id	keyword
abrj-454	literacy
abrj-454	research
abrj-454	digital
abrj-454	platform
abrj-454	knowledge
abrj-454	adoption
abrj-454	risk
abrj-454	effects
abrj-454	behaviour
abrj-454	trust
abrj-454	lending
abrj-454	journal
abrj-454	analysis
abrj-454	model
abrj-454	technology
abrj-454	users
abrj-454	self
abrj-454	relationship