id	sid	tid	token	lemma	pos
abrj-495	1	1	50	50	NUM
abrj-495	1	2	©	©	PROPN
abrj-495	1	3	2025	2025	NUM
abrj-495	1	4	by	by	ADP
abrj-495	1	5	the	the	DET
abrj-495	1	6	authors	author	NOUN
abrj-495	1	7	;	;	PUNCT
abrj-495	1	8	licensee	licensee	NOUN
abrj-495	1	9	eastern	eastern	ADJ
abrj-495	1	10	centre	centre	NOUN
abrj-495	1	11	of	of	ADP
abrj-495	1	12	science	science	NOUN
abrj-495	1	13	and	and	CCONJ
abrj-495	1	14	education	education	NOUN
abrj-495	1	15	,	,	PUNCT
abrj-495	1	16	usa	usa	PROPN
abrj-495	1	17	asian	asian	PROPN
abrj-495	1	18	business	business	PROPN
abrj-495	1	19	research	research	PROPN
abrj-495	1	20	journal	journal	PROPN
abrj-495	1	21	vol	vol	NOUN
abrj-495	1	22	.	.	PROPN
abrj-495	2	1	10	10	NUM
abrj-495	2	2	,	,	PUNCT
abrj-495	2	3	no	no	INTJ
abrj-495	2	4	.	.	NOUN
abrj-495	2	5	7	7	NUM
abrj-495	2	6	,	,	PUNCT
abrj-495	2	7	50	50	NUM
abrj-495	2	8	-	-	SYM
abrj-495	2	9	59	59	NUM
abrj-495	2	10	,	,	PUNCT
abrj-495	2	11	2025	2025	NUM
abrj-495	2	12	issn	issn	NOUN
abrj-495	2	13	:	:	PUNCT
abrj-495	2	14	2576	2576	NUM
abrj-495	2	15	-	-	SYM
abrj-495	2	16	6759	6759	NUM
abrj-495	2	17	doi	doi	NOUN
abrj-495	2	18	:	:	PUNCT
abrj-495	2	19	10.55220/25766759.495	10.55220/25766759.495	NUM
abrj-495	2	20	©	©	NOUN
abrj-495	2	21	2025	2025	NUM
abrj-495	2	22	by	by	ADP
abrj-495	2	23	the	the	DET
abrj-495	2	24	authors	author	NOUN
abrj-495	2	25	;	;	PUNCT
abrj-495	2	26	licensee	licensee	NOUN
abrj-495	2	27	eastern	eastern	ADJ
abrj-495	2	28	centre	centre	NOUN
abrj-495	2	29	of	of	ADP
abrj-495	2	30	science	science	NOUN
abrj-495	2	31	and	and	CCONJ
abrj-495	2	32	education	education	NOUN
abrj-495	2	33	,	,	PUNCT
abrj-495	2	34	usa	usa	PROPN
abrj-495	2	35	interest	interest	NOUN
abrj-495	2	36	in	in	ADP
abrj-495	2	37	using	use	VERB
abrj-495	2	38	online	online	ADJ
abrj-495	2	39	loans	loan	NOUN
abrj-495	2	40	and	and	CCONJ
abrj-495	2	41	underlying	underlying	ADJ
abrj-495	2	42	factors	factor	NOUN
abrj-495	2	43	tri	tri	VERB
abrj-495	2	44	cicik	cicik	ADJ
abrj-495	2	45	wijayanti1	wijayanti1	NOUN
abrj-495	2	46			PROPN
abrj-495	2	47	ihsan	ihsan	PROPN
abrj-495	2	48	ashari2	ashari2	PROPN
abrj-495	3	1	dio	dio	PROPN
abrj-495	3	2	caisar	caisar	PROPN
abrj-495	3	3	darma3	darma3	VERB
abrj-495	3	4	1faculty	1faculty	NUM
abrj-495	3	5	of	of	ADP
abrj-495	3	6	economics	economic	NOUN
abrj-495	3	7	and	and	CCONJ
abrj-495	3	8	business	business	NOUN
abrj-495	3	9	,	,	PUNCT
abrj-495	3	10	universitas	universita	NOUN
abrj-495	3	11	gajayana	gajayana	PROPN
abrj-495	3	12	malang	malang	PROPN
abrj-495	3	13	,	,	PUNCT
abrj-495	3	14	east	east	PROPN
abrj-495	3	15	java	java	PROPN
abrj-495	3	16	,	,	PUNCT
abrj-495	3	17	indonesia	indonesia	PROPN
abrj-495	3	18	.	.	PUNCT
abrj-495	4	1	e	e	X
abrj-495	4	2	-	-	NOUN
abrj-495	4	3	mail	mail	NOUN
abrj-495	4	4	:	:	PUNCT
abrj-495	4	5	tricicik@unigamalang.ac.id	tricicik@unigamalang.ac.id	PROPN
abrj-495	4	6	2faculty	2faculty	NUM
abrj-495	4	7	of	of	ADP
abrj-495	4	8	economics	economic	NOUN
abrj-495	4	9	and	and	CCONJ
abrj-495	4	10	business	business	NOUN
abrj-495	4	11	,	,	PUNCT
abrj-495	4	12	universitas	universita	NOUN
abrj-495	4	13	siliwangi	siliwangi	NOUN
abrj-495	4	14	,	,	PUNCT
abrj-495	4	15	west	west	PROPN
abrj-495	4	16	java	java	PROPN
abrj-495	4	17	,	,	PUNCT
abrj-495	4	18	indonesia	indonesia	PROPN
abrj-495	4	19	.	.	PUNCT
abrj-495	5	1	e	e	X
abrj-495	5	2	-	-	NOUN
abrj-495	5	3	mail	mail	NOUN
abrj-495	5	4	:	:	PUNCT
abrj-495	5	5	ihsanashari@unsil.ac.id	ihsanashari@unsil.ac.id	NOUN
abrj-495	5	6	3faculty	3faculty	NUM
abrj-495	5	7	of	of	ADP
abrj-495	5	8	economics	economic	NOUN
abrj-495	5	9	and	and	CCONJ
abrj-495	5	10	business	business	NOUN
abrj-495	5	11	,	,	PUNCT
abrj-495	5	12	universitas	universita	NOUN
abrj-495	5	13	siliwangi	siliwangi	NOUN
abrj-495	5	14	,	,	PUNCT
abrj-495	5	15	west	west	PROPN
abrj-495	5	16	java	java	PROPN
abrj-495	5	17	,	,	PUNCT
abrj-495	5	18	indonesia	indonesia	PROPN
abrj-495	5	19	.	.	PUNCT
abrj-495	6	1	e	e	X
abrj-495	6	2	-	-	NOUN
abrj-495	6	3	mail	mail	NOUN
abrj-495	6	4	:	:	PUNCT
abrj-495	6	5	diocaisardarma@unsil.ac.id	diocaisardarma@unsil.ac.id	NOUN
abrj-495	6	6	(	(	PUNCT
abrj-495	6	7			PROPN
abrj-495	6	8	corresponding	correspond	VERB
abrj-495	6	9	author	author	NOUN
abrj-495	6	10	)	)	PUNCT
abrj-495	6	11	abstract	abstract	ADP
abrj-495	6	12	the	the	DET
abrj-495	6	13	trend	trend	NOUN
abrj-495	6	14	of	of	ADP
abrj-495	6	15	online	online	ADJ
abrj-495	6	16	loan	loan	NOUN
abrj-495	6	17	services	service	NOUN
abrj-495	6	18	in	in	ADP
abrj-495	6	19	indonesia	indonesia	PROPN
abrj-495	6	20	indicates	indicate	VERB
abrj-495	6	21	a	a	DET
abrj-495	6	22	high	high	ADJ
abrj-495	6	23	level	level	NOUN
abrj-495	6	24	of	of	ADP
abrj-495	6	25	public	public	ADJ
abrj-495	6	26	adoption	adoption	NOUN
abrj-495	6	27	of	of	ADP
abrj-495	6	28	digital	digital	ADJ
abrj-495	6	29	finance	finance	NOUN
abrj-495	6	30	.	.	PUNCT
abrj-495	7	1	uniquely	uniquely	ADV
abrj-495	7	2	,	,	PUNCT
abrj-495	7	3	this	this	DET
abrj-495	7	4	phenomenon	phenomenon	NOUN
abrj-495	7	5	also	also	ADV
abrj-495	7	6	presents	present	VERB
abrj-495	7	7	challenges	challenge	NOUN
abrj-495	7	8	,	,	PUNCT
abrj-495	7	9	such	such	ADJ
abrj-495	7	10	as	as	ADP
abrj-495	7	11	low	low	ADJ
abrj-495	7	12	public	public	ADJ
abrj-495	7	13	understanding	understanding	NOUN
abrj-495	7	14	of	of	ADP
abrj-495	7	15	financial	financial	ADJ
abrj-495	7	16	technology	technology	NOUN
abrj-495	7	17	(	(	PUNCT
abrj-495	7	18	fintech	fintech	NOUN
abrj-495	7	19	)	)	PUNCT
abrj-495	7	20	products	product	NOUN
abrj-495	7	21	.	.	PUNCT
abrj-495	8	1	the	the	DET
abrj-495	8	2	motivation	motivation	NOUN
abrj-495	8	3	for	for	ADP
abrj-495	8	4	this	this	DET
abrj-495	8	5	study	study	NOUN
abrj-495	8	6	is	be	AUX
abrj-495	8	7	to	to	PART
abrj-495	8	8	investigate	investigate	VERB
abrj-495	8	9	the	the	DET
abrj-495	8	10	attributes	attribute	NOUN
abrj-495	8	11	influencing	influence	VERB
abrj-495	8	12	interest	interest	NOUN
abrj-495	8	13	in	in	ADP
abrj-495	8	14	using	use	VERB
abrj-495	8	15	online	online	ADJ
abrj-495	8	16	loans	loan	NOUN
abrj-495	8	17	,	,	PUNCT
abrj-495	8	18	specifically	specifically	ADV
abrj-495	8	19	focusing	focus	VERB
abrj-495	8	20	on	on	ADP
abrj-495	8	21	financial	financial	ADJ
abrj-495	8	22	literacy	literacy	NOUN
abrj-495	8	23	,	,	PUNCT
abrj-495	8	24	consumer	consumer	NOUN
abrj-495	8	25	awareness	awareness	NOUN
abrj-495	8	26	,	,	PUNCT
abrj-495	8	27	and	and	CCONJ
abrj-495	8	28	ease	ease	NOUN
abrj-495	8	29	of	of	ADP
abrj-495	8	30	access	access	NOUN
abrj-495	8	31	,	,	PUNCT
abrj-495	8	32	with	with	ADP
abrj-495	8	33	trust	trust	NOUN
abrj-495	8	34	serving	serve	VERB
abrj-495	8	35	as	as	ADP
abrj-495	8	36	a	a	DET
abrj-495	8	37	mediating	mediate	VERB
abrj-495	8	38	variable	variable	NOUN
abrj-495	8	39	.	.	PUNCT
abrj-495	9	1	using	use	VERB
abrj-495	9	2	quantitative	quantitative	ADJ
abrj-495	9	3	methods	method	NOUN
abrj-495	9	4	,	,	PUNCT
abrj-495	9	5	data	datum	NOUN
abrj-495	9	6	were	be	AUX
abrj-495	9	7	collected	collect	VERB
abrj-495	9	8	via	via	ADP
abrj-495	9	9	an	an	DET
abrj-495	9	10	online	online	ADJ
abrj-495	9	11	survey	survey	NOUN
abrj-495	9	12	from	from	ADP
abrj-495	9	13	135	135	NUM
abrj-495	9	14	respondents	respondent	NOUN
abrj-495	9	15	who	who	PRON
abrj-495	9	16	utilize	utilize	VERB
abrj-495	9	17	online	online	ADJ
abrj-495	9	18	loans	loan	NOUN
abrj-495	9	19	in	in	ADP
abrj-495	9	20	gresik	gresik	PROPN
abrj-495	9	21	regency	regency	PROPN
abrj-495	9	22	.	.	PUNCT
abrj-495	10	1	the	the	DET
abrj-495	10	2	survey	survey	NOUN
abrj-495	10	3	data	datum	NOUN
abrj-495	10	4	were	be	AUX
abrj-495	10	5	analyzed	analyze	VERB
abrj-495	10	6	using	use	VERB
abrj-495	10	7	spss	spss	PROPN
abrj-495	10	8	and	and	CCONJ
abrj-495	10	9	the	the	DET
abrj-495	10	10	goodman	goodman	PROPN
abrj-495	10	11	test	test	NOUN
abrj-495	10	12	.	.	PUNCT
abrj-495	11	1	empirical	empirical	ADJ
abrj-495	11	2	evidence	evidence	NOUN
abrj-495	11	3	indicates	indicate	VERB
abrj-495	11	4	that	that	SCONJ
abrj-495	11	5	financial	financial	ADJ
abrj-495	11	6	literacy	literacy	NOUN
abrj-495	11	7	,	,	PUNCT
abrj-495	11	8	consumer	consumer	NOUN
abrj-495	11	9	awareness	awareness	NOUN
abrj-495	11	10	,	,	PUNCT
abrj-495	11	11	ease	ease	NOUN
abrj-495	11	12	of	of	ADP
abrj-495	11	13	access	access	NOUN
abrj-495	11	14	,	,	PUNCT
abrj-495	11	15	and	and	CCONJ
abrj-495	11	16	trust	trust	NOUN
abrj-495	11	17	significantly	significantly	ADV
abrj-495	11	18	and	and	CCONJ
abrj-495	11	19	positively	positively	ADV
abrj-495	11	20	influence	influence	VERB
abrj-495	11	21	interest	interest	NOUN
abrj-495	11	22	in	in	ADP
abrj-495	11	23	online	online	ADJ
abrj-495	11	24	loans	loan	NOUN
abrj-495	11	25	.	.	PUNCT
abrj-495	12	1	additionally	additionally	ADV
abrj-495	12	2	,	,	PUNCT
abrj-495	12	3	trust	trust	NOUN
abrj-495	12	4	was	be	AUX
abrj-495	12	5	found	find	VERB
abrj-495	12	6	to	to	PART
abrj-495	12	7	significantly	significantly	ADV
abrj-495	12	8	mediate	mediate	VERB
abrj-495	12	9	this	this	DET
abrj-495	12	10	relationship	relationship	NOUN
abrj-495	12	11	.	.	PUNCT
abrj-495	13	1	the	the	DET
abrj-495	13	2	current	current	ADJ
abrj-495	13	3	findings	finding	NOUN
abrj-495	13	4	have	have	VERB
abrj-495	13	5	important	important	ADJ
abrj-495	13	6	implications	implication	NOUN
abrj-495	13	7	for	for	ADP
abrj-495	13	8	understanding	understand	VERB
abrj-495	13	9	the	the	DET
abrj-495	13	10	dynamics	dynamic	NOUN
abrj-495	13	11	of	of	ADP
abrj-495	13	12	digital	digital	ADJ
abrj-495	13	13	financial	financial	ADJ
abrj-495	13	14	services	service	NOUN
abrj-495	13	15	adoption	adoption	NOUN
abrj-495	13	16	and	and	CCONJ
abrj-495	13	17	encourage	encourage	VERB
abrj-495	13	18	stakeholders	stakeholder	NOUN
abrj-495	13	19	in	in	ADP
abrj-495	13	20	the	the	DET
abrj-495	13	21	fintech	fintech	NOUN
abrj-495	13	22	industry	industry	NOUN
abrj-495	13	23	to	to	PART
abrj-495	13	24	develop	develop	VERB
abrj-495	13	25	strategies	strategy	NOUN
abrj-495	13	26	aimed	aim	VERB
abrj-495	13	27	at	at	ADP
abrj-495	13	28	enhancing	enhance	VERB
abrj-495	13	29	financial	financial	ADJ
abrj-495	13	30	inclusion	inclusion	NOUN
abrj-495	13	31	through	through	ADP
abrj-495	13	32	online	online	ADJ
abrj-495	13	33	loan	loan	NOUN
abrj-495	13	34	services	service	NOUN
abrj-495	13	35	.	.	PUNCT
abrj-495	14	1	furthermore	furthermore	ADV
abrj-495	14	2	,	,	PUNCT
abrj-495	14	3	the	the	DET
abrj-495	14	4	research	research	NOUN
abrj-495	14	5	outcomes	outcome	NOUN
abrj-495	14	6	facilitate	facilitate	VERB
abrj-495	14	7	and	and	CCONJ
abrj-495	14	8	pave	pave	VERB
abrj-495	14	9	the	the	DET
abrj-495	14	10	way	way	NOUN
abrj-495	14	11	for	for	ADP
abrj-495	14	12	subsequent	subsequent	ADJ
abrj-495	14	13	studies	study	NOUN
abrj-495	14	14	that	that	PRON
abrj-495	14	15	build	build	VERB
abrj-495	14	16	upon	upon	SCONJ
abrj-495	14	17	the	the	DET
abrj-495	14	18	current	current	ADJ
abrj-495	14	19	model	model	NOUN
abrj-495	14	20	.	.	PUNCT
abrj-495	15	1	keywords	keyword	NOUN
abrj-495	15	2	:	:	PUNCT
abrj-495	15	3	consumer	consumer	NOUN
abrj-495	15	4	awareness	awareness	NOUN
abrj-495	15	5	,	,	PUNCT
abrj-495	15	6	ease	ease	NOUN
abrj-495	15	7	of	of	ADP
abrj-495	15	8	access	access	NOUN
abrj-495	15	9	,	,	PUNCT
abrj-495	15	10	financial	financial	ADJ
abrj-495	15	11	literacy	literacy	NOUN
abrj-495	15	12	,	,	PUNCT
abrj-495	15	13	fintech	fintech	NOUN
abrj-495	15	14	,	,	PUNCT
abrj-495	15	15	online	online	ADJ
abrj-495	15	16	loans	loan	NOUN
abrj-495	15	17	,	,	PUNCT
abrj-495	15	18	trust	trust	NOUN
abrj-495	15	19	.	.	PUNCT
abrj-495	16	1	1	1	X
abrj-495	16	2	.	.	X
abrj-495	16	3	introduction	introduction	NOUN
abrj-495	16	4	enthusiasm	enthusiasm	NOUN
abrj-495	16	5	for	for	ADP
abrj-495	16	6	information	information	NOUN
abrj-495	16	7	technology	technology	NOUN
abrj-495	16	8	has	have	AUX
abrj-495	16	9	fundamentally	fundamentally	ADV
abrj-495	16	10	transformed	transform	VERB
abrj-495	16	11	the	the	DET
abrj-495	16	12	way	way	NOUN
abrj-495	16	13	individuals	individual	NOUN
abrj-495	16	14	access	access	VERB
abrj-495	16	15	financial	financial	ADJ
abrj-495	16	16	services	service	NOUN
abrj-495	16	17	(	(	PUNCT
abrj-495	16	18	nwoke	nwoke	ADV
abrj-495	16	19	,	,	PUNCT
abrj-495	16	20	2024	2024	NUM
abrj-495	16	21	;	;	PUNCT
abrj-495	16	22	wanof	wanof	NOUN
abrj-495	16	23	,	,	PUNCT
abrj-495	16	24	2023	2023	NUM
abrj-495	16	25	)	)	PUNCT
abrj-495	16	26	.	.	PUNCT
abrj-495	17	1	in	in	ADP
abrj-495	17	2	indonesia	indonesia	PROPN
abrj-495	17	3	,	,	PUNCT
abrj-495	17	4	the	the	DET
abrj-495	17	5	rise	rise	NOUN
abrj-495	17	6	of	of	ADP
abrj-495	17	7	fintech	fintech	NOUN
abrj-495	17	8	,	,	PUNCT
abrj-495	17	9	particularly	particularly	ADV
abrj-495	17	10	in	in	ADP
abrj-495	17	11	the	the	DET
abrj-495	17	12	realm	realm	NOUN
abrj-495	17	13	of	of	ADP
abrj-495	17	14	online	online	ADJ
abrj-495	17	15	loan	loan	NOUN
abrj-495	17	16	,	,	PUNCT
abrj-495	17	17	has	have	AUX
abrj-495	17	18	rapidly	rapidly	ADV
abrj-495	17	19	emerged	emerge	VERB
abrj-495	17	20	as	as	ADP
abrj-495	17	21	a	a	DET
abrj-495	17	22	financing	financing	NOUN
abrj-495	17	23	alternative	alternative	NOUN
abrj-495	17	24	that	that	PRON
abrj-495	17	25	offers	offer	VERB
abrj-495	17	26	convenience	convenience	NOUN
abrj-495	17	27	and	and	CCONJ
abrj-495	17	28	expedited	expedite	VERB
abrj-495	17	29	processing	processing	NOUN
abrj-495	17	30	.	.	PUNCT
abrj-495	18	1	the	the	DET
abrj-495	18	2	financial	financial	PROPN
abrj-495	18	3	services	service	NOUN
abrj-495	18	4	authority	authority	NOUN
abrj-495	18	5	(	(	PUNCT
abrj-495	18	6	2024	2024	NUM
abrj-495	18	7	)	)	PUNCT
abrj-495	18	8	reported	report	VERB
abrj-495	18	9	that	that	SCONJ
abrj-495	18	10	the	the	DET
abrj-495	18	11	total	total	ADJ
abrj-495	18	12	distribution	distribution	NOUN
abrj-495	18	13	of	of	ADP
abrj-495	18	14	online	online	ADJ
abrj-495	18	15	loans	loan	NOUN
abrj-495	18	16	in	in	ADP
abrj-495	18	17	indonesia	indonesia	PROPN
abrj-495	18	18	reached	reach	VERB
abrj-495	18	19	rp	rp	ADP
abrj-495	18	20	411.5	411.5	NUM
abrj-495	18	21	trillion	trillion	NUM
abrj-495	18	22	in	in	ADP
abrj-495	18	23	2023	2023	NUM
abrj-495	18	24	,	,	PUNCT
abrj-495	18	25	marking	mark	VERB
abrj-495	18	26	a	a	DET
abrj-495	18	27	34.8	34.8	NUM
abrj-495	18	28	%	%	NOUN
abrj-495	18	29	increase	increase	NOUN
abrj-495	18	30	compared	compare	VERB
abrj-495	18	31	to	to	ADP
abrj-495	18	32	the	the	DET
abrj-495	18	33	previous	previous	ADJ
abrj-495	18	34	year	year	NOUN
abrj-495	18	35	.	.	PUNCT
abrj-495	19	1	this	this	DET
abrj-495	19	2	significant	significant	ADJ
abrj-495	19	3	growth	growth	NOUN
abrj-495	19	4	underscores	underscore	VERB
abrj-495	19	5	the	the	DET
abrj-495	19	6	widespread	widespread	ADJ
abrj-495	19	7	public	public	ADJ
abrj-495	19	8	adoption	adoption	NOUN
abrj-495	19	9	of	of	ADP
abrj-495	19	10	digital	digital	ADJ
abrj-495	19	11	financial	financial	ADJ
abrj-495	19	12	services	service	NOUN
abrj-495	19	13	.	.	PUNCT
abrj-495	20	1	nevertheless	nevertheless	ADV
abrj-495	20	2	,	,	PUNCT
abrj-495	20	3	this	this	DET
abrj-495	20	4	rapid	rapid	ADJ
abrj-495	20	5	expansion	expansion	NOUN
abrj-495	20	6	also	also	ADV
abrj-495	20	7	presents	present	VERB
abrj-495	20	8	challenges	challenge	NOUN
abrj-495	20	9	and	and	CCONJ
abrj-495	20	10	risks	risk	NOUN
abrj-495	20	11	.	.	PUNCT
abrj-495	21	1	in	in	ADP
abrj-495	21	2	2023	2023	NUM
abrj-495	21	3	,	,	PUNCT
abrj-495	21	4	there	there	PRON
abrj-495	21	5	were	be	VERB
abrj-495	21	6	over	over	ADP
abrj-495	21	7	50,000	50,000	NUM
abrj-495	21	8	complaints	complaint	NOUN
abrj-495	21	9	related	relate	VERB
abrj-495	21	10	to	to	ADP
abrj-495	21	11	online	online	ADJ
abrj-495	21	12	loan	loan	NOUN
abrj-495	21	13	,	,	PUNCT
abrj-495	21	14	encompassing	encompass	VERB
abrj-495	21	15	issues	issue	NOUN
abrj-495	21	16	such	such	ADJ
abrj-495	21	17	as	as	ADP
abrj-495	21	18	non	non	ADJ
abrj-495	21	19	-	-	ADJ
abrj-495	21	20	transparent	transparent	ADJ
abrj-495	21	21	interest	interest	NOUN
abrj-495	21	22	rates	rate	NOUN
abrj-495	21	23	and	and	CCONJ
abrj-495	21	24	unethical	unethical	ADJ
abrj-495	21	25	collection	collection	NOUN
abrj-495	21	26	practices	practice	NOUN
abrj-495	21	27	(	(	PUNCT
abrj-495	21	28	financial	financial	ADJ
abrj-495	21	29	services	service	NOUN
abrj-495	21	30	authority	authority	NOUN
abrj-495	21	31	,	,	PUNCT
abrj-495	21	32	2025	2025	NUM
abrj-495	21	33	)	)	PUNCT
abrj-495	21	34	.	.	PUNCT
abrj-495	22	1	this	this	DET
abrj-495	22	2	situation	situation	NOUN
abrj-495	22	3	highlights	highlight	VERB
abrj-495	22	4	a	a	DET
abrj-495	22	5	gap	gap	NOUN
abrj-495	22	6	between	between	ADP
abrj-495	22	7	the	the	DET
abrj-495	22	8	public	public	NOUN
abrj-495	22	9	's	's	PART
abrj-495	22	10	understanding	understanding	NOUN
abrj-495	22	11	of	of	ADP
abrj-495	22	12	digital	digital	ADJ
abrj-495	22	13	financial	financial	ADJ
abrj-495	22	14	products	product	NOUN
abrj-495	22	15	and	and	CCONJ
abrj-495	22	16	their	their	PRON
abrj-495	22	17	practical	practical	ADJ
abrj-495	22	18	application	application	NOUN
abrj-495	22	19	.	.	PUNCT
abrj-495	23	1	financial	financial	ADJ
abrj-495	23	2	literacy	literacy	NOUN
abrj-495	23	3	is	be	AUX
abrj-495	23	4	crucial	crucial	ADJ
abrj-495	23	5	in	in	ADP
abrj-495	23	6	shaping	shape	VERB
abrj-495	23	7	individuals	individual	NOUN
abrj-495	23	8	'	'	PART
abrj-495	23	9	decisions	decision	NOUN
abrj-495	23	10	regarding	regard	VERB
abrj-495	23	11	online	online	ADJ
abrj-495	23	12	loan	loan	NOUN
abrj-495	23	13	services	service	NOUN
abrj-495	23	14	(	(	PUNCT
abrj-495	23	15	sekarlaras	sekarlara	NOUN
abrj-495	23	16	et	et	PROPN
abrj-495	23	17	al	al	PROPN
abrj-495	23	18	.	.	PROPN
abrj-495	23	19	,	,	PUNCT
abrj-495	23	20	2025	2025	NUM
abrj-495	23	21	)	)	PUNCT
abrj-495	23	22	.	.	PUNCT
abrj-495	24	1	the	the	DET
abrj-495	24	2	financial	financial	PROPN
abrj-495	24	3	services	service	NOUN
abrj-495	24	4	authority	authority	NOUN
abrj-495	24	5	(	(	PUNCT
abrj-495	24	6	2024	2024	NUM
abrj-495	24	7	)	)	PUNCT
abrj-495	24	8	reports	report	VERB
abrj-495	24	9	that	that	SCONJ
abrj-495	24	10	indonesia	indonesia	PROPN
abrj-495	24	11	's	's	PART
abrj-495	24	12	financial	financial	ADJ
abrj-495	24	13	literacy	literacy	NOUN
abrj-495	24	14	index	index	NOUN
abrj-495	24	15	stands	stand	VERB
abrj-495	24	16	at	at	ADP
abrj-495	24	17	only	only	ADV
abrj-495	24	18	38.25	38.25	NUM
abrj-495	24	19	%	%	NOUN
abrj-495	24	20	,	,	PUNCT
abrj-495	24	21	significantly	significantly	ADV
abrj-495	24	22	lower	low	ADJ
abrj-495	24	23	than	than	ADP
abrj-495	24	24	that	that	PRON
abrj-495	24	25	of	of	ADP
abrj-495	24	26	other	other	ADJ
abrj-495	24	27	asean	asean	ADJ
abrj-495	24	28	countries	country	NOUN
abrj-495	24	29	,	,	PUNCT
abrj-495	24	30	such	such	ADJ
abrj-495	24	31	as	as	ADP
abrj-495	24	32	singapore	singapore	PROPN
abrj-495	24	33	(	(	PUNCT
abrj-495	24	34	96	96	NUM
abrj-495	24	35	%	%	NOUN
abrj-495	24	36	)	)	PUNCT
abrj-495	24	37	and	and	CCONJ
abrj-495	24	38	malaysia	malaysia	PROPN
abrj-495	24	39	(	(	PUNCT
abrj-495	24	40	85	85	NUM
abrj-495	24	41	%	%	NOUN
abrj-495	24	42	)	)	PUNCT
abrj-495	24	43	as	as	ADP
abrj-495	24	44	of	of	ADP
abrj-495	24	45	2023	2023	NUM
abrj-495	24	46	.	.	PUNCT
abrj-495	25	1	this	this	DET
abrj-495	25	2	low	low	ADJ
abrj-495	25	3	level	level	NOUN
abrj-495	25	4	of	of	ADP
abrj-495	25	5	financial	financial	ADJ
abrj-495	25	6	literacy	literacy	NOUN
abrj-495	25	7	may	may	AUX
abrj-495	25	8	lead	lead	VERB
abrj-495	25	9	to	to	ADP
abrj-495	25	10	suboptimal	suboptimal	ADJ
abrj-495	25	11	financial	financial	ADJ
abrj-495	25	12	decision	decision	NOUN
abrj-495	25	13	-	-	PUNCT
abrj-495	25	14	making	making	NOUN
abrj-495	25	15	and	and	CCONJ
abrj-495	25	16	increased	increase	VERB
abrj-495	25	17	susceptibility	susceptibility	NOUN
abrj-495	25	18	to	to	ADP
abrj-495	25	19	financial	financial	ADJ
abrj-495	25	20	fraud	fraud	NOUN
abrj-495	25	21	.	.	PUNCT
abrj-495	26	1	consumer	consumer	NOUN
abrj-495	26	2	awareness	awareness	NOUN
abrj-495	26	3	of	of	ADP
abrj-495	26	4	online	online	ADJ
abrj-495	26	5	loan	loan	NOUN
abrj-495	26	6	services	service	NOUN
abrj-495	26	7	is	be	AUX
abrj-495	26	8	also	also	ADV
abrj-495	26	9	vital	vital	ADJ
abrj-495	26	10	.	.	PUNCT
abrj-495	27	1	a	a	DET
abrj-495	27	2	publication	publication	NOUN
abrj-495	27	3	by	by	ADP
abrj-495	27	4	suryono	suryono	PROPN
abrj-495	27	5	et	et	PROPN
abrj-495	27	6	al	al	PROPN
abrj-495	27	7	.	.	PROPN
abrj-495	27	8	(	(	PUNCT
abrj-495	27	9	2021	2021	NUM
abrj-495	27	10	)	)	PUNCT
abrj-495	27	11	found	find	VERB
abrj-495	27	12	that	that	SCONJ
abrj-495	27	13	while	while	SCONJ
abrj-495	27	14	72	72	NUM
abrj-495	27	15	%	%	NOUN
abrj-495	27	16	of	of	ADP
abrj-495	27	17	indonesians	indonesians	PROPN
abrj-495	27	18	are	be	AUX
abrj-495	27	19	aware	aware	ADJ
abrj-495	27	20	of	of	ADP
abrj-495	27	21	fintech	fintech	NOUN
abrj-495	27	22	loan	loan	NOUN
abrj-495	27	23	,	,	PUNCT
abrj-495	27	24	only	only	ADV
abrj-495	27	25	45	45	NUM
abrj-495	27	26	%	%	NOUN
abrj-495	27	27	possess	possess	VERB
abrj-495	27	28	a	a	DET
abrj-495	27	29	comprehensive	comprehensive	ADJ
abrj-495	27	30	understanding	understanding	NOUN
abrj-495	27	31	of	of	ADP
abrj-495	27	32	its	its	PRON
abrj-495	27	33	mechanisms	mechanism	NOUN
abrj-495	27	34	,	,	PUNCT
abrj-495	27	35	risks	risk	NOUN
abrj-495	27	36	,	,	PUNCT
abrj-495	27	37	and	and	CCONJ
abrj-495	27	38	regulations	regulation	NOUN
abrj-495	27	39	.	.	PUNCT
abrj-495	28	1	this	this	DET
abrj-495	28	2	disparity	disparity	NOUN
abrj-495	28	3	underscores	underscore	VERB
abrj-495	28	4	the	the	DET
abrj-495	28	5	need	need	NOUN
abrj-495	28	6	for	for	ADP
abrj-495	28	7	more	more	ADV
abrj-495	28	8	intensive	intensive	ADJ
abrj-495	28	9	education	education	NOUN
abrj-495	28	10	and	and	CCONJ
abrj-495	28	11	outreach	outreach	NOUN
abrj-495	28	12	to	to	ADP
abrj-495	28	13	the	the	DET
abrj-495	28	14	public	public	NOUN
abrj-495	28	15	.	.	PUNCT
abrj-495	29	1	the	the	DET
abrj-495	29	2	convenience	convenience	NOUN
abrj-495	29	3	of	of	ADP
abrj-495	29	4	access	access	NOUN
abrj-495	29	5	is	be	AUX
abrj-495	29	6	the	the	DET
abrj-495	29	7	primary	primary	ADJ
abrj-495	29	8	appeal	appeal	NOUN
abrj-495	29	9	of	of	ADP
abrj-495	29	10	online	online	ADJ
abrj-495	29	11	loan	loan	NOUN
abrj-495	29	12	compared	compare	VERB
abrj-495	29	13	to	to	ADP
abrj-495	29	14	traditional	traditional	ADJ
abrj-495	29	15	financial	financial	ADJ
abrj-495	29	16	services	service	NOUN
abrj-495	29	17	.	.	PUNCT
abrj-495	30	1	ekayani	ekayani	NOUN
abrj-495	30	2	et	et	PROPN
abrj-495	30	3	al	al	PROPN
abrj-495	30	4	.	.	PROPN
abrj-495	31	1	(	(	PUNCT
abrj-495	31	2	2024	2024	NUM
abrj-495	31	3	)	)	PUNCT
abrj-495	31	4	noted	note	VERB
abrj-495	31	5	that	that	SCONJ
abrj-495	31	6	the	the	DET
abrj-495	31	7	majority	majority	NOUN
abrj-495	31	8	of	of	ADP
abrj-495	31	9	fintech	fintech	NOUN
abrj-495	31	10	users	user	NOUN
abrj-495	31	11	in	in	ADP
abrj-495	31	12	indonesia	indonesia	PROPN
abrj-495	31	13	prefer	prefer	VERB
abrj-495	31	14	this	this	DET
abrj-495	31	15	service	service	NOUN
abrj-495	31	16	due	due	ADP
abrj-495	31	17	to	to	ADP
abrj-495	31	18	its	its	PRON
abrj-495	31	19	speed	speed	NOUN
abrj-495	31	20	and	and	CCONJ
abrj-495	31	21	ease	ease	NOUN
abrj-495	31	22	of	of	ADP
abrj-495	31	23	access	access	NOUN
abrj-495	31	24	.	.	PUNCT
abrj-495	32	1	however	however	ADV
abrj-495	32	2	,	,	PUNCT
abrj-495	32	3	this	this	DET
abrj-495	32	4	convenience	convenience	NOUN
abrj-495	32	5	must	must	AUX
abrj-495	32	6	be	be	AUX
abrj-495	32	7	accompanied	accompany	VERB
abrj-495	32	8	by	by	ADP
abrj-495	32	9	a	a	DET
abrj-495	32	10	robust	robust	ADJ
abrj-495	32	11	security	security	NOUN
abrj-495	32	12	system	system	NOUN
abrj-495	32	13	to	to	PART
abrj-495	32	14	safeguard	safeguard	VERB
abrj-495	32	15	consumer	consumer	NOUN
abrj-495	32	16	interests	interest	NOUN
abrj-495	32	17	.	.	PUNCT
abrj-495	33	1	the	the	DET
abrj-495	33	2	trust	trust	NOUN
abrj-495	33	3	factor	factor	NOUN
abrj-495	33	4	serves	serve	VERB
abrj-495	33	5	as	as	ADP
abrj-495	33	6	a	a	DET
abrj-495	33	7	critical	critical	ADJ
abrj-495	33	8	link	link	NOUN
abrj-495	33	9	between	between	ADP
abrj-495	33	10	intention	intention	NOUN
abrj-495	33	11	and	and	CCONJ
abrj-495	33	12	actual	actual	ADJ
abrj-495	33	13	behavior	behavior	NOUN
abrj-495	33	14	in	in	ADP
abrj-495	33	15	the	the	DET
abrj-495	33	16	use	use	NOUN
abrj-495	33	17	of	of	ADP
abrj-495	33	18	digital	digital	ADJ
abrj-495	33	19	financial	financial	ADJ
abrj-495	33	20	services	service	NOUN
abrj-495	33	21	.	.	PUNCT
abrj-495	34	1	basically	basically	ADV
abrj-495	34	2	,	,	PUNCT
abrj-495	34	3	trust	trust	NOUN
abrj-495	34	4	in	in	ADP
abrj-495	34	5	the	the	DET
abrj-495	34	6	platform	platform	NOUN
abrj-495	34	7	is	be	AUX
abrj-495	34	8	the	the	DET
abrj-495	34	9	primary	primary	ADJ
abrj-495	34	10	consideration	consideration	NOUN
abrj-495	34	11	when	when	SCONJ
abrj-495	34	12	selecting	select	VERB
abrj-495	34	13	online	online	ADJ
abrj-495	34	14	loan	loan	NOUN
abrj-495	34	15	services	service	NOUN
abrj-495	34	16	.	.	PUNCT
abrj-495	35	1	this	this	PRON
abrj-495	35	2	underscores	underscore	VERB
abrj-495	35	3	the	the	DET
abrj-495	35	4	urgency	urgency	NOUN
abrj-495	35	5	of	of	ADP
abrj-495	35	6	establishing	establish	VERB
abrj-495	35	7	and	and	CCONJ
abrj-495	35	8	sustaining	sustain	VERB
abrj-495	35	9	consumer	consumer	NOUN
abrj-495	35	10	trust	trust	NOUN
abrj-495	35	11	for	for	ADP
abrj-495	35	12	the	the	DET
abrj-495	35	13	ongoing	ongoing	ADJ
abrj-495	35	14	viability	viability	NOUN
abrj-495	35	15	of	of	ADP
abrj-495	35	16	fintech	fintech	NOUN
abrj-495	35	17	loan	loan	NOUN
abrj-495	35	18	businesses	business	NOUN
abrj-495	35	19	(	(	PUNCT
abrj-495	35	20	bao	bao	PROPN
abrj-495	35	21	et	et	PROPN
abrj-495	35	22	al	al	PROPN
abrj-495	35	23	.	.	PROPN
abrj-495	35	24	,	,	PUNCT
abrj-495	35	25	2019	2019	NUM
abrj-495	35	26	;	;	PUNCT
abrj-495	35	27	rita	rita	PROPN
abrj-495	35	28	et	et	PROPN
abrj-495	35	29	al	al	PROPN
abrj-495	35	30	.	.	PROPN
abrj-495	35	31	,	,	PUNCT
abrj-495	35	32	2019	2019	NUM
abrj-495	35	33	)	)	PUNCT
abrj-495	35	34	.	.	PUNCT
abrj-495	36	1	in	in	ADP
abrj-495	36	2	indonesia	indonesia	PROPN
abrj-495	36	3	,	,	PUNCT
abrj-495	36	4	particularly	particularly	ADV
abrj-495	36	5	in	in	ADP
abrj-495	36	6	gresik	gresik	PROPN
abrj-495	36	7	regency	regency	PROPN
abrj-495	36	8	,	,	PUNCT
abrj-495	36	9	some	some	DET
abrj-495	36	10	residents	resident	NOUN
abrj-495	36	11	are	be	AUX
abrj-495	36	12	aware	aware	ADJ
abrj-495	36	13	of	of	ADP
abrj-495	36	14	the	the	DET
abrj-495	36	15	existence	existence	NOUN
abrj-495	36	16	of	of	ADP
abrj-495	36	17	fintech	fintech	NOUN
abrj-495	36	18	loan	loan	NOUN
abrj-495	36	19	.	.	PUNCT
abrj-495	37	1	nonetheless	nonetheless	ADV
abrj-495	37	2	,	,	PUNCT
abrj-495	37	3	only	only	ADV
abrj-495	37	4	a	a	DET
abrj-495	37	5	limited	limited	ADJ
abrj-495	37	6	number	number	NOUN
abrj-495	37	7	of	of	ADP
abrj-495	37	8	individuals	individual	NOUN
abrj-495	37	9	possess	possess	VERB
abrj-495	37	10	a	a	DET
abrj-495	37	11	comprehensive	comprehensive	ADJ
abrj-495	37	12	understanding	understanding	NOUN
abrj-495	37	13	of	of	ADP
abrj-495	37	14	the	the	DET
abrj-495	37	15	mechanisms	mechanism	NOUN
abrj-495	37	16	,	,	PUNCT
abrj-495	37	17	risks	risk	NOUN
abrj-495	37	18	,	,	PUNCT
abrj-495	37	19	and	and	CCONJ
abrj-495	37	20	regulations	regulation	NOUN
abrj-495	37	21	associated	associate	VERB
abrj-495	37	22	with	with	ADP
abrj-495	37	23	online	online	ADJ
abrj-495	37	24	loan	loan	NOUN
abrj-495	37	25	services	service	NOUN
abrj-495	37	26	(	(	PUNCT
abrj-495	37	27	albar	albar	NOUN
abrj-495	37	28	,	,	PUNCT
abrj-495	37	29	2023	2023	NUM
abrj-495	37	30	)	)	PUNCT
abrj-495	37	31	.	.	PUNCT
abrj-495	38	1	this	this	DET
abrj-495	38	2	gap	gap	NOUN
abrj-495	38	3	reflects	reflect	VERB
abrj-495	38	4	a	a	DET
abrj-495	38	5	significant	significant	ADJ
abrj-495	38	6	opportunity	opportunity	NOUN
abrj-495	38	7	to	to	PART
abrj-495	38	8	enhance	enhance	VERB
abrj-495	38	9	the	the	DET
abrj-495	38	10	adoption	adoption	NOUN
abrj-495	38	11	of	of	ADP
abrj-495	38	12	online	online	ADJ
abrj-495	38	13	loan	loan	NOUN
abrj-495	38	14	in	in	ADP
abrj-495	38	15	gresik	gresik	PROPN
abrj-495	38	16	regency	regency	PROPN
abrj-495	38	17	through	through	ADP
abrj-495	38	18	more	more	ADV
abrj-495	38	19	intensive	intensive	ADJ
abrj-495	38	20	education	education	NOUN
abrj-495	38	21	and	and	CCONJ
abrj-495	38	22	outreach	outreach	NOUN
abrj-495	38	23	efforts	effort	NOUN
abrj-495	38	24	.	.	PUNCT
abrj-495	39	1	in	in	ADP
abrj-495	39	2	mailto:tricicik@unigamalang.ac.id	mailto:tricicik@unigamalang.ac.id	PROPN
abrj-495	39	3	mailto:ihsanashari@unsil.ac.id	mailto:ihsanashari@unsil.ac.id	PROPN
abrj-495	39	4	mailto:diocaisardarma@unsil.ac.id	mailto:diocaisardarma@unsil.ac.id	PROPN
abrj-495	39	5	https://doi.org/10.55220/25766759.495	https://doi.org/10.55220/25766759.495	PROPN
abrj-495	39	6	asian	asian	PROPN
abrj-495	39	7	business	business	NOUN
abrj-495	39	8	research	research	NOUN
abrj-495	39	9	journal	journal	NOUN
abrj-495	39	10	,	,	PUNCT
abrj-495	39	11	2025	2025	NUM
abrj-495	39	12	,	,	PUNCT
abrj-495	39	13	10(7	10(7	NUM
abrj-495	39	14	):	):	PUNCT
abrj-495	39	15	50	50	NUM
abrj-495	39	16	-	-	SYM
abrj-495	39	17	59	59	NUM
abrj-495	39	18	51	51	NUM
abrj-495	39	19	©	©	PROPN
abrj-495	39	20	2025	2025	NUM
abrj-495	39	21	by	by	ADP
abrj-495	39	22	the	the	DET
abrj-495	39	23	authors	author	NOUN
abrj-495	39	24	;	;	PUNCT
abrj-495	39	25	licensee	licensee	NOUN
abrj-495	39	26	eastern	eastern	ADJ
abrj-495	39	27	centre	centre	NOUN
abrj-495	39	28	of	of	ADP
abrj-495	39	29	science	science	NOUN
abrj-495	39	30	and	and	CCONJ
abrj-495	39	31	education	education	NOUN
abrj-495	39	32	,	,	PUNCT
abrj-495	39	33	usa	usa	PROPN
abrj-495	39	34	response	response	NOUN
abrj-495	39	35	to	to	ADP
abrj-495	39	36	these	these	DET
abrj-495	39	37	issues	issue	NOUN
abrj-495	39	38	,	,	PUNCT
abrj-495	39	39	the	the	DET
abrj-495	39	40	government	government	NOUN
abrj-495	39	41	and	and	CCONJ
abrj-495	39	42	regulatory	regulatory	ADJ
abrj-495	39	43	authorities	authority	NOUN
abrj-495	39	44	have	have	AUX
abrj-495	39	45	been	be	AUX
abrj-495	39	46	working	work	VERB
abrj-495	39	47	to	to	PART
abrj-495	39	48	enhance	enhance	VERB
abrj-495	39	49	regulation	regulation	NOUN
abrj-495	39	50	and	and	CCONJ
abrj-495	39	51	oversight	oversight	NOUN
abrj-495	39	52	within	within	ADP
abrj-495	39	53	the	the	DET
abrj-495	39	54	fintech	fintech	NOUN
abrj-495	39	55	industry	industry	NOUN
abrj-495	39	56	.	.	PUNCT
abrj-495	40	1	various	various	ADJ
abrj-495	40	2	regulations	regulation	NOUN
abrj-495	40	3	have	have	AUX
abrj-495	40	4	been	be	AUX
abrj-495	40	5	implemented	implement	VERB
abrj-495	40	6	to	to	PART
abrj-495	40	7	protect	protect	VERB
abrj-495	40	8	consumers	consumer	NOUN
abrj-495	40	9	;	;	PUNCT
abrj-495	40	10	however	however	ADV
abrj-495	40	11	,	,	PUNCT
abrj-495	40	12	the	the	DET
abrj-495	40	13	effectiveness	effectiveness	NOUN
abrj-495	40	14	of	of	ADP
abrj-495	40	15	these	these	DET
abrj-495	40	16	measures	measure	NOUN
abrj-495	40	17	remains	remain	VERB
abrj-495	40	18	uncertain	uncertain	ADJ
abrj-495	40	19	and	and	CCONJ
abrj-495	40	20	necessitates	necessitate	VERB
abrj-495	40	21	further	further	ADJ
abrj-495	40	22	empirical	empirical	ADJ
abrj-495	40	23	investigation	investigation	NOUN
abrj-495	40	24	.	.	PUNCT
abrj-495	41	1	this	this	DET
abrj-495	41	2	study	study	NOUN
abrj-495	41	3	aims	aim	VERB
abrj-495	41	4	to	to	PART
abrj-495	41	5	explore	explore	VERB
abrj-495	41	6	the	the	DET
abrj-495	41	7	relationship	relationship	NOUN
abrj-495	41	8	between	between	ADP
abrj-495	41	9	financial	financial	ADJ
abrj-495	41	10	literacy	literacy	NOUN
abrj-495	41	11	,	,	PUNCT
abrj-495	41	12	consumer	consumer	NOUN
abrj-495	41	13	awareness	awareness	NOUN
abrj-495	41	14	,	,	PUNCT
abrj-495	41	15	and	and	CCONJ
abrj-495	41	16	the	the	DET
abrj-495	41	17	accessibility	accessibility	NOUN
abrj-495	41	18	of	of	ADP
abrj-495	41	19	online	online	ADJ
abrj-495	41	20	loans	loan	NOUN
abrj-495	41	21	.	.	PUNCT
abrj-495	42	1	additionally	additionally	ADV
abrj-495	42	2	,	,	PUNCT
abrj-495	42	3	it	it	PRON
abrj-495	42	4	will	will	AUX
abrj-495	42	5	examine	examine	VERB
abrj-495	42	6	the	the	DET
abrj-495	42	7	role	role	NOUN
abrj-495	42	8	of	of	ADP
abrj-495	42	9	trust	trust	NOUN
abrj-495	42	10	in	in	ADP
abrj-495	42	11	the	the	DET
abrj-495	42	12	interplay	interplay	NOUN
abrj-495	42	13	among	among	ADP
abrj-495	42	14	these	these	DET
abrj-495	42	15	variables	variable	NOUN
abrj-495	42	16	.	.	PUNCT
abrj-495	43	1	consequently	consequently	ADV
abrj-495	43	2	,	,	PUNCT
abrj-495	43	3	this	this	DET
abrj-495	43	4	research	research	NOUN
abrj-495	43	5	seeks	seek	VERB
abrj-495	43	6	to	to	PART
abrj-495	43	7	provide	provide	VERB
abrj-495	43	8	a	a	DET
abrj-495	43	9	more	more	ADV
abrj-495	43	10	comprehensive	comprehensive	ADJ
abrj-495	43	11	understanding	understanding	NOUN
abrj-495	43	12	of	of	ADP
abrj-495	43	13	the	the	DET
abrj-495	43	14	dynamics	dynamic	NOUN
abrj-495	43	15	surrounding	surround	VERB
abrj-495	43	16	the	the	DET
abrj-495	43	17	evolution	evolution	NOUN
abrj-495	43	18	of	of	ADP
abrj-495	43	19	online	online	ADJ
abrj-495	43	20	loan	loan	NOUN
abrj-495	43	21	in	in	ADP
abrj-495	43	22	gresik	gresik	NOUN
abrj-495	43	23	regency	regency	PROPN
abrj-495	43	24	and	and	CCONJ
abrj-495	43	25	its	its	PRON
abrj-495	43	26	implications	implication	NOUN
abrj-495	43	27	for	for	ADP
abrj-495	43	28	policy	policy	NOUN
abrj-495	43	29	and	and	CCONJ
abrj-495	43	30	practice	practice	NOUN
abrj-495	43	31	within	within	ADP
abrj-495	43	32	the	the	DET
abrj-495	43	33	fintech	fintech	NOUN
abrj-495	43	34	sector	sector	NOUN
abrj-495	43	35	.	.	PUNCT
abrj-495	44	1	2	2	X
abrj-495	44	2	.	.	X
abrj-495	44	3	literature	literature	NOUN
abrj-495	44	4	review	review	VERB
abrj-495	44	5	2.1	2.1	NUM
abrj-495	44	6	.	.	PUNCT
abrj-495	45	1	technology	technology	NOUN
abrj-495	45	2	acceptance	acceptance	NOUN
abrj-495	45	3	model	model	NOUN
abrj-495	45	4	(	(	PUNCT
abrj-495	45	5	tam	tam	PROPN
abrj-495	45	6	)	)	PUNCT
abrj-495	45	7	the	the	DET
abrj-495	45	8	tam	tam	NOUN
abrj-495	45	9	proposed	propose	VERB
abrj-495	45	10	by	by	ADP
abrj-495	45	11	davis	davis	PROPN
abrj-495	45	12	(	(	PUNCT
abrj-495	45	13	1989	1989	NUM
abrj-495	45	14	)	)	PUNCT
abrj-495	45	15	,	,	PUNCT
abrj-495	45	16	has	have	AUX
abrj-495	45	17	become	become	VERB
abrj-495	45	18	a	a	DET
abrj-495	45	19	widely	widely	ADV
abrj-495	45	20	utilized	utilize	VERB
abrj-495	45	21	theoretical	theoretical	ADJ
abrj-495	45	22	framework	framework	NOUN
abrj-495	45	23	for	for	ADP
abrj-495	45	24	understanding	understand	VERB
abrj-495	45	25	technology	technology	NOUN
abrj-495	45	26	adoption	adoption	NOUN
abrj-495	45	27	among	among	ADP
abrj-495	45	28	users	user	NOUN
abrj-495	45	29	.	.	PUNCT
abrj-495	46	1	this	this	DET
abrj-495	46	2	model	model	NOUN
abrj-495	46	3	posits	posit	NOUN
abrj-495	46	4	that	that	PRON
abrj-495	46	5	technology	technology	NOUN
abrj-495	46	6	acceptance	acceptance	NOUN
abrj-495	46	7	is	be	AUX
abrj-495	46	8	influenced	influence	VERB
abrj-495	46	9	by	by	ADP
abrj-495	46	10	two	two	NUM
abrj-495	46	11	primary	primary	ADJ
abrj-495	46	12	dimensions	dimension	NOUN
abrj-495	46	13	:	:	PUNCT
abrj-495	46	14	perceived	perceive	VERB
abrj-495	46	15	usefulness	usefulness	NOUN
abrj-495	46	16	and	and	CCONJ
abrj-495	46	17	perceived	perceive	VERB
abrj-495	46	18	ease	ease	NOUN
abrj-495	46	19	of	of	ADP
abrj-495	46	20	use	use	NOUN
abrj-495	46	21	.	.	PUNCT
abrj-495	47	1	in	in	ADP
abrj-495	47	2	the	the	DET
abrj-495	47	3	object	object	NOUN
abrj-495	47	4	of	of	ADP
abrj-495	47	5	online	online	ADJ
abrj-495	47	6	loan	loan	NOUN
abrj-495	47	7	,	,	PUNCT
abrj-495	47	8	the	the	DET
abrj-495	47	9	tam	tam	NOUN
abrj-495	47	10	model	model	NOUN
abrj-495	47	11	is	be	AUX
abrj-495	47	12	particularly	particularly	ADV
abrj-495	47	13	relevant	relevant	ADJ
abrj-495	47	14	for	for	ADP
abrj-495	47	15	examining	examine	VERB
abrj-495	47	16	how	how	SCONJ
abrj-495	47	17	consumers	consumer	NOUN
abrj-495	47	18	adopt	adopt	VERB
abrj-495	47	19	digital	digital	ADJ
abrj-495	47	20	financial	financial	ADJ
abrj-495	47	21	services	service	NOUN
abrj-495	47	22	.	.	PUNCT
abrj-495	48	1	several	several	ADJ
abrj-495	48	2	recent	recent	ADJ
abrj-495	48	3	articles	article	NOUN
abrj-495	48	4	have	have	AUX
abrj-495	48	5	adapted	adapt	VERB
abrj-495	48	6	and	and	CCONJ
abrj-495	48	7	tested	test	VERB
abrj-495	48	8	this	this	DET
abrj-495	48	9	model	model	NOUN
abrj-495	48	10	within	within	ADP
abrj-495	48	11	the	the	DET
abrj-495	48	12	fintech	fintech	NOUN
abrj-495	48	13	sector	sector	NOUN
abrj-495	48	14	.	.	PUNCT
abrj-495	49	1	for	for	ADP
abrj-495	49	2	example	example	NOUN
abrj-495	49	3	,	,	PUNCT
abrj-495	49	4	the	the	DET
abrj-495	49	5	paper	paper	NOUN
abrj-495	49	6	conducted	conduct	VERB
abrj-495	49	7	by	by	ADP
abrj-495	49	8	nuralam	nuralam	PROPN
abrj-495	49	9	et	et	PROPN
abrj-495	49	10	al	al	PROPN
abrj-495	49	11	.	.	PROPN
abrj-495	50	1	(	(	PUNCT
abrj-495	50	2	2024	2024	NUM
abrj-495	50	3	)	)	PUNCT
abrj-495	50	4	adapted	adapt	VERB
abrj-495	50	5	tam	tam	PROPN
abrj-495	50	6	to	to	PART
abrj-495	50	7	emphasize	emphasize	VERB
abrj-495	50	8	the	the	DET
abrj-495	50	9	adoption	adoption	NOUN
abrj-495	50	10	of	of	ADP
abrj-495	50	11	artificial	artificial	ADJ
abrj-495	50	12	intelligence	intelligence	NOUN
abrj-495	50	13	in	in	ADP
abrj-495	50	14	e	e	PROPN
abrj-495	50	15	-	-	NOUN
abrj-495	50	16	commerce	commerce	NOUN
abrj-495	50	17	platforms	platform	NOUN
abrj-495	50	18	,	,	PUNCT
abrj-495	50	19	concluding	conclude	VERB
abrj-495	50	20	that	that	SCONJ
abrj-495	50	21	perceived	perceive	VERB
abrj-495	50	22	ease	ease	NOUN
abrj-495	50	23	of	of	ADP
abrj-495	50	24	use	use	NOUN
abrj-495	50	25	significantly	significantly	ADV
abrj-495	50	26	influences	influence	VERB
abrj-495	50	27	the	the	DET
abrj-495	50	28	intention	intention	NOUN
abrj-495	50	29	to	to	PART
abrj-495	50	30	adopt	adopt	VERB
abrj-495	50	31	the	the	DET
abrj-495	50	32	technology	technology	NOUN
abrj-495	50	33	.	.	PUNCT
abrj-495	51	1	a	a	DET
abrj-495	51	2	similar	similar	ADJ
abrj-495	51	3	investigation	investigation	NOUN
abrj-495	51	4	by	by	ADP
abrj-495	51	5	yan	yan	PROPN
abrj-495	51	6	et	et	PROPN
abrj-495	51	7	al	al	PROPN
abrj-495	51	8	.	.	PROPN
abrj-495	52	1	(	(	PUNCT
abrj-495	52	2	2024	2024	NUM
abrj-495	52	3	)	)	PUNCT
abrj-495	52	4	revealed	reveal	VERB
abrj-495	52	5	that	that	SCONJ
abrj-495	52	6	the	the	DET
abrj-495	52	7	ease	ease	NOUN
abrj-495	52	8	of	of	ADP
abrj-495	52	9	access	access	NOUN
abrj-495	52	10	to	to	ADP
abrj-495	52	11	and	and	CCONJ
abrj-495	52	12	use	use	NOUN
abrj-495	52	13	of	of	ADP
abrj-495	52	14	digital	digital	ADJ
abrj-495	52	15	technologies	technology	NOUN
abrj-495	52	16	significantly	significantly	ADV
abrj-495	52	17	predicted	predict	VERB
abrj-495	52	18	visitors	visitor	NOUN
abrj-495	52	19	'	'	PART
abrj-495	52	20	interest	interest	NOUN
abrj-495	52	21	in	in	ADP
abrj-495	52	22	engaging	engage	VERB
abrj-495	52	23	in	in	ADP
abrj-495	52	24	digital	digital	ADJ
abrj-495	52	25	tourism	tourism	NOUN
abrj-495	52	26	activities	activity	NOUN
abrj-495	52	27	.	.	PUNCT
abrj-495	53	1	specifically	specifically	ADV
abrj-495	53	2	,	,	PUNCT
abrj-495	53	3	tahar	tahar	VERB
abrj-495	53	4	et	et	PROPN
abrj-495	53	5	al	al	PROPN
abrj-495	53	6	.	.	PROPN
abrj-495	54	1	(	(	PUNCT
abrj-495	54	2	2020	2020	NUM
abrj-495	54	3	)	)	PUNCT
abrj-495	54	4	underscored	underscore	VERB
abrj-495	54	5	that	that	SCONJ
abrj-495	54	6	the	the	DET
abrj-495	54	7	perceived	perceive	VERB
abrj-495	54	8	ease	ease	NOUN
abrj-495	54	9	of	of	ADP
abrj-495	54	10	use	use	NOUN
abrj-495	54	11	of	of	ADP
abrj-495	54	12	services	service	NOUN
abrj-495	54	13	is	be	AUX
abrj-495	54	14	a	a	DET
abrj-495	54	15	crucial	crucial	ADJ
abrj-495	54	16	element	element	NOUN
abrj-495	54	17	driving	drive	VERB
abrj-495	54	18	the	the	DET
abrj-495	54	19	adoption	adoption	NOUN
abrj-495	54	20	of	of	ADP
abrj-495	54	21	digital	digital	ADJ
abrj-495	54	22	financial	financial	ADJ
abrj-495	54	23	services	service	NOUN
abrj-495	54	24	.	.	PUNCT
abrj-495	55	1	2.2	2.2	NUM
abrj-495	55	2	.	.	PUNCT
abrj-495	55	3	trust	trust	NOUN
abrj-495	55	4	-	-	PUNCT
abrj-495	55	5	risk	risk	NOUN
abrj-495	55	6	framework	framework	NOUN
abrj-495	55	7	(	(	PUNCT
abrj-495	55	8	trf	trf	NOUN
abrj-495	55	9	)	)	PUNCT
abrj-495	55	10	the	the	DET
abrj-495	55	11	trf	trf	PROPN
abrj-495	55	12	serves	serve	VERB
abrj-495	55	13	as	as	ADP
abrj-495	55	14	a	a	DET
abrj-495	55	15	relevant	relevant	ADJ
abrj-495	55	16	theoretical	theoretical	ADJ
abrj-495	55	17	foundation	foundation	NOUN
abrj-495	55	18	for	for	ADP
abrj-495	55	19	understanding	understand	VERB
abrj-495	55	20	consumer	consumer	NOUN
abrj-495	55	21	adoption	adoption	NOUN
abrj-495	55	22	of	of	ADP
abrj-495	55	23	online	online	ADJ
abrj-495	55	24	loan	loan	NOUN
abrj-495	55	25	(	(	PUNCT
abrj-495	55	26	apau	apau	X
abrj-495	55	27	et	et	PROPN
abrj-495	55	28	al	al	PROPN
abrj-495	55	29	.	.	PROPN
abrj-495	55	30	,	,	PUNCT
abrj-495	55	31	2025	2025	NUM
abrj-495	55	32	;	;	PUNCT
abrj-495	55	33	jafri	jafri	VERB
abrj-495	55	34	et	et	PROPN
abrj-495	55	35	al	al	PROPN
abrj-495	55	36	.	.	PROPN
abrj-495	55	37	,	,	PUNCT
abrj-495	55	38	2023	2023	NUM
abrj-495	55	39	;	;	PUNCT
abrj-495	55	40	yang	yang	PROPN
abrj-495	55	41	et	et	PROPN
abrj-495	55	42	al	al	PROPN
abrj-495	55	43	.	.	PROPN
abrj-495	55	44	,	,	PUNCT
abrj-495	55	45	2015	2015	NUM
abrj-495	55	46	)	)	PUNCT
abrj-495	55	47	.	.	PUNCT
abrj-495	56	1	originally	originally	ADV
abrj-495	56	2	proposed	propose	VERB
abrj-495	56	3	by	by	ADP
abrj-495	56	4	taylor	taylor	PROPN
abrj-495	56	5	(	(	PUNCT
abrj-495	56	6	1974	1974	NUM
abrj-495	56	7	)	)	PUNCT
abrj-495	56	8	and	and	CCONJ
abrj-495	56	9	later	later	ADV
abrj-495	56	10	modified	modify	VERB
abrj-495	56	11	by	by	ADP
abrj-495	56	12	kim	kim	PROPN
abrj-495	56	13	et	et	PROPN
abrj-495	56	14	al	al	PROPN
abrj-495	56	15	.	.	PROPN
abrj-495	57	1	(	(	PUNCT
abrj-495	57	2	2022	2022	NUM
abrj-495	57	3	)	)	PUNCT
abrj-495	58	1	to	to	PART
abrj-495	58	2	assess	assess	VERB
abrj-495	58	3	digital	digital	ADJ
abrj-495	58	4	banking	banking	NOUN
abrj-495	58	5	,	,	PUNCT
abrj-495	58	6	the	the	DET
abrj-495	58	7	trf	trf	NOUN
abrj-495	58	8	posits	posit	NOUN
abrj-495	58	9	that	that	SCONJ
abrj-495	58	10	consumer	consumer	NOUN
abrj-495	58	11	trust	trust	NOUN
abrj-495	58	12	is	be	AUX
abrj-495	58	13	established	establish	VERB
abrj-495	58	14	through	through	ADP
abrj-495	58	15	an	an	DET
abrj-495	58	16	evaluation	evaluation	NOUN
abrj-495	58	17	of	of	ADP
abrj-495	58	18	the	the	DET
abrj-495	58	19	perceived	perceive	VERB
abrj-495	58	20	risks	risk	NOUN
abrj-495	58	21	and	and	CCONJ
abrj-495	58	22	benefits	benefit	NOUN
abrj-495	58	23	associated	associate	VERB
abrj-495	58	24	with	with	ADP
abrj-495	58	25	a	a	DET
abrj-495	58	26	service	service	NOUN
abrj-495	58	27	(	(	PUNCT
abrj-495	58	28	hipólito	hipólito	PROPN
abrj-495	58	29	et	et	PROPN
abrj-495	58	30	al	al	PROPN
abrj-495	58	31	.	.	PROPN
abrj-495	58	32	,	,	PUNCT
abrj-495	58	33	2025	2025	NUM
abrj-495	58	34	;	;	PUNCT
abrj-495	58	35	yuen	yuen	PROPN
abrj-495	58	36	et	et	PROPN
abrj-495	58	37	al	al	PROPN
abrj-495	58	38	.	.	PROPN
abrj-495	58	39	,	,	PUNCT
abrj-495	58	40	2021	2021	NUM
abrj-495	58	41	)	)	PUNCT
abrj-495	58	42	.	.	PUNCT
abrj-495	59	1	in	in	ADP
abrj-495	59	2	the	the	DET
abrj-495	59	3	perspective	perspective	NOUN
abrj-495	59	4	of	of	ADP
abrj-495	59	5	online	online	ADJ
abrj-495	59	6	loan	loan	NOUN
abrj-495	59	7	,	,	PUNCT
abrj-495	59	8	consumer	consumer	NOUN
abrj-495	59	9	trust	trust	NOUN
abrj-495	59	10	acts	act	VERB
abrj-495	59	11	as	as	ADP
abrj-495	59	12	a	a	DET
abrj-495	59	13	crucial	crucial	ADJ
abrj-495	59	14	mediator	mediator	NOUN
abrj-495	59	15	that	that	PRON
abrj-495	59	16	connects	connect	VERB
abrj-495	59	17	risk	risk	NOUN
abrj-495	59	18	perception	perception	NOUN
abrj-495	59	19	to	to	ADP
abrj-495	59	20	the	the	DET
abrj-495	59	21	decision	decision	NOUN
abrj-495	59	22	to	to	PART
abrj-495	59	23	engage	engage	VERB
abrj-495	59	24	with	with	ADP
abrj-495	59	25	the	the	DET
abrj-495	59	26	service	service	NOUN
abrj-495	59	27	.	.	PUNCT
abrj-495	60	1	consumers	consumer	NOUN
abrj-495	60	2	typically	typically	ADV
abrj-495	60	3	weigh	weigh	VERB
abrj-495	60	4	various	various	ADJ
abrj-495	60	5	potential	potential	ADJ
abrj-495	60	6	risks	risk	NOUN
abrj-495	60	7	,	,	PUNCT
abrj-495	60	8	including	include	VERB
abrj-495	60	9	data	datum	NOUN
abrj-495	60	10	security	security	NOUN
abrj-495	60	11	,	,	PUNCT
abrj-495	60	12	information	information	NOUN
abrj-495	60	13	transparency	transparency	NOUN
abrj-495	60	14	,	,	PUNCT
abrj-495	60	15	and	and	CCONJ
abrj-495	60	16	service	service	NOUN
abrj-495	60	17	quality	quality	NOUN
abrj-495	60	18	,	,	PUNCT
abrj-495	60	19	before	before	ADP
abrj-495	60	20	selecting	select	VERB
abrj-495	60	21	an	an	DET
abrj-495	60	22	online	online	ADJ
abrj-495	60	23	loan	loan	NOUN
abrj-495	60	24	platform	platform	NOUN
abrj-495	60	25	.	.	PUNCT
abrj-495	61	1	yet	yet	ADV
abrj-495	61	2	,	,	PUNCT
abrj-495	61	3	when	when	SCONJ
abrj-495	61	4	consumers	consumer	NOUN
abrj-495	61	5	possess	possess	VERB
abrj-495	61	6	a	a	DET
abrj-495	61	7	high	high	ADJ
abrj-495	61	8	level	level	NOUN
abrj-495	61	9	of	of	ADP
abrj-495	61	10	trust	trust	NOUN
abrj-495	61	11	in	in	ADP
abrj-495	61	12	the	the	DET
abrj-495	61	13	platform	platform	NOUN
abrj-495	61	14	,	,	PUNCT
abrj-495	61	15	they	they	PRON
abrj-495	61	16	are	be	AUX
abrj-495	61	17	more	more	ADV
abrj-495	61	18	likely	likely	ADJ
abrj-495	61	19	to	to	PART
abrj-495	61	20	utilize	utilize	VERB
abrj-495	61	21	the	the	DET
abrj-495	61	22	service	service	NOUN
abrj-495	61	23	,	,	PUNCT
abrj-495	61	24	even	even	ADV
abrj-495	61	25	in	in	ADP
abrj-495	61	26	the	the	DET
abrj-495	61	27	face	face	NOUN
abrj-495	61	28	of	of	ADP
abrj-495	61	29	potential	potential	ADJ
abrj-495	61	30	risks	risk	NOUN
abrj-495	61	31	.	.	PUNCT
abrj-495	62	1	some	some	DET
abrj-495	62	2	past	past	ADJ
abrj-495	62	3	observations	observation	NOUN
abrj-495	62	4	have	have	AUX
abrj-495	62	5	applied	apply	VERB
abrj-495	62	6	the	the	DET
abrj-495	62	7	trf	trf	NOUN
abrj-495	62	8	to	to	ADP
abrj-495	62	9	the	the	DET
abrj-495	62	10	adoption	adoption	NOUN
abrj-495	62	11	of	of	ADP
abrj-495	62	12	digital	digital	ADJ
abrj-495	62	13	financial	financial	ADJ
abrj-495	62	14	services	service	NOUN
abrj-495	62	15	.	.	PUNCT
abrj-495	63	1	for	for	ADP
abrj-495	63	2	instance	instance	NOUN
abrj-495	63	3	,	,	PUNCT
abrj-495	63	4	the	the	DET
abrj-495	63	5	research	research	NOUN
abrj-495	63	6	conducted	conduct	VERB
abrj-495	63	7	by	by	ADP
abrj-495	63	8	kim	kim	PROPN
abrj-495	63	9	et	et	PROPN
abrj-495	63	10	al	al	PROPN
abrj-495	63	11	.	.	PROPN
abrj-495	64	1	(	(	PUNCT
abrj-495	64	2	2022	2022	NUM
abrj-495	64	3	)	)	PUNCT
abrj-495	64	4	demonstrates	demonstrate	VERB
abrj-495	64	5	that	that	SCONJ
abrj-495	64	6	perceived	perceive	VERB
abrj-495	64	7	instructor	instructor	NOUN
abrj-495	64	8	credibility	credibility	NOUN
abrj-495	64	9	,	,	PUNCT
abrj-495	64	10	as	as	ADP
abrj-495	64	11	a	a	DET
abrj-495	64	12	component	component	NOUN
abrj-495	64	13	of	of	ADP
abrj-495	64	14	trust	trust	NOUN
abrj-495	64	15	,	,	PUNCT
abrj-495	64	16	can	can	AUX
abrj-495	64	17	systematically	systematically	ADV
abrj-495	64	18	mediate	mediate	VERB
abrj-495	64	19	the	the	DET
abrj-495	64	20	link	link	NOUN
abrj-495	64	21	between	between	ADP
abrj-495	64	22	instructor	instructor	NOUN
abrj-495	64	23	voice	voice	NOUN
abrj-495	64	24	characteristics	characteristic	NOUN
abrj-495	64	25	and	and	CCONJ
abrj-495	64	26	the	the	DET
abrj-495	64	27	intention	intention	NOUN
abrj-495	64	28	to	to	PART
abrj-495	64	29	use	use	VERB
abrj-495	64	30	services	service	NOUN
abrj-495	64	31	.	.	PUNCT
abrj-495	65	1	this	this	DET
abrj-495	65	2	reality	reality	NOUN
abrj-495	65	3	is	be	AUX
abrj-495	65	4	pertinent	pertinent	ADJ
abrj-495	65	5	to	to	ADP
abrj-495	65	6	the	the	DET
abrj-495	65	7	works	work	NOUN
abrj-495	65	8	published	publish	VERB
abrj-495	65	9	by	by	ADP
abrj-495	65	10	van	van	PROPN
abrj-495	65	11	der	der	NOUN
abrj-495	65	12	schyff	schyff	NOUN
abrj-495	65	13	and	and	CCONJ
abrj-495	65	14	flowerday	flowerday	PROPN
abrj-495	65	15	(	(	PUNCT
abrj-495	65	16	2023	2023	NUM
abrj-495	65	17	)	)	PUNCT
abrj-495	65	18	and	and	CCONJ
abrj-495	65	19	wang	wang	PROPN
abrj-495	65	20	et	et	PROPN
abrj-495	65	21	al	al	PROPN
abrj-495	65	22	.	.	PROPN
abrj-495	66	1	(	(	PUNCT
abrj-495	66	2	2016	2016	NUM
abrj-495	66	3	)	)	PUNCT
abrj-495	66	4	,	,	PUNCT
abrj-495	66	5	which	which	PRON
abrj-495	66	6	highlight	highlight	VERB
abrj-495	66	7	trust	trust	NOUN
abrj-495	66	8	as	as	ADP
abrj-495	66	9	a	a	DET
abrj-495	66	10	essential	essential	ADJ
abrj-495	66	11	pillar	pillar	NOUN
abrj-495	66	12	that	that	PRON
abrj-495	66	13	connects	connect	VERB
abrj-495	66	14	risk	risk	NOUN
abrj-495	66	15	perception	perception	NOUN
abrj-495	66	16	with	with	ADP
abrj-495	66	17	consumers	consumer	NOUN
abrj-495	66	18	'	'	PART
abrj-495	66	19	behavior	behavior	NOUN
abrj-495	66	20	on	on	ADP
abrj-495	66	21	social	social	ADJ
abrj-495	66	22	media	medium	NOUN
abrj-495	66	23	platforms	platform	NOUN
abrj-495	66	24	.	.	PUNCT
abrj-495	67	1	2.3	2.3	NUM
abrj-495	67	2	.	.	PUNCT
abrj-495	67	3	financial	financial	ADJ
abrj-495	67	4	behavior	behavior	NOUN
abrj-495	67	5	theory	theory	NOUN
abrj-495	67	6	(	(	PUNCT
abrj-495	67	7	fbt	fbt	PROPN
abrj-495	67	8	)	)	PUNCT
abrj-495	67	9	the	the	DET
abrj-495	67	10	fbt	fbt	NOUN
abrj-495	67	11	developed	develop	VERB
abrj-495	67	12	by	by	ADP
abrj-495	67	13	shefrin	shefrin	NOUN
abrj-495	67	14	(	(	PUNCT
abrj-495	67	15	2007	2007	NUM
abrj-495	67	16	)	)	PUNCT
abrj-495	67	17	serves	serve	VERB
abrj-495	67	18	as	as	ADP
abrj-495	67	19	a	a	DET
abrj-495	67	20	pertinent	pertinent	ADJ
abrj-495	67	21	theoretical	theoretical	ADJ
abrj-495	67	22	foundation	foundation	NOUN
abrj-495	67	23	for	for	ADP
abrj-495	67	24	understanding	understand	VERB
abrj-495	67	25	online	online	ADJ
abrj-495	67	26	loan	loan	NOUN
abrj-495	67	27	adoption	adoption	NOUN
abrj-495	67	28	.	.	PUNCT
abrj-495	68	1	this	this	DET
abrj-495	68	2	theory	theory	NOUN
abrj-495	68	3	elucidates	elucidate	VERB
abrj-495	68	4	how	how	SCONJ
abrj-495	68	5	psychological	psychological	ADJ
abrj-495	68	6	aspects	aspect	NOUN
abrj-495	68	7	,	,	PUNCT
abrj-495	68	8	such	such	ADJ
abrj-495	68	9	as	as	ADP
abrj-495	68	10	perceptions	perception	NOUN
abrj-495	68	11	,	,	PUNCT
abrj-495	68	12	attitudes	attitude	NOUN
abrj-495	68	13	,	,	PUNCT
abrj-495	68	14	and	and	CCONJ
abrj-495	68	15	behaviors	behavior	NOUN
abrj-495	68	16	,	,	PUNCT
abrj-495	68	17	influence	influence	VERB
abrj-495	68	18	an	an	DET
abrj-495	68	19	individual	individual	NOUN
abrj-495	68	20	's	's	PART
abrj-495	68	21	financial	financial	ADJ
abrj-495	68	22	decision	decision	NOUN
abrj-495	68	23	-	-	PUNCT
abrj-495	68	24	making	make	VERB
abrj-495	68	25	process	process	NOUN
abrj-495	68	26	.	.	PUNCT
abrj-495	69	1	dervishaj	dervishaj	PROPN
abrj-495	69	2	(	(	PUNCT
abrj-495	69	3	2021	2021	NUM
abrj-495	69	4	)	)	PUNCT
abrj-495	69	5	contends	contend	VERB
abrj-495	69	6	that	that	SCONJ
abrj-495	69	7	these	these	DET
abrj-495	69	8	psychological	psychological	ADJ
abrj-495	69	9	aspects	aspect	NOUN
abrj-495	69	10	can	can	AUX
abrj-495	69	11	lead	lead	VERB
abrj-495	69	12	to	to	ADP
abrj-495	69	13	biases	bias	NOUN
abrj-495	69	14	and	and	CCONJ
abrj-495	69	15	heuristics	heuristic	NOUN
abrj-495	69	16	that	that	PRON
abrj-495	69	17	affect	affect	VERB
abrj-495	69	18	financial	financial	ADJ
abrj-495	69	19	decisions	decision	NOUN
abrj-495	69	20	.	.	PUNCT
abrj-495	70	1	mahmood	mahmood	PROPN
abrj-495	70	2	et	et	PROPN
abrj-495	70	3	al	al	PROPN
abrj-495	70	4	.	.	PROPN
abrj-495	71	1	(	(	PUNCT
abrj-495	71	2	2024	2024	NUM
abrj-495	71	3	)	)	PUNCT
abrj-495	71	4	applied	apply	VERB
abrj-495	71	5	fbt	fbt	NOUN
abrj-495	71	6	to	to	PART
abrj-495	71	7	examine	examine	VERB
abrj-495	71	8	consumers	consumer	NOUN
abrj-495	71	9	'	'	PART
abrj-495	71	10	adoption	adoption	NOUN
abrj-495	71	11	of	of	ADP
abrj-495	71	12	digital	digital	ADJ
abrj-495	71	13	financial	financial	ADJ
abrj-495	71	14	services	service	NOUN
abrj-495	71	15	.	.	PUNCT
abrj-495	72	1	their	their	PRON
abrj-495	72	2	findings	finding	NOUN
abrj-495	72	3	indicate	indicate	VERB
abrj-495	72	4	that	that	SCONJ
abrj-495	72	5	financial	financial	ADJ
abrj-495	72	6	literacy	literacy	NOUN
abrj-495	72	7	,	,	PUNCT
abrj-495	72	8	a	a	DET
abrj-495	72	9	crucial	crucial	ADJ
abrj-495	72	10	component	component	NOUN
abrj-495	72	11	of	of	ADP
abrj-495	72	12	this	this	DET
abrj-495	72	13	theory	theory	NOUN
abrj-495	72	14	,	,	PUNCT
abrj-495	72	15	significantly	significantly	ADV
abrj-495	72	16	contributes	contribute	VERB
abrj-495	72	17	to	to	ADP
abrj-495	72	18	the	the	DET
abrj-495	72	19	development	development	NOUN
abrj-495	72	20	of	of	ADP
abrj-495	72	21	responsible	responsible	ADJ
abrj-495	72	22	digital	digital	ADJ
abrj-495	72	23	financial	financial	ADJ
abrj-495	72	24	behavior	behavior	NOUN
abrj-495	72	25	.	.	PUNCT
abrj-495	73	1	individuals	individual	NOUN
abrj-495	73	2	with	with	ADP
abrj-495	73	3	strong	strong	ADJ
abrj-495	73	4	financial	financial	ADJ
abrj-495	73	5	literacy	literacy	NOUN
abrj-495	73	6	tend	tend	VERB
abrj-495	73	7	to	to	PART
abrj-495	73	8	possess	possess	VERB
abrj-495	73	9	a	a	DET
abrj-495	73	10	more	more	ADV
abrj-495	73	11	comprehensive	comprehensive	ADJ
abrj-495	73	12	understanding	understanding	NOUN
abrj-495	73	13	of	of	ADP
abrj-495	73	14	the	the	DET
abrj-495	73	15	risks	risk	NOUN
abrj-495	73	16	and	and	CCONJ
abrj-495	73	17	benefits	benefit	NOUN
abrj-495	73	18	associated	associate	VERB
abrj-495	73	19	with	with	ADP
abrj-495	73	20	financial	financial	ADJ
abrj-495	73	21	products	product	NOUN
abrj-495	73	22	,	,	PUNCT
abrj-495	73	23	including	include	VERB
abrj-495	73	24	online	online	ADJ
abrj-495	73	25	loans	loan	NOUN
abrj-495	73	26	.	.	PUNCT
abrj-495	74	1	this	this	PRON
abrj-495	74	2	can	can	AUX
abrj-495	74	3	encourage	encourage	VERB
abrj-495	74	4	individuals	individual	NOUN
abrj-495	74	5	to	to	PART
abrj-495	74	6	make	make	VERB
abrj-495	74	7	financial	financial	ADJ
abrj-495	74	8	decisions	decision	NOUN
abrj-495	74	9	that	that	PRON
abrj-495	74	10	are	be	AUX
abrj-495	74	11	more	more	ADV
abrj-495	74	12	prudent	prudent	ADJ
abrj-495	74	13	and	and	CCONJ
abrj-495	74	14	aligned	align	VERB
abrj-495	74	15	with	with	ADP
abrj-495	74	16	their	their	PRON
abrj-495	74	17	specific	specific	ADJ
abrj-495	74	18	financial	financial	ADJ
abrj-495	74	19	circumstances	circumstance	NOUN
abrj-495	74	20	.	.	PUNCT
abrj-495	75	1	conversely	conversely	ADV
abrj-495	75	2	,	,	PUNCT
abrj-495	75	3	consumers	consumer	NOUN
abrj-495	75	4	with	with	ADP
abrj-495	75	5	low	low	ADJ
abrj-495	75	6	financial	financial	ADJ
abrj-495	75	7	literacy	literacy	NOUN
abrj-495	75	8	are	be	AUX
abrj-495	75	9	at	at	ADP
abrj-495	75	10	risk	risk	NOUN
abrj-495	75	11	of	of	ADP
abrj-495	75	12	making	make	VERB
abrj-495	75	13	suboptimal	suboptimal	ADJ
abrj-495	75	14	choices	choice	NOUN
abrj-495	75	15	,	,	PUNCT
abrj-495	75	16	such	such	ADJ
abrj-495	75	17	as	as	ADP
abrj-495	75	18	falling	fall	VERB
abrj-495	75	19	into	into	ADP
abrj-495	75	20	unmanageable	unmanageable	ADJ
abrj-495	75	21	debt	debt	NOUN
abrj-495	75	22	or	or	CCONJ
abrj-495	75	23	becoming	become	VERB
abrj-495	75	24	victims	victim	NOUN
abrj-495	75	25	of	of	ADP
abrj-495	75	26	financial	financial	ADJ
abrj-495	75	27	fraud	fraud	NOUN
abrj-495	75	28	.	.	PUNCT
abrj-495	76	1	therefore	therefore	ADV
abrj-495	76	2	,	,	PUNCT
abrj-495	76	3	financial	financial	ADJ
abrj-495	76	4	literacy	literacy	NOUN
abrj-495	76	5	serves	serve	VERB
abrj-495	76	6	as	as	ADP
abrj-495	76	7	the	the	DET
abrj-495	76	8	foundation	foundation	NOUN
abrj-495	76	9	that	that	PRON
abrj-495	76	10	shapes	shape	VERB
abrj-495	76	11	consumer	consumer	NOUN
abrj-495	76	12	behavior	behavior	NOUN
abrj-495	76	13	and	and	CCONJ
abrj-495	76	14	decision	decision	NOUN
abrj-495	76	15	-	-	PUNCT
abrj-495	76	16	making	making	NOUN
abrj-495	76	17	when	when	SCONJ
abrj-495	76	18	adopting	adopt	VERB
abrj-495	76	19	online	online	ADJ
abrj-495	76	20	loan	loan	NOUN
abrj-495	76	21	services	service	NOUN
abrj-495	76	22	.	.	PUNCT
abrj-495	77	1	2.4	2.4	NUM
abrj-495	77	2	.	.	PUNCT
abrj-495	77	3	conceptual	conceptual	ADJ
abrj-495	77	4	framework	framework	NOUN
abrj-495	77	5	and	and	CCONJ
abrj-495	77	6	hypothesis	hypothesis	NOUN
abrj-495	77	7	based	base	VERB
abrj-495	77	8	on	on	ADP
abrj-495	77	9	the	the	DET
abrj-495	77	10	literature	literature	NOUN
abrj-495	77	11	review	review	NOUN
abrj-495	77	12	and	and	CCONJ
abrj-495	77	13	hypothesis	hypothesis	NOUN
abrj-495	77	14	development	development	NOUN
abrj-495	77	15	,	,	PUNCT
abrj-495	77	16	the	the	DET
abrj-495	77	17	conceptual	conceptual	ADJ
abrj-495	77	18	framework	framework	NOUN
abrj-495	77	19	illustrated	illustrate	VERB
abrj-495	77	20	in	in	ADP
abrj-495	77	21	figure	figure	NOUN
abrj-495	77	22	1	1	NUM
abrj-495	77	23	below	below	ADV
abrj-495	77	24	visualizes	visualize	VERB
abrj-495	77	25	the	the	DET
abrj-495	77	26	direct	direct	ADJ
abrj-495	77	27	relationships	relationship	NOUN
abrj-495	77	28	among	among	ADP
abrj-495	77	29	financial	financial	ADJ
abrj-495	77	30	literacy	literacy	NOUN
abrj-495	77	31	,	,	PUNCT
abrj-495	77	32	consumer	consumer	NOUN
abrj-495	77	33	awareness	awareness	NOUN
abrj-495	77	34	,	,	PUNCT
abrj-495	77	35	and	and	CCONJ
abrj-495	77	36	ease	ease	NOUN
abrj-495	77	37	of	of	ADP
abrj-495	77	38	access	access	NOUN
abrj-495	77	39	to	to	ADP
abrj-495	77	40	online	online	ADJ
abrj-495	77	41	loan	loan	NOUN
abrj-495	77	42	.	.	PUNCT
abrj-495	78	1	it	it	PRON
abrj-495	78	2	also	also	ADV
abrj-495	78	3	depicts	depict	VERB
abrj-495	78	4	the	the	DET
abrj-495	78	5	mediating	mediate	VERB
abrj-495	78	6	effect	effect	NOUN
abrj-495	78	7	of	of	ADP
abrj-495	78	8	trust	trust	NOUN
abrj-495	78	9	within	within	ADP
abrj-495	78	10	these	these	DET
abrj-495	78	11	relationships	relationship	NOUN
abrj-495	78	12	and	and	CCONJ
abrj-495	78	13	the	the	DET
abrj-495	78	14	interactions	interaction	NOUN
abrj-495	78	15	between	between	ADP
abrj-495	78	16	the	the	DET
abrj-495	78	17	variables	variable	NOUN
abrj-495	78	18	.	.	PUNCT
abrj-495	79	1	figure	figure	NOUN
abrj-495	79	2	1	1	NUM
abrj-495	79	3	.	.	PUNCT
abrj-495	79	4	conceptual	conceptual	ADJ
abrj-495	79	5	framework	framework	NOUN
abrj-495	79	6	.	.	PUNCT
abrj-495	80	1	asian	asian	ADJ
abrj-495	80	2	business	business	PROPN
abrj-495	80	3	research	research	NOUN
abrj-495	80	4	journal	journal	NOUN
abrj-495	80	5	,	,	PUNCT
abrj-495	80	6	2025	2025	NUM
abrj-495	80	7	,	,	PUNCT
abrj-495	80	8	10(7	10(7	NUM
abrj-495	80	9	):	):	PUNCT
abrj-495	80	10	50	50	NUM
abrj-495	80	11	-	-	SYM
abrj-495	80	12	59	59	NUM
abrj-495	80	13	52	52	NUM
abrj-495	80	14	©	©	PROPN
abrj-495	80	15	2025	2025	NUM
abrj-495	80	16	by	by	ADP
abrj-495	80	17	the	the	DET
abrj-495	80	18	authors	author	NOUN
abrj-495	80	19	;	;	PUNCT
abrj-495	80	20	licensee	licensee	NOUN
abrj-495	80	21	eastern	eastern	ADJ
abrj-495	80	22	centre	centre	NOUN
abrj-495	80	23	of	of	ADP
abrj-495	80	24	science	science	NOUN
abrj-495	80	25	and	and	CCONJ
abrj-495	80	26	education	education	NOUN
abrj-495	80	27	,	,	PUNCT
abrj-495	80	28	usa	usa	PROPN
abrj-495	80	29	financial	financial	ADJ
abrj-495	80	30	literacy	literacy	NOUN
abrj-495	80	31	serves	serve	VERB
abrj-495	80	32	as	as	ADP
abrj-495	80	33	a	a	DET
abrj-495	80	34	crucial	crucial	ADJ
abrj-495	80	35	foundation	foundation	NOUN
abrj-495	80	36	for	for	ADP
abrj-495	80	37	making	make	VERB
abrj-495	80	38	informed	inform	VERB
abrj-495	80	39	digital	digital	ADJ
abrj-495	80	40	financial	financial	ADJ
abrj-495	80	41	decisions	decision	NOUN
abrj-495	80	42	(	(	PUNCT
abrj-495	80	43	mishra	mishra	PROPN
abrj-495	80	44	et	et	PROPN
abrj-495	80	45	al	al	PROPN
abrj-495	80	46	.	.	PROPN
abrj-495	80	47	,	,	PUNCT
abrj-495	80	48	2024	2024	NUM
abrj-495	80	49	)	)	PUNCT
abrj-495	80	50	.	.	PUNCT
abrj-495	81	1	according	accord	VERB
abrj-495	81	2	to	to	ADP
abrj-495	81	3	zhang	zhang	PROPN
abrj-495	81	4	et	et	PROPN
abrj-495	81	5	al	al	PROPN
abrj-495	81	6	.	.	PROPN
abrj-495	82	1	(	(	PUNCT
abrj-495	82	2	2023	2023	NUM
abrj-495	82	3	)	)	PUNCT
abrj-495	82	4	,	,	PUNCT
abrj-495	82	5	fintech	fintech	NOUN
abrj-495	82	6	users	user	NOUN
abrj-495	82	7	in	in	ADP
abrj-495	82	8	southeast	southeast	PROPN
abrj-495	82	9	asia	asia	PROPN
abrj-495	82	10	demonstrate	demonstrate	VERB
abrj-495	82	11	that	that	SCONJ
abrj-495	82	12	high	high	ADJ
abrj-495	82	13	levels	level	NOUN
abrj-495	82	14	of	of	ADP
abrj-495	82	15	financial	financial	ADJ
abrj-495	82	16	literacy	literacy	NOUN
abrj-495	82	17	are	be	AUX
abrj-495	82	18	strongly	strongly	ADV
abrj-495	82	19	correlated	correlate	VERB
abrj-495	82	20	with	with	ADP
abrj-495	82	21	the	the	DET
abrj-495	82	22	responsible	responsible	ADJ
abrj-495	82	23	use	use	NOUN
abrj-495	82	24	of	of	ADP
abrj-495	82	25	digital	digital	ADJ
abrj-495	82	26	financial	financial	ADJ
abrj-495	82	27	services	service	NOUN
abrj-495	82	28	.	.	PUNCT
abrj-495	83	1	supporting	support	VERB
abrj-495	83	2	this	this	PRON
abrj-495	83	3	,	,	PUNCT
abrj-495	83	4	studies	study	NOUN
abrj-495	83	5	by	by	ADP
abrj-495	83	6	suryono	suryono	NOUN
abrj-495	83	7	et	et	PROPN
abrj-495	83	8	al	al	PROPN
abrj-495	83	9	.	.	PROPN
abrj-495	84	1	(	(	PUNCT
abrj-495	84	2	2021	2021	NUM
abrj-495	84	3	)	)	PUNCT
abrj-495	84	4	and	and	CCONJ
abrj-495	84	5	wang	wang	PROPN
abrj-495	84	6	et	et	PROPN
abrj-495	84	7	al	al	PROPN
abrj-495	84	8	.	.	PROPN
abrj-495	85	1	(	(	PUNCT
abrj-495	85	2	2015	2015	NUM
abrj-495	85	3	)	)	PUNCT
abrj-495	85	4	confirm	confirm	VERB
abrj-495	85	5	that	that	SCONJ
abrj-495	85	6	individuals	individual	NOUN
abrj-495	85	7	with	with	ADP
abrj-495	85	8	a	a	DET
abrj-495	85	9	solid	solid	ADJ
abrj-495	85	10	understanding	understanding	NOUN
abrj-495	85	11	of	of	ADP
abrj-495	85	12	financial	financial	ADJ
abrj-495	85	13	concepts	concept	NOUN
abrj-495	85	14	tend	tend	VERB
abrj-495	85	15	to	to	PART
abrj-495	85	16	be	be	AUX
abrj-495	85	17	more	more	ADV
abrj-495	85	18	discerning	discern	VERB
abrj-495	85	19	when	when	SCONJ
abrj-495	85	20	selecting	select	VERB
abrj-495	85	21	online	online	ADJ
abrj-495	85	22	loan	loan	NOUN
abrj-495	85	23	platforms	platform	NOUN
abrj-495	85	24	.	.	PUNCT
abrj-495	86	1	furthermore	furthermore	ADV
abrj-495	86	2	,	,	PUNCT
abrj-495	86	3	consumer	consumer	NOUN
abrj-495	86	4	awareness	awareness	NOUN
abrj-495	86	5	regarding	regard	VERB
abrj-495	86	6	online	online	ADJ
abrj-495	86	7	loan	loan	NOUN
abrj-495	86	8	services	service	NOUN
abrj-495	86	9	plays	play	VERB
abrj-495	86	10	a	a	DET
abrj-495	86	11	significant	significant	ADJ
abrj-495	86	12	role	role	NOUN
abrj-495	86	13	in	in	ADP
abrj-495	86	14	shaping	shape	VERB
abrj-495	86	15	perceptions	perception	NOUN
abrj-495	86	16	and	and	CCONJ
abrj-495	86	17	interest	interest	NOUN
abrj-495	86	18	in	in	ADP
abrj-495	86	19	their	their	PRON
abrj-495	86	20	use	use	NOUN
abrj-495	86	21	.	.	PUNCT
abrj-495	87	1	sutedja	sutedja	PROPN
abrj-495	87	2	et	et	PROPN
abrj-495	87	3	al	al	PROPN
abrj-495	87	4	.	.	PROPN
abrj-495	88	1	(	(	PUNCT
abrj-495	88	2	2024	2024	NUM
abrj-495	88	3	)	)	PUNCT
abrj-495	88	4	identified	identify	VERB
abrj-495	88	5	that	that	SCONJ
abrj-495	88	6	a	a	DET
abrj-495	88	7	heightened	heightened	ADJ
abrj-495	88	8	awareness	awareness	NOUN
abrj-495	88	9	of	of	ADP
abrj-495	88	10	clear	clear	ADJ
abrj-495	88	11	regulations	regulation	NOUN
abrj-495	88	12	and	and	CCONJ
abrj-495	88	13	mechanisms	mechanism	NOUN
abrj-495	88	14	increases	increase	VERB
abrj-495	88	15	the	the	DET
abrj-495	88	16	likelihood	likelihood	NOUN
abrj-495	88	17	of	of	ADP
abrj-495	88	18	utilizing	utilize	VERB
abrj-495	88	19	online	online	ADJ
abrj-495	88	20	loans	loan	NOUN
abrj-495	88	21	.	.	PUNCT
abrj-495	89	1	moreover	moreover	ADV
abrj-495	89	2	,	,	PUNCT
abrj-495	89	3	vijayagopal	vijayagopal	PROPN
abrj-495	89	4	et	et	PROPN
abrj-495	89	5	al	al	PROPN
abrj-495	89	6	.	.	PROPN
abrj-495	90	1	(	(	PUNCT
abrj-495	90	2	2024	2024	NUM
abrj-495	90	3	)	)	PUNCT
abrj-495	90	4	demonstrated	demonstrate	VERB
abrj-495	90	5	that	that	SCONJ
abrj-495	90	6	consumer	consumer	NOUN
abrj-495	90	7	education	education	NOUN
abrj-495	90	8	programs	program	NOUN
abrj-495	90	9	can	can	AUX
abrj-495	90	10	effectively	effectively	ADV
abrj-495	90	11	stimulate	stimulate	VERB
abrj-495	90	12	fintech	fintech	NOUN
abrj-495	90	13	adoption	adoption	NOUN
abrj-495	90	14	rates	rate	NOUN
abrj-495	90	15	over	over	ADP
abrj-495	90	16	the	the	DET
abrj-495	90	17	long	long	ADJ
abrj-495	90	18	term	term	NOUN
abrj-495	90	19	.	.	PUNCT
abrj-495	91	1	ease	ease	NOUN
abrj-495	91	2	of	of	ADP
abrj-495	91	3	access	access	NOUN
abrj-495	91	4	is	be	AUX
abrj-495	91	5	a	a	DET
abrj-495	91	6	determinant	determinant	ADJ
abrj-495	91	7	in	in	ADP
abrj-495	91	8	the	the	DET
abrj-495	91	9	adoption	adoption	NOUN
abrj-495	91	10	of	of	ADP
abrj-495	91	11	fintech	fintech	NOUN
abrj-495	91	12	.	.	PUNCT
abrj-495	92	1	wang	wang	PROPN
abrj-495	92	2	et	et	PROPN
abrj-495	92	3	al	al	PROPN
abrj-495	92	4	.	.	PROPN
abrj-495	92	5	(	(	PUNCT
abrj-495	92	6	2023	2023	NUM
abrj-495	92	7	)	)	PUNCT
abrj-495	92	8	validated	validate	VERB
abrj-495	92	9	that	that	SCONJ
abrj-495	92	10	a	a	DET
abrj-495	92	11	simplified	simplified	ADJ
abrj-495	92	12	user	user	NOUN
abrj-495	92	13	interface	interface	NOUN
abrj-495	92	14	and	and	CCONJ
abrj-495	92	15	a	a	DET
abrj-495	92	16	streamlined	streamlined	ADJ
abrj-495	92	17	application	application	NOUN
abrj-495	92	18	process	process	NOUN
abrj-495	92	19	significantly	significantly	ADV
abrj-495	92	20	increase	increase	VERB
abrj-495	92	21	conversion	conversion	NOUN
abrj-495	92	22	rates	rate	NOUN
abrj-495	92	23	.	.	PUNCT
abrj-495	93	1	this	this	DET
abrj-495	93	2	reality	reality	NOUN
abrj-495	93	3	is	be	AUX
abrj-495	93	4	further	far	ADV
abrj-495	93	5	supported	support	VERB
abrj-495	93	6	by	by	ADP
abrj-495	93	7	nawi	nawi	PROPN
abrj-495	93	8	et	et	PROPN
abrj-495	93	9	al	al	PROPN
abrj-495	93	10	.	.	PROPN
abrj-495	94	1	(	(	PUNCT
abrj-495	94	2	2024	2024	NUM
abrj-495	94	3	)	)	PUNCT
abrj-495	94	4	,	,	PUNCT
abrj-495	94	5	who	who	PRON
abrj-495	94	6	demonstrated	demonstrate	VERB
abrj-495	94	7	that	that	SCONJ
abrj-495	94	8	accessibility	accessibility	NOUN
abrj-495	94	9	and	and	CCONJ
abrj-495	94	10	paperless	paperless	NOUN
abrj-495	94	11	procedures	procedure	NOUN
abrj-495	94	12	are	be	AUX
abrj-495	94	13	primary	primary	ADJ
abrj-495	94	14	drivers	driver	NOUN
abrj-495	94	15	of	of	ADP
abrj-495	94	16	consumer	consumer	NOUN
abrj-495	94	17	preference	preference	NOUN
abrj-495	94	18	for	for	ADP
abrj-495	94	19	online	online	ADJ
abrj-495	94	20	loans	loan	NOUN
abrj-495	94	21	.	.	PUNCT
abrj-495	95	1	besides	besides	SCONJ
abrj-495	95	2	,	,	PUNCT
abrj-495	95	3	trust	trust	NOUN
abrj-495	95	4	serves	serve	VERB
abrj-495	95	5	as	as	ADP
abrj-495	95	6	a	a	DET
abrj-495	95	7	catalyst	catalyst	NOUN
abrj-495	95	8	for	for	ADP
abrj-495	95	9	interest	interest	NOUN
abrj-495	95	10	in	in	ADP
abrj-495	95	11	online	online	ADJ
abrj-495	95	12	loan	loan	NOUN
abrj-495	95	13	,	,	PUNCT
abrj-495	95	14	influencing	influence	VERB
abrj-495	95	15	several	several	ADJ
abrj-495	95	16	key	key	ADJ
abrj-495	95	17	elements	element	NOUN
abrj-495	95	18	.	.	PUNCT
abrj-495	96	1	comprehensive	comprehensive	ADJ
abrj-495	96	2	studies	study	NOUN
abrj-495	96	3	by	by	ADP
abrj-495	96	4	chawla	chawla	PROPN
abrj-495	96	5	et	et	PROPN
abrj-495	96	6	al	al	PROPN
abrj-495	96	7	.	.	PROPN
abrj-495	96	8	(	(	PUNCT
abrj-495	96	9	2023	2023	NUM
abrj-495	96	10	)	)	PUNCT
abrj-495	96	11	and	and	CCONJ
abrj-495	96	12	ridwan	ridwan	PROPN
abrj-495	96	13	et	et	PROPN
abrj-495	96	14	al	al	PROPN
abrj-495	96	15	.	.	PROPN
abrj-495	97	1	(	(	PUNCT
abrj-495	97	2	2025	2025	NUM
abrj-495	97	3	)	)	PUNCT
abrj-495	97	4	indicate	indicate	VERB
abrj-495	97	5	that	that	PRON
abrj-495	97	6	trust	trust	NOUN
abrj-495	97	7	partially	partially	ADV
abrj-495	97	8	mediates	mediate	VERB
abrj-495	97	9	the	the	DET
abrj-495	97	10	relationship	relationship	NOUN
abrj-495	97	11	between	between	ADP
abrj-495	97	12	financial	financial	ADJ
abrj-495	97	13	literacy	literacy	NOUN
abrj-495	97	14	and	and	CCONJ
abrj-495	97	15	the	the	DET
abrj-495	97	16	adoption	adoption	NOUN
abrj-495	97	17	of	of	ADP
abrj-495	97	18	digital	digital	ADJ
abrj-495	97	19	financial	financial	ADJ
abrj-495	97	20	services	service	NOUN
abrj-495	97	21	.	.	PUNCT
abrj-495	98	1	the	the	DET
abrj-495	98	2	link	link	NOUN
abrj-495	98	3	between	between	ADP
abrj-495	98	4	trust	trust	NOUN
abrj-495	98	5	and	and	CCONJ
abrj-495	98	6	interest	interest	NOUN
abrj-495	98	7	in	in	ADP
abrj-495	98	8	online	online	ADJ
abrj-495	98	9	loan	loan	NOUN
abrj-495	98	10	is	be	AUX
abrj-495	98	11	emphasized	emphasize	VERB
abrj-495	98	12	.	.	PUNCT
abrj-495	99	1	also	also	ADV
abrj-495	99	2	,	,	PUNCT
abrj-495	99	3	the	the	DET
abrj-495	99	4	mediating	mediate	VERB
abrj-495	99	5	effect	effect	NOUN
abrj-495	99	6	of	of	ADP
abrj-495	99	7	trust	trust	NOUN
abrj-495	99	8	in	in	ADP
abrj-495	99	9	the	the	DET
abrj-495	99	10	relationship	relationship	NOUN
abrj-495	99	11	among	among	ADP
abrj-495	99	12	financial	financial	ADJ
abrj-495	99	13	literacy	literacy	NOUN
abrj-495	99	14	,	,	PUNCT
abrj-495	99	15	consumer	consumer	NOUN
abrj-495	99	16	awareness	awareness	NOUN
abrj-495	99	17	,	,	PUNCT
abrj-495	99	18	and	and	CCONJ
abrj-495	99	19	ease	ease	NOUN
abrj-495	99	20	of	of	ADP
abrj-495	99	21	access	access	NOUN
abrj-495	99	22	on	on	ADP
abrj-495	99	23	online	online	ADJ
abrj-495	99	24	borrowing	borrowing	NOUN
abrj-495	99	25	intention	intention	NOUN
abrj-495	99	26	.	.	PUNCT
abrj-495	100	1	there	there	PRON
abrj-495	100	2	is	be	VERB
abrj-495	100	3	a	a	DET
abrj-495	100	4	positive	positive	ADJ
abrj-495	100	5	causality	causality	NOUN
abrj-495	100	6	between	between	ADP
abrj-495	100	7	platform	platform	NOUN
abrj-495	100	8	trust	trust	NOUN
abrj-495	100	9	and	and	CCONJ
abrj-495	100	10	borrowing	borrowing	NOUN
abrj-495	100	11	intentions	intention	NOUN
abrj-495	100	12	in	in	ADP
abrj-495	100	13	both	both	CCONJ
abrj-495	100	14	indonesia	indonesia	PROPN
abrj-495	100	15	and	and	CCONJ
abrj-495	100	16	malaysia	malaysia	PROPN
abrj-495	100	17	;	;	PUNCT
abrj-495	100	18	specifically	specifically	ADV
abrj-495	100	19	,	,	PUNCT
abrj-495	100	20	the	the	PRON
abrj-495	100	21	greater	great	ADJ
abrj-495	100	22	the	the	DET
abrj-495	100	23	trust	trust	NOUN
abrj-495	100	24	in	in	ADP
abrj-495	100	25	the	the	DET
abrj-495	100	26	platform	platform	NOUN
abrj-495	100	27	,	,	PUNCT
abrj-495	100	28	the	the	PRON
abrj-495	100	29	higher	high	ADJ
abrj-495	100	30	the	the	DET
abrj-495	100	31	intention	intention	NOUN
abrj-495	100	32	to	to	PART
abrj-495	100	33	borrow	borrow	VERB
abrj-495	100	34	(	(	PUNCT
abrj-495	100	35	pertiwi	pertiwi	VERB
abrj-495	100	36	et	et	PROPN
abrj-495	100	37	al	al	PROPN
abrj-495	100	38	.	.	PROPN
abrj-495	100	39	,	,	PUNCT
abrj-495	100	40	2025	2025	NUM
abrj-495	100	41	)	)	PUNCT
abrj-495	100	42	.	.	PUNCT
abrj-495	101	1	broadly	broadly	ADV
abrj-495	101	2	speaking	speak	VERB
abrj-495	101	3	,	,	PUNCT
abrj-495	101	4	financial	financial	ADJ
abrj-495	101	5	literacy	literacy	NOUN
abrj-495	101	6	influences	influence	VERB
abrj-495	101	7	access	access	NOUN
abrj-495	101	8	to	to	ADP
abrj-495	101	9	and	and	CCONJ
abrj-495	101	10	usage	usage	NOUN
abrj-495	101	11	of	of	ADP
abrj-495	101	12	fintech	fintech	NOUN
abrj-495	101	13	,	,	PUNCT
abrj-495	101	14	with	with	ADP
abrj-495	101	15	explicit	explicit	ADJ
abrj-495	101	16	trust	trust	NOUN
abrj-495	101	17	serving	serve	VERB
abrj-495	101	18	as	as	ADP
abrj-495	101	19	a	a	DET
abrj-495	101	20	crucial	crucial	ADJ
abrj-495	101	21	factor	factor	NOUN
abrj-495	101	22	,	,	PUNCT
abrj-495	101	23	as	as	SCONJ
abrj-495	101	24	both	both	PRON
abrj-495	101	25	literacy	literacy	NOUN
abrj-495	101	26	and	and	CCONJ
abrj-495	101	27	technology	technology	NOUN
abrj-495	101	28	contribute	contribute	VERB
abrj-495	101	29	to	to	ADP
abrj-495	101	30	borrowing	borrowing	NOUN
abrj-495	101	31	intentions	intention	NOUN
abrj-495	101	32	oriented	orient	VERB
abrj-495	101	33	toward	toward	ADP
abrj-495	101	34	financial	financial	ADJ
abrj-495	101	35	inclusion	inclusion	NOUN
abrj-495	101	36	(	(	PUNCT
abrj-495	101	37	thomas	thomas	PROPN
abrj-495	101	38	et	et	PROPN
abrj-495	101	39	al	al	PROPN
abrj-495	101	40	.	.	PROPN
abrj-495	101	41	,	,	PUNCT
abrj-495	101	42	2024	2024	NUM
abrj-495	101	43	;	;	PUNCT
abrj-495	101	44	yue	yue	PROPN
abrj-495	101	45	et	et	PROPN
abrj-495	101	46	al	al	PROPN
abrj-495	101	47	.	.	PROPN
abrj-495	101	48	,	,	PUNCT
abrj-495	101	49	2022	2022	NUM
abrj-495	101	50	)	)	PUNCT
abrj-495	101	51	.	.	PUNCT
abrj-495	102	1	in	in	ADP
abrj-495	102	2	mobile	mobile	ADJ
abrj-495	102	3	banking	banking	NOUN
abrj-495	102	4	services	service	NOUN
abrj-495	102	5	,	,	PUNCT
abrj-495	102	6	customer	customer	NOUN
abrj-495	102	7	awareness	awareness	NOUN
abrj-495	102	8	impacts	impact	VERB
abrj-495	102	9	adoption	adoption	NOUN
abrj-495	102	10	intentions	intention	NOUN
abrj-495	102	11	through	through	ADP
abrj-495	102	12	the	the	DET
abrj-495	102	13	role	role	NOUN
abrj-495	102	14	of	of	ADP
abrj-495	102	15	trust	trust	NOUN
abrj-495	102	16	(	(	PUNCT
abrj-495	102	17	tiwari	tiwari	NOUN
abrj-495	102	18	et	et	PROPN
abrj-495	102	19	al	al	PROPN
abrj-495	102	20	.	.	PROPN
abrj-495	102	21	,	,	PUNCT
abrj-495	102	22	2021	2021	NUM
abrj-495	102	23	)	)	PUNCT
abrj-495	102	24	.	.	PUNCT
abrj-495	103	1	on	on	ADP
abrj-495	103	2	the	the	DET
abrj-495	103	3	other	other	ADJ
abrj-495	103	4	hand	hand	NOUN
abrj-495	103	5	,	,	PUNCT
abrj-495	103	6	trust	trust	NOUN
abrj-495	103	7	mediates	mediate	VERB
abrj-495	103	8	the	the	DET
abrj-495	103	9	relationship	relationship	NOUN
abrj-495	103	10	between	between	ADP
abrj-495	103	11	perceived	perceive	VERB
abrj-495	103	12	risk	risk	NOUN
abrj-495	103	13	and	and	CCONJ
abrj-495	103	14	online	online	ADJ
abrj-495	103	15	purchase	purchase	NOUN
abrj-495	103	16	intentions	intention	NOUN
abrj-495	103	17	in	in	ADP
abrj-495	103	18	the	the	DET
abrj-495	103	19	scope	scope	NOUN
abrj-495	103	20	of	of	ADP
abrj-495	103	21	e	e	NOUN
abrj-495	103	22	-	-	NOUN
abrj-495	103	23	commerce	commerce	PROPN
abrj-495	103	24	(	(	PUNCT
abrj-495	103	25	hong	hong	PROPN
abrj-495	103	26	&	&	CCONJ
abrj-495	103	27	cha	cha	PROPN
abrj-495	103	28	,	,	PUNCT
abrj-495	103	29	2013	2013	NUM
abrj-495	103	30	)	)	PUNCT
abrj-495	103	31	.	.	PUNCT
abrj-495	104	1	finally	finally	ADV
abrj-495	104	2	,	,	PUNCT
abrj-495	104	3	suryawan	suryawan	PROPN
abrj-495	104	4	and	and	CCONJ
abrj-495	104	5	santikasari	santikasari	NOUN
abrj-495	104	6	(	(	PUNCT
abrj-495	104	7	2024	2024	NUM
abrj-495	104	8	)	)	PUNCT
abrj-495	104	9	attributed	attribute	VERB
abrj-495	104	10	the	the	DET
abrj-495	104	11	relevance	relevance	NOUN
abrj-495	104	12	between	between	ADP
abrj-495	104	13	ease	ease	NOUN
abrj-495	104	14	of	of	ADP
abrj-495	104	15	access	access	NOUN
abrj-495	104	16	and	and	CCONJ
abrj-495	104	17	trust	trust	NOUN
abrj-495	104	18	to	to	ADP
abrj-495	104	19	the	the	DET
abrj-495	104	20	intention	intention	NOUN
abrj-495	104	21	to	to	PART
abrj-495	104	22	adopt	adopt	VERB
abrj-495	104	23	online	online	ADJ
abrj-495	104	24	loan	loan	NOUN
abrj-495	104	25	applications	application	NOUN
abrj-495	104	26	.	.	PUNCT
abrj-495	105	1	the	the	DET
abrj-495	105	2	key	key	ADJ
abrj-495	105	3	point	point	NOUN
abrj-495	105	4	is	be	AUX
abrj-495	105	5	that	that	SCONJ
abrj-495	105	6	,	,	PUNCT
abrj-495	105	7	although	although	SCONJ
abrj-495	105	8	a	a	DET
abrj-495	105	9	mediation	mediation	NOUN
abrj-495	105	10	model	model	NOUN
abrj-495	105	11	is	be	AUX
abrj-495	105	12	not	not	PART
abrj-495	105	13	explicitly	explicitly	ADV
abrj-495	105	14	tested	test	VERB
abrj-495	105	15	,	,	PUNCT
abrj-495	105	16	the	the	DET
abrj-495	105	17	findings	finding	NOUN
abrj-495	105	18	confirm	confirm	VERB
abrj-495	105	19	that	that	PRON
abrj-495	105	20	ease	ease	NOUN
abrj-495	105	21	of	of	ADP
abrj-495	105	22	access	access	NOUN
abrj-495	105	23	enhances	enhance	VERB
abrj-495	105	24	trust	trust	NOUN
abrj-495	105	25	,	,	PUNCT
abrj-495	105	26	which	which	PRON
abrj-495	105	27	,	,	PUNCT
abrj-495	105	28	in	in	ADP
abrj-495	105	29	turn	turn	NOUN
abrj-495	105	30	,	,	PUNCT
abrj-495	105	31	drives	drive	VERB
abrj-495	105	32	usage	usage	NOUN
abrj-495	105	33	intentions	intention	NOUN
abrj-495	105	34	and	and	CCONJ
abrj-495	105	35	mitigates	mitigate	NOUN
abrj-495	105	36	perceived	perceive	VERB
abrj-495	105	37	risk	risk	NOUN
abrj-495	105	38	.	.	PUNCT
abrj-495	106	1	based	base	VERB
abrj-495	106	2	on	on	ADP
abrj-495	106	3	the	the	DET
abrj-495	106	4	aforementioned	aforementioned	ADJ
abrj-495	106	5	literature	literature	NOUN
abrj-495	106	6	,	,	PUNCT
abrj-495	106	7	seven	seven	NUM
abrj-495	106	8	hypotheses	hypothesis	NOUN
abrj-495	106	9	are	be	AUX
abrj-495	106	10	proposed	propose	VERB
abrj-495	106	11	as	as	SCONJ
abrj-495	106	12	follows	follow	VERB
abrj-495	106	13	:	:	PUNCT
abrj-495	106	14	h1	h1	NOUN
abrj-495	106	15	:	:	PUNCT
abrj-495	106	16	financial	financial	ADJ
abrj-495	106	17	literacy	literacy	NOUN
abrj-495	106	18	affects	affect	VERB
abrj-495	106	19	interest	interest	NOUN
abrj-495	106	20	in	in	ADP
abrj-495	106	21	online	online	ADJ
abrj-495	106	22	loans	loan	NOUN
abrj-495	106	23	;	;	PUNCT
abrj-495	106	24	h2	h2	NOUN
abrj-495	106	25	:	:	PUNCT
abrj-495	106	26	consumer	consumer	NOUN
abrj-495	106	27	awareness	awareness	NOUN
abrj-495	106	28	affects	affect	VERB
abrj-495	106	29	interest	interest	NOUN
abrj-495	106	30	in	in	ADP
abrj-495	106	31	online	online	ADJ
abrj-495	106	32	loans	loan	NOUN
abrj-495	106	33	;	;	PUNCT
abrj-495	106	34	h3	h3	NOUN
abrj-495	106	35	:	:	PUNCT
abrj-495	106	36	ease	ease	NOUN
abrj-495	106	37	of	of	ADP
abrj-495	106	38	access	access	NOUN
abrj-495	106	39	affects	affect	VERB
abrj-495	106	40	interest	interest	NOUN
abrj-495	106	41	in	in	ADP
abrj-495	106	42	online	online	ADJ
abrj-495	106	43	loans	loan	NOUN
abrj-495	106	44	;	;	PUNCT
abrj-495	106	45	h4	h4	NOUN
abrj-495	106	46	:	:	PUNCT
abrj-495	106	47	trust	trust	NOUN
abrj-495	106	48	affects	affect	VERB
abrj-495	106	49	interest	interest	NOUN
abrj-495	106	50	in	in	ADP
abrj-495	106	51	online	online	ADJ
abrj-495	106	52	loans	loan	NOUN
abrj-495	106	53	;	;	PUNCT
abrj-495	106	54	h5	h5	NOUN
abrj-495	106	55	:	:	PUNCT
abrj-495	106	56	financial	financial	ADJ
abrj-495	106	57	literacy	literacy	NOUN
abrj-495	106	58	mediated	mediate	VERB
abrj-495	106	59	by	by	ADP
abrj-495	106	60	trust	trust	NOUN
abrj-495	106	61	affecst	affecst	PROPN
abrj-495	106	62	interest	interest	NOUN
abrj-495	106	63	in	in	ADP
abrj-495	106	64	online	online	ADJ
abrj-495	106	65	loans	loan	NOUN
abrj-495	106	66	;	;	PUNCT
abrj-495	106	67	h6	h6	PROPN
abrj-495	106	68	:	:	PUNCT
abrj-495	106	69	consumer	consumer	NOUN
abrj-495	106	70	awareness	awareness	NOUN
abrj-495	106	71	mediated	mediate	VERB
abrj-495	106	72	by	by	ADP
abrj-495	106	73	trust	trust	NOUN
abrj-495	106	74	affects	affect	VERB
abrj-495	106	75	interest	interest	NOUN
abrj-495	106	76	in	in	ADP
abrj-495	106	77	online	online	ADJ
abrj-495	106	78	loans	loan	NOUN
abrj-495	106	79	;	;	PUNCT
abrj-495	106	80	h7	h7	NOUN
abrj-495	106	81	:	:	PUNCT
abrj-495	106	82	ease	ease	NOUN
abrj-495	106	83	of	of	ADP
abrj-495	106	84	access	access	NOUN
abrj-495	106	85	mediated	mediate	VERB
abrj-495	106	86	by	by	ADP
abrj-495	106	87	trust	trust	NOUN
abrj-495	106	88	affects	affect	VERB
abrj-495	106	89	interest	interest	NOUN
abrj-495	106	90	in	in	ADP
abrj-495	106	91	online	online	ADJ
abrj-495	106	92	loans	loan	NOUN
abrj-495	106	93	.	.	PUNCT
abrj-495	107	1	3	3	X
abrj-495	107	2	.	.	X
abrj-495	107	3	methodology	methodology	NOUN
abrj-495	107	4	3.1	3.1	NUM
abrj-495	107	5	.	.	PUNCT
abrj-495	107	6	data	datum	NOUN
abrj-495	107	7	materials	material	NOUN
abrj-495	107	8	and	and	CCONJ
abrj-495	107	9	analysis	analysis	NOUN
abrj-495	107	10	tools	tool	NOUN
abrj-495	107	11	this	this	DET
abrj-495	107	12	research	research	NOUN
abrj-495	107	13	elaborates	elaborate	VERB
abrj-495	107	14	a	a	DET
abrj-495	107	15	quantitative	quantitative	ADJ
abrj-495	107	16	approach	approach	NOUN
abrj-495	107	17	that	that	PRON
abrj-495	107	18	involves	involve	VERB
abrj-495	107	19	collecting	collect	VERB
abrj-495	107	20	questionnaire	questionnaire	NOUN
abrj-495	107	21	data	datum	NOUN
abrj-495	107	22	through	through	ADP
abrj-495	107	23	an	an	DET
abrj-495	107	24	online	online	ADJ
abrj-495	107	25	survey	survey	NOUN
abrj-495	107	26	of	of	ADP
abrj-495	107	27	135	135	NUM
abrj-495	107	28	respondents	respondent	NOUN
abrj-495	107	29	who	who	PRON
abrj-495	107	30	utilize	utilize	VERB
abrj-495	107	31	online	online	ADJ
abrj-495	107	32	loans	loan	NOUN
abrj-495	107	33	in	in	ADP
abrj-495	107	34	gresik	gresik	PROPN
abrj-495	107	35	regency	regency	PROPN
abrj-495	107	36	.	.	PUNCT
abrj-495	108	1	the	the	DET
abrj-495	108	2	sample	sample	NOUN
abrj-495	108	3	unit	unit	NOUN
abrj-495	108	4	was	be	AUX
abrj-495	108	5	determined	determine	VERB
abrj-495	108	6	using	use	VERB
abrj-495	108	7	purposive	purposive	ADJ
abrj-495	108	8	sampling	sampling	NOUN
abrj-495	108	9	.	.	PUNCT
abrj-495	109	1	data	datum	NOUN
abrj-495	109	2	collection	collection	NOUN
abrj-495	109	3	was	be	AUX
abrj-495	109	4	conducted	conduct	VERB
abrj-495	109	5	by	by	ADP
abrj-495	109	6	distributing	distribute	VERB
abrj-495	109	7	questionnaires	questionnaire	NOUN
abrj-495	109	8	to	to	PART
abrj-495	109	9	assess	assess	VERB
abrj-495	109	10	the	the	DET
abrj-495	109	11	relationships	relationship	NOUN
abrj-495	109	12	among	among	ADP
abrj-495	109	13	financial	financial	ADJ
abrj-495	109	14	literacy	literacy	NOUN
abrj-495	109	15	,	,	PUNCT
abrj-495	109	16	consumer	consumer	NOUN
abrj-495	109	17	awareness	awareness	NOUN
abrj-495	109	18	,	,	PUNCT
abrj-495	109	19	ease	ease	NOUN
abrj-495	109	20	of	of	ADP
abrj-495	109	21	access	access	NOUN
abrj-495	109	22	,	,	PUNCT
abrj-495	109	23	trust	trust	NOUN
abrj-495	109	24	,	,	PUNCT
abrj-495	109	25	and	and	CCONJ
abrj-495	109	26	interest	interest	NOUN
abrj-495	109	27	in	in	ADP
abrj-495	109	28	using	use	VERB
abrj-495	109	29	online	online	ADJ
abrj-495	109	30	loans	loan	NOUN
abrj-495	109	31	.	.	PUNCT
abrj-495	110	1	the	the	DET
abrj-495	110	2	survey	survey	NOUN
abrj-495	110	3	data	data	NOUN
abrj-495	110	4	collection	collection	NOUN
abrj-495	110	5	spanned	span	VERB
abrj-495	110	6	three	three	NUM
abrj-495	110	7	months	month	NOUN
abrj-495	110	8	,	,	PUNCT
abrj-495	110	9	from	from	ADP
abrj-495	110	10	april	april	PROPN
abrj-495	110	11	2025	2025	NUM
abrj-495	110	12	to	to	ADP
abrj-495	110	13	june	june	PROPN
abrj-495	110	14	2025	2025	NUM
abrj-495	110	15	.	.	PUNCT
abrj-495	111	1	in	in	ADP
abrj-495	111	2	the	the	DET
abrj-495	111	3	questionnaire	questionnaire	NOUN
abrj-495	111	4	,	,	PUNCT
abrj-495	111	5	respondents	respondent	NOUN
abrj-495	111	6	'	'	PART
abrj-495	111	7	perceptions	perception	NOUN
abrj-495	111	8	were	be	AUX
abrj-495	111	9	compiled	compile	VERB
abrj-495	111	10	and	and	CCONJ
abrj-495	111	11	recorded	record	VERB
abrj-495	111	12	based	base	VERB
abrj-495	111	13	on	on	ADP
abrj-495	111	14	a	a	DET
abrj-495	111	15	modified	modify	VERB
abrj-495	111	16	four	four	NUM
abrj-495	111	17	-	-	PUNCT
abrj-495	111	18	point	point	NOUN
abrj-495	111	19	likert	likert	ADJ
abrj-495	111	20	scale	scale	NOUN
abrj-495	111	21	derived	derive	VERB
abrj-495	111	22	from	from	ADP
abrj-495	111	23	the	the	DET
abrj-495	111	24	studies	study	NOUN
abrj-495	111	25	of	of	ADP
abrj-495	111	26	ekayani	ekayani	PROPN
abrj-495	111	27	et	et	PROPN
abrj-495	111	28	al	al	PROPN
abrj-495	111	29	.	.	PROPN
abrj-495	112	1	(	(	PUNCT
abrj-495	112	2	2024	2024	NUM
abrj-495	112	3	)	)	PUNCT
abrj-495	112	4	,	,	PUNCT
abrj-495	112	5	wijayanti	wijayanti	X
abrj-495	112	6	(	(	PUNCT
abrj-495	112	7	2020	2020	NUM
abrj-495	112	8	;	;	PUNCT
abrj-495	112	9	2021	2021	NUM
abrj-495	112	10	;	;	PUNCT
abrj-495	112	11	2024	2024	NUM
abrj-495	112	12	)	)	PUNCT
abrj-495	112	13	,	,	PUNCT
abrj-495	112	14	and	and	CCONJ
abrj-495	112	15	za	za	PROPN
abrj-495	112	16	and	and	CCONJ
abrj-495	112	17	tricahyadinata	tricahyadinata	PROPN
abrj-495	112	18	(	(	PUNCT
abrj-495	112	19	2025	2025	NUM
abrj-495	112	20	)	)	PUNCT
abrj-495	112	21	,	,	PUNCT
abrj-495	112	22	which	which	PRON
abrj-495	112	23	includes	include	VERB
abrj-495	112	24	:	:	PUNCT
abrj-495	112	25	(	(	PUNCT
abrj-495	112	26	1	1	X
abrj-495	112	27	)	)	PUNCT
abrj-495	112	28	strongly	strongly	ADV
abrj-495	112	29	disagree	disagree	VERB
abrj-495	112	30	,	,	PUNCT
abrj-495	112	31	(	(	PUNCT
abrj-495	112	32	2	2	X
abrj-495	112	33	)	)	PUNCT
abrj-495	112	34	disagree	disagree	VERB
abrj-495	112	35	,	,	PUNCT
abrj-495	112	36	(	(	PUNCT
abrj-495	112	37	3	3	X
abrj-495	112	38	)	)	PUNCT
abrj-495	112	39	agree	agree	VERB
abrj-495	112	40	,	,	PUNCT
abrj-495	112	41	and	and	CCONJ
abrj-495	112	42	(	(	PUNCT
abrj-495	112	43	4	4	X
abrj-495	112	44	)	)	PUNCT
abrj-495	112	45	strongly	strongly	ADV
abrj-495	112	46	agree	agree	VERB
abrj-495	112	47	.	.	PUNCT
abrj-495	113	1	the	the	DET
abrj-495	113	2	collected	collect	VERB
abrj-495	113	3	data	data	NOUN
abrj-495	113	4	is	be	AUX
abrj-495	113	5	tabulated	tabulate	VERB
abrj-495	113	6	via	via	ADP
abrj-495	113	7	spss	spss	PROPN
abrj-495	113	8	and	and	CCONJ
abrj-495	113	9	analyzed	analyze	VERB
abrj-495	113	10	through	through	ADP
abrj-495	113	11	the	the	DET
abrj-495	113	12	goodman	goodman	PROPN
abrj-495	113	13	test	test	NOUN
abrj-495	113	14	,	,	PUNCT
abrj-495	113	15	which	which	PRON
abrj-495	113	16	includes	include	VERB
abrj-495	113	17	:	:	PUNCT
abrj-495	113	18	(	(	PUNCT
abrj-495	113	19	1	1	X
abrj-495	113	20	)	)	PUNCT
abrj-495	113	21	questionnaire	questionnaire	NOUN
abrj-495	113	22	instrument	instrument	NOUN
abrj-495	113	23	testing	testing	NOUN
abrj-495	113	24	,	,	PUNCT
abrj-495	113	25	(	(	PUNCT
abrj-495	113	26	2	2	X
abrj-495	113	27	)	)	PUNCT
abrj-495	113	28	classical	classical	ADJ
abrj-495	113	29	assumption	assumption	NOUN
abrj-495	113	30	testing	testing	NOUN
abrj-495	113	31	,	,	PUNCT
abrj-495	113	32	(	(	PUNCT
abrj-495	113	33	3	3	X
abrj-495	113	34	)	)	PUNCT
abrj-495	113	35	multiple	multiple	ADJ
abrj-495	113	36	regression	regression	NOUN
abrj-495	113	37	,	,	PUNCT
abrj-495	113	38	and	and	CCONJ
abrj-495	113	39	(	(	PUNCT
abrj-495	113	40	4	4	X
abrj-495	113	41	)	)	PUNCT
abrj-495	113	42	mediation	mediation	NOUN
abrj-495	113	43	analysis	analysis	NOUN
abrj-495	113	44	.	.	PUNCT
abrj-495	114	1	specifically	specifically	ADV
abrj-495	114	2	,	,	PUNCT
abrj-495	114	3	the	the	DET
abrj-495	114	4	literature	literature	PROPN
abrj-495	114	5	review	review	NOUN
abrj-495	114	6	presented	present	VERB
abrj-495	114	7	earlier	early	ADV
abrj-495	114	8	offers	offer	VERB
abrj-495	114	9	a	a	DET
abrj-495	114	10	conceptual	conceptual	ADJ
abrj-495	114	11	foundation	foundation	NOUN
abrj-495	114	12	and	and	CCONJ
abrj-495	114	13	relevant	relevant	ADJ
abrj-495	114	14	premises	premise	NOUN
abrj-495	114	15	to	to	PART
abrj-495	114	16	calibrate	calibrate	VERB
abrj-495	114	17	the	the	DET
abrj-495	114	18	model	model	NOUN
abrj-495	114	19	and	and	CCONJ
abrj-495	114	20	hypotheses	hypothesis	NOUN
abrj-495	114	21	to	to	PART
abrj-495	114	22	be	be	AUX
abrj-495	114	23	tested	test	VERB
abrj-495	114	24	.	.	PUNCT
abrj-495	115	1	the	the	DET
abrj-495	115	2	methodology	methodology	NOUN
abrj-495	115	3	is	be	AUX
abrj-495	115	4	also	also	ADV
abrj-495	115	5	designed	design	VERB
abrj-495	115	6	to	to	PART
abrj-495	115	7	dissect	dissect	VERB
abrj-495	115	8	the	the	DET
abrj-495	115	9	findings	finding	NOUN
abrj-495	115	10	and	and	CCONJ
abrj-495	115	11	describe	describe	VERB
abrj-495	115	12	them	they	PRON
abrj-495	115	13	constructively	constructively	ADV
abrj-495	115	14	.	.	PUNCT
abrj-495	116	1	3.2	3.2	NUM
abrj-495	116	2	.	.	PUNCT
abrj-495	117	1	variables	variable	NOUN
abrj-495	117	2	the	the	DET
abrj-495	117	3	identified	identify	VERB
abrj-495	117	4	variables	variable	NOUN
abrj-495	117	5	and	and	CCONJ
abrj-495	117	6	their	their	PRON
abrj-495	117	7	corresponding	correspond	VERB
abrj-495	117	8	indicators	indicator	NOUN
abrj-495	117	9	have	have	AUX
abrj-495	117	10	been	be	AUX
abrj-495	117	11	tailored	tailor	VERB
abrj-495	117	12	to	to	ADP
abrj-495	117	13	the	the	DET
abrj-495	117	14	case	case	NOUN
abrj-495	117	15	of	of	ADP
abrj-495	117	16	online	online	ADJ
abrj-495	117	17	loan	loan	NOUN
abrj-495	117	18	in	in	ADP
abrj-495	117	19	the	the	DET
abrj-495	117	20	gresik	gresik	NOUN
abrj-495	117	21	regency	regency	PROPN
abrj-495	117	22	of	of	ADP
abrj-495	117	23	indonesia	indonesia	PROPN
abrj-495	117	24	.	.	PUNCT
abrj-495	118	1	each	each	DET
abrj-495	118	2	variable	variable	NOUN
abrj-495	118	3	is	be	AUX
abrj-495	118	4	accompanied	accompany	VERB
abrj-495	118	5	by	by	ADP
abrj-495	118	6	its	its	PRON
abrj-495	118	7	own	own	ADJ
abrj-495	118	8	operational	operational	ADJ
abrj-495	118	9	definition	definition	NOUN
abrj-495	118	10	,	,	PUNCT
abrj-495	118	11	codes	code	NOUN
abrj-495	118	12	,	,	PUNCT
abrj-495	118	13	and	and	CCONJ
abrj-495	118	14	indicators	indicator	NOUN
abrj-495	118	15	(	(	PUNCT
abrj-495	118	16	see	see	VERB
abrj-495	118	17	table	table	NOUN
abrj-495	118	18	1	1	NUM
abrj-495	118	19	)	)	PUNCT
abrj-495	118	20	.	.	PUNCT
abrj-495	119	1	in	in	ADP
abrj-495	119	2	total	total	NOUN
abrj-495	119	3	,	,	PUNCT
abrj-495	119	4	there	there	PRON
abrj-495	119	5	are	be	VERB
abrj-495	119	6	nineteen	nineteen	NUM
abrj-495	119	7	indicators	indicator	NOUN
abrj-495	119	8	across	across	ADP
abrj-495	119	9	all	all	DET
abrj-495	119	10	variables	variable	NOUN
abrj-495	119	11	.	.	PUNCT
abrj-495	120	1	among	among	ADP
abrj-495	120	2	the	the	DET
abrj-495	120	3	five	five	NUM
abrj-495	120	4	variables	variable	NOUN
abrj-495	120	5	,	,	PUNCT
abrj-495	120	6	only	only	ADV
abrj-495	120	7	in	in	ADP
abrj-495	120	8	online	online	ADJ
abrj-495	120	9	loan	loan	NOUN
abrj-495	120	10	has	have	VERB
abrj-495	120	11	three	three	NUM
abrj-495	120	12	indicators	indicator	NOUN
abrj-495	120	13	,	,	PUNCT
abrj-495	120	14	while	while	SCONJ
abrj-495	120	15	of	of	ADP
abrj-495	120	16	access	access	NOUN
abrj-495	120	17	,	,	PUNCT
abrj-495	120	18	and	and	CCONJ
abrj-495	120	19	have	have	VERB
abrj-495	120	20	four	four	NUM
abrj-495	120	21	indicators	indicator	NOUN
abrj-495	120	22	.	.	PUNCT
abrj-495	121	1	in	in	ADP
abrj-495	121	2	the	the	DET
abrj-495	121	3	direct	direct	ADJ
abrj-495	121	4	linkage	linkage	NOUN
abrj-495	121	5	path	path	NOUN
abrj-495	121	6	,	,	PUNCT
abrj-495	121	7	financial	financial	ADJ
abrj-495	121	8	literacy	literacy	NOUN
abrj-495	121	9	,	,	PUNCT
abrj-495	121	10	consumer	consumer	NOUN
abrj-495	121	11	awareness	awareness	NOUN
abrj-495	121	12	,	,	PUNCT
abrj-495	121	13	ease	ease	NOUN
abrj-495	121	14	of	of	ADP
abrj-495	121	15	access	access	NOUN
abrj-495	121	16	,	,	PUNCT
abrj-495	121	17	and	and	CCONJ
abrj-495	121	18	trust	trust	NOUN
abrj-495	121	19	serve	serve	VERB
abrj-495	121	20	as	as	ADP
abrj-495	121	21	independent	independent	ADJ
abrj-495	121	22	variables	variable	NOUN
abrj-495	121	23	,	,	PUNCT
abrj-495	121	24	while	while	SCONJ
abrj-495	121	25	interest	interest	NOUN
abrj-495	121	26	in	in	ADP
abrj-495	121	27	online	online	ADJ
abrj-495	121	28	loans	loan	NOUN
abrj-495	121	29	functions	function	NOUN
abrj-495	121	30	as	as	ADP
abrj-495	121	31	the	the	DET
abrj-495	121	32	dependent	dependent	ADJ
abrj-495	121	33	variable	variable	NOUN
abrj-495	121	34	.	.	PUNCT
abrj-495	122	1	in	in	ADP
abrj-495	122	2	the	the	DET
abrj-495	122	3	indirect	indirect	ADJ
abrj-495	122	4	linkage	linkage	NOUN
abrj-495	122	5	path	path	NOUN
abrj-495	122	6	,	,	PUNCT
abrj-495	122	7	trust	trust	NOUN
abrj-495	122	8	is	be	AUX
abrj-495	122	9	designated	designate	VERB
abrj-495	122	10	as	as	ADP
abrj-495	122	11	the	the	DET
abrj-495	122	12	mediating	mediate	VERB
abrj-495	122	13	variable	variable	NOUN
abrj-495	122	14	.	.	PUNCT
abrj-495	123	1	asian	asian	ADJ
abrj-495	123	2	business	business	PROPN
abrj-495	123	3	research	research	NOUN
abrj-495	123	4	journal	journal	NOUN
abrj-495	123	5	,	,	PUNCT
abrj-495	123	6	2025	2025	NUM
abrj-495	123	7	,	,	PUNCT
abrj-495	123	8	10(7	10(7	NUM
abrj-495	123	9	):	):	PUNCT
abrj-495	123	10	50	50	NUM
abrj-495	123	11	-	-	SYM
abrj-495	123	12	59	59	NUM
abrj-495	123	13	53	53	NUM
abrj-495	123	14	©	©	PROPN
abrj-495	123	15	2025	2025	NUM
abrj-495	123	16	by	by	ADP
abrj-495	123	17	the	the	DET
abrj-495	123	18	authors	author	NOUN
abrj-495	123	19	;	;	PUNCT
abrj-495	123	20	licensee	licensee	NOUN
abrj-495	123	21	eastern	eastern	ADJ
abrj-495	123	22	centre	centre	NOUN
abrj-495	123	23	of	of	ADP
abrj-495	123	24	science	science	NOUN
abrj-495	123	25	and	and	CCONJ
abrj-495	123	26	education	education	NOUN
abrj-495	123	27	,	,	PUNCT
abrj-495	123	28	usa	usa	PROPN
abrj-495	123	29	table	table	NOUN
abrj-495	123	30	1	1	NUM
abrj-495	123	31	.	.	PUNCT
abrj-495	124	1	variables	variable	NOUN
abrj-495	124	2	and	and	CCONJ
abrj-495	124	3	dimensions	dimension	NOUN
abrj-495	124	4	explored	explore	VERB
abrj-495	124	5	.	.	PUNCT
abrj-495	125	1	variables	variable	NOUN
abrj-495	125	2	(	(	PUNCT
abrj-495	125	3	codes	code	NOUN
abrj-495	125	4	)	)	PUNCT
abrj-495	125	5	operational	operational	ADJ
abrj-495	125	6	definition	definition	NOUN
abrj-495	125	7	indicators	indicator	NOUN
abrj-495	125	8	references	reference	VERB
abrj-495	125	9	financial	financial	ADJ
abrj-495	125	10	literacy	literacy	NOUN
abrj-495	125	11	(	(	PUNCT
abrj-495	125	12	fl	fl	NOUN
abrj-495	125	13	)	)	PUNCT
abrj-495	125	14	a	a	DET
abrj-495	125	15	combination	combination	NOUN
abrj-495	125	16	of	of	ADP
abrj-495	125	17	awareness	awareness	NOUN
abrj-495	125	18	,	,	PUNCT
abrj-495	125	19	knowledge	knowledge	NOUN
abrj-495	125	20	,	,	PUNCT
abrj-495	125	21	skills	skill	NOUN
abrj-495	125	22	,	,	PUNCT
abrj-495	125	23	attitudes	attitude	NOUN
abrj-495	125	24	,	,	PUNCT
abrj-495	125	25	and	and	CCONJ
abrj-495	125	26	behaviors	behavior	NOUN
abrj-495	125	27	required	require	VERB
abrj-495	125	28	to	to	PART
abrj-495	125	29	make	make	VERB
abrj-495	125	30	informed	informed	ADJ
abrj-495	125	31	financial	financial	ADJ
abrj-495	125	32	decisions	decision	NOUN
abrj-495	125	33	fl1	fl1	ADV
abrj-495	125	34	.	.	PUNCT
abrj-495	126	1	knowledge	knowledge	NOUN
abrj-495	126	2	of	of	ADP
abrj-495	126	3	basic	basic	ADJ
abrj-495	126	4	financial	financial	ADJ
abrj-495	126	5	concepts	concept	NOUN
abrj-495	126	6	(	(	PUNCT
abrj-495	126	7	such	such	ADJ
abrj-495	126	8	as	as	ADP
abrj-495	126	9	interest	interest	NOUN
abrj-495	126	10	,	,	PUNCT
abrj-495	126	11	inflation	inflation	NOUN
abrj-495	126	12	,	,	PUNCT
abrj-495	126	13	investment	investment	NOUN
abrj-495	126	14	diversification	diversification	NOUN
abrj-495	126	15	)	)	PUNCT
abrj-495	126	16	(	(	PUNCT
abrj-495	126	17	kartini	kartini	NOUN
abrj-495	126	18	et	et	PROPN
abrj-495	126	19	al	al	PROPN
abrj-495	126	20	.	.	PROPN
abrj-495	126	21	,	,	PUNCT
abrj-495	126	22	2020	2020	NUM
abrj-495	126	23	;	;	PUNCT
abrj-495	126	24	muñoz	muñoz	PROPN
abrj-495	126	25	-	-	PUNCT
abrj-495	126	26	céspedes	céspede	NOUN
abrj-495	126	27	et	et	NOUN
abrj-495	126	28	al	al	PROPN
abrj-495	126	29	.	.	PROPN
abrj-495	126	30	,	,	PUNCT
abrj-495	126	31	2021	2021	NUM
abrj-495	126	32	;	;	PUNCT
abrj-495	126	33	pitthan	pitthan	PROPN
abrj-495	126	34	&	&	CCONJ
abrj-495	126	35	de	de	PROPN
abrj-495	126	36	witte	witte	PROPN
abrj-495	126	37	,	,	PUNCT
abrj-495	126	38	2025	2025	NUM
abrj-495	126	39	;	;	PUNCT
abrj-495	126	40	yahaya	yahaya	PROPN
abrj-495	126	41	et	et	PROPN
abrj-495	126	42	al	al	PROPN
abrj-495	126	43	.	.	PROPN
abrj-495	126	44	,	,	PUNCT
abrj-495	127	1	2019	2019	NUM
abrj-495	127	2	)	)	PUNCT
abrj-495	127	3	fl2	fl2	PROPN
abrj-495	127	4	.	.	PUNCT
abrj-495	127	5	financial	financial	ADJ
abrj-495	127	6	management	management	NOUN
abrj-495	127	7	skills	skill	NOUN
abrj-495	127	8	(	(	PUNCT
abrj-495	127	9	budgeting	budgeting	NOUN
abrj-495	127	10	,	,	PUNCT
abrj-495	127	11	saving	saving	NOUN
abrj-495	127	12	,	,	PUNCT
abrj-495	127	13	investing	investing	NOUN
abrj-495	127	14	)	)	PUNCT
abrj-495	127	15	fl3	fl3	NOUN
abrj-495	127	16	.	.	PUNCT
abrj-495	128	1	risk	risk	NOUN
abrj-495	128	2	and	and	CCONJ
abrj-495	128	3	return	return	VERB
abrj-495	128	4	insights	insight	NOUN
abrj-495	128	5	(	(	PUNCT
abrj-495	128	6	relationship	relationship	NOUN
abrj-495	128	7	between	between	ADP
abrj-495	128	8	risk	risk	NOUN
abrj-495	128	9	and	and	CCONJ
abrj-495	128	10	potential	potential	ADJ
abrj-495	128	11	return	return	NOUN
abrj-495	128	12	)	)	PUNCT
abrj-495	128	13	fl4	fl4	NOUN
abrj-495	128	14	.	.	PUNCT
abrj-495	129	1	financial	financial	ADJ
abrj-495	129	2	planning	planning	NOUN
abrj-495	129	3	skills	skill	NOUN
abrj-495	129	4	(	(	PUNCT
abrj-495	129	5	setting	set	VERB
abrj-495	129	6	goals	goal	NOUN
abrj-495	129	7	,	,	PUNCT
abrj-495	129	8	allocating	allocate	VERB
abrj-495	129	9	resources	resource	NOUN
abrj-495	129	10	)	)	PUNCT
abrj-495	129	11	consumer	consumer	NOUN
abrj-495	129	12	awareness	awareness	NOUN
abrj-495	129	13	(	(	PUNCT
abrj-495	129	14	ca	ca	NOUN
abrj-495	129	15	)	)	PUNCT
abrj-495	129	16	consumer	consumer	NOUN
abrj-495	129	17	understanding	understanding	NOUN
abrj-495	129	18	of	of	ADP
abrj-495	129	19	the	the	DET
abrj-495	129	20	existence	existence	NOUN
abrj-495	129	21	,	,	PUNCT
abrj-495	129	22	function	function	NOUN
abrj-495	129	23	,	,	PUNCT
abrj-495	129	24	and	and	CCONJ
abrj-495	129	25	regulation	regulation	NOUN
abrj-495	129	26	and	and	CCONJ
abrj-495	129	27	consumer	consumer	NOUN
abrj-495	129	28	protection	protection	NOUN
abrj-495	129	29	related	relate	VERB
abrj-495	129	30	to	to	ADP
abrj-495	129	31	online	online	ADJ
abrj-495	129	32	loan	loan	NOUN
abrj-495	129	33	services	services	PROPN
abrj-495	129	34	ca1	ca1	PROPN
abrj-495	129	35	.	.	PUNCT
abrj-495	130	1	knowledge	knowledge	NOUN
abrj-495	130	2	of	of	ADP
abrj-495	130	3	the	the	DET
abrj-495	130	4	existence	existence	NOUN
abrj-495	130	5	and	and	CCONJ
abrj-495	130	6	function	function	NOUN
abrj-495	130	7	of	of	ADP
abrj-495	130	8	online	online	ADJ
abrj-495	130	9	loan	loan	NOUN
abrj-495	130	10	platforms	platform	NOUN
abrj-495	130	11	(	(	PUNCT
abrj-495	130	12	firoozzare	firoozzare	VERB
abrj-495	130	13	et	et	PROPN
abrj-495	130	14	al	al	PROPN
abrj-495	130	15	.	.	PROPN
abrj-495	130	16	,	,	PUNCT
abrj-495	130	17	2024	2024	NUM
abrj-495	130	18	;	;	PUNCT
abrj-495	130	19	makanyeza	makanyeza	NOUN
abrj-495	130	20	et	et	PROPN
abrj-495	130	21	al	al	PROPN
abrj-495	130	22	.	.	PROPN
abrj-495	130	23	,	,	PUNCT
abrj-495	130	24	2021	2021	NUM
abrj-495	130	25	)	)	PUNCT
abrj-495	130	26	ca	ca	NOUN
abrj-495	130	27	2	2	NUM
abrj-495	130	28	.	.	PUNCT
abrj-495	131	1	understanding	understanding	NOUN
abrj-495	131	2	of	of	ADP
abrj-495	131	3	applicable	applicable	ADJ
abrj-495	131	4	regulations	regulation	NOUN
abrj-495	131	5	and	and	CCONJ
abrj-495	131	6	consumer	consumer	NOUN
abrj-495	131	7	protection	protection	NOUN
abrj-495	131	8	ca3	ca3	PROPN
abrj-495	131	9	.	.	PUNCT
abrj-495	132	1	knowledge	knowledge	NOUN
abrj-495	132	2	of	of	ADP
abrj-495	132	3	rights	right	NOUN
abrj-495	132	4	and	and	CCONJ
abrj-495	132	5	obligations	obligation	NOUN
abrj-495	132	6	as	as	ADP
abrj-495	132	7	a	a	DET
abrj-495	132	8	user	user	NOUN
abrj-495	132	9	ca4	ca4	PROPN
abrj-495	132	10	.	.	PUNCT
abrj-495	133	1	awareness	awareness	NOUN
abrj-495	133	2	of	of	ADP
abrj-495	133	3	grievance	grievance	NOUN
abrj-495	133	4	and	and	CCONJ
abrj-495	133	5	dispute	dispute	NOUN
abrj-495	133	6	resolution	resolution	NOUN
abrj-495	133	7	mechanisms	mechanism	NOUN
abrj-495	133	8	ease	ease	NOUN
abrj-495	133	9	of	of	ADP
abrj-495	133	10	access	access	NOUN
abrj-495	133	11	(	(	PUNCT
abrj-495	133	12	ea	ea	NOUN
abrj-495	133	13	)	)	PUNCT
abrj-495	133	14	the	the	DET
abrj-495	133	15	extent	extent	NOUN
abrj-495	133	16	to	to	PART
abrj-495	133	17	which	which	PRON
abrj-495	133	18	online	online	ADJ
abrj-495	133	19	loan	loan	NOUN
abrj-495	133	20	platforms	platform	NOUN
abrj-495	133	21	are	be	AUX
abrj-495	133	22	easy	easy	ADJ
abrj-495	133	23	for	for	SCONJ
abrj-495	133	24	consumers	consumer	NOUN
abrj-495	133	25	to	to	PART
abrj-495	133	26	access	access	VERB
abrj-495	133	27	and	and	CCONJ
abrj-495	133	28	use	use	VERB
abrj-495	133	29	ea1	ea1	NOUN
abrj-495	133	30	.	.	PUNCT
abrj-495	134	1	platform	platform	NOUN
abrj-495	134	2	accessibility	accessibility	NOUN
abrj-495	134	3	(	(	PUNCT
abrj-495	134	4	ease	ease	NOUN
abrj-495	134	5	of	of	ADP
abrj-495	134	6	access	access	NOUN
abrj-495	134	7	through	through	ADP
abrj-495	134	8	various	various	ADJ
abrj-495	134	9	devices	device	NOUN
abrj-495	134	10	)	)	PUNCT
abrj-495	134	11	(	(	PUNCT
abrj-495	134	12	asamani	asamani	PROPN
abrj-495	134	13	&	&	CCONJ
abrj-495	134	14	majumdar	majumdar	PROPN
abrj-495	134	15	,	,	PUNCT
abrj-495	134	16	2024	2024	NUM
abrj-495	134	17	;	;	PUNCT
abrj-495	134	18	candra	candra	PROPN
abrj-495	134	19	et	et	PROPN
abrj-495	134	20	al	al	PROPN
abrj-495	134	21	.	.	PROPN
abrj-495	134	22	,	,	PUNCT
abrj-495	134	23	2020	2020	NUM
abrj-495	134	24	;	;	PUNCT
abrj-495	134	25	prihatini	prihatini	NOUN
abrj-495	134	26	,	,	PUNCT
abrj-495	134	27	2023	2023	NUM
abrj-495	134	28	;	;	PUNCT
abrj-495	134	29	sharma	sharma	PROPN
abrj-495	134	30	et	et	PROPN
abrj-495	134	31	al	al	PROPN
abrj-495	134	32	.	.	PROPN
abrj-495	134	33	,	,	PUNCT
abrj-495	134	34	2024	2024	NUM
abrj-495	134	35	)	)	PUNCT
abrj-495	134	36	ea2	ea2	VERB
abrj-495	134	37	.	.	PUNCT
abrj-495	135	1	speed	speed	NOUN
abrj-495	135	2	of	of	ADP
abrj-495	135	3	application	application	NOUN
abrj-495	135	4	and	and	CCONJ
abrj-495	135	5	loan	loan	NOUN
abrj-495	135	6	disbursement	disbursement	NOUN
abrj-495	135	7	process	process	NOUN
abrj-495	135	8	ea3	ea3	NOUN
abrj-495	135	9	.	.	PUNCT
abrj-495	136	1	simple	simple	ADJ
abrj-495	136	2	and	and	CCONJ
abrj-495	136	3	straight	straight	ADV
abrj-495	136	4	forward	forward	ADJ
abrj-495	136	5	requirements	requirement	NOUN
abrj-495	136	6	ea4	ea4	NOUN
abrj-495	136	7	.	.	PUNCT
abrj-495	136	8	time	time	NOUN
abrj-495	136	9	and	and	CCONJ
abrj-495	136	10	place	place	VERB
abrj-495	136	11	flexibility	flexibility	NOUN
abrj-495	136	12	in	in	ADP
abrj-495	136	13	using	use	VERB
abrj-495	136	14	the	the	DET
abrj-495	136	15	service	service	NOUN
abrj-495	136	16	trust	trust	NOUN
abrj-495	136	17	(	(	PUNCT
abrj-495	136	18	trt	trt	NOUN
abrj-495	136	19	)	)	PUNCT
abrj-495	136	20	consumer	consumer	NOUN
abrj-495	136	21	confidence	confidence	NOUN
abrj-495	136	22	in	in	ADP
abrj-495	136	23	the	the	DET
abrj-495	136	24	integrity	integrity	NOUN
abrj-495	136	25	,	,	PUNCT
abrj-495	136	26	reliability	reliability	NOUN
abrj-495	136	27	and	and	CCONJ
abrj-495	136	28	competence	competence	NOUN
abrj-495	136	29	of	of	ADP
abrj-495	136	30	online	online	ADJ
abrj-495	136	31	loan	loan	NOUN
abrj-495	136	32	platforms	platform	NOUN
abrj-495	136	33	trt	trt	NOUN
abrj-495	136	34	1	1	X
abrj-495	136	35	.	.	NOUN
abrj-495	136	36	reputation	reputation	NOUN
abrj-495	136	37	and	and	CCONJ
abrj-495	136	38	credibility	credibility	NOUN
abrj-495	136	39	of	of	ADP
abrj-495	136	40	the	the	DET
abrj-495	136	41	platform	platform	NOUN
abrj-495	136	42	(	(	PUNCT
abrj-495	136	43	choudhuri	choudhuri	PROPN
abrj-495	136	44	et	et	PROPN
abrj-495	136	45	al	al	PROPN
abrj-495	136	46	.	.	PROPN
abrj-495	136	47	,	,	PUNCT
abrj-495	136	48	2024	2024	NUM
abrj-495	136	49	;	;	PUNCT
abrj-495	136	50	pertiwi	pertiwi	PROPN
abrj-495	136	51	et	et	PROPN
abrj-495	136	52	al	al	PROPN
abrj-495	136	53	.	.	PROPN
abrj-495	136	54	,	,	PUNCT
abrj-495	136	55	2025	2025	NUM
abrj-495	136	56	;	;	PUNCT
abrj-495	136	57	zhao	zhao	PROPN
abrj-495	136	58	et	et	PROPN
abrj-495	136	59	al	al	PROPN
abrj-495	136	60	.	.	PROPN
abrj-495	136	61	,	,	PUNCT
abrj-495	136	62	2024	2024	NUM
abrj-495	136	63	)	)	PUNCT
abrj-495	136	64	trt	trt	NOUN
abrj-495	137	1	2	2	X
abrj-495	137	2	.	.	X
abrj-495	137	3	security	security	NOUN
abrj-495	137	4	of	of	ADP
abrj-495	137	5	consumer	consumer	NOUN
abrj-495	137	6	data	datum	NOUN
abrj-495	137	7	and	and	CCONJ
abrj-495	137	8	personal	personal	ADJ
abrj-495	137	9	information	information	NOUN
abrj-495	137	10	trt	trt	NOUN
abrj-495	137	11	3	3	X
abrj-495	137	12	.	.	PUNCT
abrj-495	138	1	transparency	transparency	NOUN
abrj-495	138	2	of	of	ADP
abrj-495	138	3	information	information	NOUN
abrj-495	138	4	related	relate	VERB
abrj-495	138	5	to	to	ADP
abrj-495	138	6	features	feature	NOUN
abrj-495	138	7	,	,	PUNCT
abrj-495	138	8	costs	cost	NOUN
abrj-495	138	9	,	,	PUNCT
abrj-495	138	10	and	and	CCONJ
abrj-495	138	11	risks	risk	NOUN
abrj-495	138	12	trt	trt	NOUN
abrj-495	138	13	4	4	NUM
abrj-495	138	14	.	.	PUNCT
abrj-495	138	15	service	service	NOUN
abrj-495	138	16	quality	quality	NOUN
abrj-495	138	17	that	that	PRON
abrj-495	138	18	satisfies	satisfy	VERB
abrj-495	138	19	consumers	consumer	NOUN
abrj-495	138	20	interest	interest	NOUN
abrj-495	138	21	in	in	ADP
abrj-495	138	22	online	online	ADJ
abrj-495	138	23	loans	loan	NOUN
abrj-495	138	24	(	(	PUNCT
abrj-495	138	25	iol	iol	PROPN
abrj-495	138	26	)	)	PUNCT
abrj-495	138	27	the	the	DET
abrj-495	138	28	tendency	tendency	NOUN
abrj-495	138	29	or	or	CCONJ
abrj-495	138	30	intention	intention	NOUN
abrj-495	138	31	of	of	ADP
abrj-495	138	32	consumers	consumer	NOUN
abrj-495	138	33	to	to	PART
abrj-495	138	34	use	use	VERB
abrj-495	138	35	online	online	ADJ
abrj-495	138	36	loan	loan	NOUN
abrj-495	138	37	services	service	NOUN
abrj-495	138	38	iol1	iol1	PROPN
abrj-495	138	39	.	.	PUNCT
abrj-495	139	1	desire	desire	NOUN
abrj-495	139	2	to	to	PART
abrj-495	139	3	try	try	VERB
abrj-495	139	4	using	use	VERB
abrj-495	139	5	online	online	ADJ
abrj-495	139	6	loans	loan	NOUN
abrj-495	139	7	(	(	PUNCT
abrj-495	139	8	riyanto	riyanto	NOUN
abrj-495	139	9	et	et	PROPN
abrj-495	139	10	al	al	PROPN
abrj-495	139	11	.	.	PROPN
abrj-495	139	12	,	,	PUNCT
abrj-495	139	13	2025	2025	NUM
abrj-495	139	14	;	;	PUNCT
abrj-495	139	15	wang	wang	PROPN
abrj-495	139	16	et	et	PROPN
abrj-495	139	17	al	al	PROPN
abrj-495	139	18	.	.	PROPN
abrj-495	139	19	,	,	PUNCT
abrj-495	139	20	2015	2015	NUM
abrj-495	139	21	)	)	PUNCT
abrj-495	139	22	iol2	iol2	PROPN
abrj-495	139	23	.	.	PUNCT
abrj-495	140	1	possibility	possibility	NOUN
abrj-495	140	2	of	of	ADP
abrj-495	140	3	using	use	VERB
abrj-495	140	4	online	online	ADJ
abrj-495	140	5	loans	loan	NOUN
abrj-495	140	6	in	in	ADP
abrj-495	140	7	the	the	DET
abrj-495	140	8	future	future	ADJ
abrj-495	140	9	iol3	iol3	NOUN
abrj-495	140	10	.	.	PUNCT
abrj-495	141	1	preference	preference	NOUN
abrj-495	141	2	for	for	ADP
abrj-495	141	3	online	online	ADJ
abrj-495	141	4	loans	loan	NOUN
abrj-495	141	5	4	4	NUM
abrj-495	141	6	.	.	PUNCT
abrj-495	141	7	results	result	VERB
abrj-495	141	8	4.1	4.1	NUM
abrj-495	141	9	.	.	PUNCT
abrj-495	142	1	respondent	respondent	NOUN
abrj-495	142	2	profile	profile	NOUN
abrj-495	142	3	table	table	NOUN
abrj-495	142	4	2	2	NUM
abrj-495	142	5	presents	present	VERB
abrj-495	142	6	the	the	DET
abrj-495	142	7	characteristics	characteristic	NOUN
abrj-495	142	8	of	of	ADP
abrj-495	142	9	respondents	respondent	NOUN
abrj-495	142	10	based	base	VERB
abrj-495	142	11	on	on	ADP
abrj-495	142	12	the	the	DET
abrj-495	142	13	following	follow	VERB
abrj-495	142	14	criteria	criterion	NOUN
abrj-495	142	15	:	:	PUNCT
abrj-495	142	16	(	(	PUNCT
abrj-495	142	17	1	1	X
abrj-495	142	18	)	)	PUNCT
abrj-495	142	19	gender	gender	NOUN
abrj-495	142	20	,	,	PUNCT
abrj-495	142	21	(	(	PUNCT
abrj-495	142	22	2	2	NUM
abrj-495	142	23	)	)	PUNCT
abrj-495	142	24	age	age	NOUN
abrj-495	142	25	,	,	PUNCT
abrj-495	142	26	(	(	PUNCT
abrj-495	142	27	3	3	X
abrj-495	142	28	)	)	PUNCT
abrj-495	142	29	educational	educational	ADJ
abrj-495	142	30	attainment	attainment	NOUN
abrj-495	142	31	,	,	PUNCT
abrj-495	142	32	and	and	CCONJ
abrj-495	142	33	(	(	PUNCT
abrj-495	142	34	4	4	X
abrj-495	142	35	)	)	PUNCT
abrj-495	142	36	monthly	monthly	ADJ
abrj-495	142	37	income	income	NOUN
abrj-495	142	38	.	.	PUNCT
abrj-495	143	1	among	among	ADP
abrj-495	143	2	the	the	DET
abrj-495	143	3	135	135	NUM
abrj-495	143	4	respondents	respondent	NOUN
abrj-495	143	5	surveyed	survey	VERB
abrj-495	143	6	,	,	PUNCT
abrj-495	143	7	54	54	NUM
abrj-495	143	8	%	%	NOUN
abrj-495	143	9	identified	identify	VERB
abrj-495	143	10	as	as	ADP
abrj-495	143	11	male	male	NOUN
abrj-495	143	12	and	and	CCONJ
abrj-495	143	13	46	46	NUM
abrj-495	143	14	%	%	NOUN
abrj-495	143	15	as	as	ADP
abrj-495	143	16	female	female	NOUN
abrj-495	143	17	.	.	PUNCT
abrj-495	144	1	the	the	DET
abrj-495	144	2	age	age	NOUN
abrj-495	144	3	distribution	distribution	NOUN
abrj-495	144	4	shows	show	VERB
abrj-495	144	5	that	that	SCONJ
abrj-495	144	6	22	22	NUM
abrj-495	144	7	%	%	NOUN
abrj-495	144	8	of	of	ADP
abrj-495	144	9	respondents	respondent	NOUN
abrj-495	144	10	are	be	AUX
abrj-495	144	11	under	under	ADP
abrj-495	144	12	25	25	NUM
abrj-495	144	13	years	year	NOUN
abrj-495	144	14	old	old	ADJ
abrj-495	144	15	,	,	PUNCT
abrj-495	144	16	48	48	NUM
abrj-495	144	17	%	%	NOUN
abrj-495	144	18	fall	fall	NOUN
abrj-495	144	19	within	within	ADP
abrj-495	144	20	the	the	DET
abrj-495	144	21	25	25	NUM
abrj-495	144	22	–	–	SYM
abrj-495	144	23	35	35	NUM
abrj-495	144	24	age	age	NOUN
abrj-495	144	25	range	range	NOUN
abrj-495	144	26	,	,	PUNCT
abrj-495	144	27	and	and	CCONJ
abrj-495	144	28	30	30	NUM
abrj-495	144	29	%	%	NOUN
abrj-495	144	30	are	be	AUX
abrj-495	144	31	over	over	ADP
abrj-495	144	32	35	35	NUM
abrj-495	144	33	years	year	NOUN
abrj-495	144	34	old	old	ADJ
abrj-495	144	35	,	,	PUNCT
abrj-495	144	36	highlighting	highlight	VERB
abrj-495	144	37	a	a	DET
abrj-495	144	38	predominance	predominance	NOUN
abrj-495	144	39	of	of	ADP
abrj-495	144	40	young	young	ADJ
abrj-495	144	41	to	to	PART
abrj-495	144	42	mature	mature	VERB
abrj-495	144	43	individuals	individual	NOUN
abrj-495	144	44	.	.	PUNCT
abrj-495	145	1	regarding	regard	VERB
abrj-495	145	2	educational	educational	ADJ
abrj-495	145	3	attainment	attainment	NOUN
abrj-495	145	4	,	,	PUNCT
abrj-495	145	5	15	15	NUM
abrj-495	145	6	%	%	NOUN
abrj-495	145	7	of	of	ADP
abrj-495	145	8	respondents	respondent	NOUN
abrj-495	145	9	have	have	VERB
abrj-495	145	10	a	a	DET
abrj-495	145	11	sma	sma	NOUN
abrj-495	145	12	,	,	PUNCT
abrj-495	145	13	22	22	NUM
abrj-495	145	14	%	%	NOUN
abrj-495	145	15	hold	hold	VERB
abrj-495	145	16	a	a	DET
abrj-495	145	17	diploma	diploma	NOUN
abrj-495	145	18	,	,	PUNCT
abrj-495	145	19	48	48	NUM
abrj-495	145	20	%	%	NOUN
abrj-495	145	21	are	be	AUX
abrj-495	145	22	undergraduates	undergraduate	NOUN
abrj-495	145	23	,	,	PUNCT
abrj-495	145	24	and	and	CCONJ
abrj-495	145	25	another	another	DET
abrj-495	145	26	15	15	NUM
abrj-495	145	27	%	%	NOUN
abrj-495	145	28	have	have	AUX
abrj-495	145	29	completed	complete	VERB
abrj-495	145	30	postgraduate	postgraduate	ADJ
abrj-495	145	31	education	education	NOUN
abrj-495	145	32	.	.	PUNCT
abrj-495	146	1	in	in	ADP
abrj-495	146	2	terms	term	NOUN
abrj-495	146	3	of	of	ADP
abrj-495	146	4	income	income	NOUN
abrj-495	146	5	,	,	PUNCT
abrj-495	146	6	30	30	NUM
abrj-495	146	7	%	%	NOUN
abrj-495	146	8	of	of	ADP
abrj-495	146	9	respondents	respondent	NOUN
abrj-495	146	10	report	report	VERB
abrj-495	146	11	an	an	DET
abrj-495	146	12	average	average	ADJ
abrj-495	146	13	monthly	monthly	ADJ
abrj-495	146	14	income	income	NOUN
abrj-495	146	15	of	of	ADP
abrj-495	146	16	less	less	ADJ
abrj-495	146	17	than	than	ADP
abrj-495	146	18	rp	rp	NOUN
abrj-495	146	19	5	5	NUM
abrj-495	146	20	million	million	NUM
abrj-495	146	21	,	,	PUNCT
abrj-495	146	22	42	42	NUM
abrj-495	146	23	%	%	NOUN
abrj-495	146	24	have	have	VERB
abrj-495	146	25	an	an	DET
abrj-495	146	26	average	average	ADJ
abrj-495	146	27	income	income	NOUN
abrj-495	146	28	in	in	ADP
abrj-495	146	29	the	the	DET
abrj-495	146	30	range	range	NOUN
abrj-495	146	31	of	of	ADP
abrj-495	146	32	rp	rp	NOUN
abrj-495	146	33	5–10	5–10	PROPN
abrj-495	146	34	million	million	NUM
abrj-495	146	35	,	,	PUNCT
abrj-495	146	36	and	and	CCONJ
abrj-495	146	37	28	28	NUM
abrj-495	146	38	%	%	NOUN
abrj-495	146	39	earn	earn	VERB
abrj-495	146	40	more	more	ADJ
abrj-495	146	41	than	than	ADP
abrj-495	146	42	rp	rp	NOUN
abrj-495	146	43	10	10	NUM
abrj-495	146	44	million	million	NUM
abrj-495	146	45	per	per	ADP
abrj-495	146	46	month	month	NOUN
abrj-495	146	47	.	.	PUNCT
abrj-495	147	1	table	table	NOUN
abrj-495	147	2	2	2	NUM
abrj-495	147	3	.	.	X
abrj-495	147	4	respondent	respondent	NOUN
abrj-495	147	5	characteristics	characteristic	NOUN
abrj-495	147	6	.	.	PUNCT
abrj-495	148	1	characteristics	characteristic	NOUN
abrj-495	148	2	frequency	frequency	NOUN
abrj-495	148	3	percentage	percentage	NOUN
abrj-495	148	4	gender	gender	NOUN
abrj-495	148	5	100	100	NUM
abrj-495	148	6	100	100	NUM
abrj-495	148	7	%	%	NOUN
abrj-495	148	8	male	male	NOUN
abrj-495	148	9	73	73	NUM
abrj-495	148	10	54	54	NUM
abrj-495	148	11	%	%	NOUN
abrj-495	148	12	female	female	NOUN
abrj-495	148	13	62	62	NUM
abrj-495	148	14	46	46	NUM
abrj-495	148	15	%	%	NOUN
abrj-495	148	16	age	age	NOUN
abrj-495	148	17	100	100	NUM
abrj-495	148	18	100	100	NUM
abrj-495	148	19	%	%	NOUN
abrj-495	148	20	<	<	X
abrj-495	148	21	25	25	NUM
abrj-495	148	22	years	year	NOUN
abrj-495	148	23	30	30	NUM
abrj-495	148	24	22	22	NUM
abrj-495	148	25	%	%	NOUN
abrj-495	148	26	25–35	25–35	NUM
abrj-495	148	27	years	year	NOUN
abrj-495	148	28	65	65	NUM
abrj-495	148	29	48	48	NUM
abrj-495	148	30	%	%	NOUN
abrj-495	148	31	>	>	SYM
abrj-495	148	32	35	35	NUM
abrj-495	148	33	years	year	NOUN
abrj-495	148	34	40	40	NUM
abrj-495	148	35	30	30	NUM
abrj-495	148	36	%	%	NOUN
abrj-495	148	37	educational	educational	ADJ
abrj-495	148	38	attainment	attainment	NOUN
abrj-495	148	39	100	100	NUM
abrj-495	148	40	100	100	NUM
abrj-495	148	41	%	%	NOUN
abrj-495	148	42	high	high	ADJ
abrj-495	148	43	school	school	NOUN
abrj-495	148	44	(	(	PUNCT
abrj-495	148	45	sma	sma	PROPN
abrj-495	148	46	)	)	PUNCT
abrj-495	148	47	20	20	NUM
abrj-495	148	48	15	15	NUM
abrj-495	148	49	%	%	NOUN
abrj-495	148	50	diploma	diploma	NOUN
abrj-495	148	51	30	30	NUM
abrj-495	148	52	22	22	NUM
abrj-495	148	53	%	%	NOUN
abrj-495	148	54	undergraduate	undergraduate	NOUN
abrj-495	148	55	65	65	NUM
abrj-495	148	56	48	48	NUM
abrj-495	148	57	%	%	NOUN
abrj-495	148	58	postgraduate	postgraduate	NOUN
abrj-495	148	59	20	20	NUM
abrj-495	148	60	15	15	NUM
abrj-495	148	61	%	%	NOUN
abrj-495	148	62	income	income	NOUN
abrj-495	148	63	100	100	NUM
abrj-495	148	64	100	100	NUM
abrj-495	148	65	%	%	NOUN
abrj-495	148	66	<	<	X
abrj-495	148	67	rp	rp	NOUN
abrj-495	148	68	5	5	NUM
abrj-495	148	69	million	million	NUM
abrj-495	148	70	40	40	NUM
abrj-495	148	71	30	30	NUM
abrj-495	148	72	%	%	NOUN
abrj-495	148	73	rp	rp	NOUN
abrj-495	148	74	5–10	5–10	PROPN
abrj-495	148	75	million	million	NUM
abrj-495	148	76	57	57	NUM
abrj-495	148	77	42	42	NUM
abrj-495	148	78	%	%	NOUN
abrj-495	148	79	>	>	X
abrj-495	148	80	rp	rp	NOUN
abrj-495	148	81	10	10	NUM
abrj-495	148	82	million	million	NUM
abrj-495	148	83	38	38	NUM
abrj-495	148	84	28	28	NUM
abrj-495	148	85	%	%	NOUN
abrj-495	148	86	4.2	4.2	NUM
abrj-495	148	87	.	.	PUNCT
abrj-495	149	1	questionnaire	questionnaire	NOUN
abrj-495	149	2	instrument	instrument	NOUN
abrj-495	149	3	test	test	NOUN
abrj-495	149	4	the	the	DET
abrj-495	149	5	instrument	instrument	NOUN
abrj-495	149	6	test	test	NOUN
abrj-495	149	7	was	be	AUX
abrj-495	149	8	conducted	conduct	VERB
abrj-495	149	9	to	to	PART
abrj-495	149	10	assess	assess	VERB
abrj-495	149	11	the	the	DET
abrj-495	149	12	feasibility	feasibility	NOUN
abrj-495	149	13	of	of	ADP
abrj-495	149	14	the	the	DET
abrj-495	149	15	questionnaire	questionnaire	NOUN
abrj-495	149	16	.	.	PUNCT
abrj-495	150	1	two	two	NUM
abrj-495	150	2	tools	tool	NOUN
abrj-495	150	3	support	support	VERB
abrj-495	150	4	this	this	DET
abrj-495	150	5	instrument	instrument	NOUN
abrj-495	150	6	test	test	NOUN
abrj-495	150	7	.	.	PUNCT
abrj-495	151	1	first	first	ADV
abrj-495	151	2	,	,	PUNCT
abrj-495	151	3	a	a	DET
abrj-495	151	4	validity	validity	NOUN
abrj-495	151	5	test	test	NOUN
abrj-495	151	6	is	be	AUX
abrj-495	151	7	used	use	VERB
abrj-495	151	8	to	to	PART
abrj-495	151	9	calculate	calculate	VERB
abrj-495	151	10	the	the	DET
abrj-495	151	11	extent	extent	NOUN
abrj-495	151	12	to	to	PART
abrj-495	151	13	which	which	PRON
abrj-495	151	14	the	the	DET
abrj-495	151	15	parameters	parameter	NOUN
abrj-495	151	16	accurately	accurately	ADV
abrj-495	151	17	measure	measure	VERB
abrj-495	151	18	the	the	DET
abrj-495	151	19	intended	intend	VERB
abrj-495	151	20	constructs	construct	NOUN
abrj-495	151	21	.	.	PUNCT
abrj-495	152	1	second	second	ADV
abrj-495	152	2	,	,	PUNCT
abrj-495	152	3	a	a	DET
abrj-495	152	4	reliability	reliability	NOUN
abrj-495	152	5	test	test	NOUN
abrj-495	152	6	assesses	assess	VERB
abrj-495	152	7	the	the	DET
abrj-495	152	8	consistency	consistency	NOUN
abrj-495	152	9	of	of	ADP
abrj-495	152	10	the	the	DET
abrj-495	152	11	measuring	measure	VERB
abrj-495	152	12	instrument	instrument	NOUN
abrj-495	152	13	in	in	ADP
abrj-495	152	14	producing	produce	VERB
abrj-495	152	15	data	datum	NOUN
abrj-495	152	16	.	.	PUNCT
abrj-495	153	1	asian	asian	ADJ
abrj-495	153	2	business	business	PROPN
abrj-495	153	3	research	research	NOUN
abrj-495	153	4	journal	journal	NOUN
abrj-495	153	5	,	,	PUNCT
abrj-495	153	6	2025	2025	NUM
abrj-495	153	7	,	,	PUNCT
abrj-495	153	8	10(7	10(7	NUM
abrj-495	153	9	):	):	PUNCT
abrj-495	153	10	50	50	NUM
abrj-495	153	11	-	-	SYM
abrj-495	153	12	59	59	NUM
abrj-495	153	13	54	54	NUM
abrj-495	153	14	©	©	PROPN
abrj-495	153	15	2025	2025	NUM
abrj-495	153	16	by	by	ADP
abrj-495	153	17	the	the	DET
abrj-495	153	18	authors	author	NOUN
abrj-495	153	19	;	;	PUNCT
abrj-495	153	20	licensee	licensee	NOUN
abrj-495	153	21	eastern	eastern	ADJ
abrj-495	153	22	centre	centre	NOUN
abrj-495	153	23	of	of	ADP
abrj-495	153	24	science	science	NOUN
abrj-495	153	25	and	and	CCONJ
abrj-495	153	26	education	education	NOUN
abrj-495	153	27	,	,	PUNCT
abrj-495	153	28	usa	usa	PROPN
abrj-495	153	29	table	table	NOUN
abrj-495	153	30	3	3	NUM
abrj-495	153	31	.	.	PUNCT
abrj-495	154	1	summary	summary	NOUN
abrj-495	154	2	of	of	ADP
abrj-495	154	3	validity	validity	NOUN
abrj-495	154	4	and	and	CCONJ
abrj-495	154	5	reliability	reliability	NOUN
abrj-495	154	6	tests	test	NOUN
abrj-495	154	7	.	.	PUNCT
abrj-495	155	1	variables	variable	NOUN
abrj-495	155	2	item	item	NOUN
abrj-495	155	3	factor	factor	NOUN
abrj-495	155	4	loading	loading	NOUN
abrj-495	155	5	cronbach	cronbach	NOUN
abrj-495	155	6	's	's	PART
abrj-495	155	7	alpha	alpha	ADJ
abrj-495	155	8	financial	financial	ADJ
abrj-495	155	9	literacy	literacy	NOUN
abrj-495	155	10	4	4	NUM
abrj-495	155	11	items	item	NOUN
abrj-495	155	12	0.718–0.852	0.718–0.852	NOUN
abrj-495	155	13	0.846	0.846	NUM
abrj-495	155	14	consumer	consumer	NOUN
abrj-495	155	15	awareness	awareness	NOUN
abrj-495	155	16	4	4	NUM
abrj-495	155	17	items	item	NOUN
abrj-495	155	18	0.683–0.815	0.683–0.815	NOUN
abrj-495	155	19	0.811	0.811	NUM
abrj-495	155	20	ease	ease	NOUN
abrj-495	155	21	of	of	ADP
abrj-495	155	22	access	access	NOUN
abrj-495	155	23	4	4	NUM
abrj-495	155	24	items	item	NOUN
abrj-495	155	25	0.732–0.879	0.732–0.879	VERB
abrj-495	155	26	0.862	0.862	NUM
abrj-495	155	27	trust	trust	NOUN
abrj-495	155	28	4	4	NUM
abrj-495	155	29	items	item	NOUN
abrj-495	155	30	0.739–0.841	0.739–0.841	NUM
abrj-495	155	31	0.834	0.834	NUM
abrj-495	155	32	interest	interest	NOUN
abrj-495	155	33	in	in	ADP
abrj-495	155	34	online	online	ADJ
abrj-495	155	35	loans	loan	NOUN
abrj-495	155	36	3	3	NUM
abrj-495	155	37	items	item	NOUN
abrj-495	155	38	0.776–0,902	0.776–0,902	NUM
abrj-495	155	39	0.871	0.871	NUM
abrj-495	155	40	from	from	ADP
abrj-495	155	41	table	table	NOUN
abrj-495	155	42	3	3	NUM
abrj-495	155	43	,	,	PUNCT
abrj-495	155	44	it	it	PRON
abrj-495	155	45	is	be	AUX
abrj-495	155	46	evident	evident	ADJ
abrj-495	155	47	that	that	SCONJ
abrj-495	155	48	all	all	DET
abrj-495	155	49	statement	statement	NOUN
abrj-495	155	50	items	item	NOUN
abrj-495	155	51	for	for	ADP
abrj-495	155	52	each	each	DET
abrj-495	155	53	variable	variable	ADJ
abrj-495	155	54	exhibit	exhibit	NOUN
abrj-495	155	55	factor	factor	NOUN
abrj-495	155	56	loadings	loading	NOUN
abrj-495	155	57	ranging	range	VERB
abrj-495	155	58	from	from	ADP
abrj-495	155	59	0.683–0.902	0.683–0.902	PROPN
abrj-495	155	60	.	.	PUNCT
abrj-495	156	1	factor	factor	NOUN
abrj-495	156	2	loading	loading	NOUN
abrj-495	156	3	scores	score	NOUN
abrj-495	156	4	exceeding	exceed	VERB
abrj-495	156	5	0.5	0.5	NUM
abrj-495	156	6	indicate	indicate	VERB
abrj-495	156	7	that	that	SCONJ
abrj-495	156	8	all	all	DET
abrj-495	156	9	items	item	NOUN
abrj-495	156	10	are	be	AUX
abrj-495	156	11	classified	classify	VERB
abrj-495	156	12	as	as	ADP
abrj-495	156	13	valid	valid	ADJ
abrj-495	156	14	in	in	ADP
abrj-495	156	15	forming	form	VERB
abrj-495	156	16	constructs	construct	NOUN
abrj-495	156	17	.	.	PUNCT
abrj-495	157	1	besides	besides	SCONJ
abrj-495	157	2	,	,	PUNCT
abrj-495	157	3	the	the	DET
abrj-495	157	4	reliability	reliability	NOUN
abrj-495	157	5	test	test	NOUN
abrj-495	157	6	reveals	reveal	VERB
abrj-495	157	7	that	that	SCONJ
abrj-495	157	8	all	all	DET
abrj-495	157	9	variables	variable	NOUN
abrj-495	157	10	have	have	AUX
abrj-495	157	11	cronbach	cronbach	VERB
abrj-495	157	12	's	's	PART
abrj-495	157	13	alpha	alpha	NOUN
abrj-495	157	14	above	above	ADP
abrj-495	157	15	0.7	0.7	NUM
abrj-495	157	16	.	.	PUNCT
abrj-495	158	1	this	this	DET
abrj-495	158	2	score	score	NOUN
abrj-495	158	3	suggests	suggest	VERB
abrj-495	158	4	that	that	SCONJ
abrj-495	158	5	the	the	DET
abrj-495	158	6	research	research	NOUN
abrj-495	158	7	instrument	instrument	NOUN
abrj-495	158	8	demonstrates	demonstrate	VERB
abrj-495	158	9	consistent	consistent	ADJ
abrj-495	158	10	reliability	reliability	NOUN
abrj-495	158	11	in	in	ADP
abrj-495	158	12	measuring	measure	VERB
abrj-495	158	13	the	the	DET
abrj-495	158	14	constructs	construct	NOUN
abrj-495	158	15	.	.	PUNCT
abrj-495	159	1	the	the	DET
abrj-495	159	2	results	result	NOUN
abrj-495	159	3	of	of	ADP
abrj-495	159	4	both	both	CCONJ
abrj-495	159	5	the	the	DET
abrj-495	159	6	validity	validity	NOUN
abrj-495	159	7	and	and	CCONJ
abrj-495	159	8	reliability	reliability	NOUN
abrj-495	159	9	tests	test	NOUN
abrj-495	159	10	provide	provide	VERB
abrj-495	159	11	robust	robust	ADJ
abrj-495	159	12	statistical	statistical	ADJ
abrj-495	159	13	support	support	NOUN
abrj-495	159	14	for	for	ADP
abrj-495	159	15	the	the	DET
abrj-495	159	16	quality	quality	NOUN
abrj-495	159	17	of	of	ADP
abrj-495	159	18	the	the	DET
abrj-495	159	19	developed	develop	VERB
abrj-495	159	20	instrument	instrument	NOUN
abrj-495	159	21	.	.	PUNCT
abrj-495	160	1	it	it	PRON
abrj-495	160	2	can	can	AUX
abrj-495	160	3	be	be	AUX
abrj-495	160	4	concluded	conclude	VERB
abrj-495	160	5	that	that	SCONJ
abrj-495	160	6	the	the	DET
abrj-495	160	7	questionnaire	questionnaire	NOUN
abrj-495	160	8	is	be	AUX
abrj-495	160	9	valid	valid	ADJ
abrj-495	160	10	and	and	CCONJ
abrj-495	160	11	reliable	reliable	ADJ
abrj-495	160	12	for	for	ADP
abrj-495	160	13	measuring	measure	VERB
abrj-495	160	14	financial	financial	ADJ
abrj-495	160	15	literacy	literacy	NOUN
abrj-495	160	16	,	,	PUNCT
abrj-495	160	17	consumer	consumer	NOUN
abrj-495	160	18	awareness	awareness	NOUN
abrj-495	160	19	,	,	PUNCT
abrj-495	160	20	ease	ease	NOUN
abrj-495	160	21	of	of	ADP
abrj-495	160	22	access	access	NOUN
abrj-495	160	23	,	,	PUNCT
abrj-495	160	24	trust	trust	NOUN
abrj-495	160	25	,	,	PUNCT
abrj-495	160	26	and	and	CCONJ
abrj-495	160	27	interest	interest	NOUN
abrj-495	160	28	in	in	ADP
abrj-495	160	29	online	online	ADJ
abrj-495	160	30	loans	loan	NOUN
abrj-495	160	31	.	.	PUNCT
abrj-495	161	1	overall	overall	ADV
abrj-495	161	2	,	,	PUNCT
abrj-495	161	3	the	the	DET
abrj-495	161	4	data	datum	NOUN
abrj-495	161	5	obtained	obtain	VERB
abrj-495	161	6	through	through	ADP
abrj-495	161	7	the	the	DET
abrj-495	161	8	questionnaire	questionnaire	NOUN
abrj-495	161	9	can	can	AUX
abrj-495	161	10	be	be	AUX
abrj-495	161	11	considered	consider	VERB
abrj-495	161	12	trustworthy	trustworthy	ADJ
abrj-495	161	13	for	for	ADP
abrj-495	161	14	further	further	ADJ
abrj-495	161	15	hypothesis	hypothesis	NOUN
abrj-495	161	16	testing	testing	NOUN
abrj-495	161	17	.	.	PUNCT
abrj-495	162	1	4.3	4.3	NUM
abrj-495	162	2	.	.	PUNCT
abrj-495	163	1	classical	classical	ADJ
abrj-495	163	2	assumption	assumption	NOUN
abrj-495	163	3	test	test	NOUN
abrj-495	163	4	the	the	DET
abrj-495	163	5	four	four	NUM
abrj-495	163	6	criteria	criterion	NOUN
abrj-495	163	7	for	for	ADP
abrj-495	163	8	evaluating	evaluate	VERB
abrj-495	163	9	classical	classical	ADJ
abrj-495	163	10	assumptions	assumption	NOUN
abrj-495	163	11	include	include	VERB
abrj-495	163	12	:	:	PUNCT
abrj-495	163	13	(	(	PUNCT
abrj-495	163	14	1	1	X
abrj-495	163	15	)	)	PUNCT
abrj-495	163	16	the	the	DET
abrj-495	163	17	normality	normality	NOUN
abrj-495	163	18	test	test	NOUN
abrj-495	163	19	,	,	PUNCT
abrj-495	163	20	(	(	PUNCT
abrj-495	163	21	2	2	X
abrj-495	163	22	)	)	PUNCT
abrj-495	163	23	the	the	DET
abrj-495	163	24	multicollinearity	multicollinearity	NOUN
abrj-495	163	25	test	test	NOUN
abrj-495	163	26	,	,	PUNCT
abrj-495	163	27	(	(	PUNCT
abrj-495	163	28	3	3	X
abrj-495	163	29	)	)	PUNCT
abrj-495	163	30	the	the	DET
abrj-495	163	31	heteroscedasticity	heteroscedasticity	NOUN
abrj-495	163	32	test	test	NOUN
abrj-495	163	33	,	,	PUNCT
abrj-495	163	34	and	and	CCONJ
abrj-495	163	35	(	(	PUNCT
abrj-495	163	36	4	4	X
abrj-495	163	37	)	)	PUNCT
abrj-495	163	38	the	the	DET
abrj-495	163	39	autocorrelation	autocorrelation	NOUN
abrj-495	163	40	test	test	NOUN
abrj-495	163	41	.	.	PUNCT
abrj-495	164	1	table	table	NOUN
abrj-495	164	2	4	4	NUM
abrj-495	164	3	below	below	ADP
abrj-495	164	4	presents	present	VERB
abrj-495	164	5	the	the	DET
abrj-495	164	6	results	result	NOUN
abrj-495	164	7	of	of	ADP
abrj-495	164	8	the	the	DET
abrj-495	164	9	classical	classical	ADJ
abrj-495	164	10	assumption	assumption	NOUN
abrj-495	164	11	tests	test	NOUN
abrj-495	164	12	conducted	conduct	VERB
abrj-495	164	13	in	in	ADP
abrj-495	164	14	this	this	DET
abrj-495	164	15	study	study	NOUN
abrj-495	164	16	.	.	PUNCT
abrj-495	165	1	the	the	DET
abrj-495	165	2	classical	classical	ADJ
abrj-495	165	3	assumption	assumption	NOUN
abrj-495	165	4	tests	test	NOUN
abrj-495	165	5	are	be	AUX
abrj-495	165	6	a	a	DET
abrj-495	165	7	series	series	NOUN
abrj-495	165	8	of	of	ADP
abrj-495	165	9	requirements	requirement	NOUN
abrj-495	165	10	that	that	PRON
abrj-495	165	11	must	must	AUX
abrj-495	165	12	be	be	AUX
abrj-495	165	13	satisfied	satisfied	ADJ
abrj-495	165	14	for	for	SCONJ
abrj-495	165	15	the	the	DET
abrj-495	165	16	regression	regression	NOUN
abrj-495	165	17	model	model	NOUN
abrj-495	165	18	to	to	PART
abrj-495	165	19	be	be	AUX
abrj-495	165	20	considered	consider	VERB
abrj-495	165	21	valid	valid	ADJ
abrj-495	165	22	.	.	PUNCT
abrj-495	166	1	table	table	NOUN
abrj-495	166	2	4	4	NUM
abrj-495	166	3	.	.	PUNCT
abrj-495	166	4	classic	classic	ADJ
abrj-495	166	5	assumption	assumption	NOUN
abrj-495	166	6	test	test	NOUN
abrj-495	166	7	matrix	matrix	NOUN
abrj-495	166	8	.	.	PUNCT
abrj-495	167	1	criteria	criterion	NOUN
abrj-495	167	2	for	for	ADP
abrj-495	167	3	classical	classical	ADJ
abrj-495	167	4	assumptions	assumption	NOUN
abrj-495	167	5	output	output	PROPN
abrj-495	167	6	normality	normality	PROPN
abrj-495	167	7	sig	sig	NOUN
abrj-495	167	8	.	.	PUNCT
abrj-495	168	1	0.200	0.200	NUM
abrj-495	168	2	>	>	SYM
abrj-495	168	3	0.05	0.05	NUM
abrj-495	168	4	multicollinearity	multicollinearity	NOUN
abrj-495	168	5	financial	financial	ADJ
abrj-495	168	6	literacy	literacy	NOUN
abrj-495	168	7	:	:	PUNCT
abrj-495	168	8	1.739	1.739	NUM
abrj-495	168	9	consumer	consumer	NOUN
abrj-495	168	10	awareness	awareness	NOUN
abrj-495	168	11	:	:	PUNCT
abrj-495	168	12	2.004	2.004	NUM
abrj-495	168	13	ease	ease	NOUN
abrj-495	168	14	of	of	ADP
abrj-495	168	15	access	access	NOUN
abrj-495	168	16	:	:	PUNCT
abrj-495	168	17	1.825	1.825	NUM
abrj-495	168	18	trust	trust	NOUN
abrj-495	168	19	:	:	PUNCT
abrj-495	168	20	1.602	1.602	NUM
abrj-495	168	21	heteroscedasticity	heteroscedasticity	NOUN
abrj-495	168	22	sig	sig	NOUN
abrj-495	168	23	.	.	PUNCT
abrj-495	169	1	>	>	X
abrj-495	169	2	0.05	0.05	NUM
abrj-495	169	3	for	for	ADP
abrj-495	169	4	all	all	DET
abrj-495	169	5	variables	variable	NOUN
abrj-495	169	6	autocorrelation	autocorrelation	NOUN
abrj-495	169	7	1.987	1.987	NUM
abrj-495	169	8	first	first	ADJ
abrj-495	170	1	,	,	PUNCT
abrj-495	170	2	the	the	DET
abrj-495	170	3	normality	normality	NOUN
abrj-495	170	4	test	test	NOUN
abrj-495	170	5	using	use	VERB
abrj-495	170	6	the	the	DET
abrj-495	170	7	kolmogorov	kolmogorov	ADJ
abrj-495	170	8	-	-	PUNCT
abrj-495	170	9	smirnov	smirnov	PROPN
abrj-495	170	10	implies	imply	VERB
abrj-495	170	11	a	a	DET
abrj-495	170	12	significance	significance	NOUN
abrj-495	170	13	level	level	NOUN
abrj-495	170	14	of	of	ADP
abrj-495	170	15	0.200	0.200	NUM
abrj-495	170	16	,	,	PUNCT
abrj-495	170	17	which	which	PRON
abrj-495	170	18	is	be	AUX
abrj-495	170	19	greater	great	ADJ
abrj-495	170	20	than	than	ADP
abrj-495	170	21	5	5	NUM
abrj-495	170	22	%	%	NOUN
abrj-495	170	23	(	(	PUNCT
abrj-495	170	24	p	p	X
abrj-495	170	25	>	>	X
abrj-495	170	26	0.05	0.05	NUM
abrj-495	170	27	)	)	PUNCT
abrj-495	170	28	.	.	PUNCT
abrj-495	171	1	this	this	DET
abrj-495	171	2	significance	significance	NOUN
abrj-495	171	3	value	value	NOUN
abrj-495	171	4	suggests	suggest	VERB
abrj-495	171	5	that	that	SCONJ
abrj-495	171	6	the	the	DET
abrj-495	171	7	data	data	NOUN
abrj-495	171	8	is	be	AUX
abrj-495	171	9	normally	normally	ADV
abrj-495	171	10	distributed	distribute	VERB
abrj-495	171	11	,	,	PUNCT
abrj-495	171	12	thereby	thereby	ADV
abrj-495	171	13	satisfying	satisfy	VERB
abrj-495	171	14	the	the	DET
abrj-495	171	15	assumption	assumption	NOUN
abrj-495	171	16	of	of	ADP
abrj-495	171	17	normality	normality	NOUN
abrj-495	171	18	.	.	PUNCT
abrj-495	172	1	second	second	ADJ
abrj-495	172	2	,	,	PUNCT
abrj-495	172	3	the	the	DET
abrj-495	172	4	multicollinearity	multicollinearity	NOUN
abrj-495	172	5	test	test	NOUN
abrj-495	172	6	,	,	PUNCT
abrj-495	172	7	assessed	assess	VERB
abrj-495	172	8	through	through	ADP
abrj-495	172	9	the	the	DET
abrj-495	172	10	variance	variance	NOUN
abrj-495	172	11	inflation	inflation	NOUN
abrj-495	172	12	factor	factor	NOUN
abrj-495	172	13	(	(	PUNCT
abrj-495	172	14	vif	vif	PROPN
abrj-495	172	15	)	)	PUNCT
abrj-495	172	16	,	,	PUNCT
abrj-495	172	17	reveals	reveal	VERB
abrj-495	172	18	that	that	SCONJ
abrj-495	172	19	all	all	DET
abrj-495	172	20	independent	independent	ADJ
abrj-495	172	21	variables	variable	NOUN
abrj-495	172	22	have	have	VERB
abrj-495	172	23	a	a	DET
abrj-495	172	24	vif	vif	NOUN
abrj-495	172	25	score	score	NOUN
abrj-495	172	26	of	of	ADP
abrj-495	172	27	less	less	ADJ
abrj-495	172	28	than	than	ADP
abrj-495	172	29	10	10	NUM
abrj-495	172	30	.	.	PUNCT
abrj-495	173	1	this	this	PRON
abrj-495	173	2	indicates	indicate	VERB
abrj-495	173	3	that	that	SCONJ
abrj-495	173	4	there	there	PRON
abrj-495	173	5	is	be	VERB
abrj-495	173	6	no	no	DET
abrj-495	173	7	multicollinearity	multicollinearity	NOUN
abrj-495	173	8	issue	issue	NOUN
abrj-495	173	9	within	within	ADP
abrj-495	173	10	the	the	DET
abrj-495	173	11	regression	regression	NOUN
abrj-495	173	12	model	model	NOUN
abrj-495	173	13	.	.	PUNCT
abrj-495	174	1	third	third	ADJ
abrj-495	174	2	,	,	PUNCT
abrj-495	174	3	the	the	DET
abrj-495	174	4	heteroscedasticity	heteroscedasticity	NOUN
abrj-495	174	5	test	test	NOUN
abrj-495	174	6	,	,	PUNCT
abrj-495	174	7	conducted	conduct	VERB
abrj-495	174	8	using	use	VERB
abrj-495	174	9	the	the	DET
abrj-495	174	10	glejser	glejser	NOUN
abrj-495	174	11	test	test	NOUN
abrj-495	174	12	,	,	PUNCT
abrj-495	174	13	shows	show	VERB
abrj-495	174	14	a	a	DET
abrj-495	174	15	significance	significance	NOUN
abrj-495	174	16	value	value	NOUN
abrj-495	174	17	greater	great	ADJ
abrj-495	174	18	than	than	ADP
abrj-495	174	19	0.05	0.05	NUM
abrj-495	174	20	for	for	ADP
abrj-495	174	21	all	all	DET
abrj-495	174	22	independent	independent	ADJ
abrj-495	174	23	variables	variable	NOUN
abrj-495	174	24	.	.	PUNCT
abrj-495	175	1	this	this	PRON
abrj-495	175	2	articulates	articulate	VERB
abrj-495	175	3	that	that	SCONJ
abrj-495	175	4	there	there	PRON
abrj-495	175	5	is	be	VERB
abrj-495	175	6	no	no	DET
abrj-495	175	7	heteroscedasticity	heteroscedasticity	NOUN
abrj-495	175	8	or	or	CCONJ
abrj-495	175	9	constant	constant	ADJ
abrj-495	175	10	error	error	NOUN
abrj-495	175	11	variance	variance	NOUN
abrj-495	175	12	present	present	ADJ
abrj-495	175	13	.	.	PUNCT
abrj-495	176	1	fourth	fourth	ADV
abrj-495	176	2	,	,	PUNCT
abrj-495	176	3	the	the	DET
abrj-495	176	4	autocorrelation	autocorrelation	NOUN
abrj-495	176	5	test	test	NOUN
abrj-495	176	6	,	,	PUNCT
abrj-495	176	7	measured	measure	VERB
abrj-495	176	8	by	by	ADP
abrj-495	176	9	the	the	DET
abrj-495	176	10	durbinwatson	durbinwatson	NOUN
abrj-495	176	11	produces	produce	VERB
abrj-495	176	12	,	,	PUNCT
abrj-495	176	13	yields	yield	VERB
abrj-495	176	14	a	a	DET
abrj-495	176	15	score	score	NOUN
abrj-495	176	16	of	of	ADP
abrj-495	176	17	1.987	1.987	NUM
abrj-495	176	18	,	,	PUNCT
abrj-495	176	19	which	which	PRON
abrj-495	176	20	falls	fall	VERB
abrj-495	176	21	within	within	ADP
abrj-495	176	22	the	the	DET
abrj-495	176	23	acceptable	acceptable	ADJ
abrj-495	176	24	range	range	NOUN
abrj-495	176	25	of	of	ADP
abrj-495	176	26	1.55–2.46	1.55–2.46	NUM
abrj-495	176	27	.	.	PUNCT
abrj-495	177	1	this	this	DET
abrj-495	177	2	score	score	NOUN
abrj-495	177	3	indicates	indicate	VERB
abrj-495	177	4	that	that	SCONJ
abrj-495	177	5	there	there	PRON
abrj-495	177	6	is	be	VERB
abrj-495	177	7	no	no	DET
abrj-495	177	8	autocorrelation	autocorrelation	NOUN
abrj-495	177	9	issue	issue	NOUN
abrj-495	177	10	in	in	ADP
abrj-495	177	11	the	the	DET
abrj-495	177	12	regression	regression	NOUN
abrj-495	177	13	model	model	NOUN
abrj-495	177	14	.	.	PUNCT
abrj-495	178	1	in	in	ADP
abrj-495	178	2	general	general	ADJ
abrj-495	178	3	,	,	PUNCT
abrj-495	178	4	the	the	DET
abrj-495	178	5	results	result	NOUN
abrj-495	178	6	of	of	ADP
abrj-495	178	7	the	the	DET
abrj-495	178	8	classical	classical	ADJ
abrj-495	178	9	assumption	assumption	NOUN
abrj-495	178	10	tests	test	NOUN
abrj-495	178	11	have	have	AUX
abrj-495	178	12	been	be	AUX
abrj-495	178	13	satisfactorily	satisfactorily	ADV
abrj-495	178	14	met	meet	VERB
abrj-495	178	15	.	.	PUNCT
abrj-495	179	1	the	the	DET
abrj-495	179	2	regression	regression	NOUN
abrj-495	179	3	model	model	NOUN
abrj-495	179	4	is	be	AUX
abrj-495	179	5	deemed	deem	VERB
abrj-495	179	6	appropriate	appropriate	ADJ
abrj-495	179	7	and	and	CCONJ
abrj-495	179	8	can	can	AUX
abrj-495	179	9	be	be	AUX
abrj-495	179	10	utilized	utilize	VERB
abrj-495	179	11	for	for	ADP
abrj-495	179	12	further	further	ADJ
abrj-495	179	13	hypothesis	hypothesis	NOUN
abrj-495	179	14	testing	testing	NOUN
abrj-495	179	15	.	.	PUNCT
abrj-495	180	1	the	the	DET
abrj-495	180	2	fulfillment	fulfillment	NOUN
abrj-495	180	3	of	of	ADP
abrj-495	180	4	these	these	DET
abrj-495	180	5	fundamental	fundamental	ADJ
abrj-495	180	6	regression	regression	NOUN
abrj-495	180	7	assumptions	assumption	NOUN
abrj-495	180	8	ensures	ensure	VERB
abrj-495	180	9	that	that	SCONJ
abrj-495	180	10	the	the	DET
abrj-495	180	11	parameter	parameter	NOUN
abrj-495	180	12	estimates	estimate	NOUN
abrj-495	180	13	obtained	obtain	VERB
abrj-495	180	14	are	be	AUX
abrj-495	180	15	the	the	DET
abrj-495	180	16	best	good	ADJ
abrj-495	180	17	linear	linear	ADJ
abrj-495	180	18	unbiased	unbiased	ADJ
abrj-495	180	19	estimators	estimator	NOUN
abrj-495	180	20	(	(	PUNCT
abrj-495	180	21	blue	blue	ADJ
abrj-495	180	22	)	)	PUNCT
abrj-495	180	23	and	and	CCONJ
abrj-495	180	24	lead	lead	VERB
abrj-495	180	25	to	to	ADP
abrj-495	180	26	reliable	reliable	ADJ
abrj-495	180	27	conclusions	conclusion	NOUN
abrj-495	180	28	.	.	PUNCT
abrj-495	181	1	4.4	4.4	NUM
abrj-495	181	2	.	.	PUNCT
abrj-495	182	1	multiple	multiple	ADJ
abrj-495	182	2	regression	regression	NOUN
abrj-495	182	3	results	result	NOUN
abrj-495	182	4	table	table	NOUN
abrj-495	182	5	5	5	NUM
abrj-495	182	6	displays	display	VERB
abrj-495	182	7	the	the	DET
abrj-495	182	8	output	output	NOUN
abrj-495	182	9	of	of	ADP
abrj-495	182	10	the	the	DET
abrj-495	182	11	multiple	multiple	ADJ
abrj-495	182	12	regression	regression	NOUN
abrj-495	182	13	analysis	analysis	NOUN
abrj-495	182	14	.	.	PUNCT
abrj-495	183	1	this	this	DET
abrj-495	183	2	analysis	analysis	NOUN
abrj-495	183	3	was	be	AUX
abrj-495	183	4	conducted	conduct	VERB
abrj-495	183	5	to	to	PART
abrj-495	183	6	assess	assess	VERB
abrj-495	183	7	the	the	DET
abrj-495	183	8	simultaneous	simultaneous	ADJ
abrj-495	183	9	effects	effect	NOUN
abrj-495	183	10	of	of	ADP
abrj-495	183	11	several	several	ADJ
abrj-495	183	12	independent	independent	ADJ
abrj-495	183	13	variables	variable	NOUN
abrj-495	183	14	on	on	ADP
abrj-495	183	15	the	the	DET
abrj-495	183	16	dependent	dependent	ADJ
abrj-495	183	17	variable	variable	NOUN
abrj-495	183	18	.	.	PUNCT
abrj-495	184	1	the	the	DET
abrj-495	184	2	results	result	NOUN
abrj-495	184	3	indicate	indicate	VERB
abrj-495	184	4	that	that	SCONJ
abrj-495	184	5	financial	financial	ADJ
abrj-495	184	6	literacy	literacy	NOUN
abrj-495	184	7	,	,	PUNCT
abrj-495	184	8	consumer	consumer	NOUN
abrj-495	184	9	awareness	awareness	NOUN
abrj-495	184	10	,	,	PUNCT
abrj-495	184	11	ease	ease	NOUN
abrj-495	184	12	of	of	ADP
abrj-495	184	13	access	access	NOUN
abrj-495	184	14	,	,	PUNCT
abrj-495	184	15	and	and	CCONJ
abrj-495	184	16	trust	trust	NOUN
abrj-495	184	17	significantly	significantly	ADV
abrj-495	184	18	influence	influence	VERB
abrj-495	184	19	interest	interest	NOUN
abrj-495	184	20	in	in	ADP
abrj-495	184	21	online	online	ADJ
abrj-495	184	22	loans	loan	NOUN
abrj-495	184	23	.	.	PUNCT
abrj-495	185	1	notably	notably	ADV
abrj-495	185	2	,	,	PUNCT
abrj-495	185	3	the	the	DET
abrj-495	185	4	f	f	NOUN
abrj-495	185	5	-	-	PUNCT
abrj-495	185	6	statistic	statistic	NOUN
abrj-495	185	7	is	be	AUX
abrj-495	185	8	less	less	ADJ
abrj-495	185	9	than	than	ADP
abrj-495	185	10	the	the	DET
abrj-495	185	11	1	1	NUM
abrj-495	185	12	%	%	NOUN
abrj-495	185	13	probability	probability	NOUN
abrj-495	185	14	degree	degree	NOUN
abrj-495	185	15	(	(	PUNCT
abrj-495	185	16	p	p	NOUN
abrj-495	185	17	=	=	NOUN
abrj-495	185	18	0.001	0.001	NUM
abrj-495	185	19	)	)	PUNCT
abrj-495	185	20	.	.	PUNCT
abrj-495	186	1	table	table	NOUN
abrj-495	186	2	5	5	NUM
abrj-495	186	3	.	.	PUNCT
abrj-495	187	1	direct	direct	ADJ
abrj-495	187	2	effect	effect	NOUN
abrj-495	187	3	test	test	NOUN
abrj-495	187	4	.	.	PUNCT
abrj-495	188	1	linkage	linkage	NOUN
abrj-495	188	2	paths	path	NOUN
abrj-495	188	3	beta	beta	ADJ
abrj-495	188	4	t	t	NOUN
abrj-495	188	5	-	-	PUNCT
abrj-495	188	6	value	value	NOUN
abrj-495	188	7	sig	sig	NOUN
abrj-495	188	8	.	.	PUNCT
abrj-495	189	1	sig	sig	PROPN
abrj-495	189	2	.	.	PUNCT
abrj-495	190	1	f	f	PROPN
abrj-495	190	2	financial	financial	ADJ
abrj-495	190	3	literacy	literacy	NOUN
abrj-495	190	4	-	-	PUNCT
abrj-495	190	5	>	>	X
abrj-495	190	6	interest	interest	NOUN
abrj-495	190	7	in	in	ADP
abrj-495	190	8	online	online	ADJ
abrj-495	190	9	loans	loan	NOUN
abrj-495	190	10	0.271	0.271	NUM
abrj-495	190	11	2.812	2.812	NUM
abrj-495	190	12	0.006	0.006	NUM
abrj-495	190	13	0.001	0.001	NUM
abrj-495	190	14	consumer	consumer	NOUN
abrj-495	190	15	awareness	awareness	NOUN
abrj-495	190	16	-	-	PUNCT
abrj-495	190	17	>	>	X
abrj-495	190	18	interest	interest	NOUN
abrj-495	190	19	in	in	ADP
abrj-495	190	20	online	online	ADJ
abrj-495	190	21	loans	loan	NOUN
abrj-495	190	22	0.245	0.245	NUM
abrj-495	190	23	2.538	2.538	NUM
abrj-495	190	24	0.013	0.013	NUM
abrj-495	190	25	ease	ease	NOUN
abrj-495	190	26	of	of	ADP
abrj-495	190	27	access	access	NOUN
abrj-495	190	28	-	-	PUNCT
abrj-495	190	29	>	>	X
abrj-495	190	30	interest	interest	NOUN
abrj-495	190	31	in	in	ADP
abrj-495	190	32	online	online	ADJ
abrj-495	190	33	loans	loan	NOUN
abrj-495	190	34	0.295	0.295	NUM
abrj-495	190	35	3.071	3.071	NUM
abrj-495	190	36	0.003	0.003	NUM
abrj-495	190	37	trust	trust	NOUN
abrj-495	190	38	-	-	PUNCT
abrj-495	190	39	>	>	X
abrj-495	190	40	interest	interest	NOUN
abrj-495	190	41	in	in	ADP
abrj-495	190	42	online	online	ADJ
abrj-495	190	43	loans	loan	NOUN
abrj-495	190	44	0.377	0.377	NUM
abrj-495	190	45	4.032	4.032	NUM
abrj-495	190	46	0.000	0.000	NUM
abrj-495	190	47	based	base	VERB
abrj-495	190	48	on	on	ADP
abrj-495	190	49	table	table	NOUN
abrj-495	190	50	5	5	NUM
abrj-495	190	51	,	,	PUNCT
abrj-495	190	52	all	all	DET
abrj-495	190	53	independent	independent	ADJ
abrj-495	190	54	variables	variable	NOUN
abrj-495	190	55	positively	positively	ADV
abrj-495	190	56	and	and	CCONJ
abrj-495	190	57	significantly	significantly	ADV
abrj-495	190	58	influence	influence	VERB
abrj-495	190	59	interest	interest	NOUN
abrj-495	190	60	in	in	ADP
abrj-495	190	61	online	online	ADJ
abrj-495	190	62	loans	loan	NOUN
abrj-495	190	63	.	.	PUNCT
abrj-495	191	1	financial	financial	ADJ
abrj-495	191	2	literacy	literacy	NOUN
abrj-495	191	3	,	,	PUNCT
abrj-495	191	4	consumer	consumer	NOUN
abrj-495	191	5	awareness	awareness	NOUN
abrj-495	191	6	,	,	PUNCT
abrj-495	191	7	and	and	CCONJ
abrj-495	191	8	ease	ease	NOUN
abrj-495	191	9	of	of	ADP
abrj-495	191	10	access	access	NOUN
abrj-495	191	11	all	all	PRON
abrj-495	191	12	have	have	VERB
abrj-495	191	13	significance	significance	NOUN
abrj-495	191	14	values	value	NOUN
abrj-495	191	15	less	less	ADJ
abrj-495	191	16	than	than	ADP
abrj-495	191	17	5	5	NUM
abrj-495	191	18	%	%	NOUN
abrj-495	191	19	(	(	PUNCT
abrj-495	191	20	p	p	X
abrj-495	191	21	<	<	X
abrj-495	191	22	0.05	0.05	NUM
abrj-495	191	23	)	)	PUNCT
abrj-495	191	24	.	.	PUNCT
abrj-495	192	1	first	first	ADV
abrj-495	192	2	,	,	PUNCT
abrj-495	192	3	financial	financial	ADJ
abrj-495	192	4	literacy	literacy	NOUN
abrj-495	192	5	has	have	VERB
abrj-495	192	6	a	a	DET
abrj-495	192	7	beta	beta	ADJ
abrj-495	192	8	coefficient	coefficient	NOUN
abrj-495	192	9	of	of	ADP
abrj-495	192	10	0.271	0.271	NUM
abrj-495	192	11	with	with	ADP
abrj-495	192	12	a	a	DET
abrj-495	192	13	significance	significance	NOUN
abrj-495	192	14	level	level	NOUN
abrj-495	192	15	of	of	ADP
abrj-495	192	16	0.006	0.006	NUM
abrj-495	192	17	,	,	PUNCT
abrj-495	192	18	indicating	indicate	VERB
abrj-495	192	19	that	that	SCONJ
abrj-495	192	20	it	it	PRON
abrj-495	192	21	positively	positively	ADV
abrj-495	192	22	and	and	CCONJ
abrj-495	192	23	significantly	significantly	ADV
abrj-495	192	24	affects	affect	VERB
abrj-495	192	25	interest	interest	NOUN
abrj-495	192	26	in	in	ADP
abrj-495	192	27	online	online	ADJ
abrj-495	192	28	loans	loan	NOUN
abrj-495	192	29	.	.	PUNCT
abrj-495	193	1	second	second	ADJ
abrj-495	193	2	,	,	PUNCT
abrj-495	193	3	consumer	consumer	NOUN
abrj-495	193	4	awareness	awareness	NOUN
abrj-495	193	5	has	have	VERB
abrj-495	193	6	a	a	DET
abrj-495	193	7	beta	beta	ADJ
abrj-495	193	8	coefficient	coefficient	NOUN
abrj-495	193	9	of	of	ADP
abrj-495	193	10	0.245	0.245	NUM
abrj-495	193	11	with	with	ADP
abrj-495	193	12	a	a	DET
abrj-495	193	13	significance	significance	NOUN
abrj-495	193	14	level	level	NOUN
abrj-495	193	15	of	of	ADP
abrj-495	193	16	0.013	0.013	NUM
abrj-495	193	17	,	,	PUNCT
abrj-495	193	18	demonstrating	demonstrate	VERB
abrj-495	193	19	that	that	SCONJ
abrj-495	193	20	it	it	PRON
abrj-495	193	21	also	also	ADV
abrj-495	193	22	positively	positively	ADV
abrj-495	193	23	and	and	CCONJ
abrj-495	193	24	significantly	significantly	ADV
abrj-495	193	25	influences	influence	VERB
abrj-495	193	26	interest	interest	NOUN
abrj-495	193	27	in	in	ADP
abrj-495	193	28	online	online	ADJ
abrj-495	193	29	loans	loan	NOUN
abrj-495	193	30	.	.	PUNCT
abrj-495	194	1	third	third	ADJ
abrj-495	194	2	,	,	PUNCT
abrj-495	194	3	ease	ease	NOUN
abrj-495	194	4	of	of	ADP
abrj-495	194	5	access	access	NOUN
abrj-495	194	6	has	have	VERB
abrj-495	194	7	a	a	DET
abrj-495	194	8	beta	beta	ADJ
abrj-495	194	9	coefficient	coefficient	NOUN
abrj-495	194	10	of	of	ADP
abrj-495	194	11	0.295	0.295	NUM
abrj-495	194	12	with	with	ADP
abrj-495	194	13	a	a	DET
abrj-495	194	14	significance	significance	NOUN
abrj-495	194	15	level	level	NOUN
abrj-495	194	16	of	of	ADP
abrj-495	194	17	0.003	0.003	NUM
abrj-495	194	18	,	,	PUNCT
abrj-495	194	19	confirming	confirm	VERB
abrj-495	194	20	that	that	SCONJ
abrj-495	194	21	it	it	PRON
abrj-495	194	22	positively	positively	ADV
abrj-495	194	23	and	and	CCONJ
abrj-495	194	24	significantly	significantly	ADV
abrj-495	194	25	impacts	impact	VERB
abrj-495	194	26	interest	interest	NOUN
abrj-495	194	27	in	in	ADP
abrj-495	194	28	online	online	ADJ
abrj-495	194	29	loans	loan	NOUN
abrj-495	194	30	.	.	PUNCT
abrj-495	195	1	notably	notably	ADV
abrj-495	195	2	,	,	PUNCT
abrj-495	195	3	trust	trust	NOUN
abrj-495	195	4	has	have	VERB
abrj-495	195	5	the	the	DET
abrj-495	195	6	largest	large	ADJ
abrj-495	195	7	beta	beta	ADJ
abrj-495	195	8	coefficient	coefficient	NOUN
abrj-495	195	9	of	of	ADP
abrj-495	195	10	0.377	0.377	NUM
abrj-495	195	11	and	and	CCONJ
abrj-495	195	12	a	a	DET
abrj-495	195	13	significance	significance	NOUN
abrj-495	195	14	level	level	NOUN
abrj-495	195	15	of	of	ADP
abrj-495	195	16	0.000	0.000	NUM
abrj-495	195	17	,	,	PUNCT
abrj-495	195	18	with	with	ADP
abrj-495	195	19	a	a	DET
abrj-495	195	20	probability	probability	NOUN
abrj-495	195	21	degree	degree	NOUN
abrj-495	195	22	of	of	ADP
abrj-495	195	23	1	1	NUM
abrj-495	195	24	%	%	NOUN
abrj-495	195	25	(	(	PUNCT
abrj-495	195	26	p	p	X
abrj-495	195	27	<	<	X
abrj-495	195	28	0.01	0.01	NUM
abrj-495	195	29	)	)	PUNCT
abrj-495	195	30	.	.	PUNCT
abrj-495	196	1	this	this	PRON
abrj-495	196	2	indicates	indicate	VERB
abrj-495	196	3	that	that	SCONJ
abrj-495	196	4	trust	trust	NOUN
abrj-495	196	5	is	be	AUX
abrj-495	196	6	a	a	DET
abrj-495	196	7	vital	vital	ADJ
abrj-495	196	8	part	part	NOUN
abrj-495	196	9	that	that	PRON
abrj-495	196	10	positively	positively	ADV
abrj-495	196	11	and	and	CCONJ
abrj-495	196	12	significantly	significantly	ADV
abrj-495	196	13	affects	affect	VERB
abrj-495	196	14	interest	interest	NOUN
abrj-495	196	15	in	in	ADP
abrj-495	196	16	online	online	ADJ
abrj-495	196	17	loans	loan	NOUN
abrj-495	196	18	.	.	PUNCT
abrj-495	197	1	4.5	4.5	NUM
abrj-495	197	2	.	.	PUNCT
abrj-495	198	1	mediation	mediation	NOUN
abrj-495	198	2	test	test	NOUN
abrj-495	198	3	table	table	NOUN
abrj-495	198	4	6	6	NUM
abrj-495	198	5	below	below	ADP
abrj-495	198	6	summarizes	summarize	NOUN
abrj-495	198	7	the	the	DET
abrj-495	198	8	mediation	mediation	NOUN
abrj-495	198	9	testing	testing	NOUN
abrj-495	198	10	conducted	conduct	VERB
abrj-495	198	11	in	in	ADP
abrj-495	198	12	this	this	DET
abrj-495	198	13	study	study	NOUN
abrj-495	198	14	.	.	PUNCT
abrj-495	199	1	the	the	DET
abrj-495	199	2	effects	effect	NOUN
abrj-495	199	3	derived	derive	VERB
abrj-495	199	4	from	from	ADP
abrj-495	199	5	the	the	DET
abrj-495	199	6	mediation	mediation	NOUN
abrj-495	199	7	testing	testing	NOUN
abrj-495	199	8	are	be	AUX
abrj-495	199	9	used	use	VERB
abrj-495	199	10	to	to	PART
abrj-495	199	11	examine	examine	VERB
abrj-495	199	12	the	the	DET
abrj-495	199	13	role	role	NOUN
abrj-495	199	14	of	of	ADP
abrj-495	199	15	trust	trust	NOUN
abrj-495	199	16	variables	variable	NOUN
abrj-495	199	17	in	in	ADP
abrj-495	199	18	mediating	mediate	VERB
abrj-495	199	19	the	the	DET
abrj-495	199	20	relationship	relationship	NOUN
abrj-495	199	21	between	between	ADP
abrj-495	199	22	the	the	DET
abrj-495	199	23	asian	asian	PROPN
abrj-495	199	24	business	business	PROPN
abrj-495	199	25	research	research	NOUN
abrj-495	199	26	journal	journal	NOUN
abrj-495	199	27	,	,	PUNCT
abrj-495	199	28	2025	2025	NUM
abrj-495	199	29	,	,	PUNCT
abrj-495	199	30	10(7	10(7	NUM
abrj-495	199	31	):	):	PUNCT
abrj-495	199	32	50	50	NUM
abrj-495	199	33	-	-	SYM
abrj-495	199	34	59	59	NUM
abrj-495	199	35	55	55	NUM
abrj-495	199	36	©	©	PROPN
abrj-495	199	37	2025	2025	NUM
abrj-495	199	38	by	by	ADP
abrj-495	199	39	the	the	DET
abrj-495	199	40	authors	author	NOUN
abrj-495	199	41	;	;	PUNCT
abrj-495	199	42	licensee	licensee	NOUN
abrj-495	199	43	eastern	eastern	ADJ
abrj-495	199	44	centre	centre	NOUN
abrj-495	199	45	of	of	ADP
abrj-495	199	46	science	science	NOUN
abrj-495	199	47	and	and	CCONJ
abrj-495	199	48	education	education	NOUN
abrj-495	199	49	,	,	PUNCT
abrj-495	199	50	usa	usa	PROPN
abrj-495	199	51	independent	independent	ADJ
abrj-495	199	52	variables	variable	NOUN
abrj-495	199	53	—	—	PUNCT
abrj-495	199	54	financial	financial	ADJ
abrj-495	199	55	literacy	literacy	NOUN
abrj-495	199	56	,	,	PUNCT
abrj-495	199	57	consumer	consumer	NOUN
abrj-495	199	58	awareness	awareness	NOUN
abrj-495	199	59	,	,	PUNCT
abrj-495	199	60	and	and	CCONJ
abrj-495	199	61	ease	ease	NOUN
abrj-495	199	62	of	of	ADP
abrj-495	199	63	access	access	NOUN
abrj-495	199	64	—	—	PUNCT
abrj-495	199	65	and	and	CCONJ
abrj-495	199	66	the	the	DET
abrj-495	199	67	dependent	dependent	ADJ
abrj-495	199	68	variable	variable	NOUN
abrj-495	199	69	,	,	PUNCT
abrj-495	199	70	which	which	PRON
abrj-495	199	71	is	be	AUX
abrj-495	199	72	interest	interest	NOUN
abrj-495	199	73	in	in	ADP
abrj-495	199	74	online	online	ADJ
abrj-495	199	75	loans	loan	NOUN
abrj-495	199	76	.	.	PUNCT
abrj-495	200	1	table	table	NOUN
abrj-495	200	2	6	6	NUM
abrj-495	200	3	.	.	PUNCT
abrj-495	201	1	mediation	mediation	NOUN
abrj-495	201	2	effect	effect	NOUN
abrj-495	201	3	test	test	NOUN
abrj-495	201	4	.	.	PUNCT
abrj-495	202	1	mediation	mediation	NOUN
abrj-495	202	2	paths	path	NOUN
abrj-495	202	3	beta	beta	PROPN
abrj-495	202	4	t	t	PROPN
abrj-495	202	5	-	-	PUNCT
abrj-495	202	6	value	value	NOUN
abrj-495	202	7	sig	sig	NOUN
abrj-495	202	8	.	.	PUNCT
abrj-495	203	1	financial	financial	ADJ
abrj-495	203	2	literacy	literacy	NOUN
abrj-495	203	3	-	-	PUNCT
abrj-495	203	4	>	>	X
abrj-495	203	5	trust	trust	PROPN
abrj-495	203	6	-	-	PUNCT
abrj-495	203	7	>	>	X
abrj-495	203	8	interest	interest	NOUN
abrj-495	203	9	in	in	ADP
abrj-495	203	10	online	online	ADJ
abrj-495	203	11	loans	loan	NOUN
abrj-495	203	12	0.102	0.102	NUM
abrj-495	203	13	2.356	2.356	NUM
abrj-495	203	14	0.018	0.018	NUM
abrj-495	203	15	consumer	consumer	NOUN
abrj-495	203	16	awareness	awareness	NOUN
abrj-495	203	17	-	-	PUNCT
abrj-495	203	18	>	>	X
abrj-495	203	19	trust	trust	PROPN
abrj-495	203	20	-	-	PUNCT
abrj-495	203	21	>	>	X
abrj-495	203	22	interest	interest	NOUN
abrj-495	203	23	in	in	ADP
abrj-495	203	24	online	online	ADJ
abrj-495	203	25	loans	loan	NOUN
abrj-495	203	26	0.092	0.092	NUM
abrj-495	203	27	2.196	2.196	NUM
abrj-495	203	28	0.028	0.028	NUM
abrj-495	203	29	ease	ease	NOUN
abrj-495	203	30	of	of	ADP
abrj-495	203	31	access	access	NOUN
abrj-495	203	32	-	-	PUNCT
abrj-495	203	33	>	>	X
abrj-495	203	34	trust	trust	NOUN
abrj-495	203	35	-	-	PUNCT
abrj-495	203	36	>	>	X
abrj-495	203	37	interest	interest	NOUN
abrj-495	203	38	in	in	ADP
abrj-495	203	39	online	online	ADJ
abrj-495	203	40	loans	loan	NOUN
abrj-495	203	41	0.011	0.011	NUM
abrj-495	203	42	2.492	2.492	NUM
abrj-495	203	43	0.013	0.013	NUM
abrj-495	203	44	through	through	ADP
abrj-495	203	45	significance	significance	NOUN
abrj-495	203	46	values	value	NOUN
abrj-495	203	47	below	below	ADP
abrj-495	203	48	the	the	DET
abrj-495	203	49	5	5	NUM
abrj-495	203	50	%	%	NOUN
abrj-495	203	51	probability	probability	NOUN
abrj-495	203	52	level	level	NOUN
abrj-495	203	53	(	(	PUNCT
abrj-495	203	54	p	p	X
abrj-495	203	55	<	<	X
abrj-495	203	56	0.05	0.05	NUM
abrj-495	203	57	)	)	PUNCT
abrj-495	203	58	,	,	PUNCT
abrj-495	203	59	the	the	DET
abrj-495	203	60	indirect	indirect	ADJ
abrj-495	203	61	effects	effect	NOUN
abrj-495	203	62	of	of	ADP
abrj-495	203	63	each	each	DET
abrj-495	203	64	independent	independent	ADJ
abrj-495	203	65	variable	variable	NOUN
abrj-495	203	66	on	on	ADP
abrj-495	203	67	interest	interest	NOUN
abrj-495	203	68	in	in	ADP
abrj-495	203	69	online	online	ADJ
abrj-495	203	70	loans	loan	NOUN
abrj-495	203	71	,	,	PUNCT
abrj-495	203	72	mediated	mediate	VERB
abrj-495	203	73	by	by	ADP
abrj-495	203	74	trust	trust	NOUN
abrj-495	203	75	,	,	PUNCT
abrj-495	203	76	are	be	AUX
abrj-495	203	77	all	all	ADV
abrj-495	203	78	positive	positive	ADJ
abrj-495	203	79	and	and	CCONJ
abrj-495	203	80	significant	significant	ADJ
abrj-495	203	81	.	.	PUNCT
abrj-495	204	1	specifically	specifically	ADV
abrj-495	204	2	,	,	PUNCT
abrj-495	204	3	financial	financial	ADJ
abrj-495	204	4	literacy	literacy	NOUN
abrj-495	204	5	(	(	PUNCT
abrj-495	204	6	β	β	X
abrj-495	204	7	=	=	PUNCT
abrj-495	204	8	0.102	0.102	NUM
abrj-495	204	9	;	;	PUNCT
abrj-495	204	10	p	p	PROPN
abrj-495	204	11	=	=	NOUN
abrj-495	204	12	0.018	0.018	NUM
abrj-495	204	13	)	)	PUNCT
abrj-495	204	14	,	,	PUNCT
abrj-495	204	15	consumer	consumer	NOUN
abrj-495	204	16	awareness	awareness	NOUN
abrj-495	204	17	(	(	PUNCT
abrj-495	204	18	β	β	X
abrj-495	204	19	=	=	NOUN
abrj-495	204	20	0.092	0.092	NUM
abrj-495	204	21	;	;	PUNCT
abrj-495	204	22	p	p	X
abrj-495	204	23	=	=	NOUN
abrj-495	204	24	0.028	0.028	NUM
abrj-495	204	25	)	)	PUNCT
abrj-495	204	26	,	,	PUNCT
abrj-495	204	27	and	and	CCONJ
abrj-495	204	28	ease	ease	NOUN
abrj-495	204	29	of	of	ADP
abrj-495	204	30	access	access	NOUN
abrj-495	204	31	(	(	PUNCT
abrj-495	204	32	β	β	X
abrj-495	204	33	=	=	PUNCT
abrj-495	204	34	0.011	0.011	NUM
abrj-495	204	35	;	;	PUNCT
abrj-495	204	36	p	p	X
abrj-495	204	37	=	=	NOUN
abrj-495	204	38	0.013	0.013	NUM
abrj-495	204	39	)	)	PUNCT
abrj-495	204	40	demonstrate	demonstrate	VERB
abrj-495	204	41	this	this	DET
abrj-495	204	42	effect	effect	NOUN
abrj-495	204	43	.	.	PUNCT
abrj-495	205	1	these	these	DET
abrj-495	205	2	beta	beta	ADJ
abrj-495	205	3	coefficients	coefficient	NOUN
abrj-495	205	4	and	and	CCONJ
abrj-495	205	5	significance	significance	NOUN
abrj-495	205	6	values	value	NOUN
abrj-495	205	7	indicate	indicate	VERB
abrj-495	205	8	that	that	PRON
abrj-495	205	9	trust	trust	NOUN
abrj-495	205	10	significantly	significantly	ADV
abrj-495	205	11	mediates	mediate	VERB
abrj-495	205	12	the	the	DET
abrj-495	205	13	relationship	relationship	NOUN
abrj-495	205	14	between	between	ADP
abrj-495	205	15	financial	financial	ADJ
abrj-495	205	16	literacy	literacy	NOUN
abrj-495	205	17	,	,	PUNCT
abrj-495	205	18	consumer	consumer	NOUN
abrj-495	205	19	awareness	awareness	NOUN
abrj-495	205	20	,	,	PUNCT
abrj-495	205	21	and	and	CCONJ
abrj-495	205	22	ease	ease	NOUN
abrj-495	205	23	of	of	ADP
abrj-495	205	24	access	access	NOUN
abrj-495	205	25	to	to	ADP
abrj-495	205	26	interest	interest	NOUN
abrj-495	205	27	in	in	ADP
abrj-495	205	28	online	online	ADJ
abrj-495	205	29	loans	loan	NOUN
abrj-495	205	30	.	.	PUNCT
abrj-495	206	1	5	5	X
abrj-495	206	2	.	.	X
abrj-495	206	3	discussions	discussion	NOUN
abrj-495	206	4	5.1	5.1	NUM
abrj-495	206	5	.	.	PUNCT
abrj-495	207	1	impact	impact	NOUN
abrj-495	207	2	of	of	ADP
abrj-495	207	3	financial	financial	ADJ
abrj-495	207	4	literacy	literacy	NOUN
abrj-495	207	5	on	on	ADP
abrj-495	207	6	interest	interest	NOUN
abrj-495	207	7	in	in	ADP
abrj-495	207	8	online	online	ADJ
abrj-495	207	9	loans	loan	NOUN
abrj-495	207	10	this	this	DET
abrj-495	207	11	finding	finding	NOUN
abrj-495	207	12	justifies	justify	VERB
abrj-495	207	13	that	that	SCONJ
abrj-495	207	14	financial	financial	ADJ
abrj-495	207	15	literacy	literacy	NOUN
abrj-495	207	16	maturity	maturity	NOUN
abrj-495	207	17	can	can	AUX
abrj-495	207	18	help	help	VERB
abrj-495	207	19	individuals	individual	NOUN
abrj-495	207	20	avoid	avoid	VERB
abrj-495	207	21	financial	financial	ADJ
abrj-495	207	22	problems	problem	NOUN
abrj-495	207	23	.	.	PUNCT
abrj-495	208	1	strong	strong	ADJ
abrj-495	208	2	financial	financial	ADJ
abrj-495	208	3	literacy	literacy	NOUN
abrj-495	208	4	enables	enable	VERB
abrj-495	208	5	individuals	individual	NOUN
abrj-495	208	6	to	to	PART
abrj-495	208	7	utilize	utilize	VERB
abrj-495	208	8	online	online	ADJ
abrj-495	208	9	loans	loan	NOUN
abrj-495	208	10	strategically	strategically	ADV
abrj-495	208	11	.	.	PUNCT
abrj-495	209	1	they	they	PRON
abrj-495	209	2	are	be	AUX
abrj-495	209	3	more	more	ADV
abrj-495	209	4	likely	likely	ADJ
abrj-495	209	5	to	to	PART
abrj-495	209	6	use	use	VERB
abrj-495	209	7	loans	loan	NOUN
abrj-495	209	8	for	for	ADP
abrj-495	209	9	productive	productive	ADJ
abrj-495	209	10	purposes	purpose	NOUN
abrj-495	209	11	,	,	PUNCT
abrj-495	209	12	such	such	ADJ
abrj-495	209	13	as	as	ADP
abrj-495	209	14	investment	investment	NOUN
abrj-495	209	15	or	or	CCONJ
abrj-495	209	16	business	business	NOUN
abrj-495	209	17	capital	capital	NOUN
abrj-495	209	18	,	,	PUNCT
abrj-495	209	19	rather	rather	ADV
abrj-495	209	20	than	than	ADP
abrj-495	209	21	for	for	ADP
abrj-495	209	22	mere	mere	ADJ
abrj-495	209	23	consumption	consumption	NOUN
abrj-495	209	24	that	that	PRON
abrj-495	209	25	does	do	AUX
abrj-495	209	26	not	not	PART
abrj-495	209	27	yield	yield	VERB
abrj-495	209	28	long	long	ADJ
abrj-495	209	29	-	-	PUNCT
abrj-495	209	30	term	term	NOUN
abrj-495	209	31	benefits	benefit	NOUN
abrj-495	209	32	.	.	PUNCT
abrj-495	210	1	decisions	decision	NOUN
abrj-495	210	2	made	make	VERB
abrj-495	210	3	based	base	VERB
abrj-495	210	4	on	on	ADP
abrj-495	210	5	sound	sound	ADJ
abrj-495	210	6	financial	financial	ADJ
abrj-495	210	7	knowledge	knowledge	NOUN
abrj-495	210	8	are	be	AUX
abrj-495	210	9	generally	generally	ADV
abrj-495	210	10	better	well	ADV
abrj-495	210	11	planned	plan	VERB
abrj-495	210	12	and	and	CCONJ
abrj-495	210	13	have	have	VERB
abrj-495	210	14	the	the	DET
abrj-495	210	15	potential	potential	NOUN
abrj-495	210	16	to	to	PART
abrj-495	210	17	yield	yield	VERB
abrj-495	210	18	greater	great	ADJ
abrj-495	210	19	financial	financial	ADJ
abrj-495	210	20	benefits	benefit	NOUN
abrj-495	210	21	.	.	PUNCT
abrj-495	211	1	this	this	PRON
abrj-495	211	2	not	not	PART
abrj-495	211	3	only	only	ADV
abrj-495	211	4	aids	aid	VERB
abrj-495	211	5	individuals	individual	NOUN
abrj-495	211	6	in	in	ADP
abrj-495	211	7	maintaining	maintain	VERB
abrj-495	211	8	their	their	PRON
abrj-495	211	9	financial	financial	ADJ
abrj-495	211	10	health	health	NOUN
abrj-495	211	11	but	but	CCONJ
abrj-495	211	12	also	also	ADV
abrj-495	211	13	contributes	contribute	VERB
abrj-495	211	14	to	to	ADP
abrj-495	211	15	overall	overall	ADJ
abrj-495	211	16	financial	financial	ADJ
abrj-495	211	17	stability	stability	NOUN
abrj-495	211	18	within	within	ADP
abrj-495	211	19	society	society	NOUN
abrj-495	211	20	.	.	PUNCT
abrj-495	212	1	this	this	DET
abrj-495	212	2	research	research	NOUN
abrj-495	212	3	is	be	AUX
abrj-495	212	4	supported	support	VERB
abrj-495	212	5	by	by	ADP
abrj-495	212	6	the	the	DET
abrj-495	212	7	findings	finding	NOUN
abrj-495	212	8	of	of	ADP
abrj-495	212	9	abdurrahman	abdurrahman	NOUN
abrj-495	212	10	and	and	CCONJ
abrj-495	212	11	nugroho	nugroho	NOUN
abrj-495	212	12	(	(	PUNCT
abrj-495	212	13	2024	2024	NUM
abrj-495	212	14	)	)	PUNCT
abrj-495	212	15	,	,	PUNCT
abrj-495	212	16	pascucci	pascucci	VERB
abrj-495	212	17	et	et	NOUN
abrj-495	212	18	al	al	PROPN
abrj-495	212	19	.	.	PROPN
abrj-495	213	1	(	(	PUNCT
abrj-495	213	2	2023	2023	NUM
abrj-495	213	3	)	)	PUNCT
abrj-495	213	4	,	,	PUNCT
abrj-495	213	5	and	and	CCONJ
abrj-495	213	6	sari	sari	NOUN
abrj-495	213	7	et	et	PROPN
abrj-495	213	8	al	al	PROPN
abrj-495	213	9	.	.	PROPN
abrj-495	213	10	(	(	PUNCT
abrj-495	213	11	2023	2023	NUM
abrj-495	213	12	)	)	PUNCT
abrj-495	213	13	,	,	PUNCT
abrj-495	213	14	which	which	PRON
abrj-495	213	15	underline	underline	VERB
abrj-495	213	16	that	that	SCONJ
abrj-495	213	17	advanced	advanced	ADJ
abrj-495	213	18	financial	financial	ADJ
abrj-495	213	19	literacy	literacy	NOUN
abrj-495	213	20	plays	play	VERB
abrj-495	213	21	a	a	DET
abrj-495	213	22	crucial	crucial	ADJ
abrj-495	213	23	role	role	NOUN
abrj-495	213	24	in	in	ADP
abrj-495	213	25	fostering	foster	VERB
abrj-495	213	26	prudent	prudent	ADJ
abrj-495	213	27	use	use	NOUN
abrj-495	213	28	of	of	ADP
abrj-495	213	29	online	online	ADJ
abrj-495	213	30	loans	loan	NOUN
abrj-495	213	31	.	.	PUNCT
abrj-495	214	1	individuals	individual	NOUN
abrj-495	214	2	with	with	ADP
abrj-495	214	3	strong	strong	ADJ
abrj-495	214	4	financial	financial	ADJ
abrj-495	214	5	literacy	literacy	NOUN
abrj-495	214	6	can	can	AUX
abrj-495	214	7	minimize	minimize	VERB
abrj-495	214	8	the	the	DET
abrj-495	214	9	risk	risk	NOUN
abrj-495	214	10	of	of	ADP
abrj-495	214	11	falling	fall	VERB
abrj-495	214	12	into	into	ADP
abrj-495	214	13	unmanageable	unmanageable	ADJ
abrj-495	214	14	debt	debt	NOUN
abrj-495	214	15	and	and	CCONJ
abrj-495	214	16	ensure	ensure	VERB
abrj-495	214	17	that	that	SCONJ
abrj-495	214	18	every	every	DET
abrj-495	214	19	financial	financial	ADJ
abrj-495	214	20	decision	decision	NOUN
abrj-495	214	21	is	be	AUX
abrj-495	214	22	grounded	ground	VERB
abrj-495	214	23	in	in	ADP
abrj-495	214	24	careful	careful	ADJ
abrj-495	214	25	consideration	consideration	NOUN
abrj-495	214	26	.	.	PUNCT
abrj-495	215	1	thus	thus	ADV
abrj-495	215	2	,	,	PUNCT
abrj-495	215	3	one	one	PRON
abrj-495	215	4	's	's	PART
abrj-495	215	5	understanding	understanding	NOUN
abrj-495	215	6	of	of	ADP
abrj-495	215	7	financial	financial	ADJ
abrj-495	215	8	literacy	literacy	NOUN
abrj-495	215	9	can	can	AUX
abrj-495	215	10	significantly	significantly	ADV
abrj-495	215	11	influence	influence	VERB
abrj-495	215	12	the	the	DET
abrj-495	215	13	judicious	judicious	ADJ
abrj-495	215	14	use	use	NOUN
abrj-495	215	15	of	of	ADP
abrj-495	215	16	online	online	ADJ
abrj-495	215	17	loans	loan	NOUN
abrj-495	215	18	.	.	PUNCT
abrj-495	216	1	given	give	VERB
abrj-495	216	2	the	the	DET
abrj-495	216	3	current	current	ADJ
abrj-495	216	4	landscape	landscape	NOUN
abrj-495	216	5	,	,	PUNCT
abrj-495	216	6	efforts	effort	NOUN
abrj-495	216	7	to	to	PART
abrj-495	216	8	enhance	enhance	VERB
abrj-495	216	9	financial	financial	ADJ
abrj-495	216	10	literacy	literacy	NOUN
abrj-495	216	11	among	among	ADP
abrj-495	216	12	the	the	DET
abrj-495	216	13	population	population	NOUN
abrj-495	216	14	are	be	AUX
abrj-495	216	15	essential	essential	ADJ
abrj-495	216	16	,	,	PUNCT
abrj-495	216	17	enabling	enable	VERB
abrj-495	216	18	individuals	individual	NOUN
abrj-495	216	19	to	to	PART
abrj-495	216	20	make	make	VERB
abrj-495	216	21	wiser	wise	ADJ
abrj-495	216	22	and	and	CCONJ
abrj-495	216	23	more	more	ADV
abrj-495	216	24	responsible	responsible	ADJ
abrj-495	216	25	financial	financial	ADJ
abrj-495	216	26	decisions	decision	NOUN
abrj-495	216	27	,	,	PUNCT
abrj-495	216	28	particularly	particularly	ADV
abrj-495	216	29	when	when	SCONJ
abrj-495	216	30	utilizing	utilize	VERB
abrj-495	216	31	online	online	ADJ
abrj-495	216	32	loan	loan	NOUN
abrj-495	216	33	services	service	NOUN
abrj-495	216	34	.	.	PUNCT
abrj-495	217	1	this	this	DET
abrj-495	217	2	finding	finding	NOUN
abrj-495	217	3	aligns	align	VERB
abrj-495	217	4	with	with	ADP
abrj-495	217	5	liu	liu	PROPN
abrj-495	217	6	et	et	PROPN
abrj-495	217	7	al	al	PROPN
abrj-495	217	8	.	.	PROPN
abrj-495	218	1	(	(	PUNCT
abrj-495	218	2	2023	2023	NUM
abrj-495	218	3	)	)	PUNCT
abrj-495	218	4	,	,	PUNCT
abrj-495	218	5	who	who	PRON
abrj-495	218	6	project	project	VERB
abrj-495	218	7	that	that	SCONJ
abrj-495	218	8	financial	financial	ADJ
abrj-495	218	9	literacy	literacy	NOUN
abrj-495	218	10	has	have	VERB
abrj-495	218	11	a	a	DET
abrj-495	218	12	substantial	substantial	ADJ
abrj-495	218	13	effect	effect	NOUN
abrj-495	218	14	on	on	ADP
abrj-495	218	15	the	the	DET
abrj-495	218	16	adoption	adoption	NOUN
abrj-495	218	17	of	of	ADP
abrj-495	218	18	digital	digital	ADJ
abrj-495	218	19	financial	financial	ADJ
abrj-495	218	20	services	service	NOUN
abrj-495	218	21	.	.	PUNCT
abrj-495	219	1	individuals	individual	NOUN
abrj-495	219	2	with	with	ADP
abrj-495	219	3	a	a	DET
abrj-495	219	4	better	well	ADJ
abrj-495	219	5	grasp	grasp	NOUN
abrj-495	219	6	of	of	ADP
abrj-495	219	7	financial	financial	ADJ
abrj-495	219	8	concepts	concept	NOUN
abrj-495	219	9	tend	tend	VERB
abrj-495	219	10	to	to	PART
abrj-495	219	11	be	be	AUX
abrj-495	219	12	more	more	ADV
abrj-495	219	13	discerning	discerning	NOUN
abrj-495	219	14	and	and	CCONJ
abrj-495	219	15	responsible	responsible	ADJ
abrj-495	219	16	when	when	SCONJ
abrj-495	219	17	selecting	select	VERB
abrj-495	219	18	online	online	ADJ
abrj-495	219	19	loan	loan	NOUN
abrj-495	219	20	platforms	platform	NOUN
abrj-495	219	21	.	.	PUNCT
abrj-495	220	1	5.2	5.2	NUM
abrj-495	220	2	.	.	PUNCT
abrj-495	220	3	impact	impact	NOUN
abrj-495	220	4	of	of	ADP
abrj-495	220	5	consumer	consumer	NOUN
abrj-495	220	6	awareness	awareness	NOUN
abrj-495	220	7	on	on	ADP
abrj-495	220	8	interest	interest	NOUN
abrj-495	220	9	in	in	ADP
abrj-495	220	10	online	online	ADJ
abrj-495	220	11	loans	loan	NOUN
abrj-495	220	12	recent	recent	ADJ
abrj-495	220	13	findings	finding	NOUN
abrj-495	220	14	regarding	regard	VERB
abrj-495	220	15	the	the	DET
abrj-495	220	16	impact	impact	NOUN
abrj-495	220	17	of	of	ADP
abrj-495	220	18	consumer	consumer	NOUN
abrj-495	220	19	awareness	awareness	NOUN
abrj-495	220	20	on	on	ADP
abrj-495	220	21	interest	interest	NOUN
abrj-495	220	22	in	in	ADP
abrj-495	220	23	online	online	ADJ
abrj-495	220	24	loan	loan	NOUN
abrj-495	220	25	are	be	AUX
abrj-495	220	26	supported	support	VERB
abrj-495	220	27	by	by	ADP
abrj-495	220	28	hwang	hwang	PROPN
abrj-495	220	29	and	and	CCONJ
abrj-495	220	30	park	park	NOUN
abrj-495	220	31	(	(	PUNCT
abrj-495	220	32	2023	2023	NUM
abrj-495	220	33	)	)	PUNCT
abrj-495	220	34	,	,	PUNCT
abrj-495	220	35	who	who	PRON
abrj-495	220	36	demonstrate	demonstrate	VERB
abrj-495	220	37	that	that	SCONJ
abrj-495	220	38	a	a	DET
abrj-495	220	39	high	high	ADJ
abrj-495	220	40	level	level	NOUN
abrj-495	220	41	of	of	ADP
abrj-495	220	42	consumer	consumer	NOUN
abrj-495	220	43	awareness	awareness	NOUN
abrj-495	220	44	enhances	enhance	VERB
abrj-495	220	45	the	the	DET
abrj-495	220	46	likelihood	likelihood	NOUN
abrj-495	220	47	of	of	ADP
abrj-495	220	48	utilizing	utilize	VERB
abrj-495	220	49	online	online	ADJ
abrj-495	220	50	loan	loan	NOUN
abrj-495	220	51	services	service	NOUN
abrj-495	220	52	.	.	PUNCT
abrj-495	221	1	consumers	consumer	NOUN
abrj-495	221	2	who	who	PRON
abrj-495	221	3	comprehend	comprehend	VERB
abrj-495	221	4	regulations	regulation	NOUN
abrj-495	221	5	,	,	PUNCT
abrj-495	221	6	their	their	PRON
abrj-495	221	7	rights	right	NOUN
abrj-495	221	8	,	,	PUNCT
abrj-495	221	9	and	and	CCONJ
abrj-495	221	10	complaint	complaint	NOUN
abrj-495	221	11	mechanisms	mechanism	NOUN
abrj-495	221	12	are	be	AUX
abrj-495	221	13	generally	generally	ADV
abrj-495	221	14	more	more	ADV
abrj-495	221	15	receptive	receptive	ADJ
abrj-495	221	16	to	to	ADP
abrj-495	221	17	adopting	adopt	VERB
abrj-495	221	18	digital	digital	ADJ
abrj-495	221	19	financial	financial	ADJ
abrj-495	221	20	products	product	NOUN
abrj-495	221	21	.	.	PUNCT
abrj-495	222	1	in	in	ADP
abrj-495	222	2	the	the	DET
abrj-495	222	3	scope	scope	NOUN
abrj-495	222	4	of	of	ADP
abrj-495	222	5	this	this	DET
abrj-495	222	6	study	study	NOUN
abrj-495	222	7	,	,	PUNCT
abrj-495	222	8	consumer	consumer	NOUN
abrj-495	222	9	awareness	awareness	NOUN
abrj-495	222	10	encompasses	encompass	VERB
abrj-495	222	11	the	the	DET
abrj-495	222	12	extent	extent	NOUN
abrj-495	222	13	to	to	PART
abrj-495	222	14	which	which	PRON
abrj-495	222	15	individuals	individual	NOUN
abrj-495	222	16	understand	understand	VERB
abrj-495	222	17	the	the	DET
abrj-495	222	18	existence	existence	NOUN
abrj-495	222	19	,	,	PUNCT
abrj-495	222	20	functions	function	NOUN
abrj-495	222	21	,	,	PUNCT
abrj-495	222	22	regulations	regulation	NOUN
abrj-495	222	23	,	,	PUNCT
abrj-495	222	24	and	and	CCONJ
abrj-495	222	25	consumer	consumer	NOUN
abrj-495	222	26	protections	protection	NOUN
abrj-495	222	27	associated	associate	VERB
abrj-495	222	28	with	with	ADP
abrj-495	222	29	online	online	ADJ
abrj-495	222	30	loan	loan	NOUN
abrj-495	222	31	services	service	NOUN
abrj-495	222	32	.	.	PUNCT
abrj-495	223	1	regression	regression	NOUN
abrj-495	223	2	analysis	analysis	NOUN
abrj-495	223	3	shows	show	VERB
abrj-495	223	4	that	that	SCONJ
abrj-495	223	5	as	as	ADP
abrj-495	223	6	consumer	consumer	NOUN
abrj-495	223	7	awareness	awareness	NOUN
abrj-495	223	8	increases	increase	VERB
abrj-495	223	9	,	,	PUNCT
abrj-495	223	10	so	so	ADV
abrj-495	223	11	does	do	VERB
abrj-495	223	12	their	their	PRON
abrj-495	223	13	interest	interest	NOUN
abrj-495	223	14	in	in	ADP
abrj-495	223	15	utilizing	utilize	VERB
abrj-495	223	16	online	online	ADJ
abrj-495	223	17	loans	loan	NOUN
abrj-495	223	18	.	.	PUNCT
abrj-495	224	1	in	in	ADP
abrj-495	224	2	addition	addition	NOUN
abrj-495	224	3	,	,	PUNCT
abrj-495	224	4	consumers	consumer	NOUN
abrj-495	224	5	who	who	PRON
abrj-495	224	6	are	be	AUX
abrj-495	224	7	informed	inform	VERB
abrj-495	224	8	about	about	ADP
abrj-495	224	9	their	their	PRON
abrj-495	224	10	rights	right	NOUN
abrj-495	224	11	and	and	CCONJ
abrj-495	224	12	the	the	DET
abrj-495	224	13	available	available	ADJ
abrj-495	224	14	complaint	complaint	NOUN
abrj-495	224	15	procedures	procedure	NOUN
abrj-495	224	16	are	be	AUX
abrj-495	224	17	more	more	ADV
abrj-495	224	18	inclined	inclined	ADJ
abrj-495	224	19	to	to	PART
abrj-495	224	20	embrace	embrace	VERB
abrj-495	224	21	digital	digital	ADJ
abrj-495	224	22	financial	financial	ADJ
abrj-495	224	23	products	product	NOUN
abrj-495	224	24	.	.	PUNCT
abrj-495	225	1	a	a	DET
abrj-495	225	2	study	study	NOUN
abrj-495	225	3	by	by	ADP
abrj-495	225	4	johnson	johnson	PROPN
abrj-495	225	5	(	(	PUNCT
abrj-495	225	6	2025	2025	NUM
abrj-495	225	7	)	)	PUNCT
abrj-495	225	8	further	far	ADV
abrj-495	225	9	substantiates	substantiate	VERB
abrj-495	225	10	the	the	DET
abrj-495	225	11	empirical	empirical	ADJ
abrj-495	225	12	argument	argument	NOUN
abrj-495	225	13	that	that	SCONJ
abrj-495	225	14	a	a	DET
abrj-495	225	15	comprehensive	comprehensive	ADJ
abrj-495	225	16	consumer	consumer	NOUN
abrj-495	225	17	education	education	NOUN
abrj-495	225	18	program	program	NOUN
abrj-495	225	19	can	can	AUX
abrj-495	225	20	significantly	significantly	ADV
abrj-495	225	21	boost	boost	VERB
abrj-495	225	22	the	the	DET
abrj-495	225	23	adoption	adoption	NOUN
abrj-495	225	24	rate	rate	NOUN
abrj-495	225	25	of	of	ADP
abrj-495	225	26	fintech	fintech	NOUN
abrj-495	225	27	.	.	PUNCT
abrj-495	226	1	the	the	PRON
abrj-495	226	2	more	more	ADJ
abrj-495	226	3	consumers	consumer	NOUN
abrj-495	226	4	understand	understand	VERB
abrj-495	226	5	the	the	DET
abrj-495	226	6	existence	existence	NOUN
abrj-495	226	7	,	,	PUNCT
abrj-495	226	8	functions	function	NOUN
abrj-495	226	9	,	,	PUNCT
abrj-495	226	10	and	and	CCONJ
abrj-495	226	11	protections	protection	NOUN
abrj-495	226	12	afforded	afford	VERB
abrj-495	226	13	with	with	ADP
abrj-495	226	14	online	online	ADJ
abrj-495	226	15	loan	loan	NOUN
abrj-495	226	16	,	,	PUNCT
abrj-495	226	17	the	the	PRON
abrj-495	226	18	more	more	ADV
abrj-495	226	19	likely	likely	ADJ
abrj-495	226	20	they	they	PRON
abrj-495	226	21	are	be	AUX
abrj-495	226	22	to	to	PART
abrj-495	226	23	utilize	utilize	VERB
abrj-495	226	24	these	these	DET
abrj-495	226	25	services	service	NOUN
abrj-495	226	26	.	.	PUNCT
abrj-495	227	1	increased	increase	VERB
abrj-495	227	2	efforts	effort	NOUN
abrj-495	227	3	from	from	ADP
abrj-495	227	4	online	online	ADJ
abrj-495	227	5	loan	loan	NOUN
abrj-495	227	6	service	service	NOUN
abrj-495	227	7	providers	provider	NOUN
abrj-495	227	8	can	can	AUX
abrj-495	227	9	enhance	enhance	VERB
abrj-495	227	10	public	public	ADJ
abrj-495	227	11	awareness	awareness	NOUN
abrj-495	227	12	(	(	PUNCT
abrj-495	227	13	clark	clark	PROPN
abrj-495	227	14	et	et	PROPN
abrj-495	227	15	al	al	PROPN
abrj-495	227	16	.	.	PROPN
abrj-495	227	17	,	,	PUNCT
abrj-495	227	18	2018	2018	NUM
abrj-495	227	19	)	)	PUNCT
abrj-495	227	20	.	.	PUNCT
abrj-495	228	1	ongoing	ongoing	ADJ
abrj-495	228	2	education	education	NOUN
abrj-495	228	3	and	and	CCONJ
abrj-495	228	4	outreach	outreach	NOUN
abrj-495	228	5	regarding	regard	VERB
abrj-495	228	6	products	product	NOUN
abrj-495	228	7	,	,	PUNCT
abrj-495	228	8	regulations	regulation	NOUN
abrj-495	228	9	,	,	PUNCT
abrj-495	228	10	and	and	CCONJ
abrj-495	228	11	consumer	consumer	NOUN
abrj-495	228	12	rights	right	NOUN
abrj-495	228	13	and	and	CCONJ
abrj-495	228	14	responsibilities	responsibility	NOUN
abrj-495	228	15	are	be	AUX
abrj-495	228	16	essential	essential	ADJ
abrj-495	228	17	for	for	ADP
abrj-495	228	18	enabling	enable	VERB
abrj-495	228	19	individuals	individual	NOUN
abrj-495	228	20	to	to	PART
abrj-495	228	21	make	make	VERB
abrj-495	228	22	informed	informed	ADJ
abrj-495	228	23	decisions	decision	NOUN
abrj-495	228	24	when	when	SCONJ
abrj-495	228	25	selecting	select	VERB
abrj-495	228	26	online	online	ADJ
abrj-495	228	27	loans	loan	NOUN
abrj-495	228	28	.	.	PUNCT
abrj-495	229	1	5.3	5.3	NUM
abrj-495	229	2	.	.	PUNCT
abrj-495	229	3	impact	impact	NOUN
abrj-495	229	4	of	of	ADP
abrj-495	229	5	ease	ease	NOUN
abrj-495	229	6	of	of	ADP
abrj-495	229	7	access	access	NOUN
abrj-495	229	8	on	on	ADP
abrj-495	229	9	interest	interest	NOUN
abrj-495	229	10	in	in	ADP
abrj-495	229	11	online	online	ADJ
abrj-495	229	12	loans	loan	NOUN
abrj-495	229	13	in	in	ADP
abrj-495	229	14	accordance	accordance	NOUN
abrj-495	229	15	with	with	ADP
abrj-495	229	16	the	the	DET
abrj-495	229	17	study	study	NOUN
abrj-495	229	18	by	by	ADP
abrj-495	229	19	wang	wang	PROPN
abrj-495	229	20	et	et	PROPN
abrj-495	229	21	al	al	PROPN
abrj-495	229	22	.	.	PROPN
abrj-495	229	23	(	(	PUNCT
abrj-495	229	24	2023	2023	NUM
abrj-495	229	25	)	)	PUNCT
abrj-495	229	26	,	,	PUNCT
abrj-495	229	27	ease	ease	NOUN
abrj-495	229	28	of	of	ADP
abrj-495	229	29	use	use	NOUN
abrj-495	229	30	,	,	PUNCT
abrj-495	229	31	a	a	DET
abrj-495	229	32	straightforward	straightforward	ADJ
abrj-495	229	33	application	application	NOUN
abrj-495	229	34	process	process	NOUN
abrj-495	229	35	,	,	PUNCT
abrj-495	229	36	and	and	CCONJ
abrj-495	229	37	accessibility	accessibility	NOUN
abrj-495	229	38	are	be	AUX
abrj-495	229	39	critical	critical	ADJ
abrj-495	229	40	elements	element	NOUN
abrj-495	229	41	influencing	influence	VERB
abrj-495	229	42	the	the	DET
abrj-495	229	43	adoption	adoption	NOUN
abrj-495	229	44	of	of	ADP
abrj-495	229	45	fintech	fintech	NOUN
abrj-495	229	46	.	.	PUNCT
abrj-495	230	1	consumers	consumer	NOUN
abrj-495	230	2	favor	favor	VERB
abrj-495	230	3	online	online	ADJ
abrj-495	230	4	loan	loan	NOUN
abrj-495	230	5	platforms	platform	NOUN
abrj-495	230	6	that	that	PRON
abrj-495	230	7	provide	provide	VERB
abrj-495	230	8	convenience	convenience	NOUN
abrj-495	230	9	and	and	CCONJ
abrj-495	230	10	flexibility	flexibility	NOUN
abrj-495	230	11	.	.	PUNCT
abrj-495	231	1	these	these	DET
abrj-495	231	2	findings	finding	NOUN
abrj-495	231	3	underscore	underscore	VERB
abrj-495	231	4	the	the	DET
abrj-495	231	5	urgency	urgency	NOUN
abrj-495	231	6	of	of	ADP
abrj-495	231	7	trust	trust	NOUN
abrj-495	231	8	as	as	ADP
abrj-495	231	9	a	a	DET
abrj-495	231	10	catalyst	catalyst	NOUN
abrj-495	231	11	for	for	ADP
abrj-495	231	12	the	the	DET
abrj-495	231	13	adoption	adoption	NOUN
abrj-495	231	14	of	of	ADP
abrj-495	231	15	digital	digital	ADJ
abrj-495	231	16	financial	financial	ADJ
abrj-495	231	17	services	service	NOUN
abrj-495	231	18	,	,	PUNCT
abrj-495	231	19	as	as	SCONJ
abrj-495	231	20	highlighted	highlight	VERB
abrj-495	231	21	in	in	ADP
abrj-495	231	22	the	the	DET
abrj-495	231	23	works	work	NOUN
abrj-495	231	24	of	of	ADP
abrj-495	231	25	cuadros	cuadro	NOUN
abrj-495	231	26	-	-	NOUN
abrj-495	231	27	solas	solas	PROPN
abrj-495	231	28	et	et	NOUN
abrj-495	231	29	al	al	PROPN
abrj-495	231	30	.	.	PROPN
abrj-495	232	1	(	(	PUNCT
abrj-495	232	2	2024	2024	NUM
abrj-495	232	3	)	)	PUNCT
abrj-495	232	4	,	,	PUNCT
abrj-495	232	5	jarvenpaa	jarvenpaa	NOUN
abrj-495	232	6	et	et	PROPN
abrj-495	232	7	al	al	PROPN
abrj-495	232	8	.	.	PUNCT
abrj-495	233	1	(	(	PUNCT
abrj-495	233	2	2000	2000	NUM
abrj-495	233	3	)	)	PUNCT
abrj-495	233	4	,	,	PUNCT
abrj-495	233	5	singh	singh	PROPN
abrj-495	233	6	et	et	PROPN
abrj-495	233	7	al	al	PROPN
abrj-495	233	8	.	.	PROPN
abrj-495	234	1	(	(	PUNCT
abrj-495	234	2	2024	2024	NUM
abrj-495	234	3	)	)	PUNCT
abrj-495	234	4	,	,	PUNCT
abrj-495	234	5	and	and	CCONJ
abrj-495	234	6	wang	wang	PROPN
abrj-495	234	7	et	et	PROPN
abrj-495	234	8	al	al	PROPN
abrj-495	234	9	.	.	PROPN
abrj-495	235	1	(	(	PUNCT
abrj-495	235	2	2023	2023	NUM
abrj-495	235	3	)	)	PUNCT
abrj-495	235	4	.	.	PUNCT
abrj-495	236	1	consumers	consumer	NOUN
abrj-495	236	2	who	who	PRON
abrj-495	236	3	have	have	VERB
abrj-495	236	4	a	a	DET
abrj-495	236	5	high	high	ADJ
abrj-495	236	6	level	level	NOUN
abrj-495	236	7	of	of	ADP
abrj-495	236	8	trust	trust	NOUN
abrj-495	236	9	in	in	ADP
abrj-495	236	10	online	online	ADJ
abrj-495	236	11	loan	loan	NOUN
abrj-495	236	12	platforms	platform	NOUN
abrj-495	236	13	are	be	AUX
abrj-495	236	14	generally	generally	ADV
abrj-495	236	15	more	more	ADV
abrj-495	236	16	receptive	receptive	ADJ
abrj-495	236	17	to	to	ADP
abrj-495	236	18	considering	consider	VERB
abrj-495	236	19	the	the	DET
abrj-495	236	20	products	product	NOUN
abrj-495	236	21	or	or	CCONJ
abrj-495	236	22	services	service	NOUN
abrj-495	236	23	offered	offer	VERB
abrj-495	236	24	.	.	PUNCT
abrj-495	237	1	our	our	PRON
abrj-495	237	2	results	result	NOUN
abrj-495	237	3	track	track	VERB
abrj-495	237	4	that	that	DET
abrj-495	237	5	ease	ease	NOUN
abrj-495	237	6	of	of	ADP
abrj-495	237	7	access	access	NOUN
abrj-495	237	8	is	be	AUX
abrj-495	237	9	a	a	DET
abrj-495	237	10	key	key	ADJ
abrj-495	237	11	factor	factor	NOUN
abrj-495	237	12	driving	drive	VERB
abrj-495	237	13	people	people	NOUN
abrj-495	237	14	's	's	PART
abrj-495	237	15	interest	interest	NOUN
abrj-495	237	16	in	in	ADP
abrj-495	237	17	using	use	VERB
abrj-495	237	18	online	online	ADJ
abrj-495	237	19	loan	loan	NOUN
abrj-495	237	20	services	service	NOUN
abrj-495	237	21	.	.	PUNCT
abrj-495	238	1	a	a	DET
abrj-495	238	2	comprehensive	comprehensive	ADJ
abrj-495	238	3	survey	survey	NOUN
abrj-495	238	4	conducted	conduct	VERB
abrj-495	238	5	by	by	ADP
abrj-495	238	6	wang	wang	PROPN
abrj-495	238	7	et	et	PROPN
abrj-495	238	8	al	al	PROPN
abrj-495	238	9	.	.	PROPN
abrj-495	238	10	(	(	PUNCT
abrj-495	238	11	2023	2023	NUM
abrj-495	238	12	)	)	PUNCT
abrj-495	238	13	among	among	ADP
abrj-495	238	14	fintech	fintech	NOUN
abrj-495	238	15	users	user	NOUN
abrj-495	238	16	in	in	ADP
abrj-495	238	17	southeast	southeast	PROPN
abrj-495	238	18	asia	asia	PROPN
abrj-495	238	19	revealed	reveal	VERB
abrj-495	238	20	that	that	SCONJ
abrj-495	238	21	high	high	ADJ
abrj-495	238	22	accessibility	accessibility	NOUN
abrj-495	238	23	,	,	PUNCT
abrj-495	238	24	a	a	DET
abrj-495	238	25	fast	fast	ADJ
abrj-495	238	26	and	and	CCONJ
abrj-495	238	27	straightforward	straightforward	ADJ
abrj-495	238	28	application	application	NOUN
abrj-495	238	29	process	process	NOUN
abrj-495	238	30	,	,	PUNCT
abrj-495	238	31	and	and	CCONJ
abrj-495	238	32	the	the	DET
abrj-495	238	33	flexibility	flexibility	NOUN
abrj-495	238	34	of	of	ADP
abrj-495	238	35	time	time	NOUN
abrj-495	238	36	and	and	CCONJ
abrj-495	238	37	location	location	NOUN
abrj-495	238	38	in	in	ADP
abrj-495	238	39	operating	operate	VERB
abrj-495	238	40	the	the	DET
abrj-495	238	41	service	service	NOUN
abrj-495	238	42	are	be	AUX
abrj-495	238	43	crucial	crucial	ADJ
abrj-495	238	44	in	in	ADP
abrj-495	238	45	shaping	shape	VERB
abrj-495	238	46	consumer	consumer	NOUN
abrj-495	238	47	preferences	preference	NOUN
abrj-495	238	48	for	for	ADP
abrj-495	238	49	online	online	ADJ
abrj-495	238	50	loans	loan	NOUN
abrj-495	238	51	.	.	PUNCT
abrj-495	239	1	consumers	consumer	NOUN
abrj-495	239	2	tend	tend	VERB
abrj-495	239	3	to	to	PART
abrj-495	239	4	favor	favor	VERB
abrj-495	239	5	online	online	ADJ
abrj-495	239	6	loan	loan	NOUN
abrj-495	239	7	platforms	platform	NOUN
abrj-495	239	8	that	that	PRON
abrj-495	239	9	are	be	AUX
abrj-495	239	10	easily	easily	ADV
abrj-495	239	11	accessible	accessible	ADJ
abrj-495	239	12	across	across	ADP
abrj-495	239	13	various	various	ADJ
abrj-495	239	14	devices	device	NOUN
abrj-495	239	15	,	,	PUNCT
abrj-495	239	16	feature	feature	VERB
abrj-495	239	17	rapid	rapid	ADJ
abrj-495	239	18	loan	loan	NOUN
abrj-495	239	19	disbursement	disbursement	NOUN
abrj-495	239	20	procedures	procedure	NOUN
abrj-495	239	21	,	,	PUNCT
abrj-495	239	22	and	and	CCONJ
abrj-495	239	23	offer	offer	VERB
abrj-495	239	24	terms	term	NOUN
abrj-495	239	25	that	that	PRON
abrj-495	239	26	are	be	AUX
abrj-495	239	27	not	not	PART
abrj-495	239	28	burdensome	burdensome	ADJ
abrj-495	239	29	.	.	PUNCT
abrj-495	240	1	a	a	DET
abrj-495	240	2	similar	similar	ADJ
abrj-495	240	3	study	study	NOUN
abrj-495	240	4	by	by	ADP
abrj-495	240	5	lee	lee	PROPN
abrj-495	240	6	et	et	PROPN
abrj-495	240	7	al	al	PROPN
abrj-495	240	8	.	.	PROPN
abrj-495	241	1	(	(	PUNCT
abrj-495	241	2	2024	2024	NUM
abrj-495	241	3	)	)	PUNCT
abrj-495	241	4	further	far	ADV
abrj-495	241	5	supports	support	VERB
abrj-495	241	6	our	our	PRON
abrj-495	241	7	findings	finding	NOUN
abrj-495	241	8	,	,	PUNCT
abrj-495	241	9	highlighting	highlight	VERB
abrj-495	241	10	that	that	DET
abrj-495	241	11	ease	ease	NOUN
abrj-495	241	12	of	of	ADP
abrj-495	241	13	access	access	NOUN
abrj-495	241	14	and	and	CCONJ
abrj-495	241	15	paperless	paperless	NOUN
abrj-495	241	16	processes	process	NOUN
abrj-495	241	17	are	be	AUX
abrj-495	241	18	primary	primary	ADJ
abrj-495	241	19	drivers	driver	NOUN
abrj-495	241	20	of	of	ADP
abrj-495	241	21	consumer	consumer	NOUN
abrj-495	241	22	preferences	preference	NOUN
abrj-495	241	23	for	for	ADP
abrj-495	241	24	online	online	ADJ
abrj-495	241	25	loans	loan	NOUN
abrj-495	241	26	.	.	PUNCT
abrj-495	242	1	consumers	consumer	NOUN
abrj-495	242	2	prefer	prefer	VERB
abrj-495	242	3	platforms	platform	NOUN
abrj-495	242	4	that	that	PRON
abrj-495	242	5	provide	provide	VERB
abrj-495	242	6	convenience	convenience	NOUN
abrj-495	242	7	and	and	CCONJ
abrj-495	242	8	flexibility	flexibility	NOUN
abrj-495	242	9	in	in	ADP
abrj-495	242	10	accessing	access	VERB
abrj-495	242	11	services	service	NOUN
abrj-495	242	12	.	.	PUNCT
abrj-495	243	1	these	these	DET
abrj-495	243	2	findings	finding	NOUN
abrj-495	243	3	offer	offer	VERB
abrj-495	243	4	valuable	valuable	ADJ
abrj-495	243	5	insights	insight	NOUN
abrj-495	243	6	for	for	ADP
abrj-495	243	7	online	online	ADJ
abrj-495	243	8	loan	loan	NOUN
abrj-495	243	9	service	service	NOUN
abrj-495	243	10	providers	provider	NOUN
abrj-495	243	11	seeking	seek	VERB
abrj-495	243	12	to	to	PART
abrj-495	243	13	enhance	enhance	VERB
abrj-495	243	14	consumer	consumer	NOUN
abrj-495	243	15	interest	interest	NOUN
abrj-495	243	16	and	and	CCONJ
abrj-495	243	17	adoption	adoption	NOUN
abrj-495	243	18	.	.	PUNCT
abrj-495	244	1	online	online	ADJ
abrj-495	244	2	loan	loan	NOUN
abrj-495	244	3	platforms	platform	NOUN
abrj-495	244	4	that	that	PRON
abrj-495	244	5	prioritize	prioritize	AUX
abrj-495	244	6	improving	improve	VERB
abrj-495	244	7	accessibility	accessibility	NOUN
abrj-495	244	8	,	,	PUNCT
abrj-495	244	9	processing	processing	NOUN
abrj-495	244	10	speed	speed	NOUN
abrj-495	244	11	,	,	PUNCT
abrj-495	244	12	and	and	CCONJ
abrj-495	244	13	flexibility	flexibility	NOUN
abrj-495	244	14	are	be	AUX
abrj-495	244	15	likely	likely	ADJ
abrj-495	244	16	to	to	PART
abrj-495	244	17	succeed	succeed	VERB
abrj-495	244	18	in	in	ADP
abrj-495	244	19	attracting	attract	VERB
abrj-495	244	20	more	more	ADJ
abrj-495	244	21	users	user	NOUN
abrj-495	244	22	.	.	PUNCT
abrj-495	245	1	recent	recent	ADJ
abrj-495	245	2	efforts	effort	NOUN
abrj-495	245	3	can	can	AUX
abrj-495	245	4	promote	promote	VERB
abrj-495	245	5	sustained	sustained	ADJ
abrj-495	245	6	growth	growth	NOUN
abrj-495	245	7	in	in	ADP
abrj-495	245	8	the	the	DET
abrj-495	245	9	online	online	ADJ
abrj-495	245	10	loan	loan	NOUN
abrj-495	245	11	industry	industry	NOUN
abrj-495	245	12	in	in	ADP
abrj-495	245	13	indonesia	indonesia	PROPN
abrj-495	245	14	.	.	PUNCT
abrj-495	246	1	for	for	ADP
abrj-495	246	2	example	example	NOUN
abrj-495	246	3	,	,	PUNCT
abrj-495	246	4	online	online	ADJ
abrj-495	246	5	loan	loan	NOUN
abrj-495	246	6	platforms	platform	NOUN
abrj-495	246	7	can	can	AUX
abrj-495	246	8	create	create	VERB
abrj-495	246	9	user	user	NOUN
abrj-495	246	10	-	-	PUNCT
abrj-495	246	11	friendly	friendly	ADJ
abrj-495	246	12	and	and	CCONJ
abrj-495	246	13	intuitive	intuitive	ADJ
abrj-495	246	14	interfaces	interface	NOUN
abrj-495	246	15	,	,	PUNCT
abrj-495	246	16	simplifying	simplify	VERB
abrj-495	246	17	the	the	DET
abrj-495	246	18	process	process	NOUN
abrj-495	246	19	for	for	SCONJ
abrj-495	246	20	consumers	consumer	NOUN
abrj-495	246	21	to	to	PART
abrj-495	246	22	apply	apply	VERB
abrj-495	246	23	for	for	ADP
abrj-495	246	24	and	and	CCONJ
abrj-495	246	25	manage	manage	VERB
abrj-495	246	26	their	their	PRON
abrj-495	246	27	loans	loan	NOUN
abrj-495	246	28	.	.	PUNCT
abrj-495	247	1	moreover	moreover	ADV
abrj-495	247	2	,	,	PUNCT
abrj-495	247	3	a	a	DET
abrj-495	247	4	swift	swift	ADJ
abrj-495	247	5	and	and	CCONJ
abrj-495	247	6	efficient	efficient	ADJ
abrj-495	247	7	loan	loan	NOUN
abrj-495	247	8	disbursement	disbursement	NOUN
abrj-495	247	9	process	process	NOUN
abrj-495	247	10	will	will	AUX
abrj-495	247	11	be	be	AUX
abrj-495	247	12	a	a	DET
abrj-495	247	13	significant	significant	ADJ
abrj-495	247	14	advantage	advantage	NOUN
abrj-495	247	15	that	that	SCONJ
abrj-495	247	16	consumers	consumer	NOUN
abrj-495	247	17	will	will	AUX
abrj-495	247	18	highly	highly	ADV
abrj-495	247	19	value	value	VERB
abrj-495	247	20	.	.	PUNCT
abrj-495	248	1	by	by	ADP
abrj-495	248	2	consistently	consistently	ADV
abrj-495	248	3	enhancing	enhance	VERB
abrj-495	248	4	accessibility	accessibility	NOUN
abrj-495	248	5	,	,	PUNCT
abrj-495	248	6	online	online	ADJ
abrj-495	248	7	lenders	lender	NOUN
abrj-495	248	8	can	can	AUX
abrj-495	248	9	broaden	broaden	VERB
abrj-495	248	10	their	their	PRON
abrj-495	248	11	market	market	NOUN
abrj-495	248	12	reach	reach	VERB
abrj-495	248	13	asian	asian	ADJ
abrj-495	248	14	business	business	NOUN
abrj-495	248	15	research	research	NOUN
abrj-495	248	16	journal	journal	NOUN
abrj-495	248	17	,	,	PUNCT
abrj-495	248	18	2025	2025	NUM
abrj-495	248	19	,	,	PUNCT
abrj-495	248	20	10(7	10(7	NUM
abrj-495	248	21	):	):	PUNCT
abrj-495	248	22	50	50	NUM
abrj-495	248	23	-	-	SYM
abrj-495	248	24	59	59	NUM
abrj-495	248	25	56	56	NUM
abrj-495	248	26	©	©	PROPN
abrj-495	248	27	2025	2025	NUM
abrj-495	248	28	by	by	ADP
abrj-495	248	29	the	the	DET
abrj-495	248	30	authors	author	NOUN
abrj-495	248	31	;	;	PUNCT
abrj-495	248	32	licensee	licensee	NOUN
abrj-495	248	33	eastern	eastern	ADJ
abrj-495	248	34	centre	centre	NOUN
abrj-495	248	35	of	of	ADP
abrj-495	248	36	science	science	NOUN
abrj-495	248	37	and	and	CCONJ
abrj-495	248	38	education	education	NOUN
abrj-495	248	39	,	,	PUNCT
abrj-495	248	40	usa	usa	PROPN
abrj-495	248	41	and	and	CCONJ
abrj-495	248	42	increase	increase	VERB
abrj-495	248	43	their	their	PRON
abrj-495	248	44	appeal	appeal	NOUN
abrj-495	248	45	.	.	PUNCT
abrj-495	249	1	5.4	5.4	NUM
abrj-495	249	2	.	.	PUNCT
abrj-495	249	3	impact	impact	NOUN
abrj-495	249	4	of	of	ADP
abrj-495	249	5	trust	trust	NOUN
abrj-495	249	6	on	on	ADP
abrj-495	249	7	interest	interest	NOUN
abrj-495	249	8	in	in	ADP
abrj-495	249	9	online	online	ADJ
abrj-495	249	10	loans	loan	NOUN
abrj-495	249	11	high	high	ADJ
abrj-495	249	12	levels	level	NOUN
abrj-495	249	13	of	of	ADP
abrj-495	249	14	trust	trust	NOUN
abrj-495	249	15	can	can	AUX
abrj-495	249	16	significantly	significantly	ADV
abrj-495	249	17	enhance	enhance	VERB
abrj-495	249	18	interest	interest	NOUN
abrj-495	249	19	in	in	ADP
abrj-495	249	20	online	online	ADJ
abrj-495	249	21	loan	loan	NOUN
abrj-495	249	22	.	.	PUNCT
abrj-495	250	1	trust	trust	NOUN
abrj-495	250	2	plays	play	VERB
abrj-495	250	3	a	a	DET
abrj-495	250	4	important	important	ADJ
abrj-495	250	5	capacity	capacity	NOUN
abrj-495	250	6	in	in	ADP
abrj-495	250	7	an	an	DET
abrj-495	250	8	individual	individual	NOUN
abrj-495	250	9	's	's	PART
abrj-495	250	10	willingness	willingness	NOUN
abrj-495	250	11	to	to	PART
abrj-495	250	12	engage	engage	VERB
abrj-495	250	13	in	in	ADP
abrj-495	250	14	online	online	ADJ
abrj-495	250	15	loan	loan	NOUN
abrj-495	250	16	,	,	PUNCT
abrj-495	250	17	as	as	SCONJ
abrj-495	250	18	this	this	DET
abrj-495	250	19	process	process	NOUN
abrj-495	250	20	involves	involve	VERB
abrj-495	250	21	considerable	considerable	ADJ
abrj-495	250	22	risks	risk	NOUN
abrj-495	250	23	for	for	ADP
abrj-495	250	24	both	both	CCONJ
abrj-495	250	25	the	the	DET
abrj-495	250	26	lender	lender	NOUN
abrj-495	250	27	and	and	CCONJ
abrj-495	250	28	the	the	DET
abrj-495	250	29	borrower	borrower	NOUN
abrj-495	250	30	.	.	PUNCT
abrj-495	251	1	here	here	ADV
abrj-495	251	2	are	be	AUX
abrj-495	251	3	five	five	NUM
abrj-495	251	4	reasons	reason	NOUN
abrj-495	251	5	why	why	SCONJ
abrj-495	251	6	trust	trust	NOUN
abrj-495	251	7	positively	positively	ADV
abrj-495	251	8	influences	influence	VERB
abrj-495	251	9	interest	interest	NOUN
abrj-495	251	10	in	in	ADP
abrj-495	251	11	online	online	ADJ
abrj-495	251	12	loan	loan	NOUN
abrj-495	251	13	.	.	PUNCT
abrj-495	252	1	first	first	ADV
abrj-495	252	2	,	,	PUNCT
abrj-495	252	3	digital	digital	ADJ
abrj-495	252	4	transactions	transaction	NOUN
abrj-495	252	5	are	be	AUX
abrj-495	252	6	susceptible	susceptible	ADJ
abrj-495	252	7	to	to	ADP
abrj-495	252	8	fraud	fraud	NOUN
abrj-495	252	9	.	.	PUNCT
abrj-495	253	1	numerous	numerous	ADJ
abrj-495	253	2	cases	case	NOUN
abrj-495	253	3	of	of	ADP
abrj-495	253	4	fraud	fraud	NOUN
abrj-495	253	5	exist	exist	VERB
abrj-495	253	6	in	in	ADP
abrj-495	253	7	the	the	DET
abrj-495	253	8	digital	digital	ADJ
abrj-495	253	9	realm	realm	NOUN
abrj-495	253	10	,	,	PUNCT
abrj-495	253	11	including	include	VERB
abrj-495	253	12	fictitious	fictitious	ADJ
abrj-495	253	13	loans	loan	NOUN
abrj-495	253	14	,	,	PUNCT
abrj-495	253	15	hidden	hide	VERB
abrj-495	253	16	fees	fee	NOUN
abrj-495	253	17	,	,	PUNCT
abrj-495	253	18	and	and	CCONJ
abrj-495	253	19	the	the	DET
abrj-495	253	20	misuse	misuse	NOUN
abrj-495	253	21	of	of	ADP
abrj-495	253	22	personal	personal	ADJ
abrj-495	253	23	information	information	NOUN
abrj-495	253	24	.	.	PUNCT
abrj-495	254	1	the	the	DET
abrj-495	254	2	uncertainty	uncertainty	NOUN
abrj-495	254	3	surrounding	surround	VERB
abrj-495	254	4	identity	identity	NOUN
abrj-495	254	5	,	,	PUNCT
abrj-495	254	6	exacerbated	exacerbate	VERB
abrj-495	254	7	by	by	ADP
abrj-495	254	8	the	the	DET
abrj-495	254	9	lack	lack	NOUN
abrj-495	254	10	of	of	ADP
abrj-495	254	11	direct	direct	ADJ
abrj-495	254	12	contact	contact	NOUN
abrj-495	254	13	,	,	PUNCT
abrj-495	254	14	compels	compel	VERB
abrj-495	254	15	users	user	NOUN
abrj-495	254	16	to	to	PART
abrj-495	254	17	rely	rely	VERB
abrj-495	254	18	on	on	ADP
abrj-495	254	19	the	the	DET
abrj-495	254	20	information	information	NOUN
abrj-495	254	21	available	available	ADJ
abrj-495	254	22	online	online	ADV
abrj-495	254	23	.	.	PUNCT
abrj-495	255	1	hence	hence	ADV
abrj-495	255	2	,	,	PUNCT
abrj-495	255	3	trust	trust	NOUN
abrj-495	255	4	serves	serve	VERB
abrj-495	255	5	as	as	ADP
abrj-495	255	6	a	a	DET
abrj-495	255	7	critical	critical	ADJ
abrj-495	255	8	filter	filter	NOUN
abrj-495	255	9	for	for	ADP
abrj-495	255	10	potential	potential	ADJ
abrj-495	255	11	borrowers	borrower	NOUN
abrj-495	255	12	when	when	SCONJ
abrj-495	255	13	evaluating	evaluate	VERB
abrj-495	255	14	the	the	DET
abrj-495	255	15	safety	safety	NOUN
abrj-495	255	16	and	and	CCONJ
abrj-495	255	17	credibility	credibility	NOUN
abrj-495	255	18	of	of	ADP
abrj-495	255	19	a	a	DET
abrj-495	255	20	loan	loan	NOUN
abrj-495	255	21	platform	platform	NOUN
abrj-495	255	22	.	.	PUNCT
abrj-495	256	1	second	second	ADJ
abrj-495	256	2	,	,	PUNCT
abrj-495	256	3	the	the	DET
abrj-495	256	4	protection	protection	NOUN
abrj-495	256	5	of	of	ADP
abrj-495	256	6	personal	personal	ADJ
abrj-495	256	7	data	datum	NOUN
abrj-495	256	8	is	be	AUX
abrj-495	256	9	paramount	paramount	ADJ
abrj-495	256	10	.	.	PUNCT
abrj-495	257	1	online	online	ADJ
abrj-495	257	2	loan	loan	NOUN
abrj-495	257	3	requires	require	VERB
abrj-495	257	4	the	the	DET
abrj-495	257	5	submission	submission	NOUN
abrj-495	257	6	of	of	ADP
abrj-495	257	7	sensitive	sensitive	ADJ
abrj-495	257	8	information	information	NOUN
abrj-495	257	9	,	,	PUNCT
abrj-495	257	10	which	which	PRON
abrj-495	257	11	raises	raise	VERB
abrj-495	257	12	privacy	privacy	NOUN
abrj-495	257	13	concerns	concern	NOUN
abrj-495	257	14	.	.	PUNCT
abrj-495	258	1	a	a	DET
abrj-495	258	2	user	user	NOUN
abrj-495	258	3	's	's	PART
abrj-495	258	4	trust	trust	NOUN
abrj-495	258	5	in	in	ADP
abrj-495	258	6	data	datum	NOUN
abrj-495	258	7	security	security	NOUN
abrj-495	258	8	will	will	AUX
abrj-495	258	9	significantly	significantly	ADV
abrj-495	258	10	influence	influence	VERB
abrj-495	258	11	their	their	PRON
abrj-495	258	12	willingness	willingness	NOUN
abrj-495	258	13	to	to	PART
abrj-495	258	14	share	share	VERB
abrj-495	258	15	such	such	ADJ
abrj-495	258	16	information	information	NOUN
abrj-495	258	17	.	.	PUNCT
abrj-495	259	1	third	third	ADJ
abrj-495	259	2	,	,	PUNCT
abrj-495	259	3	the	the	DET
abrj-495	259	4	transparency	transparency	NOUN
abrj-495	259	5	and	and	CCONJ
abrj-495	259	6	reputation	reputation	NOUN
abrj-495	259	7	of	of	ADP
abrj-495	259	8	the	the	DET
abrj-495	259	9	platform	platform	NOUN
abrj-495	259	10	are	be	AUX
abrj-495	259	11	vital	vital	ADJ
abrj-495	259	12	.	.	PUNCT
abrj-495	260	1	users	user	NOUN
abrj-495	260	2	are	be	AUX
abrj-495	260	3	more	more	ADV
abrj-495	260	4	likely	likely	ADJ
abrj-495	260	5	to	to	PART
abrj-495	260	6	trust	trust	VERB
abrj-495	260	7	and	and	CCONJ
abrj-495	260	8	engage	engage	VERB
abrj-495	260	9	with	with	ADP
abrj-495	260	10	a	a	DET
abrj-495	260	11	platform	platform	NOUN
abrj-495	260	12	that	that	PRON
abrj-495	260	13	can	can	AUX
abrj-495	260	14	clearly	clearly	ADV
abrj-495	260	15	articulate	articulate	VERB
abrj-495	260	16	its	its	PRON
abrj-495	260	17	interest	interest	NOUN
abrj-495	260	18	rates	rate	NOUN
abrj-495	260	19	,	,	PUNCT
abrj-495	260	20	loan	loan	NOUN
abrj-495	260	21	tenors	tenor	NOUN
abrj-495	260	22	,	,	PUNCT
abrj-495	260	23	and	and	CCONJ
abrj-495	260	24	penalties	penalty	NOUN
abrj-495	260	25	.	.	PUNCT
abrj-495	261	1	a	a	DET
abrj-495	261	2	strong	strong	ADJ
abrj-495	261	3	reputation	reputation	NOUN
abrj-495	261	4	,	,	PUNCT
abrj-495	261	5	bolstered	bolster	VERB
abrj-495	261	6	by	by	ADP
abrj-495	261	7	positive	positive	ADJ
abrj-495	261	8	reviews	review	NOUN
abrj-495	261	9	and	and	CCONJ
abrj-495	261	10	recommendations	recommendation	NOUN
abrj-495	261	11	from	from	ADP
abrj-495	261	12	other	other	ADJ
abrj-495	261	13	users	user	NOUN
abrj-495	261	14	,	,	PUNCT
abrj-495	261	15	as	as	ADV
abrj-495	261	16	well	well	ADV
abrj-495	261	17	as	as	ADP
abrj-495	261	18	official	official	ADJ
abrj-495	261	19	registration	registration	NOUN
abrj-495	261	20	with	with	ADP
abrj-495	261	21	a	a	DET
abrj-495	261	22	government	government	NOUN
abrj-495	261	23	banking	banking	NOUN
abrj-495	261	24	institution	institution	NOUN
abrj-495	261	25	,	,	PUNCT
abrj-495	261	26	enhances	enhance	VERB
abrj-495	261	27	user	user	NOUN
abrj-495	261	28	confidence	confidence	NOUN
abrj-495	261	29	.	.	PUNCT
abrj-495	262	1	the	the	DET
abrj-495	262	2	more	more	ADV
abrj-495	262	3	transparent	transparent	ADJ
abrj-495	262	4	and	and	CCONJ
abrj-495	262	5	regulated	regulate	VERB
abrj-495	262	6	a	a	DET
abrj-495	262	7	platform	platform	NOUN
abrj-495	262	8	is	be	AUX
abrj-495	262	9	,	,	PUNCT
abrj-495	262	10	the	the	PRON
abrj-495	262	11	greater	great	ADJ
abrj-495	262	12	the	the	DET
abrj-495	262	13	trust	trust	NOUN
abrj-495	262	14	and	and	CCONJ
abrj-495	262	15	interest	interest	NOUN
abrj-495	262	16	it	it	PRON
abrj-495	262	17	will	will	AUX
abrj-495	262	18	generate	generate	VERB
abrj-495	262	19	among	among	ADP
abrj-495	262	20	users	user	NOUN
abrj-495	262	21	.	.	PUNCT
abrj-495	263	1	fourth	fourth	ADJ
abrj-495	263	2	,	,	PUNCT
abrj-495	263	3	the	the	DET
abrj-495	263	4	ease	ease	NOUN
abrj-495	263	5	and	and	CCONJ
abrj-495	263	6	certainty	certainty	NOUN
abrj-495	263	7	of	of	ADP
abrj-495	263	8	the	the	DET
abrj-495	263	9	application	application	NOUN
abrj-495	263	10	process	process	NOUN
abrj-495	263	11	play	play	VERB
abrj-495	263	12	a	a	DET
abrj-495	263	13	impressive	impressive	ADJ
abrj-495	263	14	role	role	NOUN
abrj-495	263	15	.	.	PUNCT
abrj-495	264	1	potential	potential	ADJ
abrj-495	264	2	borrowers	borrower	NOUN
abrj-495	264	3	are	be	AUX
abrj-495	264	4	more	more	ADV
abrj-495	264	5	inclined	inclined	ADJ
abrj-495	264	6	to	to	PART
abrj-495	264	7	engage	engage	VERB
abrj-495	264	8	if	if	SCONJ
abrj-495	264	9	they	they	PRON
abrj-495	264	10	perceive	perceive	VERB
abrj-495	264	11	the	the	DET
abrj-495	264	12	application	application	NOUN
abrj-495	264	13	process	process	NOUN
abrj-495	264	14	as	as	ADP
abrj-495	264	15	swift	swift	ADJ
abrj-495	264	16	and	and	CCONJ
abrj-495	264	17	straightforward	straightforward	ADJ
abrj-495	264	18	,	,	PUNCT
abrj-495	264	19	with	with	ADP
abrj-495	264	20	timely	timely	ADJ
abrj-495	264	21	disbursement	disbursement	NOUN
abrj-495	264	22	of	of	ADP
abrj-495	264	23	funds	fund	NOUN
abrj-495	264	24	as	as	SCONJ
abrj-495	264	25	promised	promise	VERB
abrj-495	264	26	,	,	PUNCT
abrj-495	264	27	and	and	CCONJ
abrj-495	264	28	no	no	DET
abrj-495	264	29	hidden	hidden	ADJ
abrj-495	264	30	fees	fee	NOUN
abrj-495	264	31	.	.	PUNCT
abrj-495	265	1	confidence	confidence	NOUN
abrj-495	265	2	in	in	ADP
abrj-495	265	3	a	a	DET
abrj-495	265	4	fair	fair	ADJ
abrj-495	265	5	and	and	CCONJ
abrj-495	265	6	reliable	reliable	ADJ
abrj-495	265	7	process	process	NOUN
abrj-495	265	8	increases	increase	VERB
abrj-495	265	9	the	the	DET
abrj-495	265	10	likelihood	likelihood	NOUN
abrj-495	265	11	of	of	ADP
abrj-495	265	12	borrowing	borrowing	NOUN
abrj-495	265	13	.	.	PUNCT
abrj-495	266	1	fifth	fifth	ADJ
abrj-495	266	2	,	,	PUNCT
abrj-495	266	3	social	social	ADJ
abrj-495	266	4	influence	influence	NOUN
abrj-495	266	5	and	and	CCONJ
abrj-495	266	6	testimonials	testimonial	NOUN
abrj-495	266	7	are	be	AUX
abrj-495	266	8	important	important	ADJ
abrj-495	266	9	pillars	pillar	NOUN
abrj-495	266	10	.	.	PUNCT
abrj-495	267	1	recommendations	recommendation	NOUN
abrj-495	267	2	from	from	ADP
abrj-495	267	3	friends	friend	NOUN
abrj-495	267	4	or	or	CCONJ
abrj-495	267	5	positive	positive	ADJ
abrj-495	267	6	online	online	ADJ
abrj-495	267	7	reviews	review	NOUN
abrj-495	267	8	contribute	contribute	VERB
abrj-495	267	9	to	to	ADP
abrj-495	267	10	building	build	VERB
abrj-495	267	11	trust	trust	NOUN
abrj-495	267	12	.	.	PUNCT
abrj-495	268	1	individuals	individual	NOUN
abrj-495	268	2	often	often	ADV
abrj-495	268	3	follow	follow	VERB
abrj-495	268	4	the	the	DET
abrj-495	268	5	experiences	experience	NOUN
abrj-495	268	6	of	of	ADP
abrj-495	268	7	others	other	NOUN
abrj-495	268	8	who	who	PRON
abrj-495	268	9	have	have	AUX
abrj-495	268	10	successfully	successfully	ADV
abrj-495	268	11	navigated	navigate	VERB
abrj-495	268	12	the	the	DET
abrj-495	268	13	borrowing	borrowing	NOUN
abrj-495	268	14	process	process	NOUN
abrj-495	268	15	without	without	ADP
abrj-495	268	16	problems	problem	NOUN
abrj-495	268	17	.	.	PUNCT
abrj-495	269	1	trust	trust	NOUN
abrj-495	269	2	is	be	AUX
abrj-495	269	3	a	a	DET
abrj-495	269	4	fundamental	fundamental	ADJ
abrj-495	269	5	element	element	NOUN
abrj-495	269	6	in	in	ADP
abrj-495	269	7	online	online	ADJ
abrj-495	269	8	loan	loan	NOUN
abrj-495	269	9	,	,	PUNCT
abrj-495	269	10	as	as	SCONJ
abrj-495	269	11	it	it	PRON
abrj-495	269	12	encompasses	encompass	VERB
abrj-495	269	13	financial	financial	ADJ
abrj-495	269	14	risk	risk	NOUN
abrj-495	269	15	and	and	CCONJ
abrj-495	269	16	data	datum	NOUN
abrj-495	269	17	security	security	NOUN
abrj-495	269	18	.	.	PUNCT
abrj-495	270	1	without	without	ADP
abrj-495	270	2	trust	trust	NOUN
abrj-495	270	3	,	,	PUNCT
abrj-495	270	4	user	user	NOUN
abrj-495	270	5	interest	interest	NOUN
abrj-495	270	6	will	will	AUX
abrj-495	270	7	remain	remain	VERB
abrj-495	270	8	low	low	ADJ
abrj-495	270	9	,	,	PUNCT
abrj-495	270	10	regardless	regardless	ADV
abrj-495	270	11	of	of	ADP
abrj-495	270	12	the	the	DET
abrj-495	270	13	speed	speed	NOUN
abrj-495	270	14	of	of	ADP
abrj-495	270	15	the	the	DET
abrj-495	270	16	process	process	NOUN
abrj-495	270	17	or	or	CCONJ
abrj-495	270	18	the	the	DET
abrj-495	270	19	attractiveness	attractiveness	NOUN
abrj-495	270	20	of	of	ADP
abrj-495	270	21	the	the	DET
abrj-495	270	22	interest	interest	NOUN
abrj-495	270	23	rates	rate	NOUN
abrj-495	270	24	.	.	PUNCT
abrj-495	271	1	in	in	ADP
abrj-495	271	2	china	china	PROPN
abrj-495	271	3	,	,	PUNCT
abrj-495	271	4	trust	trust	NOUN
abrj-495	271	5	in	in	ADP
abrj-495	271	6	trading	trading	NOUN
abrj-495	271	7	is	be	AUX
abrj-495	271	8	a	a	DET
abrj-495	271	9	key	key	ADJ
abrj-495	271	10	element	element	NOUN
abrj-495	271	11	influencing	influence	VERB
abrj-495	271	12	interest	interest	NOUN
abrj-495	271	13	in	in	ADP
abrj-495	271	14	online	online	ADJ
abrj-495	271	15	loans	loan	NOUN
abrj-495	271	16	.	.	PUNCT
abrj-495	272	1	the	the	DET
abrj-495	272	2	reputation	reputation	NOUN
abrj-495	272	3	of	of	ADP
abrj-495	272	4	borrowers	borrower	NOUN
abrj-495	272	5	,	,	PUNCT
abrj-495	272	6	as	as	SCONJ
abrj-495	272	7	conveyed	convey	VERB
abrj-495	272	8	through	through	ADP
abrj-495	272	9	social	social	ADJ
abrj-495	272	10	networks	network	NOUN
abrj-495	272	11	,	,	PUNCT
abrj-495	272	12	significantly	significantly	ADV
abrj-495	272	13	impacts	impact	VERB
abrj-495	272	14	perceptions	perception	NOUN
abrj-495	272	15	of	of	ADP
abrj-495	272	16	information	information	NOUN
abrj-495	272	17	asymmetry	asymmetry	NOUN
abrj-495	272	18	and	and	CCONJ
abrj-495	272	19	trustworthiness	trustworthiness	NOUN
abrj-495	272	20	.	.	PUNCT
abrj-495	273	1	meanwhile	meanwhile	ADV
abrj-495	273	2	,	,	PUNCT
abrj-495	273	3	the	the	DET
abrj-495	273	4	integrity	integrity	NOUN
abrj-495	273	5	of	of	ADP
abrj-495	273	6	honest	honest	ADJ
abrj-495	273	7	and	and	CCONJ
abrj-495	273	8	complete	complete	ADJ
abrj-495	273	9	information	information	NOUN
abrj-495	273	10	positively	positively	ADV
abrj-495	273	11	enhances	enhance	VERB
abrj-495	273	12	trust	trust	NOUN
abrj-495	273	13	(	(	PUNCT
abrj-495	273	14	wang	wang	PROPN
abrj-495	273	15	et	et	PROPN
abrj-495	273	16	al	al	PROPN
abrj-495	273	17	.	.	PROPN
abrj-495	273	18	,	,	PUNCT
abrj-495	273	19	2015	2015	NUM
abrj-495	273	20	)	)	PUNCT
abrj-495	273	21	.	.	PUNCT
abrj-495	274	1	speaking	speak	VERB
abrj-495	274	2	of	of	ADP
abrj-495	274	3	major	major	ADJ
abrj-495	274	4	cities	city	NOUN
abrj-495	274	5	across	across	ADP
abrj-495	274	6	china	china	PROPN
abrj-495	274	7	,	,	PUNCT
abrj-495	274	8	chen	chen	PROPN
abrj-495	274	9	et	et	PROPN
abrj-495	274	10	al	al	PROPN
abrj-495	274	11	.	.	PROPN
abrj-495	274	12	(	(	PUNCT
abrj-495	274	13	2015	2015	NUM
abrj-495	274	14	)	)	PUNCT
abrj-495	274	15	identified	identify	VERB
abrj-495	274	16	similar	similar	ADJ
abrj-495	274	17	variables	variable	NOUN
abrj-495	274	18	:	:	PUNCT
abrj-495	274	19	ease	ease	NOUN
abrj-495	274	20	of	of	ADP
abrj-495	274	21	use	use	NOUN
abrj-495	274	22	,	,	PUNCT
abrj-495	274	23	perceived	perceive	VERB
abrj-495	274	24	risk	risk	NOUN
abrj-495	274	25	,	,	PUNCT
abrj-495	274	26	and	and	CCONJ
abrj-495	274	27	trust	trust	NOUN
abrj-495	274	28	all	all	PRON
abrj-495	274	29	significantly	significantly	ADV
abrj-495	274	30	affect	affect	VERB
abrj-495	274	31	interest	interest	NOUN
abrj-495	274	32	in	in	ADP
abrj-495	274	33	utilizing	utilize	VERB
abrj-495	274	34	peer	peer	NOUN
abrj-495	274	35	-	-	PUNCT
abrj-495	274	36	to	to	ADP
abrj-495	274	37	-	-	PUNCT
abrj-495	274	38	peer	peer	NOUN
abrj-495	274	39	(	(	PUNCT
abrj-495	274	40	p2p	p2p	NOUN
abrj-495	274	41	)	)	PUNCT
abrj-495	274	42	loan	loan	NOUN
abrj-495	274	43	.	.	PUNCT
abrj-495	275	1	utilizing	utilize	VERB
abrj-495	275	2	structural	structural	ADJ
abrj-495	275	3	equation	equation	NOUN
abrj-495	275	4	modeling	modeling	NOUN
abrj-495	275	5	(	(	PUNCT
abrj-495	275	6	sem	sem	NOUN
abrj-495	275	7	)	)	PUNCT
abrj-495	275	8	,	,	PUNCT
abrj-495	275	9	zhao	zhao	PROPN
abrj-495	275	10	et	et	PROPN
abrj-495	275	11	al	al	PROPN
abrj-495	275	12	.	.	PROPN
abrj-495	276	1	(	(	PUNCT
abrj-495	276	2	2024	2024	NUM
abrj-495	276	3	)	)	PUNCT
abrj-495	276	4	concluded	conclude	VERB
abrj-495	276	5	that	that	SCONJ
abrj-495	276	6	consumer	consumer	NOUN
abrj-495	276	7	trust	trust	NOUN
abrj-495	276	8	in	in	ADP
abrj-495	276	9	fintech	fintech	NOUN
abrj-495	276	10	is	be	AUX
abrj-495	276	11	the	the	DET
abrj-495	276	12	most	most	ADV
abrj-495	276	13	dominant	dominant	ADJ
abrj-495	276	14	predictor	predictor	NOUN
abrj-495	276	15	of	of	ADP
abrj-495	276	16	the	the	DET
abrj-495	276	17	intention	intention	NOUN
abrj-495	276	18	to	to	PART
abrj-495	276	19	use	use	VERB
abrj-495	276	20	digital	digital	ADJ
abrj-495	276	21	financial	financial	ADJ
abrj-495	276	22	services	service	NOUN
abrj-495	276	23	in	in	ADP
abrj-495	276	24	pakistan	pakistan	PROPN
abrj-495	276	25	.	.	PUNCT
abrj-495	277	1	5.5	5.5	NUM
abrj-495	277	2	.	.	PUNCT
abrj-495	277	3	impact	impact	NOUN
abrj-495	277	4	of	of	ADP
abrj-495	277	5	financial	financial	ADJ
abrj-495	277	6	literacy	literacy	NOUN
abrj-495	277	7	,	,	PUNCT
abrj-495	277	8	consumer	consumer	NOUN
abrj-495	277	9	awareness	awareness	NOUN
abrj-495	277	10	,	,	PUNCT
abrj-495	277	11	and	and	CCONJ
abrj-495	277	12	ease	ease	NOUN
abrj-495	277	13	of	of	ADP
abrj-495	277	14	access	access	NOUN
abrj-495	277	15	on	on	ADP
abrj-495	277	16	interest	interest	NOUN
abrj-495	277	17	in	in	ADP
abrj-495	277	18	online	online	ADJ
abrj-495	277	19	loans	loan	NOUN
abrj-495	277	20	through	through	ADP
abrj-495	277	21	trust	trust	NOUN
abrj-495	277	22	the	the	DET
abrj-495	277	23	mediating	mediate	VERB
abrj-495	277	24	role	role	NOUN
abrj-495	277	25	of	of	ADP
abrj-495	277	26	trust	trust	NOUN
abrj-495	277	27	is	be	AUX
abrj-495	277	28	essential	essential	ADJ
abrj-495	277	29	justification	justification	NOUN
abrj-495	277	30	for	for	ADP
abrj-495	277	31	understanding	understand	VERB
abrj-495	277	32	the	the	DET
abrj-495	277	33	dynamics	dynamic	NOUN
abrj-495	277	34	of	of	ADP
abrj-495	277	35	online	online	ADJ
abrj-495	277	36	loan	loan	NOUN
abrj-495	277	37	adoption	adoption	NOUN
abrj-495	277	38	.	.	PUNCT
abrj-495	278	1	the	the	DET
abrj-495	278	2	findings	finding	NOUN
abrj-495	278	3	detect	detect	VERB
abrj-495	278	4	that	that	PRON
abrj-495	278	5	factors	factor	VERB
abrj-495	278	6	such	such	ADJ
abrj-495	278	7	as	as	ADP
abrj-495	278	8	financial	financial	ADJ
abrj-495	278	9	literacy	literacy	NOUN
abrj-495	278	10	,	,	PUNCT
abrj-495	278	11	consumer	consumer	NOUN
abrj-495	278	12	awareness	awareness	NOUN
abrj-495	278	13	,	,	PUNCT
abrj-495	278	14	and	and	CCONJ
abrj-495	278	15	ease	ease	NOUN
abrj-495	278	16	of	of	ADP
abrj-495	278	17	access	access	NOUN
abrj-495	278	18	not	not	PART
abrj-495	278	19	only	only	ADV
abrj-495	278	20	exert	exert	VERB
abrj-495	278	21	a	a	DET
abrj-495	278	22	direct	direct	ADJ
abrj-495	278	23	influence	influence	NOUN
abrj-495	278	24	but	but	CCONJ
abrj-495	278	25	also	also	ADV
abrj-495	278	26	an	an	DET
abrj-495	278	27	indirect	indirect	ADJ
abrj-495	278	28	influence	influence	NOUN
abrj-495	278	29	on	on	ADP
abrj-495	278	30	interest	interest	NOUN
abrj-495	278	31	in	in	ADP
abrj-495	278	32	online	online	ADJ
abrj-495	278	33	loan	loan	NOUN
abrj-495	278	34	through	through	ADP
abrj-495	278	35	trust	trust	NOUN
abrj-495	278	36	as	as	ADP
abrj-495	278	37	a	a	DET
abrj-495	278	38	mediating	mediate	VERB
abrj-495	278	39	variable	variable	NOUN
abrj-495	278	40	.	.	PUNCT
abrj-495	279	1	therefore	therefore	ADV
abrj-495	279	2	,	,	PUNCT
abrj-495	279	3	when	when	SCONJ
abrj-495	279	4	designing	design	VERB
abrj-495	279	5	marketing	marketing	NOUN
abrj-495	279	6	strategies	strategy	NOUN
abrj-495	279	7	and	and	CCONJ
abrj-495	279	8	policies	policy	NOUN
abrj-495	279	9	,	,	PUNCT
abrj-495	279	10	online	online	ADJ
abrj-495	279	11	loan	loan	NOUN
abrj-495	279	12	service	service	NOUN
abrj-495	279	13	providers	provider	NOUN
abrj-495	279	14	must	must	AUX
abrj-495	279	15	prioritize	prioritize	VERB
abrj-495	279	16	building	build	VERB
abrj-495	279	17	consumer	consumer	NOUN
abrj-495	279	18	trust	trust	NOUN
abrj-495	279	19	as	as	ADP
abrj-495	279	20	a	a	DET
abrj-495	279	21	key	key	ADJ
abrj-495	279	22	factor	factor	NOUN
abrj-495	279	23	in	in	ADP
abrj-495	279	24	enhancing	enhance	VERB
abrj-495	279	25	interest	interest	NOUN
abrj-495	279	26	in	in	ADP
abrj-495	279	27	their	their	PRON
abrj-495	279	28	services	service	NOUN
abrj-495	279	29	.	.	PUNCT
abrj-495	280	1	overall	overall	ADV
abrj-495	280	2	,	,	PUNCT
abrj-495	280	3	the	the	DET
abrj-495	280	4	effects	effect	NOUN
abrj-495	280	5	of	of	ADP
abrj-495	280	6	the	the	DET
abrj-495	280	7	mediation	mediation	NOUN
abrj-495	280	8	pathway	pathway	NOUN
abrj-495	280	9	offer	offer	VERB
abrj-495	280	10	significant	significant	ADJ
abrj-495	280	11	empirical	empirical	ADJ
abrj-495	280	12	insights	insight	NOUN
abrj-495	280	13	into	into	ADP
abrj-495	280	14	the	the	DET
abrj-495	280	15	attributes	attribute	NOUN
abrj-495	280	16	that	that	PRON
abrj-495	280	17	motivate	motivate	VERB
abrj-495	280	18	consumers	consumer	NOUN
abrj-495	280	19	to	to	PART
abrj-495	280	20	adopt	adopt	VERB
abrj-495	280	21	online	online	ADJ
abrj-495	280	22	loan	loan	NOUN
abrj-495	280	23	.	.	PUNCT
abrj-495	281	1	the	the	DET
abrj-495	281	2	facts	fact	NOUN
abrj-495	281	3	from	from	ADP
abrj-495	281	4	a	a	DET
abrj-495	281	5	series	series	NOUN
abrj-495	281	6	of	of	ADP
abrj-495	281	7	statistical	statistical	ADJ
abrj-495	281	8	tests	test	NOUN
abrj-495	281	9	can	can	AUX
abrj-495	281	10	serve	serve	VERB
abrj-495	281	11	as	as	ADP
abrj-495	281	12	a	a	DET
abrj-495	281	13	valuable	valuable	ADJ
abrj-495	281	14	reference	reference	NOUN
abrj-495	281	15	for	for	ADP
abrj-495	281	16	practitioners	practitioner	NOUN
abrj-495	281	17	and	and	CCONJ
abrj-495	281	18	policymakers	policymaker	NOUN
abrj-495	281	19	in	in	ADP
abrj-495	281	20	the	the	DET
abrj-495	281	21	fintech	fintech	NOUN
abrj-495	281	22	industry	industry	NOUN
abrj-495	281	23	,	,	PUNCT
abrj-495	281	24	aiding	aid	VERB
abrj-495	281	25	in	in	ADP
abrj-495	281	26	the	the	DET
abrj-495	281	27	development	development	NOUN
abrj-495	281	28	of	of	ADP
abrj-495	281	29	effective	effective	ADJ
abrj-495	281	30	strategies	strategy	NOUN
abrj-495	281	31	to	to	PART
abrj-495	281	32	promote	promote	VERB
abrj-495	281	33	financial	financial	ADJ
abrj-495	281	34	inclusion	inclusion	NOUN
abrj-495	281	35	through	through	ADP
abrj-495	281	36	online	online	ADJ
abrj-495	281	37	loan	loan	NOUN
abrj-495	281	38	services	service	NOUN
abrj-495	281	39	.	.	PUNCT
abrj-495	282	1	the	the	DET
abrj-495	282	2	results	result	NOUN
abrj-495	282	3	of	of	ADP
abrj-495	282	4	the	the	DET
abrj-495	282	5	existing	exist	VERB
abrj-495	282	6	research	research	NOUN
abrj-495	282	7	in	in	ADP
abrj-495	282	8	line	line	NOUN
abrj-495	282	9	with	with	ADP
abrj-495	282	10	the	the	DET
abrj-495	282	11	findings	finding	NOUN
abrj-495	282	12	of	of	ADP
abrj-495	282	13	huda	huda	PROPN
abrj-495	282	14	et	et	PROPN
abrj-495	282	15	al	al	PROPN
abrj-495	282	16	.	.	PROPN
abrj-495	282	17	(	(	PUNCT
abrj-495	282	18	2024	2024	NUM
abrj-495	282	19	)	)	PUNCT
abrj-495	282	20	,	,	PUNCT
abrj-495	282	21	which	which	PRON
abrj-495	282	22	indicate	indicate	VERB
abrj-495	282	23	that	that	SCONJ
abrj-495	282	24	heightened	heighten	VERB
abrj-495	282	25	consumer	consumer	NOUN
abrj-495	282	26	awareness	awareness	NOUN
abrj-495	282	27	of	of	ADP
abrj-495	282	28	the	the	DET
abrj-495	282	29	benefits	benefit	NOUN
abrj-495	282	30	and	and	CCONJ
abrj-495	282	31	risks	risk	NOUN
abrj-495	282	32	associated	associate	VERB
abrj-495	282	33	with	with	ADP
abrj-495	282	34	online	online	ADJ
abrj-495	282	35	loan	loan	NOUN
abrj-495	282	36	fosters	foster	VERB
abrj-495	282	37	a	a	DET
abrj-495	282	38	more	more	ADV
abrj-495	282	39	trusting	trust	VERB
abrj-495	282	40	environment	environment	NOUN
abrj-495	282	41	,	,	PUNCT
abrj-495	282	42	thereby	thereby	ADV
abrj-495	282	43	encouraging	encourage	VERB
abrj-495	282	44	adoption	adoption	NOUN
abrj-495	282	45	.	.	PUNCT
abrj-495	283	1	moreover	moreover	ADV
abrj-495	283	2	,	,	PUNCT
abrj-495	283	3	rahmawati	rahmawati	NOUN
abrj-495	283	4	and	and	CCONJ
abrj-495	283	5	ramli	ramli	PROPN
abrj-495	283	6	(	(	PUNCT
abrj-495	283	7	2024	2024	NUM
abrj-495	283	8	)	)	PUNCT
abrj-495	283	9	and	and	CCONJ
abrj-495	283	10	solihati	solihati	PROPN
abrj-495	283	11	et	et	PROPN
abrj-495	283	12	al	al	PROPN
abrj-495	283	13	.	.	PROPN
abrj-495	284	1	(	(	PUNCT
abrj-495	284	2	2025	2025	NUM
abrj-495	284	3	)	)	PUNCT
abrj-495	284	4	assert	assert	VERB
abrj-495	284	5	that	that	DET
abrj-495	284	6	ease	ease	NOUN
abrj-495	284	7	of	of	ADP
abrj-495	284	8	access	access	NOUN
abrj-495	284	9	,	,	PUNCT
abrj-495	284	10	combined	combine	VERB
abrj-495	284	11	with	with	ADP
abrj-495	284	12	trust	trust	NOUN
abrj-495	284	13	,	,	PUNCT
abrj-495	284	14	enhances	enhance	VERB
abrj-495	284	15	user	user	NOUN
abrj-495	284	16	satisfaction	satisfaction	NOUN
abrj-495	284	17	and	and	CCONJ
abrj-495	284	18	promotes	promote	VERB
abrj-495	284	19	repeat	repeat	NOUN
abrj-495	284	20	usage	usage	NOUN
abrj-495	284	21	.	.	PUNCT
abrj-495	285	1	as	as	ADV
abrj-495	285	2	well	well	ADV
abrj-495	285	3	,	,	PUNCT
abrj-495	285	4	a	a	DET
abrj-495	285	5	manuscript	manuscript	NOUN
abrj-495	285	6	by	by	ADP
abrj-495	285	7	abbas	abbas	PROPN
abrj-495	285	8	and	and	CCONJ
abrj-495	285	9	khan	khan	PROPN
abrj-495	285	10	(	(	PUNCT
abrj-495	285	11	2024	2024	NUM
abrj-495	285	12	)	)	PUNCT
abrj-495	285	13	claims	claim	VERB
abrj-495	285	14	that	that	SCONJ
abrj-495	285	15	establishing	establish	VERB
abrj-495	285	16	trust	trust	NOUN
abrj-495	285	17	through	through	ADP
abrj-495	285	18	transparent	transparent	ADJ
abrj-495	285	19	practices	practice	NOUN
abrj-495	285	20	and	and	CCONJ
abrj-495	285	21	robust	robust	ADJ
abrj-495	285	22	security	security	NOUN
abrj-495	285	23	measures	measure	NOUN
abrj-495	285	24	is	be	AUX
abrj-495	285	25	essential	essential	ADJ
abrj-495	285	26	for	for	ADP
abrj-495	285	27	fintech	fintech	NOUN
abrj-495	285	28	providers	provider	NOUN
abrj-495	285	29	to	to	PART
abrj-495	285	30	bolster	bolster	VERB
abrj-495	285	31	consumer	consumer	NOUN
abrj-495	285	32	confidence	confidence	NOUN
abrj-495	285	33	.	.	PUNCT
abrj-495	286	1	6	6	NUM
abrj-495	286	2	.	.	X
abrj-495	286	3	conclusions	conclusion	NOUN
abrj-495	286	4	,	,	PUNCT
abrj-495	286	5	implications	implication	NOUN
abrj-495	286	6	and	and	CCONJ
abrj-495	286	7	limitations	limitation	NOUN
abrj-495	286	8	6.1	6.1	NUM
abrj-495	286	9	.	.	PUNCT
abrj-495	287	1	conclusion	conclusion	NOUN
abrj-495	287	2	briefly	briefly	ADV
abrj-495	287	3	,	,	PUNCT
abrj-495	287	4	the	the	DET
abrj-495	287	5	research	research	NOUN
abrj-495	287	6	findings	finding	NOUN
abrj-495	287	7	indicate	indicate	VERB
abrj-495	287	8	that	that	SCONJ
abrj-495	287	9	financial	financial	ADJ
abrj-495	287	10	literacy	literacy	NOUN
abrj-495	287	11	,	,	PUNCT
abrj-495	287	12	consumer	consumer	NOUN
abrj-495	287	13	awareness	awareness	NOUN
abrj-495	287	14	,	,	PUNCT
abrj-495	287	15	and	and	CCONJ
abrj-495	287	16	ease	ease	NOUN
abrj-495	287	17	of	of	ADP
abrj-495	287	18	access	access	NOUN
abrj-495	287	19	are	be	AUX
abrj-495	287	20	significant	significant	ADJ
abrj-495	287	21	aspects	aspect	NOUN
abrj-495	287	22	driving	drive	VERB
abrj-495	287	23	the	the	DET
abrj-495	287	24	adoption	adoption	NOUN
abrj-495	287	25	of	of	ADP
abrj-495	287	26	digital	digital	ADJ
abrj-495	287	27	loan	loan	NOUN
abrj-495	287	28	in	in	ADP
abrj-495	287	29	gresik	gresik	PROPN
abrj-495	287	30	regency	regency	PROPN
abrj-495	287	31	.	.	PUNCT
abrj-495	288	1	this	this	DET
abrj-495	288	2	study	study	NOUN
abrj-495	288	3	reveals	reveal	VERB
abrj-495	288	4	that	that	SCONJ
abrj-495	288	5	adequate	adequate	ADJ
abrj-495	288	6	financial	financial	ADJ
abrj-495	288	7	literacy	literacy	NOUN
abrj-495	288	8	is	be	AUX
abrj-495	288	9	crucial	crucial	ADJ
abrj-495	288	10	for	for	ADP
abrj-495	288	11	maintaining	maintain	VERB
abrj-495	288	12	the	the	DET
abrj-495	288	13	financial	financial	ADJ
abrj-495	288	14	health	health	NOUN
abrj-495	288	15	of	of	ADP
abrj-495	288	16	the	the	DET
abrj-495	288	17	residents	resident	NOUN
abrj-495	288	18	of	of	ADP
abrj-495	288	19	gresik	gresik	PROPN
abrj-495	288	20	regency	regency	PROPN
abrj-495	288	21	.	.	PUNCT
abrj-495	289	1	in	in	ADP
abrj-495	289	2	addition	addition	NOUN
abrj-495	289	3	,	,	PUNCT
abrj-495	289	4	a	a	DET
abrj-495	289	5	high	high	ADJ
abrj-495	289	6	level	level	NOUN
abrj-495	289	7	of	of	ADP
abrj-495	289	8	consumer	consumer	NOUN
abrj-495	289	9	awareness	awareness	NOUN
abrj-495	289	10	regarding	regard	VERB
abrj-495	289	11	rights	right	NOUN
abrj-495	289	12	,	,	PUNCT
abrj-495	289	13	regulations	regulation	NOUN
abrj-495	289	14	,	,	PUNCT
abrj-495	289	15	and	and	CCONJ
abrj-495	289	16	complaint	complaint	NOUN
abrj-495	289	17	mechanisms	mechanism	NOUN
abrj-495	289	18	enhances	enhance	VERB
abrj-495	289	19	interest	interest	NOUN
abrj-495	289	20	in	in	ADP
abrj-495	289	21	utilizing	utilize	VERB
abrj-495	289	22	loan	loan	NOUN
abrj-495	289	23	services	service	NOUN
abrj-495	289	24	.	.	PUNCT
abrj-495	290	1	additionally	additionally	ADV
abrj-495	290	2	,	,	PUNCT
abrj-495	290	3	ease	ease	NOUN
abrj-495	290	4	of	of	ADP
abrj-495	290	5	access	access	NOUN
abrj-495	290	6	—	—	PUNCT
abrj-495	290	7	characterized	characterize	VERB
abrj-495	290	8	by	by	ADP
abrj-495	290	9	high	high	ADJ
abrj-495	290	10	accessibility	accessibility	NOUN
abrj-495	290	11	,	,	PUNCT
abrj-495	290	12	a	a	DET
abrj-495	290	13	fast	fast	ADJ
abrj-495	290	14	and	and	CCONJ
abrj-495	290	15	straightforward	straightforward	ADJ
abrj-495	290	16	application	application	NOUN
abrj-495	290	17	process	process	NOUN
abrj-495	290	18	,	,	PUNCT
abrj-495	290	19	and	and	CCONJ
abrj-495	290	20	flexibility	flexibility	NOUN
abrj-495	290	21	of	of	ADP
abrj-495	290	22	use	use	NOUN
abrj-495	290	23	—	—	PUNCT
abrj-495	290	24	emerges	emerge	VERB
abrj-495	290	25	as	as	ADP
abrj-495	290	26	another	another	DET
abrj-495	290	27	important	important	ADJ
abrj-495	290	28	factor	factor	NOUN
abrj-495	290	29	.	.	PUNCT
abrj-495	291	1	meanwhile	meanwhile	ADV
abrj-495	291	2	,	,	PUNCT
abrj-495	291	3	trust	trust	NOUN
abrj-495	291	4	plays	play	VERB
abrj-495	291	5	a	a	DET
abrj-495	291	6	vital	vital	ADJ
abrj-495	291	7	part	part	NOUN
abrj-495	291	8	in	in	ADP
abrj-495	291	9	influencing	influence	VERB
abrj-495	291	10	interest	interest	NOUN
abrj-495	291	11	in	in	ADP
abrj-495	291	12	online	online	ADJ
abrj-495	291	13	loans	loan	NOUN
abrj-495	291	14	,	,	PUNCT
abrj-495	291	15	as	as	SCONJ
abrj-495	291	16	potential	potential	ADJ
abrj-495	291	17	borrowers	borrower	NOUN
abrj-495	291	18	are	be	AUX
abrj-495	291	19	likely	likely	ADJ
abrj-495	291	20	to	to	PART
abrj-495	291	21	engage	engage	VERB
abrj-495	291	22	only	only	ADV
abrj-495	291	23	with	with	ADP
abrj-495	291	24	services	service	NOUN
abrj-495	291	25	they	they	PRON
abrj-495	291	26	perceive	perceive	VERB
abrj-495	291	27	as	as	ADV
abrj-495	291	28	safe	safe	ADJ
abrj-495	291	29	,	,	PUNCT
abrj-495	291	30	transparent	transparent	ADJ
abrj-495	291	31	,	,	PUNCT
abrj-495	291	32	and	and	CCONJ
abrj-495	291	33	reliable	reliable	ADJ
abrj-495	291	34	.	.	PUNCT
abrj-495	292	1	in	in	ADP
abrj-495	292	2	the	the	DET
abrj-495	292	3	absence	absence	NOUN
abrj-495	292	4	of	of	ADP
abrj-495	292	5	trust	trust	NOUN
abrj-495	292	6	,	,	PUNCT
abrj-495	292	7	users	user	NOUN
abrj-495	292	8	may	may	AUX
abrj-495	292	9	be	be	AUX
abrj-495	292	10	concerned	concern	VERB
abrj-495	292	11	about	about	ADP
abrj-495	292	12	the	the	DET
abrj-495	292	13	risks	risk	NOUN
abrj-495	292	14	of	of	ADP
abrj-495	292	15	fraud	fraud	NOUN
abrj-495	292	16	,	,	PUNCT
abrj-495	292	17	misuse	misuse	NOUN
abrj-495	292	18	of	of	ADP
abrj-495	292	19	personal	personal	ADJ
abrj-495	292	20	data	datum	NOUN
abrj-495	292	21	,	,	PUNCT
abrj-495	292	22	or	or	CCONJ
abrj-495	292	23	exorbitant	exorbitant	ADJ
abrj-495	292	24	interest	interest	NOUN
abrj-495	292	25	rates	rate	NOUN
abrj-495	292	26	.	.	PUNCT
abrj-495	293	1	the	the	DET
abrj-495	293	2	role	role	NOUN
abrj-495	293	3	of	of	ADP
abrj-495	293	4	mediation	mediation	NOUN
abrj-495	293	5	confirms	confirm	VERB
abrj-495	293	6	that	that	SCONJ
abrj-495	293	7	financial	financial	ADJ
abrj-495	293	8	literacy	literacy	NOUN
abrj-495	293	9	,	,	PUNCT
abrj-495	293	10	consumer	consumer	NOUN
abrj-495	293	11	awareness	awareness	NOUN
abrj-495	293	12	,	,	PUNCT
abrj-495	293	13	and	and	CCONJ
abrj-495	293	14	ease	ease	NOUN
abrj-495	293	15	of	of	ADP
abrj-495	293	16	access	access	NOUN
abrj-495	293	17	not	not	PART
abrj-495	293	18	only	only	ADV
abrj-495	293	19	have	have	VERB
abrj-495	293	20	a	a	DET
abrj-495	293	21	direct	direct	ADJ
abrj-495	293	22	impact	impact	NOUN
abrj-495	293	23	but	but	CCONJ
abrj-495	293	24	also	also	ADV
abrj-495	293	25	an	an	DET
abrj-495	293	26	indirect	indirect	ADJ
abrj-495	293	27	effect	effect	NOUN
abrj-495	293	28	on	on	ADP
abrj-495	293	29	interest	interest	NOUN
abrj-495	293	30	in	in	ADP
abrj-495	293	31	online	online	ADJ
abrj-495	293	32	loan	loan	NOUN
abrj-495	293	33	through	through	ADP
abrj-495	293	34	trust	trust	NOUN
abrj-495	293	35	as	as	ADP
abrj-495	293	36	a	a	DET
abrj-495	293	37	mediating	mediate	VERB
abrj-495	293	38	variable	variable	NOUN
abrj-495	293	39	.	.	PUNCT
abrj-495	294	1	it	it	PRON
abrj-495	294	2	is	be	AUX
abrj-495	294	3	well	well	ADV
abrj-495	294	4	established	establish	VERB
abrj-495	294	5	that	that	SCONJ
abrj-495	294	6	building	building	NOUN
abrj-495	294	7	consumer	consumer	NOUN
abrj-495	294	8	trust	trust	NOUN
abrj-495	294	9	is	be	AUX
abrj-495	294	10	essential	essential	ADJ
abrj-495	294	11	for	for	ADP
abrj-495	294	12	driving	drive	VERB
abrj-495	294	13	the	the	DET
abrj-495	294	14	adoption	adoption	NOUN
abrj-495	294	15	of	of	ADP
abrj-495	294	16	digital	digital	ADJ
abrj-495	294	17	loan	loan	NOUN
abrj-495	294	18	services	service	NOUN
abrj-495	294	19	in	in	ADP
abrj-495	294	20	gresik	gresik	PROPN
abrj-495	294	21	regency	regency	PROPN
abrj-495	294	22	.	.	PUNCT
abrj-495	295	1	furthermore	furthermore	ADV
abrj-495	295	2	,	,	PUNCT
abrj-495	295	3	the	the	DET
abrj-495	295	4	integration	integration	NOUN
abrj-495	295	5	of	of	ADP
abrj-495	295	6	marketing	marketing	NOUN
abrj-495	295	7	channels	channel	NOUN
abrj-495	295	8	has	have	AUX
abrj-495	295	9	become	become	VERB
abrj-495	295	10	increasingly	increasingly	ADV
abrj-495	295	11	crucial	crucial	ADJ
abrj-495	295	12	in	in	ADP
abrj-495	295	13	the	the	DET
abrj-495	295	14	digital	digital	ADJ
abrj-495	295	15	era	era	NOUN
abrj-495	295	16	.	.	PUNCT
abrj-495	296	1	6.2	6.2	NUM
abrj-495	296	2	.	.	PUNCT
abrj-495	296	3	implication	implication	NOUN
abrj-495	296	4	the	the	DET
abrj-495	296	5	managerial	managerial	ADJ
abrj-495	296	6	implication	implication	NOUN
abrj-495	296	7	that	that	PRON
abrj-495	296	8	can	can	AUX
abrj-495	296	9	be	be	AUX
abrj-495	296	10	recommended	recommend	VERB
abrj-495	296	11	is	be	AUX
abrj-495	296	12	the	the	DET
abrj-495	296	13	necessity	necessity	NOUN
abrj-495	296	14	for	for	ADP
abrj-495	296	15	a	a	DET
abrj-495	296	16	comprehensive	comprehensive	ADJ
abrj-495	296	17	education	education	NOUN
abrj-495	296	18	and	and	CCONJ
abrj-495	296	19	communication	communication	NOUN
abrj-495	296	20	strategy	strategy	NOUN
abrj-495	296	21	aimed	aim	VERB
abrj-495	296	22	at	at	ADP
abrj-495	296	23	enhancing	enhance	VERB
abrj-495	296	24	financial	financial	ADJ
abrj-495	296	25	literacy	literacy	NOUN
abrj-495	296	26	and	and	CCONJ
abrj-495	296	27	consumer	consumer	NOUN
abrj-495	296	28	awareness	awareness	NOUN
abrj-495	296	29	.	.	PUNCT
abrj-495	297	1	online	online	ADJ
abrj-495	297	2	loan	loan	NOUN
abrj-495	297	3	platforms	platform	NOUN
abrj-495	297	4	should	should	AUX
abrj-495	297	5	also	also	ADV
abrj-495	297	6	prioritize	prioritize	VERB
abrj-495	297	7	improving	improve	VERB
abrj-495	297	8	accessibility	accessibility	NOUN
abrj-495	297	9	,	,	PUNCT
abrj-495	297	10	processing	processing	NOUN
abrj-495	297	11	speed	speed	NOUN
abrj-495	297	12	,	,	PUNCT
abrj-495	297	13	and	and	CCONJ
abrj-495	297	14	information	information	NOUN
abrj-495	297	15	security	security	NOUN
abrj-495	297	16	and	and	CCONJ
abrj-495	297	17	transparency	transparency	NOUN
abrj-495	297	18	to	to	PART
abrj-495	297	19	foster	foster	VERB
abrj-495	297	20	asian	asian	ADJ
abrj-495	297	21	business	business	PROPN
abrj-495	297	22	research	research	NOUN
abrj-495	297	23	journal	journal	NOUN
abrj-495	297	24	,	,	PUNCT
abrj-495	297	25	2025	2025	NUM
abrj-495	297	26	,	,	PUNCT
abrj-495	297	27	10(7	10(7	NUM
abrj-495	297	28	):	):	PUNCT
abrj-495	297	29	50	50	NUM
abrj-495	297	30	-	-	SYM
abrj-495	297	31	59	59	NUM
abrj-495	297	32	57	57	NUM
abrj-495	297	33	©	©	PROPN
abrj-495	297	34	2025	2025	NUM
abrj-495	297	35	by	by	ADP
abrj-495	297	36	the	the	DET
abrj-495	297	37	authors	author	NOUN
abrj-495	297	38	;	;	PUNCT
abrj-495	297	39	licensee	licensee	NOUN
abrj-495	297	40	eastern	eastern	ADJ
abrj-495	297	41	centre	centre	NOUN
abrj-495	297	42	of	of	ADP
abrj-495	297	43	science	science	NOUN
abrj-495	297	44	and	and	CCONJ
abrj-495	297	45	education	education	NOUN
abrj-495	297	46	,	,	PUNCT
abrj-495	297	47	usa	usa	PROPN
abrj-495	297	48	user	user	PROPN
abrj-495	297	49	trust	trust	PROPN
abrj-495	297	50	.	.	PUNCT
abrj-495	298	1	this	this	DET
abrj-495	298	2	breakthrough	breakthrough	NOUN
abrj-495	298	3	is	be	AUX
abrj-495	298	4	anticipated	anticipate	VERB
abrj-495	298	5	to	to	PART
abrj-495	298	6	promote	promote	VERB
abrj-495	298	7	the	the	DET
abrj-495	298	8	adoption	adoption	NOUN
abrj-495	298	9	of	of	ADP
abrj-495	298	10	online	online	ADJ
abrj-495	298	11	loan	loan	NOUN
abrj-495	298	12	services	service	NOUN
abrj-495	298	13	in	in	ADP
abrj-495	298	14	a	a	DET
abrj-495	298	15	more	more	ADV
abrj-495	298	16	responsible	responsible	ADJ
abrj-495	298	17	and	and	CCONJ
abrj-495	298	18	sustainable	sustainable	ADJ
abrj-495	298	19	manner	manner	NOUN
abrj-495	298	20	.	.	PUNCT
abrj-495	299	1	6.3	6.3	NUM
abrj-495	299	2	.	.	PUNCT
abrj-495	300	1	limitation	limitation	NOUN
abrj-495	300	2	this	this	DET
abrj-495	300	3	study	study	NOUN
abrj-495	300	4	has	have	VERB
abrj-495	300	5	several	several	ADJ
abrj-495	300	6	limitations	limitation	NOUN
abrj-495	300	7	,	,	PUNCT
abrj-495	300	8	including	include	VERB
abrj-495	300	9	a	a	DET
abrj-495	300	10	relatively	relatively	ADV
abrj-495	300	11	small	small	ADJ
abrj-495	300	12	sample	sample	NOUN
abrj-495	300	13	size	size	NOUN
abrj-495	300	14	and	and	CCONJ
abrj-495	300	15	a	a	DET
abrj-495	300	16	restricted	restricted	ADJ
abrj-495	300	17	geographical	geographical	ADJ
abrj-495	300	18	scope	scope	NOUN
abrj-495	300	19	.	.	PUNCT
abrj-495	301	1	for	for	ADP
abrj-495	301	2	that	that	DET
abrj-495	301	3	reason	reason	NOUN
abrj-495	301	4	,	,	PUNCT
abrj-495	301	5	future	future	ADJ
abrj-495	301	6	research	research	NOUN
abrj-495	301	7	should	should	AUX
abrj-495	301	8	aim	aim	VERB
abrj-495	301	9	to	to	PART
abrj-495	301	10	include	include	VERB
abrj-495	301	11	larger	large	ADJ
abrj-495	301	12	samples	sample	NOUN
abrj-495	301	13	and	and	CCONJ
abrj-495	301	14	broader	broad	ADJ
abrj-495	301	15	geographical	geographical	ADJ
abrj-495	301	16	coverage	coverage	NOUN
abrj-495	301	17	to	to	PART
abrj-495	301	18	yield	yield	VERB
abrj-495	301	19	more	more	ADJ
abrj-495	301	20	representative	representative	ADJ
abrj-495	301	21	results	result	NOUN
abrj-495	301	22	.	.	PUNCT
abrj-495	302	1	additionally	additionally	ADV
abrj-495	302	2	,	,	PUNCT
abrj-495	302	3	a	a	DET
abrj-495	302	4	comprehensive	comprehensive	ADJ
abrj-495	302	5	investigation	investigation	NOUN
abrj-495	302	6	into	into	ADP
abrj-495	302	7	consumer	consumer	NOUN
abrj-495	302	8	interest	interest	NOUN
abrj-495	302	9	in	in	ADP
abrj-495	302	10	online	online	ADJ
abrj-495	302	11	loan	loan	NOUN
abrj-495	302	12	and	and	CCONJ
abrj-495	302	13	the	the	DET
abrj-495	302	14	specific	specific	ADJ
abrj-495	302	15	aspects	aspect	NOUN
abrj-495	302	16	that	that	PRON
abrj-495	302	17	influence	influence	VERB
abrj-495	302	18	it	it	PRON
abrj-495	302	19	presents	present	VERB
abrj-495	302	20	an	an	DET
abrj-495	302	21	intriguing	intriguing	ADJ
abrj-495	302	22	area	area	NOUN
abrj-495	302	23	for	for	ADP
abrj-495	302	24	further	further	ADJ
abrj-495	302	25	exploration	exploration	NOUN
abrj-495	302	26	.	.	PUNCT
abrj-495	303	1	acknowledgments	acknowledgment	NOUN
abrj-495	303	2	:	:	PUNCT
abrj-495	303	3	the	the	DET
abrj-495	303	4	authors	author	NOUN
abrj-495	303	5	express	express	VERB
abrj-495	303	6	their	their	PRON
abrj-495	303	7	sincere	sincere	ADJ
abrj-495	303	8	gratitude	gratitude	NOUN
abrj-495	303	9	for	for	ADP
abrj-495	303	10	the	the	DET
abrj-495	303	11	reviewers	reviewer	NOUN
abrj-495	303	12	'	'	PART
abrj-495	303	13	dedication	dedication	NOUN
abrj-495	303	14	and	and	CCONJ
abrj-495	303	15	meticulous	meticulous	ADJ
abrj-495	303	16	care	care	NOUN
abrj-495	303	17	in	in	ADP
abrj-495	303	18	providing	provide	VERB
abrj-495	303	19	anonymous	anonymous	ADJ
abrj-495	303	20	,	,	PUNCT
abrj-495	303	21	professional	professional	ADJ
abrj-495	303	22	,	,	PUNCT
abrj-495	303	23	and	and	CCONJ
abrj-495	303	24	constructive	constructive	ADJ
abrj-495	303	25	feedback	feedback	NOUN
abrj-495	303	26	on	on	ADP
abrj-495	303	27	this	this	DET
abrj-495	303	28	research	research	NOUN
abrj-495	303	29	.	.	PUNCT
abrj-495	304	1	we	we	PRON
abrj-495	304	2	also	also	ADV
abrj-495	304	3	extend	extend	VERB
abrj-495	304	4	our	our	PRON
abrj-495	304	5	thanks	thank	NOUN
abrj-495	304	6	to	to	ADP
abrj-495	304	7	universitas	universita	NOUN
abrj-495	304	8	gajayana	gajayana	PROPN
abrj-495	304	9	for	for	ADP
abrj-495	304	10	its	its	PRON
abrj-495	304	11	support	support	NOUN
abrj-495	304	12	,	,	PUNCT
abrj-495	304	13	especially	especially	ADV
abrj-495	304	14	as	as	ADP
abrj-495	304	15	an	an	DET
abrj-495	304	16	internal	internal	ADJ
abrj-495	304	17	grant	grant	NOUN
abrj-495	304	18	sponsor	sponsor	NOUN
abrj-495	304	19	.	.	PUNCT
abrj-495	305	1	references	reference	NOUN
abrj-495	305	2	abbas	abbas	PROPN
abrj-495	305	3	,	,	PUNCT
abrj-495	305	4	n.	n.	NOUN
abrj-495	305	5	,	,	PUNCT
abrj-495	305	6	&	&	CCONJ
abrj-495	305	7	khan	khan	PROPN
abrj-495	305	8	,	,	PUNCT
abrj-495	305	9	h.	h.	PROPN
abrj-495	305	10	g.	g.	PROPN
abrj-495	305	11	m.	m.	PROPN
abrj-495	305	12	(	(	PUNCT
abrj-495	305	13	2024	2024	NUM
abrj-495	305	14	)	)	PUNCT
abrj-495	305	15	.	.	PUNCT
abrj-495	306	1	the	the	DET
abrj-495	306	2	role	role	NOUN
abrj-495	306	3	of	of	ADP
abrj-495	306	4	financial	financial	ADJ
abrj-495	306	5	literacy	literacy	NOUN
abrj-495	306	6	and	and	CCONJ
abrj-495	306	7	technology	technology	NOUN
abrj-495	306	8	savviness	savviness	NOUN
abrj-495	306	9	on	on	ADP
abrj-495	306	10	fintech	fintech	NOUN
abrj-495	306	11	adoption	adoption	NOUN
abrj-495	306	12	in	in	ADP
abrj-495	306	13	traditional	traditional	ADJ
abrj-495	306	14	banking	banking	NOUN
abrj-495	306	15	:	:	PUNCT
abrj-495	306	16	the	the	DET
abrj-495	306	17	mediating	mediate	VERB
abrj-495	306	18	role	role	NOUN
abrj-495	306	19	of	of	ADP
abrj-495	306	20	trust	trust	NOUN
abrj-495	306	21	in	in	ADP
abrj-495	306	22	technology	technology	NOUN
abrj-495	306	23	.	.	PUNCT
abrj-495	307	1	pakistan	pakistan	PROPN
abrj-495	307	2	journal	journal	PROPN
abrj-495	307	3	of	of	ADP
abrj-495	307	4	humanities	humanity	NOUN
abrj-495	307	5	and	and	CCONJ
abrj-495	307	6	social	social	ADJ
abrj-495	307	7	sciences	science	NOUN
abrj-495	307	8	,	,	PUNCT
abrj-495	307	9	12(4	12(4	NUM
abrj-495	307	10	)	)	PUNCT
abrj-495	307	11	,	,	PUNCT
abrj-495	307	12	3183–3191	3183–3191	NUM
abrj-495	307	13	.	.	PUNCT
abrj-495	308	1	https://doi.org/10.52131/pjhss.2024.v12i4.2577	https://doi.org/10.52131/pjhss.2024.v12i4.2577	PROPN
abrj-495	308	2	abdurrahman	abdurrahman	NOUN
abrj-495	308	3	,	,	PUNCT
abrj-495	308	4	a.	a.	PROPN
abrj-495	308	5	,	,	PUNCT
abrj-495	308	6	&	&	CCONJ
abrj-495	308	7	nugroho	nugroho	PROPN
abrj-495	308	8	,	,	PUNCT
abrj-495	308	9	d.	d.	PROPN
abrj-495	308	10	a.	a.	PROPN
abrj-495	308	11	(	(	PUNCT
abrj-495	308	12	2024	2024	NUM
abrj-495	308	13	)	)	PUNCT
abrj-495	308	14	.	.	PUNCT
abrj-495	309	1	the	the	DET
abrj-495	309	2	role	role	NOUN
abrj-495	309	3	of	of	ADP
abrj-495	309	4	digital	digital	ADJ
abrj-495	309	5	financial	financial	ADJ
abrj-495	309	6	literacy	literacy	NOUN
abrj-495	309	7	on	on	ADP
abrj-495	309	8	financial	financial	ADJ
abrj-495	309	9	well	well	NOUN
abrj-495	309	10	-	-	PUNCT
abrj-495	309	11	being	being	NOUN
abrj-495	309	12	with	with	ADP
abrj-495	309	13	financial	financial	ADJ
abrj-495	309	14	technology	technology	NOUN
abrj-495	309	15	,	,	PUNCT
abrj-495	309	16	financial	financial	ADJ
abrj-495	309	17	confidence	confidence	NOUN
abrj-495	309	18	,	,	PUNCT
abrj-495	309	19	financial	financial	ADJ
abrj-495	309	20	behavior	behavior	NOUN
abrj-495	309	21	as	as	ADP
abrj-495	309	22	intervening	intervene	VERB
abrj-495	309	23	and	and	CCONJ
abrj-495	309	24	sociodemography	sociodemography	NOUN
abrj-495	309	25	as	as	ADP
abrj-495	309	26	moderation	moderation	NOUN
abrj-495	309	27	.	.	PUNCT
abrj-495	310	1	jurnal	jurnal	ADJ
abrj-495	310	2	ekonomi	ekonomi	PROPN
abrj-495	310	3	dan	dan	PROPN
abrj-495	310	4	bisnis	bisnis	PROPN
abrj-495	310	5	,	,	PUNCT
abrj-495	310	6	27(2	27(2	NUM
abrj-495	310	7	)	)	PUNCT
abrj-495	310	8	,	,	PUNCT
abrj-495	310	9	191–220	191–220	NUM
abrj-495	310	10	.	.	PUNCT
abrj-495	311	1	https://doi.org/10.24914/jeb.v27i2.11891	https://doi.org/10.24914/jeb.v27i2.11891	PROPN
abrj-495	311	2	albar	albar	NOUN
abrj-495	311	3	,	,	PUNCT
abrj-495	311	4	k.	k.	PROPN
abrj-495	311	5	(	(	PUNCT
abrj-495	311	6	2023	2023	NUM
abrj-495	311	7	)	)	PUNCT
abrj-495	311	8	.	.	PUNCT
abrj-495	312	1	the	the	DET
abrj-495	312	2	existence	existence	NOUN
abrj-495	312	3	of	of	ADP
abrj-495	312	4	fintech	fintech	NOUN
abrj-495	312	5	as	as	ADP
abrj-495	312	6	a	a	DET
abrj-495	312	7	financing	financing	NOUN
abrj-495	312	8	instrument	instrument	NOUN
abrj-495	312	9	in	in	ADP
abrj-495	312	10	improving	improve	VERB
abrj-495	312	11	financial	financial	ADJ
abrj-495	312	12	inclusion	inclusion	NOUN
abrj-495	312	13	for	for	ADP
abrj-495	312	14	msmes	msme	NOUN
abrj-495	312	15	in	in	ADP
abrj-495	312	16	sidayu	sidayu	ADJ
abrj-495	312	17	district	district	NOUN
abrj-495	312	18	.	.	PUNCT
abrj-495	313	1	international	international	ADJ
abrj-495	313	2	journal	journal	PROPN
abrj-495	313	3	on	on	ADP
abrj-495	313	4	social	social	ADJ
abrj-495	313	5	science	science	NOUN
abrj-495	313	6	,	,	PUNCT
abrj-495	313	7	economics	economic	NOUN
abrj-495	313	8	and	and	CCONJ
abrj-495	313	9	art	art	NOUN
abrj-495	313	10	,	,	PUNCT
abrj-495	313	11	13(3	13(3	NUM
abrj-495	313	12	)	)	PUNCT
abrj-495	313	13	,	,	PUNCT
abrj-495	313	14	185–193	185–193	NUM
abrj-495	313	15	.	.	PUNCT
abrj-495	314	1	https://doi.org/10.35335/ijosea.v13i3.404	https://doi.org/10.35335/ijosea.v13i3.404	PROPN
abrj-495	314	2	apau	apau	PROPN
abrj-495	314	3	,	,	PUNCT
abrj-495	314	4	r.	r.	PROPN
abrj-495	314	5	,	,	PUNCT
abrj-495	314	6	titis	titis	NOUN
abrj-495	314	7	,	,	PUNCT
abrj-495	314	8	e.	e.	PROPN
abrj-495	314	9	,	,	PUNCT
abrj-495	314	10	&	&	CCONJ
abrj-495	314	11	lallie	lallie	PROPN
abrj-495	314	12	,	,	PUNCT
abrj-495	314	13	h.	h.	PROPN
abrj-495	314	14	s.	s.	PROPN
abrj-495	314	15	(	(	PUNCT
abrj-495	314	16	2025	2025	NUM
abrj-495	314	17	)	)	PUNCT
abrj-495	314	18	.	.	PUNCT
abrj-495	315	1	towards	towards	ADP
abrj-495	315	2	a	a	DET
abrj-495	315	3	better	well	ADJ
abrj-495	315	4	understanding	understanding	NOUN
abrj-495	315	5	of	of	ADP
abrj-495	315	6	mobile	mobile	ADJ
abrj-495	315	7	banking	banking	NOUN
abrj-495	315	8	app	app	NOUN
abrj-495	315	9	adoption	adoption	NOUN
abrj-495	315	10	and	and	CCONJ
abrj-495	315	11	use	use	NOUN
abrj-495	315	12	:	:	PUNCT
abrj-495	315	13	integrating	integrate	VERB
abrj-495	315	14	security	security	NOUN
abrj-495	315	15	,	,	PUNCT
abrj-495	315	16	risk	risk	NOUN
abrj-495	315	17	,	,	PUNCT
abrj-495	315	18	and	and	CCONJ
abrj-495	315	19	trust	trust	VERB
abrj-495	315	20	into	into	ADP
abrj-495	315	21	utaut2	utaut2	PROPN
abrj-495	315	22	.	.	PUNCT
abrj-495	316	1	computers	computer	NOUN
abrj-495	316	2	,	,	PUNCT
abrj-495	316	3	14(4	14(4	NUM
abrj-495	316	4	)	)	PUNCT
abrj-495	316	5	,	,	PUNCT
abrj-495	316	6	article	article	NOUN
abrj-495	316	7	144	144	NUM
abrj-495	316	8	.	.	PUNCT
abrj-495	317	1	https://doi.org/10.3390/computers14040144	https://doi.org/10.3390/computers14040144	PROPN
abrj-495	317	2	asamani	asamani	PROPN
abrj-495	317	3	,	,	PUNCT
abrj-495	317	4	a.	a.	PROPN
abrj-495	317	5	,	,	PUNCT
abrj-495	317	6	&	&	CCONJ
abrj-495	317	7	majumdar	majumdar	PROPN
abrj-495	317	8	,	,	PUNCT
abrj-495	317	9	j.	j.	PROPN
abrj-495	317	10	(	(	PUNCT
abrj-495	317	11	2024	2024	NUM
abrj-495	317	12	)	)	PUNCT
abrj-495	317	13	.	.	PUNCT
abrj-495	318	1	an	an	DET
abrj-495	318	2	empirical	empirical	ADJ
abrj-495	318	3	study	study	NOUN
abrj-495	318	4	of	of	ADP
abrj-495	318	5	digital	digital	ADJ
abrj-495	318	6	lending	lending	NOUN
abrj-495	318	7	in	in	ADP
abrj-495	318	8	india	india	PROPN
abrj-495	318	9	and	and	CCONJ
abrj-495	318	10	the	the	DET
abrj-495	318	11	variables	variable	NOUN
abrj-495	318	12	associated	associate	VERB
abrj-495	318	13	with	with	ADP
abrj-495	318	14	its	its	PRON
abrj-495	318	15	adoption	adoption	NOUN
abrj-495	318	16	.	.	PUNCT
abrj-495	319	1	brazilian	brazilian	ADJ
abrj-495	319	2	administration	administration	PROPN
abrj-495	319	3	review	review	PROPN
abrj-495	319	4	,	,	PUNCT
abrj-495	319	5	21(3	21(3	NUM
abrj-495	319	6	)	)	PUNCT
abrj-495	319	7	,	,	PUNCT
abrj-495	319	8	article	article	NOUN
abrj-495	319	9	e230132	e230132	PROPN
abrj-495	319	10	.	.	PUNCT
abrj-495	320	1	https://doi.org/10.1590/1807-7692bar2024230132	https://doi.org/10.1590/1807-7692bar2024230132	VERB
abrj-495	320	2	bao	bao	PROPN
abrj-495	320	3	,	,	PUNCT
abrj-495	320	4	t.	t.	PROPN
abrj-495	320	5	,	,	PUNCT
abrj-495	320	6	ding	ding	NOUN
abrj-495	320	7	,	,	PUNCT
abrj-495	320	8	y.	y.	PROPN
abrj-495	320	9	,	,	PUNCT
abrj-495	320	10	gopal	gopal	PROPN
abrj-495	320	11	,	,	PUNCT
abrj-495	320	12	r.	r.	PROPN
abrj-495	320	13	,	,	PUNCT
abrj-495	320	14	&	&	CCONJ
abrj-495	320	15	möhlmann	möhlmann	PROPN
abrj-495	320	16	,	,	PUNCT
abrj-495	320	17	m.	m.	NOUN
abrj-495	320	18	(	(	PUNCT
abrj-495	320	19	2024	2024	NUM
abrj-495	320	20	)	)	PUNCT
abrj-495	320	21	.	.	PUNCT
abrj-495	321	1	throwing	throw	VERB
abrj-495	321	2	good	good	ADJ
abrj-495	321	3	money	money	NOUN
abrj-495	321	4	after	after	ADP
abrj-495	321	5	bad	bad	ADJ
abrj-495	321	6	:	:	PUNCT
abrj-495	321	7	risk	risk	NOUN
abrj-495	321	8	mitigation	mitigation	NOUN
abrj-495	321	9	strategies	strategy	NOUN
abrj-495	321	10	in	in	ADP
abrj-495	321	11	the	the	DET
abrj-495	321	12	p2p	p2p	NOUN
abrj-495	321	13	lending	lending	NOUN
abrj-495	321	14	platforms	platform	NOUN
abrj-495	321	15	.	.	PUNCT
abrj-495	322	1	information	information	NOUN
abrj-495	322	2	systems	system	NOUN
abrj-495	322	3	frontiers	frontier	NOUN
abrj-495	322	4	,	,	PUNCT
abrj-495	322	5	26(4	26(4	NUM
abrj-495	322	6	)	)	PUNCT
abrj-495	322	7	,	,	PUNCT
abrj-495	322	8	1453–1473	1453–1473	NUM
abrj-495	322	9	.	.	PUNCT
abrj-495	322	10	https://doi.org/10.1007/s10796-023-10423-4	https://doi.org/10.1007/s10796-023-10423-4	PROPN
abrj-495	323	1	candra	candra	PROPN
abrj-495	323	2	,	,	PUNCT
abrj-495	323	3	s.	s.	PROPN
abrj-495	323	4	,	,	PUNCT
abrj-495	323	5	nuruttarwiyah	nuruttarwiyah	ADV
abrj-495	323	6	,	,	PUNCT
abrj-495	323	7	f.	f.	PROPN
abrj-495	323	8	,	,	PUNCT
abrj-495	323	9	&	&	CCONJ
abrj-495	323	10	hapsari	hapsari	PROPN
abrj-495	323	11	,	,	PUNCT
abrj-495	323	12	i.	i.	PROPN
abrj-495	323	13	h.	h.	PROPN
abrj-495	323	14	(	(	PUNCT
abrj-495	323	15	2020	2020	NUM
abrj-495	323	16	)	)	PUNCT
abrj-495	323	17	.	.	PUNCT
abrj-495	323	18	revisited	revisit	VERB
abrj-495	323	19	the	the	DET
abrj-495	323	20	technology	technology	NOUN
abrj-495	323	21	acceptance	acceptance	NOUN
abrj-495	323	22	model	model	NOUN
abrj-495	323	23	with	with	ADP
abrj-495	323	24	e	e	NOUN
abrj-495	323	25	-	-	NOUN
abrj-495	323	26	trust	trust	NOUN
abrj-495	323	27	for	for	ADP
abrj-495	323	28	peer	peer	NOUN
abrj-495	323	29	-	-	PUNCT
abrj-495	323	30	to	to	ADP
abrj-495	323	31	-	-	PUNCT
abrj-495	323	32	peer	peer	NOUN
abrj-495	323	33	lending	lending	NOUN
abrj-495	323	34	in	in	ADP
abrj-495	323	35	indonesia	indonesia	PROPN
abrj-495	323	36	(	(	PUNCT
abrj-495	323	37	perspective	perspective	NOUN
abrj-495	323	38	from	from	ADP
abrj-495	323	39	fintech	fintech	NOUN
abrj-495	323	40	users	user	NOUN
abrj-495	323	41	)	)	PUNCT
abrj-495	323	42	.	.	PUNCT
abrj-495	324	1	international	international	ADJ
abrj-495	324	2	journal	journal	PROPN
abrj-495	324	3	of	of	ADP
abrj-495	324	4	technology	technology	NOUN
abrj-495	324	5	,	,	PUNCT
abrj-495	324	6	11(4	11(4	NUM
abrj-495	324	7	)	)	PUNCT
abrj-495	324	8	,	,	PUNCT
abrj-495	324	9	710–721	710–721	NUM
abrj-495	324	10	.	.	PUNCT
abrj-495	325	1	https://doi.org/10.14716/ijtech.v11i4.4032	https://doi.org/10.14716/ijtech.v11i4.4032	X
abrj-495	325	2	chawla	chawla	PROPN
abrj-495	325	3	,	,	PUNCT
abrj-495	325	4	u.	u.	PROPN
abrj-495	325	5	,	,	PUNCT
abrj-495	325	6	mohnot	mohnot	PROPN
abrj-495	325	7	,	,	PUNCT
abrj-495	325	8	r.	r.	PROPN
abrj-495	325	9	,	,	PUNCT
abrj-495	325	10	singh	singh	PROPN
abrj-495	325	11	,	,	PUNCT
abrj-495	325	12	h.	h.	PROPN
abrj-495	325	13	v.	v.	PROPN
abrj-495	325	14	,	,	PUNCT
abrj-495	325	15	&	&	CCONJ
abrj-495	325	16	banerjee	banerjee	PROPN
abrj-495	325	17	,	,	PUNCT
abrj-495	325	18	a.	a.	NOUN
abrj-495	325	19	(	(	PUNCT
abrj-495	325	20	2023	2023	NUM
abrj-495	325	21	)	)	PUNCT
abrj-495	325	22	.	.	PUNCT
abrj-495	326	1	the	the	DET
abrj-495	326	2	mediating	mediate	VERB
abrj-495	326	3	effect	effect	NOUN
abrj-495	326	4	of	of	ADP
abrj-495	326	5	perceived	perceive	VERB
abrj-495	326	6	trust	trust	NOUN
abrj-495	326	7	in	in	ADP
abrj-495	326	8	the	the	DET
abrj-495	326	9	adoption	adoption	NOUN
abrj-495	326	10	of	of	ADP
abrj-495	326	11	cutting	cut	VERB
abrj-495	326	12	-	-	PUNCT
abrj-495	326	13	edge	edge	NOUN
abrj-495	326	14	financial	financial	ADJ
abrj-495	326	15	technology	technology	NOUN
abrj-495	326	16	among	among	ADP
abrj-495	326	17	digital	digital	ADJ
abrj-495	326	18	natives	native	NOUN
abrj-495	326	19	in	in	ADP
abrj-495	326	20	the	the	DET
abrj-495	326	21	post	post	ADJ
abrj-495	326	22	-	-	ADJ
abrj-495	326	23	covid-19	covid-19	ADJ
abrj-495	326	24	era	era	NOUN
abrj-495	326	25	.	.	PUNCT
abrj-495	327	1	economies	economy	NOUN
abrj-495	327	2	,	,	PUNCT
abrj-495	327	3	11(12	11(12	NUM
abrj-495	327	4	)	)	PUNCT
abrj-495	327	5	,	,	PUNCT
abrj-495	327	6	article	article	NOUN
abrj-495	327	7	286	286	NUM
abrj-495	327	8	.	.	PUNCT
abrj-495	328	1	https://doi.org/10.3390/economies11120286	https://doi.org/10.3390/economies11120286	PROPN
abrj-495	328	2	chen	chen	PROPN
abrj-495	328	3	,	,	PUNCT
abrj-495	328	4	d.	d.	PROPN
abrj-495	328	5	,	,	PUNCT
abrj-495	328	6	lou	lou	PROPN
abrj-495	328	7	,	,	PUNCT
abrj-495	328	8	h.	h.	PROPN
abrj-495	328	9	,	,	PUNCT
abrj-495	328	10	&	&	CCONJ
abrj-495	328	11	van	van	PROPN
abrj-495	328	12	slyke	slyke	PROPN
abrj-495	328	13	,	,	PUNCT
abrj-495	328	14	c.	c.	NOUN
abrj-495	328	15	(	(	PUNCT
abrj-495	328	16	2015	2015	NUM
abrj-495	328	17	)	)	PUNCT
abrj-495	328	18	.	.	PUNCT
abrj-495	329	1	toward	toward	ADP
abrj-495	329	2	an	an	DET
abrj-495	329	3	understanding	understanding	NOUN
abrj-495	329	4	of	of	ADP
abrj-495	329	5	online	online	ADJ
abrj-495	329	6	lending	lending	NOUN
abrj-495	329	7	intentions	intention	NOUN
abrj-495	329	8	:	:	PUNCT
abrj-495	329	9	evidence	evidence	NOUN
abrj-495	329	10	from	from	ADP
abrj-495	329	11	a	a	DET
abrj-495	329	12	survey	survey	NOUN
abrj-495	329	13	in	in	ADP
abrj-495	329	14	china	china	PROPN
abrj-495	329	15	.	.	PUNCT
abrj-495	330	1	communications	communication	NOUN
abrj-495	330	2	of	of	ADP
abrj-495	330	3	the	the	DET
abrj-495	330	4	association	association	NOUN
abrj-495	330	5	for	for	ADP
abrj-495	330	6	information	information	NOUN
abrj-495	330	7	systems	system	NOUN
abrj-495	330	8	,	,	PUNCT
abrj-495	330	9	36	36	NUM
abrj-495	330	10	,	,	PUNCT
abrj-495	330	11	317–336	317–336	NUM
abrj-495	330	12	.	.	PUNCT
abrj-495	331	1	https://doi.org/10.17705/1cais.03617	https://doi.org/10.17705/1cais.03617	PROPN
abrj-495	331	2	choudhuri	choudhuri	NOUN
abrj-495	331	3	,	,	PUNCT
abrj-495	331	4	s.	s.	PROPN
abrj-495	331	5	,	,	PUNCT
abrj-495	331	6	rastogi	rastogi	PROPN
abrj-495	331	7	,	,	PUNCT
abrj-495	331	8	e.	e.	PROPN
abrj-495	331	9	,	,	PUNCT
abrj-495	331	10	singh	singh	PROPN
abrj-495	331	11	,	,	PUNCT
abrj-495	331	12	a.	a.	NOUN
abrj-495	331	13	,	,	PUNCT
abrj-495	331	14	ravi	ravi	PROPN
abrj-495	331	15	,	,	PUNCT
abrj-495	331	16	r.	r.	PROPN
abrj-495	331	17	,	,	PUNCT
abrj-495	331	18	&	&	CCONJ
abrj-495	331	19	badhusha	badhusha	PROPN
abrj-495	331	20	,	,	PUNCT
abrj-495	331	21	m.	m.	NOUN
abrj-495	331	22	h.	h.	PROPN
abrj-495	331	23	n.	n.	PROPN
abrj-495	331	24	(	(	PUNCT
abrj-495	331	25	2024	2024	NUM
abrj-495	331	26	)	)	PUNCT
abrj-495	331	27	.	.	PUNCT
abrj-495	332	1	an	an	DET
abrj-495	332	2	analysis	analysis	NOUN
abrj-495	332	3	of	of	ADP
abrj-495	332	4	factors	factor	NOUN
abrj-495	332	5	influencing	influence	VERB
abrj-495	332	6	consumer	consumer	NOUN
abrj-495	332	7	trust	trust	NOUN
abrj-495	332	8	in	in	ADP
abrj-495	332	9	online	online	ADJ
abrj-495	332	10	banking	banking	NOUN
abrj-495	332	11	security	security	NOUN
abrj-495	332	12	measures	measure	NOUN
abrj-495	332	13	.	.	PUNCT
abrj-495	333	1	educational	educational	ADJ
abrj-495	333	2	administration	administration	NOUN
abrj-495	333	3	:	:	PUNCT
abrj-495	333	4	theory	theory	NOUN
abrj-495	333	5	and	and	CCONJ
abrj-495	333	6	practice	practice	NOUN
abrj-495	333	7	,	,	PUNCT
abrj-495	333	8	30(2	30(2	NUM
abrj-495	333	9	)	)	PUNCT
abrj-495	333	10	,	,	PUNCT
abrj-495	333	11	660–666	660–666	NUM
abrj-495	333	12	.	.	PUNCT
abrj-495	333	13	https://doi.org/10.53555/kuey.v30i2.1742	https://doi.org/10.53555/kuey.v30i2.1742	PUNCT
abrj-495	333	14	clark	clark	PROPN
abrj-495	333	15	,	,	PUNCT
abrj-495	333	16	r.	r.	PROPN
abrj-495	333	17	,	,	PUNCT
abrj-495	333	18	reed	reed	PROPN
abrj-495	333	19	,	,	PUNCT
abrj-495	333	20	j.	j.	PROPN
abrj-495	333	21	,	,	PUNCT
abrj-495	333	22	&	&	CCONJ
abrj-495	333	23	sunderland	sunderland	PROPN
abrj-495	333	24	,	,	PUNCT
abrj-495	333	25	t.	t.	PROPN
abrj-495	333	26	(	(	PUNCT
abrj-495	333	27	2018	2018	NUM
abrj-495	333	28	)	)	PUNCT
abrj-495	333	29	.	.	PUNCT
abrj-495	334	1	bridging	bridge	VERB
abrj-495	334	2	funding	funding	NOUN
abrj-495	334	3	gaps	gap	NOUN
abrj-495	334	4	for	for	ADP
abrj-495	334	5	climate	climate	NOUN
abrj-495	334	6	and	and	CCONJ
abrj-495	334	7	sustainable	sustainable	ADJ
abrj-495	334	8	development	development	NOUN
abrj-495	334	9	:	:	PUNCT
abrj-495	334	10	pitfalls	pitfall	NOUN
abrj-495	334	11	,	,	PUNCT
abrj-495	334	12	progress	progress	NOUN
abrj-495	334	13	and	and	CCONJ
abrj-495	334	14	potential	potential	NOUN
abrj-495	334	15	of	of	ADP
abrj-495	334	16	private	private	ADJ
abrj-495	334	17	finance	finance	NOUN
abrj-495	334	18	.	.	PUNCT
abrj-495	335	1	land	land	NOUN
abrj-495	335	2	use	use	NOUN
abrj-495	335	3	policy	policy	NOUN
abrj-495	335	4	,	,	PUNCT
abrj-495	335	5	71	71	NUM
abrj-495	335	6	,	,	PUNCT
abrj-495	335	7	335–346	335–346	NUM
abrj-495	335	8	.	.	PUNCT
abrj-495	336	1	https://doi.org/10.1016/j.landusepol.2017.12.013	https://doi.org/10.1016/j.landusepol.2017.12.013	ADJ
abrj-495	336	2	cuadros	cuadro	NOUN
abrj-495	336	3	-	-	NOUN
abrj-495	336	4	solas	sola	NOUN
abrj-495	336	5	,	,	PUNCT
abrj-495	336	6	p.	p.	PROPN
abrj-495	336	7	j.	j.	PROPN
abrj-495	336	8	,	,	PUNCT
abrj-495	336	9	cubillas	cubillas	PROPN
abrj-495	336	10	,	,	PUNCT
abrj-495	336	11	e.	e.	PROPN
abrj-495	336	12	,	,	PUNCT
abrj-495	336	13	salvador	salvador	PROPN
abrj-495	336	14	,	,	PUNCT
abrj-495	336	15	c.	c.	PROPN
abrj-495	336	16	,	,	PUNCT
abrj-495	336	17	&	&	CCONJ
abrj-495	336	18	suárez	suárez	PROPN
abrj-495	336	19	,	,	PUNCT
abrj-495	336	20	n.	n.	NOUN
abrj-495	336	21	(	(	PUNCT
abrj-495	336	22	2024	2024	NUM
abrj-495	336	23	)	)	PUNCT
abrj-495	336	24	.	.	PUNCT
abrj-495	337	1	digital	digital	ADJ
abrj-495	337	2	disruptors	disruptor	NOUN
abrj-495	337	3	at	at	ADP
abrj-495	337	4	the	the	DET
abrj-495	337	5	gate	gate	NOUN
abrj-495	337	6	:	:	PUNCT
abrj-495	337	7	does	do	AUX
abrj-495	337	8	fintech	fintech	NOUN
abrj-495	337	9	lending	lending	NOUN
abrj-495	337	10	affect	affect	VERB
abrj-495	337	11	bank	bank	NOUN
abrj-495	337	12	market	market	NOUN
abrj-495	337	13	power	power	NOUN
abrj-495	337	14	and	and	CCONJ
abrj-495	337	15	stability	stability	NOUN
abrj-495	337	16	?	?	PUNCT
abrj-495	338	1	journal	journal	NOUN
abrj-495	338	2	of	of	ADP
abrj-495	338	3	international	international	ADJ
abrj-495	338	4	financial	financial	ADJ
abrj-495	338	5	markets	market	NOUN
abrj-495	338	6	,	,	PUNCT
abrj-495	338	7	institutions	institution	NOUN
abrj-495	338	8	and	and	CCONJ
abrj-495	338	9	money	money	NOUN
abrj-495	338	10	,	,	PUNCT
abrj-495	338	11	92	92	NUM
abrj-495	338	12	,	,	PUNCT
abrj-495	338	13	article	article	NOUN
abrj-495	338	14	101964	101964	NUM
abrj-495	338	15	.	.	PUNCT
abrj-495	339	1	https://doi.org/10.1016/j.intfin.2024.101964	https://doi.org/10.1016/j.intfin.2024.101964	PROPN
abrj-495	339	2	davis	davis	PROPN
abrj-495	339	3	,	,	PUNCT
abrj-495	339	4	f.	f.	PROPN
abrj-495	339	5	d.	d.	PROPN
abrj-495	339	6	(	(	PUNCT
abrj-495	339	7	1989	1989	NUM
abrj-495	339	8	)	)	PUNCT
abrj-495	339	9	.	.	PUNCT
abrj-495	340	1	perceived	perceive	VERB
abrj-495	340	2	usefulness	usefulness	NOUN
abrj-495	340	3	,	,	PUNCT
abrj-495	340	4	perceived	perceive	VERB
abrj-495	340	5	ease	ease	NOUN
abrj-495	340	6	of	of	ADP
abrj-495	340	7	use	use	NOUN
abrj-495	340	8	,	,	PUNCT
abrj-495	340	9	and	and	CCONJ
abrj-495	340	10	user	user	NOUN
abrj-495	340	11	acceptance	acceptance	NOUN
abrj-495	340	12	of	of	ADP
abrj-495	340	13	information	information	NOUN
abrj-495	340	14	technology	technology	NOUN
abrj-495	340	15	.	.	PUNCT
abrj-495	341	1	mis	mis	PROPN
abrj-495	341	2	quarterly	quarterly	PROPN
abrj-495	341	3	,	,	PUNCT
abrj-495	341	4	13(3	13(3	NUM
abrj-495	341	5	)	)	PUNCT
abrj-495	341	6	,	,	PUNCT
abrj-495	341	7	319	319	NUM
abrj-495	341	8	–	–	PUNCT
abrj-495	341	9	340	340	NUM
abrj-495	341	10	.	.	PUNCT
abrj-495	342	1	https://doi.org/10.2307/249008	https://doi.org/10.2307/249008	NOUN
abrj-495	342	2	dervishaj	dervishaj	PROPN
abrj-495	342	3	,	,	PUNCT
abrj-495	342	4	b.	b.	PROPN
abrj-495	342	5	(	(	PUNCT
abrj-495	342	6	2021	2021	NUM
abrj-495	342	7	)	)	PUNCT
abrj-495	342	8	.	.	PUNCT
abrj-495	343	1	psychological	psychological	ADJ
abrj-495	343	2	biases	bias	NOUN
abrj-495	343	3	,	,	PUNCT
abrj-495	343	4	main	main	ADJ
abrj-495	343	5	factors	factor	NOUN
abrj-495	343	6	of	of	ADP
abrj-495	343	7	financial	financial	ADJ
abrj-495	343	8	behaviour	behaviour	NOUN
abrj-495	343	9	–	–	PUNCT
abrj-495	343	10	a	a	DET
abrj-495	343	11	literature	literature	NOUN
abrj-495	343	12	review	review	NOUN
abrj-495	343	13	.	.	PUNCT
abrj-495	344	1	european	european	PROPN
abrj-495	344	2	journal	journal	PROPN
abrj-495	344	3	of	of	ADP
abrj-495	344	4	medicine	medicine	NOUN
abrj-495	344	5	and	and	CCONJ
abrj-495	344	6	natural	natural	ADJ
abrj-495	344	7	sciences	science	NOUN
abrj-495	344	8	,	,	PUNCT
abrj-495	344	9	4(1	4(1	NOUN
abrj-495	344	10	)	)	PUNCT
abrj-495	344	11	,	,	PUNCT
abrj-495	344	12	27–44	27–44	NUM
abrj-495	344	13	.	.	PUNCT
abrj-495	344	14	https://doi.org/10.26417/ghmax638	https://doi.org/10.26417/ghmax638	ADJ
abrj-495	344	15	ekayani	ekayani	NOUN
abrj-495	344	16	,	,	PUNCT
abrj-495	344	17	n.	n.	PROPN
abrj-495	344	18	n.	n.	PROPN
abrj-495	344	19	s.	s.	PROPN
abrj-495	344	20	,	,	PUNCT
abrj-495	344	21	kartana	kartana	PROPN
abrj-495	344	22	,	,	PUNCT
abrj-495	344	23	i.	i.	PROPN
abrj-495	344	24	w.	w.	PROPN
abrj-495	344	25	,	,	PUNCT
abrj-495	344	26	putra	putra	PROPN
abrj-495	344	27	,	,	PUNCT
abrj-495	344	28	i.	i.	PROPN
abrj-495	344	29	m.	m.	PROPN
abrj-495	344	30	w.	w.	PROPN
abrj-495	344	31	,	,	PUNCT
abrj-495	344	32	diviariesty	diviariesty	PROPN
abrj-495	344	33	,	,	PUNCT
abrj-495	344	34	k.	k.	PROPN
abrj-495	344	35	,	,	PUNCT
abrj-495	344	36	darma	darma	PROPN
abrj-495	344	37	,	,	PUNCT
abrj-495	344	38	d.	d.	PROPN
abrj-495	344	39	c.	c.	PROPN
abrj-495	344	40	,	,	PUNCT
abrj-495	344	41	&	&	CCONJ
abrj-495	344	42	setini	setini	PROPN
abrj-495	344	43	,	,	PUNCT
abrj-495	344	44	m.	m.	NOUN
abrj-495	344	45	(	(	PUNCT
abrj-495	344	46	2024	2024	NUM
abrj-495	344	47	)	)	PUNCT
abrj-495	344	48	.	.	PUNCT
abrj-495	345	1	the	the	DET
abrj-495	345	2	mediating	mediate	VERB
abrj-495	345	3	effect	effect	NOUN
abrj-495	345	4	of	of	ADP
abrj-495	345	5	access	access	NOUN
abrj-495	345	6	to	to	ADP
abrj-495	345	7	capital	capital	NOUN
abrj-495	345	8	in	in	ADP
abrj-495	345	9	the	the	DET
abrj-495	345	10	impact	impact	NOUN
abrj-495	345	11	of	of	ADP
abrj-495	345	12	financial	financial	ADJ
abrj-495	345	13	literacy	literacy	NOUN
abrj-495	345	14	and	and	CCONJ
abrj-495	345	15	financial	financial	ADJ
abrj-495	345	16	inclusion	inclusion	NOUN
abrj-495	345	17	on	on	ADP
abrj-495	345	18	sme	sme	NOUN
abrj-495	345	19	sustainability	sustainability	PROPN
abrj-495	345	20	.	.	PUNCT
abrj-495	346	1	journal	journal	NOUN
abrj-495	346	2	of	of	ADP
abrj-495	346	3	corporate	corporate	ADJ
abrj-495	346	4	finance	finance	NOUN
abrj-495	346	5	research	research	NOUN
abrj-495	346	6	,	,	PUNCT
abrj-495	346	7	18(4	18(4	NUM
abrj-495	346	8	)	)	PUNCT
abrj-495	346	9	,	,	PUNCT
abrj-495	346	10	136	136	NUM
abrj-495	346	11	–	–	PUNCT
abrj-495	346	12	151	151	NUM
abrj-495	346	13	.	.	PUNCT
abrj-495	346	14	https://doi.org/10.17323/j.jcfr.2073-0438.18.4.2024.136-151	https://doi.org/10.17323/j.jcfr.2073-0438.18.4.2024.136-151	NOUN
abrj-495	346	15	financial	financial	ADJ
abrj-495	346	16	services	service	NOUN
abrj-495	346	17	authority	authority	NOUN
abrj-495	346	18	.	.	PUNCT
abrj-495	347	1	(	(	PUNCT
abrj-495	347	2	2024	2024	NUM
abrj-495	347	3	)	)	PUNCT
abrj-495	347	4	.	.	PUNCT
abrj-495	348	1	laporan	laporan	ADJ
abrj-495	348	2	kinerja	kinerja	PROPN
abrj-495	348	3	ojk	ojk	NOUN
abrj-495	348	4	triwulan	triwulan	NOUN
abrj-495	348	5	iv	iv	NUM
abrj-495	348	6	–	–	PUNCT
abrj-495	348	7	2024	2024	NUM
abrj-495	348	8	[	[	X
abrj-495	348	9	ojk	ojk	NOUN
abrj-495	348	10	performance	performance	NOUN
abrj-495	348	11	report	report	NOUN
abrj-495	348	12	4th	4th	ADJ
abrj-495	348	13	quarter	quarter	NOUN
abrj-495	348	14	2024	2024	NUM
abrj-495	348	15	]	]	PUNCT
abrj-495	348	16	.	.	PUNCT
abrj-495	349	1	https://ojk.go.id/id/data-dan-statistik/laporan-triwulanan/documents/laporan%20triwulan%20iv%20-%202024.pdf	https://ojk.go.id/id/data-dan-statistik/laporan-triwulanan/documents/laporan%20triwulan%20iv%20-%202024.pdf	PROPN
abrj-495	349	2	financial	financial	PROPN
abrj-495	349	3	services	service	NOUN
abrj-495	349	4	authority	authority	NOUN
abrj-495	349	5	.	.	PUNCT
abrj-495	350	1	(	(	PUNCT
abrj-495	350	2	2025	2025	NUM
abrj-495	350	3	)	)	PUNCT
abrj-495	350	4	.	.	PUNCT
abrj-495	351	1	strategi	strategi	PROPN
abrj-495	351	2	nasional	nasional	PROPN
abrj-495	351	3	literasi	literasi	PROPN
abrj-495	351	4	keuangan	keuangan	PROPN
abrj-495	351	5	indonesia	indonesia	PROPN
abrj-495	351	6	(	(	PUNCT
abrj-495	351	7	snlki	snlki	ADJ
abrj-495	351	8	)	)	PUNCT
abrj-495	351	9	2021–2025	2021–2025	NUM
abrj-495	352	1	[	[	X
abrj-495	352	2	indonesia	indonesia	PROPN
abrj-495	352	3	's	's	PART
abrj-495	352	4	national	national	ADJ
abrj-495	352	5	financial	financial	ADJ
abrj-495	352	6	literacy	literacy	NOUN
abrj-495	352	7	strategy	strategy	NOUN
abrj-495	352	8	2021–2025	2021–2025	NUM
abrj-495	352	9	]	]	PUNCT
abrj-495	352	10	.	.	PUNCT
abrj-495	353	1	https://www.ojk.go.id/id/berita-dan-kegiatan/publikasi/documents/pages/strategi-nasionalliterasi-keuangan-indonesia-20212025/strategi%20nasional%20literasi%20keuangan%20indonesia%20%28snlki%29%202021%20%202025.pdf	https://www.ojk.go.id/id/berita-dan-kegiatan/publikasi/documents/pages/strategi-nasionalliterasi-keuangan-indonesia-20212025/strategi%20nasional%20literasi%20keuangan%20indonesia%20%28snlki%29%202021%20%202025.pdf	PROPN
abrj-495	353	2	firoozzare	firoozzare	PROPN
abrj-495	353	3	,	,	PUNCT
abrj-495	353	4	a.	a.	NOUN
abrj-495	353	5	,	,	PUNCT
abrj-495	353	6	boccia	boccia	PROPN
abrj-495	353	7	,	,	PUNCT
abrj-495	353	8	f.	f.	PROPN
abrj-495	353	9	,	,	PUNCT
abrj-495	353	10	yousefian	yousefian	ADJ
abrj-495	353	11	,	,	PUNCT
abrj-495	353	12	n.	n.	NOUN
abrj-495	353	13	,	,	PUNCT
abrj-495	353	14	ghazanfari	ghazanfari	PROPN
abrj-495	353	15	,	,	PUNCT
abrj-495	353	16	s.	s.	PROPN
abrj-495	353	17	,	,	PUNCT
abrj-495	353	18	&	&	CCONJ
abrj-495	353	19	pakook	pakook	PROPN
abrj-495	353	20	,	,	PUNCT
abrj-495	353	21	s.	s.	PROPN
abrj-495	353	22	(	(	PUNCT
abrj-495	353	23	2024	2024	NUM
abrj-495	353	24	)	)	PUNCT
abrj-495	353	25	.	.	PUNCT
abrj-495	354	1	understanding	understand	VERB
abrj-495	354	2	the	the	DET
abrj-495	354	3	role	role	NOUN
abrj-495	354	4	of	of	ADP
abrj-495	354	5	awareness	awareness	NOUN
abrj-495	354	6	and	and	CCONJ
abrj-495	354	7	trust	trust	NOUN
abrj-495	354	8	in	in	ADP
abrj-495	354	9	consumer	consumer	NOUN
abrj-495	354	10	purchase	purchase	NOUN
abrj-495	354	11	decisions	decision	NOUN
abrj-495	354	12	for	for	ADP
abrj-495	354	13	healthy	healthy	ADJ
abrj-495	354	14	food	food	NOUN
abrj-495	354	15	and	and	CCONJ
abrj-495	354	16	products	product	NOUN
abrj-495	354	17	.	.	PUNCT
abrj-495	355	1	food	food	NOUN
abrj-495	355	2	quality	quality	NOUN
abrj-495	355	3	and	and	CCONJ
abrj-495	355	4	preference	preference	NOUN
abrj-495	355	5	,	,	PUNCT
abrj-495	355	6	121	121	NUM
abrj-495	355	7	,	,	PUNCT
abrj-495	355	8	article	article	NOUN
abrj-495	355	9	105275	105275	NUM
abrj-495	355	10	.	.	PUNCT
abrj-495	356	1	https://doi.org/10.1016/j.foodqual.2024.105275	https://doi.org/10.1016/j.foodqual.2024.105275	PROPN
abrj-495	356	2	hipólito	hipólito	PROPN
abrj-495	356	3	,	,	PUNCT
abrj-495	356	4	f.	f.	PROPN
abrj-495	356	5	,	,	PUNCT
abrj-495	356	6	dias	dias	PROPN
abrj-495	356	7	,	,	PUNCT
abrj-495	356	8	á	á	PROPN
abrj-495	356	9	.	.	PROPN
abrj-495	356	10	,	,	PUNCT
abrj-495	356	11	&	&	CCONJ
abrj-495	356	12	pereira	pereira	PROPN
abrj-495	356	13	,	,	PUNCT
abrj-495	356	14	l.	l.	PROPN
abrj-495	356	15	(	(	PUNCT
abrj-495	356	16	2025	2025	NUM
abrj-495	356	17	)	)	PUNCT
abrj-495	356	18	.	.	PUNCT
abrj-495	357	1	influence	influence	NOUN
abrj-495	357	2	of	of	ADP
abrj-495	357	3	consumer	consumer	NOUN
abrj-495	357	4	trust	trust	NOUN
abrj-495	357	5	,	,	PUNCT
abrj-495	357	6	return	return	VERB
abrj-495	357	7	policy	policy	NOUN
abrj-495	357	8	,	,	PUNCT
abrj-495	357	9	and	and	CCONJ
abrj-495	357	10	risk	risk	NOUN
abrj-495	357	11	perception	perception	NOUN
abrj-495	357	12	on	on	ADP
abrj-495	357	13	satisfaction	satisfaction	NOUN
abrj-495	357	14	with	with	ADP
abrj-495	357	15	the	the	DET
abrj-495	357	16	online	online	ADJ
abrj-495	357	17	shopping	shopping	NOUN
abrj-495	357	18	experience	experience	NOUN
abrj-495	357	19	.	.	PUNCT
abrj-495	358	1	systems	system	NOUN
abrj-495	358	2	,	,	PUNCT
abrj-495	358	3	13(3	13(3	NUM
abrj-495	358	4	)	)	PUNCT
abrj-495	358	5	,	,	PUNCT
abrj-495	358	6	article	article	NOUN
abrj-495	358	7	158	158	NUM
abrj-495	358	8	.	.	PUNCT
abrj-495	359	1	https://doi.org/10.3390/systems13030158	https://doi.org/10.3390/systems13030158	PROPN
abrj-495	359	2	huda	huda	PROPN
abrj-495	359	3	,	,	PUNCT
abrj-495	359	4	m.	m.	NOUN
abrj-495	359	5	,	,	PUNCT
abrj-495	359	6	ajizah	ajizah	PROPN
abrj-495	359	7	,	,	PUNCT
abrj-495	359	8	n.	n.	NOUN
abrj-495	359	9	,	,	PUNCT
abrj-495	359	10	nuzil	nuzil	PROPN
abrj-495	359	11	,	,	PUNCT
abrj-495	359	12	n.	n.	PROPN
abrj-495	359	13	r.	r.	PROPN
abrj-495	359	14	,	,	PUNCT
abrj-495	359	15	&	&	CCONJ
abrj-495	359	16	fachruddin	fachruddin	PROPN
abrj-495	359	17	,	,	PUNCT
abrj-495	359	18	w.	w.	NOUN
abrj-495	359	19	(	(	PUNCT
abrj-495	359	20	2024	2024	NUM
abrj-495	359	21	)	)	PUNCT
abrj-495	359	22	.	.	PUNCT
abrj-495	360	1	the	the	DET
abrj-495	360	2	influence	influence	NOUN
abrj-495	360	3	of	of	ADP
abrj-495	360	4	financial	financial	ADJ
abrj-495	360	5	inclusion	inclusion	NOUN
abrj-495	360	6	and	and	CCONJ
abrj-495	360	7	financial	financial	ADJ
abrj-495	360	8	technology	technology	NOUN
abrj-495	360	9	on	on	ADP
abrj-495	360	10	the	the	DET
abrj-495	360	11	intention	intention	NOUN
abrj-495	360	12	to	to	PART
abrj-495	360	13	use	use	VERB
abrj-495	360	14	online	online	ADJ
abrj-495	360	15	loans	loan	NOUN
abrj-495	360	16	:	:	PUNCT
abrj-495	360	17	financial	financial	ADJ
abrj-495	360	18	behavior	behavior	NOUN
abrj-495	360	19	as	as	ADP
abrj-495	360	20	an	an	DET
abrj-495	360	21	intervening	intervene	VERB
abrj-495	360	22	variable	variable	NOUN
abrj-495	360	23	.	.	PUNCT
abrj-495	361	1	journal	journal	PROPN
abrj-495	361	2	of	of	ADP
abrj-495	361	3	ecohumanism	ecohumanism	NOUN
abrj-495	361	4	,	,	PUNCT
abrj-495	361	5	3(8	3(8	NUM
abrj-495	361	6	)	)	PUNCT
abrj-495	361	7	,	,	PUNCT
abrj-495	361	8	180–189	180–189	NUM
abrj-495	361	9	.	.	PUNCT
abrj-495	362	1	https://doi.org/10.62754/joe.v3i8.4722	https://doi.org/10.62754/joe.v3i8.4722	NUM
abrj-495	362	2	hong	hong	PROPN
abrj-495	362	3	,	,	PUNCT
abrj-495	362	4	i.	i.	PROPN
abrj-495	362	5	b.	b.	PROPN
abrj-495	362	6	,	,	PUNCT
abrj-495	362	7	&	&	CCONJ
abrj-495	362	8	cha	cha	PROPN
abrj-495	362	9	,	,	PUNCT
abrj-495	362	10	h.	h.	PROPN
abrj-495	362	11	s.	s.	PROPN
abrj-495	362	12	(	(	PUNCT
abrj-495	362	13	2013	2013	NUM
abrj-495	362	14	)	)	PUNCT
abrj-495	362	15	.	.	PUNCT
abrj-495	363	1	the	the	DET
abrj-495	363	2	mediating	mediate	VERB
abrj-495	363	3	role	role	NOUN
abrj-495	363	4	of	of	ADP
abrj-495	363	5	consumer	consumer	NOUN
abrj-495	363	6	trust	trust	NOUN
abrj-495	363	7	in	in	ADP
abrj-495	363	8	an	an	DET
abrj-495	363	9	online	online	ADJ
abrj-495	363	10	merchant	merchant	NOUN
abrj-495	363	11	in	in	ADP
abrj-495	363	12	predicting	predict	VERB
abrj-495	363	13	purchase	purchase	NOUN
abrj-495	363	14	intention	intention	NOUN
abrj-495	363	15	.	.	PUNCT
abrj-495	364	1	international	international	ADJ
abrj-495	364	2	journal	journal	PROPN
abrj-495	364	3	of	of	ADP
abrj-495	364	4	information	information	NOUN
abrj-495	364	5	management	management	NOUN
abrj-495	364	6	,	,	PUNCT
abrj-495	364	7	33(6	33(6	PROPN
abrj-495	364	8	)	)	PUNCT
abrj-495	364	9	,	,	PUNCT
abrj-495	364	10	927–939	927–939	NUM
abrj-495	364	11	.	.	PUNCT
abrj-495	365	1	https://doi.org/10.1016/j.ijinfomgt.2013.08.007	https://doi.org/10.1016/j.ijinfomgt.2013.08.007	PROPN
abrj-495	365	2	hwang	hwang	PROPN
abrj-495	365	3	,	,	PUNCT
abrj-495	365	4	h.	h.	PROPN
abrj-495	365	5	,	,	PUNCT
abrj-495	365	6	&	&	CCONJ
abrj-495	365	7	park	park	PROPN
abrj-495	365	8	,	,	PUNCT
abrj-495	365	9	h.	h.	PROPN
abrj-495	365	10	i.	i.	PROPN
abrj-495	365	11	(	(	PUNCT
abrj-495	365	12	2023	2023	NUM
abrj-495	365	13	)	)	PUNCT
abrj-495	365	14	.	.	PUNCT
abrj-495	366	1	the	the	DET
abrj-495	366	2	relationships	relationship	NOUN
abrj-495	366	3	of	of	ADP
abrj-495	366	4	financial	financial	ADJ
abrj-495	366	5	literacy	literacy	NOUN
abrj-495	366	6	with	with	ADP
abrj-495	366	7	both	both	CCONJ
abrj-495	366	8	financial	financial	ADJ
abrj-495	366	9	behavior	behavior	NOUN
abrj-495	366	10	and	and	CCONJ
abrj-495	366	11	financial	financial	ADJ
abrj-495	366	12	well‐being	well‐being	NOUN
abrj-495	366	13	:	:	PUNCT
abrj-495	366	14	meta‐analyses	meta‐analyse	NOUN
abrj-495	366	15	based	base	VERB
abrj-495	366	16	on	on	ADP
abrj-495	366	17	the	the	DET
abrj-495	366	18	selective	selective	ADJ
abrj-495	366	19	literature	literature	PROPN
abrj-495	366	20	review	review	PROPN
abrj-495	366	21	.	.	PUNCT
abrj-495	367	1	journal	journal	PROPN
abrj-495	367	2	of	of	ADP
abrj-495	367	3	consumer	consumer	NOUN
abrj-495	367	4	affairs	affair	NOUN
abrj-495	367	5	,	,	PUNCT
abrj-495	367	6	57(1	57(1	NUM
abrj-495	367	7	)	)	PUNCT
abrj-495	367	8	,	,	PUNCT
abrj-495	367	9	222–244	222–244	NUM
abrj-495	367	10	.	.	PUNCT
abrj-495	368	1	https://doi.org/10.1111/joca.12497	https://doi.org/10.1111/joca.12497	PROPN
abrj-495	368	2	jafri	jafri	PROPN
abrj-495	368	3	,	,	PUNCT
abrj-495	368	4	j.	j.	PROPN
abrj-495	368	5	a.	a.	PROPN
abrj-495	368	6	,	,	PUNCT
abrj-495	368	7	mohd	mohd	PROPN
abrj-495	368	8	amin	amin	PROPN
abrj-495	368	9	,	,	PUNCT
abrj-495	368	10	s.	s.	PROPN
abrj-495	368	11	i.	i.	PROPN
abrj-495	368	12	,	,	PUNCT
abrj-495	368	13	abdul	abdul	PROPN
abrj-495	368	14	rahman	rahman	PROPN
abrj-495	368	15	,	,	PUNCT
abrj-495	368	16	a.	a.	PROPN
abrj-495	368	17	,	,	PUNCT
abrj-495	368	18	&	&	CCONJ
abrj-495	368	19	mohd	mohd	PROPN
abrj-495	368	20	nor	nor	CCONJ
abrj-495	368	21	,	,	PUNCT
abrj-495	368	22	s.	s.	PROPN
abrj-495	368	23	(	(	PUNCT
abrj-495	368	24	2023	2023	NUM
abrj-495	368	25	)	)	PUNCT
abrj-495	368	26	.	.	PUNCT
abrj-495	369	1	a	a	DET
abrj-495	369	2	systematic	systematic	ADJ
abrj-495	369	3	literature	literature	NOUN
abrj-495	369	4	review	review	NOUN
abrj-495	369	5	of	of	ADP
abrj-495	369	6	the	the	DET
abrj-495	369	7	role	role	NOUN
abrj-495	369	8	of	of	ADP
abrj-495	369	9	trust	trust	NOUN
abrj-495	369	10	and	and	CCONJ
abrj-495	369	11	security	security	NOUN
abrj-495	369	12	on	on	ADP
abrj-495	369	13	fintech	fintech	NOUN
abrj-495	369	14	adoption	adoption	NOUN
abrj-495	369	15	in	in	ADP
abrj-495	369	16	banking	banking	NOUN
abrj-495	369	17	.	.	PUNCT
abrj-495	370	1	heliyon	heliyon	NOUN
abrj-495	370	2	,	,	PUNCT
abrj-495	370	3	10(1	10(1	NUM
abrj-495	370	4	)	)	PUNCT
abrj-495	370	5	,	,	PUNCT
abrj-495	370	6	article	article	NOUN
abrj-495	370	7	e22980	e22980	PROPN
abrj-495	370	8	.	.	PUNCT
abrj-495	371	1	https://doi.org/10.1016/j.heliyon.2023.e22980	https://doi.org/10.1016/j.heliyon.2023.e22980	PROPN
abrj-495	371	2	jarvenpaa	jarvenpaa	PROPN
abrj-495	371	3	,	,	PUNCT
abrj-495	371	4	s.	s.	PROPN
abrj-495	371	5	l.	l.	PROPN
abrj-495	371	6	,	,	PUNCT
abrj-495	371	7	tractinsky	tractinsky	PROPN
abrj-495	371	8	,	,	PUNCT
abrj-495	371	9	n.	n.	NOUN
abrj-495	371	10	,	,	PUNCT
abrj-495	371	11	&	&	CCONJ
abrj-495	371	12	vitale	vitale	PROPN
abrj-495	371	13	,	,	PUNCT
abrj-495	371	14	m.	m.	NOUN
abrj-495	371	15	(	(	PUNCT
abrj-495	371	16	2000	2000	NUM
abrj-495	371	17	)	)	PUNCT
abrj-495	371	18	.	.	PUNCT
abrj-495	372	1	consumer	consumer	NOUN
abrj-495	372	2	trust	trust	NOUN
abrj-495	372	3	in	in	ADP
abrj-495	372	4	an	an	DET
abrj-495	372	5	internet	internet	NOUN
abrj-495	372	6	store	store	NOUN
abrj-495	372	7	.	.	PUNCT
abrj-495	373	1	information	information	NOUN
abrj-495	373	2	technology	technology	NOUN
abrj-495	373	3	and	and	CCONJ
abrj-495	373	4	management	management	NOUN
abrj-495	373	5	,	,	PUNCT
abrj-495	373	6	1(1–2	1(1–2	PROPN
abrj-495	373	7	)	)	PUNCT
abrj-495	373	8	,	,	PUNCT
abrj-495	373	9	45	45	NUM
abrj-495	373	10	–	–	SYM
abrj-495	373	11	71	71	NUM
abrj-495	373	12	.	.	PUNCT
abrj-495	374	1	https://doi.org/10.1023/a:1019104520776	https://doi.org/10.1023/a:1019104520776	PROPN
abrj-495	374	2	johnson	johnson	PROPN
abrj-495	374	3	,	,	PUNCT
abrj-495	374	4	w.	w.	PROPN
abrj-495	374	5	c.	c.	PROPN
abrj-495	374	6	(	(	PUNCT
abrj-495	374	7	2025	2025	NUM
abrj-495	374	8	)	)	PUNCT
abrj-495	374	9	.	.	PUNCT
abrj-495	375	1	fintech	fintech	NOUN
abrj-495	375	2	practices	practice	NOUN
abrj-495	375	3	and	and	CCONJ
abrj-495	375	4	banking	banking	NOUN
abrj-495	375	5	regulation	regulation	NOUN
abrj-495	375	6	.	.	PUNCT
abrj-495	376	1	https://doi.org/10.2139/ssrn.5286312	https://doi.org/10.2139/ssrn.5286312	PROPN
abrj-495	376	2	kartini	kartini	PROPN
abrj-495	376	3	,	,	PUNCT
abrj-495	376	4	k.	k.	PROPN
abrj-495	376	5	,	,	PUNCT
abrj-495	376	6	fitri	fitri	PROPN
abrj-495	376	7	,	,	PUNCT
abrj-495	376	8	f.	f.	PROPN
abrj-495	376	9	,	,	PUNCT
abrj-495	376	10	rabiyah	rabiyah	PROPN
abrj-495	376	11	,	,	PUNCT
abrj-495	376	12	u.	u.	PROPN
abrj-495	376	13	,	,	PUNCT
abrj-495	376	14	&	&	CCONJ
abrj-495	376	15	anggraeni	anggraeni	PROPN
abrj-495	376	16	,	,	PUNCT
abrj-495	376	17	d.	d.	PROPN
abrj-495	376	18	(	(	PUNCT
abrj-495	376	19	2020	2020	NUM
abrj-495	376	20	)	)	PUNCT
abrj-495	376	21	.	.	PUNCT
abrj-495	377	1	analysis	analysis	NOUN
abrj-495	377	2	of	of	ADP
abrj-495	377	3	the	the	DET
abrj-495	377	4	financial	financial	ADJ
abrj-495	377	5	literacy	literacy	NOUN
abrj-495	377	6	behavior	behavior	NOUN
abrj-495	377	7	model	model	NOUN
abrj-495	377	8	.	.	PUNCT
abrj-495	378	1	golden	golden	ADJ
abrj-495	378	2	ratio	ratio	NOUN
abrj-495	378	3	of	of	ADP
abrj-495	378	4	finance	finance	NOUN
abrj-495	378	5	management	management	NOUN
abrj-495	378	6	,	,	PUNCT
abrj-495	378	7	1(2	1(2	NUM
abrj-495	378	8	)	)	PUNCT
abrj-495	378	9	,	,	PUNCT
abrj-495	378	10	114–122	114–122	NUM
abrj-495	378	11	.	.	PUNCT
abrj-495	379	1	https://doi.org/10.52970/grfm.v1i2.69	https://doi.org/10.52970/grfm.v1i2.69	PROPN
abrj-495	379	2	kim	kim	PROPN
abrj-495	379	3	,	,	PUNCT
abrj-495	379	4	j.	j.	PROPN
abrj-495	379	5	,	,	PUNCT
abrj-495	379	6	merrill	merrill	PROPN
abrj-495	379	7	jr	jr	PROPN
abrj-495	379	8	.	.	PROPN
abrj-495	379	9	,	,	PUNCT
abrj-495	379	10	k.	k.	PROPN
abrj-495	379	11	,	,	PUNCT
abrj-495	379	12	xu	xu	PROPN
abrj-495	379	13	,	,	PUNCT
abrj-495	379	14	k.	k.	PROPN
abrj-495	379	15	,	,	PUNCT
abrj-495	379	16	&	&	CCONJ
abrj-495	379	17	kelly	kelly	PROPN
abrj-495	379	18	,	,	PUNCT
abrj-495	379	19	s.	s.	PROPN
abrj-495	379	20	(	(	PUNCT
abrj-495	379	21	2022	2022	NUM
abrj-495	379	22	)	)	PUNCT
abrj-495	379	23	.	.	PUNCT
abrj-495	380	1	perceived	perceive	VERB
abrj-495	380	2	credibility	credibility	NOUN
abrj-495	380	3	of	of	ADP
abrj-495	380	4	an	an	DET
abrj-495	380	5	ai	ai	NOUN
abrj-495	380	6	instructor	instructor	NOUN
abrj-495	380	7	in	in	ADP
abrj-495	380	8	online	online	ADJ
abrj-495	380	9	education	education	NOUN
abrj-495	380	10	:	:	PUNCT
abrj-495	380	11	the	the	DET
abrj-495	380	12	role	role	NOUN
abrj-495	380	13	of	of	ADP
abrj-495	380	14	social	social	ADJ
abrj-495	380	15	presence	presence	NOUN
abrj-495	380	16	and	and	CCONJ
abrj-495	380	17	voice	voice	NOUN
abrj-495	380	18	features	feature	NOUN
abrj-495	380	19	.	.	PUNCT
abrj-495	381	1	computers	computer	NOUN
abrj-495	381	2	in	in	ADP
abrj-495	381	3	human	human	ADJ
abrj-495	381	4	behavior	behavior	NOUN
abrj-495	381	5	,	,	PUNCT
abrj-495	381	6	136	136	NUM
abrj-495	381	7	,	,	PUNCT
abrj-495	381	8	article	article	NOUN
abrj-495	381	9	107383	107383	NUM
abrj-495	381	10	.	.	PUNCT
abrj-495	382	1	https://doi.org/10.1016/j.chb.2022.107383	https://doi.org/10.1016/j.chb.2022.107383	PROPN
abrj-495	382	2	lee	lee	PROPN
abrj-495	382	3	,	,	PUNCT
abrj-495	382	4	j.	j.	PROPN
abrj-495	382	5	,	,	PUNCT
abrj-495	382	6	jung	jung	PROPN
abrj-495	382	7	,	,	PUNCT
abrj-495	382	8	t.	t.	PROPN
abrj-495	382	9	,	,	PUNCT
abrj-495	382	10	tom	tom	PROPN
abrj-495	382	11	dieck	dieck	PROPN
abrj-495	382	12	,	,	PUNCT
abrj-495	382	13	m.	m.	PROPN
abrj-495	382	14	c.	c.	PROPN
abrj-495	382	15	,	,	PUNCT
abrj-495	382	16	garcía	garcía	ADJ
abrj-495	382	17	-	-	PUNCT
abrj-495	382	18	milon	milon	NOUN
abrj-495	382	19	,	,	PUNCT
abrj-495	382	20	a.	a.	NOUN
abrj-495	382	21	,	,	PUNCT
abrj-495	382	22	&	&	CCONJ
abrj-495	382	23	kim	kim	PROPN
abrj-495	382	24	,	,	PUNCT
abrj-495	382	25	c.-s	c.-	NOUN
abrj-495	382	26	.	.	PUNCT
abrj-495	383	1	(	(	PUNCT
abrj-495	383	2	2024	2024	NUM
abrj-495	383	3	)	)	PUNCT
abrj-495	383	4	.	.	PUNCT
abrj-495	384	1	affordance	affordance	PROPN
abrj-495	384	2	,	,	PUNCT
abrj-495	384	3	digital	digital	ADJ
abrj-495	384	4	media	medium	NOUN
abrj-495	384	5	literacy	literacy	NOUN
abrj-495	384	6	,	,	PUNCT
abrj-495	384	7	and	and	CCONJ
abrj-495	384	8	emotions	emotion	NOUN
abrj-495	384	9	in	in	ADP
abrj-495	384	10	virtual	virtual	ADJ
abrj-495	384	11	cultural	cultural	ADJ
abrj-495	384	12	heritage	heritage	NOUN
abrj-495	384	13	tourism	tourism	NOUN
abrj-495	384	14	experiences	experience	NOUN
abrj-495	384	15	.	.	PUNCT
abrj-495	385	1	journal	journal	PROPN
abrj-495	385	2	of	of	ADP
abrj-495	385	3	vacation	vacation	NOUN
abrj-495	385	4	marketing	marketing	NOUN
abrj-495	385	5	.	.	PUNCT
abrj-495	386	1	advance	advance	VERB
abrj-495	386	2	online	online	ADJ
abrj-495	386	3	publication	publication	NOUN
abrj-495	386	4	.	.	PUNCT
abrj-495	387	1	https://doi.org/10.1177/13567667241255383	https://doi.org/10.1177/13567667241255383	ADP
abrj-495	387	2	https://doi.org/10.52131/pjhss.2024.v12i4.2577	https://doi.org/10.52131/pjhss.2024.v12i4.2577	ADV
abrj-495	387	3	https://doi.org/10.24914/jeb.v27i2.11891	https://doi.org/10.24914/jeb.v27i2.11891	PROPN
abrj-495	387	4	https://doi.org/10.35335/ijosea.v13i3.404	https://doi.org/10.35335/ijosea.v13i3.404	NOUN
abrj-495	387	5	https://doi.org/10.3390/computers14040144	https://doi.org/10.3390/computers14040144	PROPN
abrj-495	387	6	https://doi.org/10.1590/1807-7692bar2024230132	https://doi.org/10.1590/1807-7692bar2024230132	PUNCT
abrj-495	387	7	https://doi.org/10.1007/s10796-023-10423-4	https://doi.org/10.1007/s10796-023-10423-4	NUM
abrj-495	387	8	https://doi.org/10.14716/ijtech.v11i4.4032	https://doi.org/10.14716/ijtech.v11i4.4032	NUM
abrj-495	387	9	https://doi.org/10.3390/economies11120286	https://doi.org/10.3390/economies11120286	PROPN
abrj-495	387	10	https://doi.org/10.17705/1cais.03617	https://doi.org/10.17705/1cais.03617	PROPN
abrj-495	387	11	https://doi.org/10.53555/kuey.v30i2.1742	https://doi.org/10.53555/kuey.v30i2.1742	PUNCT
abrj-495	387	12	https://doi.org/10.1016/j.landusepol.2017.12.013	https://doi.org/10.1016/j.landusepol.2017.12.013	PROPN
abrj-495	387	13	https://doi.org/10.1016/j.intfin.2024.101964	https://doi.org/10.1016/j.intfin.2024.101964	PROPN
abrj-495	387	14	https://doi.org/10.2307/249008	https://doi.org/10.2307/249008	X
abrj-495	387	15	https://doi.org/10.26417/ghmax638	https://doi.org/10.26417/ghmax638	NOUN
abrj-495	387	16	https://doi.org/10.17323/j.jcfr.2073-0438.18.4.2024.136-151	https://doi.org/10.17323/j.jcfr.2073-0438.18.4.2024.136-151	NOUN
abrj-495	387	17	https://ojk.go.id/id/data-dan-statistik/laporan-triwulanan/documents/laporan%20triwulan%20iv%20-%202024.pdf	https://ojk.go.id/id/data-dan-statistik/laporan-triwulanan/documents/laporan%20triwulan%20iv%20-%202024.pdf	PROPN
abrj-495	387	18	https://www.ojk.go.id/id/berita-dan-kegiatan/publikasi/documents/pages/strategi-nasional-literasi-keuangan-indonesia-2021-2025/strategi%20nasional%20literasi%20keuangan%20indonesia%20%28snlki%29%202021%20-%202025.pdf	https://www.ojk.go.id/id/berita-dan-kegiatan/publikasi/documents/pages/strategi-nasional-literasi-keuangan-indonesia-2021-2025/strategi%20nasional%20literasi%20keuangan%20indonesia%20%28snlki%29%202021%20-%202025.pdf	PROPN
abrj-495	387	19	https://www.ojk.go.id/id/berita-dan-kegiatan/publikasi/documents/pages/strategi-nasional-literasi-keuangan-indonesia-2021-2025/strategi%20nasional%20literasi%20keuangan%20indonesia%20%28snlki%29%202021%20-%202025.pdf	https://www.ojk.go.id/id/berita-dan-kegiatan/publikasi/documents/pages/strategi-nasional-literasi-keuangan-indonesia-2021-2025/strategi%20nasional%20literasi%20keuangan%20indonesia%20%28snlki%29%202021%20-%202025.pdf	PROPN
abrj-495	387	20	https://www.ojk.go.id/id/berita-dan-kegiatan/publikasi/documents/pages/strategi-nasional-literasi-keuangan-indonesia-2021-2025/strategi%20nasional%20literasi%20keuangan%20indonesia%20%28snlki%29%202021%20-%202025.pdf	https://www.ojk.go.id/id/berita-dan-kegiatan/publikasi/documents/pages/strategi-nasional-literasi-keuangan-indonesia-2021-2025/strategi%20nasional%20literasi%20keuangan%20indonesia%20%28snlki%29%202021%20-%202025.pdf	PROPN
abrj-495	387	21	https://www.ojk.go.id/id/berita-dan-kegiatan/publikasi/documents/pages/strategi-nasional-literasi-keuangan-indonesia-2021-2025/strategi%20nasional%20literasi%20keuangan%20indonesia%20%28snlki%29%202021%20-%202025.pdf	https://www.ojk.go.id/id/berita-dan-kegiatan/publikasi/documents/pages/strategi-nasional-literasi-keuangan-indonesia-2021-2025/strategi%20nasional%20literasi%20keuangan%20indonesia%20%28snlki%29%202021%20-%202025.pdf	PROPN
abrj-495	387	22	https://doi.org/10.1016/j.foodqual.2024.105275	https://doi.org/10.1016/j.foodqual.2024.105275	PROPN
abrj-495	387	23	https://doi.org/10.3390/systems13030158	https://doi.org/10.3390/systems13030158	PROPN
abrj-495	387	24	https://doi.org/10.62754/joe.v3i8.4722	https://doi.org/10.62754/joe.v3i8.4722	NUM
abrj-495	387	25	https://doi.org/10.1016/j.ijinfomgt.2013.08.007	https://doi.org/10.1016/j.ijinfomgt.2013.08.007	ADJ
abrj-495	387	26	https://doi.org/10.1111/joca.12497	https://doi.org/10.1111/joca.12497	ADJ
abrj-495	387	27	https://doi.org/10.1016/j.heliyon.2023.e22980	https://doi.org/10.1016/j.heliyon.2023.e22980	DET
abrj-495	387	28	https://doi.org/10.1023/a:1019104520776	https://doi.org/10.1023/a:1019104520776	NOUN
abrj-495	387	29	https://doi.org/10.2139/ssrn.5286312	https://doi.org/10.2139/ssrn.5286312	PROPN
abrj-495	387	30	https://doi.org/10.52970/grfm.v1i2.69	https://doi.org/10.52970/grfm.v1i2.69	NOUN
abrj-495	387	31	https://doi.org/10.1016/j.chb.2022.107383	https://doi.org/10.1016/j.chb.2022.107383	PROPN
abrj-495	387	32	https://doi.org/10.1177/13567667241255383	https://doi.org/10.1177/13567667241255383	NUM
abrj-495	387	33	asian	asian	ADJ
abrj-495	387	34	business	business	NOUN
abrj-495	387	35	research	research	NOUN
abrj-495	387	36	journal	journal	NOUN
abrj-495	387	37	,	,	PUNCT
abrj-495	387	38	2025	2025	NUM
abrj-495	387	39	,	,	PUNCT
abrj-495	387	40	10(7	10(7	NUM
abrj-495	387	41	):	):	PUNCT
abrj-495	387	42	50	50	NUM
abrj-495	387	43	-	-	SYM
abrj-495	387	44	59	59	NUM
abrj-495	387	45	58	58	NUM
abrj-495	387	46	©	©	ADP
abrj-495	387	47	2025	2025	NUM
abrj-495	387	48	by	by	ADP
abrj-495	387	49	the	the	DET
abrj-495	387	50	authors	author	NOUN
abrj-495	387	51	;	;	PUNCT
abrj-495	387	52	licensee	licensee	NOUN
abrj-495	387	53	eastern	eastern	ADJ
abrj-495	387	54	centre	centre	NOUN
abrj-495	387	55	of	of	ADP
abrj-495	387	56	science	science	NOUN
abrj-495	387	57	and	and	CCONJ
abrj-495	387	58	education	education	NOUN
abrj-495	387	59	,	,	PUNCT
abrj-495	387	60	usa	usa	PROPN
abrj-495	387	61	liu	liu	PROPN
abrj-495	387	62	,	,	PUNCT
abrj-495	387	63	j.	j.	PROPN
abrj-495	387	64	,	,	PUNCT
abrj-495	387	65	zhou	zhou	PROPN
abrj-495	387	66	,	,	PUNCT
abrj-495	387	67	k.	k.	PROPN
abrj-495	387	68	,	,	PUNCT
abrj-495	387	69	zhang	zhang	PROPN
abrj-495	387	70	,	,	PUNCT
abrj-495	387	71	y.	y.	PROPN
abrj-495	387	72	,	,	PUNCT
abrj-495	387	73	&	&	CCONJ
abrj-495	387	74	tang	tang	PROPN
abrj-495	387	75	,	,	PUNCT
abrj-495	387	76	f.	f.	PROPN
abrj-495	387	77	(	(	PUNCT
abrj-495	387	78	2023	2023	NUM
abrj-495	387	79	)	)	PUNCT
abrj-495	387	80	.	.	PUNCT
abrj-495	388	1	the	the	DET
abrj-495	388	2	effect	effect	NOUN
abrj-495	388	3	of	of	ADP
abrj-495	388	4	financial	financial	ADJ
abrj-495	388	5	digital	digital	ADJ
abrj-495	388	6	transformation	transformation	NOUN
abrj-495	388	7	on	on	ADP
abrj-495	388	8	financial	financial	ADJ
abrj-495	388	9	performance	performance	NOUN
abrj-495	388	10	:	:	PUNCT
abrj-495	388	11	the	the	DET
abrj-495	388	12	intermediary	intermediary	ADJ
abrj-495	388	13	effect	effect	NOUN
abrj-495	388	14	of	of	ADP
abrj-495	388	15	information	information	NOUN
abrj-495	388	16	symmetry	symmetry	NOUN
abrj-495	388	17	and	and	CCONJ
abrj-495	388	18	operating	operating	NOUN
abrj-495	388	19	costs	cost	NOUN
abrj-495	388	20	.	.	PUNCT
abrj-495	389	1	sustainability	sustainability	NOUN
abrj-495	389	2	,	,	PUNCT
abrj-495	389	3	15(6	15(6	NUM
abrj-495	389	4	)	)	PUNCT
abrj-495	389	5	,	,	PUNCT
abrj-495	389	6	article	article	NOUN
abrj-495	389	7	5059	5059	NUM
abrj-495	389	8	.	.	PUNCT
abrj-495	390	1	https://doi.org/10.3390/su15065059	https://doi.org/10.3390/su15065059	PROPN
abrj-495	390	2	mahmood	mahmood	PROPN
abrj-495	390	3	,	,	PUNCT
abrj-495	390	4	f.	f.	PROPN
abrj-495	390	5	,	,	PUNCT
abrj-495	390	6	arshad	arshad	PROPN
abrj-495	390	7	,	,	PUNCT
abrj-495	390	8	r.	r.	PROPN
abrj-495	390	9	,	,	PUNCT
abrj-495	390	10	khan	khan	PROPN
abrj-495	390	11	,	,	PUNCT
abrj-495	390	12	s.	s.	PROPN
abrj-495	390	13	,	,	PUNCT
abrj-495	390	14	afzal	afzal	PROPN
abrj-495	390	15	,	,	PUNCT
abrj-495	390	16	a.	a.	PROPN
abrj-495	390	17	,	,	PUNCT
abrj-495	390	18	&	&	CCONJ
abrj-495	390	19	bashir	bashir	PROPN
abrj-495	390	20	,	,	PUNCT
abrj-495	390	21	m.	m.	NOUN
abrj-495	390	22	(	(	PUNCT
abrj-495	390	23	2024	2024	NUM
abrj-495	390	24	)	)	PUNCT
abrj-495	390	25	.	.	PUNCT
abrj-495	391	1	impact	impact	NOUN
abrj-495	391	2	of	of	ADP
abrj-495	391	3	behavioral	behavioral	ADJ
abrj-495	391	4	biases	bias	NOUN
abrj-495	391	5	on	on	ADP
abrj-495	391	6	investment	investment	NOUN
abrj-495	391	7	decisions	decision	NOUN
abrj-495	391	8	and	and	CCONJ
abrj-495	391	9	the	the	DET
abrj-495	391	10	moderation	moderation	NOUN
abrj-495	391	11	effect	effect	NOUN
abrj-495	391	12	of	of	ADP
abrj-495	391	13	financial	financial	ADJ
abrj-495	391	14	literacy	literacy	NOUN
abrj-495	391	15	:	:	PUNCT
abrj-495	391	16	an	an	DET
abrj-495	391	17	evidence	evidence	NOUN
abrj-495	391	18	of	of	ADP
abrj-495	391	19	pakistan	pakistan	PROPN
abrj-495	391	20	.	.	PUNCT
abrj-495	392	1	acta	acta	PROPN
abrj-495	392	2	psychologica	psychologica	PROPN
abrj-495	392	3	,	,	PUNCT
abrj-495	392	4	247	247	NUM
abrj-495	392	5	,	,	PUNCT
abrj-495	392	6	article	article	NOUN
abrj-495	392	7	104303	104303	NUM
abrj-495	392	8	.	.	PUNCT
abrj-495	393	1	https://doi.org/10.1016/j.actpsy.2024.104303	https://doi.org/10.1016/j.actpsy.2024.104303	NOUN
abrj-495	393	2	makanyeza	makanyeza	NOUN
abrj-495	393	3	,	,	PUNCT
abrj-495	393	4	c.	c.	NOUN
abrj-495	393	5	,	,	PUNCT
abrj-495	393	6	svotwa	svotwa	PROPN
abrj-495	393	7	,	,	PUNCT
abrj-495	393	8	t.	t.	PROPN
abrj-495	393	9	d.	d.	PROPN
abrj-495	393	10	,	,	PUNCT
abrj-495	393	11	&	&	CCONJ
abrj-495	393	12	jaiyeoba	jaiyeoba	PROPN
abrj-495	393	13	,	,	PUNCT
abrj-495	393	14	o.	o.	NOUN
abrj-495	393	15	(	(	PUNCT
abrj-495	393	16	2021	2021	NUM
abrj-495	393	17	)	)	PUNCT
abrj-495	393	18	.	.	PUNCT
abrj-495	394	1	the	the	DET
abrj-495	394	2	effect	effect	NOUN
abrj-495	394	3	of	of	ADP
abrj-495	394	4	consumer	consumer	NOUN
abrj-495	394	5	rights	right	NOUN
abrj-495	394	6	awareness	awareness	NOUN
abrj-495	394	7	on	on	ADP
abrj-495	394	8	attitude	attitude	NOUN
abrj-495	394	9	and	and	CCONJ
abrj-495	394	10	purchase	purchase	NOUN
abrj-495	394	11	intention	intention	NOUN
abrj-495	394	12	in	in	ADP
abrj-495	394	13	the	the	DET
abrj-495	394	14	hotel	hotel	NOUN
abrj-495	394	15	industry	industry	NOUN
abrj-495	394	16	:	:	PUNCT
abrj-495	394	17	moderating	moderate	VERB
abrj-495	394	18	role	role	NOUN
abrj-495	394	19	of	of	ADP
abrj-495	394	20	demographic	demographic	ADJ
abrj-495	394	21	characteristics	characteristic	NOUN
abrj-495	394	22	.	.	PUNCT
abrj-495	395	1	cogent	cogent	NOUN
abrj-495	395	2	business	business	PROPN
abrj-495	395	3	&	&	CCONJ
abrj-495	395	4	management	management	PROPN
abrj-495	395	5	,	,	PUNCT
abrj-495	395	6	8(1	8(1	NOUN
abrj-495	395	7	)	)	PUNCT
abrj-495	395	8	,	,	PUNCT
abrj-495	395	9	article	article	NOUN
abrj-495	395	10	1898301	1898301	NUM
abrj-495	395	11	.	.	PUNCT
abrj-495	396	1	https://doi.org/10.1080/23311975.2021.1898301	https://doi.org/10.1080/23311975.2021.1898301	PROPN
abrj-495	396	2	mishra	mishra	PROPN
abrj-495	396	3	,	,	PUNCT
abrj-495	396	4	d.	d.	PROPN
abrj-495	396	5	,	,	PUNCT
abrj-495	396	6	agarwal	agarwal	PROPN
abrj-495	396	7	,	,	PUNCT
abrj-495	396	8	n.	n.	NOUN
abrj-495	396	9	,	,	PUNCT
abrj-495	396	10	sharahiley	sharahiley	ADJ
abrj-495	396	11	,	,	PUNCT
abrj-495	396	12	s.	s.	PROPN
abrj-495	396	13	,	,	PUNCT
abrj-495	396	14	&	&	CCONJ
abrj-495	396	15	kandpal	kandpal	PROPN
abrj-495	396	16	,	,	PUNCT
abrj-495	396	17	v.	v.	PROPN
abrj-495	396	18	(	(	PUNCT
abrj-495	396	19	2024	2024	NUM
abrj-495	396	20	)	)	PUNCT
abrj-495	396	21	.	.	PUNCT
abrj-495	397	1	digital	digital	ADJ
abrj-495	397	2	financial	financial	ADJ
abrj-495	397	3	literacy	literacy	NOUN
abrj-495	397	4	and	and	CCONJ
abrj-495	397	5	its	its	PRON
abrj-495	397	6	impact	impact	NOUN
abrj-495	397	7	on	on	ADP
abrj-495	397	8	financial	financial	ADJ
abrj-495	397	9	decision	decision	NOUN
abrj-495	397	10	-	-	PUNCT
abrj-495	397	11	making	making	NOUN
abrj-495	397	12	of	of	ADP
abrj-495	397	13	women	woman	NOUN
abrj-495	397	14	:	:	PUNCT
abrj-495	397	15	evidence	evidence	NOUN
abrj-495	397	16	from	from	ADP
abrj-495	397	17	india	india	PROPN
abrj-495	397	18	.	.	PUNCT
abrj-495	397	19	journal	journal	PROPN
abrj-495	397	20	of	of	ADP
abrj-495	397	21	risk	risk	NOUN
abrj-495	397	22	and	and	CCONJ
abrj-495	397	23	financial	financial	ADJ
abrj-495	397	24	management	management	NOUN
abrj-495	397	25	,	,	PUNCT
abrj-495	397	26	17(10	17(10	NUM
abrj-495	397	27	)	)	PUNCT
abrj-495	397	28	,	,	PUNCT
abrj-495	397	29	article	article	NOUN
abrj-495	397	30	468	468	NUM
abrj-495	397	31	.	.	PUNCT
abrj-495	398	1	https://doi.org/10.3390/jrfm17100468	https://doi.org/10.3390/jrfm17100468	PROPN
abrj-495	398	2	muñoz	muñoz	PROPN
abrj-495	398	3	-	-	PUNCT
abrj-495	398	4	céspedes	céspede	NOUN
abrj-495	398	5	,	,	PUNCT
abrj-495	398	6	e.	e.	PROPN
abrj-495	398	7	,	,	PUNCT
abrj-495	398	8	ibar	ibar	PROPN
abrj-495	398	9	-	-	PUNCT
abrj-495	398	10	alonso	alonso	PROPN
abrj-495	398	11	,	,	PUNCT
abrj-495	398	12	r.	r.	PROPN
abrj-495	398	13	,	,	PUNCT
abrj-495	398	14	&	&	CCONJ
abrj-495	398	15	de	de	PROPN
abrj-495	398	16	lorenzo	lorenzo	PROPN
abrj-495	398	17	ros	ros	PROPN
abrj-495	398	18	,	,	PUNCT
abrj-495	398	19	s.	s.	PROPN
abrj-495	398	20	(	(	PUNCT
abrj-495	398	21	2021	2021	NUM
abrj-495	398	22	)	)	PUNCT
abrj-495	398	23	.	.	PUNCT
abrj-495	399	1	financial	financial	ADJ
abrj-495	399	2	literacy	literacy	NOUN
abrj-495	399	3	and	and	CCONJ
abrj-495	399	4	sustainable	sustainable	ADJ
abrj-495	399	5	consumer	consumer	NOUN
abrj-495	399	6	behavior	behavior	NOUN
abrj-495	399	7	.	.	PUNCT
abrj-495	400	1	sustainability	sustainability	NOUN
abrj-495	400	2	,	,	PUNCT
abrj-495	400	3	13(16	13(16	NUM
abrj-495	400	4	)	)	PUNCT
abrj-495	400	5	,	,	PUNCT
abrj-495	400	6	article	article	NOUN
abrj-495	400	7	9145	9145	NUM
abrj-495	400	8	.	.	PUNCT
abrj-495	401	1	https://doi.org/10.3390/su13169145	https://doi.org/10.3390/su13169145	PROPN
abrj-495	401	2	nawi	nawi	ADJ
abrj-495	401	3	,	,	PUNCT
abrj-495	401	4	n.	n.	PROPN
abrj-495	401	5	c.	c.	PROPN
abrj-495	401	6	,	,	PUNCT
abrj-495	401	7	husin	husin	PROPN
abrj-495	401	8	,	,	PUNCT
abrj-495	401	9	h.	h.	PROPN
abrj-495	401	10	s.	s.	PROPN
abrj-495	401	11	,	,	PUNCT
abrj-495	401	12	said	say	VERB
abrj-495	401	13	al	al	PROPN
abrj-495	401	14	-	-	PUNCT
abrj-495	401	15	jahwari	jahwari	PROPN
abrj-495	401	16	,	,	PUNCT
abrj-495	401	17	n.	n.	NOUN
abrj-495	401	18	,	,	PUNCT
abrj-495	401	19	zainuddin	zainuddin	PROPN
abrj-495	401	20	,	,	PUNCT
abrj-495	401	21	s.	s.	PROPN
abrj-495	401	22	a.	a.	PROPN
abrj-495	401	23	,	,	PUNCT
abrj-495	401	24	khan	khan	PROPN
abrj-495	401	25	,	,	PUNCT
abrj-495	401	26	n.	n.	PROPN
abrj-495	401	27	u.	u.	PROPN
abrj-495	401	28	,	,	PUNCT
abrj-495	401	29	hassan	hassan	PROPN
abrj-495	401	30	,	,	PUNCT
abrj-495	401	31	a.	a.	NOUN
abrj-495	401	32	a.	a.	PROPN
abrj-495	401	33	,	,	PUNCT
abrj-495	401	34	wan	wan	PROPN
abrj-495	401	35	ibrahim	ibrahim	PROPN
abrj-495	401	36	,	,	PUNCT
abrj-495	401	37	w.	w.	PROPN
abrj-495	401	38	s.	s.	PROPN
abrj-495	401	39	a.	a.	PROPN
abrj-495	401	40	a.	a.	PROPN
abrj-495	401	41	,	,	PUNCT
abrj-495	401	42	mohamed	mohamed	PROPN
abrj-495	401	43	,	,	PUNCT
abrj-495	401	44	a.	a.	PROPN
abrj-495	401	45	f.	f.	PROPN
abrj-495	401	46	,	,	PUNCT
abrj-495	401	47	mohd	mohd	PROPN
abrj-495	401	48	nasir	nasir	PROPN
abrj-495	401	49	,	,	PUNCT
abrj-495	401	50	n.	n.	PROPN
abrj-495	401	51	s.	s.	PROPN
abrj-495	401	52	,	,	PUNCT
abrj-495	401	53	&	&	CCONJ
abrj-495	401	54	muhamad	muhamad	PROPN
abrj-495	401	55	hasan	hasan	PROPN
abrj-495	401	56	,	,	PUNCT
abrj-495	401	57	m.	m.	NOUN
abrj-495	401	58	z.	z.	PROPN
abrj-495	402	1	(	(	PUNCT
abrj-495	402	2	2024	2024	NUM
abrj-495	402	3	)	)	PUNCT
abrj-495	402	4	.	.	PUNCT
abrj-495	403	1	the	the	DET
abrj-495	403	2	path	path	NOUN
abrj-495	403	3	to	to	ADP
abrj-495	403	4	sustainability	sustainability	NOUN
abrj-495	403	5	begins	begin	VERB
abrj-495	403	6	with	with	ADP
abrj-495	403	7	going	go	VERB
abrj-495	403	8	paperless	paperless	NOUN
abrj-495	403	9	:	:	PUNCT
abrj-495	403	10	antecedents	antecedent	NOUN
abrj-495	403	11	of	of	ADP
abrj-495	403	12	intention	intention	NOUN
abrj-495	403	13	to	to	PART
abrj-495	403	14	use	use	VERB
abrj-495	403	15	electronic	electronic	ADJ
abrj-495	403	16	wallet	wallet	NOUN
abrj-495	403	17	using	use	VERB
abrj-495	403	18	serial	serial	ADJ
abrj-495	403	19	mediation	mediation	NOUN
abrj-495	403	20	approach	approach	NOUN
abrj-495	403	21	.	.	PUNCT
abrj-495	404	1	heliyon	heliyon	NOUN
abrj-495	404	2	,	,	PUNCT
abrj-495	404	3	10(2	10(2	NUM
abrj-495	404	4	)	)	PUNCT
abrj-495	404	5	,	,	PUNCT
abrj-495	404	6	article	article	NOUN
abrj-495	404	7	e24127	e24127	PROPN
abrj-495	404	8	.	.	PUNCT
abrj-495	405	1	https://doi.org/10.1016/j.heliyon.2024.e24127	https://doi.org/10.1016/j.heliyon.2024.e24127	X
abrj-495	405	2	nuralam	nuralam	PROPN
abrj-495	405	3	,	,	PUNCT
abrj-495	405	4	i.	i.	PROPN
abrj-495	405	5	p.	p.	PROPN
abrj-495	405	6	,	,	PUNCT
abrj-495	405	7	yudiono	yudiono	PROPN
abrj-495	405	8	,	,	PUNCT
abrj-495	405	9	n.	n.	NOUN
abrj-495	405	10	,	,	PUNCT
abrj-495	405	11	fahmi	fahmi	PROPN
abrj-495	405	12	,	,	PUNCT
abrj-495	405	13	m.	m.	PROPN
abrj-495	405	14	r.	r.	PROPN
abrj-495	405	15	a.	a.	PROPN
abrj-495	405	16	,	,	PUNCT
abrj-495	405	17	yuliaji	yuliaji	PROPN
abrj-495	405	18	,	,	PUNCT
abrj-495	405	19	e.	e.	PROPN
abrj-495	405	20	s.	s.	PROPN
abrj-495	405	21	,	,	PUNCT
abrj-495	405	22	&	&	CCONJ
abrj-495	405	23	hidayat	hidayat	PROPN
abrj-495	405	24	,	,	PUNCT
abrj-495	405	25	t.	t.	PROPN
abrj-495	405	26	(	(	PUNCT
abrj-495	405	27	2024	2024	NUM
abrj-495	405	28	)	)	PUNCT
abrj-495	405	29	.	.	PUNCT
abrj-495	406	1	perceived	perceive	VERB
abrj-495	406	2	ease	ease	NOUN
abrj-495	406	3	of	of	ADP
abrj-495	406	4	use	use	NOUN
abrj-495	406	5	,	,	PUNCT
abrj-495	406	6	perceived	perceive	VERB
abrj-495	406	7	usefulness	usefulness	NOUN
abrj-495	406	8	,	,	PUNCT
abrj-495	406	9	and	and	CCONJ
abrj-495	406	10	customer	customer	NOUN
abrj-495	406	11	satisfaction	satisfaction	NOUN
abrj-495	406	12	as	as	ADP
abrj-495	406	13	driving	drive	VERB
abrj-495	406	14	factors	factor	NOUN
abrj-495	406	15	on	on	ADP
abrj-495	406	16	repurchase	repurchase	NOUN
abrj-495	406	17	intention	intention	NOUN
abrj-495	406	18	:	:	PUNCT
abrj-495	406	19	the	the	DET
abrj-495	406	20	perspective	perspective	NOUN
abrj-495	406	21	of	of	ADP
abrj-495	406	22	the	the	DET
abrj-495	406	23	e	e	PROPN
abrj-495	406	24	-	-	NOUN
abrj-495	406	25	commerce	commerce	NOUN
abrj-495	406	26	market	market	NOUN
abrj-495	406	27	in	in	ADP
abrj-495	406	28	indonesia	indonesia	PROPN
abrj-495	406	29	.	.	PUNCT
abrj-495	407	1	cogent	cogent	PROPN
abrj-495	407	2	business	business	PROPN
abrj-495	407	3	&	&	CCONJ
abrj-495	407	4	management	management	PROPN
abrj-495	407	5	,	,	PUNCT
abrj-495	407	6	11(1	11(1	NUM
abrj-495	407	7	)	)	PUNCT
abrj-495	407	8	,	,	PUNCT
abrj-495	407	9	article	article	NOUN
abrj-495	407	10	2413376	2413376	NUM
abrj-495	407	11	.	.	PUNCT
abrj-495	408	1	https://doi.org/10.1080/23311975.2024.2413376	https://doi.org/10.1080/23311975.2024.2413376	PROPN
abrj-495	408	2	nwoke	nwoke	PROPN
abrj-495	408	3	,	,	PUNCT
abrj-495	408	4	j.	j.	PROPN
abrj-495	408	5	(	(	PUNCT
abrj-495	408	6	2024	2024	NUM
abrj-495	408	7	)	)	PUNCT
abrj-495	408	8	.	.	PUNCT
abrj-495	409	1	digital	digital	ADJ
abrj-495	409	2	transformation	transformation	NOUN
abrj-495	409	3	in	in	ADP
abrj-495	409	4	financial	financial	ADJ
abrj-495	409	5	services	service	NOUN
abrj-495	409	6	and	and	CCONJ
abrj-495	409	7	fintech	fintech	NOUN
abrj-495	409	8	:	:	PUNCT
abrj-495	409	9	trends	trend	NOUN
abrj-495	409	10	,	,	PUNCT
abrj-495	409	11	innovations	innovation	NOUN
abrj-495	409	12	and	and	CCONJ
abrj-495	409	13	emerging	emerge	VERB
abrj-495	409	14	technologies	technology	NOUN
abrj-495	409	15	.	.	PUNCT
abrj-495	410	1	international	international	ADJ
abrj-495	410	2	journal	journal	PROPN
abrj-495	410	3	of	of	ADP
abrj-495	410	4	finance	finance	NOUN
abrj-495	410	5	,	,	PUNCT
abrj-495	410	6	9(6	9(6	NUM
abrj-495	410	7	)	)	PUNCT
abrj-495	410	8	,	,	PUNCT
abrj-495	410	9	1–24	1–24	PROPN
abrj-495	410	10	.	.	PUNCT
abrj-495	411	1	https://doi.org/10.47941/ijf.2224	https://doi.org/10.47941/ijf.2224	PROPN
abrj-495	411	2	pascucci	pascucci	PROPN
abrj-495	411	3	,	,	PUNCT
abrj-495	411	4	f.	f.	PROPN
abrj-495	411	5	,	,	PUNCT
abrj-495	411	6	savelli	savelli	PROPN
abrj-495	411	7	,	,	PUNCT
abrj-495	411	8	e.	e.	PROPN
abrj-495	411	9	,	,	PUNCT
abrj-495	411	10	&	&	CCONJ
abrj-495	411	11	gistri	gistri	PROPN
abrj-495	411	12	,	,	PUNCT
abrj-495	411	13	g.	g.	PROPN
abrj-495	411	14	(	(	PUNCT
abrj-495	411	15	2023	2023	NUM
abrj-495	411	16	)	)	PUNCT
abrj-495	411	17	.	.	PUNCT
abrj-495	412	1	how	how	SCONJ
abrj-495	412	2	digital	digital	ADJ
abrj-495	412	3	technologies	technology	NOUN
abrj-495	412	4	reshape	reshape	VERB
abrj-495	412	5	marketing	marketing	NOUN
abrj-495	412	6	:	:	PUNCT
abrj-495	412	7	evidence	evidence	NOUN
abrj-495	412	8	from	from	ADP
abrj-495	412	9	a	a	DET
abrj-495	412	10	qualitative	qualitative	ADJ
abrj-495	412	11	investigation	investigation	NOUN
abrj-495	412	12	.	.	PUNCT
abrj-495	413	1	italian	italian	ADJ
abrj-495	413	2	journal	journal	NOUN
abrj-495	413	3	of	of	ADP
abrj-495	413	4	marketing	marketing	NOUN
abrj-495	413	5	,	,	PUNCT
abrj-495	413	6	1(2	1(2	NUM
abrj-495	413	7	)	)	PUNCT
abrj-495	413	8	,	,	PUNCT
abrj-495	413	9	27–58	27–58	NUM
abrj-495	413	10	.	.	PUNCT
abrj-495	414	1	https://doi.org/10.1007/s43039-023-00063-6	https://doi.org/10.1007/s43039-023-00063-6	PROPN
abrj-495	415	1	pertiwi	pertiwi	PROPN
abrj-495	415	2	,	,	PUNCT
abrj-495	415	3	t.	t.	PROPN
abrj-495	415	4	k.	k.	PROPN
abrj-495	415	5	,	,	PUNCT
abrj-495	415	6	joseph	joseph	PROPN
abrj-495	415	7	,	,	PUNCT
abrj-495	415	8	c.	c.	PROPN
abrj-495	415	9	,	,	PUNCT
abrj-495	415	10	warmana	warmana	PROPN
abrj-495	415	11	,	,	PUNCT
abrj-495	415	12	g.	g.	PROPN
abrj-495	415	13	o.	o.	PROPN
abrj-495	415	14	,	,	PUNCT
abrj-495	415	15	khoirotunnisa	khoirotunnisa	PROPN
abrj-495	415	16	,	,	PUNCT
abrj-495	415	17	f.	f.	PROPN
abrj-495	415	18	,	,	PUNCT
abrj-495	415	19	&	&	CCONJ
abrj-495	415	20	hariyana	hariyana	PROPN
abrj-495	415	21	,	,	PUNCT
abrj-495	415	22	n.	n.	PROPN
abrj-495	415	23	(	(	PUNCT
abrj-495	415	24	2025	2025	NUM
abrj-495	415	25	)	)	PUNCT
abrj-495	415	26	.	.	PUNCT
abrj-495	416	1	exploring	explore	VERB
abrj-495	416	2	platform	platform	NOUN
abrj-495	416	3	trust	trust	NOUN
abrj-495	416	4	,	,	PUNCT
abrj-495	416	5	borrowing	borrow	VERB
abrj-495	416	6	intention	intention	NOUN
abrj-495	416	7	,	,	PUNCT
abrj-495	416	8	and	and	CCONJ
abrj-495	416	9	actual	actual	ADJ
abrj-495	416	10	use	use	NOUN
abrj-495	416	11	of	of	ADP
abrj-495	416	12	paylater	paylater	NOUN
abrj-495	416	13	services	service	NOUN
abrj-495	416	14	in	in	ADP
abrj-495	416	15	indonesia	indonesia	PROPN
abrj-495	416	16	and	and	CCONJ
abrj-495	416	17	malaysia	malaysia	PROPN
abrj-495	416	18	.	.	PUNCT
abrj-495	417	1	journal	journal	PROPN
abrj-495	417	2	of	of	ADP
abrj-495	417	3	risk	risk	NOUN
abrj-495	417	4	and	and	CCONJ
abrj-495	417	5	financial	financial	ADJ
abrj-495	417	6	management	management	NOUN
abrj-495	417	7	,	,	PUNCT
abrj-495	417	8	18(5	18(5	NUM
abrj-495	417	9	)	)	PUNCT
abrj-495	417	10	,	,	PUNCT
abrj-495	417	11	article	article	NOUN
abrj-495	417	12	255	255	NUM
abrj-495	417	13	.	.	PUNCT
abrj-495	418	1	https://doi.org/10.3390/jrfm18050255	https://doi.org/10.3390/jrfm18050255	PROPN
abrj-495	418	2	pitthan	pitthan	PROPN
abrj-495	418	3	,	,	PUNCT
abrj-495	418	4	f.	f.	PROPN
abrj-495	418	5	,	,	PUNCT
abrj-495	418	6	&	&	CCONJ
abrj-495	418	7	de	de	PROPN
abrj-495	418	8	witte	witte	PROPN
abrj-495	418	9	,	,	PUNCT
abrj-495	418	10	k.	k.	PROPN
abrj-495	418	11	(	(	PUNCT
abrj-495	418	12	2025	2025	NUM
abrj-495	418	13	)	)	PUNCT
abrj-495	418	14	.	.	PUNCT
abrj-495	419	1	how	how	SCONJ
abrj-495	419	2	learning	learn	VERB
abrj-495	419	3	about	about	ADP
abrj-495	419	4	behavioural	behavioural	ADJ
abrj-495	419	5	biases	bias	NOUN
abrj-495	419	6	can	can	AUX
abrj-495	419	7	improve	improve	VERB
abrj-495	419	8	financial	financial	ADJ
abrj-495	419	9	literacy	literacy	NOUN
abrj-495	419	10	?	?	PUNCT
abrj-495	420	1	international	international	ADJ
abrj-495	420	2	review	review	NOUN
abrj-495	420	3	of	of	ADP
abrj-495	420	4	economics	economics	PROPN
abrj-495	420	5	&	&	CCONJ
abrj-495	420	6	finance	finance	PROPN
abrj-495	420	7	,	,	PUNCT
abrj-495	420	8	99	99	NUM
abrj-495	420	9	,	,	PUNCT
abrj-495	420	10	article	article	NOUN
abrj-495	420	11	103989	103989	NUM
abrj-495	420	12	.	.	PUNCT
abrj-495	421	1	https://doi.org/10.1016/j.iref.2025.103989	https://doi.org/10.1016/j.iref.2025.103989	ADJ
abrj-495	421	2	prihatini	prihatini	NOUN
abrj-495	421	3	,	,	PUNCT
abrj-495	421	4	n.	n.	NOUN
abrj-495	421	5	(	(	PUNCT
abrj-495	421	6	2023	2023	NUM
abrj-495	421	7	)	)	PUNCT
abrj-495	421	8	.	.	PUNCT
abrj-495	422	1	analysis	analysis	NOUN
abrj-495	422	2	of	of	ADP
abrj-495	422	3	the	the	DET
abrj-495	422	4	impact	impact	NOUN
abrj-495	422	5	of	of	ADP
abrj-495	422	6	online	online	ADJ
abrj-495	422	7	lending	lending	NOUN
abrj-495	422	8	services	service	NOUN
abrj-495	422	9	on	on	ADP
abrj-495	422	10	society	society	NOUN
abrj-495	422	11	.	.	PUNCT
abrj-495	423	1	journal	journal	PROPN
abrj-495	423	2	of	of	ADP
abrj-495	423	3	finance	finance	NOUN
abrj-495	423	4	,	,	PUNCT
abrj-495	423	5	economics	economic	NOUN
abrj-495	423	6	and	and	CCONJ
abrj-495	423	7	business	business	NOUN
abrj-495	423	8	,	,	PUNCT
abrj-495	423	9	2(2	2(2	NUM
abrj-495	423	10	)	)	PUNCT
abrj-495	423	11	,	,	PUNCT
abrj-495	423	12	47–62	47–62	NUM
abrj-495	423	13	.	.	PUNCT
abrj-495	424	1	https://doi.org/10.59827/jfeb.v2i2.90	https://doi.org/10.59827/jfeb.v2i2.90	PROPN
abrj-495	424	2	rahmawati	rahmawati	PROPN
abrj-495	424	3	,	,	PUNCT
abrj-495	424	4	a.	a.	NOUN
abrj-495	424	5	,	,	PUNCT
abrj-495	424	6	&	&	CCONJ
abrj-495	424	7	ramli	ramli	PROPN
abrj-495	424	8	,	,	PUNCT
abrj-495	424	9	a.	a.	PROPN
abrj-495	424	10	h.	h.	PROPN
abrj-495	424	11	(	(	PUNCT
abrj-495	424	12	2024	2024	NUM
abrj-495	424	13	)	)	PUNCT
abrj-495	424	14	.	.	PUNCT
abrj-495	425	1	e	e	X
abrj-495	425	2	-	-	NOUN
abrj-495	425	3	trust	trust	NOUN
abrj-495	425	4	,	,	PUNCT
abrj-495	425	5	perceived	perceive	VERB
abrj-495	425	6	ease	ease	NOUN
abrj-495	425	7	of	of	ADP
abrj-495	425	8	use	use	NOUN
abrj-495	425	9	,	,	PUNCT
abrj-495	425	10	e	e	NOUN
abrj-495	425	11	-	-	NOUN
abrj-495	425	12	satisfaction	satisfaction	NOUN
abrj-495	425	13	and	and	CCONJ
abrj-495	425	14	e	e	NOUN
abrj-495	425	15	-	-	NOUN
abrj-495	425	16	loyalty	loyalty	NOUN
abrj-495	425	17	for	for	ADP
abrj-495	425	18	users	user	NOUN
abrj-495	425	19	of	of	ADP
abrj-495	425	20	the	the	DET
abrj-495	425	21	tiktok	tiktok	ADJ
abrj-495	425	22	shop	shop	NOUN
abrj-495	425	23	application	application	NOUN
abrj-495	425	24	.	.	PUNCT
abrj-495	426	1	jurnal	jurnal	ADJ
abrj-495	426	2	ilmiah	ilmiah	PROPN
abrj-495	426	3	manajemen	manajeman	NOUN
abrj-495	426	4	kesatuan	kesatuan	PROPN
abrj-495	426	5	,	,	PUNCT
abrj-495	426	6	12(1	12(1	NUM
abrj-495	426	7	)	)	PUNCT
abrj-495	426	8	,	,	PUNCT
abrj-495	426	9	279–294	279–294	NUM
abrj-495	426	10	.	.	PUNCT
abrj-495	427	1	https://doi.org/10.37641/jimkes.v12i1.2209	https://doi.org/10.37641/jimkes.v12i1.2209	ADJ
abrj-495	427	2	ridwan	ridwan	PROPN
abrj-495	427	3	,	,	PUNCT
abrj-495	427	4	m.	m.	NOUN
abrj-495	427	5	,	,	PUNCT
abrj-495	427	6	puspitasari	puspitasari	PROPN
abrj-495	427	7	,	,	PUNCT
abrj-495	427	8	r.	r.	PROPN
abrj-495	427	9	,	,	PUNCT
abrj-495	427	10	winarsih	winarsih	NOUN
abrj-495	427	11	,	,	PUNCT
abrj-495	427	12	t.	t.	PROPN
abrj-495	427	13	,	,	PUNCT
abrj-495	427	14	wangsih	wangsih	PROPN
abrj-495	427	15	,	,	PUNCT
abrj-495	427	16	i.	i.	PROPN
abrj-495	427	17	c.	c.	PROPN
abrj-495	427	18	,	,	PUNCT
abrj-495	427	19	&	&	CCONJ
abrj-495	427	20	sudarmanto	sudarmanto	PROPN
abrj-495	427	21	,	,	PUNCT
abrj-495	427	22	e.	e.	PROPN
abrj-495	427	23	(	(	PUNCT
abrj-495	427	24	2025	2025	NUM
abrj-495	427	25	)	)	PUNCT
abrj-495	427	26	.	.	PUNCT
abrj-495	428	1	the	the	DET
abrj-495	428	2	effect	effect	NOUN
abrj-495	428	3	of	of	ADP
abrj-495	428	4	digital	digital	ADJ
abrj-495	428	5	banking	banking	NOUN
abrj-495	428	6	adoption	adoption	NOUN
abrj-495	428	7	,	,	PUNCT
abrj-495	428	8	trust	trust	NOUN
abrj-495	428	9	in	in	ADP
abrj-495	428	10	fintech	fintech	NOUN
abrj-495	428	11	,	,	PUNCT
abrj-495	428	12	perceived	perceive	VERB
abrj-495	428	13	security	security	NOUN
abrj-495	428	14	,	,	PUNCT
abrj-495	428	15	and	and	CCONJ
abrj-495	428	16	customer	customer	NOUN
abrj-495	428	17	satisfaction	satisfaction	NOUN
abrj-495	428	18	on	on	ADP
abrj-495	428	19	financial	financial	ADJ
abrj-495	428	20	inclusion	inclusion	NOUN
abrj-495	428	21	in	in	ADP
abrj-495	428	22	indonesian	indonesian	ADJ
abrj-495	428	23	banking	banking	NOUN
abrj-495	428	24	.	.	PUNCT
abrj-495	429	1	west	west	PROPN
abrj-495	429	2	science	science	PROPN
abrj-495	429	3	business	business	NOUN
abrj-495	429	4	and	and	CCONJ
abrj-495	429	5	management	management	NOUN
abrj-495	429	6	,	,	PUNCT
abrj-495	429	7	3(1	3(1	NUM
abrj-495	429	8	)	)	PUNCT
abrj-495	429	9	,	,	PUNCT
abrj-495	429	10	158–168	158–168	NUM
abrj-495	429	11	.	.	PUNCT
abrj-495	430	1	https://doi.org/10.58812/wsbm.v3i01.1794	https://doi.org/10.58812/wsbm.v3i01.1794	PROPN
abrj-495	430	2	rita	rita	PROPN
abrj-495	430	3	,	,	PUNCT
abrj-495	430	4	p.	p.	PROPN
abrj-495	430	5	,	,	PUNCT
abrj-495	430	6	oliveira	oliveira	PROPN
abrj-495	430	7	,	,	PUNCT
abrj-495	430	8	t.	t.	PROPN
abrj-495	430	9	,	,	PUNCT
abrj-495	430	10	&	&	CCONJ
abrj-495	430	11	farisa	farisa	NOUN
abrj-495	430	12	,	,	PUNCT
abrj-495	430	13	a.	a.	NOUN
abrj-495	430	14	(	(	PUNCT
abrj-495	430	15	2019	2019	NUM
abrj-495	430	16	)	)	PUNCT
abrj-495	430	17	.	.	PUNCT
abrj-495	431	1	the	the	DET
abrj-495	431	2	impact	impact	NOUN
abrj-495	431	3	of	of	ADP
abrj-495	431	4	e	e	NOUN
abrj-495	431	5	-	-	NOUN
abrj-495	431	6	service	service	ADJ
abrj-495	431	7	quality	quality	NOUN
abrj-495	431	8	and	and	CCONJ
abrj-495	431	9	customer	customer	NOUN
abrj-495	431	10	satisfaction	satisfaction	NOUN
abrj-495	431	11	on	on	ADP
abrj-495	431	12	customer	customer	NOUN
abrj-495	431	13	behavior	behavior	NOUN
abrj-495	431	14	in	in	ADP
abrj-495	431	15	online	online	ADJ
abrj-495	431	16	shopping	shopping	NOUN
abrj-495	431	17	.	.	PUNCT
abrj-495	432	1	heliyon	heliyon	NOUN
abrj-495	432	2	,	,	PUNCT
abrj-495	432	3	5(10	5(10	NUM
abrj-495	432	4	)	)	PUNCT
abrj-495	432	5	,	,	PUNCT
abrj-495	432	6	article	article	NOUN
abrj-495	432	7	e02690	e02690	PROPN
abrj-495	432	8	.	.	PUNCT
abrj-495	433	1	https://doi.org/10.1016/j.heliyon.2019.e02690	https://doi.org/10.1016/j.heliyon.2019.e02690	PROPN
abrj-495	433	2	riyanto	riyanto	PROPN
abrj-495	433	3	,	,	PUNCT
abrj-495	433	4	f.	f.	PROPN
abrj-495	433	5	,	,	PUNCT
abrj-495	433	6	purusa	purusa	VERB
abrj-495	433	7	,	,	PUNCT
abrj-495	433	8	n.	n.	PROPN
abrj-495	433	9	a.	a.	PROPN
abrj-495	433	10	,	,	PUNCT
abrj-495	433	11	zakaria	zakaria	PROPN
abrj-495	433	12	,	,	PUNCT
abrj-495	433	13	f.	f.	PROPN
abrj-495	433	14	,	,	PUNCT
abrj-495	433	15	&	&	CCONJ
abrj-495	433	16	chaichotchuang	chaichotchuang	PROPN
abrj-495	433	17	,	,	PUNCT
abrj-495	433	18	e.	e.	PROPN
abrj-495	433	19	(	(	PUNCT
abrj-495	433	20	2025	2025	NUM
abrj-495	433	21	)	)	PUNCT
abrj-495	433	22	.	.	PUNCT
abrj-495	434	1	behavioral	behavioral	ADJ
abrj-495	434	2	factors	factor	NOUN
abrj-495	434	3	determining	determine	VERB
abrj-495	434	4	interest	interest	NOUN
abrj-495	434	5	in	in	ADP
abrj-495	434	6	using	use	VERB
abrj-495	434	7	online	online	ADJ
abrj-495	434	8	loans	loan	NOUN
abrj-495	434	9	generation	generation	NOUN
abrj-495	434	10	z	z	NOUN
abrj-495	434	11	:	:	PUNCT
abrj-495	434	12	a	a	DET
abrj-495	434	13	study	study	NOUN
abrj-495	434	14	in	in	ADP
abrj-495	434	15	indonesia	indonesia	PROPN
abrj-495	434	16	.	.	PUNCT
abrj-495	435	1	jurnal	jurnal	ADJ
abrj-495	435	2	penelitian	penelitian	PROPN
abrj-495	435	3	ekonomi	ekonomi	PROPN
abrj-495	435	4	dan	dan	PROPN
abrj-495	435	5	bisnis	bisnis	PROPN
abrj-495	435	6	,	,	PUNCT
abrj-495	435	7	10(1	10(1	NUM
abrj-495	435	8	)	)	PUNCT
abrj-495	435	9	,	,	PUNCT
abrj-495	435	10	55–65	55–65	NUM
abrj-495	435	11	.	.	PUNCT
abrj-495	436	1	https://doi.org/10.33633/jpeb.v10i1.12147	https://doi.org/10.33633/jpeb.v10i1.12147	PROPN
abrj-495	436	2	sari	sari	PROPN
abrj-495	436	3	,	,	PUNCT
abrj-495	436	4	s.	s.	PROPN
abrj-495	436	5	p.	p.	PROPN
abrj-495	436	6	,	,	PUNCT
abrj-495	436	7	sanusi	sanusi	PROPN
abrj-495	436	8	,	,	PUNCT
abrj-495	436	9	a.	a.	PROPN
abrj-495	436	10	,	,	PUNCT
abrj-495	436	11	&	&	CCONJ
abrj-495	436	12	fionita	fionita	PROPN
abrj-495	436	13	,	,	PUNCT
abrj-495	436	14	i.	i.	NOUN
abrj-495	436	15	(	(	PUNCT
abrj-495	436	16	2023	2023	NUM
abrj-495	436	17	)	)	PUNCT
abrj-495	436	18	.	.	PUNCT
abrj-495	437	1	the	the	DET
abrj-495	437	2	effect	effect	NOUN
abrj-495	437	3	of	of	ADP
abrj-495	437	4	financial	financial	ADJ
abrj-495	437	5	literacy	literacy	NOUN
abrj-495	437	6	on	on	ADP
abrj-495	437	7	the	the	DET
abrj-495	437	8	online	online	ADJ
abrj-495	437	9	loan	loan	NOUN
abrj-495	437	10	users	user	NOUN
abrj-495	437	11	’	'	PUNCT
abrj-495	437	12	behavior	behavior	NOUN
abrj-495	437	13	(	(	PUNCT
abrj-495	437	14	danabijak	danabijak	ADV
abrj-495	437	15	)	)	PUNCT
abrj-495	437	16	through	through	ADP
abrj-495	437	17	financial	financial	ADJ
abrj-495	437	18	attitude	attitude	NOUN
abrj-495	437	19	as	as	ADP
abrj-495	437	20	an	an	DET
abrj-495	437	21	intervening	intervene	VERB
abrj-495	437	22	variable	variable	NOUN
abrj-495	437	23	.	.	PUNCT
abrj-495	438	1	international	international	ADJ
abrj-495	438	2	journal	journal	PROPN
abrj-495	438	3	of	of	ADP
abrj-495	438	4	economics	economic	NOUN
abrj-495	438	5	,	,	PUNCT
abrj-495	438	6	business	business	NOUN
abrj-495	438	7	,	,	PUNCT
abrj-495	438	8	and	and	CCONJ
abrj-495	438	9	entrepreneurship	entrepreneurship	NOUN
abrj-495	438	10	,	,	PUNCT
abrj-495	438	11	6(2	6(2	NUM
abrj-495	438	12	)	)	PUNCT
abrj-495	438	13	,	,	PUNCT
abrj-495	438	14	131–139	131–139	NUM
abrj-495	438	15	.	.	PUNCT
abrj-495	439	1	https://doi.org/10.23960/ijebe.v6i2.210	https://doi.org/10.23960/ijebe.v6i2.210	PROPN
abrj-495	439	2	sekarlaras	sekarlaras	PROPN
abrj-495	439	3	,	,	PUNCT
abrj-495	439	4	a.	a.	PROPN
abrj-495	439	5	f.	f.	PROPN
abrj-495	439	6	a.	a.	PROPN
abrj-495	439	7	,	,	PUNCT
abrj-495	439	8	siregar	siregar	NOUN
abrj-495	439	9	,	,	PUNCT
abrj-495	439	10	h.	h.	PROPN
abrj-495	439	11	,	,	PUNCT
abrj-495	439	12	&	&	CCONJ
abrj-495	439	13	hasanah	hasanah	PROPN
abrj-495	439	14	,	,	PUNCT
abrj-495	439	15	n.	n.	PROPN
abrj-495	439	16	(	(	PUNCT
abrj-495	439	17	2025	2025	NUM
abrj-495	439	18	)	)	PUNCT
abrj-495	439	19	.	.	PUNCT
abrj-495	440	1	effects	effect	NOUN
abrj-495	440	2	of	of	ADP
abrj-495	440	3	financial	financial	ADJ
abrj-495	440	4	literacy	literacy	NOUN
abrj-495	440	5	and	and	CCONJ
abrj-495	440	6	self	self	NOUN
abrj-495	440	7	-	-	PUNCT
abrj-495	440	8	efficacy	efficacy	NOUN
abrj-495	440	9	on	on	ADP
abrj-495	440	10	risky	risky	ADJ
abrj-495	440	11	credit	credit	NOUN
abrj-495	440	12	behavior	behavior	NOUN
abrj-495	440	13	of	of	ADP
abrj-495	440	14	gen	gen	PROPN
abrj-495	440	15	-	-	PROPN
abrj-495	440	16	z.	z.	PROPN
abrj-495	440	17	jurnal	jurnal	PROPN
abrj-495	440	18	aplikasi	aplikasi	PROPN
abrj-495	440	19	bisnis	bisnis	PROPN
abrj-495	440	20	dan	dan	PROPN
abrj-495	440	21	manajemen	manajemen	PROPN
abrj-495	440	22	,	,	PUNCT
abrj-495	440	23	11(2	11(2	NOUN
abrj-495	440	24	)	)	PUNCT
abrj-495	440	25	,	,	PUNCT
abrj-495	440	26	468–485	468–485	NUM
abrj-495	440	27	.	.	PUNCT
abrj-495	441	1	https://doi.org/10.17358/jabm.11.2.468	https://doi.org/10.17358/jabm.11.2.468	PROPN
abrj-495	441	2	sharma	sharma	PROPN
abrj-495	441	3	,	,	PUNCT
abrj-495	441	4	v.	v.	ADV
abrj-495	441	5	,	,	PUNCT
abrj-495	441	6	jangir	jangir	PROPN
abrj-495	441	7	,	,	PUNCT
abrj-495	441	8	k.	k.	PROPN
abrj-495	441	9	,	,	PUNCT
abrj-495	441	10	gupta	gupta	PROPN
abrj-495	441	11	,	,	PUNCT
abrj-495	441	12	m.	m.	NOUN
abrj-495	441	13	,	,	PUNCT
abrj-495	441	14	&	&	CCONJ
abrj-495	441	15	rupeika	rupeika	NOUN
abrj-495	441	16	-	-	PUNCT
abrj-495	441	17	apoga	apoga	PROPN
abrj-495	441	18	,	,	PUNCT
abrj-495	441	19	r.	r.	PROPN
abrj-495	441	20	(	(	PUNCT
abrj-495	441	21	2024	2024	NUM
abrj-495	441	22	)	)	PUNCT
abrj-495	441	23	.	.	PUNCT
abrj-495	442	1	does	do	AUX
abrj-495	442	2	service	service	VERB
abrj-495	442	3	quality	quality	NOUN
abrj-495	442	4	matter	matter	NOUN
abrj-495	442	5	in	in	ADP
abrj-495	442	6	fintech	fintech	NOUN
abrj-495	442	7	payment	payment	NOUN
abrj-495	442	8	services	service	NOUN
abrj-495	442	9	?	?	PUNCT
abrj-495	443	1	an	an	DET
abrj-495	443	2	integrated	integrate	VERB
abrj-495	443	3	servqual	servqual	ADJ
abrj-495	443	4	and	and	CCONJ
abrj-495	443	5	tam	tam	NOUN
abrj-495	443	6	approach	approach	NOUN
abrj-495	443	7	.	.	PUNCT
abrj-495	444	1	international	international	ADJ
abrj-495	444	2	journal	journal	PROPN
abrj-495	444	3	of	of	ADP
abrj-495	444	4	information	information	NOUN
abrj-495	444	5	management	management	NOUN
abrj-495	444	6	data	datum	NOUN
abrj-495	444	7	insights	insight	NOUN
abrj-495	444	8	,	,	PUNCT
abrj-495	444	9	4(2	4(2	NUM
abrj-495	444	10	)	)	PUNCT
abrj-495	444	11	,	,	PUNCT
abrj-495	444	12	article	article	NOUN
abrj-495	444	13	100252	100252	NUM
abrj-495	444	14	.	.	PUNCT
abrj-495	445	1	https://doi.org/10.1016/j.jjimei.2024.100252	https://doi.org/10.1016/j.jjimei.2024.100252	NOUN
abrj-495	445	2	shefrin	shefrin	NOUN
abrj-495	445	3	,	,	PUNCT
abrj-495	445	4	h.	h.	PROPN
abrj-495	445	5	(	(	PUNCT
abrj-495	445	6	2007	2007	NUM
abrj-495	445	7	)	)	PUNCT
abrj-495	445	8	.	.	PUNCT
abrj-495	446	1	beyond	beyond	ADP
abrj-495	446	2	greed	greed	NOUN
abrj-495	446	3	and	and	CCONJ
abrj-495	446	4	fear	fear	NOUN
abrj-495	446	5	:	:	PUNCT
abrj-495	446	6	understanding	understand	VERB
abrj-495	446	7	behavioral	behavioral	ADJ
abrj-495	446	8	finance	finance	NOUN
abrj-495	446	9	and	and	CCONJ
abrj-495	446	10	the	the	DET
abrj-495	446	11	psychology	psychology	NOUN
abrj-495	446	12	of	of	ADP
abrj-495	446	13	investing	investing	NOUN
abrj-495	446	14	.	.	PUNCT
abrj-495	447	1	oxford	oxford	PROPN
abrj-495	447	2	university	university	PROPN
abrj-495	447	3	press	press	NOUN
abrj-495	447	4	.	.	PUNCT
abrj-495	448	1	https://doi.org/10.1093/oso/9780195304213.001.0001	https://doi.org/10.1093/oso/9780195304213.001.0001	VERB
abrj-495	448	2	singh	singh	PROPN
abrj-495	448	3	,	,	PUNCT
abrj-495	448	4	n.	n.	NOUN
abrj-495	448	5	,	,	PUNCT
abrj-495	448	6	misra	misra	PROPN
abrj-495	448	7	,	,	PUNCT
abrj-495	448	8	r.	r.	PROPN
abrj-495	448	9	,	,	PUNCT
abrj-495	448	10	quan	quan	PROPN
abrj-495	448	11	,	,	PUNCT
abrj-495	448	12	w.	w.	PROPN
abrj-495	448	13	,	,	PUNCT
abrj-495	448	14	radic	radic	NOUN
abrj-495	448	15	,	,	PUNCT
abrj-495	448	16	a.	a.	PROPN
abrj-495	448	17	,	,	PUNCT
abrj-495	448	18	lee	lee	PROPN
abrj-495	448	19	,	,	PUNCT
abrj-495	448	20	s.-m	s.-m	PROPN
abrj-495	448	21	.	.	PROPN
abrj-495	448	22	,	,	PUNCT
abrj-495	448	23	&	&	CCONJ
abrj-495	448	24	han	han	PROPN
abrj-495	448	25	,	,	PUNCT
abrj-495	448	26	h.	h.	PROPN
abrj-495	448	27	(	(	PUNCT
abrj-495	448	28	2024	2024	NUM
abrj-495	448	29	)	)	PUNCT
abrj-495	448	30	.	.	PUNCT
abrj-495	449	1	an	an	DET
abrj-495	449	2	analysis	analysis	NOUN
abrj-495	449	3	of	of	ADP
abrj-495	449	4	consumer	consumer	NOUN
abrj-495	449	5	’s	’s	PART
abrj-495	449	6	trusting	trust	VERB
abrj-495	449	7	beliefs	belief	NOUN
abrj-495	449	8	towards	towards	ADP
abrj-495	449	9	the	the	DET
abrj-495	449	10	use	use	NOUN
abrj-495	449	11	of	of	ADP
abrj-495	449	12	ecommerce	ecommerce	NOUN
abrj-495	449	13	platforms	platform	NOUN
abrj-495	449	14	.	.	PUNCT
abrj-495	450	1	humanities	humanity	NOUN
abrj-495	450	2	and	and	CCONJ
abrj-495	450	3	social	social	ADJ
abrj-495	450	4	sciences	science	NOUN
abrj-495	450	5	communications	communication	NOUN
abrj-495	450	6	,	,	PUNCT
abrj-495	450	7	11(1	11(1	NUM
abrj-495	450	8	)	)	PUNCT
abrj-495	450	9	,	,	PUNCT
abrj-495	450	10	article	article	NOUN
abrj-495	450	11	899	899	NUM
abrj-495	450	12	.	.	PUNCT
abrj-495	451	1	https://doi.org/10.1057/s41599-024-033956	https://doi.org/10.1057/s41599-024-033956	PROPN
abrj-495	451	2	solihati	solihati	PROPN
abrj-495	451	3	,	,	PUNCT
abrj-495	451	4	g.	g.	PROPN
abrj-495	451	5	p.	p.	PROPN
abrj-495	451	6	,	,	PUNCT
abrj-495	451	7	anah	anah	PROPN
abrj-495	451	8	,	,	PUNCT
abrj-495	451	9	s.	s.	PROPN
abrj-495	451	10	,	,	PUNCT
abrj-495	451	11	&	&	CCONJ
abrj-495	451	12	anggraini	anggraini	PROPN
abrj-495	451	13	,	,	PUNCT
abrj-495	451	14	w.	w.	NOUN
abrj-495	451	15	(	(	PUNCT
abrj-495	451	16	2025	2025	NUM
abrj-495	451	17	)	)	PUNCT
abrj-495	451	18	.	.	PUNCT
abrj-495	452	1	fintech	fintech	NOUN
abrj-495	452	2	user	user	NOUN
abrj-495	452	3	satisfaction	satisfaction	NOUN
abrj-495	452	4	as	as	ADP
abrj-495	452	5	an	an	DET
abrj-495	452	6	intermediary	intermediary	NOUN
abrj-495	452	7	:	:	PUNCT
abrj-495	452	8	analysis	analysis	NOUN
abrj-495	452	9	of	of	ADP
abrj-495	452	10	the	the	DET
abrj-495	452	11	influence	influence	NOUN
abrj-495	452	12	of	of	ADP
abrj-495	452	13	financial	financial	ADJ
abrj-495	452	14	literacy	literacy	NOUN
abrj-495	452	15	,	,	PUNCT
abrj-495	452	16	ease	ease	NOUN
abrj-495	452	17	of	of	ADP
abrj-495	452	18	use	use	NOUN
abrj-495	452	19	,	,	PUNCT
abrj-495	452	20	and	and	CCONJ
abrj-495	452	21	trust	trust	NOUN
abrj-495	452	22	on	on	ADP
abrj-495	452	23	user	user	NOUN
abrj-495	452	24	loyalty	loyalty	NOUN
abrj-495	452	25	in	in	ADP
abrj-495	452	26	msmes	msme	NOUN
abrj-495	452	27	.	.	PUNCT
abrj-495	453	1	keunis	keunis	PROPN
abrj-495	453	2	,	,	PUNCT
abrj-495	453	3	13(1	13(1	NUM
abrj-495	453	4	)	)	PUNCT
abrj-495	453	5	,	,	PUNCT
abrj-495	453	6	1–17	1–17	PROPN
abrj-495	453	7	.	.	PUNCT
abrj-495	454	1	https://doi.org/10.32497/keunis.v13i1.6120	https://doi.org/10.32497/keunis.v13i1.6120	PROPN
abrj-495	454	2	suryawan	suryawan	PROPN
abrj-495	454	3	,	,	PUNCT
abrj-495	454	4	t.	t.	PROPN
abrj-495	454	5	g.	g.	PROPN
abrj-495	454	6	a.	a.	PROPN
abrj-495	454	7	w.	w.	PROPN
abrj-495	454	8	k.	k.	PROPN
abrj-495	454	9	,	,	PUNCT
abrj-495	454	10	&	&	CCONJ
abrj-495	454	11	santikasari	santikasari	PROPN
abrj-495	454	12	,	,	PUNCT
abrj-495	454	13	n.	n.	PROPN
abrj-495	454	14	n.	n.	PROPN
abrj-495	454	15	(	(	PUNCT
abrj-495	454	16	2024	2024	NUM
abrj-495	454	17	)	)	PUNCT
abrj-495	454	18	.	.	PUNCT
abrj-495	455	1	a	a	DET
abrj-495	455	2	behavioral	behavioral	ADJ
abrj-495	455	3	analysis	analysis	NOUN
abrj-495	455	4	of	of	ADP
abrj-495	455	5	online	online	ADJ
abrj-495	455	6	loan	loan	NOUN
abrj-495	455	7	application	application	NOUN
abrj-495	455	8	adoption	adoption	NOUN
abrj-495	455	9	:	:	PUNCT
abrj-495	455	10	the	the	DET
abrj-495	455	11	roles	role	NOUN
abrj-495	455	12	of	of	ADP
abrj-495	455	13	ease	ease	NOUN
abrj-495	455	14	of	of	ADP
abrj-495	455	15	use	use	NOUN
abrj-495	455	16	,	,	PUNCT
abrj-495	455	17	risk	risk	NOUN
abrj-495	455	18	,	,	PUNCT
abrj-495	455	19	and	and	CCONJ
abrj-495	455	20	trust	trust	NOUN
abrj-495	455	21	in	in	ADP
abrj-495	455	22	rural	rural	ADJ
abrj-495	455	23	bali	bali	PROPN
abrj-495	455	24	.	.	PUNCT
abrj-495	456	1	jurnal	jurnal	PROPN
abrj-495	456	2	ilmu	ilmu	PROPN
abrj-495	456	3	manajemen	manajemen	PROPN
abrj-495	456	4	,	,	PUNCT
abrj-495	456	5	21(2	21(2	NUM
abrj-495	456	6	)	)	PUNCT
abrj-495	456	7	,	,	PUNCT
abrj-495	456	8	85–100	85–100	PROPN
abrj-495	456	9	.	.	PUNCT
abrj-495	457	1	https://doi.org/10.21831/jim.v21i2.78161	https://doi.org/10.21831/jim.v21i2.78161	PROPN
abrj-495	457	2	suryono	suryono	PROPN
abrj-495	457	3	,	,	PUNCT
abrj-495	457	4	r.	r.	PROPN
abrj-495	457	5	r.	r.	PROPN
abrj-495	457	6	,	,	PUNCT
abrj-495	457	7	budi	budi	PROPN
abrj-495	457	8	,	,	PUNCT
abrj-495	457	9	i.	i.	PROPN
abrj-495	457	10	,	,	PUNCT
abrj-495	457	11	&	&	CCONJ
abrj-495	457	12	purwandari	purwandari	PROPN
abrj-495	457	13	,	,	PUNCT
abrj-495	457	14	b.	b.	PROPN
abrj-495	457	15	(	(	PUNCT
abrj-495	457	16	2021	2021	NUM
abrj-495	457	17	)	)	PUNCT
abrj-495	457	18	.	.	PUNCT
abrj-495	458	1	detection	detection	NOUN
abrj-495	458	2	of	of	ADP
abrj-495	458	3	fintech	fintech	NOUN
abrj-495	458	4	p2p	p2p	NOUN
abrj-495	458	5	lending	lending	NOUN
abrj-495	458	6	issues	issue	NOUN
abrj-495	458	7	in	in	ADP
abrj-495	458	8	indonesia	indonesia	PROPN
abrj-495	458	9	.	.	PUNCT
abrj-495	459	1	heliyon	heliyon	PROPN
abrj-495	459	2	,	,	PUNCT
abrj-495	459	3	7(4	7(4	NUM
abrj-495	459	4	)	)	PUNCT
abrj-495	459	5	,	,	PUNCT
abrj-495	459	6	article	article	NOUN
abrj-495	459	7	e06782	e06782	PROPN
abrj-495	459	8	.	.	PUNCT
abrj-495	460	1	https://doi.org/10.1016/j.heliyon.2021.e06782	https://doi.org/10.1016/j.heliyon.2021.e06782	PROPN
abrj-495	460	2	sutedja	sutedja	PROPN
abrj-495	460	3	,	,	PUNCT
abrj-495	460	4	i.	i.	PROPN
abrj-495	460	5	,	,	PUNCT
abrj-495	460	6	adam	adam	PROPN
abrj-495	460	7	,	,	PUNCT
abrj-495	460	8	m.	m.	PROPN
abrj-495	460	9	f.	f.	PROPN
abrj-495	460	10	,	,	PUNCT
abrj-495	460	11	hafizh	hafizh	PROPN
abrj-495	460	12	,	,	PUNCT
abrj-495	460	13	f.	f.	PROPN
abrj-495	460	14	,	,	PUNCT
abrj-495	460	15	&	&	CCONJ
abrj-495	460	16	wahyudi	wahyudi	NOUN
abrj-495	460	17	,	,	PUNCT
abrj-495	460	18	m.	m.	PROPN
abrj-495	460	19	f.	f.	PROPN
abrj-495	460	20	(	(	PUNCT
abrj-495	460	21	2024	2024	NUM
abrj-495	460	22	)	)	PUNCT
abrj-495	460	23	.	.	PUNCT
abrj-495	461	1	an	an	DET
abrj-495	461	2	analysis	analysis	NOUN
abrj-495	461	3	of	of	ADP
abrj-495	461	4	the	the	DET
abrj-495	461	5	effect	effect	NOUN
abrj-495	461	6	of	of	ADP
abrj-495	461	7	using	use	VERB
abrj-495	461	8	online	online	ADJ
abrj-495	461	9	loans	loan	NOUN
abrj-495	461	10	on	on	ADP
abrj-495	461	11	user	user	NOUN
abrj-495	461	12	data	data	PROPN
abrj-495	461	13	privacy	privacy	PROPN
abrj-495	461	14	.	.	PUNCT
abrj-495	462	1	international	international	ADJ
abrj-495	462	2	journal	journal	PROPN
abrj-495	462	3	of	of	ADP
abrj-495	462	4	advanced	advanced	ADJ
abrj-495	462	5	computer	computer	NOUN
abrj-495	462	6	science	science	NOUN
abrj-495	462	7	and	and	CCONJ
abrj-495	462	8	applications	application	NOUN
abrj-495	462	9	,	,	PUNCT
abrj-495	462	10	15(7	15(7	NUM
abrj-495	462	11	)	)	PUNCT
abrj-495	462	12	,	,	PUNCT
abrj-495	462	13	1211–1216	1211–1216	NUM
abrj-495	462	14	.	.	PUNCT
abrj-495	463	1	https://doi.org/10.14569/ijacsa.2024.01507118	https://doi.org/10.14569/ijacsa.2024.01507118	PROPN
abrj-495	463	2	tahar	tahar	PROPN
abrj-495	463	3	,	,	PUNCT
abrj-495	463	4	a.	a.	NOUN
abrj-495	463	5	,	,	PUNCT
abrj-495	463	6	riyadh	riyadh	PROPN
abrj-495	463	7	,	,	PUNCT
abrj-495	463	8	h.	h.	PROPN
abrj-495	463	9	a.	a.	PROPN
abrj-495	463	10	,	,	PUNCT
abrj-495	463	11	sofyani	sofyani	PROPN
abrj-495	463	12	,	,	PUNCT
abrj-495	463	13	h.	h.	PROPN
abrj-495	463	14	,	,	PUNCT
abrj-495	463	15	&	&	CCONJ
abrj-495	463	16	purnomo	purnomo	PROPN
abrj-495	463	17	,	,	PUNCT
abrj-495	463	18	w.	w.	PROPN
abrj-495	463	19	e.	e.	PROPN
abrj-495	463	20	(	(	PUNCT
abrj-495	463	21	2020	2020	NUM
abrj-495	463	22	)	)	PUNCT
abrj-495	463	23	.	.	PUNCT
abrj-495	464	1	perceived	perceive	VERB
abrj-495	464	2	ease	ease	NOUN
abrj-495	464	3	of	of	ADP
abrj-495	464	4	use	use	NOUN
abrj-495	464	5	,	,	PUNCT
abrj-495	464	6	perceived	perceive	VERB
abrj-495	464	7	usefulness	usefulness	NOUN
abrj-495	464	8	,	,	PUNCT
abrj-495	464	9	perceived	perceive	VERB
abrj-495	464	10	security	security	NOUN
abrj-495	464	11	and	and	CCONJ
abrj-495	464	12	intention	intention	NOUN
abrj-495	464	13	to	to	PART
abrj-495	464	14	use	use	VERB
abrj-495	464	15	e	e	NOUN
abrj-495	464	16	-	-	NOUN
abrj-495	464	17	filing	filing	NOUN
abrj-495	464	18	:	:	PUNCT
abrj-495	464	19	the	the	DET
abrj-495	464	20	role	role	NOUN
abrj-495	464	21	of	of	ADP
abrj-495	464	22	technology	technology	NOUN
abrj-495	464	23	readiness	readiness	NOUN
abrj-495	464	24	.	.	PUNCT
abrj-495	465	1	journal	journal	NOUN
abrj-495	465	2	of	of	ADP
abrj-495	465	3	asian	asian	ADJ
abrj-495	465	4	finance	finance	NOUN
abrj-495	465	5	,	,	PUNCT
abrj-495	465	6	economics	economic	NOUN
abrj-495	465	7	and	and	CCONJ
abrj-495	465	8	business	business	NOUN
abrj-495	465	9	,	,	PUNCT
abrj-495	465	10	7(9	7(9	NUM
abrj-495	465	11	)	)	PUNCT
abrj-495	465	12	,	,	PUNCT
abrj-495	465	13	537–547	537–547	NUM
abrj-495	465	14	.	.	PUNCT
abrj-495	466	1	https://doi.org/10.13106/jafeb.2020.vol7.no9.537	https://doi.org/10.13106/jafeb.2020.vol7.no9.537	PROPN
abrj-495	466	2	taylor	taylor	PROPN
abrj-495	466	3	,	,	PUNCT
abrj-495	466	4	j.	j.	PROPN
abrj-495	466	5	w.	w.	PROPN
abrj-495	466	6	(	(	PUNCT
abrj-495	466	7	1974	1974	NUM
abrj-495	466	8	)	)	PUNCT
abrj-495	466	9	.	.	PUNCT
abrj-495	467	1	the	the	DET
abrj-495	467	2	role	role	NOUN
abrj-495	467	3	of	of	ADP
abrj-495	467	4	risk	risk	NOUN
abrj-495	467	5	in	in	ADP
abrj-495	467	6	consumer	consumer	NOUN
abrj-495	467	7	behavior	behavior	NOUN
abrj-495	467	8	:	:	PUNCT
abrj-495	467	9	a	a	DET
abrj-495	467	10	comprehensive	comprehensive	ADJ
abrj-495	467	11	and	and	CCONJ
abrj-495	467	12	operational	operational	ADJ
abrj-495	467	13	theory	theory	NOUN
abrj-495	467	14	of	of	ADP
abrj-495	467	15	risk	risk	NOUN
abrj-495	467	16	taking	take	VERB
abrj-495	467	17	in	in	ADP
abrj-495	467	18	consumer	consumer	NOUN
abrj-495	467	19	behavior	behavior	NOUN
abrj-495	467	20	.	.	PUNCT
abrj-495	468	1	journal	journal	PROPN
abrj-495	468	2	of	of	ADP
abrj-495	468	3	marketing	marketing	NOUN
abrj-495	468	4	,	,	PUNCT
abrj-495	468	5	38(2	38(2	NOUN
abrj-495	468	6	)	)	PUNCT
abrj-495	468	7	,	,	PUNCT
abrj-495	468	8	54–60	54–60	NUM
abrj-495	468	9	.	.	PUNCT
abrj-495	469	1	https://doi.org/10.1177/002224297403800211	https://doi.org/10.1177/002224297403800211	NOUN
abrj-495	469	2	thomas	thomas	PROPN
abrj-495	469	3	,	,	PUNCT
abrj-495	469	4	g.	g.	PROPN
abrj-495	469	5	n.	n.	PROPN
abrj-495	469	6	,	,	PUNCT
abrj-495	469	7	nur	nur	PROPN
abrj-495	469	8	,	,	PUNCT
abrj-495	469	9	s.	s.	PROPN
abrj-495	469	10	m.	m.	PROPN
abrj-495	469	11	r.	r.	PROPN
abrj-495	469	12	,	,	PUNCT
abrj-495	469	13	&	&	CCONJ
abrj-495	469	14	indriaty	indriaty	PROPN
abrj-495	469	15	,	,	PUNCT
abrj-495	469	16	l.	l.	PROPN
abrj-495	469	17	(	(	PUNCT
abrj-495	469	18	2024	2024	NUM
abrj-495	469	19	)	)	PUNCT
abrj-495	469	20	.	.	PUNCT
abrj-495	470	1	the	the	DET
abrj-495	470	2	impact	impact	NOUN
abrj-495	470	3	of	of	ADP
abrj-495	470	4	financial	financial	ADJ
abrj-495	470	5	literacy	literacy	NOUN
abrj-495	470	6	,	,	PUNCT
abrj-495	470	7	social	social	ADJ
abrj-495	470	8	capital	capital	NOUN
abrj-495	470	9	,	,	PUNCT
abrj-495	470	10	and	and	CCONJ
abrj-495	470	11	financial	financial	ADJ
abrj-495	470	12	technology	technology	NOUN
abrj-495	470	13	on	on	ADP
abrj-495	470	14	financial	financial	ADJ
abrj-495	470	15	inclusion	inclusion	NOUN
abrj-495	470	16	of	of	ADP
abrj-495	470	17	indonesian	indonesian	ADJ
abrj-495	470	18	students	student	NOUN
abrj-495	470	19	.	.	PUNCT
abrj-495	471	1	international	international	ADJ
abrj-495	471	2	research	research	PROPN
abrj-495	471	3	journal	journal	PROPN
abrj-495	471	4	of	of	ADP
abrj-495	471	5	economics	economic	NOUN
abrj-495	471	6	and	and	CCONJ
abrj-495	471	7	management	management	NOUN
abrj-495	471	8	studies	study	NOUN
abrj-495	471	9	,	,	PUNCT
abrj-495	471	10	3(4	3(4	NUM
abrj-495	471	11	)	)	PUNCT
abrj-495	471	12	,	,	PUNCT
abrj-495	471	13	308–315	308–315	NUM
abrj-495	471	14	.	.	PUNCT
abrj-495	472	1	https://doi.org/10.56472/25835238/irjems-v3i4p140	https://doi.org/10.56472/25835238/irjems-v3i4p140	PROPN
abrj-495	472	2	tiwari	tiwari	PROPN
abrj-495	472	3	,	,	PUNCT
abrj-495	472	4	p.	p.	NOUN
abrj-495	472	5	,	,	PUNCT
abrj-495	472	6	tiwari	tiwari	PROPN
abrj-495	472	7	,	,	PUNCT
abrj-495	472	8	s.	s.	PROPN
abrj-495	472	9	k.	k.	PROPN
abrj-495	472	10	,	,	PUNCT
abrj-495	472	11	&	&	CCONJ
abrj-495	472	12	gupta	gupta	PROPN
abrj-495	472	13	,	,	PUNCT
abrj-495	472	14	a.	a.	NOUN
abrj-495	472	15	(	(	PUNCT
abrj-495	472	16	2021	2021	NUM
abrj-495	472	17	)	)	PUNCT
abrj-495	472	18	.	.	PUNCT
abrj-495	473	1	examining	examine	VERB
abrj-495	473	2	the	the	DET
abrj-495	473	3	impact	impact	NOUN
abrj-495	473	4	of	of	ADP
abrj-495	473	5	customers	customer	NOUN
abrj-495	473	6	’	’	PART
abrj-495	473	7	awareness	awareness	NOUN
abrj-495	473	8	,	,	PUNCT
abrj-495	473	9	risk	risk	NOUN
abrj-495	473	10	and	and	CCONJ
abrj-495	473	11	trust	trust	NOUN
abrj-495	473	12	in	in	ADP
abrj-495	473	13	m	m	NOUN
abrj-495	473	14	-	-	ADJ
abrj-495	473	15	banking	banking	NOUN
abrj-495	473	16	adoption	adoption	NOUN
abrj-495	473	17	.	.	PUNCT
abrj-495	474	1	fiib	fiib	PROPN
abrj-495	474	2	business	business	PROPN
abrj-495	474	3	review	review	PROPN
abrj-495	474	4	,	,	PUNCT
abrj-495	474	5	10(4	10(4	NUM
abrj-495	474	6	)	)	PUNCT
abrj-495	474	7	,	,	PUNCT
abrj-495	474	8	413–423	413–423	NUM
abrj-495	474	9	.	.	PUNCT
abrj-495	475	1	https://doi.org/10.1177/23197145211019924	https://doi.org/10.1177/23197145211019924	NOUN
abrj-495	475	2	van	van	PROPN
abrj-495	475	3	der	der	PROPN
abrj-495	475	4	schyff	schyff	NOUN
abrj-495	475	5	,	,	PUNCT
abrj-495	475	6	k.	k.	PROPN
abrj-495	475	7	,	,	PUNCT
abrj-495	475	8	&	&	CCONJ
abrj-495	475	9	flowerday	flowerday	PROPN
abrj-495	475	10	,	,	PUNCT
abrj-495	475	11	s.	s.	PROPN
abrj-495	475	12	(	(	PUNCT
abrj-495	475	13	2023	2023	NUM
abrj-495	475	14	)	)	PUNCT
abrj-495	475	15	.	.	PUNCT
abrj-495	476	1	the	the	DET
abrj-495	476	2	mediating	mediate	VERB
abrj-495	476	3	role	role	NOUN
abrj-495	476	4	of	of	ADP
abrj-495	476	5	perceived	perceive	VERB
abrj-495	476	6	risks	risk	NOUN
abrj-495	476	7	and	and	CCONJ
abrj-495	476	8	benefits	benefit	NOUN
abrj-495	476	9	when	when	SCONJ
abrj-495	476	10	self	self	NOUN
abrj-495	476	11	-	-	PUNCT
abrj-495	476	12	disclosing	disclosing	NOUN
abrj-495	476	13	:	:	PUNCT
abrj-495	476	14	a	a	DET
abrj-495	476	15	study	study	NOUN
abrj-495	476	16	of	of	ADP
abrj-495	476	17	social	social	ADJ
abrj-495	476	18	media	medium	NOUN
abrj-495	476	19	trust	trust	NOUN
abrj-495	476	20	and	and	CCONJ
abrj-495	476	21	fomo	fomo	NOUN
abrj-495	476	22	.	.	PUNCT
abrj-495	477	1	computers	computer	NOUN
abrj-495	477	2	&	&	CCONJ
abrj-495	477	3	security	security	NOUN
abrj-495	477	4	,	,	PUNCT
abrj-495	477	5	126	126	NUM
abrj-495	477	6	,	,	PUNCT
abrj-495	477	7	article	article	NOUN
abrj-495	477	8	103071	103071	NUM
abrj-495	477	9	.	.	PUNCT
abrj-495	478	1	https://doi.org/10.1016/j.cose.2022.103071	https://doi.org/10.1016/j.cose.2022.103071	ADJ
abrj-495	478	2	vijayagopal	vijayagopal	ADJ
abrj-495	478	3	,	,	PUNCT
abrj-495	478	4	p.	p.	NOUN
abrj-495	478	5	,	,	PUNCT
abrj-495	478	6	jain	jain	PROPN
abrj-495	478	7	,	,	PUNCT
abrj-495	478	8	b.	b.	PROPN
abrj-495	478	9	,	,	PUNCT
abrj-495	478	10	&	&	CCONJ
abrj-495	478	11	ayinippully	ayinippully	PROPN
abrj-495	478	12	viswanathan	viswanathan	PROPN
abrj-495	478	13	,	,	PUNCT
abrj-495	478	14	s.	s.	PROPN
abrj-495	478	15	(	(	PUNCT
abrj-495	478	16	2024	2024	NUM
abrj-495	478	17	)	)	PUNCT
abrj-495	478	18	.	.	PUNCT
abrj-495	479	1	regulations	regulation	NOUN
abrj-495	479	2	and	and	CCONJ
abrj-495	479	3	fintech	fintech	NOUN
abrj-495	479	4	:	:	PUNCT
abrj-495	479	5	a	a	DET
abrj-495	479	6	comparative	comparative	ADJ
abrj-495	479	7	study	study	NOUN
abrj-495	479	8	of	of	ADP
abrj-495	479	9	the	the	DET
abrj-495	479	10	developed	developed	ADJ
abrj-495	479	11	and	and	CCONJ
abrj-495	479	12	developing	develop	VERB
abrj-495	479	13	countries	country	NOUN
abrj-495	479	14	.	.	PUNCT
abrj-495	480	1	journal	journal	NOUN
abrj-495	480	2	of	of	ADP
abrj-495	480	3	risk	risk	NOUN
abrj-495	480	4	and	and	CCONJ
abrj-495	480	5	financial	financial	ADJ
abrj-495	480	6	management	management	NOUN
abrj-495	480	7	,	,	PUNCT
abrj-495	480	8	17(8	17(8	NUM
abrj-495	480	9	)	)	PUNCT
abrj-495	480	10	,	,	PUNCT
abrj-495	480	11	article	article	NOUN
abrj-495	480	12	324	324	NUM
abrj-495	480	13	.	.	PUNCT
abrj-495	481	1	https://doi.org/10.3390/jrfm17080324	https://doi.org/10.3390/jrfm17080324	PROPN
abrj-495	481	2	wang	wang	PROPN
abrj-495	481	3	,	,	PUNCT
abrj-495	481	4	c.	c.	PROPN
abrj-495	481	5	,	,	PUNCT
abrj-495	481	6	ahmad	ahmad	PROPN
abrj-495	481	7	,	,	PUNCT
abrj-495	481	8	s.	s.	PROPN
abrj-495	481	9	f.	f.	PROPN
abrj-495	481	10	,	,	PUNCT
abrj-495	481	11	bani	bani	PROPN
abrj-495	481	12	ahmad	ahmad	PROPN
abrj-495	481	13	ayassrah	ayassrah	PROPN
abrj-495	481	14	,	,	PUNCT
abrj-495	481	15	a.	a.	PROPN
abrj-495	481	16	y.	y.	PROPN
abrj-495	481	17	a.	a.	PROPN
abrj-495	481	18	,	,	PUNCT
abrj-495	481	19	awwad	awwad	PROPN
abrj-495	481	20	,	,	PUNCT
abrj-495	481	21	e.	e.	PROPN
abrj-495	481	22	m.	m.	PROPN
abrj-495	481	23	,	,	PUNCT
abrj-495	481	24	irshad	irshad	ADJ
abrj-495	481	25	,	,	PUNCT
abrj-495	481	26	m.	m.	NOUN
abrj-495	481	27	,	,	PUNCT
abrj-495	481	28	ali	ali	PROPN
abrj-495	481	29	,	,	PUNCT
abrj-495	481	30	y.	y.	PROPN
abrj-495	481	31	a.	a.	PROPN
abrj-495	481	32	,	,	PUNCT
abrj-495	481	33	al	al	PROPN
abrj-495	481	34	-	-	PUNCT
abrj-495	481	35	razgan	razgan	NOUN
abrj-495	481	36	,	,	PUNCT
abrj-495	481	37	m.	m.	NOUN
abrj-495	481	38	,	,	PUNCT
abrj-495	481	39	khan	khan	PROPN
abrj-495	481	40	,	,	PUNCT
abrj-495	481	41	y.	y.	PROPN
abrj-495	481	42	,	,	PUNCT
abrj-495	481	43	&	&	CCONJ
abrj-495	481	44	han	han	PROPN
abrj-495	481	45	,	,	PUNCT
abrj-495	481	46	h.	h.	PROPN
abrj-495	481	47	(	(	PUNCT
abrj-495	481	48	2023	2023	NUM
abrj-495	481	49	)	)	PUNCT
abrj-495	481	50	.	.	PUNCT
abrj-495	482	1	an	an	DET
abrj-495	482	2	empirical	empirical	ADJ
abrj-495	482	3	evaluation	evaluation	NOUN
abrj-495	482	4	of	of	ADP
abrj-495	482	5	technology	technology	NOUN
abrj-495	482	6	acceptance	acceptance	NOUN
abrj-495	482	7	model	model	NOUN
abrj-495	482	8	for	for	ADP
abrj-495	482	9	artificial	artificial	ADJ
abrj-495	482	10	intelligence	intelligence	NOUN
abrj-495	482	11	in	in	ADP
abrj-495	482	12	e	e	PROPN
abrj-495	482	13	-	-	NOUN
abrj-495	482	14	commerce	commerce	NOUN
abrj-495	482	15	.	.	PUNCT
abrj-495	482	16	heliyon	heliyon	PROPN
abrj-495	482	17	,	,	PUNCT
abrj-495	482	18	9(8	9(8	NUM
abrj-495	482	19	)	)	PUNCT
abrj-495	482	20	,	,	PUNCT
abrj-495	482	21	article	article	NOUN
abrj-495	482	22	e18349	e18349	NOUN
abrj-495	482	23	.	.	PROPN
abrj-495	482	24	https://doi.org/10.1016/j.heliyon.2023.e18349	https://doi.org/10.1016/j.heliyon.2023.e18349	PROPN
abrj-495	482	25	wang	wang	PROPN
abrj-495	482	26	,	,	PUNCT
abrj-495	482	27	c.	c.	PROPN
abrj-495	482	28	,	,	PUNCT
abrj-495	482	29	liu	liu	PROPN
abrj-495	482	30	,	,	PUNCT
abrj-495	482	31	t.	t.	PROPN
abrj-495	482	32	,	,	PUNCT
abrj-495	482	33	zhu	zhu	PROPN
abrj-495	482	34	,	,	PUNCT
abrj-495	482	35	y.	y.	PROPN
abrj-495	482	36	,	,	PUNCT
abrj-495	482	37	wang	wang	PROPN
abrj-495	482	38	,	,	PUNCT
abrj-495	482	39	h.	h.	PROPN
abrj-495	482	40	,	,	PUNCT
abrj-495	482	41	wang	wang	PROPN
abrj-495	482	42	,	,	PUNCT
abrj-495	482	43	x.	x.	PROPN
abrj-495	482	44	,	,	PUNCT
abrj-495	482	45	&	&	CCONJ
abrj-495	482	46	zhao	zhao	PROPN
abrj-495	482	47	,	,	PUNCT
abrj-495	482	48	s.	s.	PROPN
abrj-495	482	49	(	(	PUNCT
abrj-495	482	50	2023	2023	NUM
abrj-495	482	51	)	)	PUNCT
abrj-495	482	52	.	.	PUNCT
abrj-495	483	1	the	the	DET
abrj-495	483	2	influence	influence	NOUN
abrj-495	483	3	of	of	ADP
abrj-495	483	4	consumer	consumer	NOUN
abrj-495	483	5	perception	perception	NOUN
abrj-495	483	6	on	on	ADP
abrj-495	483	7	purchase	purchase	NOUN
abrj-495	483	8	intention	intention	NOUN
abrj-495	483	9	:	:	PUNCT
abrj-495	483	10	evidence	evidence	NOUN
abrj-495	483	11	from	from	ADP
abrj-495	483	12	cross	cross	ADJ
abrj-495	483	13	-	-	ADJ
abrj-495	483	14	border	border	ADJ
abrj-495	483	15	e	e	PROPN
abrj-495	483	16	-	-	NOUN
abrj-495	483	17	commerce	commerce	NOUN
abrj-495	483	18	platforms	platform	NOUN
abrj-495	483	19	.	.	PUNCT
abrj-495	484	1	heliyon	heliyon	NOUN
abrj-495	484	2	,	,	PUNCT
abrj-495	484	3	9(11	9(11	NUM
abrj-495	484	4	)	)	PUNCT
abrj-495	484	5	,	,	PUNCT
abrj-495	484	6	article	article	PROPN
abrj-495	484	7	e21617	e21617	PROPN
abrj-495	484	8	.	.	PROPN
abrj-495	484	9	https://doi.org/10.1016/j.heliyon.2023.e21617	https://doi.org/10.1016/j.heliyon.2023.e21617	PROPN
abrj-495	484	10	wang	wang	PROPN
abrj-495	484	11	,	,	PUNCT
abrj-495	484	12	p.	p.	PROPN
abrj-495	484	13	,	,	PUNCT
abrj-495	484	14	zheng	zheng	PROPN
abrj-495	484	15	,	,	PUNCT
abrj-495	484	16	h.	h.	PROPN
abrj-495	484	17	,	,	PUNCT
abrj-495	484	18	chen	chen	PROPN
abrj-495	484	19	,	,	PUNCT
abrj-495	484	20	d.	d.	PROPN
abrj-495	484	21	,	,	PUNCT
abrj-495	484	22	&	&	CCONJ
abrj-495	484	23	ding	ding	PROPN
abrj-495	484	24	,	,	PUNCT
abrj-495	484	25	l.	l.	PROPN
abrj-495	484	26	(	(	PUNCT
abrj-495	484	27	2015	2015	NUM
abrj-495	484	28	)	)	PUNCT
abrj-495	484	29	.	.	PUNCT
abrj-495	485	1	exploring	explore	VERB
abrj-495	485	2	the	the	DET
abrj-495	485	3	critical	critical	ADJ
abrj-495	485	4	factors	factor	NOUN
abrj-495	485	5	influencing	influence	VERB
abrj-495	485	6	online	online	ADJ
abrj-495	485	7	lending	lending	NOUN
abrj-495	485	8	intentions	intention	NOUN
abrj-495	485	9	.	.	PUNCT
abrj-495	486	1	financial	financial	ADJ
abrj-495	486	2	innovation	innovation	NOUN
abrj-495	486	3	,	,	PUNCT
abrj-495	486	4	1(1	1(1	NUM
abrj-495	486	5	)	)	PUNCT
abrj-495	486	6	,	,	PUNCT
abrj-495	486	7	article	article	NOUN
abrj-495	486	8	8	8	NUM
abrj-495	486	9	.	.	PUNCT
abrj-495	487	1	https://doi.org/10.1186/s40854-015-0010-9	https://doi.org/10.1186/s40854-015-0010-9	NUM
abrj-495	487	2	wang	wang	PROPN
abrj-495	487	3	,	,	PUNCT
abrj-495	487	4	y.	y.	PROPN
abrj-495	487	5	,	,	PUNCT
abrj-495	487	6	min	min	PROPN
abrj-495	487	7	,	,	PUNCT
abrj-495	487	8	q.	q.	PROPN
abrj-495	487	9	,	,	PUNCT
abrj-495	487	10	&	&	CCONJ
abrj-495	487	11	han	han	PROPN
abrj-495	487	12	,	,	PUNCT
abrj-495	487	13	s.	s.	PROPN
abrj-495	487	14	(	(	PUNCT
abrj-495	487	15	2016	2016	NUM
abrj-495	487	16	)	)	PUNCT
abrj-495	487	17	.	.	PUNCT
abrj-495	488	1	understanding	understand	VERB
abrj-495	488	2	the	the	DET
abrj-495	488	3	effects	effect	NOUN
abrj-495	488	4	of	of	ADP
abrj-495	488	5	trust	trust	NOUN
abrj-495	488	6	and	and	CCONJ
abrj-495	488	7	risk	risk	NOUN
abrj-495	488	8	on	on	ADP
abrj-495	488	9	individual	individual	ADJ
abrj-495	488	10	behavior	behavior	NOUN
abrj-495	488	11	toward	toward	ADP
abrj-495	488	12	social	social	ADJ
abrj-495	488	13	media	medium	NOUN
abrj-495	488	14	platforms	platform	NOUN
abrj-495	488	15	:	:	PUNCT
abrj-495	488	16	a	a	DET
abrj-495	488	17	meta	meta	ADJ
abrj-495	488	18	-	-	PUNCT
abrj-495	488	19	analysis	analysis	NOUN
abrj-495	488	20	of	of	ADP
abrj-495	488	21	the	the	DET
abrj-495	488	22	empirical	empirical	ADJ
abrj-495	488	23	evidence	evidence	NOUN
abrj-495	488	24	.	.	PUNCT
abrj-495	489	1	computers	computer	NOUN
abrj-495	489	2	in	in	ADP
abrj-495	489	3	human	human	ADJ
abrj-495	489	4	behavior	behavior	NOUN
abrj-495	489	5	,	,	PUNCT
abrj-495	489	6	56	56	NUM
abrj-495	489	7	,	,	PUNCT
abrj-495	489	8	34–44	34–44	NUM
abrj-495	489	9	.	.	PUNCT
abrj-495	490	1	https://doi.org/10.1016/j.chb.2015.11.011	https://doi.org/10.1016/j.chb.2015.11.011	PROPN
abrj-495	490	2	wanof	wanof	NOUN
abrj-495	490	3	,	,	PUNCT
abrj-495	490	4	m.	m.	NOUN
abrj-495	490	5	i.	i.	PROPN
abrj-495	490	6	(	(	PUNCT
abrj-495	490	7	2023	2023	NUM
abrj-495	490	8	)	)	PUNCT
abrj-495	490	9	.	.	PUNCT
abrj-495	491	1	digital	digital	ADJ
abrj-495	491	2	technology	technology	NOUN
abrj-495	491	3	innovation	innovation	NOUN
abrj-495	491	4	in	in	ADP
abrj-495	491	5	improving	improve	VERB
abrj-495	491	6	financial	financial	ADJ
abrj-495	491	7	access	access	NOUN
abrj-495	491	8	for	for	ADP
abrj-495	491	9	low	low	ADJ
abrj-495	491	10	-	-	PUNCT
abrj-495	491	11	income	income	NOUN
abrj-495	491	12	communities	community	NOUN
abrj-495	491	13	.	.	PUNCT
abrj-495	492	1	technology	technology	NOUN
abrj-495	492	2	and	and	CCONJ
abrj-495	492	3	society	society	NOUN
abrj-495	492	4	perspectives	perspective	NOUN
abrj-495	492	5	,	,	PUNCT
abrj-495	492	6	1(1	1(1	NUM
abrj-495	492	7	)	)	PUNCT
abrj-495	492	8	,	,	PUNCT
abrj-495	492	9	26–34	26–34	NUM
abrj-495	492	10	.	.	PUNCT
abrj-495	493	1	https://doi.org/10.61100/tacit.v1i1.35	https://doi.org/10.61100/tacit.v1i1.35	PROPN
abrj-495	493	2	https://doi.org/10.3390/su15065059	https://doi.org/10.3390/su15065059	PROPN
abrj-495	493	3	https://doi.org/10.1016/j.actpsy.2024.104303	https://doi.org/10.1016/j.actpsy.2024.104303	NOUN
abrj-495	493	4	https://doi.org/10.1080/23311975.2021.1898301	https://doi.org/10.1080/23311975.2021.1898301	PROPN
abrj-495	493	5	https://doi.org/10.3390/jrfm17100468	https://doi.org/10.3390/jrfm17100468	PROPN
abrj-495	493	6	https://doi.org/10.3390/su13169145	https://doi.org/10.3390/su13169145	ADJ
abrj-495	493	7	https://doi.org/10.1016/j.heliyon.2024.e24127	https://doi.org/10.1016/j.heliyon.2024.e24127	NOUN
abrj-495	493	8	https://doi.org/10.1080/23311975.2024.2413376	https://doi.org/10.1080/23311975.2024.2413376	PROPN
abrj-495	493	9	https://doi.org/10.47941/ijf.2224	https://doi.org/10.47941/ijf.2224	PROPN
abrj-495	493	10	https://doi.org/10.1007/s43039-023-00063-6	https://doi.org/10.1007/s43039-023-00063-6	PRON
abrj-495	493	11	https://doi.org/10.3390/jrfm18050255	https://doi.org/10.3390/jrfm18050255	PROPN
abrj-495	493	12	https://doi.org/10.1016/j.iref.2025.103989	https://doi.org/10.1016/j.iref.2025.103989	PROPN
abrj-495	493	13	https://doi.org/10.59827/jfeb.v2i2.90	https://doi.org/10.59827/jfeb.v2i2.90	NOUN
abrj-495	493	14	https://doi.org/10.37641/jimkes.v12i1.2209	https://doi.org/10.37641/jimkes.v12i1.2209	VERB
abrj-495	493	15	https://doi.org/10.58812/wsbm.v3i01.1794	https://doi.org/10.58812/wsbm.v3i01.1794	PROPN
abrj-495	493	16	https://doi.org/10.1016/j.heliyon.2019.e02690	https://doi.org/10.1016/j.heliyon.2019.e02690	AUX
abrj-495	493	17	https://doi.org/10.33633/jpeb.v10i1.12147	https://doi.org/10.33633/jpeb.v10i1.12147	PROPN
abrj-495	493	18	https://doi.org/10.23960/ijebe.v6i2.210	https://doi.org/10.23960/ijebe.v6i2.210	PROPN
abrj-495	493	19	https://doi.org/10.17358/jabm.11.2.468	https://doi.org/10.17358/jabm.11.2.468	PROPN
abrj-495	493	20	https://doi.org/10.1016/j.jjimei.2024.100252	https://doi.org/10.1016/j.jjimei.2024.100252	PROPN
abrj-495	493	21	https://doi.org/10.1093/oso/9780195304213.001.0001	https://doi.org/10.1093/oso/9780195304213.001.0001	VERB
abrj-495	493	22	https://doi.org/10.1057/s41599-024-03395-6	https://doi.org/10.1057/s41599-024-03395-6	PROPN
abrj-495	493	23	https://doi.org/10.1057/s41599-024-03395-6	https://doi.org/10.1057/s41599-024-03395-6	NUM
abrj-495	493	24	https://doi.org/10.32497/keunis.v13i1.6120	https://doi.org/10.32497/keunis.v13i1.6120	PUNCT
abrj-495	493	25	https://doi.org/10.21831/jim.v21i2.78161	https://doi.org/10.21831/jim.v21i2.78161	PUNCT
abrj-495	493	26	https://doi.org/10.1016/j.heliyon.2021.e06782	https://doi.org/10.1016/j.heliyon.2021.e06782	PRON
abrj-495	493	27	https://doi.org/10.14569/ijacsa.2024.01507118	https://doi.org/10.14569/ijacsa.2024.01507118	PROPN
abrj-495	493	28	https://doi.org/10.13106/jafeb.2020.vol7.no9.537	https://doi.org/10.13106/jafeb.2020.vol7.no9.537	NOUN
abrj-495	493	29	https://doi.org/10.1177/002224297403800211	https://doi.org/10.1177/002224297403800211	NOUN
abrj-495	493	30	https://doi.org/10.56472/25835238/irjems-v3i4p140	https://doi.org/10.56472/25835238/irjems-v3i4p140	PROPN
abrj-495	493	31	https://doi.org/10.1177/23197145211019924	https://doi.org/10.1177/23197145211019924	NOUN
abrj-495	493	32	https://doi.org/10.1016/j.cose.2022.103071	https://doi.org/10.1016/j.cose.2022.103071	ADJ
abrj-495	493	33	https://doi.org/10.3390/jrfm17080324	https://doi.org/10.3390/jrfm17080324	PROPN
abrj-495	493	34	https://doi.org/10.1016/j.heliyon.2023.e18349	https://doi.org/10.1016/j.heliyon.2023.e18349	X
abrj-495	494	1	https://doi.org/10.1016/j.heliyon.2023.e21617	https://doi.org/10.1016/j.heliyon.2023.e21617	ADP
abrj-495	494	2	https://doi.org/10.1186/s40854-015-0010-9	https://doi.org/10.1186/s40854-015-0010-9	NUM
abrj-495	494	3	https://doi.org/10.1016/j.chb.2015.11.011	https://doi.org/10.1016/j.chb.2015.11.011	PROPN
abrj-495	494	4	https://doi.org/10.61100/tacit.v1i1.35	https://doi.org/10.61100/tacit.v1i1.35	PROPN
abrj-495	494	5	asian	asian	PROPN
abrj-495	494	6	business	business	PROPN
abrj-495	494	7	research	research	NOUN
abrj-495	494	8	journal	journal	NOUN
abrj-495	494	9	,	,	PUNCT
abrj-495	494	10	2025	2025	NUM
abrj-495	494	11	,	,	PUNCT
abrj-495	494	12	10(7	10(7	NUM
abrj-495	494	13	):	):	PUNCT
abrj-495	494	14	50	50	NUM
abrj-495	494	15	-	-	SYM
abrj-495	494	16	59	59	NUM
abrj-495	494	17	59	59	NUM
abrj-495	494	18	©	©	ADP
abrj-495	494	19	2025	2025	NUM
abrj-495	494	20	by	by	ADP
abrj-495	494	21	the	the	DET
abrj-495	494	22	authors	author	NOUN
abrj-495	494	23	;	;	PUNCT
abrj-495	494	24	licensee	licensee	NOUN
abrj-495	494	25	eastern	eastern	ADJ
abrj-495	494	26	centre	centre	NOUN
abrj-495	494	27	of	of	ADP
abrj-495	494	28	science	science	NOUN
abrj-495	494	29	and	and	CCONJ
abrj-495	494	30	education	education	NOUN
abrj-495	494	31	,	,	PUNCT
abrj-495	494	32	usa	usa	PROPN
abrj-495	494	33	wijayanti	wijayanti	PROPN
abrj-495	494	34	,	,	PUNCT
abrj-495	494	35	t.	t.	PROPN
abrj-495	494	36	c.	c.	PROPN
abrj-495	494	37	(	(	PUNCT
abrj-495	494	38	2020	2020	NUM
abrj-495	494	39	)	)	PUNCT
abrj-495	494	40	.	.	PUNCT
abrj-495	495	1	business	business	NOUN
abrj-495	495	2	management	management	NOUN
abrj-495	495	3	training	training	NOUN
abrj-495	495	4	in	in	ADP
abrj-495	495	5	bank	bank	PROPN
abrj-495	495	6	bakti	bakti	PROPN
abrj-495	495	7	haji	haji	PROPN
abrj-495	495	8	malang	malang	PROPN
abrj-495	495	9	.	.	PUNCT
abrj-495	496	1	kontribusia	kontribusia	PROPN
abrj-495	496	2	:	:	PUNCT
abrj-495	497	1	research	research	NOUN
abrj-495	497	2	dissemination	dissemination	NOUN
abrj-495	497	3	for	for	ADP
abrj-495	497	4	community	community	NOUN
abrj-495	497	5	development	development	NOUN
abrj-495	497	6	,	,	PUNCT
abrj-495	497	7	3(1	3(1	NUM
abrj-495	497	8	)	)	PUNCT
abrj-495	497	9	,	,	PUNCT
abrj-495	497	10	275–277	275–277	NUM
abrj-495	497	11	.	.	PUNCT
abrj-495	498	1	https://doi.org/10.30587/kontribusia.v3i1.1143	https://doi.org/10.30587/kontribusia.v3i1.1143	PROPN
abrj-495	498	2	wijayanti	wijayanti	PROPN
abrj-495	498	3	,	,	PUNCT
abrj-495	498	4	t.	t.	PROPN
abrj-495	498	5	c.	c.	PROPN
abrj-495	498	6	(	(	PUNCT
abrj-495	498	7	2021	2021	NUM
abrj-495	498	8	)	)	PUNCT
abrj-495	498	9	.	.	PUNCT
abrj-495	499	1	remuneration	remuneration	NOUN
abrj-495	499	2	function	function	NOUN
abrj-495	499	3	in	in	ADP
abrj-495	499	4	improving	improve	VERB
abrj-495	499	5	work	work	NOUN
abrj-495	499	6	satisfaction	satisfaction	NOUN
abrj-495	499	7	and	and	CCONJ
abrj-495	499	8	productivity	productivity	NOUN
abrj-495	499	9	at	at	ADP
abrj-495	499	10	state	state	NOUN
abrj-495	499	11	-	-	PUNCT
abrj-495	499	12	owned	own	VERB
abrj-495	499	13	indonesian	indonesian	PROPN
abrj-495	499	14	harbour	harbour	PROPN
abrj-495	499	15	iii	iii	PROPN
abrj-495	499	16	.	.	PROPN
abrj-495	499	17	palarch	palarch	PROPN
abrj-495	499	18	’s	’s	PART
abrj-495	499	19	journal	journal	PROPN
abrj-495	499	20	of	of	ADP
abrj-495	499	21	archaeology	archaeology	NOUN
abrj-495	499	22	of	of	ADP
abrj-495	499	23	egypt	egypt	PROPN
abrj-495	499	24	/	/	SYM
abrj-495	499	25	egyptology	egyptology	NOUN
abrj-495	499	26	,	,	PUNCT
abrj-495	499	27	18(2	18(2	NUM
abrj-495	499	28	)	)	PUNCT
abrj-495	499	29	,	,	PUNCT
abrj-495	499	30	497–510	497–510	NUM
abrj-495	499	31	.	.	PUNCT
abrj-495	500	1	https://archives.palarch.nl/index.php/jae/article/view/6608	https://archives.palarch.nl/index.php/jae/article/view/6608	NOUN
abrj-495	500	2	wijayanti	wijayanti	PROPN
abrj-495	500	3	,	,	PUNCT
abrj-495	500	4	t.	t.	PROPN
abrj-495	500	5	c.	c.	PROPN
abrj-495	500	6	(	(	PUNCT
abrj-495	500	7	2024	2024	NUM
abrj-495	500	8	)	)	PUNCT
abrj-495	500	9	.	.	PUNCT
abrj-495	501	1	employee	employee	NOUN
abrj-495	501	2	loyalty	loyalty	NOUN
abrj-495	501	3	transformation	transformation	NOUN
abrj-495	501	4	:	:	PUNCT
abrj-495	501	5	motivation	motivation	NOUN
abrj-495	501	6	,	,	PUNCT
abrj-495	501	7	discipline	discipline	NOUN
abrj-495	501	8	,	,	PUNCT
abrj-495	501	9	work	work	NOUN
abrj-495	501	10	environment	environment	NOUN
abrj-495	501	11	,	,	PUNCT
abrj-495	501	12	commitment	commitment	NOUN
abrj-495	501	13	as	as	ADP
abrj-495	501	14	a	a	DET
abrj-495	501	15	moderator	moderator	NOUN
abrj-495	501	16	.	.	PUNCT
abrj-495	502	1	indonesian	indonesian	ADJ
abrj-495	502	2	interdisciplinary	interdisciplinary	ADJ
abrj-495	502	3	journal	journal	NOUN
abrj-495	502	4	of	of	ADP
abrj-495	502	5	sharia	sharia	PROPN
abrj-495	502	6	economics	economic	NOUN
abrj-495	502	7	,	,	PUNCT
abrj-495	502	8	7(3	7(3	NUM
abrj-495	502	9	)	)	PUNCT
abrj-495	502	10	,	,	PUNCT
abrj-495	502	11	5466–5488	5466–5488	NUM
abrj-495	502	12	.	.	PUNCT
abrj-495	503	1	https://doi.org/10.31538/iijse.v7i3.5410	https://doi.org/10.31538/iijse.v7i3.5410	PROPN
abrj-495	503	2	yahaya	yahaya	PROPN
abrj-495	503	3	,	,	PUNCT
abrj-495	503	4	r.	r.	PROPN
abrj-495	503	5	,	,	PUNCT
abrj-495	503	6	zainol	zainol	NOUN
abrj-495	503	7	,	,	PUNCT
abrj-495	503	8	z.	z.	PROPN
abrj-495	503	9	,	,	PUNCT
abrj-495	503	10	abidin	abidin	PROPN
abrj-495	503	11	,	,	PUNCT
abrj-495	503	12	j.	j.	PROPN
abrj-495	503	13	h.	h.	PROPN
abrj-495	503	14	o.	o.	PROPN
abrj-495	503	15	@	@	PUNCT
abrj-495	504	1	z.	z.	PROPN
abrj-495	504	2	,	,	PUNCT
abrj-495	504	3	&	&	CCONJ
abrj-495	504	4	ismail	ismail	PROPN
abrj-495	504	5	,	,	PUNCT
abrj-495	504	6	r.	r.	PROPN
abrj-495	504	7	(	(	PUNCT
abrj-495	504	8	2019	2019	NUM
abrj-495	504	9	)	)	PUNCT
abrj-495	504	10	.	.	PUNCT
abrj-495	505	1	the	the	DET
abrj-495	505	2	effect	effect	NOUN
abrj-495	505	3	of	of	ADP
abrj-495	505	4	financial	financial	ADJ
abrj-495	505	5	knowledge	knowledge	NOUN
abrj-495	505	6	and	and	CCONJ
abrj-495	505	7	financial	financial	ADJ
abrj-495	505	8	attitudes	attitude	NOUN
abrj-495	505	9	on	on	ADP
abrj-495	505	10	financial	financial	ADJ
abrj-495	505	11	behavior	behavior	NOUN
abrj-495	505	12	among	among	ADP
abrj-495	505	13	university	university	NOUN
abrj-495	505	14	students	student	NOUN
abrj-495	505	15	.	.	PUNCT
abrj-495	506	1	international	international	ADJ
abrj-495	506	2	journal	journal	PROPN
abrj-495	506	3	of	of	ADP
abrj-495	506	4	academic	academic	ADJ
abrj-495	506	5	research	research	NOUN
abrj-495	506	6	in	in	ADP
abrj-495	506	7	business	business	NOUN
abrj-495	506	8	and	and	CCONJ
abrj-495	506	9	social	social	ADJ
abrj-495	506	10	sciences	science	NOUN
abrj-495	506	11	,	,	PUNCT
abrj-495	506	12	9(8	9(8	NUM
abrj-495	506	13	)	)	PUNCT
abrj-495	506	14	,	,	PUNCT
abrj-495	506	15	22–32	22–32	NUM
abrj-495	506	16	.	.	PUNCT
abrj-495	507	1	https://doi.org/10.6007/ijarbss/v9-i8/6205	https://doi.org/10.6007/ijarbss/v9-i8/6205	X
abrj-495	507	2	yan	yan	PROPN
abrj-495	507	3	,	,	PUNCT
abrj-495	507	4	s.	s.	PROPN
abrj-495	507	5	,	,	PUNCT
abrj-495	507	6	yu	yu	PROPN
abrj-495	507	7	,	,	PUNCT
abrj-495	507	8	x.	x.	PROPN
abrj-495	507	9	,	,	PUNCT
abrj-495	507	10	zhang	zhang	PROPN
abrj-495	507	11	,	,	PUNCT
abrj-495	507	12	z.	z.	PROPN
abrj-495	507	13	,	,	PUNCT
abrj-495	507	14	&	&	CCONJ
abrj-495	507	15	gan	gan	PROPN
abrj-495	507	16	,	,	PUNCT
abrj-495	507	17	l.	l.	PROPN
abrj-495	507	18	(	(	PUNCT
abrj-495	507	19	2024	2024	NUM
abrj-495	507	20	)	)	PUNCT
abrj-495	507	21	.	.	PUNCT
abrj-495	508	1	understanding	understand	VERB
abrj-495	508	2	the	the	DET
abrj-495	508	3	acceptance	acceptance	NOUN
abrj-495	508	4	of	of	ADP
abrj-495	508	5	online	online	ADJ
abrj-495	508	6	tourism	tourism	NOUN
abrj-495	508	7	programs	program	NOUN
abrj-495	508	8	:	:	PUNCT
abrj-495	508	9	perspectives	perspective	NOUN
abrj-495	508	10	of	of	ADP
abrj-495	508	11	generic	generic	ADJ
abrj-495	508	12	learning	learning	NOUN
abrj-495	508	13	outcomes	outcome	NOUN
abrj-495	508	14	and	and	CCONJ
abrj-495	508	15	theory	theory	NOUN
abrj-495	508	16	of	of	ADP
abrj-495	508	17	planned	plan	VERB
abrj-495	508	18	behavior	behavior	NOUN
abrj-495	508	19	.	.	PUNCT
abrj-495	509	1	heliyon	heliyon	NOUN
abrj-495	509	2	,	,	PUNCT
abrj-495	509	3	10(15	10(15	NUM
abrj-495	509	4	)	)	PUNCT
abrj-495	509	5	,	,	PUNCT
abrj-495	509	6	article	article	NOUN
abrj-495	509	7	e35500	e35500	NOUN
abrj-495	509	8	.	.	PROPN
abrj-495	509	9	https://doi.org/10.1016/j.heliyon.2024.e35500	https://doi.org/10.1016/j.heliyon.2024.e35500	PROPN
abrj-495	509	10	yang	yang	PROPN
abrj-495	509	11	,	,	PUNCT
abrj-495	509	12	q.	q.	PROPN
abrj-495	509	13	,	,	PUNCT
abrj-495	509	14	pang	pang	NOUN
abrj-495	509	15	,	,	PUNCT
abrj-495	509	16	c.	c.	PROPN
abrj-495	509	17	,	,	PUNCT
abrj-495	509	18	liu	liu	PROPN
abrj-495	509	19	,	,	PUNCT
abrj-495	509	20	l.	l.	PROPN
abrj-495	509	21	,	,	PUNCT
abrj-495	509	22	yen	yen	PROPN
abrj-495	509	23	,	,	PUNCT
abrj-495	509	24	d.	d.	PROPN
abrj-495	509	25	c.	c.	PROPN
abrj-495	509	26	,	,	PUNCT
abrj-495	509	27	&	&	CCONJ
abrj-495	509	28	tarn	tarn	PROPN
abrj-495	509	29	,	,	PUNCT
abrj-495	509	30	j.	j.	PROPN
abrj-495	509	31	m.	m.	PROPN
abrj-495	509	32	(	(	PUNCT
abrj-495	509	33	2015	2015	NUM
abrj-495	509	34	)	)	PUNCT
abrj-495	509	35	.	.	PUNCT
abrj-495	510	1	exploring	explore	VERB
abrj-495	510	2	consumer	consumer	NOUN
abrj-495	510	3	perceived	perceive	VERB
abrj-495	510	4	risk	risk	NOUN
abrj-495	510	5	and	and	CCONJ
abrj-495	510	6	trust	trust	NOUN
abrj-495	510	7	for	for	ADP
abrj-495	510	8	online	online	ADJ
abrj-495	510	9	payments	payment	NOUN
abrj-495	510	10	:	:	PUNCT
abrj-495	510	11	an	an	DET
abrj-495	510	12	empirical	empirical	ADJ
abrj-495	510	13	study	study	NOUN
abrj-495	510	14	in	in	ADP
abrj-495	510	15	china	china	PROPN
abrj-495	510	16	’s	’s	PART
abrj-495	510	17	younger	young	ADJ
abrj-495	510	18	generation	generation	NOUN
abrj-495	510	19	.	.	PUNCT
abrj-495	511	1	computers	computer	NOUN
abrj-495	511	2	in	in	ADP
abrj-495	511	3	human	human	ADJ
abrj-495	511	4	behavior	behavior	NOUN
abrj-495	511	5	,	,	PUNCT
abrj-495	511	6	50	50	NUM
abrj-495	511	7	,	,	PUNCT
abrj-495	511	8	9–24	9–24	PROPN
abrj-495	511	9	.	.	PUNCT
abrj-495	512	1	https://doi.org/10.1016/j.chb.2015.03.058	https://doi.org/10.1016/j.chb.2015.03.058	PROPN
abrj-495	512	2	yue	yue	PROPN
abrj-495	512	3	,	,	PUNCT
abrj-495	512	4	p.	p.	PROPN
abrj-495	512	5	,	,	PUNCT
abrj-495	512	6	korkmaz	korkmaz	PROPN
abrj-495	512	7	,	,	PUNCT
abrj-495	512	8	a.	a.	PROPN
abrj-495	512	9	g.	g.	PROPN
abrj-495	512	10	,	,	PUNCT
abrj-495	512	11	yin	yin	PROPN
abrj-495	512	12	,	,	PUNCT
abrj-495	512	13	z.	z.	PROPN
abrj-495	512	14	,	,	PUNCT
abrj-495	512	15	&	&	CCONJ
abrj-495	512	16	zhou	zhou	PROPN
abrj-495	512	17	,	,	PUNCT
abrj-495	512	18	h.	h.	PROPN
abrj-495	512	19	(	(	PUNCT
abrj-495	512	20	2022	2022	NUM
abrj-495	512	21	)	)	PUNCT
abrj-495	512	22	.	.	PUNCT
abrj-495	513	1	the	the	DET
abrj-495	513	2	rise	rise	NOUN
abrj-495	513	3	of	of	ADP
abrj-495	513	4	digital	digital	ADJ
abrj-495	513	5	finance	finance	NOUN
abrj-495	513	6	:	:	PUNCT
abrj-495	513	7	financial	financial	ADJ
abrj-495	513	8	inclusion	inclusion	NOUN
abrj-495	513	9	or	or	CCONJ
abrj-495	513	10	debt	debt	NOUN
abrj-495	513	11	trap	trap	NOUN
abrj-495	513	12	?	?	PUNCT
abrj-495	514	1	finance	finance	NOUN
abrj-495	514	2	research	research	NOUN
abrj-495	514	3	letters	letter	NOUN
abrj-495	514	4	,	,	PUNCT
abrj-495	514	5	47(part	47(part	PROPN
abrj-495	514	6	a	a	PRON
abrj-495	514	7	)	)	PUNCT
abrj-495	514	8	,	,	PUNCT
abrj-495	514	9	article	article	NOUN
abrj-495	514	10	102604	102604	NUM
abrj-495	514	11	.	.	PUNCT
abrj-495	515	1	https://doi.org/10.1016/j.frl.2021.102604	https://doi.org/10.1016/j.frl.2021.102604	PROPN
abrj-495	515	2	yuen	yuen	PROPN
abrj-495	515	3	,	,	PUNCT
abrj-495	515	4	k.	k.	PROPN
abrj-495	515	5	f.	f.	PROPN
abrj-495	515	6	,	,	PUNCT
abrj-495	515	7	ma	ma	PROPN
abrj-495	515	8	,	,	PUNCT
abrj-495	515	9	f.	f.	PROPN
abrj-495	515	10	,	,	PUNCT
abrj-495	515	11	wang	wang	PROPN
abrj-495	515	12	,	,	PUNCT
abrj-495	515	13	x.	x.	PROPN
abrj-495	515	14	,	,	PUNCT
abrj-495	515	15	&	&	CCONJ
abrj-495	515	16	lee	lee	PROPN
abrj-495	515	17	,	,	PUNCT
abrj-495	515	18	g.	g.	PROPN
abrj-495	515	19	(	(	PUNCT
abrj-495	515	20	2021	2021	NUM
abrj-495	515	21	)	)	PUNCT
abrj-495	515	22	.	.	PUNCT
abrj-495	516	1	the	the	DET
abrj-495	516	2	role	role	NOUN
abrj-495	516	3	of	of	ADP
abrj-495	516	4	trust	trust	NOUN
abrj-495	516	5	in	in	ADP
abrj-495	516	6	influencing	influence	VERB
abrj-495	516	7	consumers	consumer	NOUN
abrj-495	516	8	'	'	PART
abrj-495	516	9	adoption	adoption	NOUN
abrj-495	516	10	of	of	ADP
abrj-495	516	11	automated	automate	VERB
abrj-495	516	12	vehicles	vehicle	NOUN
abrj-495	516	13	:	:	PUNCT
abrj-495	516	14	an	an	DET
abrj-495	516	15	application	application	NOUN
abrj-495	516	16	of	of	ADP
abrj-495	516	17	the	the	DET
abrj-495	516	18	health	health	NOUN
abrj-495	516	19	belief	belief	NOUN
abrj-495	516	20	model	model	NOUN
abrj-495	516	21	.	.	PUNCT
abrj-495	517	1	international	international	ADJ
abrj-495	517	2	journal	journal	NOUN
abrj-495	517	3	of	of	ADP
abrj-495	517	4	sustainable	sustainable	ADJ
abrj-495	517	5	transportation	transportation	NOUN
abrj-495	517	6	,	,	PUNCT
abrj-495	517	7	15(11	15(11	NUM
abrj-495	517	8	)	)	PUNCT
abrj-495	517	9	,	,	PUNCT
abrj-495	517	10	837–849	837–849	NUM
abrj-495	517	11	.	.	PUNCT
abrj-495	517	12	https://doi.org/10.1080/15568318.2020.1821416	https://doi.org/10.1080/15568318.2020.1821416	PROPN
abrj-495	518	1	za	za	PROPN
abrj-495	518	2	,	,	PUNCT
abrj-495	518	3	s.	s.	PROPN
abrj-495	518	4	z.	z.	PROPN
abrj-495	518	5	,	,	PUNCT
abrj-495	518	6	&	&	CCONJ
abrj-495	518	7	tricahyadinata	tricahyadinata	PROPN
abrj-495	518	8	,	,	PUNCT
abrj-495	518	9	i.	i.	NOUN
abrj-495	518	10	(	(	PUNCT
abrj-495	518	11	2025	2025	NUM
abrj-495	518	12	)	)	PUNCT
abrj-495	518	13	.	.	PUNCT
abrj-495	519	1	relevance	relevance	NOUN
abrj-495	519	2	for	for	ADP
abrj-495	519	3	tourist	tourist	NOUN
abrj-495	519	4	visiting	visit	VERB
abrj-495	519	5	decisions	decision	NOUN
abrj-495	519	6	–	–	PUNCT
abrj-495	519	7	destination	destination	NOUN
abrj-495	519	8	branding	branding	NOUN
abrj-495	519	9	vs	vs	ADP
abrj-495	519	10	destination	destination	NOUN
abrj-495	519	11	image	image	NOUN
abrj-495	519	12	:	:	PUNCT
abrj-495	519	13	case	case	NOUN
abrj-495	519	14	study	study	NOUN
abrj-495	519	15	from	from	ADP
abrj-495	519	16	lariti	lariti	PROPN
abrj-495	519	17	beach	beach	PROPN
abrj-495	519	18	,	,	PUNCT
abrj-495	519	19	bima	bima	PROPN
abrj-495	519	20	regency	regency	PROPN
abrj-495	519	21	.	.	PUNCT
abrj-495	520	1	turyzm	turyzm	PROPN
abrj-495	520	2	/	/	SYM
abrj-495	520	3	tourism	tourism	NOUN
abrj-495	520	4	,	,	PUNCT
abrj-495	520	5	35(1	35(1	NOUN
abrj-495	520	6	)	)	PUNCT
abrj-495	520	7	,	,	PUNCT
abrj-495	520	8	111–121	111–121	NUM
abrj-495	520	9	.	.	PUNCT
abrj-495	521	1	https://doi.org/10.18778/0867-5856.2025.15	https://doi.org/10.18778/0867-5856.2025.15	PROPN
abrj-495	521	2	zhang	zhang	PROPN
abrj-495	521	3	,	,	PUNCT
abrj-495	521	4	y.	y.	PROPN
abrj-495	521	5	,	,	PUNCT
abrj-495	521	6	ye	ye	PROPN
abrj-495	521	7	,	,	PUNCT
abrj-495	521	8	s.	s.	PROPN
abrj-495	521	9	,	,	PUNCT
abrj-495	521	10	liu	liu	PROPN
abrj-495	521	11	,	,	PUNCT
abrj-495	521	12	j.	j.	PROPN
abrj-495	521	13	,	,	PUNCT
abrj-495	521	14	&	&	CCONJ
abrj-495	521	15	du	du	PROPN
abrj-495	521	16	,	,	PUNCT
abrj-495	521	17	l.	l.	PROPN
abrj-495	521	18	(	(	PUNCT
abrj-495	521	19	2023	2023	NUM
abrj-495	521	20	)	)	PUNCT
abrj-495	521	21	.	.	PUNCT
abrj-495	522	1	impact	impact	NOUN
abrj-495	522	2	of	of	ADP
abrj-495	522	3	the	the	DET
abrj-495	522	4	development	development	NOUN
abrj-495	522	5	of	of	ADP
abrj-495	522	6	fintech	fintech	NOUN
abrj-495	522	7	by	by	ADP
abrj-495	522	8	commercial	commercial	ADJ
abrj-495	522	9	banks	bank	NOUN
abrj-495	522	10	on	on	ADP
abrj-495	522	11	bank	bank	NOUN
abrj-495	522	12	credit	credit	NOUN
abrj-495	522	13	risk	risk	NOUN
abrj-495	522	14	.	.	PUNCT
abrj-495	523	1	finance	finance	NOUN
abrj-495	523	2	research	research	NOUN
abrj-495	523	3	letters	letter	NOUN
abrj-495	523	4	,	,	PUNCT
abrj-495	523	5	55(part	55(part	NOUN
abrj-495	523	6	a	a	NOUN
abrj-495	523	7	)	)	PUNCT
abrj-495	523	8	,	,	PUNCT
abrj-495	523	9	article	article	NOUN
abrj-495	523	10	103857	103857	NUM
abrj-495	523	11	.	.	PUNCT
abrj-495	524	1	https://doi.org/10.1016/j.frl.2023.103857	https://doi.org/10.1016/j.frl.2023.103857	PROPN
abrj-495	524	2	zhao	zhao	PROPN
abrj-495	524	3	,	,	PUNCT
abrj-495	524	4	h.	h.	PROPN
abrj-495	524	5	,	,	PUNCT
abrj-495	524	6	khaliq	khaliq	ADV
abrj-495	524	7	,	,	PUNCT
abrj-495	524	8	n.	n.	NOUN
abrj-495	524	9	,	,	PUNCT
abrj-495	524	10	li	li	PROPN
abrj-495	524	11	,	,	PUNCT
abrj-495	524	12	c.	c.	PROPN
abrj-495	524	13	,	,	PUNCT
abrj-495	524	14	rehman	rehman	PROPN
abrj-495	524	15	,	,	PUNCT
abrj-495	524	16	f.	f.	PROPN
abrj-495	524	17	u.	u.	PROPN
abrj-495	524	18	,	,	PUNCT
abrj-495	524	19	&	&	CCONJ
abrj-495	524	20	popp	popp	PROPN
abrj-495	524	21	,	,	PUNCT
abrj-495	524	22	j.	j.	PROPN
abrj-495	524	23	(	(	PUNCT
abrj-495	524	24	2024	2024	NUM
abrj-495	524	25	)	)	PUNCT
abrj-495	524	26	.	.	PUNCT
abrj-495	525	1	exploring	explore	VERB
abrj-495	525	2	trust	trust	NOUN
abrj-495	525	3	determinants	determinant	NOUN
abrj-495	525	4	influencing	influence	VERB
abrj-495	525	5	the	the	DET
abrj-495	525	6	intention	intention	NOUN
abrj-495	525	7	to	to	PART
abrj-495	525	8	use	use	VERB
abrj-495	525	9	fintech	fintech	NOUN
abrj-495	525	10	via	via	ADP
abrj-495	525	11	sem	sem	PROPN
abrj-495	525	12	approach	approach	NOUN
abrj-495	525	13	:	:	PUNCT
abrj-495	525	14	evidence	evidence	NOUN
abrj-495	525	15	from	from	ADP
abrj-495	525	16	pakistan	pakistan	PROPN
abrj-495	525	17	.	.	PUNCT
abrj-495	526	1	heliyon	heliyon	NOUN
abrj-495	526	2	,	,	PUNCT
abrj-495	526	3	10(8	10(8	NOUN
abrj-495	526	4	)	)	PUNCT
abrj-495	526	5	,	,	PUNCT
abrj-495	526	6	article	article	NOUN
abrj-495	526	7	e29716	e29716	PROPN
abrj-495	526	8	.	.	PUNCT
abrj-495	527	1	https://doi.org/10.1016/j.heliyon.2024.e29716	https://doi.org/10.1016/j.heliyon.2024.e29716	NOUN
abrj-495	528	1	https://doi.org/10.30587/kontribusia.v3i1.1143	https://doi.org/10.30587/kontribusia.v3i1.1143	NOUN
abrj-495	528	2	https://archives.palarch.nl/index.php/jae/article/view/6608	https://archives.palarch.nl/index.php/jae/article/view/6608	PROPN
abrj-495	528	3	https://doi.org/10.31538/iijse.v7i3.5410	https://doi.org/10.31538/iijse.v7i3.5410	VERB
abrj-495	528	4	https://doi.org/10.6007/ijarbss/v9-i8/6205	https://doi.org/10.6007/ijarbss/v9-i8/6205	X
abrj-495	528	5	https://doi.org/10.1016/j.heliyon.2024.e35500	https://doi.org/10.1016/j.heliyon.2024.e35500	NOUN
abrj-495	528	6	https://doi.org/10.1016/j.chb.2015.03.058	https://doi.org/10.1016/j.chb.2015.03.058	PROPN
abrj-495	528	7	https://doi.org/10.1016/j.frl.2021.102604	https://doi.org/10.1016/j.frl.2021.102604	PROPN
abrj-495	528	8	https://doi.org/10.1080/15568318.2020.1821416	https://doi.org/10.1080/15568318.2020.1821416	SYM
abrj-495	528	9	https://doi.org/10.18778/0867-5856.2025.15	https://doi.org/10.18778/0867-5856.2025.15	PROPN
abrj-495	528	10	https://doi.org/10.1016/j.frl.2023.103857	https://doi.org/10.1016/j.frl.2023.103857	PROPN
abrj-495	528	11	https://doi.org/10.1016/j.heliyon.2024.e29716	https://doi.org/10.1016/j.heliyon.2024.e29716	NOUN