id	sid	tid	token	lemma	pos
easat-10376	1	1	edelweiss	edelweiss	PROPN
easat-10376	1	2	applied	apply	VERB
easat-10376	1	3	science	science	NOUN
easat-10376	1	4	and	and	CCONJ
easat-10376	1	5	technology	technology	NOUN
easat-10376	1	6	issn	issn	PROPN
easat-10376	1	7	:	:	PUNCT
easat-10376	1	8	2576	2576	NUM
easat-10376	1	9	-	-	SYM
easat-10376	1	10	8484	8484	NUM
easat-10376	1	11	vol	vol	NOUN
easat-10376	1	12	.	.	PROPN
easat-10376	2	1	9	9	NUM
easat-10376	2	2	,	,	PUNCT
easat-10376	2	3	no	no	INTJ
easat-10376	2	4	.	.	NOUN
easat-10376	2	5	10	10	NUM
easat-10376	2	6	,	,	PUNCT
easat-10376	2	7	160	160	NUM
easat-10376	2	8	-	-	SYM
easat-10376	2	9	169	169	NUM
easat-10376	2	10	2025	2025	NUM
easat-10376	2	11	publisher	publisher	NOUN
easat-10376	2	12	:	:	PUNCT
easat-10376	2	13	learning	learn	VERB
easat-10376	2	14	gate	gate	NOUN
easat-10376	2	15	doi	doi	PROPN
easat-10376	2	16	:	:	PUNCT
easat-10376	2	17	10.55214/2576	10.55214/2576	NUM
easat-10376	2	18	-	-	PUNCT
easat-10376	2	19	8484.v9i10.10376	8484.v9i10.10376	NUM
easat-10376	2	20	©	©	PROPN
easat-10376	2	21	2025	2025	NUM
easat-10376	2	22	by	by	ADP
easat-10376	2	23	the	the	DET
easat-10376	2	24	authors	author	NOUN
easat-10376	2	25	;	;	PUNCT
easat-10376	3	1	licensee	licensee	PROPN
easat-10376	3	2	learning	learning	NOUN
easat-10376	3	3	gate	gate	NOUN
easat-10376	3	4	©	©	PROPN
easat-10376	3	5	2025	2025	NUM
easat-10376	3	6	by	by	ADP
easat-10376	3	7	the	the	DET
easat-10376	3	8	authors	author	NOUN
easat-10376	3	9	;	;	PUNCT
easat-10376	3	10	licensee	licensee	PROPN
easat-10376	3	11	learning	learning	NOUN
easat-10376	3	12	gate	gate	NOUN
easat-10376	3	13	history	history	NOUN
easat-10376	3	14	:	:	PUNCT
easat-10376	3	15	received	receive	VERB
easat-10376	3	16	:	:	PUNCT
easat-10376	3	17	8	8	NUM
easat-10376	3	18	august	august	PROPN
easat-10376	3	19	2025	2025	NUM
easat-10376	3	20	;	;	PUNCT
easat-10376	3	21	revised	revise	VERB
easat-10376	3	22	:	:	PUNCT
easat-10376	3	23	11	11	NUM
easat-10376	3	24	september	september	PROPN
easat-10376	3	25	2025	2025	NUM
easat-10376	3	26	;	;	PUNCT
easat-10376	3	27	accepted	accept	VERB
easat-10376	3	28	:	:	PUNCT
easat-10376	3	29	15	15	NUM
easat-10376	3	30	september	september	PROPN
easat-10376	3	31	2025	2025	NUM
easat-10376	3	32	;	;	PUNCT
easat-10376	3	33	published	publish	VERB
easat-10376	3	34	:	:	PUNCT
easat-10376	3	35	6	6	NUM
easat-10376	3	36	october	october	NOUN
easat-10376	3	37	2025	2025	NUM
easat-10376	3	38	*	*	PUNCT
easat-10376	3	39	correspondence	correspondence	NOUN
easat-10376	3	40	:	:	PUNCT
easat-10376	3	41	m.abdullahidrees91@gmail.com	m.abdullahidrees91@gmail.com	X
easat-10376	3	42	fintech	fintech	NOUN
easat-10376	3	43	and	and	CCONJ
easat-10376	3	44	financial	financial	ADJ
easat-10376	3	45	inclusion	inclusion	NOUN
easat-10376	3	46	in	in	ADP
easat-10376	3	47	pakistan	pakistan	PROPN
easat-10376	3	48	:	:	PUNCT
easat-10376	3	49	investigating	investigate	VERB
easat-10376	3	50	the	the	DET
easat-10376	3	51	mediating	mediate	VERB
easat-10376	3	52	role	role	NOUN
easat-10376	3	53	of	of	ADP
easat-10376	3	54	digital	digital	ADJ
easat-10376	3	55	financial	financial	ADJ
easat-10376	3	56	literacy	literacy	NOUN
easat-10376	3	57	and	and	CCONJ
easat-10376	3	58	the	the	DET
easat-10376	3	59	moderating	moderate	VERB
easat-10376	3	60	effect	effect	NOUN
easat-10376	3	61	of	of	ADP
easat-10376	3	62	perceived	perceive	VERB
easat-10376	3	63	regulatory	regulatory	ADJ
easat-10376	3	64	support	support	NOUN
easat-10376	3	65	muhammad	muhammad	PROPN
easat-10376	3	66	abdullah	abdullah	PROPN
easat-10376	3	67	idrees1	idrees1	PROPN
easat-10376	3	68	*	*	PROPN
easat-10376	3	69	,	,	PUNCT
easat-10376	3	70	assim	assim	PROPN
easat-10376	3	71	ibrahim	ibrahim	PROPN
easat-10376	3	72	mohammad	mohammad	PROPN
easat-10376	3	73	abdel	abdel	PROPN
easat-10376	3	74	-	-	PUNCT
easat-10376	3	75	razzaq2	razzaq2	PROPN
easat-10376	3	76	,	,	PUNCT
easat-10376	4	1	abdul	abdul	PROPN
easat-10376	4	2	ghaffar3	ghaffar3	PROPN
easat-10376	4	3	1salim	1salim	NUM
easat-10376	4	4	habib	habib	PROPN
easat-10376	4	5	university	university	PROPN
easat-10376	4	6	,	,	PUNCT
easat-10376	4	7	karachi	karachi	PROPN
easat-10376	4	8	,	,	PUNCT
easat-10376	4	9	pakistan	pakistan	PROPN
easat-10376	4	10	;	;	PUNCT
easat-10376	4	11	m.abdullahidrees91@gmail.com	m.abdullahidrees91@gmail.com	PROPN
easat-10376	4	12	(	(	PUNCT
easat-10376	4	13	m.a.i	m.a.i	PROPN
easat-10376	4	14	.	.	PUNCT
easat-10376	4	15	)	)	PUNCT
easat-10376	4	16	.	.	PUNCT
easat-10376	5	1	2prince	2prince	NUM
easat-10376	5	2	mohammad	mohammad	PROPN
easat-10376	5	3	bin	bin	PROPN
easat-10376	5	4	fahd	fahd	PROPN
easat-10376	5	5	university	university	PROPN
easat-10376	5	6	al	al	PROPN
easat-10376	5	7	khobar	khobar	PROPN
easat-10376	5	8	,	,	PUNCT
easat-10376	5	9	kingdom	kingdom	NOUN
easat-10376	5	10	of	of	ADP
easat-10376	5	11	saudi	saudi	PROPN
easat-10376	5	12	arabia	arabia	PROPN
easat-10376	5	13	;	;	PUNCT
easat-10376	5	14	aabdelrazzaq@pmu.edu.sa	aabdelrazzaq@pmu.edu.sa	PROPN
easat-10376	5	15	(	(	PUNCT
easat-10376	5	16	a.i.m.a.r	a.i.m.a.r	PROPN
easat-10376	5	17	.	.	PUNCT
easat-10376	5	18	)	)	PUNCT
easat-10376	5	19	.	.	PUNCT
easat-10376	6	1	3bahria	3bahria	NUM
easat-10376	6	2	university	university	NOUN
easat-10376	6	3	,	,	PUNCT
easat-10376	6	4	karachi	karachi	PROPN
easat-10376	6	5	,	,	PUNCT
easat-10376	6	6	pakistan	pakistan	PROPN
easat-10376	6	7	;	;	PUNCT
easat-10376	6	8	abdulghaffar.bukc@bahria.edu.pk	abdulghaffar.bukc@bahria.edu.pk	PROPN
easat-10376	6	9	(	(	PUNCT
easat-10376	6	10	a.g	a.g	PROPN
easat-10376	6	11	.	.	PROPN
easat-10376	6	12	)	)	PUNCT
easat-10376	6	13	.	.	PUNCT
easat-10376	7	1	abstract	abstract	ADJ
easat-10376	7	2	:	:	PUNCT
easat-10376	7	3	fintech	fintech	NOUN
easat-10376	7	4	enhances	enhance	VERB
easat-10376	7	5	financial	financial	ADJ
easat-10376	7	6	inclusion	inclusion	NOUN
easat-10376	7	7	by	by	ADP
easat-10376	7	8	providing	provide	VERB
easat-10376	7	9	easy	easy	ADJ
easat-10376	7	10	access	access	NOUN
easat-10376	7	11	to	to	ADP
easat-10376	7	12	financial	financial	ADJ
easat-10376	7	13	services	service	NOUN
easat-10376	7	14	and	and	CCONJ
easat-10376	7	15	affordability	affordability	NOUN
easat-10376	7	16	for	for	ADP
easat-10376	7	17	the	the	DET
easat-10376	7	18	unbanked	unbanked	ADJ
easat-10376	7	19	population	population	NOUN
easat-10376	7	20	.	.	PUNCT
easat-10376	8	1	this	this	DET
easat-10376	8	2	study	study	NOUN
easat-10376	8	3	aims	aim	VERB
easat-10376	8	4	to	to	PART
easat-10376	8	5	examine	examine	VERB
easat-10376	8	6	how	how	SCONJ
easat-10376	8	7	the	the	DET
easat-10376	8	8	use	use	NOUN
easat-10376	8	9	of	of	ADP
easat-10376	8	10	fintech	fintech	NOUN
easat-10376	8	11	promotes	promote	VERB
easat-10376	8	12	financial	financial	ADJ
easat-10376	8	13	inclusion	inclusion	NOUN
easat-10376	8	14	in	in	ADP
easat-10376	8	15	pakistan	pakistan	PROPN
easat-10376	8	16	,	,	PUNCT
easat-10376	8	17	considering	consider	VERB
easat-10376	8	18	digital	digital	ADJ
easat-10376	8	19	financial	financial	ADJ
easat-10376	8	20	literacy	literacy	NOUN
easat-10376	8	21	as	as	ADP
easat-10376	8	22	an	an	DET
easat-10376	8	23	influencing	influence	VERB
easat-10376	8	24	variable	variable	NOUN
easat-10376	8	25	and	and	CCONJ
easat-10376	8	26	perceptions	perception	NOUN
easat-10376	8	27	of	of	ADP
easat-10376	8	28	support	support	NOUN
easat-10376	8	29	from	from	ADP
easat-10376	8	30	financial	financial	ADJ
easat-10376	8	31	regulations	regulation	NOUN
easat-10376	8	32	as	as	ADP
easat-10376	8	33	a	a	DET
easat-10376	8	34	moderating	moderate	VERB
easat-10376	8	35	factor	factor	NOUN
easat-10376	8	36	.	.	PUNCT
easat-10376	9	1	the	the	DET
easat-10376	9	2	research	research	NOUN
easat-10376	9	3	investigates	investigate	VERB
easat-10376	9	4	individual	individual	ADJ
easat-10376	9	5	adoption	adoption	NOUN
easat-10376	9	6	of	of	ADP
easat-10376	9	7	fintech	fintech	NOUN
easat-10376	9	8	and	and	CCONJ
easat-10376	9	9	the	the	DET
easat-10376	9	10	benefits	benefit	NOUN
easat-10376	9	11	of	of	ADP
easat-10376	9	12	easier	easy	ADJ
easat-10376	9	13	access	access	NOUN
easat-10376	9	14	to	to	ADP
easat-10376	9	15	official	official	ADJ
easat-10376	9	16	financial	financial	ADJ
easat-10376	9	17	services	service	NOUN
easat-10376	9	18	.	.	PUNCT
easat-10376	10	1	data	datum	NOUN
easat-10376	10	2	was	be	AUX
easat-10376	10	3	collected	collect	VERB
easat-10376	10	4	from	from	ADP
easat-10376	10	5	600	600	NUM
easat-10376	10	6	users	user	NOUN
easat-10376	10	7	of	of	ADP
easat-10376	10	8	financial	financial	ADJ
easat-10376	10	9	technology	technology	NOUN
easat-10376	10	10	in	in	ADP
easat-10376	10	11	pakistan	pakistan	PROPN
easat-10376	10	12	and	and	CCONJ
easat-10376	10	13	analyzed	analyze	VERB
easat-10376	10	14	using	use	VERB
easat-10376	10	15	pls	pls	NOUN
easat-10376	10	16	-	-	PUNCT
easat-10376	10	17	sem	sem	NOUN
easat-10376	10	18	.	.	PUNCT
easat-10376	11	1	the	the	DET
easat-10376	11	2	findings	finding	NOUN
easat-10376	11	3	indicate	indicate	VERB
easat-10376	11	4	that	that	DET
easat-10376	11	5	trust	trust	NOUN
easat-10376	11	6	,	,	PUNCT
easat-10376	11	7	quality	quality	NOUN
easat-10376	11	8	of	of	ADP
easat-10376	11	9	service	service	NOUN
easat-10376	11	10	,	,	PUNCT
easat-10376	11	11	and	and	CCONJ
easat-10376	11	12	security	security	NOUN
easat-10376	11	13	positively	positively	ADV
easat-10376	11	14	influence	influence	NOUN
easat-10376	11	15	fintech	fintech	NOUN
easat-10376	11	16	usage	usage	NOUN
easat-10376	11	17	in	in	ADP
easat-10376	11	18	pakistan	pakistan	PROPN
easat-10376	11	19	.	.	PUNCT
easat-10376	12	1	fintech	fintech	NOUN
easat-10376	12	2	facilitates	facilitate	VERB
easat-10376	12	3	greater	great	ADJ
easat-10376	12	4	participation	participation	NOUN
easat-10376	12	5	of	of	ADP
easat-10376	12	6	underserved	underserved	ADJ
easat-10376	12	7	communities	community	NOUN
easat-10376	12	8	in	in	ADP
easat-10376	12	9	financial	financial	ADJ
easat-10376	12	10	services	service	NOUN
easat-10376	12	11	by	by	ADP
easat-10376	12	12	reducing	reduce	VERB
easat-10376	12	13	access	access	NOUN
easat-10376	12	14	costs	cost	NOUN
easat-10376	12	15	.	.	PUNCT
easat-10376	13	1	the	the	DET
easat-10376	13	2	study	study	NOUN
easat-10376	13	3	demonstrates	demonstrate	VERB
easat-10376	13	4	that	that	SCONJ
easat-10376	13	5	digital	digital	ADJ
easat-10376	13	6	financial	financial	ADJ
easat-10376	13	7	literacy	literacy	NOUN
easat-10376	13	8	bridges	bridge	NOUN
easat-10376	13	9	the	the	DET
easat-10376	13	10	gap	gap	NOUN
easat-10376	13	11	between	between	ADP
easat-10376	13	12	financial	financial	ADJ
easat-10376	13	13	technology	technology	NOUN
easat-10376	13	14	and	and	CCONJ
easat-10376	13	15	broader	broad	ADJ
easat-10376	13	16	financial	financial	ADJ
easat-10376	13	17	inclusion	inclusion	NOUN
easat-10376	13	18	,	,	PUNCT
easat-10376	13	19	with	with	ADP
easat-10376	13	20	perceptions	perception	NOUN
easat-10376	13	21	of	of	ADP
easat-10376	13	22	supportive	supportive	ADJ
easat-10376	13	23	regulations	regulation	NOUN
easat-10376	13	24	further	far	ADV
easat-10376	13	25	strengthening	strengthen	VERB
easat-10376	13	26	this	this	DET
easat-10376	13	27	relationship	relationship	NOUN
easat-10376	13	28	.	.	PUNCT
easat-10376	14	1	these	these	DET
easat-10376	14	2	insights	insight	NOUN
easat-10376	14	3	provide	provide	VERB
easat-10376	14	4	valuable	valuable	ADJ
easat-10376	14	5	guidance	guidance	NOUN
easat-10376	14	6	for	for	ADP
easat-10376	14	7	policymakers	policymaker	NOUN
easat-10376	14	8	,	,	PUNCT
easat-10376	14	9	regulators	regulator	NOUN
easat-10376	14	10	,	,	PUNCT
easat-10376	14	11	and	and	CCONJ
easat-10376	14	12	fintech	fintech	NOUN
easat-10376	14	13	businesses	business	NOUN
easat-10376	14	14	operating	operate	VERB
easat-10376	14	15	in	in	ADP
easat-10376	14	16	pakistan	pakistan	PROPN
easat-10376	14	17	.	.	PUNCT
easat-10376	15	1	keywords	keyword	NOUN
easat-10376	15	2	:	:	PUNCT
easat-10376	15	3	digital	digital	ADJ
easat-10376	15	4	financial	financial	ADJ
easat-10376	15	5	literacy	literacy	NOUN
easat-10376	15	6	,	,	PUNCT
easat-10376	15	7	financial	financial	ADJ
easat-10376	15	8	inclusion	inclusion	NOUN
easat-10376	15	9	,	,	PUNCT
easat-10376	15	10	fintech	fintech	NOUN
easat-10376	15	11	,	,	PUNCT
easat-10376	15	12	perceived	perceive	VERB
easat-10376	15	13	regulatory	regulatory	ADJ
easat-10376	15	14	support	support	NOUN
easat-10376	15	15	.	.	PUNCT
easat-10376	16	1	1	1	X
easat-10376	16	2	.	.	X
easat-10376	16	3	introduction	introduction	NOUN
easat-10376	16	4	although	although	SCONJ
easat-10376	16	5	there	there	PRON
easat-10376	16	6	have	have	AUX
easat-10376	16	7	been	be	AUX
easat-10376	16	8	important	important	ADJ
easat-10376	16	9	improvements	improvement	NOUN
easat-10376	16	10	in	in	ADP
easat-10376	16	11	pakistan	pakistan	PROPN
easat-10376	16	12	’s	’s	PART
easat-10376	16	13	financial	financial	ADJ
easat-10376	16	14	sector	sector	NOUN
easat-10376	16	15	,	,	PUNCT
easat-10376	16	16	a	a	DET
easat-10376	16	17	large	large	ADJ
easat-10376	16	18	number	number	NOUN
easat-10376	16	19	of	of	ADP
easat-10376	16	20	people	people	NOUN
easat-10376	16	21	are	be	AUX
easat-10376	16	22	still	still	ADV
easat-10376	16	23	excluded	exclude	VERB
easat-10376	16	24	from	from	ADP
easat-10376	16	25	official	official	ADJ
easat-10376	16	26	finance	finance	NOUN
easat-10376	16	27	.	.	PUNCT
easat-10376	17	1	many	many	ADJ
easat-10376	17	2	individuals	individual	NOUN
easat-10376	17	3	in	in	ADP
easat-10376	17	4	remote	remote	ADJ
easat-10376	17	5	rural	rural	ADJ
easat-10376	17	6	and	and	CCONJ
easat-10376	17	7	less	less	ADV
easat-10376	17	8	developed	develop	VERB
easat-10376	17	9	areas	area	NOUN
easat-10376	17	10	struggle	struggle	VERB
easat-10376	17	11	to	to	PART
easat-10376	17	12	access	access	VERB
easat-10376	17	13	basic	basic	ADJ
easat-10376	17	14	financial	financial	ADJ
easat-10376	17	15	services	service	NOUN
easat-10376	17	16	.	.	PUNCT
easat-10376	18	1	the	the	DET
easat-10376	18	2	report	report	NOUN
easat-10376	18	3	from	from	ADP
easat-10376	18	4	the	the	DET
easat-10376	18	5	world	world	NOUN
easat-10376	18	6	bank	bank	NOUN
easat-10376	18	7	in	in	ADP
easat-10376	18	8	2021	2021	NUM
easat-10376	18	9	emphasizes	emphasize	VERB
easat-10376	18	10	that	that	SCONJ
easat-10376	18	11	this	this	DET
easat-10376	18	12	problem	problem	NOUN
easat-10376	18	13	persists	persist	VERB
easat-10376	18	14	and	and	CCONJ
easat-10376	18	15	that	that	SCONJ
easat-10376	18	16	new	new	ADJ
easat-10376	18	17	,	,	PUNCT
easat-10376	18	18	local	local	ADJ
easat-10376	18	19	solutions	solution	NOUN
easat-10376	18	20	are	be	AUX
easat-10376	18	21	absolutely	absolutely	ADV
easat-10376	18	22	necessary	necessary	ADJ
easat-10376	18	23	[	[	X
easat-10376	18	24	1	1	NUM
easat-10376	18	25	]	]	PUNCT
easat-10376	18	26	.	.	PUNCT
easat-10376	19	1	using	use	VERB
easat-10376	19	2	fintech	fintech	NOUN
easat-10376	19	3	’s	’s	PART
easat-10376	19	4	digital	digital	ADJ
easat-10376	19	5	technology	technology	NOUN
easat-10376	19	6	is	be	AUX
easat-10376	19	7	now	now	ADV
easat-10376	19	8	widely	widely	ADV
easat-10376	19	9	believed	believe	VERB
easat-10376	19	10	to	to	PART
easat-10376	19	11	help	help	VERB
easat-10376	19	12	bridge	bridge	VERB
easat-10376	19	13	the	the	DET
easat-10376	19	14	gaps	gap	NOUN
easat-10376	19	15	between	between	ADP
easat-10376	19	16	those	those	PRON
easat-10376	19	17	who	who	PRON
easat-10376	19	18	have	have	VERB
easat-10376	19	19	access	access	NOUN
easat-10376	19	20	to	to	ADP
easat-10376	19	21	services	service	NOUN
easat-10376	19	22	and	and	CCONJ
easat-10376	19	23	those	those	PRON
easat-10376	19	24	who	who	PRON
easat-10376	19	25	do	do	VERB
easat-10376	19	26	not	not	PART
easat-10376	19	27	[	[	X
easat-10376	19	28	2	2	NUM
easat-10376	19	29	,	,	PUNCT
easat-10376	19	30	3	3	NUM
easat-10376	19	31	]	]	PUNCT
easat-10376	19	32	.	.	PUNCT
easat-10376	20	1	by	by	ADP
easat-10376	20	2	using	use	VERB
easat-10376	20	3	smartphones	smartphone	NOUN
easat-10376	20	4	and	and	CCONJ
easat-10376	20	5	apps	app	NOUN
easat-10376	20	6	,	,	PUNCT
easat-10376	20	7	the	the	DET
easat-10376	20	8	fintech	fintech	NOUN
easat-10376	20	9	sector	sector	NOUN
easat-10376	20	10	in	in	ADP
easat-10376	20	11	pakistan	pakistan	PROPN
easat-10376	20	12	offers	offer	VERB
easat-10376	20	13	people	people	NOUN
easat-10376	20	14	new	new	ADJ
easat-10376	20	15	,	,	PUNCT
easat-10376	20	16	convenient	convenient	ADJ
easat-10376	20	17	,	,	PUNCT
easat-10376	20	18	and	and	CCONJ
easat-10376	20	19	safe	safe	ADJ
easat-10376	20	20	ways	way	NOUN
easat-10376	20	21	to	to	PART
easat-10376	20	22	manage	manage	VERB
easat-10376	20	23	their	their	PRON
easat-10376	20	24	finances	finance	NOUN
easat-10376	20	25	.	.	PUNCT
easat-10376	21	1	apps	app	NOUN
easat-10376	21	2	for	for	ADP
easat-10376	21	3	mobile	mobile	ADJ
easat-10376	21	4	banking	banking	NOUN
easat-10376	21	5	,	,	PUNCT
easat-10376	21	6	mobile	mobile	ADJ
easat-10376	21	7	wallets	wallet	NOUN
easat-10376	21	8	,	,	PUNCT
easat-10376	21	9	and	and	CCONJ
easat-10376	21	10	services	service	NOUN
easat-10376	21	11	where	where	SCONJ
easat-10376	21	12	people	people	NOUN
easat-10376	21	13	can	can	AUX
easat-10376	21	14	lend	lend	VERB
easat-10376	21	15	and	and	CCONJ
easat-10376	21	16	borrow	borrow	VERB
easat-10376	21	17	money	money	NOUN
easat-10376	21	18	from	from	ADP
easat-10376	21	19	each	each	DET
easat-10376	21	20	other	other	ADJ
easat-10376	21	21	have	have	AUX
easat-10376	21	22	become	become	VERB
easat-10376	21	23	popular	popular	ADJ
easat-10376	21	24	,	,	PUNCT
easat-10376	21	25	mainly	mainly	ADV
easat-10376	21	26	with	with	ADP
easat-10376	21	27	young	young	ADJ
easat-10376	21	28	people	people	NOUN
easat-10376	21	29	and	and	CCONJ
easat-10376	21	30	those	those	PRON
easat-10376	21	31	without	without	ADP
easat-10376	21	32	a	a	DET
easat-10376	21	33	regular	regular	ADJ
easat-10376	21	34	bank	bank	NOUN
easat-10376	21	35	account	account	NOUN
easat-10376	21	36	[	[	X
easat-10376	21	37	4	4	NUM
easat-10376	21	38	]	]	PUNCT
easat-10376	21	39	.	.	PUNCT
easat-10376	22	1	they	they	PRON
easat-10376	22	2	not	not	PART
easat-10376	22	3	only	only	ADV
easat-10376	22	4	cost	cost	VERB
easat-10376	22	5	less	less	ADJ
easat-10376	22	6	than	than	ADP
easat-10376	22	7	old	old	ADJ
easat-10376	22	8	-	-	PUNCT
easat-10376	22	9	fashioned	fashioned	ADJ
easat-10376	22	10	services	service	NOUN
easat-10376	22	11	but	but	CCONJ
easat-10376	22	12	also	also	ADV
easat-10376	22	13	eliminate	eliminate	VERB
easat-10376	22	14	the	the	DET
easat-10376	22	15	need	need	NOUN
easat-10376	22	16	to	to	PART
easat-10376	22	17	travel	travel	VERB
easat-10376	22	18	to	to	ADP
easat-10376	22	19	a	a	DET
easat-10376	22	20	bank	bank	NOUN
easat-10376	22	21	in	in	ADP
easat-10376	22	22	person	person	NOUN
easat-10376	22	23	,	,	PUNCT
easat-10376	22	24	making	make	VERB
easat-10376	22	25	them	they	PRON
easat-10376	22	26	very	very	ADV
easat-10376	22	27	important	important	ADJ
easat-10376	22	28	for	for	ADP
easat-10376	22	29	people	people	NOUN
easat-10376	22	30	living	live	VERB
easat-10376	22	31	far	far	ADV
easat-10376	22	32	from	from	ADP
easat-10376	22	33	branches	branch	NOUN
easat-10376	22	34	or	or	CCONJ
easat-10376	22	35	who	who	PRON
easat-10376	22	36	can	can	AUX
easat-10376	22	37	not	not	PART
easat-10376	22	38	use	use	VERB
easat-10376	22	39	traditional	traditional	ADJ
easat-10376	22	40	services	service	NOUN
easat-10376	22	41	[	[	X
easat-10376	22	42	5	5	NUM
easat-10376	22	43	]	]	PUNCT
easat-10376	22	44	.	.	PUNCT
easat-10376	23	1	lately	lately	ADV
easat-10376	23	2	,	,	PUNCT
easat-10376	23	3	the	the	DET
easat-10376	23	4	government	government	NOUN
easat-10376	23	5	in	in	ADP
easat-10376	23	6	pakistan	pakistan	PROPN
easat-10376	23	7	has	have	AUX
easat-10376	23	8	acknowledged	acknowledge	VERB
easat-10376	23	9	that	that	SCONJ
easat-10376	23	10	fintech	fintech	NOUN
easat-10376	23	11	is	be	AUX
easat-10376	23	12	capable	capable	ADJ
easat-10376	23	13	of	of	ADP
easat-10376	23	14	providing	provide	VERB
easat-10376	23	15	financial	financial	ADJ
easat-10376	23	16	opportunities	opportunity	NOUN
easat-10376	23	17	to	to	ADP
easat-10376	23	18	more	more	ADJ
easat-10376	23	19	people	people	NOUN
easat-10376	23	20	.	.	PUNCT
easat-10376	24	1	with	with	ADP
easat-10376	24	2	raast	raast	NOUN
easat-10376	24	3	and	and	CCONJ
easat-10376	24	4	digital	digital	ADJ
easat-10376	24	5	onboarding	onboarding	NOUN
easat-10376	24	6	regulations	regulation	NOUN
easat-10376	24	7	in	in	ADP
easat-10376	24	8	place	place	NOUN
easat-10376	24	9	,	,	PUNCT
easat-10376	24	10	people	people	NOUN
easat-10376	24	11	are	be	AUX
easat-10376	24	12	embracing	embrace	VERB
easat-10376	24	13	digital	digital	ADJ
easat-10376	24	14	financial	financial	ADJ
easat-10376	24	15	services	service	NOUN
easat-10376	24	16	faster	fast	ADV
easat-10376	24	17	than	than	ADP
easat-10376	24	18	before	before	ADV
easat-10376	24	19	.	.	PUNCT
easat-10376	25	1	nevertheless	nevertheless	ADV
easat-10376	25	2	,	,	PUNCT
easat-10376	25	3	there	there	PRON
easat-10376	25	4	are	be	VERB
easat-10376	25	5	still	still	ADV
easat-10376	25	6	issues	issue	NOUN
easat-10376	25	7	to	to	PART
easat-10376	25	8	overcome	overcome	VERB
easat-10376	25	9	.	.	PUNCT
easat-10376	26	1	people	people	NOUN
easat-10376	26	2	using	use	VERB
easat-10376	26	3	the	the	DET
easat-10376	26	4	internet	internet	NOUN
easat-10376	26	5	are	be	AUX
easat-10376	26	6	still	still	ADV
easat-10376	26	7	dealing	deal	VERB
easat-10376	26	8	with	with	ADP
easat-10376	26	9	issues	issue	NOUN
easat-10376	26	10	like	like	ADP
easat-10376	26	11	digital	digital	ADJ
easat-10376	26	12	fraud	fraud	NOUN
easat-10376	26	13	,	,	PUNCT
easat-10376	26	14	problems	problem	NOUN
easat-10376	26	15	with	with	ADP
easat-10376	26	16	privacy	privacy	NOUN
easat-10376	26	17	,	,	PUNCT
easat-10376	26	18	and	and	CCONJ
easat-10376	26	19	uncertain	uncertain	ADJ
easat-10376	26	20	regulations	regulation	NOUN
easat-10376	26	21	[	[	X
easat-10376	26	22	6	6	NUM
easat-10376	26	23	,	,	PUNCT
easat-10376	26	24	7	7	NUM
easat-10376	26	25	]	]	PUNCT
easat-10376	26	26	.	.	PUNCT
easat-10376	27	1	since	since	SCONJ
easat-10376	27	2	these	these	DET
easat-10376	27	3	risks	risk	NOUN
easat-10376	27	4	are	be	AUX
easat-10376	27	5	present	present	ADJ
easat-10376	27	6	,	,	PUNCT
easat-10376	27	7	using	use	VERB
easat-10376	27	8	digital	digital	ADJ
easat-10376	27	9	financial	financial	ADJ
easat-10376	27	10	literacy	literacy	NOUN
easat-10376	27	11	safely	safely	ADV
easat-10376	27	12	and	and	CCONJ
easat-10376	27	13	properly	properly	ADV
easat-10376	27	14	has	have	AUX
easat-10376	27	15	become	become	VERB
easat-10376	27	16	necessary	necessary	ADJ
easat-10376	27	17	[	[	X
easat-10376	27	18	8	8	NUM
easat-10376	27	19	]	]	PUNCT
easat-10376	27	20	.	.	PUNCT
easat-10376	28	1	one	one	PRON
easat-10376	28	2	should	should	AUX
easat-10376	28	3	understand	understand	VERB
easat-10376	28	4	the	the	DET
easat-10376	28	5	difference	difference	NOUN
easat-10376	28	6	between	between	ADP
easat-10376	28	7	financial	financial	ADJ
easat-10376	28	8	literacy	literacy	NOUN
easat-10376	28	9	(	(	PUNCT
easat-10376	28	10	an	an	DET
easat-10376	28	11	overview	overview	NOUN
easat-10376	28	12	of	of	ADP
easat-10376	28	13	financial	financial	ADJ
easat-10376	28	14	matters	matter	NOUN
easat-10376	28	15	)	)	PUNCT
easat-10376	28	16	and	and	CCONJ
easat-10376	28	17	digital	digital	ADJ
easat-10376	28	18	financial	financial	ADJ
easat-10376	28	19	literacy	literacy	NOUN
easat-10376	28	20	,	,	PUNCT
easat-10376	28	21	which	which	PRON
easat-10376	28	22	relates	relate	VERB
easat-10376	28	23	to	to	ADP
easat-10376	28	24	the	the	DET
easat-10376	28	25	knowledge	knowledge	NOUN
easat-10376	28	26	and	and	CCONJ
easat-10376	28	27	skills	skill	NOUN
easat-10376	28	28	to	to	PART
easat-10376	28	29	handle	handle	VERB
easat-10376	28	30	digital	digital	ADJ
easat-10376	28	31	finance	finance	NOUN
easat-10376	28	32	[	[	X
easat-10376	28	33	9	9	NUM
easat-10376	28	34	,	,	PUNCT
easat-10376	28	35	10	10	NUM
easat-10376	28	36	]	]	PUNCT
easat-10376	28	37	.	.	PUNCT
easat-10376	29	1	https://orcid.org/0000-0001-5382-2954	https://orcid.org/0000-0001-5382-2954	AUX
easat-10376	29	2	https://orcid.org/0000-0002-4048-2783	https://orcid.org/0000-0002-4048-2783	VERB
easat-10376	29	3	161	161	NUM
easat-10376	29	4	edelweiss	edelweiss	PROPN
easat-10376	29	5	applied	apply	VERB
easat-10376	29	6	science	science	NOUN
easat-10376	29	7	and	and	CCONJ
easat-10376	29	8	technology	technology	NOUN
easat-10376	29	9	issn	issn	PROPN
easat-10376	29	10	:	:	PUNCT
easat-10376	29	11	2576	2576	NUM
easat-10376	29	12	-	-	SYM
easat-10376	29	13	8484	8484	NUM
easat-10376	29	14	vol	vol	NOUN
easat-10376	29	15	.	.	PROPN
easat-10376	30	1	9	9	NUM
easat-10376	30	2	,	,	PUNCT
easat-10376	30	3	no	no	INTJ
easat-10376	30	4	.	.	NOUN
easat-10376	30	5	10	10	NUM
easat-10376	30	6	:	:	PUNCT
easat-10376	30	7	160	160	NUM
easat-10376	30	8	-	-	SYM
easat-10376	30	9	169	169	NUM
easat-10376	30	10	,	,	PUNCT
easat-10376	30	11	2025	2025	NUM
easat-10376	30	12	doi	doi	NOUN
easat-10376	30	13	:	:	PUNCT
easat-10376	30	14	10.55214/2576	10.55214/2576	NUM
easat-10376	30	15	-	-	PUNCT
easat-10376	30	16	8484.v9i10.10376	8484.v9i10.10376	NUM
easat-10376	30	17	©	©	PROPN
easat-10376	30	18	2025	2025	NUM
easat-10376	30	19	by	by	ADP
easat-10376	30	20	the	the	DET
easat-10376	30	21	authors	author	NOUN
easat-10376	30	22	;	;	PUNCT
easat-10376	30	23	licensee	licensee	PROPN
easat-10376	30	24	learning	learning	NOUN
easat-10376	30	25	gate	gate	VERB
easat-10376	30	26	those	those	PRON
easat-10376	30	27	who	who	PRON
easat-10376	30	28	understand	understand	VERB
easat-10376	30	29	finances	finance	NOUN
easat-10376	30	30	in	in	ADP
easat-10376	30	31	pakistan	pakistan	PROPN
easat-10376	30	32	may	may	AUX
easat-10376	30	33	find	find	VERB
easat-10376	30	34	it	it	PRON
easat-10376	30	35	hard	hard	ADJ
easat-10376	30	36	to	to	PART
easat-10376	30	37	manage	manage	VERB
easat-10376	30	38	digital	digital	ADJ
easat-10376	30	39	transactions	transaction	NOUN
easat-10376	30	40	without	without	ADP
easat-10376	30	41	the	the	DET
easat-10376	30	42	proper	proper	ADJ
easat-10376	30	43	digital	digital	ADJ
easat-10376	30	44	financial	financial	ADJ
easat-10376	30	45	knowledge	knowledge	NOUN
easat-10376	30	46	needed	need	VERB
easat-10376	30	47	for	for	ADP
easat-10376	30	48	safe	safe	ADJ
easat-10376	30	49	and	and	CCONJ
easat-10376	30	50	sound	sound	ADJ
easat-10376	30	51	decisions	decision	NOUN
easat-10376	30	52	[	[	X
easat-10376	30	53	11	11	NUM
easat-10376	30	54	,	,	PUNCT
easat-10376	30	55	12	12	NUM
easat-10376	30	56	]	]	PUNCT
easat-10376	30	57	.	.	PUNCT
easat-10376	31	1	its	its	PRON
easat-10376	31	2	focus	focus	NOUN
easat-10376	31	3	is	be	AUX
easat-10376	31	4	on	on	ADP
easat-10376	31	5	identifying	identify	VERB
easat-10376	31	6	the	the	DET
easat-10376	31	7	way	way	NOUN
easat-10376	31	8	fintech	fintech	NOUN
easat-10376	31	9	and	and	CCONJ
easat-10376	31	10	financial	financial	ADJ
easat-10376	31	11	inclusion	inclusion	NOUN
easat-10376	31	12	relate	relate	VERB
easat-10376	31	13	in	in	ADP
easat-10376	31	14	pakistan	pakistan	PROPN
easat-10376	31	15	,	,	PUNCT
easat-10376	31	16	considering	consider	VERB
easat-10376	31	17	digital	digital	ADJ
easat-10376	31	18	financial	financial	ADJ
easat-10376	31	19	literacy	literacy	NOUN
easat-10376	31	20	to	to	PART
easat-10376	31	21	mediate	mediate	VERB
easat-10376	31	22	and	and	CCONJ
easat-10376	31	23	judging	judge	VERB
easat-10376	31	24	rules	rule	NOUN
easat-10376	31	25	and	and	CCONJ
easat-10376	31	26	regulations	regulation	NOUN
easat-10376	31	27	as	as	ADP
easat-10376	31	28	modulating	modulate	VERB
easat-10376	31	29	factors	factor	NOUN
easat-10376	31	30	.	.	PUNCT
easat-10376	32	1	although	although	SCONJ
easat-10376	32	2	previous	previous	ADJ
easat-10376	32	3	research	research	NOUN
easat-10376	32	4	has	have	AUX
easat-10376	32	5	looked	look	VERB
easat-10376	32	6	into	into	ADP
easat-10376	32	7	the	the	DET
easat-10376	32	8	main	main	ADJ
easat-10376	32	9	reasons	reason	NOUN
easat-10376	32	10	for	for	ADP
easat-10376	32	11	using	use	VERB
easat-10376	32	12	fintech	fintech	NOUN
easat-10376	32	13	and	and	CCONJ
easat-10376	32	14	how	how	SCONJ
easat-10376	32	15	it	it	PRON
easat-10376	32	16	influences	influence	VERB
easat-10376	32	17	financial	financial	ADJ
easat-10376	32	18	inclusion	inclusion	NOUN
easat-10376	32	19	[	[	X
easat-10376	32	20	13	13	NUM
easat-10376	32	21	,	,	PUNCT
easat-10376	32	22	14	14	NUM
easat-10376	32	23	]	]	PUNCT
easat-10376	32	24	the	the	DET
easat-10376	32	25	connection	connection	NOUN
easat-10376	32	26	between	between	ADP
easat-10376	32	27	fintech	fintech	NOUN
easat-10376	32	28	and	and	CCONJ
easat-10376	32	29	financial	financial	ADJ
easat-10376	32	30	literacy	literacy	NOUN
easat-10376	32	31	has	have	AUX
easat-10376	32	32	not	not	PART
easat-10376	32	33	yet	yet	ADV
easat-10376	32	34	been	be	AUX
easat-10376	32	35	recognized	recognize	VERB
easat-10376	32	36	in	in	ADP
easat-10376	32	37	pakistan	pakistan	PROPN
easat-10376	32	38	.	.	PUNCT
easat-10376	33	1	additionally	additionally	ADV
easat-10376	33	2	,	,	PUNCT
easat-10376	33	3	although	although	SCONJ
easat-10376	33	4	literature	literature	NOUN
easat-10376	33	5	examines	examine	VERB
easat-10376	33	6	how	how	SCONJ
easat-10376	33	7	regulations	regulation	NOUN
easat-10376	33	8	influence	influence	VERB
easat-10376	33	9	fintech	fintech	NOUN
easat-10376	33	10	adoption	adoption	NOUN
easat-10376	33	11	,	,	PUNCT
easat-10376	33	12	their	their	PRON
easat-10376	33	13	role	role	NOUN
easat-10376	33	14	in	in	ADP
easat-10376	33	15	developing	develop	VERB
easat-10376	33	16	financial	financial	ADJ
easat-10376	33	17	inclusion	inclusion	NOUN
easat-10376	33	18	has	have	AUX
easat-10376	33	19	not	not	PART
easat-10376	33	20	been	be	AUX
easat-10376	33	21	thoroughly	thoroughly	ADV
easat-10376	33	22	studied	study	VERB
easat-10376	33	23	[	[	X
easat-10376	33	24	15	15	NUM
easat-10376	33	25	,	,	PUNCT
easat-10376	33	26	16	16	NUM
easat-10376	33	27	]	]	PUNCT
easat-10376	33	28	.	.	PUNCT
easat-10376	34	1	it	it	PRON
easat-10376	34	2	adds	add	VERB
easat-10376	34	3	value	value	NOUN
easat-10376	34	4	to	to	ADP
easat-10376	34	5	what	what	PRON
easat-10376	34	6	we	we	PRON
easat-10376	34	7	understand	understand	VERB
easat-10376	34	8	in	in	ADP
easat-10376	34	9	the	the	DET
easat-10376	34	10	field	field	NOUN
easat-10376	34	11	of	of	ADP
easat-10376	34	12	behavioral	behavioral	ADJ
easat-10376	34	13	finance	finance	NOUN
easat-10376	34	14	in	in	ADP
easat-10376	34	15	three	three	NUM
easat-10376	34	16	important	important	ADJ
easat-10376	34	17	ways	way	NOUN
easat-10376	34	18	:	:	PUNCT
easat-10376	34	19	1	1	X
easat-10376	34	20	.	.	X
easat-10376	34	21	therefore	therefore	ADV
easat-10376	34	22	,	,	PUNCT
easat-10376	34	23	high	high	ADJ
easat-10376	34	24	use	use	NOUN
easat-10376	34	25	of	of	ADP
easat-10376	34	26	fintech	fintech	NOUN
easat-10376	34	27	services	service	NOUN
easat-10376	34	28	does	do	AUX
easat-10376	34	29	not	not	PART
easat-10376	34	30	automatically	automatically	ADV
easat-10376	34	31	lead	lead	VERB
easat-10376	34	32	to	to	ADP
easat-10376	34	33	greater	great	ADJ
easat-10376	34	34	financial	financial	ADJ
easat-10376	34	35	inclusion	inclusion	NOUN
easat-10376	34	36	,	,	PUNCT
easat-10376	34	37	but	but	CCONJ
easat-10376	34	38	it	it	PRON
easat-10376	34	39	depends	depend	VERB
easat-10376	34	40	on	on	ADP
easat-10376	34	41	other	other	ADJ
easat-10376	34	42	factors	factor	NOUN
easat-10376	34	43	,	,	PUNCT
easat-10376	34	44	such	such	ADJ
easat-10376	34	45	as	as	ADP
easat-10376	34	46	digital	digital	ADJ
easat-10376	34	47	financial	financial	ADJ
easat-10376	34	48	literacy	literacy	NOUN
easat-10376	34	49	.	.	PUNCT
easat-10376	35	1	2	2	X
easat-10376	35	2	.	.	X
easat-10376	35	3	it	it	PRON
easat-10376	35	4	makes	make	VERB
easat-10376	35	5	clear	clear	ADJ
easat-10376	35	6	that	that	SCONJ
easat-10376	35	7	digital	digital	ADJ
easat-10376	35	8	financial	financial	ADJ
easat-10376	35	9	literacy	literacy	NOUN
easat-10376	35	10	is	be	AUX
easat-10376	35	11	important	important	ADJ
easat-10376	35	12	for	for	ADP
easat-10376	35	13	the	the	DET
easat-10376	35	14	expansion	expansion	NOUN
easat-10376	35	15	of	of	ADP
easat-10376	35	16	fintech	fintech	NOUN
easat-10376	35	17	in	in	ADP
easat-10376	35	18	reaching	reach	VERB
easat-10376	35	19	more	more	ADJ
easat-10376	35	20	people	people	NOUN
easat-10376	35	21	.	.	PUNCT
easat-10376	36	1	3	3	X
easat-10376	36	2	.	.	X
easat-10376	36	3	this	this	DET
easat-10376	36	4	research	research	NOUN
easat-10376	36	5	concludes	conclude	VERB
easat-10376	36	6	that	that	SCONJ
easat-10376	36	7	perceptions	perception	NOUN
easat-10376	36	8	of	of	ADP
easat-10376	36	9	regulatory	regulatory	ADJ
easat-10376	36	10	help	help	NOUN
easat-10376	36	11	enhance	enhance	VERB
easat-10376	36	12	the	the	DET
easat-10376	36	13	way	way	NOUN
easat-10376	36	14	fintech	fintech	NOUN
easat-10376	36	15	impacts	impact	VERB
easat-10376	36	16	financial	financial	ADJ
easat-10376	36	17	inclusion	inclusion	NOUN
easat-10376	36	18	in	in	ADP
easat-10376	36	19	pakistan	pakistan	PROPN
easat-10376	36	20	’s	’s	PART
easat-10376	36	21	financial	financial	ADJ
easat-10376	36	22	sector	sector	NOUN
easat-10376	36	23	.	.	PUNCT
easat-10376	37	1	this	this	DET
easat-10376	37	2	paper	paper	NOUN
easat-10376	37	3	continues	continue	VERB
easat-10376	37	4	as	as	SCONJ
easat-10376	37	5	follows	follow	VERB
easat-10376	37	6	:	:	PUNCT
easat-10376	37	7	section	section	NOUN
easat-10376	37	8	2	2	NUM
easat-10376	37	9	reviews	review	VERB
easat-10376	37	10	existing	exist	VERB
easat-10376	37	11	studies	study	NOUN
easat-10376	37	12	and	and	CCONJ
easat-10376	37	13	relevant	relevant	ADJ
easat-10376	37	14	theories	theory	NOUN
easat-10376	37	15	,	,	PUNCT
easat-10376	37	16	section	section	NOUN
easat-10376	37	17	3	3	NUM
easat-10376	37	18	describes	describe	VERB
easat-10376	37	19	how	how	SCONJ
easat-10376	37	20	the	the	DET
easat-10376	37	21	study	study	NOUN
easat-10376	37	22	was	be	AUX
easat-10376	37	23	carried	carry	VERB
easat-10376	37	24	out	out	ADP
easat-10376	37	25	,	,	PUNCT
easat-10376	37	26	section	section	NOUN
easat-10376	37	27	4	4	NUM
easat-10376	37	28	examines	examine	VERB
easat-10376	37	29	the	the	DET
easat-10376	37	30	findings	finding	NOUN
easat-10376	37	31	and	and	CCONJ
easat-10376	37	32	their	their	PRON
easat-10376	37	33	implications	implication	NOUN
easat-10376	37	34	,	,	PUNCT
easat-10376	37	35	and	and	CCONJ
easat-10376	37	36	section	section	NOUN
easat-10376	37	37	5	5	NUM
easat-10376	37	38	offers	offer	VERB
easat-10376	37	39	conclusions	conclusion	NOUN
easat-10376	37	40	and	and	CCONJ
easat-10376	37	41	suggestions	suggestion	NOUN
easat-10376	37	42	for	for	ADP
easat-10376	37	43	further	further	ADJ
easat-10376	37	44	research	research	NOUN
easat-10376	37	45	.	.	PUNCT
easat-10376	38	1	2	2	X
easat-10376	38	2	.	.	X
easat-10376	38	3	theoretical	theoretical	ADJ
easat-10376	38	4	foundation	foundation	PROPN
easat-10376	38	5	,	,	PUNCT
easat-10376	38	6	literature	literature	NOUN
easat-10376	38	7	review	review	PROPN
easat-10376	38	8	,	,	PUNCT
easat-10376	38	9	and	and	CCONJ
easat-10376	38	10	hypotheses	hypothese	VERB
easat-10376	38	11	development	development	NOUN
easat-10376	38	12	2.1	2.1	NUM
easat-10376	38	13	.	.	PUNCT
easat-10376	39	1	theoretical	theoretical	ADJ
easat-10376	39	2	foundation	foundation	NOUN
easat-10376	39	3	two	two	NUM
easat-10376	39	4	important	important	ADJ
easat-10376	39	5	theories	theory	NOUN
easat-10376	39	6	are	be	AUX
easat-10376	39	7	the	the	DET
easat-10376	39	8	basis	basis	NOUN
easat-10376	39	9	of	of	ADP
easat-10376	39	10	this	this	DET
easat-10376	39	11	study	study	NOUN
easat-10376	39	12	:	:	PUNCT
easat-10376	39	13	the	the	DET
easat-10376	39	14	unified	unified	ADJ
easat-10376	39	15	theory	theory	NOUN
easat-10376	39	16	of	of	ADP
easat-10376	39	17	acceptance	acceptance	NOUN
easat-10376	39	18	and	and	CCONJ
easat-10376	39	19	use	use	NOUN
easat-10376	39	20	of	of	ADP
easat-10376	39	21	technology	technology	NOUN
easat-10376	39	22	(	(	PUNCT
easat-10376	39	23	utaut2	utaut2	PROPN
easat-10376	39	24	)	)	PUNCT
easat-10376	39	25	and	and	CCONJ
easat-10376	39	26	the	the	DET
easat-10376	39	27	value	value	NOUN
easat-10376	39	28	-	-	PUNCT
easat-10376	39	29	based	base	VERB
easat-10376	39	30	adoption	adoption	NOUN
easat-10376	39	31	model	model	NOUN
easat-10376	39	32	(	(	PUNCT
easat-10376	39	33	vam	vam	PROPN
easat-10376	39	34	)	)	PUNCT
easat-10376	39	35	.	.	PUNCT
easat-10376	40	1	such	such	ADJ
easat-10376	40	2	models	model	NOUN
easat-10376	40	3	provide	provide	VERB
easat-10376	40	4	explanations	explanation	NOUN
easat-10376	40	5	for	for	ADP
easat-10376	40	6	users	user	NOUN
easat-10376	40	7	’	'	PUNCT
easat-10376	40	8	expected	expect	VERB
easat-10376	40	9	and	and	CCONJ
easat-10376	40	10	observed	observe	VERB
easat-10376	40	11	use	use	NOUN
easat-10376	40	12	of	of	ADP
easat-10376	40	13	technology	technology	NOUN
easat-10376	40	14	related	relate	VERB
easat-10376	40	15	to	to	ADP
easat-10376	40	16	financial	financial	ADJ
easat-10376	40	17	services	service	NOUN
easat-10376	40	18	.	.	PUNCT
easat-10376	41	1	many	many	ADJ
easat-10376	41	2	studies	study	NOUN
easat-10376	41	3	have	have	AUX
easat-10376	41	4	applied	apply	VERB
easat-10376	41	5	the	the	DET
easat-10376	41	6	utaut2	utaut2	NOUN
easat-10376	41	7	model	model	NOUN
easat-10376	41	8	to	to	PART
easat-10376	41	9	forecast	forecast	VERB
easat-10376	41	10	technology	technology	NOUN
easat-10376	41	11	adoption	adoption	NOUN
easat-10376	41	12	in	in	ADP
easat-10376	41	13	digital	digital	ADJ
easat-10376	41	14	finance	finance	NOUN
easat-10376	41	15	and	and	CCONJ
easat-10376	41	16	mobile	mobile	ADJ
easat-10376	41	17	banking	banking	NOUN
easat-10376	41	18	[	[	X
easat-10376	41	19	17	17	NUM
easat-10376	41	20	,	,	PUNCT
easat-10376	41	21	18	18	NUM
easat-10376	41	22	]	]	PUNCT
easat-10376	41	23	.	.	PUNCT
easat-10376	42	1	it	it	PRON
easat-10376	42	2	provides	provide	VERB
easat-10376	42	3	meaningful	meaningful	ADJ
easat-10376	42	4	details	detail	NOUN
easat-10376	42	5	about	about	ADP
easat-10376	42	6	the	the	DET
easat-10376	42	7	impact	impact	NOUN
easat-10376	42	8	of	of	ADP
easat-10376	42	9	performance	performance	NOUN
easat-10376	42	10	expectancy	expectancy	NOUN
easat-10376	42	11	,	,	PUNCT
easat-10376	42	12	effort	effort	NOUN
easat-10376	42	13	expectancy	expectancy	NOUN
easat-10376	42	14	,	,	PUNCT
easat-10376	42	15	social	social	ADJ
easat-10376	42	16	influence	influence	NOUN
easat-10376	42	17	,	,	PUNCT
easat-10376	42	18	and	and	CCONJ
easat-10376	42	19	facilitating	facilitate	VERB
easat-10376	42	20	conditions	condition	NOUN
easat-10376	42	21	on	on	ADP
easat-10376	42	22	technology	technology	NOUN
easat-10376	42	23	use	use	NOUN
easat-10376	42	24	.	.	PUNCT
easat-10376	43	1	in	in	ADP
easat-10376	43	2	pakistan	pakistan	PROPN
easat-10376	43	3	,	,	PUNCT
easat-10376	43	4	this	this	DET
easat-10376	43	5	research	research	NOUN
easat-10376	43	6	follows	follow	VERB
easat-10376	43	7	the	the	DET
easat-10376	43	8	utaut2	utaut2	PROPN
easat-10376	43	9	model	model	NOUN
easat-10376	43	10	because	because	SCONJ
easat-10376	43	11	rapid	rapid	ADJ
easat-10376	43	12	smartphone	smartphone	NOUN
easat-10376	43	13	growth	growth	NOUN
easat-10376	43	14	and	and	CCONJ
easat-10376	43	15	new	new	ADJ
easat-10376	43	16	digital	digital	ADJ
easat-10376	43	17	ideas	idea	NOUN
easat-10376	43	18	make	make	VERB
easat-10376	43	19	digital	digital	ADJ
easat-10376	43	20	financing	financing	NOUN
easat-10376	43	21	more	more	ADV
easat-10376	43	22	likely	likely	ADV
easat-10376	43	23	.	.	PUNCT
easat-10376	44	1	vam	vam	PROPN
easat-10376	44	2	draws	draw	VERB
easat-10376	44	3	attention	attention	NOUN
easat-10376	44	4	to	to	ADP
easat-10376	44	5	the	the	DET
easat-10376	44	6	value	value	NOUN
easat-10376	44	7	perceived	perceive	VERB
easat-10376	44	8	by	by	ADP
easat-10376	44	9	users	user	NOUN
easat-10376	44	10	,	,	PUNCT
easat-10376	44	11	which	which	PRON
easat-10376	44	12	comes	come	VERB
easat-10376	44	13	from	from	ADP
easat-10376	44	14	understanding	understand	VERB
easat-10376	44	15	the	the	DET
easat-10376	44	16	differences	difference	NOUN
easat-10376	44	17	between	between	ADP
easat-10376	44	18	the	the	DET
easat-10376	44	19	benefits	benefit	NOUN
easat-10376	44	20	of	of	ADP
easat-10376	44	21	using	use	VERB
easat-10376	44	22	a	a	DET
easat-10376	44	23	system	system	NOUN
easat-10376	44	24	and	and	CCONJ
easat-10376	44	25	the	the	DET
easat-10376	44	26	sacrifices	sacrifice	NOUN
easat-10376	44	27	required	require	VERB
easat-10376	44	28	[	[	X
easat-10376	44	29	19	19	NUM
easat-10376	44	30	,	,	PUNCT
easat-10376	44	31	20	20	NUM
easat-10376	44	32	]	]	PUNCT
easat-10376	44	33	.	.	PUNCT
easat-10376	45	1	pakistan	pakistan	PROPN
easat-10376	45	2	’s	’s	PART
easat-10376	45	3	use	use	NOUN
easat-10376	45	4	of	of	ADP
easat-10376	45	5	fintech	fintech	NOUN
easat-10376	45	6	is	be	AUX
easat-10376	45	7	mainly	mainly	ADV
easat-10376	45	8	controlled	control	VERB
easat-10376	45	9	by	by	ADP
easat-10376	45	10	how	how	SCONJ
easat-10376	45	11	much	much	ADJ
easat-10376	45	12	people	people	NOUN
easat-10376	45	13	believe	believe	VERB
easat-10376	45	14	it	it	PRON
easat-10376	45	15	is	be	AUX
easat-10376	45	16	trustworthy	trustworthy	ADJ
easat-10376	45	17	,	,	PUNCT
easat-10376	45	18	provides	provide	VERB
easat-10376	45	19	good	good	ADJ
easat-10376	45	20	service	service	NOUN
easat-10376	45	21	,	,	PUNCT
easat-10376	45	22	and	and	CCONJ
easat-10376	45	23	is	be	AUX
easat-10376	45	24	secure	secure	ADJ
easat-10376	45	25	enough	enough	ADV
easat-10376	45	26	,	,	PUNCT
easat-10376	45	27	due	due	ADP
easat-10376	45	28	to	to	ADP
easat-10376	45	29	prior	prior	ADJ
easat-10376	45	30	financial	financial	ADJ
easat-10376	45	31	scams	scam	NOUN
easat-10376	45	32	and	and	CCONJ
easat-10376	45	33	non	non	ADJ
easat-10376	45	34	-	-	ADJ
easat-10376	45	35	existent	existent	ADJ
easat-10376	45	36	consumer	consumer	NOUN
easat-10376	45	37	protection	protection	NOUN
easat-10376	45	38	.	.	PUNCT
easat-10376	46	1	when	when	SCONJ
easat-10376	46	2	users	user	NOUN
easat-10376	46	3	understand	understand	VERB
easat-10376	46	4	finance	finance	NOUN
easat-10376	46	5	more	more	ADV
easat-10376	46	6	online	online	ADV
easat-10376	46	7	and	and	CCONJ
easat-10376	46	8	get	get	VERB
easat-10376	46	9	support	support	NOUN
easat-10376	46	10	from	from	ADP
easat-10376	46	11	regulators	regulator	NOUN
easat-10376	46	12	,	,	PUNCT
easat-10376	46	13	they	they	PRON
easat-10376	46	14	are	be	AUX
easat-10376	46	15	more	more	ADV
easat-10376	46	16	satisfied	satisfied	ADJ
easat-10376	46	17	and	and	CCONJ
easat-10376	46	18	come	come	VERB
easat-10376	46	19	to	to	PART
easat-10376	46	20	see	see	VERB
easat-10376	46	21	it	it	PRON
easat-10376	46	22	as	as	ADP
easat-10376	46	23	valuable	valuable	ADJ
easat-10376	46	24	[	[	X
easat-10376	46	25	21	21	NUM
easat-10376	46	26	]	]	PUNCT
easat-10376	46	27	.	.	PUNCT
easat-10376	47	1	2.2	2.2	NUM
easat-10376	47	2	.	.	PUNCT
easat-10376	48	1	trust	trust	NOUN
easat-10376	48	2	and	and	CCONJ
easat-10376	48	3	fintech	fintech	NOUN
easat-10376	48	4	use	use	NOUN
easat-10376	48	5	trust	trust	NOUN
easat-10376	48	6	plays	play	VERB
easat-10376	48	7	an	an	DET
easat-10376	48	8	important	important	ADJ
easat-10376	48	9	role	role	NOUN
easat-10376	48	10	in	in	ADP
easat-10376	48	11	shaping	shape	VERB
easat-10376	48	12	a	a	DET
easat-10376	48	13	person	person	NOUN
easat-10376	48	14	’s	’s	PART
easat-10376	48	15	decision	decision	NOUN
easat-10376	48	16	to	to	PART
easat-10376	48	17	use	use	VERB
easat-10376	48	18	fintech	fintech	NOUN
easat-10376	48	19	services	service	NOUN
easat-10376	48	20	.	.	PUNCT
easat-10376	49	1	it	it	PRON
easat-10376	49	2	means	mean	VERB
easat-10376	49	3	how	how	SCONJ
easat-10376	49	4	much	much	ADJ
easat-10376	49	5	people	people	NOUN
easat-10376	49	6	believe	believe	VERB
easat-10376	49	7	that	that	SCONJ
easat-10376	49	8	digital	digital	ADJ
easat-10376	49	9	financial	financial	ADJ
easat-10376	49	10	services	service	NOUN
easat-10376	49	11	are	be	AUX
easat-10376	49	12	secure	secure	ADJ
easat-10376	49	13	,	,	PUNCT
easat-10376	49	14	reliable	reliable	ADJ
easat-10376	49	15	,	,	PUNCT
easat-10376	49	16	and	and	CCONJ
easat-10376	49	17	ethically	ethically	ADV
easat-10376	49	18	practiced	practice	VERB
easat-10376	49	19	[	[	PUNCT
easat-10376	49	20	13	13	NUM
easat-10376	49	21	]	]	PUNCT
easat-10376	49	22	.	.	PUNCT
easat-10376	50	1	because	because	SCONJ
easat-10376	50	2	fraud	fraud	NOUN
easat-10376	50	3	and	and	CCONJ
easat-10376	50	4	data	datum	NOUN
easat-10376	50	5	misuse	misuse	NOUN
easat-10376	50	6	are	be	AUX
easat-10376	50	7	rising	rise	VERB
easat-10376	50	8	on	on	ADP
easat-10376	50	9	the	the	DET
easat-10376	50	10	internet	internet	NOUN
easat-10376	50	11	in	in	ADP
easat-10376	50	12	pakistan	pakistan	PROPN
easat-10376	50	13	,	,	PUNCT
easat-10376	50	14	people	people	NOUN
easat-10376	50	15	rely	rely	VERB
easat-10376	50	16	on	on	ADP
easat-10376	50	17	trust	trust	NOUN
easat-10376	50	18	when	when	SCONJ
easat-10376	50	19	deciding	decide	VERB
easat-10376	50	20	to	to	PART
easat-10376	50	21	use	use	VERB
easat-10376	50	22	fintech	fintech	NOUN
easat-10376	50	23	services	service	NOUN
easat-10376	50	24	[	[	X
easat-10376	50	25	22	22	NUM
easat-10376	50	26	,	,	PUNCT
easat-10376	50	27	23	23	NUM
easat-10376	50	28	]	]	PUNCT
easat-10376	50	29	.	.	PUNCT
easat-10376	51	1	it	it	PRON
easat-10376	51	2	has	have	AUX
easat-10376	51	3	been	be	AUX
easat-10376	51	4	proven	prove	VERB
easat-10376	51	5	that	that	SCONJ
easat-10376	51	6	when	when	SCONJ
easat-10376	51	7	trust	trust	NOUN
easat-10376	51	8	is	be	AUX
easat-10376	51	9	high	high	ADJ
easat-10376	51	10	,	,	PUNCT
easat-10376	51	11	people	people	NOUN
easat-10376	51	12	think	think	VERB
easat-10376	51	13	fewer	few	ADJ
easat-10376	51	14	risks	risk	NOUN
easat-10376	51	15	exist	exist	VERB
easat-10376	51	16	and	and	CCONJ
easat-10376	51	17	are	be	AUX
easat-10376	51	18	more	more	ADV
easat-10376	51	19	likely	likely	ADJ
easat-10376	51	20	to	to	PART
easat-10376	51	21	remain	remain	VERB
easat-10376	51	22	loyal	loyal	ADJ
easat-10376	51	23	customers	customer	NOUN
easat-10376	52	1	[	[	X
easat-10376	52	2	24	24	NUM
easat-10376	52	3	,	,	PUNCT
easat-10376	52	4	25	25	NUM
easat-10376	52	5	]	]	PUNCT
easat-10376	52	6	.	.	PUNCT
easat-10376	53	1	h1	h1	PROPN
easat-10376	53	2	:	:	PUNCT
easat-10376	53	3	trust	trust	VERB
easat-10376	53	4	significantly	significantly	ADV
easat-10376	53	5	and	and	CCONJ
easat-10376	53	6	positively	positively	ADV
easat-10376	53	7	influences	influence	VERB
easat-10376	53	8	the	the	DET
easat-10376	53	9	use	use	NOUN
easat-10376	53	10	of	of	ADP
easat-10376	53	11	fintech	fintech	NOUN
easat-10376	53	12	services	service	NOUN
easat-10376	53	13	.	.	PUNCT
easat-10376	54	1	2.3	2.3	NUM
easat-10376	54	2	.	.	PUNCT
easat-10376	54	3	service	service	NOUN
easat-10376	54	4	quality	quality	NOUN
easat-10376	54	5	and	and	CCONJ
easat-10376	54	6	fintech	fintech	NOUN
easat-10376	54	7	use	use	VERB
easat-10376	54	8	the	the	DET
easat-10376	54	9	quality	quality	NOUN
easat-10376	54	10	of	of	ADP
easat-10376	54	11	service	service	NOUN
easat-10376	54	12	greatly	greatly	ADV
easat-10376	54	13	matters	matter	VERB
easat-10376	54	14	in	in	ADP
easat-10376	54	15	making	make	VERB
easat-10376	54	16	people	people	NOUN
easat-10376	54	17	satisfied	satisfied	ADJ
easat-10376	54	18	and	and	CCONJ
easat-10376	54	19	in	in	ADP
easat-10376	54	20	encouraging	encourage	VERB
easat-10376	54	21	them	they	PRON
easat-10376	54	22	to	to	PART
easat-10376	54	23	keep	keep	VERB
easat-10376	54	24	using	use	VERB
easat-10376	54	25	fintech	fintech	NOUN
easat-10376	54	26	platforms	platform	NOUN
easat-10376	54	27	[	[	X
easat-10376	54	28	26	26	NUM
easat-10376	54	29	,	,	PUNCT
easat-10376	54	30	27	27	NUM
easat-10376	54	31	]	]	PUNCT
easat-10376	54	32	.	.	PUNCT
easat-10376	55	1	in	in	ADP
easat-10376	55	2	pakistan	pakistan	PROPN
easat-10376	55	3	,	,	PUNCT
easat-10376	55	4	since	since	SCONJ
easat-10376	55	5	traditional	traditional	ADJ
easat-10376	55	6	banks	bank	NOUN
easat-10376	55	7	do	do	AUX
easat-10376	55	8	not	not	PART
easat-10376	55	9	always	always	ADV
easat-10376	55	10	meet	meet	VERB
easat-10376	55	11	users	user	NOUN
easat-10376	55	12	'	'	PART
easat-10376	55	13	needs	need	NOUN
easat-10376	55	14	,	,	PUNCT
easat-10376	55	15	fintech	fintech	NOUN
easat-10376	55	16	platforms	platform	NOUN
easat-10376	55	17	that	that	PRON
easat-10376	55	18	are	be	AUX
easat-10376	55	19	reliable	reliable	ADJ
easat-10376	55	20	,	,	PUNCT
easat-10376	55	21	convenient	convenient	ADJ
easat-10376	55	22	,	,	PUNCT
easat-10376	55	23	and	and	CCONJ
easat-10376	55	24	user	user	NOUN
easat-10376	55	25	-	-	PUNCT
easat-10376	55	26	friendly	friendly	ADJ
easat-10376	55	27	have	have	VERB
easat-10376	55	28	an	an	DET
easat-10376	55	29	advantage	advantage	NOUN
easat-10376	56	1	[	[	X
easat-10376	56	2	28	28	NUM
easat-10376	56	3	]	]	PUNCT
easat-10376	56	4	.	.	PUNCT
easat-10376	57	1	if	if	SCONJ
easat-10376	57	2	the	the	DET
easat-10376	57	3	service	service	NOUN
easat-10376	57	4	is	be	AUX
easat-10376	57	5	of	of	ADP
easat-10376	57	6	high	high	ADJ
easat-10376	57	7	quality	quality	NOUN
easat-10376	57	8	,	,	PUNCT
easat-10376	57	9	it	it	PRON
easat-10376	57	10	increases	increase	VERB
easat-10376	57	11	the	the	DET
easat-10376	57	12	user	user	NOUN
easat-10376	57	13	’s	’s	PART
easat-10376	57	14	perception	perception	NOUN
easat-10376	57	15	of	of	ADP
easat-10376	57	16	its	its	PRON
easat-10376	57	17	value	value	NOUN
easat-10376	57	18	and	and	CCONJ
easat-10376	57	19	leads	lead	VERB
easat-10376	57	20	them	they	PRON
easat-10376	57	21	to	to	PART
easat-10376	57	22	use	use	VERB
easat-10376	57	23	it	it	PRON
easat-10376	57	24	again	again	ADV
easat-10376	57	25	[	[	X
easat-10376	57	26	29	29	NUM
easat-10376	57	27	]	]	PUNCT
easat-10376	57	28	.	.	PUNCT
easat-10376	58	1	h2	h2	NOUN
easat-10376	58	2	:	:	PUNCT
easat-10376	58	3	service	service	NOUN
easat-10376	58	4	quality	quality	NOUN
easat-10376	58	5	significantly	significantly	ADV
easat-10376	58	6	and	and	CCONJ
easat-10376	58	7	positively	positively	ADV
easat-10376	58	8	influences	influence	VERB
easat-10376	58	9	the	the	DET
easat-10376	58	10	use	use	NOUN
easat-10376	58	11	of	of	ADP
easat-10376	58	12	fintech	fintech	NOUN
easat-10376	58	13	services	service	NOUN
easat-10376	58	14	.	.	PUNCT
easat-10376	59	1	162	162	NUM
easat-10376	59	2	edelweiss	edelweiss	PROPN
easat-10376	59	3	applied	apply	VERB
easat-10376	59	4	science	science	NOUN
easat-10376	59	5	and	and	CCONJ
easat-10376	59	6	technology	technology	NOUN
easat-10376	59	7	issn	issn	PROPN
easat-10376	59	8	:	:	PUNCT
easat-10376	59	9	2576	2576	NUM
easat-10376	59	10	-	-	SYM
easat-10376	59	11	8484	8484	NUM
easat-10376	59	12	vol	vol	NOUN
easat-10376	59	13	.	.	PROPN
easat-10376	60	1	9	9	NUM
easat-10376	60	2	,	,	PUNCT
easat-10376	60	3	no	no	INTJ
easat-10376	60	4	.	.	NOUN
easat-10376	60	5	10	10	NUM
easat-10376	60	6	:	:	PUNCT
easat-10376	60	7	160	160	NUM
easat-10376	60	8	-	-	SYM
easat-10376	60	9	169	169	NUM
easat-10376	60	10	,	,	PUNCT
easat-10376	60	11	2025	2025	NUM
easat-10376	60	12	doi	doi	NOUN
easat-10376	60	13	:	:	PUNCT
easat-10376	60	14	10.55214/2576	10.55214/2576	NUM
easat-10376	60	15	-	-	PUNCT
easat-10376	60	16	8484.v9i10.10376	8484.v9i10.10376	NUM
easat-10376	60	17	©	©	PROPN
easat-10376	60	18	2025	2025	NUM
easat-10376	60	19	by	by	ADP
easat-10376	60	20	the	the	DET
easat-10376	60	21	authors	author	NOUN
easat-10376	60	22	;	;	PUNCT
easat-10376	60	23	licensee	licensee	PROPN
easat-10376	60	24	learning	learning	NOUN
easat-10376	60	25	gate	gate	NOUN
easat-10376	60	26	2.4	2.4	NUM
easat-10376	60	27	.	.	PUNCT
easat-10376	61	1	perceived	perceive	VERB
easat-10376	61	2	security	security	NOUN
easat-10376	61	3	and	and	CCONJ
easat-10376	61	4	fintech	fintech	NOUN
easat-10376	61	5	use	use	NOUN
easat-10376	61	6	safety	safety	NOUN
easat-10376	61	7	of	of	ADP
easat-10376	61	8	financial	financial	ADJ
easat-10376	61	9	information	information	NOUN
easat-10376	61	10	and	and	CCONJ
easat-10376	61	11	processes	process	NOUN
easat-10376	61	12	is	be	AUX
easat-10376	61	13	considered	consider	VERB
easat-10376	61	14	perceived	perceive	VERB
easat-10376	61	15	security	security	NOUN
easat-10376	61	16	and	and	CCONJ
easat-10376	61	17	depends	depend	VERB
easat-10376	61	18	on	on	ADP
easat-10376	61	19	one	one	NUM
easat-10376	61	20	’s	’s	PART
easat-10376	61	21	own	own	ADJ
easat-10376	61	22	opinion	opinion	NOUN
easat-10376	61	23	[	[	X
easat-10376	61	24	30	30	NUM
easat-10376	61	25	]	]	PUNCT
easat-10376	61	26	.	.	PUNCT
easat-10376	62	1	since	since	SCONJ
easat-10376	62	2	there	there	PRON
easat-10376	62	3	are	be	VERB
easat-10376	62	4	many	many	ADJ
easat-10376	62	5	cyberattacks	cyberattack	NOUN
easat-10376	62	6	,	,	PUNCT
easat-10376	62	7	identity	identity	NOUN
easat-10376	62	8	theft	theft	NOUN
easat-10376	62	9	,	,	PUNCT
easat-10376	62	10	and	and	CCONJ
easat-10376	62	11	digital	digital	ADJ
easat-10376	62	12	scams	scam	NOUN
easat-10376	62	13	in	in	ADP
easat-10376	62	14	pakistan	pakistan	PROPN
easat-10376	62	15	,	,	PUNCT
easat-10376	62	16	many	many	ADJ
easat-10376	62	17	people	people	NOUN
easat-10376	62	18	consider	consider	VERB
easat-10376	62	19	safety	safety	NOUN
easat-10376	62	20	to	to	PART
easat-10376	62	21	play	play	VERB
easat-10376	62	22	a	a	DET
easat-10376	62	23	major	major	ADJ
easat-10376	62	24	role	role	NOUN
easat-10376	62	25	when	when	SCONJ
easat-10376	62	26	adopting	adopt	VERB
easat-10376	62	27	fintech	fintech	NOUN
easat-10376	62	28	services	service	NOUN
easat-10376	62	29	[	[	X
easat-10376	62	30	27	27	NUM
easat-10376	62	31	]	]	PUNCT
easat-10376	62	32	.	.	PUNCT
easat-10376	63	1	making	make	VERB
easat-10376	63	2	fintech	fintech	NOUN
easat-10376	63	3	more	more	ADV
easat-10376	63	4	secure	secure	ADJ
easat-10376	63	5	encourages	encourage	VERB
easat-10376	63	6	users	user	NOUN
easat-10376	63	7	to	to	PART
easat-10376	63	8	trust	trust	VERB
easat-10376	63	9	the	the	DET
easat-10376	63	10	service	service	NOUN
easat-10376	63	11	and	and	CCONJ
easat-10376	63	12	want	want	VERB
easat-10376	63	13	to	to	PART
easat-10376	63	14	stay	stay	VERB
easat-10376	63	15	with	with	ADP
easat-10376	63	16	it	it	PRON
easat-10376	63	17	,	,	PUNCT
easat-10376	63	18	putri	putri	PROPN
easat-10376	63	19	et	et	PROPN
easat-10376	63	20	al	al	PROPN
easat-10376	63	21	.	.	PUNCT
easat-10376	64	1	[	[	X
easat-10376	64	2	31	31	NUM
easat-10376	64	3	]	]	PUNCT
easat-10376	64	4	.	.	PUNCT
easat-10376	65	1	h3	h3	NOUN
easat-10376	65	2	:	:	PUNCT
easat-10376	65	3	perceived	perceive	VERB
easat-10376	65	4	security	security	NOUN
easat-10376	65	5	significantly	significantly	ADV
easat-10376	65	6	and	and	CCONJ
easat-10376	65	7	positively	positively	ADV
easat-10376	65	8	influences	influence	VERB
easat-10376	65	9	the	the	DET
easat-10376	65	10	use	use	NOUN
easat-10376	65	11	of	of	ADP
easat-10376	65	12	fintech	fintech	NOUN
easat-10376	65	13	services	service	NOUN
easat-10376	65	14	.	.	PUNCT
easat-10376	66	1	2.5	2.5	NUM
easat-10376	66	2	.	.	PUNCT
easat-10376	67	1	fintech	fintech	NOUN
easat-10376	67	2	use	use	NOUN
easat-10376	67	3	and	and	CCONJ
easat-10376	67	4	financial	financial	ADJ
easat-10376	67	5	inclusion	inclusion	NOUN
easat-10376	67	6	the	the	DET
easat-10376	67	7	use	use	NOUN
easat-10376	67	8	of	of	ADP
easat-10376	67	9	fintech	fintech	NOUN
easat-10376	67	10	reduces	reduce	VERB
easat-10376	67	11	physical	physical	ADJ
easat-10376	67	12	and	and	CCONJ
easat-10376	67	13	administrative	administrative	ADJ
easat-10376	67	14	barriers	barrier	NOUN
easat-10376	67	15	,	,	PUNCT
easat-10376	67	16	enabling	enable	VERB
easat-10376	67	17	rural	rural	ADJ
easat-10376	67	18	,	,	PUNCT
easat-10376	67	19	unbanked	unbanked	ADJ
easat-10376	67	20	people	people	NOUN
easat-10376	67	21	in	in	ADP
easat-10376	67	22	pakistan	pakistan	PROPN
easat-10376	67	23	to	to	PART
easat-10376	67	24	access	access	VERB
easat-10376	67	25	financial	financial	ADJ
easat-10376	67	26	services	service	NOUN
easat-10376	67	27	.	.	PUNCT
easat-10376	68	1	recently	recently	ADV
easat-10376	68	2	,	,	PUNCT
easat-10376	68	3	easypaisa	easypaisa	NOUN
easat-10376	68	4	,	,	PUNCT
easat-10376	68	5	jazzcash	jazzcash	NOUN
easat-10376	68	6	,	,	PUNCT
easat-10376	68	7	and	and	CCONJ
easat-10376	68	8	raast	raast	NOUN
easat-10376	68	9	have	have	AUX
easat-10376	68	10	provided	provide	VERB
easat-10376	68	11	more	more	ADJ
easat-10376	68	12	affordable	affordable	ADJ
easat-10376	68	13	and	and	CCONJ
easat-10376	68	14	convenient	convenient	ADJ
easat-10376	68	15	options	option	NOUN
easat-10376	68	16	in	in	ADP
easat-10376	68	17	financial	financial	ADJ
easat-10376	68	18	services	service	NOUN
easat-10376	68	19	,	,	PUNCT
easat-10376	68	20	making	make	VERB
easat-10376	68	21	traditional	traditional	ADJ
easat-10376	68	22	banking	banking	NOUN
easat-10376	68	23	more	more	ADV
easat-10376	68	24	accessible	accessible	ADJ
easat-10376	68	25	to	to	ADP
easat-10376	68	26	many	many	ADJ
easat-10376	68	27	[	[	NOUN
easat-10376	68	28	32	32	NUM
easat-10376	68	29	]	]	PUNCT
easat-10376	68	30	.	.	PUNCT
easat-10376	69	1	the	the	DET
easat-10376	69	2	situation	situation	NOUN
easat-10376	69	3	is	be	AUX
easat-10376	69	4	especially	especially	ADV
easat-10376	69	5	significant	significant	ADJ
easat-10376	69	6	in	in	ADP
easat-10376	69	7	pakistan	pakistan	PROPN
easat-10376	69	8	,	,	PUNCT
easat-10376	69	9	given	give	VERB
easat-10376	69	10	its	its	PRON
easat-10376	69	11	large	large	ADJ
easat-10376	69	12	,	,	PUNCT
easat-10376	69	13	unconventional	unconventional	ADJ
easat-10376	69	14	economy	economy	NOUN
easat-10376	69	15	and	and	CCONJ
easat-10376	69	16	heavy	heavy	ADJ
easat-10376	69	17	use	use	NOUN
easat-10376	69	18	of	of	ADP
easat-10376	69	19	cash	cash	NOUN
easat-10376	69	20	.	.	PUNCT
easat-10376	70	1	h4	h4	NOUN
easat-10376	70	2	:	:	PUNCT
easat-10376	70	3	the	the	DET
easat-10376	70	4	use	use	NOUN
easat-10376	70	5	of	of	ADP
easat-10376	70	6	fintech	fintech	NOUN
easat-10376	70	7	services	service	NOUN
easat-10376	70	8	has	have	VERB
easat-10376	70	9	a	a	DET
easat-10376	70	10	significantly	significantly	ADV
easat-10376	70	11	positive	positive	ADJ
easat-10376	70	12	influence	influence	NOUN
easat-10376	70	13	on	on	ADP
easat-10376	70	14	financial	financial	ADJ
easat-10376	70	15	inclusion	inclusion	NOUN
easat-10376	70	16	.	.	PUNCT
easat-10376	71	1	2.6	2.6	NUM
easat-10376	71	2	.	.	PUNCT
easat-10376	71	3	fintech	fintech	NOUN
easat-10376	71	4	use	use	NOUN
easat-10376	71	5	and	and	CCONJ
easat-10376	71	6	digital	digital	ADJ
easat-10376	71	7	financial	financial	ADJ
easat-10376	71	8	literacy	literacy	NOUN
easat-10376	71	9	besides	besides	SCONJ
easat-10376	71	10	financial	financial	ADJ
easat-10376	71	11	services	service	NOUN
easat-10376	71	12	,	,	PUNCT
easat-10376	71	13	such	such	ADJ
easat-10376	71	14	platforms	platform	NOUN
easat-10376	71	15	in	in	ADP
easat-10376	71	16	pakistan	pakistan	PROPN
easat-10376	71	17	also	also	ADV
easat-10376	71	18	serve	serve	VERB
easat-10376	71	19	as	as	ADP
easat-10376	71	20	teachers	teacher	NOUN
easat-10376	71	21	on	on	ADP
easat-10376	71	22	digital	digital	ADJ
easat-10376	71	23	topics	topic	NOUN
easat-10376	71	24	.	.	PUNCT
easat-10376	72	1	many	many	ADJ
easat-10376	72	2	applications	application	NOUN
easat-10376	72	3	provide	provide	VERB
easat-10376	72	4	tutorials	tutorial	NOUN
easat-10376	72	5	,	,	PUNCT
easat-10376	72	6	help	help	VERB
easat-10376	72	7	with	with	ADP
easat-10376	72	8	common	common	ADJ
easat-10376	72	9	questions	question	NOUN
easat-10376	72	10	,	,	PUNCT
easat-10376	72	11	budgeting	budgeting	NOUN
easat-10376	72	12	tools	tool	NOUN
easat-10376	72	13	,	,	PUNCT
easat-10376	72	14	and	and	CCONJ
easat-10376	72	15	advice	advice	NOUN
easat-10376	72	16	on	on	ADP
easat-10376	72	17	using	use	VERB
easat-10376	72	18	money	money	NOUN
easat-10376	72	19	responsibly	responsibly	ADV
easat-10376	72	20	within	within	ADP
easat-10376	72	21	their	their	PRON
easat-10376	72	22	apps	app	NOUN
easat-10376	73	1	[	[	X
easat-10376	73	2	33	33	NUM
easat-10376	73	3	,	,	PUNCT
easat-10376	73	4	34	34	NUM
easat-10376	73	5	]	]	PUNCT
easat-10376	73	6	.	.	PUNCT
easat-10376	74	1	a	a	DET
easat-10376	74	2	number	number	NOUN
easat-10376	74	3	of	of	ADP
easat-10376	74	4	platforms	platform	NOUN
easat-10376	74	5	include	include	VERB
easat-10376	74	6	games	game	NOUN
easat-10376	74	7	to	to	PART
easat-10376	74	8	help	help	VERB
easat-10376	74	9	people	people	NOUN
easat-10376	74	10	have	have	VERB
easat-10376	74	11	fun	fun	NOUN
easat-10376	74	12	while	while	SCONJ
easat-10376	74	13	studying	study	VERB
easat-10376	74	14	finances	finance	NOUN
easat-10376	74	15	[	[	X
easat-10376	74	16	12	12	NUM
easat-10376	74	17	]	]	PUNCT
easat-10376	74	18	.	.	PUNCT
easat-10376	75	1	these	these	DET
easat-10376	75	2	steps	step	NOUN
easat-10376	75	3	help	help	VERB
easat-10376	75	4	improve	improve	VERB
easat-10376	75	5	digital	digital	ADJ
easat-10376	75	6	financial	financial	ADJ
easat-10376	75	7	literacy	literacy	NOUN
easat-10376	75	8	(	(	PUNCT
easat-10376	75	9	dfl	dfl	PROPN
easat-10376	75	10	)	)	PUNCT
easat-10376	75	11	,	,	PUNCT
easat-10376	75	12	mainly	mainly	ADV
easat-10376	75	13	among	among	ADP
easat-10376	75	14	youth	youth	NOUN
easat-10376	75	15	and	and	CCONJ
easat-10376	75	16	women	woman	NOUN
easat-10376	75	17	,	,	PUNCT
easat-10376	75	18	who	who	PRON
easat-10376	75	19	are	be	AUX
easat-10376	75	20	usually	usually	ADV
easat-10376	75	21	not	not	PART
easat-10376	75	22	included	include	VERB
easat-10376	75	23	in	in	ADP
easat-10376	75	24	pakistan	pakistan	PROPN
easat-10376	75	25	’s	’s	PART
easat-10376	75	26	financial	financial	ADJ
easat-10376	75	27	system	system	NOUN
easat-10376	75	28	.	.	PUNCT
easat-10376	76	1	h5	h5	PROPN
easat-10376	76	2	:	:	PUNCT
easat-10376	76	3	the	the	DET
easat-10376	76	4	use	use	NOUN
easat-10376	76	5	of	of	ADP
easat-10376	76	6	fintech	fintech	NOUN
easat-10376	76	7	services	service	NOUN
easat-10376	76	8	significantly	significantly	ADV
easat-10376	76	9	and	and	CCONJ
easat-10376	76	10	positively	positively	ADV
easat-10376	76	11	influences	influence	VERB
easat-10376	76	12	digital	digital	ADJ
easat-10376	76	13	financial	financial	ADJ
easat-10376	76	14	literacy	literacy	NOUN
easat-10376	76	15	.	.	PUNCT
easat-10376	77	1	2.7	2.7	NUM
easat-10376	77	2	.	.	PUNCT
easat-10376	78	1	digital	digital	ADJ
easat-10376	78	2	financial	financial	ADJ
easat-10376	78	3	literacy	literacy	NOUN
easat-10376	78	4	and	and	CCONJ
easat-10376	78	5	financial	financial	ADJ
easat-10376	78	6	inclusion	inclusion	NOUN
easat-10376	78	7	people	people	NOUN
easat-10376	78	8	who	who	PRON
easat-10376	78	9	have	have	VERB
easat-10376	78	10	digital	digital	ADJ
easat-10376	78	11	financial	financial	ADJ
easat-10376	78	12	literacy	literacy	NOUN
easat-10376	78	13	can	can	AUX
easat-10376	78	14	handle	handle	VERB
easat-10376	78	15	,	,	PUNCT
easat-10376	78	16	evaluate	evaluate	VERB
easat-10376	78	17	,	,	PUNCT
easat-10376	78	18	and	and	CCONJ
easat-10376	78	19	apply	apply	VERB
easat-10376	78	20	digital	digital	ADJ
easat-10376	78	21	financial	financial	ADJ
easat-10376	78	22	services	service	NOUN
easat-10376	78	23	safely	safely	ADV
easat-10376	78	24	[	[	X
easat-10376	78	25	35	35	NUM
easat-10376	78	26	,	,	PUNCT
easat-10376	78	27	36	36	NUM
easat-10376	78	28	]	]	PUNCT
easat-10376	78	29	.	.	PUNCT
easat-10376	79	1	dfl	dfl	PROPN
easat-10376	79	2	gives	give	VERB
easat-10376	79	3	pakistan	pakistan	PROPN
easat-10376	79	4	’s	’s	PART
easat-10376	79	5	citizens	citizen	NOUN
easat-10376	79	6	extra	extra	ADJ
easat-10376	79	7	confidence	confidence	NOUN
easat-10376	79	8	when	when	SCONJ
easat-10376	79	9	making	make	VERB
easat-10376	79	10	payments	payment	NOUN
easat-10376	79	11	,	,	PUNCT
easat-10376	79	12	handling	handle	VERB
easat-10376	79	13	investments	investment	NOUN
easat-10376	79	14	,	,	PUNCT
easat-10376	79	15	and	and	CCONJ
easat-10376	79	16	using	use	VERB
easat-10376	79	17	digital	digital	ADJ
easat-10376	79	18	loans	loan	NOUN
easat-10376	79	19	.	.	PUNCT
easat-10376	80	1	if	if	SCONJ
easat-10376	80	2	dfl	dfl	PROPN
easat-10376	80	3	increases	increase	VERB
easat-10376	80	4	,	,	PUNCT
easat-10376	80	5	individuals	individual	NOUN
easat-10376	80	6	can	can	AUX
easat-10376	80	7	engage	engage	VERB
easat-10376	80	8	more	more	ADJ
easat-10376	80	9	with	with	ADP
easat-10376	80	10	banks	bank	NOUN
easat-10376	80	11	,	,	PUNCT
easat-10376	80	12	providing	provide	VERB
easat-10376	80	13	them	they	PRON
easat-10376	80	14	with	with	ADP
easat-10376	80	15	greater	great	ADJ
easat-10376	80	16	opportunities	opportunity	NOUN
easat-10376	80	17	for	for	ADP
easat-10376	80	18	using	use	VERB
easat-10376	80	19	financial	financial	ADJ
easat-10376	80	20	services	service	NOUN
easat-10376	80	21	[	[	X
easat-10376	80	22	37	37	NUM
easat-10376	80	23	]	]	PUNCT
easat-10376	80	24	.	.	PUNCT
easat-10376	81	1	h6	h6	PROPN
easat-10376	81	2	:	:	PUNCT
easat-10376	81	3	digital	digital	ADJ
easat-10376	81	4	financial	financial	ADJ
easat-10376	81	5	literacy	literacy	NOUN
easat-10376	81	6	significantly	significantly	ADV
easat-10376	81	7	and	and	CCONJ
easat-10376	81	8	positively	positively	ADV
easat-10376	81	9	influences	influence	VERB
easat-10376	81	10	financial	financial	ADJ
easat-10376	81	11	inclusion	inclusion	NOUN
easat-10376	81	12	.	.	PUNCT
easat-10376	82	1	2.8	2.8	NUM
easat-10376	82	2	.	.	PUNCT
easat-10376	83	1	digital	digital	ADJ
easat-10376	83	2	financial	financial	ADJ
easat-10376	83	3	literacy	literacy	NOUN
easat-10376	83	4	as	as	ADP
easat-10376	83	5	a	a	DET
easat-10376	83	6	mediator	mediator	NOUN
easat-10376	83	7	digital	digital	ADJ
easat-10376	83	8	financial	financial	ADJ
easat-10376	83	9	skills	skill	NOUN
easat-10376	83	10	are	be	AUX
easat-10376	83	11	necessary	necessary	ADJ
easat-10376	83	12	to	to	PART
easat-10376	83	13	help	help	VERB
easat-10376	83	14	individuals	individual	NOUN
easat-10376	83	15	fully	fully	ADV
easat-10376	83	16	utilize	utilize	VERB
easat-10376	83	17	the	the	DET
easat-10376	83	18	financial	financial	ADJ
easat-10376	83	19	services	service	NOUN
easat-10376	83	20	provided	provide	VERB
easat-10376	83	21	by	by	ADP
easat-10376	83	22	fintech	fintech	NOUN
easat-10376	83	23	.	.	PUNCT
easat-10376	84	1	some	some	DET
easat-10376	84	2	studies	study	NOUN
easat-10376	84	3	have	have	AUX
easat-10376	84	4	identified	identify	VERB
easat-10376	84	5	how	how	SCONJ
easat-10376	84	6	digital	digital	ADJ
easat-10376	84	7	consumer	consumer	NOUN
easat-10376	84	8	protection	protection	NOUN
easat-10376	84	9	and	and	CCONJ
easat-10376	84	10	digital	digital	ADJ
easat-10376	84	11	marketing	marketing	NOUN
easat-10376	84	12	serve	serve	VERB
easat-10376	84	13	as	as	ADP
easat-10376	84	14	mediators	mediator	NOUN
easat-10376	84	15	,	,	PUNCT
easat-10376	84	16	but	but	CCONJ
easat-10376	84	17	there	there	PRON
easat-10376	84	18	is	be	VERB
easat-10376	84	19	limited	limited	ADJ
easat-10376	84	20	research	research	NOUN
easat-10376	84	21	on	on	ADP
easat-10376	84	22	this	this	DET
easat-10376	84	23	topic	topic	NOUN
easat-10376	84	24	in	in	ADP
easat-10376	84	25	pakistan	pakistan	PROPN
easat-10376	84	26	.	.	PUNCT
easat-10376	85	1	the	the	DET
easat-10376	85	2	study	study	NOUN
easat-10376	85	3	addresses	address	VERB
easat-10376	85	4	this	this	DET
easat-10376	85	5	gap	gap	NOUN
easat-10376	85	6	by	by	ADP
easat-10376	85	7	proposing	propose	VERB
easat-10376	85	8	that	that	SCONJ
easat-10376	85	9	dfl	dfl	PROPN
easat-10376	85	10	acts	act	VERB
easat-10376	85	11	as	as	ADP
easat-10376	85	12	a	a	DET
easat-10376	85	13	primary	primary	ADJ
easat-10376	85	14	mediator	mediator	NOUN
easat-10376	85	15	.	.	PUNCT
easat-10376	86	1	h7	h7	PROPN
easat-10376	86	2	:	:	PUNCT
easat-10376	86	3	digital	digital	ADJ
easat-10376	86	4	financial	financial	ADJ
easat-10376	86	5	literacy	literacy	NOUN
easat-10376	86	6	mediates	mediate	VERB
easat-10376	86	7	the	the	DET
easat-10376	86	8	relationship	relationship	NOUN
easat-10376	86	9	between	between	ADP
easat-10376	86	10	the	the	DET
easat-10376	86	11	use	use	NOUN
easat-10376	86	12	of	of	ADP
easat-10376	86	13	fintech	fintech	NOUN
easat-10376	86	14	and	and	CCONJ
easat-10376	86	15	financial	financial	ADJ
easat-10376	86	16	inclusion	inclusion	NOUN
easat-10376	86	17	.	.	PUNCT
easat-10376	87	1	2.9	2.9	NUM
easat-10376	87	2	.	.	PUNCT
easat-10376	87	3	perceived	perceive	VERB
easat-10376	87	4	regulatory	regulatory	ADJ
easat-10376	87	5	support	support	NOUN
easat-10376	87	6	as	as	ADP
easat-10376	87	7	a	a	DET
easat-10376	87	8	moderator	moderator	NOUN
easat-10376	87	9	people	people	NOUN
easat-10376	87	10	believe	believe	VERB
easat-10376	87	11	that	that	SCONJ
easat-10376	87	12	financial	financial	ADJ
easat-10376	87	13	regulators	regulator	NOUN
easat-10376	87	14	supply	supply	VERB
easat-10376	87	15	clear	clear	ADJ
easat-10376	87	16	and	and	CCONJ
easat-10376	87	17	safe	safe	ADJ
easat-10376	87	18	guidelines	guideline	NOUN
easat-10376	87	19	for	for	ADP
easat-10376	87	20	companies	company	NOUN
easat-10376	87	21	in	in	ADP
easat-10376	87	22	the	the	DET
easat-10376	87	23	fintech	fintech	NOUN
easat-10376	87	24	industry	industry	NOUN
easat-10376	88	1	[	[	X
easat-10376	88	2	38	38	NUM
easat-10376	88	3	]	]	PUNCT
easat-10376	88	4	.	.	PUNCT
easat-10376	89	1	earlier	early	ADV
easat-10376	89	2	,	,	PUNCT
easat-10376	89	3	the	the	DET
easat-10376	89	4	control	control	NOUN
easat-10376	89	5	over	over	ADP
easat-10376	89	6	digital	digital	ADJ
easat-10376	89	7	finance	finance	NOUN
easat-10376	89	8	in	in	ADP
easat-10376	89	9	pakistan	pakistan	PROPN
easat-10376	89	10	was	be	AUX
easat-10376	89	11	unclear	unclear	ADJ
easat-10376	89	12	,	,	PUNCT
easat-10376	89	13	but	but	CCONJ
easat-10376	89	14	recent	recent	ADJ
easat-10376	89	15	plans	plan	NOUN
easat-10376	89	16	from	from	ADP
easat-10376	89	17	the	the	DET
easat-10376	89	18	state	state	NOUN
easat-10376	89	19	bank	bank	PROPN
easat-10376	89	20	of	of	ADP
easat-10376	89	21	pakistan	pakistan	PROPN
easat-10376	89	22	(	(	PUNCT
easat-10376	89	23	sbp	sbp	NOUN
easat-10376	89	24	)	)	PUNCT
easat-10376	89	25	have	have	AUX
easat-10376	89	26	enhanced	enhance	VERB
easat-10376	89	27	users	user	NOUN
easat-10376	89	28	'	'	PART
easat-10376	89	29	trust	trust	NOUN
easat-10376	89	30	.	.	PUNCT
easat-10376	90	1	tighter	tight	ADJ
easat-10376	90	2	rules	rule	NOUN
easat-10376	90	3	may	may	AUX
easat-10376	90	4	give	give	VERB
easat-10376	90	5	more	more	ADJ
easat-10376	90	6	people	people	NOUN
easat-10376	90	7	a	a	DET
easat-10376	90	8	reason	reason	NOUN
easat-10376	90	9	to	to	PART
easat-10376	90	10	use	use	VERB
easat-10376	90	11	fintech	fintech	NOUN
easat-10376	90	12	solutions	solution	NOUN
easat-10376	90	13	[	[	X
easat-10376	90	14	39	39	NUM
easat-10376	90	15	]	]	PUNCT
easat-10376	90	16	.	.	PUNCT
easat-10376	91	1	h4a	h4a	PROPN
easat-10376	91	2	:	:	PUNCT
easat-10376	91	3	perceived	perceive	VERB
easat-10376	91	4	regulatory	regulatory	ADJ
easat-10376	91	5	support	support	NOUN
easat-10376	91	6	moderates	moderate	VERB
easat-10376	91	7	the	the	DET
easat-10376	91	8	relationship	relationship	NOUN
easat-10376	91	9	between	between	ADP
easat-10376	91	10	fintech	fintech	NOUN
easat-10376	91	11	use	use	NOUN
easat-10376	91	12	and	and	CCONJ
easat-10376	91	13	financial	financial	ADJ
easat-10376	91	14	inclusion	inclusion	NOUN
easat-10376	91	15	,	,	PUNCT
easat-10376	91	16	such	such	ADJ
easat-10376	91	17	that	that	SCONJ
easat-10376	91	18	higher	high	ADJ
easat-10376	91	19	(	(	PUNCT
easat-10376	91	20	lower	low	ADJ
easat-10376	91	21	)	)	PUNCT
easat-10376	91	22	levels	level	NOUN
easat-10376	91	23	of	of	ADP
easat-10376	91	24	perceived	perceive	VERB
easat-10376	91	25	regulatory	regulatory	ADJ
easat-10376	91	26	support	support	NOUN
easat-10376	91	27	strengthen	strengthen	NOUN
easat-10376	91	28	(	(	PUNCT
easat-10376	91	29	weaken	weaken	VERB
easat-10376	91	30	)	)	PUNCT
easat-10376	91	31	this	this	DET
easat-10376	91	32	relationship	relationship	NOUN
easat-10376	91	33	.	.	PUNCT
easat-10376	92	1	163	163	NUM
easat-10376	92	2	edelweiss	edelweiss	PROPN
easat-10376	92	3	applied	apply	VERB
easat-10376	92	4	science	science	NOUN
easat-10376	92	5	and	and	CCONJ
easat-10376	92	6	technology	technology	NOUN
easat-10376	92	7	issn	issn	PROPN
easat-10376	92	8	:	:	PUNCT
easat-10376	92	9	2576	2576	NUM
easat-10376	92	10	-	-	SYM
easat-10376	92	11	8484	8484	NUM
easat-10376	92	12	vol	vol	NOUN
easat-10376	92	13	.	.	PROPN
easat-10376	93	1	9	9	NUM
easat-10376	93	2	,	,	PUNCT
easat-10376	93	3	no	no	INTJ
easat-10376	93	4	.	.	NOUN
easat-10376	93	5	10	10	NUM
easat-10376	93	6	:	:	PUNCT
easat-10376	93	7	160	160	NUM
easat-10376	93	8	-	-	SYM
easat-10376	93	9	169	169	NUM
easat-10376	93	10	,	,	PUNCT
easat-10376	93	11	2025	2025	NUM
easat-10376	93	12	doi	doi	NOUN
easat-10376	93	13	:	:	PUNCT
easat-10376	93	14	10.55214/2576	10.55214/2576	NUM
easat-10376	93	15	-	-	PUNCT
easat-10376	93	16	8484.v9i10.10376	8484.v9i10.10376	NUM
easat-10376	93	17	©	©	PROPN
easat-10376	93	18	2025	2025	NUM
easat-10376	93	19	by	by	ADP
easat-10376	93	20	the	the	DET
easat-10376	93	21	authors	author	NOUN
easat-10376	93	22	;	;	PUNCT
easat-10376	94	1	licensee	licensee	PROPN
easat-10376	94	2	learning	learn	VERB
easat-10376	94	3	gate	gate	NOUN
easat-10376	94	4	figure	figure	NOUN
easat-10376	94	5	1	1	NUM
easat-10376	94	6	.	.	PUNCT
easat-10376	94	7	conceptual	conceptual	ADJ
easat-10376	94	8	framework	framework	NOUN
easat-10376	94	9	.	.	PUNCT
easat-10376	95	1	3	3	X
easat-10376	95	2	.	.	X
easat-10376	95	3	research	research	NOUN
easat-10376	95	4	methodology	methodology	NOUN
easat-10376	95	5	3.1	3.1	NUM
easat-10376	95	6	.	.	PUNCT
easat-10376	96	1	measurement	measurement	NOUN
easat-10376	96	2	development	development	NOUN
easat-10376	96	3	for	for	ADP
easat-10376	96	4	the	the	DET
easat-10376	96	5	objectives	objective	NOUN
easat-10376	96	6	to	to	PART
easat-10376	96	7	be	be	AUX
easat-10376	96	8	achieved	achieve	VERB
easat-10376	96	9	,	,	PUNCT
easat-10376	96	10	we	we	PRON
easat-10376	96	11	formed	form	VERB
easat-10376	96	12	a	a	DET
easat-10376	96	13	detailed	detailed	ADJ
easat-10376	96	14	research	research	NOUN
easat-10376	96	15	framework	framework	NOUN
easat-10376	96	16	(	(	PUNCT
easat-10376	96	17	as	as	SCONJ
easat-10376	96	18	shown	show	VERB
easat-10376	96	19	in	in	ADP
easat-10376	96	20	figure	figure	NOUN
easat-10376	96	21	1	1	NUM
easat-10376	96	22	)	)	PUNCT
easat-10376	96	23	.	.	PUNCT
easat-10376	97	1	seven	seven	NUM
easat-10376	97	2	constructs	construct	NOUN
easat-10376	97	3	were	be	AUX
easat-10376	97	4	used	use	VERB
easat-10376	97	5	in	in	ADP
easat-10376	97	6	this	this	DET
easat-10376	97	7	study	study	NOUN
easat-10376	97	8	,	,	PUNCT
easat-10376	97	9	and	and	CCONJ
easat-10376	97	10	each	each	PRON
easat-10376	97	11	was	be	AUX
easat-10376	97	12	measured	measure	VERB
easat-10376	97	13	by	by	ADP
easat-10376	97	14	items	item	NOUN
easat-10376	97	15	taken	take	VERB
easat-10376	97	16	from	from	ADP
easat-10376	97	17	validated	validate	VERB
easat-10376	97	18	scales	scale	NOUN
easat-10376	97	19	that	that	PRON
easat-10376	97	20	have	have	AUX
easat-10376	97	21	been	be	AUX
easat-10376	97	22	used	use	VERB
easat-10376	97	23	in	in	ADP
easat-10376	97	24	past	past	ADJ
easat-10376	97	25	research	research	NOUN
easat-10376	97	26	.	.	PUNCT
easat-10376	98	1	singh	singh	PROPN
easat-10376	98	2	and	and	CCONJ
easat-10376	98	3	srivastava	srivastava	PROPN
easat-10376	99	1	[	[	X
easat-10376	99	2	40	40	NUM
easat-10376	99	3	]	]	PUNCT
easat-10376	99	4	and	and	CCONJ
easat-10376	99	5	kumar	kumar	PROPN
easat-10376	99	6	et	et	PROPN
easat-10376	99	7	al	al	PROPN
easat-10376	99	8	.	.	PUNCT
easat-10376	100	1	[	[	X
easat-10376	100	2	41	41	NUM
easat-10376	100	3	]	]	X
easat-10376	100	4	items	item	NOUN
easat-10376	100	5	were	be	AUX
easat-10376	100	6	used	use	VERB
easat-10376	100	7	to	to	PART
easat-10376	100	8	measure	measure	VERB
easat-10376	100	9	trust	trust	NOUN
easat-10376	100	10	and	and	CCONJ
easat-10376	100	11	perceived	perceive	VERB
easat-10376	100	12	security	security	NOUN
easat-10376	100	13	was	be	AUX
easat-10376	100	14	measured	measure	VERB
easat-10376	100	15	using	use	VERB
easat-10376	100	16	questions	question	NOUN
easat-10376	100	17	from	from	ADP
easat-10376	100	18	george	george	NOUN
easat-10376	100	19	and	and	CCONJ
easat-10376	100	20	sunny	sunny	ADJ
easat-10376	100	21	[	[	X
easat-10376	100	22	27	27	NUM
easat-10376	100	23	]	]	PUNCT
easat-10376	100	24	.	.	PUNCT
easat-10376	101	1	based	base	VERB
easat-10376	101	2	on	on	ADP
easat-10376	101	3	the	the	DET
easat-10376	101	4	work	work	NOUN
easat-10376	101	5	of	of	ADP
easat-10376	101	6	zhou	zhou	PROPN
easat-10376	101	7	[	[	X
easat-10376	101	8	42	42	NUM
easat-10376	101	9	]	]	PUNCT
easat-10376	101	10	,	,	PUNCT
easat-10376	101	11	the	the	DET
easat-10376	101	12	service	service	NOUN
easat-10376	101	13	quality	quality	NOUN
easat-10376	101	14	scale	scale	NOUN
easat-10376	101	15	was	be	AUX
easat-10376	101	16	used	use	VERB
easat-10376	101	17	and	and	CCONJ
easat-10376	101	18	the	the	DET
easat-10376	101	19	perceived	perceive	VERB
easat-10376	101	20	regulatory	regulatory	ADJ
easat-10376	101	21	support	support	NOUN
easat-10376	101	22	items	item	NOUN
easat-10376	101	23	were	be	AUX
easat-10376	101	24	adapted	adapt	VERB
easat-10376	101	25	from	from	ADP
easat-10376	101	26	chandra	chandra	PROPN
easat-10376	101	27	et	et	PROPN
easat-10376	101	28	al	al	PROPN
easat-10376	101	29	.	.	PUNCT
easat-10376	102	1	[	[	X
easat-10376	102	2	30	30	NUM
easat-10376	102	3	]	]	PUNCT
easat-10376	102	4	.	.	PUNCT
easat-10376	103	1	according	accord	VERB
easat-10376	103	2	to	to	ADP
easat-10376	103	3	the	the	DET
easat-10376	103	4	scale	scale	NOUN
easat-10376	103	5	developed	develop	VERB
easat-10376	103	6	by	by	ADP
easat-10376	103	7	venkatesh	venkatesh	PROPN
easat-10376	103	8	et	et	PROPN
easat-10376	103	9	al	al	PROPN
easat-10376	103	10	.	.	PUNCT
easat-10376	104	1	[	[	X
easat-10376	104	2	43	43	NUM
easat-10376	104	3	]	]	PUNCT
easat-10376	104	4	,	,	PUNCT
easat-10376	104	5	users	user	NOUN
easat-10376	104	6	’	'	PUNCT
easat-10376	104	7	fintech	fintech	NOUN
easat-10376	104	8	experience	experience	NOUN
easat-10376	104	9	was	be	AUX
easat-10376	104	10	measured	measure	VERB
easat-10376	104	11	through	through	ADP
easat-10376	104	12	digital	digital	ADJ
easat-10376	104	13	payments	payment	NOUN
easat-10376	104	14	,	,	PUNCT
easat-10376	104	15	wealth	wealth	NOUN
easat-10376	104	16	management	management	NOUN
easat-10376	104	17	,	,	PUNCT
easat-10376	104	18	credit	credit	NOUN
easat-10376	104	19	services	service	NOUN
easat-10376	104	20	,	,	PUNCT
easat-10376	104	21	and	and	CCONJ
easat-10376	104	22	insurance	insurance	NOUN
easat-10376	104	23	services	service	NOUN
easat-10376	104	24	.	.	PUNCT
easat-10376	105	1	besides	besides	SCONJ
easat-10376	105	2	using	use	VERB
easat-10376	105	3	fintech	fintech	NOUN
easat-10376	105	4	for	for	ADP
easat-10376	105	5	payments	payment	NOUN
easat-10376	105	6	,	,	PUNCT
easat-10376	105	7	i	i	PRON
easat-10376	105	8	also	also	ADV
easat-10376	105	9	like	like	VERB
easat-10376	105	10	to	to	PART
easat-10376	105	11	invest	invest	VERB
easat-10376	105	12	using	use	VERB
easat-10376	105	13	the	the	DET
easat-10376	105	14	different	different	ADJ
easat-10376	105	15	apps	app	NOUN
easat-10376	105	16	available	available	ADJ
easat-10376	105	17	.	.	PUNCT
easat-10376	106	1	xia	xia	PROPN
easat-10376	106	2	et	et	PROPN
easat-10376	106	3	al	al	PROPN
easat-10376	106	4	.	.	PUNCT
easat-10376	107	1	[	[	X
easat-10376	107	2	44	44	NUM
easat-10376	107	3	]	]	PUNCT
easat-10376	107	4	and	and	CCONJ
easat-10376	107	5	xie	xie	PROPN
easat-10376	107	6	et	et	PROPN
easat-10376	107	7	al	al	PROPN
easat-10376	107	8	.	.	PUNCT
easat-10376	108	1	[	[	X
easat-10376	108	2	45	45	NUM
easat-10376	108	3	]	]	PUNCT
easat-10376	108	4	are	be	AUX
easat-10376	108	5	among	among	ADP
easat-10376	108	6	the	the	DET
easat-10376	108	7	recent	recent	ADJ
easat-10376	108	8	studies	study	NOUN
easat-10376	108	9	that	that	PRON
easat-10376	108	10	have	have	AUX
easat-10376	108	11	looked	look	VERB
easat-10376	108	12	at	at	ADP
easat-10376	108	13	these	these	DET
easat-10376	108	14	measures	measure	NOUN
easat-10376	108	15	in	in	ADP
easat-10376	108	16	similar	similar	ADJ
easat-10376	108	17	emergent	emergent	ADJ
easat-10376	108	18	situations	situation	NOUN
easat-10376	108	19	.	.	PUNCT
easat-10376	109	1	questions	question	NOUN
easat-10376	109	2	about	about	ADP
easat-10376	109	3	dfl	dfl	PROPN
easat-10376	109	4	were	be	AUX
easat-10376	109	5	taken	take	VERB
easat-10376	109	6	from	from	ADP
easat-10376	109	7	ravikumar	ravikumar	PROPN
easat-10376	109	8	et	et	PROPN
easat-10376	109	9	al	al	PROPN
easat-10376	109	10	.	.	PUNCT
easat-10376	110	1	[	[	X
easat-10376	110	2	8	8	NUM
easat-10376	110	3	]	]	PUNCT
easat-10376	110	4	,	,	PUNCT
easat-10376	110	5	and	and	CCONJ
easat-10376	110	6	questions	question	NOUN
easat-10376	110	7	about	about	ADP
easat-10376	110	8	financial	financial	ADJ
easat-10376	110	9	inclusion	inclusion	NOUN
easat-10376	110	10	were	be	AUX
easat-10376	110	11	taken	take	VERB
easat-10376	110	12	from	from	ADP
easat-10376	110	13	okello	okello	NOUN
easat-10376	110	14	candiya	candiya	NOUN
easat-10376	110	15	bongomin	bongomin	NOUN
easat-10376	110	16	and	and	CCONJ
easat-10376	110	17	ntayi	ntayi	ADV
easat-10376	110	18	[	[	X
easat-10376	110	19	46	46	NUM
easat-10376	110	20	]	]	PUNCT
easat-10376	110	21	.	.	PUNCT
easat-10376	111	1	all	all	DET
easat-10376	111	2	the	the	DET
easat-10376	111	3	items	item	NOUN
easat-10376	111	4	were	be	AUX
easat-10376	111	5	asked	ask	VERB
easat-10376	111	6	on	on	ADP
easat-10376	111	7	a	a	DET
easat-10376	111	8	scale	scale	NOUN
easat-10376	111	9	where	where	SCONJ
easat-10376	111	10	strongly	strongly	ADV
easat-10376	111	11	disagree	disagree	VERB
easat-10376	111	12	is	be	AUX
easat-10376	111	13	1	1	NUM
easat-10376	111	14	and	and	CCONJ
easat-10376	111	15	strongly	strongly	ADV
easat-10376	111	16	agree	agree	VERB
easat-10376	111	17	is	be	AUX
easat-10376	111	18	5	5	NUM
easat-10376	111	19	.	.	PUNCT
easat-10376	111	20	respondents	respondent	NOUN
easat-10376	111	21	first	first	ADV
easat-10376	111	22	filled	fill	VERB
easat-10376	111	23	out	out	ADP
easat-10376	111	24	a	a	DET
easat-10376	111	25	section	section	NOUN
easat-10376	111	26	with	with	ADP
easat-10376	111	27	demographic	demographic	ADJ
easat-10376	111	28	questions	question	NOUN
easat-10376	111	29	,	,	PUNCT
easat-10376	111	30	and	and	CCONJ
easat-10376	111	31	then	then	ADV
easat-10376	111	32	they	they	PRON
easat-10376	111	33	answered	answer	VERB
easat-10376	111	34	the	the	DET
easat-10376	111	35	questions	question	NOUN
easat-10376	111	36	about	about	ADP
easat-10376	111	37	the	the	DET
easat-10376	111	38	study	study	NOUN
easat-10376	111	39	’s	’s	PART
easat-10376	111	40	various	various	ADJ
easat-10376	111	41	variables	variable	NOUN
easat-10376	111	42	.	.	PUNCT
easat-10376	112	1	those	those	PRON
easat-10376	112	2	who	who	PRON
easat-10376	112	3	agreed	agree	VERB
easat-10376	112	4	to	to	PART
easat-10376	112	5	participate	participate	VERB
easat-10376	112	6	in	in	ADP
easat-10376	112	7	the	the	DET
easat-10376	112	8	study	study	NOUN
easat-10376	112	9	were	be	AUX
easat-10376	112	10	provided	provide	VERB
easat-10376	112	11	with	with	ADP
easat-10376	112	12	privacy	privacy	NOUN
easat-10376	112	13	and	and	CCONJ
easat-10376	112	14	confidentiality	confidentiality	NOUN
easat-10376	112	15	.	.	PUNCT
easat-10376	113	1	two	two	NUM
easat-10376	113	2	fintech	fintech	NOUN
easat-10376	113	3	experts	expert	NOUN
easat-10376	113	4	and	and	CCONJ
easat-10376	113	5	four	four	NUM
easat-10376	113	6	academics	academic	NOUN
easat-10376	113	7	reviewed	review	VERB
easat-10376	113	8	the	the	DET
easat-10376	113	9	questionnaire	questionnaire	NOUN
easat-10376	113	10	to	to	PART
easat-10376	113	11	ensure	ensure	VERB
easat-10376	113	12	its	its	PRON
easat-10376	113	13	appropriateness	appropriateness	NOUN
easat-10376	113	14	for	for	ADP
easat-10376	113	15	pakistan	pakistan	PROPN
easat-10376	113	16	.	.	PUNCT
easat-10376	114	1	thirty	thirty	NUM
easat-10376	114	2	participants	participant	NOUN
easat-10376	114	3	were	be	AUX
easat-10376	114	4	tested	test	VERB
easat-10376	114	5	in	in	ADP
easat-10376	114	6	a	a	DET
easat-10376	114	7	pilot	pilot	NOUN
easat-10376	114	8	study	study	NOUN
easat-10376	114	9	to	to	PART
easat-10376	114	10	assess	assess	VERB
easat-10376	114	11	the	the	DET
easat-10376	114	12	accuracy	accuracy	NOUN
easat-10376	114	13	and	and	CCONJ
easat-10376	114	14	ease	ease	NOUN
easat-10376	114	15	of	of	ADP
easat-10376	114	16	use	use	NOUN
easat-10376	114	17	of	of	ADP
easat-10376	114	18	the	the	DET
easat-10376	114	19	scale	scale	NOUN
easat-10376	114	20	.	.	PUNCT
easat-10376	115	1	the	the	DET
easat-10376	115	2	feedback	feedback	NOUN
easat-10376	115	3	allowed	allow	VERB
easat-10376	115	4	me	i	PRON
easat-10376	115	5	to	to	PART
easat-10376	115	6	modify	modify	VERB
easat-10376	115	7	the	the	DET
easat-10376	115	8	wording	wording	NOUN
easat-10376	115	9	and	and	CCONJ
easat-10376	115	10	the	the	DET
easat-10376	115	11	order	order	NOUN
easat-10376	115	12	of	of	ADP
easat-10376	115	13	the	the	DET
easat-10376	115	14	questions	question	NOUN
easat-10376	115	15	.	.	PUNCT
easat-10376	116	1	164	164	NUM
easat-10376	116	2	edelweiss	edelweiss	PROPN
easat-10376	116	3	applied	apply	VERB
easat-10376	116	4	science	science	NOUN
easat-10376	116	5	and	and	CCONJ
easat-10376	116	6	technology	technology	NOUN
easat-10376	116	7	issn	issn	PROPN
easat-10376	116	8	:	:	PUNCT
easat-10376	116	9	2576	2576	NUM
easat-10376	116	10	-	-	SYM
easat-10376	116	11	8484	8484	NUM
easat-10376	116	12	vol	vol	NOUN
easat-10376	116	13	.	.	PROPN
easat-10376	117	1	9	9	NUM
easat-10376	117	2	,	,	PUNCT
easat-10376	117	3	no	no	INTJ
easat-10376	117	4	.	.	NOUN
easat-10376	117	5	10	10	NUM
easat-10376	117	6	:	:	PUNCT
easat-10376	117	7	160	160	NUM
easat-10376	117	8	-	-	SYM
easat-10376	117	9	169	169	NUM
easat-10376	117	10	,	,	PUNCT
easat-10376	117	11	2025	2025	NUM
easat-10376	117	12	doi	doi	NOUN
easat-10376	117	13	:	:	PUNCT
easat-10376	117	14	10.55214/2576	10.55214/2576	NUM
easat-10376	117	15	-	-	PUNCT
easat-10376	117	16	8484.v9i10.10376	8484.v9i10.10376	NUM
easat-10376	117	17	©	©	PROPN
easat-10376	117	18	2025	2025	NUM
easat-10376	117	19	by	by	ADP
easat-10376	117	20	the	the	DET
easat-10376	117	21	authors	author	NOUN
easat-10376	117	22	;	;	PUNCT
easat-10376	117	23	licensee	licensee	PROPN
easat-10376	117	24	learning	learning	NOUN
easat-10376	117	25	gate	gate	NOUN
easat-10376	117	26	3.2	3.2	NUM
easat-10376	117	27	.	.	PUNCT
easat-10376	118	1	sample	sample	NOUN
easat-10376	118	2	and	and	CCONJ
easat-10376	118	3	data	datum	NOUN
easat-10376	118	4	collection	collection	NOUN
easat-10376	118	5	the	the	DET
easat-10376	118	6	purpose	purpose	NOUN
easat-10376	118	7	of	of	ADP
easat-10376	118	8	the	the	DET
easat-10376	118	9	study	study	NOUN
easat-10376	118	10	was	be	AUX
easat-10376	118	11	to	to	PART
easat-10376	118	12	examine	examine	VERB
easat-10376	118	13	the	the	DET
easat-10376	118	14	pattern	pattern	NOUN
easat-10376	118	15	of	of	ADP
easat-10376	118	16	use	use	NOUN
easat-10376	118	17	among	among	ADP
easat-10376	118	18	people	people	NOUN
easat-10376	118	19	who	who	PRON
easat-10376	118	20	are	be	AUX
easat-10376	118	21	currently	currently	ADV
easat-10376	118	22	using	use	VERB
easat-10376	118	23	fintech	fintech	NOUN
easat-10376	118	24	services	service	NOUN
easat-10376	118	25	in	in	ADP
easat-10376	118	26	pakistan	pakistan	PROPN
easat-10376	118	27	.	.	PUNCT
easat-10376	119	1	there	there	PRON
easat-10376	119	2	was	be	VERB
easat-10376	119	3	no	no	DET
easat-10376	119	4	official	official	ADJ
easat-10376	119	5	list	list	NOUN
easat-10376	119	6	of	of	ADP
easat-10376	119	7	fintech	fintech	NOUN
easat-10376	119	8	users	user	NOUN
easat-10376	119	9	,	,	PUNCT
easat-10376	119	10	and	and	CCONJ
easat-10376	119	11	that	that	PRON
easat-10376	119	12	is	be	AUX
easat-10376	119	13	why	why	SCONJ
easat-10376	119	14	convenience	convenience	NOUN
easat-10376	119	15	sampling	sampling	NOUN
easat-10376	119	16	was	be	AUX
easat-10376	119	17	chosen	choose	VERB
easat-10376	119	18	,	,	PUNCT
easat-10376	119	19	as	as	SCONJ
easat-10376	119	20	it	it	PRON
easat-10376	119	21	is	be	AUX
easat-10376	119	22	a	a	DET
easat-10376	119	23	widely	widely	ADV
easat-10376	119	24	used	use	VERB
easat-10376	119	25	method	method	NOUN
easat-10376	119	26	in	in	ADP
easat-10376	119	27	similar	similar	ADJ
easat-10376	119	28	studies	study	NOUN
easat-10376	119	29	alrawad	alrawad	NOUN
easat-10376	119	30	et	et	NOUN
easat-10376	119	31	al	al	PROPN
easat-10376	119	32	.	.	PUNCT
easat-10376	120	1	[	[	X
easat-10376	120	2	13	13	NUM
easat-10376	120	3	]	]	PUNCT
easat-10376	120	4	.	.	PUNCT
easat-10376	121	1	from	from	ADP
easat-10376	121	2	september	september	PROPN
easat-10376	121	3	to	to	ADP
easat-10376	121	4	november	november	PROPN
easat-10376	121	5	2023	2023	NUM
easat-10376	121	6	,	,	PUNCT
easat-10376	121	7	data	datum	NOUN
easat-10376	121	8	were	be	AUX
easat-10376	121	9	gathered	gather	VERB
easat-10376	121	10	for	for	ADP
easat-10376	121	11	this	this	DET
easat-10376	121	12	work	work	NOUN
easat-10376	121	13	.	.	PUNCT
easat-10376	122	1	due	due	ADP
easat-10376	122	2	to	to	ADP
easat-10376	122	3	logistical	logistical	ADJ
easat-10376	122	4	challenges	challenge	NOUN
easat-10376	122	5	and	and	CCONJ
easat-10376	122	6	the	the	DET
easat-10376	122	7	fact	fact	NOUN
easat-10376	122	8	that	that	SCONJ
easat-10376	122	9	most	most	ADJ
easat-10376	122	10	fintech	fintech	NOUN
easat-10376	122	11	users	user	NOUN
easat-10376	122	12	live	live	VERB
easat-10376	122	13	in	in	ADP
easat-10376	122	14	various	various	ADJ
easat-10376	122	15	regions	region	NOUN
easat-10376	122	16	,	,	PUNCT
easat-10376	122	17	data	datum	NOUN
easat-10376	122	18	collection	collection	NOUN
easat-10376	122	19	was	be	AUX
easat-10376	122	20	conducted	conduct	VERB
easat-10376	122	21	via	via	ADP
easat-10376	122	22	google	google	PROPN
easat-10376	122	23	forms	form	NOUN
easat-10376	122	24	.	.	PUNCT
easat-10376	123	1	participants	participant	NOUN
easat-10376	123	2	could	could	AUX
easat-10376	123	3	access	access	VERB
easat-10376	123	4	the	the	DET
easat-10376	123	5	survey	survey	NOUN
easat-10376	123	6	through	through	ADP
easat-10376	123	7	a	a	DET
easat-10376	123	8	clickable	clickable	ADJ
easat-10376	123	9	link	link	NOUN
easat-10376	123	10	shared	share	VERB
easat-10376	123	11	on	on	ADP
easat-10376	123	12	digital	digital	ADJ
easat-10376	123	13	platforms	platform	NOUN
easat-10376	123	14	such	such	ADJ
easat-10376	123	15	as	as	ADP
easat-10376	123	16	whatsapp	whatsapp	NOUN
easat-10376	123	17	,	,	PUNCT
easat-10376	123	18	facebook	facebook	NOUN
easat-10376	123	19	,	,	PUNCT
easat-10376	123	20	linkedin	linkedin	NOUN
easat-10376	123	21	,	,	PUNCT
easat-10376	123	22	and	and	CCONJ
easat-10376	123	23	email	email	NOUN
easat-10376	123	24	.	.	PUNCT
easat-10376	124	1	the	the	DET
easat-10376	124	2	snowball	snowball	NOUN
easat-10376	124	3	sampling	sampling	NOUN
easat-10376	124	4	method	method	NOUN
easat-10376	124	5	was	be	AUX
easat-10376	124	6	employed	employ	VERB
easat-10376	124	7	,	,	PUNCT
easat-10376	124	8	whereby	whereby	SCONJ
easat-10376	124	9	initial	initial	ADJ
easat-10376	124	10	survey	survey	NOUN
easat-10376	124	11	participants	participant	NOUN
easat-10376	124	12	were	be	AUX
easat-10376	124	13	asked	ask	VERB
easat-10376	124	14	to	to	PART
easat-10376	124	15	encourage	encourage	VERB
easat-10376	124	16	other	other	ADJ
easat-10376	124	17	fintech	fintech	NOUN
easat-10376	124	18	users	user	NOUN
easat-10376	124	19	within	within	ADP
easat-10376	124	20	their	their	PRON
easat-10376	124	21	network	network	NOUN
easat-10376	124	22	to	to	PART
easat-10376	124	23	participate	participate	VERB
easat-10376	124	24	.	.	PUNCT
easat-10376	125	1	this	this	DET
easat-10376	125	2	technique	technique	NOUN
easat-10376	125	3	is	be	AUX
easat-10376	125	4	commonly	commonly	ADV
easat-10376	125	5	used	use	VERB
easat-10376	125	6	in	in	ADP
easat-10376	125	7	both	both	CCONJ
easat-10376	125	8	academic	academic	ADJ
easat-10376	125	9	and	and	CCONJ
easat-10376	125	10	market	market	NOUN
easat-10376	125	11	research	research	NOUN
easat-10376	125	12	projects	project	NOUN
easat-10376	125	13	in	in	ADP
easat-10376	125	14	pakistan	pakistan	PROPN
easat-10376	125	15	,	,	PUNCT
easat-10376	125	16	especially	especially	ADV
easat-10376	125	17	during	during	ADP
easat-10376	125	18	the	the	DET
easat-10376	125	19	covid-19	covid-19	PROPN
easat-10376	125	20	pandemic	pandemic	NOUN
easat-10376	125	21	.	.	PUNCT
easat-10376	126	1	a	a	DET
easat-10376	126	2	total	total	NOUN
easat-10376	126	3	of	of	ADP
easat-10376	126	4	600	600	NUM
easat-10376	126	5	complete	complete	ADJ
easat-10376	126	6	and	and	CCONJ
easat-10376	126	7	valid	valid	ADJ
easat-10376	126	8	responses	response	NOUN
easat-10376	126	9	were	be	AUX
easat-10376	126	10	obtained	obtain	VERB
easat-10376	126	11	.	.	PUNCT
easat-10376	127	1	google	google	PROPN
easat-10376	127	2	forms	form	NOUN
easat-10376	127	3	ensured	ensure	VERB
easat-10376	127	4	that	that	SCONJ
easat-10376	127	5	participants	participant	NOUN
easat-10376	127	6	could	could	AUX
easat-10376	127	7	not	not	PART
easat-10376	127	8	skip	skip	VERB
easat-10376	127	9	questions	question	NOUN
easat-10376	127	10	or	or	CCONJ
easat-10376	127	11	submit	submit	VERB
easat-10376	127	12	incomplete	incomplete	ADJ
easat-10376	127	13	surveys	survey	NOUN
easat-10376	127	14	.	.	PUNCT
easat-10376	128	1	based	base	VERB
easat-10376	128	2	on	on	ADP
easat-10376	128	3	g*power	g*power	PROPN
easat-10376	128	4	3.1	3.1	NUM
easat-10376	128	5	calculations	calculation	NOUN
easat-10376	128	6	,	,	PUNCT
easat-10376	128	7	138	138	NUM
easat-10376	128	8	responses	response	NOUN
easat-10376	128	9	were	be	AUX
easat-10376	128	10	required	require	VERB
easat-10376	128	11	to	to	PART
easat-10376	128	12	achieve	achieve	VERB
easat-10376	128	13	a	a	DET
easat-10376	128	14	statistical	statistical	ADJ
easat-10376	128	15	power	power	NOUN
easat-10376	128	16	ranging	range	VERB
easat-10376	128	17	from	from	ADP
easat-10376	128	18	0.95	0.95	NUM
easat-10376	128	19	to	to	ADP
easat-10376	128	20	0.99	0.99	NUM
easat-10376	128	21	with	with	ADP
easat-10376	128	22	an	an	DET
easat-10376	128	23	effect	effect	NOUN
easat-10376	128	24	size	size	NOUN
easat-10376	128	25	of	of	ADP
easat-10376	128	26	0.15	0.15	NUM
easat-10376	128	27	for	for	ADP
easat-10376	128	28	the	the	DET
easat-10376	128	29	predictor	predictor	NOUN
easat-10376	128	30	model	model	NOUN
easat-10376	128	31	,	,	PUNCT
easat-10376	128	32	which	which	PRON
easat-10376	128	33	included	include	VERB
easat-10376	128	34	five	five	NUM
easat-10376	128	35	elements	element	NOUN
easat-10376	128	36	.	.	PUNCT
easat-10376	129	1	the	the	DET
easat-10376	129	2	team	team	NOUN
easat-10376	129	3	collected	collect	VERB
easat-10376	129	4	four	four	NUM
easat-10376	129	5	times	time	NOUN
easat-10376	129	6	the	the	DET
easat-10376	129	7	necessary	necessary	ADJ
easat-10376	129	8	sample	sample	NOUN
easat-10376	129	9	size	size	NOUN
easat-10376	129	10	,	,	PUNCT
easat-10376	129	11	ensuring	ensure	VERB
easat-10376	129	12	a	a	DET
easat-10376	129	13	comprehensive	comprehensive	ADJ
easat-10376	129	14	analysis	analysis	NOUN
easat-10376	129	15	.	.	PUNCT
easat-10376	130	1	no	no	DET
easat-10376	130	2	significant	significant	ADJ
easat-10376	130	3	differences	difference	NOUN
easat-10376	130	4	were	be	AUX
easat-10376	130	5	found	find	VERB
easat-10376	130	6	when	when	SCONJ
easat-10376	130	7	comparing	compare	VERB
easat-10376	130	8	the	the	DET
easat-10376	130	9	first	first	ADJ
easat-10376	130	10	75	75	NUM
easat-10376	130	11	responses	response	NOUN
easat-10376	130	12	to	to	ADP
easat-10376	130	13	the	the	DET
easat-10376	130	14	last	last	ADJ
easat-10376	130	15	75	75	NUM
easat-10376	130	16	responses	response	NOUN
easat-10376	130	17	across	across	ADP
easat-10376	130	18	all	all	DET
easat-10376	130	19	variables	variable	NOUN
easat-10376	130	20	.	.	PUNCT
easat-10376	131	1	table	table	NOUN
easat-10376	131	2	1	1	NUM
easat-10376	131	3	.	.	PUNCT
easat-10376	131	4	demographic	demographic	ADJ
easat-10376	131	5	characteristics	characteristic	NOUN
easat-10376	131	6	.	.	PUNCT
easat-10376	132	1	demographic	demographic	ADJ
easat-10376	132	2	variable	variable	ADJ
easat-10376	132	3	groups	group	NOUN
easat-10376	132	4	frequency	frequency	VERB
easat-10376	132	5	percentage	percentage	NOUN
easat-10376	132	6	(	(	PUNCT
easat-10376	132	7	%	%	NOUN
easat-10376	132	8	)	)	PUNCT
easat-10376	132	9	gender	gender	NOUN
easat-10376	132	10	male	male	NOUN
easat-10376	132	11	310	310	NUM
easat-10376	132	12	51.67	51.67	NUM
easat-10376	132	13	female	female	ADJ
easat-10376	132	14	290	290	NUM
easat-10376	132	15	48.33	48.33	NUM
easat-10376	132	16	age	age	NOUN
easat-10376	132	17	(	(	PUNCT
easat-10376	132	18	in	in	ADP
easat-10376	132	19	years	year	NOUN
easat-10376	132	20	)	)	PUNCT
easat-10376	132	21	18–25	18–25	NUM
easat-10376	132	22	245	245	NUM
easat-10376	132	23	40.83	40.83	NUM
easat-10376	132	24	26–35	26–35	NUM
easat-10376	132	25	200	200	NUM
easat-10376	132	26	33.33	33.33	NUM
easat-10376	132	27	36–45	36–45	NUM
easat-10376	132	28	80	80	NUM
easat-10376	132	29	13.33	13.33	NUM
easat-10376	132	30	46–55	46–55	NUM
easat-10376	132	31	50	50	NUM
easat-10376	132	32	8.33	8.33	NUM
easat-10376	132	33	above	above	ADP
easat-10376	132	34	55	55	NUM
easat-10376	132	35	25	25	NUM
easat-10376	132	36	4.17	4.17	NUM
easat-10376	132	37	education	education	NOUN
easat-10376	132	38	level	level	NOUN
easat-10376	132	39	primary	primary	ADJ
easat-10376	132	40	20	20	NUM
easat-10376	132	41	3.33	3.33	NUM
easat-10376	132	42	secondary	secondary	ADJ
easat-10376	132	43	85	85	NUM
easat-10376	132	44	14.17	14.17	NUM
easat-10376	132	45	graduate	graduate	NOUN
easat-10376	132	46	230	230	NUM
easat-10376	132	47	38.33	38.33	NUM
easat-10376	132	48	postgraduate	postgraduate	NOUN
easat-10376	132	49	185	185	NUM
easat-10376	132	50	30.83	30.83	NUM
easat-10376	132	51	professional	professional	ADJ
easat-10376	132	52	qualification	qualification	NOUN
easat-10376	132	53	80	80	NUM
easat-10376	132	54	13.33	13.33	NUM
easat-10376	132	55	residence	residence	NOUN
easat-10376	132	56	rural	rural	ADJ
easat-10376	132	57	350	350	NUM
easat-10376	132	58	58.33	58.33	NUM
easat-10376	132	59	urban	urban	ADJ
easat-10376	132	60	250	250	NUM
easat-10376	132	61	41.67	41.67	NUM
easat-10376	132	62	fintech	fintech	NOUN
easat-10376	132	63	usage	usage	NOUN
easat-10376	132	64	experience	experience	NOUN
easat-10376	132	65	less	less	ADJ
easat-10376	132	66	than	than	ADP
easat-10376	132	67	1	1	NUM
easat-10376	132	68	year	year	NOUN
easat-10376	132	69	50	50	NUM
easat-10376	132	70	8.33	8.33	NUM
easat-10376	132	71	1–3	1–3	NUM
easat-10376	132	72	years	year	NOUN
easat-10376	132	73	120	120	NUM
easat-10376	132	74	20.00	20.00	NUM
easat-10376	132	75	3–5	3–5	NUM
easat-10376	132	76	years	year	NOUN
easat-10376	132	77	135	135	NUM
easat-10376	132	78	22.50	22.50	NUM
easat-10376	132	79	over	over	ADP
easat-10376	132	80	5	5	NUM
easat-10376	132	81	years	year	NOUN
easat-10376	132	82	295	295	NUM
easat-10376	132	83	49.17	49.17	NUM
easat-10376	132	84	usage	usage	NOUN
easat-10376	132	85	frequency	frequency	NOUN
easat-10376	132	86	rare	rare	ADJ
easat-10376	132	87	30	30	NUM
easat-10376	132	88	5.00	5.00	NUM
easat-10376	132	89	sometimes	sometimes	ADV
easat-10376	132	90	120	120	NUM
easat-10376	132	91	20.00	20.00	NUM
easat-10376	132	92	often	often	ADV
easat-10376	132	93	180	180	NUM
easat-10376	132	94	30.00	30.00	NUM
easat-10376	132	95	always	always	ADV
easat-10376	132	96	270	270	NUM
easat-10376	132	97	45.00	45.00	NUM
easat-10376	132	98	4	4	NUM
easat-10376	132	99	.	.	PUNCT
easat-10376	133	1	data	datum	NOUN
easat-10376	133	2	analysis	analysis	NOUN
easat-10376	133	3	and	and	CCONJ
easat-10376	133	4	results	result	VERB
easat-10376	133	5	the	the	DET
easat-10376	133	6	study	study	NOUN
easat-10376	133	7	utilized	utilize	VERB
easat-10376	133	8	pls	pls	INTJ
easat-10376	133	9	-	-	PUNCT
easat-10376	133	10	sem	sem	NOUN
easat-10376	133	11	through	through	ADP
easat-10376	133	12	smartpls	smartpls	NOUN
easat-10376	133	13	4.0	4.0	NUM
easat-10376	133	14	to	to	PART
easat-10376	133	15	test	test	VERB
easat-10376	133	16	the	the	DET
easat-10376	133	17	hypotheses	hypothesis	NOUN
easat-10376	133	18	in	in	ADP
easat-10376	133	19	the	the	DET
easat-10376	133	20	research	research	NOUN
easat-10376	133	21	model	model	NOUN
easat-10376	133	22	,	,	PUNCT
easat-10376	133	23	as	as	SCONJ
easat-10376	133	24	the	the	DET
easat-10376	133	25	method	method	NOUN
easat-10376	133	26	supports	support	VERB
easat-10376	133	27	the	the	DET
easat-10376	133	28	analysis	analysis	NOUN
easat-10376	133	29	of	of	ADP
easat-10376	133	30	both	both	CCONJ
easat-10376	133	31	mediating	mediate	VERB
easat-10376	133	32	and	and	CCONJ
easat-10376	133	33	moderating	moderating	NOUN
easat-10376	133	34	variables	variable	NOUN
easat-10376	134	1	[	[	X
easat-10376	134	2	47	47	NUM
easat-10376	134	3	]	]	PUNCT
easat-10376	134	4	.	.	PUNCT
easat-10376	135	1	4.1	4.1	NUM
easat-10376	135	2	.	.	PUNCT
easat-10376	135	3	common	common	ADJ
easat-10376	135	4	method	method	NOUN
easat-10376	135	5	bias	bias	NOUN
easat-10376	135	6	(	(	PUNCT
easat-10376	135	7	cmb	cmb	PROPN
easat-10376	135	8	)	)	PUNCT
easat-10376	135	9	test	test	NOUN
easat-10376	135	10	data	datum	NOUN
easat-10376	135	11	collection	collection	NOUN
easat-10376	135	12	through	through	ADP
easat-10376	135	13	completed	complete	VERB
easat-10376	135	14	surveys	survey	NOUN
easat-10376	135	15	meant	mean	VERB
easat-10376	135	16	that	that	SCONJ
easat-10376	135	17	the	the	DET
easat-10376	135	18	risk	risk	NOUN
easat-10376	135	19	of	of	ADP
easat-10376	135	20	cmb	cmb	PROPN
easat-10376	135	21	was	be	AUX
easat-10376	135	22	examined	examine	VERB
easat-10376	135	23	.	.	PUNCT
easat-10376	136	1	according	accord	VERB
easat-10376	136	2	to	to	ADP
easat-10376	136	3	harman	harman	PROPN
easat-10376	136	4	’s	’s	PART
easat-10376	136	5	test	test	NOUN
easat-10376	136	6	as	as	SCONJ
easat-10376	136	7	described	describe	VERB
easat-10376	136	8	by	by	ADP
easat-10376	136	9	podsakoff	podsakoff	PROPN
easat-10376	136	10	et	et	PROPN
easat-10376	136	11	al	al	PROPN
easat-10376	136	12	.	.	PROPN
easat-10376	136	13	in	in	ADP
easat-10376	136	14	2003	2003	NUM
easat-10376	136	15	,	,	PUNCT
easat-10376	136	16	none	none	NOUN
easat-10376	136	17	of	of	ADP
easat-10376	136	18	the	the	DET
easat-10376	136	19	single	single	ADJ
easat-10376	136	20	factors	factor	NOUN
easat-10376	136	21	could	could	AUX
easat-10376	136	22	explain	explain	VERB
easat-10376	136	23	more	more	ADJ
easat-10376	136	24	than	than	ADP
easat-10376	136	25	about	about	ADV
easat-10376	136	26	47.8	47.8	NUM
easat-10376	136	27	%	%	NOUN
easat-10376	136	28	of	of	ADP
easat-10376	136	29	the	the	DET
easat-10376	136	30	total	total	ADJ
easat-10376	136	31	variance	variance	NOUN
easat-10376	136	32	,	,	PUNCT
easat-10376	136	33	which	which	PRON
easat-10376	136	34	is	be	AUX
easat-10376	136	35	less	less	ADJ
easat-10376	136	36	than	than	ADP
easat-10376	136	37	50	50	NUM
easat-10376	136	38	%	%	NOUN
easat-10376	136	39	,	,	PUNCT
easat-10376	136	40	showing	show	VERB
easat-10376	136	41	that	that	SCONJ
easat-10376	136	42	cmb	cmb	PROPN
easat-10376	136	43	is	be	AUX
easat-10376	136	44	negligible	negligible	ADJ
easat-10376	136	45	.	.	PUNCT
easat-10376	137	1	besides	besides	SCONJ
easat-10376	137	2	,	,	PUNCT
easat-10376	137	3	165	165	NUM
easat-10376	137	4	edelweiss	edelweiss	PROPN
easat-10376	137	5	applied	apply	VERB
easat-10376	137	6	science	science	NOUN
easat-10376	137	7	and	and	CCONJ
easat-10376	137	8	technology	technology	NOUN
easat-10376	137	9	issn	issn	PROPN
easat-10376	137	10	:	:	PUNCT
easat-10376	137	11	2576	2576	NUM
easat-10376	137	12	-	-	SYM
easat-10376	137	13	8484	8484	NUM
easat-10376	137	14	vol	vol	NOUN
easat-10376	137	15	.	.	PROPN
easat-10376	138	1	9	9	NUM
easat-10376	138	2	,	,	PUNCT
easat-10376	138	3	no	no	INTJ
easat-10376	138	4	.	.	NOUN
easat-10376	138	5	10	10	NUM
easat-10376	138	6	:	:	PUNCT
easat-10376	138	7	160	160	NUM
easat-10376	138	8	-	-	SYM
easat-10376	138	9	169	169	NUM
easat-10376	138	10	,	,	PUNCT
easat-10376	138	11	2025	2025	NUM
easat-10376	138	12	doi	doi	NOUN
easat-10376	138	13	:	:	PUNCT
easat-10376	138	14	10.55214/2576	10.55214/2576	NUM
easat-10376	138	15	-	-	PUNCT
easat-10376	138	16	8484.v9i10.10376	8484.v9i10.10376	NUM
easat-10376	138	17	©	©	PROPN
easat-10376	138	18	2025	2025	NUM
easat-10376	138	19	by	by	ADP
easat-10376	138	20	the	the	DET
easat-10376	138	21	authors	author	NOUN
easat-10376	138	22	;	;	PUNCT
easat-10376	138	23	licensee	licensee	PROPN
easat-10376	138	24	learning	learning	NOUN
easat-10376	138	25	gate	gate	NOUN
easat-10376	138	26	i	i	PRON
easat-10376	138	27	performed	perform	VERB
easat-10376	138	28	a	a	DET
easat-10376	138	29	complete	complete	ADJ
easat-10376	138	30	collinearity	collinearity	NOUN
easat-10376	138	31	test	test	NOUN
easat-10376	138	32	.	.	PUNCT
easat-10376	139	1	since	since	SCONJ
easat-10376	139	2	all	all	DET
easat-10376	139	3	vif	vif	NOUN
easat-10376	139	4	values	value	NOUN
easat-10376	139	5	were	be	AUX
easat-10376	139	6	between	between	ADP
easat-10376	139	7	1.59	1.59	NUM
easat-10376	139	8	and	and	CCONJ
easat-10376	139	9	2.60	2.60	NUM
easat-10376	139	10	,	,	PUNCT
easat-10376	139	11	which	which	PRON
easat-10376	139	12	are	be	AUX
easat-10376	139	13	both	both	CCONJ
easat-10376	139	14	lower	low	ADJ
easat-10376	139	15	than	than	ADP
easat-10376	139	16	the	the	DET
easat-10376	139	17	acceptable	acceptable	ADJ
easat-10376	139	18	limit	limit	NOUN
easat-10376	139	19	of	of	ADP
easat-10376	139	20	3.3	3.3	NUM
easat-10376	139	21	[	[	X
easat-10376	139	22	48	48	NUM
easat-10376	139	23	]	]	PUNCT
easat-10376	139	24	,	,	PUNCT
easat-10376	139	25	multicollinearity	multicollinearity	NOUN
easat-10376	139	26	was	be	AUX
easat-10376	139	27	not	not	PART
easat-10376	139	28	present	present	ADJ
easat-10376	139	29	in	in	ADP
easat-10376	139	30	this	this	DET
easat-10376	139	31	model	model	NOUN
easat-10376	139	32	.	.	PUNCT
easat-10376	140	1	table	table	NOUN
easat-10376	140	2	2	2	NUM
easat-10376	140	3	.	.	PUNCT
easat-10376	140	4	measurement	measurement	NOUN
easat-10376	140	5	model	model	NOUN
easat-10376	140	6	assessment	assessment	NOUN
easat-10376	140	7	.	.	PUNCT
easat-10376	141	1	construct	construct	VERB
easat-10376	141	2	cronbach	cronbach	PROPN
easat-10376	141	3	’s	’s	PART
easat-10376	141	4	alpha	alpha	ADJ
easat-10376	141	5	composite	composite	ADJ
easat-10376	141	6	reliability	reliability	NOUN
easat-10376	141	7	(	(	PUNCT
easat-10376	141	8	cr	cr	NOUN
easat-10376	141	9	)	)	PUNCT
easat-10376	141	10	ave	ave	NOUN
easat-10376	141	11	trust	trust	NOUN
easat-10376	141	12	0.844	0.844	NUM
easat-10376	141	13	0.898	0.898	NUM
easat-10376	141	14	0.682	0.682	NUM
easat-10376	141	15	service	service	NOUN
easat-10376	141	16	quality	quality	NOUN
easat-10376	141	17	0.812	0.812	NUM
easat-10376	141	18	0.872	0.872	NUM
easat-10376	141	19	0.648	0.648	NUM
easat-10376	141	20	perceived	perceive	VERB
easat-10376	141	21	security	security	NOUN
easat-10376	141	22	0.860	0.860	NUM
easat-10376	141	23	0.912	0.912	NUM
easat-10376	141	24	0.728	0.728	NUM
easat-10376	141	25	fintech	fintech	NOUN
easat-10376	141	26	use	use	VERB
easat-10376	141	27	0.886	0.886	NUM
easat-10376	141	28	0.923	0.923	NUM
easat-10376	141	29	0.710	0.710	NUM
easat-10376	141	30	digital	digital	ADJ
easat-10376	141	31	financial	financial	ADJ
easat-10376	141	32	literacy	literacy	NOUN
easat-10376	141	33	0.853	0.853	NUM
easat-10376	141	34	0.902	0.902	NUM
easat-10376	141	35	0.693	0.693	NUM
easat-10376	141	36	financial	financial	ADJ
easat-10376	141	37	inclusion	inclusion	NOUN
easat-10376	141	38	0.873	0.873	NUM
easat-10376	141	39	0.920	0.920	NUM
easat-10376	141	40	0.703	0.703	NUM
easat-10376	141	41	perceived	perceive	VERB
easat-10376	141	42	regulatory	regulatory	ADJ
easat-10376	141	43	support	support	NOUN
easat-10376	141	44	0.801	0.801	NUM
easat-10376	141	45	0.868	0.868	NUM
easat-10376	141	46	0.687	0.687	NUM
easat-10376	141	47	the	the	DET
easat-10376	141	48	researchers	researcher	NOUN
easat-10376	141	49	checked	check	VERB
easat-10376	141	50	how	how	SCONJ
easat-10376	141	51	well	well	ADV
easat-10376	141	52	the	the	DET
easat-10376	141	53	psychosocial	psychosocial	ADJ
easat-10376	141	54	variables	variable	NOUN
easat-10376	141	55	measured	measure	VERB
easat-10376	141	56	the	the	DET
easat-10376	141	57	construct	construct	NOUN
easat-10376	141	58	and	and	CCONJ
easat-10376	141	59	whether	whether	SCONJ
easat-10376	141	60	they	they	PRON
easat-10376	141	61	were	be	AUX
easat-10376	141	62	connected	connect	VERB
easat-10376	141	63	to	to	ADP
easat-10376	141	64	similar	similar	ADJ
easat-10376	141	65	constructs	construct	NOUN
easat-10376	141	66	as	as	SCONJ
easat-10376	141	67	expected	expect	VERB
easat-10376	141	68	.	.	PUNCT
easat-10376	142	1	•	•	NOUN
easat-10376	142	2	the	the	DET
easat-10376	142	3	scales	scale	NOUN
easat-10376	142	4	were	be	AUX
easat-10376	142	5	found	find	VERB
easat-10376	142	6	to	to	PART
easat-10376	142	7	be	be	AUX
easat-10376	142	8	internally	internally	ADV
easat-10376	142	9	reliable	reliable	ADJ
easat-10376	142	10	,	,	PUNCT
easat-10376	142	11	as	as	SCONJ
easat-10376	142	12	the	the	DET
easat-10376	142	13	values	value	NOUN
easat-10376	142	14	of	of	ADP
easat-10376	142	15	cronbach	cronbach	NOUN
easat-10376	142	16	’s	’s	PART
easat-10376	142	17	alpha	alpha	NOUN
easat-10376	142	18	and	and	CCONJ
easat-10376	142	19	composite	composite	ADJ
easat-10376	142	20	reliability	reliability	NOUN
easat-10376	142	21	(	(	PUNCT
easat-10376	142	22	cr	cr	NOUN
easat-10376	142	23	)	)	PUNCT
easat-10376	142	24	were	be	AUX
easat-10376	142	25	both	both	DET
easat-10376	142	26	0.70	0.70	NUM
easat-10376	142	27	or	or	CCONJ
easat-10376	142	28	higher	high	ADJ
easat-10376	142	29	,	,	PUNCT
easat-10376	142	30	with	with	ADP
easat-10376	142	31	the	the	DET
easat-10376	142	32	highest	high	ADJ
easat-10376	142	33	scores	score	NOUN
easat-10376	142	34	reaching	reach	VERB
easat-10376	142	35	0.912	0.912	NUM
easat-10376	143	1	[	[	X
easat-10376	143	2	47	47	NUM
easat-10376	143	3	]	]	PUNCT
easat-10376	143	4	.	.	PUNCT
easat-10376	144	1	•	•	NUM
easat-10376	144	2	by	by	ADP
easat-10376	144	3	measuring	measure	VERB
easat-10376	144	4	the	the	DET
easat-10376	144	5	ave	ave	NOUN
easat-10376	144	6	values	value	NOUN
easat-10376	144	7	,	,	PUNCT
easat-10376	144	8	convergent	convergent	ADJ
easat-10376	144	9	validity	validity	NOUN
easat-10376	144	10	was	be	AUX
easat-10376	144	11	established	establish	VERB
easat-10376	144	12	,	,	PUNCT
easat-10376	144	13	as	as	SCONJ
easat-10376	144	14	all	all	DET
easat-10376	144	15	constructs	construct	NOUN
easat-10376	144	16	exceeded	exceed	VERB
easat-10376	144	17	0.50	0.50	NUM
easat-10376	144	18	,	,	PUNCT
easat-10376	144	19	with	with	ADP
easat-10376	144	20	a	a	DET
easat-10376	144	21	range	range	NOUN
easat-10376	144	22	from	from	ADP
easat-10376	144	23	0.648	0.648	NUM
easat-10376	144	24	to	to	ADP
easat-10376	144	25	0.728	0.728	NUM
easat-10376	144	26	.	.	PUNCT
easat-10376	145	1	•	•	NUM
easat-10376	145	2	by	by	ADP
easat-10376	145	3	using	use	VERB
easat-10376	145	4	the	the	DET
easat-10376	145	5	fornell	fornell	ADJ
easat-10376	145	6	-	-	PUNCT
easat-10376	145	7	larcker	larcker	NOUN
easat-10376	145	8	criterion	criterion	NOUN
easat-10376	145	9	,	,	PUNCT
easat-10376	145	10	it	it	PRON
easat-10376	145	11	was	be	AUX
easat-10376	145	12	found	find	VERB
easat-10376	145	13	that	that	SCONJ
easat-10376	145	14	the	the	DET
easat-10376	145	15	square	square	ADJ
easat-10376	145	16	root	root	NOUN
easat-10376	145	17	of	of	ADP
easat-10376	145	18	each	each	PRON
easat-10376	145	19	of	of	ADP
easat-10376	145	20	the	the	DET
easat-10376	145	21	aves	ave	NOUN
easat-10376	145	22	was	be	AUX
easat-10376	145	23	larger	large	ADJ
easat-10376	145	24	than	than	ADP
easat-10376	145	25	any	any	PRON
easat-10376	145	26	of	of	ADP
easat-10376	145	27	the	the	DET
easat-10376	145	28	correlations	correlation	NOUN
easat-10376	145	29	that	that	PRON
easat-10376	145	30	existed	exist	VERB
easat-10376	145	31	between	between	ADP
easat-10376	145	32	the	the	DET
easat-10376	145	33	constructs	construct	NOUN
easat-10376	145	34	,	,	PUNCT
easat-10376	145	35	demonstrating	demonstrate	VERB
easat-10376	145	36	that	that	SCONJ
easat-10376	145	37	the	the	DET
easat-10376	145	38	constructs	construct	NOUN
easat-10376	145	39	were	be	AUX
easat-10376	145	40	all	all	ADV
easat-10376	145	41	distinct	distinct	ADJ
easat-10376	145	42	from	from	ADP
easat-10376	145	43	one	one	NUM
easat-10376	145	44	another	another	DET
easat-10376	145	45	.	.	PUNCT
easat-10376	146	1	4.2	4.2	NUM
easat-10376	146	2	.	.	PUNCT
easat-10376	146	3	structural	structural	ADJ
easat-10376	146	4	model	model	NOUN
easat-10376	146	5	assessment	assessment	NOUN
easat-10376	146	6	following	follow	VERB
easat-10376	146	7	the	the	DET
easat-10376	146	8	assessment	assessment	NOUN
easat-10376	146	9	of	of	ADP
easat-10376	146	10	the	the	DET
easat-10376	146	11	measurement	measurement	NOUN
easat-10376	146	12	model	model	NOUN
easat-10376	146	13	,	,	PUNCT
easat-10376	146	14	a	a	DET
easat-10376	146	15	test	test	NOUN
easat-10376	146	16	was	be	AUX
easat-10376	146	17	conducted	conduct	VERB
easat-10376	146	18	on	on	ADP
easat-10376	146	19	the	the	DET
easat-10376	146	20	structural	structural	ADJ
easat-10376	146	21	model	model	NOUN
easat-10376	146	22	to	to	PART
easat-10376	146	23	examine	examine	VERB
easat-10376	146	24	the	the	DET
easat-10376	146	25	relationships	relationship	NOUN
easat-10376	146	26	between	between	ADP
easat-10376	146	27	the	the	DET
easat-10376	146	28	variables	variable	NOUN
easat-10376	146	29	as	as	SCONJ
easat-10376	146	30	predicted	predict	VERB
easat-10376	146	31	in	in	ADP
easat-10376	146	32	the	the	DET
easat-10376	146	33	model	model	NOUN
easat-10376	146	34	.	.	PUNCT
easat-10376	147	1	table	table	NOUN
easat-10376	147	2	3	3	NUM
easat-10376	147	3	.	.	X
easat-10376	147	4	hypothesis	hypothesis	NOUN
easat-10376	147	5	testing	testing	NOUN
easat-10376	147	6	.	.	PUNCT
easat-10376	148	1	hypothesis	hypothesis	NOUN
easat-10376	148	2	path	path	PROPN
easat-10376	148	3	β	β	PROPN
easat-10376	148	4	t	t	PROPN
easat-10376	148	5	-	-	PUNCT
easat-10376	148	6	value	value	NOUN
easat-10376	148	7	p	p	NOUN
easat-10376	148	8	-	-	PUNCT
easat-10376	148	9	value	value	NOUN
easat-10376	148	10	decision	decision	NOUN
easat-10376	148	11	h1	h1	NOUN
easat-10376	148	12	trust	trust	NOUN
easat-10376	148	13	→	→	SYM
easat-10376	148	14	fintech	fintech	NOUN
easat-10376	148	15	use	use	VERB
easat-10376	148	16	0.212	0.212	NUM
easat-10376	148	17	3.60	3.60	NUM
easat-10376	148	18	0.000	0.000	NUM
easat-10376	148	19	supported	support	VERB
easat-10376	148	20	h2	h2	NOUN
easat-10376	148	21	service	service	NOUN
easat-10376	148	22	quality	quality	NOUN
easat-10376	148	23	→	→	SYM
easat-10376	148	24	fintech	fintech	NOUN
easat-10376	148	25	use	use	NOUN
easat-10376	148	26	0.308	0.308	NUM
easat-10376	148	27	5.72	5.72	NUM
easat-10376	148	28	0.000	0.000	NUM
easat-10376	148	29	supported	support	VERB
easat-10376	148	30	h3	h3	NOUN
easat-10376	148	31	perceived	perceive	VERB
easat-10376	148	32	security	security	NOUN
easat-10376	148	33	→	→	SYM
easat-10376	148	34	fintech	fintech	NOUN
easat-10376	148	35	use	use	NOUN
easat-10376	148	36	0.298	0.298	NUM
easat-10376	148	37	4.78	4.78	NUM
easat-10376	148	38	0.000	0.000	NUM
easat-10376	148	39	supported	support	VERB
easat-10376	148	40	h4	h4	PROPN
easat-10376	148	41	fintech	fintech	NOUN
easat-10376	148	42	use	use	NOUN
easat-10376	148	43	→	→	PUNCT
easat-10376	148	44	financial	financial	ADJ
easat-10376	148	45	inclusion	inclusion	NOUN
easat-10376	148	46	0.285	0.285	NUM
easat-10376	148	47	6.42	6.42	NUM
easat-10376	148	48	0.000	0.000	NUM
easat-10376	148	49	supported	support	VERB
easat-10376	148	50	h5	h5	NOUN
easat-10376	148	51	fintech	fintech	NOUN
easat-10376	148	52	use	use	NOUN
easat-10376	148	53	→	→	PUNCT
easat-10376	148	54	digital	digital	ADJ
easat-10376	148	55	financial	financial	ADJ
easat-10376	148	56	literacy	literacy	NOUN
easat-10376	148	57	0.727	0.727	NUM
easat-10376	148	58	29.10	29.10	NUM
easat-10376	148	59	0.000	0.000	NUM
easat-10376	148	60	supported	support	VERB
easat-10376	148	61	h6	h6	PROPN
easat-10376	148	62	digital	digital	ADJ
easat-10376	148	63	financial	financial	ADJ
easat-10376	148	64	literacy	literacy	NOUN
easat-10376	148	65	→	→	PUNCT
easat-10376	148	66	financial	financial	ADJ
easat-10376	148	67	inclusion	inclusion	NOUN
easat-10376	148	68	0.478	0.478	NUM
easat-10376	148	69	10.58	10.58	NUM
easat-10376	148	70	0.000	0.000	NUM
easat-10376	148	71	supported	support	VERB
easat-10376	148	72	h7	h7	PROPN
easat-10376	148	73	fintech	fintech	NOUN
easat-10376	148	74	use	use	NOUN
easat-10376	148	75	→	→	PUNCT
easat-10376	148	76	dfl	dfl	PROPN
easat-10376	148	77	→	→	SYM
easat-10376	148	78	financial	financial	ADJ
easat-10376	148	79	inclusion	inclusion	NOUN
easat-10376	148	80	(	(	PUNCT
easat-10376	148	81	mediation	mediation	NOUN
easat-10376	148	82	)	)	PUNCT
easat-10376	148	83	0.350	0.350	NUM
easat-10376	148	84	11.10	11.10	NUM
easat-10376	148	85	0.000	0.000	NUM
easat-10376	148	86	supported	support	VERB
easat-10376	148	87	h4a	h4a	PROPN
easat-10376	148	88	prs	prs	NOUN
easat-10376	148	89	×	×	NOUN
easat-10376	148	90	fintech	fintech	NOUN
easat-10376	148	91	use	use	NOUN
easat-10376	148	92	→	→	PUNCT
easat-10376	148	93	financial	financial	ADJ
easat-10376	148	94	inclusion	inclusion	NOUN
easat-10376	148	95	(	(	PUNCT
easat-10376	148	96	moderation	moderation	NOUN
easat-10376	148	97	)	)	PUNCT
easat-10376	148	98	0.055	0.055	NUM
easat-10376	148	99	2.61	2.61	NUM
easat-10376	148	100	0.009	0.009	NUM
easat-10376	148	101	supported	support	VERB
easat-10376	148	102	4.3	4.3	NUM
easat-10376	148	103	.	.	PUNCT
easat-10376	148	104	model	model	PROPN
easat-10376	148	105	fit	fit	ADJ
easat-10376	148	106	and	and	CCONJ
easat-10376	148	107	predictive	predictive	ADJ
easat-10376	148	108	relevance	relevance	NOUN
easat-10376	148	109	the	the	DET
easat-10376	148	110	explanatory	explanatory	ADJ
easat-10376	148	111	power	power	NOUN
easat-10376	148	112	of	of	ADP
easat-10376	148	113	the	the	DET
easat-10376	148	114	model	model	NOUN
easat-10376	148	115	was	be	AUX
easat-10376	148	116	assessed	assess	VERB
easat-10376	148	117	using	use	VERB
easat-10376	148	118	r²	r²	NOUN
easat-10376	148	119	values	value	NOUN
easat-10376	148	120	.	.	PUNCT
easat-10376	149	1	•	•	NUM
easat-10376	149	2	fintech	fintech	NOUN
easat-10376	149	3	use	use	NOUN
easat-10376	149	4	:	:	PUNCT
easat-10376	149	5	53.7	53.7	NUM
easat-10376	149	6	%	%	NOUN
easat-10376	149	7	•	•	ADP
easat-10376	149	8	digital	digital	ADJ
easat-10376	149	9	financial	financial	ADJ
easat-10376	149	10	literacy	literacy	NOUN
easat-10376	149	11	:	:	PUNCT
easat-10376	149	12	53.2	53.2	NUM
easat-10376	149	13	%	%	NOUN
easat-10376	149	14	•	•	ADP
easat-10376	149	15	financial	financial	ADJ
easat-10376	149	16	inclusion	inclusion	NOUN
easat-10376	149	17	:	:	PUNCT
easat-10376	149	18	69.5	69.5	NUM
easat-10376	149	19	%	%	NOUN
easat-10376	149	20	these	these	DET
easat-10376	149	21	results	result	NOUN
easat-10376	149	22	indicate	indicate	VERB
easat-10376	149	23	strong	strong	ADJ
easat-10376	149	24	predictive	predictive	ADJ
easat-10376	149	25	capabilities	capability	NOUN
easat-10376	149	26	.	.	PUNCT
easat-10376	150	1	additionally	additionally	ADV
easat-10376	150	2	,	,	PUNCT
easat-10376	150	3	q²	q²	VERB
easat-10376	150	4	values	value	NOUN
easat-10376	150	5	obtained	obtain	VERB
easat-10376	150	6	from	from	ADP
easat-10376	150	7	the	the	DET
easat-10376	150	8	stonegeisser	stonegeisser	NOUN
easat-10376	150	9	test	test	NOUN
easat-10376	150	10	for	for	ADP
easat-10376	150	11	predictive	predictive	ADJ
easat-10376	150	12	relevance	relevance	NOUN
easat-10376	150	13	were	be	AUX
easat-10376	150	14	positive	positive	ADJ
easat-10376	150	15	for	for	ADP
easat-10376	150	16	all	all	DET
easat-10376	150	17	endogenous	endogenous	ADJ
easat-10376	150	18	constructs	construct	NOUN
easat-10376	150	19	.	.	PUNCT
easat-10376	151	1	166	166	NUM
easat-10376	151	2	edelweiss	edelweiss	PROPN
easat-10376	151	3	applied	apply	VERB
easat-10376	151	4	science	science	NOUN
easat-10376	151	5	and	and	CCONJ
easat-10376	151	6	technology	technology	NOUN
easat-10376	151	7	issn	issn	PROPN
easat-10376	151	8	:	:	PUNCT
easat-10376	151	9	2576	2576	NUM
easat-10376	151	10	-	-	SYM
easat-10376	151	11	8484	8484	NUM
easat-10376	151	12	vol	vol	NOUN
easat-10376	151	13	.	.	PROPN
easat-10376	152	1	9	9	NUM
easat-10376	152	2	,	,	PUNCT
easat-10376	152	3	no	no	INTJ
easat-10376	152	4	.	.	NOUN
easat-10376	152	5	10	10	NUM
easat-10376	152	6	:	:	PUNCT
easat-10376	152	7	160	160	NUM
easat-10376	152	8	-	-	SYM
easat-10376	152	9	169	169	NUM
easat-10376	152	10	,	,	PUNCT
easat-10376	152	11	2025	2025	NUM
easat-10376	152	12	doi	doi	NOUN
easat-10376	152	13	:	:	PUNCT
easat-10376	152	14	10.55214/2576	10.55214/2576	NUM
easat-10376	152	15	-	-	PUNCT
easat-10376	152	16	8484.v9i10.10376	8484.v9i10.10376	NUM
easat-10376	152	17	©	©	PROPN
easat-10376	152	18	2025	2025	NUM
easat-10376	152	19	by	by	ADP
easat-10376	152	20	the	the	DET
easat-10376	152	21	authors	author	NOUN
easat-10376	152	22	;	;	PUNCT
easat-10376	152	23	licensee	licensee	PROPN
easat-10376	152	24	learning	learning	NOUN
easat-10376	152	25	gate	gate	NOUN
easat-10376	152	26	•	•	NOUN
easat-10376	152	27	fintech	fintech	NOUN
easat-10376	152	28	use	use	NOUN
easat-10376	152	29	(	(	PUNCT
easat-10376	152	30	q²	q²	NOUN
easat-10376	152	31	=	=	PROPN
easat-10376	152	32	0.521	0.521	NUM
easat-10376	152	33	)	)	PUNCT
easat-10376	152	34	•	•	NOUN
easat-10376	152	35	digital	digital	ADJ
easat-10376	152	36	financial	financial	ADJ
easat-10376	152	37	literacy	literacy	NOUN
easat-10376	152	38	(	(	PUNCT
easat-10376	152	39	q²	q²	PROPN
easat-10376	152	40	=	=	NOUN
easat-10376	152	41	0.496	0.496	NUM
easat-10376	152	42	)	)	PUNCT
easat-10376	152	43	•	•	NOUN
easat-10376	152	44	financial	financial	ADJ
easat-10376	152	45	inclusion	inclusion	NOUN
easat-10376	152	46	(	(	PUNCT
easat-10376	152	47	q²	q²	PROPN
easat-10376	152	48	=	=	SYM
easat-10376	152	49	0.528	0.528	NUM
easat-10376	152	50	)	)	PUNCT
easat-10376	152	51	all	all	DET
easat-10376	152	52	values	value	NOUN
easat-10376	152	53	exceeded	exceed	VERB
easat-10376	152	54	zero	zero	NUM
easat-10376	152	55	,	,	PUNCT
easat-10376	152	56	confirming	confirm	VERB
easat-10376	152	57	the	the	DET
easat-10376	152	58	model	model	NOUN
easat-10376	152	59	’s	’s	PART
easat-10376	152	60	strong	strong	ADJ
easat-10376	152	61	predictive	predictive	ADJ
easat-10376	152	62	relevance	relevance	NOUN
easat-10376	152	63	[	[	X
easat-10376	152	64	47	47	NUM
easat-10376	152	65	]	]	PUNCT
easat-10376	152	66	.	.	PUNCT
easat-10376	153	1	table	table	NOUN
easat-10376	153	2	4	4	NUM
easat-10376	153	3	.	.	PUNCT
easat-10376	154	1	coefficient	coefficient	NOUN
easat-10376	154	2	of	of	ADP
easat-10376	154	3	determination	determination	NOUN
easat-10376	154	4	(	(	PUNCT
easat-10376	154	5	r²	r²	NOUN
easat-10376	154	6	)	)	PUNCT
easat-10376	154	7	and	and	CCONJ
easat-10376	154	8	predictive	predictive	ADJ
easat-10376	154	9	relevance	relevance	NOUN
easat-10376	154	10	(	(	PUNCT
easat-10376	154	11	q²	q²	PROPN
easat-10376	154	12	)	)	PUNCT
easat-10376	154	13	for	for	ADP
easat-10376	154	14	endogenous	endogenous	ADJ
easat-10376	154	15	constructs	construct	NOUN
easat-10376	154	16	.	.	PUNCT
easat-10376	155	1	construct	construct	VERB
easat-10376	155	2	r²	r²	NOUN
easat-10376	155	3	value	value	NOUN
easat-10376	155	4	q²	q²	NOUN
easat-10376	155	5	value	value	NOUN
easat-10376	155	6	fintech	fintech	NOUN
easat-10376	155	7	use	use	VERB
easat-10376	155	8	0.537	0.537	NUM
easat-10376	155	9	0.521	0.521	NUM
easat-10376	155	10	digital	digital	ADJ
easat-10376	155	11	financial	financial	ADJ
easat-10376	155	12	literacy	literacy	NOUN
easat-10376	155	13	0.532	0.532	NUM
easat-10376	155	14	0.496	0.496	NUM
easat-10376	155	15	financial	financial	ADJ
easat-10376	155	16	inclusion	inclusion	NOUN
easat-10376	155	17	0.695	0.695	NUM
easat-10376	155	18	0.528	0.528	NUM
easat-10376	155	19	4.4	4.4	NUM
easat-10376	155	20	.	.	PUNCT
easat-10376	156	1	moderation	moderation	NOUN
easat-10376	156	2	analysis	analysis	NOUN
easat-10376	156	3	smartpls	smartpls	NOUN
easat-10376	156	4	analysis	analysis	NOUN
easat-10376	156	5	involved	involve	VERB
easat-10376	156	6	examining	examine	VERB
easat-10376	156	7	the	the	DET
easat-10376	156	8	interaction	interaction	NOUN
easat-10376	156	9	between	between	ADP
easat-10376	156	10	perceived	perceive	VERB
easat-10376	156	11	regulatory	regulatory	ADJ
easat-10376	156	12	support	support	NOUN
easat-10376	156	13	(	(	PUNCT
easat-10376	156	14	prs	prs	NOUN
easat-10376	156	15	)	)	PUNCT
easat-10376	156	16	and	and	CCONJ
easat-10376	156	17	personal	personal	ADJ
easat-10376	156	18	values	value	NOUN
easat-10376	156	19	.	.	PUNCT
easat-10376	157	1	the	the	DET
easat-10376	157	2	interaction	interaction	NOUN
easat-10376	157	3	between	between	ADP
easat-10376	157	4	the	the	DET
easat-10376	157	5	variables	variable	NOUN
easat-10376	157	6	had	have	VERB
easat-10376	157	7	a	a	DET
easat-10376	157	8	noticeable	noticeable	ADJ
easat-10376	157	9	and	and	CCONJ
easat-10376	157	10	significant	significant	ADJ
easat-10376	157	11	effect	effect	NOUN
easat-10376	157	12	on	on	ADP
easat-10376	157	13	the	the	DET
easat-10376	157	14	results	result	NOUN
easat-10376	157	15	,	,	PUNCT
easat-10376	157	16	as	as	SCONJ
easat-10376	157	17	indicated	indicate	VERB
easat-10376	157	18	by	by	ADP
easat-10376	157	19	β	β	X
easat-10376	157	20	=	=	SYM
easat-10376	157	21	0.055	0.055	NUM
easat-10376	157	22	and	and	CCONJ
easat-10376	157	23	p	p	X
easat-10376	157	24	<	<	X
easat-10376	157	25	0.01	0.01	NUM
easat-10376	157	26	.	.	PUNCT
easat-10376	158	1	4.5	4.5	NUM
easat-10376	158	2	.	.	PUNCT
easat-10376	158	3	interpretation	interpretation	NOUN
easat-10376	158	4	when	when	SCONJ
easat-10376	158	5	people	people	NOUN
easat-10376	158	6	think	think	VERB
easat-10376	158	7	that	that	SCONJ
easat-10376	158	8	regulators	regulator	NOUN
easat-10376	158	9	are	be	AUX
easat-10376	158	10	supportive	supportive	ADJ
easat-10376	158	11	,	,	PUNCT
easat-10376	158	12	the	the	DET
easat-10376	158	13	use	use	NOUN
easat-10376	158	14	of	of	ADP
easat-10376	158	15	fintech	fintech	NOUN
easat-10376	158	16	is	be	AUX
easat-10376	158	17	more	more	ADV
easat-10376	158	18	likely	likely	ADJ
easat-10376	158	19	to	to	PART
easat-10376	158	20	increase	increase	VERB
easat-10376	158	21	financial	financial	ADJ
easat-10376	158	22	inclusion	inclusion	NOUN
easat-10376	158	23	in	in	ADP
easat-10376	158	24	pakistan	pakistan	PROPN
easat-10376	158	25	.	.	PUNCT
easat-10376	159	1	that	that	PRON
easat-10376	159	2	’s	’	VERB
easat-10376	159	3	why	why	SCONJ
easat-10376	159	4	government	government	NOUN
easat-10376	159	5	measures	measure	NOUN
easat-10376	159	6	,	,	PUNCT
easat-10376	159	7	including	include	VERB
easat-10376	159	8	raast	raast	NOUN
easat-10376	159	9	,	,	PUNCT
easat-10376	159	10	the	the	DET
easat-10376	159	11	digital	digital	ADJ
easat-10376	159	12	pakistan	pakistan	PROPN
easat-10376	159	13	vision	vision	NOUN
easat-10376	159	14	,	,	PUNCT
easat-10376	159	15	and	and	CCONJ
easat-10376	159	16	sbp	sbp	NOUN
easat-10376	159	17	regulations	regulation	NOUN
easat-10376	159	18	,	,	PUNCT
easat-10376	159	19	play	play	VERB
easat-10376	159	20	a	a	DET
easat-10376	159	21	significant	significant	ADJ
easat-10376	159	22	role	role	NOUN
easat-10376	159	23	in	in	ADP
easat-10376	159	24	making	make	VERB
easat-10376	159	25	users	user	NOUN
easat-10376	159	26	feel	feel	VERB
easat-10376	159	27	more	more	ADV
easat-10376	159	28	secure	secure	ADJ
easat-10376	159	29	with	with	ADP
easat-10376	159	30	fintech	fintech	NOUN
easat-10376	159	31	,	,	PUNCT
easat-10376	159	32	which	which	PRON
easat-10376	159	33	encourages	encourage	VERB
easat-10376	159	34	financial	financial	ADJ
easat-10376	159	35	inclusion	inclusion	NOUN
easat-10376	159	36	.	.	PUNCT
easat-10376	160	1	in	in	ADP
easat-10376	160	2	table	table	NOUN
easat-10376	160	3	3	3	NUM
easat-10376	160	4	(	(	PUNCT
easat-10376	160	5	which	which	PRON
easat-10376	160	6	you	you	PRON
easat-10376	160	7	add	add	VERB
easat-10376	160	8	to	to	ADP
easat-10376	160	9	your	your	PRON
easat-10376	160	10	word	word	NOUN
easat-10376	160	11	document	document	NOUN
easat-10376	160	12	)	)	PUNCT
easat-10376	160	13	,	,	PUNCT
easat-10376	160	14	it	it	PRON
easat-10376	160	15	can	can	AUX
easat-10376	160	16	be	be	AUX
easat-10376	160	17	seen	see	VERB
easat-10376	160	18	that	that	SCONJ
easat-10376	160	19	when	when	SCONJ
easat-10376	160	20	people	people	NOUN
easat-10376	160	21	believe	believe	VERB
easat-10376	160	22	regulations	regulation	NOUN
easat-10376	160	23	are	be	AUX
easat-10376	160	24	strong	strong	ADJ
easat-10376	160	25	,	,	PUNCT
easat-10376	160	26	increasing	increase	VERB
easat-10376	160	27	fintech	fintech	NOUN
easat-10376	160	28	use	use	NOUN
easat-10376	160	29	leads	lead	VERB
easat-10376	160	30	to	to	ADP
easat-10376	160	31	greater	great	ADJ
easat-10376	160	32	financial	financial	ADJ
easat-10376	160	33	inclusion	inclusion	NOUN
easat-10376	160	34	than	than	ADP
easat-10376	160	35	at	at	ADP
easat-10376	160	36	lower	low	ADJ
easat-10376	160	37	or	or	CCONJ
easat-10376	160	38	moderate	moderate	ADJ
easat-10376	160	39	levels	level	NOUN
easat-10376	160	40	of	of	ADP
easat-10376	160	41	perceived	perceive	VERB
easat-10376	160	42	regulation	regulation	NOUN
easat-10376	160	43	support	support	NOUN
easat-10376	160	44	.	.	PUNCT
easat-10376	161	1	5	5	X
easat-10376	161	2	.	.	X
easat-10376	161	3	discussion	discussion	NOUN
easat-10376	161	4	and	and	CCONJ
easat-10376	161	5	conclusion	conclusion	NOUN
easat-10376	161	6	this	this	DET
easat-10376	161	7	study	study	NOUN
easat-10376	161	8	examines	examine	VERB
easat-10376	161	9	the	the	DET
easat-10376	161	10	impact	impact	NOUN
easat-10376	161	11	of	of	ADP
easat-10376	161	12	digital	digital	ADJ
easat-10376	161	13	financial	financial	ADJ
easat-10376	161	14	literacy	literacy	NOUN
easat-10376	161	15	on	on	ADP
easat-10376	161	16	financial	financial	ADJ
easat-10376	161	17	inclusion	inclusion	NOUN
easat-10376	161	18	in	in	ADP
easat-10376	161	19	pakistan	pakistan	PROPN
easat-10376	161	20	,	,	PUNCT
easat-10376	161	21	considering	consider	VERB
easat-10376	161	22	the	the	DET
easat-10376	161	23	growth	growth	NOUN
easat-10376	161	24	of	of	ADP
easat-10376	161	25	fintech	fintech	NOUN
easat-10376	161	26	in	in	ADP
easat-10376	161	27	the	the	DET
easat-10376	161	28	region	region	NOUN
easat-10376	161	29	.	.	PUNCT
easat-10376	162	1	the	the	DET
easat-10376	162	2	results	result	NOUN
easat-10376	162	3	indicate	indicate	VERB
easat-10376	162	4	that	that	SCONJ
easat-10376	162	5	individuals	individual	NOUN
easat-10376	162	6	with	with	ADP
easat-10376	162	7	higher	high	ADJ
easat-10376	162	8	digital	digital	ADJ
easat-10376	162	9	financial	financial	ADJ
easat-10376	162	10	literacy	literacy	NOUN
easat-10376	162	11	tend	tend	VERB
easat-10376	162	12	to	to	PART
easat-10376	162	13	utilize	utilize	VERB
easat-10376	162	14	digital	digital	ADJ
easat-10376	162	15	services	service	NOUN
easat-10376	162	16	such	such	ADJ
easat-10376	162	17	as	as	ADP
easat-10376	162	18	mobile	mobile	ADJ
easat-10376	162	19	banking	banking	NOUN
easat-10376	162	20	,	,	PUNCT
easat-10376	162	21	e	e	NOUN
easat-10376	162	22	-	-	NOUN
easat-10376	162	23	wallets	wallet	NOUN
easat-10376	162	24	,	,	PUNCT
easat-10376	162	25	and	and	CCONJ
easat-10376	162	26	online	online	ADJ
easat-10376	162	27	payment	payment	NOUN
easat-10376	162	28	applications	application	NOUN
easat-10376	162	29	.	.	PUNCT
easat-10376	163	1	previous	previous	ADJ
easat-10376	163	2	research	research	NOUN
easat-10376	163	3	suggests	suggest	VERB
easat-10376	163	4	that	that	SCONJ
easat-10376	163	5	understanding	understand	VERB
easat-10376	163	6	digital	digital	ADJ
easat-10376	163	7	financial	financial	ADJ
easat-10376	163	8	products	product	NOUN
easat-10376	163	9	helps	help	VERB
easat-10376	163	10	individuals	individual	NOUN
easat-10376	163	11	overcome	overcome	VERB
easat-10376	163	12	barriers	barrier	NOUN
easat-10376	163	13	to	to	ADP
easat-10376	163	14	accessing	access	VERB
easat-10376	163	15	formal	formal	ADJ
easat-10376	163	16	financial	financial	ADJ
easat-10376	163	17	services	service	NOUN
easat-10376	163	18	.	.	PUNCT
easat-10376	164	1	the	the	DET
easat-10376	164	2	study	study	NOUN
easat-10376	164	3	also	also	ADV
easat-10376	164	4	emphasizes	emphasize	VERB
easat-10376	164	5	that	that	SCONJ
easat-10376	164	6	possessing	possess	VERB
easat-10376	164	7	digital	digital	ADJ
easat-10376	164	8	knowledge	knowledge	NOUN
easat-10376	164	9	alone	alone	ADV
easat-10376	164	10	is	be	AUX
easat-10376	164	11	insufficient	insufficient	ADJ
easat-10376	164	12	for	for	ADP
easat-10376	164	13	financial	financial	ADJ
easat-10376	164	14	inclusion	inclusion	NOUN
easat-10376	164	15	;	;	PUNCT
easat-10376	164	16	practical	practical	ADJ
easat-10376	164	17	use	use	NOUN
easat-10376	164	18	of	of	ADP
easat-10376	164	19	fintech	fintech	NOUN
easat-10376	164	20	is	be	AUX
easat-10376	164	21	essential	essential	ADJ
easat-10376	164	22	to	to	PART
easat-10376	164	23	bridge	bridge	VERB
easat-10376	164	24	this	this	DET
easat-10376	164	25	gap	gap	NOUN
easat-10376	164	26	.	.	PUNCT
easat-10376	165	1	therefore	therefore	ADV
easat-10376	165	2	,	,	PUNCT
easat-10376	165	3	these	these	DET
easat-10376	165	4	technologies	technology	NOUN
easat-10376	165	5	should	should	AUX
easat-10376	165	6	be	be	AUX
easat-10376	165	7	promoted	promote	VERB
easat-10376	165	8	to	to	PART
easat-10376	165	9	ensure	ensure	VERB
easat-10376	165	10	that	that	SCONJ
easat-10376	165	11	more	more	ADJ
easat-10376	165	12	people	people	NOUN
easat-10376	165	13	benefit	benefit	VERB
easat-10376	165	14	from	from	ADP
easat-10376	165	15	financial	financial	ADJ
easat-10376	165	16	services	service	NOUN
easat-10376	165	17	.	.	PUNCT
easat-10376	166	1	the	the	DET
easat-10376	166	2	study	study	NOUN
easat-10376	166	3	revealed	reveal	VERB
easat-10376	166	4	that	that	SCONJ
easat-10376	166	5	how	how	SCONJ
easat-10376	166	6	well	well	ADV
easat-10376	166	7	people	people	NOUN
easat-10376	166	8	are	be	AUX
easat-10376	166	9	financially	financially	ADV
easat-10376	166	10	included	include	VERB
easat-10376	166	11	is	be	AUX
easat-10376	166	12	strongly	strongly	ADV
easat-10376	166	13	affected	affect	VERB
easat-10376	166	14	by	by	ADP
easat-10376	166	15	their	their	PRON
easat-10376	166	16	education	education	NOUN
easat-10376	166	17	level	level	NOUN
easat-10376	166	18	and	and	CCONJ
easat-10376	166	19	income	income	NOUN
easat-10376	166	20	when	when	SCONJ
easat-10376	166	21	it	it	PRON
easat-10376	166	22	comes	come	VERB
easat-10376	166	23	to	to	ADP
easat-10376	166	24	digital	digital	ADJ
easat-10376	166	25	literacy	literacy	NOUN
easat-10376	166	26	.	.	PUNCT
easat-10376	167	1	based	base	VERB
easat-10376	167	2	on	on	ADP
easat-10376	167	3	this	this	PRON
easat-10376	167	4	,	,	PUNCT
easat-10376	167	5	while	while	SCONJ
easat-10376	167	6	digital	digital	ADJ
easat-10376	167	7	literacy	literacy	NOUN
easat-10376	167	8	supports	support	VERB
easat-10376	167	9	everyone	everyone	PRON
easat-10376	167	10	’s	’s	PART
easat-10376	167	11	finances	finance	NOUN
easat-10376	167	12	,	,	PUNCT
easat-10376	167	13	some	some	DET
easat-10376	167	14	specific	specific	ADJ
easat-10376	167	15	policies	policy	NOUN
easat-10376	167	16	are	be	AUX
easat-10376	167	17	required	require	VERB
easat-10376	167	18	to	to	PART
easat-10376	167	19	support	support	VERB
easat-10376	167	20	those	those	PRON
easat-10376	167	21	with	with	ADP
easat-10376	167	22	limited	limited	ADJ
easat-10376	167	23	income	income	NOUN
easat-10376	167	24	or	or	CCONJ
easat-10376	167	25	education	education	NOUN
easat-10376	167	26	in	in	ADP
easat-10376	167	27	accessing	access	VERB
easat-10376	167	28	digital	digital	ADJ
easat-10376	167	29	finance	finance	NOUN
easat-10376	167	30	.	.	PUNCT
easat-10376	168	1	more	more	ADV
easat-10376	168	2	generally	generally	ADV
easat-10376	168	3	,	,	PUNCT
easat-10376	168	4	if	if	SCONJ
easat-10376	168	5	people	people	NOUN
easat-10376	168	6	are	be	AUX
easat-10376	168	7	introduced	introduce	VERB
easat-10376	168	8	to	to	ADP
easat-10376	168	9	digital	digital	ADJ
easat-10376	168	10	banking	banking	NOUN
easat-10376	168	11	and	and	CCONJ
easat-10376	168	12	fintech	fintech	NOUN
easat-10376	168	13	,	,	PUNCT
easat-10376	168	14	it	it	PRON
easat-10376	168	15	can	can	AUX
easat-10376	168	16	significantly	significantly	ADV
easat-10376	168	17	contribute	contribute	VERB
easat-10376	168	18	to	to	ADP
easat-10376	168	19	the	the	DET
easat-10376	168	20	safety	safety	NOUN
easat-10376	168	21	of	of	ADP
easat-10376	168	22	formal	formal	ADJ
easat-10376	168	23	financial	financial	ADJ
easat-10376	168	24	services	service	NOUN
easat-10376	168	25	by	by	ADP
easat-10376	168	26	linking	link	VERB
easat-10376	168	27	informal	informal	ADJ
easat-10376	168	28	and	and	CCONJ
easat-10376	168	29	vulnerable	vulnerable	ADJ
easat-10376	168	30	customers	customer	NOUN
easat-10376	168	31	to	to	ADP
easat-10376	168	32	the	the	DET
easat-10376	168	33	main	main	ADJ
easat-10376	168	34	financial	financial	ADJ
easat-10376	168	35	network	network	NOUN
easat-10376	168	36	.	.	PUNCT
easat-10376	169	1	this	this	DET
easat-10376	169	2	study	study	NOUN
easat-10376	169	3	offers	offer	VERB
easat-10376	169	4	valuable	valuable	ADJ
easat-10376	169	5	information	information	NOUN
easat-10376	169	6	about	about	ADP
easat-10376	169	7	digital	digital	ADJ
easat-10376	169	8	finance	finance	NOUN
easat-10376	169	9	in	in	ADP
easat-10376	169	10	pakistan	pakistan	PROPN
easat-10376	169	11	that	that	PRON
easat-10376	169	12	was	be	AUX
easat-10376	169	13	not	not	PART
easat-10376	169	14	covered	cover	VERB
easat-10376	169	15	in	in	ADP
easat-10376	169	16	earlier	early	ADV
easat-10376	169	17	,	,	PUNCT
easat-10376	169	18	mainly	mainly	ADV
easat-10376	169	19	urban	urban	ADJ
easat-10376	169	20	or	or	CCONJ
easat-10376	169	21	advanced	advanced	ADJ
easat-10376	169	22	-	-	PUNCT
easat-10376	169	23	country	country	NOUN
easat-10376	169	24	studies	study	NOUN
easat-10376	169	25	.	.	PUNCT
easat-10376	170	1	as	as	ADP
easat-10376	170	2	a	a	DET
easat-10376	170	3	result	result	NOUN
easat-10376	170	4	,	,	PUNCT
easat-10376	170	5	there	there	PRON
easat-10376	170	6	are	be	VERB
easat-10376	170	7	clear	clear	ADJ
easat-10376	170	8	examples	example	NOUN
easat-10376	170	9	of	of	ADP
easat-10376	170	10	both	both	DET
easat-10376	170	11	advantages	advantage	NOUN
easat-10376	170	12	and	and	CCONJ
easat-10376	170	13	difficulties	difficulty	NOUN
easat-10376	170	14	in	in	ADP
easat-10376	170	15	developing	develop	VERB
easat-10376	170	16	economies	economy	NOUN
easat-10376	170	17	,	,	PUNCT
easat-10376	170	18	making	make	VERB
easat-10376	170	19	it	it	PRON
easat-10376	170	20	necessary	necessary	ADJ
easat-10376	170	21	to	to	PART
easat-10376	170	22	have	have	VERB
easat-10376	170	23	specifically	specifically	ADV
easat-10376	170	24	designed	design	VERB
easat-10376	170	25	responses	response	NOUN
easat-10376	170	26	.	.	PUNCT
easat-10376	171	1	although	although	SCONJ
easat-10376	171	2	the	the	DET
easat-10376	171	3	approach	approach	NOUN
easat-10376	171	4	was	be	AUX
easat-10376	171	5	useful	useful	ADJ
easat-10376	171	6	,	,	PUNCT
easat-10376	171	7	some	some	DET
easat-10376	171	8	features	feature	NOUN
easat-10376	171	9	must	must	AUX
easat-10376	171	10	be	be	AUX
easat-10376	171	11	acknowledged	acknowledge	VERB
easat-10376	171	12	.	.	PUNCT
easat-10376	172	1	due	due	ADP
easat-10376	172	2	to	to	ADP
easat-10376	172	3	the	the	DET
easat-10376	172	4	nature	nature	NOUN
easat-10376	172	5	of	of	ADP
easat-10376	172	6	the	the	DET
easat-10376	172	7	study	study	NOUN
easat-10376	172	8	,	,	PUNCT
easat-10376	172	9	we	we	PRON
easat-10376	172	10	can	can	AUX
easat-10376	172	11	not	not	PART
easat-10376	172	12	be	be	AUX
easat-10376	172	13	certain	certain	ADJ
easat-10376	172	14	what	what	PRON
easat-10376	172	15	influences	influence	VERB
easat-10376	172	16	what	what	PRON
easat-10376	172	17	,	,	PUNCT
easat-10376	172	18	and	and	CCONJ
easat-10376	172	19	further	further	ADJ
easat-10376	172	20	research	research	NOUN
easat-10376	172	21	over	over	ADP
easat-10376	172	22	time	time	NOUN
easat-10376	172	23	could	could	AUX
easat-10376	172	24	clarify	clarify	VERB
easat-10376	172	25	how	how	SCONJ
easat-10376	172	26	fintech	fintech	NOUN
easat-10376	172	27	and	and	CCONJ
easat-10376	172	28	digital	digital	ADJ
easat-10376	172	29	literacy	literacy	NOUN
easat-10376	172	30	evolve	evolve	VERB
easat-10376	172	31	together	together	ADV
easat-10376	172	32	.	.	PUNCT
easat-10376	173	1	additionally	additionally	ADV
easat-10376	173	2	,	,	PUNCT
easat-10376	173	3	if	if	SCONJ
easat-10376	173	4	people	people	NOUN
easat-10376	173	5	self	self	NOUN
easat-10376	173	6	-	-	PUNCT
easat-10376	173	7	report	report	VERB
easat-10376	173	8	their	their	PRON
easat-10376	173	9	usage	usage	NOUN
easat-10376	173	10	,	,	PUNCT
easat-10376	173	11	it	it	PRON
easat-10376	173	12	could	could	AUX
easat-10376	173	13	impact	impact	VERB
easat-10376	173	14	the	the	DET
easat-10376	173	15	results	result	NOUN
easat-10376	173	16	;	;	PUNCT
easat-10376	173	17	therefore	therefore	ADV
easat-10376	173	18	,	,	PUNCT
easat-10376	173	19	it	it	PRON
easat-10376	173	20	would	would	AUX
easat-10376	173	21	be	be	AUX
easat-10376	173	22	beneficial	beneficial	ADJ
easat-10376	173	23	to	to	PART
easat-10376	173	24	incorporate	incorporate	VERB
easat-10376	173	25	objective	objective	ADJ
easat-10376	173	26	data	datum	NOUN
easat-10376	173	27	in	in	ADP
easat-10376	173	28	future	future	ADJ
easat-10376	173	29	studies	study	NOUN
easat-10376	173	30	.	.	PUNCT
easat-10376	174	1	while	while	SCONJ
easat-10376	174	2	social	social	ADJ
easat-10376	174	3	groups	group	NOUN
easat-10376	174	4	were	be	AUX
easat-10376	174	5	well	well	ADV
easat-10376	174	6	-	-	PUNCT
easat-10376	174	7	represented	represent	VERB
easat-10376	174	8	,	,	PUNCT
easat-10376	174	9	the	the	DET
easat-10376	174	10	research	research	NOUN
easat-10376	174	11	might	might	AUX
easat-10376	174	12	have	have	AUX
easat-10376	174	13	overlooked	overlook	VERB
easat-10376	174	14	the	the	DET
easat-10376	174	15	financial	financial	ADJ
easat-10376	174	16	issues	issue	NOUN
easat-10376	174	17	that	that	PRON
easat-10376	174	18	most	most	ADJ
easat-10376	174	19	impact	impact	VERB
easat-10376	174	20	rural	rural	ADJ
easat-10376	174	21	populations	population	NOUN
easat-10376	174	22	.	.	PUNCT
easat-10376	175	1	all	all	ADV
easat-10376	175	2	in	in	ADP
easat-10376	175	3	all	all	PRON
easat-10376	175	4	,	,	PUNCT
easat-10376	175	5	the	the	DET
easat-10376	175	6	study	study	NOUN
easat-10376	175	7	proves	prove	VERB
easat-10376	175	8	that	that	SCONJ
easat-10376	175	9	digital	digital	ADJ
easat-10376	175	10	financial	financial	ADJ
easat-10376	175	11	literacy	literacy	NOUN
easat-10376	175	12	greatly	greatly	ADV
easat-10376	175	13	helps	help	VERB
easat-10376	175	14	achieve	achieve	VERB
easat-10376	175	15	financial	financial	ADJ
easat-10376	175	16	inclusion	inclusion	NOUN
easat-10376	175	17	in	in	ADP
easat-10376	175	18	pakistan	pakistan	PROPN
easat-10376	175	19	’s	’s	PART
easat-10376	175	20	fintech	fintech	NOUN
easat-10376	175	21	landscape	landscape	NOUN
easat-10376	175	22	.	.	PUNCT
easat-10376	176	1	learning	learn	VERB
easat-10376	176	2	about	about	ADP
easat-10376	176	3	financial	financial	ADJ
easat-10376	176	4	technology	technology	NOUN
easat-10376	176	5	and	and	CCONJ
easat-10376	176	6	improving	improve	VERB
easat-10376	176	7	digital	digital	ADJ
easat-10376	176	8	literacy	literacy	NOUN
easat-10376	176	9	helps	help	VERB
easat-10376	176	10	167	167	NUM
easat-10376	176	11	edelweiss	edelweiss	PROPN
easat-10376	176	12	applied	apply	VERB
easat-10376	176	13	science	science	NOUN
easat-10376	176	14	and	and	CCONJ
easat-10376	176	15	technology	technology	NOUN
easat-10376	176	16	issn	issn	PROPN
easat-10376	176	17	:	:	PUNCT
easat-10376	176	18	2576	2576	NUM
easat-10376	176	19	-	-	SYM
easat-10376	176	20	8484	8484	NUM
easat-10376	176	21	vol	vol	NOUN
easat-10376	176	22	.	.	PROPN
easat-10376	177	1	9	9	NUM
easat-10376	177	2	,	,	PUNCT
easat-10376	177	3	no	no	INTJ
easat-10376	177	4	.	.	NOUN
easat-10376	177	5	10	10	NUM
easat-10376	177	6	:	:	PUNCT
easat-10376	177	7	160	160	NUM
easat-10376	177	8	-	-	SYM
easat-10376	177	9	169	169	NUM
easat-10376	177	10	,	,	PUNCT
easat-10376	177	11	2025	2025	NUM
easat-10376	177	12	doi	doi	NOUN
easat-10376	177	13	:	:	PUNCT
easat-10376	177	14	10.55214/2576	10.55214/2576	NUM
easat-10376	177	15	-	-	PUNCT
easat-10376	177	16	8484.v9i10.10376	8484.v9i10.10376	NUM
easat-10376	177	17	©	©	PROPN
easat-10376	177	18	2025	2025	NUM
easat-10376	177	19	by	by	ADP
easat-10376	177	20	the	the	DET
easat-10376	177	21	authors	author	NOUN
easat-10376	177	22	;	;	PUNCT
easat-10376	177	23	licensee	licensee	PROPN
easat-10376	177	24	learning	learn	VERB
easat-10376	177	25	gate	gate	VERB
easat-10376	177	26	people	people	NOUN
easat-10376	177	27	from	from	ADP
easat-10376	177	28	marginalized	marginalize	VERB
easat-10376	177	29	communities	community	NOUN
easat-10376	177	30	reduce	reduce	VERB
easat-10376	177	31	their	their	PRON
easat-10376	177	32	financial	financial	ADJ
easat-10376	177	33	divide	divide	NOUN
easat-10376	177	34	.	.	PUNCT
easat-10376	178	1	for	for	ADP
easat-10376	178	2	this	this	DET
easat-10376	178	3	reason	reason	NOUN
easat-10376	178	4	,	,	PUNCT
easat-10376	178	5	policymakers	policymaker	NOUN
easat-10376	178	6	should	should	AUX
easat-10376	178	7	set	set	VERB
easat-10376	178	8	up	up	ADP
easat-10376	178	9	wide	wide	ADV
easat-10376	178	10	-	-	PUNCT
easat-10376	178	11	ranging	range	VERB
easat-10376	178	12	digital	digital	ADJ
easat-10376	178	13	literacy	literacy	NOUN
easat-10376	178	14	efforts	effort	NOUN
easat-10376	178	15	that	that	PRON
easat-10376	178	16	pay	pay	VERB
easat-10376	178	17	special	special	ADJ
easat-10376	178	18	attention	attention	NOUN
easat-10376	178	19	to	to	ADP
easat-10376	178	20	rural	rural	ADJ
easat-10376	178	21	communities	community	NOUN
easat-10376	178	22	and	and	CCONJ
easat-10376	178	23	people	people	NOUN
easat-10376	178	24	with	with	ADP
easat-10376	178	25	lower	low	ADJ
easat-10376	178	26	incomes	income	NOUN
easat-10376	178	27	.	.	PUNCT
easat-10376	179	1	it	it	PRON
easat-10376	179	2	is	be	AUX
easat-10376	179	3	important	important	ADJ
easat-10376	179	4	for	for	SCONJ
easat-10376	179	5	fintech	fintech	NOUN
easat-10376	179	6	providers	provider	NOUN
easat-10376	179	7	to	to	PART
easat-10376	179	8	make	make	VERB
easat-10376	179	9	their	their	PRON
easat-10376	179	10	systems	system	NOUN
easat-10376	179	11	more	more	ADV
easat-10376	179	12	userfriendly	userfriendly	ADV
easat-10376	179	13	and	and	CCONJ
easat-10376	179	14	educational	educational	ADJ
easat-10376	179	15	to	to	PART
easat-10376	179	16	win	win	VERB
easat-10376	179	17	users	user	NOUN
easat-10376	179	18	’	’	PART
easat-10376	179	19	trust	trust	NOUN
easat-10376	179	20	and	and	CCONJ
easat-10376	179	21	welcome	welcome	VERB
easat-10376	179	22	them	they	PRON
easat-10376	179	23	.	.	PUNCT
easat-10376	180	1	participation	participation	NOUN
easat-10376	180	2	from	from	ADP
easat-10376	180	3	financial	financial	ADJ
easat-10376	180	4	services	service	NOUN
easat-10376	180	5	,	,	PUNCT
easat-10376	180	6	government	government	NOUN
easat-10376	180	7	agencies	agency	NOUN
easat-10376	180	8	,	,	PUNCT
easat-10376	180	9	and	and	CCONJ
easat-10376	180	10	ngos	ngo	NOUN
easat-10376	180	11	may	may	AUX
easat-10376	180	12	help	help	VERB
easat-10376	180	13	more	more	ADJ
easat-10376	180	14	people	people	NOUN
easat-10376	180	15	recognize	recognize	VERB
easat-10376	180	16	and	and	CCONJ
easat-10376	180	17	rely	rely	VERB
easat-10376	180	18	on	on	ADP
easat-10376	180	19	digital	digital	ADJ
easat-10376	180	20	services	service	NOUN
easat-10376	180	21	.	.	PUNCT
easat-10376	181	1	in	in	ADP
easat-10376	181	2	the	the	DET
easat-10376	181	3	future	future	NOUN
easat-10376	181	4	,	,	PUNCT
easat-10376	181	5	researchers	researcher	NOUN
easat-10376	181	6	need	need	VERB
easat-10376	181	7	to	to	PART
easat-10376	181	8	study	study	VERB
easat-10376	181	9	the	the	DET
easat-10376	181	10	lasting	last	VERB
easat-10376	181	11	effects	effect	NOUN
easat-10376	181	12	of	of	ADP
easat-10376	181	13	digital	digital	ADJ
easat-10376	181	14	literacy	literacy	NOUN
easat-10376	181	15	initiatives	initiative	NOUN
easat-10376	181	16	on	on	ADP
easat-10376	181	17	people	people	NOUN
easat-10376	181	18	’s	’s	PART
easat-10376	181	19	finances	finance	NOUN
easat-10376	181	20	,	,	PUNCT
easat-10376	181	21	look	look	VERB
easat-10376	181	22	into	into	ADP
easat-10376	181	23	why	why	SCONJ
easat-10376	181	24	individuals	individual	NOUN
easat-10376	181	25	are	be	AUX
easat-10376	181	26	concerned	concerned	ADJ
easat-10376	181	27	about	about	ADP
easat-10376	181	28	trust	trust	NOUN
easat-10376	181	29	and	and	CCONJ
easat-10376	181	30	safety	safety	NOUN
easat-10376	181	31	with	with	ADP
easat-10376	181	32	new	new	ADJ
easat-10376	181	33	financial	financial	ADJ
easat-10376	181	34	platforms	platform	NOUN
easat-10376	181	35	,	,	PUNCT
easat-10376	181	36	and	and	CCONJ
easat-10376	181	37	survey	survey	NOUN
easat-10376	181	38	surveys	survey	NOUN
easat-10376	181	39	in	in	ADP
easat-10376	181	40	pakistan	pakistan	PROPN
easat-10376	181	41	to	to	PART
easat-10376	181	42	make	make	VERB
easat-10376	181	43	helpful	helpful	ADJ
easat-10376	181	44	fintech	fintech	NOUN
easat-10376	181	45	programs	program	NOUN
easat-10376	181	46	for	for	ADP
easat-10376	181	47	everyone	everyone	PRON
easat-10376	181	48	.	.	PUNCT
easat-10376	182	1	increasing	increase	VERB
easat-10376	182	2	digital	digital	ADJ
easat-10376	182	3	financial	financial	ADJ
easat-10376	182	4	literacy	literacy	NOUN
easat-10376	182	5	encourages	encourage	VERB
easat-10376	182	6	individuals	individual	NOUN
easat-10376	182	7	and	and	CCONJ
easat-10376	182	8	leads	lead	VERB
easat-10376	182	9	to	to	ADP
easat-10376	182	10	an	an	DET
easat-10376	182	11	increase	increase	NOUN
easat-10376	182	12	in	in	ADP
easat-10376	182	13	the	the	DET
easat-10376	182	14	extension	extension	NOUN
easat-10376	182	15	and	and	CCONJ
easat-10376	182	16	sustainability	sustainability	NOUN
easat-10376	182	17	of	of	ADP
easat-10376	182	18	the	the	DET
easat-10376	182	19	financial	financial	ADJ
easat-10376	182	20	sector	sector	NOUN
easat-10376	182	21	,	,	PUNCT
easat-10376	182	22	which	which	PRON
easat-10376	182	23	helps	help	VERB
easat-10376	182	24	the	the	DET
easat-10376	182	25	overall	overall	ADJ
easat-10376	182	26	economy	economy	NOUN
easat-10376	182	27	.	.	PUNCT
easat-10376	183	1	transparency	transparency	NOUN
easat-10376	183	2	:	:	PUNCT
easat-10376	183	3	the	the	DET
easat-10376	183	4	authors	author	NOUN
easat-10376	183	5	confirm	confirm	VERB
easat-10376	183	6	that	that	SCONJ
easat-10376	183	7	the	the	DET
easat-10376	183	8	manuscript	manuscript	NOUN
easat-10376	183	9	is	be	AUX
easat-10376	183	10	an	an	DET
easat-10376	183	11	honest	honest	ADJ
easat-10376	183	12	,	,	PUNCT
easat-10376	183	13	accurate	accurate	ADJ
easat-10376	183	14	,	,	PUNCT
easat-10376	183	15	and	and	CCONJ
easat-10376	183	16	transparent	transparent	ADJ
easat-10376	183	17	account	account	NOUN
easat-10376	183	18	of	of	ADP
easat-10376	183	19	the	the	DET
easat-10376	183	20	study	study	NOUN
easat-10376	183	21	;	;	PUNCT
easat-10376	183	22	that	that	SCONJ
easat-10376	183	23	no	no	DET
easat-10376	183	24	vital	vital	ADJ
easat-10376	183	25	features	feature	NOUN
easat-10376	183	26	of	of	ADP
easat-10376	183	27	the	the	DET
easat-10376	183	28	study	study	NOUN
easat-10376	183	29	have	have	AUX
easat-10376	183	30	been	be	AUX
easat-10376	183	31	omitted	omit	VERB
easat-10376	183	32	;	;	PUNCT
easat-10376	183	33	and	and	CCONJ
easat-10376	183	34	that	that	SCONJ
easat-10376	183	35	any	any	DET
easat-10376	183	36	discrepancies	discrepancy	NOUN
easat-10376	183	37	from	from	ADP
easat-10376	183	38	the	the	DET
easat-10376	183	39	study	study	NOUN
easat-10376	183	40	as	as	SCONJ
easat-10376	183	41	planned	plan	VERB
easat-10376	183	42	have	have	AUX
easat-10376	183	43	been	be	AUX
easat-10376	183	44	explained	explain	VERB
easat-10376	183	45	.	.	PUNCT
easat-10376	184	1	this	this	DET
easat-10376	184	2	study	study	NOUN
easat-10376	184	3	followed	follow	VERB
easat-10376	184	4	all	all	DET
easat-10376	184	5	ethical	ethical	ADJ
easat-10376	184	6	practices	practice	NOUN
easat-10376	184	7	during	during	ADP
easat-10376	184	8	writing	writing	NOUN
easat-10376	184	9	.	.	PUNCT
easat-10376	185	1	copyright	copyright	NOUN
easat-10376	185	2	:	:	PUNCT
easat-10376	185	3	©	©	PROPN
easat-10376	185	4	2025	2025	NUM
easat-10376	185	5	by	by	ADP
easat-10376	185	6	the	the	DET
easat-10376	185	7	authors	author	NOUN
easat-10376	185	8	.	.	PUNCT
easat-10376	186	1	this	this	DET
easat-10376	186	2	open	open	ADJ
easat-10376	186	3	-	-	PUNCT
easat-10376	186	4	access	access	NOUN
easat-10376	186	5	article	article	NOUN
easat-10376	186	6	is	be	AUX
easat-10376	186	7	distributed	distribute	VERB
easat-10376	186	8	under	under	ADP
easat-10376	186	9	the	the	DET
easat-10376	186	10	terms	term	NOUN
easat-10376	186	11	and	and	CCONJ
easat-10376	186	12	conditions	condition	NOUN
easat-10376	186	13	of	of	ADP
easat-10376	186	14	the	the	DET
easat-10376	186	15	creative	creative	ADJ
easat-10376	186	16	commons	common	NOUN
easat-10376	186	17	attribution	attribution	NOUN
easat-10376	186	18	(	(	PUNCT
easat-10376	186	19	cc	cc	NOUN
easat-10376	186	20	by	by	ADP
easat-10376	186	21	)	)	PUNCT
easat-10376	186	22	license	license	NOUN
easat-10376	186	23	(	(	PUNCT
easat-10376	186	24	https://creativecommons.org/licenses/by/4.0/	https://creativecommons.org/licenses/by/4.0/	PROPN
easat-10376	186	25	)	)	PUNCT
easat-10376	186	26	.	.	PUNCT
easat-10376	187	1	references	reference	NOUN
easat-10376	187	2	[	[	X
easat-10376	187	3	1	1	NUM
easat-10376	187	4	]	]	PUNCT
easat-10376	187	5	a.	a.	NOUN
easat-10376	187	6	demirgüç	demirgüç	PROPN
easat-10376	187	7	-	-	PUNCT
easat-10376	187	8	kunt	kunt	PROPN
easat-10376	187	9	,	,	PUNCT
easat-10376	187	10	k.	k.	PROPN
easat-10376	187	11	leora	leora	PROPN
easat-10376	187	12	,	,	PUNCT
easat-10376	187	13	s.	s.	PROPN
easat-10376	187	14	dorothe	dorothe	PROPN
easat-10376	187	15	,	,	PUNCT
easat-10376	187	16	and	and	CCONJ
easat-10376	187	17	a.	a.	PROPN
easat-10376	187	18	saniya	saniya	PROPN
easat-10376	187	19	,	,	PUNCT
easat-10376	187	20	the	the	DET
easat-10376	187	21	global	global	ADJ
easat-10376	187	22	findex	findex	PROPN
easat-10376	187	23	database	database	NOUN
easat-10376	187	24	2021	2021	NUM
easat-10376	187	25	:	:	PUNCT
easat-10376	187	26	financial	financial	ADJ
easat-10376	187	27	inclusion	inclusion	NOUN
easat-10376	187	28	,	,	PUNCT
easat-10376	187	29	digital	digital	ADJ
easat-10376	187	30	payments	payment	NOUN
easat-10376	187	31	,	,	PUNCT
easat-10376	187	32	and	and	CCONJ
easat-10376	187	33	resilience	resilience	NOUN
easat-10376	187	34	in	in	ADP
easat-10376	187	35	the	the	DET
easat-10376	187	36	age	age	NOUN
easat-10376	187	37	of	of	ADP
easat-10376	187	38	covid-19	covid-19	PROPN
easat-10376	187	39	.	.	PUNCT
easat-10376	188	1	washington	washington	PROPN
easat-10376	188	2	,	,	PUNCT
easat-10376	188	3	dc	dc	PROPN
easat-10376	188	4	:	:	PUNCT
easat-10376	188	5	world	world	PROPN
easat-10376	188	6	bank	bank	PROPN
easat-10376	188	7	publications	publication	NOUN
easat-10376	188	8	,	,	PUNCT
easat-10376	188	9	2022	2022	NUM
easat-10376	188	10	.	.	PUNCT
easat-10376	189	1	[	[	X
easat-10376	189	2	2	2	NUM
easat-10376	189	3	]	]	PUNCT
easat-10376	189	4	a.	a.	NOUN
easat-10376	189	5	aleemi	aleemi	PROPN
easat-10376	189	6	,	,	PUNCT
easat-10376	189	7	f.	f.	PROPN
easat-10376	189	8	javaid	javaid	PROPN
easat-10376	189	9	,	,	PUNCT
easat-10376	189	10	and	and	CCONJ
easat-10376	189	11	s.	s.	PROPN
easat-10376	189	12	hafeez	hafeez	PROPN
easat-10376	189	13	,	,	PUNCT
easat-10376	189	14	"	"	PUNCT
easat-10376	189	15	finclusion	finclusion	NOUN
easat-10376	189	16	:	:	PUNCT
easat-10376	189	17	the	the	DET
easat-10376	189	18	nexus	nexus	NOUN
easat-10376	189	19	of	of	ADP
easat-10376	189	20	fintech	fintech	NOUN
easat-10376	189	21	and	and	CCONJ
easat-10376	189	22	financial	financial	ADJ
easat-10376	189	23	inclusion	inclusion	NOUN
easat-10376	189	24	against	against	ADP
easat-10376	189	25	banks	bank	NOUN
easat-10376	189	26	'	'	PART
easat-10376	189	27	market	market	NOUN
easat-10376	189	28	power	power	NOUN
easat-10376	189	29	,	,	PUNCT
easat-10376	189	30	"	"	PUNCT
easat-10376	189	31	heliyon	heliyon	NOUN
easat-10376	189	32	,	,	PUNCT
easat-10376	189	33	vol	vol	NOUN
easat-10376	189	34	.	.	PROPN
easat-10376	189	35	9	9	NUM
easat-10376	189	36	,	,	PUNCT
easat-10376	189	37	no	no	INTJ
easat-10376	189	38	.	.	NOUN
easat-10376	189	39	12	12	NUM
easat-10376	189	40	,	,	PUNCT
easat-10376	189	41	p.	p.	NOUN
easat-10376	189	42	e22551	e22551	PROPN
easat-10376	189	43	,	,	PUNCT
easat-10376	189	44	2023	2023	NUM
easat-10376	189	45	.	.	PUNCT
easat-10376	190	1	https://doi.org/10.1016/j.heliyon.2023.e22551	https://doi.org/10.1016/j.heliyon.2023.e22551	X
easat-10376	191	1	[	[	X
easat-10376	191	2	3	3	NUM
easat-10376	191	3	]	]	PUNCT
easat-10376	191	4	p.	p.	NOUN
easat-10376	191	5	k.	k.	PROPN
easat-10376	192	1	senyo	senyo	PROPN
easat-10376	192	2	and	and	CCONJ
easat-10376	192	3	e.	e.	PROPN
easat-10376	192	4	l.	l.	PROPN
easat-10376	192	5	c.	c.	PROPN
easat-10376	192	6	osabutey	osabutey	PROPN
easat-10376	192	7	,	,	PUNCT
easat-10376	192	8	"	"	PUNCT
easat-10376	192	9	unearthing	unearth	VERB
easat-10376	192	10	antecedents	antecedent	NOUN
easat-10376	192	11	to	to	ADP
easat-10376	192	12	financial	financial	ADJ
easat-10376	192	13	inclusion	inclusion	NOUN
easat-10376	192	14	through	through	ADP
easat-10376	192	15	fintech	fintech	NOUN
easat-10376	192	16	innovations	innovation	NOUN
easat-10376	192	17	,	,	PUNCT
easat-10376	192	18	"	"	PUNCT
easat-10376	192	19	technovation	technovation	NOUN
easat-10376	192	20	,	,	PUNCT
easat-10376	192	21	vol	vol	NOUN
easat-10376	192	22	.	.	PROPN
easat-10376	192	23	98	98	NUM
easat-10376	192	24	,	,	PUNCT
easat-10376	192	25	p.	p.	NOUN
easat-10376	192	26	102155	102155	NUM
easat-10376	192	27	,	,	PUNCT
easat-10376	192	28	2020	2020	NUM
easat-10376	192	29	.	.	PUNCT
easat-10376	193	1	https://doi.org/10.1016/j.technovation.2020.102155	https://doi.org/10.1016/j.technovation.2020.102155	NOUN
easat-10376	193	2	[	[	X
easat-10376	193	3	4	4	NUM
easat-10376	193	4	]	]	PUNCT
easat-10376	193	5	m.	m.	NOUN
easat-10376	193	6	asif	asif	PROPN
easat-10376	193	7	,	,	PUNCT
easat-10376	193	8	m.	m.	NOUN
easat-10376	193	9	n.	n.	PROPN
easat-10376	193	10	khan	khan	PROPN
easat-10376	193	11	,	,	PUNCT
easat-10376	193	12	s.	s.	PROPN
easat-10376	193	13	tiwari	tiwari	PROPN
easat-10376	193	14	,	,	PUNCT
easat-10376	193	15	s.	s.	PROPN
easat-10376	193	16	k.	k.	PROPN
easat-10376	193	17	wani	wani	PROPN
easat-10376	193	18	,	,	PUNCT
easat-10376	193	19	and	and	CCONJ
easat-10376	193	20	f.	f.	PROPN
easat-10376	193	21	alam	alam	PROPN
easat-10376	193	22	,	,	PUNCT
easat-10376	193	23	"	"	PUNCT
easat-10376	193	24	the	the	DET
easat-10376	193	25	impact	impact	NOUN
easat-10376	193	26	of	of	ADP
easat-10376	193	27	fintech	fintech	NOUN
easat-10376	193	28	and	and	CCONJ
easat-10376	193	29	digital	digital	ADJ
easat-10376	193	30	financial	financial	ADJ
easat-10376	193	31	services	service	NOUN
easat-10376	193	32	on	on	ADP
easat-10376	193	33	financial	financial	ADJ
easat-10376	193	34	inclusion	inclusion	NOUN
easat-10376	193	35	in	in	ADP
easat-10376	193	36	india	india	PROPN
easat-10376	193	37	,	,	PUNCT
easat-10376	193	38	"	"	PUNCT
easat-10376	193	39	journal	journal	NOUN
easat-10376	193	40	of	of	ADP
easat-10376	193	41	risk	risk	NOUN
easat-10376	193	42	and	and	CCONJ
easat-10376	193	43	financial	financial	ADJ
easat-10376	193	44	management	management	NOUN
easat-10376	193	45	,	,	PUNCT
easat-10376	193	46	vol	vol	NOUN
easat-10376	193	47	.	.	PROPN
easat-10376	193	48	16	16	NUM
easat-10376	193	49	,	,	PUNCT
easat-10376	193	50	no	no	INTJ
easat-10376	193	51	.	.	NOUN
easat-10376	193	52	2	2	NUM
easat-10376	193	53	,	,	PUNCT
easat-10376	193	54	p.	p.	NOUN
easat-10376	193	55	122	122	NUM
easat-10376	193	56	,	,	PUNCT
easat-10376	193	57	2023	2023	NUM
easat-10376	193	58	.	.	PUNCT
easat-10376	194	1	https://doi.org/10.3390/jrfm16020122	https://doi.org/10.3390/jrfm16020122	PROPN
easat-10376	195	1	[	[	X
easat-10376	195	2	5	5	NUM
easat-10376	195	3	]	]	PUNCT
easat-10376	195	4	m.	m.	NOUN
easat-10376	195	5	a.	a.	NOUN
easat-10376	195	6	idrees	idree	NOUN
easat-10376	195	7	and	and	CCONJ
easat-10376	195	8	s.	s.	PROPN
easat-10376	195	9	ullah	ullah	PROPN
easat-10376	195	10	,	,	PUNCT
easat-10376	195	11	"	"	PUNCT
easat-10376	195	12	comparative	comparative	ADJ
easat-10376	195	13	analysis	analysis	NOUN
easat-10376	195	14	of	of	ADP
easat-10376	195	15	fintech	fintech	NOUN
easat-10376	195	16	adoption	adoption	NOUN
easat-10376	195	17	among	among	ADP
easat-10376	195	18	islamic	islamic	ADJ
easat-10376	195	19	and	and	CCONJ
easat-10376	195	20	conventional	conventional	ADJ
easat-10376	195	21	banking	banking	NOUN
easat-10376	195	22	users	user	NOUN
easat-10376	195	23	with	with	ADP
easat-10376	195	24	moderating	moderate	VERB
easat-10376	195	25	effect	effect	NOUN
easat-10376	195	26	of	of	ADP
easat-10376	195	27	education	education	NOUN
easat-10376	195	28	level	level	NOUN
easat-10376	195	29	:	:	PUNCT
easat-10376	195	30	a	a	DET
easat-10376	195	31	utaut2	utaut2	NOUN
easat-10376	195	32	perspective	perspective	NOUN
easat-10376	195	33	,	,	PUNCT
easat-10376	195	34	"	"	PUNCT
easat-10376	195	35	journal	journal	NOUN
easat-10376	195	36	of	of	ADP
easat-10376	195	37	open	open	ADJ
easat-10376	195	38	innovation	innovation	NOUN
easat-10376	195	39	:	:	PUNCT
easat-10376	195	40	technology	technology	NOUN
easat-10376	195	41	,	,	PUNCT
easat-10376	195	42	market	market	NOUN
easat-10376	195	43	,	,	PUNCT
easat-10376	195	44	and	and	CCONJ
easat-10376	195	45	complexity	complexity	NOUN
easat-10376	195	46	,	,	PUNCT
easat-10376	195	47	vol	vol	NOUN
easat-10376	195	48	.	.	PROPN
easat-10376	195	49	10	10	NUM
easat-10376	195	50	,	,	PUNCT
easat-10376	195	51	no	no	INTJ
easat-10376	195	52	.	.	NOUN
easat-10376	195	53	3	3	NUM
easat-10376	195	54	,	,	PUNCT
easat-10376	195	55	p.	p.	NOUN
easat-10376	195	56	100343	100343	NUM
easat-10376	195	57	,	,	PUNCT
easat-10376	195	58	2024	2024	NUM
easat-10376	195	59	.	.	PUNCT
easat-10376	196	1	https://doi.org/10.1016/j.joitmc.2024.100343	https://doi.org/10.1016/j.joitmc.2024.100343	NOUN
easat-10376	197	1	[	[	X
easat-10376	197	2	6	6	NUM
easat-10376	197	3	]	]	PUNCT
easat-10376	197	4	k.	k.	PROPN
easat-10376	197	5	jangir	jangir	PROPN
easat-10376	197	6	,	,	PUNCT
easat-10376	197	7	v.	v.	PROPN
easat-10376	197	8	sharma	sharma	PROPN
easat-10376	197	9	,	,	PUNCT
easat-10376	197	10	s.	s.	PROPN
easat-10376	197	11	taneja	taneja	PROPN
easat-10376	197	12	,	,	PUNCT
easat-10376	197	13	and	and	CCONJ
easat-10376	197	14	r.	r.	PROPN
easat-10376	197	15	rupeika	rupeika	PROPN
easat-10376	197	16	-	-	PUNCT
easat-10376	197	17	apoga	apoga	NOUN
easat-10376	197	18	,	,	PUNCT
easat-10376	197	19	"	"	PUNCT
easat-10376	197	20	the	the	DET
easat-10376	197	21	moderating	moderate	VERB
easat-10376	197	22	effect	effect	NOUN
easat-10376	197	23	of	of	ADP
easat-10376	197	24	perceived	perceive	VERB
easat-10376	197	25	risk	risk	NOUN
easat-10376	197	26	on	on	ADP
easat-10376	197	27	users	user	NOUN
easat-10376	197	28	’	’	PART
easat-10376	197	29	continuance	continuance	NOUN
easat-10376	197	30	intention	intention	NOUN
easat-10376	197	31	for	for	ADP
easat-10376	197	32	fintech	fintech	NOUN
easat-10376	197	33	services	service	NOUN
easat-10376	197	34	,	,	PUNCT
easat-10376	197	35	"	"	PUNCT
easat-10376	197	36	journal	journal	NOUN
easat-10376	197	37	of	of	ADP
easat-10376	197	38	risk	risk	NOUN
easat-10376	197	39	and	and	CCONJ
easat-10376	197	40	financial	financial	ADJ
easat-10376	197	41	management	management	NOUN
easat-10376	197	42	,	,	PUNCT
easat-10376	197	43	vol	vol	NOUN
easat-10376	197	44	.	.	PROPN
easat-10376	197	45	16	16	NUM
easat-10376	197	46	,	,	PUNCT
easat-10376	197	47	no	no	INTJ
easat-10376	197	48	.	.	NOUN
easat-10376	197	49	1	1	NUM
easat-10376	197	50	,	,	PUNCT
easat-10376	197	51	p.	p.	NOUN
easat-10376	197	52	21	21	NUM
easat-10376	197	53	,	,	PUNCT
easat-10376	197	54	2023	2023	NUM
easat-10376	197	55	.	.	PUNCT
easat-10376	198	1	https://doi.org/10.3390/jrfm16010021	https://doi.org/10.3390/jrfm16010021	NOUN
easat-10376	199	1	[	[	X
easat-10376	199	2	7	7	NUM
easat-10376	199	3	]	]	PUNCT
easat-10376	199	4	a.	a.	NOUN
easat-10376	199	5	nasir	nasir	PROPN
easat-10376	199	6	,	,	PUNCT
easat-10376	199	7	n.	n.	PROPN
easat-10376	199	8	jan	jan	PROPN
easat-10376	199	9	,	,	PUNCT
easat-10376	199	10	d.	d.	PROPN
easat-10376	199	11	pamucar	pamucar	PROPN
easat-10376	199	12	,	,	PUNCT
easat-10376	199	13	and	and	CCONJ
easat-10376	199	14	s.	s.	PROPN
easat-10376	199	15	u.	u.	PROPN
easat-10376	199	16	khan	khan	PROPN
easat-10376	199	17	,	,	PUNCT
easat-10376	199	18	"	"	PUNCT
easat-10376	199	19	analysis	analysis	NOUN
easat-10376	199	20	of	of	ADP
easat-10376	199	21	cybercrimes	cybercrime	NOUN
easat-10376	199	22	and	and	CCONJ
easat-10376	199	23	security	security	NOUN
easat-10376	199	24	in	in	ADP
easat-10376	199	25	fintech	fintech	NOUN
easat-10376	199	26	industries	industry	NOUN
easat-10376	199	27	using	use	VERB
easat-10376	199	28	the	the	DET
easat-10376	199	29	novel	novel	ADJ
easat-10376	199	30	concepts	concept	NOUN
easat-10376	199	31	of	of	ADP
easat-10376	199	32	interval	interval	NOUN
easat-10376	199	33	-	-	PUNCT
easat-10376	199	34	valued	value	VERB
easat-10376	199	35	complex	complex	ADJ
easat-10376	199	36	q	q	ADJ
easat-10376	199	37	-	-	PUNCT
easat-10376	199	38	rung	rung	ADJ
easat-10376	199	39	orthopair	orthopair	ADJ
easat-10376	199	40	fuzzy	fuzzy	ADJ
easat-10376	199	41	relations	relation	NOUN
easat-10376	199	42	,	,	PUNCT
easat-10376	199	43	"	"	PUNCT
easat-10376	199	44	expert	expert	NOUN
easat-10376	199	45	systems	system	NOUN
easat-10376	199	46	with	with	ADP
easat-10376	199	47	applications	application	NOUN
easat-10376	199	48	,	,	PUNCT
easat-10376	199	49	vol	vol	NOUN
easat-10376	199	50	.	.	PROPN
easat-10376	199	51	224	224	NUM
easat-10376	199	52	,	,	PUNCT
easat-10376	199	53	p.	p.	NOUN
easat-10376	199	54	119976	119976	NUM
easat-10376	199	55	,	,	PUNCT
easat-10376	199	56	2023	2023	NUM
easat-10376	199	57	.	.	PUNCT
easat-10376	200	1	[	[	X
easat-10376	200	2	8	8	NUM
easat-10376	200	3	]	]	PUNCT
easat-10376	200	4	t.	t.	PROPN
easat-10376	200	5	ravikumar	ravikumar	PROPN
easat-10376	200	6	,	,	PUNCT
easat-10376	200	7	b.	b.	PROPN
easat-10376	200	8	suresha	suresha	PROPN
easat-10376	200	9	,	,	PUNCT
easat-10376	200	10	n.	n.	PROPN
easat-10376	200	11	prakash	prakash	PROPN
easat-10376	200	12	,	,	PUNCT
easat-10376	200	13	k.	k.	PROPN
easat-10376	200	14	vazirani	vazirani	PROPN
easat-10376	200	15	,	,	PUNCT
easat-10376	200	16	and	and	CCONJ
easat-10376	200	17	t.	t.	PROPN
easat-10376	200	18	a.	a.	PROPN
easat-10376	200	19	krishna	krishna	PROPN
easat-10376	200	20	,	,	PUNCT
easat-10376	200	21	"	"	PUNCT
easat-10376	200	22	digital	digital	ADJ
easat-10376	200	23	financial	financial	ADJ
easat-10376	200	24	literacy	literacy	NOUN
easat-10376	200	25	among	among	ADP
easat-10376	200	26	adults	adult	NOUN
easat-10376	200	27	in	in	ADP
easat-10376	200	28	india	india	PROPN
easat-10376	200	29	:	:	PUNCT
easat-10376	200	30	measurement	measurement	NOUN
easat-10376	200	31	and	and	CCONJ
easat-10376	200	32	validation	validation	NOUN
easat-10376	200	33	,	,	PUNCT
easat-10376	200	34	"	"	PUNCT
easat-10376	200	35	cogent	cogent	NOUN
easat-10376	200	36	economics	economic	NOUN
easat-10376	200	37	&	&	CCONJ
easat-10376	200	38	finance	finance	PROPN
easat-10376	200	39	,	,	PUNCT
easat-10376	200	40	vol	vol	NOUN
easat-10376	200	41	.	.	PROPN
easat-10376	200	42	10	10	NUM
easat-10376	200	43	,	,	PUNCT
easat-10376	200	44	no	no	INTJ
easat-10376	200	45	.	.	NOUN
easat-10376	200	46	1	1	NUM
easat-10376	200	47	,	,	PUNCT
easat-10376	200	48	p.	p.	NOUN
easat-10376	200	49	2132631	2132631	NUM
easat-10376	200	50	,	,	PUNCT
easat-10376	200	51	2022	2022	NUM
easat-10376	200	52	.	.	PUNCT
easat-10376	201	1	https://doi.org/10.1080/23322039.2022.2132631	https://doi.org/10.1080/23322039.2022.2132631	X
easat-10376	202	1	[	[	X
easat-10376	202	2	9	9	NUM
easat-10376	202	3	]	]	PUNCT
easat-10376	202	4	a.	a.	NOUN
easat-10376	202	5	lo	lo	PROPN
easat-10376	202	6	prete	prete	NOUN
easat-10376	202	7	,	,	PUNCT
easat-10376	202	8	"	"	PUNCT
easat-10376	202	9	digital	digital	ADJ
easat-10376	202	10	and	and	CCONJ
easat-10376	202	11	financial	financial	ADJ
easat-10376	202	12	literacy	literacy	NOUN
easat-10376	202	13	as	as	ADP
easat-10376	202	14	determinants	determinant	NOUN
easat-10376	202	15	of	of	ADP
easat-10376	202	16	digital	digital	ADJ
easat-10376	202	17	payments	payment	NOUN
easat-10376	202	18	and	and	CCONJ
easat-10376	202	19	personal	personal	ADJ
easat-10376	202	20	finance	finance	NOUN
easat-10376	202	21	,	,	PUNCT
easat-10376	202	22	"	"	PUNCT
easat-10376	202	23	economics	economic	NOUN
easat-10376	202	24	letters	letter	NOUN
easat-10376	202	25	,	,	PUNCT
easat-10376	202	26	vol	vol	NOUN
easat-10376	202	27	.	.	NOUN
easat-10376	202	28	213	213	NUM
easat-10376	202	29	,	,	PUNCT
easat-10376	202	30	p.	p.	NOUN
easat-10376	202	31	110378	110378	NUM
easat-10376	202	32	,	,	PUNCT
easat-10376	202	33	2022	2022	NUM
easat-10376	202	34	.	.	PUNCT
easat-10376	203	1	https://doi.org/10.1016/j.econlet.2022.110378	https://doi.org/10.1016/j.econlet.2022.110378	ADJ
easat-10376	204	1	[	[	X
easat-10376	204	2	10	10	NUM
easat-10376	204	3	]	]	PUNCT
easat-10376	204	4	a.	a.	NOUN
easat-10376	204	5	zait	zait	NOUN
easat-10376	204	6	and	and	CCONJ
easat-10376	204	7	p.	p.	PROPN
easat-10376	204	8	e.	e.	PROPN
easat-10376	204	9	bertea	bertea	PROPN
easat-10376	204	10	,	,	PUNCT
easat-10376	204	11	"	"	PUNCT
easat-10376	204	12	financial	financial	ADJ
easat-10376	204	13	literacy	literacy	NOUN
easat-10376	204	14	–	–	PUNCT
easat-10376	204	15	conceptual	conceptual	ADJ
easat-10376	204	16	definition	definition	NOUN
easat-10376	204	17	and	and	CCONJ
easat-10376	204	18	proposed	propose	VERB
easat-10376	204	19	approach	approach	NOUN
easat-10376	204	20	for	for	ADP
easat-10376	204	21	a	a	DET
easat-10376	204	22	measurement	measurement	NOUN
easat-10376	204	23	instrument	instrument	NOUN
easat-10376	204	24	,	,	PUNCT
easat-10376	204	25	"	"	PUNCT
easat-10376	204	26	journal	journal	NOUN
easat-10376	204	27	of	of	ADP
easat-10376	204	28	accounting	accounting	NOUN
easat-10376	204	29	and	and	CCONJ
easat-10376	204	30	management	management	NOUN
easat-10376	204	31	,	,	PUNCT
easat-10376	204	32	vol	vol	NOUN
easat-10376	204	33	.	.	PROPN
easat-10376	204	34	4	4	NUM
easat-10376	204	35	,	,	PUNCT
easat-10376	204	36	no	no	INTJ
easat-10376	204	37	.	.	NOUN
easat-10376	204	38	3	3	NUM
easat-10376	204	39	,	,	PUNCT
easat-10376	204	40	pp	pp	ADJ
easat-10376	204	41	.	.	PUNCT
easat-10376	205	1	37–42	37–42	NUM
easat-10376	205	2	,	,	PUNCT
easat-10376	205	3	2015	2015	NUM
easat-10376	205	4	.	.	PUNCT
easat-10376	206	1	[	[	X
easat-10376	206	2	11	11	NUM
easat-10376	206	3	]	]	PUNCT
easat-10376	206	4	k.	k.	PROPN
easat-10376	206	5	kakinuma	kakinuma	PROPN
easat-10376	206	6	,	,	PUNCT
easat-10376	206	7	m.	m.	PROPN
easat-10376	206	8	j.	j.	PROPN
easat-10376	206	9	puma	puma	PROPN
easat-10376	206	10	,	,	PUNCT
easat-10376	206	11	y.	y.	PROPN
easat-10376	206	12	hirabayashi	hirabayashi	PROPN
easat-10376	206	13	,	,	PUNCT
easat-10376	206	14	m.	m.	NOUN
easat-10376	206	15	tanoue	tanoue	NOUN
easat-10376	206	16	,	,	PUNCT
easat-10376	206	17	e.	e.	PROPN
easat-10376	206	18	a.	a.	PROPN
easat-10376	206	19	baptista	baptista	PROPN
easat-10376	206	20	,	,	PUNCT
easat-10376	206	21	and	and	CCONJ
easat-10376	206	22	s.	s.	PROPN
easat-10376	206	23	kanae	kanae	PROPN
easat-10376	206	24	,	,	PUNCT
easat-10376	206	25	"	"	PUNCT
easat-10376	206	26	flood	flood	NOUN
easat-10376	206	27	-	-	PUNCT
easat-10376	206	28	induced	induce	VERB
easat-10376	206	29	population	population	NOUN
easat-10376	206	30	displacements	displacement	NOUN
easat-10376	206	31	in	in	ADP
easat-10376	206	32	the	the	DET
easat-10376	206	33	world	world	NOUN
easat-10376	206	34	,	,	PUNCT
easat-10376	206	35	"	"	PUNCT
easat-10376	206	36	environmental	environmental	ADJ
easat-10376	206	37	research	research	NOUN
easat-10376	206	38	letters	letter	NOUN
easat-10376	206	39	,	,	PUNCT
easat-10376	206	40	vol	vol	NOUN
easat-10376	206	41	.	.	PROPN
easat-10376	206	42	15	15	NUM
easat-10376	206	43	,	,	PUNCT
easat-10376	206	44	no	no	INTJ
easat-10376	206	45	.	.	NOUN
easat-10376	206	46	12	12	NUM
easat-10376	206	47	,	,	PUNCT
easat-10376	206	48	p.	p.	NOUN
easat-10376	206	49	124029	124029	NUM
easat-10376	206	50	,	,	PUNCT
easat-10376	206	51	2020	2020	NUM
easat-10376	206	52	.	.	PUNCT
easat-10376	207	1	https://doi.org/10.1088/1748-9326/abc586	https://doi.org/10.1088/1748-9326/abc586	PROPN
easat-10376	207	2	[	[	X
easat-10376	207	3	12	12	NUM
easat-10376	207	4	]	]	X
easat-10376	207	5	y.	y.	PROPN
easat-10376	207	6	kakinuma	kakinuma	PROPN
easat-10376	207	7	,	,	PUNCT
easat-10376	207	8	"	"	PUNCT
easat-10376	207	9	financial	financial	ADJ
easat-10376	207	10	literacy	literacy	NOUN
easat-10376	207	11	and	and	CCONJ
easat-10376	207	12	quality	quality	NOUN
easat-10376	207	13	of	of	ADP
easat-10376	207	14	life	life	NOUN
easat-10376	207	15	:	:	PUNCT
easat-10376	207	16	a	a	DET
easat-10376	207	17	moderated	moderated	ADJ
easat-10376	207	18	mediation	mediation	NOUN
easat-10376	207	19	approach	approach	NOUN
easat-10376	207	20	of	of	ADP
easat-10376	207	21	fintech	fintech	NOUN
easat-10376	207	22	adoption	adoption	NOUN
easat-10376	207	23	and	and	CCONJ
easat-10376	207	24	leisure	leisure	NOUN
easat-10376	207	25	,	,	PUNCT
easat-10376	207	26	"	"	PUNCT
easat-10376	207	27	international	international	ADJ
easat-10376	207	28	journal	journal	NOUN
easat-10376	207	29	of	of	ADP
easat-10376	207	30	social	social	ADJ
easat-10376	207	31	economics	economic	NOUN
easat-10376	207	32	,	,	PUNCT
easat-10376	207	33	vol	vol	NOUN
easat-10376	207	34	.	.	PROPN
easat-10376	207	35	49	49	NUM
easat-10376	207	36	,	,	PUNCT
easat-10376	207	37	no	no	INTJ
easat-10376	207	38	.	.	NOUN
easat-10376	207	39	12	12	NUM
easat-10376	207	40	,	,	PUNCT
easat-10376	207	41	pp	pp	ADJ
easat-10376	207	42	.	.	PUNCT
easat-10376	208	1	1713	1713	NUM
easat-10376	208	2	-	-	SYM
easat-10376	208	3	1726	1726	NUM
easat-10376	208	4	,	,	PUNCT
easat-10376	208	5	2022	2022	NUM
easat-10376	208	6	.	.	PUNCT
easat-10376	208	7	https://doi.org/10.1108/ijse-10-20210633	https://doi.org/10.1108/ijse-10-20210633	PUNCT
easat-10376	209	1	[	[	X
easat-10376	209	2	13	13	NUM
easat-10376	209	3	]	]	PUNCT
easat-10376	209	4	m.	m.	NOUN
easat-10376	209	5	alrawad	alrawad	NOUN
easat-10376	209	6	,	,	PUNCT
easat-10376	209	7	a.	a.	NOUN
easat-10376	209	8	lutfi	lutfi	PROPN
easat-10376	209	9	,	,	PUNCT
easat-10376	209	10	m.	m.	NOUN
easat-10376	209	11	a.	a.	PROPN
easat-10376	209	12	almaiah	almaiah	PROPN
easat-10376	209	13	,	,	PUNCT
easat-10376	209	14	and	and	CCONJ
easat-10376	209	15	i.	i.	PROPN
easat-10376	209	16	a.	a.	PROPN
easat-10376	209	17	elshaer	elshaer	PROPN
easat-10376	209	18	,	,	PUNCT
easat-10376	209	19	"	"	PUNCT
easat-10376	209	20	examining	examine	VERB
easat-10376	209	21	the	the	DET
easat-10376	209	22	influence	influence	NOUN
easat-10376	209	23	of	of	ADP
easat-10376	209	24	trust	trust	NOUN
easat-10376	209	25	and	and	CCONJ
easat-10376	209	26	perceived	perceive	VERB
easat-10376	209	27	risk	risk	NOUN
easat-10376	209	28	on	on	ADP
easat-10376	209	29	customers	customer	NOUN
easat-10376	209	30	intention	intention	NOUN
easat-10376	209	31	to	to	PART
easat-10376	209	32	use	use	VERB
easat-10376	209	33	nfc	nfc	NOUN
easat-10376	209	34	mobile	mobile	ADJ
easat-10376	209	35	payment	payment	NOUN
easat-10376	209	36	system	system	NOUN
easat-10376	209	37	,	,	PUNCT
easat-10376	209	38	"	"	PUNCT
easat-10376	209	39	journal	journal	NOUN
easat-10376	209	40	of	of	ADP
easat-10376	209	41	open	open	ADJ
easat-10376	209	42	innovation	innovation	NOUN
easat-10376	209	43	:	:	PUNCT
easat-10376	209	44	technology	technology	NOUN
easat-10376	209	45	,	,	PUNCT
easat-10376	209	46	market	market	NOUN
easat-10376	209	47	,	,	PUNCT
easat-10376	209	48	and	and	CCONJ
easat-10376	209	49	complexity	complexity	NOUN
easat-10376	209	50	,	,	PUNCT
easat-10376	209	51	vol	vol	NOUN
easat-10376	209	52	.	.	NOUN
easat-10376	209	53	9	9	NUM
easat-10376	209	54	,	,	PUNCT
easat-10376	209	55	no	no	INTJ
easat-10376	209	56	.	.	NOUN
easat-10376	209	57	2	2	NUM
easat-10376	209	58	,	,	PUNCT
easat-10376	209	59	p.	p.	NOUN
easat-10376	209	60	100070	100070	NUM
easat-10376	209	61	,	,	PUNCT
easat-10376	209	62	2023	2023	NUM
easat-10376	209	63	.	.	PUNCT
easat-10376	210	1	https://doi.org/10.1016/j.joitmc.2023.100070	https://doi.org/10.1016/j.joitmc.2023.100070	PROPN
easat-10376	210	2	https://creativecommons.org/licenses/by/4.0/	https://creativecommons.org/licenses/by/4.0/	PROPN
easat-10376	210	3	https://doi.org/10.1016/j.heliyon.2023.e22551	https://doi.org/10.1016/j.heliyon.2023.e22551	X
easat-10376	210	4	https://doi.org/10.1016/j.technovation.2020.102155	https://doi.org/10.1016/j.technovation.2020.102155	PROPN
easat-10376	210	5	https://doi.org/10.3390/jrfm16020122	https://doi.org/10.3390/jrfm16020122	PROPN
easat-10376	210	6	https://doi.org/10.1016/j.joitmc.2024.100343	https://doi.org/10.1016/j.joitmc.2024.100343	PROPN
easat-10376	210	7	https://doi.org/10.3390/jrfm16010021	https://doi.org/10.3390/jrfm16010021	PROPN
easat-10376	211	1	https://doi.org/10.1080/23322039.2022.2132631	https://doi.org/10.1080/23322039.2022.2132631	PROPN
easat-10376	212	1	https://doi.org/10.1016/j.econlet.2022.110378	https://doi.org/10.1016/j.econlet.2022.110378	PROPN
easat-10376	212	2	https://doi.org/10.1088/1748-9326/abc586	https://doi.org/10.1088/1748-9326/abc586	PROPN
easat-10376	212	3	https://doi.org/10.1108/ijse-10-2021-0633	https://doi.org/10.1108/ijse-10-2021-0633	ADV
easat-10376	212	4	https://doi.org/10.1108/ijse-10-2021-0633	https://doi.org/10.1108/ijse-10-2021-0633	PRON
easat-10376	212	5	https://doi.org/10.1016/j.joitmc.2023.100070	https://doi.org/10.1016/j.joitmc.2023.100070	PROPN
easat-10376	212	6	168	168	NUM
easat-10376	212	7	edelweiss	edelweiss	PROPN
easat-10376	212	8	applied	apply	VERB
easat-10376	212	9	science	science	NOUN
easat-10376	212	10	and	and	CCONJ
easat-10376	212	11	technology	technology	NOUN
easat-10376	212	12	issn	issn	PROPN
easat-10376	212	13	:	:	PUNCT
easat-10376	212	14	2576	2576	NUM
easat-10376	212	15	-	-	SYM
easat-10376	212	16	8484	8484	NUM
easat-10376	212	17	vol	vol	NOUN
easat-10376	212	18	.	.	PROPN
easat-10376	213	1	9	9	NUM
easat-10376	213	2	,	,	PUNCT
easat-10376	213	3	no	no	INTJ
easat-10376	213	4	.	.	NOUN
easat-10376	213	5	10	10	NUM
easat-10376	213	6	:	:	PUNCT
easat-10376	213	7	160	160	NUM
easat-10376	213	8	-	-	SYM
easat-10376	213	9	169	169	NUM
easat-10376	213	10	,	,	PUNCT
easat-10376	213	11	2025	2025	NUM
easat-10376	213	12	doi	doi	NOUN
easat-10376	213	13	:	:	PUNCT
easat-10376	213	14	10.55214/2576	10.55214/2576	NUM
easat-10376	213	15	-	-	PUNCT
easat-10376	213	16	8484.v9i10.10376	8484.v9i10.10376	NUM
easat-10376	213	17	©	©	PROPN
easat-10376	213	18	2025	2025	NUM
easat-10376	213	19	by	by	ADP
easat-10376	213	20	the	the	DET
easat-10376	213	21	authors	author	NOUN
easat-10376	213	22	;	;	PUNCT
easat-10376	213	23	licensee	licensee	PROPN
easat-10376	213	24	learning	learning	NOUN
easat-10376	213	25	gate	gate	NOUN
easat-10376	214	1	[	[	X
easat-10376	214	2	14	14	NUM
easat-10376	214	3	]	]	PUNCT
easat-10376	214	4	a.	a.	NOUN
easat-10376	214	5	a.	a.	NOUN
easat-10376	214	6	shaikh	shaikh	PROPN
easat-10376	214	7	,	,	PUNCT
easat-10376	214	8	r.	r.	PROPN
easat-10376	214	9	glavee	glavee	PROPN
easat-10376	214	10	-	-	PUNCT
easat-10376	214	11	geo	geo	PROPN
easat-10376	214	12	,	,	PUNCT
easat-10376	214	13	h.	h.	PROPN
easat-10376	214	14	karjaluoto	karjaluoto	PROPN
easat-10376	214	15	,	,	PUNCT
easat-10376	214	16	and	and	CCONJ
easat-10376	214	17	r.	r.	PROPN
easat-10376	214	18	e.	e.	PROPN
easat-10376	214	19	hinson	hinson	PROPN
easat-10376	214	20	,	,	PUNCT
easat-10376	214	21	"	"	PUNCT
easat-10376	214	22	mobile	mobile	ADJ
easat-10376	214	23	money	money	NOUN
easat-10376	214	24	as	as	ADP
easat-10376	214	25	a	a	DET
easat-10376	214	26	driver	driver	NOUN
easat-10376	214	27	of	of	ADP
easat-10376	214	28	digital	digital	ADJ
easat-10376	214	29	financial	financial	ADJ
easat-10376	214	30	inclusion	inclusion	NOUN
easat-10376	214	31	,	,	PUNCT
easat-10376	214	32	"	"	PUNCT
easat-10376	214	33	technological	technological	ADJ
easat-10376	214	34	forecasting	forecasting	NOUN
easat-10376	214	35	and	and	CCONJ
easat-10376	214	36	social	social	ADJ
easat-10376	214	37	change	change	NOUN
easat-10376	214	38	,	,	PUNCT
easat-10376	214	39	vol	vol	NOUN
easat-10376	214	40	.	.	PROPN
easat-10376	214	41	186	186	NUM
easat-10376	214	42	,	,	PUNCT
easat-10376	214	43	p.	p.	NOUN
easat-10376	214	44	122158	122158	NUM
easat-10376	214	45	,	,	PUNCT
easat-10376	214	46	2023	2023	NUM
easat-10376	214	47	.	.	PUNCT
easat-10376	215	1	https://doi.org/10.1016/j.techfore.2022.122158	https://doi.org/10.1016/j.techfore.2022.122158	PROPN
easat-10376	215	2	[	[	X
easat-10376	215	3	15	15	NUM
easat-10376	215	4	]	]	X
easat-10376	215	5	a.	a.	PROPN
easat-10376	215	6	w.	w.	PROPN
easat-10376	215	7	ng	ng	PROPN
easat-10376	215	8	and	and	CCONJ
easat-10376	215	9	b.	b.	PROPN
easat-10376	215	10	k.	k.	PROPN
easat-10376	215	11	b.	b.	PROPN
easat-10376	215	12	kwok	kwok	PROPN
easat-10376	215	13	,	,	PUNCT
easat-10376	215	14	"	"	PUNCT
easat-10376	215	15	emergence	emergence	NOUN
easat-10376	215	16	of	of	ADP
easat-10376	215	17	fintech	fintech	NOUN
easat-10376	215	18	and	and	CCONJ
easat-10376	215	19	cybersecurity	cybersecurity	NOUN
easat-10376	215	20	in	in	ADP
easat-10376	215	21	a	a	DET
easat-10376	215	22	global	global	ADJ
easat-10376	215	23	financial	financial	ADJ
easat-10376	215	24	centre	centre	NOUN
easat-10376	215	25	:	:	PUNCT
easat-10376	215	26	strategic	strategic	ADJ
easat-10376	215	27	approach	approach	NOUN
easat-10376	215	28	by	by	ADP
easat-10376	215	29	a	a	DET
easat-10376	215	30	regulator	regulator	NOUN
easat-10376	215	31	,	,	PUNCT
easat-10376	215	32	"	"	PUNCT
easat-10376	215	33	journal	journal	NOUN
easat-10376	215	34	of	of	ADP
easat-10376	215	35	financial	financial	ADJ
easat-10376	215	36	regulation	regulation	NOUN
easat-10376	215	37	and	and	CCONJ
easat-10376	215	38	compliance	compliance	NOUN
easat-10376	215	39	,	,	PUNCT
easat-10376	215	40	vol	vol	NOUN
easat-10376	215	41	.	.	PROPN
easat-10376	215	42	25	25	NUM
easat-10376	215	43	,	,	PUNCT
easat-10376	215	44	no	no	INTJ
easat-10376	215	45	.	.	NOUN
easat-10376	215	46	4	4	NUM
easat-10376	215	47	,	,	PUNCT
easat-10376	215	48	pp	pp	ADJ
easat-10376	215	49	.	.	PUNCT
easat-10376	216	1	422	422	NUM
easat-10376	216	2	-	-	NUM
easat-10376	216	3	434	434	NUM
easat-10376	216	4	,	,	PUNCT
easat-10376	216	5	2017	2017	NUM
easat-10376	216	6	.	.	PUNCT
easat-10376	217	1	https://doi.org/10.1108/jfrc-01-2017-0013	https://doi.org/10.1108/jfrc-01-2017-0013	PROPN
easat-10376	218	1	[	[	X
easat-10376	218	2	16	16	NUM
easat-10376	218	3	]	]	X
easat-10376	218	4	d.	d.	PROPN
easat-10376	218	5	p.	p.	PROPN
easat-10376	218	6	nugraha	nugraha	PROPN
easat-10376	218	7	,	,	PUNCT
easat-10376	218	8	b.	b.	PROPN
easat-10376	218	9	setiawan	setiawan	PROPN
easat-10376	218	10	,	,	PUNCT
easat-10376	218	11	r.	r.	PROPN
easat-10376	218	12	j.	j.	PROPN
easat-10376	218	13	nathan	nathan	PROPN
easat-10376	218	14	,	,	PUNCT
easat-10376	218	15	and	and	CCONJ
easat-10376	218	16	m.	m.	PROPN
easat-10376	218	17	fekete	fekete	PROPN
easat-10376	218	18	-	-	PUNCT
easat-10376	218	19	farkas	farkas	PROPN
easat-10376	218	20	,	,	PUNCT
easat-10376	218	21	"	"	PUNCT
easat-10376	218	22	fintech	fintech	NOUN
easat-10376	218	23	adoption	adoption	NOUN
easat-10376	218	24	drivers	driver	NOUN
easat-10376	218	25	for	for	ADP
easat-10376	218	26	innovation	innovation	NOUN
easat-10376	218	27	for	for	ADP
easat-10376	218	28	smes	sme	NOUN
easat-10376	218	29	in	in	ADP
easat-10376	218	30	indonesia	indonesia	PROPN
easat-10376	218	31	,	,	PUNCT
easat-10376	218	32	"	"	PUNCT
easat-10376	218	33	journal	journal	NOUN
easat-10376	218	34	of	of	ADP
easat-10376	218	35	open	open	ADJ
easat-10376	218	36	innovation	innovation	NOUN
easat-10376	218	37	:	:	PUNCT
easat-10376	218	38	technology	technology	NOUN
easat-10376	218	39	,	,	PUNCT
easat-10376	218	40	market	market	NOUN
easat-10376	218	41	,	,	PUNCT
easat-10376	218	42	and	and	CCONJ
easat-10376	218	43	complexity	complexity	NOUN
easat-10376	218	44	,	,	PUNCT
easat-10376	218	45	vol	vol	NOUN
easat-10376	218	46	.	.	PROPN
easat-10376	218	47	8	8	NUM
easat-10376	218	48	,	,	PUNCT
easat-10376	218	49	no	no	INTJ
easat-10376	218	50	.	.	NOUN
easat-10376	218	51	4	4	NUM
easat-10376	218	52	,	,	PUNCT
easat-10376	218	53	p.	p.	NOUN
easat-10376	218	54	208	208	NUM
easat-10376	218	55	,	,	PUNCT
easat-10376	218	56	2022	2022	NUM
easat-10376	218	57	.	.	PUNCT
easat-10376	219	1	https://doi.org/10.3390/joitmc8040208	https://doi.org/10.3390/joitmc8040208	PROPN
easat-10376	220	1	[	[	X
easat-10376	220	2	17	17	NUM
easat-10376	220	3	]	]	X
easat-10376	220	4	o.	o.	NOUN
easat-10376	220	5	a.	a.	NOUN
easat-10376	220	6	gansser	gansser	PROPN
easat-10376	220	7	and	and	CCONJ
easat-10376	220	8	c.	c.	PROPN
easat-10376	220	9	s.	s.	PROPN
easat-10376	220	10	reich	reich	PROPN
easat-10376	220	11	,	,	PUNCT
easat-10376	220	12	"	"	PUNCT
easat-10376	220	13	a	a	DET
easat-10376	220	14	new	new	ADJ
easat-10376	220	15	acceptance	acceptance	NOUN
easat-10376	220	16	model	model	NOUN
easat-10376	220	17	for	for	ADP
easat-10376	220	18	artificial	artificial	ADJ
easat-10376	220	19	intelligence	intelligence	NOUN
easat-10376	220	20	with	with	ADP
easat-10376	220	21	extensions	extension	NOUN
easat-10376	220	22	to	to	ADP
easat-10376	220	23	utaut2	utaut2	NOUN
easat-10376	220	24	:	:	PUNCT
easat-10376	220	25	an	an	DET
easat-10376	220	26	empirical	empirical	ADJ
easat-10376	220	27	study	study	NOUN
easat-10376	220	28	in	in	ADP
easat-10376	220	29	three	three	NUM
easat-10376	220	30	segments	segment	NOUN
easat-10376	220	31	of	of	ADP
easat-10376	220	32	application	application	NOUN
easat-10376	220	33	,	,	PUNCT
easat-10376	220	34	"	"	PUNCT
easat-10376	220	35	technology	technology	NOUN
easat-10376	220	36	in	in	ADP
easat-10376	220	37	society	society	NOUN
easat-10376	220	38	,	,	PUNCT
easat-10376	220	39	vol	vol	NOUN
easat-10376	220	40	.	.	PROPN
easat-10376	220	41	65	65	NUM
easat-10376	220	42	,	,	PUNCT
easat-10376	220	43	p.	p.	NOUN
easat-10376	220	44	101535	101535	NUM
easat-10376	220	45	,	,	PUNCT
easat-10376	220	46	2021	2021	NUM
easat-10376	220	47	.	.	PUNCT
easat-10376	221	1	https://doi.org/10.1016/j.techsoc.2021.101535	https://doi.org/10.1016/j.techsoc.2021.101535	PROPN
easat-10376	221	2	[	[	X
easat-10376	221	3	18	18	NUM
easat-10376	221	4	]	]	PUNCT
easat-10376	221	5	a.	a.	NOUN
easat-10376	221	6	a.-h	a.-h	PROPN
easat-10376	221	7	.	.	PUNCT
easat-10376	222	1	zaid	zaid	PROPN
easat-10376	222	2	kilani	kilani	PROPN
easat-10376	222	3	,	,	PUNCT
easat-10376	222	4	d.	d.	PROPN
easat-10376	222	5	f.	f.	PROPN
easat-10376	222	6	kakeesh	kakeesh	PROPN
easat-10376	222	7	,	,	PUNCT
easat-10376	222	8	g.	g.	PROPN
easat-10376	222	9	a.	a.	PROPN
easat-10376	222	10	al	al	PROPN
easat-10376	222	11	-	-	PUNCT
easat-10376	222	12	weshah	weshah	PROPN
easat-10376	222	13	,	,	PUNCT
easat-10376	222	14	and	and	CCONJ
easat-10376	222	15	m.	m.	NOUN
easat-10376	222	16	m.	m.	PROPN
easat-10376	222	17	al	al	PROPN
easat-10376	222	18	-	-	PUNCT
easat-10376	222	19	debei	debei	PROPN
easat-10376	222	20	,	,	PUNCT
easat-10376	222	21	"	"	PUNCT
easat-10376	222	22	consumer	consumer	NOUN
easat-10376	222	23	post	post	NOUN
easat-10376	222	24	-	-	NOUN
easat-10376	222	25	adoption	adoption	NOUN
easat-10376	222	26	of	of	ADP
easat-10376	222	27	e	e	NOUN
easat-10376	222	28	-	-	NOUN
easat-10376	222	29	wallet	wallet	NOUN
easat-10376	222	30	:	:	PUNCT
easat-10376	222	31	an	an	DET
easat-10376	222	32	extended	extended	ADJ
easat-10376	222	33	utaut2	utaut2	NOUN
easat-10376	222	34	perspective	perspective	NOUN
easat-10376	222	35	with	with	ADP
easat-10376	222	36	trust	trust	NOUN
easat-10376	222	37	,	,	PUNCT
easat-10376	222	38	"	"	PUNCT
easat-10376	222	39	journal	journal	NOUN
easat-10376	222	40	of	of	ADP
easat-10376	222	41	open	open	ADJ
easat-10376	222	42	innovation	innovation	NOUN
easat-10376	222	43	:	:	PUNCT
easat-10376	222	44	technology	technology	NOUN
easat-10376	222	45	,	,	PUNCT
easat-10376	222	46	market	market	NOUN
easat-10376	222	47	,	,	PUNCT
easat-10376	222	48	and	and	CCONJ
easat-10376	222	49	complexity	complexity	NOUN
easat-10376	222	50	,	,	PUNCT
easat-10376	222	51	vol	vol	NOUN
easat-10376	222	52	.	.	NOUN
easat-10376	222	53	9	9	NUM
easat-10376	222	54	,	,	PUNCT
easat-10376	222	55	no	no	INTJ
easat-10376	222	56	.	.	NOUN
easat-10376	222	57	3	3	NUM
easat-10376	222	58	,	,	PUNCT
easat-10376	222	59	p.	p.	NOUN
easat-10376	222	60	100113	100113	NUM
easat-10376	222	61	,	,	PUNCT
easat-10376	222	62	2023	2023	NUM
easat-10376	222	63	.	.	PUNCT
easat-10376	223	1	https://doi.org/10.1016/j.joitmc.2023.100113	https://doi.org/10.1016/j.joitmc.2023.100113	ADJ
easat-10376	223	2	[	[	X
easat-10376	223	3	19	19	NUM
easat-10376	223	4	]	]	PUNCT
easat-10376	223	5	h.-w	h.-w	NOUN
easat-10376	223	6	.	.	PUNCT
easat-10376	224	1	kim	kim	PROPN
easat-10376	224	2	,	,	PUNCT
easat-10376	224	3	h.	h.	PROPN
easat-10376	224	4	c.	c.	PROPN
easat-10376	224	5	chan	chan	PROPN
easat-10376	224	6	,	,	PUNCT
easat-10376	224	7	and	and	CCONJ
easat-10376	224	8	s.	s.	PROPN
easat-10376	224	9	gupta	gupta	PROPN
easat-10376	224	10	,	,	PUNCT
easat-10376	224	11	"	"	PUNCT
easat-10376	224	12	value	value	NOUN
easat-10376	224	13	-	-	PUNCT
easat-10376	224	14	based	base	VERB
easat-10376	224	15	adoption	adoption	NOUN
easat-10376	224	16	of	of	ADP
easat-10376	224	17	mobile	mobile	ADJ
easat-10376	224	18	internet	internet	NOUN
easat-10376	224	19	:	:	PUNCT
easat-10376	224	20	an	an	DET
easat-10376	224	21	empirical	empirical	ADJ
easat-10376	224	22	investigation	investigation	NOUN
easat-10376	224	23	,	,	PUNCT
easat-10376	224	24	"	"	PUNCT
easat-10376	224	25	decision	decision	NOUN
easat-10376	224	26	support	support	NOUN
easat-10376	224	27	systems	system	NOUN
easat-10376	224	28	,	,	PUNCT
easat-10376	224	29	vol	vol	NOUN
easat-10376	224	30	.	.	PROPN
easat-10376	224	31	43	43	NUM
easat-10376	224	32	,	,	PUNCT
easat-10376	224	33	no	no	INTJ
easat-10376	224	34	.	.	NOUN
easat-10376	224	35	1	1	NUM
easat-10376	224	36	,	,	PUNCT
easat-10376	224	37	pp	pp	ADJ
easat-10376	224	38	.	.	PUNCT
easat-10376	225	1	111	111	NUM
easat-10376	225	2	-	-	SYM
easat-10376	225	3	126	126	NUM
easat-10376	225	4	,	,	PUNCT
easat-10376	225	5	2007	2007	NUM
easat-10376	225	6	.	.	PUNCT
easat-10376	226	1	https://doi.org/10.1016/j.dss.2005.05.009	https://doi.org/10.1016/j.dss.2005.05.009	NOUN
easat-10376	227	1	[	[	X
easat-10376	227	2	20	20	NUM
easat-10376	227	3	]	]	PUNCT
easat-10376	227	4	j.	j.	PROPN
easat-10376	227	5	jun	jun	PROPN
easat-10376	227	6	,	,	PUNCT
easat-10376	227	7	i.	i.	PROPN
easat-10376	227	8	cho	cho	PROPN
easat-10376	227	9	,	,	PUNCT
easat-10376	227	10	and	and	CCONJ
easat-10376	227	11	h.	h.	PROPN
easat-10376	227	12	park	park	PROPN
easat-10376	227	13	,	,	PUNCT
easat-10376	227	14	"	"	PUNCT
easat-10376	227	15	factors	factor	NOUN
easat-10376	227	16	influencing	influence	VERB
easat-10376	227	17	continued	continue	VERB
easat-10376	227	18	use	use	NOUN
easat-10376	227	19	of	of	ADP
easat-10376	227	20	mobile	mobile	ADJ
easat-10376	227	21	easy	easy	ADJ
easat-10376	227	22	payment	payment	NOUN
easat-10376	227	23	service	service	NOUN
easat-10376	227	24	:	:	PUNCT
easat-10376	227	25	an	an	DET
easat-10376	227	26	empirical	empirical	ADJ
easat-10376	227	27	investigation	investigation	NOUN
easat-10376	227	28	,	,	PUNCT
easat-10376	227	29	"	"	PUNCT
easat-10376	227	30	total	total	ADJ
easat-10376	227	31	quality	quality	NOUN
easat-10376	227	32	management	management	NOUN
easat-10376	227	33	&	&	CCONJ
easat-10376	227	34	business	business	PROPN
easat-10376	227	35	excellence	excellence	PROPN
easat-10376	227	36	,	,	PUNCT
easat-10376	227	37	vol	vol	NOUN
easat-10376	227	38	.	.	PROPN
easat-10376	227	39	29	29	NUM
easat-10376	227	40	,	,	PUNCT
easat-10376	227	41	no	no	INTJ
easat-10376	227	42	.	.	NOUN
easat-10376	227	43	9	9	NUM
easat-10376	227	44	-	-	SYM
easat-10376	227	45	10	10	NUM
easat-10376	227	46	,	,	PUNCT
easat-10376	227	47	pp	pp	ADJ
easat-10376	227	48	.	.	PUNCT
easat-10376	227	49	1043	1043	NUM
easat-10376	227	50	-	-	SYM
easat-10376	227	51	1057	1057	NUM
easat-10376	227	52	,	,	PUNCT
easat-10376	227	53	2018	2018	NUM
easat-10376	227	54	.	.	PUNCT
easat-10376	227	55	https://doi.org/10.1080/14783363.2018.1486550	https://doi.org/10.1080/14783363.2018.1486550	X
easat-10376	228	1	[	[	X
easat-10376	228	2	21	21	NUM
easat-10376	228	3	]	]	X
easat-10376	228	4	r.	r.	PROPN
easat-10376	228	5	hasan	hasan	PROPN
easat-10376	228	6	,	,	PUNCT
easat-10376	228	7	m.	m.	NOUN
easat-10376	228	8	ashfaq	ashfaq	NOUN
easat-10376	228	9	,	,	PUNCT
easat-10376	228	10	and	and	CCONJ
easat-10376	228	11	l.	l.	PROPN
easat-10376	228	12	shao	shao	PROPN
easat-10376	228	13	,	,	PUNCT
easat-10376	228	14	"	"	PUNCT
easat-10376	228	15	evaluating	evaluate	VERB
easat-10376	228	16	drivers	driver	NOUN
easat-10376	228	17	of	of	ADP
easat-10376	228	18	fintech	fintech	NOUN
easat-10376	228	19	adoption	adoption	NOUN
easat-10376	228	20	in	in	ADP
easat-10376	228	21	the	the	DET
easat-10376	228	22	netherlands	netherlands	PROPN
easat-10376	228	23	,	,	PUNCT
easat-10376	228	24	"	"	PUNCT
easat-10376	228	25	global	global	ADJ
easat-10376	228	26	business	business	NOUN
easat-10376	228	27	review	review	PROPN
easat-10376	228	28	,	,	PUNCT
easat-10376	228	29	vol	vol	NOUN
easat-10376	228	30	.	.	PROPN
easat-10376	229	1	25	25	NUM
easat-10376	229	2	,	,	PUNCT
easat-10376	229	3	no	no	INTJ
easat-10376	229	4	.	.	NOUN
easat-10376	229	5	6	6	NUM
easat-10376	229	6	,	,	PUNCT
easat-10376	229	7	pp	pp	ADJ
easat-10376	229	8	.	.	PUNCT
easat-10376	230	1	1576	1576	NUM
easat-10376	230	2	-	-	SYM
easat-10376	230	3	1589	1589	NUM
easat-10376	230	4	,	,	PUNCT
easat-10376	230	5	2024b	2024b	NUM
easat-10376	230	6	.	.	PUNCT
easat-10376	231	1	https://doi.org/10.1177/09721509211027402	https://doi.org/10.1177/09721509211027402	X
easat-10376	232	1	[	[	X
easat-10376	232	2	22	22	NUM
easat-10376	232	3	]	]	PUNCT
easat-10376	232	4	k.	k.	PROPN
easat-10376	233	1	bajunaied	bajunaie	VERB
easat-10376	233	2	,	,	PUNCT
easat-10376	233	3	n.	n.	PROPN
easat-10376	233	4	hussin	hussin	PROPN
easat-10376	233	5	,	,	PUNCT
easat-10376	233	6	and	and	CCONJ
easat-10376	233	7	s.	s.	PROPN
easat-10376	233	8	kamarudin	kamarudin	PROPN
easat-10376	233	9	,	,	PUNCT
easat-10376	233	10	"	"	PUNCT
easat-10376	233	11	behavioral	behavioral	ADJ
easat-10376	233	12	intention	intention	NOUN
easat-10376	233	13	to	to	PART
easat-10376	233	14	adopt	adopt	VERB
easat-10376	233	15	fintech	fintech	NOUN
easat-10376	233	16	services	service	NOUN
easat-10376	233	17	:	:	PUNCT
easat-10376	233	18	an	an	DET
easat-10376	233	19	extension	extension	NOUN
easat-10376	233	20	of	of	ADP
easat-10376	233	21	unified	unified	ADJ
easat-10376	233	22	theory	theory	NOUN
easat-10376	233	23	of	of	ADP
easat-10376	233	24	acceptance	acceptance	NOUN
easat-10376	233	25	and	and	CCONJ
easat-10376	233	26	use	use	NOUN
easat-10376	233	27	of	of	ADP
easat-10376	233	28	technology	technology	NOUN
easat-10376	233	29	,	,	PUNCT
easat-10376	233	30	"	"	PUNCT
easat-10376	233	31	journal	journal	NOUN
easat-10376	233	32	of	of	ADP
easat-10376	233	33	open	open	ADJ
easat-10376	233	34	innovation	innovation	NOUN
easat-10376	233	35	:	:	PUNCT
easat-10376	233	36	technology	technology	NOUN
easat-10376	233	37	,	,	PUNCT
easat-10376	233	38	market	market	NOUN
easat-10376	233	39	,	,	PUNCT
easat-10376	233	40	and	and	CCONJ
easat-10376	233	41	complexity	complexity	NOUN
easat-10376	233	42	,	,	PUNCT
easat-10376	233	43	vol	vol	NOUN
easat-10376	233	44	.	.	NOUN
easat-10376	234	1	9	9	NUM
easat-10376	234	2	,	,	PUNCT
easat-10376	234	3	no	no	INTJ
easat-10376	234	4	.	.	NOUN
easat-10376	234	5	1	1	NUM
easat-10376	234	6	,	,	PUNCT
easat-10376	234	7	p.	p.	NOUN
easat-10376	234	8	100010	100010	NUM
easat-10376	234	9	,	,	PUNCT
easat-10376	234	10	2023	2023	NUM
easat-10376	234	11	.	.	PUNCT
easat-10376	235	1	https://doi.org/10.1016/j.joitmc.2023.100010	https://doi.org/10.1016/j.joitmc.2023.100010	PROPN
easat-10376	235	2	[	[	X
easat-10376	235	3	23	23	NUM
easat-10376	235	4	]	]	X
easat-10376	235	5	b.	b.	PROPN
easat-10376	235	6	savitha	savitha	PROPN
easat-10376	235	7	,	,	PUNCT
easat-10376	235	8	i.	i.	PROPN
easat-10376	235	9	t.	t.	PROPN
easat-10376	235	10	hawaldar	hawaldar	PROPN
easat-10376	235	11	,	,	PUNCT
easat-10376	235	12	and	and	CCONJ
easat-10376	235	13	n.	n.	PROPN
easat-10376	235	14	kumar	kumar	PROPN
easat-10376	235	15	k	k	PROPN
easat-10376	235	16	,	,	PUNCT
easat-10376	235	17	"	"	PUNCT
easat-10376	235	18	continuance	continuance	NOUN
easat-10376	235	19	intentions	intention	NOUN
easat-10376	235	20	to	to	PART
easat-10376	235	21	use	use	VERB
easat-10376	235	22	fintech	fintech	NOUN
easat-10376	235	23	peer	peer	NOUN
easat-10376	235	24	-	-	PUNCT
easat-10376	235	25	to	to	ADP
easat-10376	235	26	-	-	PUNCT
easat-10376	235	27	peer	peer	NOUN
easat-10376	235	28	payments	payment	NOUN
easat-10376	235	29	apps	app	NOUN
easat-10376	235	30	in	in	ADP
easat-10376	235	31	india	india	PROPN
easat-10376	235	32	,	,	PUNCT
easat-10376	235	33	"	"	PUNCT
easat-10376	235	34	heliyon	heliyon	NOUN
easat-10376	235	35	,	,	PUNCT
easat-10376	235	36	vol	vol	NOUN
easat-10376	235	37	.	.	PROPN
easat-10376	235	38	8	8	NUM
easat-10376	235	39	,	,	PUNCT
easat-10376	235	40	no	no	INTJ
easat-10376	235	41	.	.	NOUN
easat-10376	235	42	11	11	NUM
easat-10376	235	43	,	,	PUNCT
easat-10376	235	44	p.	p.	NOUN
easat-10376	235	45	e11654	e11654	NOUN
easat-10376	235	46	,	,	PUNCT
easat-10376	235	47	2022	2022	NUM
easat-10376	235	48	.	.	PUNCT
easat-10376	236	1	[	[	X
easat-10376	236	2	24	24	NUM
easat-10376	236	3	]	]	PUNCT
easat-10376	236	4	a.	a.	NOUN
easat-10376	236	5	george	george	PROPN
easat-10376	236	6	and	and	CCONJ
easat-10376	236	7	p.	p.	PROPN
easat-10376	236	8	sunny	sunny	NOUN
easat-10376	236	9	,	,	PUNCT
easat-10376	236	10	"	"	PUNCT
easat-10376	236	11	developing	develop	VERB
easat-10376	236	12	a	a	DET
easat-10376	236	13	research	research	NOUN
easat-10376	236	14	model	model	NOUN
easat-10376	236	15	for	for	ADP
easat-10376	236	16	mobile	mobile	ADJ
easat-10376	236	17	wallet	wallet	NOUN
easat-10376	236	18	adoption	adoption	NOUN
easat-10376	236	19	and	and	CCONJ
easat-10376	236	20	usage	usage	NOUN
easat-10376	236	21	,	,	PUNCT
easat-10376	236	22	"	"	PUNCT
easat-10376	236	23	iim	iim	PROPN
easat-10376	236	24	kozhikode	kozhikode	PROPN
easat-10376	236	25	society	society	PROPN
easat-10376	236	26	&	&	CCONJ
easat-10376	236	27	management	management	PROPN
easat-10376	236	28	review	review	PROPN
easat-10376	236	29	,	,	PUNCT
easat-10376	236	30	vol	vol	NOUN
easat-10376	236	31	.	.	PROPN
easat-10376	236	32	10	10	NUM
easat-10376	236	33	,	,	PUNCT
easat-10376	236	34	no	no	INTJ
easat-10376	236	35	.	.	NOUN
easat-10376	236	36	1	1	NUM
easat-10376	236	37	,	,	PUNCT
easat-10376	236	38	pp	pp	ADJ
easat-10376	236	39	.	.	PUNCT
easat-10376	237	1	82	82	NUM
easat-10376	237	2	-	-	SYM
easat-10376	237	3	98	98	NUM
easat-10376	237	4	,	,	PUNCT
easat-10376	237	5	2021	2021	NUM
easat-10376	237	6	.	.	PUNCT
easat-10376	238	1	[	[	X
easat-10376	238	2	25	25	NUM
easat-10376	238	3	]	]	PUNCT
easat-10376	238	4	t.	t.	PROPN
easat-10376	238	5	roh	roh	PROPN
easat-10376	238	6	,	,	PUNCT
easat-10376	238	7	y.	y.	PROPN
easat-10376	238	8	s.	s.	PROPN
easat-10376	238	9	yang	yang	PROPN
easat-10376	238	10	,	,	PUNCT
easat-10376	238	11	s.	s.	PROPN
easat-10376	238	12	xiao	xiao	PROPN
easat-10376	238	13	,	,	PUNCT
easat-10376	238	14	and	and	CCONJ
easat-10376	238	15	b.	b.	PROPN
easat-10376	238	16	i.	i.	PROPN
easat-10376	238	17	park	park	PROPN
easat-10376	238	18	,	,	PUNCT
easat-10376	238	19	"	"	PUNCT
easat-10376	238	20	what	what	PRON
easat-10376	238	21	makes	make	VERB
easat-10376	238	22	consumers	consumer	NOUN
easat-10376	238	23	trust	trust	VERB
easat-10376	238	24	and	and	CCONJ
easat-10376	238	25	adopt	adopt	VERB
easat-10376	238	26	fintech	fintech	NOUN
easat-10376	238	27	?	?	PUNCT
easat-10376	239	1	an	an	DET
easat-10376	239	2	empirical	empirical	ADJ
easat-10376	239	3	investigation	investigation	NOUN
easat-10376	239	4	in	in	ADP
easat-10376	239	5	china	china	PROPN
easat-10376	239	6	,	,	PUNCT
easat-10376	239	7	"	"	PUNCT
easat-10376	239	8	electronic	electronic	ADJ
easat-10376	239	9	commerce	commerce	NOUN
easat-10376	239	10	research	research	NOUN
easat-10376	239	11	,	,	PUNCT
easat-10376	239	12	vol	vol	NOUN
easat-10376	239	13	.	.	PROPN
easat-10376	239	14	24	24	NUM
easat-10376	239	15	,	,	PUNCT
easat-10376	239	16	no	no	INTJ
easat-10376	239	17	.	.	NOUN
easat-10376	239	18	1	1	NUM
easat-10376	239	19	,	,	PUNCT
easat-10376	239	20	pp	pp	ADJ
easat-10376	239	21	.	.	PUNCT
easat-10376	240	1	3	3	NUM
easat-10376	240	2	-	-	SYM
easat-10376	240	3	35	35	NUM
easat-10376	240	4	,	,	PUNCT
easat-10376	240	5	2024	2024	NUM
easat-10376	240	6	.	.	PUNCT
easat-10376	241	1	[	[	X
easat-10376	241	2	26	26	NUM
easat-10376	241	3	]	]	X
easat-10376	241	4	r.	r.	PROPN
easat-10376	241	5	r.	r.	PROPN
easat-10376	241	6	ahmed	ahmed	PROPN
easat-10376	241	7	,	,	PUNCT
easat-10376	241	8	d.	d.	PROPN
easat-10376	241	9	streimikiene	streimikiene	PROPN
easat-10376	241	10	,	,	PUNCT
easat-10376	241	11	z.	z.	PROPN
easat-10376	241	12	a.	a.	PROPN
easat-10376	241	13	channar	channar	PROPN
easat-10376	241	14	,	,	PUNCT
easat-10376	241	15	r.	r.	PROPN
easat-10376	241	16	h.	h.	PROPN
easat-10376	241	17	soomro	soomro	PROPN
easat-10376	241	18	,	,	PUNCT
easat-10376	241	19	and	and	CCONJ
easat-10376	241	20	j.	j.	PROPN
easat-10376	241	21	streimikis	streimikis	PROPN
easat-10376	241	22	,	,	PUNCT
easat-10376	241	23	"	"	PUNCT
easat-10376	241	24	e	e	NOUN
easat-10376	241	25	-	-	ADJ
easat-10376	241	26	banking	banking	ADJ
easat-10376	241	27	customer	customer	NOUN
easat-10376	241	28	satisfaction	satisfaction	NOUN
easat-10376	241	29	and	and	CCONJ
easat-10376	241	30	loyalty	loyalty	NOUN
easat-10376	241	31	:	:	PUNCT
easat-10376	241	32	evidence	evidence	NOUN
easat-10376	241	33	from	from	ADP
easat-10376	241	34	serial	serial	ADJ
easat-10376	241	35	mediation	mediation	NOUN
easat-10376	241	36	through	through	ADP
easat-10376	241	37	modified	modify	VERB
easat-10376	241	38	es	es	VERB
easat-10376	241	39	-	-	PUNCT
easat-10376	241	40	qual	qual	ADJ
easat-10376	241	41	model	model	NOUN
easat-10376	241	42	and	and	CCONJ
easat-10376	241	43	second	second	ADJ
easat-10376	241	44	-	-	PUNCT
easat-10376	241	45	order	order	NOUN
easat-10376	241	46	pls	pls	NOUN
easat-10376	241	47	-	-	PUNCT
easat-10376	241	48	sem	sem	NOUN
easat-10376	241	49	,	,	PUNCT
easat-10376	241	50	"	"	PUNCT
easat-10376	241	51	engineering	engineering	NOUN
easat-10376	241	52	economics	economic	NOUN
easat-10376	241	53	,	,	PUNCT
easat-10376	241	54	vol	vol	NOUN
easat-10376	241	55	.	.	PROPN
easat-10376	241	56	32	32	NUM
easat-10376	241	57	,	,	PUNCT
easat-10376	241	58	no	no	INTJ
easat-10376	241	59	.	.	NOUN
easat-10376	241	60	5	5	NUM
easat-10376	241	61	,	,	PUNCT
easat-10376	241	62	pp	pp	ADJ
easat-10376	241	63	.	.	PUNCT
easat-10376	242	1	407	407	NUM
easat-10376	242	2	-	-	SYM
easat-10376	242	3	421	421	NUM
easat-10376	242	4	,	,	PUNCT
easat-10376	242	5	2021	2021	NUM
easat-10376	242	6	.	.	PUNCT
easat-10376	243	1	https://doi.org/10.5755/j01.ee.32.5.28997	https://doi.org/10.5755/j01.ee.32.5.28997	X
easat-10376	244	1	[	[	X
easat-10376	244	2	27	27	NUM
easat-10376	244	3	]	]	PUNCT
easat-10376	244	4	a.	a.	NOUN
easat-10376	244	5	george	george	PROPN
easat-10376	244	6	and	and	CCONJ
easat-10376	244	7	p.	p.	PROPN
easat-10376	244	8	sunny	sunny	NOUN
easat-10376	244	9	,	,	PUNCT
easat-10376	244	10	"	"	PUNCT
easat-10376	244	11	why	why	SCONJ
easat-10376	244	12	do	do	AUX
easat-10376	244	13	people	people	NOUN
easat-10376	244	14	continue	continue	VERB
easat-10376	244	15	using	use	VERB
easat-10376	244	16	mobile	mobile	ADJ
easat-10376	244	17	wallets	wallet	NOUN
easat-10376	244	18	?	?	PUNCT
easat-10376	245	1	an	an	DET
easat-10376	245	2	empirical	empirical	ADJ
easat-10376	245	3	analysis	analysis	NOUN
easat-10376	245	4	amid	amid	ADP
easat-10376	245	5	covid-19	covid-19	PROPN
easat-10376	245	6	pandemic	pandemic	ADJ
easat-10376	245	7	,	,	PUNCT
easat-10376	245	8	"	"	PUNCT
easat-10376	245	9	journal	journal	NOUN
easat-10376	245	10	of	of	ADP
easat-10376	245	11	financial	financial	ADJ
easat-10376	245	12	services	service	NOUN
easat-10376	245	13	marketing	marketing	NOUN
easat-10376	245	14	,	,	PUNCT
easat-10376	245	15	vol	vol	NOUN
easat-10376	245	16	.	.	PROPN
easat-10376	245	17	28	28	NUM
easat-10376	245	18	,	,	PUNCT
easat-10376	245	19	pp	pp	PROPN
easat-10376	245	20	.	.	PUNCT
easat-10376	245	21	807–21	807–21	NOUN
easat-10376	245	22	,	,	PUNCT
easat-10376	245	23	2022	2022	NUM
easat-10376	245	24	.	.	PUNCT
easat-10376	246	1	[	[	X
easat-10376	246	2	28	28	NUM
easat-10376	246	3	]	]	X
easat-10376	246	4	d.	d.	PROPN
easat-10376	246	5	k.	k.	PROPN
easat-10376	246	6	gautam	gautam	PROPN
easat-10376	246	7	and	and	CCONJ
easat-10376	246	8	g.	g.	PROPN
easat-10376	246	9	k.	k.	PROPN
easat-10376	246	10	sah	sah	PROPN
easat-10376	246	11	,	,	PUNCT
easat-10376	246	12	"	"	PUNCT
easat-10376	246	13	online	online	ADJ
easat-10376	246	14	banking	banking	NOUN
easat-10376	246	15	service	service	NOUN
easat-10376	246	16	practices	practice	NOUN
easat-10376	246	17	and	and	CCONJ
easat-10376	246	18	its	its	PRON
easat-10376	246	19	impact	impact	NOUN
easat-10376	246	20	on	on	ADP
easat-10376	246	21	e	e	NOUN
easat-10376	246	22	-	-	NOUN
easat-10376	246	23	customer	customer	NOUN
easat-10376	246	24	satisfaction	satisfaction	NOUN
easat-10376	246	25	and	and	CCONJ
easat-10376	246	26	ecustomer	ecustomer	NOUN
easat-10376	246	27	loyalty	loyalty	NOUN
easat-10376	246	28	in	in	ADP
easat-10376	246	29	developing	develop	VERB
easat-10376	246	30	country	country	NOUN
easat-10376	246	31	of	of	ADP
easat-10376	246	32	south	south	PROPN
easat-10376	246	33	asia	asia	PROPN
easat-10376	246	34	-	-	PUNCT
easat-10376	246	35	nepal	nepal	ADJ
easat-10376	246	36	,	,	PUNCT
easat-10376	246	37	"	"	PUNCT
easat-10376	246	38	sage	sage	NOUN
easat-10376	246	39	open	open	ADJ
easat-10376	246	40	,	,	PUNCT
easat-10376	246	41	vol	vol	NOUN
easat-10376	246	42	.	.	PROPN
easat-10376	246	43	13	13	NUM
easat-10376	246	44	,	,	PUNCT
easat-10376	246	45	no	no	INTJ
easat-10376	246	46	.	.	NOUN
easat-10376	246	47	3	3	NUM
easat-10376	246	48	,	,	PUNCT
easat-10376	246	49	p.	p.	NOUN
easat-10376	246	50	21582440231185580	21582440231185580	NUM
easat-10376	246	51	,	,	PUNCT
easat-10376	246	52	2023	2023	NUM
easat-10376	246	53	.	.	PUNCT
easat-10376	247	1	[	[	X
easat-10376	247	2	29	29	NUM
easat-10376	247	3	]	]	PUNCT
easat-10376	247	4	a.	a.	NOUN
easat-10376	247	5	patnaik	patnaik	PROPN
easat-10376	247	6	,	,	PUNCT
easat-10376	247	7	p.	p.	PROPN
easat-10376	247	8	kudal	kudal	PROPN
easat-10376	247	9	,	,	PUNCT
easat-10376	247	10	s.	s.	PROPN
easat-10376	247	11	dawar	dawar	PROPN
easat-10376	247	12	,	,	PUNCT
easat-10376	247	13	v.	v.	ADP
easat-10376	247	14	inamdar	inamdar	NOUN
easat-10376	247	15	,	,	PUNCT
easat-10376	247	16	and	and	CCONJ
easat-10376	247	17	p.	p.	NOUN
easat-10376	247	18	dawar	dawar	NOUN
easat-10376	247	19	,	,	PUNCT
easat-10376	247	20	"	"	PUNCT
easat-10376	247	21	exploring	explore	VERB
easat-10376	247	22	user	user	NOUN
easat-10376	247	23	acceptance	acceptance	NOUN
easat-10376	247	24	of	of	ADP
easat-10376	247	25	digital	digital	ADJ
easat-10376	247	26	payments	payment	NOUN
easat-10376	247	27	in	in	ADP
easat-10376	247	28	india	india	PROPN
easat-10376	247	29	:	:	PUNCT
easat-10376	247	30	an	an	DET
easat-10376	247	31	empirical	empirical	ADJ
easat-10376	247	32	study	study	NOUN
easat-10376	247	33	using	use	VERB
easat-10376	247	34	an	an	DET
easat-10376	247	35	extended	extended	ADJ
easat-10376	247	36	technology	technology	NOUN
easat-10376	247	37	acceptance	acceptance	NOUN
easat-10376	247	38	model	model	NOUN
easat-10376	247	39	in	in	ADP
easat-10376	247	40	the	the	DET
easat-10376	247	41	fintech	fintech	NOUN
easat-10376	247	42	landscape	landscape	NOUN
easat-10376	247	43	,	,	PUNCT
easat-10376	247	44	"	"	PUNCT
easat-10376	247	45	international	international	ADJ
easat-10376	247	46	journal	journal	NOUN
easat-10376	247	47	of	of	ADP
easat-10376	247	48	sustainable	sustainable	ADJ
easat-10376	247	49	development	development	NOUN
easat-10376	247	50	&	&	CCONJ
easat-10376	247	51	planning	planning	NOUN
easat-10376	247	52	,	,	PUNCT
easat-10376	247	53	vol	vol	NOUN
easat-10376	247	54	.	.	PROPN
easat-10376	247	55	18	18	NUM
easat-10376	247	56	,	,	PUNCT
easat-10376	247	57	no	no	INTJ
easat-10376	247	58	.	.	NOUN
easat-10376	247	59	8	8	NUM
easat-10376	247	60	,	,	PUNCT
easat-10376	247	61	pp	pp	ADJ
easat-10376	247	62	.	.	PUNCT
easat-10376	247	63	1351–1364	1351–1364	NUM
easat-10376	247	64	,	,	PUNCT
easat-10376	247	65	2023	2023	NUM
easat-10376	247	66	.	.	PUNCT
easat-10376	248	1	https://doi.org/10.18280/ijsdp.180812	https://doi.org/10.18280/ijsdp.180812	NOUN
easat-10376	248	2	[	[	X
easat-10376	248	3	30	30	NUM
easat-10376	248	4	]	]	X
easat-10376	248	5	s.	s.	PROPN
easat-10376	248	6	chandra	chandra	PROPN
easat-10376	248	7	,	,	PUNCT
easat-10376	248	8	s.	s.	PROPN
easat-10376	248	9	c.	c.	PROPN
easat-10376	248	10	srivastava	srivastava	PROPN
easat-10376	248	11	,	,	PUNCT
easat-10376	248	12	and	and	CCONJ
easat-10376	248	13	y.-l	y.-l	NOUN
easat-10376	248	14	.	.	PUNCT
easat-10376	249	1	theng	theng	NOUN
easat-10376	249	2	,	,	PUNCT
easat-10376	249	3	"	"	PUNCT
easat-10376	249	4	evaluating	evaluate	VERB
easat-10376	249	5	the	the	DET
easat-10376	249	6	role	role	NOUN
easat-10376	249	7	of	of	ADP
easat-10376	249	8	trust	trust	NOUN
easat-10376	249	9	in	in	ADP
easat-10376	249	10	consumer	consumer	NOUN
easat-10376	249	11	adoption	adoption	NOUN
easat-10376	249	12	of	of	ADP
easat-10376	249	13	mobile	mobile	ADJ
easat-10376	249	14	payment	payment	NOUN
easat-10376	249	15	systems	system	NOUN
easat-10376	249	16	:	:	PUNCT
easat-10376	249	17	an	an	DET
easat-10376	249	18	empirical	empirical	ADJ
easat-10376	249	19	analysis	analysis	NOUN
easat-10376	249	20	,	,	PUNCT
easat-10376	249	21	"	"	PUNCT
easat-10376	249	22	communications	communication	NOUN
easat-10376	249	23	of	of	ADP
easat-10376	249	24	the	the	DET
easat-10376	249	25	association	association	NOUN
easat-10376	249	26	for	for	ADP
easat-10376	249	27	information	information	NOUN
easat-10376	249	28	systems	system	NOUN
easat-10376	249	29	,	,	PUNCT
easat-10376	249	30	vol	vol	NOUN
easat-10376	249	31	.	.	PROPN
easat-10376	249	32	27	27	NUM
easat-10376	249	33	,	,	PUNCT
easat-10376	249	34	no	no	INTJ
easat-10376	249	35	.	.	NOUN
easat-10376	249	36	1	1	NUM
easat-10376	249	37	,	,	PUNCT
easat-10376	249	38	pp	pp	ADJ
easat-10376	249	39	.	.	PUNCT
easat-10376	250	1	562–88	562–88	NUM
easat-10376	250	2	,	,	PUNCT
easat-10376	250	3	2010	2010	NUM
easat-10376	250	4	.	.	PUNCT
easat-10376	251	1	https://doi.org/10.17705/1cais.02729	https://doi.org/10.17705/1cais.02729	PROPN
easat-10376	252	1	[	[	X
easat-10376	252	2	31	31	NUM
easat-10376	252	3	]	]	X
easat-10376	252	4	g.	g.	PROPN
easat-10376	252	5	a.	a.	PROPN
easat-10376	252	6	putri	putri	PROPN
easat-10376	252	7	,	,	PUNCT
easat-10376	252	8	a.	a.	PROPN
easat-10376	252	9	k.	k.	PROPN
easat-10376	252	10	widagdo	widagdo	PROPN
easat-10376	252	11	,	,	PUNCT
easat-10376	252	12	and	and	CCONJ
easat-10376	252	13	d.	d.	PROPN
easat-10376	252	14	setiawan	setiawan	PROPN
easat-10376	252	15	,	,	PUNCT
easat-10376	252	16	"	"	PUNCT
easat-10376	252	17	analysis	analysis	NOUN
easat-10376	252	18	of	of	ADP
easat-10376	252	19	financial	financial	ADJ
easat-10376	252	20	technology	technology	NOUN
easat-10376	252	21	acceptance	acceptance	NOUN
easat-10376	252	22	of	of	ADP
easat-10376	252	23	peer	peer	NOUN
easat-10376	252	24	to	to	ADP
easat-10376	252	25	peer	peer	NOUN
easat-10376	252	26	lending	lending	NOUN
easat-10376	252	27	(	(	PUNCT
easat-10376	252	28	p2p	p2p	NOUN
easat-10376	252	29	lending	lending	NOUN
easat-10376	252	30	)	)	PUNCT
easat-10376	252	31	using	use	VERB
easat-10376	252	32	extended	extended	ADJ
easat-10376	252	33	technology	technology	NOUN
easat-10376	252	34	acceptance	acceptance	NOUN
easat-10376	252	35	model	model	NOUN
easat-10376	252	36	(	(	PUNCT
easat-10376	252	37	tam	tam	PROPN
easat-10376	252	38	)	)	PUNCT
easat-10376	252	39	,	,	PUNCT
easat-10376	252	40	"	"	PUNCT
easat-10376	252	41	journal	journal	NOUN
easat-10376	252	42	of	of	ADP
easat-10376	252	43	open	open	ADJ
easat-10376	252	44	innovation	innovation	NOUN
easat-10376	252	45	:	:	PUNCT
easat-10376	252	46	technology	technology	NOUN
easat-10376	252	47	,	,	PUNCT
easat-10376	252	48	market	market	NOUN
easat-10376	252	49	,	,	PUNCT
easat-10376	252	50	and	and	CCONJ
easat-10376	252	51	complexity	complexity	NOUN
easat-10376	252	52	,	,	PUNCT
easat-10376	252	53	vol	vol	NOUN
easat-10376	252	54	.	.	NOUN
easat-10376	252	55	9	9	NUM
easat-10376	252	56	,	,	PUNCT
easat-10376	252	57	no	no	INTJ
easat-10376	252	58	.	.	NOUN
easat-10376	252	59	1	1	NUM
easat-10376	252	60	,	,	PUNCT
easat-10376	252	61	p.	p.	NOUN
easat-10376	252	62	100027	100027	NUM
easat-10376	252	63	,	,	PUNCT
easat-10376	252	64	2023	2023	NUM
easat-10376	252	65	.	.	PUNCT
easat-10376	253	1	https://doi.org/10.1016/j.joitmc.2023.100027	https://doi.org/10.1016/j.joitmc.2023.100027	PROPN
easat-10376	253	2	[	[	X
easat-10376	253	3	32	32	NUM
easat-10376	253	4	]	]	PUNCT
easat-10376	253	5	d.	d.	PROPN
easat-10376	253	6	w.	w.	PROPN
easat-10376	253	7	arner	arner	PROPN
easat-10376	253	8	,	,	PUNCT
easat-10376	253	9	r.	r.	PROPN
easat-10376	253	10	p.	p.	PROPN
easat-10376	253	11	buckley	buckley	PROPN
easat-10376	253	12	,	,	PUNCT
easat-10376	253	13	d.	d.	PROPN
easat-10376	253	14	a.	a.	PROPN
easat-10376	253	15	zetzsche	zetzsche	PROPN
easat-10376	253	16	,	,	PUNCT
easat-10376	253	17	and	and	CCONJ
easat-10376	253	18	r.	r.	PROPN
easat-10376	253	19	veidt	veidt	PROPN
easat-10376	253	20	,	,	PUNCT
easat-10376	253	21	"	"	PUNCT
easat-10376	253	22	sustainability	sustainability	NOUN
easat-10376	253	23	,	,	PUNCT
easat-10376	253	24	fintech	fintech	NOUN
easat-10376	253	25	and	and	CCONJ
easat-10376	253	26	financial	financial	ADJ
easat-10376	253	27	inclusion	inclusion	NOUN
easat-10376	253	28	,	,	PUNCT
easat-10376	253	29	"	"	PUNCT
easat-10376	253	30	european	european	ADJ
easat-10376	253	31	business	business	PROPN
easat-10376	253	32	organization	organization	PROPN
easat-10376	253	33	law	law	PROPN
easat-10376	253	34	review	review	NOUN
easat-10376	253	35	,	,	PUNCT
easat-10376	253	36	vol	vol	NOUN
easat-10376	253	37	.	.	PROPN
easat-10376	253	38	21	21	NUM
easat-10376	253	39	,	,	PUNCT
easat-10376	253	40	no	no	INTJ
easat-10376	253	41	.	.	NOUN
easat-10376	253	42	1	1	NUM
easat-10376	253	43	,	,	PUNCT
easat-10376	253	44	pp	pp	ADJ
easat-10376	253	45	.	.	PUNCT
easat-10376	254	1	7	7	NUM
easat-10376	254	2	-	-	SYM
easat-10376	254	3	35	35	NUM
easat-10376	254	4	,	,	PUNCT
easat-10376	254	5	2020	2020	NUM
easat-10376	254	6	.	.	PUNCT
easat-10376	255	1	https://doi.org/10.1007/s40804-020-00183-y	https://doi.org/10.1007/s40804-020-00183-y	VERB
easat-10376	255	2	[	[	X
easat-10376	255	3	33	33	NUM
easat-10376	255	4	]	]	PUNCT
easat-10376	256	1	h.	h.	PROPN
easat-10376	256	2	he	he	PROPN
easat-10376	256	3	,	,	PUNCT
easat-10376	256	4	w.	w.	PROPN
easat-10376	256	5	luo	luo	PROPN
easat-10376	256	6	,	,	PUNCT
easat-10376	256	7	y.	y.	PROPN
easat-10376	256	8	gong	gong	PROPN
easat-10376	256	9	,	,	PUNCT
easat-10376	256	10	i.	i.	PROPN
easat-10376	256	11	r.	r.	PROPN
easat-10376	256	12	berson	berson	PROPN
easat-10376	256	13	,	,	PUNCT
easat-10376	256	14	and	and	CCONJ
easat-10376	256	15	m.	m.	PROPN
easat-10376	256	16	j.	j.	PROPN
easat-10376	256	17	berson	berson	PROPN
easat-10376	256	18	,	,	PUNCT
easat-10376	256	19	"	"	PUNCT
easat-10376	256	20	digital	digital	ADJ
easat-10376	256	21	financial	financial	ADJ
easat-10376	256	22	literacy	literacy	NOUN
easat-10376	256	23	of	of	ADP
easat-10376	256	24	young	young	ADJ
easat-10376	256	25	chinese	chinese	ADJ
easat-10376	256	26	children	child	NOUN
easat-10376	256	27	in	in	ADP
easat-10376	256	28	shanghai	shanghai	PROPN
easat-10376	256	29	:	:	PUNCT
easat-10376	256	30	a	a	DET
easat-10376	256	31	mixed	mixed	ADJ
easat-10376	256	32	method	method	NOUN
easat-10376	256	33	study	study	NOUN
easat-10376	256	34	,	,	PUNCT
easat-10376	256	35	"	"	PUNCT
easat-10376	256	36	early	early	ADJ
easat-10376	256	37	education	education	NOUN
easat-10376	256	38	and	and	CCONJ
easat-10376	256	39	development	development	NOUN
easat-10376	256	40	,	,	PUNCT
easat-10376	256	41	vol	vol	NOUN
easat-10376	256	42	.	.	PROPN
easat-10376	256	43	35	35	NUM
easat-10376	256	44	,	,	PUNCT
easat-10376	256	45	no	no	INTJ
easat-10376	256	46	.	.	NOUN
easat-10376	256	47	1	1	NUM
easat-10376	256	48	,	,	PUNCT
easat-10376	256	49	pp	pp	ADJ
easat-10376	256	50	.	.	PUNCT
easat-10376	257	1	57	57	NUM
easat-10376	257	2	-	-	SYM
easat-10376	257	3	76	76	NUM
easat-10376	257	4	,	,	PUNCT
easat-10376	257	5	2024	2024	NUM
easat-10376	257	6	.	.	PUNCT
easat-10376	258	1	https://doi.org/10.1080/10409289.2023.2208011	https://doi.org/10.1080/10409289.2023.2208011	PROPN
easat-10376	259	1	[	[	X
easat-10376	259	2	34	34	NUM
easat-10376	259	3	]	]	PUNCT
easat-10376	259	4	p.	p.	PROPN
easat-10376	259	5	kumar	kumar	PROPN
easat-10376	259	6	,	,	PUNCT
easat-10376	259	7	r.	r.	PROPN
easat-10376	259	8	pillai	pillai	PROPN
easat-10376	259	9	,	,	PUNCT
easat-10376	259	10	n.	n.	PROPN
easat-10376	259	11	kumar	kumar	PROPN
easat-10376	259	12	,	,	PUNCT
easat-10376	259	13	and	and	CCONJ
easat-10376	259	14	m.	m.	PROPN
easat-10376	259	15	i.	i.	PROPN
easat-10376	259	16	tabash	tabash	PROPN
easat-10376	259	17	,	,	PUNCT
easat-10376	259	18	"	"	PUNCT
easat-10376	259	19	the	the	DET
easat-10376	259	20	interplay	interplay	NOUN
easat-10376	259	21	of	of	ADP
easat-10376	259	22	skills	skill	NOUN
easat-10376	259	23	,	,	PUNCT
easat-10376	259	24	digital	digital	ADJ
easat-10376	259	25	financial	financial	ADJ
easat-10376	259	26	literacy	literacy	NOUN
easat-10376	259	27	,	,	PUNCT
easat-10376	259	28	capability	capability	NOUN
easat-10376	259	29	,	,	PUNCT
easat-10376	259	30	and	and	CCONJ
easat-10376	259	31	autonomy	autonomy	NOUN
easat-10376	259	32	in	in	ADP
easat-10376	259	33	financial	financial	ADJ
easat-10376	259	34	decision	decision	NOUN
easat-10376	259	35	making	making	NOUN
easat-10376	259	36	and	and	CCONJ
easat-10376	259	37	well	well	ADV
easat-10376	259	38	-	-	PUNCT
easat-10376	259	39	being	being	NOUN
easat-10376	259	40	,	,	PUNCT
easat-10376	259	41	"	"	PUNCT
easat-10376	259	42	borsa	borsa	PROPN
easat-10376	259	43	istanbul	istanbul	PROPN
easat-10376	259	44	review	review	PROPN
easat-10376	259	45	,	,	PUNCT
easat-10376	259	46	vol	vol	NOUN
easat-10376	259	47	.	.	PROPN
easat-10376	259	48	23	23	NUM
easat-10376	259	49	,	,	PUNCT
easat-10376	259	50	no	no	INTJ
easat-10376	259	51	.	.	NOUN
easat-10376	259	52	1	1	NUM
easat-10376	259	53	,	,	PUNCT
easat-10376	259	54	pp	pp	ADJ
easat-10376	259	55	.	.	PUNCT
easat-10376	260	1	169	169	NUM
easat-10376	260	2	-	-	SYM
easat-10376	260	3	183	183	NUM
easat-10376	260	4	,	,	PUNCT
easat-10376	260	5	2023	2023	NUM
easat-10376	260	6	.	.	PUNCT
easat-10376	261	1	https://doi.org/10.1016/j.bir.2022.09.012	https://doi.org/10.1016/j.bir.2022.09.012	NOUN
easat-10376	261	2	[	[	X
easat-10376	261	3	35	35	NUM
easat-10376	261	4	]	]	X
easat-10376	261	5	y.	y.	PROPN
easat-10376	261	6	choung	choung	PROPN
easat-10376	261	7	,	,	PUNCT
easat-10376	261	8	s.	s.	PROPN
easat-10376	261	9	chatterjee	chatterjee	PROPN
easat-10376	261	10	,	,	PUNCT
easat-10376	261	11	and	and	CCONJ
easat-10376	261	12	t.-y	t.-y	NOUN
easat-10376	261	13	.	.	PUNCT
easat-10376	262	1	pak	pak	PROPN
easat-10376	262	2	,	,	PUNCT
easat-10376	262	3	"	"	PUNCT
easat-10376	262	4	digital	digital	ADJ
easat-10376	262	5	financial	financial	ADJ
easat-10376	262	6	literacy	literacy	NOUN
easat-10376	262	7	and	and	CCONJ
easat-10376	262	8	financial	financial	ADJ
easat-10376	262	9	well	well	NOUN
easat-10376	262	10	-	-	PUNCT
easat-10376	262	11	being	being	NOUN
easat-10376	262	12	,	,	PUNCT
easat-10376	262	13	"	"	PUNCT
easat-10376	262	14	finance	finance	NOUN
easat-10376	262	15	research	research	NOUN
easat-10376	262	16	letters	letter	NOUN
easat-10376	262	17	,	,	PUNCT
easat-10376	262	18	vol	vol	NOUN
easat-10376	262	19	.	.	PROPN
easat-10376	262	20	58	58	NUM
easat-10376	262	21	,	,	PUNCT
easat-10376	262	22	p.	p.	NOUN
easat-10376	262	23	104438	104438	NUM
easat-10376	262	24	,	,	PUNCT
easat-10376	262	25	2023	2023	NUM
easat-10376	262	26	.	.	PUNCT
easat-10376	262	27	https://doi.org/10.1016/j.frl.2023.104438	https://doi.org/10.1016/j.frl.2023.104438	PUNCT
easat-10376	263	1	[	[	X
easat-10376	263	2	36	36	NUM
easat-10376	263	3	]	]	X
easat-10376	263	4	c.	c.	PROPN
easat-10376	263	5	m.	m.	PROPN
easat-10376	263	6	malladi	malladi	PROPN
easat-10376	263	7	,	,	PUNCT
easat-10376	263	8	r.	r.	PROPN
easat-10376	263	9	k.	k.	PROPN
easat-10376	263	10	soni	soni	PROPN
easat-10376	263	11	,	,	PUNCT
easat-10376	263	12	and	and	CCONJ
easat-10376	263	13	s.	s.	PROPN
easat-10376	263	14	srinivasan	srinivasan	PROPN
easat-10376	263	15	,	,	PUNCT
easat-10376	263	16	"	"	PUNCT
easat-10376	263	17	digital	digital	ADJ
easat-10376	263	18	financial	financial	ADJ
easat-10376	263	19	inclusion	inclusion	NOUN
easat-10376	263	20	:	:	PUNCT
easat-10376	263	21	next	next	ADJ
easat-10376	263	22	frontiers	frontier	NOUN
easat-10376	263	23	—	—	PUNCT
easat-10376	263	24	challenges	challenge	NOUN
easat-10376	263	25	and	and	CCONJ
easat-10376	263	26	opportunities	opportunity	NOUN
easat-10376	263	27	,	,	PUNCT
easat-10376	263	28	"	"	PUNCT
easat-10376	263	29	csi	csi	PROPN
easat-10376	263	30	transactions	transaction	NOUN
easat-10376	263	31	on	on	ADP
easat-10376	263	32	ict	ict	PROPN
easat-10376	263	33	,	,	PUNCT
easat-10376	263	34	vol	vol	NOUN
easat-10376	263	35	.	.	PROPN
easat-10376	264	1	9	9	NUM
easat-10376	264	2	,	,	PUNCT
easat-10376	264	3	no	no	INTJ
easat-10376	264	4	.	.	NOUN
easat-10376	264	5	2	2	NUM
easat-10376	264	6	,	,	PUNCT
easat-10376	264	7	pp	pp	ADJ
easat-10376	264	8	.	.	PUNCT
easat-10376	265	1	127	127	NUM
easat-10376	265	2	-	-	SYM
easat-10376	265	3	134	134	NUM
easat-10376	265	4	,	,	PUNCT
easat-10376	265	5	2021	2021	NUM
easat-10376	265	6	.	.	PUNCT
easat-10376	266	1	https://doi.org/10.1007/s40012-021-003285	https://doi.org/10.1007/s40012-021-003285	ADP
easat-10376	266	2	https://doi.org/10.1016/j.techfore.2022.122158	https://doi.org/10.1016/j.techfore.2022.122158	ADJ
easat-10376	266	3	https://doi.org/10.1108/jfrc-01-2017-0013	https://doi.org/10.1108/jfrc-01-2017-0013	PROPN
easat-10376	266	4	https://doi.org/10.3390/joitmc8040208	https://doi.org/10.3390/joitmc8040208	ADJ
easat-10376	266	5	https://doi.org/10.1016/j.techsoc.2021.101535	https://doi.org/10.1016/j.techsoc.2021.101535	PROPN
easat-10376	266	6	https://doi.org/10.1016/j.joitmc.2023.100113	https://doi.org/10.1016/j.joitmc.2023.100113	PROPN
easat-10376	266	7	https://doi.org/10.1016/j.dss.2005.05.009	https://doi.org/10.1016/j.dss.2005.05.009	PROPN
easat-10376	266	8	https://doi.org/10.1080/14783363.2018.1486550	https://doi.org/10.1080/14783363.2018.1486550	PROPN
easat-10376	266	9	https://doi.org/10.1177/09721509211027402	https://doi.org/10.1177/09721509211027402	PROPN
easat-10376	266	10	https://doi.org/10.1016/j.joitmc.2023.100010	https://doi.org/10.1016/j.joitmc.2023.100010	PROPN
easat-10376	266	11	https://doi.org/10.5755/j01.ee.32.5.28997	https://doi.org/10.5755/j01.ee.32.5.28997	ADP
easat-10376	266	12	https://doi.org/10.18280/ijsdp.180812	https://doi.org/10.18280/ijsdp.180812	NOUN
easat-10376	266	13	https://doi.org/10.17705/1cais.02729	https://doi.org/10.17705/1cais.02729	PROPN
easat-10376	266	14	https://doi.org/10.1016/j.joitmc.2023.100027	https://doi.org/10.1016/j.joitmc.2023.100027	PROPN
easat-10376	266	15	https://doi.org/10.1007/s40804-020-00183-y	https://doi.org/10.1007/s40804-020-00183-y	VERB
easat-10376	266	16	https://doi.org/10.1080/10409289.2023.2208011	https://doi.org/10.1080/10409289.2023.2208011	PROPN
easat-10376	266	17	https://doi.org/10.1016/j.bir.2022.09.012	https://doi.org/10.1016/j.bir.2022.09.012	PROPN
easat-10376	266	18	https://doi.org/10.1016/j.frl.2023.104438	https://doi.org/10.1016/j.frl.2023.104438	PROPN
easat-10376	266	19	https://doi.org/10.1007/s40012-021-00328-5	https://doi.org/10.1007/s40012-021-00328-5	PROPN
easat-10376	266	20	https://doi.org/10.1007/s40012-021-00328-5	https://doi.org/10.1007/s40012-021-00328-5	NOUN
easat-10376	266	21	169	169	NUM
easat-10376	266	22	edelweiss	edelweiss	PROPN
easat-10376	266	23	applied	apply	VERB
easat-10376	266	24	science	science	NOUN
easat-10376	266	25	and	and	CCONJ
easat-10376	266	26	technology	technology	NOUN
easat-10376	266	27	issn	issn	PROPN
easat-10376	266	28	:	:	PUNCT
easat-10376	266	29	2576	2576	NUM
easat-10376	266	30	-	-	SYM
easat-10376	266	31	8484	8484	NUM
easat-10376	266	32	vol	vol	NOUN
easat-10376	266	33	.	.	PROPN
easat-10376	267	1	9	9	NUM
easat-10376	267	2	,	,	PUNCT
easat-10376	267	3	no	no	INTJ
easat-10376	267	4	.	.	NOUN
easat-10376	267	5	10	10	NUM
easat-10376	267	6	:	:	PUNCT
easat-10376	267	7	160	160	NUM
easat-10376	267	8	-	-	SYM
easat-10376	267	9	169	169	NUM
easat-10376	267	10	,	,	PUNCT
easat-10376	267	11	2025	2025	NUM
easat-10376	267	12	doi	doi	NOUN
easat-10376	267	13	:	:	PUNCT
easat-10376	267	14	10.55214/2576	10.55214/2576	NUM
easat-10376	267	15	-	-	PUNCT
easat-10376	267	16	8484.v9i10.10376	8484.v9i10.10376	NUM
easat-10376	267	17	©	©	PROPN
easat-10376	267	18	2025	2025	NUM
easat-10376	267	19	by	by	ADP
easat-10376	267	20	the	the	DET
easat-10376	267	21	authors	author	NOUN
easat-10376	267	22	;	;	PUNCT
easat-10376	267	23	licensee	licensee	PROPN
easat-10376	267	24	learning	learning	NOUN
easat-10376	267	25	gate	gate	NOUN
easat-10376	268	1	[	[	X
easat-10376	268	2	37	37	NUM
easat-10376	268	3	]	]	PUNCT
easat-10376	268	4	m.	m.	PROPN
easat-10376	268	5	hasan	hasan	PROPN
easat-10376	268	6	,	,	PUNCT
easat-10376	268	7	t.	t.	PROPN
easat-10376	268	8	le	le	PROPN
easat-10376	268	9	,	,	PUNCT
easat-10376	268	10	and	and	CCONJ
easat-10376	268	11	a.	a.	NOUN
easat-10376	268	12	hoque	hoque	NOUN
easat-10376	268	13	,	,	PUNCT
easat-10376	268	14	"	"	PUNCT
easat-10376	268	15	how	how	SCONJ
easat-10376	268	16	does	do	AUX
easat-10376	268	17	financial	financial	ADJ
easat-10376	268	18	literacy	literacy	NOUN
easat-10376	268	19	impact	impact	NOUN
easat-10376	268	20	on	on	ADP
easat-10376	268	21	inclusive	inclusive	ADJ
easat-10376	268	22	finance	finance	NOUN
easat-10376	268	23	?	?	PUNCT
easat-10376	268	24	,	,	PUNCT
easat-10376	268	25	"	"	PUNCT
easat-10376	268	26	financial	financial	ADJ
easat-10376	268	27	innovation	innovation	NOUN
easat-10376	268	28	,	,	PUNCT
easat-10376	268	29	vol	vol	NOUN
easat-10376	268	30	.	.	PROPN
easat-10376	268	31	7	7	NUM
easat-10376	268	32	,	,	PUNCT
easat-10376	268	33	no	no	INTJ
easat-10376	268	34	.	.	NOUN
easat-10376	268	35	1	1	NUM
easat-10376	268	36	,	,	PUNCT
easat-10376	268	37	p.	p.	NOUN
easat-10376	268	38	40	40	NUM
easat-10376	268	39	,	,	PUNCT
easat-10376	268	40	2021a	2021a	NUM
easat-10376	268	41	.	.	PUNCT
easat-10376	268	42	https://doi.org/10.1186/s40854-021-00259-9	https://doi.org/10.1186/s40854-021-00259-9	PUNCT
easat-10376	269	1	[	[	X
easat-10376	269	2	38	38	NUM
easat-10376	269	3	]	]	PUNCT
easat-10376	269	4	h.	h.	PROPN
easat-10376	269	5	h.	h.	PROPN
easat-10376	269	6	khan	khan	PROPN
easat-10376	269	7	,	,	PUNCT
easat-10376	269	8	s.	s.	PROPN
easat-10376	269	9	khan	khan	PROPN
easat-10376	269	10	,	,	PUNCT
easat-10376	269	11	and	and	CCONJ
easat-10376	269	12	a.	a.	NOUN
easat-10376	269	13	ghafoor	ghafoor	NOUN
easat-10376	269	14	,	,	PUNCT
easat-10376	269	15	"	"	PUNCT
easat-10376	269	16	fintech	fintech	NOUN
easat-10376	269	17	adoption	adoption	NOUN
easat-10376	269	18	,	,	PUNCT
easat-10376	269	19	the	the	DET
easat-10376	269	20	regulatory	regulatory	ADJ
easat-10376	269	21	environment	environment	NOUN
easat-10376	269	22	and	and	CCONJ
easat-10376	269	23	bank	bank	NOUN
easat-10376	269	24	stability	stability	NOUN
easat-10376	269	25	:	:	PUNCT
easat-10376	269	26	an	an	DET
easat-10376	269	27	empirical	empirical	ADJ
easat-10376	269	28	investigation	investigation	NOUN
easat-10376	269	29	from	from	ADP
easat-10376	269	30	gcc	gcc	NOUN
easat-10376	269	31	economies	economy	NOUN
easat-10376	269	32	,	,	PUNCT
easat-10376	269	33	"	"	PUNCT
easat-10376	269	34	borsa	borsa	PROPN
easat-10376	269	35	istanbul	istanbul	PROPN
easat-10376	269	36	review	review	PROPN
easat-10376	269	37	,	,	PUNCT
easat-10376	269	38	vol	vol	NOUN
easat-10376	269	39	.	.	PROPN
easat-10376	269	40	23	23	NUM
easat-10376	269	41	,	,	PUNCT
easat-10376	269	42	no	no	INTJ
easat-10376	269	43	.	.	NOUN
easat-10376	269	44	6	6	NUM
easat-10376	269	45	,	,	PUNCT
easat-10376	269	46	pp	pp	ADJ
easat-10376	269	47	.	.	PUNCT
easat-10376	269	48	1263	1263	NUM
easat-10376	269	49	-	-	SYM
easat-10376	269	50	1281	1281	NUM
easat-10376	269	51	,	,	PUNCT
easat-10376	269	52	2023	2023	NUM
easat-10376	269	53	.	.	PUNCT
easat-10376	270	1	https://doi.org/10.1016/j.bir.2023.10.010	https://doi.org/10.1016/j.bir.2023.10.010	ADP
easat-10376	270	2	[	[	X
easat-10376	270	3	39	39	NUM
easat-10376	270	4	]	]	PUNCT
easat-10376	270	5	k.	k.	PROPN
easat-10376	270	6	madan	madan	PROPN
easat-10376	270	7	and	and	CCONJ
easat-10376	270	8	r.	r.	PROPN
easat-10376	270	9	yadav	yadav	PROPN
easat-10376	270	10	,	,	PUNCT
easat-10376	270	11	"	"	PUNCT
easat-10376	270	12	behavioural	behavioural	ADJ
easat-10376	270	13	intention	intention	NOUN
easat-10376	270	14	to	to	PART
easat-10376	270	15	adopt	adopt	VERB
easat-10376	270	16	mobile	mobile	ADJ
easat-10376	270	17	wallet	wallet	NOUN
easat-10376	270	18	:	:	PUNCT
easat-10376	270	19	a	a	DET
easat-10376	270	20	developing	develop	VERB
easat-10376	270	21	country	country	NOUN
easat-10376	270	22	perspective	perspective	NOUN
easat-10376	270	23	,	,	PUNCT
easat-10376	270	24	"	"	PUNCT
easat-10376	270	25	journal	journal	NOUN
easat-10376	270	26	of	of	ADP
easat-10376	270	27	indian	indian	PROPN
easat-10376	270	28	business	business	NOUN
easat-10376	270	29	research	research	NOUN
easat-10376	270	30	,	,	PUNCT
easat-10376	270	31	vol	vol	NOUN
easat-10376	270	32	.	.	PROPN
easat-10376	270	33	8	8	NUM
easat-10376	270	34	,	,	PUNCT
easat-10376	270	35	no	no	INTJ
easat-10376	270	36	.	.	NOUN
easat-10376	270	37	3	3	NUM
easat-10376	270	38	,	,	PUNCT
easat-10376	270	39	pp	pp	ADJ
easat-10376	270	40	.	.	PUNCT
easat-10376	271	1	227	227	NUM
easat-10376	271	2	-	-	SYM
easat-10376	271	3	244	244	NUM
easat-10376	271	4	,	,	PUNCT
easat-10376	271	5	2016	2016	NUM
easat-10376	271	6	.	.	PUNCT
easat-10376	272	1	https://doi.org/10.1108/jibr-10-2015-0112	https://doi.org/10.1108/jibr-10-2015-0112	PROPN
easat-10376	273	1	[	[	X
easat-10376	273	2	40	40	NUM
easat-10376	273	3	]	]	PUNCT
easat-10376	273	4	s.	s.	PROPN
easat-10376	273	5	singh	singh	PROPN
easat-10376	273	6	and	and	CCONJ
easat-10376	273	7	r.	r.	PROPN
easat-10376	273	8	k.	k.	PROPN
easat-10376	273	9	srivastava	srivastava	PROPN
easat-10376	273	10	,	,	PUNCT
easat-10376	273	11	"	"	PUNCT
easat-10376	273	12	predicting	predict	VERB
easat-10376	273	13	the	the	DET
easat-10376	273	14	intention	intention	NOUN
easat-10376	273	15	to	to	PART
easat-10376	273	16	use	use	VERB
easat-10376	273	17	mobile	mobile	ADJ
easat-10376	273	18	banking	banking	NOUN
easat-10376	273	19	in	in	ADP
easat-10376	273	20	india	india	PROPN
easat-10376	273	21	,	,	PUNCT
easat-10376	273	22	"	"	PUNCT
easat-10376	273	23	international	international	ADJ
easat-10376	273	24	journal	journal	NOUN
easat-10376	273	25	of	of	ADP
easat-10376	273	26	bank	bank	PROPN
easat-10376	273	27	marketing	marketing	NOUN
easat-10376	273	28	,	,	PUNCT
easat-10376	273	29	vol	vol	NOUN
easat-10376	273	30	.	.	PROPN
easat-10376	273	31	36	36	NUM
easat-10376	273	32	,	,	PUNCT
easat-10376	273	33	no	no	INTJ
easat-10376	273	34	.	.	NOUN
easat-10376	273	35	2	2	NUM
easat-10376	273	36	,	,	PUNCT
easat-10376	273	37	pp	pp	ADJ
easat-10376	273	38	.	.	PUNCT
easat-10376	274	1	357	357	NUM
easat-10376	274	2	-	-	SYM
easat-10376	274	3	378	378	NUM
easat-10376	274	4	,	,	PUNCT
easat-10376	274	5	2018	2018	NUM
easat-10376	274	6	.	.	PUNCT
easat-10376	275	1	https://doi.org/10.1108/ijbm-12-2016-0186	https://doi.org/10.1108/ijbm-12-2016-0186	PUNCT
easat-10376	276	1	[	[	X
easat-10376	276	2	41	41	NUM
easat-10376	276	3	]	]	PUNCT
easat-10376	276	4	a.	a.	NOUN
easat-10376	276	5	kumar	kumar	PROPN
easat-10376	276	6	,	,	PUNCT
easat-10376	276	7	a.	a.	PROPN
easat-10376	276	8	adlakaha	adlakaha	PROPN
easat-10376	276	9	,	,	PUNCT
easat-10376	276	10	and	and	CCONJ
easat-10376	276	11	k.	k.	PROPN
easat-10376	276	12	mukherjee	mukherjee	PROPN
easat-10376	276	13	,	,	PUNCT
easat-10376	276	14	"	"	PUNCT
easat-10376	276	15	the	the	DET
easat-10376	276	16	effect	effect	NOUN
easat-10376	276	17	of	of	ADP
easat-10376	276	18	perceived	perceive	VERB
easat-10376	276	19	security	security	NOUN
easat-10376	276	20	and	and	CCONJ
easat-10376	276	21	grievance	grievance	NOUN
easat-10376	276	22	redressal	redressal	NOUN
easat-10376	276	23	on	on	ADP
easat-10376	276	24	continuance	continuance	NOUN
easat-10376	276	25	intention	intention	NOUN
easat-10376	276	26	to	to	PART
easat-10376	276	27	use	use	VERB
easat-10376	276	28	m	m	NOUN
easat-10376	276	29	-	-	NOUN
easat-10376	276	30	wallets	wallet	NOUN
easat-10376	276	31	in	in	ADP
easat-10376	276	32	a	a	DET
easat-10376	276	33	developing	develop	VERB
easat-10376	276	34	country	country	NOUN
easat-10376	276	35	,	,	PUNCT
easat-10376	276	36	"	"	PUNCT
easat-10376	276	37	international	international	ADJ
easat-10376	276	38	journal	journal	NOUN
easat-10376	276	39	of	of	ADP
easat-10376	276	40	bank	bank	PROPN
easat-10376	276	41	marketing	marketing	NOUN
easat-10376	276	42	,	,	PUNCT
easat-10376	276	43	vol	vol	NOUN
easat-10376	276	44	.	.	PROPN
easat-10376	276	45	36	36	NUM
easat-10376	276	46	,	,	PUNCT
easat-10376	276	47	no	no	INTJ
easat-10376	276	48	.	.	NOUN
easat-10376	276	49	7	7	NUM
easat-10376	276	50	,	,	PUNCT
easat-10376	276	51	pp	pp	ADJ
easat-10376	276	52	.	.	PUNCT
easat-10376	276	53	11701189	11701189	NUM
easat-10376	276	54	,	,	PUNCT
easat-10376	276	55	2018	2018	NUM
easat-10376	276	56	.	.	PUNCT
easat-10376	277	1	[	[	X
easat-10376	277	2	42	42	NUM
easat-10376	277	3	]	]	PUNCT
easat-10376	277	4	t.	t.	PROPN
easat-10376	277	5	zhou	zhou	PROPN
easat-10376	277	6	,	,	PUNCT
easat-10376	277	7	"	"	PUNCT
easat-10376	277	8	an	an	DET
easat-10376	277	9	empirical	empirical	ADJ
easat-10376	277	10	examination	examination	NOUN
easat-10376	277	11	of	of	ADP
easat-10376	277	12	continuance	continuance	NOUN
easat-10376	277	13	intention	intention	NOUN
easat-10376	277	14	of	of	ADP
easat-10376	277	15	mobile	mobile	ADJ
easat-10376	277	16	payment	payment	NOUN
easat-10376	277	17	services	service	NOUN
easat-10376	277	18	,	,	PUNCT
easat-10376	277	19	"	"	PUNCT
easat-10376	277	20	decision	decision	NOUN
easat-10376	277	21	support	support	NOUN
easat-10376	277	22	systems	system	NOUN
easat-10376	277	23	,	,	PUNCT
easat-10376	277	24	vol	vol	NOUN
easat-10376	277	25	.	.	PROPN
easat-10376	277	26	54	54	NUM
easat-10376	277	27	,	,	PUNCT
easat-10376	277	28	no	no	INTJ
easat-10376	277	29	.	.	NOUN
easat-10376	277	30	2	2	NUM
easat-10376	277	31	,	,	PUNCT
easat-10376	277	32	pp	pp	ADJ
easat-10376	277	33	.	.	PUNCT
easat-10376	277	34	1085	1085	NUM
easat-10376	277	35	-	-	SYM
easat-10376	277	36	1091	1091	NUM
easat-10376	277	37	,	,	PUNCT
easat-10376	277	38	2013	2013	NUM
easat-10376	277	39	.	.	PUNCT
easat-10376	278	1	https://doi.org/10.1016/j.dss.2012.10.034	https://doi.org/10.1016/j.dss.2012.10.034	NOUN
easat-10376	279	1	[	[	X
easat-10376	279	2	43	43	NUM
easat-10376	279	3	]	]	X
easat-10376	279	4	v.	v.	CCONJ
easat-10376	279	5	venkatesh	venkatesh	PROPN
easat-10376	279	6	,	,	PUNCT
easat-10376	279	7	j.	j.	PROPN
easat-10376	279	8	y.	y.	PROPN
easat-10376	279	9	thong	thong	PROPN
easat-10376	279	10	,	,	PUNCT
easat-10376	279	11	and	and	CCONJ
easat-10376	279	12	x.	x.	PROPN
easat-10376	279	13	xu	xu	PROPN
easat-10376	279	14	,	,	PUNCT
easat-10376	279	15	"	"	PUNCT
easat-10376	279	16	consumer	consumer	NOUN
easat-10376	279	17	acceptance	acceptance	NOUN
easat-10376	279	18	and	and	CCONJ
easat-10376	279	19	use	use	NOUN
easat-10376	279	20	of	of	ADP
easat-10376	279	21	information	information	NOUN
easat-10376	279	22	technology	technology	NOUN
easat-10376	279	23	:	:	PUNCT
easat-10376	279	24	extending	extend	VERB
easat-10376	279	25	the	the	DET
easat-10376	279	26	unified	unified	ADJ
easat-10376	279	27	theory	theory	NOUN
easat-10376	279	28	of	of	ADP
easat-10376	279	29	acceptance	acceptance	NOUN
easat-10376	279	30	and	and	CCONJ
easat-10376	279	31	use	use	NOUN
easat-10376	279	32	of	of	ADP
easat-10376	279	33	technology	technology	NOUN
easat-10376	279	34	,	,	PUNCT
easat-10376	279	35	"	"	PUNCT
easat-10376	279	36	mis	mis	PROPN
easat-10376	279	37	quarterly	quarterly	PROPN
easat-10376	279	38	,	,	PUNCT
easat-10376	279	39	pp	pp	ADJ
easat-10376	279	40	.	.	PUNCT
easat-10376	280	1	157	157	NUM
easat-10376	280	2	-	-	SYM
easat-10376	280	3	178	178	NUM
easat-10376	280	4	,	,	PUNCT
easat-10376	280	5	2012	2012	NUM
easat-10376	280	6	.	.	PUNCT
easat-10376	281	1	https://doi.org/10.2307/41410412	https://doi.org/10.2307/41410412	X
easat-10376	282	1	[	[	X
easat-10376	282	2	44	44	NUM
easat-10376	282	3	]	]	PUNCT
easat-10376	282	4	h.	h.	PROPN
easat-10376	282	5	xia	xia	PROPN
easat-10376	282	6	,	,	PUNCT
easat-10376	282	7	d.	d.	PROPN
easat-10376	282	8	lu	lu	PROPN
easat-10376	282	9	,	,	PUNCT
easat-10376	282	10	b.	b.	PROPN
easat-10376	282	11	lin	lin	PROPN
easat-10376	282	12	,	,	PUNCT
easat-10376	282	13	j.	j.	PROPN
easat-10376	282	14	h.	h.	PROPN
easat-10376	282	15	nord	nord	PROPN
easat-10376	282	16	,	,	PUNCT
easat-10376	282	17	and	and	CCONJ
easat-10376	282	18	j.	j.	PROPN
easat-10376	282	19	z.	z.	PROPN
easat-10376	282	20	zhang	zhang	PROPN
easat-10376	282	21	,	,	PUNCT
easat-10376	282	22	"	"	PUNCT
easat-10376	282	23	trust	trust	NOUN
easat-10376	282	24	in	in	ADP
easat-10376	282	25	fintech	fintech	NOUN
easat-10376	282	26	:	:	PUNCT
easat-10376	282	27	risk	risk	NOUN
easat-10376	282	28	,	,	PUNCT
easat-10376	282	29	governance	governance	NOUN
easat-10376	282	30	,	,	PUNCT
easat-10376	282	31	and	and	CCONJ
easat-10376	282	32	continuance	continuance	NOUN
easat-10376	282	33	intention	intention	NOUN
easat-10376	282	34	,	,	PUNCT
easat-10376	282	35	"	"	PUNCT
easat-10376	282	36	journal	journal	NOUN
easat-10376	282	37	of	of	ADP
easat-10376	282	38	computer	computer	NOUN
easat-10376	282	39	information	information	NOUN
easat-10376	282	40	systems	system	NOUN
easat-10376	282	41	,	,	PUNCT
easat-10376	282	42	vol	vol	NOUN
easat-10376	282	43	.	.	PROPN
easat-10376	282	44	63	63	NUM
easat-10376	282	45	,	,	PUNCT
easat-10376	282	46	no	no	INTJ
easat-10376	282	47	.	.	NOUN
easat-10376	282	48	3	3	NUM
easat-10376	282	49	,	,	PUNCT
easat-10376	282	50	pp	pp	ADJ
easat-10376	282	51	.	.	PUNCT
easat-10376	283	1	648	648	NUM
easat-10376	283	2	-	-	SYM
easat-10376	283	3	662	662	NUM
easat-10376	283	4	,	,	PUNCT
easat-10376	283	5	2023	2023	NUM
easat-10376	283	6	.	.	PUNCT
easat-10376	284	1	https://doi.org/10.1080/08874417.2022.2093295	https://doi.org/10.1080/08874417.2022.2093295	X
easat-10376	285	1	[	[	X
easat-10376	285	2	45	45	NUM
easat-10376	285	3	]	]	PUNCT
easat-10376	285	4	e.	e.	PROPN
easat-10376	285	5	xie	xie	PROPN
easat-10376	285	6	,	,	PUNCT
easat-10376	285	7	w.	w.	PROPN
easat-10376	285	8	wang	wang	PROPN
easat-10376	285	9	,	,	PUNCT
easat-10376	285	10	z.	z.	PROPN
easat-10376	285	11	yu	yu	PROPN
easat-10376	285	12	,	,	PUNCT
easat-10376	285	13	a.	a.	PROPN
easat-10376	285	14	anandkumar	anandkumar	PROPN
easat-10376	285	15	,	,	PUNCT
easat-10376	285	16	j.	j.	PROPN
easat-10376	285	17	m.	m.	PROPN
easat-10376	285	18	alvarez	alvarez	PROPN
easat-10376	285	19	,	,	PUNCT
easat-10376	285	20	and	and	CCONJ
easat-10376	285	21	p.	p.	PROPN
easat-10376	285	22	luo	luo	PROPN
easat-10376	285	23	,	,	PUNCT
easat-10376	285	24	"	"	PUNCT
easat-10376	285	25	segformer	segformer	NOUN
easat-10376	285	26	:	:	PUNCT
easat-10376	285	27	simple	simple	ADJ
easat-10376	285	28	and	and	CCONJ
easat-10376	285	29	efficient	efficient	ADJ
easat-10376	285	30	design	design	NOUN
easat-10376	285	31	for	for	ADP
easat-10376	285	32	semantic	semantic	ADJ
easat-10376	285	33	segmentation	segmentation	NOUN
easat-10376	285	34	with	with	ADP
easat-10376	285	35	transformers	transformer	NOUN
easat-10376	285	36	,	,	PUNCT
easat-10376	285	37	"	"	PUNCT
easat-10376	285	38	advances	advance	NOUN
easat-10376	285	39	in	in	ADP
easat-10376	285	40	neural	neural	ADJ
easat-10376	285	41	information	information	NOUN
easat-10376	285	42	processing	processing	NOUN
easat-10376	285	43	systems	system	NOUN
easat-10376	285	44	,	,	PUNCT
easat-10376	285	45	vol	vol	NOUN
easat-10376	285	46	.	.	PROPN
easat-10376	286	1	34	34	NUM
easat-10376	286	2	,	,	PUNCT
easat-10376	286	3	pp	pp	ADJ
easat-10376	286	4	.	.	PUNCT
easat-10376	287	1	1207712090	1207712090	NUM
easat-10376	287	2	,	,	PUNCT
easat-10376	287	3	2021	2021	NUM
easat-10376	287	4	.	.	PUNCT
easat-10376	288	1	[	[	X
easat-10376	288	2	46	46	NUM
easat-10376	288	3	]	]	X
easat-10376	288	4	g.	g.	PROPN
easat-10376	288	5	okello	okello	PROPN
easat-10376	288	6	candiya	candiya	NOUN
easat-10376	288	7	bongomin	bongomin	PROPN
easat-10376	288	8	and	and	CCONJ
easat-10376	288	9	j.	j.	PROPN
easat-10376	288	10	m.	m.	PROPN
easat-10376	288	11	ntayi	ntayi	ADV
easat-10376	288	12	,	,	PUNCT
easat-10376	288	13	"	"	PUNCT
easat-10376	288	14	mobile	mobile	ADJ
easat-10376	288	15	money	money	NOUN
easat-10376	288	16	adoption	adoption	NOUN
easat-10376	288	17	and	and	CCONJ
easat-10376	288	18	usage	usage	NOUN
easat-10376	288	19	and	and	CCONJ
easat-10376	288	20	financial	financial	ADJ
easat-10376	288	21	inclusion	inclusion	NOUN
easat-10376	288	22	:	:	PUNCT
easat-10376	288	23	mediating	mediate	VERB
easat-10376	288	24	effect	effect	NOUN
easat-10376	288	25	of	of	ADP
easat-10376	288	26	digital	digital	ADJ
easat-10376	288	27	consumer	consumer	NOUN
easat-10376	288	28	protection	protection	NOUN
easat-10376	288	29	,	,	PUNCT
easat-10376	288	30	"	"	PUNCT
easat-10376	288	31	digital	digital	ADJ
easat-10376	288	32	policy	policy	NOUN
easat-10376	288	33	,	,	PUNCT
easat-10376	288	34	regulation	regulation	NOUN
easat-10376	288	35	and	and	CCONJ
easat-10376	288	36	governance	governance	NOUN
easat-10376	288	37	,	,	PUNCT
easat-10376	288	38	vol	vol	NOUN
easat-10376	288	39	.	.	PROPN
easat-10376	289	1	22	22	NUM
easat-10376	289	2	,	,	PUNCT
easat-10376	289	3	no	no	INTJ
easat-10376	289	4	.	.	NOUN
easat-10376	289	5	3	3	NUM
easat-10376	289	6	,	,	PUNCT
easat-10376	289	7	pp	pp	ADJ
easat-10376	289	8	.	.	PUNCT
easat-10376	290	1	157	157	NUM
easat-10376	290	2	-	-	SYM
easat-10376	290	3	176	176	NUM
easat-10376	290	4	,	,	PUNCT
easat-10376	290	5	2020	2020	NUM
easat-10376	290	6	.	.	PUNCT
easat-10376	291	1	https://doi.org/10.1108/dprg-01-2019-0005	https://doi.org/10.1108/dprg-01-2019-0005	PROPN
easat-10376	292	1	[	[	X
easat-10376	292	2	47	47	NUM
easat-10376	292	3	]	]	PUNCT
easat-10376	292	4	j.	j.	PROPN
easat-10376	292	5	f.	f.	PROPN
easat-10376	292	6	hair	hair	PROPN
easat-10376	292	7	,	,	PUNCT
easat-10376	292	8	j.	j.	PROPN
easat-10376	292	9	j.	j.	PROPN
easat-10376	292	10	risher	risher	PROPN
easat-10376	292	11	,	,	PUNCT
easat-10376	292	12	m.	m.	NOUN
easat-10376	292	13	sarstedt	sarstedt	NOUN
easat-10376	292	14	,	,	PUNCT
easat-10376	292	15	and	and	CCONJ
easat-10376	292	16	c.	c.	PROPN
easat-10376	292	17	m.	m.	PROPN
easat-10376	292	18	ringle	ringle	PROPN
easat-10376	292	19	,	,	PUNCT
easat-10376	292	20	"	"	PUNCT
easat-10376	292	21	when	when	SCONJ
easat-10376	292	22	to	to	PART
easat-10376	292	23	use	use	VERB
easat-10376	292	24	and	and	CCONJ
easat-10376	292	25	how	how	SCONJ
easat-10376	292	26	to	to	PART
easat-10376	292	27	report	report	VERB
easat-10376	292	28	the	the	DET
easat-10376	292	29	results	result	NOUN
easat-10376	292	30	of	of	ADP
easat-10376	292	31	pls	pls	NOUN
easat-10376	292	32	-	-	PUNCT
easat-10376	292	33	sem	sem	NOUN
easat-10376	292	34	,	,	PUNCT
easat-10376	292	35	"	"	PUNCT
easat-10376	292	36	european	european	PROPN
easat-10376	292	37	business	business	PROPN
easat-10376	292	38	review	review	PROPN
easat-10376	292	39	,	,	PUNCT
easat-10376	292	40	vol	vol	NOUN
easat-10376	292	41	.	.	PROPN
easat-10376	292	42	31	31	NUM
easat-10376	292	43	,	,	PUNCT
easat-10376	292	44	no	no	INTJ
easat-10376	292	45	.	.	NOUN
easat-10376	292	46	1	1	NUM
easat-10376	292	47	,	,	PUNCT
easat-10376	292	48	pp	pp	ADJ
easat-10376	292	49	.	.	PUNCT
easat-10376	293	1	2	2	NUM
easat-10376	293	2	-	-	SYM
easat-10376	293	3	24	24	NUM
easat-10376	293	4	,	,	PUNCT
easat-10376	293	5	2019	2019	NUM
easat-10376	293	6	.	.	PUNCT
easat-10376	294	1	https://doi.org/10.1108/ebr-11-2018-0203	https://doi.org/10.1108/ebr-11-2018-0203	X
easat-10376	295	1	[	[	X
easat-10376	295	2	48	48	NUM
easat-10376	295	3	]	]	X
easat-10376	295	4	n.	n.	PROPN
easat-10376	295	5	kock	kock	PROPN
easat-10376	295	6	,	,	PUNCT
easat-10376	295	7	"	"	PUNCT
easat-10376	295	8	common	common	ADJ
easat-10376	295	9	method	method	NOUN
easat-10376	295	10	bias	bias	NOUN
easat-10376	295	11	in	in	ADP
easat-10376	295	12	pls	pls	NOUN
easat-10376	295	13	-	-	PUNCT
easat-10376	295	14	sem	sem	NOUN
easat-10376	295	15	:	:	PUNCT
easat-10376	295	16	a	a	DET
easat-10376	295	17	full	full	ADJ
easat-10376	295	18	collinearity	collinearity	NOUN
easat-10376	295	19	assessment	assessment	NOUN
easat-10376	295	20	approach	approach	NOUN
easat-10376	295	21	,	,	PUNCT
easat-10376	295	22	"	"	PUNCT
easat-10376	295	23	international	international	ADJ
easat-10376	295	24	journal	journal	NOUN
easat-10376	295	25	of	of	ADP
easat-10376	295	26	ecollaboration	ecollaboration	NOUN
easat-10376	295	27	,	,	PUNCT
easat-10376	295	28	vol	vol	NOUN
easat-10376	295	29	.	.	PROPN
easat-10376	295	30	11	11	NUM
easat-10376	295	31	,	,	PUNCT
easat-10376	295	32	no	no	INTJ
easat-10376	295	33	.	.	NOUN
easat-10376	295	34	4	4	NUM
easat-10376	295	35	,	,	PUNCT
easat-10376	295	36	pp	pp	ADJ
easat-10376	295	37	.	.	PUNCT
easat-10376	296	1	1	1	NUM
easat-10376	296	2	-	-	SYM
easat-10376	296	3	10	10	NUM
easat-10376	296	4	,	,	PUNCT
easat-10376	296	5	2015	2015	NUM
easat-10376	296	6	.	.	PUNCT
easat-10376	297	1	https://doi.org/10.1186/s40854-021-00259-9	https://doi.org/10.1186/s40854-021-00259-9	PUNCT
easat-10376	298	1	https://doi.org/10.1016/j.bir.2023.10.010	https://doi.org/10.1016/j.bir.2023.10.010	ADP
easat-10376	298	2	https://doi.org/10.1108/jibr-10-2015-0112	https://doi.org/10.1108/jibr-10-2015-0112	PROPN
easat-10376	298	3	https://doi.org/10.1108/ijbm-12-2016-0186	https://doi.org/10.1108/ijbm-12-2016-0186	PROPN
easat-10376	298	4	https://doi.org/10.1016/j.dss.2012.10.034	https://doi.org/10.1016/j.dss.2012.10.034	ADJ
easat-10376	298	5	https://doi.org/10.2307/41410412	https://doi.org/10.2307/41410412	X
easat-10376	298	6	https://doi.org/10.1080/08874417.2022.2093295	https://doi.org/10.1080/08874417.2022.2093295	PROPN
easat-10376	298	7	https://doi.org/10.1108/dprg-01-2019-0005	https://doi.org/10.1108/dprg-01-2019-0005	VERB
easat-10376	298	8	https://doi.org/10.1108/ebr-11-2018-0203	https://doi.org/10.1108/ebr-11-2018-0203	VERB