id	keyword
abrj-495	financial
abrj-495	trust
abrj-495	loan
abrj-495	consumer
abrj-495	interest
abrj-495	literacy
abrj-495	services
abrj-495	ease
abrj-495	awareness
abrj-495	access
abrj-495	et al
abrj-495	journal
abrj-495	adoption
abrj-495	fintech
abrj-495	use
abrj-495	article
abrj-495	research