id	sid	tid	token	lemma	pos
bjmsr-2306	1	1	bangladesh	bangladesh	PROPN
bjmsr-2306	1	2	journal	journal	PROPN
bjmsr-2306	1	3	of	of	ADP
bjmsr-2306	1	4	multidisciplinary	multidisciplinary	ADJ
bjmsr-2306	1	5	scientific	scientific	ADJ
bjmsr-2306	1	6	research	research	NOUN
bjmsr-2306	1	7	10(2	10(2	NUM
bjmsr-2306	1	8	)	)	PUNCT
bjmsr-2306	1	9	(	(	PUNCT
bjmsr-2306	1	10	2025	2025	NUM
bjmsr-2306	1	11	)	)	PUNCT
bjmsr-2306	1	12	,	,	PUNCT
bjmsr-2306	1	13	12	12	NUM
bjmsr-2306	1	14	-	-	SYM
bjmsr-2306	1	15	20	20	NUM
bjmsr-2306	1	16	12	12	NUM
bjmsr-2306	1	17	multidisciplinary	multidisciplinary	ADJ
bjmsr-2306	1	18	scientific	scientific	ADJ
bjmsr-2306	1	19	research	research	NOUN
bjmsr-2306	1	20	bjmsr	bjmsr	NOUN
bjmsr-2306	1	21	vol	vol	VERB
bjmsr-2306	1	22	10	10	NUM
bjmsr-2306	1	23	no	no	DET
bjmsr-2306	1	24	2	2	NUM
bjmsr-2306	1	25	(	(	PUNCT
bjmsr-2306	1	26	2025	2025	NUM
bjmsr-2306	1	27	)	)	PUNCT
bjmsr-2306	1	28	p	p	X
bjmsr-2306	1	29	-	-	PUNCT
bjmsr-2306	1	30	issn	issn	PROPN
bjmsr-2306	1	31	2687	2687	NUM
bjmsr-2306	1	32	-	-	PUNCT
bjmsr-2306	1	33	850x	850x	NUM
bjmsr-2306	1	34	e	e	NOUN
bjmsr-2306	1	35	-	-	PROPN
bjmsr-2306	1	36	issn	issn	PROPN
bjmsr-2306	1	37	2687	2687	NUM
bjmsr-2306	1	38	-	-	SYM
bjmsr-2306	1	39	8518	8518	NUM
bjmsr-2306	1	40	available	available	ADJ
bjmsr-2306	1	41	online	online	ADV
bjmsr-2306	1	42	at	at	ADP
bjmsr-2306	1	43	https://www.cribfb.com	https://www.cribfb.com	X
bjmsr-2306	1	44	journal	journal	PROPN
bjmsr-2306	1	45	homepage	homepage	NOUN
bjmsr-2306	1	46	:	:	PUNCT
bjmsr-2306	1	47	https://www.cribfb.com/journal/index.php/bjmsr	https://www.cribfb.com/journal/index.php/bjmsr	NOUN
bjmsr-2306	1	48	published	publish	VERB
bjmsr-2306	1	49	by	by	ADP
bjmsr-2306	1	50	cribfb	cribfb	PROPN
bjmsr-2306	1	51	,	,	PUNCT
bjmsr-2306	1	52	usa	usa	PROPN
bjmsr-2306	1	53	the	the	DET
bjmsr-2306	1	54	interplay	interplay	NOUN
bjmsr-2306	1	55	of	of	ADP
bjmsr-2306	1	56	investor	investor	NOUN
bjmsr-2306	1	57	psychology	psychology	NOUN
bjmsr-2306	1	58	,	,	PUNCT
bjmsr-2306	1	59	accounting	accounting	NOUN
bjmsr-2306	1	60	information	information	NOUN
bjmsr-2306	1	61	,	,	PUNCT
bjmsr-2306	1	62	and	and	CCONJ
bjmsr-2306	1	63	fintech	fintech	NOUN
bjmsr-2306	1	64	in	in	ADP
bjmsr-2306	1	65	shaping	shape	VERB
bjmsr-2306	1	66	investment	investment	NOUN
bjmsr-2306	1	67	decisions	decision	NOUN
bjmsr-2306	1	68	:	:	PUNCT
bjmsr-2306	1	69	evidence	evidence	NOUN
bjmsr-2306	1	70	from	from	ADP
bjmsr-2306	1	71	oman	oman	PROPN
bjmsr-2306	1	72	mohamed	mohamed	PROPN
bjmsr-2306	1	73	zaheeruddin	zaheeruddin	PROPN
bjmsr-2306	1	74	(	(	PUNCT
bjmsr-2306	1	75	a)1	a)1	PROPN
bjmsr-2306	1	76	suneel	suneel	PROPN
bjmsr-2306	1	77	kumar	kumar	PROPN
bjmsr-2306	1	78	(	(	PUNCT
bjmsr-2306	1	79	b	b	NOUN
bjmsr-2306	1	80	)	)	PUNCT
bjmsr-2306	1	81	(	(	PUNCT
bjmsr-2306	1	82	a	a	PRON
bjmsr-2306	1	83	)	)	PUNCT
bjmsr-2306	1	84	lecturer	lecturer	NOUN
bjmsr-2306	1	85	,	,	PUNCT
bjmsr-2306	1	86	university	university	NOUN
bjmsr-2306	1	87	of	of	ADP
bjmsr-2306	1	88	technology	technology	NOUN
bjmsr-2306	1	89	and	and	CCONJ
bjmsr-2306	1	90	applied	apply	VERB
bjmsr-2306	1	91	sciencesshinas	sciencesshina	NOUN
bjmsr-2306	1	92	,	,	PUNCT
bjmsr-2306	1	93	oman	oman	NOUN
bjmsr-2306	1	94	;	;	PUNCT
bjmsr-2306	1	95	e	e	X
bjmsr-2306	1	96	-	-	NOUN
bjmsr-2306	1	97	mail	mail	NOUN
bjmsr-2306	1	98	:	:	PUNCT
bjmsr-2306	1	99	mohamed.zaheer@utas.edu.om	mohamed.zaheer@utas.edu.om	NOUN
bjmsr-2306	1	100	(	(	PUNCT
bjmsr-2306	1	101	b)lecturer	b)lecturer	PROPN
bjmsr-2306	1	102	,	,	PUNCT
bjmsr-2306	1	103	university	university	NOUN
bjmsr-2306	1	104	of	of	ADP
bjmsr-2306	1	105	technology	technology	NOUN
bjmsr-2306	1	106	and	and	CCONJ
bjmsr-2306	1	107	applied	apply	VERB
bjmsr-2306	1	108	sciencesshinas	sciencesshina	NOUN
bjmsr-2306	1	109	,	,	PUNCT
bjmsr-2306	1	110	oman	oman	NOUN
bjmsr-2306	1	111	;	;	PUNCT
bjmsr-2306	1	112	e	e	X
bjmsr-2306	1	113	-	-	NOUN
bjmsr-2306	1	114	mail	mail	NOUN
bjmsr-2306	1	115	:	:	PUNCT
bjmsr-2306	1	116	suneel.kumar@utas.edu.om	suneel.kumar@utas.edu.om	NOUN
bjmsr-2306	1	117	a	a	DET
bjmsr-2306	1	118	r	r	NOUN
bjmsr-2306	1	119	t	t	NOUN
bjmsr-2306	2	1	i	i	PRON
bjmsr-2306	2	2	c	c	NOUN
bjmsr-2306	2	3	l	l	NOUN
bjmsr-2306	2	4	e	e	NOUN
bjmsr-2306	3	1	i	i	PRON
bjmsr-2306	3	2	n	n	VERB
bjmsr-2306	3	3	f	f	NOUN
bjmsr-2306	3	4	o	o	NOUN
bjmsr-2306	3	5	article	article	NOUN
bjmsr-2306	3	6	history	history	NOUN
bjmsr-2306	3	7	:	:	PUNCT
bjmsr-2306	3	8	received	receive	VERB
bjmsr-2306	3	9	:	:	PUNCT
bjmsr-2306	3	10	29th	29th	ADJ
bjmsr-2306	3	11	october	october	PROPN
bjmsr-2306	3	12	2024	2024	NUM
bjmsr-2306	3	13	reviewed	review	VERB
bjmsr-2306	3	14	&	&	CCONJ
bjmsr-2306	3	15	revised	revise	VERB
bjmsr-2306	3	16	:	:	PUNCT
bjmsr-2306	3	17	29th	29th	ADJ
bjmsr-2306	3	18	october	october	PROPN
bjmsr-2306	3	19	2024	2024	NUM
bjmsr-2306	3	20	to	to	ADP
bjmsr-2306	3	21	10th	10th	ADJ
bjmsr-2306	3	22	march	march	PROPN
bjmsr-2306	3	23	2025	2025	NUM
bjmsr-2306	3	24	accepted	accept	VERB
bjmsr-2306	3	25	:	:	PUNCT
bjmsr-2306	3	26	11th	11th	ADJ
bjmsr-2306	3	27	march	march	PROPN
bjmsr-2306	3	28	2025	2025	NUM
bjmsr-2306	3	29	published	publish	VERB
bjmsr-2306	3	30	:	:	PUNCT
bjmsr-2306	3	31	15th	15th	ADJ
bjmsr-2306	3	32	march	march	NOUN
bjmsr-2306	3	33	2025	2025	NUM
bjmsr-2306	3	34	keywords	keyword	NOUN
bjmsr-2306	3	35	:	:	PUNCT
bjmsr-2306	3	36	investor	investor	NOUN
bjmsr-2306	3	37	psychology	psychology	NOUN
bjmsr-2306	3	38	,	,	PUNCT
bjmsr-2306	3	39	accounting	accounting	NOUN
bjmsr-2306	3	40	information	information	NOUN
bjmsr-2306	3	41	,	,	PUNCT
bjmsr-2306	3	42	fintech	fintech	NOUN
bjmsr-2306	3	43	,	,	PUNCT
bjmsr-2306	3	44	investment	investment	NOUN
bjmsr-2306	3	45	decisions	decision	NOUN
bjmsr-2306	3	46	,	,	PUNCT
bjmsr-2306	3	47	behavioral	behavioral	ADJ
bjmsr-2306	3	48	finance	finance	NOUN
bjmsr-2306	3	49	,	,	PUNCT
bjmsr-2306	3	50	oman	oman	NOUN
bjmsr-2306	3	51	,	,	PUNCT
bjmsr-2306	3	52	investment	investment	NOUN
bjmsr-2306	3	53	interest	interest	NOUN
bjmsr-2306	3	54	,	,	PUNCT
bjmsr-2306	3	55	economic	economic	ADJ
bjmsr-2306	3	56	diversification	diversification	NOUN
bjmsr-2306	3	57	jel	jel	PROPN
bjmsr-2306	3	58	classification	classification	NOUN
bjmsr-2306	3	59	codes	code	NOUN
bjmsr-2306	3	60	:	:	PUNCT
bjmsr-2306	3	61	g41	g41	NUM
bjmsr-2306	3	62	peer	peer	NOUN
bjmsr-2306	3	63	-	-	PUNCT
bjmsr-2306	3	64	review	review	NOUN
bjmsr-2306	3	65	model	model	NOUN
bjmsr-2306	3	66	:	:	PUNCT
bjmsr-2306	3	67	external	external	ADJ
bjmsr-2306	3	68	peer	peer	NOUN
bjmsr-2306	3	69	review	review	NOUN
bjmsr-2306	3	70	was	be	AUX
bjmsr-2306	3	71	done	do	VERB
bjmsr-2306	3	72	through	through	ADP
bjmsr-2306	3	73	double	double	ADJ
bjmsr-2306	3	74	-	-	PUNCT
bjmsr-2306	3	75	blind	blind	ADJ
bjmsr-2306	3	76	method	method	NOUN
bjmsr-2306	3	77	.	.	PUNCT
bjmsr-2306	4	1	a	a	DET
bjmsr-2306	4	2	b	b	PROPN
bjmsr-2306	4	3	s	s	ADP
bjmsr-2306	4	4	t	t	PROPN
bjmsr-2306	4	5	r	r	NOUN
bjmsr-2306	4	6	a	a	DET
bjmsr-2306	4	7	c	c	NOUN
bjmsr-2306	4	8	t	t	NOUN
bjmsr-2306	4	9	the	the	DET
bjmsr-2306	4	10	rapid	rapid	ADJ
bjmsr-2306	4	11	economic	economic	ADJ
bjmsr-2306	4	12	revolution	revolution	NOUN
bjmsr-2306	4	13	in	in	ADP
bjmsr-2306	4	14	oman	oman	PROPN
bjmsr-2306	4	15	over	over	ADP
bjmsr-2306	4	16	the	the	DET
bjmsr-2306	4	17	recent	recent	ADJ
bjmsr-2306	4	18	years	year	NOUN
bjmsr-2306	4	19	has	have	AUX
bjmsr-2306	4	20	flickered	flicker	VERB
bjmsr-2306	4	21	an	an	DET
bjmsr-2306	4	22	increased	increase	VERB
bjmsr-2306	4	23	awareness	awareness	NOUN
bjmsr-2306	4	24	of	of	ADP
bjmsr-2306	4	25	behavioral	behavioral	ADJ
bjmsr-2306	4	26	finance	finance	NOUN
bjmsr-2306	4	27	,	,	PUNCT
bjmsr-2306	4	28	investment	investment	NOUN
bjmsr-2306	4	29	tactics	tactic	NOUN
bjmsr-2306	4	30	,	,	PUNCT
bjmsr-2306	4	31	and	and	CCONJ
bjmsr-2306	4	32	financial	financial	ADJ
bjmsr-2306	4	33	know	know	NOUN
bjmsr-2306	4	34	-	-	PUNCT
bjmsr-2306	4	35	how	how	NOUN
bjmsr-2306	4	36	.	.	PUNCT
bjmsr-2306	5	1	traditional	traditional	ADJ
bjmsr-2306	5	2	finance	finance	NOUN
bjmsr-2306	5	3	theories	theory	NOUN
bjmsr-2306	5	4	often	often	ADV
bjmsr-2306	5	5	overlook	overlook	VERB
bjmsr-2306	5	6	the	the	DET
bjmsr-2306	5	7	role	role	NOUN
bjmsr-2306	5	8	of	of	ADP
bjmsr-2306	5	9	biases	bias	NOUN
bjmsr-2306	5	10	and	and	CCONJ
bjmsr-2306	5	11	heuristics	heuristic	NOUN
bjmsr-2306	5	12	in	in	ADP
bjmsr-2306	5	13	investment	investment	NOUN
bjmsr-2306	5	14	decisions	decision	NOUN
bjmsr-2306	5	15	,	,	PUNCT
bjmsr-2306	5	16	particularly	particularly	ADV
bjmsr-2306	5	17	in	in	ADP
bjmsr-2306	5	18	developing	develop	VERB
bjmsr-2306	5	19	markets	market	NOUN
bjmsr-2306	5	20	like	like	ADP
bjmsr-2306	5	21	oman	oman	NOUN
bjmsr-2306	5	22	,	,	PUNCT
bjmsr-2306	5	23	where	where	SCONJ
bjmsr-2306	5	24	financial	financial	ADJ
bjmsr-2306	5	25	literacy	literacy	NOUN
bjmsr-2306	5	26	and	and	CCONJ
bjmsr-2306	5	27	technological	technological	ADJ
bjmsr-2306	5	28	adoption	adoption	NOUN
bjmsr-2306	5	29	are	be	AUX
bjmsr-2306	5	30	still	still	ADV
bjmsr-2306	5	31	evolving	evolve	VERB
bjmsr-2306	5	32	.	.	PUNCT
bjmsr-2306	6	1	the	the	DET
bjmsr-2306	6	2	primary	primary	ADJ
bjmsr-2306	6	3	goal	goal	NOUN
bjmsr-2306	6	4	of	of	ADP
bjmsr-2306	6	5	this	this	DET
bjmsr-2306	6	6	study	study	NOUN
bjmsr-2306	6	7	is	be	AUX
bjmsr-2306	6	8	to	to	PART
bjmsr-2306	6	9	investigate	investigate	VERB
bjmsr-2306	6	10	the	the	DET
bjmsr-2306	6	11	impact	impact	NOUN
bjmsr-2306	6	12	of	of	ADP
bjmsr-2306	6	13	investors	investor	NOUN
bjmsr-2306	6	14	’	’	PART
bjmsr-2306	6	15	psychology	psychology	NOUN
bjmsr-2306	6	16	,	,	PUNCT
bjmsr-2306	6	17	accounting	accounting	NOUN
bjmsr-2306	6	18	information	information	NOUN
bjmsr-2306	6	19	,	,	PUNCT
bjmsr-2306	6	20	and	and	CCONJ
bjmsr-2306	6	21	fintech	fintech	NOUN
bjmsr-2306	6	22	exposure	exposure	NOUN
bjmsr-2306	6	23	on	on	ADP
bjmsr-2306	6	24	investment	investment	NOUN
bjmsr-2306	6	25	decisions	decision	NOUN
bjmsr-2306	6	26	among	among	ADP
bjmsr-2306	6	27	individuals	individual	NOUN
bjmsr-2306	6	28	in	in	ADP
bjmsr-2306	6	29	oman	oman	NOUN
bjmsr-2306	6	30	.	.	PUNCT
bjmsr-2306	7	1	the	the	DET
bjmsr-2306	7	2	study	study	NOUN
bjmsr-2306	7	3	focuses	focus	VERB
bjmsr-2306	7	4	on	on	ADP
bjmsr-2306	7	5	evaluating	evaluate	VERB
bjmsr-2306	7	6	how	how	SCONJ
bjmsr-2306	7	7	these	these	DET
bjmsr-2306	7	8	factors	factor	NOUN
bjmsr-2306	7	9	impact	impact	VERB
bjmsr-2306	7	10	the	the	DET
bjmsr-2306	7	11	investment	investment	NOUN
bjmsr-2306	7	12	interest	interest	NOUN
bjmsr-2306	7	13	and	and	CCONJ
bjmsr-2306	7	14	decision	decision	NOUN
bjmsr-2306	7	15	-	-	PUNCT
bjmsr-2306	7	16	making	make	VERB
bjmsr-2306	7	17	processes	process	NOUN
bjmsr-2306	7	18	among	among	ADP
bjmsr-2306	7	19	omani	omani	ADJ
bjmsr-2306	7	20	individuals	individual	NOUN
bjmsr-2306	7	21	,	,	PUNCT
bjmsr-2306	7	22	particularly	particularly	ADV
bjmsr-2306	7	23	examining	examine	VERB
bjmsr-2306	7	24	the	the	DET
bjmsr-2306	7	25	mediating	mediate	VERB
bjmsr-2306	7	26	role	role	NOUN
bjmsr-2306	7	27	of	of	ADP
bjmsr-2306	7	28	investment	investment	NOUN
bjmsr-2306	7	29	interest	interest	NOUN
bjmsr-2306	7	30	in	in	ADP
bjmsr-2306	7	31	these	these	DET
bjmsr-2306	7	32	relationships	relationship	NOUN
bjmsr-2306	7	33	.	.	PUNCT
bjmsr-2306	8	1	a	a	DET
bjmsr-2306	8	2	quantitative	quantitative	ADJ
bjmsr-2306	8	3	research	research	NOUN
bjmsr-2306	8	4	approach	approach	NOUN
bjmsr-2306	8	5	was	be	AUX
bjmsr-2306	8	6	adopted	adopt	VERB
bjmsr-2306	8	7	,	,	PUNCT
bjmsr-2306	8	8	utilizing	utilize	VERB
bjmsr-2306	8	9	a	a	DET
bjmsr-2306	8	10	structured	structured	ADJ
bjmsr-2306	8	11	questionnaire	questionnaire	NOUN
bjmsr-2306	8	12	distributed	distribute	VERB
bjmsr-2306	8	13	among	among	ADP
bjmsr-2306	8	14	omani	omani	ADJ
bjmsr-2306	8	15	individuals	individual	NOUN
bjmsr-2306	8	16	.	.	PUNCT
bjmsr-2306	9	1	data	datum	NOUN
bjmsr-2306	9	2	was	be	AUX
bjmsr-2306	9	3	collected	collect	VERB
bjmsr-2306	9	4	from	from	ADP
bjmsr-2306	9	5	504	504	NUM
bjmsr-2306	9	6	respondents	respondent	NOUN
bjmsr-2306	9	7	to	to	PART
bjmsr-2306	9	8	analyze	analyze	VERB
bjmsr-2306	9	9	their	their	PRON
bjmsr-2306	9	10	investment	investment	NOUN
bjmsr-2306	9	11	psychology	psychology	NOUN
bjmsr-2306	9	12	,	,	PUNCT
bjmsr-2306	9	13	access	access	NOUN
bjmsr-2306	9	14	to	to	ADP
bjmsr-2306	9	15	accounting	accounting	NOUN
bjmsr-2306	9	16	information	information	NOUN
bjmsr-2306	9	17	,	,	PUNCT
bjmsr-2306	9	18	and	and	CCONJ
bjmsr-2306	9	19	level	level	NOUN
bjmsr-2306	9	20	of	of	ADP
bjmsr-2306	9	21	fintech	fintech	NOUN
bjmsr-2306	9	22	adoption	adoption	NOUN
bjmsr-2306	9	23	.	.	PUNCT
bjmsr-2306	10	1	the	the	DET
bjmsr-2306	10	2	survey	survey	NOUN
bjmsr-2306	10	3	-	-	PUNCT
bjmsr-2306	10	4	based	base	VERB
bjmsr-2306	10	5	methodology	methodology	NOUN
bjmsr-2306	10	6	enabled	enable	VERB
bjmsr-2306	10	7	a	a	DET
bjmsr-2306	10	8	comprehensive	comprehensive	ADJ
bjmsr-2306	10	9	examination	examination	NOUN
bjmsr-2306	10	10	of	of	ADP
bjmsr-2306	10	11	the	the	DET
bjmsr-2306	10	12	relationships	relationship	NOUN
bjmsr-2306	10	13	between	between	ADP
bjmsr-2306	10	14	these	these	DET
bjmsr-2306	10	15	factors	factor	NOUN
bjmsr-2306	10	16	and	and	CCONJ
bjmsr-2306	10	17	investment	investment	NOUN
bjmsr-2306	10	18	decision	decision	NOUN
bjmsr-2306	10	19	-	-	PUNCT
bjmsr-2306	10	20	making	making	NOUN
bjmsr-2306	10	21	.	.	PUNCT
bjmsr-2306	11	1	the	the	DET
bjmsr-2306	11	2	study	study	NOUN
bjmsr-2306	11	3	found	find	VERB
bjmsr-2306	11	4	that	that	SCONJ
bjmsr-2306	11	5	investor	investor	NOUN
bjmsr-2306	11	6	psychology	psychology	NOUN
bjmsr-2306	11	7	enhances	enhance	VERB
bjmsr-2306	11	8	investment	investment	NOUN
bjmsr-2306	11	9	interest	interest	NOUN
bjmsr-2306	11	10	,	,	PUNCT
bjmsr-2306	11	11	which	which	PRON
bjmsr-2306	11	12	further	far	ADV
bjmsr-2306	11	13	influences	influence	VERB
bjmsr-2306	11	14	investment	investment	NOUN
bjmsr-2306	11	15	decisions	decision	NOUN
bjmsr-2306	11	16	positively	positively	ADV
bjmsr-2306	11	17	.	.	PUNCT
bjmsr-2306	12	1	the	the	DET
bjmsr-2306	12	2	results	result	NOUN
bjmsr-2306	12	3	of	of	ADP
bjmsr-2306	12	4	this	this	DET
bjmsr-2306	12	5	study	study	NOUN
bjmsr-2306	12	6	show	show	VERB
bjmsr-2306	12	7	a	a	DET
bjmsr-2306	12	8	positive	positive	ADJ
bjmsr-2306	12	9	impact	impact	NOUN
bjmsr-2306	12	10	of	of	ADP
bjmsr-2306	12	11	available	available	ADJ
bjmsr-2306	12	12	information	information	NOUN
bjmsr-2306	12	13	on	on	ADP
bjmsr-2306	12	14	investment	investment	NOUN
bjmsr-2306	12	15	interest	interest	NOUN
bjmsr-2306	12	16	and	and	CCONJ
bjmsr-2306	12	17	investment	investment	NOUN
bjmsr-2306	12	18	decisions	decision	NOUN
bjmsr-2306	12	19	.	.	PUNCT
bjmsr-2306	13	1	additionally	additionally	ADV
bjmsr-2306	13	2	,	,	PUNCT
bjmsr-2306	13	3	exposure	exposure	NOUN
bjmsr-2306	13	4	to	to	ADP
bjmsr-2306	13	5	fintech	fintech	NOUN
bjmsr-2306	13	6	platforms	platform	NOUN
bjmsr-2306	13	7	enables	enable	VERB
bjmsr-2306	13	8	more	more	ADV
bjmsr-2306	13	9	informed	informed	ADJ
bjmsr-2306	13	10	decision	decision	NOUN
bjmsr-2306	13	11	-	-	PUNCT
bjmsr-2306	13	12	making	making	NOUN
bjmsr-2306	13	13	.	.	PUNCT
bjmsr-2306	14	1	the	the	DET
bjmsr-2306	14	2	findings	finding	NOUN
bjmsr-2306	14	3	of	of	ADP
bjmsr-2306	14	4	this	this	DET
bjmsr-2306	14	5	study	study	NOUN
bjmsr-2306	14	6	suggest	suggest	VERB
bjmsr-2306	14	7	that	that	SCONJ
bjmsr-2306	14	8	investor	investor	NOUN
bjmsr-2306	14	9	psychology	psychology	NOUN
bjmsr-2306	14	10	,	,	PUNCT
bjmsr-2306	14	11	accounting	accounting	NOUN
bjmsr-2306	14	12	information	information	NOUN
bjmsr-2306	14	13	,	,	PUNCT
bjmsr-2306	14	14	and	and	CCONJ
bjmsr-2306	14	15	fintech	fintech	NOUN
bjmsr-2306	14	16	exposure	exposure	NOUN
bjmsr-2306	14	17	significantly	significantly	ADV
bjmsr-2306	14	18	shape	shape	VERB
bjmsr-2306	14	19	investment	investment	NOUN
bjmsr-2306	14	20	decisions	decision	NOUN
bjmsr-2306	14	21	by	by	ADP
bjmsr-2306	14	22	enhancing	enhance	VERB
bjmsr-2306	14	23	investment	investment	NOUN
bjmsr-2306	14	24	interest	interest	NOUN
bjmsr-2306	14	25	and	and	CCONJ
bjmsr-2306	14	26	facilitating	facilitate	VERB
bjmsr-2306	14	27	better	well	ADJ
bjmsr-2306	14	28	decision	decision	NOUN
bjmsr-2306	14	29	-	-	PUNCT
bjmsr-2306	14	30	making	making	NOUN
bjmsr-2306	14	31	among	among	ADP
bjmsr-2306	14	32	individuals	individual	NOUN
bjmsr-2306	14	33	in	in	ADP
bjmsr-2306	14	34	oman	oman	NOUN
bjmsr-2306	14	35	.	.	PUNCT
bjmsr-2306	15	1	©	©	PROPN
bjmsr-2306	15	2	2025	2025	NUM
bjmsr-2306	15	3	by	by	ADP
bjmsr-2306	15	4	the	the	DET
bjmsr-2306	15	5	authors	author	NOUN
bjmsr-2306	15	6	.	.	PUNCT
bjmsr-2306	16	1	licensee	licensee	PROPN
bjmsr-2306	16	2	cribfb	cribfb	PROPN
bjmsr-2306	16	3	,	,	PUNCT
bjmsr-2306	16	4	usa	usa	PROPN
bjmsr-2306	16	5	.	.	PROPN
bjmsr-2306	17	1	this	this	DET
bjmsr-2306	17	2	open	open	ADJ
bjmsr-2306	17	3	-	-	PUNCT
bjmsr-2306	17	4	access	access	NOUN
bjmsr-2306	17	5	article	article	NOUN
bjmsr-2306	17	6	is	be	AUX
bjmsr-2306	17	7	distributed	distribute	VERB
bjmsr-2306	17	8	under	under	ADP
bjmsr-2306	17	9	the	the	DET
bjmsr-2306	17	10	terms	term	NOUN
bjmsr-2306	17	11	and	and	CCONJ
bjmsr-2306	17	12	conditions	condition	NOUN
bjmsr-2306	17	13	of	of	ADP
bjmsr-2306	17	14	the	the	DET
bjmsr-2306	17	15	creative	creative	ADJ
bjmsr-2306	17	16	commons	common	NOUN
bjmsr-2306	17	17	attribution	attribution	NOUN
bjmsr-2306	17	18	(	(	PUNCT
bjmsr-2306	17	19	cc	cc	NOUN
bjmsr-2306	17	20	by	by	ADP
bjmsr-2306	17	21	)	)	PUNCT
bjmsr-2306	17	22	license	license	NOUN
bjmsr-2306	17	23	(	(	PUNCT
bjmsr-2306	17	24	http://creativecommons.org/licenses/by/4.0	http://creativecommons.org/licenses/by/4.0	NOUN
bjmsr-2306	17	25	)	)	PUNCT
bjmsr-2306	17	26	.	.	PUNCT
bjmsr-2306	18	1	introduction	introduction	NOUN
bjmsr-2306	18	2	oman	oman	PROPN
bjmsr-2306	18	3	is	be	AUX
bjmsr-2306	18	4	witnessing	witness	VERB
bjmsr-2306	18	5	a	a	DET
bjmsr-2306	18	6	growing	grow	VERB
bjmsr-2306	18	7	awareness	awareness	NOUN
bjmsr-2306	18	8	of	of	ADP
bjmsr-2306	18	9	behavioral	behavioral	ADJ
bjmsr-2306	18	10	finance	finance	NOUN
bjmsr-2306	18	11	,	,	PUNCT
bjmsr-2306	18	12	investment	investment	NOUN
bjmsr-2306	18	13	tactics	tactic	NOUN
bjmsr-2306	18	14	,	,	PUNCT
bjmsr-2306	18	15	and	and	CCONJ
bjmsr-2306	18	16	financial	financial	ADJ
bjmsr-2306	18	17	know	know	NOUN
bjmsr-2306	18	18	-	-	PUNCT
bjmsr-2306	18	19	how	how	SCONJ
bjmsr-2306	18	20	(	(	PUNCT
bjmsr-2306	18	21	haddad	haddad	PROPN
bjmsr-2306	18	22	&	&	CCONJ
bjmsr-2306	18	23	hornuf	hornuf	PROPN
bjmsr-2306	18	24	,	,	PUNCT
bjmsr-2306	18	25	2019	2019	NUM
bjmsr-2306	18	26	)	)	PUNCT
bjmsr-2306	18	27	.	.	PUNCT
bjmsr-2306	19	1	the	the	DET
bjmsr-2306	19	2	country	country	NOUN
bjmsr-2306	19	3	endures	endure	VERB
bjmsr-2306	19	4	its	its	PRON
bjmsr-2306	19	5	economic	economic	ADJ
bjmsr-2306	19	6	diversification	diversification	NOUN
bjmsr-2306	19	7	,	,	PUNCT
bjmsr-2306	19	8	making	make	VERB
bjmsr-2306	19	9	individual	individual	ADJ
bjmsr-2306	19	10	investment	investment	NOUN
bjmsr-2306	19	11	decisions	decision	NOUN
bjmsr-2306	19	12	pivotal	pivotal	ADJ
bjmsr-2306	19	13	in	in	ADP
bjmsr-2306	19	14	driving	drive	VERB
bjmsr-2306	19	15	personal	personal	ADJ
bjmsr-2306	19	16	wealth	wealth	NOUN
bjmsr-2306	19	17	and	and	CCONJ
bjmsr-2306	19	18	contributing	contribute	VERB
bjmsr-2306	19	19	to	to	ADP
bjmsr-2306	19	20	national	national	ADJ
bjmsr-2306	19	21	growth	growth	NOUN
bjmsr-2306	19	22	.	.	PUNCT
bjmsr-2306	20	1	however	however	ADV
bjmsr-2306	20	2	,	,	PUNCT
bjmsr-2306	20	3	despite	despite	SCONJ
bjmsr-2306	20	4	increasing	increase	VERB
bjmsr-2306	20	5	investment	investment	NOUN
bjmsr-2306	20	6	avenues	avenue	NOUN
bjmsr-2306	20	7	and	and	CCONJ
bjmsr-2306	20	8	intensifying	intensify	VERB
bjmsr-2306	20	9	advanced	advanced	ADJ
bjmsr-2306	20	10	technologies	technology	NOUN
bjmsr-2306	20	11	in	in	ADP
bjmsr-2306	20	12	financial	financial	ADJ
bjmsr-2306	20	13	markets	market	NOUN
bjmsr-2306	20	14	and	and	CCONJ
bjmsr-2306	20	15	instruments	instrument	NOUN
bjmsr-2306	20	16	,	,	PUNCT
bjmsr-2306	20	17	understanding	understand	VERB
bjmsr-2306	20	18	the	the	DET
bjmsr-2306	20	19	factors	factor	NOUN
bjmsr-2306	20	20	shaping	shape	VERB
bjmsr-2306	20	21	investment	investment	NOUN
bjmsr-2306	20	22	decisions	decision	NOUN
bjmsr-2306	20	23	in	in	ADP
bjmsr-2306	20	24	oman	oman	NOUN
bjmsr-2306	20	25	remains	remain	VERB
bjmsr-2306	20	26	unaddressed	unaddresse	VERB
bjmsr-2306	20	27	.	.	PUNCT
bjmsr-2306	21	1	unlike	unlike	ADP
bjmsr-2306	21	2	traditional	traditional	ADJ
bjmsr-2306	21	3	finance	finance	NOUN
bjmsr-2306	21	4	theories	theory	NOUN
bjmsr-2306	21	5	that	that	PRON
bjmsr-2306	21	6	assume	assume	VERB
bjmsr-2306	21	7	rationality	rationality	NOUN
bjmsr-2306	21	8	,	,	PUNCT
bjmsr-2306	21	9	behavioral	behavioral	ADJ
bjmsr-2306	21	10	finance	finance	NOUN
bjmsr-2306	21	11	acknowledges	acknowledge	VERB
bjmsr-2306	21	12	that	that	SCONJ
bjmsr-2306	21	13	biases	bias	NOUN
bjmsr-2306	21	14	,	,	PUNCT
bjmsr-2306	21	15	sentiments	sentiment	NOUN
bjmsr-2306	21	16	,	,	PUNCT
bjmsr-2306	21	17	and	and	CCONJ
bjmsr-2306	21	18	heuristics	heuristic	NOUN
bjmsr-2306	21	19	significantly	significantly	ADV
bjmsr-2306	21	20	determine	determine	VERB
bjmsr-2306	21	21	individual	individual	ADJ
bjmsr-2306	21	22	financial	financial	ADJ
bjmsr-2306	21	23	actions	action	NOUN
bjmsr-2306	21	24	(	(	PUNCT
bjmsr-2306	21	25	peón	peón	PROPN
bjmsr-2306	21	26	&	&	CCONJ
bjmsr-2306	21	27	antelo	antelo	ADJ
bjmsr-2306	21	28	,	,	PUNCT
bjmsr-2306	21	29	2021	2021	NUM
bjmsr-2306	21	30	)	)	PUNCT
bjmsr-2306	21	31	.	.	PUNCT
bjmsr-2306	22	1	given	give	VERB
bjmsr-2306	22	2	the	the	DET
bjmsr-2306	22	3	increasing	increase	VERB
bjmsr-2306	22	4	reliance	reliance	NOUN
bjmsr-2306	22	5	on	on	ADP
bjmsr-2306	22	6	fintech	fintech	NOUN
bjmsr-2306	22	7	solutions	solution	NOUN
bjmsr-2306	22	8	and	and	CCONJ
bjmsr-2306	22	9	data	datum	NOUN
bjmsr-2306	22	10	-	-	PUNCT
bjmsr-2306	22	11	driven	drive	VERB
bjmsr-2306	22	12	decision	decision	NOUN
bjmsr-2306	22	13	-	-	PUNCT
bjmsr-2306	22	14	making	making	NOUN
bjmsr-2306	22	15	,	,	PUNCT
bjmsr-2306	22	16	it	it	PRON
bjmsr-2306	22	17	is	be	AUX
bjmsr-2306	22	18	essential	essential	ADJ
bjmsr-2306	22	19	to	to	PART
bjmsr-2306	22	20	explore	explore	VERB
bjmsr-2306	22	21	how	how	SCONJ
bjmsr-2306	22	22	investor	investor	NOUN
bjmsr-2306	22	23	psychology	psychology	NOUN
bjmsr-2306	22	24	,	,	PUNCT
bjmsr-2306	22	25	available	available	ADJ
bjmsr-2306	22	26	accounting	accounting	NOUN
bjmsr-2306	22	27	information	information	NOUN
bjmsr-2306	22	28	,	,	PUNCT
bjmsr-2306	22	29	and	and	CCONJ
bjmsr-2306	22	30	fintech	fintech	NOUN
bjmsr-2306	22	31	exposure	exposure	NOUN
bjmsr-2306	22	32	influence	influence	NOUN
bjmsr-2306	22	33	investment	investment	NOUN
bjmsr-2306	22	34	interest	interest	NOUN
bjmsr-2306	22	35	and	and	CCONJ
bjmsr-2306	22	36	decision	decision	NOUN
bjmsr-2306	22	37	-	-	PUNCT
bjmsr-2306	22	38	making	making	NOUN
bjmsr-2306	22	39	(	(	PUNCT
bjmsr-2306	22	40	kaiser	kaiser	PROPN
bjmsr-2306	22	41	&	&	CCONJ
bjmsr-2306	22	42	menkhoff	menkhoff	PROPN
bjmsr-2306	22	43	,	,	PUNCT
bjmsr-2306	22	44	2020	2020	NUM
bjmsr-2306	22	45	)	)	PUNCT
bjmsr-2306	22	46	.	.	PUNCT
bjmsr-2306	23	1	this	this	DET
bjmsr-2306	23	2	study	study	NOUN
bjmsr-2306	23	3	adopts	adopt	VERB
bjmsr-2306	23	4	a	a	DET
bjmsr-2306	23	5	quantitative	quantitative	ADJ
bjmsr-2306	23	6	research	research	NOUN
bjmsr-2306	23	7	approach	approach	NOUN
bjmsr-2306	23	8	through	through	ADP
bjmsr-2306	23	9	a	a	DET
bjmsr-2306	23	10	structured	structured	ADJ
bjmsr-2306	23	11	questionnaire	questionnaire	NOUN
bjmsr-2306	23	12	distributed	distribute	VERB
bjmsr-2306	23	13	among	among	ADP
bjmsr-2306	23	14	omani	omani	ADJ
bjmsr-2306	23	15	individuals	individual	NOUN
bjmsr-2306	23	16	to	to	PART
bjmsr-2306	23	17	analyze	analyze	VERB
bjmsr-2306	23	18	the	the	DET
bjmsr-2306	23	19	relationships	relationship	NOUN
bjmsr-2306	23	20	between	between	ADP
bjmsr-2306	23	21	investor	investor	NOUN
bjmsr-2306	23	22	psychology	psychology	NOUN
bjmsr-2306	23	23	,	,	PUNCT
bjmsr-2306	23	24	accounting	accounting	NOUN
bjmsr-2306	23	25	information	information	NOUN
bjmsr-2306	23	26	,	,	PUNCT
bjmsr-2306	23	27	fintech	fintech	NOUN
bjmsr-2306	23	28	adoption	adoption	NOUN
bjmsr-2306	23	29	,	,	PUNCT
bjmsr-2306	23	30	and	and	CCONJ
bjmsr-2306	23	31	investment	investment	NOUN
bjmsr-2306	23	32	decisions	decision	NOUN
bjmsr-2306	23	33	.	.	PUNCT
bjmsr-2306	24	1	though	though	SCONJ
bjmsr-2306	24	2	investment	investment	NOUN
bjmsr-2306	24	3	decisions	decision	NOUN
bjmsr-2306	24	4	are	be	AUX
bjmsr-2306	24	5	influenced	influence	VERB
bjmsr-2306	24	6	by	by	ADP
bjmsr-2306	24	7	a	a	DET
bjmsr-2306	24	8	combination	combination	NOUN
bjmsr-2306	24	9	of	of	ADP
bjmsr-2306	24	10	psychological	psychological	ADJ
bjmsr-2306	24	11	,	,	PUNCT
bjmsr-2306	24	12	technological	technological	ADJ
bjmsr-2306	24	13	,	,	PUNCT
bjmsr-2306	24	14	and	and	CCONJ
bjmsr-2306	24	15	informational	informational	ADJ
bjmsr-2306	24	16	factors	factor	NOUN
bjmsr-2306	24	17	,	,	PUNCT
bjmsr-2306	24	18	these	these	DET
bjmsr-2306	24	19	aspects	aspect	NOUN
bjmsr-2306	24	20	have	have	AUX
bjmsr-2306	24	21	been	be	AUX
bjmsr-2306	24	22	explored	explore	VERB
bjmsr-2306	24	23	only	only	ADV
bjmsr-2306	24	24	to	to	ADP
bjmsr-2306	24	25	a	a	DET
bjmsr-2306	24	26	limited	limited	ADJ
bjmsr-2306	24	27	extent	extent	NOUN
bjmsr-2306	24	28	in	in	ADP
bjmsr-2306	24	29	oman	oman	NOUN
bjmsr-2306	24	30	.	.	PUNCT
bjmsr-2306	25	1	while	while	SCONJ
bjmsr-2306	25	2	global	global	ADJ
bjmsr-2306	25	3	research	research	NOUN
bjmsr-2306	25	4	has	have	AUX
bjmsr-2306	25	5	examined	examine	VERB
bjmsr-2306	25	6	these	these	DET
bjmsr-2306	25	7	parameters	parameter	NOUN
bjmsr-2306	25	8	as	as	ADP
bjmsr-2306	25	9	influential	influential	ADJ
bjmsr-2306	25	10	factors	factor	NOUN
bjmsr-2306	25	11	in	in	ADP
bjmsr-2306	25	12	investment	investment	NOUN
bjmsr-2306	25	13	decisions	decision	NOUN
bjmsr-2306	25	14	,	,	PUNCT
bjmsr-2306	25	15	most	most	ADJ
bjmsr-2306	25	16	studies	study	NOUN
bjmsr-2306	25	17	focus	focus	VERB
bjmsr-2306	25	18	on	on	ADP
bjmsr-2306	25	19	developed	develop	VERB
bjmsr-2306	25	20	economies	economy	NOUN
bjmsr-2306	25	21	.	.	PUNCT
bjmsr-2306	26	1	some	some	DET
bjmsr-2306	26	2	recent	recent	ADJ
bjmsr-2306	26	3	studies	study	NOUN
bjmsr-2306	26	4	emphasize	emphasize	VERB
bjmsr-2306	26	5	the	the	DET
bjmsr-2306	26	6	importance	importance	NOUN
bjmsr-2306	26	7	of	of	ADP
bjmsr-2306	26	8	investor	investor	NOUN
bjmsr-2306	26	9	behavior	behavior	NOUN
bjmsr-2306	26	10	in	in	ADP
bjmsr-2306	26	11	developing	develop	VERB
bjmsr-2306	26	12	markets	market	NOUN
bjmsr-2306	26	13	where	where	SCONJ
bjmsr-2306	26	14	financial	financial	ADJ
bjmsr-2306	26	15	literacy	literacy	NOUN
bjmsr-2306	26	16	is	be	AUX
bjmsr-2306	26	17	lower	low	ADJ
bjmsr-2306	26	18	and	and	CCONJ
bjmsr-2306	26	19	fintech	fintech	NOUN
bjmsr-2306	26	20	implementation	implementation	NOUN
bjmsr-2306	26	21	is	be	AUX
bjmsr-2306	26	22	still	still	ADV
bjmsr-2306	26	23	in	in	ADP
bjmsr-2306	26	24	its	its	PRON
bjmsr-2306	26	25	promising	promising	ADJ
bjmsr-2306	26	26	stages	stage	NOUN
bjmsr-2306	26	27	(	(	PUNCT
bjmsr-2306	26	28	haddad	haddad	PROPN
bjmsr-2306	26	29	&	&	CCONJ
bjmsr-2306	26	30	hornuf	hornuf	PROPN
bjmsr-2306	26	31	,	,	PUNCT
bjmsr-2306	26	32	2019	2019	NUM
bjmsr-2306	26	33	)	)	PUNCT
bjmsr-2306	26	34	.	.	PUNCT
bjmsr-2306	27	1	however	however	ADV
bjmsr-2306	27	2	,	,	PUNCT
bjmsr-2306	27	3	there	there	PRON
bjmsr-2306	27	4	is	be	VERB
bjmsr-2306	27	5	still	still	ADV
bjmsr-2306	27	6	limited	limit	VERB
bjmsr-2306	27	7	research	research	NOUN
bjmsr-2306	27	8	on	on	ADP
bjmsr-2306	27	9	how	how	SCONJ
bjmsr-2306	27	10	these	these	DET
bjmsr-2306	27	11	aspects	aspect	NOUN
bjmsr-2306	27	12	shape	shape	VERB
bjmsr-2306	27	13	investment	investment	NOUN
bjmsr-2306	27	14	behavior	behavior	NOUN
bjmsr-2306	27	15	in	in	ADP
bjmsr-2306	27	16	oman	oman	PROPN
bjmsr-2306	27	17	(	(	PUNCT
bjmsr-2306	27	18	kaiser	kaiser	PROPN
bjmsr-2306	27	19	&	&	CCONJ
bjmsr-2306	27	20	menkhoff	menkhoff	PROPN
bjmsr-2306	27	21	,	,	PUNCT
bjmsr-2306	27	22	2020	2020	NUM
bjmsr-2306	27	23	)	)	PUNCT
bjmsr-2306	27	24	.	.	PUNCT
bjmsr-2306	28	1	investors	investor	NOUN
bjmsr-2306	28	2	are	be	AUX
bjmsr-2306	28	3	influenced	influence	VERB
bjmsr-2306	28	4	by	by	ADP
bjmsr-2306	28	5	accounting	account	VERB
bjmsr-2306	28	6	information	information	NOUN
bjmsr-2306	28	7	availability	availability	NOUN
bjmsr-2306	28	8	when	when	SCONJ
bjmsr-2306	28	9	making	make	VERB
bjmsr-2306	28	10	investment	investment	NOUN
bjmsr-2306	28	11	decisions	decision	NOUN
bjmsr-2306	28	12	,	,	PUNCT
bjmsr-2306	28	13	yet	yet	CCONJ
bjmsr-2306	28	14	gaps	gap	NOUN
bjmsr-2306	28	15	remain	remain	VERB
bjmsr-2306	28	16	in	in	ADP
bjmsr-2306	28	17	the	the	DET
bjmsr-2306	28	18	literature	literature	NOUN
bjmsr-2306	28	19	,	,	PUNCT
bjmsr-2306	28	20	with	with	ADP
bjmsr-2306	28	21	limited	limited	ADJ
bjmsr-2306	28	22	studies	study	NOUN
bjmsr-2306	28	23	addressing	address	VERB
bjmsr-2306	28	24	1corresponding	1corresponding	NUM
bjmsr-2306	28	25	author	author	NOUN
bjmsr-2306	28	26	:	:	PUNCT
bjmsr-2306	28	27	orcid	orcid	PROPN
bjmsr-2306	28	28	i	i	PRON
bjmsr-2306	28	29	d	d	NOUN
bjmsr-2306	28	30	:	:	PUNCT
bjmsr-2306	28	31	0000	0000	NUM
bjmsr-2306	28	32	-	-	PUNCT
bjmsr-2306	28	33	0003	0003	NUM
bjmsr-2306	28	34	-	-	PUNCT
bjmsr-2306	28	35	0561	0561	NUM
bjmsr-2306	28	36	-	-	PUNCT
bjmsr-2306	28	37	8654	8654	NUM
bjmsr-2306	28	38	©	©	PROPN
bjmsr-2306	28	39	2025	2025	NUM
bjmsr-2306	28	40	by	by	ADP
bjmsr-2306	28	41	the	the	DET
bjmsr-2306	28	42	authors	author	NOUN
bjmsr-2306	28	43	.	.	PUNCT
bjmsr-2306	29	1	hosting	host	VERB
bjmsr-2306	29	2	by	by	ADP
bjmsr-2306	29	3	cribfb	cribfb	PROPN
bjmsr-2306	29	4	.	.	PUNCT
bjmsr-2306	30	1	peer	peer	NOUN
bjmsr-2306	30	2	review	review	NOUN
bjmsr-2306	30	3	is	be	AUX
bjmsr-2306	30	4	the	the	DET
bjmsr-2306	30	5	responsibility	responsibility	NOUN
bjmsr-2306	30	6	of	of	ADP
bjmsr-2306	30	7	cribfb	cribfb	PROPN
bjmsr-2306	30	8	,	,	PUNCT
bjmsr-2306	30	9	usa	usa	PROPN
bjmsr-2306	30	10	.	.	PROPN
bjmsr-2306	30	11	https://doi.org/10.46281/bjmsr.v10i2.2306	https://doi.org/10.46281/bjmsr.v10i2.2306	PROPN
bjmsr-2306	30	12	to	to	PART
bjmsr-2306	30	13	cite	cite	VERB
bjmsr-2306	30	14	this	this	DET
bjmsr-2306	30	15	article	article	NOUN
bjmsr-2306	30	16	:	:	PUNCT
bjmsr-2306	30	17	zaheeruddin	zaheeruddin	NOUN
bjmsr-2306	30	18	,	,	PUNCT
bjmsr-2306	30	19	m.	m.	NOUN
bjmsr-2306	30	20	,	,	PUNCT
bjmsr-2306	30	21	&	&	CCONJ
bjmsr-2306	30	22	kumar	kumar	PROPN
bjmsr-2306	30	23	,	,	PUNCT
bjmsr-2306	30	24	s.	s.	PROPN
bjmsr-2306	30	25	(	(	PUNCT
bjmsr-2306	30	26	2025	2025	NUM
bjmsr-2306	30	27	)	)	PUNCT
bjmsr-2306	30	28	.	.	PUNCT
bjmsr-2306	31	1	the	the	DET
bjmsr-2306	31	2	interplay	interplay	NOUN
bjmsr-2306	31	3	of	of	ADP
bjmsr-2306	31	4	investor	investor	NOUN
bjmsr-2306	31	5	psychology	psychology	NOUN
bjmsr-2306	31	6	,	,	PUNCT
bjmsr-2306	31	7	accounting	accounting	NOUN
bjmsr-2306	31	8	information	information	NOUN
bjmsr-2306	31	9	,	,	PUNCT
bjmsr-2306	31	10	and	and	CCONJ
bjmsr-2306	31	11	fintech	fintech	NOUN
bjmsr-2306	31	12	in	in	ADP
bjmsr-2306	31	13	shaping	shape	VERB
bjmsr-2306	31	14	investment	investment	NOUN
bjmsr-2306	31	15	decisions	decision	NOUN
bjmsr-2306	31	16	:	:	PUNCT
bjmsr-2306	31	17	evidence	evidence	NOUN
bjmsr-2306	31	18	from	from	ADP
bjmsr-2306	31	19	oman	oman	PROPN
bjmsr-2306	31	20	.	.	PUNCT
bjmsr-2306	32	1	bangladesh	bangladesh	PROPN
bjmsr-2306	32	2	journal	journal	PROPN
bjmsr-2306	32	3	of	of	ADP
bjmsr-2306	32	4	multidisciplinary	multidisciplinary	ADJ
bjmsr-2306	32	5	scientific	scientific	ADJ
bjmsr-2306	32	6	research	research	NOUN
bjmsr-2306	32	7	,	,	PUNCT
bjmsr-2306	32	8	10(2	10(2	NUM
bjmsr-2306	32	9	)	)	PUNCT
bjmsr-2306	32	10	,	,	PUNCT
bjmsr-2306	32	11	12	12	NUM
bjmsr-2306	32	12	-	-	SYM
bjmsr-2306	32	13	20	20	NUM
bjmsr-2306	32	14	.	.	PUNCT
bjmsr-2306	33	1	https://doi.org/10.46281/bjmsr.v10i2.2306	https://doi.org/10.46281/bjmsr.v10i2.2306	PROPN
bjmsr-2306	33	2	http://creativecommons.org/licenses/by/4.0/	http://creativecommons.org/licenses/by/4.0/	PROPN
bjmsr-2306	33	3	)	)	PUNCT
bjmsr-2306	33	4	http://creativecommons.org/licenses/by/4.0/	http://creativecommons.org/licenses/by/4.0/	PROPN
bjmsr-2306	33	5	)	)	PUNCT
bjmsr-2306	33	6	https://www.openaccess.nl/en	https://www.openaccess.nl/en	PROPN
bjmsr-2306	33	7	https://doi.org/10.46281/bjmsr.v10i2.2306	https://doi.org/10.46281/bjmsr.v10i2.2306	NUM
bjmsr-2306	33	8	https://orcid.org/0000-0003-0561-8654	https://orcid.org/0000-0003-0561-8654	PROPN
bjmsr-2306	33	9	https://orcid.org/0000-0002-7883-6700	https://orcid.org/0000-0002-7883-6700	PROPN
bjmsr-2306	33	10	zaheeruddin	zaheeruddin	PROPN
bjmsr-2306	33	11	&	&	CCONJ
bjmsr-2306	33	12	kumar	kumar	PROPN
bjmsr-2306	33	13	,	,	PUNCT
bjmsr-2306	33	14	bangladesh	bangladesh	PROPN
bjmsr-2306	33	15	journal	journal	NOUN
bjmsr-2306	33	16	of	of	ADP
bjmsr-2306	33	17	multidisciplinary	multidisciplinary	ADJ
bjmsr-2306	33	18	scientific	scientific	ADJ
bjmsr-2306	33	19	research	research	NOUN
bjmsr-2306	33	20	10(2	10(2	NUM
bjmsr-2306	33	21	)	)	PUNCT
bjmsr-2306	33	22	(	(	PUNCT
bjmsr-2306	33	23	2025	2025	NUM
bjmsr-2306	33	24	)	)	PUNCT
bjmsr-2306	33	25	,	,	PUNCT
bjmsr-2306	33	26	12	12	NUM
bjmsr-2306	33	27	-	-	SYM
bjmsr-2306	33	28	20	20	NUM
bjmsr-2306	33	29	13	13	NUM
bjmsr-2306	33	30	this	this	DET
bjmsr-2306	33	31	issue	issue	NOUN
bjmsr-2306	33	32	(	(	PUNCT
bjmsr-2306	33	33	cascino	cascino	PROPN
bjmsr-2306	33	34	&	&	CCONJ
bjmsr-2306	33	35	gassen	gassen	PROPN
bjmsr-2306	33	36	,	,	PUNCT
bjmsr-2306	33	37	2015	2015	NUM
bjmsr-2306	33	38	)	)	PUNCT
bjmsr-2306	33	39	.	.	PUNCT
bjmsr-2306	34	1	despite	despite	SCONJ
bjmsr-2306	34	2	extensive	extensive	ADJ
bjmsr-2306	34	3	financial	financial	ADJ
bjmsr-2306	34	4	literacy	literacy	NOUN
bjmsr-2306	34	5	programs	program	NOUN
bjmsr-2306	34	6	in	in	ADP
bjmsr-2306	34	7	oman	oman	NOUN
bjmsr-2306	34	8	,	,	PUNCT
bjmsr-2306	34	9	there	there	PRON
bjmsr-2306	34	10	is	be	VERB
bjmsr-2306	34	11	a	a	DET
bjmsr-2306	34	12	need	need	NOUN
bjmsr-2306	34	13	to	to	PART
bjmsr-2306	34	14	examine	examine	VERB
bjmsr-2306	34	15	how	how	SCONJ
bjmsr-2306	34	16	individuals	individual	NOUN
bjmsr-2306	34	17	apply	apply	VERB
bjmsr-2306	34	18	this	this	DET
bjmsr-2306	34	19	knowledge	knowledge	NOUN
bjmsr-2306	34	20	in	in	ADP
bjmsr-2306	34	21	their	their	PRON
bjmsr-2306	34	22	investment	investment	NOUN
bjmsr-2306	34	23	appraisal	appraisal	NOUN
bjmsr-2306	34	24	processes	process	NOUN
bjmsr-2306	34	25	(	(	PUNCT
bjmsr-2306	34	26	kaiser	kaiser	PROPN
bjmsr-2306	34	27	&	&	CCONJ
bjmsr-2306	34	28	menkhoff	menkhoff	PROPN
bjmsr-2306	34	29	,	,	PUNCT
bjmsr-2306	34	30	2020	2020	NUM
bjmsr-2306	34	31	)	)	PUNCT
bjmsr-2306	34	32	.	.	PUNCT
bjmsr-2306	35	1	furthermore	furthermore	ADV
bjmsr-2306	35	2	,	,	PUNCT
bjmsr-2306	35	3	accounting	account	VERB
bjmsr-2306	35	4	information	information	NOUN
bjmsr-2306	35	5	training	training	NOUN
bjmsr-2306	35	6	and	and	CCONJ
bjmsr-2306	35	7	financial	financial	ADJ
bjmsr-2306	35	8	literacy	literacy	NOUN
bjmsr-2306	35	9	programs	program	NOUN
bjmsr-2306	35	10	highlight	highlight	VERB
bjmsr-2306	35	11	the	the	DET
bjmsr-2306	35	12	importance	importance	NOUN
bjmsr-2306	35	13	of	of	ADP
bjmsr-2306	35	14	understanding	understand	VERB
bjmsr-2306	35	15	their	their	PRON
bjmsr-2306	35	16	impact	impact	NOUN
bjmsr-2306	35	17	on	on	ADP
bjmsr-2306	35	18	both	both	CCONJ
bjmsr-2306	35	19	long	long	ADJ
bjmsr-2306	35	20	-	-	PUNCT
bjmsr-2306	35	21	term	term	NOUN
bjmsr-2306	35	22	and	and	CCONJ
bjmsr-2306	35	23	short	short	ADJ
bjmsr-2306	35	24	-	-	PUNCT
bjmsr-2306	35	25	term	term	NOUN
bjmsr-2306	35	26	investment	investment	NOUN
bjmsr-2306	35	27	planning	planning	NOUN
bjmsr-2306	35	28	,	,	PUNCT
bjmsr-2306	35	29	particularly	particularly	ADV
bjmsr-2306	35	30	in	in	ADP
bjmsr-2306	35	31	rapidly	rapidly	ADV
bjmsr-2306	35	32	evolving	evolve	VERB
bjmsr-2306	35	33	economies	economy	NOUN
bjmsr-2306	35	34	(	(	PUNCT
bjmsr-2306	35	35	klapper	klapper	NOUN
bjmsr-2306	35	36	et	et	PROPN
bjmsr-2306	35	37	al	al	PROPN
bjmsr-2306	35	38	.	.	PROPN
bjmsr-2306	35	39	,	,	PUNCT
bjmsr-2306	35	40	2013	2013	NUM
bjmsr-2306	35	41	)	)	PUNCT
bjmsr-2306	35	42	.	.	PUNCT
bjmsr-2306	36	1	this	this	DET
bjmsr-2306	36	2	study	study	NOUN
bjmsr-2306	36	3	investigates	investigate	VERB
bjmsr-2306	36	4	whether	whether	SCONJ
bjmsr-2306	36	5	exposure	exposure	NOUN
bjmsr-2306	36	6	to	to	ADP
bjmsr-2306	36	7	fintech	fintech	NOUN
bjmsr-2306	36	8	stimulates	stimulate	VERB
bjmsr-2306	36	9	interest	interest	NOUN
bjmsr-2306	36	10	in	in	ADP
bjmsr-2306	36	11	investment	investment	NOUN
bjmsr-2306	36	12	opportunities	opportunity	NOUN
bjmsr-2306	36	13	and	and	CCONJ
bjmsr-2306	36	14	how	how	SCONJ
bjmsr-2306	36	15	psychological	psychological	ADJ
bjmsr-2306	36	16	tendencies	tendency	NOUN
bjmsr-2306	36	17	and	and	CCONJ
bjmsr-2306	36	18	available	available	ADJ
bjmsr-2306	36	19	accounting	accounting	NOUN
bjmsr-2306	36	20	information	information	NOUN
bjmsr-2306	36	21	impact	impact	NOUN
bjmsr-2306	36	22	individual	individual	ADJ
bjmsr-2306	36	23	investment	investment	NOUN
bjmsr-2306	36	24	decisions	decision	NOUN
bjmsr-2306	36	25	in	in	ADP
bjmsr-2306	36	26	oman	oman	NOUN
bjmsr-2306	36	27	.	.	PUNCT
bjmsr-2306	37	1	it	it	PRON
bjmsr-2306	37	2	specifically	specifically	ADV
bjmsr-2306	37	3	examines	examine	VERB
bjmsr-2306	37	4	whether	whether	SCONJ
bjmsr-2306	37	5	investor	investor	NOUN
bjmsr-2306	37	6	psychology	psychology	NOUN
bjmsr-2306	37	7	enhances	enhance	VERB
bjmsr-2306	37	8	investment	investment	NOUN
bjmsr-2306	37	9	interest	interest	NOUN
bjmsr-2306	37	10	,	,	PUNCT
bjmsr-2306	37	11	whether	whether	SCONJ
bjmsr-2306	37	12	accounting	account	VERB
bjmsr-2306	37	13	information	information	NOUN
bjmsr-2306	37	14	guides	guide	VERB
bjmsr-2306	37	15	investor	investor	NOUN
bjmsr-2306	37	16	choices	choice	NOUN
bjmsr-2306	37	17	,	,	PUNCT
bjmsr-2306	37	18	and	and	CCONJ
bjmsr-2306	37	19	whether	whether	SCONJ
bjmsr-2306	37	20	fintech	fintech	NOUN
bjmsr-2306	37	21	platforms	platform	NOUN
bjmsr-2306	37	22	facilitate	facilitate	VERB
bjmsr-2306	37	23	or	or	CCONJ
bjmsr-2306	37	24	hinder	hinder	VERB
bjmsr-2306	37	25	informed	informed	ADJ
bjmsr-2306	37	26	decision	decision	NOUN
bjmsr-2306	37	27	-	-	PUNCT
bjmsr-2306	37	28	making	making	NOUN
bjmsr-2306	37	29	(	(	PUNCT
bjmsr-2306	37	30	haddad	haddad	PROPN
bjmsr-2306	37	31	&	&	CCONJ
bjmsr-2306	37	32	hornuf	hornuf	PROPN
bjmsr-2306	37	33	,	,	PUNCT
bjmsr-2306	37	34	2019	2019	NUM
bjmsr-2306	37	35	;	;	PUNCT
bjmsr-2306	37	36	kaiser	kaiser	PROPN
bjmsr-2306	37	37	&	&	CCONJ
bjmsr-2306	37	38	menkhoff	menkhoff	PROPN
bjmsr-2306	37	39	,	,	PUNCT
bjmsr-2306	37	40	2020	2020	NUM
bjmsr-2306	37	41	)	)	PUNCT
bjmsr-2306	37	42	.	.	PUNCT
bjmsr-2306	38	1	the	the	DET
bjmsr-2306	38	2	paper	paper	NOUN
bjmsr-2306	38	3	is	be	AUX
bjmsr-2306	38	4	organized	organize	VERB
bjmsr-2306	38	5	as	as	SCONJ
bjmsr-2306	38	6	follows	follow	VERB
bjmsr-2306	38	7	:	:	PUNCT
bjmsr-2306	38	8	a	a	DET
bjmsr-2306	38	9	review	review	NOUN
bjmsr-2306	38	10	of	of	ADP
bjmsr-2306	38	11	the	the	DET
bjmsr-2306	38	12	pertinent	pertinent	ADJ
bjmsr-2306	38	13	literature	literature	NOUN
bjmsr-2306	38	14	that	that	PRON
bjmsr-2306	38	15	served	serve	VERB
bjmsr-2306	38	16	as	as	ADP
bjmsr-2306	38	17	a	a	DET
bjmsr-2306	38	18	guide	guide	NOUN
bjmsr-2306	38	19	for	for	ADP
bjmsr-2306	38	20	the	the	DET
bjmsr-2306	38	21	creation	creation	NOUN
bjmsr-2306	38	22	of	of	ADP
bjmsr-2306	38	23	the	the	DET
bjmsr-2306	38	24	hypotheses	hypothesis	NOUN
bjmsr-2306	38	25	is	be	AUX
bjmsr-2306	38	26	given	give	VERB
bjmsr-2306	38	27	in	in	ADP
bjmsr-2306	38	28	section	section	NOUN
bjmsr-2306	38	29	2	2	NUM
bjmsr-2306	38	30	.	.	PUNCT
bjmsr-2306	39	1	the	the	DET
bjmsr-2306	39	2	research	research	NOUN
bjmsr-2306	39	3	methodology	methodology	NOUN
bjmsr-2306	39	4	used	use	VERB
bjmsr-2306	39	5	is	be	AUX
bjmsr-2306	39	6	described	describe	VERB
bjmsr-2306	39	7	in	in	ADP
bjmsr-2306	39	8	depth	depth	NOUN
bjmsr-2306	39	9	in	in	ADP
bjmsr-2306	39	10	section	section	NOUN
bjmsr-2306	39	11	3	3	NUM
bjmsr-2306	39	12	,	,	PUNCT
bjmsr-2306	39	13	and	and	CCONJ
bjmsr-2306	39	14	results	result	NOUN
bjmsr-2306	39	15	and	and	CCONJ
bjmsr-2306	39	16	discussions	discussion	NOUN
bjmsr-2306	39	17	are	be	AUX
bjmsr-2306	39	18	presented	present	VERB
bjmsr-2306	39	19	in	in	ADP
bjmsr-2306	39	20	section	section	NOUN
bjmsr-2306	39	21	4	4	NUM
bjmsr-2306	39	22	,	,	PUNCT
bjmsr-2306	39	23	and	and	CCONJ
bjmsr-2306	39	24	the	the	DET
bjmsr-2306	39	25	paper	paper	NOUN
bjmsr-2306	39	26	concludes	conclude	VERB
bjmsr-2306	39	27	in	in	ADP
bjmsr-2306	39	28	section	section	NOUN
bjmsr-2306	39	29	5	5	NUM
bjmsr-2306	39	30	.	.	PUNCT
bjmsr-2306	39	31	literature	literature	PROPN
bjmsr-2306	39	32	review	review	PROPN
bjmsr-2306	39	33	investor	investor	NOUN
bjmsr-2306	39	34	psychology	psychology	NOUN
bjmsr-2306	39	35	behavioral	behavioral	ADJ
bjmsr-2306	39	36	finance	finance	NOUN
bjmsr-2306	39	37	is	be	AUX
bjmsr-2306	39	38	a	a	DET
bjmsr-2306	39	39	novel	novel	ADJ
bjmsr-2306	39	40	branch	branch	NOUN
bjmsr-2306	39	41	of	of	ADP
bjmsr-2306	39	42	study	study	NOUN
bjmsr-2306	39	43	in	in	ADP
bjmsr-2306	39	44	finance	finance	NOUN
bjmsr-2306	39	45	that	that	PRON
bjmsr-2306	39	46	studies	study	VERB
bjmsr-2306	39	47	the	the	DET
bjmsr-2306	39	48	psychological	psychological	ADJ
bjmsr-2306	39	49	factors	factor	NOUN
bjmsr-2306	39	50	of	of	ADP
bjmsr-2306	39	51	investors	investor	NOUN
bjmsr-2306	39	52	during	during	ADP
bjmsr-2306	39	53	their	their	PRON
bjmsr-2306	39	54	investment	investment	NOUN
bjmsr-2306	39	55	appraisal	appraisal	NOUN
bjmsr-2306	39	56	process	process	NOUN
bjmsr-2306	39	57	.	.	PUNCT
bjmsr-2306	40	1	the	the	DET
bjmsr-2306	40	2	psychology	psychology	NOUN
bjmsr-2306	40	3	of	of	ADP
bjmsr-2306	40	4	investors	investor	NOUN
bjmsr-2306	40	5	refers	refer	VERB
bjmsr-2306	40	6	to	to	ADP
bjmsr-2306	40	7	behavioral	behavioral	ADJ
bjmsr-2306	40	8	aspects	aspect	NOUN
bjmsr-2306	40	9	that	that	PRON
bjmsr-2306	40	10	inspire	inspire	VERB
bjmsr-2306	40	11	an	an	DET
bjmsr-2306	40	12	individual	individual	NOUN
bjmsr-2306	40	13	during	during	ADP
bjmsr-2306	40	14	their	their	PRON
bjmsr-2306	40	15	investment	investment	NOUN
bjmsr-2306	40	16	.	.	PUNCT
bjmsr-2306	41	1	these	these	PRON
bjmsr-2306	41	2	include	include	VERB
bjmsr-2306	41	3	emotions	emotion	NOUN
bjmsr-2306	41	4	,	,	PUNCT
bjmsr-2306	41	5	societal	societal	ADJ
bjmsr-2306	41	6	biases	bias	NOUN
bjmsr-2306	41	7	,	,	PUNCT
bjmsr-2306	41	8	cognitive	cognitive	ADJ
bjmsr-2306	41	9	errors	error	NOUN
bjmsr-2306	41	10	,	,	PUNCT
bjmsr-2306	41	11	spending	spending	NOUN
bjmsr-2306	41	12	patterns	pattern	NOUN
bjmsr-2306	41	13	,	,	PUNCT
bjmsr-2306	41	14	confidence	confidence	NOUN
bjmsr-2306	41	15	level	level	NOUN
bjmsr-2306	41	16	,	,	PUNCT
bjmsr-2306	41	17	self	self	NOUN
bjmsr-2306	41	18	-	-	PUNCT
bjmsr-2306	41	19	control	control	NOUN
bjmsr-2306	41	20	,	,	PUNCT
bjmsr-2306	41	21	and	and	CCONJ
bjmsr-2306	41	22	risk	risk	NOUN
bjmsr-2306	41	23	aptitude	aptitude	NOUN
bjmsr-2306	41	24	.	.	PUNCT
bjmsr-2306	42	1	understanding	understand	VERB
bjmsr-2306	42	2	these	these	DET
bjmsr-2306	42	3	psychological	psychological	ADJ
bjmsr-2306	42	4	factors	factor	NOUN
bjmsr-2306	42	5	is	be	AUX
bjmsr-2306	42	6	crucial	crucial	ADJ
bjmsr-2306	42	7	in	in	ADP
bjmsr-2306	42	8	identifying	identify	VERB
bjmsr-2306	42	9	the	the	DET
bjmsr-2306	42	10	investment	investment	NOUN
bjmsr-2306	42	11	choices	choice	NOUN
bjmsr-2306	42	12	of	of	ADP
bjmsr-2306	42	13	individual	individual	ADJ
bjmsr-2306	42	14	investors	investor	NOUN
bjmsr-2306	42	15	(	(	PUNCT
bjmsr-2306	42	16	baker	baker	PROPN
bjmsr-2306	42	17	&	&	CCONJ
bjmsr-2306	42	18	ricciardi	ricciardi	PROPN
bjmsr-2306	42	19	,	,	PUNCT
bjmsr-2306	42	20	2014	2014	NUM
bjmsr-2306	42	21	)	)	PUNCT
bjmsr-2306	42	22	.	.	PUNCT
bjmsr-2306	43	1	prospect	prospect	PROPN
bjmsr-2306	43	2	theory	theory	NOUN
bjmsr-2306	43	3	,	,	PUNCT
bjmsr-2306	43	4	introduced	introduce	VERB
bjmsr-2306	43	5	by	by	ADP
bjmsr-2306	43	6	kahneman	kahneman	NOUN
bjmsr-2306	43	7	and	and	CCONJ
bjmsr-2306	43	8	tversky	tversky	PROPN
bjmsr-2306	43	9	(	(	PUNCT
bjmsr-2306	43	10	1979	1979	NUM
bjmsr-2306	43	11	)	)	PUNCT
bjmsr-2306	43	12	,	,	PUNCT
bjmsr-2306	43	13	emphasizes	emphasize	VERB
bjmsr-2306	43	14	how	how	SCONJ
bjmsr-2306	43	15	people	people	NOUN
bjmsr-2306	43	16	evaluate	evaluate	VERB
bjmsr-2306	43	17	their	their	PRON
bjmsr-2306	43	18	potential	potential	ADJ
bjmsr-2306	43	19	gains	gain	NOUN
bjmsr-2306	43	20	and	and	CCONJ
bjmsr-2306	43	21	losses	loss	NOUN
bjmsr-2306	43	22	differently	differently	ADV
bjmsr-2306	43	23	based	base	VERB
bjmsr-2306	43	24	on	on	ADP
bjmsr-2306	43	25	their	their	PRON
bjmsr-2306	43	26	behaviors	behavior	NOUN
bjmsr-2306	43	27	.	.	PUNCT
bjmsr-2306	44	1	the	the	DET
bjmsr-2306	44	2	theory	theory	NOUN
bjmsr-2306	44	3	suggests	suggest	VERB
bjmsr-2306	44	4	that	that	SCONJ
bjmsr-2306	44	5	investors	investor	NOUN
bjmsr-2306	44	6	are	be	AUX
bjmsr-2306	44	7	habitually	habitually	ADV
bjmsr-2306	44	8	risk	risk	NOUN
bjmsr-2306	44	9	-	-	PUNCT
bjmsr-2306	44	10	averse	averse	ADJ
bjmsr-2306	44	11	when	when	SCONJ
bjmsr-2306	44	12	observing	observe	VERB
bjmsr-2306	44	13	potential	potential	ADJ
bjmsr-2306	44	14	gains	gain	NOUN
bjmsr-2306	44	15	but	but	CCONJ
bjmsr-2306	44	16	risk	risk	NOUN
bjmsr-2306	44	17	-	-	PUNCT
bjmsr-2306	44	18	seeking	seeking	NOUN
bjmsr-2306	44	19	when	when	SCONJ
bjmsr-2306	44	20	confronting	confront	VERB
bjmsr-2306	44	21	potential	potential	ADJ
bjmsr-2306	44	22	losses	loss	NOUN
bjmsr-2306	44	23	,	,	PUNCT
bjmsr-2306	44	24	indicating	indicate	VERB
bjmsr-2306	44	25	that	that	SCONJ
bjmsr-2306	44	26	a	a	DET
bjmsr-2306	44	27	more	more	ADV
bjmsr-2306	44	28	nuanced	nuanced	ADJ
bjmsr-2306	44	29	understanding	understanding	NOUN
bjmsr-2306	44	30	of	of	ADP
bjmsr-2306	44	31	investor	investor	NOUN
bjmsr-2306	44	32	psychology	psychology	NOUN
bjmsr-2306	44	33	is	be	AUX
bjmsr-2306	44	34	essential	essential	ADJ
bjmsr-2306	44	35	.	.	PUNCT
bjmsr-2306	45	1	barberis	barberis	PROPN
bjmsr-2306	45	2	and	and	CCONJ
bjmsr-2306	45	3	thaler	thaler	PROPN
bjmsr-2306	45	4	(	(	PUNCT
bjmsr-2306	45	5	2003	2003	NUM
bjmsr-2306	45	6	)	)	PUNCT
bjmsr-2306	45	7	suggest	suggest	VERB
bjmsr-2306	45	8	that	that	SCONJ
bjmsr-2306	45	9	emotional	emotional	ADJ
bjmsr-2306	45	10	factors	factor	NOUN
bjmsr-2306	45	11	significantly	significantly	ADV
bjmsr-2306	45	12	influence	influence	VERB
bjmsr-2306	45	13	individuals	individual	NOUN
bjmsr-2306	45	14	’	'	PUNCT
bjmsr-2306	45	15	financial	financial	ADJ
bjmsr-2306	45	16	activities	activity	NOUN
bjmsr-2306	45	17	.	.	PUNCT
bjmsr-2306	46	1	cognitive	cognitive	ADJ
bjmsr-2306	46	2	biases	bias	NOUN
bjmsr-2306	46	3	,	,	PUNCT
bjmsr-2306	46	4	such	such	ADJ
bjmsr-2306	46	5	as	as	ADP
bjmsr-2306	46	6	overconfidence	overconfidence	NOUN
bjmsr-2306	46	7	and	and	CCONJ
bjmsr-2306	46	8	loss	loss	NOUN
bjmsr-2306	46	9	avoidance	avoidance	NOUN
bjmsr-2306	46	10	,	,	PUNCT
bjmsr-2306	46	11	have	have	VERB
bjmsr-2306	46	12	a	a	DET
bjmsr-2306	46	13	significant	significant	ADJ
bjmsr-2306	46	14	impact	impact	NOUN
bjmsr-2306	46	15	on	on	ADP
bjmsr-2306	46	16	investment	investment	NOUN
bjmsr-2306	46	17	decisions	decision	NOUN
bjmsr-2306	46	18	.	.	PUNCT
bjmsr-2306	47	1	for	for	ADP
bjmsr-2306	47	2	example	example	NOUN
bjmsr-2306	47	3	,	,	PUNCT
bjmsr-2306	47	4	investors	investor	NOUN
bjmsr-2306	47	5	often	often	ADV
bjmsr-2306	47	6	exhibit	exhibit	VERB
bjmsr-2306	47	7	overconfidence	overconfidence	NOUN
bjmsr-2306	47	8	in	in	ADP
bjmsr-2306	47	9	their	their	PRON
bjmsr-2306	47	10	ability	ability	NOUN
bjmsr-2306	47	11	to	to	PART
bjmsr-2306	47	12	forecast	forecast	VERB
bjmsr-2306	47	13	market	market	NOUN
bjmsr-2306	47	14	trends	trend	NOUN
bjmsr-2306	47	15	,	,	PUNCT
bjmsr-2306	47	16	leading	lead	VERB
bjmsr-2306	47	17	to	to	ADP
bjmsr-2306	47	18	excessive	excessive	ADJ
bjmsr-2306	47	19	trading	trading	NOUN
bjmsr-2306	47	20	and	and	CCONJ
bjmsr-2306	47	21	suboptimal	suboptimal	ADJ
bjmsr-2306	47	22	investment	investment	NOUN
bjmsr-2306	47	23	outcomes	outcome	NOUN
bjmsr-2306	47	24	(	(	PUNCT
bjmsr-2306	47	25	odean	odean	ADJ
bjmsr-2306	47	26	,	,	PUNCT
bjmsr-2306	47	27	1998	1998	NUM
bjmsr-2306	47	28	)	)	PUNCT
bjmsr-2306	47	29	.	.	PUNCT
bjmsr-2306	48	1	furthermore	furthermore	ADV
bjmsr-2306	48	2	,	,	PUNCT
bjmsr-2306	48	3	prospect	prospect	NOUN
bjmsr-2306	48	4	theory	theory	NOUN
bjmsr-2306	48	5	proposes	propose	VERB
bjmsr-2306	48	6	that	that	SCONJ
bjmsr-2306	48	7	individuals	individual	NOUN
bjmsr-2306	48	8	perceive	perceive	VERB
bjmsr-2306	48	9	losses	losse	VERB
bjmsr-2306	48	10	more	more	ADV
bjmsr-2306	48	11	intensely	intensely	ADV
bjmsr-2306	48	12	than	than	ADP
bjmsr-2306	48	13	corresponding	correspond	VERB
bjmsr-2306	48	14	gains	gain	NOUN
bjmsr-2306	48	15	,	,	PUNCT
bjmsr-2306	48	16	which	which	PRON
bjmsr-2306	48	17	alters	alter	VERB
bjmsr-2306	48	18	risk	risk	NOUN
bjmsr-2306	48	19	-	-	PUNCT
bjmsr-2306	48	20	taking	take	VERB
bjmsr-2306	48	21	behavior	behavior	NOUN
bjmsr-2306	48	22	(	(	PUNCT
bjmsr-2306	48	23	kahneman	kahneman	PROPN
bjmsr-2306	48	24	&	&	CCONJ
bjmsr-2306	48	25	tversky	tversky	PROPN
bjmsr-2306	48	26	,	,	PUNCT
bjmsr-2306	48	27	1979	1979	NUM
bjmsr-2306	48	28	)	)	PUNCT
bjmsr-2306	48	29	.	.	PUNCT
bjmsr-2306	49	1	these	these	DET
bjmsr-2306	49	2	psychological	psychological	ADJ
bjmsr-2306	49	3	factors	factor	NOUN
bjmsr-2306	49	4	indicate	indicate	VERB
bjmsr-2306	49	5	that	that	SCONJ
bjmsr-2306	49	6	understanding	understand	VERB
bjmsr-2306	49	7	investor	investor	NOUN
bjmsr-2306	49	8	behavior	behavior	NOUN
bjmsr-2306	49	9	is	be	AUX
bjmsr-2306	49	10	crucial	crucial	ADJ
bjmsr-2306	49	11	for	for	ADP
bjmsr-2306	49	12	predicting	predict	VERB
bjmsr-2306	49	13	investment	investment	NOUN
bjmsr-2306	49	14	interests	interest	NOUN
bjmsr-2306	49	15	and	and	CCONJ
bjmsr-2306	49	16	decisions	decision	NOUN
bjmsr-2306	49	17	.	.	PUNCT
bjmsr-2306	50	1	research	research	NOUN
bjmsr-2306	50	2	has	have	AUX
bjmsr-2306	50	3	shown	show	VERB
bjmsr-2306	50	4	that	that	SCONJ
bjmsr-2306	50	5	individuals	individual	NOUN
bjmsr-2306	50	6	who	who	PRON
bjmsr-2306	50	7	are	be	AUX
bjmsr-2306	50	8	sensitive	sensitive	ADJ
bjmsr-2306	50	9	to	to	ADP
bjmsr-2306	50	10	their	their	PRON
bjmsr-2306	50	11	biases	bias	NOUN
bjmsr-2306	50	12	are	be	AUX
bjmsr-2306	50	13	more	more	ADV
bjmsr-2306	50	14	likely	likely	ADJ
bjmsr-2306	50	15	to	to	PART
bjmsr-2306	50	16	make	make	VERB
bjmsr-2306	50	17	rational	rational	ADJ
bjmsr-2306	50	18	investment	investment	NOUN
bjmsr-2306	50	19	choices	choice	NOUN
bjmsr-2306	50	20	(	(	PUNCT
bjmsr-2306	50	21	gervais	gervais	PROPN
bjmsr-2306	50	22	&	&	CCONJ
bjmsr-2306	50	23	odean	odean	ADJ
bjmsr-2306	50	24	,	,	PUNCT
bjmsr-2306	50	25	2001	2001	NUM
bjmsr-2306	50	26	;	;	PUNCT
bjmsr-2306	50	27	yusoh	yusoh	PROPN
bjmsr-2306	50	28	et	et	PROPN
bjmsr-2306	50	29	al	al	PROPN
bjmsr-2306	50	30	.	.	PROPN
bjmsr-2306	50	31	,	,	PUNCT
bjmsr-2306	50	32	2024	2024	NUM
bjmsr-2306	50	33	)	)	PUNCT
bjmsr-2306	50	34	.	.	PUNCT
bjmsr-2306	51	1	accounting	account	VERB
bjmsr-2306	51	2	information	information	PROPN
bjmsr-2306	51	3	accounting	accounting	NOUN
bjmsr-2306	51	4	information	information	NOUN
bjmsr-2306	51	5	refers	refer	VERB
bjmsr-2306	51	6	to	to	ADP
bjmsr-2306	51	7	the	the	DET
bjmsr-2306	51	8	data	datum	NOUN
bjmsr-2306	51	9	available	available	ADJ
bjmsr-2306	51	10	through	through	ADP
bjmsr-2306	51	11	financial	financial	ADJ
bjmsr-2306	51	12	statements	statement	NOUN
bjmsr-2306	51	13	and	and	CCONJ
bjmsr-2306	51	14	reports	report	NOUN
bjmsr-2306	51	15	that	that	PRON
bjmsr-2306	51	16	support	support	VERB
bjmsr-2306	51	17	stakeholders	stakeholder	NOUN
bjmsr-2306	51	18	in	in	ADP
bjmsr-2306	51	19	understanding	understand	VERB
bjmsr-2306	51	20	a	a	DET
bjmsr-2306	51	21	company	company	NOUN
bjmsr-2306	51	22	's	's	PART
bjmsr-2306	51	23	financial	financial	ADJ
bjmsr-2306	51	24	health	health	NOUN
bjmsr-2306	51	25	.	.	PUNCT
bjmsr-2306	52	1	the	the	DET
bjmsr-2306	52	2	availability	availability	NOUN
bjmsr-2306	52	3	of	of	ADP
bjmsr-2306	52	4	precise	precise	ADJ
bjmsr-2306	52	5	and	and	CCONJ
bjmsr-2306	52	6	pertinent	pertinent	ADJ
bjmsr-2306	52	7	accounting	accounting	NOUN
bjmsr-2306	52	8	information	information	NOUN
bjmsr-2306	52	9	is	be	AUX
bjmsr-2306	52	10	crucial	crucial	ADJ
bjmsr-2306	52	11	for	for	SCONJ
bjmsr-2306	52	12	individuals	individual	NOUN
bjmsr-2306	52	13	to	to	PART
bjmsr-2306	52	14	make	make	VERB
bjmsr-2306	52	15	informed	informed	ADJ
bjmsr-2306	52	16	decisions	decision	NOUN
bjmsr-2306	52	17	regarding	regard	VERB
bjmsr-2306	52	18	their	their	PRON
bjmsr-2306	52	19	investments	investment	NOUN
bjmsr-2306	52	20	.	.	PUNCT
bjmsr-2306	53	1	it	it	PRON
bjmsr-2306	53	2	serves	serve	VERB
bjmsr-2306	53	3	as	as	ADP
bjmsr-2306	53	4	an	an	DET
bjmsr-2306	53	5	essential	essential	ADJ
bjmsr-2306	53	6	source	source	NOUN
bjmsr-2306	53	7	of	of	ADP
bjmsr-2306	53	8	data	datum	NOUN
bjmsr-2306	53	9	for	for	ADP
bjmsr-2306	53	10	investors	investor	NOUN
bjmsr-2306	53	11	,	,	PUNCT
bjmsr-2306	53	12	enabling	enable	VERB
bjmsr-2306	53	13	them	they	PRON
bjmsr-2306	53	14	to	to	PART
bjmsr-2306	53	15	assess	assess	VERB
bjmsr-2306	53	16	the	the	DET
bjmsr-2306	53	17	financial	financial	ADJ
bjmsr-2306	53	18	health	health	NOUN
bjmsr-2306	53	19	of	of	ADP
bjmsr-2306	53	20	companies	company	NOUN
bjmsr-2306	53	21	and	and	CCONJ
bjmsr-2306	53	22	make	make	VERB
bjmsr-2306	53	23	informed	informed	ADJ
bjmsr-2306	53	24	decisions	decision	NOUN
bjmsr-2306	53	25	.	.	PUNCT
bjmsr-2306	54	1	investors	investor	NOUN
bjmsr-2306	54	2	depend	depend	VERB
bjmsr-2306	54	3	on	on	ADP
bjmsr-2306	54	4	accounting	account	VERB
bjmsr-2306	54	5	information	information	NOUN
bjmsr-2306	54	6	to	to	PART
bjmsr-2306	54	7	evaluate	evaluate	VERB
bjmsr-2306	54	8	the	the	DET
bjmsr-2306	54	9	performance	performance	NOUN
bjmsr-2306	54	10	and	and	CCONJ
bjmsr-2306	54	11	risk	risk	NOUN
bjmsr-2306	54	12	associated	associate	VERB
bjmsr-2306	54	13	with	with	ADP
bjmsr-2306	54	14	their	their	PRON
bjmsr-2306	54	15	investments	investment	NOUN
bjmsr-2306	54	16	.	.	PUNCT
bjmsr-2306	55	1	high	high	ADJ
bjmsr-2306	55	2	-	-	PUNCT
bjmsr-2306	55	3	quality	quality	NOUN
bjmsr-2306	55	4	accounting	accounting	NOUN
bjmsr-2306	55	5	information	information	NOUN
bjmsr-2306	55	6	contributes	contribute	VERB
bjmsr-2306	55	7	to	to	ADP
bjmsr-2306	55	8	market	market	NOUN
bjmsr-2306	55	9	efficiency	efficiency	NOUN
bjmsr-2306	55	10	by	by	ADP
bjmsr-2306	55	11	reducing	reduce	VERB
bjmsr-2306	55	12	informational	informational	ADJ
bjmsr-2306	55	13	asymmetry	asymmetry	NOUN
bjmsr-2306	55	14	and	and	CCONJ
bjmsr-2306	55	15	enhancing	enhance	VERB
bjmsr-2306	55	16	investor	investor	NOUN
bjmsr-2306	55	17	confidence	confidence	NOUN
bjmsr-2306	55	18	.	.	PUNCT
bjmsr-2306	56	1	research	research	NOUN
bjmsr-2306	56	2	has	have	AUX
bjmsr-2306	56	3	indicated	indicate	VERB
bjmsr-2306	56	4	that	that	SCONJ
bjmsr-2306	56	5	investors	investor	NOUN
bjmsr-2306	56	6	with	with	ADP
bjmsr-2306	56	7	knowledge	knowledge	NOUN
bjmsr-2306	56	8	of	of	ADP
bjmsr-2306	56	9	accounting	accounting	NOUN
bjmsr-2306	56	10	principles	principle	NOUN
bjmsr-2306	56	11	are	be	AUX
bjmsr-2306	56	12	more	more	ADV
bjmsr-2306	56	13	likely	likely	ADJ
bjmsr-2306	56	14	to	to	PART
bjmsr-2306	56	15	accurately	accurately	ADV
bjmsr-2306	56	16	interpret	interpret	VERB
bjmsr-2306	56	17	financial	financial	ADJ
bjmsr-2306	56	18	statements	statement	NOUN
bjmsr-2306	56	19	and	and	CCONJ
bjmsr-2306	56	20	make	make	VERB
bjmsr-2306	56	21	informed	informed	ADJ
bjmsr-2306	56	22	investment	investment	NOUN
bjmsr-2306	56	23	decisions	decision	NOUN
bjmsr-2306	56	24	(	(	PUNCT
bjmsr-2306	56	25	yuan	yuan	NOUN
bjmsr-2306	56	26	et	et	NOUN
bjmsr-2306	56	27	al	al	PROPN
bjmsr-2306	56	28	.	.	PROPN
bjmsr-2306	56	29	,	,	PUNCT
bjmsr-2306	56	30	2022	2022	NUM
bjmsr-2306	56	31	)	)	PUNCT
bjmsr-2306	56	32	.	.	PUNCT
bjmsr-2306	57	1	this	this	DET
bjmsr-2306	57	2	knowledge	knowledge	NOUN
bjmsr-2306	57	3	is	be	AUX
bjmsr-2306	57	4	fundamental	fundamental	ADJ
bjmsr-2306	57	5	in	in	ADP
bjmsr-2306	57	6	the	the	DET
bjmsr-2306	57	7	context	context	NOUN
bjmsr-2306	57	8	of	of	ADP
bjmsr-2306	57	9	fintech	fintech	NOUN
bjmsr-2306	57	10	,	,	PUNCT
bjmsr-2306	57	11	where	where	SCONJ
bjmsr-2306	57	12	investors	investor	NOUN
bjmsr-2306	57	13	heavily	heavily	ADV
bjmsr-2306	57	14	rely	rely	VERB
bjmsr-2306	57	15	on	on	ADP
bjmsr-2306	57	16	digital	digital	ADJ
bjmsr-2306	57	17	platforms	platform	NOUN
bjmsr-2306	57	18	to	to	PART
bjmsr-2306	57	19	access	access	VERB
bjmsr-2306	57	20	financial	financial	ADJ
bjmsr-2306	57	21	information	information	NOUN
bjmsr-2306	57	22	.	.	PUNCT
bjmsr-2306	58	1	fintech	fintech	NOUN
bjmsr-2306	58	2	exposure	exposure	NOUN
bjmsr-2306	58	3	financial	financial	ADJ
bjmsr-2306	58	4	technology	technology	NOUN
bjmsr-2306	58	5	(	(	PUNCT
bjmsr-2306	58	6	fintech	fintech	NOUN
bjmsr-2306	58	7	)	)	PUNCT
bjmsr-2306	58	8	encompasses	encompass	VERB
bjmsr-2306	58	9	technological	technological	ADJ
bjmsr-2306	58	10	innovations	innovation	NOUN
bjmsr-2306	58	11	that	that	PRON
bjmsr-2306	58	12	aim	aim	VERB
bjmsr-2306	58	13	to	to	PART
bjmsr-2306	58	14	challenge	challenge	VERB
bjmsr-2306	58	15	traditional	traditional	ADJ
bjmsr-2306	58	16	financial	financial	ADJ
bjmsr-2306	58	17	approaches	approach	NOUN
bjmsr-2306	58	18	in	in	ADP
bjmsr-2306	58	19	delivering	deliver	VERB
bjmsr-2306	58	20	financial	financial	ADJ
bjmsr-2306	58	21	services	service	NOUN
bjmsr-2306	58	22	.	.	PUNCT
bjmsr-2306	59	1	it	it	PRON
bjmsr-2306	59	2	includes	include	VERB
bjmsr-2306	59	3	applications	application	NOUN
bjmsr-2306	59	4	such	such	ADJ
bjmsr-2306	59	5	as	as	ADP
bjmsr-2306	59	6	mobile	mobile	ADJ
bjmsr-2306	59	7	banking	banking	NOUN
bjmsr-2306	59	8	and	and	CCONJ
bjmsr-2306	59	9	blockchain	blockchain	PROPN
bjmsr-2306	59	10	technology	technology	PROPN
bjmsr-2306	59	11	(	(	PUNCT
bjmsr-2306	59	12	arner	arner	NOUN
bjmsr-2306	59	13	et	et	PROPN
bjmsr-2306	59	14	al	al	PROPN
bjmsr-2306	59	15	.	.	PROPN
bjmsr-2306	59	16	,	,	PUNCT
bjmsr-2306	59	17	2016	2016	NUM
bjmsr-2306	59	18	)	)	PUNCT
bjmsr-2306	59	19	.	.	PUNCT
bjmsr-2306	60	1	fintech	fintech	NOUN
bjmsr-2306	60	2	has	have	AUX
bjmsr-2306	60	3	made	make	VERB
bjmsr-2306	60	4	financial	financial	ADJ
bjmsr-2306	60	5	services	service	NOUN
bjmsr-2306	60	6	more	more	ADV
bjmsr-2306	60	7	accessible	accessible	ADJ
bjmsr-2306	60	8	and	and	CCONJ
bjmsr-2306	60	9	efficient	efficient	ADJ
bjmsr-2306	60	10	,	,	PUNCT
bjmsr-2306	60	11	particularly	particularly	ADV
bjmsr-2306	60	12	for	for	ADP
bjmsr-2306	60	13	retail	retail	ADJ
bjmsr-2306	60	14	investors	investor	NOUN
bjmsr-2306	60	15	.	.	PUNCT
bjmsr-2306	61	1	the	the	DET
bjmsr-2306	61	2	rise	rise	NOUN
bjmsr-2306	61	3	of	of	ADP
bjmsr-2306	61	4	fintech	fintech	NOUN
bjmsr-2306	61	5	has	have	AUX
bjmsr-2306	61	6	transformed	transform	VERB
bjmsr-2306	61	7	investment	investment	NOUN
bjmsr-2306	61	8	strategies	strategy	NOUN
bjmsr-2306	61	9	,	,	PUNCT
bjmsr-2306	61	10	enabling	enable	VERB
bjmsr-2306	61	11	individuals	individual	NOUN
bjmsr-2306	61	12	to	to	PART
bjmsr-2306	61	13	use	use	VERB
bjmsr-2306	61	14	innovative	innovative	ADJ
bjmsr-2306	61	15	tools	tool	NOUN
bjmsr-2306	61	16	and	and	CCONJ
bjmsr-2306	61	17	platforms	platform	NOUN
bjmsr-2306	61	18	to	to	PART
bjmsr-2306	61	19	manage	manage	VERB
bjmsr-2306	61	20	their	their	PRON
bjmsr-2306	61	21	investments	investment	NOUN
bjmsr-2306	61	22	.	.	PUNCT
bjmsr-2306	62	1	according	accord	VERB
bjmsr-2306	62	2	to	to	PART
bjmsr-2306	62	3	arner	arner	VERB
bjmsr-2306	62	4	et	et	PROPN
bjmsr-2306	62	5	al	al	PROPN
bjmsr-2306	62	6	.	.	PUNCT
bjmsr-2306	63	1	(	(	PUNCT
bjmsr-2306	63	2	2016	2016	NUM
bjmsr-2306	63	3	)	)	PUNCT
bjmsr-2306	63	4	,	,	PUNCT
bjmsr-2306	63	5	fintech	fintech	NOUN
bjmsr-2306	63	6	enhances	enhance	VERB
bjmsr-2306	63	7	user	user	NOUN
bjmsr-2306	63	8	-	-	PUNCT
bjmsr-2306	63	9	friendliness	friendliness	NOUN
bjmsr-2306	63	10	and	and	CCONJ
bjmsr-2306	63	11	competency	competency	NOUN
bjmsr-2306	63	12	in	in	ADP
bjmsr-2306	63	13	financial	financial	ADJ
bjmsr-2306	63	14	markets	market	NOUN
bjmsr-2306	63	15	,	,	PUNCT
bjmsr-2306	63	16	allowing	allow	VERB
bjmsr-2306	63	17	investors	investor	NOUN
bjmsr-2306	63	18	to	to	PART
bjmsr-2306	63	19	make	make	VERB
bjmsr-2306	63	20	faster	fast	ADV
bjmsr-2306	63	21	and	and	CCONJ
bjmsr-2306	63	22	more	more	ADV
bjmsr-2306	63	23	informed	informed	ADJ
bjmsr-2306	63	24	decisions	decision	NOUN
bjmsr-2306	63	25	.	.	PUNCT
bjmsr-2306	64	1	however	however	ADV
bjmsr-2306	64	2	,	,	PUNCT
bjmsr-2306	64	3	the	the	DET
bjmsr-2306	64	4	effectiveness	effectiveness	NOUN
bjmsr-2306	64	5	of	of	ADP
bjmsr-2306	64	6	fintech	fintech	NOUN
bjmsr-2306	64	7	tools	tool	NOUN
bjmsr-2306	64	8	often	often	ADV
bjmsr-2306	64	9	depends	depend	VERB
bjmsr-2306	64	10	on	on	ADP
bjmsr-2306	64	11	the	the	DET
bjmsr-2306	64	12	investor	investor	NOUN
bjmsr-2306	64	13	's	's	PART
bjmsr-2306	64	14	financial	financial	ADJ
bjmsr-2306	64	15	knowledge	knowledge	NOUN
bjmsr-2306	64	16	and	and	CCONJ
bjmsr-2306	64	17	technological	technological	ADJ
bjmsr-2306	64	18	literacy	literacy	NOUN
bjmsr-2306	64	19	(	(	PUNCT
bjmsr-2306	64	20	zavolokina	zavolokina	X
bjmsr-2306	64	21	et	et	PROPN
bjmsr-2306	64	22	al	al	PROPN
bjmsr-2306	64	23	.	.	PROPN
bjmsr-2306	64	24	,	,	PUNCT
bjmsr-2306	64	25	2016	2016	NUM
bjmsr-2306	64	26	)	)	PUNCT
bjmsr-2306	64	27	.	.	PUNCT
bjmsr-2306	65	1	a	a	DET
bjmsr-2306	65	2	study	study	NOUN
bjmsr-2306	65	3	identified	identify	VERB
bjmsr-2306	65	4	that	that	SCONJ
bjmsr-2306	65	5	financially	financially	ADV
bjmsr-2306	65	6	literate	literate	ADJ
bjmsr-2306	65	7	individuals	individual	NOUN
bjmsr-2306	65	8	are	be	AUX
bjmsr-2306	65	9	more	more	ADV
bjmsr-2306	65	10	likely	likely	ADJ
bjmsr-2306	65	11	to	to	PART
bjmsr-2306	65	12	adopt	adopt	VERB
bjmsr-2306	65	13	fintech	fintech	NOUN
bjmsr-2306	65	14	solutions	solution	NOUN
bjmsr-2306	65	15	,	,	PUNCT
bjmsr-2306	65	16	leading	lead	VERB
bjmsr-2306	65	17	to	to	ADP
bjmsr-2306	65	18	increased	increase	VERB
bjmsr-2306	65	19	investment	investment	NOUN
bjmsr-2306	65	20	activity	activity	NOUN
bjmsr-2306	65	21	.	.	PUNCT
bjmsr-2306	66	1	additionally	additionally	ADV
bjmsr-2306	66	2	,	,	PUNCT
bjmsr-2306	66	3	fintech	fintech	NOUN
bjmsr-2306	66	4	exposure	exposure	NOUN
bjmsr-2306	66	5	can	can	AUX
bjmsr-2306	66	6	broaden	broaden	VERB
bjmsr-2306	66	7	investors	investor	NOUN
bjmsr-2306	66	8	'	'	PART
bjmsr-2306	66	9	understanding	understanding	NOUN
bjmsr-2306	66	10	of	of	ADP
bjmsr-2306	66	11	various	various	ADJ
bjmsr-2306	66	12	investment	investment	NOUN
bjmsr-2306	66	13	opportunities	opportunity	NOUN
bjmsr-2306	66	14	,	,	PUNCT
bjmsr-2306	66	15	thereby	thereby	ADV
bjmsr-2306	66	16	fostering	foster	VERB
bjmsr-2306	66	17	more	more	ADV
bjmsr-2306	66	18	informed	informed	ADJ
bjmsr-2306	66	19	decision	decision	NOUN
bjmsr-2306	66	20	-	-	PUNCT
bjmsr-2306	66	21	making	making	NOUN
bjmsr-2306	66	22	.	.	PUNCT
bjmsr-2306	67	1	the	the	DET
bjmsr-2306	67	2	interplay	interplay	NOUN
bjmsr-2306	67	3	between	between	ADP
bjmsr-2306	67	4	investor	investor	NOUN
bjmsr-2306	67	5	psychology	psychology	NOUN
bjmsr-2306	67	6	,	,	PUNCT
bjmsr-2306	67	7	accounting	accounting	NOUN
bjmsr-2306	67	8	information	information	NOUN
bjmsr-2306	67	9	,	,	PUNCT
bjmsr-2306	67	10	and	and	CCONJ
bjmsr-2306	67	11	fintech	fintech	NOUN
bjmsr-2306	67	12	exposure	exposure	NOUN
bjmsr-2306	67	13	is	be	AUX
bjmsr-2306	67	14	critical	critical	ADJ
bjmsr-2306	67	15	in	in	ADP
bjmsr-2306	67	16	understanding	understand	VERB
bjmsr-2306	67	17	investment	investment	NOUN
bjmsr-2306	67	18	decisions	decision	NOUN
bjmsr-2306	67	19	.	.	PUNCT
bjmsr-2306	68	1	these	these	DET
bjmsr-2306	68	2	factors	factor	NOUN
bjmsr-2306	68	3	are	be	AUX
bjmsr-2306	68	4	interconnected	interconnect	VERB
bjmsr-2306	68	5	and	and	CCONJ
bjmsr-2306	68	6	can	can	AUX
bjmsr-2306	68	7	influence	influence	VERB
bjmsr-2306	68	8	one	one	NUM
bjmsr-2306	68	9	another	another	DET
bjmsr-2306	68	10	(	(	PUNCT
bjmsr-2306	68	11	alaaraj	alaaraj	PROPN
bjmsr-2306	68	12	&	&	CCONJ
bjmsr-2306	68	13	bakri	bakri	PROPN
bjmsr-2306	68	14	,	,	PUNCT
bjmsr-2306	68	15	2020	2020	NUM
bjmsr-2306	68	16	)	)	PUNCT
bjmsr-2306	68	17	.	.	PUNCT
bjmsr-2306	69	1	for	for	ADP
bjmsr-2306	69	2	instance	instance	NOUN
bjmsr-2306	69	3	,	,	PUNCT
bjmsr-2306	69	4	a	a	DET
bjmsr-2306	69	5	better	well	ADJ
bjmsr-2306	69	6	understanding	understanding	NOUN
bjmsr-2306	69	7	of	of	ADP
bjmsr-2306	69	8	accounting	accounting	NOUN
bjmsr-2306	69	9	principles	principle	NOUN
bjmsr-2306	69	10	can	can	AUX
bjmsr-2306	69	11	reduce	reduce	VERB
bjmsr-2306	69	12	the	the	DET
bjmsr-2306	69	13	adverse	adverse	ADJ
bjmsr-2306	69	14	effects	effect	NOUN
bjmsr-2306	69	15	of	of	ADP
bjmsr-2306	69	16	psychological	psychological	ADJ
bjmsr-2306	69	17	biases	bias	NOUN
bjmsr-2306	69	18	,	,	PUNCT
bjmsr-2306	69	19	leading	lead	VERB
bjmsr-2306	69	20	to	to	ADP
bjmsr-2306	69	21	more	more	ADV
bjmsr-2306	69	22	rational	rational	ADJ
bjmsr-2306	69	23	investment	investment	NOUN
bjmsr-2306	69	24	decisions	decision	NOUN
bjmsr-2306	69	25	.	.	PUNCT
bjmsr-2306	70	1	additionally	additionally	ADV
bjmsr-2306	70	2	,	,	PUNCT
bjmsr-2306	70	3	the	the	DET
bjmsr-2306	70	4	availability	availability	NOUN
bjmsr-2306	70	5	of	of	ADP
bjmsr-2306	70	6	reliable	reliable	ADJ
bjmsr-2306	70	7	accounting	accounting	NOUN
bjmsr-2306	70	8	information	information	NOUN
bjmsr-2306	70	9	through	through	ADP
bjmsr-2306	70	10	fintech	fintech	NOUN
bjmsr-2306	70	11	platforms	platform	NOUN
bjmsr-2306	70	12	can	can	AUX
bjmsr-2306	70	13	enhance	enhance	VERB
bjmsr-2306	70	14	financial	financial	ADJ
bjmsr-2306	70	15	literacy	literacy	NOUN
bjmsr-2306	70	16	and	and	CCONJ
bjmsr-2306	70	17	promote	promote	VERB
bjmsr-2306	70	18	better	well	ADJ
bjmsr-2306	70	19	investment	investment	NOUN
bjmsr-2306	70	20	practices	practice	NOUN
bjmsr-2306	70	21	.	.	PUNCT
bjmsr-2306	71	1	investment	investment	NOUN
bjmsr-2306	71	2	interest	interest	NOUN
bjmsr-2306	71	3	investment	investment	NOUN
bjmsr-2306	71	4	interest	interest	NOUN
bjmsr-2306	71	5	refers	refer	VERB
bjmsr-2306	71	6	to	to	ADP
bjmsr-2306	71	7	an	an	DET
bjmsr-2306	71	8	individual	individual	NOUN
bjmsr-2306	71	9	's	's	PART
bjmsr-2306	71	10	attention	attention	NOUN
bjmsr-2306	71	11	and	and	CCONJ
bjmsr-2306	71	12	willingness	willingness	NOUN
bjmsr-2306	71	13	to	to	PART
bjmsr-2306	71	14	invest	invest	VERB
bjmsr-2306	71	15	in	in	ADP
bjmsr-2306	71	16	different	different	ADJ
bjmsr-2306	71	17	financial	financial	ADJ
bjmsr-2306	71	18	instruments	instrument	NOUN
bjmsr-2306	71	19	.	.	PUNCT
bjmsr-2306	72	1	it	it	PRON
bjmsr-2306	72	2	encompasses	encompass	VERB
bjmsr-2306	72	3	the	the	DET
bjmsr-2306	72	4	emotional	emotional	ADJ
bjmsr-2306	72	5	and	and	CCONJ
bjmsr-2306	72	6	motivational	motivational	ADJ
bjmsr-2306	72	7	aspects	aspect	NOUN
bjmsr-2306	72	8	that	that	PRON
bjmsr-2306	72	9	drive	drive	VERB
bjmsr-2306	72	10	an	an	DET
bjmsr-2306	72	11	individual	individual	NOUN
bjmsr-2306	72	12	's	's	PART
bjmsr-2306	72	13	investment	investment	NOUN
bjmsr-2306	72	14	readiness	readiness	NOUN
bjmsr-2306	72	15	.	.	PUNCT
bjmsr-2306	73	1	studies	study	NOUN
bjmsr-2306	73	2	show	show	VERB
bjmsr-2306	73	3	that	that	SCONJ
bjmsr-2306	73	4	investment	investment	NOUN
bjmsr-2306	73	5	interest	interest	NOUN
bjmsr-2306	73	6	is	be	AUX
bjmsr-2306	73	7	influenced	influence	VERB
bjmsr-2306	73	8	by	by	ADP
bjmsr-2306	73	9	various	various	ADJ
bjmsr-2306	73	10	factors	factor	NOUN
bjmsr-2306	73	11	,	,	PUNCT
bjmsr-2306	73	12	including	include	VERB
bjmsr-2306	73	13	personal	personal	ADJ
bjmsr-2306	73	14	goals	goal	NOUN
bjmsr-2306	73	15	,	,	PUNCT
bjmsr-2306	73	16	societal	societal	ADJ
bjmsr-2306	73	17	influences	influence	NOUN
bjmsr-2306	73	18	,	,	PUNCT
bjmsr-2306	73	19	risk	risk	NOUN
bjmsr-2306	73	20	tolerance	tolerance	NOUN
bjmsr-2306	73	21	,	,	PUNCT
bjmsr-2306	73	22	and	and	CCONJ
bjmsr-2306	73	23	external	external	ADJ
bjmsr-2306	73	24	market	market	NOUN
bjmsr-2306	73	25	conditions	condition	NOUN
bjmsr-2306	73	26	(	(	PUNCT
bjmsr-2306	73	27	riedl	riedl	PROPN
bjmsr-2306	73	28	&	&	CCONJ
bjmsr-2306	73	29	smeets	smeet	NOUN
bjmsr-2306	73	30	,	,	PUNCT
bjmsr-2306	73	31	2017	2017	NUM
bjmsr-2306	73	32	)	)	PUNCT
bjmsr-2306	73	33	.	.	PUNCT
bjmsr-2306	74	1	this	this	PRON
bjmsr-2306	74	2	highlights	highlight	VERB
bjmsr-2306	74	3	the	the	DET
bjmsr-2306	74	4	importance	importance	NOUN
bjmsr-2306	74	5	of	of	ADP
bjmsr-2306	74	6	studying	study	VERB
bjmsr-2306	74	7	how	how	SCONJ
bjmsr-2306	74	8	external	external	ADJ
bjmsr-2306	74	9	factors	factor	NOUN
bjmsr-2306	74	10	influence	influence	VERB
bjmsr-2306	74	11	individual	individual	ADJ
bjmsr-2306	74	12	perspectives	perspective	NOUN
bjmsr-2306	74	13	and	and	CCONJ
bjmsr-2306	74	14	behaviors	behavior	NOUN
bjmsr-2306	74	15	within	within	ADP
bjmsr-2306	74	16	the	the	DET
bjmsr-2306	74	17	investment	investment	NOUN
bjmsr-2306	74	18	context	context	NOUN
bjmsr-2306	74	19	.	.	PUNCT
bjmsr-2306	75	1	zaheeruddin	zaheeruddin	PROPN
bjmsr-2306	75	2	&	&	CCONJ
bjmsr-2306	75	3	kumar	kumar	PROPN
bjmsr-2306	75	4	,	,	PUNCT
bjmsr-2306	75	5	bangladesh	bangladesh	PROPN
bjmsr-2306	75	6	journal	journal	NOUN
bjmsr-2306	75	7	of	of	ADP
bjmsr-2306	75	8	multidisciplinary	multidisciplinary	ADJ
bjmsr-2306	75	9	scientific	scientific	ADJ
bjmsr-2306	75	10	research	research	NOUN
bjmsr-2306	75	11	10(2	10(2	NUM
bjmsr-2306	75	12	)	)	PUNCT
bjmsr-2306	75	13	(	(	PUNCT
bjmsr-2306	75	14	2025	2025	NUM
bjmsr-2306	75	15	)	)	PUNCT
bjmsr-2306	75	16	,	,	PUNCT
bjmsr-2306	75	17	12	12	NUM
bjmsr-2306	75	18	-	-	SYM
bjmsr-2306	75	19	20	20	NUM
bjmsr-2306	75	20	14	14	NUM
bjmsr-2306	75	21	investment	investment	NOUN
bjmsr-2306	75	22	decision	decision	NOUN
bjmsr-2306	75	23	-	-	PUNCT
bjmsr-2306	75	24	making	make	VERB
bjmsr-2306	75	25	investment	investment	NOUN
bjmsr-2306	75	26	decision	decision	NOUN
bjmsr-2306	75	27	-	-	PUNCT
bjmsr-2306	75	28	making	making	NOUN
bjmsr-2306	75	29	refers	refer	NOUN
bjmsr-2306	75	30	to	to	ADP
bjmsr-2306	75	31	the	the	DET
bjmsr-2306	75	32	process	process	NOUN
bjmsr-2306	75	33	by	by	ADP
bjmsr-2306	75	34	which	which	PRON
bjmsr-2306	75	35	individuals	individual	NOUN
bjmsr-2306	75	36	select	select	VERB
bjmsr-2306	75	37	various	various	ADJ
bjmsr-2306	75	38	investment	investment	NOUN
bjmsr-2306	75	39	options	option	NOUN
bjmsr-2306	75	40	based	base	VERB
bjmsr-2306	75	41	on	on	ADP
bjmsr-2306	75	42	their	their	PRON
bjmsr-2306	75	43	financial	financial	ADJ
bjmsr-2306	75	44	objectives	objective	NOUN
bjmsr-2306	75	45	,	,	PUNCT
bjmsr-2306	75	46	risk	risk	NOUN
bjmsr-2306	75	47	tolerance	tolerance	NOUN
bjmsr-2306	75	48	,	,	PUNCT
bjmsr-2306	75	49	and	and	CCONJ
bjmsr-2306	75	50	available	available	ADJ
bjmsr-2306	75	51	information	information	NOUN
bjmsr-2306	75	52	.	.	PUNCT
bjmsr-2306	76	1	investment	investment	NOUN
bjmsr-2306	76	2	decision	decision	NOUN
bjmsr-2306	76	3	-	-	PUNCT
bjmsr-2306	76	4	making	making	NOUN
bjmsr-2306	76	5	is	be	AUX
bjmsr-2306	76	6	influenced	influence	VERB
bjmsr-2306	76	7	by	by	ADP
bjmsr-2306	76	8	both	both	PRON
bjmsr-2306	76	9	rational	rational	ADJ
bjmsr-2306	76	10	analysis	analysis	NOUN
bjmsr-2306	76	11	and	and	CCONJ
bjmsr-2306	76	12	emotional	emotional	ADJ
bjmsr-2306	76	13	factors	factor	NOUN
bjmsr-2306	76	14	,	,	PUNCT
bjmsr-2306	76	15	leading	lead	VERB
bjmsr-2306	76	16	to	to	ADP
bjmsr-2306	76	17	diverse	diverse	VERB
bjmsr-2306	76	18	outcomes	outcome	NOUN
bjmsr-2306	76	19	(	(	PUNCT
bjmsr-2306	76	20	hirshleifer	hirshleifer	NOUN
bjmsr-2306	76	21	,	,	PUNCT
bjmsr-2306	76	22	2001	2001	NUM
bjmsr-2306	76	23	)	)	PUNCT
bjmsr-2306	76	24	.	.	PUNCT
bjmsr-2306	77	1	behavioral	behavioral	ADJ
bjmsr-2306	77	2	decision	decision	NOUN
bjmsr-2306	77	3	theory	theory	NOUN
bjmsr-2306	77	4	suggests	suggest	VERB
bjmsr-2306	77	5	that	that	SCONJ
bjmsr-2306	77	6	individuals	individual	NOUN
bjmsr-2306	77	7	often	often	ADV
bjmsr-2306	77	8	rely	rely	VERB
bjmsr-2306	77	9	on	on	ADP
bjmsr-2306	77	10	simplified	simplified	ADJ
bjmsr-2306	77	11	models	model	NOUN
bjmsr-2306	77	12	to	to	PART
bjmsr-2306	77	13	make	make	VERB
bjmsr-2306	77	14	decisions	decision	NOUN
bjmsr-2306	77	15	,	,	PUNCT
bjmsr-2306	77	16	which	which	PRON
bjmsr-2306	77	17	can	can	AUX
bjmsr-2306	77	18	result	result	VERB
bjmsr-2306	77	19	in	in	ADP
bjmsr-2306	77	20	bias	bias	NOUN
bjmsr-2306	77	21	(	(	PUNCT
bjmsr-2306	77	22	simon	simon	PROPN
bjmsr-2306	77	23	,	,	PUNCT
bjmsr-2306	77	24	1979	1979	NUM
bjmsr-2306	77	25	)	)	PUNCT
bjmsr-2306	77	26	.	.	PUNCT
bjmsr-2306	78	1	understanding	understand	VERB
bjmsr-2306	78	2	these	these	DET
bjmsr-2306	78	3	decision	decision	NOUN
bjmsr-2306	78	4	-	-	PUNCT
bjmsr-2306	78	5	making	make	VERB
bjmsr-2306	78	6	frameworks	framework	NOUN
bjmsr-2306	78	7	can	can	AUX
bjmsr-2306	78	8	provide	provide	VERB
bjmsr-2306	78	9	insight	insight	NOUN
bjmsr-2306	78	10	into	into	ADP
bjmsr-2306	78	11	why	why	SCONJ
bjmsr-2306	78	12	individuals	individual	NOUN
bjmsr-2306	78	13	often	often	ADV
bjmsr-2306	78	14	deviate	deviate	VERB
bjmsr-2306	78	15	from	from	ADP
bjmsr-2306	78	16	optimal	optimal	ADJ
bjmsr-2306	78	17	decision	decision	NOUN
bjmsr-2306	78	18	-	-	PUNCT
bjmsr-2306	78	19	making	making	NOUN
bjmsr-2306	78	20	.	.	PUNCT
bjmsr-2306	79	1	theoretical	theoretical	ADJ
bjmsr-2306	79	2	framework	framework	NOUN
bjmsr-2306	79	3	behavioral	behavioral	ADJ
bjmsr-2306	79	4	finance	finance	NOUN
bjmsr-2306	79	5	theory	theory	NOUN
bjmsr-2306	79	6	behavioral	behavioral	ADJ
bjmsr-2306	79	7	finance	finance	NOUN
bjmsr-2306	79	8	theory	theory	NOUN
bjmsr-2306	79	9	examines	examine	VERB
bjmsr-2306	79	10	the	the	DET
bjmsr-2306	79	11	psychological	psychological	ADJ
bjmsr-2306	79	12	factors	factor	NOUN
bjmsr-2306	79	13	influencing	influence	VERB
bjmsr-2306	79	14	investors	investor	NOUN
bjmsr-2306	79	15	during	during	ADP
bjmsr-2306	79	16	their	their	PRON
bjmsr-2306	79	17	investment	investment	NOUN
bjmsr-2306	79	18	appraisal	appraisal	NOUN
bjmsr-2306	79	19	process	process	NOUN
bjmsr-2306	79	20	.	.	PUNCT
bjmsr-2306	80	1	it	it	PRON
bjmsr-2306	80	2	suggests	suggest	VERB
bjmsr-2306	80	3	that	that	SCONJ
bjmsr-2306	80	4	investors	investor	NOUN
bjmsr-2306	80	5	are	be	AUX
bjmsr-2306	80	6	not	not	PART
bjmsr-2306	80	7	always	always	ADV
bjmsr-2306	80	8	rational	rational	ADJ
bjmsr-2306	80	9	and	and	CCONJ
bjmsr-2306	80	10	are	be	AUX
bjmsr-2306	80	11	often	often	ADV
bjmsr-2306	80	12	influenced	influence	VERB
bjmsr-2306	80	13	by	by	ADP
bjmsr-2306	80	14	emotions	emotion	NOUN
bjmsr-2306	80	15	,	,	PUNCT
bjmsr-2306	80	16	cognitive	cognitive	ADJ
bjmsr-2306	80	17	biases	bias	NOUN
bjmsr-2306	80	18	,	,	PUNCT
bjmsr-2306	80	19	heuristics	heuristic	NOUN
bjmsr-2306	80	20	,	,	PUNCT
bjmsr-2306	80	21	and	and	CCONJ
bjmsr-2306	80	22	social	social	ADJ
bjmsr-2306	80	23	factors	factor	NOUN
bjmsr-2306	80	24	.	.	PUNCT
bjmsr-2306	81	1	cognitive	cognitive	ADJ
bjmsr-2306	81	2	biases	bias	NOUN
bjmsr-2306	81	3	such	such	ADJ
bjmsr-2306	81	4	as	as	ADP
bjmsr-2306	81	5	overconfidence	overconfidence	NOUN
bjmsr-2306	81	6	,	,	PUNCT
bjmsr-2306	81	7	loss	loss	NOUN
bjmsr-2306	81	8	aversion	aversion	NOUN
bjmsr-2306	81	9	,	,	PUNCT
bjmsr-2306	81	10	and	and	CCONJ
bjmsr-2306	81	11	anchoring	anchoring	NOUN
bjmsr-2306	81	12	may	may	AUX
bjmsr-2306	81	13	lead	lead	VERB
bjmsr-2306	81	14	to	to	ADP
bjmsr-2306	81	15	suboptimal	suboptimal	ADJ
bjmsr-2306	81	16	investment	investment	NOUN
bjmsr-2306	81	17	choices	choice	NOUN
bjmsr-2306	81	18	.	.	PUNCT
bjmsr-2306	82	1	emotions	emotion	NOUN
bjmsr-2306	82	2	like	like	ADP
bjmsr-2306	82	3	anxiety	anxiety	NOUN
bjmsr-2306	82	4	,	,	PUNCT
bjmsr-2306	82	5	greed	greed	NOUN
bjmsr-2306	82	6	,	,	PUNCT
bjmsr-2306	82	7	and	and	CCONJ
bjmsr-2306	82	8	over	over	ADP
bjmsr-2306	82	9	-	-	PUNCT
bjmsr-2306	82	10	excitement	excitement	NOUN
bjmsr-2306	82	11	affect	affect	VERB
bjmsr-2306	82	12	investment	investment	NOUN
bjmsr-2306	82	13	behavior	behavior	NOUN
bjmsr-2306	82	14	.	.	PUNCT
bjmsr-2306	83	1	psychological	psychological	ADJ
bjmsr-2306	83	2	shortcuts	shortcut	NOUN
bjmsr-2306	83	3	are	be	AUX
bjmsr-2306	83	4	used	use	VERB
bjmsr-2306	83	5	in	in	ADP
bjmsr-2306	83	6	decision	decision	NOUN
bjmsr-2306	83	7	-	-	PUNCT
bjmsr-2306	83	8	making	making	NOUN
bjmsr-2306	83	9	,	,	PUNCT
bjmsr-2306	83	10	which	which	PRON
bjmsr-2306	83	11	can	can	AUX
bjmsr-2306	83	12	result	result	VERB
bjmsr-2306	83	13	in	in	ADP
bjmsr-2306	83	14	systematic	systematic	ADJ
bjmsr-2306	83	15	errors	error	NOUN
bjmsr-2306	83	16	.	.	PUNCT
bjmsr-2306	84	1	in	in	ADP
bjmsr-2306	84	2	this	this	DET
bjmsr-2306	84	3	study	study	NOUN
bjmsr-2306	84	4	,	,	PUNCT
bjmsr-2306	84	5	investor	investor	NOUN
bjmsr-2306	84	6	psychology	psychology	NOUN
bjmsr-2306	84	7	plays	play	VERB
bjmsr-2306	84	8	a	a	DET
bjmsr-2306	84	9	central	central	ADJ
bjmsr-2306	84	10	role	role	NOUN
bjmsr-2306	84	11	in	in	ADP
bjmsr-2306	84	12	interpreting	interpret	VERB
bjmsr-2306	84	13	accounting	accounting	NOUN
bjmsr-2306	84	14	information	information	NOUN
bjmsr-2306	84	15	and	and	CCONJ
bjmsr-2306	84	16	fintech	fintech	NOUN
bjmsr-2306	84	17	literacy	literacy	NOUN
bjmsr-2306	84	18	,	,	PUNCT
bjmsr-2306	84	19	which	which	PRON
bjmsr-2306	84	20	ultimately	ultimately	ADV
bjmsr-2306	84	21	impacts	impact	VERB
bjmsr-2306	84	22	investment	investment	NOUN
bjmsr-2306	84	23	decisions	decision	NOUN
bjmsr-2306	84	24	.	.	PUNCT
bjmsr-2306	85	1	accounting	account	VERB
bjmsr-2306	85	2	information	information	NOUN
bjmsr-2306	85	3	and	and	CCONJ
bjmsr-2306	85	4	investment	investment	NOUN
bjmsr-2306	85	5	decisions	decision	NOUN
bjmsr-2306	85	6	accounting	accounting	NOUN
bjmsr-2306	85	7	information	information	NOUN
bjmsr-2306	85	8	is	be	AUX
bjmsr-2306	85	9	essential	essential	ADJ
bjmsr-2306	85	10	for	for	ADP
bjmsr-2306	85	11	making	make	VERB
bjmsr-2306	85	12	informed	informed	ADJ
bjmsr-2306	85	13	investment	investment	NOUN
bjmsr-2306	85	14	decisions	decision	NOUN
bjmsr-2306	85	15	.	.	PUNCT
bjmsr-2306	86	1	it	it	PRON
bjmsr-2306	86	2	helps	help	VERB
bjmsr-2306	86	3	individuals	individual	NOUN
bjmsr-2306	86	4	analyze	analyze	VERB
bjmsr-2306	86	5	financial	financial	ADJ
bjmsr-2306	86	6	reports	report	NOUN
bjmsr-2306	86	7	,	,	PUNCT
bjmsr-2306	86	8	study	study	NOUN
bjmsr-2306	86	9	market	market	NOUN
bjmsr-2306	86	10	trends	trend	NOUN
bjmsr-2306	86	11	,	,	PUNCT
bjmsr-2306	86	12	and	and	CCONJ
bjmsr-2306	86	13	explore	explore	VERB
bjmsr-2306	86	14	investment	investment	NOUN
bjmsr-2306	86	15	opportunities	opportunity	NOUN
bjmsr-2306	86	16	.	.	PUNCT
bjmsr-2306	87	1	however	however	ADV
bjmsr-2306	87	2	,	,	PUNCT
bjmsr-2306	87	3	investors	investor	NOUN
bjmsr-2306	87	4	’	'	PUNCT
bjmsr-2306	87	5	ability	ability	NOUN
bjmsr-2306	87	6	to	to	PART
bjmsr-2306	87	7	interpret	interpret	VERB
bjmsr-2306	87	8	and	and	CCONJ
bjmsr-2306	87	9	use	use	VERB
bjmsr-2306	87	10	accounting	accounting	NOUN
bjmsr-2306	87	11	information	information	NOUN
bjmsr-2306	87	12	is	be	AUX
bjmsr-2306	87	13	influenced	influence	VERB
bjmsr-2306	87	14	by	by	ADP
bjmsr-2306	87	15	behavioral	behavioral	ADJ
bjmsr-2306	87	16	biases	bias	NOUN
bjmsr-2306	87	17	and	and	CCONJ
bjmsr-2306	87	18	their	their	PRON
bjmsr-2306	87	19	exposure	exposure	NOUN
bjmsr-2306	87	20	to	to	ADP
bjmsr-2306	87	21	financial	financial	ADJ
bjmsr-2306	87	22	knowledge	knowledge	NOUN
bjmsr-2306	87	23	.	.	PUNCT
bjmsr-2306	88	1	investors	investor	NOUN
bjmsr-2306	88	2	use	use	VERB
bjmsr-2306	88	3	balance	balance	NOUN
bjmsr-2306	88	4	sheets	sheet	NOUN
bjmsr-2306	88	5	,	,	PUNCT
bjmsr-2306	88	6	income	income	NOUN
bjmsr-2306	88	7	statements	statement	NOUN
bjmsr-2306	88	8	,	,	PUNCT
bjmsr-2306	88	9	and	and	CCONJ
bjmsr-2306	88	10	other	other	ADJ
bjmsr-2306	88	11	reports	report	NOUN
bjmsr-2306	88	12	to	to	PART
bjmsr-2306	88	13	evaluate	evaluate	VERB
bjmsr-2306	88	14	a	a	DET
bjmsr-2306	88	15	company	company	NOUN
bjmsr-2306	88	16	's	's	PART
bjmsr-2306	88	17	financial	financial	ADJ
bjmsr-2306	88	18	health	health	NOUN
bjmsr-2306	88	19	.	.	PUNCT
bjmsr-2306	89	1	however	however	ADV
bjmsr-2306	89	2	,	,	PUNCT
bjmsr-2306	89	3	biases	bias	NOUN
bjmsr-2306	89	4	like	like	ADP
bjmsr-2306	89	5	confirmation	confirmation	NOUN
bjmsr-2306	89	6	bias	bias	NOUN
bjmsr-2306	89	7	can	can	AUX
bjmsr-2306	89	8	cause	cause	VERB
bjmsr-2306	89	9	investors	investor	NOUN
bjmsr-2306	89	10	to	to	PART
bjmsr-2306	89	11	focus	focus	VERB
bjmsr-2306	89	12	only	only	ADV
bjmsr-2306	89	13	on	on	ADP
bjmsr-2306	89	14	data	datum	NOUN
bjmsr-2306	89	15	that	that	PRON
bjmsr-2306	89	16	aligns	align	VERB
bjmsr-2306	89	17	with	with	ADP
bjmsr-2306	89	18	their	their	PRON
bjmsr-2306	89	19	existing	exist	VERB
bjmsr-2306	89	20	beliefs	belief	NOUN
bjmsr-2306	89	21	.	.	PUNCT
bjmsr-2306	90	1	precise	precise	ADJ
bjmsr-2306	90	2	and	and	CCONJ
bjmsr-2306	90	3	accurate	accurate	ADJ
bjmsr-2306	90	4	financial	financial	ADJ
bjmsr-2306	90	5	disclosures	disclosure	NOUN
bjmsr-2306	90	6	are	be	AUX
bjmsr-2306	90	7	essential	essential	ADJ
bjmsr-2306	90	8	to	to	ADP
bjmsr-2306	90	9	investor	investor	NOUN
bjmsr-2306	90	10	confidence	confidence	NOUN
bjmsr-2306	90	11	.	.	PUNCT
bjmsr-2306	91	1	misinterpretation	misinterpretation	NOUN
bjmsr-2306	91	2	of	of	ADP
bjmsr-2306	91	3	financial	financial	ADJ
bjmsr-2306	91	4	statements	statement	NOUN
bjmsr-2306	91	5	due	due	ADJ
bjmsr-2306	91	6	to	to	ADP
bjmsr-2306	91	7	limited	limited	ADJ
bjmsr-2306	91	8	exposure	exposure	NOUN
bjmsr-2306	91	9	to	to	ADP
bjmsr-2306	91	10	fintech	fintech	NOUN
bjmsr-2306	91	11	platforms	platform	NOUN
bjmsr-2306	91	12	may	may	AUX
bjmsr-2306	91	13	influence	influence	VERB
bjmsr-2306	91	14	investment	investment	NOUN
bjmsr-2306	91	15	decisions	decision	NOUN
bjmsr-2306	91	16	.	.	PUNCT
bjmsr-2306	92	1	an	an	DET
bjmsr-2306	92	2	investor	investor	NOUN
bjmsr-2306	92	3	's	's	PART
bjmsr-2306	92	4	ability	ability	NOUN
bjmsr-2306	92	5	to	to	PART
bjmsr-2306	92	6	assess	assess	VERB
bjmsr-2306	92	7	financial	financial	ADJ
bjmsr-2306	92	8	risks	risk	NOUN
bjmsr-2306	92	9	is	be	AUX
bjmsr-2306	92	10	directly	directly	ADV
bjmsr-2306	92	11	influenced	influence	VERB
bjmsr-2306	92	12	by	by	ADP
bjmsr-2306	92	13	their	their	PRON
bjmsr-2306	92	14	cognitive	cognitive	ADJ
bjmsr-2306	92	15	biases	bias	NOUN
bjmsr-2306	92	16	and	and	CCONJ
bjmsr-2306	92	17	past	past	ADJ
bjmsr-2306	92	18	investment	investment	NOUN
bjmsr-2306	92	19	experiences	experience	NOUN
bjmsr-2306	92	20	.	.	PUNCT
bjmsr-2306	93	1	fintech	fintech	NOUN
bjmsr-2306	93	2	exposure	exposure	NOUN
bjmsr-2306	93	3	and	and	CCONJ
bjmsr-2306	93	4	investment	investment	NOUN
bjmsr-2306	93	5	behavior	behavior	NOUN
bjmsr-2306	93	6	fintech	fintech	NOUN
bjmsr-2306	93	7	has	have	AUX
bjmsr-2306	93	8	enhanced	enhance	VERB
bjmsr-2306	93	9	access	access	NOUN
bjmsr-2306	93	10	to	to	ADP
bjmsr-2306	93	11	financial	financial	ADJ
bjmsr-2306	93	12	information	information	NOUN
bjmsr-2306	93	13	,	,	PUNCT
bjmsr-2306	93	14	markets	market	NOUN
bjmsr-2306	93	15	,	,	PUNCT
bjmsr-2306	93	16	and	and	CCONJ
bjmsr-2306	93	17	trading	trading	NOUN
bjmsr-2306	93	18	tools	tool	NOUN
bjmsr-2306	93	19	,	,	PUNCT
bjmsr-2306	93	20	thus	thus	ADV
bjmsr-2306	93	21	encouraging	encourage	VERB
bjmsr-2306	93	22	more	more	ADJ
bjmsr-2306	93	23	excellent	excellent	ADJ
bjmsr-2306	93	24	investment	investment	NOUN
bjmsr-2306	93	25	activity	activity	NOUN
bjmsr-2306	93	26	.	.	PUNCT
bjmsr-2306	94	1	however	however	ADV
bjmsr-2306	94	2	,	,	PUNCT
bjmsr-2306	94	3	exposure	exposure	NOUN
bjmsr-2306	94	4	to	to	ADP
bjmsr-2306	94	5	fintech	fintech	NOUN
bjmsr-2306	94	6	also	also	ADV
bjmsr-2306	94	7	presents	present	VERB
bjmsr-2306	94	8	challenges	challenge	NOUN
bjmsr-2306	94	9	,	,	PUNCT
bjmsr-2306	94	10	such	such	ADJ
bjmsr-2306	94	11	as	as	ADP
bjmsr-2306	94	12	information	information	NOUN
bjmsr-2306	94	13	overload	overload	NOUN
bjmsr-2306	94	14	and	and	CCONJ
bjmsr-2306	94	15	digital	digital	ADJ
bjmsr-2306	94	16	security	security	NOUN
bjmsr-2306	94	17	risks	risk	NOUN
bjmsr-2306	94	18	.	.	PUNCT
bjmsr-2306	95	1	digital	digital	ADJ
bjmsr-2306	95	2	financial	financial	ADJ
bjmsr-2306	95	3	literacy	literacy	NOUN
bjmsr-2306	95	4	is	be	AUX
bjmsr-2306	95	5	vital	vital	ADJ
bjmsr-2306	95	6	to	to	ADP
bjmsr-2306	95	7	using	use	VERB
bjmsr-2306	95	8	fintech	fintech	NOUN
bjmsr-2306	95	9	platforms	platform	NOUN
bjmsr-2306	95	10	effectively	effectively	ADV
bjmsr-2306	95	11	.	.	PUNCT
bjmsr-2306	96	1	misunderstanding	misunderstand	VERB
bjmsr-2306	96	2	financial	financial	ADJ
bjmsr-2306	96	3	statements	statement	NOUN
bjmsr-2306	96	4	and	and	CCONJ
bjmsr-2306	96	5	algorithmic	algorithmic	ADJ
bjmsr-2306	96	6	recommendations	recommendation	NOUN
bjmsr-2306	96	7	may	may	AUX
bjmsr-2306	96	8	occur	occur	VERB
bjmsr-2306	96	9	if	if	SCONJ
bjmsr-2306	96	10	investors	investor	NOUN
bjmsr-2306	96	11	lack	lack	VERB
bjmsr-2306	96	12	proper	proper	ADJ
bjmsr-2306	96	13	digital	digital	ADJ
bjmsr-2306	96	14	financial	financial	ADJ
bjmsr-2306	96	15	literacy	literacy	NOUN
bjmsr-2306	96	16	,	,	PUNCT
bjmsr-2306	96	17	leading	lead	VERB
bjmsr-2306	96	18	to	to	ADP
bjmsr-2306	96	19	poor	poor	ADJ
bjmsr-2306	96	20	investment	investment	NOUN
bjmsr-2306	96	21	choices	choice	NOUN
bjmsr-2306	96	22	.	.	PUNCT
bjmsr-2306	97	1	overreliance	overreliance	NOUN
bjmsr-2306	97	2	on	on	ADP
bjmsr-2306	97	3	ai	ai	ADJ
bjmsr-2306	97	4	-	-	PUNCT
bjmsr-2306	97	5	driven	drive	VERB
bjmsr-2306	97	6	platforms	platform	NOUN
bjmsr-2306	97	7	or	or	CCONJ
bjmsr-2306	97	8	robo	robo	NOUN
bjmsr-2306	97	9	-	-	PUNCT
bjmsr-2306	97	10	advisors	advisor	NOUN
bjmsr-2306	97	11	may	may	AUX
bjmsr-2306	97	12	lead	lead	VERB
bjmsr-2306	97	13	to	to	ADP
bjmsr-2306	97	14	riskier	risky	ADJ
bjmsr-2306	97	15	investment	investment	NOUN
bjmsr-2306	97	16	decisions	decision	NOUN
bjmsr-2306	97	17	.	.	PUNCT
bjmsr-2306	98	1	the	the	DET
bjmsr-2306	98	2	increased	increase	VERB
bjmsr-2306	98	3	accessibility	accessibility	NOUN
bjmsr-2306	98	4	to	to	ADP
bjmsr-2306	98	5	financial	financial	ADJ
bjmsr-2306	98	6	markets	market	NOUN
bjmsr-2306	98	7	through	through	ADP
bjmsr-2306	98	8	fintech	fintech	NOUN
bjmsr-2306	98	9	platforms	platform	NOUN
bjmsr-2306	98	10	may	may	AUX
bjmsr-2306	98	11	promote	promote	VERB
bjmsr-2306	98	12	frequent	frequent	ADJ
bjmsr-2306	98	13	trading	trading	NOUN
bjmsr-2306	98	14	,	,	PUNCT
bjmsr-2306	98	15	which	which	PRON
bjmsr-2306	98	16	can	can	AUX
bjmsr-2306	98	17	trigger	trigger	VERB
bjmsr-2306	98	18	behavioral	behavioral	ADJ
bjmsr-2306	98	19	traps	trap	NOUN
bjmsr-2306	98	20	like	like	ADP
bjmsr-2306	98	21	herd	herd	NOUN
bjmsr-2306	98	22	mentality	mentality	NOUN
bjmsr-2306	98	23	.	.	PUNCT
bjmsr-2306	99	1	research	research	NOUN
bjmsr-2306	99	2	gap	gap	NOUN
bjmsr-2306	99	3	in	in	ADP
bjmsr-2306	99	4	summary	summary	NOUN
bjmsr-2306	99	5	,	,	PUNCT
bjmsr-2306	99	6	investor	investor	NOUN
bjmsr-2306	99	7	psychology	psychology	NOUN
bjmsr-2306	99	8	,	,	PUNCT
bjmsr-2306	99	9	accounting	accounting	NOUN
bjmsr-2306	99	10	information	information	NOUN
bjmsr-2306	99	11	,	,	PUNCT
bjmsr-2306	99	12	and	and	CCONJ
bjmsr-2306	99	13	fintech	fintech	NOUN
bjmsr-2306	99	14	exposure	exposure	NOUN
bjmsr-2306	99	15	all	all	PRON
bjmsr-2306	99	16	play	play	VERB
bjmsr-2306	99	17	significant	significant	ADJ
bjmsr-2306	99	18	roles	role	NOUN
bjmsr-2306	99	19	in	in	ADP
bjmsr-2306	99	20	shaping	shape	VERB
bjmsr-2306	99	21	investment	investment	NOUN
bjmsr-2306	99	22	decisions	decision	NOUN
bjmsr-2306	99	23	.	.	PUNCT
bjmsr-2306	100	1	research	research	NOUN
bjmsr-2306	100	2	has	have	AUX
bjmsr-2306	100	3	shown	show	VERB
bjmsr-2306	100	4	that	that	SCONJ
bjmsr-2306	100	5	these	these	DET
bjmsr-2306	100	6	factors	factor	NOUN
bjmsr-2306	100	7	are	be	AUX
bjmsr-2306	100	8	interconnected	interconnect	VERB
bjmsr-2306	100	9	and	and	CCONJ
bjmsr-2306	100	10	can	can	AUX
bjmsr-2306	100	11	influence	influence	VERB
bjmsr-2306	100	12	one	one	NUM
bjmsr-2306	100	13	another	another	DET
bjmsr-2306	100	14	.	.	PUNCT
bjmsr-2306	101	1	however	however	ADV
bjmsr-2306	101	2	,	,	PUNCT
bjmsr-2306	101	3	there	there	PRON
bjmsr-2306	101	4	are	be	VERB
bjmsr-2306	101	5	still	still	ADV
bjmsr-2306	101	6	gaps	gap	NOUN
bjmsr-2306	101	7	in	in	ADP
bjmsr-2306	101	8	understanding	understand	VERB
bjmsr-2306	101	9	how	how	SCONJ
bjmsr-2306	101	10	these	these	DET
bjmsr-2306	101	11	factors	factor	NOUN
bjmsr-2306	101	12	interact	interact	VERB
bjmsr-2306	101	13	,	,	PUNCT
bjmsr-2306	101	14	especially	especially	ADV
bjmsr-2306	101	15	in	in	ADP
bjmsr-2306	101	16	developing	develop	VERB
bjmsr-2306	101	17	economies	economy	NOUN
bjmsr-2306	101	18	such	such	ADJ
bjmsr-2306	101	19	as	as	ADP
bjmsr-2306	101	20	oman	oman	NOUN
bjmsr-2306	101	21	.	.	PUNCT
bjmsr-2306	102	1	there	there	PRON
bjmsr-2306	102	2	is	be	VERB
bjmsr-2306	102	3	a	a	DET
bjmsr-2306	102	4	need	need	NOUN
bjmsr-2306	102	5	for	for	ADP
bjmsr-2306	102	6	further	further	ADJ
bjmsr-2306	102	7	exploration	exploration	NOUN
bjmsr-2306	102	8	into	into	ADP
bjmsr-2306	102	9	how	how	SCONJ
bjmsr-2306	102	10	investor	investor	NOUN
bjmsr-2306	102	11	psychology	psychology	NOUN
bjmsr-2306	102	12	and	and	CCONJ
bjmsr-2306	102	13	accounting	accounting	NOUN
bjmsr-2306	102	14	knowledge	knowledge	NOUN
bjmsr-2306	102	15	when	when	SCONJ
bjmsr-2306	102	16	combined	combine	VERB
bjmsr-2306	102	17	with	with	ADP
bjmsr-2306	102	18	fintech	fintech	NOUN
bjmsr-2306	102	19	exposure	exposure	NOUN
bjmsr-2306	102	20	,	,	PUNCT
bjmsr-2306	102	21	influence	influence	NOUN
bjmsr-2306	102	22	investment	investment	NOUN
bjmsr-2306	102	23	behavior	behavior	NOUN
bjmsr-2306	102	24	in	in	ADP
bjmsr-2306	102	25	oman	oman	NOUN
bjmsr-2306	102	26	.	.	PUNCT
bjmsr-2306	103	1	additionally	additionally	ADV
bjmsr-2306	103	2	,	,	PUNCT
bjmsr-2306	103	3	the	the	DET
bjmsr-2306	103	4	role	role	NOUN
bjmsr-2306	103	5	of	of	ADP
bjmsr-2306	103	6	financial	financial	ADJ
bjmsr-2306	103	7	literacy	literacy	NOUN
bjmsr-2306	103	8	programs	program	NOUN
bjmsr-2306	103	9	in	in	ADP
bjmsr-2306	103	10	enhancing	enhance	VERB
bjmsr-2306	103	11	investment	investment	NOUN
bjmsr-2306	103	12	decision	decision	NOUN
bjmsr-2306	103	13	-	-	PUNCT
bjmsr-2306	103	14	making	making	NOUN
bjmsr-2306	103	15	remains	remain	VERB
bjmsr-2306	103	16	under	under	ADV
bjmsr-2306	103	17	-	-	PUNCT
bjmsr-2306	103	18	researched	research	VERB
bjmsr-2306	103	19	.	.	PUNCT
bjmsr-2306	104	1	this	this	DET
bjmsr-2306	104	2	study	study	NOUN
bjmsr-2306	104	3	seeks	seek	VERB
bjmsr-2306	104	4	to	to	PART
bjmsr-2306	104	5	bridge	bridge	VERB
bjmsr-2306	104	6	these	these	DET
bjmsr-2306	104	7	gaps	gap	NOUN
bjmsr-2306	104	8	by	by	ADP
bjmsr-2306	104	9	examining	examine	VERB
bjmsr-2306	104	10	how	how	SCONJ
bjmsr-2306	104	11	investor	investor	NOUN
bjmsr-2306	104	12	psychology	psychology	NOUN
bjmsr-2306	104	13	,	,	PUNCT
bjmsr-2306	104	14	accounting	accounting	NOUN
bjmsr-2306	104	15	information	information	NOUN
bjmsr-2306	104	16	,	,	PUNCT
bjmsr-2306	104	17	and	and	CCONJ
bjmsr-2306	104	18	fintech	fintech	NOUN
bjmsr-2306	104	19	exposure	exposure	NOUN
bjmsr-2306	104	20	influence	influence	NOUN
bjmsr-2306	104	21	investment	investment	NOUN
bjmsr-2306	104	22	decisions	decision	NOUN
bjmsr-2306	104	23	in	in	ADP
bjmsr-2306	104	24	oman	oman	NOUN
bjmsr-2306	104	25	.	.	PUNCT
bjmsr-2306	105	1	the	the	DET
bjmsr-2306	105	2	study	study	NOUN
bjmsr-2306	105	3	will	will	AUX
bjmsr-2306	105	4	analyze	analyze	VERB
bjmsr-2306	105	5	how	how	SCONJ
bjmsr-2306	105	6	psychological	psychological	ADJ
bjmsr-2306	105	7	biases	bias	NOUN
bjmsr-2306	105	8	,	,	PUNCT
bjmsr-2306	105	9	the	the	DET
bjmsr-2306	105	10	availability	availability	NOUN
bjmsr-2306	105	11	of	of	ADP
bjmsr-2306	105	12	accounting	accounting	NOUN
bjmsr-2306	105	13	information	information	NOUN
bjmsr-2306	105	14	,	,	PUNCT
bjmsr-2306	105	15	and	and	CCONJ
bjmsr-2306	105	16	exposure	exposure	NOUN
bjmsr-2306	105	17	to	to	ADP
bjmsr-2306	105	18	fintech	fintech	NOUN
bjmsr-2306	105	19	platforms	platform	NOUN
bjmsr-2306	105	20	affect	affect	VERB
bjmsr-2306	105	21	individual	individual	ADJ
bjmsr-2306	105	22	investors	investor	NOUN
bjmsr-2306	105	23	'	'	PART
bjmsr-2306	105	24	choices	choice	NOUN
bjmsr-2306	105	25	.	.	PUNCT
bjmsr-2306	106	1	figure	figure	NOUN
bjmsr-2306	106	2	1	1	NUM
bjmsr-2306	106	3	.	.	PUNCT
bjmsr-2306	106	4	conceptual	conceptual	ADJ
bjmsr-2306	106	5	framework	framework	NOUN
bjmsr-2306	106	6	of	of	ADP
bjmsr-2306	106	7	the	the	DET
bjmsr-2306	106	8	study	study	NOUN
bjmsr-2306	106	9	source	source	NOUN
bjmsr-2306	106	10	:	:	PUNCT
bjmsr-2306	106	11	developed	develop	VERB
bjmsr-2306	106	12	by	by	ADP
bjmsr-2306	106	13	authors	author	NOUN
bjmsr-2306	106	14	zaheeruddin	zaheeruddin	PROPN
bjmsr-2306	106	15	&	&	CCONJ
bjmsr-2306	106	16	kumar	kumar	PROPN
bjmsr-2306	106	17	,	,	PUNCT
bjmsr-2306	106	18	bangladesh	bangladesh	PROPN
bjmsr-2306	106	19	journal	journal	NOUN
bjmsr-2306	106	20	of	of	ADP
bjmsr-2306	106	21	multidisciplinary	multidisciplinary	ADJ
bjmsr-2306	106	22	scientific	scientific	ADJ
bjmsr-2306	106	23	research	research	NOUN
bjmsr-2306	106	24	10(2	10(2	NUM
bjmsr-2306	106	25	)	)	PUNCT
bjmsr-2306	106	26	(	(	PUNCT
bjmsr-2306	106	27	2025	2025	NUM
bjmsr-2306	106	28	)	)	PUNCT
bjmsr-2306	106	29	,	,	PUNCT
bjmsr-2306	106	30	12	12	NUM
bjmsr-2306	106	31	-	-	SYM
bjmsr-2306	106	32	20	20	NUM
bjmsr-2306	106	33	15	15	NUM
bjmsr-2306	106	34	the	the	DET
bjmsr-2306	106	35	framework	framework	NOUN
bjmsr-2306	106	36	explains	explain	VERB
bjmsr-2306	106	37	the	the	DET
bjmsr-2306	106	38	factors	factor	NOUN
bjmsr-2306	106	39	influencing	influence	VERB
bjmsr-2306	106	40	investment	investment	NOUN
bjmsr-2306	106	41	decisions	decision	NOUN
bjmsr-2306	106	42	through	through	ADP
bjmsr-2306	106	43	investment	investment	NOUN
bjmsr-2306	106	44	interest	interest	NOUN
bjmsr-2306	106	45	.	.	PUNCT
bjmsr-2306	107	1	it	it	PRON
bjmsr-2306	107	2	highlights	highlight	VERB
bjmsr-2306	107	3	three	three	NUM
bjmsr-2306	107	4	key	key	ADJ
bjmsr-2306	107	5	determinants	determinant	NOUN
bjmsr-2306	107	6	:	:	PUNCT
bjmsr-2306	107	7	investors	investor	NOUN
bjmsr-2306	107	8	'	'	PART
bjmsr-2306	107	9	psychology	psychology	NOUN
bjmsr-2306	107	10	,	,	PUNCT
bjmsr-2306	107	11	accounting	accounting	NOUN
bjmsr-2306	107	12	information	information	NOUN
bjmsr-2306	107	13	,	,	PUNCT
bjmsr-2306	107	14	and	and	CCONJ
bjmsr-2306	107	15	fintech	fintech	NOUN
bjmsr-2306	107	16	exposure	exposure	NOUN
bjmsr-2306	107	17	,	,	PUNCT
bjmsr-2306	107	18	which	which	PRON
bjmsr-2306	107	19	collectively	collectively	ADV
bjmsr-2306	107	20	shape	shape	VERB
bjmsr-2306	107	21	an	an	DET
bjmsr-2306	107	22	individual	individual	NOUN
bjmsr-2306	107	23	's	's	PART
bjmsr-2306	107	24	interest	interest	NOUN
bjmsr-2306	107	25	in	in	ADP
bjmsr-2306	107	26	investment	investment	NOUN
bjmsr-2306	107	27	.	.	PUNCT
bjmsr-2306	108	1	investors	investor	NOUN
bjmsr-2306	108	2	'	'	PART
bjmsr-2306	108	3	psychology	psychology	NOUN
bjmsr-2306	108	4	reflects	reflect	VERB
bjmsr-2306	108	5	behavioral	behavioral	ADJ
bjmsr-2306	108	6	biases	bias	NOUN
bjmsr-2306	108	7	and	and	CCONJ
bjmsr-2306	108	8	risk	risk	NOUN
bjmsr-2306	108	9	perception	perception	NOUN
bjmsr-2306	108	10	,	,	PUNCT
bjmsr-2306	108	11	while	while	SCONJ
bjmsr-2306	108	12	accounting	accounting	NOUN
bjmsr-2306	108	13	information	information	NOUN
bjmsr-2306	108	14	signifies	signify	VERB
bjmsr-2306	108	15	financial	financial	ADJ
bjmsr-2306	108	16	literacy	literacy	NOUN
bjmsr-2306	108	17	and	and	CCONJ
bjmsr-2306	108	18	data	data	NOUN
bjmsr-2306	108	19	-	-	PUNCT
bjmsr-2306	108	20	driven	drive	VERB
bjmsr-2306	108	21	decision	decision	NOUN
bjmsr-2306	108	22	-	-	PUNCT
bjmsr-2306	108	23	making	making	NOUN
bjmsr-2306	108	24	.	.	PUNCT
bjmsr-2306	109	1	fintech	fintech	NOUN
bjmsr-2306	109	2	exposure	exposure	NOUN
bjmsr-2306	109	3	represents	represent	VERB
bjmsr-2306	109	4	the	the	DET
bjmsr-2306	109	5	role	role	NOUN
bjmsr-2306	109	6	of	of	ADP
bjmsr-2306	109	7	digital	digital	ADJ
bjmsr-2306	109	8	financial	financial	ADJ
bjmsr-2306	109	9	services	service	NOUN
bjmsr-2306	109	10	in	in	ADP
bjmsr-2306	109	11	shaping	shape	VERB
bjmsr-2306	109	12	investment	investment	NOUN
bjmsr-2306	109	13	behavior	behavior	NOUN
bjmsr-2306	109	14	.	.	PUNCT
bjmsr-2306	110	1	these	these	DET
bjmsr-2306	110	2	factors	factor	NOUN
bjmsr-2306	110	3	influence	influence	VERB
bjmsr-2306	110	4	investment	investment	NOUN
bjmsr-2306	110	5	interest	interest	NOUN
bjmsr-2306	110	6	,	,	PUNCT
bjmsr-2306	110	7	which	which	PRON
bjmsr-2306	110	8	subsequently	subsequently	ADV
bjmsr-2306	110	9	drives	drive	VERB
bjmsr-2306	110	10	the	the	DET
bjmsr-2306	110	11	final	final	ADJ
bjmsr-2306	110	12	investment	investment	NOUN
bjmsr-2306	110	13	decision	decision	NOUN
bjmsr-2306	110	14	.	.	PUNCT
bjmsr-2306	111	1	the	the	DET
bjmsr-2306	111	2	model	model	NOUN
bjmsr-2306	111	3	underscores	underscore	VERB
bjmsr-2306	111	4	the	the	DET
bjmsr-2306	111	5	interconnected	interconnected	ADJ
bjmsr-2306	111	6	impact	impact	NOUN
bjmsr-2306	111	7	of	of	ADP
bjmsr-2306	111	8	psychological	psychological	ADJ
bjmsr-2306	111	9	,	,	PUNCT
bjmsr-2306	111	10	informational	informational	ADJ
bjmsr-2306	111	11	,	,	PUNCT
bjmsr-2306	111	12	and	and	CCONJ
bjmsr-2306	111	13	technological	technological	ADJ
bjmsr-2306	111	14	aspects	aspect	NOUN
bjmsr-2306	111	15	in	in	ADP
bjmsr-2306	111	16	rational	rational	ADJ
bjmsr-2306	111	17	investment	investment	NOUN
bjmsr-2306	111	18	decision	decision	NOUN
bjmsr-2306	111	19	-	-	PUNCT
bjmsr-2306	111	20	making	making	NOUN
bjmsr-2306	111	21	.	.	PUNCT
bjmsr-2306	112	1	this	this	DET
bjmsr-2306	112	2	study	study	NOUN
bjmsr-2306	112	3	seeks	seek	VERB
bjmsr-2306	112	4	to	to	PART
bjmsr-2306	112	5	bridge	bridge	VERB
bjmsr-2306	112	6	critical	critical	ADJ
bjmsr-2306	112	7	gaps	gap	NOUN
bjmsr-2306	112	8	in	in	ADP
bjmsr-2306	112	9	understanding	understand	VERB
bjmsr-2306	112	10	the	the	DET
bjmsr-2306	112	11	aspects	aspect	NOUN
bjmsr-2306	112	12	that	that	PRON
bjmsr-2306	112	13	shape	shape	VERB
bjmsr-2306	112	14	investment	investment	NOUN
bjmsr-2306	112	15	behavior	behavior	NOUN
bjmsr-2306	112	16	among	among	ADP
bjmsr-2306	112	17	individual	individual	ADJ
bjmsr-2306	112	18	investors	investor	NOUN
bjmsr-2306	112	19	in	in	ADP
bjmsr-2306	112	20	oman	oman	PROPN
bjmsr-2306	112	21	.	.	PUNCT
bjmsr-2306	113	1	explicitly	explicitly	ADV
bjmsr-2306	113	2	,	,	PUNCT
bjmsr-2306	113	3	it	it	PRON
bjmsr-2306	113	4	examines	examine	VERB
bjmsr-2306	113	5	the	the	DET
bjmsr-2306	113	6	impact	impact	NOUN
bjmsr-2306	113	7	of	of	ADP
bjmsr-2306	113	8	investor	investor	NOUN
bjmsr-2306	113	9	psychology	psychology	NOUN
bjmsr-2306	113	10	,	,	PUNCT
bjmsr-2306	113	11	available	available	ADJ
bjmsr-2306	113	12	accounting	accounting	NOUN
bjmsr-2306	113	13	information	information	NOUN
bjmsr-2306	113	14	,	,	PUNCT
bjmsr-2306	113	15	and	and	CCONJ
bjmsr-2306	113	16	exposure	exposure	NOUN
bjmsr-2306	113	17	to	to	ADP
bjmsr-2306	113	18	fintech	fintech	NOUN
bjmsr-2306	113	19	platforms	platform	NOUN
bjmsr-2306	113	20	on	on	ADP
bjmsr-2306	113	21	investment	investment	NOUN
bjmsr-2306	113	22	interest	interest	NOUN
bjmsr-2306	113	23	and	and	CCONJ
bjmsr-2306	113	24	decision	decision	NOUN
bjmsr-2306	113	25	-	-	PUNCT
bjmsr-2306	113	26	making	making	NOUN
bjmsr-2306	113	27	.	.	PUNCT
bjmsr-2306	114	1	by	by	ADP
bjmsr-2306	114	2	addressing	address	VERB
bjmsr-2306	114	3	these	these	DET
bjmsr-2306	114	4	aspects	aspect	NOUN
bjmsr-2306	114	5	,	,	PUNCT
bjmsr-2306	114	6	the	the	DET
bjmsr-2306	114	7	research	research	NOUN
bjmsr-2306	114	8	aims	aim	VERB
bjmsr-2306	114	9	to	to	PART
bjmsr-2306	114	10	provide	provide	VERB
bjmsr-2306	114	11	a	a	DET
bjmsr-2306	114	12	comprehensive	comprehensive	ADJ
bjmsr-2306	114	13	analysis	analysis	NOUN
bjmsr-2306	114	14	of	of	ADP
bjmsr-2306	114	15	how	how	SCONJ
bjmsr-2306	114	16	psychological	psychological	ADJ
bjmsr-2306	114	17	tendencies	tendency	NOUN
bjmsr-2306	114	18	affect	affect	VERB
bjmsr-2306	114	19	investment	investment	NOUN
bjmsr-2306	114	20	choices	choice	NOUN
bjmsr-2306	114	21	,	,	PUNCT
bjmsr-2306	114	22	the	the	DET
bjmsr-2306	114	23	extent	extent	NOUN
bjmsr-2306	114	24	to	to	PART
bjmsr-2306	114	25	which	which	PRON
bjmsr-2306	114	26	accounting	account	VERB
bjmsr-2306	114	27	information	information	NOUN
bjmsr-2306	114	28	guides	guide	VERB
bjmsr-2306	114	29	investor	investor	NOUN
bjmsr-2306	114	30	interest	interest	NOUN
bjmsr-2306	114	31	,	,	PUNCT
bjmsr-2306	114	32	and	and	CCONJ
bjmsr-2306	114	33	whether	whether	SCONJ
bjmsr-2306	114	34	fintech	fintech	NOUN
bjmsr-2306	114	35	exposure	exposure	NOUN
bjmsr-2306	114	36	facilitates	facilitate	VERB
bjmsr-2306	114	37	or	or	CCONJ
bjmsr-2306	114	38	impedes	impede	VERB
bjmsr-2306	114	39	informed	inform	VERB
bjmsr-2306	114	40	financial	financial	ADJ
bjmsr-2306	114	41	decision	decision	NOUN
bjmsr-2306	114	42	-	-	PUNCT
bjmsr-2306	114	43	making	making	NOUN
bjmsr-2306	114	44	.	.	PUNCT
bjmsr-2306	115	1	through	through	ADP
bjmsr-2306	115	2	this	this	DET
bjmsr-2306	115	3	inquiry	inquiry	NOUN
bjmsr-2306	115	4	,	,	PUNCT
bjmsr-2306	115	5	the	the	DET
bjmsr-2306	115	6	study	study	NOUN
bjmsr-2306	115	7	not	not	PART
bjmsr-2306	115	8	only	only	ADV
bjmsr-2306	115	9	contributes	contribute	VERB
bjmsr-2306	115	10	to	to	ADP
bjmsr-2306	115	11	the	the	DET
bjmsr-2306	115	12	existing	exist	VERB
bjmsr-2306	115	13	body	body	NOUN
bjmsr-2306	115	14	of	of	ADP
bjmsr-2306	115	15	knowledge	knowledge	NOUN
bjmsr-2306	115	16	on	on	ADP
bjmsr-2306	115	17	investment	investment	NOUN
bjmsr-2306	115	18	behavior	behavior	NOUN
bjmsr-2306	115	19	but	but	CCONJ
bjmsr-2306	115	20	also	also	ADV
bjmsr-2306	115	21	offers	offer	VERB
bjmsr-2306	115	22	valuable	valuable	ADJ
bjmsr-2306	115	23	insights	insight	NOUN
bjmsr-2306	115	24	for	for	ADP
bjmsr-2306	115	25	policymakers	policymaker	NOUN
bjmsr-2306	115	26	,	,	PUNCT
bjmsr-2306	115	27	financial	financial	ADJ
bjmsr-2306	115	28	institutions	institution	NOUN
bjmsr-2306	115	29	,	,	PUNCT
bjmsr-2306	115	30	and	and	CCONJ
bjmsr-2306	115	31	investors	investor	NOUN
bjmsr-2306	115	32	to	to	PART
bjmsr-2306	115	33	develop	develop	VERB
bjmsr-2306	115	34	strategies	strategy	NOUN
bjmsr-2306	115	35	that	that	PRON
bjmsr-2306	115	36	enhance	enhance	VERB
bjmsr-2306	115	37	financial	financial	ADJ
bjmsr-2306	115	38	literacy	literacy	NOUN
bjmsr-2306	115	39	and	and	CCONJ
bjmsr-2306	115	40	promote	promote	VERB
bjmsr-2306	115	41	more	more	ADV
bjmsr-2306	115	42	informed	informed	ADJ
bjmsr-2306	115	43	investment	investment	NOUN
bjmsr-2306	115	44	decisions	decision	NOUN
bjmsr-2306	115	45	in	in	ADP
bjmsr-2306	115	46	oman	oman	PROPN
bjmsr-2306	115	47	's	's	PART
bjmsr-2306	115	48	evolving	evolve	VERB
bjmsr-2306	115	49	economic	economic	ADJ
bjmsr-2306	115	50	landscape	landscape	NOUN
bjmsr-2306	115	51	.	.	PUNCT
bjmsr-2306	116	1	therefore	therefore	ADV
bjmsr-2306	116	2	,	,	PUNCT
bjmsr-2306	116	3	this	this	DET
bjmsr-2306	116	4	study	study	NOUN
bjmsr-2306	116	5	considers	consider	VERB
bjmsr-2306	116	6	the	the	DET
bjmsr-2306	116	7	following	follow	VERB
bjmsr-2306	116	8	hypotheses	hypothesis	NOUN
bjmsr-2306	116	9	(	(	PUNCT
bjmsr-2306	116	10	paths	path	NOUN
bjmsr-2306	116	11	in	in	ADP
bjmsr-2306	116	12	sem	sem	PROPN
bjmsr-2306	116	13	model	model	NOUN
bjmsr-2306	116	14	):	):	PUNCT
bjmsr-2306	116	15	.	.	PUNCT
bjmsr-2306	117	1	h1	h1	PROPN
bjmsr-2306	117	2	:	:	PUNCT
bjmsr-2306	117	3	higher	high	ADJ
bjmsr-2306	117	4	psychological	psychological	ADJ
bjmsr-2306	117	5	readiness	readiness	NOUN
bjmsr-2306	117	6	(	(	PUNCT
bjmsr-2306	117	7	e.g.	e.g.	ADV
bjmsr-2306	117	8	,	,	PUNCT
bjmsr-2306	117	9	confidence	confidence	NOUN
bjmsr-2306	117	10	in	in	ADP
bjmsr-2306	117	11	managing	manage	VERB
bjmsr-2306	117	12	finances	finance	NOUN
bjmsr-2306	117	13	)	)	PUNCT
bjmsr-2306	117	14	positively	positively	ADV
bjmsr-2306	117	15	influences	influence	VERB
bjmsr-2306	117	16	an	an	DET
bjmsr-2306	117	17	individual	individual	NOUN
bjmsr-2306	117	18	’s	’s	PART
bjmsr-2306	117	19	interest	interest	NOUN
bjmsr-2306	117	20	in	in	ADP
bjmsr-2306	117	21	investing	investing	NOUN
bjmsr-2306	117	22	.	.	PUNCT
bjmsr-2306	118	1	h2	h2	NOUN
bjmsr-2306	118	2	:	:	PUNCT
bjmsr-2306	118	3	better	well	ADJ
bjmsr-2306	118	4	knowledge	knowledge	NOUN
bjmsr-2306	118	5	of	of	ADP
bjmsr-2306	118	6	accounting	accounting	NOUN
bjmsr-2306	118	7	practices	practice	NOUN
bjmsr-2306	118	8	increases	increase	VERB
bjmsr-2306	118	9	investment	investment	NOUN
bjmsr-2306	118	10	interest	interest	NOUN
bjmsr-2306	118	11	due	due	ADP
bjmsr-2306	118	12	to	to	ADP
bjmsr-2306	118	13	better	well	ADJ
bjmsr-2306	118	14	decision	decision	NOUN
bjmsr-2306	118	15	-	-	PUNCT
bjmsr-2306	118	16	making	making	NOUN
bjmsr-2306	118	17	.	.	PUNCT
bjmsr-2306	119	1	h3	h3	NOUN
bjmsr-2306	119	2	:	:	PUNCT
bjmsr-2306	119	3	greater	great	ADJ
bjmsr-2306	119	4	exposure	exposure	NOUN
bjmsr-2306	119	5	to	to	ADP
bjmsr-2306	119	6	fintech	fintech	NOUN
bjmsr-2306	119	7	platforms	platform	NOUN
bjmsr-2306	119	8	increases	increase	VERB
bjmsr-2306	119	9	investment	investment	NOUN
bjmsr-2306	119	10	interest	interest	NOUN
bjmsr-2306	119	11	due	due	ADP
bjmsr-2306	119	12	to	to	ADP
bjmsr-2306	119	13	the	the	DET
bjmsr-2306	119	14	convenience	convenience	NOUN
bjmsr-2306	119	15	and	and	CCONJ
bjmsr-2306	119	16	accessibility	accessibility	NOUN
bjmsr-2306	119	17	of	of	ADP
bjmsr-2306	119	18	investments	investment	NOUN
bjmsr-2306	119	19	.	.	PUNCT
bjmsr-2306	120	1	h4	h4	NOUN
bjmsr-2306	120	2	:	:	PUNCT
bjmsr-2306	120	3	investors	investor	NOUN
bjmsr-2306	120	4	with	with	ADP
bjmsr-2306	120	5	stronger	strong	ADJ
bjmsr-2306	120	6	psychological	psychological	ADJ
bjmsr-2306	120	7	resilience	resilience	NOUN
bjmsr-2306	120	8	(	(	PUNCT
bjmsr-2306	120	9	e.g.	e.g.	ADV
bjmsr-2306	120	10	,	,	PUNCT
bjmsr-2306	120	11	risk	risk	NOUN
bjmsr-2306	120	12	tolerance	tolerance	NOUN
bjmsr-2306	120	13	)	)	PUNCT
bjmsr-2306	120	14	make	make	VERB
bjmsr-2306	120	15	more	more	ADV
bjmsr-2306	120	16	confident	confident	ADJ
bjmsr-2306	120	17	and	and	CCONJ
bjmsr-2306	120	18	timely	timely	ADJ
bjmsr-2306	120	19	investment	investment	NOUN
bjmsr-2306	120	20	decisions	decision	NOUN
bjmsr-2306	120	21	.	.	PUNCT
bjmsr-2306	121	1	h5	h5	PROPN
bjmsr-2306	121	2	:	:	PUNCT
bjmsr-2306	121	3	investors	investor	NOUN
bjmsr-2306	121	4	who	who	PRON
bjmsr-2306	121	5	are	be	AUX
bjmsr-2306	121	6	knowledgeable	knowledgeable	ADJ
bjmsr-2306	121	7	about	about	ADP
bjmsr-2306	121	8	accounting	accounting	NOUN
bjmsr-2306	121	9	are	be	AUX
bjmsr-2306	121	10	more	more	ADV
bjmsr-2306	121	11	likely	likely	ADJ
bjmsr-2306	121	12	to	to	PART
bjmsr-2306	121	13	make	make	VERB
bjmsr-2306	121	14	informed	informed	ADJ
bjmsr-2306	121	15	investment	investment	NOUN
bjmsr-2306	121	16	decisions	decision	NOUN
bjmsr-2306	121	17	.	.	PUNCT
bjmsr-2306	122	1	h6	h6	NOUN
bjmsr-2306	122	2	:	:	PUNCT
bjmsr-2306	122	3	greater	great	ADJ
bjmsr-2306	122	4	use	use	NOUN
bjmsr-2306	122	5	of	of	ADP
bjmsr-2306	122	6	fintech	fintech	NOUN
bjmsr-2306	122	7	platforms	platform	NOUN
bjmsr-2306	122	8	leads	lead	VERB
bjmsr-2306	122	9	to	to	ADP
bjmsr-2306	122	10	quicker	quick	ADV
bjmsr-2306	122	11	and	and	CCONJ
bjmsr-2306	122	12	more	more	ADV
bjmsr-2306	122	13	informed	informed	ADJ
bjmsr-2306	122	14	investment	investment	NOUN
bjmsr-2306	122	15	decisions	decision	NOUN
bjmsr-2306	122	16	.	.	PUNCT
bjmsr-2306	123	1	h7	h7	NOUN
bjmsr-2306	123	2	:	:	PUNCT
bjmsr-2306	123	3	higher	high	ADJ
bjmsr-2306	123	4	investment	investment	NOUN
bjmsr-2306	123	5	interest	interest	NOUN
bjmsr-2306	123	6	positively	positively	ADV
bjmsr-2306	123	7	influences	influence	VERB
bjmsr-2306	123	8	actual	actual	ADJ
bjmsr-2306	123	9	investment	investment	NOUN
bjmsr-2306	123	10	decisions	decision	NOUN
bjmsr-2306	123	11	,	,	PUNCT
bjmsr-2306	123	12	as	as	SCONJ
bjmsr-2306	123	13	those	those	PRON
bjmsr-2306	123	14	interested	interested	ADJ
bjmsr-2306	123	15	are	be	AUX
bjmsr-2306	123	16	more	more	ADV
bjmsr-2306	123	17	likely	likely	ADJ
bjmsr-2306	123	18	to	to	PART
bjmsr-2306	123	19	act	act	VERB
bjmsr-2306	123	20	on	on	ADP
bjmsr-2306	123	21	opportunities	opportunity	NOUN
bjmsr-2306	123	22	.	.	PUNCT
bjmsr-2306	124	1	results	result	NOUN
bjmsr-2306	124	2	and	and	CCONJ
bjmsr-2306	124	3	discussions	discussion	NOUN
bjmsr-2306	124	4	data	datum	NOUN
bjmsr-2306	124	5	for	for	ADP
bjmsr-2306	124	6	this	this	DET
bjmsr-2306	124	7	study	study	NOUN
bjmsr-2306	124	8	was	be	AUX
bjmsr-2306	124	9	collected	collect	VERB
bjmsr-2306	124	10	from	from	ADP
bjmsr-2306	124	11	504	504	NUM
bjmsr-2306	124	12	omani	omani	ADJ
bjmsr-2306	124	13	respondents	respondent	NOUN
bjmsr-2306	124	14	through	through	ADP
bjmsr-2306	124	15	an	an	DET
bjmsr-2306	124	16	online	online	ADJ
bjmsr-2306	124	17	survey	survey	NOUN
bjmsr-2306	124	18	circulated	circulate	VERB
bjmsr-2306	124	19	via	via	ADP
bjmsr-2306	124	20	email	email	NOUN
bjmsr-2306	124	21	.	.	PUNCT
bjmsr-2306	125	1	the	the	DET
bjmsr-2306	125	2	survey	survey	NOUN
bjmsr-2306	125	3	instrument	instrument	NOUN
bjmsr-2306	125	4	included	include	VERB
bjmsr-2306	125	5	various	various	ADJ
bjmsr-2306	125	6	sections	section	NOUN
bjmsr-2306	125	7	to	to	PART
bjmsr-2306	125	8	collect	collect	VERB
bjmsr-2306	125	9	responses	response	NOUN
bjmsr-2306	125	10	about	about	ADP
bjmsr-2306	125	11	the	the	DET
bjmsr-2306	125	12	demographic	demographic	ADJ
bjmsr-2306	125	13	details	detail	NOUN
bjmsr-2306	125	14	of	of	ADP
bjmsr-2306	125	15	the	the	DET
bjmsr-2306	125	16	respondents	respondent	NOUN
bjmsr-2306	125	17	,	,	PUNCT
bjmsr-2306	125	18	investor	investor	NOUN
bjmsr-2306	125	19	psychology	psychology	NOUN
bjmsr-2306	125	20	,	,	PUNCT
bjmsr-2306	125	21	accounting	accounting	NOUN
bjmsr-2306	125	22	information	information	NOUN
bjmsr-2306	125	23	,	,	PUNCT
bjmsr-2306	125	24	fintech	fintech	NOUN
bjmsr-2306	125	25	exposure	exposure	NOUN
bjmsr-2306	125	26	,	,	PUNCT
bjmsr-2306	125	27	investment	investment	NOUN
bjmsr-2306	125	28	interest	interest	NOUN
bjmsr-2306	125	29	,	,	PUNCT
bjmsr-2306	125	30	and	and	CCONJ
bjmsr-2306	125	31	decision	decision	NOUN
bjmsr-2306	125	32	-	-	PUNCT
bjmsr-2306	125	33	making	making	NOUN
bjmsr-2306	125	34	.	.	PUNCT
bjmsr-2306	126	1	in	in	ADP
bjmsr-2306	126	2	the	the	DET
bjmsr-2306	126	3	opening	opening	NOUN
bjmsr-2306	126	4	section	section	NOUN
bjmsr-2306	126	5	of	of	ADP
bjmsr-2306	126	6	the	the	DET
bjmsr-2306	126	7	questionnaire	questionnaire	NOUN
bjmsr-2306	126	8	,	,	PUNCT
bjmsr-2306	126	9	respondents	respondent	NOUN
bjmsr-2306	126	10	were	be	AUX
bjmsr-2306	126	11	assured	assure	VERB
bjmsr-2306	126	12	about	about	ADP
bjmsr-2306	126	13	the	the	DET
bjmsr-2306	126	14	confidentiality	confidentiality	NOUN
bjmsr-2306	126	15	and	and	CCONJ
bjmsr-2306	126	16	ethical	ethical	ADJ
bjmsr-2306	126	17	use	use	NOUN
bjmsr-2306	126	18	of	of	ADP
bjmsr-2306	126	19	data	datum	NOUN
bjmsr-2306	126	20	collected	collect	VERB
bjmsr-2306	126	21	through	through	ADP
bjmsr-2306	126	22	the	the	DET
bjmsr-2306	126	23	survey	survey	NOUN
bjmsr-2306	126	24	.	.	PUNCT
bjmsr-2306	127	1	the	the	DET
bjmsr-2306	127	2	reliability	reliability	NOUN
bjmsr-2306	127	3	of	of	ADP
bjmsr-2306	127	4	the	the	DET
bjmsr-2306	127	5	questionnaire	questionnaire	NOUN
bjmsr-2306	127	6	was	be	AUX
bjmsr-2306	127	7	examined	examine	VERB
bjmsr-2306	127	8	using	use	VERB
bjmsr-2306	127	9	cronbach	cronbach	NOUN
bjmsr-2306	127	10	's	's	PART
bjmsr-2306	127	11	alpha	alpha	NOUN
bjmsr-2306	127	12	.	.	PUNCT
bjmsr-2306	128	1	as	as	SCONJ
bjmsr-2306	128	2	shown	show	VERB
bjmsr-2306	128	3	in	in	ADP
bjmsr-2306	128	4	table	table	NOUN
bjmsr-2306	128	5	1	1	NUM
bjmsr-2306	128	6	,	,	PUNCT
bjmsr-2306	128	7	the	the	DET
bjmsr-2306	128	8	cronbach	cronbach	NOUN
bjmsr-2306	128	9	's	's	PART
bjmsr-2306	128	10	alpha	alpha	NOUN
bjmsr-2306	128	11	for	for	ADP
bjmsr-2306	128	12	research	research	NOUN
bjmsr-2306	128	13	variables	variable	NOUN
bjmsr-2306	128	14	was	be	AUX
bjmsr-2306	128	15	more	more	ADJ
bjmsr-2306	128	16	than	than	ADP
bjmsr-2306	128	17	0.8	0.8	NUM
bjmsr-2306	128	18	,	,	PUNCT
bjmsr-2306	128	19	which	which	PRON
bjmsr-2306	128	20	shows	show	VERB
bjmsr-2306	128	21	that	that	SCONJ
bjmsr-2306	128	22	the	the	DET
bjmsr-2306	128	23	scales	scale	NOUN
bjmsr-2306	128	24	were	be	AUX
bjmsr-2306	128	25	reliable	reliable	ADJ
bjmsr-2306	128	26	.	.	PUNCT
bjmsr-2306	129	1	table	table	NOUN
bjmsr-2306	129	2	1	1	NUM
bjmsr-2306	129	3	.	.	PUNCT
bjmsr-2306	130	1	scale	scale	NOUN
bjmsr-2306	130	2	reliability	reliability	NOUN
bjmsr-2306	130	3	s.n	s.n	PROPN
bjmsr-2306	130	4	.	.	PROPN
bjmsr-2306	130	5	scale	scale	NOUN
bjmsr-2306	130	6	number	number	NOUN
bjmsr-2306	130	7	of	of	ADP
bjmsr-2306	130	8	items	item	NOUN
bjmsr-2306	130	9	cronbach	cronbach	VERB
bjmsr-2306	130	10	's	's	PART
bjmsr-2306	130	11	alpha	alpha	NOUN
bjmsr-2306	130	12	1	1	NUM
bjmsr-2306	130	13	investor	investor	NOUN
bjmsr-2306	130	14	's	's	PART
bjmsr-2306	130	15	psychology	psychology	NOUN
bjmsr-2306	130	16	13	13	NUM
bjmsr-2306	130	17	0.90	0.90	NUM
bjmsr-2306	130	18	2	2	NUM
bjmsr-2306	130	19	accounting	accounting	NOUN
bjmsr-2306	130	20	information	information	NOUN
bjmsr-2306	130	21	7	7	NUM
bjmsr-2306	130	22	0.92	0.92	NUM
bjmsr-2306	130	23	3	3	NUM
bjmsr-2306	130	24	fintech	fintech	NOUN
bjmsr-2306	130	25	exposure	exposure	NOUN
bjmsr-2306	130	26	7	7	NUM
bjmsr-2306	130	27	0.92	0.92	NUM
bjmsr-2306	130	28	4	4	NUM
bjmsr-2306	130	29	investment	investment	NOUN
bjmsr-2306	130	30	interest	interest	NOUN
bjmsr-2306	130	31	7	7	NUM
bjmsr-2306	130	32	0.89	0.89	NUM
bjmsr-2306	130	33	5	5	NUM
bjmsr-2306	130	34	decision	decision	NOUN
bjmsr-2306	130	35	-	-	PUNCT
bjmsr-2306	130	36	making	make	VERB
bjmsr-2306	130	37	7	7	NUM
bjmsr-2306	130	38	0.89	0.89	NUM
bjmsr-2306	130	39	to	to	PART
bjmsr-2306	130	40	add	add	VERB
bjmsr-2306	130	41	to	to	ADP
bjmsr-2306	130	42	the	the	DET
bjmsr-2306	130	43	research	research	NOUN
bjmsr-2306	130	44	context	context	NOUN
bjmsr-2306	130	45	and	and	CCONJ
bjmsr-2306	130	46	demographic	demographic	ADJ
bjmsr-2306	130	47	details	detail	NOUN
bjmsr-2306	130	48	of	of	ADP
bjmsr-2306	130	49	the	the	DET
bjmsr-2306	130	50	respondents	respondent	NOUN
bjmsr-2306	130	51	,	,	PUNCT
bjmsr-2306	130	52	data	datum	NOUN
bjmsr-2306	130	53	presented	present	VERB
bjmsr-2306	130	54	in	in	ADP
bjmsr-2306	130	55	table	table	NOUN
bjmsr-2306	130	56	2	2	NUM
bjmsr-2306	130	57	shows	show	VERB
bjmsr-2306	130	58	that	that	SCONJ
bjmsr-2306	130	59	this	this	DET
bjmsr-2306	130	60	study	study	NOUN
bjmsr-2306	130	61	covered	cover	VERB
bjmsr-2306	130	62	most	most	ADJ
bjmsr-2306	130	63	of	of	ADP
bjmsr-2306	130	64	the	the	DET
bjmsr-2306	130	65	significant	significant	ADJ
bjmsr-2306	130	66	governorates	governorate	NOUN
bjmsr-2306	130	67	of	of	ADP
bjmsr-2306	130	68	the	the	DET
bjmsr-2306	130	69	sultanate	sultanate	NOUN
bjmsr-2306	130	70	of	of	ADP
bjmsr-2306	130	71	oman	oman	NOUN
bjmsr-2306	130	72	.	.	PUNCT
bjmsr-2306	131	1	a	a	DET
bjmsr-2306	131	2	total	total	NOUN
bjmsr-2306	131	3	of	of	ADP
bjmsr-2306	131	4	71.4	71.4	NUM
bjmsr-2306	131	5	%	%	NOUN
bjmsr-2306	131	6	of	of	ADP
bjmsr-2306	131	7	the	the	DET
bjmsr-2306	131	8	respondents	respondent	NOUN
bjmsr-2306	131	9	represented	represent	VERB
bjmsr-2306	131	10	north	north	PROPN
bjmsr-2306	131	11	al	al	PROPN
bjmsr-2306	131	12	batinah	batinah	PROPN
bjmsr-2306	131	13	,	,	PUNCT
bjmsr-2306	131	14	followed	follow	VERB
bjmsr-2306	131	15	by	by	ADP
bjmsr-2306	131	16	buraimi	buraimi	PROPN
bjmsr-2306	131	17	,	,	PUNCT
bjmsr-2306	131	18	which	which	PRON
bjmsr-2306	131	19	was	be	AUX
bjmsr-2306	131	20	represented	represent	VERB
bjmsr-2306	131	21	by	by	ADP
bjmsr-2306	131	22	9.5	9.5	NUM
bjmsr-2306	131	23	%	%	NOUN
bjmsr-2306	131	24	of	of	ADP
bjmsr-2306	131	25	the	the	DET
bjmsr-2306	131	26	respondents	respondent	NOUN
bjmsr-2306	131	27	.	.	PUNCT
bjmsr-2306	132	1	a	a	DET
bjmsr-2306	132	2	total	total	NOUN
bjmsr-2306	132	3	of	of	ADP
bjmsr-2306	132	4	2.4	2.4	NUM
bjmsr-2306	132	5	%	%	NOUN
bjmsr-2306	132	6	of	of	ADP
bjmsr-2306	132	7	respondents	respondent	NOUN
bjmsr-2306	132	8	represented	represent	VERB
bjmsr-2306	132	9	each	each	PRON
bjmsr-2306	132	10	of	of	ADP
bjmsr-2306	132	11	al	al	PROPN
bjmsr-2306	132	12	dhahira	dhahira	PROPN
bjmsr-2306	132	13	and	and	CCONJ
bjmsr-2306	132	14	musandam	musandam	NOUN
bjmsr-2306	132	15	separately	separately	ADV
bjmsr-2306	132	16	.	.	PUNCT
bjmsr-2306	133	1	muscat	muscat	PROPN
bjmsr-2306	133	2	,	,	PUNCT
bjmsr-2306	133	3	al	al	PROPN
bjmsr-2306	133	4	dakhiliya	dakhiliya	PROPN
bjmsr-2306	133	5	,	,	PUNCT
bjmsr-2306	133	6	south	south	PROPN
bjmsr-2306	133	7	al	al	PROPN
bjmsr-2306	133	8	batinah	batinah	PROPN
bjmsr-2306	133	9	,	,	PUNCT
bjmsr-2306	133	10	and	and	CCONJ
bjmsr-2306	133	11	others	other	NOUN
bjmsr-2306	133	12	were	be	AUX
bjmsr-2306	133	13	each	each	PRON
bjmsr-2306	133	14	represented	represent	VERB
bjmsr-2306	133	15	by	by	ADP
bjmsr-2306	133	16	3.6	3.6	NUM
bjmsr-2306	133	17	%	%	NOUN
bjmsr-2306	133	18	of	of	ADP
bjmsr-2306	133	19	respondents	respondent	NOUN
bjmsr-2306	133	20	.	.	PUNCT
bjmsr-2306	134	1	moreover	moreover	ADV
bjmsr-2306	134	2	,	,	PUNCT
bjmsr-2306	134	3	the	the	DET
bjmsr-2306	134	4	respondents	respondent	NOUN
bjmsr-2306	134	5	of	of	ADP
bjmsr-2306	134	6	this	this	DET
bjmsr-2306	134	7	study	study	NOUN
bjmsr-2306	134	8	included	include	VERB
bjmsr-2306	134	9	72.6	72.6	NUM
bjmsr-2306	134	10	%	%	NOUN
bjmsr-2306	134	11	females	female	NOUN
bjmsr-2306	134	12	and	and	CCONJ
bjmsr-2306	134	13	27.4	27.4	NUM
bjmsr-2306	134	14	%	%	NOUN
bjmsr-2306	134	15	males	male	NOUN
bjmsr-2306	134	16	.	.	PUNCT
bjmsr-2306	135	1	this	this	DET
bjmsr-2306	135	2	study	study	NOUN
bjmsr-2306	135	3	involved	involve	VERB
bjmsr-2306	135	4	respondents	respondent	NOUN
bjmsr-2306	135	5	with	with	ADP
bjmsr-2306	135	6	a	a	DET
bjmsr-2306	135	7	minimum	minimum	ADJ
bjmsr-2306	135	8	age	age	NOUN
bjmsr-2306	135	9	of	of	ADP
bjmsr-2306	135	10	20	20	NUM
bjmsr-2306	135	11	years	year	NOUN
bjmsr-2306	135	12	.	.	PUNCT
bjmsr-2306	136	1	additionally	additionally	ADV
bjmsr-2306	136	2	,	,	PUNCT
bjmsr-2306	136	3	the	the	DET
bjmsr-2306	136	4	education	education	NOUN
bjmsr-2306	136	5	profile	profile	NOUN
bjmsr-2306	136	6	of	of	ADP
bjmsr-2306	136	7	the	the	DET
bjmsr-2306	136	8	respondents	respondent	NOUN
bjmsr-2306	136	9	shows	show	VERB
bjmsr-2306	136	10	that	that	SCONJ
bjmsr-2306	136	11	11.9	11.9	NUM
bjmsr-2306	136	12	%	%	NOUN
bjmsr-2306	136	13	of	of	ADP
bjmsr-2306	136	14	the	the	DET
bjmsr-2306	136	15	respondents	respondent	NOUN
bjmsr-2306	136	16	had	have	AUX
bjmsr-2306	136	17	accomplished	accomplish	VERB
bjmsr-2306	136	18	their	their	PRON
bjmsr-2306	136	19	high	high	ADJ
bjmsr-2306	136	20	school	school	NOUN
bjmsr-2306	136	21	studies	study	NOUN
bjmsr-2306	136	22	,	,	PUNCT
bjmsr-2306	136	23	whereas	whereas	SCONJ
bjmsr-2306	136	24	others	other	NOUN
bjmsr-2306	136	25	had	have	AUX
bjmsr-2306	136	26	accomplished	accomplish	VERB
bjmsr-2306	136	27	graduate	graduate	NOUN
bjmsr-2306	136	28	(	(	PUNCT
bjmsr-2306	136	29	71.4	71.4	NUM
bjmsr-2306	136	30	%	%	NOUN
bjmsr-2306	136	31	)	)	PUNCT
bjmsr-2306	136	32	,	,	PUNCT
bjmsr-2306	136	33	postgraduate	postgraduate	NOUN
bjmsr-2306	136	34	(	(	PUNCT
bjmsr-2306	136	35	9.5	9.5	NUM
bjmsr-2306	136	36	%	%	NOUN
bjmsr-2306	136	37	)	)	PUNCT
bjmsr-2306	136	38	,	,	PUNCT
bjmsr-2306	136	39	and	and	CCONJ
bjmsr-2306	136	40	doctoral	doctoral	ADJ
bjmsr-2306	136	41	degrees	degree	NOUN
bjmsr-2306	136	42	(	(	PUNCT
bjmsr-2306	136	43	4.8	4.8	NUM
bjmsr-2306	136	44	%	%	NOUN
bjmsr-2306	136	45	)	)	PUNCT
bjmsr-2306	136	46	.	.	PUNCT
bjmsr-2306	137	1	a	a	DET
bjmsr-2306	137	2	total	total	NOUN
bjmsr-2306	137	3	of	of	ADP
bjmsr-2306	137	4	2.4	2.4	NUM
bjmsr-2306	137	5	%	%	NOUN
bjmsr-2306	137	6	of	of	ADP
bjmsr-2306	137	7	respondents	respondent	NOUN
bjmsr-2306	137	8	had	have	AUX
bjmsr-2306	137	9	accomplished	accomplish	VERB
bjmsr-2306	137	10	some	some	DET
bjmsr-2306	137	11	other	other	ADJ
bjmsr-2306	137	12	certificates	certificate	NOUN
bjmsr-2306	137	13	such	such	ADJ
bjmsr-2306	137	14	as	as	ADP
bjmsr-2306	137	15	diplomas	diploma	NOUN
bjmsr-2306	137	16	,	,	PUNCT
bjmsr-2306	137	17	etc	etc	X
bjmsr-2306	137	18	.	.	X
bjmsr-2306	137	19	a	a	DET
bjmsr-2306	137	20	total	total	NOUN
bjmsr-2306	137	21	of	of	ADP
bjmsr-2306	137	22	52.4	52.4	NUM
bjmsr-2306	137	23	%	%	NOUN
bjmsr-2306	137	24	of	of	ADP
bjmsr-2306	137	25	the	the	DET
bjmsr-2306	137	26	respondents	respondent	NOUN
bjmsr-2306	137	27	were	be	AUX
bjmsr-2306	137	28	married	marry	VERB
bjmsr-2306	137	29	,	,	PUNCT
bjmsr-2306	137	30	and	and	CCONJ
bjmsr-2306	137	31	47.6	47.6	NUM
bjmsr-2306	137	32	%	%	NOUN
bjmsr-2306	137	33	were	be	AUX
bjmsr-2306	137	34	unmarried	unmarried	ADJ
bjmsr-2306	137	35	,	,	PUNCT
bjmsr-2306	137	36	which	which	PRON
bjmsr-2306	137	37	shows	show	VERB
bjmsr-2306	137	38	that	that	SCONJ
bjmsr-2306	137	39	a	a	DET
bjmsr-2306	137	40	large	large	ADJ
bjmsr-2306	137	41	proportion	proportion	NOUN
bjmsr-2306	137	42	of	of	ADP
bjmsr-2306	137	43	the	the	DET
bjmsr-2306	137	44	respondents	respondent	NOUN
bjmsr-2306	137	45	were	be	AUX
bjmsr-2306	137	46	young	young	ADJ
bjmsr-2306	137	47	and	and	CCONJ
bjmsr-2306	137	48	single	single	ADJ
bjmsr-2306	137	49	.	.	PUNCT
bjmsr-2306	138	1	the	the	DET
bjmsr-2306	138	2	income	income	NOUN
bjmsr-2306	138	3	profile	profile	NOUN
bjmsr-2306	138	4	of	of	ADP
bjmsr-2306	138	5	the	the	DET
bjmsr-2306	138	6	respondents	respondent	NOUN
bjmsr-2306	138	7	shows	show	VERB
bjmsr-2306	138	8	that	that	SCONJ
bjmsr-2306	138	9	47.6	47.6	NUM
bjmsr-2306	138	10	%	%	NOUN
bjmsr-2306	138	11	of	of	ADP
bjmsr-2306	138	12	the	the	DET
bjmsr-2306	138	13	respondents	respondent	NOUN
bjmsr-2306	138	14	had	have	VERB
bjmsr-2306	138	15	monthly	monthly	ADJ
bjmsr-2306	138	16	individual	individual	ADJ
bjmsr-2306	138	17	income	income	NOUN
bjmsr-2306	138	18	less	less	ADJ
bjmsr-2306	138	19	than	than	ADP
bjmsr-2306	138	20	500	500	NUM
bjmsr-2306	138	21	omani	omani	ADJ
bjmsr-2306	138	22	rials	rial	NOUN
bjmsr-2306	138	23	(	(	PUNCT
bjmsr-2306	138	24	omr	omr	NOUN
bjmsr-2306	138	25	)	)	PUNCT
bjmsr-2306	138	26	;	;	PUNCT
bjmsr-2306	138	27	however	however	ADV
bjmsr-2306	138	28	,	,	PUNCT
bjmsr-2306	138	29	29.8	29.8	NUM
bjmsr-2306	138	30	%	%	NOUN
bjmsr-2306	138	31	of	of	ADP
bjmsr-2306	138	32	the	the	DET
bjmsr-2306	138	33	respondents	respondent	NOUN
bjmsr-2306	138	34	had	have	VERB
bjmsr-2306	138	35	a	a	DET
bjmsr-2306	138	36	monthly	monthly	ADJ
bjmsr-2306	138	37	income	income	NOUN
bjmsr-2306	138	38	of	of	ADP
bjmsr-2306	138	39	501	501	NUM
bjmsr-2306	138	40	-	-	SYM
bjmsr-2306	138	41	1000	1000	NUM
bjmsr-2306	138	42	omr	omr	NOUN
bjmsr-2306	138	43	,	,	PUNCT
bjmsr-2306	138	44	respondents	respondent	NOUN
bjmsr-2306	138	45	earning	earn	VERB
bjmsr-2306	138	46	1500	1500	NUM
bjmsr-2306	138	47	-	-	SYM
bjmsr-2306	138	48	2000	2000	NUM
bjmsr-2306	138	49	omr	omr	NOUN
bjmsr-2306	138	50	,	,	PUNCT
bjmsr-2306	138	51	and	and	CCONJ
bjmsr-2306	138	52	more	more	ADJ
bjmsr-2306	138	53	than	than	ADP
bjmsr-2306	138	54	2000	2000	NUM
bjmsr-2306	138	55	omr	omr	NOUN
bjmsr-2306	138	56	monthly	monthly	ADV
bjmsr-2306	138	57	counted	count	VERB
bjmsr-2306	138	58	for	for	ADP
bjmsr-2306	138	59	6.0	6.0	NUM
bjmsr-2306	138	60	%	%	NOUN
bjmsr-2306	138	61	in	in	ADP
bjmsr-2306	138	62	each	each	DET
bjmsr-2306	138	63	category	category	NOUN
bjmsr-2306	138	64	(	(	PUNCT
bjmsr-2306	138	65	see	see	VERB
bjmsr-2306	138	66	table	table	NOUN
bjmsr-2306	138	67	2	2	NUM
bjmsr-2306	138	68	)	)	PUNCT
bjmsr-2306	138	69	.	.	PUNCT
bjmsr-2306	139	1	table	table	NOUN
bjmsr-2306	139	2	2	2	NUM
bjmsr-2306	139	3	.	.	PUNCT
bjmsr-2306	140	1	respondent	respondent	NOUN
bjmsr-2306	140	2	's	's	PART
bjmsr-2306	140	3	demographic	demographic	ADJ
bjmsr-2306	140	4	profile	profile	NOUN
bjmsr-2306	140	5	variables	variable	NOUN
bjmsr-2306	140	6	particulars	particular	VERB
bjmsr-2306	140	7	frequency	frequency	NOUN
bjmsr-2306	140	8	percent	percent	NOUN
bjmsr-2306	140	9	region	region	NOUN
bjmsr-2306	140	10	north	north	PROPN
bjmsr-2306	140	11	al	al	PROPN
bjmsr-2306	140	12	batinah	batinah	PROPN
bjmsr-2306	141	1	360	360	NUM
bjmsr-2306	141	2	71.4	71.4	NUM
bjmsr-2306	141	3	muscat	muscat	NOUN
bjmsr-2306	141	4	18	18	NUM
bjmsr-2306	141	5	3.6	3.6	NUM
bjmsr-2306	141	6	al	al	PROPN
bjmsr-2306	141	7	dakhiliya	dakhiliya	PROPN
bjmsr-2306	141	8	18	18	NUM
bjmsr-2306	141	9	3.6	3.6	NUM
bjmsr-2306	141	10	zaheeruddin	zaheeruddin	PROPN
bjmsr-2306	141	11	&	&	CCONJ
bjmsr-2306	141	12	kumar	kumar	PROPN
bjmsr-2306	141	13	,	,	PUNCT
bjmsr-2306	141	14	bangladesh	bangladesh	PROPN
bjmsr-2306	141	15	journal	journal	NOUN
bjmsr-2306	141	16	of	of	ADP
bjmsr-2306	141	17	multidisciplinary	multidisciplinary	ADJ
bjmsr-2306	141	18	scientific	scientific	ADJ
bjmsr-2306	141	19	research	research	NOUN
bjmsr-2306	141	20	10(2	10(2	NUM
bjmsr-2306	141	21	)	)	PUNCT
bjmsr-2306	141	22	(	(	PUNCT
bjmsr-2306	141	23	2025	2025	NUM
bjmsr-2306	141	24	)	)	PUNCT
bjmsr-2306	141	25	,	,	PUNCT
bjmsr-2306	141	26	12	12	NUM
bjmsr-2306	141	27	-	-	SYM
bjmsr-2306	141	28	20	20	NUM
bjmsr-2306	141	29	16	16	NUM
bjmsr-2306	141	30	al	al	PROPN
bjmsr-2306	141	31	dhahira	dhahira	PROPN
bjmsr-2306	141	32	12	12	NUM
bjmsr-2306	141	33	2.4	2.4	NUM
bjmsr-2306	141	34	south	south	NOUN
bjmsr-2306	141	35	al	al	PROPN
bjmsr-2306	141	36	batinah	batinah	PROPN
bjmsr-2306	141	37	18	18	NUM
bjmsr-2306	141	38	3.6	3.6	NUM
bjmsr-2306	141	39	musandam	musandam	NOUN
bjmsr-2306	141	40	12	12	NUM
bjmsr-2306	141	41	2.4	2.4	NUM
bjmsr-2306	141	42	buraimi	buraimi	NOUN
bjmsr-2306	141	43	48	48	NUM
bjmsr-2306	141	44	9.5	9.5	NUM
bjmsr-2306	141	45	others	other	NOUN
bjmsr-2306	141	46	18	18	NUM
bjmsr-2306	141	47	3.6	3.6	NUM
bjmsr-2306	141	48	gender	gender	NOUN
bjmsr-2306	141	49	male	male	NOUN
bjmsr-2306	141	50	138	138	NUM
bjmsr-2306	141	51	27.4	27.4	NUM
bjmsr-2306	141	52	female	female	NOUN
bjmsr-2306	141	53	366	366	NUM
bjmsr-2306	141	54	72.6	72.6	NUM
bjmsr-2306	141	55	age	age	NOUN
bjmsr-2306	141	56	20	20	NUM
bjmsr-2306	141	57	-	-	SYM
bjmsr-2306	141	58	30	30	NUM
bjmsr-2306	141	59	years	year	NOUN
bjmsr-2306	141	60	312	312	NUM
bjmsr-2306	141	61	61.9	61.9	NUM
bjmsr-2306	141	62	31	31	NUM
bjmsr-2306	141	63	-	-	SYM
bjmsr-2306	141	64	40	40	NUM
bjmsr-2306	141	65	years	year	NOUN
bjmsr-2306	141	66	102	102	NUM
bjmsr-2306	141	67	20.2	20.2	NUM
bjmsr-2306	141	68	41	41	NUM
bjmsr-2306	141	69	-	-	SYM
bjmsr-2306	141	70	50	50	NUM
bjmsr-2306	141	71	years	year	NOUN
bjmsr-2306	141	72	78	78	NUM
bjmsr-2306	141	73	15.5	15.5	NUM
bjmsr-2306	141	74	more	more	ADJ
bjmsr-2306	141	75	than	than	ADP
bjmsr-2306	141	76	50	50	NUM
bjmsr-2306	141	77	years	year	NOUN
bjmsr-2306	141	78	12	12	NUM
bjmsr-2306	141	79	2.4	2.4	NUM
bjmsr-2306	141	80	education	education	NOUN
bjmsr-2306	141	81	graduate	graduate	NOUN
bjmsr-2306	141	82	360	360	NUM
bjmsr-2306	141	83	71.4	71.4	NUM
bjmsr-2306	141	84	post	post	NOUN
bjmsr-2306	141	85	graduate	graduate	NOUN
bjmsr-2306	141	86	48	48	NUM
bjmsr-2306	141	87	9.5	9.5	NUM
bjmsr-2306	141	88	doctorate	doctorate	NOUN
bjmsr-2306	141	89	24	24	NUM
bjmsr-2306	141	90	4.8	4.8	NUM
bjmsr-2306	141	91	high	high	ADJ
bjmsr-2306	141	92	school	school	NOUN
bjmsr-2306	141	93	60	60	NUM
bjmsr-2306	141	94	11.9	11.9	NUM
bjmsr-2306	141	95	other	other	ADJ
bjmsr-2306	141	96	12	12	NUM
bjmsr-2306	141	97	2.4	2.4	NUM
bjmsr-2306	141	98	marital	marital	ADJ
bjmsr-2306	141	99	status	status	NOUN
bjmsr-2306	141	100	married	marry	VERB
bjmsr-2306	141	101	264	264	NUM
bjmsr-2306	141	102	52.4	52.4	NUM
bjmsr-2306	141	103	unmarried	unmarried	ADJ
bjmsr-2306	141	104	240	240	NUM
bjmsr-2306	141	105	47.6	47.6	NUM
bjmsr-2306	141	106	monthly	monthly	ADJ
bjmsr-2306	141	107	income	income	NOUN
bjmsr-2306	141	108	<	<	X
bjmsr-2306	141	109	500	500	NUM
bjmsr-2306	141	110	omr	omr	NOUN
bjmsr-2306	141	111	240	240	NUM
bjmsr-2306	141	112	47.6	47.6	NUM
bjmsr-2306	141	113	501	501	NUM
bjmsr-2306	141	114	-	-	SYM
bjmsr-2306	141	115	1000	1000	NUM
bjmsr-2306	141	116	omr	omr	NOUN
bjmsr-2306	141	117	150	150	NUM
bjmsr-2306	141	118	29.8	29.8	NUM
bjmsr-2306	141	119	1001	1001	NUM
bjmsr-2306	141	120	-	-	SYM
bjmsr-2306	141	121	1500	1500	NUM
bjmsr-2306	141	122	omr	omr	NOUN
bjmsr-2306	141	123	54	54	NUM
bjmsr-2306	141	124	10.7	10.7	NUM
bjmsr-2306	141	125	1500	1500	NUM
bjmsr-2306	141	126	2000	2000	NUM
bjmsr-2306	141	127	omr	omr	NOUN
bjmsr-2306	141	128	30	30	NUM
bjmsr-2306	141	129	6.0	6.0	NUM
bjmsr-2306	141	130	>	>	SYM
bjmsr-2306	141	131	2000	2000	NUM
bjmsr-2306	141	132	omr	omr	NOUN
bjmsr-2306	141	133	30	30	NUM
bjmsr-2306	141	134	6.0	6.0	NUM
bjmsr-2306	141	135	correlation	correlation	NOUN
bjmsr-2306	141	136	coefficients	coefficient	NOUN
bjmsr-2306	141	137	were	be	AUX
bjmsr-2306	141	138	computed	compute	VERB
bjmsr-2306	141	139	to	to	PART
bjmsr-2306	141	140	examine	examine	VERB
bjmsr-2306	141	141	the	the	DET
bjmsr-2306	141	142	relationships	relationship	NOUN
bjmsr-2306	141	143	between	between	ADP
bjmsr-2306	141	144	variables	variable	NOUN
bjmsr-2306	141	145	.	.	PUNCT
bjmsr-2306	142	1	as	as	SCONJ
bjmsr-2306	142	2	shown	show	VERB
bjmsr-2306	142	3	in	in	ADP
bjmsr-2306	142	4	table	table	NOUN
bjmsr-2306	142	5	3	3	NUM
bjmsr-2306	142	6	,	,	PUNCT
bjmsr-2306	142	7	an	an	DET
bjmsr-2306	142	8	investor	investor	NOUN
bjmsr-2306	142	9	's	's	PART
bjmsr-2306	142	10	psychology	psychology	NOUN
bjmsr-2306	142	11	is	be	AUX
bjmsr-2306	142	12	optimistic	optimistic	ADJ
bjmsr-2306	142	13	with	with	ADP
bjmsr-2306	142	14	the	the	DET
bjmsr-2306	142	15	accounting	accounting	NOUN
bjmsr-2306	142	16	information	information	NOUN
bjmsr-2306	142	17	(	(	PUNCT
bjmsr-2306	142	18	r	r	NOUN
bjmsr-2306	142	19	=	=	SYM
bjmsr-2306	142	20	0.71	0.71	NUM
bjmsr-2306	142	21	,	,	PUNCT
bjmsr-2306	142	22	sig	sig	NOUN
bjmsr-2306	142	23	.	.	PUNCT
bjmsr-2306	143	1	0.01	0.01	NUM
bjmsr-2306	143	2	levels	level	NOUN
bjmsr-2306	143	3	)	)	PUNCT
bjmsr-2306	144	1	;	;	PUNCT
bjmsr-2306	144	2	this	this	PRON
bjmsr-2306	144	3	indicates	indicate	VERB
bjmsr-2306	144	4	that	that	SCONJ
bjmsr-2306	144	5	an	an	DET
bjmsr-2306	144	6	individual	individual	NOUN
bjmsr-2306	144	7	with	with	ADP
bjmsr-2306	144	8	a	a	DET
bjmsr-2306	144	9	positive	positive	ADJ
bjmsr-2306	144	10	psychology	psychology	NOUN
bjmsr-2306	144	11	toward	toward	ADP
bjmsr-2306	144	12	investment	investment	NOUN
bjmsr-2306	144	13	will	will	AUX
bjmsr-2306	144	14	be	be	AUX
bjmsr-2306	144	15	equipped	equip	VERB
bjmsr-2306	144	16	with	with	ADP
bjmsr-2306	144	17	accounting	accounting	NOUN
bjmsr-2306	144	18	information	information	NOUN
bjmsr-2306	144	19	.	.	PUNCT
bjmsr-2306	145	1	further	far	ADV
bjmsr-2306	145	2	,	,	PUNCT
bjmsr-2306	145	3	investor	investor	NOUN
bjmsr-2306	145	4	psychology	psychology	NOUN
bjmsr-2306	145	5	and	and	CCONJ
bjmsr-2306	145	6	fintech	fintech	NOUN
bjmsr-2306	145	7	exposure	exposure	NOUN
bjmsr-2306	145	8	are	be	AUX
bjmsr-2306	145	9	associated	associate	VERB
bjmsr-2306	145	10	positively	positively	ADV
bjmsr-2306	145	11	(	(	PUNCT
bjmsr-2306	145	12	r	r	NOUN
bjmsr-2306	145	13	=	=	SYM
bjmsr-2306	145	14	0.62	0.62	NUM
bjmsr-2306	145	15	,	,	PUNCT
bjmsr-2306	145	16	sig	sig	NOUN
bjmsr-2306	145	17	.	.	PUNCT
bjmsr-2306	146	1	0.01	0.01	NUM
bjmsr-2306	146	2	levels	level	NOUN
bjmsr-2306	146	3	)	)	PUNCT
bjmsr-2306	146	4	,	,	PUNCT
bjmsr-2306	146	5	which	which	PRON
bjmsr-2306	146	6	indicates	indicate	VERB
bjmsr-2306	146	7	that	that	SCONJ
bjmsr-2306	146	8	an	an	DET
bjmsr-2306	146	9	individual	individual	NOUN
bjmsr-2306	146	10	with	with	ADP
bjmsr-2306	146	11	fintech	fintech	NOUN
bjmsr-2306	146	12	exposure	exposure	NOUN
bjmsr-2306	146	13	will	will	AUX
bjmsr-2306	146	14	show	show	VERB
bjmsr-2306	146	15	positive	positive	ADJ
bjmsr-2306	146	16	investor	investor	NOUN
bjmsr-2306	146	17	psychology	psychology	NOUN
bjmsr-2306	146	18	.	.	PUNCT
bjmsr-2306	147	1	additionally	additionally	ADV
bjmsr-2306	147	2	,	,	PUNCT
bjmsr-2306	147	3	investor	investor	NOUN
bjmsr-2306	147	4	's	's	PART
bjmsr-2306	147	5	psychology	psychology	NOUN
bjmsr-2306	147	6	associates	associate	NOUN
bjmsr-2306	147	7	positively	positively	ADV
bjmsr-2306	147	8	(	(	PUNCT
bjmsr-2306	147	9	r	r	NOUN
bjmsr-2306	147	10	=	=	SYM
bjmsr-2306	147	11	0.72	0.72	NUM
bjmsr-2306	147	12	,	,	PUNCT
bjmsr-2306	147	13	sig	sig	NOUN
bjmsr-2306	147	14	.	.	PUNCT
bjmsr-2306	148	1	0.01	0.01	NUM
bjmsr-2306	148	2	levels	level	NOUN
bjmsr-2306	148	3	)	)	PUNCT
bjmsr-2306	148	4	with	with	ADP
bjmsr-2306	148	5	investment	investment	NOUN
bjmsr-2306	148	6	interest	interest	NOUN
bjmsr-2306	148	7	.	.	PUNCT
bjmsr-2306	149	1	the	the	DET
bjmsr-2306	149	2	available	available	ADJ
bjmsr-2306	149	3	statistics	statistic	NOUN
bjmsr-2306	149	4	show	show	VERB
bjmsr-2306	149	5	that	that	SCONJ
bjmsr-2306	149	6	an	an	DET
bjmsr-2306	149	7	individual	individual	NOUN
bjmsr-2306	149	8	with	with	ADP
bjmsr-2306	149	9	a	a	DET
bjmsr-2306	149	10	positive	positive	ADJ
bjmsr-2306	149	11	investor	investor	NOUN
bjmsr-2306	149	12	psychology	psychology	NOUN
bjmsr-2306	149	13	will	will	AUX
bjmsr-2306	149	14	show	show	VERB
bjmsr-2306	149	15	high	high	ADJ
bjmsr-2306	149	16	investment	investment	NOUN
bjmsr-2306	149	17	interest	interest	NOUN
bjmsr-2306	149	18	.	.	PUNCT
bjmsr-2306	150	1	also	also	ADV
bjmsr-2306	150	2	,	,	PUNCT
bjmsr-2306	150	3	a	a	DET
bjmsr-2306	150	4	similar	similar	ADJ
bjmsr-2306	150	5	positive	positive	ADJ
bjmsr-2306	150	6	relationship	relationship	NOUN
bjmsr-2306	150	7	was	be	AUX
bjmsr-2306	150	8	observed	observe	VERB
bjmsr-2306	150	9	between	between	ADP
bjmsr-2306	150	10	investors	investor	NOUN
bjmsr-2306	150	11	'	'	PART
bjmsr-2306	150	12	psychology	psychology	NOUN
bjmsr-2306	150	13	and	and	CCONJ
bjmsr-2306	150	14	decision	decision	NOUN
bjmsr-2306	150	15	-	-	PUNCT
bjmsr-2306	150	16	making	making	NOUN
bjmsr-2306	150	17	(	(	PUNCT
bjmsr-2306	150	18	r	r	NOUN
bjmsr-2306	150	19	=	=	SYM
bjmsr-2306	150	20	0.69	0.69	NUM
bjmsr-2306	150	21	,	,	PUNCT
bjmsr-2306	150	22	sig	sig	NOUN
bjmsr-2306	150	23	.	.	PUNCT
bjmsr-2306	151	1	0.01	0.01	NUM
bjmsr-2306	151	2	levels	level	NOUN
bjmsr-2306	151	3	)	)	PUNCT
bjmsr-2306	151	4	.	.	PUNCT
bjmsr-2306	152	1	other	other	ADJ
bjmsr-2306	152	2	dyadic	dyadic	ADJ
bjmsr-2306	152	3	combinations	combination	NOUN
bjmsr-2306	152	4	between	between	ADP
bjmsr-2306	152	5	variables	variable	NOUN
bjmsr-2306	152	6	were	be	AUX
bjmsr-2306	152	7	also	also	ADV
bjmsr-2306	152	8	found	find	VERB
bjmsr-2306	152	9	to	to	PART
bjmsr-2306	152	10	be	be	AUX
bjmsr-2306	152	11	positively	positively	ADV
bjmsr-2306	152	12	correlated	correlate	VERB
bjmsr-2306	152	13	,	,	PUNCT
bjmsr-2306	152	14	such	such	ADJ
bjmsr-2306	152	15	as	as	ADP
bjmsr-2306	152	16	accounting	accounting	NOUN
bjmsr-2306	152	17	information	information	NOUN
bjmsr-2306	152	18	associates	associate	NOUN
bjmsr-2306	152	19	positively	positively	ADV
bjmsr-2306	152	20	(	(	PUNCT
bjmsr-2306	152	21	r	r	NOUN
bjmsr-2306	152	22	=	=	SYM
bjmsr-2306	152	23	0.70	0.70	NUM
bjmsr-2306	152	24	,	,	PUNCT
bjmsr-2306	152	25	sig	sig	NOUN
bjmsr-2306	152	26	.	.	PUNCT
bjmsr-2306	153	1	0.01	0.01	NUM
bjmsr-2306	153	2	levels	level	NOUN
bjmsr-2306	153	3	)	)	PUNCT
bjmsr-2306	153	4	with	with	ADP
bjmsr-2306	153	5	investment	investment	NOUN
bjmsr-2306	153	6	interest	interest	NOUN
bjmsr-2306	153	7	;	;	PUNCT
bjmsr-2306	153	8	and	and	CCONJ
bjmsr-2306	153	9	decision	decision	NOUN
bjmsr-2306	153	10	-	-	PUNCT
bjmsr-2306	153	11	making	making	NOUN
bjmsr-2306	153	12	(	(	PUNCT
bjmsr-2306	153	13	r	r	NOUN
bjmsr-2306	153	14	=	=	SYM
bjmsr-2306	153	15	0.67	0.67	NUM
bjmsr-2306	153	16	,	,	PUNCT
bjmsr-2306	153	17	sig	sig	NOUN
bjmsr-2306	153	18	.	.	PUNCT
bjmsr-2306	153	19	0.01	0.01	NUM
bjmsr-2306	153	20	levels	level	NOUN
bjmsr-2306	153	21	)	)	PUNCT
bjmsr-2306	153	22	.	.	PUNCT
bjmsr-2306	154	1	similarly	similarly	ADV
bjmsr-2306	154	2	,	,	PUNCT
bjmsr-2306	154	3	as	as	SCONJ
bjmsr-2306	154	4	shown	show	VERB
bjmsr-2306	154	5	in	in	ADP
bjmsr-2306	154	6	table	table	NOUN
bjmsr-2306	154	7	3	3	NUM
bjmsr-2306	154	8	,	,	PUNCT
bjmsr-2306	154	9	fintech	fintech	NOUN
bjmsr-2306	154	10	exposure	exposure	NOUN
bjmsr-2306	154	11	associates	associate	NOUN
bjmsr-2306	154	12	positively	positively	ADV
bjmsr-2306	154	13	(	(	PUNCT
bjmsr-2306	154	14	r	r	NOUN
bjmsr-2306	154	15	=	=	SYM
bjmsr-2306	154	16	0.71	0.71	NUM
bjmsr-2306	154	17	,	,	PUNCT
bjmsr-2306	154	18	sig	sig	NOUN
bjmsr-2306	154	19	.	.	PUNCT
bjmsr-2306	154	20	0.01	0.01	NUM
bjmsr-2306	154	21	levels	level	NOUN
bjmsr-2306	154	22	)	)	PUNCT
bjmsr-2306	154	23	with	with	ADP
bjmsr-2306	154	24	investment	investment	NOUN
bjmsr-2306	154	25	interest	interest	NOUN
bjmsr-2306	154	26	and	and	CCONJ
bjmsr-2306	154	27	decision	decision	NOUN
bjmsr-2306	154	28	-	-	PUNCT
bjmsr-2306	154	29	making	making	NOUN
bjmsr-2306	154	30	(	(	PUNCT
bjmsr-2306	154	31	r	r	NOUN
bjmsr-2306	154	32	=	=	SYM
bjmsr-2306	154	33	0.64	0.64	NUM
bjmsr-2306	154	34	,	,	PUNCT
bjmsr-2306	154	35	sig	sig	NOUN
bjmsr-2306	154	36	.	.	PUNCT
bjmsr-2306	155	1	0.01	0.01	NUM
bjmsr-2306	155	2	levels	level	NOUN
bjmsr-2306	155	3	)	)	PUNCT
bjmsr-2306	155	4	.	.	PUNCT
bjmsr-2306	156	1	table	table	NOUN
bjmsr-2306	156	2	3	3	NUM
bjmsr-2306	156	3	.	.	PUNCT
bjmsr-2306	156	4	correlation	correlation	NOUN
bjmsr-2306	156	5	matrix	matrix	NOUN
bjmsr-2306	156	6	s.n	s.n	PROPN
bjmsr-2306	156	7	.	.	PROPN
bjmsr-2306	156	8	variables	variable	VERB
bjmsr-2306	156	9	1	1	NUM
bjmsr-2306	156	10	2	2	NUM
bjmsr-2306	156	11	3	3	NUM
bjmsr-2306	156	12	4	4	NUM
bjmsr-2306	156	13	1	1	NUM
bjmsr-2306	156	14	investor	investor	NOUN
bjmsr-2306	156	15	's	's	PART
bjmsr-2306	156	16	psychology	psychology	NOUN
bjmsr-2306	156	17	2	2	NUM
bjmsr-2306	156	18	accounting	accounting	NOUN
bjmsr-2306	156	19	information	information	NOUN
bjmsr-2306	156	20	0.71	0.71	NUM
bjmsr-2306	156	21	*	*	SYM
bjmsr-2306	156	22	*	*	SYM
bjmsr-2306	156	23	3	3	NUM
bjmsr-2306	156	24	fintech	fintech	NOUN
bjmsr-2306	156	25	exposure	exposure	NOUN
bjmsr-2306	156	26	0.62	0.62	NUM
bjmsr-2306	156	27	*	*	SYM
bjmsr-2306	156	28	*	*	PUNCT
bjmsr-2306	156	29	0.74	0.74	NUM
bjmsr-2306	156	30	*	*	SYM
bjmsr-2306	156	31	*	*	SYM
bjmsr-2306	156	32	4	4	NUM
bjmsr-2306	156	33	investment	investment	NOUN
bjmsr-2306	156	34	interest	interest	NOUN
bjmsr-2306	156	35	0.72	0.72	NUM
bjmsr-2306	156	36	*	*	PUNCT
bjmsr-2306	156	37	*	*	PUNCT
bjmsr-2306	157	1	0.70	0.70	NUM
bjmsr-2306	157	2	*	*	PUNCT
bjmsr-2306	157	3	*	*	PUNCT
bjmsr-2306	157	4	0.71	0.71	NUM
bjmsr-2306	157	5	*	*	PUNCT
bjmsr-2306	157	6	*	*	SYM
bjmsr-2306	157	7	5	5	NUM
bjmsr-2306	157	8	decision	decision	NOUN
bjmsr-2306	157	9	-	-	PUNCT
bjmsr-2306	157	10	making	make	VERB
bjmsr-2306	157	11	0.69	0.69	NOUN
bjmsr-2306	157	12	*	*	NOUN
bjmsr-2306	157	13	*	*	PUNCT
bjmsr-2306	157	14	0.67	0.67	NUM
bjmsr-2306	157	15	*	*	PUNCT
bjmsr-2306	157	16	*	*	PUNCT
bjmsr-2306	158	1	0.64	0.64	NUM
bjmsr-2306	158	2	*	*	PUNCT
bjmsr-2306	158	3	*	*	PUNCT
bjmsr-2306	158	4	0.79	0.79	NUM
bjmsr-2306	158	5	*	*	PUNCT
bjmsr-2306	158	6	*	*	PUNCT
bjmsr-2306	159	1	*	*	PUNCT
bjmsr-2306	159	2	*	*	NOUN
bjmsr-2306	159	3	.	.	PUNCT
bjmsr-2306	159	4	correlation	correlation	NOUN
bjmsr-2306	159	5	is	be	AUX
bjmsr-2306	159	6	significant	significant	ADJ
bjmsr-2306	159	7	at	at	ADP
bjmsr-2306	159	8	the	the	DET
bjmsr-2306	159	9	0.01	0.01	NUM
bjmsr-2306	159	10	level	level	NOUN
bjmsr-2306	159	11	(	(	PUNCT
bjmsr-2306	159	12	2	2	NUM
bjmsr-2306	159	13	-	-	PUNCT
bjmsr-2306	159	14	tailed	tail	VERB
bjmsr-2306	159	15	)	)	PUNCT
bjmsr-2306	159	16	.	.	PUNCT
bjmsr-2306	160	1	testing	test	VERB
bjmsr-2306	160	2	the	the	DET
bjmsr-2306	160	3	research	research	NOUN
bjmsr-2306	160	4	model	model	NOUN
bjmsr-2306	160	5	the	the	DET
bjmsr-2306	160	6	research	research	NOUN
bjmsr-2306	160	7	model	model	NOUN
bjmsr-2306	160	8	was	be	AUX
bjmsr-2306	160	9	tested	test	VERB
bjmsr-2306	160	10	using	use	VERB
bjmsr-2306	160	11	the	the	DET
bjmsr-2306	160	12	structural	structural	ADJ
bjmsr-2306	160	13	equation	equation	NOUN
bjmsr-2306	160	14	modeling	modeling	NOUN
bjmsr-2306	160	15	(	(	PUNCT
bjmsr-2306	160	16	sem	sem	NOUN
bjmsr-2306	160	17	)	)	PUNCT
bjmsr-2306	160	18	technique	technique	NOUN
bjmsr-2306	160	19	.	.	PUNCT
bjmsr-2306	161	1	the	the	DET
bjmsr-2306	161	2	model	model	NOUN
bjmsr-2306	161	3	shown	show	VERB
bjmsr-2306	161	4	in	in	ADP
bjmsr-2306	161	5	figure	figure	NOUN
bjmsr-2306	161	6	2	2	NUM
bjmsr-2306	161	7	was	be	AUX
bjmsr-2306	161	8	tested	test	VERB
bjmsr-2306	161	9	on	on	ADP
bjmsr-2306	161	10	seven	seven	NUM
bjmsr-2306	161	11	popular	popular	ADJ
bjmsr-2306	161	12	model	model	ADJ
bjmsr-2306	161	13	-	-	PUNCT
bjmsr-2306	161	14	fit	fit	ADJ
bjmsr-2306	161	15	indices	index	NOUN
bjmsr-2306	161	16	,	,	PUNCT
bjmsr-2306	161	17	such	such	ADJ
bjmsr-2306	161	18	as	as	ADP
bjmsr-2306	161	19	gfi	gfi	PROPN
bjmsr-2306	161	20	,	,	PUNCT
bjmsr-2306	161	21	agfi	agfi	PROPN
bjmsr-2306	161	22	,	,	PUNCT
bjmsr-2306	161	23	srmr	srmr	PROPN
bjmsr-2306	161	24	,	,	PUNCT
bjmsr-2306	161	25	rmsea	rmsea	NOUN
bjmsr-2306	161	26	,	,	PUNCT
bjmsr-2306	161	27	nfi	nfi	PROPN
bjmsr-2306	161	28	,	,	PUNCT
bjmsr-2306	161	29	tli	tli	PROPN
bjmsr-2306	161	30	,	,	PUNCT
bjmsr-2306	161	31	and	and	CCONJ
bjmsr-2306	161	32	cfi	cfi	PROPN
bjmsr-2306	161	33	.	.	PUNCT
bjmsr-2306	162	1	the	the	DET
bjmsr-2306	162	2	threshold	threshold	NOUN
bjmsr-2306	162	3	values	value	NOUN
bjmsr-2306	162	4	and	and	CCONJ
bjmsr-2306	162	5	observed	observed	ADJ
bjmsr-2306	162	6	values	value	NOUN
bjmsr-2306	162	7	are	be	AUX
bjmsr-2306	162	8	presented	present	VERB
bjmsr-2306	162	9	in	in	ADP
bjmsr-2306	162	10	table	table	NOUN
bjmsr-2306	162	11	4	4	NUM
bjmsr-2306	162	12	.	.	PUNCT
bjmsr-2306	163	1	the	the	DET
bjmsr-2306	163	2	observed	observe	VERB
bjmsr-2306	163	3	value	value	NOUN
bjmsr-2306	163	4	for	for	ADP
bjmsr-2306	163	5	the	the	DET
bjmsr-2306	163	6	goodness	goodness	NOUN
bjmsr-2306	163	7	-	-	PUNCT
bjmsr-2306	163	8	of	of	ADP
bjmsr-2306	163	9	-	-	PUNCT
bjmsr-2306	163	10	fit	fit	NOUN
bjmsr-2306	163	11	index	index	NOUN
bjmsr-2306	163	12	was	be	AUX
bjmsr-2306	163	13	0.99	0.99	NUM
bjmsr-2306	163	14	,	,	PUNCT
bjmsr-2306	163	15	which	which	PRON
bjmsr-2306	163	16	is	be	AUX
bjmsr-2306	163	17	above	above	ADP
bjmsr-2306	163	18	the	the	DET
bjmsr-2306	163	19	required	require	VERB
bjmsr-2306	163	20	acceptable	acceptable	ADJ
bjmsr-2306	163	21	value	value	NOUN
bjmsr-2306	163	22	(	(	PUNCT
bjmsr-2306	163	23	0.95	0.95	NUM
bjmsr-2306	163	24	)	)	PUNCT
bjmsr-2306	163	25	for	for	ADP
bjmsr-2306	163	26	a	a	DET
bjmsr-2306	163	27	good	good	ADJ
bjmsr-2306	163	28	model	model	NOUN
bjmsr-2306	163	29	fit	fit	PROPN
bjmsr-2306	163	30	.	.	PUNCT
bjmsr-2306	164	1	the	the	DET
bjmsr-2306	164	2	gfi	gfi	PROPN
bjmsr-2306	164	3	indicates	indicate	VERB
bjmsr-2306	164	4	that	that	SCONJ
bjmsr-2306	164	5	the	the	DET
bjmsr-2306	164	6	model	model	NOUN
bjmsr-2306	164	7	explains	explain	VERB
bjmsr-2306	164	8	99	99	NUM
bjmsr-2306	164	9	%	%	NOUN
bjmsr-2306	164	10	of	of	ADP
bjmsr-2306	164	11	the	the	DET
bjmsr-2306	164	12	variancecovariance	variancecovariance	NOUN
bjmsr-2306	164	13	matrix	matrix	NOUN
bjmsr-2306	164	14	.	.	PUNCT
bjmsr-2306	165	1	this	this	DET
bjmsr-2306	165	2	substantial	substantial	ADJ
bjmsr-2306	165	3	value	value	NOUN
bjmsr-2306	165	4	demonstrates	demonstrate	VERB
bjmsr-2306	165	5	a	a	DET
bjmsr-2306	165	6	high	high	ADJ
bjmsr-2306	165	7	level	level	NOUN
bjmsr-2306	165	8	of	of	ADP
bjmsr-2306	165	9	agreement	agreement	NOUN
bjmsr-2306	165	10	between	between	ADP
bjmsr-2306	165	11	the	the	DET
bjmsr-2306	165	12	model	model	NOUN
bjmsr-2306	165	13	and	and	CCONJ
bjmsr-2306	165	14	the	the	DET
bjmsr-2306	165	15	observed	observed	ADJ
bjmsr-2306	165	16	data	datum	NOUN
bjmsr-2306	165	17	,	,	PUNCT
bjmsr-2306	165	18	supporting	support	VERB
bjmsr-2306	165	19	its	its	PRON
bjmsr-2306	165	20	validity	validity	NOUN
bjmsr-2306	165	21	.	.	PUNCT
bjmsr-2306	166	1	moreover	moreover	ADV
bjmsr-2306	166	2	,	,	PUNCT
bjmsr-2306	166	3	the	the	DET
bjmsr-2306	166	4	computed	compute	VERB
bjmsr-2306	166	5	value	value	NOUN
bjmsr-2306	166	6	for	for	ADP
bjmsr-2306	166	7	agfi	agfi	NOUN
bjmsr-2306	166	8	was	be	AUX
bjmsr-2306	166	9	0.90	0.90	NUM
bjmsr-2306	166	10	,	,	PUNCT
bjmsr-2306	166	11	which	which	PRON
bjmsr-2306	166	12	exceeds	exceed	VERB
bjmsr-2306	166	13	the	the	DET
bjmsr-2306	166	14	threshold	threshold	NOUN
bjmsr-2306	166	15	value	value	NOUN
bjmsr-2306	166	16	(	(	PUNCT
bjmsr-2306	166	17	0.80	0.80	NUM
bjmsr-2306	166	18	)	)	PUNCT
bjmsr-2306	166	19	for	for	ADP
bjmsr-2306	166	20	a	a	DET
bjmsr-2306	166	21	good	good	ADJ
bjmsr-2306	166	22	model	model	NOUN
bjmsr-2306	166	23	fit	fit	PROPN
bjmsr-2306	166	24	.	.	PUNCT
bjmsr-2306	167	1	the	the	DET
bjmsr-2306	167	2	available	available	ADJ
bjmsr-2306	167	3	statistics	statistic	NOUN
bjmsr-2306	167	4	show	show	VERB
bjmsr-2306	167	5	that	that	SCONJ
bjmsr-2306	167	6	the	the	DET
bjmsr-2306	167	7	agfi	agfi	NOUN
bjmsr-2306	167	8	,	,	PUNCT
bjmsr-2306	167	9	which	which	PRON
bjmsr-2306	167	10	adjusts	adjust	VERB
bjmsr-2306	167	11	for	for	ADP
bjmsr-2306	167	12	the	the	DET
bjmsr-2306	167	13	model	model	NOUN
bjmsr-2306	167	14	's	's	PART
bjmsr-2306	167	15	complexity	complexity	NOUN
bjmsr-2306	167	16	,	,	PUNCT
bjmsr-2306	167	17	exceeds	exceed	VERB
bjmsr-2306	167	18	the	the	DET
bjmsr-2306	167	19	recommended	recommend	VERB
bjmsr-2306	167	20	value	value	NOUN
bjmsr-2306	167	21	.	.	PUNCT
bjmsr-2306	168	1	it	it	PRON
bjmsr-2306	168	2	provides	provide	VERB
bjmsr-2306	168	3	evidence	evidence	NOUN
bjmsr-2306	168	4	to	to	PART
bjmsr-2306	168	5	conclude	conclude	VERB
bjmsr-2306	168	6	that	that	SCONJ
bjmsr-2306	168	7	the	the	DET
bjmsr-2306	168	8	model	model	NOUN
bjmsr-2306	168	9	balances	balance	VERB
bjmsr-2306	168	10	a	a	DET
bjmsr-2306	168	11	good	good	ADJ
bjmsr-2306	168	12	fit	fit	NOUN
bjmsr-2306	168	13	with	with	ADP
bjmsr-2306	168	14	parsimony	parsimony	NOUN
bjmsr-2306	168	15	,	,	PUNCT
bjmsr-2306	168	16	further	far	ADV
bjmsr-2306	168	17	reinforcing	reinforce	VERB
bjmsr-2306	168	18	its	its	PRON
bjmsr-2306	168	19	adequacy	adequacy	NOUN
bjmsr-2306	168	20	.	.	PUNCT
bjmsr-2306	169	1	additionally	additionally	ADV
bjmsr-2306	169	2	,	,	PUNCT
bjmsr-2306	169	3	the	the	DET
bjmsr-2306	169	4	observed	observe	VERB
bjmsr-2306	169	5	value	value	NOUN
bjmsr-2306	169	6	for	for	ADP
bjmsr-2306	169	7	srmr	srmr	PROPN
bjmsr-2306	169	8	was	be	AUX
bjmsr-2306	169	9	0.05	0.05	NUM
bjmsr-2306	169	10	,	,	PUNCT
bjmsr-2306	169	11	which	which	PRON
bjmsr-2306	169	12	is	be	AUX
bjmsr-2306	169	13	less	less	ADJ
bjmsr-2306	169	14	than	than	ADP
bjmsr-2306	169	15	the	the	DET
bjmsr-2306	169	16	threshold	threshold	NOUN
bjmsr-2306	169	17	value	value	NOUN
bjmsr-2306	169	18	(	(	PUNCT
bjmsr-2306	169	19	0.08	0.08	NUM
bjmsr-2306	169	20	)	)	PUNCT
bjmsr-2306	169	21	for	for	ADP
bjmsr-2306	169	22	a	a	DET
bjmsr-2306	169	23	good	good	ADJ
bjmsr-2306	169	24	model	model	NOUN
bjmsr-2306	169	25	fit	fit	PROPN
bjmsr-2306	169	26	.	.	PUNCT
bjmsr-2306	170	1	the	the	DET
bjmsr-2306	170	2	srmr	srmr	PROPN
bjmsr-2306	170	3	shows	show	VERB
bjmsr-2306	170	4	a	a	DET
bjmsr-2306	170	5	low	low	ADJ
bjmsr-2306	170	6	level	level	NOUN
bjmsr-2306	170	7	of	of	ADP
bjmsr-2306	170	8	residual	residual	ADJ
bjmsr-2306	170	9	error	error	NOUN
bjmsr-2306	170	10	between	between	ADP
bjmsr-2306	170	11	the	the	DET
bjmsr-2306	170	12	observed	observe	VERB
bjmsr-2306	170	13	and	and	CCONJ
bjmsr-2306	170	14	predicted	predict	VERB
bjmsr-2306	170	15	correlations	correlation	NOUN
bjmsr-2306	170	16	.	.	PUNCT
bjmsr-2306	171	1	a	a	DET
bjmsr-2306	171	2	value	value	NOUN
bjmsr-2306	171	3	of	of	ADP
bjmsr-2306	171	4	0.05	0.05	NUM
bjmsr-2306	171	5	reflects	reflect	VERB
bjmsr-2306	171	6	an	an	DET
bjmsr-2306	171	7	excellent	excellent	ADJ
bjmsr-2306	171	8	fit	fit	NOUN
bjmsr-2306	171	9	,	,	PUNCT
bjmsr-2306	171	10	showing	show	VERB
bjmsr-2306	171	11	minimal	minimal	ADJ
bjmsr-2306	171	12	discrepancies	discrepancy	NOUN
bjmsr-2306	171	13	in	in	ADP
bjmsr-2306	171	14	the	the	DET
bjmsr-2306	171	15	research	research	NOUN
bjmsr-2306	171	16	model	model	NOUN
bjmsr-2306	171	17	.	.	PUNCT
bjmsr-2306	172	1	however	however	ADV
bjmsr-2306	172	2	,	,	PUNCT
bjmsr-2306	172	3	the	the	DET
bjmsr-2306	172	4	rmsea	rmsea	NOUN
bjmsr-2306	172	5	value	value	NOUN
bjmsr-2306	172	6	of	of	ADP
bjmsr-2306	172	7	0.12	0.12	NUM
bjmsr-2306	172	8	,	,	PUNCT
bjmsr-2306	172	9	above	above	ADP
bjmsr-2306	172	10	the	the	DET
bjmsr-2306	172	11	threshold	threshold	NOUN
bjmsr-2306	172	12	of	of	ADP
bjmsr-2306	172	13	0.08	0.08	NUM
bjmsr-2306	172	14	,	,	PUNCT
bjmsr-2306	172	15	could	could	AUX
bjmsr-2306	172	16	be	be	AUX
bjmsr-2306	172	17	influenced	influence	VERB
bjmsr-2306	172	18	by	by	ADP
bjmsr-2306	172	19	the	the	DET
bjmsr-2306	172	20	complexity	complexity	NOUN
bjmsr-2306	172	21	of	of	ADP
bjmsr-2306	172	22	the	the	DET
bjmsr-2306	172	23	research	research	NOUN
bjmsr-2306	172	24	model	model	NOUN
bjmsr-2306	172	25	,	,	PUNCT
bjmsr-2306	172	26	as	as	SCONJ
bjmsr-2306	172	27	more	more	ADV
bjmsr-2306	172	28	significant	significant	ADJ
bjmsr-2306	172	29	or	or	CCONJ
bjmsr-2306	172	30	more	more	ADV
bjmsr-2306	172	31	intricate	intricate	ADJ
bjmsr-2306	172	32	models	model	NOUN
bjmsr-2306	172	33	often	often	ADV
bjmsr-2306	172	34	result	result	VERB
bjmsr-2306	172	35	in	in	ADP
bjmsr-2306	172	36	inflated	inflated	ADJ
bjmsr-2306	172	37	rmsea	rmsea	NOUN
bjmsr-2306	172	38	values	value	NOUN
bjmsr-2306	172	39	(	(	PUNCT
bjmsr-2306	172	40	kline	kline	PROPN
bjmsr-2306	172	41	,	,	PUNCT
bjmsr-2306	172	42	2016	2016	NUM
bjmsr-2306	172	43	)	)	PUNCT
bjmsr-2306	172	44	.	.	PUNCT
bjmsr-2306	173	1	rmsea	rmsea	NOUN
bjmsr-2306	173	2	is	be	AUX
bjmsr-2306	173	3	sensitive	sensitive	ADJ
bjmsr-2306	173	4	to	to	ADP
bjmsr-2306	173	5	model	model	NOUN
bjmsr-2306	173	6	complexity	complexity	NOUN
bjmsr-2306	173	7	,	,	PUNCT
bjmsr-2306	173	8	meaning	mean	VERB
bjmsr-2306	173	9	that	that	SCONJ
bjmsr-2306	173	10	more	more	ADV
bjmsr-2306	173	11	extensive	extensive	ADJ
bjmsr-2306	173	12	models	model	NOUN
bjmsr-2306	173	13	can	can	AUX
bjmsr-2306	173	14	overfit	overfit	VERB
bjmsr-2306	173	15	the	the	DET
bjmsr-2306	173	16	data	datum	NOUN
bjmsr-2306	173	17	,	,	PUNCT
bjmsr-2306	173	18	resulting	result	VERB
bjmsr-2306	173	19	in	in	ADP
bjmsr-2306	173	20	a	a	DET
bjmsr-2306	173	21	higher	high	ADJ
bjmsr-2306	173	22	rmsea	rmsea	NOUN
bjmsr-2306	173	23	value	value	NOUN
bjmsr-2306	173	24	(	(	PUNCT
bjmsr-2306	173	25	kline	kline	PROPN
bjmsr-2306	173	26	,	,	PUNCT
bjmsr-2306	173	27	2016	2016	NUM
bjmsr-2306	173	28	)	)	PUNCT
bjmsr-2306	173	29	.	.	PUNCT
bjmsr-2306	174	1	this	this	PRON
bjmsr-2306	174	2	is	be	AUX
bjmsr-2306	174	3	because	because	SCONJ
bjmsr-2306	174	4	rmsea	rmsea	NOUN
bjmsr-2306	174	5	penalizes	penalize	NOUN
bjmsr-2306	174	6	models	model	NOUN
bjmsr-2306	174	7	that	that	PRON
bjmsr-2306	174	8	overestimate	overestimate	VERB
bjmsr-2306	174	9	the	the	DET
bjmsr-2306	174	10	fit	fit	NOUN
bjmsr-2306	174	11	by	by	ADP
bjmsr-2306	174	12	including	include	VERB
bjmsr-2306	174	13	too	too	ADV
bjmsr-2306	174	14	many	many	ADJ
bjmsr-2306	174	15	parameters	parameter	NOUN
bjmsr-2306	174	16	relative	relative	ADJ
bjmsr-2306	174	17	to	to	ADP
bjmsr-2306	174	18	the	the	DET
bjmsr-2306	174	19	data	datum	NOUN
bjmsr-2306	174	20	.	.	PUNCT
bjmsr-2306	175	1	in	in	ADP
bjmsr-2306	175	2	the	the	DET
bjmsr-2306	175	3	present	present	ADJ
bjmsr-2306	175	4	research	research	NOUN
bjmsr-2306	175	5	model	model	NOUN
bjmsr-2306	175	6	,	,	PUNCT
bjmsr-2306	175	7	multiple	multiple	ADJ
bjmsr-2306	175	8	parameters	parameter	NOUN
bjmsr-2306	175	9	might	might	AUX
bjmsr-2306	175	10	have	have	AUX
bjmsr-2306	175	11	resulted	result	VERB
bjmsr-2306	175	12	in	in	ADP
bjmsr-2306	175	13	a	a	DET
bjmsr-2306	175	14	high	high	ADJ
bjmsr-2306	175	15	model	model	NOUN
bjmsr-2306	175	16	fit	fit	PROPN
bjmsr-2306	175	17	index	index	NOUN
bjmsr-2306	175	18	.	.	PUNCT
bjmsr-2306	176	1	the	the	DET
bjmsr-2306	176	2	values	value	NOUN
bjmsr-2306	176	3	for	for	ADP
bjmsr-2306	176	4	other	other	ADJ
bjmsr-2306	176	5	model	model	ADJ
bjmsr-2306	176	6	-	-	PUNCT
bjmsr-2306	176	7	fit	fit	ADJ
bjmsr-2306	176	8	indices	index	NOUN
bjmsr-2306	176	9	,	,	PUNCT
bjmsr-2306	176	10	such	such	ADJ
bjmsr-2306	176	11	as	as	ADP
bjmsr-2306	176	12	nfi	nfi	PROPN
bjmsr-2306	176	13	,	,	PUNCT
bjmsr-2306	176	14	tli	tli	PROPN
bjmsr-2306	176	15	,	,	PUNCT
bjmsr-2306	176	16	and	and	CCONJ
bjmsr-2306	176	17	cfi	cfi	PROPN
bjmsr-2306	176	18	,	,	PUNCT
bjmsr-2306	176	19	were	be	AUX
bjmsr-2306	176	20	observed	observe	VERB
bjmsr-2306	176	21	at	at	ADP
bjmsr-2306	176	22	0.99	0.99	NUM
bjmsr-2306	176	23	,	,	PUNCT
bjmsr-2306	176	24	0.96	0.96	NUM
bjmsr-2306	176	25	,	,	PUNCT
bjmsr-2306	176	26	and	and	CCONJ
bjmsr-2306	176	27	0.99	0.99	NUM
bjmsr-2306	176	28	,	,	PUNCT
bjmsr-2306	176	29	respectively	respectively	ADV
bjmsr-2306	176	30	.	.	PUNCT
bjmsr-2306	177	1	the	the	DET
bjmsr-2306	177	2	results	result	NOUN
bjmsr-2306	177	3	of	of	ADP
bjmsr-2306	177	4	the	the	DET
bjmsr-2306	177	5	fit	fit	ADJ
bjmsr-2306	177	6	indices	index	NOUN
bjmsr-2306	177	7	statistics	statistic	NOUN
bjmsr-2306	177	8	show	show	VERB
bjmsr-2306	177	9	a	a	DET
bjmsr-2306	177	10	good	good	ADJ
bjmsr-2306	177	11	model	model	NOUN
bjmsr-2306	177	12	fit	fit	PROPN
bjmsr-2306	177	13	.	.	PUNCT
bjmsr-2306	178	1	the	the	DET
bjmsr-2306	178	2	nfi	nfi	PROPN
bjmsr-2306	178	3	value	value	NOUN
bjmsr-2306	178	4	offers	offer	VERB
bjmsr-2306	178	5	an	an	DET
bjmsr-2306	178	6	excellent	excellent	ADJ
bjmsr-2306	178	7	fit	fit	NOUN
bjmsr-2306	178	8	,	,	PUNCT
bjmsr-2306	178	9	confirming	confirm	VERB
bjmsr-2306	178	10	that	that	SCONJ
bjmsr-2306	178	11	the	the	DET
bjmsr-2306	178	12	model	model	NOUN
bjmsr-2306	178	13	explains	explain	VERB
bjmsr-2306	178	14	the	the	DET
bjmsr-2306	178	15	data	datum	NOUN
bjmsr-2306	178	16	significantly	significantly	ADV
bjmsr-2306	178	17	better	well	ADJ
bjmsr-2306	178	18	than	than	ADP
bjmsr-2306	178	19	a	a	DET
bjmsr-2306	178	20	null	null	ADJ
bjmsr-2306	178	21	model	model	NOUN
bjmsr-2306	178	22	.	.	PUNCT
bjmsr-2306	179	1	on	on	ADP
bjmsr-2306	179	2	the	the	DET
bjmsr-2306	179	3	other	other	ADJ
bjmsr-2306	179	4	hand	hand	NOUN
bjmsr-2306	179	5	,	,	PUNCT
bjmsr-2306	179	6	the	the	DET
bjmsr-2306	179	7	tli	tli	NOUN
bjmsr-2306	179	8	reflects	reflect	VERB
bjmsr-2306	179	9	a	a	DET
bjmsr-2306	179	10	strong	strong	ADJ
bjmsr-2306	179	11	balance	balance	NOUN
bjmsr-2306	179	12	between	between	ADP
bjmsr-2306	179	13	model	model	NOUN
bjmsr-2306	179	14	fit	fit	ADJ
bjmsr-2306	179	15	and	and	CCONJ
bjmsr-2306	179	16	thriftiness	thriftiness	NOUN
bjmsr-2306	179	17	,	,	PUNCT
bjmsr-2306	179	18	highlighting	highlight	VERB
bjmsr-2306	179	19	the	the	DET
bjmsr-2306	179	20	model	model	NOUN
bjmsr-2306	179	21	's	's	PART
bjmsr-2306	179	22	robust	robust	ADJ
bjmsr-2306	179	23	alignment	alignment	NOUN
bjmsr-2306	179	24	with	with	ADP
bjmsr-2306	179	25	the	the	DET
bjmsr-2306	179	26	observed	observe	VERB
bjmsr-2306	179	27	data	datum	NOUN
bjmsr-2306	179	28	.	.	PUNCT
bjmsr-2306	180	1	moreover	moreover	ADV
bjmsr-2306	180	2	,	,	PUNCT
bjmsr-2306	180	3	the	the	DET
bjmsr-2306	180	4	cfi	cfi	PROPN
bjmsr-2306	180	5	zaheeruddin	zaheeruddin	PROPN
bjmsr-2306	180	6	&	&	CCONJ
bjmsr-2306	180	7	kumar	kumar	PROPN
bjmsr-2306	180	8	,	,	PUNCT
bjmsr-2306	180	9	bangladesh	bangladesh	PROPN
bjmsr-2306	180	10	journal	journal	NOUN
bjmsr-2306	180	11	of	of	ADP
bjmsr-2306	180	12	multidisciplinary	multidisciplinary	ADJ
bjmsr-2306	180	13	scientific	scientific	ADJ
bjmsr-2306	180	14	research	research	NOUN
bjmsr-2306	180	15	10(2	10(2	NUM
bjmsr-2306	180	16	)	)	PUNCT
bjmsr-2306	180	17	(	(	PUNCT
bjmsr-2306	180	18	2025	2025	NUM
bjmsr-2306	180	19	)	)	PUNCT
bjmsr-2306	180	20	,	,	PUNCT
bjmsr-2306	180	21	12	12	NUM
bjmsr-2306	180	22	-	-	SYM
bjmsr-2306	180	23	20	20	NUM
bjmsr-2306	180	24	17	17	NUM
bjmsr-2306	180	25	value	value	NOUN
bjmsr-2306	180	26	,	,	PUNCT
bjmsr-2306	180	27	near	near	ADP
bjmsr-2306	180	28	its	its	PRON
bjmsr-2306	180	29	maximum	maximum	NOUN
bjmsr-2306	180	30	of	of	ADP
bjmsr-2306	180	31	1.0	1.0	NUM
bjmsr-2306	180	32	,	,	PUNCT
bjmsr-2306	180	33	strongly	strongly	ADV
bjmsr-2306	180	34	supports	support	VERB
bjmsr-2306	180	35	the	the	DET
bjmsr-2306	180	36	model	model	NOUN
bjmsr-2306	180	37	's	's	PART
bjmsr-2306	180	38	goodness	goodness	NOUN
bjmsr-2306	180	39	of	of	ADP
bjmsr-2306	180	40	fit	fit	NOUN
bjmsr-2306	180	41	,	,	PUNCT
bjmsr-2306	180	42	indicating	indicate	VERB
bjmsr-2306	180	43	an	an	DET
bjmsr-2306	180	44	almost	almost	ADV
bjmsr-2306	180	45	perfect	perfect	ADJ
bjmsr-2306	180	46	match	match	NOUN
bjmsr-2306	180	47	between	between	ADP
bjmsr-2306	180	48	the	the	DET
bjmsr-2306	180	49	proposed	propose	VERB
bjmsr-2306	180	50	and	and	CCONJ
bjmsr-2306	180	51	observed	observed	ADJ
bjmsr-2306	180	52	covariance	covariance	NOUN
bjmsr-2306	180	53	structures	structure	NOUN
bjmsr-2306	180	54	.	.	PUNCT
bjmsr-2306	181	1	the	the	DET
bjmsr-2306	181	2	above	above	ADJ
bjmsr-2306	181	3	analysis	analysis	NOUN
bjmsr-2306	181	4	and	and	CCONJ
bjmsr-2306	181	5	model	model	NOUN
bjmsr-2306	181	6	fit	fit	ADJ
bjmsr-2306	181	7	indices	index	NOUN
bjmsr-2306	181	8	show	show	VERB
bjmsr-2306	181	9	that	that	SCONJ
bjmsr-2306	181	10	six	six	NUM
bjmsr-2306	181	11	out	out	ADP
bjmsr-2306	181	12	of	of	ADP
bjmsr-2306	181	13	seven	seven	NUM
bjmsr-2306	181	14	values	value	NOUN
bjmsr-2306	181	15	offered	offer	VERB
bjmsr-2306	181	16	a	a	DET
bjmsr-2306	181	17	good	good	ADJ
bjmsr-2306	181	18	model	model	NOUN
bjmsr-2306	181	19	fit	fit	PROPN
bjmsr-2306	181	20	.	.	PUNCT
bjmsr-2306	182	1	though	though	SCONJ
bjmsr-2306	182	2	the	the	DET
bjmsr-2306	182	3	value	value	NOUN
bjmsr-2306	182	4	of	of	ADP
bjmsr-2306	182	5	rmsea	rmsea	NOUN
bjmsr-2306	182	6	was	be	AUX
bjmsr-2306	182	7	above	above	ADP
bjmsr-2306	182	8	the	the	DET
bjmsr-2306	182	9	threshold	threshold	NOUN
bjmsr-2306	182	10	value	value	NOUN
bjmsr-2306	182	11	,	,	PUNCT
bjmsr-2306	182	12	based	base	VERB
bjmsr-2306	182	13	on	on	ADP
bjmsr-2306	182	14	the	the	DET
bjmsr-2306	182	15	other	other	ADJ
bjmsr-2306	182	16	six	six	NUM
bjmsr-2306	182	17	statistics	statistic	NOUN
bjmsr-2306	182	18	,	,	PUNCT
bjmsr-2306	182	19	the	the	DET
bjmsr-2306	182	20	research	research	NOUN
bjmsr-2306	182	21	model	model	NOUN
bjmsr-2306	182	22	significantly	significantly	ADV
bjmsr-2306	182	23	explains	explain	VERB
bjmsr-2306	182	24	the	the	DET
bjmsr-2306	182	25	impact	impact	NOUN
bjmsr-2306	182	26	of	of	ADP
bjmsr-2306	182	27	investors	investor	NOUN
bjmsr-2306	182	28	'	'	PART
bjmsr-2306	182	29	psychology	psychology	NOUN
bjmsr-2306	182	30	,	,	PUNCT
bjmsr-2306	182	31	accounting	accounting	NOUN
bjmsr-2306	182	32	information	information	NOUN
bjmsr-2306	182	33	,	,	PUNCT
bjmsr-2306	182	34	and	and	CCONJ
bjmsr-2306	182	35	fintech	fintech	NOUN
bjmsr-2306	182	36	exposure	exposure	NOUN
bjmsr-2306	182	37	on	on	ADP
bjmsr-2306	182	38	the	the	DET
bjmsr-2306	182	39	individual	individual	NOUN
bjmsr-2306	182	40	's	's	PART
bjmsr-2306	182	41	investment	investment	NOUN
bjmsr-2306	182	42	interest	interest	NOUN
bjmsr-2306	182	43	and	and	CCONJ
bjmsr-2306	182	44	investment	investment	NOUN
bjmsr-2306	182	45	decision	decision	NOUN
bjmsr-2306	182	46	-	-	PUNCT
bjmsr-2306	182	47	making	making	NOUN
bjmsr-2306	182	48	.	.	PUNCT
bjmsr-2306	183	1	though	though	SCONJ
bjmsr-2306	183	2	rmsea	rmsea	NOUN
bjmsr-2306	183	3	is	be	AUX
bjmsr-2306	183	4	a	a	DET
bjmsr-2306	183	5	commonly	commonly	ADV
bjmsr-2306	183	6	used	use	VERB
bjmsr-2306	183	7	fit	fit	ADJ
bjmsr-2306	183	8	index	index	NOUN
bjmsr-2306	183	9	,	,	PUNCT
bjmsr-2306	183	10	kline	kline	PROPN
bjmsr-2306	183	11	(	(	PUNCT
bjmsr-2306	183	12	2016	2016	NUM
bjmsr-2306	183	13	)	)	PUNCT
bjmsr-2306	183	14	recommends	recommend	VERB
bjmsr-2306	183	15	considering	consider	VERB
bjmsr-2306	183	16	various	various	ADJ
bjmsr-2306	183	17	fit	fit	ADJ
bjmsr-2306	183	18	indices	index	NOUN
bjmsr-2306	183	19	to	to	PART
bjmsr-2306	183	20	examine	examine	VERB
bjmsr-2306	183	21	the	the	DET
bjmsr-2306	183	22	model	model	NOUN
bjmsr-2306	183	23	quality	quality	NOUN
bjmsr-2306	183	24	.	.	PUNCT
bjmsr-2306	184	1	in	in	ADP
bjmsr-2306	184	2	cases	case	NOUN
bjmsr-2306	184	3	where	where	SCONJ
bjmsr-2306	184	4	rmsea	rmsea	NOUN
bjmsr-2306	184	5	exceeds	exceed	VERB
bjmsr-2306	184	6	the	the	DET
bjmsr-2306	184	7	threshold	threshold	NOUN
bjmsr-2306	184	8	,	,	PUNCT
bjmsr-2306	184	9	other	other	ADJ
bjmsr-2306	184	10	indices	index	NOUN
bjmsr-2306	184	11	such	such	ADJ
bjmsr-2306	184	12	as	as	ADP
bjmsr-2306	184	13	gfi	gfi	PROPN
bjmsr-2306	184	14	,	,	PUNCT
bjmsr-2306	184	15	agfi	agfi	PROPN
bjmsr-2306	184	16	,	,	PUNCT
bjmsr-2306	184	17	nfi	nfi	PROPN
bjmsr-2306	184	18	,	,	PUNCT
bjmsr-2306	184	19	tli	tli	PROPN
bjmsr-2306	184	20	,	,	PUNCT
bjmsr-2306	184	21	srmr	srmr	PROPN
bjmsr-2306	184	22	,	,	PUNCT
bjmsr-2306	184	23	and	and	CCONJ
bjmsr-2306	184	24	cfi	cfi	PROPN
bjmsr-2306	184	25	provide	provide	VERB
bjmsr-2306	184	26	a	a	DET
bjmsr-2306	184	27	more	more	ADV
bjmsr-2306	184	28	comprehensive	comprehensive	ADJ
bjmsr-2306	184	29	evaluation	evaluation	NOUN
bjmsr-2306	184	30	of	of	ADP
bjmsr-2306	184	31	model	model	NOUN
bjmsr-2306	184	32	fit	fit	PROPN
bjmsr-2306	184	33	(	(	PUNCT
bjmsr-2306	184	34	kline	kline	PROPN
bjmsr-2306	184	35	,	,	PUNCT
bjmsr-2306	184	36	2016	2016	NUM
bjmsr-2306	184	37	)	)	PUNCT
bjmsr-2306	184	38	.	.	PUNCT
bjmsr-2306	185	1	the	the	DET
bjmsr-2306	185	2	excellent	excellent	ADJ
bjmsr-2306	185	3	performance	performance	NOUN
bjmsr-2306	185	4	of	of	ADP
bjmsr-2306	185	5	these	these	DET
bjmsr-2306	185	6	indices	index	NOUN
bjmsr-2306	185	7	supports	support	VERB
bjmsr-2306	185	8	the	the	DET
bjmsr-2306	185	9	conclusion	conclusion	NOUN
bjmsr-2306	185	10	that	that	SCONJ
bjmsr-2306	185	11	the	the	DET
bjmsr-2306	185	12	model	model	NOUN
bjmsr-2306	185	13	fits	fit	VERB
bjmsr-2306	185	14	the	the	DET
bjmsr-2306	185	15	data	datum	NOUN
bjmsr-2306	185	16	well	well	ADV
bjmsr-2306	185	17	despite	despite	SCONJ
bjmsr-2306	185	18	rmsea	rmsea	NOUN
bjmsr-2306	185	19	's	's	PART
bjmsr-2306	185	20	higher	high	ADJ
bjmsr-2306	185	21	value	value	NOUN
bjmsr-2306	185	22	.	.	PUNCT
bjmsr-2306	186	1	table	table	NOUN
bjmsr-2306	186	2	4	4	NUM
bjmsr-2306	186	3	.	.	PUNCT
bjmsr-2306	187	1	summary	summary	NOUN
bjmsr-2306	187	2	of	of	ADP
bjmsr-2306	187	3	model	model	NOUN
bjmsr-2306	187	4	fit	fit	PROPN
bjmsr-2306	187	5	statistics	statistics	PROPN
bjmsr-2306	187	6	s.n	s.n	PROPN
bjmsr-2306	187	7	.	.	PROPN
bjmsr-2306	187	8	fit	fit	PROPN
bjmsr-2306	187	9	index	index	NOUN
bjmsr-2306	187	10	recommended	recommend	VERB
bjmsr-2306	187	11	values	value	NOUN
bjmsr-2306	187	12	observed	observe	VERB
bjmsr-2306	187	13	values	value	NOUN
bjmsr-2306	187	14	comment	comment	VERB
bjmsr-2306	187	15	1	1	NUM
bjmsr-2306	187	16	gfi	gfi	PROPN
bjmsr-2306	187	17	>	>	PUNCT
bjmsr-2306	187	18	=	=	PROPN
bjmsr-2306	187	19	0.95	0.95	NUM
bjmsr-2306	187	20	0.99	0.99	NUM
bjmsr-2306	187	21	good	good	ADJ
bjmsr-2306	187	22	fit	fit	ADJ
bjmsr-2306	187	23	2	2	NUM
bjmsr-2306	187	24	agfi	agfi	NOUN
bjmsr-2306	187	25	>	>	X
bjmsr-2306	187	26	=	=	NUM
bjmsr-2306	187	27	0.80	0.80	NUM
bjmsr-2306	187	28	0.90	0.90	NUM
bjmsr-2306	187	29	good	good	ADJ
bjmsr-2306	187	30	fit	fit	ADJ
bjmsr-2306	187	31	3	3	NUM
bjmsr-2306	187	32	srmr	srmr	X
bjmsr-2306	187	33	<	<	X
bjmsr-2306	187	34	=	=	NOUN
bjmsr-2306	187	35	0.08	0.08	NUM
bjmsr-2306	187	36	0.05	0.05	NUM
bjmsr-2306	187	37	good	good	ADJ
bjmsr-2306	187	38	fit	fit	ADJ
bjmsr-2306	187	39	4	4	NUM
bjmsr-2306	187	40	rmsea	rmsea	NOUN
bjmsr-2306	187	41	<	<	X
bjmsr-2306	187	42	=	=	NOUN
bjmsr-2306	187	43	0.08	0.08	NUM
bjmsr-2306	187	44	0.12	0.12	NUM
bjmsr-2306	187	45	poor	poor	ADJ
bjmsr-2306	187	46	fit	fit	ADJ
bjmsr-2306	187	47	5	5	NUM
bjmsr-2306	187	48	nfi	nfi	NOUN
bjmsr-2306	187	49	>	>	PUNCT
bjmsr-2306	187	50	=	=	NOUN
bjmsr-2306	187	51	0.95	0.95	NUM
bjmsr-2306	187	52	0.99	0.99	NUM
bjmsr-2306	187	53	good	good	ADJ
bjmsr-2306	187	54	fit	fit	ADJ
bjmsr-2306	187	55	6	6	NUM
bjmsr-2306	187	56	tli	tli	NOUN
bjmsr-2306	187	57	>	>	PUNCT
bjmsr-2306	187	58	=	=	NUM
bjmsr-2306	187	59	0.95	0.95	NUM
bjmsr-2306	187	60	0.96	0.96	NUM
bjmsr-2306	187	61	good	good	ADJ
bjmsr-2306	187	62	fit	fit	ADJ
bjmsr-2306	187	63	7	7	NUM
bjmsr-2306	187	64	cfi	cfi	NOUN
bjmsr-2306	187	65	>	>	X
bjmsr-2306	187	66	=	=	NOUN
bjmsr-2306	187	67	0.95	0.95	NUM
bjmsr-2306	187	68	0.99	0.99	NUM
bjmsr-2306	187	69	good	good	ADJ
bjmsr-2306	187	70	fit	fit	ADJ
bjmsr-2306	188	1	gfi	gfi	PROPN
bjmsr-2306	188	2	=	=	PROPN
bjmsr-2306	188	3	goodness	goodness	NOUN
bjmsr-2306	188	4	-	-	PUNCT
bjmsr-2306	188	5	of	of	ADP
bjmsr-2306	188	6	-	-	PUNCT
bjmsr-2306	188	7	fit	fit	NOUN
bjmsr-2306	188	8	index	index	NOUN
bjmsr-2306	188	9	nfi	nfi	NOUN
bjmsr-2306	188	10	=	=	NUM
bjmsr-2306	188	11	normed	norme	VERB
bjmsr-2306	188	12	-	-	PUNCT
bjmsr-2306	188	13	fit	fit	ADJ
bjmsr-2306	188	14	index	index	NOUN
bjmsr-2306	188	15	agfi	agfi	NOUN
bjmsr-2306	188	16	=	=	PRON
bjmsr-2306	188	17	adjusted	adjust	VERB
bjmsr-2306	188	18	goodness	goodness	NOUN
bjmsr-2306	188	19	-	-	PUNCT
bjmsr-2306	188	20	of	of	ADP
bjmsr-2306	188	21	-	-	PUNCT
bjmsr-2306	188	22	fit	fit	ADJ
bjmsr-2306	188	23	tli	tli	NOUN
bjmsr-2306	188	24	=	=	PROPN
bjmsr-2306	188	25	tucker	tucker	PROPN
bjmsr-2306	188	26	-	-	PUNCT
bjmsr-2306	188	27	lewis	lewis	PROPN
bjmsr-2306	188	28	index	index	NOUN
bjmsr-2306	188	29	srmr=	srmr=	NUM
bjmsr-2306	188	30	standard	standard	ADJ
bjmsr-2306	188	31	root	root	NOUN
bjmsr-2306	188	32	mean	mean	NOUN
bjmsr-2306	188	33	square	square	ADJ
bjmsr-2306	188	34	residual	residual	ADJ
bjmsr-2306	188	35	cfi	cfi	NOUN
bjmsr-2306	188	36	=	=	NOUN
bjmsr-2306	188	37	comparative	comparative	ADJ
bjmsr-2306	188	38	fit	fit	ADJ
bjmsr-2306	188	39	index	index	NOUN
bjmsr-2306	188	40	rmsea=	rmsea=	NUM
bjmsr-2306	188	41	root	root	NOUN
bjmsr-2306	188	42	mean	mean	VERB
bjmsr-2306	188	43	square	square	ADJ
bjmsr-2306	188	44	error	error	NOUN
bjmsr-2306	188	45	of	of	ADP
bjmsr-2306	188	46	approximation	approximation	NOUN
bjmsr-2306	188	47	figure	figure	NOUN
bjmsr-2306	188	48	2	2	NUM
bjmsr-2306	188	49	.	.	PUNCT
bjmsr-2306	188	50	research	research	NOUN
bjmsr-2306	188	51	model	model	NOUN
bjmsr-2306	188	52	direct	direct	ADJ
bjmsr-2306	188	53	path	path	NOUN
bjmsr-2306	188	54	coefficients	coefficient	NOUN
bjmsr-2306	188	55	were	be	AUX
bjmsr-2306	188	56	computed	compute	VERB
bjmsr-2306	188	57	to	to	PART
bjmsr-2306	188	58	analyze	analyze	VERB
bjmsr-2306	188	59	the	the	DET
bjmsr-2306	188	60	impact	impact	NOUN
bjmsr-2306	188	61	of	of	ADP
bjmsr-2306	188	62	predictors	predictor	NOUN
bjmsr-2306	188	63	on	on	ADP
bjmsr-2306	188	64	the	the	DET
bjmsr-2306	188	65	dependent	dependent	ADJ
bjmsr-2306	188	66	variables	variable	NOUN
bjmsr-2306	188	67	.	.	PUNCT
bjmsr-2306	189	1	as	as	SCONJ
bjmsr-2306	189	2	shown	show	VERB
bjmsr-2306	189	3	in	in	ADP
bjmsr-2306	189	4	table	table	NOUN
bjmsr-2306	189	5	5	5	NUM
bjmsr-2306	189	6	,	,	PUNCT
bjmsr-2306	189	7	all	all	DET
bjmsr-2306	189	8	the	the	DET
bjmsr-2306	189	9	predictors	predictor	NOUN
bjmsr-2306	189	10	have	have	VERB
bjmsr-2306	189	11	a	a	DET
bjmsr-2306	189	12	significant	significant	ADJ
bjmsr-2306	189	13	positive	positive	ADJ
bjmsr-2306	189	14	impact	impact	NOUN
bjmsr-2306	189	15	on	on	ADP
bjmsr-2306	189	16	their	their	PRON
bjmsr-2306	189	17	dependent	dependent	ADJ
bjmsr-2306	189	18	variables	variable	NOUN
bjmsr-2306	189	19	.	.	PUNCT
bjmsr-2306	190	1	an	an	DET
bjmsr-2306	190	2	individual	individual	NOUN
bjmsr-2306	190	3	's	's	PART
bjmsr-2306	190	4	investment	investment	NOUN
bjmsr-2306	190	5	psychology	psychology	NOUN
bjmsr-2306	190	6	increases	increase	VERB
bjmsr-2306	190	7	his	his	PRON
bjmsr-2306	190	8	/	/	SYM
bjmsr-2306	190	9	her	her	PRON
bjmsr-2306	190	10	investment	investment	NOUN
bjmsr-2306	190	11	interest	interest	NOUN
bjmsr-2306	190	12	;	;	PUNCT
bjmsr-2306	190	13	accounting	account	VERB
bjmsr-2306	190	14	information	information	NOUN
bjmsr-2306	190	15	available	available	ADJ
bjmsr-2306	190	16	to	to	ADP
bjmsr-2306	190	17	the	the	DET
bjmsr-2306	190	18	respondents	respondent	NOUN
bjmsr-2306	190	19	further	far	ADV
bjmsr-2306	190	20	enhances	enhance	VERB
bjmsr-2306	190	21	the	the	DET
bjmsr-2306	190	22	investment	investment	NOUN
bjmsr-2306	190	23	interest	interest	NOUN
bjmsr-2306	190	24	,	,	PUNCT
bjmsr-2306	190	25	and	and	CCONJ
bjmsr-2306	190	26	respondents	respondent	NOUN
bjmsr-2306	190	27	'	'	PART
bjmsr-2306	190	28	fintech	fintech	NOUN
bjmsr-2306	190	29	exposure	exposure	NOUN
bjmsr-2306	190	30	has	have	VERB
bjmsr-2306	190	31	a	a	DET
bjmsr-2306	190	32	positive	positive	ADJ
bjmsr-2306	190	33	impact	impact	NOUN
bjmsr-2306	190	34	on	on	ADP
bjmsr-2306	190	35	their	their	PRON
bjmsr-2306	190	36	investment	investment	NOUN
bjmsr-2306	190	37	interest	interest	NOUN
bjmsr-2306	190	38	.	.	PUNCT
bjmsr-2306	191	1	additionally	additionally	ADV
bjmsr-2306	191	2	,	,	PUNCT
bjmsr-2306	191	3	investment	investment	NOUN
bjmsr-2306	191	4	interest	interest	NOUN
bjmsr-2306	191	5	,	,	PUNCT
bjmsr-2306	191	6	fintech	fintech	NOUN
bjmsr-2306	191	7	exposure	exposure	NOUN
bjmsr-2306	191	8	,	,	PUNCT
bjmsr-2306	191	9	and	and	CCONJ
bjmsr-2306	191	10	investors	investor	NOUN
bjmsr-2306	191	11	’	’	PART
bjmsr-2306	191	12	psychology	psychology	NOUN
bjmsr-2306	191	13	significantly	significantly	ADV
bjmsr-2306	191	14	promote	promote	VERB
bjmsr-2306	191	15	an	an	DET
bjmsr-2306	191	16	individual	individual	NOUN
bjmsr-2306	191	17	's	's	PART
bjmsr-2306	191	18	investment	investment	NOUN
bjmsr-2306	191	19	decisions	decision	NOUN
bjmsr-2306	191	20	.	.	PUNCT
bjmsr-2306	192	1	table	table	NOUN
bjmsr-2306	192	2	5	5	NUM
bjmsr-2306	192	3	.	.	PUNCT
bjmsr-2306	192	4	direct	direct	ADJ
bjmsr-2306	192	5	path	path	NOUN
bjmsr-2306	192	6	coefficients	coefficient	VERB
bjmsr-2306	192	7	s.n	s.n	PROPN
bjmsr-2306	192	8	.	.	PROPN
bjmsr-2306	192	9	predictor	predictor	PROPN
bjmsr-2306	192	10	dependent	dependent	ADJ
bjmsr-2306	192	11	variable	variable	ADJ
bjmsr-2306	192	12	coefficient	coefficient	NOUN
bjmsr-2306	192	13	sig	sig	NOUN
bjmsr-2306	192	14	.	.	PROPN
bjmsr-2306	192	15	1	1	NUM
bjmsr-2306	192	16	investors	investor	NOUN
bjmsr-2306	192	17	’	'	PUNCT
bjmsr-2306	192	18	psychology	psychology	NOUN
bjmsr-2306	192	19	investment	investment	NOUN
bjmsr-2306	192	20	interest	interest	NOUN
bjmsr-2306	192	21	0.23	0.23	NUM
bjmsr-2306	192	22	0.01	0.01	NUM
bjmsr-2306	192	23	2	2	NUM
bjmsr-2306	192	24	accounting	accounting	NOUN
bjmsr-2306	192	25	information	information	NOUN
bjmsr-2306	192	26	investment	investment	NOUN
bjmsr-2306	192	27	interest	interest	NOUN
bjmsr-2306	192	28	0.17	0.17	NUM
bjmsr-2306	192	29	0.01	0.01	NUM
bjmsr-2306	192	30	3	3	NUM
bjmsr-2306	192	31	fintech	fintech	NOUN
bjmsr-2306	192	32	exposure	exposure	NOUN
bjmsr-2306	192	33	investment	investment	NOUN
bjmsr-2306	192	34	interest	interest	NOUN
bjmsr-2306	192	35	0.33	0.33	NUM
bjmsr-2306	192	36	0.01	0.01	NUM
bjmsr-2306	192	37	4	4	NUM
bjmsr-2306	192	38	investment	investment	NOUN
bjmsr-2306	192	39	interest	interest	NOUN
bjmsr-2306	192	40	investment	investment	NOUN
bjmsr-2306	192	41	decision	decision	NOUN
bjmsr-2306	192	42	making	make	VERB
bjmsr-2306	192	43	0.58	0.58	NUM
bjmsr-2306	192	44	0.01	0.01	NUM
bjmsr-2306	192	45	5	5	NUM
bjmsr-2306	192	46	fintech	fintech	NOUN
bjmsr-2306	192	47	exposure	exposure	NOUN
bjmsr-2306	192	48	investment	investment	NOUN
bjmsr-2306	192	49	decision	decision	NOUN
bjmsr-2306	192	50	making	make	VERB
bjmsr-2306	192	51	0.11	0.11	NUM
bjmsr-2306	192	52	0.01	0.01	NUM
bjmsr-2306	192	53	6	6	NUM
bjmsr-2306	192	54	investors	investor	NOUN
bjmsr-2306	192	55	’	’	PART
bjmsr-2306	192	56	psychology	psychology	NOUN
bjmsr-2306	192	57	investment	investment	NOUN
bjmsr-2306	192	58	decision	decision	NOUN
bjmsr-2306	192	59	making	make	VERB
bjmsr-2306	192	60	0.14	0.14	NUM
bjmsr-2306	192	61	0.01	0.01	NUM
bjmsr-2306	192	62	the	the	DET
bjmsr-2306	192	63	role	role	NOUN
bjmsr-2306	192	64	of	of	ADP
bjmsr-2306	192	65	psychological	psychological	ADJ
bjmsr-2306	192	66	factors	factor	NOUN
bjmsr-2306	192	67	in	in	ADP
bjmsr-2306	192	68	investment	investment	NOUN
bjmsr-2306	192	69	decisions	decision	NOUN
bjmsr-2306	192	70	psychological	psychological	ADJ
bjmsr-2306	192	71	factors	factor	NOUN
bjmsr-2306	192	72	are	be	AUX
bjmsr-2306	192	73	found	find	VERB
bjmsr-2306	192	74	to	to	PART
bjmsr-2306	192	75	have	have	VERB
bjmsr-2306	192	76	a	a	DET
bjmsr-2306	192	77	significant	significant	ADJ
bjmsr-2306	192	78	impact	impact	NOUN
bjmsr-2306	192	79	on	on	ADP
bjmsr-2306	192	80	investment	investment	NOUN
bjmsr-2306	192	81	interest	interest	NOUN
bjmsr-2306	192	82	(	(	PUNCT
bjmsr-2306	192	83	β	β	X
bjmsr-2306	192	84	=	=	SYM
bjmsr-2306	192	85	0.23	0.23	NUM
bjmsr-2306	192	86	,	,	PUNCT
bjmsr-2306	192	87	p	p	X
bjmsr-2306	192	88	=	=	NOUN
bjmsr-2306	192	89	0.01	0.01	NUM
bjmsr-2306	192	90	)	)	PUNCT
bjmsr-2306	192	91	and	and	CCONJ
bjmsr-2306	192	92	,	,	PUNCT
bjmsr-2306	192	93	to	to	ADP
bjmsr-2306	192	94	a	a	DET
bjmsr-2306	192	95	lesser	less	ADJ
bjmsr-2306	192	96	extent	extent	NOUN
bjmsr-2306	192	97	,	,	PUNCT
bjmsr-2306	192	98	investment	investment	NOUN
bjmsr-2306	192	99	decision	decision	NOUN
bjmsr-2306	192	100	-	-	PUNCT
bjmsr-2306	192	101	making	making	NOUN
bjmsr-2306	192	102	(	(	PUNCT
bjmsr-2306	192	103	β	β	X
bjmsr-2306	192	104	=	=	SYM
bjmsr-2306	192	105	0.14	0.14	NUM
bjmsr-2306	192	106	,	,	PUNCT
bjmsr-2306	192	107	p	p	X
bjmsr-2306	192	108	=	=	NOUN
bjmsr-2306	192	109	0.01	0.01	NUM
bjmsr-2306	192	110	)	)	PUNCT
bjmsr-2306	192	111	.	.	PUNCT
bjmsr-2306	193	1	this	this	PRON
bjmsr-2306	193	2	shows	show	VERB
bjmsr-2306	193	3	that	that	SCONJ
bjmsr-2306	193	4	individuals	individual	NOUN
bjmsr-2306	193	5	with	with	ADP
bjmsr-2306	193	6	well	well	ADV
bjmsr-2306	193	7	-	-	PUNCT
bjmsr-2306	193	8	organized	organize	VERB
bjmsr-2306	193	9	financial	financial	ADJ
bjmsr-2306	193	10	behavior	behavior	NOUN
bjmsr-2306	193	11	,	,	PUNCT
bjmsr-2306	193	12	such	such	ADJ
bjmsr-2306	193	13	as	as	ADP
bjmsr-2306	193	14	consistent	consistent	ADJ
bjmsr-2306	193	15	savings	saving	NOUN
bjmsr-2306	193	16	and	and	CCONJ
bjmsr-2306	193	17	planning	planning	NOUN
bjmsr-2306	193	18	,	,	PUNCT
bjmsr-2306	193	19	exhibit	exhibit	VERB
bjmsr-2306	193	20	a	a	DET
bjmsr-2306	193	21	superior	superior	ADJ
bjmsr-2306	193	22	inclination	inclination	NOUN
bjmsr-2306	193	23	toward	toward	ADP
bjmsr-2306	193	24	investment	investment	NOUN
bjmsr-2306	193	25	activities	activity	NOUN
bjmsr-2306	193	26	.	.	PUNCT
bjmsr-2306	194	1	the	the	DET
bjmsr-2306	194	2	mediating	mediate	VERB
bjmsr-2306	194	3	effect	effect	NOUN
bjmsr-2306	194	4	on	on	ADP
bjmsr-2306	194	5	investment	investment	NOUN
bjmsr-2306	194	6	decision	decision	NOUN
bjmsr-2306	194	7	-	-	PUNCT
bjmsr-2306	194	8	making	making	NOUN
bjmsr-2306	194	9	indicates	indicate	VERB
bjmsr-2306	194	10	that	that	SCONJ
bjmsr-2306	194	11	despite	despite	SCONJ
bjmsr-2306	194	12	the	the	DET
bjmsr-2306	194	13	fact	fact	NOUN
bjmsr-2306	194	14	that	that	SCONJ
bjmsr-2306	194	15	investor	investor	NOUN
bjmsr-2306	194	16	psychology	psychology	NOUN
bjmsr-2306	194	17	provides	provide	VERB
bjmsr-2306	194	18	the	the	DET
bjmsr-2306	194	19	foundation	foundation	NOUN
bjmsr-2306	194	20	for	for	ADP
bjmsr-2306	194	21	investment	investment	NOUN
bjmsr-2306	194	22	zaheeruddin	zaheeruddin	PROPN
bjmsr-2306	194	23	&	&	CCONJ
bjmsr-2306	194	24	kumar	kumar	PROPN
bjmsr-2306	194	25	,	,	PUNCT
bjmsr-2306	194	26	bangladesh	bangladesh	PROPN
bjmsr-2306	194	27	journal	journal	NOUN
bjmsr-2306	194	28	of	of	ADP
bjmsr-2306	194	29	multidisciplinary	multidisciplinary	ADJ
bjmsr-2306	194	30	scientific	scientific	ADJ
bjmsr-2306	194	31	research	research	NOUN
bjmsr-2306	194	32	10(2	10(2	NUM
bjmsr-2306	194	33	)	)	PUNCT
bjmsr-2306	194	34	(	(	PUNCT
bjmsr-2306	194	35	2025	2025	NUM
bjmsr-2306	194	36	)	)	PUNCT
bjmsr-2306	194	37	,	,	PUNCT
bjmsr-2306	194	38	12	12	NUM
bjmsr-2306	194	39	-	-	SYM
bjmsr-2306	194	40	20	20	NUM
bjmsr-2306	194	41	18	18	NUM
bjmsr-2306	194	42	interest	interest	NOUN
bjmsr-2306	194	43	,	,	PUNCT
bjmsr-2306	194	44	other	other	ADJ
bjmsr-2306	194	45	factors	factor	NOUN
bjmsr-2306	194	46	,	,	PUNCT
bjmsr-2306	194	47	viz	viz	PROPN
bjmsr-2306	194	48	.	.	PROPN
bjmsr-2306	194	49	,	,	PUNCT
bjmsr-2306	194	50	fintech	fintech	NOUN
bjmsr-2306	194	51	exposure	exposure	NOUN
bjmsr-2306	194	52	and	and	CCONJ
bjmsr-2306	194	53	accounting	accounting	NOUN
bjmsr-2306	194	54	information	information	NOUN
bjmsr-2306	194	55	,	,	PUNCT
bjmsr-2306	194	56	also	also	ADV
bjmsr-2306	194	57	have	have	VERB
bjmsr-2306	194	58	a	a	DET
bjmsr-2306	194	59	crucial	crucial	ADJ
bjmsr-2306	194	60	role	role	NOUN
bjmsr-2306	194	61	to	to	PART
bjmsr-2306	194	62	play	play	VERB
bjmsr-2306	194	63	in	in	ADP
bjmsr-2306	194	64	shaping	shape	VERB
bjmsr-2306	194	65	final	final	ADJ
bjmsr-2306	194	66	investment	investment	NOUN
bjmsr-2306	194	67	choices	choice	NOUN
bjmsr-2306	194	68	.	.	PUNCT
bjmsr-2306	195	1	this	this	PRON
bjmsr-2306	195	2	is	be	AUX
bjmsr-2306	195	3	consistent	consistent	ADJ
bjmsr-2306	195	4	with	with	ADP
bjmsr-2306	195	5	behavioral	behavioral	ADJ
bjmsr-2306	195	6	finance	finance	NOUN
bjmsr-2306	195	7	theories	theory	NOUN
bjmsr-2306	195	8	,	,	PUNCT
bjmsr-2306	195	9	which	which	PRON
bjmsr-2306	195	10	claim	claim	VERB
bjmsr-2306	195	11	that	that	SCONJ
bjmsr-2306	195	12	an	an	DET
bjmsr-2306	195	13	individual	individual	NOUN
bjmsr-2306	195	14	’s	’s	PART
bjmsr-2306	195	15	emotional	emotional	ADJ
bjmsr-2306	195	16	characters	character	NOUN
bjmsr-2306	195	17	shape	shape	VERB
bjmsr-2306	195	18	their	their	PRON
bjmsr-2306	195	19	readiness	readiness	NOUN
bjmsr-2306	195	20	to	to	PART
bjmsr-2306	195	21	take	take	VERB
bjmsr-2306	195	22	on	on	ADP
bjmsr-2306	195	23	investment	investment	NOUN
bjmsr-2306	195	24	risks	risk	NOUN
bjmsr-2306	195	25	and	and	CCONJ
bjmsr-2306	195	26	explore	explore	VERB
bjmsr-2306	195	27	various	various	ADJ
bjmsr-2306	195	28	financial	financial	ADJ
bjmsr-2306	195	29	opportunities	opportunity	NOUN
bjmsr-2306	195	30	(	(	PUNCT
bjmsr-2306	195	31	shapira	shapira	PROPN
bjmsr-2306	195	32	&	&	CCONJ
bjmsr-2306	195	33	venezia	venezia	PROPN
bjmsr-2306	195	34	,	,	PUNCT
bjmsr-2306	195	35	2001	2001	NUM
bjmsr-2306	195	36	;	;	PUNCT
bjmsr-2306	195	37	pompian	pompian	NUM
bjmsr-2306	195	38	,	,	PUNCT
bjmsr-2306	195	39	2006	2006	NUM
bjmsr-2306	195	40	)	)	PUNCT
bjmsr-2306	195	41	.	.	PUNCT
bjmsr-2306	196	1	confidence	confidence	NOUN
bjmsr-2306	196	2	and	and	CCONJ
bjmsr-2306	196	3	secure	secure	ADJ
bjmsr-2306	196	4	financial	financial	ADJ
bjmsr-2306	196	5	situations	situation	NOUN
bjmsr-2306	196	6	are	be	AUX
bjmsr-2306	196	7	the	the	DET
bjmsr-2306	196	8	result	result	NOUN
bjmsr-2306	196	9	of	of	ADP
bjmsr-2306	196	10	well	well	ADV
bjmsr-2306	196	11	-	-	PUNCT
bjmsr-2306	196	12	organized	organize	VERB
bjmsr-2306	196	13	financial	financial	ADJ
bjmsr-2306	196	14	habits	habit	NOUN
bjmsr-2306	196	15	,	,	PUNCT
bjmsr-2306	196	16	which	which	PRON
bjmsr-2306	196	17	in	in	ADP
bjmsr-2306	196	18	turn	turn	NOUN
bjmsr-2306	196	19	enhances	enhance	VERB
bjmsr-2306	196	20	their	their	PRON
bjmsr-2306	196	21	willingness	willingness	NOUN
bjmsr-2306	196	22	to	to	PART
bjmsr-2306	196	23	invest	invest	VERB
bjmsr-2306	196	24	(	(	PUNCT
bjmsr-2306	196	25	lusardi	lusardi	PROPN
bjmsr-2306	196	26	&	&	CCONJ
bjmsr-2306	196	27	mitchell	mitchell	PROPN
bjmsr-2306	196	28	,	,	PUNCT
bjmsr-2306	196	29	2011	2011	NUM
bjmsr-2306	196	30	)	)	PUNCT
bjmsr-2306	196	31	.	.	PUNCT
bjmsr-2306	197	1	influence	influence	NOUN
bjmsr-2306	197	2	of	of	ADP
bjmsr-2306	197	3	accounting	account	VERB
bjmsr-2306	197	4	information	information	NOUN
bjmsr-2306	197	5	on	on	ADP
bjmsr-2306	197	6	investment	investment	NOUN
bjmsr-2306	197	7	interest	interest	NOUN
bjmsr-2306	197	8	the	the	DET
bjmsr-2306	197	9	findings	finding	NOUN
bjmsr-2306	197	10	reveal	reveal	VERB
bjmsr-2306	197	11	that	that	SCONJ
bjmsr-2306	197	12	there	there	PRON
bjmsr-2306	197	13	is	be	VERB
bjmsr-2306	197	14	a	a	DET
bjmsr-2306	197	15	positive	positive	ADJ
bjmsr-2306	197	16	but	but	CCONJ
bjmsr-2306	197	17	yet	yet	ADV
bjmsr-2306	197	18	relatively	relatively	ADV
bjmsr-2306	197	19	low	low	ADJ
bjmsr-2306	197	20	impact	impact	NOUN
bjmsr-2306	197	21	of	of	ADP
bjmsr-2306	197	22	accounting	accounting	NOUN
bjmsr-2306	197	23	information	information	NOUN
bjmsr-2306	197	24	on	on	ADP
bjmsr-2306	197	25	investment	investment	NOUN
bjmsr-2306	197	26	interest	interest	NOUN
bjmsr-2306	197	27	(	(	PUNCT
bjmsr-2306	197	28	β	β	X
bjmsr-2306	197	29	=	=	SYM
bjmsr-2306	197	30	0.17	0.17	NUM
bjmsr-2306	197	31	,	,	PUNCT
bjmsr-2306	197	32	p	p	X
bjmsr-2306	197	33	=	=	NOUN
bjmsr-2306	197	34	0.01	0.01	NUM
bjmsr-2306	197	35	)	)	PUNCT
bjmsr-2306	197	36	.	.	PUNCT
bjmsr-2306	198	1	this	this	DET
bjmsr-2306	198	2	specifies	specifie	NOUN
bjmsr-2306	198	3	that	that	SCONJ
bjmsr-2306	198	4	while	while	SCONJ
bjmsr-2306	198	5	financial	financial	ADJ
bjmsr-2306	198	6	reports	report	NOUN
bjmsr-2306	198	7	and	and	CCONJ
bjmsr-2306	198	8	accounting	accounting	NOUN
bjmsr-2306	198	9	statements	statement	NOUN
bjmsr-2306	198	10	contribute	contribute	VERB
bjmsr-2306	198	11	to	to	ADP
bjmsr-2306	198	12	investor	investor	NOUN
bjmsr-2306	198	13	preparedness	preparedness	NOUN
bjmsr-2306	198	14	to	to	PART
bjmsr-2306	198	15	take	take	VERB
bjmsr-2306	198	16	part	part	NOUN
bjmsr-2306	198	17	in	in	ADP
bjmsr-2306	198	18	investment	investment	NOUN
bjmsr-2306	198	19	activities	activity	NOUN
bjmsr-2306	198	20	,	,	PUNCT
bjmsr-2306	198	21	they	they	PRON
bjmsr-2306	198	22	are	be	AUX
bjmsr-2306	198	23	not	not	PART
bjmsr-2306	198	24	the	the	DET
bjmsr-2306	198	25	key	key	ADJ
bjmsr-2306	198	26	drivers	driver	NOUN
bjmsr-2306	198	27	of	of	ADP
bjmsr-2306	198	28	investment	investment	NOUN
bjmsr-2306	198	29	eagerness	eagerness	NOUN
bjmsr-2306	198	30	.	.	PUNCT
bjmsr-2306	199	1	this	this	PRON
bjmsr-2306	199	2	aligns	align	VERB
bjmsr-2306	199	3	with	with	ADP
bjmsr-2306	199	4	prior	prior	ADJ
bjmsr-2306	199	5	studies	study	NOUN
bjmsr-2306	199	6	postulates	postulate	VERB
bjmsr-2306	199	7	that	that	SCONJ
bjmsr-2306	199	8	investment	investment	NOUN
bjmsr-2306	199	9	decisions	decision	NOUN
bjmsr-2306	199	10	are	be	AUX
bjmsr-2306	199	11	influenced	influence	VERB
bjmsr-2306	199	12	by	by	ADP
bjmsr-2306	199	13	a	a	DET
bjmsr-2306	199	14	variety	variety	NOUN
bjmsr-2306	199	15	of	of	ADP
bjmsr-2306	199	16	factors	factor	NOUN
bjmsr-2306	199	17	beyond	beyond	ADP
bjmsr-2306	199	18	traditional	traditional	ADJ
bjmsr-2306	199	19	accounting	accounting	NOUN
bjmsr-2306	199	20	data	datum	NOUN
bjmsr-2306	199	21	(	(	PUNCT
bjmsr-2306	199	22	aren	aren	X
bjmsr-2306	199	23	&	&	CCONJ
bjmsr-2306	199	24	aydemir	aydemir	PROPN
bjmsr-2306	199	25	,	,	PUNCT
bjmsr-2306	199	26	2015	2015	NUM
bjmsr-2306	199	27	;	;	PUNCT
bjmsr-2306	199	28	barberis	barberis	PROPN
bjmsr-2306	199	29	&	&	CCONJ
bjmsr-2306	199	30	thaler	thaler	PROPN
bjmsr-2306	199	31	,	,	PUNCT
bjmsr-2306	199	32	2003	2003	NUM
bjmsr-2306	199	33	)	)	PUNCT
bjmsr-2306	199	34	.	.	PUNCT
bjmsr-2306	200	1	given	give	VERB
bjmsr-2306	200	2	the	the	DET
bjmsr-2306	200	3	increasing	increase	VERB
bjmsr-2306	200	4	intricacy	intricacy	NOUN
bjmsr-2306	200	5	of	of	ADP
bjmsr-2306	200	6	financial	financial	ADJ
bjmsr-2306	200	7	markets	market	NOUN
bjmsr-2306	200	8	and	and	CCONJ
bjmsr-2306	200	9	the	the	DET
bjmsr-2306	200	10	user	user	NOUN
bjmsr-2306	200	11	-	-	PUNCT
bjmsr-2306	200	12	friendliness	friendliness	NOUN
bjmsr-2306	200	13	of	of	ADP
bjmsr-2306	200	14	alternative	alternative	ADJ
bjmsr-2306	200	15	investment	investment	NOUN
bjmsr-2306	200	16	tools	tool	NOUN
bjmsr-2306	200	17	,	,	PUNCT
bjmsr-2306	200	18	traditional	traditional	ADJ
bjmsr-2306	200	19	accounting	accounting	NOUN
bjmsr-2306	200	20	information	information	NOUN
bjmsr-2306	200	21	must	must	AUX
bjmsr-2306	200	22	be	be	AUX
bjmsr-2306	200	23	augmented	augment	VERB
bjmsr-2306	200	24	with	with	ADP
bjmsr-2306	200	25	more	more	ADV
bjmsr-2306	200	26	innovative	innovative	ADJ
bjmsr-2306	200	27	financial	financial	ADJ
bjmsr-2306	200	28	literacy	literacy	NOUN
bjmsr-2306	200	29	initiatives	initiative	NOUN
bjmsr-2306	200	30	to	to	PART
bjmsr-2306	200	31	enhance	enhance	VERB
bjmsr-2306	200	32	its	its	PRON
bjmsr-2306	200	33	impact	impact	NOUN
bjmsr-2306	200	34	.	.	PUNCT
bjmsr-2306	201	1	as	as	SCONJ
bjmsr-2306	201	2	suggested	suggest	VERB
bjmsr-2306	201	3	by	by	ADP
bjmsr-2306	201	4	research	research	NOUN
bjmsr-2306	201	5	conducted	conduct	VERB
bjmsr-2306	201	6	by	by	ADP
bjmsr-2306	201	7	huston	huston	PROPN
bjmsr-2306	201	8	(	(	PUNCT
bjmsr-2306	201	9	2010	2010	NUM
bjmsr-2306	201	10	)	)	PUNCT
bjmsr-2306	201	11	,	,	PUNCT
bjmsr-2306	201	12	gamified	gamifie	VERB
bjmsr-2306	201	13	investment	investment	NOUN
bjmsr-2306	201	14	education	education	NOUN
bjmsr-2306	201	15	,	,	PUNCT
bjmsr-2306	201	16	collaborative	collaborative	ADJ
bjmsr-2306	201	17	data	datum	NOUN
bjmsr-2306	201	18	visualization	visualization	NOUN
bjmsr-2306	201	19	tools	tool	NOUN
bjmsr-2306	201	20	,	,	PUNCT
bjmsr-2306	201	21	and	and	CCONJ
bjmsr-2306	201	22	ai	ai	AUX
bjmsr-2306	201	23	-	-	PUNCT
bjmsr-2306	201	24	based	base	VERB
bjmsr-2306	201	25	financial	financial	ADJ
bjmsr-2306	201	26	advisory	advisory	ADJ
bjmsr-2306	201	27	services	service	NOUN
bjmsr-2306	201	28	may	may	AUX
bjmsr-2306	201	29	help	help	VERB
bjmsr-2306	201	30	bridge	bridge	VERB
bjmsr-2306	201	31	the	the	DET
bjmsr-2306	201	32	gap	gap	NOUN
bjmsr-2306	201	33	between	between	ADP
bjmsr-2306	201	34	raw	raw	ADJ
bjmsr-2306	201	35	accounting	accounting	NOUN
bjmsr-2306	201	36	data	datum	NOUN
bjmsr-2306	201	37	and	and	CCONJ
bjmsr-2306	201	38	actionable	actionable	ADJ
bjmsr-2306	201	39	investment	investment	NOUN
bjmsr-2306	201	40	insights	insight	NOUN
bjmsr-2306	201	41	.	.	PUNCT
bjmsr-2306	202	1	moreover	moreover	ADV
bjmsr-2306	202	2	,	,	PUNCT
bjmsr-2306	202	3	governing	govern	VERB
bjmsr-2306	202	4	bodies	body	NOUN
bjmsr-2306	202	5	and	and	CCONJ
bjmsr-2306	202	6	financial	financial	ADJ
bjmsr-2306	202	7	institutions	institution	NOUN
bjmsr-2306	202	8	must	must	AUX
bjmsr-2306	202	9	collaborate	collaborate	VERB
bjmsr-2306	202	10	to	to	PART
bjmsr-2306	202	11	streamline	streamline	VERB
bjmsr-2306	202	12	financial	financial	ADJ
bjmsr-2306	202	13	disclosures	disclosure	NOUN
bjmsr-2306	202	14	and	and	CCONJ
bjmsr-2306	202	15	make	make	VERB
bjmsr-2306	202	16	them	they	PRON
bjmsr-2306	202	17	more	more	ADJ
bjmsr-2306	202	18	investor	investor	NOUN
bjmsr-2306	202	19	-	-	PUNCT
bjmsr-2306	202	20	friendly	friendly	ADJ
bjmsr-2306	202	21	,	,	PUNCT
bjmsr-2306	202	22	thereby	thereby	ADV
bjmsr-2306	202	23	fostering	foster	VERB
bjmsr-2306	202	24	more	more	ADV
bjmsr-2306	202	25	significant	significant	ADJ
bjmsr-2306	202	26	engagement	engagement	NOUN
bjmsr-2306	202	27	with	with	ADP
bjmsr-2306	202	28	accounting	accounting	NOUN
bjmsr-2306	202	29	information	information	NOUN
bjmsr-2306	202	30	(	(	PUNCT
bjmsr-2306	202	31	ball	ball	NOUN
bjmsr-2306	202	32	,	,	PUNCT
bjmsr-2306	202	33	2006	2006	NUM
bjmsr-2306	202	34	;	;	PUNCT
bjmsr-2306	202	35	ali	ali	PROPN
bjmsr-2306	202	36	et	et	PROPN
bjmsr-2306	202	37	al	al	PROPN
bjmsr-2306	202	38	.	.	PROPN
bjmsr-2306	202	39	,	,	PUNCT
bjmsr-2306	202	40	2024	2024	NUM
bjmsr-2306	202	41	)	)	PUNCT
bjmsr-2306	202	42	.	.	PUNCT
bjmsr-2306	203	1	fintech	fintech	NOUN
bjmsr-2306	203	2	exposure	exposure	NOUN
bjmsr-2306	203	3	and	and	CCONJ
bjmsr-2306	203	4	its	its	PRON
bjmsr-2306	203	5	growing	grow	VERB
bjmsr-2306	203	6	importance	importance	NOUN
bjmsr-2306	203	7	the	the	DET
bjmsr-2306	203	8	most	most	ADV
bjmsr-2306	203	9	interesting	interesting	ADJ
bjmsr-2306	203	10	finding	finding	NOUN
bjmsr-2306	203	11	is	be	AUX
bjmsr-2306	203	12	the	the	DET
bjmsr-2306	203	13	substantial	substantial	ADJ
bjmsr-2306	203	14	impact	impact	NOUN
bjmsr-2306	203	15	of	of	ADP
bjmsr-2306	203	16	fintech	fintech	NOUN
bjmsr-2306	203	17	exposure	exposure	NOUN
bjmsr-2306	203	18	on	on	ADP
bjmsr-2306	203	19	both	both	DET
bjmsr-2306	203	20	investment	investment	NOUN
bjmsr-2306	203	21	interest	interest	NOUN
bjmsr-2306	203	22	(	(	PUNCT
bjmsr-2306	203	23	β	β	X
bjmsr-2306	203	24	=	=	SYM
bjmsr-2306	203	25	0.33	0.33	NUM
bjmsr-2306	203	26	,	,	PUNCT
bjmsr-2306	203	27	p	p	X
bjmsr-2306	203	28	=	=	NOUN
bjmsr-2306	203	29	0.01	0.01	NUM
bjmsr-2306	203	30	)	)	PUNCT
bjmsr-2306	203	31	and	and	CCONJ
bjmsr-2306	203	32	investment	investment	NOUN
bjmsr-2306	203	33	decision	decision	NOUN
bjmsr-2306	203	34	-	-	PUNCT
bjmsr-2306	203	35	making	making	NOUN
bjmsr-2306	203	36	(	(	PUNCT
bjmsr-2306	203	37	β	β	X
bjmsr-2306	203	38	=	=	SYM
bjmsr-2306	203	39	0.11	0.11	NUM
bjmsr-2306	203	40	,	,	PUNCT
bjmsr-2306	203	41	p	p	X
bjmsr-2306	203	42	=	=	NOUN
bjmsr-2306	203	43	0.01	0.01	NUM
bjmsr-2306	203	44	)	)	PUNCT
bjmsr-2306	203	45	.	.	PUNCT
bjmsr-2306	204	1	the	the	DET
bjmsr-2306	204	2	sturdy	sturdy	ADJ
bjmsr-2306	204	3	association	association	NOUN
bjmsr-2306	204	4	between	between	ADP
bjmsr-2306	204	5	fintech	fintech	NOUN
bjmsr-2306	204	6	exposure	exposure	NOUN
bjmsr-2306	204	7	and	and	CCONJ
bjmsr-2306	204	8	investment	investment	NOUN
bjmsr-2306	204	9	interest	interest	NOUN
bjmsr-2306	204	10	highlights	highlight	VERB
bjmsr-2306	204	11	the	the	DET
bjmsr-2306	204	12	transformative	transformative	ADJ
bjmsr-2306	204	13	role	role	NOUN
bjmsr-2306	204	14	of	of	ADP
bjmsr-2306	204	15	digital	digital	ADJ
bjmsr-2306	204	16	financial	financial	ADJ
bjmsr-2306	204	17	platforms	platform	NOUN
bjmsr-2306	204	18	,	,	PUNCT
bjmsr-2306	204	19	robo	robo	NOUN
bjmsr-2306	204	20	-	-	PUNCT
bjmsr-2306	204	21	advisors	advisor	NOUN
bjmsr-2306	204	22	,	,	PUNCT
bjmsr-2306	204	23	and	and	CCONJ
bjmsr-2306	204	24	mobile	mobile	ADJ
bjmsr-2306	204	25	banking	banking	NOUN
bjmsr-2306	204	26	applications	application	NOUN
bjmsr-2306	204	27	in	in	ADP
bjmsr-2306	204	28	promoting	promote	VERB
bjmsr-2306	204	29	investor	investor	NOUN
bjmsr-2306	204	30	engagement	engagement	NOUN
bjmsr-2306	204	31	.	.	PUNCT
bjmsr-2306	205	1	these	these	DET
bjmsr-2306	205	2	hi	hi	ADJ
bjmsr-2306	205	3	-	-	PUNCT
bjmsr-2306	205	4	tech	tech	ADJ
bjmsr-2306	205	5	inventions	invention	NOUN
bjmsr-2306	205	6	have	have	AUX
bjmsr-2306	205	7	not	not	PART
bjmsr-2306	205	8	only	only	ADV
bjmsr-2306	205	9	given	give	VERB
bjmsr-2306	205	10	everyone	everyone	PRON
bjmsr-2306	205	11	access	access	NOUN
bjmsr-2306	205	12	to	to	ADP
bjmsr-2306	205	13	financial	financial	ADJ
bjmsr-2306	205	14	markets	market	NOUN
bjmsr-2306	205	15	but	but	CCONJ
bjmsr-2306	205	16	also	also	ADV
bjmsr-2306	205	17	boosted	boost	VERB
bjmsr-2306	205	18	financial	financial	ADJ
bjmsr-2306	205	19	learning	learning	NOUN
bjmsr-2306	205	20	and	and	CCONJ
bjmsr-2306	205	21	awareness	awareness	NOUN
bjmsr-2306	205	22	among	among	ADP
bjmsr-2306	205	23	investors	investor	NOUN
bjmsr-2306	205	24	(	(	PUNCT
bjmsr-2306	205	25	zhang	zhang	PROPN
bjmsr-2306	205	26	,	,	PUNCT
bjmsr-2306	205	27	2025	2025	NUM
bjmsr-2306	205	28	)	)	PUNCT
bjmsr-2306	205	29	.	.	PUNCT
bjmsr-2306	206	1	the	the	DET
bjmsr-2306	206	2	availability	availability	NOUN
bjmsr-2306	206	3	of	of	ADP
bjmsr-2306	206	4	real	real	ADJ
bjmsr-2306	206	5	-	-	PUNCT
bjmsr-2306	206	6	time	time	NOUN
bjmsr-2306	206	7	financial	financial	ADJ
bjmsr-2306	206	8	data	datum	NOUN
bjmsr-2306	206	9	,	,	PUNCT
bjmsr-2306	206	10	robotic	robotic	ADJ
bjmsr-2306	206	11	advisors	advisor	NOUN
bjmsr-2306	206	12	,	,	PUNCT
bjmsr-2306	206	13	and	and	CCONJ
bjmsr-2306	206	14	smooth	smooth	ADJ
bjmsr-2306	206	15	and	and	CCONJ
bjmsr-2306	206	16	continuous	continuous	ADJ
bjmsr-2306	206	17	trading	trading	NOUN
bjmsr-2306	206	18	practices	practice	NOUN
bjmsr-2306	206	19	has	have	VERB
bjmsr-2306	206	20	expressively	expressively	ADV
bjmsr-2306	206	21	inclined	incline	VERB
bjmsr-2306	206	22	investor	investor	NOUN
bjmsr-2306	206	23	’s	’s	PART
bjmsr-2306	206	24	willingness	willingness	NOUN
bjmsr-2306	206	25	to	to	PART
bjmsr-2306	206	26	discover	discover	VERB
bjmsr-2306	206	27	additional	additional	ADJ
bjmsr-2306	206	28	financial	financial	ADJ
bjmsr-2306	206	29	opportunities	opportunity	NOUN
bjmsr-2306	206	30	(	(	PUNCT
bjmsr-2306	206	31	venkatesh	venkatesh	PROPN
bjmsr-2306	206	32	et	et	PROPN
bjmsr-2306	206	33	al	al	PROPN
bjmsr-2306	206	34	.	.	PROPN
bjmsr-2306	206	35	,	,	PUNCT
bjmsr-2306	206	36	2003	2003	NUM
bjmsr-2306	206	37	)	)	PUNCT
bjmsr-2306	206	38	.	.	PUNCT
bjmsr-2306	207	1	the	the	DET
bjmsr-2306	207	2	comparatively	comparatively	ADV
bjmsr-2306	207	3	lower	low	ADJ
bjmsr-2306	207	4	direct	direct	ADJ
bjmsr-2306	207	5	impact	impact	NOUN
bjmsr-2306	207	6	on	on	ADP
bjmsr-2306	207	7	investment	investment	NOUN
bjmsr-2306	207	8	decision	decision	NOUN
bjmsr-2306	207	9	-	-	PUNCT
bjmsr-2306	207	10	making	making	NOUN
bjmsr-2306	207	11	proposes	propose	VERB
bjmsr-2306	207	12	that	that	SCONJ
bjmsr-2306	207	13	while	while	SCONJ
bjmsr-2306	207	14	fintech	fintech	NOUN
bjmsr-2306	207	15	augments	augment	VERB
bjmsr-2306	207	16	approachability	approachability	NOUN
bjmsr-2306	207	17	and	and	CCONJ
bjmsr-2306	207	18	attention	attention	NOUN
bjmsr-2306	207	19	,	,	PUNCT
bjmsr-2306	207	20	investors	investor	NOUN
bjmsr-2306	207	21	may	may	AUX
bjmsr-2306	207	22	still	still	ADV
bjmsr-2306	207	23	trust	trust	VERB
bjmsr-2306	207	24	traditional	traditional	ADJ
bjmsr-2306	207	25	evaluation	evaluation	NOUN
bjmsr-2306	207	26	methods	method	NOUN
bjmsr-2306	207	27	and	and	CCONJ
bjmsr-2306	207	28	psychological	psychological	ADJ
bjmsr-2306	207	29	factors	factor	NOUN
bjmsr-2306	207	30	before	before	ADP
bjmsr-2306	207	31	binding	bind	VERB
bjmsr-2306	207	32	to	to	ADP
bjmsr-2306	207	33	financial	financial	ADJ
bjmsr-2306	207	34	decisions	decision	NOUN
bjmsr-2306	207	35	.	.	PUNCT
bjmsr-2306	208	1	this	this	PRON
bjmsr-2306	208	2	aligns	align	VERB
bjmsr-2306	208	3	with	with	ADP
bjmsr-2306	208	4	global	global	ADJ
bjmsr-2306	208	5	trends	trend	NOUN
bjmsr-2306	208	6	where	where	SCONJ
bjmsr-2306	208	7	fintech	fintech	NOUN
bjmsr-2306	208	8	serves	serve	VERB
bjmsr-2306	208	9	as	as	ADP
bjmsr-2306	208	10	an	an	DET
bjmsr-2306	208	11	enabler	enabler	NOUN
bjmsr-2306	208	12	rather	rather	ADV
bjmsr-2306	208	13	than	than	ADP
bjmsr-2306	208	14	a	a	DET
bjmsr-2306	208	15	sole	sole	ADJ
bjmsr-2306	208	16	determinant	determinant	NOUN
bjmsr-2306	208	17	of	of	ADP
bjmsr-2306	208	18	investment	investment	NOUN
bjmsr-2306	208	19	choices	choice	NOUN
bjmsr-2306	208	20	.	.	PUNCT
bjmsr-2306	209	1	this	this	PRON
bjmsr-2306	209	2	directly	directly	ADV
bjmsr-2306	209	3	aligns	align	VERB
bjmsr-2306	209	4	with	with	ADP
bjmsr-2306	209	5	study	study	NOUN
bjmsr-2306	209	6	findings	finding	NOUN
bjmsr-2306	209	7	of	of	ADP
bjmsr-2306	209	8	(	(	PUNCT
bjmsr-2306	209	9	benedetti	benedetti	PROPN
bjmsr-2306	209	10	&	&	CCONJ
bjmsr-2306	209	11	rodríguez	rodríguez	PROPN
bjmsr-2306	209	12	-	-	PUNCT
bjmsr-2306	209	13	garnica	garnica	PROPN
bjmsr-2306	209	14	,	,	PUNCT
bjmsr-2306	209	15	2023	2023	NUM
bjmsr-2306	209	16	)	)	PUNCT
bjmsr-2306	209	17	that	that	SCONJ
bjmsr-2306	209	18	though	though	SCONJ
bjmsr-2306	209	19	fintech	fintech	NOUN
bjmsr-2306	209	20	plays	play	VERB
bjmsr-2306	209	21	an	an	DET
bjmsr-2306	209	22	enabler	enabler	NOUN
bjmsr-2306	209	23	role	role	NOUN
bjmsr-2306	209	24	through	through	ADP
bjmsr-2306	209	25	improved	improved	ADJ
bjmsr-2306	209	26	information	information	NOUN
bjmsr-2306	209	27	spreading	spread	VERB
bjmsr-2306	209	28	and	and	CCONJ
bjmsr-2306	209	29	transactional	transactional	ADJ
bjmsr-2306	209	30	comfort	comfort	NOUN
bjmsr-2306	209	31	,	,	PUNCT
bjmsr-2306	209	32	it	it	PRON
bjmsr-2306	209	33	does	do	AUX
bjmsr-2306	209	34	not	not	PART
bjmsr-2306	209	35	entirely	entirely	ADV
bjmsr-2306	209	36	substitute	substitute	VERB
bjmsr-2306	209	37	the	the	DET
bjmsr-2306	209	38	conventional	conventional	ADJ
bjmsr-2306	209	39	elements	element	NOUN
bjmsr-2306	209	40	of	of	ADP
bjmsr-2306	209	41	investment	investment	NOUN
bjmsr-2306	209	42	valuation	valuation	NOUN
bjmsr-2306	209	43	,	,	PUNCT
bjmsr-2306	209	44	such	such	ADJ
bjmsr-2306	209	45	as	as	ADP
bjmsr-2306	209	46	fundamental	fundamental	ADJ
bjmsr-2306	209	47	analysis	analysis	NOUN
bjmsr-2306	209	48	and	and	CCONJ
bjmsr-2306	209	49	investor	investor	NOUN
bjmsr-2306	209	50	sentiment	sentiment	NOUN
bjmsr-2306	209	51	.	.	PUNCT
bjmsr-2306	210	1	investment	investment	NOUN
bjmsr-2306	210	2	interest	interest	NOUN
bjmsr-2306	210	3	investment	investment	NOUN
bjmsr-2306	210	4	interest	interest	NOUN
bjmsr-2306	210	5	emerges	emerge	VERB
bjmsr-2306	210	6	as	as	ADP
bjmsr-2306	210	7	a	a	DET
bjmsr-2306	210	8	critical	critical	ADJ
bjmsr-2306	210	9	arbitrating	arbitrate	VERB
bjmsr-2306	210	10	variable	variable	NOUN
bjmsr-2306	210	11	,	,	PUNCT
bjmsr-2306	210	12	unveiling	unveil	VERB
bjmsr-2306	210	13	the	the	DET
bjmsr-2306	210	14	most	most	ADV
bjmsr-2306	210	15	substantial	substantial	ADJ
bjmsr-2306	210	16	direct	direct	ADJ
bjmsr-2306	210	17	influence	influence	NOUN
bjmsr-2306	210	18	on	on	ADP
bjmsr-2306	210	19	investment	investment	NOUN
bjmsr-2306	210	20	decision	decision	NOUN
bjmsr-2306	210	21	-	-	PUNCT
bjmsr-2306	210	22	making	making	NOUN
bjmsr-2306	210	23	(	(	PUNCT
bjmsr-2306	210	24	β	β	X
bjmsr-2306	210	25	=	=	SYM
bjmsr-2306	210	26	0.58	0.58	NUM
bjmsr-2306	210	27	,	,	PUNCT
bjmsr-2306	210	28	p	p	X
bjmsr-2306	210	29	=	=	NOUN
bjmsr-2306	210	30	0.01	0.01	NUM
bjmsr-2306	210	31	)	)	PUNCT
bjmsr-2306	210	32	.	.	PUNCT
bjmsr-2306	211	1	this	this	PRON
bjmsr-2306	211	2	suggests	suggest	VERB
bjmsr-2306	211	3	that	that	SCONJ
bjmsr-2306	211	4	people	people	NOUN
bjmsr-2306	211	5	who	who	PRON
bjmsr-2306	211	6	develop	develop	VERB
bjmsr-2306	211	7	an	an	DET
bjmsr-2306	211	8	initial	initial	ADJ
bjmsr-2306	211	9	investment	investment	NOUN
bjmsr-2306	211	10	curiosity	curiosity	NOUN
bjmsr-2306	211	11	are	be	AUX
bjmsr-2306	211	12	more	more	ADV
bjmsr-2306	211	13	likely	likely	ADJ
bjmsr-2306	211	14	to	to	PART
bjmsr-2306	211	15	decipher	decipher	NOUN
bjmsr-2306	211	16	that	that	SCONJ
bjmsr-2306	211	17	interest	interest	NOUN
bjmsr-2306	211	18	into	into	ADP
bjmsr-2306	211	19	actual	actual	ADJ
bjmsr-2306	211	20	investment	investment	NOUN
bjmsr-2306	211	21	actions	action	NOUN
bjmsr-2306	211	22	.	.	PUNCT
bjmsr-2306	212	1	the	the	DET
bjmsr-2306	212	2	finding	finding	NOUN
bjmsr-2306	212	3	is	be	AUX
bjmsr-2306	212	4	similar	similar	ADJ
bjmsr-2306	212	5	to	to	ADP
bjmsr-2306	212	6	the	the	DET
bjmsr-2306	212	7	prior	prior	ADJ
bjmsr-2306	212	8	studies	study	NOUN
bjmsr-2306	212	9	revealing	reveal	VERB
bjmsr-2306	212	10	that	that	SCONJ
bjmsr-2306	212	11	investor	investor	NOUN
bjmsr-2306	212	12	eagerness	eagerness	NOUN
bjmsr-2306	212	13	plays	play	VERB
bjmsr-2306	212	14	a	a	DET
bjmsr-2306	212	15	crucial	crucial	ADJ
bjmsr-2306	212	16	role	role	NOUN
bjmsr-2306	212	17	in	in	ADP
bjmsr-2306	212	18	enabling	enable	VERB
bjmsr-2306	212	19	financial	financial	ADJ
bjmsr-2306	212	20	decision	decision	NOUN
bjmsr-2306	212	21	-	-	PUNCT
bjmsr-2306	212	22	making	make	VERB
bjmsr-2306	212	23	and	and	CCONJ
bjmsr-2306	212	24	market	market	NOUN
bjmsr-2306	212	25	participation	participation	NOUN
bjmsr-2306	212	26	(	(	PUNCT
bjmsr-2306	212	27	lusardi	lusardi	PROPN
bjmsr-2306	212	28	&	&	CCONJ
bjmsr-2306	212	29	mitchell	mitchell	PROPN
bjmsr-2306	212	30	,	,	PUNCT
bjmsr-2306	212	31	2014	2014	NUM
bjmsr-2306	212	32	;	;	PUNCT
bjmsr-2306	212	33	barberis	barberis	PROPN
bjmsr-2306	212	34	&	&	CCONJ
bjmsr-2306	212	35	thaler	thaler	PROPN
bjmsr-2306	212	36	,	,	PUNCT
bjmsr-2306	212	37	2003	2003	NUM
bjmsr-2306	212	38	)	)	PUNCT
bjmsr-2306	212	39	.	.	PUNCT
bjmsr-2306	213	1	this	this	PRON
bjmsr-2306	213	2	highlights	highlight	VERB
bjmsr-2306	213	3	the	the	DET
bjmsr-2306	213	4	importance	importance	NOUN
bjmsr-2306	213	5	of	of	ADP
bjmsr-2306	213	6	financial	financial	ADJ
bjmsr-2306	213	7	education	education	NOUN
bjmsr-2306	213	8	and	and	CCONJ
bjmsr-2306	213	9	awareness	awareness	NOUN
bjmsr-2306	213	10	campaigns	campaign	NOUN
bjmsr-2306	213	11	to	to	PART
bjmsr-2306	213	12	inspire	inspire	VERB
bjmsr-2306	213	13	investment	investment	NOUN
bjmsr-2306	213	14	interest	interest	NOUN
bjmsr-2306	213	15	,	,	PUNCT
bjmsr-2306	213	16	which	which	PRON
bjmsr-2306	213	17	in	in	ADP
bjmsr-2306	213	18	turn	turn	NOUN
bjmsr-2306	213	19	can	can	AUX
bjmsr-2306	213	20	drive	drive	VERB
bjmsr-2306	213	21	more	more	ADV
bjmsr-2306	213	22	extensive	extensive	ADJ
bjmsr-2306	213	23	involvement	involvement	NOUN
bjmsr-2306	213	24	in	in	ADP
bjmsr-2306	213	25	financial	financial	ADJ
bjmsr-2306	213	26	markets	market	NOUN
bjmsr-2306	213	27	.	.	PUNCT
bjmsr-2306	214	1	as	as	SCONJ
bjmsr-2306	214	2	suggested	suggest	VERB
bjmsr-2306	214	3	by	by	ADP
bjmsr-2306	214	4	kou	kou	PROPN
bjmsr-2306	214	5	and	and	CCONJ
bjmsr-2306	214	6	lu	lu	PROPN
bjmsr-2306	214	7	(	(	PUNCT
bjmsr-2306	214	8	2025	2025	NUM
bjmsr-2306	214	9	)	)	PUNCT
bjmsr-2306	214	10	,	,	PUNCT
bjmsr-2306	214	11	the	the	DET
bjmsr-2306	214	12	user	user	NOUN
bjmsr-2306	214	13	-	-	PUNCT
bjmsr-2306	214	14	friendliness	friendliness	ADJ
bjmsr-2306	214	15	and	and	CCONJ
bjmsr-2306	214	16	ease	ease	NOUN
bjmsr-2306	214	17	of	of	ADP
bjmsr-2306	214	18	digital	digital	ADJ
bjmsr-2306	214	19	investment	investment	NOUN
bjmsr-2306	214	20	platforms	platform	NOUN
bjmsr-2306	214	21	have	have	AUX
bjmsr-2306	214	22	made	make	VERB
bjmsr-2306	214	23	investment	investment	NOUN
bjmsr-2306	214	24	opportunities	opportunity	NOUN
bjmsr-2306	214	25	further	far	ADV
bjmsr-2306	214	26	perceptible	perceptible	ADJ
bjmsr-2306	214	27	and	and	CCONJ
bjmsr-2306	214	28	approachable	approachable	ADJ
bjmsr-2306	214	29	,	,	PUNCT
bjmsr-2306	214	30	thus	thus	ADV
bjmsr-2306	214	31	cultivating	cultivate	VERB
bjmsr-2306	214	32	initial	initial	ADJ
bjmsr-2306	214	33	interest	interest	NOUN
bjmsr-2306	214	34	among	among	ADP
bjmsr-2306	214	35	budding	bud	VERB
bjmsr-2306	214	36	investors	investor	NOUN
bjmsr-2306	214	37	.	.	PUNCT
bjmsr-2306	215	1	furthermore	furthermore	ADV
bjmsr-2306	215	2	,	,	PUNCT
bjmsr-2306	215	3	study	study	NOUN
bjmsr-2306	215	4	findings	finding	NOUN
bjmsr-2306	215	5	highlight	highlight	VERB
bjmsr-2306	215	6	that	that	PRON
bjmsr-2306	215	7	fintech	fintech	NOUN
bjmsr-2306	215	8	and	and	CCONJ
bjmsr-2306	215	9	investors	investor	NOUN
bjmsr-2306	215	10	’	’	PART
bjmsr-2306	215	11	psychology	psychology	NOUN
bjmsr-2306	215	12	contribute	contribute	VERB
bjmsr-2306	215	13	indirectly	indirectly	ADV
bjmsr-2306	215	14	to	to	ADP
bjmsr-2306	215	15	investment	investment	NOUN
bjmsr-2306	215	16	decisions	decision	NOUN
bjmsr-2306	215	17	by	by	ADP
bjmsr-2306	215	18	first	first	ADV
bjmsr-2306	215	19	influencing	influence	VERB
bjmsr-2306	215	20	investment	investment	NOUN
bjmsr-2306	215	21	interest	interest	NOUN
bjmsr-2306	215	22	.	.	PUNCT
bjmsr-2306	216	1	habitual	habitual	ADJ
bjmsr-2306	216	2	financial	financial	ADJ
bjmsr-2306	216	3	activities	activity	NOUN
bjmsr-2306	216	4	such	such	ADJ
bjmsr-2306	216	5	as	as	ADP
bjmsr-2306	216	6	consistent	consistent	ADJ
bjmsr-2306	216	7	savings	saving	NOUN
bjmsr-2306	216	8	and	and	CCONJ
bjmsr-2306	216	9	planning	planning	NOUN
bjmsr-2306	216	10	create	create	VERB
bjmsr-2306	216	11	a	a	DET
bjmsr-2306	216	12	foundation	foundation	NOUN
bjmsr-2306	216	13	and	and	CCONJ
bjmsr-2306	216	14	help	help	VERB
bjmsr-2306	216	15	support	support	VERB
bjmsr-2306	216	16	investment	investment	NOUN
bjmsr-2306	216	17	engagement	engagement	NOUN
bjmsr-2306	216	18	over	over	ADP
bjmsr-2306	216	19	time	time	NOUN
bjmsr-2306	216	20	(	(	PUNCT
bjmsr-2306	216	21	huston	huston	PROPN
bjmsr-2306	216	22	,	,	PUNCT
bjmsr-2306	216	23	2010	2010	NUM
bjmsr-2306	216	24	)	)	PUNCT
bjmsr-2306	216	25	conclusions	conclusion	NOUN
bjmsr-2306	216	26	the	the	DET
bjmsr-2306	216	27	study	study	NOUN
bjmsr-2306	216	28	highlights	highlight	VERB
bjmsr-2306	216	29	the	the	DET
bjmsr-2306	216	30	intricate	intricate	ADJ
bjmsr-2306	216	31	relationship	relationship	NOUN
bjmsr-2306	216	32	between	between	ADP
bjmsr-2306	216	33	investor	investor	NOUN
bjmsr-2306	216	34	psychology	psychology	NOUN
bjmsr-2306	216	35	,	,	PUNCT
bjmsr-2306	216	36	accounting	accounting	NOUN
bjmsr-2306	216	37	information	information	NOUN
bjmsr-2306	216	38	,	,	PUNCT
bjmsr-2306	216	39	and	and	CCONJ
bjmsr-2306	216	40	fintech	fintech	NOUN
bjmsr-2306	216	41	in	in	ADP
bjmsr-2306	216	42	shaping	shape	VERB
bjmsr-2306	216	43	investment	investment	NOUN
bjmsr-2306	216	44	decisions	decision	NOUN
bjmsr-2306	216	45	in	in	ADP
bjmsr-2306	216	46	oman	oman	NOUN
bjmsr-2306	216	47	.	.	PUNCT
bjmsr-2306	217	1	it	it	PRON
bjmsr-2306	217	2	demonstrates	demonstrate	VERB
bjmsr-2306	217	3	how	how	SCONJ
bjmsr-2306	217	4	psychological	psychological	ADJ
bjmsr-2306	217	5	factors	factor	NOUN
bjmsr-2306	217	6	and	and	CCONJ
bjmsr-2306	217	7	accounting	accounting	NOUN
bjmsr-2306	217	8	information	information	NOUN
bjmsr-2306	217	9	contribute	contribute	VERB
bjmsr-2306	217	10	to	to	ADP
bjmsr-2306	217	11	generating	generate	VERB
bjmsr-2306	217	12	investment	investment	NOUN
bjmsr-2306	217	13	interest	interest	NOUN
bjmsr-2306	217	14	,	,	PUNCT
bjmsr-2306	217	15	while	while	SCONJ
bjmsr-2306	217	16	fintech	fintech	NOUN
bjmsr-2306	217	17	plays	play	VERB
bjmsr-2306	217	18	a	a	DET
bjmsr-2306	217	19	crucial	crucial	ADJ
bjmsr-2306	217	20	role	role	NOUN
bjmsr-2306	217	21	in	in	ADP
bjmsr-2306	217	22	modernizing	modernize	VERB
bjmsr-2306	217	23	the	the	DET
bjmsr-2306	217	24	investment	investment	NOUN
bjmsr-2306	217	25	landscape	landscape	NOUN
bjmsr-2306	217	26	.	.	PUNCT
bjmsr-2306	218	1	the	the	DET
bjmsr-2306	218	2	research	research	NOUN
bjmsr-2306	218	3	also	also	ADV
bjmsr-2306	218	4	emphasizes	emphasize	VERB
bjmsr-2306	218	5	the	the	DET
bjmsr-2306	218	6	significant	significant	ADJ
bjmsr-2306	218	7	mediating	mediate	VERB
bjmsr-2306	218	8	role	role	NOUN
bjmsr-2306	218	9	of	of	ADP
bjmsr-2306	218	10	investment	investment	NOUN
bjmsr-2306	218	11	interest	interest	NOUN
bjmsr-2306	218	12	,	,	PUNCT
bjmsr-2306	218	13	suggesting	suggest	VERB
bjmsr-2306	218	14	that	that	SCONJ
bjmsr-2306	218	15	nurturing	nurture	VERB
bjmsr-2306	218	16	enthusiasm	enthusiasm	NOUN
bjmsr-2306	218	17	and	and	CCONJ
bjmsr-2306	218	18	curiosity	curiosity	NOUN
bjmsr-2306	218	19	about	about	ADP
bjmsr-2306	218	20	investments	investment	NOUN
bjmsr-2306	218	21	is	be	AUX
bjmsr-2306	218	22	vital	vital	ADJ
bjmsr-2306	218	23	to	to	ADP
bjmsr-2306	218	24	translating	translate	VERB
bjmsr-2306	218	25	initial	initial	ADJ
bjmsr-2306	218	26	interest	interest	NOUN
bjmsr-2306	218	27	into	into	ADP
bjmsr-2306	218	28	actual	actual	ADJ
bjmsr-2306	218	29	investment	investment	NOUN
bjmsr-2306	218	30	actions	action	NOUN
bjmsr-2306	218	31	.	.	PUNCT
bjmsr-2306	219	1	the	the	DET
bjmsr-2306	219	2	rapid	rapid	ADJ
bjmsr-2306	219	3	development	development	NOUN
bjmsr-2306	219	4	of	of	ADP
bjmsr-2306	219	5	fintech	fintech	NOUN
bjmsr-2306	219	6	has	have	AUX
bjmsr-2306	219	7	transformed	transform	VERB
bjmsr-2306	219	8	investment	investment	NOUN
bjmsr-2306	219	9	engagement	engagement	NOUN
bjmsr-2306	219	10	,	,	PUNCT
bjmsr-2306	219	11	making	make	VERB
bjmsr-2306	219	12	it	it	PRON
bjmsr-2306	219	13	more	more	ADV
bjmsr-2306	219	14	accessible	accessible	ADJ
bjmsr-2306	219	15	to	to	ADP
bjmsr-2306	219	16	a	a	DET
bjmsr-2306	219	17	broader	broad	ADJ
bjmsr-2306	219	18	population	population	NOUN
bjmsr-2306	219	19	.	.	PUNCT
bjmsr-2306	220	1	the	the	DET
bjmsr-2306	220	2	ease	ease	NOUN
bjmsr-2306	220	3	of	of	ADP
bjmsr-2306	220	4	access	access	NOUN
bjmsr-2306	220	5	to	to	ADP
bjmsr-2306	220	6	fintech	fintech	NOUN
bjmsr-2306	220	7	-	-	PUNCT
bjmsr-2306	220	8	driven	drive	VERB
bjmsr-2306	220	9	investment	investment	NOUN
bjmsr-2306	220	10	platforms	platform	NOUN
bjmsr-2306	220	11	has	have	AUX
bjmsr-2306	220	12	reduced	reduce	VERB
bjmsr-2306	220	13	traditional	traditional	ADJ
bjmsr-2306	220	14	barriers	barrier	NOUN
bjmsr-2306	220	15	,	,	PUNCT
bjmsr-2306	220	16	enabling	enable	VERB
bjmsr-2306	220	17	individuals	individual	NOUN
bjmsr-2306	220	18	to	to	PART
bjmsr-2306	220	19	explore	explore	VERB
bjmsr-2306	220	20	diversified	diversified	ADJ
bjmsr-2306	220	21	portfolios	portfolio	NOUN
bjmsr-2306	220	22	and	and	CCONJ
bjmsr-2306	220	23	make	make	VERB
bjmsr-2306	220	24	informed	informed	ADJ
bjmsr-2306	220	25	decisions	decision	NOUN
bjmsr-2306	220	26	.	.	PUNCT
bjmsr-2306	221	1	however	however	ADV
bjmsr-2306	221	2	,	,	PUNCT
bjmsr-2306	221	3	while	while	SCONJ
bjmsr-2306	221	4	fintech	fintech	NOUN
bjmsr-2306	221	5	enhances	enhance	VERB
bjmsr-2306	221	6	engagement	engagement	NOUN
bjmsr-2306	221	7	,	,	PUNCT
bjmsr-2306	221	8	it	it	PRON
bjmsr-2306	221	9	does	do	AUX
bjmsr-2306	221	10	not	not	PART
bjmsr-2306	221	11	eliminate	eliminate	VERB
bjmsr-2306	221	12	the	the	DET
bjmsr-2306	221	13	need	need	NOUN
bjmsr-2306	221	14	for	for	ADP
bjmsr-2306	221	15	financial	financial	ADJ
bjmsr-2306	221	16	literacy	literacy	NOUN
bjmsr-2306	221	17	and	and	CCONJ
bjmsr-2306	221	18	psychological	psychological	ADJ
bjmsr-2306	221	19	preparedness	preparedness	NOUN
bjmsr-2306	221	20	for	for	ADP
bjmsr-2306	221	21	risk	risk	NOUN
bjmsr-2306	221	22	-	-	PUNCT
bjmsr-2306	221	23	taking	taking	NOUN
bjmsr-2306	221	24	,	,	PUNCT
bjmsr-2306	221	25	underscoring	underscore	VERB
bjmsr-2306	221	26	the	the	DET
bjmsr-2306	221	27	importance	importance	NOUN
bjmsr-2306	221	28	of	of	ADP
bjmsr-2306	221	29	combining	combine	VERB
bjmsr-2306	221	30	fintech	fintech	NOUN
bjmsr-2306	221	31	with	with	ADP
bjmsr-2306	221	32	investor	investor	NOUN
bjmsr-2306	221	33	education	education	NOUN
bjmsr-2306	221	34	.	.	PUNCT
bjmsr-2306	222	1	the	the	DET
bjmsr-2306	222	2	moderate	moderate	ADJ
bjmsr-2306	222	3	influence	influence	NOUN
bjmsr-2306	222	4	of	of	ADP
bjmsr-2306	222	5	investor	investor	NOUN
bjmsr-2306	222	6	psychology	psychology	NOUN
bjmsr-2306	222	7	and	and	CCONJ
bjmsr-2306	222	8	accounting	accounting	NOUN
bjmsr-2306	222	9	information	information	NOUN
bjmsr-2306	222	10	further	far	ADV
bjmsr-2306	222	11	highlights	highlight	VERB
bjmsr-2306	222	12	the	the	DET
bjmsr-2306	222	13	need	need	NOUN
bjmsr-2306	222	14	for	for	ADP
bjmsr-2306	222	15	comprehensive	comprehensive	ADJ
bjmsr-2306	222	16	financial	financial	ADJ
bjmsr-2306	222	17	education	education	NOUN
bjmsr-2306	222	18	programs	program	NOUN
bjmsr-2306	222	19	.	.	PUNCT
bjmsr-2306	223	1	teaching	teach	VERB
bjmsr-2306	223	2	individuals	individual	NOUN
bjmsr-2306	223	3	about	about	ADP
bjmsr-2306	223	4	financial	financial	ADJ
bjmsr-2306	223	5	planning	planning	NOUN
bjmsr-2306	223	6	,	,	PUNCT
bjmsr-2306	223	7	risk	risk	NOUN
bjmsr-2306	223	8	assessment	assessment	NOUN
bjmsr-2306	223	9	,	,	PUNCT
bjmsr-2306	223	10	and	and	CCONJ
bjmsr-2306	223	11	market	market	NOUN
bjmsr-2306	223	12	analysis	analysis	NOUN
bjmsr-2306	223	13	can	can	AUX
bjmsr-2306	223	14	complement	complement	VERB
bjmsr-2306	223	15	fintech	fintech	NOUN
bjmsr-2306	223	16	adoption	adoption	NOUN
bjmsr-2306	223	17	,	,	PUNCT
bjmsr-2306	223	18	ensuring	ensure	VERB
bjmsr-2306	223	19	that	that	SCONJ
bjmsr-2306	223	20	investment	investment	NOUN
bjmsr-2306	223	21	decisions	decision	NOUN
bjmsr-2306	223	22	are	be	AUX
bjmsr-2306	223	23	both	both	CCONJ
bjmsr-2306	223	24	accessible	accessible	ADJ
bjmsr-2306	223	25	and	and	CCONJ
bjmsr-2306	223	26	well	well	ADV
bjmsr-2306	223	27	-	-	PUNCT
bjmsr-2306	223	28	informed	inform	VERB
bjmsr-2306	223	29	.	.	PUNCT
bjmsr-2306	224	1	regulatory	regulatory	ADJ
bjmsr-2306	224	2	bodies	body	NOUN
bjmsr-2306	224	3	and	and	CCONJ
bjmsr-2306	224	4	policymakers	policymaker	NOUN
bjmsr-2306	224	5	should	should	AUX
bjmsr-2306	224	6	integrate	integrate	VERB
bjmsr-2306	224	7	financial	financial	ADJ
bjmsr-2306	224	8	literacy	literacy	NOUN
bjmsr-2306	224	9	initiatives	initiative	NOUN
bjmsr-2306	224	10	with	with	ADP
bjmsr-2306	224	11	fintech	fintech	NOUN
bjmsr-2306	224	12	platforms	platform	NOUN
bjmsr-2306	224	13	to	to	PART
bjmsr-2306	224	14	provide	provide	VERB
bjmsr-2306	224	15	tailored	tailored	ADJ
bjmsr-2306	224	16	insights	insight	NOUN
bjmsr-2306	224	17	and	and	CCONJ
bjmsr-2306	224	18	recommendations	recommendation	NOUN
bjmsr-2306	224	19	to	to	ADP
bjmsr-2306	224	20	users	user	NOUN
bjmsr-2306	224	21	based	base	VERB
bjmsr-2306	224	22	on	on	ADP
bjmsr-2306	224	23	their	their	PRON
bjmsr-2306	224	24	investment	investment	NOUN
bjmsr-2306	224	25	preferences	preference	NOUN
bjmsr-2306	224	26	and	and	CCONJ
bjmsr-2306	224	27	risk	risk	NOUN
bjmsr-2306	224	28	tolerance	tolerance	NOUN
bjmsr-2306	224	29	.	.	PUNCT
bjmsr-2306	225	1	investment	investment	NOUN
bjmsr-2306	225	2	interest	interest	NOUN
bjmsr-2306	225	3	plays	play	VERB
bjmsr-2306	225	4	a	a	DET
bjmsr-2306	225	5	crucial	crucial	ADJ
bjmsr-2306	225	6	mediating	mediate	VERB
bjmsr-2306	225	7	role	role	NOUN
bjmsr-2306	225	8	,	,	PUNCT
bjmsr-2306	225	9	showing	show	VERB
bjmsr-2306	225	10	that	that	SCONJ
bjmsr-2306	225	11	individuals	individual	NOUN
bjmsr-2306	225	12	who	who	PRON
bjmsr-2306	225	13	actively	actively	ADV
bjmsr-2306	225	14	seek	seek	VERB
bjmsr-2306	225	15	knowledge	knowledge	NOUN
bjmsr-2306	225	16	and	and	CCONJ
bjmsr-2306	225	17	demonstrate	demonstrate	VERB
bjmsr-2306	225	18	enthusiasm	enthusiasm	NOUN
bjmsr-2306	225	19	for	for	ADP
bjmsr-2306	225	20	investments	investment	NOUN
bjmsr-2306	225	21	are	be	AUX
bjmsr-2306	225	22	zaheeruddin	zaheeruddin	PROPN
bjmsr-2306	225	23	&	&	CCONJ
bjmsr-2306	225	24	kumar	kumar	PROPN
bjmsr-2306	225	25	,	,	PUNCT
bjmsr-2306	225	26	bangladesh	bangladesh	PROPN
bjmsr-2306	225	27	journal	journal	NOUN
bjmsr-2306	225	28	of	of	ADP
bjmsr-2306	225	29	multidisciplinary	multidisciplinary	ADJ
bjmsr-2306	225	30	scientific	scientific	ADJ
bjmsr-2306	225	31	research	research	NOUN
bjmsr-2306	225	32	10(2	10(2	NUM
bjmsr-2306	225	33	)	)	PUNCT
bjmsr-2306	225	34	(	(	PUNCT
bjmsr-2306	225	35	2025	2025	NUM
bjmsr-2306	225	36	)	)	PUNCT
bjmsr-2306	225	37	,	,	PUNCT
bjmsr-2306	225	38	12	12	NUM
bjmsr-2306	225	39	-	-	SYM
bjmsr-2306	225	40	20	20	NUM
bjmsr-2306	225	41	19	19	NUM
bjmsr-2306	225	42	more	more	ADV
bjmsr-2306	225	43	likely	likely	ADJ
bjmsr-2306	225	44	to	to	PART
bjmsr-2306	225	45	translate	translate	VERB
bjmsr-2306	225	46	their	their	PRON
bjmsr-2306	225	47	interest	interest	NOUN
bjmsr-2306	225	48	into	into	ADP
bjmsr-2306	225	49	concrete	concrete	ADJ
bjmsr-2306	225	50	financial	financial	ADJ
bjmsr-2306	225	51	decisions	decision	NOUN
bjmsr-2306	225	52	.	.	PUNCT
bjmsr-2306	226	1	this	this	PRON
bjmsr-2306	226	2	underscores	underscore	VERB
bjmsr-2306	226	3	the	the	DET
bjmsr-2306	226	4	importance	importance	NOUN
bjmsr-2306	226	5	of	of	ADP
bjmsr-2306	226	6	targeted	target	VERB
bjmsr-2306	226	7	interventions	intervention	NOUN
bjmsr-2306	226	8	such	such	ADJ
bjmsr-2306	226	9	as	as	ADP
bjmsr-2306	226	10	workshops	workshop	NOUN
bjmsr-2306	226	11	,	,	PUNCT
bjmsr-2306	226	12	seminars	seminar	NOUN
bjmsr-2306	226	13	,	,	PUNCT
bjmsr-2306	226	14	and	and	CCONJ
bjmsr-2306	226	15	digital	digital	ADJ
bjmsr-2306	226	16	investment	investment	NOUN
bjmsr-2306	226	17	simulations	simulation	NOUN
bjmsr-2306	226	18	to	to	PART
bjmsr-2306	226	19	cultivate	cultivate	VERB
bjmsr-2306	226	20	a	a	DET
bjmsr-2306	226	21	proactive	proactive	ADJ
bjmsr-2306	226	22	investment	investment	NOUN
bjmsr-2306	226	23	mindset	mindset	NOUN
bjmsr-2306	226	24	among	among	ADP
bjmsr-2306	226	25	potential	potential	ADJ
bjmsr-2306	226	26	investors	investor	NOUN
bjmsr-2306	226	27	.	.	PUNCT
bjmsr-2306	227	1	this	this	DET
bjmsr-2306	227	2	study	study	NOUN
bjmsr-2306	227	3	uniquely	uniquely	ADV
bjmsr-2306	227	4	bridges	bridge	VERB
bjmsr-2306	227	5	the	the	DET
bjmsr-2306	227	6	gap	gap	NOUN
bjmsr-2306	227	7	in	in	ADP
bjmsr-2306	227	8	understanding	understand	VERB
bjmsr-2306	227	9	how	how	SCONJ
bjmsr-2306	227	10	investor	investor	NOUN
bjmsr-2306	227	11	psychology	psychology	NOUN
bjmsr-2306	227	12	,	,	PUNCT
bjmsr-2306	227	13	accounting	accounting	NOUN
bjmsr-2306	227	14	information	information	NOUN
bjmsr-2306	227	15	,	,	PUNCT
bjmsr-2306	227	16	and	and	CCONJ
bjmsr-2306	227	17	fintech	fintech	NOUN
bjmsr-2306	227	18	exposure	exposure	NOUN
bjmsr-2306	227	19	collectively	collectively	ADV
bjmsr-2306	227	20	shape	shape	VERB
bjmsr-2306	227	21	investment	investment	NOUN
bjmsr-2306	227	22	decisions	decision	NOUN
bjmsr-2306	227	23	in	in	ADP
bjmsr-2306	227	24	oman	oman	NOUN
bjmsr-2306	227	25	,	,	PUNCT
bjmsr-2306	227	26	a	a	DET
bjmsr-2306	227	27	rapidly	rapidly	ADV
bjmsr-2306	227	28	developing	develop	VERB
bjmsr-2306	227	29	economy	economy	NOUN
bjmsr-2306	227	30	.	.	PUNCT
bjmsr-2306	228	1	the	the	DET
bjmsr-2306	228	2	research	research	NOUN
bjmsr-2306	228	3	emphasizes	emphasize	VERB
bjmsr-2306	228	4	the	the	DET
bjmsr-2306	228	5	critical	critical	ADJ
bjmsr-2306	228	6	role	role	NOUN
bjmsr-2306	228	7	of	of	ADP
bjmsr-2306	228	8	investment	investment	NOUN
bjmsr-2306	228	9	interest	interest	NOUN
bjmsr-2306	228	10	in	in	ADP
bjmsr-2306	228	11	mediating	mediate	VERB
bjmsr-2306	228	12	the	the	DET
bjmsr-2306	228	13	effects	effect	NOUN
bjmsr-2306	228	14	of	of	ADP
bjmsr-2306	228	15	these	these	DET
bjmsr-2306	228	16	factors	factor	NOUN
bjmsr-2306	228	17	,	,	PUNCT
bjmsr-2306	228	18	highlighting	highlight	VERB
bjmsr-2306	228	19	the	the	DET
bjmsr-2306	228	20	importance	importance	NOUN
bjmsr-2306	228	21	of	of	ADP
bjmsr-2306	228	22	financial	financial	ADJ
bjmsr-2306	228	23	literacy	literacy	NOUN
bjmsr-2306	228	24	and	and	CCONJ
bjmsr-2306	228	25	psychological	psychological	ADJ
bjmsr-2306	228	26	preparedness	preparedness	NOUN
bjmsr-2306	228	27	in	in	ADP
bjmsr-2306	228	28	conjunction	conjunction	NOUN
bjmsr-2306	228	29	with	with	ADP
bjmsr-2306	228	30	fintech	fintech	NOUN
bjmsr-2306	228	31	adoption	adoption	NOUN
bjmsr-2306	228	32	.	.	PUNCT
bjmsr-2306	229	1	the	the	DET
bjmsr-2306	229	2	study	study	NOUN
bjmsr-2306	229	3	findings	finding	NOUN
bjmsr-2306	229	4	contribute	contribute	VERB
bjmsr-2306	229	5	to	to	ADP
bjmsr-2306	229	6	behavioral	behavioral	ADJ
bjmsr-2306	229	7	finance	finance	NOUN
bjmsr-2306	229	8	literature	literature	NOUN
bjmsr-2306	229	9	by	by	ADP
bjmsr-2306	229	10	signifying	signify	VERB
bjmsr-2306	229	11	how	how	SCONJ
bjmsr-2306	229	12	emotional	emotional	ADJ
bjmsr-2306	229	13	and	and	CCONJ
bjmsr-2306	229	14	technological	technological	ADJ
bjmsr-2306	229	15	factors	factor	NOUN
bjmsr-2306	229	16	interact	interact	VERB
bjmsr-2306	229	17	in	in	ADP
bjmsr-2306	229	18	the	the	DET
bjmsr-2306	229	19	decision	decision	NOUN
bjmsr-2306	229	20	-	-	PUNCT
bjmsr-2306	229	21	making	make	VERB
bjmsr-2306	229	22	process	process	NOUN
bjmsr-2306	229	23	.	.	PUNCT
bjmsr-2306	230	1	traditional	traditional	ADJ
bjmsr-2306	230	2	investment	investment	NOUN
bjmsr-2306	230	3	theories	theory	NOUN
bjmsr-2306	230	4	often	often	ADV
bjmsr-2306	230	5	highlight	highlight	VERB
bjmsr-2306	230	6	rational	rational	ADJ
bjmsr-2306	230	7	analysis	analysis	NOUN
bjmsr-2306	230	8	,	,	PUNCT
bjmsr-2306	230	9	whereas	whereas	SCONJ
bjmsr-2306	230	10	this	this	DET
bjmsr-2306	230	11	study	study	NOUN
bjmsr-2306	230	12	emphasizes	emphasize	VERB
bjmsr-2306	230	13	the	the	DET
bjmsr-2306	230	14	substantial	substantial	ADJ
bjmsr-2306	230	15	role	role	NOUN
bjmsr-2306	230	16	of	of	ADP
bjmsr-2306	230	17	investor	investor	NOUN
bjmsr-2306	230	18	psychology	psychology	NOUN
bjmsr-2306	230	19	and	and	CCONJ
bjmsr-2306	230	20	fintech	fintech	NOUN
bjmsr-2306	230	21	accessibility	accessibility	NOUN
bjmsr-2306	230	22	in	in	ADP
bjmsr-2306	230	23	shaping	shape	VERB
bjmsr-2306	230	24	investment	investment	NOUN
bjmsr-2306	230	25	behavior	behavior	NOUN
bjmsr-2306	230	26	(	(	PUNCT
bjmsr-2306	230	27	shiller	shiller	NOUN
bjmsr-2306	230	28	,	,	PUNCT
bjmsr-2306	230	29	2015	2015	NUM
bjmsr-2306	230	30	)	)	PUNCT
bjmsr-2306	230	31	.	.	PUNCT
bjmsr-2306	231	1	understanding	understand	VERB
bjmsr-2306	231	2	the	the	DET
bjmsr-2306	231	3	moderate	moderate	ADJ
bjmsr-2306	231	4	influence	influence	NOUN
bjmsr-2306	231	5	of	of	ADP
bjmsr-2306	231	6	investors	investor	NOUN
bjmsr-2306	231	7	’	’	PART
bjmsr-2306	231	8	psychology	psychology	NOUN
bjmsr-2306	231	9	and	and	CCONJ
bjmsr-2306	231	10	accounting	accounting	NOUN
bjmsr-2306	231	11	information	information	NOUN
bjmsr-2306	231	12	,	,	PUNCT
bjmsr-2306	231	13	targeted	target	VERB
bjmsr-2306	231	14	financial	financial	ADJ
bjmsr-2306	231	15	literacy	literacy	NOUN
bjmsr-2306	231	16	initiatives	initiative	NOUN
bjmsr-2306	231	17	can	can	AUX
bjmsr-2306	231	18	support	support	VERB
bjmsr-2306	231	19	investors	investor	NOUN
bjmsr-2306	231	20	'	'	PART
bjmsr-2306	231	21	ability	ability	NOUN
bjmsr-2306	231	22	to	to	PART
bjmsr-2306	231	23	make	make	VERB
bjmsr-2306	231	24	informed	informed	ADJ
bjmsr-2306	231	25	decisions	decision	NOUN
bjmsr-2306	231	26	(	(	PUNCT
bjmsr-2306	231	27	lusardi	lusardi	PROPN
bjmsr-2306	231	28	&	&	CCONJ
bjmsr-2306	231	29	mitchell	mitchell	PROPN
bjmsr-2306	231	30	,	,	PUNCT
bjmsr-2306	231	31	2014	2014	NUM
bjmsr-2306	231	32	)	)	PUNCT
bjmsr-2306	231	33	.	.	PUNCT
bjmsr-2306	232	1	financial	financial	ADJ
bjmsr-2306	232	2	institutions	institution	NOUN
bjmsr-2306	232	3	and	and	CCONJ
bjmsr-2306	232	4	policymakers	policymaker	NOUN
bjmsr-2306	232	5	can	can	AUX
bjmsr-2306	232	6	focus	focus	VERB
bjmsr-2306	232	7	on	on	ADP
bjmsr-2306	232	8	assimilating	assimilate	VERB
bjmsr-2306	232	9	fintech	fintech	NOUN
bjmsr-2306	232	10	solutions	solution	NOUN
bjmsr-2306	232	11	with	with	ADP
bjmsr-2306	232	12	traditional	traditional	ADJ
bjmsr-2306	232	13	investment	investment	NOUN
bjmsr-2306	232	14	platforms	platform	NOUN
bjmsr-2306	232	15	to	to	PART
bjmsr-2306	232	16	meet	meet	VERB
bjmsr-2306	232	17	investors	investor	NOUN
bjmsr-2306	232	18	'	'	PART
bjmsr-2306	232	19	growing	grow	VERB
bjmsr-2306	232	20	needs	need	NOUN
bjmsr-2306	232	21	.	.	PUNCT
bjmsr-2306	233	1	as	as	SCONJ
bjmsr-2306	233	2	investment	investment	NOUN
bjmsr-2306	233	3	interest	interest	NOUN
bjmsr-2306	233	4	has	have	VERB
bjmsr-2306	233	5	a	a	DET
bjmsr-2306	233	6	significant	significant	ADJ
bjmsr-2306	233	7	impact	impact	NOUN
bjmsr-2306	233	8	on	on	ADP
bjmsr-2306	233	9	investment	investment	NOUN
bjmsr-2306	233	10	decision	decision	NOUN
bjmsr-2306	233	11	-	-	PUNCT
bjmsr-2306	233	12	making	making	NOUN
bjmsr-2306	233	13	,	,	PUNCT
bjmsr-2306	233	14	awareness	awareness	NOUN
bjmsr-2306	233	15	campaigns	campaign	NOUN
bjmsr-2306	233	16	,	,	PUNCT
bjmsr-2306	233	17	and	and	CCONJ
bjmsr-2306	233	18	education	education	NOUN
bjmsr-2306	233	19	programs	program	NOUN
bjmsr-2306	233	20	for	for	ADP
bjmsr-2306	233	21	investors	investor	NOUN
bjmsr-2306	233	22	should	should	AUX
bjmsr-2306	233	23	highlight	highlight	VERB
bjmsr-2306	233	24	the	the	DET
bjmsr-2306	233	25	benefits	benefit	NOUN
bjmsr-2306	233	26	and	and	CCONJ
bjmsr-2306	233	27	risks	risk	NOUN
bjmsr-2306	233	28	associated	associate	VERB
bjmsr-2306	233	29	with	with	ADP
bjmsr-2306	233	30	different	different	ADJ
bjmsr-2306	233	31	investment	investment	NOUN
bjmsr-2306	233	32	avenues	avenue	NOUN
bjmsr-2306	233	33	.	.	PUNCT
bjmsr-2306	234	1	this	this	DET
bjmsr-2306	234	2	study	study	NOUN
bjmsr-2306	234	3	is	be	AUX
bjmsr-2306	234	4	limited	limit	VERB
bjmsr-2306	234	5	by	by	ADP
bjmsr-2306	234	6	its	its	PRON
bjmsr-2306	234	7	focus	focus	NOUN
bjmsr-2306	234	8	on	on	ADP
bjmsr-2306	234	9	individual	individual	ADJ
bjmsr-2306	234	10	investors	investor	NOUN
bjmsr-2306	234	11	in	in	ADP
bjmsr-2306	234	12	oman	oman	PROPN
bjmsr-2306	234	13	,	,	PUNCT
bjmsr-2306	234	14	which	which	PRON
bjmsr-2306	234	15	may	may	AUX
bjmsr-2306	234	16	not	not	PART
bjmsr-2306	234	17	be	be	AUX
bjmsr-2306	234	18	representative	representative	ADJ
bjmsr-2306	234	19	of	of	ADP
bjmsr-2306	234	20	other	other	ADJ
bjmsr-2306	234	21	regions	region	NOUN
bjmsr-2306	234	22	with	with	ADP
bjmsr-2306	234	23	different	different	ADJ
bjmsr-2306	234	24	levels	level	NOUN
bjmsr-2306	234	25	of	of	ADP
bjmsr-2306	234	26	financial	financial	ADJ
bjmsr-2306	234	27	literacy	literacy	NOUN
bjmsr-2306	234	28	or	or	CCONJ
bjmsr-2306	234	29	technological	technological	ADJ
bjmsr-2306	234	30	exposure	exposure	NOUN
bjmsr-2306	234	31	.	.	PUNCT
bjmsr-2306	235	1	additionally	additionally	ADV
bjmsr-2306	235	2	,	,	PUNCT
bjmsr-2306	235	3	the	the	DET
bjmsr-2306	235	4	research	research	NOUN
bjmsr-2306	235	5	does	do	AUX
bjmsr-2306	235	6	not	not	PART
bjmsr-2306	235	7	account	account	VERB
bjmsr-2306	235	8	for	for	ADP
bjmsr-2306	235	9	potential	potential	ADJ
bjmsr-2306	235	10	biases	bias	NOUN
bjmsr-2306	235	11	in	in	ADP
bjmsr-2306	235	12	self	self	NOUN
bjmsr-2306	235	13	-	-	PUNCT
bjmsr-2306	235	14	reported	report	VERB
bjmsr-2306	235	15	data	datum	NOUN
bjmsr-2306	235	16	or	or	CCONJ
bjmsr-2306	235	17	the	the	DET
bjmsr-2306	235	18	evolving	evolve	VERB
bjmsr-2306	235	19	nature	nature	NOUN
bjmsr-2306	235	20	of	of	ADP
bjmsr-2306	235	21	fintech	fintech	NOUN
bjmsr-2306	235	22	,	,	PUNCT
bjmsr-2306	235	23	which	which	PRON
bjmsr-2306	235	24	may	may	AUX
bjmsr-2306	235	25	impact	impact	VERB
bjmsr-2306	235	26	the	the	DET
bjmsr-2306	235	27	generalizability	generalizability	NOUN
bjmsr-2306	235	28	of	of	ADP
bjmsr-2306	235	29	the	the	DET
bjmsr-2306	235	30	findings	finding	NOUN
bjmsr-2306	235	31	over	over	ADP
bjmsr-2306	235	32	time	time	NOUN
bjmsr-2306	235	33	.	.	PUNCT
bjmsr-2306	236	1	future	future	ADJ
bjmsr-2306	236	2	research	research	NOUN
bjmsr-2306	236	3	may	may	AUX
bjmsr-2306	236	4	expand	expand	VERB
bjmsr-2306	236	5	on	on	ADP
bjmsr-2306	236	6	additional	additional	ADJ
bjmsr-2306	236	7	psychological	psychological	ADJ
bjmsr-2306	236	8	and	and	CCONJ
bjmsr-2306	236	9	technological	technological	ADJ
bjmsr-2306	236	10	factors	factor	NOUN
bjmsr-2306	236	11	that	that	PRON
bjmsr-2306	236	12	influence	influence	VERB
bjmsr-2306	236	13	investment	investment	NOUN
bjmsr-2306	236	14	behaviors	behavior	NOUN
bjmsr-2306	236	15	in	in	ADP
bjmsr-2306	236	16	emerging	emerge	VERB
bjmsr-2306	236	17	markets	market	NOUN
bjmsr-2306	236	18	.	.	PUNCT
bjmsr-2306	237	1	investigating	investigate	VERB
bjmsr-2306	237	2	elements	element	NOUN
bjmsr-2306	237	3	such	such	ADJ
bjmsr-2306	237	4	as	as	ADP
bjmsr-2306	237	5	risk	risk	NOUN
bjmsr-2306	237	6	tolerance	tolerance	NOUN
bjmsr-2306	237	7	,	,	PUNCT
bjmsr-2306	237	8	behavioral	behavioral	ADJ
bjmsr-2306	237	9	biases	bias	NOUN
bjmsr-2306	237	10	,	,	PUNCT
bjmsr-2306	237	11	and	and	CCONJ
bjmsr-2306	237	12	artificial	artificial	ADJ
bjmsr-2306	237	13	intelligence	intelligence	NOUN
bjmsr-2306	237	14	-	-	PUNCT
bjmsr-2306	237	15	driven	drive	VERB
bjmsr-2306	237	16	investment	investment	NOUN
bjmsr-2306	237	17	tools	tool	NOUN
bjmsr-2306	237	18	can	can	AUX
bjmsr-2306	237	19	provide	provide	VERB
bjmsr-2306	237	20	a	a	DET
bjmsr-2306	237	21	more	more	ADV
bjmsr-2306	237	22	comprehensive	comprehensive	ADJ
bjmsr-2306	237	23	understanding	understanding	NOUN
bjmsr-2306	237	24	of	of	ADP
bjmsr-2306	237	25	how	how	SCONJ
bjmsr-2306	237	26	modern	modern	ADJ
bjmsr-2306	237	27	investors	investor	NOUN
bjmsr-2306	237	28	make	make	VERB
bjmsr-2306	237	29	financial	financial	ADJ
bjmsr-2306	237	30	decisions	decision	NOUN
bjmsr-2306	237	31	.	.	PUNCT
bjmsr-2306	238	1	by	by	ADP
bjmsr-2306	238	2	continuing	continue	VERB
bjmsr-2306	238	3	to	to	PART
bjmsr-2306	238	4	explore	explore	VERB
bjmsr-2306	238	5	these	these	DET
bjmsr-2306	238	6	variables	variable	NOUN
bjmsr-2306	238	7	,	,	PUNCT
bjmsr-2306	238	8	scholars	scholar	NOUN
bjmsr-2306	238	9	and	and	CCONJ
bjmsr-2306	238	10	practitioners	practitioner	NOUN
bjmsr-2306	238	11	can	can	AUX
bjmsr-2306	238	12	develop	develop	VERB
bjmsr-2306	238	13	more	more	ADV
bjmsr-2306	238	14	effective	effective	ADJ
bjmsr-2306	238	15	strategies	strategy	NOUN
bjmsr-2306	238	16	to	to	PART
bjmsr-2306	238	17	enhance	enhance	VERB
bjmsr-2306	238	18	financial	financial	ADJ
bjmsr-2306	238	19	inclusion	inclusion	NOUN
bjmsr-2306	238	20	,	,	PUNCT
bjmsr-2306	238	21	empower	empower	NOUN
bjmsr-2306	238	22	investors	investor	NOUN
bjmsr-2306	238	23	,	,	PUNCT
bjmsr-2306	238	24	and	and	CCONJ
bjmsr-2306	238	25	drive	drive	VERB
bjmsr-2306	238	26	sustainable	sustainable	ADJ
bjmsr-2306	238	27	economic	economic	ADJ
bjmsr-2306	238	28	growth	growth	NOUN
bjmsr-2306	238	29	in	in	ADP
bjmsr-2306	238	30	oman	oman	NOUN
bjmsr-2306	238	31	and	and	CCONJ
bjmsr-2306	238	32	beyond	beyond	ADP
bjmsr-2306	238	33	.	.	PUNCT
bjmsr-2306	239	1	author	author	NOUN
bjmsr-2306	239	2	contributions	contribution	NOUN
bjmsr-2306	239	3	:	:	PUNCT
bjmsr-2306	239	4	conceptualization	conceptualization	NOUN
bjmsr-2306	239	5	,	,	PUNCT
bjmsr-2306	239	6	m.z	m.z	PROPN
bjmsr-2306	239	7	.	.	PROPN
bjmsr-2306	239	8	and	and	CCONJ
bjmsr-2306	239	9	s.k	s.k	PROPN
bjmsr-2306	239	10	.	.	PROPN
bjmsr-2306	239	11	;	;	PUNCT
bjmsr-2306	239	12	methodology	methodology	NOUN
bjmsr-2306	239	13	,	,	PUNCT
bjmsr-2306	239	14	m.z	m.z	PROPN
bjmsr-2306	239	15	.	.	PROPN
bjmsr-2306	239	16	;	;	PUNCT
bjmsr-2306	239	17	software	software	NOUN
bjmsr-2306	239	18	,	,	PUNCT
bjmsr-2306	239	19	m.z	m.z	PROPN
bjmsr-2306	239	20	.	.	PROPN
bjmsr-2306	239	21	;	;	PUNCT
bjmsr-2306	239	22	validation	validation	NOUN
bjmsr-2306	239	23	,	,	PUNCT
bjmsr-2306	239	24	m.z	m.z	PROPN
bjmsr-2306	239	25	.	.	PUNCT
bjmsr-2306	239	26	;	;	PUNCT
bjmsr-2306	239	27	formal	formal	ADJ
bjmsr-2306	239	28	analysis	analysis	NOUN
bjmsr-2306	239	29	,	,	PUNCT
bjmsr-2306	239	30	m.z	m.z	PROPN
bjmsr-2306	239	31	.	.	PROPN
bjmsr-2306	239	32	and	and	CCONJ
bjmsr-2306	239	33	s.k	s.k	PROPN
bjmsr-2306	239	34	.	.	PROPN
bjmsr-2306	239	35	;	;	PUNCT
bjmsr-2306	239	36	investigation	investigation	NOUN
bjmsr-2306	239	37	,	,	PUNCT
bjmsr-2306	239	38	m.z	m.z	PROPN
bjmsr-2306	239	39	.	.	PROPN
bjmsr-2306	239	40	and	and	CCONJ
bjmsr-2306	239	41	s.k	s.k	PROPN
bjmsr-2306	239	42	..	..	PROPN
bjmsr-2306	239	43	;	;	PUNCT
bjmsr-2306	239	44	resources	resource	NOUN
bjmsr-2306	239	45	,	,	PUNCT
bjmsr-2306	239	46	m.z	m.z	PROPN
bjmsr-2306	239	47	.	.	PROPN
bjmsr-2306	239	48	and	and	CCONJ
bjmsr-2306	239	49	s.k	s.k	PROPN
bjmsr-2306	239	50	.	.	PROPN
bjmsr-2306	239	51	;	;	PUNCT
bjmsr-2306	239	52	data	datum	NOUN
bjmsr-2306	239	53	curation	curation	NOUN
bjmsr-2306	239	54	,	,	PUNCT
bjmsr-2306	239	55	m.z	m.z	PROPN
bjmsr-2306	239	56	.	.	PROPN
bjmsr-2306	239	57	;	;	PUNCT
bjmsr-2306	239	58	writing	write	VERB
bjmsr-2306	239	59	–	–	PUNCT
bjmsr-2306	239	60	original	original	ADJ
bjmsr-2306	239	61	draft	draft	NOUN
bjmsr-2306	239	62	preparation	preparation	NOUN
bjmsr-2306	239	63	,	,	PUNCT
bjmsr-2306	239	64	m.z	m.z	PROPN
bjmsr-2306	239	65	.	.	PROPN
bjmsr-2306	239	66	and	and	CCONJ
bjmsr-2306	239	67	s.k	s.k	PROPN
bjmsr-2306	239	68	.	.	PROPN
bjmsr-2306	239	69	;	;	PUNCT
bjmsr-2306	239	70	writing	write	VERB
bjmsr-2306	239	71	–	–	PUNCT
bjmsr-2306	239	72	review	review	NOUN
bjmsr-2306	239	73	&	&	CCONJ
bjmsr-2306	239	74	editing	editing	PROPN
bjmsr-2306	239	75	,	,	PUNCT
bjmsr-2306	239	76	m.z	m.z	PROPN
bjmsr-2306	239	77	.	.	PROPN
bjmsr-2306	239	78	and	and	CCONJ
bjmsr-2306	239	79	s.k	s.k	PROPN
bjmsr-2306	239	80	.	.	PROPN
bjmsr-2306	239	81	;	;	PUNCT
bjmsr-2306	239	82	visualization	visualization	NOUN
bjmsr-2306	239	83	,	,	PUNCT
bjmsr-2306	239	84	m.z	m.z	PROPN
bjmsr-2306	239	85	.	.	PROPN
bjmsr-2306	239	86	,	,	PUNCT
bjmsr-2306	239	87	supervision	supervision	NOUN
bjmsr-2306	239	88	,	,	PUNCT
bjmsr-2306	239	89	m.z	m.z	PROPN
bjmsr-2306	239	90	.	.	PROPN
bjmsr-2306	239	91	;	;	PUNCT
bjmsr-2306	239	92	funding	funding	NOUN
bjmsr-2306	239	93	acquisition	acquisition	NOUN
bjmsr-2306	239	94	,	,	PUNCT
bjmsr-2306	239	95	m.z	m.z	PROPN
bjmsr-2306	239	96	.	.	PROPN
bjmsr-2306	239	97	and	and	CCONJ
bjmsr-2306	239	98	s.k	s.k	PROPN
bjmsr-2306	239	99	.	.	PROPN
bjmsr-2306	239	100	authors	author	NOUN
bjmsr-2306	239	101	have	have	AUX
bjmsr-2306	239	102	read	read	VERB
bjmsr-2306	239	103	and	and	CCONJ
bjmsr-2306	239	104	agreed	agree	VERB
bjmsr-2306	239	105	to	to	ADP
bjmsr-2306	239	106	the	the	DET
bjmsr-2306	239	107	published	publish	VERB
bjmsr-2306	239	108	version	version	NOUN
bjmsr-2306	239	109	of	of	ADP
bjmsr-2306	239	110	the	the	DET
bjmsr-2306	239	111	manuscript	manuscript	NOUN
bjmsr-2306	239	112	.	.	PUNCT
bjmsr-2306	240	1	institutional	institutional	ADJ
bjmsr-2306	240	2	review	review	PROPN
bjmsr-2306	240	3	board	board	NOUN
bjmsr-2306	240	4	statement	statement	NOUN
bjmsr-2306	240	5	:	:	PUNCT
bjmsr-2306	240	6	ethical	ethical	ADJ
bjmsr-2306	240	7	review	review	NOUN
bjmsr-2306	240	8	and	and	CCONJ
bjmsr-2306	240	9	approval	approval	NOUN
bjmsr-2306	240	10	were	be	AUX
bjmsr-2306	240	11	waived	waive	VERB
bjmsr-2306	240	12	for	for	ADP
bjmsr-2306	240	13	this	this	DET
bjmsr-2306	240	14	study	study	NOUN
bjmsr-2306	240	15	because	because	SCONJ
bjmsr-2306	240	16	the	the	DET
bjmsr-2306	240	17	research	research	NOUN
bjmsr-2306	240	18	does	do	AUX
bjmsr-2306	240	19	not	not	PART
bjmsr-2306	240	20	deal	deal	VERB
bjmsr-2306	240	21	with	with	ADP
bjmsr-2306	240	22	vulnerable	vulnerable	ADJ
bjmsr-2306	240	23	groups	group	NOUN
bjmsr-2306	240	24	or	or	CCONJ
bjmsr-2306	240	25	sensitive	sensitive	ADJ
bjmsr-2306	240	26	issues	issue	NOUN
bjmsr-2306	240	27	.	.	PUNCT
bjmsr-2306	241	1	funding	funding	NOUN
bjmsr-2306	241	2	:	:	PUNCT
bjmsr-2306	241	3	this	this	DET
bjmsr-2306	241	4	paper	paper	NOUN
bjmsr-2306	241	5	is	be	AUX
bjmsr-2306	241	6	the	the	DET
bjmsr-2306	241	7	outcome	outcome	NOUN
bjmsr-2306	241	8	of	of	ADP
bjmsr-2306	241	9	a	a	DET
bjmsr-2306	241	10	research	research	NOUN
bjmsr-2306	241	11	grant	grant	NOUN
bjmsr-2306	241	12	funded	fund	VERB
bjmsr-2306	241	13	by	by	ADP
bjmsr-2306	241	14	the	the	DET
bjmsr-2306	241	15	university	university	NOUN
bjmsr-2306	241	16	of	of	ADP
bjmsr-2306	241	17	technology	technology	NOUN
bjmsr-2306	241	18	and	and	CCONJ
bjmsr-2306	241	19	applied	apply	VERB
bjmsr-2306	241	20	sciences	science	NOUN
bjmsr-2306	241	21	—	—	PUNCT
bjmsr-2306	241	22	shinas	shina	NOUN
bjmsr-2306	241	23	,	,	PUNCT
bjmsr-2306	241	24	oman	oman	NOUN
bjmsr-2306	241	25	.	.	PUNCT
bjmsr-2306	242	1	acknowledgments	acknowledgment	NOUN
bjmsr-2306	242	2	:	:	PUNCT
bjmsr-2306	242	3	not	not	PART
bjmsr-2306	242	4	applicable	applicable	ADJ
bjmsr-2306	242	5	.	.	PUNCT
bjmsr-2306	243	1	informed	informed	ADJ
bjmsr-2306	243	2	consent	consent	NOUN
bjmsr-2306	243	3	statement	statement	NOUN
bjmsr-2306	243	4	:	:	PUNCT
bjmsr-2306	243	5	informed	inform	VERB
bjmsr-2306	243	6	consent	consent	NOUN
bjmsr-2306	243	7	was	be	AUX
bjmsr-2306	243	8	obtained	obtain	VERB
bjmsr-2306	243	9	from	from	ADP
bjmsr-2306	243	10	all	all	DET
bjmsr-2306	243	11	subjects	subject	NOUN
bjmsr-2306	243	12	involved	involve	VERB
bjmsr-2306	243	13	in	in	ADP
bjmsr-2306	243	14	the	the	DET
bjmsr-2306	243	15	study	study	NOUN
bjmsr-2306	243	16	since	since	SCONJ
bjmsr-2306	243	17	it	it	PRON
bjmsr-2306	243	18	is	be	AUX
bjmsr-2306	243	19	voluntary	voluntary	ADJ
bjmsr-2306	243	20	,	,	PUNCT
bjmsr-2306	243	21	and	and	CCONJ
bjmsr-2306	243	22	the	the	DET
bjmsr-2306	243	23	statement	statement	NOUN
bjmsr-2306	243	24	is	be	AUX
bjmsr-2306	243	25	included	include	VERB
bjmsr-2306	243	26	on	on	ADP
bjmsr-2306	243	27	the	the	DET
bjmsr-2306	243	28	first	first	ADJ
bjmsr-2306	243	29	page	page	NOUN
bjmsr-2306	243	30	of	of	ADP
bjmsr-2306	243	31	the	the	DET
bjmsr-2306	243	32	questionnaire	questionnaire	NOUN
bjmsr-2306	243	33	.	.	PUNCT
bjmsr-2306	244	1	data	datum	NOUN
bjmsr-2306	244	2	availability	availability	NOUN
bjmsr-2306	244	3	statement	statement	NOUN
bjmsr-2306	244	4	:	:	PUNCT
bjmsr-2306	244	5	the	the	DET
bjmsr-2306	244	6	data	datum	NOUN
bjmsr-2306	244	7	presented	present	VERB
bjmsr-2306	244	8	in	in	ADP
bjmsr-2306	244	9	this	this	DET
bjmsr-2306	244	10	study	study	NOUN
bjmsr-2306	244	11	are	be	AUX
bjmsr-2306	244	12	available	available	ADJ
bjmsr-2306	244	13	on	on	ADP
bjmsr-2306	244	14	request	request	NOUN
bjmsr-2306	244	15	from	from	ADP
bjmsr-2306	244	16	the	the	DET
bjmsr-2306	244	17	corresponding	corresponding	ADJ
bjmsr-2306	244	18	author	author	NOUN
bjmsr-2306	244	19	.	.	PUNCT
bjmsr-2306	245	1	the	the	DET
bjmsr-2306	245	2	data	datum	NOUN
bjmsr-2306	245	3	are	be	AUX
bjmsr-2306	245	4	not	not	PART
bjmsr-2306	245	5	publicly	publicly	ADV
bjmsr-2306	245	6	available	available	ADJ
bjmsr-2306	245	7	due	due	ADP
bjmsr-2306	245	8	to	to	ADP
bjmsr-2306	245	9	restrictions	restriction	NOUN
bjmsr-2306	245	10	.	.	PUNCT
bjmsr-2306	246	1	conflicts	conflict	NOUN
bjmsr-2306	246	2	of	of	ADP
bjmsr-2306	246	3	interest	interest	NOUN
bjmsr-2306	246	4	:	:	PUNCT
bjmsr-2306	246	5	the	the	DET
bjmsr-2306	246	6	authors	author	NOUN
bjmsr-2306	246	7	declare	declare	VERB
bjmsr-2306	246	8	no	no	DET
bjmsr-2306	246	9	conflict	conflict	NOUN
bjmsr-2306	246	10	of	of	ADP
bjmsr-2306	246	11	interest	interest	NOUN
bjmsr-2306	246	12	.	.	PUNCT
bjmsr-2306	247	1	references	reference	NOUN
bjmsr-2306	247	2	alaaraj	alaaraj	VERB
bjmsr-2306	247	3	,	,	PUNCT
bjmsr-2306	247	4	h.	h.	PROPN
bjmsr-2306	247	5	,	,	PUNCT
bjmsr-2306	247	6	&	&	CCONJ
bjmsr-2306	247	7	bakri	bakri	PROPN
bjmsr-2306	247	8	,	,	PUNCT
bjmsr-2306	247	9	a.	a.	NOUN
bjmsr-2306	247	10	(	(	PUNCT
bjmsr-2306	247	11	2020	2020	NUM
bjmsr-2306	247	12	)	)	PUNCT
bjmsr-2306	247	13	.	.	PUNCT
bjmsr-2306	248	1	the	the	DET
bjmsr-2306	248	2	effect	effect	NOUN
bjmsr-2306	248	3	of	of	ADP
bjmsr-2306	248	4	financial	financial	ADJ
bjmsr-2306	248	5	literacy	literacy	NOUN
bjmsr-2306	248	6	on	on	ADP
bjmsr-2306	248	7	investment	investment	NOUN
bjmsr-2306	248	8	decision	decision	NOUN
bjmsr-2306	248	9	-	-	PUNCT
bjmsr-2306	248	10	making	making	NOUN
bjmsr-2306	248	11	in	in	ADP
bjmsr-2306	248	12	southern	southern	ADJ
bjmsr-2306	248	13	lebanon	lebanon	PROPN
bjmsr-2306	248	14	.	.	PUNCT
bjmsr-2306	249	1	international	international	ADJ
bjmsr-2306	249	2	business	business	NOUN
bjmsr-2306	249	3	and	and	CCONJ
bjmsr-2306	249	4	accounting	accounting	NOUN
bjmsr-2306	249	5	research	research	NOUN
bjmsr-2306	249	6	journal	journal	NOUN
bjmsr-2306	249	7	,	,	PUNCT
bjmsr-2306	249	8	4(1	4(1	NOUN
bjmsr-2306	249	9	)	)	PUNCT
bjmsr-2306	249	10	,	,	PUNCT
bjmsr-2306	249	11	37	37	NUM
bjmsr-2306	249	12	-	-	SYM
bjmsr-2306	249	13	43	43	NUM
bjmsr-2306	249	14	.	.	PUNCT
bjmsr-2306	250	1	https://dx.doi.org/10.35474/ibarj.v4i1.133	https://dx.doi.org/10.35474/ibarj.v4i1.133	PROPN
bjmsr-2306	250	2	aren	aren	PROPN
bjmsr-2306	250	3	,	,	PUNCT
bjmsr-2306	250	4	s.	s.	PROPN
bjmsr-2306	250	5	,	,	PUNCT
bjmsr-2306	250	6	&	&	CCONJ
bjmsr-2306	250	7	aydemir	aydemir	PROPN
bjmsr-2306	250	8	,	,	PUNCT
bjmsr-2306	250	9	s.	s.	PROPN
bjmsr-2306	250	10	d.	d.	PROPN
bjmsr-2306	250	11	(	(	PUNCT
bjmsr-2306	250	12	2015	2015	NUM
bjmsr-2306	250	13	)	)	PUNCT
bjmsr-2306	250	14	.	.	PUNCT
bjmsr-2306	251	1	the	the	DET
bjmsr-2306	251	2	moderation	moderation	NOUN
bjmsr-2306	251	3	of	of	ADP
bjmsr-2306	251	4	financial	financial	ADJ
bjmsr-2306	251	5	literacy	literacy	NOUN
bjmsr-2306	251	6	on	on	ADP
bjmsr-2306	251	7	the	the	DET
bjmsr-2306	251	8	relationship	relationship	NOUN
bjmsr-2306	251	9	between	between	ADP
bjmsr-2306	251	10	individual	individual	ADJ
bjmsr-2306	251	11	factors	factor	NOUN
bjmsr-2306	251	12	and	and	CCONJ
bjmsr-2306	251	13	risky	risky	ADJ
bjmsr-2306	251	14	investment	investment	NOUN
bjmsr-2306	251	15	intention	intention	NOUN
bjmsr-2306	251	16	.	.	PUNCT
bjmsr-2306	252	1	international	international	ADJ
bjmsr-2306	252	2	business	business	NOUN
bjmsr-2306	252	3	research	research	NOUN
bjmsr-2306	252	4	,	,	PUNCT
bjmsr-2306	252	5	8(6	8(6	NUM
bjmsr-2306	252	6	)	)	PUNCT
bjmsr-2306	252	7	,	,	PUNCT
bjmsr-2306	252	8	17	17	NUM
bjmsr-2306	252	9	-	-	SYM
bjmsr-2306	252	10	28	28	NUM
bjmsr-2306	252	11	.	.	PUNCT
bjmsr-2306	253	1	https://dx.doi.org/10.5539/ibr.v8n6p17	https://dx.doi.org/10.5539/ibr.v8n6p17	PROPN
bjmsr-2306	253	2	arner	arner	NOUN
bjmsr-2306	253	3	,	,	PUNCT
bjmsr-2306	253	4	d.	d.	PROPN
bjmsr-2306	253	5	w.	w.	PROPN
bjmsr-2306	253	6	,	,	PUNCT
bjmsr-2306	253	7	barberis	barberis	PROPN
bjmsr-2306	253	8	,	,	PUNCT
bjmsr-2306	253	9	j.	j.	PROPN
bjmsr-2306	253	10	,	,	PUNCT
bjmsr-2306	253	11	&	&	CCONJ
bjmsr-2306	253	12	buckley	buckley	PROPN
bjmsr-2306	253	13	,	,	PUNCT
bjmsr-2306	253	14	r.	r.	PROPN
bjmsr-2306	253	15	p.	p.	PROPN
bjmsr-2306	253	16	(	(	PUNCT
bjmsr-2306	253	17	2016	2016	NUM
bjmsr-2306	253	18	)	)	PUNCT
bjmsr-2306	253	19	.	.	PUNCT
bjmsr-2306	254	1	150	150	NUM
bjmsr-2306	254	2	years	year	NOUN
bjmsr-2306	254	3	of	of	ADP
bjmsr-2306	254	4	fintech	fintech	NOUN
bjmsr-2306	254	5	:	:	PUNCT
bjmsr-2306	254	6	an	an	DET
bjmsr-2306	254	7	evolutionary	evolutionary	ADJ
bjmsr-2306	254	8	analysis	analysis	NOUN
bjmsr-2306	254	9	.	.	PUNCT
bjmsr-2306	255	1	jassa	jassa	ADJ
bjmsr-2306	255	2	,	,	PUNCT
bjmsr-2306	255	3	3	3	NUM
bjmsr-2306	255	4	,	,	PUNCT
bjmsr-2306	255	5	22–29	22–29	PROPN
bjmsr-2306	255	6	.	.	PUNCT
bjmsr-2306	255	7	ali	ali	PROPN
bjmsr-2306	255	8	,	,	PUNCT
bjmsr-2306	255	9	s.	s.	PROPN
bjmsr-2306	255	10	m.	m.	PROPN
bjmsr-2306	255	11	,	,	PUNCT
bjmsr-2306	255	12	norhashim	norhashim	ADJ
bjmsr-2306	255	13	,	,	PUNCT
bjmsr-2306	255	14	m.	m.	NOUN
bjmsr-2306	255	15	,	,	PUNCT
bjmsr-2306	255	16	&	&	CCONJ
bjmsr-2306	255	17	jaffar	jaffar	PROPN
bjmsr-2306	255	18	,	,	PUNCT
bjmsr-2306	255	19	n.	n.	PROPN
bjmsr-2306	255	20	(	(	PUNCT
bjmsr-2306	255	21	2024	2024	NUM
bjmsr-2306	255	22	)	)	PUNCT
bjmsr-2306	255	23	.	.	PUNCT
bjmsr-2306	256	1	tax	tax	NOUN
bjmsr-2306	256	2	avoidance	avoidance	NOUN
bjmsr-2306	256	3	and	and	CCONJ
bjmsr-2306	256	4	earnings	earning	NOUN
bjmsr-2306	256	5	management	management	NOUN
bjmsr-2306	256	6	in	in	ADP
bjmsr-2306	256	7	malaysian	malaysian	ADJ
bjmsr-2306	256	8	firms	firm	NOUN
bjmsr-2306	256	9	:	:	PUNCT
bjmsr-2306	256	10	impact	impact	NOUN
bjmsr-2306	256	11	of	of	ADP
bjmsr-2306	256	12	tax	tax	NOUN
bjmsr-2306	256	13	incentives	incentive	NOUN
bjmsr-2306	256	14	.	.	PUNCT
bjmsr-2306	257	1	bangladesh	bangladesh	PROPN
bjmsr-2306	257	2	journal	journal	PROPN
bjmsr-2306	257	3	of	of	ADP
bjmsr-2306	257	4	multidisciplinary	multidisciplinary	ADJ
bjmsr-2306	257	5	scientific	scientific	ADJ
bjmsr-2306	257	6	research	research	NOUN
bjmsr-2306	257	7	,	,	PUNCT
bjmsr-2306	257	8	9(2	9(2	NUM
bjmsr-2306	257	9	)	)	PUNCT
bjmsr-2306	257	10	,	,	PUNCT
bjmsr-2306	257	11	30	30	NUM
bjmsr-2306	257	12	-	-	SYM
bjmsr-2306	257	13	44	44	NUM
bjmsr-2306	257	14	.	.	PUNCT
bjmsr-2306	258	1	https://doi.org/10.46281/bjmsr.v9i2.2223	https://doi.org/10.46281/bjmsr.v9i2.2223	VERB
bjmsr-2306	258	2	baker	baker	PROPN
bjmsr-2306	258	3	,	,	PUNCT
bjmsr-2306	258	4	h.	h.	PROPN
bjmsr-2306	258	5	k.	k.	PROPN
bjmsr-2306	258	6	,	,	PUNCT
bjmsr-2306	258	7	&	&	CCONJ
bjmsr-2306	258	8	ricciardi	ricciardi	PROPN
bjmsr-2306	258	9	,	,	PUNCT
bjmsr-2306	258	10	v.	v.	PROPN
bjmsr-2306	258	11	(	(	PUNCT
bjmsr-2306	258	12	2014	2014	NUM
bjmsr-2306	258	13	)	)	PUNCT
bjmsr-2306	258	14	.	.	PUNCT
bjmsr-2306	259	1	investor	investor	NOUN
bjmsr-2306	259	2	behavior	behavior	NOUN
bjmsr-2306	259	3	:	:	PUNCT
bjmsr-2306	259	4	the	the	DET
bjmsr-2306	259	5	psychology	psychology	NOUN
bjmsr-2306	259	6	of	of	ADP
bjmsr-2306	259	7	financial	financial	ADJ
bjmsr-2306	259	8	planning	planning	NOUN
bjmsr-2306	259	9	and	and	CCONJ
bjmsr-2306	259	10	investing	investing	NOUN
bjmsr-2306	259	11	.	.	PUNCT
bjmsr-2306	260	1	john	john	PROPN
bjmsr-2306	260	2	wiley	wiley	PROPN
bjmsr-2306	260	3	&	&	CCONJ
bjmsr-2306	260	4	sons	son	NOUN
bjmsr-2306	260	5	.	.	PUNCT
bjmsr-2306	261	1	https://doi.org/10.1002/9781118813454	https://doi.org/10.1002/9781118813454	PROPN
bjmsr-2306	261	2	ball	ball	PROPN
bjmsr-2306	261	3	,	,	PUNCT
bjmsr-2306	261	4	r.	r.	PROPN
bjmsr-2306	261	5	(	(	PUNCT
bjmsr-2306	261	6	2006	2006	NUM
bjmsr-2306	261	7	)	)	PUNCT
bjmsr-2306	261	8	.	.	PUNCT
bjmsr-2306	262	1	international	international	ADJ
bjmsr-2306	262	2	financial	financial	ADJ
bjmsr-2306	262	3	reporting	reporting	NOUN
bjmsr-2306	262	4	standards	standard	NOUN
bjmsr-2306	262	5	(	(	PUNCT
bjmsr-2306	262	6	ifrs	ifrs	PROPN
bjmsr-2306	262	7	):	):	PUNCT
bjmsr-2306	262	8	pros	pro	NOUN
bjmsr-2306	262	9	and	and	CCONJ
bjmsr-2306	262	10	cons	con	NOUN
bjmsr-2306	262	11	for	for	ADP
bjmsr-2306	262	12	investors	investor	NOUN
bjmsr-2306	262	13	.	.	PUNCT
bjmsr-2306	263	1	accounting	accounting	NOUN
bjmsr-2306	263	2	and	and	CCONJ
bjmsr-2306	263	3	business	business	NOUN
bjmsr-2306	263	4	research	research	NOUN
bjmsr-2306	263	5	,	,	PUNCT
bjmsr-2306	263	6	36(sup1	36(sup1	NUM
bjmsr-2306	263	7	)	)	PUNCT
bjmsr-2306	263	8	,	,	PUNCT
bjmsr-2306	263	9	5–27	5–27	NOUN
bjmsr-2306	263	10	.	.	PUNCT
bjmsr-2306	264	1	https://doi.org/10.1080/00014788.2006.9730040	https://doi.org/10.1080/00014788.2006.9730040	NOUN
bjmsr-2306	264	2	barberis	barberis	PROPN
bjmsr-2306	264	3	,	,	PUNCT
bjmsr-2306	264	4	n.	n.	NOUN
bjmsr-2306	264	5	,	,	PUNCT
bjmsr-2306	264	6	&	&	CCONJ
bjmsr-2306	264	7	thaler	thaler	PROPN
bjmsr-2306	264	8	,	,	PUNCT
bjmsr-2306	264	9	r.	r.	PROPN
bjmsr-2306	264	10	(	(	PUNCT
bjmsr-2306	264	11	2003	2003	NUM
bjmsr-2306	264	12	)	)	PUNCT
bjmsr-2306	264	13	.	.	PUNCT
bjmsr-2306	265	1	a	a	DET
bjmsr-2306	265	2	survey	survey	NOUN
bjmsr-2306	265	3	of	of	ADP
bjmsr-2306	265	4	behavioral	behavioral	ADJ
bjmsr-2306	265	5	finance	finance	NOUN
bjmsr-2306	265	6	.	.	PUNCT
bjmsr-2306	266	1	handbook	handbook	NOUN
bjmsr-2306	266	2	of	of	ADP
bjmsr-2306	266	3	the	the	DET
bjmsr-2306	266	4	economics	economic	NOUN
bjmsr-2306	266	5	of	of	ADP
bjmsr-2306	266	6	finance	finance	NOUN
bjmsr-2306	266	7	,	,	PUNCT
bjmsr-2306	266	8	1	1	NUM
bjmsr-2306	266	9	,	,	PUNCT
bjmsr-2306	266	10	1053	1053	NUM
bjmsr-2306	266	11	-	-	SYM
bjmsr-2306	266	12	1128	1128	NUM
bjmsr-2306	266	13	.	.	PUNCT
bjmsr-2306	267	1	https://doi.org/10.1016/s1574-0102(03)01027-6	https://doi.org/10.1016/s1574-0102(03)01027-6	PROPN
bjmsr-2306	267	2	benedetti	benedetti	PROPN
bjmsr-2306	267	3	,	,	PUNCT
bjmsr-2306	267	4	h.	h.	PROPN
bjmsr-2306	267	5	,	,	PUNCT
bjmsr-2306	267	6	&	&	CCONJ
bjmsr-2306	267	7	rodríguez	rodríguez	PROPN
bjmsr-2306	267	8	-	-	PUNCT
bjmsr-2306	267	9	garnica	garnica	PROPN
bjmsr-2306	267	10	,	,	PUNCT
bjmsr-2306	267	11	g.	g.	PROPN
bjmsr-2306	267	12	(	(	PUNCT
bjmsr-2306	267	13	2023	2023	NUM
bjmsr-2306	267	14	)	)	PUNCT
bjmsr-2306	267	15	.	.	PUNCT
bjmsr-2306	268	1	tokenized	tokenize	VERB
bjmsr-2306	268	2	assets	asset	NOUN
bjmsr-2306	268	3	and	and	CCONJ
bjmsr-2306	268	4	securities	security	NOUN
bjmsr-2306	268	5	.	.	PUNCT
bjmsr-2306	269	1	in	in	ADP
bjmsr-2306	269	2	the	the	DET
bjmsr-2306	269	3	emerald	emerald	PROPN
bjmsr-2306	269	4	handbook	handbook	NOUN
bjmsr-2306	269	5	on	on	ADP
bjmsr-2306	269	6	cryptoassets	cryptoasset	NOUN
bjmsr-2306	269	7	:	:	PUNCT
bjmsr-2306	269	8	investment	investment	NOUN
bjmsr-2306	269	9	opportunities	opportunity	NOUN
bjmsr-2306	269	10	and	and	CCONJ
bjmsr-2306	269	11	challenges	challenge	NOUN
bjmsr-2306	269	12	(	(	PUNCT
bjmsr-2306	269	13	pp	pp	ADJ
bjmsr-2306	269	14	.	.	PUNCT
bjmsr-2306	269	15	107	107	NUM
bjmsr-2306	269	16	-	-	SYM
bjmsr-2306	269	17	121	121	NUM
bjmsr-2306	269	18	)	)	PUNCT
bjmsr-2306	269	19	.	.	PUNCT
bjmsr-2306	270	1	emerald	emerald	PROPN
bjmsr-2306	270	2	publishing	publishing	PROPN
bjmsr-2306	270	3	limited	limit	VERB
bjmsr-2306	270	4	.	.	PUNCT
bjmsr-2306	271	1	https://doi.org/10.1108/978-1-80455-320-620221008	https://doi.org/10.1108/978-1-80455-320-620221008	NOUN
bjmsr-2306	271	2	cascino	cascino	PROPN
bjmsr-2306	271	3	,	,	PUNCT
bjmsr-2306	271	4	s.	s.	PROPN
bjmsr-2306	271	5	,	,	PUNCT
bjmsr-2306	271	6	&	&	CCONJ
bjmsr-2306	271	7	gassen	gassen	PROPN
bjmsr-2306	271	8	,	,	PUNCT
bjmsr-2306	271	9	j.	j.	PROPN
bjmsr-2306	271	10	(	(	PUNCT
bjmsr-2306	271	11	2015	2015	NUM
bjmsr-2306	271	12	)	)	PUNCT
bjmsr-2306	271	13	.	.	PUNCT
bjmsr-2306	272	1	what	what	PRON
bjmsr-2306	272	2	drives	drive	VERB
bjmsr-2306	272	3	the	the	DET
bjmsr-2306	272	4	comparability	comparability	NOUN
bjmsr-2306	272	5	effect	effect	NOUN
bjmsr-2306	272	6	of	of	ADP
bjmsr-2306	272	7	mandatory	mandatory	ADJ
bjmsr-2306	272	8	ifrs	ifrs	NOUN
bjmsr-2306	272	9	adoption	adoption	NOUN
bjmsr-2306	272	10	?	?	PUNCT
bjmsr-2306	273	1	review	review	NOUN
bjmsr-2306	273	2	of	of	ADP
bjmsr-2306	273	3	accounting	accounting	NOUN
bjmsr-2306	273	4	studies	study	NOUN
bjmsr-2306	273	5	,	,	PUNCT
bjmsr-2306	273	6	20(1	20(1	NUM
bjmsr-2306	273	7	)	)	PUNCT
bjmsr-2306	273	8	,	,	PUNCT
bjmsr-2306	273	9	242	242	NUM
bjmsr-2306	273	10	-	-	SYM
bjmsr-2306	273	11	282	282	NUM
bjmsr-2306	273	12	.	.	PUNCT
bjmsr-2306	274	1	https://dx.doi.org/10.2139/ssrn.1402206	https://dx.doi.org/10.2139/ssrn.1402206	X
bjmsr-2306	274	2	gervais	gervais	PROPN
bjmsr-2306	274	3	,	,	PUNCT
bjmsr-2306	274	4	m.	m.	NOUN
bjmsr-2306	274	5	,	,	PUNCT
bjmsr-2306	274	6	&	&	CCONJ
bjmsr-2306	274	7	odean	odean	ADJ
bjmsr-2306	274	8	,	,	PUNCT
bjmsr-2306	274	9	t.	t.	PROPN
bjmsr-2306	274	10	(	(	PUNCT
bjmsr-2306	274	11	2001	2001	NUM
bjmsr-2306	274	12	)	)	PUNCT
bjmsr-2306	274	13	.	.	PUNCT
bjmsr-2306	275	1	learning	learn	VERB
bjmsr-2306	275	2	to	to	PART
bjmsr-2306	275	3	be	be	AUX
bjmsr-2306	275	4	overconfident	overconfident	ADJ
bjmsr-2306	275	5	.	.	PUNCT
bjmsr-2306	276	1	review	review	NOUN
bjmsr-2306	276	2	of	of	ADP
bjmsr-2306	276	3	financial	financial	ADJ
bjmsr-2306	276	4	studies	study	NOUN
bjmsr-2306	276	5	,	,	PUNCT
bjmsr-2306	276	6	14(1	14(1	NUM
bjmsr-2306	276	7	)	)	PUNCT
bjmsr-2306	276	8	,	,	PUNCT
bjmsr-2306	276	9	1	1	NUM
bjmsr-2306	276	10	-	-	SYM
bjmsr-2306	276	11	27	27	NUM
bjmsr-2306	276	12	.	.	PUNCT
bjmsr-2306	276	13	retrieved	retrieve	VERB
bjmsr-2306	276	14	from	from	ADP
bjmsr-2306	276	15	https://www.jstor.org/stable/2696755	https://www.jstor.org/stable/2696755	PROPN
bjmsr-2306	276	16	haddad	haddad	PROPN
bjmsr-2306	276	17	,	,	PUNCT
bjmsr-2306	276	18	c.	c.	PROPN
bjmsr-2306	276	19	,	,	PUNCT
bjmsr-2306	276	20	&	&	CCONJ
bjmsr-2306	276	21	hornuf	hornuf	PROPN
bjmsr-2306	276	22	,	,	PUNCT
bjmsr-2306	276	23	l.	l.	PROPN
bjmsr-2306	276	24	(	(	PUNCT
bjmsr-2306	276	25	2019	2019	NUM
bjmsr-2306	276	26	)	)	PUNCT
bjmsr-2306	276	27	.	.	PUNCT
bjmsr-2306	277	1	the	the	DET
bjmsr-2306	277	2	emergence	emergence	NOUN
bjmsr-2306	277	3	of	of	ADP
bjmsr-2306	277	4	the	the	DET
bjmsr-2306	277	5	global	global	ADJ
bjmsr-2306	277	6	fintech	fintech	NOUN
bjmsr-2306	277	7	market	market	NOUN
bjmsr-2306	277	8	:	:	PUNCT
bjmsr-2306	277	9	economic	economic	ADJ
bjmsr-2306	277	10	and	and	CCONJ
bjmsr-2306	277	11	technological	technological	ADJ
bjmsr-2306	277	12	determinants	determinant	NOUN
bjmsr-2306	277	13	.	.	PUNCT
bjmsr-2306	278	1	small	small	ADJ
bjmsr-2306	278	2	business	business	NOUN
bjmsr-2306	278	3	economics	economic	NOUN
bjmsr-2306	278	4	,	,	PUNCT
bjmsr-2306	278	5	53(1	53(1	PROPN
bjmsr-2306	278	6	)	)	PUNCT
bjmsr-2306	278	7	,	,	PUNCT
bjmsr-2306	278	8	81	81	NUM
bjmsr-2306	278	9	-	-	SYM
bjmsr-2306	278	10	105	105	NUM
bjmsr-2306	278	11	.	.	PUNCT
bjmsr-2306	279	1	https://doi.org/10.1007/s11187-018-9991-x	https://doi.org/10.1007/s11187-018-9991-x	NOUN
bjmsr-2306	279	2	hirshleifer	hirshleifer	PROPN
bjmsr-2306	279	3	,	,	PUNCT
bjmsr-2306	279	4	d.	d.	PROPN
bjmsr-2306	279	5	(	(	PUNCT
bjmsr-2306	279	6	2001	2001	NUM
bjmsr-2306	279	7	)	)	PUNCT
bjmsr-2306	279	8	.	.	PUNCT
bjmsr-2306	280	1	investor	investor	NOUN
bjmsr-2306	280	2	psychology	psychology	NOUN
bjmsr-2306	280	3	and	and	CCONJ
bjmsr-2306	280	4	asset	asset	NOUN
bjmsr-2306	280	5	pricing	pricing	NOUN
bjmsr-2306	280	6	.	.	PUNCT
bjmsr-2306	281	1	journal	journal	PROPN
bjmsr-2306	281	2	of	of	ADP
bjmsr-2306	281	3	finance	finance	NOUN
bjmsr-2306	281	4	,	,	PUNCT
bjmsr-2306	281	5	56(4	56(4	NOUN
bjmsr-2306	281	6	)	)	PUNCT
bjmsr-2306	281	7	,	,	PUNCT
bjmsr-2306	281	8	1533	1533	NUM
bjmsr-2306	281	9	-	-	SYM
bjmsr-2306	281	10	1597	1597	NUM
bjmsr-2306	281	11	.	.	PUNCT
bjmsr-2306	282	1	retrieved	retrieve	VERB
bjmsr-2306	282	2	from	from	ADP
bjmsr-2306	282	3	https://www.jstor.org/stable/2697808	https://www.jstor.org/stable/2697808	NOUN
bjmsr-2306	282	4	https://doi.org/10.5539/ibr.v8n6p17	https://doi.org/10.5539/ibr.v8n6p17	NOUN
bjmsr-2306	282	5	https://doi.org/10.1080/00014788.2006.9730040	https://doi.org/10.1080/00014788.2006.9730040	PUNCT
bjmsr-2306	282	6	https://doi.org/10.1016/s1574-0102(03)01027-6	https://doi.org/10.1016/s1574-0102(03)01027-6	PROPN
bjmsr-2306	282	7	https://doi.org/10.1108/978-1-80455-320-620221008	https://doi.org/10.1108/978-1-80455-320-620221008	NOUN
bjmsr-2306	282	8	https://dx.doi.org/10.2139/ssrn.1402206	https://dx.doi.org/10.2139/ssrn.1402206	X
bjmsr-2306	282	9	https://www.jstor.org/stable/2696755	https://www.jstor.org/stable/2696755	VERB
bjmsr-2306	282	10	https://doi.org/10.1007/s11187-018-9991-x	https://doi.org/10.1007/s11187-018-9991-x	PROPN
bjmsr-2306	282	11	https://www.jstor.org/stable/2697808	https://www.jstor.org/stable/2697808	NOUN
bjmsr-2306	282	12	zaheeruddin	zaheeruddin	PROPN
bjmsr-2306	282	13	&	&	CCONJ
bjmsr-2306	282	14	kumar	kumar	PROPN
bjmsr-2306	282	15	,	,	PUNCT
bjmsr-2306	282	16	bangladesh	bangladesh	PROPN
bjmsr-2306	282	17	journal	journal	NOUN
bjmsr-2306	282	18	of	of	ADP
bjmsr-2306	282	19	multidisciplinary	multidisciplinary	ADJ
bjmsr-2306	282	20	scientific	scientific	ADJ
bjmsr-2306	282	21	research	research	NOUN
bjmsr-2306	282	22	10(2	10(2	NUM
bjmsr-2306	282	23	)	)	PUNCT
bjmsr-2306	282	24	(	(	PUNCT
bjmsr-2306	282	25	2025	2025	NUM
bjmsr-2306	282	26	)	)	PUNCT
bjmsr-2306	282	27	,	,	PUNCT
bjmsr-2306	282	28	12	12	NUM
bjmsr-2306	282	29	-	-	SYM
bjmsr-2306	282	30	20	20	NUM
bjmsr-2306	282	31	20	20	NUM
bjmsr-2306	282	32	huston	huston	PROPN
bjmsr-2306	282	33	,	,	PUNCT
bjmsr-2306	282	34	s.	s.	PROPN
bjmsr-2306	282	35	j.	j.	PROPN
bjmsr-2306	282	36	(	(	PUNCT
bjmsr-2306	282	37	2010	2010	NUM
bjmsr-2306	282	38	)	)	PUNCT
bjmsr-2306	282	39	.	.	PUNCT
bjmsr-2306	283	1	measuring	measure	VERB
bjmsr-2306	283	2	financial	financial	ADJ
bjmsr-2306	283	3	literacy	literacy	NOUN
bjmsr-2306	283	4	.	.	PUNCT
bjmsr-2306	284	1	journal	journal	NOUN
bjmsr-2306	284	2	of	of	ADP
bjmsr-2306	284	3	consumer	consumer	NOUN
bjmsr-2306	284	4	affairs	affair	NOUN
bjmsr-2306	284	5	,	,	PUNCT
bjmsr-2306	284	6	44(2	44(2	NOUN
bjmsr-2306	284	7	)	)	PUNCT
bjmsr-2306	284	8	,	,	PUNCT
bjmsr-2306	284	9	296	296	NUM
bjmsr-2306	284	10	-	-	SYM
bjmsr-2306	284	11	316	316	NUM
bjmsr-2306	284	12	.	.	PUNCT
bjmsr-2306	284	13	https://doi.org/10.1111/j.1745-6606.2010.01170.x	https://doi.org/10.1111/j.1745-6606.2010.01170.x	PROPN
bjmsr-2306	284	14	kahneman	kahneman	PROPN
bjmsr-2306	284	15	,	,	PUNCT
bjmsr-2306	284	16	d.	d.	PROPN
bjmsr-2306	284	17	,	,	PUNCT
bjmsr-2306	284	18	&	&	CCONJ
bjmsr-2306	284	19	tversky	tversky	PROPN
bjmsr-2306	284	20	,	,	PUNCT
bjmsr-2306	284	21	a.	a.	NOUN
bjmsr-2306	284	22	(	(	PUNCT
bjmsr-2306	284	23	1979	1979	NUM
bjmsr-2306	284	24	)	)	PUNCT
bjmsr-2306	284	25	.	.	PUNCT
bjmsr-2306	285	1	prospect	prospect	PROPN
bjmsr-2306	285	2	theory	theory	NOUN
bjmsr-2306	285	3	:	:	PUNCT
bjmsr-2306	285	4	an	an	DET
bjmsr-2306	285	5	analysis	analysis	NOUN
bjmsr-2306	285	6	of	of	ADP
bjmsr-2306	285	7	decision	decision	NOUN
bjmsr-2306	285	8	under	under	ADP
bjmsr-2306	285	9	risk	risk	NOUN
bjmsr-2306	285	10	.	.	PUNCT
bjmsr-2306	286	1	econometrica	econometrica	PROPN
bjmsr-2306	286	2	,	,	PUNCT
bjmsr-2306	286	3	47(2	47(2	PROPN
bjmsr-2306	286	4	)	)	PUNCT
bjmsr-2306	286	5	,	,	PUNCT
bjmsr-2306	286	6	263	263	NUM
bjmsr-2306	286	7	-	-	SYM
bjmsr-2306	286	8	291	291	NUM
bjmsr-2306	286	9	.	.	PUNCT
bjmsr-2306	287	1	https://doi.org/10.2307/1914185	https://doi.org/10.2307/1914185	PROPN
bjmsr-2306	287	2	kaiser	kaiser	PROPN
bjmsr-2306	287	3	,	,	PUNCT
bjmsr-2306	287	4	t.	t.	PROPN
bjmsr-2306	287	5	,	,	PUNCT
bjmsr-2306	287	6	&	&	CCONJ
bjmsr-2306	287	7	menkhoff	menkhoff	PROPN
bjmsr-2306	287	8	,	,	PUNCT
bjmsr-2306	287	9	l.	l.	PROPN
bjmsr-2306	287	10	(	(	PUNCT
bjmsr-2306	287	11	2020	2020	NUM
bjmsr-2306	287	12	)	)	PUNCT
bjmsr-2306	287	13	.	.	PUNCT
bjmsr-2306	288	1	does	do	VERB
bjmsr-2306	288	2	financial	financial	ADJ
bjmsr-2306	288	3	education	education	NOUN
bjmsr-2306	288	4	impact	impact	NOUN
bjmsr-2306	288	5	financial	financial	ADJ
bjmsr-2306	288	6	literacy	literacy	NOUN
bjmsr-2306	288	7	and	and	CCONJ
bjmsr-2306	288	8	financial	financial	ADJ
bjmsr-2306	288	9	behavior	behavior	NOUN
bjmsr-2306	288	10	,	,	PUNCT
bjmsr-2306	288	11	and	and	CCONJ
bjmsr-2306	288	12	if	if	SCONJ
bjmsr-2306	288	13	so	so	ADV
bjmsr-2306	288	14	,	,	PUNCT
bjmsr-2306	288	15	when	when	SCONJ
bjmsr-2306	288	16	?	?	PUNCT
bjmsr-2306	289	1	world	world	PROPN
bjmsr-2306	289	2	bank	bank	PROPN
bjmsr-2306	289	3	economic	economic	PROPN
bjmsr-2306	289	4	review	review	PROPN
bjmsr-2306	289	5	,	,	PUNCT
bjmsr-2306	289	6	34(3	34(3	NUM
bjmsr-2306	289	7	)	)	PUNCT
bjmsr-2306	289	8	,	,	PUNCT
bjmsr-2306	289	9	613	613	NUM
bjmsr-2306	289	10	-	-	SYM
bjmsr-2306	289	11	634	634	NUM
bjmsr-2306	289	12	.	.	PUNCT
bjmsr-2306	289	13	retrieved	retrieve	VERB
bjmsr-2306	289	14	from	from	ADP
bjmsr-2306	289	15	https://documents.worldbank.org/curated/en/144551502300810101	https://documents.worldbank.org/curated/en/144551502300810101	PROPN
bjmsr-2306	289	16	klapper	klapper	NOUN
bjmsr-2306	289	17	,	,	PUNCT
bjmsr-2306	289	18	l.	l.	PROPN
bjmsr-2306	289	19	,	,	PUNCT
bjmsr-2306	289	20	lusardi	lusardi	PROPN
bjmsr-2306	289	21	,	,	PUNCT
bjmsr-2306	289	22	a.	a.	NOUN
bjmsr-2306	289	23	,	,	PUNCT
bjmsr-2306	289	24	&	&	CCONJ
bjmsr-2306	289	25	panos	panos	PROPN
bjmsr-2306	289	26	,	,	PUNCT
bjmsr-2306	289	27	g.	g.	PROPN
bjmsr-2306	289	28	a.	a.	PROPN
bjmsr-2306	290	1	(	(	PUNCT
bjmsr-2306	290	2	2013	2013	NUM
bjmsr-2306	290	3	)	)	PUNCT
bjmsr-2306	290	4	.	.	PUNCT
bjmsr-2306	291	1	financial	financial	ADJ
bjmsr-2306	291	2	literacy	literacy	NOUN
bjmsr-2306	291	3	and	and	CCONJ
bjmsr-2306	291	4	its	its	PRON
bjmsr-2306	291	5	consequences	consequence	NOUN
bjmsr-2306	291	6	:	:	PUNCT
bjmsr-2306	291	7	evidence	evidence	NOUN
bjmsr-2306	291	8	from	from	ADP
bjmsr-2306	291	9	russia	russia	PROPN
bjmsr-2306	291	10	during	during	ADP
bjmsr-2306	291	11	the	the	DET
bjmsr-2306	291	12	financial	financial	ADJ
bjmsr-2306	291	13	crisis	crisis	NOUN
bjmsr-2306	291	14	.	.	PUNCT
bjmsr-2306	292	1	journal	journal	NOUN
bjmsr-2306	292	2	of	of	ADP
bjmsr-2306	292	3	banking	banking	NOUN
bjmsr-2306	292	4	&	&	CCONJ
bjmsr-2306	292	5	finance	finance	NOUN
bjmsr-2306	292	6	,	,	PUNCT
bjmsr-2306	292	7	37(10	37(10	NUM
bjmsr-2306	292	8	)	)	PUNCT
bjmsr-2306	292	9	,	,	PUNCT
bjmsr-2306	292	10	3904	3904	NUM
bjmsr-2306	292	11	-	-	SYM
bjmsr-2306	292	12	3923	3923	NUM
bjmsr-2306	292	13	.	.	PUNCT
bjmsr-2306	293	1	https://doi.org/10.1016/j.jbankfin.2013.07.014	https://doi.org/10.1016/j.jbankfin.2013.07.014	PROPN
bjmsr-2306	293	2	kou	kou	PROPN
bjmsr-2306	293	3	,	,	PUNCT
bjmsr-2306	293	4	g.	g.	PROPN
bjmsr-2306	293	5	,	,	PUNCT
bjmsr-2306	293	6	&	&	CCONJ
bjmsr-2306	293	7	lu	lu	PROPN
bjmsr-2306	293	8	,	,	PUNCT
bjmsr-2306	293	9	y.	y.	PROPN
bjmsr-2306	293	10	(	(	PUNCT
bjmsr-2306	293	11	2025	2025	NUM
bjmsr-2306	293	12	)	)	PUNCT
bjmsr-2306	293	13	.	.	PUNCT
bjmsr-2306	294	1	fintech	fintech	NOUN
bjmsr-2306	294	2	:	:	PUNCT
bjmsr-2306	294	3	a	a	DET
bjmsr-2306	294	4	literature	literature	NOUN
bjmsr-2306	294	5	review	review	NOUN
bjmsr-2306	294	6	of	of	ADP
bjmsr-2306	294	7	emerging	emerge	VERB
bjmsr-2306	294	8	financial	financial	ADJ
bjmsr-2306	294	9	technologies	technology	NOUN
bjmsr-2306	294	10	and	and	CCONJ
bjmsr-2306	294	11	applications	application	NOUN
bjmsr-2306	294	12	.	.	PUNCT
bjmsr-2306	295	1	financial	financial	ADJ
bjmsr-2306	295	2	innovation	innovation	NOUN
bjmsr-2306	295	3	,	,	PUNCT
bjmsr-2306	295	4	11(1	11(1	NUM
bjmsr-2306	295	5	)	)	PUNCT
bjmsr-2306	295	6	,	,	PUNCT
bjmsr-2306	295	7	1	1	NUM
bjmsr-2306	295	8	.	.	PUNCT
bjmsr-2306	295	9	https://doi.org/10.1186/s40854-024-00668-6	https://doi.org/10.1186/s40854-024-00668-6	NUM
bjmsr-2306	295	10	kline	kline	PROPN
bjmsr-2306	295	11	,	,	PUNCT
bjmsr-2306	295	12	r.	r.	PROPN
bjmsr-2306	295	13	b.	b.	PROPN
bjmsr-2306	295	14	(	(	PUNCT
bjmsr-2306	295	15	2016	2016	NUM
bjmsr-2306	295	16	)	)	PUNCT
bjmsr-2306	295	17	.	.	PUNCT
bjmsr-2306	296	1	principles	principle	NOUN
bjmsr-2306	296	2	and	and	CCONJ
bjmsr-2306	296	3	practice	practice	NOUN
bjmsr-2306	296	4	of	of	ADP
bjmsr-2306	296	5	structural	structural	ADJ
bjmsr-2306	296	6	equation	equation	NOUN
bjmsr-2306	296	7	modeling	modeling	NOUN
bjmsr-2306	296	8	(	(	PUNCT
bjmsr-2306	296	9	4th	4th	ADJ
bjmsr-2306	296	10	ed	ed	NOUN
bjmsr-2306	296	11	.	.	PUNCT
bjmsr-2306	296	12	)	)	PUNCT
bjmsr-2306	296	13	.	.	PUNCT
bjmsr-2306	297	1	the	the	DET
bjmsr-2306	297	2	guilford	guilford	PROPN
bjmsr-2306	297	3	press	press	PROPN
bjmsr-2306	297	4	.	.	PUNCT
bjmsr-2306	298	1	retrieved	retrieve	VERB
bjmsr-2306	298	2	from	from	ADP
bjmsr-2306	298	3	https://dl.icdst.org/pdfs/files4/befc0f8521c770249dd18726a917cf90.pdf	https://dl.icdst.org/pdfs/files4/befc0f8521c770249dd18726a917cf90.pdf	NOUN
bjmsr-2306	298	4	lusardi	lusardi	NOUN
bjmsr-2306	298	5	,	,	PUNCT
bjmsr-2306	298	6	a.	a.	PROPN
bjmsr-2306	298	7	,	,	PUNCT
bjmsr-2306	298	8	&	&	CCONJ
bjmsr-2306	298	9	mitchell	mitchell	PROPN
bjmsr-2306	298	10	,	,	PUNCT
bjmsr-2306	298	11	o.	o.	PROPN
bjmsr-2306	298	12	s.	s.	PROPN
bjmsr-2306	298	13	(	(	PUNCT
bjmsr-2306	298	14	2011	2011	NUM
bjmsr-2306	298	15	)	)	PUNCT
bjmsr-2306	298	16	.	.	PUNCT
bjmsr-2306	299	1	financial	financial	ADJ
bjmsr-2306	299	2	literacy	literacy	NOUN
bjmsr-2306	299	3	and	and	CCONJ
bjmsr-2306	299	4	retirement	retirement	NOUN
bjmsr-2306	299	5	planning	planning	NOUN
bjmsr-2306	299	6	in	in	ADP
bjmsr-2306	299	7	the	the	DET
bjmsr-2306	299	8	united	united	PROPN
bjmsr-2306	299	9	states	states	PROPN
bjmsr-2306	299	10	.	.	PUNCT
bjmsr-2306	300	1	journal	journal	PROPN
bjmsr-2306	300	2	of	of	ADP
bjmsr-2306	300	3	pension	pension	NOUN
bjmsr-2306	300	4	economics	economic	NOUN
bjmsr-2306	300	5	&	&	CCONJ
bjmsr-2306	300	6	finance	finance	PROPN
bjmsr-2306	300	7	,	,	PUNCT
bjmsr-2306	300	8	10(4	10(4	NUM
bjmsr-2306	300	9	)	)	PUNCT
bjmsr-2306	300	10	,	,	PUNCT
bjmsr-2306	300	11	509	509	NUM
bjmsr-2306	300	12	-	-	SYM
bjmsr-2306	300	13	525	525	NUM
bjmsr-2306	300	14	.	.	PUNCT
bjmsr-2306	301	1	https://doi.org/10.1017/s147474721100045x	https://doi.org/10.1017/s147474721100045x	PROPN
bjmsr-2306	301	2	lusardi	lusardi	PROPN
bjmsr-2306	301	3	,	,	PUNCT
bjmsr-2306	301	4	a.	a.	PROPN
bjmsr-2306	301	5	,	,	PUNCT
bjmsr-2306	301	6	&	&	CCONJ
bjmsr-2306	301	7	mitchell	mitchell	PROPN
bjmsr-2306	301	8	,	,	PUNCT
bjmsr-2306	301	9	o.	o.	PROPN
bjmsr-2306	301	10	s.	s.	PROPN
bjmsr-2306	301	11	(	(	PUNCT
bjmsr-2306	301	12	2014	2014	NUM
bjmsr-2306	301	13	)	)	PUNCT
bjmsr-2306	301	14	.	.	PUNCT
bjmsr-2306	302	1	the	the	DET
bjmsr-2306	302	2	economic	economic	ADJ
bjmsr-2306	302	3	importance	importance	NOUN
bjmsr-2306	302	4	of	of	ADP
bjmsr-2306	302	5	financial	financial	ADJ
bjmsr-2306	302	6	literacy	literacy	NOUN
bjmsr-2306	302	7	:	:	PUNCT
bjmsr-2306	302	8	theory	theory	NOUN
bjmsr-2306	302	9	and	and	CCONJ
bjmsr-2306	302	10	evidence	evidence	NOUN
bjmsr-2306	302	11	.	.	PUNCT
bjmsr-2306	303	1	journal	journal	NOUN
bjmsr-2306	303	2	of	of	ADP
bjmsr-2306	303	3	economic	economic	ADJ
bjmsr-2306	303	4	literature	literature	NOUN
bjmsr-2306	303	5	,	,	PUNCT
bjmsr-2306	303	6	52(1	52(1	NOUN
bjmsr-2306	303	7	)	)	PUNCT
bjmsr-2306	303	8	,	,	PUNCT
bjmsr-2306	303	9	5	5	NUM
bjmsr-2306	303	10	-	-	SYM
bjmsr-2306	303	11	44	44	NUM
bjmsr-2306	303	12	.	.	PUNCT
bjmsr-2306	304	1	https://doi.org/10.1257/jel.52.1.5	https://doi.org/10.1257/jel.52.1.5	PROPN
bjmsr-2306	304	2	odean	odean	ADJ
bjmsr-2306	304	3	,	,	PUNCT
bjmsr-2306	304	4	t.	t.	PROPN
bjmsr-2306	304	5	(	(	PUNCT
bjmsr-2306	304	6	1998	1998	NUM
bjmsr-2306	304	7	)	)	PUNCT
bjmsr-2306	304	8	.	.	PUNCT
bjmsr-2306	305	1	volume	volume	NOUN
bjmsr-2306	305	2	,	,	PUNCT
bjmsr-2306	305	3	volatility	volatility	NOUN
bjmsr-2306	305	4	,	,	PUNCT
bjmsr-2306	305	5	price	price	NOUN
bjmsr-2306	305	6	,	,	PUNCT
bjmsr-2306	305	7	and	and	CCONJ
bjmsr-2306	305	8	profit	profit	NOUN
bjmsr-2306	305	9	when	when	SCONJ
bjmsr-2306	305	10	all	all	DET
bjmsr-2306	305	11	investors	investor	NOUN
bjmsr-2306	305	12	are	be	AUX
bjmsr-2306	305	13	above	above	ADP
bjmsr-2306	305	14	average	average	ADJ
bjmsr-2306	305	15	.	.	PUNCT
bjmsr-2306	306	1	journal	journal	PROPN
bjmsr-2306	306	2	of	of	ADP
bjmsr-2306	306	3	finance	finance	NOUN
bjmsr-2306	306	4	,	,	PUNCT
bjmsr-2306	306	5	53(6	53(6	PROPN
bjmsr-2306	306	6	)	)	PUNCT
bjmsr-2306	306	7	,	,	PUNCT
bjmsr-2306	306	8	1887	1887	NUM
bjmsr-2306	306	9	-	-	SYM
bjmsr-2306	306	10	1934	1934	NUM
bjmsr-2306	306	11	.	.	PUNCT
bjmsr-2306	307	1	https://doi.org/10.1111/0022-1082.00078	https://doi.org/10.1111/0022-1082.00078	PROPN
bjmsr-2306	307	2	peón	peón	PROPN
bjmsr-2306	307	3	,	,	PUNCT
bjmsr-2306	307	4	d.	d.	PROPN
bjmsr-2306	307	5	,	,	PUNCT
bjmsr-2306	307	6	&	&	CCONJ
bjmsr-2306	307	7	antelo	antelo	ADJ
bjmsr-2306	307	8	,	,	PUNCT
bjmsr-2306	307	9	m.	m.	NOUN
bjmsr-2306	307	10	(	(	PUNCT
bjmsr-2306	307	11	2021	2021	NUM
bjmsr-2306	307	12	)	)	PUNCT
bjmsr-2306	307	13	.	.	PUNCT
bjmsr-2306	308	1	the	the	DET
bjmsr-2306	308	2	effect	effect	NOUN
bjmsr-2306	308	3	of	of	ADP
bjmsr-2306	308	4	behavioral	behavioral	ADJ
bjmsr-2306	308	5	biases	bias	NOUN
bjmsr-2306	308	6	on	on	ADP
bjmsr-2306	308	7	financial	financial	ADJ
bjmsr-2306	308	8	decisions	decision	NOUN
bjmsr-2306	308	9	.	.	PUNCT
bjmsr-2306	309	1	revista	revista	PROPN
bjmsr-2306	309	2	estrategia	estrategia	PROPN
bjmsr-2306	309	3	organizacional	organizacional	ADJ
bjmsr-2306	309	4	,	,	PUNCT
bjmsr-2306	309	5	10(2	10(2	NUM
bjmsr-2306	309	6	)	)	PUNCT
bjmsr-2306	309	7	,	,	PUNCT
bjmsr-2306	309	8	1	1	NUM
bjmsr-2306	309	9	-	-	SYM
bjmsr-2306	309	10	63	63	NUM
bjmsr-2306	309	11	.	.	PUNCT
bjmsr-2306	310	1	riedl	riedl	PROPN
bjmsr-2306	310	2	,	,	PUNCT
bjmsr-2306	310	3	a.	a.	NOUN
bjmsr-2306	310	4	,	,	PUNCT
bjmsr-2306	310	5	&	&	CCONJ
bjmsr-2306	310	6	smeets	smeet	NOUN
bjmsr-2306	310	7	,	,	PUNCT
bjmsr-2306	310	8	p.	p.	NOUN
bjmsr-2306	310	9	(	(	PUNCT
bjmsr-2306	310	10	2017	2017	NUM
bjmsr-2306	310	11	)	)	PUNCT
bjmsr-2306	310	12	.	.	PUNCT
bjmsr-2306	311	1	why	why	SCONJ
bjmsr-2306	311	2	do	do	AUX
bjmsr-2306	311	3	investors	investor	NOUN
bjmsr-2306	311	4	hold	hold	VERB
bjmsr-2306	311	5	socially	socially	ADV
bjmsr-2306	311	6	responsible	responsible	ADJ
bjmsr-2306	311	7	mutual	mutual	ADJ
bjmsr-2306	311	8	funds	fund	NOUN
bjmsr-2306	311	9	?	?	PUNCT
bjmsr-2306	312	1	the	the	DET
bjmsr-2306	312	2	journal	journal	NOUN
bjmsr-2306	312	3	of	of	ADP
bjmsr-2306	312	4	finance	finance	NOUN
bjmsr-2306	312	5	,	,	PUNCT
bjmsr-2306	312	6	72(6	72(6	NOUN
bjmsr-2306	312	7	)	)	PUNCT
bjmsr-2306	312	8	,	,	PUNCT
bjmsr-2306	312	9	2505	2505	NUM
bjmsr-2306	312	10	-	-	SYM
bjmsr-2306	312	11	2550	2550	NUM
bjmsr-2306	312	12	.	.	PUNCT
bjmsr-2306	313	1	https://doi.org/10.1111/jofi.12547	https://doi.org/10.1111/jofi.12547	PROPN
bjmsr-2306	313	2	shapira	shapira	PROPN
bjmsr-2306	313	3	,	,	PUNCT
bjmsr-2306	313	4	z.	z.	PROPN
bjmsr-2306	313	5	,	,	PUNCT
bjmsr-2306	313	6	&	&	CCONJ
bjmsr-2306	313	7	venezia	venezia	PROPN
bjmsr-2306	313	8	,	,	PUNCT
bjmsr-2306	313	9	i.	i.	PROPN
bjmsr-2306	313	10	(	(	PUNCT
bjmsr-2306	313	11	2001	2001	NUM
bjmsr-2306	313	12	)	)	PUNCT
bjmsr-2306	313	13	.	.	PUNCT
bjmsr-2306	314	1	patterns	pattern	NOUN
bjmsr-2306	314	2	of	of	ADP
bjmsr-2306	314	3	behavior	behavior	NOUN
bjmsr-2306	314	4	of	of	ADP
bjmsr-2306	314	5	professionally	professionally	ADV
bjmsr-2306	314	6	managed	manage	VERB
bjmsr-2306	314	7	and	and	CCONJ
bjmsr-2306	314	8	independent	independent	ADJ
bjmsr-2306	314	9	investors	investor	NOUN
bjmsr-2306	314	10	.	.	PUNCT
bjmsr-2306	315	1	journal	journal	PROPN
bjmsr-2306	315	2	of	of	ADP
bjmsr-2306	315	3	banking	banking	NOUN
bjmsr-2306	315	4	&	&	CCONJ
bjmsr-2306	315	5	finance	finance	PROPN
bjmsr-2306	315	6	,	,	PUNCT
bjmsr-2306	315	7	25(8	25(8	NUM
bjmsr-2306	315	8	)	)	PUNCT
bjmsr-2306	315	9	,	,	PUNCT
bjmsr-2306	315	10	1573	1573	NUM
bjmsr-2306	315	11	-	-	SYM
bjmsr-2306	315	12	1587	1587	NUM
bjmsr-2306	315	13	.	.	PUNCT
bjmsr-2306	316	1	https://doi.org/10.1016/s0378-4266(00)00139-4	https://doi.org/10.1016/s0378-4266(00)00139-4	PROPN
bjmsr-2306	316	2	shiller	shiller	PROPN
bjmsr-2306	316	3	,	,	PUNCT
bjmsr-2306	316	4	r.	r.	PROPN
bjmsr-2306	316	5	j.	j.	PROPN
bjmsr-2306	316	6	(	(	PUNCT
bjmsr-2306	316	7	2015	2015	NUM
bjmsr-2306	316	8	)	)	PUNCT
bjmsr-2306	316	9	.	.	PUNCT
bjmsr-2306	317	1	irrational	irrational	ADJ
bjmsr-2306	317	2	exuberance	exuberance	NOUN
bjmsr-2306	317	3	revised	revise	VERB
bjmsr-2306	317	4	and	and	CCONJ
bjmsr-2306	317	5	expanded	expand	VERB
bjmsr-2306	317	6	third	third	ADJ
bjmsr-2306	317	7	edition	edition	NOUN
bjmsr-2306	317	8	.	.	PUNCT
bjmsr-2306	318	1	princeton	princeton	PROPN
bjmsr-2306	318	2	,	,	PUNCT
bjmsr-2306	318	3	nj	nj	PROPN
bjmsr-2306	318	4	:	:	PUNCT
bjmsr-2306	318	5	princeton	princeton	PROPN
bjmsr-2306	318	6	university	university	PROPN
bjmsr-2306	318	7	press	press	NOUN
bjmsr-2306	318	8	.	.	PUNCT
bjmsr-2306	319	1	https://doi.org/10.2307/j.ctt1287kz5	https://doi.org/10.2307/j.ctt1287kz5	PROPN
bjmsr-2306	319	2	simon	simon	PROPN
bjmsr-2306	319	3	,	,	PUNCT
bjmsr-2306	319	4	h.	h.	PROPN
bjmsr-2306	319	5	a.	a.	PROPN
bjmsr-2306	319	6	(	(	PUNCT
bjmsr-2306	319	7	1979	1979	NUM
bjmsr-2306	319	8	)	)	PUNCT
bjmsr-2306	319	9	.	.	PUNCT
bjmsr-2306	320	1	rational	rational	ADJ
bjmsr-2306	320	2	decision	decision	NOUN
bjmsr-2306	320	3	-	-	PUNCT
bjmsr-2306	320	4	making	making	NOUN
bjmsr-2306	320	5	in	in	ADP
bjmsr-2306	320	6	business	business	NOUN
bjmsr-2306	320	7	organizations	organization	NOUN
bjmsr-2306	320	8	.	.	PUNCT
bjmsr-2306	321	1	the	the	DET
bjmsr-2306	321	2	american	american	PROPN
bjmsr-2306	321	3	economic	economic	PROPN
bjmsr-2306	321	4	review	review	PROPN
bjmsr-2306	321	5	,	,	PUNCT
bjmsr-2306	321	6	69(4	69(4	NOUN
bjmsr-2306	321	7	)	)	PUNCT
bjmsr-2306	321	8	,	,	PUNCT
bjmsr-2306	321	9	493	493	NUM
bjmsr-2306	321	10	–	–	PUNCT
bjmsr-2306	321	11	513	513	NUM
bjmsr-2306	321	12	.	.	PUNCT
bjmsr-2306	321	13	retrieved	retrieve	VERB
bjmsr-2306	321	14	from	from	ADP
bjmsr-2306	321	15	https://www.jstor.org/stable/1808698	https://www.jstor.org/stable/1808698	PROPN
bjmsr-2306	321	16	venkatesh	venkatesh	PROPN
bjmsr-2306	321	17	,	,	PUNCT
bjmsr-2306	321	18	v.	v.	PROPN
bjmsr-2306	321	19	,	,	PUNCT
bjmsr-2306	321	20	morris	morris	PROPN
bjmsr-2306	321	21	,	,	PUNCT
bjmsr-2306	321	22	m.	m.	NOUN
bjmsr-2306	321	23	g.	g.	PROPN
bjmsr-2306	321	24	,	,	PUNCT
bjmsr-2306	321	25	davis	davis	PROPN
bjmsr-2306	321	26	,	,	PUNCT
bjmsr-2306	321	27	g.	g.	PROPN
bjmsr-2306	321	28	b.	b.	PROPN
bjmsr-2306	321	29	,	,	PUNCT
bjmsr-2306	321	30	&	&	CCONJ
bjmsr-2306	321	31	davis	davis	PROPN
bjmsr-2306	321	32	,	,	PUNCT
bjmsr-2306	321	33	f.	f.	PROPN
bjmsr-2306	321	34	d.	d.	PROPN
bjmsr-2306	321	35	(	(	PUNCT
bjmsr-2306	321	36	2003	2003	NUM
bjmsr-2306	321	37	)	)	PUNCT
bjmsr-2306	321	38	.	.	PUNCT
bjmsr-2306	322	1	user	user	NOUN
bjmsr-2306	322	2	acceptance	acceptance	NOUN
bjmsr-2306	322	3	of	of	ADP
bjmsr-2306	322	4	information	information	NOUN
bjmsr-2306	322	5	technology	technology	NOUN
bjmsr-2306	322	6	:	:	PUNCT
bjmsr-2306	322	7	toward	toward	ADP
bjmsr-2306	322	8	a	a	DET
bjmsr-2306	322	9	unified	unified	ADJ
bjmsr-2306	322	10	view	view	NOUN
bjmsr-2306	322	11	.	.	PUNCT
bjmsr-2306	323	1	mis	mis	PROPN
bjmsr-2306	323	2	quarterly	quarterly	PROPN
bjmsr-2306	323	3	,	,	PUNCT
bjmsr-2306	323	4	425	425	NUM
bjmsr-2306	323	5	-	-	SYM
bjmsr-2306	323	6	478	478	NUM
bjmsr-2306	323	7	.	.	PUNCT
bjmsr-2306	323	8	https://doi.org/10.2307/30036540	https://doi.org/10.2307/30036540	PROPN
bjmsr-2306	324	1	yuan	yuan	PROPN
bjmsr-2306	324	2	,	,	PUNCT
bjmsr-2306	324	3	z.	z.	PROPN
bjmsr-2306	324	4	,	,	PUNCT
bjmsr-2306	324	5	hou	hou	PROPN
bjmsr-2306	324	6	,	,	PUNCT
bjmsr-2306	324	7	l.	l.	PROPN
bjmsr-2306	324	8	,	,	PUNCT
bjmsr-2306	324	9	zhou	zhou	PROPN
bjmsr-2306	324	10	,	,	PUNCT
bjmsr-2306	324	11	z.	z.	PROPN
bjmsr-2306	324	12	,	,	PUNCT
bjmsr-2306	324	13	&	&	CCONJ
bjmsr-2306	324	14	sun	sun	PROPN
bjmsr-2306	324	15	,	,	PUNCT
bjmsr-2306	324	16	y.	y.	PROPN
bjmsr-2306	324	17	(	(	PUNCT
bjmsr-2306	324	18	2022	2022	NUM
bjmsr-2306	324	19	)	)	PUNCT
bjmsr-2306	324	20	.	.	PUNCT
bjmsr-2306	325	1	the	the	DET
bjmsr-2306	325	2	impact	impact	NOUN
bjmsr-2306	325	3	of	of	ADP
bjmsr-2306	325	4	accounting	accounting	NOUN
bjmsr-2306	325	5	information	information	NOUN
bjmsr-2306	325	6	quality	quality	NOUN
bjmsr-2306	325	7	on	on	ADP
bjmsr-2306	325	8	corporate	corporate	ADJ
bjmsr-2306	325	9	labor	labor	NOUN
bjmsr-2306	325	10	investment	investment	NOUN
bjmsr-2306	325	11	efficiency	efficiency	NOUN
bjmsr-2306	325	12	:	:	PUNCT
bjmsr-2306	325	13	evidence	evidence	NOUN
bjmsr-2306	325	14	from	from	ADP
bjmsr-2306	325	15	china	china	PROPN
bjmsr-2306	325	16	.	.	PUNCT
bjmsr-2306	326	1	journal	journal	PROPN
bjmsr-2306	326	2	of	of	ADP
bjmsr-2306	326	3	systems	system	NOUN
bjmsr-2306	326	4	science	science	NOUN
bjmsr-2306	326	5	and	and	CCONJ
bjmsr-2306	326	6	systems	system	NOUN
bjmsr-2306	326	7	engineering	engineering	NOUN
bjmsr-2306	326	8	,	,	PUNCT
bjmsr-2306	326	9	31(5	31(5	NUM
bjmsr-2306	326	10	)	)	PUNCT
bjmsr-2306	326	11	,	,	PUNCT
bjmsr-2306	326	12	594–618	594–618	NUM
bjmsr-2306	326	13	.	.	PUNCT
bjmsr-2306	327	1	https://doi.org/10.1007/s11518-022-5537-5	https://doi.org/10.1007/s11518-022-5537-5	NUM
bjmsr-2306	327	2	yusoh	yusoh	NOUN
bjmsr-2306	327	3	,	,	PUNCT
bjmsr-2306	327	4	n.	n.	PROPN
bjmsr-2306	327	5	n.	n.	PROPN
bjmsr-2306	327	6	a.	a.	NOUN
bjmsr-2306	327	7	m.	m.	PROPN
bjmsr-2306	327	8	,	,	PUNCT
bjmsr-2306	327	9	mat	mat	NOUN
bjmsr-2306	327	10	,	,	PUNCT
bjmsr-2306	327	11	t.	t.	PROPN
bjmsr-2306	327	12	z.	z.	PROPN
bjmsr-2306	327	13	t.	t.	PROPN
bjmsr-2306	327	14	,	,	PUNCT
bjmsr-2306	327	15	&	&	CCONJ
bjmsr-2306	327	16	abdullah	abdullah	PROPN
bjmsr-2306	327	17	,	,	PUNCT
bjmsr-2306	327	18	a.	a.	NOUN
bjmsr-2306	327	19	(	(	PUNCT
bjmsr-2306	327	20	2024	2024	NUM
bjmsr-2306	327	21	)	)	PUNCT
bjmsr-2306	327	22	.	.	PUNCT
bjmsr-2306	328	1	the	the	DET
bjmsr-2306	328	2	impacts	impact	NOUN
bjmsr-2306	328	3	of	of	ADP
bjmsr-2306	328	4	environmental	environmental	ADJ
bjmsr-2306	328	5	management	management	NOUN
bjmsr-2306	328	6	accounting	accounting	NOUN
bjmsr-2306	328	7	system	system	NOUN
bjmsr-2306	328	8	(	(	PUNCT
bjmsr-2306	328	9	emas	emas	PROPN
bjmsr-2306	328	10	)	)	PUNCT
bjmsr-2306	328	11	adoption	adoption	NOUN
bjmsr-2306	328	12	phases	phase	NOUN
bjmsr-2306	328	13	on	on	ADP
bjmsr-2306	328	14	sustainability	sustainability	NOUN
bjmsr-2306	328	15	performance	performance	NOUN
bjmsr-2306	328	16	:	:	PUNCT
bjmsr-2306	328	17	a	a	DET
bjmsr-2306	328	18	social	social	ADJ
bjmsr-2306	328	19	issue	issue	NOUN
bjmsr-2306	328	20	life	life	NOUN
bjmsr-2306	328	21	cycle	cycle	NOUN
bjmsr-2306	328	22	theory	theory	NOUN
bjmsr-2306	328	23	approach	approach	NOUN
bjmsr-2306	328	24	.	.	PUNCT
bjmsr-2306	329	1	bangladesh	bangladesh	PROPN
bjmsr-2306	329	2	journal	journal	PROPN
bjmsr-2306	329	3	of	of	ADP
bjmsr-2306	329	4	multidisciplinary	multidisciplinary	ADJ
bjmsr-2306	329	5	scientific	scientific	ADJ
bjmsr-2306	329	6	research	research	NOUN
bjmsr-2306	329	7	,	,	PUNCT
bjmsr-2306	329	8	9(4	9(4	NUM
bjmsr-2306	329	9	)	)	PUNCT
bjmsr-2306	329	10	,	,	PUNCT
bjmsr-2306	329	11	25	25	NUM
bjmsr-2306	329	12	-	-	SYM
bjmsr-2306	329	13	38	38	NUM
bjmsr-2306	329	14	.	.	PUNCT
bjmsr-2306	330	1	https://doi.org/10.46281/bjmsr.v9i4.2245	https://doi.org/10.46281/bjmsr.v9i4.2245	PROPN
bjmsr-2306	330	2	zavolokina	zavolokina	PROPN
bjmsr-2306	330	3	,	,	PUNCT
bjmsr-2306	330	4	l.	l.	PROPN
bjmsr-2306	330	5	,	,	PUNCT
bjmsr-2306	330	6	dolata	dolata	PROPN
bjmsr-2306	330	7	,	,	PUNCT
bjmsr-2306	330	8	m.	m.	NOUN
bjmsr-2306	330	9	,	,	PUNCT
bjmsr-2306	330	10	&	&	CCONJ
bjmsr-2306	330	11	schwabe	schwabe	PROPN
bjmsr-2306	330	12	,	,	PUNCT
bjmsr-2306	330	13	g.	g.	PROPN
bjmsr-2306	330	14	(	(	PUNCT
bjmsr-2306	330	15	2016	2016	NUM
bjmsr-2306	330	16	)	)	PUNCT
bjmsr-2306	330	17	.	.	PUNCT
bjmsr-2306	331	1	the	the	DET
bjmsr-2306	331	2	fintech	fintech	NOUN
bjmsr-2306	331	3	phenomenon	phenomenon	NOUN
bjmsr-2306	331	4	:	:	PUNCT
bjmsr-2306	331	5	antecedents	antecedent	NOUN
bjmsr-2306	331	6	of	of	ADP
bjmsr-2306	331	7	financial	financial	ADJ
bjmsr-2306	331	8	innovation	innovation	NOUN
bjmsr-2306	331	9	perceived	perceive	VERB
bjmsr-2306	331	10	by	by	ADP
bjmsr-2306	331	11	the	the	DET
bjmsr-2306	331	12	popular	popular	ADJ
bjmsr-2306	331	13	press	press	NOUN
bjmsr-2306	331	14	.	.	PUNCT
bjmsr-2306	332	1	financial	financial	ADJ
bjmsr-2306	332	2	innovation	innovation	NOUN
bjmsr-2306	332	3	,	,	PUNCT
bjmsr-2306	332	4	2	2	NUM
bjmsr-2306	332	5	,	,	PUNCT
bjmsr-2306	332	6	1	1	NUM
bjmsr-2306	332	7	-	-	SYM
bjmsr-2306	332	8	16	16	NUM
bjmsr-2306	332	9	.	.	PUNCT
bjmsr-2306	333	1	https://doi.org/10.1186/s40854-016-0036-7	https://doi.org/10.1186/s40854-016-0036-7	PROPN
bjmsr-2306	334	1	zhang	zhang	PROPN
bjmsr-2306	334	2	,	,	PUNCT
bjmsr-2306	334	3	r.	r.	PROPN
bjmsr-2306	334	4	(	(	PUNCT
bjmsr-2306	334	5	2025	2025	NUM
bjmsr-2306	334	6	)	)	PUNCT
bjmsr-2306	334	7	.	.	PUNCT
bjmsr-2306	335	1	the	the	DET
bjmsr-2306	335	2	impact	impact	NOUN
bjmsr-2306	335	3	of	of	ADP
bjmsr-2306	335	4	fintech	fintech	NOUN
bjmsr-2306	335	5	innovation	innovation	NOUN
bjmsr-2306	335	6	on	on	ADP
bjmsr-2306	335	7	investor	investor	NOUN
bjmsr-2306	335	8	behavior	behavior	NOUN
bjmsr-2306	335	9	from	from	ADP
bjmsr-2306	335	10	the	the	DET
bjmsr-2306	335	11	perspective	perspective	NOUN
bjmsr-2306	335	12	of	of	ADP
bjmsr-2306	335	13	behavioral	behavioral	ADJ
bjmsr-2306	335	14	finance	finance	NOUN
bjmsr-2306	335	15	.	.	PUNCT
bjmsr-2306	336	1	advances	advance	NOUN
bjmsr-2306	336	2	in	in	ADP
bjmsr-2306	336	3	economics	economic	NOUN
bjmsr-2306	336	4	,	,	PUNCT
bjmsr-2306	336	5	management	management	NOUN
bjmsr-2306	336	6	,	,	PUNCT
bjmsr-2306	336	7	and	and	CCONJ
bjmsr-2306	336	8	political	political	ADJ
bjmsr-2306	336	9	sciences	science	NOUN
bjmsr-2306	336	10	,	,	PUNCT
bjmsr-2306	336	11	138	138	NUM
bjmsr-2306	336	12	,	,	PUNCT
bjmsr-2306	336	13	47–53	47–53	NUM
bjmsr-2306	336	14	.	.	PUNCT
bjmsr-2306	337	1	https://dx.doi.org/10.54254/27541169/2024.19205	https://dx.doi.org/10.54254/27541169/2024.19205	PROPN
bjmsr-2306	337	2	publisher	publisher	PROPN
bjmsr-2306	337	3	’s	’s	PART
bjmsr-2306	337	4	note	note	NOUN
bjmsr-2306	337	5	:	:	PUNCT
bjmsr-2306	337	6	cribfb	cribfb	PROPN
bjmsr-2306	337	7	stays	stay	VERB
bjmsr-2306	337	8	neutral	neutral	ADJ
bjmsr-2306	337	9	with	with	ADP
bjmsr-2306	337	10	regard	regard	NOUN
bjmsr-2306	337	11	to	to	ADP
bjmsr-2306	337	12	jurisdictional	jurisdictional	ADJ
bjmsr-2306	337	13	claims	claim	NOUN
bjmsr-2306	337	14	in	in	ADP
bjmsr-2306	337	15	published	publish	VERB
bjmsr-2306	337	16	maps	map	NOUN
bjmsr-2306	337	17	and	and	CCONJ
bjmsr-2306	337	18	institutional	institutional	ADJ
bjmsr-2306	337	19	affiliations	affiliation	NOUN
bjmsr-2306	337	20	.	.	PUNCT
bjmsr-2306	338	1	©	©	PROPN
bjmsr-2306	338	2	2025	2025	NUM
bjmsr-2306	338	3	by	by	ADP
bjmsr-2306	338	4	the	the	DET
bjmsr-2306	338	5	authors	author	NOUN
bjmsr-2306	338	6	.	.	PUNCT
bjmsr-2306	339	1	licensee	licensee	PROPN
bjmsr-2306	339	2	cribfb	cribfb	PROPN
bjmsr-2306	339	3	,	,	PUNCT
bjmsr-2306	339	4	usa	usa	PROPN
bjmsr-2306	339	5	.	.	PROPN
bjmsr-2306	340	1	this	this	DET
bjmsr-2306	340	2	open	open	ADJ
bjmsr-2306	340	3	-	-	PUNCT
bjmsr-2306	340	4	access	access	NOUN
bjmsr-2306	340	5	article	article	NOUN
bjmsr-2306	340	6	is	be	AUX
bjmsr-2306	340	7	distributed	distribute	VERB
bjmsr-2306	340	8	under	under	ADP
bjmsr-2306	340	9	the	the	DET
bjmsr-2306	340	10	terms	term	NOUN
bjmsr-2306	340	11	and	and	CCONJ
bjmsr-2306	340	12	conditions	condition	NOUN
bjmsr-2306	340	13	of	of	ADP
bjmsr-2306	340	14	the	the	DET
bjmsr-2306	340	15	creative	creative	ADJ
bjmsr-2306	340	16	commons	common	NOUN
bjmsr-2306	340	17	attribution	attribution	NOUN
bjmsr-2306	340	18	(	(	PUNCT
bjmsr-2306	340	19	cc	cc	NOUN
bjmsr-2306	340	20	by	by	ADP
bjmsr-2306	340	21	)	)	PUNCT
bjmsr-2306	340	22	license	license	NOUN
bjmsr-2306	340	23	(	(	PUNCT
bjmsr-2306	340	24	http://creativecommons.org/licenses/by/4.0	http://creativecommons.org/licenses/by/4.0	NOUN
bjmsr-2306	340	25	)	)	PUNCT
bjmsr-2306	340	26	.	.	PUNCT
bjmsr-2306	341	1	bangladesh	bangladesh	PROPN
bjmsr-2306	341	2	journal	journal	PROPN
bjmsr-2306	341	3	of	of	ADP
bjmsr-2306	341	4	multidisciplinary	multidisciplinary	ADJ
bjmsr-2306	341	5	scientific	scientific	ADJ
bjmsr-2306	341	6	research	research	NOUN
bjmsr-2306	341	7	(	(	PUNCT
bjmsr-2306	341	8	p	p	NOUN
bjmsr-2306	341	9	-	-	PUNCT
bjmsr-2306	341	10	issn	issn	PROPN
bjmsr-2306	341	11	2687	2687	NUM
bjmsr-2306	341	12	-	-	PUNCT
bjmsr-2306	341	13	850x	850x	NUM
bjmsr-2306	341	14	e	e	NOUN
bjmsr-2306	341	15	-	-	PROPN
bjmsr-2306	341	16	issn	issn	PROPN
bjmsr-2306	341	17	2687	2687	NUM
bjmsr-2306	341	18	-	-	SYM
bjmsr-2306	341	19	8518	8518	NUM
bjmsr-2306	341	20	)	)	PUNCT
bjmsr-2306	341	21	by	by	ADP
bjmsr-2306	341	22	cribfb	cribfb	PROPN
bjmsr-2306	341	23	is	be	AUX
bjmsr-2306	341	24	licensed	license	VERB
bjmsr-2306	341	25	under	under	ADP
bjmsr-2306	341	26	a	a	DET
bjmsr-2306	341	27	creative	creative	ADJ
bjmsr-2306	341	28	commons	common	NOUN
bjmsr-2306	341	29	attribution	attribution	NOUN
bjmsr-2306	341	30	4.0	4.0	NUM
bjmsr-2306	341	31	international	international	ADJ
bjmsr-2306	341	32	license	license	NOUN
bjmsr-2306	341	33	.	.	PUNCT
bjmsr-2306	342	1	https://doi.org/10.1111/j.1745-6606.2010.01170.x	https://doi.org/10.1111/j.1745-6606.2010.01170.x	PROPN
bjmsr-2306	342	2	https://doi.org/10.2307/1914185	https://doi.org/10.2307/1914185	NOUN
bjmsr-2306	343	1	https://documents.worldbank.org/curated/en/144551502300810101	https://documents.worldbank.org/curated/en/144551502300810101	PROPN
bjmsr-2306	343	2	https://doi.org/10.1186/s40854-024-00668-6	https://doi.org/10.1186/s40854-024-00668-6	NUM
bjmsr-2306	343	3	https://dl.icdst.org/pdfs/files4/befc0f8521c770249dd18726a917cf90.pdf	https://dl.icdst.org/pdfs/files4/befc0f8521c770249dd18726a917cf90.pdf	NOUN
bjmsr-2306	343	4	https://doi.org/10.1111/0022-1082.00078	https://doi.org/10.1111/0022-1082.00078	PROPN
bjmsr-2306	343	5	https://doi.org/10.2307/j.ctt1287kz5	https://doi.org/10.2307/j.ctt1287kz5	PROPN
bjmsr-2306	343	6	http://dx.doi.org/10.54254/2754-1169/2024.19205	http://dx.doi.org/10.54254/2754-1169/2024.19205	PROPN
bjmsr-2306	343	7	http://dx.doi.org/10.54254/2754-1169/2024.19205	http://dx.doi.org/10.54254/2754-1169/2024.19205	PROPN
bjmsr-2306	343	8	http://creativecommons.org/licenses/by/4.0	http://creativecommons.org/licenses/by/4.0	PROPN
bjmsr-2306	343	9	)	)	PUNCT
bjmsr-2306	343	10	.	.	PUNCT
bjmsr-2306	344	1	http://creativecommons.org/licenses/by/4.0/	http://creativecommons.org/licenses/by/4.0/	PROPN
bjmsr-2306	344	2	http://creativecommons.org/licenses/by/4.0/	http://creativecommons.org/licenses/by/4.0/	PROPN
bjmsr-2306	344	3	http://creativecommons.org/licenses/by/4.0/	http://creativecommons.org/licenses/by/4.0/	PROPN