id	sid	tid	token	lemma	pos
cana-1299	1	1	communications	communication	NOUN
cana-1299	1	2	on	on	ADP
cana-1299	1	3	applied	apply	VERB
cana-1299	1	4	nonlinear	nonlinear	ADJ
cana-1299	1	5	analysis	analysis	NOUN
cana-1299	1	6	issn	issn	NOUN
cana-1299	1	7	:	:	PUNCT
cana-1299	1	8	1074	1074	NUM
cana-1299	1	9	-	-	PUNCT
cana-1299	1	10	133x	133x	NUM
cana-1299	1	11	vol	vol	NOUN
cana-1299	1	12	31	31	NUM
cana-1299	1	13	no	no	NOUN
cana-1299	1	14	.	.	PUNCT
cana-1299	2	1	7s	7	NOUN
cana-1299	2	2	(	(	PUNCT
cana-1299	2	3	2024	2024	NUM
cana-1299	2	4	)	)	PUNCT
cana-1299	2	5	239	239	NUM
cana-1299	2	6	https://internationalpubls.com	https://internationalpubls.com	X
cana-1299	2	7	a	a	DET
cana-1299	2	8	study	study	NOUN
cana-1299	2	9	on	on	ADP
cana-1299	2	10	socio	socio	NOUN
cana-1299	2	11	-	-	ADJ
cana-1299	2	12	demographic	demographic	ADJ
cana-1299	2	13	perspective	perspective	NOUN
cana-1299	2	14	of	of	ADP
cana-1299	2	15	digital	digital	ADJ
cana-1299	2	16	financial	financial	ADJ
cana-1299	2	17	inclusion	inclusion	NOUN
cana-1299	2	18	in	in	ADP
cana-1299	2	19	rural	rural	ADJ
cana-1299	2	20	odisha	odisha	PROPN
cana-1299	2	21	nirmala	nirmala	PROPN
cana-1299	2	22	chandra	chandra	PROPN
cana-1299	2	23	pattnayak1	pattnayak1	PROPN
cana-1299	2	24	,	,	PUNCT
cana-1299	2	25	dr	dr	PROPN
cana-1299	2	26	.	.	PROPN
cana-1299	2	27	rashmita	rashmita	PROPN
cana-1299	2	28	sahoo2	sahoo2	NOUN
cana-1299	3	1	1research	1research	NUM
cana-1299	3	2	scholar	scholar	NOUN
cana-1299	3	3	,	,	PUNCT
cana-1299	3	4	department	department	NOUN
cana-1299	3	5	of	of	ADP
cana-1299	3	6	business	business	PROPN
cana-1299	3	7	administration	administration	PROPN
cana-1299	3	8	,	,	PUNCT
cana-1299	3	9	utkal	utkal	PROPN
cana-1299	3	10	university	university	PROPN
cana-1299	3	11	2asst	2asst	PROPN
cana-1299	3	12	.	.	PUNCT
cana-1299	3	13	professor	professor	NOUN
cana-1299	3	14	,	,	PUNCT
cana-1299	3	15	department	department	PROPN
cana-1299	3	16	of	of	ADP
cana-1299	3	17	business	business	PROPN
cana-1299	3	18	administration	administration	PROPN
cana-1299	3	19	,	,	PUNCT
cana-1299	3	20	utkal	utkal	ADJ
cana-1299	3	21	university	university	NOUN
cana-1299	3	22	article	article	NOUN
cana-1299	3	23	history	history	NOUN
cana-1299	3	24	:	:	PUNCT
cana-1299	3	25	received	receive	VERB
cana-1299	3	26	:	:	PUNCT
cana-1299	3	27	01	01	NUM
cana-1299	3	28	-	-	PUNCT
cana-1299	3	29	06	06	NUM
cana-1299	3	30	-	-	PUNCT
cana-1299	3	31	2024	2024	NUM
cana-1299	3	32	revised	revise	VERB
cana-1299	3	33	:	:	PUNCT
cana-1299	3	34	03	03	NUM
cana-1299	3	35	-	-	PUNCT
cana-1299	3	36	07	07	NUM
cana-1299	3	37	-	-	PUNCT
cana-1299	3	38	2024	2024	NUM
cana-1299	3	39	accepted	accept	VERB
cana-1299	3	40	:	:	PUNCT
cana-1299	3	41	29	29	NUM
cana-1299	3	42	-	-	SYM
cana-1299	3	43	07	07	NUM
cana-1299	3	44	-	-	PUNCT
cana-1299	3	45	2024	2024	NUM
cana-1299	3	46	abstract	abstract	NOUN
cana-1299	3	47	:	:	PUNCT
cana-1299	3	48	digital	digital	ADJ
cana-1299	3	49	financial	financial	ADJ
cana-1299	3	50	inclusion	inclusion	NOUN
cana-1299	3	51	carries	carry	VERB
cana-1299	3	52	transformative	transformative	ADJ
cana-1299	3	53	potential	potential	NOUN
cana-1299	3	54	for	for	ADP
cana-1299	3	55	unserved	unserved	ADJ
cana-1299	3	56	and	and	CCONJ
cana-1299	3	57	under	under	ADV
cana-1299	3	58	-	-	PUNCT
cana-1299	3	59	served	serve	VERB
cana-1299	3	60	population	population	NOUN
cana-1299	3	61	as	as	ADV
cana-1299	3	62	well	well	ADV
cana-1299	3	63	as	as	ADP
cana-1299	3	64	for	for	ADP
cana-1299	3	65	small	small	ADJ
cana-1299	3	66	and	and	CCONJ
cana-1299	3	67	micro	micro	ADJ
cana-1299	3	68	businesses	business	NOUN
cana-1299	3	69	.	.	PUNCT
cana-1299	4	1	the	the	DET
cana-1299	4	2	digital	digital	ADJ
cana-1299	4	3	pathways	pathway	NOUN
cana-1299	4	4	to	to	ADP
cana-1299	4	5	financial	financial	ADJ
cana-1299	4	6	transactions	transaction	NOUN
cana-1299	4	7	are	be	AUX
cana-1299	4	8	often	often	ADV
cana-1299	4	9	seen	see	VERB
cana-1299	4	10	challenged	challenge	VERB
cana-1299	4	11	by	by	ADP
cana-1299	4	12	various	various	ADJ
cana-1299	4	13	social	social	ADJ
cana-1299	4	14	,	,	PUNCT
cana-1299	4	15	economic	economic	ADJ
cana-1299	4	16	and	and	CCONJ
cana-1299	4	17	demographic	demographic	ADJ
cana-1299	4	18	factors	factor	NOUN
cana-1299	4	19	that	that	PRON
cana-1299	4	20	pull	pull	VERB
cana-1299	4	21	down	down	ADP
cana-1299	4	22	the	the	DET
cana-1299	4	23	desired	desire	VERB
cana-1299	4	24	penetration	penetration	NOUN
cana-1299	4	25	of	of	ADP
cana-1299	4	26	financial	financial	ADJ
cana-1299	4	27	services	service	NOUN
cana-1299	4	28	.	.	PUNCT
cana-1299	5	1	this	this	DET
cana-1299	5	2	study	study	NOUN
cana-1299	5	3	aimed	aim	VERB
cana-1299	5	4	at	at	ADP
cana-1299	5	5	analysing	analyse	VERB
cana-1299	5	6	the	the	DET
cana-1299	5	7	impact	impact	NOUN
cana-1299	5	8	of	of	ADP
cana-1299	5	9	social	social	ADJ
cana-1299	5	10	and	and	CCONJ
cana-1299	5	11	demographic	demographic	ADJ
cana-1299	5	12	variables	variable	NOUN
cana-1299	5	13	of	of	ADP
cana-1299	5	14	the	the	DET
cana-1299	5	15	customers	customer	NOUN
cana-1299	5	16	on	on	ADP
cana-1299	5	17	different	different	ADJ
cana-1299	5	18	aspects	aspect	NOUN
cana-1299	5	19	associated	associate	VERB
cana-1299	5	20	with	with	ADP
cana-1299	5	21	digital	digital	ADJ
cana-1299	5	22	financial	financial	ADJ
cana-1299	5	23	services	service	NOUN
cana-1299	5	24	namely	namely	ADV
cana-1299	5	25	awareness	awareness	NOUN
cana-1299	5	26	,	,	PUNCT
cana-1299	5	27	comfort	comfort	NOUN
cana-1299	5	28	,	,	PUNCT
cana-1299	5	29	availability	availability	NOUN
cana-1299	5	30	,	,	PUNCT
cana-1299	5	31	present	present	ADJ
cana-1299	5	32	use	use	NOUN
cana-1299	5	33	and	and	CCONJ
cana-1299	5	34	frequency	frequency	NOUN
cana-1299	5	35	of	of	ADP
cana-1299	5	36	usage	usage	NOUN
cana-1299	5	37	of	of	ADP
cana-1299	5	38	the	the	DET
cana-1299	5	39	rural	rural	ADJ
cana-1299	5	40	customers	customer	NOUN
cana-1299	5	41	in	in	ADP
cana-1299	5	42	the	the	DET
cana-1299	5	43	state	state	NOUN
cana-1299	5	44	of	of	ADP
cana-1299	5	45	odisha	odisha	PROPN
cana-1299	5	46	.	.	PUNCT
cana-1299	6	1	the	the	DET
cana-1299	6	2	study	study	NOUN
cana-1299	6	3	was	be	AUX
cana-1299	6	4	conducted	conduct	VERB
cana-1299	6	5	based	base	VERB
cana-1299	6	6	on	on	ADP
cana-1299	6	7	primary	primary	ADJ
cana-1299	6	8	data	datum	NOUN
cana-1299	6	9	collected	collect	VERB
cana-1299	6	10	from	from	ADP
cana-1299	6	11	eight	eight	NUM
cana-1299	6	12	districts	district	NOUN
cana-1299	6	13	of	of	ADP
cana-1299	6	14	the	the	DET
cana-1299	6	15	state	state	NOUN
cana-1299	6	16	.	.	PUNCT
cana-1299	7	1	six	six	NUM
cana-1299	7	2	socio	socio	NOUN
cana-1299	7	3	-	-	ADJ
cana-1299	7	4	demographic	demographic	ADJ
cana-1299	7	5	factors	factor	NOUN
cana-1299	7	6	viz	viz	NOUN
cana-1299	7	7	.	.	PUNCT
cana-1299	8	1	age	age	NOUN
cana-1299	8	2	,	,	PUNCT
cana-1299	8	3	gender	gender	NOUN
cana-1299	8	4	,	,	PUNCT
cana-1299	8	5	education	education	NOUN
cana-1299	8	6	,	,	PUNCT
cana-1299	8	7	social	social	ADJ
cana-1299	8	8	stratification	stratification	NOUN
cana-1299	8	9	,	,	PUNCT
cana-1299	8	10	annual	annual	ADJ
cana-1299	8	11	family	family	NOUN
cana-1299	8	12	income	income	NOUN
cana-1299	8	13	and	and	CCONJ
cana-1299	8	14	occupation	occupation	NOUN
cana-1299	8	15	have	have	AUX
cana-1299	8	16	been	be	AUX
cana-1299	8	17	taken	take	VERB
cana-1299	8	18	up	up	ADP
cana-1299	8	19	for	for	ADP
cana-1299	8	20	the	the	DET
cana-1299	8	21	study	study	NOUN
cana-1299	8	22	.	.	PUNCT
cana-1299	9	1	the	the	DET
cana-1299	9	2	study	study	NOUN
cana-1299	9	3	revealed	reveal	VERB
cana-1299	9	4	that	that	SCONJ
cana-1299	9	5	age	age	NOUN
cana-1299	9	6	,	,	PUNCT
cana-1299	9	7	education	education	NOUN
cana-1299	9	8	and	and	CCONJ
cana-1299	9	9	annual	annual	ADJ
cana-1299	9	10	income	income	NOUN
cana-1299	9	11	are	be	AUX
cana-1299	9	12	important	important	ADJ
cana-1299	9	13	factors	factor	NOUN
cana-1299	9	14	significantly	significantly	ADV
cana-1299	9	15	related	relate	VERB
cana-1299	9	16	with	with	ADP
cana-1299	9	17	all	all	DET
cana-1299	9	18	aspects	aspect	NOUN
cana-1299	9	19	of	of	ADP
cana-1299	9	20	digital	digital	ADJ
cana-1299	9	21	financial	financial	ADJ
cana-1299	9	22	services	service	NOUN
cana-1299	9	23	and	and	CCONJ
cana-1299	9	24	the	the	DET
cana-1299	9	25	other	other	ADJ
cana-1299	9	26	three	three	NUM
cana-1299	9	27	factors	factor	NOUN
cana-1299	9	28	were	be	AUX
cana-1299	9	29	relatively	relatively	ADV
cana-1299	9	30	weaker	weak	ADJ
cana-1299	9	31	.	.	PUNCT
cana-1299	10	1	through	through	ADP
cana-1299	10	2	the	the	DET
cana-1299	10	3	multiple	multiple	ADJ
cana-1299	10	4	regression	regression	NOUN
cana-1299	10	5	analysis	analysis	NOUN
cana-1299	10	6	,	,	PUNCT
cana-1299	10	7	an	an	DET
cana-1299	10	8	attempt	attempt	NOUN
cana-1299	10	9	was	be	AUX
cana-1299	10	10	made	make	VERB
cana-1299	10	11	to	to	PART
cana-1299	10	12	determine	determine	VERB
cana-1299	10	13	relative	relative	ADJ
cana-1299	10	14	importance	importance	NOUN
cana-1299	10	15	of	of	ADP
cana-1299	10	16	these	these	DET
cana-1299	10	17	three	three	NUM
cana-1299	10	18	factors	factor	NOUN
cana-1299	10	19	.	.	PUNCT
cana-1299	11	1	keywords	keyword	NOUN
cana-1299	11	2	:	:	PUNCT
cana-1299	11	3	digital	digital	ADJ
cana-1299	11	4	financial	financial	ADJ
cana-1299	11	5	inclusion	inclusion	NOUN
cana-1299	11	6	,	,	PUNCT
cana-1299	11	7	demographic	demographic	ADJ
cana-1299	11	8	factors	factor	NOUN
cana-1299	11	9	,	,	PUNCT
cana-1299	11	10	formal	formal	ADJ
cana-1299	11	11	financial	financial	ADJ
cana-1299	11	12	sector	sector	NOUN
cana-1299	11	13	,	,	PUNCT
cana-1299	11	14	aspects	aspect	NOUN
cana-1299	11	15	of	of	ADP
cana-1299	11	16	digital	digital	ADJ
cana-1299	11	17	financial	financial	ADJ
cana-1299	11	18	services	service	NOUN
cana-1299	11	19	,	,	PUNCT
cana-1299	11	20	multiple	multiple	ADJ
cana-1299	11	21	regression	regression	NOUN
cana-1299	11	22	1	1	NUM
cana-1299	11	23	.	.	PUNCT
cana-1299	12	1	introduction	introduction	NOUN
cana-1299	12	2	:	:	PUNCT
cana-1299	12	3	universal	universal	ADJ
cana-1299	12	4	financial	financial	ADJ
cana-1299	12	5	inclusion	inclusion	NOUN
cana-1299	12	6	has	have	AUX
cana-1299	12	7	always	always	ADV
cana-1299	12	8	been	be	AUX
cana-1299	12	9	a	a	DET
cana-1299	12	10	national	national	ADJ
cana-1299	12	11	commitment	commitment	NOUN
cana-1299	12	12	and	and	CCONJ
cana-1299	12	13	public	public	ADJ
cana-1299	12	14	policy	policy	NOUN
cana-1299	12	15	priority	priority	NOUN
cana-1299	12	16	in	in	ADP
cana-1299	12	17	india	india	PROPN
cana-1299	12	18	(	(	PUNCT
cana-1299	12	19	chakrabarty	chakrabarty	NOUN
cana-1299	12	20	2011	2011	NUM
cana-1299	12	21	)	)	PUNCT
cana-1299	12	22	,	,	PUNCT
cana-1299	12	23	aiming	aim	VERB
cana-1299	12	24	to	to	PART
cana-1299	12	25	ensure	ensure	VERB
cana-1299	12	26	that	that	SCONJ
cana-1299	12	27	all	all	DET
cana-1299	12	28	individuals	individual	NOUN
cana-1299	12	29	and	and	CCONJ
cana-1299	12	30	businesses	business	NOUN
cana-1299	12	31	get	get	VERB
cana-1299	12	32	access	access	NOUN
cana-1299	12	33	to	to	ADP
cana-1299	12	34	formal	formal	ADJ
cana-1299	12	35	financial	financial	ADJ
cana-1299	12	36	services	service	NOUN
cana-1299	12	37	.	.	PUNCT
cana-1299	13	1	the	the	DET
cana-1299	13	2	financial	financial	ADJ
cana-1299	13	3	inclusion	inclusion	NOUN
cana-1299	13	4	is	be	AUX
cana-1299	13	5	regarded	regard	VERB
cana-1299	13	6	as	as	ADP
cana-1299	13	7	a	a	DET
cana-1299	13	8	powerful	powerful	ADJ
cana-1299	13	9	and	and	CCONJ
cana-1299	13	10	significant	significant	ADJ
cana-1299	13	11	socio	socio	NOUN
cana-1299	13	12	-	-	PUNCT
cana-1299	13	13	economic	economic	ADJ
cana-1299	13	14	tool	tool	NOUN
cana-1299	13	15	that	that	PRON
cana-1299	13	16	serves	serve	VERB
cana-1299	13	17	as	as	ADP
cana-1299	13	18	catalyst	catalyst	NOUN
cana-1299	13	19	for	for	ADP
cana-1299	13	20	economic	economic	ADJ
cana-1299	13	21	empowerment	empowerment	NOUN
cana-1299	13	22	and	and	CCONJ
cana-1299	13	23	poverty	poverty	NOUN
cana-1299	13	24	reduction	reduction	NOUN
cana-1299	13	25	.	.	PUNCT
cana-1299	14	1	it	it	PRON
cana-1299	14	2	brings	bring	VERB
cana-1299	14	3	in	in	ADP
cana-1299	14	4	the	the	DET
cana-1299	14	5	hitherto	hitherto	NOUN
cana-1299	14	6	underprivileged	underprivileged	ADJ
cana-1299	14	7	and	and	CCONJ
cana-1299	14	8	unbanked	unbanked	ADJ
cana-1299	14	9	population	population	NOUN
cana-1299	14	10	to	to	ADP
cana-1299	14	11	the	the	DET
cana-1299	14	12	mainstream	mainstream	ADJ
cana-1299	14	13	formal	formal	ADJ
cana-1299	14	14	finances	finance	NOUN
cana-1299	14	15	.	.	PUNCT
cana-1299	15	1	in	in	ADP
cana-1299	15	2	this	this	DET
cana-1299	15	3	context	context	NOUN
cana-1299	15	4	the	the	DET
cana-1299	15	5	digital	digital	ADJ
cana-1299	15	6	financial	financial	ADJ
cana-1299	15	7	inclusion	inclusion	NOUN
cana-1299	15	8	has	have	AUX
cana-1299	15	9	garnered	garner	VERB
cana-1299	15	10	much	much	ADJ
cana-1299	15	11	attention	attention	NOUN
cana-1299	15	12	in	in	ADP
cana-1299	15	13	india	india	PROPN
cana-1299	15	14	and	and	CCONJ
cana-1299	15	15	also	also	ADV
cana-1299	15	16	in	in	ADP
cana-1299	15	17	other	other	ADJ
cana-1299	15	18	parts	part	NOUN
cana-1299	15	19	of	of	ADP
cana-1299	15	20	the	the	DET
cana-1299	15	21	world	world	NOUN
cana-1299	15	22	,	,	PUNCT
cana-1299	15	23	especially	especially	ADV
cana-1299	15	24	in	in	ADP
cana-1299	15	25	last	last	ADJ
cana-1299	15	26	few	few	ADJ
cana-1299	15	27	years	year	NOUN
cana-1299	15	28	.	.	PUNCT
cana-1299	16	1	digital	digital	ADJ
cana-1299	16	2	financial	financial	ADJ
cana-1299	16	3	inclusion	inclusion	NOUN
cana-1299	16	4	involves	involve	VERB
cana-1299	16	5	offering	offer	VERB
cana-1299	16	6	digital	digital	ADJ
cana-1299	16	7	financial	financial	ADJ
cana-1299	16	8	services	service	NOUN
cana-1299	16	9	to	to	ADP
cana-1299	16	10	the	the	DET
cana-1299	16	11	financially	financially	ADV
cana-1299	16	12	excluded	exclude	VERB
cana-1299	16	13	and	and	CCONJ
cana-1299	16	14	underserved	underserved	ADJ
cana-1299	16	15	populations	population	NOUN
cana-1299	16	16	and	and	CCONJ
cana-1299	16	17	using	use	VERB
cana-1299	16	18	a	a	DET
cana-1299	16	19	mobile	mobile	ADJ
cana-1299	16	20	phone	phone	NOUN
cana-1299	16	21	or	or	CCONJ
cana-1299	16	22	other	other	ADJ
cana-1299	16	23	digital	digital	ADJ
cana-1299	16	24	devices	device	NOUN
cana-1299	16	25	to	to	PART
cana-1299	16	26	increase	increase	VERB
cana-1299	16	27	access	access	NOUN
cana-1299	16	28	to	to	ADP
cana-1299	16	29	digital	digital	ADJ
cana-1299	16	30	financial	financial	ADJ
cana-1299	16	31	services	service	NOUN
cana-1299	16	32	(	(	PUNCT
cana-1299	16	33	ozili	ozili	NOUN
cana-1299	16	34	,	,	PUNCT
cana-1299	16	35	2018	2018	NUM
cana-1299	16	36	)	)	PUNCT
cana-1299	16	37	.	.	PUNCT
cana-1299	17	1	digital	digital	ADJ
cana-1299	17	2	financial	financial	ADJ
cana-1299	17	3	inclusion	inclusion	NOUN
cana-1299	17	4	involves	involve	VERB
cana-1299	17	5	providing	provide	VERB
cana-1299	17	6	access	access	NOUN
cana-1299	17	7	to	to	ADP
cana-1299	17	8	affordable	affordable	ADJ
cana-1299	17	9	formal	formal	ADJ
cana-1299	17	10	financial	financial	ADJ
cana-1299	17	11	services	service	NOUN
cana-1299	17	12	to	to	ADP
cana-1299	17	13	the	the	DET
cana-1299	17	14	excluded	exclude	VERB
cana-1299	17	15	population	population	NOUN
cana-1299	17	16	using	use	VERB
cana-1299	17	17	existing	exist	VERB
cana-1299	17	18	digital	digital	ADJ
cana-1299	17	19	technologies	technology	NOUN
cana-1299	17	20	(	(	PUNCT
cana-1299	17	21	ozili	ozili	NOUN
cana-1299	17	22	,	,	PUNCT
cana-1299	17	23	2021	2021	NUM
cana-1299	17	24	)	)	PUNCT
cana-1299	17	25	.	.	PUNCT
cana-1299	18	1	digital	digital	ADJ
cana-1299	18	2	financial	financial	ADJ
cana-1299	18	3	inclusion	inclusion	NOUN
cana-1299	18	4	revolves	revolve	VERB
cana-1299	18	5	around	around	ADP
cana-1299	18	6	the	the	DET
cana-1299	18	7	objective	objective	NOUN
cana-1299	18	8	of	of	ADP
cana-1299	18	9	ensuring	ensure	VERB
cana-1299	18	10	that	that	SCONJ
cana-1299	18	11	all	all	DET
cana-1299	18	12	individuals	individual	NOUN
cana-1299	18	13	and	and	CCONJ
cana-1299	18	14	businesses	business	NOUN
cana-1299	18	15	,	,	PUNCT
cana-1299	18	16	especially	especially	ADV
cana-1299	18	17	those	those	PRON
cana-1299	18	18	in	in	ADP
cana-1299	18	19	underserved	underserved	ADJ
cana-1299	18	20	or	or	CCONJ
cana-1299	18	21	marginalised	marginalise	VERB
cana-1299	18	22	communities	community	NOUN
cana-1299	18	23	,	,	PUNCT
cana-1299	18	24	get	get	VERB
cana-1299	18	25	access	access	NOUN
cana-1299	18	26	to	to	ADP
cana-1299	18	27	range	range	NOUN
cana-1299	18	28	of	of	ADP
cana-1299	18	29	quality	quality	NOUN
cana-1299	18	30	financial	financial	ADJ
cana-1299	18	31	services	service	NOUN
cana-1299	18	32	by	by	ADP
cana-1299	18	33	leveraging	leverage	VERB
cana-1299	18	34	digital	digital	ADJ
cana-1299	18	35	technology	technology	NOUN
cana-1299	18	36	to	to	PART
cana-1299	18	37	provide	provide	VERB
cana-1299	18	38	affordable	affordable	ADJ
cana-1299	18	39	,	,	PUNCT
cana-1299	18	40	convenient	convenient	ADJ
cana-1299	18	41	,	,	PUNCT
cana-1299	18	42	transparent	transparent	ADJ
cana-1299	18	43	,	,	PUNCT
cana-1299	18	44	safe	safe	ADJ
cana-1299	18	45	and	and	CCONJ
cana-1299	18	46	secure	secure	ADJ
cana-1299	18	47	financial	financial	ADJ
cana-1299	18	48	services	service	NOUN
cana-1299	18	49	and	and	CCONJ
cana-1299	18	50	economic	economic	ADJ
cana-1299	18	51	empowerment	empowerment	NOUN
cana-1299	18	52	of	of	ADP
cana-1299	18	53	people	people	NOUN
cana-1299	18	54	.	.	PUNCT
cana-1299	19	1	https://www.elibrary.imf.org/display/book/9798400223525/ch007.xml#ch007ref05	https://www.elibrary.imf.org/display/book/9798400223525/ch007.xml#ch007ref05	VERB
cana-1299	19	2	communications	communication	NOUN
cana-1299	19	3	on	on	ADP
cana-1299	19	4	applied	apply	VERB
cana-1299	19	5	nonlinear	nonlinear	ADJ
cana-1299	19	6	analysis	analysis	NOUN
cana-1299	19	7	issn	issn	NOUN
cana-1299	19	8	:	:	PUNCT
cana-1299	19	9	1074	1074	NUM
cana-1299	19	10	-	-	PUNCT
cana-1299	19	11	133x	133x	NUM
cana-1299	19	12	vol	vol	NOUN
cana-1299	19	13	31	31	NUM
cana-1299	19	14	no	no	NOUN
cana-1299	19	15	.	.	PUNCT
cana-1299	20	1	7s	7	NOUN
cana-1299	20	2	(	(	PUNCT
cana-1299	20	3	2024	2024	NUM
cana-1299	20	4	)	)	PUNCT
cana-1299	20	5	240	240	NUM
cana-1299	20	6	https://internationalpubls.com	https://internationalpubls.com	X
cana-1299	20	7	financial	financial	ADJ
cana-1299	20	8	inclusion	inclusion	NOUN
cana-1299	20	9	in	in	ADP
cana-1299	20	10	india	india	PROPN
cana-1299	20	11	has	have	AUX
cana-1299	20	12	been	be	AUX
cana-1299	20	13	witnessing	witness	VERB
cana-1299	20	14	transformational	transformational	ADJ
cana-1299	20	15	shift	shift	NOUN
cana-1299	20	16	especially	especially	ADV
cana-1299	20	17	in	in	ADP
cana-1299	20	18	last	last	ADJ
cana-1299	20	19	decade	decade	NOUN
cana-1299	20	20	.	.	PUNCT
cana-1299	21	1	the	the	DET
cana-1299	21	2	initiative	initiative	NOUN
cana-1299	21	3	saw	see	VERB
cana-1299	21	4	a	a	DET
cana-1299	21	5	paradigm	paradigm	NOUN
cana-1299	21	6	shift	shift	NOUN
cana-1299	21	7	since	since	SCONJ
cana-1299	21	8	2014	2014	NUM
cana-1299	21	9	with	with	ADP
cana-1299	21	10	the	the	DET
cana-1299	21	11	introduction	introduction	NOUN
cana-1299	21	12	of	of	ADP
cana-1299	21	13	jam	jam	NOUN
cana-1299	21	14	trinity	trinity	PROPN
cana-1299	21	15	encompassing	encompass	VERB
cana-1299	21	16	jan	jan	PROPN
cana-1299	21	17	dhan	dhan	PROPN
cana-1299	21	18	yojana	yojana	PROPN
cana-1299	21	19	(	(	PUNCT
cana-1299	21	20	pmjdy	pmjdy	PROPN
cana-1299	21	21	)	)	PUNCT
cana-1299	21	22	for	for	ADP
cana-1299	21	23	universal	universal	ADJ
cana-1299	21	24	banking	banking	NOUN
cana-1299	21	25	access	access	NOUN
cana-1299	21	26	for	for	ADP
cana-1299	21	27	all	all	PRON
cana-1299	21	28	,	,	PUNCT
cana-1299	21	29	aadhaar	aadhaar	NOUN
cana-1299	21	30	for	for	ADP
cana-1299	21	31	unique	unique	ADJ
cana-1299	21	32	biometric	biometric	ADJ
cana-1299	21	33	identification	identification	NOUN
cana-1299	21	34	,	,	PUNCT
cana-1299	21	35	and	and	CCONJ
cana-1299	21	36	mobile	mobile	NOUN
cana-1299	21	37	services	service	NOUN
cana-1299	21	38	for	for	ADP
cana-1299	21	39	direct	direct	ADJ
cana-1299	21	40	transfers	transfer	NOUN
cana-1299	21	41	.	.	PUNCT
cana-1299	22	1	in	in	ADP
cana-1299	22	2	order	order	NOUN
cana-1299	22	3	to	to	PART
cana-1299	22	4	bring	bring	VERB
cana-1299	22	5	in	in	ADP
cana-1299	22	6	the	the	DET
cana-1299	22	7	unbanked	unbanked	ADJ
cana-1299	22	8	population	population	NOUN
cana-1299	22	9	which	which	PRON
cana-1299	22	10	were	be	AUX
cana-1299	22	11	lying	lie	VERB
cana-1299	22	12	at	at	ADP
cana-1299	22	13	bottom	bottom	NOUN
cana-1299	22	14	of	of	ADP
cana-1299	22	15	the	the	DET
cana-1299	22	16	social	social	ADJ
cana-1299	22	17	and	and	CCONJ
cana-1299	22	18	economic	economic	ADJ
cana-1299	22	19	pyramid	pyramid	NOUN
cana-1299	22	20	into	into	ADP
cana-1299	22	21	the	the	DET
cana-1299	22	22	mainstream	mainstream	ADJ
cana-1299	22	23	economic	economic	ADJ
cana-1299	22	24	system	system	NOUN
cana-1299	22	25	and	and	CCONJ
cana-1299	22	26	formal	formal	ADJ
cana-1299	22	27	financial	financial	ADJ
cana-1299	22	28	sector	sector	NOUN
cana-1299	22	29	,	,	PUNCT
cana-1299	22	30	the	the	DET
cana-1299	22	31	digital	digital	ADJ
cana-1299	22	32	india	india	PROPN
cana-1299	22	33	campaign	campaign	NOUN
cana-1299	22	34	launched	launch	VERB
cana-1299	22	35	in	in	ADP
cana-1299	22	36	2015	2015	NUM
cana-1299	22	37	provided	provide	VERB
cana-1299	22	38	a	a	DET
cana-1299	22	39	catalysing	catalyse	VERB
cana-1299	22	40	effect	effect	NOUN
cana-1299	22	41	.	.	PUNCT
cana-1299	23	1	the	the	DET
cana-1299	23	2	robust	robust	ADJ
cana-1299	23	3	digital	digital	ADJ
cana-1299	23	4	payment	payment	NOUN
cana-1299	23	5	infrastructure	infrastructure	NOUN
cana-1299	23	6	which	which	PRON
cana-1299	23	7	was	be	AUX
cana-1299	23	8	put	put	VERB
cana-1299	23	9	in	in	ADP
cana-1299	23	10	place	place	NOUN
cana-1299	23	11	aided	aid	VERB
cana-1299	23	12	an	an	DET
cana-1299	23	13	ecosystem	ecosystem	NOUN
cana-1299	23	14	which	which	PRON
cana-1299	23	15	attracted	attract	VERB
cana-1299	23	16	people	people	NOUN
cana-1299	23	17	from	from	ADP
cana-1299	23	18	all	all	DET
cana-1299	23	19	sections	section	NOUN
cana-1299	23	20	of	of	ADP
cana-1299	23	21	society	society	NOUN
cana-1299	23	22	and	and	CCONJ
cana-1299	23	23	the	the	DET
cana-1299	23	24	businesses	business	NOUN
cana-1299	23	25	voluntary	voluntary	ADJ
cana-1299	23	26	joining	join	VERB
cana-1299	23	27	digital	digital	ADJ
cana-1299	23	28	bandwagon	bandwagon	NOUN
cana-1299	23	29	.	.	PUNCT
cana-1299	24	1	if	if	SCONJ
cana-1299	24	2	we	we	PRON
cana-1299	24	3	analyse	analyse	VERB
cana-1299	24	4	the	the	DET
cana-1299	24	5	current	current	ADJ
cana-1299	24	6	trend	trend	NOUN
cana-1299	24	7	of	of	ADP
cana-1299	24	8	digital	digital	ADJ
cana-1299	24	9	financial	financial	ADJ
cana-1299	24	10	transactions	transaction	NOUN
cana-1299	24	11	,	,	PUNCT
cana-1299	24	12	the	the	DET
cana-1299	24	13	retail	retail	ADJ
cana-1299	24	14	digital	digital	ADJ
cana-1299	24	15	payments	payment	NOUN
cana-1299	24	16	in	in	ADP
cana-1299	24	17	india	india	PROPN
cana-1299	24	18	have	have	AUX
cana-1299	24	19	grown	grow	VERB
cana-1299	24	20	from	from	ADP
cana-1299	24	21	162	162	NUM
cana-1299	24	22	crore	crore	NOUN
cana-1299	24	23	transactions	transaction	NOUN
cana-1299	24	24	in	in	ADP
cana-1299	24	25	fy	fy	PROPN
cana-1299	24	26	2012	2012	NUM
cana-1299	24	27	-	-	SYM
cana-1299	24	28	13	13	NUM
cana-1299	24	29	to	to	ADP
cana-1299	24	30	over	over	ADP
cana-1299	24	31	14,726	14,726	NUM
cana-1299	24	32	crore	crore	NUM
cana-1299	24	33	transactions	transaction	NOUN
cana-1299	24	34	in	in	ADP
cana-1299	24	35	2023	2023	NUM
cana-1299	24	36	-	-	SYM
cana-1299	24	37	24	24	NUM
cana-1299	24	38	(	(	PUNCT
cana-1299	24	39	till	till	SCONJ
cana-1299	24	40	february	february	PROPN
cana-1299	24	41	2024	2024	NUM
cana-1299	24	42	)	)	PUNCT
cana-1299	24	43	i.e.	i.e.	X
cana-1299	24	44	,	,	PUNCT
cana-1299	24	45	a	a	DET
cana-1299	24	46	staggering	staggering	ADJ
cana-1299	24	47	90	90	NUM
cana-1299	24	48	-	-	ADJ
cana-1299	24	49	fold	fold	ADJ
cana-1299	24	50	increase	increase	NOUN
cana-1299	24	51	over	over	ADP
cana-1299	24	52	a	a	DET
cana-1299	24	53	period	period	NOUN
cana-1299	24	54	of	of	ADP
cana-1299	24	55	12	12	NUM
cana-1299	24	56	years	year	NOUN
cana-1299	24	57	.	.	PUNCT
cana-1299	25	1	today	today	NOUN
cana-1299	25	2	,	,	PUNCT
cana-1299	25	3	india	india	PROPN
cana-1299	25	4	accounts	account	VERB
cana-1299	25	5	for	for	ADP
cana-1299	25	6	nearly	nearly	ADV
cana-1299	25	7	46	46	NUM
cana-1299	25	8	%	%	NOUN
cana-1299	25	9	of	of	ADP
cana-1299	25	10	the	the	DET
cana-1299	25	11	world	world	NOUN
cana-1299	25	12	’s	’s	PART
cana-1299	25	13	digital	digital	ADJ
cana-1299	25	14	transactions	transaction	NOUN
cana-1299	25	15	(	(	PUNCT
cana-1299	25	16	as	as	ADP
cana-1299	25	17	per	per	ADP
cana-1299	25	18	2022	2022	NUM
cana-1299	25	19	data	datum	NOUN
cana-1299	25	20	)	)	PUNCT
cana-1299	25	21	.	.	PUNCT
cana-1299	26	1	the	the	DET
cana-1299	26	2	reserve	reserve	PROPN
cana-1299	26	3	bank	bank	PROPN
cana-1299	26	4	's	's	PART
cana-1299	26	5	digital	digital	ADJ
cana-1299	26	6	payment	payment	NOUN
cana-1299	26	7	index	index	NOUN
cana-1299	26	8	has	have	AUX
cana-1299	26	9	risen	rise	VERB
cana-1299	26	10	four	four	NUM
cana-1299	26	11	-	-	ADJ
cana-1299	26	12	fold	fold	ADJ
cana-1299	26	13	during	during	ADP
cana-1299	26	14	last	last	ADJ
cana-1299	26	15	five	five	NUM
cana-1299	26	16	years	year	NOUN
cana-1299	26	17	proving	prove	VERB
cana-1299	26	18	the	the	DET
cana-1299	26	19	extraordinary	extraordinary	ADJ
cana-1299	26	20	growth	growth	NOUN
cana-1299	26	21	in	in	ADP
cana-1299	26	22	digital	digital	ADJ
cana-1299	26	23	payments	payment	NOUN
cana-1299	26	24	.	.	PUNCT
cana-1299	27	1	the	the	DET
cana-1299	27	2	unified	unify	VERB
cana-1299	27	3	payments	payment	NOUN
cana-1299	27	4	interface	interface	NOUN
cana-1299	27	5	registered	register	VERB
cana-1299	27	6	a	a	DET
cana-1299	27	7	massive	massive	ADJ
cana-1299	27	8	11	11	NUM
cana-1299	27	9	billion	billion	NUM
cana-1299	27	10	transactions	transaction	NOUN
cana-1299	27	11	during	during	ADP
cana-1299	27	12	a	a	DET
cana-1299	27	13	single	single	ADJ
cana-1299	27	14	month	month	NOUN
cana-1299	27	15	of	of	ADP
cana-1299	27	16	october	october	PROPN
cana-1299	27	17	2023	2023	NUM
cana-1299	27	18	,	,	PUNCT
cana-1299	27	19	making	make	VERB
cana-1299	27	20	india	india	PROPN
cana-1299	27	21	a	a	DET
cana-1299	27	22	global	global	ADJ
cana-1299	27	23	leader	leader	NOUN
cana-1299	27	24	in	in	ADP
cana-1299	27	25	digital	digital	ADJ
cana-1299	27	26	payments	payment	NOUN
cana-1299	27	27	.	.	PUNCT
cana-1299	28	1	since	since	SCONJ
cana-1299	28	2	the	the	DET
cana-1299	28	3	launch	launch	NOUN
cana-1299	28	4	of	of	ADP
cana-1299	28	5	pradhan	pradhan	PROPN
cana-1299	28	6	mantri	mantri	PROPN
cana-1299	28	7	jan	jan	PROPN
cana-1299	28	8	dhan	dhan	PROPN
cana-1299	28	9	yojana	yojana	PROPN
cana-1299	28	10	in	in	ADP
cana-1299	28	11	2014	2014	NUM
cana-1299	28	12	,	,	PUNCT
cana-1299	28	13	500	500	NUM
cana-1299	28	14	million	million	NUM
cana-1299	28	15	bank	bank	NOUN
cana-1299	28	16	accounts	account	NOUN
cana-1299	28	17	have	have	AUX
cana-1299	28	18	been	be	AUX
cana-1299	28	19	opened	open	VERB
cana-1299	28	20	providing	provide	VERB
cana-1299	28	21	a	a	DET
cana-1299	28	22	gateway	gateway	NOUN
cana-1299	28	23	to	to	ADP
cana-1299	28	24	a	a	DET
cana-1299	28	25	huge	huge	ADJ
cana-1299	28	26	population	population	NOUN
cana-1299	28	27	entering	enter	VERB
cana-1299	28	28	formal	formal	ADJ
cana-1299	28	29	financial	financial	ADJ
cana-1299	28	30	space	space	NOUN
cana-1299	28	31	.	.	PUNCT
cana-1299	29	1	this	this	PRON
cana-1299	29	2	has	have	AUX
cana-1299	29	3	enabled	enable	VERB
cana-1299	29	4	government	government	NOUN
cana-1299	29	5	to	to	PART
cana-1299	29	6	push	push	VERB
cana-1299	29	7	the	the	DET
cana-1299	29	8	social	social	ADJ
cana-1299	29	9	benefit	benefit	NOUN
cana-1299	29	10	transfers	transfer	NOUN
cana-1299	29	11	through	through	ADP
cana-1299	29	12	direct	direct	ADJ
cana-1299	29	13	benefit	benefit	NOUN
cana-1299	29	14	transfer	transfer	NOUN
cana-1299	29	15	(	(	PUNCT
cana-1299	29	16	dbt	dbt	PROPN
cana-1299	29	17	)	)	PUNCT
cana-1299	29	18	mode	mode	NOUN
cana-1299	29	19	.	.	PUNCT
cana-1299	30	1	during	during	ADP
cana-1299	30	2	last	last	ADJ
cana-1299	30	3	year	year	NOUN
cana-1299	30	4	as	as	ADV
cana-1299	30	5	many	many	ADJ
cana-1299	30	6	as	as	ADP
cana-1299	30	7	723	723	NUM
cana-1299	30	8	million	million	NUM
cana-1299	30	9	beneficiaries	beneficiary	NOUN
cana-1299	30	10	received	receive	VERB
cana-1299	30	11	direct	direct	ADJ
cana-1299	30	12	benefit	benefit	NOUN
cana-1299	30	13	transfers	transfer	NOUN
cana-1299	30	14	(	(	PUNCT
cana-1299	30	15	dbt	dbt	PROPN
cana-1299	30	16	)	)	PUNCT
cana-1299	30	17	in	in	ADP
cana-1299	30	18	their	their	PRON
cana-1299	30	19	bank	bank	NOUN
cana-1299	30	20	accounts	account	NOUN
cana-1299	30	21	.	.	PUNCT
cana-1299	31	1	the	the	DET
cana-1299	31	2	government	government	NOUN
cana-1299	31	3	of	of	ADP
cana-1299	31	4	india	india	PROPN
cana-1299	31	5	itself	itself	PRON
cana-1299	31	6	has	have	AUX
cana-1299	31	7	transferred	transfer	VERB
cana-1299	31	8	to	to	ADP
cana-1299	31	9	the	the	DET
cana-1299	31	10	tune	tune	NOUN
cana-1299	31	11	of	of	ADP
cana-1299	31	12	₹	₹	PROPN
cana-1299	31	13	32	32	NUM
cana-1299	31	14	lakh	lakh	NOUN
cana-1299	31	15	crores	crore	NOUN
cana-1299	31	16	using	use	VERB
cana-1299	31	17	the	the	DET
cana-1299	31	18	dbt	dbt	PROPN
cana-1299	31	19	system	system	NOUN
cana-1299	31	20	,	,	PUNCT
cana-1299	31	21	which	which	PRON
cana-1299	31	22	also	also	ADV
cana-1299	31	23	resulted	result	VERB
cana-1299	31	24	into	into	ADP
cana-1299	31	25	a	a	DET
cana-1299	31	26	financial	financial	ADJ
cana-1299	31	27	savings	saving	NOUN
cana-1299	31	28	of	of	ADP
cana-1299	31	29	over	over	ADP
cana-1299	31	30	₹	₹	PROPN
cana-1299	31	31	2.7	2.7	NUM
cana-1299	31	32	lakh	lakh	NOUN
cana-1299	31	33	crores	crore	NOUN
cana-1299	31	34	.	.	PUNCT
cana-1299	32	1	these	these	DET
cana-1299	32	2	staggering	staggering	ADJ
cana-1299	32	3	figures	figure	NOUN
cana-1299	32	4	only	only	ADV
cana-1299	32	5	reemphasize	reemphasize	VERB
cana-1299	32	6	the	the	DET
cana-1299	32	7	transformational	transformational	ADJ
cana-1299	32	8	impact	impact	NOUN
cana-1299	32	9	of	of	ADP
cana-1299	32	10	digital	digital	ADJ
cana-1299	32	11	financial	financial	ADJ
cana-1299	32	12	inclusion	inclusion	NOUN
cana-1299	32	13	and	and	CCONJ
cana-1299	32	14	therefore	therefore	ADV
cana-1299	32	15	,	,	PUNCT
cana-1299	32	16	how	how	SCONJ
cana-1299	32	17	imperative	imperative	ADJ
cana-1299	32	18	it	it	PRON
cana-1299	32	19	is	be	AUX
cana-1299	32	20	for	for	SCONJ
cana-1299	32	21	the	the	DET
cana-1299	32	22	governments	government	NOUN
cana-1299	32	23	to	to	PART
cana-1299	32	24	lay	lay	VERB
cana-1299	32	25	focus	focus	NOUN
cana-1299	32	26	on	on	ADP
cana-1299	32	27	it	it	PRON
cana-1299	32	28	’s	’	VERB
cana-1299	32	29	furtherance	furtherance	NOUN
cana-1299	32	30	.	.	PUNCT
cana-1299	33	1	the	the	DET
cana-1299	33	2	world	world	NOUN
cana-1299	33	3	witnessed	witness	VERB
cana-1299	33	4	severe	severe	ADJ
cana-1299	33	5	stress	stress	NOUN
cana-1299	33	6	induced	induce	VERB
cana-1299	33	7	by	by	ADP
cana-1299	33	8	covid	covid	PROPN
cana-1299	33	9	19	19	NUM
cana-1299	33	10	pandemic	pandemic	ADJ
cana-1299	33	11	in	in	ADP
cana-1299	33	12	the	the	DET
cana-1299	33	13	form	form	NOUN
cana-1299	33	14	of	of	ADP
cana-1299	33	15	lock	lock	NOUN
cana-1299	33	16	downs	down	NOUN
cana-1299	33	17	and	and	CCONJ
cana-1299	33	18	restricted	restrict	VERB
cana-1299	33	19	mobility	mobility	NOUN
cana-1299	33	20	.	.	PUNCT
cana-1299	34	1	the	the	DET
cana-1299	34	2	pandemic	pandemic	ADJ
cana-1299	34	3	,	,	PUNCT
cana-1299	34	4	however	however	ADV
cana-1299	34	5	,	,	PUNCT
cana-1299	34	6	pushed	push	VERB
cana-1299	34	7	close	close	ADV
cana-1299	34	8	to	to	PART
cana-1299	34	9	80	80	NUM
cana-1299	34	10	million	million	NUM
cana-1299	34	11	adults	adult	NOUN
cana-1299	34	12	adopting	adopt	VERB
cana-1299	34	13	digital	digital	ADJ
cana-1299	34	14	financial	financial	ADJ
cana-1299	34	15	services	service	NOUN
cana-1299	34	16	(	(	PUNCT
cana-1299	34	17	world	world	PROPN
cana-1299	34	18	bank	bank	NOUN
cana-1299	34	19	,	,	PUNCT
cana-1299	34	20	2021	2021	NUM
cana-1299	34	21	)	)	PUNCT
cana-1299	34	22	.	.	PUNCT
cana-1299	35	1	despite	despite	SCONJ
cana-1299	35	2	a	a	DET
cana-1299	35	3	significant	significant	ADJ
cana-1299	35	4	advancement	advancement	NOUN
cana-1299	35	5	in	in	ADP
cana-1299	35	6	the	the	DET
cana-1299	35	7	area	area	NOUN
cana-1299	35	8	of	of	ADP
cana-1299	35	9	digital	digital	ADJ
cana-1299	35	10	payments	payment	NOUN
cana-1299	35	11	,	,	PUNCT
cana-1299	35	12	the	the	DET
cana-1299	35	13	country	country	NOUN
cana-1299	35	14	continues	continue	VERB
cana-1299	35	15	face	face	VERB
cana-1299	35	16	several	several	ADJ
cana-1299	35	17	hurdles	hurdle	NOUN
cana-1299	35	18	in	in	ADP
cana-1299	35	19	achieving	achieve	VERB
cana-1299	35	20	universal	universal	ADJ
cana-1299	35	21	financial	financial	ADJ
cana-1299	35	22	inclusion	inclusion	NOUN
cana-1299	35	23	.	.	PUNCT
cana-1299	36	1	some	some	PRON
cana-1299	36	2	of	of	ADP
cana-1299	36	3	these	these	DET
cana-1299	36	4	challenges	challenge	NOUN
cana-1299	36	5	are	be	AUX
cana-1299	36	6	absence	absence	NOUN
cana-1299	36	7	of	of	ADP
cana-1299	36	8	adequate	adequate	ADJ
cana-1299	36	9	infrastructure	infrastructure	NOUN
cana-1299	36	10	,	,	PUNCT
cana-1299	36	11	especially	especially	ADV
cana-1299	36	12	in	in	ADP
cana-1299	36	13	rural	rural	ADJ
cana-1299	36	14	areas	area	NOUN
cana-1299	36	15	,	,	PUNCT
cana-1299	36	16	low	low	ADJ
cana-1299	36	17	level	level	NOUN
cana-1299	36	18	of	of	ADP
cana-1299	36	19	digital	digital	ADJ
cana-1299	36	20	financial	financial	ADJ
cana-1299	36	21	awareness	awareness	NOUN
cana-1299	36	22	,	,	PUNCT
cana-1299	36	23	low	low	ADJ
cana-1299	36	24	penetration	penetration	NOUN
cana-1299	36	25	of	of	ADP
cana-1299	36	26	smart	smart	ADJ
cana-1299	36	27	phones	phone	NOUN
cana-1299	36	28	and	and	CCONJ
cana-1299	36	29	mobile	mobile	ADJ
cana-1299	36	30	technology	technology	NOUN
cana-1299	36	31	,	,	PUNCT
cana-1299	36	32	lower	low	ADJ
cana-1299	36	33	usage	usage	NOUN
cana-1299	36	34	of	of	ADP
cana-1299	36	35	financial	financial	ADJ
cana-1299	36	36	products	product	NOUN
cana-1299	36	37	,	,	PUNCT
cana-1299	36	38	lack	lack	NOUN
cana-1299	36	39	of	of	ADP
cana-1299	36	40	confidence	confidence	NOUN
cana-1299	36	41	and	and	CCONJ
cana-1299	36	42	trust	trust	NOUN
cana-1299	36	43	in	in	ADP
cana-1299	36	44	the	the	DET
cana-1299	36	45	digital	digital	ADJ
cana-1299	36	46	systems	system	NOUN
cana-1299	36	47	,	,	PUNCT
cana-1299	36	48	digital	digital	ADJ
cana-1299	36	49	divide	divide	NOUN
cana-1299	36	50	and	and	CCONJ
cana-1299	36	51	most	most	ADV
cana-1299	36	52	importantly	importantly	ADV
cana-1299	36	53	socio	socio	NOUN
cana-1299	36	54	-	-	PUNCT
cana-1299	36	55	economic	economic	ADJ
cana-1299	36	56	barriers	barrier	NOUN
cana-1299	36	57	due	due	ADJ
cana-1299	36	58	to	to	ADP
cana-1299	36	59	which	which	PRON
cana-1299	36	60	some	some	DET
cana-1299	36	61	people	people	NOUN
cana-1299	36	62	are	be	AUX
cana-1299	36	63	still	still	ADV
cana-1299	36	64	out	out	ADP
cana-1299	36	65	of	of	ADP
cana-1299	36	66	formal	formal	ADJ
cana-1299	36	67	financial	financial	ADJ
cana-1299	36	68	systems	system	NOUN
cana-1299	36	69	.	.	PUNCT
cana-1299	37	1	there	there	PRON
cana-1299	37	2	needs	need	VERB
cana-1299	37	3	a	a	DET
cana-1299	37	4	multi	multi	ADJ
cana-1299	37	5	-	-	ADJ
cana-1299	37	6	pronged	pronged	ADJ
cana-1299	37	7	approach	approach	NOUN
cana-1299	37	8	by	by	ADP
cana-1299	37	9	government(s	government(	NOUN
cana-1299	37	10	)	)	PUNCT
cana-1299	37	11	,	,	PUNCT
cana-1299	37	12	regulators	regulator	NOUN
cana-1299	37	13	,	,	PUNCT
cana-1299	37	14	financial	financial	ADJ
cana-1299	37	15	service	service	NOUN
cana-1299	37	16	providers	provider	NOUN
cana-1299	37	17	,	,	PUNCT
cana-1299	37	18	private	private	ADJ
cana-1299	37	19	sector	sector	NOUN
cana-1299	37	20	,	,	PUNCT
cana-1299	37	21	and	and	CCONJ
cana-1299	37	22	also	also	ADV
cana-1299	37	23	community	community	NOUN
cana-1299	37	24	involvement	involvement	NOUN
cana-1299	37	25	to	to	PART
cana-1299	37	26	address	address	VERB
cana-1299	37	27	these	these	DET
cana-1299	37	28	challenges	challenge	NOUN
cana-1299	37	29	effectively	effectively	ADV
cana-1299	37	30	.	.	PUNCT
cana-1299	38	1	odisha	odisha	PROPN
cana-1299	38	2	,	,	PUNCT
cana-1299	38	3	being	be	AUX
cana-1299	38	4	one	one	NUM
cana-1299	38	5	of	of	ADP
cana-1299	38	6	the	the	DET
cana-1299	38	7	poorest	poor	ADJ
cana-1299	38	8	states	state	NOUN
cana-1299	38	9	of	of	ADP
cana-1299	38	10	the	the	DET
cana-1299	38	11	country	country	NOUN
cana-1299	38	12	needs	need	VERB
cana-1299	38	13	significant	significant	ADJ
cana-1299	38	14	efforts	effort	NOUN
cana-1299	38	15	to	to	PART
cana-1299	38	16	uplift	uplift	VERB
cana-1299	38	17	it	it	PRON
cana-1299	38	18	’s	’	VERB
cana-1299	38	19	population	population	NOUN
cana-1299	38	20	from	from	ADP
cana-1299	38	21	clutches	clutch	NOUN
cana-1299	38	22	of	of	ADP
cana-1299	38	23	poverty	poverty	NOUN
cana-1299	38	24	and	and	CCONJ
cana-1299	38	25	backwardness	backwardness	NOUN
cana-1299	38	26	.	.	PUNCT
cana-1299	39	1	the	the	DET
cana-1299	39	2	state	state	NOUN
cana-1299	39	3	continues	continue	VERB
cana-1299	39	4	to	to	PART
cana-1299	39	5	be	be	AUX
cana-1299	39	6	plagued	plague	VERB
cana-1299	39	7	by	by	ADP
cana-1299	39	8	lack	lack	NOUN
cana-1299	39	9	of	of	ADP
cana-1299	39	10	access	access	NOUN
cana-1299	39	11	to	to	ADP
cana-1299	39	12	financial	financial	ADJ
cana-1299	39	13	infrastructure	infrastructure	NOUN
cana-1299	39	14	,	,	PUNCT
cana-1299	39	15	low	low	ADJ
cana-1299	39	16	digital	digital	ADJ
cana-1299	39	17	penetrations	penetration	NOUN
cana-1299	39	18	and	and	CCONJ
cana-1299	39	19	social	social	ADJ
cana-1299	39	20	and	and	CCONJ
cana-1299	39	21	economical	economical	ADJ
cana-1299	39	22	challenges	challenge	NOUN
cana-1299	39	23	.	.	PUNCT
cana-1299	40	1	an	an	DET
cana-1299	40	2	attempt	attempt	NOUN
cana-1299	40	3	has	have	AUX
cana-1299	40	4	been	be	AUX
cana-1299	40	5	made	make	VERB
cana-1299	40	6	through	through	ADP
cana-1299	40	7	this	this	DET
cana-1299	40	8	study	study	NOUN
cana-1299	40	9	to	to	PART
cana-1299	40	10	examine	examine	VERB
cana-1299	40	11	various	various	ADJ
cana-1299	40	12	facets	facet	NOUN
cana-1299	40	13	of	of	ADP
cana-1299	40	14	impact	impact	NOUN
cana-1299	40	15	of	of	ADP
cana-1299	40	16	socio	socio	NOUN
cana-1299	40	17	-	-	ADJ
cana-1299	40	18	demographic	demographic	ADJ
cana-1299	40	19	factors	factor	NOUN
cana-1299	40	20	on	on	ADP
cana-1299	40	21	aspects	aspect	NOUN
cana-1299	40	22	of	of	ADP
cana-1299	40	23	digital	digital	ADJ
cana-1299	40	24	financial	financial	ADJ
cana-1299	40	25	inclusion	inclusion	NOUN
cana-1299	40	26	in	in	ADP
cana-1299	40	27	rural	rural	ADJ
cana-1299	40	28	areas	area	NOUN
cana-1299	40	29	.	.	PUNCT
cana-1299	41	1	https://www.financialexpress.com/india-news/	https://www.financialexpress.com/india-news/	NOUN
cana-1299	41	2	communications	communication	NOUN
cana-1299	41	3	on	on	ADP
cana-1299	41	4	applied	apply	VERB
cana-1299	41	5	nonlinear	nonlinear	ADJ
cana-1299	41	6	analysis	analysis	NOUN
cana-1299	41	7	issn	issn	NOUN
cana-1299	41	8	:	:	PUNCT
cana-1299	41	9	1074	1074	NUM
cana-1299	41	10	-	-	PUNCT
cana-1299	41	11	133x	133x	NUM
cana-1299	41	12	vol	vol	NOUN
cana-1299	41	13	31	31	NUM
cana-1299	41	14	no	no	NOUN
cana-1299	41	15	.	.	PUNCT
cana-1299	42	1	7s	7	NOUN
cana-1299	42	2	(	(	PUNCT
cana-1299	42	3	2024	2024	NUM
cana-1299	42	4	)	)	PUNCT
cana-1299	42	5	241	241	NUM
cana-1299	42	6	https://internationalpubls.com	https://internationalpubls.com	X
cana-1299	42	7	2	2	X
cana-1299	42	8	.	.	X
cana-1299	42	9	literature	literature	PROPN
cana-1299	42	10	review	review	PROPN
cana-1299	42	11	:	:	PUNCT
cana-1299	42	12	ali	ali	PROPN
cana-1299	42	13	,	,	PUNCT
cana-1299	42	14	j.	j.	PROPN
cana-1299	42	15	and	and	CCONJ
cana-1299	42	16	ghildiyal	ghildiyal	NOUN
cana-1299	42	17	,	,	PUNCT
cana-1299	42	18	a.k.(2023	a.k.(2023	NOUN
cana-1299	42	19	)	)	PUNCT
cana-1299	42	20	carried	carry	VERB
cana-1299	42	21	out	out	ADP
cana-1299	42	22	a	a	DET
cana-1299	42	23	study	study	NOUN
cana-1299	42	24	on	on	ADP
cana-1299	42	25	‘	'	PUNCT
cana-1299	42	26	socio	socio	NOUN
cana-1299	42	27	-	-	PUNCT
cana-1299	42	28	economic	economic	ADJ
cana-1299	42	29	characteristics	characteristic	NOUN
cana-1299	42	30	,	,	PUNCT
cana-1299	42	31	mobile	mobile	ADJ
cana-1299	42	32	phone	phone	NOUN
cana-1299	42	33	ownership	ownership	NOUN
cana-1299	42	34	and	and	CCONJ
cana-1299	42	35	banking	banking	NOUN
cana-1299	42	36	behaviour	behaviour	NOUN
cana-1299	42	37	of	of	ADP
cana-1299	42	38	individuals	individual	NOUN
cana-1299	42	39	as	as	ADP
cana-1299	42	40	determinants	determinant	NOUN
cana-1299	42	41	of	of	ADP
cana-1299	42	42	digital	digital	ADJ
cana-1299	42	43	financial	financial	ADJ
cana-1299	42	44	inclusion	inclusion	NOUN
cana-1299	42	45	in	in	ADP
cana-1299	42	46	india	india	PROPN
cana-1299	42	47	’	'	PUNCT
cana-1299	42	48	.	.	PUNCT
cana-1299	43	1	the	the	DET
cana-1299	43	2	findings	finding	NOUN
cana-1299	43	3	of	of	ADP
cana-1299	43	4	the	the	DET
cana-1299	43	5	study	study	NOUN
cana-1299	43	6	revealed	reveal	VERB
cana-1299	43	7	that	that	SCONJ
cana-1299	43	8	there	there	PRON
cana-1299	43	9	is	be	VERB
cana-1299	43	10	a	a	DET
cana-1299	43	11	significant	significant	ADJ
cana-1299	43	12	association	association	NOUN
cana-1299	43	13	between	between	ADP
cana-1299	43	14	the	the	DET
cana-1299	43	15	socio	socio	NOUN
cana-1299	43	16	-	-	PUNCT
cana-1299	43	17	economic	economic	ADJ
cana-1299	43	18	profiles	profile	NOUN
cana-1299	43	19	of	of	ADP
cana-1299	43	20	individuals	individual	NOUN
cana-1299	43	21	with	with	ADP
cana-1299	43	22	the	the	DET
cana-1299	43	23	adoption	adoption	NOUN
cana-1299	43	24	of	of	ADP
cana-1299	43	25	digital	digital	ADJ
cana-1299	43	26	financial	financial	ADJ
cana-1299	43	27	services	service	NOUN
cana-1299	43	28	in	in	ADP
cana-1299	43	29	terms	term	NOUN
cana-1299	43	30	of	of	ADP
cana-1299	43	31	gender	gender	NOUN
cana-1299	43	32	,	,	PUNCT
cana-1299	43	33	age	age	NOUN
cana-1299	43	34	,	,	PUNCT
cana-1299	43	35	education	education	NOUN
cana-1299	43	36	,	,	PUNCT
cana-1299	43	37	occupation	occupation	NOUN
cana-1299	43	38	and	and	CCONJ
cana-1299	43	39	income	income	NOUN
cana-1299	43	40	.	.	PUNCT
cana-1299	44	1	the	the	DET
cana-1299	44	2	researchers	researcher	NOUN
cana-1299	44	3	have	have	AUX
cana-1299	44	4	further	far	ADV
cana-1299	44	5	mentioned	mention	VERB
cana-1299	44	6	that	that	SCONJ
cana-1299	44	7	the	the	DET
cana-1299	44	8	marginal	marginal	ADJ
cana-1299	44	9	effect	effect	NOUN
cana-1299	44	10	indicated	indicate	VERB
cana-1299	44	11	that	that	SCONJ
cana-1299	44	12	socio	socio	NOUN
cana-1299	44	13	-	-	PUNCT
cana-1299	44	14	economic	economic	ADJ
cana-1299	44	15	factors	factor	NOUN
cana-1299	44	16	,	,	PUNCT
cana-1299	44	17	mobile	mobile	ADJ
cana-1299	44	18	phone	phone	NOUN
cana-1299	44	19	ownership	ownership	NOUN
cana-1299	44	20	and	and	CCONJ
cana-1299	44	21	individual	individual	NOUN
cana-1299	44	22	’s	’s	PART
cana-1299	44	23	behaviour	behaviour	NOUN
cana-1299	44	24	from	from	ADP
cana-1299	44	25	banking	banking	NOUN
cana-1299	44	26	perspective	perspective	NOUN
cana-1299	44	27	towards	towards	ADP
cana-1299	44	28	borrowings	borrowing	NOUN
cana-1299	44	29	and	and	CCONJ
cana-1299	44	30	savings	saving	NOUN
cana-1299	44	31	have	have	AUX
cana-1299	44	32	had	have	VERB
cana-1299	44	33	significant	significant	ADJ
cana-1299	44	34	influence	influence	NOUN
cana-1299	44	35	on	on	ADP
cana-1299	44	36	digital	digital	ADJ
cana-1299	44	37	financial	financial	ADJ
cana-1299	44	38	inclusion	inclusion	NOUN
cana-1299	44	39	.	.	PUNCT
cana-1299	45	1	the	the	DET
cana-1299	45	2	researchers	researcher	NOUN
cana-1299	45	3	mention	mention	VERB
cana-1299	45	4	that	that	SCONJ
cana-1299	45	5	factors	factor	NOUN
cana-1299	45	6	like	like	ADP
cana-1299	45	7	age	age	NOUN
cana-1299	45	8	,	,	PUNCT
cana-1299	45	9	education	education	NOUN
cana-1299	45	10	,	,	PUNCT
cana-1299	45	11	working	work	VERB
cana-1299	45	12	status	status	NOUN
cana-1299	45	13	and	and	CCONJ
cana-1299	45	14	higher	high	ADJ
cana-1299	45	15	income	income	NOUN
cana-1299	45	16	are	be	AUX
cana-1299	45	17	more	more	ADV
cana-1299	45	18	likely	likely	ADJ
cana-1299	45	19	to	to	PART
cana-1299	45	20	impact	impact	VERB
cana-1299	45	21	adoption	adoption	NOUN
cana-1299	45	22	of	of	ADP
cana-1299	45	23	digital	digital	ADJ
cana-1299	45	24	financial	financial	ADJ
cana-1299	45	25	services	service	NOUN
cana-1299	45	26	.	.	PUNCT
cana-1299	46	1	ljumovic	ljumovic	PROPN
cana-1299	46	2	,	,	PUNCT
cana-1299	46	3	i.	i.	PROPN
cana-1299	46	4	,	,	PUNCT
cana-1299	46	5	jaksic	jaksic	PROPN
cana-1299	46	6	,	,	PUNCT
cana-1299	46	7	k.	k.	PROPN
cana-1299	46	8	and	and	CCONJ
cana-1299	46	9	trajkovic	trajkovic	PROPN
cana-1299	46	10	,	,	PUNCT
cana-1299	46	11	s.	s.	PROPN
cana-1299	46	12	(	(	PUNCT
cana-1299	46	13	2021	2021	NUM
cana-1299	46	14	)	)	PUNCT
cana-1299	46	15	in	in	ADP
cana-1299	46	16	their	their	PRON
cana-1299	46	17	study	study	NOUN
cana-1299	46	18	titled	title	VERB
cana-1299	46	19	‘	'	PUNCT
cana-1299	46	20	socio	socio	NOUN
cana-1299	46	21	-	-	ADJ
cana-1299	46	22	demographic	demographic	ADJ
cana-1299	46	23	characteristics	characteristic	NOUN
cana-1299	46	24	of	of	ADP
cana-1299	46	25	digital	digital	ADJ
cana-1299	46	26	financial	financial	ADJ
cana-1299	46	27	services	service	NOUN
cana-1299	46	28	users	user	NOUN
cana-1299	46	29	:	:	PUNCT
cana-1299	46	30	evidence	evidence	NOUN
cana-1299	46	31	from	from	ADP
cana-1299	46	32	serbia	serbia	PROPN
cana-1299	46	33	’	'	PUNCT
cana-1299	46	34	examined	examine	VERB
cana-1299	46	35	the	the	DET
cana-1299	46	36	sociodemographic	sociodemographic	ADJ
cana-1299	46	37	characteristics	characteristic	NOUN
cana-1299	46	38	of	of	ADP
cana-1299	46	39	users	user	NOUN
cana-1299	46	40	of	of	ADP
cana-1299	46	41	digital	digital	ADJ
cana-1299	46	42	financial	financial	ADJ
cana-1299	46	43	services	service	NOUN
cana-1299	46	44	in	in	ADP
cana-1299	46	45	the	the	DET
cana-1299	46	46	republic	republic	NOUN
cana-1299	46	47	of	of	ADP
cana-1299	46	48	serbia	serbia	PROPN
cana-1299	46	49	.	.	PUNCT
cana-1299	47	1	the	the	DET
cana-1299	47	2	authors	author	NOUN
cana-1299	47	3	examined	examine	VERB
cana-1299	47	4	the	the	DET
cana-1299	47	5	impact	impact	NOUN
cana-1299	47	6	of	of	ADP
cana-1299	47	7	age	age	NOUN
cana-1299	47	8	,	,	PUNCT
cana-1299	47	9	education	education	NOUN
cana-1299	47	10	,	,	PUNCT
cana-1299	47	11	employment	employment	NOUN
cana-1299	47	12	and	and	CCONJ
cana-1299	47	13	income	income	NOUN
cana-1299	47	14	on	on	ADP
cana-1299	47	15	adoption	adoption	NOUN
cana-1299	47	16	of	of	ADP
cana-1299	47	17	digital	digital	ADJ
cana-1299	47	18	financial	financial	ADJ
cana-1299	47	19	services	service	NOUN
cana-1299	47	20	.	.	PUNCT
cana-1299	48	1	the	the	DET
cana-1299	48	2	results	result	NOUN
cana-1299	48	3	of	of	ADP
cana-1299	48	4	the	the	DET
cana-1299	48	5	study	study	NOUN
cana-1299	48	6	revealed	reveal	VERB
cana-1299	48	7	that	that	SCONJ
cana-1299	48	8	socio	socio	NOUN
cana-1299	48	9	-	-	PUNCT
cana-1299	48	10	demographic	demographic	ADJ
cana-1299	48	11	factors	factor	NOUN
cana-1299	48	12	,	,	PUNCT
cana-1299	48	13	apart	apart	ADV
cana-1299	48	14	from	from	ADP
cana-1299	48	15	gender	gender	NOUN
cana-1299	48	16	and	and	CCONJ
cana-1299	48	17	income	income	NOUN
cana-1299	48	18	level	level	NOUN
cana-1299	48	19	,	,	PUNCT
cana-1299	48	20	were	be	AUX
cana-1299	48	21	statistically	statistically	ADV
cana-1299	48	22	significant	significant	ADJ
cana-1299	48	23	.	.	PUNCT
cana-1299	49	1	education	education	NOUN
cana-1299	49	2	also	also	ADV
cana-1299	49	3	emerged	emerge	VERB
cana-1299	49	4	as	as	ADP
cana-1299	49	5	a	a	DET
cana-1299	49	6	strong	strong	ADJ
cana-1299	49	7	factor	factor	NOUN
cana-1299	49	8	influencing	influence	VERB
cana-1299	49	9	the	the	DET
cana-1299	49	10	behaviours	behaviour	NOUN
cana-1299	49	11	of	of	ADP
cana-1299	49	12	users	user	NOUN
cana-1299	49	13	towards	towards	ADP
cana-1299	49	14	digital	digital	ADJ
cana-1299	49	15	financial	financial	ADJ
cana-1299	49	16	inclusion	inclusion	NOUN
cana-1299	49	17	.	.	PUNCT
cana-1299	50	1	vinitha	vinitha	PROPN
cana-1299	50	2	,	,	PUNCT
cana-1299	50	3	k.	k.	PROPN
cana-1299	50	4	and	and	CCONJ
cana-1299	50	5	vasanta	vasanta	NOUN
cana-1299	50	6	,	,	PUNCT
cana-1299	50	7	s.(2017	s.(2017	PROPN
cana-1299	50	8	)	)	PUNCT
cana-1299	50	9	in	in	ADP
cana-1299	50	10	their	their	PRON
cana-1299	50	11	study	study	NOUN
cana-1299	50	12	titled	title	VERB
cana-1299	50	13	“	"	PUNCT
cana-1299	50	14	factors	factor	NOUN
cana-1299	50	15	influencing	influence	VERB
cana-1299	50	16	consumer	consumer	NOUN
cana-1299	50	17	’s	’s	PART
cana-1299	50	18	intention	intention	NOUN
cana-1299	50	19	to	to	PART
cana-1299	50	20	adopt	adopt	VERB
cana-1299	50	21	digital	digital	ADJ
cana-1299	50	22	payment	payment	NOUN
cana-1299	50	23	”	"	PUNCT
cana-1299	50	24	examined	examine	VERB
cana-1299	50	25	various	various	ADJ
cana-1299	50	26	perceptions	perception	NOUN
cana-1299	50	27	of	of	ADP
cana-1299	50	28	users	user	NOUN
cana-1299	50	29	on	on	ADP
cana-1299	50	30	adoption	adoption	NOUN
cana-1299	50	31	of	of	ADP
cana-1299	50	32	digital	digital	ADJ
cana-1299	50	33	financial	financial	ADJ
cana-1299	50	34	services	service	NOUN
cana-1299	50	35	.	.	PUNCT
cana-1299	51	1	the	the	DET
cana-1299	51	2	factors	factor	NOUN
cana-1299	51	3	like	like	ADP
cana-1299	51	4	perceived	perceive	VERB
cana-1299	51	5	risk	risk	NOUN
cana-1299	51	6	,	,	PUNCT
cana-1299	51	7	perceived	perceive	VERB
cana-1299	51	8	usefulness	usefulness	NOUN
cana-1299	51	9	,	,	PUNCT
cana-1299	51	10	perceived	perceive	VERB
cana-1299	51	11	ease	ease	NOUN
cana-1299	51	12	of	of	ADP
cana-1299	51	13	use	use	NOUN
cana-1299	51	14	and	and	CCONJ
cana-1299	51	15	trust	trust	NOUN
cana-1299	51	16	and	and	CCONJ
cana-1299	51	17	intention	intention	NOUN
cana-1299	51	18	to	to	PART
cana-1299	51	19	adopt	adopt	VERB
cana-1299	51	20	e	e	NOUN
cana-1299	51	21	-	-	NOUN
cana-1299	51	22	payment	payment	NOUN
cana-1299	51	23	was	be	AUX
cana-1299	51	24	tested	test	VERB
cana-1299	51	25	by	by	ADP
cana-1299	51	26	the	the	DET
cana-1299	51	27	researchers	researcher	NOUN
cana-1299	51	28	in	in	ADP
cana-1299	51	29	their	their	PRON
cana-1299	51	30	study	study	NOUN
cana-1299	51	31	.	.	PUNCT
cana-1299	52	1	the	the	DET
cana-1299	52	2	study	study	NOUN
cana-1299	52	3	recommends	recommend	VERB
cana-1299	52	4	that	that	SCONJ
cana-1299	52	5	to	to	PART
cana-1299	52	6	achieve	achieve	VERB
cana-1299	52	7	the	the	DET
cana-1299	52	8	desired	desire	VERB
cana-1299	52	9	penetration	penetration	NOUN
cana-1299	52	10	of	of	ADP
cana-1299	52	11	digital	digital	ADJ
cana-1299	52	12	financial	financial	ADJ
cana-1299	52	13	services	service	NOUN
cana-1299	52	14	,	,	PUNCT
cana-1299	52	15	there	there	PRON
cana-1299	52	16	needs	need	VERB
cana-1299	52	17	to	to	PART
cana-1299	52	18	be	be	AUX
cana-1299	52	19	concerted	concert	VERB
cana-1299	52	20	efforts	effort	NOUN
cana-1299	52	21	and	and	CCONJ
cana-1299	52	22	intensive	intensive	ADJ
cana-1299	52	23	work	work	NOUN
cana-1299	52	24	to	to	PART
cana-1299	52	25	increase	increase	VERB
cana-1299	52	26	digital	digital	ADJ
cana-1299	52	27	financial	financial	ADJ
cana-1299	52	28	awareness	awareness	NOUN
cana-1299	52	29	,	,	PUNCT
cana-1299	52	30	increase	increase	VERB
cana-1299	52	31	convenience	convenience	NOUN
cana-1299	52	32	and	and	CCONJ
cana-1299	52	33	ease	ease	NOUN
cana-1299	52	34	of	of	ADP
cana-1299	52	35	use	use	NOUN
cana-1299	52	36	,	,	PUNCT
cana-1299	52	37	make	make	VERB
cana-1299	52	38	it	it	PRON
cana-1299	52	39	easily	easily	ADV
cana-1299	52	40	accessible	accessible	ADJ
cana-1299	52	41	and	and	CCONJ
cana-1299	52	42	available	available	ADJ
cana-1299	52	43	and	and	CCONJ
cana-1299	52	44	strengthen	strengthen	VERB
cana-1299	52	45	the	the	DET
cana-1299	52	46	statutory	statutory	ADJ
cana-1299	52	47	framework	framework	NOUN
cana-1299	52	48	.	.	PUNCT
cana-1299	53	1	kandari	kandari	NOUN
cana-1299	53	2	,	,	PUNCT
cana-1299	53	3	p.	p.	NOUN
cana-1299	53	4	,	,	PUNCT
cana-1299	53	5	bahuguna	bahuguna	PROPN
cana-1299	53	6	,	,	PUNCT
cana-1299	53	7	u.	u.	PROPN
cana-1299	53	8	and	and	CCONJ
cana-1299	53	9	salgotra	salgotra	ADJ
cana-1299	53	10	,	,	PUNCT
cana-1299	53	11	a.k.(2021	a.k.(2021	NUM
cana-1299	53	12	)	)	PUNCT
cana-1299	53	13	in	in	ADP
cana-1299	53	14	their	their	PRON
cana-1299	53	15	study	study	NOUN
cana-1299	53	16	titled	title	VERB
cana-1299	53	17	‘	'	PUNCT
cana-1299	53	18	socio	socio	NOUN
cana-1299	53	19	-	-	PUNCT
cana-1299	53	20	economic	economic	ADJ
cana-1299	53	21	and	and	CCONJ
cana-1299	53	22	demographic	demographic	ADJ
cana-1299	53	23	determinants	determinant	NOUN
cana-1299	53	24	of	of	ADP
cana-1299	53	25	financial	financial	ADJ
cana-1299	53	26	inclusion	inclusion	NOUN
cana-1299	53	27	in	in	ADP
cana-1299	53	28	underdeveloped	underdeveloped	ADJ
cana-1299	53	29	regions	region	NOUN
cana-1299	53	30	:	:	PUNCT
cana-1299	53	31	a	a	DET
cana-1299	53	32	case	case	NOUN
cana-1299	53	33	study	study	NOUN
cana-1299	53	34	in	in	ADP
cana-1299	53	35	india	india	PROPN
cana-1299	53	36	’	'	PUNCT
cana-1299	53	37	examined	examine	VERB
cana-1299	53	38	the	the	DET
cana-1299	53	39	relationship	relationship	NOUN
cana-1299	53	40	between	between	ADP
cana-1299	53	41	financial	financial	ADJ
cana-1299	53	42	inclusion	inclusion	NOUN
cana-1299	53	43	and	and	CCONJ
cana-1299	53	44	socio	socio	NOUN
cana-1299	53	45	-	-	PUNCT
cana-1299	53	46	economic	economic	ADJ
cana-1299	53	47	and	and	CCONJ
cana-1299	53	48	demographic	demographic	ADJ
cana-1299	53	49	factors	factor	NOUN
cana-1299	53	50	.	.	PUNCT
cana-1299	54	1	the	the	DET
cana-1299	54	2	findings	finding	NOUN
cana-1299	54	3	of	of	ADP
cana-1299	54	4	the	the	DET
cana-1299	54	5	study	study	NOUN
cana-1299	54	6	revealed	reveal	VERB
cana-1299	54	7	that	that	SCONJ
cana-1299	54	8	significant	significant	ADJ
cana-1299	54	9	association	association	NOUN
cana-1299	54	10	of	of	ADP
cana-1299	54	11	socio	socio	NOUN
cana-1299	54	12	-	-	PUNCT
cana-1299	54	13	economic	economic	ADJ
cana-1299	54	14	variables	variable	NOUN
cana-1299	54	15	exist	exist	VERB
cana-1299	54	16	with	with	ADP
cana-1299	54	17	financial	financial	ADJ
cana-1299	54	18	inclusion	inclusion	NOUN
cana-1299	54	19	.	.	PUNCT
cana-1299	55	1	the	the	DET
cana-1299	55	2	study	study	NOUN
cana-1299	55	3	further	far	ADV
cana-1299	55	4	reveals	reveal	VERB
cana-1299	55	5	that	that	SCONJ
cana-1299	55	6	financial	financial	ADJ
cana-1299	55	7	literacy	literacy	NOUN
cana-1299	55	8	play	play	VERB
cana-1299	55	9	a	a	DET
cana-1299	55	10	very	very	ADV
cana-1299	55	11	important	important	ADJ
cana-1299	55	12	role	role	NOUN
cana-1299	55	13	in	in	ADP
cana-1299	55	14	determining	determine	VERB
cana-1299	55	15	the	the	DET
cana-1299	55	16	likelihood	likelihood	NOUN
cana-1299	55	17	of	of	ADP
cana-1299	55	18	having	have	VERB
cana-1299	55	19	bank	bank	NOUN
cana-1299	55	20	account	account	NOUN
cana-1299	55	21	,	,	PUNCT
cana-1299	55	22	usage	usage	NOUN
cana-1299	55	23	of	of	ADP
cana-1299	55	24	mobile	mobile	ADJ
cana-1299	55	25	banking	banking	NOUN
cana-1299	55	26	facility	facility	NOUN
cana-1299	55	27	and	and	CCONJ
cana-1299	55	28	availing	avail	VERB
cana-1299	55	29	credit	credit	NOUN
cana-1299	55	30	from	from	ADP
cana-1299	55	31	formal	formal	ADJ
cana-1299	55	32	financial	financial	ADJ
cana-1299	55	33	sources	source	NOUN
cana-1299	55	34	.	.	PUNCT
cana-1299	56	1	further	far	ADV
cana-1299	56	2	,	,	PUNCT
cana-1299	56	3	the	the	DET
cana-1299	56	4	study	study	NOUN
cana-1299	56	5	also	also	ADV
cana-1299	56	6	indicates	indicate	VERB
cana-1299	56	7	the	the	DET
cana-1299	56	8	gender	gender	NOUN
cana-1299	56	9	does	do	AUX
cana-1299	56	10	play	play	VERB
cana-1299	56	11	an	an	DET
cana-1299	56	12	important	important	ADJ
cana-1299	56	13	factor	factor	NOUN
cana-1299	56	14	and	and	CCONJ
cana-1299	56	15	women	woman	NOUN
cana-1299	56	16	are	be	AUX
cana-1299	56	17	found	find	VERB
cana-1299	56	18	more	more	ADJ
cana-1299	56	19	vulnerability	vulnerability	NOUN
cana-1299	56	20	than	than	ADP
cana-1299	56	21	men	man	NOUN
cana-1299	56	22	in	in	ADP
cana-1299	56	23	terms	term	NOUN
cana-1299	56	24	of	of	ADP
cana-1299	56	25	mobile	mobile	ADJ
cana-1299	56	26	usage	usage	NOUN
cana-1299	56	27	and	and	CCONJ
cana-1299	56	28	availing	availing	NOUN
cana-1299	56	29	credit	credit	NOUN
cana-1299	56	30	.	.	PUNCT
cana-1299	57	1	lohana	lohana	PROPN
cana-1299	57	2	,	,	PUNCT
cana-1299	57	3	s.	s.	PROPN
cana-1299	57	4	,	,	PUNCT
cana-1299	57	5	&	&	CCONJ
cana-1299	57	6	roy	roy	PROPN
cana-1299	57	7	,	,	PUNCT
cana-1299	57	8	d.	d.	PROPN
cana-1299	57	9	(	(	PUNCT
cana-1299	57	10	2023	2023	NUM
cana-1299	57	11	)	)	PUNCT
cana-1299	57	12	conducted	conduct	VERB
cana-1299	57	13	a	a	DET
cana-1299	57	14	study	study	NOUN
cana-1299	57	15	on	on	ADP
cana-1299	57	16	‘	'	PUNCT
cana-1299	57	17	impact	impact	NOUN
cana-1299	57	18	of	of	ADP
cana-1299	57	19	demographic	demographic	ADJ
cana-1299	57	20	factors	factor	NOUN
cana-1299	57	21	on	on	ADP
cana-1299	57	22	consumer	consumer	NOUN
cana-1299	57	23	’s	’s	PART
cana-1299	57	24	usage	usage	NOUN
cana-1299	57	25	of	of	ADP
cana-1299	57	26	digital	digital	ADJ
cana-1299	57	27	payments	payment	NOUN
cana-1299	57	28	’	'	PUNCT
cana-1299	57	29	.	.	PUNCT
cana-1299	58	1	the	the	DET
cana-1299	58	2	study	study	NOUN
cana-1299	58	3	reveals	reveal	VERB
cana-1299	58	4	a	a	DET
cana-1299	58	5	significant	significant	ADJ
cana-1299	58	6	impact	impact	NOUN
cana-1299	58	7	of	of	ADP
cana-1299	58	8	age	age	NOUN
cana-1299	58	9	,	,	PUNCT
cana-1299	58	10	education	education	NOUN
cana-1299	58	11	,	,	PUNCT
cana-1299	58	12	occupation	occupation	NOUN
cana-1299	58	13	and	and	CCONJ
cana-1299	58	14	income	income	NOUN
cana-1299	58	15	of	of	ADP
cana-1299	58	16	respondents	respondent	NOUN
cana-1299	58	17	on	on	ADP
cana-1299	58	18	the	the	DET
cana-1299	58	19	digital	digital	ADJ
cana-1299	58	20	financial	financial	ADJ
cana-1299	58	21	services	service	NOUN
cana-1299	58	22	usage	usage	NOUN
cana-1299	58	23	level	level	NOUN
cana-1299	58	24	,	,	PUNCT
cana-1299	58	25	however	however	ADV
cana-1299	58	26	,	,	PUNCT
cana-1299	58	27	the	the	DET
cana-1299	58	28	gender	gender	NOUN
cana-1299	58	29	and	and	CCONJ
cana-1299	58	30	marital	marital	ADJ
cana-1299	58	31	status	status	NOUN
cana-1299	58	32	came	come	VERB
cana-1299	58	33	out	out	ADP
cana-1299	58	34	with	with	ADP
cana-1299	58	35	no	no	DET
cana-1299	58	36	significant	significant	ADJ
cana-1299	58	37	impact	impact	NOUN
cana-1299	58	38	on	on	ADP
cana-1299	58	39	consumers	consumer	NOUN
cana-1299	58	40	’	'	PUNCT
cana-1299	58	41	usage	usage	NOUN
cana-1299	58	42	.	.	PUNCT
cana-1299	59	1	dwivedi	dwivedi	PROPN
cana-1299	59	2	,	,	PUNCT
cana-1299	59	3	y.k	y.k	PROPN
cana-1299	59	4	.	.	PROPN
cana-1299	59	5	,	,	PUNCT
cana-1299	59	6	et	et	NOUN
cana-1299	59	7	.	.	PUNCT
cana-1299	60	1	al.(2016	al.(2016	NOUN
cana-1299	60	2	)	)	PUNCT
cana-1299	60	3	in	in	ADP
cana-1299	60	4	their	their	PRON
cana-1299	60	5	study	study	NOUN
cana-1299	60	6	on	on	ADP
cana-1299	60	7	"	"	PUNCT
cana-1299	60	8	common	common	ADJ
cana-1299	60	9	services	service	NOUN
cana-1299	60	10	centres	centre	NOUN
cana-1299	60	11	(	(	PUNCT
cana-1299	60	12	cscs	cscs	PROPN
cana-1299	60	13	)	)	PUNCT
cana-1299	60	14	as	as	ADP
cana-1299	60	15	an	an	DET
cana-1299	60	16	approach	approach	NOUN
cana-1299	60	17	to	to	PART
cana-1299	60	18	bridge	bridge	VERB
cana-1299	60	19	the	the	DET
cana-1299	60	20	digital	digital	ADJ
cana-1299	60	21	divide	divide	NOUN
cana-1299	60	22	:	:	PUNCT
cana-1299	60	23	reflecting	reflect	VERB
cana-1299	60	24	on	on	ADP
cana-1299	60	25	challenges	challenge	NOUN
cana-1299	60	26	and	and	CCONJ
cana-1299	60	27	obstacles	obstacle	NOUN
cana-1299	60	28	"	"	PUNCT
cana-1299	60	29	have	have	AUX
cana-1299	60	30	mentioned	mention	VERB
cana-1299	60	31	that	that	SCONJ
cana-1299	60	32	there	there	PRON
cana-1299	60	33	are	be	VERB
cana-1299	60	34	certain	certain	ADJ
cana-1299	60	35	key	key	ADJ
cana-1299	60	36	issues	issue	NOUN
cana-1299	60	37	that	that	PRON
cana-1299	60	38	is	be	AUX
cana-1299	60	39	creating	create	VERB
cana-1299	60	40	hurdle	hurdle	NOUN
cana-1299	60	41	in	in	ADP
cana-1299	60	42	digital	digital	ADJ
cana-1299	60	43	payments	payment	NOUN
cana-1299	60	44	adoption	adoption	NOUN
cana-1299	60	45	viz	viz	PROPN
cana-1299	60	46	.	.	PUNCT
cana-1299	61	1	connectivity	connectivity	NOUN
cana-1299	61	2	problems	problem	NOUN
cana-1299	61	3	,	,	PUNCT
cana-1299	61	4	lack	lack	NOUN
cana-1299	61	5	of	of	ADP
cana-1299	61	6	or	or	CCONJ
cana-1299	61	7	delayed	delay	VERB
cana-1299	61	8	rollout	rollout	NOUN
cana-1299	61	9	of	of	ADP
cana-1299	61	10	government	government	NOUN
cana-1299	61	11	to	to	ADP
cana-1299	61	12	citizen	citizen	NOUN
cana-1299	61	13	(	(	PUNCT
cana-1299	61	14	g2c	g2c	NOUN
cana-1299	61	15	)	)	PUNCT
cana-1299	61	16	services	service	NOUN
cana-1299	61	17	,	,	PUNCT
cana-1299	61	18	low	low	ADJ
cana-1299	61	19	computer	computer	NOUN
cana-1299	61	20	literacy	literacy	NOUN
cana-1299	61	21	,	,	PUNCT
cana-1299	61	22	lack	lack	NOUN
cana-1299	61	23	of	of	ADP
cana-1299	61	24	digital	digital	ADJ
cana-1299	61	25	financial	financial	ADJ
cana-1299	61	26	https://www.emerald.com/insight/search?q=yogesh%20k.%20dwivedi	https://www.emerald.com/insight/search?q=yogesh%20k.%20dwivedi	PROPN
cana-1299	61	27	communications	communication	NOUN
cana-1299	61	28	on	on	ADP
cana-1299	61	29	applied	apply	VERB
cana-1299	61	30	nonlinear	nonlinear	ADJ
cana-1299	61	31	analysis	analysis	NOUN
cana-1299	61	32	issn	issn	NOUN
cana-1299	61	33	:	:	PUNCT
cana-1299	61	34	1074	1074	NUM
cana-1299	61	35	-	-	PUNCT
cana-1299	61	36	133x	133x	NUM
cana-1299	61	37	vol	vol	NOUN
cana-1299	61	38	31	31	NUM
cana-1299	61	39	no	no	NOUN
cana-1299	61	40	.	.	PUNCT
cana-1299	62	1	7s	7	NOUN
cana-1299	62	2	(	(	PUNCT
cana-1299	62	3	2024	2024	NUM
cana-1299	62	4	)	)	PUNCT
cana-1299	62	5	242	242	NUM
cana-1299	62	6	https://internationalpubls.com	https://internationalpubls.com	X
cana-1299	62	7	literacy	literacy	NOUN
cana-1299	62	8	,	,	PUNCT
cana-1299	62	9	absence	absence	NOUN
cana-1299	62	10	of	of	ADP
cana-1299	62	11	availability	availability	NOUN
cana-1299	62	12	of	of	ADP
cana-1299	62	13	facilities	facility	NOUN
cana-1299	62	14	,	,	PUNCT
cana-1299	62	15	convenience	convenience	NOUN
cana-1299	62	16	,	,	PUNCT
cana-1299	62	17	poor	poor	ADJ
cana-1299	62	18	infrastructure	infrastructure	NOUN
cana-1299	62	19	and	and	CCONJ
cana-1299	62	20	lack	lack	NOUN
cana-1299	62	21	of	of	ADP
cana-1299	62	22	governmental	governmental	ADJ
cana-1299	62	23	and	and	CCONJ
cana-1299	62	24	regulatory	regulatory	ADJ
cana-1299	62	25	support	support	NOUN
cana-1299	62	26	.	.	PUNCT
cana-1299	63	1	dasgupta	dasgupta	PROPN
cana-1299	63	2	et.al	et.al	PROPN
cana-1299	63	3	.	.	PUNCT
cana-1299	64	1	(	(	PUNCT
cana-1299	64	2	2011	2011	NUM
cana-1299	64	3	)	)	PUNCT
cana-1299	64	4	carried	carry	VERB
cana-1299	64	5	out	out	ADP
cana-1299	64	6	a	a	DET
cana-1299	64	7	study	study	NOUN
cana-1299	64	8	on	on	ADP
cana-1299	64	9	“	"	PUNCT
cana-1299	64	10	factors	factor	NOUN
cana-1299	64	11	affecting	affect	VERB
cana-1299	64	12	behavioural	behavioural	ADJ
cana-1299	64	13	intentions	intention	NOUN
cana-1299	64	14	towards	towards	ADP
cana-1299	64	15	mobile	mobile	ADJ
cana-1299	64	16	banking	banking	NOUN
cana-1299	64	17	usage	usage	NOUN
cana-1299	64	18	:	:	PUNCT
cana-1299	64	19	empirical	empirical	ADJ
cana-1299	64	20	evidence	evidence	NOUN
cana-1299	64	21	from	from	ADP
cana-1299	64	22	india	india	PROPN
cana-1299	64	23	”	"	PUNCT
cana-1299	64	24	.	.	PUNCT
cana-1299	65	1	the	the	DET
cana-1299	65	2	study	study	NOUN
cana-1299	65	3	reveals	reveal	VERB
cana-1299	65	4	that	that	SCONJ
cana-1299	65	5	that	that	SCONJ
cana-1299	65	6	consumer	consumer	NOUN
cana-1299	65	7	behaviour	behaviour	NOUN
cana-1299	65	8	plays	play	VERB
cana-1299	65	9	a	a	DET
cana-1299	65	10	significant	significant	ADJ
cana-1299	65	11	role	role	NOUN
cana-1299	65	12	in	in	ADP
cana-1299	65	13	determining	determine	VERB
cana-1299	65	14	the	the	DET
cana-1299	65	15	mobile	mobile	ADJ
cana-1299	65	16	banking	banking	NOUN
cana-1299	65	17	usage	usage	NOUN
cana-1299	65	18	and	and	CCONJ
cana-1299	65	19	also	also	ADV
cana-1299	65	20	usage	usage	NOUN
cana-1299	65	21	of	of	ADP
cana-1299	65	22	other	other	ADJ
cana-1299	65	23	digital	digital	ADJ
cana-1299	65	24	financial	financial	ADJ
cana-1299	65	25	products	product	NOUN
cana-1299	65	26	.	.	PUNCT
cana-1299	66	1	perceptions	perception	NOUN
cana-1299	66	2	with	with	ADP
cana-1299	66	3	regard	regard	NOUN
cana-1299	66	4	to	to	ADP
cana-1299	66	5	usability	usability	NOUN
cana-1299	66	6	,	,	PUNCT
cana-1299	66	7	reputation	reputation	NOUN
cana-1299	66	8	,	,	PUNCT
cana-1299	66	9	value	value	NOUN
cana-1299	66	10	it	it	PRON
cana-1299	66	11	would	would	AUX
cana-1299	66	12	bring	bring	VERB
cana-1299	66	13	about	about	ADP
cana-1299	66	14	,	,	PUNCT
cana-1299	66	15	self	self	NOUN
cana-1299	66	16	-	-	PUNCT
cana-1299	66	17	efficacy	efficacy	NOUN
cana-1299	66	18	,	,	PUNCT
cana-1299	66	19	convenience	convenience	NOUN
cana-1299	66	20	and	and	CCONJ
cana-1299	66	21	credibility	credibility	NOUN
cana-1299	66	22	are	be	AUX
cana-1299	66	23	critical	critical	ADJ
cana-1299	66	24	factors	factor	NOUN
cana-1299	66	25	which	which	PRON
cana-1299	66	26	impact	impact	VERB
cana-1299	66	27	the	the	DET
cana-1299	66	28	use	use	NOUN
cana-1299	66	29	of	of	ADP
cana-1299	66	30	technology	technology	NOUN
cana-1299	66	31	.	.	PUNCT
cana-1299	67	1	3	3	X
cana-1299	67	2	.	.	X
cana-1299	67	3	elements	element	NOUN
cana-1299	67	4	of	of	ADP
cana-1299	67	5	digital	digital	ADJ
cana-1299	67	6	financial	financial	ADJ
cana-1299	67	7	inclusion	inclusion	NOUN
cana-1299	67	8	:	:	PUNCT
cana-1299	67	9	according	accord	VERB
cana-1299	67	10	to	to	ADP
cana-1299	67	11	the	the	DET
cana-1299	67	12	committee	committee	NOUN
cana-1299	67	13	on	on	ADP
cana-1299	67	14	medium	medium	ADJ
cana-1299	67	15	-	-	PUNCT
cana-1299	67	16	term	term	NOUN
cana-1299	67	17	path	path	NOUN
cana-1299	67	18	to	to	ADP
cana-1299	67	19	financial	financial	ADJ
cana-1299	67	20	inclusion	inclusion	NOUN
cana-1299	67	21	(	(	PUNCT
cana-1299	67	22	chairman	chairman	NOUN
cana-1299	67	23	:	:	PUNCT
cana-1299	67	24	shri	shri	PROPN
cana-1299	67	25	deepak	deepak	PROPN
cana-1299	67	26	mohanty	mohanty	PROPN
cana-1299	67	27	,	,	PUNCT
cana-1299	67	28	rbi	rbi	NOUN
cana-1299	67	29	,	,	PUNCT
cana-1299	67	30	2015	2015	NUM
cana-1299	67	31	)	)	PUNCT
cana-1299	67	32	the	the	DET
cana-1299	67	33	financial	financial	ADJ
cana-1299	67	34	inclusion	inclusion	NOUN
cana-1299	67	35	can	can	AUX
cana-1299	67	36	be	be	AUX
cana-1299	67	37	envisioned	envision	VERB
cana-1299	67	38	as	as	ADP
cana-1299	67	39	,	,	PUNCT
cana-1299	67	40	“	"	PUNCT
cana-1299	67	41	convenient	convenient	ADJ
cana-1299	67	42	access	access	NOUN
cana-1299	67	43	to	to	ADP
cana-1299	67	44	a	a	DET
cana-1299	67	45	basket	basket	NOUN
cana-1299	67	46	of	of	ADP
cana-1299	67	47	basic	basic	ADJ
cana-1299	67	48	formal	formal	ADJ
cana-1299	67	49	financial	financial	ADJ
cana-1299	67	50	products	product	NOUN
cana-1299	67	51	and	and	CCONJ
cana-1299	67	52	services	service	NOUN
cana-1299	67	53	that	that	PRON
cana-1299	67	54	should	should	AUX
cana-1299	67	55	include	include	VERB
cana-1299	67	56	savings	saving	NOUN
cana-1299	67	57	,	,	PUNCT
cana-1299	67	58	remittance	remittance	NOUN
cana-1299	67	59	,	,	PUNCT
cana-1299	67	60	credit	credit	NOUN
cana-1299	67	61	,	,	PUNCT
cana-1299	67	62	government	government	NOUN
cana-1299	67	63	-	-	PUNCT
cana-1299	67	64	supported	support	VERB
cana-1299	67	65	insurance	insurance	NOUN
cana-1299	67	66	and	and	CCONJ
cana-1299	67	67	pension	pension	NOUN
cana-1299	67	68	products	product	NOUN
cana-1299	67	69	to	to	ADP
cana-1299	67	70	small	small	ADJ
cana-1299	67	71	and	and	CCONJ
cana-1299	67	72	marginal	marginal	ADJ
cana-1299	67	73	farmers	farmer	NOUN
cana-1299	67	74	and	and	CCONJ
cana-1299	67	75	low	low	ADJ
cana-1299	67	76	income	income	NOUN
cana-1299	67	77	households	household	NOUN
cana-1299	67	78	at	at	ADP
cana-1299	67	79	reasonable	reasonable	ADJ
cana-1299	67	80	cost	cost	NOUN
cana-1299	67	81	with	with	ADP
cana-1299	67	82	adequate	adequate	ADJ
cana-1299	67	83	protection	protection	NOUN
cana-1299	67	84	progressively	progressively	ADV
cana-1299	67	85	supplemented	supplement	VERB
cana-1299	67	86	by	by	ADP
cana-1299	67	87	social	social	ADJ
cana-1299	67	88	cash	cash	NOUN
cana-1299	67	89	transfers	transfer	NOUN
cana-1299	67	90	,	,	PUNCT
cana-1299	67	91	besides	besides	SCONJ
cana-1299	67	92	increasing	increase	VERB
cana-1299	67	93	the	the	DET
cana-1299	67	94	access	access	NOUN
cana-1299	67	95	of	of	ADP
cana-1299	67	96	small	small	ADJ
cana-1299	67	97	and	and	CCONJ
cana-1299	67	98	marginal	marginal	ADJ
cana-1299	67	99	enterprises	enterprise	NOUN
cana-1299	67	100	to	to	ADP
cana-1299	67	101	formal	formal	ADJ
cana-1299	67	102	finance	finance	NOUN
cana-1299	67	103	with	with	ADP
cana-1299	67	104	a	a	DET
cana-1299	67	105	greater	great	ADJ
cana-1299	67	106	reliance	reliance	NOUN
cana-1299	67	107	on	on	ADP
cana-1299	67	108	technology	technology	NOUN
cana-1299	67	109	to	to	PART
cana-1299	67	110	cut	cut	VERB
cana-1299	67	111	costs	cost	NOUN
cana-1299	67	112	and	and	CCONJ
cana-1299	67	113	improve	improve	VERB
cana-1299	67	114	service	service	NOUN
cana-1299	67	115	delivery	delivery	NOUN
cana-1299	67	116	,	,	PUNCT
cana-1299	67	117	…	…	PUNCT
cana-1299	67	118	.	.	PUNCT
cana-1299	67	119	”	"	PUNCT
cana-1299	67	120	.	.	PUNCT
cana-1299	68	1	to	to	PART
cana-1299	68	2	take	take	VERB
cana-1299	68	3	this	this	PRON
cana-1299	68	4	forward	forward	ADV
cana-1299	68	5	,	,	PUNCT
cana-1299	68	6	when	when	SCONJ
cana-1299	68	7	we	we	PRON
cana-1299	68	8	use	use	VERB
cana-1299	68	9	digital	digital	ADJ
cana-1299	68	10	means	mean	NOUN
cana-1299	68	11	for	for	ADP
cana-1299	68	12	these	these	DET
cana-1299	68	13	financial	financial	ADJ
cana-1299	68	14	products	product	NOUN
cana-1299	68	15	and	and	CCONJ
cana-1299	68	16	services	service	NOUN
cana-1299	68	17	,	,	PUNCT
cana-1299	68	18	we	we	PRON
cana-1299	68	19	call	call	VERB
cana-1299	68	20	it	it	PRON
cana-1299	68	21	digital	digital	ADJ
cana-1299	68	22	financial	financial	ADJ
cana-1299	68	23	inclusion	inclusion	NOUN
cana-1299	68	24	.	.	PUNCT
cana-1299	69	1	the	the	DET
cana-1299	69	2	three	three	NUM
cana-1299	69	3	key	key	ADJ
cana-1299	69	4	elements	element	NOUN
cana-1299	69	5	of	of	ADP
cana-1299	69	6	digital	digital	ADJ
cana-1299	69	7	financial	financial	ADJ
cana-1299	69	8	inclusion	inclusion	NOUN
cana-1299	69	9	are	be	AUX
cana-1299	69	10	access	access	NOUN
cana-1299	69	11	,	,	PUNCT
cana-1299	69	12	usage	usage	NOUN
cana-1299	69	13	and	and	CCONJ
cana-1299	69	14	quality	quality	NOUN
cana-1299	69	15	.	.	PUNCT
cana-1299	70	1	access	access	NOUN
cana-1299	70	2	signify	signify	VERB
cana-1299	70	3	access	access	NOUN
cana-1299	70	4	to	to	ADP
cana-1299	70	5	physical	physical	ADJ
cana-1299	70	6	and	and	CCONJ
cana-1299	70	7	digital	digital	ADJ
cana-1299	70	8	infrastructure	infrastructure	NOUN
cana-1299	70	9	;	;	PUNCT
cana-1299	70	10	usage	usage	NOUN
cana-1299	70	11	denotes	denote	NOUN
cana-1299	70	12	level	level	NOUN
cana-1299	70	13	of	of	ADP
cana-1299	70	14	adoption	adoption	NOUN
cana-1299	70	15	and	and	CCONJ
cana-1299	70	16	quality	quality	NOUN
cana-1299	70	17	indicates	indicate	VERB
cana-1299	70	18	the	the	DET
cana-1299	70	19	purpose(s	purpose(s	NOUN
cana-1299	70	20	)	)	PUNCT
cana-1299	70	21	for	for	ADP
cana-1299	70	22	which	which	PRON
cana-1299	70	23	it	it	PRON
cana-1299	70	24	is	be	AUX
cana-1299	70	25	being	be	AUX
cana-1299	70	26	used	use	VERB
cana-1299	70	27	.	.	PUNCT
cana-1299	71	1	the	the	DET
cana-1299	71	2	factors	factor	NOUN
cana-1299	71	3	that	that	PRON
cana-1299	71	4	influence	influence	VERB
cana-1299	71	5	these	these	DET
cana-1299	71	6	elements	element	NOUN
cana-1299	71	7	are	be	AUX
cana-1299	71	8	availability	availability	NOUN
cana-1299	71	9	,	,	PUNCT
cana-1299	71	10	affordability	affordability	NOUN
cana-1299	71	11	,	,	PUNCT
cana-1299	71	12	education	education	NOUN
cana-1299	71	13	,	,	PUNCT
cana-1299	71	14	utilisation	utilisation	NOUN
cana-1299	71	15	and	and	CCONJ
cana-1299	71	16	awareness	awareness	NOUN
cana-1299	71	17	etc	etc	X
cana-1299	71	18	.	.	X
cana-1299	72	1	according	accord	VERB
cana-1299	72	2	to	to	ADP
cana-1299	72	3	ozili	ozili	NOUN
cana-1299	72	4	,	,	PUNCT
cana-1299	72	5	p.(2022	p.(2022	PROPN
cana-1299	72	6	)	)	PUNCT
cana-1299	72	7	,	,	PUNCT
cana-1299	72	8	the	the	DET
cana-1299	72	9	components	component	NOUN
cana-1299	72	10	of	of	ADP
cana-1299	72	11	digital	digital	ADJ
cana-1299	72	12	financial	financial	ADJ
cana-1299	72	13	inclusion	inclusion	NOUN
cana-1299	72	14	are	be	AUX
cana-1299	72	15	:	:	PUNCT
cana-1299	72	16	(	(	PUNCT
cana-1299	72	17	a	a	X
cana-1299	72	18	)	)	PUNCT
cana-1299	72	19	digital	digital	ADJ
cana-1299	72	20	devices	device	NOUN
cana-1299	72	21	:	:	PUNCT
cana-1299	72	22	an	an	DET
cana-1299	72	23	instrument	instrument	NOUN
cana-1299	72	24	e.g.	e.g.	ADV
cana-1299	72	25	mobile	mobile	ADJ
cana-1299	72	26	phone	phone	NOUN
cana-1299	72	27	,	,	PUNCT
cana-1299	72	28	computer	computer	NOUN
cana-1299	72	29	,	,	PUNCT
cana-1299	72	30	laptop	laptop	NOUN
cana-1299	72	31	etc	etc	X
cana-1299	72	32	.	.	X
cana-1299	72	33	that	that	PRON
cana-1299	72	34	enables	enable	VERB
cana-1299	72	35	transmission	transmission	NOUN
cana-1299	72	36	of	of	ADP
cana-1299	72	37	financial	financial	ADJ
cana-1299	72	38	data	datum	NOUN
cana-1299	72	39	electronically	electronically	ADV
cana-1299	72	40	(	(	PUNCT
cana-1299	72	41	b	b	X
cana-1299	72	42	)	)	PUNCT
cana-1299	72	43	retail	retail	ADJ
cana-1299	72	44	agents	agent	NOUN
cana-1299	72	45	:	:	PUNCT
cana-1299	72	46	they	they	PRON
cana-1299	72	47	are	be	AUX
cana-1299	72	48	agents	agent	NOUN
cana-1299	72	49	or	or	CCONJ
cana-1299	72	50	vendors	vendor	NOUN
cana-1299	72	51	which	which	PRON
cana-1299	72	52	are	be	AUX
cana-1299	72	53	connected	connect	VERB
cana-1299	72	54	to	to	ADP
cana-1299	72	55	communication	communication	NOUN
cana-1299	72	56	networks	network	NOUN
cana-1299	72	57	to	to	PART
cana-1299	72	58	receive	receive	VERB
cana-1299	72	59	and	and	CCONJ
cana-1299	72	60	transmit	transmit	VERB
cana-1299	72	61	the	the	DET
cana-1299	72	62	electronic	electronic	ADJ
cana-1299	72	63	data	datum	NOUN
cana-1299	72	64	and	and	CCONJ
cana-1299	72	65	convert	convert	VERB
cana-1299	72	66	the	the	DET
cana-1299	72	67	cash	cash	NOUN
cana-1299	72	68	to	to	PART
cana-1299	72	69	electronically	electronically	ADV
cana-1299	72	70	stored	store	VERB
cana-1299	72	71	value	value	NOUN
cana-1299	72	72	and	and	CCONJ
cana-1299	72	73	vice	vice	NOUN
cana-1299	72	74	versa	versa	ADV
cana-1299	72	75	.	.	PUNCT
cana-1299	73	1	(	(	PUNCT
cana-1299	73	2	c	c	X
cana-1299	73	3	)	)	PUNCT
cana-1299	73	4	additional	additional	ADJ
cana-1299	73	5	financial	financial	ADJ
cana-1299	73	6	services	service	NOUN
cana-1299	73	7	:	:	PUNCT
cana-1299	73	8	they	they	PRON
cana-1299	73	9	are	be	AUX
cana-1299	73	10	added	add	VERB
cana-1299	73	11	financial	financial	ADJ
cana-1299	73	12	products	product	NOUN
cana-1299	73	13	and	and	CCONJ
cana-1299	73	14	services	service	NOUN
cana-1299	73	15	being	be	AUX
cana-1299	73	16	used	use	VERB
cana-1299	73	17	by	by	ADP
cana-1299	73	18	customers	customer	NOUN
cana-1299	73	19	like	like	ADP
cana-1299	73	20	savings	saving	NOUN
cana-1299	73	21	,	,	PUNCT
cana-1299	73	22	credit	credit	NOUN
cana-1299	73	23	,	,	PUNCT
cana-1299	73	24	insurance	insurance	NOUN
cana-1299	73	25	,	,	PUNCT
cana-1299	73	26	investments	investment	NOUN
cana-1299	73	27	,	,	PUNCT
cana-1299	73	28	mortgage	mortgage	NOUN
cana-1299	73	29	and	and	CCONJ
cana-1299	73	30	risk	risk	NOUN
cana-1299	73	31	management	management	NOUN
cana-1299	73	32	products	product	NOUN
cana-1299	73	33	.	.	PUNCT
cana-1299	74	1	(	(	PUNCT
cana-1299	74	2	d	d	X
cana-1299	74	3	)	)	PUNCT
cana-1299	74	4	a	a	DET
cana-1299	74	5	digital	digital	ADJ
cana-1299	74	6	transactional	transactional	ADJ
cana-1299	74	7	platform	platform	NOUN
cana-1299	74	8	:	:	PUNCT
cana-1299	74	9	an	an	DET
cana-1299	74	10	interface	interface	NOUN
cana-1299	74	11	that	that	PRON
cana-1299	74	12	enables	enable	VERB
cana-1299	74	13	customers	customer	NOUN
cana-1299	74	14	to	to	PART
cana-1299	74	15	exchange	exchange	VERB
cana-1299	74	16	financial	financial	ADJ
cana-1299	74	17	data	datum	NOUN
cana-1299	74	18	electronically	electronically	ADV
cana-1299	74	19	(	(	PUNCT
cana-1299	74	20	e	e	NOUN
cana-1299	74	21	)	)	PUNCT
cana-1299	74	22	customers	customer	NOUN
cana-1299	74	23	:	:	PUNCT
cana-1299	74	24	the	the	DET
cana-1299	74	25	customers	customer	NOUN
cana-1299	74	26	may	may	AUX
cana-1299	74	27	be	be	AUX
cana-1299	74	28	individuals	individual	NOUN
cana-1299	74	29	as	as	ADV
cana-1299	74	30	well	well	ADV
cana-1299	74	31	as	as	ADP
cana-1299	74	32	business	business	NOUN
cana-1299	74	33	entities	entity	NOUN
cana-1299	74	34	and	and	CCONJ
cana-1299	74	35	also	also	ADV
cana-1299	74	36	governments	government	NOUN
cana-1299	74	37	.	.	PUNCT
cana-1299	75	1	adoption	adoption	NOUN
cana-1299	75	2	of	of	ADP
cana-1299	75	3	digital	digital	ADJ
cana-1299	75	4	financial	financial	ADJ
cana-1299	75	5	services	service	NOUN
cana-1299	75	6	are	be	AUX
cana-1299	75	7	dependent	dependent	ADJ
cana-1299	75	8	upon	upon	SCONJ
cana-1299	75	9	multiple	multiple	ADJ
cana-1299	75	10	factors	factor	NOUN
cana-1299	75	11	.	.	PUNCT
cana-1299	76	1	as	as	SCONJ
cana-1299	76	2	this	this	DET
cana-1299	76	3	study	study	NOUN
cana-1299	76	4	focuses	focus	VERB
cana-1299	76	5	on	on	ADP
cana-1299	76	6	rural	rural	ADJ
cana-1299	76	7	population	population	NOUN
cana-1299	76	8	,	,	PUNCT
cana-1299	76	9	the	the	DET
cana-1299	76	10	social	social	ADJ
cana-1299	76	11	,	,	PUNCT
cana-1299	76	12	economic	economic	ADJ
cana-1299	76	13	and	and	CCONJ
cana-1299	76	14	demographic	demographic	ADJ
cana-1299	76	15	factors	factor	NOUN
cana-1299	76	16	play	play	VERB
cana-1299	76	17	a	a	DET
cana-1299	76	18	major	major	ADJ
cana-1299	76	19	role	role	NOUN
cana-1299	76	20	determining	determine	VERB
cana-1299	76	21	the	the	DET
cana-1299	76	22	aptitude	aptitude	NOUN
cana-1299	76	23	for	for	ADP
cana-1299	76	24	adoption	adoption	NOUN
cana-1299	76	25	.	.	PUNCT
cana-1299	77	1	this	this	DET
cana-1299	77	2	study	study	NOUN
cana-1299	77	3	,	,	PUNCT
cana-1299	77	4	therefore	therefore	ADV
cana-1299	77	5	,	,	PUNCT
cana-1299	77	6	focuses	focus	VERB
cana-1299	77	7	on	on	ADP
cana-1299	77	8	product	product	NOUN
cana-1299	77	9	awareness	awareness	NOUN
cana-1299	77	10	,	,	PUNCT
cana-1299	77	11	usage	usage	NOUN
cana-1299	77	12	convenience	convenience	NOUN
cana-1299	77	13	and	and	CCONJ
cana-1299	77	14	service	service	NOUN
cana-1299	77	15	availability	availability	NOUN
cana-1299	77	16	driving	driving	NOUN
cana-1299	77	17	level	level	NOUN
cana-1299	77	18	of	of	ADP
cana-1299	77	19	usage	usage	NOUN
cana-1299	77	20	.	.	PUNCT
cana-1299	78	1	4	4	X
cana-1299	78	2	.	.	X
cana-1299	78	3	objectives	objective	NOUN
cana-1299	78	4	of	of	ADP
cana-1299	78	5	the	the	DET
cana-1299	78	6	study	study	NOUN
cana-1299	78	7	:	:	PUNCT
cana-1299	78	8	the	the	DET
cana-1299	78	9	main	main	ADJ
cana-1299	78	10	objectives	objective	NOUN
cana-1299	78	11	of	of	ADP
cana-1299	78	12	the	the	DET
cana-1299	78	13	study	study	NOUN
cana-1299	78	14	are	be	AUX
cana-1299	78	15	to	to	PART
cana-1299	78	16	find	find	VERB
cana-1299	78	17	the	the	DET
cana-1299	78	18	following	follow	VERB
cana-1299	78	19	:	:	PUNCT
cana-1299	78	20	communications	communication	NOUN
cana-1299	78	21	on	on	ADP
cana-1299	78	22	applied	apply	VERB
cana-1299	78	23	nonlinear	nonlinear	ADJ
cana-1299	78	24	analysis	analysis	NOUN
cana-1299	78	25	issn	issn	NOUN
cana-1299	78	26	:	:	PUNCT
cana-1299	78	27	1074	1074	NUM
cana-1299	78	28	-	-	PUNCT
cana-1299	78	29	133x	133x	NUM
cana-1299	78	30	vol	vol	NOUN
cana-1299	78	31	31	31	NUM
cana-1299	78	32	no	no	NOUN
cana-1299	78	33	.	.	PUNCT
cana-1299	79	1	7s	7	NOUN
cana-1299	79	2	(	(	PUNCT
cana-1299	79	3	2024	2024	NUM
cana-1299	79	4	)	)	PUNCT
cana-1299	79	5	243	243	NUM
cana-1299	79	6	https://internationalpubls.com	https://internationalpubls.com	X
cana-1299	79	7	(	(	PUNCT
cana-1299	79	8	i	i	NOUN
cana-1299	79	9	)	)	PUNCT
cana-1299	79	10	to	to	PART
cana-1299	79	11	determine	determine	VERB
cana-1299	79	12	important	important	ADJ
cana-1299	79	13	social	social	ADJ
cana-1299	79	14	and	and	CCONJ
cana-1299	79	15	demographic	demographic	ADJ
cana-1299	79	16	factors	factor	NOUN
cana-1299	79	17	significantly	significantly	ADV
cana-1299	79	18	influencing	influence	VERB
cana-1299	79	19	adoption	adoption	NOUN
cana-1299	79	20	of	of	ADP
cana-1299	79	21	digital	digital	ADJ
cana-1299	79	22	financial	financial	ADJ
cana-1299	79	23	services	service	NOUN
cana-1299	79	24	(	(	PUNCT
cana-1299	79	25	ii	ii	NOUN
cana-1299	79	26	)	)	PUNCT
cana-1299	79	27	to	to	PART
cana-1299	79	28	understand	understand	VERB
cana-1299	79	29	the	the	DET
cana-1299	79	30	strength	strength	NOUN
cana-1299	79	31	and	and	CCONJ
cana-1299	79	32	direction	direction	NOUN
cana-1299	79	33	of	of	ADP
cana-1299	79	34	relationship	relationship	NOUN
cana-1299	79	35	between	between	ADP
cana-1299	79	36	select	select	ADJ
cana-1299	79	37	socio	socio	NOUN
cana-1299	79	38	-	-	ADJ
cana-1299	79	39	demographic	demographic	ADJ
cana-1299	79	40	factors	factor	NOUN
cana-1299	79	41	and	and	CCONJ
cana-1299	79	42	various	various	ADJ
cana-1299	79	43	aspects	aspect	NOUN
cana-1299	79	44	of	of	ADP
cana-1299	79	45	digital	digital	ADJ
cana-1299	79	46	financial	financial	ADJ
cana-1299	79	47	inclusion	inclusion	NOUN
cana-1299	79	48	(	(	PUNCT
cana-1299	79	49	iii	iii	NOUN
cana-1299	79	50	)	)	PUNCT
cana-1299	79	51	to	to	PART
cana-1299	79	52	identify	identify	VERB
cana-1299	79	53	the	the	DET
cana-1299	79	54	socio	socio	NOUN
cana-1299	79	55	-	-	ADJ
cana-1299	79	56	demographic	demographic	ADJ
cana-1299	79	57	factors	factor	NOUN
cana-1299	79	58	which	which	PRON
cana-1299	79	59	significantly	significantly	ADV
cana-1299	79	60	predict	predict	VERB
cana-1299	79	61	levels	level	NOUN
cana-1299	79	62	of	of	ADP
cana-1299	79	63	awareness	awareness	NOUN
cana-1299	79	64	,	,	PUNCT
cana-1299	79	65	comfort	comfort	NOUN
cana-1299	79	66	,	,	PUNCT
cana-1299	79	67	availability	availability	NOUN
cana-1299	79	68	,	,	PUNCT
cana-1299	79	69	present	present	ADJ
cana-1299	79	70	use	use	NOUN
cana-1299	79	71	and	and	CCONJ
cana-1299	79	72	frequency	frequency	NOUN
cana-1299	79	73	of	of	ADP
cana-1299	79	74	use	use	NOUN
cana-1299	79	75	of	of	ADP
cana-1299	79	76	digital	digital	ADJ
cana-1299	79	77	financial	financial	ADJ
cana-1299	79	78	services	service	NOUN
cana-1299	79	79	and	and	CCONJ
cana-1299	79	80	to	to	PART
cana-1299	79	81	ascertain	ascertain	VERB
cana-1299	79	82	relative	relative	ADJ
cana-1299	79	83	importance	importance	NOUN
cana-1299	79	84	of	of	ADP
cana-1299	79	85	each	each	PRON
cana-1299	79	86	of	of	ADP
cana-1299	79	87	the	the	DET
cana-1299	79	88	factors	factor	NOUN
cana-1299	79	89	.	.	PUNCT
cana-1299	80	1	(	(	PUNCT
cana-1299	80	2	iv	iv	X
cana-1299	80	3	)	)	PUNCT
cana-1299	80	4	to	to	PART
cana-1299	80	5	quantify	quantify	VERB
cana-1299	80	6	strength	strength	NOUN
cana-1299	80	7	and	and	CCONJ
cana-1299	80	8	direction	direction	NOUN
cana-1299	80	9	of	of	ADP
cana-1299	80	10	relationships	relationship	NOUN
cana-1299	80	11	between	between	ADP
cana-1299	80	12	select	select	ADJ
cana-1299	80	13	socio	socio	NOUN
cana-1299	80	14	-	-	ADJ
cana-1299	80	15	demographic	demographic	ADJ
cana-1299	80	16	factors	factor	NOUN
cana-1299	80	17	and	and	CCONJ
cana-1299	80	18	certain	certain	ADJ
cana-1299	80	19	aspects	aspect	NOUN
cana-1299	80	20	of	of	ADP
cana-1299	80	21	digital	digital	ADJ
cana-1299	80	22	financial	financial	ADJ
cana-1299	80	23	inclusion	inclusion	NOUN
cana-1299	80	24	.	.	PUNCT
cana-1299	81	1	5	5	X
cana-1299	81	2	.	.	X
cana-1299	81	3	research	research	NOUN
cana-1299	81	4	methodology	methodology	NOUN
cana-1299	81	5	:	:	PUNCT
cana-1299	81	6	this	this	DET
cana-1299	81	7	study	study	NOUN
cana-1299	81	8	has	have	AUX
cana-1299	81	9	been	be	AUX
cana-1299	81	10	carried	carry	VERB
cana-1299	81	11	out	out	ADP
cana-1299	81	12	based	base	VERB
cana-1299	81	13	on	on	ADP
cana-1299	81	14	the	the	DET
cana-1299	81	15	primary	primary	ADJ
cana-1299	81	16	data	datum	NOUN
cana-1299	81	17	collected	collect	VERB
cana-1299	81	18	through	through	ADP
cana-1299	81	19	a	a	DET
cana-1299	81	20	purposive	purposive	ADJ
cana-1299	81	21	random	random	ADJ
cana-1299	81	22	survey	survey	NOUN
cana-1299	81	23	conducted	conduct	VERB
cana-1299	81	24	in	in	ADP
cana-1299	81	25	rural	rural	ADJ
cana-1299	81	26	areas	area	NOUN
cana-1299	81	27	across	across	ADP
cana-1299	81	28	eight	eight	NUM
cana-1299	81	29	districts	district	NOUN
cana-1299	81	30	of	of	ADP
cana-1299	81	31	odisha	odisha	PROPN
cana-1299	81	32	.	.	PUNCT
cana-1299	82	1	the	the	DET
cana-1299	82	2	survey	survey	NOUN
cana-1299	82	3	methodology	methodology	NOUN
cana-1299	82	4	was	be	AUX
cana-1299	82	5	based	base	VERB
cana-1299	82	6	on	on	ADP
cana-1299	82	7	a	a	DET
cana-1299	82	8	questionnaire	questionnaire	NOUN
cana-1299	82	9	containing	contain	VERB
cana-1299	82	10	two	two	NUM
cana-1299	82	11	parts	part	NOUN
cana-1299	82	12	,	,	PUNCT
cana-1299	82	13	the	the	DET
cana-1299	82	14	first	first	ADJ
cana-1299	82	15	being	be	AUX
cana-1299	82	16	the	the	DET
cana-1299	82	17	demographic	demographic	ADJ
cana-1299	82	18	profiles	profile	NOUN
cana-1299	82	19	and	and	CCONJ
cana-1299	82	20	the	the	DET
cana-1299	82	21	second	second	ADJ
cana-1299	82	22	containing	contain	VERB
cana-1299	82	23	the	the	DET
cana-1299	82	24	banking	banking	NOUN
cana-1299	82	25	attitude	attitude	NOUN
cana-1299	82	26	of	of	ADP
cana-1299	82	27	the	the	DET
cana-1299	82	28	rural	rural	ADJ
cana-1299	82	29	customers	customer	NOUN
cana-1299	82	30	.	.	PUNCT
cana-1299	83	1	a	a	DET
cana-1299	83	2	sample	sample	NOUN
cana-1299	83	3	size	size	NOUN
cana-1299	83	4	of	of	ADP
cana-1299	83	5	350	350	NUM
cana-1299	83	6	has	have	AUX
cana-1299	83	7	been	be	AUX
cana-1299	83	8	considered	consider	VERB
cana-1299	83	9	for	for	ADP
cana-1299	83	10	this	this	DET
cana-1299	83	11	study	study	NOUN
cana-1299	83	12	.	.	PUNCT
cana-1299	84	1	in	in	ADP
cana-1299	84	2	this	this	DET
cana-1299	84	3	study	study	NOUN
cana-1299	84	4	,	,	PUNCT
cana-1299	84	5	six	six	NUM
cana-1299	84	6	demographic	demographic	ADJ
cana-1299	84	7	variables	variable	NOUN
cana-1299	84	8	have	have	AUX
cana-1299	84	9	been	be	AUX
cana-1299	84	10	considered	consider	VERB
cana-1299	84	11	viz	viz	PROPN
cana-1299	84	12	.	.	PUNCT
cana-1299	85	1	age	age	NOUN
cana-1299	85	2	,	,	PUNCT
cana-1299	85	3	gender	gender	NOUN
cana-1299	85	4	,	,	PUNCT
cana-1299	85	5	education	education	NOUN
cana-1299	85	6	,	,	PUNCT
cana-1299	85	7	occupation	occupation	NOUN
cana-1299	85	8	,	,	PUNCT
cana-1299	85	9	social	social	ADJ
cana-1299	85	10	stratification	stratification	NOUN
cana-1299	85	11	and	and	CCONJ
cana-1299	85	12	annual	annual	ADJ
cana-1299	85	13	family	family	NOUN
cana-1299	85	14	income	income	NOUN
cana-1299	85	15	.	.	PUNCT
cana-1299	86	1	the	the	DET
cana-1299	86	2	association	association	NOUN
cana-1299	86	3	of	of	ADP
cana-1299	86	4	these	these	DET
cana-1299	86	5	variables	variable	NOUN
cana-1299	86	6	on	on	ADP
cana-1299	86	7	the	the	DET
cana-1299	86	8	various	various	ADJ
cana-1299	86	9	aspects	aspect	NOUN
cana-1299	86	10	of	of	ADP
cana-1299	86	11	digital	digital	ADJ
cana-1299	86	12	financial	financial	ADJ
cana-1299	86	13	service	service	NOUN
cana-1299	86	14	adoption	adoption	NOUN
cana-1299	86	15	in	in	ADP
cana-1299	86	16	rural	rural	ADJ
cana-1299	86	17	areas	area	NOUN
cana-1299	86	18	was	be	AUX
cana-1299	86	19	studied	study	VERB
cana-1299	86	20	.	.	PUNCT
cana-1299	87	1	6	6	X
cana-1299	87	2	.	.	X
cana-1299	87	3	data	datum	NOUN
cana-1299	87	4	analysis	analysis	NOUN
cana-1299	87	5	:	:	PUNCT
cana-1299	87	6	the	the	DET
cana-1299	87	7	primary	primary	ADJ
cana-1299	87	8	data	datum	NOUN
cana-1299	87	9	collected	collect	VERB
cana-1299	87	10	from	from	ADP
cana-1299	87	11	rural	rural	ADJ
cana-1299	87	12	areas	area	NOUN
cana-1299	87	13	of	of	ADP
cana-1299	87	14	eight	eight	NUM
cana-1299	87	15	districts	district	NOUN
cana-1299	87	16	of	of	ADP
cana-1299	87	17	odisha	odisha	PROPN
cana-1299	87	18	has	have	AUX
cana-1299	87	19	been	be	AUX
cana-1299	87	20	subjected	subject	VERB
cana-1299	87	21	for	for	ADP
cana-1299	87	22	statistical	statistical	ADJ
cana-1299	87	23	analysis	analysis	NOUN
cana-1299	87	24	as	as	SCONJ
cana-1299	87	25	indicated	indicate	VERB
cana-1299	87	26	above	above	ADV
cana-1299	87	27	with	with	ADP
cana-1299	87	28	the	the	DET
cana-1299	87	29	results	result	NOUN
cana-1299	87	30	as	as	SCONJ
cana-1299	87	31	follows	follow	VERB
cana-1299	87	32	:	:	PUNCT
cana-1299	87	33	table-1	table-1	NUM
cana-1299	87	34	:	:	PUNCT
cana-1299	87	35	correlation	correlation	NOUN
cana-1299	87	36	of	of	ADP
cana-1299	87	37	socio	socio	NOUN
cana-1299	87	38	-	-	ADJ
cana-1299	87	39	demographic	demographic	ADJ
cana-1299	87	40	factors	factor	NOUN
cana-1299	87	41	with	with	ADP
cana-1299	87	42	aspects	aspect	NOUN
cana-1299	87	43	of	of	ADP
cana-1299	87	44	digital	digital	ADJ
cana-1299	87	45	transaction	transaction	NOUN
cana-1299	87	46	platforms	platform	NOUN
cana-1299	87	47	in	in	ADP
cana-1299	87	48	case	case	NOUN
cana-1299	87	49	of	of	ADP
cana-1299	87	50	rural	rural	ADJ
cana-1299	87	51	customers	customer	NOUN
cana-1299	87	52	.	.	PUNCT
cana-1299	88	1	socio	socio	NOUN
cana-1299	88	2	-	-	ADJ
cana-1299	88	3	demographic	demographic	ADJ
cana-1299	88	4	factors	factor	NOUN
cana-1299	88	5	awareness	awareness	NOUN
cana-1299	88	6	comfort	comfort	NOUN
cana-1299	88	7	availability	availability	NOUN
cana-1299	88	8	present	present	ADJ
cana-1299	88	9	use	use	NOUN
cana-1299	88	10	frequency	frequency	NOUN
cana-1299	88	11	of	of	ADP
cana-1299	88	12	use	use	NOUN
cana-1299	88	13	age	age	NOUN
cana-1299	88	14	0.687	0.687	NUM
cana-1299	88	15	*	*	SYM
cana-1299	88	16	0.764	0.764	NUM
cana-1299	88	17	*	*	SYM
cana-1299	88	18	0.634	0.634	NUM
cana-1299	88	19	*	*	PUNCT
cana-1299	89	1	0.679	0.679	NUM
cana-1299	89	2	*	*	PUNCT
cana-1299	89	3	0.717	0.717	NUM
cana-1299	89	4	*	*	PUNCT
cana-1299	89	5	gender	gender	NOUN
cana-1299	89	6	-0.003	-0.003	NOUN
cana-1299	89	7	0.085	0.085	NUM
cana-1299	89	8	0.098	0.098	NUM
cana-1299	89	9	0.079	0.079	NUM
cana-1299	89	10	0.051	0.051	NUM
cana-1299	89	11	education	education	NOUN
cana-1299	89	12	0.718	0.718	NUM
cana-1299	89	13	*	*	NOUN
cana-1299	89	14	0.712	0.712	NUM
cana-1299	89	15	*	*	PUNCT
cana-1299	89	16	0.806	0.806	NUM
cana-1299	89	17	*	*	PUNCT
cana-1299	89	18	0.765	0.765	NUM
cana-1299	89	19	*	*	SYM
cana-1299	89	20	0.795	0.795	NUM
cana-1299	89	21	*	*	PUNCT
cana-1299	89	22	social	social	ADJ
cana-1299	89	23	stratification	stratification	NOUN
cana-1299	89	24	0.075	0.075	NUM
cana-1299	89	25	0.080	0.080	NUM
cana-1299	89	26	0.019	0.019	NUM
cana-1299	89	27	0.083	0.083	NUM
cana-1299	89	28	0.016	0.016	NUM
cana-1299	89	29	occupation	occupation	NOUN
cana-1299	89	30	0.032	0.032	NUM
cana-1299	89	31	0.023	0.023	NUM
cana-1299	89	32	0.066	0.066	NUM
cana-1299	89	33	0.011	0.011	NUM
cana-1299	89	34	0.036	0.036	NUM
cana-1299	89	35	annual	annual	ADJ
cana-1299	89	36	family	family	NOUN
cana-1299	89	37	income	income	NOUN
cana-1299	89	38	0.704	0.704	NUM
cana-1299	89	39	*	*	PUNCT
cana-1299	89	40	0.683	0.683	NUM
cana-1299	89	41	*	*	PUNCT
cana-1299	90	1	0.733	0.733	NUM
cana-1299	90	2	*	*	NOUN
cana-1299	90	3	0.716	0.716	NUM
cana-1299	90	4	*	*	SYM
cana-1299	90	5	0.742	0.742	NUM
cana-1299	90	6	*	*	PUNCT
cana-1299	90	7	n.b	n.b	PROPN
cana-1299	90	8	:*	:*	PROPN
cana-1299	90	9	–	–	PUNCT
cana-1299	90	10	significant	significant	ADJ
cana-1299	90	11	at	at	ADP
cana-1299	90	12	5	5	NUM
cana-1299	90	13	%	%	NOUN
cana-1299	90	14	level	level	NOUN
cana-1299	90	15	(	(	PUNCT
cana-1299	90	16	p<0.05	p<0.05	NOUN
cana-1299	90	17	)	)	PUNCT
cana-1299	90	18	for	for	ADP
cana-1299	90	19	df=349	df=349	PROPN
cana-1299	90	20	.	.	PUNCT
cana-1299	91	1	source	source	NOUN
cana-1299	91	2	:	:	PUNCT
cana-1299	91	3	survey	survey	NOUN
cana-1299	91	4	by	by	ADP
cana-1299	91	5	the	the	DET
cana-1299	91	6	researcher	researcher	NOUN
cana-1299	91	7	from	from	ADP
cana-1299	91	8	the	the	DET
cana-1299	91	9	above	above	ADJ
cana-1299	91	10	correlation	correlation	NOUN
cana-1299	91	11	table	table	NOUN
cana-1299	91	12	,	,	PUNCT
cana-1299	91	13	the	the	DET
cana-1299	91	14	following	following	NOUN
cana-1299	91	15	was	be	AUX
cana-1299	91	16	interpreted	interpret	VERB
cana-1299	91	17	:	:	PUNCT
cana-1299	91	18	the	the	DET
cana-1299	91	19	above	above	ADJ
cana-1299	91	20	table	table	NOUN
cana-1299	91	21	shows	show	VERB
cana-1299	91	22	the	the	DET
cana-1299	91	23	correlation	correlation	NOUN
cana-1299	91	24	of	of	ADP
cana-1299	91	25	socio	socio	NOUN
cana-1299	91	26	-	-	ADJ
cana-1299	91	27	demographic	demographic	ADJ
cana-1299	91	28	factors	factor	NOUN
cana-1299	91	29	with	with	ADP
cana-1299	91	30	five	five	NUM
cana-1299	91	31	aspects	aspect	NOUN
cana-1299	91	32	of	of	ADP
cana-1299	91	33	digital	digital	ADJ
cana-1299	91	34	financial	financial	ADJ
cana-1299	91	35	services	service	NOUN
cana-1299	91	36	adoption	adoption	NOUN
cana-1299	91	37	.	.	PUNCT
cana-1299	92	1	it	it	PRON
cana-1299	92	2	is	be	AUX
cana-1299	92	3	observed	observe	VERB
cana-1299	92	4	that	that	SCONJ
cana-1299	92	5	age	age	NOUN
cana-1299	92	6	,	,	PUNCT
cana-1299	92	7	education	education	NOUN
cana-1299	92	8	and	and	CCONJ
cana-1299	92	9	annual	annual	ADJ
cana-1299	92	10	family	family	NOUN
cana-1299	92	11	income	income	NOUN
cana-1299	92	12	with	with	ADP
cana-1299	92	13	values	value	NOUN
cana-1299	92	14	of	of	ADP
cana-1299	92	15	0.687	0.687	NUM
cana-1299	92	16	,	,	PUNCT
cana-1299	92	17	0.718	0.718	NUM
cana-1299	92	18	and	and	CCONJ
cana-1299	92	19	0.704	0.704	NUM
cana-1299	92	20	exhibited	exhibit	VERB
cana-1299	92	21	strong	strong	ADJ
cana-1299	92	22	positive	positive	ADJ
cana-1299	92	23	correlation	correlation	NOUN
cana-1299	92	24	with	with	ADP
cana-1299	92	25	digital	digital	ADJ
cana-1299	92	26	financial	financial	ADJ
cana-1299	92	27	awareness	awareness	NOUN
cana-1299	92	28	.	.	PUNCT
cana-1299	93	1	gender	gender	NOUN
cana-1299	93	2	,	,	PUNCT
cana-1299	93	3	with	with	ADP
cana-1299	93	4	a	a	DET
cana-1299	93	5	correlation	correlation	NOUN
cana-1299	93	6	coefficient	coefficient	NOUN
cana-1299	93	7	of	of	ADP
cana-1299	93	8	-0.003	-0.003	PROPN
cana-1299	93	9	,	,	PUNCT
cana-1299	93	10	indicates	indicate	VERB
cana-1299	93	11	a	a	DET
cana-1299	93	12	negligible	negligible	ADJ
cana-1299	93	13	correlation	correlation	NOUN
cana-1299	93	14	with	with	ADP
cana-1299	93	15	awareness	awareness	NOUN
cana-1299	93	16	.	.	PUNCT
cana-1299	94	1	social	social	ADJ
cana-1299	94	2	communications	communication	NOUN
cana-1299	94	3	on	on	ADP
cana-1299	94	4	applied	apply	VERB
cana-1299	94	5	nonlinear	nonlinear	ADJ
cana-1299	94	6	analysis	analysis	NOUN
cana-1299	94	7	issn	issn	NOUN
cana-1299	94	8	:	:	PUNCT
cana-1299	94	9	1074	1074	NUM
cana-1299	94	10	-	-	PUNCT
cana-1299	94	11	133x	133x	NUM
cana-1299	94	12	vol	vol	NOUN
cana-1299	94	13	31	31	NUM
cana-1299	94	14	no	no	NOUN
cana-1299	94	15	.	.	PUNCT
cana-1299	95	1	7s	7	NOUN
cana-1299	95	2	(	(	PUNCT
cana-1299	95	3	2024	2024	NUM
cana-1299	95	4	)	)	PUNCT
cana-1299	95	5	244	244	NUM
cana-1299	95	6	https://internationalpubls.com	https://internationalpubls.com	X
cana-1299	95	7	stratification	stratification	NOUN
cana-1299	95	8	and	and	CCONJ
cana-1299	95	9	occupation	occupation	NOUN
cana-1299	95	10	although	although	SCONJ
cana-1299	95	11	showed	show	VERB
cana-1299	95	12	positive	positive	ADJ
cana-1299	95	13	correlation	correlation	NOUN
cana-1299	95	14	,	,	PUNCT
cana-1299	95	15	the	the	DET
cana-1299	95	16	coefficients	coefficient	NOUN
cana-1299	95	17	values	value	NOUN
cana-1299	95	18	of	of	ADP
cana-1299	95	19	0.075	0.075	NUM
cana-1299	95	20	and	and	CCONJ
cana-1299	95	21	0.032	0.032	NUM
cana-1299	95	22	,	,	PUNCT
cana-1299	95	23	respectively	respectively	ADV
cana-1299	95	24	,	,	PUNCT
cana-1299	95	25	show	show	VERB
cana-1299	95	26	relatively	relatively	ADV
cana-1299	95	27	weaker	weak	ADJ
cana-1299	95	28	relationship	relationship	NOUN
cana-1299	95	29	.	.	PUNCT
cana-1299	96	1	the	the	DET
cana-1299	96	2	above	above	ADJ
cana-1299	96	3	trend	trend	NOUN
cana-1299	96	4	was	be	AUX
cana-1299	96	5	observed	observe	VERB
cana-1299	96	6	for	for	ADP
cana-1299	96	7	the	the	DET
cana-1299	96	8	comfort	comfort	NOUN
cana-1299	96	9	factor	factor	NOUN
cana-1299	96	10	as	as	ADV
cana-1299	96	11	well	well	ADV
cana-1299	96	12	.	.	PUNCT
cana-1299	97	1	age(0.634	age(0.634	NOUN
cana-1299	97	2	)	)	PUNCT
cana-1299	97	3	,	,	PUNCT
cana-1299	97	4	education(0.806	education(0.806	PROPN
cana-1299	97	5	)	)	PUNCT
cana-1299	97	6	and	and	CCONJ
cana-1299	97	7	annual	annual	ADJ
cana-1299	97	8	family	family	NOUN
cana-1299	97	9	income(0.683	income(0.683	NOUN
cana-1299	97	10	)	)	PUNCT
cana-1299	97	11	exhibited	exhibit	VERB
cana-1299	97	12	strong	strong	ADJ
cana-1299	97	13	correlation	correlation	NOUN
cana-1299	97	14	with	with	ADP
cana-1299	97	15	users	user	NOUN
cana-1299	97	16	comfortability	comfortability	NOUN
cana-1299	97	17	.	.	PUNCT
cana-1299	98	1	however	however	ADV
cana-1299	98	2	,	,	PUNCT
cana-1299	98	3	gender	gender	NOUN
cana-1299	98	4	,	,	PUNCT
cana-1299	98	5	social	social	ADJ
cana-1299	98	6	stratification	stratification	NOUN
cana-1299	98	7	and	and	CCONJ
cana-1299	98	8	occupation	occupation	NOUN
cana-1299	98	9	displayed	display	VERB
cana-1299	98	10	a	a	DET
cana-1299	98	11	weaker	weak	ADJ
cana-1299	98	12	correlation	correlation	NOUN
cana-1299	98	13	.	.	PUNCT
cana-1299	99	1	w.r.t	w.r.t	PROPN
cana-1299	99	2	.	.	PUNCT
cana-1299	100	1	availability	availability	NOUN
cana-1299	100	2	of	of	ADP
cana-1299	100	3	digital	digital	ADJ
cana-1299	100	4	financial	financial	ADJ
cana-1299	100	5	services	service	NOUN
cana-1299	100	6	,	,	PUNCT
cana-1299	100	7	the	the	DET
cana-1299	100	8	factors	factor	NOUN
cana-1299	100	9	age	age	NOUN
cana-1299	100	10	,	,	PUNCT
cana-1299	100	11	education	education	NOUN
cana-1299	100	12	and	and	CCONJ
cana-1299	100	13	annual	annual	ADJ
cana-1299	100	14	family	family	NOUN
cana-1299	100	15	income	income	NOUN
cana-1299	100	16	exhibited	exhibit	VERB
cana-1299	100	17	strong	strong	ADJ
cana-1299	100	18	correlation	correlation	NOUN
cana-1299	100	19	with	with	ADP
cana-1299	100	20	coefficients	coefficient	NOUN
cana-1299	100	21	of	of	ADP
cana-1299	100	22	0.634	0.634	NUM
cana-1299	100	23	,	,	PUNCT
cana-1299	100	24	0.806	0.806	NUM
cana-1299	100	25	and	and	CCONJ
cana-1299	100	26	0.733	0.733	NUM
cana-1299	100	27	respectively	respectively	ADV
cana-1299	100	28	.	.	PUNCT
cana-1299	101	1	however	however	ADV
cana-1299	101	2	,	,	PUNCT
cana-1299	101	3	like	like	ADP
cana-1299	101	4	for	for	ADP
cana-1299	101	5	the	the	DET
cana-1299	101	6	other	other	ADJ
cana-1299	101	7	aspects	aspect	NOUN
cana-1299	101	8	,	,	PUNCT
cana-1299	101	9	gender	gender	NOUN
cana-1299	101	10	,	,	PUNCT
cana-1299	101	11	social	social	ADJ
cana-1299	101	12	stratification	stratification	NOUN
cana-1299	101	13	and	and	CCONJ
cana-1299	101	14	occupation	occupation	NOUN
cana-1299	101	15	were	be	AUX
cana-1299	101	16	found	find	VERB
cana-1299	101	17	to	to	PART
cana-1299	101	18	be	be	AUX
cana-1299	101	19	weakly	weakly	ADV
cana-1299	101	20	correlated	correlate	VERB
cana-1299	101	21	with	with	ADP
cana-1299	101	22	the	the	DET
cana-1299	101	23	digital	digital	ADJ
cana-1299	101	24	financial	financial	ADJ
cana-1299	101	25	services	service	NOUN
cana-1299	101	26	being	be	AUX
cana-1299	101	27	available	available	ADJ
cana-1299	101	28	.	.	PUNCT
cana-1299	102	1	with	with	ADP
cana-1299	102	2	regard	regard	NOUN
cana-1299	102	3	to	to	ADP
cana-1299	102	4	usage	usage	NOUN
cana-1299	102	5	parameters	parameter	NOUN
cana-1299	102	6	of	of	ADP
cana-1299	102	7	present	present	ADJ
cana-1299	102	8	use	use	NOUN
cana-1299	102	9	as	as	ADV
cana-1299	102	10	well	well	ADV
cana-1299	102	11	as	as	ADP
cana-1299	102	12	of	of	ADP
cana-1299	102	13	frequency	frequency	NOUN
cana-1299	102	14	of	of	ADP
cana-1299	102	15	usage	usage	NOUN
cana-1299	102	16	,	,	PUNCT
cana-1299	102	17	age	age	NOUN
cana-1299	102	18	,	,	PUNCT
cana-1299	102	19	education	education	NOUN
cana-1299	102	20	and	and	CCONJ
cana-1299	102	21	annual	annual	ADJ
cana-1299	102	22	family	family	NOUN
cana-1299	102	23	income	income	NOUN
cana-1299	102	24	found	find	VERB
cana-1299	102	25	to	to	PART
cana-1299	102	26	be	be	AUX
cana-1299	102	27	strongly	strongly	ADV
cana-1299	102	28	correlated	correlate	VERB
cana-1299	102	29	whereas	whereas	SCONJ
cana-1299	102	30	gender	gender	NOUN
cana-1299	102	31	and	and	CCONJ
cana-1299	102	32	social	social	ADJ
cana-1299	102	33	stratification	stratification	NOUN
cana-1299	102	34	even	even	ADV
cana-1299	102	35	though	though	SCONJ
cana-1299	102	36	with	with	ADP
cana-1299	102	37	positive	positive	ADJ
cana-1299	102	38	coefficient	coefficient	NOUN
cana-1299	102	39	values	value	NOUN
cana-1299	102	40	,	,	PUNCT
cana-1299	102	41	were	be	AUX
cana-1299	102	42	found	find	VERB
cana-1299	102	43	be	be	AUX
cana-1299	102	44	relatively	relatively	ADV
cana-1299	102	45	weakly	weakly	ADV
cana-1299	102	46	correlated	correlate	VERB
cana-1299	102	47	.	.	PUNCT
cana-1299	103	1	occupation	occupation	NOUN
cana-1299	103	2	with	with	ADP
cana-1299	103	3	a	a	DET
cana-1299	103	4	negligible	negligible	ADJ
cana-1299	103	5	correlation	correlation	NOUN
cana-1299	103	6	coefficient	coefficient	NOUN
cana-1299	103	7	of	of	ADP
cana-1299	103	8	0.011	0.011	NUM
cana-1299	103	9	and	and	CCONJ
cana-1299	103	10	social	social	ADJ
cana-1299	103	11	stratification	stratification	NOUN
cana-1299	103	12	with	with	ADP
cana-1299	103	13	a	a	DET
cana-1299	103	14	coefficient	coefficient	NOUN
cana-1299	103	15	of	of	ADP
cana-1299	103	16	0.016	0.016	NUM
cana-1299	103	17	,	,	PUNCT
cana-1299	103	18	which	which	PRON
cana-1299	103	19	are	be	AUX
cana-1299	103	20	near	near	ADJ
cana-1299	103	21	to	to	ADP
cana-1299	103	22	zero	zero	NUM
cana-1299	103	23	values	value	NOUN
cana-1299	103	24	,	,	PUNCT
cana-1299	103	25	were	be	AUX
cana-1299	103	26	found	find	VERB
cana-1299	103	27	to	to	PART
cana-1299	103	28	have	have	VERB
cana-1299	103	29	negligible	negligible	ADJ
cana-1299	103	30	impact	impact	NOUN
cana-1299	103	31	on	on	ADP
cana-1299	103	32	present	present	ADJ
cana-1299	103	33	use	use	NOUN
cana-1299	103	34	and	and	CCONJ
cana-1299	103	35	frequency	frequency	NOUN
cana-1299	103	36	of	of	ADP
cana-1299	103	37	use	use	NOUN
cana-1299	103	38	,	,	PUNCT
cana-1299	103	39	respectively	respectively	ADV
cana-1299	103	40	.	.	PUNCT
cana-1299	104	1	table-2	table-2	NUM
cana-1299	104	2	:	:	PUNCT
cana-1299	104	3	multiple	multiple	ADJ
cana-1299	104	4	regression	regression	NOUN
cana-1299	104	5	of	of	ADP
cana-1299	104	6	socio	socio	NOUN
cana-1299	104	7	-	-	ADJ
cana-1299	104	8	demographic	demographic	ADJ
cana-1299	104	9	factors	factor	NOUN
cana-1299	104	10	with	with	ADP
cana-1299	104	11	awareness	awareness	NOUN
cana-1299	104	12	on	on	ADP
cana-1299	104	13	digital	digital	ADJ
cana-1299	104	14	transaction	transaction	NOUN
cana-1299	104	15	platforms	platform	NOUN
cana-1299	104	16	in	in	ADP
cana-1299	104	17	case	case	NOUN
cana-1299	104	18	of	of	ADP
cana-1299	104	19	rural	rural	ADJ
cana-1299	104	20	customers	customer	NOUN
cana-1299	104	21	.	.	PUNCT
cana-1299	105	1	unstandardized	unstandardized	ADJ
cana-1299	105	2	coefficients	coefficient	NOUN
cana-1299	105	3	standardized	standardize	VERB
cana-1299	105	4	coefficients	coefficient	NOUN
cana-1299	105	5	t	t	PROPN
cana-1299	105	6	sig	sig	PROPN
cana-1299	105	7	.	.	PUNCT
cana-1299	106	1	b	b	X
cana-1299	106	2	std	std	PROPN
cana-1299	106	3	.	.	NOUN
cana-1299	106	4	error	error	NOUN
cana-1299	106	5	beta	beta	NOUN
cana-1299	106	6	(	(	PUNCT
cana-1299	106	7	constant	constant	ADJ
cana-1299	106	8	)	)	PUNCT
cana-1299	106	9	-0.051	-0.051	NOUN
cana-1299	106	10	0.009	0.009	NUM
cana-1299	106	11	-5.578	-5.578	PROPN
cana-1299	106	12	0.000	0.000	NUM
cana-1299	106	13	age	age	NOUN
cana-1299	106	14	0.072	0.072	NUM
cana-1299	106	15	0.007	0.007	NUM
cana-1299	106	16	0.377	0.377	NUM
cana-1299	106	17	10.171	10.171	NUM
cana-1299	106	18	0.000	0.000	NUM
cana-1299	106	19	education	education	NOUN
cana-1299	106	20	1.702	1.702	NUM
cana-1299	106	21	0.035	0.035	NUM
cana-1299	106	22	0.216	0.216	NUM
cana-1299	106	23	49.005	49.005	NUM
cana-1299	106	24	0.000	0.000	NUM
cana-1299	106	25	annual	annual	ADJ
cana-1299	106	26	family	family	NOUN
cana-1299	106	27	income	income	NOUN
cana-1299	106	28	0.147	0.147	NUM
cana-1299	106	29	0.013	0.013	NUM
cana-1299	106	30	0.457	0.457	NUM
cana-1299	106	31	11.508	11.508	NUM
cana-1299	106	32	0.000	0.000	NUM
cana-1299	106	33	n.b	n.b	NOUN
cana-1299	106	34	:	:	PUNCT
cana-1299	106	35	r	r	NOUN
cana-1299	106	36	=	=	SYM
cana-1299	106	37	0.741	0.741	NUM
cana-1299	106	38	,	,	PUNCT
cana-1299	106	39	r2	r2	PROPN
cana-1299	106	40	=	=	PROPN
cana-1299	106	41	0.549	0.549	NUM
cana-1299	106	42	source	source	NOUN
cana-1299	106	43	:	:	PUNCT
cana-1299	106	44	researcher	researcher	NOUN
cana-1299	106	45	’s	’s	PART
cana-1299	106	46	survey	survey	NOUN
cana-1299	106	47	from	from	ADP
cana-1299	106	48	the	the	DET
cana-1299	106	49	above	above	ADJ
cana-1299	106	50	table	table	NOUN
cana-1299	106	51	the	the	DET
cana-1299	106	52	regression	regression	NOUN
cana-1299	106	53	model	model	NOUN
cana-1299	106	54	would	would	AUX
cana-1299	106	55	be	be	AUX
cana-1299	106	56	:	:	PUNCT
cana-1299	106	57	awareness=(-)0.051	awareness=(-)0.051	PROPN
cana-1299	106	58	+	+	PROPN
cana-1299	106	59	0.072×age+1.702×education+0.147×annual	0.072×age+1.702×education+0.147×annual	ADJ
cana-1299	106	60	family	family	NOUN
cana-1299	106	61	income	income	NOUN
cana-1299	106	62	the	the	DET
cana-1299	106	63	constant	constant	ADJ
cana-1299	106	64	at	at	ADP
cana-1299	106	65	(	(	PUNCT
cana-1299	106	66	-)0.051	-)0.051	PROPN
cana-1299	106	67	represents	represent	VERB
cana-1299	106	68	level	level	NOUN
cana-1299	106	69	of	of	ADP
cana-1299	106	70	digital	digital	ADJ
cana-1299	106	71	financial	financial	ADJ
cana-1299	106	72	awareness	awareness	NOUN
cana-1299	106	73	when	when	SCONJ
cana-1299	106	74	all	all	DET
cana-1299	106	75	the	the	DET
cana-1299	106	76	independent	independent	ADJ
cana-1299	106	77	variables(age	variables(age	NOUN
cana-1299	106	78	,	,	PUNCT
cana-1299	106	79	education	education	NOUN
cana-1299	106	80	,	,	PUNCT
cana-1299	106	81	and	and	CCONJ
cana-1299	106	82	annual	annual	ADJ
cana-1299	106	83	family	family	NOUN
cana-1299	106	84	income	income	NOUN
cana-1299	106	85	)	)	PUNCT
cana-1299	106	86	are	be	AUX
cana-1299	106	87	zero	zero	NUM
cana-1299	106	88	.	.	PUNCT
cana-1299	107	1	practically	practically	ADV
cana-1299	107	2	,	,	PUNCT
cana-1299	107	3	however	however	ADV
cana-1299	107	4	,	,	PUNCT
cana-1299	107	5	these	these	DET
cana-1299	107	6	variables	variable	NOUN
cana-1299	107	7	are	be	AUX
cana-1299	107	8	unlikely	unlikely	ADJ
cana-1299	107	9	to	to	PART
cana-1299	107	10	be	be	AUX
cana-1299	107	11	zero	zero	NUM
cana-1299	107	12	.	.	PUNCT
cana-1299	108	1	w.r.t	w.r.t	NOUN
cana-1299	108	2	.	.	PUNCT
cana-1299	109	1	age	age	NOUN
cana-1299	109	2	,	,	PUNCT
cana-1299	109	3	the	the	DET
cana-1299	109	4	coefficient	coefficient	NOUN
cana-1299	109	5	is	be	AUX
cana-1299	109	6	0.072	0.072	NUM
cana-1299	109	7	,	,	PUNCT
cana-1299	109	8	which	which	PRON
cana-1299	109	9	indicates	indicate	VERB
cana-1299	109	10	increase	increase	NOUN
cana-1299	109	11	of	of	ADP
cana-1299	109	12	digital	digital	ADJ
cana-1299	109	13	financial	financial	ADJ
cana-1299	109	14	awareness	awareness	NOUN
cana-1299	109	15	by	by	ADP
cana-1299	109	16	approx	approx	PROPN
cana-1299	109	17	..	..	PUNCT
cana-1299	110	1	0.072	0.072	NUM
cana-1299	110	2	units	unit	NOUN
cana-1299	110	3	with	with	ADP
cana-1299	110	4	each	each	DET
cana-1299	110	5	additional	additional	ADJ
cana-1299	110	6	year	year	NOUN
cana-1299	110	7	of	of	ADP
cana-1299	110	8	age	age	NOUN
cana-1299	110	9	.	.	PUNCT
cana-1299	111	1	further	far	ADV
cana-1299	111	2	,	,	PUNCT
cana-1299	111	3	the	the	DET
cana-1299	111	4	standardized	standardized	ADJ
cana-1299	111	5	coefficient	coefficient	NOUN
cana-1299	111	6	(	(	PUNCT
cana-1299	111	7	beta	beta	NOUN
cana-1299	111	8	)	)	PUNCT
cana-1299	111	9	is	be	AUX
cana-1299	111	10	0.377	0.377	NUM
cana-1299	111	11	suggests	suggest	VERB
cana-1299	111	12	that	that	SCONJ
cana-1299	111	13	age	age	NOUN
cana-1299	111	14	as	as	ADP
cana-1299	111	15	a	a	DET
cana-1299	111	16	variable	variable	NOUN
cana-1299	111	17	has	have	VERB
cana-1299	111	18	a	a	DET
cana-1299	111	19	strong	strong	ADJ
cana-1299	111	20	positive	positive	ADJ
cana-1299	111	21	impact	impact	NOUN
cana-1299	111	22	on	on	ADP
cana-1299	111	23	awareness	awareness	NOUN
cana-1299	111	24	,	,	PUNCT
cana-1299	111	25	but	but	CCONJ
cana-1299	111	26	not	not	PART
cana-1299	111	27	as	as	ADV
cana-1299	111	28	strong	strong	ADJ
cana-1299	111	29	as	as	ADP
cana-1299	111	30	annual	annual	ADJ
cana-1299	111	31	family	family	NOUN
cana-1299	111	32	income	income	NOUN
cana-1299	111	33	.	.	PUNCT
cana-1299	112	1	communications	communication	NOUN
cana-1299	112	2	on	on	ADP
cana-1299	112	3	applied	apply	VERB
cana-1299	112	4	nonlinear	nonlinear	ADJ
cana-1299	112	5	analysis	analysis	NOUN
cana-1299	112	6	issn	issn	NOUN
cana-1299	112	7	:	:	PUNCT
cana-1299	112	8	1074	1074	NUM
cana-1299	112	9	-	-	PUNCT
cana-1299	112	10	133x	133x	NUM
cana-1299	112	11	vol	vol	NOUN
cana-1299	112	12	31	31	NUM
cana-1299	112	13	no	no	NOUN
cana-1299	112	14	.	.	PUNCT
cana-1299	113	1	7s	7	NOUN
cana-1299	113	2	(	(	PUNCT
cana-1299	113	3	2024	2024	NUM
cana-1299	113	4	)	)	PUNCT
cana-1299	113	5	245	245	NUM
cana-1299	113	6	https://internationalpubls.com	https://internationalpubls.com	X
cana-1299	113	7	the	the	DET
cana-1299	113	8	coefficient	coefficient	NOUN
cana-1299	113	9	for	for	ADP
cana-1299	113	10	education	education	NOUN
cana-1299	113	11	at	at	ADP
cana-1299	113	12	1.702	1.702	NUM
cana-1299	113	13	indicates	indicate	VERB
cana-1299	113	14	awareness	awareness	NOUN
cana-1299	113	15	of	of	ADP
cana-1299	113	16	digital	digital	ADJ
cana-1299	113	17	transaction	transaction	NOUN
cana-1299	113	18	platforms	platform	NOUN
cana-1299	113	19	to	to	PART
cana-1299	113	20	increase	increase	VERB
cana-1299	113	21	by	by	ADP
cana-1299	113	22	approximately	approximately	ADV
cana-1299	113	23	1.702	1.702	NUM
cana-1299	113	24	units	unit	NOUN
cana-1299	113	25	for	for	ADP
cana-1299	113	26	each	each	DET
cana-1299	113	27	additional	additional	ADJ
cana-1299	113	28	unit	unit	NOUN
cana-1299	113	29	increase	increase	NOUN
cana-1299	113	30	in	in	ADP
cana-1299	113	31	education	education	NOUN
cana-1299	113	32	level	level	NOUN
cana-1299	113	33	(	(	PUNCT
cana-1299	113	34	e.g.	e.g.	ADV
cana-1299	113	35	,	,	PUNCT
cana-1299	113	36	from	from	ADP
cana-1299	113	37	high	high	ADJ
cana-1299	113	38	school	school	NOUN
cana-1299	113	39	to	to	ADP
cana-1299	113	40	college	college	NOUN
cana-1299	113	41	)	)	PUNCT
cana-1299	113	42	.	.	PUNCT
cana-1299	114	1	the	the	DET
cana-1299	114	2	standardized	standardized	ADJ
cana-1299	114	3	coefficient	coefficient	NOUN
cana-1299	114	4	(	(	PUNCT
cana-1299	114	5	beta	beta	NOUN
cana-1299	114	6	)	)	PUNCT
cana-1299	114	7	is	be	AUX
cana-1299	114	8	0.216	0.216	NUM
cana-1299	114	9	,	,	PUNCT
cana-1299	114	10	suggesting	suggest	VERB
cana-1299	114	11	education	education	NOUN
cana-1299	114	12	has	have	VERB
cana-1299	114	13	a	a	DET
cana-1299	114	14	positive	positive	ADJ
cana-1299	114	15	impact	impact	NOUN
cana-1299	114	16	on	on	ADP
cana-1299	114	17	awareness	awareness	NOUN
cana-1299	114	18	but	but	CCONJ
cana-1299	114	19	a	a	DET
cana-1299	114	20	weak	weak	ADJ
cana-1299	114	21	variable	variable	NOUN
cana-1299	114	22	compared	compare	VERB
cana-1299	114	23	to	to	ADP
cana-1299	114	24	age	age	NOUN
cana-1299	114	25	or	or	CCONJ
cana-1299	114	26	annual	annual	ADJ
cana-1299	114	27	family	family	NOUN
cana-1299	114	28	income	income	NOUN
cana-1299	114	29	.	.	PUNCT
cana-1299	115	1	w.r.t	w.r.t	PROPN
cana-1299	115	2	.	.	PUNCT
cana-1299	116	1	annual	annual	ADJ
cana-1299	116	2	family	family	NOUN
cana-1299	116	3	income	income	NOUN
cana-1299	116	4	,	,	PUNCT
cana-1299	116	5	the	the	DET
cana-1299	116	6	coefficient	coefficient	NOUN
cana-1299	116	7	at	at	ADP
cana-1299	116	8	0.147	0.147	NUM
cana-1299	116	9	indicates	indicate	VERB
cana-1299	116	10	that	that	SCONJ
cana-1299	116	11	for	for	ADP
cana-1299	116	12	each	each	DET
cana-1299	116	13	additional	additional	ADJ
cana-1299	116	14	unit	unit	NOUN
cana-1299	116	15	increase	increase	NOUN
cana-1299	116	16	in	in	ADP
cana-1299	116	17	family	family	NOUN
cana-1299	116	18	income	income	NOUN
cana-1299	116	19	,	,	PUNCT
cana-1299	116	20	awareness	awareness	NOUN
cana-1299	116	21	of	of	ADP
cana-1299	116	22	digital	digital	ADJ
cana-1299	116	23	financial	financial	ADJ
cana-1299	116	24	services	service	NOUN
cana-1299	116	25	would	would	AUX
cana-1299	116	26	increase	increase	VERB
cana-1299	116	27	by	by	ADP
cana-1299	116	28	approximately	approximately	ADV
cana-1299	116	29	0.147	0.147	NUM
cana-1299	116	30	units	unit	NOUN
cana-1299	116	31	.	.	PUNCT
cana-1299	117	1	the	the	DET
cana-1299	117	2	standardized	standardized	ADJ
cana-1299	117	3	coefficient	coefficient	NOUN
cana-1299	117	4	(	(	PUNCT
cana-1299	117	5	beta	beta	NOUN
cana-1299	117	6	)	)	PUNCT
cana-1299	117	7	is	be	AUX
cana-1299	117	8	0.457	0.457	NUM
cana-1299	117	9	indicates	indicate	VERB
cana-1299	117	10	that	that	SCONJ
cana-1299	117	11	the	the	DET
cana-1299	117	12	variable	variable	ADJ
cana-1299	117	13	income	income	NOUN
cana-1299	117	14	has	have	VERB
cana-1299	117	15	the	the	DET
cana-1299	117	16	strongest	strong	ADJ
cana-1299	117	17	positive	positive	ADJ
cana-1299	117	18	impact	impact	NOUN
cana-1299	117	19	on	on	ADP
cana-1299	117	20	awareness	awareness	NOUN
cana-1299	117	21	.	.	PUNCT
cana-1299	118	1	the	the	DET
cana-1299	118	2	t	t	NOUN
cana-1299	118	3	-	-	PUNCT
cana-1299	118	4	values	value	NOUN
cana-1299	118	5	and	and	CCONJ
cana-1299	118	6	associated	associate	VERB
cana-1299	118	7	p	p	NOUN
cana-1299	118	8	-	-	PUNCT
cana-1299	118	9	values	value	NOUN
cana-1299	118	10	(	(	PUNCT
cana-1299	118	11	sig	sig	NOUN
cana-1299	118	12	.	.	PUNCT
cana-1299	118	13	)	)	PUNCT
cana-1299	118	14	indicate	indicate	VERB
cana-1299	118	15	the	the	DET
cana-1299	118	16	significance	significance	NOUN
cana-1299	118	17	of	of	ADP
cana-1299	118	18	each	each	DET
cana-1299	118	19	coefficient	coefficient	NOUN
cana-1299	118	20	.	.	PUNCT
cana-1299	119	1	all	all	DET
cana-1299	119	2	coefficients	coefficient	NOUN
cana-1299	119	3	were	be	AUX
cana-1299	119	4	found	find	VERB
cana-1299	119	5	statistically	statistically	ADV
cana-1299	119	6	significant	significant	ADJ
cana-1299	119	7	(	(	PUNCT
cana-1299	119	8	p	p	X
cana-1299	119	9	<	<	X
cana-1299	119	10	0.05	0.05	NUM
cana-1299	119	11	)	)	PUNCT
cana-1299	119	12	.	.	PUNCT
cana-1299	120	1	table-3	table-3	PRON
cana-1299	120	2	:	:	PUNCT
cana-1299	120	3	multiple	multiple	ADJ
cana-1299	120	4	regression	regression	NOUN
cana-1299	120	5	of	of	ADP
cana-1299	120	6	socio	socio	NOUN
cana-1299	120	7	-	-	ADJ
cana-1299	120	8	demographic	demographic	ADJ
cana-1299	120	9	factors	factor	NOUN
cana-1299	120	10	with	with	ADP
cana-1299	120	11	comfort	comfort	NOUN
cana-1299	120	12	in	in	ADP
cana-1299	120	13	using	use	VERB
cana-1299	120	14	digital	digital	ADJ
cana-1299	120	15	transaction	transaction	NOUN
cana-1299	120	16	platforms	platform	NOUN
cana-1299	120	17	in	in	ADP
cana-1299	120	18	case	case	NOUN
cana-1299	120	19	of	of	ADP
cana-1299	120	20	rural	rural	ADJ
cana-1299	120	21	customers	customer	NOUN
cana-1299	120	22	.	.	PUNCT
cana-1299	121	1	unstandardized	unstandardized	ADJ
cana-1299	121	2	coefficients	coefficient	NOUN
cana-1299	121	3	standardized	standardize	VERB
cana-1299	121	4	coefficients	coefficient	NOUN
cana-1299	121	5	t	t	PROPN
cana-1299	121	6	sig	sig	PROPN
cana-1299	121	7	.	.	PUNCT
cana-1299	122	1	b	b	X
cana-1299	122	2	std	std	PROPN
cana-1299	122	3	.	.	NOUN
cana-1299	122	4	error	error	NOUN
cana-1299	122	5	beta	beta	NOUN
cana-1299	122	6	(	(	PUNCT
cana-1299	122	7	constant	constant	ADJ
cana-1299	122	8	)	)	PUNCT
cana-1299	122	9	0.013	0.013	NUM
cana-1299	122	10	0.006	0.006	NUM
cana-1299	122	11	2.309	2.309	NUM
cana-1299	122	12	0.022	0.022	NUM
cana-1299	122	13	age	age	NOUN
cana-1299	122	14	2.056	2.056	NUM
cana-1299	122	15	0.027	0.027	NUM
cana-1299	122	16	0.099	0.099	NUM
cana-1299	122	17	74.845	74.845	NUM
cana-1299	122	18	0.000	0.000	NUM
cana-1299	122	19	education	education	NOUN
cana-1299	122	20	0.096	0.096	NUM
cana-1299	122	21	0.010	0.010	NUM
cana-1299	122	22	0.437	0.437	NUM
cana-1299	122	23	9.528	9.528	NUM
cana-1299	122	24	0.000	0.000	NUM
cana-1299	122	25	annual	annual	ADJ
cana-1299	122	26	family	family	NOUN
cana-1299	122	27	income	income	NOUN
cana-1299	122	28	0.047	0.047	NUM
cana-1299	122	29	0.007	0.007	NUM
cana-1299	122	30	0.295	0.295	NUM
cana-1299	122	31	6.592	6.592	NUM
cana-1299	122	32	0.000	0.000	NUM
cana-1299	122	33	n.b	n.b	NOUN
cana-1299	122	34	:	:	PUNCT
cana-1299	122	35	r	r	NOUN
cana-1299	122	36	=	=	SYM
cana-1299	122	37	0.732	0.732	NUM
cana-1299	122	38	,	,	PUNCT
cana-1299	122	39	r2	r2	PROPN
cana-1299	122	40	=	=	PUNCT
cana-1299	122	41	0.534	0.534	NUM
cana-1299	122	42	source	source	NOUN
cana-1299	122	43	:	:	PUNCT
cana-1299	122	44	researcher	researcher	NOUN
cana-1299	122	45	’s	’s	PART
cana-1299	122	46	survey	survey	NOUN
cana-1299	122	47	a	a	DET
cana-1299	122	48	multiple	multiple	ADJ
cana-1299	122	49	regression	regression	NOUN
cana-1299	122	50	was	be	AUX
cana-1299	122	51	run	run	VERB
cana-1299	122	52	to	to	PART
cana-1299	122	53	analyse	analyse	VERB
cana-1299	122	54	the	the	DET
cana-1299	122	55	comfort	comfort	NOUN
cana-1299	122	56	or	or	CCONJ
cana-1299	122	57	convenience	convenience	NOUN
cana-1299	122	58	in	in	ADP
cana-1299	122	59	using	use	VERB
cana-1299	122	60	digital	digital	ADJ
cana-1299	122	61	financial	financial	ADJ
cana-1299	122	62	services	service	NOUN
cana-1299	122	63	and	and	CCONJ
cana-1299	122	64	the	the	DET
cana-1299	122	65	following	follow	VERB
cana-1299	122	66	regression	regression	NOUN
cana-1299	122	67	model	model	NOUN
cana-1299	122	68	emerged	emerge	VERB
cana-1299	122	69	:	:	PUNCT
cana-1299	122	70	comfort	comfort	NOUN
cana-1299	122	71	(	(	PUNCT
cana-1299	122	72	ease	ease	NOUN
cana-1299	122	73	of	of	ADP
cana-1299	122	74	use	use	NOUN
cana-1299	122	75	)	)	PUNCT
cana-1299	122	76	=	=	PUNCT
cana-1299	123	1	0.013	0.013	NUM
cana-1299	123	2	+	+	ADJ
cana-1299	123	3	2.056×age+0.096×education+0.047×annual	2.056×age+0.096×education+0.047×annual	ADJ
cana-1299	123	4	family	family	NOUN
cana-1299	123	5	income	income	NOUN
cana-1299	123	6	the	the	DET
cana-1299	123	7	coefficient	coefficient	NOUN
cana-1299	123	8	for	for	ADP
cana-1299	123	9	age	age	NOUN
cana-1299	123	10	is	be	AUX
cana-1299	123	11	2.056	2.056	NUM
cana-1299	123	12	indicates	indicate	VERB
cana-1299	123	13	that	that	SCONJ
cana-1299	123	14	for	for	ADP
cana-1299	123	15	each	each	DET
cana-1299	123	16	additional	additional	ADJ
cana-1299	123	17	year	year	NOUN
cana-1299	123	18	of	of	ADP
cana-1299	123	19	age	age	NOUN
cana-1299	123	20	,	,	PUNCT
cana-1299	123	21	comfort	comfort	NOUN
cana-1299	123	22	on	on	ADP
cana-1299	123	23	digital	digital	ADJ
cana-1299	123	24	transaction	transaction	NOUN
cana-1299	123	25	platforms	platform	NOUN
cana-1299	123	26	increases	increase	VERB
cana-1299	123	27	by	by	ADP
cana-1299	123	28	approximately	approximately	ADV
cana-1299	123	29	2.056	2.056	NUM
cana-1299	123	30	units	unit	NOUN
cana-1299	123	31	.	.	PUNCT
cana-1299	124	1	the	the	DET
cana-1299	124	2	standardized	standardized	ADJ
cana-1299	124	3	coefficient	coefficient	NOUN
cana-1299	124	4	(	(	PUNCT
cana-1299	124	5	beta	beta	NOUN
cana-1299	124	6	)	)	PUNCT
cana-1299	124	7	at	at	ADP
cana-1299	124	8	0.099	0.099	NUM
cana-1299	124	9	suggests	suggest	VERB
cana-1299	124	10	that	that	SCONJ
cana-1299	124	11	age	age	NOUN
cana-1299	124	12	has	have	VERB
cana-1299	124	13	a	a	DET
cana-1299	124	14	positive	positive	ADJ
cana-1299	124	15	impact	impact	NOUN
cana-1299	124	16	on	on	ADP
cana-1299	124	17	comfort	comfort	NOUN
cana-1299	124	18	of	of	ADP
cana-1299	124	19	usage	usage	NOUN
cana-1299	124	20	but	but	CCONJ
cana-1299	124	21	not	not	PART
cana-1299	124	22	as	as	ADV
cana-1299	124	23	strong	strong	ADJ
cana-1299	124	24	as	as	ADP
cana-1299	124	25	the	the	DET
cana-1299	124	26	other	other	ADJ
cana-1299	124	27	variables	variable	NOUN
cana-1299	124	28	in	in	ADP
cana-1299	124	29	the	the	DET
cana-1299	124	30	model	model	NOUN
cana-1299	124	31	.	.	PUNCT
cana-1299	125	1	the	the	DET
cana-1299	125	2	coefficient	coefficient	NOUN
cana-1299	125	3	for	for	ADP
cana-1299	125	4	education	education	NOUN
cana-1299	125	5	is	be	AUX
cana-1299	125	6	0.096	0.096	NUM
cana-1299	125	7	which	which	PRON
cana-1299	125	8	indicates	indicate	VERB
cana-1299	125	9	that	that	SCONJ
cana-1299	125	10	for	for	ADP
cana-1299	125	11	each	each	DET
cana-1299	125	12	additional	additional	ADJ
cana-1299	125	13	unit	unit	NOUN
cana-1299	125	14	increase	increase	NOUN
cana-1299	125	15	in	in	ADP
cana-1299	125	16	education	education	NOUN
cana-1299	125	17	level	level	NOUN
cana-1299	125	18	,	,	PUNCT
cana-1299	125	19	comfortability	comfortability	NOUN
cana-1299	125	20	of	of	ADP
cana-1299	125	21	using	use	VERB
cana-1299	125	22	digital	digital	ADJ
cana-1299	125	23	financial	financial	ADJ
cana-1299	125	24	services	service	NOUN
cana-1299	125	25	increases	increase	NOUN
cana-1299	125	26	by	by	ADP
cana-1299	125	27	approximately	approximately	ADV
cana-1299	125	28	0.066	0.066	NUM
cana-1299	125	29	units	unit	NOUN
cana-1299	125	30	.	.	PUNCT
cana-1299	126	1	the	the	DET
cana-1299	126	2	standardized	standardized	ADJ
cana-1299	126	3	coefficient	coefficient	NOUN
cana-1299	126	4	(	(	PUNCT
cana-1299	126	5	beta	beta	NOUN
cana-1299	126	6	)	)	PUNCT
cana-1299	126	7	at	at	ADP
cana-1299	126	8	0.437	0.437	NUM
cana-1299	126	9	suggests	suggest	VERB
cana-1299	126	10	that	that	SCONJ
cana-1299	126	11	education	education	NOUN
cana-1299	126	12	has	have	VERB
cana-1299	126	13	a	a	DET
cana-1299	126	14	relatively	relatively	ADV
cana-1299	126	15	strong	strong	ADJ
cana-1299	126	16	positive	positive	ADJ
cana-1299	126	17	impact	impact	NOUN
cana-1299	126	18	on	on	ADP
cana-1299	126	19	usage	usage	NOUN
cana-1299	126	20	comfortability	comfortability	NOUN
cana-1299	126	21	aspect	aspect	NOUN
cana-1299	126	22	compared	compare	VERB
cana-1299	126	23	to	to	ADP
cana-1299	126	24	other	other	ADJ
cana-1299	126	25	variables	variable	NOUN
cana-1299	126	26	in	in	ADP
cana-1299	126	27	the	the	DET
cana-1299	126	28	model	model	NOUN
cana-1299	126	29	.	.	PUNCT
cana-1299	127	1	the	the	DET
cana-1299	127	2	coefficient	coefficient	NOUN
cana-1299	127	3	for	for	ADP
cana-1299	127	4	annual	annual	ADJ
cana-1299	127	5	family	family	NOUN
cana-1299	127	6	income	income	NOUN
cana-1299	127	7	is	be	AUX
cana-1299	127	8	0.047	0.047	NUM
cana-1299	127	9	indicating	indicate	VERB
cana-1299	127	10	increase	increase	NOUN
cana-1299	127	11	in	in	ADP
cana-1299	127	12	comfort	comfort	NOUN
cana-1299	127	13	factor	factor	NOUN
cana-1299	127	14	by	by	ADP
cana-1299	127	15	approximately	approximately	ADV
cana-1299	127	16	0.047	0.047	NUM
cana-1299	127	17	units	unit	NOUN
cana-1299	127	18	with	with	ADP
cana-1299	127	19	increase	increase	NOUN
cana-1299	127	20	in	in	ADP
cana-1299	127	21	each	each	DET
cana-1299	127	22	additional	additional	ADJ
cana-1299	127	23	unit	unit	NOUN
cana-1299	127	24	increase	increase	NOUN
cana-1299	127	25	in	in	ADP
cana-1299	127	26	annual	annual	ADJ
cana-1299	127	27	family	family	NOUN
cana-1299	127	28	income	income	NOUN
cana-1299	127	29	.	.	PUNCT
cana-1299	128	1	the	the	DET
cana-1299	128	2	standardized	standardized	ADJ
cana-1299	128	3	coefficient	coefficient	NOUN
cana-1299	128	4	(	(	PUNCT
cana-1299	128	5	beta	beta	NOUN
cana-1299	128	6	)	)	PUNCT
cana-1299	128	7	is	be	AUX
cana-1299	128	8	0.295	0.295	NUM
cana-1299	128	9	,	,	PUNCT
cana-1299	128	10	suggesting	suggest	VERB
cana-1299	128	11	income	income	NOUN
cana-1299	128	12	has	have	VERB
cana-1299	128	13	a	a	DET
cana-1299	128	14	positive	positive	ADJ
cana-1299	128	15	impact	impact	NOUN
cana-1299	128	16	on	on	ADP
cana-1299	128	17	comfort	comfort	NOUN
cana-1299	128	18	but	but	CCONJ
cana-1299	128	19	not	not	PART
cana-1299	128	20	as	as	ADV
cana-1299	128	21	strong	strong	ADJ
cana-1299	128	22	as	as	ADP
cana-1299	128	23	education	education	NOUN
cana-1299	128	24	.	.	PUNCT
cana-1299	129	1	communications	communication	NOUN
cana-1299	129	2	on	on	ADP
cana-1299	129	3	applied	apply	VERB
cana-1299	129	4	nonlinear	nonlinear	ADJ
cana-1299	129	5	analysis	analysis	NOUN
cana-1299	129	6	issn	issn	NOUN
cana-1299	129	7	:	:	PUNCT
cana-1299	129	8	1074	1074	NUM
cana-1299	129	9	-	-	PUNCT
cana-1299	129	10	133x	133x	NUM
cana-1299	129	11	vol	vol	NOUN
cana-1299	129	12	31	31	NUM
cana-1299	129	13	no	no	NOUN
cana-1299	129	14	.	.	PUNCT
cana-1299	130	1	7s	7	NOUN
cana-1299	130	2	(	(	PUNCT
cana-1299	130	3	2024	2024	NUM
cana-1299	130	4	)	)	PUNCT
cana-1299	130	5	246	246	NUM
cana-1299	130	6	https://internationalpubls.com	https://internationalpubls.com	X
cana-1299	130	7	all	all	DET
cana-1299	130	8	coefficients	coefficient	NOUN
cana-1299	130	9	were	be	AUX
cana-1299	130	10	found	find	VERB
cana-1299	130	11	statistically	statistically	ADV
cana-1299	130	12	significant	significant	ADJ
cana-1299	130	13	(	(	PUNCT
cana-1299	130	14	p	p	X
cana-1299	130	15	<	<	X
cana-1299	130	16	0.05	0.05	NUM
cana-1299	130	17	)	)	PUNCT
cana-1299	130	18	,	,	PUNCT
cana-1299	130	19	suggesting	suggest	VERB
cana-1299	130	20	that	that	SCONJ
cana-1299	130	21	age	age	NOUN
cana-1299	130	22	,	,	PUNCT
cana-1299	130	23	education	education	NOUN
cana-1299	130	24	,	,	PUNCT
cana-1299	130	25	and	and	CCONJ
cana-1299	130	26	annual	annual	ADJ
cana-1299	130	27	family	family	NOUN
cana-1299	130	28	income	income	NOUN
cana-1299	130	29	are	be	AUX
cana-1299	130	30	all	all	PRON
cana-1299	130	31	significantly	significantly	ADV
cana-1299	130	32	predictors	predictor	NOUN
cana-1299	130	33	of	of	ADP
cana-1299	130	34	ease	ease	NOUN
cana-1299	130	35	of	of	ADP
cana-1299	130	36	use	use	NOUN
cana-1299	130	37	on	on	ADP
cana-1299	130	38	digital	digital	ADJ
cana-1299	130	39	transaction	transaction	NOUN
cana-1299	130	40	platforms	platform	NOUN
cana-1299	130	41	among	among	ADP
cana-1299	130	42	rural	rural	ADJ
cana-1299	130	43	customers	customer	NOUN
cana-1299	130	44	.	.	PUNCT
cana-1299	131	1	table-4	table-4	NOUN
cana-1299	131	2	:	:	PUNCT
cana-1299	131	3	multiple	multiple	ADJ
cana-1299	131	4	regression	regression	NOUN
cana-1299	131	5	of	of	ADP
cana-1299	131	6	socio	socio	NOUN
cana-1299	131	7	-	-	ADJ
cana-1299	131	8	demographic	demographic	ADJ
cana-1299	131	9	factors	factor	NOUN
cana-1299	131	10	with	with	ADP
cana-1299	131	11	availability	availability	NOUN
cana-1299	131	12	of	of	ADP
cana-1299	131	13	digital	digital	ADJ
cana-1299	131	14	transaction	transaction	NOUN
cana-1299	131	15	platforms	platform	NOUN
cana-1299	131	16	in	in	ADP
cana-1299	131	17	case	case	NOUN
cana-1299	131	18	of	of	ADP
cana-1299	131	19	rural	rural	ADJ
cana-1299	131	20	customers	customer	NOUN
cana-1299	131	21	.	.	PUNCT
cana-1299	132	1	unstandardized	unstandardized	ADJ
cana-1299	132	2	coefficients	coefficient	NOUN
cana-1299	132	3	standardized	standardize	VERB
cana-1299	132	4	coefficients	coefficient	NOUN
cana-1299	132	5	t	t	PROPN
cana-1299	132	6	sig	sig	PROPN
cana-1299	132	7	.	.	PUNCT
cana-1299	133	1	b	b	X
cana-1299	133	2	std	std	PROPN
cana-1299	133	3	.	.	NOUN
cana-1299	133	4	error	error	NOUN
cana-1299	133	5	beta	beta	NOUN
cana-1299	133	6	(	(	PUNCT
cana-1299	133	7	constant	constant	ADJ
cana-1299	133	8	)	)	PUNCT
cana-1299	133	9	-0.049	-0.049	PUNCT
cana-1299	133	10	0.007	0.007	NUM
cana-1299	133	11	-6.796	-6.796	NOUN
cana-1299	133	12	0.000	0.000	NUM
cana-1299	133	13	age	age	NOUN
cana-1299	133	14	0.033	0.033	NUM
cana-1299	133	15	0.006	0.006	NUM
cana-1299	133	16	0.251	0.251	NUM
cana-1299	133	17	5.806	5.806	NUM
cana-1299	133	18	0.000	0.000	NUM
cana-1299	133	19	education	education	NOUN
cana-1299	133	20	1.951	1.951	NUM
cana-1299	133	21	0.028	0.028	NUM
cana-1299	133	22	0.306	0.306	NUM
cana-1299	133	23	69.732	69.732	NUM
cana-1299	133	24	0.000	0.000	NUM
cana-1299	133	25	annual	annual	ADJ
cana-1299	133	26	family	family	NOUN
cana-1299	133	27	income	income	NOUN
cana-1299	133	28	0.076	0.076	NUM
cana-1299	133	29	0.01	0.01	NUM
cana-1299	133	30	0.341	0.341	NUM
cana-1299	133	31	7.381	7.381	NUM
cana-1299	133	32	0.000	0.000	NUM
cana-1299	133	33	n.b	n.b	NOUN
cana-1299	133	34	:	:	PUNCT
cana-1299	133	35	r	r	NOUN
cana-1299	133	36	=	=	SYM
cana-1299	133	37	0.724	0.724	NUM
cana-1299	133	38	,	,	PUNCT
cana-1299	133	39	r2	r2	PROPN
cana-1299	133	40	=	=	PROPN
cana-1299	133	41	0.524	0.524	NUM
cana-1299	133	42	.	.	PUNCT
cana-1299	134	1	source	source	NOUN
cana-1299	134	2	:	:	PUNCT
cana-1299	134	3	researcher	researcher	NOUN
cana-1299	134	4	’s	’s	PART
cana-1299	134	5	survey	survey	NOUN
cana-1299	134	6	in	in	ADP
cana-1299	134	7	analysis	analysis	NOUN
cana-1299	134	8	of	of	ADP
cana-1299	134	9	availability	availability	NOUN
cana-1299	134	10	factor	factor	NOUN
cana-1299	134	11	of	of	ADP
cana-1299	134	12	digital	digital	ADJ
cana-1299	134	13	transaction	transaction	NOUN
cana-1299	134	14	platforms	platform	NOUN
cana-1299	134	15	,	,	PUNCT
cana-1299	134	16	the	the	DET
cana-1299	134	17	regression	regression	NOUN
cana-1299	134	18	model	model	NOUN
cana-1299	134	19	emerged	emerge	VERB
cana-1299	134	20	as	as	ADP
cana-1299	134	21	below	below	ADV
cana-1299	134	22	:	:	PUNCT
cana-1299	134	23	y=(-)0.049	y=(-)0.049	PROPN
cana-1299	134	24	+	+	ADJ
cana-1299	134	25	0.033×age+1.951×education+0.076×annual	0.033×age+1.951×education+0.076×annual	ADJ
cana-1299	134	26	family	family	NOUN
cana-1299	134	27	income	income	NOUN
cana-1299	134	28	the	the	DET
cana-1299	134	29	multiple	multiple	ADJ
cana-1299	134	30	regression	regression	NOUN
cana-1299	134	31	run	run	VERB
cana-1299	134	32	for	for	ADP
cana-1299	134	33	the	the	DET
cana-1299	134	34	availability	availability	NOUN
cana-1299	134	35	factor	factor	NOUN
cana-1299	134	36	brought	bring	VERB
cana-1299	134	37	out	out	ADP
cana-1299	134	38	coefficients	coefficient	NOUN
cana-1299	134	39	for	for	ADP
cana-1299	134	40	age	age	NOUN
cana-1299	134	41	,	,	PUNCT
cana-1299	134	42	education	education	NOUN
cana-1299	134	43	and	and	CCONJ
cana-1299	134	44	annual	annual	ADJ
cana-1299	134	45	income	income	NOUN
cana-1299	134	46	at	at	ADP
cana-1299	134	47	0.033	0.033	NUM
cana-1299	134	48	,	,	PUNCT
cana-1299	134	49	1.951	1.951	NUM
cana-1299	134	50	and	and	CCONJ
cana-1299	134	51	0.076	0.076	NUM
cana-1299	134	52	,	,	PUNCT
cana-1299	134	53	respectively	respectively	ADV
cana-1299	134	54	.	.	PUNCT
cana-1299	135	1	this	this	PRON
cana-1299	135	2	suggests	suggest	VERB
cana-1299	135	3	that	that	SCONJ
cana-1299	135	4	the	the	DET
cana-1299	135	5	availability	availability	NOUN
cana-1299	135	6	of	of	ADP
cana-1299	135	7	digital	digital	ADJ
cana-1299	135	8	financial	financial	ADJ
cana-1299	135	9	services	service	NOUN
cana-1299	135	10	increases	increase	NOUN
cana-1299	135	11	by	by	ADP
cana-1299	135	12	these	these	DET
cana-1299	135	13	many	many	ADJ
cana-1299	135	14	units	unit	NOUN
cana-1299	135	15	with	with	ADP
cana-1299	135	16	additional	additional	ADJ
cana-1299	135	17	year	year	NOUN
cana-1299	135	18	of	of	ADP
cana-1299	135	19	age	age	NOUN
cana-1299	135	20	,	,	PUNCT
cana-1299	135	21	additional	additional	ADJ
cana-1299	135	22	unit	unit	NOUN
cana-1299	135	23	of	of	ADP
cana-1299	135	24	education	education	NOUN
cana-1299	135	25	and	and	CCONJ
cana-1299	135	26	additional	additional	ADJ
cana-1299	135	27	unit	unit	NOUN
cana-1299	135	28	increase	increase	NOUN
cana-1299	135	29	in	in	ADP
cana-1299	135	30	family	family	NOUN
cana-1299	135	31	income	income	NOUN
cana-1299	135	32	respectively	respectively	ADV
cana-1299	135	33	.	.	PUNCT
cana-1299	136	1	the	the	DET
cana-1299	136	2	age	age	NOUN
cana-1299	136	3	,	,	PUNCT
cana-1299	136	4	education	education	NOUN
cana-1299	136	5	and	and	CCONJ
cana-1299	136	6	annual	annual	ADJ
cana-1299	136	7	family	family	NOUN
cana-1299	136	8	income	income	NOUN
cana-1299	136	9	being	be	AUX
cana-1299	136	10	important	important	ADJ
cana-1299	136	11	socio	socio	NOUN
cana-1299	136	12	-	-	ADJ
cana-1299	136	13	demographic	demographic	ADJ
cana-1299	136	14	factors	factor	NOUN
cana-1299	136	15	emerged	emerge	VERB
cana-1299	136	16	with	with	ADP
cana-1299	136	17	standardised	standardised	ADJ
cana-1299	136	18	coefficients	coefficient	NOUN
cana-1299	136	19	at	at	ADP
cana-1299	136	20	0.251	0.251	NUM
cana-1299	136	21	,	,	PUNCT
cana-1299	136	22	0.306	0.306	NUM
cana-1299	136	23	and	and	CCONJ
cana-1299	136	24	0.341	0.341	NUM
cana-1299	136	25	respectively	respectively	ADV
cana-1299	136	26	that	that	SCONJ
cana-1299	136	27	influence	influence	VERB
cana-1299	136	28	the	the	DET
cana-1299	136	29	availability	availability	NOUN
cana-1299	136	30	of	of	ADP
cana-1299	136	31	digital	digital	ADJ
cana-1299	136	32	financial	financial	ADJ
cana-1299	136	33	services	service	NOUN
cana-1299	136	34	among	among	ADP
cana-1299	136	35	rural	rural	ADJ
cana-1299	136	36	customers	customer	NOUN
cana-1299	136	37	.	.	PUNCT
cana-1299	137	1	all	all	DET
cana-1299	137	2	the	the	DET
cana-1299	137	3	coefficients	coefficient	NOUN
cana-1299	137	4	were	be	AUX
cana-1299	137	5	found	find	VERB
cana-1299	137	6	to	to	PART
cana-1299	137	7	be	be	AUX
cana-1299	137	8	statistically	statistically	ADV
cana-1299	137	9	significant	significant	ADJ
cana-1299	137	10	(	(	PUNCT
cana-1299	137	11	p	p	X
cana-1299	137	12	<	<	X
cana-1299	137	13	0.05	0.05	NUM
cana-1299	137	14	)	)	PUNCT
cana-1299	137	15	,	,	PUNCT
cana-1299	137	16	suggesting	suggest	VERB
cana-1299	137	17	that	that	SCONJ
cana-1299	137	18	age	age	NOUN
cana-1299	137	19	,	,	PUNCT
cana-1299	137	20	education	education	NOUN
cana-1299	137	21	,	,	PUNCT
cana-1299	137	22	and	and	CCONJ
cana-1299	137	23	annual	annual	ADJ
cana-1299	137	24	family	family	NOUN
cana-1299	137	25	income	income	NOUN
cana-1299	137	26	are	be	AUX
cana-1299	137	27	all	all	PRON
cana-1299	137	28	significant	significant	ADJ
cana-1299	137	29	predictors	predictor	NOUN
cana-1299	137	30	of	of	ADP
cana-1299	137	31	availability	availability	NOUN
cana-1299	137	32	of	of	ADP
cana-1299	137	33	digital	digital	ADJ
cana-1299	137	34	financial	financial	ADJ
cana-1299	137	35	services	service	NOUN
cana-1299	137	36	among	among	ADP
cana-1299	137	37	rural	rural	ADJ
cana-1299	137	38	consumers	consumer	NOUN
cana-1299	137	39	.	.	PUNCT
cana-1299	138	1	table-5	table-5	PRON
cana-1299	138	2	:	:	PUNCT
cana-1299	138	3	multiple	multiple	ADJ
cana-1299	138	4	regression	regression	NOUN
cana-1299	138	5	of	of	ADP
cana-1299	138	6	socio	socio	NOUN
cana-1299	138	7	-	-	ADJ
cana-1299	138	8	demographic	demographic	ADJ
cana-1299	138	9	factors	factor	NOUN
cana-1299	138	10	with	with	ADP
cana-1299	138	11	present	present	ADJ
cana-1299	138	12	use	use	NOUN
cana-1299	138	13	of	of	ADP
cana-1299	138	14	digital	digital	ADJ
cana-1299	138	15	transaction	transaction	NOUN
cana-1299	138	16	platforms	platform	NOUN
cana-1299	138	17	in	in	ADP
cana-1299	138	18	case	case	NOUN
cana-1299	138	19	of	of	ADP
cana-1299	138	20	rural	rural	ADJ
cana-1299	138	21	customers	customer	NOUN
cana-1299	138	22	.	.	PUNCT
cana-1299	139	1	unstandardized	unstandardized	ADJ
cana-1299	139	2	coefficients	coefficient	NOUN
cana-1299	139	3	standardized	standardize	VERB
cana-1299	139	4	coefficients	coefficient	NOUN
cana-1299	139	5	t	t	PROPN
cana-1299	139	6	sig	sig	PROPN
cana-1299	139	7	.	.	PUNCT
cana-1299	140	1	b	b	X
cana-1299	140	2	std	std	PROPN
cana-1299	140	3	.	.	NOUN
cana-1299	140	4	error	error	NOUN
cana-1299	140	5	beta	beta	NOUN
cana-1299	140	6	(	(	PUNCT
cana-1299	140	7	constant	constant	ADJ
cana-1299	140	8	)	)	PUNCT
cana-1299	140	9	0.016	0.016	NUM
cana-1299	140	10	0.006	0.006	NUM
cana-1299	140	11	2.724	2.724	NUM
cana-1299	140	12	0.007	0.007	NUM
cana-1299	140	13	age	age	NOUN
cana-1299	140	14	0.051	0.051	NUM
cana-1299	140	15	0.007	0.007	NUM
cana-1299	140	16	0.305	0.305	NUM
cana-1299	140	17	6.891	6.891	NUM
cana-1299	140	18	0.000	0.000	NUM
cana-1299	140	19	education	education	NOUN
cana-1299	140	20	2.051	2.051	NUM
cana-1299	140	21	0.028	0.028	NUM
cana-1299	140	22	0.116	0.116	NUM
cana-1299	140	23	72.576	72.576	NUM
cana-1299	140	24	0.000	0.000	NUM
cana-1299	140	25	annual	annual	ADJ
cana-1299	140	26	family	family	NOUN
cana-1299	140	27	income	income	NOUN
cana-1299	140	28	0.098	0.098	NUM
cana-1299	140	29	0.012	0.012	NUM
cana-1299	140	30	0.431	0.431	NUM
cana-1299	140	31	9.461	9.461	NUM
cana-1299	140	32	0.000	0.000	NUM
cana-1299	140	33	communications	communication	NOUN
cana-1299	140	34	on	on	ADP
cana-1299	140	35	applied	apply	VERB
cana-1299	140	36	nonlinear	nonlinear	ADJ
cana-1299	140	37	analysis	analysis	NOUN
cana-1299	140	38	issn	issn	NOUN
cana-1299	140	39	:	:	PUNCT
cana-1299	140	40	1074	1074	NUM
cana-1299	140	41	-	-	PUNCT
cana-1299	140	42	133x	133x	NUM
cana-1299	140	43	vol	vol	NOUN
cana-1299	140	44	31	31	NUM
cana-1299	140	45	no	no	NOUN
cana-1299	140	46	.	.	PUNCT
cana-1299	141	1	7s	7	NOUN
cana-1299	141	2	(	(	PUNCT
cana-1299	141	3	2024	2024	NUM
cana-1299	141	4	)	)	PUNCT
cana-1299	141	5	247	247	NUM
cana-1299	142	1	https://internationalpubls.com	https://internationalpubls.com	X
cana-1299	142	2	n.b	n.b	NOUN
cana-1299	142	3	:	:	PUNCT
cana-1299	142	4	r	r	NOUN
cana-1299	142	5	=	=	SYM
cana-1299	142	6	0.740	0.740	NUM
cana-1299	142	7	,	,	PUNCT
cana-1299	142	8	r2	r2	PROPN
cana-1299	142	9	=	=	NOUN
cana-1299	142	10	0.548	0.548	NUM
cana-1299	142	11	.	.	PUNCT
cana-1299	143	1	source	source	NOUN
cana-1299	143	2	:	:	PUNCT
cana-1299	143	3	researcher	researcher	NOUN
cana-1299	143	4	’s	’s	PART
cana-1299	143	5	survey	survey	NOUN
cana-1299	143	6	multiple	multiple	ADJ
cana-1299	143	7	regression	regression	NOUN
cana-1299	143	8	run	run	VERB
cana-1299	143	9	to	to	PART
cana-1299	143	10	analyse	analyse	VERB
cana-1299	143	11	socio	socio	NOUN
cana-1299	143	12	-	-	ADJ
cana-1299	143	13	demographic	demographic	ADJ
cana-1299	143	14	factors	factor	NOUN
cana-1299	143	15	with	with	ADP
cana-1299	143	16	the	the	DET
cana-1299	143	17	present	present	ADJ
cana-1299	143	18	usage	usage	NOUN
cana-1299	143	19	of	of	ADP
cana-1299	143	20	digital	digital	ADJ
cana-1299	143	21	transaction	transaction	NOUN
cana-1299	143	22	platforms	platform	NOUN
cana-1299	143	23	among	among	ADP
cana-1299	143	24	rural	rural	ADJ
cana-1299	143	25	customers	customer	NOUN
cana-1299	143	26	showed	show	VERB
cana-1299	143	27	up	up	ADP
cana-1299	143	28	with	with	ADP
cana-1299	143	29	the	the	DET
cana-1299	143	30	following	follow	VERB
cana-1299	143	31	regression	regression	NOUN
cana-1299	143	32	model	model	NOUN
cana-1299	143	33	:	:	PUNCT
cana-1299	143	34	present	present	ADJ
cana-1299	143	35	use=0.016	use=0.016	PROPN
cana-1299	143	36	+	+	ADJ
cana-1299	143	37	0.051×age+2.051×education+0.098×annual	0.051×age+2.051×education+0.098×annual	ADJ
cana-1299	143	38	family	family	NOUN
cana-1299	143	39	income	income	NOUN
cana-1299	143	40	the	the	DET
cana-1299	143	41	coefficients	coefficient	NOUN
cana-1299	143	42	for	for	ADP
cana-1299	143	43	age	age	NOUN
cana-1299	143	44	,	,	PUNCT
cana-1299	143	45	education	education	NOUN
cana-1299	143	46	and	and	CCONJ
cana-1299	143	47	annual	annual	ADJ
cana-1299	143	48	income	income	NOUN
cana-1299	143	49	at	at	ADP
cana-1299	143	50	0.051	0.051	NUM
cana-1299	143	51	,	,	PUNCT
cana-1299	143	52	2.051	2.051	NUM
cana-1299	143	53	and	and	CCONJ
cana-1299	143	54	0.098	0.098	NUM
cana-1299	143	55	,	,	PUNCT
cana-1299	143	56	respectively	respectively	ADV
cana-1299	143	57	,	,	PUNCT
cana-1299	143	58	indicates	indicate	VERB
cana-1299	143	59	that	that	SCONJ
cana-1299	143	60	the	the	DET
cana-1299	143	61	present	present	ADJ
cana-1299	143	62	use	use	NOUN
cana-1299	143	63	of	of	ADP
cana-1299	143	64	digital	digital	ADJ
cana-1299	143	65	financial	financial	ADJ
cana-1299	143	66	services	service	NOUN
cana-1299	143	67	increases	increase	NOUN
cana-1299	143	68	by	by	ADP
cana-1299	143	69	these	these	DET
cana-1299	143	70	many	many	ADJ
cana-1299	143	71	units	unit	NOUN
cana-1299	143	72	with	with	ADP
cana-1299	143	73	additional	additional	ADJ
cana-1299	143	74	year	year	NOUN
cana-1299	143	75	of	of	ADP
cana-1299	143	76	age	age	NOUN
cana-1299	143	77	,	,	PUNCT
cana-1299	143	78	additional	additional	ADJ
cana-1299	143	79	unit	unit	NOUN
cana-1299	143	80	of	of	ADP
cana-1299	143	81	education	education	NOUN
cana-1299	143	82	and	and	CCONJ
cana-1299	143	83	additional	additional	ADJ
cana-1299	143	84	unit	unit	NOUN
cana-1299	143	85	increase	increase	NOUN
cana-1299	143	86	in	in	ADP
cana-1299	143	87	annual	annual	ADJ
cana-1299	143	88	income	income	NOUN
cana-1299	143	89	respectively	respectively	ADV
cana-1299	143	90	.	.	PUNCT
cana-1299	144	1	the	the	DET
cana-1299	144	2	standardised	standardised	ADJ
cana-1299	144	3	coefficients	coefficient	NOUN
cana-1299	144	4	at	at	ADP
cana-1299	144	5	0.305	0.305	NUM
cana-1299	144	6	,	,	PUNCT
cana-1299	144	7	0.116	0.116	NUM
cana-1299	144	8	and	and	CCONJ
cana-1299	144	9	0.431	0.431	NUM
cana-1299	144	10	for	for	ADP
cana-1299	144	11	age	age	NOUN
cana-1299	144	12	,	,	PUNCT
cana-1299	144	13	education	education	NOUN
cana-1299	144	14	and	and	CCONJ
cana-1299	144	15	income	income	NOUN
cana-1299	144	16	respectively	respectively	ADV
cana-1299	144	17	indicates	indicate	VERB
cana-1299	144	18	age	age	NOUN
cana-1299	144	19	,	,	PUNCT
cana-1299	144	20	education	education	NOUN
cana-1299	144	21	,	,	PUNCT
cana-1299	144	22	and	and	CCONJ
cana-1299	144	23	annual	annual	ADJ
cana-1299	144	24	family	family	NOUN
cana-1299	144	25	income	income	NOUN
cana-1299	144	26	are	be	AUX
cana-1299	144	27	important	important	ADJ
cana-1299	144	28	factors	factor	NOUN
cana-1299	144	29	which	which	PRON
cana-1299	144	30	influence	influence	VERB
cana-1299	144	31	present	present	ADJ
cana-1299	144	32	usage	usage	NOUN
cana-1299	144	33	of	of	ADP
cana-1299	144	34	digital	digital	ADJ
cana-1299	144	35	financial	financial	ADJ
cana-1299	144	36	services	service	NOUN
cana-1299	144	37	.	.	PUNCT
cana-1299	145	1	the	the	DET
cana-1299	145	2	t	t	NOUN
cana-1299	145	3	-	-	PUNCT
cana-1299	145	4	values	value	NOUN
cana-1299	145	5	and	and	CCONJ
cana-1299	145	6	associated	associate	VERB
cana-1299	145	7	p	p	NOUN
cana-1299	145	8	-	-	PUNCT
cana-1299	145	9	values	value	NOUN
cana-1299	145	10	(	(	PUNCT
cana-1299	145	11	sig	sig	NOUN
cana-1299	145	12	.	.	PUNCT
cana-1299	145	13	)	)	PUNCT
cana-1299	145	14	are	be	AUX
cana-1299	145	15	all	all	PRON
cana-1299	145	16	statistically	statistically	ADV
cana-1299	145	17	significant	significant	ADJ
cana-1299	145	18	(	(	PUNCT
cana-1299	145	19	p	p	X
cana-1299	145	20	<	<	X
cana-1299	145	21	0.05	0.05	NUM
cana-1299	145	22	)	)	PUNCT
cana-1299	145	23	,	,	PUNCT
cana-1299	145	24	suggesting	suggest	VERB
cana-1299	145	25	that	that	SCONJ
cana-1299	145	26	age	age	NOUN
cana-1299	145	27	,	,	PUNCT
cana-1299	145	28	education	education	NOUN
cana-1299	145	29	,	,	PUNCT
cana-1299	145	30	and	and	CCONJ
cana-1299	145	31	annual	annual	ADJ
cana-1299	145	32	family	family	NOUN
cana-1299	145	33	income	income	NOUN
cana-1299	145	34	are	be	AUX
cana-1299	145	35	all	all	PRON
cana-1299	145	36	significant	significant	ADJ
cana-1299	145	37	predictors	predictor	NOUN
cana-1299	145	38	of	of	ADP
cana-1299	145	39	the	the	DET
cana-1299	145	40	present	present	ADJ
cana-1299	145	41	use	use	NOUN
cana-1299	145	42	of	of	ADP
cana-1299	145	43	digital	digital	ADJ
cana-1299	145	44	transaction	transaction	NOUN
cana-1299	145	45	platforms	platform	NOUN
cana-1299	145	46	among	among	ADP
cana-1299	145	47	urban	urban	ADJ
cana-1299	145	48	customers	customer	NOUN
cana-1299	145	49	.	.	PUNCT
cana-1299	146	1	table-6	table-6	ADV
cana-1299	146	2	:	:	PUNCT
cana-1299	146	3	multiple	multiple	ADJ
cana-1299	146	4	regression	regression	NOUN
cana-1299	146	5	of	of	ADP
cana-1299	146	6	socio	socio	NOUN
cana-1299	146	7	-	-	ADJ
cana-1299	146	8	demographic	demographic	ADJ
cana-1299	146	9	factors	factor	NOUN
cana-1299	146	10	with	with	ADP
cana-1299	146	11	frequency	frequency	NOUN
cana-1299	146	12	of	of	ADP
cana-1299	146	13	using	use	VERB
cana-1299	146	14	digital	digital	ADJ
cana-1299	146	15	transaction	transaction	NOUN
cana-1299	146	16	platforms	platform	NOUN
cana-1299	146	17	in	in	ADP
cana-1299	146	18	case	case	NOUN
cana-1299	146	19	of	of	ADP
cana-1299	146	20	rural	rural	ADJ
cana-1299	146	21	customers	customer	NOUN
cana-1299	146	22	.	.	PUNCT
cana-1299	147	1	unstandardized	unstandardized	ADJ
cana-1299	147	2	coefficients	coefficient	NOUN
cana-1299	147	3	standardized	standardize	VERB
cana-1299	147	4	coefficients	coefficient	NOUN
cana-1299	147	5	t	t	PROPN
cana-1299	147	6	sig	sig	PROPN
cana-1299	147	7	.	.	PUNCT
cana-1299	148	1	b	b	X
cana-1299	148	2	std	std	PROPN
cana-1299	148	3	.	.	NOUN
cana-1299	148	4	error	error	NOUN
cana-1299	148	5	beta	beta	NOUN
cana-1299	148	6	(	(	PUNCT
cana-1299	148	7	constant	constant	ADJ
cana-1299	148	8	)	)	PUNCT
cana-1299	148	9	0.111	0.111	NUM
cana-1299	148	10	0.036	0.036	NUM
cana-1299	148	11	3.103	3.103	NUM
cana-1299	148	12	0.002	0.002	NUM
cana-1299	148	13	age	age	NOUN
cana-1299	148	14	0.091	0.091	NUM
cana-1299	148	15	0.025	0.025	NUM
cana-1299	148	16	0.189	0.189	NUM
cana-1299	148	17	3.622	3.622	NUM
cana-1299	148	18	0.000	0.000	NUM
cana-1299	148	19	education	education	NOUN
cana-1299	148	20	1.462	1.462	NUM
cana-1299	148	21	0.097	0.097	NUM
cana-1299	148	22	0.166	0.166	NUM
cana-1299	148	23	15.108	15.108	NUM
cana-1299	148	24	0.000	0.000	NUM
cana-1299	148	25	annual	annual	ADJ
cana-1299	148	26	family	family	NOUN
cana-1299	148	27	income	income	NOUN
cana-1299	148	28	0.109	0.109	NUM
cana-1299	148	29	0.021	0.021	NUM
cana-1299	148	30	0.276	0.276	NUM
cana-1299	148	31	5.535	5.535	NUM
cana-1299	148	32	0.000	0.000	NUM
cana-1299	148	33	n.b	n.b	NOUN
cana-1299	148	34	:	:	PUNCT
cana-1299	148	35	r	r	NOUN
cana-1299	148	36	=	=	SYM
cana-1299	148	37	0.729	0.729	NUM
cana-1299	148	38	,	,	PUNCT
cana-1299	148	39	r2	r2	PROPN
cana-1299	148	40	=	=	NOUN
cana-1299	148	41	0.531	0.531	NUM
cana-1299	148	42	.	.	PUNCT
cana-1299	149	1	source	source	NOUN
cana-1299	149	2	:	:	PUNCT
cana-1299	149	3	researcher	researcher	NOUN
cana-1299	149	4	’s	’s	PART
cana-1299	149	5	survey	survey	NOUN
cana-1299	149	6	from	from	ADP
cana-1299	149	7	the	the	DET
cana-1299	149	8	above	above	ADJ
cana-1299	149	9	analysis	analysis	NOUN
cana-1299	149	10	of	of	ADP
cana-1299	149	11	socio	socio	NOUN
cana-1299	149	12	-	-	ADJ
cana-1299	149	13	demographic	demographic	ADJ
cana-1299	149	14	factors	factor	NOUN
cana-1299	149	15	with	with	ADP
cana-1299	149	16	the	the	DET
cana-1299	149	17	frequency	frequency	NOUN
cana-1299	149	18	of	of	ADP
cana-1299	149	19	using	use	VERB
cana-1299	149	20	digital	digital	ADJ
cana-1299	149	21	financial	financial	ADJ
cana-1299	149	22	services	service	NOUN
cana-1299	149	23	,	,	PUNCT
cana-1299	149	24	the	the	DET
cana-1299	149	25	regression	regression	NOUN
cana-1299	149	26	model	model	NOUN
cana-1299	149	27	is	be	AUX
cana-1299	149	28	as	as	SCONJ
cana-1299	149	29	follows	follow	VERB
cana-1299	149	30	:	:	PUNCT
cana-1299	149	31	frequency	frequency	NOUN
cana-1299	149	32	of	of	ADP
cana-1299	149	33	use=0.111	use=0.111	PROPN
cana-1299	149	34	+	+	PROPN
cana-1299	149	35	0.091×age+1.462×education+0.109×annual	0.091×age+1.462×education+0.109×annual	ADJ
cana-1299	149	36	family	family	NOUN
cana-1299	149	37	income	income	NOUN
cana-1299	149	38	the	the	DET
cana-1299	149	39	coefficients	coefficient	NOUN
cana-1299	149	40	for	for	ADP
cana-1299	149	41	age	age	NOUN
cana-1299	149	42	,	,	PUNCT
cana-1299	149	43	education	education	NOUN
cana-1299	149	44	and	and	CCONJ
cana-1299	149	45	annual	annual	ADJ
cana-1299	149	46	family	family	NOUN
cana-1299	149	47	income	income	NOUN
cana-1299	149	48	at	at	ADP
cana-1299	149	49	0.091	0.091	NUM
cana-1299	149	50	,	,	PUNCT
cana-1299	149	51	1.462	1.462	NUM
cana-1299	149	52	and	and	CCONJ
cana-1299	149	53	0.109	0.109	NUM
cana-1299	149	54	indicates	indicate	VERB
cana-1299	149	55	that	that	SCONJ
cana-1299	149	56	the	the	DET
cana-1299	149	57	frequency	frequency	NOUN
cana-1299	149	58	of	of	ADP
cana-1299	149	59	usage	usage	NOUN
cana-1299	149	60	increases	increase	NOUN
cana-1299	149	61	by	by	ADP
cana-1299	149	62	these	these	DET
cana-1299	149	63	levels	level	NOUN
cana-1299	149	64	with	with	ADP
cana-1299	149	65	additional	additional	ADJ
cana-1299	149	66	year	year	NOUN
cana-1299	149	67	of	of	ADP
cana-1299	149	68	age	age	NOUN
cana-1299	149	69	,	,	PUNCT
cana-1299	149	70	additional	additional	ADJ
cana-1299	149	71	unit	unit	NOUN
cana-1299	149	72	of	of	ADP
cana-1299	149	73	education	education	NOUN
cana-1299	149	74	and	and	CCONJ
cana-1299	149	75	additional	additional	ADJ
cana-1299	149	76	unit	unit	NOUN
cana-1299	149	77	increase	increase	NOUN
cana-1299	149	78	in	in	ADP
cana-1299	149	79	family	family	NOUN
cana-1299	149	80	income	income	NOUN
cana-1299	149	81	respectively	respectively	ADV
cana-1299	149	82	.	.	PUNCT
cana-1299	150	1	the	the	DET
cana-1299	150	2	standardised	standardised	ADJ
cana-1299	150	3	coefficients	coefficient	NOUN
cana-1299	150	4	at	at	ADP
cana-1299	150	5	0.189	0.189	NUM
cana-1299	150	6	,	,	PUNCT
cana-1299	150	7	0.166	0.166	NUM
cana-1299	150	8	and	and	CCONJ
cana-1299	150	9	0.276	0.276	NUM
cana-1299	150	10	for	for	ADP
cana-1299	150	11	age	age	NOUN
cana-1299	150	12	,	,	PUNCT
cana-1299	150	13	education	education	NOUN
cana-1299	150	14	and	and	CCONJ
cana-1299	150	15	income	income	NOUN
cana-1299	150	16	respectively	respectively	ADV
cana-1299	150	17	indicates	indicate	VERB
cana-1299	150	18	that	that	SCONJ
cana-1299	150	19	that	that	DET
cana-1299	150	20	age	age	NOUN
cana-1299	150	21	,	,	PUNCT
cana-1299	150	22	education	education	NOUN
cana-1299	150	23	,	,	PUNCT
cana-1299	150	24	and	and	CCONJ
cana-1299	150	25	annual	annual	ADJ
cana-1299	150	26	family	family	NOUN
cana-1299	150	27	income	income	NOUN
cana-1299	150	28	are	be	AUX
cana-1299	150	29	important	important	ADJ
cana-1299	150	30	socio	socio	NOUN
cana-1299	150	31	-	-	ADJ
cana-1299	150	32	demographic	demographic	ADJ
cana-1299	150	33	factors	factor	NOUN
cana-1299	150	34	predicting	predict	VERB
cana-1299	150	35	frequency	frequency	NOUN
cana-1299	150	36	of	of	ADP
cana-1299	150	37	use	use	NOUN
cana-1299	150	38	of	of	ADP
cana-1299	150	39	digital	digital	ADJ
cana-1299	150	40	transaction	transaction	NOUN
cana-1299	150	41	platforms	platform	NOUN
cana-1299	150	42	among	among	ADP
cana-1299	150	43	rural	rural	ADJ
cana-1299	150	44	customers	customer	NOUN
cana-1299	150	45	,	,	PUNCT
cana-1299	150	46	with	with	ADP
cana-1299	150	47	income	income	NOUN
cana-1299	150	48	having	have	VERB
cana-1299	150	49	the	the	DET
cana-1299	150	50	strongest	strong	ADJ
cana-1299	150	51	impact	impact	NOUN
cana-1299	150	52	,	,	PUNCT
cana-1299	150	53	followed	follow	VERB
cana-1299	150	54	by	by	ADP
cana-1299	150	55	age	age	NOUN
cana-1299	150	56	and	and	CCONJ
cana-1299	150	57	education	education	NOUN
cana-1299	150	58	.	.	PUNCT
cana-1299	151	1	the	the	DET
cana-1299	151	2	intercept	intercept	NOUN
cana-1299	151	3	and	and	CCONJ
cana-1299	151	4	all	all	DET
cana-1299	151	5	coefficients	coefficient	NOUN
cana-1299	151	6	are	be	AUX
cana-1299	151	7	statistically	statistically	ADV
cana-1299	151	8	significant	significant	ADJ
cana-1299	151	9	(	(	PUNCT
cana-1299	151	10	p	p	X
cana-1299	151	11	<	<	X
cana-1299	151	12	0.05	0.05	NUM
cana-1299	151	13	)	)	PUNCT
cana-1299	151	14	.	.	PUNCT
cana-1299	152	1	7	7	X
cana-1299	152	2	.	.	X
cana-1299	152	3	findings	finding	NOUN
cana-1299	152	4	:	:	PUNCT
cana-1299	152	5	the	the	DET
cana-1299	152	6	study	study	NOUN
cana-1299	152	7	considered	consider	VERB
cana-1299	152	8	six	six	NUM
cana-1299	152	9	socio	socio	NOUN
cana-1299	152	10	-	-	ADJ
cana-1299	152	11	demographic	demographic	ADJ
cana-1299	152	12	factors	factor	NOUN
cana-1299	152	13	and	and	CCONJ
cana-1299	152	14	it	it	PRON
cana-1299	152	15	emerged	emerge	VERB
cana-1299	152	16	that	that	SCONJ
cana-1299	152	17	:	:	PUNCT
cana-1299	152	18	communications	communication	NOUN
cana-1299	152	19	on	on	ADP
cana-1299	152	20	applied	apply	VERB
cana-1299	152	21	nonlinear	nonlinear	ADJ
cana-1299	152	22	analysis	analysis	NOUN
cana-1299	152	23	issn	issn	NOUN
cana-1299	152	24	:	:	PUNCT
cana-1299	152	25	1074	1074	NUM
cana-1299	152	26	-	-	PUNCT
cana-1299	152	27	133x	133x	NUM
cana-1299	152	28	vol	vol	NOUN
cana-1299	152	29	31	31	NUM
cana-1299	152	30	no	no	NOUN
cana-1299	152	31	.	.	PUNCT
cana-1299	153	1	7s	7	NOUN
cana-1299	153	2	(	(	PUNCT
cana-1299	153	3	2024	2024	NUM
cana-1299	153	4	)	)	PUNCT
cana-1299	153	5	248	248	NUM
cana-1299	153	6	https://internationalpubls.com	https://internationalpubls.com	X
cana-1299	153	7	(	(	PUNCT
cana-1299	153	8	i	i	NOUN
cana-1299	153	9	)	)	PUNCT
cana-1299	153	10	three	three	NUM
cana-1299	153	11	factors	factor	NOUN
cana-1299	153	12	viz	viz	NOUN
cana-1299	153	13	.	.	PUNCT
cana-1299	154	1	age	age	NOUN
cana-1299	154	2	,	,	PUNCT
cana-1299	154	3	education	education	NOUN
cana-1299	154	4	and	and	CCONJ
cana-1299	154	5	annual	annual	ADJ
cana-1299	154	6	family	family	NOUN
cana-1299	154	7	income	income	NOUN
cana-1299	154	8	emerged	emerge	VERB
cana-1299	154	9	to	to	PART
cana-1299	154	10	have	have	VERB
cana-1299	154	11	strong	strong	ADJ
cana-1299	154	12	positive	positive	ADJ
cana-1299	154	13	correlation	correlation	NOUN
cana-1299	154	14	with	with	ADP
cana-1299	154	15	all	all	DET
cana-1299	154	16	the	the	DET
cana-1299	154	17	aspects	aspect	NOUN
cana-1299	154	18	of	of	ADP
cana-1299	154	19	digital	digital	ADJ
cana-1299	154	20	financial	financial	ADJ
cana-1299	154	21	inclusion	inclusion	NOUN
cana-1299	154	22	i.e.	i.e.	X
cana-1299	154	23	awareness	awareness	NOUN
cana-1299	154	24	,	,	PUNCT
cana-1299	154	25	comfort	comfort	NOUN
cana-1299	154	26	,	,	PUNCT
cana-1299	154	27	availability	availability	NOUN
cana-1299	154	28	,	,	PUNCT
cana-1299	154	29	present	present	ADJ
cana-1299	154	30	use	use	NOUN
cana-1299	154	31	and	and	CCONJ
cana-1299	154	32	frequency	frequency	NOUN
cana-1299	154	33	of	of	ADP
cana-1299	154	34	use	use	NOUN
cana-1299	154	35	.	.	PUNCT
cana-1299	155	1	(	(	PUNCT
cana-1299	155	2	ii	ii	NOUN
cana-1299	155	3	)	)	PUNCT
cana-1299	155	4	gender	gender	NOUN
cana-1299	155	5	,	,	PUNCT
cana-1299	155	6	as	as	ADP
cana-1299	155	7	a	a	DET
cana-1299	155	8	factor	factor	NOUN
cana-1299	155	9	,	,	PUNCT
cana-1299	155	10	with	with	ADP
cana-1299	155	11	correlation	correlation	NOUN
cana-1299	155	12	coefficients	coefficient	NOUN
cana-1299	155	13	close	close	ADV
cana-1299	155	14	to	to	ADP
cana-1299	155	15	zero	zero	NUM
cana-1299	155	16	in	in	ADP
cana-1299	155	17	most	most	ADJ
cana-1299	155	18	of	of	ADP
cana-1299	155	19	the	the	DET
cana-1299	155	20	cases	case	NOUN
cana-1299	155	21	,	,	PUNCT
cana-1299	155	22	showed	show	VERB
cana-1299	155	23	weak	weak	ADJ
cana-1299	155	24	or	or	CCONJ
cana-1299	155	25	negligible	negligible	ADJ
cana-1299	155	26	correlation	correlation	NOUN
cana-1299	155	27	with	with	ADP
cana-1299	155	28	all	all	DET
cana-1299	155	29	the	the	DET
cana-1299	155	30	aspects	aspect	NOUN
cana-1299	155	31	of	of	ADP
cana-1299	155	32	digital	digital	ADJ
cana-1299	155	33	financial	financial	ADJ
cana-1299	155	34	services	service	NOUN
cana-1299	155	35	.	.	PUNCT
cana-1299	156	1	(	(	PUNCT
cana-1299	156	2	iii	iii	X
cana-1299	156	3	)	)	PUNCT
cana-1299	156	4	social	social	ADJ
cana-1299	156	5	stratification	stratification	NOUN
cana-1299	156	6	and	and	CCONJ
cana-1299	156	7	occupation	occupation	NOUN
cana-1299	156	8	showed	show	VERB
cana-1299	156	9	positive	positive	ADJ
cana-1299	156	10	corelations	corelation	NOUN
cana-1299	156	11	with	with	ADP
cana-1299	156	12	all	all	DET
cana-1299	156	13	the	the	DET
cana-1299	156	14	aspects	aspect	NOUN
cana-1299	156	15	of	of	ADP
cana-1299	156	16	digital	digital	ADJ
cana-1299	156	17	financial	financial	ADJ
cana-1299	156	18	services	service	NOUN
cana-1299	156	19	,	,	PUNCT
cana-1299	156	20	however	however	ADV
cana-1299	156	21	,	,	PUNCT
cana-1299	156	22	not	not	PART
cana-1299	156	23	as	as	ADV
cana-1299	156	24	strong	strong	ADJ
cana-1299	156	25	as	as	ADP
cana-1299	156	26	age	age	NOUN
cana-1299	156	27	,	,	PUNCT
cana-1299	156	28	education	education	NOUN
cana-1299	156	29	and	and	CCONJ
cana-1299	156	30	family	family	NOUN
cana-1299	156	31	income	income	NOUN
cana-1299	156	32	.	.	PUNCT
cana-1299	157	1	this	this	PRON
cana-1299	157	2	indicates	indicate	VERB
cana-1299	157	3	minor	minor	ADJ
cana-1299	157	4	relationships	relationship	NOUN
cana-1299	157	5	exist	exist	VERB
cana-1299	157	6	between	between	ADP
cana-1299	157	7	social	social	ADJ
cana-1299	157	8	strata	strata	NOUN
cana-1299	157	9	of	of	ADP
cana-1299	157	10	the	the	DET
cana-1299	157	11	user	user	NOUN
cana-1299	157	12	and	and	CCONJ
cana-1299	157	13	the	the	DET
cana-1299	157	14	occupation	occupation	NOUN
cana-1299	157	15	with	with	ADP
cana-1299	157	16	adoption	adoption	NOUN
cana-1299	157	17	of	of	ADP
cana-1299	157	18	digital	digital	ADJ
cana-1299	157	19	financial	financial	ADJ
cana-1299	157	20	services	service	NOUN
cana-1299	157	21	.	.	PUNCT
cana-1299	158	1	(	(	PUNCT
cana-1299	158	2	iv	iv	X
cana-1299	158	3	)	)	PUNCT
cana-1299	158	4	multiple	multiple	ADJ
cana-1299	158	5	regression	regression	NOUN
cana-1299	158	6	analyses	analysis	NOUN
cana-1299	158	7	further	far	ADV
cana-1299	158	8	revealed	reveal	VERB
cana-1299	158	9	the	the	DET
cana-1299	158	10	combined	combined	ADJ
cana-1299	158	11	effects	effect	NOUN
cana-1299	158	12	of	of	ADP
cana-1299	158	13	age	age	NOUN
cana-1299	158	14	,	,	PUNCT
cana-1299	158	15	education	education	NOUN
cana-1299	158	16	,	,	PUNCT
cana-1299	158	17	and	and	CCONJ
cana-1299	158	18	annual	annual	ADJ
cana-1299	158	19	family	family	NOUN
cana-1299	158	20	income	income	NOUN
cana-1299	158	21	on	on	ADP
cana-1299	158	22	various	various	ADJ
cana-1299	158	23	aspects	aspect	NOUN
cana-1299	158	24	of	of	ADP
cana-1299	158	25	digital	digital	ADJ
cana-1299	158	26	financial	financial	ADJ
cana-1299	158	27	inclusion	inclusion	NOUN
cana-1299	158	28	.	.	PUNCT
cana-1299	159	1	the	the	DET
cana-1299	159	2	regression	regression	NOUN
cana-1299	159	3	models	model	NOUN
cana-1299	159	4	underscore	underscore	VERB
cana-1299	159	5	the	the	DET
cana-1299	159	6	significant	significant	ADJ
cana-1299	159	7	predictive	predictive	ADJ
cana-1299	159	8	power	power	NOUN
cana-1299	159	9	of	of	ADP
cana-1299	159	10	these	these	DET
cana-1299	159	11	socio	socio	NOUN
cana-1299	159	12	-	-	ADJ
cana-1299	159	13	demographic	demographic	ADJ
cana-1299	159	14	factors	factor	NOUN
cana-1299	159	15	,	,	PUNCT
cana-1299	159	16	with	with	ADP
cana-1299	159	17	age	age	NOUN
cana-1299	159	18	,	,	PUNCT
cana-1299	159	19	education	education	NOUN
cana-1299	159	20	,	,	PUNCT
cana-1299	159	21	and	and	CCONJ
cana-1299	159	22	income	income	NOUN
cana-1299	159	23	emerging	emerge	VERB
cana-1299	159	24	as	as	ADP
cana-1299	159	25	strong	strong	ADJ
cana-1299	159	26	determinants	determinant	NOUN
cana-1299	159	27	across	across	ADP
cana-1299	159	28	all	all	DET
cana-1299	159	29	analysed	analyse	VERB
cana-1299	159	30	aspects	aspect	NOUN
cana-1299	159	31	.	.	PUNCT
cana-1299	160	1	(	(	PUNCT
cana-1299	160	2	v	v	NOUN
cana-1299	160	3	)	)	PUNCT
cana-1299	160	4	the	the	DET
cana-1299	160	5	multiple	multiple	ADJ
cana-1299	160	6	regression	regression	NOUN
cana-1299	160	7	analysis	analysis	NOUN
cana-1299	160	8	revealed	reveal	VERB
cana-1299	160	9	that	that	SCONJ
cana-1299	160	10	age	age	NOUN
cana-1299	160	11	,	,	PUNCT
cana-1299	160	12	education	education	NOUN
cana-1299	160	13	,	,	PUNCT
cana-1299	160	14	and	and	CCONJ
cana-1299	160	15	annual	annual	ADJ
cana-1299	160	16	family	family	NOUN
cana-1299	160	17	income	income	NOUN
cana-1299	160	18	are	be	AUX
cana-1299	160	19	important	important	ADJ
cana-1299	160	20	socio	socio	NOUN
cana-1299	160	21	-	-	ADJ
cana-1299	160	22	demographic	demographic	ADJ
cana-1299	160	23	factors	factor	NOUN
cana-1299	160	24	which	which	PRON
cana-1299	160	25	influence	influence	VERB
cana-1299	160	26	awareness	awareness	NOUN
cana-1299	160	27	of	of	ADP
cana-1299	160	28	digital	digital	ADJ
cana-1299	160	29	transaction	transaction	NOUN
cana-1299	160	30	platforms	platform	NOUN
cana-1299	160	31	among	among	ADP
cana-1299	160	32	rural	rural	ADJ
cana-1299	160	33	customers	customer	NOUN
cana-1299	160	34	,	,	PUNCT
cana-1299	160	35	with	with	ADP
cana-1299	160	36	age	age	NOUN
cana-1299	160	37	and	and	CCONJ
cana-1299	160	38	annual	annual	ADJ
cana-1299	160	39	family	family	NOUN
cana-1299	160	40	income	income	NOUN
cana-1299	160	41	showing	show	VERB
cana-1299	160	42	stronger	strong	ADJ
cana-1299	160	43	effects	effect	NOUN
cana-1299	160	44	in	in	ADP
cana-1299	160	45	comparison	comparison	NOUN
cana-1299	160	46	to	to	ADP
cana-1299	160	47	education	education	NOUN
cana-1299	160	48	.	.	PUNCT
cana-1299	161	1	(	(	PUNCT
cana-1299	161	2	vi	vi	X
cana-1299	161	3	)	)	PUNCT
cana-1299	161	4	with	with	ADP
cana-1299	161	5	regard	regard	NOUN
cana-1299	161	6	to	to	ADP
cana-1299	161	7	comfort	comfort	NOUN
cana-1299	161	8	or	or	CCONJ
cana-1299	161	9	ease	ease	NOUN
cana-1299	161	10	of	of	ADP
cana-1299	161	11	use	use	NOUN
cana-1299	161	12	of	of	ADP
cana-1299	161	13	digital	digital	ADJ
cana-1299	161	14	financial	financial	ADJ
cana-1299	161	15	services	service	NOUN
cana-1299	161	16	,	,	PUNCT
cana-1299	161	17	analysis	analysis	NOUN
cana-1299	161	18	suggests	suggest	VERB
cana-1299	161	19	that	that	SCONJ
cana-1299	161	20	all	all	DET
cana-1299	161	21	the	the	DET
cana-1299	161	22	three	three	NUM
cana-1299	161	23	factors	factor	NOUN
cana-1299	161	24	i.e.	i.e.	X
cana-1299	161	25	age	age	NOUN
cana-1299	161	26	,	,	PUNCT
cana-1299	161	27	education	education	NOUN
cana-1299	161	28	and	and	CCONJ
cana-1299	161	29	annual	annual	ADJ
cana-1299	161	30	family	family	NOUN
cana-1299	161	31	income	income	NOUN
cana-1299	161	32	positively	positively	ADV
cana-1299	161	33	influence	influence	VERB
cana-1299	161	34	ease	ease	NOUN
cana-1299	161	35	of	of	ADP
cana-1299	161	36	use	use	NOUN
cana-1299	161	37	of	of	ADP
cana-1299	161	38	on	on	ADP
cana-1299	161	39	digital	digital	ADJ
cana-1299	161	40	transaction	transaction	NOUN
cana-1299	161	41	platforms	platform	NOUN
cana-1299	161	42	,	,	PUNCT
cana-1299	161	43	while	while	SCONJ
cana-1299	161	44	the	the	DET
cana-1299	161	45	relationship	relationship	NOUN
cana-1299	161	46	with	with	ADP
cana-1299	161	47	education	education	NOUN
cana-1299	161	48	is	be	AUX
cana-1299	161	49	more	more	ADV
cana-1299	161	50	pronounced	pronounced	ADJ
cana-1299	161	51	compared	compare	VERB
cana-1299	161	52	to	to	ADP
cana-1299	161	53	annual	annual	ADJ
cana-1299	161	54	family	family	NOUN
cana-1299	161	55	income	income	NOUN
cana-1299	161	56	and	and	CCONJ
cana-1299	161	57	age	age	NOUN
cana-1299	161	58	.	.	PUNCT
cana-1299	162	1	(	(	PUNCT
cana-1299	162	2	vii	vii	PROPN
cana-1299	162	3	)	)	PUNCT
cana-1299	162	4	as	as	ADV
cana-1299	162	5	far	far	ADV
cana-1299	162	6	as	as	SCONJ
cana-1299	162	7	availability	availability	NOUN
cana-1299	162	8	of	of	ADP
cana-1299	162	9	digital	digital	ADJ
cana-1299	162	10	financial	financial	ADJ
cana-1299	162	11	services	service	NOUN
cana-1299	162	12	are	be	AUX
cana-1299	162	13	concerned	concern	VERB
cana-1299	162	14	,	,	PUNCT
cana-1299	162	15	all	all	DET
cana-1299	162	16	three	three	NUM
cana-1299	162	17	variables	variable	NOUN
cana-1299	162	18	emerged	emerge	VERB
cana-1299	162	19	strong	strong	ADJ
cana-1299	162	20	predictors	predictor	NOUN
cana-1299	162	21	of	of	ADP
cana-1299	162	22	the	the	DET
cana-1299	162	23	adoption	adoption	NOUN
cana-1299	162	24	of	of	ADP
cana-1299	162	25	digital	digital	ADJ
cana-1299	162	26	financial	financial	ADJ
cana-1299	162	27	services	service	NOUN
cana-1299	162	28	,	,	PUNCT
cana-1299	162	29	with	with	ADP
cana-1299	162	30	annual	annual	ADJ
cana-1299	162	31	income	income	NOUN
cana-1299	162	32	showing	show	VERB
cana-1299	162	33	the	the	DET
cana-1299	162	34	strongest	strong	ADJ
cana-1299	162	35	impact	impact	NOUN
cana-1299	162	36	,	,	PUNCT
cana-1299	162	37	followed	follow	VERB
cana-1299	162	38	by	by	ADP
cana-1299	162	39	education	education	NOUN
cana-1299	162	40	and	and	CCONJ
cana-1299	162	41	age	age	NOUN
cana-1299	162	42	.	.	PUNCT
cana-1299	163	1	(	(	PUNCT
cana-1299	163	2	viii	viii	NOUN
cana-1299	163	3	)	)	PUNCT
cana-1299	163	4	with	with	ADP
cana-1299	163	5	regard	regard	NOUN
cana-1299	163	6	to	to	ADP
cana-1299	163	7	present	present	ADJ
cana-1299	163	8	usage	usage	NOUN
cana-1299	163	9	and	and	CCONJ
cana-1299	163	10	frequency	frequency	NOUN
cana-1299	163	11	of	of	ADP
cana-1299	163	12	usage	usage	NOUN
cana-1299	163	13	,	,	PUNCT
cana-1299	163	14	the	the	DET
cana-1299	163	15	results	result	NOUN
cana-1299	163	16	indicate	indicate	VERB
cana-1299	163	17	that	that	SCONJ
cana-1299	163	18	annual	annual	ADJ
cana-1299	163	19	family	family	NOUN
cana-1299	163	20	income	income	NOUN
cana-1299	163	21	to	to	PART
cana-1299	163	22	be	be	AUX
cana-1299	163	23	the	the	DET
cana-1299	163	24	strongest	strong	ADJ
cana-1299	163	25	predictors	predictor	NOUN
cana-1299	163	26	of	of	ADP
cana-1299	163	27	the	the	DET
cana-1299	163	28	usage	usage	NOUN
cana-1299	163	29	.	.	PUNCT
cana-1299	164	1	this	this	PRON
cana-1299	164	2	suggests	suggest	VERB
cana-1299	164	3	that	that	SCONJ
cana-1299	164	4	a	a	DET
cana-1299	164	5	person	person	NOUN
cana-1299	164	6	’s	’s	PART
cana-1299	164	7	earning	earn	VERB
cana-1299	164	8	propels	propel	VERB
cana-1299	164	9	usage	usage	NOUN
cana-1299	164	10	of	of	ADP
cana-1299	164	11	digital	digital	ADJ
cana-1299	164	12	platforms	platform	NOUN
cana-1299	164	13	for	for	ADP
cana-1299	164	14	transactions	transaction	NOUN
cana-1299	164	15	.	.	PUNCT
cana-1299	165	1	education	education	NOUN
cana-1299	165	2	and	and	CCONJ
cana-1299	165	3	age	age	NOUN
cana-1299	165	4	also	also	ADV
cana-1299	165	5	found	find	VERB
cana-1299	165	6	to	to	PART
cana-1299	165	7	be	be	AUX
cana-1299	165	8	positively	positively	ADV
cana-1299	165	9	influencing	influence	VERB
cana-1299	165	10	the	the	DET
cana-1299	165	11	usage	usage	NOUN
cana-1299	165	12	,	,	PUNCT
cana-1299	165	13	however	however	ADV
cana-1299	165	14	not	not	PART
cana-1299	165	15	as	as	ADV
cana-1299	165	16	strong	strong	ADJ
cana-1299	165	17	as	as	ADP
cana-1299	165	18	income	income	NOUN
cana-1299	165	19	.	.	PUNCT
cana-1299	166	1	(	(	PUNCT
cana-1299	166	2	ix	ix	ADP
cana-1299	166	3	)	)	PUNCT
cana-1299	166	4	the	the	DET
cana-1299	166	5	intercept	intercept	NOUN
cana-1299	166	6	and	and	CCONJ
cana-1299	166	7	all	all	DET
cana-1299	166	8	coefficients	coefficient	NOUN
cana-1299	166	9	are	be	AUX
cana-1299	166	10	all	all	ADV
cana-1299	166	11	statistically	statistically	ADV
cana-1299	166	12	significant	significant	ADJ
cana-1299	166	13	(	(	PUNCT
cana-1299	166	14	p	p	X
cana-1299	166	15	<	<	X
cana-1299	166	16	0.05	0.05	NUM
cana-1299	166	17	)	)	PUNCT
cana-1299	166	18	for	for	ADP
cana-1299	166	19	all	all	DET
cana-1299	166	20	the	the	DET
cana-1299	166	21	aspects	aspect	NOUN
cana-1299	166	22	of	of	ADP
cana-1299	166	23	digital	digital	ADJ
cana-1299	166	24	financial	financial	ADJ
cana-1299	166	25	services	service	NOUN
cana-1299	166	26	,	,	PUNCT
cana-1299	166	27	suggesting	suggest	VERB
cana-1299	166	28	that	that	SCONJ
cana-1299	166	29	age	age	NOUN
cana-1299	166	30	,	,	PUNCT
cana-1299	166	31	education	education	NOUN
cana-1299	166	32	,	,	PUNCT
cana-1299	166	33	and	and	CCONJ
cana-1299	166	34	annual	annual	ADJ
cana-1299	166	35	family	family	NOUN
cana-1299	166	36	income	income	NOUN
cana-1299	166	37	are	be	AUX
cana-1299	166	38	all	all	PRON
cana-1299	166	39	significantly	significantly	ADV
cana-1299	166	40	associated	associate	VERB
cana-1299	166	41	with	with	ADP
cana-1299	166	42	all	all	DET
cana-1299	166	43	the	the	DET
cana-1299	166	44	aspects	aspect	NOUN
cana-1299	166	45	of	of	ADP
cana-1299	166	46	digital	digital	ADJ
cana-1299	166	47	financial	financial	ADJ
cana-1299	166	48	services	service	NOUN
cana-1299	166	49	among	among	ADP
cana-1299	166	50	rural	rural	ADJ
cana-1299	166	51	customers	customer	NOUN
cana-1299	166	52	.	.	PUNCT
cana-1299	167	1	8	8	X
cana-1299	167	2	.	.	X
cana-1299	167	3	conclusion	conclusion	NOUN
cana-1299	167	4	&	&	CCONJ
cana-1299	167	5	recommendations	recommendation	NOUN
cana-1299	167	6	:	:	PUNCT
cana-1299	167	7	the	the	DET
cana-1299	167	8	digital	digital	ADJ
cana-1299	167	9	financial	financial	ADJ
cana-1299	167	10	inclusion	inclusion	NOUN
cana-1299	167	11	is	be	AUX
cana-1299	167	12	the	the	DET
cana-1299	167	13	need	need	NOUN
cana-1299	167	14	of	of	ADP
cana-1299	167	15	the	the	DET
cana-1299	167	16	hour	hour	NOUN
cana-1299	167	17	considering	consider	VERB
cana-1299	167	18	it	it	PRON
cana-1299	167	19	’s	’	VERB
cana-1299	167	20	transformative	transformative	ADJ
cana-1299	167	21	impact	impact	NOUN
cana-1299	167	22	to	to	PART
cana-1299	167	23	bridge	bridge	VERB
cana-1299	167	24	the	the	DET
cana-1299	167	25	digital	digital	ADJ
cana-1299	167	26	divide	divide	NOUN
cana-1299	167	27	and	and	CCONJ
cana-1299	167	28	economic	economic	ADJ
cana-1299	167	29	upliftment	upliftment	NOUN
cana-1299	167	30	.	.	PUNCT
cana-1299	168	1	a	a	DET
cana-1299	168	2	country	country	NOUN
cana-1299	168	3	like	like	ADP
cana-1299	168	4	india	india	PROPN
cana-1299	168	5	,	,	PUNCT
cana-1299	168	6	still	still	ADV
cana-1299	168	7	reeling	reel	VERB
cana-1299	168	8	under	under	ADP
cana-1299	168	9	a	a	DET
cana-1299	168	10	substantial	substantial	ADJ
cana-1299	168	11	chunk	chunk	NOUN
cana-1299	168	12	of	of	ADP
cana-1299	168	13	people	people	NOUN
cana-1299	168	14	being	be	AUX
cana-1299	168	15	outside	outside	ADP
cana-1299	168	16	the	the	DET
cana-1299	168	17	formal	formal	ADJ
cana-1299	168	18	financial	financial	ADJ
cana-1299	168	19	services	service	NOUN
cana-1299	168	20	,	,	PUNCT
cana-1299	168	21	needs	need	VERB
cana-1299	168	22	to	to	PART
cana-1299	168	23	look	look	VERB
cana-1299	168	24	at	at	ADP
cana-1299	168	25	barriers	barrier	NOUN
cana-1299	168	26	that	that	PRON
cana-1299	168	27	hinder	hinder	VERB
cana-1299	168	28	the	the	DET
cana-1299	168	29	growth	growth	NOUN
cana-1299	168	30	of	of	ADP
cana-1299	168	31	digital	digital	ADJ
cana-1299	168	32	financial	financial	ADJ
cana-1299	168	33	services	service	NOUN
cana-1299	168	34	and	and	CCONJ
cana-1299	168	35	aim	aim	VERB
cana-1299	168	36	to	to	PART
cana-1299	168	37	remove	remove	VERB
cana-1299	168	38	them	they	PRON
cana-1299	168	39	effectively	effectively	ADV
cana-1299	168	40	.	.	PUNCT
cana-1299	169	1	this	this	DET
cana-1299	169	2	study	study	NOUN
cana-1299	169	3	,	,	PUNCT
cana-1299	169	4	carried	carry	VERB
cana-1299	169	5	out	out	ADP
cana-1299	169	6	in	in	ADP
cana-1299	169	7	the	the	DET
cana-1299	169	8	rural	rural	ADJ
cana-1299	169	9	areas	area	NOUN
cana-1299	169	10	of	of	ADP
cana-1299	169	11	odisha	odisha	PROPN
cana-1299	169	12	,	,	PUNCT
cana-1299	169	13	throwed	throw	VERB
cana-1299	169	14	up	up	ADP
cana-1299	169	15	some	some	DET
cana-1299	169	16	interesting	interesting	ADJ
cana-1299	169	17	facts	fact	NOUN
cana-1299	169	18	.	.	PUNCT
cana-1299	170	1	the	the	DET
cana-1299	170	2	study	study	NOUN
cana-1299	170	3	revealed	reveal	VERB
cana-1299	170	4	that	that	SCONJ
cana-1299	170	5	it	it	PRON
cana-1299	170	6	’s	’	VERB
cana-1299	170	7	the	the	DET
cana-1299	170	8	age	age	NOUN
cana-1299	170	9	,	,	PUNCT
cana-1299	170	10	education	education	NOUN
cana-1299	170	11	and	and	CCONJ
cana-1299	170	12	annual	annual	ADJ
cana-1299	170	13	family	family	NOUN
cana-1299	170	14	income	income	NOUN
cana-1299	170	15	which	which	PRON
cana-1299	170	16	drive	drive	VERB
cana-1299	170	17	a	a	DET
cana-1299	170	18	user	user	NOUN
cana-1299	170	19	’s	’s	PART
cana-1299	170	20	propensity	propensity	NOUN
cana-1299	170	21	to	to	PART
cana-1299	170	22	use	use	VERB
cana-1299	170	23	digital	digital	ADJ
cana-1299	170	24	financial	financial	ADJ
cana-1299	170	25	services	service	NOUN
cana-1299	170	26	.	.	PUNCT
cana-1299	171	1	it	it	PRON
cana-1299	171	2	’s	’	VERB
cana-1299	171	3	therefore	therefore	ADV
cana-1299	171	4	imperative	imperative	ADJ
cana-1299	171	5	that	that	SCONJ
cana-1299	171	6	in	in	ADP
cana-1299	171	7	order	order	NOUN
cana-1299	171	8	to	to	PART
cana-1299	171	9	achieve	achieve	VERB
cana-1299	171	10	the	the	DET
cana-1299	171	11	desirable	desirable	ADJ
cana-1299	171	12	digital	digital	ADJ
cana-1299	171	13	penetration	penetration	NOUN
cana-1299	171	14	,	,	PUNCT
cana-1299	171	15	government	government	NOUN
cana-1299	171	16	,	,	PUNCT
cana-1299	171	17	regulators	regulator	NOUN
cana-1299	171	18	and	and	CCONJ
cana-1299	171	19	financial	financial	ADJ
cana-1299	171	20	institutions	institution	NOUN
cana-1299	171	21	should	should	AUX
cana-1299	171	22	have	have	AUX
cana-1299	171	23	targeted	target	VERB
cana-1299	171	24	policies	policy	NOUN
cana-1299	171	25	aiming	aim	VERB
cana-1299	171	26	these	these	DET
cana-1299	171	27	factors	factor	NOUN
cana-1299	171	28	which	which	PRON
cana-1299	171	29	can	can	AUX
cana-1299	171	30	propel	propel	VERB
cana-1299	171	31	the	the	DET
cana-1299	171	32	digital	digital	ADJ
cana-1299	171	33	financial	financial	ADJ
cana-1299	171	34	inclusion	inclusion	NOUN
cana-1299	171	35	in	in	ADP
cana-1299	171	36	a	a	DET
cana-1299	171	37	faster	fast	ADJ
cana-1299	171	38	speed	speed	NOUN
cana-1299	171	39	.	.	PUNCT
cana-1299	172	1	at	at	ADP
cana-1299	172	2	the	the	DET
cana-1299	172	3	same	same	ADJ
cana-1299	172	4	time	time	NOUN
cana-1299	172	5	,	,	PUNCT
cana-1299	172	6	the	the	DET
cana-1299	172	7	study	study	NOUN
cana-1299	172	8	underscored	underscore	VERB
cana-1299	172	9	gender	gender	NOUN
cana-1299	172	10	being	be	AUX
cana-1299	172	11	a	a	DET
cana-1299	172	12	weak	weak	ADJ
cana-1299	172	13	parameter	parameter	NOUN
cana-1299	172	14	and	and	CCONJ
cana-1299	172	15	social	social	ADJ
cana-1299	172	16	strata	strata	NOUN
cana-1299	172	17	and	and	CCONJ
cana-1299	172	18	occupation	occupation	NOUN
cana-1299	172	19	being	be	AUX
cana-1299	172	20	relatively	relatively	ADV
cana-1299	172	21	weaker	weak	ADJ
cana-1299	172	22	than	than	ADP
cana-1299	172	23	age	age	NOUN
cana-1299	172	24	,	,	PUNCT
cana-1299	172	25	income	income	NOUN
cana-1299	172	26	and	and	CCONJ
cana-1299	172	27	education	education	NOUN
cana-1299	172	28	.	.	PUNCT
cana-1299	173	1	communications	communication	NOUN
cana-1299	173	2	on	on	ADP
cana-1299	173	3	applied	apply	VERB
cana-1299	173	4	nonlinear	nonlinear	ADJ
cana-1299	173	5	analysis	analysis	NOUN
cana-1299	173	6	issn	issn	NOUN
cana-1299	173	7	:	:	PUNCT
cana-1299	173	8	1074	1074	NUM
cana-1299	173	9	-	-	PUNCT
cana-1299	173	10	133x	133x	NUM
cana-1299	173	11	vol	vol	NOUN
cana-1299	173	12	31	31	NUM
cana-1299	173	13	no	no	NOUN
cana-1299	173	14	.	.	PUNCT
cana-1299	174	1	7s	7	NOUN
cana-1299	174	2	(	(	PUNCT
cana-1299	174	3	2024	2024	NUM
cana-1299	174	4	)	)	PUNCT
cana-1299	174	5	249	249	NUM
cana-1299	174	6	https://internationalpubls.com	https://internationalpubls.com	X
cana-1299	174	7	however	however	ADV
cana-1299	174	8	,	,	PUNCT
cana-1299	174	9	since	since	SCONJ
cana-1299	174	10	this	this	DET
cana-1299	174	11	study	study	NOUN
cana-1299	174	12	was	be	AUX
cana-1299	174	13	confined	confine	VERB
cana-1299	174	14	to	to	ADP
cana-1299	174	15	only	only	ADV
cana-1299	174	16	eight	eight	NUM
cana-1299	174	17	districts	district	NOUN
cana-1299	174	18	of	of	ADP
cana-1299	174	19	odisha	odisha	PROPN
cana-1299	174	20	,	,	PUNCT
cana-1299	174	21	further	further	ADJ
cana-1299	174	22	study	study	NOUN
cana-1299	174	23	is	be	AUX
cana-1299	174	24	recommended	recommend	VERB
cana-1299	174	25	for	for	ADP
cana-1299	174	26	pan	pan	PROPN
cana-1299	174	27	odisha	odisha	PROPN
cana-1299	174	28	and	and	CCONJ
cana-1299	174	29	also	also	ADV
cana-1299	174	30	at	at	ADP
cana-1299	174	31	the	the	DET
cana-1299	174	32	country	country	NOUN
cana-1299	174	33	level	level	NOUN
cana-1299	174	34	to	to	PART
cana-1299	174	35	further	far	ADV
cana-1299	174	36	substantiate	substantiate	VERB
cana-1299	174	37	the	the	DET
cana-1299	174	38	findings	finding	NOUN
cana-1299	174	39	and	and	CCONJ
cana-1299	174	40	tune	tune	NOUN
cana-1299	174	41	the	the	DET
cana-1299	174	42	governmental	governmental	ADJ
cana-1299	174	43	policies	policy	NOUN
cana-1299	174	44	accordingly	accordingly	ADV
cana-1299	174	45	.	.	PUNCT
cana-1299	175	1	references	reference	NOUN
cana-1299	175	2	:	:	PUNCT
cana-1299	176	1	[	[	X
cana-1299	176	2	1	1	NUM
cana-1299	176	3	]	]	X
cana-1299	176	4	ali	ali	PROPN
cana-1299	176	5	,	,	PUNCT
cana-1299	176	6	j.	j.	PROPN
cana-1299	176	7	,	,	PUNCT
cana-1299	176	8	ghildiyal	ghildiyal	NOUN
cana-1299	176	9	,	,	PUNCT
cana-1299	176	10	a.k	a.k	PROPN
cana-1299	176	11	.	.	PROPN
cana-1299	176	12	(	(	PUNCT
cana-1299	176	13	2023	2023	NUM
cana-1299	176	14	)	)	PUNCT
cana-1299	176	15	,	,	PUNCT
cana-1299	176	16	socio	socio	NOUN
cana-1299	176	17	-	-	PUNCT
cana-1299	176	18	economic	economic	ADJ
cana-1299	176	19	characteristics	characteristic	NOUN
cana-1299	176	20	,	,	PUNCT
cana-1299	176	21	mobile	mobile	ADJ
cana-1299	176	22	phone	phone	NOUN
cana-1299	176	23	ownership	ownership	NOUN
cana-1299	176	24	and	and	CCONJ
cana-1299	176	25	banking	banking	NOUN
cana-1299	176	26	behaviour	behaviour	NOUN
cana-1299	176	27	of	of	ADP
cana-1299	176	28	individuals	individual	NOUN
cana-1299	176	29	as	as	ADP
cana-1299	176	30	determinants	determinant	NOUN
cana-1299	176	31	of	of	ADP
cana-1299	176	32	digital	digital	ADJ
cana-1299	176	33	financial	financial	ADJ
cana-1299	176	34	inclusion	inclusion	NOUN
cana-1299	176	35	in	in	ADP
cana-1299	176	36	india	india	PROPN
cana-1299	176	37	,	,	PUNCT
cana-1299	176	38	international	international	ADJ
cana-1299	176	39	journal	journal	NOUN
cana-1299	176	40	of	of	ADP
cana-1299	176	41	social	social	ADJ
cana-1299	176	42	economics	economic	NOUN
cana-1299	176	43	,	,	PUNCT
cana-1299	176	44	2023	2023	NUM
cana-1299	176	45	.	.	PUNCT
cana-1299	177	1	[	[	X
cana-1299	177	2	2	2	NUM
cana-1299	177	3	]	]	PUNCT
cana-1299	177	4	lohana	lohana	PROPN
cana-1299	177	5	,	,	PUNCT
cana-1299	177	6	s.	s.	PROPN
cana-1299	177	7	,	,	PUNCT
cana-1299	177	8	&	&	CCONJ
cana-1299	177	9	roy	roy	PROPN
cana-1299	177	10	,	,	PUNCT
cana-1299	177	11	d.	d.	PROPN
cana-1299	177	12	(	(	PUNCT
cana-1299	177	13	2023	2023	NUM
cana-1299	177	14	)	)	PUNCT
cana-1299	177	15	.	.	PUNCT
cana-1299	178	1	impact	impact	NOUN
cana-1299	178	2	of	of	ADP
cana-1299	178	3	demographic	demographic	ADJ
cana-1299	178	4	factors	factor	NOUN
cana-1299	178	5	on	on	ADP
cana-1299	178	6	consumer	consumer	NOUN
cana-1299	178	7	’s	’s	PART
cana-1299	178	8	usage	usage	NOUN
cana-1299	178	9	of	of	ADP
cana-1299	178	10	digital	digital	ADJ
cana-1299	178	11	payments	payment	NOUN
cana-1299	178	12	.	.	PUNCT
cana-1299	179	1	fiib	fiib	PROPN
cana-1299	179	2	business	business	PROPN
cana-1299	179	3	review	review	PROPN
cana-1299	179	4	,	,	PUNCT
cana-1299	179	5	12(4	12(4	NUM
cana-1299	179	6	)	)	PUNCT
cana-1299	179	7	,	,	PUNCT
cana-1299	179	8	459	459	NUM
cana-1299	179	9	-	-	SYM
cana-1299	179	10	473	473	NUM
cana-1299	179	11	[	[	X
cana-1299	179	12	3	3	NUM
cana-1299	179	13	]	]	PUNCT
cana-1299	179	14	ozili	ozili	NOUN
cana-1299	179	15	,	,	PUNCT
cana-1299	179	16	p.	p.	PROPN
cana-1299	179	17	k.	k.	PROPN
cana-1299	180	1	(	(	PUNCT
cana-1299	180	2	2022	2022	NUM
cana-1299	180	3	)	)	PUNCT
cana-1299	180	4	,	,	PUNCT
cana-1299	180	5	research	research	NOUN
cana-1299	180	6	publication	publication	NOUN
cana-1299	180	7	on	on	ADP
cana-1299	180	8	“	"	PUNCT
cana-1299	180	9	digital	digital	ADJ
cana-1299	180	10	financial	financial	ADJ
cana-1299	180	11	inclusion	inclusion	NOUN
cana-1299	180	12	”	"	PUNCT
cana-1299	180	13	[	[	X
cana-1299	180	14	4	4	NUM
cana-1299	180	15	]	]	ADJ
cana-1299	180	16	ljumović	ljumović	NOUN
cana-1299	180	17	,	,	PUNCT
cana-1299	180	18	i.	i.	NOUN
cana-1299	180	19	,	,	PUNCT
cana-1299	180	20	jakšić	jakšić	PROPN
cana-1299	180	21	,	,	PUNCT
cana-1299	180	22	k.	k.	PROPN
cana-1299	180	23	,	,	PUNCT
cana-1299	180	24	trajković	trajković	PROPN
cana-1299	180	25	,	,	PUNCT
cana-1299	180	26	s.	s.	PROPN
cana-1299	180	27	(	(	PUNCT
cana-1299	180	28	2021	2021	NUM
cana-1299	180	29	)	)	PUNCT
cana-1299	180	30	,	,	PUNCT
cana-1299	180	31	socio	socio	NOUN
cana-1299	180	32	-	-	ADJ
cana-1299	180	33	demographic	demographic	ADJ
cana-1299	180	34	characteristics	characteristic	NOUN
cana-1299	180	35	of	of	ADP
cana-1299	180	36	digital	digital	ADJ
cana-1299	180	37	financial	financial	ADJ
cana-1299	180	38	services	service	NOUN
cana-1299	180	39	users	user	NOUN
cana-1299	180	40	:	:	PUNCT
cana-1299	180	41	evidence	evidence	NOUN
cana-1299	180	42	from	from	ADP
cana-1299	180	43	serbia	serbia	PROPN
cana-1299	180	44	,	,	PUNCT
cana-1299	180	45	economika	economika	X
cana-1299	181	1	[	[	X
cana-1299	181	2	5	5	NUM
cana-1299	181	3	]	]	X
cana-1299	181	4	kandari	kandari	NOUN
cana-1299	181	5	,	,	PUNCT
cana-1299	181	6	p.	p.	NOUN
cana-1299	181	7	,	,	PUNCT
cana-1299	181	8	bahuguna	bahuguna	PROPN
cana-1299	181	9	,	,	PUNCT
cana-1299	181	10	u.	u.	PROPN
cana-1299	181	11	,	,	PUNCT
cana-1299	181	12	salgotra	salgotra	PROPN
cana-1299	181	13	,	,	PUNCT
cana-1299	181	14	a.k	a.k	PROPN
cana-1299	181	15	.	.	PROPN
cana-1299	181	16	(	(	PUNCT
cana-1299	181	17	2021	2021	NUM
cana-1299	181	18	)	)	PUNCT
cana-1299	181	19	,	,	PUNCT
cana-1299	181	20	socio	socio	NOUN
cana-1299	181	21	-	-	PUNCT
cana-1299	181	22	economic	economic	ADJ
cana-1299	181	23	and	and	CCONJ
cana-1299	181	24	demographic	demographic	ADJ
cana-1299	181	25	determinants	determinant	NOUN
cana-1299	181	26	of	of	ADP
cana-1299	181	27	financial	financial	ADJ
cana-1299	181	28	inclusion	inclusion	NOUN
cana-1299	181	29	in	in	ADP
cana-1299	181	30	underdeveloped	underdeveloped	ADJ
cana-1299	181	31	regions	region	NOUN
cana-1299	181	32	:	:	PUNCT
cana-1299	181	33	a	a	DET
cana-1299	181	34	case	case	NOUN
cana-1299	181	35	study	study	NOUN
cana-1299	181	36	in	in	ADP
cana-1299	181	37	india	india	PROPN
cana-1299	181	38	,	,	PUNCT
cana-1299	181	39	journal	journal	NOUN
cana-1299	181	40	of	of	ADP
cana-1299	181	41	asian	asian	ADJ
cana-1299	181	42	finance	finance	NOUN
cana-1299	181	43	,	,	PUNCT
cana-1299	181	44	economics	economic	NOUN
cana-1299	181	45	and	and	CCONJ
cana-1299	181	46	business	business	NOUN
cana-1299	181	47	vol	vol	NOUN
cana-1299	181	48	8	8	NUM
cana-1299	181	49	no	no	DET
cana-1299	181	50	3	3	NUM
cana-1299	181	51	(	(	PUNCT
cana-1299	181	52	2021	2021	NUM
cana-1299	181	53	)	)	PUNCT
cana-1299	181	54	1045–1052	1045–1052	NUM
cana-1299	181	55	[	[	X
cana-1299	181	56	6	6	NUM
cana-1299	181	57	]	]	PUNCT
cana-1299	181	58	ozili	ozili	NOUN
cana-1299	181	59	,	,	PUNCT
cana-1299	181	60	p.	p.	PROPN
cana-1299	181	61	k.	k.	PROPN
cana-1299	181	62	(	(	PUNCT
cana-1299	181	63	2021	2021	NUM
cana-1299	181	64	)	)	PUNCT
cana-1299	181	65	.	.	PUNCT
cana-1299	182	1	digital	digital	PROPN
cana-1299	182	2	finance	finance	NOUN
cana-1299	182	3	,	,	PUNCT
cana-1299	182	4	green	green	ADJ
cana-1299	182	5	finance	finance	NOUN
cana-1299	182	6	and	and	CCONJ
cana-1299	182	7	social	social	ADJ
cana-1299	182	8	finance	finance	NOUN
cana-1299	182	9	:	:	PUNCT
cana-1299	182	10	is	be	AUX
cana-1299	182	11	there	there	PRON
cana-1299	182	12	a	a	DET
cana-1299	182	13	link	link	NOUN
cana-1299	182	14	?	?	PUNCT
cana-1299	183	1	financial	financial	ADJ
cana-1299	183	2	internet	internet	NOUN
cana-1299	183	3	quarterly	quarterly	ADV
cana-1299	183	4	,	,	PUNCT
cana-1299	183	5	17(1	17(1	NUM
cana-1299	183	6	)	)	PUNCT
cana-1299	183	7	,	,	PUNCT
cana-1299	183	8	1	1	NUM
cana-1299	183	9	-	-	SYM
cana-1299	183	10	7	7	NUM
cana-1299	183	11	.	.	PUNCT
cana-1299	184	1	[	[	X
cana-1299	184	2	7	7	X
cana-1299	184	3	]	]	X
cana-1299	184	4	the	the	DET
cana-1299	184	5	world	world	NOUN
cana-1299	184	6	bank(2021	bank(2021	NOUN
cana-1299	184	7	)	)	PUNCT
cana-1299	184	8	,	,	PUNCT
cana-1299	184	9	covid-19	covid-19	PROPN
cana-1299	184	10	drives	drive	VERB
cana-1299	184	11	global	global	ADJ
cana-1299	184	12	surge	surge	NOUN
cana-1299	184	13	in	in	ADP
cana-1299	184	14	use	use	NOUN
cana-1299	184	15	of	of	ADP
cana-1299	184	16	digital	digital	ADJ
cana-1299	184	17	payments	payment	NOUN
cana-1299	184	18	,	,	PUNCT
cana-1299	184	19	press	press	NOUN
cana-1299	184	20	release	release	NOUN
cana-1299	184	21	,	,	PUNCT
cana-1299	184	22	washington	washington	PROPN
cana-1299	185	1	[	[	X
cana-1299	185	2	8	8	NUM
cana-1299	185	3	]	]	PUNCT
cana-1299	185	4	ozili	ozili	NOUN
cana-1299	185	5	,	,	PUNCT
cana-1299	185	6	peterson	peterson	PROPN
cana-1299	185	7	k	k	PROPN
cana-1299	185	8	(	(	PUNCT
cana-1299	185	9	2018	2018	NUM
cana-1299	185	10	)	)	PUNCT
cana-1299	185	11	,	,	PUNCT
cana-1299	185	12	“	"	PUNCT
cana-1299	185	13	impact	impact	NOUN
cana-1299	185	14	of	of	ADP
cana-1299	185	15	digital	digital	ADJ
cana-1299	185	16	finance	finance	NOUN
cana-1299	185	17	on	on	ADP
cana-1299	185	18	financial	financial	ADJ
cana-1299	185	19	inclusion	inclusion	NOUN
cana-1299	185	20	and	and	CCONJ
cana-1299	185	21	stability	stability	NOUN
cana-1299	185	22	”	"	PUNCT
cana-1299	185	23	,	,	PUNCT
cana-1299	185	24	essex	essex	NOUN
cana-1299	185	25	business	business	NOUN
cana-1299	185	26	school	school	NOUN
cana-1299	186	1	[	[	X
cana-1299	186	2	9	9	NUM
cana-1299	186	3	]	]	SYM
cana-1299	186	4	vinitha	vinitha	NOUN
cana-1299	186	5	,	,	PUNCT
cana-1299	186	6	k.	k.	PROPN
cana-1299	186	7	and	and	CCONJ
cana-1299	186	8	vasantha	vasantha	NOUN
cana-1299	186	9	,	,	PUNCT
cana-1299	186	10	s.(2017	s.(2017	PROPN
cana-1299	186	11	)	)	PUNCT
cana-1299	186	12	,	,	PUNCT
cana-1299	186	13	factors	factor	NOUN
cana-1299	186	14	influencing	influence	VERB
cana-1299	186	15	consumer	consumer	NOUN
cana-1299	186	16	’s	’s	PART
cana-1299	186	17	intention	intention	NOUN
cana-1299	186	18	to	to	PART
cana-1299	186	19	adopt	adopt	VERB
cana-1299	186	20	digital	digital	ADJ
cana-1299	186	21	payment	payment	NOUN
cana-1299	186	22	conceptual	conceptual	ADJ
cana-1299	186	23	model	model	NOUN
cana-1299	186	24	’’	’'	PUNCT
cana-1299	186	25	,	,	PUNCT
cana-1299	186	26	indian	indian	ADJ
cana-1299	186	27	journal	journal	NOUN
cana-1299	186	28	of	of	ADP
cana-1299	186	29	public	public	ADJ
cana-1299	186	30	health	health	NOUN
cana-1299	186	31	research	research	NOUN
cana-1299	186	32	&	&	CCONJ
cana-1299	186	33	development	development	PROPN
cana-1299	186	34	[	[	X
cana-1299	186	35	10	10	NUM
cana-1299	186	36	]	]	X
cana-1299	186	37	dwivedi	dwivedi	PROPN
cana-1299	186	38	,	,	PUNCT
cana-1299	186	39	y.k	y.k	PROPN
cana-1299	186	40	.	.	PROPN
cana-1299	186	41	,	,	PUNCT
cana-1299	186	42	sahu	sahu	PROPN
cana-1299	186	43	,	,	PUNCT
cana-1299	186	44	g.p	g.p	PROPN
cana-1299	186	45	.	.	PROPN
cana-1299	186	46	,	,	PUNCT
cana-1299	186	47	rana	rana	PROPN
cana-1299	186	48	,	,	PUNCT
cana-1299	186	49	n.p	n.p	PROPN
cana-1299	186	50	.	.	PROPN
cana-1299	186	51	,	,	PUNCT
cana-1299	186	52	singh	singh	PROPN
cana-1299	186	53	,	,	PUNCT
cana-1299	186	54	m.	m.	NOUN
cana-1299	186	55	and	and	CCONJ
cana-1299	186	56	chandwani	chandwani	PROPN
cana-1299	186	57	,	,	PUNCT
cana-1299	186	58	r.k	r.k	PROPN
cana-1299	186	59	.	.	PROPN
cana-1299	186	60	(	(	PUNCT
cana-1299	186	61	2016	2016	NUM
cana-1299	186	62	)	)	PUNCT
cana-1299	186	63	,	,	PUNCT
cana-1299	186	64	"	"	PUNCT
cana-1299	186	65	common	common	ADJ
cana-1299	186	66	services	service	NOUN
cana-1299	186	67	centres	centre	NOUN
cana-1299	186	68	(	(	PUNCT
cana-1299	186	69	cscs	cscs	PROPN
cana-1299	186	70	)	)	PUNCT
cana-1299	186	71	as	as	ADP
cana-1299	186	72	an	an	DET
cana-1299	186	73	approach	approach	NOUN
cana-1299	186	74	to	to	PART
cana-1299	186	75	bridge	bridge	VERB
cana-1299	186	76	the	the	DET
cana-1299	186	77	digital	digital	ADJ
cana-1299	186	78	divide	divide	NOUN
cana-1299	186	79	:	:	PUNCT
cana-1299	186	80	reflecting	reflect	VERB
cana-1299	186	81	on	on	ADP
cana-1299	186	82	challenges	challenge	NOUN
cana-1299	186	83	and	and	CCONJ
cana-1299	186	84	obstacles	obstacle	NOUN
cana-1299	186	85	"	"	PUNCT
cana-1299	186	86	,	,	PUNCT
cana-1299	186	87	transforming	transform	VERB
cana-1299	186	88	government	government	NOUN
cana-1299	186	89	:	:	PUNCT
cana-1299	186	90	people	people	NOUN
cana-1299	186	91	,	,	PUNCT
cana-1299	186	92	process	process	NOUN
cana-1299	186	93	and	and	CCONJ
cana-1299	186	94	policy	policy	NOUN
cana-1299	186	95	,	,	PUNCT
cana-1299	186	96	vol	vol	NOUN
cana-1299	186	97	.	.	PROPN
cana-1299	186	98	10	10	NUM
cana-1299	186	99	no	no	NOUN
cana-1299	186	100	.	.	NOUN
cana-1299	187	1	4	4	NUM
cana-1299	187	2	,	,	PUNCT
cana-1299	187	3	pp	pp	ADJ
cana-1299	187	4	.	.	PUNCT
cana-1299	188	1	511	511	NUM
cana-1299	188	2	-	-	SYM
cana-1299	188	3	525	525	NUM
cana-1299	188	4	[	[	X
cana-1299	188	5	11	11	NUM
cana-1299	188	6	]	]	PUNCT
cana-1299	188	7	mohanty	mohanty	NOUN
cana-1299	188	8	,	,	PUNCT
cana-1299	188	9	d.(2015	d.(2015	PROPN
cana-1299	188	10	)	)	PUNCT
cana-1299	188	11	,	,	PUNCT
cana-1299	188	12	committee	committee	NOUN
cana-1299	188	13	on	on	ADP
cana-1299	188	14	medium	medium	ADJ
cana-1299	188	15	-	-	PUNCT
cana-1299	188	16	term	term	NOUN
cana-1299	188	17	path	path	NOUN
cana-1299	188	18	for	for	ADP
cana-1299	188	19	financial	financial	ADJ
cana-1299	188	20	inclusion	inclusion	NOUN
cana-1299	188	21	,	,	PUNCT
cana-1299	188	22	reserve	reserve	PROPN
cana-1299	188	23	bank	bank	PROPN
cana-1299	188	24	of	of	ADP
cana-1299	188	25	india	india	PROPN
cana-1299	188	26	[	[	X
cana-1299	188	27	12	12	NUM
cana-1299	188	28	]	]	X
cana-1299	188	29	dasgupta	dasgupta	PROPN
cana-1299	188	30	,	,	PUNCT
cana-1299	188	31	s.	s.	PROPN
cana-1299	188	32	,	,	PUNCT
cana-1299	188	33	paul	paul	PROPN
cana-1299	188	34	,	,	PUNCT
cana-1299	188	35	rik	rik	PROPN
cana-1299	188	36	and	and	CCONJ
cana-1299	188	37	fuloria	fuloria	PROPN
cana-1299	188	38	,	,	PUNCT
cana-1299	188	39	s.	s.	PROPN
cana-1299	188	40	(	(	PUNCT
cana-1299	188	41	2011	2011	NUM
cana-1299	188	42	)	)	PUNCT
cana-1299	188	43	,	,	PUNCT
cana-1299	188	44	“	"	PUNCT
cana-1299	188	45	factors	factor	NOUN
cana-1299	188	46	affecting	affect	VERB
cana-1299	188	47	behavioural	behavioural	ADJ
cana-1299	188	48	intentions	intention	NOUN
cana-1299	188	49	towards	towards	ADP
cana-1299	188	50	mobile	mobile	ADJ
cana-1299	188	51	banking	banking	NOUN
cana-1299	188	52	usage	usage	NOUN
cana-1299	188	53	:	:	PUNCT
cana-1299	188	54	empirical	empirical	ADJ
cana-1299	188	55	evidence	evidence	NOUN
cana-1299	188	56	from	from	ADP
cana-1299	188	57	india	india	PROPN
cana-1299	188	58	”	"	PUNCT
cana-1299	188	59	,	,	PUNCT
cana-1299	188	60	romanian	romanian	ADJ
cana-1299	188	61	journal	journal	NOUN
cana-1299	188	62	of	of	ADP
cana-1299	188	63	marketing	marketing	NOUN
cana-1299	188	64	.	.	PUNCT
cana-1299	189	1	https://www.emerald.com/insight/search?q=jabir%20ali	https://www.emerald.com/insight/search?q=jabir%20ali	VERB