id	sid	tid	token	lemma	pos
cana-998	1	1	communications	communication	NOUN
cana-998	1	2	on	on	ADP
cana-998	1	3	applied	apply	VERB
cana-998	1	4	nonlinear	nonlinear	ADJ
cana-998	1	5	analysis	analysis	NOUN
cana-998	1	6	issn	issn	NOUN
cana-998	1	7	:	:	PUNCT
cana-998	1	8	1074	1074	NUM
cana-998	1	9	-	-	PUNCT
cana-998	1	10	133x	133x	NUM
cana-998	1	11	vol	vol	NOUN
cana-998	1	12	31	31	NUM
cana-998	1	13	no	no	NOUN
cana-998	1	14	.	.	PUNCT
cana-998	2	1	5s	5s	NUM
cana-998	2	2	(	(	PUNCT
cana-998	2	3	2024	2024	NUM
cana-998	2	4	)	)	PUNCT
cana-998	2	5	39	39	NUM
cana-998	2	6	https://internationalpubls.com	https://internationalpubls.com	X
cana-998	2	7	unveiling	unveil	VERB
cana-998	2	8	the	the	DET
cana-998	2	9	patterns	pattern	NOUN
cana-998	2	10	of	of	ADP
cana-998	2	11	fintech	fintech	NOUN
cana-998	2	12	services	service	NOUN
cana-998	2	13	adoption	adoption	NOUN
cana-998	2	14	:	:	PUNCT
cana-998	2	15	a	a	DET
cana-998	2	16	study	study	NOUN
cana-998	2	17	in	in	ADP
cana-998	2	18	the	the	DET
cana-998	2	19	rural	rural	ADJ
cana-998	2	20	area	area	NOUN
cana-998	2	21	of	of	ADP
cana-998	2	22	tirupati	tirupati	PROPN
cana-998	2	23	t.	t.	PROPN
cana-998	2	24	deva	deva	PROPN
cana-998	2	25	prasad1	prasad1	PROPN
cana-998	2	26	,	,	PUNCT
cana-998	2	27	dr	dr	PROPN
cana-998	2	28	.	.	PROPN
cana-998	2	29	l.	l.	PROPN
cana-998	2	30	kuladeep	kuladeep	PROPN
cana-998	2	31	kumar2	kumar2	PROPN
cana-998	3	1	1research	1research	NUM
cana-998	3	2	scholar	scholar	NOUN
cana-998	3	3	,	,	PUNCT
cana-998	3	4	school	school	NOUN
cana-998	3	5	of	of	ADP
cana-998	3	6	commerce	commerce	NOUN
cana-998	3	7	and	and	CCONJ
cana-998	3	8	management	management	NOUN
cana-998	3	9	,	,	PUNCT
cana-998	3	10	mohan	mohan	PROPN
cana-998	3	11	babu	babu	PROPN
cana-998	3	12	university	university	PROPN
cana-998	3	13	,	,	PUNCT
cana-998	3	14	mr.tdevaprasad@gmail.com	mr.tdevaprasad@gmail.com	PROPN
cana-998	3	15	https://orcid.org/0009-0009-4850-1633	https://orcid.org/0009-0009-4850-1633	PROPN
cana-998	3	16	2associate	2associate	NUM
cana-998	3	17	professor	professor	NOUN
cana-998	3	18	,	,	PUNCT
cana-998	3	19	school	school	NOUN
cana-998	3	20	of	of	ADP
cana-998	3	21	commerce	commerce	NOUN
cana-998	3	22	and	and	CCONJ
cana-998	3	23	management	management	NOUN
cana-998	3	24	,	,	PUNCT
cana-998	3	25	mohan	mohan	PROPN
cana-998	3	26	babu	babu	PROPN
cana-998	3	27	university	university	PROPN
cana-998	3	28	article	article	NOUN
cana-998	3	29	history	history	NOUN
cana-998	3	30	:	:	PUNCT
cana-998	3	31	received	receive	VERB
cana-998	3	32	:	:	PUNCT
cana-998	3	33	29	29	NUM
cana-998	3	34	-	-	PUNCT
cana-998	3	35	04	04	NUM
cana-998	3	36	-	-	PUNCT
cana-998	3	37	2024	2024	NUM
cana-998	3	38	revised	revise	VERB
cana-998	3	39	:	:	PUNCT
cana-998	3	40	09	09	NUM
cana-998	3	41	-	-	SYM
cana-998	3	42	06	06	NUM
cana-998	3	43	-	-	PUNCT
cana-998	3	44	2024	2024	NUM
cana-998	3	45	accepted	accept	VERB
cana-998	3	46	:	:	PUNCT
cana-998	3	47	27	27	NUM
cana-998	3	48	-	-	SYM
cana-998	3	49	06	06	NUM
cana-998	3	50	-	-	PUNCT
cana-998	3	51	2024	2024	NUM
cana-998	3	52	abstract	abstract	NOUN
cana-998	3	53	:	:	PUNCT
cana-998	3	54	purpose	purpose	NOUN
cana-998	3	55	:	:	PUNCT
cana-998	3	56	the	the	DET
cana-998	3	57	research	research	NOUN
cana-998	3	58	aim	aim	NOUN
cana-998	3	59	is	be	AUX
cana-998	3	60	disruptive	disruptive	ADJ
cana-998	3	61	innovation	innovation	NOUN
cana-998	3	62	within	within	ADP
cana-998	3	63	financial	financial	ADJ
cana-998	3	64	technology	technology	NOUN
cana-998	3	65	(	(	PUNCT
cana-998	3	66	fintech	fintech	NOUN
cana-998	3	67	)	)	PUNCT
cana-998	3	68	,	,	PUNCT
cana-998	3	69	the	the	DET
cana-998	3	70	research	research	NOUN
cana-998	3	71	paper	paper	NOUN
cana-998	3	72	delves	delf	NOUN
cana-998	3	73	into	into	ADP
cana-998	3	74	its	its	PRON
cana-998	3	75	impact	impact	NOUN
cana-998	3	76	on	on	ADP
cana-998	3	77	various	various	ADJ
cana-998	3	78	financial	financial	ADJ
cana-998	3	79	services	service	NOUN
cana-998	3	80	such	such	ADJ
cana-998	3	81	as	as	ADP
cana-998	3	82	payments	payment	NOUN
cana-998	3	83	,	,	PUNCT
cana-998	3	84	investment	investment	NOUN
cana-998	3	85	,	,	PUNCT
cana-998	3	86	insurance	insurance	NOUN
cana-998	3	87	,	,	PUNCT
cana-998	3	88	and	and	CCONJ
cana-998	3	89	banking	banking	NOUN
cana-998	3	90	.	.	PUNCT
cana-998	4	1	the	the	DET
cana-998	4	2	study	study	NOUN
cana-998	4	3	aim	aim	NOUN
cana-998	4	4	is	be	AUX
cana-998	4	5	to	to	PART
cana-998	4	6	understand	understand	VERB
cana-998	4	7	the	the	DET
cana-998	4	8	current	current	ADJ
cana-998	4	9	landscape	landscape	NOUN
cana-998	4	10	of	of	ADP
cana-998	4	11	fintech	fintech	NOUN
cana-998	4	12	adoption	adoption	NOUN
cana-998	4	13	in	in	ADP
cana-998	4	14	india	india	PROPN
cana-998	4	15	and	and	CCONJ
cana-998	4	16	to	to	PART
cana-998	4	17	uncover	uncover	VERB
cana-998	4	18	the	the	DET
cana-998	4	19	perceptions	perception	NOUN
cana-998	4	20	held	hold	VERB
cana-998	4	21	by	by	ADP
cana-998	4	22	individuals	individual	NOUN
cana-998	4	23	towards	towards	ADP
cana-998	4	24	fintech	fintech	NOUN
cana-998	4	25	,	,	PUNCT
cana-998	4	26	ultimately	ultimately	ADV
cana-998	4	27	striving	strive	VERB
cana-998	4	28	to	to	PART
cana-998	4	29	enhance	enhance	VERB
cana-998	4	30	the	the	DET
cana-998	4	31	fintech	fintech	NOUN
cana-998	4	32	space	space	NOUN
cana-998	4	33	for	for	ADP
cana-998	4	34	future	future	ADJ
cana-998	4	35	improvements	improvement	NOUN
cana-998	4	36	.	.	PUNCT
cana-998	5	1	methodology	methodology	NOUN
cana-998	5	2	:	:	PUNCT
cana-998	5	3	the	the	DET
cana-998	5	4	research	research	NOUN
cana-998	5	5	,	,	PUNCT
cana-998	5	6	"	"	PUNCT
cana-998	5	7	unveiling	unveil	VERB
cana-998	5	8	the	the	DET
cana-998	5	9	patterns	pattern	NOUN
cana-998	5	10	of	of	ADP
cana-998	5	11	fintech	fintech	NOUN
cana-998	5	12	services	service	NOUN
cana-998	5	13	adoption	adoption	NOUN
cana-998	5	14	through	through	ADP
cana-998	5	15	questionnaire	questionnaire	NOUN
cana-998	5	16	surveys	survey	NOUN
cana-998	5	17	.	.	PUNCT
cana-998	6	1	the	the	DET
cana-998	6	2	research	research	NOUN
cana-998	6	3	paper	paper	NOUN
cana-998	6	4	engaged	engage	VERB
cana-998	6	5	with	with	ADP
cana-998	6	6	participants	participant	NOUN
cana-998	6	7	from	from	ADP
cana-998	6	8	rural	rural	ADJ
cana-998	6	9	areas	area	NOUN
cana-998	6	10	,	,	PUNCT
cana-998	6	11	particularly	particularly	ADV
cana-998	6	12	tirupati	tirupati	NOUN
cana-998	6	13	,	,	PUNCT
cana-998	6	14	to	to	PART
cana-998	6	15	empower	empower	VERB
cana-998	6	16	them	they	PRON
cana-998	6	17	in	in	ADP
cana-998	6	18	managing	manage	VERB
cana-998	6	19	financial	financial	ADJ
cana-998	6	20	services	service	NOUN
cana-998	6	21	effectively	effectively	ADV
cana-998	6	22	through	through	ADP
cana-998	6	23	fintech	fintech	NOUN
cana-998	6	24	solutions	solution	NOUN
cana-998	6	25	.	.	PUNCT
cana-998	7	1	over	over	ADP
cana-998	7	2	a	a	DET
cana-998	7	3	period	period	NOUN
cana-998	7	4	of	of	ADP
cana-998	7	5	six	six	NUM
cana-998	7	6	months	month	NOUN
cana-998	7	7	,	,	PUNCT
cana-998	7	8	the	the	DET
cana-998	7	9	individuals	individual	NOUN
cana-998	7	10	in	in	ADP
cana-998	7	11	tirupati	tirupati	NOUN
cana-998	7	12	and	and	CCONJ
cana-998	7	13	received	receive	VERB
cana-998	7	14	responses	response	NOUN
cana-998	7	15	from	from	ADP
cana-998	7	16	217	217	NUM
cana-998	7	17	participants	participant	NOUN
cana-998	7	18	.	.	PUNCT
cana-998	8	1	the	the	DET
cana-998	8	2	sampling	sample	VERB
cana-998	8	3	method	method	NOUN
cana-998	8	4	employed	employ	VERB
cana-998	8	5	was	be	AUX
cana-998	8	6	judgmental	judgmental	ADJ
cana-998	8	7	,	,	PUNCT
cana-998	8	8	focusing	focus	VERB
cana-998	8	9	on	on	ADP
cana-998	8	10	users	user	NOUN
cana-998	8	11	across	across	ADP
cana-998	8	12	various	various	ADJ
cana-998	8	13	fintech	fintech	NOUN
cana-998	8	14	platforms	platform	NOUN
cana-998	8	15	.	.	PUNCT
cana-998	9	1	the	the	DET
cana-998	9	2	data	data	NOUN
cana-998	9	3	collection	collection	NOUN
cana-998	9	4	utilized	utilize	VERB
cana-998	9	5	quantitative	quantitative	ADJ
cana-998	9	6	research	research	NOUN
cana-998	9	7	methods	method	NOUN
cana-998	9	8	,	,	PUNCT
cana-998	9	9	employing	employ	VERB
cana-998	9	10	tools	tool	NOUN
cana-998	9	11	such	such	ADJ
cana-998	9	12	as	as	ADP
cana-998	9	13	simple	simple	ADJ
cana-998	9	14	percentage	percentage	NOUN
cana-998	9	15	analysis	analysis	NOUN
cana-998	9	16	,	,	PUNCT
cana-998	9	17	chi	chi	NOUN
cana-998	9	18	-	-	PUNCT
cana-998	9	19	square	square	ADJ
cana-998	9	20	,	,	PUNCT
cana-998	9	21	t	t	NOUN
cana-998	9	22	-	-	PUNCT
cana-998	9	23	tests	test	NOUN
cana-998	9	24	,	,	PUNCT
cana-998	9	25	and	and	CCONJ
cana-998	9	26	anova	anova	PROPN
cana-998	9	27	.	.	PUNCT
cana-998	9	28	results	result	VERB
cana-998	9	29	:	:	PUNCT
cana-998	9	30	the	the	DET
cana-998	9	31	research	research	NOUN
cana-998	9	32	paper	paper	NOUN
cana-998	9	33	findings	finding	NOUN
cana-998	9	34	shed	shed	VERB
cana-998	9	35	light	light	NOUN
cana-998	9	36	on	on	ADP
cana-998	9	37	the	the	DET
cana-998	9	38	awareness	awareness	NOUN
cana-998	9	39	and	and	CCONJ
cana-998	9	40	adoption	adoption	NOUN
cana-998	9	41	levels	level	NOUN
cana-998	9	42	of	of	ADP
cana-998	9	43	various	various	ADJ
cana-998	9	44	fintech	fintech	NOUN
cana-998	9	45	products	product	NOUN
cana-998	9	46	among	among	ADP
cana-998	9	47	tirupati	tirupati	NOUN
cana-998	9	48	respondents	respondent	NOUN
cana-998	9	49	.	.	PUNCT
cana-998	10	1	it	it	PRON
cana-998	10	2	became	become	VERB
cana-998	10	3	evident	evident	ADJ
cana-998	10	4	that	that	SCONJ
cana-998	10	5	fintech	fintech	NOUN
cana-998	10	6	services	service	NOUN
cana-998	10	7	have	have	AUX
cana-998	10	8	been	be	AUX
cana-998	10	9	enabled	enable	VERB
cana-998	10	10	by	by	ADP
cana-998	10	11	technological	technological	ADJ
cana-998	10	12	infrastructure	infrastructure	NOUN
cana-998	10	13	,	,	PUNCT
cana-998	10	14	including	include	VERB
cana-998	10	15	internet	internet	NOUN
cana-998	10	16	connectivity	connectivity	NOUN
cana-998	10	17	and	and	CCONJ
cana-998	10	18	smartphone	smartphone	NOUN
cana-998	10	19	penetration	penetration	NOUN
cana-998	10	20	.	.	PUNCT
cana-998	11	1	furthermore	furthermore	ADV
cana-998	11	2	,	,	PUNCT
cana-998	11	3	the	the	DET
cana-998	11	4	adoption	adoption	NOUN
cana-998	11	5	of	of	ADP
cana-998	11	6	fintech	fintech	NOUN
cana-998	11	7	and	and	CCONJ
cana-998	11	8	financial	financial	ADJ
cana-998	11	9	inclusion	inclusion	NOUN
cana-998	11	10	initiatives	initiative	NOUN
cana-998	11	11	have	have	AUX
cana-998	11	12	been	be	AUX
cana-998	11	13	supported	support	VERB
cana-998	11	14	by	by	ADP
cana-998	11	15	favorable	favorable	ADJ
cana-998	11	16	government	government	NOUN
cana-998	11	17	policies	policy	NOUN
cana-998	11	18	and	and	CCONJ
cana-998	11	19	regulatory	regulatory	ADJ
cana-998	11	20	environments	environment	NOUN
cana-998	11	21	.	.	PUNCT
cana-998	12	1	through	through	ADP
cana-998	12	2	this	this	DET
cana-998	12	3	empirical	empirical	ADJ
cana-998	12	4	analysis	analysis	NOUN
cana-998	12	5	,	,	PUNCT
cana-998	12	6	we	we	PRON
cana-998	12	7	unearthed	unearth	VERB
cana-998	12	8	several	several	ADJ
cana-998	12	9	key	key	ADJ
cana-998	12	10	factors	factor	NOUN
cana-998	12	11	influencing	influence	VERB
cana-998	12	12	fintech	fintech	NOUN
cana-998	12	13	adoption	adoption	NOUN
cana-998	12	14	and	and	CCONJ
cana-998	12	15	perception	perception	NOUN
cana-998	12	16	among	among	ADP
cana-998	12	17	individuals	individual	NOUN
cana-998	12	18	.	.	PUNCT
cana-998	13	1	keywords	keyword	NOUN
cana-998	13	2	:	:	PUNCT
cana-998	13	3	fintech	fintech	NOUN
cana-998	13	4	services	service	NOUN
cana-998	13	5	,	,	PUNCT
cana-998	13	6	rural	rural	ADJ
cana-998	13	7	ares	are	NOUN
cana-998	13	8	,	,	PUNCT
cana-998	13	9	technology	technology	NOUN
cana-998	13	10	.	.	PUNCT
cana-998	14	1	1	1	X
cana-998	14	2	.	.	X
cana-998	14	3	introduction	introduction	NOUN
cana-998	14	4	:	:	PUNCT
cana-998	14	5	fintech	fintech	NOUN
cana-998	14	6	,	,	PUNCT
cana-998	14	7	a	a	DET
cana-998	14	8	blend	blend	NOUN
cana-998	14	9	of	of	ADP
cana-998	14	10	"	"	PUNCT
cana-998	14	11	finance	finance	NOUN
cana-998	14	12	"	"	PUNCT
cana-998	14	13	or	or	CCONJ
cana-998	14	14	"	"	PUNCT
cana-998	14	15	financial	financial	ADJ
cana-998	14	16	service	service	NOUN
cana-998	14	17	"	"	PUNCT
cana-998	14	18	and	and	CCONJ
cana-998	14	19	"	"	PUNCT
cana-998	14	20	technology	technology	NOUN
cana-998	14	21	,	,	PUNCT
cana-998	14	22	"	"	PUNCT
cana-998	14	23	lacks	lack	VERB
cana-998	14	24	a	a	DET
cana-998	14	25	single	single	ADJ
cana-998	14	26	,	,	PUNCT
cana-998	14	27	definitive	definitive	ADJ
cana-998	14	28	definition	definition	NOUN
cana-998	14	29	in	in	ADP
cana-998	14	30	economic	economic	ADJ
cana-998	14	31	and	and	CCONJ
cana-998	14	32	scientific	scientific	ADJ
cana-998	14	33	literature	literature	NOUN
cana-998	14	34	.	.	PUNCT
cana-998	15	1	nevertheless	nevertheless	ADV
cana-998	15	2	,	,	PUNCT
cana-998	15	3	its	its	PRON
cana-998	15	4	widespread	widespread	ADJ
cana-998	15	5	usage	usage	NOUN
cana-998	15	6	is	be	AUX
cana-998	15	7	evident	evident	ADJ
cana-998	15	8	,	,	PUNCT
cana-998	15	9	having	having	AUX
cana-998	15	10	secured	secure	VERB
cana-998	15	11	a	a	DET
cana-998	15	12	place	place	NOUN
cana-998	15	13	in	in	ADP
cana-998	15	14	numerous	numerous	ADJ
cana-998	15	15	dictionaries	dictionary	NOUN
cana-998	15	16	.	.	PUNCT
cana-998	16	1	for	for	ADP
cana-998	16	2	instance	instance	NOUN
cana-998	16	3	,	,	PUNCT
cana-998	16	4	the	the	DET
cana-998	16	5	cambridge	cambridge	PROPN
cana-998	16	6	dictionary	dictionary	PROPN
cana-998	16	7	broadly	broadly	ADV
cana-998	16	8	defines	define	VERB
cana-998	16	9	fintech	fintech	NOUN
cana-998	16	10	as	as	ADP
cana-998	16	11	"	"	PUNCT
cana-998	16	12	the	the	DET
cana-998	16	13	utilization	utilization	NOUN
cana-998	16	14	of	of	ADP
cana-998	16	15	technology	technology	NOUN
cana-998	16	16	to	to	PART
cana-998	16	17	enhance	enhance	VERB
cana-998	16	18	financial	financial	ADJ
cana-998	16	19	services	service	NOUN
cana-998	16	20	,	,	PUNCT
cana-998	16	21	"	"	PUNCT
cana-998	16	22	while	while	SCONJ
cana-998	16	23	the	the	DET
cana-998	16	24	oxford	oxford	PROPN
cana-998	16	25	dictionary	dictionary	PROPN
cana-998	16	26	specifies	specify	VERB
cana-998	16	27	it	it	PRON
cana-998	16	28	as	as	ADP
cana-998	16	29	"	"	PUNCT
cana-998	16	30	computer	computer	NOUN
cana-998	16	31	programs	program	NOUN
cana-998	16	32	and	and	CCONJ
cana-998	16	33	other	other	ADJ
cana-998	16	34	technological	technological	ADJ
cana-998	16	35	innovations	innovation	NOUN
cana-998	16	36	employed	employ	VERB
cana-998	16	37	in	in	ADP
cana-998	16	38	providing	provide	VERB
cana-998	16	39	banking	banking	NOUN
cana-998	16	40	and	and	CCONJ
cana-998	16	41	financial	financial	ADJ
cana-998	16	42	services	service	NOUN
cana-998	16	43	.	.	PUNCT
cana-998	16	44	"	"	PUNCT
cana-998	17	1	schueffel	schueffel	NOUN
cana-998	17	2	(	(	PUNCT
cana-998	17	3	2016	2016	NUM
cana-998	17	4	,	,	PUNCT
cana-998	17	5	p.	p.	NOUN
cana-998	17	6	32	32	NUM
cana-998	17	7	)	)	PUNCT
cana-998	17	8	characterizes	characterize	VERB
cana-998	17	9	fintech	fintech	NOUN
cana-998	17	10	as	as	ADP
cana-998	17	11	"	"	PUNCT
cana-998	17	12	a	a	DET
cana-998	17	13	burgeoning	burgeon	VERB
cana-998	17	14	financial	financial	ADJ
cana-998	17	15	sector	sector	NOUN
cana-998	17	16	leveraging	leverage	VERB
cana-998	17	17	technology	technology	NOUN
cana-998	17	18	to	to	PART
cana-998	17	19	enhance	enhance	VERB
cana-998	17	20	financial	financial	ADJ
cana-998	17	21	operations	operation	NOUN
cana-998	17	22	,	,	PUNCT
cana-998	17	23	"	"	PUNCT
cana-998	17	24	whereas	whereas	SCONJ
cana-998	17	25	nicoletti	nicoletti	NOUN
cana-998	17	26	(	(	PUNCT
cana-998	17	27	2017	2017	NUM
cana-998	17	28	,	,	PUNCT
cana-998	17	29	p.	p.	NOUN
cana-998	17	30	3	3	NUM
cana-998	17	31	)	)	PUNCT
cana-998	17	32	identifies	identify	VERB
cana-998	17	33	fintechs	fintech	NOUN
cana-998	17	34	as	as	ADP
cana-998	17	35	"	"	PUNCT
cana-998	17	36	entities	entity	NOUN
cana-998	17	37	,	,	PUNCT
cana-998	17	38	primarily	primarily	ADV
cana-998	17	39	startups	startup	NOUN
cana-998	17	40	,	,	PUNCT
cana-998	17	41	revolutionizing	revolutionize	VERB
cana-998	17	42	the	the	DET
cana-998	17	43	financial	financial	ADJ
cana-998	17	44	landscape	landscape	NOUN
cana-998	17	45	.	.	PUNCT
cana-998	17	46	"	"	PUNCT
cana-998	18	1	regardless	regardless	ADV
cana-998	18	2	of	of	ADP
cana-998	18	3	whether	whether	SCONJ
cana-998	18	4	fintech	fintech	NOUN
cana-998	18	5	is	be	AUX
cana-998	18	6	perceived	perceive	VERB
cana-998	18	7	as	as	ADP
cana-998	18	8	a	a	DET
cana-998	18	9	business	business	NOUN
cana-998	18	10	,	,	PUNCT
cana-998	18	11	a	a	DET
cana-998	18	12	software	software	NOUN
cana-998	18	13	application	application	NOUN
cana-998	18	14	,	,	PUNCT
cana-998	18	15	a	a	DET
cana-998	18	16	startup	startup	NOUN
cana-998	18	17	,	,	PUNCT
cana-998	18	18	or	or	CCONJ
cana-998	18	19	an	an	DET
cana-998	18	20	entire	entire	ADJ
cana-998	18	21	industry	industry	NOUN
cana-998	18	22	,	,	PUNCT
cana-998	18	23	these	these	DET
cana-998	18	24	definitions	definition	NOUN
cana-998	18	25	underscore	underscore	VERB
cana-998	18	26	its	its	PRON
cana-998	18	27	dynamic	dynamic	ADJ
cana-998	18	28	nature	nature	NOUN
cana-998	18	29	,	,	PUNCT
cana-998	18	30	highlighting	highlight	VERB
cana-998	18	31	how	how	SCONJ
cana-998	18	32	technology	technology	NOUN
cana-998	18	33	can	can	AUX
cana-998	18	34	catalyze	catalyze	VERB
cana-998	18	35	innovation	innovation	NOUN
cana-998	18	36	and	and	CCONJ
cana-998	18	37	communications	communication	NOUN
cana-998	18	38	on	on	ADP
cana-998	18	39	applied	apply	VERB
cana-998	18	40	nonlinear	nonlinear	ADJ
cana-998	18	41	analysis	analysis	NOUN
cana-998	18	42	issn	issn	NOUN
cana-998	18	43	:	:	PUNCT
cana-998	18	44	1074	1074	NUM
cana-998	18	45	-	-	PUNCT
cana-998	18	46	133x	133x	NUM
cana-998	18	47	vol	vol	NOUN
cana-998	18	48	31	31	NUM
cana-998	18	49	no	no	NOUN
cana-998	18	50	.	.	PUNCT
cana-998	19	1	5s	5s	NUM
cana-998	19	2	(	(	PUNCT
cana-998	19	3	2024	2024	NUM
cana-998	19	4	)	)	PUNCT
cana-998	19	5	40	40	NUM
cana-998	19	6	https://internationalpubls.com	https://internationalpubls.com	X
cana-998	19	7	improvement	improvement	NOUN
cana-998	19	8	within	within	ADP
cana-998	19	9	the	the	DET
cana-998	19	10	realm	realm	NOUN
cana-998	19	11	of	of	ADP
cana-998	19	12	finance	finance	NOUN
cana-998	19	13	.	.	PUNCT
cana-998	20	1	fintechnology	fintechnology	NOUN
cana-998	20	2	leverages	leverage	NOUN
cana-998	20	3	technology	technology	NOUN
cana-998	20	4	to	to	PART
cana-998	20	5	streamline	streamline	VERB
cana-998	20	6	financial	financial	ADJ
cana-998	20	7	services	service	NOUN
cana-998	20	8	,	,	PUNCT
cana-998	20	9	making	make	VERB
cana-998	20	10	them	they	PRON
cana-998	20	11	more	more	ADV
cana-998	20	12	efficient	efficient	ADJ
cana-998	20	13	and	and	CCONJ
cana-998	20	14	accessible	accessible	ADJ
cana-998	20	15	.	.	PUNCT
cana-998	21	1	it	it	PRON
cana-998	21	2	involves	involve	VERB
cana-998	21	3	the	the	DET
cana-998	21	4	integration	integration	NOUN
cana-998	21	5	of	of	ADP
cana-998	21	6	information	information	NOUN
cana-998	21	7	technology	technology	NOUN
cana-998	21	8	into	into	ADP
cana-998	21	9	finance	finance	NOUN
cana-998	21	10	,	,	PUNCT
cana-998	21	11	enabling	enable	VERB
cana-998	21	12	services	service	NOUN
cana-998	21	13	such	such	ADJ
cana-998	21	14	as	as	ADP
cana-998	21	15	mobile	mobile	ADJ
cana-998	21	16	banking	banking	NOUN
cana-998	21	17	,	,	PUNCT
cana-998	21	18	internet	internet	NOUN
cana-998	21	19	banking	banking	NOUN
cana-998	21	20	,	,	PUNCT
cana-998	21	21	instant	instant	ADJ
cana-998	21	22	payment	payment	NOUN
cana-998	21	23	applications	application	NOUN
cana-998	21	24	,	,	PUNCT
cana-998	21	25	plastic	plastic	NOUN
cana-998	21	26	money	money	NOUN
cana-998	21	27	,	,	PUNCT
cana-998	21	28	and	and	CCONJ
cana-998	21	29	cryptocurrency	cryptocurrency	NOUN
cana-998	21	30	,	,	PUNCT
cana-998	21	31	all	all	PRON
cana-998	21	32	geared	gear	VERB
cana-998	21	33	toward	toward	ADP
cana-998	21	34	enhancing	enhance	VERB
cana-998	21	35	financial	financial	ADJ
cana-998	21	36	accessibility	accessibility	NOUN
cana-998	21	37	for	for	ADP
cana-998	21	38	the	the	DET
cana-998	21	39	general	general	ADJ
cana-998	21	40	public	public	NOUN
cana-998	21	41	.	.	PUNCT
cana-998	22	1	in	in	ADP
cana-998	22	2	india	india	PROPN
cana-998	22	3	,	,	PUNCT
cana-998	22	4	fintech	fintech	NOUN
cana-998	22	5	innovations	innovation	NOUN
cana-998	22	6	are	be	AUX
cana-998	22	7	aligned	align	VERB
cana-998	22	8	with	with	ADP
cana-998	22	9	the	the	DET
cana-998	22	10	government	government	NOUN
cana-998	22	11	's	's	PART
cana-998	22	12	aim	aim	NOUN
cana-998	22	13	of	of	ADP
cana-998	22	14	financial	financial	ADJ
cana-998	22	15	inclusion	inclusion	NOUN
cana-998	22	16	,	,	PUNCT
cana-998	22	17	assisting	assist	VERB
cana-998	22	18	in	in	ADP
cana-998	22	19	reaching	reach	VERB
cana-998	22	20	underserved	underserved	ADJ
cana-998	22	21	populations	population	NOUN
cana-998	22	22	.	.	PUNCT
cana-998	23	1	traditional	traditional	ADJ
cana-998	23	2	banking	banking	NOUN
cana-998	23	3	methods	method	NOUN
cana-998	23	4	are	be	AUX
cana-998	23	5	being	be	AUX
cana-998	23	6	supplanted	supplant	VERB
cana-998	23	7	by	by	ADP
cana-998	23	8	innovative	innovative	ADJ
cana-998	23	9	approaches	approach	NOUN
cana-998	23	10	,	,	PUNCT
cana-998	23	11	offering	offer	VERB
cana-998	23	12	a	a	DET
cana-998	23	13	diverse	diverse	ADJ
cana-998	23	14	range	range	NOUN
cana-998	23	15	of	of	ADP
cana-998	23	16	services	service	NOUN
cana-998	23	17	including	include	VERB
cana-998	23	18	payments	payment	NOUN
cana-998	23	19	banking	banking	NOUN
cana-998	23	20	,	,	PUNCT
cana-998	23	21	wealth	wealth	NOUN
cana-998	23	22	management	management	NOUN
cana-998	23	23	,	,	PUNCT
cana-998	23	24	bill	bill	NOUN
cana-998	23	25	payments	payment	NOUN
cana-998	23	26	,	,	PUNCT
cana-998	23	27	crowdfunding	crowdfunding	NOUN
cana-998	23	28	,	,	PUNCT
cana-998	23	29	and	and	CCONJ
cana-998	23	30	insurance	insurance	NOUN
cana-998	23	31	.	.	PUNCT
cana-998	24	1	the	the	DET
cana-998	24	2	advent	advent	NOUN
cana-998	24	3	of	of	ADP
cana-998	24	4	fintech	fintech	NOUN
cana-998	24	5	has	have	AUX
cana-998	24	6	fundamentally	fundamentally	ADV
cana-998	24	7	altered	alter	VERB
cana-998	24	8	the	the	DET
cana-998	24	9	landscape	landscape	NOUN
cana-998	24	10	of	of	ADP
cana-998	24	11	banking	banking	NOUN
cana-998	24	12	services	service	NOUN
cana-998	24	13	,	,	PUNCT
cana-998	24	14	opening	open	VERB
cana-998	24	15	up	up	ADP
cana-998	24	16	new	new	ADJ
cana-998	24	17	avenues	avenue	NOUN
cana-998	24	18	for	for	ADP
cana-998	24	19	growth	growth	NOUN
cana-998	24	20	and	and	CCONJ
cana-998	24	21	development	development	NOUN
cana-998	24	22	.	.	PUNCT
cana-998	25	1	the	the	DET
cana-998	25	2	indian	indian	ADJ
cana-998	25	3	government	government	NOUN
cana-998	25	4	's	's	PART
cana-998	25	5	support	support	NOUN
cana-998	25	6	for	for	ADP
cana-998	25	7	fintech	fintech	NOUN
cana-998	25	8	ventures	venture	NOUN
cana-998	25	9	through	through	ADP
cana-998	25	10	initiatives	initiative	NOUN
cana-998	25	11	like	like	ADP
cana-998	25	12	jan	jan	PROPN
cana-998	25	13	dhan	dhan	PROPN
cana-998	25	14	yojana	yojana	PROPN
cana-998	25	15	,	,	PUNCT
cana-998	25	16	india	india	PROPN
cana-998	25	17	stack	stack	NOUN
cana-998	25	18	,	,	PUNCT
cana-998	25	19	and	and	CCONJ
cana-998	25	20	upi	upi	PROPN
cana-998	25	21	underscores	underscore	VERB
cana-998	25	22	its	its	PRON
cana-998	25	23	commitment	commitment	NOUN
cana-998	25	24	to	to	ADP
cana-998	25	25	fostering	foster	VERB
cana-998	25	26	innovation	innovation	NOUN
cana-998	25	27	and	and	CCONJ
cana-998	25	28	inclusivity	inclusivity	NOUN
cana-998	25	29	in	in	ADP
cana-998	25	30	the	the	DET
cana-998	25	31	financial	financial	ADJ
cana-998	25	32	sector	sector	NOUN
cana-998	25	33	.	.	PUNCT
cana-998	26	1	the	the	DET
cana-998	26	2	digital	digital	ADJ
cana-998	26	3	shift	shift	NOUN
cana-998	26	4	in	in	ADP
cana-998	26	5	banking	banking	NOUN
cana-998	26	6	is	be	AUX
cana-998	26	7	anticipated	anticipate	VERB
cana-998	26	8	to	to	PART
cana-998	26	9	experience	experience	VERB
cana-998	26	10	exponential	exponential	ADJ
cana-998	26	11	growth	growth	NOUN
cana-998	26	12	,	,	PUNCT
cana-998	26	13	driven	drive	VERB
cana-998	26	14	by	by	ADP
cana-998	26	15	collaborative	collaborative	ADJ
cana-998	26	16	efforts	effort	NOUN
cana-998	26	17	between	between	ADP
cana-998	26	18	fintech	fintech	NOUN
cana-998	26	19	service	service	NOUN
cana-998	26	20	providers	provider	NOUN
cana-998	26	21	and	and	CCONJ
cana-998	26	22	government	government	NOUN
cana-998	26	23	initiatives	initiative	NOUN
cana-998	26	24	.	.	PUNCT
cana-998	27	1	this	this	DET
cana-998	27	2	partnership	partnership	NOUN
cana-998	27	3	holds	hold	VERB
cana-998	27	4	significant	significant	ADJ
cana-998	27	5	potential	potential	NOUN
cana-998	27	6	for	for	ADP
cana-998	27	7	driving	drive	VERB
cana-998	27	8	further	further	ADJ
cana-998	27	9	advancements	advancement	NOUN
cana-998	27	10	and	and	CCONJ
cana-998	27	11	enhancing	enhance	VERB
cana-998	27	12	financial	financial	ADJ
cana-998	27	13	accessibility	accessibility	NOUN
cana-998	27	14	for	for	ADP
cana-998	27	15	all	all	PRON
cana-998	27	16	.	.	PUNCT
cana-998	28	1	according	accord	VERB
cana-998	28	2	to	to	ADP
cana-998	28	3	leong	leong	PROPN
cana-998	28	4	(	(	PUNCT
cana-998	28	5	2018	2018	NUM
cana-998	28	6	)	)	PUNCT
cana-998	28	7	,	,	PUNCT
cana-998	28	8	fintech	fintech	NOUN
cana-998	28	9	is	be	AUX
cana-998	28	10	a	a	DET
cana-998	28	11	multidisciplinary	multidisciplinary	ADJ
cana-998	28	12	field	field	NOUN
cana-998	28	13	that	that	PRON
cana-998	28	14	merges	merge	VERB
cana-998	28	15	finance	finance	NOUN
cana-998	28	16	,	,	PUNCT
cana-998	28	17	technology	technology	NOUN
cana-998	28	18	management	management	NOUN
cana-998	28	19	,	,	PUNCT
cana-998	28	20	and	and	CCONJ
cana-998	28	21	innovation	innovation	NOUN
cana-998	28	22	management	management	NOUN
cana-998	28	23	.	.	PUNCT
cana-998	29	1	to	to	PART
cana-998	29	2	understand	understand	VERB
cana-998	29	3	how	how	SCONJ
cana-998	29	4	fintech	fintech	NOUN
cana-998	29	5	adds	add	VERB
cana-998	29	6	value	value	NOUN
cana-998	29	7	to	to	ADP
cana-998	29	8	businesses	business	NOUN
cana-998	29	9	,	,	PUNCT
cana-998	29	10	we	we	PRON
cana-998	29	11	can	can	AUX
cana-998	29	12	categorize	categorize	VERB
cana-998	29	13	various	various	ADJ
cana-998	29	14	fintech	fintech	NOUN
cana-998	29	15	applications	application	NOUN
cana-998	29	16	into	into	ADP
cana-998	29	17	four	four	NUM
cana-998	29	18	main	main	ADJ
cana-998	29	19	areas	area	NOUN
cana-998	29	20	:	:	PUNCT
cana-998	29	21	payment	payment	NOUN
cana-998	29	22	systems	system	NOUN
cana-998	29	23	,	,	PUNCT
cana-998	29	24	advisory	advisory	ADJ
cana-998	29	25	services	service	NOUN
cana-998	29	26	,	,	PUNCT
cana-998	29	27	financing	financing	NOUN
cana-998	29	28	solutions	solution	NOUN
cana-998	29	29	,	,	PUNCT
cana-998	29	30	and	and	CCONJ
cana-998	29	31	compliance	compliance	NOUN
cana-998	29	32	tools	tool	NOUN
cana-998	29	33	.	.	PUNCT
cana-998	30	1	in	in	ADP
cana-998	30	2	essence	essence	NOUN
cana-998	30	3	,	,	PUNCT
cana-998	30	4	fintech	fintech	NOUN
cana-998	30	5	encompasses	encompass	VERB
cana-998	30	6	innovative	innovative	ADJ
cana-998	30	7	solutions	solution	NOUN
cana-998	30	8	that	that	PRON
cana-998	30	9	enhance	enhance	VERB
cana-998	30	10	financial	financial	ADJ
cana-998	30	11	service	service	NOUN
cana-998	30	12	processes	process	NOUN
cana-998	30	13	by	by	ADP
cana-998	30	14	tailoring	tailor	VERB
cana-998	30	15	technology	technology	NOUN
cana-998	30	16	to	to	ADP
cana-998	30	17	different	different	ADJ
cana-998	30	18	business	business	NOUN
cana-998	30	19	needs	need	NOUN
cana-998	30	20	,	,	PUNCT
cana-998	30	21	potentially	potentially	ADV
cana-998	30	22	leading	lead	VERB
cana-998	30	23	to	to	ADP
cana-998	30	24	the	the	DET
cana-998	30	25	creation	creation	NOUN
cana-998	30	26	of	of	ADP
cana-998	30	27	new	new	ADJ
cana-998	30	28	business	business	NOUN
cana-998	30	29	models	model	NOUN
cana-998	30	30	or	or	CCONJ
cana-998	30	31	ventures	venture	NOUN
cana-998	30	32	.	.	PUNCT
cana-998	31	1	blockchain	blockchain	PROPN
cana-998	31	2	technology	technology	PROPN
cana-998	31	3	has	have	AUX
cana-998	31	4	been	be	AUX
cana-998	31	5	extensively	extensively	ADV
cana-998	31	6	researched	research	VERB
cana-998	31	7	as	as	ADP
cana-998	31	8	a	a	DET
cana-998	31	9	subset	subset	NOUN
cana-998	31	10	of	of	ADP
cana-998	31	11	payment	payment	NOUN
cana-998	31	12	systems	system	NOUN
cana-998	31	13	,	,	PUNCT
cana-998	31	14	with	with	ADP
cana-998	31	15	numerous	numerous	ADJ
cana-998	31	16	techniques	technique	NOUN
cana-998	31	17	and	and	CCONJ
cana-998	31	18	applications	application	NOUN
cana-998	31	19	proposed	propose	VERB
cana-998	31	20	by	by	ADP
cana-998	31	21	various	various	ADJ
cana-998	31	22	scholars	scholar	NOUN
cana-998	31	23	.	.	PUNCT
cana-998	32	1	fintech	fintech	NOUN
cana-998	32	2	has	have	AUX
cana-998	32	3	facilitated	facilitate	VERB
cana-998	32	4	the	the	DET
cana-998	32	5	disruption	disruption	NOUN
cana-998	32	6	of	of	ADP
cana-998	32	7	financial	financial	ADJ
cana-998	32	8	services	service	NOUN
cana-998	32	9	by	by	ADP
cana-998	32	10	nonfinancial	nonfinancial	ADJ
cana-998	32	11	enterprises	enterprise	NOUN
cana-998	32	12	,	,	PUNCT
cana-998	32	13	leading	lead	VERB
cana-998	32	14	to	to	ADP
cana-998	32	15	innovation	innovation	NOUN
cana-998	32	16	and	and	CCONJ
cana-998	32	17	technological	technological	ADJ
cana-998	32	18	advancements	advancement	NOUN
cana-998	32	19	.	.	PUNCT
cana-998	33	1	this	this	PRON
cana-998	33	2	has	have	AUX
cana-998	33	3	enabled	enable	VERB
cana-998	33	4	customers	customer	NOUN
cana-998	33	5	to	to	PART
cana-998	33	6	engage	engage	VERB
cana-998	33	7	in	in	ADP
cana-998	33	8	a	a	DET
cana-998	33	9	wide	wide	ADJ
cana-998	33	10	range	range	NOUN
cana-998	33	11	of	of	ADP
cana-998	33	12	mobile	mobile	ADJ
cana-998	33	13	services	service	NOUN
cana-998	33	14	,	,	PUNCT
cana-998	33	15	including	include	VERB
cana-998	33	16	online	online	ADJ
cana-998	33	17	payments	payment	NOUN
cana-998	33	18	,	,	PUNCT
cana-998	33	19	fund	fund	NOUN
cana-998	33	20	transfers	transfer	NOUN
cana-998	33	21	,	,	PUNCT
cana-998	33	22	loan	loan	NOUN
cana-998	33	23	applications	application	NOUN
cana-998	33	24	,	,	PUNCT
cana-998	33	25	insurance	insurance	NOUN
cana-998	33	26	purchases	purchase	NOUN
cana-998	33	27	,	,	PUNCT
cana-998	33	28	asset	asset	NOUN
cana-998	33	29	management	management	NOUN
cana-998	33	30	,	,	PUNCT
cana-998	33	31	stock	stock	NOUN
cana-998	33	32	investments	investment	NOUN
cana-998	33	33	,	,	PUNCT
cana-998	33	34	mobile	mobile	NOUN
cana-998	33	35	payments	payment	NOUN
cana-998	33	36	,	,	PUNCT
cana-998	33	37	peerto	peerto	NOUN
cana-998	33	38	-	-	PUNCT
cana-998	33	39	peer	peer	NOUN
cana-998	33	40	lending	lending	NOUN
cana-998	33	41	,	,	PUNCT
cana-998	33	42	crowdfunding	crowdfunding	NOUN
cana-998	33	43	,	,	PUNCT
cana-998	33	44	and	and	CCONJ
cana-998	33	45	cryptocurrency	cryptocurrency	NOUN
cana-998	33	46	transactions	transaction	NOUN
cana-998	33	47	(	(	PUNCT
cana-998	33	48	ryu	ryu	PROPN
cana-998	33	49	,	,	PUNCT
cana-998	33	50	h.-s	h.-	NOUN
cana-998	33	51	,	,	PUNCT
cana-998	33	52	2020	2020	NUM
cana-998	33	53	)	)	PUNCT
cana-998	33	54	.	.	PUNCT
cana-998	34	1	digital	digital	ADJ
cana-998	34	2	transformation	transformation	NOUN
cana-998	34	3	entails	entail	VERB
cana-998	34	4	organizations	organization	NOUN
cana-998	34	5	or	or	CCONJ
cana-998	34	6	countries	country	NOUN
cana-998	34	7	adopting	adopt	VERB
cana-998	34	8	new	new	ADJ
cana-998	34	9	digital	digital	ADJ
cana-998	34	10	technologies	technology	NOUN
cana-998	34	11	to	to	PART
cana-998	34	12	significantly	significantly	ADV
cana-998	34	13	enhance	enhance	VERB
cana-998	34	14	their	their	PRON
cana-998	34	15	performance	performance	NOUN
cana-998	34	16	.	.	PUNCT
cana-998	35	1	these	these	DET
cana-998	35	2	technologies	technology	NOUN
cana-998	35	3	include	include	VERB
cana-998	35	4	social	social	ADJ
cana-998	35	5	media	medium	NOUN
cana-998	35	6	,	,	PUNCT
cana-998	35	7	mobile	mobile	ADJ
cana-998	35	8	applications	application	NOUN
cana-998	35	9	,	,	PUNCT
cana-998	35	10	big	big	ADJ
cana-998	35	11	data	datum	NOUN
cana-998	35	12	,	,	PUNCT
cana-998	35	13	cloud	cloud	NOUN
cana-998	35	14	computing	computing	NOUN
cana-998	35	15	,	,	PUNCT
cana-998	35	16	internet	internet	NOUN
cana-998	35	17	of	of	ADP
cana-998	35	18	things	thing	NOUN
cana-998	35	19	(	(	PUNCT
cana-998	35	20	iot	iot	NOUN
cana-998	35	21	)	)	PUNCT
cana-998	35	22	,	,	PUNCT
cana-998	35	23	artificial	artificial	ADJ
cana-998	35	24	intelligence	intelligence	NOUN
cana-998	35	25	(	(	PUNCT
cana-998	35	26	ai	ai	NOUN
cana-998	35	27	)	)	PUNCT
cana-998	35	28	,	,	PUNCT
cana-998	35	29	fintech	fintech	NOUN
cana-998	35	30	,	,	PUNCT
cana-998	35	31	blockchain	blockchain	NOUN
cana-998	35	32	,	,	PUNCT
cana-998	35	33	virtual	virtual	ADJ
cana-998	35	34	reality	reality	NOUN
cana-998	35	35	,	,	PUNCT
cana-998	35	36	and	and	CCONJ
cana-998	35	37	augmented	augment	VERB
cana-998	35	38	reality	reality	NOUN
cana-998	35	39	.	.	PUNCT
cana-998	36	1	to	to	PART
cana-998	36	2	successfully	successfully	ADV
cana-998	36	3	navigate	navigate	VERB
cana-998	36	4	this	this	DET
cana-998	36	5	transformation	transformation	NOUN
cana-998	36	6	,	,	PUNCT
cana-998	36	7	a	a	DET
cana-998	36	8	well	well	ADV
cana-998	36	9	-	-	PUNCT
cana-998	36	10	defined	define	VERB
cana-998	36	11	strategy	strategy	NOUN
cana-998	36	12	,	,	PUNCT
cana-998	36	13	appropriate	appropriate	ADJ
cana-998	36	14	organizational	organizational	ADJ
cana-998	36	15	structure	structure	NOUN
cana-998	36	16	,	,	PUNCT
cana-998	36	17	digital	digital	ADJ
cana-998	36	18	capabilities	capability	NOUN
cana-998	36	19	,	,	PUNCT
cana-998	36	20	supportive	supportive	ADJ
cana-998	36	21	culture	culture	NOUN
cana-998	36	22	,	,	PUNCT
cana-998	36	23	and	and	CCONJ
cana-998	36	24	effective	effective	ADJ
cana-998	36	25	governance	governance	NOUN
cana-998	36	26	are	be	AUX
cana-998	36	27	crucial	crucial	ADJ
cana-998	36	28	(	(	PUNCT
cana-998	36	29	naimi	naimi	NOUN
cana-998	36	30	-	-	PUNCT
cana-998	36	31	sadigh	sadigh	ADJ
cana-998	36	32	,	,	PUNCT
cana-998	36	33	a.	a.	NOUN
cana-998	36	34	;	;	PUNCT
cana-998	36	35	asgari	asgari	PROPN
cana-998	36	36	,	,	PUNCT
cana-998	36	37	t.	t.	PROPN
cana-998	36	38	;	;	PUNCT
cana-998	36	39	rabiei	rabiei	PROPN
cana-998	36	40	,	,	PUNCT
cana-998	36	41	m	m	PROPN
cana-998	36	42	,	,	PUNCT
cana-998	36	43	2022	2022	NUM
cana-998	36	44	)	)	PUNCT
cana-998	36	45	.	.	PUNCT
cana-998	37	1	the	the	DET
cana-998	37	2	widespread	widespread	ADJ
cana-998	37	3	adoption	adoption	NOUN
cana-998	37	4	of	of	ADP
cana-998	37	5	digital	digital	ADJ
cana-998	37	6	technologies	technology	NOUN
cana-998	37	7	in	in	ADP
cana-998	37	8	banking	banking	NOUN
cana-998	37	9	operations	operation	NOUN
cana-998	37	10	and	and	CCONJ
cana-998	37	11	services	service	NOUN
cana-998	37	12	incorporates	incorporate	VERB
cana-998	37	13	a	a	DET
cana-998	37	14	variety	variety	NOUN
cana-998	37	15	of	of	ADP
cana-998	37	16	digital	digital	ADJ
cana-998	37	17	tools	tool	NOUN
cana-998	37	18	such	such	ADJ
cana-998	37	19	as	as	ADP
cana-998	37	20	computers	computer	NOUN
cana-998	37	21	,	,	PUNCT
cana-998	37	22	computer	computer	NOUN
cana-998	37	23	networks	network	NOUN
cana-998	37	24	,	,	PUNCT
cana-998	37	25	digital	digital	ADJ
cana-998	37	26	communication	communication	NOUN
cana-998	37	27	,	,	PUNCT
cana-998	37	28	the	the	DET
cana-998	37	29	internet	internet	NOUN
cana-998	37	30	,	,	PUNCT
cana-998	37	31	and	and	CCONJ
cana-998	37	32	information	information	NOUN
cana-998	37	33	and	and	CCONJ
cana-998	37	34	communication	communication	NOUN
cana-998	37	35	technologies	technology	NOUN
cana-998	37	36	,	,	PUNCT
cana-998	37	37	supported	support	VERB
cana-998	37	38	by	by	ADP
cana-998	37	39	appropriate	appropriate	ADJ
cana-998	37	40	software	software	NOUN
cana-998	37	41	.	.	PUNCT
cana-998	38	1	this	this	DET
cana-998	38	2	integration	integration	NOUN
cana-998	38	3	leads	lead	VERB
cana-998	38	4	to	to	ADP
cana-998	38	5	increased	increase	VERB
cana-998	38	6	speed	speed	NOUN
cana-998	38	7	,	,	PUNCT
cana-998	38	8	security	security	NOUN
cana-998	38	9	,	,	PUNCT
cana-998	38	10	and	and	CCONJ
cana-998	38	11	efficiency	efficiency	NOUN
cana-998	38	12	,	,	PUNCT
cana-998	38	13	delivering	deliver	VERB
cana-998	38	14	numerous	numerous	ADJ
cana-998	38	15	benefits	benefit	NOUN
cana-998	38	16	to	to	ADP
cana-998	38	17	both	both	DET
cana-998	38	18	banks	bank	NOUN
cana-998	38	19	and	and	CCONJ
cana-998	38	20	their	their	PRON
cana-998	38	21	clients	client	NOUN
cana-998	38	22	.	.	PUNCT
cana-998	39	1	additionally	additionally	ADV
cana-998	39	2	,	,	PUNCT
cana-998	39	3	there	there	PRON
cana-998	39	4	is	be	VERB
cana-998	39	5	a	a	DET
cana-998	39	6	proposed	propose	VERB
cana-998	39	7	method	method	NOUN
cana-998	39	8	for	for	ADP
cana-998	39	9	transitioning	transition	VERB
cana-998	39	10	a	a	DET
cana-998	39	11	traditional	traditional	ADJ
cana-998	39	12	financial	financial	ADJ
cana-998	39	13	data	datum	NOUN
cana-998	39	14	bank	bank	NOUN
cana-998	39	15	into	into	ADP
cana-998	39	16	a	a	DET
cana-998	39	17	digital	digital	ADJ
cana-998	39	18	counterpart	counterpart	NOUN
cana-998	39	19	,	,	PUNCT
cana-998	39	20	illustrated	illustrate	VERB
cana-998	39	21	through	through	ADP
cana-998	39	22	the	the	DET
cana-998	39	23	example	example	NOUN
cana-998	39	24	of	of	ADP
cana-998	39	25	a	a	DET
cana-998	39	26	typical	typical	ADJ
cana-998	39	27	commercial	commercial	ADJ
cana-998	39	28	or	or	CCONJ
cana-998	39	29	retail	retail	ADJ
cana-998	39	30	bank	bank	NOUN
cana-998	39	31	(	(	PUNCT
cana-998	39	32	sajic	sajic	PROPN
cana-998	39	33	,	,	PUNCT
cana-998	39	34	m.	m.	NOUN
cana-998	39	35	;	;	PUNCT
cana-998	39	36	bundalo	bundalo	NOUN
cana-998	39	37	,	,	PUNCT
cana-998	39	38	d.	d.	PROPN
cana-998	39	39	;	;	PUNCT
cana-998	39	40	bundalo	bundalo	PROPN
cana-998	39	41	,	,	PUNCT
cana-998	39	42	z.	z.	PROPN
cana-998	39	43	;	;	PUNCT
cana-998	39	44	pasalic	pasalic	PROPN
cana-998	39	45	,	,	PUNCT
cana-998	39	46	d	d	NOUN
cana-998	39	47	,	,	PUNCT
cana-998	39	48	2017	2017	NUM
cana-998	39	49	)	)	PUNCT
cana-998	39	50	.	.	PUNCT
cana-998	40	1	analyzing	analyze	VERB
cana-998	40	2	the	the	DET
cana-998	40	3	digitization	digitization	NOUN
cana-998	40	4	of	of	ADP
cana-998	40	5	banks	bank	NOUN
cana-998	40	6	necessitates	necessitate	VERB
cana-998	40	7	a	a	DET
cana-998	40	8	perspective	perspective	NOUN
cana-998	40	9	centered	center	VERB
cana-998	40	10	on	on	ADP
cana-998	40	11	the	the	DET
cana-998	40	12	industry	industry	NOUN
cana-998	40	13	's	's	PART
cana-998	40	14	evolving	evolve	VERB
cana-998	40	15	management	management	NOUN
cana-998	40	16	practices	practice	NOUN
cana-998	40	17	,	,	PUNCT
cana-998	40	18	influenced	influence	VERB
cana-998	40	19	by	by	ADP
cana-998	40	20	new	new	ADJ
cana-998	40	21	worldviews	worldview	NOUN
cana-998	40	22	communications	communication	NOUN
cana-998	40	23	on	on	ADP
cana-998	40	24	applied	apply	VERB
cana-998	40	25	nonlinear	nonlinear	ADJ
cana-998	40	26	analysis	analysis	NOUN
cana-998	40	27	issn	issn	NOUN
cana-998	40	28	:	:	PUNCT
cana-998	40	29	1074	1074	NUM
cana-998	40	30	-	-	PUNCT
cana-998	40	31	133x	133x	NUM
cana-998	40	32	vol	vol	NOUN
cana-998	40	33	31	31	NUM
cana-998	40	34	no	no	NOUN
cana-998	40	35	.	.	PUNCT
cana-998	41	1	5s	5s	NUM
cana-998	41	2	(	(	PUNCT
cana-998	41	3	2024	2024	NUM
cana-998	41	4	)	)	PUNCT
cana-998	41	5	41	41	NUM
cana-998	41	6	https://internationalpubls.com	https://internationalpubls.com	X
cana-998	41	7	emerging	emerge	VERB
cana-998	41	8	in	in	ADP
cana-998	41	9	the	the	DET
cana-998	41	10	digital	digital	ADJ
cana-998	41	11	era	era	NOUN
cana-998	41	12	.	.	PUNCT
cana-998	42	1	this	this	DET
cana-998	42	2	perspective	perspective	NOUN
cana-998	42	3	encompasses	encompass	VERB
cana-998	42	4	changes	change	NOUN
cana-998	42	5	in	in	ADP
cana-998	42	6	technologies	technology	NOUN
cana-998	42	7	,	,	PUNCT
cana-998	42	8	processes	process	NOUN
cana-998	42	9	,	,	PUNCT
cana-998	42	10	and	and	CCONJ
cana-998	42	11	tools	tool	NOUN
cana-998	42	12	employed	employ	VERB
cana-998	42	13	within	within	ADP
cana-998	42	14	the	the	DET
cana-998	42	15	banking	banking	NOUN
cana-998	42	16	sector	sector	NOUN
cana-998	42	17	(	(	PUNCT
cana-998	42	18	evdokimova	evdokimova	PROPN
cana-998	42	19	,	,	PUNCT
cana-998	42	20	y.	y.	PROPN
cana-998	42	21	;	;	PUNCT
cana-998	42	22	shinkareva	shinkareva	PROPN
cana-998	42	23	,	,	PUNCT
cana-998	42	24	o.	o.	PROPN
cana-998	42	25	;	;	PUNCT
cana-998	42	26	bondarenko	bondarenko	ADJ
cana-998	42	27	,	,	PUNCT
cana-998	42	28	2018	2018	NUM
cana-998	42	29	)	)	PUNCT
cana-998	42	30	.	.	PUNCT
cana-998	43	1	the	the	DET
cana-998	43	2	global	global	ADJ
cana-998	43	3	financial	financial	ADJ
cana-998	43	4	sector	sector	NOUN
cana-998	43	5	is	be	AUX
cana-998	43	6	currently	currently	ADV
cana-998	43	7	undergoing	undergo	VERB
cana-998	43	8	a	a	DET
cana-998	43	9	profound	profound	ADJ
cana-998	43	10	transformation	transformation	NOUN
cana-998	43	11	,	,	PUNCT
cana-998	43	12	with	with	ADP
cana-998	43	13	fintech	fintech	NOUN
cana-998	43	14	emerging	emerge	VERB
cana-998	43	15	as	as	ADP
cana-998	43	16	a	a	DET
cana-998	43	17	key	key	ADJ
cana-998	43	18	driver	driver	NOUN
cana-998	43	19	reshaping	reshape	VERB
cana-998	43	20	the	the	DET
cana-998	43	21	way	way	NOUN
cana-998	43	22	banking	banking	NOUN
cana-998	43	23	and	and	CCONJ
cana-998	43	24	financial	financial	ADJ
cana-998	43	25	services	service	NOUN
cana-998	43	26	operate	operate	VERB
cana-998	43	27	.	.	PUNCT
cana-998	44	1	fintech	fintech	NOUN
cana-998	44	2	,	,	PUNCT
cana-998	44	3	short	short	ADJ
cana-998	44	4	for	for	ADP
cana-998	44	5	financial	financial	ADJ
cana-998	44	6	technology	technology	NOUN
cana-998	44	7	,	,	PUNCT
cana-998	44	8	encompasses	encompass	VERB
cana-998	44	9	advanced	advanced	ADJ
cana-998	44	10	technologies	technology	NOUN
cana-998	44	11	such	such	ADJ
cana-998	44	12	as	as	ADP
cana-998	44	13	blockchain	blockchain	NOUN
cana-998	44	14	,	,	PUNCT
cana-998	44	15	big	big	ADJ
cana-998	44	16	data	datum	NOUN
cana-998	44	17	,	,	PUNCT
cana-998	44	18	and	and	CCONJ
cana-998	44	19	intelligent	intelligent	ADJ
cana-998	44	20	investment	investment	NOUN
cana-998	44	21	consulting	consulting	NOUN
cana-998	44	22	.	.	PUNCT
cana-998	45	1	this	this	DET
cana-998	45	2	technological	technological	ADJ
cana-998	45	3	intervention	intervention	NOUN
cana-998	45	4	has	have	AUX
cana-998	45	5	revolutionized	revolutionize	VERB
cana-998	45	6	the	the	DET
cana-998	45	7	delivery	delivery	NOUN
cana-998	45	8	of	of	ADP
cana-998	45	9	financial	financial	ADJ
cana-998	45	10	services	service	NOUN
cana-998	45	11	,	,	PUNCT
cana-998	45	12	making	make	VERB
cana-998	45	13	them	they	PRON
cana-998	45	14	faster	fast	ADJ
cana-998	45	15	,	,	PUNCT
cana-998	45	16	more	more	ADJ
cana-998	45	17	cost	cost	NOUN
cana-998	45	18	-	-	PUNCT
cana-998	45	19	effective	effective	ADJ
cana-998	45	20	,	,	PUNCT
cana-998	45	21	and	and	CCONJ
cana-998	45	22	of	of	ADP
cana-998	45	23	higher	high	ADJ
cana-998	45	24	quality	quality	NOUN
cana-998	45	25	.	.	PUNCT
cana-998	46	1	2	2	X
cana-998	46	2	.	.	X
cana-998	46	3	literature	literature	NOUN
cana-998	46	4	review	review	PROPN
cana-998	46	5	according	accord	VERB
cana-998	46	6	to	to	ADP
cana-998	46	7	the	the	DET
cana-998	46	8	technology	technology	NOUN
cana-998	46	9	acceptance	acceptance	NOUN
cana-998	46	10	theory	theory	NOUN
cana-998	46	11	,	,	PUNCT
cana-998	46	12	factors	factor	NOUN
cana-998	46	13	such	such	ADJ
cana-998	46	14	as	as	ADP
cana-998	46	15	enjoyment	enjoyment	NOUN
cana-998	46	16	and	and	CCONJ
cana-998	46	17	flow	flow	NOUN
cana-998	46	18	play	play	VERB
cana-998	46	19	crucial	crucial	ADJ
cana-998	46	20	roles	role	NOUN
cana-998	46	21	in	in	ADP
cana-998	46	22	shaping	shape	VERB
cana-998	46	23	an	an	DET
cana-998	46	24	individual	individual	NOUN
cana-998	46	25	's	's	PART
cana-998	46	26	experiences	experience	NOUN
cana-998	46	27	with	with	ADP
cana-998	46	28	technology	technology	NOUN
cana-998	46	29	.	.	PUNCT
cana-998	47	1	when	when	SCONJ
cana-998	47	2	it	it	PRON
cana-998	47	3	comes	come	VERB
cana-998	47	4	to	to	ADP
cana-998	47	5	e	e	NOUN
cana-998	47	6	-	-	NOUN
cana-998	47	7	commerce	commerce	NOUN
cana-998	47	8	adoption	adoption	NOUN
cana-998	47	9	,	,	PUNCT
cana-998	47	10	an	an	DET
cana-998	47	11	analysis	analysis	NOUN
cana-998	47	12	highlights	highlight	VERB
cana-998	47	13	external	external	ADJ
cana-998	47	14	pressures	pressure	NOUN
cana-998	47	15	,	,	PUNCT
cana-998	47	16	perceived	perceive	VERB
cana-998	47	17	benefits	benefit	NOUN
cana-998	47	18	,	,	PUNCT
cana-998	47	19	and	and	CCONJ
cana-998	47	20	readiness	readiness	NOUN
cana-998	47	21	as	as	ADP
cana-998	47	22	the	the	DET
cana-998	47	23	most	most	ADV
cana-998	47	24	significant	significant	ADJ
cana-998	47	25	factors	factor	NOUN
cana-998	47	26	(	(	PUNCT
cana-998	47	27	chwelos	chwelo	NOUN
cana-998	47	28	,	,	PUNCT
cana-998	47	29	p.	p.	NOUN
cana-998	47	30	;	;	PUNCT
cana-998	47	31	benbasat	benbasat	PROPN
cana-998	47	32	,	,	PUNCT
cana-998	47	33	i.	i.	NOUN
cana-998	47	34	;	;	PUNCT
cana-998	47	35	dexter	dexter	PROPN
cana-998	47	36	,	,	PUNCT
cana-998	47	37	2001	2001	NUM
cana-998	47	38	)	)	PUNCT
cana-998	47	39	.	.	PUNCT
cana-998	48	1	interestingly	interestingly	ADV
cana-998	48	2	,	,	PUNCT
cana-998	48	3	despite	despite	SCONJ
cana-998	48	4	substantial	substantial	ADJ
cana-998	48	5	investments	investment	NOUN
cana-998	48	6	in	in	ADP
cana-998	48	7	new	new	ADJ
cana-998	48	8	information	information	NOUN
cana-998	48	9	technologies	technology	NOUN
cana-998	48	10	,	,	PUNCT
cana-998	48	11	the	the	DET
cana-998	48	12	united	united	PROPN
cana-998	48	13	states	states	PROPN
cana-998	48	14	has	have	AUX
cana-998	48	15	often	often	ADV
cana-998	48	16	overlooked	overlook	VERB
cana-998	48	17	fundamental	fundamental	ADJ
cana-998	48	18	elements	element	NOUN
cana-998	48	19	of	of	ADP
cana-998	48	20	technology	technology	NOUN
cana-998	48	21	adoption	adoption	NOUN
cana-998	48	22	such	such	ADJ
cana-998	48	23	as	as	ADP
cana-998	48	24	planned	planned	ADJ
cana-998	48	25	change	change	NOUN
cana-998	48	26	,	,	PUNCT
cana-998	48	27	internalization	internalization	NOUN
cana-998	48	28	,	,	PUNCT
cana-998	48	29	trust	trust	NOUN
cana-998	48	30	,	,	PUNCT
cana-998	48	31	and	and	CCONJ
cana-998	48	32	adoption	adoption	NOUN
cana-998	48	33	dynamics	dynamic	NOUN
cana-998	48	34	.	.	PUNCT
cana-998	49	1	innovators	innovator	NOUN
cana-998	49	2	,	,	PUNCT
cana-998	49	3	typically	typically	ADV
cana-998	49	4	characterized	characterize	VERB
cana-998	49	5	by	by	ADP
cana-998	49	6	high	high	ADJ
cana-998	49	7	wealth	wealth	NOUN
cana-998	49	8	,	,	PUNCT
cana-998	49	9	education	education	NOUN
cana-998	49	10	,	,	PUNCT
cana-998	49	11	active	active	ADJ
cana-998	49	12	social	social	ADJ
cana-998	49	13	participation	participation	NOUN
cana-998	49	14	,	,	PUNCT
cana-998	49	15	and	and	CCONJ
cana-998	49	16	leadership	leadership	NOUN
cana-998	49	17	,	,	PUNCT
cana-998	49	18	are	be	AUX
cana-998	49	19	often	often	ADV
cana-998	49	20	the	the	DET
cana-998	49	21	first	first	ADJ
cana-998	49	22	to	to	PART
cana-998	49	23	embrace	embrace	VERB
cana-998	49	24	new	new	ADJ
cana-998	49	25	services	service	NOUN
cana-998	49	26	or	or	CCONJ
cana-998	49	27	goods	good	NOUN
cana-998	49	28	like	like	ADP
cana-998	49	29	internet	internet	NOUN
cana-998	49	30	banking	banking	NOUN
cana-998	49	31	(	(	PUNCT
cana-998	49	32	lippert	lippert	PROPN
cana-998	49	33	,	,	PUNCT
cana-998	49	34	s.k	s.k	PROPN
cana-998	49	35	.	.	PROPN
cana-998	49	36	;	;	PUNCT
cana-998	49	37	davis	davis	PROPN
cana-998	49	38	,	,	PUNCT
cana-998	49	39	m.	m.	NOUN
cana-998	49	40	a	a	PRON
cana-998	49	41	,	,	PUNCT
cana-998	49	42	2006	2006	NUM
cana-998	49	43	)	)	PUNCT
cana-998	49	44	.	.	PUNCT
cana-998	50	1	the	the	DET
cana-998	50	2	perceived	perceive	VERB
cana-998	50	3	benefits	benefit	NOUN
cana-998	50	4	,	,	PUNCT
cana-998	50	5	which	which	PRON
cana-998	50	6	significantly	significantly	ADV
cana-998	50	7	influence	influence	VERB
cana-998	50	8	service	service	NOUN
cana-998	50	9	acceptance	acceptance	NOUN
cana-998	50	10	,	,	PUNCT
cana-998	50	11	are	be	AUX
cana-998	50	12	pivotal	pivotal	ADJ
cana-998	50	13	in	in	ADP
cana-998	50	14	individual	individual	ADJ
cana-998	50	15	decisionmaking	decisionmaking	NOUN
cana-998	50	16	regarding	regard	VERB
cana-998	50	17	technology	technology	NOUN
cana-998	50	18	adoption	adoption	NOUN
cana-998	50	19	(	(	PUNCT
cana-998	50	20	lassar	lassar	PROPN
cana-998	50	21	,	,	PUNCT
cana-998	50	22	w.m	w.m	PROPN
cana-998	50	23	.	.	PROPN
cana-998	50	24	;	;	PUNCT
cana-998	50	25	manolis	manolis	PROPN
cana-998	50	26	,	,	PUNCT
cana-998	50	27	c.	c.	PROPN
cana-998	50	28	;	;	PUNCT
cana-998	50	29	lassar	lassar	PROPN
cana-998	50	30	,	,	PUNCT
cana-998	50	31	s.s	s.s	PROPN
cana-998	50	32	.	.	PROPN
cana-998	50	33	,	,	PUNCT
cana-998	50	34	2005	2005	NUM
cana-998	50	35	)	)	PUNCT
cana-998	50	36	.	.	PUNCT
cana-998	51	1	apart	apart	ADV
cana-998	51	2	from	from	ADP
cana-998	51	3	personal	personal	ADJ
cana-998	51	4	preferences	preference	NOUN
cana-998	51	5	,	,	PUNCT
cana-998	51	6	factors	factor	NOUN
cana-998	51	7	such	such	ADJ
cana-998	51	8	as	as	ADP
cana-998	51	9	consumer	consumer	NOUN
cana-998	51	10	demand	demand	NOUN
cana-998	51	11	,	,	PUNCT
cana-998	51	12	market	market	NOUN
cana-998	51	13	competition	competition	NOUN
cana-998	51	14	,	,	PUNCT
cana-998	51	15	technology	technology	NOUN
cana-998	51	16	accessibility	accessibility	NOUN
cana-998	51	17	,	,	PUNCT
cana-998	51	18	and	and	CCONJ
cana-998	51	19	overall	overall	ADJ
cana-998	51	20	market	market	NOUN
cana-998	51	21	forces	force	NOUN
cana-998	51	22	also	also	ADV
cana-998	51	23	influence	influence	VERB
cana-998	51	24	the	the	DET
cana-998	51	25	adoption	adoption	NOUN
cana-998	51	26	of	of	ADP
cana-998	51	27	online	online	ADJ
cana-998	51	28	banking	banking	NOUN
cana-998	51	29	services	service	NOUN
cana-998	51	30	among	among	ADP
cana-998	51	31	banks	bank	NOUN
cana-998	51	32	(	(	PUNCT
cana-998	51	33	bradley	bradley	PROPN
cana-998	51	34	,	,	PUNCT
cana-998	51	35	l.	l.	PROPN
cana-998	51	36	;	;	PUNCT
cana-998	51	37	stewart	stewart	PROPN
cana-998	51	38	,	,	PUNCT
cana-998	51	39	k	k	PROPN
cana-998	51	40	,	,	PUNCT
cana-998	51	41	2003	2003	NUM
cana-998	51	42	)	)	PUNCT
cana-998	51	43	.	.	PUNCT
cana-998	52	1	montazemi	montazemi	NOUN
cana-998	52	2	and	and	CCONJ
cana-998	52	3	qahri	qahri	NOUN
cana-998	52	4	-	-	PUNCT
cana-998	52	5	saremi	saremi	PROPN
cana-998	52	6	(	(	PUNCT
cana-998	52	7	2015	2015	NUM
cana-998	52	8	)	)	PUNCT
cana-998	52	9	utilized	utilize	VERB
cana-998	52	10	a	a	DET
cana-998	52	11	grounded	ground	VERB
cana-998	52	12	theory	theory	NOUN
cana-998	52	13	approach	approach	NOUN
cana-998	52	14	and	and	CCONJ
cana-998	52	15	the	the	DET
cana-998	52	16	two	two	NUM
cana-998	52	17	-	-	PUNCT
cana-998	52	18	stage	stage	NOUN
cana-998	52	19	random	random	ADJ
cana-998	52	20	effects	effect	NOUN
cana-998	52	21	masem	masem	ADJ
cana-998	52	22	procedure	procedure	NOUN
cana-998	52	23	to	to	PART
cana-998	52	24	identify	identify	VERB
cana-998	52	25	factors	factor	NOUN
cana-998	52	26	influencing	influence	VERB
cana-998	52	27	preadoption	preadoption	NOUN
cana-998	52	28	and	and	CCONJ
cana-998	52	29	postadoption	postadoption	NOUN
cana-998	52	30	of	of	ADP
cana-998	52	31	online	online	ADJ
cana-998	52	32	banking	banking	NOUN
cana-998	52	33	.	.	PUNCT
cana-998	53	1	similarly	similarly	ADV
cana-998	53	2	,	,	PUNCT
cana-998	53	3	a	a	DET
cana-998	53	4	study	study	NOUN
cana-998	53	5	on	on	ADP
cana-998	53	6	internet	internet	NOUN
cana-998	53	7	banking	banking	NOUN
cana-998	53	8	adoption	adoption	NOUN
cana-998	53	9	in	in	ADP
cana-998	53	10	china	china	PROPN
cana-998	53	11	emphasized	emphasize	VERB
cana-998	53	12	security	security	NOUN
cana-998	53	13	as	as	ADP
cana-998	53	14	the	the	DET
cana-998	53	15	most	most	ADV
cana-998	53	16	critical	critical	ADJ
cana-998	53	17	determinant	determinant	NOUN
cana-998	53	18	of	of	ADP
cana-998	53	19	user	user	NOUN
cana-998	53	20	adoption	adoption	NOUN
cana-998	53	21	,	,	PUNCT
cana-998	53	22	with	with	ADP
cana-998	53	23	perceived	perceive	VERB
cana-998	53	24	ease	ease	NOUN
cana-998	53	25	of	of	ADP
cana-998	53	26	use	use	NOUN
cana-998	53	27	and	and	CCONJ
cana-998	53	28	privacy	privacy	NOUN
cana-998	53	29	policies	policy	NOUN
cana-998	53	30	also	also	ADV
cana-998	53	31	exerting	exert	VERB
cana-998	53	32	significant	significant	ADJ
cana-998	53	33	influence	influence	NOUN
cana-998	53	34	(	(	PUNCT
cana-998	53	35	hua	hua	PROPN
cana-998	53	36	,	,	PUNCT
cana-998	53	37	g	g	NOUN
cana-998	53	38	,	,	PUNCT
cana-998	53	39	2023	2023	NUM
cana-998	53	40	)	)	PUNCT
cana-998	53	41	.	.	PUNCT
cana-998	54	1	another	another	DET
cana-998	54	2	study	study	NOUN
cana-998	54	3	conducted	conduct	VERB
cana-998	54	4	between	between	ADP
cana-998	54	5	2003	2003	NUM
cana-998	54	6	and	and	CCONJ
cana-998	54	7	2006	2006	NUM
cana-998	54	8	in	in	ADP
cana-998	54	9	the	the	DET
cana-998	54	10	united	united	PROPN
cana-998	54	11	states	states	PROPN
cana-998	54	12	,	,	PUNCT
cana-998	54	13	focusing	focus	VERB
cana-998	54	14	on	on	ADP
cana-998	54	15	a	a	DET
cana-998	54	16	panel	panel	NOUN
cana-998	54	17	of	of	ADP
cana-998	54	18	commercial	commercial	ADJ
cana-998	54	19	banks	bank	NOUN
cana-998	54	20	,	,	PUNCT
cana-998	54	21	investigated	investigate	VERB
cana-998	54	22	the	the	DET
cana-998	54	23	factors	factor	NOUN
cana-998	54	24	influencing	influence	VERB
cana-998	54	25	banks	bank	NOUN
cana-998	54	26	'	'	PART
cana-998	54	27	adoption	adoption	NOUN
cana-998	54	28	of	of	ADP
cana-998	54	29	transactional	transactional	ADJ
cana-998	54	30	websites	website	NOUN
cana-998	54	31	,	,	PUNCT
cana-998	54	32	the	the	DET
cana-998	54	33	predecessors	predecessor	NOUN
cana-998	54	34	to	to	ADP
cana-998	54	35	modern	modern	ADJ
cana-998	54	36	online	online	ADJ
cana-998	54	37	banking	banking	NOUN
cana-998	54	38	platforms	platform	NOUN
cana-998	54	39	.	.	PUNCT
cana-998	55	1	the	the	DET
cana-998	55	2	findings	finding	NOUN
cana-998	55	3	revealed	reveal	VERB
cana-998	55	4	that	that	SCONJ
cana-998	55	5	while	while	SCONJ
cana-998	55	6	individual	individual	ADJ
cana-998	55	7	bank	bank	NOUN
cana-998	55	8	characteristics	characteristic	NOUN
cana-998	55	9	,	,	PUNCT
cana-998	55	10	such	such	ADJ
cana-998	55	11	as	as	ADP
cana-998	55	12	reputation	reputation	NOUN
cana-998	55	13	and	and	CCONJ
cana-998	55	14	public	public	ADJ
cana-998	55	15	trust	trust	NOUN
cana-998	55	16	,	,	PUNCT
cana-998	55	17	are	be	AUX
cana-998	55	18	significant	significant	ADJ
cana-998	55	19	,	,	PUNCT
cana-998	55	20	the	the	DET
cana-998	55	21	banking	banking	NOUN
cana-998	55	22	sector	sector	NOUN
cana-998	55	23	itself	itself	PRON
cana-998	55	24	is	be	AUX
cana-998	55	25	the	the	DET
cana-998	55	26	primary	primary	ADJ
cana-998	55	27	area	area	NOUN
cana-998	55	28	of	of	ADP
cana-998	55	29	focus	focus	NOUN
cana-998	55	30	for	for	ADP
cana-998	55	31	banks	bank	NOUN
cana-998	55	32	.	.	PUNCT
cana-998	56	1	moreover	moreover	ADV
cana-998	56	2	,	,	PUNCT
cana-998	56	3	competition	competition	NOUN
cana-998	56	4	emerged	emerge	VERB
cana-998	56	5	as	as	ADP
cana-998	56	6	a	a	DET
cana-998	56	7	crucial	crucial	ADJ
cana-998	56	8	factor	factor	NOUN
cana-998	56	9	influencing	influence	VERB
cana-998	56	10	banks	bank	NOUN
cana-998	56	11	'	'	PART
cana-998	56	12	decisions	decision	NOUN
cana-998	56	13	in	in	ADP
cana-998	56	14	this	this	DET
cana-998	56	15	regard	regard	NOUN
cana-998	56	16	(	(	PUNCT
cana-998	56	17	hernández	hernández	PROPN
cana-998	56	18	-	-	PUNCT
cana-998	56	19	murillo	murillo	PROPN
cana-998	56	20	,	,	PUNCT
cana-998	56	21	r.	r.	PROPN
cana-998	56	22	;	;	PUNCT
cana-998	56	23	llobet	llobet	PROPN
cana-998	56	24	,	,	PUNCT
cana-998	56	25	g.	g.	PROPN
cana-998	56	26	;	;	PUNCT
cana-998	56	27	fuentes	fuente	NOUN
cana-998	56	28	,	,	PUNCT
cana-998	56	29	r	r	NOUN
cana-998	56	30	,	,	PUNCT
cana-998	56	31	2010	2010	NUM
cana-998	56	32	)	)	PUNCT
cana-998	56	33	.	.	PUNCT
cana-998	57	1	comparative	comparative	ADJ
cana-998	57	2	studies	study	NOUN
cana-998	57	3	analyzing	analyze	VERB
cana-998	57	4	the	the	DET
cana-998	57	5	adoption	adoption	NOUN
cana-998	57	6	of	of	ADP
cana-998	57	7	digital	digital	ADJ
cana-998	57	8	banking	banking	NOUN
cana-998	57	9	across	across	ADP
cana-998	57	10	different	different	ADJ
cana-998	57	11	economies	economy	NOUN
cana-998	57	12	,	,	PUNCT
cana-998	57	13	including	include	VERB
cana-998	57	14	the	the	DET
cana-998	57	15	united	united	PROPN
cana-998	57	16	states	states	PROPN
cana-998	57	17	,	,	PUNCT
cana-998	57	18	russia	russia	PROPN
cana-998	57	19	,	,	PUNCT
cana-998	57	20	and	and	CCONJ
cana-998	57	21	china	china	PROPN
cana-998	57	22	,	,	PUNCT
cana-998	57	23	indicate	indicate	VERB
cana-998	57	24	that	that	SCONJ
cana-998	57	25	the	the	DET
cana-998	57	26	us	us	PROPN
cana-998	57	27	banking	banking	NOUN
cana-998	57	28	system	system	NOUN
cana-998	57	29	maintains	maintain	VERB
cana-998	57	30	a	a	DET
cana-998	57	31	distinct	distinct	ADJ
cana-998	57	32	advantage	advantage	NOUN
cana-998	57	33	in	in	ADP
cana-998	57	34	this	this	DET
cana-998	57	35	domain	domain	NOUN
cana-998	57	36	(	(	PUNCT
cana-998	57	37	simpson	simpson	PROPN
cana-998	57	38	,	,	PUNCT
cana-998	57	39	j	j	PROPN
cana-998	57	40	2002	2002	NUM
cana-998	57	41	)	)	PUNCT
cana-998	57	42	.	.	PUNCT
cana-998	58	1	factors	factor	NOUN
cana-998	58	2	such	such	ADJ
cana-998	58	3	as	as	ADP
cana-998	58	4	economic	economic	ADJ
cana-998	58	5	value	value	NOUN
cana-998	58	6	,	,	PUNCT
cana-998	58	7	ease	ease	NOUN
cana-998	58	8	of	of	ADP
cana-998	58	9	use	use	NOUN
cana-998	58	10	,	,	PUNCT
cana-998	58	11	social	social	ADJ
cana-998	58	12	influence	influence	NOUN
cana-998	58	13	,	,	PUNCT
cana-998	58	14	company	company	NOUN
cana-998	58	15	reputation	reputation	NOUN
cana-998	58	16	,	,	PUNCT
cana-998	58	17	features	feature	NOUN
cana-998	58	18	,	,	PUNCT
cana-998	58	19	and	and	CCONJ
cana-998	58	20	rewards	reward	VERB
cana-998	58	21	significantly	significantly	ADV
cana-998	58	22	influence	influence	VERB
cana-998	58	23	customers	customer	NOUN
cana-998	58	24	'	'	PART
cana-998	58	25	preference	preference	NOUN
cana-998	58	26	for	for	ADP
cana-998	58	27	using	use	VERB
cana-998	58	28	e	e	NOUN
cana-998	58	29	-	-	ADJ
cana-998	58	30	banking	banking	ADJ
cana-998	58	31	services	service	NOUN
cana-998	58	32	exclusively	exclusively	ADV
cana-998	58	33	.	.	PUNCT
cana-998	59	1	these	these	DET
cana-998	59	2	findings	finding	NOUN
cana-998	59	3	have	have	AUX
cana-998	59	4	been	be	AUX
cana-998	59	5	observed	observe	VERB
cana-998	59	6	across	across	ADP
cana-998	59	7	different	different	ADJ
cana-998	59	8	generations	generation	NOUN
cana-998	59	9	,	,	PUNCT
cana-998	59	10	including	include	VERB
cana-998	59	11	generations	generation	NOUN
cana-998	59	12	y	y	PROPN
cana-998	59	13	and	and	CCONJ
cana-998	59	14	z	z	PROPN
cana-998	59	15	in	in	ADP
cana-998	59	16	indonesia	indonesia	PROPN
cana-998	59	17	(	(	PUNCT
cana-998	59	18	windasari	windasari	X
cana-998	59	19	,	,	PUNCT
cana-998	59	20	n.a	n.a	PROPN
cana-998	59	21	.	.	PROPN
cana-998	59	22	;	;	PUNCT
cana-998	59	23	kusumawati	kusumawati	PROPN
cana-998	59	24	,	,	PUNCT
cana-998	59	25	n.	n.	NOUN
cana-998	59	26	;	;	PUNCT
cana-998	59	27	larasati	larasati	NOUN
cana-998	59	28	,	,	PUNCT
cana-998	59	29	n.	n.	PROPN
cana-998	59	30	;	;	PUNCT
cana-998	59	31	amelia	amelia	PROPN
cana-998	59	32	,	,	PUNCT
cana-998	59	33	r.p	r.p	PROPN
cana-998	59	34	2022	2022	NUM
cana-998	59	35	)	)	PUNCT
cana-998	59	36	.	.	PUNCT
cana-998	60	1	another	another	DET
cana-998	60	2	study	study	NOUN
cana-998	60	3	explores	explore	VERB
cana-998	60	4	whether	whether	SCONJ
cana-998	60	5	the	the	DET
cana-998	60	6	adoption	adoption	NOUN
cana-998	60	7	of	of	ADP
cana-998	60	8	digital	digital	ADJ
cana-998	60	9	payment	payment	NOUN
cana-998	60	10	methods	method	NOUN
cana-998	60	11	,	,	PUNCT
cana-998	60	12	like	like	ADP
cana-998	60	13	mobile	mobile	ADJ
cana-998	60	14	payments	payment	NOUN
cana-998	60	15	,	,	PUNCT
cana-998	60	16	increases	increase	VERB
cana-998	60	17	the	the	DET
cana-998	60	18	risks	risk	NOUN
cana-998	60	19	of	of	ADP
cana-998	60	20	financial	financial	ADJ
cana-998	60	21	vulnerability	vulnerability	NOUN
cana-998	60	22	.	.	PUNCT
cana-998	61	1	this	this	DET
cana-998	61	2	study	study	NOUN
cana-998	61	3	extends	extend	VERB
cana-998	61	4	its	its	PRON
cana-998	61	5	analysis	analysis	NOUN
cana-998	61	6	beyond	beyond	ADP
cana-998	61	7	the	the	DET
cana-998	61	8	united	united	PROPN
cana-998	61	9	states	states	PROPN
cana-998	61	10	,	,	PUNCT
cana-998	61	11	examining	examine	VERB
cana-998	61	12	the	the	DET
cana-998	61	13	willingness	willingness	NOUN
cana-998	61	14	of	of	ADP
cana-998	61	15	populations	population	NOUN
cana-998	61	16	to	to	PART
cana-998	61	17	utilize	utilize	VERB
cana-998	61	18	social	social	ADJ
cana-998	61	19	media	medium	NOUN
cana-998	61	20	platforms	platform	NOUN
cana-998	61	21	for	for	ADP
cana-998	61	22	money	money	NOUN
cana-998	61	23	transfers	transfer	NOUN
cana-998	61	24	and	and	CCONJ
cana-998	61	25	share	share	NOUN
cana-998	61	26	account	account	NOUN
cana-998	61	27	information	information	NOUN
cana-998	61	28	with	with	ADP
cana-998	61	29	third	third	ADJ
cana-998	61	30	-	-	PUNCT
cana-998	61	31	party	party	NOUN
cana-998	61	32	financial	financial	ADJ
cana-998	61	33	services	service	NOUN
cana-998	61	34	.	.	PUNCT
cana-998	62	1	the	the	DET
cana-998	62	2	research	research	NOUN
cana-998	62	3	draws	draw	VERB
cana-998	62	4	on	on	ADP
cana-998	62	5	data	datum	NOUN
cana-998	62	6	from	from	ADP
cana-998	62	7	a	a	DET
cana-998	62	8	communications	communication	NOUN
cana-998	62	9	on	on	ADP
cana-998	62	10	applied	apply	VERB
cana-998	62	11	nonlinear	nonlinear	ADJ
cana-998	62	12	analysis	analysis	NOUN
cana-998	62	13	issn	issn	NOUN
cana-998	62	14	:	:	PUNCT
cana-998	62	15	1074	1074	NUM
cana-998	62	16	-	-	PUNCT
cana-998	62	17	133x	133x	NUM
cana-998	62	18	vol	vol	NOUN
cana-998	62	19	31	31	NUM
cana-998	62	20	no	no	NOUN
cana-998	62	21	.	.	PUNCT
cana-998	63	1	5s	5s	NUM
cana-998	63	2	(	(	PUNCT
cana-998	63	3	2024	2024	NUM
cana-998	63	4	)	)	PUNCT
cana-998	63	5	42	42	NUM
cana-998	63	6	https://internationalpubls.com	https://internationalpubls.com	X
cana-998	63	7	sample	sample	NOUN
cana-998	63	8	of	of	ADP
cana-998	63	9	norwegian	norwegian	ADJ
cana-998	63	10	adults	adult	NOUN
cana-998	63	11	(	(	PUNCT
cana-998	63	12	n	n	NOUN
cana-998	63	13	=	=	SYM
cana-998	63	14	2202	2202	NUM
cana-998	63	15	)	)	PUNCT
cana-998	63	16	(	(	PUNCT
cana-998	63	17	seldal	seldal	ADJ
cana-998	63	18	,	,	PUNCT
cana-998	63	19	m.m.n	m.m.n	PROPN
cana-998	63	20	.	.	PUNCT
cana-998	63	21	;	;	PUNCT
cana-998	63	22	nyhus	nyhus	PROPN
cana-998	63	23	,	,	PUNCT
cana-998	63	24	e.k	e.k	PROPN
cana-998	63	25	2022	2022	NUM
cana-998	63	26	)	)	PUNCT
cana-998	63	27	.	.	PUNCT
cana-998	64	1	defining	define	VERB
cana-998	64	2	the	the	DET
cana-998	64	3	fintech	fintech	NOUN
cana-998	64	4	framework	framework	NOUN
cana-998	64	5	,	,	PUNCT
cana-998	64	6	along	along	ADP
cana-998	64	7	with	with	ADP
cana-998	64	8	identifying	identify	VERB
cana-998	64	9	the	the	DET
cana-998	64	10	most	most	ADV
cana-998	64	11	suitable	suitable	ADJ
cana-998	64	12	business	business	NOUN
cana-998	64	13	models	model	NOUN
cana-998	64	14	for	for	ADP
cana-998	64	15	each	each	DET
cana-998	64	16	country	country	NOUN
cana-998	64	17	,	,	PUNCT
cana-998	64	18	emerges	emerge	VERB
cana-998	64	19	as	as	ADP
cana-998	64	20	a	a	DET
cana-998	64	21	central	central	ADJ
cana-998	64	22	challenge	challenge	NOUN
cana-998	64	23	in	in	ADP
cana-998	64	24	this	this	DET
cana-998	64	25	field	field	NOUN
cana-998	64	26	.	.	PUNCT
cana-998	65	1	it	it	PRON
cana-998	65	2	serves	serve	VERB
cana-998	65	3	as	as	ADP
cana-998	65	4	a	a	DET
cana-998	65	5	crucial	crucial	ADJ
cana-998	65	6	step	step	NOUN
cana-998	65	7	in	in	ADP
cana-998	65	8	formulating	formulate	VERB
cana-998	65	9	regulations	regulation	NOUN
cana-998	65	10	that	that	PRON
cana-998	65	11	can	can	AUX
cana-998	65	12	effectively	effectively	ADV
cana-998	65	13	keep	keep	VERB
cana-998	65	14	pace	pace	NOUN
cana-998	65	15	with	with	ADP
cana-998	65	16	technological	technological	ADJ
cana-998	65	17	advancements	advancement	NOUN
cana-998	65	18	.	.	PUNCT
cana-998	66	1	cybersecurity	cybersecurity	NOUN
cana-998	66	2	and	and	CCONJ
cana-998	66	3	information	information	NOUN
cana-998	66	4	infrastructure	infrastructure	NOUN
cana-998	66	5	must	must	AUX
cana-998	66	6	continually	continually	ADV
cana-998	66	7	evolve	evolve	VERB
cana-998	66	8	to	to	PART
cana-998	66	9	support	support	VERB
cana-998	66	10	the	the	DET
cana-998	66	11	vast	vast	ADJ
cana-998	66	12	amounts	amount	NOUN
cana-998	66	13	of	of	ADP
cana-998	66	14	data	datum	NOUN
cana-998	66	15	,	,	PUNCT
cana-998	66	16	including	include	VERB
cana-998	66	17	sensitive	sensitive	ADJ
cana-998	66	18	personal	personal	ADJ
cana-998	66	19	information	information	NOUN
cana-998	66	20	,	,	PUNCT
cana-998	66	21	utilized	utilize	VERB
cana-998	66	22	in	in	ADP
cana-998	66	23	fintech	fintech	NOUN
cana-998	66	24	operations	operation	NOUN
cana-998	66	25	.	.	PUNCT
cana-998	67	1	emerging	emerge	VERB
cana-998	67	2	technologies	technology	NOUN
cana-998	67	3	like	like	ADP
cana-998	67	4	robot	robot	NOUN
cana-998	67	5	advisors	advisor	NOUN
cana-998	67	6	,	,	PUNCT
cana-998	67	7	big	big	ADJ
cana-998	67	8	data	datum	NOUN
cana-998	67	9	,	,	PUNCT
cana-998	67	10	and	and	CCONJ
cana-998	67	11	ai	ai	PROPN
cana-998	67	12	are	be	AUX
cana-998	67	13	bolstered	bolster	VERB
cana-998	67	14	by	by	ADP
cana-998	67	15	advancements	advancement	NOUN
cana-998	67	16	in	in	ADP
cana-998	67	17	internet	internet	NOUN
cana-998	67	18	connectivity	connectivity	NOUN
cana-998	67	19	and	and	CCONJ
cana-998	67	20	smartphone	smartphone	NOUN
cana-998	67	21	capabilities	capability	NOUN
cana-998	67	22	(	(	PUNCT
cana-998	67	23	suryono	suryono	X
cana-998	67	24	,	,	PUNCT
cana-998	67	25	r.r	r.r	PROPN
cana-998	67	26	.	.	PROPN
cana-998	67	27	;	;	PUNCT
cana-998	67	28	budi	budi	PROPN
cana-998	67	29	,	,	PUNCT
cana-998	67	30	i.	i.	PROPN
cana-998	67	31	;	;	PUNCT
cana-998	67	32	purwandari	purwandari	NOUN
cana-998	67	33	,	,	PUNCT
cana-998	67	34	b	b	PROPN
cana-998	67	35	2020	2020	NUM
cana-998	67	36	)	)	PUNCT
cana-998	67	37	.	.	PUNCT
cana-998	68	1	a	a	DET
cana-998	68	2	study	study	NOUN
cana-998	68	3	conducted	conduct	VERB
cana-998	68	4	in	in	ADP
cana-998	68	5	malaysia	malaysia	PROPN
cana-998	68	6	,	,	PUNCT
cana-998	68	7	as	as	SCONJ
cana-998	68	8	detailed	detail	VERB
cana-998	68	9	by	by	ADP
cana-998	68	10	abdul	abdul	PROPN
cana-998	68	11	-	-	PUNCT
cana-998	68	12	rahim	rahim	PROPN
cana-998	68	13	,	,	PUNCT
cana-998	68	14	r.	r.	PROPN
cana-998	68	15	;	;	PUNCT
cana-998	68	16	bohari	bohari	PROPN
cana-998	68	17	,	,	PUNCT
cana-998	68	18	s.a	s.a	PROPN
cana-998	68	19	.	.	PROPN
cana-998	68	20	;	;	PUNCT
cana-998	68	21	aman	aman	NOUN
cana-998	68	22	,	,	PUNCT
cana-998	68	23	a.	a.	NOUN
cana-998	68	24	(	(	PUNCT
cana-998	68	25	2022	2022	NUM
cana-998	68	26	)	)	PUNCT
cana-998	68	27	,	,	PUNCT
cana-998	68	28	highlights	highlight	VERB
cana-998	68	29	the	the	DET
cana-998	68	30	role	role	NOUN
cana-998	68	31	of	of	ADP
cana-998	68	32	fintech	fintech	NOUN
cana-998	68	33	in	in	ADP
cana-998	68	34	promoting	promote	VERB
cana-998	68	35	financial	financial	ADJ
cana-998	68	36	inclusion	inclusion	NOUN
cana-998	68	37	.	.	PUNCT
cana-998	69	1	fintech	fintech	NOUN
cana-998	69	2	initiatives	initiative	NOUN
cana-998	69	3	facilitate	facilitate	VERB
cana-998	69	4	access	access	NOUN
cana-998	69	5	to	to	ADP
cana-998	69	6	affordable	affordable	ADJ
cana-998	69	7	and	and	CCONJ
cana-998	69	8	convenient	convenient	ADJ
cana-998	69	9	financing	financing	NOUN
cana-998	69	10	for	for	ADP
cana-998	69	11	unbanked	unbanked	ADJ
cana-998	69	12	and	and	CCONJ
cana-998	69	13	underbanked	underbanked	ADJ
cana-998	69	14	consumers	consumer	NOUN
cana-998	69	15	,	,	PUNCT
cana-998	69	16	particularly	particularly	ADV
cana-998	69	17	low	low	ADJ
cana-998	69	18	-	-	PUNCT
cana-998	69	19	income	income	NOUN
cana-998	69	20	households	household	NOUN
cana-998	69	21	and	and	CCONJ
cana-998	69	22	minority	minority	NOUN
cana-998	69	23	groups	group	NOUN
cana-998	69	24	,	,	PUNCT
cana-998	69	25	thus	thus	ADV
cana-998	69	26	enhancing	enhance	VERB
cana-998	69	27	their	their	PRON
cana-998	69	28	economic	economic	ADJ
cana-998	69	29	opportunities	opportunity	NOUN
cana-998	69	30	.	.	PUNCT
cana-998	70	1	these	these	DET
cana-998	70	2	services	service	NOUN
cana-998	70	3	contribute	contribute	VERB
cana-998	70	4	to	to	ADP
cana-998	70	5	cost	cost	NOUN
cana-998	70	6	reduction	reduction	NOUN
cana-998	70	7	,	,	PUNCT
cana-998	70	8	enhance	enhance	VERB
cana-998	70	9	the	the	DET
cana-998	70	10	quality	quality	NOUN
cana-998	70	11	of	of	ADP
cana-998	70	12	financial	financial	ADJ
cana-998	70	13	services	service	NOUN
cana-998	70	14	,	,	PUNCT
cana-998	70	15	boost	boost	VERB
cana-998	70	16	employment	employment	NOUN
cana-998	70	17	rates	rate	NOUN
cana-998	70	18	,	,	PUNCT
cana-998	70	19	and	and	CCONJ
cana-998	70	20	alleviate	alleviate	VERB
cana-998	70	21	poverty	poverty	NOUN
cana-998	70	22	by	by	ADP
cana-998	70	23	lowering	lower	VERB
cana-998	70	24	transaction	transaction	NOUN
cana-998	70	25	costs	cost	NOUN
cana-998	70	26	.	.	PUNCT
cana-998	71	1	this	this	PRON
cana-998	71	2	,	,	PUNCT
cana-998	71	3	in	in	ADP
cana-998	71	4	turn	turn	NOUN
cana-998	71	5	,	,	PUNCT
cana-998	71	6	fosters	foster	VERB
cana-998	71	7	growth	growth	NOUN
cana-998	71	8	in	in	ADP
cana-998	71	9	both	both	CCONJ
cana-998	71	10	personal	personal	ADJ
cana-998	71	11	and	and	CCONJ
cana-998	71	12	professional	professional	ADJ
cana-998	71	13	spheres	sphere	NOUN
cana-998	71	14	,	,	PUNCT
cana-998	71	15	providing	provide	VERB
cana-998	71	16	financial	financial	ADJ
cana-998	71	17	access	access	NOUN
cana-998	71	18	through	through	ADP
cana-998	71	19	avenues	avenue	NOUN
cana-998	71	20	such	such	ADJ
cana-998	71	21	as	as	ADP
cana-998	71	22	microfinance	microfinance	NOUN
cana-998	71	23	and	and	CCONJ
cana-998	71	24	crowdfunding	crowdfunding	NOUN
cana-998	71	25	.	.	PUNCT
cana-998	72	1	3	3	X
cana-998	72	2	.	.	X
cana-998	72	3	research	research	NOUN
cana-998	72	4	methodology	methodology	NOUN
cana-998	72	5	:	:	PUNCT
cana-998	72	6	this	this	DET
cana-998	72	7	study	study	NOUN
cana-998	72	8	employs	employ	VERB
cana-998	72	9	a	a	DET
cana-998	72	10	descriptive	descriptive	ADJ
cana-998	72	11	research	research	NOUN
cana-998	72	12	approach	approach	NOUN
cana-998	72	13	to	to	PART
cana-998	72	14	explore	explore	VERB
cana-998	72	15	the	the	DET
cana-998	72	16	patterns	pattern	NOUN
cana-998	72	17	of	of	ADP
cana-998	72	18	fintech	fintech	NOUN
cana-998	72	19	service	service	NOUN
cana-998	72	20	adoption	adoption	NOUN
cana-998	72	21	within	within	ADP
cana-998	72	22	rural	rural	ADJ
cana-998	72	23	populations	population	NOUN
cana-998	72	24	in	in	ADP
cana-998	72	25	tirupati	tirupati	PROPN
cana-998	72	26	.	.	PUNCT
cana-998	73	1	the	the	DET
cana-998	73	2	research	research	NOUN
cana-998	73	3	model	model	NOUN
cana-998	73	4	aims	aim	VERB
cana-998	73	5	to	to	PART
cana-998	73	6	investigate	investigate	VERB
cana-998	73	7	the	the	DET
cana-998	73	8	correlation	correlation	NOUN
cana-998	73	9	between	between	ADP
cana-998	73	10	fintech	fintech	NOUN
cana-998	73	11	service	service	NOUN
cana-998	73	12	adoption	adoption	NOUN
cana-998	73	13	and	and	CCONJ
cana-998	73	14	rural	rural	ADJ
cana-998	73	15	residents	resident	NOUN
cana-998	73	16	'	'	PART
cana-998	73	17	characteristics	characteristic	NOUN
cana-998	73	18	.	.	PUNCT
cana-998	74	1	3.1	3.1	NUM
cana-998	74	2	research	research	NOUN
cana-998	74	3	gap	gap	NOUN
cana-998	74	4	identified	identify	VERB
cana-998	74	5	research	research	NOUN
cana-998	74	6	gaps	gap	NOUN
cana-998	74	7	indicate	indicate	VERB
cana-998	74	8	the	the	DET
cana-998	74	9	necessity	necessity	NOUN
cana-998	74	10	for	for	ADP
cana-998	74	11	further	further	ADJ
cana-998	74	12	exploration	exploration	NOUN
cana-998	74	13	into	into	ADP
cana-998	74	14	the	the	DET
cana-998	74	15	accessibility	accessibility	NOUN
cana-998	74	16	,	,	PUNCT
cana-998	74	17	awareness	awareness	NOUN
cana-998	74	18	,	,	PUNCT
cana-998	74	19	and	and	CCONJ
cana-998	74	20	impact	impact	NOUN
cana-998	74	21	of	of	ADP
cana-998	74	22	fintech	fintech	NOUN
cana-998	74	23	services	service	NOUN
cana-998	74	24	on	on	ADP
cana-998	74	25	financial	financial	ADJ
cana-998	74	26	behaviors	behavior	NOUN
cana-998	74	27	,	,	PUNCT
cana-998	74	28	transaction	transaction	NOUN
cana-998	74	29	trends	trend	NOUN
cana-998	74	30	,	,	PUNCT
cana-998	74	31	and	and	CCONJ
cana-998	74	32	overall	overall	ADJ
cana-998	74	33	financial	financial	ADJ
cana-998	74	34	wellbeing	wellbeing	NOUN
cana-998	74	35	within	within	ADP
cana-998	74	36	rural	rural	ADJ
cana-998	74	37	communities	community	NOUN
cana-998	74	38	.	.	PUNCT
cana-998	75	1	3.2	3.2	NUM
cana-998	75	2	research	research	NOUN
cana-998	75	3	design	design	NOUN
cana-998	75	4	sampling	sampling	NOUN
cana-998	75	5	:	:	PUNCT
cana-998	75	6	the	the	DET
cana-998	75	7	sample	sample	NOUN
cana-998	75	8	will	will	AUX
cana-998	75	9	comprise	comprise	VERB
cana-998	75	10	residents	resident	NOUN
cana-998	75	11	from	from	ADP
cana-998	75	12	diverse	diverse	ADJ
cana-998	75	13	rural	rural	ADJ
cana-998	75	14	areas	area	NOUN
cana-998	75	15	within	within	ADP
cana-998	75	16	tirupati	tirupati	PROPN
cana-998	75	17	district	district	PROPN
cana-998	75	18	,	,	PUNCT
cana-998	75	19	ensuring	ensure	VERB
cana-998	75	20	representation	representation	NOUN
cana-998	75	21	across	across	ADP
cana-998	75	22	various	various	ADJ
cana-998	75	23	socio	socio	NOUN
cana-998	75	24	-	-	PUNCT
cana-998	75	25	economic	economic	ADJ
cana-998	75	26	backgrounds	background	NOUN
cana-998	75	27	,	,	PUNCT
cana-998	75	28	age	age	NOUN
cana-998	75	29	groups	group	NOUN
cana-998	75	30	,	,	PUNCT
cana-998	75	31	and	and	CCONJ
cana-998	75	32	occupations	occupation	NOUN
cana-998	75	33	.	.	PUNCT
cana-998	76	1	primary	primary	ADJ
cana-998	76	2	data	data	NOUN
cana-998	76	3	collection	collection	NOUN
cana-998	76	4	will	will	AUX
cana-998	76	5	involve	involve	VERB
cana-998	76	6	administering	administer	VERB
cana-998	76	7	structured	structured	ADJ
cana-998	76	8	questionnaires	questionnaire	NOUN
cana-998	76	9	to	to	ADP
cana-998	76	10	217	217	NUM
cana-998	76	11	rural	rural	ADJ
cana-998	76	12	women	woman	NOUN
cana-998	76	13	in	in	ADP
cana-998	76	14	tirupati	tirupati	PROPN
cana-998	76	15	district	district	PROPN
cana-998	76	16	.	.	PUNCT
cana-998	77	1	3.3	3.3	NUM
cana-998	77	2	sampling	sample	VERB
cana-998	77	3	technique	technique	NOUN
cana-998	77	4	:	:	PUNCT
cana-998	77	5	random	random	ADJ
cana-998	77	6	sampling	sampling	NOUN
cana-998	77	7	techniques	technique	NOUN
cana-998	77	8	will	will	AUX
cana-998	77	9	be	be	AUX
cana-998	77	10	utilized	utilize	VERB
cana-998	77	11	to	to	PART
cana-998	77	12	select	select	VERB
cana-998	77	13	participants	participant	NOUN
cana-998	77	14	from	from	ADP
cana-998	77	15	different	different	ADJ
cana-998	77	16	villages	village	NOUN
cana-998	77	17	or	or	CCONJ
cana-998	77	18	localities	locality	NOUN
cana-998	77	19	within	within	ADP
cana-998	77	20	the	the	DET
cana-998	77	21	district	district	NOUN
cana-998	77	22	,	,	PUNCT
cana-998	77	23	ensuring	ensure	VERB
cana-998	77	24	impartial	impartial	ADJ
cana-998	77	25	representation	representation	NOUN
cana-998	77	26	.	.	PUNCT
cana-998	78	1	3.3.1	3.3.1	NUM
cana-998	78	2	data	data	NOUN
cana-998	78	3	collection	collection	NOUN
cana-998	78	4	:	:	PUNCT
cana-998	78	5	surveys	survey	NOUN
cana-998	78	6	:	:	PUNCT
cana-998	78	7	structured	structured	ADJ
cana-998	78	8	questionnaires	questionnaire	NOUN
cana-998	78	9	will	will	AUX
cana-998	78	10	be	be	AUX
cana-998	78	11	crafted	craft	VERB
cana-998	78	12	to	to	PART
cana-998	78	13	gather	gather	VERB
cana-998	78	14	quantitative	quantitative	ADJ
cana-998	78	15	data	datum	NOUN
cana-998	78	16	on	on	ADP
cana-998	78	17	fintech	fintech	NOUN
cana-998	78	18	service	service	NOUN
cana-998	78	19	adoption	adoption	NOUN
cana-998	78	20	,	,	PUNCT
cana-998	78	21	usage	usage	NOUN
cana-998	78	22	patterns	pattern	NOUN
cana-998	78	23	,	,	PUNCT
cana-998	78	24	preferences	preference	NOUN
cana-998	78	25	,	,	PUNCT
cana-998	78	26	and	and	CCONJ
cana-998	78	27	perceptions	perception	NOUN
cana-998	78	28	among	among	ADP
cana-998	78	29	rural	rural	ADJ
cana-998	78	30	residents	resident	NOUN
cana-998	78	31	.	.	PUNCT
cana-998	79	1	3.3.2	3.3.2	NUM
cana-998	79	2	interviews	interview	NOUN
cana-998	79	3	/	/	SYM
cana-998	79	4	focus	focus	NOUN
cana-998	79	5	group	group	NOUN
cana-998	79	6	discussions	discussion	NOUN
cana-998	79	7	:	:	PUNCT
cana-998	79	8	qualitative	qualitative	ADJ
cana-998	79	9	data	datum	NOUN
cana-998	79	10	will	will	AUX
cana-998	79	11	be	be	AUX
cana-998	79	12	collected	collect	VERB
cana-998	79	13	through	through	ADP
cana-998	79	14	interviews	interview	NOUN
cana-998	79	15	or	or	CCONJ
cana-998	79	16	focus	focus	VERB
cana-998	79	17	group	group	NOUN
cana-998	79	18	discussions	discussion	NOUN
cana-998	79	19	to	to	PART
cana-998	79	20	delve	delve	VERB
cana-998	79	21	into	into	ADP
cana-998	79	22	the	the	DET
cana-998	79	23	factors	factor	NOUN
cana-998	79	24	influencing	influence	VERB
cana-998	79	25	fintech	fintech	NOUN
cana-998	79	26	adoption	adoption	NOUN
cana-998	79	27	and	and	CCONJ
cana-998	79	28	usage	usage	NOUN
cana-998	79	29	behaviors	behavior	NOUN
cana-998	79	30	in	in	ADP
cana-998	79	31	depth	depth	NOUN
cana-998	79	32	.	.	PUNCT
cana-998	80	1	communications	communication	NOUN
cana-998	80	2	on	on	ADP
cana-998	80	3	applied	apply	VERB
cana-998	80	4	nonlinear	nonlinear	ADJ
cana-998	80	5	analysis	analysis	NOUN
cana-998	80	6	issn	issn	NOUN
cana-998	80	7	:	:	PUNCT
cana-998	80	8	1074	1074	NUM
cana-998	80	9	-	-	PUNCT
cana-998	80	10	133x	133x	NUM
cana-998	80	11	vol	vol	NOUN
cana-998	80	12	31	31	NUM
cana-998	80	13	no	no	NOUN
cana-998	80	14	.	.	PUNCT
cana-998	81	1	5s	5s	NUM
cana-998	81	2	(	(	PUNCT
cana-998	81	3	2024	2024	NUM
cana-998	81	4	)	)	PUNCT
cana-998	81	5	43	43	NUM
cana-998	81	6	https://internationalpubls.com	https://internationalpubls.com	X
cana-998	81	7	3.4	3.4	NUM
cana-998	81	8	objectives	objective	NOUN
cana-998	81	9	of	of	ADP
cana-998	81	10	study	study	NOUN
cana-998	81	11	:	:	PUNCT
cana-998	81	12	a	a	X
cana-998	81	13	)	)	PUNCT
cana-998	81	14	to	to	PART
cana-998	81	15	analyse	analyse	VERB
cana-998	81	16	the	the	DET
cana-998	81	17	demographic	demographic	ADJ
cana-998	81	18	profile	profile	NOUN
cana-998	81	19	of	of	ADP
cana-998	81	20	rural	rural	ADJ
cana-998	81	21	respondents	respondent	NOUN
cana-998	81	22	.	.	PUNCT
cana-998	82	1	b	b	X
cana-998	82	2	)	)	PUNCT
cana-998	82	3	to	to	PART
cana-998	82	4	assess	assess	VERB
cana-998	82	5	the	the	DET
cana-998	82	6	adoption	adoption	NOUN
cana-998	82	7	of	of	ADP
cana-998	82	8	fintech	fintech	NOUN
cana-998	82	9	among	among	ADP
cana-998	82	10	rural	rural	ADJ
cana-998	82	11	residents	resident	NOUN
cana-998	82	12	of	of	ADP
cana-998	82	13	tirupati	tirupati	ADJ
cana-998	82	14	.	.	PUNCT
cana-998	83	1	c	c	X
cana-998	83	2	)	)	PUNCT
cana-998	83	3	to	to	PART
cana-998	83	4	identify	identify	VERB
cana-998	83	5	the	the	DET
cana-998	83	6	challenges	challenge	NOUN
cana-998	83	7	faced	face	VERB
cana-998	83	8	by	by	ADP
cana-998	83	9	fintech	fintech	NOUN
cana-998	83	10	users	user	NOUN
cana-998	83	11	in	in	ADP
cana-998	83	12	rural	rural	ADJ
cana-998	83	13	tirupati	tirupati	NOUN
cana-998	83	14	.	.	PUNCT
cana-998	84	1	3.5	3.5	NUM
cana-998	84	2	hypothesis	hypothesis	NOUN
cana-998	84	3	h1	h1	PROPN
cana-998	84	4	:	:	PUNCT
cana-998	84	5	the	the	DET
cana-998	84	6	rural	rural	ADJ
cana-998	84	7	respondents	respondent	NOUN
cana-998	84	8	of	of	ADP
cana-998	84	9	demographical	demographical	ADJ
cana-998	84	10	factors	factor	NOUN
cana-998	84	11	such	such	ADJ
cana-998	84	12	as	as	ADP
cana-998	84	13	age	age	NOUN
cana-998	84	14	,	,	PUNCT
cana-998	84	15	gender	gender	NOUN
cana-998	84	16	,	,	PUNCT
cana-998	84	17	educational	educational	ADJ
cana-998	84	18	status	status	NOUN
cana-998	84	19	,	,	PUNCT
cana-998	84	20	economic	economic	ADJ
cana-998	84	21	status	status	NOUN
cana-998	84	22	and	and	CCONJ
cana-998	84	23	annual	annual	ADJ
cana-998	84	24	income	income	NOUN
cana-998	84	25	on	on	ADP
cana-998	84	26	usage	usage	NOUN
cana-998	84	27	of	of	ADP
cana-998	84	28	fintech	fintech	NOUN
cana-998	84	29	services	service	NOUN
cana-998	84	30	.	.	PUNCT
cana-998	85	1	h2	h2	NOUN
cana-998	85	2	:	:	PUNCT
cana-998	85	3	the	the	DET
cana-998	85	4	rural	rural	ADJ
cana-998	85	5	respondents	respondent	NOUN
cana-998	85	6	of	of	ADP
cana-998	85	7	demographical	demographical	ADJ
cana-998	85	8	factors	factor	NOUN
cana-998	85	9	such	such	ADJ
cana-998	85	10	as	as	ADP
cana-998	85	11	age	age	NOUN
cana-998	85	12	,	,	PUNCT
cana-998	85	13	gender	gender	NOUN
cana-998	85	14	,	,	PUNCT
cana-998	85	15	educational	educational	ADJ
cana-998	85	16	status	status	NOUN
cana-998	85	17	,	,	PUNCT
cana-998	85	18	economic	economic	ADJ
cana-998	85	19	status	status	NOUN
cana-998	85	20	and	and	CCONJ
cana-998	85	21	annual	annual	ADJ
cana-998	85	22	income	income	NOUN
cana-998	85	23	influence	influence	NOUN
cana-998	85	24	factors	factor	NOUN
cana-998	85	25	on	on	ADP
cana-998	85	26	of	of	ADP
cana-998	85	27	fintech	fintech	NOUN
cana-998	85	28	services	service	NOUN
cana-998	85	29	.	.	PUNCT
cana-998	86	1	h3	h3	NOUN
cana-998	86	2	:	:	PUNCT
cana-998	86	3	the	the	DET
cana-998	86	4	rural	rural	ADJ
cana-998	86	5	respondents	respondent	NOUN
cana-998	86	6	of	of	ADP
cana-998	86	7	demographical	demographical	ADJ
cana-998	86	8	factors	factor	NOUN
cana-998	86	9	such	such	ADJ
cana-998	86	10	as	as	ADP
cana-998	86	11	age	age	NOUN
cana-998	86	12	,	,	PUNCT
cana-998	86	13	gender	gender	NOUN
cana-998	86	14	,	,	PUNCT
cana-998	86	15	educational	educational	ADJ
cana-998	86	16	status	status	NOUN
cana-998	86	17	,	,	PUNCT
cana-998	86	18	economic	economic	ADJ
cana-998	86	19	status	status	NOUN
cana-998	86	20	and	and	CCONJ
cana-998	86	21	annual	annual	ADJ
cana-998	86	22	income	income	NOUN
cana-998	86	23	on	on	ADP
cana-998	86	24	risk	risk	NOUN
cana-998	86	25	of	of	ADP
cana-998	86	26	the	the	DET
cana-998	86	27	using	use	VERB
cana-998	86	28	fintech	fintech	NOUN
cana-998	86	29	services	service	NOUN
cana-998	86	30	4	4	NUM
cana-998	86	31	.	.	PUNCT
cana-998	86	32	results	result	NOUN
cana-998	86	33	table	table	VERB
cana-998	86	34	no	no	DET
cana-998	86	35	.	.	PROPN
cana-998	86	36	4.1	4.1	NUM
cana-998	86	37	demographical	demographical	ADJ
cana-998	86	38	profile	profile	NOUN
cana-998	86	39	of	of	ADP
cana-998	86	40	the	the	DET
cana-998	86	41	respondents	respondent	NOUN
cana-998	86	42	age	age	NOUN
cana-998	86	43	frequency	frequency	NOUN
cana-998	86	44	percent	percent	NOUN
cana-998	86	45	<	<	X
cana-998	86	46	20	20	NUM
cana-998	86	47	44	44	NUM
cana-998	86	48	20.3	20.3	NUM
cana-998	86	49	21	21	NUM
cana-998	86	50	-	-	SYM
cana-998	86	51	30	30	NUM
cana-998	86	52	58	58	NUM
cana-998	86	53	26.7	26.7	NUM
cana-998	86	54	31	31	NUM
cana-998	86	55	-	-	SYM
cana-998	86	56	40	40	NUM
cana-998	86	57	43	43	NUM
cana-998	86	58	19.8	19.8	NUM
cana-998	86	59	>	>	SYM
cana-998	86	60	41	41	NUM
cana-998	86	61	72	72	NUM
cana-998	86	62	33.2	33.2	NUM
cana-998	86	63	total	total	NOUN
cana-998	86	64	217	217	NUM
cana-998	86	65	100	100	NUM
cana-998	86	66	gender	gender	NOUN
cana-998	86	67	frequency	frequency	NOUN
cana-998	86	68	percent	percent	NOUN
cana-998	86	69	male	male	NOUN
cana-998	86	70	107	107	NUM
cana-998	86	71	49.3	49.3	NUM
cana-998	86	72	female	female	NOUN
cana-998	86	73	110	110	NUM
cana-998	86	74	50.7	50.7	NUM
cana-998	86	75	total	total	NOUN
cana-998	86	76	217	217	NUM
cana-998	86	77	100	100	NUM
cana-998	86	78	education	education	NOUN
cana-998	86	79	level	level	NOUN
cana-998	86	80	frequency	frequency	NOUN
cana-998	86	81	percent	percent	NOUN
cana-998	86	82	illiterate	illiterate	ADJ
cana-998	86	83	36	36	NUM
cana-998	86	84	16.6	16.6	NUM
cana-998	86	85	matric	matric	NOUN
cana-998	86	86	48	48	NUM
cana-998	86	87	22.1	22.1	NUM
cana-998	86	88	intermediate	intermediate	ADJ
cana-998	86	89	22	22	NUM
cana-998	86	90	10.1	10.1	NUM
cana-998	86	91	graduation	graduation	NOUN
cana-998	86	92	89	89	NUM
cana-998	86	93	41	41	NUM
cana-998	86	94	post	post	ADJ
cana-998	86	95	-	-	NOUN
cana-998	86	96	graduation	graduation	ADJ
cana-998	86	97	22	22	NUM
cana-998	86	98	10.1	10.1	NUM
cana-998	86	99	total	total	NOUN
cana-998	86	100	217	217	NUM
cana-998	86	101	100	100	NUM
cana-998	86	102	employment	employment	NOUN
cana-998	86	103	status	status	NOUN
cana-998	86	104	frequency	frequency	NOUN
cana-998	86	105	percent	percent	NOUN
cana-998	86	106	student	student	NOUN
cana-998	86	107	57	57	NUM
cana-998	86	108	26.3	26.3	NUM
cana-998	86	109	wage	wage	NOUN
cana-998	86	110	workers	worker	NOUN
cana-998	86	111	52	52	NUM
cana-998	86	112	24	24	NUM
cana-998	86	113	salary	salary	NOUN
cana-998	86	114	person	person	NOUN
cana-998	86	115	23	23	NUM
cana-998	86	116	10.6	10.6	NUM
cana-998	86	117	business	business	NOUN
cana-998	86	118	owner	owner	NOUN
cana-998	86	119	73	73	NUM
cana-998	86	120	33.6	33.6	NUM
cana-998	86	121	agriculture	agriculture	NOUN
cana-998	86	122	12	12	NUM
cana-998	86	123	5.5	5.5	NUM
cana-998	86	124	total	total	NOUN
cana-998	86	125	217	217	NUM
cana-998	86	126	100	100	NUM
cana-998	86	127	annual	annual	ADJ
cana-998	86	128	income	income	NOUN
cana-998	86	129	communications	communication	NOUN
cana-998	86	130	on	on	ADP
cana-998	86	131	applied	apply	VERB
cana-998	86	132	nonlinear	nonlinear	ADJ
cana-998	86	133	analysis	analysis	NOUN
cana-998	86	134	issn	issn	NOUN
cana-998	86	135	:	:	PUNCT
cana-998	86	136	1074	1074	NUM
cana-998	86	137	-	-	PUNCT
cana-998	86	138	133x	133x	NUM
cana-998	86	139	vol	vol	NOUN
cana-998	86	140	31	31	NUM
cana-998	86	141	no	no	NOUN
cana-998	86	142	.	.	PUNCT
cana-998	87	1	5s	5s	NUM
cana-998	87	2	(	(	PUNCT
cana-998	87	3	2024	2024	NUM
cana-998	87	4	)	)	PUNCT
cana-998	87	5	44	44	NUM
cana-998	87	6	https://internationalpubls.com	https://internationalpubls.com	X
cana-998	87	7	frequency	frequency	NOUN
cana-998	87	8	percent	percent	NOUN
cana-998	87	9	below	below	ADP
cana-998	87	10	-1,00,000	-1,00,000	NUM
cana-998	87	11	40	40	NUM
cana-998	87	12	18.4	18.4	NUM
cana-998	87	13	1,00,0002,00,000	1,00,0002,00,000	NUM
cana-998	87	14	77	77	NUM
cana-998	87	15	35.5	35.5	NUM
cana-998	87	16	2,00,000	2,00,000	NUM
cana-998	87	17	3,00,000	3,00,000	NUM
cana-998	87	18	48	48	NUM
cana-998	87	19	22.1	22.1	NUM
cana-998	87	20	above	above	ADP
cana-998	87	21	3,00,000	3,00,000	NUM
cana-998	87	22	52	52	NUM
cana-998	87	23	24	24	NUM
cana-998	87	24	total	total	NOUN
cana-998	87	25	217	217	NUM
cana-998	87	26	100	100	NUM
cana-998	87	27	source	source	NOUN
cana-998	87	28	:	:	PUNCT
cana-998	87	29	primary	primary	ADJ
cana-998	87	30	data	datum	NOUN
cana-998	87	31	the	the	DET
cana-998	87	32	table	table	NOUN
cana-998	87	33	no	no	INTJ
cana-998	87	34	.	.	PROPN
cana-998	87	35	4.1	4.1	NUM
cana-998	87	36	shows	show	VERB
cana-998	87	37	that	that	SCONJ
cana-998	87	38	,	,	PUNCT
cana-998	87	39	firstly	firstly	ADV
cana-998	87	40	,	,	PUNCT
cana-998	87	41	in	in	ADP
cana-998	87	42	terms	term	NOUN
cana-998	87	43	of	of	ADP
cana-998	87	44	age	age	NOUN
cana-998	87	45	distribution	distribution	NOUN
cana-998	87	46	,	,	PUNCT
cana-998	87	47	the	the	DET
cana-998	87	48	majority	majority	NOUN
cana-998	87	49	of	of	ADP
cana-998	87	50	the	the	DET
cana-998	87	51	surveyed	survey	VERB
cana-998	87	52	population	population	NOUN
cana-998	87	53	falls	fall	VERB
cana-998	87	54	within	within	ADP
cana-998	87	55	the	the	DET
cana-998	87	56	older	old	ADJ
cana-998	87	57	age	age	NOUN
cana-998	87	58	brackets	bracket	NOUN
cana-998	87	59	,	,	PUNCT
cana-998	87	60	with	with	ADP
cana-998	87	61	33.2	33.2	NUM
cana-998	87	62	%	%	NOUN
cana-998	87	63	being	be	AUX
cana-998	87	64	over	over	ADP
cana-998	87	65	the	the	DET
cana-998	87	66	age	age	NOUN
cana-998	87	67	of	of	ADP
cana-998	87	68	41	41	NUM
cana-998	87	69	.	.	PUNCT
cana-998	88	1	this	this	PRON
cana-998	88	2	suggests	suggest	VERB
cana-998	88	3	that	that	SCONJ
cana-998	88	4	the	the	DET
cana-998	88	5	population	population	NOUN
cana-998	88	6	sample	sample	NOUN
cana-998	88	7	is	be	AUX
cana-998	88	8	relatively	relatively	ADV
cana-998	88	9	mature	mature	ADJ
cana-998	88	10	,	,	PUNCT
cana-998	88	11	potentially	potentially	ADV
cana-998	88	12	indicating	indicate	VERB
cana-998	88	13	a	a	DET
cana-998	88	14	higher	high	ADJ
cana-998	88	15	level	level	NOUN
cana-998	88	16	of	of	ADP
cana-998	88	17	life	life	NOUN
cana-998	88	18	experience	experience	NOUN
cana-998	88	19	and	and	CCONJ
cana-998	88	20	possibly	possibly	ADV
cana-998	88	21	differing	differ	VERB
cana-998	88	22	needs	need	NOUN
cana-998	88	23	compared	compare	VERB
cana-998	88	24	to	to	ADP
cana-998	88	25	younger	young	ADJ
cana-998	88	26	demographics	demographic	NOUN
cana-998	88	27	.	.	PUNCT
cana-998	89	1	gender	gender	NOUN
cana-998	89	2	distribution	distribution	NOUN
cana-998	89	3	appears	appear	VERB
cana-998	89	4	to	to	PART
cana-998	89	5	be	be	AUX
cana-998	89	6	almost	almost	ADV
cana-998	89	7	evenly	evenly	ADV
cana-998	89	8	split	split	NOUN
cana-998	89	9	,	,	PUNCT
cana-998	89	10	with	with	ADP
cana-998	89	11	a	a	DET
cana-998	89	12	slight	slight	ADJ
cana-998	89	13	skew	skew	NOUN
cana-998	89	14	towards	towards	ADP
cana-998	89	15	females	female	NOUN
cana-998	89	16	comprising	comprise	VERB
cana-998	89	17	50.7	50.7	NUM
cana-998	89	18	%	%	NOUN
cana-998	89	19	of	of	ADP
cana-998	89	20	the	the	DET
cana-998	89	21	sample	sample	NOUN
cana-998	89	22	.	.	PUNCT
cana-998	90	1	this	this	DET
cana-998	90	2	balanced	balanced	ADJ
cana-998	90	3	gender	gender	NOUN
cana-998	90	4	representation	representation	NOUN
cana-998	90	5	indicates	indicate	VERB
cana-998	90	6	that	that	SCONJ
cana-998	90	7	the	the	DET
cana-998	90	8	study	study	NOUN
cana-998	90	9	captures	capture	VERB
cana-998	90	10	insights	insight	NOUN
cana-998	90	11	from	from	ADP
cana-998	90	12	both	both	CCONJ
cana-998	90	13	male	male	ADJ
cana-998	90	14	and	and	CCONJ
cana-998	90	15	female	female	ADJ
cana-998	90	16	perspectives	perspective	NOUN
cana-998	90	17	,	,	PUNCT
cana-998	90	18	ensuring	ensure	VERB
cana-998	90	19	a	a	DET
cana-998	90	20	more	more	ADV
cana-998	90	21	comprehensive	comprehensive	ADJ
cana-998	90	22	analysis	analysis	NOUN
cana-998	90	23	of	of	ADP
cana-998	90	24	the	the	DET
cana-998	90	25	demographic	demographic	ADJ
cana-998	90	26	.	.	PUNCT
cana-998	91	1	education	education	NOUN
cana-998	91	2	levels	level	NOUN
cana-998	91	3	within	within	ADP
cana-998	91	4	the	the	DET
cana-998	91	5	sample	sample	NOUN
cana-998	91	6	vary	vary	VERB
cana-998	91	7	,	,	PUNCT
cana-998	91	8	with	with	ADP
cana-998	91	9	a	a	DET
cana-998	91	10	significant	significant	ADJ
cana-998	91	11	portion	portion	NOUN
cana-998	91	12	having	having	AUX
cana-998	91	13	completed	complete	VERB
cana-998	91	14	graduation	graduation	NOUN
cana-998	91	15	(	(	PUNCT
cana-998	91	16	41	41	NUM
cana-998	91	17	%	%	NOUN
cana-998	91	18	)	)	PUNCT
cana-998	91	19	,	,	PUNCT
cana-998	91	20	followed	follow	VERB
cana-998	91	21	by	by	ADP
cana-998	91	22	matric	matric	NOUN
cana-998	91	23	(	(	PUNCT
cana-998	91	24	22.1	22.1	NUM
cana-998	91	25	%	%	NOUN
cana-998	91	26	)	)	PUNCT
cana-998	91	27	and	and	CCONJ
cana-998	91	28	postgraduation	postgraduation	NOUN
cana-998	91	29	(	(	PUNCT
cana-998	91	30	10.1	10.1	NUM
cana-998	91	31	%	%	NOUN
cana-998	91	32	)	)	PUNCT
cana-998	91	33	.	.	PUNCT
cana-998	92	1	the	the	DET
cana-998	92	2	presence	presence	NOUN
cana-998	92	3	of	of	ADP
cana-998	92	4	illiterate	illiterate	ADJ
cana-998	92	5	individuals	individual	NOUN
cana-998	92	6	at	at	ADP
cana-998	92	7	16.6	16.6	NUM
cana-998	92	8	%	%	NOUN
cana-998	92	9	highlights	highlight	NOUN
cana-998	92	10	the	the	DET
cana-998	92	11	diversity	diversity	NOUN
cana-998	92	12	within	within	ADP
cana-998	92	13	the	the	DET
cana-998	92	14	sample	sample	NOUN
cana-998	92	15	,	,	PUNCT
cana-998	92	16	potentially	potentially	ADV
cana-998	92	17	reflecting	reflect	VERB
cana-998	92	18	varying	vary	VERB
cana-998	92	19	socioeconomic	socioeconomic	ADJ
cana-998	92	20	backgrounds	background	NOUN
cana-998	92	21	and	and	CCONJ
cana-998	92	22	access	access	NOUN
cana-998	92	23	to	to	ADP
cana-998	92	24	education	education	NOUN
cana-998	92	25	.	.	PUNCT
cana-998	93	1	regarding	regard	VERB
cana-998	93	2	employment	employment	NOUN
cana-998	93	3	status	status	NOUN
cana-998	93	4	,	,	PUNCT
cana-998	93	5	a	a	DET
cana-998	93	6	substantial	substantial	ADJ
cana-998	93	7	proportion	proportion	NOUN
cana-998	93	8	of	of	ADP
cana-998	93	9	respondents	respondent	NOUN
cana-998	93	10	identify	identify	VERB
cana-998	93	11	as	as	ADP
cana-998	93	12	business	business	NOUN
cana-998	93	13	owners	owner	NOUN
cana-998	93	14	(	(	PUNCT
cana-998	93	15	33.6	33.6	NUM
cana-998	93	16	%	%	NOUN
cana-998	93	17	)	)	PUNCT
cana-998	93	18	followed	follow	VERB
cana-998	93	19	by	by	ADP
cana-998	93	20	students	student	NOUN
cana-998	93	21	(	(	PUNCT
cana-998	93	22	26.3	26.3	NUM
cana-998	93	23	%	%	NOUN
cana-998	93	24	)	)	PUNCT
cana-998	93	25	and	and	CCONJ
cana-998	93	26	wage	wage	NOUN
cana-998	93	27	workers	worker	NOUN
cana-998	93	28	(	(	PUNCT
cana-998	93	29	24	24	NUM
cana-998	93	30	%	%	NOUN
cana-998	93	31	)	)	PUNCT
cana-998	93	32	.	.	PUNCT
cana-998	94	1	this	this	PRON
cana-998	94	2	suggests	suggest	VERB
cana-998	94	3	a	a	DET
cana-998	94	4	mixed	mixed	ADJ
cana-998	94	5	economic	economic	ADJ
cana-998	94	6	landscape	landscape	NOUN
cana-998	94	7	within	within	ADP
cana-998	94	8	the	the	DET
cana-998	94	9	surveyed	survey	VERB
cana-998	94	10	population	population	NOUN
cana-998	94	11	,	,	PUNCT
cana-998	94	12	with	with	ADP
cana-998	94	13	a	a	DET
cana-998	94	14	significant	significant	ADJ
cana-998	94	15	entrepreneurial	entrepreneurial	ADJ
cana-998	94	16	presence	presence	NOUN
cana-998	94	17	alongside	alongside	ADP
cana-998	94	18	individuals	individual	NOUN
cana-998	94	19	in	in	ADP
cana-998	94	20	traditional	traditional	ADJ
cana-998	94	21	employment	employment	NOUN
cana-998	94	22	roles	role	NOUN
cana-998	94	23	.	.	PUNCT
cana-998	95	1	finally	finally	ADV
cana-998	95	2	,	,	PUNCT
cana-998	95	3	annual	annual	ADJ
cana-998	95	4	income	income	NOUN
cana-998	95	5	distribution	distribution	NOUN
cana-998	95	6	showcases	showcase	VERB
cana-998	95	7	a	a	DET
cana-998	95	8	relatively	relatively	ADV
cana-998	95	9	even	even	ADV
cana-998	95	10	spread	spread	VERB
cana-998	95	11	across	across	ADP
cana-998	95	12	different	different	ADJ
cana-998	95	13	income	income	NOUN
cana-998	95	14	brackets	bracket	NOUN
cana-998	95	15	,	,	PUNCT
cana-998	95	16	with	with	ADP
cana-998	95	17	a	a	DET
cana-998	95	18	notable	notable	ADJ
cana-998	95	19	portion	portion	NOUN
cana-998	95	20	falling	fall	VERB
cana-998	95	21	within	within	ADP
cana-998	95	22	the	the	DET
cana-998	95	23	range	range	NOUN
cana-998	95	24	of	of	ADP
cana-998	95	25	1,00,000	1,00,000	NUM
cana-998	95	26	to	to	PART
cana-998	95	27	2,00,000	2,00,000	NUM
cana-998	95	28	(	(	PUNCT
cana-998	95	29	35.5	35.5	NUM
cana-998	95	30	%	%	NOUN
cana-998	95	31	)	)	PUNCT
cana-998	95	32	.	.	PUNCT
cana-998	96	1	table	table	NOUN
cana-998	96	2	no.4.2	no.4.2	ADJ
cana-998	96	3	fintech	fintech	NOUN
cana-998	96	4	usage	usage	NOUN
cana-998	96	5	aware	aware	ADJ
cana-998	96	6	of	of	ADP
cana-998	96	7	fintech	fintech	NOUN
cana-998	96	8	services	service	NOUN
cana-998	96	9	frequency	frequency	NOUN
cana-998	96	10	percent	percent	NOUN
cana-998	97	1	yes	yes	INTJ
cana-998	97	2	217	217	NUM
cana-998	97	3	100	100	NUM
cana-998	97	4	fintech	fintech	NOUN
cana-998	97	5	services	service	NOUN
cana-998	97	6	have	have	AUX
cana-998	97	7	you	you	PRON
cana-998	97	8	used	use	VERB
cana-998	97	9	or	or	CCONJ
cana-998	97	10	are	be	AUX
cana-998	97	11	currently	currently	ADV
cana-998	97	12	using	use	VERB
cana-998	97	13	.	.	PUNCT
cana-998	98	1	frequency	frequency	NOUN
cana-998	98	2	percent	percent	NOUN
cana-998	98	3	paytm	paytm	VERB
cana-998	98	4	24	24	NUM
cana-998	98	5	11.1	11.1	NUM
cana-998	98	6	mobiwik	mobiwik	NOUN
cana-998	98	7	25	25	NUM
cana-998	98	8	11.5	11.5	NUM
cana-998	98	9	airtel	airtel	NOUN
cana-998	98	10	payment	payment	NOUN
cana-998	98	11	21	21	NUM
cana-998	98	12	9.7	9.7	NUM
cana-998	98	13	bhim	bhim	PROPN
cana-998	98	14	upi	upi	PROPN
cana-998	98	15	21	21	NUM
cana-998	98	16	9.7	9.7	NUM
cana-998	98	17	sbi	sbi	PROPN
cana-998	98	18	yono	yono	PROPN
cana-998	98	19	28	28	NUM
cana-998	98	20	12.9	12.9	NUM
cana-998	98	21	phone	phone	NOUN
cana-998	98	22	pe	pe	NOUN
cana-998	98	23	34	34	NUM
cana-998	98	24	15.7	15.7	NUM
cana-998	98	25	google	google	PROPN
cana-998	98	26	pay	pay	VERB
cana-998	98	27	36	36	NUM
cana-998	98	28	16.6	16.6	NUM
cana-998	98	29	amazon	amazon	NOUN
cana-998	98	30	pay	pay	VERB
cana-998	98	31	28	28	NUM
cana-998	98	32	12.9	12.9	NUM
cana-998	98	33	total	total	NOUN
cana-998	98	34	217	217	NUM
cana-998	98	35	100	100	NUM
cana-998	98	36	frequently	frequently	ADV
cana-998	98	37	use	use	VERB
cana-998	98	38	fintech	fintech	NOUN
cana-998	98	39	services	service	NOUN
cana-998	98	40	frequency	frequency	NOUN
cana-998	98	41	percent	percent	NOUN
cana-998	98	42	daily	daily	ADJ
cana-998	98	43	55	55	NUM
cana-998	98	44	25.3	25.3	NUM
cana-998	98	45	weekly	weekly	NOUN
cana-998	98	46	73	73	NUM
cana-998	98	47	33.6	33.6	NUM
cana-998	98	48	monthly	monthly	ADJ
cana-998	98	49	59	59	NUM
cana-998	98	50	27.2	27.2	NUM
cana-998	98	51	rarely	rarely	ADV
cana-998	98	52	24	24	NUM
cana-998	98	53	11.1	11.1	NUM
cana-998	98	54	communications	communication	NOUN
cana-998	98	55	on	on	ADP
cana-998	98	56	applied	apply	VERB
cana-998	98	57	nonlinear	nonlinear	ADJ
cana-998	98	58	analysis	analysis	NOUN
cana-998	98	59	issn	issn	NOUN
cana-998	98	60	:	:	PUNCT
cana-998	98	61	1074	1074	NUM
cana-998	98	62	-	-	PUNCT
cana-998	98	63	133x	133x	NUM
cana-998	98	64	vol	vol	NOUN
cana-998	98	65	31	31	NUM
cana-998	98	66	no	no	NOUN
cana-998	98	67	.	.	PUNCT
cana-998	99	1	5s	5s	NUM
cana-998	99	2	(	(	PUNCT
cana-998	99	3	2024	2024	NUM
cana-998	99	4	)	)	PUNCT
cana-998	99	5	45	45	NUM
cana-998	99	6	https://internationalpubls.com	https://internationalpubls.com	X
cana-998	99	7	never	never	ADV
cana-998	99	8	6	6	NUM
cana-998	99	9	2.8	2.8	NUM
cana-998	99	10	total	total	NOUN
cana-998	99	11	217	217	NUM
cana-998	99	12	100	100	NUM
cana-998	99	13	source	source	NOUN
cana-998	99	14	:	:	PUNCT
cana-998	99	15	primary	primary	ADJ
cana-998	99	16	data	datum	NOUN
cana-998	99	17	table	table	NOUN
cana-998	99	18	no	no	NOUN
cana-998	99	19	.	.	PROPN
cana-998	99	20	4.2	4.2	NUM
cana-998	99	21	describe	describe	VERB
cana-998	99	22	that	that	SCONJ
cana-998	99	23	firstly	firstly	ADV
cana-998	99	24	,	,	PUNCT
cana-998	99	25	all	all	DET
cana-998	99	26	respondents	respondent	NOUN
cana-998	99	27	(	(	PUNCT
cana-998	99	28	100	100	NUM
cana-998	99	29	%	%	NOUN
cana-998	99	30	)	)	PUNCT
cana-998	99	31	are	be	AUX
cana-998	99	32	aware	aware	ADJ
cana-998	99	33	of	of	ADP
cana-998	99	34	fintech	fintech	NOUN
cana-998	99	35	services	service	NOUN
cana-998	99	36	,	,	PUNCT
cana-998	99	37	indicating	indicate	VERB
cana-998	99	38	a	a	DET
cana-998	99	39	widespread	widespread	ADJ
cana-998	99	40	knowledge	knowledge	NOUN
cana-998	99	41	and	and	CCONJ
cana-998	99	42	recognition	recognition	NOUN
cana-998	99	43	of	of	ADP
cana-998	99	44	these	these	DET
cana-998	99	45	digital	digital	ADJ
cana-998	99	46	financial	financial	ADJ
cana-998	99	47	technologies	technology	NOUN
cana-998	99	48	within	within	ADP
cana-998	99	49	the	the	DET
cana-998	99	50	demographic	demographic	NOUN
cana-998	99	51	.	.	PUNCT
cana-998	100	1	among	among	ADP
cana-998	100	2	the	the	DET
cana-998	100	3	various	various	ADJ
cana-998	100	4	fintech	fintech	NOUN
cana-998	100	5	services	service	NOUN
cana-998	100	6	listed	list	VERB
cana-998	100	7	,	,	PUNCT
cana-998	100	8	it	it	PRON
cana-998	100	9	's	be	AUX
cana-998	100	10	observed	observe	VERB
cana-998	100	11	that	that	SCONJ
cana-998	100	12	a	a	DET
cana-998	100	13	considerable	considerable	ADJ
cana-998	100	14	portion	portion	NOUN
cana-998	100	15	of	of	ADP
cana-998	100	16	respondents	respondent	NOUN
cana-998	100	17	have	have	AUX
cana-998	100	18	used	use	VERB
cana-998	100	19	or	or	CCONJ
cana-998	100	20	are	be	AUX
cana-998	100	21	currently	currently	ADV
cana-998	100	22	using	use	VERB
cana-998	100	23	multiple	multiple	ADJ
cana-998	100	24	platforms	platform	NOUN
cana-998	100	25	.	.	PUNCT
cana-998	101	1	the	the	DET
cana-998	101	2	most	most	ADV
cana-998	101	3	popular	popular	ADJ
cana-998	101	4	platforms	platform	NOUN
cana-998	101	5	include	include	VERB
cana-998	101	6	phone	phone	NOUN
cana-998	101	7	pe	pe	PROPN
cana-998	101	8	(	(	PUNCT
cana-998	101	9	15.7	15.7	NUM
cana-998	101	10	%	%	NOUN
cana-998	101	11	)	)	PUNCT
cana-998	101	12	,	,	PUNCT
cana-998	101	13	google	google	PROPN
cana-998	101	14	pay	pay	NOUN
cana-998	101	15	(	(	PUNCT
cana-998	101	16	16.6	16.6	NUM
cana-998	101	17	%	%	NOUN
cana-998	101	18	)	)	PUNCT
cana-998	101	19	,	,	PUNCT
cana-998	101	20	and	and	CCONJ
cana-998	101	21	paytm	paytm	NOUN
cana-998	101	22	(	(	PUNCT
cana-998	101	23	11.1	11.1	NUM
cana-998	101	24	%	%	NOUN
cana-998	101	25	)	)	PUNCT
cana-998	101	26	,	,	PUNCT
cana-998	101	27	with	with	ADP
cana-998	101	28	each	each	PRON
cana-998	101	29	attracting	attract	VERB
cana-998	101	30	a	a	DET
cana-998	101	31	significant	significant	ADJ
cana-998	101	32	user	user	NOUN
cana-998	101	33	base	base	NOUN
cana-998	101	34	.	.	PUNCT
cana-998	102	1	other	other	ADJ
cana-998	102	2	services	service	NOUN
cana-998	102	3	such	such	ADJ
cana-998	102	4	as	as	ADP
cana-998	102	5	amazon	amazon	NOUN
cana-998	102	6	pay	pay	NOUN
cana-998	102	7	,	,	PUNCT
cana-998	102	8	sbi	sbi	PROPN
cana-998	102	9	yono	yono	PROPN
cana-998	102	10	,	,	PUNCT
cana-998	102	11	and	and	CCONJ
cana-998	102	12	mobiwik	mobiwik	PROPN
cana-998	102	13	also	also	ADV
cana-998	102	14	show	show	VERB
cana-998	102	15	notable	notable	ADJ
cana-998	102	16	usage	usage	NOUN
cana-998	102	17	percentages	percentage	NOUN
cana-998	102	18	,	,	PUNCT
cana-998	102	19	highlighting	highlight	VERB
cana-998	102	20	the	the	DET
cana-998	102	21	diverse	diverse	ADJ
cana-998	102	22	range	range	NOUN
cana-998	102	23	of	of	ADP
cana-998	102	24	fintech	fintech	NOUN
cana-998	102	25	options	option	NOUN
cana-998	102	26	embraced	embrace	VERB
cana-998	102	27	by	by	ADP
cana-998	102	28	the	the	DET
cana-998	102	29	population	population	NOUN
cana-998	102	30	.	.	PUNCT
cana-998	103	1	in	in	ADP
cana-998	103	2	terms	term	NOUN
cana-998	103	3	of	of	ADP
cana-998	103	4	usage	usage	NOUN
cana-998	103	5	frequency	frequency	NOUN
cana-998	103	6	,	,	PUNCT
cana-998	103	7	the	the	DET
cana-998	103	8	data	data	NOUN
cana-998	103	9	suggests	suggest	VERB
cana-998	103	10	that	that	SCONJ
cana-998	103	11	fintech	fintech	NOUN
cana-998	103	12	services	service	NOUN
cana-998	103	13	are	be	AUX
cana-998	103	14	integrated	integrate	VERB
cana-998	103	15	into	into	ADP
cana-998	103	16	the	the	DET
cana-998	103	17	daily	daily	ADJ
cana-998	103	18	financial	financial	ADJ
cana-998	103	19	activities	activity	NOUN
cana-998	103	20	of	of	ADP
cana-998	103	21	a	a	DET
cana-998	103	22	substantial	substantial	ADJ
cana-998	103	23	portion	portion	NOUN
cana-998	103	24	of	of	ADP
cana-998	103	25	the	the	DET
cana-998	103	26	respondents	respondent	NOUN
cana-998	103	27	(	(	PUNCT
cana-998	103	28	25.3	25.3	NUM
cana-998	103	29	%	%	NOUN
cana-998	103	30	)	)	PUNCT
cana-998	103	31	.	.	PUNCT
cana-998	104	1	additionally	additionally	ADV
cana-998	104	2	,	,	PUNCT
cana-998	104	3	a	a	DET
cana-998	104	4	significant	significant	ADJ
cana-998	104	5	number	number	NOUN
cana-998	104	6	of	of	ADP
cana-998	104	7	individuals	individual	NOUN
cana-998	104	8	utilize	utilize	VERB
cana-998	104	9	these	these	DET
cana-998	104	10	services	service	NOUN
cana-998	104	11	on	on	ADP
cana-998	104	12	a	a	DET
cana-998	104	13	weekly	weekly	ADJ
cana-998	104	14	(	(	PUNCT
cana-998	104	15	33.6	33.6	NUM
cana-998	104	16	%	%	NOUN
cana-998	104	17	)	)	PUNCT
cana-998	104	18	or	or	CCONJ
cana-998	104	19	monthly	monthly	ADJ
cana-998	104	20	(	(	PUNCT
cana-998	104	21	27.2	27.2	NUM
cana-998	104	22	%	%	NOUN
cana-998	104	23	)	)	PUNCT
cana-998	104	24	basis	basis	NOUN
cana-998	104	25	,	,	PUNCT
cana-998	104	26	emphasizing	emphasize	VERB
cana-998	104	27	their	their	PRON
cana-998	104	28	frequent	frequent	ADJ
cana-998	104	29	incorporation	incorporation	NOUN
cana-998	104	30	into	into	ADP
cana-998	104	31	routine	routine	ADJ
cana-998	104	32	transactions	transaction	NOUN
cana-998	104	33	.	.	PUNCT
cana-998	105	1	a	a	DET
cana-998	105	2	smaller	small	ADJ
cana-998	105	3	percentage	percentage	NOUN
cana-998	105	4	of	of	ADP
cana-998	105	5	respondents	respondent	NOUN
cana-998	105	6	use	use	VERB
cana-998	105	7	fintech	fintech	NOUN
cana-998	105	8	services	service	NOUN
cana-998	105	9	rarely	rarely	ADV
cana-998	105	10	(	(	PUNCT
cana-998	105	11	11.1	11.1	NUM
cana-998	105	12	%	%	NOUN
cana-998	105	13	)	)	PUNCT
cana-998	105	14	,	,	PUNCT
cana-998	105	15	while	while	SCONJ
cana-998	105	16	only	only	ADV
cana-998	105	17	a	a	DET
cana-998	105	18	negligible	negligible	ADJ
cana-998	105	19	proportion	proportion	NOUN
cana-998	105	20	(	(	PUNCT
cana-998	105	21	2.8	2.8	NUM
cana-998	105	22	%	%	NOUN
cana-998	105	23	)	)	PUNCT
cana-998	105	24	report	report	NOUN
cana-998	105	25	never	never	ADV
cana-998	105	26	using	use	VERB
cana-998	105	27	them	they	PRON
cana-998	105	28	.	.	PUNCT
cana-998	106	1	table	table	NOUN
cana-998	106	2	no	no	NOUN
cana-998	106	3	.	.	PUNCT
cana-998	107	1	4.3	4.3	NUM
cana-998	107	2	distribution	distribution	NOUN
cana-998	107	3	of	of	ADP
cana-998	107	4	age	age	NOUN
cana-998	107	5	wise	wise	ADJ
cana-998	107	6	sample	sample	NOUN
cana-998	107	7	respondents	respondent	NOUN
cana-998	107	8	over	over	ADP
cana-998	107	9	their	their	PRON
cana-998	107	10	usage	usage	NOUN
cana-998	107	11	of	of	ADP
cana-998	107	12	fintech	fintech	NOUN
cana-998	107	13	distribution	distribution	NOUN
cana-998	107	14	of	of	ADP
cana-998	107	15	age	age	NOUN
cana-998	107	16	wise	wise	ADJ
cana-998	107	17	sample	sample	NOUN
cana-998	107	18	respondents	respondent	NOUN
cana-998	107	19	over	over	ADP
cana-998	107	20	their	their	PRON
cana-998	107	21	usage	usage	NOUN
cana-998	107	22	of	of	ADP
cana-998	107	23	fintech	fintech	NOUN
cana-998	107	24	age	age	NOUN
cana-998	107	25	n	n	PRON
cana-998	107	26	mean	mean	VERB
cana-998	107	27	std	std	NOUN
cana-998	107	28	.	.	PUNCT
cana-998	108	1	deviation	deviation	NOUN
cana-998	108	2	mean	mean	VERB
cana-998	108	3	square	square	PROPN
cana-998	108	4	f	f	PROPN
cana-998	109	1	sig	sig	PROPN
cana-998	109	2	.	.	PUNCT
cana-998	109	3	paytm	paytm	PROPN
cana-998	109	4	24	24	NUM
cana-998	109	5	2.83	2.83	NUM
cana-998	109	6	0.917	0.917	NUM
cana-998	109	7	9.246	9.246	NUM
cana-998	109	8	8.945	8.945	NUM
cana-998	109	9	0	0	NUM
cana-998	110	1	mobiwik	mobiwik	NOUN
cana-998	110	2	25	25	NUM
cana-998	110	3	1.72	1.72	NUM
cana-998	110	4	0.458	0.458	NUM
cana-998	110	5	airtel	airtel	NOUN
cana-998	110	6	payment	payment	NOUN
cana-998	110	7	21	21	NUM
cana-998	110	8	1.76	1.76	NUM
cana-998	110	9	0.436	0.436	NUM
cana-998	110	10	bhim	bhim	PROPN
cana-998	110	11	upi	upi	PROPN
cana-998	110	12	21	21	NUM
cana-998	110	13	2.52	2.52	NUM
cana-998	110	14	0.873	0.873	NUM
cana-998	110	15	sbi	sbi	NOUN
cana-998	110	16	yono	yono	NOUN
cana-998	110	17	28	28	NUM
cana-998	110	18	2.82	2.82	NUM
cana-998	110	19	1.416	1.416	NUM
cana-998	110	20	phone	phone	NOUN
cana-998	110	21	pe	pe	NOUN
cana-998	110	22	34	34	NUM
cana-998	110	23	2.65	2.65	NUM
cana-998	110	24	1.433	1.433	NUM
cana-998	110	25	google	google	NOUN
cana-998	110	26	pay	pay	VERB
cana-998	110	27	36	36	NUM
cana-998	110	28	3.42	3.42	NUM
cana-998	110	29	0.874	0.874	NUM
cana-998	110	30	amazon	amazon	NOUN
cana-998	110	31	pay	pay	VERB
cana-998	110	32	28	28	NUM
cana-998	110	33	3	3	NUM
cana-998	110	34	0.943	0.943	NUM
cana-998	110	35	total	total	NOUN
cana-998	110	36	217	217	NUM
cana-998	110	37	2.66	2.66	NUM
cana-998	110	38	1.14	1.14	NUM
cana-998	110	39	the	the	DET
cana-998	110	40	table	table	NOUN
cana-998	110	41	no	no	INTJ
cana-998	110	42	.	.	NOUN
cana-998	111	1	4	4	NUM
cana-998	111	2	.	.	SYM
cana-998	111	3	3	3	NUM
cana-998	111	4	reveals	reveal	VERB
cana-998	111	5	that	that	SCONJ
cana-998	111	6	,	,	PUNCT
cana-998	111	7	paytm	paytm	PROPN
cana-998	111	8	has	have	VERB
cana-998	111	9	the	the	DET
cana-998	111	10	highest	high	ADJ
cana-998	111	11	mean	mean	ADJ
cana-998	111	12	usage	usage	NOUN
cana-998	111	13	score	score	NOUN
cana-998	111	14	of	of	ADP
cana-998	111	15	2.83	2.83	NUM
cana-998	111	16	,	,	PUNCT
cana-998	111	17	followed	follow	VERB
cana-998	111	18	closely	closely	ADV
cana-998	111	19	by	by	ADP
cana-998	111	20	google	google	PROPN
cana-998	111	21	pay	pay	NOUN
cana-998	111	22	at	at	ADP
cana-998	111	23	3.42	3.42	NUM
cana-998	111	24	and	and	CCONJ
cana-998	111	25	sbi	sbi	PROPN
cana-998	111	26	yono	yono	PROPN
cana-998	111	27	at	at	ADP
cana-998	111	28	2.82	2.82	NUM
cana-998	111	29	.	.	PUNCT
cana-998	112	1	this	this	PRON
cana-998	112	2	indicates	indicate	VERB
cana-998	112	3	that	that	SCONJ
cana-998	112	4	,	,	PUNCT
cana-998	112	5	on	on	ADP
cana-998	112	6	average	average	ADJ
cana-998	112	7	,	,	PUNCT
cana-998	112	8	respondents	respondent	NOUN
cana-998	112	9	reported	report	VERB
cana-998	112	10	higher	high	ADJ
cana-998	112	11	usage	usage	NOUN
cana-998	112	12	of	of	ADP
cana-998	112	13	these	these	DET
cana-998	112	14	services	service	NOUN
cana-998	112	15	compared	compare	VERB
cana-998	112	16	to	to	ADP
cana-998	112	17	others	other	NOUN
cana-998	112	18	.	.	PUNCT
cana-998	113	1	mobiwik	mobiwik	PROPN
cana-998	113	2	has	have	VERB
cana-998	113	3	the	the	DET
cana-998	113	4	lowest	low	ADJ
cana-998	113	5	mean	mean	ADJ
cana-998	113	6	usage	usage	NOUN
cana-998	113	7	score	score	NOUN
cana-998	113	8	at	at	ADP
cana-998	113	9	1.72	1.72	NUM
cana-998	113	10	,	,	PUNCT
cana-998	113	11	indicating	indicate	VERB
cana-998	113	12	comparatively	comparatively	ADV
cana-998	113	13	lower	low	ADJ
cana-998	113	14	usage	usage	NOUN
cana-998	113	15	among	among	ADP
cana-998	113	16	respondents	respondent	NOUN
cana-998	113	17	.	.	PUNCT
cana-998	114	1	google	google	PROPN
cana-998	114	2	pay	pay	PROPN
cana-998	114	3	also	also	ADV
cana-998	114	4	has	have	VERB
cana-998	114	5	the	the	DET
cana-998	114	6	lowest	low	ADJ
cana-998	114	7	standard	standard	ADJ
cana-998	114	8	deviation	deviation	NOUN
cana-998	114	9	at	at	ADP
cana-998	114	10	0.874	0.874	NUM
cana-998	114	11	,	,	PUNCT
cana-998	114	12	suggesting	suggest	VERB
cana-998	114	13	less	less	ADJ
cana-998	114	14	variability	variability	NOUN
cana-998	114	15	in	in	ADP
cana-998	114	16	reported	report	VERB
cana-998	114	17	usage	usage	NOUN
cana-998	114	18	levels	level	NOUN
cana-998	114	19	among	among	ADP
cana-998	114	20	respondents	respondent	NOUN
cana-998	114	21	.	.	PUNCT
cana-998	115	1	the	the	DET
cana-998	115	2	f	f	NOUN
cana-998	115	3	-	-	PUNCT
cana-998	115	4	value	value	NOUN
cana-998	115	5	and	and	CCONJ
cana-998	115	6	significance	significance	NOUN
cana-998	115	7	value	value	NOUN
cana-998	115	8	(	(	PUNCT
cana-998	115	9	sig	sig	NOUN
cana-998	115	10	.	.	PUNCT
cana-998	115	11	)	)	PUNCT
cana-998	115	12	suggest	suggest	VERB
cana-998	115	13	that	that	SCONJ
cana-998	115	14	there	there	PRON
cana-998	115	15	are	be	VERB
cana-998	115	16	significant	significant	ADJ
cana-998	115	17	differences	difference	NOUN
cana-998	115	18	in	in	ADP
cana-998	115	19	the	the	DET
cana-998	115	20	mean	mean	ADJ
cana-998	115	21	usage	usage	NOUN
cana-998	115	22	levels	level	NOUN
cana-998	115	23	among	among	ADP
cana-998	115	24	the	the	DET
cana-998	115	25	various	various	ADJ
cana-998	115	26	age	age	NOUN
cana-998	115	27	group	group	NOUN
cana-998	115	28	of	of	ADP
cana-998	115	29	respondents	respondent	NOUN
cana-998	115	30	and	and	CCONJ
cana-998	115	31	fintech	fintech	NOUN
cana-998	115	32	services	service	NOUN
cana-998	115	33	,	,	PUNCT
cana-998	115	34	given	give	VERB
cana-998	115	35	the	the	DET
cana-998	115	36	low	low	ADJ
cana-998	115	37	p	p	NOUN
cana-998	115	38	-	-	PUNCT
cana-998	115	39	value	value	NOUN
cana-998	115	40	(	(	PUNCT
cana-998	115	41	0	0	NUM
cana-998	115	42	)	)	PUNCT
cana-998	115	43	and	and	CCONJ
cana-998	115	44	high	high	ADJ
cana-998	115	45	f	f	NOUN
cana-998	115	46	-	-	PUNCT
cana-998	115	47	value	value	NOUN
cana-998	115	48	(	(	PUNCT
cana-998	115	49	8.945	8.945	NUM
cana-998	115	50	)	)	PUNCT
cana-998	115	51	.	.	PUNCT
cana-998	116	1	communications	communication	NOUN
cana-998	116	2	on	on	ADP
cana-998	116	3	applied	apply	VERB
cana-998	116	4	nonlinear	nonlinear	ADJ
cana-998	116	5	analysis	analysis	NOUN
cana-998	116	6	issn	issn	NOUN
cana-998	116	7	:	:	PUNCT
cana-998	116	8	1074	1074	NUM
cana-998	116	9	-	-	PUNCT
cana-998	116	10	133x	133x	NUM
cana-998	116	11	vol	vol	NOUN
cana-998	116	12	31	31	NUM
cana-998	116	13	no	no	NOUN
cana-998	116	14	.	.	PUNCT
cana-998	117	1	5s	5s	NUM
cana-998	117	2	(	(	PUNCT
cana-998	117	3	2024	2024	NUM
cana-998	117	4	)	)	PUNCT
cana-998	117	5	46	46	NUM
cana-998	117	6	https://internationalpubls.com	https://internationalpubls.com	X
cana-998	117	7	table	table	NOUN
cana-998	117	8	no	no	INTJ
cana-998	117	9	.	.	PUNCT
cana-998	118	1	4.4	4.4	NUM
cana-998	118	2	distribution	distribution	NOUN
cana-998	118	3	of	of	ADP
cana-998	118	4	gender	gender	NOUN
cana-998	118	5	wise	wise	ADJ
cana-998	118	6	sample	sample	NOUN
cana-998	118	7	respondents	respondent	NOUN
cana-998	118	8	over	over	ADP
cana-998	118	9	their	their	PRON
cana-998	118	10	usage	usage	NOUN
cana-998	118	11	of	of	ADP
cana-998	118	12	fintech	fintech	NOUN
cana-998	118	13	distribution	distribution	NOUN
cana-998	118	14	of	of	ADP
cana-998	118	15	gender	gender	NOUN
cana-998	118	16	wise	wise	ADJ
cana-998	118	17	sample	sample	NOUN
cana-998	118	18	respondents	respondent	NOUN
cana-998	118	19	over	over	ADP
cana-998	118	20	their	their	PRON
cana-998	118	21	usage	usage	NOUN
cana-998	118	22	of	of	ADP
cana-998	118	23	fintech	fintech	NOUN
cana-998	118	24	gender	gender	NOUN
cana-998	118	25	n	n	PRON
cana-998	118	26	mean	mean	VERB
cana-998	118	27	std	std	NOUN
cana-998	118	28	.	.	PUNCT
cana-998	119	1	deviation	deviation	NOUN
cana-998	119	2	mean	mean	VERB
cana-998	119	3	square	square	PROPN
cana-998	119	4	f	f	PROPN
cana-998	119	5	sig	sig	PROPN
cana-998	119	6	.	.	PUNCT
cana-998	120	1	paytm	paytm	PROPN
cana-998	120	2	24	24	NUM
cana-998	120	3	1.38	1.38	NUM
cana-998	120	4	0.495	0.495	NUM
cana-998	120	5	2.158	2.158	NUM
cana-998	120	6	11.523	11.523	NUM
cana-998	120	7	0	0	NUM
cana-998	120	8	mobiwik	mobiwik	NOUN
cana-998	120	9	25	25	NUM
cana-998	120	10	2	2	NUM
cana-998	120	11	0	0	NUM
cana-998	120	12	airtel	airtel	NOUN
cana-998	120	13	payment	payment	NOUN
cana-998	120	14	21	21	NUM
cana-998	120	15	2	2	NUM
cana-998	120	16	0	0	NUM
cana-998	120	17	bhim	bhim	PROPN
cana-998	120	18	upi	upi	PROPN
cana-998	120	19	21	21	NUM
cana-998	120	20	1.24	1.24	NUM
cana-998	120	21	0.436	0.436	NUM
cana-998	120	22	sbi	sbi	PROPN
cana-998	120	23	yono	yono	NOUN
cana-998	120	24	28	28	NUM
cana-998	120	25	1.43	1.43	NUM
cana-998	120	26	0.504	0.504	NUM
cana-998	120	27	phone	phone	NOUN
cana-998	120	28	pe	pe	ADP
cana-998	120	29	34	34	NUM
cana-998	120	30	1.35	1.35	NUM
cana-998	120	31	0.485	0.485	NUM
cana-998	120	32	google	google	PROPN
cana-998	120	33	pay	pay	VERB
cana-998	120	34	36	36	NUM
cana-998	120	35	1.47	1.47	NUM
cana-998	120	36	0.506	0.506	NUM
cana-998	120	37	amazon	amazon	NOUN
cana-998	120	38	pay	pay	VERB
cana-998	120	39	28	28	NUM
cana-998	120	40	1.32	1.32	NUM
cana-998	120	41	0.476	0.476	NUM
cana-998	120	42	total	total	NOUN
cana-998	120	43	217	217	NUM
cana-998	120	44	1.51	1.51	NUM
cana-998	120	45	0.501	0.501	NUM
cana-998	120	46	the	the	DET
cana-998	120	47	table	table	NOUN
cana-998	121	1	no	no	INTJ
cana-998	121	2	.	.	PUNCT
cana-998	122	1	4.4	4.4	NUM
cana-998	122	2	describe	describe	VERB
cana-998	122	3	that	that	DET
cana-998	122	4	paytm	paytm	NOUN
cana-998	122	5	has	have	VERB
cana-998	122	6	the	the	DET
cana-998	122	7	lowest	low	ADJ
cana-998	122	8	mean	mean	ADJ
cana-998	122	9	usage	usage	NOUN
cana-998	122	10	score	score	NOUN
cana-998	122	11	among	among	ADP
cana-998	122	12	the	the	DET
cana-998	122	13	specified	specify	VERB
cana-998	122	14	gender	gender	NOUN
cana-998	122	15	at	at	ADP
cana-998	122	16	1.38	1.38	NUM
cana-998	122	17	,	,	PUNCT
cana-998	122	18	indicating	indicate	VERB
cana-998	122	19	relatively	relatively	ADV
cana-998	122	20	lower	low	ADJ
cana-998	122	21	usage	usage	NOUN
cana-998	122	22	compared	compare	VERB
cana-998	122	23	to	to	ADP
cana-998	122	24	other	other	ADJ
cana-998	122	25	services	service	NOUN
cana-998	122	26	.	.	PUNCT
cana-998	123	1	mobiwik	mobiwik	PROPN
cana-998	123	2	,	,	PUNCT
cana-998	123	3	airtel	airtel	PROPN
cana-998	123	4	payment	payment	NOUN
cana-998	123	5	,	,	PUNCT
cana-998	123	6	and	and	CCONJ
cana-998	123	7	google	google	PROPN
cana-998	123	8	pay	pay	NOUN
cana-998	123	9	have	have	VERB
cana-998	123	10	the	the	DET
cana-998	123	11	highest	high	ADJ
cana-998	123	12	mean	mean	ADJ
cana-998	123	13	usage	usage	NOUN
cana-998	123	14	score	score	NOUN
cana-998	123	15	of	of	ADP
cana-998	123	16	2.0	2.0	NUM
cana-998	123	17	,	,	PUNCT
cana-998	123	18	suggesting	suggest	VERB
cana-998	123	19	relatively	relatively	ADV
cana-998	123	20	higher	high	ADJ
cana-998	123	21	usage	usage	NOUN
cana-998	123	22	among	among	ADP
cana-998	123	23	the	the	DET
cana-998	123	24	specified	specify	VERB
cana-998	123	25	gender	gender	NOUN
cana-998	123	26	.	.	PUNCT
cana-998	124	1	the	the	DET
cana-998	124	2	f	f	NOUN
cana-998	124	3	-	-	PUNCT
cana-998	124	4	value	value	NOUN
cana-998	124	5	and	and	CCONJ
cana-998	124	6	significance	significance	NOUN
cana-998	124	7	value	value	NOUN
cana-998	124	8	(	(	PUNCT
cana-998	124	9	sig	sig	NOUN
cana-998	124	10	.	.	PUNCT
cana-998	124	11	)	)	PUNCT
cana-998	124	12	suggest	suggest	VERB
cana-998	124	13	that	that	SCONJ
cana-998	124	14	there	there	PRON
cana-998	124	15	are	be	VERB
cana-998	124	16	significant	significant	ADJ
cana-998	124	17	differences	difference	NOUN
cana-998	124	18	in	in	ADP
cana-998	124	19	the	the	DET
cana-998	124	20	mean	mean	ADJ
cana-998	124	21	usage	usage	NOUN
cana-998	124	22	levels	level	NOUN
cana-998	124	23	of	of	ADP
cana-998	124	24	different	different	ADJ
cana-998	124	25	fintech	fintech	NOUN
cana-998	124	26	services	service	NOUN
cana-998	124	27	among	among	ADP
cana-998	124	28	the	the	DET
cana-998	124	29	specified	specified	ADJ
cana-998	124	30	gender	gender	NOUN
cana-998	124	31	,	,	PUNCT
cana-998	124	32	given	give	VERB
cana-998	124	33	the	the	DET
cana-998	124	34	low	low	ADJ
cana-998	124	35	p	p	NOUN
cana-998	124	36	-	-	PUNCT
cana-998	124	37	value	value	NOUN
cana-998	124	38	(	(	PUNCT
cana-998	124	39	0	0	NUM
cana-998	124	40	)	)	PUNCT
cana-998	124	41	and	and	CCONJ
cana-998	124	42	high	high	ADJ
cana-998	124	43	f	f	NOUN
cana-998	124	44	-	-	PUNCT
cana-998	124	45	value	value	NOUN
cana-998	124	46	(	(	PUNCT
cana-998	124	47	11.523	11.523	NUM
cana-998	124	48	)	)	PUNCT
cana-998	124	49	.	.	PUNCT
cana-998	125	1	table	table	NOUN
cana-998	126	1	no	no	INTJ
cana-998	126	2	.	.	NOUN
cana-998	127	1	4.5	4.5	NUM
cana-998	127	2	distribution	distribution	NOUN
cana-998	127	3	of	of	ADP
cana-998	127	4	educational	educational	ADJ
cana-998	127	5	level	level	NOUN
cana-998	127	6	wise	wise	ADJ
cana-998	127	7	sample	sample	NOUN
cana-998	127	8	respondents	respondent	NOUN
cana-998	127	9	over	over	ADP
cana-998	127	10	their	their	PRON
cana-998	127	11	usage	usage	NOUN
cana-998	127	12	of	of	ADP
cana-998	127	13	fintech	fintech	NOUN
cana-998	127	14	distribution	distribution	NOUN
cana-998	127	15	of	of	ADP
cana-998	127	16	educational	educational	ADJ
cana-998	127	17	level	level	NOUN
cana-998	127	18	wise	wise	ADJ
cana-998	127	19	sample	sample	NOUN
cana-998	127	20	respondents	respondent	NOUN
cana-998	127	21	over	over	ADP
cana-998	127	22	their	their	PRON
cana-998	127	23	usage	usage	NOUN
cana-998	127	24	of	of	ADP
cana-998	127	25	fintech	fintech	NOUN
cana-998	127	26	education	education	NOUN
cana-998	127	27	level	level	NOUN
cana-998	127	28	n	n	ADP
cana-998	127	29	mean	mean	VERB
cana-998	127	30	std	std	NOUN
cana-998	127	31	.	.	PUNCT
cana-998	128	1	deviation	deviation	NOUN
cana-998	128	2	mean	mean	VERB
cana-998	128	3	square	square	PROPN
cana-998	128	4	f	f	PROPN
cana-998	128	5	sig	sig	PROPN
cana-998	128	6	.	.	PUNCT
cana-998	129	1	paytm	paytm	PROPN
cana-998	129	2	24	24	NUM
cana-998	129	3	3.29	3.29	NUM
cana-998	129	4	1.706	1.706	NUM
cana-998	129	5	20.723	20.723	NUM
cana-998	129	6	19.408	19.408	NUM
cana-998	129	7	0	0	NUM
cana-998	130	1	mobiwik	mobiwik	NOUN
cana-998	130	2	25	25	NUM
cana-998	130	3	2.96	2.96	NUM
cana-998	130	4	0.79	0.79	NUM
cana-998	130	5	airtel	airtel	PROPN
cana-998	130	6	payment	payment	NOUN
cana-998	130	7	21	21	NUM
cana-998	130	8	2	2	NUM
cana-998	130	9	0	0	NUM
cana-998	130	10	bhim	bhim	PROPN
cana-998	130	11	upi	upi	PROPN
cana-998	130	12	21	21	NUM
cana-998	130	13	1.24	1.24	NUM
cana-998	130	14	0.436	0.436	NUM
cana-998	130	15	sbi	sbi	PROPN
cana-998	130	16	yono	yono	NOUN
cana-998	130	17	28	28	NUM
cana-998	130	18	4.21	4.21	NUM
cana-998	130	19	0.63	0.63	NUM
cana-998	130	20	phone	phone	NOUN
cana-998	130	21	pe	pe	NOUN
cana-998	130	22	34	34	NUM
cana-998	130	23	3.03	3.03	NUM
cana-998	130	24	1.291	1.291	NUM
cana-998	130	25	google	google	NOUN
cana-998	130	26	pay	pay	VERB
cana-998	130	27	36	36	NUM
cana-998	130	28	3.31	3.31	NUM
cana-998	130	29	1.091	1.091	NUM
cana-998	130	30	amazon	amazon	NOUN
cana-998	130	31	pay	pay	VERB
cana-998	130	32	28	28	NUM
cana-998	130	33	3.68	3.68	NUM
cana-998	130	34	1.056	1.056	NUM
cana-998	130	35	total	total	NOUN
cana-998	130	36	217	217	NUM
cana-998	130	37	3.06	3.06	NUM
cana-998	130	38	1.306	1.306	NUM
cana-998	130	39	the	the	DET
cana-998	130	40	table	table	NOUN
cana-998	130	41	4.5	4.5	NUM
cana-998	130	42	shows	show	VERB
cana-998	130	43	that	that	SCONJ
cana-998	130	44	,	,	PUNCT
cana-998	130	45	sbi	sbi	PROPN
cana-998	130	46	yono	yono	PROPN
cana-998	130	47	has	have	VERB
cana-998	130	48	the	the	DET
cana-998	130	49	highest	high	ADJ
cana-998	130	50	mean	mean	ADJ
cana-998	130	51	usage	usage	NOUN
cana-998	130	52	score	score	NOUN
cana-998	130	53	among	among	ADP
cana-998	130	54	individuals	individual	NOUN
cana-998	130	55	with	with	ADP
cana-998	130	56	the	the	DET
cana-998	130	57	specified	specified	ADJ
cana-998	130	58	education	education	NOUN
cana-998	130	59	level	level	NOUN
cana-998	130	60	at	at	ADP
cana-998	130	61	4.21	4.21	NUM
cana-998	130	62	,	,	PUNCT
cana-998	130	63	indicating	indicate	VERB
cana-998	130	64	relatively	relatively	ADV
cana-998	130	65	higher	high	ADJ
cana-998	130	66	usage	usage	NOUN
cana-998	130	67	compared	compare	VERB
cana-998	130	68	to	to	ADP
cana-998	130	69	other	other	ADJ
cana-998	130	70	services	service	NOUN
cana-998	130	71	.	.	PUNCT
cana-998	131	1	bhim	bhim	PROPN
cana-998	131	2	upi	upi	PROPN
cana-998	131	3	has	have	VERB
cana-998	131	4	the	the	DET
cana-998	131	5	lowest	low	ADJ
cana-998	131	6	mean	mean	ADJ
cana-998	131	7	usage	usage	NOUN
cana-998	131	8	score	score	NOUN
cana-998	131	9	at	at	ADP
cana-998	131	10	1.24	1.24	NUM
cana-998	131	11	,	,	PUNCT
cana-998	131	12	suggesting	suggest	VERB
cana-998	131	13	comparatively	comparatively	ADV
cana-998	131	14	lower	low	ADJ
cana-998	131	15	usage	usage	NOUN
cana-998	131	16	among	among	ADP
cana-998	131	17	individuals	individual	NOUN
cana-998	131	18	with	with	ADP
cana-998	131	19	the	the	DET
cana-998	131	20	specified	specified	ADJ
cana-998	131	21	education	education	NOUN
cana-998	131	22	level	level	NOUN
cana-998	131	23	.	.	PUNCT
cana-998	132	1	the	the	DET
cana-998	132	2	f	f	NOUN
cana-998	132	3	-	-	PUNCT
cana-998	132	4	value	value	NOUN
cana-998	132	5	and	and	CCONJ
cana-998	132	6	significance	significance	NOUN
cana-998	132	7	value	value	NOUN
cana-998	132	8	(	(	PUNCT
cana-998	132	9	sig	sig	NOUN
cana-998	132	10	.	.	PUNCT
cana-998	132	11	)	)	PUNCT
cana-998	132	12	suggest	suggest	VERB
cana-998	132	13	that	that	SCONJ
cana-998	132	14	there	there	PRON
cana-998	132	15	are	be	VERB
cana-998	132	16	significant	significant	ADJ
cana-998	132	17	differences	difference	NOUN
cana-998	132	18	in	in	ADP
cana-998	132	19	the	the	DET
cana-998	132	20	mean	mean	ADJ
cana-998	132	21	usage	usage	NOUN
cana-998	132	22	levels	level	NOUN
cana-998	132	23	of	of	ADP
cana-998	132	24	different	different	ADJ
cana-998	132	25	fintech	fintech	NOUN
cana-998	132	26	services	service	NOUN
cana-998	132	27	among	among	ADP
cana-998	132	28	individuals	individual	NOUN
cana-998	132	29	with	with	ADP
cana-998	132	30	the	the	DET
cana-998	132	31	specified	specified	ADJ
cana-998	132	32	education	education	NOUN
cana-998	132	33	level	level	NOUN
cana-998	132	34	,	,	PUNCT
cana-998	132	35	given	give	VERB
cana-998	132	36	the	the	DET
cana-998	132	37	low	low	ADJ
cana-998	132	38	p	p	NOUN
cana-998	132	39	-	-	PUNCT
cana-998	132	40	value	value	NOUN
cana-998	132	41	(	(	PUNCT
cana-998	132	42	0	0	NUM
cana-998	132	43	)	)	PUNCT
cana-998	132	44	and	and	CCONJ
cana-998	132	45	high	high	ADJ
cana-998	132	46	f	f	NOUN
cana-998	132	47	-	-	PUNCT
cana-998	132	48	value	value	NOUN
cana-998	132	49	(	(	PUNCT
cana-998	132	50	19.408	19.408	NUM
cana-998	132	51	)	)	PUNCT
cana-998	132	52	.	.	PUNCT
cana-998	133	1	communications	communication	NOUN
cana-998	133	2	on	on	ADP
cana-998	133	3	applied	apply	VERB
cana-998	133	4	nonlinear	nonlinear	ADJ
cana-998	133	5	analysis	analysis	NOUN
cana-998	133	6	issn	issn	NOUN
cana-998	133	7	:	:	PUNCT
cana-998	133	8	1074	1074	NUM
cana-998	133	9	-	-	PUNCT
cana-998	133	10	133x	133x	NUM
cana-998	133	11	vol	vol	NOUN
cana-998	133	12	31	31	NUM
cana-998	133	13	no	no	NOUN
cana-998	133	14	.	.	PUNCT
cana-998	134	1	5s	5s	NUM
cana-998	134	2	(	(	PUNCT
cana-998	134	3	2024	2024	NUM
cana-998	134	4	)	)	PUNCT
cana-998	134	5	47	47	NUM
cana-998	134	6	https://internationalpubls.com	https://internationalpubls.com	X
cana-998	134	7	table	table	NOUN
cana-998	135	1	no	no	INTJ
cana-998	135	2	.	.	NOUN
cana-998	136	1	4.6	4.6	NUM
cana-998	136	2	distribution	distribution	NOUN
cana-998	136	3	of	of	ADP
cana-998	136	4	employment	employment	NOUN
cana-998	136	5	status	status	NOUN
cana-998	136	6	sample	sample	NOUN
cana-998	136	7	respondents	respondent	NOUN
cana-998	136	8	over	over	ADP
cana-998	136	9	their	their	PRON
cana-998	136	10	usage	usage	NOUN
cana-998	136	11	of	of	ADP
cana-998	136	12	fintech	fintech	NOUN
cana-998	136	13	distribution	distribution	NOUN
cana-998	136	14	of	of	ADP
cana-998	136	15	employment	employment	NOUN
cana-998	136	16	status	status	NOUN
cana-998	136	17	sample	sample	NOUN
cana-998	136	18	respondents	respondent	NOUN
cana-998	136	19	over	over	ADP
cana-998	136	20	their	their	PRON
cana-998	136	21	usage	usage	NOUN
cana-998	136	22	of	of	ADP
cana-998	136	23	fintech	fintech	NOUN
cana-998	136	24	employment	employment	NOUN
cana-998	136	25	status	status	NOUN
cana-998	136	26	n	n	PRON
cana-998	136	27	mean	mean	VERB
cana-998	136	28	std	std	NOUN
cana-998	136	29	.	.	PUNCT
cana-998	137	1	deviation	deviation	NOUN
cana-998	137	2	mean	mean	VERB
cana-998	137	3	square	square	PROPN
cana-998	137	4	f	f	PROPN
cana-998	137	5	sig	sig	PROPN
cana-998	137	6	.	.	PUNCT
cana-998	138	1	paytm	paytm	PROPN
cana-998	138	2	24	24	NUM
cana-998	138	3	1.38	1.38	NUM
cana-998	138	4	0.495	0.495	NUM
cana-998	138	5	25.166	25.166	NUM
cana-998	138	6	25.923	25.923	NUM
cana-998	138	7	0	0	NUM
cana-998	138	8	mobiwik	mobiwik	NOUN
cana-998	138	9	25	25	NUM
cana-998	138	10	1.6	1.6	NUM
cana-998	138	11	0.5	0.5	NUM
cana-998	138	12	airtel	airtel	NOUN
cana-998	138	13	payment	payment	NOUN
cana-998	138	14	21	21	NUM
cana-998	138	15	3.76	3.76	NUM
cana-998	138	16	0.436	0.436	NUM
cana-998	138	17	bhim	bhim	PROPN
cana-998	138	18	upi	upi	PROPN
cana-998	138	19	21	21	NUM
cana-998	138	20	4	4	NUM
cana-998	138	21	0	0	NUM
cana-998	138	22	sbi	sbi	PROPN
cana-998	138	23	yono	yono	NOUN
cana-998	138	24	28	28	NUM
cana-998	138	25	3.79	3.79	NUM
cana-998	138	26	0.63	0.63	NUM
cana-998	138	27	phone	phone	NOUN
cana-998	138	28	pe	pe	NOUN
cana-998	138	29	34	34	NUM
cana-998	138	30	2.5	2.5	NUM
cana-998	138	31	1.523	1.523	NUM
cana-998	138	32	google	google	PROPN
cana-998	138	33	pay	pay	VERB
cana-998	138	34	36	36	NUM
cana-998	138	35	2.17	2.17	NUM
cana-998	138	36	1.298	1.298	NUM
cana-998	138	37	amazon	amazon	NOUN
cana-998	138	38	pay	pay	VERB
cana-998	138	39	28	28	NUM
cana-998	138	40	2.75	2.75	NUM
cana-998	138	41	1.236	1.236	NUM
cana-998	138	42	total	total	NOUN
cana-998	138	43	217	217	NUM
cana-998	138	44	2.68	2.68	NUM
cana-998	138	45	1.325	1.325	NUM
cana-998	138	46	the	the	DET
cana-998	138	47	table	table	NOUN
cana-998	138	48	no.4.6	no.4.6	NOUN
cana-998	138	49	bhim	bhim	PROPN
cana-998	138	50	upi	upi	PROPN
cana-998	138	51	has	have	VERB
cana-998	138	52	the	the	DET
cana-998	138	53	highest	high	ADJ
cana-998	138	54	mean	mean	ADJ
cana-998	138	55	usage	usage	NOUN
cana-998	138	56	score	score	NOUN
cana-998	138	57	among	among	ADP
cana-998	138	58	individuals	individual	NOUN
cana-998	138	59	with	with	ADP
cana-998	138	60	the	the	DET
cana-998	138	61	specified	specify	VERB
cana-998	138	62	employment	employment	NOUN
cana-998	138	63	status	status	NOUN
cana-998	138	64	at	at	ADP
cana-998	138	65	4.0	4.0	NUM
cana-998	138	66	,	,	PUNCT
cana-998	138	67	indicating	indicate	VERB
cana-998	138	68	relatively	relatively	ADV
cana-998	138	69	higher	high	ADJ
cana-998	138	70	usage	usage	NOUN
cana-998	138	71	compared	compare	VERB
cana-998	138	72	to	to	ADP
cana-998	138	73	other	other	ADJ
cana-998	138	74	services	service	NOUN
cana-998	138	75	.	.	PUNCT
cana-998	139	1	paytm	paytm	PROPN
cana-998	139	2	has	have	VERB
cana-998	139	3	the	the	DET
cana-998	139	4	lowest	low	ADJ
cana-998	139	5	mean	mean	ADJ
cana-998	139	6	usage	usage	NOUN
cana-998	139	7	score	score	NOUN
cana-998	139	8	at	at	ADP
cana-998	139	9	1.38	1.38	NUM
cana-998	139	10	,	,	PUNCT
cana-998	139	11	suggesting	suggest	VERB
cana-998	139	12	comparatively	comparatively	ADV
cana-998	139	13	lower	low	ADJ
cana-998	139	14	usage	usage	NOUN
cana-998	139	15	among	among	ADP
cana-998	139	16	individuals	individual	NOUN
cana-998	139	17	with	with	ADP
cana-998	139	18	the	the	DET
cana-998	139	19	specified	specify	VERB
cana-998	139	20	employment	employment	NOUN
cana-998	139	21	status	status	NOUN
cana-998	139	22	.	.	PUNCT
cana-998	140	1	the	the	DET
cana-998	140	2	f	f	NOUN
cana-998	140	3	-	-	PUNCT
cana-998	140	4	value	value	NOUN
cana-998	140	5	and	and	CCONJ
cana-998	140	6	significance	significance	NOUN
cana-998	140	7	value	value	NOUN
cana-998	140	8	(	(	PUNCT
cana-998	140	9	sig	sig	NOUN
cana-998	140	10	.	.	PUNCT
cana-998	140	11	)	)	PUNCT
cana-998	140	12	suggest	suggest	VERB
cana-998	140	13	that	that	SCONJ
cana-998	140	14	there	there	PRON
cana-998	140	15	are	be	VERB
cana-998	140	16	significant	significant	ADJ
cana-998	140	17	differences	difference	NOUN
cana-998	140	18	in	in	ADP
cana-998	140	19	the	the	DET
cana-998	140	20	mean	mean	ADJ
cana-998	140	21	usage	usage	NOUN
cana-998	140	22	levels	level	NOUN
cana-998	140	23	of	of	ADP
cana-998	140	24	different	different	ADJ
cana-998	140	25	fintech	fintech	NOUN
cana-998	140	26	services	service	NOUN
cana-998	140	27	among	among	ADP
cana-998	140	28	individuals	individual	NOUN
cana-998	140	29	with	with	ADP
cana-998	140	30	the	the	DET
cana-998	140	31	specified	specify	VERB
cana-998	140	32	employment	employment	NOUN
cana-998	140	33	status	status	NOUN
cana-998	140	34	,	,	PUNCT
cana-998	140	35	given	give	VERB
cana-998	140	36	the	the	DET
cana-998	140	37	low	low	ADJ
cana-998	140	38	p	p	NOUN
cana-998	140	39	-	-	PUNCT
cana-998	140	40	value	value	NOUN
cana-998	140	41	(	(	PUNCT
cana-998	140	42	0	0	NUM
cana-998	140	43	)	)	PUNCT
cana-998	140	44	and	and	CCONJ
cana-998	140	45	high	high	ADJ
cana-998	140	46	f	f	NOUN
cana-998	140	47	-	-	PUNCT
cana-998	140	48	value	value	NOUN
cana-998	140	49	(	(	PUNCT
cana-998	140	50	25.923	25.923	NUM
cana-998	140	51	)	)	PUNCT
cana-998	140	52	.	.	PUNCT
cana-998	141	1	table	table	NOUN
cana-998	142	1	no	no	INTJ
cana-998	142	2	.	.	PROPN
cana-998	143	1	4.7	4.7	NUM
cana-998	143	2	distribution	distribution	NOUN
cana-998	143	3	of	of	ADP
cana-998	143	4	annual	annual	ADJ
cana-998	143	5	income	income	NOUN
cana-998	143	6	wise	wise	ADJ
cana-998	143	7	sample	sample	NOUN
cana-998	143	8	respondents	respondent	NOUN
cana-998	143	9	over	over	ADP
cana-998	143	10	their	their	PRON
cana-998	143	11	usage	usage	NOUN
cana-998	143	12	of	of	ADP
cana-998	143	13	fintech	fintech	NOUN
cana-998	143	14	distribution	distribution	NOUN
cana-998	143	15	of	of	ADP
cana-998	143	16	annual	annual	ADJ
cana-998	143	17	income	income	NOUN
cana-998	143	18	wise	wise	ADJ
cana-998	143	19	sample	sample	NOUN
cana-998	143	20	respondents	respondent	NOUN
cana-998	143	21	over	over	ADP
cana-998	143	22	their	their	PRON
cana-998	143	23	usage	usage	NOUN
cana-998	143	24	of	of	ADP
cana-998	143	25	fintech	fintech	NOUN
cana-998	143	26	annual	annual	ADJ
cana-998	143	27	income	income	NOUN
cana-998	143	28	n	n	PRON
cana-998	143	29	mean	mean	VERB
cana-998	143	30	std	std	X
cana-998	143	31	.	.	PUNCT
cana-998	144	1	deviation	deviation	NOUN
cana-998	144	2	mean	mean	VERB
cana-998	144	3	square	square	PROPN
cana-998	144	4	f	f	PROPN
cana-998	145	1	sig	sig	PROPN
cana-998	145	2	.	.	PUNCT
cana-998	145	3	paytm	paytm	PROPN
cana-998	145	4	24	24	NUM
cana-998	145	5	3	3	NUM
cana-998	145	6	0.933	0.933	NUM
cana-998	145	7	5.209	5.209	NUM
cana-998	145	8	5.397	5.397	NUM
cana-998	145	9	0	0	NUM
cana-998	146	1	mobiwik	mobiwik	NOUN
cana-998	146	2	25	25	NUM
cana-998	146	3	3.08	3.08	NUM
cana-998	146	4	1.382	1.382	NUM
cana-998	146	5	airtel	airtel	PROPN
cana-998	146	6	payment	payment	NOUN
cana-998	146	7	21	21	NUM
cana-998	146	8	2.24	2.24	NUM
cana-998	146	9	0.436	0.436	NUM
cana-998	146	10	bhim	bhim	PROPN
cana-998	146	11	upi	upi	PROPN
cana-998	146	12	21	21	NUM
cana-998	146	13	2.48	2.48	NUM
cana-998	146	14	0.873	0.873	NUM
cana-998	146	15	sbi	sbi	PROPN
cana-998	146	16	yono	yono	NOUN
cana-998	146	17	28	28	NUM
cana-998	146	18	2.86	2.86	NUM
cana-998	146	19	1.008	1.008	NUM
cana-998	146	20	phone	phone	NOUN
cana-998	146	21	pe	pe	NOUN
cana-998	146	22	34	34	NUM
cana-998	146	23	1.79	1.79	NUM
cana-998	146	24	0.88	0.88	NUM
cana-998	146	25	google	google	PROPN
cana-998	146	26	pay	pay	VERB
cana-998	146	27	36	36	NUM
cana-998	146	28	2.44	2.44	NUM
cana-998	146	29	0.969	0.969	NUM
cana-998	146	30	amazon	amazon	NOUN
cana-998	146	31	pay	pay	VERB
cana-998	146	32	28	28	NUM
cana-998	146	33	2.46	2.46	NUM
cana-998	146	34	1.071	1.071	NUM
cana-998	146	35	total	total	NOUN
cana-998	146	36	217	217	NUM
cana-998	146	37	2.52	2.52	NUM
cana-998	146	38	1.05	1.05	NUM
cana-998	146	39	table	table	NOUN
cana-998	146	40	no.4.7	no.4.7	NOUN
cana-998	146	41	reveals	reveal	VERB
cana-998	146	42	that	that	SCONJ
cana-998	146	43	paytm	paytm	NOUN
cana-998	146	44	has	have	VERB
cana-998	146	45	the	the	DET
cana-998	146	46	highest	high	ADJ
cana-998	146	47	mean	mean	ADJ
cana-998	146	48	usage	usage	NOUN
cana-998	146	49	score	score	NOUN
cana-998	146	50	among	among	ADP
cana-998	146	51	individuals	individual	NOUN
cana-998	146	52	with	with	ADP
cana-998	146	53	the	the	DET
cana-998	146	54	specified	specify	VERB
cana-998	146	55	annual	annual	ADJ
cana-998	146	56	income	income	NOUN
cana-998	146	57	at	at	ADP
cana-998	146	58	3.0	3.0	NUM
cana-998	146	59	,	,	PUNCT
cana-998	146	60	indicating	indicate	VERB
cana-998	146	61	relatively	relatively	ADV
cana-998	146	62	higher	high	ADJ
cana-998	146	63	usage	usage	NOUN
cana-998	146	64	compared	compare	VERB
cana-998	146	65	to	to	ADP
cana-998	146	66	other	other	ADJ
cana-998	146	67	services	service	NOUN
cana-998	146	68	.	.	PUNCT
cana-998	147	1	phone	phone	NOUN
cana-998	147	2	pe	pe	PROPN
cana-998	147	3	has	have	VERB
cana-998	147	4	the	the	DET
cana-998	147	5	lowest	low	ADJ
cana-998	147	6	mean	mean	ADJ
cana-998	147	7	usage	usage	NOUN
cana-998	147	8	score	score	NOUN
cana-998	147	9	at	at	ADP
cana-998	147	10	1.79	1.79	NUM
cana-998	147	11	,	,	PUNCT
cana-998	147	12	suggesting	suggest	VERB
cana-998	147	13	comparatively	comparatively	ADV
cana-998	147	14	lower	low	ADJ
cana-998	147	15	usage	usage	NOUN
cana-998	147	16	among	among	ADP
cana-998	147	17	individuals	individual	NOUN
cana-998	147	18	with	with	ADP
cana-998	147	19	the	the	DET
cana-998	147	20	specified	specify	VERB
cana-998	147	21	annual	annual	ADJ
cana-998	147	22	income	income	NOUN
cana-998	147	23	.	.	PUNCT
cana-998	148	1	the	the	DET
cana-998	148	2	f	f	NOUN
cana-998	148	3	-	-	PUNCT
cana-998	148	4	value	value	NOUN
cana-998	148	5	and	and	CCONJ
cana-998	148	6	significance	significance	NOUN
cana-998	148	7	value	value	NOUN
cana-998	148	8	(	(	PUNCT
cana-998	148	9	sig	sig	NOUN
cana-998	148	10	.	.	PUNCT
cana-998	148	11	)	)	PUNCT
cana-998	148	12	suggest	suggest	VERB
cana-998	148	13	that	that	SCONJ
cana-998	148	14	there	there	PRON
cana-998	148	15	are	be	VERB
cana-998	148	16	significant	significant	ADJ
cana-998	148	17	differences	difference	NOUN
cana-998	148	18	in	in	ADP
cana-998	148	19	the	the	DET
cana-998	148	20	mean	mean	ADJ
cana-998	148	21	usage	usage	NOUN
cana-998	148	22	levels	level	NOUN
cana-998	148	23	of	of	ADP
cana-998	148	24	different	different	ADJ
cana-998	148	25	fintech	fintech	NOUN
cana-998	148	26	services	service	NOUN
cana-998	148	27	among	among	ADP
cana-998	148	28	individuals	individual	NOUN
cana-998	148	29	with	with	ADP
cana-998	148	30	the	the	DET
cana-998	148	31	specified	specify	VERB
cana-998	148	32	annual	annual	ADJ
cana-998	148	33	income	income	NOUN
cana-998	148	34	,	,	PUNCT
cana-998	148	35	given	give	VERB
cana-998	148	36	the	the	DET
cana-998	148	37	low	low	ADJ
cana-998	148	38	p	p	NOUN
cana-998	148	39	-	-	PUNCT
cana-998	148	40	value	value	NOUN
cana-998	148	41	(	(	PUNCT
cana-998	148	42	0	0	NUM
cana-998	148	43	)	)	PUNCT
cana-998	148	44	and	and	CCONJ
cana-998	148	45	high	high	ADJ
cana-998	148	46	f	f	NOUN
cana-998	148	47	-	-	PUNCT
cana-998	148	48	value	value	NOUN
cana-998	148	49	(	(	PUNCT
cana-998	148	50	5.397	5.397	NUM
cana-998	148	51	)	)	PUNCT
cana-998	148	52	.	.	PUNCT
cana-998	149	1	communications	communication	NOUN
cana-998	149	2	on	on	ADP
cana-998	149	3	applied	apply	VERB
cana-998	149	4	nonlinear	nonlinear	ADJ
cana-998	149	5	analysis	analysis	NOUN
cana-998	149	6	issn	issn	NOUN
cana-998	149	7	:	:	PUNCT
cana-998	149	8	1074	1074	NUM
cana-998	149	9	-	-	PUNCT
cana-998	149	10	133x	133x	NUM
cana-998	149	11	vol	vol	NOUN
cana-998	149	12	31	31	NUM
cana-998	149	13	no	no	NOUN
cana-998	149	14	.	.	PUNCT
cana-998	150	1	5s	5s	NUM
cana-998	150	2	(	(	PUNCT
cana-998	150	3	2024	2024	NUM
cana-998	150	4	)	)	PUNCT
cana-998	150	5	48	48	NUM
cana-998	150	6	https://internationalpubls.com	https://internationalpubls.com	X
cana-998	150	7	table	table	NOUN
cana-998	150	8	no	no	PROPN
cana-998	150	9	.	.	NOUN
cana-998	151	1	4.8	4.8	NUM
cana-998	151	2	distribution	distribution	NOUN
cana-998	151	3	of	of	ADP
cana-998	151	4	demographical	demographical	ADJ
cana-998	151	5	profile	profile	NOUN
cana-998	151	6	of	of	ADP
cana-998	151	7	the	the	DET
cana-998	151	8	sample	sample	NOUN
cana-998	151	9	respondents	respondent	NOUN
cana-998	151	10	over	over	ADP
cana-998	151	11	their	their	PRON
cana-998	151	12	influencing	influence	VERB
cana-998	151	13	factors	factor	NOUN
cana-998	151	14	of	of	ADP
cana-998	151	15	the	the	DET
cana-998	151	16	fintech	fintech	NOUN
cana-998	151	17	services	service	NOUN
cana-998	151	18	age	age	NOUN
cana-998	151	19	gender	gender	NOUN
cana-998	151	20	education	education	NOUN
cana-998	151	21	level	level	NOUN
cana-998	151	22	employment	employment	NOUN
cana-998	151	23	status	status	NOUN
cana-998	151	24	annual	annual	ADJ
cana-998	151	25	income	income	NOUN
cana-998	151	26	pearson	pearson	PROPN
cana-998	151	27	chisquare	chisquare	PROPN
cana-998	151	28	tests	test	VERB
cana-998	151	29	pearson	pearson	PROPN
cana-998	151	30	chisquare	chisquare	PROPN
cana-998	151	31	tests	test	VERB
cana-998	151	32	pearson	pearson	PROPN
cana-998	151	33	chisquare	chisquare	PROPN
cana-998	151	34	tests	test	VERB
cana-998	151	35	pearson	pearson	PROPN
cana-998	151	36	chisquare	chisquare	PROPN
cana-998	151	37	tests	test	VERB
cana-998	151	38	pearson	pearson	PROPN
cana-998	151	39	chisquare	chisquare	PROPN
cana-998	151	40	tests	test	VERB
cana-998	151	41	valu	valu	VERB
cana-998	151	42	e	e	PROPN
cana-998	151	43	d	d	NOUN
cana-998	151	44	f	f	PROPN
cana-998	151	45	asymp	asymp	PROPN
cana-998	151	46	totic	totic	ADJ
cana-998	151	47	signifi	signifi	NOUN
cana-998	151	48	cance	cance	NOUN
cana-998	151	49	(	(	PUNCT
cana-998	151	50	2sided	2sided	NUM
cana-998	151	51	)	)	PUNCT
cana-998	151	52	val	val	NOUN
cana-998	151	53	ue	ue	INTJ
cana-998	152	1	d	d	X
cana-998	152	2	f	f	PROPN
cana-998	152	3	asymp	asymp	PROPN
cana-998	152	4	totic	totic	ADJ
cana-998	152	5	signifi	signifi	NOUN
cana-998	152	6	cance	cance	NOUN
cana-998	152	7	(	(	PUNCT
cana-998	152	8	2sided	2sided	NUM
cana-998	152	9	)	)	PUNCT
cana-998	152	10	valu	valu	NOUN
cana-998	152	11	e	e	PROPN
cana-998	152	12	d	d	NOUN
cana-998	152	13	f	f	PROPN
cana-998	152	14	asymp	asymp	PROPN
cana-998	152	15	totic	totic	ADJ
cana-998	152	16	signifi	signifi	NOUN
cana-998	152	17	cance	cance	NOUN
cana-998	152	18	(	(	PUNCT
cana-998	152	19	2sided	2sided	NUM
cana-998	152	20	)	)	PUNCT
cana-998	152	21	valu	valu	NOUN
cana-998	152	22	e	e	PROPN
cana-998	152	23	d	d	NOUN
cana-998	152	24	f	f	PROPN
cana-998	152	25	asymp	asymp	PROPN
cana-998	152	26	totic	totic	ADJ
cana-998	152	27	signifi	signifi	NOUN
cana-998	152	28	cance	cance	NOUN
cana-998	152	29	(	(	PUNCT
cana-998	152	30	2sided	2sided	NUM
cana-998	152	31	)	)	PUNCT
cana-998	152	32	valu	valu	NOUN
cana-998	152	33	e	e	PROPN
cana-998	152	34	d	d	NOUN
cana-998	152	35	f	f	PROPN
cana-998	152	36	asymp	asymp	PROPN
cana-998	152	37	totic	totic	ADJ
cana-998	152	38	signifi	signifi	NOUN
cana-998	152	39	cance	cance	NOUN
cana-998	152	40	(	(	PUNCT
cana-998	152	41	2sided	2sided	NUM
cana-998	152	42	)	)	PUNCT
cana-998	152	43	regula	regula	NOUN
cana-998	152	44	r	r	NOUN
cana-998	152	45	enviro	enviro	NOUN
cana-998	152	46	nment	nment	ADP
cana-998	152	47	67.5	67.5	NUM
cana-998	152	48	27a	27a	NOUN
cana-998	152	49	1	1	NUM
cana-998	152	50	2	2	NUM
cana-998	152	51	0	0	NUM
cana-998	152	52	21.9	21.9	NUM
cana-998	152	53	68a	68a	NOUN
cana-998	152	54	4	4	NUM
cana-998	152	55	0	0	NUM
cana-998	152	56	112	112	NUM
cana-998	152	57	.	.	PUNCT
cana-998	153	1	049a	049a	ADJ
cana-998	153	2	1	1	NUM
cana-998	153	3	6	6	NUM
cana-998	153	4	0	0	NUM
cana-998	153	5	78.4	78.4	NUM
cana-998	153	6	93a	93a	NOUN
cana-998	153	7	1	1	NUM
cana-998	153	8	6	6	NUM
cana-998	153	9	0	0	NUM
cana-998	153	10	53.1	53.1	NUM
cana-998	153	11	25a	25a	NOUN
cana-998	153	12	1	1	NUM
cana-998	153	13	2	2	NUM
cana-998	153	14	0	0	NUM
cana-998	153	15	social	social	ADJ
cana-998	153	16	influen	influen	NOUN
cana-998	153	17	ce	ce	PROPN
cana-998	153	18	24.5	24.5	NUM
cana-998	153	19	72a	72a	NOUN
cana-998	153	20	9	9	NUM
cana-998	153	21	0.003	0.003	NUM
cana-998	153	22	12.4	12.4	NUM
cana-998	153	23	46a	46a	NOUN
cana-998	153	24	3	3	NUM
cana-998	153	25	0.006	0.006	NUM
cana-998	153	26	47.5	47.5	NUM
cana-998	153	27	17a	17a	NOUN
cana-998	153	28	1	1	NUM
cana-998	153	29	2	2	NUM
cana-998	153	30	0	0	NUM
cana-998	153	31	87.3	87.3	NUM
cana-998	153	32	45a	45a	NUM
cana-998	153	33	1	1	NUM
cana-998	153	34	2	2	NUM
cana-998	153	35	0	0	NUM
cana-998	153	36	19.7	19.7	NUM
cana-998	153	37	67a	67a	NUM
cana-998	153	38	9	9	NUM
cana-998	153	39	0.019	0.019	NUM
cana-998	153	40	cash	cash	NOUN
cana-998	153	41	back	back	ADV
cana-998	153	42	56.8	56.8	NUM
cana-998	153	43	42a	42a	NOUN
cana-998	153	44	9	9	NUM
cana-998	153	45	0	0	NUM
cana-998	153	46	17.3	17.3	NUM
cana-998	153	47	80a	80a	NOUN
cana-998	153	48	3	3	NUM
cana-998	153	49	0.001	0.001	NUM
cana-998	153	50	64.9	64.9	NUM
cana-998	153	51	43a	43a	NOUN
cana-998	153	52	1	1	NUM
cana-998	153	53	2	2	NUM
cana-998	153	54	0	0	NUM
cana-998	153	55	78.2	78.2	NUM
cana-998	153	56	14a	14a	NOUN
cana-998	153	57	1	1	NUM
cana-998	153	58	2	2	NUM
cana-998	153	59	0	0	NUM
cana-998	153	60	33.2	33.2	NUM
cana-998	153	61	74a	74a	NOUN
cana-998	153	62	9	9	NUM
cana-998	153	63	0	0	NUM
cana-998	153	64	rewar	rewar	NOUN
cana-998	153	65	ds	ds	PROPN
cana-998	153	66	16.4	16.4	NUM
cana-998	153	67	08a	08a	NOUN
cana-998	153	68	9	9	NUM
cana-998	153	69	0.059	0.059	NUM
cana-998	153	70	29.0	29.0	NUM
cana-998	153	71	63a	63a	NUM
cana-998	153	72	3	3	NUM
cana-998	153	73	0	0	NUM
cana-998	153	74	82.8	82.8	NUM
cana-998	153	75	73a	73a	NUM
cana-998	153	76	1	1	NUM
cana-998	153	77	2	2	NUM
cana-998	153	78	0	0	NUM
cana-998	153	79	82.0	82.0	NUM
cana-998	153	80	82a	82a	NUM
cana-998	153	81	1	1	NUM
cana-998	153	82	2	2	NUM
cana-998	153	83	0	0	NUM
cana-998	153	84	100	100	NUM
cana-998	153	85	.	.	PUNCT
cana-998	154	1	749a	749a	VERB
cana-998	154	2	9	9	NUM
cana-998	154	3	0	0	NUM
cana-998	154	4	refere	refere	VERB
cana-998	154	5	nce	nce	NOUN
cana-998	154	6	group	group	NOUN
cana-998	154	7	70.3	70.3	NUM
cana-998	154	8	62a	62a	NOUN
cana-998	154	9	1	1	NUM
cana-998	154	10	2	2	NUM
cana-998	154	11	0	0	NUM
cana-998	154	12	52.9	52.9	NUM
cana-998	154	13	54a	54a	NOUN
cana-998	154	14	4	4	NUM
cana-998	154	15	0	0	NUM
cana-998	154	16	125	125	NUM
cana-998	154	17	.	.	PUNCT
cana-998	155	1	274a	274a	NUM
cana-998	155	2	1	1	NUM
cana-998	155	3	6	6	NUM
cana-998	155	4	0	0	NUM
cana-998	155	5	99.7	99.7	NUM
cana-998	155	6	78a	78a	NOUN
cana-998	155	7	1	1	NUM
cana-998	155	8	6	6	NUM
cana-998	155	9	0	0	NUM
cana-998	155	10	174	174	NUM
cana-998	155	11	.	.	PUNCT
cana-998	156	1	148a	148a	NOUN
cana-998	156	2	1	1	NUM
cana-998	156	3	2	2	NUM
cana-998	156	4	0	0	NUM
cana-998	156	5	conviv	conviv	NOUN
cana-998	156	6	ence	ence	NOUN
cana-998	156	7	61.2	61.2	NUM
cana-998	156	8	37a	37a	NOUN
cana-998	156	9	1	1	NUM
cana-998	156	10	2	2	NUM
cana-998	156	11	0	0	NUM
cana-998	156	12	16.1	16.1	NUM
cana-998	156	13	15a	15a	NOUN
cana-998	156	14	4	4	NUM
cana-998	156	15	0.003	0.003	NUM
cana-998	156	16	137	137	NUM
cana-998	156	17	.	.	PUNCT
cana-998	157	1	299a	299a	NOUN
cana-998	157	2	1	1	NUM
cana-998	157	3	6	6	NUM
cana-998	157	4	0	0	NUM
cana-998	157	5	146	146	NUM
cana-998	157	6	.	.	PUNCT
cana-998	158	1	903a	903a	NOUN
cana-998	158	2	1	1	NUM
cana-998	158	3	6	6	NUM
cana-998	158	4	0	0	NUM
cana-998	158	5	61.3	61.3	NUM
cana-998	158	6	56a	56a	NUM
cana-998	158	7	1	1	NUM
cana-998	158	8	2	2	NUM
cana-998	158	9	0	0	NUM
cana-998	158	10	cost	cost	NOUN
cana-998	158	11	effectiv	effectiv	PROPN
cana-998	158	12	eness	eness	PROPN
cana-998	158	13	145	145	NUM
cana-998	158	14	.	.	PUNCT
cana-998	158	15	981a	981a	NOUN
cana-998	158	16	9	9	NUM
cana-998	158	17	0	0	NUM
cana-998	158	18	31.3	31.3	NUM
cana-998	158	19	65a	65a	NOUN
cana-998	158	20	3	3	NUM
cana-998	158	21	0	0	NUM
cana-998	158	22	77.5	77.5	NUM
cana-998	158	23	27a	27a	NOUN
cana-998	158	24	1	1	NUM
cana-998	158	25	2	2	NUM
cana-998	158	26	0	0	NUM
cana-998	158	27	47.6	47.6	NUM
cana-998	158	28	62a	62a	NOUN
cana-998	158	29	1	1	NUM
cana-998	158	30	2	2	NUM
cana-998	158	31	0	0	NUM
cana-998	158	32	123	123	NUM
cana-998	158	33	.	.	PUNCT
cana-998	159	1	074a	074a	NOUN
cana-998	159	2	9	9	NUM
cana-998	159	3	0	0	NUM
cana-998	159	4	trust	trust	NOUN
cana-998	159	5	and	and	CCONJ
cana-998	159	6	securit	securit	VERB
cana-998	159	7	y	y	PROPN
cana-998	159	8	116	116	NUM
cana-998	159	9	.	.	PUNCT
cana-998	160	1	258a	258a	ADP
cana-998	160	2	9	9	NUM
cana-998	160	3	0	0	NUM
cana-998	160	4	79.8	79.8	NUM
cana-998	160	5	98a	98a	NOUN
cana-998	160	6	3	3	NUM
cana-998	160	7	0	0	NUM
cana-998	160	8	101	101	NUM
cana-998	160	9	.	.	PUNCT
cana-998	161	1	697a	697a	NUM
cana-998	161	2	1	1	NUM
cana-998	161	3	2	2	NUM
cana-998	161	4	0	0	NUM
cana-998	161	5	61.5	61.5	NUM
cana-998	161	6	94a	94a	NUM
cana-998	161	7	1	1	NUM
cana-998	161	8	2	2	NUM
cana-998	161	9	0	0	NUM
cana-998	161	10	102	102	NUM
cana-998	161	11	.	.	PUNCT
cana-998	162	1	243a	243a	NOUN
cana-998	162	2	9	9	NUM
cana-998	162	3	0	0	NUM
cana-998	162	4	financi	financi	PROPN
cana-998	162	5	al	al	PROPN
cana-998	162	6	literacy	literacy	PROPN
cana-998	162	7	69.7	69.7	NUM
cana-998	162	8	58a	58a	NOUN
cana-998	162	9	9	9	NUM
cana-998	162	10	0	0	NUM
cana-998	162	11	75.2	75.2	NUM
cana-998	162	12	74a	74a	NOUN
cana-998	162	13	3	3	NUM
cana-998	162	14	0	0	NUM
cana-998	162	15	94.9	94.9	NUM
cana-998	162	16	35a	35a	NOUN
cana-998	162	17	1	1	NUM
cana-998	162	18	2	2	NUM
cana-998	162	19	0	0	NUM
cana-998	162	20	143	143	NUM
cana-998	162	21	.	.	PUNCT
cana-998	162	22	071a	071a	PROPN
cana-998	162	23	1	1	NUM
cana-998	162	24	2	2	NUM
cana-998	162	25	0	0	NUM
cana-998	162	26	152	152	NUM
cana-998	162	27	.	.	PUNCT
cana-998	163	1	435a	435a	NUM
cana-998	163	2	9	9	NUM
cana-998	163	3	0	0	NUM
cana-998	163	4	solutio	solutio	NOUN
cana-998	163	5	ns	ns	NUM
cana-998	163	6	are	be	AUX
cana-998	163	7	easily	easily	ADV
cana-998	163	8	adapta	adapta	VERB
cana-998	163	9	ble	ble	ADJ
cana-998	163	10	to	to	ADP
cana-998	163	11	changi	changi	PROPN
cana-998	163	12	ng	ng	PROPN
cana-998	163	13	custom	custom	PROPN
cana-998	163	14	er	er	INTJ
cana-998	163	15	needs	need	VERB
cana-998	163	16	64.8	64.8	NUM
cana-998	163	17	61a	61a	NOUN
cana-998	164	1	1	1	NUM
cana-998	164	2	2	2	NUM
cana-998	164	3	0	0	NUM
cana-998	164	4	94.0	94.0	NUM
cana-998	164	5	04a	04a	ADP
cana-998	164	6	4	4	NUM
cana-998	164	7	0	0	NUM
cana-998	164	8	132	132	NUM
cana-998	164	9	.	.	PUNCT
cana-998	165	1	769a	769a	NUM
cana-998	165	2	1	1	NUM
cana-998	165	3	6	6	NUM
cana-998	165	4	0	0	NUM
cana-998	165	5	161	161	NUM
cana-998	165	6	.	.	PUNCT
cana-998	166	1	345a	345a	NUM
cana-998	166	2	1	1	NUM
cana-998	166	3	6	6	NUM
cana-998	166	4	0	0	NUM
cana-998	166	5	130	130	NUM
cana-998	166	6	.	.	PUNCT
cana-998	166	7	999a	999a	NOUN
cana-998	166	8	1	1	NUM
cana-998	166	9	2	2	NUM
cana-998	166	10	0	0	NUM
cana-998	166	11	communications	communication	NOUN
cana-998	166	12	on	on	ADP
cana-998	166	13	applied	apply	VERB
cana-998	166	14	nonlinear	nonlinear	ADJ
cana-998	166	15	analysis	analysis	NOUN
cana-998	166	16	issn	issn	NOUN
cana-998	166	17	:	:	PUNCT
cana-998	166	18	1074	1074	NUM
cana-998	166	19	-	-	PUNCT
cana-998	166	20	133x	133x	NUM
cana-998	166	21	vol	vol	NOUN
cana-998	166	22	31	31	NUM
cana-998	166	23	no	no	NOUN
cana-998	166	24	.	.	PUNCT
cana-998	167	1	5s	5s	NUM
cana-998	167	2	(	(	PUNCT
cana-998	167	3	2024	2024	NUM
cana-998	167	4	)	)	PUNCT
cana-998	167	5	49	49	NUM
cana-998	167	6	https://internationalpubls.com	https://internationalpubls.com	X
cana-998	168	1	the	the	DET
cana-998	168	2	table	table	NOUN
cana-998	168	3	no.4.8	no.4.8	ADJ
cana-998	168	4	shows	show	VERB
cana-998	168	5	that	that	SCONJ
cana-998	168	6	demographical	demographical	ADJ
cana-998	168	7	profile	profile	NOUN
cana-998	168	8	of	of	ADP
cana-998	168	9	the	the	DET
cana-998	168	10	respondents	respondent	NOUN
cana-998	168	11	and	and	CCONJ
cana-998	168	12	influence	influence	NOUN
cana-998	168	13	factors	factor	NOUN
cana-998	168	14	on	on	ADP
cana-998	168	15	fintech	fintech	NOUN
cana-998	168	16	.	.	PUNCT
cana-998	169	1	regular	regular	ADJ
cana-998	169	2	environment	environment	NOUN
cana-998	169	3	:	:	PUNCT
cana-998	169	4	the	the	DET
cana-998	169	5	preferences	preference	NOUN
cana-998	169	6	or	or	CCONJ
cana-998	169	7	responses	response	NOUN
cana-998	169	8	regarding	regard	VERB
cana-998	169	9	the	the	DET
cana-998	169	10	regular	regular	ADJ
cana-998	169	11	environment	environment	NOUN
cana-998	169	12	vary	vary	VERB
cana-998	169	13	significantly	significantly	ADV
cana-998	169	14	across	across	ADP
cana-998	169	15	different	different	ADJ
cana-998	169	16	demographic	demographic	ADJ
cana-998	169	17	groups	group	NOUN
cana-998	169	18	(	(	PUNCT
cana-998	169	19	age	age	NOUN
cana-998	169	20	,	,	PUNCT
cana-998	169	21	gender	gender	NOUN
cana-998	169	22	,	,	PUNCT
cana-998	169	23	education	education	NOUN
cana-998	169	24	level	level	NOUN
cana-998	169	25	,	,	PUNCT
cana-998	169	26	employment	employment	NOUN
cana-998	169	27	status	status	NOUN
cana-998	169	28	,	,	PUNCT
cana-998	169	29	and	and	CCONJ
cana-998	169	30	annual	annual	ADJ
cana-998	169	31	income	income	NOUN
cana-998	169	32	)	)	PUNCT
cana-998	169	33	.	.	PUNCT
cana-998	170	1	this	this	PRON
cana-998	170	2	suggests	suggest	VERB
cana-998	170	3	that	that	SCONJ
cana-998	170	4	factors	factor	NOUN
cana-998	170	5	related	relate	VERB
cana-998	170	6	to	to	ADP
cana-998	170	7	the	the	DET
cana-998	170	8	regular	regular	ADJ
cana-998	170	9	environment	environment	NOUN
cana-998	170	10	play	play	VERB
cana-998	170	11	a	a	DET
cana-998	170	12	significant	significant	ADJ
cana-998	170	13	role	role	NOUN
cana-998	170	14	in	in	ADP
cana-998	170	15	shaping	shape	VERB
cana-998	170	16	individuals	individual	NOUN
cana-998	170	17	'	'	PART
cana-998	170	18	choices	choice	NOUN
cana-998	170	19	or	or	CCONJ
cana-998	170	20	perceptions	perception	NOUN
cana-998	170	21	.	.	PUNCT
cana-998	171	1	social	social	ADJ
cana-998	171	2	influence	influence	NOUN
cana-998	171	3	:	:	PUNCT
cana-998	171	4	there	there	PRON
cana-998	171	5	is	be	VERB
cana-998	171	6	a	a	DET
cana-998	171	7	notable	notable	ADJ
cana-998	171	8	impact	impact	NOUN
cana-998	171	9	of	of	ADP
cana-998	171	10	social	social	ADJ
cana-998	171	11	influence	influence	NOUN
cana-998	171	12	on	on	ADP
cana-998	171	13	people	people	NOUN
cana-998	171	14	's	's	PART
cana-998	171	15	decisions	decision	NOUN
cana-998	171	16	or	or	CCONJ
cana-998	171	17	attitudes	attitude	NOUN
cana-998	171	18	,	,	PUNCT
cana-998	171	19	indicating	indicate	VERB
cana-998	171	20	that	that	SCONJ
cana-998	171	21	individuals	individual	NOUN
cana-998	171	22	are	be	AUX
cana-998	171	23	influenced	influence	VERB
cana-998	171	24	by	by	ADP
cana-998	171	25	their	their	PRON
cana-998	171	26	social	social	ADJ
cana-998	171	27	circles	circle	NOUN
cana-998	171	28	or	or	CCONJ
cana-998	171	29	networks	network	NOUN
cana-998	171	30	when	when	SCONJ
cana-998	171	31	it	it	PRON
cana-998	171	32	comes	come	VERB
cana-998	171	33	to	to	ADP
cana-998	171	34	certain	certain	ADJ
cana-998	171	35	aspects	aspect	NOUN
cana-998	171	36	.	.	PUNCT
cana-998	172	1	cash	cash	NOUN
cana-998	172	2	back	back	ADV
cana-998	172	3	:	:	PUNCT
cana-998	172	4	the	the	DET
cana-998	172	5	preference	preference	NOUN
cana-998	172	6	for	for	ADP
cana-998	172	7	cash	cash	NOUN
cana-998	172	8	back	back	NOUN
cana-998	172	9	options	option	NOUN
cana-998	172	10	differs	differ	VERB
cana-998	172	11	significantly	significantly	ADV
cana-998	172	12	among	among	ADP
cana-998	172	13	different	different	ADJ
cana-998	172	14	demographic	demographic	ADJ
cana-998	172	15	groups	group	NOUN
cana-998	172	16	,	,	PUNCT
cana-998	172	17	implying	imply	VERB
cana-998	172	18	that	that	SCONJ
cana-998	172	19	individuals	individual	NOUN
cana-998	172	20	from	from	ADP
cana-998	172	21	various	various	ADJ
cana-998	172	22	backgrounds	background	NOUN
cana-998	172	23	may	may	AUX
cana-998	172	24	have	have	VERB
cana-998	172	25	varying	vary	VERB
cana-998	172	26	preferences	preference	NOUN
cana-998	172	27	or	or	CCONJ
cana-998	172	28	priorities	priority	NOUN
cana-998	172	29	related	relate	VERB
cana-998	172	30	to	to	PART
cana-998	172	31	cash	cash	VERB
cana-998	172	32	back	back	ADV
cana-998	172	33	incentives.rewards	incentives.reward	NOUN
cana-998	172	34	:	:	PUNCT
cana-998	172	35	while	while	SCONJ
cana-998	172	36	there	there	PRON
cana-998	172	37	's	be	VERB
cana-998	172	38	a	a	DET
cana-998	172	39	slight	slight	ADJ
cana-998	172	40	indication	indication	NOUN
cana-998	172	41	of	of	ADP
cana-998	172	42	a	a	DET
cana-998	172	43	difference	difference	NOUN
cana-998	172	44	in	in	ADP
cana-998	172	45	preferences	preference	NOUN
cana-998	172	46	for	for	ADP
cana-998	172	47	rewards	reward	NOUN
cana-998	172	48	across	across	ADP
cana-998	172	49	demographic	demographic	ADJ
cana-998	172	50	groups	group	NOUN
cana-998	172	51	,	,	PUNCT
cana-998	172	52	it	it	PRON
cana-998	172	53	's	be	AUX
cana-998	172	54	not	not	PART
cana-998	172	55	as	as	ADV
cana-998	172	56	pronounced	pronounce	VERB
cana-998	172	57	as	as	ADP
cana-998	172	58	in	in	ADP
cana-998	172	59	other	other	ADJ
cana-998	172	60	factors	factor	NOUN
cana-998	172	61	.	.	PUNCT
cana-998	173	1	this	this	PRON
cana-998	173	2	suggests	suggest	VERB
cana-998	173	3	that	that	SCONJ
cana-998	173	4	factors	factor	NOUN
cana-998	173	5	other	other	ADJ
cana-998	173	6	than	than	ADP
cana-998	173	7	rewards	reward	NOUN
cana-998	173	8	might	might	AUX
cana-998	173	9	play	play	VERB
cana-998	173	10	a	a	DET
cana-998	173	11	more	more	ADV
cana-998	173	12	significant	significant	ADJ
cana-998	173	13	role	role	NOUN
cana-998	173	14	in	in	ADP
cana-998	173	15	influencing	influence	VERB
cana-998	173	16	decisions	decision	NOUN
cana-998	173	17	or	or	CCONJ
cana-998	173	18	attitudes	attitude	NOUN
cana-998	173	19	.	.	PUNCT
cana-998	174	1	reference	reference	NOUN
cana-998	174	2	group	group	NOUN
cana-998	174	3	:	:	PUNCT
cana-998	174	4	the	the	DET
cana-998	174	5	concept	concept	NOUN
cana-998	174	6	of	of	ADP
cana-998	174	7	a	a	DET
cana-998	174	8	reference	reference	NOUN
cana-998	174	9	group	group	NOUN
cana-998	174	10	significantly	significantly	ADV
cana-998	174	11	affects	affect	VERB
cana-998	174	12	individuals	individual	NOUN
cana-998	174	13	'	'	PART
cana-998	174	14	choices	choice	NOUN
cana-998	174	15	or	or	CCONJ
cana-998	174	16	perceptions	perception	NOUN
cana-998	174	17	,	,	PUNCT
cana-998	174	18	indicating	indicate	VERB
cana-998	174	19	that	that	SCONJ
cana-998	174	20	people	people	NOUN
cana-998	174	21	tend	tend	VERB
cana-998	174	22	to	to	PART
cana-998	174	23	compare	compare	VERB
cana-998	174	24	themselves	themselves	PRON
cana-998	174	25	with	with	ADP
cana-998	174	26	others	other	NOUN
cana-998	174	27	or	or	CCONJ
cana-998	174	28	seek	seek	VERB
cana-998	174	29	validation	validation	NOUN
cana-998	174	30	from	from	ADP
cana-998	174	31	certain	certain	ADJ
cana-998	174	32	groups	group	NOUN
cana-998	174	33	.	.	PUNCT
cana-998	175	1	convivence	convivence	NOUN
cana-998	175	2	:	:	PUNCT
cana-998	175	3	the	the	DET
cana-998	175	4	aspect	aspect	NOUN
cana-998	175	5	of	of	ADP
cana-998	175	6	convenience	convenience	NOUN
cana-998	175	7	has	have	VERB
cana-998	175	8	a	a	DET
cana-998	175	9	substantial	substantial	ADJ
cana-998	175	10	impact	impact	NOUN
cana-998	175	11	on	on	ADP
cana-998	175	12	individuals	individual	NOUN
cana-998	175	13	'	'	PART
cana-998	175	14	preferences	preference	NOUN
cana-998	175	15	or	or	CCONJ
cana-998	175	16	responses	response	NOUN
cana-998	175	17	,	,	PUNCT
cana-998	175	18	suggesting	suggest	VERB
cana-998	175	19	that	that	SCONJ
cana-998	175	20	ease	ease	NOUN
cana-998	175	21	of	of	ADP
cana-998	175	22	use	use	NOUN
cana-998	175	23	or	or	CCONJ
cana-998	175	24	accessibility	accessibility	NOUN
cana-998	175	25	is	be	AUX
cana-998	175	26	a	a	DET
cana-998	175	27	crucial	crucial	ADJ
cana-998	175	28	factor	factor	NOUN
cana-998	175	29	for	for	ADP
cana-998	175	30	many	many	ADJ
cana-998	175	31	people	people	NOUN
cana-998	175	32	.	.	PUNCT
cana-998	176	1	cost	cost	NOUN
cana-998	176	2	effectiveness	effectiveness	NOUN
cana-998	176	3	:	:	PUNCT
cana-998	176	4	different	different	ADJ
cana-998	176	5	demographic	demographic	ADJ
cana-998	176	6	groups	group	NOUN
cana-998	176	7	show	show	VERB
cana-998	176	8	significant	significant	ADJ
cana-998	176	9	differences	difference	NOUN
cana-998	176	10	in	in	ADP
cana-998	176	11	their	their	PRON
cana-998	176	12	perception	perception	NOUN
cana-998	176	13	of	of	ADP
cana-998	176	14	cost	cost	NOUN
cana-998	176	15	effectiveness	effectiveness	NOUN
cana-998	176	16	,	,	PUNCT
cana-998	176	17	highlighting	highlight	VERB
cana-998	176	18	varying	vary	VERB
cana-998	176	19	priorities	priority	NOUN
cana-998	176	20	or	or	CCONJ
cana-998	176	21	considerations	consideration	NOUN
cana-998	176	22	related	relate	VERB
cana-998	176	23	to	to	ADP
cana-998	176	24	financial	financial	ADJ
cana-998	176	25	matters	matter	NOUN
cana-998	176	26	.	.	PUNCT
cana-998	177	1	trust	trust	NOUN
cana-998	177	2	and	and	CCONJ
cana-998	177	3	security	security	NOUN
cana-998	177	4	:	:	PUNCT
cana-998	177	5	trust	trust	NOUN
cana-998	177	6	and	and	CCONJ
cana-998	177	7	security	security	NOUN
cana-998	177	8	concerns	concern	NOUN
cana-998	177	9	significantly	significantly	ADV
cana-998	177	10	influence	influence	VERB
cana-998	177	11	individuals	individual	NOUN
cana-998	177	12	'	'	PART
cana-998	177	13	decisions	decision	NOUN
cana-998	177	14	or	or	CCONJ
cana-998	177	15	attitudes	attitude	NOUN
cana-998	177	16	across	across	ADP
cana-998	177	17	different	different	ADJ
cana-998	177	18	demographic	demographic	ADJ
cana-998	177	19	groups	group	NOUN
cana-998	177	20	,	,	PUNCT
cana-998	177	21	indicating	indicate	VERB
cana-998	177	22	the	the	DET
cana-998	177	23	importance	importance	NOUN
cana-998	177	24	of	of	ADP
cana-998	177	25	trustworthiness	trustworthiness	NOUN
cana-998	177	26	and	and	CCONJ
cana-998	177	27	security	security	NOUN
cana-998	177	28	measures	measure	NOUN
cana-998	177	29	in	in	ADP
cana-998	177	30	consumer	consumer	NOUN
cana-998	177	31	choices	choice	NOUN
cana-998	177	32	.	.	PUNCT
cana-998	178	1	financial	financial	ADJ
cana-998	178	2	literacy	literacy	NOUN
cana-998	178	3	:	:	PUNCT
cana-998	178	4	there	there	PRON
cana-998	178	5	are	be	VERB
cana-998	178	6	significant	significant	ADJ
cana-998	178	7	differences	difference	NOUN
cana-998	178	8	in	in	ADP
cana-998	178	9	the	the	DET
cana-998	178	10	perception	perception	NOUN
cana-998	178	11	of	of	ADP
cana-998	178	12	financial	financial	ADJ
cana-998	178	13	literacy	literacy	NOUN
cana-998	178	14	among	among	ADP
cana-998	178	15	various	various	ADJ
cana-998	178	16	demographic	demographic	ADJ
cana-998	178	17	groups	group	NOUN
cana-998	178	18	,	,	PUNCT
cana-998	178	19	implying	imply	VERB
cana-998	178	20	varying	vary	VERB
cana-998	178	21	levels	level	NOUN
cana-998	178	22	of	of	ADP
cana-998	178	23	understanding	understanding	NOUN
cana-998	178	24	or	or	CCONJ
cana-998	178	25	knowledge	knowledge	NOUN
cana-998	178	26	regarding	regard	VERB
cana-998	178	27	financial	financial	ADJ
cana-998	178	28	matters	matter	NOUN
cana-998	178	29	.	.	PUNCT
cana-998	179	1	solutions	solution	NOUN
cana-998	179	2	are	be	AUX
cana-998	179	3	easily	easily	ADV
cana-998	179	4	adaptable	adaptable	ADJ
cana-998	179	5	to	to	ADP
cana-998	179	6	changing	change	VERB
cana-998	179	7	customer	customer	NOUN
cana-998	179	8	needs	need	VERB
cana-998	179	9	:	:	PUNCT
cana-998	179	10	the	the	DET
cana-998	179	11	adaptability	adaptability	NOUN
cana-998	179	12	of	of	ADP
cana-998	179	13	solutions	solution	NOUN
cana-998	179	14	to	to	ADP
cana-998	179	15	changing	change	VERB
cana-998	179	16	customer	customer	NOUN
cana-998	179	17	needs	need	NOUN
cana-998	179	18	is	be	AUX
cana-998	179	19	highly	highly	ADV
cana-998	179	20	valued	value	VERB
cana-998	179	21	across	across	ADP
cana-998	179	22	different	different	ADJ
cana-998	179	23	demographic	demographic	ADJ
cana-998	179	24	groups	group	NOUN
cana-998	179	25	,	,	PUNCT
cana-998	179	26	suggesting	suggest	VERB
cana-998	179	27	a	a	DET
cana-998	179	28	universal	universal	ADJ
cana-998	179	29	preference	preference	NOUN
cana-998	179	30	for	for	ADP
cana-998	179	31	flexible	flexible	ADJ
cana-998	179	32	and	and	CCONJ
cana-998	179	33	responsive	responsive	ADJ
cana-998	179	34	solutions	solution	NOUN
cana-998	179	35	.	.	PUNCT
cana-998	180	1	table	table	NOUN
cana-998	181	1	no	no	NOUN
cana-998	181	2	.	.	NOUN
cana-998	182	1	4.9	4.9	NUM
cana-998	182	2	distribution	distribution	NOUN
cana-998	182	3	of	of	ADP
cana-998	182	4	age	age	NOUN
cana-998	182	5	wise	wise	ADJ
cana-998	182	6	sample	sample	NOUN
cana-998	182	7	respondents	respondent	NOUN
cana-998	182	8	over	over	ADP
cana-998	182	9	their	their	PRON
cana-998	182	10	problems	problem	NOUN
cana-998	182	11	on	on	ADP
cana-998	182	12	usage	usage	NOUN
cana-998	182	13	of	of	ADP
cana-998	182	14	fintech	fintech	NOUN
cana-998	182	15	distribution	distribution	NOUN
cana-998	182	16	of	of	ADP
cana-998	182	17	age	age	NOUN
cana-998	182	18	wise	wise	ADJ
cana-998	182	19	sample	sample	NOUN
cana-998	182	20	respondents	respondent	NOUN
cana-998	182	21	over	over	ADP
cana-998	182	22	their	their	PRON
cana-998	182	23	problems	problem	NOUN
cana-998	182	24	on	on	ADP
cana-998	182	25	usage	usage	NOUN
cana-998	182	26	of	of	ADP
cana-998	182	27	fintech	fintech	NOUN
cana-998	182	28	r	r	NOUN
cana-998	182	29	mean	mean	NOUN
cana-998	182	30	square	square	PROPN
cana-998	182	31	f	f	PROPN
cana-998	182	32	sig	sig	PROPN
cana-998	182	33	.	.	PUNCT
cana-998	183	1	security	security	NOUN
cana-998	183	2	concerns	concern	VERB
cana-998	183	3	0.072	0.072	NUM
cana-998	183	4	1.432	1.432	NUM
cana-998	183	5	1.469	1.469	NUM
cana-998	183	6	0.224	0.224	NUM
cana-998	183	7	technical	technical	ADJ
cana-998	183	8	glitches	glitch	NOUN
cana-998	183	9	-0.276	-0.276	NOUN
cana-998	184	1	46.411	46.411	NUM
cana-998	184	2	29.575	29.575	NUM
cana-998	184	3	0	0	NUM
cana-998	184	4	lack	lack	NOUN
cana-998	184	5	of	of	ADP
cana-998	184	6	customer	customer	NOUN
cana-998	184	7	support	support	VERB
cana-998	184	8	0.427	0.427	NUM
cana-998	184	9	7.465	7.465	NUM
cana-998	184	10	17.557	17.557	NUM
cana-998	184	11	0	0	NUM
cana-998	184	12	transaction	transaction	NOUN
cana-998	184	13	delays	delay	VERB
cana-998	184	14	0.088	0.088	NUM
cana-998	184	15	1.619	1.619	NUM
cana-998	184	16	2.388	2.388	NUM
cana-998	184	17	0.07	0.07	NUM
cana-998	184	18	complexity	complexity	NOUN
cana-998	184	19	of	of	ADP
cana-998	184	20	terms	term	NOUN
cana-998	184	21	and	and	CCONJ
cana-998	184	22	conditions	condition	NOUN
cana-998	184	23	0.195	0.195	NUM
cana-998	184	24	22.947	22.947	NUM
cana-998	184	25	17.974	17.974	NUM
cana-998	184	26	0	0	NUM
cana-998	184	27	hidden	hide	VERB
cana-998	184	28	fees	fee	NOUN
cana-998	184	29	0.321	0.321	NUM
cana-998	184	30	14.216	14.216	NUM
cana-998	184	31	9.03	9.03	NUM
cana-998	184	32	0	0	NUM
cana-998	184	33	data	datum	NOUN
cana-998	184	34	privacy	privacy	NOUN
cana-998	184	35	concerns	concern	VERB
cana-998	184	36	0.05	0.05	NUM
cana-998	184	37	17.341	17.341	NUM
cana-998	184	38	14.124	14.124	NUM
cana-998	184	39	0	0	NUM
cana-998	184	40	inconsistent	inconsistent	ADJ
cana-998	184	41	performance	performance	NOUN
cana-998	184	42	-0.025	-0.025	PUNCT
cana-998	184	43	0.736	0.736	NUM
cana-998	184	44	0.651	0.651	NUM
cana-998	184	45	0.583	0.583	NUM
cana-998	184	46	lack	lack	NOUN
cana-998	184	47	of	of	ADP
cana-998	184	48	personalization	personalization	NOUN
cana-998	184	49	-0.355	-0.355	PUNCT
cana-998	185	1	21.064	21.064	NUM
cana-998	185	2	12.712	12.712	NUM
cana-998	185	3	0	0	NUM
cana-998	185	4	table	table	NOUN
cana-998	185	5	no	no	NOUN
cana-998	185	6	.	.	PROPN
cana-998	185	7	4.9	4.9	NUM
cana-998	185	8	shows	show	VERB
cana-998	185	9	that	that	SCONJ
cana-998	185	10	distribution	distribution	NOUN
cana-998	185	11	of	of	ADP
cana-998	185	12	age	age	NOUN
cana-998	185	13	wise	wise	ADJ
cana-998	185	14	sample	sample	NOUN
cana-998	185	15	respondents	respondent	NOUN
cana-998	185	16	over	over	ADP
cana-998	185	17	their	their	PRON
cana-998	185	18	problems	problem	NOUN
cana-998	185	19	on	on	ADP
cana-998	185	20	usage	usage	NOUN
cana-998	185	21	of	of	ADP
cana-998	185	22	fintech	fintech	NOUN
cana-998	185	23	.	.	PUNCT
cana-998	186	1	security	security	NOUN
cana-998	186	2	concerns	concern	NOUN
cana-998	186	3	:	:	PUNCT
cana-998	186	4	there	there	PRON
cana-998	186	5	is	be	VERB
cana-998	186	6	a	a	DET
cana-998	186	7	weak	weak	ADJ
cana-998	186	8	positive	positive	ADJ
cana-998	186	9	association	association	NOUN
cana-998	186	10	(	(	PUNCT
cana-998	186	11	r	r	NOUN
cana-998	186	12	=	=	NOUN
cana-998	186	13	0.072	0.072	NUM
cana-998	186	14	)	)	PUNCT
cana-998	186	15	between	between	ADP
cana-998	186	16	security	security	NOUN
cana-998	186	17	concerns	concern	NOUN
cana-998	186	18	and	and	CCONJ
cana-998	186	19	age	age	NOUN
cana-998	186	20	,	,	PUNCT
cana-998	186	21	suggesting	suggest	VERB
cana-998	186	22	that	that	SCONJ
cana-998	186	23	as	as	ADP
cana-998	186	24	age	age	NOUN
cana-998	186	25	increases	increase	NOUN
cana-998	186	26	,	,	PUNCT
cana-998	186	27	there	there	PRON
cana-998	186	28	is	be	VERB
cana-998	186	29	a	a	DET
cana-998	186	30	slight	slight	ADJ
cana-998	186	31	tendency	tendency	NOUN
cana-998	186	32	for	for	SCONJ
cana-998	186	33	security	security	NOUN
cana-998	186	34	concerns	concern	NOUN
cana-998	186	35	to	to	PART
cana-998	186	36	also	also	ADV
cana-998	186	37	increase	increase	VERB
cana-998	186	38	.	.	PUNCT
cana-998	187	1	however	however	ADV
cana-998	187	2	,	,	PUNCT
cana-998	187	3	this	this	DET
cana-998	187	4	association	association	NOUN
cana-998	187	5	is	be	AUX
cana-998	187	6	not	not	PART
cana-998	187	7	statistically	statistically	ADV
cana-998	187	8	significant	significant	ADJ
cana-998	187	9	(	(	PUNCT
cana-998	187	10	sig	sig	NOUN
cana-998	187	11	.	.	PUNCT
cana-998	188	1	=	=	PUNCT
cana-998	188	2	0.224	0.224	NUM
cana-998	188	3	)	)	PUNCT
cana-998	188	4	,	,	PUNCT
cana-998	188	5	indicating	indicate	VERB
cana-998	188	6	that	that	SCONJ
cana-998	188	7	age	age	NOUN
cana-998	188	8	alone	alone	ADV
cana-998	188	9	may	may	AUX
cana-998	188	10	not	not	PART
cana-998	188	11	be	be	AUX
cana-998	188	12	a	a	DET
cana-998	188	13	strong	strong	ADJ
cana-998	188	14	predictor	predictor	NOUN
cana-998	188	15	of	of	ADP
cana-998	188	16	security	security	NOUN
cana-998	188	17	concerns	concern	NOUN
cana-998	188	18	.	.	PUNCT
cana-998	189	1	technical	technical	ADJ
cana-998	189	2	glitches	glitch	NOUN
cana-998	189	3	:	:	PUNCT
cana-998	189	4	there	there	PRON
cana-998	189	5	is	be	VERB
cana-998	189	6	a	a	DET
cana-998	189	7	moderate	moderate	ADJ
cana-998	189	8	communications	communication	NOUN
cana-998	189	9	on	on	ADP
cana-998	189	10	applied	apply	VERB
cana-998	189	11	nonlinear	nonlinear	ADJ
cana-998	189	12	analysis	analysis	NOUN
cana-998	189	13	issn	issn	NOUN
cana-998	189	14	:	:	PUNCT
cana-998	189	15	1074	1074	NUM
cana-998	189	16	-	-	PUNCT
cana-998	189	17	133x	133x	NUM
cana-998	189	18	vol	vol	NOUN
cana-998	189	19	31	31	NUM
cana-998	189	20	no	no	NOUN
cana-998	189	21	.	.	PUNCT
cana-998	190	1	5s	5s	NUM
cana-998	190	2	(	(	PUNCT
cana-998	190	3	2024	2024	NUM
cana-998	190	4	)	)	PUNCT
cana-998	190	5	50	50	NUM
cana-998	190	6	https://internationalpubls.com	https://internationalpubls.com	NUM
cana-998	190	7	negative	negative	ADJ
cana-998	190	8	association	association	NOUN
cana-998	190	9	(	(	PUNCT
cana-998	190	10	r	r	NOUN
cana-998	190	11	=	=	SYM
cana-998	190	12	-0.276	-0.276	NOUN
cana-998	190	13	)	)	PUNCT
cana-998	190	14	between	between	ADP
cana-998	190	15	technical	technical	ADJ
cana-998	190	16	glitches	glitch	NOUN
cana-998	190	17	and	and	CCONJ
cana-998	190	18	age	age	NOUN
cana-998	190	19	.	.	PUNCT
cana-998	191	1	this	this	PRON
cana-998	191	2	suggests	suggest	VERB
cana-998	191	3	that	that	SCONJ
cana-998	191	4	as	as	SCONJ
cana-998	191	5	age	age	NOUN
cana-998	191	6	increases	increase	NOUN
cana-998	191	7	,	,	PUNCT
cana-998	191	8	there	there	PRON
cana-998	191	9	is	be	VERB
cana-998	191	10	a	a	DET
cana-998	191	11	tendency	tendency	NOUN
cana-998	191	12	for	for	SCONJ
cana-998	191	13	technical	technical	ADJ
cana-998	191	14	glitches	glitch	NOUN
cana-998	191	15	to	to	PART
cana-998	191	16	decrease	decrease	VERB
cana-998	191	17	.	.	PUNCT
cana-998	192	1	this	this	DET
cana-998	192	2	association	association	NOUN
cana-998	192	3	is	be	AUX
cana-998	192	4	statistically	statistically	ADV
cana-998	192	5	significant	significant	ADJ
cana-998	192	6	(	(	PUNCT
cana-998	192	7	sig	sig	NOUN
cana-998	192	8	.	.	PUNCT
cana-998	193	1	=	=	PUNCT
cana-998	193	2	0	0	NUM
cana-998	193	3	)	)	PUNCT
cana-998	193	4	,	,	PUNCT
cana-998	193	5	indicating	indicate	VERB
cana-998	193	6	that	that	SCONJ
cana-998	193	7	age	age	NOUN
cana-998	193	8	is	be	AUX
cana-998	193	9	a	a	DET
cana-998	193	10	predictor	predictor	NOUN
cana-998	193	11	of	of	ADP
cana-998	193	12	technical	technical	ADJ
cana-998	193	13	glitches	glitch	NOUN
cana-998	193	14	.	.	PUNCT
cana-998	194	1	lack	lack	NOUN
cana-998	194	2	of	of	ADP
cana-998	194	3	customer	customer	NOUN
cana-998	194	4	support	support	NOUN
cana-998	194	5	:	:	PUNCT
cana-998	194	6	there	there	PRON
cana-998	194	7	is	be	VERB
cana-998	194	8	a	a	DET
cana-998	194	9	moderate	moderate	ADJ
cana-998	194	10	positive	positive	ADJ
cana-998	194	11	association	association	NOUN
cana-998	194	12	(	(	PUNCT
cana-998	194	13	r	r	NOUN
cana-998	194	14	=	=	NOUN
cana-998	194	15	0.427	0.427	NUM
cana-998	194	16	)	)	PUNCT
cana-998	194	17	between	between	ADP
cana-998	194	18	lack	lack	NOUN
cana-998	194	19	of	of	ADP
cana-998	194	20	customer	customer	NOUN
cana-998	194	21	support	support	NOUN
cana-998	194	22	and	and	CCONJ
cana-998	194	23	age	age	NOUN
cana-998	194	24	.	.	PUNCT
cana-998	195	1	this	this	PRON
cana-998	195	2	suggests	suggest	VERB
cana-998	195	3	that	that	SCONJ
cana-998	195	4	as	as	SCONJ
cana-998	195	5	age	age	NOUN
cana-998	195	6	increases	increase	NOUN
cana-998	195	7	,	,	PUNCT
cana-998	195	8	there	there	PRON
cana-998	195	9	is	be	VERB
cana-998	195	10	a	a	DET
cana-998	195	11	tendency	tendency	NOUN
cana-998	195	12	for	for	SCONJ
cana-998	195	13	concerns	concern	NOUN
cana-998	195	14	about	about	ADP
cana-998	195	15	lack	lack	NOUN
cana-998	195	16	of	of	ADP
cana-998	195	17	customer	customer	NOUN
cana-998	195	18	support	support	NOUN
cana-998	195	19	to	to	PART
cana-998	195	20	also	also	ADV
cana-998	195	21	increase	increase	VERB
cana-998	195	22	.	.	PUNCT
cana-998	196	1	this	this	DET
cana-998	196	2	association	association	NOUN
cana-998	196	3	is	be	AUX
cana-998	196	4	statistically	statistically	ADV
cana-998	196	5	significant	significant	ADJ
cana-998	196	6	(	(	PUNCT
cana-998	196	7	sig	sig	NOUN
cana-998	196	8	.	.	PUNCT
cana-998	197	1	=	=	PUNCT
cana-998	197	2	0	0	NUM
cana-998	197	3	)	)	PUNCT
cana-998	197	4	,	,	PUNCT
cana-998	197	5	indicating	indicate	VERB
cana-998	197	6	that	that	SCONJ
cana-998	197	7	age	age	NOUN
cana-998	197	8	is	be	AUX
cana-998	197	9	a	a	DET
cana-998	197	10	predictor	predictor	NOUN
cana-998	197	11	of	of	ADP
cana-998	197	12	lack	lack	NOUN
cana-998	197	13	of	of	ADP
cana-998	197	14	customer	customer	NOUN
cana-998	197	15	support	support	NOUN
cana-998	197	16	concerns	concern	NOUN
cana-998	197	17	.	.	PUNCT
cana-998	198	1	transaction	transaction	NOUN
cana-998	198	2	delays	delay	NOUN
cana-998	198	3	:	:	PUNCT
cana-998	198	4	there	there	PRON
cana-998	198	5	is	be	VERB
cana-998	198	6	a	a	DET
cana-998	198	7	weak	weak	ADJ
cana-998	198	8	positive	positive	ADJ
cana-998	198	9	association	association	NOUN
cana-998	198	10	(	(	PUNCT
cana-998	198	11	r	r	NOUN
cana-998	198	12	=	=	NOUN
cana-998	198	13	0.088	0.088	NUM
cana-998	198	14	)	)	PUNCT
cana-998	198	15	between	between	ADP
cana-998	198	16	transaction	transaction	NOUN
cana-998	198	17	delays	delay	NOUN
cana-998	198	18	and	and	CCONJ
cana-998	198	19	age	age	NOUN
cana-998	198	20	.	.	PUNCT
cana-998	199	1	this	this	PRON
cana-998	199	2	suggests	suggest	VERB
cana-998	199	3	that	that	SCONJ
cana-998	199	4	as	as	SCONJ
cana-998	199	5	age	age	NOUN
cana-998	199	6	increases	increase	NOUN
cana-998	199	7	,	,	PUNCT
cana-998	199	8	there	there	PRON
cana-998	199	9	is	be	VERB
cana-998	199	10	a	a	DET
cana-998	199	11	slight	slight	ADJ
cana-998	199	12	tendency	tendency	NOUN
cana-998	199	13	for	for	ADP
cana-998	199	14	concerns	concern	NOUN
cana-998	199	15	about	about	ADP
cana-998	199	16	transaction	transaction	NOUN
cana-998	199	17	delays	delay	NOUN
cana-998	199	18	to	to	PART
cana-998	199	19	increase	increase	VERB
cana-998	199	20	.	.	PUNCT
cana-998	200	1	however	however	ADV
cana-998	200	2	,	,	PUNCT
cana-998	200	3	this	this	DET
cana-998	200	4	association	association	NOUN
cana-998	200	5	is	be	AUX
cana-998	200	6	not	not	PART
cana-998	200	7	statistically	statistically	ADV
cana-998	200	8	significant	significant	ADJ
cana-998	200	9	(	(	PUNCT
cana-998	200	10	sig	sig	NOUN
cana-998	200	11	.	.	PUNCT
cana-998	201	1	=	=	NOUN
cana-998	201	2	0.07	0.07	NUM
cana-998	201	3	)	)	PUNCT
cana-998	201	4	,	,	PUNCT
cana-998	201	5	indicating	indicate	VERB
cana-998	201	6	that	that	SCONJ
cana-998	201	7	age	age	NOUN
cana-998	201	8	alone	alone	ADV
cana-998	201	9	may	may	AUX
cana-998	201	10	not	not	PART
cana-998	201	11	be	be	AUX
cana-998	201	12	a	a	DET
cana-998	201	13	strong	strong	ADJ
cana-998	201	14	predictor	predictor	NOUN
cana-998	201	15	of	of	ADP
cana-998	201	16	transaction	transaction	NOUN
cana-998	201	17	delays	delay	NOUN
cana-998	201	18	concerns	concern	NOUN
cana-998	201	19	.	.	PUNCT
cana-998	202	1	complexity	complexity	NOUN
cana-998	202	2	of	of	ADP
cana-998	202	3	terms	term	NOUN
cana-998	202	4	and	and	CCONJ
cana-998	202	5	conditions	condition	NOUN
cana-998	202	6	:	:	PUNCT
cana-998	202	7	there	there	PRON
cana-998	202	8	is	be	VERB
cana-998	202	9	a	a	DET
cana-998	202	10	moderate	moderate	ADJ
cana-998	202	11	positive	positive	ADJ
cana-998	202	12	association	association	NOUN
cana-998	202	13	(	(	PUNCT
cana-998	202	14	r	r	NOUN
cana-998	202	15	=	=	NOUN
cana-998	202	16	0.195	0.195	NUM
cana-998	202	17	)	)	PUNCT
cana-998	202	18	between	between	ADP
cana-998	202	19	complexity	complexity	NOUN
cana-998	202	20	of	of	ADP
cana-998	202	21	terms	term	NOUN
cana-998	202	22	and	and	CCONJ
cana-998	202	23	conditions	condition	NOUN
cana-998	202	24	and	and	CCONJ
cana-998	202	25	age	age	NOUN
cana-998	202	26	.	.	PUNCT
cana-998	203	1	this	this	PRON
cana-998	203	2	suggests	suggest	VERB
cana-998	203	3	that	that	SCONJ
cana-998	203	4	as	as	SCONJ
cana-998	203	5	age	age	NOUN
cana-998	203	6	increases	increase	NOUN
cana-998	203	7	,	,	PUNCT
cana-998	203	8	there	there	PRON
cana-998	203	9	is	be	VERB
cana-998	203	10	a	a	DET
cana-998	203	11	tendency	tendency	NOUN
cana-998	203	12	for	for	SCONJ
cana-998	203	13	concerns	concern	NOUN
cana-998	203	14	about	about	ADP
cana-998	203	15	the	the	DET
cana-998	203	16	complexity	complexity	NOUN
cana-998	203	17	of	of	ADP
cana-998	203	18	terms	term	NOUN
cana-998	203	19	and	and	CCONJ
cana-998	203	20	conditions	condition	NOUN
cana-998	203	21	to	to	PART
cana-998	203	22	also	also	ADV
cana-998	203	23	increase	increase	VERB
cana-998	203	24	.	.	PUNCT
cana-998	204	1	this	this	DET
cana-998	204	2	association	association	NOUN
cana-998	204	3	is	be	AUX
cana-998	204	4	statistically	statistically	ADV
cana-998	204	5	significant	significant	ADJ
cana-998	204	6	(	(	PUNCT
cana-998	204	7	sig	sig	NOUN
cana-998	204	8	.	.	PUNCT
cana-998	205	1	=	=	PUNCT
cana-998	205	2	0	0	NUM
cana-998	205	3	)	)	PUNCT
cana-998	205	4	,	,	PUNCT
cana-998	205	5	indicating	indicate	VERB
cana-998	205	6	that	that	SCONJ
cana-998	205	7	age	age	NOUN
cana-998	205	8	is	be	AUX
cana-998	205	9	a	a	DET
cana-998	205	10	predictor	predictor	NOUN
cana-998	205	11	of	of	ADP
cana-998	205	12	concerns	concern	NOUN
cana-998	205	13	regarding	regard	VERB
cana-998	205	14	the	the	DET
cana-998	205	15	complexity	complexity	NOUN
cana-998	205	16	of	of	ADP
cana-998	205	17	terms	term	NOUN
cana-998	205	18	and	and	CCONJ
cana-998	205	19	conditions	condition	NOUN
cana-998	205	20	.	.	PUNCT
cana-998	206	1	hidden	hide	VERB
cana-998	206	2	fees	fee	NOUN
cana-998	206	3	:	:	PUNCT
cana-998	206	4	there	there	PRON
cana-998	206	5	is	be	VERB
cana-998	206	6	a	a	DET
cana-998	206	7	moderate	moderate	ADJ
cana-998	206	8	positive	positive	ADJ
cana-998	206	9	association	association	NOUN
cana-998	206	10	(	(	PUNCT
cana-998	206	11	r	r	NOUN
cana-998	206	12	=	=	NOUN
cana-998	206	13	0.321	0.321	NUM
cana-998	206	14	)	)	PUNCT
cana-998	206	15	between	between	ADP
cana-998	206	16	hidden	hide	VERB
cana-998	206	17	fees	fee	NOUN
cana-998	206	18	and	and	CCONJ
cana-998	206	19	age	age	NOUN
cana-998	206	20	.	.	PUNCT
cana-998	207	1	this	this	PRON
cana-998	207	2	suggests	suggest	VERB
cana-998	207	3	that	that	SCONJ
cana-998	207	4	as	as	SCONJ
cana-998	207	5	age	age	NOUN
cana-998	207	6	increases	increase	NOUN
cana-998	207	7	,	,	PUNCT
cana-998	207	8	there	there	PRON
cana-998	207	9	is	be	VERB
cana-998	207	10	a	a	DET
cana-998	207	11	tendency	tendency	NOUN
cana-998	207	12	for	for	ADP
cana-998	207	13	concerns	concern	NOUN
cana-998	207	14	about	about	ADP
cana-998	207	15	hidden	hide	VERB
cana-998	207	16	fees	fee	NOUN
cana-998	207	17	to	to	PART
cana-998	207	18	also	also	ADV
cana-998	207	19	increase	increase	VERB
cana-998	207	20	.	.	PUNCT
cana-998	208	1	this	this	DET
cana-998	208	2	association	association	NOUN
cana-998	208	3	is	be	AUX
cana-998	208	4	statistically	statistically	ADV
cana-998	208	5	significant	significant	ADJ
cana-998	208	6	(	(	PUNCT
cana-998	208	7	sig	sig	NOUN
cana-998	208	8	.	.	PUNCT
cana-998	209	1	=	=	PUNCT
cana-998	209	2	0	0	NUM
cana-998	209	3	)	)	PUNCT
cana-998	209	4	,	,	PUNCT
cana-998	209	5	indicating	indicate	VERB
cana-998	209	6	that	that	SCONJ
cana-998	209	7	age	age	NOUN
cana-998	209	8	is	be	AUX
cana-998	209	9	a	a	DET
cana-998	209	10	predictor	predictor	NOUN
cana-998	209	11	of	of	ADP
cana-998	209	12	concerns	concern	NOUN
cana-998	209	13	regarding	regard	VERB
cana-998	209	14	hidden	hidden	ADJ
cana-998	209	15	fees	fee	NOUN
cana-998	209	16	.	.	PUNCT
cana-998	210	1	data	datum	NOUN
cana-998	210	2	privacy	privacy	NOUN
cana-998	210	3	concerns	concern	NOUN
cana-998	210	4	:	:	PUNCT
cana-998	210	5	there	there	PRON
cana-998	210	6	is	be	VERB
cana-998	210	7	a	a	DET
cana-998	210	8	weak	weak	ADJ
cana-998	210	9	positive	positive	ADJ
cana-998	210	10	association	association	NOUN
cana-998	210	11	(	(	PUNCT
cana-998	210	12	r	r	NOUN
cana-998	210	13	=	=	NOUN
cana-998	210	14	0.05	0.05	NUM
cana-998	210	15	)	)	PUNCT
cana-998	210	16	between	between	ADP
cana-998	210	17	data	datum	NOUN
cana-998	210	18	privacy	privacy	NOUN
cana-998	210	19	concerns	concern	NOUN
cana-998	210	20	and	and	CCONJ
cana-998	210	21	age	age	NOUN
cana-998	210	22	.	.	PUNCT
cana-998	211	1	this	this	PRON
cana-998	211	2	suggests	suggest	VERB
cana-998	211	3	that	that	SCONJ
cana-998	211	4	as	as	SCONJ
cana-998	211	5	age	age	NOUN
cana-998	211	6	increases	increase	NOUN
cana-998	211	7	,	,	PUNCT
cana-998	211	8	there	there	PRON
cana-998	211	9	is	be	VERB
cana-998	211	10	a	a	DET
cana-998	211	11	slight	slight	ADJ
cana-998	211	12	tendency	tendency	NOUN
cana-998	211	13	for	for	SCONJ
cana-998	211	14	concerns	concern	NOUN
cana-998	211	15	about	about	ADP
cana-998	211	16	data	datum	NOUN
cana-998	211	17	privacy	privacy	NOUN
cana-998	211	18	to	to	PART
cana-998	211	19	increase	increase	VERB
cana-998	211	20	.	.	PUNCT
cana-998	212	1	however	however	ADV
cana-998	212	2	,	,	PUNCT
cana-998	212	3	this	this	DET
cana-998	212	4	association	association	NOUN
cana-998	212	5	is	be	AUX
cana-998	212	6	not	not	PART
cana-998	212	7	statistically	statistically	ADV
cana-998	212	8	significant	significant	ADJ
cana-998	212	9	(	(	PUNCT
cana-998	212	10	sig	sig	NOUN
cana-998	212	11	.	.	PUNCT
cana-998	213	1	=	=	PUNCT
cana-998	213	2	0.124	0.124	NUM
cana-998	213	3	)	)	PUNCT
cana-998	213	4	,	,	PUNCT
cana-998	213	5	indicating	indicate	VERB
cana-998	213	6	that	that	SCONJ
cana-998	213	7	age	age	NOUN
cana-998	213	8	alone	alone	ADV
cana-998	213	9	may	may	AUX
cana-998	213	10	not	not	PART
cana-998	213	11	be	be	AUX
cana-998	213	12	a	a	DET
cana-998	213	13	strong	strong	ADJ
cana-998	213	14	predictor	predictor	NOUN
cana-998	213	15	of	of	ADP
cana-998	213	16	data	data	PROPN
cana-998	213	17	privacy	privacy	NOUN
cana-998	213	18	concerns	concern	NOUN
cana-998	213	19	.	.	PUNCT
cana-998	214	1	inconsistent	inconsistent	ADJ
cana-998	214	2	performance	performance	NOUN
cana-998	214	3	:	:	PUNCT
cana-998	214	4	there	there	PRON
cana-998	214	5	is	be	VERB
cana-998	214	6	a	a	DET
cana-998	214	7	weak	weak	ADJ
cana-998	214	8	negative	negative	ADJ
cana-998	214	9	association	association	NOUN
cana-998	214	10	(	(	PUNCT
cana-998	214	11	r	r	NOUN
cana-998	214	12	=	=	PUNCT
cana-998	214	13	-0.025	-0.025	NOUN
cana-998	214	14	)	)	PUNCT
cana-998	214	15	between	between	ADP
cana-998	214	16	inconsistent	inconsistent	ADJ
cana-998	214	17	performance	performance	NOUN
cana-998	214	18	and	and	CCONJ
cana-998	214	19	age	age	NOUN
cana-998	214	20	.	.	PUNCT
cana-998	215	1	this	this	PRON
cana-998	215	2	suggests	suggest	VERB
cana-998	215	3	that	that	SCONJ
cana-998	215	4	as	as	SCONJ
cana-998	215	5	age	age	NOUN
cana-998	215	6	increases	increase	NOUN
cana-998	215	7	,	,	PUNCT
cana-998	215	8	there	there	PRON
cana-998	215	9	is	be	VERB
cana-998	215	10	a	a	DET
cana-998	215	11	slight	slight	ADJ
cana-998	215	12	tendency	tendency	NOUN
cana-998	215	13	for	for	ADP
cana-998	215	14	concerns	concern	NOUN
cana-998	215	15	about	about	ADP
cana-998	215	16	inconsistent	inconsistent	ADJ
cana-998	215	17	performance	performance	NOUN
cana-998	215	18	to	to	PART
cana-998	215	19	decrease	decrease	VERB
cana-998	215	20	.	.	PUNCT
cana-998	216	1	however	however	ADV
cana-998	216	2	,	,	PUNCT
cana-998	216	3	this	this	DET
cana-998	216	4	association	association	NOUN
cana-998	216	5	is	be	AUX
cana-998	216	6	not	not	PART
cana-998	216	7	statistically	statistically	ADV
cana-998	216	8	significant	significant	ADJ
cana-998	216	9	(	(	PUNCT
cana-998	216	10	sig	sig	NOUN
cana-998	216	11	.	.	PUNCT
cana-998	217	1	=	=	NOUN
cana-998	217	2	0.583	0.583	NUM
cana-998	217	3	)	)	PUNCT
cana-998	217	4	,	,	PUNCT
cana-998	217	5	indicating	indicate	VERB
cana-998	217	6	that	that	SCONJ
cana-998	217	7	age	age	NOUN
cana-998	217	8	alone	alone	ADV
cana-998	217	9	may	may	AUX
cana-998	217	10	not	not	PART
cana-998	217	11	be	be	AUX
cana-998	217	12	a	a	DET
cana-998	217	13	strong	strong	ADJ
cana-998	217	14	predictor	predictor	NOUN
cana-998	217	15	of	of	ADP
cana-998	217	16	concerns	concern	NOUN
cana-998	217	17	regarding	regard	VERB
cana-998	217	18	inconsistent	inconsistent	ADJ
cana-998	217	19	performance	performance	NOUN
cana-998	217	20	.	.	PUNCT
cana-998	218	1	lack	lack	NOUN
cana-998	218	2	of	of	ADP
cana-998	218	3	personalization	personalization	NOUN
cana-998	218	4	:	:	PUNCT
cana-998	218	5	there	there	PRON
cana-998	218	6	is	be	VERB
cana-998	218	7	a	a	DET
cana-998	218	8	moderate	moderate	ADJ
cana-998	218	9	negative	negative	ADJ
cana-998	218	10	association	association	NOUN
cana-998	218	11	(	(	PUNCT
cana-998	218	12	r	r	NOUN
cana-998	218	13	=	=	PUNCT
cana-998	218	14	-0.355	-0.355	NOUN
cana-998	218	15	)	)	PUNCT
cana-998	218	16	between	between	ADP
cana-998	218	17	lack	lack	NOUN
cana-998	218	18	of	of	ADP
cana-998	218	19	personalization	personalization	NOUN
cana-998	218	20	and	and	CCONJ
cana-998	218	21	age	age	NOUN
cana-998	218	22	.	.	PUNCT
cana-998	219	1	this	this	PRON
cana-998	219	2	suggests	suggest	VERB
cana-998	219	3	that	that	SCONJ
cana-998	219	4	as	as	SCONJ
cana-998	219	5	age	age	NOUN
cana-998	219	6	increases	increase	NOUN
cana-998	219	7	,	,	PUNCT
cana-998	219	8	there	there	PRON
cana-998	219	9	is	be	VERB
cana-998	219	10	a	a	DET
cana-998	219	11	tendency	tendency	NOUN
cana-998	219	12	for	for	ADP
cana-998	219	13	concerns	concern	NOUN
cana-998	219	14	about	about	ADP
cana-998	219	15	lack	lack	NOUN
cana-998	219	16	of	of	ADP
cana-998	219	17	personalization	personalization	NOUN
cana-998	219	18	to	to	PART
cana-998	219	19	decrease	decrease	VERB
cana-998	219	20	.	.	PUNCT
cana-998	220	1	this	this	DET
cana-998	220	2	association	association	NOUN
cana-998	220	3	is	be	AUX
cana-998	220	4	statistically	statistically	ADV
cana-998	220	5	significant	significant	ADJ
cana-998	220	6	(	(	PUNCT
cana-998	220	7	sig	sig	NOUN
cana-998	220	8	.	.	PUNCT
cana-998	221	1	=	=	PUNCT
cana-998	221	2	0	0	NUM
cana-998	221	3	)	)	PUNCT
cana-998	221	4	,	,	PUNCT
cana-998	221	5	indicating	indicate	VERB
cana-998	221	6	that	that	SCONJ
cana-998	221	7	age	age	NOUN
cana-998	221	8	is	be	AUX
cana-998	221	9	a	a	DET
cana-998	221	10	predictor	predictor	NOUN
cana-998	221	11	of	of	ADP
cana-998	221	12	concerns	concern	NOUN
cana-998	221	13	regarding	regard	VERB
cana-998	221	14	lack	lack	NOUN
cana-998	221	15	of	of	ADP
cana-998	221	16	personalization	personalization	NOUN
cana-998	221	17	.	.	PUNCT
cana-998	222	1	table	table	NOUN
cana-998	223	1	no	no	INTJ
cana-998	223	2	.	.	NOUN
cana-998	224	1	4.10	4.10	NUM
cana-998	224	2	distribution	distribution	NOUN
cana-998	224	3	of	of	ADP
cana-998	224	4	education	education	NOUN
cana-998	224	5	level	level	NOUN
cana-998	224	6	wise	wise	ADJ
cana-998	224	7	sample	sample	NOUN
cana-998	224	8	respondents	respondent	NOUN
cana-998	224	9	over	over	ADP
cana-998	224	10	their	their	PRON
cana-998	224	11	problems	problem	NOUN
cana-998	224	12	on	on	ADP
cana-998	224	13	usage	usage	NOUN
cana-998	224	14	of	of	ADP
cana-998	224	15	fintech	fintech	NOUN
cana-998	224	16	distribution	distribution	NOUN
cana-998	224	17	of	of	ADP
cana-998	224	18	education	education	NOUN
cana-998	224	19	level	level	NOUN
cana-998	224	20	wise	wise	ADJ
cana-998	224	21	sample	sample	NOUN
cana-998	224	22	respondents	respondent	NOUN
cana-998	224	23	over	over	ADP
cana-998	224	24	their	their	PRON
cana-998	224	25	problems	problem	NOUN
cana-998	224	26	on	on	ADP
cana-998	224	27	usage	usage	NOUN
cana-998	224	28	of	of	ADP
cana-998	224	29	fintech	fintech	NOUN
cana-998	224	30	r	r	NOUN
cana-998	224	31	mean	mean	NOUN
cana-998	224	32	square	square	PROPN
cana-998	224	33	f	f	PROPN
cana-998	224	34	sig	sig	PROPN
cana-998	224	35	.	.	PUNCT
cana-998	225	1	security	security	NOUN
cana-998	225	2	concerns	concern	NOUN
cana-998	225	3	-0.497	-0.497	PUNCT
cana-998	225	4	16.389	16.389	NUM
cana-998	225	5	23.74	23.74	NUM
cana-998	225	6	0	0	NUM
cana-998	225	7	technical	technical	ADJ
cana-998	225	8	glitches	glitch	NOUN
cana-998	225	9	-0.002	-0.002	PUNCT
cana-998	226	1	31.855	31.855	NUM
cana-998	226	2	19.514	19.514	NUM
cana-998	226	3	0	0	NUM
cana-998	226	4	lack	lack	NOUN
cana-998	226	5	of	of	ADP
cana-998	226	6	customer	customer	NOUN
cana-998	226	7	support	support	NOUN
cana-998	226	8	-0.029	-0.029	NOUN
cana-998	226	9	6.23	6.23	NUM
cana-998	226	10	15.003	15.003	NUM
cana-998	226	11	0	0	NUM
cana-998	226	12	transaction	transaction	NOUN
cana-998	226	13	delays	delay	NOUN
cana-998	226	14	-0.138	-0.138	PROPN
cana-998	227	1	11.414	11.414	NUM
cana-998	227	2	23.357	23.357	NUM
cana-998	227	3	0	0	NUM
cana-998	227	4	complexity	complexity	NOUN
cana-998	227	5	of	of	ADP
cana-998	227	6	terms	term	NOUN
cana-998	227	7	and	and	CCONJ
cana-998	227	8	conditions	condition	NOUN
cana-998	227	9	0.004	0.004	NUM
cana-998	227	10	9.622	9.622	NUM
cana-998	227	11	6.748	6.748	NUM
cana-998	227	12	0	0	NUM
cana-998	227	13	hidden	hide	VERB
cana-998	227	14	fees	fee	NOUN
cana-998	227	15	-0.022	-0.022	ADP
cana-998	227	16	13.62	13.62	NUM
cana-998	227	17	8.925	8.925	NUM
cana-998	227	18	0	0	NUM
cana-998	227	19	data	datum	NOUN
cana-998	227	20	privacy	privacy	NOUN
cana-998	227	21	concerns	concern	NOUN
cana-998	227	22	-0.189	-0.189	PUNCT
cana-998	227	23	4.677	4.677	NUM
cana-998	227	24	3.363	3.363	NUM
cana-998	227	25	0.011	0.011	NUM
cana-998	227	26	inconsistent	inconsistent	ADJ
cana-998	227	27	performance	performance	NOUN
cana-998	227	28	-0.268	-0.268	PUNCT
cana-998	227	29	7.833	7.833	NUM
cana-998	227	30	7.843	7.843	NUM
cana-998	227	31	0	0	NUM
cana-998	227	32	lack	lack	NOUN
cana-998	227	33	of	of	ADP
cana-998	227	34	personalization	personalization	NOUN
cana-998	227	35	0.295	0.295	NUM
cana-998	227	36	27.172	27.172	NUM
cana-998	227	37	18.737	18.737	NUM
cana-998	227	38	0	0	NUM
cana-998	227	39	communications	communication	NOUN
cana-998	227	40	on	on	ADP
cana-998	227	41	applied	apply	VERB
cana-998	227	42	nonlinear	nonlinear	ADJ
cana-998	227	43	analysis	analysis	NOUN
cana-998	227	44	issn	issn	NOUN
cana-998	227	45	:	:	PUNCT
cana-998	227	46	1074	1074	NUM
cana-998	227	47	-	-	PUNCT
cana-998	227	48	133x	133x	NUM
cana-998	227	49	vol	vol	NOUN
cana-998	227	50	31	31	NUM
cana-998	227	51	no	no	NOUN
cana-998	227	52	.	.	PUNCT
cana-998	228	1	5s	5s	NUM
cana-998	228	2	(	(	PUNCT
cana-998	228	3	2024	2024	NUM
cana-998	228	4	)	)	PUNCT
cana-998	228	5	51	51	NUM
cana-998	228	6	https://internationalpubls.com	https://internationalpubls.com	X
cana-998	228	7	table	table	NOUN
cana-998	228	8	4.10	4.10	NUM
cana-998	228	9	shows	show	VERB
cana-998	228	10	that	that	SCONJ
cana-998	228	11	,	,	PUNCT
cana-998	228	12	security	security	NOUN
cana-998	228	13	concerns	concern	NOUN
cana-998	228	14	:	:	PUNCT
cana-998	228	15	there	there	PRON
cana-998	228	16	is	be	VERB
cana-998	228	17	a	a	DET
cana-998	228	18	strong	strong	ADJ
cana-998	228	19	negative	negative	ADJ
cana-998	228	20	association	association	NOUN
cana-998	228	21	(	(	PUNCT
cana-998	228	22	r	r	NOUN
cana-998	228	23	=	=	SYM
cana-998	228	24	-0.497	-0.497	NUM
cana-998	228	25	)	)	PUNCT
cana-998	228	26	between	between	ADP
cana-998	228	27	security	security	NOUN
cana-998	228	28	concerns	concern	NOUN
cana-998	228	29	and	and	CCONJ
cana-998	228	30	education	education	NOUN
cana-998	228	31	level	level	NOUN
cana-998	228	32	.	.	PUNCT
cana-998	229	1	this	this	PRON
cana-998	229	2	indicates	indicate	VERB
cana-998	229	3	that	that	SCONJ
cana-998	229	4	as	as	ADP
cana-998	229	5	education	education	NOUN
cana-998	229	6	level	level	NOUN
cana-998	229	7	increases	increase	NOUN
cana-998	229	8	,	,	PUNCT
cana-998	229	9	there	there	PRON
cana-998	229	10	is	be	VERB
cana-998	229	11	a	a	DET
cana-998	229	12	significant	significant	ADJ
cana-998	229	13	tendency	tendency	NOUN
cana-998	229	14	for	for	SCONJ
cana-998	229	15	security	security	NOUN
cana-998	229	16	concerns	concern	NOUN
cana-998	229	17	to	to	PART
cana-998	229	18	decrease	decrease	VERB
cana-998	229	19	.	.	PUNCT
cana-998	230	1	this	this	DET
cana-998	230	2	association	association	NOUN
cana-998	230	3	is	be	AUX
cana-998	230	4	statistically	statistically	ADV
cana-998	230	5	significant	significant	ADJ
cana-998	230	6	(	(	PUNCT
cana-998	230	7	sig	sig	NOUN
cana-998	230	8	.	.	PUNCT
cana-998	231	1	=	=	PUNCT
cana-998	231	2	0	0	NUM
cana-998	231	3	)	)	PUNCT
cana-998	231	4	,	,	PUNCT
cana-998	231	5	suggesting	suggest	VERB
cana-998	231	6	that	that	SCONJ
cana-998	231	7	education	education	NOUN
cana-998	231	8	level	level	NOUN
cana-998	231	9	is	be	AUX
cana-998	231	10	a	a	DET
cana-998	231	11	strong	strong	ADJ
cana-998	231	12	predictor	predictor	NOUN
cana-998	231	13	of	of	ADP
cana-998	231	14	security	security	NOUN
cana-998	231	15	concerns	concern	NOUN
cana-998	231	16	.	.	PUNCT
cana-998	232	1	technical	technical	ADJ
cana-998	232	2	glitches	glitch	NOUN
cana-998	232	3	:	:	PUNCT
cana-998	232	4	there	there	PRON
cana-998	232	5	is	be	VERB
cana-998	232	6	a	a	DET
cana-998	232	7	negligible	negligible	ADJ
cana-998	232	8	association	association	NOUN
cana-998	232	9	(	(	PUNCT
cana-998	232	10	r	r	NOUN
cana-998	232	11	=	=	SYM
cana-998	232	12	-0.002	-0.002	PUNCT
cana-998	232	13	)	)	PUNCT
cana-998	232	14	between	between	ADP
cana-998	232	15	technical	technical	ADJ
cana-998	232	16	glitches	glitch	NOUN
cana-998	232	17	and	and	CCONJ
cana-998	232	18	education	education	NOUN
cana-998	232	19	level	level	NOUN
cana-998	232	20	.	.	PUNCT
cana-998	233	1	this	this	PRON
cana-998	233	2	suggests	suggest	VERB
cana-998	233	3	that	that	SCONJ
cana-998	233	4	education	education	NOUN
cana-998	233	5	level	level	NOUN
cana-998	233	6	does	do	AUX
cana-998	233	7	not	not	PART
cana-998	233	8	significantly	significantly	ADV
cana-998	233	9	predict	predict	VERB
cana-998	233	10	technical	technical	ADJ
cana-998	233	11	glitches	glitch	NOUN
cana-998	233	12	.	.	PUNCT
cana-998	234	1	however	however	ADV
cana-998	234	2	,	,	PUNCT
cana-998	234	3	the	the	DET
cana-998	234	4	association	association	NOUN
cana-998	234	5	is	be	AUX
cana-998	234	6	statistically	statistically	ADV
cana-998	234	7	significant	significant	ADJ
cana-998	234	8	(	(	PUNCT
cana-998	234	9	sig	sig	NOUN
cana-998	234	10	.	.	PUNCT
cana-998	235	1	=	=	PUNCT
cana-998	235	2	0	0	NUM
cana-998	235	3	)	)	PUNCT
cana-998	235	4	,	,	PUNCT
cana-998	235	5	which	which	PRON
cana-998	235	6	might	might	AUX
cana-998	235	7	suggest	suggest	VERB
cana-998	235	8	a	a	DET
cana-998	235	9	very	very	ADV
cana-998	235	10	subtle	subtle	ADJ
cana-998	235	11	trend	trend	NOUN
cana-998	235	12	.	.	PUNCT
cana-998	236	1	lack	lack	NOUN
cana-998	236	2	of	of	ADP
cana-998	236	3	customer	customer	NOUN
cana-998	236	4	support	support	NOUN
cana-998	236	5	:	:	PUNCT
cana-998	236	6	there	there	PRON
cana-998	236	7	is	be	VERB
cana-998	236	8	a	a	DET
cana-998	236	9	weak	weak	ADJ
cana-998	236	10	negative	negative	ADJ
cana-998	236	11	association	association	NOUN
cana-998	236	12	(	(	PUNCT
cana-998	236	13	r	r	NOUN
cana-998	236	14	=	=	SYM
cana-998	236	15	-0.029	-0.029	NOUN
cana-998	236	16	)	)	PUNCT
cana-998	236	17	between	between	ADP
cana-998	236	18	lack	lack	NOUN
cana-998	236	19	of	of	ADP
cana-998	236	20	customer	customer	NOUN
cana-998	236	21	support	support	NOUN
cana-998	236	22	and	and	CCONJ
cana-998	236	23	education	education	NOUN
cana-998	236	24	level	level	NOUN
cana-998	236	25	.	.	PUNCT
cana-998	237	1	this	this	PRON
cana-998	237	2	suggests	suggest	VERB
cana-998	237	3	that	that	SCONJ
cana-998	237	4	as	as	ADP
cana-998	237	5	education	education	NOUN
cana-998	237	6	level	level	NOUN
cana-998	237	7	increases	increase	NOUN
cana-998	237	8	,	,	PUNCT
cana-998	237	9	there	there	PRON
cana-998	237	10	is	be	VERB
cana-998	237	11	a	a	DET
cana-998	237	12	slight	slight	ADJ
cana-998	237	13	tendency	tendency	NOUN
cana-998	237	14	for	for	SCONJ
cana-998	237	15	concerns	concern	NOUN
cana-998	237	16	about	about	ADP
cana-998	237	17	lack	lack	NOUN
cana-998	237	18	of	of	ADP
cana-998	237	19	customer	customer	NOUN
cana-998	237	20	support	support	NOUN
cana-998	237	21	to	to	PART
cana-998	237	22	decrease	decrease	VERB
cana-998	237	23	.	.	PUNCT
cana-998	238	1	this	this	DET
cana-998	238	2	association	association	NOUN
cana-998	238	3	is	be	AUX
cana-998	238	4	statistically	statistically	ADV
cana-998	238	5	significant	significant	ADJ
cana-998	238	6	(	(	PUNCT
cana-998	238	7	sig	sig	NOUN
cana-998	238	8	.	.	PUNCT
cana-998	239	1	=	=	PUNCT
cana-998	239	2	0	0	NUM
cana-998	239	3	)	)	PUNCT
cana-998	239	4	,	,	PUNCT
cana-998	239	5	indicating	indicate	VERB
cana-998	239	6	that	that	SCONJ
cana-998	239	7	education	education	NOUN
cana-998	239	8	level	level	NOUN
cana-998	239	9	is	be	AUX
cana-998	239	10	a	a	DET
cana-998	239	11	predictor	predictor	NOUN
cana-998	239	12	of	of	ADP
cana-998	239	13	concerns	concern	NOUN
cana-998	239	14	regarding	regard	VERB
cana-998	239	15	lack	lack	NOUN
cana-998	239	16	of	of	ADP
cana-998	239	17	customer	customer	NOUN
cana-998	239	18	support	support	NOUN
cana-998	239	19	.	.	PUNCT
cana-998	240	1	transaction	transaction	NOUN
cana-998	240	2	delays	delay	NOUN
cana-998	240	3	:	:	PUNCT
cana-998	240	4	there	there	PRON
cana-998	240	5	is	be	VERB
cana-998	240	6	a	a	DET
cana-998	240	7	moderate	moderate	ADJ
cana-998	240	8	negative	negative	ADJ
cana-998	240	9	association	association	NOUN
cana-998	240	10	(	(	PUNCT
cana-998	240	11	r	r	NOUN
cana-998	240	12	=	=	SYM
cana-998	240	13	-0.138	-0.138	PROPN
cana-998	240	14	)	)	PUNCT
cana-998	240	15	between	between	ADP
cana-998	240	16	transaction	transaction	NOUN
cana-998	240	17	delays	delay	NOUN
cana-998	240	18	and	and	CCONJ
cana-998	240	19	education	education	NOUN
cana-998	240	20	level	level	NOUN
cana-998	240	21	.	.	PUNCT
cana-998	241	1	this	this	PRON
cana-998	241	2	indicates	indicate	VERB
cana-998	241	3	that	that	SCONJ
cana-998	241	4	as	as	ADP
cana-998	241	5	education	education	NOUN
cana-998	241	6	level	level	NOUN
cana-998	241	7	increases	increase	NOUN
cana-998	241	8	,	,	PUNCT
cana-998	241	9	there	there	PRON
cana-998	241	10	is	be	VERB
cana-998	241	11	a	a	DET
cana-998	241	12	tendency	tendency	NOUN
cana-998	241	13	for	for	SCONJ
cana-998	241	14	concerns	concern	NOUN
cana-998	241	15	about	about	ADP
cana-998	241	16	transaction	transaction	NOUN
cana-998	241	17	delays	delay	NOUN
cana-998	241	18	to	to	PART
cana-998	241	19	decrease	decrease	VERB
cana-998	241	20	.	.	PUNCT
cana-998	242	1	this	this	DET
cana-998	242	2	association	association	NOUN
cana-998	242	3	is	be	AUX
cana-998	242	4	statistically	statistically	ADV
cana-998	242	5	significant	significant	ADJ
cana-998	242	6	(	(	PUNCT
cana-998	242	7	sig	sig	NOUN
cana-998	242	8	.	.	PUNCT
cana-998	243	1	=	=	PUNCT
cana-998	243	2	0	0	NUM
cana-998	243	3	)	)	PUNCT
cana-998	243	4	,	,	PUNCT
cana-998	243	5	suggesting	suggest	VERB
cana-998	243	6	that	that	SCONJ
cana-998	243	7	education	education	NOUN
cana-998	243	8	level	level	NOUN
cana-998	243	9	is	be	AUX
cana-998	243	10	a	a	DET
cana-998	243	11	predictor	predictor	NOUN
cana-998	243	12	of	of	ADP
cana-998	243	13	concerns	concern	NOUN
cana-998	243	14	regarding	regard	VERB
cana-998	243	15	transaction	transaction	NOUN
cana-998	243	16	delays	delay	NOUN
cana-998	243	17	.	.	PUNCT
cana-998	244	1	complexity	complexity	NOUN
cana-998	244	2	of	of	ADP
cana-998	244	3	terms	term	NOUN
cana-998	244	4	and	and	CCONJ
cana-998	244	5	conditions	condition	NOUN
cana-998	244	6	:	:	PUNCT
cana-998	244	7	there	there	PRON
cana-998	244	8	is	be	VERB
cana-998	244	9	a	a	DET
cana-998	244	10	negligible	negligible	ADJ
cana-998	244	11	positive	positive	ADJ
cana-998	244	12	association	association	NOUN
cana-998	244	13	(	(	PUNCT
cana-998	244	14	r	r	NOUN
cana-998	244	15	=	=	NOUN
cana-998	244	16	0.004	0.004	NUM
cana-998	244	17	)	)	PUNCT
cana-998	244	18	between	between	ADP
cana-998	244	19	the	the	DET
cana-998	244	20	complexity	complexity	NOUN
cana-998	244	21	of	of	ADP
cana-998	244	22	terms	term	NOUN
cana-998	244	23	and	and	CCONJ
cana-998	244	24	conditions	condition	NOUN
cana-998	244	25	and	and	CCONJ
cana-998	244	26	education	education	NOUN
cana-998	244	27	level	level	NOUN
cana-998	244	28	.	.	PUNCT
cana-998	245	1	this	this	PRON
cana-998	245	2	suggests	suggest	VERB
cana-998	245	3	that	that	SCONJ
cana-998	245	4	education	education	NOUN
cana-998	245	5	level	level	NOUN
cana-998	245	6	does	do	AUX
cana-998	245	7	not	not	PART
cana-998	245	8	significantly	significantly	ADV
cana-998	245	9	predict	predict	VERB
cana-998	245	10	concerns	concern	NOUN
cana-998	245	11	about	about	ADP
cana-998	245	12	the	the	DET
cana-998	245	13	complexity	complexity	NOUN
cana-998	245	14	of	of	ADP
cana-998	245	15	terms	term	NOUN
cana-998	245	16	and	and	CCONJ
cana-998	245	17	conditions	condition	NOUN
cana-998	245	18	.	.	PUNCT
cana-998	246	1	however	however	ADV
cana-998	246	2	,	,	PUNCT
cana-998	246	3	the	the	DET
cana-998	246	4	association	association	NOUN
cana-998	246	5	is	be	AUX
cana-998	246	6	statistically	statistically	ADV
cana-998	246	7	significant	significant	ADJ
cana-998	246	8	(	(	PUNCT
cana-998	246	9	sig	sig	NOUN
cana-998	246	10	.	.	PUNCT
cana-998	247	1	=	=	PUNCT
cana-998	247	2	0	0	NUM
cana-998	247	3	)	)	PUNCT
cana-998	247	4	,	,	PUNCT
cana-998	247	5	indicating	indicate	VERB
cana-998	247	6	a	a	DET
cana-998	247	7	subtle	subtle	ADJ
cana-998	247	8	trend	trend	NOUN
cana-998	247	9	.	.	PUNCT
cana-998	248	1	hidden	hide	VERB
cana-998	248	2	fees	fee	NOUN
cana-998	248	3	:	:	PUNCT
cana-998	248	4	there	there	PRON
cana-998	248	5	is	be	VERB
cana-998	248	6	a	a	DET
cana-998	248	7	weak	weak	ADJ
cana-998	248	8	negative	negative	ADJ
cana-998	248	9	association	association	NOUN
cana-998	248	10	(	(	PUNCT
cana-998	248	11	r	r	NOUN
cana-998	248	12	=	=	SYM
cana-998	248	13	-0.022	-0.022	PROPN
cana-998	248	14	)	)	PUNCT
cana-998	248	15	between	between	ADP
cana-998	248	16	hidden	hide	VERB
cana-998	248	17	fees	fee	NOUN
cana-998	248	18	and	and	CCONJ
cana-998	248	19	education	education	NOUN
cana-998	248	20	level	level	NOUN
cana-998	248	21	.	.	PUNCT
cana-998	249	1	this	this	PRON
cana-998	249	2	suggests	suggest	VERB
cana-998	249	3	that	that	SCONJ
cana-998	249	4	as	as	ADP
cana-998	249	5	education	education	NOUN
cana-998	249	6	level	level	NOUN
cana-998	249	7	increases	increase	NOUN
cana-998	249	8	,	,	PUNCT
cana-998	249	9	there	there	PRON
cana-998	249	10	is	be	VERB
cana-998	249	11	a	a	DET
cana-998	249	12	slight	slight	ADJ
cana-998	249	13	tendency	tendency	NOUN
cana-998	249	14	for	for	ADP
cana-998	249	15	concerns	concern	NOUN
cana-998	249	16	about	about	ADP
cana-998	249	17	hidden	hide	VERB
cana-998	249	18	fees	fee	NOUN
cana-998	249	19	to	to	PART
cana-998	249	20	decrease	decrease	VERB
cana-998	249	21	.	.	PUNCT
cana-998	250	1	this	this	DET
cana-998	250	2	association	association	NOUN
cana-998	250	3	is	be	AUX
cana-998	250	4	statistically	statistically	ADV
cana-998	250	5	significant	significant	ADJ
cana-998	250	6	(	(	PUNCT
cana-998	250	7	sig	sig	NOUN
cana-998	250	8	.	.	PUNCT
cana-998	251	1	=	=	PUNCT
cana-998	251	2	0	0	NUM
cana-998	251	3	)	)	PUNCT
cana-998	251	4	,	,	PUNCT
cana-998	251	5	indicating	indicate	VERB
cana-998	251	6	that	that	SCONJ
cana-998	251	7	education	education	NOUN
cana-998	251	8	level	level	NOUN
cana-998	251	9	is	be	AUX
cana-998	251	10	a	a	DET
cana-998	251	11	predictor	predictor	NOUN
cana-998	251	12	of	of	ADP
cana-998	251	13	concerns	concern	NOUN
cana-998	251	14	regarding	regard	VERB
cana-998	251	15	hidden	hidden	ADJ
cana-998	251	16	fees	fee	NOUN
cana-998	251	17	.	.	PUNCT
cana-998	252	1	data	datum	NOUN
cana-998	252	2	privacy	privacy	NOUN
cana-998	252	3	concerns	concern	NOUN
cana-998	252	4	:	:	PUNCT
cana-998	252	5	there	there	PRON
cana-998	252	6	is	be	VERB
cana-998	252	7	a	a	DET
cana-998	252	8	moderate	moderate	ADJ
cana-998	252	9	negative	negative	ADJ
cana-998	252	10	association	association	NOUN
cana-998	252	11	(	(	PUNCT
cana-998	252	12	r	r	NOUN
cana-998	252	13	=	=	SYM
cana-998	252	14	-0.189	-0.189	NOUN
cana-998	252	15	)	)	PUNCT
cana-998	252	16	between	between	ADP
cana-998	252	17	data	datum	NOUN
cana-998	252	18	privacy	privacy	NOUN
cana-998	252	19	concerns	concern	NOUN
cana-998	252	20	and	and	CCONJ
cana-998	252	21	education	education	NOUN
cana-998	252	22	level	level	NOUN
cana-998	252	23	.	.	PUNCT
cana-998	253	1	this	this	PRON
cana-998	253	2	suggests	suggest	VERB
cana-998	253	3	that	that	SCONJ
cana-998	253	4	as	as	ADP
cana-998	253	5	education	education	NOUN
cana-998	253	6	level	level	NOUN
cana-998	253	7	increases	increase	NOUN
cana-998	253	8	,	,	PUNCT
cana-998	253	9	there	there	PRON
cana-998	253	10	is	be	VERB
cana-998	253	11	a	a	DET
cana-998	253	12	tendency	tendency	NOUN
cana-998	253	13	for	for	SCONJ
cana-998	253	14	concerns	concern	NOUN
cana-998	253	15	about	about	ADP
cana-998	253	16	data	datum	NOUN
cana-998	253	17	privacy	privacy	NOUN
cana-998	253	18	to	to	PART
cana-998	253	19	decrease	decrease	VERB
cana-998	253	20	.	.	PUNCT
cana-998	254	1	this	this	DET
cana-998	254	2	association	association	NOUN
cana-998	254	3	is	be	AUX
cana-998	254	4	statistically	statistically	ADV
cana-998	254	5	significant	significant	ADJ
cana-998	254	6	(	(	PUNCT
cana-998	254	7	sig	sig	NOUN
cana-998	254	8	.	.	PUNCT
cana-998	255	1	=	=	NOUN
cana-998	255	2	0.011	0.011	NUM
cana-998	255	3	)	)	PUNCT
cana-998	255	4	,	,	PUNCT
cana-998	255	5	indicating	indicate	VERB
cana-998	255	6	that	that	SCONJ
cana-998	255	7	education	education	NOUN
cana-998	255	8	level	level	NOUN
cana-998	255	9	is	be	AUX
cana-998	255	10	a	a	DET
cana-998	255	11	predictor	predictor	NOUN
cana-998	255	12	of	of	ADP
cana-998	255	13	concerns	concern	NOUN
cana-998	255	14	regarding	regard	VERB
cana-998	255	15	data	data	NOUN
cana-998	255	16	privacy	privacy	NOUN
cana-998	255	17	.	.	PUNCT
cana-998	256	1	inconsistent	inconsistent	ADJ
cana-998	256	2	performance	performance	NOUN
cana-998	256	3	:	:	PUNCT
cana-998	256	4	there	there	PRON
cana-998	256	5	is	be	VERB
cana-998	256	6	a	a	DET
cana-998	256	7	moderate	moderate	ADJ
cana-998	256	8	negative	negative	ADJ
cana-998	256	9	association	association	NOUN
cana-998	256	10	(	(	PUNCT
cana-998	256	11	r	r	NOUN
cana-998	256	12	=	=	SYM
cana-998	256	13	-0.268	-0.268	PUNCT
cana-998	256	14	)	)	PUNCT
cana-998	256	15	between	between	ADP
cana-998	256	16	inconsistent	inconsistent	ADJ
cana-998	256	17	performance	performance	NOUN
cana-998	256	18	and	and	CCONJ
cana-998	256	19	education	education	NOUN
cana-998	256	20	level	level	NOUN
cana-998	256	21	.	.	PUNCT
cana-998	257	1	this	this	PRON
cana-998	257	2	indicates	indicate	VERB
cana-998	257	3	that	that	SCONJ
cana-998	257	4	as	as	ADP
cana-998	257	5	education	education	NOUN
cana-998	257	6	level	level	NOUN
cana-998	257	7	increases	increase	NOUN
cana-998	257	8	,	,	PUNCT
cana-998	257	9	there	there	PRON
cana-998	257	10	is	be	VERB
cana-998	257	11	a	a	DET
cana-998	257	12	tendency	tendency	NOUN
cana-998	257	13	for	for	ADP
cana-998	257	14	concerns	concern	NOUN
cana-998	257	15	about	about	ADP
cana-998	257	16	inconsistent	inconsistent	ADJ
cana-998	257	17	performance	performance	NOUN
cana-998	257	18	to	to	PART
cana-998	257	19	decrease	decrease	VERB
cana-998	257	20	.	.	PUNCT
cana-998	258	1	this	this	DET
cana-998	258	2	association	association	NOUN
cana-998	258	3	is	be	AUX
cana-998	258	4	statistically	statistically	ADV
cana-998	258	5	significant	significant	ADJ
cana-998	258	6	(	(	PUNCT
cana-998	258	7	sig	sig	NOUN
cana-998	258	8	.	.	PUNCT
cana-998	259	1	=	=	PUNCT
cana-998	259	2	0	0	NUM
cana-998	259	3	)	)	PUNCT
cana-998	259	4	,	,	PUNCT
cana-998	259	5	suggesting	suggest	VERB
cana-998	259	6	that	that	SCONJ
cana-998	259	7	education	education	NOUN
cana-998	259	8	level	level	NOUN
cana-998	259	9	is	be	AUX
cana-998	259	10	a	a	DET
cana-998	259	11	predictor	predictor	NOUN
cana-998	259	12	of	of	ADP
cana-998	259	13	concerns	concern	NOUN
cana-998	259	14	regarding	regard	VERB
cana-998	259	15	inconsistent	inconsistent	ADJ
cana-998	259	16	performance	performance	NOUN
cana-998	259	17	.	.	PUNCT
cana-998	260	1	lack	lack	NOUN
cana-998	260	2	of	of	ADP
cana-998	260	3	personalization	personalization	NOUN
cana-998	260	4	:	:	PUNCT
cana-998	260	5	there	there	PRON
cana-998	260	6	is	be	VERB
cana-998	260	7	a	a	DET
cana-998	260	8	moderate	moderate	ADJ
cana-998	260	9	positive	positive	ADJ
cana-998	260	10	association	association	NOUN
cana-998	260	11	(	(	PUNCT
cana-998	260	12	r	r	NOUN
cana-998	260	13	=	=	NOUN
cana-998	260	14	0.295	0.295	NUM
cana-998	260	15	)	)	PUNCT
cana-998	260	16	between	between	ADP
cana-998	260	17	lack	lack	NOUN
cana-998	260	18	of	of	ADP
cana-998	260	19	personalization	personalization	NOUN
cana-998	260	20	and	and	CCONJ
cana-998	260	21	education	education	NOUN
cana-998	260	22	level	level	NOUN
cana-998	260	23	.	.	PUNCT
cana-998	261	1	this	this	PRON
cana-998	261	2	suggests	suggest	VERB
cana-998	261	3	that	that	SCONJ
cana-998	261	4	as	as	ADP
cana-998	261	5	education	education	NOUN
cana-998	261	6	level	level	NOUN
cana-998	261	7	increases	increase	NOUN
cana-998	261	8	,	,	PUNCT
cana-998	261	9	there	there	PRON
cana-998	261	10	is	be	VERB
cana-998	261	11	a	a	DET
cana-998	261	12	tendency	tendency	NOUN
cana-998	261	13	for	for	ADP
cana-998	261	14	concerns	concern	NOUN
cana-998	261	15	about	about	ADP
cana-998	261	16	lack	lack	NOUN
cana-998	261	17	of	of	ADP
cana-998	261	18	personalization	personalization	NOUN
cana-998	261	19	to	to	PART
cana-998	261	20	increase	increase	VERB
cana-998	261	21	.	.	PUNCT
cana-998	262	1	this	this	DET
cana-998	262	2	association	association	NOUN
cana-998	262	3	is	be	AUX
cana-998	262	4	statistically	statistically	ADV
cana-998	262	5	significant	significant	ADJ
cana-998	262	6	(	(	PUNCT
cana-998	262	7	sig	sig	NOUN
cana-998	262	8	.	.	PUNCT
cana-998	263	1	=	=	PUNCT
cana-998	263	2	0	0	NUM
cana-998	263	3	)	)	PUNCT
cana-998	263	4	,	,	PUNCT
cana-998	263	5	indicating	indicate	VERB
cana-998	263	6	that	that	SCONJ
cana-998	263	7	education	education	NOUN
cana-998	263	8	level	level	NOUN
cana-998	263	9	is	be	AUX
cana-998	263	10	a	a	DET
cana-998	263	11	predictor	predictor	NOUN
cana-998	263	12	of	of	ADP
cana-998	263	13	concerns	concern	NOUN
cana-998	263	14	regarding	regard	VERB
cana-998	263	15	lack	lack	NOUN
cana-998	263	16	of	of	ADP
cana-998	263	17	personalization	personalization	NOUN
cana-998	263	18	.	.	PUNCT
cana-998	264	1	table	table	NOUN
cana-998	265	1	no	no	NOUN
cana-998	265	2	.	.	NOUN
cana-998	266	1	4.11	4.11	NUM
cana-998	266	2	distribution	distribution	NOUN
cana-998	266	3	of	of	ADP
cana-998	266	4	employment	employment	NOUN
cana-998	266	5	status	status	NOUN
cana-998	266	6	wise	wise	ADJ
cana-998	266	7	sample	sample	NOUN
cana-998	266	8	respondents	respondent	NOUN
cana-998	266	9	over	over	ADP
cana-998	266	10	their	their	PRON
cana-998	266	11	problems	problem	NOUN
cana-998	266	12	on	on	ADP
cana-998	266	13	usage	usage	NOUN
cana-998	266	14	of	of	ADP
cana-998	266	15	fintech	fintech	NOUN
cana-998	266	16	distribution	distribution	NOUN
cana-998	266	17	of	of	ADP
cana-998	266	18	employment	employment	NOUN
cana-998	266	19	status	status	NOUN
cana-998	266	20	wise	wise	ADJ
cana-998	266	21	sample	sample	NOUN
cana-998	266	22	respondents	respondent	NOUN
cana-998	266	23	over	over	ADP
cana-998	266	24	their	their	PRON
cana-998	266	25	problems	problem	NOUN
cana-998	266	26	on	on	ADP
cana-998	266	27	usage	usage	NOUN
cana-998	266	28	of	of	ADP
cana-998	266	29	fintech	fintech	NOUN
cana-998	266	30	r	r	NOUN
cana-998	266	31	mean	mean	NOUN
cana-998	266	32	square	square	PROPN
cana-998	266	33	f	f	PROPN
cana-998	266	34	sig	sig	PROPN
cana-998	266	35	.	.	PUNCT
cana-998	267	1	security	security	NOUN
cana-998	267	2	concerns	concern	VERB
cana-998	267	3	0.027	0.027	NUM
cana-998	267	4	6.613	6.613	NUM
cana-998	267	5	7.559	7.559	NUM
cana-998	267	6	0	0	NUM
cana-998	267	7	technical	technical	ADJ
cana-998	267	8	glitches	glitch	NOUN
cana-998	267	9	0.282	0.282	NUM
cana-998	267	10	9.87	9.87	NUM
cana-998	267	11	4.821	4.821	NUM
cana-998	267	12	0.001	0.001	NUM
cana-998	267	13	lack	lack	NOUN
cana-998	267	14	of	of	ADP
cana-998	267	15	customer	customer	NOUN
cana-998	267	16	support	support	VERB
cana-998	267	17	0.276	0.276	NUM
cana-998	267	18	7.627	7.627	NUM
cana-998	267	19	19.611	19.611	NUM
cana-998	267	20	0	0	NUM
cana-998	267	21	transaction	transaction	NOUN
cana-998	267	22	delays	delay	NOUN
cana-998	267	23	-0.05	-0.05	NUM
cana-998	267	24	2.923	2.923	NUM
cana-998	267	25	4.505	4.505	NUM
cana-998	267	26	0.002	0.002	NUM
cana-998	267	27	complexity	complexity	NOUN
cana-998	267	28	of	of	ADP
cana-998	267	29	terms	term	NOUN
cana-998	267	30	and	and	CCONJ
cana-998	267	31	conditions	condition	NOUN
cana-998	267	32	-0.274	-0.274	NOUN
cana-998	267	33	17.97	17.97	NUM
cana-998	267	34	14.168	14.168	NUM
cana-998	267	35	0	0	NUM
cana-998	267	36	communications	communication	NOUN
cana-998	267	37	on	on	ADP
cana-998	267	38	applied	apply	VERB
cana-998	267	39	nonlinear	nonlinear	ADJ
cana-998	267	40	analysis	analysis	NOUN
cana-998	267	41	issn	issn	NOUN
cana-998	267	42	:	:	PUNCT
cana-998	267	43	1074	1074	NUM
cana-998	267	44	-	-	PUNCT
cana-998	267	45	133x	133x	NUM
cana-998	267	46	vol	vol	NOUN
cana-998	267	47	31	31	NUM
cana-998	267	48	no	no	NOUN
cana-998	267	49	.	.	PUNCT
cana-998	268	1	5s	5s	NUM
cana-998	268	2	(	(	PUNCT
cana-998	268	3	2024	2024	NUM
cana-998	268	4	)	)	PUNCT
cana-998	268	5	52	52	NUM
cana-998	268	6	https://internationalpubls.com	https://internationalpubls.com	NUM
cana-998	268	7	hidden	hide	VERB
cana-998	268	8	fees	fee	NOUN
cana-998	268	9	0.156	0.156	NUM
cana-998	268	10	21.88	21.88	NUM
cana-998	268	11	15.969	15.969	NUM
cana-998	268	12	0	0	NUM
cana-998	268	13	data	datum	NOUN
cana-998	268	14	privacy	privacy	NOUN
cana-998	268	15	concerns	concern	NOUN
cana-998	268	16	0.416	0.416	NUM
cana-998	268	17	25.134	25.134	NUM
cana-998	268	18	25.015	25.015	NUM
cana-998	268	19	0	0	NUM
cana-998	268	20	inconsistent	inconsistent	ADJ
cana-998	268	21	performance	performance	NOUN
cana-998	268	22	0.326	0.326	NUM
cana-998	268	23	11.892	11.892	NUM
cana-998	268	24	12.896	12.896	NUM
cana-998	268	25	0	0	NUM
cana-998	268	26	lack	lack	NOUN
cana-998	268	27	of	of	ADP
cana-998	268	28	personalization	personalization	NOUN
cana-998	268	29	-0.247	-0.247	PUNCT
cana-998	268	30	44.604	44.604	NUM
cana-998	268	31	39.782	39.782	NUM
cana-998	268	32	0	0	NUM
cana-998	269	1	the	the	DET
cana-998	269	2	table	table	NOUN
cana-998	269	3	no	no	INTJ
cana-998	269	4	.	.	PROPN
cana-998	270	1	4.11	4.11	NUM
cana-998	270	2	security	security	NOUN
cana-998	270	3	concerns	concern	NOUN
cana-998	270	4	:	:	PUNCT
cana-998	270	5	there	there	PRON
cana-998	270	6	is	be	VERB
cana-998	270	7	a	a	DET
cana-998	270	8	weak	weak	ADJ
cana-998	270	9	positive	positive	ADJ
cana-998	270	10	association	association	NOUN
cana-998	270	11	(	(	PUNCT
cana-998	270	12	r	r	NOUN
cana-998	270	13	=	=	SYM
cana-998	270	14	0.027	0.027	NUM
cana-998	270	15	)	)	PUNCT
cana-998	270	16	between	between	ADP
cana-998	270	17	security	security	NOUN
cana-998	270	18	concerns	concern	NOUN
cana-998	270	19	and	and	CCONJ
cana-998	270	20	employment	employment	NOUN
cana-998	270	21	status	status	NOUN
cana-998	270	22	.	.	PUNCT
cana-998	271	1	this	this	PRON
cana-998	271	2	suggests	suggest	VERB
cana-998	271	3	that	that	SCONJ
cana-998	271	4	there	there	PRON
cana-998	271	5	may	may	AUX
cana-998	271	6	be	be	AUX
cana-998	271	7	a	a	DET
cana-998	271	8	slight	slight	ADJ
cana-998	271	9	tendency	tendency	NOUN
cana-998	271	10	for	for	SCONJ
cana-998	271	11	security	security	NOUN
cana-998	271	12	concerns	concern	NOUN
cana-998	271	13	to	to	PART
cana-998	271	14	increase	increase	VERB
cana-998	271	15	with	with	ADP
cana-998	271	16	certain	certain	ADJ
cana-998	271	17	employment	employment	NOUN
cana-998	271	18	statuses	status	NOUN
cana-998	271	19	,	,	PUNCT
cana-998	271	20	but	but	CCONJ
cana-998	271	21	the	the	DET
cana-998	271	22	association	association	NOUN
cana-998	271	23	is	be	AUX
cana-998	271	24	not	not	PART
cana-998	271	25	statistically	statistically	ADV
cana-998	271	26	significant	significant	ADJ
cana-998	271	27	(	(	PUNCT
cana-998	271	28	sig	sig	NOUN
cana-998	271	29	.	.	PUNCT
cana-998	272	1	=	=	SYM
cana-998	273	1	0.559).technical	0.559).technical	NUM
cana-998	273	2	glitches	glitch	NOUN
cana-998	273	3	:	:	PUNCT
cana-998	273	4	there	there	PRON
cana-998	273	5	is	be	VERB
cana-998	273	6	a	a	DET
cana-998	273	7	moderate	moderate	ADJ
cana-998	273	8	positive	positive	ADJ
cana-998	273	9	association	association	NOUN
cana-998	273	10	(	(	PUNCT
cana-998	273	11	r	r	NOUN
cana-998	273	12	=	=	SYM
cana-998	273	13	0.282	0.282	NUM
cana-998	273	14	)	)	PUNCT
cana-998	273	15	between	between	ADP
cana-998	273	16	technical	technical	ADJ
cana-998	273	17	glitches	glitch	NOUN
cana-998	273	18	and	and	CCONJ
cana-998	273	19	employment	employment	NOUN
cana-998	273	20	status	status	NOUN
cana-998	273	21	.	.	PUNCT
cana-998	274	1	this	this	PRON
cana-998	274	2	indicates	indicate	VERB
cana-998	274	3	that	that	SCONJ
cana-998	274	4	certain	certain	ADJ
cana-998	274	5	employment	employment	NOUN
cana-998	274	6	statuses	status	NOUN
cana-998	274	7	may	may	AUX
cana-998	274	8	be	be	AUX
cana-998	274	9	associated	associate	VERB
cana-998	274	10	with	with	ADP
cana-998	274	11	a	a	DET
cana-998	274	12	higher	high	ADJ
cana-998	274	13	likelihood	likelihood	NOUN
cana-998	274	14	of	of	ADP
cana-998	274	15	experiencing	experience	VERB
cana-998	274	16	technical	technical	ADJ
cana-998	274	17	glitches	glitch	NOUN
cana-998	274	18	.	.	PUNCT
cana-998	275	1	the	the	DET
cana-998	275	2	association	association	NOUN
cana-998	275	3	is	be	AUX
cana-998	275	4	statistically	statistically	ADV
cana-998	275	5	significant	significant	ADJ
cana-998	275	6	(	(	PUNCT
cana-998	275	7	sig	sig	NOUN
cana-998	275	8	.	.	PUNCT
cana-998	276	1	=	=	NOUN
cana-998	276	2	0.001	0.001	NUM
cana-998	276	3	)	)	PUNCT
cana-998	276	4	,	,	PUNCT
cana-998	276	5	suggesting	suggest	VERB
cana-998	276	6	that	that	SCONJ
cana-998	276	7	employment	employment	NOUN
cana-998	276	8	status	status	NOUN
cana-998	276	9	is	be	AUX
cana-998	276	10	a	a	DET
cana-998	276	11	predictor	predictor	NOUN
cana-998	276	12	of	of	ADP
cana-998	276	13	technical	technical	ADJ
cana-998	276	14	glitches	glitch	NOUN
cana-998	276	15	.	.	PUNCT
cana-998	277	1	lack	lack	NOUN
cana-998	277	2	of	of	ADP
cana-998	277	3	customer	customer	NOUN
cana-998	277	4	support	support	NOUN
cana-998	277	5	:	:	PUNCT
cana-998	277	6	there	there	PRON
cana-998	277	7	is	be	VERB
cana-998	277	8	a	a	DET
cana-998	277	9	moderate	moderate	ADJ
cana-998	277	10	positive	positive	ADJ
cana-998	277	11	association	association	NOUN
cana-998	277	12	(	(	PUNCT
cana-998	277	13	r	r	NOUN
cana-998	277	14	=	=	NOUN
cana-998	277	15	0.276	0.276	NUM
cana-998	277	16	)	)	PUNCT
cana-998	277	17	between	between	ADP
cana-998	277	18	lack	lack	NOUN
cana-998	277	19	of	of	ADP
cana-998	277	20	customer	customer	NOUN
cana-998	277	21	support	support	NOUN
cana-998	277	22	and	and	CCONJ
cana-998	277	23	employment	employment	NOUN
cana-998	277	24	status	status	NOUN
cana-998	277	25	.	.	PUNCT
cana-998	278	1	this	this	PRON
cana-998	278	2	suggests	suggest	VERB
cana-998	278	3	that	that	SCONJ
cana-998	278	4	certain	certain	ADJ
cana-998	278	5	employment	employment	NOUN
cana-998	278	6	statuses	status	NOUN
cana-998	278	7	may	may	AUX
cana-998	278	8	be	be	AUX
cana-998	278	9	associated	associate	VERB
cana-998	278	10	with	with	ADP
cana-998	278	11	a	a	DET
cana-998	278	12	higher	high	ADJ
cana-998	278	13	likelihood	likelihood	NOUN
cana-998	278	14	of	of	ADP
cana-998	278	15	experiencing	experience	VERB
cana-998	278	16	issues	issue	NOUN
cana-998	278	17	with	with	ADP
cana-998	278	18	customer	customer	NOUN
cana-998	278	19	support	support	NOUN
cana-998	278	20	.	.	PUNCT
cana-998	279	1	the	the	DET
cana-998	279	2	association	association	NOUN
cana-998	279	3	is	be	AUX
cana-998	279	4	statistically	statistically	ADV
cana-998	279	5	significant	significant	ADJ
cana-998	279	6	(	(	PUNCT
cana-998	279	7	sig	sig	NOUN
cana-998	279	8	.	.	PUNCT
cana-998	280	1	=	=	PUNCT
cana-998	280	2	0	0	NUM
cana-998	280	3	)	)	PUNCT
cana-998	280	4	,	,	PUNCT
cana-998	280	5	indicating	indicate	VERB
cana-998	280	6	that	that	SCONJ
cana-998	280	7	employment	employment	NOUN
cana-998	280	8	status	status	NOUN
cana-998	280	9	is	be	AUX
cana-998	280	10	a	a	DET
cana-998	280	11	predictor	predictor	NOUN
cana-998	280	12	of	of	ADP
cana-998	280	13	lack	lack	NOUN
cana-998	280	14	of	of	ADP
cana-998	280	15	customer	customer	NOUN
cana-998	280	16	support	support	NOUN
cana-998	280	17	concerns	concern	NOUN
cana-998	280	18	.	.	PUNCT
cana-998	281	1	transaction	transaction	NOUN
cana-998	281	2	delays	delay	NOUN
cana-998	281	3	:	:	PUNCT
cana-998	281	4	there	there	PRON
cana-998	281	5	is	be	VERB
cana-998	281	6	a	a	DET
cana-998	281	7	weak	weak	ADJ
cana-998	281	8	negative	negative	ADJ
cana-998	281	9	association	association	NOUN
cana-998	281	10	(	(	PUNCT
cana-998	281	11	r	r	NOUN
cana-998	281	12	=	=	SYM
cana-998	281	13	-0.05	-0.05	NOUN
cana-998	281	14	)	)	PUNCT
cana-998	281	15	between	between	ADP
cana-998	281	16	transaction	transaction	NOUN
cana-998	281	17	delays	delay	NOUN
cana-998	281	18	and	and	CCONJ
cana-998	281	19	employment	employment	NOUN
cana-998	281	20	status	status	NOUN
cana-998	281	21	.	.	PUNCT
cana-998	282	1	this	this	PRON
cana-998	282	2	suggests	suggest	VERB
cana-998	282	3	that	that	SCONJ
cana-998	282	4	certain	certain	ADJ
cana-998	282	5	employment	employment	NOUN
cana-998	282	6	statuses	status	NOUN
cana-998	282	7	may	may	AUX
cana-998	282	8	be	be	AUX
cana-998	282	9	associated	associate	VERB
cana-998	282	10	with	with	ADP
cana-998	282	11	a	a	DET
cana-998	282	12	slightly	slightly	ADV
cana-998	282	13	lower	low	ADJ
cana-998	282	14	likelihood	likelihood	NOUN
cana-998	282	15	of	of	ADP
cana-998	282	16	experiencing	experience	VERB
cana-998	282	17	transaction	transaction	NOUN
cana-998	282	18	delays	delay	NOUN
cana-998	282	19	.	.	PUNCT
cana-998	283	1	the	the	DET
cana-998	283	2	association	association	NOUN
cana-998	283	3	is	be	AUX
cana-998	283	4	statistically	statistically	ADV
cana-998	283	5	significant	significant	ADJ
cana-998	283	6	(	(	PUNCT
cana-998	283	7	sig	sig	NOUN
cana-998	283	8	.	.	PUNCT
cana-998	284	1	=	=	NUM
cana-998	284	2	0.002	0.002	NUM
cana-998	284	3	)	)	PUNCT
cana-998	284	4	,	,	PUNCT
cana-998	284	5	indicating	indicate	VERB
cana-998	284	6	that	that	SCONJ
cana-998	284	7	employment	employment	NOUN
cana-998	284	8	status	status	NOUN
cana-998	284	9	is	be	AUX
cana-998	284	10	a	a	DET
cana-998	284	11	predictor	predictor	NOUN
cana-998	284	12	of	of	ADP
cana-998	284	13	concerns	concern	NOUN
cana-998	284	14	regarding	regard	VERB
cana-998	284	15	transaction	transaction	NOUN
cana-998	284	16	delays	delay	NOUN
cana-998	284	17	.complexity	.complexity	NUM
cana-998	284	18	of	of	ADP
cana-998	284	19	terms	term	NOUN
cana-998	284	20	and	and	CCONJ
cana-998	284	21	conditions	condition	NOUN
cana-998	284	22	:	:	PUNCT
cana-998	284	23	there	there	PRON
cana-998	284	24	is	be	VERB
cana-998	284	25	a	a	DET
cana-998	284	26	strong	strong	ADJ
cana-998	284	27	negative	negative	ADJ
cana-998	284	28	association	association	NOUN
cana-998	284	29	(	(	PUNCT
cana-998	284	30	r	r	NOUN
cana-998	284	31	=	=	SYM
cana-998	284	32	-0.274	-0.274	NOUN
cana-998	284	33	)	)	PUNCT
cana-998	284	34	between	between	ADP
cana-998	284	35	the	the	DET
cana-998	284	36	complexity	complexity	NOUN
cana-998	284	37	of	of	ADP
cana-998	284	38	terms	term	NOUN
cana-998	284	39	and	and	CCONJ
cana-998	284	40	conditions	condition	NOUN
cana-998	284	41	and	and	CCONJ
cana-998	284	42	employment	employment	NOUN
cana-998	284	43	status	status	NOUN
cana-998	284	44	.	.	PUNCT
cana-998	285	1	this	this	PRON
cana-998	285	2	suggests	suggest	VERB
cana-998	285	3	that	that	SCONJ
cana-998	285	4	certain	certain	ADJ
cana-998	285	5	employment	employment	NOUN
cana-998	285	6	statuses	status	NOUN
cana-998	285	7	may	may	AUX
cana-998	285	8	be	be	AUX
cana-998	285	9	associated	associate	VERB
cana-998	285	10	with	with	ADP
cana-998	285	11	a	a	DET
cana-998	285	12	lower	low	ADJ
cana-998	285	13	likelihood	likelihood	NOUN
cana-998	285	14	of	of	ADP
cana-998	285	15	perceiving	perceive	VERB
cana-998	285	16	terms	term	NOUN
cana-998	285	17	and	and	CCONJ
cana-998	285	18	conditions	condition	NOUN
cana-998	285	19	as	as	ADP
cana-998	285	20	complex	complex	ADJ
cana-998	285	21	.	.	PUNCT
cana-998	286	1	the	the	DET
cana-998	286	2	association	association	NOUN
cana-998	286	3	is	be	AUX
cana-998	286	4	statistically	statistically	ADV
cana-998	286	5	significant	significant	ADJ
cana-998	286	6	(	(	PUNCT
cana-998	286	7	sig	sig	NOUN
cana-998	286	8	.	.	PUNCT
cana-998	287	1	=	=	PUNCT
cana-998	287	2	0	0	NUM
cana-998	287	3	)	)	PUNCT
cana-998	287	4	,	,	PUNCT
cana-998	287	5	indicating	indicate	VERB
cana-998	287	6	that	that	SCONJ
cana-998	287	7	employment	employment	NOUN
cana-998	287	8	status	status	NOUN
cana-998	287	9	is	be	AUX
cana-998	287	10	a	a	DET
cana-998	287	11	predictor	predictor	NOUN
cana-998	287	12	of	of	ADP
cana-998	287	13	concerns	concern	NOUN
cana-998	287	14	regarding	regard	VERB
cana-998	287	15	the	the	DET
cana-998	287	16	complexity	complexity	NOUN
cana-998	287	17	of	of	ADP
cana-998	287	18	terms	term	NOUN
cana-998	287	19	and	and	CCONJ
cana-998	287	20	conditions	condition	NOUN
cana-998	287	21	.	.	PUNCT
cana-998	288	1	hidden	hide	VERB
cana-998	288	2	fees	fee	NOUN
cana-998	288	3	:	:	PUNCT
cana-998	288	4	there	there	PRON
cana-998	288	5	is	be	VERB
cana-998	288	6	a	a	DET
cana-998	288	7	moderate	moderate	ADJ
cana-998	288	8	positive	positive	ADJ
cana-998	288	9	association	association	NOUN
cana-998	288	10	(	(	PUNCT
cana-998	288	11	r	r	NOUN
cana-998	288	12	=	=	SYM
cana-998	288	13	0.156	0.156	NUM
cana-998	288	14	)	)	PUNCT
cana-998	288	15	between	between	ADP
cana-998	288	16	hidden	hide	VERB
cana-998	288	17	fees	fee	NOUN
cana-998	288	18	and	and	CCONJ
cana-998	288	19	employment	employment	NOUN
cana-998	288	20	status	status	NOUN
cana-998	288	21	.	.	PUNCT
cana-998	289	1	this	this	PRON
cana-998	289	2	suggests	suggest	VERB
cana-998	289	3	that	that	SCONJ
cana-998	289	4	certain	certain	ADJ
cana-998	289	5	employment	employment	NOUN
cana-998	289	6	statuses	status	NOUN
cana-998	289	7	may	may	AUX
cana-998	289	8	be	be	AUX
cana-998	289	9	associated	associate	VERB
cana-998	289	10	with	with	ADP
cana-998	289	11	a	a	DET
cana-998	289	12	higher	high	ADJ
cana-998	289	13	likelihood	likelihood	NOUN
cana-998	289	14	of	of	ADP
cana-998	289	15	encountering	encounter	VERB
cana-998	289	16	hidden	hidden	ADJ
cana-998	289	17	fees	fee	NOUN
cana-998	289	18	.	.	PUNCT
cana-998	290	1	the	the	DET
cana-998	290	2	association	association	NOUN
cana-998	290	3	is	be	AUX
cana-998	290	4	statistically	statistically	ADV
cana-998	290	5	significant	significant	ADJ
cana-998	290	6	(	(	PUNCT
cana-998	290	7	sig	sig	NOUN
cana-998	290	8	.	.	PUNCT
cana-998	291	1	=	=	PUNCT
cana-998	291	2	0	0	NUM
cana-998	291	3	)	)	PUNCT
cana-998	291	4	,	,	PUNCT
cana-998	291	5	indicating	indicate	VERB
cana-998	291	6	that	that	SCONJ
cana-998	291	7	employment	employment	NOUN
cana-998	291	8	status	status	NOUN
cana-998	291	9	is	be	AUX
cana-998	291	10	a	a	DET
cana-998	291	11	predictor	predictor	NOUN
cana-998	291	12	of	of	ADP
cana-998	291	13	concerns	concern	NOUN
cana-998	291	14	regarding	regard	VERB
cana-998	291	15	hidden	hidden	ADJ
cana-998	291	16	fees	fee	NOUN
cana-998	291	17	.	.	PUNCT
cana-998	292	1	data	data	PROPN
cana-998	292	2	privacy	privacy	NOUN
cana-998	292	3	concerns	concern	NOUN
cana-998	292	4	:	:	PUNCT
cana-998	292	5	there	there	PRON
cana-998	292	6	is	be	VERB
cana-998	292	7	a	a	DET
cana-998	292	8	strong	strong	ADJ
cana-998	292	9	positive	positive	ADJ
cana-998	292	10	association	association	NOUN
cana-998	292	11	(	(	PUNCT
cana-998	292	12	r	r	NOUN
cana-998	292	13	=	=	SYM
cana-998	292	14	0.416	0.416	NUM
cana-998	292	15	)	)	PUNCT
cana-998	292	16	between	between	ADP
cana-998	292	17	data	datum	NOUN
cana-998	292	18	privacy	privacy	NOUN
cana-998	292	19	concerns	concern	NOUN
cana-998	292	20	and	and	CCONJ
cana-998	292	21	employment	employment	NOUN
cana-998	292	22	status	status	NOUN
cana-998	292	23	.	.	PUNCT
cana-998	293	1	this	this	PRON
cana-998	293	2	suggests	suggest	VERB
cana-998	293	3	that	that	SCONJ
cana-998	293	4	certain	certain	ADJ
cana-998	293	5	employment	employment	NOUN
cana-998	293	6	statuses	status	NOUN
cana-998	293	7	may	may	AUX
cana-998	293	8	be	be	AUX
cana-998	293	9	associated	associate	VERB
cana-998	293	10	with	with	ADP
cana-998	293	11	a	a	DET
cana-998	293	12	higher	high	ADJ
cana-998	293	13	likelihood	likelihood	NOUN
cana-998	293	14	of	of	ADP
cana-998	293	15	having	have	VERB
cana-998	293	16	concerns	concern	NOUN
cana-998	293	17	about	about	ADP
cana-998	293	18	data	datum	NOUN
cana-998	293	19	privacy	privacy	NOUN
cana-998	293	20	.	.	PUNCT
cana-998	294	1	the	the	DET
cana-998	294	2	association	association	NOUN
cana-998	294	3	is	be	AUX
cana-998	294	4	statistically	statistically	ADV
cana-998	294	5	significant	significant	ADJ
cana-998	294	6	(	(	PUNCT
cana-998	294	7	sig	sig	NOUN
cana-998	294	8	.	.	PUNCT
cana-998	295	1	=	=	PUNCT
cana-998	295	2	0	0	NUM
cana-998	295	3	)	)	PUNCT
cana-998	295	4	,	,	PUNCT
cana-998	295	5	indicating	indicate	VERB
cana-998	295	6	that	that	SCONJ
cana-998	295	7	employment	employment	NOUN
cana-998	295	8	status	status	NOUN
cana-998	295	9	is	be	AUX
cana-998	295	10	a	a	DET
cana-998	295	11	predictor	predictor	NOUN
cana-998	295	12	of	of	ADP
cana-998	295	13	concerns	concern	NOUN
cana-998	295	14	regarding	regard	VERB
cana-998	295	15	data	data	NOUN
cana-998	295	16	privacy	privacy	NOUN
cana-998	295	17	.	.	PUNCT
cana-998	296	1	inconsistent	inconsistent	ADJ
cana-998	296	2	performance	performance	NOUN
cana-998	296	3	:	:	PUNCT
cana-998	296	4	there	there	PRON
cana-998	296	5	is	be	VERB
cana-998	296	6	a	a	DET
cana-998	296	7	strong	strong	ADJ
cana-998	296	8	positive	positive	ADJ
cana-998	296	9	association	association	NOUN
cana-998	296	10	(	(	PUNCT
cana-998	296	11	r	r	NOUN
cana-998	296	12	=	=	NOUN
cana-998	296	13	0.326	0.326	NUM
cana-998	296	14	)	)	PUNCT
cana-998	296	15	between	between	ADP
cana-998	296	16	inconsistent	inconsistent	ADJ
cana-998	296	17	performance	performance	NOUN
cana-998	296	18	and	and	CCONJ
cana-998	296	19	employment	employment	NOUN
cana-998	296	20	status	status	NOUN
cana-998	296	21	.	.	PUNCT
cana-998	297	1	this	this	PRON
cana-998	297	2	suggests	suggest	VERB
cana-998	297	3	that	that	SCONJ
cana-998	297	4	certain	certain	ADJ
cana-998	297	5	employment	employment	NOUN
cana-998	297	6	statuses	status	NOUN
cana-998	297	7	may	may	AUX
cana-998	297	8	be	be	AUX
cana-998	297	9	associated	associate	VERB
cana-998	297	10	with	with	ADP
cana-998	297	11	a	a	DET
cana-998	297	12	higher	high	ADJ
cana-998	297	13	likelihood	likelihood	NOUN
cana-998	297	14	of	of	ADP
cana-998	297	15	experiencing	experience	VERB
cana-998	297	16	inconsistent	inconsistent	ADJ
cana-998	297	17	performance	performance	NOUN
cana-998	297	18	.	.	PUNCT
cana-998	298	1	the	the	DET
cana-998	298	2	association	association	NOUN
cana-998	298	3	is	be	AUX
cana-998	298	4	statistically	statistically	ADV
cana-998	298	5	significant	significant	ADJ
cana-998	298	6	(	(	PUNCT
cana-998	298	7	sig	sig	NOUN
cana-998	298	8	.	.	PUNCT
cana-998	299	1	=	=	PUNCT
cana-998	299	2	0	0	NUM
cana-998	299	3	)	)	PUNCT
cana-998	299	4	,	,	PUNCT
cana-998	299	5	indicating	indicate	VERB
cana-998	299	6	that	that	SCONJ
cana-998	299	7	employment	employment	NOUN
cana-998	299	8	status	status	NOUN
cana-998	299	9	is	be	AUX
cana-998	299	10	a	a	DET
cana-998	299	11	predictor	predictor	NOUN
cana-998	299	12	of	of	ADP
cana-998	299	13	concerns	concern	NOUN
cana-998	299	14	regarding	regard	VERB
cana-998	299	15	inconsistent	inconsistent	ADJ
cana-998	299	16	performance	performance	NOUN
cana-998	299	17	.	.	PUNCT
cana-998	300	1	lack	lack	NOUN
cana-998	300	2	of	of	ADP
cana-998	300	3	personalization	personalization	NOUN
cana-998	300	4	:	:	PUNCT
cana-998	300	5	there	there	PRON
cana-998	300	6	is	be	VERB
cana-998	300	7	a	a	DET
cana-998	300	8	strong	strong	ADJ
cana-998	300	9	negative	negative	ADJ
cana-998	300	10	association	association	NOUN
cana-998	300	11	(	(	PUNCT
cana-998	300	12	r	r	NOUN
cana-998	300	13	=	=	SYM
cana-998	300	14	-0.247	-0.247	X
cana-998	300	15	)	)	PUNCT
cana-998	300	16	between	between	ADP
cana-998	300	17	lack	lack	NOUN
cana-998	300	18	of	of	ADP
cana-998	300	19	personalization	personalization	NOUN
cana-998	300	20	and	and	CCONJ
cana-998	300	21	employment	employment	NOUN
cana-998	300	22	status	status	NOUN
cana-998	300	23	.	.	PUNCT
cana-998	301	1	this	this	PRON
cana-998	301	2	suggests	suggest	VERB
cana-998	301	3	that	that	SCONJ
cana-998	301	4	certain	certain	ADJ
cana-998	301	5	employment	employment	NOUN
cana-998	301	6	statuses	status	NOUN
cana-998	301	7	may	may	AUX
cana-998	301	8	be	be	AUX
cana-998	301	9	associated	associate	VERB
cana-998	301	10	with	with	ADP
cana-998	301	11	a	a	DET
cana-998	301	12	lower	low	ADJ
cana-998	301	13	likelihood	likelihood	NOUN
cana-998	301	14	of	of	ADP
cana-998	301	15	perceiving	perceive	VERB
cana-998	301	16	lack	lack	NOUN
cana-998	301	17	of	of	ADP
cana-998	301	18	personalization	personalization	NOUN
cana-998	301	19	as	as	ADP
cana-998	301	20	an	an	DET
cana-998	301	21	issue	issue	NOUN
cana-998	301	22	.	.	PUNCT
cana-998	302	1	the	the	DET
cana-998	302	2	association	association	NOUN
cana-998	302	3	is	be	AUX
cana-998	302	4	statistically	statistically	ADV
cana-998	302	5	significant	significant	ADJ
cana-998	302	6	(	(	PUNCT
cana-998	302	7	sig	sig	NOUN
cana-998	302	8	.	.	PUNCT
cana-998	303	1	=	=	PUNCT
cana-998	303	2	0	0	NUM
cana-998	303	3	)	)	PUNCT
cana-998	303	4	,	,	PUNCT
cana-998	303	5	indicating	indicate	VERB
cana-998	303	6	that	that	SCONJ
cana-998	303	7	employment	employment	NOUN
cana-998	303	8	status	status	NOUN
cana-998	303	9	is	be	AUX
cana-998	303	10	a	a	DET
cana-998	303	11	predictor	predictor	NOUN
cana-998	303	12	of	of	ADP
cana-998	303	13	concerns	concern	NOUN
cana-998	303	14	regarding	regard	VERB
cana-998	303	15	lack	lack	NOUN
cana-998	303	16	of	of	ADP
cana-998	303	17	personalization	personalization	NOUN
cana-998	303	18	.	.	PUNCT
cana-998	304	1	communications	communication	NOUN
cana-998	304	2	on	on	ADP
cana-998	304	3	applied	apply	VERB
cana-998	304	4	nonlinear	nonlinear	ADJ
cana-998	304	5	analysis	analysis	NOUN
cana-998	304	6	issn	issn	NOUN
cana-998	304	7	:	:	PUNCT
cana-998	304	8	1074	1074	NUM
cana-998	304	9	-	-	PUNCT
cana-998	304	10	133x	133x	NUM
cana-998	304	11	vol	vol	NOUN
cana-998	304	12	31	31	NUM
cana-998	304	13	no	no	NOUN
cana-998	304	14	.	.	PUNCT
cana-998	305	1	5s	5s	NUM
cana-998	305	2	(	(	PUNCT
cana-998	305	3	2024	2024	NUM
cana-998	305	4	)	)	PUNCT
cana-998	305	5	53	53	NUM
cana-998	305	6	https://internationalpubls.com	https://internationalpubls.com	X
cana-998	305	7	table	table	NOUN
cana-998	305	8	no	no	INTJ
cana-998	305	9	.	.	PUNCT
cana-998	306	1	4.12	4.12	NUM
cana-998	306	2	distribution	distribution	NOUN
cana-998	306	3	of	of	ADP
cana-998	306	4	annual	annual	ADJ
cana-998	306	5	income	income	NOUN
cana-998	306	6	wise	wise	ADJ
cana-998	306	7	sample	sample	NOUN
cana-998	306	8	respondents	respondent	NOUN
cana-998	306	9	over	over	ADP
cana-998	306	10	their	their	PRON
cana-998	306	11	problems	problem	NOUN
cana-998	306	12	on	on	ADP
cana-998	306	13	usage	usage	NOUN
cana-998	306	14	of	of	ADP
cana-998	306	15	fintech	fintech	NOUN
cana-998	306	16	distribution	distribution	NOUN
cana-998	306	17	of	of	ADP
cana-998	306	18	annual	annual	ADJ
cana-998	306	19	income	income	NOUN
cana-998	306	20	wise	wise	ADJ
cana-998	306	21	sample	sample	NOUN
cana-998	306	22	respondents	respondent	NOUN
cana-998	306	23	over	over	ADP
cana-998	306	24	their	their	PRON
cana-998	306	25	problems	problem	NOUN
cana-998	306	26	on	on	ADP
cana-998	306	27	usage	usage	NOUN
cana-998	306	28	of	of	ADP
cana-998	306	29	fintech	fintech	NOUN
cana-998	306	30	r	r	NOUN
cana-998	306	31	mean	mean	NOUN
cana-998	306	32	square	square	PROPN
cana-998	306	33	f	f	PROPN
cana-998	306	34	sig	sig	PROPN
cana-998	306	35	.	.	PUNCT
cana-998	307	1	security	security	NOUN
cana-998	307	2	concerns	concern	VERB
cana-998	307	3	0.255	0.255	NUM
cana-998	307	4	15.54	15.54	NUM
cana-998	307	5	20.025	20.025	NUM
cana-998	307	6	0	0	NUM
cana-998	307	7	technical	technical	ADJ
cana-998	307	8	glitches	glitch	NOUN
cana-998	307	9	0.364	0.364	NUM
cana-998	307	10	29.583	29.583	NUM
cana-998	307	11	16.378	16.378	NUM
cana-998	307	12	0	0	NUM
cana-998	307	13	lack	lack	NOUN
cana-998	307	14	of	of	ADP
cana-998	307	15	customer	customer	NOUN
cana-998	307	16	support	support	NOUN
cana-998	307	17	-0.253	-0.253	PUNCT
cana-998	307	18	11.718	11.718	NUM
cana-998	307	19	32.079	32.079	NUM
cana-998	307	20	0	0	NUM
cana-998	307	21	transaction	transaction	NOUN
cana-998	307	22	delays	delay	NOUN
cana-998	307	23	-0.202	-0.202	PROPN
cana-998	308	1	11.165	11.165	NUM
cana-998	308	2	20.543	20.543	NUM
cana-998	308	3	0	0	NUM
cana-998	308	4	complexity	complexity	NOUN
cana-998	308	5	of	of	ADP
cana-998	308	6	terms	term	NOUN
cana-998	308	7	and	and	CCONJ
cana-998	308	8	conditions	condition	NOUN
cana-998	308	9	0.217	0.217	NUM
cana-998	308	10	9.463	9.463	NUM
cana-998	308	11	6.452	6.452	NUM
cana-998	308	12	0	0	NUM
cana-998	308	13	hidden	hide	VERB
cana-998	308	14	fees	fee	NOUN
cana-998	308	15	-0.237	-0.237	PUNCT
cana-998	308	16	39.122	39.122	NUM
cana-998	308	17	31.973	31.973	NUM
cana-998	308	18	0	0	NUM
cana-998	308	19	data	datum	NOUN
cana-998	308	20	privacy	privacy	NOUN
cana-998	308	21	concerns	concern	NOUN
cana-998	308	22	-0.223	-0.223	PUNCT
cana-998	308	23	65.308	65.308	NUM
cana-998	308	24	118.271	118.271	NUM
cana-998	308	25	0	0	NUM
cana-998	308	26	inconsistent	inconsistent	ADJ
cana-998	308	27	performance	performance	NOUN
cana-998	308	28	-0.086	-0.086	NUM
cana-998	308	29	28.503	28.503	NUM
cana-998	308	30	38.534	38.534	NUM
cana-998	308	31	0	0	NUM
cana-998	308	32	lack	lack	NOUN
cana-998	308	33	of	of	ADP
cana-998	308	34	personalization	personalization	NOUN
cana-998	308	35	0.458	0.458	NUM
cana-998	308	36	83.819	83.819	NUM
cana-998	308	37	108.425	108.425	NUM
cana-998	308	38	0	0	NUM
cana-998	308	39	table	table	NOUN
cana-998	308	40	no.4.12	no.4.12	NOUN
cana-998	308	41	shows	show	VERB
cana-998	308	42	that	that	SCONJ
cana-998	308	43	security	security	NOUN
cana-998	308	44	concerns	concern	NOUN
cana-998	308	45	:	:	PUNCT
cana-998	308	46	there	there	PRON
cana-998	308	47	is	be	VERB
cana-998	308	48	a	a	DET
cana-998	308	49	moderate	moderate	ADJ
cana-998	308	50	positive	positive	ADJ
cana-998	308	51	association	association	NOUN
cana-998	308	52	(	(	PUNCT
cana-998	308	53	r	r	NOUN
cana-998	308	54	=	=	NOUN
cana-998	308	55	0.255	0.255	NUM
cana-998	308	56	)	)	PUNCT
cana-998	308	57	between	between	ADP
cana-998	308	58	security	security	NOUN
cana-998	308	59	concerns	concern	NOUN
cana-998	308	60	and	and	CCONJ
cana-998	308	61	annual	annual	ADJ
cana-998	308	62	income	income	NOUN
cana-998	308	63	.	.	PUNCT
cana-998	309	1	this	this	PRON
cana-998	309	2	suggests	suggest	VERB
cana-998	309	3	that	that	SCONJ
cana-998	309	4	as	as	ADP
cana-998	309	5	annual	annual	ADJ
cana-998	309	6	income	income	NOUN
cana-998	309	7	increases	increase	NOUN
cana-998	309	8	,	,	PUNCT
cana-998	309	9	there	there	PRON
cana-998	309	10	is	be	VERB
cana-998	309	11	a	a	DET
cana-998	309	12	tendency	tendency	NOUN
cana-998	309	13	for	for	SCONJ
cana-998	309	14	security	security	NOUN
cana-998	309	15	concerns	concern	NOUN
cana-998	309	16	to	to	PART
cana-998	309	17	also	also	ADV
cana-998	309	18	increase	increase	VERB
cana-998	309	19	.	.	PUNCT
cana-998	310	1	the	the	DET
cana-998	310	2	association	association	NOUN
cana-998	310	3	is	be	AUX
cana-998	310	4	statistically	statistically	ADV
cana-998	310	5	significant	significant	ADJ
cana-998	310	6	(	(	PUNCT
cana-998	310	7	sig	sig	NOUN
cana-998	310	8	.	.	PUNCT
cana-998	311	1	=	=	PUNCT
cana-998	311	2	0	0	NUM
cana-998	311	3	)	)	PUNCT
cana-998	311	4	,	,	PUNCT
cana-998	311	5	indicating	indicate	VERB
cana-998	311	6	that	that	SCONJ
cana-998	311	7	annual	annual	ADJ
cana-998	311	8	income	income	NOUN
cana-998	311	9	is	be	AUX
cana-998	311	10	a	a	DET
cana-998	311	11	predictor	predictor	NOUN
cana-998	311	12	of	of	ADP
cana-998	311	13	security	security	NOUN
cana-998	311	14	concerns.technical	concerns.technical	ADJ
cana-998	311	15	glitches	glitch	NOUN
cana-998	311	16	:	:	PUNCT
cana-998	311	17	there	there	PRON
cana-998	311	18	is	be	VERB
cana-998	311	19	a	a	DET
cana-998	311	20	strong	strong	ADJ
cana-998	311	21	positive	positive	ADJ
cana-998	311	22	association	association	NOUN
cana-998	311	23	(	(	PUNCT
cana-998	311	24	r	r	NOUN
cana-998	311	25	=	=	NOUN
cana-998	311	26	0.364	0.364	NUM
cana-998	311	27	)	)	PUNCT
cana-998	311	28	between	between	ADP
cana-998	311	29	technical	technical	ADJ
cana-998	311	30	glitches	glitch	NOUN
cana-998	311	31	and	and	CCONJ
cana-998	311	32	annual	annual	ADJ
cana-998	311	33	income	income	NOUN
cana-998	311	34	.	.	PUNCT
cana-998	312	1	this	this	PRON
cana-998	312	2	indicates	indicate	VERB
cana-998	312	3	that	that	SCONJ
cana-998	312	4	as	as	ADP
cana-998	312	5	annual	annual	ADJ
cana-998	312	6	income	income	NOUN
cana-998	312	7	increases	increase	NOUN
cana-998	312	8	,	,	PUNCT
cana-998	312	9	there	there	PRON
cana-998	312	10	is	be	VERB
cana-998	312	11	a	a	DET
cana-998	312	12	significant	significant	ADJ
cana-998	312	13	tendency	tendency	NOUN
cana-998	312	14	for	for	SCONJ
cana-998	312	15	technical	technical	ADJ
cana-998	312	16	glitches	glitch	NOUN
cana-998	312	17	to	to	PART
cana-998	312	18	increase	increase	VERB
cana-998	312	19	.	.	PUNCT
cana-998	313	1	the	the	DET
cana-998	313	2	association	association	NOUN
cana-998	313	3	is	be	AUX
cana-998	313	4	statistically	statistically	ADV
cana-998	313	5	significant	significant	ADJ
cana-998	313	6	(	(	PUNCT
cana-998	313	7	sig	sig	NOUN
cana-998	313	8	.	.	PUNCT
cana-998	314	1	=	=	PUNCT
cana-998	314	2	0	0	NUM
cana-998	314	3	)	)	PUNCT
cana-998	314	4	,	,	PUNCT
cana-998	314	5	suggesting	suggest	VERB
cana-998	314	6	that	that	SCONJ
cana-998	314	7	annual	annual	ADJ
cana-998	314	8	income	income	NOUN
cana-998	314	9	is	be	AUX
cana-998	314	10	a	a	DET
cana-998	314	11	predictor	predictor	NOUN
cana-998	314	12	of	of	ADP
cana-998	314	13	technical	technical	ADJ
cana-998	314	14	glitches	glitch	NOUN
cana-998	314	15	.	.	PUNCT
cana-998	315	1	lack	lack	NOUN
cana-998	315	2	of	of	ADP
cana-998	315	3	customer	customer	NOUN
cana-998	315	4	support	support	NOUN
cana-998	315	5	:	:	PUNCT
cana-998	315	6	there	there	PRON
cana-998	315	7	is	be	VERB
cana-998	315	8	a	a	DET
cana-998	315	9	moderate	moderate	ADJ
cana-998	315	10	negative	negative	ADJ
cana-998	315	11	association	association	NOUN
cana-998	315	12	(	(	PUNCT
cana-998	315	13	r	r	NOUN
cana-998	315	14	=	=	SYM
cana-998	315	15	-0.253	-0.253	PUNCT
cana-998	315	16	)	)	PUNCT
cana-998	315	17	between	between	ADP
cana-998	315	18	lack	lack	NOUN
cana-998	315	19	of	of	ADP
cana-998	315	20	customer	customer	NOUN
cana-998	315	21	support	support	NOUN
cana-998	315	22	and	and	CCONJ
cana-998	315	23	annual	annual	ADJ
cana-998	315	24	income	income	NOUN
cana-998	315	25	.	.	PUNCT
cana-998	316	1	this	this	PRON
cana-998	316	2	suggests	suggest	VERB
cana-998	316	3	that	that	SCONJ
cana-998	316	4	as	as	ADP
cana-998	316	5	annual	annual	ADJ
cana-998	316	6	income	income	NOUN
cana-998	316	7	increases	increase	NOUN
cana-998	316	8	,	,	PUNCT
cana-998	316	9	there	there	PRON
cana-998	316	10	is	be	VERB
cana-998	316	11	a	a	DET
cana-998	316	12	tendency	tendency	NOUN
cana-998	316	13	for	for	ADP
cana-998	316	14	concerns	concern	NOUN
cana-998	316	15	about	about	ADP
cana-998	316	16	lack	lack	NOUN
cana-998	316	17	of	of	ADP
cana-998	316	18	customer	customer	NOUN
cana-998	316	19	support	support	NOUN
cana-998	316	20	to	to	PART
cana-998	316	21	decrease	decrease	VERB
cana-998	316	22	.	.	PUNCT
cana-998	317	1	the	the	DET
cana-998	317	2	association	association	NOUN
cana-998	317	3	is	be	AUX
cana-998	317	4	statistically	statistically	ADV
cana-998	317	5	significant	significant	ADJ
cana-998	317	6	(	(	PUNCT
cana-998	317	7	sig	sig	NOUN
cana-998	317	8	.	.	PUNCT
cana-998	318	1	=	=	PUNCT
cana-998	318	2	0	0	NUM
cana-998	318	3	)	)	PUNCT
cana-998	318	4	,	,	PUNCT
cana-998	318	5	indicating	indicate	VERB
cana-998	318	6	that	that	SCONJ
cana-998	318	7	annual	annual	ADJ
cana-998	318	8	income	income	NOUN
cana-998	318	9	is	be	AUX
cana-998	318	10	a	a	DET
cana-998	318	11	predictor	predictor	NOUN
cana-998	318	12	of	of	ADP
cana-998	318	13	lack	lack	NOUN
cana-998	318	14	of	of	ADP
cana-998	318	15	customer	customer	NOUN
cana-998	318	16	support	support	VERB
cana-998	318	17	concerns.transaction	concerns.transaction	NOUN
cana-998	318	18	delays	delay	NOUN
cana-998	318	19	:	:	PUNCT
cana-998	318	20	there	there	PRON
cana-998	318	21	is	be	VERB
cana-998	318	22	a	a	DET
cana-998	318	23	moderate	moderate	ADJ
cana-998	318	24	negative	negative	ADJ
cana-998	318	25	association	association	NOUN
cana-998	318	26	(	(	PUNCT
cana-998	318	27	r	r	NOUN
cana-998	318	28	=	=	SYM
cana-998	318	29	-0.202	-0.202	NOUN
cana-998	318	30	)	)	PUNCT
cana-998	318	31	between	between	ADP
cana-998	318	32	transaction	transaction	NOUN
cana-998	318	33	delays	delay	NOUN
cana-998	318	34	and	and	CCONJ
cana-998	318	35	annual	annual	ADJ
cana-998	318	36	income	income	NOUN
cana-998	318	37	.	.	PUNCT
cana-998	319	1	this	this	PRON
cana-998	319	2	suggests	suggest	VERB
cana-998	319	3	that	that	SCONJ
cana-998	319	4	as	as	ADP
cana-998	319	5	annual	annual	ADJ
cana-998	319	6	income	income	NOUN
cana-998	319	7	increases	increase	NOUN
cana-998	319	8	,	,	PUNCT
cana-998	319	9	there	there	PRON
cana-998	319	10	is	be	VERB
cana-998	319	11	a	a	DET
cana-998	319	12	tendency	tendency	NOUN
cana-998	319	13	for	for	SCONJ
cana-998	319	14	concerns	concern	NOUN
cana-998	319	15	about	about	ADP
cana-998	319	16	transaction	transaction	NOUN
cana-998	319	17	delays	delay	NOUN
cana-998	319	18	to	to	PART
cana-998	319	19	decrease	decrease	VERB
cana-998	319	20	.	.	PUNCT
cana-998	320	1	the	the	DET
cana-998	320	2	association	association	NOUN
cana-998	320	3	is	be	AUX
cana-998	320	4	statistically	statistically	ADV
cana-998	320	5	significant	significant	ADJ
cana-998	320	6	(	(	PUNCT
cana-998	320	7	sig	sig	NOUN
cana-998	320	8	.	.	PUNCT
cana-998	321	1	=	=	PUNCT
cana-998	321	2	0	0	NUM
cana-998	321	3	)	)	PUNCT
cana-998	321	4	,	,	PUNCT
cana-998	321	5	indicating	indicate	VERB
cana-998	321	6	that	that	SCONJ
cana-998	321	7	annual	annual	ADJ
cana-998	321	8	income	income	NOUN
cana-998	321	9	is	be	AUX
cana-998	321	10	a	a	DET
cana-998	321	11	predictor	predictor	NOUN
cana-998	321	12	of	of	ADP
cana-998	321	13	concerns	concern	NOUN
cana-998	321	14	regarding	regard	VERB
cana-998	321	15	transaction	transaction	NOUN
cana-998	321	16	delays	delay	NOUN
cana-998	321	17	.	.	PUNCT
cana-998	322	1	complexity	complexity	NOUN
cana-998	322	2	of	of	ADP
cana-998	322	3	terms	term	NOUN
cana-998	322	4	and	and	CCONJ
cana-998	322	5	conditions	condition	NOUN
cana-998	322	6	:	:	PUNCT
cana-998	322	7	there	there	PRON
cana-998	322	8	is	be	VERB
cana-998	322	9	a	a	DET
cana-998	322	10	weak	weak	ADJ
cana-998	322	11	positive	positive	ADJ
cana-998	322	12	association	association	NOUN
cana-998	322	13	(	(	PUNCT
cana-998	322	14	r	r	NOUN
cana-998	322	15	=	=	NOUN
cana-998	322	16	0.217	0.217	NUM
cana-998	322	17	)	)	PUNCT
cana-998	322	18	between	between	ADP
cana-998	322	19	the	the	DET
cana-998	322	20	complexity	complexity	NOUN
cana-998	322	21	of	of	ADP
cana-998	322	22	terms	term	NOUN
cana-998	322	23	and	and	CCONJ
cana-998	322	24	conditions	condition	NOUN
cana-998	322	25	and	and	CCONJ
cana-998	322	26	annual	annual	ADJ
cana-998	322	27	income	income	NOUN
cana-998	322	28	.	.	PUNCT
cana-998	323	1	this	this	PRON
cana-998	323	2	suggests	suggest	VERB
cana-998	323	3	that	that	SCONJ
cana-998	323	4	as	as	ADP
cana-998	323	5	annual	annual	ADJ
cana-998	323	6	income	income	NOUN
cana-998	323	7	increases	increase	NOUN
cana-998	323	8	,	,	PUNCT
cana-998	323	9	there	there	PRON
cana-998	323	10	is	be	VERB
cana-998	323	11	a	a	DET
cana-998	323	12	slight	slight	ADJ
cana-998	323	13	tendency	tendency	NOUN
cana-998	323	14	for	for	ADP
cana-998	323	15	concerns	concern	NOUN
cana-998	323	16	about	about	ADP
cana-998	323	17	the	the	DET
cana-998	323	18	complexity	complexity	NOUN
cana-998	323	19	of	of	ADP
cana-998	323	20	terms	term	NOUN
cana-998	323	21	and	and	CCONJ
cana-998	323	22	conditions	condition	NOUN
cana-998	323	23	to	to	PART
cana-998	323	24	increase	increase	VERB
cana-998	323	25	.	.	PUNCT
cana-998	324	1	the	the	DET
cana-998	324	2	association	association	NOUN
cana-998	324	3	is	be	AUX
cana-998	324	4	statistically	statistically	ADV
cana-998	324	5	significant	significant	ADJ
cana-998	324	6	(	(	PUNCT
cana-998	324	7	sig	sig	NOUN
cana-998	324	8	.	.	PUNCT
cana-998	325	1	=	=	PUNCT
cana-998	325	2	0	0	NUM
cana-998	325	3	)	)	PUNCT
cana-998	325	4	,	,	PUNCT
cana-998	325	5	indicating	indicate	VERB
cana-998	325	6	that	that	SCONJ
cana-998	325	7	annual	annual	ADJ
cana-998	325	8	income	income	NOUN
cana-998	325	9	is	be	AUX
cana-998	325	10	a	a	DET
cana-998	325	11	predictor	predictor	NOUN
cana-998	325	12	of	of	ADP
cana-998	325	13	concerns	concern	NOUN
cana-998	325	14	regarding	regard	VERB
cana-998	325	15	the	the	DET
cana-998	325	16	complexity	complexity	NOUN
cana-998	325	17	of	of	ADP
cana-998	325	18	terms	term	NOUN
cana-998	325	19	and	and	CCONJ
cana-998	325	20	conditions	condition	NOUN
cana-998	325	21	.	.	PUNCT
cana-998	326	1	hidden	hide	VERB
cana-998	326	2	fees	fee	NOUN
cana-998	326	3	:	:	PUNCT
cana-998	326	4	there	there	PRON
cana-998	326	5	is	be	VERB
cana-998	326	6	a	a	DET
cana-998	326	7	moderate	moderate	ADJ
cana-998	326	8	negative	negative	ADJ
cana-998	326	9	association	association	NOUN
cana-998	326	10	(	(	PUNCT
cana-998	326	11	r	r	NOUN
cana-998	326	12	=	=	SYM
cana-998	326	13	-0.237	-0.237	PUNCT
cana-998	326	14	)	)	PUNCT
cana-998	326	15	between	between	ADP
cana-998	326	16	hidden	hide	VERB
cana-998	326	17	fees	fee	NOUN
cana-998	326	18	and	and	CCONJ
cana-998	326	19	annual	annual	ADJ
cana-998	326	20	income	income	NOUN
cana-998	326	21	.	.	PUNCT
cana-998	327	1	this	this	PRON
cana-998	327	2	suggests	suggest	VERB
cana-998	327	3	that	that	SCONJ
cana-998	327	4	as	as	ADP
cana-998	327	5	annual	annual	ADJ
cana-998	327	6	income	income	NOUN
cana-998	327	7	increases	increase	NOUN
cana-998	327	8	,	,	PUNCT
cana-998	327	9	there	there	PRON
cana-998	327	10	is	be	VERB
cana-998	327	11	a	a	DET
cana-998	327	12	tendency	tendency	NOUN
cana-998	327	13	for	for	ADP
cana-998	327	14	concerns	concern	NOUN
cana-998	327	15	about	about	ADP
cana-998	327	16	hidden	hide	VERB
cana-998	327	17	fees	fee	NOUN
cana-998	327	18	to	to	PART
cana-998	327	19	decrease	decrease	VERB
cana-998	327	20	.	.	PUNCT
cana-998	328	1	the	the	DET
cana-998	328	2	association	association	NOUN
cana-998	328	3	is	be	AUX
cana-998	328	4	statistically	statistically	ADV
cana-998	328	5	significant	significant	ADJ
cana-998	328	6	(	(	PUNCT
cana-998	328	7	sig	sig	NOUN
cana-998	328	8	.	.	PUNCT
cana-998	329	1	=	=	PUNCT
cana-998	329	2	0	0	NUM
cana-998	329	3	)	)	PUNCT
cana-998	329	4	,	,	PUNCT
cana-998	329	5	indicating	indicate	VERB
cana-998	329	6	that	that	SCONJ
cana-998	329	7	annual	annual	ADJ
cana-998	329	8	income	income	NOUN
cana-998	329	9	is	be	AUX
cana-998	329	10	a	a	DET
cana-998	329	11	predictor	predictor	NOUN
cana-998	329	12	of	of	ADP
cana-998	329	13	concerns	concern	NOUN
cana-998	329	14	regarding	regard	VERB
cana-998	329	15	hidden	hidden	ADJ
cana-998	329	16	fees	fee	NOUN
cana-998	329	17	.	.	PUNCT
cana-998	330	1	data	data	PROPN
cana-998	330	2	privacy	privacy	NOUN
cana-998	330	3	concerns	concern	NOUN
cana-998	330	4	:	:	PUNCT
cana-998	330	5	there	there	PRON
cana-998	330	6	is	be	VERB
cana-998	330	7	a	a	DET
cana-998	330	8	moderate	moderate	ADJ
cana-998	330	9	negative	negative	ADJ
cana-998	330	10	association	association	NOUN
cana-998	330	11	(	(	PUNCT
cana-998	330	12	r	r	NOUN
cana-998	330	13	=	=	SYM
cana-998	330	14	-0.223	-0.223	NUM
cana-998	330	15	)	)	PUNCT
cana-998	330	16	between	between	ADP
cana-998	330	17	data	datum	NOUN
cana-998	330	18	privacy	privacy	NOUN
cana-998	330	19	concerns	concern	NOUN
cana-998	330	20	and	and	CCONJ
cana-998	330	21	annual	annual	ADJ
cana-998	330	22	income	income	NOUN
cana-998	330	23	.	.	PUNCT
cana-998	331	1	this	this	PRON
cana-998	331	2	suggests	suggest	VERB
cana-998	331	3	that	that	SCONJ
cana-998	331	4	as	as	ADP
cana-998	331	5	annual	annual	ADJ
cana-998	331	6	income	income	NOUN
cana-998	331	7	increases	increase	NOUN
cana-998	331	8	,	,	PUNCT
cana-998	331	9	there	there	PRON
cana-998	331	10	is	be	VERB
cana-998	331	11	a	a	DET
cana-998	331	12	tendency	tendency	NOUN
cana-998	331	13	for	for	SCONJ
cana-998	331	14	concerns	concern	NOUN
cana-998	331	15	about	about	ADP
cana-998	331	16	data	datum	NOUN
cana-998	331	17	privacy	privacy	NOUN
cana-998	331	18	to	to	PART
cana-998	331	19	decrease	decrease	VERB
cana-998	331	20	.	.	PUNCT
cana-998	332	1	the	the	DET
cana-998	332	2	association	association	NOUN
cana-998	332	3	is	be	AUX
cana-998	332	4	statistically	statistically	ADV
cana-998	332	5	significant	significant	ADJ
cana-998	332	6	(	(	PUNCT
cana-998	332	7	sig	sig	NOUN
cana-998	332	8	.	.	PUNCT
cana-998	333	1	=	=	PUNCT
cana-998	333	2	0	0	NUM
cana-998	333	3	)	)	PUNCT
cana-998	333	4	,	,	PUNCT
cana-998	333	5	indicating	indicate	VERB
cana-998	333	6	that	that	SCONJ
cana-998	333	7	annual	annual	ADJ
cana-998	333	8	income	income	NOUN
cana-998	333	9	is	be	AUX
cana-998	333	10	a	a	DET
cana-998	333	11	predictor	predictor	NOUN
cana-998	333	12	of	of	ADP
cana-998	333	13	concerns	concern	NOUN
cana-998	333	14	regarding	regard	VERB
cana-998	333	15	data	data	NOUN
cana-998	333	16	privacy	privacy	NOUN
cana-998	333	17	.	.	PUNCT
cana-998	334	1	communications	communication	NOUN
cana-998	334	2	on	on	ADP
cana-998	334	3	applied	apply	VERB
cana-998	334	4	nonlinear	nonlinear	ADJ
cana-998	334	5	analysis	analysis	NOUN
cana-998	334	6	issn	issn	NOUN
cana-998	334	7	:	:	PUNCT
cana-998	334	8	1074	1074	NUM
cana-998	334	9	-	-	PUNCT
cana-998	334	10	133x	133x	NUM
cana-998	334	11	vol	vol	NOUN
cana-998	334	12	31	31	NUM
cana-998	334	13	no	no	NOUN
cana-998	334	14	.	.	PUNCT
cana-998	335	1	5s	5s	NUM
cana-998	335	2	(	(	PUNCT
cana-998	335	3	2024	2024	NUM
cana-998	335	4	)	)	PUNCT
cana-998	335	5	54	54	NUM
cana-998	335	6	https://internationalpubls.com	https://internationalpubls.com	X
cana-998	335	7	table	table	NOUN
cana-998	335	8	4	4	NUM
cana-998	335	9	.	.	SYM
cana-998	335	10	13	13	NUM
cana-998	335	11	measurement	measurement	NOUN
cana-998	335	12	to	to	PART
cana-998	335	13	avoid	avoid	VERB
cana-998	335	14	the	the	DET
cana-998	335	15	risk	risk	NOUN
cana-998	335	16	using	use	VERB
cana-998	335	17	of	of	ADP
cana-998	335	18	fintech	fintech	NOUN
cana-998	335	19	services	service	NOUN
cana-998	335	20	measurement	measurement	NOUN
cana-998	335	21	mean	mean	VERB
cana-998	335	22	std	std	X
cana-998	335	23	.	.	PUNCT
cana-998	336	1	deviation	deviation	NOUN
cana-998	336	2	kurtosis	kurtosis	VERB
cana-998	336	3	statistic	statistic	ADJ
cana-998	336	4	statistic	statistic	NOUN
cana-998	336	5	statistic	statistic	NOUN
cana-998	336	6	std	std	NOUN
cana-998	336	7	.	.	NOUN
cana-998	336	8	error	error	NOUN
cana-998	336	9	how	how	SCONJ
cana-998	336	10	often	often	ADV
cana-998	336	11	do	do	AUX
cana-998	336	12	you	you	PRON
cana-998	336	13	update	update	VERB
cana-998	336	14	your	your	PRON
cana-998	336	15	passwords	password	NOUN
cana-998	336	16	and	and	CCONJ
cana-998	336	17	security	security	NOUN
cana-998	336	18	settings	setting	NOUN
cana-998	336	19	on	on	ADP
cana-998	336	20	fintech	fintech	NOUN
cana-998	336	21	platforms	platform	NOUN
cana-998	336	22	2.63	2.63	NUM
cana-998	336	23	1.300	1.300	NUM
cana-998	336	24	-1.120	-1.120	NUM
cana-998	336	25	0.329	0.329	NUM
cana-998	336	26	how	how	SCONJ
cana-998	336	27	likely	likely	ADV
cana-998	336	28	are	be	AUX
cana-998	336	29	you	you	PRON
cana-998	336	30	to	to	PART
cana-998	336	31	use	use	VERB
cana-998	336	32	multi	multi	ADJ
cana-998	336	33	-	-	ADJ
cana-998	336	34	factor	factor	NOUN
cana-998	336	35	authentication	authentication	NOUN
cana-998	336	36	on	on	ADP
cana-998	336	37	fintech	fintech	NOUN
cana-998	336	38	platforms	platform	NOUN
cana-998	336	39	2.87	2.87	NUM
cana-998	336	40	1.137	1.137	NUM
cana-998	336	41	-1.268	-1.268	NUM
cana-998	336	42	0.329	0.329	NUM
cana-998	336	43	how	how	SCONJ
cana-998	336	44	often	often	ADV
cana-998	336	45	do	do	AUX
cana-998	336	46	you	you	PRON
cana-998	336	47	back	back	VERB
cana-998	336	48	up	up	ADP
cana-998	336	49	your	your	PRON
cana-998	336	50	financial	financial	ADJ
cana-998	336	51	data	datum	NOUN
cana-998	336	52	stored	store	VERB
cana-998	336	53	on	on	ADP
cana-998	336	54	fintech	fintech	NOUN
cana-998	336	55	platforms	platform	NOUN
cana-998	336	56	2.70	2.70	NUM
cana-998	336	57	1.424	1.424	NUM
cana-998	336	58	-1.291	-1.291	SYM
cana-998	336	59	0.329	0.329	NUM
cana-998	336	60	how	how	SCONJ
cana-998	336	61	likely	likely	ADV
cana-998	336	62	are	be	AUX
cana-998	336	63	you	you	PRON
cana-998	336	64	to	to	PART
cana-998	336	65	use	use	VERB
cana-998	336	66	secure	secure	ADJ
cana-998	336	67	and	and	CCONJ
cana-998	336	68	verified	verify	VERB
cana-998	336	69	payment	payment	NOUN
cana-998	336	70	methods	method	NOUN
cana-998	336	71	provided	provide	VERB
cana-998	336	72	by	by	ADP
cana-998	336	73	fintech	fintech	NOUN
cana-998	336	74	platforms	platform	NOUN
cana-998	336	75	3.07	3.07	NUM
cana-998	336	76	0.935	0.935	NUM
cana-998	336	77	0.609	0.609	NUM
cana-998	336	78	0.329	0.329	NUM
cana-998	336	79	how	how	SCONJ
cana-998	336	80	likely	likely	ADV
cana-998	336	81	are	be	AUX
cana-998	336	82	you	you	PRON
cana-998	336	83	to	to	PART
cana-998	336	84	limit	limit	VERB
cana-998	336	85	the	the	DET
cana-998	336	86	amount	amount	NOUN
cana-998	336	87	of	of	ADP
cana-998	336	88	personal	personal	ADJ
cana-998	336	89	and	and	CCONJ
cana-998	336	90	financial	financial	ADJ
cana-998	336	91	information	information	NOUN
cana-998	336	92	shared	share	VERB
cana-998	336	93	with	with	ADP
cana-998	336	94	fintech	fintech	NOUN
cana-998	336	95	platforms	platform	NOUN
cana-998	336	96	4.15	4.15	NUM
cana-998	336	97	0.848	0.848	NUM
cana-998	336	98	-1.123	-1.123	PUNCT
cana-998	336	99	0.329	0.329	NUM
cana-998	336	100	how	how	SCONJ
cana-998	336	101	much	much	ADJ
cana-998	336	102	do	do	AUX
cana-998	336	103	you	you	PRON
cana-998	336	104	rely	rely	VERB
cana-998	336	105	on	on	ADP
cana-998	336	106	user	user	NOUN
cana-998	336	107	reviews	review	NOUN
cana-998	336	108	and	and	CCONJ
cana-998	336	109	ratings	rating	NOUN
cana-998	336	110	to	to	PART
cana-998	336	111	assess	assess	VERB
cana-998	336	112	the	the	DET
cana-998	336	113	security	security	NOUN
cana-998	336	114	and	and	CCONJ
cana-998	336	115	reliability	reliability	NOUN
cana-998	336	116	of	of	ADP
cana-998	336	117	fintech	fintech	NOUN
cana-998	336	118	platforms	platform	NOUN
cana-998	336	119	before	before	ADP
cana-998	336	120	using	use	VERB
cana-998	336	121	them	they	PRON
cana-998	336	122	2.34	2.34	NUM
cana-998	336	123	1.056	1.056	NUM
cana-998	336	124	-0.851	-0.851	ADP
cana-998	336	125	0.329	0.329	NUM
cana-998	336	126	the	the	DET
cana-998	336	127	table	table	NOUN
cana-998	337	1	no	no	INTJ
cana-998	337	2	.	.	PUNCT
cana-998	338	1	4.13	4.13	NUM
cana-998	338	2	reveals	reveal	VERB
cana-998	338	3	that	that	SCONJ
cana-998	338	4	,	,	PUNCT
cana-998	338	5	the	the	DET
cana-998	338	6	mean	mean	ADJ
cana-998	338	7	score	score	NOUN
cana-998	338	8	for	for	ADP
cana-998	338	9	updating	update	VERB
cana-998	338	10	passwords	password	NOUN
cana-998	338	11	and	and	CCONJ
cana-998	338	12	security	security	NOUN
cana-998	338	13	settings	setting	NOUN
cana-998	338	14	is	be	AUX
cana-998	338	15	2.63	2.63	NUM
cana-998	338	16	,	,	PUNCT
cana-998	338	17	with	with	ADP
cana-998	338	18	a	a	DET
cana-998	338	19	standard	standard	ADJ
cana-998	338	20	deviation	deviation	NOUN
cana-998	338	21	of	of	ADP
cana-998	338	22	1.3	1.3	NUM
cana-998	338	23	.	.	PUNCT
cana-998	339	1	this	this	PRON
cana-998	339	2	suggests	suggest	VERB
cana-998	339	3	that	that	SCONJ
cana-998	339	4	while	while	SCONJ
cana-998	339	5	some	some	DET
cana-998	339	6	users	user	NOUN
cana-998	339	7	are	be	AUX
cana-998	339	8	diligent	diligent	ADJ
cana-998	339	9	about	about	ADP
cana-998	339	10	updating	update	VERB
cana-998	339	11	their	their	PRON
cana-998	339	12	security	security	NOUN
cana-998	339	13	measures	measure	NOUN
cana-998	339	14	,	,	PUNCT
cana-998	339	15	others	other	NOUN
cana-998	339	16	may	may	AUX
cana-998	339	17	not	not	PART
cana-998	339	18	do	do	VERB
cana-998	339	19	so	so	ADV
cana-998	339	20	as	as	ADV
cana-998	339	21	frequently	frequently	ADV
cana-998	339	22	.	.	PUNCT
cana-998	340	1	similarly	similarly	ADV
cana-998	340	2	,	,	PUNCT
cana-998	340	3	the	the	DET
cana-998	340	4	likelihood	likelihood	NOUN
cana-998	340	5	of	of	ADP
cana-998	340	6	using	use	VERB
cana-998	340	7	multi	multi	ADJ
cana-998	340	8	-	-	ADJ
cana-998	340	9	factor	factor	NOUN
cana-998	340	10	authentication	authentication	NOUN
cana-998	340	11	has	have	VERB
cana-998	340	12	a	a	DET
cana-998	340	13	mean	mean	ADJ
cana-998	340	14	score	score	NOUN
cana-998	340	15	of	of	ADP
cana-998	340	16	2.87	2.87	NUM
cana-998	340	17	with	with	ADP
cana-998	340	18	a	a	DET
cana-998	340	19	standard	standard	ADJ
cana-998	340	20	deviation	deviation	NOUN
cana-998	340	21	of	of	ADP
cana-998	340	22	1.137	1.137	NUM
cana-998	340	23	,	,	PUNCT
cana-998	340	24	indicating	indicate	VERB
cana-998	340	25	a	a	DET
cana-998	340	26	somewhat	somewhat	ADV
cana-998	340	27	moderate	moderate	ADJ
cana-998	340	28	inclination	inclination	NOUN
cana-998	340	29	towards	towards	ADP
cana-998	340	30	this	this	DET
cana-998	340	31	additional	additional	ADJ
cana-998	340	32	security	security	NOUN
cana-998	340	33	measure	measure	NOUN
cana-998	340	34	.	.	PUNCT
cana-998	341	1	when	when	SCONJ
cana-998	341	2	it	it	PRON
cana-998	341	3	comes	come	VERB
cana-998	341	4	to	to	ADP
cana-998	341	5	backing	back	VERB
cana-998	341	6	up	up	ADP
cana-998	341	7	financial	financial	ADJ
cana-998	341	8	data	datum	NOUN
cana-998	341	9	stored	store	VERB
cana-998	341	10	on	on	ADP
cana-998	341	11	fintech	fintech	NOUN
cana-998	341	12	platforms	platform	NOUN
cana-998	341	13	,	,	PUNCT
cana-998	341	14	respondents	respondent	NOUN
cana-998	341	15	seem	seem	VERB
cana-998	341	16	to	to	PART
cana-998	341	17	be	be	AUX
cana-998	341	18	moderately	moderately	ADV
cana-998	341	19	consistent	consistent	ADJ
cana-998	341	20	,	,	PUNCT
cana-998	341	21	with	with	ADP
cana-998	341	22	a	a	DET
cana-998	341	23	mean	mean	ADJ
cana-998	341	24	score	score	NOUN
cana-998	341	25	of	of	ADP
cana-998	341	26	2.70	2.70	NUM
cana-998	341	27	and	and	CCONJ
cana-998	341	28	a	a	DET
cana-998	341	29	higher	high	ADJ
cana-998	341	30	standard	standard	ADJ
cana-998	341	31	deviation	deviation	NOUN
cana-998	341	32	of	of	ADP
cana-998	341	33	1.424	1.424	NUM
cana-998	341	34	,	,	PUNCT
cana-998	341	35	indicating	indicate	VERB
cana-998	341	36	more	more	ADJ
cana-998	341	37	variability	variability	NOUN
cana-998	341	38	in	in	ADP
cana-998	341	39	behavior	behavior	NOUN
cana-998	341	40	.	.	PUNCT
cana-998	342	1	the	the	DET
cana-998	342	2	likelihood	likelihood	NOUN
cana-998	342	3	of	of	ADP
cana-998	342	4	using	use	VERB
cana-998	342	5	secure	secure	ADJ
cana-998	342	6	and	and	CCONJ
cana-998	342	7	verified	verify	VERB
cana-998	342	8	payment	payment	NOUN
cana-998	342	9	methods	method	NOUN
cana-998	342	10	provided	provide	VERB
cana-998	342	11	by	by	ADP
cana-998	342	12	fintech	fintech	NOUN
cana-998	342	13	platforms	platform	NOUN
cana-998	342	14	has	have	VERB
cana-998	342	15	a	a	DET
cana-998	342	16	mean	mean	ADJ
cana-998	342	17	score	score	NOUN
cana-998	342	18	of	of	ADP
cana-998	342	19	3.07	3.07	NUM
cana-998	342	20	,	,	PUNCT
cana-998	342	21	indicating	indicate	VERB
cana-998	342	22	a	a	DET
cana-998	342	23	relatively	relatively	ADV
cana-998	342	24	positive	positive	ADJ
cana-998	342	25	attitude	attitude	NOUN
cana-998	342	26	towards	towards	ADP
cana-998	342	27	these	these	DET
cana-998	342	28	methods	method	NOUN
cana-998	342	29	.	.	PUNCT
cana-998	343	1	however	however	ADV
cana-998	343	2	,	,	PUNCT
cana-998	343	3	the	the	DET
cana-998	343	4	standard	standard	ADJ
cana-998	343	5	deviation	deviation	NOUN
cana-998	343	6	of	of	ADP
cana-998	343	7	0.935	0.935	NUM
cana-998	343	8	suggests	suggest	VERB
cana-998	343	9	some	some	DET
cana-998	343	10	diversity	diversity	NOUN
cana-998	343	11	in	in	ADP
cana-998	343	12	respondents	respondent	NOUN
cana-998	343	13	'	'	PART
cana-998	343	14	views	view	NOUN
cana-998	343	15	.	.	PUNCT
cana-998	344	1	interestingly	interestingly	ADV
cana-998	344	2	,	,	PUNCT
cana-998	344	3	respondents	respondent	NOUN
cana-998	344	4	appear	appear	VERB
cana-998	344	5	more	more	ADV
cana-998	344	6	cautious	cautious	ADJ
cana-998	344	7	when	when	SCONJ
cana-998	344	8	it	it	PRON
cana-998	344	9	comes	come	VERB
cana-998	344	10	to	to	ADP
cana-998	344	11	limiting	limit	VERB
cana-998	344	12	the	the	DET
cana-998	344	13	amount	amount	NOUN
cana-998	344	14	of	of	ADP
cana-998	344	15	personal	personal	ADJ
cana-998	344	16	and	and	CCONJ
cana-998	344	17	financial	financial	ADJ
cana-998	344	18	information	information	NOUN
cana-998	344	19	shared	share	VERB
cana-998	344	20	with	with	ADP
cana-998	344	21	fintech	fintech	NOUN
cana-998	344	22	platforms	platform	NOUN
cana-998	344	23	,	,	PUNCT
cana-998	344	24	with	with	ADP
cana-998	344	25	a	a	DET
cana-998	344	26	mean	mean	ADJ
cana-998	344	27	score	score	NOUN
cana-998	344	28	of	of	ADP
cana-998	344	29	4.15	4.15	NUM
cana-998	344	30	and	and	CCONJ
cana-998	344	31	a	a	DET
cana-998	344	32	low	low	ADJ
cana-998	344	33	standard	standard	ADJ
cana-998	344	34	deviation	deviation	NOUN
cana-998	344	35	of	of	ADP
cana-998	344	36	0.848	0.848	NUM
cana-998	344	37	,	,	PUNCT
cana-998	344	38	indicating	indicate	VERB
cana-998	344	39	a	a	DET
cana-998	344	40	more	more	ADV
cana-998	344	41	consistent	consistent	ADJ
cana-998	344	42	inclination	inclination	NOUN
cana-998	344	43	towards	towards	ADP
cana-998	344	44	privacy	privacy	NOUN
cana-998	344	45	protection	protection	NOUN
cana-998	344	46	.	.	PUNCT
cana-998	345	1	lastly	lastly	ADV
cana-998	345	2	,	,	PUNCT
cana-998	345	3	when	when	SCONJ
cana-998	345	4	assessing	assess	VERB
cana-998	345	5	the	the	DET
cana-998	345	6	security	security	NOUN
cana-998	345	7	and	and	CCONJ
cana-998	345	8	reliability	reliability	NOUN
cana-998	345	9	of	of	ADP
cana-998	345	10	fintech	fintech	NOUN
cana-998	345	11	platforms	platform	NOUN
cana-998	345	12	,	,	PUNCT
cana-998	345	13	respondents	respondent	NOUN
cana-998	345	14	seem	seem	VERB
cana-998	345	15	to	to	PART
cana-998	345	16	rely	rely	VERB
cana-998	345	17	moderately	moderately	ADV
cana-998	345	18	on	on	ADP
cana-998	345	19	user	user	NOUN
cana-998	345	20	reviews	review	NOUN
cana-998	345	21	and	and	CCONJ
cana-998	345	22	ratings	rating	NOUN
cana-998	345	23	,	,	PUNCT
cana-998	345	24	with	with	ADP
cana-998	345	25	a	a	DET
cana-998	345	26	mean	mean	ADJ
cana-998	345	27	score	score	NOUN
cana-998	345	28	of	of	ADP
cana-998	345	29	2.34	2.34	NUM
cana-998	345	30	and	and	CCONJ
cana-998	345	31	a	a	DET
cana-998	345	32	standard	standard	ADJ
cana-998	345	33	deviation	deviation	NOUN
cana-998	345	34	of	of	ADP
cana-998	345	35	1.056	1.056	NUM
cana-998	345	36	.	.	PUNCT
cana-998	346	1	5	5	NUM
cana-998	346	2	.	.	X
cana-998	346	3	conclusion	conclusion	VERB
cana-998	346	4	the	the	DET
cana-998	346	5	analysis	analysis	NOUN
cana-998	346	6	of	of	ADP
cana-998	346	7	fintech	fintech	NOUN
cana-998	346	8	services	service	NOUN
cana-998	346	9	adoption	adoption	NOUN
cana-998	346	10	in	in	ADP
cana-998	346	11	the	the	DET
cana-998	346	12	rural	rural	ADJ
cana-998	346	13	area	area	NOUN
cana-998	346	14	of	of	ADP
cana-998	346	15	tirupati	tirupati	PROPN
cana-998	346	16	reveals	reveal	VERB
cana-998	346	17	intriguing	intriguing	ADJ
cana-998	346	18	patterns	pattern	NOUN
cana-998	346	19	in	in	ADP
cana-998	346	20	user	user	NOUN
cana-998	346	21	behavior	behavior	NOUN
cana-998	346	22	across	across	ADP
cana-998	346	23	various	various	ADJ
cana-998	346	24	demographics	demographic	NOUN
cana-998	346	25	.	.	PUNCT
cana-998	347	1	among	among	ADP
cana-998	347	2	the	the	DET
cana-998	347	3	surveyed	survey	VERB
cana-998	347	4	services	service	NOUN
cana-998	347	5	,	,	PUNCT
cana-998	347	6	paytm	paytm	NOUN
cana-998	347	7	emerges	emerge	NOUN
cana-998	347	8	with	with	ADP
cana-998	347	9	the	the	DET
cana-998	347	10	highest	high	ADJ
cana-998	347	11	mean	mean	ADJ
cana-998	347	12	usage	usage	NOUN
cana-998	347	13	score	score	NOUN
cana-998	347	14	,	,	PUNCT
cana-998	347	15	closely	closely	ADV
cana-998	347	16	followed	follow	VERB
cana-998	347	17	by	by	ADP
cana-998	347	18	google	google	PROPN
cana-998	347	19	pay	pay	PROPN
cana-998	347	20	and	and	CCONJ
cana-998	347	21	sbi	sbi	PROPN
cana-998	347	22	yono	yono	PROPN
cana-998	347	23	,	,	PUNCT
cana-998	347	24	indicating	indicate	VERB
cana-998	347	25	their	their	PRON
cana-998	347	26	popularity	popularity	NOUN
cana-998	347	27	among	among	ADP
cana-998	347	28	respondents	respondent	NOUN
cana-998	347	29	.	.	PUNCT
cana-998	348	1	conversely	conversely	ADV
cana-998	348	2	,	,	PUNCT
cana-998	348	3	mobiwik	mobiwik	PROPN
cana-998	348	4	exhibits	exhibit	VERB
cana-998	348	5	the	the	DET
cana-998	348	6	lowest	low	ADJ
cana-998	348	7	mean	mean	ADJ
cana-998	348	8	usage	usage	NOUN
cana-998	348	9	score	score	NOUN
cana-998	348	10	,	,	PUNCT
cana-998	348	11	suggesting	suggest	VERB
cana-998	348	12	comparatively	comparatively	ADV
cana-998	348	13	lower	low	ADJ
cana-998	348	14	adoption	adoption	NOUN
cana-998	348	15	levels	level	NOUN
cana-998	348	16	.	.	PUNCT
cana-998	349	1	notably	notably	ADV
cana-998	349	2	,	,	PUNCT
cana-998	349	3	google	google	PROPN
cana-998	349	4	pay	pay	NOUN
cana-998	349	5	demonstrates	demonstrate	VERB
cana-998	349	6	the	the	DET
cana-998	349	7	lowest	low	ADJ
cana-998	349	8	standard	standard	ADJ
cana-998	349	9	deviation	deviation	NOUN
cana-998	349	10	,	,	PUNCT
cana-998	349	11	implying	imply	VERB
cana-998	349	12	more	more	ADV
cana-998	349	13	consistent	consistent	ADJ
cana-998	349	14	usage	usage	NOUN
cana-998	349	15	levels	level	NOUN
cana-998	349	16	among	among	ADP
cana-998	349	17	respondents	respondent	NOUN
cana-998	349	18	.	.	PUNCT
cana-998	350	1	these	these	DET
cana-998	350	2	findings	finding	NOUN
cana-998	350	3	underscore	underscore	VERB
cana-998	350	4	significant	significant	ADJ
cana-998	350	5	differences	difference	NOUN
cana-998	350	6	in	in	ADP
cana-998	350	7	mean	mean	ADJ
cana-998	350	8	usage	usage	NOUN
cana-998	350	9	levels	level	NOUN
cana-998	350	10	among	among	ADP
cana-998	350	11	fintech	fintech	NOUN
cana-998	350	12	services	service	NOUN
cana-998	350	13	,	,	PUNCT
cana-998	350	14	supported	support	VERB
cana-998	350	15	by	by	ADP
cana-998	350	16	low	low	ADJ
cana-998	350	17	p	p	NOUN
cana-998	350	18	-	-	PUNCT
cana-998	350	19	values	value	NOUN
cana-998	350	20	and	and	CCONJ
cana-998	350	21	high	high	ADJ
cana-998	350	22	f	f	NOUN
cana-998	350	23	-	-	PUNCT
cana-998	350	24	values	value	NOUN
cana-998	350	25	in	in	ADP
cana-998	350	26	the	the	DET
cana-998	350	27	statistical	statistical	ADJ
cana-998	350	28	analysis	analysis	NOUN
cana-998	350	29	.	.	PUNCT
cana-998	351	1	further	further	ADJ
cana-998	351	2	investigation	investigation	NOUN
cana-998	351	3	into	into	ADP
cana-998	351	4	usage	usage	NOUN
cana-998	351	5	patterns	pattern	NOUN
cana-998	351	6	among	among	ADP
cana-998	351	7	different	different	ADJ
cana-998	351	8	demographic	demographic	ADJ
cana-998	351	9	segments	segment	NOUN
cana-998	351	10	reveals	reveal	VERB
cana-998	351	11	compelling	compelling	ADJ
cana-998	351	12	insights	insight	NOUN
cana-998	351	13	.	.	PUNCT
cana-998	352	1	while	while	SCONJ
cana-998	352	2	mobiwik	mobiwik	PROPN
cana-998	352	3	,	,	PUNCT
cana-998	352	4	airtel	airtel	PROPN
cana-998	352	5	payment	payment	NOUN
cana-998	352	6	,	,	PUNCT
cana-998	352	7	and	and	CCONJ
cana-998	352	8	google	google	PROPN
cana-998	352	9	pay	pay	NOUN
cana-998	352	10	show	show	VERB
cana-998	352	11	relatively	relatively	ADV
cana-998	352	12	higher	high	ADJ
cana-998	352	13	mean	mean	ADJ
cana-998	352	14	usage	usage	NOUN
cana-998	352	15	scores	score	NOUN
cana-998	352	16	among	among	ADP
cana-998	352	17	a	a	DET
cana-998	352	18	specified	specified	ADJ
cana-998	352	19	gender	gender	NOUN
cana-998	352	20	,	,	PUNCT
cana-998	352	21	sbi	sbi	PROPN
cana-998	352	22	yono	yono	PROPN
cana-998	352	23	stands	stand	VERB
cana-998	352	24	out	out	ADP
cana-998	352	25	with	with	ADP
cana-998	352	26	the	the	DET
cana-998	352	27	highest	high	ADJ
cana-998	352	28	mean	mean	ADJ
cana-998	352	29	usage	usage	NOUN
cana-998	352	30	score	score	NOUN
cana-998	352	31	among	among	ADP
cana-998	352	32	individuals	individual	NOUN
cana-998	352	33	with	with	ADP
cana-998	352	34	a	a	DET
cana-998	352	35	specified	specified	ADJ
cana-998	352	36	education	education	NOUN
cana-998	352	37	level	level	NOUN
cana-998	352	38	.	.	PUNCT
cana-998	353	1	conversely	conversely	ADV
cana-998	353	2	,	,	PUNCT
cana-998	353	3	bhim	bhim	PROPN
cana-998	353	4	upi	upi	PROPN
cana-998	353	5	records	record	VERB
cana-998	353	6	the	the	DET
cana-998	353	7	lowest	low	ADJ
cana-998	353	8	mean	mean	ADJ
cana-998	353	9	usage	usage	NOUN
cana-998	353	10	score	score	NOUN
cana-998	353	11	within	within	ADP
cana-998	353	12	communications	communication	NOUN
cana-998	353	13	on	on	ADP
cana-998	353	14	applied	apply	VERB
cana-998	353	15	nonlinear	nonlinear	ADJ
cana-998	353	16	analysis	analysis	NOUN
cana-998	353	17	issn	issn	NOUN
cana-998	353	18	:	:	PUNCT
cana-998	353	19	1074	1074	NUM
cana-998	353	20	-	-	PUNCT
cana-998	353	21	133x	133x	NUM
cana-998	353	22	vol	vol	NOUN
cana-998	353	23	31	31	NUM
cana-998	353	24	no	no	NOUN
cana-998	353	25	.	.	PUNCT
cana-998	354	1	5s	5s	NUM
cana-998	354	2	(	(	PUNCT
cana-998	354	3	2024	2024	NUM
cana-998	354	4	)	)	PUNCT
cana-998	354	5	55	55	NUM
cana-998	354	6	https://internationalpubls.com	https://internationalpubls.com	X
cana-998	354	7	this	this	DET
cana-998	354	8	group	group	NOUN
cana-998	354	9	.	.	PUNCT
cana-998	355	1	similarly	similarly	ADV
cana-998	355	2	,	,	PUNCT
cana-998	355	3	bhim	bhim	PROPN
cana-998	355	4	upi	upi	PROPN
cana-998	355	5	exhibits	exhibit	VERB
cana-998	355	6	the	the	DET
cana-998	355	7	highest	high	ADJ
cana-998	355	8	mean	mean	ADJ
cana-998	355	9	usage	usage	NOUN
cana-998	355	10	score	score	NOUN
cana-998	355	11	among	among	ADP
cana-998	355	12	individuals	individual	NOUN
cana-998	355	13	with	with	ADP
cana-998	355	14	a	a	DET
cana-998	355	15	specified	specify	VERB
cana-998	355	16	employment	employment	NOUN
cana-998	355	17	status	status	NOUN
cana-998	355	18	,	,	PUNCT
cana-998	355	19	contrasting	contrast	VERB
cana-998	355	20	with	with	ADP
cana-998	355	21	paytm	paytm	NOUN
cana-998	355	22	's	's	PART
cana-998	355	23	comparatively	comparatively	ADV
cana-998	355	24	lower	low	ADJ
cana-998	355	25	usage	usage	NOUN
cana-998	355	26	.	.	PUNCT
cana-998	356	1	additionally	additionally	ADV
cana-998	356	2	,	,	PUNCT
cana-998	356	3	paytm	paytm	ADJ
cana-998	356	4	garners	garner	VERB
cana-998	356	5	the	the	DET
cana-998	356	6	highest	high	ADJ
cana-998	356	7	mean	mean	ADJ
cana-998	356	8	usage	usage	NOUN
cana-998	356	9	score	score	NOUN
cana-998	356	10	among	among	ADP
cana-998	356	11	individuals	individual	NOUN
cana-998	356	12	with	with	ADP
cana-998	356	13	a	a	DET
cana-998	356	14	specified	specify	VERB
cana-998	356	15	annual	annual	ADJ
cana-998	356	16	income	income	NOUN
cana-998	356	17	,	,	PUNCT
cana-998	356	18	while	while	SCONJ
cana-998	356	19	phone	phone	NOUN
cana-998	356	20	pe	pe	NOUN
cana-998	356	21	trails	trail	NOUN
cana-998	356	22	with	with	ADP
cana-998	356	23	a	a	DET
cana-998	356	24	lower	low	ADJ
cana-998	356	25	mean	mean	ADJ
cana-998	356	26	usage	usage	NOUN
cana-998	356	27	score	score	NOUN
cana-998	356	28	within	within	ADP
cana-998	356	29	this	this	DET
cana-998	356	30	cohort	cohort	NOUN
cana-998	356	31	.	.	PUNCT
cana-998	357	1	these	these	DET
cana-998	357	2	disparities	disparity	NOUN
cana-998	357	3	underscore	underscore	VERB
cana-998	357	4	the	the	DET
cana-998	357	5	significance	significance	NOUN
cana-998	357	6	of	of	ADP
cana-998	357	7	demographic	demographic	ADJ
cana-998	357	8	factors	factor	NOUN
cana-998	357	9	in	in	ADP
cana-998	357	10	shaping	shape	VERB
cana-998	357	11	fintech	fintech	NOUN
cana-998	357	12	service	service	NOUN
cana-998	357	13	adoption	adoption	NOUN
cana-998	357	14	patterns	pattern	NOUN
cana-998	357	15	.	.	PUNCT
cana-998	358	1	while	while	SCONJ
cana-998	358	2	there	there	PRON
cana-998	358	3	are	be	VERB
cana-998	358	4	notable	notable	ADJ
cana-998	358	5	variations	variation	NOUN
cana-998	358	6	in	in	ADP
cana-998	358	7	concerns	concern	NOUN
cana-998	358	8	such	such	ADJ
cana-998	358	9	as	as	ADP
cana-998	358	10	security	security	NOUN
cana-998	358	11	,	,	PUNCT
cana-998	358	12	technical	technical	ADJ
cana-998	358	13	glitches	glitch	NOUN
cana-998	358	14	,	,	PUNCT
cana-998	358	15	lack	lack	NOUN
cana-998	358	16	of	of	ADP
cana-998	358	17	customer	customer	NOUN
cana-998	358	18	support	support	NOUN
cana-998	358	19	,	,	PUNCT
cana-998	358	20	transaction	transaction	NOUN
cana-998	358	21	delays	delay	NOUN
cana-998	358	22	,	,	PUNCT
cana-998	358	23	complexity	complexity	NOUN
cana-998	358	24	of	of	ADP
cana-998	358	25	terms	term	NOUN
cana-998	358	26	and	and	CCONJ
cana-998	358	27	conditions	condition	NOUN
cana-998	358	28	,	,	PUNCT
cana-998	358	29	hidden	hide	VERB
cana-998	358	30	fees	fee	NOUN
cana-998	358	31	,	,	PUNCT
cana-998	358	32	data	data	NOUN
cana-998	358	33	privacy	privacy	NOUN
cana-998	358	34	,	,	PUNCT
cana-998	358	35	inconsistent	inconsistent	ADJ
cana-998	358	36	performance	performance	NOUN
cana-998	358	37	,	,	PUNCT
cana-998	358	38	and	and	CCONJ
cana-998	358	39	lack	lack	NOUN
cana-998	358	40	of	of	ADP
cana-998	358	41	personalization	personalization	NOUN
cana-998	358	42	across	across	ADP
cana-998	358	43	different	different	ADJ
cana-998	358	44	demographic	demographic	ADJ
cana-998	358	45	groups	group	NOUN
cana-998	358	46	,	,	PUNCT
cana-998	358	47	certain	certain	ADJ
cana-998	358	48	patterns	pattern	NOUN
cana-998	358	49	emerge	emerge	VERB
cana-998	358	50	.	.	PUNCT
cana-998	359	1	for	for	ADP
cana-998	359	2	instance	instance	NOUN
cana-998	359	3	,	,	PUNCT
cana-998	359	4	concerns	concern	NOUN
cana-998	359	5	related	relate	VERB
cana-998	359	6	to	to	ADP
cana-998	359	7	security	security	NOUN
cana-998	359	8	,	,	PUNCT
cana-998	359	9	technical	technical	ADJ
cana-998	359	10	glitches	glitch	NOUN
cana-998	359	11	,	,	PUNCT
cana-998	359	12	and	and	CCONJ
cana-998	359	13	inconsistent	inconsistent	ADJ
cana-998	359	14	performance	performance	NOUN
cana-998	359	15	tend	tend	VERB
cana-998	359	16	to	to	PART
cana-998	359	17	increase	increase	VERB
cana-998	359	18	with	with	ADP
cana-998	359	19	higher	high	ADJ
cana-998	359	20	income	income	NOUN
cana-998	359	21	levels	level	NOUN
cana-998	359	22	,	,	PUNCT
cana-998	359	23	while	while	SCONJ
cana-998	359	24	concerns	concern	NOUN
cana-998	359	25	about	about	ADP
cana-998	359	26	lack	lack	NOUN
cana-998	359	27	of	of	ADP
cana-998	359	28	personalization	personalization	NOUN
cana-998	359	29	decrease	decrease	NOUN
cana-998	359	30	with	with	ADP
cana-998	359	31	higher	high	ADJ
cana-998	359	32	education	education	NOUN
cana-998	359	33	levels	level	NOUN
cana-998	359	34	.	.	PUNCT
cana-998	360	1	overall	overall	ADJ
cana-998	360	2	,	,	PUNCT
cana-998	360	3	understanding	understand	VERB
cana-998	360	4	these	these	DET
cana-998	360	5	demographic	demographic	ADJ
cana-998	360	6	variations	variation	NOUN
cana-998	360	7	and	and	CCONJ
cana-998	360	8	their	their	PRON
cana-998	360	9	implications	implication	NOUN
cana-998	360	10	is	be	AUX
cana-998	360	11	crucial	crucial	ADJ
cana-998	360	12	for	for	SCONJ
cana-998	360	13	businesses	business	NOUN
cana-998	360	14	and	and	CCONJ
cana-998	360	15	policymakers	policymaker	NOUN
cana-998	360	16	to	to	PART
cana-998	360	17	tailor	tailor	VERB
cana-998	360	18	their	their	PRON
cana-998	360	19	offerings	offering	NOUN
cana-998	360	20	and	and	CCONJ
cana-998	360	21	services	service	NOUN
cana-998	360	22	effectively	effectively	ADV
cana-998	360	23	,	,	PUNCT
cana-998	360	24	ensuring	ensure	VERB
cana-998	360	25	they	they	PRON
cana-998	360	26	meet	meet	VERB
cana-998	360	27	the	the	DET
cana-998	360	28	diverse	diverse	ADJ
cana-998	360	29	needs	need	NOUN
cana-998	360	30	and	and	CCONJ
cana-998	360	31	preferences	preference	NOUN
cana-998	360	32	of	of	ADP
cana-998	360	33	different	different	ADJ
cana-998	360	34	consumer	consumer	NOUN
cana-998	360	35	segments	segment	NOUN
cana-998	360	36	.	.	PUNCT
cana-998	361	1	overall	overall	ADV
cana-998	361	2	,	,	PUNCT
cana-998	361	3	these	these	DET
cana-998	361	4	findings	finding	NOUN
cana-998	361	5	suggest	suggest	VERB
cana-998	361	6	a	a	DET
cana-998	361	7	nuanced	nuanced	ADJ
cana-998	361	8	landscape	landscape	NOUN
cana-998	361	9	of	of	ADP
cana-998	361	10	security	security	NOUN
cana-998	361	11	practices	practice	NOUN
cana-998	361	12	and	and	CCONJ
cana-998	361	13	attitudes	attitude	NOUN
cana-998	361	14	among	among	ADP
cana-998	361	15	users	user	NOUN
cana-998	361	16	of	of	ADP
cana-998	361	17	fintech	fintech	NOUN
cana-998	361	18	platforms	platform	NOUN
cana-998	361	19	,	,	PUNCT
cana-998	361	20	with	with	ADP
cana-998	361	21	varying	vary	VERB
cana-998	361	22	degrees	degree	NOUN
cana-998	361	23	of	of	ADP
cana-998	361	24	caution	caution	NOUN
cana-998	361	25	and	and	CCONJ
cana-998	361	26	reliance	reliance	NOUN
cana-998	361	27	on	on	ADP
cana-998	361	28	security	security	NOUN
cana-998	361	29	measures	measure	NOUN
cana-998	361	30	.	.	PUNCT
cana-998	362	1	there	there	PRON
cana-998	362	2	seems	seem	VERB
cana-998	362	3	to	to	PART
cana-998	362	4	be	be	AUX
cana-998	362	5	room	room	NOUN
cana-998	362	6	for	for	ADP
cana-998	362	7	improvement	improvement	NOUN
cana-998	362	8	in	in	ADP
cana-998	362	9	certain	certain	ADJ
cana-998	362	10	areas	area	NOUN
cana-998	362	11	,	,	PUNCT
cana-998	362	12	such	such	ADJ
cana-998	362	13	as	as	ADP
cana-998	362	14	updating	update	VERB
cana-998	362	15	security	security	NOUN
cana-998	362	16	settings	setting	NOUN
cana-998	362	17	and	and	CCONJ
cana-998	362	18	utilizing	utilize	VERB
cana-998	362	19	multi	multi	ADJ
cana-998	362	20	-	-	ADJ
cana-998	362	21	factor	factor	NOUN
cana-998	362	22	authentication	authentication	NOUN
cana-998	362	23	,	,	PUNCT
cana-998	362	24	while	while	SCONJ
cana-998	362	25	privacy	privacy	NOUN
cana-998	362	26	concerns	concern	NOUN
cana-998	362	27	and	and	CCONJ
cana-998	362	28	reliance	reliance	NOUN
cana-998	362	29	on	on	ADP
cana-998	362	30	user	user	NOUN
cana-998	362	31	feedback	feedback	NOUN
cana-998	362	32	also	also	ADV
cana-998	362	33	remain	remain	VERB
cana-998	362	34	significant	significant	ADJ
cana-998	362	35	considerations	consideration	NOUN
cana-998	362	36	for	for	ADP
cana-998	362	37	users	user	NOUN
cana-998	362	38	.	.	PUNCT
cana-998	363	1	in	in	ADP
cana-998	363	2	conclusion	conclusion	NOUN
cana-998	363	3	,	,	PUNCT
cana-998	363	4	the	the	DET
cana-998	363	5	study	study	NOUN
cana-998	363	6	unveils	unveil	VERB
cana-998	363	7	nuanced	nuanced	ADJ
cana-998	363	8	variations	variation	NOUN
cana-998	363	9	in	in	ADP
cana-998	363	10	fintech	fintech	NOUN
cana-998	363	11	service	service	NOUN
cana-998	363	12	adoption	adoption	NOUN
cana-998	363	13	across	across	ADP
cana-998	363	14	demographic	demographic	ADJ
cana-998	363	15	segments	segment	NOUN
cana-998	363	16	in	in	ADP
cana-998	363	17	the	the	DET
cana-998	363	18	rural	rural	ADJ
cana-998	363	19	area	area	NOUN
cana-998	363	20	of	of	ADP
cana-998	363	21	tirupati	tirupati	PROPN
cana-998	363	22	.	.	PUNCT
cana-998	364	1	understanding	understand	VERB
cana-998	364	2	these	these	DET
cana-998	364	3	patterns	pattern	NOUN
cana-998	364	4	is	be	AUX
cana-998	364	5	crucial	crucial	ADJ
cana-998	364	6	for	for	ADP
cana-998	364	7	fintech	fintech	NOUN
cana-998	364	8	providers	provider	NOUN
cana-998	364	9	to	to	PART
cana-998	364	10	tailor	tailor	VERB
cana-998	364	11	their	their	PRON
cana-998	364	12	offerings	offering	NOUN
cana-998	364	13	effectively	effectively	ADV
cana-998	364	14	,	,	PUNCT
cana-998	364	15	ensuring	ensure	VERB
cana-998	364	16	widespread	widespread	ADJ
cana-998	364	17	adoption	adoption	NOUN
cana-998	364	18	and	and	CCONJ
cana-998	364	19	addressing	address	VERB
cana-998	364	20	the	the	DET
cana-998	364	21	diverse	diverse	ADJ
cana-998	364	22	needs	need	NOUN
cana-998	364	23	of	of	ADP
cana-998	364	24	rural	rural	ADJ
cana-998	364	25	communities	community	NOUN
cana-998	364	26	.	.	PUNCT
cana-998	365	1	further	further	ADJ
cana-998	365	2	research	research	NOUN
cana-998	365	3	into	into	ADP
cana-998	365	4	the	the	DET
cana-998	365	5	underlying	underlie	VERB
cana-998	365	6	factors	factor	NOUN
cana-998	365	7	driving	drive	VERB
cana-998	365	8	these	these	DET
cana-998	365	9	disparities	disparity	NOUN
cana-998	365	10	can	can	AUX
cana-998	365	11	inform	inform	VERB
cana-998	365	12	targeted	targeted	ADJ
cana-998	365	13	strategies	strategy	NOUN
cana-998	365	14	to	to	PART
cana-998	365	15	enhance	enhance	VERB
cana-998	365	16	financial	financial	ADJ
cana-998	365	17	inclusion	inclusion	NOUN
cana-998	365	18	and	and	CCONJ
cana-998	365	19	promote	promote	VERB
cana-998	365	20	equitable	equitable	ADJ
cana-998	365	21	access	access	NOUN
cana-998	365	22	to	to	ADP
cana-998	365	23	digital	digital	ADJ
cana-998	365	24	financial	financial	ADJ
cana-998	365	25	services	service	NOUN
cana-998	365	26	in	in	ADP
cana-998	365	27	rural	rural	ADJ
cana-998	365	28	areas	area	NOUN
cana-998	365	29	.	.	PUNCT
cana-998	366	1	understanding	understand	VERB
cana-998	366	2	users	user	NOUN
cana-998	366	3	'	'	PART
cana-998	366	4	attitudes	attitude	NOUN
cana-998	366	5	and	and	CCONJ
cana-998	366	6	behaviors	behavior	NOUN
cana-998	366	7	towards	towards	ADP
cana-998	366	8	security	security	NOUN
cana-998	366	9	measures	measure	NOUN
cana-998	366	10	within	within	ADP
cana-998	366	11	fintech	fintech	NOUN
cana-998	366	12	platforms	platform	NOUN
cana-998	366	13	is	be	AUX
cana-998	366	14	essential	essential	ADJ
cana-998	366	15	for	for	SCONJ
cana-998	366	16	providers	provider	NOUN
cana-998	366	17	to	to	PART
cana-998	366	18	design	design	VERB
cana-998	366	19	effective	effective	ADJ
cana-998	366	20	strategies	strategy	NOUN
cana-998	366	21	that	that	PRON
cana-998	366	22	promote	promote	VERB
cana-998	366	23	trust	trust	NOUN
cana-998	366	24	,	,	PUNCT
cana-998	366	25	security	security	NOUN
cana-998	366	26	,	,	PUNCT
cana-998	366	27	and	and	CCONJ
cana-998	366	28	user	user	NOUN
cana-998	366	29	empowerment	empowerment	NOUN
cana-998	366	30	.	.	PUNCT
cana-998	367	1	by	by	ADP
cana-998	367	2	addressing	address	VERB
cana-998	367	3	concerns	concern	NOUN
cana-998	367	4	,	,	PUNCT
cana-998	367	5	enhancing	enhance	VERB
cana-998	367	6	transparency	transparency	NOUN
cana-998	367	7	,	,	PUNCT
cana-998	367	8	and	and	CCONJ
cana-998	367	9	promoting	promote	VERB
cana-998	367	10	best	good	ADJ
cana-998	367	11	practices	practice	NOUN
cana-998	367	12	,	,	PUNCT
cana-998	367	13	fintech	fintech	NOUN
cana-998	367	14	platforms	platform	NOUN
cana-998	367	15	can	can	AUX
cana-998	367	16	continue	continue	VERB
cana-998	367	17	to	to	PART
cana-998	367	18	evolve	evolve	VERB
cana-998	367	19	as	as	ADV
cana-998	367	20	secure	secure	ADJ
cana-998	367	21	and	and	CCONJ
cana-998	367	22	reliable	reliable	ADJ
cana-998	367	23	tools	tool	NOUN
cana-998	367	24	for	for	ADP
cana-998	367	25	financial	financial	ADJ
cana-998	367	26	transactions	transaction	NOUN
cana-998	367	27	in	in	ADP
cana-998	367	28	the	the	DET
cana-998	367	29	digital	digital	ADJ
cana-998	367	30	age	age	NOUN
cana-998	367	31	.	.	PUNCT
cana-998	368	1	reference	reference	NOUN
cana-998	368	2	[	[	X
cana-998	368	3	1	1	NUM
cana-998	368	4	]	]	X
cana-998	368	5	leong	leong	PROPN
cana-998	368	6	,	,	PUNCT
cana-998	368	7	k.	k.	PROPN
cana-998	368	8	;	;	PUNCT
cana-998	368	9	sung	sung	PROPN
cana-998	368	10	,	,	PUNCT
cana-998	368	11	a.	a.	NOUN
cana-998	368	12	fintech	fintech	NOUN
cana-998	368	13	(	(	PUNCT
cana-998	368	14	financial	financial	ADJ
cana-998	368	15	technology	technology	NOUN
cana-998	368	16	):	):	PUNCT
cana-998	368	17	what	what	PRON
cana-998	368	18	is	be	AUX
cana-998	368	19	it	it	PRON
cana-998	368	20	and	and	CCONJ
cana-998	368	21	how	how	SCONJ
cana-998	368	22	to	to	PART
cana-998	368	23	use	use	VERB
cana-998	368	24	technologies	technology	NOUN
cana-998	368	25	to	to	PART
cana-998	368	26	create	create	VERB
cana-998	368	27	business	business	NOUN
cana-998	368	28	value	value	NOUN
cana-998	368	29	in	in	ADP
cana-998	368	30	fintech	fintech	NOUN
cana-998	368	31	way	way	NOUN
cana-998	368	32	?	?	PUNCT
cana-998	369	1	int	int	NOUN
cana-998	369	2	.	.	PUNCT
cana-998	370	1	j.	j.	PROPN
cana-998	370	2	innov	innov	PROPN
cana-998	370	3	.	.	PUNCT
cana-998	371	1	manag	manag	PROPN
cana-998	371	2	.	.	PUNCT
cana-998	372	1	technol	technol	PROPN
cana-998	372	2	.	.	PROPN
cana-998	372	3	2018	2018	NUM
cana-998	372	4	,	,	PUNCT
cana-998	372	5	9	9	NUM
cana-998	372	6	,	,	PUNCT
cana-998	372	7	74–78	74–78	NUM
cana-998	372	8	.	.	PUNCT
cana-998	373	1	[	[	X
cana-998	373	2	2	2	NUM
cana-998	373	3	]	]	X
cana-998	373	4	ryu	ryu	ADJ
cana-998	373	5	,	,	PUNCT
cana-998	373	6	h.-s	h.-	NOUN
cana-998	373	7	.	.	PUNCT
cana-998	374	1	understanding	understand	VERB
cana-998	374	2	benefit	benefit	NOUN
cana-998	374	3	and	and	CCONJ
cana-998	374	4	risk	risk	NOUN
cana-998	374	5	framework	framework	NOUN
cana-998	374	6	of	of	ADP
cana-998	374	7	fintech	fintech	NOUN
cana-998	374	8	adoption	adoption	NOUN
cana-998	374	9	:	:	PUNCT
cana-998	374	10	comparison	comparison	NOUN
cana-998	374	11	of	of	ADP
cana-998	374	12	early	early	ADJ
cana-998	374	13	adopters	adopter	NOUN
cana-998	374	14	and	and	CCONJ
cana-998	374	15	late	late	ADJ
cana-998	374	16	adopters	adopter	NOUN
cana-998	374	17	.	.	PUNCT
cana-998	375	1	in	in	ADP
cana-998	375	2	proceedings	proceeding	NOUN
cana-998	375	3	of	of	ADP
cana-998	375	4	the	the	DET
cana-998	375	5	51st	51st	ADJ
cana-998	375	6	hawaii	hawaii	PROPN
cana-998	375	7	international	international	ADJ
cana-998	375	8	conference	conference	NOUN
cana-998	375	9	on	on	ADP
cana-998	375	10	system	system	NOUN
cana-998	375	11	sciences	science	NOUN
cana-998	375	12	,	,	PUNCT
cana-998	375	13	hilton	hilton	PROPN
cana-998	375	14	waikoloa	waikoloa	PROPN
cana-998	375	15	village	village	PROPN
cana-998	375	16	,	,	PUNCT
cana-998	375	17	hi	hi	PROPN
cana-998	375	18	,	,	PUNCT
cana-998	375	19	usa	usa	PROPN
cana-998	375	20	,	,	PUNCT
cana-998	375	21	3–6	3–6	NUM
cana-998	375	22	january	january	PROPN
cana-998	375	23	2018	2018	NUM
cana-998	375	24	;	;	PUNCT
cana-998	375	25	pp	pp	NUM
cana-998	375	26	.	.	PUNCT
cana-998	376	1	3864–3873	3864–3873	NUM
cana-998	376	2	.	.	PUNCT
cana-998	376	3	available	available	ADJ
cana-998	376	4	online	online	ADV
cana-998	376	5	:	:	PUNCT
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cana-998	376	7	(	(	PUNCT
cana-998	376	8	accessed	access	VERB
cana-998	376	9	on	on	ADP
cana-998	376	10	29	29	NUM
cana-998	376	11	july	july	PROPN
cana-998	376	12	2020	2020	NUM
cana-998	376	13	)	)	PUNCT
cana-998	376	14	.	.	PUNCT
cana-998	377	1	[	[	X
cana-998	377	2	3	3	NUM
cana-998	377	3	]	]	X
cana-998	377	4	naimi	naimi	ADJ
cana-998	377	5	-	-	PUNCT
cana-998	377	6	sadigh	sadigh	ADJ
cana-998	377	7	,	,	PUNCT
cana-998	377	8	a.	a.	NOUN
cana-998	377	9	;	;	PUNCT
cana-998	377	10	asgari	asgari	PROPN
cana-998	377	11	,	,	PUNCT
cana-998	377	12	t.	t.	PROPN
cana-998	377	13	;	;	PUNCT
cana-998	377	14	rabiei	rabiei	PROPN
cana-998	377	15	,	,	PUNCT
cana-998	377	16	m.	m.	NOUN
cana-998	377	17	digital	digital	ADJ
cana-998	377	18	transformation	transformation	NOUN
cana-998	377	19	in	in	ADP
cana-998	377	20	the	the	DET
cana-998	377	21	value	value	NOUN
cana-998	377	22	chain	chain	NOUN
cana-998	377	23	disruption	disruption	NOUN
cana-998	377	24	of	of	ADP
cana-998	377	25	banking	banking	NOUN
cana-998	377	26	services	service	NOUN
cana-998	377	27	.	.	PUNCT
cana-998	378	1	j.	j.	PROPN
cana-998	378	2	knowl	knowl	PROPN
cana-998	378	3	.	.	PUNCT
cana-998	379	1	econ	econ	PROPN
cana-998	379	2	.	.	PUNCT
cana-998	380	1	2022	2022	NUM
cana-998	380	2	,	,	PUNCT
cana-998	380	3	13	13	NUM
cana-998	380	4	,	,	PUNCT
cana-998	380	5	1212–1242	1212–1242	NUM
cana-998	380	6	.	.	PUNCT
cana-998	381	1	[	[	X
cana-998	381	2	4	4	NUM
cana-998	381	3	]	]	X
cana-998	381	4	sajic	sajic	PROPN
cana-998	381	5	,	,	PUNCT
cana-998	381	6	m.	m.	NOUN
cana-998	381	7	;	;	PUNCT
cana-998	381	8	bundalo	bundalo	NOUN
cana-998	381	9	,	,	PUNCT
cana-998	381	10	d.	d.	PROPN
cana-998	381	11	;	;	PUNCT
cana-998	381	12	bundalo	bundalo	PROPN
cana-998	381	13	,	,	PUNCT
cana-998	381	14	z.	z.	PROPN
cana-998	381	15	;	;	PUNCT
cana-998	381	16	pasalic	pasalic	PROPN
cana-998	381	17	,	,	PUNCT
cana-998	381	18	d.	d.	PROPN
cana-998	381	19	digital	digital	PROPN
cana-998	381	20	technologies	technology	NOUN
cana-998	381	21	in	in	ADP
cana-998	381	22	transformation	transformation	NOUN
cana-998	381	23	of	of	ADP
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cana-998	381	25	retail	retail	ADJ
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cana-998	381	29	bank	bank	NOUN
cana-998	381	30	.	.	PUNCT
cana-998	382	1	in	in	ADP
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cana-998	382	3	of	of	ADP
cana-998	382	4	the	the	DET
cana-998	382	5	2017	2017	NUM
cana-998	382	6	25th	25th	NOUN
cana-998	382	7	telecommunication	telecommunication	NOUN
cana-998	382	8	forum	forum	NOUN
cana-998	382	9	(	(	PUNCT
cana-998	382	10	telfor	telfor	PROPN
cana-998	382	11	)	)	PUNCT
cana-998	382	12	,	,	PUNCT
cana-998	382	13	belgrade	belgrade	PROPN
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cana-998	382	15	serbia	serbia	PROPN
cana-998	382	16	,	,	PUNCT
cana-998	382	17	21–22	21–22	NUM
cana-998	382	18	november	november	PROPN
cana-998	382	19	2017	2017	NUM
cana-998	382	20	.	.	PUNCT
cana-998	383	1	[	[	X
cana-998	383	2	5	5	NUM
cana-998	383	3	]	]	PUNCT
cana-998	383	4	evdokimova	evdokimova	PROPN
cana-998	383	5	,	,	PUNCT
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cana-998	383	7	;	;	PUNCT
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cana-998	383	9	,	,	PUNCT
cana-998	383	10	o.	o.	PROPN
cana-998	383	11	;	;	PUNCT
cana-998	383	12	bondarenko	bondarenko	PROPN
cana-998	383	13	,	,	PUNCT
cana-998	383	14	a.	a.	PROPN
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cana-998	383	17	:	:	PUNCT
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cana-998	383	20	.	.	PUNCT
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cana-998	384	5	2nd	2nd	ADJ
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cana-998	384	9	on	on	ADP
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cana-998	384	11	industrialization	industrialization	NOUN
cana-998	384	12	:	:	PUNCT
cana-998	384	13	global	global	ADJ
cana-998	384	14	,	,	PUNCT
cana-998	384	15	national	national	ADJ
cana-998	384	16	,	,	PUNCT
cana-998	384	17	regional	regional	ADJ
cana-998	384	18	dimension	dimension	NOUN
cana-998	384	19	(	(	PUNCT
cana-998	384	20	sicni	sicni	ADJ
cana-998	384	21	2018	2018	NUM
cana-998	384	22	)	)	PUNCT
cana-998	384	23	,	,	PUNCT
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cana-998	384	28	4–5	4–5	PROPN
cana-998	384	29	december	december	PROPN
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cana-998	384	31	.	.	PUNCT
cana-998	385	1	[	[	X
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cana-998	385	4	ey	ey	X
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cana-998	385	6	(	(	PUNCT
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cana-998	385	8	)	)	PUNCT
cana-998	385	9	.	.	PUNCT
cana-998	386	1	global	global	ADJ
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cana-998	386	4	index	index	NOUN
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cana-998	387	7	nonlinear	nonlinear	ADJ
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cana-998	387	10	:	:	PUNCT
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cana-998	387	12	-	-	PUNCT
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cana-998	387	15	31	31	NUM
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cana-998	388	2	(	(	PUNCT
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cana-998	388	4	)	)	PUNCT
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cana-998	389	1	[	[	X
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cana-998	389	3	]	]	X
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cana-998	390	1	(	(	PUNCT
cana-998	390	2	2018	2018	NUM
cana-998	390	3	)	)	PUNCT
cana-998	390	4	.	.	PUNCT
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cana-998	391	3	companies	company	NOUN
cana-998	391	4	face	face	VERB
cana-998	391	5	while	while	SCONJ
cana-998	391	6	expanding	expand	VERB
cana-998	391	7	to	to	ADP
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cana-998	391	9	india	india	PROPN
cana-998	391	10	.	.	PUNCT
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cana-998	393	1	[	[	X
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cana-998	393	3	]	]	X
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cana-998	394	1	(	(	PUNCT
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cana-998	394	3	)	)	PUNCT
cana-998	394	4	.	.	PUNCT
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cana-998	397	6	a.	a.	PROPN
cana-998	397	7	,	,	PUNCT
cana-998	397	8	&	&	CCONJ
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cana-998	397	10	,	,	PUNCT
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cana-998	397	12	(	(	PUNCT
cana-998	397	13	2020	2020	NUM
cana-998	397	14	)	)	PUNCT
cana-998	397	15	.	.	PUNCT
cana-998	398	1	perception	perception	NOUN
cana-998	398	2	,	,	PUNCT
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cana-998	398	4	,	,	PUNCT
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cana-998	398	14	:	:	PUNCT
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cana-998	398	21	.	.	PUNCT
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cana-998	399	4	,	,	PUNCT
cana-998	399	5	6(1	6(1	NUM
cana-998	399	6	)	)	PUNCT
cana-998	399	7	,	,	PUNCT
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cana-998	399	9	.	.	PUNCT
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cana-998	399	11	.	.	PUNCT
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cana-998	400	3	]	]	X
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cana-998	400	13	(	(	PUNCT
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cana-998	400	15	)	)	PUNCT
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cana-998	401	1	a	a	DET
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cana-998	401	13	.	.	PUNCT
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cana-998	402	8	,	,	PUNCT
cana-998	402	9	118(24	118(24	NUM
cana-998	402	10	)	)	PUNCT
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cana-998	402	13	.	.	PUNCT
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cana-998	403	1	[	[	X
cana-998	403	2	11	11	NUM
cana-998	403	3	]	]	PUNCT
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cana-998	403	5	,	,	PUNCT
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cana-998	403	11	;	;	PUNCT
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cana-998	403	18	:	:	PUNCT
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cana-998	404	1	inf	inf	PROPN
cana-998	404	2	.	.	PUNCT
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cana-998	404	4	.	.	PUNCT
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cana-998	405	4	,	,	PUNCT
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cana-998	405	8	.	.	PUNCT
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cana-998	413	2	,	,	PUNCT
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cana-998	430	8	impact	impact	NOUN
cana-998	430	9	of	of	ADP
cana-998	430	10	the	the	DET
cana-998	430	11	internet	internet	NOUN
cana-998	430	12	in	in	ADP
cana-998	430	13	banking	banking	NOUN
cana-998	430	14	:	:	PUNCT
cana-998	430	15	observations	observation	NOUN
cana-998	430	16	and	and	CCONJ
cana-998	430	17	evidence	evidence	NOUN
cana-998	430	18	from	from	ADP
cana-998	430	19	developed	develop	VERB
cana-998	430	20	and	and	CCONJ
cana-998	430	21	emerging	emerge	VERB
cana-998	430	22	markets	market	NOUN
cana-998	430	23	.	.	PUNCT
cana-998	431	1	telematics	telematic	NOUN
cana-998	431	2	informatics	informatic	NOUN
cana-998	431	3	2002	2002	NUM
cana-998	431	4	,	,	PUNCT
cana-998	431	5	19	19	NUM
cana-998	431	6	,	,	PUNCT
cana-998	431	7	315–330	315–330	NUM
cana-998	431	8	.	.	PUNCT
cana-998	432	1	[	[	X
cana-998	432	2	19	19	NUM
cana-998	432	3	]	]	X
cana-998	432	4	windasari	windasari	X
cana-998	432	5	,	,	PUNCT
cana-998	432	6	n.a	n.a	PROPN
cana-998	432	7	.	.	PROPN
cana-998	432	8	;	;	PUNCT
cana-998	432	9	kusumawati	kusumawati	PROPN
cana-998	432	10	,	,	PUNCT
cana-998	432	11	n.	n.	NOUN
cana-998	432	12	;	;	PUNCT
cana-998	432	13	larasati	larasati	NOUN
cana-998	432	14	,	,	PUNCT
cana-998	432	15	n.	n.	PROPN
cana-998	432	16	;	;	PUNCT
cana-998	432	17	amelia	amelia	PROPN
cana-998	432	18	,	,	PUNCT
cana-998	432	19	r.p	r.p	PROPN
cana-998	432	20	.	.	PROPN
cana-998	432	21	digital	digital	PROPN
cana-998	432	22	-	-	PUNCT
cana-998	432	23	only	only	ADV
cana-998	432	24	banking	banking	NOUN
cana-998	432	25	experience	experience	NOUN
cana-998	432	26	:	:	PUNCT
cana-998	432	27	insights	insight	NOUN
cana-998	432	28	from	from	ADP
cana-998	432	29	gen	gen	PROPN
cana-998	432	30	y	y	PROPN
cana-998	432	31	and	and	CCONJ
cana-998	432	32	gen	gen	PROPN
cana-998	432	33	z.	z.	PROPN
cana-998	432	34	j.	j.	PROPN
cana-998	432	35	innov	innov	PROPN
cana-998	432	36	.	.	PUNCT
cana-998	433	1	knowl	knowl	PROPN
cana-998	433	2	.	.	PUNCT
cana-998	434	1	2022	2022	NUM
cana-998	434	2	,	,	PUNCT
cana-998	434	3	7	7	NUM
cana-998	434	4	,	,	PUNCT
cana-998	434	5	100170	100170	NUM
cana-998	434	6	.	.	PUNCT
cana-998	435	1	[	[	X
cana-998	435	2	20	20	NUM
cana-998	435	3	]	]	PUNCT
cana-998	435	4	seldal	seldal	ADJ
cana-998	435	5	,	,	PUNCT
cana-998	435	6	m.m.n	m.m.n	PROPN
cana-998	435	7	.	.	PUNCT
cana-998	435	8	;	;	PUNCT
cana-998	435	9	nyhus	nyhus	PROPN
cana-998	435	10	,	,	PUNCT
cana-998	435	11	e.k	e.k	PROPN
cana-998	435	12	.	.	ADJ
cana-998	435	13	financial	financial	ADJ
cana-998	435	14	vulnerability	vulnerability	NOUN
cana-998	435	15	,	,	PUNCT
cana-998	435	16	financial	financial	ADJ
cana-998	435	17	literacy	literacy	NOUN
cana-998	435	18	,	,	PUNCT
cana-998	435	19	and	and	CCONJ
cana-998	435	20	the	the	DET
cana-998	435	21	use	use	NOUN
cana-998	435	22	of	of	ADP
cana-998	435	23	digital	digital	ADJ
cana-998	435	24	payment	payment	NOUN
cana-998	435	25	technologies	technology	NOUN
cana-998	435	26	.	.	PUNCT
cana-998	436	1	j.	j.	PROPN
cana-998	436	2	consum	consum	PROPN
cana-998	436	3	.	.	PUNCT
cana-998	437	1	policy	policy	NOUN
cana-998	437	2	2022	2022	NUM
cana-998	437	3	,	,	PUNCT
cana-998	437	4	45	45	NUM
cana-998	437	5	,	,	PUNCT
cana-998	437	6	281–306	281–306	NUM
cana-998	437	7	.	.	PUNCT
cana-998	438	1	[	[	X
cana-998	438	2	21	21	NUM
cana-998	438	3	]	]	X
cana-998	438	4	suryono	suryono	PROPN
cana-998	438	5	,	,	PUNCT
cana-998	438	6	r.r	r.r	PROPN
cana-998	438	7	.	.	PROPN
cana-998	438	8	;	;	PUNCT
cana-998	438	9	budi	budi	PROPN
cana-998	438	10	,	,	PUNCT
cana-998	438	11	i.	i.	PROPN
cana-998	438	12	;	;	PUNCT
cana-998	438	13	purwandari	purwandari	NOUN
cana-998	438	14	,	,	PUNCT
cana-998	438	15	b.	b.	NOUN
cana-998	438	16	challenges	challenge	NOUN
cana-998	438	17	and	and	CCONJ
cana-998	438	18	trends	trend	NOUN
cana-998	438	19	of	of	ADP
cana-998	438	20	financial	financial	ADJ
cana-998	438	21	technology	technology	NOUN
cana-998	438	22	(	(	PUNCT
cana-998	438	23	fintech	fintech	NOUN
cana-998	438	24	):	):	PUNCT
cana-998	438	25	a	a	DET
cana-998	438	26	systematic	systematic	ADJ
cana-998	438	27	literature	literature	NOUN
cana-998	438	28	review	review	NOUN
cana-998	438	29	.	.	PUNCT
cana-998	439	1	information	information	NOUN
cana-998	439	2	2020	2020	NUM
cana-998	439	3	,	,	PUNCT
cana-998	439	4	11	11	NUM
cana-998	439	5	,	,	PUNCT
cana-998	439	6	590	590	NUM
cana-998	439	7	.	.	PUNCT
cana-998	440	1	[	[	X
cana-998	440	2	22	22	NUM
cana-998	440	3	]	]	PUNCT
cana-998	440	4	abdul	abdul	PROPN
cana-998	440	5	-	-	PUNCT
cana-998	440	6	rahim	rahim	PROPN
cana-998	440	7	,	,	PUNCT
cana-998	440	8	r.	r.	PROPN
cana-998	440	9	;	;	PUNCT
cana-998	440	10	bohari	bohari	PROPN
cana-998	440	11	,	,	PUNCT
cana-998	440	12	s.a	s.a	PROPN
cana-998	440	13	.	.	PROPN
cana-998	440	14	;	;	PUNCT
cana-998	440	15	aman	aman	NOUN
cana-998	440	16	,	,	PUNCT
cana-998	440	17	a.	a.	NOUN
cana-998	440	18	;	;	PUNCT
cana-998	440	19	awang	awang	PROPN
cana-998	440	20	,	,	PUNCT
cana-998	440	21	z.	z.	PROPN
cana-998	440	22	benefit	benefit	PROPN
cana-998	440	23	–	–	PUNCT
cana-998	440	24	risk	risk	NOUN
cana-998	440	25	perceptions	perception	NOUN
cana-998	440	26	of	of	ADP
cana-998	440	27	fintech	fintech	NOUN
cana-998	440	28	adoption	adoption	NOUN
cana-998	440	29	for	for	ADP
cana-998	440	30	sustainability	sustainability	NOUN
cana-998	440	31	from	from	ADP
cana-998	440	32	bank	bank	NOUN
cana-998	440	33	consumers	consumer	NOUN
cana-998	440	34	’	'	PUNCT
cana-998	440	35	perspective	perspective	NOUN
cana-998	440	36	:	:	PUNCT
cana-998	440	37	the	the	DET
cana-998	440	38	moderating	moderate	VERB
cana-998	440	39	role	role	NOUN
cana-998	440	40	of	of	ADP
cana-998	440	41	fear	fear	NOUN
cana-998	440	42	of	of	ADP
cana-998	440	43	covid-19	covid-19	PROPN
cana-998	440	44	.	.	PUNCT
cana-998	440	45	sustainability	sustainability	NOUN
cana-998	440	46	2022	2022	NUM
cana-998	440	47	,	,	PUNCT
cana-998	440	48	14	14	NUM
cana-998	440	49	,	,	PUNCT
cana-998	440	50	8357	8357	NUM
cana-998	440	51	.	.	PUNCT