id	sid	tid	token	lemma	pos
easat-2280	1	1	edelweiss	edelweiss	PROPN
easat-2280	1	2	applied	apply	VERB
easat-2280	1	3	science	science	NOUN
easat-2280	1	4	and	and	CCONJ
easat-2280	1	5	technology	technology	NOUN
easat-2280	1	6	issn	issn	PROPN
easat-2280	1	7	:	:	PUNCT
easat-2280	1	8	2576	2576	NUM
easat-2280	1	9	-	-	SYM
easat-2280	1	10	8484	8484	NUM
easat-2280	1	11	vol	vol	NOUN
easat-2280	1	12	.	.	PROPN
easat-2280	1	13	8	8	NUM
easat-2280	1	14	,	,	PUNCT
easat-2280	1	15	no	no	INTJ
easat-2280	1	16	.	.	NOUN
easat-2280	1	17	6	6	NUM
easat-2280	1	18	,	,	PUNCT
easat-2280	1	19	1577	1577	NUM
easat-2280	1	20	-	-	SYM
easat-2280	1	21	1597	1597	NUM
easat-2280	1	22	2024	2024	NUM
easat-2280	1	23	publisher	publisher	NOUN
easat-2280	1	24	:	:	PUNCT
easat-2280	1	25	learning	learn	VERB
easat-2280	1	26	gate	gate	NOUN
easat-2280	1	27	doi	doi	PROPN
easat-2280	1	28	:	:	PUNCT
easat-2280	1	29	10.55214/25768484.v8i6.2280	10.55214/25768484.v8i6.2280	NUM
easat-2280	1	30	©	©	PROPN
easat-2280	1	31	2024	2024	NUM
easat-2280	1	32	by	by	ADP
easat-2280	1	33	the	the	DET
easat-2280	1	34	authors	author	NOUN
easat-2280	1	35	;	;	PUNCT
easat-2280	1	36	licensee	licensee	PROPN
easat-2280	1	37	learning	learning	NOUN
easat-2280	1	38	gate	gate	NOUN
easat-2280	1	39	©	©	PROPN
easat-2280	1	40	2024	2024	NUM
easat-2280	1	41	by	by	ADP
easat-2280	1	42	the	the	DET
easat-2280	1	43	authors	author	NOUN
easat-2280	1	44	;	;	PUNCT
easat-2280	1	45	licensee	licensee	PROPN
easat-2280	1	46	learning	learn	VERB
easat-2280	1	47	gate	gate	NOUN
easat-2280	1	48	*	*	PUNCT
easat-2280	1	49	correspondence	correspondence	NOUN
easat-2280	1	50	:	:	PUNCT
easat-2280	1	51	duarte1272200001@surel.untag-sby.ac.id	duarte1272200001@surel.untag-sby.ac.id	PROPN
easat-2280	1	52	the	the	DET
easat-2280	1	53	influence	influence	NOUN
easat-2280	1	54	of	of	ADP
easat-2280	1	55	financial	financial	ADJ
easat-2280	1	56	technology	technology	NOUN
easat-2280	1	57	,	,	PUNCT
easat-2280	1	58	personality	personality	NOUN
easat-2280	1	59	traits	trait	NOUN
easat-2280	1	60	,	,	PUNCT
easat-2280	1	61	and	and	CCONJ
easat-2280	1	62	financial	financial	ADJ
easat-2280	1	63	literacy	literacy	NOUN
easat-2280	1	64	on	on	ADP
easat-2280	1	65	financial	financial	ADJ
easat-2280	1	66	attitude	attitude	NOUN
easat-2280	1	67	,	,	PUNCT
easat-2280	1	68	personal	personal	ADJ
easat-2280	1	69	saving	saving	NOUN
easat-2280	1	70	orientation	orientation	NOUN
easat-2280	1	71	,	,	PUNCT
easat-2280	1	72	and	and	CCONJ
easat-2280	1	73	family	family	NOUN
easat-2280	1	74	financial	financial	ADJ
easat-2280	1	75	planning	planning	NOUN
easat-2280	1	76	,	,	PUNCT
easat-2280	1	77	moderated	moderate	VERB
easat-2280	1	78	by	by	ADP
easat-2280	1	79	financial	financial	ADJ
easat-2280	1	80	quotient	quotient	NOUN
easat-2280	1	81	among	among	ADP
easat-2280	1	82	naval	naval	ADJ
easat-2280	1	83	families	family	NOUN
easat-2280	1	84	.	.	PUNCT
easat-2280	2	1	“	"	PUNCT
easat-2280	2	2	a	a	DET
easat-2280	2	3	study	study	NOUN
easat-2280	2	4	of	of	ADP
easat-2280	2	5	hera	hera	PROPN
easat-2280	2	6	naval	naval	PROPN
easat-2280	2	7	base	base	PROPN
easat-2280	2	8	,	,	PUNCT
easat-2280	2	9	timor	timor	PROPN
easat-2280	2	10	-	-	PUNCT
easat-2280	2	11	leste	leste	PROPN
easat-2280	2	12	”	"	PUNCT
easat-2280	2	13	duarte	duarte	PROPN
easat-2280	2	14	borges	borges	PROPN
easat-2280	2	15	loe1	loe1	PROPN
easat-2280	2	16	*	*	PROPN
easat-2280	2	17	,	,	PUNCT
easat-2280	2	18	tri	tri	ADJ
easat-2280	2	19	ratnawati2	ratnawati2	PROPN
easat-2280	2	20	,	,	PUNCT
easat-2280	2	21	ulfi	ulfi	ADJ
easat-2280	2	22	pristiana3	pristiana3	NOUN
easat-2280	2	23	1,2,3faculty	1,2,3faculty	NUM
easat-2280	2	24	of	of	ADP
easat-2280	2	25	economics	economic	NOUN
easat-2280	2	26	and	and	CCONJ
easat-2280	2	27	business	business	NOUN
easat-2280	2	28	,	,	PUNCT
easat-2280	2	29	17	17	NUM
easat-2280	2	30	august	august	PROPN
easat-2280	2	31	1945	1945	NUM
easat-2280	2	32	university	university	PROPN
easat-2280	2	33	of	of	ADP
easat-2280	2	34	surabaya	surabaya	PROPN
easat-2280	2	35	,	,	PUNCT
easat-2280	2	36	indonesia	indonesia	PROPN
easat-2280	2	37	;	;	PUNCT
easat-2280	2	38	duarte1272200001@surel.untagsby.ac.id	duarte1272200001@surel.untagsby.ac.id	NOUN
easat-2280	2	39	(	(	PUNCT
easat-2280	2	40	d.b.l	d.b.l	NOUN
easat-2280	2	41	.	.	PUNCT
easat-2280	2	42	)	)	PUNCT
easat-2280	2	43	triratnawati@untag	triratnawati@untag	NOUN
easat-2280	2	44	-	-	PUNCT
easat-2280	2	45	sby.ac.d	sby.ac.d	NOUN
easat-2280	2	46	(	(	PUNCT
easat-2280	2	47	t.r	t.r	PROPN
easat-2280	2	48	.	.	PROPN
easat-2280	2	49	)	)	PUNCT
easat-2280	3	1	ulfi@untag-sby.ac.id	ulfi@untag-sby.ac.id	NOUN
easat-2280	3	2	(	(	PUNCT
easat-2280	3	3	u.p	u.p	PROPN
easat-2280	3	4	.	.	PROPN
easat-2280	3	5	)	)	PUNCT
easat-2280	3	6	.	.	PUNCT
easat-2280	4	1	abstract	abstract	ADJ
easat-2280	4	2	:	:	PUNCT
easat-2280	4	3	family	family	NOUN
easat-2280	4	4	financial	financial	ADJ
easat-2280	4	5	planning	planning	NOUN
easat-2280	4	6	is	be	AUX
easat-2280	4	7	becoming	become	VERB
easat-2280	4	8	more	more	ADV
easat-2280	4	9	and	and	CCONJ
easat-2280	4	10	more	more	ADV
easat-2280	4	11	crucial	crucial	ADJ
easat-2280	4	12	,	,	PUNCT
easat-2280	4	13	particularly	particularly	ADV
easat-2280	4	14	in	in	ADP
easat-2280	4	15	military	military	ADJ
easat-2280	4	16	environments	environment	NOUN
easat-2280	4	17	where	where	SCONJ
easat-2280	4	18	certain	certain	ADJ
easat-2280	4	19	challenges	challenge	NOUN
easat-2280	4	20	can	can	AUX
easat-2280	4	21	affect	affect	VERB
easat-2280	4	22	financial	financial	ADJ
easat-2280	4	23	habits	habit	NOUN
easat-2280	4	24	.	.	PUNCT
easat-2280	5	1	the	the	DET
easat-2280	5	2	study	study	NOUN
easat-2280	5	3	looks	look	VERB
easat-2280	5	4	at	at	ADP
easat-2280	5	5	moderating	moderate	VERB
easat-2280	5	6	role	role	NOUN
easat-2280	5	7	of	of	ADP
easat-2280	5	8	financial	financial	ADJ
easat-2280	5	9	quotient	quotient	NOUN
easat-2280	5	10	on	on	ADP
easat-2280	5	11	the	the	DET
easat-2280	5	12	correlation	correlation	NOUN
easat-2280	5	13	between	between	ADP
easat-2280	5	14	financial	financial	ADJ
easat-2280	5	15	technology	technology	NOUN
easat-2280	5	16	,	,	PUNCT
easat-2280	5	17	personality	personality	NOUN
easat-2280	5	18	traits	trait	NOUN
easat-2280	5	19	,	,	PUNCT
easat-2280	5	20	and	and	CCONJ
easat-2280	5	21	financial	financial	ADJ
easat-2280	5	22	literacy	literacy	NOUN
easat-2280	5	23	and	and	CCONJ
easat-2280	5	24	family	family	NOUN
easat-2280	5	25	financial	financial	ADJ
easat-2280	5	26	planning	planning	NOUN
easat-2280	5	27	of	of	ADP
easat-2280	5	28	naval	naval	ADJ
easat-2280	5	29	families	family	NOUN
easat-2280	5	30	at	at	ADP
easat-2280	5	31	naval	naval	PROPN
easat-2280	5	32	base	base	PROPN
easat-2280	5	33	hera	hera	PROPN
easat-2280	5	34	.	.	PUNCT
easat-2280	6	1	although	although	SCONJ
easat-2280	6	2	certain	certain	ADJ
easat-2280	6	3	factors	factor	NOUN
easat-2280	6	4	of	of	ADP
easat-2280	6	5	financial	financial	ADJ
easat-2280	6	6	behaviour	behaviour	NOUN
easat-2280	6	7	have	have	AUX
easat-2280	6	8	been	be	AUX
easat-2280	6	9	studied	study	VERB
easat-2280	6	10	before	before	ADV
easat-2280	6	11	,	,	PUNCT
easat-2280	6	12	how	how	SCONJ
easat-2280	6	13	these	these	DET
easat-2280	6	14	factors	factor	NOUN
easat-2280	6	15	are	be	AUX
easat-2280	6	16	interrelated	interrelate	VERB
easat-2280	6	17	within	within	ADP
easat-2280	6	18	military	military	ADJ
easat-2280	6	19	families	family	NOUN
easat-2280	6	20	is	be	AUX
easat-2280	6	21	still	still	ADV
easat-2280	6	22	unclear	unclear	ADJ
easat-2280	6	23	.	.	PUNCT
easat-2280	7	1	this	this	DET
easat-2280	7	2	research	research	NOUN
easat-2280	7	3	seeks	seek	VERB
easat-2280	7	4	to	to	PART
easat-2280	7	5	fill	fill	VERB
easat-2280	7	6	this	this	DET
easat-2280	7	7	gap	gap	NOUN
easat-2280	7	8	by	by	ADP
easat-2280	7	9	employing	employ	VERB
easat-2280	7	10	a	a	DET
easat-2280	7	11	causal	causal	ADJ
easat-2280	7	12	explanatory	explanatory	ADJ
easat-2280	7	13	research	research	NOUN
easat-2280	7	14	method	method	NOUN
easat-2280	7	15	that	that	PRON
easat-2280	7	16	analyze	analyze	VERB
easat-2280	7	17	sources	source	NOUN
easat-2280	7	18	from	from	ADP
easat-2280	7	19	248	248	NUM
easat-2280	7	20	married	married	ADJ
easat-2280	7	21	navy	navy	NOUN
easat-2280	7	22	personnel	personnel	NOUN
easat-2280	7	23	through	through	ADP
easat-2280	7	24	using	use	VERB
easat-2280	7	25	a	a	DET
easat-2280	7	26	structural	structural	ADJ
easat-2280	7	27	equation	equation	NOUN
easat-2280	7	28	modeling	modeling	NOUN
easat-2280	7	29	(	(	PUNCT
easat-2280	7	30	sem	sem	NOUN
easat-2280	7	31	)	)	PUNCT
easat-2280	7	32	approach	approach	NOUN
easat-2280	7	33	with	with	ADP
easat-2280	7	34	smart	smart	ADJ
easat-2280	7	35	pls	pls	NOUN
easat-2280	7	36	.	.	PUNCT
easat-2280	8	1	the	the	DET
easat-2280	8	2	findings	finding	NOUN
easat-2280	8	3	paint	paint	VERB
easat-2280	8	4	a	a	DET
easat-2280	8	5	picture	picture	NOUN
easat-2280	8	6	that	that	SCONJ
easat-2280	8	7	where	where	SCONJ
easat-2280	8	8	fintech	fintech	NOUN
easat-2280	8	9	influences	influence	VERB
easat-2280	8	10	the	the	DET
easat-2280	8	11	financial	financial	ADJ
easat-2280	8	12	behaviours	behaviour	NOUN
easat-2280	8	13	of	of	ADP
easat-2280	8	14	individuals	individual	NOUN
easat-2280	8	15	and	and	CCONJ
easat-2280	8	16	families	family	NOUN
easat-2280	8	17	,	,	PUNCT
easat-2280	8	18	such	such	ADJ
easat-2280	8	19	traits	trait	NOUN
easat-2280	8	20	for	for	ADP
easat-2280	8	21	personality	personality	NOUN
easat-2280	8	22	and	and	CCONJ
easat-2280	8	23	financial	financial	ADJ
easat-2280	8	24	literacy	literacy	NOUN
easat-2280	8	25	inform	inform	VERB
easat-2280	8	26	their	their	PRON
easat-2280	8	27	attitudes	attitude	NOUN
easat-2280	8	28	and	and	CCONJ
easat-2280	8	29	ever	ever	ADV
easat-2280	8	30	financial	financial	ADJ
easat-2280	8	31	planning	planning	NOUN
easat-2280	8	32	.	.	PUNCT
easat-2280	9	1	posted	post	VERB
easat-2280	9	2	here	here	ADV
easat-2280	9	3	,	,	PUNCT
easat-2280	9	4	it	it	PRON
easat-2280	9	5	is	be	AUX
easat-2280	9	6	revealed	reveal	VERB
easat-2280	9	7	that	that	SCONJ
easat-2280	9	8	financial	financial	ADJ
easat-2280	9	9	quotients	quotient	NOUN
easat-2280	9	10	have	have	VERB
easat-2280	9	11	a	a	DET
easat-2280	9	12	moderate	moderate	ADJ
easat-2280	9	13	influence	influence	NOUN
easat-2280	9	14	on	on	ADP
easat-2280	9	15	the	the	DET
easat-2280	9	16	results	result	NOUN
easat-2280	9	17	of	of	ADP
easat-2280	9	18	family	family	NOUN
easat-2280	9	19	financial	financial	ADJ
easat-2280	9	20	planning	planning	NOUN
easat-2280	9	21	.	.	PUNCT
easat-2280	10	1	thus	thus	ADV
easat-2280	10	2	,	,	PUNCT
easat-2280	10	3	this	this	DET
easat-2280	10	4	research	research	NOUN
easat-2280	10	5	highlights	highlight	VERB
easat-2280	10	6	the	the	DET
easat-2280	10	7	need	need	NOUN
easat-2280	10	8	to	to	PART
easat-2280	10	9	design	design	VERB
easat-2280	10	10	and	and	CCONJ
easat-2280	10	11	implement	implement	VERB
easat-2280	10	12	financial	financial	ADJ
easat-2280	10	13	education	education	NOUN
easat-2280	10	14	interventions	intervention	NOUN
easat-2280	10	15	that	that	PRON
easat-2280	10	16	incorporate	incorporate	VERB
easat-2280	10	17	technology	technology	NOUN
easat-2280	10	18	support	support	NOUN
easat-2280	10	19	and	and	CCONJ
easat-2280	10	20	improve	improve	VERB
easat-2280	10	21	the	the	DET
easat-2280	10	22	financial	financial	ADJ
easat-2280	10	23	literacy	literacy	NOUN
easat-2280	10	24	of	of	ADP
easat-2280	10	25	naval	naval	ADJ
easat-2280	10	26	officers	officer	NOUN
easat-2280	10	27	with	with	ADP
easat-2280	10	28	policy	policy	NOUN
easat-2280	10	29	implication	implication	NOUN
easat-2280	10	30	for	for	ADP
easat-2280	10	31	the	the	DET
easat-2280	10	32	authorities	authority	NOUN
easat-2280	10	33	as	as	ADV
easat-2280	10	34	well	well	ADV
easat-2280	10	35	as	as	ADP
easat-2280	10	36	other	other	ADJ
easat-2280	10	37	denominations	denomination	NOUN
easat-2280	10	38	in	in	ADP
easat-2280	10	39	the	the	DET
easat-2280	10	40	teaching	teaching	NOUN
easat-2280	10	41	of	of	ADP
easat-2280	10	42	financial	financial	ADJ
easat-2280	10	43	education	education	NOUN
easat-2280	10	44	.	.	PUNCT
easat-2280	11	1	this	this	DET
easat-2280	11	2	research	research	NOUN
easat-2280	11	3	fills	fill	VERB
easat-2280	11	4	this	this	DET
easat-2280	11	5	gap	gap	NOUN
easat-2280	11	6	making	make	VERB
easat-2280	11	7	a	a	DET
easat-2280	11	8	positive	positive	ADJ
easat-2280	11	9	contribution	contribution	NOUN
easat-2280	11	10	in	in	ADP
easat-2280	11	11	the	the	DET
easat-2280	11	12	understanding	understanding	NOUN
easat-2280	11	13	of	of	ADP
easat-2280	11	14	financial	financial	ADJ
easat-2280	11	15	management	management	NOUN
easat-2280	11	16	in	in	ADP
easat-2280	11	17	military	military	ADJ
easat-2280	11	18	environment	environment	NOUN
easat-2280	11	19	hence	hence	ADV
easat-2280	11	20	contributing	contribute	VERB
easat-2280	11	21	to	to	ADP
easat-2280	11	22	the	the	DET
easat-2280	11	23	informing	informing	NOUN
easat-2280	11	24	of	of	ADP
easat-2280	11	25	policies	policy	NOUN
easat-2280	11	26	that	that	PRON
easat-2280	11	27	foster	foster	VERB
easat-2280	11	28	better	well	ADJ
easat-2280	11	29	financial	financial	ADJ
easat-2280	11	30	stability	stability	NOUN
easat-2280	11	31	and	and	CCONJ
easat-2280	11	32	well	well	ADV
easat-2280	11	33	-	-	PUNCT
easat-2280	11	34	being	being	NOUN
easat-2280	11	35	of	of	ADP
easat-2280	11	36	families	family	NOUN
easat-2280	11	37	of	of	ADP
easat-2280	11	38	soldiers	soldier	NOUN
easat-2280	11	39	serving	serve	VERB
easat-2280	11	40	in	in	ADP
easat-2280	11	41	the	the	DET
easat-2280	11	42	navy	navy	NOUN
easat-2280	11	43	.	.	PUNCT
easat-2280	12	1	keywords	keyword	NOUN
easat-2280	12	2	:	:	PUNCT
easat-2280	12	3	financial	financial	ADJ
easat-2280	12	4	literacy	literacy	NOUN
easat-2280	12	5	,	,	PUNCT
easat-2280	12	6	financial	financial	ADJ
easat-2280	12	7	planning	planning	NOUN
easat-2280	12	8	,	,	PUNCT
easat-2280	12	9	financial	financial	ADJ
easat-2280	12	10	quotient	quotient	NOUN
easat-2280	12	11	,	,	PUNCT
easat-2280	12	12	financial	financial	ADJ
easat-2280	12	13	technology	technology	NOUN
easat-2280	12	14	,	,	PUNCT
easat-2280	12	15	military	military	ADJ
easat-2280	12	16	families	family	NOUN
easat-2280	12	17	,	,	PUNCT
easat-2280	12	18	personality	personality	NOUN
easat-2280	12	19	traits	trait	NOUN
easat-2280	12	20	.	.	PUNCT
easat-2280	13	1	1	1	X
easat-2280	13	2	.	.	X
easat-2280	13	3	introduction	introduction	NOUN
easat-2280	13	4	in	in	ADP
easat-2280	13	5	a	a	DET
easat-2280	13	6	time	time	NOUN
easat-2280	13	7	when	when	SCONJ
easat-2280	13	8	the	the	DET
easat-2280	13	9	notions	notion	NOUN
easat-2280	13	10	of	of	ADP
easat-2280	13	11	fintech	fintech	NOUN
easat-2280	13	12	is	be	AUX
easat-2280	13	13	significantly	significantly	ADV
easat-2280	13	14	shifting	shift	VERB
easat-2280	13	15	the	the	DET
easat-2280	13	16	approach	approach	NOUN
easat-2280	13	17	to	to	ADP
easat-2280	13	18	personal	personal	ADJ
easat-2280	13	19	finance	finance	NOUN
easat-2280	13	20	,	,	PUNCT
easat-2280	13	21	it	it	PRON
easat-2280	13	22	is	be	AUX
easat-2280	13	23	important	important	ADJ
easat-2280	13	24	to	to	PART
easat-2280	13	25	consider	consider	VERB
easat-2280	13	26	its	its	PRON
easat-2280	13	27	impacts	impact	NOUN
easat-2280	13	28	to	to	ADP
easat-2280	13	29	financial	financial	ADJ
easat-2280	13	30	literacy	literacy	NOUN
easat-2280	13	31	and	and	CCONJ
easat-2280	13	32	planning	planning	NOUN
easat-2280	13	33	(	(	PUNCT
easat-2280	13	34	li	li	PROPN
easat-2280	13	35	&	&	CCONJ
easat-2280	13	36	xu	xu	PROPN
easat-2280	13	37	,	,	PUNCT
easat-2280	13	38	2021	2021	NUM
easat-2280	13	39	)	)	PUNCT
easat-2280	13	40	,	,	PUNCT
easat-2280	13	41	(	(	PUNCT
easat-2280	13	42	harsono	harsono	PROPN
easat-2280	13	43	&	&	CCONJ
easat-2280	13	44	suprapti	suprapti	PROPN
easat-2280	13	45	,	,	PUNCT
easat-2280	13	46	2024	2024	NUM
easat-2280	13	47	)	)	PUNCT
easat-2280	13	48	.	.	PUNCT
easat-2280	14	1	it	it	PRON
easat-2280	14	2	has	have	AUX
easat-2280	14	3	been	be	AUX
easat-2280	14	4	seen	see	VERB
easat-2280	14	5	that	that	SCONJ
easat-2280	14	6	not	not	PART
easat-2280	14	7	only	only	ADV
easat-2280	14	8	has	have	AUX
easat-2280	14	9	the	the	DET
easat-2280	14	10	financing	financing	NOUN
easat-2280	14	11	been	be	AUX
easat-2280	14	12	changed	change	VERB
easat-2280	14	13	with	with	ADP
easat-2280	14	14	the	the	DET
easat-2280	14	15	help	help	NOUN
easat-2280	14	16	of	of	ADP
easat-2280	14	17	digital	digital	ADJ
easat-2280	14	18	media	medium	NOUN
easat-2280	14	19	and	and	CCONJ
easat-2280	14	20	applications	application	NOUN
easat-2280	14	21	but	but	CCONJ
easat-2280	14	22	also	also	ADV
easat-2280	14	23	the	the	DET
easat-2280	14	24	attitudes	attitude	NOUN
easat-2280	14	25	and	and	CCONJ
easat-2280	14	26	beliefs	belief	NOUN
easat-2280	14	27	towards	towards	ADP
easat-2280	14	28	financing	financing	NOUN
easat-2280	14	29	(	(	PUNCT
easat-2280	14	30	héroux	héroux	NOUN
easat-2280	14	31	-	-	PUNCT
easat-2280	14	32	vaillancourt	vaillancourt	NOUN
easat-2280	14	33	et	et	NOUN
easat-2280	14	34	al	al	PROPN
easat-2280	14	35	.	.	PROPN
easat-2280	14	36	,	,	PUNCT
easat-2280	14	37	2020	2020	NUM
easat-2280	14	38	)	)	PUNCT
easat-2280	14	39	.	.	PUNCT
easat-2280	15	1	this	this	PRON
easat-2280	15	2	especially	especially	ADV
easat-2280	15	3	holds	hold	VERB
easat-2280	15	4	for	for	ADP
easat-2280	15	5	families	family	NOUN
easat-2280	15	6	as	as	SCONJ
easat-2280	15	7	the	the	DET
easat-2280	15	8	competent	competent	ADJ
easat-2280	15	9	utilization	utilization	NOUN
easat-2280	15	10	of	of	ADP
easat-2280	15	11	the	the	DET
easat-2280	15	12	available	available	ADJ
easat-2280	15	13	products	product	NOUN
easat-2280	15	14	is	be	AUX
easat-2280	15	15	critical	critical	ADJ
easat-2280	15	16	in	in	ADP
easat-2280	15	17	sustaining	sustain	VERB
easat-2280	15	18	adequate	adequate	ADJ
easat-2280	15	19	financial	financial	ADJ
easat-2280	15	20	performances	performance	NOUN
easat-2280	15	21	and	and	CCONJ
easat-2280	15	22	creating	create	VERB
easat-2280	15	23	the	the	DET
easat-2280	15	24	proper	proper	ADJ
easat-2280	15	25	conditions	condition	NOUN
easat-2280	15	26	for	for	ADP
easat-2280	15	27	a	a	DET
easat-2280	15	28	stable	stable	ADJ
easat-2280	15	29	financial	financial	ADJ
easat-2280	15	30	future	future	NOUN
easat-2280	15	31	(	(	PUNCT
easat-2280	15	32	zhang	zhang	PROPN
easat-2280	15	33	et	et	PROPN
easat-2280	15	34	al	al	PROPN
easat-2280	15	35	.	.	PROPN
easat-2280	15	36	,	,	PUNCT
easat-2280	15	37	2022	2022	NUM
easat-2280	15	38	)	)	PUNCT
easat-2280	15	39	.	.	PUNCT
easat-2280	16	1	the	the	DET
easat-2280	16	2	understanding	understanding	NOUN
easat-2280	16	3	of	of	ADP
easat-2280	16	4	such	such	ADJ
easat-2280	16	5	factor	factor	NOUN
easat-2280	16	6	of	of	ADP
easat-2280	16	7	financial	financial	ADJ
easat-2280	16	8	risks	risk	NOUN
easat-2280	16	9	and	and	CCONJ
easat-2280	16	10	opportunities	opportunity	NOUN
easat-2280	16	11	in	in	ADP
easat-2280	16	12	relation	relation	NOUN
easat-2280	16	13	naval	naval	ADJ
easat-2280	16	14	personnel	personnel	NOUN
easat-2280	16	15	and	and	CCONJ
easat-2280	16	16	their	their	PRON
easat-2280	16	17	families	family	NOUN
easat-2280	16	18	like	like	ADP
easat-2280	16	19	those	those	PRON
easat-2280	16	20	in	in	ADP
easat-2280	16	21	hera	hera	PROPN
easat-2280	16	22	naval	naval	PROPN
easat-2280	16	23	base	base	PROPN
easat-2280	16	24	point	point	NOUN
easat-2280	16	25	to	to	ADP
easat-2280	16	26	the	the	DET
easat-2280	16	27	necessity	necessity	NOUN
easat-2280	16	28	of	of	ADP
easat-2280	16	29	special	special	ADJ
easat-2280	16	30	focus	focus	NOUN
easat-2280	16	31	towards	towards	ADP
easat-2280	16	32	these	these	DET
easat-2280	16	33	issues	issue	NOUN
easat-2280	16	34	.	.	PUNCT
easat-2280	17	1	the	the	DET
easat-2280	17	2	particular	particular	ADJ
easat-2280	17	3	concern	concern	NOUN
easat-2280	17	4	of	of	ADP
easat-2280	17	5	this	this	DET
easat-2280	17	6	study	study	NOUN
easat-2280	17	7	is	be	AUX
easat-2280	17	8	to	to	PART
easat-2280	17	9	focus	focus	VERB
easat-2280	17	10	on	on	ADP
easat-2280	17	11	defining	define	VERB
easat-2280	17	12	the	the	DET
easat-2280	17	13	key	key	ADJ
easat-2280	17	14	factors	factor	NOUN
easat-2280	17	15	that	that	PRON
easat-2280	17	16	shape	shape	VERB
easat-2280	17	17	the	the	DET
easat-2280	17	18	financial	financial	ADJ
easat-2280	17	19	attitudes	attitude	NOUN
easat-2280	17	20	of	of	ADP
easat-2280	17	21	naval	naval	ADJ
easat-2280	17	22	personnel	personnel	NOUN
easat-2280	17	23	attached	attach	VERB
easat-2280	17	24	to	to	ADP
easat-2280	17	25	the	the	DET
easat-2280	17	26	hera	hera	PROPN
easat-2280	17	27	naval	naval	PROPN
easat-2280	17	28	base	base	PROPN
easat-2280	17	29	which	which	PRON
easat-2280	17	30	allege	allege	VERB
easat-2280	17	31	to	to	ADP
easat-2280	17	32	the	the	DET
easat-2280	17	33	financial	financial	ADJ
easat-2280	17	34	technology	technology	NOUN
easat-2280	17	35	,	,	PUNCT
easat-2280	17	36	personal	personal	ADJ
easat-2280	17	37	traits	trait	NOUN
easat-2280	17	38	,	,	PUNCT
easat-2280	17	39	and	and	CCONJ
easat-2280	17	40	the	the	DET
easat-2280	17	41	financial	financial	ADJ
easat-2280	17	42	literacy	literacy	NOUN
easat-2280	17	43	on	on	ADP
easat-2280	17	44	their	their	PRON
easat-2280	17	45	case	case	NOUN
easat-2280	17	46	as	as	ADP
easat-2280	17	47	a	a	DET
easat-2280	17	48	potential	potential	ADJ
easat-2280	17	49	instrument	instrument	NOUN
easat-2280	17	50	to	to	PART
easat-2280	17	51	assess	assess	VERB
easat-2280	17	52	the	the	DET
easat-2280	17	53	1578	1578	NUM
easat-2280	17	54	edelweiss	edelweiss	PROPN
easat-2280	17	55	applied	apply	VERB
easat-2280	17	56	science	science	NOUN
easat-2280	17	57	and	and	CCONJ
easat-2280	17	58	technology	technology	NOUN
easat-2280	17	59	issn	issn	PROPN
easat-2280	17	60	:	:	PUNCT
easat-2280	17	61	2576	2576	NUM
easat-2280	17	62	-	-	SYM
easat-2280	17	63	8484	8484	NUM
easat-2280	17	64	vol	vol	NOUN
easat-2280	17	65	.	.	PROPN
easat-2280	18	1	8	8	NUM
easat-2280	18	2	,	,	PUNCT
easat-2280	18	3	no	no	INTJ
easat-2280	18	4	.	.	NOUN
easat-2280	18	5	6	6	NUM
easat-2280	18	6	:	:	SYM
easat-2280	18	7	1577	1577	NUM
easat-2280	18	8	-	-	SYM
easat-2280	18	9	1597	1597	NUM
easat-2280	18	10	,	,	PUNCT
easat-2280	18	11	2024	2024	NUM
easat-2280	18	12	doi	doi	NOUN
easat-2280	18	13	:	:	PUNCT
easat-2280	18	14	10.55214/25768484.v8i6.2280	10.55214/25768484.v8i6.2280	NUM
easat-2280	18	15	©	©	PROPN
easat-2280	18	16	2024	2024	NUM
easat-2280	18	17	by	by	ADP
easat-2280	18	18	the	the	DET
easat-2280	18	19	authors	author	NOUN
easat-2280	18	20	;	;	PUNCT
easat-2280	18	21	licensee	licensee	PROPN
easat-2280	18	22	learning	learn	VERB
easat-2280	18	23	gate	gate	PROPN
easat-2280	18	24	contribution	contribution	NOUN
easat-2280	18	25	of	of	ADP
easat-2280	18	26	the	the	DET
easat-2280	18	27	above	above	ADJ
easat-2280	18	28	factors	factor	NOUN
easat-2280	18	29	to	to	ADP
easat-2280	18	30	the	the	DET
easat-2280	18	31	processes	process	NOUN
easat-2280	18	32	of	of	ADP
easat-2280	18	33	the	the	DET
easat-2280	18	34	family	family	NOUN
easat-2280	18	35	financial	financial	ADJ
easat-2280	18	36	planning	planning	NOUN
easat-2280	18	37	.	.	PUNCT
easat-2280	19	1	these	these	DET
easat-2280	19	2	families	family	NOUN
easat-2280	19	3	are	be	AUX
easat-2280	19	4	known	know	VERB
easat-2280	19	5	to	to	PART
easat-2280	19	6	have	have	VERB
easat-2280	19	7	specific	specific	ADJ
easat-2280	19	8	financial	financial	ADJ
easat-2280	19	9	stressors	stressor	NOUN
easat-2280	19	10	most	most	ADJ
easat-2280	19	11	of	of	ADP
easat-2280	19	12	which	which	PRON
easat-2280	19	13	arise	arise	VERB
easat-2280	19	14	from	from	ADP
easat-2280	19	15	the	the	DET
easat-2280	19	16	nature	nature	NOUN
easat-2280	19	17	of	of	ADP
easat-2280	19	18	the	the	DET
easat-2280	19	19	military	military	ADJ
easat-2280	19	20	life	life	NOUN
easat-2280	19	21	such	such	ADJ
easat-2280	19	22	as	as	ADP
easat-2280	19	23	change	change	NOUN
easat-2280	19	24	of	of	ADP
easat-2280	19	25	station	station	NOUN
easat-2280	19	26	and	and	CCONJ
easat-2280	19	27	or	or	CCONJ
easat-2280	19	28	unpredictability	unpredictability	NOUN
easat-2280	19	29	of	of	ADP
easat-2280	19	30	income	income	NOUN
easat-2280	19	31	.	.	PUNCT
easat-2280	20	1	thus	thus	ADV
easat-2280	20	2	,	,	PUNCT
easat-2280	20	3	knowing	know	VERB
easat-2280	20	4	how	how	SCONJ
easat-2280	20	5	these	these	DET
easat-2280	20	6	factors	factor	NOUN
easat-2280	20	7	are	be	AUX
easat-2280	20	8	interrelated	interrelate	VERB
easat-2280	20	9	to	to	PART
easat-2280	20	10	affect	affect	VERB
easat-2280	20	11	financial	financial	ADJ
easat-2280	20	12	behaviour	behaviour	NOUN
easat-2280	20	13	is	be	AUX
easat-2280	20	14	crucial	crucial	ADJ
easat-2280	20	15	for	for	ADP
easat-2280	20	16	designing	design	VERB
easat-2280	20	17	proper	proper	ADJ
easat-2280	20	18	financial	financial	ADJ
easat-2280	20	19	literacy	literacy	NOUN
easat-2280	20	20	and	and	CCONJ
easat-2280	20	21	intervention	intervention	NOUN
easat-2280	20	22	strategies	strategy	NOUN
easat-2280	20	23	.	.	PUNCT
easat-2280	21	1	in	in	ADP
easat-2280	21	2	yaklaşıkation	yaklaşıkation	NOUN
easat-2280	21	3	,	,	PUNCT
easat-2280	21	4	even	even	ADV
easat-2280	21	5	though	though	SCONJ
easat-2280	21	6	there	there	PRON
easat-2280	21	7	are	be	VERB
easat-2280	21	8	increasingly	increasingly	ADV
easat-2280	21	9	numerous	numerous	ADJ
easat-2280	21	10	scholarly	scholarly	ADJ
easat-2280	21	11	studies	study	NOUN
easat-2280	21	12	that	that	PRON
easat-2280	21	13	examined	examine	VERB
easat-2280	21	14	the	the	DET
easat-2280	21	15	phenomenon	phenomenon	NOUN
easat-2280	21	16	of	of	ADP
easat-2280	21	17	financial	financial	ADJ
easat-2280	21	18	technology	technology	NOUN
easat-2280	21	19	and	and	CCONJ
easat-2280	21	20	its	its	PRON
easat-2280	21	21	impact	impact	NOUN
easat-2280	21	22	on	on	ADP
easat-2280	21	23	financial	financial	ADJ
easat-2280	21	24	behaviors	behavior	NOUN
easat-2280	21	25	,	,	PUNCT
easat-2280	21	26	there	there	PRON
easat-2280	21	27	is	be	VERB
easat-2280	21	28	still	still	ADV
easat-2280	21	29	a	a	DET
easat-2280	21	30	research	research	NOUN
easat-2280	21	31	gap	gap	NOUN
easat-2280	21	32	on	on	ADP
easat-2280	21	33	the	the	DET
easat-2280	21	34	subject	subject	NOUN
easat-2280	21	35	of	of	ADP
easat-2280	21	36	family	family	NOUN
easat-2280	21	37	financial	financial	ADJ
easat-2280	21	38	planning	planning	NOUN
easat-2280	21	39	especially	especially	ADV
easat-2280	21	40	for	for	ADP
easat-2280	21	41	the	the	DET
easat-2280	21	42	military	military	ADJ
easat-2280	21	43	families	family	NOUN
easat-2280	21	44	(	(	PUNCT
easat-2280	21	45	military	military	NOUN
easat-2280	21	46	&	&	CCONJ
easat-2280	21	47	veteran	veteran	PROPN
easat-2280	21	48	family	family	PROPN
easat-2280	21	49	financial	financial	ADJ
easat-2280	21	50	readiness	readiness	NOUN
easat-2280	21	51	,	,	PUNCT
easat-2280	21	52	2023);(bi	2023);(bi	NUM
easat-2280	21	53	et	et	NOUN
easat-2280	21	54	al	al	PROPN
easat-2280	21	55	.	.	PROPN
easat-2280	21	56	,	,	PUNCT
easat-2280	21	57	2021);(tarawneh	2021);(tarawneh	NUM
easat-2280	21	58	et	et	PROPN
easat-2280	21	59	al	al	PROPN
easat-2280	21	60	.	.	PROPN
easat-2280	21	61	,	,	PUNCT
easat-2280	21	62	2024	2024	NUM
easat-2280	21	63	)	)	PUNCT
easat-2280	21	64	.	.	PUNCT
easat-2280	22	1	earlier	early	ADJ
easat-2280	22	2	works	work	NOUN
easat-2280	22	3	have	have	AUX
easat-2280	22	4	centered	center	VERB
easat-2280	22	5	on	on	ADP
easat-2280	22	6	analyzing	analyze	VERB
easat-2280	22	7	single	single	ADJ
easat-2280	22	8	person	person	NOUN
easat-2280	22	9	’s	’s	PART
easat-2280	22	10	behaviour	behaviour	NOUN
easat-2280	22	11	without	without	ADP
easat-2280	22	12	taking	take	VERB
easat-2280	22	13	time	time	NOUN
easat-2280	22	14	to	to	PART
easat-2280	22	15	consider	consider	VERB
easat-2280	22	16	the	the	DET
easat-2280	22	17	dynamics	dynamic	NOUN
easat-2280	22	18	of	of	ADP
easat-2280	22	19	family	family	NOUN
easat-2280	22	20	’s	’s	PART
easat-2280	22	21	financial	financial	ADJ
easat-2280	22	22	behaviours	behaviour	NOUN
easat-2280	22	23	.	.	PUNCT
easat-2280	23	1	also	also	ADV
easat-2280	23	2	,	,	PUNCT
easat-2280	23	3	there	there	PRON
easat-2280	23	4	is	be	VERB
easat-2280	23	5	an	an	DET
easat-2280	23	6	issue	issue	NOUN
easat-2280	23	7	of	of	ADP
easat-2280	23	8	the	the	DET
easat-2280	23	9	moderating	moderate	VERB
easat-2280	23	10	effect	effect	NOUN
easat-2280	23	11	of	of	ADP
easat-2280	23	12	financial	financial	ADJ
easat-2280	23	13	quotient	quotient	NOUN
easat-2280	23	14	in	in	ADP
easat-2280	23	15	this	this	DET
easat-2280	23	16	relationship	relationship	NOUN
easat-2280	23	17	that	that	PRON
easat-2280	23	18	has	have	AUX
easat-2280	23	19	not	not	PART
easat-2280	23	20	been	be	AUX
easat-2280	23	21	well	well	ADV
easat-2280	23	22	investigated	investigate	VERB
easat-2280	23	23	.	.	PUNCT
easat-2280	24	1	to	to	ADP
easat-2280	24	2	this	this	DET
easat-2280	24	3	end	end	NOUN
easat-2280	24	4	,	,	PUNCT
easat-2280	24	5	this	this	DET
easat-2280	24	6	research	research	NOUN
easat-2280	24	7	seeks	seek	VERB
easat-2280	24	8	to	to	PART
easat-2280	24	9	find	find	VERB
easat-2280	24	10	out	out	ADP
easat-2280	24	11	the	the	DET
easat-2280	24	12	following	following	NOUN
easat-2280	24	13	:	:	PUNCT
easat-2280	24	14	the	the	DET
easat-2280	24	15	role	role	NOUN
easat-2280	24	16	of	of	ADP
easat-2280	24	17	financial	financial	ADJ
easat-2280	24	18	technology	technology	NOUN
easat-2280	24	19	,	,	PUNCT
easat-2280	24	20	personal	personal	ADJ
easat-2280	24	21	trait	trait	NOUN
easat-2280	24	22	,	,	PUNCT
easat-2280	24	23	and	and	CCONJ
easat-2280	24	24	financial	financial	ADJ
easat-2280	24	25	literacy	literacy	NOUN
easat-2280	24	26	while	while	SCONJ
easat-2280	24	27	developing	develop	VERB
easat-2280	24	28	the	the	DET
easat-2280	24	29	manner	manner	NOUN
easat-2280	24	30	in	in	ADP
easat-2280	24	31	which	which	PRON
easat-2280	24	32	individuals	individual	NOUN
easat-2280	24	33	and	and	CCONJ
easat-2280	24	34	families	family	NOUN
easat-2280	24	35	approach	approach	VERB
easat-2280	24	36	their	their	PRON
easat-2280	24	37	financial	financial	ADJ
easat-2280	24	38	plans	plan	NOUN
easat-2280	24	39	with	with	ADP
easat-2280	24	40	context	context	NOUN
easat-2280	24	41	to	to	ADP
easat-2280	24	42	the	the	DET
easat-2280	24	43	moderating	moderate	VERB
easat-2280	24	44	role	role	NOUN
easat-2280	24	45	of	of	ADP
easat-2280	24	46	financial	financial	ADJ
easat-2280	24	47	quotient	quotient	NOUN
easat-2280	24	48	.	.	PUNCT
easat-2280	25	1	the	the	DET
easat-2280	25	2	contribution	contribution	NOUN
easat-2280	25	3	of	of	ADP
easat-2280	25	4	this	this	DET
easat-2280	25	5	research	research	NOUN
easat-2280	25	6	is	be	AUX
easat-2280	25	7	that	that	SCONJ
easat-2280	25	8	it	it	PRON
easat-2280	25	9	is	be	AUX
easat-2280	25	10	among	among	ADP
easat-2280	25	11	the	the	DET
easat-2280	25	12	first	first	ADJ
easat-2280	25	13	to	to	PART
easat-2280	25	14	take	take	VERB
easat-2280	25	15	a	a	DET
easat-2280	25	16	multi	multi	ADJ
easat-2280	25	17	-	-	ADJ
easat-2280	25	18	faceted	faceted	ADJ
easat-2280	25	19	perspective	perspective	NOUN
easat-2280	25	20	on	on	ADP
easat-2280	25	21	financial	financial	ADJ
easat-2280	25	22	behavior	behavior	NOUN
easat-2280	25	23	and	and	CCONJ
easat-2280	25	24	planning	planning	NOUN
easat-2280	25	25	within	within	ADP
easat-2280	25	26	a	a	DET
easat-2280	25	27	particular	particular	ADJ
easat-2280	25	28	population	population	NOUN
easat-2280	25	29	group	group	NOUN
easat-2280	25	30	.	.	PUNCT
easat-2280	26	1	therefore	therefore	ADV
easat-2280	26	2	,	,	PUNCT
easat-2280	26	3	this	this	DET
easat-2280	26	4	study	study	NOUN
easat-2280	26	5	will	will	AUX
easat-2280	26	6	be	be	AUX
easat-2280	26	7	helpful	helpful	ADJ
easat-2280	26	8	to	to	ADP
easat-2280	26	9	decipher	decipher	VERB
easat-2280	26	10	the	the	DET
easat-2280	26	11	complicated	complicated	ADJ
easat-2280	26	12	relationship	relationship	NOUN
easat-2280	26	13	between	between	ADP
easat-2280	26	14	financial	financial	ADJ
easat-2280	26	15	technology	technology	NOUN
easat-2280	26	16	,	,	PUNCT
easat-2280	26	17	personality	personality	NOUN
easat-2280	26	18	trait	trait	NOUN
easat-2280	26	19	and	and	CCONJ
easat-2280	26	20	financial	financial	ADJ
easat-2280	26	21	literacy	literacy	NOUN
easat-2280	26	22	and	and	CCONJ
easat-2280	26	23	its	its	PRON
easat-2280	26	24	impact	impact	NOUN
easat-2280	26	25	on	on	ADP
easat-2280	26	26	the	the	DET
easat-2280	26	27	financial	financial	ADJ
easat-2280	26	28	planning	planning	NOUN
easat-2280	26	29	of	of	ADP
easat-2280	26	30	naval	naval	ADJ
easat-2280	26	31	families	family	NOUN
easat-2280	26	32	.	.	PUNCT
easat-2280	27	1	moreover	moreover	ADV
easat-2280	27	2	,	,	PUNCT
easat-2280	27	3	it	it	PRON
easat-2280	27	4	also	also	ADV
easat-2280	27	5	discusses	discuss	VERB
easat-2280	27	6	the	the	DET
easat-2280	27	7	significance	significance	NOUN
easat-2280	27	8	of	of	ADP
easat-2280	27	9	the	the	DET
easat-2280	27	10	financial	financial	ADJ
easat-2280	27	11	quotient	quotient	NOUN
easat-2280	27	12	as	as	ADP
easat-2280	27	13	a	a	DET
easat-2280	27	14	moderating	moderate	VERB
easat-2280	27	15	factor	factor	NOUN
easat-2280	27	16	,	,	PUNCT
easat-2280	27	17	provided	provide	VERB
easat-2280	27	18	practical	practical	ADJ
easat-2280	27	19	contributions	contribution	NOUN
easat-2280	27	20	with	with	ADP
easat-2280	27	21	the	the	DET
easat-2280	27	22	latest	late	ADJ
easat-2280	27	23	knowledge	knowledge	NOUN
easat-2280	27	24	on	on	ADP
easat-2280	27	25	how	how	SCONJ
easat-2280	27	26	families	family	NOUN
easat-2280	27	27	can	can	AUX
easat-2280	27	28	handle	handle	VERB
easat-2280	27	29	their	their	PRON
easat-2280	27	30	financial	financial	ADJ
easat-2280	27	31	environments	environment	NOUN
easat-2280	27	32	more	more	ADV
easat-2280	27	33	effectively	effectively	ADV
easat-2280	27	34	.	.	PUNCT
easat-2280	28	1	the	the	DET
easat-2280	28	2	main	main	ADJ
easat-2280	28	3	purpose	purpose	NOUN
easat-2280	28	4	of	of	ADP
easat-2280	28	5	this	this	DET
easat-2280	28	6	paper	paper	NOUN
easat-2280	28	7	is	be	AUX
easat-2280	28	8	to	to	PART
easat-2280	28	9	examine	examine	VERB
easat-2280	28	10	the	the	DET
easat-2280	28	11	interaction	interaction	NOUN
easat-2280	28	12	between	between	ADP
easat-2280	28	13	financial	financial	ADJ
easat-2280	28	14	technology	technology	NOUN
easat-2280	28	15	,	,	PUNCT
easat-2280	28	16	personality	personality	NOUN
easat-2280	28	17	trait	trait	NOUN
easat-2280	28	18	,	,	PUNCT
easat-2280	28	19	financial	financial	ADJ
easat-2280	28	20	literacy	literacy	NOUN
easat-2280	28	21	,	,	PUNCT
easat-2280	28	22	and	and	CCONJ
easat-2280	28	23	their	their	PRON
easat-2280	28	24	outcomes	outcome	NOUN
easat-2280	28	25	on	on	ADP
easat-2280	28	26	naval	naval	ADJ
easat-2280	28	27	families	family	NOUN
easat-2280	28	28	’	’	PART
easat-2280	28	29	financial	financial	ADJ
easat-2280	28	30	perceptions	perception	NOUN
easat-2280	28	31	and	and	CCONJ
easat-2280	28	32	their	their	PRON
easat-2280	28	33	financial	financial	ADJ
easat-2280	28	34	planning	planning	NOUN
easat-2280	28	35	in	in	ADP
easat-2280	28	36	the	the	DET
easat-2280	28	37	hera	hera	PROPN
easat-2280	28	38	naval	naval	PROPN
easat-2280	28	39	base	base	NOUN
easat-2280	28	40	.	.	PUNCT
easat-2280	29	1	to	to	PART
easat-2280	29	2	achieve	achieve	VERB
easat-2280	29	3	this	this	PRON
easat-2280	29	4	,	,	PUNCT
easat-2280	29	5	the	the	DET
easat-2280	29	6	research	research	NOUN
easat-2280	29	7	poses	pose	VERB
easat-2280	29	8	several	several	ADJ
easat-2280	29	9	key	key	ADJ
easat-2280	29	10	questions	question	NOUN
easat-2280	29	11	:	:	PUNCT
easat-2280	29	12	even	even	ADV
easat-2280	29	13	though	though	SCONJ
easat-2280	29	14	it	it	PRON
easat-2280	29	15	is	be	AUX
easat-2280	29	16	difficult	difficult	ADJ
easat-2280	29	17	to	to	PART
easat-2280	29	18	show	show	VERB
easat-2280	29	19	the	the	DET
easat-2280	29	20	definite	definite	ADJ
easat-2280	29	21	impact	impact	NOUN
easat-2280	29	22	,	,	PUNCT
easat-2280	29	23	we	we	PRON
easat-2280	29	24	need	need	VERB
easat-2280	29	25	to	to	PART
easat-2280	29	26	find	find	VERB
easat-2280	29	27	out	out	ADP
easat-2280	29	28	how	how	SCONJ
easat-2280	29	29	financial	financial	ADJ
easat-2280	29	30	technology	technology	NOUN
easat-2280	29	31	affects	affect	VERB
easat-2280	29	32	financial	financial	ADJ
easat-2280	29	33	attitudes	attitude	NOUN
easat-2280	29	34	.	.	PUNCT
easat-2280	30	1	finally	finally	ADV
easat-2280	30	2	,	,	PUNCT
easat-2280	30	3	what	what	PRON
easat-2280	30	4	part	part	NOUN
easat-2280	30	5	does	do	AUX
easat-2280	30	6	it	it	PRON
easat-2280	30	7	play	play	VERB
easat-2280	30	8	to	to	ADP
easat-2280	30	9	personal	personal	ADJ
easat-2280	30	10	characteristics	characteristic	NOUN
easat-2280	30	11	regarding	regard	VERB
easat-2280	30	12	these	these	DET
easat-2280	30	13	attitudes	attitude	NOUN
easat-2280	30	14	?	?	PUNCT
easat-2280	31	1	in	in	ADP
easat-2280	31	2	what	what	DET
easat-2280	31	3	way	way	NOUN
easat-2280	31	4	is	be	AUX
easat-2280	31	5	financial	financial	ADJ
easat-2280	31	6	literacy	literacy	NOUN
easat-2280	31	7	influential	influential	ADJ
easat-2280	31	8	to	to	ADP
easat-2280	31	9	family	family	NOUN
easat-2280	31	10	decision	decision	NOUN
easat-2280	31	11	on	on	ADP
easat-2280	31	12	how	how	SCONJ
easat-2280	31	13	to	to	PART
easat-2280	31	14	manage	manage	VERB
easat-2280	31	15	their	their	PRON
easat-2280	31	16	finances	finance	NOUN
easat-2280	31	17	?	?	PUNCT
easat-2280	32	1	also	also	ADV
easat-2280	32	2	,	,	PUNCT
easat-2280	32	3	how	how	SCONJ
easat-2280	32	4	does	do	AUX
easat-2280	32	5	this	this	DET
easat-2280	32	6	concept	concept	NOUN
easat-2280	32	7	of	of	ADP
easat-2280	32	8	financial	financial	ADJ
easat-2280	32	9	quotient	quotient	NOUN
easat-2280	32	10	interact	interact	VERB
easat-2280	32	11	with	with	ADP
easat-2280	32	12	these	these	DET
easat-2280	32	13	relationships	relationship	NOUN
easat-2280	32	14	?	?	PUNCT
easat-2280	33	1	the	the	DET
easat-2280	33	2	remaining	remain	VERB
easat-2280	33	3	parts	part	NOUN
easat-2280	33	4	of	of	ADP
easat-2280	33	5	this	this	DET
easat-2280	33	6	article	article	NOUN
easat-2280	33	7	will	will	AUX
easat-2280	33	8	review	review	VERB
easat-2280	33	9	the	the	DET
easat-2280	33	10	theoretical	theoretical	ADJ
easat-2280	33	11	basis	basis	NOUN
easat-2280	33	12	of	of	ADP
easat-2280	33	13	the	the	DET
easat-2280	33	14	work	work	NOUN
easat-2280	33	15	under	under	ADP
easat-2280	33	16	consideration	consideration	NOUN
easat-2280	33	17	,	,	PUNCT
easat-2280	33	18	the	the	DET
easat-2280	33	19	methodology	methodology	NOUN
easat-2280	33	20	section	section	NOUN
easat-2280	33	21	that	that	PRON
easat-2280	33	22	will	will	AUX
easat-2280	33	23	describe	describe	VERB
easat-2280	33	24	the	the	DET
easat-2280	33	25	overall	overall	ADJ
easat-2280	33	26	research	research	NOUN
easat-2280	33	27	paradigm	paradigm	NOUN
easat-2280	33	28	and	and	CCONJ
easat-2280	33	29	the	the	DET
easat-2280	33	30	data	data	NOUN
easat-2280	33	31	collection	collection	NOUN
easat-2280	33	32	techniques	technique	NOUN
easat-2280	33	33	.	.	PUNCT
easat-2280	34	1	these	these	DET
easat-2280	34	2	results	result	NOUN
easat-2280	34	3	will	will	AUX
easat-2280	34	4	be	be	AUX
easat-2280	34	5	further	far	ADV
easat-2280	34	6	described	describe	VERB
easat-2280	34	7	and	and	CCONJ
easat-2280	34	8	explained	explain	VERB
easat-2280	34	9	analyzing	analyze	VERB
easat-2280	34	10	the	the	DET
easat-2280	34	11	literature	literature	NOUN
easat-2280	34	12	and	and	CCONJ
easat-2280	34	13	applying	apply	VERB
easat-2280	34	14	the	the	DET
easat-2280	34	15	conclusions	conclusion	NOUN
easat-2280	34	16	to	to	ADP
easat-2280	34	17	the	the	DET
easat-2280	34	18	field	field	NOUN
easat-2280	34	19	of	of	ADP
easat-2280	34	20	financial	financial	ADJ
easat-2280	34	21	literacy	literacy	NOUN
easat-2280	34	22	and	and	CCONJ
easat-2280	34	23	policy	policy	NOUN
easat-2280	34	24	.	.	PUNCT
easat-2280	35	1	last	last	ADJ
easat-2280	35	2	of	of	ADP
easat-2280	35	3	all	all	PRON
easat-2280	35	4	,	,	PUNCT
easat-2280	35	5	the	the	DET
easat-2280	35	6	article	article	NOUN
easat-2280	35	7	will	will	AUX
easat-2280	35	8	give	give	VERB
easat-2280	35	9	an	an	DET
easat-2280	35	10	overview	overview	NOUN
easat-2280	35	11	on	on	ADP
easat-2280	35	12	suggestions	suggestion	NOUN
easat-2280	35	13	for	for	ADP
easat-2280	35	14	future	future	ADJ
easat-2280	35	15	research	research	NOUN
easat-2280	35	16	and	and	CCONJ
easat-2280	35	17	practical	practical	ADJ
easat-2280	35	18	implementation	implementation	NOUN
easat-2280	35	19	of	of	ADP
easat-2280	35	20	new	new	ADJ
easat-2280	35	21	strategies	strategy	NOUN
easat-2280	35	22	that	that	PRON
easat-2280	35	23	may	may	AUX
easat-2280	35	24	help	help	VERB
easat-2280	35	25	improve	improve	VERB
easat-2280	35	26	the	the	DET
easat-2280	35	27	financial	financial	ADJ
easat-2280	35	28	situation	situation	NOUN
easat-2280	35	29	of	of	ADP
easat-2280	35	30	naval	naval	ADJ
easat-2280	35	31	families	family	NOUN
easat-2280	35	32	.	.	PUNCT
easat-2280	36	1	2	2	X
easat-2280	36	2	.	.	X
easat-2280	36	3	literature	literature	NOUN
easat-2280	36	4	review	review	VERB
easat-2280	36	5	2.1	2.1	NUM
easat-2280	36	6	.	.	PUNCT
easat-2280	37	1	theoretical	theoretical	ADJ
easat-2280	37	2	framework	framework	NOUN
easat-2280	37	3	this	this	DET
easat-2280	37	4	research	research	NOUN
easat-2280	37	5	examines	examine	VERB
easat-2280	37	6	the	the	DET
easat-2280	37	7	relationship	relationship	NOUN
easat-2280	37	8	between	between	ADP
easat-2280	37	9	financial	financial	ADJ
easat-2280	37	10	technology	technology	NOUN
easat-2280	37	11	,	,	PUNCT
easat-2280	37	12	personality	personality	NOUN
easat-2280	37	13	and	and	CCONJ
easat-2280	37	14	financial	financial	ADJ
easat-2280	37	15	literacy	literacy	NOUN
easat-2280	37	16	and	and	CCONJ
easat-2280	37	17	its	its	PRON
easat-2280	37	18	impact	impact	NOUN
easat-2280	37	19	on	on	ADP
easat-2280	37	20	financial	financial	ADJ
easat-2280	37	21	beliefs	belief	NOUN
easat-2280	37	22	and	and	CCONJ
easat-2280	37	23	family	family	NOUN
easat-2280	37	24	financial	financial	ADJ
easat-2280	37	25	planning	planning	NOUN
easat-2280	37	26	of	of	ADP
easat-2280	37	27	naval	naval	ADJ
easat-2280	37	28	families	family	NOUN
easat-2280	37	29	stationed	station	VERB
easat-2280	37	30	at	at	ADP
easat-2280	37	31	hera	hera	PROPN
easat-2280	37	32	naval	naval	ADJ
easat-2280	37	33	base	base	NOUN
easat-2280	37	34	.	.	PUNCT
easat-2280	38	1	this	this	DET
easat-2280	38	2	framework	framework	NOUN
easat-2280	38	3	is	be	AUX
easat-2280	38	4	based	base	VERB
easat-2280	38	5	on	on	ADP
easat-2280	38	6	the	the	DET
easat-2280	38	7	assumption	assumption	NOUN
easat-2280	38	8	that	that	SCONJ
easat-2280	38	9	financial	financial	ADJ
easat-2280	38	10	decision	decision	NOUN
easat-2280	38	11	is	be	AUX
easat-2280	38	12	a	a	DET
easat-2280	38	13	product	product	NOUN
easat-2280	38	14	of	of	ADP
easat-2280	38	15	both	both	CCONJ
easat-2280	38	16	internal	internal	ADJ
easat-2280	38	17	and	and	CCONJ
easat-2280	38	18	external	external	ADJ
easat-2280	38	19	factors	factor	NOUN
easat-2280	38	20	since	since	SCONJ
easat-2280	38	21	military	military	ADJ
easat-2280	38	22	families	family	NOUN
easat-2280	38	23	are	be	AUX
easat-2280	38	24	constrained	constrain	VERB
easat-2280	38	25	by	by	ADP
easat-2280	38	26	some	some	DET
easat-2280	38	27	demands	demand	NOUN
easat-2280	38	28	that	that	PRON
easat-2280	38	29	influence	influence	VERB
easat-2280	38	30	their	their	PRON
easat-2280	38	31	daily	daily	ADJ
easat-2280	38	32	decision	decision	NOUN
easat-2280	38	33	making	make	VERB
easat-2280	38	34	in	in	ADP
easat-2280	38	35	terms	term	NOUN
easat-2280	38	36	of	of	ADP
easat-2280	38	37	use	use	NOUN
easat-2280	38	38	of	of	ADP
easat-2280	38	39	money	money	NOUN
easat-2280	38	40	.	.	PUNCT
easat-2280	39	1	1579	1579	NUM
easat-2280	39	2	edelweiss	edelweiss	PROPN
easat-2280	39	3	applied	apply	VERB
easat-2280	39	4	science	science	NOUN
easat-2280	39	5	and	and	CCONJ
easat-2280	39	6	technology	technology	NOUN
easat-2280	39	7	issn	issn	PROPN
easat-2280	39	8	:	:	PUNCT
easat-2280	39	9	2576	2576	NUM
easat-2280	39	10	-	-	SYM
easat-2280	39	11	8484	8484	NUM
easat-2280	39	12	vol	vol	NOUN
easat-2280	39	13	.	.	PROPN
easat-2280	39	14	8	8	NUM
easat-2280	39	15	,	,	PUNCT
easat-2280	39	16	no	no	INTJ
easat-2280	39	17	.	.	NOUN
easat-2280	39	18	6	6	NUM
easat-2280	39	19	:	:	SYM
easat-2280	39	20	1577	1577	NUM
easat-2280	39	21	-	-	SYM
easat-2280	39	22	1597	1597	NUM
easat-2280	39	23	,	,	PUNCT
easat-2280	39	24	2024	2024	NUM
easat-2280	39	25	doi	doi	NOUN
easat-2280	39	26	:	:	PUNCT
easat-2280	39	27	10.55214/25768484.v8i6.2280	10.55214/25768484.v8i6.2280	NUM
easat-2280	39	28	©	©	PROPN
easat-2280	39	29	2024	2024	NUM
easat-2280	39	30	by	by	ADP
easat-2280	39	31	the	the	DET
easat-2280	39	32	authors	author	NOUN
easat-2280	39	33	;	;	PUNCT
easat-2280	39	34	licensee	licensee	PROPN
easat-2280	39	35	learning	learn	VERB
easat-2280	39	36	gate	gate	NOUN
easat-2280	39	37	figure	figure	NOUN
easat-2280	39	38	1	1	NUM
easat-2280	39	39	.	.	PUNCT
easat-2280	39	40	theoretical	theoretical	ADJ
easat-2280	39	41	framework	framework	NOUN
easat-2280	39	42	.	.	PUNCT
easat-2280	40	1	this	this	DET
easat-2280	40	2	theoretical	theoretical	ADJ
easat-2280	40	3	framework	framework	NOUN
easat-2280	40	4	and	and	CCONJ
easat-2280	40	5	the	the	DET
easat-2280	40	6	associated	associated	ADJ
easat-2280	40	7	hypotheses	hypothesis	NOUN
easat-2280	40	8	aim	aim	VERB
easat-2280	40	9	to	to	PART
easat-2280	40	10	fill	fill	VERB
easat-2280	40	11	existing	exist	VERB
easat-2280	40	12	gaps	gap	NOUN
easat-2280	40	13	in	in	ADP
easat-2280	40	14	the	the	DET
easat-2280	40	15	literature	literature	NOUN
easat-2280	40	16	regarding	regard	VERB
easat-2280	40	17	financial	financial	ADJ
easat-2280	40	18	behaviors	behavior	NOUN
easat-2280	40	19	in	in	ADP
easat-2280	40	20	military	military	ADJ
easat-2280	40	21	families	family	NOUN
easat-2280	40	22	,	,	PUNCT
easat-2280	40	23	particularly	particularly	ADV
easat-2280	40	24	in	in	ADP
easat-2280	40	25	the	the	DET
easat-2280	40	26	context	context	NOUN
easat-2280	40	27	of	of	ADP
easat-2280	40	28	the	the	DET
easat-2280	40	29	unique	unique	ADJ
easat-2280	40	30	challenges	challenge	NOUN
easat-2280	40	31	they	they	PRON
easat-2280	40	32	face	face	VERB
easat-2280	40	33	.	.	PUNCT
easat-2280	41	1	by	by	ADP
easat-2280	41	2	exploring	explore	VERB
easat-2280	41	3	these	these	DET
easat-2280	41	4	relationships	relationship	NOUN
easat-2280	41	5	,	,	PUNCT
easat-2280	41	6	the	the	DET
easat-2280	41	7	study	study	NOUN
easat-2280	41	8	seeks	seek	VERB
easat-2280	41	9	to	to	PART
easat-2280	41	10	provide	provide	VERB
easat-2280	41	11	valuable	valuable	ADJ
easat-2280	41	12	insights	insight	NOUN
easat-2280	41	13	for	for	ADP
easat-2280	41	14	policymakers	policymaker	NOUN
easat-2280	41	15	and	and	CCONJ
easat-2280	41	16	financial	financial	ADJ
easat-2280	41	17	educators	educator	NOUN
easat-2280	41	18	to	to	PART
easat-2280	41	19	enhance	enhance	VERB
easat-2280	41	20	financial	financial	ADJ
easat-2280	41	21	stability	stability	NOUN
easat-2280	41	22	and	and	CCONJ
easat-2280	41	23	well	well	ADV
easat-2280	41	24	-	-	PUNCT
easat-2280	41	25	being	being	NOUN
easat-2280	41	26	among	among	ADP
easat-2280	41	27	naval	naval	ADJ
easat-2280	41	28	families	family	NOUN
easat-2280	41	29	.	.	PUNCT
easat-2280	42	1	2.2	2.2	NUM
easat-2280	42	2	.	.	PUNCT
easat-2280	42	3	hypothesis	hypothesis	NOUN
easat-2280	42	4	development	development	NOUN
easat-2280	42	5	based	base	VERB
easat-2280	42	6	on	on	ADP
easat-2280	42	7	the	the	DET
easat-2280	42	8	theoretical	theoretical	ADJ
easat-2280	42	9	framework	framework	NOUN
easat-2280	42	10	,	,	PUNCT
easat-2280	42	11	the	the	DET
easat-2280	42	12	following	follow	VERB
easat-2280	42	13	hypotheses	hypothesis	NOUN
easat-2280	42	14	are	be	AUX
easat-2280	42	15	:	:	PUNCT
easat-2280	42	16	2.2.1	2.2.1	NUM
easat-2280	42	17	.	.	PUNCT
easat-2280	43	1	the	the	DET
easat-2280	43	2	influence	influence	NOUN
easat-2280	43	3	of	of	ADP
easat-2280	43	4	financial	financial	ADJ
easat-2280	43	5	technology	technology	NOUN
easat-2280	43	6	on	on	ADP
easat-2280	43	7	financial	financial	ADJ
easat-2280	43	8	attitudes	attitude	NOUN
easat-2280	43	9	in	in	ADP
easat-2280	43	10	the	the	DET
easat-2280	43	11	contemporary	contemporary	ADJ
easat-2280	43	12	society	society	NOUN
easat-2280	43	13	,	,	PUNCT
easat-2280	43	14	advanced	advanced	ADJ
easat-2280	43	15	technologies	technology	NOUN
easat-2280	43	16	have	have	AUX
easat-2280	43	17	particularly	particularly	ADV
easat-2280	43	18	impacted	impact	VERB
easat-2280	43	19	the	the	DET
easat-2280	43	20	use	use	NOUN
easat-2280	43	21	of	of	ADP
easat-2280	43	22	money	money	NOUN
easat-2280	43	23	and	and	CCONJ
easat-2280	43	24	added	add	VERB
easat-2280	43	25	on	on	ADP
easat-2280	43	26	the	the	DET
easat-2280	43	27	ways	way	NOUN
easat-2280	43	28	of	of	ADP
easat-2280	43	29	managing	manage	VERB
easat-2280	43	30	money	money	NOUN
easat-2280	43	31	(	(	PUNCT
easat-2280	43	32	broby	broby	NOUN
easat-2280	43	33	,	,	PUNCT
easat-2280	43	34	2021	2021	NUM
easat-2280	43	35	)	)	PUNCT
easat-2280	43	36	.	.	PUNCT
easat-2280	44	1	this	this	DET
easat-2280	44	2	technology	technology	NOUN
easat-2280	44	3	has	have	AUX
easat-2280	44	4	also	also	ADV
easat-2280	44	5	impacted	impact	VERB
easat-2280	44	6	on	on	ADP
easat-2280	44	7	the	the	DET
easat-2280	44	8	increase	increase	NOUN
easat-2280	44	9	in	in	ADP
easat-2280	44	10	the	the	DET
easat-2280	44	11	level	level	NOUN
easat-2280	44	12	of	of	ADP
easat-2280	44	13	difficulty	difficulty	NOUN
easat-2280	44	14	in	in	ADP
easat-2280	44	15	accessing	access	VERB
easat-2280	44	16	financial	financial	ADJ
easat-2280	44	17	information	information	NOUN
easat-2280	44	18	.	.	PUNCT
easat-2280	45	1	social	social	ADJ
easat-2280	45	2	utility	utility	NOUN
easat-2280	45	3	technologies	technology	NOUN
easat-2280	45	4	present	present	ADJ
easat-2280	45	5	on	on	ADP
easat-2280	45	6	the	the	DET
easat-2280	45	7	internet	internet	NOUN
easat-2280	45	8	have	have	AUX
easat-2280	45	9	simplified	simplify	VERB
easat-2280	45	10	the	the	DET
easat-2280	45	11	handling	handling	NOUN
easat-2280	45	12	of	of	ADP
easat-2280	45	13	different	different	ADJ
easat-2280	45	14	issues	issue	NOUN
easat-2280	45	15	concerning	concern	VERB
easat-2280	45	16	spending	spending	NOUN
easat-2280	45	17	and	and	CCONJ
easat-2280	45	18	money	money	NOUN
easat-2280	45	19	(	(	PUNCT
easat-2280	45	20	basdekis	basdeki	NOUN
easat-2280	45	21	et	et	PROPN
easat-2280	45	22	al	al	PROPN
easat-2280	45	23	.	.	PROPN
easat-2280	45	24	,	,	PUNCT
easat-2280	45	25	2022	2022	NUM
easat-2280	45	26	)	)	PUNCT
easat-2280	45	27	.	.	PUNCT
easat-2280	46	1	hence	hence	ADV
easat-2280	46	2	,	,	PUNCT
easat-2280	46	3	it	it	PRON
easat-2280	46	4	will	will	AUX
easat-2280	46	5	help	help	VERB
easat-2280	46	6	people	people	NOUN
easat-2280	46	7	to	to	PART
easat-2280	46	8	gain	gain	VERB
easat-2280	46	9	more	more	ADJ
easat-2280	46	10	insight	insight	NOUN
easat-2280	46	11	into	into	ADP
easat-2280	46	12	their	their	PRON
easat-2280	46	13	financial	financial	ADJ
easat-2280	46	14	situation	situation	NOUN
easat-2280	46	15	and	and	CCONJ
easat-2280	46	16	,	,	PUNCT
easat-2280	46	17	therefore	therefore	ADV
easat-2280	46	18	,	,	PUNCT
easat-2280	46	19	make	make	VERB
easat-2280	46	20	improved	improved	ADJ
easat-2280	46	21	financial	financial	ADJ
easat-2280	46	22	decisions	decision	NOUN
easat-2280	46	23	.	.	PUNCT
easat-2280	47	1	also	also	ADV
easat-2280	47	2	,	,	PUNCT
easat-2280	47	3	advances	advance	NOUN
easat-2280	47	4	in	in	ADP
easat-2280	47	5	technology	technology	NOUN
easat-2280	47	6	have	have	AUX
easat-2280	47	7	complemented	complement	VERB
easat-2280	47	8	business	business	NOUN
easat-2280	47	9	processes	process	NOUN
easat-2280	47	10	especially	especially	ADV
easat-2280	47	11	through	through	ADP
easat-2280	47	12	improving	improve	VERB
easat-2280	47	13	on	on	ADP
easat-2280	47	14	the	the	DET
easat-2280	47	15	methods	method	NOUN
easat-2280	47	16	of	of	ADP
easat-2280	47	17	making	make	VERB
easat-2280	47	18	financial	financial	ADJ
easat-2280	47	19	transactions	transaction	NOUN
easat-2280	47	20	.	.	PUNCT
easat-2280	48	1	with	with	ADP
easat-2280	48	2	the	the	DET
easat-2280	48	3	mobile	mobile	ADJ
easat-2280	48	4	banking	banking	NOUN
easat-2280	48	5	,	,	PUNCT
easat-2280	48	6	e	e	NOUN
easat-2280	48	7	-	-	NOUN
easat-2280	48	8	wallets	wallet	NOUN
easat-2280	48	9	,	,	PUNCT
easat-2280	48	10	online	online	ADJ
easat-2280	48	11	payments	payment	NOUN
easat-2280	48	12	and	and	CCONJ
easat-2280	48	13	other	other	ADJ
easat-2280	48	14	related	related	ADJ
easat-2280	48	15	products	product	NOUN
easat-2280	48	16	,	,	PUNCT
easat-2280	48	17	the	the	DET
easat-2280	48	18	transaction	transaction	NOUN
easat-2280	48	19	process	process	NOUN
easat-2280	48	20	has	have	AUX
easat-2280	48	21	been	be	AUX
easat-2280	48	22	made	make	VERB
easat-2280	48	23	easier	easy	ADJ
easat-2280	48	24	and	and	CCONJ
easat-2280	48	25	one	one	NOUN
easat-2280	48	26	is	be	AUX
easat-2280	48	27	not	not	PART
easat-2280	48	28	required	require	VERB
easat-2280	48	29	to	to	PART
easat-2280	48	30	carry	carry	VERB
easat-2280	48	31	cash	cash	NOUN
easat-2280	48	32	or	or	CCONJ
easat-2280	48	33	credit	credit	NOUN
easat-2280	48	34	cards	card	NOUN
easat-2280	48	35	(	(	PUNCT
easat-2280	48	36	yang	yang	PROPN
easat-2280	48	37	et	et	PROPN
easat-2280	48	38	al	al	PROPN
easat-2280	48	39	.	.	PROPN
easat-2280	48	40	,	,	PUNCT
easat-2280	48	41	2021	2021	NUM
easat-2280	48	42	)	)	PUNCT
easat-2280	48	43	.	.	PUNCT
easat-2280	49	1	regarding	regard	VERB
easat-2280	49	2	this	this	DET
easat-2280	49	3	aspect	aspect	NOUN
easat-2280	49	4	,	,	PUNCT
easat-2280	49	5	the	the	DET
easat-2280	49	6	feature	feature	NOUN
easat-2280	49	7	can	can	AUX
easat-2280	49	8	assist	assist	VERB
easat-2280	49	9	individuals	individual	NOUN
easat-2280	49	10	to	to	PART
easat-2280	49	11	know	know	VERB
easat-2280	49	12	how	how	SCONJ
easat-2280	49	13	they	they	PRON
easat-2280	49	14	have	have	AUX
easat-2280	49	15	been	be	AUX
easat-2280	49	16	spending	spend	VERB
easat-2280	49	17	their	their	PRON
easat-2280	49	18	money	money	NOUN
easat-2280	49	19	,	,	PUNCT
easat-2280	49	20	and	and	CCONJ
easat-2280	49	21	where	where	SCONJ
easat-2280	49	22	they	they	PRON
easat-2280	49	23	should	should	AUX
easat-2280	49	24	avoid	avoid	VERB
easat-2280	49	25	being	be	AUX
easat-2280	49	26	/	/	SYM
easat-2280	49	27	spending	spend	VERB
easat-2280	49	28	money	money	NOUN
easat-2280	49	29	.	.	PUNCT
easat-2280	50	1	the	the	DET
easat-2280	50	2	study	study	NOUN
easat-2280	50	3	carried	carry	VERB
easat-2280	50	4	out	out	ADP
easat-2280	50	5	by	by	ADP
easat-2280	50	6	(	(	PUNCT
easat-2280	50	7	amnas	amnas	PROPN
easat-2280	50	8	et	et	PROPN
easat-2280	50	9	al	al	PROPN
easat-2280	50	10	.	.	PROPN
easat-2280	50	11	,	,	PUNCT
easat-2280	50	12	2024	2024	NUM
easat-2280	50	13	)	)	PUNCT
easat-2280	51	1	shows	show	VERB
easat-2280	51	2	how	how	SCONJ
easat-2280	51	3	technology	technology	NOUN
easat-2280	51	4	can	can	AUX
easat-2280	51	5	help	help	VERB
easat-2280	51	6	change	change	VERB
easat-2280	51	7	people	people	NOUN
easat-2280	51	8	’s	’s	PART
easat-2280	51	9	perspective	perspective	NOUN
easat-2280	51	10	towards	towards	ADP
easat-2280	51	11	finance	finance	NOUN
easat-2280	51	12	.	.	PUNCT
easat-2280	52	1	in	in	ADP
easat-2280	52	2	another	another	DET
easat-2280	52	3	study	study	NOUN
easat-2280	52	4	,	,	PUNCT
easat-2280	52	5	li	li	PROPN
easat-2280	52	6	&	&	CCONJ
easat-2280	52	7	xu	xu	PROPN
easat-2280	52	8	,	,	PUNCT
easat-2280	52	9	2021	2021	NUM
easat-2280	52	10	li	li	PROPN
easat-2280	52	11	&	&	CCONJ
easat-2280	52	12	xu	xu	PROPN
easat-2280	52	13	2021	2021	NUM
easat-2280	52	14	also	also	ADV
easat-2280	52	15	claims	claim	VERB
easat-2280	52	16	that	that	SCONJ
easat-2280	52	17	technology	technology	NOUN
easat-2280	52	18	is	be	AUX
easat-2280	52	19	a	a	DET
easat-2280	52	20	key	key	ADJ
easat-2280	52	21	determinants	determinant	NOUN
easat-2280	52	22	of	of	ADP
easat-2280	52	23	people	people	NOUN
easat-2280	52	24	’s	’s	PART
easat-2280	52	25	financial	financial	ADJ
easat-2280	52	26	perception	perception	NOUN
easat-2280	52	27	.	.	PUNCT
easat-2280	53	1	therefore	therefore	ADV
easat-2280	53	2	,	,	PUNCT
easat-2280	53	3	we	we	PRON
easat-2280	53	4	can	can	AUX
easat-2280	53	5	suggest	suggest	VERB
easat-2280	53	6	the	the	DET
easat-2280	53	7	following	follow	VERB
easat-2280	53	8	hypothesis	hypothesis	NOUN
easat-2280	53	9	:	:	PUNCT
easat-2280	53	10	h1	h1	NOUN
easat-2280	53	11	:	:	PUNCT
easat-2280	53	12	financial	financial	ADJ
easat-2280	53	13	technology	technology	NOUN
easat-2280	53	14	has	have	VERB
easat-2280	53	15	a	a	DET
easat-2280	53	16	significant	significant	ADJ
easat-2280	53	17	influence	influence	NOUN
easat-2280	53	18	on	on	ADP
easat-2280	53	19	financial	financial	ADJ
easat-2280	53	20	attitudes	attitude	NOUN
easat-2280	53	21	among	among	ADP
easat-2280	53	22	naval	naval	ADJ
easat-2280	53	23	families	family	NOUN
easat-2280	53	24	at	at	ADP
easat-2280	53	25	hera	hera	PROPN
easat-2280	53	26	naval	naval	PROPN
easat-2280	53	27	base	base	PROPN
easat-2280	53	28	,	,	PUNCT
easat-2280	53	29	timor	timor	PROPN
easat-2280	53	30	-	-	PUNCT
easat-2280	53	31	leste	leste	PROPN
easat-2280	53	32	.	.	PUNCT
easat-2280	54	1	1580	1580	NUM
easat-2280	54	2	edelweiss	edelweiss	PROPN
easat-2280	54	3	applied	apply	VERB
easat-2280	54	4	science	science	NOUN
easat-2280	54	5	and	and	CCONJ
easat-2280	54	6	technology	technology	NOUN
easat-2280	54	7	issn	issn	PROPN
easat-2280	54	8	:	:	PUNCT
easat-2280	54	9	2576	2576	NUM
easat-2280	54	10	-	-	SYM
easat-2280	54	11	8484	8484	NUM
easat-2280	54	12	vol	vol	NOUN
easat-2280	54	13	.	.	PROPN
easat-2280	54	14	8	8	NUM
easat-2280	54	15	,	,	PUNCT
easat-2280	54	16	no	no	INTJ
easat-2280	54	17	.	.	NOUN
easat-2280	54	18	6	6	NUM
easat-2280	54	19	:	:	SYM
easat-2280	54	20	1577	1577	NUM
easat-2280	54	21	-	-	SYM
easat-2280	54	22	1597	1597	NUM
easat-2280	54	23	,	,	PUNCT
easat-2280	54	24	2024	2024	NUM
easat-2280	54	25	doi	doi	NOUN
easat-2280	54	26	:	:	PUNCT
easat-2280	54	27	10.55214/25768484.v8i6.2280	10.55214/25768484.v8i6.2280	NUM
easat-2280	54	28	©	©	PROPN
easat-2280	54	29	2024	2024	NUM
easat-2280	54	30	by	by	ADP
easat-2280	54	31	the	the	DET
easat-2280	54	32	authors	author	NOUN
easat-2280	54	33	;	;	PUNCT
easat-2280	54	34	licensee	licensee	PROPN
easat-2280	54	35	learning	learn	VERB
easat-2280	54	36	gate	gate	PROPN
easat-2280	54	37	2.2.2	2.2.2	NUM
easat-2280	54	38	.	.	PUNCT
easat-2280	55	1	the	the	DET
easat-2280	55	2	influence	influence	NOUN
easat-2280	55	3	of	of	ADP
easat-2280	55	4	financial	financial	ADJ
easat-2280	55	5	technology	technology	NOUN
easat-2280	55	6	on	on	ADP
easat-2280	55	7	personal	personal	ADJ
easat-2280	55	8	saving	saving	NOUN
easat-2280	55	9	orientation	orientation	NOUN
easat-2280	55	10	financial	financial	ADJ
easat-2280	55	11	technology	technology	NOUN
easat-2280	55	12	commonly	commonly	ADV
easat-2280	55	13	known	know	VERB
easat-2280	55	14	as	as	ADP
easat-2280	55	15	fintech	fintech	NOUN
easat-2280	55	16	,	,	PUNCT
easat-2280	55	17	therefore	therefore	ADV
easat-2280	55	18	can	can	AUX
easat-2280	55	19	be	be	AUX
easat-2280	55	20	defined	define	VERB
easat-2280	55	21	as	as	ADP
easat-2280	55	22	the	the	DET
easat-2280	55	23	intersection	intersection	NOUN
easat-2280	55	24	between	between	ADP
easat-2280	55	25	technology	technology	NOUN
easat-2280	55	26	and	and	CCONJ
easat-2280	55	27	financial	financial	ADJ
easat-2280	55	28	services	service	NOUN
easat-2280	55	29	.	.	PUNCT
easat-2280	56	1	widarwati	widarwati	X
easat-2280	56	2	et	et	PROPN
easat-2280	56	3	al	al	PROPN
easat-2280	56	4	.	.	PROPN
easat-2280	56	5	,	,	PUNCT
easat-2280	56	6	(	(	PUNCT
easat-2280	56	7	2024	2024	NUM
easat-2280	56	8	)	)	PUNCT
easat-2280	56	9	sourced	source	VERB
easat-2280	56	10	another	another	DET
easat-2280	56	11	research	research	NOUN
easat-2280	56	12	to	to	ADP
easat-2280	56	13	affirm	affirm	NOUN
easat-2280	56	14	that	that	PRON
easat-2280	56	15	tested	test	VERB
easat-2280	56	16	financial	financial	ADJ
easat-2280	56	17	technology	technology	NOUN
easat-2280	56	18	has	have	VERB
easat-2280	56	19	positive	positive	ADJ
easat-2280	56	20	saving	save	VERB
easat-2280	56	21	behavior	behavior	NOUN
easat-2280	56	22	effect	effect	NOUN
easat-2280	56	23	at	at	ADP
easat-2280	56	24	a	a	DET
easat-2280	56	25	significantly	significantly	ADJ
easat-2280	56	26	level	level	NOUN
easat-2280	56	27	.	.	PUNCT
easat-2280	57	1	this	this	DET
easat-2280	57	2	finding	finding	NOUN
easat-2280	57	3	supports	support	VERB
easat-2280	57	4	a	a	DET
easat-2280	57	5	study	study	NOUN
easat-2280	57	6	conducted	conduct	VERB
easat-2280	57	7	by	by	ADP
easat-2280	57	8	s.	s.	PROPN
easat-2280	57	9	ouma	ouma	PROPN
easat-2280	57	10	,	,	PUNCT
easat-2280	57	11	(	(	PUNCT
easat-2280	57	12	2020	2020	NUM
easat-2280	57	13	)	)	PUNCT
easat-2280	57	14	which	which	PRON
easat-2280	57	15	noted	note	VERB
easat-2280	57	16	that	that	SCONJ
easat-2280	57	17	mobile	mobile	ADJ
easat-2280	57	18	financial	financial	ADJ
easat-2280	57	19	service	service	NOUN
easat-2280	57	20	can	can	AUX
easat-2280	57	21	increase	increase	VERB
easat-2280	57	22	the	the	DET
easat-2280	57	23	ability	ability	NOUN
easat-2280	57	24	to	to	PART
easat-2280	57	25	save	save	VERB
easat-2280	57	26	among	among	ADP
easat-2280	57	27	individuals	individual	NOUN
easat-2280	57	28	who	who	PRON
easat-2280	57	29	can	can	AUX
easat-2280	57	30	access	access	VERB
easat-2280	57	31	the	the	DET
easat-2280	57	32	services	service	NOUN
easat-2280	57	33	rather	rather	ADV
easat-2280	57	34	than	than	ADP
easat-2280	57	35	those	those	PRON
easat-2280	57	36	who	who	PRON
easat-2280	57	37	can	can	AUX
easat-2280	57	38	not	not	PART
easat-2280	57	39	since	since	SCONJ
easat-2280	57	40	majority	majority	NOUN
easat-2280	57	41	of	of	ADP
easat-2280	57	42	our	our	PRON
easat-2280	57	43	respondents	respondent	NOUN
easat-2280	57	44	fall	fall	VERB
easat-2280	57	45	in	in	ADP
easat-2280	57	46	the	the	DET
easat-2280	57	47	latter	latter	ADJ
easat-2280	57	48	category	category	NOUN
easat-2280	57	49	.	.	PUNCT
easat-2280	58	1	almomani	almomani	PROPN
easat-2280	58	2	and	and	CCONJ
easat-2280	58	3	alomari	alomari	PROPN
easat-2280	58	4	,	,	PUNCT
easat-2280	58	5	(	(	PUNCT
easat-2280	58	6	2021	2021	NUM
easat-2280	58	7	)	)	PUNCT
easat-2280	58	8	noted	note	VERB
easat-2280	58	9	that	that	SCONJ
easat-2280	58	10	the	the	DET
easat-2280	58	11	use	use	NOUN
easat-2280	58	12	of	of	ADP
easat-2280	58	13	financial	financial	ADJ
easat-2280	58	14	technology	technology	NOUN
easat-2280	58	15	can	can	AUX
easat-2280	58	16	help	help	VERB
easat-2280	58	17	people	people	NOUN
easat-2280	58	18	:	:	PUNCT
easat-2280	58	19	efficiently	efficiently	ADV
easat-2280	58	20	utilise	utilise	VERB
easat-2280	58	21	their	their	PRON
easat-2280	58	22	available	available	ADJ
easat-2280	58	23	financial	financial	ADJ
easat-2280	58	24	capital	capital	NOUN
easat-2280	58	25	,	,	PUNCT
easat-2280	58	26	adjust	adjust	VERB
easat-2280	58	27	their	their	PRON
easat-2280	58	28	spending	spending	NOUN
easat-2280	58	29	behaviour	behaviour	NOUN
easat-2280	58	30	if	if	SCONJ
easat-2280	58	31	necessary	necessary	ADJ
easat-2280	58	32	and	and	CCONJ
easat-2280	58	33	make	make	VERB
easat-2280	58	34	sure	sure	ADJ
easat-2280	58	35	there	there	PRON
easat-2280	58	36	is	be	VERB
easat-2280	58	37	always	always	ADV
easat-2280	58	38	an	an	DET
easat-2280	58	39	income	income	NOUN
easat-2280	58	40	received	receive	VERB
easat-2280	58	41	before	before	SCONJ
easat-2280	58	42	any	any	DET
easat-2280	58	43	expenses	expense	NOUN
easat-2280	58	44	are	be	AUX
easat-2280	58	45	made	make	VERB
easat-2280	58	46	.	.	PUNCT
easat-2280	59	1	in	in	ADP
easat-2280	59	2	addition	addition	NOUN
easat-2280	59	3	,	,	PUNCT
easat-2280	59	4	widely	widely	ADV
easat-2280	59	5	used	use	VERB
easat-2280	59	6	internet	internet	NOUN
easat-2280	59	7	banks	bank	NOUN
easat-2280	59	8	help	help	VERB
easat-2280	59	9	to	to	PART
easat-2280	59	10	organize	organize	VERB
easat-2280	59	11	easy	easy	ADJ
easat-2280	59	12	creation	creation	NOUN
easat-2280	59	13	of	of	ADP
easat-2280	59	14	digital	digital	ADJ
easat-2280	59	15	savings	saving	NOUN
easat-2280	59	16	accounts	account	NOUN
easat-2280	59	17	without	without	ADP
easat-2280	59	18	visiting	visit	VERB
easat-2280	59	19	branches	branch	NOUN
easat-2280	59	20	of	of	ADP
easat-2280	59	21	traditional	traditional	ADJ
easat-2280	59	22	banks	bank	NOUN
easat-2280	59	23	(	(	PUNCT
easat-2280	59	24	s.	s.	PROPN
easat-2280	59	25	a.	a.	PROPN
easat-2280	59	26	ouma	ouma	PROPN
easat-2280	59	27	et	et	PROPN
easat-2280	59	28	al	al	PROPN
easat-2280	59	29	.	.	PROPN
easat-2280	59	30	,	,	PUNCT
easat-2280	59	31	2017	2017	NUM
easat-2280	59	32	)	)	PUNCT
easat-2280	59	33	.	.	PUNCT
easat-2280	60	1	this	this	PRON
easat-2280	60	2	indeed	indeed	ADV
easat-2280	60	3	enables	enable	VERB
easat-2280	60	4	the	the	DET
easat-2280	60	5	millennials	millennial	NOUN
easat-2280	60	6	start	start	VERB
easat-2280	60	7	structured	structured	ADJ
easat-2280	60	8	saving	save	VERB
easat-2280	60	9	by	by	ADP
easat-2280	60	10	adopting	adopt	VERB
easat-2280	60	11	progressive	progressive	ADJ
easat-2280	60	12	technology	technology	NOUN
easat-2280	60	13	.	.	PUNCT
easat-2280	61	1	therefore	therefore	ADV
easat-2280	61	2	,	,	PUNCT
easat-2280	61	3	we	we	PRON
easat-2280	61	4	can	can	AUX
easat-2280	61	5	suggest	suggest	VERB
easat-2280	61	6	the	the	DET
easat-2280	61	7	following	follow	VERB
easat-2280	61	8	hypothesis	hypothesis	NOUN
easat-2280	61	9	:	:	PUNCT
easat-2280	61	10	h2	h2	NOUN
easat-2280	61	11	:	:	PUNCT
easat-2280	61	12	financial	financial	ADJ
easat-2280	61	13	technology	technology	NOUN
easat-2280	61	14	has	have	VERB
easat-2280	61	15	a	a	DET
easat-2280	61	16	significant	significant	ADJ
easat-2280	61	17	influence	influence	NOUN
easat-2280	61	18	on	on	ADP
easat-2280	61	19	personal	personal	ADJ
easat-2280	61	20	saving	saving	NOUN
easat-2280	61	21	orientation	orientation	NOUN
easat-2280	61	22	among	among	ADP
easat-2280	61	23	naval	naval	ADJ
easat-2280	61	24	families	family	NOUN
easat-2280	61	25	at	at	ADP
easat-2280	61	26	hera	hera	PROPN
easat-2280	61	27	naval	naval	PROPN
easat-2280	61	28	base	base	PROPN
easat-2280	61	29	,	,	PUNCT
easat-2280	61	30	timor	timor	PROPN
easat-2280	61	31	-	-	PUNCT
easat-2280	61	32	leste	leste	PROPN
easat-2280	61	33	.	.	PUNCT
easat-2280	62	1	2.2.3	2.2.3	NUM
easat-2280	62	2	.	.	PUNCT
easat-2280	63	1	the	the	DET
easat-2280	63	2	influence	influence	NOUN
easat-2280	63	3	of	of	ADP
easat-2280	63	4	financial	financial	ADJ
easat-2280	63	5	technology	technology	NOUN
easat-2280	63	6	on	on	ADP
easat-2280	63	7	family	family	NOUN
easat-2280	63	8	financial	financial	ADJ
easat-2280	63	9	planning	planning	NOUN
easat-2280	63	10	in	in	ADP
easat-2280	63	11	this	this	DET
easat-2280	63	12	way	way	NOUN
easat-2280	63	13	,	,	PUNCT
easat-2280	63	14	new	new	ADJ
easat-2280	63	15	technologies	technology	NOUN
easat-2280	63	16	influence	influence	VERB
easat-2280	63	17	the	the	DET
easat-2280	63	18	financial	financial	ADJ
easat-2280	63	19	management	management	NOUN
easat-2280	63	20	and	and	CCONJ
easat-2280	63	21	the	the	DET
easat-2280	63	22	process	process	NOUN
easat-2280	63	23	of	of	ADP
easat-2280	63	24	setting	set	VERB
easat-2280	63	25	and	and	CCONJ
easat-2280	63	26	achieving	achieve	VERB
easat-2280	63	27	families	family	NOUN
easat-2280	63	28	’	’	PART
easat-2280	63	29	goals	goal	NOUN
easat-2280	63	30	and	and	CCONJ
easat-2280	63	31	financial	financial	ADJ
easat-2280	63	32	tasks	task	NOUN
easat-2280	63	33	.	.	PUNCT
easat-2280	64	1	besides	besides	SCONJ
easat-2280	64	2	,	,	PUNCT
easat-2280	64	3	there	there	PRON
easat-2280	64	4	is	be	VERB
easat-2280	64	5	an	an	DET
easat-2280	64	6	increase	increase	NOUN
easat-2280	64	7	in	in	ADP
easat-2280	64	8	information	information	NOUN
easat-2280	64	9	and	and	CCONJ
easat-2280	64	10	applications	application	NOUN
easat-2280	64	11	for	for	ADP
easat-2280	64	12	handling	handle	VERB
easat-2280	64	13	personal	personal	ADJ
easat-2280	64	14	finance	finance	NOUN
easat-2280	64	15	(	(	PUNCT
easat-2280	64	16	wanof	wanof	NOUN
easat-2280	64	17	,	,	PUNCT
easat-2280	64	18	2023	2023	NUM
easat-2280	64	19	)	)	PUNCT
easat-2280	64	20	.	.	PUNCT
easat-2280	65	1	for	for	ADP
easat-2280	65	2	instance	instance	NOUN
easat-2280	65	3	,	,	PUNCT
easat-2280	65	4	tools	tool	NOUN
easat-2280	65	5	in	in	ADP
easat-2280	65	6	family	family	NOUN
easat-2280	65	7	planning	planning	NOUN
easat-2280	65	8	for	for	ADP
easat-2280	65	9	financial	financial	ADJ
easat-2280	65	10	means	mean	NOUN
easat-2280	65	11	enable	enable	VERB
easat-2280	65	12	the	the	DET
easat-2280	65	13	family	family	NOUN
easat-2280	65	14	to	to	PART
easat-2280	65	15	set	set	VERB
easat-2280	65	16	medium	medium	ADJ
easat-2280	65	17	and	and	CCONJ
easat-2280	65	18	long	long	ADJ
easat-2280	65	19	-	-	PUNCT
easat-2280	65	20	term	term	NOUN
easat-2280	65	21	financial	financial	ADJ
easat-2280	65	22	goals	goal	NOUN
easat-2280	65	23	,	,	PUNCT
easat-2280	65	24	balance	balance	NOUN
easat-2280	65	25	expenditures	expenditure	NOUN
easat-2280	65	26	and	and	CCONJ
easat-2280	65	27	earnings	earning	NOUN
easat-2280	65	28	.	.	PUNCT
easat-2280	66	1	furthermore	furthermore	ADV
easat-2280	66	2	,	,	PUNCT
easat-2280	66	3	technology	technology	NOUN
easat-2280	66	4	helps	help	VERB
easat-2280	66	5	families	family	NOUN
easat-2280	66	6	to	to	PART
easat-2280	66	7	diversify	diversify	VERB
easat-2280	66	8	their	their	PRON
easat-2280	66	9	investments	investment	NOUN
easat-2280	66	10	into	into	ADP
easat-2280	66	11	the	the	DET
easat-2280	66	12	various	various	ADJ
easat-2280	66	13	products	product	NOUN
easat-2280	66	14	such	such	ADJ
easat-2280	66	15	as	as	ADP
easat-2280	66	16	stocks	stock	NOUN
easat-2280	66	17	,	,	PUNCT
easat-2280	66	18	mutual	mutual	ADJ
easat-2280	66	19	funds	fund	NOUN
easat-2280	66	20	and	and	CCONJ
easat-2280	66	21	monitor	monitor	VERB
easat-2280	66	22	performance	performance	NOUN
easat-2280	66	23	of	of	ADP
easat-2280	66	24	the	the	DET
easat-2280	66	25	investment	investment	NOUN
easat-2280	66	26	in	in	ADP
easat-2280	66	27	real	real	ADJ
easat-2280	66	28	time	time	NOUN
easat-2280	66	29	(	(	PUNCT
easat-2280	66	30	rodríguez	rodríguez	NOUN
easat-2280	66	31	de	de	X
easat-2280	66	32	las	las	PROPN
easat-2280	66	33	heras	heras	PROPN
easat-2280	66	34	ballell	ballell	VERB
easat-2280	66	35	,	,	PUNCT
easat-2280	66	36	2023	2023	NUM
easat-2280	66	37	)	)	PUNCT
easat-2280	66	38	.	.	PUNCT
easat-2280	67	1	therefore	therefore	ADV
easat-2280	67	2	,	,	PUNCT
easat-2280	67	3	it	it	PRON
easat-2280	67	4	is	be	AUX
easat-2280	67	5	wise	wise	ADJ
easat-2280	67	6	that	that	SCONJ
easat-2280	67	7	families	family	NOUN
easat-2280	67	8	apply	apply	VERB
easat-2280	67	9	correct	correct	ADJ
easat-2280	67	10	usage	usage	NOUN
easat-2280	67	11	of	of	ADP
easat-2280	67	12	technologies	technology	NOUN
easat-2280	67	13	in	in	ADP
easat-2280	67	14	achieving	achieve	VERB
easat-2280	67	15	more	more	ADJ
easat-2280	67	16	of	of	ADP
easat-2280	67	17	their	their	PRON
easat-2280	67	18	financial	financial	ADJ
easat-2280	67	19	planning	planning	NOUN
easat-2280	67	20	goals	goal	NOUN
easat-2280	67	21	.	.	PUNCT
easat-2280	68	1	consumers	consumer	NOUN
easat-2280	68	2	need	need	VERB
easat-2280	68	3	to	to	PART
easat-2280	68	4	pick	pick	VERB
easat-2280	68	5	apps	app	NOUN
easat-2280	68	6	or	or	CCONJ
easat-2280	68	7	platforms	platform	NOUN
easat-2280	68	8	that	that	PRON
easat-2280	68	9	will	will	AUX
easat-2280	68	10	not	not	PART
easat-2280	68	11	compromise	compromise	VERB
easat-2280	68	12	security	security	NOUN
easat-2280	68	13	while	while	SCONJ
easat-2280	68	14	also	also	ADV
easat-2280	68	15	fitting	fit	VERB
easat-2280	68	16	the	the	DET
easat-2280	68	17	consumer	consumer	NOUN
easat-2280	68	18	’s	’s	PART
easat-2280	68	19	budget	budget	NOUN
easat-2280	68	20	and	and	CCONJ
easat-2280	68	21	financially	financially	ADV
easat-2280	68	22	appropriate	appropriate	ADJ
easat-2280	68	23	.	.	PUNCT
easat-2280	69	1	ai	ai	VERB
easat-2280	69	2	technology	technology	NOUN
easat-2280	69	3	is	be	AUX
easat-2280	69	4	seen	see	VERB
easat-2280	69	5	to	to	PART
easat-2280	69	6	significantly	significantly	ADV
easat-2280	69	7	help	help	VERB
easat-2280	69	8	in	in	ADP
easat-2280	69	9	the	the	DET
easat-2280	69	10	process	process	NOUN
easat-2280	69	11	of	of	ADP
easat-2280	69	12	planning	planning	NOUN
easat-2280	69	13	as	as	SCONJ
easat-2280	69	14	stated	state	VERB
easat-2280	69	15	by	by	ADP
easat-2280	69	16	kunnathuvalappil	kunnathuvalappil	PROPN
easat-2280	69	17	hariharan	hariharan	PROPN
easat-2280	69	18	,	,	PUNCT
easat-2280	69	19	(	(	PUNCT
easat-2280	69	20	2018	2018	NUM
easat-2280	69	21	)	)	PUNCT
easat-2280	69	22	.	.	PUNCT
easat-2280	70	1	due	due	ADP
easat-2280	70	2	to	to	ADP
easat-2280	70	3	the	the	DET
easat-2280	70	4	current	current	ADJ
easat-2280	70	5	technological	technological	ADJ
easat-2280	70	6	enhancement	enhancement	NOUN
easat-2280	70	7	in	in	ADP
easat-2280	70	8	the	the	DET
easat-2280	70	9	area	area	NOUN
easat-2280	70	10	of	of	ADP
easat-2280	70	11	finance	finance	NOUN
easat-2280	70	12	,	,	PUNCT
easat-2280	70	13	members	member	NOUN
easat-2280	70	14	of	of	ADP
easat-2280	70	15	the	the	DET
easat-2280	70	16	family	family	NOUN
easat-2280	70	17	are	be	AUX
easat-2280	70	18	in	in	ADP
easat-2280	70	19	a	a	DET
easat-2280	70	20	better	well	ADJ
easat-2280	70	21	position	position	NOUN
easat-2280	70	22	than	than	ADP
easat-2280	70	23	before	before	ADV
easat-2280	70	24	to	to	PART
easat-2280	70	25	make	make	VERB
easat-2280	70	26	better	well	ADV
easat-2280	70	27	and	and	CCONJ
easat-2280	70	28	improved	improve	VERB
easat-2280	70	29	financial	financial	ADJ
easat-2280	70	30	decisions	decision	NOUN
easat-2280	70	31	.	.	PUNCT
easat-2280	71	1	warchlewska	warchlewska	INTJ
easat-2280	71	2	et	et	PROPN
easat-2280	71	3	al	al	PROPN
easat-2280	71	4	.	.	PROPN
easat-2280	71	5	,	,	PUNCT
easat-2280	71	6	(	(	PUNCT
easat-2280	71	7	2021	2021	NUM
easat-2280	71	8	)	)	PUNCT
easat-2280	71	9	concluded	conclude	VERB
easat-2280	71	10	that	that	SCONJ
easat-2280	71	11	technology	technology	NOUN
easat-2280	71	12	helps	help	VERB
easat-2280	71	13	the	the	DET
easat-2280	71	14	customers	customer	NOUN
easat-2280	71	15	in	in	ADP
easat-2280	71	16	their	their	PRON
easat-2280	71	17	ability	ability	NOUN
easat-2280	71	18	to	to	PART
easat-2280	71	19	master	master	VERB
easat-2280	71	20	the	the	DET
easat-2280	71	21	personal	personal	ADJ
easat-2280	71	22	finance	finance	NOUN
easat-2280	71	23	especially	especially	ADV
easat-2280	71	24	in	in	ADP
easat-2280	71	25	cash	cash	NOUN
easat-2280	71	26	and	and	CCONJ
easat-2280	71	27	non	non	ADJ
easat-2280	71	28	-	-	ADJ
easat-2280	71	29	cash	cash	ADJ
easat-2280	71	30	assets	asset	NOUN
easat-2280	71	31	.	.	PUNCT
easat-2280	72	1	hence	hence	ADV
easat-2280	72	2	,	,	PUNCT
easat-2280	72	3	we	we	PRON
easat-2280	72	4	propose	propose	VERB
easat-2280	72	5	the	the	DET
easat-2280	72	6	following	follow	VERB
easat-2280	72	7	hypothesis	hypothesis	NOUN
easat-2280	72	8	:	:	PUNCT
easat-2280	72	9	h3	h3	NOUN
easat-2280	72	10	:	:	PUNCT
easat-2280	72	11	financial	financial	ADJ
easat-2280	72	12	technology	technology	NOUN
easat-2280	72	13	has	have	VERB
easat-2280	72	14	a	a	DET
easat-2280	72	15	significant	significant	ADJ
easat-2280	72	16	influence	influence	NOUN
easat-2280	72	17	on	on	ADP
easat-2280	72	18	family	family	NOUN
easat-2280	72	19	financial	financial	ADJ
easat-2280	72	20	planning	planning	NOUN
easat-2280	72	21	among	among	ADP
easat-2280	72	22	naval	naval	ADJ
easat-2280	72	23	families	family	NOUN
easat-2280	72	24	at	at	ADP
easat-2280	72	25	hera	hera	PROPN
easat-2280	72	26	naval	naval	PROPN
easat-2280	72	27	base	base	PROPN
easat-2280	72	28	,	,	PUNCT
easat-2280	72	29	timor	timor	PROPN
easat-2280	72	30	-	-	PUNCT
easat-2280	72	31	leste	leste	PROPN
easat-2280	72	32	.	.	PUNCT
easat-2280	73	1	2.2.4	2.2.4	NUM
easat-2280	73	2	.	.	PUNCT
easat-2280	74	1	the	the	DET
easat-2280	74	2	influence	influence	NOUN
easat-2280	74	3	of	of	ADP
easat-2280	74	4	personality	personality	NOUN
easat-2280	74	5	traits	trait	NOUN
easat-2280	74	6	on	on	ADP
easat-2280	74	7	financial	financial	ADJ
easat-2280	74	8	attitude	attitude	NOUN
easat-2280	74	9	financial	financial	ADJ
easat-2280	74	10	attitude	attitude	NOUN
easat-2280	74	11	refers	refer	VERB
easat-2280	74	12	to	to	ADP
easat-2280	74	13	the	the	DET
easat-2280	74	14	stand	stand	NOUN
easat-2280	74	15	that	that	PRON
easat-2280	74	16	an	an	DET
easat-2280	74	17	individual	individual	NOUN
easat-2280	74	18	takes	take	VERB
easat-2280	74	19	as	as	ADV
easat-2280	74	20	well	well	ADV
easat-2280	74	21	as	as	ADP
easat-2280	74	22	the	the	DET
easat-2280	74	23	beliefs	belief	NOUN
easat-2280	74	24	that	that	SCONJ
easat-2280	74	25	the	the	DET
easat-2280	74	26	same	same	ADJ
easat-2280	74	27	person	person	NOUN
easat-2280	74	28	holds	hold	VERB
easat-2280	74	29	concerning	concern	VERB
easat-2280	74	30	finances	finance	NOUN
easat-2280	74	31	and	and	CCONJ
easat-2280	74	32	finance	finance	NOUN
easat-2280	74	33	.	.	PUNCT
easat-2280	75	1	they	they	PRON
easat-2280	75	2	also	also	ADV
easat-2280	75	3	found	find	VERB
easat-2280	75	4	out	out	ADP
easat-2280	75	5	that	that	SCONJ
easat-2280	75	6	personality	personality	NOUN
easat-2280	75	7	factors	factor	NOUN
easat-2280	75	8	are	be	AUX
easat-2280	75	9	factors	factor	NOUN
easat-2280	75	10	that	that	PRON
easat-2280	75	11	determine	determine	VERB
easat-2280	75	12	the	the	DET
easat-2280	75	13	financial	financial	ADJ
easat-2280	75	14	behavior	behavior	NOUN
easat-2280	75	15	of	of	ADP
easat-2280	75	16	an	an	DET
easat-2280	75	17	individual	individual	NOUN
easat-2280	75	18	(	(	PUNCT
easat-2280	75	19	brooks	brooks	PROPN
easat-2280	75	20	&	&	CCONJ
easat-2280	75	21	williams	williams	PROPN
easat-2280	75	22	,	,	PUNCT
easat-2280	75	23	2021	2021	NUM
easat-2280	75	24	)	)	PUNCT
easat-2280	75	25	.	.	PUNCT
easat-2280	76	1	for	for	ADP
easat-2280	76	2	example	example	NOUN
easat-2280	76	3	,	,	PUNCT
easat-2280	76	4	individuals	individual	NOUN
easat-2280	76	5	,	,	PUNCT
easat-2280	76	6	who	who	PRON
easat-2280	76	7	may	may	AUX
easat-2280	76	8	be	be	AUX
easat-2280	76	9	labelled	label	VERB
easat-2280	76	10	as	as	ADP
easat-2280	76	11	neurotic	neurotic	ADJ
easat-2280	76	12	or	or	CCONJ
easat-2280	76	13	anxious	anxious	ADJ
easat-2280	76	14	,	,	PUNCT
easat-2280	76	15	are	be	AUX
easat-2280	76	16	much	much	ADV
easat-2280	76	17	more	more	ADV
easat-2280	76	18	pessimistic	pessimistic	ADJ
easat-2280	76	19	when	when	SCONJ
easat-2280	76	20	it	it	PRON
easat-2280	76	21	comes	come	VERB
easat-2280	76	22	to	to	ADP
easat-2280	76	23	their	their	PRON
easat-2280	76	24	financial	financial	ADJ
easat-2280	76	25	situation	situation	NOUN
easat-2280	76	26	and	and	CCONJ
easat-2280	76	27	use	use	VERB
easat-2280	76	28	much	much	ADV
easat-2280	76	29	more	more	ADJ
easat-2280	76	30	caution	caution	NOUN
easat-2280	76	31	when	when	SCONJ
easat-2280	76	32	it	it	PRON
easat-2280	76	33	comes	come	VERB
easat-2280	76	34	to	to	ADP
easat-2280	76	35	their	their	PRON
easat-2280	76	36	money	money	NOUN
easat-2280	76	37	matters	matter	NOUN
easat-2280	76	38	(	(	PUNCT
easat-2280	76	39	darnida	darnida	NOUN
easat-2280	76	40	et	et	PROPN
easat-2280	76	41	al	al	PROPN
easat-2280	76	42	.	.	PROPN
easat-2280	76	43	,	,	PUNCT
easat-2280	76	44	2024	2024	NUM
easat-2280	76	45	)	)	PUNCT
easat-2280	76	46	.	.	PUNCT
easat-2280	77	1	other	other	ADJ
easat-2280	77	2	variable	variable	NOUN
easat-2280	77	3	is	be	AUX
easat-2280	77	4	that	that	SCONJ
easat-2280	77	5	people	people	NOUN
easat-2280	77	6	with	with	ADP
easat-2280	77	7	such	such	ADJ
easat-2280	77	8	traits	trait	NOUN
easat-2280	77	9	give	give	VERB
easat-2280	77	10	more	more	ADJ
easat-2280	77	11	priority	priority	NOUN
easat-2280	77	12	to	to	PART
easat-2280	77	13	minimize	minimize	VERB
easat-2280	77	14	the	the	DET
easat-2280	77	15	risks	risk	NOUN
easat-2280	77	16	.	.	PUNCT
easat-2280	78	1	rather	rather	ADV
easat-2280	78	2	than	than	ADP
easat-2280	78	3	spending	spend	VERB
easat-2280	78	4	money	money	NOUN
easat-2280	78	5	they	they	PRON
easat-2280	78	6	have	have	VERB
easat-2280	78	7	on	on	ADP
easat-2280	78	8	something	something	PRON
easat-2280	78	9	to	to	PART
easat-2280	78	10	make	make	VERB
easat-2280	78	11	it	it	PRON
easat-2280	78	12	a	a	DET
easat-2280	78	13	worth	worth	ADJ
easat-2280	78	14	spending	spend	VERB
easat-2280	78	15	money	money	NOUN
easat-2280	78	16	for	for	ADP
easat-2280	78	17	,	,	PUNCT
easat-2280	78	18	they	they	PRON
easat-2280	78	19	opt	opt	VERB
easat-2280	78	20	to	to	PART
easat-2280	78	21	save	save	VERB
easat-2280	78	22	their	their	PRON
easat-2280	78	23	money	money	NOUN
easat-2280	78	24	in	in	ADP
easat-2280	78	25	an	an	DET
easat-2280	78	26	account	account	NOUN
easat-2280	78	27	.	.	PUNCT
easat-2280	79	1	conversely	conversely	ADV
easat-2280	79	2	,	,	PUNCT
easat-2280	79	3	those	those	DET
easat-2280	79	4	people	people	NOUN
easat-2280	79	5	who	who	PRON
easat-2280	79	6	have	have	VERB
easat-2280	79	7	the	the	DET
easat-2280	79	8	personality	personality	NOUN
easat-2280	79	9	of	of	ADP
easat-2280	79	10	extraversion	extraversion	NOUN
easat-2280	79	11	/	/	SYM
easat-2280	79	12	extrovert	extrovert	NOUN
easat-2280	79	13	personality	personality	NOUN
easat-2280	79	14	type	type	NOUN
easat-2280	79	15	are	be	AUX
easat-2280	79	16	associated	associate	VERB
easat-2280	79	17	with	with	ADP
easat-2280	79	18	a	a	DET
easat-2280	79	19	higher	high	ADJ
easat-2280	79	20	risk	risk	NOUN
easat-2280	79	21	taking	take	VERB
easat-2280	79	22	tendency	tendency	NOUN
easat-2280	79	23	in	in	ADP
easat-2280	79	24	terms	term	NOUN
easat-2280	79	25	of	of	ADP
easat-2280	79	26	money	money	NOUN
easat-2280	79	27	and	and	CCONJ
easat-2280	79	28	therefore	therefore	ADV
easat-2280	79	29	they	they	PRON
easat-2280	79	30	are	be	AUX
easat-2280	79	31	likely	likely	ADJ
easat-2280	79	32	to	to	PART
easat-2280	79	33	dare	dare	VERB
easat-2280	79	34	to	to	PART
easat-2280	79	35	invest	invest	VERB
easat-2280	79	36	(	(	PUNCT
easat-2280	79	37	ishfaq	ishfaq	NOUN
easat-2280	79	38	et	et	PROPN
easat-2280	79	39	al	al	PROPN
easat-2280	79	40	.	.	PROPN
easat-2280	79	41	,	,	PUNCT
easat-2280	79	42	2020	2020	NUM
easat-2280	79	43	)	)	PUNCT
easat-2280	79	44	.	.	PUNCT
easat-2280	80	1	concisely	concisely	ADV
easat-2280	80	2	,	,	PUNCT
easat-2280	80	3	personality	personality	NOUN
easat-2280	80	4	plays	play	VERB
easat-2280	80	5	a	a	DET
easat-2280	80	6	central	central	ADJ
easat-2280	80	7	role	role	NOUN
easat-2280	80	8	in	in	ADP
easat-2280	80	9	the	the	DET
easat-2280	80	10	financial	financial	ADJ
easat-2280	80	11	attitude	attitude	NOUN
easat-2280	80	12	that	that	PRON
easat-2280	80	13	may	may	AUX
easat-2280	80	14	help	help	VERB
easat-2280	80	15	define	define	VERB
easat-2280	80	16	a	a	DET
easat-2280	80	17	person	person	NOUN
easat-2280	80	18	and	and	CCONJ
easat-2280	80	19	his	his	PRON
easat-2280	80	20	or	or	CCONJ
easat-2280	80	21	her	her	PRON
easat-2280	80	22	reactions	reaction	NOUN
easat-2280	80	23	to	to	ADP
easat-2280	80	24	financial	financial	ADJ
easat-2280	80	25	problems	problem	NOUN
easat-2280	80	26	or	or	CCONJ
easat-2280	80	27	choices	choice	NOUN
easat-2280	80	28	(	(	PUNCT
easat-2280	80	29	sesini	sesini	ADJ
easat-2280	80	30	&	&	CCONJ
easat-2280	80	31	lozza	lozza	PROPN
easat-2280	80	32	,	,	PUNCT
easat-2280	80	33	2023);(bhargava	2023);(bhargava	NUM
easat-2280	80	34	et	et	NOUN
easat-2280	80	35	al	al	PROPN
easat-2280	80	36	.	.	PROPN
easat-2280	80	37	,	,	PUNCT
easat-2280	80	38	2022	2022	NUM
easat-2280	80	39	)	)	PUNCT
easat-2280	80	40	.	.	PUNCT
easat-2280	81	1	that	that	PRON
easat-2280	81	2	is	be	AUX
easat-2280	81	3	why	why	SCONJ
easat-2280	81	4	it	it	PRON
easat-2280	81	5	is	be	AUX
easat-2280	81	6	important	important	ADJ
easat-2280	81	7	to	to	PART
easat-2280	81	8	know	know	VERB
easat-2280	81	9	how	how	SCONJ
easat-2280	81	10	personality	personality	NOUN
easat-2280	81	11	affects	affect	VERB
easat-2280	81	12	the	the	DET
easat-2280	81	13	observed	observed	ADJ
easat-2280	81	14	financial	financial	ADJ
easat-2280	81	15	behavior	behavior	NOUN
easat-2280	81	16	.	.	PUNCT
easat-2280	82	1	therefore	therefore	ADV
easat-2280	82	2	,	,	PUNCT
easat-2280	82	3	it	it	PRON
easat-2280	82	4	can	can	AUX
easat-2280	82	5	be	be	AUX
easat-2280	82	6	stated	state	VERB
easat-2280	82	7	that	that	SCONJ
easat-2280	82	8	people	people	NOUN
easat-2280	82	9	’s	’s	PART
easat-2280	82	10	personality	personality	NOUN
easat-2280	82	11	characteristics	characteristic	NOUN
easat-2280	82	12	define	define	VERB
easat-2280	82	13	the	the	DET
easat-2280	82	14	nature	nature	NOUN
easat-2280	82	15	of	of	ADP
easat-2280	82	16	their	their	PRON
easat-2280	82	17	financial	financial	ADJ
easat-2280	82	18	behavior	behavior	NOUN
easat-2280	82	19	.	.	PUNCT
easat-2280	83	1	appreciating	appreciate	VERB
easat-2280	83	2	such	such	DET
easat-2280	83	3	a	a	DET
easat-2280	83	4	relationship	relationship	NOUN
easat-2280	83	5	helps	help	VERB
easat-2280	83	6	people	people	NOUN
easat-2280	83	7	to	to	PART
easat-2280	83	8	point	point	VERB
easat-2280	83	9	to	to	ADP
easat-2280	83	10	actions	action	NOUN
easat-2280	83	11	that	that	PRON
easat-2280	83	12	are	be	AUX
easat-2280	83	13	in	in	ADP
easat-2280	83	14	line	line	NOUN
easat-2280	83	15	with	with	ADP
easat-2280	83	16	their	their	PRON
easat-2280	83	17	financial	financial	ADJ
easat-2280	83	18	objectives	objective	NOUN
easat-2280	83	19	,	,	PUNCT
easat-2280	83	20	as	as	ADV
easat-2280	83	21	well	well	ADV
easat-2280	83	22	as	as	ADP
easat-2280	83	23	noble	noble	ADJ
easat-2280	83	24	demeanors	demeanor	NOUN
easat-2280	83	25	towards	towards	ADP
easat-2280	83	26	the	the	DET
easat-2280	83	27	issue	issue	NOUN
easat-2280	83	28	of	of	ADP
easat-2280	83	29	money	money	NOUN
easat-2280	83	30	.	.	PUNCT
easat-2280	84	1	1581	1581	NUM
easat-2280	84	2	edelweiss	edelweiss	PROPN
easat-2280	84	3	applied	apply	VERB
easat-2280	84	4	science	science	NOUN
easat-2280	84	5	and	and	CCONJ
easat-2280	84	6	technology	technology	NOUN
easat-2280	84	7	issn	issn	PROPN
easat-2280	84	8	:	:	PUNCT
easat-2280	84	9	2576	2576	NUM
easat-2280	84	10	-	-	SYM
easat-2280	84	11	8484	8484	NUM
easat-2280	84	12	vol	vol	NOUN
easat-2280	84	13	.	.	PROPN
easat-2280	84	14	8	8	NUM
easat-2280	84	15	,	,	PUNCT
easat-2280	84	16	no	no	INTJ
easat-2280	84	17	.	.	NOUN
easat-2280	84	18	6	6	NUM
easat-2280	84	19	:	:	SYM
easat-2280	84	20	1577	1577	NUM
easat-2280	84	21	-	-	SYM
easat-2280	84	22	1597	1597	NUM
easat-2280	84	23	,	,	PUNCT
easat-2280	84	24	2024	2024	NUM
easat-2280	84	25	doi	doi	NOUN
easat-2280	84	26	:	:	PUNCT
easat-2280	84	27	10.55214/25768484.v8i6.2280	10.55214/25768484.v8i6.2280	NUM
easat-2280	84	28	©	©	PROPN
easat-2280	84	29	2024	2024	NUM
easat-2280	84	30	by	by	ADP
easat-2280	84	31	the	the	DET
easat-2280	84	32	authors	author	NOUN
easat-2280	84	33	;	;	PUNCT
easat-2280	84	34	licensee	licensee	PROPN
easat-2280	84	35	learning	learning	NOUN
easat-2280	84	36	gate	gate	PROPN
easat-2280	84	37	according	accord	VERB
easat-2280	84	38	to	to	ADP
easat-2280	84	39	brooks	brooks	PROPN
easat-2280	84	40	&	&	CCONJ
easat-2280	84	41	williams	williams	PROPN
easat-2280	84	42	(	(	PUNCT
easat-2280	84	43	2021	2021	NUM
easat-2280	84	44	)	)	PUNCT
easat-2280	84	45	,	,	PUNCT
easat-2280	84	46	the	the	DET
easat-2280	84	47	aspects	aspect	NOUN
easat-2280	84	48	of	of	ADP
easat-2280	84	49	personality	personality	NOUN
easat-2280	84	50	profiles	profile	NOUN
easat-2280	84	51	bear	bear	VERB
easat-2280	84	52	more	more	ADJ
easat-2280	84	53	importance	importance	NOUN
easat-2280	84	54	as	as	SCONJ
easat-2280	84	55	compared	compare	VERB
easat-2280	84	56	to	to	ADP
easat-2280	84	57	the	the	DET
easat-2280	84	58	feelings	feeling	NOUN
easat-2280	84	59	.	.	PUNCT
easat-2280	85	1	golestan	golestan	PROPN
easat-2280	85	2	et	et	PROPN
easat-2280	85	3	al	al	PROPN
easat-2280	85	4	.	.	PROPN
easat-2280	85	5	,	,	PUNCT
easat-2280	85	6	(	(	PUNCT
easat-2280	85	7	2014	2014	NUM
easat-2280	85	8	)	)	PUNCT
easat-2280	85	9	have	have	AUX
easat-2280	85	10	concluded	conclude	VERB
easat-2280	85	11	that	that	SCONJ
easat-2280	85	12	personality	personality	NOUN
easat-2280	85	13	traits	trait	NOUN
easat-2280	85	14	involving	involve	VERB
easat-2280	85	15	extraversion	extraversion	NOUN
easat-2280	85	16	,	,	PUNCT
easat-2280	85	17	agreeableness	agreeableness	NOUN
easat-2280	85	18	,	,	PUNCT
easat-2280	85	19	openness	openness	NOUN
easat-2280	85	20	and	and	CCONJ
easat-2280	85	21	conscientiousness	conscientiousness	NOUN
easat-2280	85	22	results	result	NOUN
easat-2280	85	23	in	in	ADP
easat-2280	85	24	a	a	DET
easat-2280	85	25	positive	positive	ADJ
easat-2280	85	26	attitude	attitude	NOUN
easat-2280	85	27	towards	towards	ADP
easat-2280	85	28	people	people	NOUN
easat-2280	85	29	.	.	PUNCT
easat-2280	86	1	in	in	ADP
easat-2280	86	2	addition	addition	NOUN
easat-2280	86	3	,	,	PUNCT
easat-2280	86	4	when	when	SCONJ
easat-2280	86	5	considering	consider	VERB
easat-2280	86	6	the	the	DET
easat-2280	86	7	financial	financial	ADJ
easat-2280	86	8	factor	factor	NOUN
easat-2280	86	9	,	,	PUNCT
easat-2280	86	10	the	the	DET
easat-2280	86	11	personality	personality	NOUN
easat-2280	86	12	has	have	AUX
easat-2280	86	13	been	be	AUX
easat-2280	86	14	synthesized	synthesize	VERB
easat-2280	86	15	with	with	ADP
easat-2280	86	16	attitudes	attitude	NOUN
easat-2280	86	17	and	and	CCONJ
easat-2280	86	18	behaviors	behavior	NOUN
easat-2280	86	19	in	in	ADP
easat-2280	86	20	broad	broad	ADJ
easat-2280	86	21	terms	term	NOUN
easat-2280	86	22	(	(	PUNCT
easat-2280	86	23	aziz	aziz	PROPN
easat-2280	86	24	&	&	CCONJ
easat-2280	86	25	zoraya	zoraya	PROPN
easat-2280	86	26	,	,	PUNCT
easat-2280	86	27	2024	2024	NUM
easat-2280	86	28	)	)	PUNCT
easat-2280	86	29	.	.	PUNCT
easat-2280	87	1	therefore	therefore	ADV
easat-2280	87	2	,	,	PUNCT
easat-2280	87	3	we	we	PRON
easat-2280	87	4	hypothesize	hypothesize	VERB
easat-2280	87	5	the	the	DET
easat-2280	87	6	following	following	NOUN
easat-2280	87	7	:	:	PUNCT
easat-2280	87	8	h4	h4	NOUN
easat-2280	87	9	:	:	PUNCT
easat-2280	87	10	personality	personality	NOUN
easat-2280	87	11	traits	trait	NOUN
easat-2280	87	12	have	have	VERB
easat-2280	87	13	a	a	DET
easat-2280	87	14	significant	significant	ADJ
easat-2280	87	15	influence	influence	NOUN
easat-2280	87	16	on	on	ADP
easat-2280	87	17	financial	financial	ADJ
easat-2280	87	18	attitudes	attitude	NOUN
easat-2280	87	19	among	among	ADP
easat-2280	87	20	naval	naval	ADJ
easat-2280	87	21	families	family	NOUN
easat-2280	87	22	at	at	ADP
easat-2280	87	23	hera	hera	PROPN
easat-2280	87	24	naval	naval	PROPN
easat-2280	87	25	base	base	PROPN
easat-2280	87	26	,	,	PUNCT
easat-2280	87	27	timor	timor	PROPN
easat-2280	87	28	-	-	PUNCT
easat-2280	87	29	leste	leste	PROPN
easat-2280	87	30	.	.	PUNCT
easat-2280	88	1	2.2.5	2.2.5	X
easat-2280	88	2	.	.	PUNCT
easat-2280	89	1	the	the	DET
easat-2280	89	2	influence	influence	NOUN
easat-2280	89	3	of	of	ADP
easat-2280	89	4	personality	personality	NOUN
easat-2280	89	5	traits	trait	NOUN
easat-2280	89	6	on	on	ADP
easat-2280	89	7	personal	personal	ADJ
easat-2280	89	8	saving	saving	NOUN
easat-2280	89	9	orientation	orientation	NOUN
easat-2280	89	10	personal	personal	ADJ
easat-2280	89	11	saving	saving	NOUN
easat-2280	89	12	orientation	orientation	NOUN
easat-2280	89	13	,	,	PUNCT
easat-2280	89	14	(	(	PUNCT
easat-2280	89	15	pso	pso	NOUN
easat-2280	89	16	)	)	PUNCT
easat-2280	89	17	means	mean	VERB
easat-2280	89	18	how	how	SCONJ
easat-2280	89	19	people	people	NOUN
easat-2280	89	20	perceive	perceive	VERB
easat-2280	89	21	saving	save	VERB
easat-2280	89	22	their	their	PRON
easat-2280	89	23	money	money	NOUN
easat-2280	89	24	or	or	CCONJ
easat-2280	89	25	providing	provide	VERB
easat-2280	89	26	funds	fund	NOUN
easat-2280	89	27	for	for	ADP
easat-2280	89	28	certain	certain	ADJ
easat-2280	89	29	objectives	objective	NOUN
easat-2280	89	30	within	within	ADP
easat-2280	89	31	stipulated	stipulate	VERB
easat-2280	89	32	time	time	NOUN
easat-2280	89	33	horizons	horizon	NOUN
easat-2280	89	34	(	(	PUNCT
easat-2280	89	35	price	price	NOUN
easat-2280	89	36	,	,	PUNCT
easat-2280	89	37	2020	2020	NUM
easat-2280	89	38	)	)	PUNCT
easat-2280	89	39	.	.	PUNCT
easat-2280	90	1	some	some	PRON
easat-2280	90	2	of	of	ADP
easat-2280	90	3	the	the	DET
easat-2280	90	4	factors	factor	NOUN
easat-2280	90	5	,	,	PUNCT
easat-2280	90	6	which	which	PRON
easat-2280	90	7	can	can	AUX
easat-2280	90	8	influence	influence	VERB
easat-2280	90	9	a	a	DET
easat-2280	90	10	particular	particular	ADJ
easat-2280	90	11	person	person	NOUN
easat-2280	90	12	with	with	ADP
easat-2280	90	13	regard	regard	NOUN
easat-2280	90	14	to	to	ADP
easat-2280	90	15	the	the	DET
easat-2280	90	16	idea	idea	NOUN
easat-2280	90	17	of	of	ADP
easat-2280	90	18	saving	save	VERB
easat-2280	90	19	one	one	NUM
easat-2280	90	20	of	of	ADP
easat-2280	90	21	them	they	PRON
easat-2280	90	22	,	,	PUNCT
easat-2280	90	23	are	be	AUX
easat-2280	90	24	personality	personality	NOUN
easat-2280	90	25	.	.	PUNCT
easat-2280	91	1	examining	examine	VERB
easat-2280	91	2	personal	personal	ADJ
easat-2280	91	3	attributes	attribute	NOUN
easat-2280	91	4	which	which	PRON
easat-2280	91	5	are	be	AUX
easat-2280	91	6	characteristics	characteristic	NOUN
easat-2280	91	7	that	that	PRON
easat-2280	91	8	define	define	VERB
easat-2280	91	9	a	a	DET
easat-2280	91	10	person	person	NOUN
easat-2280	91	11	and	and	CCONJ
easat-2280	91	12	predispose	predispose	VERB
easat-2280	91	13	him	he	PRON
easat-2280	91	14	to	to	ADP
easat-2280	91	15	certain	certain	ADJ
easat-2280	91	16	behavior	behavior	NOUN
easat-2280	91	17	may	may	AUX
easat-2280	91	18	offer	offer	VERB
easat-2280	91	19	an	an	DET
easat-2280	91	20	understanding	understanding	NOUN
easat-2280	91	21	on	on	ADP
easat-2280	91	22	money	money	NOUN
easat-2280	91	23	-	-	PUNCT
easat-2280	91	24	saving	save	VERB
easat-2280	91	25	orientation	orientation	NOUN
easat-2280	91	26	.	.	PUNCT
easat-2280	92	1	according	accord	VERB
easat-2280	92	2	to	to	ADP
easat-2280	92	3	the	the	DET
easat-2280	92	4	past	past	ADJ
easat-2280	92	5	studies	study	NOUN
easat-2280	92	6	it	it	PRON
easat-2280	92	7	has	have	AUX
easat-2280	92	8	been	be	AUX
easat-2280	92	9	seen	see	VERB
easat-2280	92	10	that	that	SCONJ
easat-2280	92	11	attitude	attitude	NOUN
easat-2280	92	12	can	can	AUX
easat-2280	92	13	affect	affect	VERB
easat-2280	92	14	the	the	DET
easat-2280	92	15	money	money	NOUN
easat-2280	92	16	saving	save	VERB
easat-2280	92	17	orientation	orientation	NOUN
easat-2280	92	18	(	(	PUNCT
easat-2280	92	19	sesini	sesini	PROPN
easat-2280	92	20	&	&	CCONJ
easat-2280	92	21	lozza	lozza	PROPN
easat-2280	92	22	,	,	PUNCT
easat-2280	92	23	2023	2023	NUM
easat-2280	92	24	)	)	PUNCT
easat-2280	92	25	.	.	PUNCT
easat-2280	93	1	for	for	ADP
easat-2280	93	2	instance	instance	NOUN
easat-2280	93	3	,	,	PUNCT
easat-2280	93	4	it	it	PRON
easat-2280	93	5	has	have	AUX
easat-2280	93	6	been	be	AUX
easat-2280	93	7	realised	realise	VERB
easat-2280	93	8	that	that	SCONJ
easat-2280	93	9	there	there	PRON
easat-2280	93	10	is	be	VERB
easat-2280	93	11	a	a	DET
easat-2280	93	12	correlation	correlation	NOUN
easat-2280	93	13	between	between	ADP
easat-2280	93	14	money	money	NOUN
easat-2280	93	15	saving	save	VERB
easat-2280	93	16	orientation	orientation	NOUN
easat-2280	93	17	and	and	CCONJ
easat-2280	93	18	neuroticism	neuroticism	NOUN
easat-2280	93	19	or	or	CCONJ
easat-2280	93	20	anxiety	anxiety	NOUN
easat-2280	93	21	(	(	PUNCT
easat-2280	93	22	sesini	sesini	PROPN
easat-2280	93	23	&	&	CCONJ
easat-2280	93	24	lozza	lozza	PROPN
easat-2280	93	25	,	,	PUNCT
easat-2280	93	26	2023	2023	NUM
easat-2280	93	27	)	)	PUNCT
easat-2280	93	28	.	.	PUNCT
easat-2280	94	1	on	on	ADP
easat-2280	94	2	the	the	DET
easat-2280	94	3	other	other	ADJ
easat-2280	94	4	hand	hand	NOUN
easat-2280	94	5	,	,	PUNCT
easat-2280	94	6	people	people	NOUN
easat-2280	94	7	with	with	ADP
easat-2280	94	8	personality	personality	NOUN
easat-2280	94	9	characteristics	characteristic	NOUN
easat-2280	94	10	,	,	PUNCT
easat-2280	94	11	which	which	PRON
easat-2280	94	12	could	could	AUX
easat-2280	94	13	be	be	AUX
easat-2280	94	14	related	relate	VERB
easat-2280	94	15	to	to	AUX
easat-2280	94	16	extrovert	extrovert	VERB
easat-2280	94	17	or	or	CCONJ
easat-2280	94	18	extravert	extravert	ADJ
easat-2280	94	19	personality	personality	NOUN
easat-2280	94	20	have	have	VERB
easat-2280	94	21	low	low	ADJ
easat-2280	94	22	money	money	NOUN
easat-2280	94	23	saving	saving	NOUN
easat-2280	94	24	style	style	NOUN
easat-2280	94	25	.	.	PUNCT
easat-2280	95	1	another	another	DET
easat-2280	95	2	personality	personality	NOUN
easat-2280	95	3	type	type	NOUN
easat-2280	95	4	that	that	PRON
easat-2280	95	5	has	have	AUX
easat-2280	95	6	been	be	AUX
easat-2280	95	7	found	find	VERB
easat-2280	95	8	anticipate	anticipate	VERB
easat-2280	95	9	a	a	DET
easat-2280	95	10	person	person	NOUN
easat-2280	95	11	’s	’s	PART
easat-2280	95	12	money	money	NOUN
easat-2280	95	13	-	-	PUNCT
easat-2280	95	14	saving	save	VERB
easat-2280	95	15	orientation	orientation	NOUN
easat-2280	95	16	is	be	AUX
easat-2280	95	17	conscientiousness	conscientiousness	NOUN
easat-2280	95	18	,	,	PUNCT
easat-2280	95	19	which	which	PRON
easat-2280	95	20	may	may	AUX
easat-2280	95	21	be	be	AUX
easat-2280	95	22	described	describe	VERB
easat-2280	95	23	as	as	ADP
easat-2280	95	24	responsibility	responsibility	NOUN
easat-2280	95	25	and	and	CCONJ
easat-2280	95	26	orderliness	orderliness	NOUN
easat-2280	95	27	.	.	PUNCT
easat-2280	96	1	as	as	ADP
easat-2280	96	2	a	a	DET
easat-2280	96	3	result	result	NOUN
easat-2280	96	4	,	,	PUNCT
easat-2280	96	5	such	such	ADJ
easat-2280	96	6	people	people	NOUN
easat-2280	96	7	will	will	AUX
easat-2280	96	8	save	save	VERB
easat-2280	96	9	more	more	ADJ
easat-2280	96	10	money	money	NOUN
easat-2280	96	11	as	as	SCONJ
easat-2280	96	12	compared	compare	VERB
easat-2280	96	13	to	to	ADP
easat-2280	96	14	the	the	DET
easat-2280	96	15	other	other	ADJ
easat-2280	96	16	people	people	NOUN
easat-2280	96	17	due	due	ADP
easat-2280	96	18	to	to	ADP
easat-2280	96	19	their	their	PRON
easat-2280	96	20	well	well	ADV
easat-2280	96	21	–	–	PUNCT
easat-2280	96	22	organized	organized	ADJ
easat-2280	96	23	and	and	CCONJ
easat-2280	96	24	matured	mature	VERB
easat-2280	96	25	money	money	NOUN
easat-2280	96	26	saving	save	VERB
easat-2280	96	27	planning	planning	NOUN
easat-2280	96	28	greene	greene	PROPN
easat-2280	96	29	et	et	PROPN
easat-2280	96	30	al	al	PROPN
easat-2280	96	31	.	.	PROPN
easat-2280	96	32	,	,	PUNCT
easat-2280	96	33	2023	2023	NUM
easat-2280	96	34	)	)	PUNCT
easat-2280	96	35	.	.	PUNCT
easat-2280	97	1	in	in	ADP
easat-2280	97	2	brannon	brannon	PROPN
easat-2280	97	3	&	&	CCONJ
easat-2280	97	4	manshad	manshad	VERB
easat-2280	97	5	,	,	PUNCT
easat-2280	97	6	(	(	PUNCT
easat-2280	97	7	2022	2022	NUM
easat-2280	97	8	)	)	PUNCT
easat-2280	97	9	,	,	PUNCT
easat-2280	97	10	personal	personal	ADJ
easat-2280	97	11	saving	saving	NOUN
easat-2280	97	12	orientation	orientation	NOUN
easat-2280	97	13	(	(	PUNCT
easat-2280	97	14	pso	pso	NOUN
easat-2280	97	15	)	)	PUNCT
easat-2280	97	16	was	be	AUX
easat-2280	97	17	proved	prove	VERB
easat-2280	97	18	to	to	PART
easat-2280	97	19	be	be	AUX
easat-2280	97	20	a	a	DET
easat-2280	97	21	strong	strong	ADJ
easat-2280	97	22	personality	personality	NOUN
easat-2280	97	23	characteristic	characteristic	NOUN
easat-2280	97	24	that	that	PRON
easat-2280	97	25	affects	affect	VERB
easat-2280	97	26	the	the	DET
easat-2280	97	27	financial	financial	ADJ
easat-2280	97	28	results	result	NOUN
easat-2280	97	29	because	because	SCONJ
easat-2280	97	30	there	there	PRON
easat-2280	97	31	is	be	VERB
easat-2280	97	32	a	a	DET
easat-2280	97	33	direct	direct	ADJ
easat-2280	97	34	relation	relation	NOUN
easat-2280	97	35	between	between	ADP
easat-2280	97	36	this	this	DET
easat-2280	97	37	aspect	aspect	NOUN
easat-2280	97	38	and	and	CCONJ
easat-2280	97	39	savings	saving	NOUN
easat-2280	97	40	.	.	PUNCT
easat-2280	98	1	according	accord	VERB
easat-2280	98	2	to	to	ADP
easat-2280	98	3	the	the	DET
easat-2280	98	4	research	research	NOUN
easat-2280	98	5	done	do	VERB
easat-2280	98	6	by	by	ADP
easat-2280	98	7	gerhard	gerhard	PROPN
easat-2280	98	8	et	et	PROPN
easat-2280	98	9	al	al	PROPN
easat-2280	98	10	.	.	PROPN
easat-2280	98	11	,	,	PUNCT
easat-2280	98	12	(	(	PUNCT
easat-2280	98	13	2018	2018	NUM
easat-2280	98	14	)	)	PUNCT
easat-2280	98	15	,	,	PUNCT
easat-2280	98	16	attitudes	attitude	NOUN
easat-2280	98	17	of	of	ADP
easat-2280	98	18	the	the	DET
easat-2280	98	19	people	people	NOUN
easat-2280	98	20	towards	towards	ADP
easat-2280	98	21	saving	saving	NOUN
easat-2280	98	22	are	be	AUX
easat-2280	98	23	determined	determine	VERB
easat-2280	98	24	by	by	ADP
easat-2280	98	25	their	their	PRON
easat-2280	98	26	personality	personality	NOUN
easat-2280	98	27	in	in	ADP
easat-2280	98	28	a	a	DET
easat-2280	98	29	very	very	ADV
easat-2280	98	30	clear	clear	ADJ
easat-2280	98	31	and	and	CCONJ
easat-2280	98	32	direct	direct	ADJ
easat-2280	98	33	way	way	NOUN
easat-2280	98	34	.	.	PUNCT
easat-2280	99	1	therefore	therefore	ADV
easat-2280	99	2	,	,	PUNCT
easat-2280	99	3	the	the	DET
easat-2280	99	4	following	follow	VERB
easat-2280	99	5	hypothesis	hypothesis	NOUN
easat-2280	99	6	can	can	AUX
easat-2280	99	7	be	be	AUX
easat-2280	99	8	proposed	propose	VERB
easat-2280	99	9	:	:	PUNCT
easat-2280	99	10	h5	h5	NOUN
easat-2280	99	11	:	:	PUNCT
easat-2280	99	12	personality	personality	NOUN
easat-2280	99	13	traits	trait	NOUN
easat-2280	99	14	have	have	VERB
easat-2280	99	15	a	a	DET
easat-2280	99	16	significant	significant	ADJ
easat-2280	99	17	influence	influence	NOUN
easat-2280	99	18	on	on	ADP
easat-2280	99	19	personal	personal	ADJ
easat-2280	99	20	saving	saving	NOUN
easat-2280	99	21	orientation	orientation	NOUN
easat-2280	99	22	among	among	ADP
easat-2280	99	23	naval	naval	ADJ
easat-2280	99	24	families	family	NOUN
easat-2280	99	25	at	at	ADP
easat-2280	99	26	hera	hera	PROPN
easat-2280	99	27	naval	naval	PROPN
easat-2280	99	28	base	base	PROPN
easat-2280	99	29	,	,	PUNCT
easat-2280	99	30	timorleste	timorleste	NOUN
easat-2280	99	31	.	.	PUNCT
easat-2280	100	1	2.2.6	2.2.6	NUM
easat-2280	100	2	.	.	PUNCT
easat-2280	101	1	the	the	DET
easat-2280	101	2	influence	influence	NOUN
easat-2280	101	3	of	of	ADP
easat-2280	101	4	personality	personality	NOUN
easat-2280	101	5	traits	trait	NOUN
easat-2280	101	6	on	on	ADP
easat-2280	101	7	family	family	NOUN
easat-2280	101	8	financial	financial	ADJ
easat-2280	101	9	planning	planning	NOUN
easat-2280	101	10	it	it	PRON
easat-2280	101	11	involves	involve	VERB
easat-2280	101	12	planning	plan	VERB
easat-2280	101	13	and	and	CCONJ
easat-2280	101	14	managing	manage	VERB
easat-2280	101	15	a	a	DET
easat-2280	101	16	family	family	NOUN
easat-2280	101	17	's	's	PART
easat-2280	101	18	finances	finance	NOUN
easat-2280	101	19	for	for	ADP
easat-2280	101	20	the	the	DET
easat-2280	101	21	future	future	NOUN
easat-2280	101	22	,	,	PUNCT
easat-2280	101	23	where	where	SCONJ
easat-2280	101	24	the	the	DET
easat-2280	101	25	family	family	NOUN
easat-2280	101	26	makes	make	VERB
easat-2280	101	27	money	money	NOUN
easat-2280	101	28	decisions	decision	NOUN
easat-2280	101	29	to	to	PART
easat-2280	101	30	achieve	achieve	VERB
easat-2280	101	31	its	its	PRON
easat-2280	101	32	goals	goal	NOUN
easat-2280	101	33	.	.	PUNCT
easat-2280	102	1	there	there	PRON
easat-2280	102	2	is	be	VERB
easat-2280	102	3	the	the	DET
easat-2280	102	4	need	need	NOUN
easat-2280	102	5	to	to	PART
easat-2280	102	6	understand	understand	VERB
easat-2280	102	7	that	that	DET
easat-2280	102	8	personality	personality	NOUN
easat-2280	102	9	factors	factor	NOUN
easat-2280	102	10	or	or	CCONJ
easat-2280	102	11	personality	personality	NOUN
easat-2280	102	12	factors	factor	NOUN
easat-2280	102	13	of	of	ADP
easat-2280	102	14	family	family	NOUN
easat-2280	102	15	members	member	NOUN
easat-2280	102	16	play	play	VERB
easat-2280	102	17	an	an	DET
easat-2280	102	18	important	important	ADJ
easat-2280	102	19	role	role	NOUN
easat-2280	102	20	in	in	ADP
easat-2280	102	21	the	the	DET
easat-2280	102	22	process	process	NOUN
easat-2280	102	23	of	of	ADP
easat-2280	102	24	making	make	VERB
easat-2280	102	25	a	a	DET
easat-2280	102	26	financial	financial	ADJ
easat-2280	102	27	plan	plan	NOUN
easat-2280	102	28	and	and	CCONJ
easat-2280	102	29	the	the	DET
easat-2280	102	30	financial	financial	ADJ
easat-2280	102	31	outcomes	outcome	NOUN
easat-2280	102	32	of	of	ADP
easat-2280	102	33	the	the	DET
easat-2280	102	34	family	family	NOUN
easat-2280	102	35	(	(	PUNCT
easat-2280	102	36	wicaksono	wicaksono	NOUN
easat-2280	102	37	et	et	PROPN
easat-2280	102	38	al	al	PROPN
easat-2280	102	39	.	.	PROPN
easat-2280	102	40	,	,	PUNCT
easat-2280	102	41	2022	2022	NUM
easat-2280	102	42	)	)	PUNCT
easat-2280	102	43	.	.	PUNCT
easat-2280	103	1	for	for	ADP
easat-2280	103	2	instance	instance	NOUN
easat-2280	103	3	,	,	PUNCT
easat-2280	103	4	individuals	individual	NOUN
easat-2280	103	5	with	with	ADP
easat-2280	103	6	neurotic	neurotic	ADJ
easat-2280	103	7	or	or	CCONJ
easat-2280	103	8	anxious	anxious	ADJ
easat-2280	103	9	traits	trait	NOUN
easat-2280	103	10	often	often	ADV
easat-2280	103	11	make	make	VERB
easat-2280	103	12	cautious	cautious	ADJ
easat-2280	103	13	and	and	CCONJ
easat-2280	103	14	conservative	conservative	ADJ
easat-2280	103	15	choices	choice	NOUN
easat-2280	103	16	about	about	ADP
easat-2280	103	17	family	family	NOUN
easat-2280	103	18	finances	finance	NOUN
easat-2280	103	19	.	.	PUNCT
easat-2280	104	1	it	it	PRON
easat-2280	104	2	is	be	AUX
easat-2280	104	3	more	more	ADV
easat-2280	104	4	comfortable	comfortable	ADJ
easat-2280	104	5	for	for	SCONJ
easat-2280	104	6	them	they	PRON
easat-2280	104	7	to	to	PART
easat-2280	104	8	keep	keep	VERB
easat-2280	104	9	their	their	PRON
easat-2280	104	10	money	money	NOUN
easat-2280	104	11	in	in	ADP
easat-2280	104	12	savings	saving	NOUN
easat-2280	104	13	than	than	SCONJ
easat-2280	104	14	use	use	VERB
easat-2280	104	15	it	it	PRON
easat-2280	104	16	to	to	PART
easat-2280	104	17	invest	invest	VERB
easat-2280	104	18	–	–	PUNCT
easat-2280	104	19	even	even	ADV
easat-2280	104	20	if	if	SCONJ
easat-2280	104	21	family	family	NOUN
easat-2280	104	22	does	do	AUX
easat-2280	104	23	not	not	PART
easat-2280	104	24	get	get	VERB
easat-2280	104	25	biggest	big	ADJ
easat-2280	104	26	benefits	benefit	NOUN
easat-2280	104	27	(	(	PUNCT
easat-2280	104	28	mutlu	mutlu	PROPN
easat-2280	104	29	&	&	CCONJ
easat-2280	104	30	ozer	ozer	NOUN
easat-2280	104	31	,	,	PUNCT
easat-2280	104	32	2019	2019	NUM
easat-2280	104	33	)	)	PUNCT
easat-2280	104	34	.	.	PUNCT
easat-2280	105	1	on	on	ADP
easat-2280	105	2	the	the	DET
easat-2280	105	3	other	other	ADJ
easat-2280	105	4	hand	hand	NOUN
easat-2280	105	5	,	,	PUNCT
easat-2280	105	6	the	the	DET
easat-2280	105	7	subjects	subject	NOUN
easat-2280	105	8	who	who	PRON
easat-2280	105	9	possess	possess	VERB
easat-2280	105	10	the	the	DET
easat-2280	105	11	type	type	NOUN
easat-2280	105	12	of	of	ADP
easat-2280	105	13	personality	personality	NOUN
easat-2280	105	14	that	that	PRON
easat-2280	105	15	has	have	VERB
easat-2280	105	16	a	a	DET
easat-2280	105	17	tendency	tendency	NOUN
easat-2280	105	18	towards	towards	ADP
easat-2280	105	19	extraversion	extraversion	NOUN
easat-2280	105	20	or	or	CCONJ
easat-2280	105	21	extroverted	extroverted	ADJ
easat-2280	105	22	type	type	NOUN
easat-2280	105	23	make	make	NOUN
easat-2280	105	24	decisions	decision	NOUN
easat-2280	105	25	which	which	PRON
easat-2280	105	26	are	be	AUX
easat-2280	105	27	more	more	ADV
easat-2280	105	28	coercive	coercive	ADJ
easat-2280	105	29	towards	towards	ADP
easat-2280	105	30	family	family	NOUN
easat-2280	105	31	expenditure	expenditure	NOUN
easat-2280	105	32	as	as	ADV
easat-2280	105	33	well	well	ADV
easat-2280	105	34	as	as	SCONJ
easat-2280	105	35	they	they	PRON
easat-2280	105	36	are	be	AUX
easat-2280	105	37	more	more	ADV
easat-2280	105	38	willing	willing	ADJ
easat-2280	105	39	to	to	PART
easat-2280	105	40	take	take	VERB
easat-2280	105	41	risks	risk	NOUN
easat-2280	105	42	in	in	ADP
easat-2280	105	43	investments	investment	NOUN
easat-2280	105	44	(	(	PUNCT
easat-2280	105	45	ishfaq	ishfaq	NOUN
easat-2280	105	46	et	et	PROPN
easat-2280	105	47	al	al	PROPN
easat-2280	105	48	.	.	PROPN
easat-2280	105	49	,	,	PUNCT
easat-2280	105	50	2020	2020	NUM
easat-2280	105	51	)	)	PUNCT
easat-2280	105	52	.	.	PUNCT
easat-2280	106	1	essentially	essentially	ADV
easat-2280	106	2	,	,	PUNCT
easat-2280	106	3	personality	personality	NOUN
easat-2280	106	4	traits	trait	NOUN
easat-2280	106	5	have	have	VERB
easat-2280	106	6	a	a	DET
easat-2280	106	7	significant	significant	ADJ
easat-2280	106	8	impact	impact	NOUN
easat-2280	106	9	on	on	ADP
easat-2280	106	10	family	family	NOUN
easat-2280	106	11	financial	financial	ADJ
easat-2280	106	12	planning	planning	NOUN
easat-2280	106	13	and	and	CCONJ
easat-2280	106	14	all	all	DET
easat-2280	106	15	financial	financial	ADJ
easat-2280	106	16	decisions	decision	NOUN
easat-2280	106	17	within	within	ADP
easat-2280	106	18	the	the	DET
easat-2280	106	19	family	family	NOUN
easat-2280	106	20	.	.	PUNCT
easat-2280	107	1	hence	hence	ADV
easat-2280	107	2	,	,	PUNCT
easat-2280	107	3	families	family	NOUN
easat-2280	107	4	must	must	AUX
easat-2280	107	5	recognize	recognize	VERB
easat-2280	107	6	and	and	CCONJ
easat-2280	107	7	consider	consider	VERB
easat-2280	107	8	personality	personality	NOUN
easat-2280	107	9	factors	factor	NOUN
easat-2280	107	10	when	when	SCONJ
easat-2280	107	11	engaging	engage	VERB
easat-2280	107	12	in	in	ADP
easat-2280	107	13	family	family	NOUN
easat-2280	107	14	financial	financial	ADJ
easat-2280	107	15	planning	planning	NOUN
easat-2280	107	16	(	(	PUNCT
easat-2280	107	17	wann	wann	PROPN
easat-2280	107	18	&	&	CCONJ
easat-2280	107	19	burke	burke	PROPN
easat-2280	107	20	-	-	PUNCT
easat-2280	107	21	smalley	smalley	PROPN
easat-2280	107	22	,	,	PUNCT
easat-2280	107	23	2023	2023	NUM
easat-2280	107	24	)	)	PUNCT
easat-2280	107	25	.	.	PUNCT
easat-2280	108	1	in	in	ADP
easat-2280	108	2	this	this	DET
easat-2280	108	3	regard	regard	NOUN
easat-2280	108	4	,	,	PUNCT
easat-2280	108	5	wicaksono	wicaksono	X
easat-2280	108	6	et	et	PROPN
easat-2280	108	7	al	al	PROPN
easat-2280	108	8	.	.	PROPN
easat-2280	109	1	(	(	PUNCT
easat-2280	109	2	2022	2022	NUM
easat-2280	109	3	)	)	PUNCT
easat-2280	109	4	for	for	ADP
easat-2280	109	5	instance	instance	NOUN
easat-2280	109	6	(	(	PUNCT
easat-2280	109	7	k	k	PROPN
easat-2280	109	8	h	h	PROPN
easat-2280	109	9	k	k	PROPN
easat-2280	109	10	yeo	yeo	PROPN
easat-2280	109	11	et	et	PROPN
easat-2280	109	12	al	al	PROPN
easat-2280	109	13	.	.	PROPN
easat-2280	109	14	,	,	PUNCT
easat-2280	109	15	2023	2023	NUM
easat-2280	109	16	)	)	PUNCT
easat-2280	109	17	highlighted	highlight	VERB
easat-2280	109	18	that	that	DET
easat-2280	109	19	personality	personality	NOUN
easat-2280	109	20	acts	act	VERB
easat-2280	109	21	financial	financial	ADJ
easat-2280	109	22	behavior	behavior	NOUN
easat-2280	109	23	.	.	PUNCT
easat-2280	110	1	likewise	likewise	ADV
easat-2280	110	2	,	,	PUNCT
easat-2280	110	3	permana	permana	PROPN
easat-2280	110	4	&	&	CCONJ
easat-2280	110	5	lutfi	lutfi	PROPN
easat-2280	110	6	,	,	PUNCT
easat-2280	110	7	(	(	PUNCT
easat-2280	110	8	2022	2022	NUM
easat-2280	110	9	)	)	PUNCT
easat-2280	110	10	pointed	point	VERB
easat-2280	110	11	out	out	ADP
easat-2280	110	12	that	that	SCONJ
easat-2280	110	13	traits	trait	NOUN
easat-2280	110	14	like	like	ADP
easat-2280	110	15	agreeableness	agreeableness	NOUN
easat-2280	110	16	,	,	PUNCT
easat-2280	110	17	conscientiousness	conscientiousness	NOUN
easat-2280	110	18	,	,	PUNCT
easat-2280	110	19	body	body	NOUN
easat-2280	110	20	focus	focus	NOUN
easat-2280	110	21	,	,	PUNCT
easat-2280	110	22	materialism	materialism	NOUN
easat-2280	110	23	,	,	PUNCT
easat-2280	110	24	and	and	CCONJ
easat-2280	110	25	need	need	VERB
easat-2280	110	26	for	for	ADP
easat-2280	110	27	arousal	arousal	NOUN
easat-2280	110	28	can	can	AUX
easat-2280	110	29	influence	influence	VERB
easat-2280	110	30	family	family	NOUN
easat-2280	110	31	financial	financial	ADJ
easat-2280	110	32	planning	planning	NOUN
easat-2280	110	33	.	.	PUNCT
easat-2280	111	1	thus	thus	ADV
easat-2280	111	2	,	,	PUNCT
easat-2280	111	3	connecting	connect	VERB
easat-2280	111	4	family	family	NOUN
easat-2280	111	5	financial	financial	ADJ
easat-2280	111	6	planning	planning	NOUN
easat-2280	111	7	with	with	ADP
easat-2280	111	8	personality	personality	NOUN
easat-2280	111	9	traits	trait	NOUN
easat-2280	111	10	can	can	AUX
easat-2280	111	11	enhance	enhance	VERB
easat-2280	111	12	families	family	NOUN
easat-2280	111	13	'	'	PART
easat-2280	111	14	financial	financial	ADJ
easat-2280	111	15	decision	decision	NOUN
easat-2280	111	16	-	-	PUNCT
easat-2280	111	17	making	making	NOUN
easat-2280	111	18	in	in	ADP
easat-2280	111	19	line	line	NOUN
easat-2280	111	20	with	with	ADP
easat-2280	111	21	their	their	PRON
easat-2280	111	22	financial	financial	ADJ
easat-2280	111	23	goals	goal	NOUN
easat-2280	111	24	(	(	PUNCT
easat-2280	111	25	gudmunson	gudmunson	NOUN
easat-2280	111	26	,	,	PUNCT
easat-2280	111	27	2011	2011	NUM
easat-2280	111	28	)	)	PUNCT
easat-2280	111	29	.	.	PUNCT
easat-2280	112	1	in	in	ADP
easat-2280	112	2	line	line	NOUN
easat-2280	112	3	with	with	ADP
easat-2280	112	4	these	these	DET
easat-2280	112	5	findings	finding	NOUN
easat-2280	112	6	,	,	PUNCT
easat-2280	112	7	the	the	DET
easat-2280	112	8	following	follow	VERB
easat-2280	112	9	hypothesis	hypothesis	NOUN
easat-2280	112	10	we	we	PRON
easat-2280	112	11	proposed	propose	VERB
easat-2280	112	12	:	:	PUNCT
easat-2280	112	13	h6	h6	PROPN
easat-2280	112	14	:	:	PUNCT
easat-2280	112	15	personal	personal	ADJ
easat-2280	112	16	traits	trait	NOUN
easat-2280	112	17	have	have	VERB
easat-2280	112	18	a	a	DET
easat-2280	112	19	significant	significant	ADJ
easat-2280	112	20	influence	influence	NOUN
easat-2280	112	21	on	on	ADP
easat-2280	112	22	family	family	NOUN
easat-2280	112	23	financial	financial	ADJ
easat-2280	112	24	planning	planning	NOUN
easat-2280	112	25	among	among	ADP
easat-2280	112	26	naval	naval	ADJ
easat-2280	112	27	families	family	NOUN
easat-2280	112	28	at	at	ADP
easat-2280	112	29	hera	hera	PROPN
easat-2280	112	30	naval	naval	PROPN
easat-2280	112	31	base	base	PROPN
easat-2280	112	32	,	,	PUNCT
easat-2280	112	33	timor	timor	PROPN
easat-2280	112	34	-	-	PUNCT
easat-2280	112	35	leste	leste	PROPN
easat-2280	112	36	.	.	PUNCT
easat-2280	113	1	1582	1582	NUM
easat-2280	113	2	edelweiss	edelweiss	PROPN
easat-2280	113	3	applied	apply	VERB
easat-2280	113	4	science	science	NOUN
easat-2280	113	5	and	and	CCONJ
easat-2280	113	6	technology	technology	NOUN
easat-2280	113	7	issn	issn	PROPN
easat-2280	113	8	:	:	PUNCT
easat-2280	113	9	2576	2576	NUM
easat-2280	113	10	-	-	SYM
easat-2280	113	11	8484	8484	NUM
easat-2280	113	12	vol	vol	NOUN
easat-2280	113	13	.	.	PROPN
easat-2280	113	14	8	8	NUM
easat-2280	113	15	,	,	PUNCT
easat-2280	113	16	no	no	INTJ
easat-2280	113	17	.	.	NOUN
easat-2280	113	18	6	6	NUM
easat-2280	113	19	:	:	SYM
easat-2280	113	20	1577	1577	NUM
easat-2280	113	21	-	-	SYM
easat-2280	113	22	1597	1597	NUM
easat-2280	113	23	,	,	PUNCT
easat-2280	113	24	2024	2024	NUM
easat-2280	113	25	doi	doi	NOUN
easat-2280	113	26	:	:	PUNCT
easat-2280	113	27	10.55214/25768484.v8i6.2280	10.55214/25768484.v8i6.2280	NUM
easat-2280	113	28	©	©	PROPN
easat-2280	113	29	2024	2024	NUM
easat-2280	113	30	by	by	ADP
easat-2280	113	31	the	the	DET
easat-2280	113	32	authors	author	NOUN
easat-2280	113	33	;	;	PUNCT
easat-2280	113	34	licensee	licensee	PROPN
easat-2280	113	35	learning	learn	VERB
easat-2280	113	36	gate	gate	NOUN
easat-2280	113	37	2.2.7	2.2.7	NUM
easat-2280	113	38	.	.	PUNCT
easat-2280	114	1	the	the	DET
easat-2280	114	2	influence	influence	NOUN
easat-2280	114	3	of	of	ADP
easat-2280	114	4	financial	financial	ADJ
easat-2280	114	5	literacy	literacy	NOUN
easat-2280	114	6	on	on	ADP
easat-2280	114	7	financial	financial	ADJ
easat-2280	114	8	attitude	attitude	NOUN
easat-2280	114	9	according	accord	VERB
easat-2280	114	10	to	to	ADP
easat-2280	114	11	theory	theory	NOUN
easat-2280	114	12	of	of	ADP
easat-2280	114	13	planned	plan	VERB
easat-2280	114	14	behaviors	behavior	NOUN
easat-2280	114	15	,	,	PUNCT
easat-2280	114	16	which	which	PRON
easat-2280	114	17	is	be	AUX
easat-2280	114	18	common	common	ADJ
easat-2280	114	19	in	in	ADP
easat-2280	114	20	explaining	explain	VERB
easat-2280	114	21	financial	financial	ADJ
easat-2280	114	22	behaviour	behaviour	NOUN
easat-2280	114	23	,	,	PUNCT
easat-2280	114	24	it	it	PRON
easat-2280	114	25	is	be	AUX
easat-2280	114	26	argued	argue	VERB
easat-2280	114	27	that	that	SCONJ
easat-2280	114	28	level	level	NOUN
easat-2280	114	29	of	of	ADP
easat-2280	114	30	attitude	attitude	NOUN
easat-2280	114	31	,	,	PUNCT
easat-2280	114	32	subjective	subjective	ADJ
easat-2280	114	33	norms	norm	NOUN
easat-2280	114	34	and	and	CCONJ
easat-2280	114	35	perceived	perceive	VERB
easat-2280	114	36	behavioural	behavioural	ADJ
easat-2280	114	37	control	control	NOUN
easat-2280	114	38	over	over	ADP
easat-2280	114	39	intentions	intention	NOUN
easat-2280	114	40	and	and	CCONJ
easat-2280	114	41	subsequent	subsequent	ADJ
easat-2280	114	42	behaviour	behaviour	NOUN
easat-2280	114	43	(	(	PUNCT
easat-2280	114	44	buess	buess	NOUN
easat-2280	114	45	,	,	PUNCT
easat-2280	114	46	2012	2012	NUM
easat-2280	114	47	)	)	PUNCT
easat-2280	114	48	.	.	PUNCT
easat-2280	115	1	financial	financial	ADJ
easat-2280	115	2	literacy	literacy	NOUN
easat-2280	115	3	determines	determine	VERB
easat-2280	115	4	a	a	DET
easat-2280	115	5	person	person	NOUN
easat-2280	115	6	’s	’s	PART
easat-2280	115	7	financial	financial	ADJ
easat-2280	115	8	attitude	attitude	NOUN
easat-2280	115	9	in	in	ADP
easat-2280	115	10	financial	financial	ADJ
easat-2280	115	11	behaviours	behaviour	NOUN
easat-2280	115	12	and	and	CCONJ
easat-2280	115	13	intents	intent	NOUN
easat-2280	115	14	(	(	PUNCT
easat-2280	115	15	lusardi	lusardi	PROPN
easat-2280	115	16	&	&	CCONJ
easat-2280	115	17	messy	messy	ADJ
easat-2280	115	18	,	,	PUNCT
easat-2280	115	19	2023	2023	NUM
easat-2280	115	20	)	)	PUNCT
easat-2280	115	21	.	.	PUNCT
easat-2280	116	1	from	from	ADP
easat-2280	116	2	the	the	DET
easat-2280	116	3	current	current	ADJ
easat-2280	116	4	literature	literature	NOUN
easat-2280	116	5	it	it	PRON
easat-2280	116	6	can	can	AUX
easat-2280	116	7	be	be	AUX
easat-2280	116	8	deduced	deduce	VERB
easat-2280	116	9	that	that	SCONJ
easat-2280	116	10	people	people	NOUN
easat-2280	116	11	with	with	ADP
easat-2280	116	12	higher	high	ADJ
easat-2280	116	13	levels	level	NOUN
easat-2280	116	14	of	of	ADP
easat-2280	116	15	financial	financial	ADJ
easat-2280	116	16	literacy	literacy	NOUN
easat-2280	116	17	,	,	PUNCT
easat-2280	116	18	act	act	VERB
easat-2280	116	19	more	more	ADV
easat-2280	116	20	positively	positively	ADV
easat-2280	116	21	towards	towards	ADP
easat-2280	116	22	money	money	NOUN
easat-2280	116	23	management	management	NOUN
easat-2280	116	24	,	,	PUNCT
easat-2280	116	25	investments	investment	NOUN
easat-2280	116	26	,	,	PUNCT
easat-2280	116	27	and	and	CCONJ
easat-2280	116	28	savings	saving	NOUN
easat-2280	116	29	.	.	PUNCT
easat-2280	117	1	however	however	ADV
easat-2280	117	2	,	,	PUNCT
easat-2280	117	3	financial	financial	ADJ
easat-2280	117	4	education	education	NOUN
easat-2280	117	5	programs	program	NOUN
easat-2280	117	6	may	may	AUX
easat-2280	117	7	also	also	ADV
easat-2280	117	8	exhibit	exhibit	VERB
easat-2280	117	9	varying	vary	VERB
easat-2280	117	10	levels	level	NOUN
easat-2280	117	11	of	of	ADP
easat-2280	117	12	performance	performance	NOUN
easat-2280	117	13	in	in	ADP
easat-2280	117	14	developing	develop	VERB
easat-2280	117	15	and	and	CCONJ
easat-2280	117	16	inculcating	inculcate	VERB
easat-2280	117	17	knowledge	knowledge	NOUN
easat-2280	117	18	into	into	ADP
easat-2280	117	19	people	people	NOUN
easat-2280	117	20	’s	’s	PART
easat-2280	117	21	financial	financial	ADJ
easat-2280	117	22	literacy	literacy	NOUN
easat-2280	117	23	and	and	CCONJ
easat-2280	117	24	management	management	NOUN
easat-2280	117	25	of	of	ADP
easat-2280	117	26	the	the	DET
easat-2280	117	27	available	available	ADJ
easat-2280	117	28	financial	financial	ADJ
easat-2280	117	29	resources	resource	NOUN
easat-2280	117	30	(	(	PUNCT
easat-2280	117	31	lusardi	lusardi	PROPN
easat-2280	117	32	&	&	CCONJ
easat-2280	117	33	messy	messy	ADJ
easat-2280	117	34	,	,	PUNCT
easat-2280	117	35	2023	2023	NUM
easat-2280	117	36	)	)	PUNCT
easat-2280	117	37	.	.	PUNCT
easat-2280	118	1	lusardi	lusardi	PROPN
easat-2280	118	2	,	,	PUNCT
easat-2280	118	3	(	(	PUNCT
easat-2280	118	4	2019	2019	NUM
easat-2280	118	5	)	)	PUNCT
easat-2280	118	6	defined	define	VERB
easat-2280	118	7	financial	financial	ADJ
easat-2280	118	8	literacy	literacy	NOUN
easat-2280	118	9	as	as	ADP
easat-2280	118	10	an	an	DET
easat-2280	118	11	ability	ability	NOUN
easat-2280	118	12	of	of	ADP
easat-2280	118	13	a	a	DET
easat-2280	118	14	person	person	NOUN
easat-2280	118	15	to	to	PART
easat-2280	118	16	understand	understand	VERB
easat-2280	118	17	ideas	idea	NOUN
easat-2280	118	18	concerning	concern	VERB
easat-2280	118	19	money	money	NOUN
easat-2280	118	20	,	,	PUNCT
easat-2280	118	21	investment	investment	NOUN
easat-2280	118	22	,	,	PUNCT
easat-2280	118	23	credit	credit	NOUN
easat-2280	118	24	and	and	CCONJ
easat-2280	118	25	other	other	ADJ
easat-2280	118	26	financial	financial	ADJ
easat-2280	118	27	categories	category	NOUN
easat-2280	118	28	.	.	PUNCT
easat-2280	119	1	the	the	DET
easat-2280	119	2	overall	overall	ADJ
easat-2280	119	3	financial	financial	ADJ
easat-2280	119	4	knowledge	knowledge	NOUN
easat-2280	119	5	enables	enable	VERB
easat-2280	119	6	such	such	DET
easat-2280	119	7	a	a	DET
easat-2280	119	8	person	person	NOUN
easat-2280	119	9	to	to	PART
easat-2280	119	10	make	make	VERB
easat-2280	119	11	correct	correct	ADJ
easat-2280	119	12	decisions	decision	NOUN
easat-2280	119	13	regarding	regard	VERB
easat-2280	119	14	their	their	PRON
easat-2280	119	15	financial	financial	ADJ
easat-2280	119	16	future	future	NOUN
easat-2280	119	17	(	(	PUNCT
easat-2280	119	18	lusardi	lusardi	PROPN
easat-2280	119	19	,	,	PUNCT
easat-2280	119	20	2019).therefore	2019).therefore	NUM
easat-2280	119	21	,	,	PUNCT
easat-2280	119	22	financial	financial	ADJ
easat-2280	119	23	literacy	literacy	NOUN
easat-2280	119	24	also	also	ADV
easat-2280	119	25	affects	affect	VERB
easat-2280	119	26	attitude	attitude	NOUN
easat-2280	119	27	towards	towards	ADP
easat-2280	119	28	managing	manage	VERB
easat-2280	119	29	risks	risk	NOUN
easat-2280	119	30	that	that	PRON
easat-2280	119	31	involves	involve	VERB
easat-2280	119	32	money	money	NOUN
easat-2280	119	33	like	like	ADP
easat-2280	119	34	insurance	insurance	NOUN
easat-2280	119	35	and	and	CCONJ
easat-2280	119	36	retirement	retirement	NOUN
easat-2280	119	37	plans	plan	NOUN
easat-2280	119	38	(	(	PUNCT
easat-2280	119	39	pham	pham	PROPN
easat-2280	119	40	&	&	CCONJ
easat-2280	119	41	le	le	PROPN
easat-2280	119	42	,	,	PUNCT
easat-2280	119	43	2023	2023	NUM
easat-2280	119	44	)	)	PUNCT
easat-2280	119	45	.	.	PUNCT
easat-2280	120	1	this	this	PRON
easat-2280	120	2	may	may	AUX
easat-2280	120	3	be	be	AUX
easat-2280	120	4	because	because	SCONJ
easat-2280	120	5	people	people	NOUN
easat-2280	120	6	with	with	ADP
easat-2280	120	7	more	more	ADJ
easat-2280	120	8	information	information	NOUN
easat-2280	120	9	on	on	ADP
easat-2280	120	10	money	money	NOUN
easat-2280	120	11	related	relate	VERB
easat-2280	120	12	concerns	concern	NOUN
easat-2280	120	13	may	may	AUX
easat-2280	120	14	perhaps	perhaps	ADV
easat-2280	120	15	understand	understand	VERB
easat-2280	120	16	the	the	DET
easat-2280	120	17	function	function	NOUN
easat-2280	120	18	of	of	ADP
easat-2280	120	19	finance	finance	NOUN
easat-2280	120	20	insurance	insurance	NOUN
easat-2280	120	21	and	and	CCONJ
easat-2280	120	22	have	have	VERB
easat-2280	120	23	a	a	DET
easat-2280	120	24	better	well	ADJ
easat-2280	120	25	disposition	disposition	NOUN
easat-2280	120	26	towards	towards	ADP
easat-2280	120	27	planning	planning	NOUN
easat-2280	120	28	for	for	ADP
easat-2280	120	29	the	the	DET
easat-2280	120	30	future	future	NOUN
easat-2280	120	31	.	.	PUNCT
easat-2280	121	1	a	a	DET
easat-2280	121	2	current	current	ADJ
easat-2280	121	3	article	article	NOUN
easat-2280	121	4	by	by	ADP
easat-2280	121	5	hodge	hodge	PROPN
easat-2280	121	6	(	(	PUNCT
easat-2280	121	7	2020	2020	NUM
easat-2280	121	8	)	)	PUNCT
easat-2280	121	9	affirm	affirm	NOUN
easat-2280	121	10	that	that	SCONJ
easat-2280	121	11	financial	financial	ADJ
easat-2280	121	12	literacy	literacy	NOUN
easat-2280	121	13	has	have	AUX
easat-2280	121	14	a	a	DET
easat-2280	121	15	positive	positive	ADJ
easat-2280	121	16	impact	impact	NOUN
easat-2280	121	17	on	on	ADP
easat-2280	121	18	women	woman	NOUN
easat-2280	121	19	’s	’s	PART
easat-2280	121	20	healthy	healthy	ADJ
easat-2280	121	21	financial	financial	ADJ
easat-2280	121	22	behavior	behavior	NOUN
easat-2280	121	23	by	by	ADP
easat-2280	121	24	an	an	DET
easat-2280	121	25	investment	investment	NOUN
easat-2280	121	26	motivation	motivation	NOUN
easat-2280	121	27	.	.	PUNCT
easat-2280	122	1	besides	besides	SCONJ
easat-2280	122	2	,	,	PUNCT
easat-2280	122	3	the	the	DET
easat-2280	122	4	knowledge	knowledge	NOUN
easat-2280	122	5	of	of	ADP
easat-2280	122	6	finance	finance	NOUN
easat-2280	122	7	is	be	AUX
easat-2280	122	8	a	a	DET
easat-2280	122	9	work	work	NOUN
easat-2280	122	10	in	in	ADP
easat-2280	122	11	progress	progress	NOUN
easat-2280	122	12	towards	towards	ADP
easat-2280	122	13	developing	develop	VERB
easat-2280	122	14	good	good	ADJ
easat-2280	122	15	financial	financial	ADJ
easat-2280	122	16	practices	practice	NOUN
easat-2280	122	17	in	in	ADP
easat-2280	122	18	women	woman	NOUN
easat-2280	122	19	specifically	specifically	ADV
easat-2280	122	20	in	in	ADP
easat-2280	122	21	investment	investment	NOUN
easat-2280	122	22	motivation	motivation	NOUN
easat-2280	122	23	.	.	PUNCT
easat-2280	123	1	likewise	likewise	ADV
easat-2280	123	2	,	,	PUNCT
easat-2280	123	3	in	in	ADP
easat-2280	123	4	another	another	DET
easat-2280	123	5	study	study	NOUN
easat-2280	123	6	,	,	PUNCT
easat-2280	123	7	callis	calli	VERB
easat-2280	123	8	et	et	PROPN
easat-2280	123	9	al	al	PROPN
easat-2280	123	10	.	.	PROPN
easat-2280	123	11	,	,	PUNCT
easat-2280	123	12	(	(	PUNCT
easat-2280	123	13	2023	2023	NUM
easat-2280	123	14	)	)	PUNCT
easat-2280	123	15	has	have	VERB
easat-2280	123	16	a	a	DET
easat-2280	123	17	similar	similar	ADJ
easat-2280	123	18	conclusion	conclusion	NOUN
easat-2280	123	19	to	to	ADP
easat-2280	123	20	suggesting	suggest	VERB
easat-2280	123	21	that	that	SCONJ
easat-2280	123	22	money	money	NOUN
easat-2280	123	23	intelligence	intelligence	NOUN
easat-2280	123	24	leads	lead	VERB
easat-2280	123	25	to	to	ADP
easat-2280	123	26	enhanced	enhanced	ADJ
easat-2280	123	27	money	money	NOUN
easat-2280	123	28	decision	decision	NOUN
easat-2280	123	29	making	making	NOUN
easat-2280	123	30	.	.	PUNCT
easat-2280	124	1	as	as	ADP
easat-2280	124	2	a	a	DET
easat-2280	124	3	whole	whole	NOUN
easat-2280	124	4	,	,	PUNCT
easat-2280	124	5	one	one	PRON
easat-2280	124	6	may	may	AUX
easat-2280	124	7	conclude	conclude	VERB
easat-2280	124	8	that	that	SCONJ
easat-2280	124	9	theoretical	theoretical	ADJ
easat-2280	124	10	background	background	NOUN
easat-2280	124	11	and	and	CCONJ
easat-2280	124	12	empirical	empirical	ADJ
easat-2280	124	13	evidence	evidence	NOUN
easat-2280	124	14	confirm	confirm	VERB
easat-2280	124	15	the	the	DET
easat-2280	124	16	importance	importance	NOUN
easat-2280	124	17	of	of	ADP
easat-2280	124	18	financial	financial	ADJ
easat-2280	124	19	literacy	literacy	NOUN
easat-2280	124	20	for	for	ADP
easat-2280	124	21	its	its	PRON
easat-2280	124	22	impact	impact	NOUN
easat-2280	124	23	on	on	ADP
easat-2280	124	24	people	people	NOUN
easat-2280	124	25	’s	’s	PART
easat-2280	124	26	attitudes	attitude	NOUN
easat-2280	124	27	.	.	PUNCT
easat-2280	125	1	what	what	PRON
easat-2280	125	2	we	we	PRON
easat-2280	125	3	must	must	AUX
easat-2280	125	4	also	also	ADV
easat-2280	125	5	understand	understand	VERB
easat-2280	125	6	is	be	AUX
easat-2280	125	7	the	the	DET
easat-2280	125	8	fact	fact	NOUN
easat-2280	125	9	that	that	SCONJ
easat-2280	125	10	consumers	consumer	NOUN
easat-2280	125	11	with	with	ADP
easat-2280	125	12	a	a	DET
easat-2280	125	13	certain	certain	ADJ
easat-2280	125	14	level	level	NOUN
easat-2280	125	15	of	of	ADP
easat-2280	125	16	financial	financial	ADJ
easat-2280	125	17	literacy	literacy	NOUN
easat-2280	125	18	are	be	AUX
easat-2280	125	19	more	more	ADV
easat-2280	125	20	likely	likely	ADJ
easat-2280	125	21	to	to	PART
easat-2280	125	22	have	have	VERB
easat-2280	125	23	a	a	DET
easat-2280	125	24	favorable	favorable	ADJ
easat-2280	125	25	attitude	attitude	NOUN
easat-2280	125	26	to	to	ADP
easat-2280	125	27	money	money	NOUN
easat-2280	125	28	management	management	NOUN
easat-2280	125	29	and	and	CCONJ
easat-2280	125	30	protection	protection	NOUN
easat-2280	125	31	.	.	PUNCT
easat-2280	126	1	therefore	therefore	ADV
easat-2280	126	2	,	,	PUNCT
easat-2280	126	3	the	the	DET
easat-2280	126	4	hypothesis	hypothesis	NOUN
easat-2280	126	5	built	build	VERB
easat-2280	126	6	is	be	AUX
easat-2280	126	7	:	:	PUNCT
easat-2280	126	8	h7	h7	ADJ
easat-2280	126	9	:	:	PUNCT
easat-2280	126	10	financial	financial	ADJ
easat-2280	126	11	literacy	literacy	NOUN
easat-2280	126	12	has	have	VERB
easat-2280	126	13	a	a	DET
easat-2280	126	14	significant	significant	ADJ
easat-2280	126	15	effect	effect	NOUN
easat-2280	126	16	on	on	ADP
easat-2280	126	17	financial	financial	ADJ
easat-2280	126	18	attitudes	attitude	NOUN
easat-2280	126	19	among	among	ADP
easat-2280	126	20	naval	naval	ADJ
easat-2280	126	21	families	family	NOUN
easat-2280	126	22	at	at	ADP
easat-2280	126	23	hera	hera	PROPN
easat-2280	126	24	naval	naval	PROPN
easat-2280	126	25	base	base	PROPN
easat-2280	126	26	,	,	PUNCT
easat-2280	126	27	timor	timor	PROPN
easat-2280	126	28	-	-	PUNCT
easat-2280	126	29	leste	leste	PROPN
easat-2280	126	30	.	.	PUNCT
easat-2280	127	1	2.2.8	2.2.8	NUM
easat-2280	127	2	.	.	PUNCT
easat-2280	128	1	the	the	DET
easat-2280	128	2	influence	influence	NOUN
easat-2280	128	3	of	of	ADP
easat-2280	128	4	financial	financial	ADJ
easat-2280	128	5	literacy	literacy	NOUN
easat-2280	128	6	on	on	ADP
easat-2280	128	7	personal	personal	ADJ
easat-2280	128	8	saving	saving	NOUN
easat-2280	128	9	orientation	orientation	NOUN
easat-2280	128	10	alshebami	alshebami	NOUN
easat-2280	128	11	and	and	CCONJ
easat-2280	128	12	marri	marri	NOUN
easat-2280	128	13	(	(	PUNCT
easat-2280	128	14	2022	2022	NUM
easat-2280	128	15	)	)	PUNCT
easat-2280	128	16	stated	state	VERB
easat-2280	128	17	that	that	SCONJ
easat-2280	128	18	financial	financial	ADJ
easat-2280	128	19	literacy	literacy	NOUN
easat-2280	128	20	and	and	CCONJ
easat-2280	128	21	various	various	ADJ
easat-2280	128	22	financial	financial	ADJ
easat-2280	128	23	practices	practice	NOUN
easat-2280	128	24	have	have	VERB
easat-2280	128	25	a	a	DET
easat-2280	128	26	significant	significant	ADJ
easat-2280	128	27	impact	impact	NOUN
easat-2280	128	28	on	on	ADP
easat-2280	128	29	individuals	individual	NOUN
easat-2280	128	30	'	'	PART
easat-2280	128	31	saving	saving	NOUN
easat-2280	128	32	habits	habit	NOUN
easat-2280	128	33	.	.	PUNCT
easat-2280	129	1	improving	improve	VERB
easat-2280	129	2	financial	financial	ADJ
easat-2280	129	3	management	management	NOUN
easat-2280	129	4	practices	practice	NOUN
easat-2280	129	5	is	be	AUX
easat-2280	129	6	associated	associate	VERB
easat-2280	129	7	with	with	ADP
easat-2280	129	8	fewer	few	ADJ
easat-2280	129	9	financial	financial	ADJ
easat-2280	129	10	problems	problem	NOUN
easat-2280	129	11	and	and	CCONJ
easat-2280	129	12	increased	increase	VERB
easat-2280	129	13	savings	saving	NOUN
easat-2280	129	14	(	(	PUNCT
easat-2280	129	15	alshebami	alshebami	NOUN
easat-2280	129	16	&	&	CCONJ
easat-2280	129	17	marri	marri	PROPN
easat-2280	129	18	,	,	PUNCT
easat-2280	129	19	2022	2022	NUM
easat-2280	129	20	)	)	PUNCT
easat-2280	129	21	.	.	PUNCT
easat-2280	130	1	nevertheless	nevertheless	ADV
easat-2280	130	2	,	,	PUNCT
easat-2280	130	3	their	their	PRON
easat-2280	130	4	study	study	NOUN
easat-2280	130	5	did	do	AUX
easat-2280	130	6	not	not	PART
easat-2280	130	7	identify	identify	VERB
easat-2280	130	8	a	a	DET
easat-2280	130	9	direct	direct	ADJ
easat-2280	130	10	correlation	correlation	NOUN
easat-2280	130	11	between	between	ADP
easat-2280	130	12	financial	financial	ADJ
easat-2280	130	13	literacy	literacy	NOUN
easat-2280	130	14	and	and	CCONJ
easat-2280	130	15	financial	financial	ADJ
easat-2280	130	16	issues	issue	NOUN
easat-2280	130	17	,	,	PUNCT
easat-2280	130	18	highlighting	highlight	VERB
easat-2280	130	19	the	the	DET
easat-2280	130	20	intricate	intricate	ADJ
easat-2280	130	21	nature	nature	NOUN
easat-2280	130	22	of	of	ADP
easat-2280	130	23	the	the	DET
easat-2280	130	24	connection	connection	NOUN
easat-2280	130	25	between	between	ADP
easat-2280	130	26	financial	financial	ADJ
easat-2280	130	27	literacy	literacy	NOUN
easat-2280	130	28	and	and	CCONJ
easat-2280	130	29	saving	saving	NOUN
easat-2280	130	30	behaviors	behavior	NOUN
easat-2280	130	31	.	.	PUNCT
easat-2280	131	1	additionally	additionally	ADV
easat-2280	131	2	,	,	PUNCT
easat-2280	131	3	delafrooz	delafrooz	VERB
easat-2280	131	4	and	and	CCONJ
easat-2280	131	5	paim	paim	NOUN
easat-2280	131	6	(	(	PUNCT
easat-2280	131	7	2011	2011	NUM
easat-2280	131	8	)	)	PUNCT
easat-2280	131	9	found	find	VERB
easat-2280	131	10	no	no	DET
easat-2280	131	11	association	association	NOUN
easat-2280	131	12	between	between	ADP
easat-2280	131	13	financial	financial	ADJ
easat-2280	131	14	literacy	literacy	NOUN
easat-2280	131	15	and	and	CCONJ
easat-2280	131	16	saving	save	VERB
easat-2280	131	17	behavior	behavior	NOUN
easat-2280	131	18	.	.	PUNCT
easat-2280	132	1	these	these	DET
easat-2280	132	2	results	result	NOUN
easat-2280	132	3	suggest	suggest	VERB
easat-2280	132	4	a	a	DET
easat-2280	132	5	complex	complex	ADJ
easat-2280	132	6	interplay	interplay	NOUN
easat-2280	132	7	between	between	ADP
easat-2280	132	8	financial	financial	ADJ
easat-2280	132	9	literacy	literacy	NOUN
easat-2280	132	10	,	,	PUNCT
easat-2280	132	11	financial	financial	ADJ
easat-2280	132	12	problems	problem	NOUN
easat-2280	132	13	,	,	PUNCT
easat-2280	132	14	and	and	CCONJ
easat-2280	132	15	saving	saving	NOUN
easat-2280	132	16	habits	habit	NOUN
easat-2280	132	17	,	,	PUNCT
easat-2280	132	18	contradicting	contradict	VERB
easat-2280	132	19	prior	prior	ADJ
easat-2280	132	20	beliefs	belief	NOUN
easat-2280	132	21	.	.	PUNCT
easat-2280	133	1	in	in	ADP
easat-2280	133	2	a	a	DET
easat-2280	133	3	nutshell	nutshell	NOUN
easat-2280	133	4	,	,	PUNCT
easat-2280	133	5	financial	financial	ADJ
easat-2280	133	6	literacy	literacy	NOUN
easat-2280	133	7	can	can	AUX
easat-2280	133	8	affect	affect	VERB
easat-2280	133	9	an	an	DET
easat-2280	133	10	individual	individual	NOUN
easat-2280	133	11	’s	’s	PART
easat-2280	133	12	personal	personal	ADJ
easat-2280	133	13	saving	saving	NOUN
easat-2280	133	14	orientation	orientation	NOUN
easat-2280	133	15	and	and	CCONJ
easat-2280	133	16	enhance	enhance	VERB
easat-2280	133	17	their	their	PRON
easat-2280	133	18	knowledge	knowledge	NOUN
easat-2280	133	19	on	on	ADP
easat-2280	133	20	the	the	DET
easat-2280	133	21	aspect	aspect	NOUN
easat-2280	133	22	of	of	ADP
easat-2280	133	23	self	self	NOUN
easat-2280	133	24	-	-	PUNCT
easat-2280	133	25	financial	financial	ADJ
easat-2280	133	26	management	management	NOUN
easat-2280	133	27	,	,	PUNCT
easat-2280	133	28	the	the	DET
easat-2280	133	29	tools	tool	NOUN
easat-2280	133	30	which	which	PRON
easat-2280	133	31	are	be	AUX
easat-2280	133	32	available	available	ADJ
easat-2280	133	33	to	to	ADP
easat-2280	133	34	them	they	PRON
easat-2280	133	35	and	and	CCONJ
easat-2280	133	36	the	the	DET
easat-2280	133	37	overall	overall	ADJ
easat-2280	133	38	value	value	NOUN
easat-2280	133	39	of	of	ADP
easat-2280	133	40	savings	saving	NOUN
easat-2280	133	41	in	in	ADP
easat-2280	133	42	order	order	NOUN
easat-2280	133	43	to	to	PART
easat-2280	133	44	drive	drive	VERB
easat-2280	133	45	and	and	CCONJ
easat-2280	133	46	accomplish	accomplish	VERB
easat-2280	133	47	the	the	DET
easat-2280	133	48	necessary	necessary	ADJ
easat-2280	133	49	monetary	monetary	ADJ
easat-2280	133	50	goals	goal	NOUN
easat-2280	133	51	in	in	ADP
easat-2280	133	52	the	the	DET
easat-2280	133	53	future	future	NOUN
easat-2280	133	54	(	(	PUNCT
easat-2280	133	55	lusardi	lusardi	PROPN
easat-2280	133	56	&	&	CCONJ
easat-2280	133	57	messy	messy	ADJ
easat-2280	133	58	,	,	PUNCT
easat-2280	133	59	2023	2023	NUM
easat-2280	133	60	)	)	PUNCT
easat-2280	133	61	;	;	PUNCT
easat-2280	133	62	(	(	PUNCT
easat-2280	133	63	rokhman	rokhman	NOUN
easat-2280	133	64	,	,	PUNCT
easat-2280	133	65	2021	2021	NUM
easat-2280	133	66	)	)	PUNCT
easat-2280	133	67	.	.	PUNCT
easat-2280	134	1	higher	high	ADJ
easat-2280	134	2	levels	level	NOUN
easat-2280	134	3	of	of	ADP
easat-2280	134	4	financial	financial	ADJ
easat-2280	134	5	literacy	literacy	NOUN
easat-2280	134	6	are	be	AUX
easat-2280	134	7	likely	likely	ADJ
easat-2280	134	8	to	to	PART
easat-2280	134	9	motivate	motivate	VERB
easat-2280	134	10	individuals	individual	NOUN
easat-2280	134	11	to	to	PART
easat-2280	134	12	actively	actively	ADV
easat-2280	134	13	participate	participate	VERB
easat-2280	134	14	in	in	ADP
easat-2280	134	15	saving	save	VERB
easat-2280	134	16	and	and	CCONJ
easat-2280	134	17	managing	manage	VERB
easat-2280	134	18	finances	finance	NOUN
easat-2280	134	19	effectively	effectively	ADV
easat-2280	134	20	.	.	PUNCT
easat-2280	135	1	furthermore	furthermore	ADV
easat-2280	135	2	,	,	PUNCT
easat-2280	135	3	a	a	DET
easat-2280	135	4	study	study	NOUN
easat-2280	135	5	by	by	ADP
easat-2280	135	6	rasool	rasool	PROPN
easat-2280	135	7	and	and	CCONJ
easat-2280	135	8	ullah	ullah	PROPN
easat-2280	135	9	(	(	PUNCT
easat-2280	135	10	2020	2020	NUM
easat-2280	135	11	)	)	PUNCT
easat-2280	135	12	revealed	reveal	VERB
easat-2280	135	13	that	that	SCONJ
easat-2280	135	14	individual	individual	ADJ
easat-2280	135	15	financial	financial	ADJ
easat-2280	135	16	literacy	literacy	NOUN
easat-2280	135	17	reduces	reduce	VERB
easat-2280	135	18	cognitive	cognitive	ADJ
easat-2280	135	19	biases	bias	NOUN
easat-2280	135	20	and	and	CCONJ
easat-2280	135	21	heuristics	heuristic	NOUN
easat-2280	135	22	,	,	PUNCT
easat-2280	135	23	leading	lead	VERB
easat-2280	135	24	to	to	ADP
easat-2280	135	25	improved	improve	VERB
easat-2280	135	26	investor	investor	NOUN
easat-2280	135	27	behavior	behavior	NOUN
easat-2280	135	28	in	in	ADP
easat-2280	135	29	the	the	DET
easat-2280	135	30	financial	financial	ADJ
easat-2280	135	31	market	market	NOUN
easat-2280	135	32	.	.	PUNCT
easat-2280	136	1	additionally	additionally	ADV
easat-2280	136	2	,	,	PUNCT
easat-2280	136	3	individuals	individual	NOUN
easat-2280	136	4	with	with	ADP
easat-2280	136	5	financial	financial	ADJ
easat-2280	136	6	literacy	literacy	NOUN
easat-2280	136	7	tend	tend	VERB
easat-2280	136	8	to	to	PART
easat-2280	136	9	make	make	VERB
easat-2280	136	10	well	well	ADV
easat-2280	136	11	-	-	PUNCT
easat-2280	136	12	informed	inform	VERB
easat-2280	136	13	and	and	CCONJ
easat-2280	136	14	logical	logical	ADJ
easat-2280	136	15	investment	investment	NOUN
easat-2280	136	16	choices	choice	NOUN
easat-2280	136	17	,	,	PUNCT
easat-2280	136	18	as	as	SCONJ
easat-2280	136	19	evidenced	evidence	VERB
easat-2280	136	20	by	by	ADP
easat-2280	136	21	research	research	NOUN
easat-2280	136	22	.	.	PUNCT
easat-2280	137	1	referring	refer	VERB
easat-2280	137	2	to	to	ADP
easat-2280	137	3	these	these	DET
easat-2280	137	4	findings	finding	NOUN
easat-2280	137	5	,	,	PUNCT
easat-2280	137	6	the	the	DET
easat-2280	137	7	following	follow	VERB
easat-2280	137	8	hypothesis	hypothesis	NOUN
easat-2280	137	9	is	be	AUX
easat-2280	137	10	proposed	propose	VERB
easat-2280	137	11	:	:	PUNCT
easat-2280	137	12	h8	h8	NOUN
easat-2280	137	13	:	:	PUNCT
easat-2280	137	14	financial	financial	ADJ
easat-2280	137	15	literacy	literacy	NOUN
easat-2280	137	16	has	have	VERB
easat-2280	137	17	a	a	DET
easat-2280	137	18	significant	significant	ADJ
easat-2280	137	19	effect	effect	NOUN
easat-2280	137	20	on	on	ADP
easat-2280	137	21	personal	personal	ADJ
easat-2280	137	22	saving	saving	NOUN
easat-2280	137	23	orientation	orientation	NOUN
easat-2280	137	24	among	among	ADP
easat-2280	137	25	naval	naval	ADJ
easat-2280	137	26	families	family	NOUN
easat-2280	137	27	at	at	ADP
easat-2280	137	28	hera	hera	PROPN
easat-2280	137	29	naval	naval	PROPN
easat-2280	137	30	base	base	PROPN
easat-2280	137	31	,	,	PUNCT
easat-2280	137	32	timor	timor	PROPN
easat-2280	137	33	-	-	PUNCT
easat-2280	137	34	leste	leste	PROPN
easat-2280	137	35	.	.	PUNCT
easat-2280	138	1	2.2.9	2.2.9	X
easat-2280	138	2	.	.	PUNCT
easat-2280	139	1	the	the	DET
easat-2280	139	2	influence	influence	NOUN
easat-2280	139	3	of	of	ADP
easat-2280	139	4	financial	financial	ADJ
easat-2280	139	5	literacy	literacy	NOUN
easat-2280	139	6	on	on	ADP
easat-2280	139	7	family	family	NOUN
easat-2280	139	8	financial	financial	ADJ
easat-2280	139	9	planning	planning	NOUN
easat-2280	139	10	evidence	evidence	NOUN
easat-2280	139	11	obtained	obtain	VERB
easat-2280	139	12	from	from	ADP
easat-2280	139	13	general	general	ADJ
easat-2280	139	14	understanding	understanding	NOUN
easat-2280	139	15	indicates	indicate	VERB
easat-2280	139	16	that	that	SCONJ
easat-2280	139	17	financial	financial	ADJ
easat-2280	139	18	literacy	literacy	NOUN
easat-2280	139	19	or	or	CCONJ
easat-2280	139	20	knowledge	knowledge	NOUN
easat-2280	139	21	about	about	ADP
easat-2280	139	22	finance	finance	NOUN
easat-2280	139	23	is	be	AUX
easat-2280	139	24	important	important	ADJ
easat-2280	139	25	in	in	ADP
easat-2280	139	26	managing	manage	VERB
easat-2280	139	27	personal	personal	ADJ
easat-2280	139	28	financial	financial	ADJ
easat-2280	139	29	and	and	CCONJ
easat-2280	139	30	family	family	NOUN
easat-2280	139	31	financial	financial	ADJ
easat-2280	139	32	planning	planning	NOUN
easat-2280	139	33	(	(	PUNCT
easat-2280	139	34	lusardi	lusardi	PROPN
easat-2280	139	35	&	&	CCONJ
easat-2280	139	36	tufano	tufano	ADJ
easat-2280	139	37	,	,	PUNCT
easat-2280	139	38	1583	1583	NUM
easat-2280	139	39	edelweiss	edelweiss	PROPN
easat-2280	139	40	applied	apply	VERB
easat-2280	139	41	science	science	NOUN
easat-2280	139	42	and	and	CCONJ
easat-2280	139	43	technology	technology	NOUN
easat-2280	139	44	issn	issn	PROPN
easat-2280	139	45	:	:	PUNCT
easat-2280	139	46	2576	2576	NUM
easat-2280	139	47	-	-	SYM
easat-2280	139	48	8484	8484	NUM
easat-2280	139	49	vol	vol	NOUN
easat-2280	139	50	.	.	PROPN
easat-2280	139	51	8	8	NUM
easat-2280	139	52	,	,	PUNCT
easat-2280	139	53	no	no	INTJ
easat-2280	139	54	.	.	NOUN
easat-2280	139	55	6	6	NUM
easat-2280	139	56	:	:	SYM
easat-2280	139	57	1577	1577	NUM
easat-2280	139	58	-	-	SYM
easat-2280	139	59	1597	1597	NUM
easat-2280	139	60	,	,	PUNCT
easat-2280	139	61	2024	2024	NUM
easat-2280	139	62	doi	doi	NOUN
easat-2280	139	63	:	:	PUNCT
easat-2280	139	64	10.55214/25768484.v8i6.2280	10.55214/25768484.v8i6.2280	NUM
easat-2280	139	65	©	©	PROPN
easat-2280	139	66	2024	2024	NUM
easat-2280	139	67	by	by	ADP
easat-2280	139	68	the	the	DET
easat-2280	139	69	authors	author	NOUN
easat-2280	139	70	;	;	PUNCT
easat-2280	139	71	licensee	licensee	PROPN
easat-2280	139	72	learning	learning	NOUN
easat-2280	139	73	gate	gate	NOUN
easat-2280	139	74	2015	2015	NUM
easat-2280	139	75	)	)	PUNCT
easat-2280	139	76	;	;	PUNCT
easat-2280	139	77	(	(	PUNCT
easat-2280	139	78	lusardi	lusardi	NOUN
easat-2280	139	79	,	,	PUNCT
easat-2280	139	80	2019	2019	NUM
easat-2280	139	81	)	)	PUNCT
easat-2280	139	82	.	.	PUNCT
easat-2280	140	1	it	it	PRON
easat-2280	140	2	is	be	AUX
easat-2280	140	3	postulated	postulate	VERB
easat-2280	140	4	that	that	SCONJ
easat-2280	140	5	subjects	subject	NOUN
easat-2280	140	6	with	with	ADP
easat-2280	140	7	high	high	ADJ
easat-2280	140	8	levels	level	NOUN
easat-2280	140	9	of	of	ADP
easat-2280	140	10	financial	financial	ADJ
easat-2280	140	11	literacy	literacy	NOUN
easat-2280	140	12	will	will	AUX
easat-2280	140	13	have	have	VERB
easat-2280	140	14	more	more	ADJ
easat-2280	140	15	knowledge	knowledge	NOUN
easat-2280	140	16	about	about	ADP
easat-2280	140	17	financial	financial	ADJ
easat-2280	140	18	management	management	NOUN
easat-2280	140	19	and	and	CCONJ
easat-2280	140	20	be	be	AUX
easat-2280	140	21	able	able	ADJ
easat-2280	140	22	to	to	PART
easat-2280	140	23	apply	apply	VERB
easat-2280	140	24	financial	financial	ADJ
easat-2280	140	25	planning	planning	NOUN
easat-2280	140	26	better	well	ADV
easat-2280	140	27	.	.	PUNCT
easat-2280	141	1	several	several	ADJ
easat-2280	141	2	previous	previous	ADJ
easat-2280	141	3	studies	study	NOUN
easat-2280	141	4	have	have	AUX
easat-2280	141	5	also	also	ADV
easat-2280	141	6	found	find	VERB
easat-2280	141	7	that	that	SCONJ
easat-2280	141	8	financial	financial	ADJ
easat-2280	141	9	literacy	literacy	NOUN
easat-2280	141	10	level	level	NOUN
easat-2280	141	11	is	be	AUX
easat-2280	141	12	positively	positively	ADV
easat-2280	141	13	related	relate	VERB
easat-2280	141	14	to	to	ADP
easat-2280	141	15	the	the	DET
easat-2280	141	16	financial	financial	ADJ
easat-2280	141	17	behaviour	behaviour	NOUN
easat-2280	141	18	of	of	ADP
easat-2280	141	19	a	a	DET
easat-2280	141	20	person	person	NOUN
easat-2280	141	21	(	(	PUNCT
easat-2280	141	22	lusardi	lusardi	PROPN
easat-2280	141	23	&	&	CCONJ
easat-2280	141	24	messy	messy	ADJ
easat-2280	141	25	,	,	PUNCT
easat-2280	141	26	2023	2023	NUM
easat-2280	141	27	)	)	PUNCT
easat-2280	141	28	;	;	PUNCT
easat-2280	141	29	(	(	PUNCT
easat-2280	141	30	stolper	stolper	PROPN
easat-2280	141	31	&	&	CCONJ
easat-2280	141	32	walter	walter	PROPN
easat-2280	141	33	,	,	PUNCT
easat-2280	141	34	2017	2017	NUM
easat-2280	141	35	)	)	PUNCT
easat-2280	141	36	hung	hang	VERB
easat-2280	141	37	et	et	PROPN
easat-2280	141	38	al	al	PROPN
easat-2280	141	39	.	.	PROPN
easat-2280	141	40	,	,	PUNCT
easat-2280	141	41	2009	2009	NUM
easat-2280	141	42	)	)	PUNCT
easat-2280	141	43	.	.	PUNCT
easat-2280	142	1	generally	generally	ADV
easat-2280	142	2	,	,	PUNCT
easat-2280	142	3	those	those	PRON
easat-2280	142	4	with	with	ADP
easat-2280	142	5	better	well	ADJ
easat-2280	142	6	financial	financial	ADJ
easat-2280	142	7	literacy	literacy	NOUN
easat-2280	142	8	will	will	AUX
easat-2280	142	9	also	also	ADV
easat-2280	142	10	be	be	AUX
easat-2280	142	11	in	in	ADP
easat-2280	142	12	a	a	DET
easat-2280	142	13	position	position	NOUN
easat-2280	142	14	to	to	PART
easat-2280	142	15	carry	carry	VERB
easat-2280	142	16	out	out	ADP
easat-2280	142	17	better	well	ADJ
easat-2280	142	18	financial	financial	ADJ
easat-2280	142	19	management	management	NOUN
easat-2280	142	20	including	include	VERB
easat-2280	142	21	saving	saving	NOUN
easat-2280	142	22	,	,	PUNCT
easat-2280	142	23	investing	investing	NOUN
easat-2280	142	24	and	and	CCONJ
easat-2280	142	25	or	or	CCONJ
easat-2280	142	26	planning	plan	VERB
easat-2280	142	27	to	to	PART
easat-2280	142	28	in	in	ADP
easat-2280	142	29	future	future	ADJ
easat-2280	142	30	events	event	NOUN
easat-2280	142	31	including	include	VERB
easat-2280	142	32	instance	instance	NOUN
easat-2280	142	33	retirement	retirement	NOUN
easat-2280	142	34	(	(	PUNCT
easat-2280	142	35	stolper	stolper	PROPN
easat-2280	142	36	&	&	CCONJ
easat-2280	142	37	walter	walter	PROPN
easat-2280	142	38	,	,	PUNCT
easat-2280	142	39	2017	2017	NUM
easat-2280	142	40	)	)	PUNCT
easat-2280	142	41	;	;	PUNCT
easat-2280	142	42	(	(	PUNCT
easat-2280	142	43	alessie	alessie	PROPN
easat-2280	142	44	et	et	PROPN
easat-2280	142	45	al	al	PROPN
easat-2280	142	46	.	.	PROPN
easat-2280	142	47	,	,	PUNCT
easat-2280	142	48	2011	2011	NUM
easat-2280	142	49	)	)	PUNCT
easat-2280	142	50	.	.	PUNCT
easat-2280	143	1	it	it	PRON
easat-2280	143	2	thus	thus	ADV
easat-2280	143	3	can	can	AUX
easat-2280	143	4	be	be	AUX
easat-2280	143	5	seen	see	VERB
easat-2280	143	6	that	that	SCONJ
easat-2280	143	7	family	family	NOUN
easat-2280	143	8	financial	financial	ADJ
easat-2280	143	9	planning	planning	NOUN
easat-2280	143	10	is	be	AUX
easat-2280	143	11	an	an	DET
easat-2280	143	12	element	element	NOUN
easat-2280	143	13	of	of	ADP
easat-2280	143	14	family	family	NOUN
easat-2280	143	15	financial	financial	ADJ
easat-2280	143	16	process	process	NOUN
easat-2280	143	17	(	(	PUNCT
easat-2280	143	18	legenzova	legenzova	X
easat-2280	143	19	&	&	CCONJ
easat-2280	143	20	leckė	leckė	ADJ
easat-2280	143	21	,	,	PUNCT
easat-2280	143	22	2024	2024	NUM
easat-2280	143	23	)	)	PUNCT
easat-2280	143	24	.	.	PUNCT
easat-2280	144	1	this	this	DET
easat-2280	144	2	aspect	aspect	NOUN
easat-2280	144	3	comprises	comprise	VERB
easat-2280	144	4	the	the	DET
easat-2280	144	5	following	follow	VERB
easat-2280	144	6	operations	operation	NOUN
easat-2280	144	7	:	:	PUNCT
easat-2280	144	8	creating	create	VERB
easat-2280	144	9	a	a	DET
easat-2280	144	10	financial	financial	ADJ
easat-2280	144	11	budget	budget	NOUN
easat-2280	144	12	,	,	PUNCT
easat-2280	144	13	accumulation	accumulation	NOUN
easat-2280	144	14	for	for	ADP
easat-2280	144	15	some	some	DET
easat-2280	144	16	certain	certain	ADJ
easat-2280	144	17	purpose	purpose	NOUN
easat-2280	144	18	,	,	PUNCT
easat-2280	144	19	insurance	insurance	NOUN
easat-2280	144	20	of	of	ADP
easat-2280	144	21	the	the	DET
easat-2280	144	22	family	family	NOUN
easat-2280	144	23	and	and	CCONJ
easat-2280	144	24	accumulation	accumulation	NOUN
easat-2280	144	25	for	for	ADP
easat-2280	144	26	financial	financial	ADJ
easat-2280	144	27	objectives	objective	NOUN
easat-2280	144	28	(	(	PUNCT
easat-2280	144	29	k	k	PROPN
easat-2280	144	30	h	h	PROPN
easat-2280	144	31	k	k	PROPN
easat-2280	144	32	yeo	yeo	PROPN
easat-2280	144	33	et	et	PROPN
easat-2280	144	34	al	al	PROPN
easat-2280	144	35	.	.	PROPN
easat-2280	144	36	,	,	PUNCT
easat-2280	144	37	2023	2023	NUM
easat-2280	144	38	)	)	PUNCT
easat-2280	144	39	;	;	PUNCT
easat-2280	144	40	(	(	PUNCT
easat-2280	144	41	owusu	owusu	PROPN
easat-2280	144	42	,	,	PUNCT
easat-2280	144	43	2023	2023	NUM
easat-2280	144	44	)	)	PUNCT
easat-2280	144	45	.	.	PUNCT
easat-2280	145	1	although	although	SCONJ
easat-2280	145	2	financial	financial	ADJ
easat-2280	145	3	literacy	literacy	NOUN
easat-2280	145	4	is	be	AUX
easat-2280	145	5	acknowledged	acknowledge	VERB
easat-2280	145	6	globally	globally	ADV
easat-2280	145	7	as	as	ADP
easat-2280	145	8	vital	vital	ADJ
easat-2280	145	9	,	,	PUNCT
easat-2280	145	10	there	there	PRON
easat-2280	145	11	is	be	VERB
easat-2280	145	12	a	a	DET
easat-2280	145	13	still	still	ADV
easat-2280	145	14	high	high	ADJ
easat-2280	145	15	incidence	incidence	NOUN
easat-2280	145	16	of	of	ADP
easat-2280	145	17	low	low	ADJ
easat-2280	145	18	levels	level	NOUN
easat-2280	145	19	of	of	ADP
easat-2280	145	20	financial	financial	ADJ
easat-2280	145	21	literacy	literacy	NOUN
easat-2280	145	22	in	in	ADP
easat-2280	145	23	a	a	DET
easat-2280	145	24	number	number	NOUN
easat-2280	145	25	of	of	ADP
easat-2280	145	26	societies	society	NOUN
easat-2280	145	27	(	(	PUNCT
easat-2280	145	28	świecka	świecka	NOUN
easat-2280	145	29	,	,	PUNCT
easat-2280	145	30	2019	2019	NUM
easat-2280	145	31	)	)	PUNCT
easat-2280	145	32	.	.	PUNCT
easat-2280	146	1	people	people	NOUN
easat-2280	146	2	and	and	CCONJ
easat-2280	146	3	households	household	NOUN
easat-2280	146	4	are	be	AUX
easat-2280	146	5	not	not	PART
easat-2280	146	6	always	always	ADV
easat-2280	146	7	well	well	ADV
easat-2280	146	8	informed	informed	ADJ
easat-2280	146	9	about	about	ADP
easat-2280	146	10	the	the	DET
easat-2280	146	11	appropriate	appropriate	ADJ
easat-2280	146	12	ways	way	NOUN
easat-2280	146	13	of	of	ADP
easat-2280	146	14	handling	handle	VERB
easat-2280	146	15	their	their	PRON
easat-2280	146	16	money	money	NOUN
easat-2280	146	17	which	which	PRON
easat-2280	146	18	leads	lead	VERB
easat-2280	146	19	to	to	ADP
easat-2280	146	20	inefficient	inefficient	ADJ
easat-2280	146	21	financial	financial	ADJ
easat-2280	146	22	decisions	decision	NOUN
easat-2280	146	23	(	(	PUNCT
easat-2280	146	24	toffel	toffel	NOUN
easat-2280	146	25	,	,	PUNCT
easat-2280	146	26	2016	2016	NUM
easat-2280	146	27	)	)	PUNCT
easat-2280	146	28	.	.	PUNCT
easat-2280	147	1	in	in	ADP
easat-2280	147	2	this	this	DET
easat-2280	147	3	context	context	NOUN
easat-2280	147	4	,	,	PUNCT
easat-2280	147	5	previous	previous	ADJ
easat-2280	147	6	findings	finding	NOUN
easat-2280	147	7	showing	show	VERB
easat-2280	147	8	a	a	DET
easat-2280	147	9	positive	positive	ADJ
easat-2280	147	10	relationship	relationship	NOUN
easat-2280	147	11	between	between	ADP
easat-2280	147	12	financial	financial	ADJ
easat-2280	147	13	literacy	literacy	NOUN
easat-2280	147	14	and	and	CCONJ
easat-2280	147	15	family	family	NOUN
easat-2280	147	16	financial	financial	ADJ
easat-2280	147	17	planning	planning	NOUN
easat-2280	147	18	(	(	PUNCT
easat-2280	147	19	mireku	mireku	ADV
easat-2280	147	20	et	et	PROPN
easat-2280	147	21	al	al	PROPN
easat-2280	147	22	.	.	PROPN
easat-2280	147	23	,	,	PUNCT
easat-2280	147	24	2023	2023	NUM
easat-2280	147	25	)	)	PUNCT
easat-2280	147	26	;	;	PUNCT
easat-2280	147	27	(	(	PUNCT
easat-2280	147	28	dogra	dogra	PROPN
easat-2280	147	29	et	et	PROPN
easat-2280	147	30	al	al	PROPN
easat-2280	147	31	.	.	PROPN
easat-2280	147	32	,	,	PUNCT
easat-2280	147	33	2023	2023	NUM
easat-2280	147	34	)	)	PUNCT
easat-2280	147	35	;	;	PUNCT
easat-2280	147	36	(	(	PUNCT
easat-2280	147	37	augustin	augustin	PROPN
easat-2280	147	38	&	&	CCONJ
easat-2280	147	39	martin	martin	PROPN
easat-2280	147	40	,	,	PUNCT
easat-2280	147	41	2022	2022	NUM
easat-2280	147	42	)	)	PUNCT
easat-2280	147	43	support	support	VERB
easat-2280	147	44	the	the	DET
easat-2280	147	45	following	follow	VERB
easat-2280	147	46	hypothesis	hypothesis	NOUN
easat-2280	147	47	:	:	PUNCT
easat-2280	147	48	in	in	ADP
easat-2280	147	49	this	this	DET
easat-2280	147	50	context	context	NOUN
easat-2280	147	51	,	,	PUNCT
easat-2280	147	52	previous	previous	ADJ
easat-2280	147	53	findings	finding	NOUN
easat-2280	147	54	showing	show	VERB
easat-2280	147	55	a	a	DET
easat-2280	147	56	positive	positive	ADJ
easat-2280	147	57	relationship	relationship	NOUN
easat-2280	147	58	between	between	ADP
easat-2280	147	59	financial	financial	ADJ
easat-2280	147	60	literacy	literacy	NOUN
easat-2280	147	61	and	and	CCONJ
easat-2280	147	62	family	family	NOUN
easat-2280	147	63	financial	financial	ADJ
easat-2280	147	64	planning	planning	NOUN
easat-2280	147	65	support	support	VERB
easat-2280	147	66	the	the	DET
easat-2280	147	67	following	follow	VERB
easat-2280	147	68	hypothesis	hypothesis	NOUN
easat-2280	147	69	:	:	PUNCT
easat-2280	147	70	h9	h9	NOUN
easat-2280	147	71	:	:	PUNCT
easat-2280	147	72	financial	financial	ADJ
easat-2280	147	73	literacy	literacy	NOUN
easat-2280	147	74	has	have	VERB
easat-2280	147	75	a	a	DET
easat-2280	147	76	significant	significant	ADJ
easat-2280	147	77	influence	influence	NOUN
easat-2280	147	78	on	on	ADP
easat-2280	147	79	family	family	NOUN
easat-2280	147	80	financial	financial	ADJ
easat-2280	147	81	planning	planning	NOUN
easat-2280	147	82	among	among	ADP
easat-2280	147	83	naval	naval	ADJ
easat-2280	147	84	families	family	NOUN
easat-2280	147	85	at	at	ADP
easat-2280	147	86	hera	hera	PROPN
easat-2280	147	87	naval	naval	PROPN
easat-2280	147	88	base	base	PROPN
easat-2280	147	89	,	,	PUNCT
easat-2280	147	90	timor	timor	PROPN
easat-2280	147	91	leste	leste	PROPN
easat-2280	147	92	.	.	PUNCT
easat-2280	148	1	2.2.10	2.2.10	NUM
easat-2280	148	2	.	.	PUNCT
easat-2280	149	1	financial	financial	ADJ
easat-2280	149	2	quotient	quotient	NOUN
easat-2280	149	3	moderates	moderate	VERB
easat-2280	149	4	the	the	DET
easat-2280	149	5	influence	influence	NOUN
easat-2280	149	6	of	of	ADP
easat-2280	149	7	financial	financial	ADJ
easat-2280	149	8	technology	technology	NOUN
easat-2280	149	9	on	on	ADP
easat-2280	149	10	financial	financial	ADJ
easat-2280	149	11	attitude	attitude	NOUN
easat-2280	149	12	financial	financial	ADJ
easat-2280	149	13	technology	technology	NOUN
easat-2280	149	14	(	(	PUNCT
easat-2280	149	15	fintech	fintech	NOUN
easat-2280	149	16	)	)	PUNCT
easat-2280	149	17	is	be	AUX
easat-2280	149	18	technology	technology	NOUN
easat-2280	149	19	applied	apply	VERB
easat-2280	149	20	to	to	ADP
easat-2280	149	21	the	the	DET
easat-2280	149	22	provision	provision	NOUN
easat-2280	149	23	of	of	ADP
easat-2280	149	24	a	a	DET
easat-2280	149	25	financial	financial	ADJ
easat-2280	149	26	service	service	NOUN
easat-2280	149	27	;	;	PUNCT
easat-2280	149	28	including	include	VERB
easat-2280	149	29	banking	banking	NOUN
easat-2280	149	30	software	software	NOUN
easat-2280	149	31	,	,	PUNCT
easat-2280	149	32	apps	app	NOUN
easat-2280	149	33	,	,	PUNCT
easat-2280	149	34	marketplace	marketplace	NOUN
easat-2280	149	35	loans	loan	NOUN
easat-2280	149	36	,	,	PUNCT
easat-2280	149	37	and	and	CCONJ
easat-2280	149	38	financial	financial	ADJ
easat-2280	149	39	advice	advice	NOUN
easat-2280	149	40	(	(	PUNCT
easat-2280	149	41	almomani	almomani	PROPN
easat-2280	149	42	&	&	CCONJ
easat-2280	149	43	alomari	alomari	PROPN
easat-2280	149	44	,	,	PUNCT
easat-2280	149	45	2021	2021	NUM
easat-2280	149	46	)	)	PUNCT
easat-2280	149	47	.	.	PUNCT
easat-2280	150	1	fintech	fintech	NOUN
easat-2280	150	2	can	can	AUX
easat-2280	150	3	also	also	ADV
easat-2280	150	4	shape	shape	VERB
easat-2280	150	5	the	the	DET
easat-2280	150	6	financial	financial	ADJ
easat-2280	150	7	perceptions	perception	NOUN
easat-2280	150	8	of	of	ADP
easat-2280	150	9	people	people	NOUN
easat-2280	150	10	by	by	ADP
easat-2280	150	11	enhancing	enhance	VERB
easat-2280	150	12	the	the	DET
easat-2280	150	13	acquirement	acquirement	NOUN
easat-2280	150	14	of	of	ADP
easat-2280	150	15	certain	certain	ADJ
easat-2280	150	16	innovative	innovative	ADJ
easat-2280	150	17	financial	financial	ADJ
easat-2280	150	18	products	product	NOUN
easat-2280	150	19	,	,	PUNCT
easat-2280	150	20	also	also	ADV
easat-2280	150	21	disclosing	disclose	VERB
easat-2280	150	22	information	information	NOUN
easat-2280	150	23	about	about	ADP
easat-2280	150	24	the	the	DET
easat-2280	150	25	available	available	ADJ
easat-2280	150	26	options	option	NOUN
easat-2280	150	27	,	,	PUNCT
easat-2280	150	28	as	as	ADV
easat-2280	150	29	well	well	ADV
easat-2280	150	30	as	as	ADP
easat-2280	150	31	enhance	enhance	VERB
easat-2280	150	32	efficient	efficient	ADJ
easat-2280	150	33	management	management	NOUN
easat-2280	150	34	of	of	ADP
easat-2280	150	35	the	the	DET
easat-2280	150	36	personal	personal	ADJ
easat-2280	150	37	finances	finance	NOUN
easat-2280	150	38	(	(	PUNCT
easat-2280	150	39	li	li	PROPN
easat-2280	150	40	&	&	CCONJ
easat-2280	150	41	xu	xu	PROPN
easat-2280	150	42	,	,	PUNCT
easat-2280	150	43	2021	2021	NUM
easat-2280	150	44	)	)	PUNCT
easat-2280	150	45	.	.	PUNCT
easat-2280	151	1	financial	financial	ADJ
easat-2280	151	2	attitude	attitude	NOUN
easat-2280	151	3	encompasses	encompass	VERB
easat-2280	151	4	a	a	DET
easat-2280	151	5	person	person	NOUN
easat-2280	151	6	’s	’s	PART
easat-2280	151	7	disposition	disposition	NOUN
easat-2280	151	8	and	and	CCONJ
easat-2280	151	9	emotions	emotion	NOUN
easat-2280	151	10	towards	towards	ADP
easat-2280	151	11	the	the	DET
easat-2280	151	12	financial	financial	ADJ
easat-2280	151	13	management	management	NOUN
easat-2280	151	14	and	and	CCONJ
easat-2280	151	15	planning	planning	NOUN
easat-2280	151	16	processes	process	NOUN
easat-2280	151	17	,	,	PUNCT
easat-2280	151	18	and	and	CCONJ
easat-2280	151	19	his	his	PRON
easat-2280	151	20	or	or	CCONJ
easat-2280	151	21	her	her	PRON
easat-2280	151	22	psychological	psychological	ADJ
easat-2280	151	23	stance	stance	NOUN
easat-2280	151	24	toward	toward	ADP
easat-2280	151	25	the	the	DET
easat-2280	151	26	described	describe	VERB
easat-2280	151	27	processes	process	NOUN
easat-2280	151	28	.	.	PUNCT
easat-2280	152	1	this	this	DET
easat-2280	152	2	attitude	attitude	NOUN
easat-2280	152	3	includes	include	VERB
easat-2280	152	4	affective	affective	NOUN
easat-2280	152	5	,	,	PUNCT
easat-2280	152	6	cognitive	cognitive	ADJ
easat-2280	152	7	and	and	CCONJ
easat-2280	152	8	conative	conative	ADJ
easat-2280	152	9	factors	factor	NOUN
easat-2280	152	10	that	that	PRON
easat-2280	152	11	define	define	VERB
easat-2280	152	12	people	people	NOUN
easat-2280	152	13	’s	’s	PART
easat-2280	152	14	reactions	reaction	NOUN
easat-2280	152	15	and	and	CCONJ
easat-2280	152	16	appraisals	appraisal	NOUN
easat-2280	152	17	of	of	ADP
easat-2280	152	18	financial	financial	ADJ
easat-2280	152	19	actions	action	NOUN
easat-2280	152	20	(	(	PUNCT
easat-2280	152	21	sesini	sesini	PROPN
easat-2280	152	22	&	&	CCONJ
easat-2280	152	23	lozza	lozza	PROPN
easat-2280	152	24	,	,	PUNCT
easat-2280	152	25	2023	2023	NUM
easat-2280	152	26	)	)	PUNCT
easat-2280	152	27	;	;	PUNCT
easat-2280	152	28	(	(	PUNCT
easat-2280	152	29	ardradhika	ardradhika	X
easat-2280	152	30	et	et	PROPN
easat-2280	152	31	al	al	PROPN
easat-2280	152	32	.	.	PROPN
easat-2280	152	33	,	,	PUNCT
easat-2280	152	34	2023	2023	NUM
easat-2280	152	35	)	)	PUNCT
easat-2280	152	36	.	.	PUNCT
easat-2280	153	1	it	it	PRON
easat-2280	153	2	shows	show	VERB
easat-2280	153	3	that	that	SCONJ
easat-2280	153	4	people	people	NOUN
easat-2280	153	5	’s	’s	PART
easat-2280	153	6	financial	financial	ADJ
easat-2280	153	7	attitude	attitude	NOUN
easat-2280	153	8	can	can	AUX
easat-2280	153	9	be	be	AUX
easat-2280	153	10	changed	change	VERB
easat-2280	153	11	by	by	ADP
easat-2280	153	12	convenience	convenience	NOUN
easat-2280	153	13	and	and	CCONJ
easat-2280	153	14	efficiency	efficiency	NOUN
easat-2280	153	15	of	of	ADP
easat-2280	153	16	fintech	fintech	NOUN
easat-2280	153	17	,	,	PUNCT
easat-2280	153	18	therefore	therefore	ADV
easat-2280	153	19	,	,	PUNCT
easat-2280	153	20	the	the	DET
easat-2280	153	21	change	change	NOUN
easat-2280	153	22	in	in	ADP
easat-2280	153	23	the	the	DET
easat-2280	153	24	type	type	NOUN
easat-2280	153	25	of	of	ADP
easat-2280	153	26	the	the	DET
easat-2280	153	27	attitude	attitude	NOUN
easat-2280	153	28	towards	towards	ADP
easat-2280	153	29	fintech	fintech	NOUN
easat-2280	153	30	influences	influence	VERB
easat-2280	153	31	the	the	DET
easat-2280	153	32	frequency	frequency	NOUN
easat-2280	153	33	of	of	ADP
easat-2280	153	34	financial	financial	ADJ
easat-2280	153	35	management	management	NOUN
easat-2280	153	36	actions	action	NOUN
easat-2280	153	37	(	(	PUNCT
easat-2280	153	38	hwang	hwang	PROPN
easat-2280	153	39	&	&	CCONJ
easat-2280	153	40	lee	lee	PROPN
easat-2280	153	41	,	,	PUNCT
easat-2280	153	42	2019	2019	NUM
easat-2280	153	43	)	)	PUNCT
easat-2280	153	44	;	;	PUNCT
easat-2280	153	45	(	(	PUNCT
easat-2280	153	46	almashhadani	almashhadani	NOUN
easat-2280	153	47	et	et	PROPN
easat-2280	153	48	al	al	PROPN
easat-2280	153	49	.	.	PROPN
easat-2280	153	50	,	,	PUNCT
easat-2280	153	51	2023).the	2023).the	PRON
easat-2280	153	52	financial	financial	ADJ
easat-2280	153	53	literacy	literacy	NOUN
easat-2280	153	54	index	index	NOUN
easat-2280	153	55	or	or	CCONJ
easat-2280	153	56	financial	financial	ADJ
easat-2280	153	57	quotient	quotient	NOUN
easat-2280	153	58	(	(	PUNCT
easat-2280	153	59	fq	fq	NOUN
easat-2280	153	60	)	)	PUNCT
easat-2280	153	61	refers	refer	VERB
easat-2280	153	62	to	to	ADP
easat-2280	153	63	the	the	DET
easat-2280	153	64	level	level	NOUN
easat-2280	153	65	of	of	ADP
easat-2280	153	66	knowledge	knowledge	NOUN
easat-2280	153	67	or	or	CCONJ
easat-2280	153	68	proficiency	proficiency	NOUN
easat-2280	153	69	with	with	ADP
easat-2280	153	70	regard	regard	NOUN
easat-2280	153	71	to	to	ADP
easat-2280	153	72	financial	financial	ADJ
easat-2280	153	73	matters	matter	NOUN
easat-2280	153	74	with	with	ADP
easat-2280	153	75	is	be	AUX
easat-2280	153	76	expressed	express	VERB
easat-2280	153	77	as	as	ADP
easat-2280	153	78	the	the	DET
easat-2280	153	79	ability	ability	NOUN
easat-2280	153	80	to	to	PART
easat-2280	153	81	reason	reason	VERB
easat-2280	153	82	through	through	ADP
easat-2280	153	83	information	information	NOUN
easat-2280	153	84	and	and	CCONJ
easat-2280	153	85	make	make	VERB
easat-2280	153	86	sound	sound	ADJ
easat-2280	153	87	financial	financial	ADJ
easat-2280	153	88	decisions	decision	NOUN
easat-2280	153	89	(	(	PUNCT
easat-2280	153	90	lusardi	lusardi	NOUN
easat-2280	153	91	,	,	PUNCT
easat-2280	153	92	2019	2019	NUM
easat-2280	153	93	)	)	PUNCT
easat-2280	153	94	;	;	PUNCT
easat-2280	153	95	(	(	PUNCT
easat-2280	153	96	lusardi	lusardi	PROPN
easat-2280	153	97	&	&	CCONJ
easat-2280	153	98	mitchell	mitchell	PROPN
easat-2280	153	99	2014	2014	NUM
easat-2280	153	100	)	)	PUNCT
easat-2280	153	101	.	.	PUNCT
easat-2280	154	1	under	under	ADP
easat-2280	154	2	this	this	DET
easat-2280	154	3	circumstance	circumstance	NOUN
easat-2280	154	4	,	,	PUNCT
easat-2280	154	5	fq	fq	PROPN
easat-2280	154	6	serves	serve	VERB
easat-2280	154	7	as	as	ADP
easat-2280	154	8	a	a	DET
easat-2280	154	9	moderator	moderator	NOUN
easat-2280	154	10	that	that	PRON
easat-2280	154	11	moderates	moderate	VERB
easat-2280	154	12	the	the	DET
easat-2280	154	13	interaction	interaction	NOUN
easat-2280	154	14	between	between	ADP
easat-2280	154	15	fintech	fintech	NOUN
easat-2280	154	16	usage	usage	NOUN
easat-2280	154	17	and	and	CCONJ
easat-2280	154	18	financial	financial	ADJ
easat-2280	154	19	attitude	attitude	NOUN
easat-2280	154	20	.	.	PUNCT
easat-2280	155	1	thus	thus	ADV
easat-2280	155	2	,	,	PUNCT
easat-2280	155	3	high	high	ADJ
easat-2280	155	4	fq	fq	PROPN
easat-2280	155	5	people	people	NOUN
easat-2280	155	6	may	may	AUX
easat-2280	155	7	be	be	AUX
easat-2280	155	8	in	in	ADP
easat-2280	155	9	a	a	DET
easat-2280	155	10	better	well	ADJ
easat-2280	155	11	position	position	NOUN
easat-2280	155	12	to	to	PART
easat-2280	155	13	capture	capture	VERB
easat-2280	155	14	effective	effective	ADJ
easat-2280	155	15	utility	utility	NOUN
easat-2280	155	16	(	(	PUNCT
easat-2280	155	17	features	feature	NOUN
easat-2280	155	18	and	and	CCONJ
easat-2280	155	19	benefits	benefit	NOUN
easat-2280	155	20	)	)	PUNCT
easat-2280	155	21	of	of	ADP
easat-2280	155	22	fintech	fintech	NOUN
easat-2280	155	23	applications	application	NOUN
easat-2280	155	24	,	,	PUNCT
easat-2280	155	25	which	which	PRON
easat-2280	155	26	in	in	ADP
easat-2280	155	27	turn	turn	NOUN
easat-2280	155	28	,	,	PUNCT
easat-2280	155	29	may	may	AUX
easat-2280	155	30	build	build	VERB
easat-2280	155	31	higher	high	ADJ
easat-2280	155	32	and	and	CCONJ
easat-2280	155	33	positive	positive	ADJ
easat-2280	155	34	self	self	NOUN
easat-2280	155	35	-	-	PUNCT
easat-2280	155	36	attitude	attitude	NOUN
easat-2280	155	37	towards	towards	ADP
easat-2280	155	38	efficient	efficient	ADJ
easat-2280	155	39	financial	financial	ADJ
easat-2280	155	40	management	management	NOUN
easat-2280	155	41	.	.	PUNCT
easat-2280	156	1	hence	hence	ADV
easat-2280	156	2	,	,	PUNCT
easat-2280	156	3	the	the	DET
easat-2280	156	4	proposed	propose	VERB
easat-2280	156	5	hypothesis	hypothesis	NOUN
easat-2280	156	6	is	be	AUX
easat-2280	156	7	:	:	PUNCT
easat-2280	156	8	h10	h10	NOUN
easat-2280	156	9	:	:	PUNCT
easat-2280	156	10	financial	financial	ADJ
easat-2280	156	11	quotient	quotient	NOUN
easat-2280	156	12	moderates	moderate	VERB
easat-2280	156	13	the	the	DET
easat-2280	156	14	influence	influence	NOUN
easat-2280	156	15	of	of	ADP
easat-2280	156	16	financial	financial	ADJ
easat-2280	156	17	technology	technology	NOUN
easat-2280	156	18	on	on	ADP
easat-2280	156	19	financial	financial	ADJ
easat-2280	156	20	attitude	attitude	NOUN
easat-2280	156	21	among	among	ADP
easat-2280	156	22	naval	naval	ADJ
easat-2280	156	23	families	family	NOUN
easat-2280	156	24	at	at	ADP
easat-2280	156	25	hera	hera	PROPN
easat-2280	156	26	naval	naval	PROPN
easat-2280	156	27	base	base	PROPN
easat-2280	156	28	,	,	PUNCT
easat-2280	156	29	timor	timor	PROPN
easat-2280	156	30	-	-	PUNCT
easat-2280	156	31	leste	leste	PROPN
easat-2280	156	32	.	.	PUNCT
easat-2280	157	1	2.2.11	2.2.11	NUM
easat-2280	157	2	.	.	PUNCT
easat-2280	157	3	financial	financial	ADJ
easat-2280	157	4	quotient	quotient	NOUN
easat-2280	157	5	as	as	ADP
easat-2280	157	6	a	a	DET
easat-2280	157	7	moderator	moderator	NOUN
easat-2280	157	8	of	of	ADP
easat-2280	157	9	the	the	DET
easat-2280	157	10	effect	effect	NOUN
easat-2280	157	11	of	of	ADP
easat-2280	157	12	financial	financial	ADJ
easat-2280	157	13	technology	technology	NOUN
easat-2280	157	14	on	on	ADP
easat-2280	157	15	personal	personal	ADJ
easat-2280	157	16	saving	saving	NOUN
easat-2280	157	17	orientation	orientation	NOUN
easat-2280	157	18	the	the	DET
easat-2280	157	19	financial	financial	ADJ
easat-2280	157	20	literacy	literacy	NOUN
easat-2280	157	21	is	be	AUX
easat-2280	157	22	defined	define	VERB
easat-2280	157	23	by	by	ADP
easat-2280	157	24	the	the	DET
easat-2280	157	25	financial	financial	ADJ
easat-2280	157	26	quotient	quotient	NOUN
easat-2280	157	27	(	(	PUNCT
easat-2280	157	28	fq	fq	PROPN
easat-2280	157	29	)	)	PUNCT
easat-2280	157	30	—	—	PUNCT
easat-2280	157	31	a	a	DET
easat-2280	157	32	measure	measure	NOUN
easat-2280	157	33	reflecting	reflect	VERB
easat-2280	157	34	a	a	DET
easat-2280	157	35	person	person	NOUN
easat-2280	157	36	’s	’s	PART
easat-2280	157	37	capability	capability	NOUN
easat-2280	157	38	of	of	ADP
easat-2280	157	39	applying	apply	VERB
easat-2280	157	40	financial	financial	ADJ
easat-2280	157	41	knowledge	knowledge	NOUN
easat-2280	157	42	and	and	CCONJ
easat-2280	157	43	information	information	NOUN
easat-2280	157	44	(	(	PUNCT
easat-2280	157	45	lusardi	lusardi	PROPN
easat-2280	157	46	&	&	CCONJ
easat-2280	157	47	mitchell	mitchell	PROPN
easat-2280	157	48	,	,	PUNCT
easat-2280	157	49	2013	2013	NUM
easat-2280	157	50	)	)	PUNCT
easat-2280	157	51	;	;	PUNCT
easat-2280	157	52	(	(	PUNCT
easat-2280	157	53	lusardi	lusardi	PROPN
easat-2280	157	54	&	&	CCONJ
easat-2280	157	55	mitchell	mitchell	PROPN
easat-2280	157	56	,	,	PUNCT
easat-2280	157	57	2014	2014	NUM
easat-2280	157	58	)	)	PUNCT
easat-2280	157	59	.	.	PUNCT
easat-2280	158	1	in	in	ADP
easat-2280	158	2	this	this	DET
easat-2280	158	3	regard	regard	NOUN
easat-2280	158	4	,	,	PUNCT
easat-2280	158	5	fq	fq	PROPN
easat-2280	158	6	assumes	assume	VERB
easat-2280	158	7	the	the	DET
easat-2280	158	8	role	role	NOUN
easat-2280	158	9	of	of	ADP
easat-2280	158	10	a	a	DET
easat-2280	158	11	moderator	moderator	NOUN
easat-2280	158	12	that	that	PRON
easat-2280	158	13	mediates	mediate	VERB
easat-2280	158	14	the	the	DET
easat-2280	158	15	connection	connection	NOUN
easat-2280	158	16	between	between	ADP
easat-2280	158	17	fintech	fintech	NOUN
easat-2280	158	18	and	and	CCONJ
easat-2280	158	19	personal	personal	ADJ
easat-2280	158	20	saving	saving	NOUN
easat-2280	158	21	orientation	orientation	NOUN
easat-2280	158	22	(	(	PUNCT
easat-2280	158	23	pso	pso	NOUN
easat-2280	158	24	)	)	PUNCT
easat-2280	158	25	.	.	PUNCT
easat-2280	159	1	therefore	therefore	ADV
easat-2280	159	2	,	,	PUNCT
easat-2280	159	3	defines	define	VERB
easat-2280	159	4	personal	personal	ADJ
easat-2280	159	5	saving	saving	NOUN
easat-2280	159	6	orientation	orientation	NOUN
easat-2280	159	7	(	(	PUNCT
easat-2280	159	8	pso	pso	NOUN
easat-2280	159	9	)	)	PUNCT
easat-2280	159	10	as	as	ADP
easat-2280	159	11	“	"	PUNCT
easat-2280	159	12	the	the	DET
easat-2280	159	13	set	set	NOUN
easat-2280	159	14	of	of	ADP
easat-2280	159	15	activities	activity	NOUN
easat-2280	159	16	that	that	PRON
easat-2280	159	17	a	a	DET
easat-2280	159	18	person	person	NOUN
easat-2280	159	19	undertakes	undertake	VERB
easat-2280	159	20	in	in	ADP
easat-2280	159	21	saving	save	VERB
easat-2280	159	22	including	include	VERB
easat-2280	159	23	hankering	hanker	VERB
easat-2280	159	24	or	or	CCONJ
easat-2280	159	25	habitual	habitual	ADJ
easat-2280	159	26	and	and	CCONJ
easat-2280	159	27	volitional	volitional	ADJ
easat-2280	159	28	,	,	PUNCT
easat-2280	159	29	intentional	intentional	ADJ
easat-2280	159	30	or	or	CCONJ
easat-2280	159	31	sporadic	sporadic	ADJ
easat-2280	159	32	but	but	CCONJ
easat-2280	159	33	are	be	AUX
easat-2280	159	34	part	part	NOUN
easat-2280	159	35	of	of	ADP
easat-2280	159	36	one	one	NUM
easat-2280	159	37	’s	’s	PART
easat-2280	159	38	life	life	NOUN
easat-2280	159	39	”	"	PUNCT
easat-2280	159	40	.	.	PUNCT
easat-2280	160	1	pso	pso	NOUN
easat-2280	160	2	encompasses	encompass	VERB
easat-2280	160	3	two	two	NUM
easat-2280	160	4	primary	primary	ADJ
easat-2280	160	5	dimensions	dimension	NOUN
easat-2280	160	6	:	:	PUNCT
easat-2280	160	7	long	long	ADJ
easat-2280	160	8	-	-	PUNCT
easat-2280	160	9	term	term	NOUN
easat-2280	160	10	saving	saving	NOUN
easat-2280	160	11	disposition	disposition	NOUN
easat-2280	160	12	and	and	CCONJ
easat-2280	160	13	saving	save	VERB
easat-2280	160	14	actions	action	NOUN
easat-2280	160	15	that	that	PRON
easat-2280	160	16	are	be	AUX
easat-2280	160	17	a	a	DET
easat-2280	160	18	consistent	consistent	ADJ
easat-2280	160	19	and	and	CCONJ
easat-2280	160	20	conscious	conscious	ADJ
easat-2280	160	21	element	element	NOUN
easat-2280	160	22	1584	1584	NUM
easat-2280	160	23	edelweiss	edelweiss	PROPN
easat-2280	160	24	applied	apply	VERB
easat-2280	160	25	science	science	NOUN
easat-2280	160	26	and	and	CCONJ
easat-2280	160	27	technology	technology	NOUN
easat-2280	160	28	issn	issn	PROPN
easat-2280	160	29	:	:	PUNCT
easat-2280	160	30	2576	2576	NUM
easat-2280	160	31	-	-	SYM
easat-2280	160	32	8484	8484	NUM
easat-2280	160	33	vol	vol	NOUN
easat-2280	160	34	.	.	PROPN
easat-2280	160	35	8	8	NUM
easat-2280	160	36	,	,	PUNCT
easat-2280	160	37	no	no	INTJ
easat-2280	160	38	.	.	NOUN
easat-2280	161	1	6	6	NUM
easat-2280	161	2	:	:	SYM
easat-2280	161	3	1577	1577	NUM
easat-2280	161	4	-	-	SYM
easat-2280	161	5	1597	1597	NUM
easat-2280	161	6	,	,	PUNCT
easat-2280	161	7	2024	2024	NUM
easat-2280	161	8	doi	doi	NOUN
easat-2280	161	9	:	:	PUNCT
easat-2280	161	10	10.55214/25768484.v8i6.2280	10.55214/25768484.v8i6.2280	NUM
easat-2280	161	11	©	©	PROPN
easat-2280	161	12	2024	2024	NUM
easat-2280	161	13	by	by	ADP
easat-2280	161	14	the	the	DET
easat-2280	161	15	authors	author	NOUN
easat-2280	161	16	;	;	PUNCT
easat-2280	161	17	licensee	licensee	PROPN
easat-2280	161	18	learning	learn	VERB
easat-2280	161	19	gate	gate	NOUN
easat-2280	161	20	of	of	ADP
easat-2280	161	21	individual	individual	PROPN
easat-2280	161	22	’s	’s	PART
easat-2280	161	23	current	current	ADJ
easat-2280	161	24	/	/	SYM
easat-2280	161	25	present	present	ADJ
easat-2280	161	26	lifestyle	lifestyle	NOUN
easat-2280	161	27	(	(	PUNCT
easat-2280	161	28	price	price	NOUN
easat-2280	161	29	,	,	PUNCT
easat-2280	161	30	2020	2020	NUM
easat-2280	161	31	)	)	PUNCT
easat-2280	161	32	;	;	PUNCT
easat-2280	161	33	(	(	PUNCT
easat-2280	161	34	shockey	shockey	PROPN
easat-2280	161	35	&	&	CCONJ
easat-2280	161	36	seiling	seiling	PROPN
easat-2280	161	37	,	,	PUNCT
easat-2280	161	38	2004	2004	NUM
easat-2280	161	39	)	)	PUNCT
easat-2280	161	40	;	;	PUNCT
easat-2280	161	41	(	(	PUNCT
easat-2280	161	42	nenkov	nenkov	VERB
easat-2280	161	43	et	et	PROPN
easat-2280	161	44	al	al	PROPN
easat-2280	161	45	.	.	PROPN
easat-2280	161	46	,	,	PUNCT
easat-2280	161	47	2009	2009	NUM
easat-2280	161	48	)	)	PUNCT
easat-2280	161	49	.	.	PUNCT
easat-2280	162	1	it	it	PRON
easat-2280	162	2	is	be	AUX
easat-2280	162	3	worth	worth	ADJ
easat-2280	162	4	assuming	assume	VERB
easat-2280	162	5	that	that	SCONJ
easat-2280	162	6	people	people	NOUN
easat-2280	162	7	with	with	ADP
easat-2280	162	8	a	a	DET
easat-2280	162	9	higher	high	ADJ
easat-2280	162	10	fq	fq	NOUN
easat-2280	162	11	are	be	AUX
easat-2280	162	12	capable	capable	ADJ
easat-2280	162	13	of	of	ADP
easat-2280	162	14	using	use	VERB
easat-2280	162	15	fintech	fintech	NOUN
easat-2280	162	16	tools	tool	NOUN
easat-2280	162	17	to	to	PART
easat-2280	162	18	strengthen	strengthen	VERB
easat-2280	162	19	the	the	DET
easat-2280	162	20	saving	saving	NOUN
easat-2280	162	21	attitudes	attitude	NOUN
easat-2280	162	22	,	,	PUNCT
easat-2280	162	23	and	and	CCONJ
easat-2280	162	24	thereby	thereby	ADV
easat-2280	162	25	increase	increase	VERB
easat-2280	162	26	the	the	DET
easat-2280	162	27	positive	positive	ADJ
easat-2280	162	28	influence	influence	NOUN
easat-2280	162	29	of	of	ADP
easat-2280	162	30	fintech	fintech	NOUN
easat-2280	162	31	solutions	solution	NOUN
easat-2280	162	32	.	.	PUNCT
easat-2280	163	1	thus	thus	ADV
easat-2280	163	2	,	,	PUNCT
easat-2280	163	3	the	the	DET
easat-2280	163	4	proposed	propose	VERB
easat-2280	163	5	hypothesis	hypothesis	NOUN
easat-2280	163	6	is	be	AUX
easat-2280	163	7	:	:	PUNCT
easat-2280	163	8	h11	h11	NOUN
easat-2280	163	9	:	:	PUNCT
easat-2280	163	10	financial	financial	ADJ
easat-2280	163	11	quotient	quotient	NOUN
easat-2280	163	12	moderates	moderate	VERB
easat-2280	163	13	the	the	DET
easat-2280	163	14	effect	effect	NOUN
easat-2280	163	15	of	of	ADP
easat-2280	163	16	financial	financial	ADJ
easat-2280	163	17	technology	technology	NOUN
easat-2280	163	18	on	on	ADP
easat-2280	163	19	personal	personal	ADJ
easat-2280	163	20	saving	saving	NOUN
easat-2280	163	21	orientation	orientation	NOUN
easat-2280	163	22	among	among	ADP
easat-2280	163	23	naval	naval	ADJ
easat-2280	163	24	families	family	NOUN
easat-2280	163	25	at	at	ADP
easat-2280	163	26	hera	hera	PROPN
easat-2280	163	27	naval	naval	PROPN
easat-2280	163	28	base	base	PROPN
easat-2280	163	29	,	,	PUNCT
easat-2280	163	30	timor	timor	PROPN
easat-2280	163	31	-	-	PUNCT
easat-2280	163	32	leste	leste	PROPN
easat-2280	163	33	.	.	PUNCT
easat-2280	164	1	2.2.12	2.2.12	NUM
easat-2280	164	2	.	.	PUNCT
easat-2280	164	3	financial	financial	ADJ
easat-2280	164	4	quotient	quotient	NOUN
easat-2280	164	5	as	as	ADP
easat-2280	164	6	a	a	DET
easat-2280	164	7	moderator	moderator	NOUN
easat-2280	164	8	in	in	ADP
easat-2280	164	9	the	the	DET
easat-2280	164	10	influence	influence	NOUN
easat-2280	164	11	of	of	ADP
easat-2280	164	12	financial	financial	ADJ
easat-2280	164	13	technology	technology	NOUN
easat-2280	164	14	on	on	ADP
easat-2280	164	15	family	family	NOUN
easat-2280	164	16	financial	financial	ADJ
easat-2280	164	17	planning	planning	NOUN
easat-2280	164	18	fintech	fintech	NOUN
easat-2280	164	19	is	be	AUX
easat-2280	164	20	defined	define	VERB
easat-2280	164	21	as	as	ADP
easat-2280	164	22	the	the	DET
easat-2280	164	23	use	use	NOUN
easat-2280	164	24	of	of	ADP
easat-2280	164	25	technology	technology	NOUN
easat-2280	164	26	solutions	solution	NOUN
easat-2280	164	27	in	in	ADP
easat-2280	164	28	the	the	DET
easat-2280	164	29	provision	provision	NOUN
easat-2280	164	30	of	of	ADP
easat-2280	164	31	financial	financial	ADJ
easat-2280	164	32	services	service	NOUN
easat-2280	164	33	with	with	ADP
easat-2280	164	34	an	an	DET
easat-2280	164	35	aim	aim	NOUN
easat-2280	164	36	of	of	ADP
easat-2280	164	37	making	make	VERB
easat-2280	164	38	the	the	DET
easat-2280	164	39	processes	process	NOUN
easat-2280	164	40	more	more	ADV
easat-2280	164	41	efficient	efficient	ADJ
easat-2280	164	42	and	and	CCONJ
easat-2280	164	43	accessible	accessible	ADJ
easat-2280	164	44	.	.	PUNCT
easat-2280	165	1	these	these	PRON
easat-2280	165	2	are	be	AUX
easat-2280	165	3	for	for	ADP
easat-2280	165	4	instance	instance	NOUN
easat-2280	165	5	mobile	mobile	ADJ
easat-2280	165	6	banking	banking	NOUN
easat-2280	165	7	apps	app	NOUN
easat-2280	165	8	,	,	PUNCT
easat-2280	165	9	online	online	ADJ
easat-2280	165	10	investment	investment	NOUN
easat-2280	165	11	portals	portal	NOUN
easat-2280	165	12	and	and	CCONJ
easat-2280	165	13	other	other	ADJ
easat-2280	165	14	fintech	fintech	NOUN
easat-2280	165	15	solutions	solution	NOUN
easat-2280	165	16	for	for	ADP
easat-2280	165	17	managing	manage	VERB
easat-2280	165	18	money	money	NOUN
easat-2280	165	19	(	(	PUNCT
easat-2280	165	20	liu	liu	PROPN
easat-2280	165	21	et	et	PROPN
easat-2280	165	22	al	al	PROPN
easat-2280	165	23	.	.	PROPN
easat-2280	165	24	,	,	PUNCT
easat-2280	165	25	2024	2024	NUM
easat-2280	165	26	)	)	PUNCT
easat-2280	165	27	;	;	PUNCT
easat-2280	165	28	(	(	PUNCT
easat-2280	165	29	suryono	suryono	VERB
easat-2280	165	30	et	et	PROPN
easat-2280	165	31	al	al	PROPN
easat-2280	165	32	.	.	PROPN
easat-2280	165	33	,	,	PUNCT
easat-2280	165	34	2020	2020	NUM
easat-2280	165	35	)	)	PUNCT
easat-2280	165	36	.	.	PUNCT
easat-2280	166	1	financial	financial	ADJ
easat-2280	166	2	planning	planning	NOUN
easat-2280	166	3	means	mean	VERB
easat-2280	166	4	anticipating	anticipate	VERB
easat-2280	166	5	,	,	PUNCT
easat-2280	166	6	analyzing	analyze	VERB
easat-2280	166	7	and	and	CCONJ
easat-2280	166	8	planning	plan	VERB
easat-2280	166	9	the	the	DET
easat-2280	166	10	financial	financial	ADJ
easat-2280	166	11	resources	resource	NOUN
easat-2280	166	12	of	of	ADP
easat-2280	166	13	a	a	DET
easat-2280	166	14	family	family	NOUN
easat-2280	166	15	for	for	ADP
easat-2280	166	16	the	the	DET
easat-2280	166	17	achievement	achievement	NOUN
easat-2280	166	18	of	of	ADP
easat-2280	166	19	a	a	DET
easat-2280	166	20	certain	certain	ADJ
easat-2280	166	21	family	family	NOUN
easat-2280	166	22	goal	goal	NOUN
easat-2280	166	23	and	and	CCONJ
easat-2280	166	24	objectives	objective	NOUN
easat-2280	166	25	such	such	ADJ
easat-2280	166	26	as	as	ADP
easat-2280	166	27	retirement	retirement	NOUN
easat-2280	166	28	,	,	PUNCT
easat-2280	166	29	children	child	NOUN
easat-2280	166	30	’s	’s	PART
easat-2280	166	31	education	education	NOUN
easat-2280	166	32	expenses	expense	NOUN
easat-2280	166	33	and	and	CCONJ
easat-2280	166	34	paying	pay	VERB
easat-2280	166	35	off	off	ADP
easat-2280	166	36	bills	bill	NOUN
easat-2280	166	37	.	.	PUNCT
easat-2280	167	1	economic	economic	ADJ
easat-2280	167	2	planning	planning	NOUN
easat-2280	167	3	in	in	ADP
easat-2280	167	4	a	a	DET
easat-2280	167	5	family	family	NOUN
easat-2280	167	6	entails	entail	VERB
easat-2280	167	7	designing	design	VERB
easat-2280	167	8	methods	method	NOUN
easat-2280	167	9	of	of	ADP
easat-2280	167	10	how	how	SCONJ
easat-2280	167	11	one	one	PRON
easat-2280	167	12	should	should	AUX
easat-2280	167	13	spend	spend	VERB
easat-2280	167	14	,	,	PUNCT
easat-2280	167	15	invest	invest	VERB
easat-2280	167	16	and	and	CCONJ
easat-2280	167	17	save	save	VERB
easat-2280	167	18	money	money	NOUN
easat-2280	167	19	in	in	ADP
easat-2280	167	20	order	order	NOUN
easat-2280	167	21	to	to	PART
easat-2280	167	22	have	have	AUX
easat-2280	167	23	sustainable	sustainable	ADJ
easat-2280	167	24	income	income	NOUN
easat-2280	167	25	in	in	ADP
easat-2280	167	26	the	the	DET
easat-2280	167	27	future	future	NOUN
easat-2280	167	28	(	(	PUNCT
easat-2280	167	29	kingsley	kingsley	PROPN
easat-2280	167	30	hung	hung	PROPN
easat-2280	167	31	khai	khai	PROPN
easat-2280	167	32	yeo	yeo	PROPN
easat-2280	167	33	et	et	PROPN
easat-2280	167	34	al	al	PROPN
easat-2280	167	35	.	.	PROPN
easat-2280	167	36	,	,	PUNCT
easat-2280	167	37	2023a	2023a	NUM
easat-2280	167	38	)	)	PUNCT
easat-2280	167	39	;	;	PUNCT
easat-2280	167	40	(	(	PUNCT
easat-2280	167	41	miller	miller	PROPN
easat-2280	167	42	et	et	PROPN
easat-2280	167	43	al	al	PROPN
easat-2280	167	44	.	.	PROPN
easat-2280	167	45	,	,	PUNCT
easat-2280	167	46	2014	2014	NUM
easat-2280	167	47	)	)	PUNCT
easat-2280	167	48	.	.	PUNCT
easat-2280	168	1	several	several	ADJ
easat-2280	168	2	objectives	objective	NOUN
easat-2280	168	3	may	may	AUX
easat-2280	168	4	impact	impact	VERB
easat-2280	168	5	the	the	DET
easat-2280	168	6	effectiveness	effectiveness	NOUN
easat-2280	168	7	of	of	ADP
easat-2280	168	8	the	the	DET
easat-2280	168	9	financial	financial	ADJ
easat-2280	168	10	planning	planning	NOUN
easat-2280	168	11	for	for	ADP
easat-2280	168	12	instance	instance	NOUN
easat-2280	168	13	convenience	convenience	NOUN
easat-2280	168	14	and	and	CCONJ
easat-2280	168	15	their	their	PRON
easat-2280	168	16	openness	openness	NOUN
easat-2280	168	17	brought	bring	VERB
easat-2280	168	18	by	by	ADP
easat-2280	168	19	fintech	fintech	NOUN
easat-2280	168	20	(	(	PUNCT
easat-2280	168	21	amnas	amnas	PROPN
easat-2280	168	22	et	et	PROPN
easat-2280	168	23	al	al	PROPN
easat-2280	168	24	.	.	PROPN
easat-2280	168	25	,	,	PUNCT
easat-2280	168	26	2023	2023	NUM
easat-2280	168	27	)	)	PUNCT
easat-2280	168	28	.	.	PUNCT
easat-2280	169	1	the	the	DET
easat-2280	169	2	usage	usage	NOUN
easat-2280	169	3	of	of	ADP
easat-2280	169	4	fintech	fintech	NOUN
easat-2280	169	5	can	can	AUX
easat-2280	169	6	positively	positively	ADV
easat-2280	169	7	influence	influence	VERB
easat-2280	169	8	the	the	DET
easat-2280	169	9	family	family	NOUN
easat-2280	169	10	’s	’s	PART
easat-2280	169	11	financial	financial	ADJ
easat-2280	169	12	planning	planning	NOUN
easat-2280	169	13	practices	practice	NOUN
easat-2280	169	14	;	;	PUNCT
easat-2280	169	15	thus	thus	ADV
easat-2280	169	16	,	,	PUNCT
easat-2280	169	17	the	the	DET
easat-2280	169	18	fq	fq	PROPN
easat-2280	169	19	may	may	AUX
easat-2280	169	20	be	be	AUX
easat-2280	169	21	viewed	view	VERB
easat-2280	169	22	as	as	ADP
easat-2280	169	23	a	a	DET
easat-2280	169	24	moderator	moderator	NOUN
easat-2280	169	25	in	in	ADP
easat-2280	169	26	this	this	DET
easat-2280	169	27	relationship	relationship	NOUN
easat-2280	169	28	.	.	PUNCT
easat-2280	170	1	based	base	VERB
easat-2280	170	2	on	on	ADP
easat-2280	170	3	the	the	DET
easat-2280	170	4	concepts	concept	NOUN
easat-2280	170	5	of	of	ADP
easat-2280	170	6	the	the	DET
easat-2280	170	7	above	above	ADJ
easat-2280	170	8	theory	theory	NOUN
easat-2280	170	9	,	,	PUNCT
easat-2280	170	10	it	it	PRON
easat-2280	170	11	can	can	AUX
easat-2280	170	12	be	be	AUX
easat-2280	170	13	hypothesized	hypothesize	VERB
easat-2280	170	14	that	that	SCONJ
easat-2280	170	15	,	,	PUNCT
easat-2280	170	16	individuals	individual	NOUN
easat-2280	170	17	with	with	ADP
easat-2280	170	18	more	more	ADJ
easat-2280	170	19	financial	financial	ADJ
easat-2280	170	20	literacy	literacy	NOUN
easat-2280	170	21	are	be	AUX
easat-2280	170	22	probably	probably	ADV
easat-2280	170	23	more	more	ADV
easat-2280	170	24	capable	capable	ADJ
easat-2280	170	25	of	of	ADP
easat-2280	170	26	using	use	VERB
easat-2280	170	27	more	more	ADJ
easat-2280	170	28	fintech	fintech	NOUN
easat-2280	170	29	tools	tool	NOUN
easat-2280	170	30	for	for	ADP
easat-2280	170	31	efficient	efficient	ADJ
easat-2280	170	32	family	family	NOUN
easat-2280	170	33	financial	financial	ADJ
easat-2280	170	34	planning	planning	NOUN
easat-2280	170	35	and	and	CCONJ
easat-2280	170	36	thereby	thereby	ADV
easat-2280	170	37	increasing	increase	VERB
easat-2280	170	38	the	the	DET
easat-2280	170	39	planning	planning	NOUN
easat-2280	170	40	efficiency	efficiency	NOUN
easat-2280	170	41	(	(	PUNCT
easat-2280	170	42	nenkov	nenkov	PROPN
easat-2280	170	43	et	et	PROPN
easat-2280	170	44	al	al	PROPN
easat-2280	170	45	.	.	PROPN
easat-2280	170	46	,	,	PUNCT
easat-2280	170	47	2009	2009	NUM
easat-2280	170	48	)	)	PUNCT
easat-2280	170	49	;	;	PUNCT
easat-2280	170	50	(	(	PUNCT
easat-2280	170	51	kodama	kodama	X
easat-2280	170	52	et	et	PROPN
easat-2280	170	53	al	al	PROPN
easat-2280	170	54	.	.	PROPN
easat-2280	170	55	,	,	PUNCT
easat-2280	170	56	2024	2024	NUM
easat-2280	170	57	)	)	PUNCT
easat-2280	170	58	;	;	PUNCT
easat-2280	170	59	(	(	PUNCT
easat-2280	170	60	mcgill	mcgill	PROPN
easat-2280	170	61	and	and	CCONJ
easat-2280	170	62	giovanni	giovanni	PROPN
easat-2280	170	63	,	,	PUNCT
easat-2280	170	64	2017	2017	NUM
easat-2280	170	65	)	)	PUNCT
easat-2280	170	66	.	.	PUNCT
easat-2280	171	1	therefore	therefore	ADV
easat-2280	171	2	,	,	PUNCT
easat-2280	171	3	the	the	DET
easat-2280	171	4	proposed	propose	VERB
easat-2280	171	5	hypothesis	hypothesis	NOUN
easat-2280	171	6	is	be	AUX
easat-2280	171	7	:	:	PUNCT
easat-2280	171	8	h12	h12	NOUN
easat-2280	171	9	:	:	PUNCT
easat-2280	171	10	financial	financial	ADJ
easat-2280	171	11	quotient	quotient	NOUN
easat-2280	171	12	moderates	moderate	VERB
easat-2280	171	13	the	the	DET
easat-2280	171	14	effect	effect	NOUN
easat-2280	171	15	of	of	ADP
easat-2280	171	16	financial	financial	ADJ
easat-2280	171	17	technology	technology	NOUN
easat-2280	171	18	on	on	ADP
easat-2280	171	19	family	family	NOUN
easat-2280	171	20	financial	financial	ADJ
easat-2280	171	21	planning	planning	NOUN
easat-2280	171	22	among	among	ADP
easat-2280	171	23	naval	naval	ADJ
easat-2280	171	24	families	family	NOUN
easat-2280	171	25	at	at	ADP
easat-2280	171	26	hera	hera	PROPN
easat-2280	171	27	naval	naval	PROPN
easat-2280	171	28	base	base	PROPN
easat-2280	171	29	,	,	PUNCT
easat-2280	171	30	timor	timor	PROPN
easat-2280	171	31	-	-	PUNCT
easat-2280	171	32	leste	leste	PROPN
easat-2280	171	33	.	.	PUNCT
easat-2280	172	1	2.2.13	2.2.13	NUM
easat-2280	172	2	.	.	PUNCT
easat-2280	173	1	financial	financial	ADJ
easat-2280	173	2	quotient	quotient	NOUN
easat-2280	173	3	moderates	moderate	VERB
easat-2280	173	4	the	the	DET
easat-2280	173	5	influence	influence	NOUN
easat-2280	173	6	of	of	ADP
easat-2280	173	7	personality	personality	NOUN
easat-2280	173	8	traits	trait	NOUN
easat-2280	173	9	on	on	ADP
easat-2280	173	10	financial	financial	ADJ
easat-2280	173	11	attitude	attitude	NOUN
easat-2280	173	12	personality	personality	NOUN
easat-2280	173	13	traits	trait	NOUN
easat-2280	173	14	refers	refer	VERB
easat-2280	173	15	to	to	ADP
easat-2280	173	16	the	the	DET
easat-2280	173	17	behavioral	behavioral	ADJ
easat-2280	173	18	,	,	PUNCT
easat-2280	173	19	emotional	emotional	ADJ
easat-2280	173	20	and	and	CCONJ
easat-2280	173	21	thought	think	VERB
easat-2280	173	22	patterns	pattern	NOUN
easat-2280	173	23	that	that	PRON
easat-2280	173	24	are	be	AUX
easat-2280	173	25	displayed	display	VERB
easat-2280	173	26	by	by	ADP
easat-2280	173	27	people	people	NOUN
easat-2280	173	28	in	in	ADP
easat-2280	173	29	a	a	DET
easat-2280	173	30	predictable	predictable	ADJ
easat-2280	173	31	and	and	CCONJ
easat-2280	173	32	consistent	consistent	ADJ
easat-2280	173	33	manner	manner	NOUN
easat-2280	173	34	.	.	PUNCT
easat-2280	174	1	attitudes	attitude	NOUN
easat-2280	174	2	that	that	PRON
easat-2280	174	3	define	define	VERB
easat-2280	174	4	personality	personality	NOUN
easat-2280	174	5	include	include	VERB
easat-2280	174	6	openness	openness	NOUN
easat-2280	174	7	to	to	PART
easat-2280	174	8	experience	experience	VERB
easat-2280	174	9	,	,	PUNCT
easat-2280	174	10	conscientiousness	conscientiousness	NOUN
easat-2280	174	11	,	,	PUNCT
easat-2280	174	12	extraversion	extraversion	NOUN
easat-2280	174	13	,	,	PUNCT
easat-2280	174	14	agreeableness	agreeableness	NOUN
easat-2280	174	15	and	and	CCONJ
easat-2280	174	16	neuroticism	neuroticism	NOUN
easat-2280	174	17	which	which	PRON
easat-2280	174	18	depict	depict	VERB
easat-2280	174	19	the	the	DET
easat-2280	174	20	character	character	NOUN
easat-2280	174	21	of	of	ADP
easat-2280	174	22	a	a	DET
easat-2280	174	23	person	person	NOUN
easat-2280	174	24	and	and	CCONJ
easat-2280	174	25	how	how	SCONJ
easat-2280	174	26	he	he	PRON
easat-2280	174	27	would	would	AUX
easat-2280	174	28	react	react	VERB
easat-2280	174	29	to	to	ADP
easat-2280	174	30	issues	issue	NOUN
easat-2280	174	31	to	to	PART
easat-2280	174	32	do	do	VERB
easat-2280	174	33	with	with	ADP
easat-2280	174	34	finance	finance	NOUN
easat-2280	174	35	.	.	PUNCT
easat-2280	175	1	these	these	DET
easat-2280	175	2	traits	trait	NOUN
easat-2280	175	3	tend	tend	VERB
easat-2280	175	4	to	to	PART
easat-2280	175	5	affect	affect	VERB
easat-2280	175	6	a	a	DET
easat-2280	175	7	person	person	NOUN
easat-2280	175	8	’s	’s	PART
easat-2280	175	9	financial	financial	ADJ
easat-2280	175	10	attitude	attitude	NOUN
easat-2280	175	11	since	since	SCONJ
easat-2280	175	12	some	some	PRON
easat-2280	175	13	of	of	ADP
easat-2280	175	14	these	these	DET
easat-2280	175	15	traits	trait	NOUN
easat-2280	175	16	may	may	AUX
easat-2280	175	17	cause	cause	VERB
easat-2280	175	18	people	people	NOUN
easat-2280	175	19	to	to	PART
easat-2280	175	20	have	have	VERB
easat-2280	175	21	either	either	CCONJ
easat-2280	175	22	a	a	DET
easat-2280	175	23	positive	positive	ADJ
easat-2280	175	24	or	or	CCONJ
easat-2280	175	25	negative	negative	ADJ
easat-2280	175	26	attitude	attitude	NOUN
easat-2280	175	27	towards	towards	ADP
easat-2280	175	28	various	various	ADJ
easat-2280	175	29	financial	financial	ADJ
easat-2280	175	30	activities	activity	NOUN
easat-2280	175	31	(	(	PUNCT
easat-2280	175	32	baker	baker	PROPN
easat-2280	175	33	&	&	CCONJ
easat-2280	175	34	nofsinger	nofsinger	PROPN
easat-2280	175	35	,	,	PUNCT
easat-2280	175	36	2010	2010	NUM
easat-2280	175	37	)	)	PUNCT
easat-2280	175	38	.	.	PUNCT
easat-2280	176	1	financial	financial	ADJ
easat-2280	176	2	attitude	attitude	NOUN
easat-2280	176	3	relates	relate	VERB
easat-2280	176	4	to	to	ADP
easat-2280	176	5	a	a	DET
easat-2280	176	6	person	person	NOUN
easat-2280	176	7	’s	’s	PART
easat-2280	176	8	beliefs	belief	NOUN
easat-2280	176	9	and	and	CCONJ
easat-2280	176	10	emotions	emotion	NOUN
easat-2280	176	11	on	on	ADP
easat-2280	176	12	the	the	DET
easat-2280	176	13	financial	financial	ADJ
easat-2280	176	14	activities	activity	NOUN
easat-2280	176	15	and	and	CCONJ
easat-2280	176	16	decisions	decision	NOUN
easat-2280	176	17	which	which	PRON
easat-2280	176	18	he	he	PRON
easat-2280	176	19	or	or	CCONJ
easat-2280	176	20	she	she	PRON
easat-2280	176	21	goes	go	VERB
easat-2280	176	22	through	through	ADV
easat-2280	176	23	.	.	PUNCT
easat-2280	177	1	this	this	DET
easat-2280	177	2	attitude	attitude	NOUN
easat-2280	177	3	entails	entail	VERB
easat-2280	177	4	how	how	SCONJ
easat-2280	177	5	people	people	NOUN
easat-2280	177	6	approach	approach	VERB
easat-2280	177	7	and	and	CCONJ
easat-2280	177	8	handle	handle	VERB
easat-2280	177	9	particular	particular	ADJ
easat-2280	177	10	facets	facet	NOUN
easat-2280	177	11	of	of	ADP
easat-2280	177	12	manage	manage	NOUN
easat-2280	177	13	including	include	VERB
easat-2280	177	14	,	,	PUNCT
easat-2280	177	15	saving	saving	NOUN
easat-2280	177	16	,	,	PUNCT
easat-2280	177	17	investing	investing	NOUN
easat-2280	177	18	and	and	CCONJ
easat-2280	177	19	or	or	CCONJ
easat-2280	177	20	budgeting	budgeting	NOUN
easat-2280	177	21	.	.	PUNCT
easat-2280	178	1	this	this	PRON
easat-2280	178	2	is	be	AUX
easat-2280	178	3	in	in	ADP
easat-2280	178	4	the	the	DET
easat-2280	178	5	view	view	NOUN
easat-2280	178	6	that	that	SCONJ
easat-2280	178	7	financial	financial	ADJ
easat-2280	178	8	attitudes	attitude	NOUN
easat-2280	178	9	are	be	AUX
easat-2280	178	10	partially	partially	ADV
easat-2280	178	11	determined	determine	VERB
easat-2280	178	12	by	by	ADP
easat-2280	178	13	personality	personality	NOUN
easat-2280	178	14	factors	factor	NOUN
easat-2280	178	15	,	,	PUNCT
easat-2280	178	16	which	which	PRON
easat-2280	178	17	may	may	AUX
easat-2280	178	18	change	change	VERB
easat-2280	178	19	the	the	DET
easat-2280	178	20	perspectives	perspective	NOUN
easat-2280	178	21	that	that	PRON
easat-2280	178	22	people	people	NOUN
easat-2280	178	23	have	have	VERB
easat-2280	178	24	,	,	PUNCT
easat-2280	178	25	as	as	ADV
easat-2280	178	26	well	well	ADV
easat-2280	178	27	as	as	ADP
easat-2280	178	28	the	the	DET
easat-2280	178	29	ways	way	NOUN
easat-2280	178	30	in	in	ADP
easat-2280	178	31	which	which	PRON
easat-2280	178	32	they	they	PRON
easat-2280	178	33	approach	approach	VERB
easat-2280	178	34	,	,	PUNCT
easat-2280	178	35	and	and	CCONJ
easat-2280	178	36	respond	respond	VERB
easat-2280	178	37	to	to	ADP
easat-2280	178	38	,	,	PUNCT
easat-2280	178	39	fiscal	fiscal	ADJ
easat-2280	178	40	matters	matter	NOUN
easat-2280	178	41	(	(	PUNCT
easat-2280	178	42	k	k	NOUN
easat-2280	178	43	h	h	PROPN
easat-2280	178	44	k	k	PROPN
easat-2280	178	45	yeo	yeo	PROPN
easat-2280	178	46	et	et	PROPN
easat-2280	178	47	al	al	PROPN
easat-2280	178	48	.	.	PROPN
easat-2280	178	49	,	,	PUNCT
easat-2280	178	50	2023	2023	NUM
easat-2280	178	51	)	)	PUNCT
easat-2280	178	52	;	;	PUNCT
easat-2280	178	53	(	(	PUNCT
easat-2280	178	54	sesini	sesini	PROPN
easat-2280	178	55	&	&	CCONJ
easat-2280	178	56	lozza	lozza	PROPN
easat-2280	178	57	,	,	PUNCT
easat-2280	178	58	2023	2023	NUM
easat-2280	178	59	)	)	PUNCT
easat-2280	178	60	;	;	PUNCT
easat-2280	178	61	(	(	PUNCT
easat-2280	178	62	fishbein	fishbein	ADJ
easat-2280	178	63	and	and	CCONJ
easat-2280	178	64	ajzen	ajzen	NOUN
easat-2280	178	65	,	,	PUNCT
easat-2280	178	66	1975	1975	NUM
easat-2280	178	67	)	)	PUNCT
easat-2280	178	68	.	.	PUNCT
easat-2280	179	1	according	accord	VERB
easat-2280	179	2	to	to	ADP
easat-2280	179	3	nesbitt	nesbitt	PROPN
easat-2280	179	4	(	(	PUNCT
easat-2280	179	5	2017	2017	NUM
easat-2280	179	6	)	)	PUNCT
easat-2280	179	7	,	,	PUNCT
easat-2280	179	8	if	if	SCONJ
easat-2280	179	9	certain	certain	ADJ
easat-2280	179	10	traits	trait	NOUN
easat-2280	179	11	influence	influence	VERB
easat-2280	179	12	an	an	DET
easat-2280	179	13	individual	individual	NOUN
easat-2280	179	14	’s	’s	PART
easat-2280	179	15	attitude	attitude	NOUN
easat-2280	179	16	towards	towards	ADP
easat-2280	179	17	money	money	NOUN
easat-2280	179	18	and	and	CCONJ
easat-2280	179	19	ways	way	NOUN
easat-2280	179	20	of	of	ADP
easat-2280	179	21	using	use	VERB
easat-2280	179	22	it	it	PRON
easat-2280	179	23	,	,	PUNCT
easat-2280	179	24	such	such	DET
easat-2280	179	25	a	a	DET
easat-2280	179	26	person	person	NOUN
easat-2280	179	27	will	will	AUX
easat-2280	179	28	lean	lean	VERB
easat-2280	179	29	towards	towards	ADP
easat-2280	179	30	being	be	AUX
easat-2280	179	31	either	either	CCONJ
easat-2280	179	32	more	more	ADV
easat-2280	179	33	liberal	liberal	ADJ
easat-2280	179	34	or	or	CCONJ
easat-2280	179	35	more	more	ADV
easat-2280	179	36	traditional	traditional	ADJ
easat-2280	179	37	.	.	PUNCT
easat-2280	180	1	financial	financial	ADJ
easat-2280	180	2	literacy	literacy	NOUN
easat-2280	180	3	is	be	AUX
easat-2280	180	4	the	the	DET
easat-2280	180	5	ability	ability	NOUN
easat-2280	180	6	to	to	PART
easat-2280	180	7	recognise	recognise	VERB
easat-2280	180	8	financial	financial	ADJ
easat-2280	180	9	information	information	NOUN
easat-2280	180	10	and	and	CCONJ
easat-2280	180	11	to	to	PART
easat-2280	180	12	make	make	VERB
easat-2280	180	13	sound	sound	ADJ
easat-2280	180	14	financial	financial	ADJ
easat-2280	180	15	decisions	decision	NOUN
easat-2280	180	16	based	base	VERB
easat-2280	180	17	on	on	ADP
easat-2280	180	18	such	such	ADJ
easat-2280	180	19	information	information	NOUN
easat-2280	180	20	(	(	PUNCT
easat-2280	180	21	lusardi	lusardi	PROPN
easat-2280	180	22	&	&	CCONJ
easat-2280	180	23	mitchell	mitchell	PROPN
easat-2280	180	24	2014	2014	NUM
easat-2280	180	25	)	)	PUNCT
easat-2280	180	26	.	.	PUNCT
easat-2280	181	1	in	in	ADP
easat-2280	181	2	this	this	DET
easat-2280	181	3	regard	regard	NOUN
easat-2280	181	4	,	,	PUNCT
easat-2280	181	5	fq	fq	PROPN
easat-2280	181	6	can	can	AUX
easat-2280	181	7	be	be	AUX
easat-2280	181	8	regarded	regard	VERB
easat-2280	181	9	as	as	ADP
easat-2280	181	10	a	a	DET
easat-2280	181	11	moderator	moderator	NOUN
easat-2280	181	12	that	that	PRON
easat-2280	181	13	can	can	AUX
easat-2280	181	14	affect	affect	VERB
easat-2280	181	15	the	the	DET
easat-2280	181	16	interaction	interaction	NOUN
easat-2280	181	17	between	between	ADP
easat-2280	181	18	the	the	DET
easat-2280	181	19	personality	personality	NOUN
easat-2280	181	20	traits	trait	NOUN
easat-2280	181	21	as	as	ADV
easat-2280	181	22	well	well	ADV
easat-2280	181	23	as	as	ADP
easat-2280	181	24	financial	financial	ADJ
easat-2280	181	25	attitude	attitude	NOUN
easat-2280	181	26	.	.	PUNCT
easat-2280	182	1	people	people	NOUN
easat-2280	182	2	with	with	ADP
easat-2280	182	3	better	well	ADJ
easat-2280	182	4	financial	financial	ADJ
easat-2280	182	5	literacy	literacy	NOUN
easat-2280	182	6	could	could	AUX
easat-2280	182	7	presumably	presumably	ADV
easat-2280	182	8	manage	manage	VERB
easat-2280	182	9	their	their	PRON
easat-2280	182	10	personalities	personality	NOUN
easat-2280	182	11	at	at	ADP
easat-2280	182	12	a	a	DET
easat-2280	182	13	higher	high	ADJ
easat-2280	182	14	level	level	NOUN
easat-2280	182	15	in	in	ADP
easat-2280	182	16	order	order	NOUN
easat-2280	182	17	to	to	PART
easat-2280	182	18	develop	develop	VERB
easat-2280	182	19	better	well	ADJ
easat-2280	182	20	and	and	CCONJ
easat-2280	182	21	more	more	ADV
easat-2280	182	22	efficient	efficient	ADJ
easat-2280	182	23	financial	financial	ADJ
easat-2280	182	24	perceptions	perception	NOUN
easat-2280	182	25	.	.	PUNCT
easat-2280	183	1	that	that	PRON
easat-2280	183	2	is	be	AUX
easat-2280	183	3	why	why	SCONJ
easat-2280	183	4	it	it	PRON
easat-2280	183	5	is	be	AUX
easat-2280	183	6	possible	possible	ADJ
easat-2280	183	7	to	to	PART
easat-2280	183	8	claim	claim	VERB
easat-2280	183	9	that	that	SCONJ
easat-2280	183	10	the	the	DET
easat-2280	183	11	enhancement	enhancement	NOUN
easat-2280	183	12	of	of	ADP
easat-2280	183	13	understanding	understand	VERB
easat-2280	183	14	different	different	ADJ
easat-2280	183	15	financial	financial	ADJ
easat-2280	183	16	aspects	aspect	NOUN
easat-2280	183	17	may	may	AUX
easat-2280	183	18	help	help	VERB
easat-2280	183	19	individuals	individual	NOUN
easat-2280	183	20	make	make	VERB
easat-2280	183	21	better	well	ADJ
easat-2280	183	22	financial	financial	ADJ
easat-2280	183	23	decisions	decision	NOUN
easat-2280	183	24	(	(	PUNCT
easat-2280	183	25	lusardi	lusardi	PROPN
easat-2280	183	26	&	&	CCONJ
easat-2280	183	27	messy	messy	ADJ
easat-2280	183	28	,	,	PUNCT
easat-2280	183	29	2023	2023	NUM
easat-2280	183	30	)	)	PUNCT
easat-2280	183	31	;	;	PUNCT
easat-2280	183	32	(	(	PUNCT
easat-2280	183	33	gerrans	gerran	NOUN
easat-2280	183	34	et	et	PROPN
easat-2280	183	35	al	al	PROPN
easat-2280	183	36	.	.	PROPN
easat-2280	183	37	,	,	PUNCT
easat-2280	183	38	2017	2017	NUM
easat-2280	183	39	)	)	PUNCT
easat-2280	183	40	.	.	PUNCT
easat-2280	184	1	based	base	VERB
easat-2280	184	2	on	on	ADP
easat-2280	184	3	this	this	PRON
easat-2280	184	4	,	,	PUNCT
easat-2280	184	5	the	the	DET
easat-2280	184	6	hypothesis	hypothesis	NOUN
easat-2280	184	7	proposed	propose	VERB
easat-2280	184	8	is	be	AUX
easat-2280	184	9	:	:	PUNCT
easat-2280	184	10	1585	1585	NUM
easat-2280	184	11	edelweiss	edelweiss	PROPN
easat-2280	184	12	applied	apply	VERB
easat-2280	184	13	science	science	NOUN
easat-2280	184	14	and	and	CCONJ
easat-2280	184	15	technology	technology	NOUN
easat-2280	184	16	issn	issn	PROPN
easat-2280	184	17	:	:	PUNCT
easat-2280	184	18	2576	2576	NUM
easat-2280	184	19	-	-	SYM
easat-2280	184	20	8484	8484	NUM
easat-2280	184	21	vol	vol	NOUN
easat-2280	184	22	.	.	PROPN
easat-2280	184	23	8	8	NUM
easat-2280	184	24	,	,	PUNCT
easat-2280	184	25	no	no	INTJ
easat-2280	184	26	.	.	NOUN
easat-2280	185	1	6	6	NUM
easat-2280	185	2	:	:	SYM
easat-2280	185	3	1577	1577	NUM
easat-2280	185	4	-	-	SYM
easat-2280	185	5	1597	1597	NUM
easat-2280	185	6	,	,	PUNCT
easat-2280	185	7	2024	2024	NUM
easat-2280	185	8	doi	doi	NOUN
easat-2280	185	9	:	:	PUNCT
easat-2280	185	10	10.55214/25768484.v8i6.2280	10.55214/25768484.v8i6.2280	NUM
easat-2280	185	11	©	©	PROPN
easat-2280	185	12	2024	2024	NUM
easat-2280	185	13	by	by	ADP
easat-2280	185	14	the	the	DET
easat-2280	185	15	authors	author	NOUN
easat-2280	185	16	;	;	PUNCT
easat-2280	185	17	licensee	licensee	PROPN
easat-2280	185	18	learning	learning	PROPN
easat-2280	185	19	gate	gate	PROPN
easat-2280	185	20	h13	h13	NOUN
easat-2280	185	21	:	:	PUNCT
easat-2280	185	22	financial	financial	ADJ
easat-2280	185	23	quotient	quotient	NOUN
easat-2280	185	24	moderates	moderate	VERB
easat-2280	185	25	the	the	DET
easat-2280	185	26	influence	influence	NOUN
easat-2280	185	27	of	of	ADP
easat-2280	185	28	personality	personality	NOUN
easat-2280	185	29	traits	trait	NOUN
easat-2280	185	30	on	on	ADP
easat-2280	185	31	financial	financial	ADJ
easat-2280	185	32	attitude	attitude	NOUN
easat-2280	185	33	among	among	ADP
easat-2280	185	34	naval	naval	ADJ
easat-2280	185	35	families	family	NOUN
easat-2280	185	36	at	at	ADP
easat-2280	185	37	hera	hera	PROPN
easat-2280	185	38	naval	naval	PROPN
easat-2280	185	39	base	base	PROPN
easat-2280	185	40	,	,	PUNCT
easat-2280	185	41	timor	timor	PROPN
easat-2280	185	42	leste	leste	PROPN
easat-2280	185	43	.	.	PUNCT
easat-2280	186	1	2.2.14	2.2.14	X
easat-2280	186	2	.	.	PUNCT
easat-2280	187	1	financial	financial	ADJ
easat-2280	187	2	quotient	quotient	NOUN
easat-2280	187	3	moderates	moderate	VERB
easat-2280	187	4	the	the	DET
easat-2280	187	5	effect	effect	NOUN
easat-2280	187	6	of	of	ADP
easat-2280	187	7	personality	personality	NOUN
easat-2280	187	8	traits	trait	NOUN
easat-2280	187	9	on	on	ADP
easat-2280	187	10	financial	financial	ADJ
easat-2280	187	11	attitude	attitude	NOUN
easat-2280	187	12	attaining	attain	VERB
easat-2280	187	13	goals	goal	NOUN
easat-2280	187	14	and	and	CCONJ
easat-2280	187	15	savings	saving	NOUN
easat-2280	187	16	thus	thus	ADV
easat-2280	187	17	have	have	VERB
easat-2280	187	18	a	a	DET
easat-2280	187	19	positive	positive	ADJ
easat-2280	187	20	effect	effect	NOUN
easat-2280	187	21	on	on	ADP
easat-2280	187	22	the	the	DET
easat-2280	187	23	pattern	pattern	NOUN
easat-2280	187	24	that	that	PRON
easat-2280	187	25	people	people	NOUN
easat-2280	187	26	adopt	adopt	VERB
easat-2280	187	27	toward	toward	ADP
easat-2280	187	28	and	and	CCONJ
easat-2280	187	29	plans	plan	NOUN
easat-2280	187	30	for	for	ADP
easat-2280	187	31	the	the	DET
easat-2280	187	32	personal	personal	ADJ
easat-2280	187	33	savings	saving	NOUN
easat-2280	187	34	(	(	PUNCT
easat-2280	187	35	ülkümen	ülkümen	PROPN
easat-2280	187	36	&	&	CCONJ
easat-2280	187	37	cheema	cheema	PROPN
easat-2280	187	38	,	,	PUNCT
easat-2280	187	39	2011	2011	NUM
easat-2280	187	40	)	)	PUNCT
easat-2280	187	41	.	.	PUNCT
easat-2280	188	1	these	these	DET
easat-2280	188	2	characteristics	characteristic	NOUN
easat-2280	188	3	can	can	AUX
easat-2280	188	4	define	define	VERB
easat-2280	188	5	to	to	ADP
easat-2280	188	6	what	what	DET
easat-2280	188	7	extent	extent	NOUN
easat-2280	188	8	one	one	PRON
easat-2280	188	9	is	be	AUX
easat-2280	188	10	willing	willing	ADJ
easat-2280	188	11	to	to	PART
easat-2280	188	12	invest	invest	VERB
easat-2280	188	13	time	time	NOUN
easat-2280	188	14	and	and	CCONJ
easat-2280	188	15	money	money	NOUN
easat-2280	188	16	on	on	ADP
easat-2280	188	17	organizing	organize	VERB
easat-2280	188	18	for	for	ADP
easat-2280	188	19	the	the	DET
easat-2280	188	20	future	future	NOUN
easat-2280	188	21	.	.	PUNCT
easat-2280	189	1	personal	personal	ADJ
easat-2280	189	2	saving	saving	NOUN
easat-2280	189	3	orientation	orientation	NOUN
easat-2280	189	4	(	(	PUNCT
easat-2280	189	5	pso	pso	NOUN
easat-2280	189	6	)	)	PUNCT
easat-2280	189	7	relates	relate	VERB
easat-2280	189	8	to	to	ADP
easat-2280	189	9	the	the	DET
easat-2280	189	10	values	value	NOUN
easat-2280	189	11	as	as	ADV
easat-2280	189	12	well	well	ADV
easat-2280	189	13	as	as	ADP
easat-2280	189	14	behavior	behavior	NOUN
easat-2280	189	15	in	in	ADP
easat-2280	189	16	terms	term	NOUN
easat-2280	189	17	of	of	ADP
easat-2280	189	18	savings	saving	NOUN
easat-2280	189	19	,	,	PUNCT
easat-2280	189	20	and	and	CCONJ
easat-2280	189	21	this	this	DET
easat-2280	189	22	behavior	behavior	NOUN
easat-2280	189	23	may	may	AUX
easat-2280	189	24	be	be	AUX
easat-2280	189	25	-	-	PUNCT
easat-2280	189	26	of	of	ADP
easat-2280	189	27	different	different	ADJ
easat-2280	189	28	factors	factor	NOUN
easat-2280	189	29	such	such	ADJ
easat-2280	189	30	as	as	ADP
easat-2280	189	31	the	the	DET
easat-2280	189	32	personality	personality	NOUN
easat-2280	189	33	characteristic	characteristic	ADJ
easat-2280	189	34	that	that	SCONJ
easat-2280	189	35	an	an	DET
easat-2280	189	36	individual	individual	NOUN
easat-2280	189	37	has	have	AUX
easat-2280	189	38	that	that	PRON
easat-2280	189	39	defines	define	VERB
easat-2280	189	40	their	their	PRON
easat-2280	189	41	manner	manner	NOUN
easat-2280	189	42	of	of	ADP
easat-2280	189	43	savings	saving	NOUN
easat-2280	189	44	(	(	PUNCT
easat-2280	189	45	price	price	NOUN
easat-2280	189	46	,	,	PUNCT
easat-2280	189	47	2020	2020	NUM
easat-2280	189	48	)	)	PUNCT
easat-2280	189	49	;	;	PUNCT
easat-2280	189	50	(	(	PUNCT
easat-2280	189	51	dholakia	dholakia	NOUN
easat-2280	189	52	et	et	PROPN
easat-2280	189	53	al	al	PROPN
easat-2280	189	54	.	.	PROPN
easat-2280	189	55	,	,	PUNCT
easat-2280	189	56	2016	2016	NUM
easat-2280	189	57	)	)	PUNCT
easat-2280	189	58	.	.	PUNCT
easat-2280	190	1	those	those	PRON
easat-2280	190	2	with	with	ADP
easat-2280	190	3	a	a	DET
easat-2280	190	4	personality	personality	NOUN
easat-2280	190	5	that	that	PRON
easat-2280	190	6	has	have	VERB
easat-2280	190	7	a	a	DET
easat-2280	190	8	predisposition	predisposition	NOUN
easat-2280	190	9	to	to	ADP
easat-2280	190	10	proper	proper	ADJ
easat-2280	190	11	financial	financial	ADJ
easat-2280	190	12	management	management	NOUN
easat-2280	190	13	in	in	ADP
easat-2280	190	14	their	their	PRON
easat-2280	190	15	case	case	NOUN
easat-2280	190	16	have	have	VERB
easat-2280	190	17	a	a	DET
easat-2280	190	18	much	much	ADV
easat-2280	190	19	higher	high	ADJ
easat-2280	190	20	propensity	propensity	NOUN
easat-2280	190	21	to	to	PART
easat-2280	190	22	save	save	VERB
easat-2280	190	23	and	and	CCONJ
easat-2280	190	24	this	this	PRON
easat-2280	190	25	leads	lead	VERB
easat-2280	190	26	to	to	ADP
easat-2280	190	27	better	well	ADV
easat-2280	190	28	saving	save	VERB
easat-2280	190	29	characteristics	characteristic	NOUN
easat-2280	190	30	as	as	SCONJ
easat-2280	190	31	evidenced	evidence	VERB
easat-2280	190	32	by	by	ADP
easat-2280	190	33	the	the	DET
easat-2280	190	34	proper	proper	ADJ
easat-2280	190	35	management	management	NOUN
easat-2280	190	36	of	of	ADP
easat-2280	190	37	their	their	PRON
easat-2280	190	38	savings	saving	NOUN
easat-2280	190	39	(	(	PUNCT
easat-2280	190	40	nauman	nauman	PROPN
easat-2280	190	41	sadiq	sadiq	PROPN
easat-2280	190	42	&	&	CCONJ
easat-2280	190	43	ased	ase	VERB
easat-2280	190	44	azad	azad	PROPN
easat-2280	190	45	khan	khan	PROPN
easat-2280	190	46	,	,	PUNCT
easat-2280	190	47	2019	2019	NUM
easat-2280	190	48	)	)	PUNCT
easat-2280	190	49	.	.	PUNCT
easat-2280	191	1	in	in	ADP
easat-2280	191	2	such	such	DET
easat-2280	191	3	a	a	DET
easat-2280	191	4	situation	situation	NOUN
easat-2280	191	5	,	,	PUNCT
easat-2280	191	6	financial	financial	ADJ
easat-2280	191	7	quotient	quotient	NOUN
easat-2280	191	8	can	can	AUX
easat-2280	191	9	also	also	ADV
easat-2280	191	10	contribute	contribute	VERB
easat-2280	191	11	towards	towards	ADP
easat-2280	191	12	optimising	optimise	VERB
easat-2280	191	13	or	or	CCONJ
easat-2280	191	14	modifying	modify	VERB
easat-2280	191	15	the	the	DET
easat-2280	191	16	influence	influence	NOUN
easat-2280	191	17	that	that	PRON
easat-2280	191	18	personality	personality	NOUN
easat-2280	191	19	traits	trait	NOUN
easat-2280	191	20	have	have	VERB
easat-2280	191	21	on	on	ADP
easat-2280	191	22	personal	personal	ADJ
easat-2280	191	23	saving	saving	NOUN
easat-2280	191	24	orientation	orientation	NOUN
easat-2280	191	25	(	(	PUNCT
easat-2280	191	26	pso	pso	NOUN
easat-2280	191	27	)	)	PUNCT
easat-2280	191	28	.	.	PUNCT
easat-2280	192	1	individuals	individual	NOUN
easat-2280	192	2	with	with	ADP
easat-2280	192	3	a	a	DET
easat-2280	192	4	greater	great	ADJ
easat-2280	192	5	financial	financial	ADJ
easat-2280	192	6	quotient	quotient	NOUN
easat-2280	192	7	may	may	AUX
easat-2280	192	8	manage	manage	VERB
easat-2280	192	9	to	to	PART
easat-2280	192	10	transform	transform	VERB
easat-2280	192	11	their	their	PRON
easat-2280	192	12	personality	personality	NOUN
easat-2280	192	13	traits	trait	NOUN
easat-2280	192	14	into	into	ADP
easat-2280	192	15	meaningful	meaningful	ADJ
easat-2280	192	16	saving	saving	NOUN
easat-2280	192	17	strategies	strategy	NOUN
easat-2280	192	18	meaning	mean	VERB
easat-2280	192	19	that	that	SCONJ
easat-2280	192	20	personality	personality	NOUN
easat-2280	192	21	trait	trait	NOUN
easat-2280	192	22	influence	influence	NOUN
easat-2280	192	23	how	how	SCONJ
easat-2280	192	24	they	they	PRON
easat-2280	192	25	save	save	VERB
easat-2280	192	26	(	(	PUNCT
easat-2280	192	27	dholakia	dholakia	PROPN
easat-2280	192	28	et	et	PROPN
easat-2280	192	29	al	al	PROPN
easat-2280	192	30	.	.	PROPN
easat-2280	192	31	,	,	PUNCT
easat-2280	192	32	2016	2016	NUM
easat-2280	192	33	)	)	PUNCT
easat-2280	192	34	;	;	PUNCT
easat-2280	192	35	(	(	PUNCT
easat-2280	192	36	mutlu	mutlu	PROPN
easat-2280	192	37	&	&	CCONJ
easat-2280	192	38	ozer	ozer	NOUN
easat-2280	192	39	,	,	PUNCT
easat-2280	192	40	2019	2019	NUM
easat-2280	192	41	)	)	PUNCT
easat-2280	192	42	.	.	PUNCT
easat-2280	193	1	the	the	DET
easat-2280	193	2	proposed	propose	VERB
easat-2280	193	3	hypothesis	hypothesis	NOUN
easat-2280	193	4	is	be	AUX
easat-2280	193	5	:	:	PUNCT
easat-2280	193	6	h14	h14	NOUN
easat-2280	193	7	:	:	PUNCT
easat-2280	193	8	financial	financial	ADJ
easat-2280	193	9	quotient	quotient	NOUN
easat-2280	193	10	moderates	moderate	VERB
easat-2280	193	11	the	the	DET
easat-2280	193	12	influence	influence	NOUN
easat-2280	193	13	of	of	ADP
easat-2280	193	14	personality	personality	NOUN
easat-2280	193	15	traits	trait	NOUN
easat-2280	193	16	on	on	ADP
easat-2280	193	17	personal	personal	ADJ
easat-2280	193	18	saving	saving	NOUN
easat-2280	193	19	orientation	orientation	NOUN
easat-2280	193	20	among	among	ADP
easat-2280	193	21	naval	naval	ADJ
easat-2280	193	22	families	family	NOUN
easat-2280	193	23	at	at	ADP
easat-2280	193	24	hera	hera	PROPN
easat-2280	193	25	naval	naval	PROPN
easat-2280	193	26	base	base	PROPN
easat-2280	193	27	,	,	PUNCT
easat-2280	193	28	timor	timor	PROPN
easat-2280	193	29	leste	leste	PROPN
easat-2280	193	30	.	.	PUNCT
easat-2280	194	1	2.2.15	2.2.15	X
easat-2280	194	2	.	.	PUNCT
easat-2280	194	3	financial	financial	ADJ
easat-2280	194	4	quotient	quotient	NOUN
easat-2280	194	5	moderates	moderate	VERB
easat-2280	194	6	the	the	DET
easat-2280	194	7	influence	influence	NOUN
easat-2280	194	8	of	of	ADP
easat-2280	194	9	personality	personality	NOUN
easat-2280	194	10	traits	trait	NOUN
easat-2280	194	11	on	on	ADP
easat-2280	194	12	family	family	NOUN
easat-2280	194	13	financial	financial	ADJ
easat-2280	194	14	planning	planning	NOUN
easat-2280	194	15	family	family	NOUN
easat-2280	194	16	financial	financial	ADJ
easat-2280	194	17	planning	planning	NOUN
easat-2280	194	18	(	(	PUNCT
easat-2280	194	19	ffp	ffp	PROPN
easat-2280	194	20	)	)	PUNCT
easat-2280	194	21	therefore	therefore	ADV
easat-2280	194	22	refers	refer	VERB
easat-2280	194	23	to	to	ADP
easat-2280	194	24	processes	process	NOUN
easat-2280	194	25	and	and	CCONJ
easat-2280	194	26	practices	practice	NOUN
easat-2280	194	27	through	through	ADP
easat-2280	194	28	which	which	DET
easat-2280	194	29	planning	planning	NOUN
easat-2280	194	30	of	of	ADP
easat-2280	194	31	family	family	NOUN
easat-2280	194	32	finances	finance	NOUN
easat-2280	194	33	with	with	ADP
easat-2280	194	34	a	a	DET
easat-2280	194	35	view	view	NOUN
easat-2280	194	36	of	of	ADP
easat-2280	194	37	attaining	attain	VERB
easat-2280	194	38	financial	financial	ADJ
easat-2280	194	39	sustainability	sustainability	NOUN
easat-2280	194	40	and	and	CCONJ
easat-2280	194	41	prosperity	prosperity	NOUN
easat-2280	194	42	occurs	occur	VERB
easat-2280	194	43	.	.	PUNCT
easat-2280	195	1	these	these	PRON
easat-2280	195	2	include	include	VERB
easat-2280	195	3	how	how	SCONJ
easat-2280	195	4	to	to	PART
easat-2280	195	5	balance	balance	VERB
easat-2280	195	6	the	the	DET
easat-2280	195	7	expenditures	expenditure	NOUN
easat-2280	195	8	,	,	PUNCT
easat-2280	195	9	how	how	SCONJ
easat-2280	195	10	to	to	PART
easat-2280	195	11	save	save	VERB
easat-2280	195	12	for	for	ADP
easat-2280	195	13	the	the	DET
easat-2280	195	14	rainy	rainy	ADJ
easat-2280	195	15	day	day	NOUN
easat-2280	195	16	especially	especially	ADV
easat-2280	195	17	for	for	ADP
easat-2280	195	18	issues	issue	NOUN
easat-2280	195	19	like	like	ADP
easat-2280	195	20	retirement	retirement	NOUN
easat-2280	195	21	,	,	PUNCT
easat-2280	195	22	and	and	CCONJ
easat-2280	195	23	how	how	SCONJ
easat-2280	195	24	adequately	adequately	ADV
easat-2280	195	25	to	to	PART
easat-2280	195	26	handle	handle	VERB
easat-2280	195	27	with	with	ADP
easat-2280	195	28	debts	debt	NOUN
easat-2280	195	29	.	.	PUNCT
easat-2280	196	1	as	as	SCONJ
easat-2280	196	2	it	it	PRON
easat-2280	196	3	has	have	AUX
easat-2280	196	4	been	be	AUX
easat-2280	196	5	found	find	VERB
easat-2280	196	6	in	in	ADP
easat-2280	196	7	de	de	X
easat-2280	196	8	massis	massis	NOUN
easat-2280	196	9	et	et	NOUN
easat-2280	196	10	al	al	PROPN
easat-2280	196	11	.	.	PROPN
easat-2280	196	12	,	,	PUNCT
easat-2280	196	13	(	(	PUNCT
easat-2280	196	14	2021	2021	NUM
easat-2280	196	15	)	)	PUNCT
easat-2280	196	16	(	(	PUNCT
easat-2280	196	17	kingsley	kingsley	PROPN
easat-2280	196	18	hung	hung	PROPN
easat-2280	196	19	khai	khai	PROPN
easat-2280	196	20	yeo	yeo	PROPN
easat-2280	196	21	et	et	PROPN
easat-2280	196	22	al	al	PROPN
easat-2280	196	23	.	.	PROPN
easat-2280	196	24	,	,	PUNCT
easat-2280	196	25	(	(	PUNCT
easat-2280	196	26	2023	2023	NUM
easat-2280	196	27	)	)	PUNCT
easat-2280	196	28	,	,	PUNCT
easat-2280	196	29	family	family	NOUN
easat-2280	196	30	financial	financial	ADJ
easat-2280	196	31	planning	planning	NOUN
easat-2280	196	32	has	have	AUX
easat-2280	196	33	been	be	AUX
easat-2280	196	34	found	find	VERB
easat-2280	196	35	to	to	PART
easat-2280	196	36	be	be	AUX
easat-2280	196	37	associated	associate	VERB
easat-2280	196	38	with	with	ADP
easat-2280	196	39	planning	planning	NOUN
easat-2280	196	40	personality	personality	NOUN
easat-2280	196	41	trait	trait	NOUN
easat-2280	196	42	.	.	PUNCT
easat-2280	197	1	it	it	PRON
easat-2280	197	2	implies	imply	VERB
easat-2280	197	3	that	that	SCONJ
easat-2280	197	4	fq	fq	PROPN
easat-2280	197	5	may	may	AUX
easat-2280	197	6	mediate	mediate	VERB
easat-2280	197	7	the	the	DET
easat-2280	197	8	effect	effect	NOUN
easat-2280	197	9	of	of	ADP
easat-2280	197	10	personality	personality	NOUN
easat-2280	197	11	characteristics	characteristic	NOUN
easat-2280	197	12	on	on	ADP
easat-2280	197	13	ffp	ffp	PROPN
easat-2280	197	14	through	through	ADP
easat-2280	197	15	enhancing	enhance	VERB
easat-2280	197	16	an	an	DET
easat-2280	197	17	individual	individual	NOUN
easat-2280	197	18	’s	’s	PART
easat-2280	197	19	capacity	capacity	NOUN
easat-2280	197	20	in	in	ADP
easat-2280	197	21	managing	manage	VERB
easat-2280	197	22	and	and	CCONJ
easat-2280	197	23	planning	plan	VERB
easat-2280	197	24	family	family	NOUN
easat-2280	197	25	budgets	budget	NOUN
easat-2280	197	26	.	.	PUNCT
easat-2280	198	1	(	(	PUNCT
easat-2280	198	2	greene	greene	PROPN
easat-2280	198	3	et	et	PROPN
easat-2280	198	4	al	al	PROPN
easat-2280	198	5	.	.	PROPN
easat-2280	198	6	,	,	PUNCT
easat-2280	198	7	2023	2023	NUM
easat-2280	198	8	)	)	PUNCT
easat-2280	198	9	;	;	PUNCT
easat-2280	198	10	(	(	PUNCT
easat-2280	198	11	weisser	weisser	PROPN
easat-2280	198	12	&	&	CCONJ
easat-2280	198	13	renzulli	renzulli	PROPN
easat-2280	198	14	,	,	PUNCT
easat-2280	198	15	2017	2017	NUM
easat-2280	198	16	)	)	PUNCT
easat-2280	198	17	;	;	PUNCT
easat-2280	198	18	(	(	PUNCT
easat-2280	198	19	lusardi	lusardi	PROPN
easat-2280	198	20	&	&	CCONJ
easat-2280	198	21	mitchell	mitchell	PROPN
easat-2280	198	22	2017	2017	NUM
easat-2280	198	23	)	)	PUNCT
easat-2280	198	24	found	find	VERB
easat-2280	198	25	that	that	SCONJ
easat-2280	198	26	,	,	PUNCT
easat-2280	198	27	knowledge	knowledge	NOUN
easat-2280	198	28	of	of	ADP
easat-2280	198	29	finances	finance	NOUN
easat-2280	198	30	dramatically	dramatically	ADV
easat-2280	198	31	increases	increase	VERB
easat-2280	198	32	the	the	DET
easat-2280	198	33	efficiency	efficiency	NOUN
easat-2280	198	34	of	of	ADP
easat-2280	198	35	the	the	DET
easat-2280	198	36	financial	financial	ADJ
easat-2280	198	37	planning	planning	NOUN
easat-2280	198	38	by	by	ADP
easat-2280	198	39	the	the	DET
easat-2280	198	40	better	well	ADJ
easat-2280	198	41	use	use	NOUN
easat-2280	198	42	of	of	ADP
easat-2280	198	43	personality	personality	NOUN
easat-2280	198	44	traits	trait	NOUN
easat-2280	198	45	in	in	ADP
easat-2280	198	46	personal	personal	ADJ
easat-2280	198	47	financial	financial	ADJ
easat-2280	198	48	decision	decision	NOUN
easat-2280	198	49	.	.	PUNCT
easat-2280	199	1	the	the	DET
easat-2280	199	2	proposed	propose	VERB
easat-2280	199	3	hypothesis	hypothesis	NOUN
easat-2280	199	4	is	be	AUX
easat-2280	199	5	:	:	PUNCT
easat-2280	199	6	h15	h15	NUM
easat-2280	199	7	:	:	PUNCT
easat-2280	199	8	financial	financial	ADJ
easat-2280	199	9	quotient	quotient	NOUN
easat-2280	199	10	moderates	moderate	VERB
easat-2280	199	11	the	the	DET
easat-2280	199	12	influence	influence	NOUN
easat-2280	199	13	of	of	ADP
easat-2280	199	14	personality	personality	NOUN
easat-2280	199	15	traits	trait	NOUN
easat-2280	199	16	on	on	ADP
easat-2280	199	17	family	family	NOUN
easat-2280	199	18	financial	financial	ADJ
easat-2280	199	19	planning	planning	NOUN
easat-2280	199	20	among	among	ADP
easat-2280	199	21	naval	naval	ADJ
easat-2280	199	22	families	family	NOUN
easat-2280	199	23	at	at	ADP
easat-2280	199	24	hera	hera	PROPN
easat-2280	199	25	naval	naval	PROPN
easat-2280	199	26	base	base	PROPN
easat-2280	199	27	,	,	PUNCT
easat-2280	199	28	timor	timor	PROPN
easat-2280	199	29	leste	leste	PROPN
easat-2280	199	30	.	.	PUNCT
easat-2280	200	1	2.2.16	2.2.16	NUM
easat-2280	200	2	.	.	PUNCT
easat-2280	201	1	financial	financial	ADJ
easat-2280	201	2	quotient	quotient	NOUN
easat-2280	201	3	moderates	moderate	VERB
easat-2280	201	4	the	the	DET
easat-2280	201	5	effect	effect	NOUN
easat-2280	201	6	of	of	ADP
easat-2280	201	7	financial	financial	ADJ
easat-2280	201	8	literacy	literacy	NOUN
easat-2280	201	9	on	on	ADP
easat-2280	201	10	family	family	NOUN
easat-2280	201	11	financial	financial	ADJ
easat-2280	201	12	planning	planning	NOUN
easat-2280	201	13	appropriate	appropriate	ADJ
easat-2280	201	14	understanding	understanding	NOUN
easat-2280	201	15	of	of	ADP
easat-2280	201	16	financial	financial	ADJ
easat-2280	201	17	literacy	literacy	NOUN
easat-2280	201	18	fostirs	fostirs	NOUN
easat-2280	201	19	awareness	awareness	NOUN
easat-2280	201	20	and	and	CCONJ
easat-2280	201	21	enables	enable	VERB
easat-2280	201	22	people	people	NOUN
easat-2280	201	23	to	to	PART
easat-2280	201	24	take	take	VERB
easat-2280	201	25	wiser	wise	ADJ
easat-2280	201	26	packing	packing	NOUN
easat-2280	201	27	decisions	decision	NOUN
easat-2280	201	28	regarding	regard	VERB
easat-2280	201	29	the	the	DET
easat-2280	201	30	financial	financial	ADJ
easat-2280	201	31	matters	matter	NOUN
easat-2280	201	32	,	,	PUNCT
easat-2280	201	33	thus	thus	ADV
easat-2280	201	34	influences	influence	VERB
easat-2280	201	35	their	their	PRON
easat-2280	201	36	perceptions	perception	NOUN
easat-2280	201	37	on	on	ADP
easat-2280	201	38	the	the	DET
easat-2280	201	39	financial	financial	ADJ
easat-2280	201	40	management	management	NOUN
easat-2280	201	41	(	(	PUNCT
easat-2280	201	42	lusardi	lusardi	PROPN
easat-2280	201	43	&	&	CCONJ
easat-2280	201	44	streeter	streeter	PROPN
easat-2280	201	45	,	,	PUNCT
easat-2280	201	46	2023	2023	NUM
easat-2280	201	47	)	)	PUNCT
easat-2280	201	48	.	.	PUNCT
easat-2280	202	1	the	the	DET
easat-2280	202	2	attitude	attitude	NOUN
easat-2280	202	3	towards	towards	ADP
easat-2280	202	4	money	money	NOUN
easat-2280	202	5	is	be	AUX
easat-2280	202	6	the	the	DET
easat-2280	202	7	perception	perception	NOUN
easat-2280	202	8	that	that	SCONJ
easat-2280	202	9	a	a	DET
easat-2280	202	10	client	client	NOUN
easat-2280	202	11	has	have	AUX
easat-2280	202	12	towards	towards	ADP
easat-2280	202	13	the	the	DET
easat-2280	202	14	financial	financial	ADJ
easat-2280	202	15	activity	activity	NOUN
easat-2280	202	16	that	that	PRON
easat-2280	202	17	include	include	VERB
easat-2280	202	18	saving	saving	NOUN
easat-2280	202	19	,	,	PUNCT
easat-2280	202	20	investment	investment	NOUN
easat-2280	202	21	and	and	CCONJ
easat-2280	202	22	or	or	CCONJ
easat-2280	202	23	budgeting	budgeting	NOUN
easat-2280	202	24	.	.	PUNCT
easat-2280	203	1	it	it	PRON
easat-2280	203	2	enables	enable	VERB
easat-2280	203	3	people	people	NOUN
easat-2280	203	4	to	to	PART
easat-2280	203	5	understand	understand	VERB
easat-2280	203	6	how	how	SCONJ
easat-2280	203	7	such	such	ADJ
easat-2280	203	8	attitude	attitude	NOUN
easat-2280	203	9	influences	influence	VERB
easat-2280	203	10	their	their	PRON
easat-2280	203	11	behaviour	behaviour	NOUN
easat-2280	203	12	or	or	CCONJ
easat-2280	203	13	the	the	DET
easat-2280	203	14	decisions	decision	NOUN
easat-2280	203	15	they	they	PRON
easat-2280	203	16	take	take	VERB
easat-2280	203	17	over	over	ADP
easat-2280	203	18	their	their	PRON
easat-2280	203	19	financial	financial	ADJ
easat-2280	203	20	resources	resource	NOUN
easat-2280	203	21	(	(	PUNCT
easat-2280	203	22	sesini	sesini	PROPN
easat-2280	203	23	&	&	CCONJ
easat-2280	203	24	lozza	lozza	PROPN
easat-2280	203	25	,	,	PUNCT
easat-2280	203	26	2023	2023	NUM
easat-2280	203	27	)	)	PUNCT
easat-2280	203	28	.	.	PUNCT
easat-2280	204	1	research	research	NOUN
easat-2280	204	2	reveals	reveal	VERB
easat-2280	204	3	that	that	SCONJ
easat-2280	204	4	people	people	NOUN
easat-2280	204	5	with	with	ADP
easat-2280	204	6	the	the	DET
easat-2280	204	7	positive	positive	ADJ
easat-2280	204	8	money	money	NOUN
easat-2280	204	9	mind	mind	NOUN
easat-2280	204	10	-	-	PUNCT
easat-2280	204	11	sets	set	NOUN
easat-2280	204	12	also	also	ADV
easat-2280	204	13	possess	possess	VERB
easat-2280	204	14	the	the	DET
easat-2280	204	15	better	well	ADJ
easat-2280	204	16	financial	financial	ADJ
easat-2280	204	17	literacy	literacy	NOUN
easat-2280	204	18	since	since	SCONJ
easat-2280	204	19	they	they	PRON
easat-2280	204	20	understand	understand	VERB
easat-2280	204	21	the	the	DET
easat-2280	204	22	prospects	prospect	NOUN
easat-2280	204	23	of	of	ADP
easat-2280	204	24	their	their	PRON
easat-2280	204	25	financial	financial	ADJ
easat-2280	204	26	decisions	decision	NOUN
easat-2280	204	27	for	for	ADP
easat-2280	204	28	and	and	CCONJ
easat-2280	204	29	against	against	ADP
easat-2280	204	30	(	(	PUNCT
easat-2280	204	31	lusardi	lusardi	PROPN
easat-2280	204	32	&	&	CCONJ
easat-2280	204	33	messy	messy	ADJ
easat-2280	204	34	,	,	PUNCT
easat-2280	204	35	2023	2023	NUM
easat-2280	204	36	)	)	PUNCT
easat-2280	204	37	;	;	PUNCT
easat-2280	204	38	(	(	PUNCT
easat-2280	204	39	lusardi	lusardi	PROPN
easat-2280	204	40	&	&	CCONJ
easat-2280	204	41	streeter	streeter	PROPN
easat-2280	204	42	,	,	PUNCT
easat-2280	204	43	2023	2023	NUM
easat-2280	204	44	)	)	PUNCT
easat-2280	204	45	.	.	PUNCT
easat-2280	205	1	financial	financial	ADJ
easat-2280	205	2	quotient	quotient	NOUN
easat-2280	205	3	(	(	PUNCT
easat-2280	205	4	fq	fq	NOUN
easat-2280	205	5	)	)	PUNCT
easat-2280	205	6	measure	measure	VERB
easat-2280	205	7	the	the	DET
easat-2280	205	8	level	level	NOUN
easat-2280	205	9	of	of	ADP
easat-2280	205	10	financial	financial	ADJ
easat-2280	205	11	literacy	literacy	NOUN
easat-2280	205	12	and	and	CCONJ
easat-2280	205	13	finance	finance	NOUN
easat-2280	205	14	related	relate	VERB
easat-2280	205	15	knowledge	knowledge	NOUN
easat-2280	205	16	of	of	ADP
easat-2280	205	17	an	an	DET
easat-2280	205	18	individual	individual	NOUN
easat-2280	205	19	and	and	CCONJ
easat-2280	205	20	acted	act	VERB
easat-2280	205	21	as	as	ADP
easat-2280	205	22	a	a	DET
easat-2280	205	23	moderator	moderator	NOUN
easat-2280	205	24	variable	variable	NOUN
easat-2280	205	25	in	in	ADP
easat-2280	205	26	financial	financial	ADJ
easat-2280	205	27	literacy	literacy	NOUN
easat-2280	205	28	and	and	CCONJ
easat-2280	205	29	financial	financial	ADJ
easat-2280	205	30	attitude	attitude	NOUN
easat-2280	205	31	relationship	relationship	NOUN
easat-2280	205	32	(	(	PUNCT
easat-2280	205	33	lusardi	lusardi	PROPN
easat-2280	205	34	&	&	CCONJ
easat-2280	205	35	streeter	streeter	PROPN
easat-2280	205	36	,	,	PUNCT
easat-2280	205	37	2023	2023	NUM
easat-2280	205	38	)	)	PUNCT
easat-2280	205	39	.	.	PUNCT
easat-2280	206	1	fq	fq	PROPN
easat-2280	206	2	can	can	AUX
easat-2280	206	3	either	either	CCONJ
easat-2280	206	4	build	build	VERB
easat-2280	206	5	upon	upon	SCONJ
easat-2280	206	6	or	or	CCONJ
easat-2280	206	7	modify	modify	VERB
easat-2280	206	8	a	a	DET
easat-2280	206	9	person	person	NOUN
easat-2280	206	10	’s	’s	PART
easat-2280	206	11	money	money	NOUN
easat-2280	206	12	mindset	mindset	NOUN
easat-2280	206	13	by	by	ADP
easat-2280	206	14	providing	provide	VERB
easat-2280	206	15	a	a	DET
easat-2280	206	16	firmer	firm	ADJ
easat-2280	206	17	ground	ground	NOUN
easat-2280	206	18	towards	towards	ADP
easat-2280	206	19	making	make	VERB
easat-2280	206	20	appropriate	appropriate	ADJ
easat-2280	206	21	decisions	decision	NOUN
easat-2280	206	22	in	in	ADP
easat-2280	206	23	terms	term	NOUN
easat-2280	206	24	of	of	ADP
easat-2280	206	25	finance	finance	NOUN
easat-2280	206	26	.	.	PUNCT
easat-2280	207	1	a	a	DET
easat-2280	207	2	study	study	NOUN
easat-2280	207	3	conducted	conduct	VERB
easat-2280	207	4	by	by	ADP
easat-2280	207	5	lusardi	lusardi	PROPN
easat-2280	207	6	and	and	CCONJ
easat-2280	207	7	mitchell	mitchell	PROPN
easat-2280	207	8	(	(	PUNCT
easat-2280	207	9	2017	2017	NUM
easat-2280	207	10	)	)	PUNCT
easat-2280	207	11	reveal	reveal	VERB
easat-2280	207	12	that	that	SCONJ
easat-2280	207	13	the	the	DET
easat-2280	207	14	mean	mean	ADJ
easat-2280	207	15	financial	financial	ADJ
easat-2280	207	16	literacy	literacy	NOUN
easat-2280	207	17	can	can	AUX
easat-2280	207	18	help	help	VERB
easat-2280	207	19	to	to	PART
easat-2280	207	20	enhance	enhance	VERB
easat-2280	207	21	positive	positive	ADJ
easat-2280	207	22	or	or	CCONJ
easat-2280	207	23	favorable	favorable	ADJ
easat-2280	207	24	attitude	attitude	NOUN
easat-2280	207	25	since	since	SCONJ
easat-2280	207	26	the	the	DET
easat-2280	207	27	human	human	ADJ
easat-2280	207	28	beings	being	NOUN
easat-2280	207	29	has	have	AUX
easat-2280	207	30	increased	increase	VERB
easat-2280	207	31	positive	positive	ADJ
easat-2280	207	32	feelings	feeling	NOUN
easat-2280	207	33	regarding	regard	VERB
easat-2280	207	34	on	on	ADP
easat-2280	207	35	the	the	DET
easat-2280	207	36	financial	financial	ADJ
easat-2280	207	37	controlling	controlling	NOUN
easat-2280	207	38	.	.	PUNCT
easat-2280	208	1	the	the	DET
easat-2280	208	2	hypothesis	hypothesis	NOUN
easat-2280	208	3	proposed	propose	VERB
easat-2280	208	4	is	be	AUX
easat-2280	208	5	:	:	PUNCT
easat-2280	208	6	1586	1586	NUM
easat-2280	208	7	edelweiss	edelweiss	PROPN
easat-2280	208	8	applied	apply	VERB
easat-2280	208	9	science	science	NOUN
easat-2280	208	10	and	and	CCONJ
easat-2280	208	11	technology	technology	NOUN
easat-2280	208	12	issn	issn	PROPN
easat-2280	208	13	:	:	PUNCT
easat-2280	208	14	2576	2576	NUM
easat-2280	208	15	-	-	SYM
easat-2280	208	16	8484	8484	NUM
easat-2280	208	17	vol	vol	NOUN
easat-2280	208	18	.	.	PROPN
easat-2280	208	19	8	8	NUM
easat-2280	208	20	,	,	PUNCT
easat-2280	208	21	no	no	INTJ
easat-2280	208	22	.	.	NOUN
easat-2280	209	1	6	6	NUM
easat-2280	209	2	:	:	SYM
easat-2280	209	3	1577	1577	NUM
easat-2280	209	4	-	-	SYM
easat-2280	209	5	1597	1597	NUM
easat-2280	209	6	,	,	PUNCT
easat-2280	209	7	2024	2024	NUM
easat-2280	209	8	doi	doi	NOUN
easat-2280	209	9	:	:	PUNCT
easat-2280	209	10	10.55214/25768484.v8i6.2280	10.55214/25768484.v8i6.2280	NUM
easat-2280	209	11	©	©	PROPN
easat-2280	209	12	2024	2024	NUM
easat-2280	209	13	by	by	ADP
easat-2280	209	14	the	the	DET
easat-2280	209	15	authors	author	NOUN
easat-2280	209	16	;	;	PUNCT
easat-2280	209	17	licensee	licensee	PROPN
easat-2280	209	18	learning	learning	PROPN
easat-2280	209	19	gate	gate	PROPN
easat-2280	209	20	h16	h16	PROPN
easat-2280	209	21	:	:	PUNCT
easat-2280	209	22	financial	financial	ADJ
easat-2280	209	23	quotient	quotient	NOUN
easat-2280	209	24	moderates	moderate	VERB
easat-2280	209	25	the	the	DET
easat-2280	209	26	influence	influence	NOUN
easat-2280	209	27	of	of	ADP
easat-2280	209	28	financial	financial	ADJ
easat-2280	209	29	literacy	literacy	NOUN
easat-2280	209	30	on	on	ADP
easat-2280	209	31	financial	financial	ADJ
easat-2280	209	32	attitudes	attitude	NOUN
easat-2280	209	33	among	among	ADP
easat-2280	209	34	navy	navy	NOUN
easat-2280	209	35	families	family	NOUN
easat-2280	209	36	at	at	ADP
easat-2280	209	37	hera	hera	PROPN
easat-2280	209	38	naval	naval	PROPN
easat-2280	209	39	base	base	PROPN
easat-2280	209	40	,	,	PUNCT
easat-2280	209	41	timor	timor	PROPN
easat-2280	209	42	leste	leste	PROPN
easat-2280	209	43	.	.	PUNCT
easat-2280	210	1	2.2.17	2.2.17	NUM
easat-2280	210	2	.	.	PUNCT
easat-2280	211	1	the	the	DET
easat-2280	211	2	financial	financial	ADJ
easat-2280	211	3	quotient	quotient	NOUN
easat-2280	211	4	moderates	moderate	VERB
easat-2280	211	5	how	how	SCONJ
easat-2280	211	6	financial	financial	ADJ
easat-2280	211	7	literacy	literacy	NOUN
easat-2280	211	8	influences	influence	VERB
easat-2280	211	9	personal	personal	ADJ
easat-2280	211	10	saving	saving	NOUN
easat-2280	211	11	habits	habit	NOUN
easat-2280	211	12	a	a	DET
easat-2280	211	13	good	good	ADJ
easat-2280	211	14	financial	financial	ADJ
easat-2280	211	15	literacy	literacy	NOUN
easat-2280	211	16	can	can	AUX
easat-2280	211	17	therefore	therefore	ADV
easat-2280	211	18	influence	influence	VERB
easat-2280	211	19	how	how	SCONJ
easat-2280	211	20	an	an	DET
easat-2280	211	21	individual	individual	ADJ
easat-2280	211	22	approaches	approach	NOUN
easat-2280	211	23	and	and	CCONJ
easat-2280	211	24	executes	execute	VERB
easat-2280	211	25	his	his	PRON
easat-2280	211	26	/	/	SYM
easat-2280	211	27	her	her	PRON
easat-2280	211	28	saving	saving	NOUN
easat-2280	211	29	strategy	strategy	NOUN
easat-2280	211	30	(	(	PUNCT
easat-2280	211	31	lusardi	lusardi	PROPN
easat-2280	211	32	&	&	CCONJ
easat-2280	211	33	messy	messy	ADJ
easat-2280	211	34	,	,	PUNCT
easat-2280	211	35	2023	2023	NUM
easat-2280	211	36	)	)	PUNCT
easat-2280	211	37	.	.	PUNCT
easat-2280	212	1	savings	saving	NOUN
easat-2280	212	2	orientation	orientation	NOUN
easat-2280	212	3	:	:	PUNCT
easat-2280	212	4	the	the	DET
easat-2280	212	5	predisposition	predisposition	NOUN
easat-2280	212	6	of	of	ADP
easat-2280	212	7	people	people	NOUN
easat-2280	212	8	to	to	ADP
easat-2280	212	9	saving	save	VERB
easat-2280	212	10	in	in	ADP
easat-2280	212	11	their	their	PRON
easat-2280	212	12	daily	daily	ADJ
easat-2280	212	13	activities	activity	NOUN
easat-2280	212	14	.	.	PUNCT
easat-2280	213	1	this	this	PRON
easat-2280	213	2	entails	entail	VERB
easat-2280	213	3	numerous	numerous	ADJ
easat-2280	213	4	behaviours	behaviour	NOUN
easat-2280	213	5	that	that	PRON
easat-2280	213	6	focus	focus	VERB
easat-2280	213	7	on	on	ADP
easat-2280	213	8	saving	save	VERB
easat-2280	213	9	with	with	ADP
easat-2280	213	10	focuses	focus	NOUN
easat-2280	213	11	on	on	ADP
easat-2280	213	12	the	the	DET
easat-2280	213	13	regular	regular	ADJ
easat-2280	213	14	patterns	pattern	NOUN
easat-2280	213	15	of	of	ADP
easat-2280	213	16	saving	save	VERB
easat-2280	213	17	and	and	CCONJ
easat-2280	213	18	selective	selective	ADJ
easat-2280	213	19	saving	saving	NOUN
easat-2280	213	20	behaviours	behaviour	NOUN
easat-2280	213	21	(	(	PUNCT
easat-2280	213	22	price	price	NOUN
easat-2280	213	23	,	,	PUNCT
easat-2280	213	24	2020	2020	NUM
easat-2280	213	25	)	)	PUNCT
easat-2280	213	26	.	.	PUNCT
easat-2280	214	1	as	as	SCONJ
easat-2280	214	2	this	this	DET
easat-2280	214	3	study	study	NOUN
easat-2280	214	4	has	have	AUX
easat-2280	214	5	demonstrated	demonstrate	VERB
easat-2280	214	6	,	,	PUNCT
easat-2280	214	7	fq	fq	PROPN
easat-2280	214	8	can	can	AUX
easat-2280	214	9	play	play	VERB
easat-2280	214	10	an	an	DET
easat-2280	214	11	intermediary	intermediary	ADJ
easat-2280	214	12	role	role	NOUN
easat-2280	214	13	to	to	ADP
easat-2280	214	14	either	either	CCONJ
easat-2280	214	15	enhance	enhance	VERB
easat-2280	214	16	or	or	CCONJ
easat-2280	214	17	reduce	reduce	VERB
easat-2280	214	18	the	the	DET
easat-2280	214	19	flow	flow	NOUN
easat-2280	214	20	between	between	ADP
easat-2280	214	21	financial	financial	ADJ
easat-2280	214	22	literacy	literacy	NOUN
easat-2280	214	23	and	and	CCONJ
easat-2280	214	24	pso	pso	NOUN
easat-2280	214	25	.	.	PUNCT
easat-2280	215	1	literature	literature	NOUN
easat-2280	215	2	proves	prove	VERB
easat-2280	215	3	that	that	SCONJ
easat-2280	215	4	financial	financial	ADJ
easat-2280	215	5	literates	literate	NOUN
easat-2280	215	6	as	as	ADV
easat-2280	215	7	well	well	ADV
easat-2280	215	8	as	as	ADP
easat-2280	215	9	those	those	PRON
easat-2280	215	10	who	who	PRON
easat-2280	215	11	possess	possess	VERB
easat-2280	215	12	a	a	DET
easat-2280	215	13	high	high	ADJ
easat-2280	215	14	level	level	NOUN
easat-2280	215	15	off	off	ADP
easat-2280	215	16	-	-	PUNCT
easat-2280	215	17	class	class	NOUN
easat-2280	215	18	,	,	PUNCT
easat-2280	215	19	or	or	CCONJ
easat-2280	215	20	better	well	ADJ
easat-2280	215	21	to	to	PART
easat-2280	215	22	say	say	VERB
easat-2280	215	23	,	,	PUNCT
easat-2280	215	24	financial	financial	ADJ
easat-2280	215	25	quotient	quotient	NOUN
easat-2280	215	26	are	be	AUX
easat-2280	215	27	capable	capable	ADJ
easat-2280	215	28	of	of	ADP
easat-2280	215	29	achieving	achieve	VERB
easat-2280	215	30	higher	high	ADJ
easat-2280	215	31	results	result	NOUN
easat-2280	215	32	when	when	SCONJ
easat-2280	215	33	it	it	PRON
easat-2280	215	34	comes	come	VERB
easat-2280	215	35	to	to	ADP
easat-2280	215	36	saving	save	VERB
easat-2280	215	37	and	and	CCONJ
easat-2280	215	38	planning	planning	NOUN
easat-2280	215	39	for	for	ADP
easat-2280	215	40	the	the	DET
easat-2280	215	41	future	future	NOUN
easat-2280	215	42	(	(	PUNCT
easat-2280	215	43	lusardi	lusardi	PROPN
easat-2280	215	44	&	&	CCONJ
easat-2280	215	45	mitchell	mitchell	PROPN
easat-2280	215	46	,	,	PUNCT
easat-2280	215	47	2011	2011	NUM
easat-2280	215	48	)	)	PUNCT
easat-2280	215	49	;	;	PUNCT
easat-2280	215	50	(	(	PUNCT
easat-2280	215	51	lusardi	lusardi	PROPN
easat-2280	215	52	&	&	CCONJ
easat-2280	215	53	mitchell	mitchell	PROPN
easat-2280	215	54	,	,	PUNCT
easat-2280	215	55	2017	2017	NUM
easat-2280	215	56	)	)	PUNCT
easat-2280	215	57	.	.	PUNCT
easat-2280	216	1	therefore	therefore	ADV
easat-2280	216	2	,	,	PUNCT
easat-2280	216	3	the	the	DET
easat-2280	216	4	proposed	propose	VERB
easat-2280	216	5	hypothesis	hypothesis	NOUN
easat-2280	216	6	is	be	AUX
easat-2280	216	7	:	:	PUNCT
easat-2280	216	8	h17	h17	NOUN
easat-2280	216	9	:	:	PUNCT
easat-2280	216	10	the	the	DET
easat-2280	216	11	financial	financial	ADJ
easat-2280	216	12	quotient	quotient	NOUN
easat-2280	216	13	moderates	moderate	VERB
easat-2280	216	14	the	the	DET
easat-2280	216	15	influence	influence	NOUN
easat-2280	216	16	of	of	ADP
easat-2280	216	17	financial	financial	ADJ
easat-2280	216	18	literacy	literacy	NOUN
easat-2280	216	19	on	on	ADP
easat-2280	216	20	personal	personal	ADJ
easat-2280	216	21	saving	saving	NOUN
easat-2280	216	22	orientation	orientation	NOUN
easat-2280	216	23	among	among	ADP
easat-2280	216	24	naval	naval	ADJ
easat-2280	216	25	families	family	NOUN
easat-2280	216	26	at	at	ADP
easat-2280	216	27	hera	hera	PROPN
easat-2280	216	28	naval	naval	PROPN
easat-2280	216	29	base	base	PROPN
easat-2280	216	30	,	,	PUNCT
easat-2280	216	31	timor	timor	PROPN
easat-2280	216	32	leste	leste	PROPN
easat-2280	216	33	.	.	PUNCT
easat-2280	217	1	2.2.18	2.2.18	NUM
easat-2280	217	2	.	.	PUNCT
easat-2280	217	3	financial	financial	ADJ
easat-2280	217	4	quotient	quotient	NOUN
easat-2280	217	5	moderates	moderate	VERB
easat-2280	217	6	the	the	DET
easat-2280	217	7	effect	effect	NOUN
easat-2280	217	8	of	of	ADP
easat-2280	217	9	financial	financial	ADJ
easat-2280	217	10	literacy	literacy	NOUN
easat-2280	217	11	on	on	ADP
easat-2280	217	12	family	family	NOUN
easat-2280	217	13	financial	financial	PROPN
easat-2280	217	14	planning	planning	PROPN
easat-2280	217	15	huston	huston	PROPN
easat-2280	217	16	(	(	PUNCT
easat-2280	217	17	2010	2010	NUM
easat-2280	217	18	)	)	PUNCT
easat-2280	217	19	established	establish	VERB
easat-2280	217	20	that	that	SCONJ
easat-2280	217	21	information	information	NOUN
easat-2280	217	22	skills	skill	NOUN
easat-2280	217	23	are	be	AUX
easat-2280	217	24	important	important	ADJ
easat-2280	217	25	in	in	ADP
easat-2280	217	26	family	family	NOUN
easat-2280	217	27	financial	financial	ADJ
easat-2280	217	28	planning	planning	NOUN
easat-2280	217	29	as	as	SCONJ
easat-2280	217	30	they	they	PRON
easat-2280	217	31	assist	assist	VERB
easat-2280	217	32	individuals	individual	NOUN
easat-2280	217	33	,	,	PUNCT
easat-2280	217	34	in	in	ADP
easat-2280	217	35	making	make	VERB
easat-2280	217	36	more	more	ADV
easat-2280	217	37	effective	effective	ADJ
easat-2280	217	38	and	and	CCONJ
easat-2280	217	39	sustainable	sustainable	ADJ
easat-2280	217	40	financial	financial	ADJ
easat-2280	217	41	plans	plan	NOUN
easat-2280	217	42	.	.	PUNCT
easat-2280	218	1	personal	personal	ADJ
easat-2280	218	2	financial	financial	ADJ
easat-2280	218	3	planning	planning	NOUN
easat-2280	218	4	is	be	AUX
easat-2280	218	5	the	the	DET
easat-2280	218	6	process	process	NOUN
easat-2280	218	7	of	of	ADP
easat-2280	218	8	coordinating	coordinate	VERB
easat-2280	218	9	family	family	NOUN
easat-2280	218	10	resources	resource	NOUN
easat-2280	218	11	in	in	ADP
easat-2280	218	12	order	order	NOUN
easat-2280	218	13	to	to	PART
easat-2280	218	14	achieve	achieve	VERB
easat-2280	218	15	aims	aim	NOUN
easat-2280	218	16	and	and	CCONJ
easat-2280	218	17	objectives	objective	NOUN
easat-2280	218	18	for	for	ADP
easat-2280	218	19	instance	instance	NOUN
easat-2280	218	20	education	education	NOUN
easat-2280	218	21	expenses	expense	NOUN
easat-2280	218	22	,	,	PUNCT
easat-2280	218	23	retirement	retirement	NOUN
easat-2280	218	24	expenses	expense	NOUN
easat-2280	218	25	,	,	PUNCT
easat-2280	218	26	and	and	CCONJ
easat-2280	218	27	debt	debt	NOUN
easat-2280	218	28	(	(	PUNCT
easat-2280	218	29	cfp	cfp	PROPN
easat-2280	218	30	board	board	NOUN
easat-2280	218	31	,	,	PUNCT
easat-2280	218	32	2022	2022	NUM
easat-2280	218	33	)	)	PUNCT
easat-2280	218	34	.	.	PUNCT
easat-2280	219	1	hilgert	hilgert	PROPN
easat-2280	219	2	and	and	CCONJ
easat-2280	219	3	his	his	PRON
easat-2280	219	4	colleagues	colleague	NOUN
easat-2280	219	5	discovered	discover	VERB
easat-2280	219	6	that	that	SCONJ
easat-2280	219	7	those	those	PRON
easat-2280	219	8	who	who	PRON
easat-2280	219	9	are	be	AUX
easat-2280	219	10	financially	financially	ADV
easat-2280	219	11	literate	literate	ADJ
easat-2280	219	12	in	in	ADP
easat-2280	219	13	the	the	DET
easat-2280	219	14	management	management	NOUN
easat-2280	219	15	of	of	ADP
easat-2280	219	16	family	family	NOUN
easat-2280	219	17	assets	asset	NOUN
easat-2280	219	18	are	be	AUX
easat-2280	219	19	able	able	ADJ
easat-2280	219	20	to	to	PART
easat-2280	219	21	plan	plan	VERB
easat-2280	219	22	on	on	ADP
easat-2280	219	23	education	education	NOUN
easat-2280	219	24	and	and	CCONJ
easat-2280	219	25	retirement	retirement	NOUN
easat-2280	219	26	among	among	ADP
easat-2280	219	27	other	other	ADJ
easat-2280	219	28	objectives	objective	NOUN
easat-2280	219	29	effectively	effectively	ADV
easat-2280	219	30	(	(	PUNCT
easat-2280	219	31	m.hogarth	m.hogarth	PROPN
easat-2280	219	32	&	&	CCONJ
easat-2280	219	33	hilgert	hilgert	PROPN
easat-2280	219	34	,	,	PUNCT
easat-2280	219	35	2002	2002	NUM
easat-2280	219	36	)	)	PUNCT
easat-2280	219	37	.	.	PUNCT
easat-2280	220	1	this	this	DET
easat-2280	220	2	knowledge	knowledge	NOUN
easat-2280	220	3	is	be	AUX
easat-2280	220	4	very	very	ADV
easat-2280	220	5	important	important	ADJ
easat-2280	220	6	especially	especially	ADV
easat-2280	220	7	when	when	SCONJ
easat-2280	220	8	it	it	PRON
easat-2280	220	9	concerns	concern	VERB
easat-2280	220	10	rational	rational	ADJ
easat-2280	220	11	allocation	allocation	NOUN
easat-2280	220	12	of	of	ADP
easat-2280	220	13	financial	financial	ADJ
easat-2280	220	14	resources	resource	NOUN
easat-2280	220	15	through	through	ADP
easat-2280	220	16	a	a	DET
easat-2280	220	17	given	give	VERB
easat-2280	220	18	period	period	NOUN
easat-2280	220	19	of	of	ADP
easat-2280	220	20	time	time	NOUN
easat-2280	220	21	,	,	PUNCT
easat-2280	220	22	which	which	PRON
easat-2280	220	23	individuals	individual	NOUN
easat-2280	220	24	with	with	ADP
easat-2280	220	25	high	high	ADJ
easat-2280	220	26	level	level	NOUN
easat-2280	220	27	of	of	ADP
easat-2280	220	28	financial	financial	ADJ
easat-2280	220	29	literacy	literacy	NOUN
easat-2280	220	30	always	always	ADV
easat-2280	220	31	appreciate	appreciate	VERB
easat-2280	220	32	because	because	SCONJ
easat-2280	220	33	it	it	PRON
easat-2280	220	34	helps	help	VERB
easat-2280	220	35	them	they	PRON
easat-2280	220	36	to	to	PART
easat-2280	220	37	set	set	VERB
easat-2280	220	38	aside	aside	ADP
easat-2280	220	39	special	special	ADJ
easat-2280	220	40	kitty	kitty	NOUN
easat-2280	220	41	to	to	PART
easat-2280	220	42	cater	cater	VERB
easat-2280	220	43	for	for	ADP
easat-2280	220	44	any	any	DET
easat-2280	220	45	form	form	NOUN
easat-2280	220	46	of	of	ADP
easat-2280	220	47	emergency	emergency	NOUN
easat-2280	220	48	that	that	PRON
easat-2280	220	49	may	may	AUX
easat-2280	220	50	occur	occur	VERB
easat-2280	220	51	during	during	ADP
easat-2280	220	52	the	the	DET
easat-2280	220	53	same	same	ADJ
easat-2280	220	54	financial	financial	ADJ
easat-2280	220	55	period	period	NOUN
easat-2280	220	56	(	(	PUNCT
easat-2280	220	57	lusardi	lusardi	NOUN
easat-2280	220	58	,	,	PUNCT
easat-2280	220	59	2019	2019	NUM
easat-2280	220	60	)	)	PUNCT
easat-2280	220	61	.	.	PUNCT
easat-2280	221	1	financial	financial	ADJ
easat-2280	221	2	quotient	quotient	NOUN
easat-2280	221	3	(	(	PUNCT
easat-2280	221	4	fq	fq	NOUN
easat-2280	221	5	)	)	PUNCT
easat-2280	221	6	on	on	ADP
easat-2280	221	7	the	the	DET
easat-2280	221	8	other	other	ADJ
easat-2280	221	9	hand	hand	NOUN
easat-2280	221	10	assesses	assess	VERB
easat-2280	221	11	a	a	DET
easat-2280	221	12	person	person	NOUN
easat-2280	221	13	’s	’s	PART
easat-2280	221	14	capability	capability	NOUN
easat-2280	221	15	of	of	ADP
easat-2280	221	16	using	use	VERB
easat-2280	221	17	actual	actual	ADJ
easat-2280	221	18	financial	financial	ADJ
easat-2280	221	19	information	information	NOUN
easat-2280	221	20	in	in	ADP
easat-2280	221	21	his	his	PRON
easat-2280	221	22	/	/	SYM
easat-2280	221	23	her	her	PRON
easat-2280	221	24	decision	decision	NOUN
easat-2280	221	25	making	making	NOUN
easat-2280	221	26	.	.	PUNCT
easat-2280	222	1	high	high	ADJ
easat-2280	222	2	fq	fq	PROPN
easat-2280	222	3	will	will	AUX
easat-2280	222	4	allow	allow	VERB
easat-2280	222	5	a	a	DET
easat-2280	222	6	person	person	NOUN
easat-2280	222	7	improve	improve	VERB
easat-2280	222	8	utilization	utilization	NOUN
easat-2280	222	9	of	of	ADP
easat-2280	222	10	financial	financial	ADJ
easat-2280	222	11	literacy	literacy	NOUN
easat-2280	222	12	especially	especially	ADV
easat-2280	222	13	in	in	ADP
easat-2280	222	14	family	family	NOUN
easat-2280	222	15	financing	financing	NOUN
easat-2280	222	16	.	.	PUNCT
easat-2280	223	1	analysing	analyse	VERB
easat-2280	223	2	the	the	DET
easat-2280	223	3	results	result	NOUN
easat-2280	223	4	in	in	ADP
easat-2280	223	5	the	the	DET
easat-2280	223	6	light	light	NOUN
easat-2280	223	7	of	of	ADP
easat-2280	223	8	the	the	DET
easat-2280	223	9	hypotheses	hypothesis	NOUN
easat-2280	223	10	under	under	ADP
easat-2280	223	11	all	all	DET
easat-2280	223	12	the	the	DET
easat-2280	223	13	three	three	NUM
easat-2280	223	14	models	model	NOUN
easat-2280	223	15	,	,	PUNCT
easat-2280	223	16	higher	high	ADJ
easat-2280	223	17	fq	fq	PROPN
easat-2280	223	18	improves	improve	VERB
easat-2280	223	19	the	the	DET
easat-2280	223	20	ability	ability	NOUN
easat-2280	223	21	of	of	ADP
easat-2280	223	22	financial	financial	ADJ
easat-2280	223	23	literacy	literacy	NOUN
easat-2280	223	24	to	to	PART
easat-2280	223	25	positively	positively	ADV
easat-2280	223	26	influence	influence	VERB
easat-2280	223	27	family	family	NOUN
easat-2280	223	28	financial	financial	ADJ
easat-2280	223	29	planning	planning	NOUN
easat-2280	223	30	that	that	SCONJ
easat-2280	223	31	as	as	ADP
easat-2280	223	32	a	a	DET
easat-2280	223	33	result	result	NOUN
easat-2280	223	34	individual	individual	NOUN
easat-2280	223	35	is	be	AUX
easat-2280	223	36	able	able	ADJ
easat-2280	223	37	to	to	PART
easat-2280	223	38	make	make	VERB
easat-2280	223	39	very	very	ADV
easat-2280	223	40	careful	careful	ADJ
easat-2280	223	41	and	and	CCONJ
easat-2280	223	42	constructive	constructive	ADJ
easat-2280	223	43	financial	financial	ADJ
easat-2280	223	44	decisions	decision	NOUN
easat-2280	223	45	(	(	PUNCT
easat-2280	223	46	huston	huston	PROPN
easat-2280	223	47	&	&	CCONJ
easat-2280	223	48	lusardi	lusardi	PROPN
easat-2280	223	49	,	,	PUNCT
easat-2280	223	50	2010	2010	NUM
easat-2280	223	51	)	)	PUNCT
easat-2280	223	52	.	.	PUNCT
easat-2280	224	1	the	the	DET
easat-2280	224	2	proposed	propose	VERB
easat-2280	224	3	hypothesis	hypothesis	NOUN
easat-2280	224	4	is	be	AUX
easat-2280	224	5	:	:	PUNCT
easat-2280	224	6	h18	h18	ADJ
easat-2280	224	7	:	:	PUNCT
easat-2280	224	8	financial	financial	ADJ
easat-2280	224	9	quotient	quotient	NOUN
easat-2280	224	10	moderates	moderate	VERB
easat-2280	224	11	the	the	DET
easat-2280	224	12	effect	effect	NOUN
easat-2280	224	13	of	of	ADP
easat-2280	224	14	financial	financial	ADJ
easat-2280	224	15	literacy	literacy	NOUN
easat-2280	224	16	on	on	ADP
easat-2280	224	17	family	family	NOUN
easat-2280	224	18	financial	financial	ADJ
easat-2280	224	19	planning	planning	NOUN
easat-2280	224	20	among	among	ADP
easat-2280	224	21	naval	naval	ADJ
easat-2280	224	22	families	family	NOUN
easat-2280	224	23	at	at	ADP
easat-2280	224	24	hera	hera	PROPN
easat-2280	224	25	naval	naval	PROPN
easat-2280	224	26	base	base	PROPN
easat-2280	224	27	,	,	PUNCT
easat-2280	224	28	timor	timor	PROPN
easat-2280	224	29	leste	leste	PROPN
easat-2280	224	30	.	.	PUNCT
easat-2280	225	1	3	3	X
easat-2280	225	2	.	.	X
easat-2280	225	3	methodology	methodology	NOUN
easat-2280	225	4	3.1	3.1	NUM
easat-2280	225	5	.	.	PUNCT
easat-2280	226	1	research	research	NOUN
easat-2280	226	2	design	design	NOUN
easat-2280	226	3	the	the	DET
easat-2280	226	4	research	research	NOUN
easat-2280	226	5	utilizes	utilize	VERB
easat-2280	226	6	a	a	DET
easat-2280	226	7	quantitative	quantitative	ADJ
easat-2280	226	8	design	design	NOUN
easat-2280	226	9	with	with	ADP
easat-2280	226	10	a	a	DET
easat-2280	226	11	causal	causal	ADJ
easat-2280	226	12	explanatory	explanatory	ADJ
easat-2280	226	13	research	research	NOUN
easat-2280	226	14	approach	approach	NOUN
easat-2280	226	15	to	to	PART
easat-2280	226	16	explore	explore	VERB
easat-2280	226	17	relationships	relationship	NOUN
easat-2280	226	18	and	and	CCONJ
easat-2280	226	19	causal	causal	ADJ
easat-2280	226	20	influences	influence	NOUN
easat-2280	226	21	among	among	ADP
easat-2280	226	22	variables	variable	NOUN
easat-2280	226	23	.	.	PUNCT
easat-2280	227	1	3.2	3.2	NUM
easat-2280	227	2	.	.	PUNCT
easat-2280	227	3	population	population	NOUN
easat-2280	227	4	and	and	CCONJ
easat-2280	227	5	sample	sample	VERB
easat-2280	227	6	the	the	DET
easat-2280	227	7	target	target	NOUN
easat-2280	227	8	population	population	NOUN
easat-2280	227	9	of	of	ADP
easat-2280	227	10	the	the	DET
easat-2280	227	11	study	study	NOUN
easat-2280	227	12	were	be	AUX
easat-2280	227	13	700	700	NUM
easat-2280	227	14	naval	naval	ADJ
easat-2280	227	15	personnel	personnel	NOUN
easat-2280	227	16	selected	select	VERB
easat-2280	227	17	from	from	ADP
easat-2280	227	18	hera	hera	PROPN
easat-2280	227	19	naval	naval	ADJ
easat-2280	227	20	base	base	PROPN
easat-2280	227	21	.	.	PUNCT
easat-2280	228	1	a	a	DET
easat-2280	228	2	stratified	stratified	ADJ
easat-2280	228	3	random	random	ADJ
easat-2280	228	4	sampling	sampling	NOUN
easat-2280	228	5	technique	technique	NOUN
easat-2280	228	6	were	be	AUX
easat-2280	228	7	employed	employ	VERB
easat-2280	228	8	so	so	SCONJ
easat-2280	228	9	that	that	SCONJ
easat-2280	228	10	,	,	PUNCT
easat-2280	228	11	respondents	respondent	NOUN
easat-2280	228	12	from	from	ADP
easat-2280	228	13	various	various	ADJ
easat-2280	228	14	ranks	rank	NOUN
easat-2280	228	15	of	of	ADP
easat-2280	228	16	the	the	DET
easat-2280	228	17	navy	navy	PROPN
easat-2280	228	18	personnel	personnel	NOUN
easat-2280	228	19	and	and	CCONJ
easat-2280	228	20	financial	financial	ADJ
easat-2280	228	21	status	status	NOUN
easat-2280	228	22	could	could	AUX
easat-2280	228	23	be	be	AUX
easat-2280	228	24	included	include	VERB
easat-2280	228	25	in	in	ADP
easat-2280	228	26	the	the	DET
easat-2280	228	27	study	study	NOUN
easat-2280	228	28	.	.	PUNCT
easat-2280	229	1	for	for	ADP
easat-2280	229	2	this	this	DET
easat-2280	229	3	study	study	NOUN
easat-2280	229	4	,	,	PUNCT
easat-2280	229	5	sample	sample	NOUN
easat-2280	229	6	size	size	NOUN
easat-2280	229	7	was	be	AUX
easat-2280	229	8	therefore	therefore	ADV
easat-2280	229	9	established	establish	VERB
easat-2280	229	10	using	use	VERB
easat-2280	229	11	krejcie	krejcie	PROPN
easat-2280	229	12	dan	dan	PROPN
easat-2280	229	13	morgan	morgan	PROPN
easat-2280	229	14	formula	formula	NOUN
easat-2280	229	15	(	(	PUNCT
easat-2280	229	16	1970	1970	NUM
easat-2280	229	17	)	)	PUNCT
easat-2280	229	18	as	as	SCONJ
easat-2280	229	19	shown	show	VERB
easat-2280	229	20	below	below	ADV
easat-2280	229	21	:	:	PUNCT
easat-2280	229	22	n=1+n⋅e2n	n=1+n⋅e2n	ADV
easat-2280	229	23	where	where	SCONJ
easat-2280	229	24	:	:	PUNCT
easat-2280	229	25	n	n	PROPN
easat-2280	229	26	=	=	SYM
easat-2280	229	27	total	total	ADJ
easat-2280	229	28	population	population	NOUN
easat-2280	229	29	size	size	NOUN
easat-2280	229	30	(	(	PUNCT
easat-2280	229	31	700	700	NUM
easat-2280	229	32	)	)	PUNCT
easat-2280	229	33	e	e	NOUN
easat-2280	230	1	=	=	PUNCT
easat-2280	230	2	margin	margin	NOUN
easat-2280	230	3	of	of	ADP
easat-2280	230	4	error	error	NOUN
easat-2280	230	5	(	(	PUNCT
easat-2280	230	6	0.05	0.05	NUM
easat-2280	230	7	)	)	PUNCT
easat-2280	230	8	1587	1587	NUM
easat-2280	230	9	edelweiss	edelweiss	PROPN
easat-2280	230	10	applied	apply	VERB
easat-2280	230	11	science	science	NOUN
easat-2280	230	12	and	and	CCONJ
easat-2280	230	13	technology	technology	NOUN
easat-2280	230	14	issn	issn	PROPN
easat-2280	230	15	:	:	PUNCT
easat-2280	230	16	2576	2576	NUM
easat-2280	230	17	-	-	SYM
easat-2280	230	18	8484	8484	NUM
easat-2280	230	19	vol	vol	NOUN
easat-2280	230	20	.	.	PROPN
easat-2280	230	21	8	8	NUM
easat-2280	230	22	,	,	PUNCT
easat-2280	230	23	no	no	INTJ
easat-2280	230	24	.	.	NOUN
easat-2280	230	25	6	6	NUM
easat-2280	230	26	:	:	SYM
easat-2280	230	27	1577	1577	NUM
easat-2280	230	28	-	-	SYM
easat-2280	230	29	1597	1597	NUM
easat-2280	230	30	,	,	PUNCT
easat-2280	230	31	2024	2024	NUM
easat-2280	230	32	doi	doi	NOUN
easat-2280	230	33	:	:	PUNCT
easat-2280	230	34	10.55214/25768484.v8i6.2280	10.55214/25768484.v8i6.2280	NUM
easat-2280	230	35	©	©	PROPN
easat-2280	230	36	2024	2024	NUM
easat-2280	230	37	by	by	ADP
easat-2280	230	38	the	the	DET
easat-2280	230	39	authors	author	NOUN
easat-2280	230	40	;	;	PUNCT
easat-2280	230	41	licensee	licensee	PROPN
easat-2280	230	42	learning	learning	NOUN
easat-2280	230	43	gate	gate	NOUN
easat-2280	230	44	according	accord	VERB
easat-2280	230	45	to	to	ADP
easat-2280	230	46	the	the	DET
easat-2280	230	47	formula	formula	NOUN
easat-2280	230	48	the	the	DET
easat-2280	230	49	sample	sample	NOUN
easat-2280	230	50	size	size	NOUN
easat-2280	230	51	of	of	ADP
easat-2280	230	52	248	248	NUM
easat-2280	230	53	navy	navy	NOUN
easat-2280	230	54	personal	personal	ADJ
easat-2280	230	55	at	at	ADP
easat-2280	230	56	hera	hera	PROPN
easat-2280	230	57	naval	naval	PROPN
easat-2280	230	58	base	base	PROPN
easat-2280	230	59	,	,	PUNCT
easat-2280	230	60	timor	timor	PROPN
easat-2280	230	61	-	-	PUNCT
easat-2280	230	62	leste	leste	PROPN
easat-2280	230	63	were	be	AUX
easat-2280	230	64	taken	take	VERB
easat-2280	230	65	for	for	ADP
easat-2280	230	66	the	the	DET
easat-2280	230	67	study	study	NOUN
easat-2280	230	68	.	.	PUNCT
easat-2280	231	1	this	this	PRON
easat-2280	231	2	was	be	AUX
easat-2280	231	3	the	the	DET
easat-2280	231	4	totality	totality	NOUN
easat-2280	231	5	of	of	ADP
easat-2280	231	6	the	the	DET
easat-2280	231	7	participants	participant	NOUN
easat-2280	231	8	which	which	PRON
easat-2280	231	9	formed	form	VERB
easat-2280	231	10	the	the	DET
easat-2280	231	11	entire	entire	ADJ
easat-2280	231	12	sample	sample	NOUN
easat-2280	231	13	size	size	NOUN
easat-2280	231	14	of	of	ADP
easat-2280	231	15	the	the	DET
easat-2280	231	16	study	study	NOUN
easat-2280	231	17	.	.	PUNCT
easat-2280	232	1	3.3	3.3	NUM
easat-2280	232	2	.	.	PUNCT
easat-2280	233	1	variables	variable	NOUN
easat-2280	233	2	a	a	PRON
easat-2280	233	3	)	)	PUNCT
easat-2280	233	4	exogenous	exogenous	ADJ
easat-2280	233	5	variables	variable	NOUN
easat-2280	233	6	(	(	PUNCT
easat-2280	233	7	x	x	NOUN
easat-2280	233	8	):	):	PUNCT
easat-2280	233	9	financial	financial	ADJ
easat-2280	233	10	technology	technology	NOUN
easat-2280	233	11	,	,	PUNCT
easat-2280	233	12	personality	personality	NOUN
easat-2280	233	13	traits	trait	NOUN
easat-2280	233	14	,	,	PUNCT
easat-2280	233	15	and	and	CCONJ
easat-2280	233	16	financial	financial	ADJ
easat-2280	233	17	literacy	literacy	NOUN
easat-2280	233	18	.	.	PUNCT
easat-2280	234	1	b	b	X
easat-2280	234	2	)	)	PUNCT
easat-2280	234	3	endogenous	endogenous	ADJ
easat-2280	234	4	variable	variable	NOUN
easat-2280	234	5	(	(	PUNCT
easat-2280	234	6	y	y	NOUN
easat-2280	234	7	):	):	PUNCT
easat-2280	234	8	financial	financial	ADJ
easat-2280	234	9	attitude	attitude	NOUN
easat-2280	234	10	,	,	PUNCT
easat-2280	234	11	personal	personal	ADJ
easat-2280	234	12	saving	saving	NOUN
easat-2280	234	13	orientation	orientation	NOUN
easat-2280	234	14	and	and	CCONJ
easat-2280	234	15	family	family	NOUN
easat-2280	234	16	financial	financial	ADJ
easat-2280	234	17	planning	planning	NOUN
easat-2280	234	18	.	.	PUNCT
easat-2280	235	1	c	c	X
easat-2280	235	2	)	)	PUNCT
easat-2280	235	3	moderating	moderate	VERB
easat-2280	235	4	variable	variable	NOUN
easat-2280	235	5	(	(	PUNCT
easat-2280	235	6	m	m	NOUN
easat-2280	235	7	):	):	PUNCT
easat-2280	235	8	financial	financial	ADJ
easat-2280	235	9	quotient	quotient	NOUN
easat-2280	235	10	.	.	PUNCT
easat-2280	236	1	3.4	3.4	NUM
easat-2280	236	2	.	.	PUNCT
easat-2280	236	3	data	datum	NOUN
easat-2280	236	4	collection	collection	NOUN
easat-2280	236	5	data	datum	NOUN
easat-2280	236	6	collection	collection	NOUN
easat-2280	236	7	was	be	AUX
easat-2280	236	8	done	do	VERB
easat-2280	236	9	through	through	ADP
easat-2280	236	10	an	an	DET
easat-2280	236	11	online	online	ADJ
easat-2280	236	12	survey	survey	NOUN
easat-2280	236	13	which	which	PRON
easat-2280	236	14	was	be	AUX
easat-2280	236	15	conducted	conduct	VERB
easat-2280	236	16	using	use	VERB
easat-2280	236	17	google	google	PROPN
easat-2280	236	18	forms	form	NOUN
easat-2280	236	19	and	and	CCONJ
easat-2280	236	20	a	a	DET
easat-2280	236	21	closed	closed	ADJ
easat-2280	236	22	questionnaire	questionnaire	NOUN
easat-2280	236	23	was	be	AUX
easat-2280	236	24	used	use	VERB
easat-2280	236	25	to	to	PART
easat-2280	236	26	increase	increase	VERB
easat-2280	236	27	credibility	credibility	NOUN
easat-2280	236	28	.	.	PUNCT
easat-2280	237	1	for	for	ADP
easat-2280	237	2	research	research	NOUN
easat-2280	237	3	methods	method	NOUN
easat-2280	237	4	and	and	CCONJ
easat-2280	237	5	tests	test	VERB
easat-2280	237	6	the	the	DET
easat-2280	237	7	researcher	researcher	NOUN
easat-2280	237	8	using	use	VERB
easat-2280	237	9	a	a	DET
easat-2280	237	10	structural	structural	ADJ
easat-2280	237	11	equation	equation	NOUN
easat-2280	237	12	modeling	modeling	NOUN
easat-2280	237	13	(	(	PUNCT
easat-2280	237	14	sem	sem	NOUN
easat-2280	237	15	)	)	PUNCT
easat-2280	237	16	approach	approach	NOUN
easat-2280	237	17	with	with	ADP
easat-2280	237	18	smart	smart	ADJ
easat-2280	237	19	pls	pls	NOUN
easat-2280	237	20	to	to	PART
easat-2280	237	21	analysis	analysis	VERB
easat-2280	237	22	the	the	DET
easat-2280	237	23	casual	casual	ADJ
easat-2280	237	24	relationships	relationship	NOUN
easat-2280	237	25	between	between	ADP
easat-2280	237	26	latent	latent	NOUN
easat-2280	237	27	and	and	CCONJ
easat-2280	237	28	manifest	manifest	ADJ
easat-2280	237	29	variables	variable	NOUN
easat-2280	237	30	.	.	PUNCT
easat-2280	238	1	table	table	NOUN
easat-2280	238	2	1	1	NUM
easat-2280	238	3	.	.	PUNCT
easat-2280	239	1	no	no	DET
easat-2280	239	2	hypothesis	hypothesis	NOUN
easat-2280	239	3	result	result	NOUN
easat-2280	239	4	explanation	explanation	NOUN
easat-2280	239	5	1	1	NUM
easat-2280	239	6	h1	h1	NOUN
easat-2280	239	7	:	:	PUNCT
easat-2280	239	8	financial	financial	ADJ
easat-2280	239	9	technology	technology	NOUN
easat-2280	239	10	positively	positively	ADV
easat-2280	239	11	affects	affect	VERB
easat-2280	239	12	financial	financial	ADJ
easat-2280	239	13	attitude	attitude	NOUN
easat-2280	239	14	in	in	ADP
easat-2280	239	15	military	military	ADJ
easat-2280	239	16	families	family	NOUN
easat-2280	239	17	at	at	ADP
easat-2280	239	18	hera	hera	PROPN
easat-2280	239	19	naval	naval	PROPN
easat-2280	239	20	base	base	PROPN
easat-2280	239	21	,	,	PUNCT
easat-2280	239	22	timor	timor	PROPN
easat-2280	239	23	leste	leste	PROPN
easat-2280	239	24	.	.	PUNCT
easat-2280	240	1	positive	positive	ADJ
easat-2280	240	2	not	not	PART
easat-2280	240	3	significant	significant	ADJ
easat-2280	240	4	accepted	accept	VERB
easat-2280	240	5	2	2	NUM
easat-2280	240	6	h2	h2	NOUN
easat-2280	240	7	:	:	PUNCT
easat-2280	240	8	financial	financial	ADJ
easat-2280	240	9	technology	technology	NOUN
easat-2280	240	10	positively	positively	ADV
easat-2280	240	11	affects	affect	VERB
easat-2280	240	12	personal	personal	ADJ
easat-2280	240	13	saving	saving	NOUN
easat-2280	240	14	orientation	orientation	NOUN
easat-2280	240	15	in	in	ADP
easat-2280	240	16	military	military	ADJ
easat-2280	240	17	families	family	NOUN
easat-2280	240	18	at	at	ADP
easat-2280	240	19	hera	hera	PROPN
easat-2280	240	20	naval	naval	PROPN
easat-2280	240	21	base	base	PROPN
easat-2280	240	22	,	,	PUNCT
easat-2280	240	23	timor	timor	PROPN
easat-2280	240	24	leste	leste	PROPN
easat-2280	240	25	.	.	PUNCT
easat-2280	241	1	negative	negative	ADJ
easat-2280	241	2	not	not	PART
easat-2280	241	3	significant	significant	ADJ
easat-2280	241	4	rejected	reject	VERB
easat-2280	241	5	3	3	NUM
easat-2280	241	6	h3	h3	NOUN
easat-2280	241	7	:	:	PUNCT
easat-2280	241	8	financial	financial	ADJ
easat-2280	241	9	technology	technology	NOUN
easat-2280	241	10	positively	positively	ADV
easat-2280	241	11	affects	affect	VERB
easat-2280	241	12	family	family	NOUN
easat-2280	241	13	financial	financial	ADJ
easat-2280	241	14	planning	planning	NOUN
easat-2280	241	15	in	in	ADP
easat-2280	241	16	military	military	ADJ
easat-2280	241	17	families	family	NOUN
easat-2280	241	18	at	at	ADP
easat-2280	241	19	hera	hera	PROPN
easat-2280	241	20	naval	naval	PROPN
easat-2280	241	21	base	base	PROPN
easat-2280	241	22	,	,	PUNCT
easat-2280	241	23	timor	timor	PROPN
easat-2280	241	24	leste	leste	PROPN
easat-2280	241	25	.	.	PUNCT
easat-2280	242	1	positive	positive	ADJ
easat-2280	242	2	significant	significant	ADJ
easat-2280	242	3	accepted	accept	VERB
easat-2280	242	4	4	4	NUM
easat-2280	242	5	h4	h4	NOUN
easat-2280	242	6	:	:	PUNCT
easat-2280	242	7	personality	personality	NOUN
easat-2280	242	8	traits	trait	NOUN
easat-2280	242	9	positively	positively	ADV
easat-2280	242	10	affect	affect	VERB
easat-2280	242	11	financial	financial	ADJ
easat-2280	242	12	attitude	attitude	NOUN
easat-2280	242	13	in	in	ADP
easat-2280	242	14	military	military	ADJ
easat-2280	242	15	families	family	NOUN
easat-2280	242	16	at	at	ADP
easat-2280	242	17	hera	hera	PROPN
easat-2280	242	18	naval	naval	PROPN
easat-2280	242	19	base	base	PROPN
easat-2280	242	20	,	,	PUNCT
easat-2280	242	21	timor	timor	PROPN
easat-2280	242	22	leste	leste	PROPN
easat-2280	242	23	.	.	PUNCT
easat-2280	243	1	positive	positive	ADJ
easat-2280	243	2	significant	significant	ADJ
easat-2280	243	3	accepted	accept	VERB
easat-2280	243	4	5	5	NUM
easat-2280	243	5	h5	h5	NOUN
easat-2280	243	6	:	:	PUNCT
easat-2280	243	7	personality	personality	NOUN
easat-2280	243	8	traits	trait	NOUN
easat-2280	243	9	positively	positively	ADV
easat-2280	243	10	affect	affect	VERB
easat-2280	243	11	personal	personal	ADJ
easat-2280	243	12	saving	saving	NOUN
easat-2280	243	13	orientation	orientation	NOUN
easat-2280	243	14	in	in	ADP
easat-2280	243	15	military	military	ADJ
easat-2280	243	16	families	family	NOUN
easat-2280	243	17	at	at	ADP
easat-2280	243	18	hera	hera	PROPN
easat-2280	243	19	naval	naval	PROPN
easat-2280	243	20	base	base	PROPN
easat-2280	243	21	,	,	PUNCT
easat-2280	243	22	timor	timor	PROPN
easat-2280	243	23	leste	leste	PROPN
easat-2280	243	24	.	.	PUNCT
easat-2280	244	1	negative	negative	ADJ
easat-2280	244	2	not	not	PART
easat-2280	244	3	significant	significant	ADJ
easat-2280	244	4	rejected	reject	VERB
easat-2280	244	5	6	6	NUM
easat-2280	244	6	h6	h6	NOUN
easat-2280	244	7	:	:	PUNCT
easat-2280	244	8	personality	personality	NOUN
easat-2280	244	9	traits	trait	NOUN
easat-2280	244	10	positively	positively	ADV
easat-2280	244	11	affect	affect	VERB
easat-2280	244	12	family	family	NOUN
easat-2280	244	13	financial	financial	ADJ
easat-2280	244	14	planning	planning	NOUN
easat-2280	244	15	in	in	ADP
easat-2280	244	16	military	military	ADJ
easat-2280	244	17	families	family	NOUN
easat-2280	244	18	at	at	ADP
easat-2280	244	19	hera	hera	PROPN
easat-2280	244	20	naval	naval	PROPN
easat-2280	244	21	base	base	PROPN
easat-2280	244	22	,	,	PUNCT
easat-2280	244	23	timor	timor	PROPN
easat-2280	244	24	leste	leste	PROPN
easat-2280	244	25	.	.	PUNCT
easat-2280	245	1	positive	positive	ADJ
easat-2280	245	2	significant	significant	ADJ
easat-2280	245	3	accepted	accept	VERB
easat-2280	245	4	7	7	NUM
easat-2280	245	5	h7	h7	NOUN
easat-2280	245	6	:	:	PUNCT
easat-2280	245	7	financial	financial	ADJ
easat-2280	245	8	literacy	literacy	NOUN
easat-2280	245	9	positively	positively	ADV
easat-2280	245	10	affects	affect	VERB
easat-2280	245	11	financial	financial	ADJ
easat-2280	245	12	attitude	attitude	NOUN
easat-2280	245	13	in	in	ADP
easat-2280	245	14	military	military	ADJ
easat-2280	245	15	families	family	NOUN
easat-2280	245	16	at	at	ADP
easat-2280	245	17	hera	hera	PROPN
easat-2280	245	18	naval	naval	PROPN
easat-2280	245	19	base	base	PROPN
easat-2280	245	20	,	,	PUNCT
easat-2280	245	21	timor	timor	PROPN
easat-2280	245	22	leste	leste	PROPN
easat-2280	245	23	.	.	PUNCT
easat-2280	246	1	positive	positive	ADJ
easat-2280	246	2	significant	significant	ADJ
easat-2280	246	3	accepted	accept	VERB
easat-2280	246	4	8	8	NUM
easat-2280	246	5	h8	h8	NOUN
easat-2280	246	6	:	:	PUNCT
easat-2280	246	7	financial	financial	ADJ
easat-2280	246	8	literacy	literacy	NOUN
easat-2280	246	9	positively	positively	ADV
easat-2280	246	10	affects	affect	VERB
easat-2280	246	11	personal	personal	ADJ
easat-2280	246	12	saving	saving	NOUN
easat-2280	246	13	orientation	orientation	NOUN
easat-2280	246	14	in	in	ADP
easat-2280	246	15	military	military	ADJ
easat-2280	246	16	families	family	NOUN
easat-2280	246	17	.	.	PUNCT
easat-2280	247	1	positive	positive	ADJ
easat-2280	247	2	not	not	PART
easat-2280	247	3	significant	significant	ADJ
easat-2280	247	4	accepted	accept	VERB
easat-2280	247	5	4	4	NUM
easat-2280	247	6	.	.	PUNCT
easat-2280	247	7	findings	finding	NOUN
easat-2280	247	8	and	and	CCONJ
easat-2280	247	9	discussions	discussion	NOUN
easat-2280	247	10	findings	finding	VERB
easat-2280	247	11	4.1	4.1	NUM
easat-2280	247	12	.	.	PUNCT
easat-2280	248	1	hypothesis	hypothesis	NOUN
easat-2280	248	2	testing	testing	NOUN
easat-2280	248	3	results	result	NOUN
easat-2280	248	4	from	from	ADP
easat-2280	248	5	the	the	DET
easat-2280	248	6	findings	finding	NOUN
easat-2280	248	7	it	it	PRON
easat-2280	248	8	was	be	AUX
easat-2280	248	9	evident	evident	ADJ
easat-2280	248	10	that	that	SCONJ
easat-2280	248	11	financial	financial	ADJ
easat-2280	248	12	technology	technology	NOUN
easat-2280	248	13	(	(	PUNCT
easat-2280	248	14	h3	h3	NOUN
easat-2280	248	15	)	)	PUNCT
easat-2280	248	16	influenced	influence	VERB
easat-2280	248	17	family	family	NOUN
easat-2280	248	18	financial	financial	ADJ
easat-2280	248	19	planning	planning	NOUN
easat-2280	248	20	positively	positively	ADV
easat-2280	248	21	while	while	SCONJ
easat-2280	248	22	the	the	DET
easat-2280	248	23	influence	influence	NOUN
easat-2280	248	24	of	of	ADP
easat-2280	248	25	financial	financial	ADJ
easat-2280	248	26	attitude	attitude	NOUN
easat-2280	248	27	and	and	CCONJ
easat-2280	248	28	influence	influence	NOUN
easat-2280	248	29	on	on	ADP
easat-2280	248	30	personal	personal	ADJ
easat-2280	248	31	saving	saving	NOUN
easat-2280	248	32	orientation	orientation	NOUN
easat-2280	248	33	was	be	AUX
easat-2280	248	34	found	find	VERB
easat-2280	248	35	be	be	AUX
easat-2280	248	36	insignificant	insignificant	ADJ
easat-2280	248	37	(	(	PUNCT
easat-2280	248	38	h1	h1	PROPN
easat-2280	248	39	&	&	CCONJ
easat-2280	248	40	h2	h2	PROPN
easat-2280	248	41	)	)	PUNCT
easat-2280	248	42	.	.	PUNCT
easat-2280	249	1	this	this	PRON
easat-2280	249	2	shows	show	VERB
easat-2280	249	3	that	that	SCONJ
easat-2280	249	4	whilst	whilst	SCONJ
easat-2280	249	5	financial	financial	ADJ
easat-2280	249	6	technology	technology	NOUN
easat-2280	249	7	could	could	AUX
easat-2280	249	8	be	be	AUX
easat-2280	249	9	useful	useful	ADJ
easat-2280	249	10	in	in	ADP
easat-2280	249	11	the	the	DET
easat-2280	249	12	context	context	NOUN
easat-2280	249	13	of	of	ADP
easat-2280	249	14	family	family	NOUN
easat-2280	249	15	financial	financial	ADJ
easat-2280	249	16	planning	planning	NOUN
easat-2280	249	17	,	,	PUNCT
easat-2280	249	18	it	it	PRON
easat-2280	249	19	need	need	AUX
easat-2280	249	20	not	not	PART
easat-2280	249	21	therefore	therefore	ADV
easat-2280	249	22	always	always	ADV
easat-2280	249	23	enhance	enhance	VERB
easat-2280	249	24	their	their	PRON
easat-2280	249	25	financial	financial	ADJ
easat-2280	249	26	disposition	disposition	NOUN
easat-2280	249	27	or	or	CCONJ
easat-2280	249	28	saving	saving	NOUN
easat-2280	249	29	.	.	PUNCT
easat-2280	250	1	it	it	PRON
easat-2280	250	2	can	can	AUX
easat-2280	250	3	be	be	AUX
easat-2280	250	4	noted	note	VERB
easat-2280	250	5	that	that	SCONJ
easat-2280	250	6	personality	personality	NOUN
easat-2280	250	7	traits	trait	VERB
easat-2280	250	8	influence	influence	VERB
easat-2280	250	9	financial	financial	ADJ
easat-2280	250	10	attitude	attitude	NOUN
easat-2280	250	11	(	(	PUNCT
easat-2280	250	12	h4	h4	PROPN
easat-2280	250	13	)	)	PUNCT
easat-2280	250	14	and	and	CCONJ
easat-2280	250	15	the	the	DET
easat-2280	250	16	creation	creation	NOUN
easat-2280	250	17	of	of	ADP
easat-2280	250	18	the	the	DET
easat-2280	250	19	framework	framework	NOUN
easat-2280	250	20	for	for	ADP
easat-2280	250	21	the	the	DET
easat-2280	250	22	family	family	NOUN
easat-2280	250	23	financial	financial	ADJ
easat-2280	250	24	planning	planning	NOUN
easat-2280	250	25	(	(	PUNCT
easat-2280	250	26	h6	h6	PROPN
easat-2280	250	27	)	)	PUNCT
easat-2280	250	28	.	.	PUNCT
easat-2280	251	1	from	from	ADP
easat-2280	251	2	the	the	DET
easat-2280	251	3	evidence	evidence	NOUN
easat-2280	251	4	it	it	PRON
easat-2280	251	5	is	be	AUX
easat-2280	251	6	evident	evident	ADJ
easat-2280	251	7	that	that	SCONJ
easat-2280	251	8	financial	financial	ADJ
easat-2280	251	9	literacy	literacy	NOUN
easat-2280	251	10	has	have	VERB
easat-2280	251	11	a	a	DET
easat-2280	251	12	large	large	ADJ
easat-2280	251	13	impact	impact	NOUN
easat-2280	251	14	on	on	ADP
easat-2280	251	15	financial	financial	ADJ
easat-2280	251	16	attitude	attitude	NOUN
easat-2280	251	17	[	[	X
easat-2280	251	18	h7	h7	X
easat-2280	251	19	]	]	PUNCT
easat-2280	251	20	and	and	CCONJ
easat-2280	251	21	is	be	AUX
easat-2280	251	22	consequently	consequently	ADV
easat-2280	251	23	more	more	ADJ
easat-2280	251	24	proof	proof	NOUN
easat-2280	251	25	to	to	ADP
easat-2280	251	26	the	the	DET
easat-2280	251	27	theory	theory	NOUN
easat-2280	251	28	that	that	SCONJ
easat-2280	251	29	it	it	PRON
easat-2280	251	30	affects	affect	VERB
easat-2280	251	31	their	their	PRON
easat-2280	251	32	perspective	perspective	NOUN
easat-2280	251	33	on	on	ADP
easat-2280	251	34	matters	matter	NOUN
easat-2280	251	35	to	to	PART
easat-2280	251	36	do	do	VERB
easat-2280	251	37	with	with	ADP
easat-2280	251	38	personal	personal	ADJ
easat-2280	251	39	finance	finance	NOUN
easat-2280	251	40	.	.	PUNCT
easat-2280	252	1	1588	1588	NUM
easat-2280	252	2	edelweiss	edelweiss	PROPN
easat-2280	252	3	applied	apply	VERB
easat-2280	252	4	science	science	NOUN
easat-2280	252	5	and	and	CCONJ
easat-2280	252	6	technology	technology	NOUN
easat-2280	252	7	issn	issn	PROPN
easat-2280	252	8	:	:	PUNCT
easat-2280	252	9	2576	2576	NUM
easat-2280	252	10	-	-	SYM
easat-2280	252	11	8484	8484	NUM
easat-2280	252	12	vol	vol	NOUN
easat-2280	252	13	.	.	PROPN
easat-2280	252	14	8	8	NUM
easat-2280	252	15	,	,	PUNCT
easat-2280	252	16	no	no	INTJ
easat-2280	252	17	.	.	NOUN
easat-2280	252	18	6	6	NUM
easat-2280	252	19	:	:	SYM
easat-2280	252	20	1577	1577	NUM
easat-2280	252	21	-	-	SYM
easat-2280	252	22	1597	1597	NUM
easat-2280	252	23	,	,	PUNCT
easat-2280	252	24	2024	2024	NUM
easat-2280	252	25	doi	doi	NOUN
easat-2280	252	26	:	:	PUNCT
easat-2280	252	27	10.55214/25768484.v8i6.2280	10.55214/25768484.v8i6.2280	NUM
easat-2280	252	28	©	©	PROPN
easat-2280	252	29	2024	2024	NUM
easat-2280	252	30	by	by	ADP
easat-2280	252	31	the	the	DET
easat-2280	252	32	authors	author	NOUN
easat-2280	252	33	;	;	PUNCT
easat-2280	252	34	licensee	licensee	PROPN
easat-2280	252	35	learning	learn	VERB
easat-2280	252	36	gate	gate	NOUN
easat-2280	252	37	table	table	NOUN
easat-2280	252	38	2	2	NUM
easat-2280	252	39	.	.	X
easat-2280	252	40	t	t	NOUN
easat-2280	252	41	-	-	PUNCT
easat-2280	252	42	values	value	NOUN
easat-2280	252	43	&	&	CCONJ
easat-2280	252	44	p	p	NOUN
easat-2280	252	45	-	-	PUNCT
easat-2280	252	46	values	value	NOUN
easat-2280	252	47	.	.	PUNCT
easat-2280	253	1	variable	variable	ADJ
easat-2280	253	2	coefficient	coefficient	NOUN
easat-2280	253	3	t	t	NOUN
easat-2280	253	4	-	-	PUNCT
easat-2280	253	5	statistic	statistic	NOUN
easat-2280	253	6	p	p	NOUN
easat-2280	253	7	-	-	PUNCT
easat-2280	253	8	value	value	NOUN
easat-2280	253	9	significance	significance	NOUN
easat-2280	253	10	financial	financial	ADJ
easat-2280	253	11	technology	technology	NOUN
easat-2280	253	12	→	→	SYM
easat-2280	253	13	financial	financial	ADJ
easat-2280	253	14	attitude	attitude	NOUN
easat-2280	253	15	(	(	PUNCT
easat-2280	253	16	y1	y1	NOUN
easat-2280	253	17	)	)	PUNCT
easat-2280	253	18	0.010	0.010	NUM
easat-2280	253	19	0.389	0.389	NUM
easat-2280	253	20	0.349	0.349	NUM
easat-2280	253	21	positive	positive	ADJ
easat-2280	253	22	but	but	CCONJ
easat-2280	253	23	not	not	PART
easat-2280	253	24	significant	significant	ADJ
easat-2280	253	25	financial	financial	ADJ
easat-2280	253	26	technology	technology	NOUN
easat-2280	253	27	→	→	PUNCT
easat-2280	253	28	personal	personal	ADJ
easat-2280	253	29	saving	saving	NOUN
easat-2280	253	30	orientation	orientation	NOUN
easat-2280	253	31	(	(	PUNCT
easat-2280	253	32	y2	y2	PROPN
easat-2280	253	33	)	)	PUNCT
easat-2280	253	34	-0.094	-0.094	VERB
easat-2280	253	35	1.206	1.206	NUM
easat-2280	253	36	0.114	0.114	NUM
easat-2280	253	37	negative	negative	ADJ
easat-2280	253	38	but	but	CCONJ
easat-2280	253	39	not	not	PART
easat-2280	253	40	significant	significant	ADJ
easat-2280	253	41	financial	financial	ADJ
easat-2280	253	42	technology	technology	NOUN
easat-2280	253	43	→	→	SYM
easat-2280	253	44	family	family	NOUN
easat-2280	253	45	financial	financial	ADJ
easat-2280	253	46	planning	planning	NOUN
easat-2280	253	47	(	(	PUNCT
easat-2280	253	48	y3	y3	NOUN
easat-2280	253	49	)	)	PUNCT
easat-2280	253	50	0.306	0.306	NOUN
easat-2280	253	51	2.101	2.101	NUM
easat-2280	253	52	0.036	0.036	NUM
easat-2280	253	53	positive	positive	ADJ
easat-2280	253	54	and	and	CCONJ
easat-2280	253	55	significant	significant	ADJ
easat-2280	253	56	personality	personality	NOUN
easat-2280	253	57	traits	trait	NOUN
easat-2280	253	58	→	→	SYM
easat-2280	253	59	financial	financial	ADJ
easat-2280	253	60	attitude	attitude	NOUN
easat-2280	253	61	(	(	PUNCT
easat-2280	253	62	y1	y1	NOUN
easat-2280	253	63	)	)	PUNCT
easat-2280	253	64	0.306	0.306	NUM
easat-2280	253	65	3.730	3.730	NUM
easat-2280	253	66	0.000	0.000	NUM
easat-2280	253	67	positive	positive	ADJ
easat-2280	253	68	and	and	CCONJ
easat-2280	253	69	significant	significant	ADJ
easat-2280	253	70	personality	personality	NOUN
easat-2280	253	71	traits	trait	NOUN
easat-2280	253	72	→	→	SYM
easat-2280	253	73	family	family	NOUN
easat-2280	253	74	financial	financial	ADJ
easat-2280	253	75	planning	planning	NOUN
easat-2280	253	76	(	(	PUNCT
easat-2280	253	77	y3	y3	NOUN
easat-2280	253	78	)	)	PUNCT
easat-2280	253	79	0.294	0.294	NUM
easat-2280	253	80	3.730	3.730	NUM
easat-2280	253	81	0.000	0.000	NUM
easat-2280	253	82	positive	positive	ADJ
easat-2280	253	83	and	and	CCONJ
easat-2280	253	84	significant	significant	ADJ
easat-2280	253	85	financial	financial	ADJ
easat-2280	253	86	literacy	literacy	NOUN
easat-2280	253	87	→	→	SYM
easat-2280	253	88	financial	financial	ADJ
easat-2280	253	89	attitude	attitude	NOUN
easat-2280	253	90	(	(	PUNCT
easat-2280	253	91	y1	y1	NOUN
easat-2280	253	92	)	)	PUNCT
easat-2280	253	93	0.682	0.682	NUM
easat-2280	253	94	20.345	20.345	NUM
easat-2280	253	95	0.000	0.000	NUM
easat-2280	253	96	positive	positive	ADJ
easat-2280	253	97	and	and	CCONJ
easat-2280	253	98	significant	significant	ADJ
easat-2280	253	99	financial	financial	ADJ
easat-2280	253	100	literacy	literacy	NOUN
easat-2280	253	101	→	→	SYM
easat-2280	253	102	family	family	NOUN
easat-2280	253	103	financial	financial	ADJ
easat-2280	253	104	planning	planning	NOUN
easat-2280	253	105	(	(	PUNCT
easat-2280	253	106	y3	y3	PROPN
easat-2280	253	107	)	)	PUNCT
easat-2280	253	108	0.340	0.340	NUM
easat-2280	253	109	4.274	4.274	NUM
easat-2280	253	110	0.000	0.000	NUM
easat-2280	253	111	positive	positive	ADJ
easat-2280	253	112	and	and	CCONJ
easat-2280	253	113	significant	significant	ADJ
easat-2280	253	114	financial	financial	ADJ
easat-2280	253	115	quotient	quotient	NOUN
easat-2280	253	116	moderation	moderation	NOUN
easat-2280	253	117	(	(	PUNCT
easat-2280	253	118	x3	x3	ADJ
easat-2280	253	119	)	)	PUNCT
easat-2280	253	120	not	not	PART
easat-2280	253	121	significant	significant	ADJ
easat-2280	253	122	negative	negative	ADJ
easat-2280	253	123	moderation	moderation	NOUN
easat-2280	253	124	effect	effect	NOUN
easat-2280	253	125	4.2	4.2	NUM
easat-2280	253	126	.	.	PUNCT
easat-2280	254	1	analysis	analysis	NOUN
easat-2280	254	2	of	of	ADP
easat-2280	254	3	hypothesis	hypothesis	NOUN
easat-2280	254	4	variables	variable	VERB
easat-2280	254	5	the	the	DET
easat-2280	254	6	path	path	NOUN
easat-2280	254	7	coefficients	coefficient	NOUN
easat-2280	254	8	established	establish	VERB
easat-2280	254	9	in	in	ADP
easat-2280	254	10	this	this	DET
easat-2280	254	11	study	study	NOUN
easat-2280	254	12	show	show	VERB
easat-2280	254	13	that	that	SCONJ
easat-2280	254	14	the	the	DET
easat-2280	254	15	impact	impact	NOUN
easat-2280	254	16	of	of	ADP
easat-2280	254	17	financial	financial	ADJ
easat-2280	254	18	technology	technology	NOUN
easat-2280	254	19	is	be	AUX
easat-2280	254	20	nearzero	nearzero	ADJ
easat-2280	254	21	on	on	ADP
easat-2280	254	22	financial	financial	ADJ
easat-2280	254	23	attitude	attitude	NOUN
easat-2280	254	24	(	(	PUNCT
easat-2280	254	25	.010	.010	NUM
easat-2280	254	26	)	)	PUNCT
easat-2280	254	27	and	and	CCONJ
easat-2280	254	28	weak	weak	ADJ
easat-2280	254	29	/	/	SYM
easat-2280	254	30	insignificant	insignificant	ADJ
easat-2280	254	31	negative	negative	ADJ
easat-2280	254	32	on	on	ADP
easat-2280	254	33	personal	personal	ADJ
easat-2280	254	34	saving	saving	NOUN
easat-2280	254	35	orientation	orientation	NOUN
easat-2280	254	36	(	(	PUNCT
easat-2280	254	37	-.094	-.094	VERB
easat-2280	254	38	)	)	PUNCT
easat-2280	254	39	although	although	SCONJ
easat-2280	254	40	statistically	statistically	ADV
easat-2280	254	41	insignificant	insignificant	ADJ
easat-2280	254	42	(	(	PUNCT
easat-2280	254	43	p	p	X
easat-2280	254	44	>	>	X
easat-2280	254	45	0.05	0.05	NUM
easat-2280	254	46	)	)	PUNCT
easat-2280	254	47	.	.	PUNCT
easat-2280	255	1	although	although	SCONJ
easat-2280	255	2	it	it	PRON
easat-2280	255	3	has	have	VERB
easat-2280	255	4	a	a	DET
easat-2280	255	5	moderate	moderate	ADJ
easat-2280	255	6	degree	degree	NOUN
easat-2280	255	7	of	of	ADP
easat-2280	255	8	importance	importance	NOUN
easat-2280	255	9	,	,	PUNCT
easat-2280	255	10	it	it	PRON
easat-2280	255	11	has	have	VERB
easat-2280	255	12	a	a	DET
easat-2280	255	13	near	near	ADJ
easat-2280	255	14	meaningful	meaningful	ADJ
easat-2280	255	15	and	and	CCONJ
easat-2280	255	16	highly	highly	ADV
easat-2280	255	17	significant	significant	ADJ
easat-2280	255	18	positive	positive	ADJ
easat-2280	255	19	impact	impact	NOUN
easat-2280	255	20	of	of	ADP
easat-2280	255	21	on	on	ADP
easat-2280	255	22	family	family	NOUN
easat-2280	255	23	financial	financial	ADJ
easat-2280	255	24	planning	planning	NOUN
easat-2280	255	25	having	have	VERB
easat-2280	255	26	a	a	DET
easat-2280	255	27	coefficient	coefficient	NOUN
easat-2280	255	28	of	of	ADP
easat-2280	255	29	0.125	0.125	NUM
easat-2280	255	30	and	and	CCONJ
easat-2280	255	31	p	p	X
easat-2280	255	32	<	<	X
easat-2280	255	33	0.05	0.05	NUM
easat-2280	255	34	.	.	PUNCT
easat-2280	256	1	personality	personality	NOUN
easat-2280	256	2	traits	trait	NOUN
easat-2280	256	3	therefore	therefore	ADV
easat-2280	256	4	positively	positively	ADV
easat-2280	256	5	affect	affect	VERB
easat-2280	256	6	financial	financial	ADJ
easat-2280	256	7	attitude	attitude	NOUN
easat-2280	256	8	(	(	PUNCT
easat-2280	256	9	t	t	NOUN
easat-2280	256	10	=	=	PUNCT
easat-2280	256	11	3.205	3.205	NUM
easat-2280	256	12	,	,	PUNCT
easat-2280	256	13	p	p	X
easat-2280	256	14	<	<	X
easat-2280	256	15	0.001	0.001	NUM
easat-2280	256	16	)	)	PUNCT
easat-2280	256	17	and	and	CCONJ
easat-2280	256	18	family	family	NOUN
easat-2280	256	19	financial	financial	ADJ
easat-2280	256	20	planning	planning	NOUN
easat-2280	256	21	(	(	PUNCT
easat-2280	256	22	t	t	NOUN
easat-2280	256	23	=	=	SYM
easat-2280	256	24	3.111	3.111	NUM
easat-2280	256	25	,	,	PUNCT
easat-2280	256	26	p	p	X
easat-2280	256	27	<	<	X
easat-2280	256	28	0.001	0.001	NUM
easat-2280	256	29	)	)	PUNCT
easat-2280	256	30	though	though	SCONJ
easat-2280	256	31	they	they	PRON
easat-2280	256	32	were	be	AUX
easat-2280	256	33	found	find	VERB
easat-2280	256	34	to	to	PART
easat-2280	256	35	negatively	negatively	ADV
easat-2280	256	36	affect	affect	VERB
easat-2280	256	37	self	self	NOUN
easat-2280	256	38	-	-	PUNCT
easat-2280	256	39	savings	saving	NOUN
easat-2280	256	40	orientation	orientation	NOUN
easat-2280	256	41	but	but	CCONJ
easat-2280	256	42	insignificantly	insignificantly	ADV
easat-2280	256	43	so	so	ADV
easat-2280	256	44	(	(	PUNCT
easat-2280	256	45	t	t	NOUN
easat-2280	256	46	=	=	SYM
easat-2280	256	47	-1.676	-1.676	PROPN
easat-2280	256	48	,	,	PUNCT
easat-2280	256	49	p	p	X
easat-2280	256	50	>	>	X
easat-2280	256	51	0	0	NUM
easat-2280	256	52	.05	.05	NUM
easat-2280	256	53	)	)	PUNCT
easat-2280	256	54	.	.	PUNCT
easat-2280	257	1	on	on	ADP
easat-2280	257	2	the	the	DET
easat-2280	257	3	other	other	ADJ
easat-2280	257	4	hand	hand	NOUN
easat-2280	257	5	,	,	PUNCT
easat-2280	257	6	the	the	DET
easat-2280	257	7	results	result	NOUN
easat-2280	257	8	show	show	VERB
easat-2280	257	9	that	that	SCONJ
easat-2280	257	10	financial	financial	ADJ
easat-2280	257	11	literacy	literacy	NOUN
easat-2280	257	12	has	have	VERB
easat-2280	257	13	a	a	DET
easat-2280	257	14	strong	strong	ADJ
easat-2280	257	15	and	and	CCONJ
easat-2280	257	16	positive	positive	ADJ
easat-2280	257	17	relationship	relationship	NOUN
easat-2280	257	18	and	and	CCONJ
easat-2280	257	19	influence	influence	NOUN
easat-2280	257	20	on	on	ADP
easat-2280	257	21	financial	financial	ADJ
easat-2280	257	22	attitude	attitude	NOUN
easat-2280	257	23	(	(	PUNCT
easat-2280	257	24	r	r	NOUN
easat-2280	257	25	=	=	NOUN
easat-2280	257	26	0.682	0.682	NUM
easat-2280	257	27	p	p	X
easat-2280	257	28	<	<	X
easat-2280	257	29	0.001	0.001	NUM
easat-2280	257	30	)	)	PUNCT
easat-2280	257	31	as	as	ADV
easat-2280	257	32	well	well	ADV
easat-2280	257	33	as	as	ADP
easat-2280	257	34	family	family	NOUN
easat-2280	257	35	financial	financial	ADJ
easat-2280	257	36	planning	planning	NOUN
easat-2280	257	37	(	(	PUNCT
easat-2280	257	38	r	r	NOUN
easat-2280	257	39	=	=	PUNCT
easat-2280	257	40	0.340	0.340	NUM
easat-2280	257	41	p	p	X
easat-2280	257	42	<	<	X
easat-2280	257	43	0.001	0.001	NUM
easat-2280	257	44	)	)	PUNCT
easat-2280	257	45	,	,	PUNCT
easat-2280	257	46	reinforcement	reinforcement	NOUN
easat-2280	257	47	of	of	ADP
easat-2280	257	48	its	its	PRON
easat-2280	257	49	importance	importance	NOUN
easat-2280	257	50	in	in	ADP
easat-2280	257	51	improving	improve	VERB
easat-2280	257	52	financial	financial	ADJ
easat-2280	257	53	decisions	decision	NOUN
easat-2280	257	54	.	.	PUNCT
easat-2280	258	1	the	the	DET
easat-2280	258	2	result	result	NOUN
easat-2280	258	3	shows	show	VERB
easat-2280	258	4	that	that	SCONJ
easat-2280	258	5	there	there	PRON
easat-2280	258	6	is	be	VERB
easat-2280	258	7	a	a	DET
easat-2280	258	8	positive	positive	ADJ
easat-2280	258	9	but	but	CCONJ
easat-2280	258	10	insignificant	insignificant	ADJ
easat-2280	258	11	impact	impact	NOUN
easat-2280	258	12	on	on	ADP
easat-2280	258	13	personal	personal	ADJ
easat-2280	258	14	saving	saving	NOUN
easat-2280	258	15	orientation	orientation	NOUN
easat-2280	258	16	(	(	PUNCT
easat-2280	258	17	mean	mean	NOUN
easat-2280	258	18	=	=	NUM
easat-2280	258	19	0.106	0.106	NUM
easat-2280	258	20	,	,	PUNCT
easat-2280	258	21	and	and	CCONJ
easat-2280	258	22	p	p	X
easat-2280	258	23	>	>	X
easat-2280	258	24	0.05	0.05	NUM
easat-2280	258	25	)	)	PUNCT
easat-2280	258	26	.	.	PUNCT
easat-2280	259	1	table	table	NOUN
easat-2280	259	2	3	3	NUM
easat-2280	259	3	.	.	PUNCT
easat-2280	260	1	analisis	analisis	ADJ
easat-2280	260	2	variabel	variabel	PROPN
easat-2280	260	3	moderasi	moderasi	PROPN
easat-2280	260	4	variabel	variabel	PROPN
easat-2280	260	5	original	original	PROPN
easat-2280	260	6	-	-	PUNCT
easat-2280	260	7	sample	sample	NOUN
easat-2280	260	8	(	(	PUNCT
easat-2280	260	9	o	o	NOUN
easat-2280	260	10	)	)	PUNCT
easat-2280	260	11	t	t	PROPN
easat-2280	260	12	-	-	PUNCT
easat-2280	260	13	statistics	statistic	NOUN
easat-2280	260	14	p	p	NOUN
easat-2280	260	15	-	-	PUNCT
easat-2280	260	16	values	value	NOUN
easat-2280	260	17	x1	x1	NOUN
easat-2280	260	18	-	-	PUNCT
easat-2280	260	19	>	>	X
easat-2280	260	20	financial	financial	ADJ
easat-2280	260	21	attitude	attitude	NOUN
easat-2280	260	22	(	(	PUNCT
easat-2280	260	23	y1	y1	INTJ
easat-2280	260	24	)	)	PUNCT
easat-2280	260	25	-0,041	-0,041	VERB
easat-2280	260	26	1,040	1,040	NUM
easat-2280	260	27	0,149	0,149	NUM
easat-2280	260	28	x1	x1	PROPN
easat-2280	260	29	-	-	PUNCT
easat-2280	260	30	>	>	X
easat-2280	260	31	personal	personal	ADJ
easat-2280	260	32	saving	saving	NOUN
easat-2280	260	33	orientation	orientation	NOUN
easat-2280	260	34	(	(	PUNCT
easat-2280	260	35	y2	y2	PROPN
easat-2280	260	36	)	)	PUNCT
easat-2280	260	37	-0,159	-0,159	PART
easat-2280	261	1	0,883	0,883	NUM
easat-2280	261	2	0,189	0,189	NUM
easat-2280	261	3	x1	x1	PROPN
easat-2280	261	4	-	-	PUNCT
easat-2280	261	5	>	>	X
easat-2280	261	6	family	family	NOUN
easat-2280	261	7	financial	financial	ADJ
easat-2280	261	8	planning	planning	NOUN
easat-2280	261	9	(	(	PUNCT
easat-2280	261	10	y3	y3	PROPN
easat-2280	261	11	)	)	PUNCT
easat-2280	261	12	-0,107	-0,107	PROPN
easat-2280	261	13	0,937	0,937	NUM
easat-2280	261	14	0,175	0,175	NUM
easat-2280	262	1	x2	x2	PROPN
easat-2280	262	2	-	-	PUNCT
easat-2280	262	3	>	>	X
easat-2280	262	4	financial	financial	ADJ
easat-2280	262	5	attitude	attitude	NOUN
easat-2280	262	6	(	(	PUNCT
easat-2280	262	7	y1	y1	NOUN
easat-2280	262	8	)	)	PUNCT
easat-2280	262	9	-0,002	-0,002	NOUN
easat-2280	262	10	0,039	0,039	NUM
easat-2280	262	11	0,484	0,484	NUM
easat-2280	262	12	x2	x2	PROPN
easat-2280	262	13	-	-	PUNCT
easat-2280	262	14	>	>	X
easat-2280	262	15	personal	personal	ADJ
easat-2280	262	16	saving	saving	NOUN
easat-2280	262	17	orientation	orientation	NOUN
easat-2280	262	18	(	(	PUNCT
easat-2280	262	19	y2	y2	PROPN
easat-2280	262	20	)	)	PUNCT
easat-2280	262	21	-0,106	-0,106	NOUN
easat-2280	262	22	1,019	1,019	NUM
easat-2280	262	23	0,154	0,154	NUM
easat-2280	262	24	x2	x2	PROPN
easat-2280	262	25	-	-	PUNCT
easat-2280	262	26	>	>	X
easat-2280	262	27	family	family	NOUN
easat-2280	262	28	financial	financial	ADJ
easat-2280	262	29	planning	planning	NOUN
easat-2280	262	30	(	(	PUNCT
easat-2280	262	31	y3	y3	NOUN
easat-2280	262	32	)	)	PUNCT
easat-2280	262	33	-0,088	-0,088	NOUN
easat-2280	262	34	0,814	0,814	NUM
easat-2280	262	35	0,208	0,208	NUM
easat-2280	262	36	x3	x3	ADJ
easat-2280	262	37	-	-	PUNCT
easat-2280	262	38	>	>	X
easat-2280	262	39	financial	financial	ADJ
easat-2280	262	40	attitude	attitude	NOUN
easat-2280	262	41	(	(	PUNCT
easat-2280	262	42	y1	y1	NOUN
easat-2280	262	43	)	)	PUNCT
easat-2280	262	44	0,016	0,016	NUM
easat-2280	262	45	0,395	0,395	NUM
easat-2280	262	46	0,347	0,347	NUM
easat-2280	262	47	x3	x3	PROPN
easat-2280	262	48	-	-	PUNCT
easat-2280	262	49	>	>	X
easat-2280	262	50	personal	personal	ADJ
easat-2280	262	51	saving	saving	NOUN
easat-2280	262	52	orientation	orientation	NOUN
easat-2280	262	53	(	(	PUNCT
easat-2280	262	54	y2	y2	PROPN
easat-2280	262	55	)	)	PUNCT
easat-2280	262	56	-0,157	-0,157	NOUN
easat-2280	262	57	1,046	1,046	NUM
easat-2280	262	58	0,148	0,148	NUM
easat-2280	262	59	x3	x3	PROPN
easat-2280	262	60	-	-	PUNCT
easat-2280	262	61	>	>	X
easat-2280	262	62	family	family	NOUN
easat-2280	262	63	financial	financial	ADJ
easat-2280	262	64	planning	planning	NOUN
easat-2280	262	65	(	(	PUNCT
easat-2280	262	66	y3	y3	NOUN
easat-2280	262	67	)	)	PUNCT
easat-2280	262	68	-0,049	-0,049	PROPN
easat-2280	262	69	0,556	0,556	NUM
easat-2280	262	70	0,289	0,289	NUM
easat-2280	262	71	4.3	4.3	NUM
easat-2280	262	72	.	.	PUNCT
easat-2280	263	1	financial	financial	ADJ
easat-2280	263	2	quotient	quotient	NOUN
easat-2280	263	3	as	as	ADP
easat-2280	263	4	a	a	DET
easat-2280	263	5	moderator	moderator	NOUN
easat-2280	263	6	according	accord	VERB
easat-2280	263	7	to	to	ADP
easat-2280	263	8	the	the	DET
easat-2280	263	9	moderation	moderation	NOUN
easat-2280	263	10	analysis	analysis	NOUN
easat-2280	263	11	,	,	PUNCT
easat-2280	263	12	it	it	PRON
easat-2280	263	13	is	be	AUX
easat-2280	263	14	realised	realise	VERB
easat-2280	263	15	that	that	SCONJ
easat-2280	263	16	the	the	DET
easat-2280	263	17	‘	'	PUNCT
easat-2280	263	18	’	'	PUNCT
easat-2280	263	19	moderation	moderation	NOUN
easat-2280	263	20	’’	’'	PUNCT
easat-2280	263	21	does	do	AUX
easat-2280	263	22	not	not	PART
easat-2280	263	23	influence	influence	VERB
easat-2280	263	24	the	the	DET
easat-2280	263	25	associations	association	NOUN
easat-2280	263	26	between	between	ADP
easat-2280	263	27	financial	financial	ADJ
easat-2280	263	28	technology	technology	NOUN
easat-2280	263	29	and	and	CCONJ
easat-2280	263	30	financial	financial	ADJ
easat-2280	263	31	attitude	attitude	NOUN
easat-2280	263	32	,	,	PUNCT
easat-2280	263	33	personal	personal	ADJ
easat-2280	263	34	saving	saving	NOUN
easat-2280	263	35	orientation	orientation	NOUN
easat-2280	263	36	,	,	PUNCT
easat-2280	263	37	and	and	CCONJ
easat-2280	263	38	the	the	DET
easat-2280	263	39	1589	1589	NUM
easat-2280	263	40	edelweiss	edelweiss	PROPN
easat-2280	263	41	applied	apply	VERB
easat-2280	263	42	science	science	NOUN
easat-2280	263	43	and	and	CCONJ
easat-2280	263	44	technology	technology	NOUN
easat-2280	263	45	issn	issn	PROPN
easat-2280	263	46	:	:	PUNCT
easat-2280	263	47	2576	2576	NUM
easat-2280	263	48	-	-	SYM
easat-2280	263	49	8484	8484	NUM
easat-2280	263	50	vol	vol	NOUN
easat-2280	263	51	.	.	PROPN
easat-2280	263	52	8	8	NUM
easat-2280	263	53	,	,	PUNCT
easat-2280	263	54	no	no	INTJ
easat-2280	263	55	.	.	NOUN
easat-2280	263	56	6	6	NUM
easat-2280	263	57	:	:	SYM
easat-2280	263	58	1577	1577	NUM
easat-2280	263	59	-	-	SYM
easat-2280	263	60	1597	1597	NUM
easat-2280	263	61	,	,	PUNCT
easat-2280	263	62	2024	2024	NUM
easat-2280	263	63	doi	doi	NOUN
easat-2280	263	64	:	:	PUNCT
easat-2280	263	65	10.55214/25768484.v8i6.2280	10.55214/25768484.v8i6.2280	NUM
easat-2280	263	66	©	©	PROPN
easat-2280	263	67	2024	2024	NUM
easat-2280	263	68	by	by	ADP
easat-2280	263	69	the	the	DET
easat-2280	263	70	authors	author	NOUN
easat-2280	263	71	;	;	PUNCT
easat-2280	263	72	licensee	licensee	PROPN
easat-2280	263	73	learning	learn	VERB
easat-2280	263	74	gate	gate	PROPN
easat-2280	263	75	family	family	PROPN
easat-2280	263	76	financial	financial	ADJ
easat-2280	263	77	planning	planning	NOUN
easat-2280	263	78	as	as	ADP
easat-2280	263	79	the	the	DET
easat-2280	263	80	p	p	NOUN
easat-2280	263	81	-	-	PUNCT
easat-2280	263	82	values	value	NOUN
easat-2280	263	83	above	above	ADP
easat-2280	263	84	0.05	0.05	NUM
easat-2280	263	85	.	.	PUNCT
easat-2280	264	1	accordingly	accordingly	ADV
easat-2280	264	2	,	,	PUNCT
easat-2280	264	3	this	this	PRON
easat-2280	264	4	implies	imply	VERB
easat-2280	264	5	that	that	SCONJ
easat-2280	264	6	though	though	SCONJ
easat-2280	264	7	financial	financial	ADJ
easat-2280	264	8	quotient	quotient	NOUN
easat-2280	264	9	may	may	AUX
easat-2280	264	10	moderate	moderate	VERB
easat-2280	264	11	the	the	DET
easat-2280	264	12	results	result	NOUN
easat-2280	264	13	,	,	PUNCT
easat-2280	264	14	it	it	PRON
easat-2280	264	15	does	do	AUX
easat-2280	264	16	not	not	PART
easat-2280	264	17	come	come	VERB
easat-2280	264	18	as	as	ADP
easat-2280	264	19	a	a	DET
easat-2280	264	20	dominant	dominant	ADJ
easat-2280	264	21	factor	factor	NOUN
easat-2280	264	22	to	to	PART
easat-2280	264	23	improve	improve	VERB
easat-2280	264	24	the	the	DET
easat-2280	264	25	impact	impact	NOUN
easat-2280	264	26	of	of	ADP
easat-2280	264	27	financial	financial	ADJ
easat-2280	264	28	technology	technology	NOUN
easat-2280	264	29	,	,	PUNCT
easat-2280	264	30	personality	personality	NOUN
easat-2280	264	31	and	and	CCONJ
easat-2280	264	32	financial	financial	ADJ
easat-2280	264	33	literacy	literacy	NOUN
easat-2280	264	34	on	on	ADP
easat-2280	264	35	financial	financial	ADJ
easat-2280	264	36	performance	performance	NOUN
easat-2280	264	37	.	.	PUNCT
easat-2280	265	1	4.4	4.4	NUM
easat-2280	265	2	.	.	PUNCT
easat-2280	265	3	discussion	discussion	NOUN
easat-2280	265	4	of	of	ADP
easat-2280	265	5	key	key	ADJ
easat-2280	265	6	findings	finding	NOUN
easat-2280	265	7	4.4.1	4.4.1	NUM
easat-2280	265	8	.	.	PUNCT
easat-2280	266	1	influence	influence	NOUN
easat-2280	266	2	of	of	ADP
easat-2280	266	3	financial	financial	ADJ
easat-2280	266	4	technology	technology	NOUN
easat-2280	266	5	the	the	DET
easat-2280	266	6	results	result	NOUN
easat-2280	266	7	showed	show	VERB
easat-2280	266	8	that	that	SCONJ
easat-2280	266	9	financial	financial	ADJ
easat-2280	266	10	technology	technology	NOUN
easat-2280	266	11	has	have	VERB
easat-2280	266	12	a	a	DET
easat-2280	266	13	statistically	statistically	ADV
easat-2280	266	14	insignificant	insignificant	ADJ
easat-2280	266	15	positive	positive	ADJ
easat-2280	266	16	effect	effect	NOUN
easat-2280	266	17	on	on	ADP
easat-2280	266	18	financial	financial	ADJ
easat-2280	266	19	attitudes	attitude	NOUN
easat-2280	266	20	(	(	PUNCT
easat-2280	266	21	coefficient	coefficient	NOUN
easat-2280	266	22	=	=	NOUN
easat-2280	266	23	0.010	0.010	NUM
easat-2280	266	24	)	)	PUNCT
easat-2280	266	25	.	.	PUNCT
easat-2280	267	1	this	this	PRON
easat-2280	267	2	means	mean	VERB
easat-2280	267	3	that	that	SCONJ
easat-2280	267	4	even	even	ADV
easat-2280	267	5	though	though	SCONJ
easat-2280	267	6	financial	financial	ADJ
easat-2280	267	7	technology	technology	NOUN
easat-2280	267	8	may	may	AUX
easat-2280	267	9	offer	offer	VERB
easat-2280	267	10	some	some	DET
easat-2280	267	11	methods	method	NOUN
easat-2280	267	12	of	of	ADP
easat-2280	267	13	effective	effective	ADJ
easat-2280	267	14	utilization	utilization	NOUN
easat-2280	267	15	of	of	ADP
easat-2280	267	16	money	money	NOUN
easat-2280	267	17	,	,	PUNCT
easat-2280	267	18	it	it	PRON
easat-2280	267	19	does	do	AUX
easat-2280	267	20	not	not	PART
easat-2280	267	21	actually	actually	ADV
easat-2280	267	22	make	make	VERB
easat-2280	267	23	any	any	DET
easat-2280	267	24	changes	change	NOUN
easat-2280	267	25	in	in	ADP
easat-2280	267	26	the	the	DET
easat-2280	267	27	overall	overall	ADJ
easat-2280	267	28	perceptions	perception	NOUN
easat-2280	267	29	of	of	ADP
easat-2280	267	30	members	member	NOUN
easat-2280	267	31	of	of	ADP
easat-2280	267	32	naval	naval	ADJ
easat-2280	267	33	forces	force	NOUN
easat-2280	267	34	on	on	ADP
easat-2280	267	35	finances	finance	NOUN
easat-2280	267	36	.	.	PUNCT
easat-2280	268	1	this	this	DET
easat-2280	268	2	result	result	NOUN
easat-2280	268	3	differs	differ	VERB
easat-2280	268	4	from	from	ADP
easat-2280	268	5	other	other	ADJ
easat-2280	268	6	investigations	investigation	NOUN
easat-2280	268	7	that	that	PRON
easat-2280	268	8	revealed	reveal	VERB
easat-2280	268	9	that	that	SCONJ
easat-2280	268	10	the	the	DET
easat-2280	268	11	level	level	NOUN
easat-2280	268	12	of	of	ADP
easat-2280	268	13	associability	associability	NOUN
easat-2280	268	14	between	between	ADP
easat-2280	268	15	technologized	technologize	VERB
easat-2280	268	16	usage	usage	NOUN
easat-2280	268	17	and	and	CCONJ
easat-2280	268	18	financial	financial	ADJ
easat-2280	268	19	attitudes	attitude	NOUN
easat-2280	268	20	is	be	AUX
easat-2280	268	21	higher	high	ADJ
easat-2280	268	22	,	,	PUNCT
easat-2280	268	23	which	which	PRON
easat-2280	268	24	means	mean	VERB
easat-2280	268	25	that	that	SCONJ
easat-2280	268	26	other	other	ADJ
easat-2280	268	27	factors	factor	NOUN
easat-2280	268	28	can	can	AUX
easat-2280	268	29	be	be	AUX
easat-2280	268	30	considered	consider	VERB
easat-2280	268	31	to	to	PART
easat-2280	268	32	be	be	AUX
easat-2280	268	33	dominant	dominant	ADJ
easat-2280	268	34	in	in	ADP
easat-2280	268	35	this	this	DET
easat-2280	268	36	case	case	NOUN
easat-2280	268	37	.	.	PUNCT
easat-2280	269	1	4.4.2	4.4.2	X
easat-2280	269	2	.	.	PUNCT
easat-2280	270	1	impact	impact	NOUN
easat-2280	270	2	on	on	ADP
easat-2280	270	3	personal	personal	ADJ
easat-2280	270	4	saving	saving	NOUN
easat-2280	270	5	orientation	orientation	NOUN
easat-2280	270	6	the	the	DET
easat-2280	270	7	result	result	NOUN
easat-2280	270	8	with	with	ADP
easat-2280	270	9	a	a	DET
easat-2280	270	10	negative	negative	ADJ
easat-2280	270	11	sign	sign	NOUN
easat-2280	270	12	(	(	PUNCT
easat-2280	270	13	-0	-0	INTJ
easat-2280	270	14	.	.	X
easat-2280	270	15	094	094	NUM
easat-2280	270	16	)	)	PUNCT
easat-2280	270	17	also	also	ADV
easat-2280	270	18	supports	support	VERB
easat-2280	270	19	the	the	DET
easat-2280	270	20	hypothesis	hypothesis	NOUN
easat-2280	270	21	that	that	SCONJ
easat-2280	270	22	the	the	DET
easat-2280	270	23	impact	impact	NOUN
easat-2280	270	24	of	of	ADP
easat-2280	270	25	financial	financial	ADJ
easat-2280	270	26	technology	technology	NOUN
easat-2280	270	27	on	on	ADP
easat-2280	270	28	personal	personal	ADJ
easat-2280	270	29	saving	saving	NOUN
easat-2280	270	30	orientation	orientation	NOUN
easat-2280	270	31	is	be	AUX
easat-2280	270	32	weak	weak	ADJ
easat-2280	270	33	and	and	CCONJ
easat-2280	270	34	in	in	ADP
easat-2280	270	35	the	the	DET
easat-2280	270	36	negative	negative	ADJ
easat-2280	270	37	direction	direction	NOUN
easat-2280	270	38	.	.	PUNCT
easat-2280	271	1	this	this	DET
easat-2280	271	2	finding	finding	NOUN
easat-2280	271	3	suggest	suggest	VERB
easat-2280	271	4	that	that	SCONJ
easat-2280	271	5	the	the	DET
easat-2280	271	6	increased	increase	VERB
easat-2280	271	7	use	use	NOUN
easat-2280	271	8	of	of	ADP
easat-2280	271	9	financial	financial	ADJ
easat-2280	271	10	technology	technology	NOUN
easat-2280	271	11	may	may	AUX
easat-2280	271	12	not	not	PART
easat-2280	271	13	enhances	enhance	VERB
easat-2280	271	14	effective	effective	ADJ
easat-2280	271	15	saving	saving	NOUN
easat-2280	271	16	habits	habit	NOUN
easat-2280	271	17	in	in	ADP
easat-2280	271	18	naval	naval	ADJ
easat-2280	271	19	personnel	personnel	NOUN
easat-2280	271	20	as	as	SCONJ
easat-2280	271	21	it	it	PRON
easat-2280	271	22	may	may	AUX
easat-2280	271	23	create	create	VERB
easat-2280	271	24	the	the	DET
easat-2280	271	25	impression	impression	NOUN
easat-2280	271	26	that	that	SCONJ
easat-2280	271	27	they	they	PRON
easat-2280	271	28	are	be	AUX
easat-2280	271	29	able	able	ADJ
easat-2280	271	30	to	to	PART
easat-2280	271	31	spend	spend	VERB
easat-2280	271	32	more	more	ADJ
easat-2280	271	33	with	with	ADP
easat-2280	271	34	easy	easy	ADJ
easat-2280	271	35	access	access	NOUN
easat-2280	271	36	to	to	ADP
easat-2280	271	37	financial	financial	ADJ
easat-2280	271	38	services	service	NOUN
easat-2280	271	39	.	.	PUNCT
easat-2280	272	1	4.4.3	4.4.3	NUM
easat-2280	272	2	.	.	PUNCT
easat-2280	272	3	significant	significant	ADJ
easat-2280	272	4	role	role	NOUN
easat-2280	272	5	in	in	ADP
easat-2280	272	6	family	family	NOUN
easat-2280	272	7	financial	financial	ADJ
easat-2280	272	8	planning	planning	NOUN
easat-2280	272	9	financial	financial	ADJ
easat-2280	272	10	technology	technology	NOUN
easat-2280	272	11	also	also	ADV
easat-2280	272	12	revealed	reveal	VERB
easat-2280	272	13	positive	positive	ADJ
easat-2280	272	14	and	and	CCONJ
easat-2280	272	15	substantial	substantial	ADJ
easat-2280	272	16	impact	impact	NOUN
easat-2280	272	17	on	on	ADP
easat-2280	272	18	the	the	DET
easat-2280	272	19	family	family	NOUN
easat-2280	272	20	’s	’s	PART
easat-2280	272	21	financial	financial	ADJ
easat-2280	272	22	planning	planning	NOUN
easat-2280	272	23	where	where	SCONJ
easat-2280	272	24	the	the	DET
easat-2280	272	25	coefficient	coefficient	NOUN
easat-2280	272	26	was	be	AUX
easat-2280	272	27	0.306	0.306	NOUN
easat-2280	272	28	.	.	PUNCT
easat-2280	273	1	this	this	PRON
easat-2280	273	2	means	mean	VERB
easat-2280	273	3	that	that	SCONJ
easat-2280	273	4	,	,	PUNCT
easat-2280	273	5	although	although	SCONJ
easat-2280	273	6	technology	technology	NOUN
easat-2280	273	7	does	do	AUX
easat-2280	273	8	not	not	PART
easat-2280	273	9	impact	impact	VERB
easat-2280	273	10	on	on	ADP
easat-2280	273	11	attitudes	attitude	NOUN
easat-2280	273	12	,	,	PUNCT
easat-2280	273	13	it	it	PRON
easat-2280	273	14	helps	help	VERB
easat-2280	273	15	families	family	NOUN
easat-2280	273	16	to	to	PART
easat-2280	273	17	improve	improve	VERB
easat-2280	273	18	the	the	DET
easat-2280	273	19	planning	planning	NOUN
easat-2280	273	20	of	of	ADP
easat-2280	273	21	their	their	PRON
easat-2280	273	22	finances	finance	NOUN
easat-2280	273	23	.	.	PUNCT
easat-2280	274	1	this	this	DET
easat-2280	274	2	assertion	assertion	NOUN
easat-2280	274	3	holds	hold	VERB
easat-2280	274	4	with	with	ADP
easat-2280	274	5	the	the	DET
easat-2280	274	6	truth	truth	NOUN
easat-2280	274	7	that	that	PRON
easat-2280	274	8	financial	financial	ADJ
easat-2280	274	9	technology	technology	NOUN
easat-2280	274	10	can	can	AUX
easat-2280	274	11	improve	improve	VERB
easat-2280	274	12	the	the	DET
easat-2280	274	13	way	way	NOUN
easat-2280	274	14	people	people	NOUN
easat-2280	274	15	make	make	VERB
easat-2280	274	16	decisions	decision	NOUN
easat-2280	274	17	and	and	CCONJ
easat-2280	274	18	financially	financially	ADV
easat-2280	274	19	plan	plan	NOUN
easat-2280	274	20	.	.	PUNCT
easat-2280	275	1	4.4.4	4.4.4	X
easat-2280	275	2	.	.	PUNCT
easat-2280	275	3	personality	personality	NOUN
easat-2280	275	4	traits	trait	NOUN
easat-2280	275	5	and	and	CCONJ
easat-2280	275	6	financial	financial	ADJ
easat-2280	275	7	attitude	attitude	NOUN
easat-2280	275	8	overall	overall	ADV
easat-2280	275	9	,	,	PUNCT
easat-2280	275	10	the	the	DET
easat-2280	275	11	analysis	analysis	NOUN
easat-2280	275	12	shows	show	VERB
easat-2280	275	13	the	the	DET
easat-2280	275	14	presence	presence	NOUN
easat-2280	275	15	of	of	ADP
easat-2280	275	16	positive	positive	ADJ
easat-2280	275	17	and	and	CCONJ
easat-2280	275	18	moderate	moderate	ADJ
easat-2280	275	19	correlation	correlation	NOUN
easat-2280	275	20	between	between	ADP
easat-2280	275	21	the	the	DET
easat-2280	275	22	dependent	dependent	ADJ
easat-2280	275	23	variable	variable	NOUN
easat-2280	275	24	and	and	CCONJ
easat-2280	275	25	personality	personality	NOUN
easat-2280	275	26	traits	trait	NOUN
easat-2280	275	27	,	,	PUNCT
easat-2280	275	28	more	more	ADV
easat-2280	275	29	specifically	specifically	ADV
easat-2280	275	30	,	,	PUNCT
easat-2280	275	31	the	the	DET
easat-2280	275	32	impact	impact	NOUN
easat-2280	275	33	of	of	ADP
easat-2280	275	34	the	the	DET
easat-2280	275	35	given	give	VERB
easat-2280	275	36	personality	personality	NOUN
easat-2280	275	37	characteristics	characteristic	NOUN
easat-2280	275	38	on	on	ADP
easat-2280	275	39	financial	financial	ADJ
easat-2280	275	40	attitudes	attitude	NOUN
easat-2280	275	41	(	(	PUNCT
easat-2280	275	42	coefficient	coefficient	NOUN
easat-2280	275	43	=	=	NOUN
easat-2280	275	44	0.306	0.306	NOUN
easat-2280	275	45	)	)	PUNCT
easat-2280	275	46	demonstrates	demonstrate	VERB
easat-2280	275	47	that	that	SCONJ
easat-2280	275	48	individual	individual	ADJ
easat-2280	275	49	personality	personality	NOUN
easat-2280	275	50	plays	play	VERB
easat-2280	275	51	an	an	DET
easat-2280	275	52	important	important	ADJ
easat-2280	275	53	role	role	NOUN
easat-2280	275	54	in	in	ADP
easat-2280	275	55	the	the	DET
easat-2280	275	56	sphere	sphere	NOUN
easat-2280	275	57	of	of	ADP
easat-2280	275	58	financial	financial	ADJ
easat-2280	275	59	decision	decision	NOUN
easat-2280	275	60	making	making	NOUN
easat-2280	275	61	.	.	PUNCT
easat-2280	276	1	this	this	PRON
easat-2280	276	2	indicates	indicate	VERB
easat-2280	276	3	that	that	SCONJ
easat-2280	276	4	there	there	PRON
easat-2280	276	5	is	be	VERB
easat-2280	276	6	need	need	NOUN
easat-2280	276	7	to	to	PART
easat-2280	276	8	gain	gain	VERB
easat-2280	276	9	knowledge	knowledge	NOUN
easat-2280	276	10	and	and	CCONJ
easat-2280	276	11	understand	understand	VERB
easat-2280	276	12	the	the	DET
easat-2280	276	13	personality	personality	NOUN
easat-2280	276	14	traits	trait	NOUN
easat-2280	276	15	of	of	ADP
easat-2280	276	16	the	the	DET
easat-2280	276	17	naval	naval	ADJ
easat-2280	276	18	personnel	personnel	NOUN
easat-2280	276	19	in	in	ADP
easat-2280	276	20	the	the	DET
easat-2280	276	21	development	development	NOUN
easat-2280	276	22	of	of	ADP
easat-2280	276	23	proper	proper	ADJ
easat-2280	276	24	financial	financial	ADJ
easat-2280	276	25	education	education	NOUN
easat-2280	276	26	programs	program	NOUN
easat-2280	276	27	for	for	ADP
easat-2280	276	28	them	they	PRON
easat-2280	276	29	.	.	PUNCT
easat-2280	277	1	4.4.5	4.4.5	X
easat-2280	277	2	.	.	PUNCT
easat-2280	278	1	financial	financial	ADJ
easat-2280	278	2	literacy	literacy	NOUN
easat-2280	278	3	as	as	ADP
easat-2280	278	4	a	a	DET
easat-2280	278	5	key	key	ADJ
easat-2280	278	6	factor	factor	NOUN
easat-2280	278	7	strong	strong	ADJ
easat-2280	278	8	and	and	CCONJ
easat-2280	278	9	positive	positive	ADJ
easat-2280	278	10	significant	significant	ADJ
easat-2280	278	11	relationship	relationship	NOUN
easat-2280	278	12	was	be	AUX
easat-2280	278	13	found	find	VERB
easat-2280	278	14	between	between	ADP
easat-2280	278	15	financial	financial	ADJ
easat-2280	278	16	literacy	literacy	NOUN
easat-2280	278	17	and	and	CCONJ
easat-2280	278	18	financial	financial	ADJ
easat-2280	278	19	attitude	attitude	NOUN
easat-2280	278	20	where	where	SCONJ
easat-2280	278	21	the	the	DET
easat-2280	278	22	coefficient	coefficient	NOUN
easat-2280	278	23	was	be	AUX
easat-2280	278	24	0.682	0.682	NUM
easat-2280	278	25	which	which	PRON
easat-2280	278	26	signifies	signify	VERB
easat-2280	278	27	that	that	SCONJ
easat-2280	278	28	education	education	NOUN
easat-2280	278	29	plays	play	VERB
easat-2280	278	30	an	an	DET
easat-2280	278	31	important	important	ADJ
easat-2280	278	32	role	role	NOUN
easat-2280	278	33	in	in	ADP
easat-2280	278	34	the	the	DET
easat-2280	278	35	formation	formation	NOUN
easat-2280	278	36	of	of	ADP
easat-2280	278	37	financial	financial	ADJ
easat-2280	278	38	behaviours	behaviour	NOUN
easat-2280	278	39	.	.	PUNCT
easat-2280	279	1	hence	hence	ADV
easat-2280	279	2	,	,	PUNCT
easat-2280	279	3	the	the	DET
easat-2280	279	4	need	need	NOUN
easat-2280	279	5	for	for	ADP
easat-2280	279	6	stakeholders	stakeholder	NOUN
easat-2280	279	7	with	with	ADP
easat-2280	279	8	an	an	DET
easat-2280	279	9	intention	intention	NOUN
easat-2280	279	10	to	to	PART
easat-2280	279	11	bring	bring	VERB
easat-2280	279	12	positive	positive	ADJ
easat-2280	279	13	changes	change	NOUN
easat-2280	279	14	to	to	ADP
easat-2280	279	15	the	the	DET
easat-2280	279	16	financial	financial	ADJ
easat-2280	279	17	attitudes	attitude	NOUN
easat-2280	279	18	and	and	CCONJ
easat-2280	279	19	financial	financial	ADJ
easat-2280	279	20	behaviors	behavior	NOUN
easat-2280	279	21	of	of	ADP
easat-2280	279	22	naval	naval	ADJ
easat-2280	279	23	personnel	personnel	NOUN
easat-2280	279	24	should	should	AUX
easat-2280	279	25	place	place	VERB
easat-2280	279	26	much	much	ADJ
easat-2280	279	27	emphasis	emphasis	NOUN
easat-2280	279	28	on	on	ADP
easat-2280	279	29	financial	financial	ADJ
easat-2280	279	30	literacy	literacy	NOUN
easat-2280	279	31	.	.	PUNCT
easat-2280	280	1	4.4.6	4.4.6	X
easat-2280	280	2	.	.	PUNCT
easat-2280	281	1	moderating	moderate	VERB
easat-2280	281	2	effects	effect	NOUN
easat-2280	281	3	of	of	ADP
easat-2280	281	4	financial	financial	ADJ
easat-2280	281	5	quotient	quotient	NOUN
easat-2280	281	6	the	the	DET
easat-2280	281	7	results	result	NOUN
easat-2280	281	8	showed	show	VERB
easat-2280	281	9	that	that	SCONJ
easat-2280	281	10	the	the	DET
easat-2280	281	11	moderating	moderate	VERB
easat-2280	281	12	impact	impact	NOUN
easat-2280	281	13	of	of	ADP
easat-2280	281	14	the	the	DET
easat-2280	281	15	financial	financial	ADJ
easat-2280	281	16	quotient	quotient	NOUN
easat-2280	281	17	on	on	ADP
easat-2280	281	18	the	the	DET
easat-2280	281	19	relationships	relationship	NOUN
easat-2280	281	20	under	under	ADP
easat-2280	281	21	consideration	consideration	NOUN
easat-2280	281	22	was	be	AUX
easat-2280	281	23	negative	negative	ADJ
easat-2280	281	24	,	,	PUNCT
easat-2280	281	25	yet	yet	ADV
easat-2280	281	26	insignificant	insignificant	ADJ
easat-2280	281	27	.	.	PUNCT
easat-2280	282	1	this	this	PRON
easat-2280	282	2	means	mean	VERB
easat-2280	282	3	that	that	SCONJ
easat-2280	282	4	,	,	PUNCT
easat-2280	282	5	albeit	albeit	SCONJ
easat-2280	282	6	based	base	VERB
easat-2280	282	7	on	on	ADP
easat-2280	282	8	financial	financial	ADJ
easat-2280	282	9	quotient	quotient	NOUN
easat-2280	282	10	,	,	PUNCT
easat-2280	282	11	there	there	PRON
easat-2280	282	12	is	be	VERB
easat-2280	282	13	no	no	DET
easat-2280	282	14	substantial	substantial	ADJ
easat-2280	282	15	modification	modification	NOUN
easat-2280	282	16	to	to	ADP
easat-2280	282	17	the	the	DET
easat-2280	282	18	discretionary	discretionary	ADJ
easat-2280	282	19	effect	effect	NOUN
easat-2280	282	20	of	of	ADP
easat-2280	282	21	financial	financial	ADJ
easat-2280	282	22	technology	technology	NOUN
easat-2280	282	23	or	or	CCONJ
easat-2280	282	24	personality	personality	NOUN
easat-2280	282	25	characteristics	characteristic	NOUN
easat-2280	282	26	on	on	ADP
easat-2280	282	27	financial	financial	ADJ
easat-2280	282	28	thinking	thinking	NOUN
easat-2280	282	29	as	as	ADV
easat-2280	282	30	well	well	ADV
easat-2280	282	31	as	as	ADP
easat-2280	282	32	planning	planning	NOUN
easat-2280	282	33	.	.	PUNCT
easat-2280	283	1	1590	1590	NUM
easat-2280	283	2	edelweiss	edelweiss	PROPN
easat-2280	283	3	applied	apply	VERB
easat-2280	283	4	science	science	NOUN
easat-2280	283	5	and	and	CCONJ
easat-2280	283	6	technology	technology	NOUN
easat-2280	283	7	issn	issn	PROPN
easat-2280	283	8	:	:	PUNCT
easat-2280	283	9	2576	2576	NUM
easat-2280	283	10	-	-	SYM
easat-2280	283	11	8484	8484	NUM
easat-2280	283	12	vol	vol	NOUN
easat-2280	283	13	.	.	PROPN
easat-2280	283	14	8	8	NUM
easat-2280	283	15	,	,	PUNCT
easat-2280	283	16	no	no	INTJ
easat-2280	283	17	.	.	NOUN
easat-2280	283	18	6	6	NUM
easat-2280	283	19	:	:	SYM
easat-2280	283	20	1577	1577	NUM
easat-2280	283	21	-	-	SYM
easat-2280	283	22	1597	1597	NUM
easat-2280	283	23	,	,	PUNCT
easat-2280	283	24	2024	2024	NUM
easat-2280	283	25	doi	doi	NOUN
easat-2280	283	26	:	:	PUNCT
easat-2280	283	27	10.55214/25768484.v8i6.2280	10.55214/25768484.v8i6.2280	NUM
easat-2280	283	28	©	©	PROPN
easat-2280	283	29	2024	2024	NUM
easat-2280	283	30	by	by	ADP
easat-2280	283	31	the	the	DET
easat-2280	283	32	authors	author	NOUN
easat-2280	283	33	;	;	PUNCT
easat-2280	283	34	licensee	licensee	PROPN
easat-2280	283	35	learning	learning	NOUN
easat-2280	283	36	gate	gate	NOUN
easat-2280	283	37	5	5	NUM
easat-2280	283	38	.	.	PUNCT
easat-2280	283	39	conclusion	conclusion	NOUN
easat-2280	283	40	and	and	CCONJ
easat-2280	283	41	recommendations	recommendation	NOUN
easat-2280	283	42	5.1	5.1	NUM
easat-2280	283	43	.	.	PUNCT
easat-2280	284	1	empirical	empirical	ADJ
easat-2280	284	2	results	result	NOUN
easat-2280	284	3	the	the	DET
easat-2280	284	4	research	research	NOUN
easat-2280	284	5	revealed	reveal	VERB
easat-2280	284	6	a	a	DET
easat-2280	284	7	number	number	NOUN
easat-2280	284	8	of	of	ADP
easat-2280	284	9	correlations	correlation	NOUN
easat-2280	284	10	between	between	ADP
easat-2280	284	11	the	the	DET
easat-2280	284	12	indicated	indicate	VERB
easat-2280	284	13	technological	technological	ADJ
easat-2280	284	14	solutions	solution	NOUN
easat-2280	284	15	,	,	PUNCT
easat-2280	284	16	personality	personality	NOUN
easat-2280	284	17	traits	trait	NOUN
easat-2280	284	18	,	,	PUNCT
easat-2280	284	19	and	and	CCONJ
easat-2280	284	20	financial	financial	ADJ
easat-2280	284	21	literacy	literacy	NOUN
easat-2280	284	22	concerning	concern	VERB
easat-2280	284	23	financial	financial	ADJ
easat-2280	284	24	perceptions	perception	NOUN
easat-2280	284	25	and	and	CCONJ
easat-2280	284	26	the	the	DET
easat-2280	284	27	family	family	NOUN
easat-2280	284	28	’s	’s	PART
easat-2280	284	29	financial	financial	ADJ
easat-2280	284	30	planning	planning	NOUN
easat-2280	284	31	among	among	ADP
easat-2280	284	32	the	the	DET
easat-2280	284	33	navy	navy	PROPN
easat-2280	284	34	personnel	personnel	NOUN
easat-2280	284	35	of	of	ADP
easat-2280	284	36	the	the	DET
easat-2280	284	37	hera	hera	PROPN
easat-2280	284	38	naval	naval	PROPN
easat-2280	284	39	base	base	NOUN
easat-2280	284	40	.	.	PUNCT
easat-2280	285	1	•	•	NOUN
easat-2280	285	2	this	this	DET
easat-2280	285	3	study	study	NOUN
easat-2280	285	4	affirmed	affirm	VERB
easat-2280	285	5	that	that	SCONJ
easat-2280	285	6	financial	financial	ADJ
easat-2280	285	7	technology	technology	NOUN
easat-2280	285	8	significantly	significantly	ADV
easat-2280	285	9	affected	affect	VERB
easat-2280	285	10	family	family	NOUN
easat-2280	285	11	financial	financial	ADJ
easat-2280	285	12	planning	planning	NOUN
easat-2280	285	13	(	(	PUNCT
easat-2280	285	14	coefficient	coefficient	NOUN
easat-2280	285	15	=	=	NOUN
easat-2280	285	16	0	0	NUM
easat-2280	285	17	.	.	NOUN
easat-2280	285	18	306	306	NUM
easat-2280	285	19	;	;	PUNCT
easat-2280	285	20	t	t	NOUN
easat-2280	285	21	-	-	PUNCT
easat-2280	285	22	statistic	statistic	NOUN
easat-2280	285	23	=	=	SYM
easat-2280	285	24	2	2	NUM
easat-2280	285	25	.	.	X
easat-2280	285	26	101	101	NUM
easat-2280	285	27	;	;	PUNCT
easat-2280	285	28	p	p	X
easat-2280	285	29	=	=	NOUN
easat-2280	285	30	0	0	PROPN
easat-2280	285	31	.	.	NOUN
easat-2280	285	32	036	036	X
easat-2280	285	33	)	)	PUNCT
easat-2280	285	34	suggesting	suggest	VERB
easat-2280	285	35	on	on	ADP
easat-2280	285	36	the	the	DET
easat-2280	285	37	capacities	capacity	NOUN
easat-2280	285	38	of	of	ADP
easat-2280	285	39	the	the	DET
easat-2280	285	40	tool	tool	NOUN
easat-2280	285	41	in	in	ADP
easat-2280	285	42	improving	improve	VERB
easat-2280	285	43	on	on	ADP
easat-2280	285	44	directions	direction	NOUN
easat-2280	285	45	of	of	ADP
easat-2280	285	46	choice	choice	NOUN
easat-2280	285	47	.	.	PUNCT
easat-2280	286	1	•	•	NUM
easat-2280	286	2	perceived	perceive	VERB
easat-2280	286	3	financial	financial	ADJ
easat-2280	286	4	attitude	attitude	NOUN
easat-2280	286	5	and	and	CCONJ
easat-2280	286	6	family	family	NOUN
easat-2280	286	7	financial	financial	ADJ
easat-2280	286	8	planning	planning	NOUN
easat-2280	286	9	were	be	AUX
easat-2280	286	10	findings	finding	NOUN
easat-2280	286	11	to	to	PART
easat-2280	286	12	be	be	AUX
easat-2280	286	13	significantly	significantly	ADV
easat-2280	286	14	affected	affect	VERB
easat-2280	286	15	by	by	ADP
easat-2280	286	16	personality	personality	NOUN
easat-2280	286	17	traits	trait	NOUN
easat-2280	286	18	with	with	ADP
easat-2280	286	19	the	the	DET
easat-2280	286	20	coefficient	coefficient	NOUN
easat-2280	286	21	value	value	NOUN
easat-2280	286	22	of	of	ADP
easat-2280	286	23	0	0	NUM
easat-2280	286	24	.	.	NOUN
easat-2280	286	25	306	306	NUM
easat-2280	286	26	for	for	ADP
easat-2280	286	27	perceived	perceive	VERB
easat-2280	286	28	financial	financial	ADJ
easat-2280	286	29	attitude	attitude	NOUN
easat-2280	286	30	,	,	PUNCT
easat-2280	286	31	0	0	NUM
easat-2280	286	32	.	.	NUM
easat-2280	286	33	294	294	NUM
easat-2280	286	34	for	for	ADP
easat-2280	286	35	family	family	NOUN
easat-2280	286	36	financial	financial	ADJ
easat-2280	286	37	planning	planning	NOUN
easat-2280	286	38	,	,	PUNCT
easat-2280	286	39	t	t	NOUN
easat-2280	286	40	-	-	PUNCT
easat-2280	286	41	statistic	statistic	NOUN
easat-2280	286	42	=	=	SYM
easat-2280	286	43	3	3	NUM
easat-2280	286	44	.	.	NUM
easat-2280	286	45	730	730	NUM
easat-2280	286	46	and	and	CCONJ
easat-2280	286	47	p	p	X
easat-2280	286	48	=	=	NOUN
easat-2280	286	49	0	0	NUM
easat-2280	286	50	.	.	NOUN
easat-2280	286	51	000	000	NUM
easat-2280	286	52	respectively	respectively	ADV
easat-2280	286	53	.	.	PUNCT
easat-2280	287	1	•	•	NUM
easat-2280	287	2	results	result	NOUN
easat-2280	287	3	also	also	ADV
easat-2280	287	4	revealed	reveal	VERB
easat-2280	287	5	that	that	SCONJ
easat-2280	287	6	financial	financial	ADJ
easat-2280	287	7	literacy	literacy	NOUN
easat-2280	287	8	had	have	VERB
easat-2280	287	9	positive	positive	ADJ
easat-2280	287	10	influence	influence	NOUN
easat-2280	287	11	on	on	ADP
easat-2280	287	12	financial	financial	ADJ
easat-2280	287	13	attitudes	attitude	NOUN
easat-2280	287	14	(	(	PUNCT
easat-2280	287	15	coefficient=	coefficient=	NUM
easat-2280	287	16	0	0	NUM
easat-2280	287	17	.	.	X
easat-2280	287	18	682	682	NUM
easat-2280	287	19	;	;	PUNCT
easat-2280	287	20	t	t	NOUN
easat-2280	287	21	-	-	PUNCT
easat-2280	287	22	statistc	statistc	NOUN
easat-2280	287	23	=	=	NOUN
easat-2280	287	24	20	20	NUM
easat-2280	287	25	.	.	PUNCT
easat-2280	287	26	345	345	NUM
easat-2280	287	27	;	;	PUNCT
easat-2280	287	28	p	p	X
easat-2280	287	29	=	=	PROPN
easat-2280	287	30	0	0	NUM
easat-2280	287	31	.	.	NOUN
easat-2280	287	32	000	000	NUM
easat-2280	287	33	)	)	PUNCT
easat-2280	287	34	and	and	CCONJ
easat-2280	287	35	family	family	NOUN
easat-2280	287	36	financial	financial	ADJ
easat-2280	287	37	planning	planning	NOUN
easat-2280	287	38	(	(	PUNCT
easat-2280	287	39	coefficient=	coefficient=	NUM
easat-2280	287	40	0	0	NUM
easat-2280	287	41	.	.	X
easat-2280	287	42	340	340	NUM
easat-2280	287	43	;	;	PUNCT
easat-2280	287	44	tstatistc=	tstatistc=	NUM
easat-2280	287	45	4	4	NUM
easat-2280	287	46	.	.	NOUN
easat-2280	287	47	274	274	NUM
easat-2280	287	48	;	;	PUNCT
easat-2280	287	49	p	p	X
easat-2280	287	50	=	=	NOUN
easat-2280	287	51	0	0	NUM
easat-2280	287	52	.	.	NOUN
easat-2280	287	53	000	000	NUM
easat-2280	287	54	)	)	PUNCT
easat-2280	287	55	that	that	PRON
easat-2280	287	56	confirmed	confirm	VERB
easat-2280	287	57	the	the	DET
easat-2280	287	58	importance	importance	NOUN
easat-2280	287	59	of	of	ADP
easat-2280	287	60	financial	financial	ADJ
easat-2280	287	61	literacy	literacy	NOUN
easat-2280	287	62	to	to	ADP
easat-2280	287	63	financial	financial	ADJ
easat-2280	287	64	behaviour	behaviour	NOUN
easat-2280	287	65	.	.	PUNCT
easat-2280	288	1	the	the	DET
easat-2280	288	2	preliminary	preliminary	ADJ
easat-2280	288	3	analysis	analysis	NOUN
easat-2280	288	4	of	of	ADP
easat-2280	288	5	the	the	DET
easat-2280	288	6	results	result	NOUN
easat-2280	288	7	indicated	indicate	VERB
easat-2280	288	8	that	that	SCONJ
easat-2280	288	9	financial	financial	ADJ
easat-2280	288	10	quotient	quotient	NOUN
easat-2280	288	11	has	have	VERB
easat-2280	288	12	a	a	DET
easat-2280	288	13	negative	negative	ADJ
easat-2280	288	14	but	but	CCONJ
easat-2280	288	15	nonsignificant	nonsignificant	ADJ
easat-2280	288	16	moderating	moderating	NOUN
easat-2280	288	17	effect	effect	NOUN
easat-2280	288	18	,	,	PUNCT
easat-2280	288	19	that	that	ADV
easat-2280	288	20	is	is	ADV
easat-2280	288	21	,	,	PUNCT
easat-2280	288	22	it	it	PRON
easat-2280	288	23	does	do	AUX
easat-2280	288	24	not	not	PART
easat-2280	288	25	qualify	qualify	VERB
easat-2280	288	26	the	the	DET
easat-2280	288	27	relationships	relationship	NOUN
easat-2280	288	28	examined	examine	VERB
easat-2280	288	29	in	in	ADP
easat-2280	288	30	the	the	DET
easat-2280	288	31	research	research	NOUN
easat-2280	288	32	.	.	PUNCT
easat-2280	289	1	5.2	5.2	NUM
easat-2280	289	2	.	.	PUNCT
easat-2280	289	3	implications	implication	NOUN
easat-2280	289	4	for	for	ADP
easat-2280	289	5	policymakers	policymaker	NOUN
easat-2280	289	6	•	•	NUM
easat-2280	289	7	by	by	ADP
easat-2280	289	8	drawing	draw	VERB
easat-2280	289	9	conclusions	conclusion	NOUN
easat-2280	289	10	from	from	ADP
easat-2280	289	11	the	the	DET
easat-2280	289	12	research	research	NOUN
easat-2280	289	13	,	,	PUNCT
easat-2280	289	14	it	it	PRON
easat-2280	289	15	is	be	AUX
easat-2280	289	16	recommended	recommend	VERB
easat-2280	289	17	that	that	SCONJ
easat-2280	289	18	authors	author	NOUN
easat-2280	289	19	give	give	VERB
easat-2280	289	20	focus	focus	NOUN
easat-2280	289	21	to	to	PART
easat-2280	289	22	increase	increase	VERB
easat-2280	289	23	the	the	DET
easat-2280	289	24	training	training	NOUN
easat-2280	289	25	of	of	ADP
easat-2280	289	26	financial	financial	ADJ
easat-2280	289	27	literacy	literacy	NOUN
easat-2280	289	28	among	among	ADP
easat-2280	289	29	naval	naval	ADJ
easat-2280	289	30	personnel	personnel	NOUN
easat-2280	289	31	and	and	CCONJ
easat-2280	289	32	related	relate	VERB
easat-2280	289	33	party	party	NOUN
easat-2280	289	34	to	to	PART
easat-2280	289	35	better	better	VERB
easat-2280	289	36	their	their	PRON
easat-2280	289	37	financial	financial	ADJ
easat-2280	289	38	thinking	thinking	NOUN
easat-2280	289	39	skills	skill	NOUN
easat-2280	289	40	.	.	PUNCT
easat-2280	290	1	•	•	NUM
easat-2280	290	2	addressed	address	VERB
easat-2280	290	3	measures	measure	NOUN
easat-2280	290	4	to	to	PART
easat-2280	290	5	increase	increase	VERB
easat-2280	290	6	the	the	DET
easat-2280	290	7	relevance	relevance	NOUN
easat-2280	290	8	of	of	ADP
easat-2280	290	9	financial	financial	ADJ
easat-2280	290	10	technology	technology	NOUN
easat-2280	290	11	contribute	contribute	VERB
easat-2280	290	12	to	to	AUX
easat-2280	290	13	onset	onset	VERB
easat-2280	290	14	targeted	target	VERB
easat-2280	290	15	strategies	strategy	NOUN
easat-2280	290	16	aimed	aim	VERB
easat-2280	290	17	at	at	ADP
easat-2280	290	18	learning	learn	VERB
easat-2280	290	19	how	how	SCONJ
easat-2280	290	20	naval	naval	ADJ
easat-2280	290	21	personnel	personnel	NOUN
easat-2280	290	22	can	can	AUX
easat-2280	290	23	use	use	VERB
easat-2280	290	24	these	these	DET
easat-2280	290	25	tools	tool	NOUN
easat-2280	290	26	and	and	CCONJ
easat-2280	290	27	resources	resource	NOUN
easat-2280	290	28	for	for	ADP
easat-2280	290	29	improving	improve	VERB
easat-2280	290	30	the	the	DET
easat-2280	290	31	choices	choice	NOUN
easat-2280	290	32	.	.	PUNCT
easat-2280	291	1	•	•	INTJ
easat-2280	292	1	it	it	PRON
easat-2280	292	2	is	be	AUX
easat-2280	292	3	recommended	recommend	VERB
easat-2280	292	4	that	that	SCONJ
easat-2280	292	5	personality	personality	NOUN
easat-2280	292	6	assessments	assessment	NOUN
easat-2280	292	7	be	be	AUX
easat-2280	292	8	included	include	VERB
easat-2280	292	9	as	as	ADP
easat-2280	292	10	part	part	NOUN
easat-2280	292	11	of	of	ADP
easat-2280	292	12	the	the	DET
easat-2280	292	13	steering	steering	NOUN
easat-2280	292	14	means	mean	VERB
easat-2280	292	15	for	for	ADP
easat-2280	292	16	financial	financial	ADJ
easat-2280	292	17	education	education	NOUN
easat-2280	292	18	because	because	SCONJ
easat-2280	292	19	of	of	ADP
easat-2280	292	20	the	the	DET
easat-2280	292	21	variability	variability	NOUN
easat-2280	292	22	of	of	ADP
easat-2280	292	23	financial	financial	ADJ
easat-2280	292	24	behaviour	behaviour	NOUN
easat-2280	292	25	and	and	CCONJ
easat-2280	292	26	financial	financial	ADJ
easat-2280	292	27	personalities	personality	NOUN
easat-2280	292	28	among	among	ADP
easat-2280	292	29	the	the	DET
easat-2280	292	30	naval	naval	ADJ
easat-2280	292	31	personnel	personnel	NOUN
easat-2280	292	32	.	.	PUNCT
easat-2280	293	1	5.3	5.3	NUM
easat-2280	293	2	.	.	PUNCT
easat-2280	293	3	research	research	NOUN
easat-2280	293	4	limitations	limitation	NOUN
easat-2280	293	5	•	•	INTJ
easat-2280	293	6	it	it	PRON
easat-2280	293	7	should	should	AUX
easat-2280	293	8	be	be	AUX
easat-2280	293	9	noted	note	VERB
easat-2280	293	10	that	that	SCONJ
easat-2280	293	11	the	the	DET
easat-2280	293	12	study	study	NOUN
easat-2280	293	13	was	be	AUX
easat-2280	293	14	done	do	VERB
easat-2280	293	15	in	in	ADP
easat-2280	293	16	a	a	DET
easat-2280	293	17	particular	particular	ADJ
easat-2280	293	18	setting	setting	NOUN
easat-2280	293	19	(	(	PUNCT
easat-2280	293	20	hera	hera	PROPN
easat-2280	293	21	naval	naval	ADJ
easat-2280	293	22	base	base	PROPN
easat-2280	293	23	)	)	PUNCT
easat-2280	293	24	,	,	PUNCT
easat-2280	293	25	thus	thus	ADV
easat-2280	293	26	the	the	DET
easat-2280	293	27	results	result	NOUN
easat-2280	293	28	of	of	ADP
easat-2280	293	29	the	the	DET
easat-2280	293	30	study	study	NOUN
easat-2280	293	31	may	may	AUX
easat-2280	293	32	not	not	PART
easat-2280	293	33	be	be	AUX
easat-2280	293	34	generalizable	generalizable	ADJ
easat-2280	293	35	to	to	ADP
easat-2280	293	36	other	other	ADJ
easat-2280	293	37	military	military	ADJ
easat-2280	293	38	or	or	CCONJ
easat-2280	293	39	civilian	civilian	ADJ
easat-2280	293	40	samples	sample	NOUN
easat-2280	293	41	.	.	PUNCT
easat-2280	294	1	•	•	NUM
easat-2280	294	2	the	the	DET
easat-2280	294	3	use	use	NOUN
easat-2280	294	4	of	of	ADP
easat-2280	294	5	selfreported	selfreporte	VERB
easat-2280	294	6	data	datum	NOUN
easat-2280	294	7	may	may	AUX
easat-2280	294	8	bias	bias	VERB
easat-2280	294	9	the	the	DET
easat-2280	294	10	results	result	NOUN
easat-2280	294	11	since	since	SCONJ
easat-2280	294	12	participants	participant	NOUN
easat-2280	294	13	might	might	AUX
easat-2280	294	14	not	not	PART
easat-2280	294	15	represent	represent	VERB
easat-2280	294	16	the	the	DET
easat-2280	294	17	actual	actual	ADJ
easat-2280	294	18	financial	financial	ADJ
easat-2280	294	19	behaviour	behaviour	NOUN
easat-2280	294	20	or	or	CCONJ
easat-2280	294	21	financial	financial	ADJ
easat-2280	294	22	personality	personality	NOUN
easat-2280	294	23	.	.	PUNCT
easat-2280	295	1	•	•	NUM
easat-2280	295	2	the	the	DET
easat-2280	295	3	threats	threat	NOUN
easat-2280	295	4	and	and	CCONJ
easat-2280	295	5	limitations	limitation	NOUN
easat-2280	295	6	of	of	ADP
easat-2280	295	7	the	the	DET
easat-2280	295	8	study	study	NOUN
easat-2280	295	9	include	include	VERB
easat-2280	295	10	the	the	DET
easat-2280	295	11	failure	failure	NOUN
easat-2280	295	12	to	to	PART
easat-2280	295	13	establish	establish	VERB
easat-2280	295	14	the	the	DET
easat-2280	295	15	impact	impact	NOUN
easat-2280	295	16	of	of	ADP
easat-2280	295	17	environmental	environmental	ADJ
easat-2280	295	18	factors	factor	NOUN
easat-2280	295	19	including	include	VERB
easat-2280	295	20	economic	economic	ADJ
easat-2280	295	21	factors	factor	NOUN
easat-2280	295	22	or	or	CCONJ
easat-2280	295	23	family	family	NOUN
easat-2280	295	24	on	on	ADP
easat-2280	295	25	people	people	NOUN
easat-2280	295	26	’s	’s	PART
easat-2280	295	27	financial	financial	ADJ
easat-2280	295	28	behavior	behavior	NOUN
easat-2280	295	29	and	and	CCONJ
easat-2280	295	30	planning	planning	NOUN
easat-2280	295	31	.	.	PUNCT
easat-2280	296	1	5.4	5.4	NUM
easat-2280	296	2	.	.	PUNCT
easat-2280	296	3	suggestions	suggestion	NOUN
easat-2280	296	4	for	for	ADP
easat-2280	296	5	future	future	ADJ
easat-2280	296	6	research	research	NOUN
easat-2280	296	7	•	•	ADP
easat-2280	296	8	future	future	ADJ
easat-2280	296	9	research	research	NOUN
easat-2280	296	10	should	should	AUX
easat-2280	296	11	look	look	VERB
easat-2280	296	12	at	at	ADP
easat-2280	296	13	the	the	DET
easat-2280	296	14	evolution	evolution	NOUN
easat-2280	296	15	of	of	ADP
easat-2280	296	16	effect	effect	NOUN
easat-2280	296	17	of	of	ADP
easat-2280	296	18	financial	financial	ADJ
easat-2280	296	19	technology	technology	NOUN
easat-2280	296	20	and	and	CCONJ
easat-2280	296	21	literacy	literacy	NOUN
easat-2280	296	22	on	on	ADP
easat-2280	296	23	financial	financial	ADJ
easat-2280	296	24	behavior	behavior	NOUN
easat-2280	296	25	of	of	ADP
easat-2280	296	26	naval	naval	ADJ
easat-2280	296	27	personnel	personnel	NOUN
easat-2280	296	28	in	in	ADP
easat-2280	296	29	the	the	DET
easat-2280	296	30	long	long	ADV
easat-2280	296	31	-	-	PUNCT
easat-2280	296	32	run	run	NOUN
easat-2280	296	33	.	.	PUNCT
easat-2280	297	1	•	•	NOUN
easat-2280	297	2	using	use	VERB
easat-2280	297	3	a	a	DET
easat-2280	297	4	broader	broad	ADJ
easat-2280	297	5	sample	sample	NOUN
easat-2280	297	6	which	which	PRON
easat-2280	297	7	includes	include	VERB
easat-2280	297	8	different	different	ADJ
easat-2280	297	9	branches	branch	NOUN
easat-2280	297	10	of	of	ADP
easat-2280	297	11	the	the	DET
easat-2280	297	12	military	military	ADJ
easat-2280	297	13	or	or	CCONJ
easat-2280	297	14	other	other	ADJ
easat-2280	297	15	civilian	civilian	ADJ
easat-2280	297	16	populations	population	NOUN
easat-2280	297	17	might	might	AUX
easat-2280	297	18	improve	improve	VERB
easat-2280	297	19	the	the	DET
easat-2280	297	20	external	external	ADJ
easat-2280	297	21	validity	validity	NOUN
easat-2280	297	22	of	of	ADP
easat-2280	297	23	the	the	DET
easat-2280	297	24	results	result	NOUN
easat-2280	297	25	.	.	PUNCT
easat-2280	298	1	•	•	ADV
easat-2280	298	2	examining	examine	VERB
easat-2280	298	3	other	other	ADJ
easat-2280	298	4	factors	factor	NOUN
easat-2280	298	5	that	that	PRON
easat-2280	298	6	may	may	AUX
easat-2280	298	7	influence	influence	VERB
easat-2280	298	8	the	the	DET
easat-2280	298	9	financial	financial	ADJ
easat-2280	298	10	decisions	decision	NOUN
easat-2280	298	11	including	include	VERB
easat-2280	298	12	socio	socio	NOUN
easat-2280	298	13	-	-	PUNCT
easat-2280	298	14	economic	economic	ADJ
easat-2280	298	15	status	status	NOUN
easat-2280	298	16	and	and	CCONJ
easat-2280	298	17	culture	culture	NOUN
easat-2280	298	18	would	would	AUX
easat-2280	298	19	help	help	VERB
easat-2280	298	20	to	to	PART
easat-2280	298	21	fill	fill	VERB
easat-2280	298	22	this	this	DET
easat-2280	298	23	gap	gap	NOUN
easat-2280	298	24	in	in	ADP
easat-2280	298	25	understanding	understand	VERB
easat-2280	298	26	some	some	PRON
easat-2280	298	27	of	of	ADP
easat-2280	298	28	the	the	DET
easat-2280	298	29	possible	possible	ADJ
easat-2280	298	30	forces	force	NOUN
easat-2280	298	31	that	that	PRON
easat-2280	298	32	are	be	AUX
easat-2280	298	33	at	at	ADP
easat-2280	298	34	work	work	NOUN
easat-2280	298	35	.	.	PUNCT
easat-2280	299	1	•	•	NUM
easat-2280	299	2	thus	thus	ADV
easat-2280	299	3	,	,	PUNCT
easat-2280	299	4	the	the	DET
easat-2280	299	5	further	further	ADJ
easat-2280	299	6	study	study	NOUN
easat-2280	299	7	of	of	ADP
easat-2280	299	8	the	the	DET
easat-2280	299	9	moderating	moderate	VERB
easat-2280	299	10	effects	effect	NOUN
easat-2280	299	11	of	of	ADP
easat-2280	299	12	financial	financial	ADJ
easat-2280	299	13	quotient	quotient	NOUN
easat-2280	299	14	in	in	ADP
easat-2280	299	15	various	various	ADJ
easat-2280	299	16	settings	setting	NOUN
easat-2280	299	17	might	might	AUX
easat-2280	299	18	help	help	VERB
easat-2280	299	19	to	to	PART
easat-2280	299	20	reveal	reveal	VERB
easat-2280	299	21	its	its	PRON
easat-2280	299	22	possible	possible	ADJ
easat-2280	299	23	impact	impact	NOUN
easat-2280	299	24	on	on	ADP
easat-2280	299	25	financial	financial	ADJ
easat-2280	299	26	decisions	decision	NOUN
easat-2280	299	27	made	make	VERB
easat-2280	299	28	.	.	PUNCT
easat-2280	300	1	1591	1591	NUM
easat-2280	300	2	edelweiss	edelweiss	PROPN
easat-2280	300	3	applied	apply	VERB
easat-2280	300	4	science	science	NOUN
easat-2280	300	5	and	and	CCONJ
easat-2280	300	6	technology	technology	NOUN
easat-2280	300	7	issn	issn	PROPN
easat-2280	300	8	:	:	PUNCT
easat-2280	300	9	2576	2576	NUM
easat-2280	300	10	-	-	SYM
easat-2280	300	11	8484	8484	NUM
easat-2280	300	12	vol	vol	NOUN
easat-2280	300	13	.	.	PROPN
easat-2280	300	14	8	8	NUM
easat-2280	300	15	,	,	PUNCT
easat-2280	300	16	no	no	INTJ
easat-2280	300	17	.	.	NOUN
easat-2280	300	18	6	6	NUM
easat-2280	300	19	:	:	SYM
easat-2280	300	20	1577	1577	NUM
easat-2280	300	21	-	-	SYM
easat-2280	300	22	1597	1597	NUM
easat-2280	300	23	,	,	PUNCT
easat-2280	300	24	2024	2024	NUM
easat-2280	300	25	doi	doi	NOUN
easat-2280	300	26	:	:	PUNCT
easat-2280	300	27	10.55214/25768484.v8i6.2280	10.55214/25768484.v8i6.2280	NUM
easat-2280	300	28	©	©	PROPN
easat-2280	300	29	2024	2024	NUM
easat-2280	300	30	by	by	ADP
easat-2280	300	31	the	the	DET
easat-2280	300	32	authors	author	NOUN
easat-2280	300	33	;	;	PUNCT
easat-2280	300	34	licensee	licensee	PROPN
easat-2280	300	35	learning	learn	VERB
easat-2280	300	36	gate	gate	NOUN
easat-2280	300	37	acknowledgements	acknowledgement	NOUN
easat-2280	300	38	:	:	PUNCT
easat-2280	300	39	this	this	DET
easat-2280	300	40	research	research	NOUN
easat-2280	300	41	was	be	AUX
easat-2280	300	42	supported	support	VERB
easat-2280	300	43	by	by	ADP
easat-2280	300	44	timor	timor	PROPN
easat-2280	300	45	-	-	PUNCT
easat-2280	300	46	leste	leste	PROPN
easat-2280	300	47	national	national	PROPN
easat-2280	300	48	defence	defence	PROPN
easat-2280	300	49	institute	institute	PROPN
easat-2280	300	50	(	(	PUNCT
easat-2280	300	51	ndi	ndi	PROPN
easat-2280	300	52	)	)	PUNCT
easat-2280	300	53	copyright	copyright	NOUN
easat-2280	300	54	:	:	PUNCT
easat-2280	300	55	©	©	PROPN
easat-2280	300	56	2024	2024	NUM
easat-2280	300	57	by	by	ADP
easat-2280	300	58	the	the	DET
easat-2280	300	59	authors	author	NOUN
easat-2280	300	60	.	.	PUNCT
easat-2280	301	1	this	this	DET
easat-2280	301	2	article	article	NOUN
easat-2280	301	3	is	be	AUX
easat-2280	301	4	an	an	DET
easat-2280	301	5	open	open	ADJ
easat-2280	301	6	access	access	NOUN
easat-2280	301	7	article	article	NOUN
easat-2280	301	8	distributed	distribute	VERB
easat-2280	301	9	under	under	ADP
easat-2280	301	10	the	the	DET
easat-2280	301	11	terms	term	NOUN
easat-2280	301	12	and	and	CCONJ
easat-2280	301	13	conditions	condition	NOUN
easat-2280	301	14	of	of	ADP
easat-2280	301	15	the	the	DET
easat-2280	301	16	creative	creative	ADJ
easat-2280	301	17	commons	common	NOUN
easat-2280	301	18	attribution	attribution	NOUN
easat-2280	301	19	(	(	PUNCT
easat-2280	301	20	cc	cc	NOUN
easat-2280	301	21	by	by	ADP
easat-2280	301	22	)	)	PUNCT
easat-2280	301	23	license	license	NOUN
easat-2280	301	24	(	(	PUNCT
easat-2280	301	25	https://creativecommons.org/licenses/by/4.0/	https://creativecommons.org/licenses/by/4.0/	PROPN
easat-2280	301	26	)	)	PUNCT
easat-2280	301	27	.	.	PUNCT
easat-2280	302	1	references	reference	NOUN
easat-2280	302	2	[	[	X
easat-2280	302	3	1	1	NUM
easat-2280	302	4	]	]	X
easat-2280	302	5	alessie	alessie	PROPN
easat-2280	302	6	,	,	PUNCT
easat-2280	302	7	r.	r.	PROPN
easat-2280	302	8	,	,	PUNCT
easat-2280	302	9	van	van	PROPN
easat-2280	302	10	rooij	rooij	NOUN
easat-2280	302	11	,	,	PUNCT
easat-2280	302	12	m.	m.	NOUN
easat-2280	302	13	,	,	PUNCT
easat-2280	302	14	&	&	CCONJ
easat-2280	302	15	lusardi	lusardi	PROPN
easat-2280	302	16	,	,	PUNCT
easat-2280	302	17	a.	a.	NOUN
easat-2280	302	18	(	(	PUNCT
easat-2280	302	19	2011	2011	NUM
easat-2280	302	20	)	)	PUNCT
easat-2280	302	21	.	.	PUNCT
easat-2280	303	1	financial	financial	ADJ
easat-2280	303	2	literacy	literacy	NOUN
easat-2280	303	3	and	and	CCONJ
easat-2280	303	4	retirement	retirement	NOUN
easat-2280	303	5	preparation	preparation	NOUN
easat-2280	303	6	in	in	ADP
easat-2280	303	7	the	the	DET
easat-2280	303	8	netherlands	netherlands	PROPN
easat-2280	303	9	.	.	PUNCT
easat-2280	304	1	journal	journal	PROPN
easat-2280	304	2	of	of	ADP
easat-2280	304	3	pension	pension	NOUN
easat-2280	304	4	economics	economic	NOUN
easat-2280	304	5	and	and	CCONJ
easat-2280	304	6	finance	finance	NOUN
easat-2280	304	7	,	,	PUNCT
easat-2280	304	8	10(4	10(4	NUM
easat-2280	304	9	)	)	PUNCT
easat-2280	304	10	,	,	PUNCT
easat-2280	304	11	527–545	527–545	NUM
easat-2280	304	12	.	.	PUNCT
easat-2280	305	1	https://doi.org/10.1017/s1474747211000461	https://doi.org/10.1017/s1474747211000461	PROPN
easat-2280	305	2	[	[	X
easat-2280	305	3	2	2	NUM
easat-2280	305	4	]	]	PUNCT
easat-2280	305	5	almashhadani	almashhadani	NOUN
easat-2280	305	6	,	,	PUNCT
easat-2280	305	7	i.	i.	PROPN
easat-2280	305	8	s.	s.	PROPN
easat-2280	305	9	,	,	PUNCT
easat-2280	305	10	abuhashesh	abuhashesh	NOUN
easat-2280	305	11	,	,	PUNCT
easat-2280	305	12	m.	m.	NOUN
easat-2280	305	13	,	,	PUNCT
easat-2280	305	14	bany	bany	NOUN
easat-2280	305	15	mohammad	mohammad	PROPN
easat-2280	305	16	,	,	PUNCT
easat-2280	305	17	a.	a.	PROPN
easat-2280	305	18	,	,	PUNCT
easat-2280	305	19	masa’deh	masa’deh	PROPN
easat-2280	305	20	,	,	PUNCT
easat-2280	305	21	r.	r.	PROPN
easat-2280	305	22	,	,	PUNCT
easat-2280	305	23	&	&	CCONJ
easat-2280	305	24	al	al	PROPN
easat-2280	305	25	-	-	PUNCT
easat-2280	305	26	khasawneh	khasawneh	PROPN
easat-2280	305	27	,	,	PUNCT
easat-2280	305	28	m.	m.	NOUN
easat-2280	305	29	(	(	PUNCT
easat-2280	305	30	2023	2023	NUM
easat-2280	305	31	)	)	PUNCT
easat-2280	305	32	.	.	PUNCT
easat-2280	306	1	exploring	explore	VERB
easat-2280	306	2	the	the	DET
easat-2280	306	3	determinants	determinant	NOUN
easat-2280	306	4	of	of	ADP
easat-2280	306	5	fintech	fintech	NOUN
easat-2280	306	6	adoption	adoption	NOUN
easat-2280	306	7	and	and	CCONJ
easat-2280	306	8	intention	intention	NOUN
easat-2280	306	9	to	to	PART
easat-2280	306	10	use	use	VERB
easat-2280	306	11	in	in	ADP
easat-2280	306	12	jordan	jordan	PROPN
easat-2280	306	13	:	:	PUNCT
easat-2280	306	14	the	the	DET
easat-2280	306	15	impact	impact	NOUN
easat-2280	306	16	of	of	ADP
easat-2280	306	17	covid-19	covid-19	PROPN
easat-2280	306	18	.	.	PUNCT
easat-2280	306	19	cogent	cogent	PROPN
easat-2280	306	20	social	social	ADJ
easat-2280	306	21	sciences	sciences	PROPN
easat-2280	306	22	,	,	PUNCT
easat-2280	306	23	9(2	9(2	NUM
easat-2280	306	24	)	)	PUNCT
easat-2280	306	25	,	,	PUNCT
easat-2280	306	26	1–18	1–18	NUM
easat-2280	306	27	.	.	PUNCT
easat-2280	307	1	https://doi.org/10.1080/23311886.2023.2256536	https://doi.org/10.1080/23311886.2023.2256536	PUNCT
easat-2280	308	1	[	[	X
easat-2280	308	2	3	3	NUM
easat-2280	308	3	]	]	X
easat-2280	308	4	almomani	almomani	NOUN
easat-2280	308	5	,	,	PUNCT
easat-2280	308	6	a.	a.	NOUN
easat-2280	308	7	a.	a.	PROPN
easat-2280	308	8	,	,	PUNCT
easat-2280	308	9	&	&	CCONJ
easat-2280	308	10	alomari	alomari	PROPN
easat-2280	308	11	,	,	PUNCT
easat-2280	308	12	k.	k.	PROPN
easat-2280	308	13	f.	f.	PROPN
easat-2280	308	14	(	(	PUNCT
easat-2280	308	15	2021	2021	NUM
easat-2280	308	16	)	)	PUNCT
easat-2280	308	17	.	.	PUNCT
easat-2280	308	18	financial	financial	ADJ
easat-2280	308	19	technology	technology	NOUN
easat-2280	308	20	(	(	PUNCT
easat-2280	308	21	fintech	fintech	NOUN
easat-2280	308	22	)	)	PUNCT
easat-2280	308	23	and	and	CCONJ
easat-2280	308	24	its	its	PRON
easat-2280	308	25	role	role	NOUN
easat-2280	308	26	in	in	ADP
easat-2280	308	27	supporting	support	VERB
easat-2280	308	28	the	the	DET
easat-2280	308	29	financial	financial	ADJ
easat-2280	308	30	and	and	CCONJ
easat-2280	308	31	banking	banking	NOUN
easat-2280	308	32	services	service	NOUN
easat-2280	308	33	sector	sector	NOUN
easat-2280	308	34	.	.	PUNCT
easat-2280	309	1	international	international	ADJ
easat-2280	309	2	journal	journal	PROPN
easat-2280	309	3	of	of	ADP
easat-2280	309	4	academic	academic	ADJ
easat-2280	309	5	research	research	NOUN
easat-2280	309	6	in	in	ADP
easat-2280	309	7	business	business	NOUN
easat-2280	309	8	and	and	CCONJ
easat-2280	309	9	social	social	ADJ
easat-2280	309	10	sciences	science	NOUN
easat-2280	309	11	,	,	PUNCT
easat-2280	309	12	11(8	11(8	NUM
easat-2280	309	13	)	)	PUNCT
easat-2280	309	14	,	,	PUNCT
easat-2280	309	15	1793–1802	1793–1802	NUM
easat-2280	309	16	.	.	PUNCT
easat-2280	309	17	https://doi.org/10.6007/ijarbss/v11-i8/10625	https://doi.org/10.6007/ijarbss/v11-i8/10625	X
easat-2280	310	1	[	[	X
easat-2280	310	2	4	4	X
easat-2280	310	3	]	]	X
easat-2280	310	4	alshebami	alshebami	NOUN
easat-2280	310	5	,	,	PUNCT
easat-2280	310	6	a.	a.	PROPN
easat-2280	310	7	s.	s.	PROPN
easat-2280	310	8	,	,	PUNCT
easat-2280	310	9	&	&	CCONJ
easat-2280	310	10	marri	marri	PROPN
easat-2280	310	11	,	,	PUNCT
easat-2280	310	12	s.	s.	PROPN
easat-2280	310	13	h.	h.	PROPN
easat-2280	310	14	al	al	PROPN
easat-2280	310	15	.	.	PROPN
easat-2280	310	16	(	(	PUNCT
easat-2280	310	17	2022	2022	NUM
easat-2280	310	18	)	)	PUNCT
easat-2280	310	19	.	.	PUNCT
easat-2280	311	1	the	the	DET
easat-2280	311	2	impact	impact	NOUN
easat-2280	311	3	of	of	ADP
easat-2280	311	4	financial	financial	ADJ
easat-2280	311	5	literacy	literacy	NOUN
easat-2280	311	6	on	on	ADP
easat-2280	311	7	entrepreneurial	entrepreneurial	ADJ
easat-2280	311	8	intention	intention	NOUN
easat-2280	311	9	:	:	PUNCT
easat-2280	311	10	the	the	DET
easat-2280	311	11	mediating	mediate	VERB
easat-2280	311	12	role	role	NOUN
easat-2280	311	13	of	of	ADP
easat-2280	311	14	saving	save	VERB
easat-2280	311	15	behavior	behavior	NOUN
easat-2280	311	16	.	.	PUNCT
easat-2280	312	1	in	in	ADP
easat-2280	312	2	frontiers	frontier	NOUN
easat-2280	312	3	in	in	ADP
easat-2280	312	4	psychology	psychology	NOUN
easat-2280	312	5	.	.	PUNCT
easat-2280	313	1	frontiersin.org	frontiersin.org	X
easat-2280	313	2	.	.	PUNCT
easat-2280	314	1	https://doi.org/10.3389/fpsyg.2022.911605	https://doi.org/10.3389/fpsyg.2022.911605	PROPN
easat-2280	314	2	[	[	X
easat-2280	314	3	5	5	NUM
easat-2280	314	4	]	]	X
easat-2280	314	5	amnas	amna	NOUN
easat-2280	314	6	,	,	PUNCT
easat-2280	314	7	m.	m.	PROPN
easat-2280	314	8	b.	b.	PROPN
easat-2280	314	9	,	,	PUNCT
easat-2280	314	10	selvam	selvam	PROPN
easat-2280	314	11	,	,	PUNCT
easat-2280	314	12	m.	m.	NOUN
easat-2280	314	13	,	,	PUNCT
easat-2280	314	14	&	&	CCONJ
easat-2280	314	15	parayitam	parayitam	PROPN
easat-2280	314	16	,	,	PUNCT
easat-2280	314	17	s.	s.	PROPN
easat-2280	314	18	(	(	PUNCT
easat-2280	314	19	2024	2024	NUM
easat-2280	314	20	)	)	PUNCT
easat-2280	314	21	.	.	PUNCT
easat-2280	315	1	fintech	fintech	NOUN
easat-2280	315	2	and	and	CCONJ
easat-2280	315	3	financial	financial	ADJ
easat-2280	315	4	inclusion	inclusion	NOUN
easat-2280	315	5	:	:	PUNCT
easat-2280	315	6	exploring	explore	VERB
easat-2280	315	7	the	the	DET
easat-2280	315	8	mediating	mediate	VERB
easat-2280	315	9	role	role	NOUN
easat-2280	315	10	of	of	ADP
easat-2280	315	11	digital	digital	ADJ
easat-2280	315	12	financial	financial	ADJ
easat-2280	315	13	literacy	literacy	NOUN
easat-2280	315	14	and	and	CCONJ
easat-2280	315	15	the	the	DET
easat-2280	315	16	moderating	moderate	VERB
easat-2280	315	17	influence	influence	NOUN
easat-2280	315	18	of	of	ADP
easat-2280	315	19	perceived	perceive	VERB
easat-2280	315	20	regulatory	regulatory	ADJ
easat-2280	315	21	support	support	NOUN
easat-2280	315	22	.	.	PUNCT
easat-2280	316	1	journal	journal	NOUN
easat-2280	316	2	of	of	ADP
easat-2280	316	3	risk	risk	NOUN
easat-2280	316	4	and	and	CCONJ
easat-2280	316	5	financial	financial	ADJ
easat-2280	316	6	management	management	NOUN
easat-2280	316	7	,	,	PUNCT
easat-2280	316	8	17(3	17(3	NUM
easat-2280	316	9	)	)	PUNCT
easat-2280	316	10	.	.	PUNCT
easat-2280	317	1	https://doi.org/10.3390/jrfm17030108	https://doi.org/10.3390/jrfm17030108	PROPN
easat-2280	318	1	[	[	X
easat-2280	318	2	5	5	NUM
easat-2280	318	3	]	]	X
easat-2280	318	4	amnas	amna	NOUN
easat-2280	318	5	,	,	PUNCT
easat-2280	318	6	m.	m.	PROPN
easat-2280	318	7	b.	b.	PROPN
easat-2280	318	8	,	,	PUNCT
easat-2280	318	9	selvam	selvam	PROPN
easat-2280	318	10	,	,	PUNCT
easat-2280	318	11	m.	m.	NOUN
easat-2280	318	12	,	,	PUNCT
easat-2280	318	13	raja	raja	PROPN
easat-2280	318	14	,	,	PUNCT
easat-2280	318	15	m.	m.	NOUN
easat-2280	318	16	,	,	PUNCT
easat-2280	318	17	santhoshkumar	santhoshkumar	PROPN
easat-2280	318	18	,	,	PUNCT
easat-2280	318	19	s.	s.	PROPN
easat-2280	318	20	,	,	PUNCT
easat-2280	318	21	&	&	CCONJ
easat-2280	318	22	parayitam	parayitam	PROPN
easat-2280	318	23	,	,	PUNCT
easat-2280	318	24	s.	s.	PROPN
easat-2280	318	25	(	(	PUNCT
easat-2280	318	26	2023	2023	NUM
easat-2280	318	27	)	)	PUNCT
easat-2280	318	28	.	.	PUNCT
easat-2280	319	1	understanding	understand	VERB
easat-2280	319	2	the	the	DET
easat-2280	319	3	determinants	determinant	NOUN
easat-2280	319	4	of	of	ADP
easat-2280	319	5	fintech	fintech	NOUN
easat-2280	319	6	adoption	adoption	NOUN
easat-2280	319	7	:	:	PUNCT
easat-2280	319	8	integrating	integrate	VERB
easat-2280	319	9	utaut2	utaut2	NOUN
easat-2280	319	10	with	with	ADP
easat-2280	319	11	trust	trust	NOUN
easat-2280	319	12	theoretic	theoretic	NOUN
easat-2280	319	13	model	model	NOUN
easat-2280	319	14	.	.	PUNCT
easat-2280	320	1	journal	journal	NOUN
easat-2280	320	2	of	of	ADP
easat-2280	320	3	risk	risk	NOUN
easat-2280	320	4	and	and	CCONJ
easat-2280	320	5	financial	financial	ADJ
easat-2280	320	6	management	management	NOUN
easat-2280	320	7	,	,	PUNCT
easat-2280	320	8	16(12	16(12	NUM
easat-2280	320	9	)	)	PUNCT
easat-2280	320	10	.	.	PUNCT
easat-2280	321	1	https://doi.org/10.3390/jrfm16120505	https://doi.org/10.3390/jrfm16120505	PROPN
easat-2280	321	2	[	[	X
easat-2280	321	3	6	6	NUM
easat-2280	321	4	]	]	PUNCT
easat-2280	321	5	ardradhika	ardradhika	X
easat-2280	321	6	,	,	PUNCT
easat-2280	321	7	a.	a.	NOUN
easat-2280	321	8	n.	n.	PROPN
easat-2280	321	9	,	,	PUNCT
easat-2280	321	10	roslia	roslia	PROPN
easat-2280	321	11	,	,	PUNCT
easat-2280	321	12	a.	a.	NOUN
easat-2280	321	13	,	,	PUNCT
easat-2280	321	14	&	&	CCONJ
easat-2280	321	15	putri	putri	PROPN
easat-2280	321	16	,	,	PUNCT
easat-2280	321	17	a.	a.	NOUN
easat-2280	321	18	(	(	PUNCT
easat-2280	321	19	2023	2023	NUM
easat-2280	321	20	)	)	PUNCT
easat-2280	321	21	.	.	PUNCT
easat-2280	322	1	the	the	DET
easat-2280	322	2	influence	influence	NOUN
easat-2280	322	3	of	of	ADP
easat-2280	322	4	money	money	NOUN
easat-2280	322	5	attitude	attitude	NOUN
easat-2280	322	6	on	on	ADP
easat-2280	322	7	financial	financial	ADJ
easat-2280	322	8	well	well	NOUN
easat-2280	322	9	-	-	PUNCT
easat-2280	322	10	being	be	AUX
easat-2280	322	11	on	on	ADP
easat-2280	322	12	married	married	ADJ
easat-2280	322	13	workers	worker	NOUN
easat-2280	322	14	.	.	PUNCT
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easat-2280	323	2	ilmiah	ilmiah	PROPN
easat-2280	323	3	ekonomi	ekonomi	PROPN
easat-2280	323	4	…	…	PUNCT
easat-2280	323	5	.	.	PUNCT
easat-2280	323	6	https://ejournal.gunadarma.ac.id/index.php/ekbis/article/view/6763	https://ejournal.gunadarma.ac.id/index.php/ekbis/article/view/6763	PROPN
easat-2280	324	1	[	[	X
easat-2280	324	2	7	7	NUM
easat-2280	324	3	]	]	X
easat-2280	324	4	augustin	augustin	PROPN
easat-2280	324	5	,	,	PUNCT
easat-2280	324	6	l.	l.	PROPN
easat-2280	324	7	a.	a.	PROPN
easat-2280	324	8	v	v	PROPN
easat-2280	324	9	,	,	PUNCT
easat-2280	324	10	&	&	CCONJ
easat-2280	324	11	martin	martin	PROPN
easat-2280	324	12	,	,	PUNCT
easat-2280	324	13	t.	t.	PROPN
easat-2280	324	14	k.	k.	PROPN
easat-2280	324	15	(	(	PUNCT
easat-2280	324	16	2022	2022	NUM
easat-2280	324	17	)	)	PUNCT
easat-2280	324	18	.	.	PUNCT
easat-2280	325	1	financial	financial	ADJ
easat-2280	325	2	literacy	literacy	NOUN
easat-2280	325	3	and	and	CCONJ
easat-2280	325	4	the	the	DET
easat-2280	325	5	level	level	NOUN
easat-2280	325	6	of	of	ADP
easat-2280	325	7	financial	financial	ADJ
easat-2280	325	8	planning	planning	NOUN
easat-2280	325	9	individuals	individual	NOUN
easat-2280	325	10	use	use	VERB
easat-2280	325	11	.	.	PUNCT
easat-2280	326	1	financial	financial	ADJ
easat-2280	326	2	services	services	PROPN
easat-2280	326	3	review	review	PROPN
easat-2280	326	4	.	.	PUNCT
easat-2280	327	1	https://search.ebscohost.com/login.aspx?direct=true&profile=ehost&scope=site&authtype=crawler&jrnl=10570810	https://search.ebscohost.com/login.aspx?direct=true&profile=ehost&scope=site&authtype=crawler&jrnl=10570810	PROPN
easat-2280	327	2	&	&	CCONJ
easat-2280	327	3	an=163770548&h	an=163770548&h	PROPN
easat-2280	327	4	=	=	SYM
easat-2280	327	5	hhjdcpfqv0abvp9eifckltylxydtnlstijpu4hcxvog%2bdmcevwgas2%2bsjfx6uxz	hhjdcpfqv0abvp9eifckltylxydtnlstijpu4hcxvog%2bdmcevwgas2%2bsjfx6uxz	X
easat-2280	327	6	tkjwi36uw3qe3jpxnsihz%2fw%3d%3d&crl	tkjwi36uw3qe3jpxnsihz%2fw%3d%3d&crl	ADP
easat-2280	327	7	=	=	NOUN
easat-2280	327	8	c	c	NOUN
easat-2280	327	9	[	[	X
easat-2280	327	10	8	8	NUM
easat-2280	327	11	]	]	X
easat-2280	327	12	aziz	aziz	PROPN
easat-2280	327	13	,	,	PUNCT
easat-2280	327	14	d.	d.	PROPN
easat-2280	327	15	a.	a.	PROPN
easat-2280	327	16	,	,	PUNCT
easat-2280	327	17	&	&	CCONJ
easat-2280	327	18	zoraya	zoraya	PROPN
easat-2280	327	19	,	,	PUNCT
easat-2280	327	20	i.	i.	PROPN
easat-2280	327	21	(	(	PUNCT
easat-2280	327	22	2024	2024	NUM
easat-2280	327	23	)	)	PUNCT
easat-2280	327	24	.	.	PUNCT
easat-2280	328	1	how	how	SCONJ
easat-2280	328	2	financial	financial	ADJ
easat-2280	328	3	literacy	literacy	NOUN
easat-2280	328	4	,	,	PUNCT
easat-2280	328	5	financial	financial	ADJ
easat-2280	328	6	attitudes	attitude	NOUN
easat-2280	328	7	and	and	CCONJ
easat-2280	328	8	personality	personality	NOUN
easat-2280	328	9	affect	affect	VERB
easat-2280	328	10	msme	msme	NOUN
easat-2280	328	11	management	management	NOUN
easat-2280	328	12	behavior	behavior	NOUN
easat-2280	328	13	?	?	PUNCT
easat-2280	329	1	case	case	NOUN
easat-2280	329	2	in	in	ADP
easat-2280	329	3	bengkulu	bengkulu	VERB
easat-2280	329	4	.	.	PUNCT
easat-2280	330	1	hasanuddin	hasanuddin	VERB
easat-2280	330	2	economics	economic	NOUN
easat-2280	330	3	and	and	CCONJ
easat-2280	330	4	business	business	NOUN
easat-2280	330	5	review	review	NOUN
easat-2280	330	6	,	,	PUNCT
easat-2280	330	7	7(3	7(3	NUM
easat-2280	330	8	)	)	PUNCT
easat-2280	330	9	,	,	PUNCT
easat-2280	330	10	113	113	NUM
easat-2280	330	11	.	.	PUNCT
easat-2280	331	1	https://doi.org/10.26487/hebr.v7i3.5126	https://doi.org/10.26487/hebr.v7i3.5126	NOUN
easat-2280	332	1	[	[	X
easat-2280	332	2	9	9	NUM
easat-2280	332	3	]	]	PUNCT
easat-2280	332	4	basdekis	basdeki	NOUN
easat-2280	332	5	,	,	PUNCT
easat-2280	332	6	c.	c.	PROPN
easat-2280	332	7	,	,	PUNCT
easat-2280	332	8	christopoulos	christopoulos	PROPN
easat-2280	332	9	,	,	PUNCT
easat-2280	332	10	a.	a.	PROPN
easat-2280	332	11	,	,	PUNCT
easat-2280	332	12	katsampoxakis	katsampoxakis	PROPN
easat-2280	332	13	,	,	PUNCT
easat-2280	332	14	i.	i.	PROPN
easat-2280	332	15	,	,	PUNCT
easat-2280	332	16	&	&	CCONJ
easat-2280	332	17	vlachou	vlachou	PROPN
easat-2280	332	18	,	,	PUNCT
easat-2280	332	19	a.	a.	NOUN
easat-2280	332	20	(	(	PUNCT
easat-2280	332	21	2022	2022	NUM
easat-2280	332	22	)	)	PUNCT
easat-2280	332	23	.	.	PUNCT
easat-2280	333	1	fintech	fintech	NOUN
easat-2280	333	2	’s	’s	PART
easat-2280	333	3	rapid	rapid	ADJ
easat-2280	333	4	growth	growth	NOUN
easat-2280	333	5	and	and	CCONJ
easat-2280	333	6	its	its	PRON
easat-2280	333	7	effect	effect	NOUN
easat-2280	333	8	on	on	ADP
easat-2280	333	9	the	the	DET
easat-2280	333	10	banking	banking	NOUN
easat-2280	333	11	sector	sector	NOUN
easat-2280	333	12	.	.	PUNCT
easat-2280	334	1	journal	journal	NOUN
easat-2280	334	2	of	of	ADP
easat-2280	334	3	banking	banking	NOUN
easat-2280	334	4	and	and	CCONJ
easat-2280	334	5	financial	financial	ADJ
easat-2280	334	6	technology	technology	NOUN
easat-2280	334	7	,	,	PUNCT
easat-2280	334	8	6(2	6(2	NUM
easat-2280	334	9	)	)	PUNCT
easat-2280	334	10	,	,	PUNCT
easat-2280	334	11	159–176	159–176	NUM
easat-2280	334	12	.	.	PUNCT
easat-2280	335	1	https://doi.org/10.1007/s42786-02200045-w	https://doi.org/10.1007/s42786-02200045-w	PUNCT
easat-2280	336	1	[	[	X
easat-2280	336	2	10	10	NUM
easat-2280	336	3	]	]	X
easat-2280	336	4	bhargava	bhargava	PROPN
easat-2280	336	5	,	,	PUNCT
easat-2280	336	6	m.	m.	NOUN
easat-2280	336	7	,	,	PUNCT
easat-2280	336	8	sharma	sharma	PROPN
easat-2280	336	9	,	,	PUNCT
easat-2280	336	10	a.	a.	PROPN
easat-2280	336	11	,	,	PUNCT
easat-2280	336	12	mohanty	mohanty	PROPN
easat-2280	336	13	,	,	PUNCT
easat-2280	336	14	b.	b.	PROPN
easat-2280	336	15	,	,	PUNCT
easat-2280	336	16	&	&	CCONJ
easat-2280	336	17	lahiri	lahiri	PROPN
easat-2280	336	18	,	,	PUNCT
easat-2280	336	19	m.	m.	NOUN
easat-2280	336	20	m.	m.	NOUN
easat-2280	336	21	(	(	PUNCT
easat-2280	336	22	2022	2022	NUM
easat-2280	336	23	)	)	PUNCT
easat-2280	336	24	.	.	PUNCT
easat-2280	337	1	moderating	moderate	VERB
easat-2280	337	2	role	role	NOUN
easat-2280	337	3	of	of	ADP
easat-2280	337	4	personality	personality	NOUN
easat-2280	337	5	in	in	ADP
easat-2280	337	6	relationship	relationship	NOUN
easat-2280	337	7	to	to	ADP
easat-2280	337	8	financial	financial	ADJ
easat-2280	337	9	attitude	attitude	NOUN
easat-2280	337	10	,	,	PUNCT
easat-2280	337	11	financial	financial	ADJ
easat-2280	337	12	behaviour	behaviour	NOUN
easat-2280	337	13	,	,	PUNCT
easat-2280	337	14	financial	financial	ADJ
easat-2280	337	15	knowledge	knowledge	NOUN
easat-2280	337	16	and	and	CCONJ
easat-2280	337	17	financial	financial	ADJ
easat-2280	337	18	capability	capability	NOUN
easat-2280	337	19	.	.	PUNCT
easat-2280	338	1	international	international	ADJ
easat-2280	338	2	journal	journal	NOUN
easat-2280	338	3	of	of	ADP
easat-2280	338	4	sustainable	sustainable	ADJ
easat-2280	338	5	development	development	NOUN
easat-2280	338	6	and	and	CCONJ
easat-2280	338	7	planning	planning	NOUN
easat-2280	338	8	,	,	PUNCT
easat-2280	338	9	17(6	17(6	NUM
easat-2280	338	10	)	)	PUNCT
easat-2280	338	11	,	,	PUNCT
easat-2280	338	12	1997–2006	1997–2006	NUM
easat-2280	338	13	.	.	PUNCT
easat-2280	339	1	https://doi.org/10.18280/ijsdp.170635	https://doi.org/10.18280/ijsdp.170635	PROPN
easat-2280	340	1	[	[	X
easat-2280	340	2	11	11	NUM
easat-2280	340	3	]	]	SYM
easat-2280	340	4	bi	bi	NOUN
easat-2280	340	5	,	,	PUNCT
easat-2280	340	6	q.	q.	PROPN
easat-2280	340	7	,	,	PUNCT
easat-2280	340	8	dean	dean	PROPN
easat-2280	340	9	,	,	PUNCT
easat-2280	340	10	l.	l.	PROPN
easat-2280	340	11	r.	r.	PROPN
easat-2280	340	12	,	,	PUNCT
easat-2280	340	13	guo	guo	PROPN
easat-2280	340	14	,	,	PUNCT
easat-2280	340	15	t.	t.	PROPN
easat-2280	340	16	,	,	PUNCT
easat-2280	340	17	&	&	CCONJ
easat-2280	340	18	sun	sun	PROPN
easat-2280	340	19	,	,	PUNCT
easat-2280	340	20	x.	x.	NOUN
easat-2280	340	21	(	(	PUNCT
easat-2280	340	22	2021	2021	NUM
easat-2280	340	23	)	)	PUNCT
easat-2280	340	24	.	.	PUNCT
easat-2280	341	1	the	the	DET
easat-2280	341	2	impact	impact	NOUN
easat-2280	341	3	of	of	ADP
easat-2280	341	4	using	use	VERB
easat-2280	341	5	financial	financial	ADJ
easat-2280	341	6	technology	technology	NOUN
easat-2280	341	7	on	on	ADP
easat-2280	341	8	positive	positive	ADJ
easat-2280	341	9	financial	financial	ADJ
easat-2280	341	10	behaviors	behavior	NOUN
easat-2280	341	11	.	.	PUNCT
easat-2280	342	1	financial	financial	ADJ
easat-2280	342	2	services	service	NOUN
easat-2280	342	3	review	review	NOUN
easat-2280	342	4	.	.	PUNCT
easat-2280	343	1	https://search.proquest.com/openview/42db29ea7a34bd5fd374b200fca7f43e/1?pqorigsite=gscholar&cbl=31458	https://search.proquest.com/openview/42db29ea7a34bd5fd374b200fca7f43e/1?pqorigsite=gscholar&cbl=31458	NOUN
easat-2280	344	1	[	[	X
easat-2280	344	2	12	12	NUM
easat-2280	344	3	]	]	X
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easat-2280	344	5	,	,	PUNCT
easat-2280	344	6	d.	d.	PROPN
easat-2280	344	7	c.	c.	PROPN
easat-2280	344	8	,	,	PUNCT
easat-2280	344	9	&	&	CCONJ
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easat-2280	344	11	,	,	PUNCT
easat-2280	344	12	m.	m.	NOUN
easat-2280	344	13	s.	s.	PROPN
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easat-2280	344	16	)	)	PUNCT
easat-2280	344	17	.	.	PUNCT
easat-2280	345	1	personal	personal	ADJ
easat-2280	345	2	saving	saving	NOUN
easat-2280	345	3	orientation	orientation	NOUN
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easat-2280	345	6	with	with	ADP
easat-2280	345	7	higher	high	ADJ
easat-2280	345	8	likelihood	likelihood	NOUN
easat-2280	345	9	of	of	ADP
easat-2280	345	10	paying	pay	VERB
easat-2280	345	11	with	with	ADP
easat-2280	345	12	cash	cash	NOUN
easat-2280	345	13	versus	versus	ADP
easat-2280	345	14	credit	credit	NOUN
easat-2280	345	15	:	:	PUNCT
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easat-2280	345	17	role	role	NOUN
easat-2280	345	18	of	of	ADP
easat-2280	345	19	financial	financial	ADJ
easat-2280	345	20	power	power	NOUN
easat-2280	345	21	signaling	signal	VERB
easat-2280	345	22	.	.	PUNCT
easat-2280	346	1	personality	personality	NOUN
easat-2280	346	2	and	and	CCONJ
easat-2280	346	3	individual	individual	ADJ
easat-2280	346	4	differences	difference	NOUN
easat-2280	346	5	.	.	PUNCT
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easat-2280	348	1	[	[	X
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easat-2280	348	3	]	]	SYM
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easat-2280	348	5	,	,	PUNCT
easat-2280	348	6	d.	d.	PROPN
easat-2280	348	7	(	(	PUNCT
easat-2280	348	8	2021	2021	NUM
easat-2280	348	9	)	)	PUNCT
easat-2280	348	10	.	.	PUNCT
easat-2280	349	1	financial	financial	ADJ
easat-2280	349	2	technology	technology	NOUN
easat-2280	349	3	and	and	CCONJ
easat-2280	349	4	the	the	DET
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easat-2280	349	7	banking	banking	NOUN
easat-2280	349	8	.	.	PUNCT
easat-2280	350	1	in	in	ADP
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easat-2280	350	4	.	.	PUNCT
easat-2280	351	1	jfin-swufe.springeropen.com	jfin-swufe.springeropen.com	PROPN
easat-2280	351	2	.	.	PUNCT
easat-2280	352	1	https://doi.org/10.1186/s40854-021-00264-y	https://doi.org/10.1186/s40854-021-00264-y	PROPN
easat-2280	352	2	[	[	X
easat-2280	352	3	14	14	NUM
easat-2280	352	4	]	]	X
easat-2280	352	5	brooks	brooks	PROPN
easat-2280	352	6	,	,	PUNCT
easat-2280	352	7	c.	c.	PROPN
easat-2280	352	8	,	,	PUNCT
easat-2280	352	9	&	&	CCONJ
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easat-2280	352	11	,	,	PUNCT
easat-2280	352	12	l.	l.	PROPN
easat-2280	352	13	(	(	PUNCT
easat-2280	352	14	2021	2021	NUM
easat-2280	352	15	)	)	PUNCT
easat-2280	352	16	.	.	PUNCT
easat-2280	353	1	the	the	DET
easat-2280	353	2	impact	impact	NOUN
easat-2280	353	3	of	of	ADP
easat-2280	353	4	personality	personality	NOUN
easat-2280	353	5	traits	trait	NOUN
easat-2280	353	6	on	on	ADP
easat-2280	353	7	attitude	attitude	NOUN
easat-2280	353	8	to	to	ADP
easat-2280	353	9	financial	financial	ADJ
easat-2280	353	10	risk	risk	NOUN
easat-2280	353	11	.	.	PUNCT
easat-2280	354	1	research	research	NOUN
easat-2280	354	2	in	in	ADP
easat-2280	354	3	international	international	ADJ
easat-2280	354	4	business	business	NOUN
easat-2280	354	5	and	and	CCONJ
easat-2280	354	6	finance	finance	NOUN
easat-2280	354	7	,	,	PUNCT
easat-2280	354	8	58(july	58(july	NUM
easat-2280	354	9	)	)	PUNCT
easat-2280	354	10	.	.	PUNCT
easat-2280	355	1	https://doi.org/10.1016/j.ribaf.2021.101501	https://doi.org/10.1016/j.ribaf.2021.101501	ADJ
easat-2280	355	2	[	[	X
easat-2280	355	3	15	15	NUM
easat-2280	355	4	]	]	X
easat-2280	355	5	buess	buess	NOUN
easat-2280	355	6	,	,	PUNCT
easat-2280	355	7	m.	m.	NOUN
easat-2280	355	8	(	(	PUNCT
easat-2280	355	9	2012	2012	NUM
easat-2280	355	10	)	)	PUNCT
easat-2280	355	11	.	.	PUNCT
easat-2280	356	1	metastasiertes	metastasierte	VERB
easat-2280	356	2	nierenzellkarzinom	nierenzellkarzinom	PROPN
easat-2280	356	3	:	:	PUNCT
easat-2280	356	4	heutige	heutige	PROPN
easat-2280	356	5	therapeutische	therapeutische	PROPN
easat-2280	356	6	optionen	optionen	PROPN
easat-2280	356	7	.	.	PUNCT
easat-2280	357	1	tagliche	tagliche	PROPN
easat-2280	357	2	praxis	praxis	PROPN
easat-2280	357	3	,	,	PUNCT
easat-2280	357	4	53(1	53(1	PROPN
easat-2280	357	5	)	)	PUNCT
easat-2280	357	6	,	,	PUNCT
easat-2280	357	7	51–58	51–58	NUM
easat-2280	357	8	.	.	PUNCT
easat-2280	358	1	[	[	X
easat-2280	358	2	16	16	NUM
easat-2280	358	3	]	]	PUNCT
easat-2280	358	4	callis	callis	PROPN
easat-2280	358	5	,	,	PUNCT
easat-2280	358	6	z.	z.	PROPN
easat-2280	358	7	,	,	PUNCT
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easat-2280	358	9	,	,	PUNCT
easat-2280	358	10	p.	p.	PROPN
easat-2280	358	11	,	,	PUNCT
easat-2280	358	12	walker	walker	PROPN
easat-2280	358	13	,	,	PUNCT
easat-2280	358	14	d.	d.	PROPN
easat-2280	358	15	l.	l.	PROPN
easat-2280	358	16	,	,	PUNCT
easat-2280	358	17	&	&	CCONJ
easat-2280	358	18	gignac	gignac	PROPN
easat-2280	358	19	,	,	PUNCT
easat-2280	358	20	g.	g.	PROPN
easat-2280	358	21	e.	e.	PROPN
easat-2280	358	22	(	(	PUNCT
easat-2280	358	23	2023	2023	NUM
easat-2280	358	24	)	)	PUNCT
easat-2280	358	25	.	.	PUNCT
easat-2280	359	1	the	the	DET
easat-2280	359	2	association	association	NOUN
easat-2280	359	3	between	between	ADP
easat-2280	359	4	intelligence	intelligence	NOUN
easat-2280	359	5	and	and	CCONJ
easat-2280	359	6	financial	financial	ADJ
easat-2280	359	7	literacy	literacy	NOUN
easat-2280	359	8	:	:	PUNCT
easat-2280	359	9	a	a	DET
easat-2280	359	10	conceptual	conceptual	ADJ
easat-2280	359	11	and	and	CCONJ
easat-2280	359	12	meta	meta	ADJ
easat-2280	359	13	-	-	PUNCT
easat-2280	359	14	analytic	analytic	ADJ
easat-2280	359	15	review	review	NOUN
easat-2280	359	16	.	.	PUNCT
easat-2280	360	1	intelligence	intelligence	NOUN
easat-2280	360	2	,	,	PUNCT
easat-2280	360	3	100(july	100(july	ADV
easat-2280	360	4	)	)	PUNCT
easat-2280	360	5	,	,	PUNCT
easat-2280	360	6	101781	101781	NUM
easat-2280	360	7	.	.	PUNCT
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easat-2280	361	3	17	17	NUM
easat-2280	361	4	]	]	X
easat-2280	361	5	cfp	cfp	PROPN
easat-2280	361	6	board	board	PROPN
easat-2280	361	7	.	.	PUNCT
easat-2280	362	1	(	(	PUNCT
easat-2280	362	2	2022	2022	NUM
easat-2280	362	3	)	)	PUNCT
easat-2280	362	4	.	.	PUNCT
easat-2280	363	1	guide	guide	VERB
easat-2280	363	2	to	to	ADP
easat-2280	363	3	the	the	DET
easat-2280	363	4	7	7	NUM
easat-2280	363	5	-	-	PUNCT
easat-2280	363	6	step	step	NOUN
easat-2280	363	7	financial	financial	ADJ
easat-2280	363	8	planning	planning	NOUN
easat-2280	363	9	process	process	NOUN
easat-2280	363	10	.	.	PUNCT
easat-2280	364	1	january	january	PROPN
easat-2280	364	2	.	.	PUNCT
easat-2280	365	1	https://www.cfp.net/-/media/files/cfpboard/standards-and-ethics/compliance-resources/guide-to-financial-planningprocess.pdf?la=en&hash=a8f02cc2451be07e4fb05de009a64	https://www.cfp.net/-/media/files/cfpboard/standards-and-ethics/compliance-resources/guide-to-financial-planningprocess.pdf?la=en&hash=a8f02cc2451be07e4fb05de009a64	PROPN
easat-2280	365	2	[	[	X
easat-2280	365	3	18	18	NUM
easat-2280	365	4	]	]	PUNCT
easat-2280	365	5	darnida	darnida	PROPN
easat-2280	365	6	,	,	PUNCT
easat-2280	365	7	y.	y.	PROPN
easat-2280	365	8	c.	c.	PROPN
easat-2280	365	9	,	,	PUNCT
easat-2280	365	10	haryono	haryono	PROPN
easat-2280	365	11	,	,	PUNCT
easat-2280	365	12	a.	a.	NOUN
easat-2280	365	13	,	,	PUNCT
easat-2280	365	14	&	&	CCONJ
easat-2280	365	15	nurriqli	nurriqli	PROPN
easat-2280	365	16	,	,	PUNCT
easat-2280	365	17	a.	a.	NOUN
easat-2280	365	18	(	(	PUNCT
easat-2280	365	19	2024	2024	NUM
easat-2280	365	20	)	)	PUNCT
easat-2280	365	21	.	.	PUNCT
easat-2280	366	1	the	the	DET
easat-2280	366	2	role	role	NOUN
easat-2280	366	3	of	of	ADP
easat-2280	366	4	financial	financial	ADJ
easat-2280	366	5	technology	technology	NOUN
easat-2280	366	6	in	in	ADP
easat-2280	366	7	increasing	increase	VERB
easat-2280	366	8	financial	financial	ADJ
easat-2280	366	9	access	access	NOUN
easat-2280	366	10	.	.	PUNCT
easat-2280	367	1	3(2	3(2	NUM
easat-2280	367	2	)	)	PUNCT
easat-2280	367	3	,	,	PUNCT
easat-2280	367	4	474	474	NUM
easat-2280	367	5	–	–	PUNCT
easat-2280	367	6	493	493	NUM
easat-2280	367	7	.	.	PUNCT
easat-2280	368	1	https://creativecommons.org/licenses/by/4.0/	https://creativecommons.org/licenses/by/4.0/	PROPN
easat-2280	368	2	1592	1592	NUM
easat-2280	368	3	edelweiss	edelweiss	PROPN
easat-2280	368	4	applied	apply	VERB
easat-2280	368	5	science	science	NOUN
easat-2280	368	6	and	and	CCONJ
easat-2280	368	7	technology	technology	NOUN
easat-2280	368	8	issn	issn	PROPN
easat-2280	368	9	:	:	PUNCT
easat-2280	368	10	2576	2576	NUM
easat-2280	368	11	-	-	SYM
easat-2280	368	12	8484	8484	NUM
easat-2280	368	13	vol	vol	NOUN
easat-2280	368	14	.	.	PROPN
easat-2280	368	15	8	8	NUM
easat-2280	368	16	,	,	PUNCT
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easat-2280	368	18	.	.	NOUN
easat-2280	368	19	6	6	NUM
easat-2280	368	20	:	:	SYM
easat-2280	368	21	1577	1577	NUM
easat-2280	368	22	-	-	SYM
easat-2280	368	23	1597	1597	NUM
easat-2280	368	24	,	,	PUNCT
easat-2280	368	25	2024	2024	NUM
easat-2280	368	26	doi	doi	NOUN
easat-2280	368	27	:	:	PUNCT
easat-2280	368	28	10.55214/25768484.v8i6.2280	10.55214/25768484.v8i6.2280	NUM
easat-2280	368	29	©	©	PROPN
easat-2280	368	30	2024	2024	NUM
easat-2280	368	31	by	by	ADP
easat-2280	368	32	the	the	DET
easat-2280	368	33	authors	author	NOUN
easat-2280	368	34	;	;	PUNCT
easat-2280	368	35	licensee	licensee	PROPN
easat-2280	368	36	learning	learning	NOUN
easat-2280	368	37	gate	gate	NOUN
easat-2280	369	1	[	[	X
easat-2280	369	2	19	19	NUM
easat-2280	369	3	]	]	SYM
easat-2280	369	4	de	de	X
easat-2280	369	5	massis	massis	NOUN
easat-2280	369	6	,	,	PUNCT
easat-2280	369	7	a.	a.	NOUN
easat-2280	369	8	,	,	PUNCT
easat-2280	369	9	kotlar	kotlar	PROPN
easat-2280	369	10	,	,	PUNCT
easat-2280	369	11	j.	j.	PROPN
easat-2280	369	12	,	,	PUNCT
easat-2280	369	13	&	&	CCONJ
easat-2280	369	14	manelli	manelli	PROPN
easat-2280	369	15	,	,	PUNCT
easat-2280	369	16	l.	l.	PROPN
easat-2280	369	17	(	(	PUNCT
easat-2280	369	18	2021	2021	NUM
easat-2280	369	19	)	)	PUNCT
easat-2280	369	20	.	.	PUNCT
easat-2280	370	1	family	family	NOUN
easat-2280	370	2	firms	firm	NOUN
easat-2280	370	3	,	,	PUNCT
easat-2280	370	4	family	family	NOUN
easat-2280	370	5	boundary	boundary	ADJ
easat-2280	370	6	organizations	organization	NOUN
easat-2280	370	7	,	,	PUNCT
easat-2280	370	8	and	and	CCONJ
easat-2280	370	9	the	the	DET
easat-2280	370	10	family	family	NOUN
easat-2280	370	11	-	-	PUNCT
easat-2280	370	12	related	relate	VERB
easat-2280	370	13	organizational	organizational	ADJ
easat-2280	370	14	ecosystem	ecosystem	NOUN
easat-2280	370	15	.	.	PUNCT
easat-2280	371	1	family	family	NOUN
easat-2280	371	2	business	business	PROPN
easat-2280	371	3	review	review	PROPN
easat-2280	371	4	,	,	PUNCT
easat-2280	371	5	34(4	34(4	NUM
easat-2280	371	6	)	)	PUNCT
easat-2280	371	7	,	,	PUNCT
easat-2280	371	8	350–364	350–364	NUM
easat-2280	371	9	.	.	PUNCT
easat-2280	371	10	https://doi.org/10.1177/08944865211052195	https://doi.org/10.1177/08944865211052195	NOUN
easat-2280	372	1	[	[	X
easat-2280	372	2	20	20	NUM
easat-2280	372	3	]	]	X
easat-2280	372	4	delafrooz	delafrooz	VERB
easat-2280	372	5	,	,	PUNCT
easat-2280	372	6	n.	n.	NOUN
easat-2280	372	7	,	,	PUNCT
easat-2280	372	8	&	&	CCONJ
easat-2280	372	9	paim	paim	PROPN
easat-2280	372	10	,	,	PUNCT
easat-2280	372	11	l.	l.	PROPN
easat-2280	372	12	(	(	PUNCT
easat-2280	372	13	2011	2011	NUM
easat-2280	372	14	)	)	PUNCT
easat-2280	372	15	.	.	PUNCT
easat-2280	373	1	personal	personal	ADJ
easat-2280	373	2	saving	save	VERB
easat-2280	373	3	behavior	behavior	NOUN
easat-2280	373	4	among	among	ADP
easat-2280	373	5	malaysian	malaysian	ADJ
easat-2280	373	6	employees	employee	NOUN
easat-2280	373	7	:	:	PUNCT
easat-2280	373	8	socio	socio	VERB
easat-2280	373	9	demographic	demographic	ADJ
easat-2280	373	10	comparison	comparison	NOUN
easat-2280	373	11	.	.	PUNCT
easat-2280	374	1	international	international	ADJ
easat-2280	374	2	conference	conference	NOUN
easat-2280	374	3	on	on	ADP
easat-2280	374	4	social	social	ADJ
easat-2280	374	5	and	and	CCONJ
easat-2280	374	6	humanity	humanity	NOUN
easat-2280	374	7	,	,	PUNCT
easat-2280	374	8	5(july	5(july	NOUN
easat-2280	374	9	)	)	PUNCT
easat-2280	374	10	,	,	PUNCT
easat-2280	374	11	361–363	361–363	NUM
easat-2280	374	12	.	.	PUNCT
easat-2280	375	1	http://www.ipedr.com/vol5/no2/79h10207.pdf	http://www.ipedr.com/vol5/no2/79h10207.pdf	NOUN
easat-2280	376	1	[	[	X
easat-2280	376	2	21	21	NUM
easat-2280	376	3	]	]	X
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easat-2280	376	5	,	,	PUNCT
easat-2280	376	6	u.	u.	PROPN
easat-2280	376	7	,	,	PUNCT
easat-2280	376	8	tam	tam	PROPN
easat-2280	376	9	,	,	PUNCT
easat-2280	376	10	l.	l.	PROPN
easat-2280	376	11	,	,	PUNCT
easat-2280	376	12	yoon	yoon	PROPN
easat-2280	376	13	,	,	PUNCT
easat-2280	376	14	s.	s.	PROPN
easat-2280	376	15	,	,	PUNCT
easat-2280	376	16	&	&	CCONJ
easat-2280	376	17	wong	wong	PROPN
easat-2280	376	18	,	,	PUNCT
easat-2280	376	19	n.	n.	PROPN
easat-2280	376	20	(	(	PUNCT
easat-2280	376	21	2016	2016	NUM
easat-2280	376	22	)	)	PUNCT
easat-2280	376	23	.	.	PUNCT
easat-2280	377	1	the	the	DET
easat-2280	377	2	ant	ant	NOUN
easat-2280	377	3	and	and	CCONJ
easat-2280	377	4	the	the	DET
easat-2280	377	5	grasshopper	grasshopper	NOUN
easat-2280	377	6	:	:	PUNCT
easat-2280	377	7	understanding	understand	VERB
easat-2280	377	8	personal	personal	ADJ
easat-2280	377	9	saving	saving	NOUN
easat-2280	377	10	orientation	orientation	NOUN
easat-2280	377	11	of	of	ADP
easat-2280	377	12	consumers	consumer	NOUN
easat-2280	377	13	.	.	PUNCT
easat-2280	378	1	journal	journal	NOUN
easat-2280	378	2	of	of	ADP
easat-2280	378	3	consumer	consumer	NOUN
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easat-2280	378	5	,	,	PUNCT
easat-2280	378	6	43(1	43(1	NOUN
easat-2280	378	7	)	)	PUNCT
easat-2280	378	8	,	,	PUNCT
easat-2280	378	9	134–155	134–155	NUM
easat-2280	378	10	.	.	PUNCT
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easat-2280	379	2	[	[	X
easat-2280	379	3	22	22	NUM
easat-2280	379	4	]	]	PUNCT
easat-2280	379	5	dogra	dogra	PROPN
easat-2280	379	6	,	,	PUNCT
easat-2280	379	7	p.	p.	PROPN
easat-2280	379	8	,	,	PUNCT
easat-2280	379	9	kaushal	kaushal	PROPN
easat-2280	379	10	,	,	PUNCT
easat-2280	379	11	a.	a.	PROPN
easat-2280	379	12	,	,	PUNCT
easat-2280	379	13	&	&	CCONJ
easat-2280	379	14	sharma	sharma	PROPN
easat-2280	379	15	,	,	PUNCT
easat-2280	379	16	r.	r.	PROPN
easat-2280	379	17	r.	r.	PROPN
easat-2280	379	18	(	(	PUNCT
easat-2280	379	19	2023	2023	NUM
easat-2280	379	20	)	)	PUNCT
easat-2280	379	21	.	.	PUNCT
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easat-2280	380	3	the	the	DET
easat-2280	380	4	youngster	youngster	NOUN
easat-2280	380	5	’s	’s	PART
easat-2280	380	6	awareness	awareness	NOUN
easat-2280	380	7	about	about	ADP
easat-2280	380	8	financial	financial	ADJ
easat-2280	380	9	literacy	literacy	NOUN
easat-2280	380	10	:	:	PUNCT
easat-2280	380	11	a	a	DET
easat-2280	380	12	structure	structure	NOUN
easat-2280	380	13	equation	equation	NOUN
easat-2280	380	14	modelling	model	VERB
easat-2280	380	15	approach	approach	NOUN
easat-2280	380	16	.	.	PUNCT
easat-2280	381	1	vision	vision	NOUN
easat-2280	381	2	,	,	PUNCT
easat-2280	381	3	27(1	27(1	NUM
easat-2280	381	4	)	)	PUNCT
easat-2280	381	5	,	,	PUNCT
easat-2280	381	6	48–62	48–62	NUM
easat-2280	381	7	.	.	PUNCT
easat-2280	382	1	https://doi.org/10.1177/0972262921996560	https://doi.org/10.1177/0972262921996560	PROPN
easat-2280	383	1	[	[	X
easat-2280	383	2	23	23	NUM
easat-2280	383	3	]	]	X
easat-2280	383	4	gerhard	gerhard	PROPN
easat-2280	383	5	,	,	PUNCT
easat-2280	383	6	p.	p.	PROPN
easat-2280	383	7	,	,	PUNCT
easat-2280	383	8	gladstone	gladstone	PROPN
easat-2280	383	9	,	,	PUNCT
easat-2280	383	10	j.	j.	PROPN
easat-2280	383	11	j.	j.	PROPN
easat-2280	383	12	,	,	PUNCT
easat-2280	383	13	&	&	CCONJ
easat-2280	383	14	hoffmann	hoffmann	PROPN
easat-2280	383	15	,	,	PUNCT
easat-2280	383	16	a.	a.	PROPN
easat-2280	383	17	o.	o.	PROPN
easat-2280	383	18	i.	i.	PROPN
easat-2280	383	19	(	(	PUNCT
easat-2280	383	20	2018	2018	NUM
easat-2280	383	21	)	)	PUNCT
easat-2280	383	22	.	.	PUNCT
easat-2280	384	1	psychological	psychological	ADJ
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easat-2280	384	3	and	and	CCONJ
easat-2280	384	4	household	household	NOUN
easat-2280	384	5	savings	saving	NOUN
easat-2280	384	6	behavior	behavior	NOUN
easat-2280	384	7	:	:	PUNCT
easat-2280	384	8	the	the	DET
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easat-2280	384	11	accounting	account	VERB
easat-2280	384	12	for	for	ADP
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easat-2280	384	14	heterogeneity	heterogeneity	NOUN
easat-2280	384	15	.	.	PUNCT
easat-2280	385	1	journal	journal	NOUN
easat-2280	385	2	of	of	ADP
easat-2280	385	3	economic	economic	ADJ
easat-2280	385	4	behavior	behavior	NOUN
easat-2280	385	5	and	and	CCONJ
easat-2280	385	6	organization	organization	NOUN
easat-2280	385	7	,	,	PUNCT
easat-2280	385	8	148	148	NUM
easat-2280	385	9	,	,	PUNCT
easat-2280	385	10	66–82	66–82	NUM
easat-2280	385	11	.	.	PUNCT
easat-2280	386	1	https://doi.org/10.1016/j.jebo.2018.02.013	https://doi.org/10.1016/j.jebo.2018.02.013	NOUN
easat-2280	386	2	[	[	NOUN
easat-2280	386	3	24	24	NUM
easat-2280	386	4	]	]	PUNCT
easat-2280	386	5	golestan	golestan	PROPN
easat-2280	386	6	,	,	PUNCT
easat-2280	386	7	s.	s.	PROPN
easat-2280	386	8	,	,	PUNCT
easat-2280	386	9	h.	h.	PROPN
easat-2280	386	10	hamsan	hamsan	PROPN
easat-2280	386	11	,	,	PUNCT
easat-2280	386	12	h.	h.	PROPN
easat-2280	386	13	,	,	PUNCT
easat-2280	386	14	&	&	CCONJ
easat-2280	386	15	binti	binti	PROPN
easat-2280	386	16	abdullah	abdullah	PROPN
easat-2280	386	17	,	,	PUNCT
easat-2280	386	18	h.	h.	PROPN
easat-2280	386	19	(	(	PUNCT
easat-2280	386	20	2014	2014	NUM
easat-2280	386	21	)	)	PUNCT
easat-2280	386	22	.	.	PUNCT
easat-2280	387	1	the	the	DET
easat-2280	387	2	moderating	moderate	VERB
easat-2280	387	3	effects	effect	NOUN
easat-2280	387	4	of	of	ADP
easat-2280	387	5	self	self	NOUN
easat-2280	387	6	-	-	PUNCT
easat-2280	387	7	efficacy	efficacy	NOUN
easat-2280	387	8	on	on	ADP
easat-2280	387	9	the	the	DET
easat-2280	387	10	relationship	relationship	NOUN
easat-2280	387	11	between	between	ADP
easat-2280	387	12	personality	personality	NOUN
easat-2280	387	13	traits	trait	NOUN
easat-2280	387	14	(	(	PUNCT
easat-2280	387	15	extraversion	extraversion	NOUN
easat-2280	387	16	,	,	PUNCT
easat-2280	387	17	neuroticism	neuroticism	NOUN
easat-2280	387	18	,	,	PUNCT
easat-2280	387	19	agreeableness	agreeableness	NOUN
easat-2280	387	20	,	,	PUNCT
easat-2280	387	21	openness	openness	NOUN
easat-2280	387	22	,	,	PUNCT
easat-2280	387	23	and	and	CCONJ
easat-2280	387	24	conscientiousness	conscientiousness	NOUN
easat-2280	387	25	)	)	PUNCT
easat-2280	387	26	and	and	CCONJ
easat-2280	387	27	cigarette	cigarette	NOUN
easat-2280	387	28	smoking	smoking	NOUN
easat-2280	387	29	behavior	behavior	NOUN
easat-2280	387	30	among	among	ADP
easat-2280	387	31	adolescents	adolescent	NOUN
easat-2280	387	32	in	in	ADP
easat-2280	387	33	kerman	kerman	PROPN
easat-2280	387	34	,	,	PUNCT
easat-2280	387	35	iran	iran	PROPN
easat-2280	387	36	.	.	PUNCT
easat-2280	388	1	asian	asian	ADJ
easat-2280	388	2	culture	culture	NOUN
easat-2280	388	3	and	and	CCONJ
easat-2280	388	4	history	history	NOUN
easat-2280	388	5	,	,	PUNCT
easat-2280	388	6	7(1	7(1	NUM
easat-2280	388	7	)	)	PUNCT
easat-2280	388	8	.	.	PUNCT
easat-2280	389	1	https://doi.org/10.5539/ach.v7n1p187	https://doi.org/10.5539/ach.v7n1p187	PROPN
easat-2280	389	2	[	[	X
easat-2280	389	3	25	25	NUM
easat-2280	389	4	]	]	PUNCT
easat-2280	389	5	greene	greene	PROPN
easat-2280	389	6	,	,	PUNCT
easat-2280	389	7	c.	c.	PROPN
easat-2280	389	8	,	,	PUNCT
easat-2280	389	9	shy	shy	ADJ
easat-2280	389	10	,	,	PUNCT
easat-2280	389	11	o.	o.	ADJ
easat-2280	389	12	,	,	PUNCT
easat-2280	389	13	&	&	CCONJ
easat-2280	389	14	stavins	stavin	NOUN
easat-2280	389	15	,	,	PUNCT
easat-2280	389	16	j.	j.	PROPN
easat-2280	389	17	(	(	PUNCT
easat-2280	389	18	2023	2023	NUM
easat-2280	389	19	)	)	PUNCT
easat-2280	389	20	.	.	PUNCT
easat-2280	390	1	personality	personality	NOUN
easat-2280	390	2	traits	trait	NOUN
easat-2280	390	3	and	and	CCONJ
easat-2280	390	4	financial	financial	ADJ
easat-2280	390	5	outcomes	outcome	NOUN
easat-2280	390	6	.	.	PUNCT
easat-2280	391	1	working	work	VERB
easat-2280	391	2	paper	paper	NOUN
easat-2280	391	3	series	series	NOUN
easat-2280	391	4	(	(	PUNCT
easat-2280	391	5	federal	federal	PROPN
easat-2280	391	6	reserve	reserve	PROPN
easat-2280	391	7	bank	bank	PROPN
easat-2280	391	8	of	of	ADP
easat-2280	391	9	boston	boston	PROPN
easat-2280	391	10	)	)	PUNCT
easat-2280	391	11	,	,	PUNCT
easat-2280	391	12	23(4	23(4	NOUN
easat-2280	391	13	)	)	PUNCT
easat-2280	391	14	,	,	PUNCT
easat-2280	391	15	1–31	1–31	PROPN
easat-2280	391	16	.	.	PUNCT
easat-2280	392	1	https://search.ebscohost.com/login.aspx?direct=true&db=bth&an=163682568&site=ehost-live	https://search.ebscohost.com/login.aspx?direct=true&db=bth&an=163682568&site=ehost-live	PROPN
easat-2280	392	2	[	[	X
easat-2280	392	3	26	26	NUM
easat-2280	392	4	]	]	PUNCT
easat-2280	392	5	gudmunson	gudmunson	NOUN
easat-2280	392	6	,	,	PUNCT
easat-2280	392	7	c.	c.	PROPN
easat-2280	392	8	g.	g.	PROPN
easat-2280	392	9	(	(	PUNCT
easat-2280	392	10	2011	2011	NUM
easat-2280	392	11	)	)	PUNCT
easat-2280	392	12	.	.	PUNCT
easat-2280	393	1	researcher	researcher	NOUN
easat-2280	393	2	profile	profile	NOUN
easat-2280	393	3	:	:	PUNCT
easat-2280	393	4	an	an	DET
easat-2280	393	5	interview	interview	NOUN
easat-2280	393	6	with	with	ADP
easat-2280	393	7	clinton	clinton	PROPN
easat-2280	393	8	g.	g.	PROPN
easat-2280	393	9	gudmunson	gudmunson	PROPN
easat-2280	393	10	,	,	PUNCT
easat-2280	393	11	ph.d	ph.d	PROPN
easat-2280	393	12	.	.	PROPN
easat-2280	393	13	journal	journal	PROPN
easat-2280	393	14	of	of	ADP
easat-2280	393	15	financial	financial	ADJ
easat-2280	393	16	therapy	therapy	NOUN
easat-2280	393	17	,	,	PUNCT
easat-2280	393	18	2(2	2(2	NUM
easat-2280	393	19	)	)	PUNCT
easat-2280	393	20	.	.	PUNCT
easat-2280	394	1	https://doi.org/10.4148/jft.v2i2.1557	https://doi.org/10.4148/jft.v2i2.1557	X
easat-2280	395	1	[	[	X
easat-2280	395	2	27	27	NUM
easat-2280	395	3	]	]	X
easat-2280	395	4	harsono	harsono	PROPN
easat-2280	395	5	,	,	PUNCT
easat-2280	395	6	i.	i.	PROPN
easat-2280	395	7	,	,	PUNCT
easat-2280	395	8	&	&	CCONJ
easat-2280	395	9	suprapti	suprapti	PROPN
easat-2280	395	10	,	,	PUNCT
easat-2280	395	11	i.	i.	PROPN
easat-2280	395	12	a.	a.	PROPN
easat-2280	395	13	p.	p.	PROPN
easat-2280	395	14	(	(	PUNCT
easat-2280	395	15	2024	2024	NUM
easat-2280	395	16	)	)	PUNCT
easat-2280	395	17	.	.	PUNCT
easat-2280	396	1	the	the	DET
easat-2280	396	2	role	role	NOUN
easat-2280	396	3	of	of	ADP
easat-2280	396	4	fintech	fintech	NOUN
easat-2280	396	5	in	in	ADP
easat-2280	396	6	transforming	transform	VERB
easat-2280	396	7	traditional	traditional	ADJ
easat-2280	396	8	financial	financial	ADJ
easat-2280	396	9	services	service	NOUN
easat-2280	396	10	.	.	PUNCT
easat-2280	397	1	accounting	accounting	NOUN
easat-2280	397	2	studies	study	NOUN
easat-2280	397	3	and	and	CCONJ
easat-2280	397	4	tax	tax	NOUN
easat-2280	397	5	journal	journal	NOUN
easat-2280	397	6	(	(	PUNCT
easat-2280	397	7	count	count	NOUN
easat-2280	397	8	)	)	PUNCT
easat-2280	397	9	,	,	PUNCT
easat-2280	397	10	1(1	1(1	NUM
easat-2280	397	11	)	)	PUNCT
easat-2280	397	12	,	,	PUNCT
easat-2280	397	13	81–91	81–91	NUM
easat-2280	397	14	.	.	PUNCT
easat-2280	398	1	https://doi.org/10.62207/gfzvtd24	https://doi.org/10.62207/gfzvtd24	X
easat-2280	399	1	[	[	X
easat-2280	399	2	28	28	NUM
easat-2280	399	3	]	]	X
easat-2280	399	4	hodge	hodge	PROPN
easat-2280	399	5	,	,	PUNCT
easat-2280	399	6	l.	l.	PROPN
easat-2280	399	7	(	(	PUNCT
easat-2280	399	8	2020	2020	NUM
easat-2280	399	9	)	)	PUNCT
easat-2280	399	10	.	.	PUNCT
easat-2280	400	1	financial	financial	ADJ
easat-2280	400	2	technology	technology	NOUN
easat-2280	400	3	:	:	PUNCT
easat-2280	400	4	opportunities	opportunity	NOUN
easat-2280	400	5	and	and	CCONJ
easat-2280	400	6	challenges	challenge	NOUN
easat-2280	400	7	to	to	ADP
easat-2280	400	8	law	law	NOUN
easat-2280	400	9	and	and	CCONJ
easat-2280	400	10	regulation	regulation	NOUN
easat-2280	400	11	.	.	PUNCT
easat-2280	401	1	artificial	artificial	ADJ
easat-2280	401	2	intelligence	intelligence	NOUN
easat-2280	401	3	and	and	CCONJ
easat-2280	401	4	the	the	DET
easat-2280	401	5	law	law	NOUN
easat-2280	401	6	.	.	PUNCT
easat-2280	402	1	https://doi.org/10.4324/9780429344015-2	https://doi.org/10.4324/9780429344015-2	PROPN
easat-2280	403	1	[	[	X
easat-2280	403	2	29	29	NUM
easat-2280	403	3	]	]	X
easat-2280	403	4	huston	huston	PROPN
easat-2280	403	5	,	,	PUNCT
easat-2280	403	6	s.	s.	PROPN
easat-2280	403	7	j.	j.	PROPN
easat-2280	403	8	(	(	PUNCT
easat-2280	403	9	2010	2010	NUM
easat-2280	403	10	)	)	PUNCT
easat-2280	403	11	.	.	PUNCT
easat-2280	404	1	measuring	measure	VERB
easat-2280	404	2	financial	financial	ADJ
easat-2280	404	3	literacy	literacy	NOUN
easat-2280	404	4	.	.	PUNCT
easat-2280	405	1	journal	journal	NOUN
easat-2280	405	2	of	of	ADP
easat-2280	405	3	consumer	consumer	NOUN
easat-2280	405	4	affairs	affair	NOUN
easat-2280	405	5	,	,	PUNCT
easat-2280	405	6	44(2	44(2	NOUN
easat-2280	405	7	)	)	PUNCT
easat-2280	405	8	,	,	PUNCT
easat-2280	405	9	296–316	296–316	NUM
easat-2280	405	10	.	.	PUNCT
easat-2280	406	1	https://doi.org/10.1111/j.1745-6606.2010.01170.x	https://doi.org/10.1111/j.1745-6606.2010.01170.x	PROPN
easat-2280	407	1	[	[	X
easat-2280	407	2	30	30	NUM
easat-2280	407	3	]	]	SYM
easat-2280	407	4	ishfaq	ishfaq	NOUN
easat-2280	407	5	,	,	PUNCT
easat-2280	407	6	m.	m.	NOUN
easat-2280	407	7	,	,	PUNCT
easat-2280	407	8	nazir	nazir	PROPN
easat-2280	407	9	,	,	PUNCT
easat-2280	407	10	m.	m.	PROPN
easat-2280	407	11	s.	s.	PROPN
easat-2280	407	12	,	,	PUNCT
easat-2280	407	13	qamar	qamar	PROPN
easat-2280	407	14	,	,	PUNCT
easat-2280	407	15	m.	m.	NOUN
easat-2280	407	16	a.	a.	PROPN
easat-2280	407	17	j.	j.	PROPN
easat-2280	407	18	,	,	PUNCT
easat-2280	407	19	&	&	CCONJ
easat-2280	407	20	usman	usman	PROPN
easat-2280	407	21	,	,	PUNCT
easat-2280	407	22	m.	m.	NOUN
easat-2280	407	23	(	(	PUNCT
easat-2280	407	24	2020	2020	NUM
easat-2280	407	25	)	)	PUNCT
easat-2280	407	26	.	.	PUNCT
easat-2280	408	1	cognitive	cognitive	ADJ
easat-2280	408	2	bias	bias	NOUN
easat-2280	408	3	and	and	CCONJ
easat-2280	408	4	the	the	DET
easat-2280	408	5	extraversion	extraversion	NOUN
easat-2280	408	6	personality	personality	NOUN
easat-2280	408	7	shaping	shape	VERB
easat-2280	408	8	the	the	DET
easat-2280	408	9	behavior	behavior	NOUN
easat-2280	408	10	of	of	ADP
easat-2280	408	11	investors	investor	NOUN
easat-2280	408	12	.	.	PUNCT
easat-2280	409	1	frontiers	frontier	NOUN
easat-2280	409	2	in	in	ADP
easat-2280	409	3	psychology	psychology	NOUN
easat-2280	409	4	,	,	PUNCT
easat-2280	409	5	11(october	11(october	NUM
easat-2280	409	6	)	)	PUNCT
easat-2280	409	7	,	,	PUNCT
easat-2280	409	8	1–11	1–11	PROPN
easat-2280	409	9	.	.	PUNCT
easat-2280	410	1	https://doi.org/10.3389/fpsyg.2020.556506	https://doi.org/10.3389/fpsyg.2020.556506	PROPN
easat-2280	411	1	[	[	X
easat-2280	411	2	31	31	NUM
easat-2280	411	3	]	]	X
easat-2280	411	4	kodama	kodama	PROPN
easat-2280	411	5	,	,	PUNCT
easat-2280	411	6	w.	w.	PROPN
easat-2280	411	7	,	,	PUNCT
easat-2280	411	8	morgan	morgan	PROPN
easat-2280	411	9	,	,	PUNCT
easat-2280	411	10	p.	p.	PROPN
easat-2280	411	11	,	,	PUNCT
easat-2280	411	12	azhgaliyeva	azhgaliyeva	PROPN
easat-2280	411	13	,	,	PUNCT
easat-2280	411	14	d.	d.	PROPN
easat-2280	411	15	,	,	PUNCT
easat-2280	411	16	&	&	CCONJ
easat-2280	411	17	trinh	trinh	PROPN
easat-2280	411	18	,	,	PUNCT
easat-2280	411	19	l.	l.	PROPN
easat-2280	411	20	(	(	PUNCT
easat-2280	411	21	2024	2024	NUM
easat-2280	411	22	)	)	PUNCT
easat-2280	411	23	.	.	PUNCT
easat-2280	412	1	financial	financial	ADJ
easat-2280	412	2	literacy	literacy	NOUN
easat-2280	412	3	and	and	CCONJ
easat-2280	412	4	fintech	fintech	NOUN
easat-2280	412	5	use	use	NOUN
easat-2280	412	6	in	in	ADP
easat-2280	412	7	family	family	NOUN
easat-2280	412	8	business	business	NOUN
easat-2280	412	9	.	.	PUNCT
easat-2280	413	1	1440	1440	NUM
easat-2280	413	2	.	.	PUNCT
easat-2280	414	1	https://www.adb.org/publications/financial-literacy-and-fintech-use-in-family-business	https://www.adb.org/publications/financial-literacy-and-fintech-use-in-family-business	PROPN
easat-2280	415	1	[	[	X
easat-2280	415	2	32	32	NUM
easat-2280	415	3	]	]	PUNCT
easat-2280	415	4	kunnathuvalappil	kunnathuvalappil	PROPN
easat-2280	415	5	hariharan	hariharan	PROPN
easat-2280	415	6	,	,	PUNCT
easat-2280	415	7	n.	n.	NOUN
easat-2280	415	8	(	(	PUNCT
easat-2280	415	9	2018	2018	NUM
easat-2280	415	10	)	)	PUNCT
easat-2280	415	11	.	.	PUNCT
easat-2280	416	1	artificial	artificial	ADJ
easat-2280	416	2	intelligence	intelligence	NOUN
easat-2280	416	3	and	and	CCONJ
easat-2280	416	4	human	human	ADJ
easat-2280	416	5	collaboration	collaboration	NOUN
easat-2280	416	6	in	in	ADP
easat-2280	416	7	financial	financial	ADJ
easat-2280	416	8	planning	planning	NOUN
easat-2280	416	9	.	.	PUNCT
easat-2280	417	1	journal	journal	NOUN
easat-2280	417	2	of	of	ADP
easat-2280	417	3	emerging	emerge	VERB
easat-2280	417	4	technologies	technology	NOUN
easat-2280	417	5	and	and	CCONJ
easat-2280	417	6	innovative	innovative	ADJ
easat-2280	417	7	research	research	NOUN
easat-2280	417	8	,	,	PUNCT
easat-2280	417	9	5(7	5(7	NUM
easat-2280	417	10	)	)	PUNCT
easat-2280	417	11	,	,	PUNCT
easat-2280	417	12	1348–1355	1348–1355	NUM
easat-2280	417	13	.	.	PUNCT
easat-2280	418	1	[	[	X
easat-2280	418	2	33	33	NUM
easat-2280	418	3	]	]	PUNCT
easat-2280	418	4	legenzova	legenzova	X
easat-2280	418	5	,	,	PUNCT
easat-2280	418	6	r.	r.	PROPN
easat-2280	418	7	,	,	PUNCT
easat-2280	418	8	&	&	CCONJ
easat-2280	418	9	leckė	leckė	PROPN
easat-2280	418	10	,	,	PUNCT
easat-2280	418	11	g.	g.	PROPN
easat-2280	418	12	(	(	PUNCT
easat-2280	418	13	2024	2024	NUM
easat-2280	418	14	)	)	PUNCT
easat-2280	418	15	.	.	PUNCT
easat-2280	419	1	the	the	DET
easat-2280	419	2	link	link	NOUN
easat-2280	419	3	between	between	ADP
easat-2280	419	4	family	family	NOUN
easat-2280	419	5	financial	financial	ADJ
easat-2280	419	6	socialization	socialization	NOUN
easat-2280	419	7	in	in	ADP
easat-2280	419	8	adulthood	adulthood	NOUN
easat-2280	419	9	and	and	CCONJ
easat-2280	419	10	investment	investment	NOUN
easat-2280	419	11	literacy	literacy	NOUN
easat-2280	419	12	of	of	ADP
easat-2280	419	13	p2p	p2p	NOUN
easat-2280	419	14	investors	investor	NOUN
easat-2280	419	15	.	.	PUNCT
easat-2280	420	1	journal	journal	PROPN
easat-2280	420	2	of	of	ADP
easat-2280	420	3	family	family	NOUN
easat-2280	420	4	and	and	CCONJ
easat-2280	420	5	economic	economic	ADJ
easat-2280	420	6	issues	issue	NOUN
easat-2280	420	7	.	.	PUNCT
easat-2280	421	1	https://doi.org/10.1007/s10834-024-09962-y	https://doi.org/10.1007/s10834-024-09962-y	X
easat-2280	422	1	[	[	X
easat-2280	422	2	34	34	NUM
easat-2280	422	3	]	]	SYM
easat-2280	422	4	li	li	PROPN
easat-2280	422	5	,	,	PUNCT
easat-2280	422	6	b.	b.	PROPN
easat-2280	422	7	,	,	PUNCT
easat-2280	422	8	&	&	CCONJ
easat-2280	422	9	xu	xu	PROPN
easat-2280	422	10	,	,	PUNCT
easat-2280	422	11	z.	z.	PROPN
easat-2280	422	12	(	(	PUNCT
easat-2280	422	13	2021	2021	NUM
easat-2280	422	14	)	)	PUNCT
easat-2280	422	15	.	.	PUNCT
easat-2280	423	1	insights	insight	NOUN
easat-2280	423	2	into	into	ADP
easat-2280	423	3	financial	financial	ADJ
easat-2280	423	4	technology	technology	NOUN
easat-2280	423	5	(	(	PUNCT
easat-2280	423	6	fintech	fintech	NOUN
easat-2280	423	7	):	):	PUNCT
easat-2280	423	8	a	a	DET
easat-2280	423	9	bibliometric	bibliometric	ADJ
easat-2280	423	10	and	and	CCONJ
easat-2280	423	11	visual	visual	ADJ
easat-2280	423	12	study	study	NOUN
easat-2280	423	13	.	.	PUNCT
easat-2280	424	1	in	in	ADP
easat-2280	424	2	financial	financial	ADJ
easat-2280	424	3	innovation	innovation	NOUN
easat-2280	424	4	.	.	PUNCT
easat-2280	425	1	springer	springer	NOUN
easat-2280	425	2	.	.	PUNCT
easat-2280	426	1	https://doi.org/10.1186/s40854-021-00285-7	https://doi.org/10.1186/s40854-021-00285-7	NUM
easat-2280	427	1	[	[	X
easat-2280	427	2	35	35	NUM
easat-2280	427	3	]	]	X
easat-2280	427	4	liu	liu	PROPN
easat-2280	427	5	,	,	PUNCT
easat-2280	427	6	q.	q.	PROPN
easat-2280	427	7	,	,	PUNCT
easat-2280	427	8	chan	chan	PROPN
easat-2280	427	9	,	,	PUNCT
easat-2280	427	10	k.	k.	PROPN
easat-2280	427	11	c.	c.	PROPN
easat-2280	427	12	,	,	PUNCT
easat-2280	427	13	&	&	CCONJ
easat-2280	427	14	chimhundu	chimhundu	PROPN
easat-2280	427	15	,	,	PUNCT
easat-2280	427	16	r.	r.	PROPN
easat-2280	427	17	(	(	PUNCT
easat-2280	427	18	2024	2024	NUM
easat-2280	427	19	)	)	PUNCT
easat-2280	427	20	.	.	PUNCT
easat-2280	428	1	fintech	fintech	NOUN
easat-2280	428	2	research	research	NOUN
easat-2280	428	3	:	:	PUNCT
easat-2280	428	4	systematic	systematic	ADJ
easat-2280	428	5	mapping	mapping	NOUN
easat-2280	428	6	,	,	PUNCT
easat-2280	428	7	classification	classification	NOUN
easat-2280	428	8	,	,	PUNCT
easat-2280	428	9	and	and	CCONJ
easat-2280	428	10	future	future	ADJ
easat-2280	428	11	directions	direction	NOUN
easat-2280	428	12	.	.	PUNCT
easat-2280	429	1	financial	financial	ADJ
easat-2280	429	2	innovation	innovation	NOUN
easat-2280	429	3	,	,	PUNCT
easat-2280	429	4	10(1	10(1	NUM
easat-2280	429	5	)	)	PUNCT
easat-2280	429	6	.	.	PUNCT
easat-2280	430	1	https://doi.org/10.1186/s40854-023-00524-z	https://doi.org/10.1186/s40854-023-00524-z	PROPN
easat-2280	430	2	[	[	X
easat-2280	430	3	36	36	NUM
easat-2280	430	4	]	]	X
easat-2280	430	5	lusardi	lusardi	NOUN
easat-2280	430	6	,	,	PUNCT
easat-2280	430	7	a.	a.	NOUN
easat-2280	430	8	(	(	PUNCT
easat-2280	430	9	2019	2019	NUM
easat-2280	430	10	)	)	PUNCT
easat-2280	430	11	.	.	PUNCT
easat-2280	431	1	financial	financial	ADJ
easat-2280	431	2	literacy	literacy	NOUN
easat-2280	431	3	and	and	CCONJ
easat-2280	431	4	the	the	DET
easat-2280	431	5	need	need	NOUN
easat-2280	431	6	for	for	ADP
easat-2280	431	7	financial	financial	ADJ
easat-2280	431	8	education	education	NOUN
easat-2280	431	9	:	:	PUNCT
easat-2280	431	10	evidence	evidence	NOUN
easat-2280	431	11	and	and	CCONJ
easat-2280	431	12	implications	implication	NOUN
easat-2280	431	13	.	.	PUNCT
easat-2280	432	1	swiss	swiss	ADJ
easat-2280	432	2	journal	journal	PROPN
easat-2280	432	3	of	of	ADP
easat-2280	432	4	economics	economic	NOUN
easat-2280	432	5	and	and	CCONJ
easat-2280	432	6	statistics	statistic	NOUN
easat-2280	432	7	,	,	PUNCT
easat-2280	432	8	155(1	155(1	NUM
easat-2280	432	9	)	)	PUNCT
easat-2280	432	10	,	,	PUNCT
easat-2280	432	11	1–8	1–8	X
easat-2280	432	12	.	.	PUNCT
easat-2280	432	13	https://doi.org/10.1186/s41937-019-0027-5	https://doi.org/10.1186/s41937-019-0027-5	NUM
easat-2280	433	1	[	[	X
easat-2280	433	2	37	37	NUM
easat-2280	433	3	]	]	X
easat-2280	433	4	lusardi	lusardi	PROPN
easat-2280	433	5	,	,	PUNCT
easat-2280	433	6	a.	a.	NOUN
easat-2280	433	7	,	,	PUNCT
easat-2280	433	8	&	&	CCONJ
easat-2280	433	9	messy	messy	ADJ
easat-2280	433	10	,	,	PUNCT
easat-2280	433	11	f.-a	f.-a	NOUN
easat-2280	433	12	.	.	PUNCT
easat-2280	433	13	(	(	PUNCT
easat-2280	433	14	2023	2023	NUM
easat-2280	433	15	)	)	PUNCT
easat-2280	433	16	.	.	PUNCT
easat-2280	434	1	the	the	DET
easat-2280	434	2	importance	importance	NOUN
easat-2280	434	3	of	of	ADP
easat-2280	434	4	financial	financial	ADJ
easat-2280	434	5	literacy	literacy	NOUN
easat-2280	434	6	and	and	CCONJ
easat-2280	434	7	its	its	PRON
easat-2280	434	8	impact	impact	NOUN
easat-2280	434	9	on	on	ADP
easat-2280	434	10	financial	financial	ADJ
easat-2280	434	11	wellbeing	wellbeing	NOUN
easat-2280	434	12	.	.	PUNCT
easat-2280	435	1	journal	journal	NOUN
easat-2280	435	2	of	of	ADP
easat-2280	435	3	financial	financial	ADJ
easat-2280	435	4	literacy	literacy	NOUN
easat-2280	435	5	and	and	CCONJ
easat-2280	435	6	wellbeing	wellbeing	NOUN
easat-2280	435	7	,	,	PUNCT
easat-2280	435	8	1(1	1(1	NUM
easat-2280	435	9	)	)	PUNCT
easat-2280	435	10	,	,	PUNCT
easat-2280	435	11	1–11	1–11	PROPN
easat-2280	435	12	.	.	PUNCT
easat-2280	436	1	https://doi.org/10.1017/flw.2023.8	https://doi.org/10.1017/flw.2023.8	X
easat-2280	437	1	[	[	X
easat-2280	437	2	38	38	NUM
easat-2280	437	3	]	]	PUNCT
easat-2280	437	4	lusardi	lusardi	PROPN
easat-2280	437	5	,	,	PUNCT
easat-2280	437	6	a.	a.	PROPN
easat-2280	437	7	,	,	PUNCT
easat-2280	437	8	&	&	CCONJ
easat-2280	437	9	mitchell	mitchell	PROPN
easat-2280	437	10	,	,	PUNCT
easat-2280	437	11	o.	o.	PROPN
easat-2280	437	12	s.	s.	PROPN
easat-2280	437	13	(	(	PUNCT
easat-2280	437	14	2011	2011	NUM
easat-2280	437	15	)	)	PUNCT
easat-2280	437	16	.	.	PUNCT
easat-2280	438	1	financial	financial	ADJ
easat-2280	438	2	literacy	literacy	NOUN
easat-2280	438	3	:	:	PUNCT
easat-2280	438	4	implication	implication	NOUN
easat-2280	438	5	for	for	ADP
easat-2280	438	6	retirement	retirement	NOUN
easat-2280	438	7	wellbeing	wellbee	VERB
easat-2280	438	8	.	.	PUNCT
easat-2280	439	1	national	national	ADJ
easat-2280	439	2	bureau	bureau	PROPN
easat-2280	439	3	of	of	ADP
easat-2280	439	4	economic	economic	ADJ
easat-2280	439	5	research	research	NOUN
easat-2280	439	6	,	,	PUNCT
easat-2280	439	7	17–39	17–39	NUM
easat-2280	439	8	.	.	PUNCT
easat-2280	440	1	[	[	X
easat-2280	440	2	39	39	NUM
easat-2280	440	3	]	]	X
easat-2280	440	4	lusardi	lusardi	NOUN
easat-2280	440	5	,	,	PUNCT
easat-2280	440	6	a.	a.	PROPN
easat-2280	440	7	,	,	PUNCT
easat-2280	440	8	&	&	CCONJ
easat-2280	440	9	mitchell	mitchell	PROPN
easat-2280	440	10	,	,	PUNCT
easat-2280	440	11	o.	o.	PROPN
easat-2280	440	12	s.	s.	PROPN
easat-2280	440	13	(	(	PUNCT
easat-2280	440	14	2013	2013	NUM
easat-2280	440	15	)	)	PUNCT
easat-2280	440	16	.	.	PUNCT
easat-2280	441	1	the	the	DET
easat-2280	441	2	economic	economic	ADJ
easat-2280	441	3	importance	importance	NOUN
easat-2280	441	4	of	of	ADP
easat-2280	441	5	financial	financial	ADJ
easat-2280	441	6	literacy	literacy	NOUN
easat-2280	441	7	.	.	PUNCT
easat-2280	442	1	journal	journal	NOUN
easat-2280	442	2	of	of	ADP
easat-2280	442	3	economic	economic	ADJ
easat-2280	442	4	literature	literature	NOUN
easat-2280	442	5	,	,	PUNCT
easat-2280	442	6	52(1	52(1	NOUN
easat-2280	442	7	)	)	PUNCT
easat-2280	442	8	,	,	PUNCT
easat-2280	442	9	65	65	NUM
easat-2280	442	10	.	.	PUNCT
easat-2280	443	1	[	[	X
easat-2280	443	2	40	40	NUM
easat-2280	443	3	]	]	PUNCT
easat-2280	443	4	lusardi	lusardi	PROPN
easat-2280	443	5	,	,	PUNCT
easat-2280	443	6	a.	a.	PROPN
easat-2280	443	7	,	,	PUNCT
easat-2280	443	8	&	&	CCONJ
easat-2280	443	9	mitchell	mitchell	PROPN
easat-2280	443	10	,	,	PUNCT
easat-2280	443	11	o.	o.	PROPN
easat-2280	443	12	s.	s.	PROPN
easat-2280	443	13	(	(	PUNCT
easat-2280	443	14	2014	2014	NUM
easat-2280	443	15	)	)	PUNCT
easat-2280	443	16	.	.	PUNCT
easat-2280	444	1	the	the	DET
easat-2280	444	2	economic	economic	ADJ
easat-2280	444	3	importance	importance	NOUN
easat-2280	444	4	of	of	ADP
easat-2280	444	5	financial	financial	ADJ
easat-2280	444	6	literacy	literacy	NOUN
easat-2280	444	7	:	:	PUNCT
easat-2280	444	8	theory	theory	NOUN
easat-2280	444	9	and	and	CCONJ
easat-2280	444	10	evidence	evidence	NOUN
easat-2280	444	11	.	.	PUNCT
easat-2280	445	1	journal	journal	NOUN
easat-2280	445	2	of	of	ADP
easat-2280	445	3	economic	economic	ADJ
easat-2280	445	4	literature	literature	NOUN
easat-2280	445	5	,	,	PUNCT
easat-2280	445	6	52(1	52(1	NOUN
easat-2280	445	7	)	)	PUNCT
easat-2280	445	8	,	,	PUNCT
easat-2280	445	9	5–44	5–44	PROPN
easat-2280	445	10	.	.	PUNCT
easat-2280	445	11	https://doi.org/10.1257/jel.52.1.5	https://doi.org/10.1257/jel.52.1.5	PROPN
easat-2280	446	1	[	[	X
easat-2280	446	2	41	41	NUM
easat-2280	446	3	]	]	X
easat-2280	446	4	lusardi	lusardi	PROPN
easat-2280	446	5	,	,	PUNCT
easat-2280	446	6	a.	a.	PROPN
easat-2280	446	7	,	,	PUNCT
easat-2280	446	8	&	&	CCONJ
easat-2280	446	9	streeter	streeter	PROPN
easat-2280	446	10	,	,	PUNCT
easat-2280	446	11	j.	j.	PROPN
easat-2280	446	12	l.	l.	PROPN
easat-2280	446	13	(	(	PUNCT
easat-2280	446	14	2023	2023	NUM
easat-2280	446	15	)	)	PUNCT
easat-2280	446	16	.	.	PUNCT
easat-2280	447	1	financial	financial	ADJ
easat-2280	447	2	literacy	literacy	NOUN
easat-2280	447	3	and	and	CCONJ
easat-2280	447	4	financial	financial	ADJ
easat-2280	447	5	well	well	NOUN
easat-2280	447	6	-	-	PUNCT
easat-2280	447	7	being	being	NOUN
easat-2280	447	8	:	:	PUNCT
easat-2280	447	9	evidence	evidence	NOUN
easat-2280	447	10	from	from	ADP
easat-2280	447	11	the	the	DET
easat-2280	447	12	us	us	PROPN
easat-2280	447	13	.	.	PUNCT
easat-2280	448	1	journal	journal	PROPN
easat-2280	448	2	of	of	ADP
easat-2280	448	3	financial	financial	ADJ
easat-2280	448	4	literacy	literacy	NOUN
easat-2280	448	5	and	and	CCONJ
easat-2280	448	6	wellbeing	wellbeing	NOUN
easat-2280	448	7	,	,	PUNCT
easat-2280	448	8	1(2	1(2	NUM
easat-2280	448	9	)	)	PUNCT
easat-2280	448	10	,	,	PUNCT
easat-2280	448	11	169–198	169–198	NUM
easat-2280	448	12	.	.	PUNCT
easat-2280	449	1	https://doi.org/10.1017/flw.2023.13	https://doi.org/10.1017/flw.2023.13	NOUN
easat-2280	450	1	[	[	X
easat-2280	450	2	42	42	NUM
easat-2280	450	3	]	]	X
easat-2280	450	4	lusardi	lusardi	PROPN
easat-2280	450	5	,	,	PUNCT
easat-2280	450	6	a.	a.	PROPN
easat-2280	450	7	,	,	PUNCT
easat-2280	450	8	&	&	CCONJ
easat-2280	450	9	tufano	tufano	ADJ
easat-2280	450	10	,	,	PUNCT
easat-2280	450	11	p.	p.	NOUN
easat-2280	450	12	(	(	PUNCT
easat-2280	450	13	2015	2015	NUM
easat-2280	450	14	)	)	PUNCT
easat-2280	450	15	.	.	PUNCT
easat-2280	451	1	debt	debt	NOUN
easat-2280	451	2	literacy	literacy	NOUN
easat-2280	451	3	,	,	PUNCT
easat-2280	451	4	financial	financial	ADJ
easat-2280	451	5	experiences	experience	NOUN
easat-2280	451	6	,	,	PUNCT
easat-2280	451	7	and	and	CCONJ
easat-2280	451	8	overindebtedness	overindebtedness	NOUN
easat-2280	451	9	.	.	PUNCT
easat-2280	452	1	journal	journal	NOUN
easat-2280	452	2	of	of	ADP
easat-2280	452	3	pension	pension	NOUN
easat-2280	452	4	economics	economic	NOUN
easat-2280	452	5	and	and	CCONJ
easat-2280	452	6	finance	finance	NOUN
easat-2280	452	7	,	,	PUNCT
easat-2280	452	8	14(4	14(4	NUM
easat-2280	452	9	)	)	PUNCT
easat-2280	452	10	,	,	PUNCT
easat-2280	452	11	332–368	332–368	NUM
easat-2280	452	12	.	.	PUNCT
easat-2280	453	1	https://doi.org/10.1017/s1474747215000232	https://doi.org/10.1017/s1474747215000232	X
easat-2280	454	1	[	[	X
easat-2280	454	2	43	43	NUM
easat-2280	454	3	]	]	PUNCT
easat-2280	454	4	m.hogarth	m.hogarth	ADV
easat-2280	454	5	,	,	PUNCT
easat-2280	454	6	j.	j.	PROPN
easat-2280	454	7	,	,	PUNCT
easat-2280	454	8	&	&	CCONJ
easat-2280	454	9	hilgert	hilgert	PROPN
easat-2280	454	10	,	,	PUNCT
easat-2280	454	11	m.	m.	NOUN
easat-2280	454	12	a.	a.	NOUN
easat-2280	454	13	(	(	PUNCT
easat-2280	454	14	2002	2002	NUM
easat-2280	454	15	)	)	PUNCT
easat-2280	454	16	.	.	PUNCT
easat-2280	455	1	financial	financial	ADJ
easat-2280	455	2	knowledge	knowledge	NOUN
easat-2280	455	3	,	,	PUNCT
easat-2280	455	4	experience	experience	NOUN
easat-2280	455	5	and	and	CCONJ
easat-2280	455	6	learning	learn	VERB
easat-2280	455	7	preferences	preference	NOUN
easat-2280	455	8	:	:	PUNCT
easat-2280	455	9	preliminary	preliminary	ADJ
easat-2280	455	10	results	result	NOUN
easat-2280	455	11	from	from	ADP
easat-2280	455	12	a	a	DET
easat-2280	455	13	new	new	ADJ
easat-2280	455	14	survey	survey	NOUN
easat-2280	455	15	on	on	ADP
easat-2280	455	16	financial	financial	ADJ
easat-2280	455	17	literacy	literacy	NOUN
easat-2280	455	18	.	.	PUNCT
easat-2280	456	1	consumer	consumer	NOUN
easat-2280	456	2	interest	interest	NOUN
easat-2280	456	3	annual	annual	ADJ
easat-2280	456	4	,	,	PUNCT
easat-2280	456	5	48(1	48(1	NOUN
easat-2280	456	6	)	)	PUNCT
easat-2280	456	7	,	,	PUNCT
easat-2280	456	8	1–7	1–7	X
easat-2280	456	9	.	.	PUNCT
easat-2280	457	1	[	[	X
easat-2280	457	2	44	44	NUM
easat-2280	457	3	]	]	SYM
easat-2280	457	4	military	military	NOUN
easat-2280	457	5	&	&	CCONJ
easat-2280	457	6	veteran	veteran	PROPN
easat-2280	457	7	family	family	PROPN
easat-2280	457	8	financial	financial	ADJ
easat-2280	457	9	readiness	readiness	NOUN
easat-2280	457	10	.	.	PUNCT
easat-2280	458	1	(	(	PUNCT
easat-2280	458	2	2023	2023	NUM
easat-2280	458	3	)	)	PUNCT
easat-2280	458	4	.	.	PUNCT
easat-2280	459	1	january	january	PROPN
easat-2280	459	2	.	.	PUNCT
easat-2280	460	1	[	[	X
easat-2280	460	2	45	45	NUM
easat-2280	460	3	]	]	X
easat-2280	460	4	mireku	mireku	PROPN
easat-2280	460	5	,	,	PUNCT
easat-2280	460	6	k.	k.	PROPN
easat-2280	460	7	,	,	PUNCT
easat-2280	460	8	appiah	appiah	PROPN
easat-2280	460	9	,	,	PUNCT
easat-2280	460	10	f.	f.	PROPN
easat-2280	460	11	,	,	PUNCT
easat-2280	460	12	&	&	CCONJ
easat-2280	460	13	agana	agana	PROPN
easat-2280	460	14	,	,	PUNCT
easat-2280	460	15	j.	j.	PROPN
easat-2280	460	16	a.	a.	PROPN
easat-2280	460	17	(	(	PUNCT
easat-2280	460	18	2023	2023	NUM
easat-2280	460	19	)	)	PUNCT
easat-2280	460	20	.	.	PUNCT
easat-2280	461	1	is	be	AUX
easat-2280	461	2	there	there	PRON
easat-2280	461	3	a	a	DET
easat-2280	461	4	link	link	NOUN
easat-2280	461	5	between	between	ADP
easat-2280	461	6	financial	financial	ADJ
easat-2280	461	7	literacy	literacy	NOUN
easat-2280	461	8	and	and	CCONJ
easat-2280	461	9	financial	financial	ADJ
easat-2280	461	10	behaviour	behaviour	NOUN
easat-2280	461	11	?	?	PUNCT
easat-2280	462	1	cogent	cogent	NOUN
easat-2280	462	2	economics	economic	NOUN
easat-2280	462	3	and	and	CCONJ
easat-2280	462	4	finance	finance	NOUN
easat-2280	462	5	,	,	PUNCT
easat-2280	462	6	11(1	11(1	NUM
easat-2280	462	7	)	)	PUNCT
easat-2280	462	8	,	,	PUNCT
easat-2280	462	9	1–25	1–25	PROPN
easat-2280	462	10	.	.	PUNCT
easat-2280	462	11	https://doi.org/10.1080/23322039.2023.2188712	https://doi.org/10.1080/23322039.2023.2188712	VERB
easat-2280	463	1	[	[	X
easat-2280	463	2	46	46	NUM
easat-2280	463	3	]	]	SYM
easat-2280	463	4	mutlu	mutlu	PROPN
easat-2280	463	5	,	,	PUNCT
easat-2280	463	6	u.	u.	PROPN
easat-2280	463	7	,	,	PUNCT
easat-2280	463	8	&	&	CCONJ
easat-2280	463	9	ozer	ozer	NOUN
easat-2280	463	10	,	,	PUNCT
easat-2280	463	11	g.	g.	PROPN
easat-2280	463	12	(	(	PUNCT
easat-2280	463	13	2019	2019	NUM
easat-2280	463	14	)	)	PUNCT
easat-2280	463	15	.	.	PUNCT
easat-2280	464	1	the	the	DET
easat-2280	464	2	effects	effect	NOUN
easat-2280	464	3	of	of	ADP
easat-2280	464	4	personality	personality	NOUN
easat-2280	464	5	traits	trait	NOUN
easat-2280	464	6	on	on	ADP
easat-2280	464	7	financial	financial	ADJ
easat-2280	464	8	behaviour	behaviour	NOUN
easat-2280	464	9	.	.	PUNCT
easat-2280	465	1	pressacademia	pressacademia	NOUN
easat-2280	465	2	,	,	PUNCT
easat-2280	465	3	8(3	8(3	NUM
easat-2280	465	4	)	)	PUNCT
easat-2280	465	5	,	,	PUNCT
easat-2280	465	6	155–164	155–164	NUM
easat-2280	465	7	.	.	PUNCT
easat-2280	466	1	https://doi.org/10.17261/pressacademia.2019.1122	https://doi.org/10.17261/pressacademia.2019.1122	PROPN
easat-2280	466	2	1593	1593	NUM
easat-2280	466	3	edelweiss	edelweiss	PROPN
easat-2280	466	4	applied	apply	VERB
easat-2280	466	5	science	science	NOUN
easat-2280	466	6	and	and	CCONJ
easat-2280	466	7	technology	technology	NOUN
easat-2280	466	8	issn	issn	PROPN
easat-2280	466	9	:	:	PUNCT
easat-2280	466	10	2576	2576	NUM
easat-2280	466	11	-	-	SYM
easat-2280	466	12	8484	8484	NUM
easat-2280	466	13	vol	vol	NOUN
easat-2280	466	14	.	.	PROPN
easat-2280	466	15	8	8	NUM
easat-2280	466	16	,	,	PUNCT
easat-2280	466	17	no	no	INTJ
easat-2280	466	18	.	.	NOUN
easat-2280	466	19	6	6	NUM
easat-2280	466	20	:	:	SYM
easat-2280	466	21	1577	1577	NUM
easat-2280	466	22	-	-	SYM
easat-2280	466	23	1597	1597	NUM
easat-2280	466	24	,	,	PUNCT
easat-2280	466	25	2024	2024	NUM
easat-2280	466	26	doi	doi	NOUN
easat-2280	466	27	:	:	PUNCT
easat-2280	466	28	10.55214/25768484.v8i6.2280	10.55214/25768484.v8i6.2280	NUM
easat-2280	466	29	©	©	PROPN
easat-2280	466	30	2024	2024	NUM
easat-2280	466	31	by	by	ADP
easat-2280	466	32	the	the	DET
easat-2280	466	33	authors	author	NOUN
easat-2280	466	34	;	;	PUNCT
easat-2280	466	35	licensee	licensee	PROPN
easat-2280	466	36	learning	learning	NOUN
easat-2280	466	37	gate	gate	NOUN
easat-2280	467	1	[	[	X
easat-2280	467	2	47	47	NUM
easat-2280	467	3	]	]	PUNCT
easat-2280	467	4	nauman	nauman	PROPN
easat-2280	467	5	sadiq	sadiq	PROPN
easat-2280	467	6	,	,	PUNCT
easat-2280	467	7	m.	m.	NOUN
easat-2280	467	8	,	,	PUNCT
easat-2280	467	9	&	&	CCONJ
easat-2280	467	10	ased	ase	VERB
easat-2280	467	11	azad	azad	PROPN
easat-2280	467	12	khan	khan	PROPN
easat-2280	467	13	,	,	PUNCT
easat-2280	467	14	r.	r.	PROPN
easat-2280	467	15	(	(	PUNCT
easat-2280	467	16	2019	2019	NUM
easat-2280	467	17	)	)	PUNCT
easat-2280	467	18	.	.	PUNCT
easat-2280	468	1	impact	impact	NOUN
easat-2280	468	2	of	of	ADP
easat-2280	468	3	personality	personality	NOUN
easat-2280	468	4	traits	trait	NOUN
easat-2280	468	5	on	on	ADP
easat-2280	468	6	investment	investment	NOUN
easat-2280	468	7	intention	intention	NOUN
easat-2280	468	8	:	:	PUNCT
easat-2280	468	9	the	the	DET
easat-2280	468	10	mediating	mediate	VERB
easat-2280	468	11	role	role	NOUN
easat-2280	468	12	of	of	ADP
easat-2280	468	13	risk	risk	NOUN
easat-2280	468	14	behaviour	behaviour	NOUN
easat-2280	468	15	and	and	CCONJ
easat-2280	468	16	the	the	DET
easat-2280	468	17	moderating	moderate	VERB
easat-2280	468	18	role	role	NOUN
easat-2280	468	19	of	of	ADP
easat-2280	468	20	financial	financial	ADJ
easat-2280	468	21	literacy	literacy	NOUN
easat-2280	468	22	.	.	PUNCT
easat-2280	469	1	journal	journal	NOUN
easat-2280	469	2	of	of	ADP
easat-2280	469	3	finance	finance	PROPN
easat-2280	469	4	&	&	CCONJ
easat-2280	469	5	economics	economics	PROPN
easat-2280	469	6	research	research	PROPN
easat-2280	469	7	,	,	PUNCT
easat-2280	469	8	4(1	4(1	NOUN
easat-2280	469	9	)	)	PUNCT
easat-2280	469	10	,	,	PUNCT
easat-2280	469	11	1–18	1–18	NUM
easat-2280	469	12	.	.	PUNCT
easat-2280	470	1	https://doi.org/10.20547/jfer1904101	https://doi.org/10.20547/jfer1904101	PROPN
easat-2280	470	2	[	[	X
easat-2280	470	3	48	48	NUM
easat-2280	470	4	]	]	PUNCT
easat-2280	470	5	nenkov	nenkov	PROPN
easat-2280	470	6	,	,	PUNCT
easat-2280	470	7	g.	g.	PROPN
easat-2280	470	8	y.	y.	PROPN
easat-2280	470	9	,	,	PUNCT
easat-2280	470	10	inman	inman	PROPN
easat-2280	470	11	,	,	PUNCT
easat-2280	470	12	j.	j.	PROPN
easat-2280	470	13	j.	j.	PROPN
easat-2280	470	14	,	,	PUNCT
easat-2280	470	15	hulland	hulland	ADV
easat-2280	470	16	,	,	PUNCT
easat-2280	470	17	j.	j.	PROPN
easat-2280	470	18	,	,	PUNCT
easat-2280	470	19	&	&	CCONJ
easat-2280	470	20	morrin	morrin	PROPN
easat-2280	470	21	,	,	PUNCT
easat-2280	470	22	m.	m.	NOUN
easat-2280	470	23	(	(	PUNCT
easat-2280	470	24	2009	2009	NUM
easat-2280	470	25	)	)	PUNCT
easat-2280	470	26	.	.	PUNCT
easat-2280	471	1	the	the	DET
easat-2280	471	2	impact	impact	NOUN
easat-2280	471	3	of	of	ADP
easat-2280	471	4	outcome	outcome	NOUN
easat-2280	471	5	elaboration	elaboration	NOUN
easat-2280	471	6	on	on	ADP
easat-2280	471	7	susceptibility	susceptibility	NOUN
easat-2280	471	8	to	to	ADP
easat-2280	471	9	contextual	contextual	ADJ
easat-2280	471	10	and	and	CCONJ
easat-2280	471	11	presentation	presentation	NOUN
easat-2280	471	12	biases	bias	NOUN
easat-2280	471	13	.	.	PUNCT
easat-2280	472	1	journal	journal	PROPN
easat-2280	472	2	of	of	ADP
easat-2280	472	3	marketing	marketing	NOUN
easat-2280	472	4	research	research	NOUN
easat-2280	472	5	,	,	PUNCT
easat-2280	472	6	46(6	46(6	NOUN
easat-2280	472	7	)	)	PUNCT
easat-2280	472	8	,	,	PUNCT
easat-2280	472	9	764–776	764–776	NUM
easat-2280	472	10	.	.	PUNCT
easat-2280	473	1	https://doi.org/10.1509/jmkr.46.6.764	https://doi.org/10.1509/jmkr.46.6.764	PROPN
easat-2280	474	1	[	[	X
easat-2280	474	2	49	49	NUM
easat-2280	474	3	]	]	X
easat-2280	474	4	ouma	ouma	PROPN
easat-2280	474	5	,	,	PUNCT
easat-2280	474	6	s.	s.	PROPN
easat-2280	474	7	(	(	PUNCT
easat-2280	474	8	2020	2020	NUM
easat-2280	474	9	)	)	PUNCT
easat-2280	474	10	.	.	PUNCT
easat-2280	475	1	this	this	DET
easat-2280	475	2	can(’t	can(’t	NOUN
easat-2280	475	3	)	)	PUNCT
easat-2280	475	4	be	be	VERB
easat-2280	475	5	an	an	DET
easat-2280	475	6	asset	asset	NOUN
easat-2280	475	7	class	class	NOUN
easat-2280	475	8	:	:	PUNCT
easat-2280	475	9	the	the	DET
easat-2280	475	10	world	world	NOUN
easat-2280	475	11	of	of	ADP
easat-2280	475	12	money	money	NOUN
easat-2280	475	13	management	management	NOUN
easat-2280	475	14	,	,	PUNCT
easat-2280	475	15	“	"	PUNCT
easat-2280	475	16	society	society	NOUN
easat-2280	475	17	”	"	PUNCT
easat-2280	475	18	,	,	PUNCT
easat-2280	475	19	and	and	CCONJ
easat-2280	475	20	the	the	DET
easat-2280	475	21	contested	contest	VERB
easat-2280	475	22	morality	morality	NOUN
easat-2280	475	23	of	of	ADP
easat-2280	475	24	farmland	farmland	NOUN
easat-2280	475	25	investments	investment	NOUN
easat-2280	475	26	.	.	PUNCT
easat-2280	476	1	environment	environment	NOUN
easat-2280	476	2	and	and	CCONJ
easat-2280	476	3	planning	plan	VERB
easat-2280	476	4	a	a	DET
easat-2280	476	5	,	,	PUNCT
easat-2280	476	6	52(1	52(1	NOUN
easat-2280	476	7	)	)	PUNCT
easat-2280	476	8	,	,	PUNCT
easat-2280	476	9	66–87	66–87	NUM
easat-2280	476	10	.	.	PUNCT
easat-2280	476	11	https://doi.org/10.1177/0308518x18790051	https://doi.org/10.1177/0308518x18790051	X
easat-2280	477	1	[	[	X
easat-2280	477	2	50	50	NUM
easat-2280	477	3	]	]	X
easat-2280	477	4	ouma	ouma	PROPN
easat-2280	477	5	,	,	PUNCT
easat-2280	477	6	s.	s.	PROPN
easat-2280	477	7	a.	a.	PROPN
easat-2280	477	8	,	,	PUNCT
easat-2280	477	9	odongo	odongo	NOUN
easat-2280	477	10	,	,	PUNCT
easat-2280	477	11	t.	t.	NOUN
easat-2280	477	12	m.	m.	NOUN
easat-2280	477	13	,	,	PUNCT
easat-2280	477	14	&	&	CCONJ
easat-2280	477	15	were	be	AUX
easat-2280	477	16	,	,	PUNCT
easat-2280	477	17	m.	m.	NOUN
easat-2280	477	18	(	(	PUNCT
easat-2280	477	19	2017	2017	NUM
easat-2280	477	20	)	)	PUNCT
easat-2280	477	21	.	.	PUNCT
easat-2280	478	1	mobile	mobile	ADJ
easat-2280	478	2	financial	financial	ADJ
easat-2280	478	3	services	service	NOUN
easat-2280	478	4	and	and	CCONJ
easat-2280	478	5	financial	financial	ADJ
easat-2280	478	6	inclusion	inclusion	NOUN
easat-2280	478	7	:	:	PUNCT
easat-2280	478	8	is	be	AUX
easat-2280	478	9	it	it	PRON
easat-2280	478	10	a	a	DET
easat-2280	478	11	boon	boon	NOUN
easat-2280	478	12	for	for	ADP
easat-2280	478	13	savings	saving	NOUN
easat-2280	478	14	mobilization	mobilization	NOUN
easat-2280	478	15	?	?	PUNCT
easat-2280	479	1	review	review	NOUN
easat-2280	479	2	of	of	ADP
easat-2280	479	3	development	development	NOUN
easat-2280	479	4	finance	finance	NOUN
easat-2280	479	5	,	,	PUNCT
easat-2280	479	6	7(1	7(1	NUM
easat-2280	479	7	)	)	PUNCT
easat-2280	479	8	,	,	PUNCT
easat-2280	479	9	29–35	29–35	NUM
easat-2280	479	10	.	.	PUNCT
easat-2280	480	1	https://doi.org/10.1016/j.rdf.2017.01.001	https://doi.org/10.1016/j.rdf.2017.01.001	PROPN
easat-2280	480	2	[	[	X
easat-2280	480	3	51	51	NUM
easat-2280	480	4	]	]	PUNCT
easat-2280	480	5	owusu	owusu	PROPN
easat-2280	480	6	,	,	PUNCT
easat-2280	480	7	g.	g.	PROPN
easat-2280	480	8	m.	m.	PROPN
easat-2280	480	9	y.	y.	PROPN
easat-2280	480	10	(	(	PUNCT
easat-2280	480	11	2023	2023	NUM
easat-2280	480	12	)	)	PUNCT
easat-2280	480	13	.	.	PUNCT
easat-2280	481	1	predictors	predictor	NOUN
easat-2280	481	2	of	of	ADP
easat-2280	481	3	financial	financial	ADJ
easat-2280	481	4	satisfaction	satisfaction	NOUN
easat-2280	481	5	and	and	CCONJ
easat-2280	481	6	its	its	PRON
easat-2280	481	7	impact	impact	NOUN
easat-2280	481	8	on	on	ADP
easat-2280	481	9	psychological	psychological	ADJ
easat-2280	481	10	wellbeing	wellbeing	NOUN
easat-2280	481	11	of	of	ADP
easat-2280	481	12	individuals	individual	NOUN
easat-2280	481	13	.	.	PUNCT
easat-2280	482	1	journal	journal	PROPN
easat-2280	482	2	of	of	ADP
easat-2280	482	3	humanities	humanity	NOUN
easat-2280	482	4	and	and	CCONJ
easat-2280	482	5	applied	apply	VERB
easat-2280	482	6	social	social	ADJ
easat-2280	482	7	sciences	science	NOUN
easat-2280	482	8	,	,	PUNCT
easat-2280	482	9	5(1	5(1	NUM
easat-2280	482	10	)	)	PUNCT
easat-2280	482	11	,	,	PUNCT
easat-2280	482	12	59–76	59–76	NUM
easat-2280	482	13	.	.	PUNCT
easat-2280	483	1	https://doi.org/10.1108/jhass-05-2021-0101	https://doi.org/10.1108/jhass-05-2021-0101	PROPN
easat-2280	483	2	[	[	X
easat-2280	483	3	52	52	NUM
easat-2280	483	4	]	]	PUNCT
easat-2280	483	5	permana	permana	NOUN
easat-2280	483	6	,	,	PUNCT
easat-2280	483	7	j.	j.	PROPN
easat-2280	483	8	z.	z.	PROPN
easat-2280	483	9	,	,	PUNCT
easat-2280	483	10	&	&	CCONJ
easat-2280	483	11	lutfi	lutfi	PROPN
easat-2280	483	12	,	,	PUNCT
easat-2280	483	13	l.	l.	PROPN
easat-2280	483	14	(	(	PUNCT
easat-2280	483	15	2022	2022	NUM
easat-2280	483	16	)	)	PUNCT
easat-2280	483	17	.	.	PUNCT
easat-2280	484	1	financial	financial	ADJ
easat-2280	484	2	literacy	literacy	NOUN
easat-2280	484	3	,	,	PUNCT
easat-2280	484	4	financial	financial	ADJ
easat-2280	484	5	attitude	attitude	NOUN
easat-2280	484	6	,	,	PUNCT
easat-2280	484	7	and	and	CCONJ
easat-2280	484	8	household	household	NOUN
easat-2280	484	9	financial	financial	ADJ
easat-2280	484	10	behavior	behavior	NOUN
easat-2280	484	11	.	.	PUNCT
easat-2280	485	1	jurnal	jurnal	ADJ
easat-2280	485	2	maksipreneur	maksipreneur	PROPN
easat-2280	485	3	:	:	PUNCT
easat-2280	485	4	manajemen	manajeman	NOUN
easat-2280	485	5	,	,	PUNCT
easat-2280	485	6	koperasi	koperasi	PROPN
easat-2280	485	7	,	,	PUNCT
easat-2280	485	8	dan	dan	PROPN
easat-2280	485	9	entrepreneurship	entrepreneurship	NOUN
easat-2280	485	10	,	,	PUNCT
easat-2280	485	11	12(1	12(1	NUM
easat-2280	485	12	)	)	PUNCT
easat-2280	485	13	,	,	PUNCT
easat-2280	485	14	273	273	NUM
easat-2280	485	15	.	.	PUNCT
easat-2280	486	1	https://doi.org/10.30588/jmp.v12i1.1094	https://doi.org/10.30588/jmp.v12i1.1094	ADJ
easat-2280	486	2	[	[	X
easat-2280	486	3	53	53	NUM
easat-2280	486	4	]	]	X
easat-2280	486	5	pham	pham	PROPN
easat-2280	486	6	,	,	PUNCT
easat-2280	486	7	k.	k.	PROPN
easat-2280	486	8	d.	d.	PROPN
easat-2280	486	9	,	,	PUNCT
easat-2280	486	10	&	&	CCONJ
easat-2280	486	11	le	le	PROPN
easat-2280	486	12	,	,	PUNCT
easat-2280	486	13	v.	v.	PROPN
easat-2280	486	14	l.	l.	PROPN
easat-2280	486	15	t.	t.	PROPN
easat-2280	486	16	(	(	PUNCT
easat-2280	486	17	2023	2023	NUM
easat-2280	486	18	)	)	PUNCT
easat-2280	486	19	.	.	PUNCT
easat-2280	487	1	nexus	nexus	NOUN
easat-2280	487	2	between	between	ADP
easat-2280	487	3	financial	financial	ADJ
easat-2280	487	4	education	education	NOUN
easat-2280	487	5	,	,	PUNCT
easat-2280	487	6	literacy	literacy	NOUN
easat-2280	487	7	,	,	PUNCT
easat-2280	487	8	and	and	CCONJ
easat-2280	487	9	financial	financial	ADJ
easat-2280	487	10	behavior	behavior	NOUN
easat-2280	487	11	:	:	PUNCT
easat-2280	487	12	insights	insight	NOUN
easat-2280	487	13	from	from	ADP
easat-2280	487	14	vietnamese	vietnamese	ADJ
easat-2280	487	15	young	young	ADJ
easat-2280	487	16	generations	generation	NOUN
easat-2280	487	17	.	.	PUNCT
easat-2280	488	1	sustainability	sustainability	NOUN
easat-2280	488	2	,	,	PUNCT
easat-2280	488	3	15(20	15(20	NUM
easat-2280	488	4	)	)	PUNCT
easat-2280	488	5	,	,	PUNCT
easat-2280	488	6	14854	14854	NUM
easat-2280	488	7	.	.	PUNCT
easat-2280	489	1	https://www.mdpi.com/2071-1050/15/20/14854	https://www.mdpi.com/2071-1050/15/20/14854	PROPN
easat-2280	490	1	[	[	X
easat-2280	490	2	54	54	NUM
easat-2280	490	3	]	]	PUNCT
easat-2280	490	4	price	price	NOUN
easat-2280	490	5	,	,	PUNCT
easat-2280	490	6	p.	p.	NOUN
easat-2280	490	7	c.	c.	PROPN
easat-2280	490	8	(	(	PUNCT
easat-2280	490	9	2020	2020	NUM
easat-2280	490	10	)	)	PUNCT
easat-2280	490	11	.	.	PUNCT
easat-2280	491	1	understanding	understand	VERB
easat-2280	491	2	personal	personal	ADJ
easat-2280	491	3	saving	saving	NOUN
easat-2280	491	4	orientation	orientation	NOUN
easat-2280	491	5	what	what	PRON
easat-2280	491	6	is	be	AUX
easat-2280	491	7	personal	personal	ADJ
easat-2280	491	8	.	.	PUNCT
easat-2280	492	1	1–5	1–5	X
easat-2280	492	2	.	.	PUNCT
easat-2280	493	1	[	[	X
easat-2280	493	2	55	55	NUM
easat-2280	493	3	]	]	X
easat-2280	493	4	rasool	rasool	NOUN
easat-2280	493	5	,	,	PUNCT
easat-2280	493	6	n.	n.	NOUN
easat-2280	493	7	,	,	PUNCT
easat-2280	493	8	&	&	CCONJ
easat-2280	493	9	ullah	ullah	PROPN
easat-2280	493	10	,	,	PUNCT
easat-2280	493	11	s.	s.	PROPN
easat-2280	493	12	(	(	PUNCT
easat-2280	493	13	2020	2020	NUM
easat-2280	493	14	)	)	PUNCT
easat-2280	493	15	.	.	PUNCT
easat-2280	494	1	financial	financial	ADJ
easat-2280	494	2	literacy	literacy	NOUN
easat-2280	494	3	and	and	CCONJ
easat-2280	494	4	behavioural	behavioural	ADJ
easat-2280	494	5	biases	bias	NOUN
easat-2280	494	6	of	of	ADP
easat-2280	494	7	individual	individual	ADJ
easat-2280	494	8	investors	investor	NOUN
easat-2280	494	9	:	:	PUNCT
easat-2280	494	10	empirical	empirical	ADJ
easat-2280	494	11	evidence	evidence	NOUN
easat-2280	494	12	of	of	ADP
easat-2280	494	13	pakistan	pakistan	PROPN
easat-2280	494	14	stock	stock	PROPN
easat-2280	494	15	exchange	exchange	PROPN
easat-2280	494	16	.	.	PUNCT
easat-2280	495	1	in	in	ADP
easat-2280	495	2	journal	journal	PROPN
easat-2280	495	3	of	of	ADP
easat-2280	495	4	economics	economic	NOUN
easat-2280	495	5	,	,	PUNCT
easat-2280	495	6	finance	finance	NOUN
easat-2280	495	7	and	and	CCONJ
easat-2280	495	8	…	…	PUNCT
easat-2280	495	9	.	.	PUNCT
easat-2280	496	1	emerald.com	emerald.com	X
easat-2280	496	2	.	.	PUNCT
easat-2280	497	1	https://doi.org/10.1108/jefas-032019-0031	https://doi.org/10.1108/jefas-032019-0031	PROPN
easat-2280	498	1	[	[	X
easat-2280	498	2	56	56	NUM
easat-2280	498	3	]	]	X
easat-2280	498	4	rodríguez	rodríguez	PROPN
easat-2280	498	5	de	de	PROPN
easat-2280	498	6	las	las	PROPN
easat-2280	498	7	heras	heras	PROPN
easat-2280	498	8	ballell	ballell	VERB
easat-2280	498	9	,	,	PUNCT
easat-2280	498	10	t.	t.	PROPN
easat-2280	498	11	(	(	PUNCT
easat-2280	498	12	2023	2023	NUM
easat-2280	498	13	)	)	PUNCT
easat-2280	498	14	.	.	PUNCT
easat-2280	499	1	ai	ai	VERB
easat-2280	499	2	in	in	ADP
easat-2280	499	3	the	the	DET
easat-2280	499	4	financial	financial	ADJ
easat-2280	499	5	sector	sector	NOUN
easat-2280	499	6	.	.	PUNCT
easat-2280	500	1	money	money	NOUN
easat-2280	500	2	,	,	PUNCT
easat-2280	500	3	power	power	NOUN
easat-2280	500	4	,	,	PUNCT
easat-2280	500	5	and	and	CCONJ
easat-2280	500	6	ai	ai	VERB
easat-2280	500	7	,	,	PUNCT
easat-2280	500	8	ml	ml	NOUN
easat-2280	500	9	,	,	PUNCT
easat-2280	500	10	9–28	9–28	NOUN
easat-2280	500	11	.	.	PUNCT
easat-2280	500	12	https://doi.org/10.1017/9781009334297.004	https://doi.org/10.1017/9781009334297.004	PUNCT
easat-2280	501	1	[	[	X
easat-2280	501	2	57	57	NUM
easat-2280	501	3	]	]	PUNCT
easat-2280	501	4	rokhman	rokhman	NOUN
easat-2280	501	5	,	,	PUNCT
easat-2280	501	6	m.	m.	NOUN
easat-2280	501	7	a.	a.	NOUN
easat-2280	501	8	(	(	PUNCT
easat-2280	501	9	2021	2021	NUM
easat-2280	501	10	)	)	PUNCT
easat-2280	501	11	.	.	PUNCT
easat-2280	502	1	the	the	DET
easat-2280	502	2	effect	effect	NOUN
easat-2280	502	3	of	of	ADP
easat-2280	502	4	financial	financial	ADJ
easat-2280	502	5	literature	literature	NOUN
easat-2280	502	6	and	and	CCONJ
easat-2280	502	7	future	future	ADJ
easat-2280	502	8	orientation	orientation	NOUN
easat-2280	502	9	with	with	ADP
easat-2280	502	10	mediating	mediate	VERB
easat-2280	502	11	role	role	NOUN
easat-2280	502	12	of	of	ADP
easat-2280	502	13	saving	save	VERB
easat-2280	502	14	attitude	attitude	NOUN
easat-2280	502	15	.	.	PUNCT
easat-2280	503	1	5(09	5(09	NUM
easat-2280	503	2	)	)	PUNCT
easat-2280	503	3	,	,	PUNCT
easat-2280	503	4	207–226	207–226	NUM
easat-2280	503	5	.	.	PUNCT
easat-2280	504	1	[	[	X
easat-2280	504	2	58	58	NUM
easat-2280	504	3	]	]	X
easat-2280	504	4	sesini	sesini	PROPN
easat-2280	504	5	,	,	PUNCT
easat-2280	504	6	g.	g.	PROPN
easat-2280	504	7	,	,	PUNCT
easat-2280	504	8	&	&	CCONJ
easat-2280	504	9	lozza	lozza	PROPN
easat-2280	504	10	,	,	PUNCT
easat-2280	504	11	e.	e.	PROPN
easat-2280	504	12	(	(	PUNCT
easat-2280	504	13	2023	2023	NUM
easat-2280	504	14	)	)	PUNCT
easat-2280	504	15	.	.	PUNCT
easat-2280	505	1	understanding	understand	VERB
easat-2280	505	2	individual	individual	ADJ
easat-2280	505	3	attitude	attitude	NOUN
easat-2280	505	4	to	to	ADP
easat-2280	505	5	money	money	NOUN
easat-2280	505	6	:	:	PUNCT
easat-2280	505	7	a	a	DET
easat-2280	505	8	systematic	systematic	ADJ
easat-2280	505	9	scoping	scoping	NOUN
easat-2280	505	10	review	review	NOUN
easat-2280	505	11	and	and	CCONJ
easat-2280	505	12	research	research	NOUN
easat-2280	505	13	agenda	agenda	NOUN
easat-2280	505	14	.	.	PUNCT
easat-2280	506	1	collabra	collabra	PROPN
easat-2280	506	2	:	:	PUNCT
easat-2280	506	3	psychology	psychology	NOUN
easat-2280	506	4	,	,	PUNCT
easat-2280	506	5	9(1	9(1	NUM
easat-2280	506	6	)	)	PUNCT
easat-2280	506	7	,	,	PUNCT
easat-2280	506	8	1–25	1–25	PROPN
easat-2280	506	9	.	.	PUNCT
easat-2280	507	1	https://doi.org/10.1525/collabra.77305	https://doi.org/10.1525/collabra.77305	NOUN
easat-2280	508	1	[	[	X
easat-2280	508	2	59	59	NUM
easat-2280	508	3	]	]	SYM
easat-2280	508	4	shockey	shockey	PROPN
easat-2280	508	5	,	,	PUNCT
easat-2280	508	6	s.	s.	PROPN
easat-2280	508	7	s.	s.	PROPN
easat-2280	508	8	,	,	PUNCT
easat-2280	508	9	&	&	CCONJ
easat-2280	508	10	seiling	seiling	PROPN
easat-2280	508	11	,	,	PUNCT
easat-2280	508	12	s.	s.	PROPN
easat-2280	508	13	b.	b.	PROPN
easat-2280	508	14	(	(	PUNCT
easat-2280	508	15	2004	2004	NUM
easat-2280	508	16	)	)	PUNCT
easat-2280	508	17	.	.	PUNCT
easat-2280	509	1	moving	move	VERB
easat-2280	509	2	into	into	ADP
easat-2280	509	3	action	action	NOUN
easat-2280	509	4	:	:	PUNCT
easat-2280	509	5	application	application	NOUN
easat-2280	509	6	of	of	ADP
easat-2280	509	7	the	the	DET
easat-2280	509	8	transtheoretical	transtheoretical	ADJ
easat-2280	509	9	model	model	NOUN
easat-2280	509	10	of	of	ADP
easat-2280	509	11	behavior	behavior	NOUN
easat-2280	509	12	change	change	NOUN
easat-2280	509	13	to	to	ADP
easat-2280	509	14	financial	financial	ADJ
easat-2280	509	15	education	education	NOUN
easat-2280	509	16	.	.	PUNCT
easat-2280	510	1	journal	journal	NOUN
easat-2280	510	2	of	of	ADP
easat-2280	510	3	financial	financial	ADJ
easat-2280	510	4	counseling	counseling	NOUN
easat-2280	510	5	and	and	CCONJ
easat-2280	510	6	planning	planning	NOUN
easat-2280	510	7	,	,	PUNCT
easat-2280	510	8	15(1	15(1	NUM
easat-2280	510	9	)	)	PUNCT
easat-2280	510	10	,	,	PUNCT
easat-2280	510	11	41–52	41–52	NUM
easat-2280	510	12	.	.	PUNCT
easat-2280	511	1	[	[	X
easat-2280	511	2	60	60	NUM
easat-2280	511	3	]	]	SYM
easat-2280	511	4	stolper	stolper	NOUN
easat-2280	511	5	,	,	PUNCT
easat-2280	511	6	o.	o.	PROPN
easat-2280	511	7	a.	a.	PROPN
easat-2280	511	8	,	,	PUNCT
easat-2280	511	9	&	&	CCONJ
easat-2280	511	10	walter	walter	PROPN
easat-2280	511	11	,	,	PUNCT
easat-2280	511	12	a.	a.	PROPN
easat-2280	511	13	(	(	PUNCT
easat-2280	511	14	2017	2017	NUM
easat-2280	511	15	)	)	PUNCT
easat-2280	511	16	.	.	PUNCT
easat-2280	512	1	financial	financial	ADJ
easat-2280	512	2	literacy	literacy	NOUN
easat-2280	512	3	,	,	PUNCT
easat-2280	512	4	financial	financial	ADJ
easat-2280	512	5	advice	advice	NOUN
easat-2280	512	6	,	,	PUNCT
easat-2280	512	7	and	and	CCONJ
easat-2280	512	8	financial	financial	ADJ
easat-2280	512	9	behavior	behavior	NOUN
easat-2280	512	10	.	.	PUNCT
easat-2280	513	1	journal	journal	PROPN
easat-2280	513	2	of	of	ADP
easat-2280	513	3	business	business	NOUN
easat-2280	513	4	economics	economic	NOUN
easat-2280	513	5	,	,	PUNCT
easat-2280	513	6	87(5	87(5	NUM
easat-2280	513	7	)	)	PUNCT
easat-2280	513	8	,	,	PUNCT
easat-2280	513	9	581–643	581–643	NUM
easat-2280	513	10	.	.	PUNCT
easat-2280	514	1	https://doi.org/10.1007/s11573-017-0853-9	https://doi.org/10.1007/s11573-017-0853-9	NUM
easat-2280	514	2	[	[	X
easat-2280	514	3	61	61	NUM
easat-2280	514	4	]	]	X
easat-2280	514	5	suryono	suryono	PROPN
easat-2280	514	6	,	,	PUNCT
easat-2280	514	7	r.	r.	PROPN
easat-2280	514	8	r.	r.	PROPN
easat-2280	514	9	,	,	PUNCT
easat-2280	514	10	budi	budi	PROPN
easat-2280	514	11	,	,	PUNCT
easat-2280	514	12	i.	i.	PROPN
easat-2280	514	13	,	,	PUNCT
easat-2280	514	14	&	&	CCONJ
easat-2280	514	15	purwandari	purwandari	PROPN
easat-2280	514	16	,	,	PUNCT
easat-2280	514	17	b.	b.	PROPN
easat-2280	514	18	(	(	PUNCT
easat-2280	514	19	2020	2020	NUM
easat-2280	514	20	)	)	PUNCT
easat-2280	514	21	.	.	PUNCT
easat-2280	515	1	challenges	challenge	NOUN
easat-2280	515	2	and	and	CCONJ
easat-2280	515	3	trends	trend	NOUN
easat-2280	515	4	of	of	ADP
easat-2280	515	5	financial	financial	ADJ
easat-2280	515	6	technology	technology	NOUN
easat-2280	515	7	(	(	PUNCT
easat-2280	515	8	fintech	fintech	NOUN
easat-2280	515	9	):	):	PUNCT
easat-2280	515	10	a	a	DET
easat-2280	515	11	systematic	systematic	ADJ
easat-2280	515	12	literature	literature	NOUN
easat-2280	515	13	review	review	NOUN
easat-2280	515	14	.	.	PUNCT
easat-2280	516	1	information	information	NOUN
easat-2280	516	2	.	.	PUNCT
easat-2280	517	1	https://www.mdpi.com/2078-2489/11/12/590	https://www.mdpi.com/2078-2489/11/12/590	VERB
easat-2280	518	1	[	[	X
easat-2280	518	2	62	62	NUM
easat-2280	518	3	]	]	X
easat-2280	518	4	świecka	świecka	PROPN
easat-2280	518	5	,	,	PUNCT
easat-2280	518	6	b.	b.	PROPN
easat-2280	518	7	(	(	PUNCT
easat-2280	518	8	2019	2019	NUM
easat-2280	518	9	)	)	PUNCT
easat-2280	518	10	.	.	PUNCT
easat-2280	519	1	financial	financial	ADJ
easat-2280	519	2	literacy	literacy	NOUN
easat-2280	519	3	and	and	CCONJ
easat-2280	519	4	financial	financial	ADJ
easat-2280	519	5	education	education	NOUN
easat-2280	519	6	in	in	ADP
easat-2280	519	7	poland	poland	PROPN
easat-2280	519	8	.	.	PUNCT
easat-2280	520	1	an	an	DET
easat-2280	520	2	overview	overview	NOUN
easat-2280	520	3	.	.	PUNCT
easat-2280	521	1	financial	financial	ADJ
easat-2280	521	2	literacy	literacy	NOUN
easat-2280	521	3	and	and	CCONJ
easat-2280	521	4	financial	financial	ADJ
easat-2280	521	5	education	education	NOUN
easat-2280	521	6	:	:	PUNCT
easat-2280	521	7	theory	theory	NOUN
easat-2280	521	8	and	and	CCONJ
easat-2280	521	9	survey	survey	NOUN
easat-2280	521	10	,	,	PUNCT
easat-2280	521	11	april	april	PROPN
easat-2280	521	12	,	,	PUNCT
easat-2280	521	13	30–52	30–52	NUM
easat-2280	521	14	.	.	PUNCT
easat-2280	522	1	https://doi.org/10.1515/9783110636956-003	https://doi.org/10.1515/9783110636956-003	X
easat-2280	522	2	[	[	X
easat-2280	522	3	63	63	NUM
easat-2280	522	4	]	]	SYM
easat-2280	522	5	tarawneh	tarawneh	PROPN
easat-2280	522	6	,	,	PUNCT
easat-2280	522	7	a.	a.	PROPN
easat-2280	522	8	,	,	PUNCT
easat-2280	522	9	abdul	abdul	PROPN
easat-2280	522	10	-	-	PUNCT
easat-2280	522	11	rahman	rahman	PROPN
easat-2280	522	12	,	,	PUNCT
easat-2280	522	13	a.	a.	NOUN
easat-2280	522	14	,	,	PUNCT
easat-2280	522	15	mohd	mohd	PROPN
easat-2280	522	16	amin	amin	PROPN
easat-2280	522	17	,	,	PUNCT
easat-2280	522	18	s.	s.	PROPN
easat-2280	522	19	i.	i.	PROPN
easat-2280	522	20	,	,	PUNCT
easat-2280	522	21	&	&	CCONJ
easat-2280	522	22	ghazali	ghazali	PROPN
easat-2280	522	23	,	,	PUNCT
easat-2280	522	24	m.	m.	PROPN
easat-2280	522	25	f.	f.	PROPN
easat-2280	522	26	(	(	PUNCT
easat-2280	522	27	2024	2024	NUM
easat-2280	522	28	)	)	PUNCT
easat-2280	522	29	.	.	PUNCT
easat-2280	523	1	a	a	DET
easat-2280	523	2	systematic	systematic	ADJ
easat-2280	523	3	review	review	NOUN
easat-2280	523	4	of	of	ADP
easat-2280	523	5	fintech	fintech	NOUN
easat-2280	523	6	and	and	CCONJ
easat-2280	523	7	banking	banking	NOUN
easat-2280	523	8	profitability	profitability	NOUN
easat-2280	523	9	.	.	PUNCT
easat-2280	524	1	international	international	ADJ
easat-2280	524	2	journal	journal	PROPN
easat-2280	524	3	of	of	ADP
easat-2280	524	4	financial	financial	ADJ
easat-2280	524	5	studies	study	NOUN
easat-2280	524	6	,	,	PUNCT
easat-2280	524	7	12(1	12(1	NUM
easat-2280	524	8	)	)	PUNCT
easat-2280	524	9	,	,	PUNCT
easat-2280	524	10	1–21	1–21	PROPN
easat-2280	524	11	.	.	PUNCT
easat-2280	525	1	https://doi.org/10.3390/ijfs12010003	https://doi.org/10.3390/ijfs12010003	PROPN
easat-2280	526	1	[	[	X
easat-2280	526	2	64	64	NUM
easat-2280	526	3	]	]	PUNCT
easat-2280	526	4	toffel	toffel	NOUN
easat-2280	526	5	,	,	PUNCT
easat-2280	526	6	m.	m.	NOUN
easat-2280	526	7	w.	w.	PROPN
easat-2280	526	8	(	(	PUNCT
easat-2280	526	9	2016	2016	NUM
easat-2280	526	10	)	)	PUNCT
easat-2280	526	11	.	.	PUNCT
easat-2280	527	1	enhancing	enhance	VERB
easat-2280	527	2	the	the	DET
easat-2280	527	3	practical	practical	ADJ
easat-2280	527	4	relevance	relevance	NOUN
easat-2280	527	5	of	of	ADP
easat-2280	527	6	research	research	NOUN
easat-2280	527	7	.	.	PUNCT
easat-2280	528	1	production	production	NOUN
easat-2280	528	2	and	and	CCONJ
easat-2280	528	3	operations	operation	NOUN
easat-2280	528	4	management	management	NOUN
easat-2280	528	5	,	,	PUNCT
easat-2280	528	6	25(9	25(9	NUM
easat-2280	528	7	)	)	PUNCT
easat-2280	528	8	,	,	PUNCT
easat-2280	528	9	1493	1493	NUM
easat-2280	528	10	–	–	PUNCT
easat-2280	528	11	1505	1505	NUM
easat-2280	528	12	.	.	PUNCT
easat-2280	528	13	https://doi.org/10.1111/poms.12558	https://doi.org/10.1111/poms.12558	NOUN
easat-2280	529	1	[	[	X
easat-2280	529	2	65	65	NUM
easat-2280	529	3	]	]	X
easat-2280	529	4	ülkümen	ülküman	NOUN
easat-2280	529	5	,	,	PUNCT
easat-2280	529	6	g.	g.	PROPN
easat-2280	529	7	,	,	PUNCT
easat-2280	529	8	&	&	CCONJ
easat-2280	529	9	cheema	cheema	PROPN
easat-2280	529	10	,	,	PUNCT
easat-2280	529	11	a.	a.	NOUN
easat-2280	529	12	(	(	PUNCT
easat-2280	529	13	2011	2011	NUM
easat-2280	529	14	)	)	PUNCT
easat-2280	529	15	.	.	PUNCT
easat-2280	530	1	framing	frame	VERB
easat-2280	530	2	goals	goal	NOUN
easat-2280	530	3	to	to	PART
easat-2280	530	4	influence	influence	VERB
easat-2280	530	5	personal	personal	ADJ
easat-2280	530	6	savings	saving	NOUN
easat-2280	530	7	:	:	PUNCT
easat-2280	530	8	the	the	DET
easat-2280	530	9	role	role	NOUN
easat-2280	530	10	of	of	ADP
easat-2280	530	11	specificity	specificity	NOUN
easat-2280	530	12	and	and	CCONJ
easat-2280	530	13	construal	construal	ADJ
easat-2280	530	14	level	level	NOUN
easat-2280	530	15	.	.	PUNCT
easat-2280	531	1	journal	journal	NOUN
easat-2280	531	2	of	of	ADP
easat-2280	531	3	marketing	marketing	NOUN
easat-2280	531	4	research	research	NOUN
easat-2280	531	5	,	,	PUNCT
easat-2280	531	6	48(6	48(6	NOUN
easat-2280	531	7	)	)	PUNCT
easat-2280	531	8	,	,	PUNCT
easat-2280	531	9	958–969	958–969	NUM
easat-2280	531	10	.	.	PUNCT
easat-2280	532	1	https://doi.org/10.1509/jmr.09.0516	https://doi.org/10.1509/jmr.09.0516	PROPN
easat-2280	533	1	[	[	X
easat-2280	533	2	66	66	NUM
easat-2280	533	3	]	]	PUNCT
easat-2280	533	4	wann	wann	PROPN
easat-2280	533	5	,	,	PUNCT
easat-2280	533	6	c.	c.	PROPN
easat-2280	533	7	r.	r.	PROPN
easat-2280	533	8	,	,	PUNCT
easat-2280	533	9	&	&	CCONJ
easat-2280	533	10	burke	burke	PROPN
easat-2280	533	11	-	-	PUNCT
easat-2280	533	12	smalley	smalley	PROPN
easat-2280	533	13	,	,	PUNCT
easat-2280	533	14	l.	l.	PROPN
easat-2280	533	15	a.	a.	PROPN
easat-2280	533	16	(	(	PUNCT
easat-2280	533	17	2023	2023	NUM
easat-2280	533	18	)	)	PUNCT
easat-2280	533	19	.	.	PUNCT
easat-2280	534	1	attributes	attribute	NOUN
easat-2280	534	2	of	of	ADP
easat-2280	534	3	households	household	NOUN
easat-2280	534	4	that	that	PRON
easat-2280	534	5	engage	engage	VERB
easat-2280	534	6	in	in	ADP
easat-2280	534	7	higher	high	ADJ
easat-2280	534	8	levels	level	NOUN
easat-2280	534	9	of	of	ADP
easat-2280	534	10	family	family	NOUN
easat-2280	534	11	financial	financial	ADJ
easat-2280	534	12	planning	planning	NOUN
easat-2280	534	13	.	.	PUNCT
easat-2280	535	1	journal	journal	PROPN
easat-2280	535	2	of	of	ADP
easat-2280	535	3	family	family	NOUN
easat-2280	535	4	and	and	CCONJ
easat-2280	535	5	economic	economic	ADJ
easat-2280	535	6	issues	issue	NOUN
easat-2280	535	7	.	.	PUNCT
easat-2280	536	1	https://doi.org/10.1007/s10834-021-09805-0	https://doi.org/10.1007/s10834-021-09805-0	PUNCT
easat-2280	537	1	[	[	X
easat-2280	537	2	67	67	NUM
easat-2280	537	3	]	]	X
easat-2280	537	4	wanof	wanof	NOUN
easat-2280	537	5	,	,	PUNCT
easat-2280	537	6	m.	m.	NOUN
easat-2280	537	7	i.	i.	PROPN
easat-2280	537	8	(	(	PUNCT
easat-2280	537	9	2023	2023	NUM
easat-2280	537	10	)	)	PUNCT
easat-2280	537	11	.	.	PUNCT
easat-2280	538	1	digital	digital	ADJ
easat-2280	538	2	technology	technology	NOUN
easat-2280	538	3	innovation	innovation	NOUN
easat-2280	538	4	in	in	ADP
easat-2280	538	5	improving	improve	VERB
easat-2280	538	6	financial	financial	ADJ
easat-2280	538	7	access	access	NOUN
easat-2280	538	8	for	for	ADP
easat-2280	538	9	low	low	ADJ
easat-2280	538	10	-	-	PUNCT
easat-2280	538	11	income	income	NOUN
easat-2280	538	12	communities	community	NOUN
easat-2280	538	13	.	.	PUNCT
easat-2280	539	1	technology	technology	NOUN
easat-2280	539	2	and	and	CCONJ
easat-2280	539	3	society	society	NOUN
easat-2280	539	4	perspectives	perspective	NOUN
easat-2280	539	5	(	(	PUNCT
easat-2280	539	6	tacit	tacit	NOUN
easat-2280	539	7	)	)	PUNCT
easat-2280	539	8	,	,	PUNCT
easat-2280	539	9	1(1	1(1	NUM
easat-2280	539	10	)	)	PUNCT
easat-2280	539	11	,	,	PUNCT
easat-2280	539	12	26–34	26–34	NUM
easat-2280	539	13	.	.	PUNCT
easat-2280	540	1	https://doi.org/10.61100/tacit.v1i1.35	https://doi.org/10.61100/tacit.v1i1.35	PROPN
easat-2280	541	1	[	[	X
easat-2280	541	2	68	68	NUM
easat-2280	541	3	]	]	X
easat-2280	541	4	warchlewska	warchlewska	PROPN
easat-2280	541	5	,	,	PUNCT
easat-2280	541	6	a.	a.	PROPN
easat-2280	541	7	j.	j.	PROPN
easat-2280	541	8	,	,	PUNCT
easat-2280	541	9	janc	janc	PROPN
easat-2280	541	10	,	,	PUNCT
easat-2280	541	11	a.	a.	NOUN
easat-2280	541	12	,	,	PUNCT
easat-2280	541	13	&	&	CCONJ
easat-2280	541	14	iwański	iwański	PROPN
easat-2280	541	15	,	,	PUNCT
easat-2280	541	16	r.	r.	PROPN
easat-2280	541	17	(	(	PUNCT
easat-2280	541	18	2021	2021	NUM
easat-2280	541	19	)	)	PUNCT
easat-2280	541	20	.	.	PUNCT
easat-2280	542	1	personal	personal	ADJ
easat-2280	542	2	finances	finance	NOUN
easat-2280	542	3	in	in	ADP
easat-2280	542	4	the	the	DET
easat-2280	542	5	era	era	NOUN
easat-2280	542	6	of	of	ADP
easat-2280	542	7	modern	modern	ADJ
easat-2280	542	8	technological	technological	ADJ
easat-2280	542	9	solutions	solution	NOUN
easat-2280	542	10	.	.	PUNCT
easat-2280	543	1	finanse	finanse	NOUN
easat-2280	543	2	i	i	PRON
easat-2280	543	3	prawo	prawo	PROPN
easat-2280	543	4	finansowe	finansowe	PROPN
easat-2280	543	5	,	,	PUNCT
easat-2280	543	6	1(29	1(29	NUM
easat-2280	543	7	)	)	PUNCT
easat-2280	543	8	,	,	PUNCT
easat-2280	543	9	155–174	155–174	NUM
easat-2280	543	10	.	.	PUNCT
easat-2280	543	11	https://doi.org/10.18778/2391-6478.1.29.09	https://doi.org/10.18778/2391-6478.1.29.09	PROPN
easat-2280	544	1	[	[	X
easat-2280	544	2	69	69	NUM
easat-2280	544	3	]	]	X
easat-2280	544	4	weisser	weisser	NOUN
easat-2280	544	5	,	,	PUNCT
easat-2280	544	6	c.	c.	PROPN
easat-2280	544	7	,	,	PUNCT
easat-2280	544	8	&	&	CCONJ
easat-2280	544	9	renzulli	renzulli	PROPN
easat-2280	544	10	,	,	PUNCT
easat-2280	544	11	k.	k.	PROPN
easat-2280	544	12	a.	a.	PROPN
easat-2280	544	13	(	(	PUNCT
easat-2280	544	14	2017	2017	NUM
easat-2280	544	15	)	)	PUNCT
easat-2280	544	16	.	.	PUNCT
easat-2280	545	1	financial	financial	ADJ
easat-2280	545	2	planning	planning	NOUN
easat-2280	545	3	for	for	ADP
easat-2280	545	4	the	the	DET
easat-2280	545	5	modern	modern	ADJ
easat-2280	545	6	family	family	NOUN
easat-2280	545	7	.	.	PUNCT
easat-2280	546	1	[	[	X
easat-2280	546	2	70	70	NUM
easat-2280	546	3	]	]	X
easat-2280	546	4	wicaksono	wicaksono	PROPN
easat-2280	546	5	,	,	PUNCT
easat-2280	546	6	s.	s.	PROPN
easat-2280	546	7	,	,	PUNCT
easat-2280	546	8	subyantoro	subyantoro	PROPN
easat-2280	546	9	,	,	PUNCT
easat-2280	546	10	e.	e.	PROPN
easat-2280	546	11	,	,	PUNCT
easat-2280	546	12	zuhroh	zuhroh	PROPN
easat-2280	546	13	,	,	PUNCT
easat-2280	546	14	d.	d.	PROPN
easat-2280	546	15	,	,	PUNCT
easat-2280	546	16	werdiningsih	werdiningsih	PROPN
easat-2280	546	17	,	,	PUNCT
easat-2280	546	18	s.	s.	PROPN
easat-2280	546	19	,	,	PUNCT
easat-2280	546	20	&	&	CCONJ
easat-2280	546	21	sarasmitha	sarasmitha	PROPN
easat-2280	546	22	,	,	PUNCT
easat-2280	546	23	c.	c.	PROPN
easat-2280	546	24	(	(	PUNCT
easat-2280	546	25	2022	2022	NUM
easat-2280	546	26	)	)	PUNCT
easat-2280	546	27	.	.	PUNCT
easat-2280	547	1	the	the	DET
easat-2280	547	2	effect	effect	NOUN
easat-2280	547	3	of	of	ADP
easat-2280	547	4	personality	personality	NOUN
easat-2280	547	5	traits	trait	NOUN
easat-2280	547	6	on	on	ADP
easat-2280	547	7	financial	financial	ADJ
easat-2280	547	8	behavior	behavior	NOUN
easat-2280	547	9	and	and	CCONJ
easat-2280	547	10	the	the	DET
easat-2280	547	11	use	use	NOUN
easat-2280	547	12	of	of	ADP
easat-2280	547	13	e	e	NOUN
easat-2280	547	14	-	-	NOUN
easat-2280	547	15	wallet	wallet	NOUN
easat-2280	547	16	as	as	ADP
easat-2280	547	17	intervening	intervene	VERB
easat-2280	547	18	variable	variable	NOUN
easat-2280	547	19	.	.	PUNCT
easat-2280	548	1	icgss	icgss	NOUN
easat-2280	548	2	:	:	PUNCT
easat-2280	548	3	sustainable	sustainable	ADJ
easat-2280	548	4	innovation	innovation	NOUN
easat-2280	548	5	legal	legal	ADJ
easat-2280	548	6	policy	policy	NOUN
easat-2280	548	7	,	,	PUNCT
easat-2280	548	8	alternative	alternative	ADJ
easat-2280	548	9	technology	technology	NOUN
easat-2280	548	10	and	and	CCONJ
easat-2280	548	11	green	green	ADJ
easat-2280	548	12	economy	economy	NOUN
easat-2280	548	13	,	,	PUNCT
easat-2280	548	14	93–106	93–106	NUM
easat-2280	548	15	.	.	PUNCT
easat-2280	549	1	[	[	X
easat-2280	549	2	71	71	NUM
easat-2280	549	3	]	]	PUNCT
easat-2280	549	4	widarwati	widarwati	NOUN
easat-2280	549	5	,	,	PUNCT
easat-2280	549	6	e.	e.	PROPN
easat-2280	549	7	,	,	PUNCT
easat-2280	549	8	nurmalasari	nurmalasari	PROPN
easat-2280	549	9	,	,	PUNCT
easat-2280	549	10	n.	n.	NOUN
easat-2280	549	11	,	,	PUNCT
easat-2280	549	12	&	&	CCONJ
easat-2280	549	13	hamizar	hamizar	PROPN
easat-2280	549	14	,	,	PUNCT
easat-2280	549	15	a.	a.	NOUN
easat-2280	549	16	(	(	PUNCT
easat-2280	549	17	2024	2024	NUM
easat-2280	549	18	)	)	PUNCT
easat-2280	549	19	.	.	PUNCT
easat-2280	550	1	financial	financial	ADJ
easat-2280	550	2	behavior	behavior	NOUN
easat-2280	550	3	and	and	CCONJ
easat-2280	550	4	financial	financial	ADJ
easat-2280	550	5	technology	technology	NOUN
easat-2280	550	6	 	 	SPACE
easat-2280	550	7	:	:	PUNCT
easat-2280	550	8	a	a	DET
easat-2280	550	9	case	case	NOUN
easat-2280	550	10	study	study	NOUN
easat-2280	550	11	of	of	ADP
easat-2280	550	12	peerto	peerto	NOUN
easat-2280	550	13	-	-	PUNCT
easat-2280	550	14	peer	peer	NOUN
easat-2280	550	15	lending	lending	NOUN
easat-2280	550	16	financial	financial	ADJ
easat-2280	550	17	behavior	behavior	NOUN
easat-2280	550	18	and	and	CCONJ
easat-2280	550	19	financial	financial	ADJ
easat-2280	550	20	technology	technology	NOUN
easat-2280	550	21	 	 	SPACE
easat-2280	550	22	:	:	PUNCT
easat-2280	550	23	a	a	DET
easat-2280	550	24	case	case	NOUN
easat-2280	550	25	study	study	NOUN
easat-2280	550	26	of	of	ADP
easat-2280	550	27	peer	peer	NOUN
easat-2280	550	28	-	-	PUNCT
easat-2280	550	29	to	to	ADP
easat-2280	550	30	-	-	PUNCT
easat-2280	550	31	peer	peer	NOUN
easat-2280	550	32	lending	lending	NOUN
easat-2280	550	33	.	.	PUNCT
easat-2280	551	1	august	august	PROPN
easat-2280	551	2	.	.	PUNCT
easat-2280	552	1	[	[	X
easat-2280	552	2	72	72	NUM
easat-2280	552	3	]	]	X
easat-2280	552	4	yang	yang	PROPN
easat-2280	552	5	,	,	PUNCT
easat-2280	552	6	m.	m.	NOUN
easat-2280	552	7	,	,	PUNCT
easat-2280	552	8	al	al	PROPN
easat-2280	552	9	mamun	mamun	PROPN
easat-2280	552	10	,	,	PUNCT
easat-2280	552	11	a.	a.	NOUN
easat-2280	552	12	,	,	PUNCT
easat-2280	552	13	mohiuddin	mohiuddin	NOUN
easat-2280	552	14	,	,	PUNCT
easat-2280	552	15	m.	m.	NOUN
easat-2280	552	16	,	,	PUNCT
easat-2280	552	17	nawi	nawi	ADJ
easat-2280	552	18	,	,	PUNCT
easat-2280	552	19	n.	n.	PROPN
easat-2280	552	20	c.	c.	PROPN
easat-2280	552	21	,	,	PUNCT
easat-2280	552	22	&	&	CCONJ
easat-2280	552	23	zainol	zainol	PROPN
easat-2280	552	24	,	,	PUNCT
easat-2280	552	25	n.	n.	PROPN
easat-2280	552	26	r.	r.	PROPN
easat-2280	552	27	(	(	PUNCT
easat-2280	552	28	2021	2021	NUM
easat-2280	552	29	)	)	PUNCT
easat-2280	552	30	.	.	PUNCT
easat-2280	553	1	cashless	cashless	NOUN
easat-2280	553	2	transactions	transaction	NOUN
easat-2280	553	3	:	:	PUNCT
easat-2280	553	4	a	a	DET
easat-2280	553	5	study	study	NOUN
easat-2280	553	6	on	on	ADP
easat-2280	553	7	intention	intention	NOUN
easat-2280	553	8	and	and	CCONJ
easat-2280	553	9	adoption	adoption	NOUN
easat-2280	553	10	of	of	ADP
easat-2280	553	11	e	e	NOUN
easat-2280	553	12	-	-	NOUN
easat-2280	553	13	wallets	wallet	NOUN
easat-2280	553	14	.	.	PUNCT
easat-2280	554	1	sustainability	sustainability	NOUN
easat-2280	554	2	(	(	PUNCT
easat-2280	554	3	switzerland	switzerland	PROPN
easat-2280	554	4	)	)	PUNCT
easat-2280	554	5	,	,	PUNCT
easat-2280	554	6	13(2	13(2	NOUN
easat-2280	554	7	)	)	PUNCT
easat-2280	554	8	,	,	PUNCT
easat-2280	554	9	1–18	1–18	NUM
easat-2280	554	10	.	.	PUNCT
easat-2280	554	11	https://doi.org/10.3390/su13020831	https://doi.org/10.3390/su13020831	PRON
easat-2280	555	1	[	[	X
easat-2280	555	2	73	73	NUM
easat-2280	555	3	]	]	X
easat-2280	555	4	yeo	yeo	PROPN
easat-2280	555	5	,	,	PUNCT
easat-2280	555	6	k	k	PROPN
easat-2280	555	7	h	h	PROPN
easat-2280	555	8	k	k	PROPN
easat-2280	555	9	,	,	PUNCT
easat-2280	555	10	lim	lim	PROPN
easat-2280	555	11	,	,	PUNCT
easat-2280	555	12	w.	w.	PROPN
easat-2280	555	13	m.	m.	PROPN
easat-2280	555	14	,	,	PUNCT
easat-2280	555	15	&	&	CCONJ
easat-2280	555	16	yii	yii	PROPN
easat-2280	555	17	,	,	PUNCT
easat-2280	555	18	k.	k.	PROPN
easat-2280	555	19	j.	j.	PROPN
easat-2280	555	20	(	(	PUNCT
easat-2280	555	21	2023	2023	NUM
easat-2280	555	22	)	)	PUNCT
easat-2280	555	23	.	.	PUNCT
easat-2280	556	1	financial	financial	ADJ
easat-2280	556	2	planning	planning	NOUN
easat-2280	556	3	behaviour	behaviour	NOUN
easat-2280	556	4	:	:	PUNCT
easat-2280	556	5	a	a	DET
easat-2280	556	6	systematic	systematic	ADJ
easat-2280	556	7	literature	literature	NOUN
easat-2280	556	8	review	review	NOUN
easat-2280	556	9	and	and	CCONJ
easat-2280	556	10	new	new	ADJ
easat-2280	556	11	theory	theory	NOUN
easat-2280	556	12	development	development	NOUN
easat-2280	556	13	.	.	PUNCT
easat-2280	557	1	in	in	ADP
easat-2280	557	2	journal	journal	PROPN
easat-2280	557	3	of	of	ADP
easat-2280	557	4	financial	financial	ADJ
easat-2280	557	5	services	service	NOUN
easat-2280	557	6	marketing	marketing	NOUN
easat-2280	557	7	.	.	PUNCT
easat-2280	558	1	springer	springer	NOUN
easat-2280	558	2	.	.	PUNCT
easat-2280	559	1	https://doi.org/10.1057/s41264-023-00249-1	https://doi.org/10.1057/s41264-023-00249-1	NUM
easat-2280	560	1	[	[	X
easat-2280	560	2	74	74	NUM
easat-2280	560	3	]	]	X
easat-2280	560	4	yeo	yeo	PROPN
easat-2280	560	5	,	,	PUNCT
easat-2280	560	6	kingsley	kingsley	PROPN
easat-2280	560	7	hung	hung	PROPN
easat-2280	560	8	khai	khai	PROPN
easat-2280	560	9	,	,	PUNCT
easat-2280	560	10	lim	lim	PROPN
easat-2280	560	11	,	,	PUNCT
easat-2280	560	12	w.	w.	PROPN
easat-2280	560	13	m.	m.	PROPN
easat-2280	560	14	,	,	PUNCT
easat-2280	560	15	&	&	CCONJ
easat-2280	560	16	yii	yii	PROPN
easat-2280	560	17	,	,	PUNCT
easat-2280	560	18	k.	k.	PROPN
easat-2280	560	19	j.	j.	PROPN
easat-2280	560	20	(	(	PUNCT
easat-2280	560	21	2023a	2023a	NUM
easat-2280	560	22	)	)	PUNCT
easat-2280	560	23	.	.	PUNCT
easat-2280	561	1	financial	financial	ADJ
easat-2280	561	2	planning	planning	NOUN
easat-2280	561	3	behaviour	behaviour	NOUN
easat-2280	561	4	:	:	PUNCT
easat-2280	561	5	a	a	DET
easat-2280	561	6	systematic	systematic	ADJ
easat-2280	561	7	literature	literature	NOUN
easat-2280	561	8	review	review	NOUN
easat-2280	561	9	and	and	CCONJ
easat-2280	561	10	new	new	ADJ
easat-2280	561	11	theory	theory	NOUN
easat-2280	561	12	development	development	NOUN
easat-2280	561	13	.	.	PUNCT
easat-2280	562	1	journal	journal	PROPN
easat-2280	562	2	of	of	ADP
easat-2280	562	3	financial	financial	ADJ
easat-2280	562	4	services	service	NOUN
easat-2280	562	5	marketing	marketing	NOUN
easat-2280	562	6	,	,	PUNCT
easat-2280	562	7	0123456789	0123456789	NUM
easat-2280	562	8	.	.	PUNCT
easat-2280	563	1	https://doi.org/10.1057/s41264023-00249-1	https://doi.org/10.1057/s41264023-00249-1	PROPN
easat-2280	563	2	1594	1594	NUM
easat-2280	563	3	edelweiss	edelweiss	PROPN
easat-2280	563	4	applied	apply	VERB
easat-2280	563	5	science	science	NOUN
easat-2280	563	6	and	and	CCONJ
easat-2280	563	7	technology	technology	NOUN
easat-2280	563	8	issn	issn	PROPN
easat-2280	563	9	:	:	PUNCT
easat-2280	563	10	2576	2576	NUM
easat-2280	563	11	-	-	SYM
easat-2280	563	12	8484	8484	NUM
easat-2280	563	13	vol	vol	NOUN
easat-2280	563	14	.	.	PROPN
easat-2280	563	15	8	8	NUM
easat-2280	563	16	,	,	PUNCT
easat-2280	563	17	no	no	INTJ
easat-2280	563	18	.	.	NOUN
easat-2280	563	19	6	6	NUM
easat-2280	563	20	:	:	SYM
easat-2280	563	21	1577	1577	NUM
easat-2280	563	22	-	-	SYM
easat-2280	563	23	1597	1597	NUM
easat-2280	563	24	,	,	PUNCT
easat-2280	563	25	2024	2024	NUM
easat-2280	563	26	doi	doi	NOUN
easat-2280	563	27	:	:	PUNCT
easat-2280	563	28	10.55214/25768484.v8i6.2280	10.55214/25768484.v8i6.2280	NUM
easat-2280	563	29	©	©	PROPN
easat-2280	563	30	2024	2024	NUM
easat-2280	563	31	by	by	ADP
easat-2280	563	32	the	the	DET
easat-2280	563	33	authors	author	NOUN
easat-2280	563	34	;	;	PUNCT
easat-2280	563	35	licensee	licensee	PROPN
easat-2280	563	36	learning	learning	NOUN
easat-2280	563	37	gate	gate	NOUN
easat-2280	564	1	[	[	X
easat-2280	564	2	75	75	NUM
easat-2280	564	3	]	]	X
easat-2280	564	4	yeo	yeo	PROPN
easat-2280	564	5	,	,	PUNCT
easat-2280	564	6	kingsley	kingsley	PROPN
easat-2280	564	7	hung	hung	PROPN
easat-2280	564	8	khai	khai	PROPN
easat-2280	564	9	,	,	PUNCT
easat-2280	564	10	lim	lim	PROPN
easat-2280	564	11	,	,	PUNCT
easat-2280	564	12	w.	w.	PROPN
easat-2280	564	13	m.	m.	PROPN
easat-2280	564	14	,	,	PUNCT
easat-2280	564	15	&	&	CCONJ
easat-2280	564	16	yii	yii	PROPN
easat-2280	564	17	,	,	PUNCT
easat-2280	564	18	k.	k.	PROPN
easat-2280	564	19	j.	j.	PROPN
easat-2280	564	20	(	(	PUNCT
easat-2280	564	21	2023b	2023b	NUM
easat-2280	564	22	)	)	PUNCT
easat-2280	564	23	.	.	PUNCT
easat-2280	565	1	financial	financial	ADJ
easat-2280	565	2	planning	planning	NOUN
easat-2280	565	3	behaviour	behaviour	NOUN
easat-2280	565	4	:	:	PUNCT
easat-2280	565	5	a	a	DET
easat-2280	565	6	systematic	systematic	ADJ
easat-2280	565	7	literature	literature	NOUN
easat-2280	565	8	review	review	NOUN
easat-2280	565	9	and	and	CCONJ
easat-2280	565	10	new	new	ADJ
easat-2280	565	11	theory	theory	NOUN
easat-2280	565	12	development	development	NOUN
easat-2280	565	13	.	.	PUNCT
easat-2280	566	1	journal	journal	PROPN
easat-2280	566	2	of	of	ADP
easat-2280	566	3	financial	financial	ADJ
easat-2280	566	4	services	service	NOUN
easat-2280	566	5	marketing	marketing	NOUN
easat-2280	566	6	,	,	PUNCT
easat-2280	566	7	29(3	29(3	NUM
easat-2280	566	8	)	)	PUNCT
easat-2280	566	9	,	,	PUNCT
easat-2280	566	10	979–1001	979–1001	X
easat-2280	566	11	.	.	PUNCT
easat-2280	566	12	https://doi.org/10.1057/s41264-023-00249-1	https://doi.org/10.1057/s41264-023-00249-1	NUM
easat-2280	567	1	[	[	X
easat-2280	567	2	76	76	NUM
easat-2280	567	3	]	]	X
easat-2280	567	4	zhang	zhang	PROPN
easat-2280	567	5	,	,	PUNCT
easat-2280	567	6	x.	x.	PROPN
easat-2280	567	7	h.	h.	PROPN
easat-2280	567	8	,	,	PUNCT
easat-2280	567	9	chang	chang	PROPN
easat-2280	567	10	,	,	PUNCT
easat-2280	567	11	b.	b.	PROPN
easat-2280	567	12	g.	g.	PROPN
easat-2280	567	13	,	,	PUNCT
easat-2280	567	14	&	&	CCONJ
easat-2280	567	15	wu	wu	PROPN
easat-2280	567	16	,	,	PUNCT
easat-2280	567	17	k.	k.	PROPN
easat-2280	567	18	s.	s.	PROPN
easat-2280	567	19	(	(	PUNCT
easat-2280	567	20	2022	2022	NUM
easat-2280	567	21	)	)	PUNCT
easat-2280	567	22	.	.	PUNCT
easat-2280	568	1	covid-19	covid-19	PROPN
easat-2280	568	2	shock	shock	NOUN
easat-2280	568	3	,	,	PUNCT
easat-2280	568	4	financial	financial	ADJ
easat-2280	568	5	flexibility	flexibility	NOUN
easat-2280	568	6	,	,	PUNCT
easat-2280	568	7	and	and	CCONJ
easat-2280	568	8	hotels	hotel	NOUN
easat-2280	568	9	’	'	PUNCT
easat-2280	568	10	performance	performance	NOUN
easat-2280	568	11	nexus	nexus	NOUN
easat-2280	568	12	.	.	PUNCT
easat-2280	569	1	frontiers	frontier	NOUN
easat-2280	569	2	in	in	ADP
easat-2280	569	3	public	public	ADJ
easat-2280	569	4	health	health	NOUN
easat-2280	569	5	,	,	PUNCT
easat-2280	569	6	10(april	10(april	NUM
easat-2280	569	7	)	)	PUNCT
easat-2280	569	8	,	,	PUNCT
easat-2280	569	9	1–12	1–12	NOUN
easat-2280	569	10	.	.	PUNCT
easat-2280	570	1	https://doi.org/10.3389/fpubh.2022.792946	https://doi.org/10.3389/fpubh.2022.792946	NOUN
easat-2280	570	2	appendix	appendix	ADJ
easat-2280	570	3	hypothesis	hypothesis	NOUN
easat-2280	570	4	testing	test	VERB
easat-2280	570	5	latent	latent	PROPN
easat-2280	570	6	variable	variable	ADJ
easat-2280	570	7	test	test	NOUN
easat-2280	570	8	1595	1595	NUM
easat-2280	570	9	edelweiss	edelweiss	PROPN
easat-2280	570	10	applied	apply	VERB
easat-2280	570	11	science	science	NOUN
easat-2280	570	12	and	and	CCONJ
easat-2280	570	13	technology	technology	NOUN
easat-2280	570	14	issn	issn	PROPN
easat-2280	570	15	:	:	PUNCT
easat-2280	570	16	2576	2576	NUM
easat-2280	570	17	-	-	SYM
easat-2280	570	18	8484	8484	NUM
easat-2280	570	19	vol	vol	NOUN
easat-2280	570	20	.	.	PROPN
easat-2280	570	21	8	8	NUM
easat-2280	570	22	,	,	PUNCT
easat-2280	570	23	no	no	INTJ
easat-2280	570	24	.	.	NOUN
easat-2280	570	25	6	6	NUM
easat-2280	570	26	:	:	SYM
easat-2280	570	27	1577	1577	NUM
easat-2280	570	28	-	-	SYM
easat-2280	570	29	1597	1597	NUM
easat-2280	570	30	,	,	PUNCT
easat-2280	570	31	2024	2024	NUM
easat-2280	570	32	doi	doi	NOUN
easat-2280	570	33	:	:	PUNCT
easat-2280	570	34	10.55214/25768484.v8i6.2280	10.55214/25768484.v8i6.2280	NUM
easat-2280	570	35	©	©	PROPN
easat-2280	570	36	2024	2024	NUM
easat-2280	570	37	by	by	ADP
easat-2280	570	38	the	the	DET
easat-2280	570	39	authors	author	NOUN
easat-2280	570	40	;	;	PUNCT
easat-2280	570	41	licensee	licensee	PROPN
easat-2280	570	42	learning	learning	NOUN
easat-2280	570	43	gate	gate	PROPN
easat-2280	570	44	1596	1596	NUM
easat-2280	570	45	edelweiss	edelweiss	PROPN
easat-2280	570	46	applied	apply	VERB
easat-2280	570	47	science	science	NOUN
easat-2280	570	48	and	and	CCONJ
easat-2280	570	49	technology	technology	NOUN
easat-2280	570	50	issn	issn	PROPN
easat-2280	570	51	:	:	PUNCT
easat-2280	570	52	2576	2576	NUM
easat-2280	570	53	-	-	SYM
easat-2280	570	54	8484	8484	NUM
easat-2280	570	55	vol	vol	NOUN
easat-2280	570	56	.	.	PROPN
easat-2280	570	57	8	8	NUM
easat-2280	570	58	,	,	PUNCT
easat-2280	570	59	no	no	INTJ
easat-2280	570	60	.	.	NOUN
easat-2280	570	61	6	6	NUM
easat-2280	570	62	:	:	SYM
easat-2280	570	63	1577	1577	NUM
easat-2280	570	64	-	-	SYM
easat-2280	570	65	1597	1597	NUM
easat-2280	570	66	,	,	PUNCT
easat-2280	570	67	2024	2024	NUM
easat-2280	570	68	doi	doi	NOUN
easat-2280	570	69	:	:	PUNCT
easat-2280	570	70	10.55214/25768484.v8i6.2280	10.55214/25768484.v8i6.2280	NUM
easat-2280	570	71	©	©	PROPN
easat-2280	570	72	2024	2024	NUM
easat-2280	570	73	by	by	ADP
easat-2280	570	74	the	the	DET
easat-2280	570	75	authors	author	NOUN
easat-2280	570	76	;	;	PUNCT
easat-2280	570	77	licensee	licensee	PROPN
easat-2280	570	78	learning	learn	VERB
easat-2280	570	79	gate	gate	NOUN
easat-2280	570	80	hypothesis	hypothesis	NOUN
easat-2280	570	81	testing	testing	NOUN
easat-2280	570	82	of	of	ADP
easat-2280	570	83	moderating	moderate	VERB
easat-2280	570	84	variables	variable	NOUN
easat-2280	570	85	1597	1597	NUM
easat-2280	570	86	edelweiss	edelweiss	PROPN
easat-2280	570	87	applied	apply	VERB
easat-2280	570	88	science	science	NOUN
easat-2280	570	89	and	and	CCONJ
easat-2280	570	90	technology	technology	NOUN
easat-2280	570	91	issn	issn	PROPN
easat-2280	570	92	:	:	PUNCT
easat-2280	570	93	2576	2576	NUM
easat-2280	570	94	-	-	SYM
easat-2280	570	95	8484	8484	NUM
easat-2280	570	96	vol	vol	NOUN
easat-2280	570	97	.	.	PROPN
easat-2280	570	98	8	8	NUM
easat-2280	570	99	,	,	PUNCT
easat-2280	570	100	no	no	INTJ
easat-2280	570	101	.	.	NOUN
easat-2280	570	102	6	6	NUM
easat-2280	570	103	:	:	SYM
easat-2280	570	104	1577	1577	NUM
easat-2280	570	105	-	-	SYM
easat-2280	570	106	1597	1597	NUM
easat-2280	570	107	,	,	PUNCT
easat-2280	570	108	2024	2024	NUM
easat-2280	570	109	doi	doi	NOUN
easat-2280	570	110	:	:	PUNCT
easat-2280	570	111	10.55214/25768484.v8i6.2280	10.55214/25768484.v8i6.2280	NUM
easat-2280	570	112	©	©	PROPN
easat-2280	570	113	2024	2024	NUM
easat-2280	570	114	by	by	ADP
easat-2280	570	115	the	the	DET
easat-2280	570	116	authors	author	NOUN
easat-2280	570	117	;	;	PUNCT
easat-2280	570	118	licensee	licensee	PROPN
easat-2280	570	119	learning	learning	NOUN
easat-2280	570	120	gate	gate	NOUN