id	keyword
bjmsr-2475	inclusion
bjmsr-2475	cryptocurrency
bjmsr-2475	adoption
bjmsr-2475	empowerment
bjmsr-2475	trust
bjmsr-2475	user
bjmsr-2475	satisfaction
bjmsr-2475	digital
bjmsr-2475	research
bjmsr-2475	institutions
bjmsr-2475	indonesia
bjmsr-2475	study
bjmsr-2475	table
bjmsr-2475	access