471	2	49	the	the	DET
abrj-471	2	50	hung1	hung1	NOUN
abrj-471	2	51			PROPN
abrj-471	2	52	tran	tran	PROPN
abrj-471	2	53	nguyen	nguyen	PROPN
abrj-471	3	1	nhat	nhat	PROPN
abrj-471	3	2	nam2	nam2	PROPN
abrj-471	3	3	tran	tran	PROPN
abrj-471	3	4	vu	vu	PROPN
abrj-471	3	5	hoang	hoang	PROPN
abrj-471	3	6	nam3	nam3	PROPN
abrj-471	3	7	1national	1national	NUM
abrj-471	3	8	economics	economic	NOUN
abrj-471	3	9	university	university	NOUN
abrj-471	3	10	,	,	PUNCT
abrj-471	3	11	vietnam	vietnam	PROPN
abrj-471	3	12	.	.	PUNCT
abrj-471	4	1	2,3nhan	2,3nhan	NUM
abrj-471	4	2	chinh	chinh	PROPN
abrj-471	4	3	high	high	PROPN
abrj-471	4	4	school	school	PROPN
abrj-471	4	5	,	,	PUNCT
abrj-471	4	6	vietnam	vietnam	PROPN
abrj-471	4	7	.	.	PUNCT
abrj-471	4	8	email	email	NOUN
abrj-471	4	9	:	:	PUNCT
abrj-471	4	10	hungdt@neu.edu.vn	hungdt@neu.edu.vn	ADJ
abrj-471	4	11	email	email	NOUN
abrj-471	4	12	:	:	PUNCT
abrj-471	4	13	nhatnam031108@gmail.com	nhatnam031108@gmail.com	X
abrj-471	4	14	email	email	NOUN
abrj-471	4	15	:	:	PUNCT
abrj-471	4	16	tranvuhoangnam031108@gmail.com	tranvuhoangnam031108@gmail.com	X
abrj-471	5	1	(	(	PUNCT
abrj-471	5	2			PROPN
abrj-471	5	3	corresponding	correspond	VERB
abrj-471	5	4	author	author	NOUN
abrj-471	5	5	)	)	PUNCT
abrj-471	5	6	abstract	abstract	ADP
abrj-471	5	7	this	this	DET
abrj-471	5	8	paper	paper	NOUN
abrj-471	5	9	aims	aim	VERB
abrj-471	5	10	to	to	PART
abrj-471	5	11	investigate	investigate	VERB
abrj-471	5	12	the	the	DET
abrj-471	5	13	impact	impact	NOUN
abrj-471	5	14	of	of	ADP
abrj-471	5	15	digital	digital	ADJ
abrj-471	5	16	financial	financial	ADJ
abrj-471	5	17	literacy	literacy	NOUN
abrj-471	5	18	on	on	ADP
abrj-471	5	19	the	the	DET
abrj-471	5	20	adoption	adoption	NOUN
abrj-471	5	21	of	of	ADP
abrj-471	5	22	financial	financial	ADJ
abrj-471	5	23	technology	technology	NOUN
abrj-471	5	24	(	(	PUNCT
abrj-471	5	25	fintech	fintech	NOUN
abrj-471	5	26	)	)	PUNCT
abrj-471	5	27	among	among	ADP
abrj-471	5	28	secondary	secondary	ADJ
abrj-471	5	29	and	and	CCONJ
abrj-471	5	30	tertiary	tertiary	ADJ
abrj-471	5	31	students	student	NOUN
abrj-471	5	32	in	in	ADP
abrj-471	5	33	hanoi	hanoi	PROPN
abrj-471	5	34	,	,	PUNCT
abrj-471	5	35	vietnam	vietnam	PROPN
abrj-471	5	36	.	.	PUNCT
abrj-471	6	1	integrating	integrate	VERB
abrj-471	6	2	theoretical	theoretical	ADJ
abrj-471	6	3	frameworks	framework	NOUN
abrj-471	6	4	such	such	ADJ
abrj-471	6	5	as	as	ADP
abrj-471	6	6	unified	unified	ADJ
abrj-471	6	7	theory	theory	NOUN
abrj-471	6	8	of	of	ADP
abrj-471	6	9	acceptance	acceptance	NOUN
abrj-471	6	10	and	and	CCONJ
abrj-471	6	11	use	use	NOUN
abrj-471	6	12	of	of	ADP
abrj-471	6	13	technology	technology	NOUN
abrj-471	6	14	(	(	PUNCT
abrj-471	6	15	utaut2	utaut2	NOUN
abrj-471	6	16	)	)	PUNCT
abrj-471	6	17	and	and	CCONJ
abrj-471	6	18	the	the	DET
abrj-471	6	19	theory	theory	NOUN
abrj-471	6	20	of	of	ADP
abrj-471	6	21	planned	plan	VERB
abrj-471	6	22	behavior	behavior	NOUN
abrj-471	6	23	(	(	PUNCT
abrj-471	6	24	tpb	tpb	NOUN
abrj-471	6	25	)	)	PUNCT
abrj-471	6	26	,	,	PUNCT
abrj-471	6	27	this	this	DET
abrj-471	6	28	study	study	NOUN
abrj-471	6	29	explores	explore	VERB
abrj-471	6	30	the	the	DET
abrj-471	6	31	influence	influence	NOUN
abrj-471	6	32	of	of	ADP
abrj-471	6	33	various	various	ADJ
abrj-471	6	34	factors	factor	NOUN
abrj-471	6	35	including	include	VERB
abrj-471	6	36	performance	performance	NOUN
abrj-471	6	37	expectancy	expectancy	NOUN
abrj-471	6	38	,	,	PUNCT
abrj-471	6	39	risk	risk	NOUN
abrj-471	6	40	perception	perception	NOUN
abrj-471	6	41	,	,	PUNCT
abrj-471	6	42	subjective	subjective	ADJ
abrj-471	6	43	norms	norm	NOUN
abrj-471	6	44	,	,	PUNCT
abrj-471	6	45	perceived	perceive	VERB
abrj-471	6	46	behavioral	behavioral	ADJ
abrj-471	6	47	control	control	NOUN
abrj-471	6	48	,	,	PUNCT
abrj-471	6	49	convenience	convenience	NOUN
abrj-471	6	50	,	,	PUNCT
abrj-471	6	51	security	security	NOUN
abrj-471	6	52	,	,	PUNCT
abrj-471	6	53	personal	personal	ADJ
abrj-471	6	54	motivation	motivation	NOUN
abrj-471	6	55	,	,	PUNCT
abrj-471	6	56	financial	financial	ADJ
abrj-471	6	57	attitude	attitude	NOUN
abrj-471	6	58	,	,	PUNCT
abrj-471	6	59	and	and	CCONJ
abrj-471	6	60	financial	financial	ADJ
abrj-471	6	61	behavior	behavior	NOUN
abrj-471	6	62	on	on	ADP
abrj-471	6	63	the	the	DET
abrj-471	6	64	intention	intention	NOUN
abrj-471	6	65	and	and	CCONJ
abrj-471	6	66	actual	actual	ADJ
abrj-471	6	67	use	use	NOUN
abrj-471	6	68	of	of	ADP
abrj-471	6	69	fintech	fintech	NOUN
abrj-471	6	70	.	.	PUNCT
abrj-471	7	1	based	base	VERB
abrj-471	7	2	on	on	ADP
abrj-471	7	3	empirical	empirical	ADJ
abrj-471	7	4	findings	finding	NOUN
abrj-471	7	5	,	,	PUNCT
abrj-471	7	6	the	the	DET
abrj-471	7	7	authors	author	NOUN
abrj-471	7	8	propose	propose	VERB
abrj-471	7	9	recommendations	recommendation	NOUN
abrj-471	7	10	to	to	PART
abrj-471	7	11	enhance	enhance	VERB
abrj-471	7	12	digital	digital	ADJ
abrj-471	7	13	financial	financial	ADJ
abrj-471	7	14	literacy	literacy	NOUN
abrj-471	7	15	among	among	ADP
abrj-471	7	16	students	student	NOUN
abrj-471	7	17	,	,	PUNCT
abrj-471	7	18	highlighting	highlight	VERB
abrj-471	7	19	its	its	PRON
abrj-471	7	20	pivotal	pivotal	ADJ
abrj-471	7	21	role	role	NOUN
abrj-471	7	22	in	in	ADP
abrj-471	7	23	expanding	expand	VERB
abrj-471	7	24	access	access	NOUN
abrj-471	7	25	to	to	ADP
abrj-471	7	26	and	and	CCONJ
abrj-471	7	27	adoption	adoption	NOUN
abrj-471	7	28	of	of	ADP
abrj-471	7	29	modern	modern	ADJ
abrj-471	7	30	financial	financial	ADJ
abrj-471	7	31	services	service	NOUN
abrj-471	7	32	.	.	PUNCT
abrj-471	8	1	keywords	keyword	NOUN
abrj-471	8	2	:	:	PUNCT
abrj-471	8	3	digital	digital	ADJ
abrj-471	8	4	financial	financial	ADJ
abrj-471	8	5	literacy	literacy	NOUN
abrj-471	8	6	,	,	PUNCT
abrj-471	8	7	financial	financial	ADJ
abrj-471	8	8	literacy	literacy	NOUN
abrj-471	8	9	,	,	PUNCT
abrj-471	8	10	fintech	fintech	NOUN
abrj-471	8	11	,	,	PUNCT
abrj-471	8	12	perceived	perceive	VERB
abrj-471	8	13	behavioral	behavioral	ADJ
abrj-471	8	14	control	control	NOUN
abrj-471	8	15	,	,	PUNCT
abrj-471	8	16	subjective	subjective	ADJ
abrj-471	8	17	norm	norm	NOUN
abrj-471	8	18	.	.	PUNCT
abrj-471	9	1	1	1	X
abrj-471	9	2	.	.	X
abrj-471	9	3	introduction	introduction	NOUN
abrj-471	9	4	in	in	ADP
abrj-471	9	5	the	the	DET
abrj-471	9	6	context	context	NOUN
abrj-471	9	7	of	of	ADP
abrj-471	9	8	an	an	DET
abrj-471	9	9	accelerating	accelerate	VERB
abrj-471	9	10	digital	digital	ADJ
abrj-471	9	11	transformation	transformation	NOUN
abrj-471	9	12	particularly	particularly	ADV
abrj-471	9	13	within	within	ADP
abrj-471	9	14	the	the	DET
abrj-471	9	15	finance	finance	NOUN
abrj-471	9	16	and	and	CCONJ
abrj-471	9	17	banking	banking	NOUN
abrj-471	9	18	sectors	sector	NOUN
abrj-471	9	19	it	it	PRON
abrj-471	9	20	is	be	AUX
abrj-471	9	21	essential	essential	ADJ
abrj-471	9	22	to	to	PART
abrj-471	9	23	understand	understand	VERB
abrj-471	9	24	young	young	ADJ
abrj-471	9	25	people	people	NOUN
abrj-471	9	26	’s	’s	PART
abrj-471	9	27	awareness	awareness	NOUN
abrj-471	9	28	and	and	CCONJ
abrj-471	9	29	competencies	competency	NOUN
abrj-471	9	30	in	in	ADP
abrj-471	9	31	digital	digital	ADJ
abrj-471	9	32	financial	financial	ADJ
abrj-471	9	33	literacy	literacy	NOUN
abrj-471	9	34	to	to	PART
abrj-471	9	35	foster	foster	VERB
abrj-471	9	36	a	a	DET
abrj-471	9	37	sustainable	sustainable	ADJ
abrj-471	9	38	and	and	CCONJ
abrj-471	9	39	inclusive	inclusive	ADJ
abrj-471	9	40	financial	financial	ADJ
abrj-471	9	41	ecosystem	ecosystem	NOUN
abrj-471	9	42	.	.	PUNCT
abrj-471	10	1	fintech	fintech	NOUN
abrj-471	10	2	services	service	NOUN
abrj-471	10	3	such	such	ADJ
abrj-471	10	4	as	as	ADP
abrj-471	10	5	e	e	NOUN
abrj-471	10	6	-	-	NOUN
abrj-471	10	7	wallets	wallet	NOUN
abrj-471	10	8	,	,	PUNCT
abrj-471	10	9	digital	digital	ADJ
abrj-471	10	10	banking	banking	NOUN
abrj-471	10	11	,	,	PUNCT
abrj-471	10	12	online	online	ADJ
abrj-471	10	13	investing	investing	NOUN
abrj-471	10	14	,	,	PUNCT
abrj-471	10	15	and	and	CCONJ
abrj-471	10	16	peer	peer	NOUN
abrj-471	10	17	-	-	PUNCT
abrj-471	10	18	to	to	ADP
abrj-471	10	19	-	-	PUNCT
abrj-471	10	20	peer	peer	NOUN
abrj-471	10	21	lending	lending	NOUN
abrj-471	10	22	are	be	AUX
abrj-471	10	23	increasingly	increasingly	ADV
abrj-471	10	24	prevalent	prevalent	ADJ
abrj-471	10	25	in	in	ADP
abrj-471	10	26	vietnam	vietnam	PROPN
abrj-471	10	27	,	,	PUNCT
abrj-471	10	28	especially	especially	ADV
abrj-471	10	29	among	among	ADP
abrj-471	10	30	urban	urban	ADJ
abrj-471	10	31	youth	youth	NOUN
abrj-471	10	32	like	like	ADP
abrj-471	10	33	students	student	NOUN
abrj-471	10	34	.	.	PUNCT
abrj-471	11	1	however	however	ADV
abrj-471	11	2	,	,	PUNCT
abrj-471	11	3	the	the	DET
abrj-471	11	4	safe	safe	ADJ
abrj-471	11	5	and	and	CCONJ
abrj-471	11	6	effective	effective	ADJ
abrj-471	11	7	usage	usage	NOUN
abrj-471	11	8	of	of	ADP
abrj-471	11	9	such	such	ADJ
abrj-471	11	10	services	service	NOUN
abrj-471	11	11	requires	require	VERB
abrj-471	11	12	a	a	DET
abrj-471	11	13	solid	solid	ADJ
abrj-471	11	14	foundation	foundation	NOUN
abrj-471	11	15	in	in	ADP
abrj-471	11	16	financial	financial	ADJ
abrj-471	11	17	knowledge	knowledge	NOUN
abrj-471	11	18	especially	especially	ADV
abrj-471	11	19	digital	digital	ADJ
abrj-471	11	20	financial	financial	ADJ
abrj-471	11	21	literacy	literacy	NOUN
abrj-471	11	22	,	,	PUNCT
abrj-471	11	23	which	which	PRON
abrj-471	11	24	encompasses	encompass	VERB
abrj-471	11	25	personal	personal	ADJ
abrj-471	11	26	financial	financial	ADJ
abrj-471	11	27	management	management	NOUN
abrj-471	11	28	,	,	PUNCT
abrj-471	11	29	information	information	NOUN
abrj-471	11	30	security	security	NOUN
abrj-471	11	31	,	,	PUNCT
abrj-471	11	32	risk	risk	NOUN
abrj-471	11	33	assessment	assessment	NOUN
abrj-471	11	34	,	,	PUNCT
abrj-471	11	35	and	and	CCONJ
abrj-471	11	36	safe	safe	ADJ
abrj-471	11	37	technological	technological	ADJ
abrj-471	11	38	practices	practice	NOUN
abrj-471	11	39	.	.	PUNCT
abrj-471	12	1	although	although	SCONJ
abrj-471	12	2	students	student	NOUN
abrj-471	12	3	are	be	AUX
abrj-471	12	4	tech	tech	NOUN
abrj-471	12	5	-	-	PUNCT
abrj-471	12	6	savvy	savvy	ADJ
abrj-471	12	7	and	and	CCONJ
abrj-471	12	8	adaptable	adaptable	ADJ
abrj-471	12	9	,	,	PUNCT
abrj-471	12	10	they	they	PRON
abrj-471	12	11	typically	typically	ADV
abrj-471	12	12	lack	lack	VERB
abrj-471	12	13	experience	experience	NOUN
abrj-471	12	14	and	and	CCONJ
abrj-471	12	15	comprehensive	comprehensive	ADJ
abrj-471	12	16	financial	financial	ADJ
abrj-471	12	17	understanding	understanding	NOUN
abrj-471	12	18	,	,	PUNCT
abrj-471	12	19	making	make	VERB
abrj-471	12	20	them	they	PRON
abrj-471	12	21	prone	prone	ADJ
abrj-471	12	22	to	to	ADP
abrj-471	12	23	mistakes	mistake	NOUN
abrj-471	12	24	when	when	SCONJ
abrj-471	12	25	using	use	VERB
abrj-471	12	26	digital	digital	ADJ
abrj-471	12	27	financial	financial	ADJ
abrj-471	12	28	products	product	NOUN
abrj-471	12	29	.	.	PUNCT
abrj-471	13	1	this	this	DET
abrj-471	13	2	study	study	NOUN
abrj-471	13	3	aims	aim	VERB
abrj-471	13	4	to	to	PART
abrj-471	13	5	clarify	clarify	VERB
abrj-471	13	6	the	the	DET
abrj-471	13	7	role	role	NOUN
abrj-471	13	8	of	of	ADP
abrj-471	13	9	digital	digital	ADJ
abrj-471	13	10	financial	financial	ADJ
abrj-471	13	11	literacy	literacy	NOUN
abrj-471	13	12	in	in	ADP
abrj-471	13	13	shaping	shaping	NOUN
abrj-471	13	14	and	and	CCONJ
abrj-471	13	15	influencing	influence	VERB
abrj-471	13	16	fintech	fintech	NOUN
abrj-471	13	17	usage	usage	NOUN
abrj-471	13	18	behavior	behavior	NOUN
abrj-471	13	19	among	among	ADP
abrj-471	13	20	students	student	NOUN
abrj-471	13	21	in	in	ADP
abrj-471	13	22	hanoi	hanoi	PROPN
abrj-471	13	23	.	.	PUNCT
abrj-471	14	1	it	it	PRON
abrj-471	14	2	assesses	assess	VERB
abrj-471	14	3	students	student	NOUN
abrj-471	14	4	’	’	PART
abrj-471	14	5	understanding	understanding	NOUN
abrj-471	14	6	of	of	ADP
abrj-471	14	7	digital	digital	ADJ
abrj-471	14	8	financial	financial	ADJ
abrj-471	14	9	concepts	concept	NOUN
abrj-471	14	10	,	,	PUNCT
abrj-471	14	11	tools	tool	NOUN
abrj-471	14	12	,	,	PUNCT
abrj-471	14	13	and	and	CCONJ
abrj-471	14	14	applications	application	NOUN
abrj-471	14	15	,	,	PUNCT
abrj-471	14	16	and	and	CCONJ
abrj-471	14	17	examines	examine	VERB
abrj-471	14	18	the	the	DET
abrj-471	14	19	relationship	relationship	NOUN
abrj-471	14	20	between	between	ADP
abrj-471	14	21	their	their	PRON
abrj-471	14	22	level	level	NOUN
abrj-471	14	23	of	of	ADP
abrj-471	14	24	digital	digital	ADJ
abrj-471	14	25	financial	financial	ADJ
abrj-471	14	26	literacy	literacy	NOUN
abrj-471	14	27	and	and	CCONJ
abrj-471	14	28	their	their	PRON
abrj-471	14	29	usage	usage	NOUN
abrj-471	14	30	behavior	behavior	NOUN
abrj-471	14	31	of	of	ADP
abrj-471	14	32	various	various	ADJ
abrj-471	14	33	fintech	fintech	NOUN
abrj-471	14	34	services	service	NOUN
abrj-471	14	35	:	:	PUNCT
abrj-471	14	36	e	e	NOUN
abrj-471	14	37	-	-	NOUN
abrj-471	14	38	wallets	wallet	NOUN
abrj-471	14	39	,	,	PUNCT
abrj-471	14	40	digital	digital	ADJ
abrj-471	14	41	banking	banking	NOUN
abrj-471	14	42	,	,	PUNCT
abrj-471	14	43	online	online	ADJ
abrj-471	14	44	investing	investing	NOUN
abrj-471	14	45	platforms	platform	NOUN
abrj-471	14	46	,	,	PUNCT
abrj-471	14	47	p2p	p2p	NOUN
abrj-471	14	48	lending	lending	NOUN
abrj-471	14	49	,	,	PUNCT
abrj-471	14	50	and	and	CCONJ
abrj-471	14	51	personal	personal	ADJ
abrj-471	14	52	expense	expense	NOUN
abrj-471	14	53	management	management	NOUN
abrj-471	14	54	apps	app	NOUN
abrj-471	14	55	.	.	PUNCT
abrj-471	15	1	the	the	DET
abrj-471	15	2	study	study	NOUN
abrj-471	15	3	then	then	ADV
abrj-471	15	4	demonstrates	demonstrate	VERB
abrj-471	15	5	the	the	DET
abrj-471	15	6	impact	impact	NOUN
abrj-471	15	7	of	of	ADP
abrj-471	15	8	this	this	DET
abrj-471	15	9	literacy	literacy	NOUN
abrj-471	15	10	on	on	ADP
abrj-471	15	11	fintech	fintech	NOUN
abrj-471	15	12	adoption	adoption	NOUN
abrj-471	15	13	decisions	decision	NOUN
abrj-471	15	14	,	,	PUNCT
abrj-471	15	15	considering	consider	VERB
abrj-471	15	16	moderating	moderate	VERB
abrj-471	15	17	variables	variable	NOUN
abrj-471	15	18	like	like	ADP
abrj-471	15	19	age	age	NOUN
abrj-471	15	20	,	,	PUNCT
abrj-471	15	21	field	field	NOUN
abrj-471	15	22	of	of	ADP
abrj-471	15	23	study	study	NOUN
abrj-471	15	24	,	,	PUNCT
abrj-471	15	25	and	and	CCONJ
abrj-471	15	26	prior	prior	ADJ
abrj-471	15	27	experience	experience	NOUN
abrj-471	15	28	with	with	ADP
abrj-471	15	29	technology	technology	NOUN
abrj-471	15	30	.	.	PUNCT
abrj-471	16	1	finally	finally	ADV
abrj-471	16	2	,	,	PUNCT
abrj-471	16	3	based	base	VERB
abrj-471	16	4	on	on	ADP
abrj-471	16	5	its	its	PRON
abrj-471	16	6	findings	finding	NOUN
abrj-471	16	7	,	,	PUNCT
abrj-471	16	8	the	the	DET
abrj-471	16	9	authors	author	NOUN
abrj-471	16	10	offer	offer	VERB
abrj-471	16	11	recommendations	recommendation	NOUN
abrj-471	16	12	for	for	ADP
abrj-471	16	13	strengthening	strengthen	VERB
abrj-471	16	14	digital	digital	ADJ
abrj-471	16	15	financial	financial	ADJ
abrj-471	16	16	literacy	literacy	NOUN
abrj-471	16	17	among	among	ADP
abrj-471	16	18	students	student	NOUN
abrj-471	16	19	in	in	ADP
abrj-471	16	20	hanoi	hanoi	NOUN
abrj-471	16	21	and	and	CCONJ
abrj-471	16	22	guide	guide	VERB
abrj-471	16	23	educational	educational	ADJ
abrj-471	16	24	policies	policy	NOUN
abrj-471	16	25	appropriate	appropriate	ADJ
abrj-471	16	26	for	for	ADP
abrj-471	16	27	the	the	DET
abrj-471	16	28	digital	digital	ADJ
abrj-471	16	29	age	age	NOUN
abrj-471	16	30	.	.	PUNCT
abrj-471	17	1	2	2	X
abrj-471	17	2	.	.	X
abrj-471	17	3	research	research	NOUN
abrj-471	17	4	overview	overview	NOUN
abrj-471	17	5	amid	amid	ADP
abrj-471	17	6	rapid	rapid	ADJ
abrj-471	17	7	digital	digital	ADJ
abrj-471	17	8	transformation	transformation	NOUN
abrj-471	17	9	,	,	PUNCT
abrj-471	17	10	fintech	fintech	NOUN
abrj-471	17	11	plays	play	VERB
abrj-471	17	12	an	an	DET
abrj-471	17	13	increasingly	increasingly	ADV
abrj-471	17	14	crucial	crucial	ADJ
abrj-471	17	15	role	role	NOUN
abrj-471	17	16	in	in	ADP
abrj-471	17	17	socio	socio	NOUN
abrj-471	17	18	-	-	PUNCT
abrj-471	17	19	economic	economic	ADJ
abrj-471	17	20	life	life	NOUN
abrj-471	17	21	.	.	PUNCT
abrj-471	18	1	for	for	ADP
abrj-471	18	2	youth	youth	NOUN
abrj-471	18	3	,	,	PUNCT
abrj-471	18	4	who	who	PRON
abrj-471	18	5	readily	readily	ADV
abrj-471	18	6	adopt	adopt	VERB
abrj-471	18	7	technology	technology	NOUN
abrj-471	18	8	,	,	PUNCT
abrj-471	18	9	fintech	fintech	NOUN
abrj-471	18	10	offers	offer	VERB
abrj-471	18	11	numerous	numerous	ADJ
abrj-471	18	12	conveniences	convenience	NOUN
abrj-471	18	13	in	in	ADP
abrj-471	18	14	personal	personal	ADJ
abrj-471	18	15	finance	finance	NOUN
abrj-471	18	16	management	management	NOUN
abrj-471	18	17	,	,	PUNCT
abrj-471	18	18	payments	payment	NOUN
abrj-471	18	19	,	,	PUNCT
abrj-471	18	20	saving	saving	NOUN
abrj-471	18	21	,	,	PUNCT
abrj-471	18	22	and	and	CCONJ
abrj-471	18	23	investment	investment	NOUN
abrj-471	18	24	.	.	PUNCT
abrj-471	19	1	however	however	ADV
abrj-471	19	2	,	,	PUNCT
abrj-471	19	3	fintech	fintech	NOUN
abrj-471	19	4	usage	usage	NOUN
abrj-471	19	5	is	be	AUX
abrj-471	19	6	not	not	PART
abrj-471	19	7	only	only	ADV
abrj-471	19	8	shaped	shape	VERB
abrj-471	19	9	by	by	ADP
abrj-471	19	10	technology	technology	NOUN
abrj-471	19	11	and	and	CCONJ
abrj-471	19	12	consumption	consumption	NOUN
abrj-471	19	13	habits	habit	NOUN
abrj-471	19	14	but	but	CCONJ
abrj-471	19	15	is	be	AUX
abrj-471	19	16	also	also	ADV
abrj-471	19	17	significantly	significantly	ADV
abrj-471	19	18	influenced	influence	VERB
abrj-471	19	19	by	by	ADP
abrj-471	19	20	users	user	NOUN
abrj-471	19	21	’	'	PUNCT
abrj-471	19	22	digital	digital	ADJ
abrj-471	19	23	financial	financial	ADJ
abrj-471	19	24	literacy	literacy	NOUN
abrj-471	19	25	.	.	PUNCT
abrj-471	20	1	nguyen	nguyen	PROPN
abrj-471	20	2	nam	nam	PROPN
abrj-471	20	3	hai	hai	PROPN
abrj-471	20	4	(	(	PUNCT
abrj-471	20	5	2021	2021	NUM
abrj-471	20	6	)	)	PUNCT
abrj-471	20	7	applied	apply	VERB
abrj-471	20	8	the	the	DET
abrj-471	20	9	utaut2	utaut2	NOUN
abrj-471	20	10	model	model	NOUN
abrj-471	20	11	using	use	VERB
abrj-471	20	12	data	datum	NOUN
abrj-471	20	13	from	from	ADP
abrj-471	20	14	250	250	NUM
abrj-471	20	15	customers	customer	NOUN
abrj-471	20	16	in	in	ADP
abrj-471	20	17	hochiminh	hochiminh	PROPN
abrj-471	20	18	city	city	PROPN
abrj-471	20	19	to	to	PART
abrj-471	20	20	identify	identify	VERB
abrj-471	20	21	drivers	driver	NOUN
abrj-471	20	22	of	of	ADP
abrj-471	20	23	fintech	fintech	NOUN
abrj-471	20	24	adoption	adoption	NOUN
abrj-471	20	25	:	:	PUNCT
abrj-471	20	26	effort	effort	NOUN
abrj-471	20	27	expectancy	expectancy	NOUN
abrj-471	20	28	,	,	PUNCT
abrj-471	20	29	performance	performance	NOUN
abrj-471	20	30	expectancy	expectancy	NOUN
abrj-471	20	31	,	,	PUNCT
abrj-471	20	32	social	social	ADJ
abrj-471	20	33	influence	influence	NOUN
abrj-471	20	34	,	,	PUNCT
abrj-471	20	35	facilitating	facilitate	VERB
abrj-471	20	36	conditions	condition	NOUN
abrj-471	20	37	,	,	PUNCT
abrj-471	20	38	hedonic	hedonic	ADJ
abrj-471	20	39	motivation	motivation	NOUN
abrj-471	20	40	,	,	PUNCT
abrj-471	20	41	and	and	CCONJ
abrj-471	20	42	price	price	NOUN
abrj-471	20	43	value	value	NOUN
abrj-471	20	44	.	.	PUNCT
abrj-471	21	1	dao	dao	VERB
abrj-471	21	2	my	my	PRON
abrj-471	21	3	hang	hang	NOUN
abrj-471	21	4	et	et	PROPN
abrj-471	21	5	al	al	PROPN
abrj-471	21	6	.	.	PROPN
abrj-471	22	1	(	(	PUNCT
abrj-471	22	2	2018	2018	NUM
abrj-471	22	3	)	)	PUNCT
abrj-471	22	4	focused	focus	VERB
abrj-471	22	5	on	on	ADP
abrj-471	22	6	determinants	determinant	NOUN
abrj-471	22	7	of	of	ADP
abrj-471	22	8	fintech	fintech	NOUN
abrj-471	22	9	usage	usage	NOUN
abrj-471	22	10	in	in	ADP
abrj-471	22	11	the	the	DET
abrj-471	22	12	payment	payment	NOUN
abrj-471	22	13	sector	sector	NOUN
abrj-471	22	14	in	in	ADP
abrj-471	22	15	vietnam	vietnam	PROPN
abrj-471	22	16	,	,	PUNCT
abrj-471	22	17	noting	note	VERB
abrj-471	22	18	positive	positive	ADJ
abrj-471	22	19	effects	effect	NOUN
abrj-471	22	20	of	of	ADP
abrj-471	22	21	behavioral	behavioral	ADJ
abrj-471	22	22	perception	perception	NOUN
abrj-471	22	23	and	and	CCONJ
abrj-471	22	24	convenience	convenience	NOUN
abrj-471	22	25	on	on	ADP
abrj-471	22	26	fintech	fintech	NOUN
abrj-471	22	27	intentions	intention	NOUN
abrj-471	22	28	.	.	PUNCT
abrj-471	23	1	tran	tran	PROPN
abrj-471	23	2	thi	thi	AUX
abrj-471	23	3	thanh	thanh	PROPN
abrj-471	23	4	huyen	huyen	PROPN
abrj-471	23	5	(	(	PUNCT
abrj-471	23	6	2021	2021	NUM
abrj-471	23	7	)	)	PUNCT
abrj-471	23	8	utilized	utilize	VERB
abrj-471	23	9	utaut	utaut	NOUN
abrj-471	23	10	to	to	PART
abrj-471	23	11	analyze	analyze	VERB
abrj-471	23	12	fintech	fintech	NOUN
abrj-471	23	13	adoption	adoption	NOUN
abrj-471	23	14	,	,	PUNCT
abrj-471	23	15	highlighting	highlight	VERB
abrj-471	23	16	behavioral	behavioral	ADJ
abrj-471	23	17	perceptions	perception	NOUN
abrj-471	23	18	,	,	PUNCT
abrj-471	23	19	convenience	convenience	NOUN
abrj-471	23	20	,	,	PUNCT
abrj-471	23	21	and	and	CCONJ
abrj-471	23	22	social	social	ADJ
abrj-471	23	23	influence	influence	NOUN
abrj-471	23	24	.	.	PUNCT
abrj-471	24	1	to	to	PART
abrj-471	24	2	minh	minh	VERB
abrj-471	24	3	thu	thu	PROPN
abrj-471	24	4	(	(	PUNCT
abrj-471	24	5	2022	2022	NUM
abrj-471	24	6	)	)	PUNCT
abrj-471	24	7	emphasized	emphasize	VERB
abrj-471	24	8	that	that	SCONJ
abrj-471	24	9	enhancing	enhance	VERB
abrj-471	24	10	digital	digital	ADJ
abrj-471	24	11	financial	financial	ADJ
abrj-471	24	12	knowledge	knowledge	NOUN
abrj-471	24	13	is	be	AUX
abrj-471	24	14	key	key	ADJ
abrj-471	24	15	to	to	ADP
abrj-471	24	16	achieving	achieve	VERB
abrj-471	24	17	inclusive	inclusive	ADJ
abrj-471	24	18	finance	finance	NOUN
abrj-471	24	19	amid	amid	ADP
abrj-471	24	20	digital	digital	ADJ
abrj-471	24	21	advancements	advancement	NOUN
abrj-471	24	22	.	.	PUNCT
abrj-471	25	1	mailto:hungdt@neu.edu.vn	mailto:hungdt@neu.edu.vn	NOUN
abrj-471	25	2	mailto:nhatnam031108@gmail.com	mailto:nhatnam031108@gmail.com	PROPN
abrj-471	25	3	mailto:tranvuhoangnam031108@gmail.com	mailto:tranvuhoangnam031108@gmail.com	PROPN
abrj-471	25	4	https://doi.org/10.55220/25766759.471	https://doi.org/10.55220/25766759.471	PROPN
abrj-471	25	5	asian	asian	ADJ
abrj-471	25	6	business	business	NOUN
abrj-471	25	7	research	research	NOUN
abrj-471	25	8	journal	journal	NOUN
abrj-471	25	9	,	,	PUNCT
abrj-471	25	10	2025	2025	NUM
abrj-471	25	11	,	,	PUNCT
abrj-471	25	12	10(6	10(6	NUM
abrj-471	25	13	):	):	PUNCT
abrj-471	25	14	21	21	NUM
abrj-471	25	15	-	-	SYM
abrj-471	25	16	27	27	NUM
abrj-471	25	17	22	22	NUM
abrj-471	25	18	©	©	ADP
abrj-471	25	19	2025	2025	NUM
abrj-471	25	20	by	by	ADP
abrj-471	25	21	the	the	DET
abrj-471	25	22	authors	author	NOUN
abrj-471	25	23	;	;	PUNCT
abrj-471	25	24	licensee	licensee	NOUN
abrj-471	25	25	eastern	eastern	ADJ
abrj-471	25	26	centre	centre	NOUN
abrj-471	25	27	of	of	ADP
abrj-471	25	28	science	science	NOUN
abrj-471	25	29	and	and	CCONJ
abrj-471	25	30	education	education	NOUN
abrj-471	25	31	,	,	PUNCT
abrj-471	25	32	usa	usa	PROPN
abrj-471	25	33	phung	phung	PROPN
abrj-471	25	34	thai	thai	PROPN
abrj-471	25	35	minh	minh	PROPN
abrj-471	25	36	trang	trang	PROPN
abrj-471	25	37	(	(	PUNCT
abrj-471	25	38	2023	2023	NUM
abrj-471	25	39	)	)	PUNCT
abrj-471	25	40	surveyed	survey	VERB
abrj-471	25	41	1.180	1.180	NUM
abrj-471	25	42	vietnamese	vietnamese	ADJ
abrj-471	25	43	university	university	NOUN
abrj-471	25	44	students	student	NOUN
abrj-471	25	45	and	and	CCONJ
abrj-471	25	46	found	find	VERB
abrj-471	25	47	that	that	SCONJ
abrj-471	25	48	digital	digital	ADJ
abrj-471	25	49	financial	financial	ADJ
abrj-471	25	50	literacy	literacy	NOUN
abrj-471	25	51	directly	directly	ADV
abrj-471	25	52	and	and	CCONJ
abrj-471	25	53	indirectly	indirectly	ADV
abrj-471	25	54	influences	influence	VERB
abrj-471	25	55	fintech	fintech	NOUN
abrj-471	25	56	adoption	adoption	NOUN
abrj-471	25	57	intentions	intention	NOUN
abrj-471	25	58	,	,	PUNCT
abrj-471	25	59	mediated	mediate	VERB
abrj-471	25	60	by	by	ADP
abrj-471	25	61	fintech	fintech	NOUN
abrj-471	25	62	attitudes	attitude	NOUN
abrj-471	25	63	and	and	CCONJ
abrj-471	25	64	perceived	perceive	VERB
abrj-471	25	65	behavioral	behavioral	ADJ
abrj-471	25	66	control	control	NOUN
abrj-471	25	67	.	.	PUNCT
abrj-471	26	1	trinh	trinh	PROPN
abrj-471	26	2	thi	thi	VERB
abrj-471	26	3	phan	phan	PROPN
abrj-471	26	4	lan	lan	PROPN
abrj-471	26	5	&	&	CCONJ
abrj-471	26	6	pham	pham	PROPN
abrj-471	26	7	thi	thi	PROPN
abrj-471	26	8	hue	hue	PROPN
abrj-471	26	9	(	(	PUNCT
abrj-471	26	10	2023	2023	NUM
abrj-471	26	11	)	)	PUNCT
abrj-471	26	12	asserted	assert	VERB
abrj-471	26	13	that	that	SCONJ
abrj-471	26	14	risk	risk	NOUN
abrj-471	26	15	and	and	CCONJ
abrj-471	26	16	benefit	benefit	NOUN
abrj-471	26	17	perceptions	perception	NOUN
abrj-471	26	18	are	be	AUX
abrj-471	26	19	critical	critical	ADJ
abrj-471	26	20	determinants	determinant	NOUN
abrj-471	26	21	of	of	ADP
abrj-471	26	22	fintech	fintech	NOUN
abrj-471	26	23	usage	usage	NOUN
abrj-471	26	24	among	among	ADP
abrj-471	26	25	hanoi	hanoi	PROPN
abrj-471	26	26	youth	youth	NOUN
abrj-471	26	27	.	.	PUNCT
abrj-471	27	1	3	3	X
abrj-471	27	2	.	.	X
abrj-471	27	3	theoretical	theoretical	ADJ
abrj-471	27	4	foundations	foundation	NOUN
abrj-471	27	5	the	the	DET
abrj-471	27	6	organization	organization	NOUN
abrj-471	27	7	for	for	ADP
abrj-471	27	8	economic	economic	ADJ
abrj-471	27	9	cooperation	cooperation	NOUN
abrj-471	27	10	and	and	CCONJ
abrj-471	27	11	development	development	NOUN
abrj-471	27	12	(	(	PUNCT
abrj-471	27	13	oecd	oecd	PROPN
abrj-471	27	14	)	)	PUNCT
abrj-471	27	15	,	,	PUNCT
abrj-471	27	16	based	base	VERB
abrj-471	27	17	on	on	ADP
abrj-471	27	18	the	the	DET
abrj-471	27	19	definition	definition	NOUN
abrj-471	27	20	of	of	ADP
abrj-471	27	21	"	"	PUNCT
abrj-471	27	22	financial	financial	ADJ
abrj-471	27	23	literacy	literacy	NOUN
abrj-471	27	24	"	"	PUNCT
abrj-471	27	25	has	have	AUX
abrj-471	27	26	incorporated	incorporate	VERB
abrj-471	27	27	questions	question	NOUN
abrj-471	27	28	about	about	ADP
abrj-471	27	29	behavior	behavior	NOUN
abrj-471	27	30	,	,	PUNCT
abrj-471	27	31	attitudes	attitude	NOUN
abrj-471	27	32	,	,	PUNCT
abrj-471	27	33	and	and	CCONJ
abrj-471	27	34	understanding	understanding	NOUN
abrj-471	27	35	to	to	PART
abrj-471	27	36	measure	measure	VERB
abrj-471	27	37	financial	financial	ADJ
abrj-471	27	38	knowledge	knowledge	NOUN
abrj-471	27	39	.	.	PUNCT
abrj-471	28	1	although	although	SCONJ
abrj-471	28	2	there	there	PRON
abrj-471	28	3	is	be	VERB
abrj-471	28	4	no	no	DET
abrj-471	28	5	universally	universally	ADV
abrj-471	28	6	accepted	accept	VERB
abrj-471	28	7	term	term	NOUN
abrj-471	28	8	worldwide	worldwide	ADV
abrj-471	28	9	,	,	PUNCT
abrj-471	28	10	the	the	DET
abrj-471	28	11	oecd	oecd	PROPN
abrj-471	28	12	has	have	AUX
abrj-471	28	13	piloted	pilot	VERB
abrj-471	28	14	this	this	DET
abrj-471	28	15	approach	approach	NOUN
abrj-471	28	16	together	together	ADV
abrj-471	28	17	with	with	ADP
abrj-471	28	18	the	the	DET
abrj-471	28	19	term	term	NOUN
abrj-471	28	20	“	"	PUNCT
abrj-471	28	21	global	global	ADJ
abrj-471	28	22	financial	financial	ADJ
abrj-471	28	23	knowledge	knowledge	NOUN
abrj-471	28	24	”	"	PUNCT
abrj-471	28	25	.	.	PUNCT
abrj-471	29	1	the	the	DET
abrj-471	29	2	oecd	oecd	PROPN
abrj-471	29	3	believes	believe	VERB
abrj-471	29	4	that	that	SCONJ
abrj-471	29	5	digital	digital	ADJ
abrj-471	29	6	financial	financial	ADJ
abrj-471	29	7	literacy	literacy	NOUN
abrj-471	29	8	is	be	AUX
abrj-471	29	9	understood	understand	VERB
abrj-471	29	10	as	as	ADP
abrj-471	29	11	a	a	DET
abrj-471	29	12	combination	combination	NOUN
abrj-471	29	13	of	of	ADP
abrj-471	29	14	basic	basic	ADJ
abrj-471	29	15	financial	financial	ADJ
abrj-471	29	16	understanding	understanding	NOUN
abrj-471	29	17	and	and	CCONJ
abrj-471	29	18	the	the	DET
abrj-471	29	19	ability	ability	NOUN
abrj-471	29	20	to	to	PART
abrj-471	29	21	use	use	VERB
abrj-471	29	22	digital	digital	ADJ
abrj-471	29	23	tools	tool	NOUN
abrj-471	29	24	to	to	PART
abrj-471	29	25	make	make	VERB
abrj-471	29	26	effective	effective	ADJ
abrj-471	29	27	financial	financial	ADJ
abrj-471	29	28	decisions	decision	NOUN
abrj-471	29	29	.	.	PUNCT
abrj-471	30	1	according	accord	VERB
abrj-471	30	2	to	to	ADP
abrj-471	30	3	hogarthe	hogarthe	PROPN
abrj-471	30	4	(	(	PUNCT
abrj-471	30	5	2002	2002	NUM
abrj-471	30	6	)	)	PUNCT
abrj-471	30	7	,	,	PUNCT
abrj-471	30	8	financial	financial	ADJ
abrj-471	30	9	literacy	literacy	NOUN
abrj-471	30	10	refers	refer	VERB
abrj-471	30	11	to	to	ADP
abrj-471	30	12	the	the	DET
abrj-471	30	13	ways	way	NOUN
abrj-471	30	14	people	people	NOUN
abrj-471	30	15	manage	manage	VERB
abrj-471	30	16	their	their	PRON
abrj-471	30	17	finances	finance	NOUN
abrj-471	30	18	in	in	ADP
abrj-471	30	19	terms	term	NOUN
abrj-471	30	20	of	of	ADP
abrj-471	30	21	personal	personal	ADJ
abrj-471	30	22	budgeting	budgeting	NOUN
abrj-471	30	23	,	,	PUNCT
abrj-471	30	24	saving	saving	NOUN
abrj-471	30	25	,	,	PUNCT
abrj-471	30	26	investment	investment	NOUN
abrj-471	30	27	,	,	PUNCT
abrj-471	30	28	and	and	CCONJ
abrj-471	30	29	financial	financial	ADJ
abrj-471	30	30	planning	planning	NOUN
abrj-471	30	31	;	;	PUNCT
abrj-471	30	32	financial	financial	ADJ
abrj-471	30	33	knowledge	knowledge	NOUN
abrj-471	30	34	or	or	CCONJ
abrj-471	30	35	financial	financial	ADJ
abrj-471	30	36	understanding	understanding	NOUN
abrj-471	30	37	is	be	AUX
abrj-471	30	38	determined	determine	VERB
abrj-471	30	39	by	by	ADP
abrj-471	30	40	personal	personal	ADJ
abrj-471	30	41	experience	experience	NOUN
abrj-471	30	42	,	,	PUNCT
abrj-471	30	43	professional	professional	ADJ
abrj-471	30	44	knowledge	knowledge	NOUN
abrj-471	30	45	,	,	PUNCT
abrj-471	30	46	and	and	CCONJ
abrj-471	30	47	individual	individual	ADJ
abrj-471	30	48	needs	need	NOUN
abrj-471	30	49	,	,	PUNCT
abrj-471	30	50	and	and	CCONJ
abrj-471	30	51	it	it	PRON
abrj-471	30	52	positively	positively	ADV
abrj-471	30	53	influences	influence	VERB
abrj-471	30	54	individual	individual	ADJ
abrj-471	30	55	participation	participation	NOUN
abrj-471	30	56	in	in	ADP
abrj-471	30	57	the	the	DET
abrj-471	30	58	financial	financial	ADJ
abrj-471	30	59	services	service	NOUN
abrj-471	30	60	market	market	NOUN
abrj-471	30	61	.	.	PUNCT
abrj-471	31	1	schngen	schngen	NOUN
abrj-471	31	2	(	(	PUNCT
abrj-471	31	3	1996	1996	NUM
abrj-471	31	4	)	)	PUNCT
abrj-471	31	5	defined	define	VERB
abrj-471	31	6	financial	financial	ADJ
abrj-471	31	7	literacy	literacy	NOUN
abrj-471	31	8	as	as	ADP
abrj-471	31	9	“	"	PUNCT
abrj-471	31	10	the	the	DET
abrj-471	31	11	ability	ability	NOUN
abrj-471	31	12	to	to	PART
abrj-471	31	13	make	make	VERB
abrj-471	31	14	informed	informed	ADJ
abrj-471	31	15	judgments	judgment	NOUN
abrj-471	31	16	and	and	CCONJ
abrj-471	31	17	effective	effective	ADJ
abrj-471	31	18	decisions	decision	NOUN
abrj-471	31	19	regarding	regard	VERB
abrj-471	31	20	the	the	DET
abrj-471	31	21	use	use	NOUN
abrj-471	31	22	and	and	CCONJ
abrj-471	31	23	management	management	NOUN
abrj-471	31	24	of	of	ADP
abrj-471	31	25	money	money	NOUN
abrj-471	31	26	.	.	PUNCT
abrj-471	31	27	”	"	PUNCT
abrj-471	32	1	meanwhile	meanwhile	ADV
abrj-471	32	2	,	,	PUNCT
abrj-471	32	3	roy	roy	PROPN
abrj-471	32	4	morgan	morgan	PROPN
abrj-471	32	5	research	research	PROPN
abrj-471	32	6	(	(	PUNCT
abrj-471	32	7	1993	1993	NUM
abrj-471	32	8	)	)	PUNCT
abrj-471	32	9	explained	explain	VERB
abrj-471	32	10	the	the	DET
abrj-471	32	11	term	term	NOUN
abrj-471	32	12	as	as	SCONJ
abrj-471	32	13	follows	follow	VERB
abrj-471	32	14	:	:	PUNCT
abrj-471	32	15	“	"	PUNCT
abrj-471	32	16	having	have	VERB
abrj-471	32	17	knowledge	knowledge	NOUN
abrj-471	32	18	and	and	CCONJ
abrj-471	32	19	confidence	confidence	NOUN
abrj-471	32	20	in	in	ADP
abrj-471	32	21	saving	saving	NOUN
abrj-471	32	22	,	,	PUNCT
abrj-471	32	23	spending	spending	NOUN
abrj-471	32	24	,	,	PUNCT
abrj-471	32	25	financial	financial	ADJ
abrj-471	32	26	planning	planning	NOUN
abrj-471	32	27	,	,	PUNCT
abrj-471	32	28	and	and	CCONJ
abrj-471	32	29	the	the	DET
abrj-471	32	30	measurement	measurement	NOUN
abrj-471	32	31	of	of	ADP
abrj-471	32	32	financial	financial	ADJ
abrj-471	32	33	literacy	literacy	NOUN
abrj-471	32	34	must	must	AUX
abrj-471	32	35	reflect	reflect	VERB
abrj-471	32	36	the	the	DET
abrj-471	32	37	financial	financial	ADJ
abrj-471	32	38	situation	situation	NOUN
abrj-471	32	39	of	of	ADP
abrj-471	32	40	the	the	DET
abrj-471	32	41	individual	individual	NOUN
abrj-471	32	42	.	.	PUNCT
abrj-471	33	1	financial	financial	ADJ
abrj-471	33	2	literacy	literacy	NOUN
abrj-471	33	3	should	should	AUX
abrj-471	33	4	only	only	ADV
abrj-471	33	5	be	be	AUX
abrj-471	33	6	considered	consider	VERB
abrj-471	33	7	when	when	SCONJ
abrj-471	33	8	examined	examine	VERB
abrj-471	33	9	in	in	ADP
abrj-471	33	10	relation	relation	NOUN
abrj-471	33	11	to	to	ADP
abrj-471	33	12	each	each	DET
abrj-471	33	13	person	person	NOUN
abrj-471	33	14	’s	’s	PART
abrj-471	33	15	specific	specific	ADJ
abrj-471	33	16	needs	need	NOUN
abrj-471	33	17	and	and	CCONJ
abrj-471	33	18	financial	financial	ADJ
abrj-471	33	19	situation	situation	NOUN
abrj-471	33	20	rather	rather	ADV
abrj-471	33	21	than	than	ADP
abrj-471	33	22	in	in	ADP
abrj-471	33	23	regard	regard	NOUN
abrj-471	33	24	to	to	ADP
abrj-471	33	25	all	all	DET
abrj-471	33	26	financial	financial	ADJ
abrj-471	33	27	tools	tool	NOUN
abrj-471	33	28	or	or	CCONJ
abrj-471	33	29	services	service	NOUN
abrj-471	33	30	,	,	PUNCT
abrj-471	33	31	as	as	ADP
abrj-471	33	32	among	among	ADP
abrj-471	33	33	them	they	PRON
abrj-471	33	34	,	,	PUNCT
abrj-471	33	35	there	there	PRON
abrj-471	33	36	are	be	VERB
abrj-471	33	37	ones	one	NOUN
abrj-471	33	38	that	that	PRON
abrj-471	33	39	some	some	DET
abrj-471	33	40	individuals	individual	NOUN
abrj-471	33	41	may	may	AUX
abrj-471	33	42	not	not	PART
abrj-471	33	43	need	need	VERB
abrj-471	33	44	and	and	CCONJ
abrj-471	33	45	do	do	AUX
abrj-471	33	46	not	not	PART
abrj-471	33	47	demand	demand	VERB
abrj-471	33	48	”	"	PUNCT
abrj-471	33	49	.	.	PUNCT
abrj-471	34	1	remund	remund	NOUN
abrj-471	34	2	(	(	PUNCT
abrj-471	34	3	2010	2010	NUM
abrj-471	34	4	)	)	PUNCT
abrj-471	34	5	stated	state	VERB
abrj-471	34	6	that	that	SCONJ
abrj-471	34	7	“	"	PUNCT
abrj-471	34	8	financial	financial	ADJ
abrj-471	34	9	literacy	literacy	NOUN
abrj-471	34	10	is	be	AUX
abrj-471	34	11	a	a	DET
abrj-471	34	12	measure	measure	NOUN
abrj-471	34	13	of	of	ADP
abrj-471	34	14	the	the	DET
abrj-471	34	15	degree	degree	NOUN
abrj-471	34	16	to	to	PART
abrj-471	34	17	which	which	PRON
abrj-471	34	18	one	one	PRON
abrj-471	34	19	understands	understand	VERB
abrj-471	34	20	fundamental	fundamental	ADJ
abrj-471	34	21	financial	financial	ADJ
abrj-471	34	22	concepts	concept	NOUN
abrj-471	34	23	and	and	CCONJ
abrj-471	34	24	has	have	VERB
abrj-471	34	25	the	the	DET
abrj-471	34	26	ability	ability	NOUN
abrj-471	34	27	and	and	CCONJ
abrj-471	34	28	confidence	confidence	NOUN
abrj-471	34	29	to	to	PART
abrj-471	34	30	manage	manage	VERB
abrj-471	34	31	personal	personal	ADJ
abrj-471	34	32	finances	finance	NOUN
abrj-471	34	33	through	through	ADP
abrj-471	34	34	informed	informed	ADJ
abrj-471	34	35	short	short	ADJ
abrj-471	34	36	-	-	PUNCT
abrj-471	34	37	term	term	NOUN
abrj-471	34	38	decisions	decision	NOUN
abrj-471	34	39	,	,	PUNCT
abrj-471	34	40	long	long	ADJ
abrj-471	34	41	-	-	PUNCT
abrj-471	34	42	term	term	NOUN
abrj-471	34	43	financial	financial	ADJ
abrj-471	34	44	planning	planning	NOUN
abrj-471	34	45	,	,	PUNCT
abrj-471	34	46	while	while	SCONJ
abrj-471	34	47	also	also	ADV
abrj-471	34	48	living	live	VERB
abrj-471	34	49	responsibly	responsibly	ADV
abrj-471	34	50	and	and	CCONJ
abrj-471	34	51	being	be	AUX
abrj-471	34	52	concerned	concerned	ADJ
abrj-471	34	53	about	about	ADP
abrj-471	34	54	life	life	NOUN
abrj-471	34	55	and	and	CCONJ
abrj-471	34	56	changes	change	NOUN
abrj-471	34	57	in	in	ADP
abrj-471	34	58	economic	economic	ADJ
abrj-471	34	59	conditions	condition	NOUN
abrj-471	34	60	”	"	PUNCT
abrj-471	34	61	.	.	PUNCT
abrj-471	35	1	for	for	ADP
abrj-471	35	2	the	the	DET
abrj-471	35	3	purpose	purpose	NOUN
abrj-471	35	4	of	of	ADP
abrj-471	35	5	assessment	assessment	NOUN
abrj-471	35	6	,	,	PUNCT
abrj-471	35	7	“	"	PUNCT
abrj-471	35	8	financial	financial	ADJ
abrj-471	35	9	knowledge	knowledge	NOUN
abrj-471	35	10	”	"	PUNCT
abrj-471	35	11	is	be	AUX
abrj-471	35	12	defined	define	VERB
abrj-471	35	13	as	as	ADP
abrj-471	35	14	“	"	PUNCT
abrj-471	35	15	a	a	DET
abrj-471	35	16	combination	combination	NOUN
abrj-471	35	17	of	of	ADP
abrj-471	35	18	awareness	awareness	NOUN
abrj-471	35	19	,	,	PUNCT
abrj-471	35	20	understanding	understanding	NOUN
abrj-471	35	21	,	,	PUNCT
abrj-471	35	22	skills	skill	NOUN
abrj-471	35	23	,	,	PUNCT
abrj-471	35	24	attitude	attitude	NOUN
abrj-471	35	25	,	,	PUNCT
abrj-471	35	26	and	and	CCONJ
abrj-471	35	27	behavior	behavior	NOUN
abrj-471	35	28	necessary	necessary	ADJ
abrj-471	35	29	to	to	PART
abrj-471	35	30	make	make	VERB
abrj-471	35	31	sound	sound	ADJ
abrj-471	35	32	financial	financial	ADJ
abrj-471	35	33	decisions	decision	NOUN
abrj-471	35	34	and	and	CCONJ
abrj-471	35	35	ultimately	ultimately	ADV
abrj-471	35	36	achieve	achieve	VERB
abrj-471	35	37	personal	personal	ADJ
abrj-471	35	38	financial	financial	ADJ
abrj-471	35	39	well	well	ADV
abrj-471	35	40	-	-	PUNCT
abrj-471	35	41	being	being	NOUN
abrj-471	35	42	”	"	PUNCT
abrj-471	35	43	(	(	PUNCT
abrj-471	35	44	mahdzan	mahdzan	ADJ
abrj-471	35	45	and	and	CCONJ
abrj-471	35	46	tabiani	tabiani	PROPN
abrj-471	35	47	,	,	PUNCT
abrj-471	35	48	2013	2013	NUM
abrj-471	35	49	)	)	PUNCT
abrj-471	35	50	.	.	PUNCT
abrj-471	36	1	this	this	DET
abrj-471	36	2	definition	definition	NOUN
abrj-471	36	3	asserts	assert	VERB
abrj-471	36	4	that	that	SCONJ
abrj-471	36	5	financial	financial	ADJ
abrj-471	36	6	literacy	literacy	NOUN
abrj-471	36	7	is	be	AUX
abrj-471	36	8	not	not	PART
abrj-471	36	9	only	only	ADV
abrj-471	36	10	knowledge	knowledge	NOUN
abrj-471	36	11	per	per	ADP
abrj-471	36	12	se	se	X
abrj-471	36	13	but	but	CCONJ
abrj-471	36	14	also	also	ADV
abrj-471	36	15	includes	include	VERB
abrj-471	36	16	attitudes	attitude	NOUN
abrj-471	36	17	,	,	PUNCT
abrj-471	36	18	behaviors	behavior	NOUN
abrj-471	36	19	,	,	PUNCT
abrj-471	36	20	and	and	CCONJ
abrj-471	36	21	other	other	ADJ
abrj-471	36	22	related	related	ADJ
abrj-471	36	23	skills	skill	NOUN
abrj-471	36	24	.	.	PUNCT
abrj-471	37	1	it	it	PRON
abrj-471	37	2	emphasizes	emphasize	VERB
abrj-471	37	3	the	the	DET
abrj-471	37	4	importance	importance	NOUN
abrj-471	37	5	of	of	ADP
abrj-471	37	6	decision	decision	NOUN
abrj-471	37	7	-	-	PUNCT
abrj-471	37	8	making	make	VERB
abrj-471	37	9	the	the	DET
abrj-471	37	10	application	application	NOUN
abrj-471	37	11	of	of	ADP
abrj-471	37	12	knowledge	knowledge	NOUN
abrj-471	37	13	and	and	CCONJ
abrj-471	37	14	skills	skill	NOUN
abrj-471	37	15	in	in	ADP
abrj-471	37	16	practical	practical	ADJ
abrj-471	37	17	processes	process	NOUN
abrj-471	37	18	and	and	CCONJ
abrj-471	37	19	shows	show	VERB
abrj-471	37	20	that	that	SCONJ
abrj-471	37	21	the	the	DET
abrj-471	37	22	desired	desire	VERB
abrj-471	37	23	impact	impact	NOUN
abrj-471	37	24	should	should	AUX
abrj-471	37	25	be	be	AUX
abrj-471	37	26	financial	financial	ADJ
abrj-471	37	27	improvement	improvement	NOUN
abrj-471	37	28	at	at	ADP
abrj-471	37	29	the	the	DET
abrj-471	37	30	national	national	ADJ
abrj-471	37	31	level	level	NOUN
abrj-471	37	32	.	.	PUNCT
abrj-471	38	1	digital	digital	ADJ
abrj-471	38	2	financial	financial	ADJ
abrj-471	38	3	literacy	literacy	NOUN
abrj-471	38	4	is	be	AUX
abrj-471	38	5	defined	define	VERB
abrj-471	38	6	as	as	ADP
abrj-471	38	7	the	the	DET
abrj-471	38	8	understanding	understanding	NOUN
abrj-471	38	9	and	and	CCONJ
abrj-471	38	10	ability	ability	NOUN
abrj-471	38	11	to	to	PART
abrj-471	38	12	apply	apply	VERB
abrj-471	38	13	digital	digital	ADJ
abrj-471	38	14	tools	tool	NOUN
abrj-471	38	15	,	,	PUNCT
abrj-471	38	16	platforms	platform	NOUN
abrj-471	38	17	,	,	PUNCT
abrj-471	38	18	and	and	CCONJ
abrj-471	38	19	financial	financial	ADJ
abrj-471	38	20	services	service	NOUN
abrj-471	38	21	into	into	ADP
abrj-471	38	22	real	real	ADJ
abrj-471	38	23	-	-	PUNCT
abrj-471	38	24	life	life	NOUN
abrj-471	38	25	practice	practice	NOUN
abrj-471	38	26	.	.	PUNCT
abrj-471	39	1	financial	financial	ADJ
abrj-471	39	2	literacy	literacy	NOUN
abrj-471	39	3	is	be	AUX
abrj-471	39	4	reflected	reflect	VERB
abrj-471	39	5	through	through	ADP
abrj-471	39	6	:	:	PUNCT
abrj-471	39	7	•	•	NUM
abrj-471	39	8	financial	financial	ADJ
abrj-471	39	9	knowledge	knowledge	NOUN
abrj-471	39	10	:	:	PUNCT
abrj-471	39	11	understanding	understand	VERB
abrj-471	39	12	basic	basic	ADJ
abrj-471	39	13	financial	financial	ADJ
abrj-471	39	14	concepts	concept	NOUN
abrj-471	39	15	,	,	PUNCT
abrj-471	39	16	recognizing	recognize	VERB
abrj-471	39	17	financial	financial	ADJ
abrj-471	39	18	products	product	NOUN
abrj-471	39	19	&	&	CCONJ
abrj-471	39	20	services	service	NOUN
abrj-471	39	21	,	,	PUNCT
abrj-471	39	22	basic	basic	ADJ
abrj-471	39	23	financial	financial	ADJ
abrj-471	39	24	skills	skill	NOUN
abrj-471	39	25	(	(	PUNCT
abrj-471	39	26	making	make	VERB
abrj-471	39	27	payments	payment	NOUN
abrj-471	39	28	,	,	PUNCT
abrj-471	39	29	opening	opening	NOUN
abrj-471	39	30	accounts	account	NOUN
abrj-471	39	31	)	)	PUNCT
abrj-471	39	32	.	.	PUNCT
abrj-471	40	1	•	•	NUM
abrj-471	40	2	financial	financial	ADJ
abrj-471	40	3	behavior	behavior	NOUN
abrj-471	40	4	:	:	PUNCT
abrj-471	40	5	daily	daily	ADJ
abrj-471	40	6	money	money	NOUN
abrj-471	40	7	management	management	NOUN
abrj-471	40	8	,	,	PUNCT
abrj-471	40	9	financial	financial	ADJ
abrj-471	40	10	planning	planning	NOUN
abrj-471	40	11	,	,	PUNCT
abrj-471	40	12	seeking	seek	VERB
abrj-471	40	13	financial	financial	ADJ
abrj-471	40	14	advisory	advisory	ADJ
abrj-471	40	15	services	service	NOUN
abrj-471	40	16	...	...	PUNCT
abrj-471	40	17	•	•	NUM
abrj-471	40	18	financial	financial	ADJ
abrj-471	40	19	skills	skill	NOUN
abrj-471	40	20	:	:	PUNCT
abrj-471	40	21	literacy	literacy	NOUN
abrj-471	40	22	,	,	PUNCT
abrj-471	40	23	numeracy	numeracy	NOUN
abrj-471	40	24	.	.	PUNCT
abrj-471	41	1	•	•	NUM
abrj-471	41	2	attitudes	attitude	NOUN
abrj-471	41	3	influencing	influence	VERB
abrj-471	41	4	financial	financial	ADJ
abrj-471	41	5	decisions	decision	NOUN
abrj-471	41	6	:	:	PUNCT
abrj-471	41	7	saving	saving	NOUN
abrj-471	41	8	,	,	PUNCT
abrj-471	41	9	lending	lending	NOUN
abrj-471	41	10	,	,	PUNCT
abrj-471	41	11	confidence	confidence	NOUN
abrj-471	41	12	in	in	ADP
abrj-471	41	13	retirement	retirement	NOUN
abrj-471	41	14	planning	planning	NOUN
abrj-471	41	15	.	.	PUNCT
abrj-471	42	1	in	in	ADP
abrj-471	42	2	vietnam	vietnam	PROPN
abrj-471	42	3	,	,	PUNCT
abrj-471	42	4	although	although	SCONJ
abrj-471	42	5	fintech	fintech	NOUN
abrj-471	42	6	is	be	AUX
abrj-471	42	7	rapidly	rapidly	ADV
abrj-471	42	8	developing	develop	VERB
abrj-471	42	9	,	,	PUNCT
abrj-471	42	10	general	general	ADJ
abrj-471	42	11	financial	financial	ADJ
abrj-471	42	12	literacy	literacy	NOUN
abrj-471	42	13	especially	especially	ADV
abrj-471	42	14	digital	digital	ADJ
abrj-471	42	15	finance	finance	NOUN
abrj-471	42	16	remains	remain	VERB
abrj-471	42	17	limited	limited	ADJ
abrj-471	42	18	.	.	PUNCT
abrj-471	43	1	a	a	DET
abrj-471	43	2	report	report	NOUN
abrj-471	43	3	by	by	ADP
abrj-471	43	4	standard	standard	PROPN
abrj-471	43	5	&	&	CCONJ
abrj-471	43	6	poor	poor	PROPN
abrj-471	43	7	’s	’s	PART
abrj-471	43	8	showed	show	VERB
abrj-471	43	9	that	that	SCONJ
abrj-471	43	10	vietnam	vietnam	PROPN
abrj-471	43	11	only	only	ADV
abrj-471	43	12	scored	score	VERB
abrj-471	43	13	24	24	NUM
abrj-471	43	14	in	in	ADP
abrj-471	43	15	financial	financial	ADJ
abrj-471	43	16	literacy	literacy	NOUN
abrj-471	43	17	,	,	PUNCT
abrj-471	43	18	ranking	rank	VERB
abrj-471	43	19	118	118	NUM
abrj-471	43	20	out	out	ADP
abrj-471	43	21	of	of	ADP
abrj-471	43	22	144	144	NUM
abrj-471	43	23	countries	country	NOUN
abrj-471	43	24	.	.	PUNCT
abrj-471	44	1	this	this	DET
abrj-471	44	2	reality	reality	NOUN
abrj-471	44	3	shows	show	VERB
abrj-471	44	4	that	that	SCONJ
abrj-471	44	5	most	most	ADJ
abrj-471	44	6	people	people	NOUN
abrj-471	44	7	,	,	PUNCT
abrj-471	44	8	including	include	VERB
abrj-471	44	9	students	student	NOUN
abrj-471	44	10	,	,	PUNCT
abrj-471	44	11	are	be	AUX
abrj-471	44	12	not	not	PART
abrj-471	44	13	adequately	adequately	ADV
abrj-471	44	14	equipped	equip	VERB
abrj-471	44	15	with	with	ADP
abrj-471	44	16	the	the	DET
abrj-471	44	17	knowledge	knowledge	NOUN
abrj-471	44	18	to	to	PART
abrj-471	44	19	use	use	VERB
abrj-471	44	20	financial	financial	ADJ
abrj-471	44	21	technology	technology	NOUN
abrj-471	44	22	services	service	NOUN
abrj-471	44	23	effectively	effectively	ADV
abrj-471	44	24	and	and	CCONJ
abrj-471	44	25	safely	safely	ADV
abrj-471	44	26	.	.	PUNCT
abrj-471	45	1	in	in	ADP
abrj-471	45	2	reality	reality	NOUN
abrj-471	45	3	,	,	PUNCT
abrj-471	45	4	students	student	NOUN
abrj-471	45	5	are	be	AUX
abrj-471	45	6	the	the	DET
abrj-471	45	7	group	group	NOUN
abrj-471	45	8	that	that	PRON
abrj-471	45	9	frequently	frequently	ADV
abrj-471	45	10	uses	use	VERB
abrj-471	45	11	platforms	platform	NOUN
abrj-471	45	12	such	such	ADJ
abrj-471	45	13	as	as	ADP
abrj-471	45	14	e	e	NOUN
abrj-471	45	15	-	-	NOUN
abrj-471	45	16	wallets	wallet	NOUN
abrj-471	45	17	,	,	PUNCT
abrj-471	45	18	digital	digital	ADJ
abrj-471	45	19	banking	banking	NOUN
abrj-471	45	20	or	or	CCONJ
abrj-471	45	21	personal	personal	ADJ
abrj-471	45	22	finance	finance	NOUN
abrj-471	45	23	management	management	NOUN
abrj-471	45	24	tools	tool	NOUN
abrj-471	45	25	.	.	PUNCT
abrj-471	46	1	however	however	ADV
abrj-471	46	2	,	,	PUNCT
abrj-471	46	3	this	this	DET
abrj-471	46	4	usage	usage	NOUN
abrj-471	46	5	is	be	AUX
abrj-471	46	6	mostly	mostly	ADV
abrj-471	46	7	experiential	experiential	ADJ
abrj-471	46	8	or	or	CCONJ
abrj-471	46	9	trend	trend	NOUN
abrj-471	46	10	-	-	PUNCT
abrj-471	46	11	based	base	VERB
abrj-471	46	12	,	,	PUNCT
abrj-471	46	13	rather	rather	ADV
abrj-471	46	14	than	than	ADP
abrj-471	46	15	based	base	VERB
abrj-471	46	16	on	on	ADP
abrj-471	46	17	a	a	DET
abrj-471	46	18	clear	clear	ADJ
abrj-471	46	19	understanding	understanding	NOUN
abrj-471	46	20	of	of	ADP
abrj-471	46	21	the	the	DET
abrj-471	46	22	operation	operation	NOUN
abrj-471	46	23	,	,	PUNCT
abrj-471	46	24	benefits	benefit	NOUN
abrj-471	46	25	,	,	PUNCT
abrj-471	46	26	and	and	CCONJ
abrj-471	46	27	risks	risk	NOUN
abrj-471	46	28	of	of	ADP
abrj-471	46	29	such	such	ADJ
abrj-471	46	30	services	service	NOUN
abrj-471	46	31	.	.	PUNCT
abrj-471	47	1	this	this	PRON
abrj-471	47	2	entails	entail	VERB
abrj-471	47	3	many	many	ADJ
abrj-471	47	4	potential	potential	ADJ
abrj-471	47	5	dangers	danger	NOUN
abrj-471	47	6	in	in	ADP
abrj-471	47	7	making	make	VERB
abrj-471	47	8	poor	poor	ADJ
abrj-471	47	9	financial	financial	ADJ
abrj-471	47	10	decisions	decision	NOUN
abrj-471	47	11	,	,	PUNCT
abrj-471	47	12	losing	lose	VERB
abrj-471	47	13	spending	spending	NOUN
abrj-471	47	14	control	control	NOUN
abrj-471	47	15	,	,	PUNCT
abrj-471	47	16	or	or	CCONJ
abrj-471	47	17	falling	fall	VERB
abrj-471	47	18	victim	victim	NOUN
abrj-471	47	19	to	to	ADP
abrj-471	47	20	digital	digital	ADJ
abrj-471	47	21	fraud	fraud	NOUN
abrj-471	47	22	.	.	PUNCT
abrj-471	48	1	based	base	VERB
abrj-471	48	2	on	on	ADP
abrj-471	48	3	the	the	DET
abrj-471	48	4	above	above	ADJ
abrj-471	48	5	situation	situation	NOUN
abrj-471	48	6	,	,	PUNCT
abrj-471	48	7	a	a	DET
abrj-471	48	8	survey	survey	NOUN
abrj-471	48	9	was	be	AUX
abrj-471	48	10	conducted	conduct	VERB
abrj-471	48	11	among	among	ADP
abrj-471	48	12	students	student	NOUN
abrj-471	48	13	in	in	ADP
abrj-471	48	14	hanoi	hanoi	PROPN
abrj-471	48	15	to	to	PART
abrj-471	48	16	assess	assess	VERB
abrj-471	48	17	the	the	DET
abrj-471	48	18	relationship	relationship	NOUN
abrj-471	48	19	between	between	ADP
abrj-471	48	20	digital	digital	ADJ
abrj-471	48	21	financial	financial	ADJ
abrj-471	48	22	literacy	literacy	NOUN
abrj-471	48	23	and	and	CCONJ
abrj-471	48	24	the	the	DET
abrj-471	48	25	use	use	NOUN
abrj-471	48	26	of	of	ADP
abrj-471	48	27	fintech	fintech	NOUN
abrj-471	48	28	.	.	PUNCT
abrj-471	49	1	the	the	DET
abrj-471	49	2	survey	survey	NOUN
abrj-471	49	3	results	result	NOUN
abrj-471	49	4	are	be	AUX
abrj-471	49	5	expected	expect	VERB
abrj-471	49	6	to	to	PART
abrj-471	49	7	provide	provide	VERB
abrj-471	49	8	a	a	DET
abrj-471	49	9	more	more	ADV
abrj-471	49	10	comprehensive	comprehensive	ADJ
abrj-471	49	11	view	view	NOUN
abrj-471	49	12	of	of	ADP
abrj-471	49	13	the	the	DET
abrj-471	49	14	role	role	NOUN
abrj-471	49	15	of	of	ADP
abrj-471	49	16	financial	financial	ADJ
abrj-471	49	17	education	education	NOUN
abrj-471	49	18	in	in	ADP
abrj-471	49	19	the	the	DET
abrj-471	49	20	digital	digital	ADJ
abrj-471	49	21	age	age	NOUN
abrj-471	49	22	,	,	PUNCT
abrj-471	49	23	while	while	SCONJ
abrj-471	49	24	also	also	ADV
abrj-471	49	25	suggesting	suggest	VERB
abrj-471	49	26	appropriate	appropriate	ADJ
abrj-471	49	27	directions	direction	NOUN
abrj-471	49	28	for	for	ADP
abrj-471	49	29	training	training	NOUN
abrj-471	49	30	and	and	CCONJ
abrj-471	49	31	raising	raise	VERB
abrj-471	49	32	digital	digital	ADJ
abrj-471	49	33	financial	financial	ADJ
abrj-471	49	34	literacy	literacy	NOUN
abrj-471	49	35	in	in	ADP
abrj-471	49	36	schools	school	NOUN
abrj-471	49	37	and	and	CCONJ
abrj-471	49	38	society	society	NOUN
abrj-471	49	39	.	.	PUNCT
abrj-471	50	1	4	4	X
abrj-471	50	2	.	.	X
abrj-471	50	3	model	model	NOUN
abrj-471	50	4	and	and	CCONJ
abrj-471	50	5	methods	method	NOUN
abrj-471	50	6	research	research	VERB
abrj-471	50	7	4.1	4.1	NUM
abrj-471	50	8	.	.	PUNCT
abrj-471	51	1	model	model	NOUN
abrj-471	51	2	and	and	CCONJ
abrj-471	51	3	hypotheses	hypothesis	NOUN
abrj-471	51	4	this	this	DET
abrj-471	51	5	study	study	NOUN
abrj-471	51	6	is	be	AUX
abrj-471	51	7	based	base	VERB
abrj-471	51	8	on	on	ADP
abrj-471	51	9	the	the	DET
abrj-471	51	10	theory	theory	NOUN
abrj-471	51	11	of	of	ADP
abrj-471	51	12	planned	plan	VERB
abrj-471	51	13	behavior	behavior	NOUN
abrj-471	51	14	(	(	PUNCT
abrj-471	51	15	tpb	tpb	NOUN
abrj-471	51	16	)	)	PUNCT
abrj-471	51	17	by	by	ADP
abrj-471	51	18	ajzen	ajzen	PROPN
abrj-471	51	19	(	(	PUNCT
abrj-471	51	20	1991	1991	NUM
abrj-471	51	21	)	)	PUNCT
abrj-471	51	22	and	and	CCONJ
abrj-471	51	23	the	the	DET
abrj-471	51	24	extended	extended	ADJ
abrj-471	51	25	unified	unified	ADJ
abrj-471	51	26	theory	theory	NOUN
abrj-471	51	27	of	of	ADP
abrj-471	51	28	acceptance	acceptance	NOUN
abrj-471	51	29	and	and	CCONJ
abrj-471	51	30	use	use	NOUN
abrj-471	51	31	of	of	ADP
abrj-471	51	32	technology	technology	NOUN
abrj-471	51	33	(	(	PUNCT
abrj-471	51	34	utaut2	utaut2	NOUN
abrj-471	51	35	)	)	PUNCT
abrj-471	51	36	developed	develop	VERB
abrj-471	51	37	by	by	ADP
abrj-471	51	38	venkatesh	venkatesh	PROPN
abrj-471	51	39	et	et	PROPN
abrj-471	51	40	al	al	PROPN
abrj-471	51	41	(	(	PUNCT
abrj-471	51	42	2022	2022	NUM
abrj-471	51	43	)	)	PUNCT
abrj-471	51	44	.	.	PUNCT
abrj-471	52	1	these	these	DET
abrj-471	52	2	models	model	NOUN
abrj-471	52	3	have	have	AUX
abrj-471	52	4	been	be	AUX
abrj-471	52	5	widely	widely	ADV
abrj-471	52	6	applied	apply	VERB
abrj-471	52	7	in	in	ADP
abrj-471	52	8	consumer	consumer	NOUN
abrj-471	52	9	behavior	behavior	NOUN
abrj-471	52	10	research	research	NOUN
abrj-471	52	11	related	relate	VERB
abrj-471	52	12	to	to	ADP
abrj-471	52	13	new	new	ADJ
abrj-471	52	14	technologies	technology	NOUN
abrj-471	52	15	,	,	PUNCT
abrj-471	52	16	in	in	ADP
abrj-471	52	17	which	which	PRON
abrj-471	52	18	product	product	NOUN
abrj-471	52	19	understanding	understanding	NOUN
abrj-471	52	20	–	–	PUNCT
abrj-471	52	21	specifically	specifically	ADV
abrj-471	52	22	digital	digital	ADJ
abrj-471	52	23	financial	financial	ADJ
abrj-471	52	24	literacy	literacy	NOUN
abrj-471	52	25	–	–	PUNCT
abrj-471	52	26	plays	play	VERB
abrj-471	52	27	a	a	DET
abrj-471	52	28	crucial	crucial	ADJ
abrj-471	52	29	role	role	NOUN
abrj-471	52	30	in	in	ADP
abrj-471	52	31	shaping	shape	VERB
abrj-471	52	32	intention	intention	NOUN
abrj-471	52	33	and	and	CCONJ
abrj-471	52	34	behavior	behavior	NOUN
abrj-471	52	35	in	in	ADP
abrj-471	52	36	using	use	VERB
abrj-471	52	37	financial	financial	ADJ
abrj-471	52	38	technologies	technology	NOUN
abrj-471	52	39	.	.	PUNCT
abrj-471	53	1	digital	digital	ADJ
abrj-471	53	2	financial	financial	ADJ
abrj-471	53	3	literacy	literacy	NOUN
abrj-471	53	4	is	be	AUX
abrj-471	53	5	the	the	DET
abrj-471	53	6	understanding	understanding	NOUN
abrj-471	53	7	of	of	ADP
abrj-471	53	8	digital	digital	ADJ
abrj-471	53	9	financial	financial	ADJ
abrj-471	53	10	products	product	NOUN
abrj-471	53	11	and	and	CCONJ
abrj-471	53	12	services	service	NOUN
abrj-471	53	13	and	and	CCONJ
abrj-471	53	14	the	the	DET
abrj-471	53	15	perception	perception	NOUN
abrj-471	53	16	of	of	ADP
abrj-471	53	17	risks	risk	NOUN
abrj-471	53	18	associated	associate	VERB
abrj-471	53	19	with	with	ADP
abrj-471	53	20	their	their	PRON
abrj-471	53	21	use	use	NOUN
abrj-471	53	22	(	(	PUNCT
abrj-471	53	23	morgan	morgan	PROPN
abrj-471	53	24	&	&	CCONJ
abrj-471	53	25	trinh	trinh	PROPN
abrj-471	53	26	,	,	PUNCT
abrj-471	53	27	2019	2019	NUM
abrj-471	53	28	)	)	PUNCT
abrj-471	53	29	.	.	PUNCT
abrj-471	54	1	this	this	DET
abrj-471	54	2	knowledge	knowledge	NOUN
abrj-471	54	3	originates	originate	VERB
abrj-471	54	4	from	from	ADP
abrj-471	54	5	goal	goal	NOUN
abrj-471	54	6	-	-	PUNCT
abrj-471	54	7	framing	frame	VERB
abrj-471	54	8	theory	theory	NOUN
abrj-471	54	9	(	(	PUNCT
abrj-471	54	10	lindenberg	lindenberg	PROPN
abrj-471	54	11	&	&	CCONJ
abrj-471	54	12	steg	steg	PROPN
abrj-471	54	13	,	,	PUNCT
abrj-471	54	14	2007	2007	NUM
abrj-471	54	15	)	)	PUNCT
abrj-471	54	16	.	.	PUNCT
abrj-471	55	1	according	accord	VERB
abrj-471	55	2	to	to	ADP
abrj-471	55	3	this	this	DET
abrj-471	55	4	theory	theory	NOUN
abrj-471	55	5	,	,	PUNCT
abrj-471	55	6	goal	goal	NOUN
abrj-471	55	7	framing	frame	VERB
abrj-471	55	8	refers	refer	VERB
abrj-471	55	9	to	to	ADP
abrj-471	55	10	the	the	DET
abrj-471	55	11	way	way	NOUN
abrj-471	55	12	individuals	individual	NOUN
abrj-471	55	13	process	process	VERB
abrj-471	55	14	information	information	NOUN
abrj-471	55	15	and	and	CCONJ
abrj-471	55	16	act	act	NOUN
abrj-471	55	17	based	base	VERB
abrj-471	55	18	on	on	ADP
abrj-471	55	19	their	their	PRON
abrj-471	55	20	goals	goal	NOUN
abrj-471	55	21	.	.	PUNCT
abrj-471	56	1	in	in	ADP
abrj-471	56	2	relation	relation	NOUN
abrj-471	56	3	to	to	ADP
abrj-471	56	4	the	the	DET
abrj-471	56	5	decision	decision	NOUN
abrj-471	56	6	to	to	PART
abrj-471	56	7	use	use	VERB
abrj-471	56	8	fintech	fintech	NOUN
abrj-471	56	9	services	service	NOUN
abrj-471	56	10	,	,	PUNCT
abrj-471	56	11	digital	digital	ADJ
abrj-471	56	12	financial	financial	ADJ
abrj-471	56	13	literacy	literacy	NOUN
abrj-471	56	14	helps	help	VERB
abrj-471	56	15	individuals	individual	NOUN
abrj-471	56	16	identify	identify	VERB
abrj-471	56	17	their	their	PRON
abrj-471	56	18	goals	goal	NOUN
abrj-471	56	19	of	of	ADP
abrj-471	56	20	achieving	achieve	VERB
abrj-471	56	21	benefits	benefit	NOUN
abrj-471	56	22	and	and	CCONJ
abrj-471	56	23	act	act	VERB
abrj-471	56	24	rationally	rationally	ADV
abrj-471	56	25	and	and	CCONJ
abrj-471	56	26	efficiently	efficiently	ADV
abrj-471	56	27	(	(	PUNCT
abrj-471	56	28	kumar	kumar	PROPN
abrj-471	56	29	et	et	PROPN
abrj-471	56	30	al	al	PROPN
abrj-471	56	31	.	.	PROPN
abrj-471	56	32	,	,	PUNCT
abrj-471	56	33	2023	2023	NUM
abrj-471	56	34	)	)	PUNCT
abrj-471	56	35	.	.	PUNCT
abrj-471	57	1	h1	h1	PROPN
abrj-471	57	2	:	:	PUNCT
abrj-471	57	3	digital	digital	ADJ
abrj-471	57	4	financial	financial	ADJ
abrj-471	57	5	literacy	literacy	NOUN
abrj-471	57	6	influences	influence	VERB
abrj-471	57	7	students	student	NOUN
abrj-471	57	8	'	'	PART
abrj-471	57	9	intention	intention	NOUN
abrj-471	57	10	to	to	PART
abrj-471	57	11	use	use	VERB
abrj-471	57	12	fintech	fintech	NOUN
abrj-471	57	13	.	.	PUNCT
abrj-471	58	1	financial	financial	ADJ
abrj-471	58	2	attitude	attitude	NOUN
abrj-471	58	3	refers	refer	VERB
abrj-471	58	4	to	to	ADP
abrj-471	58	5	individuals	individual	NOUN
abrj-471	58	6	’	’	PART
abrj-471	58	7	emotions	emotion	NOUN
abrj-471	58	8	and	and	CCONJ
abrj-471	58	9	perspectives	perspective	NOUN
abrj-471	58	10	regarding	regard	VERB
abrj-471	58	11	financial	financial	ADJ
abrj-471	58	12	matters	matter	NOUN
abrj-471	58	13	,	,	PUNCT
abrj-471	58	14	which	which	PRON
abrj-471	58	15	directly	directly	ADV
abrj-471	58	16	affect	affect	VERB
abrj-471	58	17	their	their	PRON
abrj-471	58	18	behavior	behavior	NOUN
abrj-471	58	19	and	and	CCONJ
abrj-471	58	20	subsequent	subsequent	ADJ
abrj-471	58	21	decision	decision	NOUN
abrj-471	58	22	-	-	PUNCT
abrj-471	58	23	making	making	NOUN
abrj-471	58	24	(	(	PUNCT
abrj-471	58	25	rai	rai	X
abrj-471	58	26	et	et	PROPN
abrj-471	58	27	al	al	PROPN
abrj-471	58	28	.	.	PROPN
abrj-471	58	29	,	,	PUNCT
abrj-471	58	30	2019	2019	NUM
abrj-471	58	31	)	)	PUNCT
abrj-471	58	32	.	.	PUNCT
abrj-471	59	1	according	accord	VERB
abrj-471	59	2	to	to	ADP
abrj-471	59	3	khuc	khuc	VERB
abrj-471	59	4	the	the	DET
abrj-471	59	5	anh	anh	NOUN
abrj-471	59	6	(	(	PUNCT
abrj-471	59	7	2020	2020	NUM
abrj-471	59	8	)	)	PUNCT
abrj-471	59	9	,	,	PUNCT
abrj-471	59	10	a	a	DET
abrj-471	59	11	person	person	NOUN
abrj-471	59	12	who	who	PRON
abrj-471	59	13	values	value	VERB
abrj-471	59	14	short	short	ADJ
abrj-471	59	15	-	-	PUNCT
abrj-471	59	16	term	term	NOUN
abrj-471	59	17	financial	financial	ADJ
abrj-471	59	18	benefits	benefit	NOUN
abrj-471	59	19	more	more	ADJ
abrj-471	59	20	than	than	ADP
abrj-471	59	21	long	long	ADJ
abrj-471	59	22	-	-	PUNCT
abrj-471	59	23	term	term	NOUN
abrj-471	59	24	accumulation	accumulation	NOUN
abrj-471	59	25	tends	tend	VERB
abrj-471	59	26	to	to	PART
abrj-471	59	27	rarely	rarely	ADV
abrj-471	59	28	consider	consider	VERB
abrj-471	59	29	asian	asian	ADJ
abrj-471	59	30	business	business	NOUN
abrj-471	59	31	research	research	NOUN
abrj-471	59	32	journal	journal	NOUN
abrj-471	59	33	,	,	PUNCT
abrj-471	59	34	2025	2025	NUM
abrj-471	59	35	,	,	PUNCT
abrj-471	59	36	10(6	10(6	NUM
abrj-471	59	37	):	):	PUNCT
abrj-471	59	38	21	21	NUM
abrj-471	59	39	-	-	SYM
abrj-471	59	40	27	27	NUM
abrj-471	59	41	23	23	NUM
abrj-471	59	42	©	©	ADP
abrj-471	59	43	2025	2025	NUM
abrj-471	59	44	by	by	ADP
abrj-471	59	45	the	the	DET
abrj-471	59	46	authors	author	NOUN
abrj-471	59	47	;	;	PUNCT
abrj-471	59	48	licensee	licensee	NOUN
abrj-471	59	49	eastern	eastern	ADJ
abrj-471	59	50	centre	centre	NOUN
abrj-471	59	51	of	of	ADP
abrj-471	59	52	science	science	NOUN
abrj-471	59	53	and	and	CCONJ
abrj-471	59	54	education	education	NOUN
abrj-471	59	55	,	,	PUNCT
abrj-471	59	56	usa	usa	PROPN
abrj-471	59	57	investing	investing	PROPN
abrj-471	59	58	,	,	PUNCT
abrj-471	59	59	setting	set	VERB
abrj-471	59	60	aside	aside	ADP
abrj-471	59	61	funds	fund	NOUN
abrj-471	59	62	for	for	ADP
abrj-471	59	63	emergencies	emergency	NOUN
abrj-471	59	64	,	,	PUNCT
abrj-471	59	65	or	or	CCONJ
abrj-471	59	66	making	make	VERB
abrj-471	59	67	long	long	ADJ
abrj-471	59	68	-	-	PUNCT
abrj-471	59	69	term	term	NOUN
abrj-471	59	70	financial	financial	ADJ
abrj-471	59	71	plans	plan	NOUN
abrj-471	59	72	.	.	PUNCT
abrj-471	60	1	in	in	ADP
abrj-471	60	2	a	a	DET
abrj-471	60	3	study	study	NOUN
abrj-471	60	4	on	on	ADP
abrj-471	60	5	spending	spending	NOUN
abrj-471	60	6	habits	habit	NOUN
abrj-471	60	7	among	among	ADP
abrj-471	60	8	asian	asian	ADJ
abrj-471	60	9	students	student	NOUN
abrj-471	60	10	,	,	PUNCT
abrj-471	60	11	shahryar	shahryar	NOUN
abrj-471	60	12	and	and	CCONJ
abrj-471	60	13	tan	tan	PROPN
abrj-471	60	14	(	(	PUNCT
abrj-471	60	15	2014	2014	NUM
abrj-471	60	16	)	)	PUNCT
abrj-471	60	17	concluded	conclude	VERB
abrj-471	60	18	that	that	SCONJ
abrj-471	60	19	the	the	DET
abrj-471	60	20	influence	influence	NOUN
abrj-471	60	21	of	of	ADP
abrj-471	60	22	attitude	attitude	NOUN
abrj-471	60	23	on	on	ADP
abrj-471	60	24	financial	financial	ADJ
abrj-471	60	25	literacy	literacy	NOUN
abrj-471	60	26	is	be	AUX
abrj-471	60	27	very	very	ADV
abrj-471	60	28	clear	clear	ADJ
abrj-471	60	29	.	.	PUNCT
abrj-471	61	1	h2	h2	NOUN
abrj-471	61	2	:	:	PUNCT
abrj-471	61	3	financial	financial	ADJ
abrj-471	61	4	attitude	attitude	NOUN
abrj-471	61	5	has	have	VERB
abrj-471	61	6	an	an	DET
abrj-471	61	7	impact	impact	NOUN
abrj-471	61	8	on	on	ADP
abrj-471	61	9	students	student	NOUN
abrj-471	61	10	'	'	PART
abrj-471	61	11	intention	intention	NOUN
abrj-471	61	12	to	to	PART
abrj-471	61	13	use	use	VERB
abrj-471	61	14	fintech	fintech	NOUN
abrj-471	61	15	.	.	PUNCT
abrj-471	62	1	in	in	ADP
abrj-471	62	2	addition	addition	NOUN
abrj-471	62	3	to	to	ADP
abrj-471	62	4	the	the	DET
abrj-471	62	5	factor	factor	NOUN
abrj-471	62	6	of	of	ADP
abrj-471	62	7	financial	financial	ADJ
abrj-471	62	8	literacy	literacy	NOUN
abrj-471	62	9	,	,	PUNCT
abrj-471	62	10	recent	recent	ADJ
abrj-471	62	11	studies	study	NOUN
abrj-471	62	12	have	have	AUX
abrj-471	62	13	expanded	expand	VERB
abrj-471	62	14	models	model	NOUN
abrj-471	62	15	for	for	ADP
abrj-471	62	16	evaluating	evaluate	VERB
abrj-471	62	17	fintech	fintech	NOUN
abrj-471	62	18	usage	usage	NOUN
abrj-471	62	19	behavior	behavior	NOUN
abrj-471	62	20	by	by	ADP
abrj-471	62	21	incorporating	incorporate	VERB
abrj-471	62	22	factors	factor	NOUN
abrj-471	62	23	from	from	ADP
abrj-471	62	24	the	the	DET
abrj-471	62	25	tpb	tpb	NOUN
abrj-471	62	26	(	(	PUNCT
abrj-471	62	27	ajzen	ajzen	NOUN
abrj-471	62	28	,	,	PUNCT
abrj-471	62	29	1991	1991	NUM
abrj-471	62	30	)	)	PUNCT
abrj-471	62	31	.	.	PUNCT
abrj-471	63	1	among	among	ADP
abrj-471	63	2	these	these	PRON
abrj-471	63	3	,	,	PUNCT
abrj-471	63	4	subjective	subjective	ADJ
abrj-471	63	5	norms	norm	NOUN
abrj-471	63	6	refer	refer	VERB
abrj-471	63	7	to	to	ADP
abrj-471	63	8	individuals	individual	NOUN
abrj-471	63	9	’	’	PART
abrj-471	63	10	perceptions	perception	NOUN
abrj-471	63	11	of	of	ADP
abrj-471	63	12	social	social	ADJ
abrj-471	63	13	expectations	expectation	NOUN
abrj-471	63	14	,	,	PUNCT
abrj-471	63	15	including	include	VERB
abrj-471	63	16	influence	influence	NOUN
abrj-471	63	17	from	from	ADP
abrj-471	63	18	friends	friend	NOUN
abrj-471	63	19	,	,	PUNCT
abrj-471	63	20	family	family	NOUN
abrj-471	63	21	,	,	PUNCT
abrj-471	63	22	or	or	CCONJ
abrj-471	63	23	the	the	DET
abrj-471	63	24	community	community	NOUN
abrj-471	63	25	,	,	PUNCT
abrj-471	63	26	which	which	PRON
abrj-471	63	27	have	have	AUX
abrj-471	63	28	been	be	AUX
abrj-471	63	29	shown	show	VERB
abrj-471	63	30	to	to	PART
abrj-471	63	31	play	play	VERB
abrj-471	63	32	an	an	DET
abrj-471	63	33	important	important	ADJ
abrj-471	63	34	role	role	NOUN
abrj-471	63	35	in	in	ADP
abrj-471	63	36	shaping	shape	VERB
abrj-471	63	37	intentions	intention	NOUN
abrj-471	63	38	and	and	CCONJ
abrj-471	63	39	behaviors	behavior	NOUN
abrj-471	63	40	related	relate	VERB
abrj-471	63	41	to	to	ADP
abrj-471	63	42	fintech	fintech	NOUN
abrj-471	63	43	use	use	NOUN
abrj-471	63	44	.	.	PUNCT
abrj-471	64	1	according	accord	VERB
abrj-471	64	2	to	to	ADP
abrj-471	64	3	research	research	NOUN
abrj-471	64	4	by	by	ADP
abrj-471	64	5	lee	lee	PROPN
abrj-471	64	6	(	(	PUNCT
abrj-471	64	7	2009	2009	NUM
abrj-471	64	8	)	)	PUNCT
abrj-471	64	9	and	and	CCONJ
abrj-471	64	10	alam	alam	PROPN
abrj-471	64	11	et	et	PROPN
abrj-471	64	12	al	al	PROPN
abrj-471	64	13	.	.	PROPN
abrj-471	65	1	(	(	PUNCT
abrj-471	65	2	2019	2019	NUM
abrj-471	65	3	)	)	PUNCT
abrj-471	65	4	,	,	PUNCT
abrj-471	65	5	if	if	SCONJ
abrj-471	65	6	users	user	NOUN
abrj-471	65	7	perceive	perceive	VERB
abrj-471	65	8	that	that	SCONJ
abrj-471	65	9	using	use	VERB
abrj-471	65	10	fintech	fintech	NOUN
abrj-471	65	11	is	be	AUX
abrj-471	65	12	positively	positively	ADV
abrj-471	65	13	viewed	view	VERB
abrj-471	65	14	by	by	ADP
abrj-471	65	15	society	society	NOUN
abrj-471	65	16	,	,	PUNCT
abrj-471	65	17	they	they	PRON
abrj-471	65	18	will	will	AUX
abrj-471	65	19	be	be	AUX
abrj-471	65	20	more	more	ADV
abrj-471	65	21	inclined	inclined	ADJ
abrj-471	65	22	to	to	PART
abrj-471	65	23	accept	accept	VERB
abrj-471	65	24	and	and	CCONJ
abrj-471	65	25	use	use	VERB
abrj-471	65	26	these	these	DET
abrj-471	65	27	services	service	NOUN
abrj-471	65	28	regardless	regardless	ADV
abrj-471	65	29	of	of	ADP
abrj-471	65	30	their	their	PRON
abrj-471	65	31	current	current	ADJ
abrj-471	65	32	level	level	NOUN
abrj-471	65	33	of	of	ADP
abrj-471	65	34	financial	financial	ADJ
abrj-471	65	35	knowledge	knowledge	NOUN
abrj-471	65	36	.	.	PUNCT
abrj-471	66	1	h3	h3	NOUN
abrj-471	66	2	:	:	PUNCT
abrj-471	66	3	subjective	subjective	ADJ
abrj-471	66	4	norms	norm	NOUN
abrj-471	66	5	affect	affect	VERB
abrj-471	66	6	students	student	NOUN
abrj-471	66	7	'	'	PART
abrj-471	66	8	intention	intention	NOUN
abrj-471	66	9	to	to	PART
abrj-471	66	10	use	use	VERB
abrj-471	66	11	fintech	fintech	NOUN
abrj-471	66	12	.	.	PUNCT
abrj-471	67	1	h4	h4	NOUN
abrj-471	67	2	:	:	PUNCT
abrj-471	67	3	perceived	perceive	VERB
abrj-471	67	4	behavioral	behavioral	ADJ
abrj-471	67	5	control	control	NOUN
abrj-471	67	6	affects	affect	VERB
abrj-471	67	7	students	student	NOUN
abrj-471	67	8	'	'	PART
abrj-471	67	9	intention	intention	NOUN
abrj-471	67	10	to	to	PART
abrj-471	67	11	use	use	VERB
abrj-471	67	12	fintech	fintech	NOUN
abrj-471	67	13	.	.	PUNCT
abrj-471	68	1	figure	figure	NOUN
abrj-471	68	2	1	1	NUM
abrj-471	68	3	.	.	PUNCT
abrj-471	68	4	research	research	NOUN
abrj-471	68	5	model	model	NOUN
abrj-471	68	6	.	.	PUNCT
abrj-471	69	1	4.2	4.2	NUM
abrj-471	69	2	.	.	PUNCT
abrj-471	69	3	measurement	measurement	NOUN
abrj-471	69	4	of	of	ADP
abrj-471	69	5	variables	variable	NOUN
abrj-471	69	6	the	the	DET
abrj-471	69	7	research	research	NOUN
abrj-471	69	8	model	model	NOUN
abrj-471	69	9	consists	consist	VERB
abrj-471	69	10	of	of	ADP
abrj-471	69	11	four	four	NUM
abrj-471	69	12	variables	variable	NOUN
abrj-471	69	13	(	(	PUNCT
abrj-471	69	14	see	see	VERB
abrj-471	69	15	figure	figure	NOUN
abrj-471	69	16	1	1	NUM
abrj-471	69	17	)	)	PUNCT
abrj-471	69	18	,	,	PUNCT
abrj-471	69	19	including	include	VERB
abrj-471	69	20	one	one	NUM
abrj-471	69	21	independent	independent	ADJ
abrj-471	69	22	variable	variable	NOUN
abrj-471	69	23	and	and	CCONJ
abrj-471	69	24	three	three	NUM
abrj-471	69	25	control	control	NOUN
abrj-471	69	26	variables	variable	NOUN
abrj-471	69	27	.	.	PUNCT
abrj-471	70	1	•	•	NUM
abrj-471	70	2	independent	independent	ADJ
abrj-471	70	3	variable	variable	NOUN
abrj-471	70	4	:	:	PUNCT
abrj-471	70	5	digital	digital	ADJ
abrj-471	70	6	financial	financial	ADJ
abrj-471	70	7	literacy	literacy	NOUN
abrj-471	70	8	(	(	PUNCT
abrj-471	70	9	dfl	dfl	PROPN
abrj-471	70	10	)	)	PUNCT
abrj-471	70	11	is	be	AUX
abrj-471	70	12	measured	measure	VERB
abrj-471	70	13	through	through	ADP
abrj-471	70	14	four	four	NUM
abrj-471	70	15	questions	question	NOUN
abrj-471	70	16	adapted	adapt	VERB
abrj-471	70	17	from	from	ADP
abrj-471	70	18	prasad	prasad	PROPN
abrj-471	70	19	et	et	PROPN
abrj-471	70	20	al	al	PROPN
abrj-471	70	21	.	.	PROPN
abrj-471	71	1	(	(	PUNCT
abrj-471	71	2	2018	2018	NUM
abrj-471	71	3	)	)	PUNCT
abrj-471	71	4	,	,	PUNCT
abrj-471	71	5	morgan	morgan	PROPN
abrj-471	71	6	&	&	CCONJ
abrj-471	71	7	trinh	trinh	PROPN
abrj-471	71	8	(	(	PUNCT
abrj-471	71	9	2019	2019	NUM
abrj-471	71	10	)	)	PUNCT
abrj-471	71	11	,	,	PUNCT
abrj-471	71	12	and	and	CCONJ
abrj-471	71	13	setiawan	setiawan	PROPN
abrj-471	71	14	et	et	PROPN
abrj-471	71	15	al	al	PROPN
abrj-471	71	16	.	.	PROPN
abrj-471	72	1	(	(	PUNCT
abrj-471	72	2	2022	2022	NUM
abrj-471	72	3	)	)	PUNCT
abrj-471	72	4	.	.	PUNCT
abrj-471	73	1	•	•	NUM
abrj-471	73	2	control	control	NOUN
abrj-471	73	3	variables	variable	NOUN
abrj-471	73	4	:	:	PUNCT
abrj-471	73	5	financial	financial	ADJ
abrj-471	73	6	attitude	attitude	NOUN
abrj-471	73	7	(	(	PUNCT
abrj-471	73	8	fat	fat	NOUN
abrj-471	73	9	)	)	PUNCT
abrj-471	73	10	,	,	PUNCT
abrj-471	73	11	subjective	subjective	ADJ
abrj-471	73	12	norms	norm	NOUN
abrj-471	73	13	(	(	PUNCT
abrj-471	73	14	nor	nor	CCONJ
abrj-471	73	15	)	)	PUNCT
abrj-471	73	16	,	,	PUNCT
abrj-471	73	17	and	and	CCONJ
abrj-471	73	18	perceived	perceive	VERB
abrj-471	73	19	behavioral	behavioral	ADJ
abrj-471	73	20	control	control	NOUN
abrj-471	73	21	(	(	PUNCT
abrj-471	73	22	pbc	pbc	PROPN
abrj-471	73	23	)	)	PUNCT
abrj-471	73	24	are	be	AUX
abrj-471	73	25	derived	derive	VERB
abrj-471	73	26	from	from	ADP
abrj-471	73	27	liñán	liñán	NOUN
abrj-471	73	28	&	&	CCONJ
abrj-471	73	29	chen	chen	PROPN
abrj-471	73	30	(	(	PUNCT
abrj-471	73	31	2009	2009	NUM
abrj-471	73	32	)	)	PUNCT
abrj-471	73	33	and	and	CCONJ
abrj-471	73	34	phung	phung	PROPN
abrj-471	73	35	(	(	PUNCT
abrj-471	73	36	2023	2023	NUM
abrj-471	73	37	)	)	PUNCT
abrj-471	73	38	,	,	PUNCT
abrj-471	73	39	using	use	VERB
abrj-471	73	40	a	a	DET
abrj-471	73	41	5	5	NUM
abrj-471	73	42	-	-	PUNCT
abrj-471	73	43	point	point	NOUN
abrj-471	73	44	likert	likert	ADJ
abrj-471	73	45	scale	scale	NOUN
abrj-471	73	46	ranging	range	VERB
abrj-471	73	47	from	from	ADP
abrj-471	73	48	1	1	NUM
abrj-471	73	49	(	(	PUNCT
abrj-471	73	50	strongly	strongly	ADV
abrj-471	73	51	disagree	disagree	VERB
abrj-471	73	52	)	)	PUNCT
abrj-471	73	53	to	to	ADP
abrj-471	73	54	5	5	NUM
abrj-471	73	55	(	(	PUNCT
abrj-471	73	56	strongly	strongly	ADV
abrj-471	73	57	agree	agree	VERB
abrj-471	73	58	)	)	PUNCT
abrj-471	73	59	.	.	PUNCT
abrj-471	74	1	•	•	NUM
abrj-471	74	2	dependent	dependent	ADJ
abrj-471	74	3	variable	variable	NOUN
abrj-471	74	4	:	:	PUNCT
abrj-471	74	5	intention	intention	NOUN
abrj-471	74	6	to	to	PART
abrj-471	74	7	use	use	VERB
abrj-471	74	8	fintech	fintech	NOUN
abrj-471	74	9	services	service	NOUN
abrj-471	74	10	(	(	PUNCT
abrj-471	74	11	iuf	iuf	NOUN
abrj-471	74	12	)	)	PUNCT
abrj-471	74	13	is	be	AUX
abrj-471	74	14	derived	derive	VERB
abrj-471	74	15	from	from	ADP
abrj-471	74	16	liñán	liñán	NOUN
abrj-471	74	17	&	&	CCONJ
abrj-471	74	18	chen	chen	PROPN
abrj-471	74	19	(	(	PUNCT
abrj-471	74	20	2009	2009	NUM
abrj-471	74	21	)	)	PUNCT
abrj-471	74	22	and	and	CCONJ
abrj-471	74	23	phung	phung	PROPN
abrj-471	74	24	(	(	PUNCT
abrj-471	74	25	2023	2023	NUM
abrj-471	74	26	)	)	PUNCT
abrj-471	74	27	,	,	PUNCT
abrj-471	74	28	using	use	VERB
abrj-471	74	29	a	a	DET
abrj-471	74	30	5	5	NUM
abrj-471	74	31	-	-	PUNCT
abrj-471	74	32	point	point	NOUN
abrj-471	74	33	likert	likert	ADJ
abrj-471	74	34	scale	scale	NOUN
abrj-471	74	35	ranging	range	VERB
abrj-471	74	36	from	from	ADP
abrj-471	74	37	1	1	NUM
abrj-471	74	38	(	(	PUNCT
abrj-471	74	39	strongly	strongly	ADV
abrj-471	74	40	disagree	disagree	VERB
abrj-471	74	41	)	)	PUNCT
abrj-471	74	42	to	to	ADP
abrj-471	74	43	5	5	NUM
abrj-471	74	44	(	(	PUNCT
abrj-471	74	45	strongly	strongly	ADV
abrj-471	74	46	agree	agree	VERB
abrj-471	74	47	)	)	PUNCT
abrj-471	74	48	.	.	PUNCT
abrj-471	75	1	4.3	4.3	NUM
abrj-471	75	2	.	.	PUNCT
abrj-471	75	3	research	research	NOUN
abrj-471	75	4	method	method	NOUN
abrj-471	75	5	and	and	CCONJ
abrj-471	75	6	data	data	VERB
abrj-471	75	7	the	the	DET
abrj-471	75	8	research	research	NOUN
abrj-471	75	9	model	model	NOUN
abrj-471	75	10	is	be	AUX
abrj-471	75	11	tested	test	VERB
abrj-471	75	12	through	through	ADP
abrj-471	75	13	primary	primary	ADJ
abrj-471	75	14	data	datum	NOUN
abrj-471	75	15	collected	collect	VERB
abrj-471	75	16	from	from	ADP
abrj-471	75	17	high	high	ADJ
abrj-471	75	18	school	school	NOUN
abrj-471	75	19	and	and	CCONJ
abrj-471	75	20	university	university	NOUN
abrj-471	75	21	students	student	NOUN
abrj-471	75	22	in	in	ADP
abrj-471	75	23	hanoi	hanoi	NOUN
abrj-471	75	24	from	from	ADP
abrj-471	75	25	march	march	PROPN
abrj-471	75	26	to	to	ADP
abrj-471	75	27	may	may	PROPN
abrj-471	75	28	2025	2025	NUM
abrj-471	75	29	.	.	PUNCT
abrj-471	76	1	the	the	DET
abrj-471	76	2	formulation	formulation	NOUN
abrj-471	76	3	of	of	ADP
abrj-471	76	4	hypotheses	hypothesis	NOUN
abrj-471	76	5	and	and	CCONJ
abrj-471	76	6	model	model	NOUN
abrj-471	76	7	not	not	PART
abrj-471	76	8	only	only	ADV
abrj-471	76	9	contributes	contribute	VERB
abrj-471	76	10	to	to	ADP
abrj-471	76	11	clarifying	clarify	VERB
abrj-471	76	12	the	the	DET
abrj-471	76	13	role	role	NOUN
abrj-471	76	14	of	of	ADP
abrj-471	76	15	digital	digital	ADJ
abrj-471	76	16	financial	financial	ADJ
abrj-471	76	17	literacy	literacy	NOUN
abrj-471	76	18	in	in	ADP
abrj-471	76	19	the	the	DET
abrj-471	76	20	financial	financial	ADJ
abrj-471	76	21	behavior	behavior	NOUN
abrj-471	76	22	of	of	ADP
abrj-471	76	23	young	young	ADJ
abrj-471	76	24	people	people	NOUN
abrj-471	76	25	but	but	CCONJ
abrj-471	76	26	also	also	ADV
abrj-471	76	27	highlights	highlight	VERB
abrj-471	76	28	the	the	DET
abrj-471	76	29	factors	factor	NOUN
abrj-471	76	30	that	that	PRON
abrj-471	76	31	promote	promote	VERB
abrj-471	76	32	access	access	NOUN
abrj-471	76	33	to	to	ADP
abrj-471	76	34	financial	financial	ADJ
abrj-471	76	35	technology	technology	NOUN
abrj-471	76	36	in	in	ADP
abrj-471	76	37	the	the	DET
abrj-471	76	38	context	context	NOUN
abrj-471	76	39	of	of	ADP
abrj-471	76	40	digital	digital	ADJ
abrj-471	76	41	transformation	transformation	NOUN
abrj-471	76	42	in	in	ADP
abrj-471	76	43	vietnam	vietnam	PROPN
abrj-471	76	44	.	.	PUNCT
abrj-471	77	1	data	datum	NOUN
abrj-471	77	2	was	be	AUX
abrj-471	77	3	collected	collect	VERB
abrj-471	77	4	through	through	ADP
abrj-471	77	5	an	an	DET
abrj-471	77	6	online	online	ADJ
abrj-471	77	7	survey	survey	NOUN
abrj-471	77	8	using	use	VERB
abrj-471	77	9	the	the	DET
abrj-471	77	10	“	"	PUNCT
abrj-471	77	11	google	google	PROPN
abrj-471	77	12	forms	form	NOUN
abrj-471	77	13	”	"	PUNCT
abrj-471	77	14	platform	platform	NOUN
abrj-471	77	15	.	.	PUNCT
abrj-471	78	1	the	the	DET
abrj-471	78	2	target	target	NOUN
abrj-471	78	3	respondents	respondent	NOUN
abrj-471	78	4	were	be	AUX
abrj-471	78	5	high	high	ADJ
abrj-471	78	6	school	school	NOUN
abrj-471	78	7	and	and	CCONJ
abrj-471	78	8	university	university	NOUN
abrj-471	78	9	students	student	NOUN
abrj-471	78	10	in	in	ADP
abrj-471	78	11	hanoi	hanoi	PROPN
abrj-471	78	12	,	,	PUNCT
abrj-471	78	13	vietnam	vietnam	PROPN
abrj-471	78	14	.	.	PUNCT
abrj-471	79	1	the	the	DET
abrj-471	79	2	survey	survey	NOUN
abrj-471	79	3	was	be	AUX
abrj-471	79	4	conducted	conduct	VERB
abrj-471	79	5	from	from	ADP
abrj-471	79	6	march	march	PROPN
abrj-471	79	7	2025	2025	NUM
abrj-471	79	8	to	to	PART
abrj-471	79	9	may	may	PROPN
abrj-471	79	10	2025	2025	NUM
abrj-471	79	11	.	.	PUNCT
abrj-471	80	1	the	the	DET
abrj-471	80	2	questionnaire	questionnaire	NOUN
abrj-471	80	3	was	be	AUX
abrj-471	80	4	distributed	distribute	VERB
abrj-471	80	5	to	to	ADP
abrj-471	80	6	students	student	NOUN
abrj-471	80	7	via	via	ADP
abrj-471	80	8	facebook	facebook	PROPN
abrj-471	80	9	,	,	PUNCT
abrj-471	80	10	zalo	zalo	NOUN
abrj-471	80	11	,	,	PUNCT
abrj-471	80	12	and	and	CCONJ
abrj-471	80	13	email	email	NOUN
abrj-471	80	14	.	.	PUNCT
abrj-471	81	1	the	the	DET
abrj-471	81	2	number	number	NOUN
abrj-471	81	3	of	of	ADP
abrj-471	81	4	valid	valid	ADJ
abrj-471	81	5	observations	observation	NOUN
abrj-471	81	6	used	use	VERB
abrj-471	81	7	in	in	ADP
abrj-471	81	8	this	this	DET
abrj-471	81	9	study	study	NOUN
abrj-471	81	10	is	be	AUX
abrj-471	81	11	180	180	NUM
abrj-471	81	12	.	.	PUNCT
abrj-471	82	1	three	three	NUM
abrj-471	82	2	methods	method	NOUN
abrj-471	82	3	are	be	AUX
abrj-471	82	4	used	use	VERB
abrj-471	82	5	to	to	PART
abrj-471	82	6	test	test	VERB
abrj-471	82	7	the	the	DET
abrj-471	82	8	hypotheses	hypothesis	NOUN
abrj-471	82	9	and	and	CCONJ
abrj-471	82	10	other	other	ADJ
abrj-471	82	11	regression	regression	NOUN
abrj-471	82	12	relationships	relationship	NOUN
abrj-471	82	13	,	,	PUNCT
abrj-471	82	14	including	include	VERB
abrj-471	82	15	structural	structural	ADJ
abrj-471	82	16	equation	equation	NOUN
abrj-471	82	17	modeling	modeling	NOUN
abrj-471	82	18	(	(	PUNCT
abrj-471	82	19	sem	sem	NOUN
abrj-471	82	20	)	)	PUNCT
abrj-471	82	21	,	,	PUNCT
abrj-471	82	22	binary	binary	PROPN
abrj-471	82	23	logit	logit	PROPN
abrj-471	82	24	,	,	PUNCT
abrj-471	82	25	and	and	CCONJ
abrj-471	82	26	ordinary	ordinary	ADJ
abrj-471	82	27	least	least	ADJ
abrj-471	82	28	squares	square	NOUN
abrj-471	82	29	(	(	PUNCT
abrj-471	82	30	ols	ol	NOUN
abrj-471	82	31	)	)	PUNCT
abrj-471	82	32	.	.	PUNCT
abrj-471	83	1	the	the	DET
abrj-471	83	2	software	software	NOUN
abrj-471	83	3	used	use	VERB
abrj-471	83	4	includes	include	VERB
abrj-471	83	5	spss	spss	PROPN
abrj-471	83	6	and	and	CCONJ
abrj-471	83	7	amos	amos	PROPN
abrj-471	83	8	.	.	PUNCT
abrj-471	84	1	in	in	ADP
abrj-471	84	2	addition	addition	NOUN
abrj-471	84	3	,	,	PUNCT
abrj-471	84	4	tests	test	NOUN
abrj-471	84	5	conducted	conduct	VERB
abrj-471	84	6	include	include	VERB
abrj-471	84	7	reliability	reliability	NOUN
abrj-471	84	8	testing	testing	NOUN
abrj-471	84	9	of	of	ADP
abrj-471	84	10	the	the	DET
abrj-471	84	11	scale	scale	NOUN
abrj-471	84	12	(	(	PUNCT
abrj-471	84	13	cronbach	cronbach	PROPN
abrj-471	84	14	’s	’s	PART
abrj-471	84	15	alpha	alpha	NOUN
abrj-471	84	16	)	)	PUNCT
abrj-471	84	17	,	,	PUNCT
abrj-471	84	18	exploratory	exploratory	ADJ
abrj-471	84	19	factor	factor	NOUN
abrj-471	84	20	analysis	analysis	NOUN
abrj-471	84	21	(	(	PUNCT
abrj-471	84	22	efa	efa	PROPN
abrj-471	84	23	)	)	PUNCT
abrj-471	84	24	,	,	PUNCT
abrj-471	84	25	and	and	CCONJ
abrj-471	84	26	confirmatory	confirmatory	NOUN
abrj-471	84	27	factor	factor	NOUN
abrj-471	84	28	analysis	analysis	NOUN
abrj-471	84	29	(	(	PUNCT
abrj-471	84	30	cfa	cfa	NOUN
abrj-471	84	31	)	)	PUNCT
abrj-471	84	32	.	.	PUNCT
abrj-471	85	1	5	5	X
abrj-471	85	2	.	.	X
abrj-471	85	3	research	research	NOUN
abrj-471	85	4	results	result	VERB
abrj-471	85	5	5.1	5.1	NUM
abrj-471	85	6	.	.	PUNCT
abrj-471	86	1	descriptive	descriptive	ADJ
abrj-471	86	2	statistics	statistic	NOUN
abrj-471	86	3	descriptive	descriptive	ADJ
abrj-471	86	4	statistics	statistic	NOUN
abrj-471	86	5	of	of	ADP
abrj-471	86	6	the	the	DET
abrj-471	86	7	survey	survey	NOUN
abrj-471	86	8	participants	participant	NOUN
abrj-471	86	9	(	(	PUNCT
abrj-471	86	10	n	n	NOUN
abrj-471	86	11	=	=	SYM
abrj-471	86	12	180	180	NUM
abrj-471	86	13	)	)	PUNCT
abrj-471	86	14	are	be	AUX
abrj-471	86	15	presented	present	VERB
abrj-471	86	16	in	in	ADP
abrj-471	86	17	table	table	NOUN
abrj-471	86	18	1	1	NUM
abrj-471	86	19	.	.	PUNCT
abrj-471	87	1	among	among	ADP
abrj-471	87	2	them	they	PRON
abrj-471	87	3	,	,	PUNCT
abrj-471	87	4	males	male	NOUN
abrj-471	87	5	accounted	account	VERB
abrj-471	87	6	for	for	ADP
abrj-471	87	7	34	34	NUM
abrj-471	87	8	%	%	NOUN
abrj-471	87	9	and	and	CCONJ
abrj-471	87	10	females	female	NOUN
abrj-471	87	11	66	66	NUM
abrj-471	87	12	%	%	NOUN
abrj-471	87	13	.	.	PUNCT
abrj-471	88	1	the	the	DET
abrj-471	88	2	age	age	NOUN
abrj-471	88	3	group	group	NOUN
abrj-471	88	4	from	from	ADP
abrj-471	88	5	18	18	NUM
abrj-471	88	6	to	to	PART
abrj-471	88	7	20	20	NUM
abrj-471	88	8	accounted	account	VERB
abrj-471	88	9	for	for	ADP
abrj-471	88	10	37	37	NUM
abrj-471	88	11	%	%	NOUN
abrj-471	88	12	,	,	PUNCT
abrj-471	88	13	followed	follow	VERB
abrj-471	88	14	by	by	ADP
abrj-471	88	15	the	the	DET
abrj-471	88	16	age	age	NOUN
abrj-471	88	17	group	group	NOUN
abrj-471	88	18	from	from	ADP
abrj-471	88	19	21	21	NUM
abrj-471	88	20	to	to	ADP
abrj-471	88	21	22	22	NUM
abrj-471	88	22	(	(	PUNCT
abrj-471	88	23	28	28	NUM
abrj-471	88	24	%	%	NOUN
abrj-471	88	25	)	)	PUNCT
abrj-471	88	26	,	,	PUNCT
abrj-471	88	27	22	22	NUM
abrj-471	88	28	to	to	PART
abrj-471	88	29	23	23	NUM
abrj-471	88	30	(	(	PUNCT
abrj-471	88	31	23	23	NUM
abrj-471	88	32	%	%	NOUN
abrj-471	88	33	)	)	PUNCT
abrj-471	88	34	,	,	PUNCT
abrj-471	88	35	and	and	CCONJ
abrj-471	88	36	from	from	ADP
abrj-471	88	37	24	24	NUM
abrj-471	88	38	and	and	CCONJ
abrj-471	88	39	above	above	ADV
abrj-471	88	40	(	(	PUNCT
abrj-471	88	41	12	12	NUM
abrj-471	88	42	%	%	NOUN
abrj-471	88	43	)	)	PUNCT
abrj-471	88	44	.	.	PUNCT
abrj-471	89	1	most	most	ADJ
abrj-471	89	2	of	of	ADP
abrj-471	89	3	the	the	DET
abrj-471	89	4	respondents	respondent	NOUN
abrj-471	89	5	were	be	AUX
abrj-471	89	6	university	university	NOUN
abrj-471	89	7	students	student	NOUN
abrj-471	89	8	.	.	PUNCT
abrj-471	90	1	overall	overall	ADV
abrj-471	90	2	,	,	PUNCT
abrj-471	90	3	students	student	NOUN
abrj-471	90	4	had	have	VERB
abrj-471	90	5	a	a	DET
abrj-471	90	6	relatively	relatively	ADV
abrj-471	90	7	good	good	ADJ
abrj-471	90	8	average	average	ADJ
abrj-471	90	9	level	level	NOUN
abrj-471	90	10	of	of	ADP
abrj-471	90	11	digital	digital	ADJ
abrj-471	90	12	financial	financial	ADJ
abrj-471	90	13	literacy	literacy	NOUN
abrj-471	90	14	(	(	PUNCT
abrj-471	90	15	dfl	dfl	PROPN
abrj-471	90	16	)	)	PUNCT
abrj-471	90	17	(	(	PUNCT
abrj-471	90	18	mean	mean	NOUN
abrj-471	90	19	=	=	NUM
abrj-471	90	20	3.42	3.42	NUM
abrj-471	90	21	)	)	PUNCT
abrj-471	90	22	.	.	PUNCT
abrj-471	91	1	students	student	NOUN
abrj-471	91	2	also	also	ADV
abrj-471	91	3	demonstrated	demonstrate	VERB
abrj-471	91	4	a	a	DET
abrj-471	91	5	positive	positive	ADJ
abrj-471	91	6	financial	financial	ADJ
abrj-471	91	7	attitude	attitude	NOUN
abrj-471	91	8	(	(	PUNCT
abrj-471	91	9	fat	fat	NOUN
abrj-471	91	10	)	)	PUNCT
abrj-471	91	11	(	(	PUNCT
abrj-471	91	12	mean	mean	NOUN
abrj-471	91	13	=	=	SYM
abrj-471	91	14	4.45	4.45	NUM
abrj-471	91	15	)	)	PUNCT
abrj-471	91	16	,	,	PUNCT
abrj-471	91	17	good	good	ADJ
abrj-471	91	18	perceived	perceive	VERB
abrj-471	91	19	behavioral	behavioral	ADJ
abrj-471	91	20	control	control	NOUN
abrj-471	91	21	(	(	PUNCT
abrj-471	91	22	pbc	pbc	PROPN
abrj-471	91	23	)	)	PUNCT
abrj-471	91	24	(	(	PUNCT
abrj-471	91	25	mean	mean	NOUN
abrj-471	91	26	=	=	SYM
abrj-471	91	27	4.42	4.42	NUM
abrj-471	91	28	)	)	PUNCT
abrj-471	91	29	,	,	PUNCT
abrj-471	91	30	and	and	CCONJ
abrj-471	91	31	a	a	DET
abrj-471	91	32	relatively	relatively	ADV
abrj-471	91	33	high	high	ADJ
abrj-471	91	34	level	level	NOUN
abrj-471	91	35	of	of	ADP
abrj-471	91	36	subjective	subjective	ADJ
abrj-471	91	37	norms	norm	NOUN
abrj-471	91	38	(	(	PUNCT
abrj-471	91	39	nor	nor	CCONJ
abrj-471	91	40	)	)	PUNCT
abrj-471	91	41	(	(	PUNCT
abrj-471	91	42	mean	mean	NOUN
abrj-471	91	43	=	=	SYM
abrj-471	91	44	3.51	3.51	NUM
abrj-471	91	45	)	)	PUNCT
abrj-471	91	46	.	.	PUNCT
abrj-471	92	1	the	the	DET
abrj-471	92	2	intention	intention	NOUN
abrj-471	92	3	to	to	PART
abrj-471	92	4	use	use	VERB
abrj-471	92	5	fintech	fintech	NOUN
abrj-471	92	6	services	service	NOUN
abrj-471	92	7	(	(	PUNCT
abrj-471	92	8	iuf	iuf	NOUN
abrj-471	92	9	)	)	PUNCT
abrj-471	92	10	was	be	AUX
abrj-471	92	11	also	also	ADV
abrj-471	92	12	quite	quite	ADV
abrj-471	92	13	high	high	ADJ
abrj-471	92	14	(	(	PUNCT
abrj-471	92	15	mean	mean	NOUN
abrj-471	92	16	=	=	SYM
abrj-471	92	17	3.78	3.78	NUM
abrj-471	92	18	)	)	PUNCT
abrj-471	92	19	.	.	PUNCT
abrj-471	93	1	asian	asian	ADJ
abrj-471	93	2	business	business	PROPN
abrj-471	93	3	research	research	NOUN
abrj-471	93	4	journal	journal	NOUN
abrj-471	93	5	,	,	PUNCT
abrj-471	93	6	2025	2025	NUM
abrj-471	93	7	,	,	PUNCT
abrj-471	93	8	10(6	10(6	NUM
abrj-471	93	9	):	):	PUNCT
abrj-471	93	10	21	21	NUM
abrj-471	93	11	-	-	SYM
abrj-471	93	12	27	27	NUM
abrj-471	93	13	24	24	NUM
abrj-471	93	14	©	©	PROPN
abrj-471	93	15	2025	2025	NUM
abrj-471	93	16	by	by	ADP
abrj-471	93	17	the	the	DET
abrj-471	93	18	authors	author	NOUN
abrj-471	93	19	;	;	PUNCT
abrj-471	93	20	licensee	licensee	NOUN
abrj-471	93	21	eastern	eastern	ADJ
abrj-471	93	22	centre	centre	NOUN
abrj-471	93	23	of	of	ADP
abrj-471	93	24	science	science	NOUN
abrj-471	93	25	and	and	CCONJ
abrj-471	93	26	education	education	NOUN
abrj-471	93	27	,	,	PUNCT
abrj-471	93	28	usa	usa	PROPN
abrj-471	93	29	table	table	NOUN
abrj-471	93	30	1	1	NUM
abrj-471	93	31	.	.	PUNCT
abrj-471	93	32	descriptive	descriptive	ADJ
abrj-471	93	33	statistics	statistic	NOUN
abrj-471	93	34	.	.	PUNCT
abrj-471	94	1	scale	scale	VERB
abrj-471	94	2	minimum	minimum	ADJ
abrj-471	94	3	maximum	maximum	ADJ
abrj-471	94	4	mean	mean	ADJ
abrj-471	94	5	median	median	ADJ
abrj-471	94	6	standard	standard	ADJ
abrj-471	94	7	deviation	deviation	NOUN
abrj-471	94	8	dfl	dfl	PROPN
abrj-471	94	9	1	1	NUM
abrj-471	94	10	5	5	NUM
abrj-471	94	11	3,42	3,42	NUM
abrj-471	94	12	3,25	3,25	NUM
abrj-471	94	13	0,89	0,89	NUM
abrj-471	95	1	pbc	pbc	NOUN
abrj-471	95	2	1	1	NUM
abrj-471	95	3	5	5	NUM
abrj-471	95	4	4,42	4,42	NOUN
abrj-471	95	5	4,67	4,67	NUM
abrj-471	95	6	0,63	0,63	X
abrj-471	96	1	fat	fat	ADJ
abrj-471	96	2	1	1	NUM
abrj-471	96	3	5	5	NUM
abrj-471	96	4	4,45	4,45	NUM
abrj-471	96	5	4,75	4,75	NOUN
abrj-471	96	6	0,61	0,61	NUM
abrj-471	96	7	nor	nor	CCONJ
abrj-471	96	8	1	1	NUM
abrj-471	96	9	5	5	NUM
abrj-471	96	10	3,51	3,51	NUM
abrj-471	96	11	3,67	3,67	NUM
abrj-471	96	12	0,94	0,94	NOUN
abrj-471	96	13	iuf	iuf	VERB
abrj-471	96	14	1	1	NUM
abrj-471	96	15	5	5	NUM
abrj-471	96	16	3,78	3,78	NUM
abrj-471	96	17	4,00	4,00	NUM
abrj-471	96	18	0,78	0,78	NUM
abrj-471	96	19	5.2	5.2	NUM
abrj-471	96	20	.	.	PUNCT
abrj-471	97	1	reliability	reliability	NOUN
abrj-471	97	2	testing	testing	NOUN
abrj-471	97	3	of	of	ADP
abrj-471	97	4	measurement	measurement	NOUN
abrj-471	97	5	scale	scale	NOUN
abrj-471	97	6	table	table	NOUN
abrj-471	97	7	2	2	NUM
abrj-471	97	8	presents	present	VERB
abrj-471	97	9	the	the	DET
abrj-471	97	10	results	result	NOUN
abrj-471	97	11	of	of	ADP
abrj-471	97	12	reliability	reliability	NOUN
abrj-471	97	13	testing	testing	NOUN
abrj-471	97	14	for	for	ADP
abrj-471	97	15	five	five	NUM
abrj-471	97	16	measurement	measurement	NOUN
abrj-471	97	17	scales	scale	NOUN
abrj-471	97	18	,	,	PUNCT
abrj-471	97	19	including	include	VERB
abrj-471	97	20	:	:	PUNCT
abrj-471	97	21	intention	intention	NOUN
abrj-471	97	22	to	to	PART
abrj-471	97	23	use	use	VERB
abrj-471	97	24	fintech	fintech	NOUN
abrj-471	97	25	services	service	NOUN
abrj-471	97	26	(	(	PUNCT
abrj-471	97	27	iuf	iuf	NOUN
abrj-471	97	28	)	)	PUNCT
abrj-471	97	29	,	,	PUNCT
abrj-471	97	30	digital	digital	ADJ
abrj-471	97	31	financial	financial	ADJ
abrj-471	97	32	literacy	literacy	NOUN
abrj-471	97	33	(	(	PUNCT
abrj-471	97	34	dfl	dfl	PROPN
abrj-471	97	35	)	)	PUNCT
abrj-471	97	36	,	,	PUNCT
abrj-471	97	37	subjective	subjective	ADJ
abrj-471	97	38	norms	norm	NOUN
abrj-471	97	39	(	(	PUNCT
abrj-471	97	40	nor	nor	CCONJ
abrj-471	97	41	)	)	PUNCT
abrj-471	97	42	,	,	PUNCT
abrj-471	97	43	perceived	perceive	VERB
abrj-471	97	44	behavioral	behavioral	ADJ
abrj-471	97	45	control	control	NOUN
abrj-471	97	46	(	(	PUNCT
abrj-471	97	47	pbc	pbc	PROPN
abrj-471	97	48	)	)	PUNCT
abrj-471	97	49	,	,	PUNCT
abrj-471	97	50	and	and	CCONJ
abrj-471	97	51	financial	financial	ADJ
abrj-471	97	52	attitude	attitude	NOUN
abrj-471	97	53	(	(	PUNCT
abrj-471	97	54	fat	fat	NOUN
abrj-471	97	55	)	)	PUNCT
abrj-471	97	56	.	.	PUNCT
abrj-471	98	1	the	the	DET
abrj-471	98	2	results	result	NOUN
abrj-471	98	3	indicate	indicate	VERB
abrj-471	98	4	that	that	SCONJ
abrj-471	98	5	all	all	DET
abrj-471	98	6	scales	scale	NOUN
abrj-471	98	7	have	have	VERB
abrj-471	98	8	a	a	DET
abrj-471	98	9	cronbach	cronbach	NOUN
abrj-471	98	10	’s	’s	PART
abrj-471	98	11	alpha	alpha	NOUN
abrj-471	98	12	coefficient	coefficient	NOUN
abrj-471	98	13	greater	great	ADJ
abrj-471	98	14	than	than	ADP
abrj-471	98	15	0.7	0.7	NUM
abrj-471	98	16	.	.	PUNCT
abrj-471	99	1	specifically	specifically	ADV
abrj-471	99	2	,	,	PUNCT
abrj-471	99	3	iuf	iuf	PROPN
abrj-471	99	4	has	have	VERB
abrj-471	99	5	a	a	DET
abrj-471	99	6	coefficient	coefficient	NOUN
abrj-471	99	7	of	of	ADP
abrj-471	99	8	0.867	0.867	NUM
abrj-471	99	9	;	;	PUNCT
abrj-471	99	10	pbc	pbc	PROPN
abrj-471	99	11	(	(	PUNCT
abrj-471	99	12	0.749	0.749	NUM
abrj-471	99	13	)	)	PUNCT
abrj-471	99	14	;	;	PUNCT
abrj-471	99	15	fat	fat	NOUN
abrj-471	99	16	(	(	PUNCT
abrj-471	99	17	0.854	0.854	NUM
abrj-471	99	18	)	)	PUNCT
abrj-471	99	19	;	;	PUNCT
abrj-471	99	20	nor	nor	CCONJ
abrj-471	99	21	(	(	PUNCT
abrj-471	99	22	0.825	0.825	NUM
abrj-471	99	23	)	)	PUNCT
abrj-471	99	24	;	;	PUNCT
abrj-471	99	25	and	and	CCONJ
abrj-471	99	26	dfl	dfl	PROPN
abrj-471	99	27	(	(	PUNCT
abrj-471	99	28	0.874	0.874	NUM
abrj-471	99	29	)	)	PUNCT
abrj-471	99	30	.	.	PUNCT
abrj-471	100	1	according	accord	VERB
abrj-471	100	2	to	to	ADP
abrj-471	100	3	hair	hair	NOUN
abrj-471	100	4	et	et	PROPN
abrj-471	100	5	al	al	PROPN
abrj-471	100	6	.	.	PUNCT
abrj-471	101	1	(	(	PUNCT
abrj-471	101	2	2014	2014	NUM
abrj-471	101	3	)	)	PUNCT
abrj-471	101	4	,	,	PUNCT
abrj-471	101	5	all	all	DET
abrj-471	101	6	five	five	NUM
abrj-471	101	7	scales	scale	NOUN
abrj-471	101	8	were	be	AUX
abrj-471	101	9	eligible	eligible	ADJ
abrj-471	101	10	for	for	ADP
abrj-471	101	11	testing	testing	NOUN
abrj-471	101	12	and	and	CCONJ
abrj-471	101	13	exploratory	exploratory	ADJ
abrj-471	101	14	factor	factor	NOUN
abrj-471	101	15	analysis	analysis	NOUN
abrj-471	101	16	.	.	PUNCT
abrj-471	102	1	table	table	NOUN
abrj-471	102	2	2	2	NUM
abrj-471	102	3	.	.	PUNCT
abrj-471	102	4	reliability	reliability	NOUN
abrj-471	102	5	testing	testing	NOUN
abrj-471	102	6	of	of	ADP
abrj-471	102	7	measurement	measurement	NOUN
abrj-471	102	8	scales	scale	NOUN
abrj-471	102	9	.	.	PUNCT
abrj-471	103	1	observed	observe	VERB
abrj-471	103	2	variable	variable	ADJ
abrj-471	103	3	scale	scale	NOUN
abrj-471	103	4	mean	mean	VERB
abrj-471	103	5	if	if	SCONJ
abrj-471	103	6	item	item	NOUN
abrj-471	103	7	deleted	delete	VERB
abrj-471	103	8	scale	scale	NOUN
abrj-471	103	9	variance	variance	NOUN
abrj-471	103	10	if	if	SCONJ
abrj-471	103	11	item	item	NOUN
abrj-471	103	12	deleted	delete	VERB
abrj-471	103	13	corrected	correct	VERB
abrj-471	103	14	item	item	NOUN
abrj-471	103	15	-	-	PUNCT
abrj-471	103	16	total	total	NOUN
abrj-471	103	17	correlation	correlation	NOUN
abrj-471	103	18	cronbach	cronbach	NOUN
abrj-471	103	19	's	's	PART
abrj-471	103	20	alpha	alpha	NOUN
abrj-471	103	21	if	if	SCONJ
abrj-471	103	22	item	item	NOUN
abrj-471	103	23	deleted	delete	VERB
abrj-471	103	24	1	1	NUM
abrj-471	103	25	.	.	X
abrj-471	104	1	intention	intention	NOUN
abrj-471	104	2	to	to	PART
abrj-471	104	3	use	use	VERB
abrj-471	104	4	fintech	fintech	NOUN
abrj-471	104	5	services	service	NOUN
abrj-471	104	6	(	(	PUNCT
abrj-471	104	7	iuf	iuf	NOUN
abrj-471	104	8	):	):	PUNCT
abrj-471	104	9	cronbach	cronbach	PROPN
abrj-471	104	10	’s	’s	PART
abrj-471	104	11	alpha	alpha	NOUN
abrj-471	104	12	=	=	NOUN
abrj-471	104	13	0.867	0.867	NUM
abrj-471	104	14	iuf	iuf	VERB
abrj-471	104	15	1	1	NUM
abrj-471	104	16	7.764	7.764	NUM
abrj-471	104	17	2.857	2.857	NUM
abrj-471	104	18	0.801	0.801	NUM
abrj-471	104	19	0.864	0.864	NUM
abrj-471	104	20	iuf	iuf	NOUN
abrj-471	104	21	2	2	NUM
abrj-471	104	22	7.737	7.737	NUM
abrj-471	104	23	2.384	2.384	NUM
abrj-471	104	24	0.716	0.716	NUM
abrj-471	104	25	0.838	0.838	NUM
abrj-471	104	26	iuf	iuf	NOUN
abrj-471	104	27	3	3	NUM
abrj-471	104	28	7.563	7.563	NUM
abrj-471	104	29	2.046	2.046	NUM
abrj-471	104	30	0.777	0.777	NUM
abrj-471	104	31	0.850	0.850	NUM
abrj-471	104	32	iuf	iuf	ADJ
abrj-471	104	33	4	4	NUM
abrj-471	104	34	7.413	7.413	NUM
abrj-471	104	35	2.541	2.541	NUM
abrj-471	104	36	0.728	0.728	NUM
abrj-471	104	37	0.811	0.811	NUM
abrj-471	104	38	2	2	NUM
abrj-471	104	39	.	.	PUNCT
abrj-471	105	1	digital	digital	ADJ
abrj-471	105	2	financial	financial	ADJ
abrj-471	105	3	literacy	literacy	NOUN
abrj-471	105	4	(	(	PUNCT
abrj-471	105	5	dfl	dfl	PROPN
abrj-471	105	6	):	):	PUNCT
abrj-471	105	7	cronbach	cronbach	PROPN
abrj-471	105	8	’s	’s	NOUN
abrj-471	105	9	alpha=	alpha=	NUM
abrj-471	105	10	0.874	0.874	NUM
abrj-471	105	11	dfl	dfl	PROPN
abrj-471	105	12	1	1	NUM
abrj-471	105	13	11.157	11.157	NUM
abrj-471	105	14	7.069	7.069	NUM
abrj-471	105	15	0.601	0.601	NUM
abrj-471	105	16	0.789	0.789	NUM
abrj-471	105	17	dfl	dfl	PROPN
abrj-471	105	18	2	2	NUM
abrj-471	105	19	11.205	11.205	NUM
abrj-471	105	20	7.701	7.701	NUM
abrj-471	105	21	0.628	0.628	NUM
abrj-471	105	22	0.777	0.777	NUM
abrj-471	105	23	dfl	dfl	PROPN
abrj-471	105	24	3	3	NUM
abrj-471	105	25	11.484	11.484	NUM
abrj-471	105	26	7.461	7.461	NUM
abrj-471	105	27	0.669	0.669	NUM
abrj-471	105	28	0.858	0.858	NUM
abrj-471	105	29	dfl	dfl	PROPN
abrj-471	105	30	4	4	NUM
abrj-471	105	31	11.452	11.452	NUM
abrj-471	105	32	7.336	7.336	NUM
abrj-471	105	33	0.665	0.665	NUM
abrj-471	105	34	0.860	0.860	NUM
abrj-471	105	35	3	3	NUM
abrj-471	105	36	.	.	PUNCT
abrj-471	105	37	subjective	subjective	ADJ
abrj-471	105	38	norms	norm	NOUN
abrj-471	105	39	(	(	PUNCT
abrj-471	105	40	nor	nor	CCONJ
abrj-471	105	41	):	):	PUNCT
abrj-471	105	42	cronbach	cronbach	PROPN
abrj-471	105	43	’s	’s	X
abrj-471	105	44	alpha=	alpha=	NUM
abrj-471	105	45	0.825	0.825	NUM
abrj-471	105	46	nor	nor	CCONJ
abrj-471	105	47	1	1	NUM
abrj-471	105	48	7.276	7.276	NUM
abrj-471	105	49	5.820	5.820	NUM
abrj-471	105	50	0.794	0.794	NUM
abrj-471	105	51	0.740	0.740	NUM
abrj-471	105	52	nor	nor	CCONJ
abrj-471	105	53	2	2	NUM
abrj-471	105	54	7.322	7.322	NUM
abrj-471	105	55	5.037	5.037	NUM
abrj-471	105	56	0.772	0.772	NUM
abrj-471	105	57	0.741	0.741	NUM
abrj-471	105	58	nor	nor	CCONJ
abrj-471	105	59	3	3	NUM
abrj-471	105	60	7.300	7.300	NUM
abrj-471	105	61	5.086	5.086	NUM
abrj-471	105	62	0.778	0.778	NUM
abrj-471	105	63	0.814	0.814	NUM
abrj-471	105	64	nor	nor	CCONJ
abrj-471	105	65	4	4	NUM
abrj-471	105	66	7.454	7.454	NUM
abrj-471	105	67	5.970	5.970	NUM
abrj-471	105	68	0.762	0.762	NUM
abrj-471	105	69	0.711	0.711	NUM
abrj-471	105	70	4	4	NUM
abrj-471	105	71	.	.	PUNCT
abrj-471	105	72	perceived	perceive	VERB
abrj-471	105	73	behavioral	behavioral	ADJ
abrj-471	105	74	control	control	NOUN
abrj-471	105	75	(	(	PUNCT
abrj-471	105	76	pbc	pbc	PROPN
abrj-471	105	77	):	):	PUNCT
abrj-471	105	78	cronbach	cronbach	PROPN
abrj-471	105	79	’s	’s	PART
abrj-471	105	80	alpha=	alpha=	NUM
abrj-471	105	81	0.749	0.749	NUM
abrj-471	105	82	pbc	pbc	PROPN
abrj-471	105	83	1	1	NUM
abrj-471	105	84	8.413	8.413	NUM
abrj-471	105	85	1.265	1.265	NUM
abrj-471	105	86	0.686	0.686	NUM
abrj-471	105	87	0.744	0.744	NUM
abrj-471	105	88	pbc	pbc	PROPN
abrj-471	105	89	2	2	NUM
abrj-471	105	90	8.471	8.471	NUM
abrj-471	105	91	1.492	1.492	NUM
abrj-471	105	92	0.654	0.654	NUM
abrj-471	105	93	0.745	0.745	NUM
abrj-471	105	94	pbc	pbc	PROPN
abrj-471	105	95	3	3	NUM
abrj-471	105	96	8.487	8.487	NUM
abrj-471	105	97	1.519	1.519	NUM
abrj-471	105	98	0.779	0.779	NUM
abrj-471	105	99	0.741	0.741	NUM
abrj-471	105	100	pbc	pbc	PROPN
abrj-471	105	101	4	4	NUM
abrj-471	105	102	8.483	8.483	NUM
abrj-471	105	103	1.733	1.733	NUM
abrj-471	105	104	0.734	0.734	NUM
abrj-471	105	105	0.742	0.742	NUM
abrj-471	105	106	5	5	NUM
abrj-471	105	107	.	.	PUNCT
abrj-471	105	108	financial	financial	ADJ
abrj-471	105	109	attitude	attitude	NOUN
abrj-471	105	110	(	(	PUNCT
abrj-471	105	111	fat	fat	ADJ
abrj-471	105	112	):	):	PUNCT
abrj-471	105	113	cronbach	cronbach	PROPN
abrj-471	105	114	’s	’s	NOUN
abrj-471	105	115	alpha=	alpha=	NUM
abrj-471	105	116	0.854	0.854	NUM
abrj-471	105	117	fat	fat	NOUN
abrj-471	105	118	1	1	NUM
abrj-471	105	119	13.815	13.815	NUM
abrj-471	105	120	3.941	3.941	NUM
abrj-471	105	121	0.752	0.752	NUM
abrj-471	105	122	0.831	0.831	NUM
abrj-471	105	123	fat	fat	ADJ
abrj-471	105	124	2	2	NUM
abrj-471	105	125	13.665	13.665	NUM
abrj-471	105	126	3.593	3.593	NUM
abrj-471	105	127	0.748	0.748	NUM
abrj-471	105	128	0.847	0.847	NUM
abrj-471	105	129	fat	fat	ADJ
abrj-471	105	130	3	3	NUM
abrj-471	105	131	13.753	13.753	NUM
abrj-471	105	132	3.619	3.619	NUM
abrj-471	105	133	0.783	0.783	NUM
abrj-471	105	134	0.830	0.830	NUM
abrj-471	105	135	fat	fat	ADJ
abrj-471	105	136	4	4	NUM
abrj-471	105	137	13.807	13.807	NUM
abrj-471	105	138	3.204	3.204	NUM
abrj-471	105	139	0.752	0.752	NUM
abrj-471	105	140	0.843	0.843	NUM
abrj-471	105	141	table	table	NOUN
abrj-471	105	142	3	3	NUM
abrj-471	105	143	.	.	PUNCT
abrj-471	105	144	exploratory	exploratory	ADJ
abrj-471	105	145	factor	factor	NOUN
abrj-471	105	146	analysis	analysis	NOUN
abrj-471	105	147	(	(	PUNCT
abrj-471	105	148	efa	efa	PROPN
abrj-471	105	149	)	)	PUNCT
abrj-471	105	150	.	.	PUNCT
abrj-471	106	1	variable	variable	ADJ
abrj-471	106	2	component	component	NOUN
abrj-471	106	3	communalities	communalitie	NOUN
abrj-471	106	4	item	item	NOUN
abrj-471	106	5	deleted	delete	VERB
abrj-471	106	6	1	1	NUM
abrj-471	106	7	2	2	NUM
abrj-471	106	8	3	3	NUM
abrj-471	106	9	4	4	NUM
abrj-471	106	10	5	5	NUM
abrj-471	106	11	dfl2	dfl2	NOUN
abrj-471	106	12	0,834	0,834	NUM
abrj-471	106	13	0,789	0,789	NUM
abrj-471	106	14	dfl1	dfl1	PROPN
abrj-471	106	15	0,809	0,809	NUM
abrj-471	106	16	0,778	0,778	NUM
abrj-471	106	17	dfl3	dfl3	VERB
abrj-471	106	18	0,800	0,800	NUM
abrj-471	106	19	0,741	0,741	NUM
abrj-471	106	20	dfl4	dfl4	NOUN
abrj-471	106	21	0,729	0,729	NUM
abrj-471	106	22	0,706	0,706	NUM
abrj-471	106	23	fat	fat	ADJ
abrj-471	106	24	3	3	NUM
abrj-471	106	25	0,858	0,858	NUM
abrj-471	106	26	0,780	0,780	NUM
abrj-471	106	27	fat	fat	ADJ
abrj-471	106	28	2	2	NUM
abrj-471	106	29	0,848	0,848	NUM
abrj-471	106	30	0,714	0,714	NUM
abrj-471	106	31	fat	fat	ADJ
abrj-471	106	32	4	4	NUM
abrj-471	106	33	0,800	0,800	NUM
abrj-471	106	34	0,694	0,694	NUM
abrj-471	106	35	fat	fat	ADJ
abrj-471	106	36	1	1	NUM
abrj-471	106	37	0,797	0,797	NUM
abrj-471	106	38	0,604	0,604	NUM
abrj-471	106	39	nor	nor	CCONJ
abrj-471	106	40	2	2	NUM
abrj-471	106	41	0,858	0,858	NUM
abrj-471	106	42	0,791	0,791	NUM
abrj-471	106	43	nor	nor	CCONJ
abrj-471	106	44	4	4	NUM
abrj-471	106	45	0,852	0,852	NUM
abrj-471	106	46	0,803	0,803	NUM
abrj-471	106	47	nor	nor	CCONJ
abrj-471	106	48	3	3	NUM
abrj-471	106	49	0,852	0,852	NUM
abrj-471	106	50	0,663	0,663	NUM
abrj-471	106	51	nor	nor	CCONJ
abrj-471	106	52	1	1	NUM
abrj-471	106	53	0,782	0,782	NUM
abrj-471	106	54	0,737	0,737	NUM
abrj-471	106	55	pbc1	pbc1	NOUN
abrj-471	106	56	0,821	0,821	NUM
abrj-471	106	57	0,734	0,734	NUM
abrj-471	106	58	pbc3	pbc3	NOUN
abrj-471	106	59	0,805	0,805	NUM
abrj-471	106	60	0,658	0,658	NUM
abrj-471	106	61	pbc2	pbc2	NOUN
abrj-471	106	62	0,782	0,782	NUM
abrj-471	106	63	0,762	0,762	NUM
abrj-471	106	64	pbc4	pbc4	NOUN
abrj-471	106	65	0,765	0,765	NUM
abrj-471	106	66	0,646	0,646	NUM
abrj-471	106	67	iuf	iuf	VERB
abrj-471	106	68	2	2	NUM
abrj-471	106	69	0,813	0,813	NUM
abrj-471	106	70	0,695	0,695	NUM
abrj-471	106	71	iuf	iuf	NOUN
abrj-471	106	72	1	1	NUM
abrj-471	106	73	0,765	0,765	NUM
abrj-471	106	74	0,737	0,737	NUM
abrj-471	106	75	iuf	iuf	VERB
abrj-471	106	76	3	3	NUM
abrj-471	106	77	0,745	0,745	NUM
abrj-471	106	78	0,734	0,734	NUM
abrj-471	106	79	iuf	iuf	VERB
abrj-471	106	80	4	4	NUM
abrj-471	106	81	0,744	0,744	NUM
abrj-471	106	82	0,658	0,658	NUM
abrj-471	106	83	first	first	ADV
abrj-471	106	84	eigenvalues	eigenvalue	VERB
abrj-471	106	85	5,660	5,660	NUM
abrj-471	106	86	2,798	2,798	NUM
abrj-471	106	87	1,574	1,574	NUM
abrj-471	106	88	1,202	1,202	NUM
abrj-471	106	89	1,061	1,061	NUM
abrj-471	106	90	total	total	ADJ
abrj-471	106	91	variance	variance	NOUN
abrj-471	106	92	%	%	NOUN
abrj-471	106	93	33,296	33,296	NUM
abrj-471	106	94	16,459	16,459	NUM
abrj-471	106	95	9,260	9,260	NUM
abrj-471	106	96	7,068	7,068	NUM
abrj-471	106	97	6,239	6,239	NUM
abrj-471	106	98	72,321	72,321	NUM
abrj-471	106	99	note	note	NOUN
abrj-471	106	100	:	:	PUNCT
abrj-471	106	101	kmo	kmo	PROPN
abrj-471	106	102	and	and	CCONJ
abrj-471	106	103	bartlett	bartlett	PROPN
abrj-471	106	104	's	's	PART
abrj-471	106	105	test	test	NOUN
abrj-471	106	106	:	:	PUNCT
abrj-471	106	107	kaiser	kaiser	PROPN
abrj-471	106	108	-	-	PUNCT
abrj-471	106	109	meyer	meyer	PROPN
abrj-471	106	110	-	-	PUNCT
abrj-471	106	111	olkin	olkin	ADJ
abrj-471	106	112	measure	measure	NOUN
abrj-471	106	113	:	:	PUNCT
abrj-471	106	114	0	0	NUM
abrj-471	106	115	,	,	PUNCT
abrj-471	106	116	875	875	NUM
abrj-471	106	117	;	;	PUNCT
abrj-471	106	118	chi	chi	NOUN
abrj-471	106	119	-	-	PUNCT
abrj-471	106	120	square	square	NOUN
abrj-471	106	121	:	:	PUNCT
abrj-471	106	122	8144	8144	NUM
abrj-471	106	123	;	;	PUNCT
abrj-471	106	124	df	df	PROPN
abrj-471	106	125	=	=	NUM
abrj-471	106	126	136	136	NUM
abrj-471	106	127	,	,	PUNCT
abrj-471	106	128	p	p	X
abrj-471	106	129	:	:	PUNCT
abrj-471	106	130	0,000	0,000	NUM
abrj-471	106	131	;	;	PUNCT
abrj-471	106	132	extraction	extraction	NOUN
abrj-471	106	133	method	method	NOUN
abrj-471	106	134	:	:	PUNCT
abrj-471	106	135	principal	principal	ADJ
abrj-471	106	136	component	component	NOUN
abrj-471	106	137	analysis	analysis	NOUN
abrj-471	106	138	.	.	PUNCT
abrj-471	107	1	rotation	rotation	NOUN
abrj-471	107	2	method	method	NOUN
abrj-471	107	3	:	:	PUNCT
abrj-471	107	4	varimax	varimax	PROPN
abrj-471	107	5	with	with	ADP
abrj-471	107	6	kaiser	kaiser	PROPN
abrj-471	107	7	normalization	normalization	PROPN
abrj-471	107	8	.	.	PUNCT
abrj-471	108	1	asian	asian	ADJ
abrj-471	108	2	business	business	PROPN
abrj-471	108	3	research	research	NOUN
abrj-471	108	4	journal	journal	NOUN
abrj-471	108	5	,	,	PUNCT
abrj-471	108	6	2025	2025	NUM
abrj-471	108	7	,	,	PUNCT
abrj-471	108	8	10(6	10(6	NUM
abrj-471	108	9	):	):	PUNCT
abrj-471	108	10	21	21	NUM
abrj-471	108	11	-	-	SYM
abrj-471	108	12	27	27	NUM
abrj-471	108	13	25	25	NUM
abrj-471	108	14	©	©	PROPN
abrj-471	108	15	2025	2025	NUM
abrj-471	108	16	by	by	ADP
abrj-471	108	17	the	the	DET
abrj-471	108	18	authors	author	NOUN
abrj-471	108	19	;	;	PUNCT
abrj-471	108	20	licensee	licensee	NOUN
abrj-471	108	21	eastern	eastern	ADJ
abrj-471	108	22	centre	centre	NOUN
abrj-471	108	23	of	of	ADP
abrj-471	108	24	science	science	NOUN
abrj-471	108	25	and	and	CCONJ
abrj-471	108	26	education	education	NOUN
abrj-471	108	27	,	,	PUNCT
abrj-471	108	28	usa	usa	PROPN
abrj-471	108	29	5.3	5.3	NUM
abrj-471	108	30	.	.	PUNCT
abrj-471	109	1	exploratory	exploratory	ADJ
abrj-471	109	2	factor	factor	NOUN
abrj-471	109	3	analysis	analysis	NOUN
abrj-471	109	4	(	(	PUNCT
abrj-471	109	5	efa	efa	PROPN
abrj-471	109	6	)	)	PUNCT
abrj-471	109	7	the	the	DET
abrj-471	109	8	paper	paper	NOUN
abrj-471	109	9	conducted	conduct	VERB
abrj-471	109	10	an	an	DET
abrj-471	109	11	exploratory	exploratory	ADJ
abrj-471	109	12	factor	factor	NOUN
abrj-471	109	13	analysis	analysis	NOUN
abrj-471	109	14	(	(	PUNCT
abrj-471	109	15	efa	efa	PROPN
abrj-471	109	16	)	)	PUNCT
abrj-471	109	17	on	on	ADP
abrj-471	109	18	five	five	NUM
abrj-471	109	19	scales	scale	NOUN
abrj-471	109	20	with	with	ADP
abrj-471	109	21	16	16	NUM
abrj-471	109	22	original	original	ADJ
abrj-471	109	23	variables	variable	NOUN
abrj-471	109	24	(	(	PUNCT
abrj-471	109	25	see	see	VERB
abrj-471	109	26	table	table	NOUN
abrj-471	109	27	3	3	NUM
abrj-471	109	28	)	)	PUNCT
abrj-471	109	29	.	.	PUNCT
abrj-471	110	1	the	the	DET
abrj-471	110	2	results	result	NOUN
abrj-471	110	3	show	show	VERB
abrj-471	110	4	these	these	DET
abrj-471	110	5	variables	variable	NOUN
abrj-471	110	6	grouped	group	VERB
abrj-471	110	7	into	into	ADP
abrj-471	110	8	five	five	NUM
abrj-471	110	9	factors	factor	NOUN
abrj-471	110	10	:	:	PUNCT
abrj-471	110	11	fat	fat	ADJ
abrj-471	110	12	(	(	PUNCT
abrj-471	110	13	4	4	NUM
abrj-471	110	14	items	item	NOUN
abrj-471	110	15	)	)	PUNCT
abrj-471	110	16	,	,	PUNCT
abrj-471	110	17	dfl	dfl	PROPN
abrj-471	110	18	(	(	PUNCT
abrj-471	110	19	4	4	NUM
abrj-471	110	20	items	item	NOUN
abrj-471	110	21	)	)	PUNCT
abrj-471	110	22	,	,	PUNCT
abrj-471	110	23	nor	nor	CCONJ
abrj-471	110	24	(	(	PUNCT
abrj-471	110	25	4	4	NUM
abrj-471	110	26	items	item	NOUN
abrj-471	110	27	)	)	PUNCT
abrj-471	110	28	,	,	PUNCT
abrj-471	110	29	pbt	pbt	X
abrj-471	110	30	(	(	PUNCT
abrj-471	110	31	4	4	NUM
abrj-471	110	32	items	item	NOUN
abrj-471	110	33	)	)	PUNCT
abrj-471	110	34	,	,	PUNCT
abrj-471	110	35	and	and	CCONJ
abrj-471	110	36	iuf	iuf	VERB
abrj-471	110	37	(	(	PUNCT
abrj-471	110	38	4	4	NUM
abrj-471	110	39	items	item	NOUN
abrj-471	110	40	)	)	PUNCT
abrj-471	110	41	.	.	PUNCT
abrj-471	111	1	all	all	DET
abrj-471	111	2	factor	factor	NOUN
abrj-471	111	3	loadings	loading	NOUN
abrj-471	111	4	exceed	exceed	VERB
abrj-471	111	5	0.5	0.5	NUM
abrj-471	111	6	,	,	PUNCT
abrj-471	111	7	and	and	CCONJ
abrj-471	111	8	all	all	DET
abrj-471	111	9	original	original	ADJ
abrj-471	111	10	items	item	NOUN
abrj-471	111	11	are	be	AUX
abrj-471	111	12	retained	retain	VERB
abrj-471	111	13	.	.	PUNCT
abrj-471	112	1	communalities	communalitie	NOUN
abrj-471	112	2	for	for	ADP
abrj-471	112	3	all	all	DET
abrj-471	112	4	items	item	NOUN
abrj-471	112	5	are	be	AUX
abrj-471	112	6	above	above	ADP
abrj-471	112	7	0.5	0.5	NUM
abrj-471	112	8	.	.	PUNCT
abrj-471	113	1	the	the	DET
abrj-471	113	2	total	total	ADJ
abrj-471	113	3	variance	variance	NOUN
abrj-471	113	4	explained	explain	VERB
abrj-471	113	5	by	by	ADP
abrj-471	113	6	the	the	DET
abrj-471	113	7	first	first	ADJ
abrj-471	113	8	five	five	NUM
abrj-471	113	9	eigenvalues	eigenvalue	NOUN
abrj-471	113	10	is	be	AUX
abrj-471	113	11	72.321	72.321	NUM
abrj-471	113	12	%	%	NOUN
abrj-471	113	13	.	.	PUNCT
abrj-471	114	1	5.3.1	5.3.1	X
abrj-471	114	2	.	.	PUNCT
abrj-471	114	3	confirmatory	confirmatory	NOUN
abrj-471	114	4	factor	factor	NOUN
abrj-471	114	5	analysis	analysis	NOUN
abrj-471	114	6	(	(	PUNCT
abrj-471	114	7	cfa	cfa	NOUN
abrj-471	114	8	)	)	PUNCT
abrj-471	114	9	the	the	DET
abrj-471	114	10	study	study	NOUN
abrj-471	114	11	continued	continue	VERB
abrj-471	114	12	to	to	PART
abrj-471	114	13	test	test	VERB
abrj-471	114	14	the	the	DET
abrj-471	114	15	confirmatory	confirmatory	NOUN
abrj-471	114	16	factors	factor	NOUN
abrj-471	114	17	analysis	analysis	NOUN
abrj-471	114	18	(	(	PUNCT
abrj-471	114	19	cfa	cfa	NOUN
abrj-471	114	20	)	)	PUNCT
abrj-471	114	21	through	through	ADP
abrj-471	114	22	testing	test	VERB
abrj-471	114	23	the	the	DET
abrj-471	114	24	correlation	correlation	NOUN
abrj-471	114	25	coefficient	coefficient	NOUN
abrj-471	114	26	,	,	PUNCT
abrj-471	114	27	convergence	convergence	NOUN
abrj-471	114	28	and	and	CCONJ
abrj-471	114	29	discrimination	discrimination	NOUN
abrj-471	114	30	presented	present	VERB
abrj-471	114	31	in	in	ADP
abrj-471	114	32	table	table	NOUN
abrj-471	114	33	4	4	NUM
abrj-471	114	34	.	.	PUNCT
abrj-471	115	1	the	the	DET
abrj-471	115	2	scales	scale	NOUN
abrj-471	115	3	all	all	PRON
abrj-471	115	4	met	meet	VERB
abrj-471	115	5	the	the	DET
abrj-471	115	6	cfa	cfa	PROPN
abrj-471	115	7	testing	testing	NOUN
abrj-471	115	8	standards	standard	NOUN
abrj-471	115	9	such	such	ADJ
abrj-471	115	10	as	as	ADP
abrj-471	115	11	the	the	DET
abrj-471	115	12	composite	composite	ADJ
abrj-471	115	13	reliability	reliability	NOUN
abrj-471	115	14	coefficient	coefficient	NOUN
abrj-471	115	15	(	(	PUNCT
abrj-471	115	16	cr	cr	NOUN
abrj-471	115	17	)	)	PUNCT
abrj-471	115	18	was	be	AUX
abrj-471	115	19	greater	great	ADJ
abrj-471	115	20	than	than	ADP
abrj-471	115	21	0.7	0.7	NUM
abrj-471	115	22	.	.	PUNCT
abrj-471	116	1	specifically	specifically	ADV
abrj-471	116	2	,	,	PUNCT
abrj-471	116	3	the	the	DET
abrj-471	116	4	intention	intention	NOUN
abrj-471	116	5	to	to	PART
abrj-471	116	6	use	use	VERB
abrj-471	116	7	fintech	fintech	NOUN
abrj-471	116	8	(	(	PUNCT
abrj-471	116	9	iuf	iuf	NOUN
abrj-471	116	10	)	)	PUNCT
abrj-471	116	11	had	have	VERB
abrj-471	116	12	a	a	DET
abrj-471	116	13	cr	cr	NOUN
abrj-471	116	14	coefficient	coefficient	NOUN
abrj-471	116	15	of	of	ADP
abrj-471	116	16	0.798	0.798	NUM
abrj-471	116	17	;	;	PUNCT
abrj-471	116	18	digital	digital	ADJ
abrj-471	116	19	financial	financial	ADJ
abrj-471	116	20	literacy	literacy	NOUN
abrj-471	116	21	(	(	PUNCT
abrj-471	116	22	dfl	dfl	PROPN
abrj-471	116	23	)	)	PUNCT
abrj-471	116	24	(	(	PUNCT
abrj-471	116	25	0.894	0.894	NUM
abrj-471	116	26	)	)	PUNCT
abrj-471	116	27	;	;	PUNCT
abrj-471	116	28	financial	financial	ADJ
abrj-471	116	29	attitude	attitude	NOUN
abrj-471	116	30	(	(	PUNCT
abrj-471	116	31	fat	fat	NOUN
abrj-471	116	32	)	)	PUNCT
abrj-471	116	33	(	(	PUNCT
abrj-471	116	34	0.889	0.889	NUM
abrj-471	116	35	)	)	PUNCT
abrj-471	116	36	;	;	PUNCT
abrj-471	116	37	subjective	subjective	ADJ
abrj-471	116	38	norm	norm	NOUN
abrj-471	116	39	(	(	PUNCT
abrj-471	116	40	nor	nor	CCONJ
abrj-471	116	41	)	)	PUNCT
abrj-471	116	42	(	(	PUNCT
abrj-471	116	43	0.843	0.843	NUM
abrj-471	116	44	)	)	PUNCT
abrj-471	116	45	and	and	CCONJ
abrj-471	116	46	perceived	perceive	VERB
abrj-471	116	47	behavioral	behavioral	ADJ
abrj-471	116	48	control	control	NOUN
abrj-471	116	49	(	(	PUNCT
abrj-471	116	50	pbc	pbc	PROPN
abrj-471	116	51	)	)	PUNCT
abrj-471	116	52	(	(	PUNCT
abrj-471	116	53	0.796	0.796	NUM
abrj-471	116	54	)	)	PUNCT
abrj-471	116	55	.	.	PUNCT
abrj-471	117	1	in	in	ADP
abrj-471	117	2	addition	addition	NOUN
abrj-471	117	3	,	,	PUNCT
abrj-471	117	4	related	relate	VERB
abrj-471	117	5	to	to	ADP
abrj-471	117	6	the	the	DET
abrj-471	117	7	convergence	convergence	NOUN
abrj-471	117	8	test	test	NOUN
abrj-471	117	9	,	,	PUNCT
abrj-471	117	10	the	the	DET
abrj-471	117	11	results	result	NOUN
abrj-471	117	12	showed	show	VERB
abrj-471	117	13	that	that	SCONJ
abrj-471	117	14	all	all	DET
abrj-471	117	15	5	5	NUM
abrj-471	117	16	scales	scale	NOUN
abrj-471	117	17	had	have	VERB
abrj-471	117	18	an	an	DET
abrj-471	117	19	average	average	ADJ
abrj-471	117	20	variance	variance	NOUN
abrj-471	117	21	extracted	extract	VERB
abrj-471	117	22	(	(	PUNCT
abrj-471	117	23	ave	ave	NOUN
abrj-471	117	24	)	)	PUNCT
abrj-471	117	25	greater	great	ADJ
abrj-471	117	26	than	than	ADP
abrj-471	117	27	0.5	0.5	NUM
abrj-471	117	28	.	.	PUNCT
abrj-471	118	1	testing	testing	NOUN
abrj-471	118	2	discrimination	discrimination	NOUN
abrj-471	119	1	,	,	PUNCT
abrj-471	119	2	the	the	DET
abrj-471	119	3	results	result	NOUN
abrj-471	119	4	also	also	ADV
abrj-471	119	5	presented	present	VERB
abrj-471	119	6	that	that	SCONJ
abrj-471	119	7	all	all	DET
abrj-471	119	8	5	5	NUM
abrj-471	119	9	scales	scale	NOUN
abrj-471	119	10	had	have	VERB
abrj-471	119	11	the	the	DET
abrj-471	119	12	maximum	maximum	ADJ
abrj-471	119	13	individual	individual	ADJ
abrj-471	119	14	variance	variance	NOUN
abrj-471	119	15	(	(	PUNCT
abrj-471	119	16	msv	msv	X
abrj-471	119	17	)	)	PUNCT
abrj-471	119	18	smaller	small	ADJ
abrj-471	119	19	than	than	ADP
abrj-471	119	20	ave	ave	PROPN
abrj-471	119	21	.	.	PUNCT
abrj-471	120	1	in	in	ADP
abrj-471	120	2	summary	summary	NOUN
abrj-471	120	3	,	,	PUNCT
abrj-471	120	4	based	base	VERB
abrj-471	120	5	on	on	ADP
abrj-471	120	6	the	the	DET
abrj-471	120	7	model	model	NOUN
abrj-471	120	8	fit	fit	NOUN
abrj-471	120	9	criteria	criterion	NOUN
abrj-471	120	10	(	(	PUNCT
abrj-471	120	11	hair	hair	NOUN
abrj-471	120	12	et	et	PROPN
abrj-471	120	13	al	al	PROPN
abrj-471	120	14	.	.	PROPN
abrj-471	120	15	,	,	PUNCT
abrj-471	120	16	2014	2014	NUM
abrj-471	120	17	)	)	PUNCT
abrj-471	120	18	,	,	PUNCT
abrj-471	120	19	all	all	DET
abrj-471	120	20	five	five	NUM
abrj-471	120	21	scales	scale	NOUN
abrj-471	120	22	met	meet	VERB
abrj-471	120	23	the	the	DET
abrj-471	120	24	specified	specify	VERB
abrj-471	120	25	criteria	criterion	NOUN
abrj-471	120	26	;	;	PUNCT
abrj-471	120	27	thus	thus	ADV
abrj-471	120	28	,	,	PUNCT
abrj-471	120	29	they	they	PRON
abrj-471	120	30	were	be	AUX
abrj-471	120	31	eligible	eligible	ADJ
abrj-471	120	32	to	to	PART
abrj-471	120	33	conduct	conduct	VERB
abrj-471	120	34	a	a	DET
abrj-471	120	35	structural	structural	ADJ
abrj-471	120	36	equation	equation	NOUN
abrj-471	120	37	modeling	modeling	NOUN
abrj-471	120	38	(	(	PUNCT
abrj-471	120	39	sem	sem	NOUN
abrj-471	120	40	)	)	PUNCT
abrj-471	120	41	test	test	NOUN
abrj-471	120	42	.	.	PUNCT
abrj-471	121	1	table	table	NOUN
abrj-471	121	2	4	4	NUM
abrj-471	121	3	.	.	PUNCT
abrj-471	122	1	cfa	cfa	PROPN
abrj-471	122	2	results	result	NOUN
abrj-471	122	3	.	.	PUNCT
abrj-471	123	1	scale	scale	NOUN
abrj-471	123	2	cr	cr	PROPN
abrj-471	123	3	ave	ave	PROPN
abrj-471	123	4	msv	msv	PROPN
abrj-471	123	5	correlation	correlation	NOUN
abrj-471	123	6	coefficient	coefficient	NOUN
abrj-471	123	7	1	1	NUM
abrj-471	123	8	2	2	NUM
abrj-471	123	9	3	3	NUM
abrj-471	123	10	4	4	NUM
abrj-471	123	11	5	5	NUM
abrj-471	123	12	1	1	NUM
abrj-471	123	13	.	.	PUNCT
abrj-471	123	14	iuf	iuf	VERB
abrj-471	123	15	0,798	0,798	NUM
abrj-471	123	16	0,587	0,587	NUM
abrj-471	123	17	0,371	0,371	NUM
abrj-471	123	18	0,764	0,764	NOUN
abrj-471	123	19	2	2	NUM
abrj-471	123	20	.	.	PUNCT
abrj-471	124	1	dfl	dfl	PROPN
abrj-471	124	2	0,894	0,894	NUM
abrj-471	124	3	0,556	0,556	NUM
abrj-471	124	4	0,371	0,371	NUM
abrj-471	124	5	0,609	0,609	NUM
abrj-471	124	6	0,776	0,776	NUM
abrj-471	124	7	3	3	NUM
abrj-471	124	8	.	.	PUNCT
abrj-471	124	9	fat	fat	ADJ
abrj-471	124	10	0,889	0,889	NUM
abrj-471	124	11	0,629	0,629	NUM
abrj-471	124	12	0,371	0,371	NUM
abrj-471	124	13	0,409	0,409	NUM
abrj-471	124	14	0,230	0,230	NUM
abrj-471	124	15	0,817	0,817	NUM
abrj-471	124	16	4	4	NUM
abrj-471	124	17	.	.	PUNCT
abrj-471	124	18	nor	nor	CCONJ
abrj-471	124	19	0,843	0,843	NUM
abrj-471	124	20	0,668	0,668	NUM
abrj-471	124	21	0,255	0,255	NUM
abrj-471	124	22	0,505	0,505	NUM
abrj-471	124	23	0,411	0,411	NUM
abrj-471	124	24	0,281	0,281	NUM
abrj-471	124	25	0,739	0,739	NUM
abrj-471	124	26	5	5	NUM
abrj-471	124	27	.	.	PUNCT
abrj-471	125	1	pbc	pbc	PROPN
abrj-471	125	2	0,796	0,796	NUM
abrj-471	125	3	0,571	0,571	NUM
abrj-471	126	1	0,371	0,371	NUM
abrj-471	126	2	0,324	0,324	NUM
abrj-471	126	3	0,189	0,189	NUM
abrj-471	126	4	0,609	0,609	NUM
abrj-471	126	5	0,228	0,228	NUM
abrj-471	126	6	0,765	0,765	NUM
abrj-471	126	7	note	note	NOUN
abrj-471	126	8	:	:	PUNCT
abrj-471	126	9	cr	cr	NUM
abrj-471	126	10	:	:	PUNCT
abrj-471	126	11	composite	composite	ADJ
abrj-471	126	12	correlation	correlation	NOUN
abrj-471	126	13	;	;	PUNCT
abrj-471	126	14	ave	ave	NOUN
abrj-471	126	15	:	:	PUNCT
abrj-471	126	16	average	average	ADJ
abrj-471	126	17	variance	variance	NOUN
abrj-471	126	18	extracted	extract	VERB
abrj-471	126	19	;	;	PUNCT
abrj-471	126	20	msv	msv	PROPN
abrj-471	126	21	:	:	PUNCT
abrj-471	126	22	maximum	maximum	ADJ
abrj-471	126	23	individual	individual	ADJ
abrj-471	126	24	variance	variance	NOUN
abrj-471	126	25	5.3.2	5.3.2	NUM
abrj-471	126	26	.	.	PUNCT
abrj-471	127	1	analysis	analysis	NOUN
abrj-471	127	2	of	of	ADP
abrj-471	127	3	factors	factor	NOUN
abrj-471	127	4	affecting	affect	VERB
abrj-471	127	5	the	the	DET
abrj-471	127	6	intention	intention	NOUN
abrj-471	127	7	to	to	PART
abrj-471	127	8	use	use	VERB
abrj-471	127	9	fintech	fintech	NOUN
abrj-471	127	10	services	service	NOUN
abrj-471	127	11	(	(	PUNCT
abrj-471	127	12	iuf	iuf	NOUN
abrj-471	127	13	)	)	PUNCT
abrj-471	127	14	the	the	DET
abrj-471	127	15	study	study	NOUN
abrj-471	127	16	examined	examine	VERB
abrj-471	127	17	the	the	DET
abrj-471	127	18	factors	factor	NOUN
abrj-471	127	19	affecting	affect	VERB
abrj-471	127	20	the	the	DET
abrj-471	127	21	intention	intention	NOUN
abrj-471	127	22	to	to	PART
abrj-471	127	23	use	use	VERB
abrj-471	127	24	fintech	fintech	NOUN
abrj-471	127	25	services	service	NOUN
abrj-471	127	26	.	.	PUNCT
abrj-471	128	1	the	the	DET
abrj-471	128	2	results	result	NOUN
abrj-471	128	3	are	be	AUX
abrj-471	128	4	presented	present	VERB
abrj-471	128	5	in	in	ADP
abrj-471	128	6	table	table	NOUN
abrj-471	128	7	5	5	NUM
abrj-471	128	8	.	.	NOUN
abrj-471	128	9	four	four	NUM
abrj-471	128	10	models	model	NOUN
abrj-471	128	11	and	and	CCONJ
abrj-471	128	12	three	three	NUM
abrj-471	128	13	methods	method	NOUN
abrj-471	128	14	were	be	AUX
abrj-471	128	15	used	use	VERB
abrj-471	128	16	:	:	PUNCT
abrj-471	128	17	structural	structural	ADJ
abrj-471	128	18	linear	linear	PROPN
abrj-471	128	19	model	model	NOUN
abrj-471	128	20	,	,	PUNCT
abrj-471	128	21	binary	binary	PROPN
abrj-471	128	22	logit	logit	PROPN
abrj-471	128	23	and	and	CCONJ
abrj-471	128	24	multivariate	multivariate	NOUN
abrj-471	128	25	regression	regression	NOUN
abrj-471	128	26	.	.	PUNCT
abrj-471	129	1	models	model	NOUN
abrj-471	129	2	1	1	NUM
abrj-471	129	3	-	-	SYM
abrj-471	129	4	3	3	NUM
abrj-471	129	5	only	only	ADV
abrj-471	129	6	tested	test	VERB
abrj-471	129	7	4	4	NUM
abrj-471	129	8	factors	factor	NOUN
abrj-471	129	9	including	include	VERB
abrj-471	129	10	digital	digital	ADJ
abrj-471	129	11	financial	financial	ADJ
abrj-471	129	12	literacy	literacy	NOUN
abrj-471	129	13	and	and	CCONJ
abrj-471	129	14	3	3	NUM
abrj-471	129	15	motivational	motivational	ADJ
abrj-471	129	16	factors	factor	NOUN
abrj-471	129	17	in	in	ADP
abrj-471	129	18	the	the	DET
abrj-471	129	19	theory	theory	NOUN
abrj-471	129	20	of	of	ADP
abrj-471	129	21	planned	plan	VERB
abrj-471	129	22	behavior	behavior	NOUN
abrj-471	129	23	.	.	PUNCT
abrj-471	130	1	model	model	PROPN
abrj-471	130	2	4	4	NUM
abrj-471	130	3	,	,	PUNCT
abrj-471	130	4	in	in	ADP
abrj-471	130	5	addition	addition	NOUN
abrj-471	130	6	to	to	ADP
abrj-471	130	7	the	the	DET
abrj-471	130	8	4	4	NUM
abrj-471	130	9	factors	factor	NOUN
abrj-471	130	10	as	as	ADP
abrj-471	130	11	in	in	ADP
abrj-471	130	12	model	model	NOUN
abrj-471	130	13	3	3	NUM
abrj-471	130	14	,	,	PUNCT
abrj-471	130	15	tested	test	VERB
abrj-471	130	16	demographic	demographic	ADJ
abrj-471	130	17	factors	factor	NOUN
abrj-471	130	18	.	.	PUNCT
abrj-471	131	1	model	model	NOUN
abrj-471	131	2	(	(	PUNCT
abrj-471	131	3	2	2	X
abrj-471	131	4	)	)	PUNCT
abrj-471	131	5	used	use	VERB
abrj-471	131	6	the	the	DET
abrj-471	131	7	binary	binary	PROPN
abrj-471	131	8	logit	logit	PROPN
abrj-471	131	9	method	method	NOUN
abrj-471	131	10	.	.	PUNCT
abrj-471	132	1	in	in	ADP
abrj-471	132	2	which	which	PRON
abrj-471	132	3	,	,	PUNCT
abrj-471	132	4	knowledge	knowledge	NOUN
abrj-471	132	5	was	be	AUX
abrj-471	132	6	coded	code	VERB
abrj-471	132	7	with	with	ADP
abrj-471	132	8	0	0	NUM
abrj-471	132	9	being	be	AUX
abrj-471	132	10	below	below	ADP
abrj-471	132	11	average	average	ADJ
abrj-471	132	12	knowledge	knowledge	NOUN
abrj-471	132	13	and	and	CCONJ
abrj-471	132	14	1	1	NUM
abrj-471	132	15	being	be	AUX
abrj-471	132	16	above	above	ADP
abrj-471	132	17	average	average	ADJ
abrj-471	132	18	knowledge	knowledge	NOUN
abrj-471	132	19	.	.	PUNCT
abrj-471	133	1	the	the	DET
abrj-471	133	2	results	result	NOUN
abrj-471	133	3	showed	show	VERB
abrj-471	133	4	that	that	SCONJ
abrj-471	133	5	knowledge	knowledge	NOUN
abrj-471	133	6	had	have	VERB
abrj-471	133	7	a	a	DET
abrj-471	133	8	positive	positive	ADJ
abrj-471	133	9	influence	influence	NOUN
abrj-471	133	10	on	on	ADP
abrj-471	133	11	intention	intention	NOUN
abrj-471	133	12	with	with	ADP
abrj-471	133	13	all	all	DET
abrj-471	133	14	4	4	NUM
abrj-471	133	15	models	model	NOUN
abrj-471	133	16	and	and	CCONJ
abrj-471	133	17	3	3	NUM
abrj-471	133	18	methods	method	NOUN
abrj-471	133	19	.	.	PUNCT
abrj-471	134	1	specifically	specifically	ADV
abrj-471	134	2	,	,	PUNCT
abrj-471	134	3	model	model	NOUN
abrj-471	134	4	(	(	PUNCT
abrj-471	134	5	1	1	NUM
abrj-471	134	6	)	)	PUNCT
abrj-471	134	7	,	,	PUNCT
abrj-471	134	8	the	the	DET
abrj-471	134	9	coefficient	coefficient	NOUN
abrj-471	134	10	of	of	ADP
abrj-471	134	11	0.484	0.484	NUM
abrj-471	134	12	*	*	PUNCT
abrj-471	134	13	*	*	PUNCT
abrj-471	134	14	*	*	PUNCT
abrj-471	134	15	between	between	ADP
abrj-471	134	16	digital	digital	ADJ
abrj-471	134	17	financial	financial	ADJ
abrj-471	134	18	literacy	literacy	NOUN
abrj-471	134	19	(	(	PUNCT
abrj-471	134	20	dfl	dfl	PROPN
abrj-471	134	21	)	)	PUNCT
abrj-471	134	22	and	and	CCONJ
abrj-471	134	23	intention	intention	NOUN
abrj-471	134	24	to	to	PART
abrj-471	134	25	use	use	VERB
abrj-471	134	26	fintech	fintech	NOUN
abrj-471	134	27	(	(	PUNCT
abrj-471	134	28	iuf	iuf	NOUN
abrj-471	134	29	)	)	PUNCT
abrj-471	134	30	means	mean	VERB
abrj-471	134	31	that	that	SCONJ
abrj-471	134	32	when	when	SCONJ
abrj-471	134	33	knowledge	knowledge	NOUN
abrj-471	134	34	increases	increase	VERB
abrj-471	134	35	by	by	ADP
abrj-471	134	36	1	1	NUM
abrj-471	134	37	unit	unit	NOUN
abrj-471	134	38	,	,	PUNCT
abrj-471	134	39	intention	intention	NOUN
abrj-471	134	40	increases	increase	NOUN
abrj-471	134	41	by	by	ADP
abrj-471	134	42	48.4	48.4	NUM
abrj-471	134	43	%	%	NOUN
abrj-471	134	44	.	.	PUNCT
abrj-471	135	1	similarly	similarly	ADV
abrj-471	135	2	,	,	PUNCT
abrj-471	135	3	models	model	NOUN
abrj-471	135	4	(	(	PUNCT
abrj-471	135	5	3	3	NUM
abrj-471	135	6	)	)	PUNCT
abrj-471	135	7	and	and	CCONJ
abrj-471	135	8	(	(	PUNCT
abrj-471	135	9	4	4	X
abrj-471	135	10	)	)	PUNCT
abrj-471	135	11	also	also	ADV
abrj-471	135	12	show	show	VERB
abrj-471	135	13	that	that	SCONJ
abrj-471	135	14	digital	digital	ADJ
abrj-471	135	15	financial	financial	ADJ
abrj-471	135	16	literacy	literacy	NOUN
abrj-471	135	17	(	(	PUNCT
abrj-471	135	18	dfl	dfl	PROPN
abrj-471	135	19	)	)	PUNCT
abrj-471	135	20	has	have	VERB
abrj-471	135	21	a	a	DET
abrj-471	135	22	positive	positive	ADJ
abrj-471	135	23	impact	impact	NOUN
abrj-471	135	24	on	on	ADP
abrj-471	135	25	intention	intention	NOUN
abrj-471	135	26	to	to	PART
abrj-471	135	27	use	use	VERB
abrj-471	135	28	fintech	fintech	NOUN
abrj-471	135	29	(	(	PUNCT
abrj-471	135	30	iuf	iuf	NOUN
abrj-471	135	31	)	)	PUNCT
abrj-471	135	32	at	at	ADP
abrj-471	135	33	0.312	0.312	NUM
abrj-471	135	34	*	*	PUNCT
abrj-471	135	35	*	*	PUNCT
abrj-471	135	36	*	*	PUNCT
abrj-471	135	37	and	and	CCONJ
abrj-471	135	38	0.235	0.235	NUM
abrj-471	135	39	*	*	PUNCT
abrj-471	135	40	*	*	PUNCT
abrj-471	135	41	*	*	PUNCT
abrj-471	135	42	respectively	respectively	ADV
abrj-471	135	43	.	.	PUNCT
abrj-471	136	1	model	model	NOUN
abrj-471	136	2	(	(	PUNCT
abrj-471	136	3	2	2	NUM
abrj-471	136	4	)	)	PUNCT
abrj-471	136	5	with	with	ADP
abrj-471	136	6	the	the	DET
abrj-471	136	7	binary	binary	PROPN
abrj-471	136	8	logit	logit	PROPN
abrj-471	136	9	method	method	NOUN
abrj-471	136	10	shows	show	VERB
abrj-471	136	11	a	a	DET
abrj-471	136	12	coefficient	coefficient	NOUN
abrj-471	136	13	of	of	ADP
abrj-471	136	14	1.046	1.046	NUM
abrj-471	136	15	*	*	NOUN
abrj-471	136	16	*	*	PUNCT
abrj-471	136	17	*	*	PUNCT
abrj-471	136	18	;	;	PUNCT
abrj-471	136	19	meaning	mean	VERB
abrj-471	136	20	that	that	SCONJ
abrj-471	136	21	students	student	NOUN
abrj-471	136	22	with	with	ADP
abrj-471	136	23	higher	high	ADJ
abrj-471	136	24	than	than	SCONJ
abrj-471	136	25	average	average	ADJ
abrj-471	136	26	digital	digital	ADJ
abrj-471	136	27	financial	financial	ADJ
abrj-471	136	28	literacy	literacy	NOUN
abrj-471	136	29	have	have	VERB
abrj-471	136	30	higher	high	ADJ
abrj-471	136	31	intention	intention	NOUN
abrj-471	136	32	to	to	PART
abrj-471	136	33	use	use	VERB
abrj-471	136	34	fintech	fintech	NOUN
abrj-471	136	35	(	(	PUNCT
abrj-471	136	36	iuf	iuf	NOUN
abrj-471	136	37	)	)	PUNCT
abrj-471	136	38	than	than	ADP
abrj-471	136	39	students	student	NOUN
abrj-471	136	40	with	with	ADP
abrj-471	136	41	below	below	ADP
abrj-471	136	42	average	average	ADJ
abrj-471	136	43	knowledge	knowledge	NOUN
abrj-471	136	44	.	.	PUNCT
abrj-471	137	1	regarding	regard	VERB
abrj-471	137	2	the	the	DET
abrj-471	137	3	three	three	NUM
abrj-471	137	4	control	control	NOUN
abrj-471	137	5	factors	factor	NOUN
abrj-471	137	6	,	,	PUNCT
abrj-471	137	7	the	the	DET
abrj-471	137	8	results	result	NOUN
abrj-471	137	9	show	show	VERB
abrj-471	137	10	that	that	SCONJ
abrj-471	137	11	financial	financial	ADJ
abrj-471	137	12	attitude	attitude	NOUN
abrj-471	137	13	(	(	PUNCT
abrj-471	137	14	fat	fat	NOUN
abrj-471	137	15	)	)	PUNCT
abrj-471	137	16	has	have	VERB
abrj-471	137	17	a	a	DET
abrj-471	137	18	direct	direct	ADJ
abrj-471	137	19	impact	impact	NOUN
abrj-471	137	20	on	on	ADP
abrj-471	137	21	intention	intention	NOUN
abrj-471	137	22	to	to	PART
abrj-471	137	23	use	use	VERB
abrj-471	137	24	fintech	fintech	NOUN
abrj-471	137	25	(	(	PUNCT
abrj-471	137	26	iuf	iuf	NOUN
abrj-471	137	27	)	)	PUNCT
abrj-471	137	28	(	(	PUNCT
abrj-471	137	29	see	see	VERB
abrj-471	137	30	the	the	DET
abrj-471	137	31	coefficient	coefficient	NOUN
abrj-471	137	32	of	of	ADP
abrj-471	137	33	0.024	0.024	NUM
abrj-471	137	34	*	*	NOUN
abrj-471	137	35	*	*	PUNCT
abrj-471	137	36	*	*	PUNCT
abrj-471	137	37	with	with	ADP
abrj-471	137	38	a	a	DET
abrj-471	137	39	significance	significance	NOUN
abrj-471	137	40	level	level	NOUN
abrj-471	137	41	of	of	ADP
abrj-471	137	42	99	99	NUM
abrj-471	137	43	%	%	NOUN
abrj-471	137	44	)	)	PUNCT
abrj-471	137	45	.	.	PUNCT
abrj-471	138	1	however	however	ADV
abrj-471	138	2	,	,	PUNCT
abrj-471	138	3	subjective	subjective	ADJ
abrj-471	138	4	norm	norm	NOUN
abrj-471	138	5	(	(	PUNCT
abrj-471	138	6	nor	nor	CCONJ
abrj-471	138	7	)	)	PUNCT
abrj-471	138	8	has	have	VERB
abrj-471	138	9	a	a	DET
abrj-471	138	10	direct	direct	ADJ
abrj-471	138	11	impact	impact	NOUN
abrj-471	138	12	on	on	ADP
abrj-471	138	13	intention	intention	NOUN
abrj-471	138	14	to	to	PART
abrj-471	138	15	use	use	VERB
abrj-471	138	16	fintech	fintech	NOUN
abrj-471	138	17	(	(	PUNCT
abrj-471	138	18	iuf	iuf	NOUN
abrj-471	138	19	)	)	PUNCT
abrj-471	138	20	with	with	ADP
abrj-471	138	21	a	a	DET
abrj-471	138	22	coefficient	coefficient	NOUN
abrj-471	138	23	of	of	ADP
abrj-471	138	24	0.018	0.018	NUM
abrj-471	138	25	*	*	PUNCT
abrj-471	138	26	*	*	PUNCT
abrj-471	138	27	*	*	NOUN
abrj-471	138	28	.	.	PUNCT
abrj-471	139	1	in	in	ADP
abrj-471	139	2	contrast	contrast	NOUN
abrj-471	139	3	,	,	PUNCT
abrj-471	139	4	perceived	perceive	VERB
abrj-471	139	5	behavioral	behavioral	ADJ
abrj-471	139	6	control	control	NOUN
abrj-471	139	7	(	(	PUNCT
abrj-471	139	8	pbc	pbc	PROPN
abrj-471	139	9	)	)	PUNCT
abrj-471	139	10	has	have	VERB
abrj-471	139	11	no	no	DET
abrj-471	139	12	direct	direct	ADJ
abrj-471	139	13	effect	effect	NOUN
abrj-471	139	14	on	on	ADP
abrj-471	139	15	intention	intention	NOUN
abrj-471	139	16	to	to	PART
abrj-471	139	17	use	use	VERB
abrj-471	139	18	fintech	fintech	NOUN
abrj-471	139	19	(	(	PUNCT
abrj-471	139	20	iuf	iuf	NOUN
abrj-471	139	21	)	)	PUNCT
abrj-471	139	22	.	.	PUNCT
abrj-471	140	1	table	table	NOUN
abrj-471	140	2	5	5	NUM
abrj-471	140	3	.	.	PUNCT
abrj-471	141	1	factors	factor	NOUN
abrj-471	141	2	affecting	affect	VERB
abrj-471	141	3	fintech	fintech	NOUN
abrj-471	141	4	usage	usage	NOUN
abrj-471	141	5	intention	intention	NOUN
abrj-471	141	6	(	(	PUNCT
abrj-471	141	7	iuf	iuf	NOUN
abrj-471	141	8	)	)	PUNCT
abrj-471	141	9	.	.	PUNCT
abrj-471	142	1	sem	sem	PROPN
abrj-471	142	2	(	(	PUNCT
abrj-471	142	3	1	1	NUM
abrj-471	142	4	)	)	PUNCT
abrj-471	142	5	binary	binary	NOUN
abrj-471	142	6	logit	logit	PROPN
abrj-471	142	7	(	(	PUNCT
abrj-471	142	8	2	2	NUM
abrj-471	142	9	)	)	PUNCT
abrj-471	142	10	ols	ol	NOUN
abrj-471	142	11	(	(	PUNCT
abrj-471	142	12	3	3	X
abrj-471	142	13	)	)	PUNCT
abrj-471	142	14	ols	ol	NOUN
abrj-471	142	15	(	(	PUNCT
abrj-471	142	16	4	4	X
abrj-471	142	17	)	)	PUNCT
abrj-471	142	18	dfl	dfl	PROPN
abrj-471	142	19	(	(	PUNCT
abrj-471	142	20	digital	digital	ADJ
abrj-471	142	21	financial	financial	ADJ
abrj-471	142	22	literacy	literacy	NOUN
abrj-471	142	23	)	)	PUNCT
abrj-471	142	24	0,484	0,484	NUM
abrj-471	143	1	*	*	PUNCT
abrj-471	143	2	*	*	PUNCT
abrj-471	143	3	*	*	PUNCT
abrj-471	143	4	(	(	PUNCT
abrj-471	143	5	11,143	11,143	NUM
abrj-471	143	6	)	)	PUNCT
abrj-471	143	7	0,312	0,312	NUM
abrj-471	144	1	*	*	PUNCT
abrj-471	144	2	*	*	PUNCT
abrj-471	144	3	*	*	PUNCT
abrj-471	144	4	(	(	PUNCT
abrj-471	144	5	13,593	13,593	NUM
abrj-471	144	6	)	)	PUNCT
abrj-471	144	7	0,235	0,235	NUM
abrj-471	144	8	*	*	PUNCT
abrj-471	144	9	*	*	PUNCT
abrj-471	144	10	*	*	PUNCT
abrj-471	144	11	(	(	PUNCT
abrj-471	144	12	10,324	10,324	NUM
abrj-471	144	13	)	)	PUNCT
abrj-471	144	14	dfl	dfl	PROPN
abrj-471	144	15	=	=	NOUN
abrj-471	144	16	1	1	NUM
abrj-471	144	17	1,046	1,046	NUM
abrj-471	144	18	*	*	PUNCT
abrj-471	144	19	*	*	PUNCT
abrj-471	144	20	*	*	PUNCT
abrj-471	144	21	(	(	PUNCT
abrj-471	144	22	53,314	53,314	NUM
abrj-471	144	23	)	)	PUNCT
abrj-471	144	24	fat	fat	NOUN
abrj-471	144	25	(	(	PUNCT
abrj-471	144	26	financial	financial	ADJ
abrj-471	144	27	attitude	attitude	NOUN
abrj-471	144	28	)	)	PUNCT
abrj-471	144	29	0,24	0,24	NOUN
abrj-471	145	1	*	*	PUNCT
abrj-471	145	2	*	*	PUNCT
abrj-471	145	3	*	*	PUNCT
abrj-471	145	4	(	(	PUNCT
abrj-471	145	5	4,620	4,620	NUM
abrj-471	145	6	)	)	PUNCT
abrj-471	145	7	0,213	0,213	NUM
abrj-471	146	1	*	*	PUNCT
abrj-471	146	2	*	*	PUNCT
abrj-471	146	3	*	*	PUNCT
abrj-471	146	4	(	(	PUNCT
abrj-471	146	5	6,118	6,118	NUM
abrj-471	146	6	)	)	PUNCT
abrj-471	146	7	0,219	0,219	NUM
abrj-471	146	8	*	*	PUNCT
abrj-471	146	9	*	*	PUNCT
abrj-471	146	10	*	*	PUNCT
abrj-471	146	11	(	(	PUNCT
abrj-471	146	12	5,731	5,731	NUM
abrj-471	146	13	)	)	PUNCT
abrj-471	146	14	fat	fat	NOUN
abrj-471	146	15	=	=	NOUN
abrj-471	146	16	1	1	NUM
abrj-471	146	17	0,823	0,823	NUM
abrj-471	146	18	*	*	PUNCT
abrj-471	146	19	*	*	PUNCT
abrj-471	146	20	*	*	PUNCT
abrj-471	146	21	(	(	PUNCT
abrj-471	146	22	29,451	29,451	NUM
abrj-471	146	23	)	)	PUNCT
abrj-471	146	24	nor	nor	CCONJ
abrj-471	146	25	(	(	PUNCT
abrj-471	146	26	subjective	subjective	ADJ
abrj-471	146	27	norms	norm	NOUN
abrj-471	146	28	)	)	PUNCT
abrj-471	146	29	0,18	0,18	PUNCT
abrj-471	147	1	*	*	PUNCT
abrj-471	147	2	*	*	PUNCT
abrj-471	147	3	*	*	PUNCT
abrj-471	147	4	(	(	PUNCT
abrj-471	147	5	6,843	6,843	NUM
abrj-471	147	6	)	)	PUNCT
abrj-471	147	7	0,182	0,182	NOUN
abrj-471	148	1	*	*	PUNCT
abrj-471	148	2	*	*	PUNCT
abrj-471	148	3	*	*	PUNCT
abrj-471	148	4	(	(	PUNCT
abrj-471	148	5	8,582	8,582	NUM
abrj-471	148	6	)	)	PUNCT
abrj-471	148	7	0,193	0,193	NUM
abrj-471	149	1	*	*	PUNCT
abrj-471	149	2	*	*	PUNCT
abrj-471	149	3	*	*	PUNCT
abrj-471	149	4	(	(	PUNCT
abrj-471	149	5	8,991	8,991	NUM
abrj-471	149	6	)	)	PUNCT
abrj-471	149	7	nor	nor	CCONJ
abrj-471	149	8	=	=	SYM
abrj-471	149	9	1	1	NUM
abrj-471	149	10	0,865	0,865	NUM
abrj-471	149	11	*	*	PUNCT
abrj-471	149	12	*	*	PUNCT
abrj-471	149	13	*	*	PUNCT
abrj-471	149	14	(	(	PUNCT
abrj-471	149	15	37,625	37,625	NUM
abrj-471	149	16	)	)	PUNCT
abrj-471	149	17	pbc	pbc	PROPN
abrj-471	149	18	(	(	PUNCT
abrj-471	149	19	perceived	perceive	VERB
abrj-471	149	20	behavioral	behavioral	ADJ
abrj-471	149	21	control	control	NOUN
abrj-471	149	22	)	)	PUNCT
abrj-471	149	23	0,067	0,067	NUM
abrj-471	149	24	(	(	PUNCT
abrj-471	149	25	1,42	1,42	NUM
abrj-471	149	26	)	)	PUNCT
abrj-471	149	27	0,087	0,087	NUM
abrj-471	150	1	*	*	PUNCT
abrj-471	150	2	*	*	PUNCT
abrj-471	150	3	(	(	PUNCT
abrj-471	150	4	2,311	2,311	NUM
abrj-471	150	5	)	)	PUNCT
abrj-471	150	6	0,053	0,053	NUM
abrj-471	150	7	(	(	PUNCT
abrj-471	150	8	1,451	1,451	NUM
abrj-471	150	9	)	)	PUNCT
abrj-471	150	10	pbc	pbc	PROPN
abrj-471	150	11	=	=	NOUN
abrj-471	150	12	1	1	NUM
abrj-471	150	13	0,185	0,185	NUM
abrj-471	150	14	(	(	PUNCT
abrj-471	150	15	1,423	1,423	NUM
abrj-471	150	16	)	)	PUNCT
abrj-471	150	17	gender	gender	NOUN
abrj-471	150	18	(	(	PUNCT
abrj-471	150	19	male	male	NOUN
abrj-471	150	20	=	=	NOUN
abrj-471	150	21	1	1	NUM
abrj-471	150	22	)	)	PUNCT
abrj-471	150	23	-0,045	-0,045	NOUN
abrj-471	150	24	(	(	PUNCT
abrj-471	150	25	-1,03	-1,03	NOUN
abrj-471	150	26	)	)	PUNCT
abrj-471	150	27	block	block	NOUN
abrj-471	150	28	number	number	NOUN
abrj-471	150	29	-1.541	-1.541	PROPN
abrj-471	150	30	*	*	PUNCT
abrj-471	151	1	*	*	PUNCT
abrj-471	151	2	*	*	PUNCT
abrj-471	151	3	0,684	0,684	PUNCT
abrj-471	151	4	*	*	PUNCT
abrj-471	151	5	*	*	PUNCT
abrj-471	151	6	*	*	PUNCT
abrj-471	151	7	0,581	0,581	NUM
abrj-471	151	8	*	*	PUNCT
abrj-471	151	9	*	*	PUNCT
abrj-471	151	10	*	*	PUNCT
abrj-471	151	11	r2	r2	PROPN
abrj-471	151	12	/	/	SYM
abrj-471	151	13	r2	r2	PROPN
abrj-471	151	14	adjustable	adjustable	ADJ
abrj-471	151	15	0,516	0,516	NUM
abrj-471	151	16	0,241	0,241	NUM
abrj-471	151	17	0,372	0,372	NUM
abrj-471	152	1	0,420	0,420	NUM
abrj-471	153	1	chi	chi	ADJ
abrj-471	153	2	-	-	PUNCT
abrj-471	153	3	square	square	ADJ
abrj-471	153	4	coefficient/	coefficient/	NUM
abrj-471	153	5	-2	-2	NOUN
abrj-471	153	6	log	log	PROPN
abrj-471	153	7	likelihood	likelihood	NOUN
abrj-471	153	8	/changed	/changed	ADP
abrj-471	154	1	f	f	PROPN
abrj-471	154	2	coefficient	coefficient	VERB
abrj-471	154	3	314	314	NUM
abrj-471	154	4	1183,54	1183,54	NUM
abrj-471	154	5	145,681	145,681	NUM
abrj-471	154	6	68,078	68,078	NUM
abrj-471	154	7	*	*	PUNCT
abrj-471	154	8	*	*	PUNCT
abrj-471	154	9	*	*	NOUN
abrj-471	154	10	degrees	degree	NOUN
abrj-471	154	11	of	of	ADP
abrj-471	154	12	freedom	freedom	NOUN
abrj-471	154	13	122	122	NUM
abrj-471	154	14	1	1	NUM
abrj-471	154	15	4	4	NUM
abrj-471	154	16	10	10	NUM
abrj-471	154	17	note	note	NOUN
abrj-471	154	18	:	:	PUNCT
abrj-471	154	19	*	*	PUNCT
abrj-471	154	20	*	*	PUNCT
abrj-471	154	21	*	*	PUNCT
abrj-471	154	22	:	:	PUNCT
abrj-471	154	23	p<1	p<1	ADJ
abrj-471	154	24	%	%	NOUN
abrj-471	154	25	;	;	PUNCT
abrj-471	154	26	*	*	PUNCT
abrj-471	155	1	*	*	PUNCT
abrj-471	155	2	:	:	PUNCT
abrj-471	155	3	p<5	p<5	NOUN
abrj-471	155	4	%	%	NOUN
abrj-471	155	5	;	;	PUNCT
abrj-471	155	6	*	*	PUNCT
abrj-471	155	7	:	:	PUNCT
abrj-471	155	8	p<10	p<10	NOUN
abrj-471	155	9	%	%	NOUN
abrj-471	155	10	.	.	PUNCT
abrj-471	156	1	dependent	dependent	ADJ
abrj-471	156	2	variable	variable	NOUN
abrj-471	156	3	:	:	PUNCT
abrj-471	156	4	intention	intention	NOUN
abrj-471	156	5	to	to	PART
abrj-471	156	6	use	use	VERB
abrj-471	156	7	fintech	fintech	NOUN
abrj-471	156	8	services	service	NOUN
abrj-471	156	9	(	(	PUNCT
abrj-471	156	10	ydinh	ydinh	NOUN
abrj-471	156	11	)	)	PUNCT
abrj-471	156	12	.	.	PUNCT
abrj-471	157	1	model	model	PROPN
abrj-471	157	2	fit	fit	PROPN
abrj-471	157	3	sem	sem	PROPN
abrj-471	157	4	:	:	PUNCT
abrj-471	157	5	chi	chi	ADJ
abrj-471	157	6	-	-	PUNCT
abrj-471	157	7	square	square	NOUN
abrj-471	157	8	=	=	SYM
abrj-471	157	9	312.144	312.144	NUM
abrj-471	157	10	;	;	PUNCT
abrj-471	157	11	df	df	PROPN
abrj-471	157	12	=	=	SYM
abrj-471	157	13	122	122	NUM
abrj-471	157	14	;	;	PUNCT
abrj-471	157	15	p	p	X
abrj-471	157	16	=	=	NOUN
abrj-471	157	17	0.000	0.000	NUM
abrj-471	157	18	;	;	PUNCT
abrj-471	157	19	gfi	gfi	PROPN
abrj-471	157	20	=	=	PROPN
abrj-471	157	21	0.965	0.965	NUM
abrj-471	157	22	;	;	PUNCT
abrj-471	157	23	tli	tli	X
abrj-471	157	24	=	=	PUNCT
abrj-471	157	25	0.972	0.972	NUM
abrj-471	157	26	;	;	PUNCT
abrj-471	157	27	rmsea	rmsea	NOUN
abrj-471	157	28	=	=	NUM
abrj-471	157	29	0.039	0.039	NUM
abrj-471	157	30	.	.	PUNCT
abrj-471	158	1	asian	asian	ADJ
abrj-471	158	2	business	business	PROPN
abrj-471	158	3	research	research	NOUN
abrj-471	158	4	journal	journal	NOUN
abrj-471	158	5	,	,	PUNCT
abrj-471	158	6	2025	2025	NUM
abrj-471	158	7	,	,	PUNCT
abrj-471	158	8	10(6	10(6	NUM
abrj-471	158	9	):	):	PUNCT
abrj-471	158	10	21	21	NUM
abrj-471	158	11	-	-	SYM
abrj-471	158	12	27	27	NUM
abrj-471	158	13	26	26	NUM
abrj-471	158	14	©	©	ADP
abrj-471	158	15	2025	2025	NUM
abrj-471	158	16	by	by	ADP
abrj-471	158	17	the	the	DET
abrj-471	158	18	authors	author	NOUN
abrj-471	158	19	;	;	PUNCT
abrj-471	158	20	licensee	licensee	NOUN
abrj-471	158	21	eastern	eastern	ADJ
abrj-471	158	22	centre	centre	NOUN
abrj-471	158	23	of	of	ADP
abrj-471	158	24	science	science	NOUN
abrj-471	158	25	and	and	CCONJ
abrj-471	158	26	education	education	NOUN
abrj-471	158	27	,	,	PUNCT
abrj-471	158	28	usa	usa	PROPN
abrj-471	158	29	the	the	DET
abrj-471	158	30	study	study	NOUN
abrj-471	158	31	found	find	VERB
abrj-471	158	32	the	the	DET
abrj-471	158	33	influence	influence	NOUN
abrj-471	158	34	of	of	ADP
abrj-471	158	35	digital	digital	ADJ
abrj-471	158	36	financial	financial	ADJ
abrj-471	158	37	literacy	literacy	NOUN
abrj-471	158	38	on	on	ADP
abrj-471	158	39	the	the	DET
abrj-471	158	40	intention	intention	NOUN
abrj-471	158	41	to	to	PART
abrj-471	158	42	use	use	VERB
abrj-471	158	43	fintech	fintech	NOUN
abrj-471	158	44	services	service	NOUN
abrj-471	158	45	.	.	PUNCT
abrj-471	159	1	therefore	therefore	ADV
abrj-471	159	2	,	,	PUNCT
abrj-471	159	3	three	three	NUM
abrj-471	159	4	hypotheses	hypothesis	NOUN
abrj-471	159	5	h1	h1	ADJ
abrj-471	159	6	,	,	PUNCT
abrj-471	159	7	h2	h2	PROPN
abrj-471	159	8	,	,	PUNCT
abrj-471	159	9	h3	h3	NOUN
abrj-471	159	10	were	be	AUX
abrj-471	159	11	accepted	accept	VERB
abrj-471	159	12	and	and	CCONJ
abrj-471	159	13	hypothesis	hypothesis	NOUN
abrj-471	159	14	h4	h4	PROPN
abrj-471	159	15	was	be	AUX
abrj-471	159	16	rejected	reject	VERB
abrj-471	159	17	.	.	PUNCT
abrj-471	160	1	the	the	DET
abrj-471	160	2	results	result	NOUN
abrj-471	160	3	of	of	ADP
abrj-471	160	4	the	the	DET
abrj-471	160	5	study	study	NOUN
abrj-471	160	6	are	be	AUX
abrj-471	160	7	consistent	consistent	ADJ
abrj-471	160	8	with	with	ADP
abrj-471	160	9	the	the	DET
abrj-471	160	10	goal	goal	NOUN
abrj-471	160	11	-	-	PUNCT
abrj-471	160	12	setting	set	VERB
abrj-471	160	13	theory	theory	NOUN
abrj-471	160	14	(	(	PUNCT
abrj-471	160	15	lindenberg	lindenberg	PROPN
abrj-471	160	16	&	&	CCONJ
abrj-471	160	17	steg	steg	PROPN
abrj-471	160	18	,	,	PUNCT
abrj-471	160	19	2007	2007	NUM
abrj-471	160	20	)	)	PUNCT
abrj-471	160	21	and	and	CCONJ
abrj-471	160	22	the	the	DET
abrj-471	160	23	tpb	tpb	NOUN
abrj-471	160	24	(	(	PUNCT
abrj-471	160	25	ajzen	ajzen	NOUN
abrj-471	160	26	,	,	PUNCT
abrj-471	160	27	1991	1991	NUM
abrj-471	160	28	;	;	PUNCT
abrj-471	160	29	fishbein	fishbein	PROPN
abrj-471	160	30	&	&	CCONJ
abrj-471	160	31	ajzen	ajzen	PROPN
abrj-471	160	32	,	,	PUNCT
abrj-471	160	33	1975	1975	NUM
abrj-471	160	34	)	)	PUNCT
abrj-471	160	35	.	.	PUNCT
abrj-471	161	1	the	the	DET
abrj-471	161	2	results	result	NOUN
abrj-471	161	3	imply	imply	VERB
abrj-471	161	4	that	that	SCONJ
abrj-471	161	5	digital	digital	ADJ
abrj-471	161	6	financial	financial	ADJ
abrj-471	161	7	literacy	literacy	NOUN
abrj-471	161	8	helps	help	VERB
abrj-471	161	9	individuals	individual	NOUN
abrj-471	161	10	to	to	PART
abrj-471	161	11	clearly	clearly	ADV
abrj-471	161	12	define	define	VERB
abrj-471	161	13	goals	goal	NOUN
abrj-471	161	14	(	(	PUNCT
abrj-471	161	15	that	that	PRON
abrj-471	161	16	is	is	ADV
abrj-471	161	17	,	,	PUNCT
abrj-471	161	18	the	the	DET
abrj-471	161	19	intention	intention	NOUN
abrj-471	161	20	to	to	PART
abrj-471	161	21	use	use	VERB
abrj-471	161	22	fintech	fintech	NOUN
abrj-471	161	23	services	service	NOUN
abrj-471	161	24	)	)	PUNCT
abrj-471	161	25	,	,	PUNCT
abrj-471	161	26	and	and	CCONJ
abrj-471	161	27	the	the	PRON
abrj-471	161	28	higher	high	ADJ
abrj-471	161	29	the	the	DET
abrj-471	161	30	digital	digital	ADJ
abrj-471	161	31	financial	financial	ADJ
abrj-471	161	32	literacy	literacy	NOUN
abrj-471	161	33	,	,	PUNCT
abrj-471	161	34	the	the	PRON
abrj-471	161	35	higher	high	ADJ
abrj-471	161	36	the	the	DET
abrj-471	161	37	intention	intention	NOUN
abrj-471	161	38	to	to	PART
abrj-471	161	39	use	use	VERB
abrj-471	161	40	fintech	fintech	NOUN
abrj-471	161	41	services	service	NOUN
abrj-471	161	42	.	.	PUNCT
abrj-471	162	1	some	some	DET
abrj-471	162	2	studies	study	NOUN
abrj-471	162	3	in	in	ADP
abrj-471	162	4	the	the	DET
abrj-471	162	5	world	world	NOUN
abrj-471	162	6	such	such	ADJ
abrj-471	162	7	as	as	SCONJ
abrj-471	162	8	have	have	AUX
abrj-471	162	9	found	find	VERB
abrj-471	162	10	a	a	DET
abrj-471	162	11	relationship	relationship	NOUN
abrj-471	162	12	between	between	ADP
abrj-471	162	13	financial	financial	ADJ
abrj-471	162	14	knowledge	knowledge	NOUN
abrj-471	162	15	and	and	CCONJ
abrj-471	162	16	financial	financial	ADJ
abrj-471	162	17	decisions	decision	NOUN
abrj-471	162	18	in	in	ADP
abrj-471	162	19	india	india	PROPN
abrj-471	162	20	(	(	PUNCT
abrj-471	162	21	kumar	kumar	PROPN
abrj-471	162	22	et	et	PROPN
abrj-471	162	23	al	al	PROPN
abrj-471	162	24	.	.	PROPN
abrj-471	162	25	,	,	PUNCT
abrj-471	162	26	2023	2023	NUM
abrj-471	162	27	)	)	PUNCT
abrj-471	162	28	.	.	PUNCT
abrj-471	163	1	household	household	NOUN
abrj-471	163	2	knowledge	knowledge	NOUN
abrj-471	163	3	in	in	ADP
abrj-471	163	4	india	india	PROPN
abrj-471	163	5	(	(	PUNCT
abrj-471	163	6	prasad	prasad	PROPN
abrj-471	163	7	et	et	PROPN
abrj-471	163	8	al	al	PROPN
abrj-471	163	9	.	.	PROPN
abrj-471	163	10	,	,	PUNCT
abrj-471	163	11	2018	2018	NUM
abrj-471	163	12	)	)	PUNCT
abrj-471	163	13	and	and	CCONJ
abrj-471	163	14	indonesia	indonesia	PROPN
abrj-471	163	15	(	(	PUNCT
abrj-471	163	16	setiawan	setiawan	X
abrj-471	163	17	et	et	PROPN
abrj-471	163	18	al	al	PROPN
abrj-471	163	19	.	.	PROPN
abrj-471	163	20	,	,	PUNCT
abrj-471	163	21	2022	2022	NUM
abrj-471	163	22	)	)	PUNCT
abrj-471	163	23	.	.	PUNCT
abrj-471	164	1	therefore	therefore	ADV
abrj-471	164	2	,	,	PUNCT
abrj-471	164	3	the	the	DET
abrj-471	164	4	results	result	NOUN
abrj-471	164	5	of	of	ADP
abrj-471	164	6	the	the	DET
abrj-471	164	7	study	study	NOUN
abrj-471	164	8	in	in	ADP
abrj-471	164	9	vietnam	vietnam	PROPN
abrj-471	164	10	contribute	contribute	VERB
abrj-471	164	11	to	to	ADP
abrj-471	164	12	the	the	DET
abrj-471	164	13	diverse	diverse	ADJ
abrj-471	164	14	theoretical	theoretical	ADJ
abrj-471	164	15	repertoire	repertoire	NOUN
abrj-471	164	16	of	of	ADP
abrj-471	164	17	knowledge	knowledge	NOUN
abrj-471	164	18	across	across	ADP
abrj-471	164	19	countries	country	NOUN
abrj-471	164	20	.	.	PUNCT
abrj-471	165	1	6	6	X
abrj-471	165	2	.	.	X
abrj-471	165	3	policy	policy	NOUN
abrj-471	165	4	implications	implication	NOUN
abrj-471	165	5	from	from	ADP
abrj-471	165	6	the	the	DET
abrj-471	165	7	research	research	NOUN
abrj-471	165	8	results	result	NOUN
abrj-471	165	9	,	,	PUNCT
abrj-471	165	10	the	the	DET
abrj-471	165	11	research	research	NOUN
abrj-471	165	12	team	team	NOUN
abrj-471	165	13	proposes	propose	VERB
abrj-471	165	14	of	of	ADP
abrj-471	165	15	recommendations	recommendation	NOUN
abrj-471	165	16	to	to	PART
abrj-471	165	17	improve	improve	VERB
abrj-471	165	18	digital	digital	ADJ
abrj-471	165	19	financial	financial	ADJ
abrj-471	165	20	literacy	literacy	NOUN
abrj-471	165	21	and	and	CCONJ
abrj-471	165	22	promote	promote	VERB
abrj-471	165	23	safe	safe	ADJ
abrj-471	165	24	and	and	CCONJ
abrj-471	165	25	effective	effective	ADJ
abrj-471	165	26	financial	financial	ADJ
abrj-471	165	27	technology	technology	NOUN
abrj-471	165	28	use	use	NOUN
abrj-471	165	29	among	among	ADP
abrj-471	165	30	students	student	NOUN
abrj-471	165	31	.	.	PUNCT
abrj-471	166	1	first	first	ADV
abrj-471	166	2	,	,	PUNCT
abrj-471	166	3	the	the	DET
abrj-471	166	4	state	state	NOUN
abrj-471	166	5	and	and	CCONJ
abrj-471	166	6	relevant	relevant	ADJ
abrj-471	166	7	agencies	agency	NOUN
abrj-471	166	8	need	need	VERB
abrj-471	166	9	to	to	PART
abrj-471	166	10	clearly	clearly	ADV
abrj-471	166	11	identify	identify	VERB
abrj-471	166	12	digital	digital	ADJ
abrj-471	166	13	financial	financial	ADJ
abrj-471	166	14	knowledge	knowledge	NOUN
abrj-471	166	15	as	as	ADP
abrj-471	166	16	an	an	DET
abrj-471	166	17	indispensable	indispensable	ADJ
abrj-471	166	18	part	part	NOUN
abrj-471	166	19	of	of	ADP
abrj-471	166	20	comprehensive	comprehensive	ADJ
abrj-471	166	21	digital	digital	ADJ
abrj-471	166	22	capacity	capacity	NOUN
abrj-471	166	23	of	of	ADP
abrj-471	166	24	citizens	citizen	NOUN
abrj-471	166	25	in	in	ADP
abrj-471	166	26	the	the	DET
abrj-471	166	27	4.0	4.0	NUM
abrj-471	166	28	era	era	NOUN
abrj-471	166	29	.	.	PUNCT
abrj-471	167	1	improving	improve	VERB
abrj-471	167	2	digital	digital	ADJ
abrj-471	167	3	financial	financial	ADJ
abrj-471	167	4	literacy	literacy	NOUN
abrj-471	167	5	for	for	ADP
abrj-471	167	6	young	young	ADJ
abrj-471	167	7	people	people	NOUN
abrj-471	167	8	not	not	PART
abrj-471	167	9	only	only	ADV
abrj-471	167	10	serves	serve	VERB
abrj-471	167	11	the	the	DET
abrj-471	167	12	goal	goal	NOUN
abrj-471	167	13	of	of	ADP
abrj-471	167	14	financial	financial	ADJ
abrj-471	167	15	inclusion	inclusion	NOUN
abrj-471	167	16	,	,	PUNCT
abrj-471	167	17	but	but	CCONJ
abrj-471	167	18	also	also	ADV
abrj-471	167	19	helps	help	VERB
abrj-471	167	20	young	young	ADJ
abrj-471	167	21	people	people	NOUN
abrj-471	167	22	make	make	VERB
abrj-471	167	23	reasonable	reasonable	ADJ
abrj-471	167	24	financial	financial	ADJ
abrj-471	167	25	decisions	decision	NOUN
abrj-471	167	26	,	,	PUNCT
abrj-471	167	27	limit	limit	VERB
abrj-471	167	28	financial	financial	ADJ
abrj-471	167	29	risks	risk	NOUN
abrj-471	167	30	,	,	PUNCT
abrj-471	167	31	increase	increase	VERB
abrj-471	167	32	the	the	DET
abrj-471	167	33	ability	ability	NOUN
abrj-471	167	34	to	to	PART
abrj-471	167	35	save	save	VERB
abrj-471	167	36	and	and	CCONJ
abrj-471	167	37	invest	invest	VERB
abrj-471	167	38	responsibly	responsibly	ADV
abrj-471	167	39	.	.	PUNCT
abrj-471	168	1	therefore	therefore	ADV
abrj-471	168	2	,	,	PUNCT
abrj-471	168	3	relevant	relevant	ADJ
abrj-471	168	4	ministries	ministry	NOUN
abrj-471	168	5	such	such	ADJ
abrj-471	168	6	as	as	ADP
abrj-471	168	7	the	the	DET
abrj-471	168	8	ministry	ministry	PROPN
abrj-471	168	9	of	of	ADP
abrj-471	168	10	education	education	PROPN
abrj-471	168	11	and	and	CCONJ
abrj-471	168	12	training	training	NOUN
abrj-471	168	13	,	,	PUNCT
abrj-471	168	14	the	the	DET
abrj-471	168	15	ministry	ministry	PROPN
abrj-471	168	16	of	of	ADP
abrj-471	168	17	finance	finance	PROPN
abrj-471	168	18	,	,	PUNCT
abrj-471	168	19	the	the	DET
abrj-471	168	20	state	state	PROPN
abrj-471	168	21	bank	bank	NOUN
abrj-471	168	22	,	,	PUNCT
abrj-471	168	23	etc	etc	X
abrj-471	168	24	.	.	X
abrj-471	168	25	need	need	VERB
abrj-471	168	26	to	to	PART
abrj-471	168	27	integrate	integrate	VERB
abrj-471	168	28	digital	digital	ADJ
abrj-471	168	29	financial	financial	ADJ
abrj-471	168	30	education	education	NOUN
abrj-471	168	31	content	content	NOUN
abrj-471	168	32	into	into	ADP
abrj-471	168	33	high	high	ADJ
abrj-471	168	34	school	school	NOUN
abrj-471	168	35	and	and	CCONJ
abrj-471	168	36	university	university	NOUN
abrj-471	168	37	curricula	curricula	NOUN
abrj-471	168	38	in	in	ADP
abrj-471	168	39	the	the	DET
abrj-471	168	40	form	form	NOUN
abrj-471	168	41	of	of	ADP
abrj-471	168	42	formal	formal	ADJ
abrj-471	168	43	subjects	subject	NOUN
abrj-471	168	44	or	or	CCONJ
abrj-471	168	45	extracurricular	extracurricular	ADJ
abrj-471	168	46	activities	activity	NOUN
abrj-471	168	47	.	.	PUNCT
abrj-471	169	1	teaching	teaching	NOUN
abrj-471	169	2	should	should	AUX
abrj-471	169	3	not	not	PART
abrj-471	169	4	only	only	ADV
abrj-471	169	5	stop	stop	VERB
abrj-471	169	6	at	at	ADP
abrj-471	169	7	basic	basic	ADJ
abrj-471	169	8	financial	financial	ADJ
abrj-471	169	9	theory	theory	NOUN
abrj-471	169	10	,	,	PUNCT
abrj-471	169	11	but	but	CCONJ
abrj-471	169	12	also	also	ADV
abrj-471	169	13	expand	expand	VERB
abrj-471	169	14	to	to	ADP
abrj-471	169	15	practical	practical	ADJ
abrj-471	169	16	skills	skill	NOUN
abrj-471	169	17	such	such	ADJ
abrj-471	169	18	as	as	ADP
abrj-471	169	19	using	use	VERB
abrj-471	169	20	e	e	NOUN
abrj-471	169	21	-	-	NOUN
abrj-471	169	22	wallets	wallet	NOUN
abrj-471	169	23	,	,	PUNCT
abrj-471	169	24	assessing	assess	VERB
abrj-471	169	25	security	security	NOUN
abrj-471	169	26	when	when	SCONJ
abrj-471	169	27	making	make	VERB
abrj-471	169	28	online	online	ADJ
abrj-471	169	29	transactions	transaction	NOUN
abrj-471	169	30	,	,	PUNCT
abrj-471	169	31	and	and	CCONJ
abrj-471	169	32	identifying	identify	VERB
abrj-471	169	33	financial	financial	ADJ
abrj-471	169	34	fraud	fraud	NOUN
abrj-471	169	35	risks	risk	NOUN
abrj-471	169	36	,	,	PUNCT
abrj-471	169	37	thereby	thereby	ADV
abrj-471	169	38	helping	help	VERB
abrj-471	169	39	students	student	NOUN
abrj-471	169	40	improve	improve	VERB
abrj-471	169	41	their	their	PRON
abrj-471	169	42	ability	ability	NOUN
abrj-471	169	43	to	to	PART
abrj-471	169	44	make	make	VERB
abrj-471	169	45	financial	financial	ADJ
abrj-471	169	46	decisions	decision	NOUN
abrj-471	169	47	in	in	ADP
abrj-471	169	48	the	the	DET
abrj-471	169	49	digital	digital	ADJ
abrj-471	169	50	environment	environment	NOUN
abrj-471	169	51	.	.	PUNCT
abrj-471	170	1	second	second	ADJ
abrj-471	170	2	,	,	PUNCT
abrj-471	170	3	schools	school	NOUN
abrj-471	170	4	and	and	CCONJ
abrj-471	170	5	educational	educational	ADJ
abrj-471	170	6	institutions	institution	NOUN
abrj-471	170	7	need	need	VERB
abrj-471	170	8	to	to	PART
abrj-471	170	9	proactively	proactively	ADV
abrj-471	170	10	coordinate	coordinate	VERB
abrj-471	170	11	with	with	ADP
abrj-471	170	12	fintech	fintech	NOUN
abrj-471	170	13	businesses	business	NOUN
abrj-471	170	14	and	and	CCONJ
abrj-471	170	15	banks	bank	NOUN
abrj-471	170	16	to	to	PART
abrj-471	170	17	organize	organize	VERB
abrj-471	170	18	talk	talk	NOUN
abrj-471	170	19	shows	show	NOUN
abrj-471	170	20	,	,	PUNCT
abrj-471	170	21	seminars	seminar	NOUN
abrj-471	170	22	,	,	PUNCT
abrj-471	170	23	competitions	competition	NOUN
abrj-471	170	24	or	or	CCONJ
abrj-471	170	25	practical	practical	ADJ
abrj-471	170	26	experience	experience	NOUN
abrj-471	170	27	workshop	workshop	NOUN
abrj-471	170	28	series	series	NOUN
abrj-471	170	29	.	.	PUNCT
abrj-471	171	1	these	these	DET
abrj-471	171	2	activities	activity	NOUN
abrj-471	171	3	not	not	PART
abrj-471	171	4	only	only	ADV
abrj-471	171	5	arouse	arouse	VERB
abrj-471	171	6	interest	interest	NOUN
abrj-471	171	7	but	but	CCONJ
abrj-471	171	8	also	also	ADV
abrj-471	171	9	increase	increase	VERB
abrj-471	171	10	interaction	interaction	NOUN
abrj-471	171	11	and	and	CCONJ
abrj-471	171	12	apply	apply	VERB
abrj-471	171	13	financial	financial	ADJ
abrj-471	171	14	knowledge	knowledge	NOUN
abrj-471	171	15	into	into	ADP
abrj-471	171	16	practice	practice	NOUN
abrj-471	171	17	,	,	PUNCT
abrj-471	171	18	thereby	thereby	ADV
abrj-471	171	19	creating	create	VERB
abrj-471	171	20	motivation	motivation	NOUN
abrj-471	171	21	to	to	PART
abrj-471	171	22	learn	learn	VERB
abrj-471	171	23	and	and	CCONJ
abrj-471	171	24	forming	form	VERB
abrj-471	171	25	positive	positive	ADJ
abrj-471	171	26	financial	financial	ADJ
abrj-471	171	27	habits	habit	NOUN
abrj-471	171	28	among	among	ADP
abrj-471	171	29	young	young	ADJ
abrj-471	171	30	people	people	NOUN
abrj-471	171	31	.	.	PUNCT
abrj-471	172	1	the	the	DET
abrj-471	172	2	content	content	NOUN
abrj-471	172	3	should	should	AUX
abrj-471	172	4	aim	aim	VERB
abrj-471	172	5	to	to	PART
abrj-471	172	6	foster	foster	VERB
abrj-471	172	7	positive	positive	ADJ
abrj-471	172	8	financial	financial	ADJ
abrj-471	172	9	behaviors	behavior	NOUN
abrj-471	172	10	such	such	ADJ
abrj-471	172	11	as	as	ADP
abrj-471	172	12	budget	budget	NOUN
abrj-471	172	13	planning	planning	NOUN
abrj-471	172	14	,	,	PUNCT
abrj-471	172	15	smart	smart	ADJ
abrj-471	172	16	consumption	consumption	NOUN
abrj-471	172	17	,	,	PUNCT
abrj-471	172	18	personal	personal	ADJ
abrj-471	172	19	credit	credit	NOUN
abrj-471	172	20	control	control	NOUN
abrj-471	172	21	,	,	PUNCT
abrj-471	172	22	and	and	CCONJ
abrj-471	172	23	protection	protection	NOUN
abrj-471	172	24	of	of	ADP
abrj-471	172	25	personal	personal	ADJ
abrj-471	172	26	financial	financial	ADJ
abrj-471	172	27	information	information	NOUN
abrj-471	172	28	.	.	PUNCT
abrj-471	173	1	this	this	PRON
abrj-471	173	2	is	be	AUX
abrj-471	173	3	especially	especially	ADV
abrj-471	173	4	necessary	necessary	ADJ
abrj-471	173	5	because	because	SCONJ
abrj-471	173	6	many	many	ADJ
abrj-471	173	7	students	student	NOUN
abrj-471	173	8	today	today	NOUN
abrj-471	173	9	access	access	NOUN
abrj-471	173	10	financial	financial	ADJ
abrj-471	173	11	technology	technology	NOUN
abrj-471	173	12	through	through	ADP
abrj-471	173	13	social	social	ADJ
abrj-471	173	14	networks	network	NOUN
abrj-471	173	15	and	and	CCONJ
abrj-471	173	16	word	word	NOUN
abrj-471	173	17	of	of	ADP
abrj-471	173	18	mouth	mouth	NOUN
abrj-471	173	19	,	,	PUNCT
abrj-471	173	20	which	which	PRON
abrj-471	173	21	can	can	AUX
abrj-471	173	22	easily	easily	ADV
abrj-471	173	23	lead	lead	VERB
abrj-471	173	24	to	to	ADP
abrj-471	173	25	emotional	emotional	ADJ
abrj-471	173	26	or	or	CCONJ
abrj-471	173	27	unsafe	unsafe	ADJ
abrj-471	173	28	decisions	decision	NOUN
abrj-471	173	29	.	.	PUNCT
abrj-471	174	1	third	third	ADJ
abrj-471	174	2	,	,	PUNCT
abrj-471	174	3	local	local	ADJ
abrj-471	174	4	authorities	authority	NOUN
abrj-471	174	5	and	and	CCONJ
abrj-471	174	6	youth	youth	NOUN
abrj-471	174	7	organizations	organization	NOUN
abrj-471	174	8	can	can	AUX
abrj-471	174	9	launch	launch	VERB
abrj-471	174	10	mass	mass	ADJ
abrj-471	174	11	media	medium	NOUN
abrj-471	174	12	campaigns	campaign	NOUN
abrj-471	174	13	on	on	ADP
abrj-471	174	14	social	social	ADJ
abrj-471	174	15	networks	network	NOUN
abrj-471	174	16	,	,	PUNCT
abrj-471	174	17	flyers	flyer	NOUN
abrj-471	174	18	,	,	PUNCT
abrj-471	174	19	learning	learning	NOUN
abrj-471	174	20	apps	app	NOUN
abrj-471	174	21	,	,	PUNCT
abrj-471	174	22	etc	etc	X
abrj-471	174	23	.	.	X
abrj-471	174	24	to	to	PART
abrj-471	174	25	spread	spread	VERB
abrj-471	174	26	the	the	DET
abrj-471	174	27	right	right	ADJ
abrj-471	174	28	awareness	awareness	NOUN
abrj-471	174	29	of	of	ADP
abrj-471	174	30	digital	digital	ADJ
abrj-471	174	31	finance	finance	NOUN
abrj-471	174	32	and	and	CCONJ
abrj-471	174	33	the	the	DET
abrj-471	174	34	habit	habit	NOUN
abrj-471	174	35	of	of	ADP
abrj-471	174	36	using	use	VERB
abrj-471	174	37	financial	financial	ADJ
abrj-471	174	38	technology	technology	NOUN
abrj-471	174	39	safely	safely	ADV
abrj-471	174	40	.	.	PUNCT
abrj-471	175	1	in	in	ADP
abrj-471	175	2	particular	particular	ADJ
abrj-471	175	3	,	,	PUNCT
abrj-471	175	4	it	it	PRON
abrj-471	175	5	is	be	AUX
abrj-471	175	6	necessary	necessary	ADJ
abrj-471	175	7	to	to	PART
abrj-471	175	8	emphasize	emphasize	VERB
abrj-471	175	9	practical	practical	ADJ
abrj-471	175	10	topics	topic	NOUN
abrj-471	175	11	such	such	ADJ
abrj-471	175	12	as	as	ADP
abrj-471	175	13	"	"	PUNCT
abrj-471	175	14	how	how	SCONJ
abrj-471	175	15	to	to	PART
abrj-471	175	16	effectively	effectively	ADV
abrj-471	175	17	manage	manage	VERB
abrj-471	175	18	pocket	pocket	NOUN
abrj-471	175	19	money	money	NOUN
abrj-471	175	20	through	through	ADP
abrj-471	175	21	digital	digital	ADJ
abrj-471	175	22	applications	application	NOUN
abrj-471	175	23	"	"	PUNCT
abrj-471	175	24	,	,	PUNCT
abrj-471	175	25	"	"	PUNCT
abrj-471	175	26	distinguishing	distinguish	VERB
abrj-471	175	27	between	between	ADP
abrj-471	175	28	investment	investment	NOUN
abrj-471	175	29	and	and	CCONJ
abrj-471	175	30	financial	financial	ADJ
abrj-471	175	31	gambling	gambling	NOUN
abrj-471	175	32	"	"	PUNCT
abrj-471	175	33	,	,	PUNCT
abrj-471	175	34	or	or	CCONJ
abrj-471	175	35	"	"	PUNCT
abrj-471	175	36	how	how	SCONJ
abrj-471	175	37	to	to	PART
abrj-471	175	38	avoid	avoid	VERB
abrj-471	175	39	online	online	ADJ
abrj-471	175	40	credit	credit	NOUN
abrj-471	175	41	traps	trap	NOUN
abrj-471	175	42	and	and	CCONJ
abrj-471	175	43	black	black	ADJ
abrj-471	175	44	app	app	NOUN
abrj-471	175	45	loans	loan	NOUN
abrj-471	175	46	"	"	PUNCT
abrj-471	175	47	.	.	PUNCT
abrj-471	176	1	communication	communication	NOUN
abrj-471	176	2	campaigns	campaign	NOUN
abrj-471	176	3	need	need	VERB
abrj-471	176	4	to	to	PART
abrj-471	176	5	disseminate	disseminate	VERB
abrj-471	176	6	knowledge	knowledge	NOUN
abrj-471	176	7	about	about	ADP
abrj-471	176	8	the	the	DET
abrj-471	176	9	risks	risk	NOUN
abrj-471	176	10	of	of	ADP
abrj-471	176	11	technology	technology	NOUN
abrj-471	176	12	fraud	fraud	NOUN
abrj-471	176	13	,	,	PUNCT
abrj-471	176	14	personal	personal	ADJ
abrj-471	176	15	account	account	NOUN
abrj-471	176	16	security	security	NOUN
abrj-471	176	17	,	,	PUNCT
abrj-471	176	18	and	and	CCONJ
abrj-471	176	19	clearly	clearly	ADV
abrj-471	176	20	explain	explain	VERB
abrj-471	176	21	the	the	DET
abrj-471	176	22	rights	right	NOUN
abrj-471	176	23	and	and	CCONJ
abrj-471	176	24	obligations	obligation	NOUN
abrj-471	176	25	of	of	ADP
abrj-471	176	26	fintech	fintech	NOUN
abrj-471	176	27	users	user	NOUN
abrj-471	176	28	,	,	PUNCT
abrj-471	176	29	thereby	thereby	ADV
abrj-471	176	30	helping	help	VERB
abrj-471	176	31	young	young	ADJ
abrj-471	176	32	people	people	NOUN
abrj-471	176	33	be	be	AUX
abrj-471	176	34	more	more	ADV
abrj-471	176	35	proactive	proactive	ADJ
abrj-471	176	36	in	in	ADP
abrj-471	176	37	evaluating	evaluate	VERB
abrj-471	176	38	and	and	CCONJ
abrj-471	176	39	choosing	choose	VERB
abrj-471	176	40	reputable	reputable	ADJ
abrj-471	176	41	financial	financial	ADJ
abrj-471	176	42	platforms	platform	NOUN
abrj-471	176	43	.	.	PUNCT
abrj-471	177	1	finally	finally	ADV
abrj-471	177	2	,	,	PUNCT
abrj-471	177	3	students	student	NOUN
abrj-471	177	4	themselves	themselves	PRON
abrj-471	177	5	need	need	VERB
abrj-471	177	6	to	to	PART
abrj-471	177	7	be	be	AUX
abrj-471	177	8	proactive	proactive	ADJ
abrj-471	177	9	in	in	ADP
abrj-471	177	10	raising	raise	VERB
abrj-471	177	11	awareness	awareness	NOUN
abrj-471	177	12	and	and	CCONJ
abrj-471	177	13	self	self	NOUN
abrj-471	177	14	-	-	PUNCT
abrj-471	177	15	studying	studying	NOUN
abrj-471	177	16	about	about	ADP
abrj-471	177	17	personal	personal	ADJ
abrj-471	177	18	finance	finance	NOUN
abrj-471	177	19	through	through	ADP
abrj-471	177	20	reputable	reputable	ADJ
abrj-471	177	21	online	online	ADJ
abrj-471	177	22	documents	document	NOUN
abrj-471	177	23	and	and	CCONJ
abrj-471	177	24	courses	course	NOUN
abrj-471	177	25	.	.	PUNCT
abrj-471	178	1	setting	set	VERB
abrj-471	178	2	simple	simple	ADJ
abrj-471	178	3	financial	financial	ADJ
abrj-471	178	4	goals	goal	NOUN
abrj-471	178	5	such	such	ADJ
abrj-471	178	6	as	as	ADP
abrj-471	178	7	creating	create	VERB
abrj-471	178	8	an	an	DET
abrj-471	178	9	emergency	emergency	NOUN
abrj-471	178	10	fund	fund	NOUN
abrj-471	178	11	,	,	PUNCT
abrj-471	178	12	saving	save	VERB
abrj-471	178	13	to	to	PART
abrj-471	178	14	buy	buy	VERB
abrj-471	178	15	books	book	NOUN
abrj-471	178	16	,	,	PUNCT
abrj-471	178	17	or	or	CCONJ
abrj-471	178	18	tracking	track	VERB
abrj-471	178	19	daily	daily	ADJ
abrj-471	178	20	expenses	expense	NOUN
abrj-471	178	21	through	through	ADP
abrj-471	178	22	an	an	DET
abrj-471	178	23	application	application	NOUN
abrj-471	178	24	will	will	AUX
abrj-471	178	25	be	be	AUX
abrj-471	178	26	the	the	DET
abrj-471	178	27	first	first	ADJ
abrj-471	178	28	step	step	NOUN
abrj-471	178	29	in	in	ADP
abrj-471	178	30	building	build	VERB
abrj-471	178	31	a	a	DET
abrj-471	178	32	solid	solid	ADJ
abrj-471	178	33	foundation	foundation	NOUN
abrj-471	178	34	for	for	ADP
abrj-471	178	35	sustainable	sustainable	ADJ
abrj-471	178	36	financial	financial	ADJ
abrj-471	178	37	behavior	behavior	NOUN
abrj-471	178	38	in	in	ADP
abrj-471	178	39	the	the	DET
abrj-471	178	40	future	future	NOUN
abrj-471	178	41	.	.	PUNCT
abrj-471	179	1	young	young	ADJ
abrj-471	179	2	people	people	NOUN
abrj-471	179	3	should	should	AUX
abrj-471	179	4	also	also	ADV
abrj-471	179	5	know	know	VERB
abrj-471	179	6	how	how	SCONJ
abrj-471	179	7	to	to	PART
abrj-471	179	8	create	create	VERB
abrj-471	179	9	a	a	DET
abrj-471	179	10	personal	personal	ADJ
abrj-471	179	11	budget	budget	NOUN
abrj-471	179	12	,	,	PUNCT
abrj-471	179	13	record	record	NOUN
abrj-471	179	14	expenses	expense	NOUN
abrj-471	179	15	,	,	PUNCT
abrj-471	179	16	evaluate	evaluate	VERB
abrj-471	179	17	their	their	PRON
abrj-471	179	18	level	level	NOUN
abrj-471	179	19	of	of	ADP
abrj-471	179	20	fintech	fintech	NOUN
abrj-471	179	21	usage	usage	NOUN
abrj-471	179	22	,	,	PUNCT
abrj-471	179	23	and	and	CCONJ
abrj-471	179	24	thereby	thereby	ADV
abrj-471	179	25	adjust	adjust	VERB
abrj-471	179	26	their	their	PRON
abrj-471	179	27	financial	financial	ADJ
abrj-471	179	28	behavior	behavior	NOUN
abrj-471	179	29	accordingly	accordingly	ADV
abrj-471	179	30	.	.	PUNCT
abrj-471	180	1	self	self	NOUN
abrj-471	180	2	-	-	PUNCT
abrj-471	180	3	study	study	NOUN
abrj-471	180	4	through	through	ADP
abrj-471	180	5	online	online	ADJ
abrj-471	180	6	documents	document	NOUN
abrj-471	180	7	,	,	PUNCT
abrj-471	180	8	open	open	ADJ
abrj-471	180	9	courses	course	NOUN
abrj-471	180	10	,	,	PUNCT
abrj-471	180	11	and	and	CCONJ
abrj-471	180	12	financial	financial	ADJ
abrj-471	180	13	simulation	simulation	NOUN
abrj-471	180	14	applications	application	NOUN
abrj-471	180	15	is	be	AUX
abrj-471	180	16	also	also	ADV
abrj-471	180	17	essential	essential	ADJ
abrj-471	180	18	to	to	PART
abrj-471	180	19	master	master	VERB
abrj-471	180	20	modern	modern	ADJ
abrj-471	180	21	financial	financial	ADJ
abrj-471	180	22	tools	tool	NOUN
abrj-471	180	23	.	.	PUNCT
abrj-471	181	1	at	at	ADP
abrj-471	181	2	the	the	DET
abrj-471	181	3	same	same	ADJ
abrj-471	181	4	time	time	NOUN
abrj-471	181	5	,	,	PUNCT
abrj-471	181	6	young	young	ADJ
abrj-471	181	7	people	people	NOUN
abrj-471	181	8	need	need	VERB
abrj-471	181	9	to	to	PART
abrj-471	181	10	learn	learn	VERB
abrj-471	181	11	how	how	SCONJ
abrj-471	181	12	to	to	PART
abrj-471	181	13	self	self	NOUN
abrj-471	181	14	-	-	PUNCT
abrj-471	181	15	assess	assess	VERB
abrj-471	181	16	the	the	DET
abrj-471	181	17	safety	safety	NOUN
abrj-471	181	18	of	of	ADP
abrj-471	181	19	financial	financial	ADJ
abrj-471	181	20	applications	application	NOUN
abrj-471	181	21	,	,	PUNCT
abrj-471	181	22	not	not	PART
abrj-471	181	23	follow	follow	VERB
abrj-471	181	24	virtual	virtual	ADJ
abrj-471	181	25	investment	investment	NOUN
abrj-471	181	26	trends	trend	NOUN
abrj-471	181	27	,	,	PUNCT
abrj-471	181	28	and	and	CCONJ
abrj-471	181	29	be	be	AUX
abrj-471	181	30	aware	aware	ADJ
abrj-471	181	31	of	of	ADP
abrj-471	181	32	the	the	DET
abrj-471	181	33	risks	risk	NOUN
abrj-471	181	34	when	when	SCONJ
abrj-471	181	35	sharing	share	VERB
abrj-471	181	36	personal	personal	ADJ
abrj-471	181	37	financial	financial	ADJ
abrj-471	181	38	information	information	NOUN
abrj-471	181	39	online	online	ADV
abrj-471	181	40	.	.	PUNCT
abrj-471	182	1	7	7	X
abrj-471	182	2	.	.	X
abrj-471	182	3	conclusion	conclusion	NOUN
abrj-471	182	4	however	however	ADV
abrj-471	182	5	,	,	PUNCT
abrj-471	182	6	this	this	DET
abrj-471	182	7	study	study	NOUN
abrj-471	182	8	still	still	ADV
abrj-471	182	9	has	have	VERB
abrj-471	182	10	some	some	DET
abrj-471	182	11	limitations	limitation	NOUN
abrj-471	182	12	in	in	ADP
abrj-471	182	13	terms	term	NOUN
abrj-471	182	14	of	of	ADP
abrj-471	182	15	scope	scope	NOUN
abrj-471	182	16	and	and	CCONJ
abrj-471	182	17	survey	survey	NOUN
abrj-471	182	18	subjects	subject	NOUN
abrj-471	182	19	.	.	PUNCT
abrj-471	183	1	due	due	ADP
abrj-471	183	2	to	to	ADP
abrj-471	183	3	time	time	NOUN
abrj-471	183	4	and	and	CCONJ
abrj-471	183	5	practical	practical	ADJ
abrj-471	183	6	conditions	condition	NOUN
abrj-471	183	7	,	,	PUNCT
abrj-471	183	8	the	the	DET
abrj-471	183	9	survey	survey	NOUN
abrj-471	183	10	was	be	AUX
abrj-471	183	11	mainly	mainly	ADV
abrj-471	183	12	conducted	conduct	VERB
abrj-471	183	13	in	in	ADP
abrj-471	183	14	hanoi	hanoi	NOUN
abrj-471	183	15	,	,	PUNCT
abrj-471	183	16	with	with	ADP
abrj-471	183	17	the	the	DET
abrj-471	183	18	number	number	NOUN
abrj-471	183	19	of	of	ADP
abrj-471	183	20	samples	sample	NOUN
abrj-471	183	21	ensuring	ensure	VERB
abrj-471	183	22	analysis	analysis	NOUN
abrj-471	183	23	but	but	CCONJ
abrj-471	183	24	not	not	PART
abrj-471	183	25	enough	enough	ADJ
abrj-471	183	26	to	to	PART
abrj-471	183	27	generalize	generalize	VERB
abrj-471	183	28	to	to	ADP
abrj-471	183	29	all	all	DET
abrj-471	183	30	more	more	ADJ
abrj-471	183	31	than	than	ADP
abrj-471	183	32	2	2	NUM
abrj-471	183	33	million	million	NUM
abrj-471	183	34	students	student	NOUN
abrj-471	183	35	nationwide	nationwide	ADJ
abrj-471	183	36	.	.	PUNCT
abrj-471	184	1	in	in	ADP
abrj-471	184	2	addition	addition	NOUN
abrj-471	184	3	,	,	PUNCT
abrj-471	184	4	the	the	DET
abrj-471	184	5	study	study	NOUN
abrj-471	184	6	has	have	AUX
abrj-471	184	7	not	not	PART
abrj-471	184	8	analyzed	analyze	VERB
abrj-471	184	9	in	in	ADP
abrj-471	184	10	depth	depth	NOUN
abrj-471	184	11	the	the	DET
abrj-471	184	12	differences	difference	NOUN
abrj-471	184	13	in	in	ADP
abrj-471	184	14	fintech	fintech	NOUN
abrj-471	184	15	usage	usage	NOUN
abrj-471	184	16	behavior	behavior	NOUN
abrj-471	184	17	according	accord	VERB
abrj-471	184	18	to	to	ADP
abrj-471	184	19	demographic	demographic	ADJ
abrj-471	184	20	variables	variable	NOUN
abrj-471	184	21	such	such	ADJ
abrj-471	184	22	as	as	ADP
abrj-471	184	23	gender	gender	NOUN
abrj-471	184	24	,	,	PUNCT
abrj-471	184	25	region	region	NOUN
abrj-471	184	26	,	,	PUNCT
abrj-471	184	27	family	family	NOUN
abrj-471	184	28	income	income	NOUN
abrj-471	184	29	,	,	PUNCT
abrj-471	184	30	type	type	NOUN
abrj-471	184	31	of	of	ADP
abrj-471	184	32	school	school	NOUN
abrj-471	184	33	or	or	CCONJ
abrj-471	184	34	major	major	NOUN
abrj-471	184	35	.	.	PUNCT
abrj-471	185	1	these	these	PRON
abrj-471	185	2	are	be	AUX
abrj-471	185	3	factors	factor	NOUN
abrj-471	185	4	that	that	PRON
abrj-471	185	5	can	can	AUX
abrj-471	185	6	significantly	significantly	ADV
abrj-471	185	7	affect	affect	VERB
abrj-471	185	8	the	the	DET
abrj-471	185	9	level	level	NOUN
abrj-471	185	10	of	of	ADP
abrj-471	185	11	access	access	NOUN
abrj-471	185	12	and	and	CCONJ
abrj-471	185	13	application	application	NOUN
abrj-471	185	14	of	of	ADP
abrj-471	185	15	financial	financial	ADJ
abrj-471	185	16	technology	technology	NOUN
abrj-471	185	17	,	,	PUNCT
abrj-471	185	18	and	and	CCONJ
abrj-471	185	19	therefore	therefore	ADV
abrj-471	185	20	should	should	AUX
abrj-471	185	21	be	be	AUX
abrj-471	185	22	included	include	VERB
abrj-471	185	23	in	in	ADP
abrj-471	185	24	subsequent	subsequent	ADJ
abrj-471	185	25	studies.in	studies.in	PRON
abrj-471	185	26	the	the	DET
abrj-471	185	27	future	future	NOUN
abrj-471	185	28	,	,	PUNCT
abrj-471	185	29	it	it	PRON
abrj-471	185	30	is	be	AUX
abrj-471	185	31	necessary	necessary	ADJ
abrj-471	185	32	to	to	PART
abrj-471	185	33	expand	expand	VERB
abrj-471	185	34	the	the	DET
abrj-471	185	35	scale	scale	NOUN
abrj-471	185	36	of	of	ADP
abrj-471	185	37	the	the	DET
abrj-471	185	38	survey	survey	NOUN
abrj-471	185	39	,	,	PUNCT
abrj-471	185	40	increase	increase	VERB
abrj-471	185	41	the	the	DET
abrj-471	185	42	application	application	NOUN
abrj-471	185	43	of	of	ADP
abrj-471	185	44	more	more	ADV
abrj-471	185	45	advanced	advanced	ADJ
abrj-471	185	46	analytical	analytical	ADJ
abrj-471	185	47	models	model	NOUN
abrj-471	185	48	such	such	ADJ
abrj-471	185	49	as	as	ADP
abrj-471	185	50	sem	sem	NOUN
abrj-471	185	51	or	or	CCONJ
abrj-471	185	52	pls	pls	INTJ
abrj-471	185	53	-	-	PUNCT
abrj-471	185	54	sem	sem	NOUN
abrj-471	185	55	to	to	PART
abrj-471	185	56	assess	assess	VERB
abrj-471	185	57	the	the	DET
abrj-471	185	58	relationship	relationship	NOUN
abrj-471	185	59	between	between	ADP
abrj-471	185	60	factors	factor	NOUN
abrj-471	185	61	affecting	affect	VERB
abrj-471	185	62	fintech	fintech	NOUN
abrj-471	185	63	usage	usage	NOUN
abrj-471	185	64	behavior	behavior	NOUN
abrj-471	185	65	more	more	ADV
abrj-471	185	66	comprehensively	comprehensively	ADV
abrj-471	185	67	.	.	PUNCT
abrj-471	186	1	from	from	ADP
abrj-471	186	2	there	there	ADV
abrj-471	186	3	,	,	PUNCT
abrj-471	186	4	policy	policy	NOUN
abrj-471	186	5	and	and	CCONJ
abrj-471	186	6	educational	educational	ADJ
abrj-471	186	7	recommendations	recommendation	NOUN
abrj-471	186	8	can	can	AUX
abrj-471	186	9	be	be	AUX
abrj-471	186	10	more	more	ADV
abrj-471	186	11	tailored	tailor	VERB
abrj-471	186	12	to	to	ADP
abrj-471	186	13	specific	specific	ADJ
abrj-471	186	14	groups	group	NOUN
abrj-471	186	15	of	of	ADP
abrj-471	186	16	young	young	ADJ
abrj-471	186	17	people	people	NOUN
abrj-471	186	18	in	in	ADP
abrj-471	186	19	the	the	DET
abrj-471	186	20	context	context	NOUN
abrj-471	186	21	of	of	ADP
abrj-471	186	22	increasingly	increasingly	ADV
abrj-471	186	23	deep	deep	ADJ
abrj-471	186	24	digitalization	digitalization	NOUN
abrj-471	186	25	in	in	ADP
abrj-471	186	26	vietnam	vietnam	PROPN
abrj-471	186	27	references	reference	NOUN
abrj-471	186	28	ajzen	ajzen	NOUN
abrj-471	186	29	,	,	PUNCT
abrj-471	186	30	i.	i.	NOUN
abrj-471	186	31	(	(	PUNCT
abrj-471	186	32	1991	1991	NUM
abrj-471	186	33	)	)	PUNCT
abrj-471	186	34	.	.	PUNCT
abrj-471	187	1	the	the	DET
abrj-471	187	2	theory	theory	NOUN
abrj-471	187	3	of	of	ADP
abrj-471	187	4	planned	plan	VERB
abrj-471	187	5	behavior	behavior	NOUN
abrj-471	187	6	.	.	PUNCT
abrj-471	188	1	organizational	organizational	ADJ
abrj-471	188	2	behavior	behavior	NOUN
abrj-471	188	3	and	and	CCONJ
abrj-471	188	4	human	human	ADJ
abrj-471	188	5	decision	decision	NOUN
abrj-471	188	6	processes	process	NOUN
abrj-471	188	7	,	,	PUNCT
abrj-471	188	8	50(2	50(2	NUM
abrj-471	188	9	)	)	PUNCT
abrj-471	188	10	,	,	PUNCT
abrj-471	188	11	179–211	179–211	NUM
abrj-471	188	12	.	.	PUNCT
abrj-471	189	1	doi	doi	NOUN
abrj-471	189	2	:	:	PUNCT
abrj-471	189	3	10.1016/0749	10.1016/0749	NUM
abrj-471	189	4	-	-	PUNCT
abrj-471	189	5	5978(91)90020	5978(91)90020	NUM
abrj-471	189	6	-	-	PUNCT
abrj-471	189	7	t.	t.	NOUN
abrj-471	189	8	al	al	PROPN
abrj-471	189	9	-	-	PUNCT
abrj-471	189	10	mamary	mamary	PROPN
abrj-471	189	11	,	,	PUNCT
abrj-471	189	12	y.	y.	PROPN
abrj-471	189	13	 	 	SPACE
abrj-471	189	14	h.	h.	PROPN
abrj-471	189	15	 	 	SPACE
abrj-471	189	16	s.	s.	PROPN
abrj-471	189	17	,	,	PUNCT
abrj-471	189	18	&	&	CCONJ
abrj-471	189	19	alraja	alraja	PROPN
abrj-471	189	20	,	,	PUNCT
abrj-471	189	21	m.	m.	NOUN
abrj-471	189	22	 	 	SPACE
abrj-471	189	23	m.	m.	NOUN
abrj-471	189	24	(	(	PUNCT
abrj-471	189	25	2022	2022	NUM
abrj-471	189	26	)	)	PUNCT
abrj-471	189	27	.	.	PUNCT
abrj-471	190	1	understanding	understand	VERB
abrj-471	190	2	entrepreneurship	entrepreneurship	NOUN
abrj-471	190	3	intention	intention	NOUN
abrj-471	190	4	and	and	CCONJ
abrj-471	190	5	behavior	behavior	NOUN
abrj-471	190	6	in	in	ADP
abrj-471	190	7	the	the	DET
abrj-471	190	8	light	light	NOUN
abrj-471	190	9	of	of	ADP
abrj-471	190	10	tpb	tpb	NOUN
abrj-471	190	11	model	model	NOUN
abrj-471	190	12	from	from	ADP
abrj-471	190	13	the	the	DET
abrj-471	190	14	digital	digital	ADJ
abrj-471	190	15	entrepreneurship	entrepreneurship	NOUN
abrj-471	190	16	perspective	perspective	NOUN
abrj-471	190	17	.	.	PUNCT
abrj-471	191	1	international	international	ADJ
abrj-471	191	2	journal	journal	PROPN
abrj-471	191	3	of	of	ADP
abrj-471	191	4	information	information	NOUN
abrj-471	191	5	management	management	NOUN
abrj-471	191	6	data	datum	NOUN
abrj-471	191	7	insights	insight	NOUN
abrj-471	191	8	,	,	PUNCT
abrj-471	191	9	2(2	2(2	NUM
abrj-471	191	10	)	)	PUNCT
abrj-471	191	11	,	,	PUNCT
abrj-471	191	12	1–8	1–8	X
abrj-471	191	13	.	.	PUNCT
abrj-471	191	14	appiah	appiah	PROPN
abrj-471	191	15	-	-	PUNCT
abrj-471	191	16	otoo	otoo	PROPN
abrj-471	191	17	,	,	PUNCT
abrj-471	191	18	i.	i.	NOUN
abrj-471	191	19	,	,	PUNCT
abrj-471	191	20	&	&	CCONJ
abrj-471	191	21	song	song	PROPN
abrj-471	191	22	,	,	PUNCT
abrj-471	191	23	n.	n.	NOUN
abrj-471	191	24	(	(	PUNCT
abrj-471	191	25	2021	2021	NUM
abrj-471	191	26	)	)	PUNCT
abrj-471	191	27	.	.	PUNCT
abrj-471	192	1	the	the	DET
abrj-471	192	2	impact	impact	NOUN
abrj-471	192	3	of	of	ADP
abrj-471	192	4	fintech	fintech	NOUN
abrj-471	192	5	on	on	ADP
abrj-471	192	6	poverty	poverty	NOUN
abrj-471	192	7	reduction	reduction	NOUN
abrj-471	192	8	:	:	PUNCT
abrj-471	192	9	evidence	evidence	NOUN
abrj-471	192	10	from	from	ADP
abrj-471	192	11	china	china	PROPN
abrj-471	192	12	.	.	PUNCT
abrj-471	193	1	sustainability	sustainability	NOUN
abrj-471	193	2	,	,	PUNCT
abrj-471	193	3	13(9	13(9	NUM
abrj-471	193	4	)	)	PUNCT
abrj-471	193	5	,	,	PUNCT
abrj-471	193	6	5225	5225	NUM
abrj-471	193	7	.	.	PUNCT
abrj-471	194	1	doi	doi	NOUN
abrj-471	194	2	:	:	PUNCT
abrj-471	194	3	10.3390	10.3390	NUM
abrj-471	194	4	/	/	SYM
abrj-471	194	5	su13095225	su13095225	NOUN
abrj-471	194	6	.	.	PUNCT
abrj-471	195	1	fishbein	fishbein	PROPN
abrj-471	195	2	,	,	PUNCT
abrj-471	195	3	m.	m.	NOUN
abrj-471	195	4	,	,	PUNCT
abrj-471	195	5	&	&	CCONJ
abrj-471	195	6	ajzen	ajzen	PROPN
abrj-471	195	7	,	,	PUNCT
abrj-471	195	8	i.	i.	NOUN
abrj-471	195	9	(	(	PUNCT
abrj-471	195	10	1975	1975	NUM
abrj-471	195	11	)	)	PUNCT
abrj-471	195	12	.	.	PUNCT
abrj-471	196	1	belief	belief	NOUN
abrj-471	196	2	,	,	PUNCT
abrj-471	196	3	attitude	attitude	NOUN
abrj-471	196	4	,	,	PUNCT
abrj-471	196	5	intention	intention	NOUN
abrj-471	196	6	and	and	CCONJ
abrj-471	196	7	behavior	behavior	NOUN
abrj-471	196	8	:	:	PUNCT
abrj-471	196	9	an	an	DET
abrj-471	196	10	introduction	introduction	NOUN
abrj-471	196	11	to	to	ADP
abrj-471	196	12	theory	theory	NOUN
abrj-471	196	13	and	and	CCONJ
abrj-471	196	14	research	research	NOUN
abrj-471	196	15	.	.	PUNCT
abrj-471	197	1	reading	reading	NOUN
abrj-471	197	2	,	,	PUNCT
abrj-471	197	3	ma	ma	PROPN
abrj-471	197	4	:	:	PUNCT
abrj-471	197	5	addison	addison	PROPN
abrj-471	197	6	-	-	PUNCT
abrj-471	197	7	wesley	wesley	PROPN
abrj-471	197	8	.	.	PUNCT
abrj-471	198	1	gieure	gieure	NOUN
abrj-471	198	2	,	,	PUNCT
abrj-471	198	3	c.	c.	PROPN
abrj-471	198	4	,	,	PUNCT
abrj-471	198	5	del	del	PROPN
abrj-471	198	6	mar	mar	PROPN
abrj-471	198	7	benavides	benavides	PROPN
abrj-471	198	8	-	-	PUNCT
abrj-471	198	9	espinosa	espinosa	PROPN
abrj-471	198	10	,	,	PUNCT
abrj-471	198	11	m.	m.	NOUN
abrj-471	198	12	,	,	PUNCT
abrj-471	198	13	&	&	CCONJ
abrj-471	198	14	roig	roig	PROPN
abrj-471	198	15	-	-	PUNCT
abrj-471	198	16	dobón	dobón	PROPN
abrj-471	198	17	,	,	PUNCT
abrj-471	198	18	s.	s.	PROPN
abrj-471	198	19	(	(	PUNCT
abrj-471	198	20	2020	2020	NUM
abrj-471	198	21	)	)	PUNCT
abrj-471	198	22	.	.	PUNCT
abrj-471	199	1	the	the	DET
abrj-471	199	2	entrepreneurial	entrepreneurial	ADJ
abrj-471	199	3	process	process	NOUN
abrj-471	199	4	:	:	PUNCT
abrj-471	199	5	the	the	DET
abrj-471	199	6	link	link	NOUN
abrj-471	199	7	between	between	ADP
abrj-471	199	8	intentions	intention	NOUN
abrj-471	199	9	and	and	CCONJ
abrj-471	199	10	behavior	behavior	NOUN
abrj-471	199	11	.	.	PUNCT
abrj-471	200	1	journal	journal	PROPN
abrj-471	200	2	of	of	ADP
abrj-471	200	3	business	business	NOUN
abrj-471	200	4	research	research	NOUN
abrj-471	200	5	,	,	PUNCT
abrj-471	200	6	112	112	NUM
abrj-471	200	7	,	,	PUNCT
abrj-471	200	8	541–548	541–548	NUM
abrj-471	200	9	.	.	PUNCT
abrj-471	201	1	doi	doi	NOUN
abrj-471	201	2	:	:	PUNCT
abrj-471	201	3	10.1016	10.1016	NUM
abrj-471	201	4	/	/	SYM
abrj-471	201	5	j.jbusres.2019.11.088	j.jbusres.2019.11.088	X
abrj-471	201	6	.	.	PUNCT
abrj-471	202	1	hair	hair	NOUN
abrj-471	202	2	,	,	PUNCT
abrj-471	202	3	j.	j.	PROPN
abrj-471	202	4	 	 	SPACE
abrj-471	202	5	f.	f.	PROPN
abrj-471	202	6	,	,	PUNCT
abrj-471	202	7	black	black	PROPN
abrj-471	202	8	,	,	PUNCT
abrj-471	202	9	w.	w.	PROPN
abrj-471	202	10	 	 	SPACE
abrj-471	202	11	c.	c.	PROPN
abrj-471	202	12	,	,	PUNCT
abrj-471	202	13	babin	babin	PROPN
abrj-471	202	14	,	,	PUNCT
abrj-471	202	15	b.	b.	PROPN
abrj-471	202	16	 	 	SPACE
abrj-471	202	17	j.	j.	PROPN
abrj-471	202	18	,	,	PUNCT
abrj-471	202	19	&	&	CCONJ
abrj-471	202	20	anderson	anderson	PROPN
abrj-471	202	21	,	,	PUNCT
abrj-471	202	22	r.	r.	PROPN
abrj-471	202	23	 	 	SPACE
abrj-471	202	24	e.	e.	PROPN
abrj-471	202	25	(	(	PUNCT
abrj-471	202	26	2014	2014	NUM
abrj-471	202	27	)	)	PUNCT
abrj-471	202	28	.	.	PUNCT
abrj-471	203	1	multivariate	multivariate	NOUN
abrj-471	203	2	data	datum	NOUN
abrj-471	203	3	analysis	analysis	NOUN
abrj-471	203	4	(	(	PUNCT
abrj-471	203	5	7th	7th	ADJ
abrj-471	203	6	ed	ed	NOUN
abrj-471	203	7	.	.	PUNCT
abrj-471	203	8	)	)	PUNCT
abrj-471	203	9	.	.	PUNCT
abrj-471	204	1	harlow	harlow	PROPN
abrj-471	204	2	,	,	PUNCT
abrj-471	204	3	uk	uk	PROPN
abrj-471	204	4	:	:	PUNCT
abrj-471	204	5	pearson	pearson	PROPN
abrj-471	204	6	.	.	PUNCT
abrj-471	205	1	(	(	PUNCT
abrj-471	205	2	no	no	DET
abrj-471	205	3	doi	doi	NOUN
abrj-471	205	4	—	—	PUNCT
abrj-471	205	5	textbook	textbook	NOUN
abrj-471	205	6	.	.	PUNCT
abrj-471	205	7	)	)	PUNCT
abrj-471	206	1	hang	hang	VERB
abrj-471	206	2	my	my	PRON
abrj-471	206	3	dao	dao	NOUN
abrj-471	206	4	,	,	PUNCT
abrj-471	206	5	nguyen	nguyen	PROPN
abrj-471	206	6	t.	t.	PROPN
abrj-471	206	7	 	 	SPACE
abrj-471	206	8	t.	t.	PROPN
abrj-471	206	9	,	,	PUNCT
abrj-471	206	10	dang	dang	PROPN
abrj-471	206	11	h.	h.	PROPN
abrj-471	206	12	 	 	SPACE
abrj-471	206	13	t.	t.	PROPN
abrj-471	206	14	,	,	PUNCT
abrj-471	206	15	&	&	CCONJ
abrj-471	206	16	nguyen	nguyen	PROPN
abrj-471	206	17	t.	t.	PROPN
abrj-471	206	18	 	 	SPACE
abrj-471	206	19	t.	t.	PROPN
abrj-471	206	20	 	 	SPACE
abrj-471	206	21	l.	l.	PROPN
abrj-471	206	22	(	(	PUNCT
abrj-471	206	23	2018	2018	NUM
abrj-471	206	24	)	)	PUNCT
abrj-471	206	25	.	.	PUNCT
abrj-471	207	1	factors	factor	NOUN
abrj-471	207	2	affecting	affect	VERB
abrj-471	207	3	individual	individual	ADJ
abrj-471	207	4	customers	customer	NOUN
abrj-471	207	5	’	’	PART
abrj-471	207	6	decision	decision	NOUN
abrj-471	207	7	to	to	PART
abrj-471	207	8	use	use	VERB
abrj-471	207	9	fintech	fintech	NOUN
abrj-471	207	10	services	service	NOUN
abrj-471	207	11	in	in	ADP
abrj-471	207	12	payment	payment	NOUN
abrj-471	207	13	activities	activity	NOUN
abrj-471	207	14	in	in	ADP
abrj-471	207	15	vietnam	vietnam	PROPN
abrj-471	207	16	.	.	PUNCT
abrj-471	208	1	journal	journal	PROPN
abrj-471	208	2	of	of	ADP
abrj-471	208	3	banking	banking	NOUN
abrj-471	208	4	research	research	NOUN
abrj-471	208	5	and	and	CCONJ
abrj-471	208	6	training	training	NOUN
abrj-471	208	7	,	,	PUNCT
abrj-471	208	8	194	194	NUM
abrj-471	208	9	.	.	PUNCT
abrj-471	209	1	asian	asian	ADJ
abrj-471	209	2	business	business	PROPN
abrj-471	209	3	research	research	NOUN
abrj-471	209	4	journal	journal	NOUN
abrj-471	209	5	,	,	PUNCT
abrj-471	209	6	2025	2025	NUM
abrj-471	209	7	,	,	PUNCT
abrj-471	209	8	10(6	10(6	NUM
abrj-471	209	9	):	):	PUNCT
abrj-471	209	10	21	21	NUM
abrj-471	209	11	-	-	SYM
abrj-471	209	12	27	27	NUM
abrj-471	209	13	27	27	NUM
abrj-471	209	14	©	©	ADP
abrj-471	209	15	2025	2025	NUM
abrj-471	209	16	by	by	ADP
abrj-471	209	17	the	the	DET
abrj-471	209	18	authors	author	NOUN
abrj-471	209	19	;	;	PUNCT
abrj-471	209	20	licensee	licensee	NOUN
abrj-471	209	21	eastern	eastern	ADJ
abrj-471	209	22	centre	centre	NOUN
abrj-471	209	23	of	of	ADP
abrj-471	209	24	science	science	NOUN
abrj-471	209	25	and	and	CCONJ
abrj-471	209	26	education	education	NOUN
abrj-471	209	27	,	,	PUNCT
abrj-471	209	28	usa	usa	PROPN
abrj-471	209	29	tran	tran	PROPN
abrj-471	209	30	t.	t.	PROPN
abrj-471	209	31	 	 	SPACE
abrj-471	209	32	t.	t.	PROPN
abrj-471	209	33	 	 	SPACE
abrj-471	209	34	h.	h.	PROPN
abrj-471	209	35	(	(	PUNCT
abrj-471	209	36	2021	2021	NUM
abrj-471	209	37	)	)	PUNCT
abrj-471	209	38	.	.	PUNCT
abrj-471	210	1	factors	factor	NOUN
abrj-471	210	2	affecting	affect	VERB
abrj-471	210	3	the	the	DET
abrj-471	210	4	consumer	consumer	NOUN
abrj-471	210	5	use	use	NOUN
abrj-471	210	6	of	of	ADP
abrj-471	210	7	fintech	fintech	NOUN
abrj-471	210	8	services	service	NOUN
abrj-471	210	9	in	in	ADP
abrj-471	210	10	vietnam	vietnam	PROPN
abrj-471	210	11	.	.	PUNCT
abrj-471	211	1	industrial	industrial	PROPN
abrj-471	211	2	&	&	CCONJ
abrj-471	211	3	trade	trade	PROPN
abrj-471	211	4	review	review	PROPN
abrj-471	211	5	,	,	PUNCT
abrj-471	211	6	17	17	NUM
abrj-471	211	7	.	.	PUNCT
abrj-471	212	1	krueger	krueger	PROPN
abrj-471	212	2	,	,	PUNCT
abrj-471	212	3	n.	n.	PROPN
abrj-471	212	4	 	 	SPACE
abrj-471	212	5	f.	f.	PROPN
abrj-471	212	6	,	,	PUNCT
abrj-471	212	7	&	&	CCONJ
abrj-471	212	8	carsrud	carsrud	NOUN
abrj-471	212	9	,	,	PUNCT
abrj-471	212	10	a.	a.	PROPN
abrj-471	212	11	 	 	SPACE
abrj-471	212	12	l.	l.	PROPN
abrj-471	212	13	(	(	PUNCT
abrj-471	212	14	1993	1993	NUM
abrj-471	212	15	)	)	PUNCT
abrj-471	212	16	.	.	PUNCT
abrj-471	213	1	entrepreneurial	entrepreneurial	ADJ
abrj-471	213	2	intentions	intention	NOUN
abrj-471	213	3	:	:	PUNCT
abrj-471	213	4	applying	apply	VERB
abrj-471	213	5	the	the	DET
abrj-471	213	6	theory	theory	NOUN
abrj-471	213	7	of	of	ADP
abrj-471	213	8	planned	plan	VERB
abrj-471	213	9	behavior	behavior	NOUN
abrj-471	213	10	.	.	PUNCT
abrj-471	214	1	entrepreneurship	entrepreneurship	NOUN
abrj-471	214	2	&	&	CCONJ
abrj-471	214	3	regional	regional	ADJ
abrj-471	214	4	development	development	NOUN
abrj-471	214	5	,	,	PUNCT
abrj-471	214	6	5(4	5(4	NUM
abrj-471	214	7	)	)	PUNCT
abrj-471	214	8	,	,	PUNCT
abrj-471	214	9	315–330	315–330	NUM
abrj-471	214	10	.	.	PUNCT
abrj-471	214	11	kumar	kumar	PROPN
abrj-471	214	12	,	,	PUNCT
abrj-471	214	13	p.	p.	PROPN
abrj-471	214	14	,	,	PUNCT
abrj-471	214	15	pillai	pillai	PROPN
abrj-471	214	16	,	,	PUNCT
abrj-471	214	17	r.	r.	PROPN
abrj-471	214	18	,	,	PUNCT
abrj-471	214	19	kumar	kumar	PROPN
abrj-471	214	20	,	,	PUNCT
abrj-471	214	21	n.	n.	NOUN
abrj-471	214	22	,	,	PUNCT
abrj-471	214	23	&	&	CCONJ
abrj-471	214	24	tabash	tabash	PROPN
abrj-471	214	25	,	,	PUNCT
abrj-471	214	26	m.	m.	NOUN
abrj-471	214	27	 	 	SPACE
abrj-471	214	28	i.	i.	NOUN
abrj-471	214	29	(	(	PUNCT
abrj-471	214	30	2023	2023	NUM
abrj-471	214	31	)	)	PUNCT
abrj-471	214	32	.	.	PUNCT
abrj-471	215	1	the	the	DET
abrj-471	215	2	interplay	interplay	NOUN
abrj-471	215	3	of	of	ADP
abrj-471	215	4	skills	skill	NOUN
abrj-471	215	5	,	,	PUNCT
abrj-471	215	6	digital	digital	ADJ
abrj-471	215	7	financial	financial	ADJ
abrj-471	215	8	literacy	literacy	NOUN
abrj-471	215	9	,	,	PUNCT
abrj-471	215	10	capability	capability	NOUN
abrj-471	215	11	,	,	PUNCT
abrj-471	215	12	and	and	CCONJ
abrj-471	215	13	autonomy	autonomy	NOUN
abrj-471	215	14	in	in	ADP
abrj-471	215	15	financial	financial	ADJ
abrj-471	215	16	decision	decision	NOUN
abrj-471	215	17	making	making	NOUN
abrj-471	215	18	and	and	CCONJ
abrj-471	215	19	well	well	ADV
abrj-471	215	20	-	-	PUNCT
abrj-471	215	21	being	being	NOUN
abrj-471	215	22	.	.	PUNCT
abrj-471	216	1	borsa	borsa	PROPN
abrj-471	216	2	istanbul	istanbul	PROPN
abrj-471	216	3	review	review	PROPN
abrj-471	216	4	,	,	PUNCT
abrj-471	216	5	23(1	23(1	NUM
abrj-471	216	6	)	)	PUNCT
abrj-471	216	7	,	,	PUNCT
abrj-471	216	8	169–183	169–183	NUM
abrj-471	216	9	.	.	PUNCT
abrj-471	217	1	doi	doi	NOUN
abrj-471	217	2	:	:	PUNCT
abrj-471	217	3	10.1016	10.1016	NUM
abrj-471	217	4	/	/	SYM
abrj-471	217	5	j.bir.2022.09.012	j.bir.2022.09.012	PROPN
abrj-471	217	6	.	.	PUNCT
abrj-471	218	1	trịnh	trịnh	PROPN
abrj-471	218	2	thị	thị	PROPN
abrj-471	218	3	phan	phan	PROPN
abrj-471	218	4	lan	lan	PROPN
abrj-471	218	5	&	&	CCONJ
abrj-471	218	6	phạm	phạm	PROPN
abrj-471	218	7	thị	thị	PROPN
abrj-471	218	8	huệ	huệ	PROPN
abrj-471	218	9	(	(	PUNCT
abrj-471	218	10	2023	2023	NUM
abrj-471	218	11	)	)	PUNCT
abrj-471	218	12	.	.	PUNCT
abrj-471	219	1	the	the	DET
abrj-471	219	2	influence	influence	NOUN
abrj-471	219	3	of	of	ADP
abrj-471	219	4	risk	risk	NOUN
abrj-471	219	5	and	and	CCONJ
abrj-471	219	6	benefit	benefit	VERB
abrj-471	219	7	perceptions	perception	NOUN
abrj-471	219	8	on	on	ADP
abrj-471	219	9	young	young	ADJ
abrj-471	219	10	people	people	NOUN
abrj-471	219	11	’s	’s	PART
abrj-471	219	12	use	use	NOUN
abrj-471	219	13	of	of	ADP
abrj-471	219	14	fintech	fintech	NOUN
abrj-471	219	15	services	service	NOUN
abrj-471	219	16	in	in	ADP
abrj-471	219	17	hanoi	hanoi	PROPN
abrj-471	219	18	.	.	PUNCT
abrj-471	220	1	banking	banking	NOUN
abrj-471	220	2	review	review	PROPN
abrj-471	220	3	.	.	PUNCT
abrj-471	221	1	lindenberg	lindenberg	PROPN
abrj-471	221	2	,	,	PUNCT
abrj-471	221	3	s.	s.	PROPN
abrj-471	221	4	,	,	PUNCT
abrj-471	221	5	&	&	CCONJ
abrj-471	221	6	steg	steg	PROPN
abrj-471	221	7	,	,	PUNCT
abrj-471	221	8	l.	l.	PROPN
abrj-471	221	9	(	(	PUNCT
abrj-471	221	10	2007	2007	NUM
abrj-471	221	11	)	)	PUNCT
abrj-471	221	12	.	.	PUNCT
abrj-471	222	1	normative	normative	ADJ
abrj-471	222	2	,	,	PUNCT
abrj-471	222	3	gain	gain	NOUN
abrj-471	222	4	and	and	CCONJ
abrj-471	222	5	hedonic	hedonic	ADJ
abrj-471	222	6	goal	goal	NOUN
abrj-471	222	7	frames	frame	VERB
abrj-471	222	8	guiding	guide	VERB
abrj-471	222	9	environmental	environmental	ADJ
abrj-471	222	10	behavior	behavior	NOUN
abrj-471	222	11	.	.	PUNCT
abrj-471	223	1	journal	journal	PROPN
abrj-471	223	2	of	of	ADP
abrj-471	223	3	social	social	ADJ
abrj-471	223	4	issues	issue	NOUN
abrj-471	223	5	,	,	PUNCT
abrj-471	223	6	63(1	63(1	NUM
abrj-471	223	7	)	)	PUNCT
abrj-471	223	8	,	,	PUNCT
abrj-471	223	9	117–137	117–137	NUM
abrj-471	223	10	.	.	PUNCT
abrj-471	224	1	liñán	liñán	PROPN
abrj-471	224	2	,	,	PUNCT
abrj-471	224	3	f.	f.	PROPN
abrj-471	224	4	,	,	PUNCT
abrj-471	224	5	&	&	CCONJ
abrj-471	224	6	chen	chen	PROPN
abrj-471	224	7	,	,	PUNCT
abrj-471	224	8	y.	y.	PROPN
abrj-471	224	9	 	 	SPACE
abrj-471	224	10	w.	w.	PROPN
abrj-471	224	11	(	(	PUNCT
abrj-471	224	12	2009	2009	NUM
abrj-471	224	13	)	)	PUNCT
abrj-471	224	14	.	.	PUNCT
abrj-471	225	1	development	development	NOUN
abrj-471	225	2	and	and	CCONJ
abrj-471	225	3	cross	cross	ADJ
abrj-471	225	4	–	–	PUNCT
abrj-471	225	5	cultural	cultural	ADJ
abrj-471	225	6	application	application	NOUN
abrj-471	225	7	of	of	ADP
abrj-471	225	8	a	a	DET
abrj-471	225	9	specific	specific	ADJ
abrj-471	225	10	instrument	instrument	NOUN
abrj-471	225	11	to	to	PART
abrj-471	225	12	measure	measure	VERB
abrj-471	225	13	entrepreneurial	entrepreneurial	ADJ
abrj-471	225	14	intentions	intention	NOUN
abrj-471	225	15	.	.	PUNCT
abrj-471	226	1	entrepreneurship	entrepreneurship	NOUN
abrj-471	226	2	theory	theory	NOUN
abrj-471	226	3	and	and	CCONJ
abrj-471	226	4	practice	practice	NOUN
abrj-471	226	5	,	,	PUNCT
abrj-471	226	6	33(3	33(3	NOUN
abrj-471	226	7	)	)	PUNCT
abrj-471	226	8	,	,	PUNCT
abrj-471	226	9	593–617	593–617	NUM
abrj-471	226	10	.	.	PUNCT
abrj-471	226	11	doi	doi	NOUN
abrj-471	226	12	:	:	PUNCT
abrj-471	226	13	10.1111	10.1111	NUM
abrj-471	226	14	/	/	SYM
abrj-471	226	15	j.1540	j.1540	PROPN
abrj-471	226	16	-	-	PUNCT
abrj-471	226	17	6520.2009.00318.x	6520.2009.00318.x	PROPN
abrj-471	226	18	.	.	PUNCT
abrj-471	227	1	morgan	morgan	PROPN
abrj-471	227	2	,	,	PUNCT
abrj-471	227	3	p.	p.	PROPN
abrj-471	227	4	 	 	SPACE
abrj-471	227	5	j.	j.	PROPN
abrj-471	227	6	,	,	PUNCT
abrj-471	227	7	&	&	CCONJ
abrj-471	227	8	trinh	trinh	PROPN
abrj-471	227	9	,	,	PUNCT
abrj-471	227	10	l.	l.	PROPN
abrj-471	227	11	 	 	SPACE
abrj-471	227	12	q.	q.	PROPN
abrj-471	227	13	(	(	PUNCT
abrj-471	227	14	2019	2019	NUM
abrj-471	227	15	)	)	PUNCT
abrj-471	227	16	.	.	PUNCT
abrj-471	228	1	determinants	determinant	NOUN
abrj-471	228	2	and	and	CCONJ
abrj-471	228	3	impacts	impact	NOUN
abrj-471	228	4	of	of	ADP
abrj-471	228	5	financial	financial	ADJ
abrj-471	228	6	literacy	literacy	NOUN
abrj-471	228	7	in	in	ADP
abrj-471	228	8	cambodia	cambodia	PROPN
abrj-471	228	9	and	and	CCONJ
abrj-471	228	10	vietnam	vietnam	PROPN
abrj-471	228	11	.	.	PUNCT
abrj-471	228	12	journal	journal	PROPN
abrj-471	228	13	of	of	ADP
abrj-471	228	14	risk	risk	NOUN
abrj-471	228	15	and	and	CCONJ
abrj-471	228	16	financial	financial	ADJ
abrj-471	228	17	management	management	NOUN
abrj-471	228	18	,	,	PUNCT
abrj-471	228	19	12(1	12(1	NUM
abrj-471	228	20	)	)	PUNCT
abrj-471	228	21	,	,	PUNCT
abrj-471	228	22	1–24	1–24	PROPN
abrj-471	228	23	.	.	PUNCT
abrj-471	229	1	nathan	nathan	PROPN
abrj-471	229	2	,	,	PUNCT
abrj-471	229	3	r.	r.	PROPN
abrj-471	229	4	 	 	SPACE
abrj-471	229	5	j.	j.	PROPN
abrj-471	229	6	,	,	PUNCT
abrj-471	229	7	setiawan	setiawan	PROPN
abrj-471	229	8	,	,	PUNCT
abrj-471	229	9	b.	b.	PROPN
abrj-471	229	10	,	,	PUNCT
abrj-471	229	11	&	&	CCONJ
abrj-471	229	12	quynh	quynh	PROPN
abrj-471	229	13	,	,	PUNCT
abrj-471	229	14	m.	m.	NOUN
abrj-471	229	15	 	 	SPACE
abrj-471	229	16	n.	n.	PROPN
abrj-471	229	17	(	(	PUNCT
abrj-471	229	18	2022	2022	NUM
abrj-471	229	19	)	)	PUNCT
abrj-471	229	20	.	.	PUNCT
abrj-471	230	1	fintech	fintech	NOUN
abrj-471	230	2	and	and	CCONJ
abrj-471	230	3	financial	financial	ADJ
abrj-471	230	4	health	health	NOUN
abrj-471	230	5	in	in	ADP
abrj-471	230	6	vietnam	vietnam	PROPN
abrj-471	230	7	during	during	ADP
abrj-471	230	8	the	the	DET
abrj-471	230	9	covid-19	covid-19	PROPN
abrj-471	230	10	pandemic	pandemic	NOUN
abrj-471	230	11	:	:	PUNCT
abrj-471	230	12	in	in	ADP
abrj-471	230	13	-	-	PUNCT
abrj-471	230	14	depth	depth	ADJ
abrj-471	230	15	descriptive	descriptive	ADJ
abrj-471	230	16	analysis	analysis	NOUN
abrj-471	230	17	.	.	PUNCT
abrj-471	231	1	journal	journal	NOUN
abrj-471	231	2	of	of	ADP
abrj-471	231	3	risk	risk	NOUN
abrj-471	231	4	and	and	CCONJ
abrj-471	231	5	financial	financial	ADJ
abrj-471	231	6	management	management	NOUN
abrj-471	231	7	,	,	PUNCT
abrj-471	231	8	15(3	15(3	NUM
abrj-471	231	9	)	)	PUNCT
abrj-471	231	10	,	,	PUNCT
abrj-471	231	11	125	125	NUM
abrj-471	231	12	.	.	PUNCT
abrj-471	232	1	doi	doi	NOUN
abrj-471	232	2	:	:	PUNCT
abrj-471	232	3	10.3390	10.3390	NUM
abrj-471	232	4	/	/	SYM
abrj-471	232	5	jrfm15030125	jrfm15030125	PROPN
abrj-471	232	6	.	.	PUNCT
abrj-471	233	1	phung	phung	PROPN
abrj-471	233	2	,	,	PUNCT
abrj-471	233	3	t.	t.	PROPN
abrj-471	233	4	 	 	SPACE
abrj-471	233	5	m.	m.	NOUN
abrj-471	233	6	 	 	SPACE
abrj-471	233	7	t.	t.	PROPN
abrj-471	233	8	(	(	PUNCT
abrj-471	233	9	2023	2023	NUM
abrj-471	233	10	)	)	PUNCT
abrj-471	233	11	.	.	PUNCT
abrj-471	234	1	vietnam	vietnam	PROPN
abrj-471	234	2	fintech	fintech	NOUN
abrj-471	234	3	industry	industry	NOUN
abrj-471	234	4	and	and	CCONJ
abrj-471	234	5	government	government	NOUN
abrj-471	234	6	support	support	NOUN
abrj-471	234	7	:	:	PUNCT
abrj-471	234	8	a	a	DET
abrj-471	234	9	role	role	NOUN
abrj-471	234	10	of	of	ADP
abrj-471	234	11	fintech	fintech	NOUN
abrj-471	234	12	entrepreneurial	entrepreneurial	ADJ
abrj-471	234	13	intention	intention	NOUN
abrj-471	234	14	.	.	PUNCT
abrj-471	235	1	public	public	ADJ
abrj-471	235	2	organization	organization	NOUN
abrj-471	235	3	review	review	NOUN
abrj-471	235	4	,	,	PUNCT
abrj-471	235	5	1–25	1–25	PROPN
abrj-471	235	6	.	.	PUNCT
abrj-471	235	7	prasad	prasad	PROPN
abrj-471	235	8	,	,	PUNCT
abrj-471	235	9	h.	h.	PROPN
abrj-471	235	10	,	,	PUNCT
abrj-471	235	11	meghwal	meghwal	PROPN
abrj-471	235	12	,	,	PUNCT
abrj-471	235	13	d.	d.	PROPN
abrj-471	235	14	,	,	PUNCT
abrj-471	235	15	&	&	CCONJ
abrj-471	235	16	dayama	dayama	NOUN
abrj-471	235	17	,	,	PUNCT
abrj-471	235	18	v.	v.	PROPN
abrj-471	235	19	(	(	PUNCT
abrj-471	235	20	2018	2018	NUM
abrj-471	235	21	)	)	PUNCT
abrj-471	235	22	.	.	PUNCT
abrj-471	236	1	digital	digital	ADJ
abrj-471	236	2	financial	financial	ADJ
abrj-471	236	3	literacy	literacy	NOUN
abrj-471	236	4	:	:	PUNCT
abrj-471	236	5	a	a	DET
abrj-471	236	6	study	study	NOUN
abrj-471	236	7	of	of	ADP
abrj-471	236	8	households	household	NOUN
abrj-471	236	9	of	of	ADP
abrj-471	236	10	udaipur	udaipur	PROPN
abrj-471	236	11	.	.	PUNCT
abrj-471	237	1	journal	journal	PROPN
abrj-471	237	2	of	of	ADP
abrj-471	237	3	business	business	NOUN
abrj-471	237	4	and	and	CCONJ
abrj-471	237	5	management	management	NOUN
abrj-471	237	6	,	,	PUNCT
abrj-471	237	7	5	5	NUM
abrj-471	237	8	,	,	PUNCT
abrj-471	237	9	23–32	23–32	NUM
abrj-471	237	10	.	.	PUNCT
abrj-471	238	1	(	(	PUNCT
abrj-471	238	2	no	no	DET
abrj-471	238	3	doi	doi	NOUN
abrj-471	238	4	.	.	PUNCT
abrj-471	238	5	)	)	PUNCT
abrj-471	239	1	qin	qin	INTJ
abrj-471	239	2	,	,	PUNCT
abrj-471	239	3	x.	x.	PROPN
abrj-471	239	4	,	,	PUNCT
abrj-471	239	5	wu	wu	PROPN
abrj-471	239	6	,	,	PUNCT
abrj-471	239	7	h.	h.	PROPN
abrj-471	239	8	,	,	PUNCT
abrj-471	239	9	&	&	CCONJ
abrj-471	239	10	li	li	PROPN
abrj-471	239	11	,	,	PUNCT
abrj-471	239	12	r.	r.	PROPN
abrj-471	239	13	(	(	PUNCT
abrj-471	239	14	2022	2022	NUM
abrj-471	239	15	)	)	PUNCT
abrj-471	239	16	.	.	PUNCT
abrj-471	240	1	digital	digital	ADJ
abrj-471	240	2	finance	finance	NOUN
abrj-471	240	3	and	and	CCONJ
abrj-471	240	4	household	household	NOUN
abrj-471	240	5	carbon	carbon	NOUN
abrj-471	240	6	emissions	emission	NOUN
abrj-471	240	7	in	in	ADP
abrj-471	240	8	china	china	PROPN
abrj-471	240	9	.	.	PUNCT
abrj-471	241	1	china	china	PROPN
abrj-471	241	2	economic	economic	PROPN
abrj-471	241	3	review	review	PROPN
abrj-471	241	4	,	,	PUNCT
abrj-471	241	5	76	76	NUM
abrj-471	241	6	,	,	PUNCT
abrj-471	241	7	101872	101872	NUM
abrj-471	241	8	.	.	PUNCT
abrj-471	242	1	doi	doi	NOUN
abrj-471	242	2	:	:	PUNCT
abrj-471	242	3	10.1016	10.1016	NUM
abrj-471	242	4	/	/	SYM
abrj-471	242	5	j.chieco.2022.101872	j.chieco.2022.101872	PROPN
abrj-471	242	6	.	.	PUNCT
abrj-471	243	1	setiawan	setiawan	PROPN
abrj-471	243	2	,	,	PUNCT
abrj-471	243	3	m.	m.	NOUN
abrj-471	243	4	,	,	PUNCT
abrj-471	243	5	effendi	effendi	X
abrj-471	243	6	,	,	PUNCT
abrj-471	243	7	n.	n.	NOUN
abrj-471	243	8	,	,	PUNCT
abrj-471	243	9	santoso	santoso	NOUN
abrj-471	243	10	,	,	PUNCT
abrj-471	243	11	t.	t.	PROPN
abrj-471	243	12	,	,	PUNCT
abrj-471	243	13	dewi	dewi	PROPN
abrj-471	243	14	,	,	PUNCT
abrj-471	243	15	v.	v.	PROPN
abrj-471	243	16	 	 	SPACE
abrj-471	243	17	i.	i.	NOUN
abrj-471	243	18	,	,	PUNCT
abrj-471	243	19	&	&	CCONJ
abrj-471	243	20	sapulette	sapulette	PROPN
abrj-471	243	21	,	,	PUNCT
abrj-471	243	22	m.	m.	NOUN
abrj-471	243	23	 	 	SPACE
abrj-471	243	24	s.	s.	PROPN
abrj-471	243	25	(	(	PUNCT
abrj-471	243	26	2022	2022	NUM
abrj-471	243	27	)	)	PUNCT
abrj-471	243	28	.	.	PUNCT
abrj-471	244	1	digital	digital	ADJ
abrj-471	244	2	financial	financial	ADJ
abrj-471	244	3	literacy	literacy	NOUN
abrj-471	244	4	,	,	PUNCT
abrj-471	244	5	current	current	ADJ
abrj-471	244	6	behavior	behavior	NOUN
abrj-471	244	7	of	of	ADP
abrj-471	244	8	saving	saving	NOUN
abrj-471	244	9	and	and	CCONJ
abrj-471	244	10	spending	spending	NOUN
abrj-471	244	11	and	and	CCONJ
abrj-471	244	12	its	its	PRON
abrj-471	244	13	future	future	ADJ
abrj-471	244	14	foresight	foresight	NOUN
abrj-471	244	15	.	.	PUNCT
abrj-471	245	1	economics	economic	NOUN
abrj-471	245	2	of	of	ADP
abrj-471	245	3	innovation	innovation	NOUN
abrj-471	245	4	and	and	CCONJ
abrj-471	245	5	new	new	ADJ
abrj-471	245	6	technology	technology	NOUN
abrj-471	245	7	,	,	PUNCT
abrj-471	245	8	31(4	31(4	NUM
abrj-471	245	9	)	)	PUNCT
abrj-471	245	10	,	,	PUNCT
abrj-471	245	11	320–338	320–338	NUM
abrj-471	245	12	.	.	PUNCT
abrj-471	246	1	doi	doi	NOUN
abrj-471	246	2	:	:	PUNCT
abrj-471	246	3	10.1080/10438599.2020.1799142	10.1080/10438599.2020.1799142	NUM
abrj-471	246	4	.	.	PUNCT
abrj-471	247	1	song	song	NOUN
abrj-471	247	2	,	,	PUNCT
abrj-471	247	3	n.	n.	NOUN
abrj-471	247	4	,	,	PUNCT
abrj-471	247	5	&	&	CCONJ
abrj-471	247	6	appiah	appiah	PROPN
abrj-471	247	7	-	-	PUNCT
abrj-471	247	8	otoo	otoo	NOUN
abrj-471	247	9	,	,	PUNCT
abrj-471	247	10	i.	i.	NOUN
abrj-471	247	11	(	(	PUNCT
abrj-471	247	12	2022	2022	NUM
abrj-471	247	13	)	)	PUNCT
abrj-471	247	14	.	.	PUNCT
abrj-471	248	1	the	the	DET
abrj-471	248	2	impact	impact	NOUN
abrj-471	248	3	of	of	ADP
abrj-471	248	4	fintech	fintech	NOUN
abrj-471	248	5	on	on	ADP
abrj-471	248	6	economic	economic	ADJ
abrj-471	248	7	growth	growth	NOUN
abrj-471	248	8	:	:	PUNCT
abrj-471	248	9	evidence	evidence	NOUN
abrj-471	248	10	from	from	ADP
abrj-471	248	11	china	china	PROPN
abrj-471	248	12	.	.	PUNCT
abrj-471	249	1	sustainability	sustainability	NOUN
abrj-471	249	2	,	,	PUNCT
abrj-471	249	3	14(10	14(10	NUM
abrj-471	249	4	)	)	PUNCT
abrj-471	249	5	,	,	PUNCT
abrj-471	249	6	6211	6211	NUM
abrj-471	249	7	.	.	PUNCT
abrj-471	250	1	doi	doi	NOUN
abrj-471	250	2	:	:	PUNCT
abrj-471	250	3	10.3390	10.3390	NUM
abrj-471	250	4	/	/	SYM
abrj-471	250	5	su14106211	su14106211	PROPN
abrj-471	250	6	.	.	PUNCT
abrj-471	251	1	to	to	PART
abrj-471	251	2	minh	minh	VERB
abrj-471	251	3	thu	thu	PROPN
abrj-471	251	4	(	(	PUNCT
abrj-471	251	5	2022	2022	NUM
abrj-471	251	6	)	)	PUNCT
abrj-471	251	7	.	.	PUNCT
abrj-471	252	1	improving	improve	VERB
abrj-471	252	2	digital	digital	ADJ
abrj-471	252	3	financial	financial	ADJ
abrj-471	252	4	literacy	literacy	NOUN
abrj-471	252	5	to	to	PART
abrj-471	252	6	promote	promote	VERB
abrj-471	252	7	financial	financial	ADJ
abrj-471	252	8	inclusion	inclusion	NOUN
abrj-471	252	9	in	in	ADP
abrj-471	252	10	the	the	DET
abrj-471	252	11	digital	digital	ADJ
abrj-471	252	12	age	age	NOUN
abrj-471	252	13	.	.	PUNCT
abrj-471	253	1	financial	financial	PROPN
abrj-471	253	2	&	&	CCONJ
abrj-471	253	3	monetary	monetary	ADJ
abrj-471	253	4	market	market	NOUN
abrj-471	253	5	review	review	NOUN
abrj-471	253	6	.	.	PUNCT
abrj-471	254	1	venkatesh	venkatesh	PROPN
abrj-471	254	2	,	,	PUNCT
abrj-471	254	3	v.	v.	PROPN
abrj-471	254	4	,	,	PUNCT
abrj-471	254	5	speier	speier	NOUN
abrj-471	254	6	-	-	PUNCT
abrj-471	254	7	pero	pero	PROPN
abrj-471	254	8	,	,	PUNCT
abrj-471	254	9	c.	c.	PROPN
abrj-471	254	10	,	,	PUNCT
abrj-471	254	11	&	&	CCONJ
abrj-471	254	12	schuetz	schuetz	PROPN
abrj-471	254	13	,	,	PUNCT
abrj-471	254	14	s.	s.	PROPN
abrj-471	254	15	(	(	PUNCT
abrj-471	254	16	2022	2022	NUM
abrj-471	254	17	)	)	PUNCT
abrj-471	254	18	.	.	PUNCT
abrj-471	255	1	why	why	SCONJ
abrj-471	255	2	do	do	AUX
abrj-471	255	3	people	people	NOUN
abrj-471	255	4	shop	shop	VERB
abrj-471	255	5	online	online	ADV
abrj-471	255	6	?	?	PUNCT
abrj-471	256	1	a	a	DET
abrj-471	256	2	comprehensive	comprehensive	ADJ
abrj-471	256	3	framework	framework	NOUN
abrj-471	256	4	of	of	ADP
abrj-471	256	5	consumers	consumer	NOUN
abrj-471	256	6	’	'	PUNCT
abrj-471	256	7	online	online	ADJ
abrj-471	256	8	shopping	shopping	NOUN
abrj-471	256	9	intentions	intention	NOUN
abrj-471	256	10	and	and	CCONJ
abrj-471	256	11	behaviors	behavior	NOUN
abrj-471	256	12	.	.	PUNCT
abrj-471	257	1	information	information	NOUN
abrj-471	257	2	technology	technology	PROPN
abrj-471	257	3	&	&	CCONJ
abrj-471	257	4	people	people	NOUN
abrj-471	257	5	,	,	PUNCT
abrj-471	257	6	35(5	35(5	NUM
abrj-471	257	7	)	)	PUNCT
abrj-471	257	8	,	,	PUNCT
abrj-471	257	9	1590–1620	1590–1620	NUM
abrj-471	257	10	.	.	PUNCT
abrj-471	258	1	doi	doi	NOUN
abrj-471	258	2	:	:	PUNCT
abrj-471	258	3	10.1108	10.1108	NUM
abrj-471	258	4	/	/	SYM
abrj-471	258	5	itp-12	itp-12	NOUN
abrj-471	258	6	-	-	PUNCT
abrj-471	258	7	2020	2020	NUM
abrj-471	258	8	-	-	PUNCT
abrj-471	258	9	0867	0867	NUM
abrj-471	258	10	.	.	PUNCT
abrj-471	259	1	wu	wu	PROPN
abrj-471	259	2	,	,	PUNCT
abrj-471	259	3	j.	j.	PROPN
abrj-471	259	4	,	,	PUNCT
abrj-471	259	5	&	&	CCONJ
abrj-471	259	6	wu	wu	PROPN
abrj-471	259	7	,	,	PUNCT
abrj-471	259	8	l.	l.	PROPN
abrj-471	259	9	(	(	PUNCT
abrj-471	259	10	2023	2023	NUM
abrj-471	259	11	)	)	PUNCT
abrj-471	259	12	.	.	PUNCT
abrj-471	260	1	impacts	impact	NOUN
abrj-471	260	2	of	of	ADP
abrj-471	260	3	digital	digital	ADJ
abrj-471	260	4	inclusive	inclusive	ADJ
abrj-471	260	5	finance	finance	NOUN
abrj-471	260	6	on	on	ADP
abrj-471	260	7	household	household	NOUN
abrj-471	260	8	entrepreneurship	entrepreneurship	NOUN
abrj-471	260	9	.	.	PUNCT
abrj-471	261	1	finance	finance	NOUN
abrj-471	261	2	research	research	NOUN
abrj-471	261	3	letters	letter	NOUN
abrj-471	261	4	,	,	PUNCT
abrj-471	261	5	56	56	NUM
abrj-471	261	6	,	,	PUNCT
abrj-471	261	7	104114	104114	NUM
abrj-471	261	8	.	.	PUNCT
abrj-471	262	1	doi	doi	NOUN
abrj-471	262	2	:	:	PUNCT
abrj-471	262	3	10.1016	10.1016	NUM
abrj-471	262	4	/	/	SYM
abrj-471	262	5	j.frl.2023.104114	j.frl.2023.104114	PROPN
abrj-471	262	6	yang	yang	PROPN
abrj-471	262	7	,	,	PUNCT
abrj-471	262	8	t.	t.	PROPN
abrj-471	262	9	,	,	PUNCT
abrj-471	262	10	&	&	CCONJ
abrj-471	262	11	zhang	zhang	PROPN
abrj-471	262	12	,	,	PUNCT
abrj-471	262	13	x.	x.	NOUN
abrj-471	262	14	(	(	PUNCT
abrj-471	262	15	2022	2022	NUM
abrj-471	262	16	)	)	PUNCT
abrj-471	262	17	.	.	PUNCT
abrj-471	263	1	fintech	fintech	NOUN
abrj-471	263	2	adoption	adoption	NOUN
abrj-471	263	3	and	and	CCONJ
abrj-471	263	4	financial	financial	ADJ
abrj-471	263	5	inclusion	inclusion	NOUN
abrj-471	263	6	:	:	PUNCT
abrj-471	263	7	evidence	evidence	NOUN
abrj-471	263	8	from	from	ADP
abrj-471	263	9	household	household	NOUN
abrj-471	263	10	consumption	consumption	NOUN
abrj-471	263	11	in	in	ADP
abrj-471	263	12	china	china	PROPN
abrj-471	263	13	.	.	PUNCT
abrj-471	264	1	journal	journal	PROPN
abrj-471	264	2	of	of	ADP
abrj-471	264	3	banking	banking	NOUN
abrj-471	264	4	&	&	CCONJ
abrj-471	264	5	finance	finance	PROPN
abrj-471	264	6	,	,	PUNCT
abrj-471	264	7	145	145	NUM
abrj-471	264	8	,	,	PUNCT
abrj-471	264	9	106668	106668	NUM
abrj-471	264	10	.	.	PUNCT
abrj-471	265	1	doi	doi	NOUN
abrj-471	265	2	:	:	PUNCT
abrj-471	265	3	10.1016	10.1016	NUM
abrj-471	265	4	/	/	SYM
abrj-471	265	5	j.jbankfin.2022.106668	j.jbankfin.2022.106668	PROPN