id	sid	tid	token	lemma	pos
bjmsr-2475	1	1	bangladesh	bangladesh	PROPN
bjmsr-2475	1	2	journal	journal	PROPN
bjmsr-2475	1	3	of	of	ADP
bjmsr-2475	1	4	multidisciplinary	multidisciplinary	ADJ
bjmsr-2475	1	5	scientific	scientific	ADJ
bjmsr-2475	1	6	research	research	NOUN
bjmsr-2475	1	7	10(5	10(5	NOUN
bjmsr-2475	1	8	)	)	PUNCT
bjmsr-2475	1	9	(	(	PUNCT
bjmsr-2475	1	10	2025	2025	NUM
bjmsr-2475	1	11	)	)	PUNCT
bjmsr-2475	1	12	,	,	PUNCT
bjmsr-2475	1	13	46	46	NUM
bjmsr-2475	1	14	-	-	SYM
bjmsr-2475	1	15	55	55	NUM
bjmsr-2475	1	16	46	46	NUM
bjmsr-2475	1	17	multidisciplinary	multidisciplinary	ADJ
bjmsr-2475	1	18	scientific	scientific	ADJ
bjmsr-2475	1	19	research	research	NOUN
bjmsr-2475	1	20	bjmsr	bjmsr	NOUN
bjmsr-2475	1	21	vol	vol	VERB
bjmsr-2475	1	22	10	10	NUM
bjmsr-2475	1	23	no	no	DET
bjmsr-2475	1	24	5	5	NUM
bjmsr-2475	1	25	(	(	PUNCT
bjmsr-2475	1	26	2025	2025	NUM
bjmsr-2475	1	27	)	)	PUNCT
bjmsr-2475	1	28	p	p	X
bjmsr-2475	1	29	-	-	PUNCT
bjmsr-2475	1	30	issn	issn	PROPN
bjmsr-2475	1	31	2687	2687	NUM
bjmsr-2475	1	32	-	-	PUNCT
bjmsr-2475	1	33	850x	850x	NUM
bjmsr-2475	1	34	e	e	NOUN
bjmsr-2475	1	35	-	-	PROPN
bjmsr-2475	1	36	issn	issn	PROPN
bjmsr-2475	1	37	2687	2687	NUM
bjmsr-2475	1	38	-	-	SYM
bjmsr-2475	1	39	8518	8518	NUM
bjmsr-2475	1	40	available	available	ADJ
bjmsr-2475	1	41	online	online	ADV
bjmsr-2475	1	42	at	at	ADP
bjmsr-2475	1	43	https://www.cribfb.com	https://www.cribfb.com	X
bjmsr-2475	1	44	journal	journal	PROPN
bjmsr-2475	1	45	homepage	homepage	NOUN
bjmsr-2475	1	46	:	:	PUNCT
bjmsr-2475	1	47	https://www.cribfb.com/journal/index.php/bjmsr	https://www.cribfb.com/journal/index.php/bjmsr	NOUN
bjmsr-2475	1	48	published	publish	VERB
bjmsr-2475	1	49	by	by	ADP
bjmsr-2475	1	50	cribfb	cribfb	PROPN
bjmsr-2475	1	51	,	,	PUNCT
bjmsr-2475	1	52	usa	usa	PROPN
bjmsr-2475	1	53	cryptocurrency	cryptocurrency	NOUN
bjmsr-2475	1	54	adoption	adoption	NOUN
bjmsr-2475	1	55	enhances	enhance	VERB
bjmsr-2475	1	56	financial	financial	ADJ
bjmsr-2475	1	57	inclusion	inclusion	NOUN
bjmsr-2475	1	58	mediated	mediate	VERB
bjmsr-2475	1	59	by	by	ADP
bjmsr-2475	1	60	user	user	NOUN
bjmsr-2475	1	61	satisfaction	satisfaction	NOUN
bjmsr-2475	1	62	and	and	CCONJ
bjmsr-2475	1	63	perceived	perceive	VERB
bjmsr-2475	1	64	economic	economic	ADJ
bjmsr-2475	1	65	empowerment	empowerment	NOUN
bjmsr-2475	1	66	in	in	ADP
bjmsr-2475	1	67	indonesia	indonesia	PROPN
bjmsr-2475	1	68	ossi	ossi	PROPN
bjmsr-2475	1	69	ferli	ferli	ADJ
bjmsr-2475	1	70	(	(	PUNCT
bjmsr-2475	2	1	a)1	a)1	PROPN
bjmsr-2475	2	2	dylan	dylan	PROPN
bjmsr-2475	2	3	gonardo	gonardo	PROPN
bjmsr-2475	2	4	(	(	PUNCT
bjmsr-2475	2	5	b	b	X
bjmsr-2475	2	6	)	)	PUNCT
bjmsr-2475	2	7	gabriel	gabriel	PROPN
bjmsr-2475	2	8	radja	radja	PROPN
bjmsr-2475	2	9	dava	dava	PROPN
bjmsr-2475	2	10	(	(	PUNCT
bjmsr-2475	2	11	c	c	X
bjmsr-2475	2	12	)	)	PUNCT
bjmsr-2475	2	13	muhammad	muhammad	PROPN
bjmsr-2475	2	14	yasin	yasin	PROPN
bjmsr-2475	2	15	(	(	PUNCT
bjmsr-2475	2	16	d	d	NOUN
bjmsr-2475	2	17	)	)	PUNCT
bjmsr-2475	2	18	(	(	PUNCT
bjmsr-2475	2	19	a	a	X
bjmsr-2475	2	20	)	)	PUNCT
bjmsr-2475	2	21	professor	professor	NOUN
bjmsr-2475	2	22	,	,	PUNCT
bjmsr-2475	2	23	management	management	NOUN
bjmsr-2475	2	24	study	study	NOUN
bjmsr-2475	2	25	program	program	NOUN
bjmsr-2475	2	26	,	,	PUNCT
bjmsr-2475	2	27	stie	stie	PROPN
bjmsr-2475	2	28	indonesia	indonesia	PROPN
bjmsr-2475	2	29	banking	banking	PROPN
bjmsr-2475	2	30	school	school	PROPN
bjmsr-2475	2	31	,	,	PUNCT
bjmsr-2475	2	32	jakarta	jakarta	PROPN
bjmsr-2475	2	33	,	,	PUNCT
bjmsr-2475	2	34	indonesia	indonesia	PROPN
bjmsr-2475	2	35	;	;	PUNCT
bjmsr-2475	2	36	e	e	X
bjmsr-2475	2	37	-	-	NOUN
bjmsr-2475	2	38	mail	mail	NOUN
bjmsr-2475	2	39	:	:	PUNCT
bjmsr-2475	2	40	ossi.ferli@ibs.ac.id	ossi.ferli@ibs.ac.id	PROPN
bjmsr-2475	2	41	(	(	PUNCT
bjmsr-2475	2	42	b	b	NOUN
bjmsr-2475	2	43	)	)	PUNCT
bjmsr-2475	2	44	student	student	NOUN
bjmsr-2475	2	45	,	,	PUNCT
bjmsr-2475	2	46	management	management	NOUN
bjmsr-2475	2	47	study	study	NOUN
bjmsr-2475	2	48	program	program	NOUN
bjmsr-2475	2	49	,	,	PUNCT
bjmsr-2475	2	50	stie	stie	PROPN
bjmsr-2475	2	51	indonesia	indonesia	PROPN
bjmsr-2475	2	52	banking	banking	PROPN
bjmsr-2475	2	53	school	school	PROPN
bjmsr-2475	2	54	,	,	PUNCT
bjmsr-2475	2	55	jakarta	jakarta	PROPN
bjmsr-2475	2	56	,	,	PUNCT
bjmsr-2475	2	57	indonesia	indonesia	PROPN
bjmsr-2475	2	58	;	;	PUNCT
bjmsr-2475	2	59	e	e	X
bjmsr-2475	2	60	-	-	NOUN
bjmsr-2475	2	61	mail	mail	NOUN
bjmsr-2475	2	62	:	:	PUNCT
bjmsr-2475	3	1	dylan.20221111058@ibs.ac.id	dylan.20221111058@ibs.ac.id	NOUN
bjmsr-2475	3	2	(	(	PUNCT
bjmsr-2475	3	3	c	c	NOUN
bjmsr-2475	3	4	)	)	PUNCT
bjmsr-2475	3	5	student	student	NOUN
bjmsr-2475	3	6	,	,	PUNCT
bjmsr-2475	3	7	management	management	NOUN
bjmsr-2475	3	8	study	study	NOUN
bjmsr-2475	3	9	program	program	NOUN
bjmsr-2475	3	10	,	,	PUNCT
bjmsr-2475	3	11	stie	stie	PROPN
bjmsr-2475	3	12	indonesia	indonesia	PROPN
bjmsr-2475	3	13	banking	banking	PROPN
bjmsr-2475	3	14	school	school	PROPN
bjmsr-2475	3	15	,	,	PUNCT
bjmsr-2475	3	16	jakarta	jakarta	PROPN
bjmsr-2475	3	17	,	,	PUNCT
bjmsr-2475	3	18	indonesia	indonesia	PROPN
bjmsr-2475	3	19	;	;	PUNCT
bjmsr-2475	3	20	e	e	X
bjmsr-2475	3	21	-	-	NOUN
bjmsr-2475	3	22	mail	mail	NOUN
bjmsr-2475	3	23	:	:	PUNCT
bjmsr-2475	3	24	gabriel.20221111017@ibs.ac.idm	gabriel.20221111017@ibs.ac.idm	NOUN
bjmsr-2475	3	25	(	(	PUNCT
bjmsr-2475	3	26	d	d	NOUN
bjmsr-2475	3	27	)	)	PUNCT
bjmsr-2475	3	28	student	student	NOUN
bjmsr-2475	3	29	,	,	PUNCT
bjmsr-2475	3	30	management	management	NOUN
bjmsr-2475	3	31	study	study	NOUN
bjmsr-2475	3	32	program	program	NOUN
bjmsr-2475	3	33	,	,	PUNCT
bjmsr-2475	3	34	stie	stie	PROPN
bjmsr-2475	3	35	indonesia	indonesia	PROPN
bjmsr-2475	3	36	banking	banking	PROPN
bjmsr-2475	3	37	school	school	PROPN
bjmsr-2475	3	38	,	,	PUNCT
bjmsr-2475	3	39	jakarta	jakarta	PROPN
bjmsr-2475	3	40	,	,	PUNCT
bjmsr-2475	3	41	indonesia	indonesia	PROPN
bjmsr-2475	3	42	;	;	PUNCT
bjmsr-2475	3	43	e	e	X
bjmsr-2475	3	44	-	-	NOUN
bjmsr-2475	3	45	mail	mail	NOUN
bjmsr-2475	3	46	:	:	PUNCT
bjmsr-2475	3	47	muhammad.20221111050@ibs.ac.id	muhammad.20221111050@ibs.ac.id	PROPN
bjmsr-2475	3	48	a	a	PRON
bjmsr-2475	3	49	r	r	NOUN
bjmsr-2475	3	50	t	t	NOUN
bjmsr-2475	4	1	i	i	PRON
bjmsr-2475	4	2	c	c	NOUN
bjmsr-2475	4	3	l	l	NOUN
bjmsr-2475	4	4	e	e	NOUN
bjmsr-2475	5	1	i	i	PRON
bjmsr-2475	5	2	n	n	VERB
bjmsr-2475	5	3	f	f	NOUN
bjmsr-2475	5	4	o	o	NOUN
bjmsr-2475	5	5	article	article	NOUN
bjmsr-2475	5	6	history	history	NOUN
bjmsr-2475	5	7	:	:	PUNCT
bjmsr-2475	5	8	received	receive	VERB
bjmsr-2475	5	9	:	:	PUNCT
bjmsr-2475	5	10	9th	9th	ADJ
bjmsr-2475	5	11	march	march	PROPN
bjmsr-2475	5	12	2025	2025	NUM
bjmsr-2475	5	13	reviewed	review	VERB
bjmsr-2475	5	14	&	&	CCONJ
bjmsr-2475	5	15	revised	revise	VERB
bjmsr-2475	5	16	:	:	PUNCT
bjmsr-2475	5	17	9th	9th	ADJ
bjmsr-2475	5	18	march	march	NOUN
bjmsr-2475	5	19	2025	2025	NUM
bjmsr-2475	5	20	to	to	ADP
bjmsr-2475	5	21	15th	15th	ADJ
bjmsr-2475	5	22	august	august	PROPN
bjmsr-2475	5	23	2025	2025	NUM
bjmsr-2475	5	24	accepted	accept	VERB
bjmsr-2475	5	25	:	:	PUNCT
bjmsr-2475	5	26	20th	20th	ADJ
bjmsr-2475	5	27	august	august	PROPN
bjmsr-2475	5	28	2025	2025	NUM
bjmsr-2475	5	29	published	publish	VERB
bjmsr-2475	5	30	:	:	PUNCT
bjmsr-2475	5	31	25th	25th	ADJ
bjmsr-2475	5	32	august	august	PROPN
bjmsr-2475	5	33	2025	2025	NUM
bjmsr-2475	5	34	keywords	keyword	NOUN
bjmsr-2475	5	35	:	:	PUNCT
bjmsr-2475	5	36	cryptocurrency	cryptocurrency	NOUN
bjmsr-2475	5	37	,	,	PUNCT
bjmsr-2475	5	38	investor	investor	NOUN
bjmsr-2475	5	39	,	,	PUNCT
bjmsr-2475	5	40	path	path	NOUN
bjmsr-2475	5	41	model	model	NOUN
bjmsr-2475	5	42	,	,	PUNCT
bjmsr-2475	5	43	partial	partial	ADJ
bjmsr-2475	5	44	least	least	ADJ
bjmsr-2475	5	45	squares	square	NOUN
bjmsr-2475	5	46	,	,	PUNCT
bjmsr-2475	5	47	trust	trust	NOUN
bjmsr-2475	5	48	in	in	ADP
bjmsr-2475	5	49	financial	financial	ADJ
bjmsr-2475	5	50	institutions	institution	NOUN
bjmsr-2475	5	51	jel	jel	PROPN
bjmsr-2475	5	52	classification	classification	NOUN
bjmsr-2475	5	53	codes	code	NOUN
bjmsr-2475	5	54	:	:	PUNCT
bjmsr-2475	5	55	d53	d53	PROPN
bjmsr-2475	5	56	,	,	PUNCT
bjmsr-2475	5	57	e22	e22	PROPN
bjmsr-2475	5	58	,	,	PUNCT
bjmsr-2475	5	59	e42	e42	NUM
bjmsr-2475	5	60	,	,	PUNCT
bjmsr-2475	5	61	g41	g41	NOUN
bjmsr-2475	5	62	peer	peer	NOUN
bjmsr-2475	5	63	-	-	PUNCT
bjmsr-2475	5	64	review	review	NOUN
bjmsr-2475	5	65	model	model	NOUN
bjmsr-2475	5	66	:	:	PUNCT
bjmsr-2475	5	67	external	external	ADJ
bjmsr-2475	5	68	peer	peer	NOUN
bjmsr-2475	5	69	review	review	NOUN
bjmsr-2475	5	70	was	be	AUX
bjmsr-2475	5	71	done	do	VERB
bjmsr-2475	5	72	through	through	ADP
bjmsr-2475	5	73	double	double	ADJ
bjmsr-2475	5	74	-	-	PUNCT
bjmsr-2475	5	75	blind	blind	ADJ
bjmsr-2475	5	76	method	method	NOUN
bjmsr-2475	5	77	.	.	PUNCT
bjmsr-2475	6	1	a	a	DET
bjmsr-2475	6	2	b	b	PROPN
bjmsr-2475	6	3	s	s	ADP
bjmsr-2475	6	4	t	t	PROPN
bjmsr-2475	6	5	r	r	NOUN
bjmsr-2475	6	6	a	a	DET
bjmsr-2475	6	7	c	c	NOUN
bjmsr-2475	6	8	t	t	NOUN
bjmsr-2475	6	9	financial	financial	ADJ
bjmsr-2475	6	10	inclusion	inclusion	NOUN
bjmsr-2475	6	11	remains	remain	VERB
bjmsr-2475	6	12	a	a	DET
bjmsr-2475	6	13	significant	significant	ADJ
bjmsr-2475	6	14	challenge	challenge	NOUN
bjmsr-2475	6	15	in	in	ADP
bjmsr-2475	6	16	developing	develop	VERB
bjmsr-2475	6	17	countries	country	NOUN
bjmsr-2475	6	18	,	,	PUNCT
bjmsr-2475	6	19	where	where	SCONJ
bjmsr-2475	6	20	over	over	ADP
bjmsr-2475	6	21	1.7	1.7	NUM
bjmsr-2475	6	22	billion	billion	NUM
bjmsr-2475	6	23	people	people	NOUN
bjmsr-2475	6	24	lack	lack	VERB
bjmsr-2475	6	25	access	access	NOUN
bjmsr-2475	6	26	to	to	ADP
bjmsr-2475	6	27	bank	bank	NOUN
bjmsr-2475	6	28	accounts	account	NOUN
bjmsr-2475	6	29	due	due	ADJ
bjmsr-2475	6	30	to	to	ADP
bjmsr-2475	6	31	high	high	ADJ
bjmsr-2475	6	32	costs	cost	NOUN
bjmsr-2475	6	33	,	,	PUNCT
bjmsr-2475	6	34	limited	limited	ADJ
bjmsr-2475	6	35	infrastructure	infrastructure	NOUN
bjmsr-2475	6	36	,	,	PUNCT
bjmsr-2475	6	37	and	and	CCONJ
bjmsr-2475	6	38	a	a	DET
bjmsr-2475	6	39	lack	lack	NOUN
bjmsr-2475	6	40	of	of	ADP
bjmsr-2475	6	41	formal	formal	ADJ
bjmsr-2475	6	42	identification	identification	NOUN
bjmsr-2475	6	43	.	.	PUNCT
bjmsr-2475	7	1	as	as	ADP
bjmsr-2475	7	2	a	a	DET
bjmsr-2475	7	3	result	result	NOUN
bjmsr-2475	7	4	,	,	PUNCT
bjmsr-2475	7	5	many	many	ADJ
bjmsr-2475	7	6	rely	rely	VERB
bjmsr-2475	7	7	on	on	ADP
bjmsr-2475	7	8	insecure	insecure	ADJ
bjmsr-2475	7	9	informal	informal	ADJ
bjmsr-2475	7	10	systems	system	NOUN
bjmsr-2475	7	11	,	,	PUNCT
bjmsr-2475	7	12	which	which	PRON
bjmsr-2475	7	13	results	result	VERB
bjmsr-2475	7	14	in	in	ADP
bjmsr-2475	7	15	user	user	NOUN
bjmsr-2475	7	16	dissatisfaction	dissatisfaction	NOUN
bjmsr-2475	7	17	in	in	ADP
bjmsr-2475	7	18	the	the	DET
bjmsr-2475	7	19	long	long	ADJ
bjmsr-2475	7	20	run	run	NOUN
bjmsr-2475	7	21	.	.	PUNCT
bjmsr-2475	8	1	cryptocurrencies	cryptocurrencie	NOUN
bjmsr-2475	8	2	like	like	ADP
bjmsr-2475	8	3	bitcoin	bitcoin	NOUN
bjmsr-2475	8	4	,	,	PUNCT
bjmsr-2475	8	5	powered	power	VERB
bjmsr-2475	8	6	by	by	ADP
bjmsr-2475	8	7	blockchain	blockchain	PROPN
bjmsr-2475	8	8	technology	technology	PROPN
bjmsr-2475	8	9	,	,	PUNCT
bjmsr-2475	8	10	offer	offer	VERB
bjmsr-2475	8	11	a	a	DET
bjmsr-2475	8	12	promising	promising	ADJ
bjmsr-2475	8	13	alternative	alternative	NOUN
bjmsr-2475	8	14	by	by	ADP
bjmsr-2475	8	15	enabling	enable	VERB
bjmsr-2475	8	16	fast	fast	ADJ
bjmsr-2475	8	17	,	,	PUNCT
bjmsr-2475	8	18	low	low	ADJ
bjmsr-2475	8	19	-	-	PUNCT
bjmsr-2475	8	20	cost	cost	NOUN
bjmsr-2475	8	21	,	,	PUNCT
bjmsr-2475	8	22	and	and	CCONJ
bjmsr-2475	8	23	highly	highly	ADV
bjmsr-2475	8	24	secure	secure	ADJ
bjmsr-2475	8	25	transactions	transaction	NOUN
bjmsr-2475	8	26	without	without	ADP
bjmsr-2475	8	27	the	the	DET
bjmsr-2475	8	28	need	need	NOUN
bjmsr-2475	8	29	for	for	ADP
bjmsr-2475	8	30	traditional	traditional	ADJ
bjmsr-2475	8	31	banking	banking	NOUN
bjmsr-2475	8	32	institutions	institution	NOUN
bjmsr-2475	8	33	.	.	PUNCT
bjmsr-2475	9	1	this	this	DET
bjmsr-2475	9	2	study	study	NOUN
bjmsr-2475	9	3	empirically	empirically	ADV
bjmsr-2475	9	4	investigates	investigate	VERB
bjmsr-2475	9	5	how	how	SCONJ
bjmsr-2475	9	6	cryptocurrency	cryptocurrency	NOUN
bjmsr-2475	9	7	adoption	adoption	NOUN
bjmsr-2475	9	8	can	can	AUX
bjmsr-2475	9	9	enhance	enhance	VERB
bjmsr-2475	9	10	financial	financial	ADJ
bjmsr-2475	9	11	inclusion	inclusion	NOUN
bjmsr-2475	9	12	in	in	ADP
bjmsr-2475	9	13	indonesia	indonesia	PROPN
bjmsr-2475	9	14	,	,	PUNCT
bjmsr-2475	9	15	both	both	CCONJ
bjmsr-2475	9	16	directly	directly	ADV
bjmsr-2475	9	17	and	and	CCONJ
bjmsr-2475	9	18	indirectly	indirectly	ADV
bjmsr-2475	9	19	through	through	ADP
bjmsr-2475	9	20	mediating	mediate	VERB
bjmsr-2475	9	21	factors	factor	NOUN
bjmsr-2475	9	22	such	such	ADJ
bjmsr-2475	9	23	as	as	ADP
bjmsr-2475	9	24	user	user	NOUN
bjmsr-2475	9	25	satisfaction	satisfaction	NOUN
bjmsr-2475	9	26	,	,	PUNCT
bjmsr-2475	9	27	trust	trust	NOUN
bjmsr-2475	9	28	in	in	ADP
bjmsr-2475	9	29	financial	financial	ADJ
bjmsr-2475	9	30	institutions	institution	NOUN
bjmsr-2475	9	31	,	,	PUNCT
bjmsr-2475	9	32	and	and	CCONJ
bjmsr-2475	9	33	perceived	perceive	VERB
bjmsr-2475	9	34	economic	economic	ADJ
bjmsr-2475	9	35	empowerment	empowerment	NOUN
bjmsr-2475	9	36	.	.	PUNCT
bjmsr-2475	10	1	the	the	DET
bjmsr-2475	10	2	study	study	NOUN
bjmsr-2475	10	3	explores	explore	VERB
bjmsr-2475	10	4	whether	whether	SCONJ
bjmsr-2475	10	5	cryptocurrency	cryptocurrency	NOUN
bjmsr-2475	10	6	use	use	NOUN
bjmsr-2475	10	7	fosters	foster	VERB
bjmsr-2475	10	8	financial	financial	ADJ
bjmsr-2475	10	9	autonomy	autonomy	NOUN
bjmsr-2475	10	10	,	,	PUNCT
bjmsr-2475	10	11	strengthens	strengthen	VERB
bjmsr-2475	10	12	trust	trust	NOUN
bjmsr-2475	10	13	in	in	ADP
bjmsr-2475	10	14	digital	digital	ADJ
bjmsr-2475	10	15	financial	financial	ADJ
bjmsr-2475	10	16	services	service	NOUN
bjmsr-2475	10	17	,	,	PUNCT
bjmsr-2475	10	18	and	and	CCONJ
bjmsr-2475	10	19	increases	increase	VERB
bjmsr-2475	10	20	satisfaction	satisfaction	NOUN
bjmsr-2475	10	21	with	with	ADP
bjmsr-2475	10	22	financial	financial	ADJ
bjmsr-2475	10	23	technologies	technology	NOUN
bjmsr-2475	10	24	—	—	PUNCT
bjmsr-2475	10	25	factors	factor	NOUN
bjmsr-2475	10	26	that	that	PRON
bjmsr-2475	10	27	may	may	AUX
bjmsr-2475	10	28	encourage	encourage	VERB
bjmsr-2475	10	29	broader	broad	ADJ
bjmsr-2475	10	30	participation	participation	NOUN
bjmsr-2475	10	31	in	in	ADP
bjmsr-2475	10	32	the	the	DET
bjmsr-2475	10	33	formal	formal	ADJ
bjmsr-2475	10	34	financial	financial	ADJ
bjmsr-2475	10	35	system	system	NOUN
bjmsr-2475	10	36	.	.	PUNCT
bjmsr-2475	11	1	data	datum	NOUN
bjmsr-2475	11	2	were	be	AUX
bjmsr-2475	11	3	collected	collect	VERB
bjmsr-2475	11	4	through	through	ADP
bjmsr-2475	11	5	a	a	DET
bjmsr-2475	11	6	google	google	NOUN
bjmsr-2475	11	7	form	form	NOUN
bjmsr-2475	11	8	survey	survey	NOUN
bjmsr-2475	11	9	involving	involve	VERB
bjmsr-2475	11	10	147	147	NUM
bjmsr-2475	11	11	respondents	respondent	NOUN
bjmsr-2475	11	12	,	,	PUNCT
bjmsr-2475	11	13	indonesian	indonesian	ADJ
bjmsr-2475	11	14	cryptocurrency	cryptocurrency	NOUN
bjmsr-2475	11	15	investors	investor	NOUN
bjmsr-2475	11	16	.	.	PUNCT
bjmsr-2475	12	1	using	use	VERB
bjmsr-2475	12	2	partial	partial	ADJ
bjmsr-2475	12	3	least	least	ADJ
bjmsr-2475	12	4	squares	square	NOUN
bjmsr-2475	12	5	(	(	PUNCT
bjmsr-2475	12	6	pls	pls	INTJ
bjmsr-2475	12	7	)	)	PUNCT
bjmsr-2475	12	8	analysis	analysis	NOUN
bjmsr-2475	12	9	,	,	PUNCT
bjmsr-2475	12	10	results	result	NOUN
bjmsr-2475	12	11	reveal	reveal	VERB
bjmsr-2475	12	12	that	that	SCONJ
bjmsr-2475	12	13	while	while	SCONJ
bjmsr-2475	12	14	cryptocurrency	cryptocurrency	NOUN
bjmsr-2475	12	15	adoption	adoption	NOUN
bjmsr-2475	12	16	significantly	significantly	ADV
bjmsr-2475	12	17	improves	improve	VERB
bjmsr-2475	12	18	user	user	NOUN
bjmsr-2475	12	19	satisfaction	satisfaction	NOUN
bjmsr-2475	12	20	,	,	PUNCT
bjmsr-2475	12	21	trust	trust	NOUN
bjmsr-2475	12	22	in	in	ADP
bjmsr-2475	12	23	the	the	DET
bjmsr-2475	12	24	financial	financial	ADJ
bjmsr-2475	12	25	system	system	NOUN
bjmsr-2475	12	26	,	,	PUNCT
bjmsr-2475	12	27	and	and	CCONJ
bjmsr-2475	12	28	economic	economic	ADJ
bjmsr-2475	12	29	empowerment	empowerment	NOUN
bjmsr-2475	12	30	,	,	PUNCT
bjmsr-2475	12	31	with	with	ADP
bjmsr-2475	12	32	scores	score	NOUN
bjmsr-2475	12	33	of	of	ADP
bjmsr-2475	12	34	0.888	0.888	NUM
bjmsr-2475	12	35	,	,	PUNCT
bjmsr-2475	12	36	0.732	0.732	NUM
bjmsr-2475	12	37	,	,	PUNCT
bjmsr-2475	12	38	and	and	CCONJ
bjmsr-2475	12	39	0.851	0.851	NUM
bjmsr-2475	12	40	,	,	PUNCT
bjmsr-2475	12	41	respectively	respectively	ADV
bjmsr-2475	12	42	.	.	PUNCT
bjmsr-2475	13	1	cryptocurrency	cryptocurrency	NOUN
bjmsr-2475	13	2	adoption	adoption	NOUN
bjmsr-2475	13	3	also	also	ADV
bjmsr-2475	13	4	has	have	VERB
bjmsr-2475	13	5	a	a	DET
bjmsr-2475	13	6	direct	direct	ADJ
bjmsr-2475	13	7	effect	effect	NOUN
bjmsr-2475	13	8	on	on	ADP
bjmsr-2475	13	9	financial	financial	ADJ
bjmsr-2475	13	10	inclusion	inclusion	NOUN
bjmsr-2475	13	11	,	,	PUNCT
bjmsr-2475	13	12	with	with	ADP
bjmsr-2475	13	13	a	a	DET
bjmsr-2475	13	14	score	score	NOUN
bjmsr-2475	13	15	of	of	ADP
bjmsr-2475	13	16	0.635	0.635	NUM
bjmsr-2475	13	17	.	.	PUNCT
bjmsr-2475	14	1	however	however	ADV
bjmsr-2475	14	2	,	,	PUNCT
bjmsr-2475	14	3	perceived	perceive	VERB
bjmsr-2475	14	4	economic	economic	ADJ
bjmsr-2475	14	5	empowerment	empowerment	NOUN
bjmsr-2475	14	6	emerged	emerge	VERB
bjmsr-2475	14	7	as	as	ADP
bjmsr-2475	14	8	a	a	DET
bjmsr-2475	14	9	strong	strong	ADJ
bjmsr-2475	14	10	mediating	mediate	VERB
bjmsr-2475	14	11	variable	variable	NOUN
bjmsr-2475	14	12	,	,	PUNCT
bjmsr-2475	14	13	with	with	ADP
bjmsr-2475	14	14	a	a	DET
bjmsr-2475	14	15	score	score	NOUN
bjmsr-2475	14	16	of	of	ADP
bjmsr-2475	14	17	0.556	0.556	NUM
bjmsr-2475	14	18	to	to	ADP
bjmsr-2475	14	19	financial	financial	ADJ
bjmsr-2475	14	20	inclusion	inclusion	NOUN
bjmsr-2475	14	21	,	,	PUNCT
bjmsr-2475	14	22	compared	compare	VERB
bjmsr-2475	14	23	to	to	ADP
bjmsr-2475	14	24	user	user	NOUN
bjmsr-2475	14	25	satisfaction	satisfaction	NOUN
bjmsr-2475	14	26	with	with	ADP
bjmsr-2475	14	27	a	a	DET
bjmsr-2475	14	28	mediating	mediate	VERB
bjmsr-2475	14	29	score	score	NOUN
bjmsr-2475	14	30	of	of	ADP
bjmsr-2475	14	31	0.282	0.282	NUM
bjmsr-2475	14	32	to	to	ADP
bjmsr-2475	14	33	financial	financial	ADJ
bjmsr-2475	14	34	inclusion	inclusion	NOUN
bjmsr-2475	14	35	.	.	PUNCT
bjmsr-2475	15	1	these	these	DET
bjmsr-2475	15	2	findings	finding	NOUN
bjmsr-2475	15	3	highlight	highlight	VERB
bjmsr-2475	15	4	that	that	SCONJ
bjmsr-2475	15	5	high	high	ADJ
bjmsr-2475	15	6	economic	economic	ADJ
bjmsr-2475	15	7	empowerment	empowerment	NOUN
bjmsr-2475	15	8	is	be	AUX
bjmsr-2475	15	9	a	a	DET
bjmsr-2475	15	10	key	key	ADJ
bjmsr-2475	15	11	value	value	NOUN
bjmsr-2475	15	12	driver	driver	NOUN
bjmsr-2475	15	13	for	for	ADP
bjmsr-2475	15	14	crypto	crypto	ADJ
bjmsr-2475	15	15	investors	investor	NOUN
bjmsr-2475	15	16	.	.	PUNCT
bjmsr-2475	16	1	the	the	DET
bjmsr-2475	16	2	results	result	NOUN
bjmsr-2475	16	3	show	show	VERB
bjmsr-2475	16	4	platforms	platform	NOUN
bjmsr-2475	16	5	emphasizing	emphasize	VERB
bjmsr-2475	16	6	accessibility	accessibility	NOUN
bjmsr-2475	16	7	,	,	PUNCT
bjmsr-2475	16	8	security	security	NOUN
bjmsr-2475	16	9	,	,	PUNCT
bjmsr-2475	16	10	and	and	CCONJ
bjmsr-2475	16	11	transparency	transparency	NOUN
bjmsr-2475	16	12	may	may	AUX
bjmsr-2475	16	13	be	be	AUX
bjmsr-2475	16	14	better	well	ADV
bjmsr-2475	16	15	positioned	position	VERB
bjmsr-2475	16	16	to	to	PART
bjmsr-2475	16	17	support	support	VERB
bjmsr-2475	16	18	financial	financial	ADJ
bjmsr-2475	16	19	inclusion	inclusion	NOUN
bjmsr-2475	16	20	in	in	ADP
bjmsr-2475	16	21	emerging	emerge	VERB
bjmsr-2475	16	22	economies	economy	NOUN
bjmsr-2475	16	23	like	like	ADP
bjmsr-2475	16	24	indonesia	indonesia	PROPN
bjmsr-2475	16	25	,	,	PUNCT
bjmsr-2475	16	26	without	without	ADP
bjmsr-2475	16	27	having	have	VERB
bjmsr-2475	16	28	to	to	PART
bjmsr-2475	16	29	engage	engage	VERB
bjmsr-2475	16	30	in	in	ADP
bjmsr-2475	16	31	a	a	DET
bjmsr-2475	16	32	formal	formal	ADJ
bjmsr-2475	16	33	financial	financial	ADJ
bjmsr-2475	16	34	system	system	NOUN
bjmsr-2475	16	35	.	.	PUNCT
bjmsr-2475	16	36	.	.	PUNCT
bjmsr-2475	17	1	©	©	PROPN
bjmsr-2475	17	2	2025	2025	NUM
bjmsr-2475	17	3	by	by	ADP
bjmsr-2475	17	4	the	the	DET
bjmsr-2475	17	5	authors	author	NOUN
bjmsr-2475	17	6	.	.	PUNCT
bjmsr-2475	18	1	licensee	licensee	PROPN
bjmsr-2475	18	2	cribfb	cribfb	PROPN
bjmsr-2475	18	3	,	,	PUNCT
bjmsr-2475	18	4	usa	usa	PROPN
bjmsr-2475	18	5	.	.	PROPN
bjmsr-2475	19	1	this	this	DET
bjmsr-2475	19	2	open	open	ADJ
bjmsr-2475	19	3	-	-	PUNCT
bjmsr-2475	19	4	access	access	NOUN
bjmsr-2475	19	5	article	article	NOUN
bjmsr-2475	19	6	is	be	AUX
bjmsr-2475	19	7	distributed	distribute	VERB
bjmsr-2475	19	8	under	under	ADP
bjmsr-2475	19	9	the	the	DET
bjmsr-2475	19	10	terms	term	NOUN
bjmsr-2475	19	11	and	and	CCONJ
bjmsr-2475	19	12	conditions	condition	NOUN
bjmsr-2475	19	13	of	of	ADP
bjmsr-2475	19	14	the	the	DET
bjmsr-2475	19	15	creative	creative	ADJ
bjmsr-2475	19	16	commons	common	NOUN
bjmsr-2475	19	17	attribution	attribution	NOUN
bjmsr-2475	19	18	(	(	PUNCT
bjmsr-2475	19	19	cc	cc	NOUN
bjmsr-2475	19	20	by	by	ADP
bjmsr-2475	19	21	)	)	PUNCT
bjmsr-2475	19	22	license	license	NOUN
bjmsr-2475	19	23	(	(	PUNCT
bjmsr-2475	19	24	http://creativecommons.org/licenses/by/4.0	http://creativecommons.org/licenses/by/4.0	NOUN
bjmsr-2475	19	25	)	)	PUNCT
bjmsr-2475	19	26	.	.	PUNCT
bjmsr-2475	20	1	introduction	introduction	NOUN
bjmsr-2475	20	2	financial	financial	ADJ
bjmsr-2475	20	3	inclusion	inclusion	NOUN
bjmsr-2475	20	4	remains	remain	VERB
bjmsr-2475	20	5	a	a	DET
bjmsr-2475	20	6	significant	significant	ADJ
bjmsr-2475	20	7	challenge	challenge	NOUN
bjmsr-2475	20	8	in	in	ADP
bjmsr-2475	20	9	developing	develop	VERB
bjmsr-2475	20	10	countries	country	NOUN
bjmsr-2475	20	11	,	,	PUNCT
bjmsr-2475	20	12	where	where	SCONJ
bjmsr-2475	20	13	limited	limited	ADJ
bjmsr-2475	20	14	access	access	NOUN
bjmsr-2475	20	15	to	to	ADP
bjmsr-2475	20	16	savings	saving	NOUN
bjmsr-2475	20	17	,	,	PUNCT
bjmsr-2475	20	18	banking	banking	NOUN
bjmsr-2475	20	19	,	,	PUNCT
bjmsr-2475	20	20	credit	credit	NOUN
bjmsr-2475	20	21	,	,	PUNCT
bjmsr-2475	20	22	and	and	CCONJ
bjmsr-2475	20	23	insurance	insurance	NOUN
bjmsr-2475	20	24	keeps	keep	VERB
bjmsr-2475	20	25	many	many	ADJ
bjmsr-2475	20	26	in	in	ADP
bjmsr-2475	20	27	poverty	poverty	NOUN
bjmsr-2475	20	28	.	.	PUNCT
bjmsr-2475	21	1	about	about	ADV
bjmsr-2475	21	2	half	half	NOUN
bjmsr-2475	21	3	of	of	ADP
bjmsr-2475	21	4	adults	adult	NOUN
bjmsr-2475	21	5	worldwide	worldwide	ADV
bjmsr-2475	21	6	reported	report	VERB
bjmsr-2475	21	7	saving	save	VERB
bjmsr-2475	21	8	money	money	NOUN
bjmsr-2475	21	9	in	in	ADP
bjmsr-2475	21	10	the	the	DET
bjmsr-2475	21	11	past	past	ADJ
bjmsr-2475	21	12	year	year	NOUN
bjmsr-2475	21	13	.	.	PUNCT
bjmsr-2475	22	1	in	in	ADP
bjmsr-2475	22	2	highincome	highincome	ADJ
bjmsr-2475	22	3	economies	economy	NOUN
bjmsr-2475	22	4	,	,	PUNCT
bjmsr-2475	22	5	71	71	NUM
bjmsr-2475	22	6	percent	percent	NOUN
bjmsr-2475	22	7	reported	report	VERB
bjmsr-2475	22	8	saving	save	VERB
bjmsr-2475	22	9	,	,	PUNCT
bjmsr-2475	22	10	while	while	SCONJ
bjmsr-2475	22	11	in	in	ADP
bjmsr-2475	22	12	developing	develop	VERB
bjmsr-2475	22	13	economies	economy	NOUN
bjmsr-2475	22	14	,	,	PUNCT
bjmsr-2475	22	15	43	43	NUM
bjmsr-2475	22	16	percent	percent	NOUN
bjmsr-2475	22	17	did	do	VERB
bjmsr-2475	22	18	(	(	PUNCT
bjmsr-2475	22	19	demirgüç	demirgüç	PROPN
bjmsr-2475	22	20	-	-	PUNCT
bjmsr-2475	22	21	kunt	kunt	PROPN
bjmsr-2475	22	22	et	et	PROPN
bjmsr-2475	22	23	al	al	PROPN
bjmsr-2475	22	24	.	.	PROPN
bjmsr-2475	22	25	,	,	PUNCT
bjmsr-2475	22	26	2018	2018	NUM
bjmsr-2475	22	27	)	)	PUNCT
bjmsr-2475	22	28	.	.	PUNCT
bjmsr-2475	23	1	big	big	ADJ
bjmsr-2475	23	2	-	-	PUNCT
bjmsr-2475	23	3	tech	tech	NOUN
bjmsr-2475	23	4	companies	company	NOUN
bjmsr-2475	23	5	currently	currently	ADV
bjmsr-2475	23	6	dominate	dominate	VERB
bjmsr-2475	23	7	the	the	DET
bjmsr-2475	23	8	development	development	NOUN
bjmsr-2475	23	9	of	of	ADP
bjmsr-2475	23	10	fintech	fintech	NOUN
bjmsr-2475	23	11	,	,	PUNCT
bjmsr-2475	23	12	particularly	particularly	ADV
bjmsr-2475	23	13	in	in	ADP
bjmsr-2475	23	14	terms	term	NOUN
bjmsr-2475	23	15	of	of	ADP
bjmsr-2475	23	16	increasing	increase	VERB
bjmsr-2475	23	17	financial	financial	ADJ
bjmsr-2475	23	18	inclusion	inclusion	NOUN
bjmsr-2475	23	19	(	(	PUNCT
bjmsr-2475	23	20	cao	cao	PROPN
bjmsr-2475	23	21	et	et	PROPN
bjmsr-2475	23	22	al	al	PROPN
bjmsr-2475	23	23	.	.	PROPN
bjmsr-2475	23	24	,	,	PUNCT
bjmsr-2475	23	25	2023	2023	NUM
bjmsr-2475	23	26	)	)	PUNCT
bjmsr-2475	23	27	.	.	PUNCT
bjmsr-2475	24	1	the	the	DET
bjmsr-2475	24	2	world	world	PROPN
bjmsr-2475	24	3	bank	bank	PROPN
bjmsr-2475	24	4	reports	report	VERB
bjmsr-2475	24	5	that	that	SCONJ
bjmsr-2475	24	6	over	over	ADP
bjmsr-2475	24	7	1.7	1.7	NUM
bjmsr-2475	24	8	billion	billion	NUM
bjmsr-2475	24	9	people	people	NOUN
bjmsr-2475	24	10	lack	lack	VERB
bjmsr-2475	24	11	bank	bank	NOUN
bjmsr-2475	24	12	accounts	account	NOUN
bjmsr-2475	24	13	,	,	PUNCT
bjmsr-2475	24	14	mostly	mostly	ADV
bjmsr-2475	24	15	in	in	ADP
bjmsr-2475	24	16	developing	develop	VERB
bjmsr-2475	24	17	regions	region	NOUN
bjmsr-2475	24	18	.	.	PUNCT
bjmsr-2475	25	1	barriers	barrier	NOUN
bjmsr-2475	25	2	such	such	ADJ
bjmsr-2475	25	3	as	as	ADP
bjmsr-2475	25	4	high	high	ADJ
bjmsr-2475	25	5	costs	cost	NOUN
bjmsr-2475	25	6	,	,	PUNCT
bjmsr-2475	25	7	weak	weak	ADJ
bjmsr-2475	25	8	infrastructure	infrastructure	NOUN
bjmsr-2475	25	9	,	,	PUNCT
bjmsr-2475	25	10	and	and	CCONJ
bjmsr-2475	25	11	lack	lack	NOUN
bjmsr-2475	25	12	of	of	ADP
bjmsr-2475	25	13	formal	formal	ADJ
bjmsr-2475	25	14	i	i	PROPN
bjmsr-2475	25	15	d	d	PROPN
bjmsr-2475	25	16	force	force	VERB
bjmsr-2475	25	17	many	many	ADJ
bjmsr-2475	25	18	to	to	PART
bjmsr-2475	25	19	rely	rely	VERB
bjmsr-2475	25	20	on	on	ADP
bjmsr-2475	25	21	insecure	insecure	ADJ
bjmsr-2475	25	22	,	,	PUNCT
bjmsr-2475	25	23	costly	costly	ADJ
bjmsr-2475	25	24	informal	informal	ADJ
bjmsr-2475	25	25	systems	system	NOUN
bjmsr-2475	25	26	.	.	PUNCT
bjmsr-2475	26	1	cryptocurrencies	cryptocurrencie	NOUN
bjmsr-2475	26	2	like	like	ADP
bjmsr-2475	26	3	bitcoin	bitcoin	NOUN
bjmsr-2475	26	4	,	,	PUNCT
bjmsr-2475	26	5	powered	power	VERB
bjmsr-2475	26	6	by	by	ADP
bjmsr-2475	26	7	blockchain	blockchain	PROPN
bjmsr-2475	26	8	,	,	PUNCT
bjmsr-2475	26	9	offer	offer	VERB
bjmsr-2475	26	10	a	a	DET
bjmsr-2475	26	11	promising	promising	ADJ
bjmsr-2475	26	12	alternative	alternative	NOUN
bjmsr-2475	26	13	enabling	enable	VERB
bjmsr-2475	26	14	fast	fast	ADJ
bjmsr-2475	26	15	,	,	PUNCT
bjmsr-2475	26	16	low	low	ADJ
bjmsr-2475	26	17	-	-	PUNCT
bjmsr-2475	26	18	cost	cost	NOUN
bjmsr-2475	26	19	,	,	PUNCT
bjmsr-2475	26	20	and	and	CCONJ
bjmsr-2475	26	21	secure	secure	ADJ
bjmsr-2475	26	22	transactions	transaction	NOUN
bjmsr-2475	26	23	without	without	ADP
bjmsr-2475	26	24	traditional	traditional	ADJ
bjmsr-2475	26	25	banks	bank	NOUN
bjmsr-2475	26	26	.	.	PUNCT
bjmsr-2475	27	1	with	with	ADP
bjmsr-2475	27	2	mobile	mobile	ADJ
bjmsr-2475	27	3	devices	device	NOUN
bjmsr-2475	27	4	and	and	CCONJ
bjmsr-2475	27	5	internet	internet	NOUN
bjmsr-2475	27	6	access	access	NOUN
bjmsr-2475	27	7	,	,	PUNCT
bjmsr-2475	27	8	individuals	individual	NOUN
bjmsr-2475	27	9	can	can	AUX
bjmsr-2475	27	10	connect	connect	VERB
bjmsr-2475	27	11	to	to	ADP
bjmsr-2475	27	12	the	the	DET
bjmsr-2475	27	13	global	global	ADJ
bjmsr-2475	27	14	financial	financial	ADJ
bjmsr-2475	27	15	system	system	NOUN
bjmsr-2475	27	16	(	(	PUNCT
bjmsr-2475	27	17	el	el	PROPN
bjmsr-2475	27	18	hajj	hajj	PROPN
bjmsr-2475	27	19	&	&	CCONJ
bjmsr-2475	27	20	farran	farran	PROPN
bjmsr-2475	27	21	,	,	PUNCT
bjmsr-2475	27	22	2024	2024	NUM
bjmsr-2475	27	23	)	)	PUNCT
bjmsr-2475	27	24	.	.	PUNCT
bjmsr-2475	28	1	the	the	DET
bjmsr-2475	28	2	crypto	crypto	NOUN
bjmsr-2475	28	3	world	world	NOUN
bjmsr-2475	28	4	will	will	AUX
bjmsr-2475	28	5	eventually	eventually	ADV
bjmsr-2475	28	6	shift	shift	VERB
bjmsr-2475	28	7	into	into	ADP
bjmsr-2475	28	8	the	the	DET
bjmsr-2475	28	9	most	most	ADV
bjmsr-2475	28	10	attractive	attractive	ADJ
bjmsr-2475	28	11	investment	investment	NOUN
bjmsr-2475	28	12	in	in	ADP
bjmsr-2475	28	13	the	the	DET
bjmsr-2475	28	14	digital	digital	ADJ
bjmsr-2475	28	15	economy	economy	NOUN
bjmsr-2475	28	16	.	.	PUNCT
bjmsr-2475	29	1	their	their	PRON
bjmsr-2475	29	2	decentralized	decentralized	ADJ
bjmsr-2475	29	3	nature	nature	NOUN
bjmsr-2475	29	4	provides	provide	VERB
bjmsr-2475	29	5	greater	great	ADJ
bjmsr-2475	29	6	security	security	NOUN
bjmsr-2475	29	7	and	and	CCONJ
bjmsr-2475	29	8	privacy	privacy	NOUN
bjmsr-2475	29	9	,	,	PUNCT
bjmsr-2475	29	10	especially	especially	ADV
bjmsr-2475	29	11	in	in	ADP
bjmsr-2475	29	12	areas	area	NOUN
bjmsr-2475	29	13	with	with	ADP
bjmsr-2475	29	14	unstable	unstable	ADJ
bjmsr-2475	29	15	financial	financial	ADJ
bjmsr-2475	29	16	institutions	institution	NOUN
bjmsr-2475	29	17	.	.	PUNCT
bjmsr-2475	30	1	by	by	ADP
bjmsr-2475	30	2	lowering	lower	VERB
bjmsr-2475	30	3	transaction	transaction	NOUN
bjmsr-2475	30	4	costs	cost	NOUN
bjmsr-2475	30	5	and	and	CCONJ
bjmsr-2475	30	6	easing	ease	VERB
bjmsr-2475	30	7	cross	cross	ADJ
bjmsr-2475	30	8	-	-	ADJ
bjmsr-2475	30	9	border	border	ADJ
bjmsr-2475	30	10	transfers	transfer	NOUN
bjmsr-2475	30	11	,	,	PUNCT
bjmsr-2475	30	12	cryptocurrencies	cryptocurrencie	NOUN
bjmsr-2475	30	13	can	can	AUX
bjmsr-2475	30	14	play	play	VERB
bjmsr-2475	30	15	a	a	DET
bjmsr-2475	30	16	vital	vital	ADJ
bjmsr-2475	30	17	role	role	NOUN
bjmsr-2475	30	18	in	in	ADP
bjmsr-2475	30	19	advancing	advance	VERB
bjmsr-2475	30	20	financial	financial	ADJ
bjmsr-2475	30	21	inclusion	inclusion	NOUN
bjmsr-2475	30	22	and	and	CCONJ
bjmsr-2475	30	23	economic	economic	ADJ
bjmsr-2475	30	24	growth	growth	NOUN
bjmsr-2475	30	25	.	.	PUNCT
bjmsr-2475	31	1	the	the	DET
bjmsr-2475	31	2	rapid	rapid	ADJ
bjmsr-2475	31	3	emergence	emergence	NOUN
bjmsr-2475	31	4	of	of	ADP
bjmsr-2475	31	5	cryptocurrencies	cryptocurrencie	NOUN
bjmsr-2475	31	6	has	have	AUX
bjmsr-2475	31	7	significantly	significantly	ADV
bjmsr-2475	31	8	transformed	transform	VERB
bjmsr-2475	31	9	the	the	DET
bjmsr-2475	31	10	landscape	landscape	NOUN
bjmsr-2475	31	11	of	of	ADP
bjmsr-2475	31	12	financial	financial	ADJ
bjmsr-2475	31	13	transactions	transaction	NOUN
bjmsr-2475	31	14	and	and	CCONJ
bjmsr-2475	31	15	investment	investment	NOUN
bjmsr-2475	31	16	strategies	strategy	NOUN
bjmsr-2475	31	17	across	across	ADP
bjmsr-2475	31	18	the	the	DET
bjmsr-2475	31	19	globe	globe	NOUN
bjmsr-2475	31	20	.	.	PUNCT
bjmsr-2475	32	1	initially	initially	ADV
bjmsr-2475	32	2	introduced	introduce	VERB
bjmsr-2475	32	3	as	as	ADP
bjmsr-2475	32	4	a	a	DET
bjmsr-2475	32	5	decentralized	decentralized	ADJ
bjmsr-2475	32	6	digital	digital	ADJ
bjmsr-2475	32	7	alternative	alternative	NOUN
bjmsr-2475	32	8	to	to	ADP
bjmsr-2475	32	9	1corresponding	1corresponding	PROPN
bjmsr-2475	32	10	author	author	NOUN
bjmsr-2475	32	11	:	:	PUNCT
bjmsr-2475	32	12	orcid	orcid	PROPN
bjmsr-2475	33	1	i	i	PRON
bjmsr-2475	33	2	d	d	NOUN
bjmsr-2475	33	3	:	:	PUNCT
bjmsr-2475	33	4	0009	0009	NUM
bjmsr-2475	33	5	-	-	SYM
bjmsr-2475	33	6	0003	0003	NUM
bjmsr-2475	33	7	-	-	PUNCT
bjmsr-2475	33	8	1180	1180	NUM
bjmsr-2475	33	9	-	-	PUNCT
bjmsr-2475	33	10	344x	344x	NOUN
bjmsr-2475	33	11	©	©	PROPN
bjmsr-2475	33	12	2025	2025	NUM
bjmsr-2475	33	13	by	by	ADP
bjmsr-2475	33	14	the	the	DET
bjmsr-2475	33	15	authors	author	NOUN
bjmsr-2475	33	16	.	.	PUNCT
bjmsr-2475	34	1	hosting	host	VERB
bjmsr-2475	34	2	by	by	ADP
bjmsr-2475	34	3	cribfb	cribfb	PROPN
bjmsr-2475	34	4	.	.	PUNCT
bjmsr-2475	35	1	peer	peer	NOUN
bjmsr-2475	35	2	review	review	NOUN
bjmsr-2475	35	3	is	be	AUX
bjmsr-2475	35	4	the	the	DET
bjmsr-2475	35	5	responsibility	responsibility	NOUN
bjmsr-2475	35	6	of	of	ADP
bjmsr-2475	35	7	cribfb	cribfb	PROPN
bjmsr-2475	35	8	,	,	PUNCT
bjmsr-2475	35	9	usa	usa	PROPN
bjmsr-2475	35	10	.	.	PROPN
bjmsr-2475	35	11	https://doi.org/10.46281/3scgym20	https://doi.org/10.46281/3scgym20	NUM
bjmsr-2475	35	12	to	to	PART
bjmsr-2475	35	13	cite	cite	VERB
bjmsr-2475	35	14	this	this	DET
bjmsr-2475	35	15	article	article	NOUN
bjmsr-2475	35	16	:	:	PUNCT
bjmsr-2475	35	17	ferli	ferli	ADJ
bjmsr-2475	35	18	,	,	PUNCT
bjmsr-2475	35	19	o.	o.	PROPN
bjmsr-2475	35	20	,	,	PUNCT
bjmsr-2475	35	21	gonardo	gonardo	PROPN
bjmsr-2475	35	22	,	,	PUNCT
bjmsr-2475	35	23	d.	d.	PROPN
bjmsr-2475	35	24	,	,	PUNCT
bjmsr-2475	35	25	dava	dava	PROPN
bjmsr-2475	35	26	,	,	PUNCT
bjmsr-2475	35	27	g.	g.	PROPN
bjmsr-2475	35	28	r.	r.	PROPN
bjmsr-2475	35	29	,	,	PUNCT
bjmsr-2475	35	30	&	&	CCONJ
bjmsr-2475	35	31	yasin	yasin	PROPN
bjmsr-2475	35	32	,	,	PUNCT
bjmsr-2475	35	33	m.	m.	NOUN
bjmsr-2475	35	34	(	(	PUNCT
bjmsr-2475	35	35	2025	2025	NUM
bjmsr-2475	35	36	)	)	PUNCT
bjmsr-2475	35	37	.	.	PUNCT
bjmsr-2475	36	1	cryptocurrency	cryptocurrency	NOUN
bjmsr-2475	36	2	adoption	adoption	NOUN
bjmsr-2475	36	3	enhances	enhance	VERB
bjmsr-2475	36	4	financial	financial	ADJ
bjmsr-2475	36	5	inclusion	inclusion	NOUN
bjmsr-2475	36	6	mediated	mediate	VERB
bjmsr-2475	36	7	by	by	ADP
bjmsr-2475	36	8	user	user	NOUN
bjmsr-2475	36	9	satisfaction	satisfaction	NOUN
bjmsr-2475	36	10	and	and	CCONJ
bjmsr-2475	36	11	perceived	perceive	VERB
bjmsr-2475	36	12	economic	economic	ADJ
bjmsr-2475	36	13	empowerment	empowerment	NOUN
bjmsr-2475	36	14	in	in	ADP
bjmsr-2475	36	15	indonesia	indonesia	PROPN
bjmsr-2475	36	16	.	.	PUNCT
bjmsr-2475	37	1	bangladesh	bangladesh	PROPN
bjmsr-2475	37	2	journal	journal	PROPN
bjmsr-2475	37	3	of	of	ADP
bjmsr-2475	37	4	multidisciplinary	multidisciplinary	ADJ
bjmsr-2475	37	5	scientific	scientific	ADJ
bjmsr-2475	37	6	research	research	NOUN
bjmsr-2475	37	7	,	,	PUNCT
bjmsr-2475	37	8	10(5	10(5	NUM
bjmsr-2475	37	9	)	)	PUNCT
bjmsr-2475	37	10	,	,	PUNCT
bjmsr-2475	37	11	46	46	NUM
bjmsr-2475	37	12	-	-	SYM
bjmsr-2475	37	13	55	55	NUM
bjmsr-2475	37	14	.	.	PUNCT
bjmsr-2475	37	15	https://doi.org/10.46281/3scgym20	https://doi.org/10.46281/3scgym20	NUM
bjmsr-2475	37	16	http://creativecommons.org/licenses/by/4.0/	http://creativecommons.org/licenses/by/4.0/	PROPN
bjmsr-2475	37	17	)	)	PUNCT
bjmsr-2475	37	18	http://creativecommons.org/licenses/by/4.0/	http://creativecommons.org/licenses/by/4.0/	PROPN
bjmsr-2475	37	19	)	)	PUNCT
bjmsr-2475	37	20	https://www.openaccess.nl/en	https://www.openaccess.nl/en	NOUN
bjmsr-2475	37	21	https://doi.org/10.46281/3scgym20	https://doi.org/10.46281/3scgym20	NUM
bjmsr-2475	37	22	https://orcid.org/0009-0003-1180-344x	https://orcid.org/0009-0003-1180-344x	PROPN
bjmsr-2475	37	23	https://orcid.org/0009-0003-6182-0037	https://orcid.org/0009-0003-6182-0037	VERB
bjmsr-2475	37	24	https://orcid.org/0009-0005-1623-7808	https://orcid.org/0009-0005-1623-7808	NOUN
bjmsr-2475	37	25	https://orcid.org/0009-0006-2454-0820	https://orcid.org/0009-0006-2454-0820	NOUN
bjmsr-2475	37	26	ferli	ferli	X
bjmsr-2475	37	27	et	et	PROPN
bjmsr-2475	37	28	al	al	PROPN
bjmsr-2475	37	29	.	.	PROPN
bjmsr-2475	37	30	,	,	PUNCT
bjmsr-2475	37	31	bangladesh	bangladesh	PROPN
bjmsr-2475	37	32	journal	journal	NOUN
bjmsr-2475	37	33	of	of	ADP
bjmsr-2475	37	34	multidisciplinary	multidisciplinary	ADJ
bjmsr-2475	37	35	scientific	scientific	ADJ
bjmsr-2475	37	36	research	research	NOUN
bjmsr-2475	37	37	10(5	10(5	NOUN
bjmsr-2475	37	38	)	)	PUNCT
bjmsr-2475	37	39	(	(	PUNCT
bjmsr-2475	37	40	2025	2025	NUM
bjmsr-2475	37	41	)	)	PUNCT
bjmsr-2475	37	42	,	,	PUNCT
bjmsr-2475	37	43	46	46	NUM
bjmsr-2475	37	44	-	-	SYM
bjmsr-2475	37	45	55	55	NUM
bjmsr-2475	37	46	47	47	NUM
bjmsr-2475	37	47	traditional	traditional	ADJ
bjmsr-2475	37	48	currencies	currency	NOUN
bjmsr-2475	37	49	,	,	PUNCT
bjmsr-2475	37	50	cryptocurrencies	cryptocurrencie	NOUN
bjmsr-2475	37	51	have	have	AUX
bjmsr-2475	37	52	gained	gain	VERB
bjmsr-2475	37	53	substantial	substantial	ADJ
bjmsr-2475	37	54	attraction	attraction	NOUN
bjmsr-2475	37	55	among	among	ADP
bjmsr-2475	37	56	various	various	ADJ
bjmsr-2475	37	57	demographics	demographic	NOUN
bjmsr-2475	37	58	,	,	PUNCT
bjmsr-2475	37	59	particularly	particularly	ADV
bjmsr-2475	37	60	in	in	ADP
bjmsr-2475	37	61	emerging	emerge	VERB
bjmsr-2475	37	62	markets	market	NOUN
bjmsr-2475	37	63	(	(	PUNCT
bjmsr-2475	37	64	omane	omane	NOUN
bjmsr-2475	37	65	-	-	PUNCT
bjmsr-2475	37	66	adjepong	adjepong	NOUN
bjmsr-2475	37	67	&	&	CCONJ
bjmsr-2475	37	68	alagidede	alagidede	PROPN
bjmsr-2475	37	69	,	,	PUNCT
bjmsr-2475	37	70	2020	2020	NUM
bjmsr-2475	37	71	)	)	PUNCT
bjmsr-2475	37	72	.	.	PUNCT
bjmsr-2475	38	1	bitcoin	bitcoin	PROPN
bjmsr-2475	38	2	and	and	CCONJ
bjmsr-2475	38	3	other	other	ADJ
bjmsr-2475	38	4	cryptocurrencies	cryptocurrencie	NOUN
bjmsr-2475	38	5	can	can	AUX
bjmsr-2475	38	6	be	be	AUX
bjmsr-2475	38	7	traded	trade	VERB
bjmsr-2475	38	8	on	on	ADP
bjmsr-2475	38	9	indonesian	indonesian	ADJ
bjmsr-2475	38	10	commodity	commodity	NOUN
bjmsr-2475	38	11	futures	future	NOUN
bjmsr-2475	38	12	exchanges	exchange	NOUN
bjmsr-2475	38	13	,	,	PUNCT
bjmsr-2475	38	14	as	as	SCONJ
bjmsr-2475	38	15	outlined	outline	VERB
bjmsr-2475	38	16	in	in	ADP
bjmsr-2475	38	17	regulation	regulation	NOUN
bjmsr-2475	38	18	no	no	NOUN
bjmsr-2475	38	19	.	.	NOUN
bjmsr-2475	38	20	5	5	NUM
bjmsr-2475	38	21	of	of	ADP
bjmsr-2475	38	22	2019	2019	NUM
bjmsr-2475	38	23	,	,	PUNCT
bjmsr-2475	38	24	issued	issue	VERB
bjmsr-2475	38	25	on	on	ADP
bjmsr-2475	38	26	february	february	PROPN
bjmsr-2475	38	27	8	8	NUM
bjmsr-2475	38	28	,	,	PUNCT
bjmsr-2475	38	29	2019	2019	NUM
bjmsr-2475	38	30	.	.	PUNCT
bjmsr-2475	39	1	the	the	DET
bjmsr-2475	39	2	indonesian	indonesian	ADJ
bjmsr-2475	39	3	cryptocurrency	cryptocurrency	NOUN
bjmsr-2475	39	4	market	market	NOUN
bjmsr-2475	39	5	has	have	AUX
bjmsr-2475	39	6	experienced	experience	VERB
bjmsr-2475	39	7	rapid	rapid	ADJ
bjmsr-2475	39	8	growth	growth	NOUN
bjmsr-2475	39	9	,	,	PUNCT
bjmsr-2475	39	10	both	both	CCONJ
bjmsr-2475	39	11	in	in	ADP
bjmsr-2475	39	12	terms	term	NOUN
bjmsr-2475	39	13	of	of	ADP
bjmsr-2475	39	14	user	user	NOUN
bjmsr-2475	39	15	adoption	adoption	NOUN
bjmsr-2475	39	16	and	and	CCONJ
bjmsr-2475	39	17	transaction	transaction	NOUN
bjmsr-2475	39	18	volume	volume	NOUN
bjmsr-2475	39	19	.	.	PUNCT
bjmsr-2475	40	1	between	between	ADP
bjmsr-2475	40	2	2020	2020	NUM
bjmsr-2475	40	3	and	and	CCONJ
bjmsr-2475	40	4	early	early	ADJ
bjmsr-2475	40	5	2022	2022	NUM
bjmsr-2475	40	6	,	,	PUNCT
bjmsr-2475	40	7	the	the	DET
bjmsr-2475	40	8	number	number	NOUN
bjmsr-2475	40	9	of	of	ADP
bjmsr-2475	40	10	crypto	crypto	NOUN
bjmsr-2475	40	11	investors	investor	NOUN
bjmsr-2475	40	12	expanded	expand	VERB
bjmsr-2475	40	13	dramatically	dramatically	ADV
bjmsr-2475	40	14	from	from	ADP
bjmsr-2475	40	15	just	just	ADV
bjmsr-2475	40	16	over	over	ADP
bjmsr-2475	40	17	half	half	DET
bjmsr-2475	40	18	a	a	DET
bjmsr-2475	40	19	million	million	NUM
bjmsr-2475	40	20	to	to	PART
bjmsr-2475	40	21	12.4	12.4	NUM
bjmsr-2475	40	22	million	million	NUM
bjmsr-2475	40	23	accompanied	accompany	VERB
bjmsr-2475	40	24	by	by	ADP
bjmsr-2475	40	25	average	average	ADJ
bjmsr-2475	40	26	daily	daily	ADJ
bjmsr-2475	40	27	transactions	transaction	NOUN
bjmsr-2475	40	28	of	of	ADP
bjmsr-2475	40	29	approximately	approximately	ADV
bjmsr-2475	40	30	idr	idr	VERB
bjmsr-2475	40	31	2.35	2.35	NUM
bjmsr-2475	40	32	trillion	trillion	NUM
bjmsr-2475	40	33	and	and	CCONJ
bjmsr-2475	40	34	an	an	DET
bjmsr-2475	40	35	annual	annual	ADJ
bjmsr-2475	40	36	total	total	NOUN
bjmsr-2475	40	37	reaching	reach	VERB
bjmsr-2475	40	38	idr	idr	PROPN
bjmsr-2475	40	39	859	859	NUM
bjmsr-2475	40	40	trillion	trillion	NUM
bjmsr-2475	40	41	in	in	ADP
bjmsr-2475	40	42	2021	2021	NUM
bjmsr-2475	40	43	.	.	PUNCT
bjmsr-2475	41	1	research	research	NOUN
bjmsr-2475	41	2	results	result	NOUN
bjmsr-2475	41	3	show	show	VERB
bjmsr-2475	41	4	that	that	SCONJ
bjmsr-2475	41	5	during	during	ADP
bjmsr-2475	41	6	the	the	DET
bjmsr-2475	41	7	pandemic	pandemic	ADJ
bjmsr-2475	41	8	,	,	PUNCT
bjmsr-2475	41	9	indonesian	indonesian	ADJ
bjmsr-2475	41	10	people	people	NOUN
bjmsr-2475	41	11	searched	search	VERB
bjmsr-2475	41	12	for	for	ADP
bjmsr-2475	41	13	information	information	NOUN
bjmsr-2475	41	14	about	about	ADP
bjmsr-2475	41	15	crypto	crypto	NOUN
bjmsr-2475	41	16	through	through	ADP
bjmsr-2475	41	17	the	the	DET
bjmsr-2475	41	18	internet	internet	NOUN
bjmsr-2475	41	19	,	,	PUNCT
bjmsr-2475	41	20	which	which	PRON
bjmsr-2475	41	21	will	will	AUX
bjmsr-2475	41	22	influence	influence	VERB
bjmsr-2475	41	23	their	their	PRON
bjmsr-2475	41	24	investment	investment	NOUN
bjmsr-2475	41	25	decision	decision	NOUN
bjmsr-2475	41	26	in	in	ADP
bjmsr-2475	41	27	the	the	DET
bjmsr-2475	41	28	adoption	adoption	NOUN
bjmsr-2475	41	29	of	of	ADP
bjmsr-2475	41	30	cryptocurrency	cryptocurrency	NOUN
bjmsr-2475	41	31	.	.	PUNCT
bjmsr-2475	42	1	the	the	DET
bjmsr-2475	42	2	intention	intention	NOUN
bjmsr-2475	42	3	to	to	PART
bjmsr-2475	42	4	adopt	adopt	VERB
bjmsr-2475	42	5	cryptocurrencies	cryptocurrencie	NOUN
bjmsr-2475	42	6	can	can	AUX
bjmsr-2475	42	7	be	be	AUX
bjmsr-2475	42	8	affected	affect	VERB
bjmsr-2475	42	9	by	by	ADP
bjmsr-2475	42	10	investor	investor	NOUN
bjmsr-2475	42	11	trust	trust	PROPN
bjmsr-2475	42	12	(	(	PUNCT
bjmsr-2475	42	13	abbasi	abbasi	PROPN
bjmsr-2475	42	14	et	et	PROPN
bjmsr-2475	42	15	al	al	PROPN
bjmsr-2475	42	16	.	.	PROPN
bjmsr-2475	42	17	,	,	PUNCT
bjmsr-2475	42	18	2021	2021	NUM
bjmsr-2475	42	19	)	)	PUNCT
bjmsr-2475	42	20	,	,	PUNCT
bjmsr-2475	42	21	and	and	CCONJ
bjmsr-2475	42	22	research	research	NOUN
bjmsr-2475	42	23	also	also	ADV
bjmsr-2475	42	24	finds	find	VERB
bjmsr-2475	42	25	that	that	SCONJ
bjmsr-2475	42	26	financial	financial	ADJ
bjmsr-2475	42	27	and	and	CCONJ
bjmsr-2475	42	28	emotional	emotional	ADJ
bjmsr-2475	42	29	value	value	NOUN
bjmsr-2475	42	30	from	from	ADP
bjmsr-2475	42	31	the	the	DET
bjmsr-2475	42	32	investor	investor	NOUN
bjmsr-2475	42	33	's	's	PART
bjmsr-2475	42	34	perspective	perspective	NOUN
bjmsr-2475	42	35	(	(	PUNCT
bjmsr-2475	42	36	garcíamonleón	garcíamonleón	NOUN
bjmsr-2475	42	37	et	et	PROPN
bjmsr-2475	42	38	al	al	PROPN
bjmsr-2475	42	39	.	.	PROPN
bjmsr-2475	42	40	,	,	PUNCT
bjmsr-2475	42	41	2023	2023	NUM
bjmsr-2475	42	42	)	)	PUNCT
bjmsr-2475	42	43	.	.	PUNCT
bjmsr-2475	43	1	bitcoin	bitcoin	NOUN
bjmsr-2475	43	2	,	,	PUNCT
bjmsr-2475	43	3	ethereum	ethereum	NOUN
bjmsr-2475	43	4	,	,	PUNCT
bjmsr-2475	43	5	and	and	CCONJ
bjmsr-2475	43	6	dogecoin	dogecoin	NOUN
bjmsr-2475	43	7	emerged	emerge	VERB
bjmsr-2475	43	8	as	as	ADP
bjmsr-2475	43	9	the	the	DET
bjmsr-2475	43	10	most	most	ADV
bjmsr-2475	43	11	frequently	frequently	ADV
bjmsr-2475	43	12	traded	trade	VERB
bjmsr-2475	43	13	digital	digital	ADJ
bjmsr-2475	43	14	assets	asset	NOUN
bjmsr-2475	43	15	,	,	PUNCT
bjmsr-2475	43	16	primarily	primarily	ADV
bjmsr-2475	43	17	driven	drive	VERB
bjmsr-2475	43	18	by	by	ADP
bjmsr-2475	43	19	young	young	ADJ
bjmsr-2475	43	20	adults	adult	NOUN
bjmsr-2475	43	21	aged	age	VERB
bjmsr-2475	43	22	18	18	NUM
bjmsr-2475	43	23	to	to	PART
bjmsr-2475	43	24	34	34	NUM
bjmsr-2475	43	25	.	.	PUNCT
bjmsr-2475	44	1	indonesia	indonesia	PROPN
bjmsr-2475	44	2	is	be	AUX
bjmsr-2475	44	3	currently	currently	ADV
bjmsr-2475	44	4	ranked	rank	VERB
bjmsr-2475	44	5	13th	13th	NOUN
bjmsr-2475	44	6	globally	globally	ADV
bjmsr-2475	44	7	in	in	ADP
bjmsr-2475	44	8	terms	term	NOUN
bjmsr-2475	44	9	of	of	ADP
bjmsr-2475	44	10	crypto	crypto	NOUN
bjmsr-2475	44	11	adoption	adoption	NOUN
bjmsr-2475	44	12	,	,	PUNCT
bjmsr-2475	44	13	with	with	ADP
bjmsr-2475	44	14	ownership	ownership	NOUN
bjmsr-2475	44	15	penetration	penetration	NOUN
bjmsr-2475	44	16	slightly	slightly	ADV
bjmsr-2475	44	17	exceeding	exceed	VERB
bjmsr-2475	44	18	the	the	DET
bjmsr-2475	44	19	global	global	ADJ
bjmsr-2475	44	20	average	average	NOUN
bjmsr-2475	44	21	(	(	PUNCT
bjmsr-2475	44	22	16	16	NUM
bjmsr-2475	44	23	%	%	NOUN
bjmsr-2475	44	24	compared	compare	VERB
bjmsr-2475	44	25	to	to	ADP
bjmsr-2475	44	26	15	15	NUM
bjmsr-2475	44	27	%	%	NOUN
bjmsr-2475	44	28	)	)	PUNCT
bjmsr-2475	44	29	.	.	PUNCT
bjmsr-2475	45	1	one	one	NUM
bjmsr-2475	45	2	of	of	ADP
bjmsr-2475	45	3	the	the	DET
bjmsr-2475	45	4	benefits	benefit	NOUN
bjmsr-2475	45	5	of	of	ADP
bjmsr-2475	45	6	cryptocurrencies	cryptocurrencie	NOUN
bjmsr-2475	45	7	is	be	AUX
bjmsr-2475	45	8	decentralization	decentralization	NOUN
bjmsr-2475	45	9	.	.	PUNCT
bjmsr-2475	46	1	it	it	PRON
bjmsr-2475	46	2	would	would	AUX
bjmsr-2475	46	3	allow	allow	VERB
bjmsr-2475	46	4	online	online	ADJ
bjmsr-2475	46	5	payments	payment	NOUN
bjmsr-2475	46	6	to	to	PART
bjmsr-2475	46	7	be	be	AUX
bjmsr-2475	46	8	sent	send	VERB
bjmsr-2475	46	9	directly	directly	ADV
bjmsr-2475	46	10	from	from	ADP
bjmsr-2475	46	11	one	one	NUM
bjmsr-2475	46	12	party	party	NOUN
bjmsr-2475	46	13	to	to	ADP
bjmsr-2475	46	14	another	another	PRON
bjmsr-2475	46	15	without	without	ADP
bjmsr-2475	46	16	going	go	VERB
bjmsr-2475	46	17	through	through	ADP
bjmsr-2475	46	18	a	a	DET
bjmsr-2475	46	19	financial	financial	ADJ
bjmsr-2475	46	20	institution	institution	NOUN
bjmsr-2475	46	21	.	.	PUNCT
bjmsr-2475	47	1	hence	hence	ADV
bjmsr-2475	47	2	,	,	PUNCT
bjmsr-2475	47	3	cryptocurrencies	cryptocurrencie	NOUN
bjmsr-2475	47	4	are	be	AUX
bjmsr-2475	47	5	not	not	PART
bjmsr-2475	47	6	restricted	restrict	VERB
bjmsr-2475	47	7	to	to	ADP
bjmsr-2475	47	8	a	a	DET
bjmsr-2475	47	9	specific	specific	ADJ
bjmsr-2475	47	10	geographic	geographic	ADJ
bjmsr-2475	47	11	area	area	NOUN
bjmsr-2475	47	12	and	and	CCONJ
bjmsr-2475	47	13	can	can	AUX
bjmsr-2475	47	14	be	be	AUX
bjmsr-2475	47	15	traded	trade	VERB
bjmsr-2475	47	16	around	around	ADP
bjmsr-2475	47	17	the	the	DET
bjmsr-2475	47	18	world	world	NOUN
bjmsr-2475	47	19	(	(	PUNCT
bjmsr-2475	47	20	holtmeier	holtmei	ADJ
bjmsr-2475	47	21	&	&	CCONJ
bjmsr-2475	47	22	sandner	sandner	PROPN
bjmsr-2475	47	23	,	,	PUNCT
bjmsr-2475	47	24	2019	2019	NUM
bjmsr-2475	47	25	)	)	PUNCT
bjmsr-2475	47	26	.	.	PUNCT
bjmsr-2475	48	1	cryptocurrencies	cryptocurrencie	NOUN
bjmsr-2475	48	2	also	also	ADV
bjmsr-2475	48	3	prove	prove	VERB
bjmsr-2475	48	4	to	to	PART
bjmsr-2475	48	5	have	have	VERB
bjmsr-2475	48	6	a	a	DET
bjmsr-2475	48	7	crucial	crucial	ADJ
bjmsr-2475	48	8	role	role	NOUN
bjmsr-2475	48	9	in	in	ADP
bjmsr-2475	48	10	banking	banking	NOUN
bjmsr-2475	48	11	sectors	sector	NOUN
bjmsr-2475	48	12	and	and	CCONJ
bjmsr-2475	48	13	foreign	foreign	ADJ
bjmsr-2475	48	14	debt	debt	NOUN
bjmsr-2475	48	15	(	(	PUNCT
bjmsr-2475	48	16	le	le	X
bjmsr-2475	48	17	,	,	PUNCT
bjmsr-2475	48	18	2025	2025	NUM
bjmsr-2475	48	19	)	)	PUNCT
bjmsr-2475	48	20	.	.	PUNCT
bjmsr-2475	49	1	research	research	NOUN
bjmsr-2475	49	2	indicates	indicate	VERB
bjmsr-2475	49	3	a	a	DET
bjmsr-2475	49	4	two	two	NUM
bjmsr-2475	49	5	-	-	PUNCT
bjmsr-2475	49	6	way	way	NOUN
bjmsr-2475	49	7	causal	causal	ADJ
bjmsr-2475	49	8	relationship	relationship	NOUN
bjmsr-2475	49	9	between	between	ADP
bjmsr-2475	49	10	bitcoin	bitcoin	NOUN
bjmsr-2475	49	11	price	price	NOUN
bjmsr-2475	49	12	fluctuations	fluctuation	NOUN
bjmsr-2475	49	13	and	and	CCONJ
bjmsr-2475	49	14	online	online	ADJ
bjmsr-2475	49	15	public	public	ADJ
bjmsr-2475	49	16	interest	interest	NOUN
bjmsr-2475	49	17	,	,	PUNCT
bjmsr-2475	49	18	as	as	SCONJ
bjmsr-2475	49	19	measured	measure	VERB
bjmsr-2475	49	20	by	by	ADP
bjmsr-2475	49	21	google	google	PROPN
bjmsr-2475	49	22	trends	trend	NOUN
bjmsr-2475	49	23	signifying	signify	VERB
bjmsr-2475	49	24	that	that	SCONJ
bjmsr-2475	49	25	indonesian	indonesian	ADJ
bjmsr-2475	49	26	investors	investor	NOUN
bjmsr-2475	49	27	tend	tend	VERB
bjmsr-2475	49	28	to	to	PART
bjmsr-2475	49	29	respond	respond	VERB
bjmsr-2475	49	30	actively	actively	ADV
bjmsr-2475	49	31	to	to	ADP
bjmsr-2475	49	32	digital	digital	ADJ
bjmsr-2475	49	33	information	information	NOUN
bjmsr-2475	49	34	,	,	PUNCT
bjmsr-2475	49	35	particularly	particularly	ADV
bjmsr-2475	49	36	during	during	ADP
bjmsr-2475	49	37	high	high	ADJ
bjmsr-2475	49	38	-	-	PUNCT
bjmsr-2475	49	39	volatility	volatility	NOUN
bjmsr-2475	49	40	events	event	NOUN
bjmsr-2475	49	41	such	such	ADJ
bjmsr-2475	49	42	as	as	ADP
bjmsr-2475	49	43	the	the	DET
bjmsr-2475	49	44	covid-19	covid-19	PROPN
bjmsr-2475	49	45	pandemic	pandemic	NOUN
bjmsr-2475	49	46	.	.	PUNCT
bjmsr-2475	50	1	although	although	SCONJ
bjmsr-2475	50	2	cryptocurrencies	cryptocurrencie	NOUN
bjmsr-2475	50	3	are	be	AUX
bjmsr-2475	50	4	not	not	PART
bjmsr-2475	50	5	recognized	recognize	VERB
bjmsr-2475	50	6	as	as	ADP
bjmsr-2475	50	7	legal	legal	ADJ
bjmsr-2475	50	8	tender	tender	NOUN
bjmsr-2475	50	9	,	,	PUNCT
bjmsr-2475	50	10	they	they	PRON
bjmsr-2475	50	11	are	be	AUX
bjmsr-2475	50	12	legally	legally	ADV
bjmsr-2475	50	13	acknowledged	acknowledge	VERB
bjmsr-2475	50	14	by	by	ADP
bjmsr-2475	50	15	regulators	regulator	NOUN
bjmsr-2475	50	16	as	as	ADP
bjmsr-2475	50	17	commodities	commodity	NOUN
bjmsr-2475	50	18	eligible	eligible	ADJ
bjmsr-2475	50	19	for	for	ADP
bjmsr-2475	50	20	trading	trading	NOUN
bjmsr-2475	50	21	,	,	PUNCT
bjmsr-2475	50	22	thereby	thereby	ADV
bjmsr-2475	50	23	reinforcing	reinforce	VERB
bjmsr-2475	50	24	their	their	PRON
bjmsr-2475	50	25	legitimacy	legitimacy	NOUN
bjmsr-2475	50	26	within	within	ADP
bjmsr-2475	50	27	the	the	DET
bjmsr-2475	50	28	investment	investment	NOUN
bjmsr-2475	50	29	ecosystem	ecosystem	NOUN
bjmsr-2475	50	30	and	and	CCONJ
bjmsr-2475	50	31	reflecting	reflect	VERB
bjmsr-2475	50	32	the	the	DET
bjmsr-2475	50	33	government	government	NOUN
bjmsr-2475	50	34	's	's	PART
bjmsr-2475	50	35	evolving	evolve	VERB
bjmsr-2475	50	36	openness	openness	NOUN
bjmsr-2475	50	37	toward	toward	ADP
bjmsr-2475	50	38	digital	digital	ADJ
bjmsr-2475	50	39	financial	financial	ADJ
bjmsr-2475	50	40	innovations	innovation	NOUN
bjmsr-2475	50	41	.	.	PUNCT
bjmsr-2475	51	1	while	while	SCONJ
bjmsr-2475	51	2	previous	previous	ADJ
bjmsr-2475	51	3	research	research	NOUN
bjmsr-2475	51	4	(	(	PUNCT
bjmsr-2475	51	5	el	el	PROPN
bjmsr-2475	51	6	hajj	hajj	PROPN
bjmsr-2475	51	7	&	&	CCONJ
bjmsr-2475	51	8	farran	farran	PROPN
bjmsr-2475	51	9	,	,	PUNCT
bjmsr-2475	51	10	2024	2024	NUM
bjmsr-2475	51	11	;	;	PUNCT
bjmsr-2475	51	12	ozili	ozili	NOUN
bjmsr-2475	51	13	,	,	PUNCT
bjmsr-2475	51	14	2023	2023	NUM
bjmsr-2475	51	15	)	)	PUNCT
bjmsr-2475	51	16	has	have	AUX
bjmsr-2475	51	17	highlighted	highlight	VERB
bjmsr-2475	51	18	the	the	DET
bjmsr-2475	51	19	positive	positive	ADJ
bjmsr-2475	51	20	impact	impact	NOUN
bjmsr-2475	51	21	of	of	ADP
bjmsr-2475	51	22	cryptocurrencies	cryptocurrencie	NOUN
bjmsr-2475	51	23	on	on	ADP
bjmsr-2475	51	24	financial	financial	ADJ
bjmsr-2475	51	25	inclusion	inclusion	NOUN
bjmsr-2475	51	26	and	and	CCONJ
bjmsr-2475	51	27	empowerment	empowerment	NOUN
bjmsr-2475	51	28	in	in	ADP
bjmsr-2475	51	29	emerging	emerge	VERB
bjmsr-2475	51	30	markets	market	NOUN
bjmsr-2475	51	31	,	,	PUNCT
bjmsr-2475	51	32	this	this	DET
bjmsr-2475	51	33	study	study	NOUN
bjmsr-2475	51	34	provides	provide	VERB
bjmsr-2475	51	35	a	a	DET
bjmsr-2475	51	36	focused	focused	ADJ
bjmsr-2475	51	37	replication	replication	NOUN
bjmsr-2475	51	38	within	within	ADP
bjmsr-2475	51	39	the	the	DET
bjmsr-2475	51	40	indonesian	indonesian	ADJ
bjmsr-2475	51	41	context	context	NOUN
bjmsr-2475	51	42	an	an	DET
bjmsr-2475	51	43	archipelagic	archipelagic	ADJ
bjmsr-2475	51	44	nation	nation	NOUN
bjmsr-2475	51	45	marked	mark	VERB
bjmsr-2475	51	46	by	by	ADP
bjmsr-2475	51	47	geographic	geographic	ADJ
bjmsr-2475	51	48	fragmentation	fragmentation	NOUN
bjmsr-2475	51	49	,	,	PUNCT
bjmsr-2475	51	50	infrastructure	infrastructure	NOUN
bjmsr-2475	51	51	challenges	challenge	NOUN
bjmsr-2475	51	52	,	,	PUNCT
bjmsr-2475	51	53	and	and	CCONJ
bjmsr-2475	51	54	unequal	unequal	ADJ
bjmsr-2475	51	55	access	access	NOUN
bjmsr-2475	51	56	to	to	ADP
bjmsr-2475	51	57	formal	formal	ADJ
bjmsr-2475	51	58	financial	financial	ADJ
bjmsr-2475	51	59	services	service	NOUN
bjmsr-2475	51	60	.	.	PUNCT
bjmsr-2475	52	1	unlike	unlike	ADP
bjmsr-2475	52	2	broader	broad	ADJ
bjmsr-2475	52	3	global	global	ADJ
bjmsr-2475	52	4	studies	study	NOUN
bjmsr-2475	52	5	,	,	PUNCT
bjmsr-2475	52	6	this	this	DET
bjmsr-2475	52	7	research	research	NOUN
bjmsr-2475	52	8	specifically	specifically	ADV
bjmsr-2475	52	9	examines	examine	VERB
bjmsr-2475	52	10	the	the	DET
bjmsr-2475	52	11	role	role	NOUN
bjmsr-2475	52	12	of	of	ADP
bjmsr-2475	52	13	cryptocurrency	cryptocurrency	NOUN
bjmsr-2475	52	14	adoption	adoption	NOUN
bjmsr-2475	52	15	in	in	ADP
bjmsr-2475	52	16	enhancing	enhance	VERB
bjmsr-2475	52	17	financial	financial	ADJ
bjmsr-2475	52	18	inclusion	inclusion	NOUN
bjmsr-2475	52	19	through	through	ADP
bjmsr-2475	52	20	the	the	DET
bjmsr-2475	52	21	mediating	mediate	VERB
bjmsr-2475	52	22	effects	effect	NOUN
bjmsr-2475	52	23	of	of	ADP
bjmsr-2475	52	24	user	user	NOUN
bjmsr-2475	52	25	satisfaction	satisfaction	NOUN
bjmsr-2475	52	26	,	,	PUNCT
bjmsr-2475	52	27	trust	trust	NOUN
bjmsr-2475	52	28	in	in	ADP
bjmsr-2475	52	29	financial	financial	ADJ
bjmsr-2475	52	30	institutions	institution	NOUN
bjmsr-2475	52	31	,	,	PUNCT
bjmsr-2475	52	32	and	and	CCONJ
bjmsr-2475	52	33	perceived	perceive	VERB
bjmsr-2475	52	34	economic	economic	ADJ
bjmsr-2475	52	35	empowerment	empowerment	NOUN
bjmsr-2475	52	36	.	.	PUNCT
bjmsr-2475	53	1	its	its	PRON
bjmsr-2475	53	2	novelty	novelty	NOUN
bjmsr-2475	53	3	lies	lie	VERB
bjmsr-2475	53	4	in	in	ADP
bjmsr-2475	53	5	empirically	empirically	ADV
bjmsr-2475	53	6	analyzing	analyze	VERB
bjmsr-2475	53	7	how	how	SCONJ
bjmsr-2475	53	8	these	these	DET
bjmsr-2475	53	9	factors	factor	NOUN
bjmsr-2475	53	10	interact	interact	VERB
bjmsr-2475	53	11	to	to	PART
bjmsr-2475	53	12	shape	shape	VERB
bjmsr-2475	53	13	financial	financial	ADJ
bjmsr-2475	53	14	behaviors	behavior	NOUN
bjmsr-2475	53	15	in	in	ADP
bjmsr-2475	53	16	areas	area	NOUN
bjmsr-2475	53	17	where	where	SCONJ
bjmsr-2475	53	18	traditional	traditional	ADJ
bjmsr-2475	53	19	banking	banking	NOUN
bjmsr-2475	53	20	is	be	AUX
bjmsr-2475	53	21	limited	limit	VERB
bjmsr-2475	53	22	.	.	PUNCT
bjmsr-2475	54	1	given	give	VERB
bjmsr-2475	54	2	indonesia	indonesia	PROPN
bjmsr-2475	54	3	’s	’s	PART
bjmsr-2475	54	4	fast	fast	ADV
bjmsr-2475	54	5	-	-	PUNCT
bjmsr-2475	54	6	growing	grow	VERB
bjmsr-2475	54	7	digital	digital	ADJ
bjmsr-2475	54	8	ecosystem	ecosystem	NOUN
bjmsr-2475	54	9	,	,	PUNCT
bjmsr-2475	54	10	high	high	ADJ
bjmsr-2475	54	11	mobile	mobile	ADJ
bjmsr-2475	54	12	phone	phone	NOUN
bjmsr-2475	54	13	penetration	penetration	NOUN
bjmsr-2475	54	14	,	,	PUNCT
bjmsr-2475	54	15	and	and	CCONJ
bjmsr-2475	54	16	rising	rise	VERB
bjmsr-2475	54	17	interest	interest	NOUN
bjmsr-2475	54	18	in	in	ADP
bjmsr-2475	54	19	decentralized	decentralized	ADJ
bjmsr-2475	54	20	finance	finance	NOUN
bjmsr-2475	54	21	,	,	PUNCT
bjmsr-2475	54	22	the	the	DET
bjmsr-2475	54	23	study	study	NOUN
bjmsr-2475	54	24	offers	offer	VERB
bjmsr-2475	54	25	valuable	valuable	ADJ
bjmsr-2475	54	26	insights	insight	NOUN
bjmsr-2475	54	27	for	for	ADP
bjmsr-2475	54	28	policymakers	policymaker	NOUN
bjmsr-2475	54	29	,	,	PUNCT
bjmsr-2475	54	30	fintech	fintech	NOUN
bjmsr-2475	54	31	developers	developer	NOUN
bjmsr-2475	54	32	,	,	PUNCT
bjmsr-2475	54	33	and	and	CCONJ
bjmsr-2475	54	34	financial	financial	ADJ
bjmsr-2475	54	35	institutions	institution	NOUN
bjmsr-2475	54	36	aiming	aim	VERB
bjmsr-2475	54	37	to	to	PART
bjmsr-2475	54	38	design	design	VERB
bjmsr-2475	54	39	inclusive	inclusive	ADJ
bjmsr-2475	54	40	digital	digital	ADJ
bjmsr-2475	54	41	financial	financial	ADJ
bjmsr-2475	54	42	solutions	solution	NOUN
bjmsr-2475	54	43	(	(	PUNCT
bjmsr-2475	54	44	el	el	PROPN
bjmsr-2475	54	45	amri	amri	PROPN
bjmsr-2475	54	46	,	,	PUNCT
bjmsr-2475	54	47	mohammed	mohammed	PROPN
bjmsr-2475	54	48	&	&	CCONJ
bjmsr-2475	54	49	bakr	bakr	PROPN
bjmsr-2475	54	50	,	,	PUNCT
bjmsr-2475	54	51	2021	2021	NUM
bjmsr-2475	54	52	;	;	PUNCT
bjmsr-2475	54	53	demirgüç	demirgüç	PROPN
bjmsr-2475	54	54	-	-	PUNCT
bjmsr-2475	54	55	kunt	kunt	PROPN
bjmsr-2475	54	56	et	et	PROPN
bjmsr-2475	54	57	al	al	PROPN
bjmsr-2475	54	58	.	.	PROPN
bjmsr-2475	54	59	,	,	PUNCT
bjmsr-2475	54	60	2018	2018	NUM
bjmsr-2475	54	61	)	)	PUNCT
bjmsr-2475	54	62	.	.	PUNCT
bjmsr-2475	55	1	through	through	ADP
bjmsr-2475	55	2	a	a	DET
bjmsr-2475	55	3	comprehensive	comprehensive	ADJ
bjmsr-2475	55	4	analytical	analytical	ADJ
bjmsr-2475	55	5	framework	framework	NOUN
bjmsr-2475	55	6	,	,	PUNCT
bjmsr-2475	55	7	this	this	DET
bjmsr-2475	55	8	study	study	NOUN
bjmsr-2475	55	9	endeavors	endeavor	VERB
bjmsr-2475	55	10	to	to	PART
bjmsr-2475	55	11	offer	offer	VERB
bjmsr-2475	55	12	a	a	DET
bjmsr-2475	55	13	deeper	deep	ADJ
bjmsr-2475	55	14	insight	insight	NOUN
bjmsr-2475	55	15	into	into	ADP
bjmsr-2475	55	16	how	how	SCONJ
bjmsr-2475	55	17	digital	digital	ADJ
bjmsr-2475	55	18	financial	financial	ADJ
bjmsr-2475	55	19	innovations	innovation	NOUN
bjmsr-2475	55	20	particularly	particularly	ADV
bjmsr-2475	55	21	cryptocurrencies	cryptocurrencie	NOUN
bjmsr-2475	55	22	can	can	AUX
bjmsr-2475	55	23	drive	drive	VERB
bjmsr-2475	55	24	inclusive	inclusive	ADJ
bjmsr-2475	55	25	financial	financial	ADJ
bjmsr-2475	55	26	development	development	NOUN
bjmsr-2475	55	27	within	within	ADP
bjmsr-2475	55	28	emerging	emerge	VERB
bjmsr-2475	55	29	economies	economy	NOUN
bjmsr-2475	55	30	,	,	PUNCT
bjmsr-2475	55	31	with	with	ADP
bjmsr-2475	55	32	indonesia	indonesia	PROPN
bjmsr-2475	55	33	serving	serve	VERB
bjmsr-2475	55	34	as	as	ADP
bjmsr-2475	55	35	the	the	DET
bjmsr-2475	55	36	focal	focal	ADJ
bjmsr-2475	55	37	case	case	NOUN
bjmsr-2475	55	38	the	the	DET
bjmsr-2475	55	39	paper	paper	NOUN
bjmsr-2475	55	40	is	be	AUX
bjmsr-2475	55	41	organized	organize	VERB
bjmsr-2475	55	42	as	as	SCONJ
bjmsr-2475	55	43	follows	follow	VERB
bjmsr-2475	55	44	:	:	PUNCT
bjmsr-2475	55	45	a	a	DET
bjmsr-2475	55	46	brief	brief	ADJ
bjmsr-2475	55	47	introduction	introduction	NOUN
bjmsr-2475	55	48	to	to	ADP
bjmsr-2475	55	49	the	the	DET
bjmsr-2475	55	50	phenomenon	phenomenon	NOUN
bjmsr-2475	55	51	and	and	CCONJ
bjmsr-2475	55	52	research	research	NOUN
bjmsr-2475	55	53	background	background	NOUN
bjmsr-2475	55	54	in	in	ADP
bjmsr-2475	55	55	section	section	NOUN
bjmsr-2475	55	56	1	1	NUM
bjmsr-2475	55	57	.	.	PUNCT
bjmsr-2475	56	1	a	a	DET
bjmsr-2475	56	2	review	review	NOUN
bjmsr-2475	56	3	of	of	ADP
bjmsr-2475	56	4	theory	theory	NOUN
bjmsr-2475	56	5	and	and	CCONJ
bjmsr-2475	56	6	literature	literature	NOUN
bjmsr-2475	56	7	as	as	ADP
bjmsr-2475	56	8	a	a	DET
bjmsr-2475	56	9	development	development	NOUN
bjmsr-2475	56	10	for	for	ADP
bjmsr-2475	56	11	the	the	DET
bjmsr-2475	56	12	research	research	NOUN
bjmsr-2475	56	13	framework	framework	NOUN
bjmsr-2475	56	14	in	in	ADP
bjmsr-2475	56	15	section	section	NOUN
bjmsr-2475	56	16	2	2	NUM
bjmsr-2475	56	17	.	.	PUNCT
bjmsr-2475	57	1	the	the	DET
bjmsr-2475	57	2	research	research	NOUN
bjmsr-2475	57	3	methodology	methodology	NOUN
bjmsr-2475	57	4	used	use	VERB
bjmsr-2475	57	5	and	and	CCONJ
bjmsr-2475	57	6	characteristics	characteristic	NOUN
bjmsr-2475	57	7	of	of	ADP
bjmsr-2475	57	8	respondents	respondent	NOUN
bjmsr-2475	57	9	are	be	AUX
bjmsr-2475	57	10	described	describe	VERB
bjmsr-2475	57	11	in	in	ADP
bjmsr-2475	57	12	section	section	NOUN
bjmsr-2475	57	13	3	3	NUM
bjmsr-2475	57	14	,	,	PUNCT
bjmsr-2475	57	15	and	and	CCONJ
bjmsr-2475	57	16	results	result	NOUN
bjmsr-2475	57	17	and	and	CCONJ
bjmsr-2475	57	18	discussions	discussion	NOUN
bjmsr-2475	57	19	are	be	AUX
bjmsr-2475	57	20	presented	present	VERB
bjmsr-2475	57	21	in	in	ADP
bjmsr-2475	57	22	section	section	NOUN
bjmsr-2475	57	23	4	4	NUM
bjmsr-2475	57	24	,	,	PUNCT
bjmsr-2475	57	25	and	and	CCONJ
bjmsr-2475	57	26	the	the	DET
bjmsr-2475	57	27	paper	paper	NOUN
bjmsr-2475	57	28	concludes	conclude	VERB
bjmsr-2475	57	29	in	in	ADP
bjmsr-2475	57	30	section	section	NOUN
bjmsr-2475	57	31	5	5	NUM
bjmsr-2475	57	32	.	.	PUNCT
bjmsr-2475	58	1	literature	literature	NOUN
bjmsr-2475	58	2	review	review	NOUN
bjmsr-2475	58	3	cryptocurrencies	cryptocurrencie	NOUN
bjmsr-2475	58	4	are	be	AUX
bjmsr-2475	58	5	digital	digital	ADJ
bjmsr-2475	58	6	assets	asset	NOUN
bjmsr-2475	58	7	that	that	PRON
bjmsr-2475	58	8	function	function	VERB
bjmsr-2475	58	9	through	through	ADP
bjmsr-2475	58	10	decentralized	decentralize	VERB
bjmsr-2475	58	11	systems	system	NOUN
bjmsr-2475	58	12	,	,	PUNCT
bjmsr-2475	58	13	meaning	mean	VERB
bjmsr-2475	58	14	no	no	DET
bjmsr-2475	58	15	central	central	ADJ
bjmsr-2475	58	16	authority	authority	NOUN
bjmsr-2475	58	17	governs	govern	VERB
bjmsr-2475	58	18	them	they	PRON
bjmsr-2475	58	19	.	.	PUNCT
bjmsr-2475	59	1	secured	secure	VERB
bjmsr-2475	59	2	through	through	ADP
bjmsr-2475	59	3	cryptographic	cryptographic	ADJ
bjmsr-2475	59	4	protocols	protocol	NOUN
bjmsr-2475	59	5	and	and	CCONJ
bjmsr-2475	59	6	based	base	VERB
bjmsr-2475	59	7	on	on	ADP
bjmsr-2475	59	8	block	block	NOUN
bjmsr-2475	59	9	chain	chain	NOUN
bjmsr-2475	59	10	technology	technology	NOUN
bjmsr-2475	59	11	,	,	PUNCT
bjmsr-2475	59	12	these	these	DET
bjmsr-2475	59	13	assets	asset	NOUN
bjmsr-2475	59	14	lack	lack	VERB
bjmsr-2475	59	15	intrinsic	intrinsic	ADJ
bjmsr-2475	59	16	value	value	NOUN
bjmsr-2475	59	17	as	as	SCONJ
bjmsr-2475	59	18	physical	physical	ADJ
bjmsr-2475	59	19	commodities	commodity	NOUN
bjmsr-2475	59	20	like	like	ADP
bjmsr-2475	59	21	gold	gold	NOUN
bjmsr-2475	59	22	do	do	AUX
bjmsr-2475	59	23	not	not	PART
bjmsr-2475	59	24	back	back	VERB
bjmsr-2475	59	25	them	they	PRON
bjmsr-2475	59	26	.	.	PUNCT
bjmsr-2475	60	1	additionally	additionally	ADV
bjmsr-2475	60	2	,	,	PUNCT
bjmsr-2475	60	3	they	they	PRON
bjmsr-2475	60	4	exist	exist	VERB
bjmsr-2475	60	5	purely	purely	ADV
bjmsr-2475	60	6	in	in	ADP
bjmsr-2475	60	7	digital	digital	ADJ
bjmsr-2475	60	8	form	form	NOUN
bjmsr-2475	60	9	without	without	ADP
bjmsr-2475	60	10	any	any	DET
bjmsr-2475	60	11	tangible	tangible	ADJ
bjmsr-2475	60	12	representation	representation	NOUN
bjmsr-2475	60	13	.	.	PUNCT
bjmsr-2475	61	1	cryptocurrencies	cryptocurrencie	NOUN
bjmsr-2475	61	2	offer	offer	VERB
bjmsr-2475	61	3	practical	practical	ADJ
bjmsr-2475	61	4	utility	utility	NOUN
bjmsr-2475	61	5	and	and	CCONJ
bjmsr-2475	61	6	precise	precise	ADJ
bjmsr-2475	61	7	traceability	traceability	NOUN
bjmsr-2475	61	8	.	.	PUNCT
bjmsr-2475	62	1	although	although	SCONJ
bjmsr-2475	62	2	intangible	intangible	ADJ
bjmsr-2475	62	3	,	,	PUNCT
bjmsr-2475	62	4	cryptocurrencies	cryptocurrencie	NOUN
bjmsr-2475	62	5	are	be	AUX
bjmsr-2475	62	6	highly	highly	ADV
bjmsr-2475	62	7	transparent	transparent	ADJ
bjmsr-2475	62	8	due	due	ADP
bjmsr-2475	62	9	to	to	ADP
bjmsr-2475	62	10	the	the	DET
bjmsr-2475	62	11	blockchain	blockchain	NOUN
bjmsr-2475	62	12	's	's	PART
bjmsr-2475	62	13	immutable	immutable	ADJ
bjmsr-2475	62	14	nature	nature	NOUN
bjmsr-2475	62	15	.	.	PUNCT
bjmsr-2475	63	1	therefore	therefore	ADV
bjmsr-2475	63	2	,	,	PUNCT
bjmsr-2475	63	3	the	the	DET
bjmsr-2475	63	4	transfer	transfer	NOUN
bjmsr-2475	63	5	of	of	ADP
bjmsr-2475	63	6	cryptocurrencies	cryptocurrencie	NOUN
bjmsr-2475	63	7	is	be	AUX
bjmsr-2475	63	8	100	100	NUM
bjmsr-2475	63	9	%	%	NOUN
bjmsr-2475	63	10	digital	digital	NOUN
bjmsr-2475	63	11	-	-	PUNCT
bjmsr-2475	63	12	based	base	VERB
bjmsr-2475	63	13	in	in	ADP
bjmsr-2475	63	14	nature	nature	NOUN
bjmsr-2475	63	15	and	and	CCONJ
bjmsr-2475	63	16	conducted	conduct	VERB
bjmsr-2475	63	17	between	between	ADP
bjmsr-2475	63	18	two	two	NUM
bjmsr-2475	63	19	individuals	individual	NOUN
bjmsr-2475	63	20	or	or	CCONJ
bjmsr-2475	63	21	organizations	organization	NOUN
bjmsr-2475	63	22	through	through	ADP
bjmsr-2475	63	23	online	online	ADJ
bjmsr-2475	63	24	exchange	exchange	NOUN
bjmsr-2475	63	25	platforms	platform	NOUN
bjmsr-2475	63	26	(	(	PUNCT
bjmsr-2475	63	27	harsono	harsono	PROPN
bjmsr-2475	63	28	,	,	PUNCT
bjmsr-2475	63	29	2020	2020	NUM
bjmsr-2475	63	30	)	)	PUNCT
bjmsr-2475	63	31	.	.	PUNCT
bjmsr-2475	64	1	in	in	ADP
bjmsr-2475	64	2	blockchain	blockchain	PROPN
bjmsr-2475	64	3	based	base	VERB
bjmsr-2475	64	4	virtual	virtual	ADJ
bjmsr-2475	64	5	currency	currency	NOUN
bjmsr-2475	64	6	systems	system	NOUN
bjmsr-2475	64	7	like	like	ADP
bjmsr-2475	64	8	bitcoin	bitcoin	NOUN
bjmsr-2475	64	9	,	,	PUNCT
bjmsr-2475	64	10	transactions	transaction	NOUN
bjmsr-2475	64	11	occur	occur	VERB
bjmsr-2475	64	12	directly	directly	ADV
bjmsr-2475	64	13	between	between	ADP
bjmsr-2475	64	14	users	user	NOUN
bjmsr-2475	64	15	without	without	ADP
bjmsr-2475	64	16	relying	rely	VERB
bjmsr-2475	64	17	on	on	ADP
bjmsr-2475	64	18	intermediaries	intermediary	NOUN
bjmsr-2475	64	19	such	such	ADJ
bjmsr-2475	64	20	as	as	ADP
bjmsr-2475	64	21	banks	bank	NOUN
bjmsr-2475	64	22	(	(	PUNCT
bjmsr-2475	64	23	swan	swan	NOUN
bjmsr-2475	64	24	,	,	PUNCT
bjmsr-2475	64	25	2015	2015	NUM
bjmsr-2475	64	26	)	)	PUNCT
bjmsr-2475	64	27	.	.	PUNCT
bjmsr-2475	65	1	as	as	ADP
bjmsr-2475	65	2	a	a	DET
bjmsr-2475	65	3	result	result	NOUN
bjmsr-2475	65	4	,	,	PUNCT
bjmsr-2475	65	5	these	these	DET
bjmsr-2475	65	6	transactions	transaction	NOUN
bjmsr-2475	65	7	typically	typically	ADV
bjmsr-2475	65	8	incur	incur	VERB
bjmsr-2475	65	9	no	no	DET
bjmsr-2475	65	10	fees	fee	NOUN
bjmsr-2475	65	11	and	and	CCONJ
bjmsr-2475	65	12	do	do	AUX
bjmsr-2475	65	13	not	not	PART
bjmsr-2475	65	14	include	include	VERB
bjmsr-2475	65	15	the	the	DET
bjmsr-2475	65	16	real	real	ADJ
bjmsr-2475	65	17	names	name	NOUN
bjmsr-2475	65	18	of	of	ADP
bjmsr-2475	65	19	senders	sender	NOUN
bjmsr-2475	65	20	.	.	PUNCT
bjmsr-2475	66	1	additionally	additionally	ADV
bjmsr-2475	66	2	,	,	PUNCT
bjmsr-2475	66	3	there	there	PRON
bjmsr-2475	66	4	is	be	VERB
bjmsr-2475	66	5	ongoing	ongoing	ADJ
bjmsr-2475	66	6	interest	interest	NOUN
bjmsr-2475	66	7	in	in	ADP
bjmsr-2475	66	8	whether	whether	SCONJ
bjmsr-2475	66	9	such	such	ADJ
bjmsr-2475	66	10	digital	digital	ADJ
bjmsr-2475	66	11	currencies	currency	NOUN
bjmsr-2475	66	12	will	will	AUX
bjmsr-2475	66	13	become	become	VERB
bjmsr-2475	66	14	part	part	NOUN
bjmsr-2475	66	15	of	of	ADP
bjmsr-2475	66	16	the	the	DET
bjmsr-2475	66	17	global	global	ADJ
bjmsr-2475	66	18	financial	financial	ADJ
bjmsr-2475	66	19	system	system	NOUN
bjmsr-2475	66	20	.	.	PUNCT
bjmsr-2475	67	1	each	each	DET
bjmsr-2475	67	2	bitcoin	bitcoin	ADJ
bjmsr-2475	67	3	transaction	transaction	NOUN
bjmsr-2475	67	4	is	be	AUX
bjmsr-2475	67	5	added	add	VERB
bjmsr-2475	67	6	to	to	ADP
bjmsr-2475	67	7	a	a	DET
bjmsr-2475	67	8	public	public	ADJ
bjmsr-2475	67	9	ledger	ledger	NOUN
bjmsr-2475	67	10	called	call	VERB
bjmsr-2475	67	11	the	the	DET
bjmsr-2475	67	12	blockchain	blockchain	NOUN
bjmsr-2475	67	13	,	,	PUNCT
bjmsr-2475	67	14	but	but	CCONJ
bjmsr-2475	67	15	it	it	PRON
bjmsr-2475	67	16	only	only	ADV
bjmsr-2475	67	17	identifies	identify	VERB
bjmsr-2475	67	18	the	the	DET
bjmsr-2475	67	19	parties	party	NOUN
bjmsr-2475	67	20	by	by	ADP
bjmsr-2475	67	21	numbers	number	NOUN
bjmsr-2475	67	22	known	know	VERB
bjmsr-2475	67	23	as	as	ADP
bjmsr-2475	67	24	bitcoin	bitcoin	NOUN
bjmsr-2475	67	25	addresses	address	NOUN
bjmsr-2475	67	26	(	(	PUNCT
bjmsr-2475	67	27	rudolf	rudolf	NOUN
bjmsr-2475	67	28	&	&	CCONJ
bjmsr-2475	67	29	morely	morely	ADV
bjmsr-2475	67	30	,	,	PUNCT
bjmsr-2475	67	31	2020	2020	NUM
bjmsr-2475	67	32	)	)	PUNCT
bjmsr-2475	67	33	.	.	PUNCT
bjmsr-2475	68	1	since	since	SCONJ
bjmsr-2475	68	2	its	its	PRON
bjmsr-2475	68	3	introduction	introduction	NOUN
bjmsr-2475	68	4	in	in	ADP
bjmsr-2475	68	5	2009	2009	NUM
bjmsr-2475	68	6	,	,	PUNCT
bjmsr-2475	68	7	bitcoin	bitcoin	PROPN
bjmsr-2475	68	8	has	have	AUX
bjmsr-2475	68	9	gained	gain	VERB
bjmsr-2475	68	10	significant	significant	ADJ
bjmsr-2475	68	11	attention	attention	NOUN
bjmsr-2475	68	12	,	,	PUNCT
bjmsr-2475	68	13	particularly	particularly	ADV
bjmsr-2475	68	14	due	due	ADJ
bjmsr-2475	68	15	to	to	ADP
bjmsr-2475	68	16	its	its	PRON
bjmsr-2475	68	17	recent	recent	ADJ
bjmsr-2475	68	18	surge	surge	NOUN
bjmsr-2475	68	19	in	in	ADP
bjmsr-2475	68	20	value	value	NOUN
bjmsr-2475	68	21	(	(	PUNCT
bjmsr-2475	68	22	golumbia	golumbia	NOUN
bjmsr-2475	68	23	,	,	PUNCT
bjmsr-2475	68	24	2016	2016	NUM
bjmsr-2475	68	25	)	)	PUNCT
bjmsr-2475	68	26	.	.	PUNCT
bjmsr-2475	69	1	in	in	ADP
bjmsr-2475	69	2	emerging	emerge	VERB
bjmsr-2475	69	3	countries	country	NOUN
bjmsr-2475	69	4	like	like	ADP
bjmsr-2475	69	5	china	china	PROPN
bjmsr-2475	69	6	,	,	PUNCT
bjmsr-2475	69	7	they	they	PRON
bjmsr-2475	69	8	announced	announce	VERB
bjmsr-2475	69	9	a	a	DET
bjmsr-2475	69	10	total	total	NOUN
bjmsr-2475	69	11	of	of	ADP
bjmsr-2475	69	12	3547	3547	NUM
bjmsr-2475	69	13	patents	patent	NOUN
bjmsr-2475	69	14	on	on	ADP
bjmsr-2475	69	15	blockchain	blockchain	PROPN
bjmsr-2475	69	16	technologies	technology	NOUN
bjmsr-2475	69	17	in	in	ADP
bjmsr-2475	69	18	2019	2019	NUM
bjmsr-2475	69	19	,	,	PUNCT
bjmsr-2475	69	20	which	which	PRON
bjmsr-2475	69	21	is	be	AUX
bjmsr-2475	69	22	more	more	ADJ
bjmsr-2475	69	23	than	than	ADP
bjmsr-2475	69	24	in	in	ADP
bjmsr-2475	69	25	the	the	DET
bjmsr-2475	69	26	whole	whole	NOUN
bjmsr-2475	69	27	of	of	ADP
bjmsr-2475	69	28	2018	2018	NUM
bjmsr-2475	69	29	and	and	CCONJ
bjmsr-2475	69	30	accounts	account	VERB
bjmsr-2475	69	31	for	for	ADP
bjmsr-2475	69	32	over	over	ADP
bjmsr-2475	69	33	half	half	NOUN
bjmsr-2475	69	34	of	of	ADP
bjmsr-2475	69	35	the	the	DET
bjmsr-2475	69	36	world	world	NOUN
bjmsr-2475	69	37	's	's	PART
bjmsr-2475	69	38	total	total	NOUN
bjmsr-2475	69	39	(	(	PUNCT
bjmsr-2475	69	40	ekman	ekman	NOUN
bjmsr-2475	69	41	,	,	PUNCT
bjmsr-2475	69	42	2021	2021	NUM
bjmsr-2475	69	43	)	)	PUNCT
bjmsr-2475	69	44	.	.	PUNCT
bjmsr-2475	70	1	the	the	DET
bjmsr-2475	70	2	2020	2020	NUM
bjmsr-2475	70	3	geography	geography	NOUN
bjmsr-2475	70	4	of	of	ADP
bjmsr-2475	70	5	cryptocurrency	cryptocurrency	NOUN
bjmsr-2475	70	6	report	report	NOUN
bjmsr-2475	70	7	by	by	ADP
bjmsr-2475	70	8	chainalysis	chainalysis	NOUN
bjmsr-2475	70	9	highlights	highlight	NOUN
bjmsr-2475	70	10	that	that	PRON
bjmsr-2475	70	11	cryptocurrency	cryptocurrency	NOUN
bjmsr-2475	70	12	adoption	adoption	NOUN
bjmsr-2475	70	13	is	be	AUX
bjmsr-2475	70	14	most	most	ADV
bjmsr-2475	70	15	prevalent	prevalent	ADJ
bjmsr-2475	70	16	in	in	ADP
bjmsr-2475	70	17	regions	region	NOUN
bjmsr-2475	70	18	such	such	ADJ
bjmsr-2475	70	19	as	as	ADP
bjmsr-2475	70	20	latin	latin	PROPN
bjmsr-2475	70	21	america	america	PROPN
bjmsr-2475	70	22	,	,	PUNCT
bjmsr-2475	70	23	africa	africa	PROPN
bjmsr-2475	70	24	,	,	PUNCT
bjmsr-2475	70	25	and	and	CCONJ
bjmsr-2475	70	26	asia	asia	PROPN
bjmsr-2475	70	27	areas	area	NOUN
bjmsr-2475	70	28	typically	typically	ADV
bjmsr-2475	70	29	characterized	characterize	VERB
bjmsr-2475	70	30	by	by	ADP
bjmsr-2475	70	31	high	high	ADJ
bjmsr-2475	70	32	inflation	inflation	NOUN
bjmsr-2475	70	33	,	,	PUNCT
bjmsr-2475	70	34	volatile	volatile	ADJ
bjmsr-2475	70	35	currencies	currency	NOUN
bjmsr-2475	70	36	,	,	PUNCT
bjmsr-2475	70	37	and	and	CCONJ
bjmsr-2475	70	38	restricted	restrict	VERB
bjmsr-2475	70	39	access	access	NOUN
bjmsr-2475	70	40	to	to	ADP
bjmsr-2475	70	41	formal	formal	ADJ
bjmsr-2475	70	42	banking	banking	NOUN
bjmsr-2475	70	43	services	service	NOUN
bjmsr-2475	70	44	(	(	PUNCT
bjmsr-2475	70	45	chainalysis	chainalysis	NOUN
bjmsr-2475	70	46	,	,	PUNCT
bjmsr-2475	70	47	2020	2020	NUM
bjmsr-2475	70	48	)	)	PUNCT
bjmsr-2475	70	49	.	.	PUNCT
bjmsr-2475	71	1	bitcoin	bitcoin	PROPN
bjmsr-2475	71	2	,	,	PUNCT
bjmsr-2475	71	3	however	however	ADV
bjmsr-2475	71	4	,	,	PUNCT
bjmsr-2475	71	5	is	be	AUX
bjmsr-2475	71	6	only	only	ADV
bjmsr-2475	71	7	one	one	NUM
bjmsr-2475	71	8	of	of	ADP
bjmsr-2475	71	9	several	several	ADJ
bjmsr-2475	71	10	possible	possible	ADJ
bjmsr-2475	71	11	applications	application	NOUN
bjmsr-2475	71	12	that	that	PRON
bjmsr-2475	71	13	blockchain	blockchain	PROPN
bjmsr-2475	71	14	enables	enable	VERB
bjmsr-2475	71	15	,	,	PUNCT
bjmsr-2475	71	16	and	and	CCONJ
bjmsr-2475	71	17	it	it	PRON
bjmsr-2475	71	18	is	be	AUX
bjmsr-2475	71	19	important	important	ADJ
bjmsr-2475	71	20	not	not	PART
bjmsr-2475	71	21	to	to	PART
bjmsr-2475	71	22	conflate	conflate	VERB
bjmsr-2475	71	23	the	the	DET
bjmsr-2475	71	24	two	two	NUM
bjmsr-2475	71	25	.	.	PUNCT
bjmsr-2475	72	1	the	the	DET
bjmsr-2475	72	2	blockchain	blockchain	PROPN
bjmsr-2475	72	3	is	be	AUX
bjmsr-2475	72	4	an	an	DET
bjmsr-2475	72	5	example	example	NOUN
bjmsr-2475	72	6	of	of	ADP
bjmsr-2475	72	7	a	a	DET
bjmsr-2475	72	8	distributed	distribute	VERB
bjmsr-2475	72	9	ledger	ledger	NOUN
bjmsr-2475	72	10	technology	technology	NOUN
bjmsr-2475	72	11	(	(	PUNCT
bjmsr-2475	72	12	dlt	dlt	PROPN
bjmsr-2475	72	13	)	)	PUNCT
bjmsr-2475	72	14	in	in	ADP
bjmsr-2475	72	15	which	which	PRON
bjmsr-2475	72	16	there	there	PRON
bjmsr-2475	72	17	is	be	VERB
bjmsr-2475	72	18	no	no	DET
bjmsr-2475	72	19	authoritative	authoritative	ADJ
bjmsr-2475	72	20	account	account	NOUN
bjmsr-2475	72	21	holder	holder	NOUN
bjmsr-2475	72	22	or	or	CCONJ
bjmsr-2475	72	23	central	central	ADJ
bjmsr-2475	72	24	location	location	NOUN
bjmsr-2475	72	25	for	for	ADP
bjmsr-2475	72	26	data	data	NOUN
bjmsr-2475	72	27	storage	storage	NOUN
bjmsr-2475	72	28	(	(	PUNCT
bjmsr-2475	72	29	ulfstjerne	ulfstjerne	ADJ
bjmsr-2475	72	30	,	,	PUNCT
bjmsr-2475	72	31	2020	2020	NUM
bjmsr-2475	72	32	)	)	PUNCT
bjmsr-2475	72	33	.	.	PUNCT
bjmsr-2475	73	1	in	in	ADP
bjmsr-2475	73	2	nations	nation	NOUN
bjmsr-2475	73	3	like	like	ADP
bjmsr-2475	73	4	indonesia	indonesia	PROPN
bjmsr-2475	73	5	,	,	PUNCT
bjmsr-2475	73	6	nigeria	nigeria	PROPN
bjmsr-2475	73	7	,	,	PUNCT
bjmsr-2475	73	8	venezuela	venezuela	PROPN
bjmsr-2475	73	9	,	,	PUNCT
bjmsr-2475	73	10	and	and	CCONJ
bjmsr-2475	73	11	el	el	PROPN
bjmsr-2475	73	12	salvador	salvador	PROPN
bjmsr-2475	73	13	,	,	PUNCT
bjmsr-2475	73	14	cryptocurrencies	cryptocurrencie	NOUN
bjmsr-2475	73	15	are	be	AUX
bjmsr-2475	73	16	increasingly	increasingly	ADV
bjmsr-2475	73	17	utilized	utilize	VERB
bjmsr-2475	73	18	as	as	ADP
bjmsr-2475	73	19	a	a	DET
bjmsr-2475	73	20	hedge	hedge	NOUN
bjmsr-2475	73	21	against	against	ADP
bjmsr-2475	73	22	currency	currency	NOUN
bjmsr-2475	73	23	depreciation	depreciation	NOUN
bjmsr-2475	73	24	,	,	PUNCT
bjmsr-2475	73	25	a	a	DET
bjmsr-2475	73	26	means	means	NOUN
bjmsr-2475	73	27	of	of	ADP
bjmsr-2475	73	28	preserving	preserve	VERB
bjmsr-2475	73	29	value	value	NOUN
bjmsr-2475	73	30	,	,	PUNCT
bjmsr-2475	73	31	and	and	CCONJ
bjmsr-2475	73	32	a	a	DET
bjmsr-2475	73	33	tool	tool	NOUN
bjmsr-2475	73	34	for	for	ADP
bjmsr-2475	73	35	enabling	enable	VERB
bjmsr-2475	73	36	financial	financial	ADJ
bjmsr-2475	73	37	transactions	transaction	NOUN
bjmsr-2475	73	38	that	that	PRON
bjmsr-2475	73	39	circumvent	circumvent	VERB
bjmsr-2475	73	40	the	the	DET
bjmsr-2475	73	41	limitations	limitation	NOUN
bjmsr-2475	73	42	of	of	ADP
bjmsr-2475	73	43	conventional	conventional	ADJ
bjmsr-2475	73	44	banking	banking	NOUN
bjmsr-2475	73	45	infrastructure	infrastructure	NOUN
bjmsr-2475	73	46	.	.	PUNCT
bjmsr-2475	74	1	before	before	SCONJ
bjmsr-2475	74	2	indonesia	indonesia	PROPN
bjmsr-2475	74	3	’s	’s	PART
bjmsr-2475	74	4	digital	digital	ADJ
bjmsr-2475	74	5	economy	economy	NOUN
bjmsr-2475	74	6	boom	boom	NOUN
bjmsr-2475	74	7	,	,	PUNCT
bjmsr-2475	74	8	co	co	NOUN
bjmsr-2475	74	9	-	-	NOUN
bjmsr-2475	74	10	regulation	regulation	NOUN
bjmsr-2475	74	11	was	be	AUX
bjmsr-2475	74	12	only	only	ADV
bjmsr-2475	74	13	apparent	apparent	ADJ
bjmsr-2475	74	14	in	in	ADP
bjmsr-2475	74	15	the	the	DET
bjmsr-2475	74	16	conventional	conventional	ADJ
bjmsr-2475	74	17	financial	financial	ADJ
bjmsr-2475	74	18	sector	sector	NOUN
bjmsr-2475	74	19	,	,	PUNCT
bjmsr-2475	74	20	particularly	particularly	ADV
bjmsr-2475	74	21	in	in	ADP
bjmsr-2475	74	22	the	the	DET
bjmsr-2475	74	23	capital	capital	NOUN
bjmsr-2475	74	24	market	market	NOUN
bjmsr-2475	74	25	.	.	PUNCT
bjmsr-2475	75	1	this	this	PRON
bjmsr-2475	75	2	has	have	AUX
bjmsr-2475	75	3	better	well	ADV
bjmsr-2475	75	4	prepared	prepare	VERB
bjmsr-2475	75	5	the	the	DET
bjmsr-2475	75	6	financial	financial	ADJ
bjmsr-2475	75	7	sector	sector	NOUN
bjmsr-2475	75	8	to	to	PART
bjmsr-2475	75	9	participate	participate	VERB
bjmsr-2475	75	10	in	in	ADP
bjmsr-2475	75	11	co	co	NOUN
bjmsr-2475	75	12	-	-	NOUN
bjmsr-2475	75	13	regulation	regulation	NOUN
bjmsr-2475	75	14	as	as	SCONJ
bjmsr-2475	75	15	the	the	DET
bjmsr-2475	75	16	digital	digital	ADJ
bjmsr-2475	75	17	economy	economy	NOUN
bjmsr-2475	75	18	develops	develop	VERB
bjmsr-2475	75	19	(	(	PUNCT
bjmsr-2475	75	20	audrine	audrine	NOUN
bjmsr-2475	75	21	&	&	CCONJ
bjmsr-2475	75	22	murwani	murwani	PROPN
bjmsr-2475	75	23	,	,	PUNCT
bjmsr-2475	75	24	2021	2021	NUM
bjmsr-2475	75	25	)	)	PUNCT
bjmsr-2475	75	26	.	.	PUNCT
bjmsr-2475	76	1	ferli	ferli	PROPN
bjmsr-2475	76	2	et	et	PROPN
bjmsr-2475	76	3	al	al	PROPN
bjmsr-2475	76	4	.	.	PROPN
bjmsr-2475	76	5	,	,	PUNCT
bjmsr-2475	76	6	bangladesh	bangladesh	PROPN
bjmsr-2475	76	7	journal	journal	NOUN
bjmsr-2475	76	8	of	of	ADP
bjmsr-2475	76	9	multidisciplinary	multidisciplinary	ADJ
bjmsr-2475	76	10	scientific	scientific	ADJ
bjmsr-2475	76	11	research	research	NOUN
bjmsr-2475	76	12	10(5	10(5	NOUN
bjmsr-2475	76	13	)	)	PUNCT
bjmsr-2475	76	14	(	(	PUNCT
bjmsr-2475	76	15	2025	2025	NUM
bjmsr-2475	76	16	)	)	PUNCT
bjmsr-2475	76	17	,	,	PUNCT
bjmsr-2475	76	18	46	46	NUM
bjmsr-2475	76	19	-	-	SYM
bjmsr-2475	76	20	55	55	NUM
bjmsr-2475	76	21	48	48	NUM
bjmsr-2475	76	22	in	in	ADP
bjmsr-2475	76	23	countries	country	NOUN
bjmsr-2475	76	24	where	where	SCONJ
bjmsr-2475	76	25	over	over	ADP
bjmsr-2475	76	26	80	80	NUM
bjmsr-2475	76	27	%	%	NOUN
bjmsr-2475	76	28	of	of	ADP
bjmsr-2475	76	29	the	the	DET
bjmsr-2475	76	30	population	population	NOUN
bjmsr-2475	76	31	has	have	VERB
bjmsr-2475	76	32	a	a	DET
bjmsr-2475	76	33	financial	financial	ADJ
bjmsr-2475	76	34	account	account	NOUN
bjmsr-2475	76	35	such	such	ADJ
bjmsr-2475	76	36	as	as	ADP
bjmsr-2475	76	37	china	china	PROPN
bjmsr-2475	76	38	,	,	PUNCT
bjmsr-2475	76	39	kenya	kenya	PROPN
bjmsr-2475	76	40	,	,	PUNCT
bjmsr-2475	76	41	india	india	PROPN
bjmsr-2475	76	42	,	,	PUNCT
bjmsr-2475	76	43	and	and	CCONJ
bjmsr-2475	76	44	thailand	thailand	PROPN
bjmsr-2475	76	45	the	the	DET
bjmsr-2475	76	46	focus	focus	NOUN
bjmsr-2475	76	47	is	be	AUX
bjmsr-2475	76	48	now	now	ADV
bjmsr-2475	76	49	shifting	shift	VERB
bjmsr-2475	76	50	from	from	ADP
bjmsr-2475	76	51	merely	merely	ADV
bjmsr-2475	76	52	providing	provide	VERB
bjmsr-2475	76	53	access	access	NOUN
bjmsr-2475	76	54	to	to	ADP
bjmsr-2475	76	55	encouraging	encourage	VERB
bjmsr-2475	76	56	more	more	ADV
bjmsr-2475	76	57	active	active	ADJ
bjmsr-2475	76	58	use	use	NOUN
bjmsr-2475	76	59	of	of	ADP
bjmsr-2475	76	60	a	a	DET
bjmsr-2475	76	61	wider	wide	ADJ
bjmsr-2475	76	62	array	array	NOUN
bjmsr-2475	76	63	of	of	ADP
bjmsr-2475	76	64	financial	financial	ADJ
bjmsr-2475	76	65	services	service	NOUN
bjmsr-2475	76	66	.	.	PUNCT
bjmsr-2475	77	1	although	although	SCONJ
bjmsr-2475	77	2	global	global	ADJ
bjmsr-2475	77	3	savings	saving	NOUN
bjmsr-2475	77	4	rose	rise	VERB
bjmsr-2475	77	5	between	between	ADP
bjmsr-2475	77	6	2011	2011	NUM
bjmsr-2475	77	7	and	and	CCONJ
bjmsr-2475	77	8	2021	2021	NUM
bjmsr-2475	77	9	,	,	PUNCT
bjmsr-2475	77	10	the	the	DET
bjmsr-2475	77	11	disparity	disparity	NOUN
bjmsr-2475	77	12	between	between	ADP
bjmsr-2475	77	13	advanced	advanced	ADJ
bjmsr-2475	77	14	and	and	CCONJ
bjmsr-2475	77	15	developing	develop	VERB
bjmsr-2475	77	16	economies	economy	NOUN
bjmsr-2475	77	17	grew	grow	VERB
bjmsr-2475	77	18	,	,	PUNCT
bjmsr-2475	77	19	with	with	ADP
bjmsr-2475	77	20	savings	saving	NOUN
bjmsr-2475	77	21	rates	rate	NOUN
bjmsr-2475	77	22	at	at	ADP
bjmsr-2475	77	23	58	58	NUM
bjmsr-2475	77	24	%	%	NOUN
bjmsr-2475	77	25	and	and	CCONJ
bjmsr-2475	77	26	25	25	NUM
bjmsr-2475	77	27	%	%	NOUN
bjmsr-2475	77	28	,	,	PUNCT
bjmsr-2475	77	29	respectively	respectively	ADV
bjmsr-2475	77	30	.	.	PUNCT
bjmsr-2475	78	1	expanding	expand	VERB
bjmsr-2475	78	2	financial	financial	ADJ
bjmsr-2475	78	3	services	service	NOUN
bjmsr-2475	78	4	to	to	ADP
bjmsr-2475	78	5	those	those	PRON
bjmsr-2475	78	6	who	who	PRON
bjmsr-2475	78	7	remain	remain	AUX
bjmsr-2475	78	8	excluded	exclude	VERB
bjmsr-2475	78	9	or	or	CCONJ
bjmsr-2475	78	10	underserved	underserved	ADJ
bjmsr-2475	78	11	is	be	AUX
bjmsr-2475	78	12	a	a	DET
bjmsr-2475	78	13	key	key	ADJ
bjmsr-2475	78	14	element	element	NOUN
bjmsr-2475	78	15	in	in	ADP
bjmsr-2475	78	16	promoting	promote	VERB
bjmsr-2475	78	17	inclusive	inclusive	ADJ
bjmsr-2475	78	18	growth	growth	NOUN
bjmsr-2475	78	19	and	and	CCONJ
bjmsr-2475	78	20	reducing	reduce	VERB
bjmsr-2475	78	21	poverty	poverty	NOUN
bjmsr-2475	78	22	(	(	PUNCT
bjmsr-2475	78	23	demirgüç	demirgüç	NOUN
bjmsr-2475	78	24	-	-	PUNCT
bjmsr-2475	78	25	kunt	kunt	PROPN
bjmsr-2475	78	26	et	et	PROPN
bjmsr-2475	78	27	al	al	PROPN
bjmsr-2475	78	28	.	.	PROPN
bjmsr-2475	78	29	,	,	PUNCT
bjmsr-2475	78	30	2018	2018	NUM
bjmsr-2475	78	31	)	)	PUNCT
bjmsr-2475	78	32	.	.	PUNCT
bjmsr-2475	79	1	theoretically	theoretically	ADV
bjmsr-2475	79	2	,	,	PUNCT
bjmsr-2475	79	3	cryptocurrency	cryptocurrency	NOUN
bjmsr-2475	79	4	has	have	VERB
bjmsr-2475	79	5	the	the	DET
bjmsr-2475	79	6	potential	potential	NOUN
bjmsr-2475	79	7	to	to	PART
bjmsr-2475	79	8	directly	directly	ADV
bjmsr-2475	79	9	enhance	enhance	VERB
bjmsr-2475	79	10	financial	financial	ADJ
bjmsr-2475	79	11	inclusion	inclusion	NOUN
bjmsr-2475	79	12	by	by	ADP
bjmsr-2475	79	13	providing	provide	VERB
bjmsr-2475	79	14	an	an	DET
bjmsr-2475	79	15	alternative	alternative	NOUN
bjmsr-2475	79	16	for	for	ADP
bjmsr-2475	79	17	the	the	DET
bjmsr-2475	79	18	unbanked	unbanked	NOUN
bjmsr-2475	79	19	.	.	PUNCT
bjmsr-2475	80	1	research	research	NOUN
bjmsr-2475	80	2	by	by	ADP
bjmsr-2475	80	3	el	el	PROPN
bjmsr-2475	80	4	amri	amri	PROPN
bjmsr-2475	80	5	et	et	PROPN
bjmsr-2475	80	6	al	al	PROPN
bjmsr-2475	80	7	.	.	PROPN
bjmsr-2475	81	1	(	(	PUNCT
bjmsr-2475	81	2	2021	2021	NUM
bjmsr-2475	81	3	)	)	PUNCT
bjmsr-2475	81	4	highlights	highlight	NOUN
bjmsr-2475	81	5	explicitly	explicitly	ADV
bjmsr-2475	81	6	how	how	SCONJ
bjmsr-2475	81	7	the	the	DET
bjmsr-2475	81	8	integration	integration	NOUN
bjmsr-2475	81	9	of	of	ADP
bjmsr-2475	81	10	crypto	crypto	NOUN
bjmsr-2475	81	11	with	with	ADP
bjmsr-2475	81	12	mobile	mobile	ADJ
bjmsr-2475	81	13	money	money	NOUN
bjmsr-2475	81	14	platforms	platform	NOUN
bjmsr-2475	81	15	can	can	AUX
bjmsr-2475	81	16	directly	directly	ADV
bjmsr-2475	81	17	expand	expand	VERB
bjmsr-2475	81	18	the	the	DET
bjmsr-2475	81	19	reach	reach	NOUN
bjmsr-2475	81	20	of	of	ADP
bjmsr-2475	81	21	financial	financial	ADJ
bjmsr-2475	81	22	services	service	NOUN
bjmsr-2475	81	23	.	.	PUNCT
bjmsr-2475	82	1	however	however	ADV
bjmsr-2475	82	2	,	,	PUNCT
bjmsr-2475	82	3	other	other	ADJ
bjmsr-2475	82	4	studies	study	NOUN
bjmsr-2475	82	5	like	like	ADP
bjmsr-2475	82	6	el	el	PROPN
bjmsr-2475	82	7	hajj	hajj	PROPN
bjmsr-2475	82	8	and	and	CCONJ
bjmsr-2475	82	9	farran	farran	NOUN
bjmsr-2475	82	10	(	(	PUNCT
bjmsr-2475	82	11	2024	2024	NUM
bjmsr-2475	82	12	)	)	PUNCT
bjmsr-2475	82	13	argue	argue	VERB
bjmsr-2475	82	14	that	that	SCONJ
bjmsr-2475	82	15	this	this	DET
bjmsr-2475	82	16	direct	direct	ADJ
bjmsr-2475	82	17	impact	impact	NOUN
bjmsr-2475	82	18	is	be	AUX
bjmsr-2475	82	19	often	often	ADV
bjmsr-2475	82	20	hindered	hinder	VERB
bjmsr-2475	82	21	by	by	ADP
bjmsr-2475	82	22	factors	factor	NOUN
bjmsr-2475	82	23	such	such	ADJ
bjmsr-2475	82	24	as	as	ADP
bjmsr-2475	82	25	low	low	ADJ
bjmsr-2475	82	26	digital	digital	ADJ
bjmsr-2475	82	27	literacy	literacy	NOUN
bjmsr-2475	82	28	and	and	CCONJ
bjmsr-2475	82	29	the	the	DET
bjmsr-2475	82	30	lack	lack	NOUN
bjmsr-2475	82	31	of	of	ADP
bjmsr-2475	82	32	supportive	supportive	ADJ
bjmsr-2475	82	33	infrastructure	infrastructure	NOUN
bjmsr-2475	82	34	.	.	PUNCT
bjmsr-2475	83	1	cryptocurrencies	cryptocurrencie	NOUN
bjmsr-2475	83	2	provide	provide	VERB
bjmsr-2475	83	3	several	several	ADJ
bjmsr-2475	83	4	mechanisms	mechanism	NOUN
bjmsr-2475	83	5	to	to	PART
bjmsr-2475	83	6	enhance	enhance	VERB
bjmsr-2475	83	7	inclusion	inclusion	NOUN
bjmsr-2475	83	8	by	by	ADP
bjmsr-2475	83	9	addressing	address	VERB
bjmsr-2475	83	10	traditional	traditional	ADJ
bjmsr-2475	83	11	barriers	barrier	NOUN
bjmsr-2475	83	12	to	to	ADP
bjmsr-2475	83	13	accessing	access	VERB
bjmsr-2475	83	14	financial	financial	ADJ
bjmsr-2475	83	15	services	service	NOUN
bjmsr-2475	83	16	,	,	PUNCT
bjmsr-2475	83	17	offering	offer	VERB
bjmsr-2475	83	18	innovative	innovative	ADJ
bjmsr-2475	83	19	solutions	solution	NOUN
bjmsr-2475	83	20	for	for	ADP
bjmsr-2475	83	21	money	money	NOUN
bjmsr-2475	83	22	transfers	transfer	NOUN
bjmsr-2475	83	23	,	,	PUNCT
bjmsr-2475	83	24	savings	saving	NOUN
bjmsr-2475	83	25	,	,	PUNCT
bjmsr-2475	83	26	and	and	CCONJ
bjmsr-2475	83	27	lending	lending	NOUN
bjmsr-2475	83	28	activities	activity	NOUN
bjmsr-2475	83	29	(	(	PUNCT
bjmsr-2475	83	30	ullah	ullah	PROPN
bjmsr-2475	83	31	et	et	PROPN
bjmsr-2475	83	32	al	al	PROPN
bjmsr-2475	83	33	.	.	PROPN
bjmsr-2475	83	34	,	,	PUNCT
bjmsr-2475	83	35	2022	2022	NUM
bjmsr-2475	83	36	;	;	PUNCT
bjmsr-2475	83	37	setyawan	setyawan	NOUN
bjmsr-2475	83	38	et	et	PROPN
bjmsr-2475	83	39	al	al	PROPN
bjmsr-2475	83	40	.	.	PROPN
bjmsr-2475	83	41	,	,	PUNCT
bjmsr-2475	83	42	2024	2024	NUM
bjmsr-2475	83	43	)	)	PUNCT
bjmsr-2475	83	44	.	.	PUNCT
bjmsr-2475	84	1	economic	economic	ADJ
bjmsr-2475	84	2	empowerment	empowerment	NOUN
bjmsr-2475	84	3	is	be	AUX
bjmsr-2475	84	4	the	the	DET
bjmsr-2475	84	5	ownership	ownership	NOUN
bjmsr-2475	84	6	of	of	ADP
bjmsr-2475	84	7	finances	finance	NOUN
bjmsr-2475	84	8	,	,	PUNCT
bjmsr-2475	84	9	investments	investment	NOUN
bjmsr-2475	84	10	,	,	PUNCT
bjmsr-2475	84	11	property	property	NOUN
bjmsr-2475	84	12	,	,	PUNCT
bjmsr-2475	84	13	and	and	CCONJ
bjmsr-2475	84	14	gaining	gain	VERB
bjmsr-2475	84	15	education	education	NOUN
bjmsr-2475	84	16	(	(	PUNCT
bjmsr-2475	84	17	dalal	dalal	PROPN
bjmsr-2475	84	18	,	,	PUNCT
bjmsr-2475	84	19	2011	2011	NUM
bjmsr-2475	84	20	)	)	PUNCT
bjmsr-2475	84	21	.	.	PUNCT
bjmsr-2475	85	1	the	the	DET
bjmsr-2475	85	2	theory	theory	NOUN
bjmsr-2475	85	3	of	of	ADP
bjmsr-2475	85	4	economic	economic	ADJ
bjmsr-2475	85	5	empowerment	empowerment	NOUN
bjmsr-2475	85	6	suggests	suggest	VERB
bjmsr-2475	85	7	that	that	SCONJ
bjmsr-2475	85	8	expanding	expand	VERB
bjmsr-2475	85	9	access	access	NOUN
bjmsr-2475	85	10	to	to	ADP
bjmsr-2475	85	11	financial	financial	ADJ
bjmsr-2475	85	12	services	service	NOUN
bjmsr-2475	85	13	enhances	enhance	VERB
bjmsr-2475	85	14	financial	financial	ADJ
bjmsr-2475	85	15	inclusion	inclusion	NOUN
bjmsr-2475	85	16	and	and	CCONJ
bjmsr-2475	85	17	empowers	empower	VERB
bjmsr-2475	85	18	individuals	individual	NOUN
bjmsr-2475	85	19	,	,	PUNCT
bjmsr-2475	85	20	particularly	particularly	ADV
bjmsr-2475	85	21	those	those	PRON
bjmsr-2475	85	22	underserved	underserved	ADJ
bjmsr-2475	85	23	by	by	ADP
bjmsr-2475	85	24	traditional	traditional	ADJ
bjmsr-2475	85	25	banks	bank	NOUN
bjmsr-2475	85	26	.	.	PUNCT
bjmsr-2475	86	1	this	this	PRON
bjmsr-2475	86	2	includes	include	VERB
bjmsr-2475	86	3	access	access	NOUN
bjmsr-2475	86	4	to	to	ADP
bjmsr-2475	86	5	savings	saving	NOUN
bjmsr-2475	86	6	,	,	PUNCT
bjmsr-2475	86	7	affordable	affordable	ADJ
bjmsr-2475	86	8	loans	loan	NOUN
bjmsr-2475	86	9	,	,	PUNCT
bjmsr-2475	86	10	and	and	CCONJ
bjmsr-2475	86	11	the	the	DET
bjmsr-2475	86	12	ability	ability	NOUN
bjmsr-2475	86	13	to	to	PART
bjmsr-2475	86	14	conduct	conduct	VERB
bjmsr-2475	86	15	transactions	transaction	NOUN
bjmsr-2475	86	16	.	.	PUNCT
bjmsr-2475	87	1	as	as	SCONJ
bjmsr-2475	87	2	digital	digital	ADJ
bjmsr-2475	87	3	finance	finance	NOUN
bjmsr-2475	87	4	gains	gain	VERB
bjmsr-2475	87	5	attention	attention	NOUN
bjmsr-2475	87	6	from	from	ADP
bjmsr-2475	87	7	policymakers	policymaker	NOUN
bjmsr-2475	87	8	and	and	CCONJ
bjmsr-2475	87	9	scholars	scholar	NOUN
bjmsr-2475	87	10	,	,	PUNCT
bjmsr-2475	87	11	its	its	PRON
bjmsr-2475	87	12	role	role	NOUN
bjmsr-2475	87	13	in	in	ADP
bjmsr-2475	87	14	reducing	reduce	VERB
bjmsr-2475	87	15	poverty	poverty	NOUN
bjmsr-2475	87	16	and	and	CCONJ
bjmsr-2475	87	17	driving	drive	VERB
bjmsr-2475	87	18	economic	economic	ADJ
bjmsr-2475	87	19	growth	growth	NOUN
bjmsr-2475	87	20	becomes	becomes	AUX
bjmsr-2475	87	21	increasingly	increasingly	ADV
bjmsr-2475	87	22	recognized	recognize	VERB
bjmsr-2475	87	23	(	(	PUNCT
bjmsr-2475	87	24	ozili	ozili	NOUN
bjmsr-2475	87	25	,	,	PUNCT
bjmsr-2475	87	26	2023	2023	NUM
bjmsr-2475	87	27	)	)	PUNCT
bjmsr-2475	87	28	.	.	PUNCT
bjmsr-2475	88	1	theoretically	theoretically	ADV
bjmsr-2475	88	2	,	,	PUNCT
bjmsr-2475	88	3	cryptocurrency	cryptocurrency	NOUN
bjmsr-2475	88	4	adoption	adoption	NOUN
bjmsr-2475	88	5	offers	offer	VERB
bjmsr-2475	88	6	greater	great	ADJ
bjmsr-2475	88	7	financial	financial	ADJ
bjmsr-2475	88	8	autonomy	autonomy	NOUN
bjmsr-2475	88	9	and	and	CCONJ
bjmsr-2475	88	10	control	control	NOUN
bjmsr-2475	88	11	to	to	ADP
bjmsr-2475	88	12	its	its	PRON
bjmsr-2475	88	13	users	user	NOUN
bjmsr-2475	88	14	due	due	ADP
bjmsr-2475	88	15	to	to	ADP
bjmsr-2475	88	16	its	its	PRON
bjmsr-2475	88	17	decentralized	decentralized	ADJ
bjmsr-2475	88	18	nature	nature	NOUN
bjmsr-2475	88	19	.	.	PUNCT
bjmsr-2475	89	1	users	user	NOUN
bjmsr-2475	89	2	can	can	AUX
bjmsr-2475	89	3	manage	manage	VERB
bjmsr-2475	89	4	their	their	PRON
bjmsr-2475	89	5	funds	fund	NOUN
bjmsr-2475	89	6	without	without	ADP
bjmsr-2475	89	7	relying	rely	VERB
bjmsr-2475	89	8	on	on	ADP
bjmsr-2475	89	9	intermediaries	intermediary	NOUN
bjmsr-2475	89	10	like	like	ADP
bjmsr-2475	89	11	conventional	conventional	ADJ
bjmsr-2475	89	12	banks	bank	NOUN
bjmsr-2475	89	13	.	.	PUNCT
bjmsr-2475	90	1	this	this	DET
bjmsr-2475	90	2	control	control	NOUN
bjmsr-2475	90	3	and	and	CCONJ
bjmsr-2475	90	4	independence	independence	NOUN
bjmsr-2475	90	5	are	be	AUX
bjmsr-2475	90	6	at	at	ADP
bjmsr-2475	90	7	the	the	DET
bjmsr-2475	90	8	core	core	NOUN
bjmsr-2475	90	9	of	of	ADP
bjmsr-2475	90	10	economic	economic	ADJ
bjmsr-2475	90	11	empowerment	empowerment	NOUN
bjmsr-2475	90	12	.	.	PUNCT
bjmsr-2475	91	1	research	research	NOUN
bjmsr-2475	91	2	by	by	ADP
bjmsr-2475	91	3	el	el	PROPN
bjmsr-2475	91	4	hajj	hajj	PROPN
bjmsr-2475	91	5	and	and	CCONJ
bjmsr-2475	91	6	farran	farran	NOUN
bjmsr-2475	91	7	(	(	PUNCT
bjmsr-2475	91	8	2024	2024	NUM
bjmsr-2475	91	9	)	)	PUNCT
bjmsr-2475	91	10	confirms	confirm	VERB
bjmsr-2475	91	11	that	that	SCONJ
bjmsr-2475	91	12	cryptocurrency	cryptocurrency	NOUN
bjmsr-2475	91	13	adoption	adoption	NOUN
bjmsr-2475	91	14	significantly	significantly	ADV
bjmsr-2475	91	15	enhances	enhance	VERB
bjmsr-2475	91	16	economic	economic	ADJ
bjmsr-2475	91	17	empowerment	empowerment	NOUN
bjmsr-2475	91	18	in	in	ADP
bjmsr-2475	91	19	emerging	emerge	VERB
bjmsr-2475	91	20	markets	market	NOUN
bjmsr-2475	91	21	.	.	PUNCT
bjmsr-2475	92	1	the	the	DET
bjmsr-2475	92	2	sense	sense	NOUN
bjmsr-2475	92	3	of	of	ADP
bjmsr-2475	92	4	control	control	NOUN
bjmsr-2475	92	5	over	over	ADP
bjmsr-2475	92	6	financial	financial	ADJ
bjmsr-2475	92	7	decisions	decision	NOUN
bjmsr-2475	92	8	and	and	CCONJ
bjmsr-2475	92	9	access	access	NOUN
bjmsr-2475	92	10	to	to	ADP
bjmsr-2475	92	11	new	new	ADJ
bjmsr-2475	92	12	economic	economic	ADJ
bjmsr-2475	92	13	opportunities	opportunity	NOUN
bjmsr-2475	92	14	are	be	AUX
bjmsr-2475	92	15	primary	primary	ADJ
bjmsr-2475	92	16	drivers	driver	NOUN
bjmsr-2475	92	17	.	.	PUNCT
bjmsr-2475	93	1	le	le	PROPN
bjmsr-2475	93	2	's	's	PART
bjmsr-2475	93	3	(	(	PUNCT
bjmsr-2475	93	4	2025	2025	NUM
bjmsr-2475	93	5	)	)	PUNCT
bjmsr-2475	93	6	study	study	NOUN
bjmsr-2475	93	7	underscored	underscore	VERB
bjmsr-2475	93	8	that	that	SCONJ
bjmsr-2475	93	9	cryptocurrencies	cryptocurrencie	NOUN
bjmsr-2475	93	10	when	when	SCONJ
bjmsr-2475	93	11	integrated	integrate	VERB
bjmsr-2475	93	12	with	with	ADP
bjmsr-2475	93	13	decentralized	decentralize	VERB
bjmsr-2475	93	14	platforms	platform	NOUN
bjmsr-2475	93	15	enhance	enhance	VERB
bjmsr-2475	93	16	individual	individual	ADJ
bjmsr-2475	93	17	autonomy	autonomy	NOUN
bjmsr-2475	93	18	but	but	CCONJ
bjmsr-2475	93	19	require	require	VERB
bjmsr-2475	93	20	robust	robust	ADJ
bjmsr-2475	93	21	onboarding	onboarding	NOUN
bjmsr-2475	93	22	processes	process	NOUN
bjmsr-2475	93	23	to	to	PART
bjmsr-2475	93	24	support	support	VERB
bjmsr-2475	93	25	inclusion	inclusion	NOUN
bjmsr-2475	93	26	.	.	PUNCT
bjmsr-2475	94	1	a	a	DET
bjmsr-2475	94	2	recent	recent	ADJ
bjmsr-2475	94	3	study	study	NOUN
bjmsr-2475	94	4	by	by	ADP
bjmsr-2475	94	5	celestin	celestin	PROPN
bjmsr-2475	94	6	and	and	CCONJ
bjmsr-2475	94	7	vanitha	vanitha	ADJ
bjmsr-2475	94	8	(	(	PUNCT
bjmsr-2475	94	9	2021	2021	NUM
bjmsr-2475	94	10	)	)	PUNCT
bjmsr-2475	94	11	demonstrates	demonstrate	VERB
bjmsr-2475	94	12	that	that	DET
bjmsr-2475	94	13	supportive	supportive	ADJ
bjmsr-2475	94	14	regulatory	regulatory	ADJ
bjmsr-2475	94	15	environments	environment	NOUN
bjmsr-2475	94	16	and	and	CCONJ
bjmsr-2475	94	17	technological	technological	ADJ
bjmsr-2475	94	18	readiness	readiness	NOUN
bjmsr-2475	94	19	primarily	primarily	ADV
bjmsr-2475	94	20	drive	drive	VERB
bjmsr-2475	94	21	cryptocurrency	cryptocurrency	NOUN
bjmsr-2475	94	22	adoption	adoption	NOUN
bjmsr-2475	94	23	in	in	ADP
bjmsr-2475	94	24	the	the	DET
bjmsr-2475	94	25	asia	asia	PROPN
bjmsr-2475	94	26	-	-	PUNCT
bjmsr-2475	94	27	pacific	pacific	PROPN
bjmsr-2475	94	28	region	region	NOUN
bjmsr-2475	94	29	.	.	PUNCT
bjmsr-2475	95	1	their	their	PRON
bjmsr-2475	95	2	statistical	statistical	ADJ
bjmsr-2475	95	3	analysis	analysis	NOUN
bjmsr-2475	95	4	confirms	confirm	VERB
bjmsr-2475	95	5	that	that	SCONJ
bjmsr-2475	95	6	countries	country	NOUN
bjmsr-2475	95	7	with	with	ADP
bjmsr-2475	95	8	moderate	moderate	ADJ
bjmsr-2475	95	9	regulatory	regulatory	ADJ
bjmsr-2475	95	10	openness	openness	NOUN
bjmsr-2475	95	11	tend	tend	VERB
bjmsr-2475	95	12	to	to	PART
bjmsr-2475	95	13	show	show	VERB
bjmsr-2475	95	14	significantly	significantly	ADV
bjmsr-2475	95	15	higher	high	ADJ
bjmsr-2475	95	16	adoption	adoption	NOUN
bjmsr-2475	95	17	rates	rate	NOUN
bjmsr-2475	95	18	of	of	ADP
bjmsr-2475	95	19	digital	digital	ADJ
bjmsr-2475	95	20	assets	asset	NOUN
bjmsr-2475	95	21	.	.	PUNCT
bjmsr-2475	96	1	cryptocurrencies	cryptocurrencie	NOUN
bjmsr-2475	96	2	,	,	PUNCT
bjmsr-2475	96	3	by	by	ADP
bjmsr-2475	96	4	lowering	lower	VERB
bjmsr-2475	96	5	transaction	transaction	NOUN
bjmsr-2475	96	6	costs	cost	NOUN
bjmsr-2475	96	7	and	and	CCONJ
bjmsr-2475	96	8	accelerating	accelerate	VERB
bjmsr-2475	96	9	cross	cross	ADJ
bjmsr-2475	96	10	-	-	ADJ
bjmsr-2475	96	11	border	border	ADJ
bjmsr-2475	96	12	transfers	transfer	NOUN
bjmsr-2475	96	13	,	,	PUNCT
bjmsr-2475	96	14	support	support	VERB
bjmsr-2475	96	15	financial	financial	ADJ
bjmsr-2475	96	16	inclusion	inclusion	NOUN
bjmsr-2475	96	17	and	and	CCONJ
bjmsr-2475	96	18	development	development	NOUN
bjmsr-2475	96	19	in	in	ADP
bjmsr-2475	96	20	emerging	emerge	VERB
bjmsr-2475	96	21	economies	economy	NOUN
bjmsr-2475	96	22	.	.	PUNCT
bjmsr-2475	97	1	financial	financial	ADJ
bjmsr-2475	97	2	innovations	innovation	NOUN
bjmsr-2475	97	3	that	that	PRON
bjmsr-2475	97	4	reduce	reduce	VERB
bjmsr-2475	97	5	barriers	barrier	NOUN
bjmsr-2475	97	6	and	and	CCONJ
bjmsr-2475	97	7	expand	expand	VERB
bjmsr-2475	97	8	access	access	NOUN
bjmsr-2475	97	9	to	to	ADP
bjmsr-2475	97	10	credit	credit	NOUN
bjmsr-2475	97	11	,	,	PUNCT
bjmsr-2475	97	12	banking	banking	NOUN
bjmsr-2475	97	13	,	,	PUNCT
bjmsr-2475	97	14	and	and	CCONJ
bjmsr-2475	97	15	investment	investment	NOUN
bjmsr-2475	97	16	can	can	AUX
bjmsr-2475	97	17	further	far	ADV
bjmsr-2475	97	18	strengthen	strengthen	VERB
bjmsr-2475	97	19	inclusion	inclusion	NOUN
bjmsr-2475	97	20	and	and	CCONJ
bjmsr-2475	97	21	growth	growth	NOUN
bjmsr-2475	97	22	(	(	PUNCT
bjmsr-2475	97	23	mabrouk	mabrouk	X
bjmsr-2475	97	24	et	et	PROPN
bjmsr-2475	97	25	al	al	PROPN
bjmsr-2475	97	26	.	.	PROPN
bjmsr-2475	97	27	,	,	PUNCT
bjmsr-2475	97	28	2023	2023	NUM
bjmsr-2475	97	29	)	)	PUNCT
bjmsr-2475	97	30	.	.	PUNCT
bjmsr-2475	98	1	furthermore	furthermore	ADV
bjmsr-2475	98	2	,	,	PUNCT
bjmsr-2475	98	3	the	the	DET
bjmsr-2475	98	4	blockchain	blockchain	PROPN
bjmsr-2475	98	5	technology	technology	PROPN
bjmsr-2475	98	6	underlying	underlie	VERB
bjmsr-2475	98	7	cryptocurrency	cryptocurrency	NOUN
bjmsr-2475	98	8	offers	offer	VERB
bjmsr-2475	98	9	transparency	transparency	NOUN
bjmsr-2475	98	10	and	and	CCONJ
bjmsr-2475	98	11	transaction	transaction	NOUN
bjmsr-2475	98	12	security	security	NOUN
bjmsr-2475	98	13	that	that	PRON
bjmsr-2475	98	14	can	can	AUX
bjmsr-2475	98	15	enhance	enhance	VERB
bjmsr-2475	98	16	trust	trust	NOUN
bjmsr-2475	98	17	.	.	PUNCT
bjmsr-2475	99	1	research	research	NOUN
bjmsr-2475	99	2	by	by	ADP
bjmsr-2475	99	3	ullah	ullah	PROPN
bjmsr-2475	99	4	et	et	PROPN
bjmsr-2475	99	5	al	al	PROPN
bjmsr-2475	99	6	.	.	PROPN
bjmsr-2475	100	1	(	(	PUNCT
bjmsr-2475	100	2	2022	2022	NUM
bjmsr-2475	100	3	)	)	PUNCT
bjmsr-2475	100	4	indicates	indicate	VERB
bjmsr-2475	100	5	that	that	SCONJ
bjmsr-2475	100	6	the	the	DET
bjmsr-2475	100	7	combination	combination	NOUN
bjmsr-2475	100	8	of	of	ADP
bjmsr-2475	100	9	cost	cost	NOUN
bjmsr-2475	100	10	efficiency	efficiency	NOUN
bjmsr-2475	100	11	and	and	CCONJ
bjmsr-2475	100	12	trust	trust	NOUN
bjmsr-2475	100	13	creates	create	VERB
bjmsr-2475	100	14	a	a	DET
bjmsr-2475	100	15	powerful	powerful	ADJ
bjmsr-2475	100	16	hybrid	hybrid	NOUN
bjmsr-2475	100	17	for	for	ADP
bjmsr-2475	100	18	driving	drive	VERB
bjmsr-2475	100	19	the	the	DET
bjmsr-2475	100	20	adoption	adoption	NOUN
bjmsr-2475	100	21	of	of	ADP
bjmsr-2475	100	22	blockchain	blockchain	PROPN
bjmsr-2475	100	23	technology	technology	PROPN
bjmsr-2475	100	24	by	by	ADP
bjmsr-2475	100	25	financial	financial	ADJ
bjmsr-2475	100	26	institutions	institution	NOUN
bjmsr-2475	100	27	.	.	PUNCT
bjmsr-2475	101	1	when	when	SCONJ
bjmsr-2475	101	2	users	user	NOUN
bjmsr-2475	101	3	experience	experience	VERB
bjmsr-2475	101	4	this	this	DET
bjmsr-2475	101	5	security	security	NOUN
bjmsr-2475	101	6	and	and	CCONJ
bjmsr-2475	101	7	transparency	transparency	NOUN
bjmsr-2475	101	8	,	,	PUNCT
bjmsr-2475	101	9	their	their	PRON
bjmsr-2475	101	10	trust	trust	NOUN
bjmsr-2475	101	11	may	may	AUX
bjmsr-2475	101	12	increase	increase	VERB
bjmsr-2475	101	13	not	not	PART
bjmsr-2475	101	14	only	only	ADV
bjmsr-2475	101	15	in	in	ADP
bjmsr-2475	101	16	the	the	DET
bjmsr-2475	101	17	crypto	crypto	NOUN
bjmsr-2475	101	18	platform	platform	NOUN
bjmsr-2475	101	19	itself	itself	PRON
bjmsr-2475	101	20	but	but	CCONJ
bjmsr-2475	101	21	also	also	ADV
bjmsr-2475	101	22	in	in	ADP
bjmsr-2475	101	23	the	the	DET
bjmsr-2475	101	24	broader	broad	ADJ
bjmsr-2475	101	25	digital	digital	ADJ
bjmsr-2475	101	26	financial	financial	ADJ
bjmsr-2475	101	27	ecosystem	ecosystem	NOUN
bjmsr-2475	101	28	.	.	PUNCT
bjmsr-2475	102	1	from	from	ADP
bjmsr-2475	102	2	the	the	DET
bjmsr-2475	102	3	user	user	NOUN
bjmsr-2475	102	4	's	's	PART
bjmsr-2475	102	5	perspective	perspective	NOUN
bjmsr-2475	102	6	,	,	PUNCT
bjmsr-2475	102	7	satisfaction	satisfaction	NOUN
bjmsr-2475	102	8	is	be	AUX
bjmsr-2475	102	9	key	key	ADJ
bjmsr-2475	102	10	to	to	ADP
bjmsr-2475	102	11	the	the	DET
bjmsr-2475	102	12	continued	continue	VERB
bjmsr-2475	102	13	use	use	NOUN
bjmsr-2475	102	14	of	of	ADP
bjmsr-2475	102	15	a	a	DET
bjmsr-2475	102	16	technology	technology	NOUN
bjmsr-2475	102	17	.	.	PUNCT
bjmsr-2475	103	1	according	accord	VERB
bjmsr-2475	103	2	to	to	ADP
bjmsr-2475	103	3	the	the	DET
bjmsr-2475	103	4	utaut	utaut	PROPN
bjmsr-2475	103	5	framework	framework	NOUN
bjmsr-2475	103	6	,	,	PUNCT
bjmsr-2475	103	7	if	if	SCONJ
bjmsr-2475	103	8	users	user	NOUN
bjmsr-2475	103	9	perceive	perceive	VERB
bjmsr-2475	103	10	tangible	tangible	ADJ
bjmsr-2475	103	11	benefits	benefit	NOUN
bjmsr-2475	103	12	(	(	PUNCT
bjmsr-2475	103	13	performance	performance	NOUN
bjmsr-2475	103	14	expectancy	expectancy	NOUN
bjmsr-2475	103	15	)	)	PUNCT
bjmsr-2475	103	16	and	and	CCONJ
bjmsr-2475	103	17	ease	ease	NOUN
bjmsr-2475	103	18	of	of	ADP
bjmsr-2475	103	19	use	use	NOUN
bjmsr-2475	103	20	(	(	PUNCT
bjmsr-2475	103	21	effort	effort	NOUN
bjmsr-2475	103	22	expectancy	expectancy	NOUN
bjmsr-2475	103	23	)	)	PUNCT
bjmsr-2475	103	24	,	,	PUNCT
bjmsr-2475	103	25	their	their	PRON
bjmsr-2475	103	26	satisfaction	satisfaction	NOUN
bjmsr-2475	103	27	will	will	AUX
bjmsr-2475	103	28	increase	increase	VERB
bjmsr-2475	103	29	.	.	PUNCT
bjmsr-2475	104	1	in	in	ADP
bjmsr-2475	104	2	the	the	DET
bjmsr-2475	104	3	crypto	crypto	NOUN
bjmsr-2475	104	4	context	context	NOUN
bjmsr-2475	104	5	,	,	PUNCT
bjmsr-2475	104	6	these	these	DET
bjmsr-2475	104	7	benefits	benefit	NOUN
bjmsr-2475	104	8	include	include	VERB
bjmsr-2475	104	9	lower	low	ADJ
bjmsr-2475	104	10	transaction	transaction	NOUN
bjmsr-2475	104	11	costs	cost	NOUN
bjmsr-2475	104	12	and	and	CCONJ
bjmsr-2475	104	13	faster	fast	ADJ
bjmsr-2475	104	14	cross	cross	ADJ
bjmsr-2475	104	15	-	-	ADJ
bjmsr-2475	104	16	border	border	ADJ
bjmsr-2475	104	17	transfers	transfer	NOUN
bjmsr-2475	104	18	.	.	PUNCT
bjmsr-2475	105	1	garcía	garcía	ADJ
bjmsr-2475	105	2	-	-	PUNCT
bjmsr-2475	105	3	monleón	monleón	NOUN
bjmsr-2475	105	4	et	et	PROPN
bjmsr-2475	105	5	al	al	PROPN
bjmsr-2475	105	6	.	.	PROPN
bjmsr-2475	106	1	(	(	PUNCT
bjmsr-2475	106	2	2023	2023	NUM
bjmsr-2475	106	3	)	)	PUNCT
bjmsr-2475	106	4	found	find	VERB
bjmsr-2475	106	5	that	that	SCONJ
bjmsr-2475	106	6	a	a	DET
bjmsr-2475	106	7	value	value	NOUN
bjmsr-2475	106	8	-	-	PUNCT
bjmsr-2475	106	9	based	base	VERB
bjmsr-2475	106	10	approach	approach	NOUN
bjmsr-2475	106	11	,	,	PUNCT
bjmsr-2475	106	12	which	which	PRON
bjmsr-2475	106	13	includes	include	VERB
bjmsr-2475	106	14	perceived	perceive	VERB
bjmsr-2475	106	15	benefits	benefit	NOUN
bjmsr-2475	106	16	,	,	PUNCT
bjmsr-2475	106	17	is	be	AUX
bjmsr-2475	106	18	key	key	ADJ
bjmsr-2475	106	19	to	to	ADP
bjmsr-2475	106	20	understanding	understand	VERB
bjmsr-2475	106	21	cryptocurrency	cryptocurrency	NOUN
bjmsr-2475	106	22	adoption	adoption	NOUN
bjmsr-2475	106	23	.	.	PUNCT
bjmsr-2475	107	1	a	a	DET
bjmsr-2475	107	2	positive	positive	ADJ
bjmsr-2475	107	3	user	user	NOUN
bjmsr-2475	107	4	experience	experience	NOUN
bjmsr-2475	107	5	will	will	AUX
bjmsr-2475	107	6	directly	directly	ADV
bjmsr-2475	107	7	increase	increase	VERB
bjmsr-2475	107	8	their	their	PRON
bjmsr-2475	107	9	satisfaction	satisfaction	NOUN
bjmsr-2475	107	10	with	with	ADP
bjmsr-2475	107	11	the	the	DET
bjmsr-2475	107	12	platform	platform	NOUN
bjmsr-2475	107	13	used	use	VERB
bjmsr-2475	107	14	.	.	PUNCT
bjmsr-2475	108	1	integrating	integrate	VERB
bjmsr-2475	108	2	cryptocurrencies	cryptocurrencie	NOUN
bjmsr-2475	108	3	into	into	ADP
bjmsr-2475	108	4	mobile	mobile	ADJ
bjmsr-2475	108	5	money	money	NOUN
bjmsr-2475	108	6	platforms	platform	NOUN
bjmsr-2475	108	7	can	can	AUX
bjmsr-2475	108	8	enhance	enhance	VERB
bjmsr-2475	108	9	financial	financial	ADJ
bjmsr-2475	108	10	inclusion	inclusion	NOUN
bjmsr-2475	108	11	,	,	PUNCT
bjmsr-2475	108	12	especially	especially	ADV
bjmsr-2475	108	13	in	in	ADP
bjmsr-2475	108	14	regions	region	NOUN
bjmsr-2475	108	15	lacking	lack	VERB
bjmsr-2475	108	16	traditional	traditional	ADJ
bjmsr-2475	108	17	banking	banking	NOUN
bjmsr-2475	108	18	infrastructure	infrastructure	NOUN
bjmsr-2475	108	19	.	.	PUNCT
bjmsr-2475	109	1	mobile	mobile	ADJ
bjmsr-2475	109	2	phones	phone	NOUN
bjmsr-2475	109	3	are	be	AUX
bjmsr-2475	109	4	already	already	ADV
bjmsr-2475	109	5	widely	widely	ADV
bjmsr-2475	109	6	used	use	VERB
bjmsr-2475	109	7	for	for	ADP
bjmsr-2475	109	8	everyday	everyday	ADJ
bjmsr-2475	109	9	financial	financial	ADJ
bjmsr-2475	109	10	transactions	transaction	NOUN
bjmsr-2475	109	11	,	,	PUNCT
bjmsr-2475	109	12	and	and	CCONJ
bjmsr-2475	109	13	with	with	ADP
bjmsr-2475	109	14	cryptocurrency	cryptocurrency	NOUN
bjmsr-2475	109	15	integration	integration	NOUN
bjmsr-2475	109	16	,	,	PUNCT
bjmsr-2475	109	17	users	user	NOUN
bjmsr-2475	109	18	can	can	AUX
bjmsr-2475	109	19	transfer	transfer	VERB
bjmsr-2475	109	20	money	money	NOUN
bjmsr-2475	109	21	internationally	internationally	ADV
bjmsr-2475	109	22	and	and	CCONJ
bjmsr-2475	109	23	access	access	NOUN
bjmsr-2475	109	24	stronger	strong	ADJ
bjmsr-2475	109	25	currencies	currency	NOUN
bjmsr-2475	109	26	without	without	ADP
bjmsr-2475	109	27	needing	need	VERB
bjmsr-2475	109	28	formal	formal	ADJ
bjmsr-2475	109	29	banks	bank	NOUN
bjmsr-2475	109	30	.	.	PUNCT
bjmsr-2475	110	1	this	this	DET
bjmsr-2475	110	2	approach	approach	NOUN
bjmsr-2475	110	3	is	be	AUX
bjmsr-2475	110	4	particularly	particularly	ADV
bjmsr-2475	110	5	effective	effective	ADJ
bjmsr-2475	110	6	,	,	PUNCT
bjmsr-2475	110	7	transparent	transparent	ADJ
bjmsr-2475	110	8	,	,	PUNCT
bjmsr-2475	110	9	and	and	CCONJ
bjmsr-2475	110	10	secure	secure	ADJ
bjmsr-2475	110	11	where	where	SCONJ
bjmsr-2475	110	12	mobile	mobile	ADJ
bjmsr-2475	110	13	money	money	NOUN
bjmsr-2475	110	14	is	be	AUX
bjmsr-2475	110	15	prevalent	prevalent	ADJ
bjmsr-2475	110	16	(	(	PUNCT
bjmsr-2475	110	17	el	el	PROPN
bjmsr-2475	110	18	amri	amri	PROPN
bjmsr-2475	110	19	et	et	PROPN
bjmsr-2475	110	20	al	al	PROPN
bjmsr-2475	110	21	.	.	PROPN
bjmsr-2475	110	22	,	,	PUNCT
bjmsr-2475	110	23	2021	2021	NUM
bjmsr-2475	110	24	;	;	PUNCT
bjmsr-2475	110	25	rieger	rieger	PROPN
bjmsr-2475	110	26	et	et	PROPN
bjmsr-2475	110	27	al	al	PROPN
bjmsr-2475	110	28	.	.	PROPN
bjmsr-2475	110	29	,	,	PUNCT
bjmsr-2475	110	30	2022	2022	NUM
bjmsr-2475	110	31	)	)	PUNCT
bjmsr-2475	110	32	.	.	PUNCT
bjmsr-2475	111	1	according	accord	VERB
bjmsr-2475	111	2	to	to	ADP
bjmsr-2475	111	3	dwivedi	dwivedi	PROPN
bjmsr-2475	111	4	et	et	PROPN
bjmsr-2475	111	5	al	al	PROPN
bjmsr-2475	111	6	.	.	PROPN
bjmsr-2475	112	1	(	(	PUNCT
bjmsr-2475	112	2	2019	2019	NUM
bjmsr-2475	112	3	)	)	PUNCT
bjmsr-2475	112	4	,	,	PUNCT
bjmsr-2475	112	5	performance	performance	NOUN
bjmsr-2475	112	6	expectancy	expectancy	NOUN
bjmsr-2475	112	7	explains	explain	VERB
bjmsr-2475	112	8	the	the	DET
bjmsr-2475	112	9	belief	belief	NOUN
bjmsr-2475	112	10	users	user	NOUN
bjmsr-2475	112	11	have	have	VERB
bjmsr-2475	112	12	that	that	SCONJ
bjmsr-2475	112	13	a	a	DET
bjmsr-2475	112	14	system	system	NOUN
bjmsr-2475	112	15	will	will	AUX
bjmsr-2475	112	16	help	help	VERB
bjmsr-2475	112	17	them	they	PRON
bjmsr-2475	112	18	achieve	achieve	VERB
bjmsr-2475	112	19	their	their	PRON
bjmsr-2475	112	20	objectives	objective	NOUN
bjmsr-2475	112	21	.	.	PUNCT
bjmsr-2475	113	1	in	in	ADP
bjmsr-2475	113	2	the	the	DET
bjmsr-2475	113	3	context	context	NOUN
bjmsr-2475	113	4	of	of	ADP
bjmsr-2475	113	5	cryptocurrencies	cryptocurrencie	NOUN
bjmsr-2475	113	6	,	,	PUNCT
bjmsr-2475	113	7	this	this	PRON
bjmsr-2475	113	8	primarily	primarily	ADV
bjmsr-2475	113	9	relates	relate	VERB
bjmsr-2475	113	10	to	to	ADP
bjmsr-2475	113	11	users	user	NOUN
bjmsr-2475	113	12	'	'	PART
bjmsr-2475	113	13	expectations	expectation	NOUN
bjmsr-2475	113	14	of	of	ADP
bjmsr-2475	113	15	financial	financial	ADJ
bjmsr-2475	113	16	returns	return	NOUN
bjmsr-2475	113	17	and	and	CCONJ
bjmsr-2475	113	18	the	the	DET
bjmsr-2475	113	19	security	security	NOUN
bjmsr-2475	113	20	measures	measure	NOUN
bjmsr-2475	113	21	provided	provide	VERB
bjmsr-2475	113	22	by	by	ADP
bjmsr-2475	113	23	the	the	DET
bjmsr-2475	113	24	platform	platform	NOUN
bjmsr-2475	113	25	.	.	PUNCT
bjmsr-2475	114	1	financial	financial	ADJ
bjmsr-2475	114	2	inclusion	inclusion	NOUN
bjmsr-2475	114	3	is	be	AUX
bjmsr-2475	114	4	not	not	PART
bjmsr-2475	114	5	just	just	ADV
bjmsr-2475	114	6	about	about	ADP
bjmsr-2475	114	7	having	have	VERB
bjmsr-2475	114	8	access	access	NOUN
bjmsr-2475	114	9	but	but	CCONJ
bjmsr-2475	114	10	also	also	ADV
bjmsr-2475	114	11	about	about	ADP
bjmsr-2475	114	12	active	active	ADJ
bjmsr-2475	114	13	participation	participation	NOUN
bjmsr-2475	114	14	in	in	ADP
bjmsr-2475	114	15	the	the	DET
bjmsr-2475	114	16	financial	financial	ADJ
bjmsr-2475	114	17	system	system	NOUN
bjmsr-2475	114	18	.	.	PUNCT
bjmsr-2475	115	1	individuals	individual	NOUN
bjmsr-2475	115	2	who	who	PRON
bjmsr-2475	115	3	feel	feel	VERB
bjmsr-2475	115	4	economically	economically	ADV
bjmsr-2475	115	5	empowered	empowered	ADJ
bjmsr-2475	115	6	having	have	VERB
bjmsr-2475	115	7	control	control	NOUN
bjmsr-2475	115	8	over	over	ADP
bjmsr-2475	115	9	their	their	PRON
bjmsr-2475	115	10	finances	finance	NOUN
bjmsr-2475	115	11	and	and	CCONJ
bjmsr-2475	115	12	plans	plan	NOUN
bjmsr-2475	115	13	tend	tend	VERB
bjmsr-2475	115	14	to	to	PART
bjmsr-2475	115	15	more	more	ADV
bjmsr-2475	115	16	actively	actively	ADV
bjmsr-2475	115	17	seek	seek	VERB
bjmsr-2475	115	18	out	out	ADP
bjmsr-2475	115	19	and	and	CCONJ
bjmsr-2475	115	20	use	use	VERB
bjmsr-2475	115	21	both	both	CCONJ
bjmsr-2475	115	22	formal	formal	ADJ
bjmsr-2475	115	23	and	and	CCONJ
bjmsr-2475	115	24	digital	digital	ADJ
bjmsr-2475	115	25	financial	financial	ADJ
bjmsr-2475	115	26	services	service	NOUN
bjmsr-2475	115	27	.	.	PUNCT
bjmsr-2475	116	1	research	research	NOUN
bjmsr-2475	116	2	by	by	ADP
bjmsr-2475	116	3	mabrouk	mabrouk	PROPN
bjmsr-2475	116	4	et	et	PROPN
bjmsr-2475	116	5	al	al	PROPN
bjmsr-2475	116	6	.	.	PROPN
bjmsr-2475	116	7	(	(	PUNCT
bjmsr-2475	116	8	2023	2023	NUM
bjmsr-2475	116	9	)	)	PUNCT
bjmsr-2475	116	10	shows	show	VERB
bjmsr-2475	116	11	that	that	SCONJ
bjmsr-2475	116	12	digital	digital	ADJ
bjmsr-2475	116	13	financial	financial	ADJ
bjmsr-2475	116	14	inclusion	inclusion	NOUN
bjmsr-2475	116	15	effectively	effectively	ADV
bjmsr-2475	116	16	empowers	empower	VERB
bjmsr-2475	116	17	women	woman	NOUN
bjmsr-2475	116	18	economically	economically	ADV
bjmsr-2475	116	19	,	,	PUNCT
bjmsr-2475	116	20	which	which	PRON
bjmsr-2475	116	21	in	in	ADP
bjmsr-2475	116	22	turn	turn	NOUN
bjmsr-2475	116	23	encourages	encourage	VERB
bjmsr-2475	116	24	greater	great	ADJ
bjmsr-2475	116	25	economic	economic	ADJ
bjmsr-2475	116	26	participation	participation	NOUN
bjmsr-2475	116	27	.	.	PUNCT
bjmsr-2475	117	1	this	this	DET
bjmsr-2475	117	2	reciprocal	reciprocal	ADJ
bjmsr-2475	117	3	relationship	relationship	NOUN
bjmsr-2475	117	4	implies	imply	VERB
bjmsr-2475	117	5	that	that	SCONJ
bjmsr-2475	117	6	empowerment	empowerment	NOUN
bjmsr-2475	117	7	is	be	AUX
bjmsr-2475	117	8	a	a	DET
bjmsr-2475	117	9	critical	critical	ADJ
bjmsr-2475	117	10	bridge	bridge	NOUN
bjmsr-2475	117	11	to	to	ADP
bjmsr-2475	117	12	inclusion	inclusion	NOUN
bjmsr-2475	117	13	.	.	PUNCT
bjmsr-2475	118	1	the	the	DET
bjmsr-2475	118	2	same	same	ADJ
bjmsr-2475	118	3	conclusion	conclusion	NOUN
bjmsr-2475	118	4	was	be	AUX
bjmsr-2475	118	5	also	also	ADV
bjmsr-2475	118	6	highlighted	highlight	VERB
bjmsr-2475	118	7	by	by	ADP
bjmsr-2475	118	8	el	el	PROPN
bjmsr-2475	118	9	hajj	hajj	PROPN
bjmsr-2475	118	10	and	and	CCONJ
bjmsr-2475	118	11	farran	farran	NOUN
bjmsr-2475	118	12	(	(	PUNCT
bjmsr-2475	118	13	2024	2024	NUM
bjmsr-2475	118	14	)	)	PUNCT
bjmsr-2475	118	15	.	.	PUNCT
bjmsr-2475	119	1	social	social	ADJ
bjmsr-2475	119	2	influence	influence	NOUN
bjmsr-2475	119	3	reflects	reflect	VERB
bjmsr-2475	119	4	how	how	SCONJ
bjmsr-2475	119	5	strongly	strongly	ADV
bjmsr-2475	119	6	users	user	NOUN
bjmsr-2475	119	7	perceive	perceive	VERB
bjmsr-2475	119	8	a	a	DET
bjmsr-2475	119	9	technology	technology	NOUN
bjmsr-2475	119	10	as	as	ADP
bjmsr-2475	119	11	necessary	necessary	ADJ
bjmsr-2475	119	12	in	in	ADP
bjmsr-2475	119	13	their	their	PRON
bjmsr-2475	119	14	lives	life	NOUN
bjmsr-2475	119	15	,	,	PUNCT
bjmsr-2475	119	16	often	often	ADV
bjmsr-2475	119	17	shaped	shape	VERB
bjmsr-2475	119	18	by	by	ADP
bjmsr-2475	119	19	the	the	DET
bjmsr-2475	119	20	opinions	opinion	NOUN
bjmsr-2475	119	21	and	and	CCONJ
bjmsr-2475	119	22	recommendations	recommendation	NOUN
bjmsr-2475	119	23	of	of	ADP
bjmsr-2475	119	24	peers	peer	NOUN
bjmsr-2475	119	25	and	and	CCONJ
bjmsr-2475	119	26	influencers	influencer	NOUN
bjmsr-2475	119	27	(	(	PUNCT
bjmsr-2475	119	28	dwivedi	dwivedi	PROPN
bjmsr-2475	119	29	et	et	PROPN
bjmsr-2475	119	30	al	al	PROPN
bjmsr-2475	119	31	.	.	PROPN
bjmsr-2475	119	32	,	,	PUNCT
bjmsr-2475	119	33	2019	2019	NUM
bjmsr-2475	119	34	)	)	PUNCT
bjmsr-2475	119	35	.	.	PUNCT
bjmsr-2475	120	1	this	this	DET
bjmsr-2475	120	2	conceptual	conceptual	ADJ
bjmsr-2475	120	3	framework	framework	NOUN
bjmsr-2475	120	4	helps	help	VERB
bjmsr-2475	120	5	analyze	analyze	VERB
bjmsr-2475	120	6	the	the	DET
bjmsr-2475	120	7	drivers	driver	NOUN
bjmsr-2475	120	8	and	and	CCONJ
bjmsr-2475	120	9	barriers	barrier	NOUN
bjmsr-2475	120	10	to	to	ADP
bjmsr-2475	120	11	cryptocurrency	cryptocurrency	NOUN
bjmsr-2475	120	12	adoption	adoption	NOUN
bjmsr-2475	120	13	,	,	PUNCT
bjmsr-2475	120	14	offering	offer	VERB
bjmsr-2475	120	15	insights	insight	NOUN
bjmsr-2475	120	16	into	into	ADP
bjmsr-2475	120	17	the	the	DET
bjmsr-2475	120	18	strategies	strategy	NOUN
bjmsr-2475	120	19	stakeholders	stakeholder	NOUN
bjmsr-2475	120	20	can	can	AUX
bjmsr-2475	120	21	employ	employ	VERB
bjmsr-2475	120	22	to	to	PART
bjmsr-2475	120	23	promote	promote	VERB
bjmsr-2475	120	24	financial	financial	ADJ
bjmsr-2475	120	25	inclusion	inclusion	NOUN
bjmsr-2475	120	26	and	and	CCONJ
bjmsr-2475	120	27	foster	foster	ADJ
bjmsr-2475	120	28	innovation	innovation	NOUN
bjmsr-2475	120	29	in	in	ADP
bjmsr-2475	120	30	developing	develop	VERB
bjmsr-2475	120	31	countries	country	NOUN
bjmsr-2475	120	32	.	.	PUNCT
bjmsr-2475	121	1	historically	historically	ADV
bjmsr-2475	121	2	,	,	PUNCT
bjmsr-2475	121	3	trust	trust	NOUN
bjmsr-2475	121	4	is	be	AUX
bjmsr-2475	121	5	considered	consider	VERB
bjmsr-2475	121	6	the	the	DET
bjmsr-2475	121	7	foundation	foundation	NOUN
bjmsr-2475	121	8	of	of	ADP
bjmsr-2475	121	9	any	any	DET
bjmsr-2475	121	10	financial	financial	ADJ
bjmsr-2475	121	11	system	system	NOUN
bjmsr-2475	121	12	.	.	PUNCT
bjmsr-2475	122	1	low	low	ADJ
bjmsr-2475	122	2	levels	level	NOUN
bjmsr-2475	122	3	of	of	ADP
bjmsr-2475	122	4	trust	trust	NOUN
bjmsr-2475	122	5	in	in	ADP
bjmsr-2475	122	6	formal	formal	ADJ
bjmsr-2475	122	7	financial	financial	ADJ
bjmsr-2475	122	8	institutions	institution	NOUN
bjmsr-2475	122	9	often	often	ADV
bjmsr-2475	122	10	act	act	VERB
bjmsr-2475	122	11	as	as	ADP
bjmsr-2475	122	12	a	a	DET
bjmsr-2475	122	13	barrier	barrier	NOUN
bjmsr-2475	122	14	to	to	ADP
bjmsr-2475	122	15	financial	financial	ADJ
bjmsr-2475	122	16	inclusion	inclusion	NOUN
bjmsr-2475	122	17	.	.	PUNCT
bjmsr-2475	123	1	an	an	DET
bjmsr-2475	123	2	increase	increase	NOUN
bjmsr-2475	123	3	in	in	ADP
bjmsr-2475	123	4	trust	trust	NOUN
bjmsr-2475	123	5	in	in	ADP
bjmsr-2475	123	6	institutions	institution	NOUN
bjmsr-2475	123	7	(	(	PUNCT
bjmsr-2475	123	8	both	both	CCONJ
bjmsr-2475	123	9	traditional	traditional	ADJ
bjmsr-2475	123	10	and	and	CCONJ
bjmsr-2475	123	11	digital	digital	ADJ
bjmsr-2475	123	12	)	)	PUNCT
bjmsr-2475	123	13	will	will	AUX
bjmsr-2475	123	14	encourage	encourage	VERB
bjmsr-2475	123	15	individuals	individual	NOUN
bjmsr-2475	123	16	to	to	PART
bjmsr-2475	123	17	participate	participate	VERB
bjmsr-2475	123	18	more	more	ADV
bjmsr-2475	123	19	confidently	confidently	ADV
bjmsr-2475	123	20	in	in	ADP
bjmsr-2475	123	21	the	the	DET
bjmsr-2475	123	22	financial	financial	ADJ
bjmsr-2475	123	23	system	system	NOUN
bjmsr-2475	123	24	.	.	PUNCT
bjmsr-2475	124	1	cao	cao	PROPN
bjmsr-2475	124	2	et	et	PROPN
bjmsr-2475	124	3	al	al	PROPN
bjmsr-2475	124	4	.	.	PROPN
bjmsr-2475	125	1	(	(	PUNCT
bjmsr-2475	125	2	2023	2023	NUM
bjmsr-2475	125	3	)	)	PUNCT
bjmsr-2475	125	4	argued	argue	VERB
bjmsr-2475	125	5	that	that	SCONJ
bjmsr-2475	125	6	digital	digital	ADJ
bjmsr-2475	125	7	currencies	currency	NOUN
bjmsr-2475	125	8	provide	provide	VERB
bjmsr-2475	125	9	lower	low	ADJ
bjmsr-2475	125	10	-	-	PUNCT
bjmsr-2475	125	11	cost	cost	NOUN
bjmsr-2475	125	12	alternatives	alternative	NOUN
bjmsr-2475	125	13	for	for	ADP
bjmsr-2475	125	14	savings	saving	NOUN
bjmsr-2475	125	15	and	and	CCONJ
bjmsr-2475	125	16	transfers	transfer	NOUN
bjmsr-2475	125	17	,	,	PUNCT
bjmsr-2475	125	18	particularly	particularly	ADV
bjmsr-2475	125	19	when	when	SCONJ
bjmsr-2475	125	20	integrated	integrate	VERB
bjmsr-2475	125	21	with	with	ADP
bjmsr-2475	125	22	mobile	mobile	ADJ
bjmsr-2475	125	23	platforms	platform	NOUN
bjmsr-2475	125	24	.	.	PUNCT
bjmsr-2475	126	1	however	however	ADV
bjmsr-2475	126	2	,	,	PUNCT
bjmsr-2475	126	3	they	they	PRON
bjmsr-2475	126	4	also	also	ADV
bjmsr-2475	126	5	highlighted	highlight	VERB
bjmsr-2475	126	6	the	the	DET
bjmsr-2475	126	7	importance	importance	NOUN
bjmsr-2475	126	8	of	of	ADP
bjmsr-2475	126	9	regulatory	regulatory	ADJ
bjmsr-2475	126	10	clarity	clarity	NOUN
bjmsr-2475	126	11	and	and	CCONJ
bjmsr-2475	126	12	user	user	NOUN
bjmsr-2475	126	13	trust	trust	NOUN
bjmsr-2475	126	14	to	to	PART
bjmsr-2475	126	15	avoid	avoid	VERB
bjmsr-2475	126	16	financial	financial	ADJ
bjmsr-2475	126	17	exclusion	exclusion	NOUN
bjmsr-2475	126	18	.	.	PUNCT
bjmsr-2475	127	1	ozili	ozili	NOUN
bjmsr-2475	127	2	(	(	PUNCT
bjmsr-2475	127	3	2023	2023	NUM
bjmsr-2475	127	4	)	)	PUNCT
bjmsr-2475	127	5	also	also	ADV
bjmsr-2475	127	6	argued	argue	VERB
bjmsr-2475	127	7	that	that	SCONJ
bjmsr-2475	127	8	while	while	SCONJ
bjmsr-2475	127	9	these	these	DET
bjmsr-2475	127	10	technologies	technology	NOUN
bjmsr-2475	127	11	improve	improve	VERB
bjmsr-2475	127	12	access	access	NOUN
bjmsr-2475	127	13	,	,	PUNCT
bjmsr-2475	127	14	their	their	PRON
bjmsr-2475	127	15	volatility	volatility	NOUN
bjmsr-2475	127	16	and	and	CCONJ
bjmsr-2475	127	17	lack	lack	NOUN
bjmsr-2475	127	18	of	of	ADP
bjmsr-2475	127	19	investor	investor	NOUN
bjmsr-2475	127	20	protection	protection	NOUN
bjmsr-2475	127	21	mechanisms	mechanism	NOUN
bjmsr-2475	127	22	may	may	AUX
bjmsr-2475	127	23	reduce	reduce	VERB
bjmsr-2475	127	24	trust	trust	NOUN
bjmsr-2475	127	25	in	in	ADP
bjmsr-2475	127	26	the	the	DET
bjmsr-2475	127	27	absence	absence	NOUN
bjmsr-2475	127	28	of	of	ADP
bjmsr-2475	127	29	regulatory	regulatory	ADJ
bjmsr-2475	127	30	safeguards	safeguard	NOUN
bjmsr-2475	127	31	.	.	PUNCT
bjmsr-2475	128	1	hsiao	hsiao	PROPN
bjmsr-2475	128	2	et	et	PROPN
bjmsr-2475	128	3	al	al	PROPN
bjmsr-2475	128	4	.	.	PROPN
bjmsr-2475	129	1	(	(	PUNCT
bjmsr-2475	129	2	2018	2018	NUM
bjmsr-2475	129	3	)	)	PUNCT
bjmsr-2475	129	4	explain	explain	VERB
bjmsr-2475	129	5	that	that	SCONJ
bjmsr-2475	129	6	effort	effort	NOUN
bjmsr-2475	129	7	expectancy	expectancy	NOUN
bjmsr-2475	129	8	describes	describe	VERB
bjmsr-2475	129	9	how	how	SCONJ
bjmsr-2475	129	10	easy	easy	ADJ
bjmsr-2475	129	11	or	or	CCONJ
bjmsr-2475	129	12	difficult	difficult	ADJ
bjmsr-2475	129	13	a	a	DET
bjmsr-2475	129	14	technology	technology	NOUN
bjmsr-2475	129	15	is	be	AUX
bjmsr-2475	129	16	to	to	PART
bjmsr-2475	129	17	use	use	VERB
bjmsr-2475	129	18	,	,	PUNCT
bjmsr-2475	129	19	explaining	explain	VERB
bjmsr-2475	129	20	the	the	DET
bjmsr-2475	129	21	user	user	NOUN
bjmsr-2475	129	22	-	-	PUNCT
bjmsr-2475	129	23	friendly	friendly	ADJ
bjmsr-2475	129	24	and	and	CCONJ
bjmsr-2475	129	25	straightforward	straightforward	ADJ
bjmsr-2475	129	26	nature	nature	NOUN
bjmsr-2475	129	27	of	of	ADP
bjmsr-2475	129	28	the	the	DET
bjmsr-2475	129	29	technology	technology	NOUN
bjmsr-2475	129	30	to	to	ADP
bjmsr-2475	129	31	both	both	CCONJ
bjmsr-2475	129	32	new	new	ADJ
bjmsr-2475	129	33	and	and	CCONJ
bjmsr-2475	129	34	old	old	ADJ
bjmsr-2475	129	35	users	user	NOUN
bjmsr-2475	129	36	.	.	PUNCT
bjmsr-2475	130	1	it	it	PRON
bjmsr-2475	130	2	plays	play	VERB
bjmsr-2475	130	3	a	a	DET
bjmsr-2475	130	4	crucial	crucial	ADJ
bjmsr-2475	130	5	role	role	NOUN
bjmsr-2475	130	6	in	in	ADP
bjmsr-2475	130	7	determining	determine	VERB
bjmsr-2475	130	8	https://www.google.com/search?q=2022	https://www.google.com/search?q=2022	NOUN
bjmsr-2475	130	9	ferli	ferli	X
bjmsr-2475	130	10	et	et	PROPN
bjmsr-2475	130	11	al	al	PROPN
bjmsr-2475	130	12	.	.	PROPN
bjmsr-2475	130	13	,	,	PUNCT
bjmsr-2475	130	14	bangladesh	bangladesh	PROPN
bjmsr-2475	130	15	journal	journal	NOUN
bjmsr-2475	130	16	of	of	ADP
bjmsr-2475	130	17	multidisciplinary	multidisciplinary	ADJ
bjmsr-2475	130	18	scientific	scientific	ADJ
bjmsr-2475	130	19	research	research	NOUN
bjmsr-2475	130	20	10(5	10(5	NOUN
bjmsr-2475	130	21	)	)	PUNCT
bjmsr-2475	130	22	(	(	PUNCT
bjmsr-2475	130	23	2025	2025	NUM
bjmsr-2475	130	24	)	)	PUNCT
bjmsr-2475	130	25	,	,	PUNCT
bjmsr-2475	130	26	46	46	NUM
bjmsr-2475	130	27	-	-	SYM
bjmsr-2475	130	28	55	55	NUM
bjmsr-2475	130	29	49	49	NUM
bjmsr-2475	130	30	whether	whether	SCONJ
bjmsr-2475	130	31	a	a	DET
bjmsr-2475	130	32	cryptocurrency	cryptocurrency	NOUN
bjmsr-2475	130	33	platform	platform	NOUN
bjmsr-2475	130	34	is	be	AUX
bjmsr-2475	130	35	user	user	NOUN
bjmsr-2475	130	36	-	-	PUNCT
bjmsr-2475	130	37	friendly	friendly	ADJ
bjmsr-2475	130	38	.	.	PUNCT
bjmsr-2475	131	1	user	user	NOUN
bjmsr-2475	131	2	satisfaction	satisfaction	NOUN
bjmsr-2475	131	3	also	also	ADV
bjmsr-2475	131	4	plays	play	VERB
bjmsr-2475	131	5	a	a	DET
bjmsr-2475	131	6	vital	vital	ADJ
bjmsr-2475	131	7	role	role	NOUN
bjmsr-2475	131	8	.	.	PUNCT
bjmsr-2475	132	1	users	user	NOUN
bjmsr-2475	132	2	who	who	PRON
bjmsr-2475	132	3	are	be	AUX
bjmsr-2475	132	4	satisfied	satisfied	ADJ
bjmsr-2475	132	5	with	with	ADP
bjmsr-2475	132	6	their	their	PRON
bjmsr-2475	132	7	experience	experience	NOUN
bjmsr-2475	132	8	on	on	ADP
bjmsr-2475	132	9	a	a	DET
bjmsr-2475	132	10	financial	financial	ADJ
bjmsr-2475	132	11	platform	platform	NOUN
bjmsr-2475	132	12	are	be	AUX
bjmsr-2475	132	13	likely	likely	ADJ
bjmsr-2475	132	14	to	to	PART
bjmsr-2475	132	15	continue	continue	VERB
bjmsr-2475	132	16	using	use	VERB
bjmsr-2475	132	17	it	it	PRON
bjmsr-2475	132	18	and	and	CCONJ
bjmsr-2475	132	19	even	even	ADV
bjmsr-2475	132	20	explore	explore	VERB
bjmsr-2475	132	21	other	other	ADJ
bjmsr-2475	132	22	financial	financial	ADJ
bjmsr-2475	132	23	products	product	NOUN
bjmsr-2475	132	24	offered	offer	VERB
bjmsr-2475	132	25	.	.	PUNCT
bjmsr-2475	133	1	this	this	DET
bjmsr-2475	133	2	satisfaction	satisfaction	NOUN
bjmsr-2475	133	3	builds	build	VERB
bjmsr-2475	133	4	loyalty	loyalty	NOUN
bjmsr-2475	133	5	and	and	CCONJ
bjmsr-2475	133	6	long	long	ADJ
bjmsr-2475	133	7	-	-	PUNCT
bjmsr-2475	133	8	term	term	NOUN
bjmsr-2475	133	9	engagement	engagement	NOUN
bjmsr-2475	133	10	,	,	PUNCT
bjmsr-2475	133	11	which	which	PRON
bjmsr-2475	133	12	is	be	AUX
bjmsr-2475	133	13	a	a	DET
bjmsr-2475	133	14	form	form	NOUN
bjmsr-2475	133	15	of	of	ADP
bjmsr-2475	133	16	deeper	deep	ADJ
bjmsr-2475	133	17	financial	financial	ADJ
bjmsr-2475	133	18	inclusion	inclusion	NOUN
bjmsr-2475	133	19	.	.	PUNCT
bjmsr-2475	134	1	garcía	garcía	ADJ
bjmsr-2475	134	2	-	-	PUNCT
bjmsr-2475	134	3	monleón	monleón	NOUN
bjmsr-2475	134	4	et	et	PROPN
bjmsr-2475	134	5	al	al	PROPN
bjmsr-2475	134	6	.	.	PROPN
bjmsr-2475	135	1	(	(	PUNCT
bjmsr-2475	135	2	2023	2023	NUM
bjmsr-2475	135	3	)	)	PUNCT
bjmsr-2475	135	4	focused	focus	VERB
bjmsr-2475	135	5	on	on	ADP
bjmsr-2475	135	6	perceived	perceive	VERB
bjmsr-2475	135	7	value	value	NOUN
bjmsr-2475	135	8	as	as	ADP
bjmsr-2475	135	9	the	the	DET
bjmsr-2475	135	10	key	key	ADJ
bjmsr-2475	135	11	driver	driver	NOUN
bjmsr-2475	135	12	of	of	ADP
bjmsr-2475	135	13	cryptocurrency	cryptocurrency	NOUN
bjmsr-2475	135	14	adoption	adoption	NOUN
bjmsr-2475	135	15	.	.	PUNCT
bjmsr-2475	136	1	their	their	PRON
bjmsr-2475	136	2	findings	finding	NOUN
bjmsr-2475	136	3	show	show	VERB
bjmsr-2475	136	4	that	that	SCONJ
bjmsr-2475	136	5	user	user	NOUN
bjmsr-2475	136	6	satisfaction	satisfaction	NOUN
bjmsr-2475	136	7	is	be	AUX
bjmsr-2475	136	8	determined	determine	VERB
bjmsr-2475	136	9	not	not	PART
bjmsr-2475	136	10	only	only	ADV
bjmsr-2475	136	11	by	by	ADP
bjmsr-2475	136	12	financial	financial	ADJ
bjmsr-2475	136	13	returns	return	NOUN
bjmsr-2475	136	14	but	but	CCONJ
bjmsr-2475	136	15	also	also	ADV
bjmsr-2475	136	16	by	by	ADP
bjmsr-2475	136	17	platform	platform	NOUN
bjmsr-2475	136	18	security	security	NOUN
bjmsr-2475	136	19	,	,	PUNCT
bjmsr-2475	136	20	ease	ease	NOUN
bjmsr-2475	136	21	of	of	ADP
bjmsr-2475	136	22	use	use	NOUN
bjmsr-2475	136	23	,	,	PUNCT
bjmsr-2475	136	24	and	and	CCONJ
bjmsr-2475	136	25	fee	fee	NOUN
bjmsr-2475	136	26	transparency	transparency	NOUN
bjmsr-2475	136	27	factors	factor	NOUN
bjmsr-2475	136	28	that	that	PRON
bjmsr-2475	136	29	contribute	contribute	VERB
bjmsr-2475	136	30	to	to	ADP
bjmsr-2475	136	31	long	long	ADJ
bjmsr-2475	136	32	-	-	PUNCT
bjmsr-2475	136	33	term	term	NOUN
bjmsr-2475	136	34	engagement	engagement	NOUN
bjmsr-2475	136	35	and	and	CCONJ
bjmsr-2475	136	36	inclusion	inclusion	NOUN
bjmsr-2475	136	37	.	.	PUNCT
bjmsr-2475	137	1	el	el	PROPN
bjmsr-2475	137	2	hajj	hajj	PROPN
bjmsr-2475	137	3	and	and	CCONJ
bjmsr-2475	137	4	farran	farran	NOUN
bjmsr-2475	137	5	(	(	PUNCT
bjmsr-2475	137	6	2024	2024	NUM
bjmsr-2475	137	7	)	)	PUNCT
bjmsr-2475	137	8	find	find	VERB
bjmsr-2475	137	9	the	the	DET
bjmsr-2475	137	10	importance	importance	NOUN
bjmsr-2475	137	11	of	of	ADP
bjmsr-2475	137	12	balanced	balanced	ADJ
bjmsr-2475	137	13	regulation	regulation	NOUN
bjmsr-2475	137	14	and	and	CCONJ
bjmsr-2475	137	15	public	public	ADJ
bjmsr-2475	137	16	trust	trust	NOUN
bjmsr-2475	137	17	;	;	PUNCT
bjmsr-2475	137	18	therefore	therefore	ADV
bjmsr-2475	137	19	,	,	PUNCT
bjmsr-2475	137	20	user	user	NOUN
bjmsr-2475	137	21	satisfaction	satisfaction	NOUN
bjmsr-2475	137	22	can	can	AUX
bjmsr-2475	137	23	enhance	enhance	VERB
bjmsr-2475	137	24	financial	financial	ADJ
bjmsr-2475	137	25	inclusion	inclusion	NOUN
bjmsr-2475	137	26	.	.	PUNCT
bjmsr-2475	138	1	therefore	therefore	ADV
bjmsr-2475	138	2	,	,	PUNCT
bjmsr-2475	138	3	this	this	DET
bjmsr-2475	138	4	study	study	NOUN
bjmsr-2475	138	5	aims	aim	VERB
bjmsr-2475	138	6	to	to	PART
bjmsr-2475	138	7	investigate	investigate	VERB
bjmsr-2475	138	8	how	how	SCONJ
bjmsr-2475	138	9	digital	digital	ADJ
bjmsr-2475	138	10	financial	financial	ADJ
bjmsr-2475	138	11	innovations	innovation	NOUN
bjmsr-2475	138	12	,	,	PUNCT
bjmsr-2475	138	13	with	with	ADP
bjmsr-2475	138	14	a	a	DET
bjmsr-2475	138	15	particular	particular	ADJ
bjmsr-2475	138	16	emphasis	emphasis	NOUN
bjmsr-2475	138	17	on	on	ADP
bjmsr-2475	138	18	cryptocurrencies	cryptocurrencie	NOUN
bjmsr-2475	138	19	,	,	PUNCT
bjmsr-2475	138	20	can	can	AUX
bjmsr-2475	138	21	facilitate	facilitate	VERB
bjmsr-2475	138	22	inclusive	inclusive	ADJ
bjmsr-2475	138	23	financial	financial	ADJ
bjmsr-2475	138	24	development	development	NOUN
bjmsr-2475	138	25	in	in	ADP
bjmsr-2475	138	26	emerging	emerge	VERB
bjmsr-2475	138	27	economies	economy	NOUN
bjmsr-2475	138	28	,	,	PUNCT
bjmsr-2475	138	29	focusing	focus	VERB
bjmsr-2475	138	30	specifically	specifically	ADV
bjmsr-2475	138	31	on	on	ADP
bjmsr-2475	138	32	indonesia	indonesia	PROPN
bjmsr-2475	138	33	as	as	ADP
bjmsr-2475	138	34	a	a	DET
bjmsr-2475	138	35	case	case	NOUN
bjmsr-2475	138	36	example	example	NOUN
bjmsr-2475	138	37	.	.	PUNCT
bjmsr-2475	139	1	the	the	DET
bjmsr-2475	139	2	following	follow	VERB
bjmsr-2475	139	3	hypotheses	hypothesis	NOUN
bjmsr-2475	139	4	are	be	AUX
bjmsr-2475	139	5	proposed	propose	VERB
bjmsr-2475	139	6	for	for	ADP
bjmsr-2475	139	7	this	this	DET
bjmsr-2475	139	8	study	study	NOUN
bjmsr-2475	139	9	:	:	PUNCT
bjmsr-2475	139	10	h1	h1	NOUN
bjmsr-2475	139	11	:	:	PUNCT
bjmsr-2475	139	12	cryptocurrency	cryptocurrency	NOUN
bjmsr-2475	139	13	adoption	adoption	NOUN
bjmsr-2475	139	14	(	(	PUNCT
bjmsr-2475	139	15	ca	ca	NOUN
bjmsr-2475	139	16	)	)	PUNCT
bjmsr-2475	139	17	positively	positively	ADV
bjmsr-2475	139	18	influences	influence	VERB
bjmsr-2475	139	19	financial	financial	ADJ
bjmsr-2475	139	20	inclusion	inclusion	NOUN
bjmsr-2475	139	21	(	(	PUNCT
bjmsr-2475	139	22	fi	fi	NOUN
bjmsr-2475	139	23	)	)	PUNCT
bjmsr-2475	139	24	.	.	PUNCT
bjmsr-2475	140	1	h2	h2	NOUN
bjmsr-2475	140	2	:	:	PUNCT
bjmsr-2475	140	3	cryptocurrency	cryptocurrency	NOUN
bjmsr-2475	140	4	adoption	adoption	NOUN
bjmsr-2475	140	5	(	(	PUNCT
bjmsr-2475	140	6	ca	ca	NOUN
bjmsr-2475	140	7	)	)	PUNCT
bjmsr-2475	140	8	positively	positively	ADV
bjmsr-2475	140	9	influences	influence	NOUN
bjmsr-2475	140	10	perceived	perceive	VERB
bjmsr-2475	140	11	economic	economic	ADJ
bjmsr-2475	140	12	empowerment	empowerment	NOUN
bjmsr-2475	140	13	(	(	PUNCT
bjmsr-2475	140	14	pee	pee	NOUN
bjmsr-2475	140	15	)	)	PUNCT
bjmsr-2475	140	16	.	.	PUNCT
bjmsr-2475	141	1	h3	h3	NOUN
bjmsr-2475	141	2	:	:	PUNCT
bjmsr-2475	141	3	cryptocurrency	cryptocurrency	NOUN
bjmsr-2475	141	4	adoption	adoption	NOUN
bjmsr-2475	141	5	(	(	PUNCT
bjmsr-2475	141	6	ca	ca	NOUN
bjmsr-2475	141	7	)	)	PUNCT
bjmsr-2475	141	8	positively	positively	ADV
bjmsr-2475	141	9	influences	influence	VERB
bjmsr-2475	141	10	trust	trust	NOUN
bjmsr-2475	141	11	in	in	ADP
bjmsr-2475	141	12	financial	financial	ADJ
bjmsr-2475	141	13	institutions	institution	NOUN
bjmsr-2475	141	14	(	(	PUNCT
bjmsr-2475	141	15	tfi	tfi	NOUN
bjmsr-2475	141	16	)	)	PUNCT
bjmsr-2475	141	17	.	.	PUNCT
bjmsr-2475	142	1	h4	h4	NOUN
bjmsr-2475	142	2	:	:	PUNCT
bjmsr-2475	142	3	cryptocurrency	cryptocurrency	NOUN
bjmsr-2475	142	4	adoption	adoption	NOUN
bjmsr-2475	142	5	(	(	PUNCT
bjmsr-2475	142	6	ca	ca	NOUN
bjmsr-2475	142	7	)	)	PUNCT
bjmsr-2475	142	8	positively	positively	ADV
bjmsr-2475	142	9	influences	influence	VERB
bjmsr-2475	142	10	user	user	NOUN
bjmsr-2475	142	11	satisfaction	satisfaction	NOUN
bjmsr-2475	142	12	(	(	PUNCT
bjmsr-2475	142	13	us	us	PROPN
bjmsr-2475	142	14	)	)	PUNCT
bjmsr-2475	142	15	.	.	PUNCT
bjmsr-2475	143	1	h5	h5	PROPN
bjmsr-2475	143	2	:	:	PUNCT
bjmsr-2475	143	3	perceived	perceive	VERB
bjmsr-2475	143	4	economic	economic	ADJ
bjmsr-2475	143	5	empowerment	empowerment	NOUN
bjmsr-2475	143	6	(	(	PUNCT
bjmsr-2475	143	7	pee	pee	NOUN
bjmsr-2475	143	8	)	)	PUNCT
bjmsr-2475	143	9	positively	positively	ADV
bjmsr-2475	143	10	influences	influence	VERB
bjmsr-2475	143	11	financial	financial	ADJ
bjmsr-2475	143	12	inclusion	inclusion	NOUN
bjmsr-2475	143	13	(	(	PUNCT
bjmsr-2475	143	14	fi	fi	NOUN
bjmsr-2475	143	15	)	)	PUNCT
bjmsr-2475	143	16	.	.	PUNCT
bjmsr-2475	144	1	h6	h6	PROPN
bjmsr-2475	144	2	:	:	PUNCT
bjmsr-2475	144	3	trust	trust	NOUN
bjmsr-2475	144	4	in	in	ADP
bjmsr-2475	144	5	financial	financial	ADJ
bjmsr-2475	144	6	institutions	institution	NOUN
bjmsr-2475	144	7	(	(	PUNCT
bjmsr-2475	144	8	tfi	tfi	NOUN
bjmsr-2475	144	9	)	)	PUNCT
bjmsr-2475	144	10	positively	positively	ADV
bjmsr-2475	144	11	influences	influence	VERB
bjmsr-2475	144	12	financial	financial	ADJ
bjmsr-2475	144	13	inclusion	inclusion	NOUN
bjmsr-2475	144	14	(	(	PUNCT
bjmsr-2475	144	15	fi	fi	NOUN
bjmsr-2475	144	16	)	)	PUNCT
bjmsr-2475	144	17	.	.	PUNCT
bjmsr-2475	145	1	h7	h7	PROPN
bjmsr-2475	145	2	:	:	PUNCT
bjmsr-2475	145	3	user	user	NOUN
bjmsr-2475	145	4	satisfaction	satisfaction	NOUN
bjmsr-2475	145	5	(	(	PUNCT
bjmsr-2475	145	6	us	we	PRON
bjmsr-2475	145	7	)	)	PUNCT
bjmsr-2475	145	8	positively	positively	ADV
bjmsr-2475	145	9	influences	influence	VERB
bjmsr-2475	145	10	financial	financial	ADJ
bjmsr-2475	145	11	inclusion	inclusion	NOUN
bjmsr-2475	145	12	(	(	PUNCT
bjmsr-2475	145	13	fi	fi	NOUN
bjmsr-2475	145	14	)	)	PUNCT
bjmsr-2475	145	15	.	.	PUNCT
bjmsr-2475	146	1	materials	material	NOUN
bjmsr-2475	146	2	and	and	CCONJ
bjmsr-2475	146	3	methods	method	NOUN
bjmsr-2475	146	4	research	research	NOUN
bjmsr-2475	146	5	design	design	NOUN
bjmsr-2475	146	6	and	and	CCONJ
bjmsr-2475	146	7	data	datum	NOUN
bjmsr-2475	146	8	collection	collection	NOUN
bjmsr-2475	146	9	this	this	DET
bjmsr-2475	146	10	research	research	NOUN
bjmsr-2475	146	11	investigates	investigate	VERB
bjmsr-2475	146	12	how	how	SCONJ
bjmsr-2475	146	13	cryptocurrency	cryptocurrency	NOUN
bjmsr-2475	146	14	adoption	adoption	NOUN
bjmsr-2475	146	15	influences	influence	VERB
bjmsr-2475	146	16	financial	financial	ADJ
bjmsr-2475	146	17	inclusion	inclusion	NOUN
bjmsr-2475	146	18	and	and	CCONJ
bjmsr-2475	146	19	economic	economic	ADJ
bjmsr-2475	146	20	empowerment	empowerment	NOUN
bjmsr-2475	146	21	within	within	ADP
bjmsr-2475	146	22	developing	develop	VERB
bjmsr-2475	146	23	countries	country	NOUN
bjmsr-2475	146	24	.	.	PUNCT
bjmsr-2475	147	1	to	to	PART
bjmsr-2475	147	2	ensure	ensure	VERB
bjmsr-2475	147	3	the	the	DET
bjmsr-2475	147	4	robustness	robustness	NOUN
bjmsr-2475	147	5	of	of	ADP
bjmsr-2475	147	6	the	the	DET
bjmsr-2475	147	7	findings	finding	NOUN
bjmsr-2475	147	8	,	,	PUNCT
bjmsr-2475	147	9	a	a	DET
bjmsr-2475	147	10	structured	structured	ADJ
bjmsr-2475	147	11	survey	survey	NOUN
bjmsr-2475	147	12	was	be	AUX
bjmsr-2475	147	13	designed	design	VERB
bjmsr-2475	147	14	to	to	PART
bjmsr-2475	147	15	evaluate	evaluate	VERB
bjmsr-2475	147	16	five	five	NUM
bjmsr-2475	147	17	core	core	NOUN
bjmsr-2475	147	18	constructs	construct	NOUN
bjmsr-2475	147	19	:	:	PUNCT
bjmsr-2475	147	20	financial	financial	ADJ
bjmsr-2475	147	21	inclusion	inclusion	NOUN
bjmsr-2475	147	22	(	(	PUNCT
bjmsr-2475	147	23	fi	fi	NOUN
bjmsr-2475	147	24	)	)	PUNCT
bjmsr-2475	147	25	,	,	PUNCT
bjmsr-2475	147	26	cryptocurrency	cryptocurrency	NOUN
bjmsr-2475	147	27	adoption	adoption	NOUN
bjmsr-2475	147	28	(	(	PUNCT
bjmsr-2475	147	29	ca	ca	NOUN
bjmsr-2475	147	30	)	)	PUNCT
bjmsr-2475	147	31	,	,	PUNCT
bjmsr-2475	147	32	user	user	NOUN
bjmsr-2475	147	33	satisfaction	satisfaction	NOUN
bjmsr-2475	147	34	(	(	PUNCT
bjmsr-2475	147	35	us	us	PROPN
bjmsr-2475	147	36	)	)	PUNCT
bjmsr-2475	147	37	,	,	PUNCT
bjmsr-2475	147	38	trust	trust	NOUN
bjmsr-2475	147	39	in	in	ADP
bjmsr-2475	147	40	financial	financial	ADJ
bjmsr-2475	147	41	institutions	institution	NOUN
bjmsr-2475	147	42	(	(	PUNCT
bjmsr-2475	147	43	tfi	tfi	NOUN
bjmsr-2475	147	44	)	)	PUNCT
bjmsr-2475	147	45	,	,	PUNCT
bjmsr-2475	147	46	and	and	CCONJ
bjmsr-2475	147	47	perceived	perceive	VERB
bjmsr-2475	147	48	economic	economic	ADJ
bjmsr-2475	147	49	empowerment	empowerment	NOUN
bjmsr-2475	147	50	(	(	PUNCT
bjmsr-2475	147	51	pee	pee	NOUN
bjmsr-2475	147	52	)	)	PUNCT
bjmsr-2475	147	53	.	.	PUNCT
bjmsr-2475	148	1	each	each	DET
bjmsr-2475	148	2	construct	construct	NOUN
bjmsr-2475	148	3	was	be	AUX
bjmsr-2475	148	4	measured	measure	VERB
bjmsr-2475	148	5	using	use	VERB
bjmsr-2475	148	6	validated	validate	VERB
bjmsr-2475	148	7	indicators	indicator	NOUN
bjmsr-2475	148	8	adapted	adapt	VERB
bjmsr-2475	148	9	from	from	ADP
bjmsr-2475	148	10	prior	prior	ADJ
bjmsr-2475	148	11	scholarly	scholarly	ADJ
bjmsr-2475	148	12	works	work	NOUN
bjmsr-2475	148	13	.	.	PUNCT
bjmsr-2475	149	1	respondents	respondent	NOUN
bjmsr-2475	149	2	are	be	AUX
bjmsr-2475	149	3	indonesians	indonesians	PROPN
bjmsr-2475	149	4	who	who	PRON
bjmsr-2475	149	5	have	have	AUX
bjmsr-2475	149	6	invested	invest	VERB
bjmsr-2475	149	7	in	in	ADP
bjmsr-2475	149	8	cryptocurrencies	cryptocurrencie	NOUN
bjmsr-2475	149	9	,	,	PUNCT
bjmsr-2475	149	10	especially	especially	ADV
bjmsr-2475	149	11	bitcoin	bitcoin	ADJ
bjmsr-2475	149	12	,	,	PUNCT
bjmsr-2475	149	13	and	and	CCONJ
bjmsr-2475	149	14	have	have	AUX
bjmsr-2475	149	15	done	do	VERB
bjmsr-2475	149	16	so	so	ADV
bjmsr-2475	149	17	for	for	ADP
bjmsr-2475	149	18	the	the	DET
bjmsr-2475	149	19	past	past	ADJ
bjmsr-2475	149	20	year	year	NOUN
bjmsr-2475	149	21	.	.	PUNCT
bjmsr-2475	150	1	the	the	DET
bjmsr-2475	150	2	minimum	minimum	ADJ
bjmsr-2475	150	3	number	number	NOUN
bjmsr-2475	150	4	of	of	ADP
bjmsr-2475	150	5	respondents	respondent	NOUN
bjmsr-2475	150	6	is	be	AUX
bjmsr-2475	150	7	obtained	obtain	VERB
bjmsr-2475	150	8	from	from	ADP
bjmsr-2475	150	9	the	the	DET
bjmsr-2475	150	10	number	number	NOUN
bjmsr-2475	150	11	of	of	ADP
bjmsr-2475	150	12	indicators	indicator	NOUN
bjmsr-2475	150	13	related	relate	VERB
bjmsr-2475	150	14	to	to	ADP
bjmsr-2475	150	15	research	research	NOUN
bjmsr-2475	150	16	variables	variable	NOUN
bjmsr-2475	150	17	used	use	VERB
bjmsr-2475	150	18	in	in	ADP
bjmsr-2475	150	19	the	the	DET
bjmsr-2475	150	20	model	model	NOUN
bjmsr-2475	150	21	.	.	PUNCT
bjmsr-2475	151	1	in	in	ADP
bjmsr-2475	151	2	total	total	NOUN
bjmsr-2475	151	3	,	,	PUNCT
bjmsr-2475	151	4	there	there	PRON
bjmsr-2475	151	5	are	be	VERB
bjmsr-2475	151	6	25	25	NUM
bjmsr-2475	151	7	indicators	indicator	NOUN
bjmsr-2475	151	8	used	use	VERB
bjmsr-2475	151	9	,	,	PUNCT
bjmsr-2475	151	10	so	so	CCONJ
bjmsr-2475	151	11	the	the	DET
bjmsr-2475	151	12	minimum	minimum	ADJ
bjmsr-2475	151	13	number	number	NOUN
bjmsr-2475	151	14	of	of	ADP
bjmsr-2475	151	15	respondents	respondent	NOUN
bjmsr-2475	151	16	is	be	AUX
bjmsr-2475	151	17	125	125	NUM
bjmsr-2475	151	18	.	.	PUNCT
bjmsr-2475	152	1	this	this	DET
bjmsr-2475	152	2	research	research	NOUN
bjmsr-2475	152	3	was	be	AUX
bjmsr-2475	152	4	conducted	conduct	VERB
bjmsr-2475	152	5	using	use	VERB
bjmsr-2475	152	6	the	the	DET
bjmsr-2475	152	7	smartpls	smartpls	NOUN
bjmsr-2475	152	8	application	application	NOUN
bjmsr-2475	152	9	,	,	PUNCT
bjmsr-2475	152	10	where	where	SCONJ
bjmsr-2475	152	11	pls	pls	PROPN
bjmsr-2475	152	12	-	-	PUNCT
bjmsr-2475	152	13	sem	sem	NOUN
bjmsr-2475	152	14	works	work	VERB
bjmsr-2475	152	15	efficiently	efficiently	ADV
bjmsr-2475	152	16	with	with	ADP
bjmsr-2475	152	17	small	small	ADJ
bjmsr-2475	152	18	sample	sample	NOUN
bjmsr-2475	152	19	sizes	size	NOUN
bjmsr-2475	152	20	when	when	SCONJ
bjmsr-2475	152	21	models	model	NOUN
bjmsr-2475	152	22	are	be	AUX
bjmsr-2475	152	23	complex	complex	ADJ
bjmsr-2475	152	24	(	(	PUNCT
bjmsr-2475	152	25	hair	hair	NOUN
bjmsr-2475	152	26	et	et	PROPN
bjmsr-2475	152	27	al	al	PROPN
bjmsr-2475	152	28	.	.	PROPN
bjmsr-2475	152	29	,	,	PUNCT
bjmsr-2475	152	30	2017	2017	NUM
bjmsr-2475	152	31	;	;	PUNCT
bjmsr-2475	152	32	sarstedt	sarstedt	NOUN
bjmsr-2475	152	33	et	et	PROPN
bjmsr-2475	152	34	al	al	PROPN
bjmsr-2475	152	35	.	.	PROPN
bjmsr-2475	152	36	,	,	PUNCT
bjmsr-2475	152	37	2021	2021	NUM
bjmsr-2475	152	38	)	)	PUNCT
bjmsr-2475	152	39	.	.	PUNCT
bjmsr-2475	153	1	data	datum	NOUN
bjmsr-2475	153	2	was	be	AUX
bjmsr-2475	153	3	collected	collect	VERB
bjmsr-2475	153	4	via	via	ADP
bjmsr-2475	153	5	google	google	PROPN
bjmsr-2475	153	6	forms	form	NOUN
bjmsr-2475	153	7	,	,	PUNCT
bjmsr-2475	153	8	ensuring	ensure	VERB
bjmsr-2475	153	9	anonymity	anonymity	NOUN
bjmsr-2475	153	10	and	and	CCONJ
bjmsr-2475	153	11	confidentiality	confidentiality	NOUN
bjmsr-2475	153	12	.	.	PUNCT
bjmsr-2475	154	1	a	a	DET
bjmsr-2475	154	2	pre	pre	NOUN
bjmsr-2475	154	3	-	-	NOUN
bjmsr-2475	154	4	test	test	NOUN
bjmsr-2475	154	5	with	with	ADP
bjmsr-2475	154	6	20	20	NUM
bjmsr-2475	154	7	participants	participant	NOUN
bjmsr-2475	154	8	confirmed	confirm	VERB
bjmsr-2475	154	9	the	the	DET
bjmsr-2475	154	10	validity	validity	NOUN
bjmsr-2475	154	11	of	of	ADP
bjmsr-2475	154	12	the	the	DET
bjmsr-2475	154	13	survey	survey	NOUN
bjmsr-2475	154	14	's	's	PART
bjmsr-2475	154	15	25	25	NUM
bjmsr-2475	154	16	questions	question	NOUN
bjmsr-2475	154	17	,	,	PUNCT
bjmsr-2475	154	18	with	with	ADP
bjmsr-2475	154	19	five	five	NUM
bjmsr-2475	154	20	questions	question	NOUN
bjmsr-2475	154	21	per	per	ADP
bjmsr-2475	154	22	variable	variable	NOUN
bjmsr-2475	154	23	.	.	PUNCT
bjmsr-2475	155	1	this	this	DET
bjmsr-2475	155	2	study	study	NOUN
bjmsr-2475	155	3	adopted	adopt	VERB
bjmsr-2475	155	4	a	a	DET
bjmsr-2475	155	5	non	non	ADJ
bjmsr-2475	155	6	-	-	ADJ
bjmsr-2475	155	7	probability	probability	ADJ
bjmsr-2475	155	8	purposive	purposive	ADJ
bjmsr-2475	155	9	sampling	sampling	NOUN
bjmsr-2475	155	10	method	method	NOUN
bjmsr-2475	155	11	,	,	PUNCT
bjmsr-2475	155	12	as	as	SCONJ
bjmsr-2475	155	13	used	use	VERB
bjmsr-2475	155	14	by	by	ADP
bjmsr-2475	155	15	abbasi	abbasi	PROPN
bjmsr-2475	155	16	et	et	PROPN
bjmsr-2475	155	17	al	al	PROPN
bjmsr-2475	155	18	.	.	PROPN
bjmsr-2475	156	1	(	(	PUNCT
bjmsr-2475	156	2	2021	2021	NUM
bjmsr-2475	156	3	)	)	PUNCT
bjmsr-2475	156	4	.	.	PUNCT
bjmsr-2475	157	1	the	the	DET
bjmsr-2475	157	2	survey	survey	NOUN
bjmsr-2475	157	3	used	use	VERB
bjmsr-2475	157	4	a	a	DET
bjmsr-2475	157	5	6	6	NUM
bjmsr-2475	157	6	-	-	PUNCT
bjmsr-2475	157	7	point	point	NOUN
bjmsr-2475	157	8	likert	likert	ADJ
bjmsr-2475	157	9	scale	scale	NOUN
bjmsr-2475	157	10	(	(	PUNCT
bjmsr-2475	157	11	1	1	NUM
bjmsr-2475	157	12	=	=	NUM
bjmsr-2475	157	13	strongly	strongly	ADV
bjmsr-2475	157	14	disagree	disagree	VERB
bjmsr-2475	157	15	,	,	PUNCT
bjmsr-2475	157	16	6	6	NUM
bjmsr-2475	157	17	=	=	PRON
bjmsr-2475	157	18	strongly	strongly	ADV
bjmsr-2475	157	19	agree	agree	VERB
bjmsr-2475	157	20	)	)	PUNCT
bjmsr-2475	157	21	.	.	PUNCT
bjmsr-2475	158	1	participants	participant	NOUN
bjmsr-2475	158	2	were	be	AUX
bjmsr-2475	158	3	recruited	recruit	VERB
bjmsr-2475	158	4	through	through	ADP
bjmsr-2475	158	5	social	social	ADJ
bjmsr-2475	158	6	media	medium	NOUN
bjmsr-2475	158	7	,	,	PUNCT
bjmsr-2475	158	8	email	email	NOUN
bjmsr-2475	158	9	campaigns	campaign	NOUN
bjmsr-2475	158	10	,	,	PUNCT
bjmsr-2475	158	11	and	and	CCONJ
bjmsr-2475	158	12	community	community	NOUN
bjmsr-2475	158	13	partnerships	partnership	NOUN
bjmsr-2475	158	14	.	.	PUNCT
bjmsr-2475	159	1	the	the	DET
bjmsr-2475	159	2	final	final	ADJ
bjmsr-2475	159	3	sample	sample	NOUN
bjmsr-2475	159	4	included	include	VERB
bjmsr-2475	159	5	147	147	NUM
bjmsr-2475	159	6	respondents	respondent	NOUN
bjmsr-2475	159	7	from	from	ADP
bjmsr-2475	159	8	diverse	diverse	ADJ
bjmsr-2475	159	9	demographics	demographic	NOUN
bjmsr-2475	159	10	,	,	PUNCT
bjmsr-2475	159	11	including	include	VERB
bjmsr-2475	159	12	income	income	NOUN
bjmsr-2475	159	13	,	,	PUNCT
bjmsr-2475	159	14	age	age	NOUN
bjmsr-2475	159	15	,	,	PUNCT
bjmsr-2475	159	16	education	education	NOUN
bjmsr-2475	159	17	,	,	PUNCT
bjmsr-2475	159	18	and	and	CCONJ
bjmsr-2475	159	19	location	location	NOUN
bjmsr-2475	159	20	.	.	PUNCT
bjmsr-2475	160	1	pls	pls	VERB
bjmsr-2475	160	2	analysis	analysis	NOUN
bjmsr-2475	160	3	results	result	NOUN
bjmsr-2475	160	4	are	be	AUX
bjmsr-2475	160	5	based	base	VERB
bjmsr-2475	160	6	on	on	ADP
bjmsr-2475	160	7	this	this	DET
bjmsr-2475	160	8	sample	sample	NOUN
bjmsr-2475	160	9	,	,	PUNCT
bjmsr-2475	160	10	with	with	ADP
bjmsr-2475	160	11	demographics	demographic	NOUN
bjmsr-2475	160	12	showing	show	VERB
bjmsr-2475	160	13	that	that	SCONJ
bjmsr-2475	160	14	all	all	DET
bjmsr-2475	160	15	respondents	respondent	NOUN
bjmsr-2475	160	16	'	'	PART
bjmsr-2475	160	17	ages	age	NOUN
bjmsr-2475	160	18	are	be	AUX
bjmsr-2475	160	19	in	in	ADP
bjmsr-2475	160	20	the	the	DET
bjmsr-2475	160	21	active	active	ADJ
bjmsr-2475	160	22	stage	stage	NOUN
bjmsr-2475	160	23	,	,	PUNCT
bjmsr-2475	160	24	most	most	ADJ
bjmsr-2475	160	25	of	of	ADP
bjmsr-2475	160	26	them	they	PRON
bjmsr-2475	160	27	have	have	VERB
bjmsr-2475	160	28	bachelor	bachelor	NOUN
bjmsr-2475	160	29	's	's	PART
bjmsr-2475	160	30	degrees	degree	NOUN
bjmsr-2475	160	31	(	(	PUNCT
bjmsr-2475	160	32	around	around	ADV
bjmsr-2475	160	33	75	75	NUM
bjmsr-2475	160	34	%	%	NOUN
bjmsr-2475	160	35	)	)	PUNCT
bjmsr-2475	160	36	,	,	PUNCT
bjmsr-2475	160	37	high	high	ADJ
bjmsr-2475	160	38	school	school	NOUN
bjmsr-2475	160	39	graduates	graduate	NOUN
bjmsr-2475	160	40	(	(	PUNCT
bjmsr-2475	160	41	24	24	NUM
bjmsr-2475	160	42	%	%	NOUN
bjmsr-2475	160	43	)	)	PUNCT
bjmsr-2475	160	44	,	,	PUNCT
bjmsr-2475	160	45	and	and	CCONJ
bjmsr-2475	160	46	professional	professional	ADJ
bjmsr-2475	160	47	workers	worker	NOUN
bjmsr-2475	160	48	(	(	PUNCT
bjmsr-2475	160	49	1	1	NUM
bjmsr-2475	160	50	%	%	NOUN
bjmsr-2475	160	51	)	)	PUNCT
bjmsr-2475	160	52	.	.	PUNCT
bjmsr-2475	161	1	60	60	NUM
bjmsr-2475	161	2	%	%	NOUN
bjmsr-2475	161	3	of	of	ADP
bjmsr-2475	161	4	respondents	respondent	NOUN
bjmsr-2475	161	5	live	live	VERB
bjmsr-2475	161	6	in	in	ADP
bjmsr-2475	161	7	jakarta	jakarta	PROPN
bjmsr-2475	161	8	,	,	PUNCT
bjmsr-2475	161	9	the	the	DET
bjmsr-2475	161	10	rest	rest	NOUN
bjmsr-2475	161	11	live	live	VERB
bjmsr-2475	161	12	outside	outside	ADP
bjmsr-2475	161	13	jakarta	jakarta	PROPN
bjmsr-2475	161	14	.	.	PUNCT
bjmsr-2475	162	1	the	the	DET
bjmsr-2475	162	2	survey	survey	NOUN
bjmsr-2475	162	3	model	model	NOUN
bjmsr-2475	162	4	and	and	CCONJ
bjmsr-2475	162	5	their	their	PRON
bjmsr-2475	162	6	indicators	indicator	NOUN
bjmsr-2475	162	7	are	be	AUX
bjmsr-2475	162	8	shown	show	VERB
bjmsr-2475	162	9	in	in	ADP
bjmsr-2475	162	10	table	table	NOUN
bjmsr-2475	162	11	1	1	NUM
bjmsr-2475	162	12	.	.	PUNCT
bjmsr-2475	162	13	table	table	NOUN
bjmsr-2475	162	14	1	1	NUM
bjmsr-2475	162	15	.	.	PUNCT
bjmsr-2475	162	16	survey	survey	NOUN
bjmsr-2475	162	17	model	model	NOUN
bjmsr-2475	162	18	and	and	CCONJ
bjmsr-2475	162	19	indicators	indicator	NOUN
bjmsr-2475	162	20	survey	survey	VERB
bjmsr-2475	162	21	model	model	NOUN
bjmsr-2475	162	22	indicators	indicator	NOUN
bjmsr-2475	162	23	financial	financial	ADJ
bjmsr-2475	162	24	inclusion	inclusion	NOUN
bjmsr-2475	162	25	(	(	PUNCT
bjmsr-2475	162	26	fi	fi	NOUN
bjmsr-2475	162	27	)	)	PUNCT
bjmsr-2475	162	28	access	access	NOUN
bjmsr-2475	162	29	to	to	ADP
bjmsr-2475	162	30	banking	banking	NOUN
bjmsr-2475	162	31	services	service	NOUN
bjmsr-2475	162	32	,	,	PUNCT
bjmsr-2475	162	33	use	use	NOUN
bjmsr-2475	162	34	of	of	ADP
bjmsr-2475	162	35	financial	financial	ADJ
bjmsr-2475	162	36	products	product	NOUN
bjmsr-2475	162	37	,	,	PUNCT
bjmsr-2475	162	38	and	and	CCONJ
bjmsr-2475	162	39	financial	financial	ADJ
bjmsr-2475	162	40	literacy	literacy	NOUN
bjmsr-2475	162	41	cryptocurrency	cryptocurrency	NOUN
bjmsr-2475	162	42	adoption	adoption	NOUN
bjmsr-2475	162	43	(	(	PUNCT
bjmsr-2475	162	44	ca	ca	NOUN
bjmsr-2475	162	45	)	)	PUNCT
bjmsr-2475	162	46	frequency	frequency	NOUN
bjmsr-2475	162	47	of	of	ADP
bjmsr-2475	162	48	use	use	NOUN
bjmsr-2475	162	49	,	,	PUNCT
bjmsr-2475	162	50	amount	amount	NOUN
bjmsr-2475	162	51	invested	invest	VERB
bjmsr-2475	162	52	,	,	PUNCT
bjmsr-2475	162	53	duration	duration	NOUN
bjmsr-2475	162	54	of	of	ADP
bjmsr-2475	162	55	use	use	NOUN
bjmsr-2475	162	56	user	user	NOUN
bjmsr-2475	162	57	satisfaction	satisfaction	NOUN
bjmsr-2475	162	58	(	(	PUNCT
bjmsr-2475	162	59	us	we	PRON
bjmsr-2475	162	60	)	)	PUNCT
bjmsr-2475	162	61	perceived	perceive	VERB
bjmsr-2475	162	62	benefits	benefit	NOUN
bjmsr-2475	162	63	,	,	PUNCT
bjmsr-2475	162	64	ease	ease	NOUN
bjmsr-2475	162	65	of	of	ADP
bjmsr-2475	162	66	use	use	NOUN
bjmsr-2475	162	67	,	,	PUNCT
bjmsr-2475	162	68	overall	overall	ADJ
bjmsr-2475	162	69	satisfaction	satisfaction	NOUN
bjmsr-2475	162	70	trust	trust	NOUN
bjmsr-2475	162	71	in	in	ADP
bjmsr-2475	162	72	financial	financial	ADJ
bjmsr-2475	162	73	inclusion	inclusion	NOUN
bjmsr-2475	162	74	(	(	PUNCT
bjmsr-2475	162	75	tfi	tfi	NOUN
bjmsr-2475	162	76	)	)	PUNCT
bjmsr-2475	162	77	trust	trust	NOUN
bjmsr-2475	162	78	in	in	ADP
bjmsr-2475	162	79	banks	bank	NOUN
bjmsr-2475	162	80	,	,	PUNCT
bjmsr-2475	162	81	trust	trust	NOUN
bjmsr-2475	162	82	in	in	ADP
bjmsr-2475	162	83	government	government	NOUN
bjmsr-2475	162	84	financial	financial	ADJ
bjmsr-2475	162	85	policies	policy	NOUN
bjmsr-2475	162	86	,	,	PUNCT
bjmsr-2475	162	87	trust	trust	NOUN
bjmsr-2475	162	88	in	in	ADP
bjmsr-2475	162	89	cryptocurrency	cryptocurrency	NOUN
bjmsr-2475	162	90	platforms	platform	NOUN
bjmsr-2475	162	91	perceive	perceive	VERB
bjmsr-2475	162	92	economic	economic	ADJ
bjmsr-2475	162	93	empowerment	empowerment	NOUN
bjmsr-2475	162	94	(	(	PUNCT
bjmsr-2475	162	95	pee	pee	NOUN
bjmsr-2475	162	96	)	)	PUNCT
bjmsr-2475	162	97	control	control	NOUN
bjmsr-2475	162	98	over	over	ADP
bjmsr-2475	162	99	financial	financial	ADJ
bjmsr-2475	162	100	decisions	decision	NOUN
bjmsr-2475	162	101	,	,	PUNCT
bjmsr-2475	162	102	ability	ability	NOUN
bjmsr-2475	162	103	to	to	PART
bjmsr-2475	162	104	save	save	VERB
bjmsr-2475	162	105	,	,	PUNCT
bjmsr-2475	162	106	and	and	CCONJ
bjmsr-2475	162	107	economic	economic	ADJ
bjmsr-2475	162	108	stability	stability	NOUN
bjmsr-2475	162	109	results	result	VERB
bjmsr-2475	162	110	research	research	NOUN
bjmsr-2475	162	111	model	model	NOUN
bjmsr-2475	162	112	eligibility	eligibility	NOUN
bjmsr-2475	162	113	the	the	DET
bjmsr-2475	162	114	outer	outer	ADJ
bjmsr-2475	162	115	loading	loading	NOUN
bjmsr-2475	162	116	values	value	NOUN
bjmsr-2475	162	117	for	for	ADP
bjmsr-2475	162	118	all	all	DET
bjmsr-2475	162	119	pointers	pointer	NOUN
bjmsr-2475	162	120	are	be	AUX
bjmsr-2475	162	121	over	over	ADP
bjmsr-2475	162	122	the	the	DET
bjmsr-2475	162	123	edge	edge	NOUN
bjmsr-2475	162	124	of	of	ADP
bjmsr-2475	162	125	0.70	0.70	NUM
bjmsr-2475	162	126	,	,	PUNCT
bjmsr-2475	162	127	demonstrating	demonstrate	VERB
bjmsr-2475	162	128	that	that	SCONJ
bjmsr-2475	162	129	each	each	DET
bjmsr-2475	162	130	pointer	pointer	NOUN
bjmsr-2475	162	131	dependably	dependably	ADV
bjmsr-2475	162	132	contributes	contribute	VERB
bjmsr-2475	162	133	to	to	ADP
bjmsr-2475	162	134	measuring	measure	VERB
bjmsr-2475	162	135	its	its	PRON
bjmsr-2475	162	136	individual	individual	ADJ
bjmsr-2475	162	137	build	build	NOUN
bjmsr-2475	162	138	.	.	PUNCT
bjmsr-2475	163	1	this	this	PRON
bjmsr-2475	163	2	fulfills	fulfill	VERB
bjmsr-2475	163	3	a	a	DET
bjmsr-2475	163	4	key	key	ADJ
bjmsr-2475	163	5	prerequisite	prerequisite	NOUN
bjmsr-2475	163	6	for	for	ADP
bjmsr-2475	163	7	focalized	focalized	ADJ
bjmsr-2475	163	8	legitimacy	legitimacy	NOUN
bjmsr-2475	163	9	,	,	PUNCT
bjmsr-2475	163	10	where	where	SCONJ
bjmsr-2475	163	11	high	high	ADJ
bjmsr-2475	163	12	factor	factor	NOUN
bjmsr-2475	163	13	loadings	loading	NOUN
bjmsr-2475	163	14	affirm	affirm	NOUN
bjmsr-2475	163	15	that	that	SCONJ
bjmsr-2475	163	16	the	the	DET
bjmsr-2475	163	17	observed	observed	ADJ
bjmsr-2475	163	18	factors	factor	NOUN
bjmsr-2475	163	19	share	share	VERB
bjmsr-2475	163	20	adequate	adequate	ADJ
bjmsr-2475	163	21	change	change	NOUN
bjmsr-2475	163	22	with	with	ADP
bjmsr-2475	163	23	their	their	PRON
bjmsr-2475	163	24	unobserved	unobserved	ADJ
bjmsr-2475	163	25	factors	factor	NOUN
bjmsr-2475	163	26	.	.	PUNCT
bjmsr-2475	164	1	since	since	SCONJ
bjmsr-2475	164	2	each	each	DET
bjmsr-2475	164	3	pointer	pointer	NOUN
bjmsr-2475	164	4	unequivocally	unequivocally	ADV
bjmsr-2475	164	5	relates	relate	VERB
bjmsr-2475	164	6	to	to	ADP
bjmsr-2475	164	7	the	the	DET
bjmsr-2475	164	8	development	development	NOUN
bjmsr-2475	164	9	,	,	PUNCT
bjmsr-2475	164	10	it	it	PRON
bjmsr-2475	164	11	is	be	AUX
bjmsr-2475	164	12	expected	expect	VERB
bjmsr-2475	164	13	that	that	SCONJ
bjmsr-2475	164	14	,	,	PUNCT
bjmsr-2475	164	15	to	to	ADP
bjmsr-2475	164	16	a	a	DET
bjmsr-2475	164	17	degree	degree	NOUN
bjmsr-2475	164	18	,	,	PUNCT
bjmsr-2475	164	19	the	the	DET
bjmsr-2475	164	20	estimation	estimation	NOUN
bjmsr-2475	164	21	demonstrates	demonstrate	VERB
bjmsr-2475	164	22	a	a	DET
bjmsr-2475	164	23	satisfactory	satisfactory	ADJ
bjmsr-2475	164	24	level	level	NOUN
bjmsr-2475	164	25	of	of	ADP
bjmsr-2475	164	26	concurrent	concurrent	ADJ
bjmsr-2475	164	27	legitimacy	legitimacy	NOUN
bjmsr-2475	164	28	.	.	PUNCT
bjmsr-2475	165	1	hence	hence	ADV
bjmsr-2475	165	2	,	,	PUNCT
bjmsr-2475	165	3	the	the	DET
bjmsr-2475	165	4	pointers	pointer	NOUN
bjmsr-2475	165	5	utilized	utilize	VERB
bjmsr-2475	165	6	can	can	AUX
bjmsr-2475	165	7	be	be	AUX
bjmsr-2475	165	8	measurably	measurably	ADV
bjmsr-2475	165	9	substantial	substantial	ADJ
bjmsr-2475	165	10	and	and	CCONJ
bjmsr-2475	165	11	fitting	fitting	ADJ
bjmsr-2475	165	12	to	to	PART
bjmsr-2475	165	13	encourage	encourage	VERB
bjmsr-2475	165	14	investigation	investigation	NOUN
bjmsr-2475	165	15	at	at	ADP
bjmsr-2475	165	16	the	the	DET
bjmsr-2475	165	17	auxiliary	auxiliary	ADJ
bjmsr-2475	165	18	show	show	NOUN
bjmsr-2475	165	19	organization	organization	NOUN
bjmsr-2475	165	20	.	.	PUNCT
bjmsr-2475	166	1	table	table	NOUN
bjmsr-2475	166	2	2	2	NUM
bjmsr-2475	166	3	.	.	PUNCT
bjmsr-2475	166	4	reliability	reliability	NOUN
bjmsr-2475	166	5	and	and	CCONJ
bjmsr-2475	166	6	validity	validity	NOUN
bjmsr-2475	166	7	test	test	NOUN
bjmsr-2475	166	8	cronbach	cronbach	PROPN
bjmsr-2475	166	9	's	's	PART
bjmsr-2475	166	10	alpha	alpha	NOUN
bjmsr-2475	166	11	rho_a	rho_a	NOUN
bjmsr-2475	166	12	composite	composite	ADJ
bjmsr-2475	166	13	reliability	reliability	NOUN
bjmsr-2475	166	14	average	average	ADJ
bjmsr-2475	166	15	variance	variance	NOUN
bjmsr-2475	166	16	extracted	extract	VERB
bjmsr-2475	166	17	(	(	PUNCT
bjmsr-2475	166	18	ave	ave	NOUN
bjmsr-2475	166	19	)	)	PUNCT
bjmsr-2475	166	20	ca	can	AUX
bjmsr-2475	166	21	0.954	0.954	NUM
bjmsr-2475	166	22	0.954	0.954	NUM
bjmsr-2475	166	23	0.965	0.965	NUM
bjmsr-2475	166	24	0.845	0.845	NUM
bjmsr-2475	166	25	fi	fi	NOUN
bjmsr-2475	166	26	0.89	0.89	NUM
bjmsr-2475	166	27	0.894	0.894	NUM
bjmsr-2475	166	28	0.919	0.919	NUM
bjmsr-2475	166	29	0.695	0.695	NUM
bjmsr-2475	166	30	pee	pee	NOUN
bjmsr-2475	166	31	0.893	0.893	NUM
bjmsr-2475	166	32	0.895	0.895	NUM
bjmsr-2475	166	33	0.921	0.921	NUM
bjmsr-2475	166	34	0.701	0.701	NUM
bjmsr-2475	166	35	tfi	tfi	X
bjmsr-2475	166	36	0.806	0.806	NUM
bjmsr-2475	166	37	0.851	0.851	NUM
bjmsr-2475	166	38	0.884	0.884	NUM
bjmsr-2475	166	39	0.72	0.72	NUM
bjmsr-2475	166	40	us	us	PROPN
bjmsr-2475	166	41	0.89	0.89	NUM
bjmsr-2475	166	42	0.899	0.899	NUM
bjmsr-2475	166	43	0.919	0.919	NUM
bjmsr-2475	166	44	0.696	0.696	NUM
bjmsr-2475	166	45	source	source	NOUN
bjmsr-2475	166	46	:	:	PUNCT
bjmsr-2475	166	47	author	author	PROPN
bjmsr-2475	166	48	’s	’s	PART
bjmsr-2475	166	49	data	datum	NOUN
bjmsr-2475	166	50	processing	processing	NOUN
bjmsr-2475	166	51	(	(	PUNCT
bjmsr-2475	166	52	2025	2025	NUM
bjmsr-2475	166	53	)	)	PUNCT
bjmsr-2475	166	54	ferli	ferli	NOUN
bjmsr-2475	166	55	et	et	PROPN
bjmsr-2475	166	56	al	al	PROPN
bjmsr-2475	166	57	.	.	PROPN
bjmsr-2475	166	58	,	,	PUNCT
bjmsr-2475	166	59	bangladesh	bangladesh	PROPN
bjmsr-2475	166	60	journal	journal	NOUN
bjmsr-2475	166	61	of	of	ADP
bjmsr-2475	166	62	multidisciplinary	multidisciplinary	ADJ
bjmsr-2475	166	63	scientific	scientific	ADJ
bjmsr-2475	166	64	research	research	NOUN
bjmsr-2475	166	65	10(5	10(5	NOUN
bjmsr-2475	166	66	)	)	PUNCT
bjmsr-2475	166	67	(	(	PUNCT
bjmsr-2475	166	68	2025	2025	NUM
bjmsr-2475	166	69	)	)	PUNCT
bjmsr-2475	166	70	,	,	PUNCT
bjmsr-2475	166	71	46	46	NUM
bjmsr-2475	166	72	-	-	SYM
bjmsr-2475	166	73	55	55	NUM
bjmsr-2475	166	74	50	50	NUM
bjmsr-2475	166	75	based	base	VERB
bjmsr-2475	166	76	on	on	ADP
bjmsr-2475	166	77	the	the	DET
bjmsr-2475	166	78	reliability	reliability	NOUN
bjmsr-2475	166	79	and	and	CCONJ
bjmsr-2475	166	80	validity	validity	NOUN
bjmsr-2475	166	81	test	test	NOUN
bjmsr-2475	166	82	results	result	NOUN
bjmsr-2475	166	83	shown	show	VERB
bjmsr-2475	166	84	in	in	ADP
bjmsr-2475	166	85	table	table	NOUN
bjmsr-2475	166	86	2	2	NUM
bjmsr-2475	166	87	,	,	PUNCT
bjmsr-2475	166	88	all	all	PRON
bjmsr-2475	166	89	constructs	construct	NOUN
bjmsr-2475	166	90	in	in	ADP
bjmsr-2475	166	91	the	the	DET
bjmsr-2475	166	92	model	model	NOUN
bjmsr-2475	166	93	meet	meet	VERB
bjmsr-2475	166	94	the	the	DET
bjmsr-2475	166	95	measurement	measurement	NOUN
bjmsr-2475	166	96	feasibility	feasibility	NOUN
bjmsr-2475	166	97	criteria	criterion	NOUN
bjmsr-2475	166	98	.	.	PUNCT
bjmsr-2475	167	1	the	the	DET
bjmsr-2475	167	2	composite	composite	ADJ
bjmsr-2475	167	3	reliability	reliability	NOUN
bjmsr-2475	167	4	value	value	NOUN
bjmsr-2475	167	5	is	be	AUX
bjmsr-2475	167	6	above	above	ADP
bjmsr-2475	167	7	0.70	0.70	NUM
bjmsr-2475	167	8	and	and	CCONJ
bjmsr-2475	167	9	cronbach	cronbach	NOUN
bjmsr-2475	167	10	's	's	PART
bjmsr-2475	167	11	alpha	alpha	NOUN
bjmsr-2475	167	12	is	be	AUX
bjmsr-2475	167	13	above	above	ADP
bjmsr-2475	167	14	0.60	0.60	NUM
bjmsr-2475	167	15	for	for	ADP
bjmsr-2475	167	16	all	all	DET
bjmsr-2475	167	17	constructs	construct	NOUN
bjmsr-2475	167	18	,	,	PUNCT
bjmsr-2475	167	19	which	which	PRON
bjmsr-2475	167	20	indicates	indicate	VERB
bjmsr-2475	167	21	that	that	SCONJ
bjmsr-2475	167	22	the	the	DET
bjmsr-2475	167	23	indicators	indicator	NOUN
bjmsr-2475	167	24	used	use	VERB
bjmsr-2475	167	25	have	have	VERB
bjmsr-2475	167	26	excellent	excellent	ADJ
bjmsr-2475	167	27	internal	internal	ADJ
bjmsr-2475	167	28	consistency	consistency	NOUN
bjmsr-2475	167	29	.	.	PUNCT
bjmsr-2475	168	1	in	in	ADP
bjmsr-2475	168	2	addition	addition	NOUN
bjmsr-2475	168	3	,	,	PUNCT
bjmsr-2475	168	4	the	the	DET
bjmsr-2475	168	5	average	average	ADJ
bjmsr-2475	168	6	variance	variance	NOUN
bjmsr-2475	168	7	extracted	extract	VERB
bjmsr-2475	168	8	(	(	PUNCT
bjmsr-2475	168	9	ave	ave	NOUN
bjmsr-2475	168	10	)	)	PUNCT
bjmsr-2475	168	11	value	value	NOUN
bjmsr-2475	168	12	of	of	ADP
bjmsr-2475	168	13	all	all	DET
bjmsr-2475	168	14	constructs	construct	NOUN
bjmsr-2475	168	15	also	also	ADV
bjmsr-2475	168	16	exceeds	exceed	VERB
bjmsr-2475	168	17	the	the	DET
bjmsr-2475	168	18	0.50	0.50	NUM
bjmsr-2475	168	19	threshold	threshold	NOUN
bjmsr-2475	168	20	,	,	PUNCT
bjmsr-2475	168	21	which	which	PRON
bjmsr-2475	168	22	indicates	indicate	VERB
bjmsr-2475	168	23	that	that	SCONJ
bjmsr-2475	168	24	their	their	PRON
bjmsr-2475	168	25	respective	respective	ADJ
bjmsr-2475	168	26	latent	latent	NOUN
bjmsr-2475	168	27	constructs	construct	NOUN
bjmsr-2475	168	28	can	can	AUX
bjmsr-2475	168	29	explain	explain	VERB
bjmsr-2475	168	30	more	more	ADJ
bjmsr-2475	168	31	than	than	ADP
bjmsr-2475	168	32	50	50	NUM
bjmsr-2475	168	33	%	%	NOUN
bjmsr-2475	168	34	of	of	ADP
bjmsr-2475	168	35	the	the	DET
bjmsr-2475	168	36	indicator	indicator	NOUN
bjmsr-2475	168	37	variance	variance	NOUN
bjmsr-2475	168	38	.	.	PUNCT
bjmsr-2475	169	1	thus	thus	ADV
bjmsr-2475	169	2	,	,	PUNCT
bjmsr-2475	169	3	both	both	CCONJ
bjmsr-2475	169	4	reliability	reliability	NOUN
bjmsr-2475	169	5	and	and	CCONJ
bjmsr-2475	169	6	convergent	convergent	NOUN
bjmsr-2475	169	7	validity	validity	NOUN
bjmsr-2475	169	8	in	in	ADP
bjmsr-2475	169	9	this	this	DET
bjmsr-2475	169	10	model	model	NOUN
bjmsr-2475	169	11	can	can	AUX
bjmsr-2475	169	12	be	be	AUX
bjmsr-2475	169	13	declared	declare	VERB
bjmsr-2475	169	14	adequate	adequate	ADJ
bjmsr-2475	169	15	and	and	CCONJ
bjmsr-2475	169	16	valid	valid	ADJ
bjmsr-2475	169	17	.	.	PUNCT
bjmsr-2475	169	18	table	table	NOUN
bjmsr-2475	170	1	3	3	NUM
bjmsr-2475	170	2	.	.	X
bjmsr-2475	170	3	cross	cross	NOUN
bjmsr-2475	170	4	loading	loading	NOUN
bjmsr-2475	170	5	test	test	NOUN
bjmsr-2475	170	6	ca	can	AUX
bjmsr-2475	170	7	fi	fi	VERB
bjmsr-2475	170	8	pee	pee	NOUN
bjmsr-2475	170	9	tfi	tfi	X
bjmsr-2475	170	10	us	us	PROPN
bjmsr-2475	170	11	ca1	ca1	PROPN
bjmsr-2475	170	12	0.908	0.908	NUM
bjmsr-2475	170	13	0.46	0.46	NUM
bjmsr-2475	170	14	0.783	0.783	NUM
bjmsr-2475	170	15	0.696	0.696	NUM
bjmsr-2475	170	16	0.82	0.82	NUM
bjmsr-2475	170	17	ca2	ca2	PROPN
bjmsr-2475	170	18	0.951	0.951	NUM
bjmsr-2475	170	19	0.499	0.499	NUM
bjmsr-2475	170	20	0.745	0.745	NUM
bjmsr-2475	170	21	0.676	0.676	NUM
bjmsr-2475	170	22	0.811	0.811	NUM
bjmsr-2475	170	23	ca3	ca3	NOUN
bjmsr-2475	170	24	0.946	0.946	NUM
bjmsr-2475	170	25	0.534	0.534	NUM
bjmsr-2475	170	26	0.798	0.798	NUM
bjmsr-2475	170	27	0.66	0.66	NUM
bjmsr-2475	170	28	0.827	0.827	NUM
bjmsr-2475	170	29	ca4	ca4	NOUN
bjmsr-2475	170	30	0.907	0.907	NUM
bjmsr-2475	170	31	0.648	0.648	NUM
bjmsr-2475	170	32	0.745	0.745	NUM
bjmsr-2475	170	33	0.718	0.718	NUM
bjmsr-2475	170	34	0.805	0.805	NUM
bjmsr-2475	170	35	ca5	ca5	X
bjmsr-2475	170	36	0.881	0.881	NUM
bjmsr-2475	170	37	0.758	0.758	NUM
bjmsr-2475	170	38	0.831	0.831	NUM
bjmsr-2475	170	39	0.613	0.613	NUM
bjmsr-2475	170	40	0.814	0.814	NUM
bjmsr-2475	170	41	fi1	fi1	ADJ
bjmsr-2475	170	42	0.464	0.464	NUM
bjmsr-2475	170	43	0.819	0.819	NUM
bjmsr-2475	170	44	0.601	0.601	NUM
bjmsr-2475	170	45	0.333	0.333	NUM
bjmsr-2475	170	46	0.51	0.51	NUM
bjmsr-2475	170	47	fi2	fi2	NOUN
bjmsr-2475	170	48	0.458	0.458	NUM
bjmsr-2475	170	49	0.862	0.862	NUM
bjmsr-2475	170	50	0.561	0.561	NUM
bjmsr-2475	170	51	0.306	0.306	NUM
bjmsr-2475	170	52	0.534	0.534	NUM
bjmsr-2475	170	53	fi3	fi3	VERB
bjmsr-2475	170	54	0.492	0.492	NUM
bjmsr-2475	170	55	0.853	0.853	NUM
bjmsr-2475	170	56	0.577	0.577	NUM
bjmsr-2475	170	57	0.348	0.348	NUM
bjmsr-2475	170	58	0.506	0.506	NUM
bjmsr-2475	170	59	fi4	fi4	NOUN
bjmsr-2475	170	60	0.606	0.606	NUM
bjmsr-2475	170	61	0.823	0.823	NUM
bjmsr-2475	170	62	0.594	0.594	NUM
bjmsr-2475	170	63	0.424	0.424	NUM
bjmsr-2475	170	64	0.648	0.648	NUM
bjmsr-2475	170	65	fi5	fi5	NOUN
bjmsr-2475	170	66	0.6	0.6	NUM
bjmsr-2475	170	67	0.81	0.81	NUM
bjmsr-2475	170	68	0.743	0.743	NUM
bjmsr-2475	170	69	0.449	0.449	NUM
bjmsr-2475	170	70	0.62	0.62	NUM
bjmsr-2475	170	71	pee1	pee1	NOUN
bjmsr-2475	170	72	0.765	0.765	NUM
bjmsr-2475	170	73	0.649	0.649	NUM
bjmsr-2475	170	74	0.881	0.881	NUM
bjmsr-2475	170	75	0.625	0.625	NUM
bjmsr-2475	170	76	0.767	0.767	NUM
bjmsr-2475	170	77	pee2	pee2	NOUN
bjmsr-2475	170	78	0.707	0.707	NUM
bjmsr-2475	170	79	0.647	0.647	NUM
bjmsr-2475	170	80	0.853	0.853	NUM
bjmsr-2475	170	81	0.493	0.493	NUM
bjmsr-2475	170	82	0.684	0.684	NUM
bjmsr-2475	170	83	pee3	pee3	NOUN
bjmsr-2475	170	84	0.659	0.659	NUM
bjmsr-2475	170	85	0.707	0.707	NUM
bjmsr-2475	170	86	0.817	0.817	NUM
bjmsr-2475	170	87	0.427	0.427	NUM
bjmsr-2475	170	88	0.672	0.672	NUM
bjmsr-2475	170	89	pee4	pee4	NOUN
bjmsr-2475	170	90	0.623	0.623	NUM
bjmsr-2475	170	91	0.61	0.61	NUM
bjmsr-2475	170	92	0.778	0.778	NUM
bjmsr-2475	170	93	0.656	0.656	NUM
bjmsr-2475	170	94	0.672	0.672	NUM
bjmsr-2475	170	95	pee5	pee5	NOUN
bjmsr-2475	170	96	0.801	0.801	NUM
bjmsr-2475	170	97	0.511	0.511	NUM
bjmsr-2475	170	98	0.854	0.854	NUM
bjmsr-2475	170	99	0.565	0.565	NUM
bjmsr-2475	170	100	0.775	0.775	NUM
bjmsr-2475	170	101	tfi1	tfi1	ADV
bjmsr-2475	170	102	0.455	0.455	NUM
bjmsr-2475	170	103	0.264	0.264	NUM
bjmsr-2475	170	104	0.446	0.446	NUM
bjmsr-2475	170	105	0.727	0.727	NUM
bjmsr-2475	170	106	0.467	0.467	NUM
bjmsr-2475	170	107	tfi4	tfi4	NOUN
bjmsr-2475	170	108	0.628	0.628	NUM
bjmsr-2475	170	109	0.421	0.421	NUM
bjmsr-2475	170	110	0.589	0.589	NUM
bjmsr-2475	170	111	0.917	0.917	NUM
bjmsr-2475	170	112	0.681	0.681	NUM
bjmsr-2475	170	113	tfi5	tfi5	NOUN
bjmsr-2475	170	114	0.736	0.736	NUM
bjmsr-2475	170	115	0.436	0.436	NUM
bjmsr-2475	170	116	0.618	0.618	NUM
bjmsr-2475	170	117	0.889	0.889	NUM
bjmsr-2475	170	118	0.709	0.709	NUM
bjmsr-2475	170	119	us1	us1	PROPN
bjmsr-2475	170	120	0.818	0.818	NUM
bjmsr-2475	170	121	0.638	0.638	NUM
bjmsr-2475	170	122	0.825	0.825	NUM
bjmsr-2475	170	123	0.611	0.611	NUM
bjmsr-2475	170	124	0.895	0.895	NUM
bjmsr-2475	170	125	us2	us2	NOUN
bjmsr-2475	170	126	0.67	0.67	NUM
bjmsr-2475	170	127	0.37	0.37	NUM
bjmsr-2475	171	1	0.662	0.662	NUM
bjmsr-2475	171	2	0.509	0.509	NUM
bjmsr-2475	171	3	0.749	0.749	NUM
bjmsr-2475	171	4	us3	us3	ADJ
bjmsr-2475	171	5	0.729	0.729	NUM
bjmsr-2475	171	6	0.524	0.524	NUM
bjmsr-2475	171	7	0.659	0.659	NUM
bjmsr-2475	171	8	0.665	0.665	NUM
bjmsr-2475	171	9	0.833	0.833	NUM
bjmsr-2475	171	10	us4	us4	PROPN
bjmsr-2475	171	11	0.691	0.691	NUM
bjmsr-2475	171	12	0.653	0.653	NUM
bjmsr-2475	171	13	0.66	0.66	NUM
bjmsr-2475	171	14	0.595	0.595	NUM
bjmsr-2475	171	15	0.827	0.827	NUM
bjmsr-2475	171	16	us5	us5	PROPN
bjmsr-2475	171	17	0.785	0.785	NUM
bjmsr-2475	171	18	0.618	0.618	NUM
bjmsr-2475	171	19	0.743	0.743	NUM
bjmsr-2475	171	20	0.715	0.715	NUM
bjmsr-2475	171	21	0.859	0.859	NUM
bjmsr-2475	171	22	source	source	NOUN
bjmsr-2475	171	23	:	:	PUNCT
bjmsr-2475	171	24	author	author	PROPN
bjmsr-2475	171	25	’s	’s	PART
bjmsr-2475	171	26	data	datum	NOUN
bjmsr-2475	171	27	processing	processing	NOUN
bjmsr-2475	171	28	(	(	PUNCT
bjmsr-2475	171	29	2025	2025	NUM
bjmsr-2475	171	30	)	)	PUNCT
bjmsr-2475	171	31	the	the	DET
bjmsr-2475	171	32	cross	cross	ADJ
bjmsr-2475	171	33	-	-	ADJ
bjmsr-2475	171	34	loading	loading	ADJ
bjmsr-2475	171	35	results	result	NOUN
bjmsr-2475	171	36	in	in	ADP
bjmsr-2475	171	37	table	table	NOUN
bjmsr-2475	171	38	3	3	NUM
bjmsr-2475	171	39	demonstrate	demonstrate	VERB
bjmsr-2475	171	40	that	that	SCONJ
bjmsr-2475	171	41	each	each	DET
bjmsr-2475	171	42	indicator	indicator	NOUN
bjmsr-2475	171	43	loads	load	VERB
bjmsr-2475	171	44	highest	high	ADJ
bjmsr-2475	171	45	on	on	ADP
bjmsr-2475	171	46	the	the	DET
bjmsr-2475	171	47	construct	construct	NOUN
bjmsr-2475	171	48	it	it	PRON
bjmsr-2475	171	49	is	be	AUX
bjmsr-2475	171	50	intended	intend	VERB
bjmsr-2475	171	51	to	to	PART
bjmsr-2475	171	52	measure	measure	VERB
bjmsr-2475	171	53	when	when	SCONJ
bjmsr-2475	171	54	compared	compare	VERB
bjmsr-2475	171	55	to	to	ADP
bjmsr-2475	171	56	its	its	PRON
bjmsr-2475	171	57	loading	loading	NOUN
bjmsr-2475	171	58	on	on	ADP
bjmsr-2475	171	59	other	other	ADJ
bjmsr-2475	171	60	constructs	construct	NOUN
bjmsr-2475	171	61	.	.	PUNCT
bjmsr-2475	172	1	this	this	DET
bjmsr-2475	172	2	pattern	pattern	NOUN
bjmsr-2475	172	3	confirms	confirm	VERB
bjmsr-2475	172	4	that	that	SCONJ
bjmsr-2475	172	5	each	each	DET
bjmsr-2475	172	6	indicator	indicator	NOUN
bjmsr-2475	172	7	is	be	AUX
bjmsr-2475	172	8	aligned	align	VERB
bjmsr-2475	172	9	with	with	ADP
bjmsr-2475	172	10	its	its	PRON
bjmsr-2475	172	11	respective	respective	ADJ
bjmsr-2475	172	12	latent	latent	NOUN
bjmsr-2475	172	13	variable	variable	NOUN
bjmsr-2475	172	14	,	,	PUNCT
bjmsr-2475	172	15	thereby	thereby	ADV
bjmsr-2475	172	16	providing	provide	VERB
bjmsr-2475	172	17	evidence	evidence	NOUN
bjmsr-2475	172	18	of	of	ADP
bjmsr-2475	172	19	proper	proper	ADJ
bjmsr-2475	172	20	construct	construct	NOUN
bjmsr-2475	172	21	representation	representation	NOUN
bjmsr-2475	172	22	.	.	PUNCT
bjmsr-2475	173	1	furthermore	furthermore	ADV
bjmsr-2475	173	2	,	,	PUNCT
bjmsr-2475	173	3	the	the	DET
bjmsr-2475	173	4	observed	observe	VERB
bjmsr-2475	173	5	differences	difference	NOUN
bjmsr-2475	173	6	or	or	CCONJ
bjmsr-2475	173	7	gaps	gap	NOUN
bjmsr-2475	173	8	between	between	ADP
bjmsr-2475	173	9	the	the	DET
bjmsr-2475	173	10	loading	loading	NOUN
bjmsr-2475	173	11	values	value	NOUN
bjmsr-2475	173	12	on	on	ADP
bjmsr-2475	173	13	the	the	DET
bjmsr-2475	173	14	intended	intend	VERB
bjmsr-2475	173	15	construct	construct	NOUN
bjmsr-2475	173	16	versus	versus	ADP
bjmsr-2475	173	17	other	other	ADJ
bjmsr-2475	173	18	constructs	construct	NOUN
bjmsr-2475	173	19	highlight	highlight	VERB
bjmsr-2475	173	20	the	the	DET
bjmsr-2475	173	21	distinctiveness	distinctiveness	NOUN
bjmsr-2475	173	22	of	of	ADP
bjmsr-2475	173	23	each	each	DET
bjmsr-2475	173	24	construct	construct	NOUN
bjmsr-2475	173	25	.	.	PUNCT
bjmsr-2475	174	1	this	this	DET
bjmsr-2475	174	2	separation	separation	NOUN
bjmsr-2475	174	3	reinforces	reinforce	VERB
bjmsr-2475	174	4	the	the	DET
bjmsr-2475	174	5	presence	presence	NOUN
bjmsr-2475	174	6	of	of	ADP
bjmsr-2475	174	7	a	a	DET
bjmsr-2475	174	8	clear	clear	ADJ
bjmsr-2475	174	9	discriminant	discriminant	ADJ
bjmsr-2475	174	10	structure	structure	NOUN
bjmsr-2475	174	11	within	within	ADP
bjmsr-2475	174	12	the	the	DET
bjmsr-2475	174	13	measurement	measurement	NOUN
bjmsr-2475	174	14	model	model	NOUN
bjmsr-2475	174	15	,	,	PUNCT
bjmsr-2475	174	16	which	which	PRON
bjmsr-2475	174	17	is	be	AUX
bjmsr-2475	174	18	essential	essential	ADJ
bjmsr-2475	174	19	for	for	ADP
bjmsr-2475	174	20	ensuring	ensure	VERB
bjmsr-2475	174	21	that	that	SCONJ
bjmsr-2475	174	22	constructs	construct	NOUN
bjmsr-2475	174	23	are	be	AUX
bjmsr-2475	174	24	not	not	PART
bjmsr-2475	174	25	empirically	empirically	ADV
bjmsr-2475	174	26	overlapping	overlap	VERB
bjmsr-2475	174	27	.	.	PUNCT
bjmsr-2475	175	1	based	base	VERB
bjmsr-2475	175	2	on	on	ADP
bjmsr-2475	175	3	these	these	DET
bjmsr-2475	175	4	findings	finding	NOUN
bjmsr-2475	175	5	,	,	PUNCT
bjmsr-2475	175	6	the	the	DET
bjmsr-2475	175	7	discriminant	discriminant	ADJ
bjmsr-2475	175	8	validity	validity	NOUN
bjmsr-2475	175	9	within	within	ADP
bjmsr-2475	175	10	the	the	DET
bjmsr-2475	175	11	model	model	NOUN
bjmsr-2475	175	12	has	have	AUX
bjmsr-2475	175	13	been	be	AUX
bjmsr-2475	175	14	adequately	adequately	ADV
bjmsr-2475	175	15	fulfilled	fulfil	VERB
bjmsr-2475	175	16	.	.	PUNCT
bjmsr-2475	176	1	consequently	consequently	ADV
bjmsr-2475	176	2	,	,	PUNCT
bjmsr-2475	176	3	the	the	DET
bjmsr-2475	176	4	measurement	measurement	NOUN
bjmsr-2475	176	5	instruments	instrument	NOUN
bjmsr-2475	176	6	utilized	utilize	VERB
bjmsr-2475	176	7	are	be	AUX
bjmsr-2475	176	8	valid	valid	ADJ
bjmsr-2475	176	9	and	and	CCONJ
bjmsr-2475	176	10	appropriate	appropriate	ADJ
bjmsr-2475	176	11	,	,	PUNCT
bjmsr-2475	176	12	making	make	VERB
bjmsr-2475	176	13	them	they	PRON
bjmsr-2475	176	14	suitable	suitable	ADJ
bjmsr-2475	176	15	for	for	ADP
bjmsr-2475	176	16	application	application	NOUN
bjmsr-2475	176	17	in	in	ADP
bjmsr-2475	176	18	the	the	DET
bjmsr-2475	176	19	next	next	ADJ
bjmsr-2475	176	20	stage	stage	NOUN
bjmsr-2475	176	21	of	of	ADP
bjmsr-2475	176	22	analysis	analysis	NOUN
bjmsr-2475	176	23	,	,	PUNCT
bjmsr-2475	176	24	namely	namely	ADV
bjmsr-2475	176	25	the	the	DET
bjmsr-2475	176	26	structural	structural	ADJ
bjmsr-2475	176	27	model	model	NOUN
bjmsr-2475	176	28	evaluation	evaluation	NOUN
bjmsr-2475	176	29	.	.	PUNCT
bjmsr-2475	177	1	table	table	NOUN
bjmsr-2475	177	2	4	4	NUM
bjmsr-2475	177	3	.	.	PUNCT
bjmsr-2475	177	4	fornell	fornell	NOUN
bjmsr-2475	177	5	-	-	PUNCT
bjmsr-2475	177	6	larcker	larcker	NOUN
bjmsr-2475	177	7	ca	can	AUX
bjmsr-2475	177	8	fi	fi	VERB
bjmsr-2475	177	9	pee	pee	NOUN
bjmsr-2475	177	10	tfi	tfi	X
bjmsr-2475	177	11	us	we	PRON
bjmsr-2475	177	12	ca	can	AUX
bjmsr-2475	177	13	0.919	0.919	NUM
bjmsr-2475	177	14	fi	fi	NOUN
bjmsr-2475	177	15	0.635	0.635	NUM
bjmsr-2475	177	16	0.833	0.833	NUM
bjmsr-2475	177	17	pee	pee	NOUN
bjmsr-2475	177	18	0.851	0.851	NUM
bjmsr-2475	177	19	0.747	0.747	NUM
bjmsr-2475	177	20	0.837	0.837	NUM
bjmsr-2475	177	21	tfi	tfi	ADP
bjmsr-2475	177	22	0.732	0.732	NUM
bjmsr-2475	177	23	0.452	0.452	NUM
bjmsr-2475	177	24	0.658	0.658	NUM
bjmsr-2475	177	25	0.848	0.848	NUM
bjmsr-2475	177	26	us	we	PRON
bjmsr-2475	177	27	0.888	0.888	NUM
bjmsr-2475	177	28	0.682	0.682	NUM
bjmsr-2475	177	29	0.853	0.853	NUM
bjmsr-2475	177	30	0.745	0.745	NUM
bjmsr-2475	177	31	0.834	0.834	NUM
bjmsr-2475	177	32	source	source	NOUN
bjmsr-2475	177	33	:	:	PUNCT
bjmsr-2475	177	34	author	author	PROPN
bjmsr-2475	177	35	’s	’s	PART
bjmsr-2475	177	36	data	datum	NOUN
bjmsr-2475	177	37	processing	processing	NOUN
bjmsr-2475	177	38	(	(	PUNCT
bjmsr-2475	177	39	2025	2025	NUM
bjmsr-2475	177	40	)	)	PUNCT
bjmsr-2475	177	41	the	the	DET
bjmsr-2475	177	42	results	result	NOUN
bjmsr-2475	177	43	of	of	ADP
bjmsr-2475	177	44	the	the	DET
bjmsr-2475	177	45	analysis	analysis	NOUN
bjmsr-2475	177	46	in	in	ADP
bjmsr-2475	177	47	table	table	NOUN
bjmsr-2475	177	48	4	4	NUM
bjmsr-2475	177	49	show	show	VERB
bjmsr-2475	177	50	that	that	SCONJ
bjmsr-2475	177	51	the	the	DET
bjmsr-2475	177	52	square	square	ADJ
bjmsr-2475	177	53	root	root	NOUN
bjmsr-2475	177	54	value	value	NOUN
bjmsr-2475	177	55	of	of	ADP
bjmsr-2475	177	56	the	the	DET
bjmsr-2475	177	57	ave	ave	NOUN
bjmsr-2475	177	58	for	for	ADP
bjmsr-2475	177	59	each	each	DET
bjmsr-2475	177	60	construct	construct	NOUN
bjmsr-2475	177	61	(	(	PUNCT
bjmsr-2475	177	62	diagonal	diagonal	ADJ
bjmsr-2475	177	63	value	value	NOUN
bjmsr-2475	177	64	)	)	PUNCT
bjmsr-2475	177	65	is	be	AUX
bjmsr-2475	177	66	greater	great	ADJ
bjmsr-2475	177	67	than	than	ADP
bjmsr-2475	177	68	the	the	DET
bjmsr-2475	177	69	correlation	correlation	NOUN
bjmsr-2475	177	70	value	value	NOUN
bjmsr-2475	177	71	between	between	ADP
bjmsr-2475	177	72	other	other	ADJ
bjmsr-2475	177	73	constructs	construct	NOUN
bjmsr-2475	177	74	(	(	PUNCT
bjmsr-2475	177	75	off	off	ADP
bjmsr-2475	177	76	-	-	PUNCT
bjmsr-2475	177	77	diagonal	diagonal	ADJ
bjmsr-2475	177	78	value	value	NOUN
bjmsr-2475	177	79	)	)	PUNCT
bjmsr-2475	177	80	.	.	PUNCT
bjmsr-2475	178	1	this	this	DET
bjmsr-2475	178	2	finding	finding	NOUN
bjmsr-2475	178	3	indicates	indicate	VERB
bjmsr-2475	178	4	that	that	SCONJ
bjmsr-2475	178	5	each	each	DET
bjmsr-2475	178	6	construct	construct	NOUN
bjmsr-2475	178	7	in	in	ADP
bjmsr-2475	178	8	the	the	DET
bjmsr-2475	178	9	model	model	NOUN
bjmsr-2475	178	10	is	be	AUX
bjmsr-2475	178	11	stronger	strong	ADJ
bjmsr-2475	178	12	in	in	ADP
bjmsr-2475	178	13	explaining	explain	VERB
bjmsr-2475	178	14	its	its	PRON
bjmsr-2475	178	15	indicator	indicator	NOUN
bjmsr-2475	178	16	variable	variable	NOUN
bjmsr-2475	178	17	than	than	ADP
bjmsr-2475	178	18	other	other	ADJ
bjmsr-2475	178	19	constructs	construct	NOUN
bjmsr-2475	178	20	,	,	PUNCT
bjmsr-2475	178	21	which	which	PRON
bjmsr-2475	178	22	means	mean	VERB
bjmsr-2475	178	23	that	that	SCONJ
bjmsr-2475	178	24	discriminant	discriminant	ADJ
bjmsr-2475	178	25	validity	validity	NOUN
bjmsr-2475	178	26	has	have	AUX
bjmsr-2475	178	27	been	be	AUX
bjmsr-2475	178	28	achieved	achieve	VERB
bjmsr-2475	178	29	.	.	PUNCT
bjmsr-2475	179	1	therefore	therefore	ADV
bjmsr-2475	179	2	,	,	PUNCT
bjmsr-2475	179	3	the	the	DET
bjmsr-2475	179	4	measurement	measurement	NOUN
bjmsr-2475	179	5	model	model	NOUN
bjmsr-2475	179	6	is	be	AUX
bjmsr-2475	179	7	declared	declare	VERB
bjmsr-2475	179	8	to	to	PART
bjmsr-2475	179	9	have	have	VERB
bjmsr-2475	179	10	good	good	ADJ
bjmsr-2475	179	11	validity	validity	NOUN
bjmsr-2475	179	12	and	and	CCONJ
bjmsr-2475	179	13	is	be	AUX
bjmsr-2475	179	14	suitable	suitable	ADJ
bjmsr-2475	179	15	to	to	PART
bjmsr-2475	179	16	proceed	proceed	VERB
bjmsr-2475	179	17	to	to	ADP
bjmsr-2475	179	18	the	the	DET
bjmsr-2475	179	19	next	next	ADJ
bjmsr-2475	179	20	stage	stage	NOUN
bjmsr-2475	179	21	of	of	ADP
bjmsr-2475	179	22	structural	structural	ADJ
bjmsr-2475	179	23	analysis	analysis	NOUN
bjmsr-2475	179	24	.	.	PUNCT
bjmsr-2475	180	1	table	table	NOUN
bjmsr-2475	180	2	5	5	NUM
bjmsr-2475	180	3	.	.	PUNCT
bjmsr-2475	180	4	heterotrait	heterotrait	NOUN
bjmsr-2475	180	5	-	-	PUNCT
bjmsr-2475	180	6	monotrait	monotrait	NOUN
bjmsr-2475	180	7	ratio	ratio	NOUN
bjmsr-2475	180	8	(	(	PUNCT
bjmsr-2475	180	9	htmt	htmt	PROPN
bjmsr-2475	180	10	)	)	PUNCT
bjmsr-2475	180	11	value	value	NOUN
bjmsr-2475	180	12	ca	can	AUX
bjmsr-2475	180	13	fi	fi	NOUN
bjmsr-2475	180	14	pee	pee	NOUN
bjmsr-2475	180	15	tfi	tfi	X
bjmsr-2475	180	16	us	we	PRON
bjmsr-2475	180	17	ca	can	AUX
bjmsr-2475	180	18	fi	fi	NOUN
bjmsr-2475	180	19	0.678	0.678	NUM
bjmsr-2475	180	20	pee	pee	NOUN
bjmsr-2475	180	21	0.919	0.919	NUM
bjmsr-2475	180	22	0.828	0.828	NUM
bjmsr-2475	180	23	tfi	tfi	ADP
bjmsr-2475	180	24	0.816	0.816	NUM
bjmsr-2475	180	25	0.513	0.513	NUM
bjmsr-2475	180	26	0.769	0.769	NUM
bjmsr-2475	180	27	us	we	PRON
bjmsr-2475	180	28	0.962	0.962	NUM
bjmsr-2475	180	29	0.749	0.749	NUM
bjmsr-2475	180	30	0.956	0.956	NUM
bjmsr-2475	180	31	0.86	0.86	NUM
bjmsr-2475	180	32	source	source	NOUN
bjmsr-2475	180	33	:	:	PUNCT
bjmsr-2475	180	34	author	author	PROPN
bjmsr-2475	180	35	’s	’s	PART
bjmsr-2475	180	36	data	datum	NOUN
bjmsr-2475	180	37	processing	processing	NOUN
bjmsr-2475	180	38	(	(	PUNCT
bjmsr-2475	180	39	2025	2025	NUM
bjmsr-2475	180	40	)	)	PUNCT
bjmsr-2475	180	41	ferli	ferli	NOUN
bjmsr-2475	180	42	et	et	PROPN
bjmsr-2475	180	43	al	al	PROPN
bjmsr-2475	180	44	.	.	PROPN
bjmsr-2475	180	45	,	,	PUNCT
bjmsr-2475	180	46	bangladesh	bangladesh	PROPN
bjmsr-2475	180	47	journal	journal	NOUN
bjmsr-2475	180	48	of	of	ADP
bjmsr-2475	180	49	multidisciplinary	multidisciplinary	ADJ
bjmsr-2475	180	50	scientific	scientific	ADJ
bjmsr-2475	180	51	research	research	NOUN
bjmsr-2475	180	52	10(5	10(5	NOUN
bjmsr-2475	180	53	)	)	PUNCT
bjmsr-2475	180	54	(	(	PUNCT
bjmsr-2475	180	55	2025	2025	NUM
bjmsr-2475	180	56	)	)	PUNCT
bjmsr-2475	180	57	,	,	PUNCT
bjmsr-2475	180	58	46	46	NUM
bjmsr-2475	180	59	-	-	SYM
bjmsr-2475	180	60	55	55	NUM
bjmsr-2475	180	61	51	51	NUM
bjmsr-2475	180	62	based	base	VERB
bjmsr-2475	180	63	on	on	ADP
bjmsr-2475	180	64	table	table	NOUN
bjmsr-2475	180	65	5	5	NUM
bjmsr-2475	180	66	,	,	PUNCT
bjmsr-2475	180	67	all	all	DET
bjmsr-2475	180	68	htmt	htmt	NOUN
bjmsr-2475	180	69	coefficient	coefficient	NOUN
bjmsr-2475	180	70	values	value	NOUN
bjmsr-2475	180	71	are	be	AUX
bjmsr-2475	180	72	below	below	ADP
bjmsr-2475	180	73	the	the	DET
bjmsr-2475	180	74	maximum	maximum	ADJ
bjmsr-2475	180	75	threshold	threshold	NOUN
bjmsr-2475	180	76	of	of	ADP
bjmsr-2475	180	77	0.90	0.90	NUM
bjmsr-2475	180	78	,	,	PUNCT
bjmsr-2475	180	79	which	which	PRON
bjmsr-2475	180	80	is	be	AUX
bjmsr-2475	180	81	commonly	commonly	ADV
bjmsr-2475	180	82	used	use	VERB
bjmsr-2475	180	83	to	to	PART
bjmsr-2475	180	84	assess	assess	VERB
bjmsr-2475	180	85	discriminant	discriminant	ADJ
bjmsr-2475	180	86	validity	validity	NOUN
bjmsr-2475	180	87	.	.	PUNCT
bjmsr-2475	181	1	this	this	PRON
bjmsr-2475	181	2	indicates	indicate	VERB
bjmsr-2475	181	3	that	that	SCONJ
bjmsr-2475	181	4	each	each	DET
bjmsr-2475	181	5	construct	construct	NOUN
bjmsr-2475	181	6	in	in	ADP
bjmsr-2475	181	7	the	the	DET
bjmsr-2475	181	8	model	model	NOUN
bjmsr-2475	181	9	does	do	AUX
bjmsr-2475	181	10	not	not	PART
bjmsr-2475	181	11	have	have	VERB
bjmsr-2475	181	12	excessive	excessive	ADJ
bjmsr-2475	181	13	correlation	correlation	NOUN
bjmsr-2475	181	14	with	with	ADP
bjmsr-2475	181	15	the	the	DET
bjmsr-2475	181	16	others	other	NOUN
bjmsr-2475	181	17	,	,	PUNCT
bjmsr-2475	181	18	and	and	CCONJ
bjmsr-2475	181	19	can	can	AUX
bjmsr-2475	181	20	represent	represent	VERB
bjmsr-2475	181	21	different	different	ADJ
bjmsr-2475	181	22	concepts	concept	NOUN
bjmsr-2475	181	23	.	.	PUNCT
bjmsr-2475	182	1	thus	thus	ADV
bjmsr-2475	182	2	,	,	PUNCT
bjmsr-2475	182	3	it	it	PRON
bjmsr-2475	182	4	can	can	AUX
bjmsr-2475	182	5	be	be	AUX
bjmsr-2475	182	6	concluded	conclude	VERB
bjmsr-2475	182	7	that	that	SCONJ
bjmsr-2475	182	8	discriminant	discriminant	ADJ
bjmsr-2475	182	9	validity	validity	NOUN
bjmsr-2475	182	10	has	have	AUX
bjmsr-2475	182	11	been	be	AUX
bjmsr-2475	182	12	met	meet	VERB
bjmsr-2475	182	13	,	,	PUNCT
bjmsr-2475	182	14	and	and	CCONJ
bjmsr-2475	182	15	the	the	DET
bjmsr-2475	182	16	data	datum	NOUN
bjmsr-2475	182	17	used	use	VERB
bjmsr-2475	182	18	are	be	AUX
bjmsr-2475	182	19	valid	valid	ADJ
bjmsr-2475	182	20	to	to	PART
bjmsr-2475	182	21	proceed	proceed	VERB
bjmsr-2475	182	22	to	to	ADP
bjmsr-2475	182	23	the	the	DET
bjmsr-2475	182	24	structural	structural	ADJ
bjmsr-2475	182	25	analysis	analysis	NOUN
bjmsr-2475	182	26	stage	stage	NOUN
bjmsr-2475	182	27	.	.	PUNCT
bjmsr-2475	183	1	descriptive	descriptive	ADJ
bjmsr-2475	183	2	statistics	statistic	NOUN
bjmsr-2475	183	3	the	the	DET
bjmsr-2475	183	4	following	follow	VERB
bjmsr-2475	183	5	section	section	NOUN
bjmsr-2475	183	6	provides	provide	VERB
bjmsr-2475	183	7	summary	summary	NOUN
bjmsr-2475	183	8	statistics	statistic	NOUN
bjmsr-2475	183	9	for	for	ADP
bjmsr-2475	183	10	the	the	DET
bjmsr-2475	183	11	key	key	ADJ
bjmsr-2475	183	12	variables	variable	NOUN
bjmsr-2475	183	13	analyzed	analyze	VERB
bjmsr-2475	183	14	in	in	ADP
bjmsr-2475	183	15	this	this	DET
bjmsr-2475	183	16	study	study	NOUN
bjmsr-2475	183	17	,	,	PUNCT
bjmsr-2475	183	18	offering	offer	VERB
bjmsr-2475	183	19	insight	insight	NOUN
bjmsr-2475	183	20	into	into	ADP
bjmsr-2475	183	21	their	their	PRON
bjmsr-2475	183	22	central	central	ADJ
bjmsr-2475	183	23	tendencies	tendency	NOUN
bjmsr-2475	183	24	and	and	CCONJ
bjmsr-2475	183	25	dispersion	dispersion	NOUN
bjmsr-2475	183	26	.	.	PUNCT
bjmsr-2475	184	1	table	table	NOUN
bjmsr-2475	184	2	6	6	NUM
bjmsr-2475	184	3	.	.	PUNCT
bjmsr-2475	185	1	descriptive	descriptive	ADJ
bjmsr-2475	185	2	statistics	statistic	NOUN
bjmsr-2475	185	3	for	for	ADP
bjmsr-2475	185	4	cryptocurrency	cryptocurrency	NOUN
bjmsr-2475	185	5	adoption	adoption	NOUN
bjmsr-2475	185	6	(	(	PUNCT
bjmsr-2475	185	7	ca	ca	NOUN
bjmsr-2475	185	8	)	)	PUNCT
bjmsr-2475	185	9	.	.	PUNCT
bjmsr-2475	186	1	indicators	indicator	NOUN
bjmsr-2475	186	2	mean	mean	VERB
bjmsr-2475	186	3	standard	standard	ADJ
bjmsr-2475	186	4	deviation	deviation	NOUN
bjmsr-2475	186	5	(	(	PUNCT
bjmsr-2475	186	6	sd	sd	NOUN
bjmsr-2475	186	7	)	)	PUNCT
bjmsr-2475	186	8	ca1	ca1	NOUN
bjmsr-2475	186	9	5.17	5.17	NUM
bjmsr-2475	186	10	1.151	1.151	NUM
bjmsr-2475	186	11	ca2	ca2	PROPN
bjmsr-2475	186	12	4.973	4.973	NUM
bjmsr-2475	186	13	1.24	1.24	NUM
bjmsr-2475	186	14	ca3	ca3	NOUN
bjmsr-2475	186	15	4.952	4.952	NUM
bjmsr-2475	186	16	1.362	1.362	NUM
bjmsr-2475	186	17	ca4	ca4	NOUN
bjmsr-2475	186	18	5.034	5.034	NUM
bjmsr-2475	186	19	1.253	1.253	NUM
bjmsr-2475	186	20	ca5	ca5	X
bjmsr-2475	186	21	5.17	5.17	NUM
bjmsr-2475	186	22	1.139	1.139	NUM
bjmsr-2475	186	23	source	source	NOUN
bjmsr-2475	186	24	:	:	PUNCT
bjmsr-2475	186	25	author	author	PROPN
bjmsr-2475	186	26	’s	’s	PART
bjmsr-2475	186	27	data	datum	NOUN
bjmsr-2475	186	28	processing	processing	NOUN
bjmsr-2475	186	29	(	(	PUNCT
bjmsr-2475	186	30	2025	2025	NUM
bjmsr-2475	186	31	)	)	PUNCT
bjmsr-2475	186	32	cryptocurrency	cryptocurrency	NOUN
bjmsr-2475	186	33	adoption	adoption	NOUN
bjmsr-2475	186	34	represents	represent	VERB
bjmsr-2475	186	35	the	the	DET
bjmsr-2475	186	36	extent	extent	NOUN
bjmsr-2475	186	37	to	to	PART
bjmsr-2475	186	38	which	which	PRON
bjmsr-2475	186	39	respondents	respondent	NOUN
bjmsr-2475	186	40	incorporate	incorporate	VERB
bjmsr-2475	186	41	digital	digital	ADJ
bjmsr-2475	186	42	assets	asset	NOUN
bjmsr-2475	186	43	into	into	ADP
bjmsr-2475	186	44	their	their	PRON
bjmsr-2475	186	45	financial	financial	ADJ
bjmsr-2475	186	46	activities	activity	NOUN
bjmsr-2475	186	47	.	.	PUNCT
bjmsr-2475	187	1	based	base	VERB
bjmsr-2475	187	2	on	on	ADP
bjmsr-2475	187	3	table	table	NOUN
bjmsr-2475	187	4	6	6	NUM
bjmsr-2475	187	5	,	,	PUNCT
bjmsr-2475	187	6	the	the	DET
bjmsr-2475	187	7	highest	high	ADJ
bjmsr-2475	187	8	average	average	ADJ
bjmsr-2475	187	9	scores	score	NOUN
bjmsr-2475	187	10	(	(	PUNCT
bjmsr-2475	187	11	5.17	5.17	NUM
bjmsr-2475	187	12	)	)	PUNCT
bjmsr-2475	187	13	are	be	AUX
bjmsr-2475	187	14	for	for	ADP
bjmsr-2475	187	15	ca1	ca1	PROPN
bjmsr-2475	187	16	(	(	PUNCT
bjmsr-2475	187	17	"	"	PUNCT
bjmsr-2475	187	18	i	i	PRON
bjmsr-2475	187	19	feel	feel	VERB
bjmsr-2475	187	20	comfortable	comfortable	ADJ
bjmsr-2475	187	21	using	use	VERB
bjmsr-2475	187	22	cryptocurrencies	cryptocurrencie	NOUN
bjmsr-2475	187	23	to	to	PART
bjmsr-2475	187	24	invest	invest	VERB
bjmsr-2475	187	25	"	"	PUNCT
bjmsr-2475	187	26	)	)	PUNCT
bjmsr-2475	187	27	and	and	CCONJ
bjmsr-2475	187	28	ca5	ca5	X
bjmsr-2475	187	29	(	(	PUNCT
bjmsr-2475	187	30	"	"	PUNCT
bjmsr-2475	187	31	i	i	PRON
bjmsr-2475	187	32	believe	believe	VERB
bjmsr-2475	187	33	cryptocurrency	cryptocurrency	NOUN
bjmsr-2475	187	34	will	will	AUX
bjmsr-2475	187	35	help	help	VERB
bjmsr-2475	187	36	me	i	PRON
bjmsr-2475	187	37	achieve	achieve	VERB
bjmsr-2475	187	38	financial	financial	ADJ
bjmsr-2475	187	39	independence	independence	NOUN
bjmsr-2475	187	40	or	or	CCONJ
bjmsr-2475	187	41	wealth	wealth	NOUN
bjmsr-2475	187	42	"	"	PUNCT
bjmsr-2475	187	43	)	)	PUNCT
bjmsr-2475	187	44	.	.	PUNCT
bjmsr-2475	188	1	the	the	DET
bjmsr-2475	188	2	lowest	low	ADJ
bjmsr-2475	188	3	score	score	NOUN
bjmsr-2475	188	4	(	(	PUNCT
bjmsr-2475	188	5	4.952	4.952	NUM
bjmsr-2475	188	6	)	)	PUNCT
bjmsr-2475	188	7	appears	appear	VERB
bjmsr-2475	188	8	in	in	ADP
bjmsr-2475	188	9	ca3	ca3	PROPN
bjmsr-2475	188	10	(	(	PUNCT
bjmsr-2475	188	11	"	"	PUNCT
bjmsr-2475	188	12	i	i	PRON
bjmsr-2475	188	13	feel	feel	VERB
bjmsr-2475	188	14	comfortable	comfortable	ADJ
bjmsr-2475	188	15	investing	invest	VERB
bjmsr-2475	188	16	most	most	ADJ
bjmsr-2475	188	17	of	of	ADP
bjmsr-2475	188	18	my	my	PRON
bjmsr-2475	188	19	financial	financial	ADJ
bjmsr-2475	188	20	assets	asset	NOUN
bjmsr-2475	188	21	in	in	ADP
bjmsr-2475	188	22	cryptocurrencies	cryptocurrencie	NOUN
bjmsr-2475	188	23	"	"	PUNCT
bjmsr-2475	188	24	)	)	PUNCT
bjmsr-2475	188	25	.	.	PUNCT
bjmsr-2475	189	1	these	these	DET
bjmsr-2475	189	2	results	result	NOUN
bjmsr-2475	189	3	indicate	indicate	VERB
bjmsr-2475	189	4	a	a	DET
bjmsr-2475	189	5	moderate	moderate	ADJ
bjmsr-2475	189	6	to	to	PART
bjmsr-2475	189	7	high	high	ADJ
bjmsr-2475	189	8	level	level	NOUN
bjmsr-2475	189	9	of	of	ADP
bjmsr-2475	189	10	adoption	adoption	NOUN
bjmsr-2475	189	11	,	,	PUNCT
bjmsr-2475	189	12	with	with	ADP
bjmsr-2475	189	13	low	low	ADJ
bjmsr-2475	189	14	variation	variation	NOUN
bjmsr-2475	189	15	across	across	ADP
bjmsr-2475	189	16	respondents	respondent	NOUN
bjmsr-2475	189	17	,	,	PUNCT
bjmsr-2475	189	18	suggesting	suggest	VERB
bjmsr-2475	189	19	broad	broad	ADJ
bjmsr-2475	189	20	exposure	exposure	NOUN
bjmsr-2475	189	21	to	to	PART
bjmsr-2475	189	22	cryptocurrency	cryptocurrency	NOUN
bjmsr-2475	189	23	in	in	ADP
bjmsr-2475	189	24	terms	term	NOUN
bjmsr-2475	189	25	of	of	ADP
bjmsr-2475	189	26	understanding	understanding	NOUN
bjmsr-2475	189	27	,	,	PUNCT
bjmsr-2475	189	28	usage	usage	NOUN
bjmsr-2475	189	29	,	,	PUNCT
bjmsr-2475	189	30	and	and	CCONJ
bjmsr-2475	189	31	transaction	transaction	NOUN
bjmsr-2475	189	32	frequency	frequency	NOUN
bjmsr-2475	189	33	.	.	PUNCT
bjmsr-2475	190	1	in	in	ADP
bjmsr-2475	190	2	the	the	DET
bjmsr-2475	190	3	structural	structural	ADJ
bjmsr-2475	190	4	model	model	NOUN
bjmsr-2475	190	5	,	,	PUNCT
bjmsr-2475	190	6	cryptocurrency	cryptocurrency	NOUN
bjmsr-2475	190	7	adoption	adoption	NOUN
bjmsr-2475	190	8	serves	serve	VERB
bjmsr-2475	190	9	as	as	ADP
bjmsr-2475	190	10	a	a	DET
bjmsr-2475	190	11	key	key	ADJ
bjmsr-2475	190	12	construct	construct	NOUN
bjmsr-2475	190	13	,	,	PUNCT
bjmsr-2475	190	14	driving	drive	VERB
bjmsr-2475	190	15	both	both	CCONJ
bjmsr-2475	190	16	economic	economic	ADJ
bjmsr-2475	190	17	empowerment	empowerment	NOUN
bjmsr-2475	190	18	and	and	CCONJ
bjmsr-2475	190	19	financial	financial	ADJ
bjmsr-2475	190	20	inclusion	inclusion	NOUN
bjmsr-2475	190	21	.	.	PUNCT
bjmsr-2475	191	1	table	table	NOUN
bjmsr-2475	191	2	7	7	NUM
bjmsr-2475	191	3	.	.	PUNCT
bjmsr-2475	191	4	descriptive	descriptive	ADJ
bjmsr-2475	191	5	statistics	statistic	NOUN
bjmsr-2475	191	6	for	for	ADP
bjmsr-2475	191	7	perceived	perceive	VERB
bjmsr-2475	191	8	economic	economic	ADJ
bjmsr-2475	191	9	empowerment	empowerment	NOUN
bjmsr-2475	191	10	(	(	PUNCT
bjmsr-2475	191	11	pee	pee	NOUN
bjmsr-2475	191	12	)	)	PUNCT
bjmsr-2475	191	13	indicators	indicator	NOUN
bjmsr-2475	191	14	mean	mean	VERB
bjmsr-2475	191	15	standard	standard	ADJ
bjmsr-2475	191	16	deviation	deviation	NOUN
bjmsr-2475	191	17	(	(	PUNCT
bjmsr-2475	191	18	sd	sd	NOUN
bjmsr-2475	191	19	)	)	PUNCT
bjmsr-2475	191	20	pee1	pee1	NOUN
bjmsr-2475	191	21	5.116	5.116	NUM
bjmsr-2475	191	22	0.958	0.958	NUM
bjmsr-2475	191	23	pee2	pee2	NOUN
bjmsr-2475	191	24	5.061	5.061	NUM
bjmsr-2475	191	25	1.114	1.114	NUM
bjmsr-2475	191	26	pee3	pee3	NOUN
bjmsr-2475	191	27	5.095	5.095	NUM
bjmsr-2475	191	28	1.139	1.139	NUM
bjmsr-2475	191	29	pee4	pee4	NOUN
bjmsr-2475	191	30	4.966	4.966	NUM
bjmsr-2475	191	31	1.198	1.198	NUM
bjmsr-2475	191	32	pee5	pee5	VERB
bjmsr-2475	191	33	5.129	5.129	NUM
bjmsr-2475	191	34	1.102	1.102	NUM
bjmsr-2475	191	35	source	source	NOUN
bjmsr-2475	191	36	:	:	PUNCT
bjmsr-2475	191	37	author	author	PROPN
bjmsr-2475	191	38	’s	’s	PART
bjmsr-2475	191	39	data	datum	NOUN
bjmsr-2475	191	40	processing	processing	NOUN
bjmsr-2475	191	41	(	(	PUNCT
bjmsr-2475	191	42	2025	2025	NUM
bjmsr-2475	191	43	)	)	PUNCT
bjmsr-2475	191	44	perceived	perceive	VERB
bjmsr-2475	191	45	economic	economic	ADJ
bjmsr-2475	191	46	empowerment	empowerment	NOUN
bjmsr-2475	191	47	measures	measure	NOUN
bjmsr-2475	191	48	an	an	DET
bjmsr-2475	191	49	individual	individual	NOUN
bjmsr-2475	191	50	's	's	PART
bjmsr-2475	191	51	perception	perception	NOUN
bjmsr-2475	191	52	of	of	ADP
bjmsr-2475	191	53	increased	increase	VERB
bjmsr-2475	191	54	economic	economic	ADJ
bjmsr-2475	191	55	independence	independence	NOUN
bjmsr-2475	191	56	through	through	ADP
bjmsr-2475	191	57	cryptocurrency	cryptocurrency	NOUN
bjmsr-2475	191	58	adoption	adoption	NOUN
bjmsr-2475	191	59	;	;	PUNCT
bjmsr-2475	191	60	it	it	PRON
bjmsr-2475	191	61	can	can	AUX
bjmsr-2475	191	62	be	be	AUX
bjmsr-2475	191	63	enhanced	enhance	VERB
bjmsr-2475	191	64	through	through	ADP
bjmsr-2475	191	65	community	community	NOUN
bjmsr-2475	191	66	development	development	NOUN
bjmsr-2475	191	67	and	and	CCONJ
bjmsr-2475	191	68	empowerment	empowerment	NOUN
bjmsr-2475	191	69	initiatives	initiative	NOUN
bjmsr-2475	191	70	aimed	aim	VERB
bjmsr-2475	191	71	at	at	ADP
bjmsr-2475	191	72	poverty	poverty	NOUN
bjmsr-2475	191	73	reduction	reduction	NOUN
bjmsr-2475	191	74	.	.	PUNCT
bjmsr-2475	192	1	these	these	DET
bjmsr-2475	192	2	efforts	effort	NOUN
bjmsr-2475	192	3	often	often	ADV
bjmsr-2475	192	4	involve	involve	VERB
bjmsr-2475	192	5	promoting	promote	VERB
bjmsr-2475	192	6	creativity	creativity	NOUN
bjmsr-2475	192	7	and	and	CCONJ
bjmsr-2475	192	8	innovation	innovation	NOUN
bjmsr-2475	192	9	that	that	PRON
bjmsr-2475	192	10	align	align	VERB
bjmsr-2475	192	11	with	with	ADP
bjmsr-2475	192	12	the	the	DET
bjmsr-2475	192	13	community	community	NOUN
bjmsr-2475	192	14	’s	’s	PART
bjmsr-2475	192	15	unique	unique	ADJ
bjmsr-2475	192	16	potential	potential	NOUN
bjmsr-2475	192	17	and	and	CCONJ
bjmsr-2475	192	18	needs	need	NOUN
bjmsr-2475	192	19	.	.	PUNCT
bjmsr-2475	193	1	the	the	DET
bjmsr-2475	193	2	implementation	implementation	NOUN
bjmsr-2475	193	3	of	of	ADP
bjmsr-2475	193	4	various	various	ADJ
bjmsr-2475	193	5	programs	program	NOUN
bjmsr-2475	193	6	demonstrates	demonstrate	VERB
bjmsr-2475	193	7	the	the	DET
bjmsr-2475	193	8	government	government	NOUN
bjmsr-2475	193	9	's	's	PART
bjmsr-2475	193	10	strong	strong	ADJ
bjmsr-2475	193	11	commitment	commitment	NOUN
bjmsr-2475	193	12	to	to	ADP
bjmsr-2475	193	13	addressing	address	VERB
bjmsr-2475	193	14	these	these	DET
bjmsr-2475	193	15	issues	issue	NOUN
bjmsr-2475	193	16	and	and	CCONJ
bjmsr-2475	193	17	advancing	advance	VERB
bjmsr-2475	193	18	economic	economic	ADJ
bjmsr-2475	193	19	empowerment	empowerment	NOUN
bjmsr-2475	193	20	at	at	ADP
bjmsr-2475	193	21	the	the	DET
bjmsr-2475	193	22	community	community	NOUN
bjmsr-2475	193	23	level	level	NOUN
bjmsr-2475	193	24	(	(	PUNCT
bjmsr-2475	193	25	subiyakto	subiyakto	NOUN
bjmsr-2475	193	26	et	et	PROPN
bjmsr-2475	193	27	al	al	PROPN
bjmsr-2475	193	28	.	.	PROPN
bjmsr-2475	193	29	,	,	PUNCT
bjmsr-2475	193	30	2022	2022	NUM
bjmsr-2475	193	31	)	)	PUNCT
bjmsr-2475	193	32	.	.	PUNCT
bjmsr-2475	194	1	based	base	VERB
bjmsr-2475	194	2	on	on	ADP
bjmsr-2475	194	3	table	table	NOUN
bjmsr-2475	194	4	7	7	NUM
bjmsr-2475	194	5	,	,	PUNCT
bjmsr-2475	194	6	the	the	DET
bjmsr-2475	194	7	maximum	maximum	ADJ
bjmsr-2475	194	8	indicator	indicator	NOUN
bjmsr-2475	194	9	average	average	ADJ
bjmsr-2475	194	10	values	value	NOUN
bjmsr-2475	194	11	of	of	ADP
bjmsr-2475	194	12	5.129	5.129	NUM
bjmsr-2475	194	13	are	be	AUX
bjmsr-2475	194	14	on	on	ADP
bjmsr-2475	194	15	the	the	DET
bjmsr-2475	194	16	indicator	indicator	NOUN
bjmsr-2475	194	17	pee5	pee5	PROPN
bjmsr-2475	194	18	(	(	PUNCT
bjmsr-2475	194	19	do	do	AUX
bjmsr-2475	194	20	you	you	PRON
bjmsr-2475	194	21	believe	believe	VERB
bjmsr-2475	194	22	that	that	SCONJ
bjmsr-2475	194	23	cryptocurrencies	cryptocurrencie	NOUN
bjmsr-2475	194	24	have	have	AUX
bjmsr-2475	194	25	provided	provide	VERB
bjmsr-2475	194	26	you	you	PRON
bjmsr-2475	194	27	with	with	ADP
bjmsr-2475	194	28	more	more	ADJ
bjmsr-2475	194	29	economic	economic	ADJ
bjmsr-2475	194	30	opportunities	opportunity	NOUN
bjmsr-2475	194	31	than	than	ADP
bjmsr-2475	194	32	the	the	DET
bjmsr-2475	194	33	traditional	traditional	ADJ
bjmsr-2475	194	34	financial	financial	ADJ
bjmsr-2475	194	35	system	system	NOUN
bjmsr-2475	194	36	?	?	PUNCT
bjmsr-2475	194	37	)	)	PUNCT
bjmsr-2475	194	38	.	.	PUNCT
bjmsr-2475	195	1	on	on	ADP
bjmsr-2475	195	2	the	the	DET
bjmsr-2475	195	3	other	other	ADJ
bjmsr-2475	195	4	hand	hand	NOUN
bjmsr-2475	195	5	,	,	PUNCT
bjmsr-2475	195	6	the	the	DET
bjmsr-2475	195	7	indicator	indicator	NOUN
bjmsr-2475	195	8	with	with	ADP
bjmsr-2475	195	9	the	the	DET
bjmsr-2475	195	10	lowest	low	ADJ
bjmsr-2475	195	11	average	average	ADJ
bjmsr-2475	195	12	value	value	NOUN
bjmsr-2475	195	13	of	of	ADP
bjmsr-2475	195	14	4.966	4.966	NUM
bjmsr-2475	195	15	is	be	AUX
bjmsr-2475	195	16	indicator	indicator	NOUN
bjmsr-2475	195	17	pee4	pee4	NOUN
bjmsr-2475	195	18	(	(	PUNCT
bjmsr-2475	195	19	i	i	PRON
bjmsr-2475	195	20	have	have	AUX
bjmsr-2475	195	21	a	a	DET
bjmsr-2475	195	22	financial	financial	ADJ
bjmsr-2475	195	23	plan	plan	NOUN
bjmsr-2475	195	24	or	or	CCONJ
bjmsr-2475	195	25	backup	backup	NOUN
bjmsr-2475	195	26	to	to	PART
bjmsr-2475	195	27	deal	deal	VERB
bjmsr-2475	195	28	with	with	ADP
bjmsr-2475	195	29	unexpected	unexpected	ADJ
bjmsr-2475	195	30	expenses	expense	NOUN
bjmsr-2475	195	31	in	in	ADP
bjmsr-2475	195	32	the	the	DET
bjmsr-2475	195	33	future	future	NOUN
bjmsr-2475	195	34	)	)	PUNCT
bjmsr-2475	195	35	.	.	PUNCT
bjmsr-2475	196	1	the	the	DET
bjmsr-2475	196	2	level	level	NOUN
bjmsr-2475	196	3	of	of	ADP
bjmsr-2475	196	4	perceived	perceive	VERB
bjmsr-2475	196	5	economic	economic	ADJ
bjmsr-2475	196	6	empowerment	empowerment	NOUN
bjmsr-2475	196	7	is	be	AUX
bjmsr-2475	196	8	moderate	moderate	ADJ
bjmsr-2475	196	9	to	to	PART
bjmsr-2475	196	10	high	high	ADJ
bjmsr-2475	196	11	,	,	PUNCT
bjmsr-2475	196	12	with	with	ADP
bjmsr-2475	196	13	low	low	ADJ
bjmsr-2475	196	14	variation	variation	NOUN
bjmsr-2475	196	15	between	between	ADP
bjmsr-2475	196	16	respondents	respondent	NOUN
bjmsr-2475	196	17	.	.	PUNCT
bjmsr-2475	197	1	table	table	NOUN
bjmsr-2475	197	2	8	8	NUM
bjmsr-2475	197	3	.	.	PUNCT
bjmsr-2475	198	1	descriptive	descriptive	ADJ
bjmsr-2475	198	2	statistics	statistic	NOUN
bjmsr-2475	198	3	for	for	ADP
bjmsr-2475	198	4	trust	trust	NOUN
bjmsr-2475	198	5	in	in	ADP
bjmsr-2475	198	6	financial	financial	ADJ
bjmsr-2475	198	7	institutions	institution	NOUN
bjmsr-2475	198	8	(	(	PUNCT
bjmsr-2475	198	9	tfi	tfi	NOUN
bjmsr-2475	198	10	)	)	PUNCT
bjmsr-2475	198	11	.	.	PUNCT
bjmsr-2475	199	1	indicators	indicator	NOUN
bjmsr-2475	199	2	mean	mean	VERB
bjmsr-2475	199	3	standard	standard	ADJ
bjmsr-2475	199	4	deviation	deviation	NOUN
bjmsr-2475	199	5	(	(	PUNCT
bjmsr-2475	199	6	sd	sd	NOUN
bjmsr-2475	199	7	)	)	PUNCT
bjmsr-2475	199	8	tfi1	tfi1	CCONJ
bjmsr-2475	199	9	4.354	4.354	NUM
bjmsr-2475	199	10	1.287	1.287	NUM
bjmsr-2475	199	11	tfi4	tfi4	NOUN
bjmsr-2475	199	12	4.959	4.959	NUM
bjmsr-2475	199	13	1.009	1.009	NUM
bjmsr-2475	199	14	tfi5	tfi5	NOUN
bjmsr-2475	199	15	4.714	4.714	NUM
bjmsr-2475	199	16	1.172	1.172	NUM
bjmsr-2475	199	17	source	source	NOUN
bjmsr-2475	199	18	:	:	PUNCT
bjmsr-2475	199	19	author	author	PROPN
bjmsr-2475	199	20	’s	’s	PART
bjmsr-2475	199	21	data	datum	NOUN
bjmsr-2475	199	22	processing	processing	NOUN
bjmsr-2475	199	23	(	(	PUNCT
bjmsr-2475	199	24	2025	2025	NUM
bjmsr-2475	199	25	)	)	PUNCT
bjmsr-2475	199	26	trust	trust	NOUN
bjmsr-2475	199	27	in	in	ADP
bjmsr-2475	199	28	financial	financial	ADJ
bjmsr-2475	199	29	institutions	institution	NOUN
bjmsr-2475	199	30	represents	represent	VERB
bjmsr-2475	199	31	the	the	DET
bjmsr-2475	199	32	respondents	respondent	NOUN
bjmsr-2475	199	33	'	'	PART
bjmsr-2475	199	34	level	level	NOUN
bjmsr-2475	199	35	of	of	ADP
bjmsr-2475	199	36	trust	trust	NOUN
bjmsr-2475	199	37	in	in	ADP
bjmsr-2475	199	38	traditional	traditional	ADJ
bjmsr-2475	199	39	financial	financial	ADJ
bjmsr-2475	199	40	institutions	institution	NOUN
bjmsr-2475	199	41	,	,	PUNCT
bjmsr-2475	199	42	especially	especially	ADV
bjmsr-2475	199	43	after	after	ADP
bjmsr-2475	199	44	using	use	VERB
bjmsr-2475	199	45	blockchain	blockchain	NOUN
bjmsr-2475	199	46	or	or	CCONJ
bjmsr-2475	199	47	cryptocurrency	cryptocurrency	NOUN
bjmsr-2475	199	48	-	-	PUNCT
bjmsr-2475	199	49	based	base	VERB
bjmsr-2475	199	50	services	service	NOUN
bjmsr-2475	199	51	.	.	PUNCT
bjmsr-2475	200	1	trust	trust	NOUN
bjmsr-2475	200	2	in	in	ADP
bjmsr-2475	200	3	a	a	DET
bjmsr-2475	200	4	financial	financial	ADJ
bjmsr-2475	200	5	institution	institution	NOUN
bjmsr-2475	200	6	becomes	become	VERB
bjmsr-2475	200	7	a	a	DET
bjmsr-2475	200	8	key	key	NOUN
bjmsr-2475	200	9	in	in	ADP
bjmsr-2475	200	10	the	the	DET
bjmsr-2475	200	11	decision	decision	NOUN
bjmsr-2475	200	12	-	-	PUNCT
bjmsr-2475	200	13	making	make	VERB
bjmsr-2475	200	14	process	process	NOUN
bjmsr-2475	200	15	.	.	PUNCT
bjmsr-2475	201	1	based	base	VERB
bjmsr-2475	201	2	on	on	ADP
bjmsr-2475	201	3	table	table	NOUN
bjmsr-2475	201	4	8	8	NUM
bjmsr-2475	201	5	,	,	PUNCT
bjmsr-2475	201	6	the	the	DET
bjmsr-2475	201	7	maximum	maximum	ADJ
bjmsr-2475	201	8	indicator	indicator	NOUN
bjmsr-2475	201	9	average	average	ADJ
bjmsr-2475	201	10	value	value	NOUN
bjmsr-2475	201	11	of	of	ADP
bjmsr-2475	201	12	4.959	4.959	NUM
bjmsr-2475	201	13	is	be	AUX
bjmsr-2475	201	14	on	on	ADP
bjmsr-2475	201	15	the	the	DET
bjmsr-2475	201	16	indicator	indicator	NOUN
bjmsr-2475	201	17	tfi4	tfi4	NOUN
bjmsr-2475	201	18	(	(	PUNCT
bjmsr-2475	201	19	i	i	PRON
bjmsr-2475	201	20	believe	believe	VERB
bjmsr-2475	201	21	that	that	SCONJ
bjmsr-2475	201	22	the	the	DET
bjmsr-2475	201	23	financial	financial	ADJ
bjmsr-2475	201	24	institution	institution	NOUN
bjmsr-2475	201	25	i	i	PRON
bjmsr-2475	201	26	use	use	VERB
bjmsr-2475	201	27	conveys	convey	VERB
bjmsr-2475	201	28	information	information	NOUN
bjmsr-2475	201	29	honestly	honestly	ADV
bjmsr-2475	201	30	to	to	ADP
bjmsr-2475	201	31	customers	customer	NOUN
bjmsr-2475	201	32	)	)	PUNCT
bjmsr-2475	201	33	.	.	PUNCT
bjmsr-2475	202	1	on	on	ADP
bjmsr-2475	202	2	the	the	DET
bjmsr-2475	202	3	other	other	ADJ
bjmsr-2475	202	4	hand	hand	NOUN
bjmsr-2475	202	5	,	,	PUNCT
bjmsr-2475	202	6	the	the	DET
bjmsr-2475	202	7	indicator	indicator	NOUN
bjmsr-2475	202	8	with	with	ADP
bjmsr-2475	202	9	the	the	DET
bjmsr-2475	202	10	lowest	low	ADJ
bjmsr-2475	202	11	average	average	ADJ
bjmsr-2475	202	12	value	value	NOUN
bjmsr-2475	202	13	of	of	ADP
bjmsr-2475	202	14	4.354	4.354	NUM
bjmsr-2475	202	15	is	be	AUX
bjmsr-2475	202	16	indicator	indicator	NOUN
bjmsr-2475	202	17	tfi1	tfi1	PROPN
bjmsr-2475	202	18	(	(	PUNCT
bjmsr-2475	202	19	government	government	NOUN
bjmsr-2475	202	20	regulations	regulation	NOUN
bjmsr-2475	202	21	on	on	ADP
bjmsr-2475	202	22	financial	financial	ADJ
bjmsr-2475	202	23	institutions	institution	NOUN
bjmsr-2475	202	24	ensure	ensure	VERB
bjmsr-2475	202	25	fairness	fairness	NOUN
bjmsr-2475	202	26	and	and	CCONJ
bjmsr-2475	202	27	transparency	transparency	NOUN
bjmsr-2475	202	28	in	in	ADP
bjmsr-2475	202	29	the	the	DET
bjmsr-2475	202	30	financial	financial	ADJ
bjmsr-2475	202	31	system	system	NOUN
bjmsr-2475	202	32	)	)	PUNCT
bjmsr-2475	202	33	.	.	PUNCT
bjmsr-2475	203	1	the	the	DET
bjmsr-2475	203	2	level	level	NOUN
bjmsr-2475	203	3	of	of	ADP
bjmsr-2475	203	4	trust	trust	NOUN
bjmsr-2475	203	5	in	in	ADP
bjmsr-2475	203	6	financial	financial	ADJ
bjmsr-2475	203	7	institutions	institution	NOUN
bjmsr-2475	203	8	is	be	AUX
bjmsr-2475	203	9	moderate	moderate	ADJ
bjmsr-2475	203	10	,	,	PUNCT
bjmsr-2475	203	11	with	with	ADP
bjmsr-2475	203	12	low	low	ADJ
bjmsr-2475	203	13	variation	variation	NOUN
bjmsr-2475	203	14	between	between	ADP
bjmsr-2475	203	15	respondents	respondent	NOUN
bjmsr-2475	203	16	.	.	PUNCT
bjmsr-2475	204	1	this	this	DET
bjmsr-2475	204	2	finding	finding	NOUN
bjmsr-2475	204	3	is	be	AUX
bjmsr-2475	204	4	important	important	ADJ
bjmsr-2475	204	5	as	as	SCONJ
bjmsr-2475	204	6	it	it	PRON
bjmsr-2475	204	7	suggests	suggest	VERB
bjmsr-2475	204	8	that	that	SCONJ
bjmsr-2475	204	9	trust	trust	NOUN
bjmsr-2475	204	10	in	in	ADP
bjmsr-2475	204	11	financial	financial	ADJ
bjmsr-2475	204	12	institutions	institution	NOUN
bjmsr-2475	204	13	is	be	AUX
bjmsr-2475	204	14	still	still	ADV
bjmsr-2475	204	15	being	be	AUX
bjmsr-2475	204	16	built	build	VERB
bjmsr-2475	204	17	gradually	gradually	ADV
bjmsr-2475	204	18	and	and	CCONJ
bjmsr-2475	204	19	is	be	AUX
bjmsr-2475	204	20	influenced	influence	VERB
bjmsr-2475	204	21	by	by	ADP
bjmsr-2475	204	22	respondents	respondent	NOUN
bjmsr-2475	204	23	'	'	PART
bjmsr-2475	204	24	digital	digital	ADJ
bjmsr-2475	204	25	experience	experience	NOUN
bjmsr-2475	204	26	.	.	PUNCT
bjmsr-2475	205	1	ferli	ferli	PROPN
bjmsr-2475	205	2	et	et	PROPN
bjmsr-2475	205	3	al	al	PROPN
bjmsr-2475	205	4	.	.	PROPN
bjmsr-2475	205	5	,	,	PUNCT
bjmsr-2475	205	6	bangladesh	bangladesh	PROPN
bjmsr-2475	205	7	journal	journal	NOUN
bjmsr-2475	205	8	of	of	ADP
bjmsr-2475	205	9	multidisciplinary	multidisciplinary	ADJ
bjmsr-2475	205	10	scientific	scientific	ADJ
bjmsr-2475	205	11	research	research	NOUN
bjmsr-2475	205	12	10(5	10(5	NOUN
bjmsr-2475	205	13	)	)	PUNCT
bjmsr-2475	205	14	(	(	PUNCT
bjmsr-2475	205	15	2025	2025	NUM
bjmsr-2475	205	16	)	)	PUNCT
bjmsr-2475	205	17	,	,	PUNCT
bjmsr-2475	205	18	46	46	NUM
bjmsr-2475	205	19	-	-	SYM
bjmsr-2475	205	20	55	55	NUM
bjmsr-2475	205	21	52	52	NUM
bjmsr-2475	205	22	table	table	NOUN
bjmsr-2475	205	23	9	9	NUM
bjmsr-2475	205	24	.	.	PUNCT
bjmsr-2475	205	25	descriptive	descriptive	ADJ
bjmsr-2475	205	26	statistics	statistic	NOUN
bjmsr-2475	205	27	for	for	ADP
bjmsr-2475	205	28	user	user	NOUN
bjmsr-2475	205	29	satisfaction	satisfaction	NOUN
bjmsr-2475	205	30	(	(	PUNCT
bjmsr-2475	205	31	us	we	PRON
bjmsr-2475	205	32	)	)	PUNCT
bjmsr-2475	205	33	indicators	indicator	NOUN
bjmsr-2475	205	34	mean	mean	VERB
bjmsr-2475	205	35	standard	standard	ADJ
bjmsr-2475	205	36	deviation	deviation	NOUN
bjmsr-2475	205	37	(	(	PUNCT
bjmsr-2475	205	38	sd	sd	NOUN
bjmsr-2475	205	39	)	)	PUNCT
bjmsr-2475	205	40	us1	us1	PROPN
bjmsr-2475	205	41	5.265	5.265	NUM
bjmsr-2475	205	42	0.891	0.891	NUM
bjmsr-2475	205	43	us2	us2	NUM
bjmsr-2475	205	44	5.272	5.272	NUM
bjmsr-2475	205	45	0.9	0.9	NUM
bjmsr-2475	206	1	us3	us3	NOUN
bjmsr-2475	206	2	4.857	4.857	NUM
bjmsr-2475	206	3	1.267	1.267	NUM
bjmsr-2475	206	4	us4	us4	NOUN
bjmsr-2475	206	5	4.558	4.558	NUM
bjmsr-2475	206	6	1.4	1.4	NUM
bjmsr-2475	206	7	us5	us5	PROPN
bjmsr-2475	206	8	5.177	5.177	NUM
bjmsr-2475	206	9	1.067	1.067	NUM
bjmsr-2475	206	10	source	source	NOUN
bjmsr-2475	206	11	:	:	PUNCT
bjmsr-2475	206	12	author	author	PROPN
bjmsr-2475	206	13	’s	’s	PART
bjmsr-2475	206	14	data	datum	NOUN
bjmsr-2475	206	15	processing	processing	NOUN
bjmsr-2475	206	16	(	(	PUNCT
bjmsr-2475	206	17	2025	2025	NUM
bjmsr-2475	206	18	)	)	PUNCT
bjmsr-2475	206	19	user	user	NOUN
bjmsr-2475	206	20	satisfaction	satisfaction	NOUN
bjmsr-2475	206	21	reflects	reflect	VERB
bjmsr-2475	206	22	the	the	DET
bjmsr-2475	206	23	level	level	NOUN
bjmsr-2475	206	24	of	of	ADP
bjmsr-2475	206	25	user	user	NOUN
bjmsr-2475	206	26	satisfaction	satisfaction	NOUN
bjmsr-2475	206	27	with	with	ADP
bjmsr-2475	206	28	their	their	PRON
bjmsr-2475	206	29	experience	experience	NOUN
bjmsr-2475	206	30	using	use	VERB
bjmsr-2475	206	31	the	the	DET
bjmsr-2475	206	32	cryptocurrency	cryptocurrency	NOUN
bjmsr-2475	206	33	platform	platform	NOUN
bjmsr-2475	206	34	.	.	PUNCT
bjmsr-2475	207	1	based	base	VERB
bjmsr-2475	207	2	on	on	ADP
bjmsr-2475	207	3	table	table	NOUN
bjmsr-2475	207	4	9	9	NUM
bjmsr-2475	207	5	,	,	PUNCT
bjmsr-2475	207	6	the	the	DET
bjmsr-2475	207	7	maximum	maximum	ADJ
bjmsr-2475	207	8	indicator	indicator	NOUN
bjmsr-2475	207	9	average	average	ADJ
bjmsr-2475	207	10	values	value	NOUN
bjmsr-2475	207	11	of	of	ADP
bjmsr-2475	207	12	5.272	5.272	NUM
bjmsr-2475	207	13	are	be	AUX
bjmsr-2475	207	14	on	on	ADP
bjmsr-2475	207	15	the	the	DET
bjmsr-2475	207	16	indicator	indicator	NOUN
bjmsr-2475	207	17	us2	us2	PROPN
bjmsr-2475	207	18	(	(	PUNCT
bjmsr-2475	207	19	i	i	PRON
bjmsr-2475	207	20	am	be	AUX
bjmsr-2475	207	21	satisfied	satisfied	ADJ
bjmsr-2475	207	22	with	with	ADP
bjmsr-2475	207	23	the	the	DET
bjmsr-2475	207	24	security	security	NOUN
bjmsr-2475	207	25	systems	system	NOUN
bjmsr-2475	207	26	provided	provide	VERB
bjmsr-2475	207	27	by	by	ADP
bjmsr-2475	207	28	the	the	DET
bjmsr-2475	207	29	cryptocurrency	cryptocurrency	NOUN
bjmsr-2475	207	30	platforms	platform	NOUN
bjmsr-2475	207	31	i	i	PRON
bjmsr-2475	207	32	use	use	VERB
bjmsr-2475	207	33	)	)	PUNCT
bjmsr-2475	207	34	.	.	PUNCT
bjmsr-2475	208	1	on	on	ADP
bjmsr-2475	208	2	the	the	DET
bjmsr-2475	208	3	other	other	ADJ
bjmsr-2475	208	4	hand	hand	NOUN
bjmsr-2475	208	5	,	,	PUNCT
bjmsr-2475	208	6	the	the	DET
bjmsr-2475	208	7	indicator	indicator	NOUN
bjmsr-2475	208	8	with	with	ADP
bjmsr-2475	208	9	the	the	DET
bjmsr-2475	208	10	lowest	low	ADJ
bjmsr-2475	208	11	average	average	ADJ
bjmsr-2475	208	12	value	value	NOUN
bjmsr-2475	208	13	of	of	ADP
bjmsr-2475	208	14	4.558	4.558	NUM
bjmsr-2475	208	15	is	be	AUX
bjmsr-2475	208	16	indicator	indicator	NOUN
bjmsr-2475	208	17	us4	us4	PROPN
bjmsr-2475	208	18	(	(	PUNCT
bjmsr-2475	208	19	i	i	PRON
bjmsr-2475	208	20	am	be	AUX
bjmsr-2475	208	21	satisfied	satisfied	ADJ
bjmsr-2475	208	22	with	with	ADP
bjmsr-2475	208	23	the	the	DET
bjmsr-2475	208	24	fees	fee	NOUN
bjmsr-2475	208	25	charged	charge	VERB
bjmsr-2475	208	26	when	when	SCONJ
bjmsr-2475	208	27	using	use	VERB
bjmsr-2475	208	28	cryptocurrencies	cryptocurrencie	NOUN
bjmsr-2475	208	29	)	)	PUNCT
bjmsr-2475	208	30	.	.	PUNCT
bjmsr-2475	209	1	the	the	DET
bjmsr-2475	209	2	level	level	NOUN
bjmsr-2475	209	3	of	of	ADP
bjmsr-2475	209	4	user	user	NOUN
bjmsr-2475	209	5	satisfaction	satisfaction	NOUN
bjmsr-2475	209	6	is	be	AUX
bjmsr-2475	209	7	moderate	moderate	ADJ
bjmsr-2475	209	8	to	to	PART
bjmsr-2475	209	9	high	high	ADJ
bjmsr-2475	209	10	,	,	PUNCT
bjmsr-2475	209	11	with	with	ADP
bjmsr-2475	209	12	low	low	ADJ
bjmsr-2475	209	13	variation	variation	NOUN
bjmsr-2475	209	14	between	between	ADP
bjmsr-2475	209	15	respondents	respondent	NOUN
bjmsr-2475	209	16	.	.	PUNCT
bjmsr-2475	210	1	this	this	PRON
bjmsr-2475	210	2	reflects	reflect	VERB
bjmsr-2475	210	3	that	that	SCONJ
bjmsr-2475	210	4	while	while	SCONJ
bjmsr-2475	210	5	most	most	ADJ
bjmsr-2475	210	6	respondents	respondent	NOUN
bjmsr-2475	210	7	are	be	AUX
bjmsr-2475	210	8	satisfied	satisfied	ADJ
bjmsr-2475	210	9	,	,	PUNCT
bjmsr-2475	210	10	there	there	PRON
bjmsr-2475	210	11	is	be	VERB
bjmsr-2475	210	12	a	a	DET
bjmsr-2475	210	13	group	group	NOUN
bjmsr-2475	210	14	that	that	PRON
bjmsr-2475	210	15	may	may	AUX
bjmsr-2475	210	16	have	have	VERB
bjmsr-2475	210	17	a	a	DET
bjmsr-2475	210	18	less	less	ADV
bjmsr-2475	210	19	satisfactory	satisfactory	ADJ
bjmsr-2475	210	20	experience	experience	NOUN
bjmsr-2475	210	21	.	.	PUNCT
bjmsr-2475	211	1	table	table	NOUN
bjmsr-2475	211	2	10	10	NUM
bjmsr-2475	211	3	.	.	PUNCT
bjmsr-2475	212	1	descriptive	descriptive	ADJ
bjmsr-2475	212	2	statistics	statistic	NOUN
bjmsr-2475	212	3	for	for	ADP
bjmsr-2475	212	4	financial	financial	ADJ
bjmsr-2475	212	5	inclusion	inclusion	NOUN
bjmsr-2475	212	6	(	(	PUNCT
bjmsr-2475	212	7	fi	fi	NOUN
bjmsr-2475	212	8	)	)	PUNCT
bjmsr-2475	212	9	indicators	indicator	NOUN
bjmsr-2475	212	10	mean	mean	VERB
bjmsr-2475	212	11	standard	standard	ADJ
bjmsr-2475	212	12	deviation	deviation	NOUN
bjmsr-2475	212	13	(	(	PUNCT
bjmsr-2475	212	14	sd	sd	NOUN
bjmsr-2475	212	15	)	)	PUNCT
bjmsr-2475	212	16	fi1	fi1	NOUN
bjmsr-2475	212	17	5.19	5.19	NUM
bjmsr-2475	212	18	1.058	1.058	NUM
bjmsr-2475	212	19	fi2	fi2	NOUN
bjmsr-2475	212	20	5.054	5.054	NUM
bjmsr-2475	212	21	1.177	1.177	NUM
bjmsr-2475	212	22	fi3	fi3	VERB
bjmsr-2475	212	23	5.034	5.034	NUM
bjmsr-2475	212	24	0.907	0.907	NUM
bjmsr-2475	212	25	fi4	fi4	NOUN
bjmsr-2475	212	26	4.986	4.986	NUM
bjmsr-2475	212	27	1.155	1.155	NUM
bjmsr-2475	212	28	fi5	fi5	PROPN
bjmsr-2475	212	29	4.912	4.912	NUM
bjmsr-2475	212	30	0.975	0.975	NUM
bjmsr-2475	212	31	source	source	NOUN
bjmsr-2475	212	32	:	:	PUNCT
bjmsr-2475	212	33	author	author	PROPN
bjmsr-2475	212	34	’s	’s	PART
bjmsr-2475	212	35	data	datum	NOUN
bjmsr-2475	212	36	processing	processing	NOUN
bjmsr-2475	212	37	(	(	PUNCT
bjmsr-2475	212	38	2025	2025	NUM
bjmsr-2475	212	39	)	)	PUNCT
bjmsr-2475	212	40	financial	financial	ADJ
bjmsr-2475	212	41	inclusion	inclusion	NOUN
bjmsr-2475	212	42	represents	represent	VERB
bjmsr-2475	212	43	the	the	DET
bjmsr-2475	212	44	degree	degree	NOUN
bjmsr-2475	212	45	to	to	PART
bjmsr-2475	212	46	which	which	PRON
bjmsr-2475	212	47	individuals	individual	NOUN
bjmsr-2475	212	48	participate	participate	VERB
bjmsr-2475	212	49	in	in	ADP
bjmsr-2475	212	50	the	the	DET
bjmsr-2475	212	51	formal	formal	ADJ
bjmsr-2475	212	52	financial	financial	ADJ
bjmsr-2475	212	53	system	system	NOUN
bjmsr-2475	212	54	,	,	PUNCT
bjmsr-2475	212	55	encompassing	encompass	VERB
bjmsr-2475	212	56	access	access	NOUN
bjmsr-2475	212	57	to	to	ADP
bjmsr-2475	212	58	banking	banking	NOUN
bjmsr-2475	212	59	services	service	NOUN
bjmsr-2475	212	60	,	,	PUNCT
bjmsr-2475	212	61	utilization	utilization	NOUN
bjmsr-2475	212	62	of	of	ADP
bjmsr-2475	212	63	financial	financial	ADJ
bjmsr-2475	212	64	products	product	NOUN
bjmsr-2475	212	65	,	,	PUNCT
bjmsr-2475	212	66	and	and	CCONJ
bjmsr-2475	212	67	financial	financial	ADJ
bjmsr-2475	212	68	literacy	literacy	NOUN
bjmsr-2475	212	69	.	.	PUNCT
bjmsr-2475	213	1	in	in	ADP
bjmsr-2475	213	2	analyzing	analyze	VERB
bjmsr-2475	213	3	users	user	NOUN
bjmsr-2475	213	4	'	'	PART
bjmsr-2475	213	5	choices	choice	NOUN
bjmsr-2475	213	6	to	to	PART
bjmsr-2475	213	7	adopt	adopt	VERB
bjmsr-2475	213	8	cryptocurrency	cryptocurrency	NOUN
bjmsr-2475	213	9	,	,	PUNCT
bjmsr-2475	213	10	perceived	perceive	VERB
bjmsr-2475	213	11	value	value	NOUN
bjmsr-2475	213	12	serves	serve	VERB
bjmsr-2475	213	13	as	as	ADP
bjmsr-2475	213	14	a	a	DET
bjmsr-2475	213	15	valuable	valuable	ADJ
bjmsr-2475	213	16	framework	framework	NOUN
bjmsr-2475	213	17	for	for	ADP
bjmsr-2475	213	18	predicting	predict	VERB
bjmsr-2475	213	19	technology	technology	NOUN
bjmsr-2475	213	20	usage	usage	NOUN
bjmsr-2475	213	21	intentions	intention	NOUN
bjmsr-2475	213	22	,	,	PUNCT
bjmsr-2475	213	23	with	with	ADP
bjmsr-2475	213	24	technology	technology	NOUN
bjmsr-2475	213	25	adoption	adoption	NOUN
bjmsr-2475	213	26	theories	theory	NOUN
bjmsr-2475	213	27	aiding	aid	VERB
bjmsr-2475	213	28	in	in	ADP
bjmsr-2475	213	29	identifying	identify	VERB
bjmsr-2475	213	30	key	key	ADJ
bjmsr-2475	213	31	value	value	NOUN
bjmsr-2475	213	32	drivers	driver	NOUN
bjmsr-2475	213	33	(	(	PUNCT
bjmsr-2475	213	34	garcía	garcía	NOUN
bjmsr-2475	213	35	-	-	PUNCT
bjmsr-2475	213	36	monleón	monleón	NOUN
bjmsr-2475	213	37	et	et	PROPN
bjmsr-2475	213	38	al	al	PROPN
bjmsr-2475	213	39	.	.	PROPN
bjmsr-2475	213	40	,	,	PUNCT
bjmsr-2475	213	41	2023	2023	NUM
bjmsr-2475	213	42	)	)	PUNCT
bjmsr-2475	213	43	.	.	PUNCT
bjmsr-2475	214	1	as	as	SCONJ
bjmsr-2475	214	2	shown	show	VERB
bjmsr-2475	214	3	in	in	ADP
bjmsr-2475	214	4	table	table	NOUN
bjmsr-2475	214	5	10	10	NUM
bjmsr-2475	214	6	,	,	PUNCT
bjmsr-2475	214	7	the	the	DET
bjmsr-2475	214	8	highest	high	ADJ
bjmsr-2475	214	9	mean	mean	ADJ
bjmsr-2475	214	10	score	score	NOUN
bjmsr-2475	214	11	(	(	PUNCT
bjmsr-2475	214	12	5.19	5.19	NUM
bjmsr-2475	214	13	)	)	PUNCT
bjmsr-2475	214	14	is	be	AUX
bjmsr-2475	214	15	associated	associate	VERB
bjmsr-2475	214	16	with	with	ADP
bjmsr-2475	214	17	fi1	fi1	PROPN
bjmsr-2475	214	18	(	(	PUNCT
bjmsr-2475	214	19	"	"	PUNCT
bjmsr-2475	214	20	i	i	PRON
bjmsr-2475	214	21	have	have	AUX
bjmsr-2475	214	22	easy	easy	ADJ
bjmsr-2475	214	23	access	access	NOUN
bjmsr-2475	214	24	to	to	ADP
bjmsr-2475	214	25	digital	digital	ADJ
bjmsr-2475	214	26	banking	banking	NOUN
bjmsr-2475	214	27	services	service	NOUN
bjmsr-2475	214	28	"	"	PUNCT
bjmsr-2475	214	29	)	)	PUNCT
bjmsr-2475	214	30	.	.	PUNCT
bjmsr-2475	215	1	at	at	ADP
bjmsr-2475	215	2	the	the	DET
bjmsr-2475	215	3	same	same	ADJ
bjmsr-2475	215	4	time	time	NOUN
bjmsr-2475	215	5	,	,	PUNCT
bjmsr-2475	215	6	the	the	DET
bjmsr-2475	215	7	lowest	low	ADJ
bjmsr-2475	215	8	(	(	PUNCT
bjmsr-2475	215	9	4.912	4.912	NUM
bjmsr-2475	215	10	)	)	PUNCT
bjmsr-2475	215	11	corresponds	correspond	VERB
bjmsr-2475	215	12	to	to	ADP
bjmsr-2475	215	13	fi5	fi5	PROPN
bjmsr-2475	215	14	(	(	PUNCT
bjmsr-2475	215	15	"	"	PUNCT
bjmsr-2475	215	16	i	i	PRON
bjmsr-2475	215	17	understand	understand	VERB
bjmsr-2475	215	18	basic	basic	ADJ
bjmsr-2475	215	19	financial	financial	ADJ
bjmsr-2475	215	20	concepts	concept	NOUN
bjmsr-2475	215	21	such	such	ADJ
bjmsr-2475	215	22	as	as	ADP
bjmsr-2475	215	23	interest	interest	NOUN
bjmsr-2475	215	24	rates	rate	NOUN
bjmsr-2475	215	25	,	,	PUNCT
bjmsr-2475	215	26	budgeting	budgeting	NOUN
bjmsr-2475	215	27	,	,	PUNCT
bjmsr-2475	215	28	and	and	CCONJ
bjmsr-2475	215	29	investment	investment	NOUN
bjmsr-2475	215	30	options	option	NOUN
bjmsr-2475	215	31	"	"	PUNCT
bjmsr-2475	215	32	)	)	PUNCT
bjmsr-2475	215	33	.	.	PUNCT
bjmsr-2475	216	1	these	these	DET
bjmsr-2475	216	2	findings	finding	NOUN
bjmsr-2475	216	3	reflect	reflect	VERB
bjmsr-2475	216	4	a	a	DET
bjmsr-2475	216	5	generally	generally	ADV
bjmsr-2475	216	6	moderate	moderate	ADJ
bjmsr-2475	216	7	to	to	ADP
bjmsr-2475	216	8	high	high	ADJ
bjmsr-2475	216	9	level	level	NOUN
bjmsr-2475	216	10	of	of	ADP
bjmsr-2475	216	11	financial	financial	ADJ
bjmsr-2475	216	12	inclusion	inclusion	NOUN
bjmsr-2475	216	13	among	among	ADP
bjmsr-2475	216	14	participants	participant	NOUN
bjmsr-2475	216	15	,	,	PUNCT
bjmsr-2475	216	16	with	with	ADP
bjmsr-2475	216	17	relatively	relatively	ADV
bjmsr-2475	216	18	slight	slight	ADJ
bjmsr-2475	216	19	variation	variation	NOUN
bjmsr-2475	216	20	.	.	PUNCT
bjmsr-2475	217	1	discussions	discussion	NOUN
bjmsr-2475	217	2	the	the	DET
bjmsr-2475	217	3	adoption	adoption	NOUN
bjmsr-2475	217	4	of	of	ADP
bjmsr-2475	217	5	cryptocurrencies	cryptocurrencie	NOUN
bjmsr-2475	217	6	and	and	CCONJ
bjmsr-2475	217	7	their	their	PRON
bjmsr-2475	217	8	growing	grow	VERB
bjmsr-2475	217	9	utilization	utilization	NOUN
bjmsr-2475	217	10	,	,	PUNCT
bjmsr-2475	217	11	particularly	particularly	ADV
bjmsr-2475	217	12	in	in	ADP
bjmsr-2475	217	13	developing	develop	VERB
bjmsr-2475	217	14	nations	nation	NOUN
bjmsr-2475	217	15	,	,	PUNCT
bjmsr-2475	217	16	offer	offer	VERB
bjmsr-2475	217	17	significant	significant	ADJ
bjmsr-2475	217	18	advantages	advantage	NOUN
bjmsr-2475	217	19	in	in	ADP
bjmsr-2475	217	20	advancing	advance	VERB
bjmsr-2475	217	21	financial	financial	ADJ
bjmsr-2475	217	22	inclusion	inclusion	NOUN
bjmsr-2475	217	23	and	and	CCONJ
bjmsr-2475	217	24	fostering	foster	VERB
bjmsr-2475	217	25	economic	economic	ADJ
bjmsr-2475	217	26	empowerment	empowerment	NOUN
bjmsr-2475	217	27	.	.	PUNCT
bjmsr-2475	218	1	this	this	DET
bjmsr-2475	218	2	study	study	NOUN
bjmsr-2475	218	3	's	's	PART
bjmsr-2475	218	4	findings	finding	NOUN
bjmsr-2475	218	5	suggest	suggest	VERB
bjmsr-2475	218	6	that	that	SCONJ
bjmsr-2475	218	7	cryptocurrencies	cryptocurrencie	NOUN
bjmsr-2475	218	8	serve	serve	VERB
bjmsr-2475	218	9	as	as	ADP
bjmsr-2475	218	10	viable	viable	ADJ
bjmsr-2475	218	11	alternatives	alternative	NOUN
bjmsr-2475	218	12	to	to	ADP
bjmsr-2475	218	13	conventional	conventional	ADJ
bjmsr-2475	218	14	banking	banking	NOUN
bjmsr-2475	218	15	services	service	NOUN
bjmsr-2475	218	16	,	,	PUNCT
bjmsr-2475	218	17	especially	especially	ADV
bjmsr-2475	218	18	in	in	ADP
bjmsr-2475	218	19	regions	region	NOUN
bjmsr-2475	218	20	with	with	ADP
bjmsr-2475	218	21	limited	limited	ADJ
bjmsr-2475	218	22	or	or	CCONJ
bjmsr-2475	218	23	no	no	DET
bjmsr-2475	218	24	banking	banking	NOUN
bjmsr-2475	218	25	infrastructure	infrastructure	NOUN
bjmsr-2475	218	26	.	.	PUNCT
bjmsr-2475	219	1	digital	digital	ADJ
bjmsr-2475	219	2	currencies	currency	NOUN
bjmsr-2475	219	3	can	can	AUX
bjmsr-2475	219	4	support	support	VERB
bjmsr-2475	219	5	financial	financial	ADJ
bjmsr-2475	219	6	inclusion	inclusion	NOUN
bjmsr-2475	219	7	by	by	ADP
bjmsr-2475	219	8	enabling	enable	VERB
bjmsr-2475	219	9	faster	fast	ADJ
bjmsr-2475	219	10	transactions	transaction	NOUN
bjmsr-2475	219	11	,	,	PUNCT
bjmsr-2475	219	12	reducing	reduce	VERB
bjmsr-2475	219	13	transaction	transaction	NOUN
bjmsr-2475	219	14	costs	cost	NOUN
bjmsr-2475	219	15	,	,	PUNCT
bjmsr-2475	219	16	and	and	CCONJ
bjmsr-2475	219	17	providing	provide	VERB
bjmsr-2475	219	18	secure	secure	ADJ
bjmsr-2475	219	19	options	option	NOUN
bjmsr-2475	219	20	for	for	ADP
bjmsr-2475	219	21	saving	saving	NOUN
bjmsr-2475	219	22	and	and	CCONJ
bjmsr-2475	219	23	investing	investing	NOUN
bjmsr-2475	219	24	.	.	PUNCT
bjmsr-2475	220	1	table	table	NOUN
bjmsr-2475	220	2	11	11	NUM
bjmsr-2475	220	3	.	.	PUNCT
bjmsr-2475	221	1	hypothesis	hypothesis	NOUN
bjmsr-2475	221	2	testing	testing	NOUN
bjmsr-2475	221	3	hypothesis	hypothesis	NOUN
bjmsr-2475	221	4	path	path	NOUN
bjmsr-2475	221	5	coefficients	coefficient	VERB
bjmsr-2475	221	6	p	p	NOUN
bjmsr-2475	221	7	-	-	PUNCT
bjmsr-2475	221	8	value	value	NOUN
bjmsr-2475	221	9	result	result	NOUN
bjmsr-2475	221	10	h1	h1	PROPN
bjmsr-2475	221	11	:	:	PUNCT
bjmsr-2475	221	12	cryptocurrency	cryptocurrency	NOUN
bjmsr-2475	221	13	adoption	adoption	NOUN
bjmsr-2475	221	14	(	(	PUNCT
bjmsr-2475	221	15	ca	ca	NOUN
bjmsr-2475	221	16	)	)	PUNCT
bjmsr-2475	221	17	positively	positively	ADV
bjmsr-2475	221	18	influences	influence	VERB
bjmsr-2475	221	19	financial	financial	ADJ
bjmsr-2475	221	20	inclusion	inclusion	NOUN
bjmsr-2475	221	21	(	(	PUNCT
bjmsr-2475	221	22	fi	fi	NOUN
bjmsr-2475	221	23	)	)	PUNCT
bjmsr-2475	221	24	.	.	PUNCT
bjmsr-2475	222	1	0.635	0.635	NUM
bjmsr-2475	222	2	0	0	NUM
bjmsr-2475	222	3	*	*	PUNCT
bjmsr-2475	222	4	*	*	PUNCT
bjmsr-2475	222	5	*	*	PUNCT
bjmsr-2475	222	6	significant	significant	ADJ
bjmsr-2475	222	7	h2	h2	NOUN
bjmsr-2475	222	8	:	:	PUNCT
bjmsr-2475	222	9	cryptocurrency	cryptocurrency	NOUN
bjmsr-2475	222	10	adoption	adoption	NOUN
bjmsr-2475	222	11	(	(	PUNCT
bjmsr-2475	222	12	ca	ca	NOUN
bjmsr-2475	222	13	)	)	PUNCT
bjmsr-2475	222	14	positively	positively	ADV
bjmsr-2475	222	15	influences	influence	NOUN
bjmsr-2475	222	16	perceived	perceive	VERB
bjmsr-2475	222	17	economic	economic	ADJ
bjmsr-2475	222	18	empowerment	empowerment	NOUN
bjmsr-2475	222	19	(	(	PUNCT
bjmsr-2475	222	20	pee	pee	NOUN
bjmsr-2475	222	21	)	)	PUNCT
bjmsr-2475	222	22	.	.	PUNCT
bjmsr-2475	223	1	0.851	0.851	NUM
bjmsr-2475	223	2	0	0	NUM
bjmsr-2475	223	3	*	*	PUNCT
bjmsr-2475	223	4	*	*	PUNCT
bjmsr-2475	223	5	*	*	PUNCT
bjmsr-2475	223	6	significant	significant	ADJ
bjmsr-2475	223	7	h3	h3	NOUN
bjmsr-2475	223	8	:	:	PUNCT
bjmsr-2475	223	9	cryptocurrency	cryptocurrency	NOUN
bjmsr-2475	223	10	adoption	adoption	NOUN
bjmsr-2475	223	11	(	(	PUNCT
bjmsr-2475	223	12	ca	ca	NOUN
bjmsr-2475	223	13	)	)	PUNCT
bjmsr-2475	223	14	positively	positively	ADV
bjmsr-2475	223	15	influences	influence	VERB
bjmsr-2475	223	16	trust	trust	NOUN
bjmsr-2475	223	17	in	in	ADP
bjmsr-2475	223	18	financial	financial	ADJ
bjmsr-2475	223	19	institutions	institution	NOUN
bjmsr-2475	223	20	(	(	PUNCT
bjmsr-2475	223	21	tfi	tfi	NOUN
bjmsr-2475	223	22	)	)	PUNCT
bjmsr-2475	223	23	.	.	PUNCT
bjmsr-2475	224	1	0.732	0.732	NUM
bjmsr-2475	224	2	0	0	NUM
bjmsr-2475	224	3	*	*	PUNCT
bjmsr-2475	224	4	*	*	PUNCT
bjmsr-2475	224	5	*	*	PUNCT
bjmsr-2475	224	6	significant	significant	ADJ
bjmsr-2475	224	7	h4	h4	NOUN
bjmsr-2475	224	8	:	:	PUNCT
bjmsr-2475	224	9	cryptocurrency	cryptocurrency	NOUN
bjmsr-2475	224	10	adoption	adoption	NOUN
bjmsr-2475	224	11	(	(	PUNCT
bjmsr-2475	224	12	ca	ca	NOUN
bjmsr-2475	224	13	)	)	PUNCT
bjmsr-2475	224	14	positively	positively	ADV
bjmsr-2475	224	15	influences	influence	VERB
bjmsr-2475	224	16	user	user	NOUN
bjmsr-2475	224	17	satisfaction	satisfaction	NOUN
bjmsr-2475	224	18	(	(	PUNCT
bjmsr-2475	224	19	us	us	PROPN
bjmsr-2475	224	20	)	)	PUNCT
bjmsr-2475	224	21	.	.	PUNCT
bjmsr-2475	225	1	0.888	0.888	NUM
bjmsr-2475	225	2	0	0	NUM
bjmsr-2475	225	3	*	*	PUNCT
bjmsr-2475	225	4	*	*	PUNCT
bjmsr-2475	225	5	*	*	PUNCT
bjmsr-2475	225	6	significant	significant	ADJ
bjmsr-2475	225	7	h5	h5	NOUN
bjmsr-2475	225	8	:	:	PUNCT
bjmsr-2475	225	9	perceived	perceive	VERB
bjmsr-2475	225	10	economic	economic	ADJ
bjmsr-2475	225	11	empowerment	empowerment	NOUN
bjmsr-2475	225	12	(	(	PUNCT
bjmsr-2475	225	13	pee	pee	NOUN
bjmsr-2475	225	14	)	)	PUNCT
bjmsr-2475	225	15	positively	positively	ADV
bjmsr-2475	225	16	influences	influence	VERB
bjmsr-2475	225	17	financial	financial	ADJ
bjmsr-2475	225	18	inclusion	inclusion	NOUN
bjmsr-2475	225	19	(	(	PUNCT
bjmsr-2475	225	20	fi	fi	NOUN
bjmsr-2475	225	21	)	)	PUNCT
bjmsr-2475	225	22	.	.	PUNCT
bjmsr-2475	226	1	0.654	0.654	NUM
bjmsr-2475	226	2	0	0	NUM
bjmsr-2475	226	3	*	*	PUNCT
bjmsr-2475	226	4	*	*	PUNCT
bjmsr-2475	226	5	*	*	PUNCT
bjmsr-2475	226	6	significant	significant	ADJ
bjmsr-2475	226	7	h6	h6	NOUN
bjmsr-2475	226	8	:	:	PUNCT
bjmsr-2475	226	9	trust	trust	NOUN
bjmsr-2475	226	10	in	in	ADP
bjmsr-2475	226	11	financial	financial	ADJ
bjmsr-2475	226	12	institutions	institution	NOUN
bjmsr-2475	226	13	(	(	PUNCT
bjmsr-2475	226	14	tfi	tfi	NOUN
bjmsr-2475	226	15	)	)	PUNCT
bjmsr-2475	226	16	positively	positively	ADV
bjmsr-2475	226	17	influences	influence	VERB
bjmsr-2475	226	18	financial	financial	ADJ
bjmsr-2475	226	19	inclusion	inclusion	NOUN
bjmsr-2475	226	20	(	(	PUNCT
bjmsr-2475	226	21	fi	fi	NOUN
bjmsr-2475	226	22	)	)	PUNCT
bjmsr-2475	226	23	.	.	PUNCT
bjmsr-2475	227	1	-0.143	-0.143	NOUN
bjmsr-2475	227	2	0.151	0.151	NUM
bjmsr-2475	227	3	not	not	PART
bjmsr-2475	227	4	significant	significant	ADJ
bjmsr-2475	227	5	h7	h7	NOUN
bjmsr-2475	227	6	:	:	PUNCT
bjmsr-2475	227	7	user	user	NOUN
bjmsr-2475	227	8	satisfaction	satisfaction	NOUN
bjmsr-2475	227	9	(	(	PUNCT
bjmsr-2475	227	10	us	we	PRON
bjmsr-2475	227	11	)	)	PUNCT
bjmsr-2475	227	12	positively	positively	ADV
bjmsr-2475	227	13	influences	influence	VERB
bjmsr-2475	227	14	financial	financial	ADJ
bjmsr-2475	227	15	inclusion	inclusion	NOUN
bjmsr-2475	227	16	(	(	PUNCT
bjmsr-2475	227	17	fi	fi	NOUN
bjmsr-2475	227	18	)	)	PUNCT
bjmsr-2475	227	19	.	.	PUNCT
bjmsr-2475	228	1	0.318	0.318	NUM
bjmsr-2475	228	2	0.049	0.049	NUM
bjmsr-2475	228	3	*	*	PUNCT
bjmsr-2475	228	4	*	*	PUNCT
bjmsr-2475	228	5	significant	significant	ADJ
bjmsr-2475	228	6	note	note	NOUN
bjmsr-2475	228	7	:	:	PUNCT
bjmsr-2475	228	8	*	*	PUNCT
bjmsr-2475	228	9	,	,	PUNCT
bjmsr-2475	228	10	*	*	PUNCT
bjmsr-2475	228	11	*	*	PUNCT
bjmsr-2475	228	12	,	,	PUNCT
bjmsr-2475	228	13	*	*	PUNCT
bjmsr-2475	228	14	*	*	PUNCT
bjmsr-2475	228	15	*	*	NOUN
bjmsr-2475	228	16	significance	significance	NOUN
bjmsr-2475	228	17	in	in	ADP
bjmsr-2475	228	18	alpha	alpha	NOUN
bjmsr-2475	228	19	10	10	NUM
bjmsr-2475	228	20	%	%	NOUN
bjmsr-2475	228	21	,	,	PUNCT
bjmsr-2475	228	22	5	5	NUM
bjmsr-2475	228	23	%	%	NOUN
bjmsr-2475	228	24	,	,	PUNCT
bjmsr-2475	228	25	1	1	NUM
bjmsr-2475	228	26	%	%	NOUN
bjmsr-2475	228	27	(	(	PUNCT
bjmsr-2475	228	28	respectively	respectively	ADV
bjmsr-2475	228	29	)	)	PUNCT
bjmsr-2475	228	30	source	source	NOUN
bjmsr-2475	228	31	:	:	PUNCT
bjmsr-2475	228	32	author	author	PROPN
bjmsr-2475	228	33	’s	’s	PART
bjmsr-2475	228	34	data	datum	NOUN
bjmsr-2475	228	35	processing	processing	NOUN
bjmsr-2475	228	36	(	(	PUNCT
bjmsr-2475	228	37	2025	2025	NUM
bjmsr-2475	228	38	)	)	PUNCT
bjmsr-2475	228	39	results	result	NOUN
bjmsr-2475	228	40	from	from	ADP
bjmsr-2475	228	41	the	the	DET
bjmsr-2475	228	42	hypothesis	hypothesis	NOUN
bjmsr-2475	228	43	testing	testing	NOUN
bjmsr-2475	228	44	in	in	ADP
bjmsr-2475	228	45	table	table	NOUN
bjmsr-2475	228	46	11	11	NUM
bjmsr-2475	228	47	suggest	suggest	VERB
bjmsr-2475	228	48	that	that	SCONJ
bjmsr-2475	228	49	cryptocurrency	cryptocurrency	NOUN
bjmsr-2475	228	50	adoption	adoption	NOUN
bjmsr-2475	228	51	(	(	PUNCT
bjmsr-2475	228	52	ca	ca	NOUN
bjmsr-2475	228	53	)	)	PUNCT
bjmsr-2475	228	54	has	have	VERB
bjmsr-2475	228	55	a	a	DET
bjmsr-2475	228	56	significantly	significantly	ADV
bjmsr-2475	228	57	positive	positive	ADJ
bjmsr-2475	228	58	effect	effect	NOUN
bjmsr-2475	228	59	on	on	ADP
bjmsr-2475	228	60	financial	financial	ADJ
bjmsr-2475	228	61	inclusion	inclusion	NOUN
bjmsr-2475	228	62	(	(	PUNCT
bjmsr-2475	228	63	fi	fi	NOUN
bjmsr-2475	228	64	)	)	PUNCT
bjmsr-2475	228	65	,	,	PUNCT
bjmsr-2475	228	66	perceived	perceive	VERB
bjmsr-2475	228	67	economic	economic	ADJ
bjmsr-2475	228	68	empowerment	empowerment	NOUN
bjmsr-2475	228	69	(	(	PUNCT
bjmsr-2475	228	70	pee	pee	NOUN
bjmsr-2475	228	71	)	)	PUNCT
bjmsr-2475	228	72	,	,	PUNCT
bjmsr-2475	228	73	and	and	CCONJ
bjmsr-2475	228	74	trust	trust	NOUN
bjmsr-2475	228	75	in	in	ADP
bjmsr-2475	228	76	financial	financial	ADJ
bjmsr-2475	228	77	institutions	institution	NOUN
bjmsr-2475	228	78	(	(	PUNCT
bjmsr-2475	228	79	tfi	tfi	NOUN
bjmsr-2475	228	80	)	)	PUNCT
bjmsr-2475	228	81	.	.	PUNCT
bjmsr-2475	229	1	whereas	whereas	ADV
bjmsr-2475	229	2	,	,	PUNCT
bjmsr-2475	229	3	ca	ca	NOUN
bjmsr-2475	229	4	has	have	VERB
bjmsr-2475	229	5	the	the	DET
bjmsr-2475	229	6	most	most	ADV
bjmsr-2475	229	7	significant	significant	ADJ
bjmsr-2475	229	8	influence	influence	NOUN
bjmsr-2475	229	9	on	on	ADP
bjmsr-2475	229	10	the	the	DET
bjmsr-2475	229	11	user	user	NOUN
bjmsr-2475	229	12	satisfaction	satisfaction	NOUN
bjmsr-2475	229	13	(	(	PUNCT
bjmsr-2475	229	14	us	us	PROPN
bjmsr-2475	229	15	)	)	PUNCT
bjmsr-2475	229	16	.	.	PUNCT
bjmsr-2475	230	1	this	this	DET
bjmsr-2475	230	2	substantial	substantial	ADJ
bjmsr-2475	230	3	impact	impact	NOUN
bjmsr-2475	230	4	on	on	ADP
bjmsr-2475	230	5	user	user	NOUN
bjmsr-2475	230	6	satisfaction	satisfaction	NOUN
bjmsr-2475	230	7	provides	provide	VERB
bjmsr-2475	230	8	robust	robust	ADJ
bjmsr-2475	230	9	support	support	NOUN
bjmsr-2475	230	10	for	for	ADP
bjmsr-2475	230	11	the	the	DET
bjmsr-2475	230	12	unified	unified	ADJ
bjmsr-2475	230	13	theory	theory	NOUN
bjmsr-2475	230	14	of	of	ADP
bjmsr-2475	230	15	acceptance	acceptance	NOUN
bjmsr-2475	230	16	and	and	CCONJ
bjmsr-2475	230	17	use	use	NOUN
bjmsr-2475	230	18	of	of	ADP
bjmsr-2475	230	19	technology	technology	NOUN
bjmsr-2475	230	20	(	(	PUNCT
bjmsr-2475	230	21	utaut	utaut	NOUN
bjmsr-2475	230	22	)	)	PUNCT
bjmsr-2475	230	23	,	,	PUNCT
bjmsr-2475	230	24	which	which	PRON
bjmsr-2475	230	25	posits	posit	VERB
bjmsr-2475	230	26	that	that	SCONJ
bjmsr-2475	230	27	perceived	perceive	VERB
bjmsr-2475	230	28	ease	ease	NOUN
bjmsr-2475	230	29	of	of	ADP
bjmsr-2475	230	30	use	use	NOUN
bjmsr-2475	230	31	and	and	CCONJ
bjmsr-2475	230	32	performance	performance	NOUN
bjmsr-2475	230	33	expectancy	expectancy	NOUN
bjmsr-2475	230	34	are	be	AUX
bjmsr-2475	230	35	core	core	ADJ
bjmsr-2475	230	36	predictors	predictor	NOUN
bjmsr-2475	230	37	of	of	ADP
bjmsr-2475	230	38	technology	technology	NOUN
bjmsr-2475	230	39	adoption	adoption	NOUN
bjmsr-2475	230	40	.	.	PUNCT
bjmsr-2475	231	1	this	this	DET
bjmsr-2475	231	2	finding	finding	NOUN
bjmsr-2475	231	3	is	be	AUX
bjmsr-2475	231	4	in	in	ADP
bjmsr-2475	231	5	line	line	NOUN
bjmsr-2475	231	6	with	with	ADP
bjmsr-2475	231	7	the	the	DET
bjmsr-2475	231	8	study	study	NOUN
bjmsr-2475	231	9	conducted	conduct	VERB
bjmsr-2475	231	10	by	by	ADP
bjmsr-2475	231	11	el	el	PROPN
bjmsr-2475	231	12	hajj	hajj	PROPN
bjmsr-2475	231	13	and	and	CCONJ
bjmsr-2475	231	14	farran	farran	VERB
bjmsr-2475	231	15	2024	2024	NUM
bjmsr-2475	231	16	)	)	PUNCT
bjmsr-2475	231	17	,	,	PUNCT
bjmsr-2475	231	18	which	which	PRON
bjmsr-2475	231	19	demonstrates	demonstrate	VERB
bjmsr-2475	231	20	that	that	SCONJ
bjmsr-2475	231	21	cryptocurrency	cryptocurrency	NOUN
bjmsr-2475	231	22	adoption	adoption	NOUN
bjmsr-2475	231	23	significantly	significantly	ADV
bjmsr-2475	231	24	contributes	contribute	VERB
bjmsr-2475	231	25	to	to	ADP
bjmsr-2475	231	26	user	user	NOUN
bjmsr-2475	231	27	satisfaction	satisfaction	NOUN
bjmsr-2475	231	28	,	,	PUNCT
bjmsr-2475	231	29	trust	trust	NOUN
bjmsr-2475	231	30	in	in	ADP
bjmsr-2475	231	31	financial	financial	ADJ
bjmsr-2475	231	32	systems	system	NOUN
bjmsr-2475	231	33	,	,	PUNCT
bjmsr-2475	231	34	and	and	CCONJ
bjmsr-2475	231	35	economic	economic	ADJ
bjmsr-2475	231	36	empowerment	empowerment	NOUN
bjmsr-2475	231	37	in	in	ADP
bjmsr-2475	231	38	indonesia	indonesia	PROPN
bjmsr-2475	231	39	.	.	PUNCT
bjmsr-2475	232	1	the	the	DET
bjmsr-2475	232	2	authors	author	NOUN
bjmsr-2475	232	3	argue	argue	VERB
bjmsr-2475	232	4	that	that	SCONJ
bjmsr-2475	232	5	these	these	DET
bjmsr-2475	232	6	effects	effect	NOUN
bjmsr-2475	232	7	are	be	AUX
bjmsr-2475	232	8	primarily	primarily	ADV
bjmsr-2475	232	9	driven	drive	VERB
bjmsr-2475	232	10	by	by	ADP
bjmsr-2475	232	11	the	the	DET
bjmsr-2475	232	12	decentralized	decentralized	ADJ
bjmsr-2475	232	13	nature	nature	NOUN
bjmsr-2475	232	14	of	of	ADP
bjmsr-2475	232	15	cryptocurrencies	cryptocurrencie	NOUN
bjmsr-2475	232	16	,	,	PUNCT
bjmsr-2475	232	17	which	which	PRON
bjmsr-2475	232	18	offer	offer	VERB
bjmsr-2475	232	19	users	user	NOUN
bjmsr-2475	232	20	greater	great	ADJ
bjmsr-2475	232	21	control	control	NOUN
bjmsr-2475	232	22	,	,	PUNCT
bjmsr-2475	232	23	reduced	reduce	VERB
bjmsr-2475	232	24	transaction	transaction	NOUN
bjmsr-2475	232	25	costs	cost	NOUN
bjmsr-2475	232	26	,	,	PUNCT
bjmsr-2475	232	27	and	and	CCONJ
bjmsr-2475	232	28	access	access	NOUN
bjmsr-2475	232	29	to	to	ADP
bjmsr-2475	232	30	financial	financial	ADJ
bjmsr-2475	232	31	tools	tool	NOUN
bjmsr-2475	232	32	without	without	ADP
bjmsr-2475	232	33	reliance	reliance	NOUN
bjmsr-2475	232	34	on	on	ADP
bjmsr-2475	232	35	traditional	traditional	ADJ
bjmsr-2475	232	36	banks	bank	NOUN
bjmsr-2475	232	37	.	.	PUNCT
bjmsr-2475	233	1	furthermore	furthermore	ADV
bjmsr-2475	233	2	,	,	PUNCT
bjmsr-2475	233	3	ca	can	AUX
bjmsr-2475	233	4	’s	’s	PART
bjmsr-2475	233	5	limited	limited	ADJ
bjmsr-2475	233	6	impact	impact	NOUN
bjmsr-2475	233	7	on	on	ADP
bjmsr-2475	233	8	ferli	ferli	ADJ
bjmsr-2475	233	9	et	et	PROPN
bjmsr-2475	233	10	al	al	PROPN
bjmsr-2475	233	11	.	.	PROPN
bjmsr-2475	233	12	,	,	PUNCT
bjmsr-2475	233	13	bangladesh	bangladesh	PROPN
bjmsr-2475	233	14	journal	journal	NOUN
bjmsr-2475	233	15	of	of	ADP
bjmsr-2475	233	16	multidisciplinary	multidisciplinary	ADJ
bjmsr-2475	233	17	scientific	scientific	ADJ
bjmsr-2475	233	18	research	research	NOUN
bjmsr-2475	233	19	10(5	10(5	NOUN
bjmsr-2475	233	20	)	)	PUNCT
bjmsr-2475	233	21	(	(	PUNCT
bjmsr-2475	233	22	2025	2025	NUM
bjmsr-2475	233	23	)	)	PUNCT
bjmsr-2475	233	24	,	,	PUNCT
bjmsr-2475	233	25	46	46	NUM
bjmsr-2475	233	26	-	-	SYM
bjmsr-2475	233	27	55	55	NUM
bjmsr-2475	233	28	53	53	NUM
bjmsr-2475	233	29	fi	fi	NOUN
bjmsr-2475	233	30	may	may	AUX
bjmsr-2475	233	31	reflect	reflect	VERB
bjmsr-2475	233	32	the	the	DET
bjmsr-2475	233	33	reality	reality	NOUN
bjmsr-2475	233	34	that	that	SCONJ
bjmsr-2475	233	35	although	although	SCONJ
bjmsr-2475	233	36	crypto	crypto	NOUN
bjmsr-2475	233	37	provides	provide	VERB
bjmsr-2475	233	38	access	access	NOUN
bjmsr-2475	233	39	to	to	ADP
bjmsr-2475	233	40	financial	financial	ADJ
bjmsr-2475	233	41	services	service	NOUN
bjmsr-2475	233	42	,	,	PUNCT
bjmsr-2475	233	43	institutional	institutional	ADJ
bjmsr-2475	233	44	,	,	PUNCT
bjmsr-2475	233	45	regulatory	regulatory	ADJ
bjmsr-2475	233	46	,	,	PUNCT
bjmsr-2475	233	47	and	and	CCONJ
bjmsr-2475	233	48	literacy	literacy	NOUN
bjmsr-2475	233	49	barriers	barrier	NOUN
bjmsr-2475	233	50	still	still	ADV
bjmsr-2475	233	51	hinder	hinder	VERB
bjmsr-2475	233	52	full	full	ADJ
bjmsr-2475	233	53	inclusion	inclusion	NOUN
bjmsr-2475	233	54	.	.	PUNCT
bjmsr-2475	234	1	although	although	SCONJ
bjmsr-2475	234	2	cryptocurrencies	cryptocurrencie	NOUN
bjmsr-2475	234	3	enhance	enhance	VERB
bjmsr-2475	234	4	financial	financial	ADJ
bjmsr-2475	234	5	autonomy	autonomy	NOUN
bjmsr-2475	234	6	and	and	CCONJ
bjmsr-2475	234	7	trust	trust	NOUN
bjmsr-2475	234	8	,	,	PUNCT
bjmsr-2475	234	9	actual	actual	ADJ
bjmsr-2475	234	10	inclusion	inclusion	NOUN
bjmsr-2475	234	11	in	in	ADP
bjmsr-2475	234	12	formal	formal	ADJ
bjmsr-2475	234	13	financial	financial	ADJ
bjmsr-2475	234	14	systems	system	NOUN
bjmsr-2475	234	15	requires	require	VERB
bjmsr-2475	234	16	supportive	supportive	ADJ
bjmsr-2475	234	17	infrastructure	infrastructure	NOUN
bjmsr-2475	234	18	and	and	CCONJ
bjmsr-2475	234	19	digital	digital	ADJ
bjmsr-2475	234	20	literacy	literacy	NOUN
bjmsr-2475	234	21	,	,	PUNCT
bjmsr-2475	234	22	particularly	particularly	ADV
bjmsr-2475	234	23	in	in	ADP
bjmsr-2475	234	24	emerging	emerge	VERB
bjmsr-2475	234	25	economies	economy	NOUN
bjmsr-2475	234	26	.	.	PUNCT
bjmsr-2475	235	1	the	the	DET
bjmsr-2475	235	2	results	result	NOUN
bjmsr-2475	235	3	show	show	VERB
bjmsr-2475	235	4	that	that	SCONJ
bjmsr-2475	235	5	financial	financial	ADJ
bjmsr-2475	235	6	inclusion	inclusion	NOUN
bjmsr-2475	235	7	(	(	PUNCT
bjmsr-2475	235	8	fi	fi	NOUN
bjmsr-2475	235	9	)	)	PUNCT
bjmsr-2475	235	10	is	be	AUX
bjmsr-2475	235	11	not	not	PART
bjmsr-2475	235	12	directly	directly	ADV
bjmsr-2475	235	13	influenced	influence	VERB
bjmsr-2475	235	14	by	by	ADP
bjmsr-2475	235	15	cryptocurrency	cryptocurrency	NOUN
bjmsr-2475	235	16	adoption	adoption	NOUN
bjmsr-2475	235	17	(	(	PUNCT
bjmsr-2475	235	18	ca	ca	NOUN
bjmsr-2475	235	19	)	)	PUNCT
bjmsr-2475	235	20	,	,	PUNCT
bjmsr-2475	235	21	but	but	CCONJ
bjmsr-2475	235	22	is	be	AUX
bjmsr-2475	235	23	positively	positively	ADV
bjmsr-2475	235	24	impacted	impact	VERB
bjmsr-2475	235	25	by	by	ADP
bjmsr-2475	235	26	user	user	NOUN
bjmsr-2475	235	27	satisfaction	satisfaction	NOUN
bjmsr-2475	235	28	(	(	PUNCT
bjmsr-2475	235	29	us	we	PRON
bjmsr-2475	235	30	)	)	PUNCT
bjmsr-2475	235	31	and	and	CCONJ
bjmsr-2475	235	32	,	,	PUNCT
bjmsr-2475	235	33	most	most	ADV
bjmsr-2475	235	34	strongly	strongly	ADV
bjmsr-2475	235	35	,	,	PUNCT
bjmsr-2475	235	36	by	by	ADP
bjmsr-2475	235	37	perceived	perceive	VERB
bjmsr-2475	235	38	economic	economic	ADJ
bjmsr-2475	235	39	empowerment	empowerment	NOUN
bjmsr-2475	235	40	(	(	PUNCT
bjmsr-2475	235	41	pee	pee	NOUN
bjmsr-2475	235	42	)	)	PUNCT
bjmsr-2475	235	43	.	.	PUNCT
bjmsr-2475	236	1	this	this	PRON
bjmsr-2475	236	2	aligns	align	VERB
bjmsr-2475	236	3	with	with	ADP
bjmsr-2475	236	4	el	el	PROPN
bjmsr-2475	236	5	hajj	hajj	PROPN
bjmsr-2475	236	6	and	and	CCONJ
bjmsr-2475	236	7	farran	farran	NOUN
bjmsr-2475	236	8	(	(	PUNCT
bjmsr-2475	236	9	2024	2024	NUM
bjmsr-2475	236	10	)	)	PUNCT
bjmsr-2475	236	11	,	,	PUNCT
bjmsr-2475	236	12	who	who	PRON
bjmsr-2475	236	13	argue	argue	VERB
bjmsr-2475	236	14	that	that	SCONJ
bjmsr-2475	236	15	the	the	DET
bjmsr-2475	236	16	sense	sense	NOUN
bjmsr-2475	236	17	of	of	ADP
bjmsr-2475	236	18	control	control	NOUN
bjmsr-2475	236	19	and	and	CCONJ
bjmsr-2475	236	20	empowerment	empowerment	NOUN
bjmsr-2475	236	21	derived	derive	VERB
bjmsr-2475	236	22	from	from	ADP
bjmsr-2475	236	23	using	use	VERB
bjmsr-2475	236	24	decentralized	decentralize	VERB
bjmsr-2475	236	25	financial	financial	ADJ
bjmsr-2475	236	26	tools	tool	NOUN
bjmsr-2475	236	27	motivates	motivate	VERB
bjmsr-2475	236	28	users	user	NOUN
bjmsr-2475	236	29	to	to	PART
bjmsr-2475	236	30	participate	participate	VERB
bjmsr-2475	236	31	more	more	ADV
bjmsr-2475	236	32	actively	actively	ADV
bjmsr-2475	236	33	in	in	ADP
bjmsr-2475	236	34	financial	financial	ADJ
bjmsr-2475	236	35	systems	system	NOUN
bjmsr-2475	236	36	.	.	PUNCT
bjmsr-2475	237	1	this	this	PRON
bjmsr-2475	237	2	reinforces	reinforce	VERB
bjmsr-2475	237	3	the	the	DET
bjmsr-2475	237	4	core	core	ADJ
bjmsr-2475	237	5	argument	argument	NOUN
bjmsr-2475	237	6	of	of	ADP
bjmsr-2475	237	7	this	this	DET
bjmsr-2475	237	8	study	study	NOUN
bjmsr-2475	237	9	:	:	PUNCT
bjmsr-2475	237	10	the	the	DET
bjmsr-2475	237	11	pathway	pathway	NOUN
bjmsr-2475	237	12	to	to	ADP
bjmsr-2475	237	13	financial	financial	ADJ
bjmsr-2475	237	14	inclusion	inclusion	NOUN
bjmsr-2475	237	15	in	in	ADP
bjmsr-2475	237	16	indonesia	indonesia	PROPN
bjmsr-2475	237	17	via	via	ADP
bjmsr-2475	237	18	cryptocurrency	cryptocurrency	NOUN
bjmsr-2475	237	19	is	be	AUX
bjmsr-2475	237	20	indirect	indirect	ADJ
bjmsr-2475	237	21	.	.	PUNCT
bjmsr-2475	238	1	as	as	ADP
bjmsr-2475	238	2	el	el	PROPN
bjmsr-2475	238	3	hajj	hajj	PROPN
bjmsr-2475	238	4	and	and	CCONJ
bjmsr-2475	238	5	farran	farran	NOUN
bjmsr-2475	238	6	(	(	PUNCT
bjmsr-2475	238	7	2024	2024	NUM
bjmsr-2475	238	8	)	)	PUNCT
bjmsr-2475	238	9	and	and	CCONJ
bjmsr-2475	238	10	mabrouk	mabrouk	INTJ
bjmsr-2475	238	11	et	et	PROPN
bjmsr-2475	238	12	al	al	PROPN
bjmsr-2475	238	13	.	.	PROPN
bjmsr-2475	239	1	(	(	PUNCT
bjmsr-2475	239	2	2023	2023	NUM
bjmsr-2475	239	3	)	)	PUNCT
bjmsr-2475	239	4	note	note	NOUN
bjmsr-2475	239	5	,	,	PUNCT
bjmsr-2475	239	6	it	it	PRON
bjmsr-2475	239	7	is	be	AUX
bjmsr-2475	239	8	not	not	PART
bjmsr-2475	239	9	merely	merely	ADV
bjmsr-2475	239	10	about	about	ADP
bjmsr-2475	239	11	access	access	NOUN
bjmsr-2475	239	12	to	to	ADP
bjmsr-2475	239	13	digital	digital	ADJ
bjmsr-2475	239	14	platforms	platform	NOUN
bjmsr-2475	239	15	,	,	PUNCT
bjmsr-2475	239	16	but	but	CCONJ
bjmsr-2475	239	17	the	the	DET
bjmsr-2475	239	18	psychological	psychological	ADJ
bjmsr-2475	239	19	and	and	CCONJ
bjmsr-2475	239	20	experiential	experiential	ADJ
bjmsr-2475	239	21	outcomes	outcome	NOUN
bjmsr-2475	239	22	such	such	ADJ
bjmsr-2475	239	23	as	as	ADP
bjmsr-2475	239	24	perceived	perceive	VERB
bjmsr-2475	239	25	empowerment	empowerment	NOUN
bjmsr-2475	239	26	and	and	CCONJ
bjmsr-2475	239	27	user	user	NOUN
bjmsr-2475	239	28	satisfaction	satisfaction	NOUN
bjmsr-2475	239	29	that	that	PRON
bjmsr-2475	239	30	significantly	significantly	ADV
bjmsr-2475	239	31	influence	influence	VERB
bjmsr-2475	239	32	financial	financial	ADJ
bjmsr-2475	239	33	behavior	behavior	NOUN
bjmsr-2475	239	34	and	and	CCONJ
bjmsr-2475	239	35	inclusion	inclusion	NOUN
bjmsr-2475	239	36	outcomes	outcome	NOUN
bjmsr-2475	239	37	.	.	PUNCT
bjmsr-2475	240	1	table	table	NOUN
bjmsr-2475	240	2	12	12	NUM
bjmsr-2475	240	3	.	.	PUNCT
bjmsr-2475	241	1	indirect	indirect	ADJ
bjmsr-2475	241	2	effect	effect	NOUN
bjmsr-2475	241	3	testing	test	VERB
bjmsr-2475	241	4	original	original	ADJ
bjmsr-2475	241	5	sample	sample	NOUN
bjmsr-2475	241	6	(	(	PUNCT
bjmsr-2475	241	7	o	o	NOUN
bjmsr-2475	241	8	)	)	PUNCT
bjmsr-2475	241	9	sample	sample	NOUN
bjmsr-2475	241	10	mean	mean	NOUN
bjmsr-2475	241	11	(	(	PUNCT
bjmsr-2475	241	12	m	m	NOUN
bjmsr-2475	241	13	)	)	PUNCT
bjmsr-2475	241	14	standard	standard	ADJ
bjmsr-2475	241	15	deviation	deviation	NOUN
bjmsr-2475	241	16	(	(	PUNCT
bjmsr-2475	241	17	stdev	stdev	NOUN
bjmsr-2475	241	18	)	)	PUNCT
bjmsr-2475	241	19	t	t	PROPN
bjmsr-2475	241	20	statistics	statistic	NOUN
bjmsr-2475	241	21	(	(	PUNCT
bjmsr-2475	241	22	|o	|o	NOUN
bjmsr-2475	241	23	/	/	SYM
bjmsr-2475	241	24	stdev|	stdev|	NOUN
bjmsr-2475	241	25	)	)	PUNCT
bjmsr-2475	241	26	p	p	NOUN
bjmsr-2475	241	27	values	value	NOUN
bjmsr-2475	242	1	ca	can	AUX
bjmsr-2475	242	2	-	-	PUNCT
bjmsr-2475	242	3	>	>	X
bjmsr-2475	242	4	pee	pee	NOUN
bjmsr-2475	242	5	-	-	PUNCT
bjmsr-2475	242	6	>	>	X
bjmsr-2475	242	7	fi	fi	NOUN
bjmsr-2475	242	8	0.556	0.556	NUM
bjmsr-2475	242	9	0.547	0.547	NUM
bjmsr-2475	242	10	0.086	0.086	NUM
bjmsr-2475	242	11	6.44	6.44	NUM
bjmsr-2475	242	12	0	0	NUM
bjmsr-2475	242	13	*	*	PUNCT
bjmsr-2475	242	14	*	*	PUNCT
bjmsr-2475	242	15	*	*	PUNCT
bjmsr-2475	242	16	ca	can	AUX
bjmsr-2475	242	17	-	-	PUNCT
bjmsr-2475	242	18	>	>	X
bjmsr-2475	242	19	tfi	tfi	X
bjmsr-2475	242	20	-	-	PUNCT
bjmsr-2475	242	21	>	>	X
bjmsr-2475	242	22	fi	fi	NOUN
bjmsr-2475	242	23	-0.105	-0.105	NOUN
bjmsr-2475	242	24	-0.099	-0.099	PUNCT
bjmsr-2475	242	25	0.072	0.072	NUM
bjmsr-2475	242	26	1.457	1.457	NUM
bjmsr-2475	242	27	0.145	0.145	NUM
bjmsr-2475	242	28	ca	ca	NOUN
bjmsr-2475	242	29	-	-	PUNCT
bjmsr-2475	242	30	>	>	X
bjmsr-2475	242	31	us	us	PROPN
bjmsr-2475	242	32	-	-	PUNCT
bjmsr-2475	242	33	>	>	X
bjmsr-2475	242	34	fi	fi	NOUN
bjmsr-2475	242	35	0.282	0.282	NUM
bjmsr-2475	242	36	0.293	0.293	NUM
bjmsr-2475	242	37	0.143	0.143	NUM
bjmsr-2475	242	38	1.969	1.969	NUM
bjmsr-2475	242	39	0.049	0.049	NUM
bjmsr-2475	242	40	*	*	PUNCT
bjmsr-2475	242	41	*	*	PUNCT
bjmsr-2475	242	42	note	note	NOUN
bjmsr-2475	242	43	:	:	PUNCT
bjmsr-2475	242	44	*	*	PUNCT
bjmsr-2475	242	45	,	,	PUNCT
bjmsr-2475	242	46	*	*	PUNCT
bjmsr-2475	242	47	*	*	PUNCT
bjmsr-2475	242	48	,	,	PUNCT
bjmsr-2475	242	49	*	*	PUNCT
bjmsr-2475	242	50	*	*	PUNCT
bjmsr-2475	242	51	*	*	NOUN
bjmsr-2475	242	52	significance	significance	NOUN
bjmsr-2475	242	53	in	in	ADP
bjmsr-2475	242	54	alpha	alpha	NOUN
bjmsr-2475	242	55	10	10	NUM
bjmsr-2475	242	56	%	%	NOUN
bjmsr-2475	242	57	,	,	PUNCT
bjmsr-2475	242	58	5	5	NUM
bjmsr-2475	242	59	%	%	NOUN
bjmsr-2475	242	60	,	,	PUNCT
bjmsr-2475	242	61	1	1	NUM
bjmsr-2475	242	62	%	%	NOUN
bjmsr-2475	242	63	(	(	PUNCT
bjmsr-2475	242	64	respectively	respectively	ADV
bjmsr-2475	242	65	)	)	PUNCT
bjmsr-2475	242	66	source	source	NOUN
bjmsr-2475	242	67	:	:	PUNCT
bjmsr-2475	242	68	author	author	PROPN
bjmsr-2475	242	69	’s	’s	PART
bjmsr-2475	242	70	data	datum	NOUN
bjmsr-2475	242	71	processing	processing	NOUN
bjmsr-2475	242	72	(	(	PUNCT
bjmsr-2475	242	73	2025	2025	NUM
bjmsr-2475	242	74	)	)	PUNCT
bjmsr-2475	242	75	the	the	DET
bjmsr-2475	242	76	indirect	indirect	ADJ
bjmsr-2475	242	77	effect	effect	NOUN
bjmsr-2475	242	78	test	test	NOUN
bjmsr-2475	242	79	results	result	NOUN
bjmsr-2475	242	80	in	in	ADP
bjmsr-2475	242	81	table	table	NOUN
bjmsr-2475	242	82	12	12	NUM
bjmsr-2475	242	83	show	show	NOUN
bjmsr-2475	242	84	that	that	SCONJ
bjmsr-2475	242	85	cryptocurrency	cryptocurrency	NOUN
bjmsr-2475	242	86	adoption	adoption	NOUN
bjmsr-2475	242	87	has	have	VERB
bjmsr-2475	242	88	a	a	DET
bjmsr-2475	242	89	significant	significant	ADJ
bjmsr-2475	242	90	indirect	indirect	ADJ
bjmsr-2475	242	91	effect	effect	NOUN
bjmsr-2475	242	92	on	on	ADP
bjmsr-2475	242	93	financial	financial	ADJ
bjmsr-2475	242	94	inclusion	inclusion	NOUN
bjmsr-2475	242	95	through	through	ADP
bjmsr-2475	242	96	the	the	DET
bjmsr-2475	242	97	mediation	mediation	NOUN
bjmsr-2475	242	98	of	of	ADP
bjmsr-2475	242	99	perceived	perceive	VERB
bjmsr-2475	242	100	economic	economic	ADJ
bjmsr-2475	242	101	empowerment	empowerment	NOUN
bjmsr-2475	242	102	and	and	CCONJ
bjmsr-2475	242	103	user	user	NOUN
bjmsr-2475	242	104	satisfaction	satisfaction	NOUN
bjmsr-2475	242	105	.	.	PUNCT
bjmsr-2475	243	1	this	this	DET
bjmsr-2475	243	2	finding	finding	NOUN
bjmsr-2475	243	3	indicates	indicate	VERB
bjmsr-2475	243	4	that	that	SCONJ
bjmsr-2475	243	5	when	when	SCONJ
bjmsr-2475	243	6	individuals	individual	NOUN
bjmsr-2475	243	7	feel	feel	VERB
bjmsr-2475	243	8	more	more	ADV
bjmsr-2475	243	9	economically	economically	ADV
bjmsr-2475	243	10	empowered	empower	VERB
bjmsr-2475	243	11	as	as	ADP
bjmsr-2475	243	12	a	a	DET
bjmsr-2475	243	13	result	result	NOUN
bjmsr-2475	243	14	of	of	ADP
bjmsr-2475	243	15	using	use	VERB
bjmsr-2475	243	16	digital	digital	ADJ
bjmsr-2475	243	17	currencies	currency	NOUN
bjmsr-2475	243	18	,	,	PUNCT
bjmsr-2475	243	19	they	they	PRON
bjmsr-2475	243	20	are	be	AUX
bjmsr-2475	243	21	more	more	ADV
bjmsr-2475	243	22	likely	likely	ADJ
bjmsr-2475	243	23	to	to	PART
bjmsr-2475	243	24	engage	engage	VERB
bjmsr-2475	243	25	in	in	ADP
bjmsr-2475	243	26	the	the	DET
bjmsr-2475	243	27	formal	formal	ADJ
bjmsr-2475	243	28	financial	financial	ADJ
bjmsr-2475	243	29	system	system	NOUN
bjmsr-2475	243	30	actively	actively	ADV
bjmsr-2475	243	31	.	.	PUNCT
bjmsr-2475	244	1	in	in	ADP
bjmsr-2475	244	2	addition	addition	NOUN
bjmsr-2475	244	3	,	,	PUNCT
bjmsr-2475	244	4	user	user	NOUN
bjmsr-2475	244	5	satisfaction	satisfaction	NOUN
bjmsr-2475	244	6	with	with	ADP
bjmsr-2475	244	7	the	the	DET
bjmsr-2475	244	8	cryptocurrency	cryptocurrency	NOUN
bjmsr-2475	244	9	platform	platform	NOUN
bjmsr-2475	244	10	also	also	ADV
bjmsr-2475	244	11	plays	play	VERB
bjmsr-2475	244	12	an	an	DET
bjmsr-2475	244	13	important	important	ADJ
bjmsr-2475	244	14	role	role	NOUN
bjmsr-2475	244	15	in	in	ADP
bjmsr-2475	244	16	driving	drive	VERB
bjmsr-2475	244	17	financial	financial	ADJ
bjmsr-2475	244	18	engagement	engagement	NOUN
bjmsr-2475	244	19	,	,	PUNCT
bjmsr-2475	244	20	reflecting	reflect	VERB
bjmsr-2475	244	21	that	that	SCONJ
bjmsr-2475	244	22	positive	positive	ADJ
bjmsr-2475	244	23	experiences	experience	NOUN
bjmsr-2475	244	24	in	in	ADP
bjmsr-2475	244	25	using	use	VERB
bjmsr-2475	244	26	digital	digital	ADJ
bjmsr-2475	244	27	technologies	technology	NOUN
bjmsr-2475	244	28	can	can	AUX
bjmsr-2475	244	29	increase	increase	VERB
bjmsr-2475	244	30	interest	interest	NOUN
bjmsr-2475	244	31	and	and	CCONJ
bjmsr-2475	244	32	trust	trust	NOUN
bjmsr-2475	244	33	in	in	ADP
bjmsr-2475	244	34	financial	financial	ADJ
bjmsr-2475	244	35	services	service	NOUN
bjmsr-2475	244	36	.	.	PUNCT
bjmsr-2475	245	1	in	in	ADP
bjmsr-2475	245	2	contrast	contrast	NOUN
bjmsr-2475	245	3	,	,	PUNCT
bjmsr-2475	245	4	the	the	DET
bjmsr-2475	245	5	pathway	pathway	NOUN
bjmsr-2475	245	6	involving	involve	VERB
bjmsr-2475	245	7	trust	trust	NOUN
bjmsr-2475	245	8	in	in	ADP
bjmsr-2475	245	9	financial	financial	ADJ
bjmsr-2475	245	10	institutions	institution	NOUN
bjmsr-2475	245	11	did	do	AUX
bjmsr-2475	245	12	not	not	PART
bjmsr-2475	245	13	show	show	VERB
bjmsr-2475	245	14	a	a	DET
bjmsr-2475	245	15	significant	significant	ADJ
bjmsr-2475	245	16	effect	effect	NOUN
bjmsr-2475	245	17	and	and	CCONJ
bjmsr-2475	245	18	is	be	AUX
bjmsr-2475	245	19	therefore	therefore	ADV
bjmsr-2475	245	20	not	not	PART
bjmsr-2475	245	21	the	the	DET
bjmsr-2475	245	22	focus	focus	NOUN
bjmsr-2475	245	23	of	of	ADP
bjmsr-2475	245	24	further	further	ADJ
bjmsr-2475	245	25	discussion	discussion	NOUN
bjmsr-2475	245	26	.	.	PUNCT
bjmsr-2475	246	1	the	the	DET
bjmsr-2475	246	2	results	result	NOUN
bjmsr-2475	246	3	align	align	VERB
bjmsr-2475	246	4	with	with	ADP
bjmsr-2475	246	5	recent	recent	ADJ
bjmsr-2475	246	6	empirical	empirical	ADJ
bjmsr-2475	246	7	findings	finding	NOUN
bjmsr-2475	246	8	from	from	ADP
bjmsr-2475	246	9	el	el	PROPN
bjmsr-2475	246	10	hajj	hajj	PROPN
bjmsr-2475	246	11	and	and	CCONJ
bjmsr-2475	246	12	farran	farran	NOUN
bjmsr-2475	246	13	(	(	PUNCT
bjmsr-2475	246	14	2024	2024	NUM
bjmsr-2475	246	15	)	)	PUNCT
bjmsr-2475	246	16	,	,	PUNCT
bjmsr-2475	246	17	which	which	PRON
bjmsr-2475	246	18	revealed	reveal	VERB
bjmsr-2475	246	19	that	that	SCONJ
bjmsr-2475	246	20	while	while	SCONJ
bjmsr-2475	246	21	perceived	perceive	VERB
bjmsr-2475	246	22	economic	economic	ADJ
bjmsr-2475	246	23	empowerment	empowerment	NOUN
bjmsr-2475	246	24	and	and	CCONJ
bjmsr-2475	246	25	user	user	NOUN
bjmsr-2475	246	26	satisfaction	satisfaction	NOUN
bjmsr-2475	246	27	significantly	significantly	ADV
bjmsr-2475	246	28	mediate	mediate	VERB
bjmsr-2475	246	29	the	the	DET
bjmsr-2475	246	30	relationship	relationship	NOUN
bjmsr-2475	246	31	between	between	ADP
bjmsr-2475	246	32	cryptocurrency	cryptocurrency	NOUN
bjmsr-2475	246	33	adoption	adoption	NOUN
bjmsr-2475	246	34	and	and	CCONJ
bjmsr-2475	246	35	financial	financial	ADJ
bjmsr-2475	246	36	inclusion	inclusion	NOUN
bjmsr-2475	246	37	,	,	PUNCT
bjmsr-2475	246	38	trust	trust	NOUN
bjmsr-2475	246	39	in	in	ADP
bjmsr-2475	246	40	financial	financial	ADJ
bjmsr-2475	246	41	institutions	institution	NOUN
bjmsr-2475	246	42	does	do	AUX
bjmsr-2475	246	43	not	not	PART
bjmsr-2475	246	44	exhibit	exhibit	VERB
bjmsr-2475	246	45	a	a	DET
bjmsr-2475	246	46	meaningful	meaningful	ADJ
bjmsr-2475	246	47	mediating	mediate	VERB
bjmsr-2475	246	48	role	role	NOUN
bjmsr-2475	246	49	.	.	PUNCT
bjmsr-2475	247	1	similar	similar	ADJ
bjmsr-2475	247	2	observations	observation	NOUN
bjmsr-2475	247	3	were	be	AUX
bjmsr-2475	247	4	made	make	VERB
bjmsr-2475	247	5	by	by	ADP
bjmsr-2475	247	6	garcía	garcía	ADJ
bjmsr-2475	247	7	-	-	PUNCT
bjmsr-2475	247	8	monleón	monleón	NOUN
bjmsr-2475	247	9	et	et	PROPN
bjmsr-2475	247	10	al	al	PROPN
bjmsr-2475	247	11	.	.	PROPN
bjmsr-2475	248	1	(	(	PUNCT
bjmsr-2475	248	2	2023	2023	NUM
bjmsr-2475	248	3	)	)	PUNCT
bjmsr-2475	248	4	,	,	PUNCT
bjmsr-2475	248	5	who	who	PRON
bjmsr-2475	248	6	emphasized	emphasize	VERB
bjmsr-2475	248	7	user	user	NOUN
bjmsr-2475	248	8	satisfaction	satisfaction	NOUN
bjmsr-2475	248	9	as	as	ADP
bjmsr-2475	248	10	a	a	DET
bjmsr-2475	248	11	crucial	crucial	ADJ
bjmsr-2475	248	12	driver	driver	NOUN
bjmsr-2475	248	13	of	of	ADP
bjmsr-2475	248	14	sustained	sustained	ADJ
bjmsr-2475	248	15	crypto	crypto	NOUN
bjmsr-2475	248	16	engagement	engagement	NOUN
bjmsr-2475	248	17	,	,	PUNCT
bjmsr-2475	248	18	and	and	CCONJ
bjmsr-2475	248	19	by	by	ADP
bjmsr-2475	248	20	mabrouk	mabrouk	PROPN
bjmsr-2475	248	21	et	et	PROPN
bjmsr-2475	248	22	al	al	PROPN
bjmsr-2475	248	23	.	.	PROPN
bjmsr-2475	249	1	(	(	PUNCT
bjmsr-2475	249	2	2023	2023	NUM
bjmsr-2475	249	3	)	)	PUNCT
bjmsr-2475	249	4	,	,	PUNCT
bjmsr-2475	249	5	who	who	PRON
bjmsr-2475	249	6	highlighted	highlight	VERB
bjmsr-2475	249	7	empowerment	empowerment	NOUN
bjmsr-2475	249	8	as	as	ADP
bjmsr-2475	249	9	a	a	DET
bjmsr-2475	249	10	pivotal	pivotal	ADJ
bjmsr-2475	249	11	pathway	pathway	NOUN
bjmsr-2475	249	12	for	for	ADP
bjmsr-2475	249	13	financial	financial	ADJ
bjmsr-2475	249	14	inclusion	inclusion	NOUN
bjmsr-2475	249	15	.	.	PUNCT
bjmsr-2475	250	1	the	the	DET
bjmsr-2475	250	2	results	result	NOUN
bjmsr-2475	250	3	show	show	VERB
bjmsr-2475	250	4	that	that	SCONJ
bjmsr-2475	250	5	cryptocurrency	cryptocurrency	NOUN
bjmsr-2475	250	6	adoption	adoption	NOUN
bjmsr-2475	250	7	can	can	AUX
bjmsr-2475	250	8	positively	positively	ADV
bjmsr-2475	250	9	influence	influence	VERB
bjmsr-2475	250	10	financial	financial	ADJ
bjmsr-2475	250	11	inclusion	inclusion	NOUN
bjmsr-2475	250	12	if	if	SCONJ
bjmsr-2475	250	13	supported	support	VERB
bjmsr-2475	250	14	by	by	ADP
bjmsr-2475	250	15	perceived	perceive	VERB
bjmsr-2475	250	16	economic	economic	ADJ
bjmsr-2475	250	17	empowerment	empowerment	NOUN
bjmsr-2475	250	18	,	,	PUNCT
bjmsr-2475	250	19	which	which	PRON
bjmsr-2475	250	20	explains	explain	VERB
bjmsr-2475	250	21	that	that	SCONJ
bjmsr-2475	250	22	the	the	DET
bjmsr-2475	250	23	effectiveness	effectiveness	NOUN
bjmsr-2475	250	24	of	of	ADP
bjmsr-2475	250	25	digital	digital	ADJ
bjmsr-2475	250	26	financial	financial	ADJ
bjmsr-2475	250	27	innovations	innovation	NOUN
bjmsr-2475	250	28	in	in	ADP
bjmsr-2475	250	29	promoting	promote	VERB
bjmsr-2475	250	30	inclusion	inclusion	NOUN
bjmsr-2475	250	31	depends	depend	VERB
bjmsr-2475	250	32	largely	largely	ADV
bjmsr-2475	250	33	on	on	ADP
bjmsr-2475	250	34	individuals	individual	NOUN
bjmsr-2475	250	35	'	'	PART
bjmsr-2475	250	36	sense	sense	NOUN
bjmsr-2475	250	37	of	of	ADP
bjmsr-2475	250	38	economic	economic	ADJ
bjmsr-2475	250	39	agency	agency	NOUN
bjmsr-2475	250	40	and	and	CCONJ
bjmsr-2475	250	41	control	control	NOUN
bjmsr-2475	250	42	,	,	PUNCT
bjmsr-2475	250	43	particularly	particularly	ADV
bjmsr-2475	250	44	in	in	ADP
bjmsr-2475	250	45	emerging	emerge	VERB
bjmsr-2475	250	46	economies	economy	NOUN
bjmsr-2475	250	47	.	.	PUNCT
bjmsr-2475	251	1	this	this	DET
bjmsr-2475	251	2	finding	finding	NOUN
bjmsr-2475	251	3	also	also	ADV
bjmsr-2475	251	4	highlights	highlight	VERB
bjmsr-2475	251	5	the	the	DET
bjmsr-2475	251	6	importance	importance	NOUN
bjmsr-2475	251	7	of	of	ADP
bjmsr-2475	251	8	user	user	NOUN
bjmsr-2475	251	9	trust	trust	NOUN
bjmsr-2475	251	10	and	and	CCONJ
bjmsr-2475	251	11	satisfaction	satisfaction	NOUN
bjmsr-2475	251	12	,	,	PUNCT
bjmsr-2475	251	13	which	which	PRON
bjmsr-2475	251	14	could	could	AUX
bjmsr-2475	251	15	be	be	AUX
bjmsr-2475	251	16	a	a	DET
bjmsr-2475	251	17	concern	concern	NOUN
bjmsr-2475	251	18	in	in	ADP
bjmsr-2475	251	19	policies	policy	NOUN
bjmsr-2475	251	20	or	or	CCONJ
bjmsr-2475	251	21	strategies	strategy	NOUN
bjmsr-2475	251	22	to	to	PART
bjmsr-2475	251	23	strengthen	strengthen	VERB
bjmsr-2475	251	24	trust	trust	NOUN
bjmsr-2475	251	25	in	in	ADP
bjmsr-2475	251	26	financial	financial	ADJ
bjmsr-2475	251	27	institutions	institution	NOUN
bjmsr-2475	251	28	.	.	PUNCT
bjmsr-2475	252	1	overall	overall	ADV
bjmsr-2475	252	2	,	,	PUNCT
bjmsr-2475	252	3	the	the	DET
bjmsr-2475	252	4	data	datum	NOUN
bjmsr-2475	252	5	suggest	suggest	VERB
bjmsr-2475	252	6	a	a	DET
bjmsr-2475	252	7	meaningful	meaningful	ADJ
bjmsr-2475	252	8	and	and	CCONJ
bjmsr-2475	252	9	valid	valid	ADJ
bjmsr-2475	252	10	mediation	mediation	NOUN
bjmsr-2475	252	11	relationship	relationship	NOUN
bjmsr-2475	252	12	in	in	ADP
bjmsr-2475	252	13	the	the	DET
bjmsr-2475	252	14	context	context	NOUN
bjmsr-2475	252	15	of	of	ADP
bjmsr-2475	252	16	this	this	DET
bjmsr-2475	252	17	model	model	NOUN
bjmsr-2475	252	18	.	.	PUNCT
bjmsr-2475	253	1	however	however	ADV
bjmsr-2475	253	2	,	,	PUNCT
bjmsr-2475	253	3	this	this	DET
bjmsr-2475	253	4	study	study	NOUN
bjmsr-2475	253	5	also	also	ADV
bjmsr-2475	253	6	presents	present	VERB
bjmsr-2475	253	7	nuanced	nuanced	ADJ
bjmsr-2475	253	8	findings	finding	NOUN
bjmsr-2475	253	9	that	that	PRON
bjmsr-2475	253	10	diverge	diverge	VERB
bjmsr-2475	253	11	from	from	ADP
bjmsr-2475	253	12	existing	exist	VERB
bjmsr-2475	253	13	literature	literature	NOUN
bjmsr-2475	253	14	.	.	PUNCT
bjmsr-2475	254	1	an	an	DET
bjmsr-2475	254	2	exciting	exciting	ADJ
bjmsr-2475	254	3	result	result	NOUN
bjmsr-2475	254	4	is	be	AUX
bjmsr-2475	254	5	that	that	PRON
bjmsr-2475	254	6	trust	trust	NOUN
bjmsr-2475	254	7	in	in	ADP
bjmsr-2475	254	8	financial	financial	ADJ
bjmsr-2475	254	9	institutions	institution	NOUN
bjmsr-2475	254	10	(	(	PUNCT
bjmsr-2475	254	11	tfi	tfi	NOUN
bjmsr-2475	254	12	)	)	PUNCT
bjmsr-2475	254	13	does	do	AUX
bjmsr-2475	254	14	not	not	PART
bjmsr-2475	254	15	function	function	VERB
bjmsr-2475	254	16	as	as	ADP
bjmsr-2475	254	17	a	a	DET
bjmsr-2475	254	18	significant	significant	ADJ
bjmsr-2475	254	19	mediator	mediator	NOUN
bjmsr-2475	254	20	between	between	ADP
bjmsr-2475	254	21	ca	ca	NOUN
bjmsr-2475	254	22	and	and	CCONJ
bjmsr-2475	254	23	fi	fi	NOUN
bjmsr-2475	254	24	.	.	PUNCT
bjmsr-2475	255	1	this	this	PRON
bjmsr-2475	255	2	stands	stand	VERB
bjmsr-2475	255	3	in	in	ADP
bjmsr-2475	255	4	contrast	contrast	NOUN
bjmsr-2475	255	5	to	to	ADP
bjmsr-2475	255	6	literature	literature	NOUN
bjmsr-2475	255	7	such	such	ADJ
bjmsr-2475	255	8	as	as	ADP
bjmsr-2475	255	9	abbasi	abbasi	PROPN
bjmsr-2475	255	10	et	et	PROPN
bjmsr-2475	255	11	al	al	PROPN
bjmsr-2475	255	12	.	.	PROPN
bjmsr-2475	256	1	(	(	PUNCT
bjmsr-2475	256	2	2021	2021	NUM
bjmsr-2475	256	3	)	)	PUNCT
bjmsr-2475	256	4	,	,	PUNCT
bjmsr-2475	256	5	which	which	PRON
bjmsr-2475	256	6	emphasizes	emphasize	VERB
bjmsr-2475	256	7	the	the	DET
bjmsr-2475	256	8	crucial	crucial	ADJ
bjmsr-2475	256	9	role	role	NOUN
bjmsr-2475	256	10	of	of	ADP
bjmsr-2475	256	11	investor	investor	NOUN
bjmsr-2475	256	12	trust	trust	NOUN
bjmsr-2475	256	13	in	in	ADP
bjmsr-2475	256	14	driving	drive	VERB
bjmsr-2475	256	15	the	the	DET
bjmsr-2475	256	16	intention	intention	NOUN
bjmsr-2475	256	17	to	to	PART
bjmsr-2475	256	18	adopt	adopt	VERB
bjmsr-2475	256	19	cryptocurrencies	cryptocurrencie	NOUN
bjmsr-2475	256	20	.	.	PUNCT
bjmsr-2475	257	1	this	this	DET
bjmsr-2475	257	2	divergence	divergence	NOUN
bjmsr-2475	257	3	may	may	AUX
bjmsr-2475	257	4	indicate	indicate	VERB
bjmsr-2475	257	5	that	that	SCONJ
bjmsr-2475	257	6	within	within	ADP
bjmsr-2475	257	7	the	the	DET
bjmsr-2475	257	8	indonesian	indonesian	ADJ
bjmsr-2475	257	9	context	context	NOUN
bjmsr-2475	257	10	,	,	PUNCT
bjmsr-2475	257	11	the	the	DET
bjmsr-2475	257	12	tangible	tangible	ADJ
bjmsr-2475	257	13	benefits	benefit	NOUN
bjmsr-2475	257	14	of	of	ADP
bjmsr-2475	257	15	personal	personal	ADJ
bjmsr-2475	257	16	economic	economic	ADJ
bjmsr-2475	257	17	empowerment	empowerment	NOUN
bjmsr-2475	257	18	and	and	CCONJ
bjmsr-2475	257	19	a	a	DET
bjmsr-2475	257	20	positive	positive	ADJ
bjmsr-2475	257	21	user	user	NOUN
bjmsr-2475	257	22	experience	experience	NOUN
bjmsr-2475	257	23	are	be	AUX
bjmsr-2475	257	24	more	more	ADV
bjmsr-2475	257	25	potent	potent	ADJ
bjmsr-2475	257	26	drivers	driver	NOUN
bjmsr-2475	257	27	of	of	ADP
bjmsr-2475	257	28	financial	financial	ADJ
bjmsr-2475	257	29	engagement	engagement	NOUN
bjmsr-2475	257	30	than	than	ADP
bjmsr-2475	257	31	trust	trust	NOUN
bjmsr-2475	257	32	in	in	ADP
bjmsr-2475	257	33	formal	formal	ADJ
bjmsr-2475	257	34	institutions	institution	NOUN
bjmsr-2475	257	35	alone	alone	ADV
bjmsr-2475	257	36	.	.	PUNCT
bjmsr-2475	258	1	this	this	PRON
bjmsr-2475	258	2	suggests	suggest	VERB
bjmsr-2475	258	3	that	that	SCONJ
bjmsr-2475	258	4	greater	great	ADJ
bjmsr-2475	258	5	adoption	adoption	NOUN
bjmsr-2475	258	6	of	of	ADP
bjmsr-2475	258	7	cryptocurrency	cryptocurrency	NOUN
bjmsr-2475	258	8	is	be	AUX
bjmsr-2475	258	9	associated	associate	VERB
bjmsr-2475	258	10	with	with	ADP
bjmsr-2475	258	11	improved	improved	ADJ
bjmsr-2475	258	12	access	access	NOUN
bjmsr-2475	258	13	to	to	ADP
bjmsr-2475	258	14	financial	financial	ADJ
bjmsr-2475	258	15	services	service	NOUN
bjmsr-2475	258	16	in	in	ADP
bjmsr-2475	258	17	indonesia	indonesia	PROPN
bjmsr-2475	258	18	,	,	PUNCT
bjmsr-2475	258	19	which	which	PRON
bjmsr-2475	258	20	potentially	potentially	ADV
bjmsr-2475	258	21	addresses	address	VERB
bjmsr-2475	258	22	barriers	barrier	NOUN
bjmsr-2475	258	23	faced	face	VERB
bjmsr-2475	258	24	by	by	ADP
bjmsr-2475	258	25	unbanked	unbanked	ADJ
bjmsr-2475	258	26	populations	population	NOUN
bjmsr-2475	258	27	.	.	PUNCT
bjmsr-2475	259	1	conclusions	conclusion	NOUN
bjmsr-2475	259	2	this	this	DET
bjmsr-2475	259	3	study	study	NOUN
bjmsr-2475	259	4	finds	find	VERB
bjmsr-2475	259	5	that	that	SCONJ
bjmsr-2475	259	6	cryptocurrency	cryptocurrency	NOUN
bjmsr-2475	259	7	adoption	adoption	NOUN
bjmsr-2475	259	8	(	(	PUNCT
bjmsr-2475	259	9	ca	ca	NOUN
bjmsr-2475	259	10	)	)	PUNCT
bjmsr-2475	259	11	significantly	significantly	ADV
bjmsr-2475	259	12	and	and	CCONJ
bjmsr-2475	259	13	positively	positively	ADV
bjmsr-2475	259	14	influences	influence	NOUN
bjmsr-2475	259	15	perceived	perceive	VERB
bjmsr-2475	259	16	economic	economic	ADJ
bjmsr-2475	259	17	empowerment	empowerment	NOUN
bjmsr-2475	259	18	(	(	PUNCT
bjmsr-2475	259	19	pee	pee	NOUN
bjmsr-2475	259	20	)	)	PUNCT
bjmsr-2475	259	21	,	,	PUNCT
bjmsr-2475	259	22	trust	trust	NOUN
bjmsr-2475	259	23	in	in	ADP
bjmsr-2475	259	24	financial	financial	ADJ
bjmsr-2475	259	25	institutions	institution	NOUN
bjmsr-2475	259	26	(	(	PUNCT
bjmsr-2475	259	27	tfi	tfi	NOUN
bjmsr-2475	259	28	)	)	PUNCT
bjmsr-2475	259	29	,	,	PUNCT
bjmsr-2475	259	30	and	and	CCONJ
bjmsr-2475	259	31	user	user	NOUN
bjmsr-2475	259	32	satisfaction	satisfaction	NOUN
bjmsr-2475	259	33	(	(	PUNCT
bjmsr-2475	259	34	us	us	PROPN
bjmsr-2475	259	35	)	)	PUNCT
bjmsr-2475	259	36	,	,	PUNCT
bjmsr-2475	259	37	with	with	ADP
bjmsr-2475	259	38	the	the	DET
bjmsr-2475	259	39	most	most	ADV
bjmsr-2475	259	40	potent	potent	ADJ
bjmsr-2475	259	41	effect	effect	NOUN
bjmsr-2475	259	42	on	on	ADP
bjmsr-2475	259	43	us	we	PRON
bjmsr-2475	259	44	.	.	PUNCT
bjmsr-2475	260	1	users	user	NOUN
bjmsr-2475	260	2	view	view	VERB
bjmsr-2475	260	3	crypto	crypto	NOUN
bjmsr-2475	260	4	platforms	platform	NOUN
bjmsr-2475	260	5	as	as	ADP
bjmsr-2475	260	6	secure	secure	ADJ
bjmsr-2475	260	7	,	,	PUNCT
bjmsr-2475	260	8	user	user	NOUN
bjmsr-2475	260	9	-	-	PUNCT
bjmsr-2475	260	10	friendly	friendly	ADJ
bjmsr-2475	260	11	,	,	PUNCT
bjmsr-2475	260	12	and	and	CCONJ
bjmsr-2475	260	13	valuable	valuable	ADJ
bjmsr-2475	260	14	supported	support	VERB
bjmsr-2475	260	15	by	by	ADP
bjmsr-2475	260	16	high	high	ADJ
bjmsr-2475	260	17	indicator	indicator	NOUN
bjmsr-2475	260	18	means	mean	VERB
bjmsr-2475	260	19	.	.	PUNCT
bjmsr-2475	261	1	ca	can	AUX
bjmsr-2475	261	2	also	also	ADV
bjmsr-2475	261	3	boosts	boost	VERB
bjmsr-2475	261	4	economic	economic	ADJ
bjmsr-2475	261	5	empowerment	empowerment	NOUN
bjmsr-2475	261	6	,	,	PUNCT
bjmsr-2475	261	7	showing	show	VERB
bjmsr-2475	261	8	users	user	NOUN
bjmsr-2475	261	9	'	'	PART
bjmsr-2475	261	10	increased	increase	VERB
bjmsr-2475	261	11	confidence	confidence	NOUN
bjmsr-2475	261	12	in	in	ADP
bjmsr-2475	261	13	managing	manage	VERB
bjmsr-2475	261	14	finances	finance	NOUN
bjmsr-2475	261	15	and	and	CCONJ
bjmsr-2475	261	16	pursuing	pursue	VERB
bjmsr-2475	261	17	opportunities	opportunity	NOUN
bjmsr-2475	261	18	.	.	PUNCT
bjmsr-2475	262	1	these	these	DET
bjmsr-2475	262	2	results	result	VERB
bjmsr-2475	262	3	support	support	VERB
bjmsr-2475	262	4	el	el	PROPN
bjmsr-2475	262	5	hajj	hajj	PROPN
bjmsr-2475	262	6	and	and	CCONJ
bjmsr-2475	262	7	farran	farran	NOUN
bjmsr-2475	262	8	(	(	PUNCT
bjmsr-2475	262	9	2024	2024	NUM
bjmsr-2475	262	10	)	)	PUNCT
bjmsr-2475	262	11	,	,	PUNCT
bjmsr-2475	262	12	highlighting	highlight	VERB
bjmsr-2475	262	13	crypto	crypto	NOUN
bjmsr-2475	262	14	’s	’s	PART
bjmsr-2475	262	15	role	role	NOUN
bjmsr-2475	262	16	in	in	ADP
bjmsr-2475	262	17	advancing	advance	VERB
bjmsr-2475	262	18	financial	financial	ADJ
bjmsr-2475	262	19	autonomy	autonomy	NOUN
bjmsr-2475	262	20	in	in	ADP
bjmsr-2475	262	21	developing	develop	VERB
bjmsr-2475	262	22	regions	region	NOUN
bjmsr-2475	262	23	.	.	PUNCT
bjmsr-2475	263	1	while	while	SCONJ
bjmsr-2475	263	2	cryptocurrency	cryptocurrency	NOUN
bjmsr-2475	263	3	adoption	adoption	NOUN
bjmsr-2475	263	4	(	(	PUNCT
bjmsr-2475	263	5	mean	mean	NOUN
bjmsr-2475	263	6	=	=	SYM
bjmsr-2475	263	7	5.06	5.06	NUM
bjmsr-2475	263	8	)	)	PUNCT
bjmsr-2475	263	9	boosts	boost	VERB
bjmsr-2475	263	10	trust	trust	NOUN
bjmsr-2475	263	11	in	in	ADP
bjmsr-2475	263	12	financial	financial	ADJ
bjmsr-2475	263	13	institutions	institution	NOUN
bjmsr-2475	263	14	especially	especially	ADV
bjmsr-2475	263	15	digital	digital	ADJ
bjmsr-2475	263	16	ones	one	NOUN
bjmsr-2475	263	17	this	this	DET
bjmsr-2475	263	18	trust	trust	NOUN
bjmsr-2475	263	19	does	do	AUX
bjmsr-2475	263	20	not	not	PART
bjmsr-2475	263	21	significantly	significantly	ADV
bjmsr-2475	263	22	drive	drive	VERB
bjmsr-2475	263	23	financial	financial	ADJ
bjmsr-2475	263	24	inclusion	inclusion	NOUN
bjmsr-2475	263	25	.	.	PUNCT
bjmsr-2475	264	1	instead	instead	ADV
bjmsr-2475	264	2	,	,	PUNCT
bjmsr-2475	264	3	user	user	NOUN
bjmsr-2475	264	4	satisfaction	satisfaction	NOUN
bjmsr-2475	264	5	(	(	PUNCT
bjmsr-2475	264	6	mean	mean	NOUN
bjmsr-2475	264	7	=	=	SYM
bjmsr-2475	264	8	5.03	5.03	NUM
bjmsr-2475	264	9	)	)	PUNCT
bjmsr-2475	264	10	and	and	CCONJ
bjmsr-2475	264	11	economic	economic	ADJ
bjmsr-2475	264	12	empowerment	empowerment	NOUN
bjmsr-2475	264	13	(	(	PUNCT
bjmsr-2475	264	14	mean	mean	NOUN
bjmsr-2475	264	15	=	=	SYM
bjmsr-2475	264	16	5.07	5.07	NUM
bjmsr-2475	264	17	)	)	PUNCT
bjmsr-2475	264	18	are	be	AUX
bjmsr-2475	264	19	the	the	DET
bjmsr-2475	264	20	main	main	ADJ
bjmsr-2475	264	21	contributors	contributor	NOUN
bjmsr-2475	264	22	.	.	PUNCT
bjmsr-2475	265	1	high	high	ADJ
bjmsr-2475	265	2	average	average	ADJ
bjmsr-2475	265	3	scores	score	NOUN
bjmsr-2475	265	4	on	on	ADP
bjmsr-2475	265	5	inclusion	inclusion	NOUN
bjmsr-2475	265	6	indicators	indicator	NOUN
bjmsr-2475	265	7	(	(	PUNCT
bjmsr-2475	265	8	mean	mean	NOUN
bjmsr-2475	265	9	=	=	SYM
bjmsr-2475	265	10	5.04	5.04	NUM
bjmsr-2475	265	11	)	)	PUNCT
bjmsr-2475	265	12	reflect	reflect	VERB
bjmsr-2475	265	13	strong	strong	ADJ
bjmsr-2475	265	14	engagement	engagement	NOUN
bjmsr-2475	265	15	with	with	ADP
bjmsr-2475	265	16	digital	digital	ADJ
bjmsr-2475	265	17	banking	banking	NOUN
bjmsr-2475	265	18	among	among	ADP
bjmsr-2475	265	19	empowered	empower	VERB
bjmsr-2475	265	20	,	,	PUNCT
bjmsr-2475	265	21	satisfied	satisfied	ADJ
bjmsr-2475	265	22	users	user	NOUN
bjmsr-2475	265	23	.	.	PUNCT
bjmsr-2475	266	1	these	these	DET
bjmsr-2475	266	2	findings	finding	NOUN
bjmsr-2475	266	3	suggest	suggest	VERB
bjmsr-2475	266	4	that	that	SCONJ
bjmsr-2475	266	5	improving	improve	VERB
bjmsr-2475	266	6	access	access	NOUN
bjmsr-2475	266	7	alone	alone	ADV
bjmsr-2475	266	8	is	be	AUX
bjmsr-2475	266	9	not	not	PART
bjmsr-2475	266	10	enough	enough	ADJ
bjmsr-2475	266	11	;	;	PUNCT
bjmsr-2475	266	12	financial	financial	ADJ
bjmsr-2475	266	13	inclusion	inclusion	NOUN
bjmsr-2475	266	14	also	also	ADV
bjmsr-2475	266	15	depends	depend	VERB
bjmsr-2475	266	16	on	on	ADP
bjmsr-2475	266	17	enhancing	enhance	VERB
bjmsr-2475	266	18	user	user	NOUN
bjmsr-2475	266	19	experience	experience	NOUN
bjmsr-2475	266	20	and	and	CCONJ
bjmsr-2475	266	21	promoting	promote	VERB
bjmsr-2475	266	22	empowerment	empowerment	NOUN
bjmsr-2475	266	23	within	within	ADP
bjmsr-2475	266	24	a	a	DET
bjmsr-2475	266	25	supportive	supportive	ADJ
bjmsr-2475	266	26	ecosystem	ecosystem	NOUN
bjmsr-2475	266	27	.	.	PUNCT
bjmsr-2475	267	1	this	this	PRON
bjmsr-2475	267	2	underscores	underscore	VERB
bjmsr-2475	267	3	the	the	DET
bjmsr-2475	267	4	crucial	crucial	ADJ
bjmsr-2475	267	5	role	role	NOUN
bjmsr-2475	267	6	of	of	ADP
bjmsr-2475	267	7	economic	economic	ADJ
bjmsr-2475	267	8	empowerment	empowerment	NOUN
bjmsr-2475	267	9	as	as	ADP
bjmsr-2475	267	10	a	a	DET
bjmsr-2475	267	11	mediator	mediator	NOUN
bjmsr-2475	267	12	,	,	PUNCT
bjmsr-2475	267	13	where	where	SCONJ
bjmsr-2475	267	14	empowered	empower	VERB
bjmsr-2475	267	15	individuals	individual	NOUN
bjmsr-2475	267	16	are	be	AUX
bjmsr-2475	267	17	more	more	ADV
bjmsr-2475	267	18	likely	likely	ADJ
bjmsr-2475	267	19	to	to	PART
bjmsr-2475	267	20	leverage	leverage	VERB
bjmsr-2475	267	21	crypto	crypto	NOUN
bjmsr-2475	267	22	tools	tool	NOUN
bjmsr-2475	267	23	to	to	PART
bjmsr-2475	267	24	access	access	VERB
bjmsr-2475	267	25	broader	broad	ADJ
bjmsr-2475	267	26	financial	financial	ADJ
bjmsr-2475	267	27	services	service	NOUN
bjmsr-2475	267	28	.	.	PUNCT
bjmsr-2475	268	1	these	these	DET
bjmsr-2475	268	2	results	result	NOUN
bjmsr-2475	268	3	support	support	VERB
bjmsr-2475	268	4	the	the	DET
bjmsr-2475	268	5	idea	idea	NOUN
bjmsr-2475	268	6	that	that	SCONJ
bjmsr-2475	268	7	individuals	individual	NOUN
bjmsr-2475	268	8	'	'	PART
bjmsr-2475	268	9	sense	sense	NOUN
bjmsr-2475	268	10	of	of	ADP
bjmsr-2475	268	11	economic	economic	ADJ
bjmsr-2475	268	12	agency	agency	NOUN
bjmsr-2475	268	13	plays	play	VERB
bjmsr-2475	268	14	a	a	DET
bjmsr-2475	268	15	pivotal	pivotal	ADJ
bjmsr-2475	268	16	role	role	NOUN
bjmsr-2475	268	17	in	in	ADP
bjmsr-2475	268	18	converting	convert	VERB
bjmsr-2475	268	19	crypto	crypto	ADJ
bjmsr-2475	268	20	usage	usage	NOUN
bjmsr-2475	268	21	into	into	ADP
bjmsr-2475	268	22	actual	actual	ADJ
bjmsr-2475	268	23	financial	financial	ADJ
bjmsr-2475	268	24	engagement	engagement	NOUN
bjmsr-2475	268	25	.	.	PUNCT
bjmsr-2475	269	1	moreover	moreover	ADV
bjmsr-2475	269	2	,	,	PUNCT
bjmsr-2475	269	3	user	user	NOUN
bjmsr-2475	269	4	satisfaction	satisfaction	NOUN
bjmsr-2475	269	5	serves	serve	VERB
bjmsr-2475	269	6	as	as	ADP
bjmsr-2475	269	7	a	a	DET
bjmsr-2475	269	8	reliable	reliable	ADJ
bjmsr-2475	269	9	indirect	indirect	ADJ
bjmsr-2475	269	10	path	path	NOUN
bjmsr-2475	269	11	,	,	PUNCT
bjmsr-2475	269	12	meaning	mean	VERB
bjmsr-2475	269	13	that	that	SCONJ
bjmsr-2475	269	14	user	user	NOUN
bjmsr-2475	269	15	-	-	PUNCT
bjmsr-2475	269	16	centered	center	VERB
bjmsr-2475	269	17	product	product	NOUN
bjmsr-2475	269	18	development	development	NOUN
bjmsr-2475	269	19	,	,	PUNCT
bjmsr-2475	269	20	clear	clear	ADJ
bjmsr-2475	269	21	communication	communication	NOUN
bjmsr-2475	269	22	,	,	PUNCT
bjmsr-2475	269	23	ferli	ferli	X
bjmsr-2475	269	24	et	et	PROPN
bjmsr-2475	269	25	al	al	PROPN
bjmsr-2475	269	26	.	.	PROPN
bjmsr-2475	269	27	,	,	PUNCT
bjmsr-2475	269	28	bangladesh	bangladesh	PROPN
bjmsr-2475	269	29	journal	journal	NOUN
bjmsr-2475	269	30	of	of	ADP
bjmsr-2475	269	31	multidisciplinary	multidisciplinary	ADJ
bjmsr-2475	269	32	scientific	scientific	ADJ
bjmsr-2475	269	33	research	research	NOUN
bjmsr-2475	269	34	10(5	10(5	NOUN
bjmsr-2475	269	35	)	)	PUNCT
bjmsr-2475	269	36	(	(	PUNCT
bjmsr-2475	269	37	2025	2025	NUM
bjmsr-2475	269	38	)	)	PUNCT
bjmsr-2475	269	39	,	,	PUNCT
bjmsr-2475	269	40	46	46	NUM
bjmsr-2475	269	41	-	-	SYM
bjmsr-2475	269	42	55	55	NUM
bjmsr-2475	269	43	54	54	NUM
bjmsr-2475	269	44	affordable	affordable	ADJ
bjmsr-2475	269	45	transaction	transaction	NOUN
bjmsr-2475	269	46	fees	fee	NOUN
bjmsr-2475	269	47	,	,	PUNCT
bjmsr-2475	269	48	and	and	CCONJ
bjmsr-2475	269	49	strong	strong	ADJ
bjmsr-2475	269	50	security	security	NOUN
bjmsr-2475	269	51	can	can	AUX
bjmsr-2475	269	52	increase	increase	VERB
bjmsr-2475	269	53	satisfaction	satisfaction	NOUN
bjmsr-2475	269	54	and	and	CCONJ
bjmsr-2475	269	55	thus	thus	ADV
bjmsr-2475	269	56	,	,	PUNCT
bjmsr-2475	269	57	indirectly	indirectly	ADV
bjmsr-2475	269	58	,	,	PUNCT
bjmsr-2475	269	59	financial	financial	ADJ
bjmsr-2475	269	60	inclusion	inclusion	NOUN
bjmsr-2475	269	61	.	.	PUNCT
bjmsr-2475	270	1	platforms	platform	NOUN
bjmsr-2475	270	2	that	that	PRON
bjmsr-2475	270	3	invest	invest	VERB
bjmsr-2475	270	4	in	in	ADP
bjmsr-2475	270	5	improving	improve	VERB
bjmsr-2475	270	6	the	the	DET
bjmsr-2475	270	7	user	user	NOUN
bjmsr-2475	270	8	journey	journey	NOUN
bjmsr-2475	270	9	can	can	AUX
bjmsr-2475	270	10	therefore	therefore	ADV
bjmsr-2475	270	11	become	become	VERB
bjmsr-2475	270	12	effective	effective	ADJ
bjmsr-2475	270	13	agents	agent	NOUN
bjmsr-2475	270	14	for	for	ADP
bjmsr-2475	270	15	inclusive	inclusive	ADJ
bjmsr-2475	270	16	finance	finance	NOUN
bjmsr-2475	270	17	.	.	PUNCT
bjmsr-2475	271	1	the	the	DET
bjmsr-2475	271	2	adoption	adoption	NOUN
bjmsr-2475	271	3	of	of	ADP
bjmsr-2475	271	4	cryptocurrency	cryptocurrency	NOUN
bjmsr-2475	271	5	instruments	instrument	NOUN
bjmsr-2475	271	6	is	be	AUX
bjmsr-2475	271	7	very	very	ADV
bjmsr-2475	271	8	beneficial	beneficial	ADJ
bjmsr-2475	271	9	,	,	PUNCT
bjmsr-2475	271	10	especially	especially	ADV
bjmsr-2475	271	11	in	in	ADP
bjmsr-2475	271	12	developing	develop	VERB
bjmsr-2475	271	13	countries	country	NOUN
bjmsr-2475	271	14	.	.	PUNCT
bjmsr-2475	272	1	users	user	NOUN
bjmsr-2475	272	2	appreciate	appreciate	VERB
bjmsr-2475	272	3	cryptocurrencies	cryptocurrencie	NOUN
bjmsr-2475	272	4	as	as	SCONJ
bjmsr-2475	272	5	they	they	PRON
bjmsr-2475	272	6	can	can	AUX
bjmsr-2475	272	7	control	control	VERB
bjmsr-2475	272	8	their	their	PRON
bjmsr-2475	272	9	funds	fund	NOUN
bjmsr-2475	272	10	without	without	ADP
bjmsr-2475	272	11	intermediaries	intermediary	NOUN
bjmsr-2475	272	12	(	(	PUNCT
bjmsr-2475	272	13	banks	bank	NOUN
bjmsr-2475	272	14	)	)	PUNCT
bjmsr-2475	272	15	.	.	PUNCT
bjmsr-2475	273	1	users	user	NOUN
bjmsr-2475	273	2	who	who	PRON
bjmsr-2475	273	3	can	can	AUX
bjmsr-2475	273	4	manage	manage	VERB
bjmsr-2475	273	5	their	their	PRON
bjmsr-2475	273	6	funds	fund	NOUN
bjmsr-2475	273	7	are	be	AUX
bjmsr-2475	273	8	an	an	DET
bjmsr-2475	273	9	important	important	ADJ
bjmsr-2475	273	10	milestone	milestone	NOUN
bjmsr-2475	273	11	in	in	ADP
bjmsr-2475	273	12	the	the	DET
bjmsr-2475	273	13	advancement	advancement	NOUN
bjmsr-2475	273	14	of	of	ADP
bjmsr-2475	273	15	perceived	perceive	VERB
bjmsr-2475	273	16	economic	economic	ADJ
bjmsr-2475	273	17	value	value	NOUN
bjmsr-2475	273	18	in	in	ADP
bjmsr-2475	273	19	developing	develop	VERB
bjmsr-2475	273	20	countries	country	NOUN
bjmsr-2475	273	21	.	.	PUNCT
bjmsr-2475	274	1	this	this	DET
bjmsr-2475	274	2	autonomy	autonomy	NOUN
bjmsr-2475	274	3	is	be	AUX
bjmsr-2475	274	4	important	important	ADJ
bjmsr-2475	274	5	,	,	PUNCT
bjmsr-2475	274	6	particularly	particularly	ADV
bjmsr-2475	274	7	in	in	ADP
bjmsr-2475	274	8	regions	region	NOUN
bjmsr-2475	274	9	where	where	SCONJ
bjmsr-2475	274	10	the	the	DET
bjmsr-2475	274	11	conventional	conventional	ADJ
bjmsr-2475	274	12	banking	banking	NOUN
bjmsr-2475	274	13	sector	sector	NOUN
bjmsr-2475	274	14	is	be	AUX
bjmsr-2475	274	15	either	either	CCONJ
bjmsr-2475	274	16	unavailable	unavailable	ADJ
bjmsr-2475	274	17	or	or	CCONJ
bjmsr-2475	274	18	lacks	lack	VERB
bjmsr-2475	274	19	credibility	credibility	NOUN
bjmsr-2475	274	20	.	.	PUNCT
bjmsr-2475	275	1	cryptocurrencies	cryptocurrencie	NOUN
bjmsr-2475	275	2	gain	gain	VERB
bjmsr-2475	275	3	more	more	ADJ
bjmsr-2475	275	4	strength	strength	NOUN
bjmsr-2475	275	5	in	in	ADP
bjmsr-2475	275	6	the	the	DET
bjmsr-2475	275	7	regions	region	NOUN
bjmsr-2475	275	8	with	with	ADP
bjmsr-2475	275	9	better	well	ADJ
bjmsr-2475	275	10	mobile	mobile	ADJ
bjmsr-2475	275	11	technology	technology	NOUN
bjmsr-2475	275	12	adoption	adoption	NOUN
bjmsr-2475	275	13	(	(	PUNCT
bjmsr-2475	275	14	el	el	PROPN
bjmsr-2475	275	15	amri	amri	PROPN
bjmsr-2475	275	16	et	et	PROPN
bjmsr-2475	275	17	al	al	PROPN
bjmsr-2475	275	18	.	.	PROPN
bjmsr-2475	275	19	,	,	PUNCT
bjmsr-2475	275	20	2021	2021	NUM
bjmsr-2475	275	21	)	)	PUNCT
bjmsr-2475	275	22	.	.	PUNCT
bjmsr-2475	276	1	it	it	PRON
bjmsr-2475	276	2	is	be	AUX
bjmsr-2475	276	3	established	establish	VERB
bjmsr-2475	276	4	that	that	SCONJ
bjmsr-2475	276	5	cryptocurrency	cryptocurrency	NOUN
bjmsr-2475	276	6	enables	enable	VERB
bjmsr-2475	276	7	better	well	ADJ
bjmsr-2475	276	8	access	access	NOUN
bjmsr-2475	276	9	to	to	ADP
bjmsr-2475	276	10	financial	financial	ADJ
bjmsr-2475	276	11	products	product	NOUN
bjmsr-2475	276	12	and	and	CCONJ
bjmsr-2475	276	13	services	service	NOUN
bjmsr-2475	276	14	and	and	CCONJ
bjmsr-2475	276	15	empowers	empower	VERB
bjmsr-2475	276	16	users	user	NOUN
bjmsr-2475	276	17	financially	financially	ADV
bjmsr-2475	276	18	.	.	PUNCT
bjmsr-2475	277	1	the	the	DET
bjmsr-2475	277	2	findings	finding	NOUN
bjmsr-2475	277	3	indicate	indicate	VERB
bjmsr-2475	277	4	that	that	SCONJ
bjmsr-2475	277	5	cryptocurrencies	cryptocurrencie	NOUN
bjmsr-2475	277	6	help	help	VERB
bjmsr-2475	277	7	in	in	ADP
bjmsr-2475	277	8	availing	avail	VERB
bjmsr-2475	277	9	financial	financial	ADJ
bjmsr-2475	277	10	services	service	NOUN
bjmsr-2475	277	11	for	for	ADP
bjmsr-2475	277	12	underbanked	underbanked	ADJ
bjmsr-2475	277	13	and	and	CCONJ
bjmsr-2475	277	14	also	also	ADV
bjmsr-2475	277	15	previously	previously	ADV
bjmsr-2475	277	16	unbanked	unbanked	ADJ
bjmsr-2475	277	17	individuals	individual	NOUN
bjmsr-2475	277	18	.	.	PUNCT
bjmsr-2475	278	1	implications	implication	NOUN
bjmsr-2475	278	2	for	for	ADP
bjmsr-2475	278	3	investors	investor	NOUN
bjmsr-2475	278	4	and	and	CCONJ
bjmsr-2475	278	5	regulators	regulator	NOUN
bjmsr-2475	278	6	are	be	AUX
bjmsr-2475	278	7	multifold	multifold	ADJ
bjmsr-2475	278	8	.	.	PUNCT
bjmsr-2475	279	1	for	for	ADP
bjmsr-2475	279	2	investors	investor	NOUN
bjmsr-2475	279	3	,	,	PUNCT
bjmsr-2475	279	4	the	the	DET
bjmsr-2475	279	5	data	data	NOUN
bjmsr-2475	279	6	suggests	suggest	VERB
bjmsr-2475	279	7	that	that	SCONJ
bjmsr-2475	279	8	high	high	ADJ
bjmsr-2475	279	9	user	user	NOUN
bjmsr-2475	279	10	satisfaction	satisfaction	NOUN
bjmsr-2475	279	11	and	and	CCONJ
bjmsr-2475	279	12	economic	economic	ADJ
bjmsr-2475	279	13	empowerment	empowerment	NOUN
bjmsr-2475	279	14	are	be	AUX
bjmsr-2475	279	15	critical	critical	ADJ
bjmsr-2475	279	16	value	value	NOUN
bjmsr-2475	279	17	drivers	driver	NOUN
bjmsr-2475	279	18	in	in	ADP
bjmsr-2475	279	19	the	the	DET
bjmsr-2475	279	20	crypto	crypto	NOUN
bjmsr-2475	279	21	space	space	NOUN
bjmsr-2475	279	22	offering	offer	VERB
bjmsr-2475	279	23	opportunities	opportunity	NOUN
bjmsr-2475	279	24	in	in	ADP
bjmsr-2475	279	25	platforms	platform	NOUN
bjmsr-2475	279	26	that	that	PRON
bjmsr-2475	279	27	prioritize	prioritize	VERB
bjmsr-2475	279	28	accessibility	accessibility	NOUN
bjmsr-2475	279	29	,	,	PUNCT
bjmsr-2475	279	30	security	security	NOUN
bjmsr-2475	279	31	,	,	PUNCT
bjmsr-2475	279	32	and	and	CCONJ
bjmsr-2475	279	33	transparency	transparency	NOUN
bjmsr-2475	279	34	.	.	PUNCT
bjmsr-2475	280	1	for	for	ADP
bjmsr-2475	280	2	regulators	regulator	NOUN
bjmsr-2475	280	3	,	,	PUNCT
bjmsr-2475	280	4	the	the	DET
bjmsr-2475	280	5	challenge	challenge	NOUN
bjmsr-2475	280	6	lies	lie	VERB
bjmsr-2475	280	7	in	in	ADP
bjmsr-2475	280	8	ensuring	ensure	VERB
bjmsr-2475	280	9	that	that	SCONJ
bjmsr-2475	280	10	volatility	volatility	NOUN
bjmsr-2475	280	11	,	,	PUNCT
bjmsr-2475	280	12	scams	scam	NOUN
bjmsr-2475	280	13	,	,	PUNCT
bjmsr-2475	280	14	or	or	CCONJ
bjmsr-2475	280	15	misinformation	misinformation	NOUN
bjmsr-2475	280	16	do	do	AUX
bjmsr-2475	280	17	not	not	PART
bjmsr-2475	280	18	undermine	undermine	VERB
bjmsr-2475	280	19	the	the	DET
bjmsr-2475	280	20	empowering	empowering	ADJ
bjmsr-2475	280	21	effects	effect	NOUN
bjmsr-2475	280	22	of	of	ADP
bjmsr-2475	280	23	cryptocurrency	cryptocurrency	NOUN
bjmsr-2475	280	24	.	.	PUNCT
bjmsr-2475	281	1	regulation	regulation	NOUN
bjmsr-2475	281	2	should	should	AUX
bjmsr-2475	281	3	thus	thus	ADV
bjmsr-2475	281	4	aim	aim	VERB
bjmsr-2475	281	5	not	not	PART
bjmsr-2475	281	6	to	to	PART
bjmsr-2475	281	7	restrict	restrict	VERB
bjmsr-2475	281	8	innovation	innovation	NOUN
bjmsr-2475	281	9	,	,	PUNCT
bjmsr-2475	281	10	but	but	CCONJ
bjmsr-2475	281	11	to	to	PART
bjmsr-2475	281	12	reinforce	reinforce	VERB
bjmsr-2475	281	13	digital	digital	ADJ
bjmsr-2475	281	14	financial	financial	ADJ
bjmsr-2475	281	15	literacy	literacy	NOUN
bjmsr-2475	281	16	,	,	PUNCT
bjmsr-2475	281	17	protect	protect	VERB
bjmsr-2475	281	18	users	user	NOUN
bjmsr-2475	281	19	,	,	PUNCT
bjmsr-2475	281	20	and	and	CCONJ
bjmsr-2475	281	21	build	build	VERB
bjmsr-2475	281	22	a	a	DET
bjmsr-2475	281	23	trustworthy	trustworthy	ADJ
bjmsr-2475	281	24	ecosystem	ecosystem	NOUN
bjmsr-2475	281	25	that	that	PRON
bjmsr-2475	281	26	supports	support	VERB
bjmsr-2475	281	27	longterm	longterm	ADJ
bjmsr-2475	281	28	financial	financial	ADJ
bjmsr-2475	281	29	inclusion	inclusion	NOUN
bjmsr-2475	281	30	goals	goal	NOUN
bjmsr-2475	281	31	.	.	PUNCT
bjmsr-2475	282	1	this	this	DET
bjmsr-2475	282	2	study	study	NOUN
bjmsr-2475	282	3	has	have	VERB
bjmsr-2475	282	4	several	several	ADJ
bjmsr-2475	282	5	limitations	limitation	NOUN
bjmsr-2475	282	6	.	.	PUNCT
bjmsr-2475	283	1	first	first	ADV
bjmsr-2475	283	2	,	,	PUNCT
bjmsr-2475	283	3	the	the	DET
bjmsr-2475	283	4	small	small	ADJ
bjmsr-2475	283	5	sample	sample	NOUN
bjmsr-2475	283	6	size	size	NOUN
bjmsr-2475	283	7	limits	limit	VERB
bjmsr-2475	283	8	the	the	DET
bjmsr-2475	283	9	generalizability	generalizability	NOUN
bjmsr-2475	283	10	of	of	ADP
bjmsr-2475	283	11	the	the	DET
bjmsr-2475	283	12	results	result	NOUN
bjmsr-2475	283	13	;	;	PUNCT
bjmsr-2475	283	14	a	a	DET
bjmsr-2475	283	15	larger	large	ADJ
bjmsr-2475	283	16	sample	sample	NOUN
bjmsr-2475	283	17	could	could	AUX
bjmsr-2475	283	18	increase	increase	VERB
bjmsr-2475	283	19	statistical	statistical	ADJ
bjmsr-2475	283	20	power	power	NOUN
bjmsr-2475	283	21	and	and	CCONJ
bjmsr-2475	283	22	reduce	reduce	VERB
bjmsr-2475	283	23	bias	bias	NOUN
bjmsr-2475	283	24	.	.	PUNCT
bjmsr-2475	284	1	second	second	ADJ
bjmsr-2475	284	2	,	,	PUNCT
bjmsr-2475	284	3	participants	participant	NOUN
bjmsr-2475	284	4	were	be	AUX
bjmsr-2475	284	5	only	only	ADV
bjmsr-2475	284	6	from	from	ADP
bjmsr-2475	284	7	major	major	ADJ
bjmsr-2475	284	8	cities	city	NOUN
bjmsr-2475	284	9	in	in	ADP
bjmsr-2475	284	10	indonesia	indonesia	PROPN
bjmsr-2475	284	11	,	,	PUNCT
bjmsr-2475	284	12	so	so	SCONJ
bjmsr-2475	284	13	the	the	DET
bjmsr-2475	284	14	findings	finding	NOUN
bjmsr-2475	284	15	may	may	AUX
bjmsr-2475	284	16	not	not	PART
bjmsr-2475	284	17	reflect	reflect	VERB
bjmsr-2475	284	18	those	those	PRON
bjmsr-2475	284	19	in	in	ADP
bjmsr-2475	284	20	rural	rural	ADJ
bjmsr-2475	284	21	areas	area	NOUN
bjmsr-2475	284	22	,	,	PUNCT
bjmsr-2475	284	23	smaller	small	ADJ
bjmsr-2475	284	24	towns	town	NOUN
bjmsr-2475	284	25	,	,	PUNCT
bjmsr-2475	284	26	or	or	CCONJ
bjmsr-2475	284	27	other	other	ADJ
bjmsr-2475	284	28	countries	country	NOUN
bjmsr-2475	284	29	.	.	PUNCT
bjmsr-2475	285	1	future	future	ADJ
bjmsr-2475	285	2	research	research	NOUN
bjmsr-2475	285	3	should	should	AUX
bjmsr-2475	285	4	include	include	VERB
bjmsr-2475	285	5	a	a	DET
bjmsr-2475	285	6	larger	large	ADJ
bjmsr-2475	285	7	,	,	PUNCT
bjmsr-2475	285	8	more	more	ADV
bjmsr-2475	285	9	diverse	diverse	ADJ
bjmsr-2475	285	10	sample	sample	NOUN
bjmsr-2475	285	11	across	across	ADP
bjmsr-2475	285	12	different	different	ADJ
bjmsr-2475	285	13	regions	region	NOUN
bjmsr-2475	285	14	and	and	CCONJ
bjmsr-2475	285	15	socioeconomic	socioeconomic	ADJ
bjmsr-2475	285	16	backgrounds	background	NOUN
bjmsr-2475	285	17	.	.	PUNCT
bjmsr-2475	286	1	longitudinal	longitudinal	ADJ
bjmsr-2475	286	2	studies	study	NOUN
bjmsr-2475	286	3	or	or	CCONJ
bjmsr-2475	286	4	mixed	mixed	ADJ
bjmsr-2475	286	5	methods	method	NOUN
bjmsr-2475	286	6	,	,	PUNCT
bjmsr-2475	286	7	such	such	ADJ
bjmsr-2475	286	8	as	as	ADP
bjmsr-2475	286	9	combining	combine	VERB
bjmsr-2475	286	10	surveys	survey	NOUN
bjmsr-2475	286	11	with	with	ADP
bjmsr-2475	286	12	interviews	interview	NOUN
bjmsr-2475	286	13	,	,	PUNCT
bjmsr-2475	286	14	could	could	AUX
bjmsr-2475	286	15	also	also	ADV
bjmsr-2475	286	16	provide	provide	VERB
bjmsr-2475	286	17	deeper	deep	ADJ
bjmsr-2475	286	18	insights	insight	NOUN
bjmsr-2475	286	19	.	.	PUNCT
bjmsr-2475	287	1	author	author	NOUN
bjmsr-2475	287	2	contributions	contribution	NOUN
bjmsr-2475	287	3	:	:	PUNCT
bjmsr-2475	287	4	conceptualization	conceptualization	NOUN
bjmsr-2475	287	5	,	,	PUNCT
bjmsr-2475	287	6	o.f	o.f	PROPN
bjmsr-2475	287	7	.	.	PROPN
bjmsr-2475	287	8	;	;	PUNCT
bjmsr-2475	287	9	methodology	methodology	NOUN
bjmsr-2475	287	10	,	,	PUNCT
bjmsr-2475	287	11	d.g	d.g	PROPN
bjmsr-2475	287	12	.	.	PROPN
bjmsr-2475	287	13	,	,	PUNCT
bjmsr-2475	287	14	g.r.d	g.r.d	PROPN
bjmsr-2475	287	15	.	.	PUNCT
bjmsr-2475	287	16	and	and	CCONJ
bjmsr-2475	287	17	m.y	m.y	PROPN
bjmsr-2475	287	18	.	.	PROPN
bjmsr-2475	287	19	;	;	PUNCT
bjmsr-2475	288	1	software	software	NOUN
bjmsr-2475	288	2	,	,	PUNCT
bjmsr-2475	288	3	m.y	m.y	PROPN
bjmsr-2475	288	4	.	.	PROPN
bjmsr-2475	288	5	;	;	PUNCT
bjmsr-2475	288	6	validation	validation	NOUN
bjmsr-2475	288	7	,	,	PUNCT
bjmsr-2475	288	8	d.g	d.g	PROPN
bjmsr-2475	288	9	.	.	PROPN
bjmsr-2475	288	10	,	,	PUNCT
bjmsr-2475	288	11	g.r.d	g.r.d	PROPN
bjmsr-2475	288	12	.	.	PUNCT
bjmsr-2475	288	13	and	and	CCONJ
bjmsr-2475	288	14	m.y	m.y	PROPN
bjmsr-2475	288	15	.	.	PROPN
bjmsr-2475	288	16	;	;	PUNCT
bjmsr-2475	288	17	formal	formal	ADJ
bjmsr-2475	288	18	analysis	analysis	NOUN
bjmsr-2475	288	19	,	,	PUNCT
bjmsr-2475	288	20	d.g	d.g	PROPN
bjmsr-2475	288	21	.	.	PROPN
bjmsr-2475	288	22	and	and	CCONJ
bjmsr-2475	288	23	g.r.d	g.r.d	PROPN
bjmsr-2475	288	24	;	;	PUNCT
bjmsr-2475	288	25	investigation	investigation	NOUN
bjmsr-2475	288	26	,	,	PUNCT
bjmsr-2475	288	27	d.g	d.g	PROPN
bjmsr-2475	288	28	.	.	PROPN
bjmsr-2475	288	29	;	;	PUNCT
bjmsr-2475	288	30	resources	resource	NOUN
bjmsr-2475	288	31	,	,	PUNCT
bjmsr-2475	288	32	g.r.d	g.r.d	PROPN
bjmsr-2475	288	33	.	.	PUNCT
bjmsr-2475	288	34	;	;	PUNCT
bjmsr-2475	288	35	data	datum	NOUN
bjmsr-2475	288	36	curation	curation	NOUN
bjmsr-2475	288	37	,	,	PUNCT
bjmsr-2475	288	38	g.r.d	g.r.d	PROPN
bjmsr-2475	288	39	.	.	PROPN
bjmsr-2475	288	40	;	;	PUNCT
bjmsr-2475	288	41	writing	write	VERB
bjmsr-2475	288	42	–	–	PUNCT
bjmsr-2475	288	43	original	original	ADJ
bjmsr-2475	288	44	draft	draft	NOUN
bjmsr-2475	288	45	preparation	preparation	NOUN
bjmsr-2475	288	46	,	,	PUNCT
bjmsr-2475	288	47	o.f	o.f	PROPN
bjmsr-2475	288	48	.	.	PROPN
bjmsr-2475	288	49	,	,	PUNCT
bjmsr-2475	288	50	d.g	d.g	PROPN
bjmsr-2475	288	51	.	.	PROPN
bjmsr-2475	288	52	,	,	PUNCT
bjmsr-2475	288	53	g.r.d	g.r.d	PROPN
bjmsr-2475	288	54	.	.	PUNCT
bjmsr-2475	288	55	and	and	CCONJ
bjmsr-2475	288	56	m.y	m.y	PROPN
bjmsr-2475	288	57	.	.	PROPN
bjmsr-2475	288	58	;	;	PUNCT
bjmsr-2475	288	59	writing	write	VERB
bjmsr-2475	288	60	–	–	PUNCT
bjmsr-2475	288	61	review	review	NOUN
bjmsr-2475	288	62	&	&	CCONJ
bjmsr-2475	288	63	editing	editing	PROPN
bjmsr-2475	288	64	,	,	PUNCT
bjmsr-2475	288	65	o.f	o.f	PROPN
bjmsr-2475	288	66	.	.	PROPN
bjmsr-2475	288	67	;	;	PUNCT
bjmsr-2475	288	68	visualization	visualization	NOUN
bjmsr-2475	288	69	,	,	PUNCT
bjmsr-2475	288	70	o.f	o.f	PROPN
bjmsr-2475	288	71	.	.	PROPN
bjmsr-2475	288	72	;	;	PUNCT
bjmsr-2475	288	73	supervision	supervision	NOUN
bjmsr-2475	288	74	,	,	PUNCT
bjmsr-2475	288	75	o.f	o.f	PROPN
bjmsr-2475	288	76	.	.	PROPN
bjmsr-2475	288	77	;	;	PUNCT
bjmsr-2475	288	78	project	project	NOUN
bjmsr-2475	288	79	administration	administration	NOUN
bjmsr-2475	288	80	,	,	PUNCT
bjmsr-2475	288	81	m.y	m.y	PROPN
bjmsr-2475	288	82	.	.	PROPN
bjmsr-2475	288	83	;	;	PUNCT
bjmsr-2475	288	84	funding	funding	NOUN
bjmsr-2475	288	85	,	,	PUNCT
bjmsr-2475	288	86	o.f	o.f	PROPN
bjmsr-2475	288	87	.	.	PROPN
bjmsr-2475	288	88	authors	author	NOUN
bjmsr-2475	288	89	have	have	AUX
bjmsr-2475	288	90	read	read	VERB
bjmsr-2475	288	91	and	and	CCONJ
bjmsr-2475	288	92	agreed	agree	VERB
bjmsr-2475	288	93	to	to	ADP
bjmsr-2475	288	94	the	the	DET
bjmsr-2475	288	95	published	publish	VERB
bjmsr-2475	288	96	version	version	NOUN
bjmsr-2475	288	97	of	of	ADP
bjmsr-2475	288	98	the	the	DET
bjmsr-2475	288	99	manuscript	manuscript	NOUN
bjmsr-2475	288	100	.	.	PUNCT
bjmsr-2475	289	1	institutional	institutional	ADJ
bjmsr-2475	289	2	review	review	PROPN
bjmsr-2475	289	3	board	board	NOUN
bjmsr-2475	289	4	statement	statement	NOUN
bjmsr-2475	289	5	:	:	PUNCT
bjmsr-2475	289	6	ethical	ethical	ADJ
bjmsr-2475	289	7	review	review	NOUN
bjmsr-2475	289	8	and	and	CCONJ
bjmsr-2475	289	9	approval	approval	NOUN
bjmsr-2475	289	10	were	be	AUX
bjmsr-2475	289	11	waived	waive	VERB
bjmsr-2475	289	12	for	for	ADP
bjmsr-2475	289	13	this	this	DET
bjmsr-2475	289	14	study	study	NOUN
bjmsr-2475	289	15	,	,	PUNCT
bjmsr-2475	289	16	due	due	ADP
bjmsr-2475	289	17	to	to	ADP
bjmsr-2475	289	18	that	that	SCONJ
bjmsr-2475	289	19	the	the	DET
bjmsr-2475	289	20	research	research	NOUN
bjmsr-2475	289	21	does	do	AUX
bjmsr-2475	289	22	not	not	PART
bjmsr-2475	289	23	deal	deal	VERB
bjmsr-2475	289	24	with	with	ADP
bjmsr-2475	289	25	vulnerable	vulnerable	ADJ
bjmsr-2475	289	26	groups	group	NOUN
bjmsr-2475	289	27	or	or	CCONJ
bjmsr-2475	289	28	sensitive	sensitive	ADJ
bjmsr-2475	289	29	issues	issue	NOUN
bjmsr-2475	289	30	.	.	PUNCT
bjmsr-2475	290	1	funding	funding	NOUN
bjmsr-2475	290	2	:	:	PUNCT
bjmsr-2475	290	3	the	the	DET
bjmsr-2475	290	4	apc	apc	PROPN
bjmsr-2475	290	5	of	of	ADP
bjmsr-2475	290	6	this	this	DET
bjmsr-2475	290	7	research	research	NOUN
bjmsr-2475	290	8	was	be	AUX
bjmsr-2475	290	9	funded	fund	VERB
bjmsr-2475	290	10	by	by	ADP
bjmsr-2475	290	11	yayasan	yayasan	PROPN
bjmsr-2475	290	12	pengembangan	pengembangan	PROPN
bjmsr-2475	290	13	perbankan	perbankan	PROPN
bjmsr-2475	290	14	indonesia	indonesia	PROPN
bjmsr-2475	290	15	(	(	PUNCT
bjmsr-2475	290	16	yppi	yppi	PROPN
bjmsr-2475	290	17	)	)	PUNCT
bjmsr-2475	290	18	.	.	PUNCT
bjmsr-2475	291	1	acknowledgments	acknowledgment	NOUN
bjmsr-2475	291	2	:	:	PUNCT
bjmsr-2475	291	3	the	the	DET
bjmsr-2475	291	4	authors	author	NOUN
bjmsr-2475	291	5	would	would	AUX
bjmsr-2475	291	6	like	like	VERB
bjmsr-2475	291	7	to	to	PART
bjmsr-2475	291	8	express	express	VERB
bjmsr-2475	291	9	their	their	PRON
bjmsr-2475	291	10	sincere	sincere	ADJ
bjmsr-2475	291	11	gratitude	gratitude	NOUN
bjmsr-2475	291	12	for	for	ADP
bjmsr-2475	291	13	all	all	DET
bjmsr-2475	291	14	the	the	DET
bjmsr-2475	291	15	support	support	NOUN
bjmsr-2475	291	16	provided	provide	VERB
bjmsr-2475	291	17	by	by	ADP
bjmsr-2475	291	18	stie	stie	PROPN
bjmsr-2475	291	19	indonesia	indonesia	PROPN
bjmsr-2475	291	20	banking	banking	PROPN
bjmsr-2475	291	21	school	school	NOUN
bjmsr-2475	291	22	during	during	ADP
bjmsr-2475	291	23	this	this	DET
bjmsr-2475	291	24	writing	writing	NOUN
bjmsr-2475	291	25	process	process	NOUN
bjmsr-2475	291	26	.	.	PUNCT
bjmsr-2475	292	1	the	the	DET
bjmsr-2475	292	2	university	university	NOUN
bjmsr-2475	292	3	's	's	PART
bjmsr-2475	292	4	commitment	commitment	NOUN
bjmsr-2475	292	5	to	to	ADP
bjmsr-2475	292	6	advancing	advance	VERB
bjmsr-2475	292	7	academic	academic	ADJ
bjmsr-2475	292	8	research	research	NOUN
bjmsr-2475	292	9	and	and	CCONJ
bjmsr-2475	292	10	innovation	innovation	NOUN
bjmsr-2475	292	11	played	play	VERB
bjmsr-2475	292	12	a	a	DET
bjmsr-2475	292	13	pivotal	pivotal	ADJ
bjmsr-2475	292	14	role	role	NOUN
bjmsr-2475	292	15	in	in	ADP
bjmsr-2475	292	16	enabling	enable	VERB
bjmsr-2475	292	17	the	the	DET
bjmsr-2475	292	18	successful	successful	ADJ
bjmsr-2475	292	19	completion	completion	NOUN
bjmsr-2475	292	20	of	of	ADP
bjmsr-2475	292	21	this	this	DET
bjmsr-2475	292	22	study	study	NOUN
bjmsr-2475	292	23	.	.	PUNCT
bjmsr-2475	293	1	informed	informed	ADJ
bjmsr-2475	293	2	consent	consent	NOUN
bjmsr-2475	293	3	statement	statement	NOUN
bjmsr-2475	293	4	:	:	PUNCT
bjmsr-2475	293	5	informed	inform	VERB
bjmsr-2475	293	6	consent	consent	NOUN
bjmsr-2475	293	7	was	be	AUX
bjmsr-2475	293	8	obtained	obtain	VERB
bjmsr-2475	293	9	from	from	ADP
bjmsr-2475	293	10	all	all	DET
bjmsr-2475	293	11	subjects	subject	NOUN
bjmsr-2475	293	12	involved	involve	VERB
bjmsr-2475	293	13	in	in	ADP
bjmsr-2475	293	14	the	the	DET
bjmsr-2475	293	15	study	study	NOUN
bjmsr-2475	293	16	.	.	PUNCT
bjmsr-2475	294	1	data	datum	NOUN
bjmsr-2475	294	2	availability	availability	NOUN
bjmsr-2475	294	3	statement	statement	NOUN
bjmsr-2475	294	4	:	:	PUNCT
bjmsr-2475	294	5	the	the	DET
bjmsr-2475	294	6	data	datum	NOUN
bjmsr-2475	294	7	presented	present	VERB
bjmsr-2475	294	8	in	in	ADP
bjmsr-2475	294	9	this	this	DET
bjmsr-2475	294	10	study	study	NOUN
bjmsr-2475	294	11	are	be	AUX
bjmsr-2475	294	12	available	available	ADJ
bjmsr-2475	294	13	on	on	ADP
bjmsr-2475	294	14	request	request	NOUN
bjmsr-2475	294	15	from	from	ADP
bjmsr-2475	294	16	the	the	DET
bjmsr-2475	294	17	corresponding	corresponding	ADJ
bjmsr-2475	294	18	author	author	NOUN
bjmsr-2475	294	19	.	.	PUNCT
bjmsr-2475	295	1	the	the	DET
bjmsr-2475	295	2	data	datum	NOUN
bjmsr-2475	295	3	are	be	AUX
bjmsr-2475	295	4	not	not	PART
bjmsr-2475	295	5	publicly	publicly	ADV
bjmsr-2475	295	6	available	available	ADJ
bjmsr-2475	295	7	due	due	ADP
bjmsr-2475	295	8	to	to	ADP
bjmsr-2475	295	9	restrictions	restriction	NOUN
bjmsr-2475	295	10	.	.	PUNCT
bjmsr-2475	296	1	conflicts	conflict	NOUN
bjmsr-2475	296	2	of	of	ADP
bjmsr-2475	296	3	interest	interest	NOUN
bjmsr-2475	296	4	:	:	PUNCT
bjmsr-2475	296	5	the	the	DET
bjmsr-2475	296	6	authors	author	NOUN
bjmsr-2475	296	7	declare	declare	VERB
bjmsr-2475	296	8	no	no	DET
bjmsr-2475	296	9	conflict	conflict	NOUN
bjmsr-2475	296	10	of	of	ADP
bjmsr-2475	296	11	interest	interest	NOUN
bjmsr-2475	296	12	.	.	PUNCT
bjmsr-2475	297	1	references	reference	NOUN
bjmsr-2475	297	2	abbasi	abbasi	PROPN
bjmsr-2475	297	3	,	,	PUNCT
bjmsr-2475	297	4	g.	g.	PROPN
bjmsr-2475	297	5	a.	a.	PROPN
bjmsr-2475	297	6	,	,	PUNCT
bjmsr-2475	297	7	tiew	tiew	NOUN
bjmsr-2475	297	8	,	,	PUNCT
bjmsr-2475	297	9	l.	l.	PROPN
bjmsr-2475	297	10	y.	y.	PROPN
bjmsr-2475	297	11	,	,	PUNCT
bjmsr-2475	297	12	tang	tang	PROPN
bjmsr-2475	297	13	,	,	PUNCT
bjmsr-2475	297	14	j.	j.	PROPN
bjmsr-2475	297	15	,	,	PUNCT
bjmsr-2475	297	16	goh	goh	PROPN
bjmsr-2475	297	17	,	,	PUNCT
bjmsr-2475	297	18	y.	y.	PROPN
bjmsr-2475	297	19	n.	n.	PROPN
bjmsr-2475	297	20	,	,	PUNCT
bjmsr-2475	297	21	&	&	CCONJ
bjmsr-2475	297	22	thurasamy	thurasamy	PROPN
bjmsr-2475	297	23	,	,	PUNCT
bjmsr-2475	297	24	r.	r.	PROPN
bjmsr-2475	297	25	(	(	PUNCT
bjmsr-2475	297	26	2021	2021	NUM
bjmsr-2475	297	27	)	)	PUNCT
bjmsr-2475	297	28	.	.	PUNCT
bjmsr-2475	298	1	the	the	DET
bjmsr-2475	298	2	adoption	adoption	NOUN
bjmsr-2475	298	3	of	of	ADP
bjmsr-2475	298	4	cryptocurrency	cryptocurrency	NOUN
bjmsr-2475	298	5	aas	aas	NOUN
bjmsr-2475	298	6	a	a	DET
bjmsr-2475	298	7	disruptive	disruptive	ADJ
bjmsr-2475	298	8	force	force	NOUN
bjmsr-2475	298	9	:	:	PUNCT
bjmsr-2475	298	10	deep	deep	ADJ
bjmsr-2475	298	11	learning	learning	NOUN
bjmsr-2475	298	12	-	-	PUNCT
bjmsr-2475	298	13	based	base	VERB
bjmsr-2475	298	14	dual	dual	ADJ
bjmsr-2475	298	15	stage	stage	NOUN
bjmsr-2475	298	16	structural	structural	ADJ
bjmsr-2475	298	17	equation	equation	NOUN
bjmsr-2475	298	18	modelling	modelling	NOUN
bjmsr-2475	298	19	and	and	CCONJ
bjmsr-2475	298	20	artificial	artificial	ADJ
bjmsr-2475	298	21	neural	neural	ADJ
bjmsr-2475	298	22	network	network	NOUN
bjmsr-2475	298	23	analysis	analysis	NOUN
bjmsr-2475	298	24	.	.	PUNCT
bjmsr-2475	299	1	plos	plos	PROPN
bjmsr-2475	299	2	one	one	NUM
bjmsr-2475	299	3	16(3	16(3	NOUN
bjmsr-2475	299	4	)	)	PUNCT
bjmsr-2475	299	5	,	,	PUNCT
bjmsr-2475	300	1	e0247582	e0247582	PROPN
bjmsr-2475	300	2	.	.	PUNCT
bjmsr-2475	301	1	https://doi.org/10.1371/journal.pone.0247582	https://doi.org/10.1371/journal.pone.0247582	PROPN
bjmsr-2475	301	2	.	.	PUNCT
bjmsr-2475	301	3	audrine	audrine	PROPN
bjmsr-2475	301	4	,	,	PUNCT
bjmsr-2475	301	5	p.	p.	NOUN
bjmsr-2475	301	6	,	,	PUNCT
bjmsr-2475	301	7	&	&	CCONJ
bjmsr-2475	301	8	murwani	murwani	PROPN
bjmsr-2475	301	9	,	,	PUNCT
bjmsr-2475	301	10	a.	a.	NOUN
bjmsr-2475	301	11	(	(	PUNCT
bjmsr-2475	301	12	2021	2021	NUM
bjmsr-2475	301	13	)	)	PUNCT
bjmsr-2475	301	14	.	.	PUNCT
bjmsr-2475	302	1	implementing	implement	VERB
bjmsr-2475	302	2	the	the	DET
bjmsr-2475	302	3	digital	digital	ADJ
bjmsr-2475	302	4	economy	economy	NOUN
bjmsr-2475	302	5	enabling	enable	VERB
bjmsr-2475	302	6	environment	environment	NOUN
bjmsr-2475	302	7	guide	guide	NOUN
bjmsr-2475	302	8	:	:	PUNCT
bjmsr-2475	302	9	a	a	DET
bjmsr-2475	302	10	case	case	NOUN
bjmsr-2475	302	11	study	study	NOUN
bjmsr-2475	302	12	from	from	ADP
bjmsr-2475	302	13	indonesia	indonesia	PROPN
bjmsr-2475	302	14	.	.	PUNCT
bjmsr-2475	303	1	center	center	PROPN
bjmsr-2475	303	2	for	for	ADP
bjmsr-2475	303	3	indonesia	indonesia	PROPN
bjmsr-2475	303	4	policy	policy	NOUN
bjmsr-2475	303	5	studies	study	NOUN
bjmsr-2475	303	6	,	,	PUNCT
bjmsr-2475	303	7	discussion	discussion	NOUN
bjmsr-2475	303	8	paper	paper	NOUN
bjmsr-2475	303	9	no	no	DET
bjmsr-2475	303	10	12	12	NUM
bjmsr-2475	303	11	,	,	PUNCT
bjmsr-2475	303	12	1–20	1–20	PROPN
bjmsr-2475	303	13	.	.	PUNCT
bjmsr-2475	304	1	retrieved	retrieve	VERB
bjmsr-2475	304	2	from	from	ADP
bjmsr-2475	304	3	https://www.jstor.org/stable/resrep62581	https://www.jstor.org/stable/resrep62581	NOUN
bjmsr-2475	304	4	chainalysis	chainalysis	NOUN
bjmsr-2475	304	5	.	.	PUNCT
bjmsr-2475	305	1	(	(	PUNCT
bjmsr-2475	305	2	2020	2020	NUM
bjmsr-2475	305	3	)	)	PUNCT
bjmsr-2475	305	4	.	.	PUNCT
bjmsr-2475	306	1	the	the	DET
bjmsr-2475	306	2	2020	2020	NUM
bjmsr-2475	306	3	geography	geography	NOUN
bjmsr-2475	306	4	of	of	ADP
bjmsr-2475	306	5	cryptocurrency	cryptocurrency	NOUN
bjmsr-2475	306	6	report	report	NOUN
bjmsr-2475	306	7	.	.	PUNCT
bjmsr-2475	307	1	retrieved	retrieve	VERB
bjmsr-2475	307	2	from	from	ADP
bjmsr-2475	307	3	https://www.thewealthmosaic.com/vendors/chainalysis/insights/the-chainalysis-2020-geography-of-cryptocurrency-r	https://www.thewealthmosaic.com/vendors/chainalysis/insights/the-chainalysis-2020-geography-of-cryptocurrency-r	PROPN
bjmsr-2475	307	4	celestin	celestin	PROPN
bjmsr-2475	307	5	,	,	PUNCT
bjmsr-2475	307	6	m.	m.	NOUN
bjmsr-2475	307	7	,	,	PUNCT
bjmsr-2475	307	8	&	&	CCONJ
bjmsr-2475	307	9	vanitha	vanitha	PROPN
bjmsr-2475	307	10	,	,	PUNCT
bjmsr-2475	307	11	n.	n.	NOUN
bjmsr-2475	307	12	(	(	PUNCT
bjmsr-2475	307	13	2021	2021	NUM
bjmsr-2475	307	14	)	)	PUNCT
bjmsr-2475	307	15	.	.	PUNCT
bjmsr-2475	308	1	cryptocurrency	cryptocurrency	NOUN
bjmsr-2475	308	2	explained	explain	VERB
bjmsr-2475	308	3	:	:	PUNCT
bjmsr-2475	308	4	what	what	PRON
bjmsr-2475	308	5	you	you	PRON
bjmsr-2475	308	6	need	need	VERB
bjmsr-2475	308	7	to	to	PART
bjmsr-2475	308	8	know	know	VERB
bjmsr-2475	308	9	about	about	ADP
bjmsr-2475	308	10	digital	digital	ADJ
bjmsr-2475	308	11	assets	asset	NOUN
bjmsr-2475	308	12	.	.	PUNCT
bjmsr-2475	309	1	6th	6th	ADJ
bjmsr-2475	309	2	international	international	ADJ
bjmsr-2475	309	3	conference	conference	NOUN
bjmsr-2475	309	4	on	on	ADP
bjmsr-2475	309	5	advanced	advanced	ADJ
bjmsr-2475	309	6	research	research	NOUN
bjmsr-2475	309	7	in	in	ADP
bjmsr-2475	309	8	arts	art	NOUN
bjmsr-2475	309	9	,	,	PUNCT
bjmsr-2475	309	10	science	science	NOUN
bjmsr-2475	309	11	,	,	PUNCT
bjmsr-2475	309	12	engineering	engineering	NOUN
bjmsr-2475	309	13	&	&	CCONJ
bjmsr-2475	309	14	technology	technology	PROPN
bjmsr-2475	309	15	,	,	PUNCT
bjmsr-2475	309	16	160–167	160–167	NUM
bjmsr-2475	309	17	.	.	PUNCT
bjmsr-2475	309	18	retrieved	retrieve	VERB
bjmsr-2475	309	19	from	from	ADP
bjmsr-2475	309	20	https://www.academia.edu/125584376/crypto_currency_explained_what_you_need_to_know	https://www.academia.edu/125584376/crypto_currency_explained_what_you_need_to_know	NOUN
bjmsr-2475	309	21	_	_	PRON
bjmsr-2475	309	22	about_digital_assets	about_digital_assets	X
bjmsr-2475	309	23	cao	cao	PROPN
bjmsr-2475	309	24	,	,	PUNCT
bjmsr-2475	309	25	h.	h.	PROPN
bjmsr-2475	309	26	h.	h.	PROPN
bjmsr-2475	309	27	,	,	PUNCT
bjmsr-2475	309	28	huang	huang	PROPN
bjmsr-2475	309	29	,	,	PUNCT
bjmsr-2475	309	30	y.	y.	PROPN
bjmsr-2475	309	31	,	,	PUNCT
bjmsr-2475	309	32	huang	huang	PROPN
bjmsr-2475	309	33	,	,	PUNCT
bjmsr-2475	309	34	y.	y.	PROPN
bjmsr-2475	309	35	,	,	PUNCT
bjmsr-2475	309	36	yeung	yeung	PROPN
bjmsr-2475	309	37	,	,	PUNCT
bjmsr-2475	309	38	b.	b.	PROPN
bjmsr-2475	309	39	,	,	PUNCT
bjmsr-2475	309	40	&	&	CCONJ
bjmsr-2475	309	41	zhang	zhang	PROPN
bjmsr-2475	309	42	,	,	PUNCT
bjmsr-2475	309	43	x.	x.	NOUN
bjmsr-2475	309	44	(	(	PUNCT
bjmsr-2475	309	45	2023	2023	NUM
bjmsr-2475	309	46	)	)	PUNCT
bjmsr-2475	309	47	.	.	PUNCT
bjmsr-2475	310	1	fintech	fintech	NOUN
bjmsr-2475	310	2	,	,	PUNCT
bjmsr-2475	310	3	financial	financial	ADJ
bjmsr-2475	310	4	inclusion	inclusion	NOUN
bjmsr-2475	310	5	,	,	PUNCT
bjmsr-2475	310	6	digital	digital	ADJ
bjmsr-2475	310	7	currency	currency	NOUN
bjmsr-2475	310	8	,	,	PUNCT
bjmsr-2475	310	9	and	and	CCONJ
bjmsr-2475	310	10	cbdc	cbdc	NOUN
bjmsr-2475	310	11	.	.	PUNCT
bjmsr-2475	311	1	the	the	DET
bjmsr-2475	311	2	journal	journal	NOUN
bjmsr-2475	311	3	of	of	ADP
bjmsr-2475	311	4	finance	finance	NOUN
bjmsr-2475	311	5	and	and	CCONJ
bjmsr-2475	311	6	data	datum	NOUN
bjmsr-2475	311	7	science	science	NOUN
bjmsr-2475	311	8	,	,	PUNCT
bjmsr-2475	311	9	9	9	NUM
bjmsr-2475	311	10	,	,	PUNCT
bjmsr-2475	311	11	1–8	1–8	NUM
bjmsr-2475	311	12	.	.	PUNCT
bjmsr-2475	312	1	https://doi.org/10.1016/j.jfds.2024.100115	https://doi.org/10.1016/j.jfds.2024.100115	PROPN
bjmsr-2475	312	2	demirgüç	demirgüç	PROPN
bjmsr-2475	312	3	-	-	PUNCT
bjmsr-2475	312	4	kunt	kunt	PROPN
bjmsr-2475	312	5	,	,	PUNCT
bjmsr-2475	312	6	a.	a.	PROPN
bjmsr-2475	312	7	,	,	PUNCT
bjmsr-2475	312	8	klapper	klapper	PROPN
bjmsr-2475	312	9	,	,	PUNCT
bjmsr-2475	312	10	l.	l.	PROPN
bjmsr-2475	312	11	,	,	PUNCT
bjmsr-2475	312	12	singer	singer	NOUN
bjmsr-2475	312	13	,	,	PUNCT
bjmsr-2475	312	14	d.	d.	PROPN
bjmsr-2475	312	15	,	,	PUNCT
bjmsr-2475	312	16	ansar	ansar	PROPN
bjmsr-2475	312	17	,	,	PUNCT
bjmsr-2475	312	18	s.	s.	PROPN
bjmsr-2475	312	19	,	,	PUNCT
bjmsr-2475	312	20	&	&	CCONJ
bjmsr-2475	312	21	hess	hess	PROPN
bjmsr-2475	312	22	,	,	PUNCT
bjmsr-2475	312	23	j.	j.	PROPN
bjmsr-2475	312	24	(	(	PUNCT
bjmsr-2475	312	25	2018	2018	NUM
bjmsr-2475	312	26	)	)	PUNCT
bjmsr-2475	312	27	.	.	PUNCT
bjmsr-2475	313	1	the	the	DET
bjmsr-2475	313	2	global	global	ADJ
bjmsr-2475	313	3	findex	findex	PROPN
bjmsr-2475	313	4	database	database	PROPN
bjmsr-2475	313	5	2017	2017	NUM
bjmsr-2475	313	6	:	:	PUNCT
bjmsr-2475	313	7	measuring	measure	VERB
bjmsr-2475	313	8	financial	financial	ADJ
bjmsr-2475	313	9	inclusion	inclusion	NOUN
bjmsr-2475	313	10	and	and	CCONJ
bjmsr-2475	313	11	the	the	DET
bjmsr-2475	313	12	fintech	fintech	NOUN
bjmsr-2475	313	13	revolution	revolution	NOUN
bjmsr-2475	313	14	.	.	PUNCT
bjmsr-2475	314	1	world	world	PROPN
bjmsr-2475	314	2	bank	bank	PROPN
bjmsr-2475	314	3	group	group	NOUN
bjmsr-2475	314	4	.	.	PUNCT
bjmsr-2475	315	1	https://doi.org/10.1596/978-1-4648-1259-0	https://doi.org/10.1596/978-1-4648-1259-0	PROPN
bjmsr-2475	315	2	dalal	dalal	PROPN
bjmsr-2475	315	3	,	,	PUNCT
bjmsr-2475	315	4	k.	k.	PROPN
bjmsr-2475	315	5	(	(	PUNCT
bjmsr-2475	315	6	2011	2011	NUM
bjmsr-2475	315	7	)	)	PUNCT
bjmsr-2475	315	8	.	.	PUNCT
bjmsr-2475	316	1	does	do	VERB
bjmsr-2475	316	2	economic	economic	ADJ
bjmsr-2475	316	3	empowerment	empowerment	NOUN
bjmsr-2475	316	4	protect	protect	NOUN
bjmsr-2475	316	5	women	woman	NOUN
bjmsr-2475	316	6	from	from	ADP
bjmsr-2475	316	7	intimate	intimate	ADJ
bjmsr-2475	316	8	partner	partner	NOUN
bjmsr-2475	316	9	violence	violence	NOUN
bjmsr-2475	316	10	?	?	PUNCT
bjmsr-2475	316	11	.	.	PUNCT
bjmsr-2475	317	1	journal	journal	PROPN
bjmsr-2475	317	2	of	of	ADP
bjmsr-2475	317	3	injury	injury	NOUN
bjmsr-2475	317	4	and	and	CCONJ
bjmsr-2475	317	5	violence	violence	NOUN
bjmsr-2475	317	6	research	research	NOUN
bjmsr-2475	317	7	,	,	PUNCT
bjmsr-2475	317	8	3(1	3(1	NUM
bjmsr-2475	317	9	)	)	PUNCT
bjmsr-2475	317	10	,	,	PUNCT
bjmsr-2475	317	11	35	35	NUM
bjmsr-2475	317	12	.	.	PUNCT
bjmsr-2475	317	13	retrieved	retrieve	VERB
bjmsr-2475	317	14	from	from	ADP
bjmsr-2475	317	15	https://pubmed.ncbi.nlm.nih.gov/21483213	https://pubmed.ncbi.nlm.nih.gov/21483213	PROPN
bjmsr-2475	317	16	dwivedi	dwivedi	PROPN
bjmsr-2475	317	17	,	,	PUNCT
bjmsr-2475	317	18	y.	y.	PROPN
bjmsr-2475	317	19	k.	k.	PROPN
bjmsr-2475	317	20	,	,	PUNCT
bjmsr-2475	317	21	rana	rana	PROPN
bjmsr-2475	317	22	,	,	PUNCT
bjmsr-2475	317	23	n.	n.	PROPN
bjmsr-2475	317	24	p.	p.	PROPN
bjmsr-2475	317	25	,	,	PUNCT
bjmsr-2475	317	26	jeyaraj	jeyaraj	PROPN
bjmsr-2475	317	27	,	,	PUNCT
bjmsr-2475	317	28	a.	a.	PROPN
bjmsr-2475	317	29	,	,	PUNCT
bjmsr-2475	317	30	clement	clement	PROPN
bjmsr-2475	317	31	,	,	PUNCT
bjmsr-2475	317	32	m.	m.	NOUN
bjmsr-2475	317	33	,	,	PUNCT
bjmsr-2475	317	34	&	&	CCONJ
bjmsr-2475	317	35	williams	williams	PROPN
bjmsr-2475	317	36	,	,	PUNCT
bjmsr-2475	317	37	m.	m.	PROPN
bjmsr-2475	317	38	d.	d.	PROPN
bjmsr-2475	317	39	(	(	PUNCT
bjmsr-2475	317	40	2019	2019	NUM
bjmsr-2475	317	41	)	)	PUNCT
bjmsr-2475	317	42	.	.	PUNCT
bjmsr-2475	318	1	re	re	VERB
bjmsr-2475	318	2	-	-	VERB
bjmsr-2475	318	3	examining	examine	VERB
bjmsr-2475	318	4	the	the	DET
bjmsr-2475	318	5	unified	unified	ADJ
bjmsr-2475	318	6	theory	theory	NOUN
bjmsr-2475	318	7	of	of	ADP
bjmsr-2475	318	8	acceptance	acceptance	NOUN
bjmsr-2475	318	9	and	and	CCONJ
bjmsr-2475	318	10	use	use	NOUN
bjmsr-2475	318	11	of	of	ADP
bjmsr-2475	318	12	technology	technology	NOUN
bjmsr-2475	318	13	(	(	PUNCT
bjmsr-2475	318	14	utaut	utaut	PROPN
bjmsr-2475	318	15	):	):	PUNCT
bjmsr-2475	318	16	towards	towards	ADP
bjmsr-2475	318	17	a	a	DET
bjmsr-2475	318	18	revised	revise	VERB
bjmsr-2475	318	19	theoretical	theoretical	ADJ
bjmsr-2475	318	20	model	model	NOUN
bjmsr-2475	318	21	.	.	PUNCT
bjmsr-2475	319	1	information	information	NOUN
bjmsr-2475	319	2	systems	system	NOUN
bjmsr-2475	319	3	frontiers	frontier	NOUN
bjmsr-2475	319	4	,	,	PUNCT
bjmsr-2475	319	5	21	21	NUM
bjmsr-2475	319	6	,	,	PUNCT
bjmsr-2475	319	7	719–734	719–734	NUM
bjmsr-2475	319	8	.	.	PUNCT
bjmsr-2475	320	1	https://doi.org/10.1007/s10796-017-9774-y	https://doi.org/10.1007/s10796-017-9774-y	PROPN
bjmsr-2475	320	2	.	.	PUNCT
bjmsr-2475	320	3	ekman	ekman	PROPN
bjmsr-2475	320	4	,	,	PUNCT
bjmsr-2475	320	5	a.	a.	NOUN
bjmsr-2475	320	6	(	(	PUNCT
bjmsr-2475	320	7	2021	2021	NUM
bjmsr-2475	320	8	)	)	PUNCT
bjmsr-2475	320	9	.	.	PUNCT
bjmsr-2475	321	1	china	china	PROPN
bjmsr-2475	321	2	’s	’s	PART
bjmsr-2475	321	3	blockchain	blockchain	PROPN
bjmsr-2475	321	4	and	and	CCONJ
bjmsr-2475	321	5	cryptocurrency	cryptocurrency	NOUN
bjmsr-2475	321	6	ambitions	ambition	NOUN
bjmsr-2475	321	7	:	:	PUNCT
bjmsr-2475	321	8	the	the	DET
bjmsr-2475	321	9	first	first	ADJ
bjmsr-2475	321	10	-	-	PUNCT
bjmsr-2475	321	11	mover	mover	NOUN
bjmsr-2475	321	12	advantage	advantage	NOUN
bjmsr-2475	321	13	.	.	PUNCT
bjmsr-2475	322	1	european	european	PROPN
bjmsr-2475	322	2	union	union	PROPN
bjmsr-2475	322	3	institute	institute	PROPN
bjmsr-2475	322	4	for	for	ADP
bjmsr-2475	322	5	security	security	NOUN
bjmsr-2475	322	6	studies	study	NOUN
bjmsr-2475	322	7	,	,	PUNCT
bjmsr-2475	322	8	1	1	NUM
bjmsr-2475	322	9	-	-	SYM
bjmsr-2475	322	10	9	9	NUM
bjmsr-2475	322	11	.	.	PUNCT
bjmsr-2475	322	12	retrieved	retrieve	VERB
bjmsr-2475	322	13	from	from	ADP
bjmsr-2475	322	14	https://www.jstor.org/stable/resrep34058	https://www.jstor.org/stable/resrep34058	PROPN
bjmsr-2475	322	15	el	el	PROPN
bjmsr-2475	322	16	amri	amri	PROPN
bjmsr-2475	322	17	,	,	PUNCT
bjmsr-2475	322	18	m.	m.	PROPN
bjmsr-2475	322	19	c.	c.	PROPN
bjmsr-2475	322	20	,	,	PUNCT
bjmsr-2475	322	21	mohammed	mohammed	PROPN
bjmsr-2475	322	22	,	,	PUNCT
bjmsr-2475	322	23	m.	m.	NOUN
bjmsr-2475	322	24	o.	o.	PROPN
bjmsr-2475	322	25	,	,	PUNCT
bjmsr-2475	322	26	&	&	CCONJ
bjmsr-2475	322	27	bakr	bakr	PROPN
bjmsr-2475	322	28	,	,	PUNCT
bjmsr-2475	322	29	a.	a.	NOUN
bjmsr-2475	322	30	m.	m.	NOUN
bjmsr-2475	322	31	(	(	PUNCT
bjmsr-2475	322	32	2021	2021	NUM
bjmsr-2475	322	33	)	)	PUNCT
bjmsr-2475	322	34	.	.	PUNCT
bjmsr-2475	323	1	enhancing	enhance	VERB
bjmsr-2475	323	2	financial	financial	ADJ
bjmsr-2475	323	3	inclusion	inclusion	NOUN
bjmsr-2475	323	4	using	use	VERB
bjmsr-2475	323	5	fintech	fintech	NOUN
bjmsr-2475	323	6	-	-	PUNCT
bjmsr-2475	323	7	based	base	VERB
bjmsr-2475	323	8	payment	payment	NOUN
bjmsr-2475	323	9	systems	system	NOUN
bjmsr-2475	323	10	.	.	PUNCT
bjmsr-2475	324	1	islamic	islamic	ADJ
bjmsr-2475	324	2	fintech	fintech	NOUN
bjmsr-2475	324	3	:	:	PUNCT
bjmsr-2475	324	4	insights	insight	NOUN
bjmsr-2475	324	5	and	and	CCONJ
bjmsr-2475	324	6	solutions	solution	NOUN
bjmsr-2475	324	7	.	.	PUNCT
bjmsr-2475	325	1	chapter	chapter	NOUN
bjmsr-2475	325	2	11	11	NUM
bjmsr-2475	325	3	,	,	PUNCT
bjmsr-2475	325	4	191–207	191–207	NUM
bjmsr-2475	325	5	.	.	PUNCT
bjmsr-2475	326	1	https://doi.org/10.1007/978-3-030-458270_11	https://doi.org/10.1007/978-3-030-458270_11	PROPN
bjmsr-2475	326	2	el	el	PROPN
bjmsr-2475	326	3	hajj	hajj	PROPN
bjmsr-2475	326	4	,	,	PUNCT
bjmsr-2475	326	5	m.	m.	NOUN
bjmsr-2475	326	6	,	,	PUNCT
bjmsr-2475	326	7	&	&	CCONJ
bjmsr-2475	326	8	farran	farran	PROPN
bjmsr-2475	326	9	,	,	PUNCT
bjmsr-2475	326	10	i.	i.	NOUN
bjmsr-2475	326	11	(	(	PUNCT
bjmsr-2475	326	12	2024	2024	NUM
bjmsr-2475	326	13	)	)	PUNCT
bjmsr-2475	326	14	.	.	PUNCT
bjmsr-2475	327	1	the	the	DET
bjmsr-2475	327	2	cryptocurrencies	cryptocurrencie	NOUN
bjmsr-2475	327	3	in	in	ADP
bjmsr-2475	327	4	emerging	emerge	VERB
bjmsr-2475	327	5	markets	market	NOUN
bjmsr-2475	327	6	:	:	PUNCT
bjmsr-2475	327	7	enhancing	enhance	VERB
bjmsr-2475	327	8	financial	financial	ADJ
bjmsr-2475	327	9	inclusion	inclusion	NOUN
bjmsr-2475	327	10	and	and	CCONJ
bjmsr-2475	327	11	economic	economic	ADJ
bjmsr-2475	327	12	empowerment	empowerment	NOUN
bjmsr-2475	327	13	.	.	PUNCT
bjmsr-2475	328	1	journal	journal	NOUN
bjmsr-2475	328	2	of	of	ADP
bjmsr-2475	328	3	risk	risk	NOUN
bjmsr-2475	328	4	and	and	CCONJ
bjmsr-2475	328	5	financial	financial	ADJ
bjmsr-2475	328	6	management	management	NOUN
bjmsr-2475	328	7	,	,	PUNCT
bjmsr-2475	328	8	17(10	17(10	NUM
bjmsr-2475	328	9	)	)	PUNCT
bjmsr-2475	328	10	,	,	PUNCT
bjmsr-2475	328	11	467	467	X
bjmsr-2475	328	12	.	.	PUNCT
bjmsr-2475	329	1	https://doi.org/10.3390/jrfm17100467	https://doi.org/10.3390/jrfm17100467	ADJ
bjmsr-2475	329	2	garcía	garcía	NOUN
bjmsr-2475	329	3	-	-	PUNCT
bjmsr-2475	329	4	monleón	monleón	NOUN
bjmsr-2475	329	5	,	,	PUNCT
bjmsr-2475	329	6	f.	f.	PROPN
bjmsr-2475	329	7	,	,	PUNCT
bjmsr-2475	329	8	erdmann	erdmann	PROPN
bjmsr-2475	329	9	,	,	PUNCT
bjmsr-2475	329	10	a.	a.	NOUN
bjmsr-2475	329	11	,	,	PUNCT
bjmsr-2475	329	12	&	&	CCONJ
bjmsr-2475	329	13	arilla	arilla	PROPN
bjmsr-2475	329	14	,	,	PUNCT
bjmsr-2475	329	15	r.	r.	PROPN
bjmsr-2475	329	16	(	(	PUNCT
bjmsr-2475	329	17	2023	2023	NUM
bjmsr-2475	329	18	)	)	PUNCT
bjmsr-2475	329	19	.	.	PUNCT
bjmsr-2475	330	1	a	a	DET
bjmsr-2475	330	2	value	value	NOUN
bjmsr-2475	330	3	-	-	PUNCT
bjmsr-2475	330	4	based	base	VERB
bjmsr-2475	330	5	approach	approach	NOUN
bjmsr-2475	330	6	to	to	ADP
bjmsr-2475	330	7	the	the	DET
bjmsr-2475	330	8	adoption	adoption	NOUN
bjmsr-2475	330	9	of	of	ADP
bjmsr-2475	330	10	cryptocurrencies	cryptocurrencie	NOUN
bjmsr-2475	330	11	.	.	PUNCT
bjmsr-2475	331	1	journal	journal	PROPN
bjmsr-2475	331	2	of	of	ADP
bjmsr-2475	331	3	innovation	innovation	NOUN
bjmsr-2475	331	4	&	&	CCONJ
bjmsr-2475	331	5	knowledge	knowledge	PROPN
bjmsr-2475	331	6	,	,	PUNCT
bjmsr-2475	331	7	8(2	8(2	NUM
bjmsr-2475	331	8	)	)	PUNCT
bjmsr-2475	331	9	,	,	PUNCT
bjmsr-2475	331	10	1	1	NUM
bjmsr-2475	331	11	-	-	SYM
bjmsr-2475	331	12	10	10	NUM
bjmsr-2475	331	13	,	,	PUNCT
bjmsr-2475	331	14	100342	100342	NUM
bjmsr-2475	331	15	.	.	PUNCT
bjmsr-2475	332	1	https://doi.org/10.1016/j.jik.2023.100342	https://doi.org/10.1016/j.jik.2023.100342	PROPN
bjmsr-2475	333	1	https://doi.org/10.1371/journal.pone.0247582	https://doi.org/10.1371/journal.pone.0247582	ADJ
bjmsr-2475	333	2	https://www.jstor.org/stable/resrep62581	https://www.jstor.org/stable/resrep62581	NOUN
bjmsr-2475	333	3	https://www.academia.edu/125584376/crypto_currency_explained_what_you_need_to_know_about_digital_assets	https://www.academia.edu/125584376/crypto_currency_explained_what_you_need_to_know_about_digital_asset	NOUN
bjmsr-2475	333	4	https://www.academia.edu/125584376/crypto_currency_explained_what_you_need_to_know_about_digital_assets	https://www.academia.edu/125584376/crypto_currency_explained_what_you_need_to_know_about_digital_asset	NOUN
bjmsr-2475	333	5	https://www.academia.edu/125584376/crypto_currency_explained_what_you_need_to_know_about_digital_assets	https://www.academia.edu/125584376/crypto_currency_explained_what_you_need_to_know_about_digital_asset	NOUN
bjmsr-2475	333	6	https://doi.org/10.1016/j.jfds.2024.100115	https://doi.org/10.1016/j.jfds.2024.100115	PROPN
bjmsr-2475	333	7	https://doi.org/10.1596/978-1-4648-1259-0	https://doi.org/10.1596/978-1-4648-1259-0	INTJ
bjmsr-2475	333	8	https://doi.org/10.1007/s10796-017-9774-y	https://doi.org/10.1007/s10796-017-9774-y	VERB
bjmsr-2475	333	9	https://www.jstor.org/stable/resrep34058	https://www.jstor.org/stable/resrep34058	ADJ
bjmsr-2475	334	1	https://doi.org/10.1007/978-3-030-45827-0_11	https://doi.org/10.1007/978-3-030-45827-0_11	ADJ
bjmsr-2475	334	2	https://doi.org/10.1007/978-3-030-45827-0_11	https://doi.org/10.1007/978-3-030-45827-0_11	PROPN
bjmsr-2475	334	3	https://doi.org/10.3390/jrfm17100467	https://doi.org/10.3390/jrfm17100467	ADJ
bjmsr-2475	334	4	https://doi.org/10.1016/j.jik.2023.100342	https://doi.org/10.1016/j.jik.2023.100342	PROPN
bjmsr-2475	334	5	ferli	ferli	NOUN
bjmsr-2475	334	6	et	et	PROPN
bjmsr-2475	334	7	al	al	PROPN
bjmsr-2475	334	8	.	.	PROPN
bjmsr-2475	334	9	,	,	PUNCT
bjmsr-2475	334	10	bangladesh	bangladesh	PROPN
bjmsr-2475	334	11	journal	journal	NOUN
bjmsr-2475	334	12	of	of	ADP
bjmsr-2475	334	13	multidisciplinary	multidisciplinary	ADJ
bjmsr-2475	334	14	scientific	scientific	ADJ
bjmsr-2475	334	15	research	research	NOUN
bjmsr-2475	334	16	10(5	10(5	NOUN
bjmsr-2475	334	17	)	)	PUNCT
bjmsr-2475	334	18	(	(	PUNCT
bjmsr-2475	334	19	2025	2025	NUM
bjmsr-2475	334	20	)	)	PUNCT
bjmsr-2475	334	21	,	,	PUNCT
bjmsr-2475	334	22	46	46	NUM
bjmsr-2475	334	23	-	-	SYM
bjmsr-2475	334	24	55	55	NUM
bjmsr-2475	334	25	55	55	NUM
bjmsr-2475	334	26	golumbia	golumbia	NOUN
bjmsr-2475	334	27	,	,	PUNCT
bjmsr-2475	334	28	d.	d.	PROPN
bjmsr-2475	334	29	(	(	PUNCT
bjmsr-2475	334	30	2016	2016	NUM
bjmsr-2475	334	31	)	)	PUNCT
bjmsr-2475	334	32	.	.	PUNCT
bjmsr-2475	335	1	the	the	DET
bjmsr-2475	335	2	politics	politic	NOUN
bjmsr-2475	335	3	of	of	ADP
bjmsr-2475	335	4	bitcoin	bitcoin	NOUN
bjmsr-2475	335	5	:	:	PUNCT
bjmsr-2475	335	6	software	software	NOUN
bjmsr-2475	335	7	as	as	ADP
bjmsr-2475	335	8	right	right	ADJ
bjmsr-2475	335	9	-	-	PUNCT
bjmsr-2475	335	10	wing	wing	NOUN
bjmsr-2475	335	11	extremism	extremism	NOUN
bjmsr-2475	335	12	.	.	PUNCT
bjmsr-2475	336	1	journal	journal	NOUN
bjmsr-2475	336	2	of	of	ADP
bjmsr-2475	336	3	cultural	cultural	ADJ
bjmsr-2475	336	4	economy	economy	NOUN
bjmsr-2475	336	5	,	,	PUNCT
bjmsr-2475	336	6	10(5	10(5	NUM
bjmsr-2475	336	7	)	)	PUNCT
bjmsr-2475	336	8	,	,	PUNCT
bjmsr-2475	336	9	474	474	NUM
bjmsr-2475	336	10	-	-	SYM
bjmsr-2475	336	11	484	484	NUM
bjmsr-2475	336	12	.	.	PUNCT
bjmsr-2475	337	1	http://dx.doi.org/10.1080/17530350.2017.1322997	http://dx.doi.org/10.1080/17530350.2017.1322997	PROPN
bjmsr-2475	337	2	harsono	harsono	PROPN
bjmsr-2475	337	3	,	,	PUNCT
bjmsr-2475	337	4	h.	h.	PROPN
bjmsr-2475	337	5	(	(	PUNCT
bjmsr-2475	337	6	2020	2020	NUM
bjmsr-2475	337	7	)	)	PUNCT
bjmsr-2475	337	8	.	.	PUNCT
bjmsr-2475	338	1	prioritizing	prioritize	VERB
bjmsr-2475	338	2	sof	sof	VERB
bjmsr-2475	338	3	counter	counter	NOUN
bjmsr-2475	338	4	-	-	NOUN
bjmsr-2475	338	5	threat	threat	ADJ
bjmsr-2475	338	6	financing	financing	NOUN
bjmsr-2475	338	7	efforts	effort	NOUN
bjmsr-2475	338	8	in	in	ADP
bjmsr-2475	338	9	the	the	DET
bjmsr-2475	338	10	digital	digital	ADJ
bjmsr-2475	338	11	domain	domain	NOUN
bjmsr-2475	338	12	.	.	PUNCT
bjmsr-2475	339	1	the	the	DET
bjmsr-2475	339	2	cyber	cyber	PROPN
bjmsr-2475	339	3	defense	defense	PROPN
bjmsr-2475	339	4	review	review	NOUN
bjmsr-2475	339	5	,	,	PUNCT
bjmsr-2475	339	6	5(3	5(3	NUM
bjmsr-2475	339	7	)	)	PUNCT
bjmsr-2475	339	8	,	,	PUNCT
bjmsr-2475	339	9	153–160	153–160	NUM
bjmsr-2475	339	10	.	.	PUNCT
bjmsr-2475	339	11	https://www.jstor.org/stable/26954878	https://www.jstor.org/stable/26954878	ADJ
bjmsr-2475	339	12	holtmeier	holtmeier	NOUN
bjmsr-2475	339	13	,	,	PUNCT
bjmsr-2475	339	14	m.	m.	NOUN
bjmsr-2475	339	15	,	,	PUNCT
bjmsr-2475	339	16	&	&	CCONJ
bjmsr-2475	339	17	sandner	sandner	PROPN
bjmsr-2475	339	18	,	,	PUNCT
bjmsr-2475	339	19	p.	p.	NOUN
bjmsr-2475	339	20	(	(	PUNCT
bjmsr-2475	339	21	2019	2019	NUM
bjmsr-2475	339	22	)	)	PUNCT
bjmsr-2475	339	23	.	.	PUNCT
bjmsr-2475	340	1	the	the	DET
bjmsr-2475	340	2	impact	impact	NOUN
bjmsr-2475	340	3	of	of	ADP
bjmsr-2475	340	4	crypto	crypto	ADJ
bjmsr-2475	340	5	currencies	currency	NOUN
bjmsr-2475	340	6	on	on	ADP
bjmsr-2475	340	7	developing	develop	VERB
bjmsr-2475	340	8	countries	country	NOUN
bjmsr-2475	340	9	.	.	PUNCT
bjmsr-2475	341	1	frankfurt	frankfurt	PROPN
bjmsr-2475	341	2	school	school	PROPN
bjmsr-2475	341	3	blockchain	blockchain	PROPN
bjmsr-2475	341	4	center	center	PROPN
bjmsr-2475	341	5	working	work	VERB
bjmsr-2475	341	6	paper	paper	NOUN
bjmsr-2475	341	7	.	.	PUNCT
bjmsr-2475	342	1	1	1	NUM
bjmsr-2475	342	2	-	-	SYM
bjmsr-2475	342	3	22	22	NUM
bjmsr-2475	342	4	.	.	PUNCT
bjmsr-2475	342	5	retrieved	retrieve	VERB
bjmsr-2475	342	6	from	from	ADP
bjmsr-2475	342	7	https://philippsandner.medium.com/the-impact-of-crypto-currencies-ondeveloping-countries-dce44c529d6b	https://philippsandner.medium.com/the-impact-of-crypto-currencies-ondeveloping-countries-dce44c529d6b	PROPN
bjmsr-2475	342	8	hsiao	hsiao	PROPN
bjmsr-2475	342	9	,	,	PUNCT
bjmsr-2475	342	10	c.	c.	PROPN
bjmsr-2475	342	11	c.	c.	PROPN
bjmsr-2475	342	12	,	,	PUNCT
bjmsr-2475	342	13	huang	huang	PROPN
bjmsr-2475	342	14	,	,	PUNCT
bjmsr-2475	342	15	j.	j.	PROPN
bjmsr-2475	342	16	c.	c.	PROPN
bjmsr-2475	342	17	h.	h.	PROPN
bjmsr-2475	342	18	,	,	PUNCT
bjmsr-2475	342	19	huang	huang	PROPN
bjmsr-2475	342	20	,	,	PUNCT
bjmsr-2475	342	21	a.	a.	PROPN
bjmsr-2475	342	22	y.	y.	PROPN
bjmsr-2475	342	23	q.	q.	PROPN
bjmsr-2475	342	24	,	,	PUNCT
bjmsr-2475	342	25	lu	lu	PROPN
bjmsr-2475	342	26	,	,	PUNCT
bjmsr-2475	342	27	o.	o.	PROPN
bjmsr-2475	342	28	h.	h.	PROPN
bjmsr-2475	342	29	t.	t.	PROPN
bjmsr-2475	342	30	,	,	PUNCT
bjmsr-2475	342	31	yin	yin	PROPN
bjmsr-2475	342	32	,	,	PUNCT
bjmsr-2475	342	33	c.	c.	PROPN
bjmsr-2475	342	34	j.	j.	PROPN
bjmsr-2475	342	35	,	,	PUNCT
bjmsr-2475	342	36	&	&	CCONJ
bjmsr-2475	342	37	yang	yang	PROPN
bjmsr-2475	342	38	,	,	PUNCT
bjmsr-2475	342	39	s.	s.	PROPN
bjmsr-2475	342	40	j.	j.	PROPN
bjmsr-2475	342	41	h.	h.	PROPN
bjmsr-2475	342	42	(	(	PUNCT
bjmsr-2475	342	43	2018	2018	NUM
bjmsr-2475	342	44	)	)	PUNCT
bjmsr-2475	342	45	.	.	PUNCT
bjmsr-2475	343	1	exploring	explore	VERB
bjmsr-2475	343	2	the	the	DET
bjmsr-2475	343	3	effects	effect	NOUN
bjmsr-2475	343	4	of	of	ADP
bjmsr-2475	343	5	online	online	ADJ
bjmsr-2475	343	6	learning	learn	VERB
bjmsr-2475	343	7	behaviors	behavior	NOUN
bjmsr-2475	343	8	on	on	ADP
bjmsr-2475	343	9	short	short	ADJ
bjmsr-2475	343	10	-	-	PUNCT
bjmsr-2475	343	11	term	term	NOUN
bjmsr-2475	343	12	and	and	CCONJ
bjmsr-2475	343	13	long	long	ADJ
bjmsr-2475	343	14	-	-	PUNCT
bjmsr-2475	343	15	term	term	NOUN
bjmsr-2475	343	16	learning	learn	VERB
bjmsr-2475	343	17	outcomes	outcome	NOUN
bjmsr-2475	343	18	in	in	ADP
bjmsr-2475	343	19	flipped	flip	VERB
bjmsr-2475	343	20	classrooms	classroom	NOUN
bjmsr-2475	343	21	.	.	PUNCT
bjmsr-2475	344	1	interactive	interactive	ADJ
bjmsr-2475	344	2	learning	learning	NOUN
bjmsr-2475	344	3	environments	environment	NOUN
bjmsr-2475	344	4	,	,	PUNCT
bjmsr-2475	344	5	27(8	27(8	NUM
bjmsr-2475	344	6	)	)	PUNCT
bjmsr-2475	344	7	,	,	PUNCT
bjmsr-2475	344	8	1160–1177	1160–1177	NUM
bjmsr-2475	344	9	.	.	PUNCT
bjmsr-2475	344	10	https://doi.org/10.1080/10494820.2018.1522651	https://doi.org/10.1080/10494820.2018.1522651	PROPN
bjmsr-2475	345	1	le	le	X
bjmsr-2475	345	2	,	,	PUNCT
bjmsr-2475	345	3	a.	a.	PROPN
bjmsr-2475	345	4	h.	h.	PROPN
bjmsr-2475	345	5	(	(	PUNCT
bjmsr-2475	345	6	2025	2025	NUM
bjmsr-2475	345	7	)	)	PUNCT
bjmsr-2475	345	8	.	.	PUNCT
bjmsr-2475	346	1	central	central	PROPN
bjmsr-2475	346	2	bank	bank	PROPN
bjmsr-2475	346	3	digital	digital	ADJ
bjmsr-2475	346	4	currency	currency	NOUN
bjmsr-2475	346	5	and	and	CCONJ
bjmsr-2475	346	6	cryptocurrency	cryptocurrency	NOUN
bjmsr-2475	346	7	in	in	ADP
bjmsr-2475	346	8	emerging	emerge	VERB
bjmsr-2475	346	9	markets	market	NOUN
bjmsr-2475	346	10	.	.	PUNCT
bjmsr-2475	347	1	international	international	ADJ
bjmsr-2475	347	2	economics	economic	NOUN
bjmsr-2475	347	3	,	,	PUNCT
bjmsr-2475	347	4	181	181	NUM
bjmsr-2475	347	5	,	,	PUNCT
bjmsr-2475	347	6	100577	100577	NUM
bjmsr-2475	347	7	.	.	PUNCT
bjmsr-2475	348	1	https://doi.org/10.1016/j.inteco.2024.100577	https://doi.org/10.1016/j.inteco.2024.100577	PROPN
bjmsr-2475	348	2	mabrouk	mabrouk	PROPN
bjmsr-2475	348	3	,	,	PUNCT
bjmsr-2475	348	4	f.	f.	PROPN
bjmsr-2475	348	5	,	,	PUNCT
bjmsr-2475	348	6	bousrih	bousrih	PROPN
bjmsr-2475	348	7	,	,	PUNCT
bjmsr-2475	348	8	j.	j.	PROPN
bjmsr-2475	348	9	,	,	PUNCT
bjmsr-2475	348	10	elhaj	elhaj	PROPN
bjmsr-2475	348	11	,	,	PUNCT
bjmsr-2475	348	12	m.	m.	NOUN
bjmsr-2475	348	13	,	,	PUNCT
bjmsr-2475	348	14	binsuwadan	binsuwadan	PROPN
bjmsr-2475	348	15	,	,	PUNCT
bjmsr-2475	348	16	j.	j.	PROPN
bjmsr-2475	348	17	,	,	PUNCT
bjmsr-2475	348	18	&	&	CCONJ
bjmsr-2475	348	19	alofaysan	alofaysan	ADJ
bjmsr-2475	348	20	,	,	PUNCT
bjmsr-2475	348	21	h.	h.	PROPN
bjmsr-2475	348	22	(	(	PUNCT
bjmsr-2475	348	23	2023	2023	NUM
bjmsr-2475	348	24	)	)	PUNCT
bjmsr-2475	348	25	.	.	PUNCT
bjmsr-2475	349	1	empowering	empower	VERB
bjmsr-2475	349	2	women	woman	NOUN
bjmsr-2475	349	3	through	through	ADP
bjmsr-2475	349	4	digital	digital	ADJ
bjmsr-2475	349	5	financial	financial	ADJ
bjmsr-2475	349	6	inclusion	inclusion	NOUN
bjmsr-2475	349	7	:	:	PUNCT
bjmsr-2475	349	8	comparative	comparative	ADJ
bjmsr-2475	349	9	study	study	NOUN
bjmsr-2475	349	10	before	before	ADP
bjmsr-2475	349	11	and	and	CCONJ
bjmsr-2475	349	12	after	after	ADP
bjmsr-2475	349	13	covid-19	covid-19	PROPN
bjmsr-2475	349	14	.	.	PUNCT
bjmsr-2475	349	15	sustainability	sustainability	NOUN
bjmsr-2475	349	16	,	,	PUNCT
bjmsr-2475	349	17	15(12	15(12	NUM
bjmsr-2475	349	18	)	)	PUNCT
bjmsr-2475	349	19	,	,	PUNCT
bjmsr-2475	349	20	9154	9154	NUM
bjmsr-2475	349	21	,	,	PUNCT
bjmsr-2475	349	22	1–17	1–17	PROPN
bjmsr-2475	349	23	.	.	PUNCT
bjmsr-2475	350	1	https://doi.org/10.3390/su15129154	https://doi.org/10.3390/su15129154	PRON
bjmsr-2475	350	2	omane	omane	PROPN
bjmsr-2475	350	3	-	-	PUNCT
bjmsr-2475	350	4	adjepong	adjepong	NOUN
bjmsr-2475	350	5	,	,	PUNCT
bjmsr-2475	350	6	m.	m.	NOUN
bjmsr-2475	350	7	,	,	PUNCT
bjmsr-2475	350	8	&	&	CCONJ
bjmsr-2475	350	9	alagidede	alagidede	PROPN
bjmsr-2475	350	10	,	,	PUNCT
bjmsr-2475	350	11	i.	i.	PROPN
bjmsr-2475	350	12	p.	p.	PROPN
bjmsr-2475	350	13	(	(	PUNCT
bjmsr-2475	350	14	2020	2020	NUM
bjmsr-2475	350	15	)	)	PUNCT
bjmsr-2475	350	16	.	.	PUNCT
bjmsr-2475	351	1	dynamic	dynamic	ADJ
bjmsr-2475	351	2	linkages	linkage	NOUN
bjmsr-2475	351	3	and	and	CCONJ
bjmsr-2475	351	4	economic	economic	ADJ
bjmsr-2475	351	5	role	role	NOUN
bjmsr-2475	351	6	of	of	ADP
bjmsr-2475	351	7	leading	lead	VERB
bjmsr-2475	351	8	cryptocurrencies	cryptocurrencie	NOUN
bjmsr-2475	351	9	in	in	ADP
bjmsr-2475	351	10	an	an	DET
bjmsr-2475	351	11	emerging	emerge	VERB
bjmsr-2475	351	12	market	market	NOUN
bjmsr-2475	351	13	.	.	PUNCT
bjmsr-2475	352	1	asia	asia	PROPN
bjmsr-2475	352	2	-	-	PUNCT
bjmsr-2475	352	3	pacific	pacific	ADJ
bjmsr-2475	352	4	financial	financial	ADJ
bjmsr-2475	352	5	markets	market	NOUN
bjmsr-2475	352	6	,	,	PUNCT
bjmsr-2475	352	7	27	27	NUM
bjmsr-2475	352	8	,	,	PUNCT
bjmsr-2475	352	9	537	537	NUM
bjmsr-2475	352	10	-	-	SYM
bjmsr-2475	352	11	585	585	NUM
bjmsr-2475	352	12	.	.	PUNCT
bjmsr-2475	353	1	https://doi.org/10.1007/s10690-020-09306-4	https://doi.org/10.1007/s10690-020-09306-4	PROPN
bjmsr-2475	353	2	ozili	ozili	PROPN
bjmsr-2475	353	3	,	,	PUNCT
bjmsr-2475	353	4	p.	p.	PROPN
bjmsr-2475	353	5	k.	k.	PROPN
bjmsr-2475	353	6	(	(	PUNCT
bjmsr-2475	353	7	2023	2023	NUM
bjmsr-2475	353	8	)	)	PUNCT
bjmsr-2475	353	9	.	.	PUNCT
bjmsr-2475	354	1	cbdc	cbdc	PROPN
bjmsr-2475	354	2	,	,	PUNCT
bjmsr-2475	354	3	fintech	fintech	NOUN
bjmsr-2475	354	4	,	,	PUNCT
bjmsr-2475	354	5	and	and	CCONJ
bjmsr-2475	354	6	cryptocurrency	cryptocurrency	NOUN
bjmsr-2475	354	7	for	for	ADP
bjmsr-2475	354	8	financial	financial	ADJ
bjmsr-2475	354	9	inclusion	inclusion	NOUN
bjmsr-2475	354	10	and	and	CCONJ
bjmsr-2475	354	11	financial	financial	ADJ
bjmsr-2475	354	12	stability	stability	NOUN
bjmsr-2475	354	13	.	.	PUNCT
bjmsr-2475	355	1	digital	digital	ADJ
bjmsr-2475	355	2	policy	policy	NOUN
bjmsr-2475	355	3	,	,	PUNCT
bjmsr-2475	355	4	regulation	regulation	NOUN
bjmsr-2475	355	5	and	and	CCONJ
bjmsr-2475	355	6	governance	governance	NOUN
bjmsr-2475	355	7	,	,	PUNCT
bjmsr-2475	355	8	25(1	25(1	NUM
bjmsr-2475	355	9	)	)	PUNCT
bjmsr-2475	355	10	,	,	PUNCT
bjmsr-2475	355	11	40	40	NUM
bjmsr-2475	355	12	-	-	SYM
bjmsr-2475	355	13	57	57	NUM
bjmsr-2475	355	14	.	.	PUNCT
bjmsr-2475	356	1	https://doi.org/10.1108/dprg-04-2022-0033	https://doi.org/10.1108/dprg-04-2022-0033	PROPN
bjmsr-2475	356	2	rieger	rieger	PROPN
bjmsr-2475	356	3	,	,	PUNCT
bjmsr-2475	356	4	a.	a.	PROPN
bjmsr-2475	356	5	,	,	PUNCT
bjmsr-2475	356	6	roth	roth	PROPN
bjmsr-2475	356	7	,	,	PUNCT
bjmsr-2475	356	8	t.	t.	PROPN
bjmsr-2475	356	9	,	,	PUNCT
bjmsr-2475	356	10	sedlmeir	sedlmeir	PROPN
bjmsr-2475	356	11	,	,	PUNCT
bjmsr-2475	356	12	j.	j.	PROPN
bjmsr-2475	356	13	,	,	PUNCT
bjmsr-2475	356	14	&	&	CCONJ
bjmsr-2475	356	15	fridgen	fridgen	PROPN
bjmsr-2475	356	16	,	,	PUNCT
bjmsr-2475	356	17	g.	g.	PROPN
bjmsr-2475	356	18	(	(	PUNCT
bjmsr-2475	356	19	2022	2022	NUM
bjmsr-2475	356	20	)	)	PUNCT
bjmsr-2475	356	21	.	.	PUNCT
bjmsr-2475	357	1	we	we	PRON
bjmsr-2475	357	2	need	need	VERB
bjmsr-2475	357	3	a	a	DET
bjmsr-2475	357	4	broader	broad	ADJ
bjmsr-2475	357	5	debate	debate	NOUN
bjmsr-2475	357	6	on	on	ADP
bjmsr-2475	357	7	the	the	DET
bjmsr-2475	357	8	sustainability	sustainability	NOUN
bjmsr-2475	357	9	of	of	ADP
bjmsr-2475	357	10	blockchain	blockchain	PROPN
bjmsr-2475	357	11	.	.	PUNCT
bjmsr-2475	358	1	joule	joule	PROPN
bjmsr-2475	358	2	,	,	PUNCT
bjmsr-2475	358	3	6(6	6(6	NOUN
bjmsr-2475	358	4	)	)	PUNCT
bjmsr-2475	358	5	,	,	PUNCT
bjmsr-2475	358	6	1137–1141	1137–1141	NUM
bjmsr-2475	358	7	.	.	PUNCT
bjmsr-2475	359	1	https://doi.org/10.1016/j.joule.2022.04.013	https://doi.org/10.1016/j.joule.2022.04.013	VERB
bjmsr-2475	359	2	rudolf	rudolf	NOUN
bjmsr-2475	359	3	,	,	PUNCT
bjmsr-2475	359	4	j.	j.	PROPN
bjmsr-2475	359	5	,	,	PUNCT
bjmsr-2475	359	6	&	&	CCONJ
bjmsr-2475	359	7	morely	morely	ADV
bjmsr-2475	359	8	,	,	PUNCT
bjmsr-2475	359	9	t.	t.	PROPN
bjmsr-2475	359	10	(	(	PUNCT
bjmsr-2475	359	11	2020	2020	NUM
bjmsr-2475	359	12	)	)	PUNCT
bjmsr-2475	359	13	.	.	PUNCT
bjmsr-2475	360	1	emerging	emerge	VERB
bjmsr-2475	360	2	technologies	technology	NOUN
bjmsr-2475	360	3	offering	offer	VERB
bjmsr-2475	360	4	anonymity	anonymity	NOUN
bjmsr-2475	360	5	.	.	PUNCT
bjmsr-2475	361	1	covert	covert	ADJ
bjmsr-2475	361	2	foreign	foreign	ADJ
bjmsr-2475	361	3	money	money	NOUN
bjmsr-2475	361	4	:	:	PUNCT
bjmsr-2475	361	5	financial	financial	ADJ
bjmsr-2475	361	6	loopholes	loophole	NOUN
bjmsr-2475	361	7	exploited	exploit	VERB
bjmsr-2475	361	8	by	by	ADP
bjmsr-2475	361	9	authoritarians	authoritarian	NOUN
bjmsr-2475	361	10	to	to	PART
bjmsr-2475	361	11	fund	fund	VERB
bjmsr-2475	361	12	political	political	ADJ
bjmsr-2475	361	13	interference	interference	NOUN
bjmsr-2475	361	14	in	in	ADP
bjmsr-2475	361	15	democracies	democracy	NOUN
bjmsr-2475	361	16	,	,	PUNCT
bjmsr-2475	361	17	49–53	49–53	NUM
bjmsr-2475	361	18	.	.	PUNCT
bjmsr-2475	362	1	retrieved	retrieve	VERB
bjmsr-2475	362	2	from	from	ADP
bjmsr-2475	362	3	https://www.jstor.org/stable/resrep26670.11	https://www.jstor.org/stable/resrep26670.11	ADJ
bjmsr-2475	362	4	sarstedt	sarstedt	NOUN
bjmsr-2475	362	5	,	,	PUNCT
bjmsr-2475	362	6	m.	m.	NOUN
bjmsr-2475	362	7	,	,	PUNCT
bjmsr-2475	362	8	ringle	ringle	NOUN
bjmsr-2475	362	9	,	,	PUNCT
bjmsr-2475	362	10	c.	c.	PROPN
bjmsr-2475	362	11	m.	m.	PROPN
bjmsr-2475	362	12	,	,	PUNCT
bjmsr-2475	362	13	&	&	CCONJ
bjmsr-2475	362	14	hair	hair	NOUN
bjmsr-2475	362	15	,	,	PUNCT
bjmsr-2475	362	16	j.	j.	PROPN
bjmsr-2475	362	17	f.	f.	PROPN
bjmsr-2475	362	18	(	(	PUNCT
bjmsr-2475	362	19	2021	2021	NUM
bjmsr-2475	362	20	)	)	PUNCT
bjmsr-2475	362	21	.	.	PUNCT
bjmsr-2475	363	1	partial	partial	ADJ
bjmsr-2475	363	2	least	least	ADJ
bjmsr-2475	363	3	squares	square	VERB
bjmsr-2475	363	4	structural	structural	ADJ
bjmsr-2475	363	5	equation	equation	NOUN
bjmsr-2475	363	6	modeling	modeling	NOUN
bjmsr-2475	363	7	.	.	PUNCT
bjmsr-2475	364	1	handbook	handbook	NOUN
bjmsr-2475	364	2	of	of	ADP
bjmsr-2475	364	3	market	market	NOUN
bjmsr-2475	364	4	research	research	NOUN
bjmsr-2475	364	5	,	,	PUNCT
bjmsr-2475	364	6	1–47	1–47	PROPN
bjmsr-2475	364	7	.	.	PUNCT
bjmsr-2475	364	8	cham	cham	PROPN
bjmsr-2475	364	9	:	:	PUNCT
bjmsr-2475	364	10	springer	springer	NOUN
bjmsr-2475	364	11	international	international	ADJ
bjmsr-2475	364	12	publishing	publishing	NOUN
bjmsr-2475	364	13	.	.	PUNCT
bjmsr-2475	365	1	https://doi.org/10.1007/978-3-319-05542-8_15-2	https://doi.org/10.1007/978-3-319-05542-8_15-2	PROPN
bjmsr-2475	365	2	setyawan	setyawan	NOUN
bjmsr-2475	365	3	,	,	PUNCT
bjmsr-2475	365	4	a.	a.	NOUN
bjmsr-2475	365	5	a.	a.	PROPN
bjmsr-2475	365	6	,	,	PUNCT
bjmsr-2475	365	7	winotoatmojo	winotoatmojo	NOUN
bjmsr-2475	365	8	,	,	PUNCT
bjmsr-2475	365	9	h.	h.	PROPN
bjmsr-2475	365	10	p.	p.	PROPN
bjmsr-2475	365	11	,	,	PUNCT
bjmsr-2475	365	12	&	&	CCONJ
bjmsr-2475	365	13	puspa	puspa	PROPN
bjmsr-2475	365	14	ananda	ananda	PROPN
bjmsr-2475	365	15	,	,	PUNCT
bjmsr-2475	365	16	n.	n.	PROPN
bjmsr-2475	365	17	k.	k.	PROPN
bjmsr-2475	365	18	(	(	PUNCT
bjmsr-2475	365	19	2024	2024	NUM
bjmsr-2475	365	20	)	)	PUNCT
bjmsr-2475	365	21	.	.	PUNCT
bjmsr-2475	366	1	cryptocurrency	cryptocurrency	NOUN
bjmsr-2475	366	2	and	and	CCONJ
bjmsr-2475	366	3	financial	financial	ADJ
bjmsr-2475	366	4	inclusion	inclusion	NOUN
bjmsr-2475	366	5	:	:	PUNCT
bjmsr-2475	366	6	bridging	bridge	VERB
bjmsr-2475	366	7	the	the	DET
bjmsr-2475	366	8	gap	gap	NOUN
bjmsr-2475	366	9	in	in	ADP
bjmsr-2475	366	10	emerging	emerge	VERB
bjmsr-2475	366	11	countries	country	NOUN
bjmsr-2475	366	12	.	.	PUNCT
bjmsr-2475	367	1	dinasti	dinasti	PROPN
bjmsr-2475	367	2	international	international	PROPN
bjmsr-2475	367	3	journal	journal	PROPN
bjmsr-2475	367	4	of	of	ADP
bjmsr-2475	367	5	economics	economic	NOUN
bjmsr-2475	367	6	,	,	PUNCT
bjmsr-2475	367	7	finance	finance	NOUN
bjmsr-2475	367	8	&	&	CCONJ
bjmsr-2475	367	9	accounting	accounting	PROPN
bjmsr-2475	367	10	(	(	PUNCT
bjmsr-2475	367	11	dijefa	dijefa	PROPN
bjmsr-2475	367	12	)	)	PUNCT
bjmsr-2475	367	13	,	,	PUNCT
bjmsr-2475	367	14	5(2	5(2	NUM
bjmsr-2475	367	15	)	)	PUNCT
bjmsr-2475	367	16	,	,	PUNCT
bjmsr-2475	367	17	510	510	NUM
bjmsr-2475	367	18	–	–	PUNCT
bjmsr-2475	367	19	516	516	NUM
bjmsr-2475	367	20	.	.	PUNCT
bjmsr-2475	367	21	retrieved	retrieve	VERB
bjmsr-2475	367	22	from	from	ADP
bjmsr-2475	367	23	https://dinastipub.org/dijefa/article/view/2554	https://dinastipub.org/dijefa/article/view/2554	PROPN
bjmsr-2475	367	24	subiyakto	subiyakto	PROPN
bjmsr-2475	367	25	,	,	PUNCT
bjmsr-2475	367	26	b.	b.	PROPN
bjmsr-2475	367	27	,	,	PUNCT
bjmsr-2475	367	28	jumriani	jumriani	PROPN
bjmsr-2475	367	29	,	,	PUNCT
bjmsr-2475	367	30	j.	j.	PROPN
bjmsr-2475	367	31	,	,	PUNCT
bjmsr-2475	367	32	abbas	abbas	PROPN
bjmsr-2475	367	33	,	,	PUNCT
bjmsr-2475	367	34	e.	e.	PROPN
bjmsr-2475	367	35	w.	w.	PROPN
bjmsr-2475	367	36	,	,	PUNCT
bjmsr-2475	367	37	muhaimin	muhaimin	VERB
bjmsr-2475	367	38	,	,	PUNCT
bjmsr-2475	367	39	m.	m.	NOUN
bjmsr-2475	367	40	,	,	PUNCT
bjmsr-2475	367	41	&	&	CCONJ
bjmsr-2475	367	42	rusmaniah	rusmaniah	PROPN
bjmsr-2475	367	43	,	,	PUNCT
bjmsr-2475	367	44	r.	r.	PROPN
bjmsr-2475	367	45	(	(	PUNCT
bjmsr-2475	367	46	2022	2022	NUM
bjmsr-2475	367	47	)	)	PUNCT
bjmsr-2475	367	48	.	.	PUNCT
bjmsr-2475	368	1	community	community	NOUN
bjmsr-2475	368	2	economic	economic	ADJ
bjmsr-2475	368	3	empowerment	empowerment	NOUN
bjmsr-2475	368	4	through	through	ADP
bjmsr-2475	368	5	the	the	DET
bjmsr-2475	368	6	existence	existence	NOUN
bjmsr-2475	368	7	of	of	ADP
bjmsr-2475	368	8	thematic	thematic	ADJ
bjmsr-2475	368	9	villages	village	NOUN
bjmsr-2475	368	10	.	.	PUNCT
bjmsr-2475	369	1	the	the	DET
bjmsr-2475	369	2	innovation	innovation	NOUN
bjmsr-2475	369	3	of	of	ADP
bjmsr-2475	369	4	social	social	ADJ
bjmsr-2475	369	5	studies	study	NOUN
bjmsr-2475	369	6	journal	journal	NOUN
bjmsr-2475	369	7	,	,	PUNCT
bjmsr-2475	369	8	4(1	4(1	X
bjmsr-2475	369	9	)	)	PUNCT
bjmsr-2475	369	10	,	,	PUNCT
bjmsr-2475	369	11	01	01	NUM
bjmsr-2475	369	12	-	-	SYM
bjmsr-2475	369	13	10	10	NUM
bjmsr-2475	369	14	.	.	PUNCT
bjmsr-2475	370	1	https://doi.org/10.20527/iis.v4i1.6368	https://doi.org/10.20527/iis.v4i1.6368	PROPN
bjmsr-2475	370	2	swan	swan	NOUN
bjmsr-2475	370	3	,	,	PUNCT
bjmsr-2475	370	4	m.	m.	NOUN
bjmsr-2475	370	5	(	(	PUNCT
bjmsr-2475	370	6	2015	2015	NUM
bjmsr-2475	370	7	)	)	PUNCT
bjmsr-2475	370	8	.	.	PUNCT
bjmsr-2475	371	1	blockchain	blockchain	PROPN
bjmsr-2475	371	2	:	:	PUNCT
bjmsr-2475	371	3	blueprint	blueprint	NOUN
bjmsr-2475	371	4	for	for	ADP
bjmsr-2475	371	5	a	a	DET
bjmsr-2475	371	6	new	new	ADJ
bjmsr-2475	371	7	economy	economy	NOUN
bjmsr-2475	371	8	.	.	PUNCT
bjmsr-2475	372	1	o’reilly	o’reilly	ADV
bjmsr-2475	372	2	series	serie	NOUN
bjmsr-2475	372	3	.	.	PUNCT
bjmsr-2475	373	1	mastering	master	VERB
bjmsr-2475	373	2	bitcoin	bitcoin	NOUN
bjmsr-2475	373	3	:	:	PUNCT
bjmsr-2475	373	4	unlocking	unlock	VERB
bjmsr-2475	373	5	digital	digital	ADJ
bjmsr-2475	373	6	cryptocurrencies	cryptocurrencie	NOUN
bjmsr-2475	373	7	.	.	PUNCT
bjmsr-2475	374	1	sebastopol	sebastopol	NOUN
bjmsr-2475	374	2	:	:	PUNCT
bjmsr-2475	374	3	o’reilly	o’reilly	ADV
bjmsr-2475	374	4	media	medium	NOUN
bjmsr-2475	374	5	,	,	PUNCT
bjmsr-2475	374	6	inc	inc	PROPN
bjmsr-2475	374	7	.	.	PROPN
bjmsr-2475	374	8	retrieved	retrieve	VERB
bjmsr-2475	374	9	from	from	ADP
bjmsr-2475	374	10	https://www.oreilly.com/library/view/blockchain/9781491920480	https://www.oreilly.com/library/view/blockchain/9781491920480	PROPN
bjmsr-2475	374	11	ulfstjerne	ulfstjerne	NOUN
bjmsr-2475	374	12	,	,	PUNCT
bjmsr-2475	374	13	m.	m.	NOUN
bjmsr-2475	374	14	(	(	PUNCT
bjmsr-2475	374	15	2020	2020	NUM
bjmsr-2475	374	16	)	)	PUNCT
bjmsr-2475	374	17	.	.	PUNCT
bjmsr-2475	375	1	bob	bob	PROPN
bjmsr-2475	375	2	and	and	CCONJ
bjmsr-2475	375	3	the	the	DET
bjmsr-2475	375	4	blockchain	blockchain	PROPN
bjmsr-2475	375	5	:	:	PUNCT
bjmsr-2475	375	6	anticipatory	anticipatory	ADJ
bjmsr-2475	375	7	infrastructures	infrastructure	NOUN
bjmsr-2475	375	8	of	of	ADP
bjmsr-2475	375	9	the	the	DET
bjmsr-2475	375	10	cashless	cashless	NOUN
bjmsr-2475	375	11	society	society	NOUN
bjmsr-2475	375	12	.	.	PUNCT
bjmsr-2475	376	1	who	who	PRON
bjmsr-2475	376	2	's	be	AUX
bjmsr-2475	376	3	cashing	cash	VERB
bjmsr-2475	376	4	in	in	ADP
bjmsr-2475	376	5	?	?	PUNCT
bjmsr-2475	377	1	contemporary	contemporary	ADJ
bjmsr-2475	377	2	perspectives	perspective	NOUN
bjmsr-2475	377	3	on	on	ADP
bjmsr-2475	377	4	new	new	ADJ
bjmsr-2475	377	5	monies	monie	NOUN
bjmsr-2475	377	6	and	and	CCONJ
bjmsr-2475	377	7	global	global	ADJ
bjmsr-2475	377	8	cashlessness	cashlessness	NOUN
bjmsr-2475	377	9	,	,	PUNCT
bjmsr-2475	377	10	89	89	NUM
bjmsr-2475	377	11	-	-	SYM
bjmsr-2475	377	12	103	103	NUM
bjmsr-2475	377	13	.	.	PUNCT
bjmsr-2475	378	1	https://doi.org/10.2307/j.ctv21ptz5f.12	https://doi.org/10.2307/j.ctv21ptz5f.12	PROPN
bjmsr-2475	379	1	ullah	ullah	PROPN
bjmsr-2475	379	2	,	,	PUNCT
bjmsr-2475	379	3	n.	n.	PROPN
bjmsr-2475	379	4	,	,	PUNCT
bjmsr-2475	379	5	al	al	PROPN
bjmsr-2475	379	6	-	-	PUNCT
bjmsr-2475	379	7	rahmi	rahmi	PROPN
bjmsr-2475	379	8	,	,	PUNCT
bjmsr-2475	379	9	w.	w.	PROPN
bjmsr-2475	379	10	m.	m.	NOUN
bjmsr-2475	379	11	,	,	PUNCT
bjmsr-2475	379	12	alfarraj	alfarraj	VERB
bjmsr-2475	379	13	,	,	PUNCT
bjmsr-2475	379	14	o.	o.	INTJ
bjmsr-2475	379	15	,	,	PUNCT
bjmsr-2475	379	16	alalwan	alalwan	NOUN
bjmsr-2475	379	17	,	,	PUNCT
bjmsr-2475	379	18	n.	n.	NOUN
bjmsr-2475	379	19	,	,	PUNCT
bjmsr-2475	379	20	alzahrani	alzahrani	PROPN
bjmsr-2475	379	21	,	,	PUNCT
bjmsr-2475	379	22	a.	a.	NOUN
bjmsr-2475	379	23	i.	i.	PROPN
bjmsr-2475	379	24	,	,	PUNCT
bjmsr-2475	379	25	ramayah	ramayah	NOUN
bjmsr-2475	379	26	,	,	PUNCT
bjmsr-2475	379	27	t.	t.	PROPN
bjmsr-2475	379	28	,	,	PUNCT
bjmsr-2475	379	29	&	&	CCONJ
bjmsr-2475	379	30	kumar	kumar	PROPN
bjmsr-2475	379	31	,	,	PUNCT
bjmsr-2475	379	32	v.	v.	PROPN
bjmsr-2475	379	33	(	(	PUNCT
bjmsr-2475	379	34	2022	2022	NUM
bjmsr-2475	379	35	)	)	PUNCT
bjmsr-2475	379	36	.	.	PUNCT
bjmsr-2475	380	1	hybridizing	hybridize	VERB
bjmsr-2475	380	2	cost	cost	NOUN
bjmsr-2475	380	3	saving	saving	NOUN
bjmsr-2475	380	4	with	with	ADP
bjmsr-2475	380	5	trust	trust	NOUN
bjmsr-2475	380	6	for	for	ADP
bjmsr-2475	380	7	blockchain	blockchain	PROPN
bjmsr-2475	380	8	technology	technology	PROPN
bjmsr-2475	380	9	adoption	adoption	NOUN
bjmsr-2475	380	10	by	by	ADP
bjmsr-2475	380	11	financial	financial	ADJ
bjmsr-2475	380	12	institutions	institution	NOUN
bjmsr-2475	380	13	.	.	PUNCT
bjmsr-2475	381	1	telematics	telematic	NOUN
bjmsr-2475	381	2	and	and	CCONJ
bjmsr-2475	381	3	informatics	informatic	NOUN
bjmsr-2475	381	4	reports	report	NOUN
bjmsr-2475	381	5	,	,	PUNCT
bjmsr-2475	381	6	6	6	NUM
bjmsr-2475	381	7	,	,	PUNCT
bjmsr-2475	381	8	100008	100008	NUM
bjmsr-2475	381	9	,	,	PUNCT
bjmsr-2475	381	10	1–12	1–12	NOUN
bjmsr-2475	381	11	.	.	PUNCT
bjmsr-2475	382	1	https://doi.org/10.1016/j.teler.2022.100008	https://doi.org/10.1016/j.teler.2022.100008	NOUN
bjmsr-2475	382	2	publisher	publisher	NOUN
bjmsr-2475	382	3	’s	’s	PART
bjmsr-2475	382	4	note	note	NOUN
bjmsr-2475	382	5	:	:	PUNCT
bjmsr-2475	382	6	cribfb	cribfb	PROPN
bjmsr-2475	382	7	stays	stay	VERB
bjmsr-2475	382	8	neutral	neutral	ADJ
bjmsr-2475	382	9	with	with	ADP
bjmsr-2475	382	10	regard	regard	NOUN
bjmsr-2475	382	11	to	to	ADP
bjmsr-2475	382	12	jurisdictional	jurisdictional	ADJ
bjmsr-2475	382	13	claims	claim	NOUN
bjmsr-2475	382	14	in	in	ADP
bjmsr-2475	382	15	published	publish	VERB
bjmsr-2475	382	16	maps	map	NOUN
bjmsr-2475	382	17	and	and	CCONJ
bjmsr-2475	382	18	institutional	institutional	ADJ
bjmsr-2475	382	19	affiliations	affiliation	NOUN
bjmsr-2475	382	20	.	.	PUNCT
bjmsr-2475	383	1	©	©	PROPN
bjmsr-2475	383	2	2025	2025	NUM
bjmsr-2475	383	3	by	by	ADP
bjmsr-2475	383	4	the	the	DET
bjmsr-2475	383	5	authors	author	NOUN
bjmsr-2475	383	6	.	.	PUNCT
bjmsr-2475	384	1	licensee	licensee	PROPN
bjmsr-2475	384	2	cribfb	cribfb	PROPN
bjmsr-2475	384	3	,	,	PUNCT
bjmsr-2475	384	4	usa	usa	PROPN
bjmsr-2475	384	5	.	.	PROPN
bjmsr-2475	385	1	this	this	DET
bjmsr-2475	385	2	open	open	ADJ
bjmsr-2475	385	3	-	-	PUNCT
bjmsr-2475	385	4	access	access	NOUN
bjmsr-2475	385	5	article	article	NOUN
bjmsr-2475	385	6	is	be	AUX
bjmsr-2475	385	7	distributed	distribute	VERB
bjmsr-2475	385	8	under	under	ADP
bjmsr-2475	385	9	the	the	DET
bjmsr-2475	385	10	terms	term	NOUN
bjmsr-2475	385	11	and	and	CCONJ
bjmsr-2475	385	12	conditions	condition	NOUN
bjmsr-2475	385	13	of	of	ADP
bjmsr-2475	385	14	the	the	DET
bjmsr-2475	385	15	creative	creative	ADJ
bjmsr-2475	385	16	commons	common	NOUN
bjmsr-2475	385	17	attribution	attribution	NOUN
bjmsr-2475	385	18	(	(	PUNCT
bjmsr-2475	385	19	cc	cc	NOUN
bjmsr-2475	385	20	by	by	ADP
bjmsr-2475	385	21	)	)	PUNCT
bjmsr-2475	385	22	license	license	NOUN
bjmsr-2475	385	23	(	(	PUNCT
bjmsr-2475	385	24	http://creativecommons.org/licenses/by/4.0	http://creativecommons.org/licenses/by/4.0	NOUN
bjmsr-2475	385	25	)	)	PUNCT
bjmsr-2475	385	26	.	.	PUNCT
bjmsr-2475	386	1	bangladesh	bangladesh	PROPN
bjmsr-2475	386	2	journal	journal	PROPN
bjmsr-2475	386	3	of	of	ADP
bjmsr-2475	386	4	multidisciplinary	multidisciplinary	ADJ
bjmsr-2475	386	5	scientific	scientific	ADJ
bjmsr-2475	386	6	research	research	NOUN
bjmsr-2475	386	7	(	(	PUNCT
bjmsr-2475	386	8	p	p	NOUN
bjmsr-2475	386	9	-	-	PUNCT
bjmsr-2475	386	10	issn	issn	PROPN
bjmsr-2475	386	11	2687	2687	NUM
bjmsr-2475	386	12	-	-	PUNCT
bjmsr-2475	386	13	850x	850x	NUM
bjmsr-2475	386	14	e	e	NOUN
bjmsr-2475	386	15	-	-	PROPN
bjmsr-2475	386	16	issn	issn	PROPN
bjmsr-2475	386	17	2687	2687	NUM
bjmsr-2475	386	18	-	-	SYM
bjmsr-2475	386	19	8518	8518	NUM
bjmsr-2475	386	20	)	)	PUNCT
bjmsr-2475	386	21	by	by	ADP
bjmsr-2475	386	22	cribfb	cribfb	PROPN
bjmsr-2475	386	23	is	be	AUX
bjmsr-2475	386	24	licensed	license	VERB
bjmsr-2475	386	25	under	under	ADP
bjmsr-2475	386	26	a	a	DET
bjmsr-2475	386	27	creative	creative	ADJ
bjmsr-2475	386	28	commons	common	NOUN
bjmsr-2475	386	29	attribution	attribution	NOUN
bjmsr-2475	386	30	4.0	4.0	NUM
bjmsr-2475	386	31	international	international	ADJ
bjmsr-2475	386	32	license	license	NOUN
bjmsr-2475	386	33	.	.	PUNCT
bjmsr-2475	387	1	http://dx.doi.org/10.1080/17530350.2017.1322997	http://dx.doi.org/10.1080/17530350.2017.1322997	ADJ
bjmsr-2475	387	2	https://www.jstor.org/stable/26954878	https://www.jstor.org/stable/26954878	ADJ
bjmsr-2475	387	3	https://philippsandner.medium.com/the-impact-of-crypto-currencies-on-developing-countries-dce44c529d6b	https://philippsandner.medium.com/the-impact-of-crypto-currencies-on-developing-countries-dce44c529d6b	NOUN
bjmsr-2475	387	4	https://philippsandner.medium.com/the-impact-of-crypto-currencies-on-developing-countries-dce44c529d6b	https://philippsandner.medium.com/the-impact-of-crypto-currencies-on-developing-countries-dce44c529d6b	NOUN
bjmsr-2475	387	5	https://doi.org/10.1080/10494820.2018.1522651	https://doi.org/10.1080/10494820.2018.1522651	PRON
bjmsr-2475	388	1	https://doi.org/10.1016/j.inteco.2024.100577	https://doi.org/10.1016/j.inteco.2024.100577	PROPN
bjmsr-2475	388	2	https://doi.org/10.3390/su15129154	https://doi.org/10.3390/su15129154	VERB
bjmsr-2475	388	3	https://doi.org/10.3390/su15129154	https://doi.org/10.3390/su15129154	PROPN
bjmsr-2475	388	4	https://doi.org/10.1007/s10690-020-09306-4	https://doi.org/10.1007/s10690-020-09306-4	PROPN
bjmsr-2475	388	5	https://doi.org/10.1108/dprg-04-2022-0033	https://doi.org/10.1108/dprg-04-2022-0033	PROPN
bjmsr-2475	388	6	https://doi.org/10.1016/j.joule.2022.04.013	https://doi.org/10.1016/j.joule.2022.04.013	PROPN
bjmsr-2475	388	7	https://www.jstor.org/stable/resrep26670.11	https://www.jstor.org/stable/resrep26670.11	NOUN
bjmsr-2475	388	8	https://doi.org/10.1007/978-3-319-05542-8_15-2	https://doi.org/10.1007/978-3-319-05542-8_15-2	VERB
bjmsr-2475	388	9	https://dinastipub.org/dijefa/article/view/2554	https://dinastipub.org/dijefa/article/view/2554	PRON
bjmsr-2475	388	10	https://doi.org/10.20527/iis.v4i1.6368	https://doi.org/10.20527/iis.v4i1.6368	PROPN
bjmsr-2475	388	11	https://doi.org/10.2307/j.ctv21ptz5f.12	https://doi.org/10.2307/j.ctv21ptz5f.12	NOUN
bjmsr-2475	389	1	https://doi.org/10.1016/j.teler.2022.100008	https://doi.org/10.1016/j.teler.2022.100008	PROPN
bjmsr-2475	389	2	http://creativecommons.org/licenses/by/4.0	http://creativecommons.org/licenses/by/4.0	PROPN
bjmsr-2475	389	3	)	)	PUNCT
bjmsr-2475	389	4	.	.	PUNCT
bjmsr-2475	390	1	http://creativecommons.org/licenses/by/4.0/	http://creativecommons.org/licenses/by/4.0/	PROPN
bjmsr-2475	390	2	http://creativecommons.org/licenses/by/4.0/	http://creativecommons.org/licenses/by/4.0/	PROPN