id	sid	tid	token	lemma	pos
easat-4937	1	1	edelweiss	edelweiss	PROPN
easat-4937	1	2	applied	apply	VERB
easat-4937	1	3	science	science	NOUN
easat-4937	1	4	and	and	CCONJ
easat-4937	1	5	technology	technology	NOUN
easat-4937	1	6	issn	issn	PROPN
easat-4937	1	7	:	:	PUNCT
easat-4937	1	8	2576	2576	NUM
easat-4937	1	9	-	-	SYM
easat-4937	1	10	8484	8484	NUM
easat-4937	1	11	vol	vol	NOUN
easat-4937	1	12	.	.	PROPN
easat-4937	2	1	9	9	NUM
easat-4937	2	2	,	,	PUNCT
easat-4937	2	3	no	no	INTJ
easat-4937	2	4	.	.	NOUN
easat-4937	2	5	2	2	NUM
easat-4937	2	6	,	,	PUNCT
easat-4937	2	7	1839	1839	NUM
easat-4937	2	8	-	-	SYM
easat-4937	2	9	1851	1851	NUM
easat-4937	2	10	2025	2025	NUM
easat-4937	2	11	publisher	publisher	NOUN
easat-4937	2	12	:	:	PUNCT
easat-4937	2	13	learning	learn	VERB
easat-4937	2	14	gate	gate	NOUN
easat-4937	2	15	doi	doi	PROPN
easat-4937	2	16	:	:	PUNCT
easat-4937	2	17	10.55214/25768484.v9i2.4937	10.55214/25768484.v9i2.4937	NUM
easat-4937	2	18	©	©	PROPN
easat-4937	2	19	2025	2025	NUM
easat-4937	2	20	by	by	ADP
easat-4937	2	21	the	the	DET
easat-4937	2	22	authors	author	NOUN
easat-4937	2	23	;	;	PUNCT
easat-4937	2	24	licensee	licensee	PROPN
easat-4937	2	25	learning	learning	NOUN
easat-4937	2	26	gate	gate	NOUN
easat-4937	3	1	©	©	PROPN
easat-4937	3	2	2025	2025	NUM
easat-4937	3	3	by	by	ADP
easat-4937	3	4	the	the	DET
easat-4937	3	5	authors	author	NOUN
easat-4937	3	6	;	;	PUNCT
easat-4937	3	7	licensee	licensee	PROPN
easat-4937	3	8	learning	learning	NOUN
easat-4937	3	9	gate	gate	NOUN
easat-4937	3	10	history	history	NOUN
easat-4937	3	11	:	:	PUNCT
easat-4937	3	12	received	receive	VERB
easat-4937	3	13	:	:	PUNCT
easat-4937	3	14	23	23	NUM
easat-4937	3	15	december	december	PROPN
easat-4937	3	16	2024	2024	NUM
easat-4937	3	17	;	;	PUNCT
easat-4937	3	18	revised	revise	VERB
easat-4937	3	19	:	:	PUNCT
easat-4937	3	20	24	24	NUM
easat-4937	3	21	january	january	PROPN
easat-4937	3	22	2025	2025	NUM
easat-4937	3	23	;	;	PUNCT
easat-4937	3	24	accepted	accept	VERB
easat-4937	3	25	:	:	PUNCT
easat-4937	3	26	27	27	NUM
easat-4937	3	27	january	january	NOUN
easat-4937	3	28	2025	2025	NUM
easat-4937	3	29	;	;	PUNCT
easat-4937	3	30	published	publish	VERB
easat-4937	3	31	:	:	PUNCT
easat-4937	3	32	20	20	NUM
easat-4937	3	33	february	february	NOUN
easat-4937	3	34	2025	2025	NUM
easat-4937	3	35	*	*	PUNCT
easat-4937	3	36	correspondence	correspondence	NOUN
easat-4937	3	37	:	:	PUNCT
easat-4937	3	38	elvita.putri@binus.ac.id	elvita.putri@binus.ac.id	PUNCT
easat-4937	3	39	investing	invest	VERB
easat-4937	3	40	in	in	ADP
easat-4937	3	41	the	the	DET
easat-4937	3	42	digital	digital	ADJ
easat-4937	3	43	age	age	NOUN
easat-4937	3	44	:	:	PUNCT
easat-4937	3	45	exploring	explore	VERB
easat-4937	3	46	the	the	DET
easat-4937	3	47	underlying	underlie	VERB
easat-4937	3	48	motivations	motivation	NOUN
easat-4937	3	49	of	of	ADP
easat-4937	3	50	p2p	p2p	NOUN
easat-4937	3	51	lenders	lender	NOUN
easat-4937	3	52	elvita	elvita	VERB
easat-4937	3	53	rahmayanti	rahmayanti	NOUN
easat-4937	3	54	putri1	putri1	PROPN
easat-4937	3	55	*	*	PROPN
easat-4937	3	56	,	,	PUNCT
easat-4937	4	1	rosaline	rosaline	PROPN
easat-4937	4	2	tandiono2	tandiono2	PROPN
easat-4937	4	3	1,2accounting	1,2accounting	PROPN
easat-4937	4	4	department	department	PROPN
easat-4937	4	5	,	,	PUNCT
easat-4937	4	6	school	school	NOUN
easat-4937	4	7	of	of	ADP
easat-4937	4	8	accounting	accounting	NOUN
easat-4937	4	9	-	-	PUNCT
easat-4937	4	10	master	master	NOUN
easat-4937	4	11	of	of	ADP
easat-4937	4	12	accounting	accounting	PROPN
easat-4937	4	13	,	,	PUNCT
easat-4937	4	14	bina	bina	PROPN
easat-4937	4	15	nusantara	nusantara	PROPN
easat-4937	4	16	university	university	PROPN
easat-4937	4	17	,	,	PUNCT
easat-4937	4	18	jakarta	jakarta	PROPN
easat-4937	4	19	,	,	PUNCT
easat-4937	4	20	11480	11480	NUM
easat-4937	4	21	,	,	PUNCT
easat-4937	4	22	indonesia	indonesia	PROPN
easat-4937	4	23	;	;	PUNCT
easat-4937	4	24	elvita.putri@binus.ac.id	elvita.putri@binus.ac.id	NUM
easat-4937	4	25	(	(	PUNCT
easat-4937	4	26	e.r.p	e.r.p	NOUN
easat-4937	4	27	.	.	PUNCT
easat-4937	4	28	)	)	PUNCT
easat-4937	4	29	.	.	PUNCT
easat-4937	5	1	abstract	abstract	ADV
easat-4937	5	2	:	:	PUNCT
easat-4937	5	3	this	this	DET
easat-4937	5	4	study	study	NOUN
easat-4937	5	5	investigates	investigate	VERB
easat-4937	5	6	the	the	DET
easat-4937	5	7	underlying	underlie	VERB
easat-4937	5	8	motivations	motivation	NOUN
easat-4937	5	9	of	of	ADP
easat-4937	5	10	lenders	lender	NOUN
easat-4937	5	11	in	in	ADP
easat-4937	5	12	peer	peer	NOUN
easat-4937	5	13	-	-	PUNCT
easat-4937	5	14	to	to	ADP
easat-4937	5	15	-	-	PUNCT
easat-4937	5	16	peer	peer	NOUN
easat-4937	5	17	(	(	PUNCT
easat-4937	5	18	p2p	p2p	NOUN
easat-4937	5	19	)	)	PUNCT
easat-4937	5	20	lending	lending	NOUN
easat-4937	5	21	,	,	PUNCT
easat-4937	5	22	using	use	VERB
easat-4937	5	23	the	the	DET
easat-4937	5	24	theory	theory	NOUN
easat-4937	5	25	of	of	ADP
easat-4937	5	26	planned	plan	VERB
easat-4937	5	27	behavior	behavior	NOUN
easat-4937	5	28	as	as	ADP
easat-4937	5	29	its	its	PRON
easat-4937	5	30	framework	framework	NOUN
easat-4937	5	31	.	.	PUNCT
easat-4937	6	1	based	base	VERB
easat-4937	6	2	on	on	ADP
easat-4937	6	3	qualitative	qualitative	ADJ
easat-4937	6	4	interviews	interview	NOUN
easat-4937	6	5	,	,	PUNCT
easat-4937	6	6	findings	finding	NOUN
easat-4937	6	7	reveal	reveal	VERB
easat-4937	6	8	that	that	SCONJ
easat-4937	6	9	lenders	lender	NOUN
easat-4937	6	10	exhibit	exhibit	VERB
easat-4937	6	11	a	a	DET
easat-4937	6	12	positive	positive	ADJ
easat-4937	6	13	attitude	attitude	NOUN
easat-4937	6	14	toward	toward	ADP
easat-4937	6	15	p2p	p2p	NOUN
easat-4937	6	16	lending	lending	NOUN
easat-4937	6	17	,	,	PUNCT
easat-4937	6	18	driven	drive	VERB
easat-4937	6	19	by	by	ADP
easat-4937	6	20	opportunistic	opportunistic	ADJ
easat-4937	6	21	investment	investment	NOUN
easat-4937	6	22	decisions	decision	NOUN
easat-4937	6	23	,	,	PUNCT
easat-4937	6	24	the	the	DET
easat-4937	6	25	perception	perception	NOUN
easat-4937	6	26	of	of	ADP
easat-4937	6	27	relatively	relatively	ADV
easat-4937	6	28	low	low	ADJ
easat-4937	6	29	-	-	PUNCT
easat-4937	6	30	risk	risk	NOUN
easat-4937	6	31	investments	investment	NOUN
easat-4937	6	32	,	,	PUNCT
easat-4937	6	33	and	and	CCONJ
easat-4937	6	34	the	the	DET
easat-4937	6	35	availability	availability	NOUN
easat-4937	6	36	of	of	ADP
easat-4937	6	37	disposable	disposable	ADJ
easat-4937	6	38	income	income	NOUN
easat-4937	6	39	.	.	PUNCT
easat-4937	7	1	this	this	DET
easat-4937	7	2	attitude	attitude	NOUN
easat-4937	7	3	is	be	AUX
easat-4937	7	4	further	far	ADV
easat-4937	7	5	reinforced	reinforce	VERB
easat-4937	7	6	by	by	ADP
easat-4937	7	7	the	the	DET
easat-4937	7	8	accessibility	accessibility	NOUN
easat-4937	7	9	of	of	ADP
easat-4937	7	10	investment	investment	NOUN
easat-4937	7	11	-	-	PUNCT
easat-4937	7	12	related	relate	VERB
easat-4937	7	13	information	information	NOUN
easat-4937	7	14	on	on	ADP
easat-4937	7	15	digital	digital	ADJ
easat-4937	7	16	platforms	platform	NOUN
easat-4937	7	17	.	.	PUNCT
easat-4937	8	1	beyond	beyond	ADP
easat-4937	8	2	individual	individual	ADJ
easat-4937	8	3	motivations	motivation	NOUN
easat-4937	8	4	,	,	PUNCT
easat-4937	8	5	social	social	ADJ
easat-4937	8	6	influence	influence	NOUN
easat-4937	8	7	plays	play	VERB
easat-4937	8	8	a	a	DET
easat-4937	8	9	crucial	crucial	ADJ
easat-4937	8	10	role	role	NOUN
easat-4937	8	11	,	,	PUNCT
easat-4937	8	12	as	as	SCONJ
easat-4937	8	13	family	family	NOUN
easat-4937	8	14	members	member	NOUN
easat-4937	8	15	and	and	CCONJ
easat-4937	8	16	digital	digital	ADJ
easat-4937	8	17	influencers	influencer	NOUN
easat-4937	8	18	significantly	significantly	ADV
easat-4937	8	19	impact	impact	VERB
easat-4937	8	20	lenders	lender	NOUN
easat-4937	8	21	'	'	PART
easat-4937	8	22	investment	investment	NOUN
easat-4937	8	23	choices	choice	NOUN
easat-4937	8	24	.	.	PUNCT
easat-4937	9	1	additionally	additionally	ADV
easat-4937	9	2	,	,	PUNCT
easat-4937	9	3	perceived	perceive	VERB
easat-4937	9	4	behavioral	behavioral	ADJ
easat-4937	9	5	control	control	NOUN
easat-4937	9	6	in	in	ADP
easat-4937	9	7	digital	digital	ADJ
easat-4937	9	8	investment	investment	NOUN
easat-4937	9	9	environments	environment	NOUN
easat-4937	9	10	is	be	AUX
easat-4937	9	11	shaped	shape	VERB
easat-4937	9	12	not	not	PART
easat-4937	9	13	only	only	ADV
easat-4937	9	14	by	by	ADP
easat-4937	9	15	regulatory	regulatory	ADJ
easat-4937	9	16	structures	structure	NOUN
easat-4937	9	17	and	and	CCONJ
easat-4937	9	18	platform	platform	NOUN
easat-4937	9	19	transparency	transparency	NOUN
easat-4937	9	20	but	but	CCONJ
easat-4937	9	21	also	also	ADV
easat-4937	9	22	by	by	ADP
easat-4937	9	23	decentralized	decentralized	ADJ
easat-4937	9	24	information	information	NOUN
easat-4937	9	25	sources	source	NOUN
easat-4937	9	26	,	,	PUNCT
easat-4937	9	27	investment	investment	NOUN
easat-4937	9	28	flexibility	flexibility	NOUN
easat-4937	9	29	,	,	PUNCT
easat-4937	9	30	and	and	CCONJ
easat-4937	9	31	experiential	experiential	ADJ
easat-4937	9	32	learning	learning	NOUN
easat-4937	9	33	.	.	PUNCT
easat-4937	10	1	these	these	DET
easat-4937	10	2	findings	finding	NOUN
easat-4937	10	3	emphasize	emphasize	VERB
easat-4937	10	4	the	the	DET
easat-4937	10	5	transformative	transformative	ADJ
easat-4937	10	6	role	role	NOUN
easat-4937	10	7	of	of	ADP
easat-4937	10	8	digital	digital	ADJ
easat-4937	10	9	finance	finance	NOUN
easat-4937	10	10	in	in	ADP
easat-4937	10	11	shaping	shape	VERB
easat-4937	10	12	investor	investor	NOUN
easat-4937	10	13	autonomy	autonomy	NOUN
easat-4937	10	14	and	and	CCONJ
easat-4937	10	15	risk	risk	NOUN
easat-4937	10	16	perception	perception	NOUN
easat-4937	10	17	.	.	PUNCT
easat-4937	11	1	the	the	DET
easat-4937	11	2	study	study	NOUN
easat-4937	11	3	offers	offer	VERB
easat-4937	11	4	practical	practical	ADJ
easat-4937	11	5	insights	insight	NOUN
easat-4937	11	6	for	for	ADP
easat-4937	11	7	p2p	p2p	NOUN
easat-4937	11	8	lending	lending	NOUN
easat-4937	11	9	platforms	platform	NOUN
easat-4937	11	10	to	to	PART
easat-4937	11	11	develop	develop	VERB
easat-4937	11	12	more	more	ADV
easat-4937	11	13	effective	effective	ADJ
easat-4937	11	14	communication	communication	NOUN
easat-4937	11	15	and	and	CCONJ
easat-4937	11	16	engagement	engagement	NOUN
easat-4937	11	17	strategies	strategy	NOUN
easat-4937	11	18	tailored	tailor	VERB
easat-4937	11	19	to	to	PART
easat-4937	11	20	digitally	digitally	ADV
easat-4937	11	21	savvy	savvy	ADJ
easat-4937	11	22	investors	investor	NOUN
easat-4937	11	23	.	.	PUNCT
easat-4937	12	1	keywords	keyword	NOUN
easat-4937	12	2	:	:	PUNCT
easat-4937	12	3	digital	digital	ADJ
easat-4937	12	4	finance	finance	NOUN
easat-4937	12	5	,	,	PUNCT
easat-4937	12	6	financial	financial	ADJ
easat-4937	12	7	autonomy	autonomy	NOUN
easat-4937	12	8	,	,	PUNCT
easat-4937	12	9	investment	investment	NOUN
easat-4937	12	10	decisions	decision	NOUN
easat-4937	12	11	,	,	PUNCT
easat-4937	12	12	p2p	p2p	NOUN
easat-4937	12	13	lending	lending	NOUN
easat-4937	12	14	,	,	PUNCT
easat-4937	12	15	perceived	perceive	VERB
easat-4937	12	16	behavioral	behavioral	ADJ
easat-4937	12	17	control	control	NOUN
easat-4937	12	18	,	,	PUNCT
easat-4937	12	19	social	social	ADJ
easat-4937	12	20	influence	influence	NOUN
easat-4937	12	21	,	,	PUNCT
easat-4937	12	22	theory	theory	NOUN
easat-4937	12	23	of	of	ADP
easat-4937	12	24	planned	plan	VERB
easat-4937	12	25	behavior	behavior	NOUN
easat-4937	12	26	.	.	PUNCT
easat-4937	13	1	1	1	X
easat-4937	13	2	.	.	X
easat-4937	13	3	introduction	introduction	NOUN
easat-4937	13	4	technological	technological	ADJ
easat-4937	13	5	advancements	advancement	NOUN
easat-4937	13	6	have	have	AUX
easat-4937	13	7	significantly	significantly	ADV
easat-4937	13	8	transformed	transform	VERB
easat-4937	13	9	various	various	ADJ
easat-4937	13	10	sectors	sector	NOUN
easat-4937	13	11	,	,	PUNCT
easat-4937	13	12	especially	especially	ADV
easat-4937	13	13	through	through	ADP
easat-4937	13	14	digitalization	digitalization	NOUN
easat-4937	13	15	.	.	PUNCT
easat-4937	14	1	digitalization	digitalization	NOUN
easat-4937	14	2	involves	involve	VERB
easat-4937	14	3	reorganizing	reorganize	VERB
easat-4937	14	4	various	various	ADJ
easat-4937	14	5	aspects	aspect	NOUN
easat-4937	14	6	of	of	ADP
easat-4937	14	7	social	social	ADJ
easat-4937	14	8	life	life	NOUN
easat-4937	14	9	around	around	ADP
easat-4937	14	10	digital	digital	ADJ
easat-4937	14	11	communication	communication	NOUN
easat-4937	14	12	systems	system	NOUN
easat-4937	14	13	and	and	CCONJ
easat-4937	14	14	media	medium	NOUN
easat-4937	14	15	infrastructures	infrastructure	NOUN
easat-4937	14	16	brennen	brennen	NOUN
easat-4937	14	17	and	and	CCONJ
easat-4937	14	18	kreiss	kreiss	NOUN
easat-4937	15	1	[	[	X
easat-4937	15	2	1	1	NUM
easat-4937	15	3	]	]	PUNCT
easat-4937	16	1	which	which	PRON
easat-4937	16	2	enhances	enhance	VERB
easat-4937	16	3	communication	communication	NOUN
easat-4937	16	4	and	and	CCONJ
easat-4937	16	5	access	access	NOUN
easat-4937	16	6	to	to	ADP
easat-4937	16	7	information	information	NOUN
easat-4937	16	8	[	[	X
easat-4937	16	9	2	2	NUM
easat-4937	16	10	]	]	PUNCT
easat-4937	16	11	.	.	PUNCT
easat-4937	17	1	digitalization	digitalization	NOUN
easat-4937	17	2	has	have	AUX
easat-4937	17	3	also	also	ADV
easat-4937	17	4	paved	pave	VERB
easat-4937	17	5	the	the	DET
easat-4937	17	6	way	way	NOUN
easat-4937	17	7	for	for	ADP
easat-4937	17	8	financial	financial	ADJ
easat-4937	17	9	technology	technology	NOUN
easat-4937	17	10	,	,	PUNCT
easat-4937	17	11	notably	notably	ADV
easat-4937	17	12	peer	peer	NOUN
easat-4937	17	13	-	-	PUNCT
easat-4937	17	14	to	to	ADP
easat-4937	17	15	-	-	PUNCT
easat-4937	17	16	peer	peer	NOUN
easat-4937	17	17	(	(	PUNCT
easat-4937	17	18	p2p	p2p	NOUN
easat-4937	17	19	)	)	PUNCT
easat-4937	17	20	lending	lending	NOUN
easat-4937	17	21	.	.	PUNCT
easat-4937	18	1	p2p	p2p	NOUN
easat-4937	18	2	lending	lending	NOUN
easat-4937	18	3	allows	allow	VERB
easat-4937	18	4	individuals	individual	NOUN
easat-4937	18	5	and	and	CCONJ
easat-4937	18	6	businesses	business	NOUN
easat-4937	18	7	to	to	PART
easat-4937	18	8	borrow	borrow	VERB
easat-4937	18	9	and	and	CCONJ
easat-4937	18	10	lend	lend	VERB
easat-4937	18	11	directly	directly	ADV
easat-4937	18	12	through	through	ADP
easat-4937	18	13	online	online	ADJ
easat-4937	18	14	platforms	platform	NOUN
easat-4937	19	1	[	[	X
easat-4937	19	2	3	3	NUM
easat-4937	19	3	]	]	PUNCT
easat-4937	19	4	.	.	PUNCT
easat-4937	20	1	p2p	p2p	NOUN
easat-4937	20	2	lending	lend	VERB
easat-4937	20	3	not	not	PART
easat-4937	20	4	only	only	ADV
easat-4937	20	5	streamlines	streamline	VERB
easat-4937	20	6	the	the	DET
easat-4937	20	7	lending	lending	NOUN
easat-4937	20	8	process	process	NOUN
easat-4937	20	9	but	but	CCONJ
easat-4937	20	10	also	also	ADV
easat-4937	20	11	appeals	appeal	VERB
easat-4937	20	12	to	to	ADP
easat-4937	20	13	both	both	DET
easat-4937	20	14	parties	party	NOUN
easat-4937	20	15	:	:	PUNCT
easat-4937	20	16	lenders	lender	NOUN
easat-4937	20	17	potentially	potentially	ADV
easat-4937	20	18	gain	gain	VERB
easat-4937	20	19	higher	high	ADJ
easat-4937	20	20	returns	return	NOUN
easat-4937	20	21	pierrakis	pierrakis	PROPN
easat-4937	21	1	[	[	X
easat-4937	21	2	4	4	X
easat-4937	21	3	]	]	PUNCT
easat-4937	21	4	while	while	SCONJ
easat-4937	21	5	borrowers	borrower	NOUN
easat-4937	21	6	access	access	VERB
easat-4937	21	7	alternative	alternative	ADJ
easat-4937	21	8	funding	funding	NOUN
easat-4937	21	9	options	option	NOUN
easat-4937	21	10	that	that	PRON
easat-4937	21	11	are	be	AUX
easat-4937	21	12	limited	limit	VERB
easat-4937	21	13	through	through	ADP
easat-4937	21	14	traditional	traditional	ADJ
easat-4937	21	15	channels	channel	NOUN
easat-4937	21	16	[	[	X
easat-4937	21	17	5	5	NUM
easat-4937	21	18	]	]	PUNCT
easat-4937	21	19	.	.	PUNCT
easat-4937	22	1	the	the	DET
easat-4937	22	2	growing	grow	VERB
easat-4937	22	3	popularity	popularity	NOUN
easat-4937	22	4	of	of	ADP
easat-4937	22	5	p2p	p2p	NOUN
easat-4937	22	6	lending	lending	NOUN
easat-4937	22	7	has	have	AUX
easat-4937	22	8	led	lead	VERB
easat-4937	22	9	to	to	ADP
easat-4937	22	10	extensive	extensive	ADJ
easat-4937	22	11	research	research	NOUN
easat-4937	22	12	on	on	ADP
easat-4937	22	13	the	the	DET
easat-4937	22	14	factors	factor	NOUN
easat-4937	22	15	influencing	influence	VERB
easat-4937	22	16	lenders	lender	NOUN
easat-4937	22	17	’	’	PART
easat-4937	22	18	investment	investment	NOUN
easat-4937	22	19	decisions	decision	NOUN
easat-4937	22	20	.	.	PUNCT
easat-4937	23	1	among	among	ADP
easat-4937	23	2	these	these	DET
easat-4937	23	3	factors	factor	NOUN
easat-4937	23	4	,	,	PUNCT
easat-4937	23	5	borrowers	borrower	NOUN
easat-4937	23	6	’	'	PUNCT
easat-4937	23	7	characteristics	characteristic	NOUN
easat-4937	23	8	play	play	VERB
easat-4937	23	9	a	a	DET
easat-4937	23	10	pivotal	pivotal	ADJ
easat-4937	23	11	role	role	NOUN
easat-4937	23	12	.	.	PUNCT
easat-4937	24	1	for	for	ADP
easat-4937	24	2	instance	instance	NOUN
easat-4937	24	3	,	,	PUNCT
easat-4937	24	4	chen	chen	PROPN
easat-4937	24	5	,	,	PUNCT
easat-4937	24	6	et	et	PROPN
easat-4937	24	7	al	al	PROPN
easat-4937	24	8	.	.	PUNCT
easat-4937	25	1	[	[	X
easat-4937	25	2	6	6	NUM
easat-4937	25	3	]	]	PUNCT
easat-4937	25	4	demonstrated	demonstrate	VERB
easat-4937	25	5	that	that	SCONJ
easat-4937	25	6	borrowers	borrower	NOUN
easat-4937	25	7	with	with	ADP
easat-4937	25	8	higher	high	ADJ
easat-4937	25	9	education	education	NOUN
easat-4937	25	10	levels	level	NOUN
easat-4937	25	11	and	and	CCONJ
easat-4937	25	12	those	those	PRON
easat-4937	25	13	residing	reside	VERB
easat-4937	25	14	in	in	ADP
easat-4937	25	15	the	the	DET
easat-4937	25	16	same	same	ADJ
easat-4937	25	17	state	state	NOUN
easat-4937	25	18	as	as	SCONJ
easat-4937	25	19	the	the	DET
easat-4937	25	20	lenders	lender	NOUN
easat-4937	25	21	are	be	AUX
easat-4937	25	22	more	more	ADV
easat-4937	25	23	likely	likely	ADJ
easat-4937	25	24	to	to	PART
easat-4937	25	25	secure	secure	VERB
easat-4937	25	26	loans	loan	NOUN
easat-4937	25	27	.	.	PUNCT
easat-4937	26	1	other	other	ADJ
easat-4937	26	2	studies	study	NOUN
easat-4937	26	3	,	,	PUNCT
easat-4937	26	4	such	such	ADJ
easat-4937	26	5	as	as	ADP
easat-4937	26	6	those	those	PRON
easat-4937	26	7	by	by	ADP
easat-4937	26	8	caglayan	caglayan	NOUN
easat-4937	26	9	,	,	PUNCT
easat-4937	26	10	et	et	PROPN
easat-4937	26	11	al	al	PROPN
easat-4937	26	12	.	.	PUNCT
easat-4937	27	1	[	[	X
easat-4937	27	2	7	7	NUM
easat-4937	27	3	]	]	PUNCT
easat-4937	27	4	;	;	PUNCT
easat-4937	27	5	gonzalez	gonzalez	PROPN
easat-4937	28	1	[	[	X
easat-4937	28	2	8	8	NUM
easat-4937	28	3	]	]	PUNCT
easat-4937	28	4	and	and	CCONJ
easat-4937	28	5	shao	shao	PROPN
easat-4937	28	6	and	and	CCONJ
easat-4937	28	7	bo	bo	VERB
easat-4937	29	1	[	[	X
easat-4937	29	2	9	9	X
easat-4937	29	3	]	]	PUNCT
easat-4937	29	4	revealed	reveal	VERB
easat-4937	29	5	that	that	SCONJ
easat-4937	29	6	lenders	lender	NOUN
easat-4937	29	7	often	often	ADV
easat-4937	29	8	show	show	VERB
easat-4937	29	9	herding	herd	VERB
easat-4937	29	10	behavior	behavior	NOUN
easat-4937	29	11	to	to	PART
easat-4937	29	12	mitigate	mitigate	VERB
easat-4937	29	13	investment	investment	NOUN
easat-4937	29	14	risks	risk	NOUN
easat-4937	29	15	.	.	PUNCT
easat-4937	30	1	furthermore	furthermore	ADV
easat-4937	30	2	,	,	PUNCT
easat-4937	30	3	chen	chen	PROPN
easat-4937	30	4	,	,	PUNCT
easat-4937	30	5	et	et	PROPN
easat-4937	30	6	al	al	PROPN
easat-4937	30	7	.	.	PUNCT
easat-4937	31	1	[	[	X
easat-4937	31	2	10	10	NUM
easat-4937	31	3	]	]	PUNCT
easat-4937	31	4	highlighted	highlight	VERB
easat-4937	31	5	the	the	DET
easat-4937	31	6	importance	importance	NOUN
easat-4937	31	7	of	of	ADP
easat-4937	31	8	soft	soft	ADJ
easat-4937	31	9	information	information	NOUN
easat-4937	31	10	,	,	PUNCT
easat-4937	31	11	such	such	ADJ
easat-4937	31	12	as	as	ADP
easat-4937	31	13	borrowers	borrower	NOUN
easat-4937	31	14	’	'	PUNCT
easat-4937	31	15	personal	personal	ADJ
easat-4937	31	16	stories	story	NOUN
easat-4937	31	17	and	and	CCONJ
easat-4937	31	18	emotional	emotional	ADJ
easat-4937	31	19	details	detail	NOUN
easat-4937	31	20	,	,	PUNCT
easat-4937	31	21	also	also	ADV
easat-4937	31	22	shape	shape	VERB
easat-4937	31	23	lenders	lender	NOUN
easat-4937	31	24	’	’	PART
easat-4937	31	25	choices	choice	NOUN
easat-4937	31	26	.	.	PUNCT
easat-4937	32	1	additionally	additionally	ADV
easat-4937	32	2	,	,	PUNCT
easat-4937	32	3	deng	deng	PROPN
easat-4937	32	4	,	,	PUNCT
easat-4937	32	5	et	et	PROPN
easat-4937	32	6	al	al	PROPN
easat-4937	32	7	.	.	PUNCT
easat-4937	33	1	[	[	X
easat-4937	33	2	11	11	NUM
easat-4937	33	3	]	]	PUNCT
easat-4937	33	4	and	and	CCONJ
easat-4937	33	5	zhai	zhai	PROPN
easat-4937	33	6	,	,	PUNCT
easat-4937	33	7	et	et	PROPN
easat-4937	33	8	al	al	PROPN
easat-4937	33	9	.	.	PUNCT
easat-4937	34	1	[	[	X
easat-4937	34	2	12	12	NUM
easat-4937	34	3	]	]	PUNCT
easat-4937	34	4	found	find	VERB
easat-4937	34	5	that	that	SCONJ
easat-4937	34	6	lenders	lender	NOUN
easat-4937	34	7	tend	tend	VERB
easat-4937	34	8	to	to	PART
easat-4937	34	9	choose	choose	VERB
easat-4937	34	10	borrowers	borrower	NOUN
easat-4937	34	11	who	who	PRON
easat-4937	34	12	voluntarily	voluntarily	ADV
easat-4937	34	13	disclose	disclose	VERB
easat-4937	34	14	their	their	PRON
easat-4937	34	15	personal	personal	ADJ
easat-4937	34	16	and	and	CCONJ
easat-4937	34	17	financial	financial	ADJ
easat-4937	34	18	information	information	NOUN
easat-4937	34	19	.	.	PUNCT
easat-4937	35	1	while	while	SCONJ
easat-4937	35	2	numerous	numerous	ADJ
easat-4937	35	3	studies	study	NOUN
easat-4937	35	4	have	have	AUX
easat-4937	35	5	explored	explore	VERB
easat-4937	35	6	p2p	p2p	NOUN
easat-4937	35	7	lending	lending	NOUN
easat-4937	35	8	,	,	PUNCT
easat-4937	35	9	several	several	ADJ
easat-4937	35	10	gaps	gap	NOUN
easat-4937	35	11	in	in	ADP
easat-4937	35	12	the	the	DET
easat-4937	35	13	literature	literature	NOUN
easat-4937	35	14	remain	remain	VERB
easat-4937	35	15	.	.	PUNCT
easat-4937	36	1	first	first	ADV
easat-4937	36	2	,	,	PUNCT
easat-4937	36	3	there	there	PRON
easat-4937	36	4	is	be	VERB
easat-4937	36	5	a	a	DET
easat-4937	36	6	lack	lack	NOUN
easat-4937	36	7	of	of	ADP
easat-4937	36	8	understanding	understanding	NOUN
easat-4937	36	9	regarding	regard	VERB
easat-4937	36	10	the	the	DET
easat-4937	36	11	underlying	underlie	VERB
easat-4937	36	12	motivations	motivation	NOUN
easat-4937	36	13	that	that	PRON
easat-4937	36	14	drive	drive	VERB
easat-4937	36	15	p2p	p2p	NOUN
easat-4937	36	16	lenders	lender	NOUN
easat-4937	36	17	to	to	PART
easat-4937	36	18	invest	invest	VERB
easat-4937	36	19	.	.	PUNCT
easat-4937	37	1	1840	1840	NUM
easat-4937	37	2	edelweiss	edelweiss	PROPN
easat-4937	37	3	applied	apply	VERB
easat-4937	37	4	science	science	NOUN
easat-4937	37	5	and	and	CCONJ
easat-4937	37	6	technology	technology	NOUN
easat-4937	37	7	issn	issn	PROPN
easat-4937	37	8	:	:	PUNCT
easat-4937	37	9	2576	2576	NUM
easat-4937	37	10	-	-	SYM
easat-4937	37	11	8484	8484	NUM
easat-4937	37	12	vol	vol	NOUN
easat-4937	37	13	.	.	PROPN
easat-4937	38	1	9	9	NUM
easat-4937	38	2	,	,	PUNCT
easat-4937	38	3	no	no	INTJ
easat-4937	38	4	.	.	NOUN
easat-4937	38	5	2	2	NUM
easat-4937	38	6	:	:	SYM
easat-4937	38	7	1839	1839	NUM
easat-4937	38	8	-	-	SYM
easat-4937	38	9	1851	1851	NUM
easat-4937	38	10	,	,	PUNCT
easat-4937	38	11	2025	2025	NUM
easat-4937	38	12	doi	doi	NOUN
easat-4937	38	13	:	:	PUNCT
easat-4937	38	14	10.55214/25768484.v9i2.4937	10.55214/25768484.v9i2.4937	NUM
easat-4937	38	15	©	©	PROPN
easat-4937	38	16	2025	2025	NUM
easat-4937	38	17	by	by	ADP
easat-4937	38	18	the	the	DET
easat-4937	38	19	authors	author	NOUN
easat-4937	38	20	;	;	PUNCT
easat-4937	38	21	licensee	licensee	PROPN
easat-4937	38	22	learning	learn	VERB
easat-4937	38	23	gate	gate	NOUN
easat-4937	38	24	understanding	understand	VERB
easat-4937	38	25	the	the	DET
easat-4937	38	26	motivations	motivation	NOUN
easat-4937	38	27	behind	behind	ADP
easat-4937	38	28	investment	investment	NOUN
easat-4937	38	29	decisions	decision	NOUN
easat-4937	38	30	provides	provide	VERB
easat-4937	38	31	deeper	deep	ADJ
easat-4937	38	32	insights	insight	NOUN
easat-4937	38	33	into	into	ADP
easat-4937	38	34	lender	lender	NOUN
easat-4937	38	35	behavior	behavior	NOUN
easat-4937	38	36	,	,	PUNCT
easat-4937	38	37	which	which	PRON
easat-4937	38	38	can	can	AUX
easat-4937	38	39	help	help	VERB
easat-4937	38	40	platform	platform	NOUN
easat-4937	38	41	developers	developer	NOUN
easat-4937	38	42	adapt	adapt	VERB
easat-4937	38	43	offerings	offering	NOUN
easat-4937	38	44	to	to	PART
easat-4937	38	45	better	well	ADV
easat-4937	38	46	meet	meet	VERB
easat-4937	38	47	the	the	DET
easat-4937	38	48	needs	need	NOUN
easat-4937	38	49	and	and	CCONJ
easat-4937	38	50	preferences	preference	NOUN
easat-4937	38	51	of	of	ADP
easat-4937	38	52	investors	investor	NOUN
easat-4937	38	53	.	.	PUNCT
easat-4937	39	1	moreover	moreover	ADV
easat-4937	39	2	,	,	PUNCT
easat-4937	39	3	previous	previous	ADJ
easat-4937	39	4	studies	study	NOUN
easat-4937	39	5	have	have	AUX
easat-4937	39	6	primarily	primarily	ADV
easat-4937	39	7	focused	focus	VERB
easat-4937	39	8	on	on	ADP
easat-4937	39	9	quantitative	quantitative	ADJ
easat-4937	39	10	methods	method	NOUN
easat-4937	39	11	.	.	PUNCT
easat-4937	40	1	while	while	SCONJ
easat-4937	40	2	these	these	DET
easat-4937	40	3	studies	study	NOUN
easat-4937	40	4	have	have	VERB
easat-4937	40	5	broad	broad	ADJ
easat-4937	40	6	patterns	pattern	NOUN
easat-4937	40	7	,	,	PUNCT
easat-4937	40	8	they	they	PRON
easat-4937	40	9	often	often	ADV
easat-4937	40	10	fail	fail	VERB
easat-4937	40	11	to	to	PART
easat-4937	40	12	capture	capture	VERB
easat-4937	40	13	the	the	DET
easat-4937	40	14	nuanced	nuanced	ADJ
easat-4937	40	15	,	,	PUNCT
easat-4937	40	16	contextual	contextual	ADJ
easat-4937	40	17	factors	factor	NOUN
easat-4937	40	18	that	that	PRON
easat-4937	40	19	influence	influence	VERB
easat-4937	40	20	lender	lender	NOUN
easat-4937	40	21	decisions	decision	NOUN
easat-4937	40	22	.	.	PUNCT
easat-4937	41	1	last	last	ADJ
easat-4937	41	2	,	,	PUNCT
easat-4937	41	3	the	the	DET
easat-4937	41	4	role	role	NOUN
easat-4937	41	5	of	of	ADP
easat-4937	41	6	digitalization	digitalization	NOUN
easat-4937	41	7	;	;	PUNCT
easat-4937	41	8	specifically	specifically	ADV
easat-4937	41	9	,	,	PUNCT
easat-4937	41	10	its	its	PRON
easat-4937	41	11	impact	impact	NOUN
easat-4937	41	12	on	on	ADP
easat-4937	41	13	key	key	ADJ
easat-4937	41	14	behavioral	behavioral	ADJ
easat-4937	41	15	components	component	NOUN
easat-4937	41	16	such	such	ADJ
easat-4937	41	17	as	as	ADP
easat-4937	41	18	attitudes	attitude	NOUN
easat-4937	41	19	,	,	PUNCT
easat-4937	41	20	subjective	subjective	ADJ
easat-4937	41	21	norms	norm	NOUN
easat-4937	41	22	,	,	PUNCT
easat-4937	41	23	and	and	CCONJ
easat-4937	41	24	perceived	perceive	VERB
easat-4937	41	25	control	control	NOUN
easat-4937	41	26	has	have	AUX
easat-4937	41	27	been	be	AUX
easat-4937	41	28	largely	largely	ADV
easat-4937	41	29	overlooked	overlook	VERB
easat-4937	41	30	.	.	PUNCT
easat-4937	42	1	this	this	DET
easat-4937	42	2	study	study	NOUN
easat-4937	42	3	aims	aim	VERB
easat-4937	42	4	to	to	PART
easat-4937	42	5	address	address	VERB
easat-4937	42	6	these	these	DET
easat-4937	42	7	gaps	gap	NOUN
easat-4937	42	8	by	by	ADP
easat-4937	42	9	exploring	explore	VERB
easat-4937	42	10	the	the	DET
easat-4937	42	11	following	follow	VERB
easat-4937	42	12	research	research	NOUN
easat-4937	42	13	question	question	NOUN
easat-4937	42	14	:	:	PUNCT
easat-4937	42	15	what	what	PRON
easat-4937	42	16	underlying	underlying	ADJ
easat-4937	42	17	motivations	motivation	NOUN
easat-4937	42	18	drive	drive	VERB
easat-4937	42	19	individuals	individual	NOUN
easat-4937	42	20	to	to	PART
easat-4937	42	21	invest	invest	VERB
easat-4937	42	22	in	in	ADP
easat-4937	42	23	p2p	p2p	NOUN
easat-4937	42	24	lending	lending	NOUN
easat-4937	42	25	platforms	platform	NOUN
easat-4937	42	26	?	?	PUNCT
easat-4937	43	1	to	to	PART
easat-4937	43	2	address	address	VERB
easat-4937	43	3	the	the	DET
easat-4937	43	4	research	research	NOUN
easat-4937	43	5	question	question	NOUN
easat-4937	43	6	,	,	PUNCT
easat-4937	43	7	this	this	DET
easat-4937	43	8	study	study	NOUN
easat-4937	43	9	adopts	adopt	VERB
easat-4937	43	10	the	the	DET
easat-4937	43	11	theory	theory	NOUN
easat-4937	43	12	of	of	ADP
easat-4937	43	13	planned	plan	VERB
easat-4937	43	14	behavior	behavior	NOUN
easat-4937	43	15	(	(	PUNCT
easat-4937	43	16	tpb	tpb	NOUN
easat-4937	43	17	)	)	PUNCT
easat-4937	43	18	as	as	ADP
easat-4937	43	19	its	its	PRON
easat-4937	43	20	theoretical	theoretical	ADJ
easat-4937	43	21	framework	framework	NOUN
easat-4937	43	22	.	.	PUNCT
easat-4937	44	1	the	the	DET
easat-4937	44	2	tpb	tpb	NOUN
easat-4937	44	3	is	be	AUX
easat-4937	44	4	a	a	DET
easat-4937	44	5	widely	widely	ADV
easat-4937	44	6	recognized	recognize	VERB
easat-4937	44	7	framework	framework	NOUN
easat-4937	44	8	for	for	ADP
easat-4937	44	9	understanding	understanding	NOUN
easat-4937	44	10	and	and	CCONJ
easat-4937	44	11	predicting	predict	VERB
easat-4937	44	12	human	human	ADJ
easat-4937	44	13	behavior	behavior	NOUN
easat-4937	44	14	,	,	PUNCT
easat-4937	44	15	particularly	particularly	ADV
easat-4937	44	16	in	in	ADP
easat-4937	44	17	contexts	context	NOUN
easat-4937	44	18	where	where	SCONJ
easat-4937	44	19	decisions	decision	NOUN
easat-4937	44	20	are	be	AUX
easat-4937	44	21	deliberate	deliberate	ADJ
easat-4937	44	22	and	and	CCONJ
easat-4937	44	23	reasoned	reason	VERB
easat-4937	44	24	,	,	PUNCT
easat-4937	44	25	such	such	ADJ
easat-4937	44	26	as	as	ADP
easat-4937	44	27	financial	financial	ADJ
easat-4937	44	28	investments	investment	NOUN
easat-4937	44	29	[	[	X
easat-4937	44	30	13	13	NUM
easat-4937	44	31	]	]	PUNCT
easat-4937	44	32	.	.	PUNCT
easat-4937	45	1	moreover	moreover	ADV
easat-4937	45	2	,	,	PUNCT
easat-4937	45	3	semi	semi	ADJ
easat-4937	45	4	-	-	ADJ
easat-4937	45	5	structured	structured	ADJ
easat-4937	45	6	interviews	interview	NOUN
easat-4937	45	7	allow	allow	VERB
easat-4937	45	8	researchers	researcher	NOUN
easat-4937	45	9	to	to	PART
easat-4937	45	10	probe	probe	VERB
easat-4937	45	11	deeper	deeply	ADV
easat-4937	45	12	into	into	ADP
easat-4937	45	13	the	the	DET
easat-4937	45	14	complex	complex	ADJ
easat-4937	45	15	motivations	motivation	NOUN
easat-4937	45	16	,	,	PUNCT
easat-4937	45	17	perceptions	perception	NOUN
easat-4937	45	18	,	,	PUNCT
easat-4937	45	19	and	and	CCONJ
easat-4937	45	20	experiences	experience	NOUN
easat-4937	45	21	of	of	ADP
easat-4937	45	22	p2p	p2p	NOUN
easat-4937	45	23	lenders	lender	NOUN
easat-4937	45	24	in	in	ADP
easat-4937	45	25	indonesia	indonesia	PROPN
easat-4937	45	26	,	,	PUNCT
easat-4937	45	27	providing	provide	VERB
easat-4937	45	28	valuable	valuable	ADJ
easat-4937	45	29	insights	insight	NOUN
easat-4937	45	30	into	into	ADP
easat-4937	45	31	the	the	DET
easat-4937	45	32	unique	unique	ADJ
easat-4937	45	33	contextual	contextual	ADJ
easat-4937	45	34	factors	factor	NOUN
easat-4937	45	35	that	that	PRON
easat-4937	45	36	influence	influence	VERB
easat-4937	45	37	their	their	PRON
easat-4937	45	38	investment	investment	NOUN
easat-4937	45	39	decisions	decision	NOUN
easat-4937	45	40	.	.	PUNCT
easat-4937	46	1	this	this	DET
easat-4937	46	2	research	research	NOUN
easat-4937	46	3	contributes	contribute	VERB
easat-4937	46	4	to	to	ADP
easat-4937	46	5	the	the	DET
easat-4937	46	6	growing	grow	VERB
easat-4937	46	7	field	field	NOUN
easat-4937	46	8	of	of	ADP
easat-4937	46	9	behavioral	behavioral	ADJ
easat-4937	46	10	finance	finance	NOUN
easat-4937	46	11	by	by	ADP
easat-4937	46	12	exploring	explore	VERB
easat-4937	46	13	the	the	DET
easat-4937	46	14	interplay	interplay	NOUN
easat-4937	46	15	of	of	ADP
easat-4937	46	16	diverse	diverse	ADJ
easat-4937	46	17	motivations	motivation	NOUN
easat-4937	46	18	that	that	PRON
easat-4937	46	19	shape	shape	NOUN
easat-4937	46	20	p2p	p2p	NOUN
easat-4937	46	21	lenders	lender	NOUN
easat-4937	46	22	'	'	PART
easat-4937	46	23	investment	investment	NOUN
easat-4937	46	24	behavior	behavior	NOUN
easat-4937	46	25	.	.	PUNCT
easat-4937	47	1	furthermore	furthermore	ADV
easat-4937	47	2	,	,	PUNCT
easat-4937	47	3	this	this	DET
easat-4937	47	4	study	study	NOUN
easat-4937	47	5	extends	extend	VERB
easat-4937	47	6	the	the	DET
easat-4937	47	7	application	application	NOUN
easat-4937	47	8	of	of	ADP
easat-4937	47	9	the	the	DET
easat-4937	47	10	tpb	tpb	NOUN
easat-4937	47	11	by	by	ADP
easat-4937	47	12	demonstrating	demonstrate	VERB
easat-4937	47	13	how	how	SCONJ
easat-4937	47	14	the	the	DET
easat-4937	47	15	digital	digital	ADJ
easat-4937	47	16	environment	environment	NOUN
easat-4937	47	17	influences	influence	VERB
easat-4937	47	18	attitudes	attitude	NOUN
easat-4937	47	19	,	,	PUNCT
easat-4937	47	20	subjective	subjective	ADJ
easat-4937	47	21	norms	norm	NOUN
easat-4937	47	22	,	,	PUNCT
easat-4937	47	23	and	and	CCONJ
easat-4937	47	24	perceived	perceive	VERB
easat-4937	47	25	behavioral	behavioral	ADJ
easat-4937	47	26	control	control	NOUN
easat-4937	47	27	in	in	ADP
easat-4937	47	28	the	the	DET
easat-4937	47	29	context	context	NOUN
easat-4937	47	30	of	of	ADP
easat-4937	47	31	p2p	p2p	NOUN
easat-4937	47	32	lending	lending	NOUN
easat-4937	47	33	.	.	PUNCT
easat-4937	48	1	the	the	DET
easat-4937	48	2	remainder	remainder	NOUN
easat-4937	48	3	of	of	ADP
easat-4937	48	4	this	this	DET
easat-4937	48	5	study	study	NOUN
easat-4937	48	6	is	be	AUX
easat-4937	48	7	structured	structure	VERB
easat-4937	48	8	as	as	SCONJ
easat-4937	48	9	follows	follow	VERB
easat-4937	48	10	:	:	PUNCT
easat-4937	48	11	first	first	ADV
easat-4937	48	12	,	,	PUNCT
easat-4937	48	13	a	a	DET
easat-4937	48	14	review	review	NOUN
easat-4937	48	15	of	of	ADP
easat-4937	48	16	the	the	DET
easat-4937	48	17	p2p	p2p	NOUN
easat-4937	48	18	lending	lending	NOUN
easat-4937	48	19	literature	literature	NOUN
easat-4937	48	20	is	be	AUX
easat-4937	48	21	presented	present	VERB
easat-4937	48	22	,	,	PUNCT
easat-4937	48	23	followed	follow	VERB
easat-4937	48	24	by	by	ADP
easat-4937	48	25	an	an	DET
easat-4937	48	26	outline	outline	NOUN
easat-4937	48	27	of	of	ADP
easat-4937	48	28	the	the	DET
easat-4937	48	29	theoretical	theoretical	ADJ
easat-4937	48	30	framework	framework	NOUN
easat-4937	48	31	adopted	adopt	VERB
easat-4937	48	32	.	.	PUNCT
easat-4937	49	1	next	next	ADV
easat-4937	49	2	,	,	PUNCT
easat-4937	49	3	the	the	DET
easat-4937	49	4	methodology	methodology	NOUN
easat-4937	49	5	is	be	AUX
easat-4937	49	6	detailed	detail	VERB
easat-4937	49	7	,	,	PUNCT
easat-4937	49	8	leading	lead	VERB
easat-4937	49	9	into	into	ADP
easat-4937	49	10	the	the	DET
easat-4937	49	11	findings	finding	NOUN
easat-4937	49	12	and	and	CCONJ
easat-4937	49	13	discussion	discussion	NOUN
easat-4937	49	14	.	.	PUNCT
easat-4937	50	1	finally	finally	ADV
easat-4937	50	2	,	,	PUNCT
easat-4937	50	3	the	the	DET
easat-4937	50	4	study	study	NOUN
easat-4937	50	5	concludes	conclude	VERB
easat-4937	50	6	with	with	ADP
easat-4937	50	7	practical	practical	ADJ
easat-4937	50	8	implications	implication	NOUN
easat-4937	50	9	and	and	CCONJ
easat-4937	50	10	suggestions	suggestion	NOUN
easat-4937	50	11	for	for	ADP
easat-4937	50	12	future	future	ADJ
easat-4937	50	13	research	research	NOUN
easat-4937	50	14	.	.	PUNCT
easat-4937	51	1	2	2	X
easat-4937	51	2	.	.	X
easat-4937	51	3	lenders	lender	NOUN
easat-4937	51	4	’	’	PART
easat-4937	51	5	behavior	behavior	NOUN
easat-4937	51	6	and	and	CCONJ
easat-4937	51	7	preferences	preference	NOUN
easat-4937	51	8	in	in	ADP
easat-4937	51	9	p2p	p2p	NOUN
easat-4937	51	10	lending	lend	VERB
easat-4937	51	11	lenders	lender	NOUN
easat-4937	51	12	engage	engage	VERB
easat-4937	51	13	in	in	ADP
easat-4937	51	14	p2p	p2p	NOUN
easat-4937	51	15	lending	lending	NOUN
easat-4937	51	16	due	due	ADP
easat-4937	51	17	to	to	ADP
easat-4937	51	18	various	various	ADJ
easat-4937	51	19	factors	factor	NOUN
easat-4937	51	20	.	.	PUNCT
easat-4937	52	1	the	the	DET
easat-4937	52	2	foremost	foremost	ADJ
easat-4937	52	3	reason	reason	NOUN
easat-4937	52	4	is	be	AUX
easat-4937	52	5	the	the	DET
easat-4937	52	6	high	high	ADJ
easat-4937	52	7	return	return	NOUN
easat-4937	52	8	.	.	PUNCT
easat-4937	53	1	studies	study	NOUN
easat-4937	53	2	show	show	VERB
easat-4937	53	3	that	that	SCONJ
easat-4937	53	4	higher	high	ADJ
easat-4937	53	5	returns	return	NOUN
easat-4937	53	6	remain	remain	VERB
easat-4937	53	7	a	a	DET
easat-4937	53	8	key	key	ADJ
easat-4937	53	9	factor	factor	NOUN
easat-4937	53	10	driving	drive	VERB
easat-4937	53	11	many	many	ADJ
easat-4937	53	12	lenders	lender	NOUN
easat-4937	53	13	to	to	PART
easat-4937	53	14	participate	participate	VERB
easat-4937	53	15	in	in	ADP
easat-4937	53	16	p2p	p2p	NOUN
easat-4937	53	17	lending	lend	VERB
easat-4937	53	18	[	[	X
easat-4937	53	19	4	4	NUM
easat-4937	53	20	,	,	PUNCT
easat-4937	53	21	14	14	NUM
easat-4937	53	22	-	-	SYM
easat-4937	53	23	19	19	NUM
easat-4937	53	24	]	]	PUNCT
easat-4937	53	25	.	.	PUNCT
easat-4937	54	1	consequently	consequently	ADV
easat-4937	54	2	,	,	PUNCT
easat-4937	54	3	loans	loan	NOUN
easat-4937	54	4	offering	offer	VERB
easat-4937	54	5	higher	high	ADJ
easat-4937	54	6	returns	return	NOUN
easat-4937	54	7	are	be	AUX
easat-4937	54	8	typically	typically	ADV
easat-4937	54	9	funded	fund	VERB
easat-4937	54	10	more	more	ADV
easat-4937	54	11	quickly	quickly	ADV
easat-4937	54	12	than	than	ADP
easat-4937	54	13	those	those	PRON
easat-4937	54	14	with	with	ADP
easat-4937	54	15	lower	low	ADJ
easat-4937	54	16	returns	return	NOUN
easat-4937	54	17	[	[	X
easat-4937	54	18	20	20	NUM
easat-4937	54	19	]	]	PUNCT
easat-4937	54	20	.	.	PUNCT
easat-4937	55	1	secondly	secondly	ADV
easat-4937	55	2	,	,	PUNCT
easat-4937	55	3	lenders	lender	NOUN
easat-4937	55	4	opt	opt	VERB
easat-4937	55	5	for	for	ADP
easat-4937	55	6	p2p	p2p	NOUN
easat-4937	55	7	lending	lending	NOUN
easat-4937	55	8	as	as	SCONJ
easat-4937	55	9	their	their	PRON
easat-4937	55	10	investment	investment	NOUN
easat-4937	55	11	to	to	PART
easat-4937	55	12	diversify	diversify	VERB
easat-4937	55	13	their	their	PRON
easat-4937	55	14	portfolio	portfolio	NOUN
easat-4937	55	15	beyond	beyond	ADP
easat-4937	55	16	traditional	traditional	ADJ
easat-4937	55	17	assets	asset	NOUN
easat-4937	55	18	,	,	PUNCT
easat-4937	55	19	such	such	ADJ
easat-4937	55	20	as	as	ADP
easat-4937	55	21	stocks	stock	NOUN
easat-4937	55	22	and	and	CCONJ
easat-4937	55	23	bonds	bond	NOUN
easat-4937	55	24	[	[	X
easat-4937	55	25	4	4	NUM
easat-4937	55	26	,	,	PUNCT
easat-4937	55	27	15	15	NUM
easat-4937	55	28	-	-	SYM
easat-4937	55	29	17	17	NUM
easat-4937	55	30	,	,	PUNCT
easat-4937	55	31	19	19	NUM
easat-4937	55	32	,	,	PUNCT
easat-4937	55	33	21	21	NUM
easat-4937	55	34	,	,	PUNCT
easat-4937	55	35	22	22	NUM
easat-4937	55	36	]	]	PUNCT
easat-4937	55	37	.	.	PUNCT
easat-4937	56	1	thirdly	thirdly	ADV
easat-4937	56	2	,	,	PUNCT
easat-4937	56	3	studies	study	NOUN
easat-4937	56	4	also	also	ADV
easat-4937	56	5	show	show	VERB
easat-4937	56	6	that	that	SCONJ
easat-4937	56	7	lenders	lender	NOUN
easat-4937	56	8	are	be	AUX
easat-4937	56	9	driven	drive	VERB
easat-4937	56	10	to	to	PART
easat-4937	56	11	invest	invest	VERB
easat-4937	56	12	in	in	ADP
easat-4937	56	13	projects	project	NOUN
easat-4937	56	14	that	that	PRON
easat-4937	56	15	have	have	VERB
easat-4937	56	16	positive	positive	ADJ
easat-4937	56	17	social	social	ADJ
easat-4937	56	18	impacts	impact	NOUN
easat-4937	56	19	[	[	X
easat-4937	56	20	23	23	NUM
easat-4937	56	21	]	]	PUNCT
easat-4937	56	22	.	.	PUNCT
easat-4937	57	1	such	such	ADJ
easat-4937	57	2	investment	investment	NOUN
easat-4937	57	3	decision	decision	NOUN
easat-4937	57	4	is	be	AUX
easat-4937	57	5	often	often	ADV
easat-4937	57	6	to	to	PART
easat-4937	57	7	fulfill	fulfill	VERB
easat-4937	57	8	lenders	lender	NOUN
easat-4937	57	9	emotional	emotional	ADJ
easat-4937	57	10	satisfaction	satisfaction	NOUN
easat-4937	57	11	,	,	PUNCT
easat-4937	57	12	social	social	ADJ
easat-4937	57	13	connectedness	connectedness	NOUN
easat-4937	57	14	,	,	PUNCT
easat-4937	57	15	and	and	CCONJ
easat-4937	57	16	a	a	DET
easat-4937	57	17	sense	sense	NOUN
easat-4937	57	18	of	of	ADP
easat-4937	57	19	purpose	purpose	NOUN
easat-4937	57	20	[	[	X
easat-4937	57	21	24	24	NUM
easat-4937	57	22	]	]	PUNCT
easat-4937	57	23	.	.	PUNCT
easat-4937	58	1	however	however	ADV
easat-4937	58	2	,	,	PUNCT
easat-4937	58	3	studies	study	NOUN
easat-4937	58	4	also	also	ADV
easat-4937	58	5	demonstrate	demonstrate	VERB
easat-4937	58	6	that	that	SCONJ
easat-4937	58	7	not	not	PART
easat-4937	58	8	all	all	DET
easat-4937	58	9	lenders	lender	NOUN
easat-4937	58	10	have	have	VERB
easat-4937	58	11	rational	rational	ADJ
easat-4937	58	12	decision	decision	NOUN
easat-4937	58	13	-	-	PUNCT
easat-4937	58	14	making	make	VERB
easat-4937	58	15	processes	process	NOUN
easat-4937	58	16	.	.	PUNCT
easat-4937	59	1	some	some	DET
easat-4937	59	2	lenders	lender	NOUN
easat-4937	59	3	show	show	VERB
easat-4937	59	4	herding	herding	NOUN
easat-4937	59	5	behavior	behavior	NOUN
easat-4937	59	6	,	,	PUNCT
easat-4937	59	7	follow	follow	VERB
easat-4937	59	8	others	other	NOUN
easat-4937	59	9	in	in	ADP
easat-4937	59	10	choosing	choose	VERB
easat-4937	59	11	p2p	p2p	NOUN
easat-4937	59	12	projects	project	NOUN
easat-4937	59	13	[	[	X
easat-4937	59	14	7	7	NUM
easat-4937	59	15	-	-	SYM
easat-4937	59	16	9	9	NUM
easat-4937	59	17	,	,	PUNCT
easat-4937	59	18	25	25	NUM
easat-4937	59	19	]	]	PUNCT
easat-4937	59	20	.	.	PUNCT
easat-4937	60	1	p2p	p2p	NOUN
easat-4937	60	2	lending	lending	NOUN
easat-4937	60	3	is	be	AUX
easat-4937	60	4	perceived	perceive	VERB
easat-4937	60	5	as	as	ADP
easat-4937	60	6	risky	risky	ADJ
easat-4937	60	7	investment	investment	NOUN
easat-4937	60	8	due	due	ADP
easat-4937	60	9	to	to	ADP
easat-4937	60	10	the	the	DET
easat-4937	60	11	prevalence	prevalence	NOUN
easat-4937	60	12	of	of	ADP
easat-4937	60	13	information	information	NOUN
easat-4937	60	14	asymmetry	asymmetry	NOUN
easat-4937	60	15	[	[	X
easat-4937	60	16	10	10	NUM
easat-4937	60	17	,	,	PUNCT
easat-4937	60	18	26	26	NUM
easat-4937	60	19	,	,	PUNCT
easat-4937	60	20	27	27	NUM
easat-4937	60	21	]	]	PUNCT
easat-4937	60	22	.	.	PUNCT
easat-4937	61	1	to	to	PART
easat-4937	61	2	mitigate	mitigate	VERB
easat-4937	61	3	the	the	DET
easat-4937	61	4	risks	risk	NOUN
easat-4937	61	5	,	,	PUNCT
easat-4937	61	6	lenders	lender	NOUN
easat-4937	61	7	prefer	prefer	VERB
easat-4937	61	8	borrowers	borrower	NOUN
easat-4937	61	9	who	who	PRON
easat-4937	61	10	can	can	AUX
easat-4937	61	11	describe	describe	VERB
easat-4937	61	12	their	their	PRON
easat-4937	61	13	project	project	NOUN
easat-4937	61	14	in	in	ADP
easat-4937	61	15	detail	detail	NOUN
easat-4937	61	16	[	[	X
easat-4937	61	17	27	27	NUM
easat-4937	61	18	,	,	PUNCT
easat-4937	61	19	28	28	NUM
easat-4937	61	20	]	]	PUNCT
easat-4937	61	21	.	.	PUNCT
easat-4937	62	1	studies	study	NOUN
easat-4937	62	2	also	also	ADV
easat-4937	62	3	found	find	VERB
easat-4937	62	4	that	that	SCONJ
easat-4937	62	5	lenders	lender	NOUN
easat-4937	62	6	tend	tend	VERB
easat-4937	62	7	to	to	PART
easat-4937	62	8	choose	choose	VERB
easat-4937	62	9	borrowers	borrower	NOUN
easat-4937	62	10	who	who	PRON
easat-4937	62	11	voluntarily	voluntarily	ADV
easat-4937	62	12	disclose	disclose	VERB
easat-4937	62	13	their	their	PRON
easat-4937	62	14	personal	personal	ADJ
easat-4937	62	15	and	and	CCONJ
easat-4937	62	16	financial	financial	ADJ
easat-4937	62	17	information	information	NOUN
easat-4937	63	1	[	[	X
easat-4937	63	2	10	10	NUM
easat-4937	63	3	-	-	SYM
easat-4937	63	4	12	12	NUM
easat-4937	63	5	]	]	PUNCT
easat-4937	63	6	.	.	PUNCT
easat-4937	64	1	while	while	SCONJ
easat-4937	64	2	providing	provide	VERB
easat-4937	64	3	more	more	ADJ
easat-4937	64	4	information	information	NOUN
easat-4937	64	5	is	be	AUX
easat-4937	64	6	useful	useful	ADJ
easat-4937	64	7	in	in	ADP
easat-4937	64	8	securing	secure	VERB
easat-4937	64	9	loans	loan	NOUN
easat-4937	64	10	,	,	PUNCT
easat-4937	64	11	studies	study	NOUN
easat-4937	64	12	also	also	ADV
easat-4937	64	13	show	show	VERB
easat-4937	64	14	that	that	SCONJ
easat-4937	64	15	lenders	lender	NOUN
easat-4937	64	16	prefer	prefer	VERB
easat-4937	64	17	clarity	clarity	NOUN
easat-4937	64	18	,	,	PUNCT
easat-4937	64	19	transparency	transparency	NOUN
easat-4937	64	20	,	,	PUNCT
easat-4937	64	21	and	and	CCONJ
easat-4937	64	22	authenticity	authenticity	NOUN
easat-4937	64	23	over	over	ADP
easat-4937	64	24	exaggerated	exaggerated	ADJ
easat-4937	64	25	narrative	narrative	NOUN
easat-4937	64	26	[	[	X
easat-4937	64	27	23	23	NUM
easat-4937	64	28	,	,	PUNCT
easat-4937	64	29	27	27	NUM
easat-4937	64	30	]	]	PUNCT
easat-4937	64	31	.	.	PUNCT
easat-4937	65	1	3	3	X
easat-4937	65	2	.	.	X
easat-4937	65	3	theory	theory	NOUN
easat-4937	65	4	of	of	ADP
easat-4937	65	5	planned	plan	VERB
easat-4937	65	6	behavior	behavior	NOUN
easat-4937	65	7	the	the	DET
easat-4937	65	8	theory	theory	NOUN
easat-4937	65	9	of	of	ADP
easat-4937	65	10	planned	plan	VERB
easat-4937	65	11	behavior	behavior	NOUN
easat-4937	65	12	(	(	PUNCT
easat-4937	65	13	tpb	tpb	NOUN
easat-4937	65	14	)	)	PUNCT
easat-4937	65	15	is	be	AUX
easat-4937	65	16	a	a	DET
easat-4937	65	17	framework	framework	NOUN
easat-4937	65	18	developed	develop	VERB
easat-4937	65	19	by	by	ADP
easat-4937	65	20	icek	icek	NOUN
easat-4937	65	21	ajzen	ajzen	NOUN
easat-4937	65	22	in	in	ADP
easat-4937	65	23	1991	1991	NUM
easat-4937	65	24	as	as	ADP
easat-4937	65	25	an	an	DET
easat-4937	65	26	extension	extension	NOUN
easat-4937	65	27	of	of	ADP
easat-4937	65	28	the	the	DET
easat-4937	65	29	earlier	early	ADJ
easat-4937	65	30	theory	theory	NOUN
easat-4937	65	31	of	of	ADP
easat-4937	65	32	reasoned	reason	VERB
easat-4937	65	33	action	action	NOUN
easat-4937	65	34	[	[	X
easat-4937	65	35	29	29	NUM
easat-4937	65	36	]	]	PUNCT
easat-4937	65	37	.	.	PUNCT
easat-4937	66	1	tpb	tpb	PROPN
easat-4937	66	2	serves	serve	VERB
easat-4937	66	3	as	as	ADP
easat-4937	66	4	a	a	DET
easat-4937	66	5	tool	tool	NOUN
easat-4937	66	6	for	for	ADP
easat-4937	66	7	understanding	understanding	NOUN
easat-4937	66	8	and	and	CCONJ
easat-4937	66	9	predicting	predict	VERB
easat-4937	66	10	human	human	ADJ
easat-4937	66	11	behavior	behavior	NOUN
easat-4937	66	12	.	.	PUNCT
easat-4937	67	1	according	accord	VERB
easat-4937	67	2	to	to	ADP
easat-4937	67	3	tpb	tpb	NOUN
easat-4937	67	4	,	,	PUNCT
easat-4937	67	5	intentions	intention	NOUN
easat-4937	67	6	are	be	AUX
easat-4937	67	7	the	the	DET
easat-4937	67	8	primary	primary	ADJ
easat-4937	67	9	drivers	driver	NOUN
easat-4937	67	10	of	of	ADP
easat-4937	67	11	individual	individual	ADJ
easat-4937	67	12	behavior	behavior	NOUN
easat-4937	67	13	.	.	PUNCT
easat-4937	68	1	the	the	PRON
easat-4937	68	2	stronger	strong	ADJ
easat-4937	68	3	the	the	DET
easat-4937	68	4	intention	intention	NOUN
easat-4937	68	5	to	to	PART
easat-4937	68	6	perform	perform	VERB
easat-4937	68	7	a	a	DET
easat-4937	68	8	behavior	behavior	NOUN
easat-4937	68	9	,	,	PUNCT
easat-4937	68	10	the	the	PRON
easat-4937	68	11	greater	great	ADJ
easat-4937	68	12	the	the	DET
easat-4937	68	13	likelihood	likelihood	NOUN
easat-4937	68	14	of	of	ADP
easat-4937	68	15	carrying	carry	VERB
easat-4937	68	16	it	it	PRON
easat-4937	68	17	out	out	ADP
easat-4937	68	18	[	[	X
easat-4937	68	19	30	30	NUM
easat-4937	68	20	]	]	PUNCT
easat-4937	68	21	.	.	PUNCT
easat-4937	69	1	intentions	intention	NOUN
easat-4937	69	2	are	be	AUX
easat-4937	69	3	used	use	VERB
easat-4937	69	4	to	to	PART
easat-4937	69	5	assess	assess	VERB
easat-4937	69	6	the	the	DET
easat-4937	69	7	factors	factor	NOUN
easat-4937	69	8	that	that	PRON
easat-4937	69	9	influence	influence	VERB
easat-4937	69	10	individuals	individual	NOUN
easat-4937	69	11	in	in	ADP
easat-4937	69	12	their	their	PRON
easat-4937	69	13	decision	decision	NOUN
easat-4937	69	14	to	to	PART
easat-4937	69	15	engage	engage	VERB
easat-4937	69	16	in	in	ADP
easat-4937	69	17	a	a	DET
easat-4937	69	18	particular	particular	ADJ
easat-4937	69	19	behavior	behavior	NOUN
easat-4937	69	20	[	[	X
easat-4937	69	21	31	31	NUM
easat-4937	69	22	]	]	PUNCT
easat-4937	69	23	.	.	PUNCT
easat-4937	70	1	tpb	tpb	NOUN
easat-4937	70	2	posits	posit	NOUN
easat-4937	70	3	three	three	NUM
easat-4937	70	4	key	key	ADJ
easat-4937	70	5	factors	factor	NOUN
easat-4937	70	6	that	that	PRON
easat-4937	70	7	affect	affect	VERB
easat-4937	70	8	behavior	behavior	NOUN
easat-4937	70	9	:	:	PUNCT
easat-4937	70	10	attitude	attitude	NOUN
easat-4937	70	11	toward	toward	ADP
easat-4937	70	12	the	the	DET
easat-4937	70	13	behavior	behavior	NOUN
easat-4937	70	14	,	,	PUNCT
easat-4937	70	15	subjective	subjective	ADJ
easat-4937	70	16	norms	norm	NOUN
easat-4937	70	17	,	,	PUNCT
easat-4937	70	18	and	and	CCONJ
easat-4937	70	19	perceived	perceive	VERB
easat-4937	70	20	behavioral	behavioral	ADJ
easat-4937	70	21	control	control	NOUN
easat-4937	70	22	[	[	X
easat-4937	70	23	30	30	NUM
easat-4937	70	24	]	]	SYM
easat-4937	70	25	.	.	PUNCT
easat-4937	71	1	1841	1841	NUM
easat-4937	71	2	edelweiss	edelweiss	PROPN
easat-4937	71	3	applied	apply	VERB
easat-4937	71	4	science	science	NOUN
easat-4937	71	5	and	and	CCONJ
easat-4937	71	6	technology	technology	NOUN
easat-4937	71	7	issn	issn	PROPN
easat-4937	71	8	:	:	PUNCT
easat-4937	71	9	2576	2576	NUM
easat-4937	71	10	-	-	SYM
easat-4937	71	11	8484	8484	NUM
easat-4937	71	12	vol	vol	NOUN
easat-4937	71	13	.	.	PROPN
easat-4937	72	1	9	9	NUM
easat-4937	72	2	,	,	PUNCT
easat-4937	72	3	no	no	INTJ
easat-4937	72	4	.	.	NOUN
easat-4937	72	5	2	2	NUM
easat-4937	72	6	:	:	SYM
easat-4937	72	7	1839	1839	NUM
easat-4937	72	8	-	-	SYM
easat-4937	72	9	1851	1851	NUM
easat-4937	72	10	,	,	PUNCT
easat-4937	72	11	2025	2025	NUM
easat-4937	72	12	doi	doi	NOUN
easat-4937	72	13	:	:	PUNCT
easat-4937	72	14	10.55214/25768484.v9i2.4937	10.55214/25768484.v9i2.4937	NUM
easat-4937	72	15	©	©	PROPN
easat-4937	72	16	2025	2025	NUM
easat-4937	72	17	by	by	ADP
easat-4937	72	18	the	the	DET
easat-4937	72	19	authors	author	NOUN
easat-4937	72	20	;	;	PUNCT
easat-4937	72	21	licensee	licensee	PROPN
easat-4937	72	22	learning	learning	NOUN
easat-4937	72	23	gate	gate	NOUN
easat-4937	72	24	3.1	3.1	NUM
easat-4937	72	25	.	.	PUNCT
easat-4937	73	1	attitude	attitude	NOUN
easat-4937	73	2	to	to	ADP
easat-4937	73	3	investment	investment	NOUN
easat-4937	73	4	attitude	attitude	NOUN
easat-4937	73	5	is	be	AUX
easat-4937	73	6	an	an	DET
easat-4937	73	7	evaluation	evaluation	NOUN
easat-4937	73	8	of	of	ADP
easat-4937	73	9	any	any	DET
easat-4937	73	10	favorable	favorable	ADJ
easat-4937	73	11	or	or	CCONJ
easat-4937	73	12	unfavorable	unfavorable	ADJ
easat-4937	73	13	towards	towards	ADP
easat-4937	73	14	behavior	behavior	NOUN
easat-4937	73	15	under	under	ADP
easat-4937	73	16	consideration	consideration	NOUN
easat-4937	73	17	by	by	ADP
easat-4937	73	18	individuals	individual	NOUN
easat-4937	73	19	[	[	X
easat-4937	73	20	31	31	NUM
easat-4937	73	21	,	,	PUNCT
easat-4937	73	22	32	32	NUM
easat-4937	73	23	]	]	PUNCT
easat-4937	73	24	.	.	PUNCT
easat-4937	74	1	the	the	DET
easat-4937	74	2	more	more	ADV
easat-4937	74	3	favorable	favorable	ADJ
easat-4937	74	4	the	the	DET
easat-4937	74	5	attitude	attitude	NOUN
easat-4937	74	6	towards	towards	ADP
easat-4937	74	7	the	the	DET
easat-4937	74	8	behavior	behavior	NOUN
easat-4937	74	9	,	,	PUNCT
easat-4937	74	10	the	the	DET
easat-4937	74	11	stronger	strong	ADJ
easat-4937	74	12	individual	individual	NOUN
easat-4937	74	13	’s	’s	PART
easat-4937	74	14	intention	intention	NOUN
easat-4937	74	15	to	to	PART
easat-4937	74	16	perform	perform	VERB
easat-4937	74	17	itarmitage	itarmitage	ADJ
easat-4937	74	18	and	and	CCONJ
easat-4937	74	19	conner	conner	NOUN
easat-4937	75	1	[	[	X
easat-4937	75	2	33	33	NUM
easat-4937	75	3	]	]	PUNCT
easat-4937	75	4	and	and	CCONJ
easat-4937	75	5	ajzen	ajzen	NOUN
easat-4937	76	1	[	[	X
easat-4937	76	2	31	31	NUM
easat-4937	76	3	]	]	PUNCT
easat-4937	76	4	.	.	PUNCT
easat-4937	77	1	attitude	attitude	NOUN
easat-4937	77	2	is	be	AUX
easat-4937	77	3	formed	form	VERB
easat-4937	77	4	by	by	ADP
easat-4937	77	5	behavioral	behavioral	ADJ
easat-4937	77	6	beliefs	belief	NOUN
easat-4937	77	7	that	that	PRON
easat-4937	77	8	help	help	VERB
easat-4937	77	9	individuals	individual	NOUN
easat-4937	77	10	associate	associate	VERB
easat-4937	77	11	them	they	PRON
easat-4937	77	12	to	to	ADP
easat-4937	77	13	a	a	DET
easat-4937	77	14	certain	certain	ADJ
easat-4937	77	15	qualities	quality	NOUN
easat-4937	77	16	or	or	CCONJ
easat-4937	77	17	outcomes	outcome	NOUN
easat-4937	78	1	ajzen	ajzen	NOUN
easat-4937	79	1	[	[	X
easat-4937	79	2	31	31	NUM
easat-4937	79	3	]	]	PUNCT
easat-4937	79	4	.	.	PUNCT
easat-4937	80	1	this	this	DET
easat-4937	80	2	attitudinal	attitudinal	ADJ
easat-4937	80	3	belief	belief	NOUN
easat-4937	80	4	can	can	AUX
easat-4937	80	5	be	be	AUX
easat-4937	80	6	divided	divide	VERB
easat-4937	80	7	into	into	ADP
easat-4937	80	8	belief	belief	NOUN
easat-4937	80	9	towards	towards	ADP
easat-4937	80	10	objects	object	NOUN
easat-4937	80	11	and	and	CCONJ
easat-4937	80	12	belief	belief	NOUN
easat-4937	80	13	towards	towards	ADP
easat-4937	80	14	behavior	behavior	NOUN
easat-4937	80	15	[	[	X
easat-4937	80	16	34	34	NUM
easat-4937	80	17	,	,	PUNCT
easat-4937	80	18	35	35	NUM
easat-4937	80	19	]	]	PUNCT
easat-4937	80	20	.	.	PUNCT
easat-4937	81	1	an	an	DET
easat-4937	81	2	attitudinal	attitudinal	ADJ
easat-4937	81	3	belief	belief	NOUN
easat-4937	81	4	toward	toward	ADP
easat-4937	81	5	an	an	DET
easat-4937	81	6	object	object	NOUN
easat-4937	81	7	refers	refer	VERB
easat-4937	81	8	to	to	ADP
easat-4937	81	9	a	a	DET
easat-4937	81	10	person	person	NOUN
easat-4937	81	11	's	's	PART
easat-4937	81	12	evaluation	evaluation	NOUN
easat-4937	81	13	or	or	CCONJ
easat-4937	81	14	perception	perception	NOUN
easat-4937	81	15	of	of	ADP
easat-4937	81	16	a	a	DET
easat-4937	81	17	specific	specific	ADJ
easat-4937	81	18	object	object	NOUN
easat-4937	81	19	based	base	VERB
easat-4937	81	20	on	on	ADP
easat-4937	81	21	its	its	PRON
easat-4937	81	22	association	association	NOUN
easat-4937	81	23	with	with	ADP
easat-4937	81	24	various	various	ADJ
easat-4937	81	25	attributes	attribute	NOUN
easat-4937	81	26	,	,	PUNCT
easat-4937	81	27	characteristics	characteristic	NOUN
easat-4937	81	28	,	,	PUNCT
easat-4937	81	29	values	value	NOUN
easat-4937	81	30	,	,	PUNCT
easat-4937	81	31	or	or	CCONJ
easat-4937	81	32	goals	goal	NOUN
easat-4937	81	33	[	[	X
easat-4937	81	34	36	36	NUM
easat-4937	81	35	]	]	PUNCT
easat-4937	81	36	.	.	PUNCT
easat-4937	82	1	conditions	condition	NOUN
easat-4937	82	2	that	that	PRON
easat-4937	82	3	influence	influence	VERB
easat-4937	82	4	the	the	DET
easat-4937	82	5	formation	formation	NOUN
easat-4937	82	6	of	of	ADP
easat-4937	82	7	an	an	DET
easat-4937	82	8	individual	individual	NOUN
easat-4937	82	9	's	's	PART
easat-4937	82	10	attitude	attitude	NOUN
easat-4937	82	11	toward	toward	ADP
easat-4937	82	12	a	a	DET
easat-4937	82	13	specific	specific	ADJ
easat-4937	82	14	object	object	NOUN
easat-4937	82	15	include	include	VERB
easat-4937	82	16	relative	relative	ADJ
easat-4937	82	17	advantage	advantage	NOUN
easat-4937	82	18	,	,	PUNCT
easat-4937	82	19	complexity	complexity	NOUN
easat-4937	82	20	,	,	PUNCT
easat-4937	82	21	and	and	CCONJ
easat-4937	82	22	compatibility	compatibility	NOUN
easat-4937	82	23	[	[	X
easat-4937	82	24	34	34	NUM
easat-4937	82	25	]	]	PUNCT
easat-4937	82	26	.	.	PUNCT
easat-4937	83	1	relative	relative	ADJ
easat-4937	83	2	advantage	advantage	NOUN
easat-4937	83	3	reflects	reflect	VERB
easat-4937	83	4	the	the	DET
easat-4937	83	5	perceived	perceive	VERB
easat-4937	83	6	benefits	benefit	NOUN
easat-4937	83	7	or	or	CCONJ
easat-4937	83	8	improvements	improvement	NOUN
easat-4937	83	9	the	the	DET
easat-4937	83	10	object	object	NOUN
easat-4937	83	11	offers	offer	VERB
easat-4937	83	12	compared	compare	VERB
easat-4937	83	13	to	to	ADP
easat-4937	83	14	alternatives	alternative	NOUN
easat-4937	83	15	[	[	X
easat-4937	83	16	35	35	NUM
easat-4937	83	17	,	,	PUNCT
easat-4937	83	18	37	37	NUM
easat-4937	83	19	]	]	PUNCT
easat-4937	83	20	.	.	PUNCT
easat-4937	84	1	complexity	complexity	NOUN
easat-4937	84	2	,	,	PUNCT
easat-4937	84	3	often	often	ADV
easat-4937	84	4	measured	measure	VERB
easat-4937	84	5	as	as	ADP
easat-4937	84	6	perceived	perceive	VERB
easat-4937	84	7	ease	ease	NOUN
easat-4937	84	8	of	of	ADP
easat-4937	84	9	use	use	NOUN
easat-4937	84	10	,	,	PUNCT
easat-4937	84	11	describes	describe	VERB
easat-4937	84	12	how	how	SCONJ
easat-4937	84	13	easy	easy	ADJ
easat-4937	84	14	or	or	CCONJ
easat-4937	84	15	difficult	difficult	ADJ
easat-4937	84	16	the	the	DET
easat-4937	84	17	object	object	NOUN
easat-4937	84	18	is	be	AUX
easat-4937	84	19	to	to	PART
easat-4937	84	20	understand	understand	VERB
easat-4937	84	21	and	and	CCONJ
easat-4937	84	22	operate	operate	VERB
easat-4937	84	23	[	[	X
easat-4937	84	24	38	38	NUM
easat-4937	84	25	]	]	PUNCT
easat-4937	84	26	.	.	PUNCT
easat-4937	85	1	a	a	DET
easat-4937	85	2	lower	lower	ADV
easat-4937	85	3	perceived	perceive	VERB
easat-4937	85	4	complexity	complexity	NOUN
easat-4937	85	5	fosters	foster	VERB
easat-4937	85	6	a	a	DET
easat-4937	85	7	more	more	ADV
easat-4937	85	8	favorable	favorable	ADJ
easat-4937	85	9	attitude	attitude	NOUN
easat-4937	85	10	.	.	PUNCT
easat-4937	86	1	lastly	lastly	ADV
easat-4937	86	2	,	,	PUNCT
easat-4937	86	3	compatibility	compatibility	NOUN
easat-4937	86	4	addresses	address	VERB
easat-4937	86	5	how	how	SCONJ
easat-4937	86	6	well	well	ADV
easat-4937	86	7	the	the	DET
easat-4937	86	8	object	object	NOUN
easat-4937	86	9	aligns	align	VERB
easat-4937	86	10	with	with	ADP
easat-4937	86	11	users	user	NOUN
easat-4937	86	12	'	'	PART
easat-4937	86	13	prior	prior	ADJ
easat-4937	86	14	experiences	experience	NOUN
easat-4937	86	15	,	,	PUNCT
easat-4937	86	16	values	value	NOUN
easat-4937	86	17	,	,	PUNCT
easat-4937	86	18	and	and	CCONJ
easat-4937	86	19	needs	need	NOUN
easat-4937	86	20	,	,	PUNCT
easat-4937	86	21	reinforcing	reinforce	VERB
easat-4937	86	22	its	its	PRON
easat-4937	86	23	relevance	relevance	NOUN
easat-4937	86	24	in	in	ADP
easat-4937	86	25	their	their	PRON
easat-4937	86	26	lives	life	NOUN
easat-4937	87	1	[	[	X
easat-4937	87	2	39	39	NUM
easat-4937	87	3	,	,	PUNCT
easat-4937	87	4	40	40	NUM
easat-4937	87	5	]	]	PUNCT
easat-4937	87	6	.	.	PUNCT
easat-4937	88	1	these	these	DET
easat-4937	88	2	three	three	NUM
easat-4937	88	3	factors	factor	NOUN
easat-4937	88	4	collectively	collectively	ADV
easat-4937	88	5	influence	influence	VERB
easat-4937	88	6	attitudinal	attitudinal	ADJ
easat-4937	88	7	beliefs	belief	NOUN
easat-4937	88	8	by	by	ADP
easat-4937	88	9	shaping	shape	VERB
easat-4937	88	10	how	how	SCONJ
easat-4937	88	11	individuals	individual	NOUN
easat-4937	88	12	interpret	interpret	VERB
easat-4937	88	13	and	and	CCONJ
easat-4937	88	14	respond	respond	VERB
easat-4937	88	15	to	to	ADP
easat-4937	88	16	the	the	DET
easat-4937	88	17	object	object	NOUN
easat-4937	88	18	.	.	PUNCT
easat-4937	89	1	positive	positive	ADJ
easat-4937	89	2	evaluations	evaluation	NOUN
easat-4937	89	3	in	in	ADP
easat-4937	89	4	terms	term	NOUN
easat-4937	89	5	of	of	ADP
easat-4937	89	6	relative	relative	ADJ
easat-4937	89	7	advantage	advantage	NOUN
easat-4937	89	8	,	,	PUNCT
easat-4937	89	9	ease	ease	NOUN
easat-4937	89	10	of	of	ADP
easat-4937	89	11	use	use	NOUN
easat-4937	89	12	,	,	PUNCT
easat-4937	89	13	and	and	CCONJ
easat-4937	89	14	compatibility	compatibility	NOUN
easat-4937	89	15	result	result	VERB
easat-4937	89	16	in	in	ADP
easat-4937	89	17	a	a	DET
easat-4937	89	18	favorable	favorable	ADJ
easat-4937	89	19	attitude	attitude	NOUN
easat-4937	89	20	toward	toward	ADP
easat-4937	89	21	the	the	DET
easat-4937	89	22	object	object	NOUN
easat-4937	89	23	,	,	PUNCT
easat-4937	89	24	increasing	increase	VERB
easat-4937	89	25	the	the	DET
easat-4937	89	26	likelihood	likelihood	NOUN
easat-4937	89	27	of	of	ADP
easat-4937	89	28	acceptance	acceptance	NOUN
easat-4937	89	29	and	and	CCONJ
easat-4937	89	30	use	use	NOUN
easat-4937	89	31	.	.	PUNCT
easat-4937	90	1	over	over	ADP
easat-4937	90	2	time	time	NOUN
easat-4937	90	3	,	,	PUNCT
easat-4937	90	4	these	these	DET
easat-4937	90	5	evaluations	evaluation	NOUN
easat-4937	90	6	aggregate	aggregate	VERB
easat-4937	90	7	into	into	ADP
easat-4937	90	8	a	a	DET
easat-4937	90	9	stable	stable	ADJ
easat-4937	90	10	,	,	PUNCT
easat-4937	90	11	automatic	automatic	ADJ
easat-4937	90	12	response	response	NOUN
easat-4937	90	13	that	that	PRON
easat-4937	90	14	triggers	trigger	VERB
easat-4937	90	15	whenever	whenever	SCONJ
easat-4937	90	16	the	the	DET
easat-4937	90	17	object	object	NOUN
easat-4937	90	18	is	be	AUX
easat-4937	90	19	encountered	encounter	VERB
easat-4937	90	20	,	,	PUNCT
easat-4937	90	21	forming	form	VERB
easat-4937	90	22	a	a	DET
easat-4937	90	23	lasting	lasting	ADJ
easat-4937	90	24	attitude	attitude	NOUN
easat-4937	90	25	[	[	X
easat-4937	90	26	29	29	NUM
easat-4937	90	27	]	]	PUNCT
easat-4937	90	28	.	.	PUNCT
easat-4937	91	1	attitudinal	attitudinal	ADJ
easat-4937	91	2	belief	belief	NOUN
easat-4937	91	3	toward	toward	ADP
easat-4937	91	4	behavior	behavior	NOUN
easat-4937	91	5	refers	refer	VERB
easat-4937	91	6	to	to	ADP
easat-4937	91	7	a	a	DET
easat-4937	91	8	person	person	NOUN
easat-4937	91	9	’s	’s	PART
easat-4937	91	10	evaluation	evaluation	NOUN
easat-4937	91	11	or	or	CCONJ
easat-4937	91	12	perception	perception	NOUN
easat-4937	91	13	of	of	ADP
easat-4937	91	14	performing	perform	VERB
easat-4937	91	15	a	a	DET
easat-4937	91	16	specific	specific	ADJ
easat-4937	91	17	behavior	behavior	NOUN
easat-4937	91	18	based	base	VERB
easat-4937	91	19	on	on	ADP
easat-4937	91	20	expected	expect	VERB
easat-4937	91	21	outcomes	outcome	NOUN
easat-4937	91	22	[	[	X
easat-4937	91	23	34	34	NUM
easat-4937	91	24	]	]	PUNCT
easat-4937	91	25	.	.	PUNCT
easat-4937	92	1	it	it	PRON
easat-4937	92	2	reflects	reflect	VERB
easat-4937	92	3	how	how	SCONJ
easat-4937	92	4	positively	positively	ADV
easat-4937	92	5	or	or	CCONJ
easat-4937	92	6	negatively	negatively	ADV
easat-4937	92	7	an	an	DET
easat-4937	92	8	individual	individual	ADJ
easat-4937	92	9	believes	believe	VERB
easat-4937	92	10	engaging	engage	VERB
easat-4937	92	11	in	in	ADP
easat-4937	92	12	that	that	DET
easat-4937	92	13	behavior	behavior	NOUN
easat-4937	92	14	will	will	AUX
easat-4937	92	15	affect	affect	VERB
easat-4937	92	16	them	they	PRON
easat-4937	92	17	,	,	PUNCT
easat-4937	92	18	influenced	influence	VERB
easat-4937	92	19	by	by	ADP
easat-4937	92	20	perceived	perceive	VERB
easat-4937	92	21	benefits	benefit	NOUN
easat-4937	92	22	,	,	PUNCT
easat-4937	92	23	risks	risk	NOUN
easat-4937	92	24	,	,	PUNCT
easat-4937	92	25	or	or	CCONJ
easat-4937	92	26	consequences	consequence	NOUN
easat-4937	92	27	[	[	X
easat-4937	92	28	41	41	NUM
easat-4937	92	29	]	]	PUNCT
easat-4937	92	30	.	.	PUNCT
easat-4937	93	1	studies	study	NOUN
easat-4937	93	2	have	have	AUX
easat-4937	93	3	demonstrated	demonstrate	VERB
easat-4937	93	4	that	that	SCONJ
easat-4937	93	5	attitude	attitude	NOUN
easat-4937	93	6	plays	play	VERB
easat-4937	93	7	a	a	DET
easat-4937	93	8	critical	critical	ADJ
easat-4937	93	9	role	role	NOUN
easat-4937	93	10	in	in	ADP
easat-4937	93	11	shaping	shape	VERB
easat-4937	93	12	behavior	behavior	NOUN
easat-4937	93	13	[	[	X
easat-4937	93	14	29	29	NUM
easat-4937	93	15	,	,	PUNCT
easat-4937	93	16	42	42	NUM
easat-4937	93	17	,	,	PUNCT
easat-4937	93	18	43	43	NUM
easat-4937	93	19	]	]	PUNCT
easat-4937	93	20	.	.	PUNCT
easat-4937	94	1	particularly	particularly	ADV
easat-4937	94	2	in	in	ADP
easat-4937	94	3	investing	invest	VERB
easat-4937	94	4	decision	decision	NOUN
easat-4937	94	5	,	,	PUNCT
easat-4937	94	6	positive	positive	ADJ
easat-4937	94	7	attitude	attitude	NOUN
easat-4937	94	8	toward	toward	ADP
easat-4937	94	9	the	the	DET
easat-4937	94	10	investment	investment	NOUN
easat-4937	94	11	is	be	AUX
easat-4937	94	12	crucial	crucial	ADJ
easat-4937	94	13	in	in	ADP
easat-4937	94	14	fostering	foster	VERB
easat-4937	94	15	intention	intention	NOUN
easat-4937	94	16	to	to	PART
easat-4937	94	17	invest	invest	VERB
easat-4937	94	18	[	[	X
easat-4937	94	19	32	32	NUM
easat-4937	94	20	,	,	PUNCT
easat-4937	94	21	44	44	NUM
easat-4937	94	22	]	]	PUNCT
easat-4937	94	23	.	.	PUNCT
easat-4937	95	1	3.2	3.2	NUM
easat-4937	95	2	.	.	PUNCT
easat-4937	96	1	subjective	subjective	ADJ
easat-4937	96	2	norms	norm	NOUN
easat-4937	96	3	to	to	AUX
easat-4937	96	4	investment	investment	NOUN
easat-4937	96	5	subjective	subjective	ADJ
easat-4937	96	6	norms	norm	NOUN
easat-4937	96	7	refer	refer	VERB
easat-4937	96	8	to	to	ADP
easat-4937	96	9	the	the	DET
easat-4937	96	10	perceived	perceive	VERB
easat-4937	96	11	social	social	ADJ
easat-4937	96	12	pressure	pressure	NOUN
easat-4937	96	13	to	to	PART
easat-4937	96	14	engage	engage	VERB
easat-4937	96	15	or	or	CCONJ
easat-4937	96	16	not	not	PART
easat-4937	96	17	engage	engage	VERB
easat-4937	96	18	in	in	ADP
easat-4937	96	19	a	a	DET
easat-4937	96	20	behavior	behavior	NOUN
easat-4937	96	21	[	[	X
easat-4937	96	22	31	31	NUM
easat-4937	96	23	]	]	PUNCT
easat-4937	96	24	.	.	PUNCT
easat-4937	97	1	subjective	subjective	ADJ
easat-4937	97	2	norm	norm	NOUN
easat-4937	97	3	based	base	VERB
easat-4937	97	4	on	on	ADP
easat-4937	97	5	normative	normative	ADJ
easat-4937	97	6	beliefs	belief	NOUN
easat-4937	97	7	,	,	PUNCT
easat-4937	97	8	about	about	ADP
easat-4937	97	9	whether	whether	SCONJ
easat-4937	97	10	referents	referent	NOUN
easat-4937	97	11	think	think	VERB
easat-4937	97	12	the	the	DET
easat-4937	97	13	person	person	NOUN
easat-4937	97	14	should	should	AUX
easat-4937	97	15	or	or	CCONJ
easat-4937	97	16	should	should	AUX
easat-4937	97	17	not	not	PART
easat-4937	97	18	do	do	VERB
easat-4937	97	19	the	the	DET
easat-4937	97	20	behavior	behavior	NOUN
easat-4937	97	21	[	[	X
easat-4937	97	22	29	29	NUM
easat-4937	97	23	]	]	PUNCT
easat-4937	97	24	.	.	PUNCT
easat-4937	98	1	in	in	ADP
easat-4937	98	2	his	his	PRON
easat-4937	98	3	subsequent	subsequent	ADJ
easat-4937	98	4	work	work	NOUN
easat-4937	98	5	,	,	PUNCT
easat-4937	98	6	ajzen	ajzen	NOUN
easat-4937	99	1	[	[	X
easat-4937	99	2	30	30	NUM
easat-4937	99	3	]	]	PUNCT
easat-4937	99	4	divides	divide	VERB
easat-4937	99	5	normative	normative	ADJ
easat-4937	99	6	belief	belief	NOUN
easat-4937	99	7	into	into	ADP
easat-4937	99	8	two	two	NUM
easat-4937	99	9	which	which	PRON
easat-4937	99	10	are	be	AUX
easat-4937	99	11	injunctive	injunctive	ADJ
easat-4937	99	12	and	and	CCONJ
easat-4937	99	13	descriptive	descriptive	ADJ
easat-4937	99	14	normative	normative	ADJ
easat-4937	99	15	beliefs	belief	NOUN
easat-4937	99	16	.	.	PUNCT
easat-4937	100	1	injunctive	injunctive	ADJ
easat-4937	100	2	normative	normative	ADJ
easat-4937	100	3	beliefs	belief	NOUN
easat-4937	100	4	refer	refer	VERB
easat-4937	100	5	to	to	ADP
easat-4937	100	6	whether	whether	SCONJ
easat-4937	100	7	important	important	ADJ
easat-4937	100	8	people	people	NOUN
easat-4937	100	9	(	(	PUNCT
easat-4937	100	10	friends	friend	NOUN
easat-4937	100	11	,	,	PUNCT
easat-4937	100	12	family	family	NOUN
easat-4937	100	13	,	,	PUNCT
easat-4937	100	14	or	or	CCONJ
easat-4937	100	15	coworkers	coworker	NOUN
easat-4937	100	16	)	)	PUNCT
easat-4937	100	17	approve	approve	VERB
easat-4937	100	18	or	or	CCONJ
easat-4937	100	19	disapprove	disapprove	VERB
easat-4937	100	20	of	of	ADP
easat-4937	100	21	a	a	DET
easat-4937	100	22	certain	certain	ADJ
easat-4937	100	23	behavior	behavior	NOUN
easat-4937	100	24	.	.	PUNCT
easat-4937	101	1	injunctive	injunctive	ADJ
easat-4937	101	2	norms	norm	NOUN
easat-4937	101	3	reflect	reflect	VERB
easat-4937	101	4	perceptions	perception	NOUN
easat-4937	101	5	of	of	ADP
easat-4937	101	6	what	what	PRON
easat-4937	101	7	significant	significant	ADJ
easat-4937	101	8	others	other	NOUN
easat-4937	101	9	approve	approve	VERB
easat-4937	101	10	of	of	ADP
easat-4937	101	11	or	or	CCONJ
easat-4937	101	12	believe	believe	VERB
easat-4937	101	13	one	one	PRON
easat-4937	101	14	ought	ought	AUX
easat-4937	101	15	to	to	PART
easat-4937	101	16	do	do	VERB
easat-4937	101	17	,	,	PUNCT
easat-4937	101	18	influencing	influence	VERB
easat-4937	101	19	behavior	behavior	NOUN
easat-4937	101	20	through	through	ADP
easat-4937	101	21	perceived	perceive	VERB
easat-4937	101	22	social	social	ADJ
easat-4937	101	23	pressures	pressure	NOUN
easat-4937	101	24	to	to	PART
easat-4937	101	25	conform	conform	VERB
easat-4937	101	26	.	.	PUNCT
easat-4937	102	1	these	these	DET
easat-4937	102	2	norms	norm	NOUN
easat-4937	102	3	involve	involve	VERB
easat-4937	102	4	behaviors	behavior	NOUN
easat-4937	102	5	that	that	SCONJ
easat-4937	102	6	individuals	individual	NOUN
easat-4937	102	7	are	be	AUX
easat-4937	102	8	expected	expect	VERB
easat-4937	102	9	to	to	PART
easat-4937	102	10	follow	follow	VERB
easat-4937	102	11	,	,	PUNCT
easat-4937	102	12	both	both	PRON
easat-4937	102	13	for	for	ADP
easat-4937	102	14	themselves	themselves	PRON
easat-4937	102	15	and	and	CCONJ
easat-4937	102	16	for	for	ADP
easat-4937	102	17	others	other	NOUN
easat-4937	102	18	,	,	PUNCT
easat-4937	102	19	and	and	CCONJ
easat-4937	102	20	are	be	AUX
easat-4937	102	21	maintained	maintain	VERB
easat-4937	102	22	by	by	ADP
easat-4937	102	23	the	the	DET
easat-4937	102	24	threat	threat	NOUN
easat-4937	102	25	of	of	ADP
easat-4937	102	26	disapproval	disapproval	NOUN
easat-4937	102	27	or	or	CCONJ
easat-4937	102	28	punishment	punishment	NOUN
easat-4937	102	29	,	,	PUNCT
easat-4937	102	30	as	as	ADV
easat-4937	102	31	well	well	ADV
easat-4937	102	32	as	as	ADP
easat-4937	102	33	through	through	ADP
easat-4937	102	34	internalization	internalization	NOUN
easat-4937	102	35	[	[	X
easat-4937	102	36	45	45	NUM
easat-4937	102	37	,	,	PUNCT
easat-4937	102	38	46	46	NUM
easat-4937	102	39	]	]	PUNCT
easat-4937	102	40	.	.	PUNCT
easat-4937	103	1	while	while	SCONJ
easat-4937	103	2	injunctive	injunctive	ADJ
easat-4937	103	3	normative	normative	ADJ
easat-4937	103	4	beliefs	belief	NOUN
easat-4937	103	5	refer	refer	VERB
easat-4937	103	6	to	to	ADP
easat-4937	103	7	whether	whether	SCONJ
easat-4937	103	8	important	important	ADJ
easat-4937	103	9	people	people	NOUN
easat-4937	103	10	themselves	themselves	PRON
easat-4937	103	11	do	do	AUX
easat-4937	103	12	the	the	DET
easat-4937	103	13	behavior	behavior	NOUN
easat-4937	103	14	.	.	PUNCT
easat-4937	104	1	descriptive	descriptive	ADJ
easat-4937	104	2	normative	normative	ADJ
easat-4937	104	3	belief	belief	NOUN
easat-4937	104	4	reflects	reflect	VERB
easat-4937	104	5	the	the	DET
easat-4937	104	6	perception	perception	NOUN
easat-4937	104	7	of	of	ADP
easat-4937	104	8	whether	whether	SCONJ
easat-4937	104	9	other	other	ADJ
easat-4937	104	10	people	people	NOUN
easat-4937	104	11	perform	perform	VERB
easat-4937	104	12	the	the	DET
easat-4937	104	13	behavior	behavior	NOUN
easat-4937	104	14	.	.	PUNCT
easat-4937	105	1	these	these	DET
easat-4937	105	2	beliefs	belief	NOUN
easat-4937	105	3	describe	describe	VERB
easat-4937	105	4	what	what	PRON
easat-4937	105	5	is	be	AUX
easat-4937	105	6	typical	typical	ADJ
easat-4937	105	7	or	or	CCONJ
easat-4937	105	8	normal	normal	ADJ
easat-4937	105	9	and	and	CCONJ
easat-4937	105	10	motivate	motivate	ADJ
easat-4937	105	11	action	action	NOUN
easat-4937	105	12	by	by	ADP
easat-4937	105	13	providing	provide	VERB
easat-4937	105	14	evidence	evidence	NOUN
easat-4937	105	15	of	of	ADP
easat-4937	105	16	what	what	PRON
easat-4937	105	17	is	be	AUX
easat-4937	105	18	likely	likely	ADJ
easat-4937	105	19	to	to	PART
easat-4937	105	20	be	be	AUX
easat-4937	105	21	effective	effective	ADJ
easat-4937	105	22	,	,	PUNCT
easat-4937	105	23	adaptive	adaptive	ADJ
easat-4937	105	24	,	,	PUNCT
easat-4937	105	25	and	and	CCONJ
easat-4937	105	26	appropriate	appropriate	ADJ
easat-4937	105	27	based	base	VERB
easat-4937	105	28	on	on	ADP
easat-4937	105	29	what	what	PRON
easat-4937	105	30	others	other	NOUN
easat-4937	105	31	are	be	AUX
easat-4937	105	32	doing	do	VERB
easat-4937	105	33	gavrilets	gavrilet	NOUN
easat-4937	105	34	[	[	X
easat-4937	105	35	45	45	NUM
easat-4937	105	36	]	]	PUNCT
easat-4937	105	37	.	.	PUNCT
easat-4937	106	1	move	move	VERB
easat-4937	106	2	over	over	ADP
easat-4937	106	3	,	,	PUNCT
easat-4937	106	4	tang	tang	PROPN
easat-4937	106	5	,	,	PUNCT
easat-4937	106	6	et	et	PROPN
easat-4937	106	7	al	al	PROPN
easat-4937	106	8	.	.	PUNCT
easat-4937	107	1	[	[	X
easat-4937	107	2	47	47	NUM
easat-4937	107	3	]	]	PUNCT
easat-4937	107	4	argue	argue	VERB
easat-4937	107	5	that	that	SCONJ
easat-4937	107	6	an	an	DET
easat-4937	107	7	intimate	intimate	ADJ
easat-4937	107	8	connection	connection	NOUN
easat-4937	107	9	can	can	AUX
easat-4937	107	10	shape	shape	VERB
easat-4937	107	11	their	their	PRON
easat-4937	107	12	intention	intention	NOUN
easat-4937	107	13	by	by	ADP
easat-4937	107	14	influencing	influence	VERB
easat-4937	107	15	them	they	PRON
easat-4937	107	16	to	to	PART
easat-4937	107	17	adopt	adopt	VERB
easat-4937	107	18	a	a	DET
easat-4937	107	19	similar	similar	ADJ
easat-4937	107	20	behavior	behavior	NOUN
easat-4937	107	21	.	.	PUNCT
easat-4937	108	1	research	research	NOUN
easat-4937	108	2	indicates	indicate	VERB
easat-4937	108	3	that	that	SCONJ
easat-4937	108	4	the	the	DET
easat-4937	108	5	advice	advice	NOUN
easat-4937	108	6	of	of	ADP
easat-4937	108	7	family	family	NOUN
easat-4937	108	8	,	,	PUNCT
easat-4937	108	9	friends	friend	NOUN
easat-4937	108	10	,	,	PUNCT
easat-4937	108	11	or	or	CCONJ
easat-4937	108	12	colleagues	colleague	NOUN
easat-4937	108	13	influences	influence	VERB
easat-4937	108	14	an	an	DET
easat-4937	108	15	individual	individual	ADJ
easat-4937	108	16	investing	investing	NOUN
easat-4937	108	17	decision	decision	NOUN
easat-4937	108	18	[	[	X
easat-4937	108	19	48	48	NUM
easat-4937	108	20	]	]	PUNCT
easat-4937	108	21	.	.	PUNCT
easat-4937	109	1	this	this	DET
easat-4937	109	2	influence	influence	NOUN
easat-4937	109	3	extends	extend	VERB
easat-4937	109	4	to	to	ADP
easat-4937	109	5	high	high	ADJ
easat-4937	109	6	-	-	PUNCT
easat-4937	109	7	risk	risk	NOUN
easat-4937	109	8	investments	investment	NOUN
easat-4937	109	9	,	,	PUNCT
easat-4937	109	10	where	where	SCONJ
easat-4937	109	11	individuals	individual	NOUN
easat-4937	109	12	may	may	AUX
easat-4937	109	13	be	be	AUX
easat-4937	109	14	more	more	ADV
easat-4937	109	15	likely	likely	ADJ
easat-4937	109	16	to	to	PART
easat-4937	109	17	invest	invest	VERB
easat-4937	109	18	in	in	ADP
easat-4937	109	19	such	such	ADJ
easat-4937	109	20	instruments	instrument	NOUN
easat-4937	109	21	if	if	SCONJ
easat-4937	109	22	encouraged	encourage	VERB
easat-4937	109	23	by	by	ADP
easat-4937	109	24	their	their	PRON
easat-4937	109	25	social	social	ADJ
easat-4937	109	26	circle	circle	NOUN
easat-4937	109	27	,	,	PUNCT
easat-4937	109	28	even	even	ADV
easat-4937	109	29	without	without	ADP
easat-4937	109	30	sufficient	sufficient	ADJ
easat-4937	109	31	knowledge	knowledge	NOUN
easat-4937	109	32	[	[	X
easat-4937	109	33	49	49	NUM
easat-4937	109	34	]	]	PUNCT
easat-4937	109	35	.	.	PUNCT
easat-4937	110	1	additionally	additionally	ADV
easat-4937	110	2	,	,	PUNCT
easat-4937	110	3	recommendations	recommendation	NOUN
easat-4937	110	4	from	from	ADP
easat-4937	110	5	close	close	ADJ
easat-4937	110	6	contacts	contact	NOUN
easat-4937	110	7	or	or	CCONJ
easat-4937	110	8	advertisements	advertisement	NOUN
easat-4937	110	9	can	can	AUX
easat-4937	110	10	affect	affect	VERB
easat-4937	110	11	trust	trust	NOUN
easat-4937	110	12	in	in	ADP
easat-4937	110	13	investment	investment	NOUN
easat-4937	110	14	platforms	platform	NOUN
easat-4937	110	15	[	[	X
easat-4937	110	16	32	32	NUM
easat-4937	110	17	]	]	PUNCT
easat-4937	110	18	.	.	PUNCT
easat-4937	111	1	furthermore	furthermore	ADV
easat-4937	111	2	,	,	PUNCT
easat-4937	111	3	influencers	influencer	NOUN
easat-4937	111	4	'	'	PART
easat-4937	111	5	advertisements	advertisement	NOUN
easat-4937	111	6	also	also	ADV
easat-4937	111	7	impact	impact	VERB
easat-4937	111	8	decision	decision	NOUN
easat-4937	111	9	-	-	PUNCT
easat-4937	111	10	making	making	NOUN
easat-4937	111	11	.	.	PUNCT
easat-4937	112	1	the	the	DET
easat-4937	112	2	perceived	perceive	VERB
easat-4937	112	3	social	social	ADJ
easat-4937	112	4	media	medium	NOUN
easat-4937	112	5	marketing	marketing	NOUN
easat-4937	112	6	activities	activity	NOUN
easat-4937	112	7	of	of	ADP
easat-4937	112	8	influencers	influencer	NOUN
easat-4937	112	9	shape	shape	VERB
easat-4937	112	10	individuals	individual	NOUN
easat-4937	112	11	’	'	PUNCT
easat-4937	112	12	perceptions	perception	NOUN
easat-4937	112	13	of	of	ADP
easat-4937	112	14	source	source	NOUN
easat-4937	112	15	credibility	credibility	NOUN
easat-4937	112	16	,	,	PUNCT
easat-4937	112	17	particularly	particularly	ADV
easat-4937	112	18	in	in	ADP
easat-4937	112	19	terms	term	NOUN
easat-4937	112	20	of	of	ADP
easat-4937	112	21	attractiveness	attractiveness	NOUN
easat-4937	112	22	,	,	PUNCT
easat-4937	112	23	expertise	expertise	NOUN
easat-4937	112	24	,	,	PUNCT
easat-4937	112	25	and	and	CCONJ
easat-4937	112	26	trustworthiness	trustworthiness	NOUN
easat-4937	112	27	[	[	X
easat-4937	112	28	50	50	NUM
easat-4937	112	29	]	]	PUNCT
easat-4937	112	30	.	.	PUNCT
easat-4937	113	1	1842	1842	NUM
easat-4937	113	2	edelweiss	edelweiss	PROPN
easat-4937	113	3	applied	apply	VERB
easat-4937	113	4	science	science	NOUN
easat-4937	113	5	and	and	CCONJ
easat-4937	113	6	technology	technology	NOUN
easat-4937	113	7	issn	issn	PROPN
easat-4937	113	8	:	:	PUNCT
easat-4937	113	9	2576	2576	NUM
easat-4937	113	10	-	-	SYM
easat-4937	113	11	8484	8484	NUM
easat-4937	113	12	vol	vol	NOUN
easat-4937	113	13	.	.	PROPN
easat-4937	114	1	9	9	NUM
easat-4937	114	2	,	,	PUNCT
easat-4937	114	3	no	no	INTJ
easat-4937	114	4	.	.	NOUN
easat-4937	114	5	2	2	NUM
easat-4937	114	6	:	:	SYM
easat-4937	114	7	1839	1839	NUM
easat-4937	114	8	-	-	SYM
easat-4937	114	9	1851	1851	NUM
easat-4937	114	10	,	,	PUNCT
easat-4937	114	11	2025	2025	NUM
easat-4937	114	12	doi	doi	NOUN
easat-4937	114	13	:	:	PUNCT
easat-4937	114	14	10.55214/25768484.v9i2.4937	10.55214/25768484.v9i2.4937	NUM
easat-4937	114	15	©	©	PROPN
easat-4937	114	16	2025	2025	NUM
easat-4937	114	17	by	by	ADP
easat-4937	114	18	the	the	DET
easat-4937	114	19	authors	author	NOUN
easat-4937	114	20	;	;	PUNCT
easat-4937	114	21	licensee	licensee	PROPN
easat-4937	114	22	learning	learning	NOUN
easat-4937	114	23	gate	gate	NOUN
easat-4937	114	24	3.3	3.3	NUM
easat-4937	114	25	.	.	PUNCT
easat-4937	115	1	perceived	perceive	VERB
easat-4937	115	2	behavioral	behavioral	ADJ
easat-4937	115	3	control	control	NOUN
easat-4937	115	4	in	in	ADP
easat-4937	115	5	investment	investment	NOUN
easat-4937	115	6	perceived	perceive	VERB
easat-4937	115	7	behavioral	behavioral	ADJ
easat-4937	115	8	control	control	NOUN
easat-4937	115	9	refers	refer	VERB
easat-4937	115	10	to	to	ADP
easat-4937	115	11	an	an	DET
easat-4937	115	12	individual	individual	NOUN
easat-4937	115	13	's	's	PART
easat-4937	115	14	perception	perception	NOUN
easat-4937	115	15	of	of	ADP
easat-4937	115	16	the	the	DET
easat-4937	115	17	ease	ease	NOUN
easat-4937	115	18	or	or	CCONJ
easat-4937	115	19	difficulty	difficulty	NOUN
easat-4937	115	20	in	in	ADP
easat-4937	115	21	performing	perform	VERB
easat-4937	115	22	a	a	DET
easat-4937	115	23	task	task	NOUN
easat-4937	115	24	[	[	X
easat-4937	115	25	31	31	NUM
easat-4937	115	26	]	]	PUNCT
easat-4937	115	27	.	.	PUNCT
easat-4937	116	1	such	such	DET
easat-4937	116	2	a	a	DET
easat-4937	116	3	perception	perception	NOUN
easat-4937	116	4	is	be	AUX
easat-4937	116	5	influenced	influence	VERB
easat-4937	116	6	by	by	ADP
easat-4937	116	7	control	control	NOUN
easat-4937	116	8	belief	belief	NOUN
easat-4937	116	9	and	and	CCONJ
easat-4937	116	10	facilitating	facilitate	VERB
easat-4937	116	11	conditions	condition	NOUN
easat-4937	116	12	.	.	PUNCT
easat-4937	117	1	control	control	NOUN
easat-4937	117	2	belief	belief	NOUN
easat-4937	117	3	refers	refer	VERB
easat-4937	117	4	to	to	ADP
easat-4937	117	5	an	an	DET
easat-4937	117	6	individual	individual	NOUN
easat-4937	117	7	’s	’s	PART
easat-4937	117	8	perception	perception	NOUN
easat-4937	117	9	of	of	ADP
easat-4937	117	10	factors	factor	NOUN
easat-4937	117	11	that	that	PRON
easat-4937	117	12	can	can	AUX
easat-4937	117	13	either	either	CCONJ
easat-4937	117	14	facilitate	facilitate	VERB
easat-4937	117	15	or	or	CCONJ
easat-4937	117	16	hinder	hinder	VERB
easat-4937	117	17	their	their	PRON
easat-4937	117	18	ability	ability	NOUN
easat-4937	117	19	to	to	PART
easat-4937	117	20	perform	perform	VERB
easat-4937	117	21	a	a	DET
easat-4937	117	22	specific	specific	ADJ
easat-4937	117	23	behavior	behavior	NOUN
easat-4937	117	24	[	[	X
easat-4937	117	25	31	31	NUM
easat-4937	117	26	]	]	PUNCT
easat-4937	117	27	.	.	PUNCT
easat-4937	118	1	someone	someone	PRON
easat-4937	118	2	’s	’s	PART
easat-4937	118	3	control	control	NOUN
easat-4937	118	4	belief	belief	NOUN
easat-4937	118	5	is	be	AUX
easat-4937	118	6	shaped	shape	VERB
easat-4937	118	7	by	by	ADP
easat-4937	118	8	past	past	ADJ
easat-4937	118	9	experiences	experience	NOUN
easat-4937	118	10	and	and	CCONJ
easat-4937	118	11	observations	observation	NOUN
easat-4937	118	12	.	.	PUNCT
easat-4937	119	1	the	the	DET
easat-4937	119	2	more	more	ADV
easat-4937	119	3	positive	positive	ADJ
easat-4937	119	4	past	past	ADJ
easat-4937	119	5	experiences	experience	NOUN
easat-4937	119	6	someone	someone	PRON
easat-4937	119	7	has	have	VERB
easat-4937	119	8	with	with	ADP
easat-4937	119	9	successfully	successfully	ADV
easat-4937	119	10	performing	perform	VERB
easat-4937	119	11	a	a	DET
easat-4937	119	12	behavior	behavior	NOUN
easat-4937	119	13	,	,	PUNCT
easat-4937	119	14	the	the	PRON
easat-4937	119	15	stronger	strong	ADJ
easat-4937	119	16	their	their	PRON
easat-4937	119	17	belief	belief	NOUN
easat-4937	119	18	in	in	ADP
easat-4937	119	19	their	their	PRON
easat-4937	119	20	ability	ability	NOUN
easat-4937	119	21	to	to	PART
easat-4937	119	22	control	control	VERB
easat-4937	119	23	similar	similar	ADJ
easat-4937	119	24	situations	situation	NOUN
easat-4937	119	25	in	in	ADP
easat-4937	119	26	the	the	DET
easat-4937	119	27	future	future	NOUN
easat-4937	119	28	.	.	PUNCT
easat-4937	120	1	conversely	conversely	ADV
easat-4937	120	2	,	,	PUNCT
easat-4937	120	3	repeated	repeat	VERB
easat-4937	120	4	negative	negative	ADJ
easat-4937	120	5	experiences	experience	NOUN
easat-4937	120	6	can	can	AUX
easat-4937	120	7	weaken	weaken	VERB
easat-4937	120	8	their	their	PRON
easat-4937	120	9	control	control	NOUN
easat-4937	120	10	belief	belief	NOUN
easat-4937	120	11	by	by	ADP
easat-4937	120	12	reinforcing	reinforce	VERB
easat-4937	120	13	perceived	perceive	VERB
easat-4937	120	14	barriers	barrier	NOUN
easat-4937	120	15	or	or	CCONJ
easat-4937	120	16	difficulties	difficulty	NOUN
easat-4937	120	17	[	[	X
easat-4937	120	18	31	31	NUM
easat-4937	120	19	]	]	PUNCT
easat-4937	120	20	.	.	PUNCT
easat-4937	121	1	facilitating	facilitate	VERB
easat-4937	121	2	conditions	condition	NOUN
easat-4937	121	3	refer	refer	VERB
easat-4937	121	4	to	to	ADP
easat-4937	121	5	external	external	ADJ
easat-4937	121	6	factors	factor	NOUN
easat-4937	121	7	or	or	CCONJ
easat-4937	121	8	resources	resource	NOUN
easat-4937	121	9	that	that	PRON
easat-4937	121	10	make	make	VERB
easat-4937	121	11	it	it	PRON
easat-4937	121	12	easier	easy	ADJ
easat-4937	121	13	for	for	SCONJ
easat-4937	121	14	an	an	DET
easat-4937	121	15	individual	individual	NOUN
easat-4937	121	16	to	to	PART
easat-4937	121	17	perform	perform	VERB
easat-4937	121	18	a	a	DET
easat-4937	121	19	specific	specific	ADJ
easat-4937	121	20	behavior	behavior	NOUN
easat-4937	121	21	[	[	X
easat-4937	121	22	31	31	NUM
easat-4937	121	23	]	]	PUNCT
easat-4937	121	24	.	.	PUNCT
easat-4937	122	1	these	these	PRON
easat-4937	122	2	may	may	AUX
easat-4937	122	3	include	include	VERB
easat-4937	122	4	the	the	DET
easat-4937	122	5	availability	availability	NOUN
easat-4937	122	6	of	of	ADP
easat-4937	122	7	resources	resource	NOUN
easat-4937	122	8	,	,	PUNCT
easat-4937	122	9	opportunities	opportunity	NOUN
easat-4937	122	10	,	,	PUNCT
easat-4937	122	11	time	time	NOUN
easat-4937	122	12	,	,	PUNCT
easat-4937	122	13	money	money	NOUN
easat-4937	122	14	,	,	PUNCT
easat-4937	122	15	skills	skill	NOUN
easat-4937	122	16	,	,	PUNCT
easat-4937	122	17	or	or	CCONJ
easat-4937	122	18	help	help	NOUN
easat-4937	122	19	from	from	ADP
easat-4937	122	20	others	other	NOUN
easat-4937	122	21	[	[	X
easat-4937	122	22	48	48	NUM
easat-4937	122	23	,	,	PUNCT
easat-4937	122	24	51	51	NUM
easat-4937	122	25	]	]	PUNCT
easat-4937	122	26	.	.	PUNCT
easat-4937	123	1	when	when	SCONJ
easat-4937	123	2	facilitating	facilitate	VERB
easat-4937	123	3	conditions	condition	NOUN
easat-4937	123	4	are	be	AUX
easat-4937	123	5	present	present	ADJ
easat-4937	123	6	,	,	PUNCT
easat-4937	123	7	individuals	individual	NOUN
easat-4937	123	8	are	be	AUX
easat-4937	123	9	more	more	ADV
easat-4937	123	10	likely	likely	ADJ
easat-4937	123	11	to	to	PART
easat-4937	123	12	feel	feel	VERB
easat-4937	123	13	capable	capable	ADJ
easat-4937	123	14	of	of	ADP
easat-4937	123	15	completing	complete	VERB
easat-4937	123	16	a	a	DET
easat-4937	123	17	task	task	NOUN
easat-4937	123	18	,	,	PUNCT
easat-4937	123	19	enhancing	enhance	VERB
easat-4937	123	20	their	their	PRON
easat-4937	123	21	perceived	perceive	VERB
easat-4937	123	22	behavioral	behavioral	ADJ
easat-4937	123	23	control	control	NOUN
easat-4937	123	24	.	.	PUNCT
easat-4937	124	1	conversely	conversely	ADV
easat-4937	124	2	,	,	PUNCT
easat-4937	124	3	a	a	DET
easat-4937	124	4	lack	lack	NOUN
easat-4937	124	5	of	of	ADP
easat-4937	124	6	facilitating	facilitate	VERB
easat-4937	124	7	conditions	condition	NOUN
easat-4937	124	8	can	can	AUX
easat-4937	124	9	create	create	VERB
easat-4937	124	10	obstacles	obstacle	NOUN
easat-4937	124	11	that	that	PRON
easat-4937	124	12	hinder	hinder	VERB
easat-4937	124	13	performance	performance	NOUN
easat-4937	124	14	.	.	PUNCT
easat-4937	125	1	studies	study	NOUN
easat-4937	125	2	demonstrate	demonstrate	VERB
easat-4937	125	3	that	that	SCONJ
easat-4937	125	4	perceived	perceive	VERB
easat-4937	125	5	behavioral	behavioral	ADJ
easat-4937	125	6	control	control	NOUN
easat-4937	125	7	plays	play	VERB
easat-4937	125	8	a	a	DET
easat-4937	125	9	crucial	crucial	ADJ
easat-4937	125	10	role	role	NOUN
easat-4937	125	11	in	in	ADP
easat-4937	125	12	investment	investment	NOUN
easat-4937	125	13	decisions	decision	NOUN
easat-4937	125	14	.	.	PUNCT
easat-4937	126	1	it	it	PRON
easat-4937	126	2	empowers	empower	VERB
easat-4937	126	3	individuals	individual	NOUN
easat-4937	126	4	to	to	PART
easat-4937	126	5	navigate	navigate	VERB
easat-4937	126	6	potential	potential	ADJ
easat-4937	126	7	challenges	challenge	NOUN
easat-4937	126	8	and	and	CCONJ
easat-4937	126	9	uncertainties	uncertainty	NOUN
easat-4937	126	10	inherent	inherent	ADJ
easat-4937	126	11	in	in	ADP
easat-4937	126	12	financial	financial	ADJ
easat-4937	126	13	decisionmaking	decisionmaking	NOUN
easat-4937	126	14	[	[	X
easat-4937	126	15	13	13	NUM
easat-4937	126	16	]	]	PUNCT
easat-4937	126	17	.	.	PUNCT
easat-4937	127	1	moreover	moreover	ADV
easat-4937	127	2	,	,	PUNCT
easat-4937	127	3	tpb	tpb	NOUN
easat-4937	127	4	has	have	AUX
easat-4937	127	5	been	be	AUX
easat-4937	127	6	a	a	DET
easat-4937	127	7	widely	widely	ADV
easat-4937	127	8	used	use	VERB
easat-4937	127	9	framework	framework	NOUN
easat-4937	127	10	in	in	ADP
easat-4937	127	11	research	research	NOUN
easat-4937	127	12	on	on	ADP
easat-4937	127	13	financial	financial	ADJ
easat-4937	127	14	decisionmaking	decisionmaking	NOUN
easat-4937	127	15	,	,	PUNCT
easat-4937	127	16	particularly	particularly	ADV
easat-4937	127	17	in	in	ADP
easat-4937	127	18	the	the	DET
easat-4937	127	19	context	context	NOUN
easat-4937	127	20	of	of	ADP
easat-4937	127	21	investment	investment	NOUN
easat-4937	127	22	.	.	PUNCT
easat-4937	128	1	studies	study	NOUN
easat-4937	128	2	have	have	AUX
easat-4937	128	3	demonstrated	demonstrate	VERB
easat-4937	128	4	that	that	SCONJ
easat-4937	128	5	tpb	tpb	NOUN
easat-4937	128	6	can	can	AUX
easat-4937	128	7	be	be	AUX
easat-4937	128	8	applied	apply	VERB
easat-4937	128	9	to	to	PART
easat-4937	128	10	predict	predict	VERB
easat-4937	128	11	risky	risky	ADJ
easat-4937	128	12	investment	investment	NOUN
easat-4937	128	13	intentions	intention	NOUN
easat-4937	128	14	by	by	ADP
easat-4937	128	15	considering	consider	VERB
easat-4937	128	16	factors	factor	NOUN
easat-4937	128	17	such	such	ADJ
easat-4937	128	18	as	as	ADP
easat-4937	128	19	risk	risk	NOUN
easat-4937	128	20	-	-	PUNCT
easat-4937	128	21	taking	take	VERB
easat-4937	128	22	behavior	behavior	NOUN
easat-4937	128	23	,	,	PUNCT
easat-4937	128	24	financial	financial	ADJ
easat-4937	128	25	knowledge	knowledge	NOUN
easat-4937	128	26	,	,	PUNCT
easat-4937	128	27	past	past	ADJ
easat-4937	128	28	behaviors	behavior	NOUN
easat-4937	128	29	,	,	PUNCT
easat-4937	128	30	and	and	CCONJ
easat-4937	128	31	cultural	cultural	ADJ
easat-4937	128	32	influences	influence	NOUN
easat-4937	128	33	[	[	X
easat-4937	128	34	13	13	NUM
easat-4937	128	35	,	,	PUNCT
easat-4937	128	36	32	32	NUM
easat-4937	128	37	,	,	PUNCT
easat-4937	128	38	42	42	NUM
easat-4937	128	39	,	,	PUNCT
easat-4937	128	40	43	43	NUM
easat-4937	128	41	,	,	PUNCT
easat-4937	128	42	49	49	NUM
easat-4937	128	43	,	,	PUNCT
easat-4937	128	44	52	52	NUM
easat-4937	128	45	-	-	SYM
easat-4937	128	46	54	54	NUM
easat-4937	128	47	]	]	PUNCT
easat-4937	128	48	.	.	PUNCT
easat-4937	129	1	as	as	ADV
easat-4937	129	2	well	well	ADV
easat-4937	129	3	as	as	ADP
easat-4937	129	4	in	in	ADP
easat-4937	129	5	the	the	DET
easat-4937	129	6	context	context	NOUN
easat-4937	129	7	of	of	ADP
easat-4937	129	8	behavior	behavior	NOUN
easat-4937	129	9	influenced	influence	VERB
easat-4937	129	10	by	by	ADP
easat-4937	129	11	digital	digital	ADJ
easat-4937	129	12	technologies	technology	NOUN
easat-4937	130	1	[	[	X
easat-4937	130	2	55	55	NUM
easat-4937	130	3	]	]	PUNCT
easat-4937	130	4	.	.	PUNCT
easat-4937	131	1	4	4	X
easat-4937	131	2	.	.	X
easat-4937	131	3	methodology	methodology	NOUN
easat-4937	131	4	this	this	DET
easat-4937	131	5	study	study	NOUN
easat-4937	131	6	uses	use	VERB
easat-4937	131	7	a	a	DET
easat-4937	131	8	qualitative	qualitative	ADJ
easat-4937	131	9	approach	approach	NOUN
easat-4937	131	10	to	to	PART
easat-4937	131	11	gain	gain	VERB
easat-4937	131	12	a	a	DET
easat-4937	131	13	deeper	deep	ADJ
easat-4937	131	14	understanding	understanding	NOUN
easat-4937	131	15	of	of	ADP
easat-4937	131	16	p2p	p2p	NOUN
easat-4937	131	17	lending	lending	NOUN
easat-4937	131	18	motivations	motivation	NOUN
easat-4937	131	19	by	by	ADP
easat-4937	131	20	recognizing	recognize	VERB
easat-4937	131	21	important	important	ADJ
easat-4937	131	22	features	feature	NOUN
easat-4937	131	23	that	that	PRON
easat-4937	131	24	help	help	VERB
easat-4937	131	25	build	build	VERB
easat-4937	131	26	a	a	DET
easat-4937	131	27	deeper	deep	ADJ
easat-4937	131	28	understanding	understanding	NOUN
easat-4937	131	29	for	for	ADP
easat-4937	131	30	gaining	gain	VERB
easat-4937	131	31	new	new	ADJ
easat-4937	131	32	knowledge	knowledge	NOUN
easat-4937	131	33	[	[	X
easat-4937	131	34	56	56	NUM
easat-4937	131	35	]	]	PUNCT
easat-4937	131	36	.	.	PUNCT
easat-4937	132	1	the	the	DET
easat-4937	132	2	focus	focus	NOUN
easat-4937	132	3	of	of	ADP
easat-4937	132	4	qualitative	qualitative	ADJ
easat-4937	132	5	research	research	NOUN
easat-4937	132	6	is	be	AUX
easat-4937	132	7	to	to	PART
easat-4937	132	8	explore	explore	VERB
easat-4937	132	9	and	and	CCONJ
easat-4937	132	10	interpret	interpret	VERB
easat-4937	132	11	social	social	ADJ
easat-4937	132	12	phenomena	phenomenon	NOUN
easat-4937	132	13	[	[	X
easat-4937	132	14	57	57	NUM
easat-4937	132	15	]	]	PUNCT
easat-4937	132	16	.	.	PUNCT
easat-4937	133	1	the	the	DET
easat-4937	133	2	ability	ability	NOUN
easat-4937	133	3	of	of	ADP
easat-4937	133	4	qualitative	qualitative	ADJ
easat-4937	133	5	research	research	NOUN
easat-4937	133	6	to	to	PART
easat-4937	133	7	describe	describe	VERB
easat-4937	133	8	social	social	ADJ
easat-4937	133	9	phenomena	phenomenon	NOUN
easat-4937	133	10	involving	involve	VERB
easat-4937	133	11	human	human	ADJ
easat-4937	133	12	experiences	experience	NOUN
easat-4937	133	13	and	and	CCONJ
easat-4937	133	14	perspectives	perspective	NOUN
easat-4937	133	15	is	be	AUX
easat-4937	133	16	what	what	PRON
easat-4937	133	17	makes	make	VERB
easat-4937	133	18	it	it	PRON
easat-4937	133	19	unique	unique	ADJ
easat-4937	133	20	[	[	X
easat-4937	133	21	58	58	NUM
easat-4937	133	22	]	]	PUNCT
easat-4937	133	23	.	.	PUNCT
easat-4937	134	1	this	this	DET
easat-4937	134	2	approach	approach	NOUN
easat-4937	134	3	allows	allow	VERB
easat-4937	134	4	researchers	researcher	NOUN
easat-4937	134	5	to	to	PART
easat-4937	134	6	gain	gain	VERB
easat-4937	134	7	in	in	ADP
easat-4937	134	8	-	-	PUNCT
easat-4937	134	9	depth	depth	NOUN
easat-4937	134	10	insights	insight	NOUN
easat-4937	134	11	[	[	X
easat-4937	134	12	57	57	NUM
easat-4937	134	13	]	]	PUNCT
easat-4937	134	14	.	.	PUNCT
easat-4937	135	1	4.1	4.1	NUM
easat-4937	135	2	.	.	PUNCT
easat-4937	135	3	data	datum	NOUN
easat-4937	135	4	collection	collection	NOUN
easat-4937	135	5	those	those	PRON
easat-4937	135	6	who	who	PRON
easat-4937	135	7	have	have	AUX
easat-4937	135	8	been	be	AUX
easat-4937	135	9	actively	actively	ADV
easat-4937	135	10	involved	involve	VERB
easat-4937	135	11	in	in	ADP
easat-4937	135	12	p2p	p2p	NOUN
easat-4937	135	13	lending	lending	NOUN
easat-4937	135	14	investment	investment	NOUN
easat-4937	135	15	for	for	ADP
easat-4937	135	16	the	the	DET
easat-4937	135	17	past	past	ADJ
easat-4937	135	18	two	two	NUM
easat-4937	135	19	years	year	NOUN
easat-4937	135	20	are	be	AUX
easat-4937	135	21	qualified	qualified	ADJ
easat-4937	135	22	as	as	ADP
easat-4937	135	23	the	the	DET
easat-4937	135	24	respondents	respondent	NOUN
easat-4937	135	25	.	.	PUNCT
easat-4937	136	1	participants	participant	NOUN
easat-4937	136	2	were	be	AUX
easat-4937	136	3	initially	initially	ADV
easat-4937	136	4	recruited	recruit	VERB
easat-4937	136	5	through	through	ADP
easat-4937	136	6	personal	personal	ADJ
easat-4937	136	7	networks	network	NOUN
easat-4937	136	8	,	,	PUNCT
easat-4937	136	9	instagram	instagram	PROPN
easat-4937	136	10	,	,	PUNCT
easat-4937	136	11	and	and	CCONJ
easat-4937	136	12	telegram	telegram	NOUN
easat-4937	136	13	.	.	PUNCT
easat-4937	137	1	however	however	ADV
easat-4937	137	2	,	,	PUNCT
easat-4937	137	3	due	due	ADP
easat-4937	137	4	to	to	ADP
easat-4937	137	5	limited	limited	ADJ
easat-4937	137	6	response	response	NOUN
easat-4937	137	7	,	,	PUNCT
easat-4937	137	8	the	the	DET
easat-4937	137	9	snowball	snowball	NOUN
easat-4937	137	10	sampling	sampling	NOUN
easat-4937	137	11	method	method	NOUN
easat-4937	137	12	was	be	AUX
easat-4937	137	13	used	use	VERB
easat-4937	137	14	,	,	PUNCT
easat-4937	137	15	where	where	SCONJ
easat-4937	137	16	participants	participant	NOUN
easat-4937	137	17	recommended	recommend	VERB
easat-4937	137	18	other	other	ADJ
easat-4937	137	19	individuals	individual	NOUN
easat-4937	137	20	who	who	PRON
easat-4937	137	21	met	meet	VERB
easat-4937	137	22	the	the	DET
easat-4937	137	23	study	study	NOUN
easat-4937	137	24	criteria	criterion	NOUN
easat-4937	137	25	.	.	PUNCT
easat-4937	138	1	a	a	DET
easat-4937	138	2	total	total	NOUN
easat-4937	138	3	of	of	ADP
easat-4937	138	4	thirteen	thirteen	NUM
easat-4937	138	5	participants	participant	NOUN
easat-4937	138	6	participated	participate	VERB
easat-4937	138	7	in	in	ADP
easat-4937	138	8	this	this	DET
easat-4937	138	9	study	study	NOUN
easat-4937	138	10	.	.	PUNCT
easat-4937	139	1	while	while	SCONJ
easat-4937	139	2	the	the	DET
easat-4937	139	3	number	number	NOUN
easat-4937	139	4	of	of	ADP
easat-4937	139	5	participants	participant	NOUN
easat-4937	139	6	is	be	AUX
easat-4937	139	7	small	small	ADJ
easat-4937	139	8	,	,	PUNCT
easat-4937	139	9	it	it	PRON
easat-4937	139	10	includes	include	VERB
easat-4937	139	11	a	a	DET
easat-4937	139	12	diverse	diverse	ADJ
easat-4937	139	13	range	range	NOUN
easat-4937	139	14	of	of	ADP
easat-4937	139	15	respondents	respondent	NOUN
easat-4937	139	16	in	in	ADP
easat-4937	139	17	terms	term	NOUN
easat-4937	139	18	of	of	ADP
easat-4937	139	19	occupation	occupation	NOUN
easat-4937	139	20	and	and	CCONJ
easat-4937	139	21	age	age	NOUN
easat-4937	139	22	.	.	PUNCT
easat-4937	140	1	therefore	therefore	ADV
easat-4937	140	2	,	,	PUNCT
easat-4937	140	3	the	the	DET
easat-4937	140	4	maximum	maximum	ADJ
easat-4937	140	5	variation	variation	NOUN
easat-4937	140	6	sampling	sample	VERB
easat-4937	140	7	approach	approach	NOUN
easat-4937	140	8	was	be	AUX
easat-4937	140	9	used	use	VERB
easat-4937	140	10	to	to	PART
easat-4937	140	11	ensure	ensure	VERB
easat-4937	140	12	that	that	SCONJ
easat-4937	140	13	different	different	ADJ
easat-4937	140	14	perspectives	perspective	NOUN
easat-4937	140	15	on	on	ADP
easat-4937	140	16	p2p	p2p	NOUN
easat-4937	140	17	lending	lending	NOUN
easat-4937	140	18	investment	investment	NOUN
easat-4937	140	19	were	be	AUX
easat-4937	140	20	captured	capture	VERB
easat-4937	140	21	[	[	PUNCT
easat-4937	140	22	59	59	NUM
easat-4937	140	23	]	]	PUNCT
easat-4937	140	24	.	.	PUNCT
easat-4937	141	1	further	far	ADV
easat-4937	141	2	,	,	PUNCT
easat-4937	141	3	these	these	DET
easat-4937	141	4	respondents	respondent	NOUN
easat-4937	141	5	were	be	AUX
easat-4937	141	6	able	able	ADJ
easat-4937	141	7	to	to	PART
easat-4937	141	8	provide	provide	VERB
easat-4937	141	9	relevant	relevant	ADJ
easat-4937	141	10	and	and	CCONJ
easat-4937	141	11	useful	useful	ADJ
easat-4937	141	12	information	information	NOUN
easat-4937	141	13	for	for	ADP
easat-4937	141	14	the	the	DET
easat-4937	141	15	researchers	researcher	NOUN
easat-4937	141	16	to	to	PART
easat-4937	141	17	contruct	contruct	VERB
easat-4937	141	18	a	a	DET
easat-4937	141	19	comprehensive	comprehensive	ADJ
easat-4937	141	20	description	description	NOUN
easat-4937	141	21	of	of	ADP
easat-4937	141	22	the	the	DET
easat-4937	141	23	phenomenon	phenomenon	NOUN
easat-4937	141	24	[	[	X
easat-4937	141	25	60	60	NUM
easat-4937	141	26	]	]	PUNCT
easat-4937	141	27	.	.	PUNCT
easat-4937	142	1	appendix	appendix	NOUN
easat-4937	142	2	1	1	NUM
easat-4937	142	3	provides	provide	VERB
easat-4937	142	4	the	the	DET
easat-4937	142	5	profile	profile	NOUN
easat-4937	142	6	of	of	ADP
easat-4937	142	7	the	the	DET
easat-4937	142	8	respondents	respondent	NOUN
easat-4937	142	9	.	.	PUNCT
easat-4937	143	1	to	to	PART
easat-4937	143	2	capture	capture	VERB
easat-4937	143	3	the	the	DET
easat-4937	143	4	respondents	respondent	NOUN
easat-4937	143	5	’	’	PART
easat-4937	143	6	experiences	experience	NOUN
easat-4937	143	7	and	and	CCONJ
easat-4937	143	8	perspectives	perspective	NOUN
easat-4937	143	9	,	,	PUNCT
easat-4937	143	10	this	this	DET
easat-4937	143	11	study	study	NOUN
easat-4937	143	12	used	use	VERB
easat-4937	143	13	semi	semi	ADJ
easat-4937	143	14	-	-	ADJ
easat-4937	143	15	structured	structured	ADJ
easat-4937	143	16	interviews	interview	NOUN
easat-4937	143	17	via	via	ADP
easat-4937	143	18	zoom	zoom	NOUN
easat-4937	143	19	teleconferencing	teleconferencing	NOUN
easat-4937	143	20	.	.	PUNCT
easat-4937	144	1	semi	semi	ADJ
easat-4937	144	2	-	-	ADJ
easat-4937	144	3	structured	structured	ADJ
easat-4937	144	4	interviews	interview	NOUN
easat-4937	144	5	were	be	AUX
easat-4937	144	6	employed	employ	VERB
easat-4937	144	7	as	as	SCONJ
easat-4937	144	8	it	it	PRON
easat-4937	144	9	allows	allow	VERB
easat-4937	144	10	flexibility	flexibility	NOUN
easat-4937	144	11	to	to	PART
easat-4937	144	12	explore	explore	VERB
easat-4937	144	13	their	their	PRON
easat-4937	144	14	experiences	experience	NOUN
easat-4937	144	15	and	and	CCONJ
easat-4937	144	16	perspectives	perspective	NOUN
easat-4937	144	17	in	in	ADP
easat-4937	144	18	depth	depth	NOUN
easat-4937	144	19	[	[	X
easat-4937	144	20	61	61	NUM
easat-4937	144	21	]	]	PUNCT
easat-4937	144	22	.	.	PUNCT
easat-4937	145	1	additionally	additionally	ADV
easat-4937	145	2	,	,	PUNCT
easat-4937	145	3	zoom	zoom	VERB
easat-4937	145	4	teleconferencing	teleconferencing	NOUN
easat-4937	145	5	offered	offer	VERB
easat-4937	145	6	a	a	DET
easat-4937	145	7	more	more	ADV
easat-4937	145	8	convenient	convenient	ADJ
easat-4937	145	9	and	and	CCONJ
easat-4937	145	10	secure	secure	ADJ
easat-4937	145	11	method	method	NOUN
easat-4937	145	12	[	[	X
easat-4937	145	13	62	62	NUM
easat-4937	145	14	]	]	PUNCT
easat-4937	145	15	particularly	particularly	ADV
easat-4937	145	16	since	since	SCONJ
easat-4937	145	17	some	some	DET
easat-4937	145	18	respondents	respondent	NOUN
easat-4937	145	19	were	be	AUX
easat-4937	145	20	not	not	PART
easat-4937	145	21	personally	personally	ADV
easat-4937	145	22	acquainted	acquaint	VERB
easat-4937	145	23	with	with	ADP
easat-4937	145	24	the	the	DET
easat-4937	145	25	researchers	researcher	NOUN
easat-4937	145	26	.	.	PUNCT
easat-4937	146	1	after	after	ADP
easat-4937	146	2	each	each	DET
easat-4937	146	3	interview	interview	NOUN
easat-4937	146	4	,	,	PUNCT
easat-4937	146	5	the	the	DET
easat-4937	146	6	authors	author	NOUN
easat-4937	146	7	engaged	engage	VERB
easat-4937	146	8	in	in	ADP
easat-4937	146	9	reflective	reflective	ADJ
easat-4937	146	10	discussions	discussion	NOUN
easat-4937	146	11	and	and	CCONJ
easat-4937	146	12	documented	document	VERB
easat-4937	146	13	their	their	PRON
easat-4937	146	14	initial	initial	ADJ
easat-4937	146	15	insights	insight	NOUN
easat-4937	146	16	.	.	PUNCT
easat-4937	147	1	once	once	ADV
easat-4937	147	2	all	all	DET
easat-4937	147	3	interviews	interview	NOUN
easat-4937	147	4	were	be	AUX
easat-4937	147	5	completed	complete	VERB
easat-4937	147	6	,	,	PUNCT
easat-4937	147	7	a	a	DET
easat-4937	147	8	more	more	ADV
easat-4937	147	9	comprehensive	comprehensive	ADJ
easat-4937	147	10	and	and	CCONJ
easat-4937	147	11	systematic	systematic	ADJ
easat-4937	147	12	data	datum	NOUN
easat-4937	147	13	analysis	analysis	NOUN
easat-4937	147	14	was	be	AUX
easat-4937	147	15	conducted	conduct	VERB
easat-4937	147	16	.	.	PUNCT
easat-4937	148	1	1843	1843	NUM
easat-4937	148	2	edelweiss	edelweiss	PROPN
easat-4937	148	3	applied	apply	VERB
easat-4937	148	4	science	science	NOUN
easat-4937	148	5	and	and	CCONJ
easat-4937	148	6	technology	technology	NOUN
easat-4937	148	7	issn	issn	PROPN
easat-4937	148	8	:	:	PUNCT
easat-4937	148	9	2576	2576	NUM
easat-4937	148	10	-	-	SYM
easat-4937	148	11	8484	8484	NUM
easat-4937	148	12	vol	vol	NOUN
easat-4937	148	13	.	.	PROPN
easat-4937	149	1	9	9	NUM
easat-4937	149	2	,	,	PUNCT
easat-4937	149	3	no	no	INTJ
easat-4937	149	4	.	.	NOUN
easat-4937	149	5	2	2	NUM
easat-4937	149	6	:	:	SYM
easat-4937	149	7	1839	1839	NUM
easat-4937	149	8	-	-	SYM
easat-4937	149	9	1851	1851	NUM
easat-4937	149	10	,	,	PUNCT
easat-4937	149	11	2025	2025	NUM
easat-4937	149	12	doi	doi	NOUN
easat-4937	149	13	:	:	PUNCT
easat-4937	149	14	10.55214/25768484.v9i2.4937	10.55214/25768484.v9i2.4937	NUM
easat-4937	149	15	©	©	PROPN
easat-4937	149	16	2025	2025	NUM
easat-4937	149	17	by	by	ADP
easat-4937	149	18	the	the	DET
easat-4937	149	19	authors	author	NOUN
easat-4937	149	20	;	;	PUNCT
easat-4937	149	21	licensee	licensee	PROPN
easat-4937	149	22	learning	learning	NOUN
easat-4937	149	23	gate	gate	VERB
easat-4937	149	24	4.2	4.2	NUM
easat-4937	149	25	.	.	PUNCT
easat-4937	150	1	data	datum	NOUN
easat-4937	150	2	analysis	analysis	NOUN
easat-4937	150	3	all	all	DET
easat-4937	150	4	interviews	interview	NOUN
easat-4937	150	5	were	be	AUX
easat-4937	150	6	transcribed	transcribe	VERB
easat-4937	150	7	verbatim	verbatim	ADJ
easat-4937	150	8	to	to	PART
easat-4937	150	9	ensure	ensure	VERB
easat-4937	150	10	accuracy	accuracy	NOUN
easat-4937	150	11	and	and	CCONJ
easat-4937	150	12	preserve	preserve	VERB
easat-4937	150	13	the	the	DET
easat-4937	150	14	richness	richness	NOUN
easat-4937	150	15	of	of	ADP
easat-4937	150	16	the	the	DET
easat-4937	150	17	data	datum	NOUN
easat-4937	150	18	.	.	PUNCT
easat-4937	151	1	this	this	DET
easat-4937	151	2	study	study	NOUN
easat-4937	151	3	followed	follow	VERB
easat-4937	151	4	the	the	DET
easat-4937	151	5	data	datum	NOUN
easat-4937	151	6	analysis	analysis	NOUN
easat-4937	151	7	recommended	recommend	VERB
easat-4937	151	8	by	by	ADP
easat-4937	151	9	braun	braun	NOUN
easat-4937	151	10	and	and	CCONJ
easat-4937	151	11	clarke	clarke	PROPN
easat-4937	151	12	[	[	X
easat-4937	151	13	63	63	NUM
easat-4937	151	14	]	]	PUNCT
easat-4937	151	15	.	.	PUNCT
easat-4937	152	1	it	it	PRON
easat-4937	152	2	started	start	VERB
easat-4937	152	3	by	by	ADP
easat-4937	152	4	both	both	DET
easat-4937	152	5	researchers	researcher	NOUN
easat-4937	152	6	reading	read	VERB
easat-4937	152	7	each	each	DET
easat-4937	152	8	interview	interview	NOUN
easat-4937	152	9	transcript	transcript	NOUN
easat-4937	152	10	to	to	PART
easat-4937	152	11	ensure	ensure	VERB
easat-4937	152	12	its	its	PRON
easat-4937	152	13	accuracy	accuracy	NOUN
easat-4937	152	14	and	and	CCONJ
easat-4937	152	15	by	by	ADP
easat-4937	152	16	way	way	NOUN
easat-4937	152	17	to	to	PART
easat-4937	152	18	immerse	immerse	VERB
easat-4937	152	19	in	in	ADP
easat-4937	152	20	the	the	DET
easat-4937	152	21	data	datum	NOUN
easat-4937	152	22	.	.	PUNCT
easat-4937	153	1	next	next	ADV
easat-4937	153	2	,	,	PUNCT
easat-4937	153	3	the	the	DET
easat-4937	153	4	researchers	researcher	NOUN
easat-4937	153	5	examine	examine	VERB
easat-4937	153	6	each	each	DET
easat-4937	153	7	interview	interview	NOUN
easat-4937	153	8	in	in	ADP
easat-4937	153	9	detail	detail	NOUN
easat-4937	153	10	and	and	CCONJ
easat-4937	153	11	connect	connect	VERB
easat-4937	153	12	the	the	DET
easat-4937	153	13	findings	finding	NOUN
easat-4937	153	14	across	across	ADP
easat-4937	153	15	different	different	ADJ
easat-4937	153	16	respondents	respondent	NOUN
easat-4937	153	17	.	.	PUNCT
easat-4937	154	1	the	the	DET
easat-4937	154	2	analysis	analysis	NOUN
easat-4937	154	3	followed	follow	VERB
easat-4937	154	4	a	a	DET
easat-4937	154	5	deductive	deductive	ADJ
easat-4937	154	6	approach	approach	NOUN
easat-4937	154	7	,	,	PUNCT
easat-4937	154	8	using	use	VERB
easat-4937	154	9	the	the	DET
easat-4937	154	10	tpb	tpb	NOUN
easat-4937	154	11	as	as	ADP
easat-4937	154	12	the	the	DET
easat-4937	154	13	guiding	guiding	NOUN
easat-4937	154	14	framework	framework	NOUN
easat-4937	154	15	.	.	PUNCT
easat-4937	155	1	throughout	throughout	ADP
easat-4937	155	2	the	the	DET
easat-4937	155	3	analysis	analysis	NOUN
easat-4937	155	4	,	,	PUNCT
easat-4937	155	5	the	the	DET
easat-4937	155	6	researchers	researcher	NOUN
easat-4937	155	7	continuously	continuously	ADV
easat-4937	155	8	refined	refine	VERB
easat-4937	155	9	emerging	emerge	VERB
easat-4937	155	10	themes	theme	NOUN
easat-4937	155	11	through	through	ADP
easat-4937	155	12	iterative	iterative	NOUN
easat-4937	155	13	discussions	discussion	NOUN
easat-4937	155	14	and	and	CCONJ
easat-4937	155	15	consulted	consult	VERB
easat-4937	155	16	relevant	relevant	ADJ
easat-4937	155	17	literature	literature	NOUN
easat-4937	155	18	to	to	PART
easat-4937	155	19	ensure	ensure	VERB
easat-4937	155	20	theoretical	theoretical	ADJ
easat-4937	155	21	alignment	alignment	NOUN
easat-4937	155	22	and	and	CCONJ
easat-4937	155	23	robustness	robustness	NOUN
easat-4937	155	24	.	.	PUNCT
easat-4937	156	1	after	after	ADP
easat-4937	156	2	several	several	ADJ
easat-4937	156	3	iteration	iteration	NOUN
easat-4937	156	4	,	,	PUNCT
easat-4937	156	5	the	the	DET
easat-4937	156	6	researchers	researcher	NOUN
easat-4937	156	7	finalized	finalize	VERB
easat-4937	156	8	the	the	DET
easat-4937	156	9	findings	finding	NOUN
easat-4937	156	10	and	and	CCONJ
easat-4937	156	11	wrote	write	VERB
easat-4937	156	12	the	the	DET
easat-4937	156	13	report	report	NOUN
easat-4937	156	14	.	.	PUNCT
easat-4937	157	1	to	to	PART
easat-4937	157	2	facilitate	facilitate	VERB
easat-4937	157	3	the	the	DET
easat-4937	157	4	identification	identification	NOUN
easat-4937	157	5	of	of	ADP
easat-4937	157	6	patterns	pattern	NOUN
easat-4937	157	7	within	within	ADP
easat-4937	157	8	the	the	DET
easat-4937	157	9	interviews	interview	NOUN
easat-4937	157	10	,	,	PUNCT
easat-4937	157	11	the	the	DET
easat-4937	157	12	researcher	researcher	NOUN
easat-4937	157	13	utilizes	utilize	VERB
easat-4937	157	14	nvivo	nvivo	ADJ
easat-4937	157	15	software	software	NOUN
easat-4937	157	16	.	.	PUNCT
easat-4937	158	1	4.3	4.3	NUM
easat-4937	158	2	.	.	PUNCT
easat-4937	159	1	ethical	ethical	ADJ
easat-4937	159	2	considerations	consideration	NOUN
easat-4937	159	3	in	in	ADP
easat-4937	159	4	indonesia	indonesia	PROPN
easat-4937	159	5	,	,	PUNCT
easat-4937	159	6	there	there	PRON
easat-4937	159	7	is	be	VERB
easat-4937	159	8	no	no	DET
easat-4937	159	9	law	law	NOUN
easat-4937	159	10	regarding	regard	VERB
easat-4937	159	11	ethical	ethical	ADJ
easat-4937	159	12	procedures	procedure	NOUN
easat-4937	159	13	in	in	ADP
easat-4937	159	14	research	research	NOUN
easat-4937	159	15	.	.	PUNCT
easat-4937	160	1	nevertheless	nevertheless	ADV
easat-4937	160	2	,	,	PUNCT
easat-4937	160	3	the	the	DET
easat-4937	160	4	authors	author	NOUN
easat-4937	160	5	adhered	adhere	VERB
easat-4937	160	6	to	to	ADP
easat-4937	160	7	qualitative	qualitative	ADJ
easat-4937	160	8	ethical	ethical	ADJ
easat-4937	160	9	principles	principle	NOUN
easat-4937	160	10	as	as	ADV
easat-4937	160	11	much	much	ADV
easat-4937	160	12	as	as	ADP
easat-4937	160	13	possible	possible	ADJ
easat-4937	160	14	.	.	PUNCT
easat-4937	161	1	to	to	PART
easat-4937	161	2	ensure	ensure	VERB
easat-4937	161	3	the	the	DET
easat-4937	161	4	study	study	NOUN
easat-4937	161	5	's	's	PART
easat-4937	161	6	rigor	rigor	NOUN
easat-4937	161	7	,	,	PUNCT
easat-4937	161	8	one	one	NUM
easat-4937	161	9	of	of	ADP
easat-4937	161	10	the	the	DET
easat-4937	161	11	researchers	researcher	NOUN
easat-4937	161	12	,	,	PUNCT
easat-4937	161	13	who	who	PRON
easat-4937	161	14	has	have	VERB
easat-4937	161	15	extensive	extensive	ADJ
easat-4937	161	16	experience	experience	NOUN
easat-4937	161	17	in	in	ADP
easat-4937	161	18	qualitative	qualitative	ADJ
easat-4937	161	19	research	research	NOUN
easat-4937	161	20	,	,	PUNCT
easat-4937	161	21	acted	act	VERB
easat-4937	161	22	as	as	ADP
easat-4937	161	23	the	the	DET
easat-4937	161	24	study	study	NOUN
easat-4937	161	25	's	's	PART
easat-4937	161	26	supervisor	supervisor	NOUN
easat-4937	161	27	.	.	PUNCT
easat-4937	162	1	the	the	DET
easat-4937	162	2	experienced	experienced	ADJ
easat-4937	162	3	researcher	researcher	NOUN
easat-4937	162	4	then	then	ADV
easat-4937	162	5	drafted	draft	VERB
easat-4937	162	6	the	the	DET
easat-4937	162	7	consent	consent	NOUN
easat-4937	162	8	letter	letter	NOUN
easat-4937	162	9	provided	provide	VERB
easat-4937	162	10	to	to	ADP
easat-4937	162	11	the	the	DET
easat-4937	162	12	respondents	respondent	NOUN
easat-4937	162	13	.	.	PUNCT
easat-4937	163	1	before	before	ADP
easat-4937	163	2	conducting	conduct	VERB
easat-4937	163	3	the	the	DET
easat-4937	163	4	interviews	interview	NOUN
easat-4937	163	5	,	,	PUNCT
easat-4937	163	6	all	all	DET
easat-4937	163	7	respondents	respondent	NOUN
easat-4937	163	8	were	be	AUX
easat-4937	163	9	thoroughly	thoroughly	ADV
easat-4937	163	10	informed	inform	VERB
easat-4937	163	11	about	about	ADP
easat-4937	163	12	the	the	DET
easat-4937	163	13	purpose	purpose	NOUN
easat-4937	163	14	of	of	ADP
easat-4937	163	15	the	the	DET
easat-4937	163	16	study	study	NOUN
easat-4937	163	17	,	,	PUNCT
easat-4937	163	18	the	the	DET
easat-4937	163	19	measures	measure	NOUN
easat-4937	163	20	to	to	PART
easat-4937	163	21	ensure	ensure	VERB
easat-4937	163	22	the	the	DET
easat-4937	163	23	anonymity	anonymity	NOUN
easat-4937	163	24	and	and	CCONJ
easat-4937	163	25	confidentiality	confidentiality	NOUN
easat-4937	163	26	of	of	ADP
easat-4937	163	27	their	their	PRON
easat-4937	163	28	identities	identity	NOUN
easat-4937	163	29	,	,	PUNCT
easat-4937	163	30	their	their	PRON
easat-4937	163	31	right	right	NOUN
easat-4937	163	32	to	to	PART
easat-4937	163	33	withdraw	withdraw	VERB
easat-4937	163	34	at	at	ADP
easat-4937	163	35	any	any	DET
easat-4937	163	36	time	time	NOUN
easat-4937	163	37	,	,	PUNCT
easat-4937	163	38	and	and	CCONJ
easat-4937	163	39	their	their	PRON
easat-4937	163	40	consent	consent	NOUN
easat-4937	163	41	to	to	PART
easat-4937	163	42	have	have	AUX
easat-4937	163	43	the	the	DET
easat-4937	163	44	conversations	conversation	NOUN
easat-4937	163	45	recorded	record	VERB
easat-4937	163	46	.	.	PUNCT
easat-4937	164	1	5	5	X
easat-4937	164	2	.	.	X
easat-4937	164	3	results	result	NOUN
easat-4937	164	4	and	and	CCONJ
easat-4937	164	5	discussion	discussion	NOUN
easat-4937	164	6	5.1	5.1	NUM
easat-4937	164	7	.	.	PUNCT
easat-4937	165	1	lenders	lender	NOUN
easat-4937	165	2	attitudes	attitude	NOUN
easat-4937	165	3	toward	toward	ADP
easat-4937	165	4	p2p	p2p	NOUN
easat-4937	165	5	lending	lend	VERB
easat-4937	165	6	nearly	nearly	ADV
easat-4937	165	7	all	all	PRON
easat-4937	165	8	respondents	respondent	NOUN
easat-4937	165	9	agreed	agree	VERB
easat-4937	165	10	that	that	SCONJ
easat-4937	165	11	p2p	p2p	NOUN
easat-4937	165	12	lending	lending	NOUN
easat-4937	165	13	offers	offer	VERB
easat-4937	165	14	relatively	relatively	ADV
easat-4937	165	15	a	a	DET
easat-4937	165	16	higher	high	ADJ
easat-4937	165	17	return	return	NOUN
easat-4937	165	18	,	,	PUNCT
easat-4937	165	19	which	which	PRON
easat-4937	165	20	was	be	AUX
easat-4937	165	21	the	the	DET
easat-4937	165	22	primary	primary	ADJ
easat-4937	165	23	motivator	motivator	NOUN
easat-4937	165	24	for	for	ADP
easat-4937	165	25	their	their	PRON
easat-4937	165	26	investments	investment	NOUN
easat-4937	165	27	in	in	ADP
easat-4937	165	28	this	this	DET
easat-4937	165	29	platform	platform	NOUN
easat-4937	165	30	.	.	PUNCT
easat-4937	166	1	“	"	PUNCT
easat-4937	166	2	i	i	PRON
easat-4937	166	3	want	want	VERB
easat-4937	166	4	to	to	PART
easat-4937	166	5	become	become	VERB
easat-4937	166	6	a	a	DET
easat-4937	166	7	lender	lender	NOUN
easat-4937	166	8	because	because	SCONJ
easat-4937	166	9	the	the	DET
easat-4937	166	10	interest	interest	NOUN
easat-4937	166	11	rates	rate	NOUN
easat-4937	166	12	are	be	AUX
easat-4937	166	13	high	high	ADJ
easat-4937	166	14	,	,	PUNCT
easat-4937	166	15	this	this	PRON
easat-4937	166	16	is	be	AUX
easat-4937	166	17	for	for	ADP
easat-4937	166	18	sure	sure	ADJ
easat-4937	166	19	”	"	PUNCT
easat-4937	166	20	(	(	PUNCT
easat-4937	166	21	respondents_01	respondents_01	NOUN
easat-4937	166	22	)	)	PUNCT
easat-4937	166	23	several	several	ADJ
easat-4937	166	24	respondents	respondent	NOUN
easat-4937	166	25	further	far	ADV
easat-4937	166	26	compared	compare	VERB
easat-4937	166	27	the	the	DET
easat-4937	166	28	return	return	NOUN
easat-4937	166	29	of	of	ADP
easat-4937	166	30	p2p	p2p	NOUN
easat-4937	166	31	lending	lend	VERB
easat-4937	166	32	with	with	ADP
easat-4937	166	33	other	other	ADJ
easat-4937	166	34	types	type	NOUN
easat-4937	166	35	of	of	ADP
easat-4937	166	36	investment	investment	NOUN
easat-4937	166	37	.	.	PUNCT
easat-4937	167	1	“	"	PUNCT
easat-4937	167	2	p2p	p2p	NOUN
easat-4937	167	3	lending	lending	NOUN
easat-4937	167	4	offers	offer	VERB
easat-4937	167	5	higher	high	ADJ
easat-4937	167	6	interest	interest	NOUN
easat-4937	167	7	rates	rate	NOUN
easat-4937	167	8	compared	compare	VERB
easat-4937	167	9	to	to	ADP
easat-4937	167	10	other	other	ADJ
easat-4937	167	11	financial	financial	ADJ
easat-4937	167	12	instruments	instrument	NOUN
easat-4937	167	13	,	,	PUNCT
easat-4937	167	14	such	such	ADJ
easat-4937	167	15	as	as	ADP
easat-4937	167	16	bonds	bond	NOUN
easat-4937	167	17	,	,	PUNCT
easat-4937	167	18	which	which	PRON
easat-4937	167	19	typically	typically	ADV
easat-4937	167	20	provide	provide	VERB
easat-4937	167	21	lower	low	ADJ
easat-4937	167	22	returns	return	NOUN
easat-4937	167	23	.	.	PUNCT
easat-4937	167	24	”	"	PUNCT
easat-4937	168	1	(	(	PUNCT
easat-4937	168	2	respondent_07	respondent_07	CCONJ
easat-4937	168	3	)	)	PUNCT
easat-4937	168	4	the	the	DET
easat-4937	168	5	above	above	ADJ
easat-4937	168	6	findings	finding	NOUN
easat-4937	168	7	confirm	confirm	VERB
easat-4937	168	8	prior	prior	ADJ
easat-4937	168	9	studies	study	NOUN
easat-4937	168	10	that	that	PRON
easat-4937	168	11	demonstrate	demonstrate	VERB
easat-4937	168	12	p2p	p2p	NOUN
easat-4937	168	13	lending	lending	NOUN
easat-4937	168	14	attracts	attract	VERB
easat-4937	168	15	a	a	DET
easat-4937	168	16	lot	lot	NOUN
easat-4937	168	17	of	of	ADP
easat-4937	168	18	investors	investor	NOUN
easat-4937	168	19	due	due	ADP
easat-4937	168	20	to	to	ADP
easat-4937	168	21	its	its	PRON
easat-4937	168	22	high	high	ADJ
easat-4937	168	23	return	return	NOUN
easat-4937	168	24	[	[	X
easat-4937	168	25	15	15	NUM
easat-4937	168	26	,	,	PUNCT
easat-4937	168	27	16	16	NUM
easat-4937	168	28	,	,	PUNCT
easat-4937	168	29	21	21	NUM
easat-4937	168	30	]	]	PUNCT
easat-4937	168	31	.	.	PUNCT
easat-4937	169	1	however	however	ADV
easat-4937	169	2	,	,	PUNCT
easat-4937	169	3	this	this	DET
easat-4937	169	4	study	study	NOUN
easat-4937	169	5	further	far	ADV
easat-4937	169	6	suggests	suggest	VERB
easat-4937	169	7	that	that	SCONJ
easat-4937	169	8	such	such	ADJ
easat-4937	169	9	investment	investment	NOUN
easat-4937	169	10	behavior	behavior	NOUN
easat-4937	169	11	reflects	reflect	VERB
easat-4937	169	12	opportunistic	opportunistic	ADJ
easat-4937	169	13	decision	decision	NOUN
easat-4937	169	14	-	-	PUNCT
easat-4937	169	15	making	making	NOUN
easat-4937	169	16	,	,	PUNCT
easat-4937	169	17	where	where	SCONJ
easat-4937	169	18	investors	investor	NOUN
easat-4937	169	19	actively	actively	ADV
easat-4937	169	20	seek	seek	VERB
easat-4937	169	21	financial	financial	ADJ
easat-4937	169	22	opportunities	opportunity	NOUN
easat-4937	169	23	that	that	PRON
easat-4937	169	24	maximize	maximize	VERB
easat-4937	169	25	potential	potential	ADJ
easat-4937	169	26	gains	gain	NOUN
easat-4937	169	27	.	.	PUNCT
easat-4937	170	1	“	"	PUNCT
easat-4937	170	2	i	i	PRON
easat-4937	170	3	think	think	VERB
easat-4937	170	4	as	as	SCONJ
easat-4937	170	5	i	i	PRON
easat-4937	170	6	am	be	AUX
easat-4937	170	7	still	still	ADV
easat-4937	170	8	young	young	ADJ
easat-4937	170	9	,	,	PUNCT
easat-4937	170	10	i	i	PRON
easat-4937	170	11	need	need	VERB
easat-4937	170	12	to	to	PART
easat-4937	170	13	look	look	VERB
easat-4937	170	14	for	for	ADP
easat-4937	170	15	opportunities	opportunity	NOUN
easat-4937	170	16	where	where	SCONJ
easat-4937	170	17	i	i	PRON
easat-4937	170	18	can	can	AUX
easat-4937	170	19	place	place	VERB
easat-4937	170	20	my	my	PRON
easat-4937	170	21	investments	investment	NOUN
easat-4937	170	22	where	where	SCONJ
easat-4937	170	23	it	it	PRON
easat-4937	170	24	can	can	AUX
easat-4937	170	25	grow	grow	VERB
easat-4937	170	26	faster	fast	ADV
easat-4937	170	27	”	"	PUNCT
easat-4937	170	28	(	(	PUNCT
easat-4937	170	29	respondent_03	respondent_03	ADJ
easat-4937	170	30	)	)	PUNCT
easat-4937	170	31	unlike	unlike	ADP
easat-4937	170	32	traditional	traditional	ADJ
easat-4937	170	33	notion	notion	NOUN
easat-4937	170	34	of	of	ADP
easat-4937	170	35	opportunism	opportunism	NOUN
easat-4937	170	36	that	that	PRON
easat-4937	170	37	involve	involve	VERB
easat-4937	170	38	deception	deception	NOUN
easat-4937	170	39	zhang	zhang	PROPN
easat-4937	170	40	,	,	PUNCT
easat-4937	170	41	et	et	PROPN
easat-4937	170	42	al	al	PROPN
easat-4937	170	43	.	.	PUNCT
easat-4937	171	1	[	[	X
easat-4937	171	2	20	20	NUM
easat-4937	171	3	]	]	PUNCT
easat-4937	171	4	respondents	respondent	NOUN
easat-4937	171	5	did	do	AUX
easat-4937	171	6	not	not	PART
easat-4937	171	7	perceive	perceive	VERB
easat-4937	171	8	their	their	PRON
easat-4937	171	9	investment	investment	NOUN
easat-4937	171	10	approach	approach	NOUN
easat-4937	171	11	as	as	ADP
easat-4937	171	12	exploitative	exploitative	ADJ
easat-4937	171	13	.	.	PUNCT
easat-4937	172	1	instead	instead	ADV
easat-4937	172	2	,	,	PUNCT
easat-4937	172	3	they	they	PRON
easat-4937	172	4	viewed	view	VERB
easat-4937	172	5	p2p	p2p	NOUN
easat-4937	172	6	lending	lending	NOUN
easat-4937	172	7	as	as	ADP
easat-4937	172	8	a	a	DET
easat-4937	172	9	mutually	mutually	ADV
easat-4937	172	10	beneficial	beneficial	ADJ
easat-4937	172	11	mechanism	mechanism	NOUN
easat-4937	172	12	,	,	PUNCT
easat-4937	172	13	allowing	allow	VERB
easat-4937	172	14	them	they	PRON
easat-4937	172	15	to	to	PART
easat-4937	172	16	support	support	VERB
easat-4937	172	17	business	business	NOUN
easat-4937	172	18	owners	owner	NOUN
easat-4937	172	19	while	while	SCONJ
easat-4937	172	20	simultaneously	simultaneously	ADV
easat-4937	172	21	receiving	receive	VERB
easat-4937	172	22	financial	financial	ADJ
easat-4937	172	23	rewards	reward	NOUN
easat-4937	172	24	and	and	CCONJ
easat-4937	172	25	even	even	ADV
easat-4937	172	26	spiritual	spiritual	ADJ
easat-4937	172	27	fulfillment	fulfillment	NOUN
easat-4937	172	28	.	.	PUNCT
easat-4937	173	1	“	"	PUNCT
easat-4937	173	2	in	in	ADP
easat-4937	173	3	placing	place	VERB
easat-4937	173	4	our	our	PRON
easat-4937	173	5	funds	fund	NOUN
easat-4937	173	6	,	,	PUNCT
easat-4937	173	7	we	we	PRON
easat-4937	173	8	can	can	AUX
easat-4937	173	9	also	also	ADV
easat-4937	173	10	be	be	AUX
easat-4937	173	11	beneficial	beneficial	ADJ
easat-4937	173	12	by	by	ADP
easat-4937	173	13	helping	help	VERB
easat-4937	173	14	others	other	NOUN
easat-4937	173	15	in	in	ADP
easat-4937	173	16	their	their	PRON
easat-4937	173	17	business	business	NOUN
easat-4937	173	18	endeavors	endeavor	NOUN
easat-4937	173	19	.	.	PUNCT
easat-4937	174	1	if	if	SCONJ
easat-4937	174	2	their	their	PRON
easat-4937	174	3	efforts	effort	NOUN
easat-4937	174	4	are	be	AUX
easat-4937	174	5	productive	productive	ADJ
easat-4937	174	6	and	and	CCONJ
easat-4937	174	7	continue	continue	VERB
easat-4937	174	8	to	to	PART
easat-4937	174	9	grow	grow	VERB
easat-4937	174	10	,	,	PUNCT
easat-4937	174	11	there	there	PRON
easat-4937	174	12	is	be	VERB
easat-4937	174	13	a	a	DET
easat-4937	174	14	sense	sense	NOUN
easat-4937	174	15	of	of	ADP
easat-4937	174	16	blessing	blessing	NOUN
easat-4937	174	17	in	in	ADP
easat-4937	174	18	that	that	PRON
easat-4937	174	19	”	"	PUNCT
easat-4937	174	20	(	(	PUNCT
easat-4937	174	21	respondent_11	respondent_11	NOUN
easat-4937	174	22	)	)	PUNCT
easat-4937	174	23	prior	prior	ADJ
easat-4937	174	24	research	research	NOUN
easat-4937	174	25	suggests	suggest	VERB
easat-4937	174	26	that	that	SCONJ
easat-4937	174	27	lenders	lender	NOUN
easat-4937	174	28	in	in	ADP
easat-4937	174	29	p2p	p2p	NOUN
easat-4937	174	30	lending	lending	NOUN
easat-4937	174	31	platforms	platform	NOUN
easat-4937	174	32	may	may	AUX
easat-4937	174	33	be	be	AUX
easat-4937	174	34	driven	drive	VERB
easat-4937	174	35	not	not	PART
easat-4937	174	36	only	only	ADV
easat-4937	174	37	by	by	ADP
easat-4937	174	38	financial	financial	ADJ
easat-4937	174	39	incentives	incentive	NOUN
easat-4937	174	40	but	but	CCONJ
easat-4937	174	41	also	also	ADV
easat-4937	174	42	by	by	ADP
easat-4937	174	43	emotional	emotional	ADJ
easat-4937	174	44	satisfaction	satisfaction	NOUN
easat-4937	174	45	,	,	PUNCT
easat-4937	174	46	social	social	ADJ
easat-4937	174	47	connections	connection	NOUN
easat-4937	174	48	,	,	PUNCT
easat-4937	174	49	and	and	CCONJ
easat-4937	174	50	a	a	DET
easat-4937	174	51	sense	sense	NOUN
easat-4937	174	52	of	of	ADP
easat-4937	174	53	purpose	purpose	NOUN
easat-4937	174	54	[	[	X
easat-4937	174	55	24	24	NUM
easat-4937	174	56	]	]	PUNCT
easat-4937	174	57	.	.	PUNCT
easat-4937	175	1	this	this	DET
easat-4937	175	2	study	study	NOUN
easat-4937	175	3	’s	’s	PART
easat-4937	175	4	findings	finding	NOUN
easat-4937	175	5	further	far	ADV
easat-4937	175	6	reflect	reflect	VERB
easat-4937	175	7	a	a	DET
easat-4937	175	8	broader	broad	ADJ
easat-4937	175	9	shift	shift	NOUN
easat-4937	175	10	in	in	ADP
easat-4937	175	11	investment	investment	NOUN
easat-4937	175	12	behavior	behavior	NOUN
easat-4937	175	13	,	,	PUNCT
easat-4937	175	14	where	where	SCONJ
easat-4937	175	15	financial	financial	ADJ
easat-4937	175	16	gains	gain	NOUN
easat-4937	175	17	are	be	AUX
easat-4937	175	18	intertwined	intertwine	VERB
easat-4937	175	19	with	with	ADP
easat-4937	175	20	social	social	ADJ
easat-4937	175	21	impact	impact	NOUN
easat-4937	175	22	and	and	CCONJ
easat-4937	175	23	personal	personal	ADJ
easat-4937	175	24	fulfillment	fulfillment	NOUN
easat-4937	175	25	.	.	PUNCT
easat-4937	176	1	another	another	DET
easat-4937	176	2	motivator	motivator	NOUN
easat-4937	176	3	for	for	ADP
easat-4937	176	4	investing	invest	VERB
easat-4937	176	5	in	in	ADP
easat-4937	176	6	p2p	p2p	NOUN
easat-4937	176	7	lending	lending	NOUN
easat-4937	176	8	is	be	AUX
easat-4937	176	9	portfolio	portfolio	NOUN
easat-4937	176	10	diversification	diversification	NOUN
easat-4937	176	11	.	.	PUNCT
easat-4937	177	1	“	"	PUNCT
easat-4937	177	2	i	i	PRON
easat-4937	177	3	invest	invest	VERB
easat-4937	177	4	in	in	ADP
easat-4937	177	5	p2p	p2p	NOUN
easat-4937	177	6	lending	lend	VERB
easat-4937	177	7	to	to	PART
easat-4937	177	8	diversify	diversify	VERB
easat-4937	177	9	my	my	PRON
easat-4937	177	10	investment	investment	NOUN
easat-4937	177	11	”	"	PUNCT
easat-4937	177	12	(	(	PUNCT
easat-4937	177	13	respondent_02	respondent_02	PROPN
easat-4937	177	14	)	)	PUNCT
easat-4937	177	15	respondents	respondent	NOUN
easat-4937	177	16	provided	provide	VERB
easat-4937	177	17	two	two	NUM
easat-4937	177	18	major	major	ADJ
easat-4937	177	19	reasons	reason	NOUN
easat-4937	177	20	for	for	ADP
easat-4937	177	21	diversifying	diversify	VERB
easat-4937	177	22	their	their	PRON
easat-4937	177	23	investment	investment	NOUN
easat-4937	177	24	portfolio	portfolio	NOUN
easat-4937	177	25	through	through	ADP
easat-4937	177	26	p2p	p2p	NOUN
easat-4937	177	27	lending	lending	NOUN
easat-4937	177	28	.	.	PUNCT
easat-4937	178	1	first	first	ADV
easat-4937	178	2	,	,	PUNCT
easat-4937	178	3	they	they	PRON
easat-4937	178	4	perceive	perceive	VERB
easat-4937	178	5	p2p	p2p	NOUN
easat-4937	178	6	lending	lending	NOUN
easat-4937	178	7	as	as	ADP
easat-4937	178	8	a	a	DET
easat-4937	178	9	relatively	relatively	ADV
easat-4937	178	10	low	low	ADJ
easat-4937	178	11	-	-	PUNCT
easat-4937	178	12	risk	risk	NOUN
easat-4937	178	13	investment	investment	NOUN
easat-4937	178	14	.	.	PUNCT
easat-4937	179	1	1844	1844	NUM
easat-4937	179	2	edelweiss	edelweiss	PROPN
easat-4937	179	3	applied	apply	VERB
easat-4937	179	4	science	science	NOUN
easat-4937	179	5	and	and	CCONJ
easat-4937	179	6	technology	technology	NOUN
easat-4937	179	7	issn	issn	PROPN
easat-4937	179	8	:	:	PUNCT
easat-4937	179	9	2576	2576	NUM
easat-4937	179	10	-	-	SYM
easat-4937	179	11	8484	8484	NUM
easat-4937	179	12	vol	vol	NOUN
easat-4937	179	13	.	.	PROPN
easat-4937	180	1	9	9	NUM
easat-4937	180	2	,	,	PUNCT
easat-4937	180	3	no	no	INTJ
easat-4937	180	4	.	.	NOUN
easat-4937	180	5	2	2	NUM
easat-4937	180	6	:	:	SYM
easat-4937	180	7	1839	1839	NUM
easat-4937	180	8	-	-	SYM
easat-4937	180	9	1851	1851	NUM
easat-4937	180	10	,	,	PUNCT
easat-4937	180	11	2025	2025	NUM
easat-4937	180	12	doi	doi	NOUN
easat-4937	180	13	:	:	PUNCT
easat-4937	180	14	10.55214/25768484.v9i2.4937	10.55214/25768484.v9i2.4937	NUM
easat-4937	180	15	©	©	PROPN
easat-4937	180	16	2025	2025	NUM
easat-4937	180	17	by	by	ADP
easat-4937	180	18	the	the	DET
easat-4937	180	19	authors	author	NOUN
easat-4937	180	20	;	;	PUNCT
easat-4937	180	21	licensee	licensee	PROPN
easat-4937	180	22	learning	learning	NOUN
easat-4937	180	23	gate	gate	NOUN
easat-4937	180	24	“	"	PUNCT
easat-4937	180	25	i	i	PRON
easat-4937	180	26	think	think	VERB
easat-4937	180	27	p2p	p2p	NOUN
easat-4937	180	28	lending	lending	NOUN
easat-4937	180	29	has	have	VERB
easat-4937	180	30	a	a	DET
easat-4937	180	31	moderate	moderate	ADJ
easat-4937	180	32	risk	risk	NOUN
easat-4937	180	33	.	.	PUNCT
easat-4937	181	1	yes	yes	INTJ
easat-4937	181	2	,	,	PUNCT
easat-4937	181	3	it	it	PRON
easat-4937	181	4	offers	offer	VERB
easat-4937	181	5	high	high	ADJ
easat-4937	181	6	returns	return	NOUN
easat-4937	181	7	,	,	PUNCT
easat-4937	181	8	but	but	CCONJ
easat-4937	181	9	i	i	PRON
easat-4937	181	10	can	can	AUX
easat-4937	181	11	also	also	ADV
easat-4937	181	12	choose	choose	VERB
easat-4937	181	13	a	a	DET
easat-4937	181	14	portfolio	portfolio	NOUN
easat-4937	181	15	with	with	ADP
easat-4937	181	16	a	a	DET
easat-4937	181	17	2–3	2–3	NUM
easat-4937	181	18	-	-	PUNCT
easat-4937	181	19	month	month	NOUN
easat-4937	181	20	duration	duration	NOUN
easat-4937	181	21	and	and	CCONJ
easat-4937	181	22	not	not	PART
easat-4937	181	23	invest	invest	VERB
easat-4937	181	24	more	more	ADJ
easat-4937	181	25	than	than	ADP
easat-4937	181	26	5	5	NUM
easat-4937	181	27	million	million	NUM
easat-4937	181	28	rupiah	rupiah	NOUN
easat-4937	181	29	per	per	ADP
easat-4937	181	30	project	project	NOUN
easat-4937	181	31	”	"	PUNCT
easat-4937	181	32	(	(	PUNCT
easat-4937	181	33	respondent_09	respondent_09	NOUN
easat-4937	181	34	)	)	PUNCT
easat-4937	181	35	this	this	DET
easat-4937	181	36	finding	finding	NOUN
easat-4937	181	37	contrasts	contrast	VERB
easat-4937	181	38	with	with	ADP
easat-4937	181	39	existing	exist	VERB
easat-4937	181	40	studies	study	NOUN
easat-4937	181	41	that	that	PRON
easat-4937	181	42	describe	describe	VERB
easat-4937	181	43	p2p	p2p	NOUN
easat-4937	181	44	lending	lending	NOUN
easat-4937	181	45	as	as	ADP
easat-4937	181	46	a	a	DET
easat-4937	181	47	risky	risky	ADJ
easat-4937	181	48	investment	investment	NOUN
easat-4937	182	1	[	[	X
easat-4937	182	2	10	10	NUM
easat-4937	182	3	,	,	PUNCT
easat-4937	182	4	26	26	NUM
easat-4937	182	5	,	,	PUNCT
easat-4937	182	6	27	27	NUM
easat-4937	182	7	]	]	PUNCT
easat-4937	182	8	.	.	PUNCT
easat-4937	183	1	some	some	DET
easat-4937	183	2	respondents	respondent	NOUN
easat-4937	183	3	even	even	ADV
easat-4937	183	4	view	view	VERB
easat-4937	183	5	p2p	p2p	NOUN
easat-4937	183	6	lending	lending	NOUN
easat-4937	183	7	as	as	ADP
easat-4937	183	8	a	a	DET
easat-4937	183	9	steppingstone	steppingstone	NOUN
easat-4937	183	10	to	to	ADP
easat-4937	183	11	riskier	risky	ADJ
easat-4937	183	12	investments	investment	NOUN
easat-4937	183	13	,	,	PUNCT
easat-4937	183	14	such	such	ADJ
easat-4937	183	15	as	as	ADP
easat-4937	183	16	stocks	stock	NOUN
easat-4937	183	17	.	.	PUNCT
easat-4937	184	1	successfully	successfully	ADV
easat-4937	184	2	investing	invest	VERB
easat-4937	184	3	in	in	ADP
easat-4937	184	4	p2p	p2p	NOUN
easat-4937	184	5	lending	lending	NOUN
easat-4937	184	6	boosts	boost	VERB
easat-4937	184	7	their	their	PRON
easat-4937	184	8	confidence	confidence	NOUN
easat-4937	184	9	to	to	PART
easat-4937	184	10	explore	explore	VERB
easat-4937	184	11	higher	high	ADJ
easat-4937	184	12	-	-	PUNCT
easat-4937	184	13	risk	risk	NOUN
easat-4937	184	14	,	,	PUNCT
easat-4937	184	15	higher	high	ADJ
easat-4937	184	16	-	-	PUNCT
easat-4937	184	17	return	return	NOUN
easat-4937	184	18	opportunities	opportunity	NOUN
easat-4937	184	19	.	.	PUNCT
easat-4937	185	1	“	"	PUNCT
easat-4937	185	2	p2p	p2p	NOUN
easat-4937	185	3	lending	lending	NOUN
easat-4937	185	4	provides	provide	VERB
easat-4937	185	5	a	a	DET
easat-4937	185	6	good	good	ADJ
easat-4937	185	7	opportunity	opportunity	NOUN
easat-4937	185	8	for	for	SCONJ
easat-4937	185	9	me	i	PRON
easat-4937	185	10	to	to	PART
easat-4937	185	11	learn	learn	VERB
easat-4937	185	12	about	about	ADP
easat-4937	185	13	investments	investment	NOUN
easat-4937	185	14	.	.	PUNCT
easat-4937	186	1	once	once	SCONJ
easat-4937	186	2	i	i	PRON
easat-4937	186	3	am	be	AUX
easat-4937	186	4	successful	successful	ADJ
easat-4937	186	5	in	in	ADP
easat-4937	186	6	investing	invest	VERB
easat-4937	186	7	in	in	ADP
easat-4937	186	8	p2p	p2p	NOUN
easat-4937	186	9	lending	lending	NOUN
easat-4937	186	10	,	,	PUNCT
easat-4937	186	11	i	i	PRON
easat-4937	186	12	can	can	AUX
easat-4937	186	13	invest	invest	VERB
easat-4937	186	14	in	in	ADP
easat-4937	186	15	riskier	risky	ADJ
easat-4937	186	16	and	and	CCONJ
easat-4937	186	17	higher	high	ADJ
easat-4937	186	18	-	-	PUNCT
easat-4937	186	19	return	return	NOUN
easat-4937	186	20	investments	investment	NOUN
easat-4937	186	21	,	,	PUNCT
easat-4937	186	22	such	such	ADJ
easat-4937	186	23	as	as	ADP
easat-4937	186	24	stocks	stock	NOUN
easat-4937	186	25	”	"	PUNCT
easat-4937	186	26	(	(	PUNCT
easat-4937	186	27	respondent_06	respondent_06	NOUN
easat-4937	186	28	)	)	PUNCT
easat-4937	186	29	another	another	DET
easat-4937	186	30	reason	reason	NOUN
easat-4937	186	31	for	for	ADP
easat-4937	186	32	diversifying	diversify	VERB
easat-4937	186	33	into	into	ADP
easat-4937	186	34	p2p	p2p	NOUN
easat-4937	186	35	lending	lending	NOUN
easat-4937	186	36	is	be	AUX
easat-4937	186	37	that	that	SCONJ
easat-4937	186	38	some	some	DET
easat-4937	186	39	respondents	respondent	NOUN
easat-4937	186	40	have	have	VERB
easat-4937	186	41	excess	excess	ADJ
easat-4937	186	42	disposable	disposable	ADJ
easat-4937	186	43	income	income	NOUN
easat-4937	186	44	,	,	PUNCT
easat-4937	186	45	which	which	PRON
easat-4937	186	46	allows	allow	VERB
easat-4937	186	47	them	they	PRON
easat-4937	186	48	to	to	PART
easat-4937	186	49	explore	explore	VERB
easat-4937	186	50	different	different	ADJ
easat-4937	186	51	investment	investment	NOUN
easat-4937	186	52	options	option	NOUN
easat-4937	186	53	without	without	ADP
easat-4937	186	54	significant	significant	ADJ
easat-4937	186	55	financial	financial	ADJ
easat-4937	186	56	risk	risk	NOUN
easat-4937	186	57	.	.	PUNCT
easat-4937	187	1	“	"	PUNCT
easat-4937	187	2	since	since	SCONJ
easat-4937	187	3	i	i	PRON
easat-4937	187	4	have	have	VERB
easat-4937	187	5	excess	excess	ADJ
easat-4937	187	6	funds	fund	NOUN
easat-4937	187	7	that	that	PRON
easat-4937	187	8	i	i	PRON
easat-4937	187	9	wo	will	AUX
easat-4937	187	10	n’t	not	PART
easat-4937	187	11	need	need	VERB
easat-4937	187	12	for	for	ADP
easat-4937	187	13	a	a	DET
easat-4937	187	14	year	year	NOUN
easat-4937	187	15	,	,	PUNCT
easat-4937	187	16	i	i	PRON
easat-4937	187	17	prefer	prefer	VERB
easat-4937	187	18	investing	invest	VERB
easat-4937	187	19	in	in	ADP
easat-4937	187	20	p2p	p2p	NOUN
easat-4937	187	21	lending	lend	VERB
easat-4937	187	22	rather	rather	ADV
easat-4937	187	23	than	than	ADP
easat-4937	187	24	keeping	keep	VERB
easat-4937	187	25	them	they	PRON
easat-4937	187	26	in	in	ADP
easat-4937	187	27	a	a	DET
easat-4937	187	28	bank	bank	NOUN
easat-4937	187	29	account	account	NOUN
easat-4937	187	30	.	.	PUNCT
easat-4937	188	1	compared	compare	VERB
easat-4937	188	2	to	to	ADP
easat-4937	188	3	mutual	mutual	ADJ
easat-4937	188	4	funds	fund	NOUN
easat-4937	188	5	or	or	CCONJ
easat-4937	188	6	term	term	NOUN
easat-4937	188	7	deposits	deposit	NOUN
easat-4937	188	8	,	,	PUNCT
easat-4937	188	9	p2p	p2p	NOUN
easat-4937	188	10	lending	lending	NOUN
easat-4937	188	11	offers	offer	VERB
easat-4937	188	12	better	well	ADJ
easat-4937	188	13	short	short	ADJ
easat-4937	188	14	-	-	PUNCT
easat-4937	188	15	term	term	NOUN
easat-4937	188	16	returns	return	NOUN
easat-4937	188	17	without	without	ADP
easat-4937	188	18	high	high	ADJ
easat-4937	188	19	withdrawal	withdrawal	NOUN
easat-4937	188	20	fees	fee	NOUN
easat-4937	188	21	or	or	CCONJ
easat-4937	188	22	taxes	taxis	NOUN
easat-4937	188	23	.	.	PUNCT
easat-4937	189	1	the	the	DET
easat-4937	189	2	key	key	NOUN
easat-4937	189	3	is	be	AUX
easat-4937	189	4	selecting	select	VERB
easat-4937	189	5	projects	project	NOUN
easat-4937	189	6	with	with	ADP
easat-4937	189	7	a	a	DET
easat-4937	189	8	strong	strong	ADJ
easat-4937	189	9	track	track	NOUN
easat-4937	189	10	record	record	NOUN
easat-4937	189	11	to	to	PART
easat-4937	189	12	minimize	minimize	VERB
easat-4937	189	13	risks	risk	NOUN
easat-4937	189	14	.	.	PUNCT
easat-4937	189	15	”	"	PUNCT
easat-4937	190	1	(	(	PUNCT
easat-4937	190	2	respondent_02	respondent_02	PROPN
easat-4937	190	3	)	)	PUNCT
easat-4937	190	4	another	another	DET
easat-4937	190	5	key	key	ADJ
easat-4937	190	6	finding	finding	NOUN
easat-4937	190	7	from	from	ADP
easat-4937	190	8	this	this	DET
easat-4937	190	9	study	study	NOUN
easat-4937	190	10	is	be	AUX
easat-4937	190	11	how	how	SCONJ
easat-4937	190	12	respondents	respondent	NOUN
easat-4937	190	13	access	access	NOUN
easat-4937	190	14	and	and	CCONJ
easat-4937	190	15	process	process	NOUN
easat-4937	190	16	information	information	NOUN
easat-4937	190	17	about	about	ADP
easat-4937	190	18	p2p	p2p	NOUN
easat-4937	190	19	lending	lending	NOUN
easat-4937	190	20	.	.	PUNCT
easat-4937	191	1	respondents	respondent	NOUN
easat-4937	191	2	reported	report	VERB
easat-4937	191	3	being	be	AUX
easat-4937	191	4	well	well	ADV
easat-4937	191	5	-	-	PUNCT
easat-4937	191	6	informed	inform	VERB
easat-4937	191	7	about	about	ADP
easat-4937	191	8	high	high	ADJ
easat-4937	191	9	returns	return	NOUN
easat-4937	191	10	and	and	CCONJ
easat-4937	191	11	other	other	ADJ
easat-4937	191	12	relevant	relevant	ADJ
easat-4937	191	13	details	detail	NOUN
easat-4937	191	14	,	,	PUNCT
easat-4937	191	15	as	as	SCONJ
easat-4937	191	16	they	they	PRON
easat-4937	191	17	actively	actively	ADV
easat-4937	191	18	researched	research	VERB
easat-4937	191	19	p2p	p2p	NOUN
easat-4937	191	20	lending	lending	NOUN
easat-4937	191	21	before	before	ADP
easat-4937	191	22	making	make	VERB
easat-4937	191	23	investment	investment	NOUN
easat-4937	191	24	decisions	decision	NOUN
easat-4937	191	25	.	.	PUNCT
easat-4937	192	1	“	"	PUNCT
easat-4937	192	2	before	before	SCONJ
easat-4937	192	3	i	i	PRON
easat-4937	192	4	decided	decide	VERB
easat-4937	192	5	to	to	PART
easat-4937	192	6	invest	invest	VERB
easat-4937	192	7	,	,	PUNCT
easat-4937	192	8	i	i	PRON
easat-4937	192	9	searched	search	VERB
easat-4937	192	10	a	a	DET
easat-4937	192	11	lot	lot	NOUN
easat-4937	192	12	of	of	ADP
easat-4937	192	13	information	information	NOUN
easat-4937	192	14	[	[	X
easat-4937	192	15	about	about	ADP
easat-4937	192	16	p2p	p2p	NOUN
easat-4937	192	17	lending	lending	NOUN
easat-4937	192	18	]	]	PUNCT
easat-4937	192	19	from	from	ADP
easat-4937	192	20	various	various	ADJ
easat-4937	192	21	digital	digital	ADJ
easat-4937	192	22	sources	source	NOUN
easat-4937	192	23	.	.	PUNCT
easat-4937	192	24	”	"	PUNCT
easat-4937	193	1	(	(	PUNCT
easat-4937	193	2	respondent_07	respondent_07	X
easat-4937	193	3	)	)	PUNCT
easat-4937	193	4	their	their	PRON
easat-4937	193	5	ability	ability	NOUN
easat-4937	193	6	to	to	PART
easat-4937	193	7	gather	gather	VERB
easat-4937	193	8	and	and	CCONJ
easat-4937	193	9	assess	assess	VERB
easat-4937	193	10	information	information	NOUN
easat-4937	193	11	reflects	reflect	VERB
easat-4937	193	12	their	their	PRON
easat-4937	193	13	digital	digital	ADJ
easat-4937	193	14	literacy	literacy	NOUN
easat-4937	193	15	skills	skill	NOUN
easat-4937	193	16	,	,	PUNCT
easat-4937	193	17	supportingpierrakis	supportingpierraki	VERB
easat-4937	193	18	[	[	X
easat-4937	193	19	4	4	X
easat-4937	193	20	]	]	PUNCT
easat-4937	193	21	who	who	PRON
easat-4937	193	22	found	find	VERB
easat-4937	193	23	that	that	SCONJ
easat-4937	193	24	most	most	ADJ
easat-4937	193	25	p2p	p2p	NOUN
easat-4937	193	26	lenders	lender	NOUN
easat-4937	193	27	have	have	AUX
easat-4937	193	28	sophisticated	sophisticated	ADJ
easat-4937	193	29	and	and	CCONJ
easat-4937	193	30	educated	educate	VERB
easat-4937	193	31	backgrounds	background	NOUN
easat-4937	193	32	.	.	PUNCT
easat-4937	194	1	however	however	ADV
easat-4937	194	2	,	,	PUNCT
easat-4937	194	3	this	this	DET
easat-4937	194	4	study	study	NOUN
easat-4937	194	5	contrasts	contrast	VERB
easat-4937	194	6	with	with	ADP
easat-4937	194	7	pierrakis	pierrakis	PROPN
easat-4937	194	8	[	[	X
easat-4937	194	9	4	4	X
easat-4937	194	10	]	]	PUNCT
easat-4937	194	11	in	in	ADP
easat-4937	194	12	that	that	DET
easat-4937	194	13	respondent	respondent	NOUN
easat-4937	194	14	demonstrated	demonstrate	VERB
easat-4937	194	15	a	a	DET
easat-4937	194	16	proactive	proactive	ADJ
easat-4937	194	17	approach	approach	NOUN
easat-4937	194	18	to	to	ADP
easat-4937	194	19	due	due	ADJ
easat-4937	194	20	diligence	diligence	NOUN
easat-4937	194	21	,	,	PUNCT
easat-4937	194	22	whereas	whereas	SCONJ
easat-4937	194	23	pierrakis	pierrakis	PROPN
easat-4937	194	24	suggested	suggest	VERB
easat-4937	194	25	that	that	SCONJ
easat-4937	194	26	lenders	lender	NOUN
easat-4937	194	27	are	be	AUX
easat-4937	194	28	primarily	primarily	ADV
easat-4937	194	29	driven	drive	VERB
easat-4937	194	30	by	by	ADP
easat-4937	194	31	high	high	ADJ
easat-4937	194	32	returns	return	NOUN
easat-4937	194	33	and	and	CCONJ
easat-4937	194	34	often	often	ADV
easat-4937	194	35	conduct	conduct	VERB
easat-4937	194	36	little	little	ADJ
easat-4937	194	37	to	to	ADP
easat-4937	194	38	no	no	DET
easat-4937	194	39	research	research	NOUN
easat-4937	194	40	.	.	PUNCT
easat-4937	195	1	additionally	additionally	ADV
easat-4937	195	2	,	,	PUNCT
easat-4937	195	3	respondents	respondent	NOUN
easat-4937	195	4	emphasized	emphasize	VERB
easat-4937	195	5	the	the	DET
easat-4937	195	6	role	role	NOUN
easat-4937	195	7	of	of	ADP
easat-4937	195	8	internet	internet	NOUN
easat-4937	195	9	accessibility	accessibility	NOUN
easat-4937	195	10	in	in	ADP
easat-4937	195	11	obtaining	obtain	VERB
easat-4937	195	12	investmentrelated	investmentrelated	ADJ
easat-4937	195	13	information	information	NOUN
easat-4937	195	14	.	.	PUNCT
easat-4937	196	1	for	for	ADP
easat-4937	196	2	example	example	NOUN
easat-4937	196	3	,	,	PUNCT
easat-4937	196	4	some	some	PRON
easat-4937	196	5	learned	learn	VERB
easat-4937	196	6	about	about	ADP
easat-4937	196	7	p2p	p2p	NOUN
easat-4937	196	8	lending	lend	VERB
easat-4937	196	9	through	through	ADP
easat-4937	196	10	digital	digital	ADJ
easat-4937	196	11	content	content	NOUN
easat-4937	196	12	such	such	ADJ
easat-4937	196	13	as	as	ADP
easat-4937	196	14	youtube	youtube	NOUN
easat-4937	196	15	videos	video	NOUN
easat-4937	196	16	.	.	PUNCT
easat-4937	197	1	“	"	PUNCT
easat-4937	197	2	oh	oh	INTJ
easat-4937	197	3	,	,	PUNCT
easat-4937	197	4	i	i	PRON
easat-4937	197	5	actually	actually	ADV
easat-4937	197	6	learned	learn	VERB
easat-4937	197	7	about	about	ADP
easat-4937	197	8	that	that	PRON
easat-4937	197	9	[	[	X
easat-4937	197	10	p2p	p2p	NOUN
easat-4937	197	11	lending	lending	NOUN
easat-4937	197	12	]	]	PUNCT
easat-4937	197	13	from	from	ADP
easat-4937	197	14	a	a	DET
easat-4937	197	15	youtuber	youtuber	NOUN
easat-4937	197	16	.	.	PUNCT
easat-4937	197	17	”	"	PUNCT
easat-4937	198	1	(	(	PUNCT
easat-4937	198	2	respondent_06	respondent_06	NOUN
easat-4937	198	3	)	)	PUNCT
easat-4937	198	4	this	this	DET
easat-4937	198	5	finding	finding	NOUN
easat-4937	198	6	aligns	align	VERB
easat-4937	198	7	with	with	ADP
easat-4937	198	8	bican	bican	NOUN
easat-4937	198	9	and	and	CCONJ
easat-4937	198	10	brem	brem	VERB
easat-4937	198	11	[	[	X
easat-4937	198	12	2	2	NUM
easat-4937	198	13	]	]	PUNCT
easat-4937	198	14	who	who	PRON
easat-4937	198	15	argue	argue	VERB
easat-4937	198	16	that	that	SCONJ
easat-4937	198	17	in	in	ADP
easat-4937	198	18	the	the	DET
easat-4937	198	19	digital	digital	ADJ
easat-4937	198	20	era	era	NOUN
easat-4937	198	21	,	,	PUNCT
easat-4937	198	22	information	information	NOUN
easat-4937	198	23	is	be	AUX
easat-4937	198	24	easily	easily	ADV
easat-4937	198	25	facilitated	facilitate	VERB
easat-4937	198	26	and	and	CCONJ
easat-4937	198	27	widely	widely	ADV
easat-4937	198	28	accessible	accessible	ADJ
easat-4937	198	29	online	online	ADV
easat-4937	198	30	.	.	PUNCT
easat-4937	199	1	such	such	ADJ
easat-4937	199	2	accessibility	accessibility	NOUN
easat-4937	199	3	empowers	empower	VERB
easat-4937	199	4	p2p	p2p	NOUN
easat-4937	199	5	lenders	lender	NOUN
easat-4937	199	6	to	to	PART
easat-4937	199	7	make	make	VERB
easat-4937	199	8	informed	informed	ADJ
easat-4937	199	9	investment	investment	NOUN
easat-4937	199	10	decisions	decision	NOUN
easat-4937	199	11	by	by	ADP
easat-4937	199	12	enabling	enable	VERB
easat-4937	199	13	them	they	PRON
easat-4937	199	14	to	to	PART
easat-4937	199	15	research	research	VERB
easat-4937	199	16	potential	potential	ADJ
easat-4937	199	17	opportunities	opportunity	NOUN
easat-4937	199	18	and	and	CCONJ
easat-4937	199	19	assess	assess	VERB
easat-4937	199	20	risks	risk	NOUN
easat-4937	199	21	more	more	ADV
easat-4937	199	22	effectively	effectively	ADV
easat-4937	199	23	.	.	PUNCT
easat-4937	200	1	furthermore	furthermore	ADV
easat-4937	200	2	,	,	PUNCT
easat-4937	200	3	respondents	respondent	NOUN
easat-4937	200	4	reported	report	VERB
easat-4937	200	5	being	be	AUX
easat-4937	200	6	drawn	draw	VERB
easat-4937	200	7	to	to	ADP
easat-4937	200	8	p2p	p2p	NOUN
easat-4937	200	9	lending	lending	NOUN
easat-4937	200	10	due	due	ADJ
easat-4937	200	11	to	to	ADP
easat-4937	200	12	favorable	favorable	ADJ
easat-4937	200	13	information	information	NOUN
easat-4937	200	14	received	receive	VERB
easat-4937	200	15	from	from	ADP
easat-4937	200	16	various	various	ADJ
easat-4937	200	17	sources	source	NOUN
easat-4937	200	18	,	,	PUNCT
easat-4937	200	19	particularly	particularly	ADV
easat-4937	200	20	social	social	ADJ
easat-4937	200	21	media	medium	NOUN
easat-4937	200	22	advertisements	advertisement	NOUN
easat-4937	200	23	.	.	PUNCT
easat-4937	201	1	“	"	PUNCT
easat-4937	201	2	[	[	X
easat-4937	201	3	....	....	X
easat-4937	201	4	]	]	X
easat-4937	201	5	at	at	ADP
easat-4937	201	6	the	the	DET
easat-4937	201	7	time	time	NOUN
easat-4937	201	8	,	,	PUNCT
easat-4937	201	9	i	i	PRON
easat-4937	201	10	was	be	AUX
easat-4937	201	11	attracted	attract	VERB
easat-4937	201	12	to	to	ADP
easat-4937	201	13	p2p	p2p	NOUN
easat-4937	201	14	lending	lending	NOUN
easat-4937	201	15	because	because	SCONJ
easat-4937	201	16	the	the	DET
easat-4937	201	17	advertisement	advertisement	NOUN
easat-4937	201	18	in	in	ADP
easat-4937	201	19	social	social	ADJ
easat-4937	201	20	media	medium	NOUN
easat-4937	201	21	highlighted	highlight	VERB
easat-4937	201	22	benefits	benefit	NOUN
easat-4937	201	23	of	of	ADP
easat-4937	201	24	being	be	AUX
easat-4937	201	25	a	a	DET
easat-4937	201	26	lender	lender	NOUN
easat-4937	201	27	,	,	PUNCT
easat-4937	201	28	such	such	ADJ
easat-4937	201	29	as	as	ADP
easat-4937	201	30	the	the	DET
easat-4937	201	31	potential	potential	NOUN
easat-4937	201	32	for	for	ADP
easat-4937	201	33	high	high	ADJ
easat-4937	201	34	returns	return	NOUN
easat-4937	201	35	and	and	CCONJ
easat-4937	201	36	the	the	DET
easat-4937	201	37	flexibility	flexibility	NOUN
easat-4937	201	38	of	of	ADP
easat-4937	201	39	investment	investment	NOUN
easat-4937	201	40	periods	period	NOUN
easat-4937	201	41	.	.	PUNCT
easat-4937	202	1	i	i	PRON
easat-4937	202	2	wanted	want	VERB
easat-4937	202	3	to	to	PART
easat-4937	202	4	see	see	VERB
easat-4937	202	5	for	for	ADP
easat-4937	202	6	myself	myself	PRON
easat-4937	202	7	if	if	SCONJ
easat-4937	202	8	it	it	PRON
easat-4937	202	9	was	be	AUX
easat-4937	202	10	true	true	ADJ
easat-4937	202	11	.	.	PUNCT
easat-4937	202	12	”	"	PUNCT
easat-4937	203	1	(	(	PUNCT
easat-4937	203	2	respondent_04	respondent_04	NOUN
easat-4937	203	3	)	)	PUNCT
easat-4937	203	4	this	this	PRON
easat-4937	203	5	highlights	highlight	VERB
easat-4937	203	6	the	the	DET
easat-4937	203	7	persuasive	persuasive	ADJ
easat-4937	203	8	power	power	NOUN
easat-4937	203	9	of	of	ADP
easat-4937	203	10	digital	digital	ADJ
easat-4937	203	11	marketing	marketing	NOUN
easat-4937	203	12	,	,	PUNCT
easat-4937	203	13	where	where	SCONJ
easat-4937	203	14	promotional	promotional	ADJ
easat-4937	203	15	content	content	NOUN
easat-4937	203	16	influences	influence	VERB
easat-4937	203	17	investment	investment	NOUN
easat-4937	203	18	behavior	behavior	NOUN
easat-4937	203	19	by	by	ADP
easat-4937	203	20	shaping	shape	VERB
easat-4937	203	21	perceptions	perception	NOUN
easat-4937	203	22	of	of	ADP
easat-4937	203	23	risk	risk	NOUN
easat-4937	203	24	and	and	CCONJ
easat-4937	203	25	return	return	NOUN
easat-4937	203	26	.	.	PUNCT
easat-4937	204	1	this	this	DET
easat-4937	204	2	study	study	NOUN
easat-4937	204	3	finds	find	VERB
easat-4937	204	4	that	that	SCONJ
easat-4937	204	5	respondents	respondent	NOUN
easat-4937	204	6	exhibit	exhibit	VERB
easat-4937	204	7	a	a	DET
easat-4937	204	8	favorable	favorable	ADJ
easat-4937	204	9	attitude	attitude	NOUN
easat-4937	204	10	toward	toward	ADP
easat-4937	204	11	p2p	p2p	NOUN
easat-4937	204	12	lending	lending	NOUN
easat-4937	204	13	,	,	PUNCT
easat-4937	204	14	primarily	primarily	ADV
easat-4937	204	15	due	due	ADP
easat-4937	204	16	to	to	ADP
easat-4937	204	17	its	its	PRON
easat-4937	204	18	high	high	ADJ
easat-4937	204	19	returns	return	NOUN
easat-4937	204	20	and	and	CCONJ
easat-4937	204	21	potential	potential	NOUN
easat-4937	204	22	for	for	ADP
easat-4937	204	23	investment	investment	NOUN
easat-4937	204	24	diversification	diversification	NOUN
easat-4937	204	25	.	.	PUNCT
easat-4937	205	1	however	however	ADV
easat-4937	205	2	,	,	PUNCT
easat-4937	205	3	this	this	DET
easat-4937	205	4	study	study	NOUN
easat-4937	205	5	provides	provide	VERB
easat-4937	205	6	further	further	ADJ
easat-4937	205	7	insight	insight	NOUN
easat-4937	205	8	into	into	ADP
easat-4937	205	9	the	the	DET
easat-4937	205	10	underlying	underlie	VERB
easat-4937	205	11	motivations	motivation	NOUN
easat-4937	205	12	behind	behind	ADP
easat-4937	205	13	these	these	DET
easat-4937	205	14	factors	factor	NOUN
easat-4937	205	15	.	.	PUNCT
easat-4937	206	1	the	the	DET
easat-4937	206	2	preference	preference	NOUN
easat-4937	206	3	for	for	ADP
easat-4937	206	4	high	high	ADJ
easat-4937	206	5	returns	return	NOUN
easat-4937	206	6	stems	stem	VERB
easat-4937	206	7	from	from	ADP
easat-4937	206	8	opportunistic	opportunistic	ADJ
easat-4937	206	9	decision	decision	NOUN
easat-4937	206	10	-	-	PUNCT
easat-4937	206	11	making	making	NOUN
easat-4937	206	12	,	,	PUNCT
easat-4937	206	13	which	which	PRON
easat-4937	206	14	is	be	AUX
easat-4937	206	15	perceived	perceive	VERB
easat-4937	206	16	as	as	ADP
easat-4937	206	17	mutually	mutually	ADV
easat-4937	206	18	beneficial	beneficial	ADJ
easat-4937	206	19	rather	rather	ADV
easat-4937	206	20	than	than	ADP
easat-4937	206	21	exploitative	exploitative	ADJ
easat-4937	206	22	.	.	PUNCT
easat-4937	207	1	meanwhile	meanwhile	ADV
easat-4937	207	2	,	,	PUNCT
easat-4937	207	3	the	the	DET
easat-4937	207	4	desire	desire	NOUN
easat-4937	207	5	to	to	PART
easat-4937	207	6	diversify	diversify	VERB
easat-4937	207	7	investments	investment	NOUN
easat-4937	207	8	is	be	AUX
easat-4937	207	9	driven	drive	VERB
easat-4937	207	10	by	by	ADP
easat-4937	207	11	the	the	DET
easat-4937	207	12	perception	perception	NOUN
easat-4937	207	13	that	that	SCONJ
easat-4937	207	14	p2p	p2p	NOUN
easat-4937	207	15	lending	lending	NOUN
easat-4937	207	16	is	be	AUX
easat-4937	207	17	relatively	relatively	ADV
easat-4937	207	18	less	less	ADV
easat-4937	207	19	risky	risky	ADJ
easat-4937	207	20	and	and	CCONJ
easat-4937	207	21	by	by	ADP
easat-4937	207	22	the	the	DET
easat-4937	207	23	availability	availability	NOUN
easat-4937	207	24	of	of	ADP
easat-4937	207	25	disposable	disposable	ADJ
easat-4937	207	26	income	income	NOUN
easat-4937	207	27	.	.	PUNCT
easat-4937	208	1	furthermore	furthermore	ADV
easat-4937	208	2	,	,	PUNCT
easat-4937	208	3	respondents	respondent	NOUN
easat-4937	208	4	evaluate	evaluate	VERB
easat-4937	208	5	their	their	PRON
easat-4937	208	6	investment	investment	NOUN
easat-4937	208	7	behavior	behavior	NOUN
easat-4937	208	8	based	base	VERB
easat-4937	208	9	on	on	ADP
easat-4937	208	10	expected	expect	VERB
easat-4937	208	11	outcomes	outcome	NOUN
easat-4937	208	12	,	,	PUNCT
easat-4937	208	13	aligning	align	VERB
easat-4937	208	14	with	with	ADP
easat-4937	208	15	ajzen	ajzen	NOUN
easat-4937	208	16	and	and	CCONJ
easat-4937	208	17	fishbein	fishbein	NOUN
easat-4937	208	18	[	[	X
easat-4937	208	19	34	34	NUM
easat-4937	208	20	]	]	PUNCT
easat-4937	208	21	theory	theory	NOUN
easat-4937	208	22	of	of	ADP
easat-4937	208	23	reasoned	reason	VERB
easat-4937	208	24	action	action	NOUN
easat-4937	208	25	.	.	PUNCT
easat-4937	209	1	before	before	ADP
easat-4937	209	2	becoming	become	VERB
easat-4937	209	3	lenders	lender	NOUN
easat-4937	209	4	,	,	PUNCT
easat-4937	209	5	they	they	PRON
easat-4937	209	6	assess	assess	VERB
easat-4937	209	7	the	the	DET
easat-4937	209	8	potential	potential	ADJ
easat-4937	209	9	benefits	benefit	NOUN
easat-4937	209	10	and	and	CCONJ
easat-4937	209	11	risks	risk	NOUN
easat-4937	209	12	of	of	ADP
easat-4937	209	13	p2p	p2p	NOUN
easat-4937	209	14	lending	lend	VERB
easat-4937	209	15	through	through	ADP
easat-4937	209	16	extensive	extensive	ADJ
easat-4937	209	17	online	online	ADJ
easat-4937	209	18	research	research	NOUN
easat-4937	209	19	.	.	PUNCT
easat-4937	210	1	by	by	ADP
easat-4937	210	2	gathering	gather	VERB
easat-4937	210	3	information	information	NOUN
easat-4937	210	4	from	from	ADP
easat-4937	210	5	various	various	ADJ
easat-4937	210	6	digital	digital	ADJ
easat-4937	210	7	sources	source	NOUN
easat-4937	210	8	,	,	PUNCT
easat-4937	210	9	such	such	ADJ
easat-4937	210	10	as	as	ADP
easat-4937	210	11	youtube	youtube	NOUN
easat-4937	210	12	,	,	PUNCT
easat-4937	210	13	this	this	DET
easat-4937	210	14	process	process	NOUN
easat-4937	210	15	shapes	shape	VERB
easat-4937	210	16	their	their	PRON
easat-4937	210	17	attitudes	attitude	NOUN
easat-4937	210	18	toward	toward	ADP
easat-4937	210	19	p2p	p2p	NOUN
easat-4937	210	20	lending	lending	NOUN
easat-4937	210	21	.	.	PUNCT
easat-4937	211	1	1845	1845	NUM
easat-4937	211	2	edelweiss	edelweiss	PROPN
easat-4937	211	3	applied	apply	VERB
easat-4937	211	4	science	science	NOUN
easat-4937	211	5	and	and	CCONJ
easat-4937	211	6	technology	technology	NOUN
easat-4937	211	7	issn	issn	PROPN
easat-4937	211	8	:	:	PUNCT
easat-4937	211	9	2576	2576	NUM
easat-4937	211	10	-	-	SYM
easat-4937	211	11	8484	8484	NUM
easat-4937	211	12	vol	vol	NOUN
easat-4937	211	13	.	.	PROPN
easat-4937	212	1	9	9	NUM
easat-4937	212	2	,	,	PUNCT
easat-4937	212	3	no	no	INTJ
easat-4937	212	4	.	.	NOUN
easat-4937	212	5	2	2	NUM
easat-4937	212	6	:	:	SYM
easat-4937	212	7	1839	1839	NUM
easat-4937	212	8	-	-	SYM
easat-4937	212	9	1851	1851	NUM
easat-4937	212	10	,	,	PUNCT
easat-4937	212	11	2025	2025	NUM
easat-4937	212	12	doi	doi	NOUN
easat-4937	212	13	:	:	PUNCT
easat-4937	212	14	10.55214/25768484.v9i2.4937	10.55214/25768484.v9i2.4937	NUM
easat-4937	212	15	©	©	PROPN
easat-4937	212	16	2025	2025	NUM
easat-4937	212	17	by	by	ADP
easat-4937	212	18	the	the	DET
easat-4937	212	19	authors	author	NOUN
easat-4937	212	20	;	;	PUNCT
easat-4937	212	21	licensee	licensee	PROPN
easat-4937	212	22	learning	learning	NOUN
easat-4937	212	23	gate	gate	VERB
easat-4937	212	24	the	the	DET
easat-4937	212	25	availability	availability	NOUN
easat-4937	212	26	of	of	ADP
easat-4937	212	27	positive	positive	ADJ
easat-4937	212	28	and	and	CCONJ
easat-4937	212	29	persuasive	persuasive	ADJ
easat-4937	212	30	content	content	NOUN
easat-4937	212	31	influences	influence	VERB
easat-4937	212	32	their	their	PRON
easat-4937	212	33	perceptions	perception	NOUN
easat-4937	212	34	,	,	PUNCT
easat-4937	212	35	reinforcing	reinforce	VERB
easat-4937	212	36	the	the	DET
easat-4937	212	37	attractiveness	attractiveness	NOUN
easat-4937	212	38	of	of	ADP
easat-4937	212	39	p2p	p2p	NOUN
easat-4937	212	40	investments	investment	NOUN
easat-4937	212	41	.	.	PUNCT
easat-4937	213	1	the	the	DET
easat-4937	213	2	role	role	NOUN
easat-4937	213	3	of	of	ADP
easat-4937	213	4	internet	internet	NOUN
easat-4937	213	5	accessibility	accessibility	NOUN
easat-4937	213	6	is	be	AUX
easat-4937	213	7	crucial	crucial	ADJ
easat-4937	213	8	in	in	ADP
easat-4937	213	9	shaping	shape	VERB
easat-4937	213	10	respondents	respondent	NOUN
easat-4937	213	11	’	'	PUNCT
easat-4937	213	12	beliefs	belief	NOUN
easat-4937	213	13	and	and	CCONJ
easat-4937	213	14	attitudes	attitude	NOUN
easat-4937	213	15	.	.	PUNCT
easat-4937	214	1	the	the	DET
easat-4937	214	2	ability	ability	NOUN
easat-4937	214	3	to	to	PART
easat-4937	214	4	easily	easily	ADV
easat-4937	214	5	obtain	obtain	VERB
easat-4937	214	6	investment	investment	NOUN
easat-4937	214	7	-	-	PUNCT
easat-4937	214	8	related	relate	VERB
easat-4937	214	9	content	content	NOUN
easat-4937	214	10	highlights	highlight	VERB
easat-4937	214	11	the	the	DET
easat-4937	214	12	importance	importance	NOUN
easat-4937	214	13	of	of	ADP
easat-4937	214	14	information	information	NOUN
easat-4937	214	15	availability	availability	NOUN
easat-4937	214	16	and	and	CCONJ
easat-4937	214	17	favorability	favorability	NOUN
easat-4937	214	18	in	in	ADP
easat-4937	214	19	decision	decision	NOUN
easat-4937	214	20	-	-	PUNCT
easat-4937	214	21	making	making	NOUN
easat-4937	214	22	.	.	PUNCT
easat-4937	215	1	while	while	SCONJ
easat-4937	215	2	ajzen	ajzen	NOUN
easat-4937	215	3	[	[	X
easat-4937	215	4	31	31	NUM
easat-4937	215	5	]	]	PUNCT
easat-4937	215	6	tpb	tpb	NOUN
easat-4937	215	7	emphasizes	emphasize	VERB
easat-4937	215	8	that	that	SCONJ
easat-4937	215	9	attitudes	attitude	NOUN
easat-4937	215	10	are	be	AUX
easat-4937	215	11	influenced	influence	VERB
easat-4937	215	12	by	by	ADP
easat-4937	215	13	beliefs	belief	NOUN
easat-4937	215	14	,	,	PUNCT
easat-4937	215	15	this	this	DET
easat-4937	215	16	study	study	NOUN
easat-4937	215	17	extends	extend	VERB
easat-4937	215	18	the	the	DET
easat-4937	215	19	framework	framework	NOUN
easat-4937	215	20	by	by	ADP
easat-4937	215	21	demonstrating	demonstrate	VERB
easat-4937	215	22	that	that	SCONJ
easat-4937	215	23	the	the	DET
easat-4937	215	24	quality	quality	NOUN
easat-4937	215	25	,	,	PUNCT
easat-4937	215	26	accessibility	accessibility	NOUN
easat-4937	215	27	,	,	PUNCT
easat-4937	215	28	and	and	CCONJ
easat-4937	215	29	favorability	favorability	NOUN
easat-4937	215	30	of	of	ADP
easat-4937	215	31	information	information	NOUN
easat-4937	215	32	play	play	VERB
easat-4937	215	33	a	a	DET
easat-4937	215	34	crucial	crucial	ADJ
easat-4937	215	35	role	role	NOUN
easat-4937	215	36	in	in	ADP
easat-4937	215	37	belief	belief	NOUN
easat-4937	215	38	formation	formation	NOUN
easat-4937	215	39	and	and	CCONJ
easat-4937	215	40	investment	investment	NOUN
easat-4937	215	41	behavior	behavior	NOUN
easat-4937	215	42	.	.	PUNCT
easat-4937	216	1	5.2	5.2	NUM
easat-4937	216	2	.	.	PUNCT
easat-4937	217	1	social	social	ADJ
easat-4937	217	2	pressure	pressure	NOUN
easat-4937	217	3	to	to	PART
easat-4937	217	4	invest	invest	VERB
easat-4937	217	5	in	in	ADP
easat-4937	217	6	p2p	p2p	NOUN
easat-4937	217	7	lending	lend	VERB
easat-4937	217	8	several	several	ADJ
easat-4937	217	9	social	social	ADJ
easat-4937	217	10	groups	group	NOUN
easat-4937	217	11	create	create	VERB
easat-4937	217	12	pressure	pressure	NOUN
easat-4937	217	13	that	that	PRON
easat-4937	217	14	shapes	shape	VERB
easat-4937	217	15	the	the	DET
easat-4937	217	16	decision	decision	NOUN
easat-4937	217	17	to	to	PART
easat-4937	217	18	invest	invest	VERB
easat-4937	217	19	in	in	ADP
easat-4937	217	20	p2p	p2p	NOUN
easat-4937	217	21	lending	lending	NOUN
easat-4937	217	22	,	,	PUNCT
easat-4937	217	23	with	with	ADP
easat-4937	217	24	family	family	NOUN
easat-4937	217	25	members	member	NOUN
easat-4937	217	26	being	be	AUX
easat-4937	217	27	a	a	DET
easat-4937	217	28	significant	significant	ADJ
easat-4937	217	29	influence	influence	NOUN
easat-4937	217	30	.	.	PUNCT
easat-4937	218	1	one	one	NUM
easat-4937	218	2	of	of	ADP
easat-4937	218	3	the	the	DET
easat-4937	218	4	respondents	respondent	NOUN
easat-4937	218	5	says	say	VERB
easat-4937	218	6	that	that	SCONJ
easat-4937	218	7	his	his	PRON
easat-4937	218	8	mother	mother	NOUN
easat-4937	218	9	recommends	recommend	VERB
easat-4937	218	10	p2p	p2p	NOUN
easat-4937	218	11	lending	lend	VERB
easat-4937	218	12	by	by	ADP
easat-4937	218	13	giving	give	VERB
easat-4937	218	14	him	he	PRON
easat-4937	218	15	the	the	DET
easat-4937	218	16	promotion	promotion	NOUN
easat-4937	218	17	code	code	NOUN
easat-4937	218	18	.	.	PUNCT
easat-4937	219	1	“	"	PUNCT
easat-4937	219	2	i	i	PRON
easat-4937	219	3	know	know	VERB
easat-4937	219	4	about	about	ADP
easat-4937	219	5	p2p	p2p	NOUN
easat-4937	219	6	lending	lend	VERB
easat-4937	219	7	from	from	ADP
easat-4937	219	8	my	my	PRON
easat-4937	219	9	mother	mother	NOUN
easat-4937	219	10	,	,	PUNCT
easat-4937	219	11	who	who	PRON
easat-4937	219	12	has	have	AUX
easat-4937	219	13	invested	invest	VERB
easat-4937	219	14	in	in	ADP
easat-4937	219	15	it	it	PRON
easat-4937	219	16	[	[	X
easat-4937	219	17	p2p	p2p	NOUN
easat-4937	219	18	lending	lending	NOUN
easat-4937	219	19	]	]	PUNCT
easat-4937	219	20	,	,	PUNCT
easat-4937	219	21	and	and	CCONJ
easat-4937	219	22	she	she	PRON
easat-4937	219	23	gave	give	VERB
easat-4937	219	24	me	i	PRON
easat-4937	219	25	the	the	DET
easat-4937	219	26	reference	reference	NOUN
easat-4937	219	27	code	code	NOUN
easat-4937	219	28	”	"	PUNCT
easat-4937	219	29	(	(	PUNCT
easat-4937	219	30	respondent_06	respondent_06	NOUN
easat-4937	219	31	)	)	PUNCT
easat-4937	219	32	although	although	SCONJ
easat-4937	219	33	the	the	DET
easat-4937	219	34	respondent	respondent	NOUN
easat-4937	219	35	does	do	AUX
easat-4937	219	36	not	not	PART
easat-4937	219	37	explicitly	explicitly	ADV
easat-4937	219	38	describe	describe	VERB
easat-4937	219	39	feeling	feeling	NOUN
easat-4937	219	40	pressured	pressure	VERB
easat-4937	219	41	by	by	ADP
easat-4937	219	42	his	his	PRON
easat-4937	219	43	mother	mother	NOUN
easat-4937	219	44	,	,	PUNCT
easat-4937	219	45	receiving	receive	VERB
easat-4937	219	46	a	a	DET
easat-4937	219	47	reference	reference	NOUN
easat-4937	219	48	code	code	NOUN
easat-4937	219	49	from	from	ADP
easat-4937	219	50	a	a	DET
easat-4937	219	51	trusted	trust	VERB
easat-4937	219	52	family	family	NOUN
easat-4937	219	53	member	member	NOUN
easat-4937	219	54	suggests	suggest	VERB
easat-4937	219	55	a	a	DET
easat-4937	219	56	strong	strong	ADJ
easat-4937	219	57	encouragement	encouragement	NOUN
easat-4937	219	58	to	to	PART
easat-4937	219	59	join	join	VERB
easat-4937	219	60	p2p	p2p	NOUN
easat-4937	219	61	lending	lending	NOUN
easat-4937	219	62	.	.	PUNCT
easat-4937	220	1	prior	prior	ADJ
easat-4937	220	2	studies	study	NOUN
easat-4937	220	3	demonstrate	demonstrate	VERB
easat-4937	220	4	that	that	SCONJ
easat-4937	220	5	family	family	NOUN
easat-4937	220	6	members	member	NOUN
easat-4937	220	7	often	often	ADV
easat-4937	220	8	serve	serve	VERB
easat-4937	220	9	as	as	ADP
easat-4937	220	10	important	important	ADJ
easat-4937	220	11	motivators	motivator	NOUN
easat-4937	220	12	for	for	SCONJ
easat-4937	220	13	individuals	individual	NOUN
easat-4937	220	14	to	to	PART
easat-4937	220	15	engage	engage	VERB
easat-4937	220	16	in	in	ADP
easat-4937	220	17	investment	investment	NOUN
easat-4937	220	18	activities	activity	NOUN
easat-4937	220	19	[	[	X
easat-4937	220	20	4	4	NUM
easat-4937	220	21	]	]	PUNCT
easat-4937	220	22	.	.	PUNCT
easat-4937	221	1	similarly	similarly	ADV
easat-4937	221	2	,	,	PUNCT
easat-4937	221	3	this	this	DET
easat-4937	221	4	study	study	NOUN
easat-4937	221	5	shows	show	VERB
easat-4937	221	6	that	that	SCONJ
easat-4937	221	7	subtle	subtle	ADJ
easat-4937	221	8	suggestions	suggestion	NOUN
easat-4937	221	9	and	and	CCONJ
easat-4937	221	10	gestures	gesture	NOUN
easat-4937	221	11	,	,	PUNCT
easat-4937	221	12	such	such	ADJ
easat-4937	221	13	as	as	ADP
easat-4937	221	14	providing	provide	VERB
easat-4937	221	15	a	a	DET
easat-4937	221	16	referral	referral	ADJ
easat-4937	221	17	code	code	NOUN
easat-4937	221	18	can	can	AUX
easat-4937	221	19	exert	exert	VERB
easat-4937	221	20	social	social	ADJ
easat-4937	221	21	pressure	pressure	NOUN
easat-4937	221	22	and	and	CCONJ
easat-4937	221	23	influence	influence	NOUN
easat-4937	221	24	investment	investment	NOUN
easat-4937	221	25	behavior	behavior	NOUN
easat-4937	221	26	.	.	PUNCT
easat-4937	222	1	for	for	ADP
easat-4937	222	2	some	some	DET
easat-4937	222	3	respondents	respondent	NOUN
easat-4937	222	4	,	,	PUNCT
easat-4937	222	5	exposure	exposure	NOUN
easat-4937	222	6	to	to	ADP
easat-4937	222	7	p2p	p2p	NOUN
easat-4937	222	8	lending	lend	VERB
easat-4937	222	9	through	through	ADP
easat-4937	222	10	friends	friend	NOUN
easat-4937	222	11	did	do	AUX
easat-4937	222	12	not	not	PART
easat-4937	222	13	immediately	immediately	ADV
easat-4937	222	14	convince	convince	VERB
easat-4937	222	15	them	they	PRON
easat-4937	222	16	.	.	PUNCT
easat-4937	223	1	instead	instead	ADV
easat-4937	223	2	,	,	PUNCT
easat-4937	223	3	they	they	PRON
easat-4937	223	4	sought	seek	VERB
easat-4937	223	5	additional	additional	ADJ
easat-4937	223	6	information	information	NOUN
easat-4937	223	7	about	about	ADP
easat-4937	223	8	p2p	p2p	NOUN
easat-4937	223	9	lending	lend	VERB
easat-4937	223	10	through	through	ADP
easat-4937	223	11	various	various	ADJ
easat-4937	223	12	social	social	ADJ
easat-4937	223	13	media	medium	NOUN
easat-4937	223	14	platforms	platform	NOUN
easat-4937	223	15	.	.	PUNCT
easat-4937	224	1	“	"	PUNCT
easat-4937	224	2	i	i	PRON
easat-4937	224	3	was	be	AUX
easat-4937	224	4	exposed	expose	VERB
easat-4937	224	5	to	to	ADP
easat-4937	224	6	p2p	p2p	NOUN
easat-4937	224	7	lending	lend	VERB
easat-4937	224	8	from	from	ADP
easat-4937	224	9	friends	friend	NOUN
easat-4937	224	10	and	and	CCONJ
easat-4937	224	11	my	my	PRON
easat-4937	224	12	circles	circle	NOUN
easat-4937	224	13	.	.	PUNCT
easat-4937	225	1	and	and	CCONJ
easat-4937	225	2	then	then	ADV
easat-4937	225	3	,	,	PUNCT
easat-4937	225	4	i	i	PRON
easat-4937	225	5	saw	see	VERB
easat-4937	225	6	several	several	ADJ
easat-4937	225	7	instagram	instagram	PROPN
easat-4937	225	8	postings	posting	NOUN
easat-4937	225	9	about	about	ADP
easat-4937	225	10	p2p	p2p	NOUN
easat-4937	225	11	lending	lending	NOUN
easat-4937	225	12	.	.	PUNCT
easat-4937	226	1	after	after	ADP
easat-4937	226	2	learning	learn	VERB
easat-4937	226	3	about	about	ADP
easat-4937	226	4	p2p	p2p	NOUN
easat-4937	226	5	,	,	PUNCT
easat-4937	226	6	i	i	PRON
easat-4937	226	7	tried	try	VERB
easat-4937	226	8	one	one	NUM
easat-4937	226	9	p2p	p2p	NOUN
easat-4937	226	10	platform	platform	NOUN
easat-4937	226	11	,	,	PUNCT
easat-4937	226	12	then	then	ADV
easat-4937	226	13	explored	explore	VERB
easat-4937	226	14	several	several	ADJ
easat-4937	226	15	others	other	NOUN
easat-4937	226	16	.	.	PUNCT
easat-4937	226	17	”	"	PUNCT
easat-4937	227	1	(	(	PUNCT
easat-4937	227	2	respondent_08	respondent_08	ADJ
easat-4937	227	3	)	)	PUNCT
easat-4937	227	4	the	the	DET
easat-4937	227	5	above	above	ADJ
easat-4937	227	6	quote	quote	INTJ
easat-4937	227	7	suggests	suggest	VERB
easat-4937	227	8	that	that	SCONJ
easat-4937	227	9	initial	initial	ADJ
easat-4937	227	10	social	social	ADJ
easat-4937	227	11	exposure	exposure	NOUN
easat-4937	227	12	prompted	prompt	VERB
easat-4937	227	13	further	further	ADJ
easat-4937	227	14	personal	personal	ADJ
easat-4937	227	15	research	research	NOUN
easat-4937	227	16	rather	rather	ADV
easat-4937	227	17	than	than	ADP
easat-4937	227	18	immediate	immediate	ADJ
easat-4937	227	19	investment	investment	NOUN
easat-4937	227	20	.	.	PUNCT
easat-4937	228	1	while	while	SCONJ
easat-4937	228	2	existing	exist	VERB
easat-4937	228	3	studies	study	NOUN
easat-4937	228	4	found	find	VERB
easat-4937	228	5	individuals	individual	NOUN
easat-4937	228	6	are	be	AUX
easat-4937	228	7	more	more	ADV
easat-4937	228	8	likely	likely	ADJ
easat-4937	228	9	to	to	PART
easat-4937	228	10	invest	invest	VERB
easat-4937	228	11	in	in	ADP
easat-4937	228	12	p2p	p2p	NOUN
easat-4937	228	13	loans	loan	NOUN
easat-4937	228	14	when	when	SCONJ
easat-4937	228	15	they	they	PRON
easat-4937	228	16	observe	observe	VERB
easat-4937	228	17	their	their	PRON
easat-4937	228	18	peers	peer	NOUN
easat-4937	228	19	doing	do	VERB
easat-4937	228	20	so	so	ADV
easat-4937	228	21	caglayan	caglayan	NOUN
easat-4937	228	22	,	,	PUNCT
easat-4937	228	23	et	et	PROPN
easat-4937	228	24	al	al	PROPN
easat-4937	228	25	.	.	PUNCT
easat-4937	229	1	[	[	X
easat-4937	229	2	7	7	NUM
easat-4937	229	3	]	]	PUNCT
easat-4937	229	4	;	;	PUNCT
easat-4937	229	5	gonzalez	gonzalez	PROPN
easat-4937	230	1	[	[	X
easat-4937	230	2	8	8	NUM
easat-4937	230	3	]	]	PUNCT
easat-4937	230	4	;	;	PUNCT
easat-4937	230	5	gonzalez	gonzalez	PROPN
easat-4937	231	1	[	[	X
easat-4937	231	2	25	25	NUM
easat-4937	231	3	]	]	PUNCT
easat-4937	231	4	and	and	CCONJ
easat-4937	231	5	shao	shao	PROPN
easat-4937	231	6	and	and	CCONJ
easat-4937	231	7	bo	bo	VERB
easat-4937	232	1	[	[	X
easat-4937	232	2	9	9	X
easat-4937	232	3	]	]	PUNCT
easat-4937	232	4	this	this	DET
easat-4937	232	5	study	study	NOUN
easat-4937	232	6	provides	provide	VERB
easat-4937	232	7	variability	variability	NOUN
easat-4937	232	8	in	in	ADP
easat-4937	232	9	how	how	SCONJ
easat-4937	232	10	individuals	individual	NOUN
easat-4937	232	11	respond	respond	VERB
easat-4937	232	12	to	to	ADP
easat-4937	232	13	social	social	ADJ
easat-4937	232	14	influences	influence	NOUN
easat-4937	232	15	in	in	ADP
easat-4937	232	16	financial	financial	ADJ
easat-4937	232	17	contexts	contexts	NOUN
easat-4937	232	18	.	.	PUNCT
easat-4937	233	1	in	in	ADP
easat-4937	233	2	this	this	DET
easat-4937	233	3	study	study	NOUN
easat-4937	233	4	,	,	PUNCT
easat-4937	233	5	the	the	DET
easat-4937	233	6	respondents	respondent	NOUN
easat-4937	233	7	use	use	VERB
easat-4937	233	8	social	social	ADJ
easat-4937	233	9	cues	cue	NOUN
easat-4937	233	10	as	as	ADP
easat-4937	233	11	a	a	DET
easat-4937	233	12	starting	starting	NOUN
easat-4937	233	13	point	point	NOUN
easat-4937	233	14	for	for	ADP
easat-4937	233	15	more	more	ADJ
easat-4937	233	16	in	in	ADP
easat-4937	233	17	-	-	PUNCT
easat-4937	233	18	depth	depth	NOUN
easat-4937	233	19	investigation	investigation	NOUN
easat-4937	233	20	.	.	PUNCT
easat-4937	234	1	moreover	moreover	ADV
easat-4937	234	2	,	,	PUNCT
easat-4937	234	3	social	social	ADJ
easat-4937	234	4	media	medium	NOUN
easat-4937	234	5	influencers	influencer	NOUN
easat-4937	234	6	also	also	ADV
easat-4937	234	7	play	play	VERB
easat-4937	234	8	an	an	DET
easat-4937	234	9	essential	essential	ADJ
easat-4937	234	10	role	role	NOUN
easat-4937	234	11	in	in	ADP
easat-4937	234	12	respondents	respondent	NOUN
easat-4937	234	13	’	'	PUNCT
easat-4937	234	14	decision	decision	NOUN
easat-4937	234	15	to	to	PART
easat-4937	234	16	invest	invest	VERB
easat-4937	234	17	in	in	ADP
easat-4937	234	18	p2p	p2p	NOUN
easat-4937	234	19	lending	lending	NOUN
easat-4937	234	20	.	.	PUNCT
easat-4937	235	1	for	for	ADP
easat-4937	235	2	instance	instance	NOUN
easat-4937	235	3	,	,	PUNCT
easat-4937	235	4	the	the	DET
easat-4937	235	5	following	follow	VERB
easat-4937	235	6	respondent	respondent	NOUN
easat-4937	235	7	says	say	VERB
easat-4937	235	8	that	that	SCONJ
easat-4937	235	9	she	she	PRON
easat-4937	235	10	was	be	AUX
easat-4937	235	11	convinced	convince	VERB
easat-4937	235	12	to	to	PART
easat-4937	235	13	invest	invest	VERB
easat-4937	235	14	in	in	ADP
easat-4937	235	15	p2p	p2p	NOUN
easat-4937	235	16	lending	lending	NOUN
easat-4937	235	17	because	because	SCONJ
easat-4937	235	18	of	of	ADP
easat-4937	235	19	a	a	DET
easat-4937	235	20	posting	posting	NOUN
easat-4937	235	21	by	by	ADP
easat-4937	235	22	a	a	DET
easat-4937	235	23	well	well	ADV
easat-4937	235	24	-	-	PUNCT
easat-4937	235	25	known	know	VERB
easat-4937	235	26	financial	financial	ADJ
easat-4937	235	27	influencer	influencer	NOUN
easat-4937	235	28	in	in	ADP
easat-4937	235	29	indonesia	indonesia	PROPN
easat-4937	235	30	on	on	ADP
easat-4937	235	31	a	a	DET
easat-4937	235	32	social	social	ADJ
easat-4937	235	33	media	medium	NOUN
easat-4937	235	34	platform	platform	NOUN
easat-4937	235	35	.	.	PUNCT
easat-4937	236	1	“	"	PUNCT
easat-4937	236	2	i	i	PRON
easat-4937	236	3	became	become	VERB
easat-4937	236	4	interested	interested	ADJ
easat-4937	236	5	in	in	ADP
easat-4937	236	6	joining	join	VERB
easat-4937	236	7	the	the	DET
easat-4937	236	8	p2p	p2p	NOUN
easat-4937	236	9	lending	lending	NOUN
easat-4937	236	10	platform	platform	NOUN
easat-4937	236	11	because	because	SCONJ
easat-4937	236	12	i	i	PRON
easat-4937	236	13	saw	see	VERB
easat-4937	236	14	advertisements	advertisement	NOUN
easat-4937	236	15	from	from	ADP
easat-4937	236	16	a	a	DET
easat-4937	236	17	financial	financial	ADJ
easat-4937	236	18	influencer	influencer	NOUN
easat-4937	236	19	about	about	ADP
easat-4937	236	20	the	the	DET
easat-4937	236	21	application	application	NOUN
easat-4937	236	22	on	on	ADP
easat-4937	236	23	tiktok	tiktok	NOUN
easat-4937	236	24	.	.	PUNCT
easat-4937	236	25	”	"	PUNCT
easat-4937	237	1	(	(	PUNCT
easat-4937	237	2	respondent_04	respondent_04	NOUN
easat-4937	237	3	)	)	PUNCT
easat-4937	237	4	social	social	ADJ
easat-4937	237	5	influencers	influencer	NOUN
easat-4937	237	6	,	,	PUNCT
easat-4937	237	7	often	often	ADV
easat-4937	237	8	ordinary	ordinary	ADJ
easat-4937	237	9	individuals	individual	NOUN
easat-4937	237	10	who	who	PRON
easat-4937	237	11	gain	gain	VERB
easat-4937	237	12	fame	fame	NOUN
easat-4937	237	13	through	through	ADP
easat-4937	237	14	social	social	ADJ
easat-4937	237	15	media	medium	NOUN
easat-4937	237	16	are	be	AUX
easat-4937	237	17	valued	value	VERB
easat-4937	237	18	for	for	ADP
easat-4937	237	19	their	their	PRON
easat-4937	237	20	approachability	approachability	NOUN
easat-4937	237	21	,	,	PUNCT
easat-4937	237	22	authenticity	authenticity	NOUN
easat-4937	237	23	,	,	PUNCT
easat-4937	237	24	and	and	CCONJ
easat-4937	237	25	friendliness	friendliness	VERB
easat-4937	238	1	[	[	X
easat-4937	238	2	64	64	NUM
easat-4937	238	3	]	]	PUNCT
easat-4937	238	4	.	.	PUNCT
easat-4937	239	1	research	research	NOUN
easat-4937	239	2	shows	show	VERB
easat-4937	239	3	that	that	SCONJ
easat-4937	239	4	these	these	DET
easat-4937	239	5	influencers	influencer	NOUN
easat-4937	239	6	can	can	AUX
easat-4937	239	7	significantly	significantly	ADV
easat-4937	239	8	impact	impact	VERB
easat-4937	239	9	purchasing	purchasing	NOUN
easat-4937	239	10	behavior	behavior	NOUN
easat-4937	239	11	,	,	PUNCT
easat-4937	239	12	as	as	SCONJ
easat-4937	239	13	followers	follower	NOUN
easat-4937	239	14	perceive	perceive	VERB
easat-4937	239	15	them	they	PRON
easat-4937	239	16	as	as	ADP
easat-4937	239	17	trustworthy	trustworthy	ADJ
easat-4937	239	18	sources	source	NOUN
easat-4937	239	19	,	,	PUNCT
easat-4937	239	20	which	which	PRON
easat-4937	239	21	helps	help	VERB
easat-4937	239	22	reduce	reduce	VERB
easat-4937	239	23	the	the	DET
easat-4937	239	24	perceived	perceive	VERB
easat-4937	239	25	risk	risk	NOUN
easat-4937	239	26	associated	associate	VERB
easat-4937	239	27	with	with	ADP
easat-4937	239	28	endorsed	endorse	VERB
easat-4937	239	29	products	product	NOUN
easat-4937	239	30	or	or	CCONJ
easat-4937	239	31	services	service	NOUN
easat-4937	239	32	[	[	X
easat-4937	239	33	64	64	NUM
easat-4937	239	34	]	]	PUNCT
easat-4937	239	35	.	.	PUNCT
easat-4937	240	1	this	this	DET
easat-4937	240	2	study	study	NOUN
easat-4937	240	3	reflects	reflect	VERB
easat-4937	240	4	a	a	DET
easat-4937	240	5	similar	similar	ADJ
easat-4937	240	6	trend	trend	NOUN
easat-4937	240	7	,	,	PUNCT
easat-4937	240	8	with	with	ADP
easat-4937	240	9	respondents	respondent	NOUN
easat-4937	240	10	expressing	express	VERB
easat-4937	240	11	trust	trust	NOUN
easat-4937	240	12	in	in	ADP
easat-4937	240	13	well	well	ADV
easat-4937	240	14	-	-	PUNCT
easat-4937	240	15	known	know	VERB
easat-4937	240	16	financial	financial	ADJ
easat-4937	240	17	influencers	influencer	NOUN
easat-4937	240	18	in	in	ADP
easat-4937	240	19	indonesia	indonesia	PROPN
easat-4937	240	20	,	,	PUNCT
easat-4937	240	21	which	which	PRON
easat-4937	240	22	in	in	ADP
easat-4937	240	23	turn	turn	NOUN
easat-4937	240	24	influenced	influence	VERB
easat-4937	240	25	their	their	PRON
easat-4937	240	26	decisions	decision	NOUN
easat-4937	240	27	to	to	PART
easat-4937	240	28	invest	invest	VERB
easat-4937	240	29	in	in	ADP
easat-4937	240	30	p2p	p2p	NOUN
easat-4937	240	31	lending	lending	NOUN
easat-4937	240	32	.	.	PUNCT
easat-4937	241	1	their	their	PRON
easat-4937	241	2	influence	influence	NOUN
easat-4937	241	3	is	be	AUX
easat-4937	241	4	further	far	ADV
easat-4937	241	5	reinforced	reinforce	VERB
easat-4937	241	6	by	by	ADP
easat-4937	241	7	followers	follower	NOUN
easat-4937	241	8	’	’	PART
easat-4937	241	9	perceptions	perception	NOUN
easat-4937	241	10	of	of	ADP
easat-4937	241	11	them	they	PRON
easat-4937	241	12	as	as	ADP
easat-4937	241	13	reliable	reliable	ADJ
easat-4937	241	14	sources	source	NOUN
easat-4937	241	15	of	of	ADP
easat-4937	241	16	information	information	NOUN
easat-4937	241	17	[	[	X
easat-4937	241	18	64	64	NUM
easat-4937	241	19	,	,	PUNCT
easat-4937	241	20	65	65	NUM
easat-4937	241	21	]	]	PUNCT
easat-4937	241	22	.	.	PUNCT
easat-4937	242	1	this	this	DET
easat-4937	242	2	study	study	NOUN
easat-4937	242	3	identifies	identify	VERB
easat-4937	242	4	two	two	NUM
easat-4937	242	5	key	key	ADJ
easat-4937	242	6	sources	source	NOUN
easat-4937	242	7	of	of	ADP
easat-4937	242	8	social	social	ADJ
easat-4937	242	9	pressure	pressure	NOUN
easat-4937	242	10	in	in	ADP
easat-4937	242	11	shaping	shape	VERB
easat-4937	242	12	p2p	p2p	NOUN
easat-4937	242	13	lending	lending	NOUN
easat-4937	242	14	decisions	decision	NOUN
easat-4937	242	15	:	:	PUNCT
easat-4937	242	16	family	family	NOUN
easat-4937	242	17	and	and	CCONJ
easat-4937	242	18	social	social	ADJ
easat-4937	242	19	influencers	influencer	NOUN
easat-4937	242	20	.	.	PUNCT
easat-4937	243	1	strong	strong	ADJ
easat-4937	243	2	opinions	opinion	NOUN
easat-4937	243	3	from	from	ADP
easat-4937	243	4	family	family	NOUN
easat-4937	243	5	members	member	NOUN
easat-4937	243	6	can	can	AUX
easat-4937	243	7	significantly	significantly	ADV
easat-4937	243	8	influence	influence	VERB
easat-4937	243	9	an	an	DET
easat-4937	243	10	individual	individual	NOUN
easat-4937	243	11	's	's	PART
easat-4937	243	12	motivation	motivation	NOUN
easat-4937	243	13	to	to	PART
easat-4937	243	14	engage	engage	VERB
easat-4937	243	15	in	in	ADP
easat-4937	243	16	specific	specific	ADJ
easat-4937	243	17	behaviors	behavior	NOUN
easat-4937	243	18	[	[	X
easat-4937	243	19	30	30	NUM
easat-4937	243	20	]	]	PUNCT
easat-4937	243	21	.	.	PUNCT
easat-4937	244	1	for	for	ADP
easat-4937	244	2	instance	instance	NOUN
easat-4937	244	3	,	,	PUNCT
easat-4937	244	4	family	family	NOUN
easat-4937	244	5	members	member	NOUN
easat-4937	244	6	may	may	AUX
easat-4937	244	7	perceive	perceive	VERB
easat-4937	244	8	p2p	p2p	NOUN
easat-4937	244	9	lending	lending	NOUN
easat-4937	244	10	as	as	ADP
easat-4937	244	11	a	a	DET
easat-4937	244	12	smart	smart	ADJ
easat-4937	244	13	investment	investment	NOUN
easat-4937	244	14	,	,	PUNCT
easat-4937	244	15	creating	create	VERB
easat-4937	244	16	social	social	ADJ
easat-4937	244	17	pressure	pressure	NOUN
easat-4937	244	18	for	for	SCONJ
easat-4937	244	19	others	other	NOUN
easat-4937	244	20	to	to	PART
easat-4937	244	21	follow	follow	VERB
easat-4937	244	22	suit	suit	NOUN
easat-4937	244	23	to	to	PART
easat-4937	244	24	align	align	VERB
easat-4937	244	25	with	with	ADP
easat-4937	244	26	social	social	ADJ
easat-4937	244	27	norms	norm	NOUN
easat-4937	244	28	or	or	CCONJ
easat-4937	244	29	gain	gain	VERB
easat-4937	244	30	approval	approval	NOUN
easat-4937	244	31	which	which	PRON
easat-4937	244	32	fosters	foster	VERB
easat-4937	244	33	injunctive	injunctive	ADJ
easat-4937	244	34	normative	normative	ADJ
easat-4937	244	35	beliefs	belief	NOUN
easat-4937	244	36	.	.	PUNCT
easat-4937	245	1	this	this	PRON
easat-4937	245	2	is	be	AUX
easat-4937	245	3	even	even	ADV
easat-4937	245	4	more	more	ADV
easat-4937	245	5	pronounced	pronounce	VERB
easat-4937	245	6	in	in	ADP
easat-4937	245	7	an	an	DET
easat-4937	245	8	asian	asian	ADJ
easat-4937	245	9	culture	culture	NOUN
easat-4937	245	10	,	,	PUNCT
easat-4937	245	11	such	such	ADJ
easat-4937	245	12	as	as	ADP
easat-4937	245	13	indonesia	indonesia	PROPN
easat-4937	245	14	where	where	SCONJ
easat-4937	245	15	children	child	NOUN
easat-4937	245	16	tend	tend	VERB
easat-4937	245	17	to	to	PART
easat-4937	245	18	be	be	AUX
easat-4937	245	19	more	more	ADV
easat-4937	245	20	submissive	submissive	ADJ
easat-4937	245	21	to	to	ADP
easat-4937	245	22	their	their	PRON
easat-4937	245	23	parents	parent	NOUN
easat-4937	245	24	[	[	X
easat-4937	245	25	66	66	NUM
easat-4937	245	26	]	]	PUNCT
easat-4937	245	27	.	.	PUNCT
easat-4937	246	1	additionally	additionally	ADV
easat-4937	246	2	,	,	PUNCT
easat-4937	246	3	the	the	DET
easat-4937	246	4	role	role	NOUN
easat-4937	246	5	of	of	ADP
easat-4937	246	6	social	social	ADJ
easat-4937	246	7	influencers	influencer	NOUN
easat-4937	246	8	also	also	ADV
easat-4937	246	9	plays	play	VERB
easat-4937	246	10	a	a	DET
easat-4937	246	11	significant	significant	ADJ
easat-4937	246	12	role	role	NOUN
easat-4937	246	13	by	by	ADP
easat-4937	246	14	reaching	reach	VERB
easat-4937	246	15	a	a	DET
easat-4937	246	16	large	large	ADJ
easat-4937	246	17	audience	audience	NOUN
easat-4937	247	1	[	[	X
easat-4937	247	2	64	64	NUM
easat-4937	247	3	,	,	PUNCT
easat-4937	247	4	1846	1846	NUM
easat-4937	247	5	edelweiss	edelweiss	PROPN
easat-4937	247	6	applied	apply	VERB
easat-4937	247	7	science	science	NOUN
easat-4937	247	8	and	and	CCONJ
easat-4937	247	9	technology	technology	NOUN
easat-4937	247	10	issn	issn	PROPN
easat-4937	247	11	:	:	PUNCT
easat-4937	247	12	2576	2576	NUM
easat-4937	247	13	-	-	SYM
easat-4937	247	14	8484	8484	NUM
easat-4937	247	15	vol	vol	NOUN
easat-4937	247	16	.	.	PROPN
easat-4937	248	1	9	9	NUM
easat-4937	248	2	,	,	PUNCT
easat-4937	248	3	no	no	INTJ
easat-4937	248	4	.	.	NOUN
easat-4937	248	5	2	2	NUM
easat-4937	248	6	:	:	SYM
easat-4937	248	7	1839	1839	NUM
easat-4937	248	8	-	-	SYM
easat-4937	248	9	1851	1851	NUM
easat-4937	248	10	,	,	PUNCT
easat-4937	248	11	2025	2025	NUM
easat-4937	248	12	doi	doi	NOUN
easat-4937	248	13	:	:	PUNCT
easat-4937	248	14	10.55214/25768484.v9i2.4937	10.55214/25768484.v9i2.4937	NUM
easat-4937	248	15	©	©	PROPN
easat-4937	248	16	2025	2025	NUM
easat-4937	248	17	by	by	ADP
easat-4937	248	18	the	the	DET
easat-4937	248	19	authors	author	NOUN
easat-4937	248	20	;	;	PUNCT
easat-4937	248	21	licensee	licensee	PROPN
easat-4937	248	22	learning	learning	NOUN
easat-4937	248	23	gate	gate	NOUN
easat-4937	248	24	65	65	NUM
easat-4937	248	25	]	]	PUNCT
easat-4937	248	26	.	.	PUNCT
easat-4937	249	1	their	their	PRON
easat-4937	249	2	endorsements	endorsement	NOUN
easat-4937	249	3	on	on	ADP
easat-4937	249	4	social	social	ADJ
easat-4937	249	5	media	medium	NOUN
easat-4937	249	6	can	can	AUX
easat-4937	249	7	compel	compel	VERB
easat-4937	249	8	followers	follower	NOUN
easat-4937	249	9	to	to	PART
easat-4937	249	10	engage	engage	VERB
easat-4937	249	11	in	in	ADP
easat-4937	249	12	recommended	recommend	VERB
easat-4937	249	13	behaviors	behavior	NOUN
easat-4937	249	14	,	,	PUNCT
easat-4937	249	15	fostering	foster	VERB
easat-4937	249	16	descriptive	descriptive	ADJ
easat-4937	249	17	normative	normative	ADJ
easat-4937	249	18	beliefs	belief	NOUN
easat-4937	249	19	by	by	ADP
easat-4937	249	20	making	make	VERB
easat-4937	249	21	the	the	DET
easat-4937	249	22	influencers	influencer	NOUN
easat-4937	249	23	'	'	PART
easat-4937	249	24	actions	action	NOUN
easat-4937	249	25	seem	seem	VERB
easat-4937	249	26	like	like	ADP
easat-4937	249	27	common	common	ADJ
easat-4937	249	28	practices	practice	NOUN
easat-4937	249	29	embraced	embrace	VERB
easat-4937	249	30	by	by	ADP
easat-4937	249	31	others	other	NOUN
easat-4937	249	32	[	[	X
easat-4937	249	33	30	30	NUM
easat-4937	249	34	]	]	PUNCT
easat-4937	249	35	.	.	PUNCT
easat-4937	250	1	thus	thus	ADV
easat-4937	250	2	,	,	PUNCT
easat-4937	250	3	this	this	DET
easat-4937	250	4	study	study	NOUN
easat-4937	250	5	extends	extend	VERB
easat-4937	250	6	[	[	X
easat-4937	250	7	30	30	NUM
easat-4937	250	8	]	]	PUNCT
easat-4937	250	9	tpb	tpb	NOUN
easat-4937	250	10	by	by	ADP
easat-4937	250	11	demonstrating	demonstrate	VERB
easat-4937	250	12	that	that	SCONJ
easat-4937	250	13	social	social	ADJ
easat-4937	250	14	influence	influence	NOUN
easat-4937	250	15	in	in	ADP
easat-4937	250	16	investment	investment	NOUN
easat-4937	250	17	decisions	decision	NOUN
easat-4937	250	18	is	be	AUX
easat-4937	250	19	reinforced	reinforce	VERB
easat-4937	250	20	not	not	PART
easat-4937	250	21	only	only	ADV
easat-4937	250	22	by	by	ADP
easat-4937	250	23	close	close	ADJ
easat-4937	250	24	family	family	NOUN
easat-4937	250	25	members	member	NOUN
easat-4937	250	26	but	but	CCONJ
easat-4937	250	27	also	also	ADV
easat-4937	250	28	by	by	ADP
easat-4937	250	29	digital	digital	ADJ
easat-4937	250	30	communities	community	NOUN
easat-4937	250	31	,	,	PUNCT
easat-4937	250	32	including	include	VERB
easat-4937	250	33	influencers	influencer	NOUN
easat-4937	250	34	and	and	CCONJ
easat-4937	250	35	social	social	ADJ
easat-4937	250	36	media	medium	NOUN
easat-4937	250	37	content	content	NOUN
easat-4937	250	38	.	.	PUNCT
easat-4937	251	1	5.3	5.3	NUM
easat-4937	251	2	.	.	PUNCT
easat-4937	251	3	perceived	perceive	VERB
easat-4937	251	4	behavioral	behavioral	ADJ
easat-4937	251	5	control	control	NOUN
easat-4937	251	6	over	over	ADP
easat-4937	251	7	investing	invest	VERB
easat-4937	251	8	in	in	ADP
easat-4937	251	9	p2p	p2p	NOUN
easat-4937	251	10	lending	lending	NOUN
easat-4937	251	11	respondents	respondent	NOUN
easat-4937	251	12	report	report	VERB
easat-4937	251	13	a	a	DET
easat-4937	251	14	sense	sense	NOUN
easat-4937	251	15	of	of	ADP
easat-4937	251	16	autonomy	autonomy	NOUN
easat-4937	251	17	in	in	ADP
easat-4937	251	18	making	make	VERB
easat-4937	251	19	their	their	PRON
easat-4937	251	20	p2p	p2p	NOUN
easat-4937	251	21	investment	investment	NOUN
easat-4937	251	22	decisions	decision	NOUN
easat-4937	251	23	.	.	PUNCT
easat-4937	252	1	they	they	PRON
easat-4937	252	2	value	value	VERB
easat-4937	252	3	the	the	DET
easat-4937	252	4	flexibility	flexibility	NOUN
easat-4937	252	5	to	to	PART
easat-4937	252	6	select	select	VERB
easat-4937	252	7	the	the	DET
easat-4937	252	8	platform	platform	NOUN
easat-4937	252	9	,	,	PUNCT
easat-4937	252	10	determine	determine	VERB
easat-4937	252	11	the	the	DET
easat-4937	252	12	investment	investment	NOUN
easat-4937	252	13	duration	duration	NOUN
easat-4937	252	14	,	,	PUNCT
easat-4937	252	15	and	and	CCONJ
easat-4937	252	16	even	even	ADV
easat-4937	252	17	choose	choose	VERB
easat-4937	252	18	the	the	DET
easat-4937	252	19	borrowers	borrower	NOUN
easat-4937	252	20	.	.	PUNCT
easat-4937	253	1	when	when	SCONJ
easat-4937	253	2	it	it	PRON
easat-4937	253	3	comes	come	VERB
easat-4937	253	4	to	to	ADP
easat-4937	253	5	platform	platform	NOUN
easat-4937	253	6	selection	selection	NOUN
easat-4937	253	7	,	,	PUNCT
easat-4937	253	8	respondents	respondent	NOUN
easat-4937	253	9	employed	employ	VERB
easat-4937	253	10	various	various	ADJ
easat-4937	253	11	strategies	strategy	NOUN
easat-4937	253	12	to	to	PART
easat-4937	253	13	ensure	ensure	VERB
easat-4937	253	14	the	the	DET
easat-4937	253	15	platform	platform	NOUN
easat-4937	253	16	's	's	PART
easat-4937	253	17	security	security	NOUN
easat-4937	253	18	.	.	PUNCT
easat-4937	254	1	one	one	NUM
easat-4937	254	2	such	such	ADJ
easat-4937	254	3	strategy	strategy	NOUN
easat-4937	254	4	involved	involve	VERB
easat-4937	254	5	checking	check	VERB
easat-4937	254	6	the	the	DET
easat-4937	254	7	payment	payment	NOUN
easat-4937	254	8	success	success	NOUN
easat-4937	254	9	rate	rate	NOUN
easat-4937	254	10	before	before	ADP
easat-4937	254	11	committing	commit	VERB
easat-4937	254	12	to	to	ADP
easat-4937	254	13	an	an	DET
easat-4937	254	14	investment	investment	NOUN
easat-4937	254	15	.	.	PUNCT
easat-4937	255	1	“	"	PUNCT
easat-4937	255	2	ah	ah	INTJ
easat-4937	255	3	yes	yes	INTJ
easat-4937	255	4	,	,	PUNCT
easat-4937	255	5	i	i	PRON
easat-4937	255	6	also	also	ADV
easat-4937	255	7	search	search	VERB
easat-4937	255	8	for	for	ADP
easat-4937	255	9	payment	payment	NOUN
easat-4937	255	10	success	success	NOUN
easat-4937	255	11	rate	rate	NOUN
easat-4937	255	12	before	before	SCONJ
easat-4937	255	13	i	i	PRON
easat-4937	255	14	decide	decide	VERB
easat-4937	255	15	to	to	PART
easat-4937	255	16	invest	invest	VERB
easat-4937	255	17	in	in	ADP
easat-4937	255	18	any	any	DET
easat-4937	255	19	platforms	platform	NOUN
easat-4937	255	20	.	.	PUNCT
easat-4937	256	1	i	i	PRON
easat-4937	256	2	looked	look	VERB
easat-4937	256	3	for	for	ADP
easat-4937	256	4	this	this	DET
easat-4937	256	5	information	information	NOUN
easat-4937	256	6	in	in	ADP
easat-4937	256	7	the	the	DET
easat-4937	256	8	respective	respective	ADJ
easat-4937	256	9	[	[	X
easat-4937	256	10	p2p	p2p	X
easat-4937	256	11	]	]	PUNCT
easat-4937	256	12	platform	platform	NOUN
easat-4937	256	13	.	.	PUNCT
easat-4937	257	1	so	so	ADV
easat-4937	257	2	,	,	PUNCT
easat-4937	257	3	i	i	PRON
easat-4937	257	4	briefly	briefly	ADV
easat-4937	257	5	reviewed	review	VERB
easat-4937	257	6	the	the	DET
easat-4937	257	7	payment	payment	NOUN
easat-4937	257	8	success	success	NOUN
easat-4937	257	9	rate	rate	NOUN
easat-4937	257	10	information	information	NOUN
easat-4937	257	11	for	for	ADP
easat-4937	257	12	[	[	X
easat-4937	257	13	platform	platform	NOUN
easat-4937	257	14	]	]	PUNCT
easat-4937	257	15	”	"	PUNCT
easat-4937	257	16	(	(	PUNCT
easat-4937	257	17	respondent_06	respondent_06	NOUN
easat-4937	257	18	)	)	PUNCT
easat-4937	257	19	additionally	additionally	ADV
easat-4937	257	20	,	,	PUNCT
easat-4937	257	21	the	the	DET
easat-4937	257	22	role	role	NOUN
easat-4937	257	23	of	of	ADP
easat-4937	257	24	indonesian	indonesian	ADJ
easat-4937	257	25	financial	financial	ADJ
easat-4937	257	26	services	service	NOUN
easat-4937	257	27	authority	authority	NOUN
easat-4937	257	28	(	(	PUNCT
easat-4937	257	29	otoritas	otoritas	PROPN
easat-4937	257	30	jasa	jasa	PROPN
easat-4937	257	31	keuangan	keuangan	PROPN
easat-4937	257	32	ojk	ojk	NOUN
easat-4937	257	33	)	)	PUNCT
easat-4937	257	34	is	be	AUX
easat-4937	257	35	significant	significant	ADJ
easat-4937	257	36	to	to	PART
easat-4937	257	37	ensure	ensure	VERB
easat-4937	257	38	the	the	DET
easat-4937	257	39	platform	platform	NOUN
easat-4937	257	40	security	security	NOUN
easat-4937	257	41	.	.	PUNCT
easat-4937	258	1	“	"	PUNCT
easat-4937	258	2	oh	oh	INTJ
easat-4937	258	3	,	,	PUNCT
easat-4937	258	4	at	at	ADP
easat-4937	258	5	that	that	DET
easat-4937	258	6	time	time	NOUN
easat-4937	258	7	i	i	PRON
easat-4937	258	8	also	also	ADV
easat-4937	258	9	checked	check	VERB
easat-4937	258	10	whether	whether	SCONJ
easat-4937	258	11	the	the	DET
easat-4937	258	12	platform	platform	NOUN
easat-4937	258	13	is	be	AUX
easat-4937	258	14	registered	register	VERB
easat-4937	258	15	in	in	ADP
easat-4937	258	16	ojk	ojk	NOUN
easat-4937	258	17	via	via	ADP
easat-4937	258	18	[	[	X
easat-4937	258	19	ojk	ojk	NOUN
easat-4937	258	20	]	]	X
easat-4937	258	21	website	website	NOUN
easat-4937	258	22	”	"	PUNCT
easat-4937	258	23	(	(	PUNCT
easat-4937	258	24	respondent_07	respondent_07	X
easat-4937	258	25	)	)	PUNCT
easat-4937	258	26	another	another	DET
easat-4937	258	27	factor	factor	NOUN
easat-4937	258	28	that	that	PRON
easat-4937	258	29	ensures	ensure	VERB
easat-4937	258	30	respondents	respondent	NOUN
easat-4937	258	31	of	of	ADP
easat-4937	258	32	the	the	DET
easat-4937	258	33	platform	platform	NOUN
easat-4937	258	34	security	security	NOUN
easat-4937	258	35	is	be	AUX
easat-4937	258	36	whether	whether	SCONJ
easat-4937	258	37	the	the	DET
easat-4937	258	38	platform	platform	NOUN
easat-4937	258	39	is	be	AUX
easat-4937	258	40	supported	support	VERB
easat-4937	258	41	by	by	ADP
easat-4937	258	42	any	any	DET
easat-4937	258	43	insurance	insurance	NOUN
easat-4937	258	44	companies	company	NOUN
easat-4937	258	45	.	.	PUNCT
easat-4937	259	1	“	"	PUNCT
easat-4937	259	2	additionally	additionally	ADV
easat-4937	259	3	,	,	PUNCT
easat-4937	259	4	i	i	PRON
easat-4937	259	5	also	also	ADV
easat-4937	259	6	checked	check	VERB
easat-4937	259	7	what	what	DET
easat-4937	259	8	type	type	NOUN
easat-4937	259	9	of	of	ADP
easat-4937	259	10	insurance	insurance	NOUN
easat-4937	259	11	that	that	PRON
easat-4937	259	12	back	back	VERB
easat-4937	259	13	[	[	X
easat-4937	259	14	p2p	p2p	NOUN
easat-4937	259	15	]	]	X
easat-4937	259	16	platform	platform	NOUN
easat-4937	259	17	because	because	SCONJ
easat-4937	259	18	usually	usually	ADV
easat-4937	259	19	every	every	DET
easat-4937	259	20	p2p	p2p	NOUN
easat-4937	259	21	lending	lending	NOUN
easat-4937	259	22	platform	platform	NOUN
easat-4937	259	23	has	have	VERB
easat-4937	259	24	insurance	insurance	NOUN
easat-4937	259	25	coverage	coverage	NOUN
easat-4937	259	26	.	.	PUNCT
easat-4937	259	27	”	"	PUNCT
easat-4937	260	1	(	(	PUNCT
easat-4937	260	2	respondent_01	respondent_01	NOUN
easat-4937	260	3	)	)	PUNCT
easat-4937	260	4	research	research	NOUN
easat-4937	260	5	indicates	indicate	VERB
easat-4937	260	6	that	that	SCONJ
easat-4937	260	7	lenders	lender	NOUN
easat-4937	260	8	prefer	prefer	VERB
easat-4937	260	9	to	to	PART
easat-4937	260	10	invest	invest	VERB
easat-4937	260	11	in	in	ADP
easat-4937	260	12	platforms	platform	NOUN
easat-4937	260	13	that	that	PRON
easat-4937	260	14	offer	offer	VERB
easat-4937	260	15	security	security	NOUN
easat-4937	260	16	,	,	PUNCT
easat-4937	260	17	transparency	transparency	NOUN
easat-4937	260	18	,	,	PUNCT
easat-4937	260	19	and	and	CCONJ
easat-4937	260	20	reputation	reputation	NOUN
easat-4937	261	1	[	[	X
easat-4937	261	2	23	23	NUM
easat-4937	261	3	]	]	PUNCT
easat-4937	261	4	.	.	PUNCT
easat-4937	262	1	consistent	consistent	ADJ
easat-4937	262	2	with	with	ADP
easat-4937	262	3	prior	prior	ADJ
easat-4937	262	4	studies	study	NOUN
easat-4937	262	5	,	,	PUNCT
easat-4937	262	6	these	these	DET
easat-4937	262	7	findings	finding	NOUN
easat-4937	262	8	highlight	highlight	VERB
easat-4937	262	9	the	the	DET
easat-4937	262	10	critical	critical	ADJ
easat-4937	262	11	role	role	NOUN
easat-4937	262	12	of	of	ADP
easat-4937	262	13	platform	platform	NOUN
easat-4937	262	14	security	security	NOUN
easat-4937	262	15	in	in	ADP
easat-4937	262	16	fostering	foster	VERB
easat-4937	262	17	investment	investment	NOUN
easat-4937	262	18	.	.	PUNCT
easat-4937	263	1	for	for	ADP
easat-4937	263	2	some	some	DET
easat-4937	263	3	respondents	respondent	NOUN
easat-4937	263	4	,	,	PUNCT
easat-4937	263	5	religious	religious	ADJ
easat-4937	263	6	principles	principle	NOUN
easat-4937	263	7	played	play	VERB
easat-4937	263	8	a	a	DET
easat-4937	263	9	central	central	ADJ
easat-4937	263	10	role	role	NOUN
easat-4937	263	11	in	in	ADP
easat-4937	263	12	shaping	shape	VERB
easat-4937	263	13	a	a	DET
easat-4937	263	14	decision	decision	NOUN
easat-4937	263	15	including	include	VERB
easat-4937	263	16	in	in	ADP
easat-4937	263	17	investment	investment	NOUN
easat-4937	263	18	.	.	PUNCT
easat-4937	264	1	platforms	platform	NOUN
easat-4937	264	2	that	that	PRON
easat-4937	264	3	follow	follow	VERB
easat-4937	264	4	shariah	shariah	PROPN
easat-4937	264	5	law	law	NOUN
easat-4937	264	6	were	be	AUX
easat-4937	264	7	much	much	ADV
easat-4937	264	8	more	more	ADV
easat-4937	264	9	appealing	appealing	ADJ
easat-4937	264	10	for	for	ADP
easat-4937	264	11	some	some	DET
easat-4937	264	12	respondents	respondent	NOUN
easat-4937	264	13	.	.	PUNCT
easat-4937	265	1	“	"	PUNCT
easat-4937	265	2	as	as	ADP
easat-4937	265	3	for	for	ADP
easat-4937	265	4	me	i	PRON
easat-4937	265	5	personally	personally	ADV
easat-4937	265	6	,	,	PUNCT
easat-4937	265	7	when	when	SCONJ
easat-4937	265	8	choosing	choose	VERB
easat-4937	265	9	to	to	PART
easat-4937	265	10	invest	invest	VERB
easat-4937	265	11	in	in	ADP
easat-4937	265	12	p2p	p2p	NOUN
easat-4937	265	13	lending	lending	NOUN
easat-4937	265	14	,	,	PUNCT
easat-4937	265	15	the	the	DET
easat-4937	265	16	primary	primary	ADJ
easat-4937	265	17	consideration	consideration	NOUN
easat-4937	265	18	is	be	AUX
easat-4937	265	19	to	to	PART
easat-4937	265	20	select	select	VERB
easat-4937	265	21	platforms	platform	NOUN
easat-4937	265	22	that	that	PRON
easat-4937	265	23	adhere	adhere	VERB
easat-4937	265	24	to	to	ADP
easat-4937	265	25	sharia	sharia	PROPN
easat-4937	265	26	principles	principle	NOUN
easat-4937	265	27	.	.	PUNCT
easat-4937	266	1	[	[	X
easat-4937	266	2	…	…	PUNCT
easat-4937	266	3	.	.	PUNCT
easat-4937	266	4	]	]	PUNCT
easat-4937	267	1	this	this	PRON
easat-4937	267	2	is	be	AUX
easat-4937	267	3	because	because	SCONJ
easat-4937	267	4	sharia	sharia	NOUN
easat-4937	267	5	-	-	PUNCT
easat-4937	267	6	compliant	compliant	ADJ
easat-4937	267	7	contracts	contract	NOUN
easat-4937	267	8	are	be	AUX
easat-4937	267	9	designed	design	VERB
easat-4937	267	10	not	not	PART
easat-4937	267	11	to	to	PART
easat-4937	267	12	burden	burden	VERB
easat-4937	267	13	any	any	DET
easat-4937	267	14	party	party	NOUN
easat-4937	267	15	,	,	PUNCT
easat-4937	267	16	and	and	CCONJ
easat-4937	267	17	the	the	DET
easat-4937	267	18	agreements	agreement	NOUN
easat-4937	267	19	are	be	AUX
easat-4937	267	20	fair	fair	ADJ
easat-4937	267	21	to	to	ADP
easat-4937	267	22	all	all	PRON
easat-4937	267	23	involved	involved	ADJ
easat-4937	267	24	”	"	PUNCT
easat-4937	267	25	(	(	PUNCT
easat-4937	267	26	respondent_12	respondent_12	PROPN
easat-4937	267	27	)	)	PUNCT
easat-4937	267	28	this	this	DET
easat-4937	267	29	finding	finding	NOUN
easat-4937	267	30	aligns	align	VERB
easat-4937	267	31	with	with	ADP
easat-4937	267	32	research	research	NOUN
easat-4937	267	33	on	on	ADP
easat-4937	267	34	islamic	islamic	ADJ
easat-4937	267	35	finance	finance	NOUN
easat-4937	267	36	,	,	PUNCT
easat-4937	267	37	which	which	PRON
easat-4937	267	38	suggests	suggest	VERB
easat-4937	267	39	that	that	SCONJ
easat-4937	267	40	shariah	shariah	PROPN
easat-4937	267	41	-	-	PUNCT
easat-4937	267	42	compliant	compliant	ADJ
easat-4937	267	43	investments	investment	NOUN
easat-4937	267	44	are	be	AUX
easat-4937	267	45	perceived	perceive	VERB
easat-4937	267	46	as	as	ADP
easat-4937	267	47	more	more	ADV
easat-4937	267	48	ethical	ethical	ADJ
easat-4937	267	49	and	and	CCONJ
easat-4937	267	50	equitable	equitable	ADJ
easat-4937	267	51	[	[	X
easat-4937	267	52	67	67	NUM
easat-4937	267	53	]	]	PUNCT
easat-4937	267	54	.	.	PUNCT
easat-4937	268	1	the	the	DET
easat-4937	268	2	preference	preference	NOUN
easat-4937	268	3	for	for	ADP
easat-4937	268	4	shariah	shariah	PROPN
easat-4937	268	5	-	-	PUNCT
easat-4937	268	6	compliant	compliant	NOUN
easat-4937	268	7	p2p	p2p	NOUN
easat-4937	268	8	platforms	platform	NOUN
easat-4937	268	9	reinforces	reinforce	VERB
easat-4937	268	10	previous	previous	ADJ
easat-4937	268	11	findings	finding	NOUN
easat-4937	268	12	of	of	ADP
easat-4937	268	13	this	this	DET
easat-4937	268	14	study	study	NOUN
easat-4937	268	15	where	where	SCONJ
easat-4937	268	16	investment	investment	NOUN
easat-4937	268	17	decisions	decision	NOUN
easat-4937	268	18	can	can	AUX
easat-4937	268	19	be	be	AUX
easat-4937	268	20	intertwined	intertwine	VERB
easat-4937	268	21	with	with	ADP
easat-4937	268	22	various	various	ADJ
easat-4937	268	23	other	other	ADJ
easat-4937	268	24	aspects	aspect	NOUN
easat-4937	268	25	.	.	PUNCT
easat-4937	269	1	in	in	ADP
easat-4937	269	2	this	this	DET
easat-4937	269	3	case	case	NOUN
easat-4937	269	4	,	,	PUNCT
easat-4937	269	5	religious	religious	ADJ
easat-4937	269	6	values	value	NOUN
easat-4937	269	7	reinforce	reinforce	VERB
easat-4937	269	8	the	the	DET
easat-4937	269	9	idea	idea	NOUN
easat-4937	269	10	that	that	SCONJ
easat-4937	269	11	investment	investment	NOUN
easat-4937	269	12	behavior	behavior	NOUN
easat-4937	269	13	is	be	AUX
easat-4937	269	14	not	not	PART
easat-4937	269	15	solely	solely	ADV
easat-4937	269	16	driven	drive	VERB
easat-4937	269	17	by	by	ADP
easat-4937	269	18	financial	financial	ADJ
easat-4937	269	19	returns	return	NOUN
easat-4937	269	20	but	but	CCONJ
easat-4937	269	21	also	also	ADV
easat-4937	269	22	by	by	ADP
easat-4937	269	23	religious	religious	ADJ
easat-4937	269	24	and	and	CCONJ
easat-4937	269	25	moral	moral	ADJ
easat-4937	269	26	considerations	consideration	NOUN
easat-4937	269	27	.	.	PUNCT
easat-4937	270	1	beyond	beyond	ADP
easat-4937	270	2	formal	formal	ADJ
easat-4937	270	3	sources	source	NOUN
easat-4937	270	4	such	such	ADJ
easat-4937	270	5	as	as	ADP
easat-4937	270	6	platforms	platform	NOUN
easat-4937	270	7	and	and	CCONJ
easat-4937	270	8	regulatory	regulatory	ADJ
easat-4937	270	9	websites	website	NOUN
easat-4937	270	10	,	,	PUNCT
easat-4937	270	11	the	the	DET
easat-4937	270	12	digital	digital	ADJ
easat-4937	270	13	era	era	NOUN
easat-4937	270	14	also	also	ADV
easat-4937	270	15	provides	provide	VERB
easat-4937	270	16	access	access	NOUN
easat-4937	270	17	to	to	ADP
easat-4937	270	18	a	a	DET
easat-4937	270	19	wealth	wealth	NOUN
easat-4937	270	20	of	of	ADP
easat-4937	270	21	user	user	NOUN
easat-4937	270	22	-	-	PUNCT
easat-4937	270	23	generated	generate	VERB
easat-4937	270	24	content	content	NOUN
easat-4937	270	25	.	.	PUNCT
easat-4937	271	1	reviews	review	NOUN
easat-4937	271	2	and	and	CCONJ
easat-4937	271	3	feedback	feedback	NOUN
easat-4937	271	4	shared	share	VERB
easat-4937	271	5	on	on	ADP
easat-4937	271	6	social	social	ADJ
easat-4937	271	7	media	medium	NOUN
easat-4937	271	8	and	and	CCONJ
easat-4937	271	9	platform	platform	NOUN
easat-4937	271	10	websites	website	NOUN
easat-4937	271	11	play	play	VERB
easat-4937	271	12	a	a	DET
easat-4937	271	13	crucial	crucial	ADJ
easat-4937	271	14	role	role	NOUN
easat-4937	271	15	in	in	ADP
easat-4937	271	16	shaping	shape	VERB
easat-4937	271	17	lenders	lender	NOUN
easat-4937	271	18	’	’	PART
easat-4937	271	19	perceptions	perception	NOUN
easat-4937	271	20	of	of	ADP
easat-4937	271	21	their	their	PRON
easat-4937	271	22	control	control	NOUN
easat-4937	271	23	over	over	ADP
easat-4937	271	24	their	their	PRON
easat-4937	271	25	investment	investment	NOUN
easat-4937	271	26	.	.	PUNCT
easat-4937	272	1	“	"	PUNCT
easat-4937	272	2	i	i	PRON
easat-4937	272	3	also	also	ADV
easat-4937	272	4	checked	check	VERB
easat-4937	272	5	reviews	review	NOUN
easat-4937	272	6	from	from	ADP
easat-4937	272	7	others	other	NOUN
easat-4937	272	8	prior	prior	ADV
easat-4937	272	9	to	to	ADP
easat-4937	272	10	investment	investment	NOUN
easat-4937	272	11	and	and	CCONJ
easat-4937	272	12	in	in	ADP
easat-4937	272	13	selecting	select	VERB
easat-4937	272	14	the	the	DET
easat-4937	272	15	p2p	p2p	NOUN
easat-4937	272	16	platforms	platform	NOUN
easat-4937	272	17	.	.	PUNCT
easat-4937	272	18	”	"	PUNCT
easat-4937	273	1	(	(	PUNCT
easat-4937	273	2	respondent_08	respondent_08	ADJ
easat-4937	273	3	)	)	PUNCT
easat-4937	273	4	respondents	respondent	NOUN
easat-4937	273	5	actively	actively	ADV
easat-4937	273	6	gathered	gather	VERB
easat-4937	273	7	and	and	CCONJ
easat-4937	273	8	filtered	filter	VERB
easat-4937	273	9	information	information	NOUN
easat-4937	273	10	from	from	ADP
easat-4937	273	11	diverse	diverse	ADJ
easat-4937	273	12	sources	source	NOUN
easat-4937	273	13	,	,	PUNCT
easat-4937	273	14	combining	combine	VERB
easat-4937	273	15	formal	formal	ADJ
easat-4937	273	16	and	and	CCONJ
easat-4937	273	17	informal	informal	ADJ
easat-4937	273	18	disclosures	disclosure	NOUN
easat-4937	273	19	to	to	PART
easat-4937	273	20	assess	assess	VERB
easat-4937	273	21	platform	platform	NOUN
easat-4937	273	22	reliability	reliability	NOUN
easat-4937	273	23	and	and	CCONJ
easat-4937	273	24	quality	quality	NOUN
easat-4937	273	25	.	.	PUNCT
easat-4937	274	1	this	this	DET
easat-4937	274	2	finding	finding	NOUN
easat-4937	274	3	suggests	suggest	VERB
easat-4937	274	4	that	that	SCONJ
easat-4937	274	5	transparency	transparency	NOUN
easat-4937	274	6	in	in	ADP
easat-4937	274	7	p2p	p2p	NOUN
easat-4937	274	8	lending	lending	NOUN
easat-4937	274	9	extends	extend	VERB
easat-4937	274	10	beyond	beyond	ADP
easat-4937	274	11	official	official	ADJ
easat-4937	274	12	regulatory	regulatory	ADJ
easat-4937	274	13	frameworks	framework	NOUN
easat-4937	274	14	and	and	CCONJ
easat-4937	274	15	is	be	AUX
easat-4937	274	16	enhanced	enhance	VERB
easat-4937	274	17	through	through	ADP
easat-4937	274	18	peer	peer	NOUN
easat-4937	274	19	-	-	PUNCT
easat-4937	274	20	driven	drive	VERB
easat-4937	274	21	,	,	PUNCT
easat-4937	274	22	informal	informal	ADJ
easat-4937	274	23	disclosures	disclosure	NOUN
easat-4937	274	24	.	.	PUNCT
easat-4937	275	1	these	these	DET
easat-4937	275	2	findings	finding	NOUN
easat-4937	275	3	complement	complement	VERB
easat-4937	275	4	those	those	PRON
easat-4937	275	5	of	of	ADP
easat-4937	275	6	wang	wang	PROPN
easat-4937	275	7	,	,	PUNCT
easat-4937	275	8	et	et	PROPN
easat-4937	275	9	al	al	PROPN
easat-4937	275	10	.	.	PUNCT
easat-4937	276	1	[	[	X
easat-4937	276	2	27	27	NUM
easat-4937	276	3	]	]	PUNCT
easat-4937	276	4	;	;	PUNCT
easat-4937	276	5	xia	xia	PROPN
easat-4937	276	6	,	,	PUNCT
easat-4937	276	7	et	et	PROPN
easat-4937	276	8	al	al	PROPN
easat-4937	276	9	.	.	PUNCT
easat-4937	277	1	[	[	X
easat-4937	277	2	28	28	NUM
easat-4937	277	3	]	]	PUNCT
easat-4937	277	4	and	and	CCONJ
easat-4937	277	5	klein	klein	PROPN
easat-4937	277	6	,	,	PUNCT
easat-4937	277	7	et	et	PROPN
easat-4937	277	8	al	al	PROPN
easat-4937	277	9	.	.	PUNCT
easat-4937	278	1	[	[	X
easat-4937	278	2	23	23	NUM
easat-4937	278	3	]	]	PUNCT
easat-4937	278	4	who	who	PRON
easat-4937	278	5	emphasize	emphasize	VERB
easat-4937	278	6	the	the	DET
easat-4937	278	7	role	role	NOUN
easat-4937	278	8	of	of	ADP
easat-4937	278	9	formal	formal	ADJ
easat-4937	278	10	disclosures	disclosure	NOUN
easat-4937	278	11	in	in	ADP
easat-4937	278	12	ensuring	ensure	VERB
easat-4937	278	13	transparency	transparency	NOUN
easat-4937	278	14	in	in	ADP
easat-4937	278	15	p2p	p2p	NOUN
easat-4937	278	16	lending	lending	NOUN
easat-4937	278	17	.	.	PUNCT
easat-4937	279	1	the	the	DET
easat-4937	279	2	flexibility	flexibility	NOUN
easat-4937	279	3	to	to	PART
easat-4937	279	4	choose	choose	VERB
easat-4937	279	5	the	the	DET
easat-4937	279	6	investment	investment	NOUN
easat-4937	279	7	period	period	NOUN
easat-4937	279	8	is	be	AUX
easat-4937	279	9	also	also	ADV
easat-4937	279	10	a	a	DET
easat-4937	279	11	key	key	ADJ
easat-4937	279	12	source	source	NOUN
easat-4937	279	13	of	of	ADP
easat-4937	279	14	autonomy	autonomy	NOUN
easat-4937	279	15	for	for	ADP
easat-4937	279	16	p2p	p2p	NOUN
easat-4937	279	17	lenders	lender	NOUN
easat-4937	279	18	.	.	PUNCT
easat-4937	280	1	many	many	ADJ
easat-4937	280	2	respondents	respondent	NOUN
easat-4937	280	3	report	report	VERB
easat-4937	280	4	that	that	SCONJ
easat-4937	280	5	they	they	PRON
easat-4937	280	6	prefer	prefer	VERB
easat-4937	280	7	a	a	DET
easat-4937	280	8	short	short	ADJ
easat-4937	280	9	one	one	NUM
easat-4937	280	10	to	to	ADP
easat-4937	280	11	two	two	NUM
easat-4937	280	12	-	-	PUNCT
easat-4937	280	13	month	month	NOUN
easat-4937	280	14	investment	investment	NOUN
easat-4937	280	15	duration	duration	NOUN
easat-4937	280	16	.	.	PUNCT
easat-4937	281	1	as	as	SCONJ
easat-4937	281	2	one	one	NUM
easat-4937	281	3	participant	participant	NOUN
easat-4937	281	4	explains	explain	VERB
easat-4937	281	5	.	.	PUNCT
easat-4937	282	1	1847	1847	NUM
easat-4937	282	2	edelweiss	edelweiss	PROPN
easat-4937	282	3	applied	apply	VERB
easat-4937	282	4	science	science	NOUN
easat-4937	282	5	and	and	CCONJ
easat-4937	282	6	technology	technology	NOUN
easat-4937	282	7	issn	issn	PROPN
easat-4937	282	8	:	:	PUNCT
easat-4937	282	9	2576	2576	NUM
easat-4937	282	10	-	-	SYM
easat-4937	282	11	8484	8484	NUM
easat-4937	282	12	vol	vol	NOUN
easat-4937	282	13	.	.	PROPN
easat-4937	283	1	9	9	NUM
easat-4937	283	2	,	,	PUNCT
easat-4937	283	3	no	no	INTJ
easat-4937	283	4	.	.	NOUN
easat-4937	283	5	2	2	NUM
easat-4937	283	6	:	:	SYM
easat-4937	283	7	1839	1839	NUM
easat-4937	283	8	-	-	SYM
easat-4937	283	9	1851	1851	NUM
easat-4937	283	10	,	,	PUNCT
easat-4937	283	11	2025	2025	NUM
easat-4937	283	12	doi	doi	NOUN
easat-4937	283	13	:	:	PUNCT
easat-4937	283	14	10.55214/25768484.v9i2.4937	10.55214/25768484.v9i2.4937	NUM
easat-4937	283	15	©	©	PROPN
easat-4937	283	16	2025	2025	NUM
easat-4937	283	17	by	by	ADP
easat-4937	283	18	the	the	DET
easat-4937	283	19	authors	author	NOUN
easat-4937	283	20	;	;	PUNCT
easat-4937	283	21	licensee	licensee	PROPN
easat-4937	283	22	learning	learning	NOUN
easat-4937	283	23	gate	gate	NOUN
easat-4937	283	24	“	"	PUNCT
easat-4937	283	25	i	i	PRON
easat-4937	283	26	certainly	certainly	ADV
easat-4937	283	27	choose	choose	VERB
easat-4937	283	28	projects	project	NOUN
easat-4937	283	29	[	[	X
easat-4937	283	30	investments	investment	NOUN
easat-4937	283	31	]	]	PUNCT
easat-4937	283	32	with	with	ADP
easat-4937	283	33	a	a	DET
easat-4937	283	34	short	short	ADJ
easat-4937	283	35	cycle	cycle	NOUN
easat-4937	283	36	.	.	PUNCT
easat-4937	284	1	by	by	ADP
easat-4937	284	2	"	"	PUNCT
easat-4937	284	3	short	short	ADJ
easat-4937	284	4	,	,	PUNCT
easat-4937	284	5	"	"	PUNCT
easat-4937	284	6	i	i	PRON
easat-4937	284	7	mean	mean	VERB
easat-4937	284	8	those	those	PRON
easat-4937	284	9	that	that	PRON
easat-4937	284	10	last	last	VERB
easat-4937	284	11	about	about	ADV
easat-4937	284	12	a	a	PRON
easat-4937	284	13	month	month	NOUN
easat-4937	284	14	,	,	PUNCT
easat-4937	284	15	or	or	CCONJ
easat-4937	284	16	preferably	preferably	ADV
easat-4937	284	17	less	less	ADJ
easat-4937	284	18	than	than	ADP
easat-4937	284	19	a	a	DET
easat-4937	284	20	month	month	NOUN
easat-4937	284	21	.	.	PUNCT
easat-4937	284	22	”	"	PUNCT
easat-4937	285	1	(	(	PUNCT
easat-4937	285	2	respondent_08	respondent_08	ADJ
easat-4937	285	3	)	)	PUNCT
easat-4937	285	4	choosing	choose	VERB
easat-4937	285	5	shorter	short	ADJ
easat-4937	285	6	loan	loan	NOUN
easat-4937	285	7	terms	term	NOUN
easat-4937	285	8	seems	seem	VERB
easat-4937	285	9	to	to	PART
easat-4937	285	10	be	be	AUX
easat-4937	285	11	a	a	DET
easat-4937	285	12	more	more	ADV
easat-4937	285	13	manageable	manageable	ADJ
easat-4937	285	14	option	option	NOUN
easat-4937	285	15	for	for	ADP
easat-4937	285	16	respondents	respondent	NOUN
easat-4937	285	17	,	,	PUNCT
easat-4937	285	18	as	as	SCONJ
easat-4937	285	19	it	it	PRON
easat-4937	285	20	enables	enable	VERB
easat-4937	285	21	them	they	PRON
easat-4937	285	22	to	to	PART
easat-4937	285	23	quickly	quickly	ADV
easat-4937	285	24	reinvest	reinvest	VERB
easat-4937	285	25	their	their	PRON
easat-4937	285	26	funds	fund	NOUN
easat-4937	285	27	once	once	SCONJ
easat-4937	285	28	the	the	DET
easat-4937	285	29	loan	loan	NOUN
easat-4937	285	30	is	be	AUX
easat-4937	285	31	repaid	repay	VERB
easat-4937	285	32	.	.	PUNCT
easat-4937	286	1	moreover	moreover	ADV
easat-4937	286	2	,	,	PUNCT
easat-4937	286	3	the	the	DET
easat-4937	286	4	preference	preference	NOUN
easat-4937	286	5	for	for	ADP
easat-4937	286	6	short	short	ADJ
easat-4937	286	7	-	-	PUNCT
easat-4937	286	8	term	term	NOUN
easat-4937	286	9	investments	investment	NOUN
easat-4937	286	10	may	may	AUX
easat-4937	286	11	stem	stem	VERB
easat-4937	286	12	from	from	ADP
easat-4937	286	13	the	the	DET
easat-4937	286	14	lack	lack	NOUN
easat-4937	286	15	of	of	ADP
easat-4937	286	16	borrower	borrower	NOUN
easat-4937	286	17	identity	identity	NOUN
easat-4937	286	18	disclosure	disclosure	NOUN
easat-4937	286	19	in	in	ADP
easat-4937	286	20	indonesia	indonesia	PROPN
easat-4937	286	21	.	.	PUNCT
easat-4937	287	1	unlike	unlike	ADP
easat-4937	287	2	in	in	ADP
easat-4937	287	3	china	china	PROPN
easat-4937	287	4	,	,	PUNCT
easat-4937	287	5	where	where	SCONJ
easat-4937	287	6	lenders	lender	NOUN
easat-4937	287	7	can	can	AUX
easat-4937	287	8	access	access	VERB
easat-4937	287	9	soft	soft	ADJ
easat-4937	287	10	information	information	NOUN
easat-4937	287	11	,	,	PUNCT
easat-4937	287	12	including	include	VERB
easat-4937	287	13	borrower	borrower	NOUN
easat-4937	287	14	narratives	narrative	NOUN
easat-4937	287	15	or	or	CCONJ
easat-4937	287	16	videos	video	NOUN
easat-4937	287	17	,	,	PUNCT
easat-4937	287	18	indonesian	indonesian	ADJ
easat-4937	287	19	investors	investor	NOUN
easat-4937	287	20	must	must	AUX
easat-4937	287	21	rely	rely	VERB
easat-4937	287	22	solely	solely	ADV
easat-4937	287	23	on	on	ADP
easat-4937	287	24	loan	loan	NOUN
easat-4937	287	25	amount	amount	NOUN
easat-4937	287	26	,	,	PUNCT
easat-4937	287	27	expected	expect	VERB
easat-4937	287	28	return	return	NOUN
easat-4937	287	29	,	,	PUNCT
easat-4937	287	30	borrower	borrower	NOUN
easat-4937	287	31	grade	grade	NOUN
easat-4937	287	32	,	,	PUNCT
easat-4937	287	33	and	and	CCONJ
easat-4937	287	34	industry	industry	NOUN
easat-4937	287	35	type	type	NOUN
easat-4937	287	36	[	[	X
easat-4937	287	37	27	27	NUM
easat-4937	287	38	,	,	PUNCT
easat-4937	287	39	28	28	NUM
easat-4937	287	40	]	]	PUNCT
easat-4937	287	41	.	.	PUNCT
easat-4937	288	1	as	as	ADP
easat-4937	288	2	a	a	DET
easat-4937	288	3	result	result	NOUN
easat-4937	288	4	,	,	PUNCT
easat-4937	288	5	choosing	choose	VERB
easat-4937	288	6	investment	investment	NOUN
easat-4937	288	7	periods	period	NOUN
easat-4937	288	8	and	and	CCONJ
easat-4937	288	9	borrower	borrower	NOUN
easat-4937	288	10	grades	grade	NOUN
easat-4937	288	11	becomes	become	VERB
easat-4937	288	12	a	a	DET
easat-4937	288	13	primary	primary	ADJ
easat-4937	288	14	strategy	strategy	NOUN
easat-4937	288	15	for	for	ADP
easat-4937	288	16	mitigating	mitigate	VERB
easat-4937	288	17	risk	risk	NOUN
easat-4937	288	18	.	.	PUNCT
easat-4937	289	1	this	this	DET
easat-4937	289	2	study	study	NOUN
easat-4937	289	3	also	also	ADV
easat-4937	289	4	finds	find	VERB
easat-4937	289	5	that	that	SCONJ
easat-4937	289	6	many	many	ADJ
easat-4937	289	7	respondents	respondent	NOUN
easat-4937	289	8	adopted	adopt	VERB
easat-4937	289	9	a	a	DET
easat-4937	289	10	cautious	cautious	ADJ
easat-4937	289	11	,	,	PUNCT
easat-4937	289	12	experimental	experimental	ADJ
easat-4937	289	13	approach	approach	NOUN
easat-4937	289	14	by	by	ADP
easat-4937	289	15	starting	start	VERB
easat-4937	289	16	with	with	ADP
easat-4937	289	17	small	small	ADJ
easat-4937	289	18	investments	investment	NOUN
easat-4937	289	19	to	to	PART
easat-4937	289	20	learn	learn	VERB
easat-4937	289	21	about	about	ADP
easat-4937	289	22	p2p	p2p	NOUN
easat-4937	289	23	lending	lending	NOUN
easat-4937	289	24	processes	process	NOUN
easat-4937	289	25	before	before	ADP
easat-4937	289	26	increasing	increase	VERB
easat-4937	289	27	their	their	PRON
easat-4937	289	28	exposure	exposure	NOUN
easat-4937	289	29	.	.	PUNCT
easat-4937	290	1	"	"	PUNCT
easat-4937	290	2	at	at	ADP
easat-4937	290	3	first	first	ADV
easat-4937	290	4	,	,	PUNCT
easat-4937	290	5	i	i	PRON
easat-4937	290	6	did	do	AUX
easat-4937	290	7	n’t	not	PART
easat-4937	290	8	invest	invest	VERB
easat-4937	290	9	too	too	ADV
easat-4937	290	10	much	much	ADV
easat-4937	290	11	;	;	PUNCT
easat-4937	290	12	i	i	PRON
easat-4937	290	13	only	only	ADV
easat-4937	290	14	put	put	VERB
easat-4937	290	15	in	in	ADP
easat-4937	290	16	1	1	NUM
easat-4937	290	17	million	million	NUM
easat-4937	290	18	because	because	SCONJ
easat-4937	290	19	i	i	PRON
easat-4937	290	20	was	be	AUX
easat-4937	290	21	still	still	ADV
easat-4937	290	22	learning	learn	VERB
easat-4937	290	23	.	.	PUNCT
easat-4937	291	1	i	i	PRON
easat-4937	291	2	always	always	ADV
easat-4937	291	3	study	study	VERB
easat-4937	291	4	it	it	PRON
easat-4937	291	5	first	first	ADV
easat-4937	291	6	.	.	PUNCT
easat-4937	292	1	i	i	PRON
easat-4937	292	2	studied	study	VERB
easat-4937	292	3	from	from	ADP
easat-4937	292	4	the	the	DET
easat-4937	292	5	beginning	beginning	NOUN
easat-4937	292	6	—	—	PUNCT
easat-4937	292	7	where	where	SCONJ
easat-4937	292	8	i	i	PRON
easat-4937	292	9	placed	place	VERB
easat-4937	292	10	my	my	PRON
easat-4937	292	11	funds	fund	NOUN
easat-4937	292	12	,	,	PUNCT
easat-4937	292	13	how	how	SCONJ
easat-4937	292	14	long	long	ADV
easat-4937	292	15	the	the	DET
easat-4937	292	16	process	process	NOUN
easat-4937	292	17	took	take	VERB
easat-4937	292	18	,	,	PUNCT
easat-4937	292	19	and	and	CCONJ
easat-4937	292	20	how	how	SCONJ
easat-4937	292	21	long	long	ADV
easat-4937	292	22	it	it	PRON
easat-4937	292	23	took	take	VERB
easat-4937	292	24	to	to	PART
easat-4937	292	25	generate	generate	VERB
easat-4937	292	26	returns	return	NOUN
easat-4937	292	27	.	.	PUNCT
easat-4937	293	1	i	i	PRON
easat-4937	293	2	withdrew	withdraw	VERB
easat-4937	293	3	it	it	PRON
easat-4937	293	4	.	.	PUNCT
easat-4937	294	1	first	first	ADV
easat-4937	294	2	,	,	PUNCT
easat-4937	294	3	i	i	PRON
easat-4937	294	4	observed	observe	VERB
easat-4937	294	5	the	the	DET
easat-4937	294	6	process	process	NOUN
easat-4937	294	7	inside	inside	ADV
easat-4937	294	8	,	,	PUNCT
easat-4937	294	9	how	how	SCONJ
easat-4937	294	10	to	to	PART
easat-4937	294	11	withdraw	withdraw	VERB
easat-4937	294	12	,	,	PUNCT
easat-4937	294	13	and	and	CCONJ
easat-4937	294	14	how	how	SCONJ
easat-4937	294	15	it	it	PRON
easat-4937	294	16	eventually	eventually	ADV
easat-4937	294	17	reached	reach	VERB
easat-4937	294	18	my	my	PRON
easat-4937	294	19	atm	atm	NOUN
easat-4937	294	20	.	.	PUNCT
easat-4937	294	21	"	"	PUNCT
easat-4937	295	1	(	(	PUNCT
easat-4937	295	2	respondent_03	respondent_03	ADJ
easat-4937	295	3	)	)	PUNCT
easat-4937	295	4	this	this	DET
easat-4937	295	5	behavior	behavior	NOUN
easat-4937	295	6	aligns	align	VERB
easat-4937	295	7	with	with	ADP
easat-4937	295	8	maheshwari	maheshwari	NOUN
easat-4937	295	9	,	,	PUNCT
easat-4937	295	10	et	et	PROPN
easat-4937	295	11	al	al	PROPN
easat-4937	295	12	.	.	PUNCT
easat-4937	296	1	[	[	X
easat-4937	296	2	68	68	NUM
easat-4937	296	3	]	]	PUNCT
easat-4937	296	4	who	who	PRON
easat-4937	296	5	found	find	VERB
easat-4937	296	6	that	that	SCONJ
easat-4937	296	7	individuals	individual	NOUN
easat-4937	296	8	develop	develop	VERB
easat-4937	296	9	confidence	confidence	NOUN
easat-4937	296	10	in	in	ADP
easat-4937	296	11	their	their	PRON
easat-4937	296	12	investment	investment	NOUN
easat-4937	296	13	abilities	ability	NOUN
easat-4937	296	14	as	as	SCONJ
easat-4937	296	15	they	they	PRON
easat-4937	296	16	acquire	acquire	VERB
easat-4937	296	17	knowledge	knowledge	NOUN
easat-4937	296	18	and	and	CCONJ
easat-4937	296	19	experience	experience	NOUN
easat-4937	296	20	.	.	PUNCT
easat-4937	297	1	by	by	ADP
easat-4937	297	2	starting	start	VERB
easat-4937	297	3	with	with	ADP
easat-4937	297	4	a	a	DET
easat-4937	297	5	small	small	ADJ
easat-4937	297	6	amount	amount	NOUN
easat-4937	297	7	,	,	PUNCT
easat-4937	297	8	respondents	respondent	NOUN
easat-4937	297	9	gained	gain	VERB
easat-4937	297	10	a	a	DET
easat-4937	297	11	sense	sense	NOUN
easat-4937	297	12	of	of	ADP
easat-4937	297	13	security	security	NOUN
easat-4937	297	14	and	and	CCONJ
easat-4937	297	15	control	control	NOUN
easat-4937	297	16	,	,	PUNCT
easat-4937	297	17	allowing	allow	VERB
easat-4937	297	18	them	they	PRON
easat-4937	297	19	to	to	PART
easat-4937	297	20	gradually	gradually	ADV
easat-4937	297	21	increase	increase	VERB
easat-4937	297	22	their	their	PRON
easat-4937	297	23	investments	investment	NOUN
easat-4937	297	24	as	as	SCONJ
easat-4937	297	25	they	they	PRON
easat-4937	297	26	became	become	VERB
easat-4937	297	27	more	more	ADV
easat-4937	297	28	familiar	familiar	ADJ
easat-4937	297	29	with	with	ADP
easat-4937	297	30	the	the	DET
easat-4937	297	31	system	system	NOUN
easat-4937	297	32	.	.	PUNCT
easat-4937	298	1	further	far	ADV
easat-4937	298	2	,	,	PUNCT
easat-4937	298	3	due	due	ADP
easat-4937	298	4	to	to	ADP
easat-4937	298	5	the	the	DET
easat-4937	298	6	unavailability	unavailability	NOUN
easat-4937	298	7	of	of	ADP
easat-4937	298	8	borrowers	borrower	NOUN
easat-4937	298	9	’	’	PART
easat-4937	298	10	identities	identity	NOUN
easat-4937	298	11	,	,	PUNCT
easat-4937	298	12	respondents	respondent	NOUN
easat-4937	298	13	relied	rely	VERB
easat-4937	298	14	on	on	ADP
easat-4937	298	15	the	the	DET
easat-4937	298	16	borrowers	borrower	NOUN
easat-4937	298	17	’	'	PUNCT
easat-4937	298	18	grade	grade	NOUN
easat-4937	298	19	provided	provide	VERB
easat-4937	298	20	by	by	ADP
easat-4937	298	21	the	the	DET
easat-4937	298	22	platform	platform	NOUN
easat-4937	298	23	.	.	PUNCT
easat-4937	299	1	“	"	PUNCT
easat-4937	299	2	i	i	PRON
easat-4937	299	3	select	select	VERB
easat-4937	299	4	from	from	ADP
easat-4937	299	5	the	the	DET
easat-4937	299	6	credit	credit	NOUN
easat-4937	299	7	grade	grade	NOUN
easat-4937	299	8	[	[	X
easat-4937	299	9	of	of	ADP
easat-4937	299	10	the	the	DET
easat-4937	299	11	borrower	borrower	NOUN
easat-4937	299	12	]	]	PUNCT
easat-4937	299	13	,	,	PUNCT
easat-4937	299	14	the	the	DET
easat-4937	299	15	grade	grade	NOUN
easat-4937	299	16	itself	itself	PRON
easat-4937	299	17	can	can	AUX
easat-4937	299	18	determine	determine	VERB
easat-4937	299	19	whether	whether	SCONJ
easat-4937	299	20	the	the	DET
easat-4937	299	21	borrower	borrower	NOUN
easat-4937	299	22	could	could	AUX
easat-4937	299	23	pay	pay	VERB
easat-4937	299	24	or	or	CCONJ
easat-4937	299	25	not	not	PART
easat-4937	299	26	”	"	PUNCT
easat-4937	299	27	(	(	PUNCT
easat-4937	299	28	respondent_03	respondent_03	ADJ
easat-4937	299	29	)	)	PUNCT
easat-4937	299	30	this	this	DET
easat-4937	299	31	finding	finding	NOUN
easat-4937	299	32	implies	imply	VERB
easat-4937	299	33	that	that	SCONJ
easat-4937	299	34	the	the	DET
easat-4937	299	35	respondents	respondent	NOUN
easat-4937	299	36	believe	believe	VERB
easat-4937	299	37	the	the	DET
easat-4937	299	38	borrower	borrower	NOUN
easat-4937	299	39	's	's	PART
easat-4937	299	40	credit	credit	NOUN
easat-4937	299	41	grade	grade	NOUN
easat-4937	299	42	as	as	ADP
easat-4937	299	43	a	a	DET
easat-4937	299	44	key	key	ADJ
easat-4937	299	45	indicator	indicator	NOUN
easat-4937	299	46	of	of	ADP
easat-4937	299	47	their	their	PRON
easat-4937	299	48	ability	ability	NOUN
easat-4937	299	49	to	to	PART
easat-4937	299	50	repay	repay	VERB
easat-4937	299	51	the	the	DET
easat-4937	299	52	loan	loan	NOUN
easat-4937	299	53	.	.	PUNCT
easat-4937	300	1	unlike	unlike	ADP
easat-4937	300	2	the	the	DET
easat-4937	300	3	platforms	platform	NOUN
easat-4937	300	4	in	in	ADP
easat-4937	300	5	china	china	PROPN
easat-4937	300	6	,	,	PUNCT
easat-4937	300	7	lenders	lender	NOUN
easat-4937	300	8	are	be	AUX
easat-4937	300	9	able	able	ADJ
easat-4937	300	10	to	to	PART
easat-4937	300	11	utilize	utilize	VERB
easat-4937	300	12	additional	additional	ADJ
easat-4937	300	13	voluntary	voluntary	ADJ
easat-4937	300	14	disclosure	disclosure	NOUN
easat-4937	300	15	information	information	NOUN
easat-4937	300	16	to	to	PART
easat-4937	300	17	assess	assess	VERB
easat-4937	300	18	the	the	DET
easat-4937	300	19	borrower	borrower	NOUN
easat-4937	300	20	repayment	repayment	NOUN
easat-4937	300	21	capacity	capacity	NOUN
easat-4937	300	22	[	[	X
easat-4937	300	23	10	10	NUM
easat-4937	300	24	-	-	SYM
easat-4937	300	25	12	12	NUM
easat-4937	300	26	,	,	PUNCT
easat-4937	300	27	28	28	NUM
easat-4937	300	28	]	]	PUNCT
easat-4937	300	29	.	.	PUNCT
easat-4937	301	1	the	the	DET
easat-4937	301	2	findings	finding	NOUN
easat-4937	301	3	of	of	ADP
easat-4937	301	4	this	this	DET
easat-4937	301	5	study	study	NOUN
easat-4937	301	6	reinforce	reinforce	VERB
easat-4937	301	7	the	the	DET
easat-4937	301	8	concept	concept	NOUN
easat-4937	301	9	of	of	ADP
easat-4937	301	10	perceived	perceive	VERB
easat-4937	301	11	behavioral	behavioral	ADJ
easat-4937	301	12	control	control	NOUN
easat-4937	301	13	,	,	PUNCT
easat-4937	301	14	a	a	DET
easat-4937	301	15	key	key	ADJ
easat-4937	301	16	component	component	NOUN
easat-4937	301	17	of	of	ADP
easat-4937	301	18	ajzen	ajzen	NOUN
easat-4937	301	19	[	[	X
easat-4937	301	20	31	31	NUM
easat-4937	301	21	]	]	PUNCT
easat-4937	301	22	tpb	tpb	NOUN
easat-4937	301	23	,	,	PUNCT
easat-4937	301	24	by	by	ADP
easat-4937	301	25	illustrating	illustrate	VERB
easat-4937	301	26	how	how	SCONJ
easat-4937	301	27	p2p	p2p	NOUN
easat-4937	301	28	lenders	lender	NOUN
easat-4937	301	29	navigate	navigate	VERB
easat-4937	301	30	investment	investment	NOUN
easat-4937	301	31	decisions	decision	NOUN
easat-4937	301	32	in	in	ADP
easat-4937	301	33	a	a	DET
easat-4937	301	34	digital	digital	ADJ
easat-4937	301	35	environment	environment	NOUN
easat-4937	301	36	.	.	PUNCT
easat-4937	302	1	however	however	ADV
easat-4937	302	2	,	,	PUNCT
easat-4937	302	3	this	this	DET
easat-4937	302	4	study	study	NOUN
easat-4937	302	5	also	also	ADV
easat-4937	302	6	extends	extend	VERB
easat-4937	302	7	tpb	tpb	NOUN
easat-4937	302	8	’s	’s	PART
easat-4937	302	9	framework	framework	NOUN
easat-4937	302	10	by	by	ADP
easat-4937	302	11	demonstrating	demonstrate	VERB
easat-4937	302	12	that	that	SCONJ
easat-4937	302	13	in	in	ADP
easat-4937	302	14	digital	digital	ADJ
easat-4937	302	15	investment	investment	NOUN
easat-4937	302	16	environments	environment	NOUN
easat-4937	302	17	,	,	PUNCT
easat-4937	302	18	perceived	perceive	VERB
easat-4937	302	19	behavioral	behavioral	ADJ
easat-4937	302	20	control	control	NOUN
easat-4937	302	21	is	be	AUX
easat-4937	302	22	not	not	PART
easat-4937	302	23	only	only	ADV
easat-4937	302	24	shaped	shape	VERB
easat-4937	302	25	by	by	ADP
easat-4937	302	26	regulatory	regulatory	ADJ
easat-4937	302	27	structures	structure	NOUN
easat-4937	302	28	and	and	CCONJ
easat-4937	302	29	platform	platform	NOUN
easat-4937	302	30	transparency	transparency	NOUN
easat-4937	302	31	but	but	CCONJ
easat-4937	302	32	is	be	AUX
easat-4937	302	33	also	also	ADV
easat-4937	302	34	enriched	enrich	VERB
easat-4937	302	35	by	by	ADP
easat-4937	302	36	the	the	DET
easat-4937	302	37	availability	availability	NOUN
easat-4937	302	38	of	of	ADP
easat-4937	302	39	decentralized	decentralized	ADJ
easat-4937	302	40	information	information	NOUN
easat-4937	302	41	sources	source	NOUN
easat-4937	302	42	,	,	PUNCT
easat-4937	302	43	investment	investment	NOUN
easat-4937	302	44	flexibility	flexibility	NOUN
easat-4937	302	45	,	,	PUNCT
easat-4937	302	46	and	and	CCONJ
easat-4937	302	47	hands	hand	NOUN
easat-4937	302	48	-	-	PUNCT
easat-4937	302	49	on	on	ADP
easat-4937	302	50	learning	learn	VERB
easat-4937	302	51	experiences	experience	NOUN
easat-4937	302	52	.	.	PUNCT
easat-4937	303	1	the	the	DET
easat-4937	303	2	findings	finding	NOUN
easat-4937	303	3	suggest	suggest	VERB
easat-4937	303	4	that	that	SCONJ
easat-4937	303	5	as	as	SCONJ
easat-4937	303	6	digital	digital	ADJ
easat-4937	303	7	financial	financial	ADJ
easat-4937	303	8	ecosystems	ecosystem	NOUN
easat-4937	303	9	continue	continue	VERB
easat-4937	303	10	to	to	PART
easat-4937	303	11	evolve	evolve	VERB
easat-4937	303	12	,	,	PUNCT
easat-4937	303	13	investors	investor	NOUN
easat-4937	303	14	increasingly	increasingly	ADV
easat-4937	303	15	rely	rely	VERB
easat-4937	303	16	on	on	ADP
easat-4937	303	17	a	a	DET
easat-4937	303	18	combination	combination	NOUN
easat-4937	303	19	of	of	ADP
easat-4937	303	20	institutional	institutional	ADJ
easat-4937	303	21	oversight	oversight	NOUN
easat-4937	303	22	,	,	PUNCT
easat-4937	303	23	social	social	ADJ
easat-4937	303	24	validation	validation	NOUN
easat-4937	303	25	,	,	PUNCT
easat-4937	303	26	and	and	CCONJ
easat-4937	303	27	risk	risk	NOUN
easat-4937	303	28	-	-	PUNCT
easat-4937	303	29	mitigation	mitigation	NOUN
easat-4937	303	30	strategies	strategy	NOUN
easat-4937	303	31	to	to	PART
easat-4937	303	32	feel	feel	VERB
easat-4937	303	33	in	in	ADP
easat-4937	303	34	control	control	NOUN
easat-4937	303	35	of	of	ADP
easat-4937	303	36	their	their	PRON
easat-4937	303	37	financial	financial	ADJ
easat-4937	303	38	decisions	decision	NOUN
easat-4937	303	39	.	.	PUNCT
easat-4937	304	1	this	this	PRON
easat-4937	304	2	highlights	highlight	VERB
easat-4937	304	3	the	the	DET
easat-4937	304	4	importance	importance	NOUN
easat-4937	304	5	of	of	ADP
easat-4937	304	6	considering	consider	VERB
easat-4937	304	7	how	how	SCONJ
easat-4937	304	8	digital	digital	ADJ
easat-4937	304	9	environments	environment	NOUN
easat-4937	304	10	influence	influence	VERB
easat-4937	304	11	financial	financial	ADJ
easat-4937	304	12	behaviors	behavior	NOUN
easat-4937	304	13	,	,	PUNCT
easat-4937	304	14	particularly	particularly	ADV
easat-4937	304	15	in	in	ADP
easat-4937	304	16	emerging	emerge	VERB
easat-4937	304	17	markets	market	NOUN
easat-4937	304	18	where	where	SCONJ
easat-4937	304	19	regulatory	regulatory	ADJ
easat-4937	304	20	frameworks	framework	NOUN
easat-4937	304	21	and	and	CCONJ
easat-4937	304	22	investor	investor	NOUN
easat-4937	304	23	access	access	NOUN
easat-4937	304	24	to	to	ADP
easat-4937	304	25	information	information	NOUN
easat-4937	304	26	may	may	AUX
easat-4937	304	27	differ	differ	VERB
easat-4937	304	28	from	from	ADP
easat-4937	304	29	those	those	PRON
easat-4937	304	30	in	in	ADP
easat-4937	304	31	more	more	ADV
easat-4937	304	32	developed	developed	ADJ
easat-4937	304	33	financial	financial	ADJ
easat-4937	304	34	systems	system	NOUN
easat-4937	304	35	.	.	PUNCT
easat-4937	305	1	6	6	X
easat-4937	305	2	.	.	X
easat-4937	305	3	conclusion	conclusion	NOUN
easat-4937	305	4	this	this	DET
easat-4937	305	5	study	study	NOUN
easat-4937	305	6	provides	provide	VERB
easat-4937	305	7	a	a	DET
easat-4937	305	8	nuanced	nuanced	ADJ
easat-4937	305	9	understanding	understanding	NOUN
easat-4937	305	10	of	of	ADP
easat-4937	305	11	lenders	lender	NOUN
easat-4937	305	12	'	'	PART
easat-4937	305	13	motivations	motivation	NOUN
easat-4937	305	14	and	and	CCONJ
easat-4937	305	15	decision	decision	NOUN
easat-4937	305	16	-	-	PUNCT
easat-4937	305	17	making	make	VERB
easat-4937	305	18	processes	process	NOUN
easat-4937	305	19	in	in	ADP
easat-4937	305	20	p2p	p2p	NOUN
easat-4937	305	21	lending	lending	NOUN
easat-4937	305	22	,	,	PUNCT
easat-4937	305	23	highlighting	highlight	VERB
easat-4937	305	24	the	the	DET
easat-4937	305	25	interplay	interplay	NOUN
easat-4937	305	26	between	between	ADP
easat-4937	305	27	financial	financial	ADJ
easat-4937	305	28	incentives	incentive	NOUN
easat-4937	305	29	,	,	PUNCT
easat-4937	305	30	risk	risk	NOUN
easat-4937	305	31	perception	perception	NOUN
easat-4937	305	32	,	,	PUNCT
easat-4937	305	33	digital	digital	ADJ
easat-4937	305	34	information	information	NOUN
easat-4937	305	35	accessibility	accessibility	NOUN
easat-4937	305	36	,	,	PUNCT
easat-4937	305	37	and	and	CCONJ
easat-4937	305	38	social	social	ADJ
easat-4937	305	39	influence	influence	NOUN
easat-4937	305	40	.	.	PUNCT
easat-4937	306	1	findings	finding	NOUN
easat-4937	306	2	reveal	reveal	VERB
easat-4937	306	3	that	that	SCONJ
easat-4937	306	4	opportunistic	opportunistic	ADJ
easat-4937	306	5	investment	investment	NOUN
easat-4937	306	6	behavior	behavior	NOUN
easat-4937	306	7	,	,	PUNCT
easat-4937	306	8	perceived	perceive	VERB
easat-4937	306	9	low	low	ADJ
easat-4937	306	10	risk	risk	NOUN
easat-4937	306	11	,	,	PUNCT
easat-4937	306	12	and	and	CCONJ
easat-4937	306	13	disposable	disposable	ADJ
easat-4937	306	14	income	income	NOUN
easat-4937	306	15	availability	availability	NOUN
easat-4937	306	16	contribute	contribute	VERB
easat-4937	306	17	to	to	ADP
easat-4937	306	18	lenders	lender	NOUN
easat-4937	306	19	’	'	PUNCT
easat-4937	306	20	positive	positive	ADJ
easat-4937	306	21	attitudes	attitude	NOUN
easat-4937	306	22	toward	toward	ADP
easat-4937	306	23	p2p	p2p	NOUN
easat-4937	306	24	lending	lending	NOUN
easat-4937	306	25	.	.	PUNCT
easat-4937	307	1	beyond	beyond	ADP
easat-4937	307	2	financial	financial	ADJ
easat-4937	307	3	considerations	consideration	NOUN
easat-4937	307	4	,	,	PUNCT
easat-4937	307	5	social	social	ADJ
easat-4937	307	6	influence	influence	NOUN
easat-4937	307	7	from	from	ADP
easat-4937	307	8	family	family	NOUN
easat-4937	307	9	members	member	NOUN
easat-4937	307	10	and	and	CCONJ
easat-4937	307	11	digital	digital	ADJ
easat-4937	307	12	influencers	influencer	NOUN
easat-4937	307	13	significantly	significantly	ADV
easat-4937	307	14	shapes	shape	VERB
easat-4937	307	15	investment	investment	NOUN
easat-4937	307	16	choices	choice	NOUN
easat-4937	307	17	,	,	PUNCT
easat-4937	307	18	reinforcing	reinforce	VERB
easat-4937	307	19	both	both	CCONJ
easat-4937	307	20	injunctive	injunctive	ADJ
easat-4937	307	21	and	and	CCONJ
easat-4937	307	22	descriptive	descriptive	ADJ
easat-4937	307	23	normative	normative	ADJ
easat-4937	307	24	beliefs	belief	NOUN
easat-4937	307	25	.	.	PUNCT
easat-4937	308	1	the	the	DET
easat-4937	308	2	study	study	NOUN
easat-4937	308	3	also	also	ADV
easat-4937	308	4	demonstrates	demonstrate	VERB
easat-4937	308	5	that	that	SCONJ
easat-4937	308	6	perceived	perceive	VERB
easat-4937	308	7	behavioral	behavioral	ADJ
easat-4937	308	8	control	control	NOUN
easat-4937	308	9	in	in	ADP
easat-4937	308	10	digital	digital	ADJ
easat-4937	308	11	investment	investment	NOUN
easat-4937	308	12	environments	environment	NOUN
easat-4937	308	13	extends	extend	VERB
easat-4937	308	14	beyond	beyond	ADP
easat-4937	308	15	traditional	traditional	ADJ
easat-4937	308	16	regulatory	regulatory	ADJ
easat-4937	308	17	frameworks	framework	NOUN
easat-4937	308	18	.	.	PUNCT
easat-4937	309	1	while	while	SCONJ
easat-4937	309	2	formal	formal	ADJ
easat-4937	309	3	oversight	oversight	NOUN
easat-4937	309	4	,	,	PUNCT
easat-4937	309	5	platform	platform	NOUN
easat-4937	309	6	transparency	transparency	NOUN
easat-4937	309	7	,	,	PUNCT
easat-4937	309	8	and	and	CCONJ
easat-4937	309	9	regulatory	regulatory	ADJ
easat-4937	309	10	structures	structure	NOUN
easat-4937	309	11	enhance	enhance	VERB
easat-4937	309	12	investment	investment	NOUN
easat-4937	309	13	confidence	confidence	NOUN
easat-4937	309	14	,	,	PUNCT
easat-4937	309	15	lenders	lender	NOUN
easat-4937	309	16	increasingly	increasingly	ADV
easat-4937	309	17	rely	rely	VERB
easat-4937	309	18	on	on	ADP
easat-4937	309	19	decentralized	decentralized	ADJ
easat-4937	309	20	information	information	NOUN
easat-4937	309	21	sources	source	NOUN
easat-4937	309	22	,	,	PUNCT
easat-4937	309	23	including	include	VERB
easat-4937	309	24	user	user	NOUN
easat-4937	309	25	reviews	review	NOUN
easat-4937	309	26	,	,	PUNCT
easat-4937	309	27	social	social	ADJ
easat-4937	309	28	media	medium	NOUN
easat-4937	309	29	content	content	NOUN
easat-4937	309	30	,	,	PUNCT
easat-4937	309	31	and	and	CCONJ
easat-4937	309	32	digital	digital	ADJ
easat-4937	309	33	communities	community	NOUN
easat-4937	309	34	,	,	PUNCT
easat-4937	309	35	to	to	PART
easat-4937	309	36	evaluate	evaluate	VERB
easat-4937	309	37	1848	1848	NUM
easat-4937	309	38	edelweiss	edelweiss	PROPN
easat-4937	309	39	applied	apply	VERB
easat-4937	309	40	science	science	NOUN
easat-4937	309	41	and	and	CCONJ
easat-4937	309	42	technology	technology	NOUN
easat-4937	309	43	issn	issn	PROPN
easat-4937	309	44	:	:	PUNCT
easat-4937	309	45	2576	2576	NUM
easat-4937	309	46	-	-	SYM
easat-4937	309	47	8484	8484	NUM
easat-4937	309	48	vol	vol	NOUN
easat-4937	309	49	.	.	PROPN
easat-4937	310	1	9	9	NUM
easat-4937	310	2	,	,	PUNCT
easat-4937	310	3	no	no	INTJ
easat-4937	310	4	.	.	NOUN
easat-4937	310	5	2	2	NUM
easat-4937	310	6	:	:	SYM
easat-4937	310	7	1839	1839	NUM
easat-4937	310	8	-	-	SYM
easat-4937	310	9	1851	1851	NUM
easat-4937	310	10	,	,	PUNCT
easat-4937	310	11	2025	2025	NUM
easat-4937	310	12	doi	doi	NOUN
easat-4937	310	13	:	:	PUNCT
easat-4937	310	14	10.55214/25768484.v9i2.4937	10.55214/25768484.v9i2.4937	NUM
easat-4937	310	15	©	©	PROPN
easat-4937	310	16	2025	2025	NUM
easat-4937	310	17	by	by	ADP
easat-4937	310	18	the	the	DET
easat-4937	310	19	authors	author	NOUN
easat-4937	310	20	;	;	PUNCT
easat-4937	310	21	licensee	licensee	PROPN
easat-4937	310	22	learning	learn	VERB
easat-4937	310	23	gate	gate	NOUN
easat-4937	310	24	risks	risk	NOUN
easat-4937	310	25	.	.	PUNCT
easat-4937	311	1	the	the	DET
easat-4937	311	2	preference	preference	NOUN
easat-4937	311	3	for	for	ADP
easat-4937	311	4	short	short	ADJ
easat-4937	311	5	-	-	PUNCT
easat-4937	311	6	term	term	NOUN
easat-4937	311	7	investments	investment	NOUN
easat-4937	311	8	and	and	CCONJ
easat-4937	311	9	a	a	DET
easat-4937	311	10	gradual	gradual	ADJ
easat-4937	311	11	investment	investment	NOUN
easat-4937	311	12	approach	approach	NOUN
easat-4937	311	13	further	far	ADV
easat-4937	311	14	indicates	indicate	VERB
easat-4937	311	15	how	how	SCONJ
easat-4937	311	16	lenders	lender	NOUN
easat-4937	311	17	actively	actively	ADV
easat-4937	311	18	manage	manage	VERB
easat-4937	311	19	risk	risk	NOUN
easat-4937	311	20	and	and	CCONJ
easat-4937	311	21	gain	gain	VERB
easat-4937	311	22	confidence	confidence	NOUN
easat-4937	311	23	through	through	ADP
easat-4937	311	24	experiential	experiential	ADJ
easat-4937	311	25	learning	learning	NOUN
easat-4937	311	26	.	.	PUNCT
easat-4937	312	1	extending	extend	VERB
easat-4937	312	2	ajzen	ajzen	NOUN
easat-4937	312	3	(	(	PUNCT
easat-4937	312	4	1991	1991	NUM
easat-4937	312	5	)	)	PUNCT
easat-4937	312	6	tpb	tpb	NOUN
easat-4937	312	7	,	,	PUNCT
easat-4937	312	8	this	this	DET
easat-4937	312	9	study	study	NOUN
easat-4937	312	10	highlights	highlight	VERB
easat-4937	312	11	the	the	DET
easat-4937	312	12	critical	critical	ADJ
easat-4937	312	13	role	role	NOUN
easat-4937	312	14	of	of	ADP
easat-4937	312	15	digital	digital	ADJ
easat-4937	312	16	finance	finance	NOUN
easat-4937	312	17	ecosystems	ecosystem	NOUN
easat-4937	312	18	in	in	ADP
easat-4937	312	19	shaping	shape	VERB
easat-4937	312	20	investor	investor	NOUN
easat-4937	312	21	autonomy	autonomy	NOUN
easat-4937	312	22	.	.	PUNCT
easat-4937	313	1	in	in	ADP
easat-4937	313	2	the	the	DET
easat-4937	313	3	digital	digital	ADJ
easat-4937	313	4	age	age	NOUN
easat-4937	313	5	,	,	PUNCT
easat-4937	313	6	the	the	DET
easat-4937	313	7	availability	availability	NOUN
easat-4937	313	8	,	,	PUNCT
easat-4937	313	9	favorability	favorability	NOUN
easat-4937	313	10	,	,	PUNCT
easat-4937	313	11	and	and	CCONJ
easat-4937	313	12	diversity	diversity	NOUN
easat-4937	313	13	of	of	ADP
easat-4937	313	14	online	online	ADJ
easat-4937	313	15	financial	financial	ADJ
easat-4937	313	16	information	information	NOUN
easat-4937	313	17	significantly	significantly	ADV
easat-4937	313	18	influence	influence	VERB
easat-4937	313	19	attitudes	attitude	NOUN
easat-4937	313	20	,	,	PUNCT
easat-4937	313	21	introduce	introduce	VERB
easat-4937	313	22	new	new	ADJ
easat-4937	313	23	forms	form	NOUN
easat-4937	313	24	of	of	ADP
easat-4937	313	25	social	social	ADJ
easat-4937	313	26	pressure	pressure	NOUN
easat-4937	313	27	,	,	PUNCT
easat-4937	313	28	and	and	CCONJ
easat-4937	313	29	strengthen	strengthen	VERB
easat-4937	313	30	perceived	perceive	VERB
easat-4937	313	31	control	control	NOUN
easat-4937	313	32	over	over	ADP
easat-4937	313	33	investment	investment	NOUN
easat-4937	313	34	decisions	decision	NOUN
easat-4937	313	35	.	.	PUNCT
easat-4937	314	1	these	these	DET
easat-4937	314	2	findings	finding	NOUN
easat-4937	314	3	highlight	highlight	VERB
easat-4937	314	4	the	the	DET
easat-4937	314	5	transformative	transformative	ADJ
easat-4937	314	6	role	role	NOUN
easat-4937	314	7	of	of	ADP
easat-4937	314	8	digital	digital	ADJ
easat-4937	314	9	platforms	platform	NOUN
easat-4937	314	10	in	in	ADP
easat-4937	314	11	financial	financial	ADJ
easat-4937	314	12	decision	decision	NOUN
easat-4937	314	13	-	-	PUNCT
easat-4937	314	14	making	making	NOUN
easat-4937	314	15	,	,	PUNCT
easat-4937	314	16	particularly	particularly	ADV
easat-4937	314	17	in	in	ADP
easat-4937	314	18	markets	market	NOUN
easat-4937	314	19	where	where	SCONJ
easat-4937	314	20	regulatory	regulatory	ADJ
easat-4937	314	21	and	and	CCONJ
easat-4937	314	22	informational	informational	ADJ
easat-4937	314	23	constraints	constraint	NOUN
easat-4937	314	24	limit	limit	VERB
easat-4937	314	25	direct	direct	ADJ
easat-4937	314	26	borrower	borrower	NOUN
easat-4937	314	27	-	-	PUNCT
easat-4937	314	28	lender	lender	NOUN
easat-4937	314	29	interactions	interaction	NOUN
easat-4937	314	30	.	.	PUNCT
easat-4937	315	1	from	from	ADP
easat-4937	315	2	a	a	DET
easat-4937	315	3	practical	practical	ADJ
easat-4937	315	4	perspective	perspective	NOUN
easat-4937	315	5	,	,	PUNCT
easat-4937	315	6	p2p	p2p	NOUN
easat-4937	315	7	lending	lending	NOUN
easat-4937	315	8	platforms	platform	NOUN
easat-4937	315	9	can	can	AUX
easat-4937	315	10	enhance	enhance	VERB
easat-4937	315	11	investor	investor	NOUN
easat-4937	315	12	engagement	engagement	NOUN
easat-4937	315	13	by	by	ADP
easat-4937	315	14	improving	improve	VERB
easat-4937	315	15	transparency	transparency	NOUN
easat-4937	315	16	,	,	PUNCT
easat-4937	315	17	ensuring	ensure	VERB
easat-4937	315	18	accessible	accessible	ADJ
easat-4937	315	19	financial	financial	ADJ
easat-4937	315	20	information	information	NOUN
easat-4937	315	21	,	,	PUNCT
easat-4937	315	22	and	and	CCONJ
easat-4937	315	23	leveraging	leverage	VERB
easat-4937	315	24	trusted	trust	VERB
easat-4937	315	25	social	social	ADJ
easat-4937	315	26	influencers	influencer	NOUN
easat-4937	315	27	to	to	PART
easat-4937	315	28	build	build	VERB
easat-4937	315	29	credibility	credibility	NOUN
easat-4937	315	30	and	and	CCONJ
easat-4937	315	31	reduce	reduce	VERB
easat-4937	315	32	perceived	perceive	VERB
easat-4937	315	33	risk	risk	NOUN
easat-4937	315	34	.	.	PUNCT
easat-4937	316	1	regulatory	regulatory	ADJ
easat-4937	316	2	bodies	body	NOUN
easat-4937	316	3	should	should	AUX
easat-4937	316	4	also	also	ADV
easat-4937	316	5	consider	consider	VERB
easat-4937	316	6	strengthening	strengthen	VERB
easat-4937	316	7	digital	digital	ADJ
easat-4937	316	8	financial	financial	ADJ
easat-4937	316	9	literacy	literacy	NOUN
easat-4937	316	10	initiatives	initiative	NOUN
easat-4937	316	11	,	,	PUNCT
easat-4937	316	12	ensuring	ensure	VERB
easat-4937	316	13	that	that	SCONJ
easat-4937	316	14	investors	investor	NOUN
easat-4937	316	15	can	can	AUX
easat-4937	316	16	critically	critically	ADV
easat-4937	316	17	assess	assess	VERB
easat-4937	316	18	online	online	ADJ
easat-4937	316	19	information	information	NOUN
easat-4937	316	20	.	.	PUNCT
easat-4937	317	1	while	while	SCONJ
easat-4937	317	2	this	this	DET
easat-4937	317	3	study	study	NOUN
easat-4937	317	4	offers	offer	VERB
easat-4937	317	5	valuable	valuable	ADJ
easat-4937	317	6	insights	insight	NOUN
easat-4937	317	7	,	,	PUNCT
easat-4937	317	8	it	it	PRON
easat-4937	317	9	has	have	VERB
easat-4937	317	10	some	some	DET
easat-4937	317	11	limitations	limitation	NOUN
easat-4937	317	12	.	.	PUNCT
easat-4937	318	1	its	its	PRON
easat-4937	318	2	cross	cross	ADJ
easat-4937	318	3	-	-	ADJ
easat-4937	318	4	sectional	sectional	ADJ
easat-4937	318	5	design	design	NOUN
easat-4937	318	6	captures	capture	VERB
easat-4937	318	7	lenders	lender	NOUN
easat-4937	318	8	'	'	PART
easat-4937	318	9	motivations	motivation	NOUN
easat-4937	318	10	at	at	ADP
easat-4937	318	11	a	a	DET
easat-4937	318	12	single	single	ADJ
easat-4937	318	13	point	point	NOUN
easat-4937	318	14	in	in	ADP
easat-4937	318	15	time	time	NOUN
easat-4937	318	16	,	,	PUNCT
easat-4937	318	17	limiting	limit	VERB
easat-4937	318	18	the	the	DET
easat-4937	318	19	ability	ability	NOUN
easat-4937	318	20	to	to	PART
easat-4937	318	21	observe	observe	VERB
easat-4937	318	22	how	how	SCONJ
easat-4937	318	23	investment	investment	NOUN
easat-4937	318	24	behaviors	behavior	NOUN
easat-4937	318	25	evolve	evolve	VERB
easat-4937	318	26	over	over	ADP
easat-4937	318	27	time	time	NOUN
easat-4937	318	28	.	.	PUNCT
easat-4937	319	1	future	future	ADJ
easat-4937	319	2	research	research	NOUN
easat-4937	319	3	should	should	AUX
easat-4937	319	4	adopt	adopt	VERB
easat-4937	319	5	a	a	DET
easat-4937	319	6	longitudinal	longitudinal	ADJ
easat-4937	319	7	approach	approach	NOUN
easat-4937	319	8	to	to	PART
easat-4937	319	9	explore	explore	VERB
easat-4937	319	10	how	how	SCONJ
easat-4937	319	11	digital	digital	ADJ
easat-4937	319	12	information	information	NOUN
easat-4937	319	13	environments	environment	NOUN
easat-4937	319	14	and	and	CCONJ
easat-4937	319	15	investor	investor	NOUN
easat-4937	319	16	behaviors	behavior	NOUN
easat-4937	319	17	change	change	VERB
easat-4937	319	18	over	over	ADP
easat-4937	319	19	extended	extended	ADJ
easat-4937	319	20	periods	period	NOUN
easat-4937	319	21	.	.	PUNCT
easat-4937	320	1	additionally	additionally	ADV
easat-4937	320	2	,	,	PUNCT
easat-4937	320	3	further	further	ADJ
easat-4937	320	4	studies	study	NOUN
easat-4937	320	5	could	could	AUX
easat-4937	320	6	examine	examine	VERB
easat-4937	320	7	cross	cross	ADJ
easat-4937	320	8	-	-	ADJ
easat-4937	320	9	country	country	ADJ
easat-4937	320	10	differences	difference	NOUN
easat-4937	320	11	in	in	ADP
easat-4937	320	12	p2p	p2p	NOUN
easat-4937	320	13	lending	lending	NOUN
easat-4937	320	14	decisions	decision	NOUN
easat-4937	320	15	,	,	PUNCT
easat-4937	320	16	particularly	particularly	ADV
easat-4937	320	17	how	how	SCONJ
easat-4937	320	18	variations	variation	NOUN
easat-4937	320	19	in	in	ADP
easat-4937	320	20	regulatory	regulatory	ADJ
easat-4937	320	21	transparency	transparency	NOUN
easat-4937	320	22	,	,	PUNCT
easat-4937	320	23	borrower	borrower	NOUN
easat-4937	320	24	disclosures	disclosure	NOUN
easat-4937	320	25	,	,	PUNCT
easat-4937	320	26	and	and	CCONJ
easat-4937	320	27	digital	digital	ADJ
easat-4937	320	28	financial	financial	ADJ
easat-4937	320	29	ecosystems	ecosystem	NOUN
easat-4937	320	30	shape	shape	VERB
easat-4937	320	31	lender	lender	NOUN
easat-4937	320	32	motivations	motivation	NOUN
easat-4937	320	33	and	and	CCONJ
easat-4937	320	34	risk	risk	NOUN
easat-4937	320	35	perceptions	perception	NOUN
easat-4937	320	36	.	.	PUNCT
easat-4937	321	1	by	by	ADP
easat-4937	321	2	addressing	address	VERB
easat-4937	321	3	these	these	DET
easat-4937	321	4	areas	area	NOUN
easat-4937	321	5	,	,	PUNCT
easat-4937	321	6	future	future	ADJ
easat-4937	321	7	research	research	NOUN
easat-4937	321	8	can	can	AUX
easat-4937	321	9	deepen	deepen	VERB
easat-4937	321	10	our	our	PRON
easat-4937	321	11	understanding	understanding	NOUN
easat-4937	321	12	of	of	ADP
easat-4937	321	13	the	the	DET
easat-4937	321	14	long	long	ADJ
easat-4937	321	15	-	-	PUNCT
easat-4937	321	16	term	term	NOUN
easat-4937	321	17	implications	implication	NOUN
easat-4937	321	18	of	of	ADP
easat-4937	321	19	digital	digital	ADJ
easat-4937	321	20	finance	finance	NOUN
easat-4937	321	21	on	on	ADP
easat-4937	321	22	investor	investor	NOUN
easat-4937	321	23	decision	decision	NOUN
easat-4937	321	24	-	-	PUNCT
easat-4937	321	25	making	making	NOUN
easat-4937	321	26	.	.	PUNCT
easat-4937	322	1	transparency	transparency	NOUN
easat-4937	322	2	:	:	PUNCT
easat-4937	322	3	the	the	DET
easat-4937	322	4	authors	author	NOUN
easat-4937	322	5	confirm	confirm	VERB
easat-4937	322	6	that	that	SCONJ
easat-4937	322	7	the	the	DET
easat-4937	322	8	manuscript	manuscript	NOUN
easat-4937	322	9	is	be	AUX
easat-4937	322	10	an	an	DET
easat-4937	322	11	honest	honest	ADJ
easat-4937	322	12	,	,	PUNCT
easat-4937	322	13	accurate	accurate	ADJ
easat-4937	322	14	,	,	PUNCT
easat-4937	322	15	and	and	CCONJ
easat-4937	322	16	transparent	transparent	ADJ
easat-4937	322	17	account	account	NOUN
easat-4937	322	18	of	of	ADP
easat-4937	322	19	the	the	DET
easat-4937	322	20	study	study	NOUN
easat-4937	322	21	;	;	PUNCT
easat-4937	322	22	that	that	SCONJ
easat-4937	322	23	no	no	DET
easat-4937	322	24	vital	vital	ADJ
easat-4937	322	25	features	feature	NOUN
easat-4937	322	26	of	of	ADP
easat-4937	322	27	the	the	DET
easat-4937	322	28	study	study	NOUN
easat-4937	322	29	have	have	AUX
easat-4937	322	30	been	be	AUX
easat-4937	322	31	omitted	omit	VERB
easat-4937	322	32	;	;	PUNCT
easat-4937	322	33	and	and	CCONJ
easat-4937	322	34	that	that	SCONJ
easat-4937	322	35	any	any	DET
easat-4937	322	36	discrepancies	discrepancy	NOUN
easat-4937	322	37	from	from	ADP
easat-4937	322	38	the	the	DET
easat-4937	322	39	study	study	NOUN
easat-4937	322	40	as	as	SCONJ
easat-4937	322	41	planned	plan	VERB
easat-4937	322	42	have	have	AUX
easat-4937	322	43	been	be	AUX
easat-4937	322	44	explained	explain	VERB
easat-4937	322	45	.	.	PUNCT
easat-4937	323	1	this	this	DET
easat-4937	323	2	study	study	NOUN
easat-4937	323	3	followed	follow	VERB
easat-4937	323	4	all	all	DET
easat-4937	323	5	ethical	ethical	ADJ
easat-4937	323	6	practices	practice	NOUN
easat-4937	323	7	during	during	ADP
easat-4937	323	8	writing	writing	NOUN
easat-4937	323	9	.	.	PUNCT
easat-4937	324	1	copyright	copyright	NOUN
easat-4937	324	2	:	:	PUNCT
easat-4937	324	3	©	©	PROPN
easat-4937	324	4	2025	2025	NUM
easat-4937	324	5	by	by	ADP
easat-4937	324	6	the	the	DET
easat-4937	324	7	authors	author	NOUN
easat-4937	324	8	.	.	PUNCT
easat-4937	325	1	this	this	DET
easat-4937	325	2	open	open	ADJ
easat-4937	325	3	-	-	PUNCT
easat-4937	325	4	access	access	NOUN
easat-4937	325	5	article	article	NOUN
easat-4937	325	6	is	be	AUX
easat-4937	325	7	distributed	distribute	VERB
easat-4937	325	8	under	under	ADP
easat-4937	325	9	the	the	DET
easat-4937	325	10	terms	term	NOUN
easat-4937	325	11	and	and	CCONJ
easat-4937	325	12	conditions	condition	NOUN
easat-4937	325	13	of	of	ADP
easat-4937	325	14	the	the	DET
easat-4937	325	15	creative	creative	ADJ
easat-4937	325	16	commons	common	NOUN
easat-4937	325	17	attribution	attribution	NOUN
easat-4937	325	18	(	(	PUNCT
easat-4937	325	19	cc	cc	NOUN
easat-4937	325	20	by	by	ADP
easat-4937	325	21	)	)	PUNCT
easat-4937	325	22	license	license	NOUN
easat-4937	325	23	(	(	PUNCT
easat-4937	325	24	https://creativecommons.org/licenses/by/4.0/	https://creativecommons.org/licenses/by/4.0/	PROPN
easat-4937	325	25	)	)	PUNCT
easat-4937	325	26	.	.	PUNCT
easat-4937	326	1	references	reference	NOUN
easat-4937	326	2	[	[	X
easat-4937	326	3	1	1	X
easat-4937	326	4	]	]	PUNCT
easat-4937	326	5	j.	j.	PROPN
easat-4937	326	6	s.	s.	PROPN
easat-4937	326	7	brennen	brennen	PROPN
easat-4937	326	8	and	and	CCONJ
easat-4937	326	9	d.	d.	PROPN
easat-4937	326	10	kreiss	kreiss	PROPN
easat-4937	326	11	,	,	PUNCT
easat-4937	326	12	"	"	PUNCT
easat-4937	326	13	digitalization	digitalization	NOUN
easat-4937	326	14	,	,	PUNCT
easat-4937	326	15	"	"	PUNCT
easat-4937	326	16	the	the	DET
easat-4937	326	17	international	international	ADJ
easat-4937	326	18	encyclopedia	encyclopedia	NOUN
easat-4937	326	19	of	of	ADP
easat-4937	326	20	communication	communication	NOUN
easat-4937	326	21	theory	theory	NOUN
easat-4937	326	22	and	and	CCONJ
easat-4937	326	23	philosophy	philosophy	NOUN
easat-4937	326	24	,	,	PUNCT
easat-4937	326	25	pp	pp	ADJ
easat-4937	326	26	.	.	PUNCT
easat-4937	327	1	1	1	NUM
easat-4937	327	2	-	-	SYM
easat-4937	327	3	11	11	NUM
easat-4937	327	4	,	,	PUNCT
easat-4937	327	5	2016	2016	NUM
easat-4937	327	6	.	.	PUNCT
easat-4937	328	1	https://doi.org/10.1002/9781118766804.wbiect111	https://doi.org/10.1002/9781118766804.wbiect111	NOUN
easat-4937	328	2	[	[	X
easat-4937	328	3	2	2	X
easat-4937	328	4	]	]	PUNCT
easat-4937	328	5	p.	p.	NOUN
easat-4937	328	6	m.	m.	NOUN
easat-4937	328	7	bican	bican	PROPN
easat-4937	328	8	and	and	CCONJ
easat-4937	328	9	a.	a.	NOUN
easat-4937	328	10	brem	brem	PROPN
easat-4937	328	11	,	,	PUNCT
easat-4937	328	12	"	"	PUNCT
easat-4937	328	13	digital	digital	ADJ
easat-4937	328	14	business	business	NOUN
easat-4937	328	15	model	model	NOUN
easat-4937	328	16	,	,	PUNCT
easat-4937	328	17	digital	digital	ADJ
easat-4937	328	18	transformation	transformation	NOUN
easat-4937	328	19	,	,	PUNCT
easat-4937	328	20	digital	digital	ADJ
easat-4937	328	21	entrepreneurship	entrepreneurship	NOUN
easat-4937	328	22	:	:	PUNCT
easat-4937	328	23	is	be	AUX
easat-4937	328	24	there	there	PRON
easat-4937	328	25	a	a	DET
easat-4937	328	26	sustainable	sustainable	ADJ
easat-4937	328	27	“	"	PUNCT
easat-4937	328	28	digital	digital	ADJ
easat-4937	328	29	”	"	PUNCT
easat-4937	328	30	?	?	PUNCT
easat-4937	328	31	,	,	PUNCT
easat-4937	328	32	"	"	PUNCT
easat-4937	328	33	sustainability	sustainability	NOUN
easat-4937	328	34	,	,	PUNCT
easat-4937	328	35	vol	vol	NOUN
easat-4937	328	36	.	.	PROPN
easat-4937	328	37	12	12	NUM
easat-4937	328	38	,	,	PUNCT
easat-4937	328	39	no	no	INTJ
easat-4937	328	40	.	.	NOUN
easat-4937	328	41	13	13	NUM
easat-4937	328	42	,	,	PUNCT
easat-4937	328	43	p.	p.	NOUN
easat-4937	328	44	5239	5239	NUM
easat-4937	328	45	,	,	PUNCT
easat-4937	328	46	2020	2020	NUM
easat-4937	328	47	.	.	PUNCT
easat-4937	329	1	https://doi.org/10.3390/su12135239	https://doi.org/10.3390/su12135239	NUM
easat-4937	330	1	[	[	X
easat-4937	330	2	3	3	X
easat-4937	330	3	]	]	PUNCT
easat-4937	330	4	j.	j.	PROPN
easat-4937	330	5	jiang	jiang	PROPN
easat-4937	330	6	,	,	PUNCT
easat-4937	330	7	l.	l.	PROPN
easat-4937	330	8	liao	liao	PROPN
easat-4937	330	9	,	,	PUNCT
easat-4937	330	10	z.	z.	PROPN
easat-4937	330	11	wang	wang	PROPN
easat-4937	330	12	,	,	PUNCT
easat-4937	330	13	and	and	CCONJ
easat-4937	330	14	x.	x.	NOUN
easat-4937	330	15	zhang	zhang	PROPN
easat-4937	330	16	,	,	PUNCT
easat-4937	330	17	"	"	PUNCT
easat-4937	330	18	government	government	NOUN
easat-4937	330	19	affiliation	affiliation	NOUN
easat-4937	330	20	and	and	CCONJ
easat-4937	330	21	peer	peer	NOUN
easat-4937	330	22	-	-	PUNCT
easat-4937	330	23	to	to	ADP
easat-4937	330	24	-	-	PUNCT
easat-4937	330	25	peer	peer	NOUN
easat-4937	330	26	lending	lending	NOUN
easat-4937	330	27	platforms	platform	NOUN
easat-4937	330	28	in	in	ADP
easat-4937	330	29	china	china	PROPN
easat-4937	330	30	,	,	PUNCT
easat-4937	330	31	"	"	PUNCT
easat-4937	330	32	journal	journal	NOUN
easat-4937	330	33	of	of	ADP
easat-4937	330	34	empirical	empirical	ADJ
easat-4937	330	35	finance	finance	NOUN
easat-4937	330	36	,	,	PUNCT
easat-4937	330	37	vol	vol	NOUN
easat-4937	330	38	.	.	PROPN
easat-4937	331	1	62	62	NUM
easat-4937	331	2	,	,	PUNCT
easat-4937	331	3	pp	pp	ADJ
easat-4937	331	4	.	.	PUNCT
easat-4937	332	1	87	87	NUM
easat-4937	332	2	-	-	SYM
easat-4937	332	3	106	106	NUM
easat-4937	332	4	,	,	PUNCT
easat-4937	332	5	2021	2021	NUM
easat-4937	332	6	.	.	PUNCT
easat-4937	333	1	https://doi.org/10.1016/j.jempfin.2021.02.004	https://doi.org/10.1016/j.jempfin.2021.02.004	PUNCT
easat-4937	333	2	[	[	X
easat-4937	333	3	4	4	NUM
easat-4937	333	4	]	]	X
easat-4937	333	5	y.	y.	PROPN
easat-4937	333	6	pierrakis	pierrakis	PROPN
easat-4937	333	7	,	,	PUNCT
easat-4937	333	8	"	"	PUNCT
easat-4937	333	9	peer	peer	NOUN
easat-4937	333	10	-	-	PUNCT
easat-4937	333	11	to	to	ADP
easat-4937	333	12	-	-	PUNCT
easat-4937	333	13	peer	peer	NOUN
easat-4937	333	14	lending	lending	NOUN
easat-4937	333	15	to	to	ADP
easat-4937	333	16	businesses	business	NOUN
easat-4937	333	17	:	:	PUNCT
easat-4937	333	18	investors	investor	NOUN
easat-4937	333	19	’	’	PART
easat-4937	333	20	characteristics	characteristic	NOUN
easat-4937	333	21	,	,	PUNCT
easat-4937	333	22	investment	investment	NOUN
easat-4937	333	23	criteria	criterion	NOUN
easat-4937	333	24	and	and	CCONJ
easat-4937	333	25	motivation	motivation	NOUN
easat-4937	333	26	,	,	PUNCT
easat-4937	333	27	"	"	PUNCT
easat-4937	333	28	the	the	DET
easat-4937	333	29	international	international	ADJ
easat-4937	333	30	journal	journal	NOUN
easat-4937	333	31	of	of	ADP
easat-4937	333	32	entrepreneurship	entrepreneurship	NOUN
easat-4937	333	33	and	and	CCONJ
easat-4937	333	34	innovation	innovation	NOUN
easat-4937	333	35	,	,	PUNCT
easat-4937	333	36	vol	vol	NOUN
easat-4937	333	37	.	.	PROPN
easat-4937	333	38	20	20	NUM
easat-4937	333	39	,	,	PUNCT
easat-4937	333	40	no	no	INTJ
easat-4937	333	41	.	.	NOUN
easat-4937	333	42	4	4	NUM
easat-4937	333	43	,	,	PUNCT
easat-4937	333	44	pp	pp	ADJ
easat-4937	333	45	.	.	PUNCT
easat-4937	334	1	239	239	NUM
easat-4937	334	2	-	-	SYM
easat-4937	334	3	251	251	NUM
easat-4937	334	4	,	,	PUNCT
easat-4937	334	5	2019	2019	NUM
easat-4937	334	6	.	.	PUNCT
easat-4937	335	1	https://doi.org/10.1177/1465750319842528	https://doi.org/10.1177/1465750319842528	X
easat-4937	336	1	[	[	X
easat-4937	336	2	5	5	NUM
easat-4937	336	3	]	]	PUNCT
easat-4937	336	4	c.	c.	PROPN
easat-4937	336	5	wang	wang	PROPN
easat-4937	336	6	,	,	PUNCT
easat-4937	336	7	w.	w.	PROPN
easat-4937	336	8	zhang	zhang	PROPN
easat-4937	336	9	,	,	PUNCT
easat-4937	336	10	x.	x.	PROPN
easat-4937	336	11	zhao	zhao	PROPN
easat-4937	336	12	,	,	PUNCT
easat-4937	336	13	and	and	CCONJ
easat-4937	336	14	j.	j.	PROPN
easat-4937	336	15	wang	wang	PROPN
easat-4937	336	16	,	,	PUNCT
easat-4937	336	17	"	"	PUNCT
easat-4937	336	18	soft	soft	ADJ
easat-4937	336	19	information	information	NOUN
easat-4937	336	20	in	in	ADP
easat-4937	336	21	online	online	ADJ
easat-4937	336	22	peer	peer	NOUN
easat-4937	336	23	-	-	PUNCT
easat-4937	336	24	to	to	ADP
easat-4937	336	25	-	-	PUNCT
easat-4937	336	26	peer	peer	NOUN
easat-4937	336	27	lending	lending	NOUN
easat-4937	336	28	:	:	PUNCT
easat-4937	336	29	evidence	evidence	NOUN
easat-4937	336	30	from	from	ADP
easat-4937	336	31	a	a	DET
easat-4937	336	32	leading	lead	VERB
easat-4937	336	33	platform	platform	NOUN
easat-4937	336	34	in	in	ADP
easat-4937	336	35	china	china	PROPN
easat-4937	336	36	,	,	PUNCT
easat-4937	336	37	"	"	PUNCT
easat-4937	336	38	electronic	electronic	ADJ
easat-4937	336	39	commerce	commerce	NOUN
easat-4937	336	40	research	research	NOUN
easat-4937	336	41	and	and	CCONJ
easat-4937	336	42	applications	application	NOUN
easat-4937	336	43	,	,	PUNCT
easat-4937	336	44	vol	vol	NOUN
easat-4937	336	45	.	.	PROPN
easat-4937	336	46	36	36	NUM
easat-4937	336	47	,	,	PUNCT
easat-4937	336	48	p.	p.	NOUN
easat-4937	336	49	100873	100873	NUM
easat-4937	336	50	,	,	PUNCT
easat-4937	336	51	2019	2019	NUM
easat-4937	336	52	.	.	PUNCT
easat-4937	337	1	https://doi.org/10.1016/j.elerap.2019.100873	https://doi.org/10.1016/j.elerap.2019.100873	NOUN
easat-4937	337	2	[	[	X
easat-4937	337	3	6	6	X
easat-4937	337	4	]	]	PUNCT
easat-4937	337	5	s.	s.	PROPN
easat-4937	337	6	chen	chen	PROPN
easat-4937	337	7	,	,	PUNCT
easat-4937	337	8	y.	y.	PROPN
easat-4937	337	9	gu	gu	PROPN
easat-4937	337	10	,	,	PUNCT
easat-4937	337	11	q.	q.	PROPN
easat-4937	337	12	liu	liu	PROPN
easat-4937	337	13	,	,	PUNCT
easat-4937	337	14	and	and	CCONJ
easat-4937	337	15	y.	y.	PROPN
easat-4937	337	16	tse	tse	PROPN
easat-4937	337	17	,	,	PUNCT
easat-4937	337	18	"	"	PUNCT
easat-4937	337	19	how	how	SCONJ
easat-4937	337	20	do	do	AUX
easat-4937	337	21	lenders	lender	NOUN
easat-4937	337	22	evaluate	evaluate	VERB
easat-4937	337	23	borrowers	borrower	NOUN
easat-4937	337	24	in	in	ADP
easat-4937	337	25	peer	peer	NOUN
easat-4937	337	26	-	-	PUNCT
easat-4937	337	27	to	to	ADP
easat-4937	337	28	-	-	PUNCT
easat-4937	337	29	peer	peer	NOUN
easat-4937	337	30	lending	lending	NOUN
easat-4937	337	31	in	in	ADP
easat-4937	337	32	china	china	PROPN
easat-4937	337	33	?	?	PUNCT
easat-4937	337	34	,	,	PUNCT
easat-4937	337	35	"	"	PUNCT
easat-4937	337	36	international	international	ADJ
easat-4937	337	37	review	review	NOUN
easat-4937	337	38	of	of	ADP
easat-4937	337	39	economics	economics	PROPN
easat-4937	337	40	&	&	CCONJ
easat-4937	337	41	finance	finance	PROPN
easat-4937	337	42	,	,	PUNCT
easat-4937	337	43	vol	vol	NOUN
easat-4937	337	44	.	.	PROPN
easat-4937	338	1	69	69	NUM
easat-4937	338	2	,	,	PUNCT
easat-4937	338	3	pp	pp	ADJ
easat-4937	338	4	.	.	PUNCT
easat-4937	339	1	651	651	NUM
easat-4937	339	2	-	-	SYM
easat-4937	339	3	662	662	NUM
easat-4937	339	4	,	,	PUNCT
easat-4937	339	5	2020	2020	NUM
easat-4937	339	6	.	.	PUNCT
easat-4937	340	1	https://doi.org/10.1016/j.iref.2020.06.038	https://doi.org/10.1016/j.iref.2020.06.038	NOUN
easat-4937	340	2	[	[	X
easat-4937	340	3	7	7	NUM
easat-4937	340	4	]	]	PUNCT
easat-4937	340	5	m.	m.	NOUN
easat-4937	340	6	caglayan	caglayan	NOUN
easat-4937	340	7	,	,	PUNCT
easat-4937	340	8	o.	o.	PROPN
easat-4937	340	9	talavera	talavera	PROPN
easat-4937	340	10	,	,	PUNCT
easat-4937	340	11	and	and	CCONJ
easat-4937	340	12	w.	w.	PROPN
easat-4937	340	13	zhang	zhang	PROPN
easat-4937	340	14	,	,	PUNCT
easat-4937	340	15	"	"	PUNCT
easat-4937	340	16	herding	herd	VERB
easat-4937	340	17	behaviour	behaviour	NOUN
easat-4937	340	18	in	in	ADP
easat-4937	340	19	p2p	p2p	NOUN
easat-4937	340	20	lending	lending	NOUN
easat-4937	340	21	markets	market	NOUN
easat-4937	340	22	,	,	PUNCT
easat-4937	340	23	"	"	PUNCT
easat-4937	340	24	journal	journal	NOUN
easat-4937	340	25	of	of	ADP
easat-4937	340	26	empirical	empirical	ADJ
easat-4937	340	27	finance	finance	NOUN
easat-4937	340	28	,	,	PUNCT
easat-4937	340	29	vol	vol	NOUN
easat-4937	340	30	.	.	PROPN
easat-4937	340	31	63	63	NUM
easat-4937	340	32	,	,	PUNCT
easat-4937	340	33	pp	pp	ADJ
easat-4937	340	34	.	.	PUNCT
easat-4937	341	1	27	27	NUM
easat-4937	341	2	-	-	SYM
easat-4937	341	3	41	41	NUM
easat-4937	341	4	,	,	PUNCT
easat-4937	341	5	2021	2021	NUM
easat-4937	341	6	.	.	PUNCT
easat-4937	342	1	https://doi.org/10.1016/j.jempfin.2021.05.005	https://doi.org/10.1016/j.jempfin.2021.05.005	X
easat-4937	342	2	[	[	X
easat-4937	342	3	8	8	NUM
easat-4937	342	4	]	]	PUNCT
easat-4937	342	5	l.	l.	PROPN
easat-4937	342	6	gonzalez	gonzalez	PROPN
easat-4937	342	7	,	,	PUNCT
easat-4937	342	8	"	"	PUNCT
easat-4937	342	9	blockchain	blockchain	NOUN
easat-4937	342	10	,	,	PUNCT
easat-4937	342	11	herding	herding	NOUN
easat-4937	342	12	and	and	CCONJ
easat-4937	342	13	trust	trust	NOUN
easat-4937	342	14	in	in	ADP
easat-4937	342	15	peer	peer	NOUN
easat-4937	342	16	-	-	PUNCT
easat-4937	342	17	to	to	ADP
easat-4937	342	18	-	-	PUNCT
easat-4937	342	19	peer	peer	NOUN
easat-4937	342	20	lending	lending	NOUN
easat-4937	342	21	,	,	PUNCT
easat-4937	342	22	"	"	PUNCT
easat-4937	342	23	managerial	managerial	ADJ
easat-4937	342	24	finance	finance	NOUN
easat-4937	342	25	,	,	PUNCT
easat-4937	342	26	vol	vol	NOUN
easat-4937	342	27	.	.	PROPN
easat-4937	342	28	46	46	NUM
easat-4937	342	29	,	,	PUNCT
easat-4937	342	30	no	no	INTJ
easat-4937	342	31	.	.	NOUN
easat-4937	342	32	6	6	NUM
easat-4937	342	33	,	,	PUNCT
easat-4937	342	34	pp	pp	ADJ
easat-4937	342	35	.	.	PUNCT
easat-4937	342	36	815	815	NUM
easat-4937	342	37	-	-	SYM
easat-4937	342	38	831	831	NUM
easat-4937	342	39	,	,	PUNCT
easat-4937	342	40	2020	2020	NUM
easat-4937	342	41	.	.	PUNCT
easat-4937	343	1	https://doi.org/10.1108/mf-09-2018-0423	https://doi.org/10.1108/mf-09-2018-0423	ADP
easat-4937	343	2	[	[	X
easat-4937	343	3	9	9	NUM
easat-4937	343	4	]	]	PUNCT
easat-4937	343	5	s.	s.	PROPN
easat-4937	343	6	shao	shao	PROPN
easat-4937	343	7	and	and	CCONJ
easat-4937	343	8	h.	h.	PROPN
easat-4937	343	9	bo	bo	PROPN
easat-4937	343	10	,	,	PUNCT
easat-4937	343	11	"	"	PUNCT
easat-4937	343	12	behavioural	behavioural	ADJ
easat-4937	343	13	aspects	aspect	NOUN
easat-4937	343	14	of	of	ADP
easat-4937	343	15	china	china	PROPN
easat-4937	343	16	's	's	PART
easat-4937	343	17	p2p	p2p	NOUN
easat-4937	343	18	lending	lending	NOUN
easat-4937	343	19	,	,	PUNCT
easat-4937	343	20	"	"	PUNCT
easat-4937	343	21	the	the	DET
easat-4937	343	22	european	european	PROPN
easat-4937	343	23	journal	journal	PROPN
easat-4937	343	24	of	of	ADP
easat-4937	343	25	finance	finance	NOUN
easat-4937	343	26	,	,	PUNCT
easat-4937	343	27	vol	vol	NOUN
easat-4937	343	28	.	.	PROPN
easat-4937	343	29	28	28	NUM
easat-4937	343	30	,	,	PUNCT
easat-4937	343	31	no	no	INTJ
easat-4937	343	32	.	.	NOUN
easat-4937	343	33	1	1	NUM
easat-4937	343	34	,	,	PUNCT
easat-4937	343	35	pp	pp	ADJ
easat-4937	343	36	.	.	PUNCT
easat-4937	344	1	30	30	NUM
easat-4937	344	2	-	-	SYM
easat-4937	344	3	45	45	NUM
easat-4937	344	4	,	,	PUNCT
easat-4937	344	5	2022	2022	NUM
easat-4937	344	6	.	.	PUNCT
easat-4937	345	1	https://doi.org/10.1080/1351847x.2021.1880459	https://doi.org/10.1080/1351847x.2021.1880459	PROPN
easat-4937	345	2	https://creativecommons.org/licenses/by/4.0/	https://creativecommons.org/licenses/by/4.0/	PROPN
easat-4937	345	3	https://doi.org/10.1002/9781118766804.wbiect111	https://doi.org/10.1002/9781118766804.wbiect111	PROPN
easat-4937	345	4	https://doi.org/10.3390/su12135239	https://doi.org/10.3390/su12135239	PROPN
easat-4937	345	5	https://doi.org/10.1016/j.jempfin.2021.02.004	https://doi.org/10.1016/j.jempfin.2021.02.004	X
easat-4937	345	6	https://doi.org/10.1177/1465750319842528	https://doi.org/10.1177/1465750319842528	PROPN
easat-4937	345	7	https://doi.org/10.1016/j.elerap.2019.100873	https://doi.org/10.1016/j.elerap.2019.100873	PROPN
easat-4937	345	8	https://doi.org/10.1016/j.iref.2020.06.038	https://doi.org/10.1016/j.iref.2020.06.038	NOUN
easat-4937	345	9	https://doi.org/10.1016/j.jempfin.2021.05.005	https://doi.org/10.1016/j.jempfin.2021.05.005	X
easat-4937	345	10	https://doi.org/10.1108/mf-09-2018-0423	https://doi.org/10.1108/mf-09-2018-0423	ADP
easat-4937	345	11	https://doi.org/10.1080/1351847x.2021.1880459	https://doi.org/10.1080/1351847x.2021.1880459	PROPN
easat-4937	345	12	1849	1849	NUM
easat-4937	345	13	edelweiss	edelweiss	PROPN
easat-4937	345	14	applied	apply	VERB
easat-4937	345	15	science	science	NOUN
easat-4937	345	16	and	and	CCONJ
easat-4937	345	17	technology	technology	NOUN
easat-4937	345	18	issn	issn	PROPN
easat-4937	345	19	:	:	PUNCT
easat-4937	345	20	2576	2576	NUM
easat-4937	345	21	-	-	SYM
easat-4937	345	22	8484	8484	NUM
easat-4937	345	23	vol	vol	NOUN
easat-4937	345	24	.	.	PROPN
easat-4937	346	1	9	9	NUM
easat-4937	346	2	,	,	PUNCT
easat-4937	346	3	no	no	INTJ
easat-4937	346	4	.	.	NOUN
easat-4937	346	5	2	2	NUM
easat-4937	346	6	:	:	SYM
easat-4937	346	7	1839	1839	NUM
easat-4937	346	8	-	-	SYM
easat-4937	346	9	1851	1851	NUM
easat-4937	346	10	,	,	PUNCT
easat-4937	346	11	2025	2025	NUM
easat-4937	346	12	doi	doi	NOUN
easat-4937	346	13	:	:	PUNCT
easat-4937	346	14	10.55214/25768484.v9i2.4937	10.55214/25768484.v9i2.4937	NUM
easat-4937	346	15	©	©	PROPN
easat-4937	346	16	2025	2025	NUM
easat-4937	346	17	by	by	ADP
easat-4937	346	18	the	the	DET
easat-4937	346	19	authors	author	NOUN
easat-4937	346	20	;	;	PUNCT
easat-4937	346	21	licensee	licensee	PROPN
easat-4937	346	22	learning	learning	NOUN
easat-4937	346	23	gate	gate	NOUN
easat-4937	347	1	[	[	X
easat-4937	347	2	10	10	NUM
easat-4937	347	3	]	]	PUNCT
easat-4937	347	4	x.	x.	PROPN
easat-4937	347	5	chen	chen	PROPN
easat-4937	347	6	,	,	PUNCT
easat-4937	347	7	b.	b.	PROPN
easat-4937	347	8	huang	huang	PROPN
easat-4937	347	9	,	,	PUNCT
easat-4937	347	10	and	and	CCONJ
easat-4937	347	11	m.	m.	NOUN
easat-4937	347	12	shaban	shaban	PROPN
easat-4937	347	13	,	,	PUNCT
easat-4937	347	14	"	"	PUNCT
easat-4937	347	15	naïve	naïve	ADJ
easat-4937	347	16	or	or	CCONJ
easat-4937	347	17	sophisticated	sophisticated	ADJ
easat-4937	347	18	?	?	PUNCT
easat-4937	348	1	information	information	NOUN
easat-4937	348	2	disclosure	disclosure	NOUN
easat-4937	348	3	and	and	CCONJ
easat-4937	348	4	investment	investment	NOUN
easat-4937	348	5	decisions	decision	NOUN
easat-4937	348	6	in	in	ADP
easat-4937	348	7	peer	peer	NOUN
easat-4937	348	8	to	to	ADP
easat-4937	348	9	peer	peer	NOUN
easat-4937	348	10	lending	lending	NOUN
easat-4937	348	11	,	,	PUNCT
easat-4937	348	12	"	"	PUNCT
easat-4937	348	13	journal	journal	NOUN
easat-4937	348	14	of	of	ADP
easat-4937	348	15	corporate	corporate	ADJ
easat-4937	348	16	finance	finance	NOUN
easat-4937	348	17	,	,	PUNCT
easat-4937	348	18	vol	vol	NOUN
easat-4937	348	19	.	.	PROPN
easat-4937	348	20	77	77	NUM
easat-4937	348	21	,	,	PUNCT
easat-4937	348	22	p.	p.	NOUN
easat-4937	348	23	101805	101805	NUM
easat-4937	348	24	,	,	PUNCT
easat-4937	348	25	2022	2022	NUM
easat-4937	348	26	.	.	PUNCT
easat-4937	349	1	https://doi.org/10.1016/j.jcorpfin.2020.101805	https://doi.org/10.1016/j.jcorpfin.2020.101805	PROPN
easat-4937	349	2	[	[	X
easat-4937	349	3	11	11	NUM
easat-4937	349	4	]	]	PUNCT
easat-4937	349	5	j.	j.	PROPN
easat-4937	349	6	deng	deng	PROPN
easat-4937	349	7	,	,	PUNCT
easat-4937	349	8	h.	h.	PROPN
easat-4937	349	9	ghasemkhani	ghasemkhani	PROPN
easat-4937	349	10	,	,	PUNCT
easat-4937	349	11	y.	y.	PROPN
easat-4937	349	12	tan	tan	PROPN
easat-4937	349	13	,	,	PUNCT
easat-4937	349	14	and	and	CCONJ
easat-4937	349	15	a.	a.	PROPN
easat-4937	349	16	k.	k.	PROPN
easat-4937	349	17	tripathi	tripathi	PROPN
easat-4937	349	18	,	,	PUNCT
easat-4937	349	19	"	"	PUNCT
easat-4937	349	20	actions	action	NOUN
easat-4937	349	21	speak	speak	VERB
easat-4937	349	22	louder	louder	ADV
easat-4937	349	23	than	than	ADP
easat-4937	349	24	words	word	NOUN
easat-4937	349	25	:	:	PUNCT
easat-4937	349	26	imputing	impute	VERB
easat-4937	349	27	users	user	NOUN
easat-4937	349	28	’	’	PART
easat-4937	349	29	reputation	reputation	NOUN
easat-4937	349	30	from	from	ADP
easat-4937	349	31	transaction	transaction	NOUN
easat-4937	349	32	history	history	NOUN
easat-4937	349	33	,	,	PUNCT
easat-4937	349	34	"	"	PUNCT
easat-4937	349	35	production	production	NOUN
easat-4937	349	36	and	and	CCONJ
easat-4937	349	37	operations	operation	NOUN
easat-4937	349	38	management	management	NOUN
easat-4937	349	39	,	,	PUNCT
easat-4937	349	40	vol	vol	NOUN
easat-4937	349	41	.	.	PROPN
easat-4937	350	1	32	32	NUM
easat-4937	350	2	,	,	PUNCT
easat-4937	350	3	no	no	INTJ
easat-4937	350	4	.	.	NOUN
easat-4937	350	5	4	4	NUM
easat-4937	350	6	,	,	PUNCT
easat-4937	350	7	pp	pp	ADJ
easat-4937	350	8	.	.	PUNCT
easat-4937	351	1	1096	1096	NUM
easat-4937	351	2	-	-	SYM
easat-4937	351	3	1111	1111	NUM
easat-4937	351	4	,	,	PUNCT
easat-4937	351	5	2023	2023	NUM
easat-4937	351	6	.	.	PUNCT
easat-4937	352	1	https://doi.org/10.1111/poms.13913	https://doi.org/10.1111/poms.13913	PROPN
easat-4937	352	2	[	[	X
easat-4937	352	3	12	12	NUM
easat-4937	352	4	]	]	PUNCT
easat-4937	352	5	m.	m.	NOUN
easat-4937	352	6	zhai	zhai	PROPN
easat-4937	352	7	,	,	PUNCT
easat-4937	352	8	y.	y.	PROPN
easat-4937	352	9	chen	chen	PROPN
easat-4937	352	10	,	,	PUNCT
easat-4937	352	11	and	and	CCONJ
easat-4937	352	12	m.	m.	PROPN
easat-4937	352	13	wei	wei	PROPN
easat-4937	352	14	,	,	PUNCT
easat-4937	352	15	"	"	PUNCT
easat-4937	352	16	influence	influence	NOUN
easat-4937	352	17	of	of	ADP
easat-4937	352	18	trust	trust	NOUN
easat-4937	352	19	and	and	CCONJ
easat-4937	352	20	risk	risk	NOUN
easat-4937	352	21	on	on	ADP
easat-4937	352	22	peer	peer	NOUN
easat-4937	352	23	-	-	PUNCT
easat-4937	352	24	to	to	ADP
easat-4937	352	25	-	-	PUNCT
easat-4937	352	26	peer	peer	NOUN
easat-4937	352	27	investment	investment	NOUN
easat-4937	352	28	willingness	willingness	NOUN
easat-4937	352	29	:	:	PUNCT
easat-4937	352	30	a	a	DET
easat-4937	352	31	bidirectional	bidirectional	ADJ
easat-4937	352	32	perspective	perspective	NOUN
easat-4937	352	33	,	,	PUNCT
easat-4937	352	34	"	"	PUNCT
easat-4937	352	35	internet	internet	NOUN
easat-4937	352	36	research	research	NOUN
easat-4937	352	37	,	,	PUNCT
easat-4937	352	38	vol	vol	NOUN
easat-4937	352	39	.	.	PROPN
easat-4937	353	1	32	32	NUM
easat-4937	353	2	,	,	PUNCT
easat-4937	353	3	no	no	INTJ
easat-4937	353	4	.	.	NOUN
easat-4937	353	5	3	3	NUM
easat-4937	353	6	,	,	PUNCT
easat-4937	353	7	pp	pp	ADJ
easat-4937	353	8	.	.	PUNCT
easat-4937	354	1	943	943	NUM
easat-4937	354	2	-	-	SYM
easat-4937	354	3	966	966	NUM
easat-4937	354	4	,	,	PUNCT
easat-4937	354	5	2022	2022	NUM
easat-4937	354	6	.	.	PUNCT
easat-4937	355	1	https://doi.org/10.1108/intr-11-2019-0444	https://doi.org/10.1108/intr-11-2019-0444	NOUN
easat-4937	355	2	[	[	X
easat-4937	355	3	13	13	NUM
easat-4937	355	4	]	]	PUNCT
easat-4937	355	5	r.	r.	PROPN
easat-4937	355	6	k.	k.	PROPN
easat-4937	355	7	raut	raut	PROPN
easat-4937	355	8	,	,	PUNCT
easat-4937	355	9	"	"	PUNCT
easat-4937	355	10	past	past	ADJ
easat-4937	355	11	behaviour	behaviour	NOUN
easat-4937	355	12	,	,	PUNCT
easat-4937	355	13	financial	financial	ADJ
easat-4937	355	14	literacy	literacy	NOUN
easat-4937	355	15	and	and	CCONJ
easat-4937	355	16	investment	investment	NOUN
easat-4937	355	17	decision	decision	NOUN
easat-4937	355	18	-	-	PUNCT
easat-4937	355	19	making	make	VERB
easat-4937	355	20	process	process	NOUN
easat-4937	355	21	of	of	ADP
easat-4937	355	22	individual	individual	ADJ
easat-4937	355	23	investors	investor	NOUN
easat-4937	355	24	,	,	PUNCT
easat-4937	355	25	"	"	PUNCT
easat-4937	355	26	international	international	ADJ
easat-4937	355	27	journal	journal	NOUN
easat-4937	355	28	of	of	ADP
easat-4937	355	29	emerging	emerge	VERB
easat-4937	355	30	markets	market	NOUN
easat-4937	355	31	,	,	PUNCT
easat-4937	355	32	vol	vol	NOUN
easat-4937	355	33	.	.	PROPN
easat-4937	355	34	15	15	NUM
easat-4937	355	35	,	,	PUNCT
easat-4937	355	36	no	no	INTJ
easat-4937	355	37	.	.	NOUN
easat-4937	355	38	6	6	NUM
easat-4937	355	39	,	,	PUNCT
easat-4937	355	40	pp	pp	ADJ
easat-4937	355	41	.	.	PUNCT
easat-4937	356	1	1243	1243	NUM
easat-4937	356	2	-	-	SYM
easat-4937	356	3	1263	1263	NUM
easat-4937	356	4	,	,	PUNCT
easat-4937	356	5	2020	2020	NUM
easat-4937	356	6	.	.	PUNCT
easat-4937	357	1	https://doi.org/10.1108/ijoem-072018-0379	https://doi.org/10.1108/ijoem-072018-0379	X
easat-4937	358	1	[	[	X
easat-4937	358	2	14	14	NUM
easat-4937	358	3	]	]	PUNCT
easat-4937	358	4	s.	s.	PROPN
easat-4937	358	5	liang	liang	PROPN
easat-4937	358	6	,	,	PUNCT
easat-4937	358	7	"	"	PUNCT
easat-4937	358	8	the	the	DET
easat-4937	358	9	future	future	NOUN
easat-4937	358	10	of	of	ADP
easat-4937	358	11	finance	finance	NOUN
easat-4937	358	12	:	:	PUNCT
easat-4937	358	13	fintech	fintech	NOUN
easat-4937	358	14	and	and	CCONJ
easat-4937	358	15	digital	digital	ADJ
easat-4937	358	16	transformation	transformation	NOUN
easat-4937	358	17	,	,	PUNCT
easat-4937	358	18	"	"	PUNCT
easat-4937	358	19	highlights	highlight	NOUN
easat-4937	358	20	in	in	ADP
easat-4937	358	21	business	business	NOUN
easat-4937	358	22	,	,	PUNCT
easat-4937	358	23	economics	economic	NOUN
easat-4937	358	24	and	and	CCONJ
easat-4937	358	25	management	management	NOUN
easat-4937	358	26	,	,	PUNCT
easat-4937	358	27	vol	vol	NOUN
easat-4937	358	28	.	.	PROPN
easat-4937	358	29	15	15	NUM
easat-4937	358	30	,	,	PUNCT
easat-4937	358	31	pp	pp	ADJ
easat-4937	358	32	.	.	PUNCT
easat-4937	359	1	20	20	NUM
easat-4937	359	2	-	-	SYM
easat-4937	359	3	26	26	NUM
easat-4937	359	4	,	,	PUNCT
easat-4937	359	5	2023	2023	NUM
easat-4937	359	6	.	.	PUNCT
easat-4937	360	1	[	[	X
easat-4937	360	2	15	15	NUM
easat-4937	360	3	]	]	X
easat-4937	360	4	š	š	PROPN
easat-4937	360	5	.	.	PUNCT
easat-4937	361	1	lyócsa	lyócsa	PROPN
easat-4937	361	2	,	,	PUNCT
easat-4937	361	3	p.	p.	PROPN
easat-4937	361	4	vašaničová	vašaničová	PROPN
easat-4937	361	5	,	,	PUNCT
easat-4937	361	6	b.	b.	PROPN
easat-4937	361	7	hadji	hadji	PROPN
easat-4937	361	8	misheva	misheva	PROPN
easat-4937	361	9	,	,	PUNCT
easat-4937	361	10	and	and	CCONJ
easat-4937	361	11	m.	m.	PROPN
easat-4937	361	12	d.	d.	PROPN
easat-4937	361	13	vateha	vateha	ADV
easat-4937	361	14	,	,	PUNCT
easat-4937	361	15	"	"	PUNCT
easat-4937	361	16	default	default	NOUN
easat-4937	361	17	or	or	CCONJ
easat-4937	361	18	profit	profit	NOUN
easat-4937	361	19	scoring	scoring	NOUN
easat-4937	361	20	credit	credit	NOUN
easat-4937	361	21	systems	system	NOUN
easat-4937	361	22	?	?	PUNCT
easat-4937	362	1	evidence	evidence	NOUN
easat-4937	362	2	from	from	ADP
easat-4937	362	3	european	european	ADJ
easat-4937	362	4	and	and	CCONJ
easat-4937	362	5	us	we	PRON
easat-4937	362	6	peer	peer	NOUN
easat-4937	362	7	-	-	PUNCT
easat-4937	362	8	to	to	ADP
easat-4937	362	9	-	-	PUNCT
easat-4937	362	10	peer	peer	NOUN
easat-4937	362	11	lending	lending	NOUN
easat-4937	362	12	markets	market	NOUN
easat-4937	362	13	,	,	PUNCT
easat-4937	362	14	"	"	PUNCT
easat-4937	362	15	financial	financial	ADJ
easat-4937	362	16	innovation	innovation	NOUN
easat-4937	362	17	,	,	PUNCT
easat-4937	362	18	vol	vol	NOUN
easat-4937	362	19	.	.	PROPN
easat-4937	362	20	8	8	NUM
easat-4937	362	21	,	,	PUNCT
easat-4937	362	22	no	no	INTJ
easat-4937	362	23	.	.	NOUN
easat-4937	362	24	1	1	NUM
easat-4937	362	25	,	,	PUNCT
easat-4937	362	26	p.	p.	NOUN
easat-4937	362	27	32	32	NUM
easat-4937	362	28	,	,	PUNCT
easat-4937	362	29	2022	2022	NUM
easat-4937	362	30	.	.	PUNCT
easat-4937	363	1	https://doi.org/10.1186/s40854-022-00338-5	https://doi.org/10.1186/s40854-022-00338-5	PROPN
easat-4937	364	1	[	[	X
easat-4937	364	2	16	16	NUM
easat-4937	364	3	]	]	PUNCT
easat-4937	364	4	b.	b.	PROPN
easat-4937	364	5	niu	niu	PROPN
easat-4937	364	6	,	,	PUNCT
easat-4937	364	7	j.	j.	PROPN
easat-4937	364	8	ren	ren	PROPN
easat-4937	364	9	,	,	PUNCT
easat-4937	364	10	a.	a.	NOUN
easat-4937	364	11	zhao	zhao	PROPN
easat-4937	364	12	,	,	PUNCT
easat-4937	364	13	and	and	CCONJ
easat-4937	364	14	x.	x.	NOUN
easat-4937	364	15	li	li	PROPN
easat-4937	364	16	,	,	PUNCT
easat-4937	364	17	"	"	PUNCT
easat-4937	364	18	lender	lender	NOUN
easat-4937	364	19	trust	trust	NOUN
easat-4937	364	20	on	on	ADP
easat-4937	364	21	the	the	DET
easat-4937	364	22	p2p	p2p	NOUN
easat-4937	364	23	lending	lending	NOUN
easat-4937	364	24	:	:	PUNCT
easat-4937	364	25	analysis	analysis	NOUN
easat-4937	364	26	based	base	VERB
easat-4937	364	27	on	on	ADP
easat-4937	364	28	sentiment	sentiment	NOUN
easat-4937	364	29	analysis	analysis	NOUN
easat-4937	364	30	of	of	ADP
easat-4937	364	31	comment	comment	NOUN
easat-4937	364	32	text	text	NOUN
easat-4937	364	33	,	,	PUNCT
easat-4937	364	34	"	"	PUNCT
easat-4937	364	35	sustainability	sustainability	NOUN
easat-4937	364	36	,	,	PUNCT
easat-4937	364	37	vol	vol	NOUN
easat-4937	364	38	.	.	PROPN
easat-4937	364	39	12	12	NUM
easat-4937	364	40	,	,	PUNCT
easat-4937	364	41	no	no	INTJ
easat-4937	364	42	.	.	NOUN
easat-4937	364	43	8	8	NUM
easat-4937	364	44	,	,	PUNCT
easat-4937	364	45	p.	p.	NOUN
easat-4937	364	46	3293	3293	NUM
easat-4937	364	47	,	,	PUNCT
easat-4937	364	48	2020	2020	NUM
easat-4937	364	49	.	.	PUNCT
easat-4937	365	1	https://doi.org/10.3390/su12083293	https://doi.org/10.3390/su12083293	X
easat-4937	366	1	[	[	X
easat-4937	366	2	17	17	NUM
easat-4937	366	3	]	]	X
easat-4937	366	4	l.	l.	PROPN
easat-4937	366	5	t.	t.	PROPN
easat-4937	366	6	p.	p.	PROPN
easat-4937	366	7	nguyen	nguyen	PROPN
easat-4937	366	8	,	,	PUNCT
easat-4937	366	9	w.	w.	PROPN
easat-4937	366	10	kalabeke	kalabeke	PROPN
easat-4937	366	11	,	,	PUNCT
easat-4937	366	12	s.	s.	PROPN
easat-4937	366	13	muthaiyah	muthaiyah	PROPN
easat-4937	366	14	,	,	PUNCT
easat-4937	366	15	m.	m.	PROPN
easat-4937	366	16	y.	y.	PROPN
easat-4937	366	17	cheng	cheng	PROPN
easat-4937	366	18	,	,	PUNCT
easat-4937	366	19	k.	k.	PROPN
easat-4937	366	20	j.	j.	PROPN
easat-4937	366	21	hui	hui	PROPN
easat-4937	366	22	,	,	PUNCT
easat-4937	366	23	and	and	CCONJ
easat-4937	366	24	h.	h.	PROPN
easat-4937	366	25	mohamed	mohamed	PROPN
easat-4937	366	26	,	,	PUNCT
easat-4937	366	27	"	"	PUNCT
easat-4937	366	28	p2p	p2p	NOUN
easat-4937	366	29	lending	lending	NOUN
easat-4937	366	30	platforms	platform	NOUN
easat-4937	366	31	in	in	ADP
easat-4937	366	32	malaysia	malaysia	PROPN
easat-4937	366	33	:	:	PUNCT
easat-4937	366	34	what	what	PRON
easat-4937	366	35	do	do	AUX
easat-4937	366	36	we	we	PRON
easat-4937	366	37	know	know	VERB
easat-4937	366	38	?	?	PUNCT
easat-4937	366	39	,	,	PUNCT
easat-4937	366	40	"	"	PUNCT
easat-4937	366	41	f1000research	f1000research	NOUN
easat-4937	366	42	,	,	PUNCT
easat-4937	366	43	vol	vol	NOUN
easat-4937	366	44	.	.	PROPN
easat-4937	366	45	10	10	NUM
easat-4937	366	46	,	,	PUNCT
easat-4937	366	47	p.	p.	NOUN
easat-4937	366	48	1088	1088	NUM
easat-4937	366	49	,	,	PUNCT
easat-4937	366	50	2023	2023	NUM
easat-4937	366	51	.	.	PUNCT
easat-4937	367	1	https://doi.org/10.12688/f1000research.73410.1	https://doi.org/10.12688/f1000research.73410.1	PROPN
easat-4937	367	2	[	[	X
easat-4937	367	3	18	18	NUM
easat-4937	367	4	]	]	PUNCT
easat-4937	367	5	b.	b.	PROPN
easat-4937	367	6	setiawan	setiawan	PROPN
easat-4937	367	7	,	,	PUNCT
easat-4937	367	8	y.	y.	PROPN
easat-4937	367	9	andrianto	andrianto	PROPN
easat-4937	367	10	,	,	PUNCT
easat-4937	367	11	and	and	CCONJ
easat-4937	367	12	f.	f.	PROPN
easat-4937	367	13	safira	safira	PROPN
easat-4937	367	14	,	,	PUNCT
easat-4937	367	15	"	"	PUNCT
easat-4937	367	16	investment	investment	NOUN
easat-4937	367	17	decisions	decision	NOUN
easat-4937	367	18	and	and	CCONJ
easat-4937	367	19	investor	investor	NOUN
easat-4937	367	20	experience	experience	NOUN
easat-4937	367	21	in	in	ADP
easat-4937	367	22	choosing	choose	VERB
easat-4937	367	23	financial	financial	ADJ
easat-4937	367	24	technology	technology	NOUN
easat-4937	367	25	(	(	PUNCT
easat-4937	367	26	fintech	fintech	NOUN
easat-4937	367	27	)	)	PUNCT
easat-4937	367	28	services	service	NOUN
easat-4937	367	29	:	:	PUNCT
easat-4937	367	30	peer	peer	NOUN
easat-4937	367	31	-	-	PUNCT
easat-4937	367	32	to	to	ADP
easat-4937	367	33	-	-	PUNCT
easat-4937	367	34	peer	peer	NOUN
easat-4937	367	35	lending	lending	NOUN
easat-4937	367	36	,	,	PUNCT
easat-4937	367	37	"	"	PUNCT
easat-4937	367	38	presented	present	VERB
easat-4937	367	39	at	at	ADP
easat-4937	367	40	the	the	PRON
easat-4937	367	41	in	in	ADP
easat-4937	367	42	3rd	3rd	PROPN
easat-4937	367	43	asia	asia	PROPN
easat-4937	367	44	pacific	pacific	PROPN
easat-4937	367	45	management	management	PROPN
easat-4937	367	46	research	research	NOUN
easat-4937	367	47	conference	conference	NOUN
easat-4937	367	48	(	(	PUNCT
easat-4937	367	49	apmrc	apmrc	NOUN
easat-4937	367	50	2019	2019	NUM
easat-4937	367	51	)	)	PUNCT
easat-4937	367	52	(	(	PUNCT
easat-4937	367	53	pp	pp	ADJ
easat-4937	367	54	.	.	PUNCT
easat-4937	368	1	275	275	NUM
easat-4937	368	2	-	-	SYM
easat-4937	368	3	280	280	NUM
easat-4937	368	4	)	)	PUNCT
easat-4937	368	5	.	.	PUNCT
easat-4937	369	1	atlantis	atlantis	PROPN
easat-4937	369	2	press	press	PROPN
easat-4937	369	3	,	,	PUNCT
easat-4937	369	4	2020	2020	NUM
easat-4937	369	5	.	.	PUNCT
easat-4937	370	1	[	[	X
easat-4937	370	2	19	19	NUM
easat-4937	370	3	]	]	X
easat-4937	370	4	y.	y.	PROPN
easat-4937	370	5	wu	wu	PROPN
easat-4937	370	6	et	et	PROPN
easat-4937	370	7	al	al	PROPN
easat-4937	370	8	.	.	PROPN
easat-4937	370	9	,	,	PUNCT
easat-4937	370	10	"	"	PUNCT
easat-4937	370	11	understanding	understand	VERB
easat-4937	370	12	lenders	lender	NOUN
easat-4937	370	13	’	’	PART
easat-4937	370	14	investment	investment	NOUN
easat-4937	370	15	behavior	behavior	NOUN
easat-4937	370	16	in	in	ADP
easat-4937	370	17	online	online	ADJ
easat-4937	370	18	peer	peer	NOUN
easat-4937	370	19	-	-	PUNCT
easat-4937	370	20	to	to	ADP
easat-4937	370	21	-	-	PUNCT
easat-4937	370	22	peer	peer	NOUN
easat-4937	370	23	lending	lending	NOUN
easat-4937	370	24	:	:	PUNCT
easat-4937	370	25	a	a	DET
easat-4937	370	26	construal	construal	ADJ
easat-4937	370	27	level	level	NOUN
easat-4937	370	28	theory	theory	NOUN
easat-4937	370	29	perspective	perspective	NOUN
easat-4937	370	30	,	,	PUNCT
easat-4937	370	31	"	"	PUNCT
easat-4937	370	32	retrieved	retrieve	VERB
easat-4937	370	33	:	:	PUNCT
easat-4937	370	34	https://www.transparencymarketresearch.com/pressrelease/peer-to-peer-lendingmarket.htm	https://www.transparencymarketresearch.com/pressrelease/peer-to-peer-lendingmarket.htm	ADJ
easat-4937	370	35	,	,	PUNCT
easat-4937	370	36	2020	2020	NUM
easat-4937	370	37	.	.	PUNCT
easat-4937	371	1	[	[	X
easat-4937	371	2	20	20	NUM
easat-4937	371	3	]	]	PUNCT
easat-4937	371	4	j.	j.	PROPN
easat-4937	371	5	zhang	zhang	PROPN
easat-4937	371	6	,	,	PUNCT
easat-4937	371	7	w.	w.	PROPN
easat-4937	371	8	zhang	zhang	PROPN
easat-4937	371	9	,	,	PUNCT
easat-4937	371	10	y.	y.	PROPN
easat-4937	371	11	li	li	PROPN
easat-4937	371	12	,	,	PUNCT
easat-4937	371	13	and	and	CCONJ
easat-4937	371	14	s.	s.	PROPN
easat-4937	371	15	yin	yin	PROPN
easat-4937	371	16	,	,	PUNCT
easat-4937	371	17	"	"	PUNCT
easat-4937	371	18	seeking	seek	VERB
easat-4937	371	19	excess	excess	ADJ
easat-4937	371	20	returns	return	NOUN
easat-4937	371	21	under	under	ADP
easat-4937	371	22	a	a	DET
easat-4937	371	23	posted	post	VERB
easat-4937	371	24	price	price	NOUN
easat-4937	371	25	mechanism	mechanism	NOUN
easat-4937	371	26	:	:	PUNCT
easat-4937	371	27	evidence	evidence	NOUN
easat-4937	371	28	from	from	ADP
easat-4937	371	29	a	a	DET
easat-4937	371	30	peer‐to‐peer	peer‐to‐peer	PROPN
easat-4937	371	31	lending	lending	NOUN
easat-4937	371	32	market	market	NOUN
easat-4937	371	33	,	,	PUNCT
easat-4937	371	34	"	"	PUNCT
easat-4937	371	35	the	the	DET
easat-4937	371	36	manchester	manchester	PROPN
easat-4937	371	37	school	school	PROPN
easat-4937	371	38	,	,	PUNCT
easat-4937	371	39	vol	vol	NOUN
easat-4937	371	40	.	.	PROPN
easat-4937	371	41	89	89	NUM
easat-4937	371	42	,	,	PUNCT
easat-4937	371	43	no	no	INTJ
easat-4937	371	44	.	.	NOUN
easat-4937	371	45	5	5	NUM
easat-4937	371	46	,	,	PUNCT
easat-4937	371	47	pp	pp	ADJ
easat-4937	371	48	.	.	PUNCT
easat-4937	371	49	486	486	NUM
easat-4937	371	50	-	-	SYM
easat-4937	371	51	506	506	NUM
easat-4937	371	52	,	,	PUNCT
easat-4937	371	53	2021	2021	NUM
easat-4937	371	54	.	.	PUNCT
easat-4937	372	1	https://doi.org/10.1111/manc.12330	https://doi.org/10.1111/manc.12330	PRON
easat-4937	372	2	[	[	X
easat-4937	372	3	21	21	NUM
easat-4937	372	4	]	]	X
easat-4937	372	5	c.	c.	PROPN
easat-4937	372	6	lin	lin	PROPN
easat-4937	372	7	,	,	PUNCT
easat-4937	372	8	n.	n.	PROPN
easat-4937	372	9	qiao	qiao	PROPN
easat-4937	372	10	,	,	PUNCT
easat-4937	372	11	w.	w.	PROPN
easat-4937	372	12	zhang	zhang	PROPN
easat-4937	372	13	,	,	PUNCT
easat-4937	372	14	y.	y.	PROPN
easat-4937	372	15	li	li	PROPN
easat-4937	372	16	,	,	PUNCT
easat-4937	372	17	and	and	CCONJ
easat-4937	372	18	s.	s.	PROPN
easat-4937	372	19	ma	ma	PROPN
easat-4937	372	20	,	,	PUNCT
easat-4937	372	21	"	"	PUNCT
easat-4937	372	22	default	default	NOUN
easat-4937	372	23	risk	risk	NOUN
easat-4937	372	24	prediction	prediction	NOUN
easat-4937	372	25	and	and	CCONJ
easat-4937	372	26	feature	feature	NOUN
easat-4937	372	27	extraction	extraction	NOUN
easat-4937	372	28	using	use	VERB
easat-4937	372	29	a	a	DET
easat-4937	372	30	penalized	penalize	VERB
easat-4937	372	31	deep	deep	ADJ
easat-4937	372	32	neural	neural	ADJ
easat-4937	372	33	network	network	NOUN
easat-4937	372	34	,	,	PUNCT
easat-4937	372	35	"	"	PUNCT
easat-4937	372	36	statistics	statistic	NOUN
easat-4937	372	37	and	and	CCONJ
easat-4937	372	38	computing	computing	NOUN
easat-4937	372	39	,	,	PUNCT
easat-4937	372	40	vol	vol	NOUN
easat-4937	372	41	.	.	PROPN
easat-4937	372	42	32	32	NUM
easat-4937	372	43	,	,	PUNCT
easat-4937	372	44	no	no	INTJ
easat-4937	372	45	.	.	NOUN
easat-4937	372	46	5	5	NUM
easat-4937	372	47	,	,	PUNCT
easat-4937	372	48	p.	p.	NOUN
easat-4937	372	49	76	76	NUM
easat-4937	372	50	,	,	PUNCT
easat-4937	372	51	2022	2022	NUM
easat-4937	372	52	.	.	PUNCT
easat-4937	373	1	https://doi.org/10.1007/s11222-022-10140-z	https://doi.org/10.1007/s11222-022-10140-z	PROPN
easat-4937	373	2	[	[	X
easat-4937	373	3	22	22	NUM
easat-4937	373	4	]	]	X
easat-4937	373	5	g.	g.	PROPN
easat-4937	373	6	mazure	mazure	PROPN
easat-4937	373	7	,	,	PUNCT
easat-4937	373	8	"	"	PUNCT
easat-4937	373	9	financial	financial	ADJ
easat-4937	373	10	platforms	platform	NOUN
easat-4937	373	11	as	as	ADP
easat-4937	373	12	alternative	alternative	ADJ
easat-4937	373	13	financial	financial	ADJ
easat-4937	373	14	instrument	instrument	NOUN
easat-4937	373	15	to	to	ADP
easat-4937	373	16	crediting	credit	VERB
easat-4937	373	17	in	in	ADP
easat-4937	373	18	europe	europe	PROPN
easat-4937	373	19	,	,	PUNCT
easat-4937	373	20	"	"	PUNCT
easat-4937	373	21	research	research	NOUN
easat-4937	373	22	for	for	ADP
easat-4937	373	23	rural	rural	ADJ
easat-4937	373	24	development	development	NOUN
easat-4937	373	25	,	,	PUNCT
easat-4937	373	26	vol	vol	NOUN
easat-4937	373	27	.	.	PROPN
easat-4937	373	28	37	37	NUM
easat-4937	373	29	,	,	PUNCT
easat-4937	373	30	pp	pp	ADJ
easat-4937	373	31	.	.	PUNCT
easat-4937	374	1	202	202	NUM
easat-4937	374	2	-	-	SYM
easat-4937	374	3	209	209	NUM
easat-4937	374	4	,	,	PUNCT
easat-4937	374	5	2022	2022	NUM
easat-4937	374	6	.	.	PUNCT
easat-4937	375	1	https://doi.org/10.22616/rrd.28.2022.029	https://doi.org/10.22616/rrd.28.2022.029	PROPN
easat-4937	376	1	[	[	X
easat-4937	376	2	23	23	NUM
easat-4937	376	3	]	]	X
easat-4937	376	4	g.	g.	PROPN
easat-4937	376	5	klein	klein	PROPN
easat-4937	376	6	,	,	PUNCT
easat-4937	376	7	z.	z.	PROPN
easat-4937	376	8	shtudiner	shtudiner	NOUN
easat-4937	376	9	,	,	PUNCT
easat-4937	376	10	and	and	CCONJ
easat-4937	376	11	m.	m.	NOUN
easat-4937	376	12	zwilling	zwilling	PROPN
easat-4937	376	13	,	,	PUNCT
easat-4937	376	14	"	"	PUNCT
easat-4937	376	15	why	why	SCONJ
easat-4937	376	16	do	do	AUX
easat-4937	376	17	peer	peer	NOUN
easat-4937	376	18	-	-	PUNCT
easat-4937	376	19	to	to	ADP
easat-4937	376	20	-	-	PUNCT
easat-4937	376	21	peer	peer	NOUN
easat-4937	376	22	(	(	PUNCT
easat-4937	376	23	p2p	p2p	NOUN
easat-4937	376	24	)	)	PUNCT
easat-4937	376	25	lending	lending	NOUN
easat-4937	376	26	platforms	platform	NOUN
easat-4937	376	27	fail	fail	VERB
easat-4937	376	28	?	?	PUNCT
easat-4937	377	1	the	the	DET
easat-4937	377	2	gap	gap	NOUN
easat-4937	377	3	between	between	ADP
easat-4937	377	4	p2p	p2p	NOUN
easat-4937	377	5	lenders	lender	NOUN
easat-4937	377	6	'	'	PART
easat-4937	377	7	preferences	preference	NOUN
easat-4937	377	8	and	and	CCONJ
easat-4937	377	9	the	the	DET
easat-4937	377	10	platforms	platform	NOUN
easat-4937	377	11	’	'	PUNCT
easat-4937	377	12	intentions	intention	NOUN
easat-4937	377	13	,	,	PUNCT
easat-4937	377	14	"	"	PUNCT
easat-4937	377	15	electronic	electronic	ADJ
easat-4937	377	16	commerce	commerce	NOUN
easat-4937	377	17	research	research	NOUN
easat-4937	377	18	,	,	PUNCT
easat-4937	377	19	vol	vol	NOUN
easat-4937	377	20	.	.	PROPN
easat-4937	377	21	23	23	NUM
easat-4937	377	22	,	,	PUNCT
easat-4937	377	23	no	no	INTJ
easat-4937	377	24	.	.	NOUN
easat-4937	377	25	2	2	NUM
easat-4937	377	26	,	,	PUNCT
easat-4937	377	27	pp	pp	ADJ
easat-4937	377	28	.	.	PUNCT
easat-4937	378	1	709	709	NUM
easat-4937	378	2	-	-	SYM
easat-4937	378	3	738	738	NUM
easat-4937	378	4	,	,	PUNCT
easat-4937	378	5	2023	2023	NUM
easat-4937	378	6	.	.	PUNCT
easat-4937	379	1	https://doi.org/10.1007/s10660-021-09489-6	https://doi.org/10.1007/s10660-021-09489-6	NUM
easat-4937	380	1	[	[	X
easat-4937	380	2	24	24	NUM
easat-4937	380	3	]	]	PUNCT
easat-4937	380	4	k.	k.	PROPN
easat-4937	380	5	mukerjee	mukerjee	PROPN
easat-4937	380	6	,	,	PUNCT
easat-4937	380	7	"	"	PUNCT
easat-4937	380	8	a	a	DET
easat-4937	380	9	study	study	NOUN
easat-4937	380	10	on	on	ADP
easat-4937	380	11	lender	lender	NOUN
easat-4937	380	12	participation	participation	NOUN
easat-4937	380	13	in	in	ADP
easat-4937	380	14	peer	peer	NOUN
easat-4937	380	15	to	to	ADP
easat-4937	380	16	peer	peer	NOUN
easat-4937	380	17	lending	lending	NOUN
easat-4937	380	18	,	,	PUNCT
easat-4937	380	19	"	"	PUNCT
easat-4937	380	20	marketing	marketing	NOUN
easat-4937	380	21	intelligence	intelligence	NOUN
easat-4937	380	22	&	&	CCONJ
easat-4937	380	23	planning	planning	NOUN
easat-4937	380	24	,	,	PUNCT
easat-4937	380	25	vol	vol	NOUN
easat-4937	380	26	.	.	PROPN
easat-4937	380	27	42	42	NUM
easat-4937	380	28	,	,	PUNCT
easat-4937	380	29	no	no	INTJ
easat-4937	380	30	.	.	NOUN
easat-4937	380	31	1	1	NUM
easat-4937	380	32	,	,	PUNCT
easat-4937	380	33	pp	pp	ADJ
easat-4937	380	34	.	.	PUNCT
easat-4937	380	35	40	40	NUM
easat-4937	380	36	-	-	SYM
easat-4937	380	37	58	58	NUM
easat-4937	380	38	,	,	PUNCT
easat-4937	380	39	2024	2024	NUM
easat-4937	380	40	.	.	PUNCT
easat-4937	381	1	https://doi.org/10.1108/mip-05-2023-0195	https://doi.org/10.1108/mip-05-2023-0195	NOUN
easat-4937	381	2	[	[	X
easat-4937	381	3	25	25	NUM
easat-4937	381	4	]	]	PUNCT
easat-4937	381	5	l.	l.	PROPN
easat-4937	381	6	gonzalez	gonzalez	PROPN
easat-4937	381	7	,	,	PUNCT
easat-4937	381	8	"	"	PUNCT
easat-4937	381	9	financial	financial	ADJ
easat-4937	381	10	literacy	literacy	NOUN
easat-4937	381	11	in	in	ADP
easat-4937	381	12	for	for	ADP
easat-4937	381	13	-	-	PUNCT
easat-4937	381	14	profit	profit	NOUN
easat-4937	381	15	vs	vs	ADP
easat-4937	381	16	pro	pro	ADJ
easat-4937	381	17	-	-	ADJ
easat-4937	381	18	social	social	ADJ
easat-4937	381	19	peer	peer	NOUN
easat-4937	381	20	-	-	PUNCT
easat-4937	381	21	to	to	ADP
easat-4937	381	22	-	-	PUNCT
easat-4937	381	23	peer	peer	NOUN
easat-4937	381	24	lending	lending	NOUN
easat-4937	381	25	,	,	PUNCT
easat-4937	381	26	"	"	PUNCT
easat-4937	381	27	managerial	managerial	ADJ
easat-4937	381	28	finance	finance	NOUN
easat-4937	381	29	,	,	PUNCT
easat-4937	381	30	vol	vol	NOUN
easat-4937	381	31	.	.	PROPN
easat-4937	381	32	49	49	NUM
easat-4937	381	33	,	,	PUNCT
easat-4937	381	34	no	no	INTJ
easat-4937	381	35	.	.	NOUN
easat-4937	381	36	2	2	NUM
easat-4937	381	37	,	,	PUNCT
easat-4937	381	38	pp	pp	ADJ
easat-4937	381	39	.	.	PUNCT
easat-4937	382	1	315	315	NUM
easat-4937	382	2	-	-	SYM
easat-4937	382	3	337	337	NUM
easat-4937	382	4	,	,	PUNCT
easat-4937	382	5	2023	2023	NUM
easat-4937	382	6	.	.	PUNCT
easat-4937	383	1	https://doi.org/10.1108/mf-07-2021-0329	https://doi.org/10.1108/mf-07-2021-0329	PRON
easat-4937	384	1	[	[	X
easat-4937	384	2	26	26	NUM
easat-4937	384	3	]	]	PUNCT
easat-4937	384	4	r.	r.	PROPN
easat-4937	384	5	ye	ye	PROPN
easat-4937	384	6	and	and	CCONJ
easat-4937	384	7	y.	y.	PROPN
easat-4937	384	8	lin	lin	PROPN
easat-4937	384	9	,	,	PUNCT
easat-4937	384	10	"	"	PUNCT
easat-4937	384	11	relationship	relationship	NOUN
easat-4937	384	12	between	between	ADP
easat-4937	384	13	interest	interest	NOUN
easat-4937	384	14	rate	rate	NOUN
easat-4937	384	15	and	and	CCONJ
easat-4937	384	16	risk	risk	NOUN
easat-4937	384	17	of	of	ADP
easat-4937	384	18	p2p	p2p	NOUN
easat-4937	384	19	lending	lend	VERB
easat-4937	384	20	in	in	ADP
easat-4937	384	21	china	china	PROPN
easat-4937	384	22	based	base	VERB
easat-4937	384	23	on	on	ADP
easat-4937	384	24	the	the	DET
easat-4937	384	25	skew	skew	ADJ
easat-4937	384	26	-	-	PUNCT
easat-4937	384	27	normal	normal	ADJ
easat-4937	384	28	panel	panel	NOUN
easat-4937	384	29	data	datum	NOUN
easat-4937	384	30	model	model	NOUN
easat-4937	384	31	,	,	PUNCT
easat-4937	384	32	"	"	PUNCT
easat-4937	384	33	sage	sage	NOUN
easat-4937	384	34	open	open	ADJ
easat-4937	384	35	,	,	PUNCT
easat-4937	384	36	vol	vol	NOUN
easat-4937	384	37	.	.	PROPN
easat-4937	384	38	13	13	NUM
easat-4937	384	39	,	,	PUNCT
easat-4937	384	40	no	no	INTJ
easat-4937	384	41	.	.	NOUN
easat-4937	384	42	4	4	NUM
easat-4937	384	43	,	,	PUNCT
easat-4937	384	44	p.	p.	NOUN
easat-4937	384	45	21582440231201378	21582440231201378	NUM
easat-4937	384	46	,	,	PUNCT
easat-4937	384	47	2023	2023	NUM
easat-4937	384	48	.	.	PUNCT
easat-4937	385	1	https://doi.org/10.1177/21582440231201378	https://doi.org/10.1177/21582440231201378	PRON
easat-4937	386	1	[	[	X
easat-4937	386	2	27	27	NUM
easat-4937	386	3	]	]	X
easat-4937	386	4	c.	c.	PROPN
easat-4937	386	5	wang	wang	PROPN
easat-4937	386	6	,	,	PUNCT
easat-4937	386	7	j.	j.	PROPN
easat-4937	386	8	wang	wang	PROPN
easat-4937	386	9	,	,	PUNCT
easat-4937	386	10	c.	c.	PROPN
easat-4937	386	11	wu	wu	PROPN
easat-4937	386	12	,	,	PUNCT
easat-4937	386	13	and	and	CCONJ
easat-4937	386	14	y.	y.	PROPN
easat-4937	386	15	zhang	zhang	PROPN
easat-4937	386	16	,	,	PUNCT
easat-4937	386	17	"	"	PUNCT
easat-4937	386	18	voluntary	voluntary	ADJ
easat-4937	386	19	disclosure	disclosure	NOUN
easat-4937	386	20	in	in	ADP
easat-4937	386	21	p2p	p2p	NOUN
easat-4937	386	22	lending	lending	NOUN
easat-4937	386	23	:	:	PUNCT
easat-4937	386	24	information	information	NOUN
easat-4937	386	25	or	or	CCONJ
easat-4937	386	26	hyperbole	hyperbole	NOUN
easat-4937	386	27	?	?	PUNCT
easat-4937	386	28	,	,	PUNCT
easat-4937	386	29	"	"	PUNCT
easat-4937	386	30	pacificbasin	pacificbasin	PROPN
easat-4937	386	31	finance	finance	NOUN
easat-4937	386	32	journal	journal	NOUN
easat-4937	386	33	,	,	PUNCT
easat-4937	386	34	vol	vol	NOUN
easat-4937	386	35	.	.	PROPN
easat-4937	386	36	79	79	NUM
easat-4937	386	37	,	,	PUNCT
easat-4937	386	38	p.	p.	NOUN
easat-4937	386	39	102024	102024	NUM
easat-4937	386	40	,	,	PUNCT
easat-4937	386	41	2023	2023	NUM
easat-4937	386	42	.	.	PUNCT
easat-4937	387	1	https://doi.org/10.1016/j.pacfin.2023.102024	https://doi.org/10.1016/j.pacfin.2023.102024	NOUN
easat-4937	387	2	[	[	X
easat-4937	387	3	28	28	NUM
easat-4937	387	4	]	]	X
easat-4937	387	5	y.	y.	PROPN
easat-4937	387	6	xia	xia	PROPN
easat-4937	387	7	,	,	PUNCT
easat-4937	387	8	l.	l.	PROPN
easat-4937	387	9	he	he	PRON
easat-4937	387	10	,	,	PUNCT
easat-4937	387	11	y.	y.	PROPN
easat-4937	387	12	li	li	PROPN
easat-4937	387	13	,	,	PUNCT
easat-4937	387	14	n.	n.	PROPN
easat-4937	387	15	liu	liu	PROPN
easat-4937	387	16	,	,	PUNCT
easat-4937	387	17	and	and	CCONJ
easat-4937	387	18	y.	y.	PROPN
easat-4937	387	19	ding	ding	PROPN
easat-4937	387	20	,	,	PUNCT
easat-4937	387	21	"	"	PUNCT
easat-4937	387	22	predicting	predict	VERB
easat-4937	387	23	loan	loan	NOUN
easat-4937	387	24	default	default	NOUN
easat-4937	387	25	in	in	ADP
easat-4937	387	26	peer‐to‐peer	peer‐to‐peer	PROPN
easat-4937	387	27	lending	lending	NOUN
easat-4937	387	28	using	use	VERB
easat-4937	387	29	narrative	narrative	NOUN
easat-4937	387	30	data	datum	NOUN
easat-4937	387	31	,	,	PUNCT
easat-4937	387	32	"	"	PUNCT
easat-4937	387	33	journal	journal	NOUN
easat-4937	387	34	of	of	ADP
easat-4937	387	35	forecasting	forecasting	NOUN
easat-4937	387	36	,	,	PUNCT
easat-4937	387	37	vol	vol	NOUN
easat-4937	387	38	.	.	PROPN
easat-4937	387	39	39	39	NUM
easat-4937	387	40	,	,	PUNCT
easat-4937	387	41	no	no	INTJ
easat-4937	387	42	.	.	NOUN
easat-4937	387	43	2	2	NUM
easat-4937	387	44	,	,	PUNCT
easat-4937	387	45	pp	pp	ADJ
easat-4937	387	46	.	.	PUNCT
easat-4937	387	47	260	260	NUM
easat-4937	387	48	-	-	SYM
easat-4937	387	49	280	280	NUM
easat-4937	387	50	,	,	PUNCT
easat-4937	387	51	2020	2020	NUM
easat-4937	387	52	.	.	PUNCT
easat-4937	388	1	https://doi.org/10.1002/for.2625	https://doi.org/10.1002/for.2625	PROPN
easat-4937	389	1	[	[	X
easat-4937	389	2	29	29	NUM
easat-4937	389	3	]	]	PUNCT
easat-4937	389	4	r.	r.	PROPN
easat-4937	389	5	east	east	PROPN
easat-4937	389	6	,	,	PUNCT
easat-4937	389	7	"	"	PUNCT
easat-4937	389	8	investment	investment	NOUN
easat-4937	389	9	decisions	decision	NOUN
easat-4937	389	10	and	and	CCONJ
easat-4937	389	11	the	the	DET
easat-4937	389	12	theory	theory	NOUN
easat-4937	389	13	of	of	ADP
easat-4937	389	14	planned	planned	ADJ
easat-4937	389	15	behaviour	behaviour	NOUN
easat-4937	389	16	,	,	PUNCT
easat-4937	389	17	"	"	PUNCT
easat-4937	389	18	journal	journal	NOUN
easat-4937	389	19	of	of	ADP
easat-4937	389	20	economic	economic	ADJ
easat-4937	389	21	psychology	psychology	NOUN
easat-4937	389	22	,	,	PUNCT
easat-4937	389	23	vol	vol	NOUN
easat-4937	389	24	.	.	PROPN
easat-4937	389	25	14	14	NUM
easat-4937	389	26	,	,	PUNCT
easat-4937	389	27	no	no	INTJ
easat-4937	389	28	.	.	NOUN
easat-4937	389	29	2	2	NUM
easat-4937	389	30	,	,	PUNCT
easat-4937	389	31	pp	pp	ADJ
easat-4937	389	32	.	.	PUNCT
easat-4937	389	33	337	337	NUM
easat-4937	389	34	-	-	SYM
easat-4937	389	35	375	375	NUM
easat-4937	389	36	,	,	PUNCT
easat-4937	389	37	1993	1993	NUM
easat-4937	389	38	.	.	PUNCT
easat-4937	390	1	https://doi.org/10.1016/0167-4870(93)90006-7	https://doi.org/10.1016/0167-4870(93)90006-7	NOUN
easat-4937	390	2	[	[	X
easat-4937	390	3	30	30	NUM
easat-4937	390	4	]	]	X
easat-4937	390	5	i.	i.	NOUN
easat-4937	390	6	ajzen	ajzen	PROPN
easat-4937	390	7	,	,	PUNCT
easat-4937	390	8	"	"	PUNCT
easat-4937	390	9	the	the	DET
easat-4937	390	10	theory	theory	NOUN
easat-4937	390	11	of	of	ADP
easat-4937	390	12	planned	plan	VERB
easat-4937	390	13	behavior	behavior	NOUN
easat-4937	390	14	:	:	PUNCT
easat-4937	390	15	frequently	frequently	ADV
easat-4937	390	16	asked	ask	VERB
easat-4937	390	17	questions	question	NOUN
easat-4937	390	18	,	,	PUNCT
easat-4937	390	19	"	"	PUNCT
easat-4937	390	20	human	human	ADJ
easat-4937	390	21	behavior	behavior	NOUN
easat-4937	390	22	and	and	CCONJ
easat-4937	390	23	emerging	emerge	VERB
easat-4937	390	24	technologies	technology	NOUN
easat-4937	390	25	,	,	PUNCT
easat-4937	390	26	vol	vol	NOUN
easat-4937	390	27	.	.	PROPN
easat-4937	390	28	2	2	NUM
easat-4937	390	29	,	,	PUNCT
easat-4937	390	30	no	no	INTJ
easat-4937	390	31	.	.	NOUN
easat-4937	390	32	4	4	NUM
easat-4937	390	33	,	,	PUNCT
easat-4937	390	34	pp	pp	ADJ
easat-4937	390	35	.	.	PUNCT
easat-4937	391	1	314	314	NUM
easat-4937	391	2	-	-	SYM
easat-4937	391	3	324	324	NUM
easat-4937	391	4	,	,	PUNCT
easat-4937	391	5	2020	2020	NUM
easat-4937	391	6	.	.	PUNCT
easat-4937	392	1	https://doi.org/10.1002/hbe2.195	https://doi.org/10.1002/hbe2.195	NOUN
easat-4937	393	1	[	[	X
easat-4937	393	2	31	31	NUM
easat-4937	393	3	]	]	PUNCT
easat-4937	393	4	i.	i.	NOUN
easat-4937	393	5	ajzen	ajzen	PROPN
easat-4937	393	6	,	,	PUNCT
easat-4937	393	7	"	"	PUNCT
easat-4937	393	8	the	the	DET
easat-4937	393	9	theory	theory	NOUN
easat-4937	393	10	of	of	ADP
easat-4937	393	11	planned	plan	VERB
easat-4937	393	12	behavior	behavior	NOUN
easat-4937	393	13	,	,	PUNCT
easat-4937	393	14	"	"	PUNCT
easat-4937	393	15	organizational	organizational	ADJ
easat-4937	393	16	behavior	behavior	NOUN
easat-4937	393	17	and	and	CCONJ
easat-4937	393	18	human	human	ADJ
easat-4937	393	19	decision	decision	NOUN
easat-4937	393	20	processes	process	NOUN
easat-4937	393	21	,	,	PUNCT
easat-4937	393	22	1991	1991	NUM
easat-4937	393	23	.	.	PUNCT
easat-4937	394	1	[	[	X
easat-4937	394	2	32	32	NUM
easat-4937	394	3	]	]	PUNCT
easat-4937	394	4	r.	r.	PROPN
easat-4937	394	5	kumra	kumra	PROPN
easat-4937	394	6	,	,	PUNCT
easat-4937	394	7	s.	s.	PROPN
easat-4937	394	8	a.	a.	PROPN
easat-4937	394	9	khalek	khalek	PROPN
easat-4937	394	10	,	,	PUNCT
easat-4937	394	11	and	and	CCONJ
easat-4937	394	12	t.	t.	PROPN
easat-4937	394	13	samanta	samanta	PROPN
easat-4937	394	14	,	,	PUNCT
easat-4937	394	15	"	"	PUNCT
easat-4937	394	16	factors	factor	NOUN
easat-4937	394	17	affecting	affect	VERB
easat-4937	394	18	bop	bop	NOUN
easat-4937	394	19	producer	producer	NOUN
easat-4937	394	20	intention	intention	NOUN
easat-4937	394	21	to	to	PART
easat-4937	394	22	use	use	VERB
easat-4937	394	23	p2p	p2p	NOUN
easat-4937	394	24	lending	lending	NOUN
easat-4937	394	25	platforms	platform	NOUN
easat-4937	394	26	in	in	ADP
easat-4937	394	27	india	india	PROPN
easat-4937	394	28	,	,	PUNCT
easat-4937	394	29	"	"	PUNCT
easat-4937	394	30	journal	journal	NOUN
easat-4937	394	31	of	of	ADP
easat-4937	394	32	global	global	ADJ
easat-4937	394	33	marketing	marketing	NOUN
easat-4937	394	34	,	,	PUNCT
easat-4937	394	35	vol	vol	NOUN
easat-4937	394	36	.	.	PROPN
easat-4937	394	37	34	34	NUM
easat-4937	394	38	,	,	PUNCT
easat-4937	394	39	no	no	INTJ
easat-4937	394	40	.	.	NOUN
easat-4937	394	41	4	4	NUM
easat-4937	394	42	,	,	PUNCT
easat-4937	394	43	pp	pp	ADJ
easat-4937	394	44	.	.	PUNCT
easat-4937	395	1	328	328	NUM
easat-4937	395	2	-	-	SYM
easat-4937	395	3	352	352	NUM
easat-4937	395	4	,	,	PUNCT
easat-4937	395	5	2021	2021	NUM
easat-4937	395	6	.	.	PUNCT
easat-4937	396	1	https://doi.org/10.1080/08911762.2021.1915440	https://doi.org/10.1080/08911762.2021.1915440	PROPN
easat-4937	397	1	[	[	X
easat-4937	397	2	33	33	NUM
easat-4937	397	3	]	]	PUNCT
easat-4937	397	4	c.	c.	PROPN
easat-4937	397	5	j.	j.	PROPN
easat-4937	397	6	armitage	armitage	PROPN
easat-4937	397	7	and	and	CCONJ
easat-4937	397	8	m.	m.	PROPN
easat-4937	397	9	conner	conner	PROPN
easat-4937	397	10	,	,	PUNCT
easat-4937	397	11	"	"	PUNCT
easat-4937	397	12	efficacy	efficacy	NOUN
easat-4937	397	13	of	of	ADP
easat-4937	397	14	the	the	DET
easat-4937	397	15	theory	theory	NOUN
easat-4937	397	16	of	of	ADP
easat-4937	397	17	planned	planned	ADJ
easat-4937	397	18	behaviour	behaviour	NOUN
easat-4937	397	19	:	:	PUNCT
easat-4937	397	20	a	a	DET
easat-4937	397	21	meta‐analytic	meta‐analytic	ADJ
easat-4937	397	22	review	review	NOUN
easat-4937	397	23	,	,	PUNCT
easat-4937	397	24	"	"	PUNCT
easat-4937	397	25	british	british	ADJ
easat-4937	397	26	journal	journal	NOUN
easat-4937	397	27	of	of	ADP
easat-4937	397	28	social	social	ADJ
easat-4937	397	29	psychology	psychology	NOUN
easat-4937	397	30	,	,	PUNCT
easat-4937	397	31	vol	vol	NOUN
easat-4937	397	32	.	.	PROPN
easat-4937	397	33	40	40	NUM
easat-4937	397	34	,	,	PUNCT
easat-4937	397	35	no	no	INTJ
easat-4937	397	36	.	.	NOUN
easat-4937	397	37	4	4	NUM
easat-4937	397	38	,	,	PUNCT
easat-4937	397	39	pp	pp	ADJ
easat-4937	397	40	.	.	PUNCT
easat-4937	398	1	471	471	NUM
easat-4937	398	2	-	-	SYM
easat-4937	398	3	499	499	NUM
easat-4937	398	4	,	,	PUNCT
easat-4937	398	5	2001	2001	NUM
easat-4937	398	6	.	.	PUNCT
easat-4937	399	1	https://doi.org/10.1348/014466601164939	https://doi.org/10.1348/014466601164939	PROPN
easat-4937	400	1	[	[	X
easat-4937	400	2	34	34	NUM
easat-4937	400	3	]	]	X
easat-4937	400	4	i.	i.	NOUN
easat-4937	400	5	ajzen	ajzen	PROPN
easat-4937	400	6	and	and	CCONJ
easat-4937	400	7	m.	m.	NOUN
easat-4937	400	8	fishbein	fishbein	PROPN
easat-4937	400	9	,	,	PUNCT
easat-4937	400	10	"	"	PUNCT
easat-4937	400	11	attitudinal	attitudinal	ADJ
easat-4937	400	12	and	and	CCONJ
easat-4937	400	13	normative	normative	ADJ
easat-4937	400	14	variables	variable	NOUN
easat-4937	400	15	as	as	ADP
easat-4937	400	16	predictors	predictor	NOUN
easat-4937	400	17	of	of	ADP
easat-4937	400	18	specific	specific	ADJ
easat-4937	400	19	behavior	behavior	NOUN
easat-4937	400	20	,	,	PUNCT
easat-4937	400	21	"	"	PUNCT
easat-4937	400	22	journal	journal	NOUN
easat-4937	400	23	of	of	ADP
easat-4937	400	24	personality	personality	NOUN
easat-4937	400	25	and	and	CCONJ
easat-4937	400	26	social	social	ADJ
easat-4937	400	27	psychology	psychology	NOUN
easat-4937	400	28	,	,	PUNCT
easat-4937	400	29	vol	vol	NOUN
easat-4937	400	30	.	.	PROPN
easat-4937	400	31	27	27	NUM
easat-4937	400	32	,	,	PUNCT
easat-4937	400	33	no	no	INTJ
easat-4937	400	34	.	.	NOUN
easat-4937	400	35	1	1	NUM
easat-4937	400	36	,	,	PUNCT
easat-4937	400	37	p.	p.	NOUN
easat-4937	400	38	41	41	NUM
easat-4937	400	39	,	,	PUNCT
easat-4937	400	40	1973	1973	NUM
easat-4937	400	41	.	.	PUNCT
easat-4937	401	1	https://doi.org/10.1037/h0034440	https://doi.org/10.1037/h0034440	NUM
easat-4937	401	2	https://doi.org/10.1016/j.jcorpfin.2020.101805	https://doi.org/10.1016/j.jcorpfin.2020.101805	PROPN
easat-4937	401	3	https://doi.org/10.1111/poms.13913	https://doi.org/10.1111/poms.13913	X
easat-4937	401	4	https://doi.org/10.1108/intr-11-2019-0444	https://doi.org/10.1108/intr-11-2019-0444	ADJ
easat-4937	401	5	https://doi.org/10.1108/ijoem-07-2018-0379	https://doi.org/10.1108/ijoem-07-2018-0379	NOUN
easat-4937	401	6	https://doi.org/10.1108/ijoem-07-2018-0379	https://doi.org/10.1108/ijoem-07-2018-0379	NOUN
easat-4937	401	7	https://doi.org/10.1186/s40854-022-00338-5	https://doi.org/10.1186/s40854-022-00338-5	PROPN
easat-4937	401	8	https://doi.org/10.3390/su12083293	https://doi.org/10.3390/su12083293	PROPN
easat-4937	401	9	https://doi.org/10.12688/f1000research.73410.1	https://doi.org/10.12688/f1000research.73410.1	PROPN
easat-4937	401	10	https://www.transparencymarketresearch.com/pressrelease/peer-to-peer-lending-market.htm	https://www.transparencymarketresearch.com/pressrelease/peer-to-peer-lending-market.htm	X
easat-4937	401	11	https://www.transparencymarketresearch.com/pressrelease/peer-to-peer-lending-market.htm	https://www.transparencymarketresearch.com/pressrelease/peer-to-peer-lending-market.htm	X
easat-4937	401	12	https://doi.org/10.1111/manc.12330	https://doi.org/10.1111/manc.12330	PROPN
easat-4937	401	13	https://doi.org/10.1007/s11222-022-10140-z	https://doi.org/10.1007/s11222-022-10140-z	ADV
easat-4937	401	14	https://doi.org/10.22616/rrd.28.2022.029	https://doi.org/10.22616/rrd.28.2022.029	NOUN
easat-4937	401	15	https://doi.org/10.1007/s10660-021-09489-6	https://doi.org/10.1007/s10660-021-09489-6	ADV
easat-4937	401	16	https://doi.org/10.1108/mip-05-2023-0195	https://doi.org/10.1108/mip-05-2023-0195	NOUN
easat-4937	401	17	https://doi.org/10.1108/mf-07-2021-0329	https://doi.org/10.1108/mf-07-2021-0329	PROPN
easat-4937	401	18	https://doi.org/10.1177/21582440231201378	https://doi.org/10.1177/21582440231201378	X
easat-4937	401	19	https://doi.org/10.1016/j.pacfin.2023.102024	https://doi.org/10.1016/j.pacfin.2023.102024	ADJ
easat-4937	401	20	https://doi.org/10.1002/for.2625	https://doi.org/10.1002/for.2625	PROPN
easat-4937	401	21	https://doi.org/10.1016/0167-4870(93)90006-7	https://doi.org/10.1016/0167-4870(93)90006-7	NOUN
easat-4937	401	22	https://doi.org/10.1002/hbe2.195	https://doi.org/10.1002/hbe2.195	NOUN
easat-4937	401	23	https://doi.org/10.1080/08911762.2021.1915440	https://doi.org/10.1080/08911762.2021.1915440	PROPN
easat-4937	401	24	https://doi.org/10.1348/014466601164939	https://doi.org/10.1348/014466601164939	PROPN
easat-4937	401	25	https://doi.org/10.1037/h0034440	https://doi.org/10.1037/h0034440	PROPN
easat-4937	401	26	1850	1850	NUM
easat-4937	401	27	edelweiss	edelweiss	PROPN
easat-4937	401	28	applied	apply	VERB
easat-4937	401	29	science	science	NOUN
easat-4937	401	30	and	and	CCONJ
easat-4937	401	31	technology	technology	NOUN
easat-4937	401	32	issn	issn	PROPN
easat-4937	401	33	:	:	PUNCT
easat-4937	401	34	2576	2576	NUM
easat-4937	401	35	-	-	SYM
easat-4937	401	36	8484	8484	NUM
easat-4937	401	37	vol	vol	NOUN
easat-4937	401	38	.	.	PROPN
easat-4937	401	39	9	9	NUM
easat-4937	401	40	,	,	PUNCT
easat-4937	401	41	no	no	INTJ
easat-4937	401	42	.	.	NOUN
easat-4937	401	43	2	2	NUM
easat-4937	401	44	:	:	SYM
easat-4937	401	45	1839	1839	NUM
easat-4937	401	46	-	-	SYM
easat-4937	401	47	1851	1851	NUM
easat-4937	401	48	,	,	PUNCT
easat-4937	401	49	2025	2025	NUM
easat-4937	401	50	doi	doi	NOUN
easat-4937	401	51	:	:	PUNCT
easat-4937	401	52	10.55214/25768484.v9i2.4937	10.55214/25768484.v9i2.4937	NUM
easat-4937	401	53	©	©	PROPN
easat-4937	401	54	2025	2025	NUM
easat-4937	401	55	by	by	ADP
easat-4937	401	56	the	the	DET
easat-4937	401	57	authors	author	NOUN
easat-4937	401	58	;	;	PUNCT
easat-4937	401	59	licensee	licensee	PROPN
easat-4937	401	60	learning	learning	NOUN
easat-4937	401	61	gate	gate	NOUN
easat-4937	402	1	[	[	X
easat-4937	402	2	35	35	NUM
easat-4937	402	3	]	]	X
easat-4937	402	4	j.	j.	PROPN
easat-4937	402	5	boehmer	boehmer	PROPN
easat-4937	402	6	,	,	PUNCT
easat-4937	402	7	r.	r.	PROPN
easat-4937	402	8	larose	larose	PROPN
easat-4937	402	9	,	,	PUNCT
easat-4937	402	10	n.	n.	PROPN
easat-4937	402	11	rifon	rifon	PROPN
easat-4937	402	12	,	,	PUNCT
easat-4937	402	13	s.	s.	PROPN
easat-4937	402	14	alhabash	alhabash	PROPN
easat-4937	402	15	,	,	PUNCT
easat-4937	402	16	and	and	CCONJ
easat-4937	402	17	s.	s.	PROPN
easat-4937	402	18	cotten	cotten	PROPN
easat-4937	402	19	,	,	PUNCT
easat-4937	402	20	"	"	PUNCT
easat-4937	402	21	determinants	determinant	NOUN
easat-4937	402	22	of	of	ADP
easat-4937	402	23	online	online	ADJ
easat-4937	402	24	safety	safety	NOUN
easat-4937	402	25	behaviour	behaviour	NOUN
easat-4937	402	26	:	:	PUNCT
easat-4937	402	27	towards	towards	ADP
easat-4937	402	28	an	an	DET
easat-4937	402	29	intervention	intervention	NOUN
easat-4937	402	30	strategy	strategy	NOUN
easat-4937	402	31	for	for	ADP
easat-4937	402	32	college	college	NOUN
easat-4937	402	33	students	student	NOUN
easat-4937	402	34	,	,	PUNCT
easat-4937	402	35	"	"	PUNCT
easat-4937	402	36	behaviour	behaviour	NOUN
easat-4937	402	37	&	&	CCONJ
easat-4937	402	38	information	information	NOUN
easat-4937	402	39	technology	technology	PROPN
easat-4937	402	40	,	,	PUNCT
easat-4937	402	41	vol	vol	NOUN
easat-4937	402	42	.	.	PROPN
easat-4937	403	1	34	34	NUM
easat-4937	403	2	,	,	PUNCT
easat-4937	403	3	no	no	INTJ
easat-4937	403	4	.	.	NOUN
easat-4937	403	5	10	10	NUM
easat-4937	403	6	,	,	PUNCT
easat-4937	403	7	pp	pp	ADJ
easat-4937	403	8	.	.	PUNCT
easat-4937	404	1	1022	1022	NUM
easat-4937	404	2	-	-	SYM
easat-4937	404	3	1035	1035	NUM
easat-4937	404	4	,	,	PUNCT
easat-4937	404	5	2015	2015	NUM
easat-4937	404	6	.	.	PUNCT
easat-4937	405	1	https://doi.org/10.1080/0144929x.2015.1028448	https://doi.org/10.1080/0144929x.2015.1028448	X
easat-4937	406	1	[	[	X
easat-4937	406	2	36	36	NUM
easat-4937	406	3	]	]	X
easat-4937	406	4	m.	m.	NOUN
easat-4937	406	5	fishbein	fishbein	PROPN
easat-4937	406	6	,	,	PUNCT
easat-4937	406	7	"	"	PUNCT
easat-4937	406	8	an	an	DET
easat-4937	406	9	investigation	investigation	NOUN
easat-4937	406	10	of	of	ADP
easat-4937	406	11	the	the	DET
easat-4937	406	12	relationships	relationship	NOUN
easat-4937	406	13	between	between	ADP
easat-4937	406	14	beliefs	belief	NOUN
easat-4937	406	15	about	about	ADP
easat-4937	406	16	an	an	DET
easat-4937	406	17	object	object	NOUN
easat-4937	406	18	and	and	CCONJ
easat-4937	406	19	the	the	DET
easat-4937	406	20	attitude	attitude	NOUN
easat-4937	406	21	toward	toward	ADP
easat-4937	406	22	that	that	DET
easat-4937	406	23	object	object	NOUN
easat-4937	406	24	,	,	PUNCT
easat-4937	406	25	"	"	PUNCT
easat-4937	406	26	human	human	ADJ
easat-4937	406	27	relations	relation	NOUN
easat-4937	406	28	,	,	PUNCT
easat-4937	406	29	vol	vol	NOUN
easat-4937	406	30	.	.	PROPN
easat-4937	406	31	16	16	NUM
easat-4937	406	32	,	,	PUNCT
easat-4937	406	33	no	no	INTJ
easat-4937	406	34	.	.	NOUN
easat-4937	406	35	3	3	NUM
easat-4937	406	36	,	,	PUNCT
easat-4937	406	37	pp	pp	ADJ
easat-4937	406	38	.	.	PUNCT
easat-4937	406	39	233	233	NUM
easat-4937	406	40	-	-	SYM
easat-4937	406	41	239	239	NUM
easat-4937	406	42	,	,	PUNCT
easat-4937	406	43	1963	1963	NUM
easat-4937	406	44	.	.	PUNCT
easat-4937	406	45	https://doi.org/10.1177/001872676301600302	https://doi.org/10.1177/001872676301600302	PUNCT
easat-4937	407	1	[	[	X
easat-4937	407	2	37	37	NUM
easat-4937	407	3	]	]	X
easat-4937	407	4	g.	g.	PROPN
easat-4937	407	5	g.	g.	PROPN
easat-4937	407	6	lee	lee	PROPN
easat-4937	407	7	and	and	CCONJ
easat-4937	407	8	h.	h.	PROPN
easat-4937	407	9	f.	f.	PROPN
easat-4937	407	10	lin	lin	PROPN
easat-4937	407	11	,	,	PUNCT
easat-4937	407	12	"	"	PUNCT
easat-4937	407	13	customer	customer	NOUN
easat-4937	407	14	perceptions	perception	NOUN
easat-4937	407	15	of	of	ADP
easat-4937	407	16	e‐service	e‐service	PUNCT
easat-4937	407	17	quality	quality	NOUN
easat-4937	407	18	in	in	ADP
easat-4937	407	19	online	online	ADJ
easat-4937	407	20	shopping	shopping	NOUN
easat-4937	407	21	,	,	PUNCT
easat-4937	407	22	"	"	PUNCT
easat-4937	407	23	international	international	ADJ
easat-4937	407	24	journal	journal	NOUN
easat-4937	407	25	of	of	ADP
easat-4937	407	26	retail	retail	PROPN
easat-4937	407	27	&	&	CCONJ
easat-4937	407	28	distribution	distribution	NOUN
easat-4937	407	29	management	management	NOUN
easat-4937	407	30	,	,	PUNCT
easat-4937	407	31	vol	vol	NOUN
easat-4937	407	32	.	.	PROPN
easat-4937	408	1	33	33	NUM
easat-4937	408	2	,	,	PUNCT
easat-4937	408	3	no	no	INTJ
easat-4937	408	4	.	.	NOUN
easat-4937	408	5	2	2	NUM
easat-4937	408	6	,	,	PUNCT
easat-4937	408	7	pp	pp	ADJ
easat-4937	408	8	.	.	PUNCT
easat-4937	409	1	161	161	NUM
easat-4937	409	2	-	-	SYM
easat-4937	409	3	176	176	NUM
easat-4937	409	4	,	,	PUNCT
easat-4937	409	5	2005	2005	NUM
easat-4937	409	6	.	.	PUNCT
easat-4937	409	7	https://doi.org/10.1108/09590550510581485	https://doi.org/10.1108/09590550510581485	PUNCT
easat-4937	410	1	[	[	X
easat-4937	410	2	38	38	NUM
easat-4937	410	3	]	]	PUNCT
easat-4937	410	4	f.	f.	PROPN
easat-4937	410	5	d.	d.	PROPN
easat-4937	410	6	davis	davis	PROPN
easat-4937	410	7	,	,	PUNCT
easat-4937	410	8	"	"	PUNCT
easat-4937	410	9	user	user	NOUN
easat-4937	410	10	acceptance	acceptance	NOUN
easat-4937	410	11	of	of	ADP
easat-4937	410	12	information	information	NOUN
easat-4937	410	13	technology	technology	NOUN
easat-4937	410	14	:	:	PUNCT
easat-4937	410	15	system	system	NOUN
easat-4937	410	16	characteristics	characteristic	NOUN
easat-4937	410	17	,	,	PUNCT
easat-4937	410	18	user	user	NOUN
easat-4937	410	19	perceptions	perception	NOUN
easat-4937	410	20	and	and	CCONJ
easat-4937	410	21	behavioral	behavioral	ADJ
easat-4937	410	22	impacts	impact	NOUN
easat-4937	410	23	,	,	PUNCT
easat-4937	410	24	"	"	PUNCT
easat-4937	410	25	international	international	ADJ
easat-4937	410	26	journal	journal	NOUN
easat-4937	410	27	of	of	ADP
easat-4937	410	28	man	man	NOUN
easat-4937	410	29	-	-	PUNCT
easat-4937	410	30	machine	machine	NOUN
easat-4937	410	31	studies	study	NOUN
easat-4937	410	32	,	,	PUNCT
easat-4937	410	33	vol	vol	NOUN
easat-4937	410	34	.	.	PROPN
easat-4937	411	1	38	38	NUM
easat-4937	411	2	,	,	PUNCT
easat-4937	411	3	no	no	INTJ
easat-4937	411	4	.	.	NOUN
easat-4937	411	5	3	3	NUM
easat-4937	411	6	,	,	PUNCT
easat-4937	411	7	pp	pp	ADJ
easat-4937	411	8	.	.	PUNCT
easat-4937	412	1	475	475	NUM
easat-4937	412	2	-	-	SYM
easat-4937	412	3	487	487	NUM
easat-4937	412	4	,	,	PUNCT
easat-4937	412	5	1993	1993	NUM
easat-4937	412	6	.	.	PUNCT
easat-4937	413	1	https://doi.org/10.1006/imms.1993.1022	https://doi.org/10.1006/imms.1993.1022	PROPN
easat-4937	414	1	[	[	X
easat-4937	414	2	39	39	NUM
easat-4937	414	3	]	]	PUNCT
easat-4937	414	4	a.	a.	NOUN
easat-4937	414	5	j.	j.	PROPN
easat-4937	414	6	hester	hester	PROPN
easat-4937	414	7	,	,	PUNCT
easat-4937	414	8	h.	h.	PROPN
easat-4937	414	9	m.	m.	PROPN
easat-4937	414	10	hutchins	hutchins	PROPN
easat-4937	414	11	,	,	PUNCT
easat-4937	414	12	and	and	CCONJ
easat-4937	414	13	l.	l.	PROPN
easat-4937	414	14	a.	a.	PROPN
easat-4937	414	15	burke‐smalley	burke‐smalley	PROPN
easat-4937	414	16	,	,	PUNCT
easat-4937	414	17	"	"	PUNCT
easat-4937	414	18	web	web	NOUN
easat-4937	414	19	2.0	2.0	NUM
easat-4937	414	20	and	and	CCONJ
easat-4937	414	21	transfer	transfer	NOUN
easat-4937	414	22	:	:	PUNCT
easat-4937	414	23	trainers	trainer	NOUN
easat-4937	414	24	'	'	PART
easat-4937	414	25	use	use	NOUN
easat-4937	414	26	of	of	ADP
easat-4937	414	27	technology	technology	NOUN
easat-4937	414	28	to	to	PART
easat-4937	414	29	support	support	VERB
easat-4937	414	30	employees	employee	NOUN
easat-4937	414	31	'	'	PART
easat-4937	414	32	learning	learn	VERB
easat-4937	414	33	transfer	transfer	NOUN
easat-4937	414	34	on	on	ADP
easat-4937	414	35	the	the	DET
easat-4937	414	36	job	job	NOUN
easat-4937	414	37	,	,	PUNCT
easat-4937	414	38	"	"	PUNCT
easat-4937	414	39	performance	performance	NOUN
easat-4937	414	40	improvement	improvement	NOUN
easat-4937	414	41	quarterly	quarterly	ADJ
easat-4937	414	42	,	,	PUNCT
easat-4937	414	43	vol	vol	NOUN
easat-4937	414	44	.	.	PROPN
easat-4937	414	45	29	29	NUM
easat-4937	414	46	,	,	PUNCT
easat-4937	414	47	no	no	INTJ
easat-4937	414	48	.	.	NOUN
easat-4937	414	49	3	3	NUM
easat-4937	414	50	,	,	PUNCT
easat-4937	414	51	pp	pp	ADJ
easat-4937	414	52	.	.	PUNCT
easat-4937	415	1	231	231	NUM
easat-4937	415	2	-	-	SYM
easat-4937	415	3	255	255	NUM
easat-4937	415	4	,	,	PUNCT
easat-4937	415	5	2016	2016	NUM
easat-4937	415	6	.	.	PUNCT
easat-4937	416	1	https://doi.org/10.1002/piq.21225	https://doi.org/10.1002/piq.21225	PUNCT
easat-4937	417	1	[	[	X
easat-4937	417	2	40	40	NUM
easat-4937	417	3	]	]	PUNCT
easat-4937	417	4	a.	a.	NOUN
easat-4937	417	5	musa	musa	PROPN
easat-4937	417	6	,	,	PUNCT
easat-4937	417	7	h.	h.	PROPN
easat-4937	417	8	u.	u.	PROPN
easat-4937	417	9	khan	khan	PROPN
easat-4937	417	10	,	,	PUNCT
easat-4937	417	11	and	and	CCONJ
easat-4937	417	12	k.	k.	PROPN
easat-4937	417	13	a.	a.	PROPN
easat-4937	417	14	alshare	alshare	PROPN
easat-4937	417	15	,	,	PUNCT
easat-4937	417	16	"	"	PUNCT
easat-4937	417	17	factors	factor	NOUN
easat-4937	417	18	influence	influence	VERB
easat-4937	417	19	consumers	consumer	NOUN
easat-4937	417	20	'	'	PART
easat-4937	417	21	adoption	adoption	NOUN
easat-4937	417	22	of	of	ADP
easat-4937	417	23	mobile	mobile	ADJ
easat-4937	417	24	payment	payment	NOUN
easat-4937	417	25	devices	device	NOUN
easat-4937	417	26	in	in	ADP
easat-4937	417	27	qatar	qatar	NOUN
easat-4937	417	28	,	,	PUNCT
easat-4937	417	29	"	"	PUNCT
easat-4937	417	30	international	international	ADJ
easat-4937	417	31	journal	journal	NOUN
easat-4937	417	32	of	of	ADP
easat-4937	417	33	mobile	mobile	ADJ
easat-4937	417	34	communications	communication	NOUN
easat-4937	417	35	,	,	PUNCT
easat-4937	417	36	vol	vol	NOUN
easat-4937	417	37	.	.	PROPN
easat-4937	417	38	13	13	NUM
easat-4937	417	39	,	,	PUNCT
easat-4937	417	40	no	no	INTJ
easat-4937	417	41	.	.	NOUN
easat-4937	417	42	6	6	NUM
easat-4937	417	43	,	,	PUNCT
easat-4937	417	44	pp	pp	ADJ
easat-4937	417	45	.	.	PUNCT
easat-4937	418	1	670	670	NUM
easat-4937	418	2	-	-	SYM
easat-4937	418	3	689	689	NUM
easat-4937	418	4	,	,	PUNCT
easat-4937	418	5	2015	2015	NUM
easat-4937	418	6	.	.	PUNCT
easat-4937	419	1	[	[	X
easat-4937	419	2	41	41	NUM
easat-4937	419	3	]	]	X
easat-4937	419	4	w.	w.	PROPN
easat-4937	419	5	m.	m.	PROPN
easat-4937	419	6	lim	lim	PROPN
easat-4937	419	7	and	and	CCONJ
easat-4937	419	8	m.	m.	NOUN
easat-4937	419	9	a.	a.	NOUN
easat-4937	419	10	weissmann	weissmann	PROPN
easat-4937	419	11	,	,	PUNCT
easat-4937	419	12	"	"	PUNCT
easat-4937	419	13	toward	toward	ADP
easat-4937	419	14	a	a	DET
easat-4937	419	15	theory	theory	NOUN
easat-4937	419	16	of	of	ADP
easat-4937	419	17	behavioral	behavioral	ADJ
easat-4937	419	18	control	control	NOUN
easat-4937	419	19	,	,	PUNCT
easat-4937	419	20	"	"	PUNCT
easat-4937	419	21	journal	journal	NOUN
easat-4937	419	22	of	of	ADP
easat-4937	419	23	strategic	strategic	ADJ
easat-4937	419	24	marketing	marketing	NOUN
easat-4937	419	25	,	,	PUNCT
easat-4937	419	26	vol	vol	NOUN
easat-4937	419	27	.	.	PROPN
easat-4937	419	28	31	31	NUM
easat-4937	419	29	,	,	PUNCT
easat-4937	419	30	no	no	INTJ
easat-4937	419	31	.	.	NOUN
easat-4937	419	32	1	1	NUM
easat-4937	419	33	,	,	PUNCT
easat-4937	419	34	pp	pp	ADJ
easat-4937	419	35	.	.	PUNCT
easat-4937	420	1	185	185	NUM
easat-4937	420	2	-	-	SYM
easat-4937	420	3	211	211	NUM
easat-4937	420	4	,	,	PUNCT
easat-4937	420	5	2023	2023	NUM
easat-4937	420	6	.	.	PUNCT
easat-4937	421	1	https://doi.org/10.1080/0965254x.2021.1890190	https://doi.org/10.1080/0965254x.2021.1890190	VERB
easat-4937	421	2	[	[	X
easat-4937	421	3	42	42	NUM
easat-4937	421	4	]	]	PUNCT
easat-4937	421	5	a.	a.	NOUN
easat-4937	421	6	abid	abid	PROPN
easat-4937	421	7	and	and	CCONJ
easat-4937	421	8	s.	s.	PROPN
easat-4937	421	9	jie	jie	PROPN
easat-4937	421	10	,	,	PUNCT
easat-4937	421	11	"	"	PUNCT
easat-4937	421	12	understanding	understand	VERB
easat-4937	421	13	farmers	farmer	NOUN
easat-4937	421	14	’	’	PART
easat-4937	421	15	decision	decision	NOUN
easat-4937	421	16	-	-	PUNCT
easat-4937	421	17	making	making	NOUN
easat-4937	421	18	to	to	PART
easat-4937	421	19	use	use	VERB
easat-4937	421	20	islamic	islamic	ADJ
easat-4937	421	21	finance	finance	NOUN
easat-4937	421	22	through	through	ADP
easat-4937	421	23	the	the	DET
easat-4937	421	24	lens	lens	NOUN
easat-4937	421	25	of	of	ADP
easat-4937	421	26	theory	theory	NOUN
easat-4937	421	27	of	of	ADP
easat-4937	421	28	planned	plan	VERB
easat-4937	421	29	behavior	behavior	NOUN
easat-4937	421	30	,	,	PUNCT
easat-4937	421	31	"	"	PUNCT
easat-4937	421	32	journal	journal	NOUN
easat-4937	421	33	of	of	ADP
easat-4937	421	34	islamic	islamic	PROPN
easat-4937	421	35	marketing	marketing	NOUN
easat-4937	421	36	,	,	PUNCT
easat-4937	421	37	vol	vol	NOUN
easat-4937	421	38	.	.	PROPN
easat-4937	422	1	14	14	NUM
easat-4937	422	2	,	,	PUNCT
easat-4937	422	3	no	no	INTJ
easat-4937	422	4	.	.	NOUN
easat-4937	422	5	4	4	NUM
easat-4937	422	6	,	,	PUNCT
easat-4937	422	7	pp	pp	ADJ
easat-4937	422	8	.	.	PUNCT
easat-4937	423	1	1084	1084	NUM
easat-4937	423	2	-	-	SYM
easat-4937	423	3	1106	1106	NUM
easat-4937	423	4	,	,	PUNCT
easat-4937	423	5	2023	2023	NUM
easat-4937	423	6	.	.	PUNCT
easat-4937	424	1	https://doi.org/10.1108/jima10-2020-0324	https://doi.org/10.1108/jima10-2020-0324	PROPN
easat-4937	425	1	[	[	X
easat-4937	425	2	43	43	NUM
easat-4937	425	3	]	]	X
easat-4937	425	4	f.	f.	PROPN
easat-4937	425	5	akhtar	akhtar	PROPN
easat-4937	425	6	and	and	CCONJ
easat-4937	425	7	n.	n.	PROPN
easat-4937	425	8	das	das	PROPN
easat-4937	425	9	,	,	PUNCT
easat-4937	425	10	"	"	PUNCT
easat-4937	425	11	predictors	predictor	NOUN
easat-4937	425	12	of	of	ADP
easat-4937	425	13	investment	investment	NOUN
easat-4937	425	14	intention	intention	NOUN
easat-4937	425	15	in	in	ADP
easat-4937	425	16	indian	indian	ADJ
easat-4937	425	17	stock	stock	NOUN
easat-4937	425	18	markets	market	NOUN
easat-4937	425	19	:	:	PUNCT
easat-4937	425	20	extending	extend	VERB
easat-4937	425	21	the	the	DET
easat-4937	425	22	theory	theory	NOUN
easat-4937	425	23	of	of	ADP
easat-4937	425	24	planned	planned	ADJ
easat-4937	425	25	behaviour	behaviour	NOUN
easat-4937	425	26	,	,	PUNCT
easat-4937	425	27	"	"	PUNCT
easat-4937	425	28	international	international	ADJ
easat-4937	425	29	journal	journal	NOUN
easat-4937	425	30	of	of	ADP
easat-4937	425	31	bank	bank	PROPN
easat-4937	425	32	marketing	marketing	NOUN
easat-4937	425	33	,	,	PUNCT
easat-4937	425	34	vol	vol	NOUN
easat-4937	425	35	.	.	PROPN
easat-4937	425	36	37	37	NUM
easat-4937	425	37	,	,	PUNCT
easat-4937	425	38	no	no	INTJ
easat-4937	425	39	.	.	NOUN
easat-4937	425	40	1	1	NUM
easat-4937	425	41	,	,	PUNCT
easat-4937	425	42	pp	pp	ADJ
easat-4937	425	43	.	.	PUNCT
easat-4937	426	1	97	97	NUM
easat-4937	426	2	-	-	SYM
easat-4937	426	3	119	119	NUM
easat-4937	426	4	,	,	PUNCT
easat-4937	426	5	2019	2019	NUM
easat-4937	426	6	.	.	PUNCT
easat-4937	427	1	https://doi.org/10.1108/ijbm08-2017-0167	https://doi.org/10.1108/ijbm08-2017-0167	PROPN
easat-4937	428	1	[	[	X
easat-4937	428	2	44	44	NUM
easat-4937	428	3	]	]	PUNCT
easat-4937	428	4	m.	m.	NOUN
easat-4937	428	5	adil	adil	PROPN
easat-4937	428	6	,	,	PUNCT
easat-4937	428	7	y.	y.	PROPN
easat-4937	428	8	singh	singh	PROPN
easat-4937	428	9	,	,	PUNCT
easat-4937	428	10	and	and	CCONJ
easat-4937	428	11	m.	m.	PROPN
easat-4937	428	12	s.	s.	PROPN
easat-4937	428	13	ansari	ansari	PROPN
easat-4937	428	14	,	,	PUNCT
easat-4937	428	15	"	"	PUNCT
easat-4937	428	16	does	do	AUX
easat-4937	428	17	financial	financial	ADJ
easat-4937	428	18	literacy	literacy	NOUN
easat-4937	428	19	affect	affect	VERB
easat-4937	428	20	investor	investor	NOUN
easat-4937	428	21	's	's	PART
easat-4937	428	22	planned	plan	VERB
easat-4937	428	23	behavior	behavior	NOUN
easat-4937	428	24	as	as	ADP
easat-4937	428	25	a	a	DET
easat-4937	428	26	moderator	moderator	NOUN
easat-4937	428	27	?	?	PUNCT
easat-4937	428	28	,	,	PUNCT
easat-4937	428	29	"	"	PUNCT
easat-4937	428	30	managerial	managerial	ADJ
easat-4937	428	31	finance	finance	NOUN
easat-4937	428	32	,	,	PUNCT
easat-4937	428	33	vol	vol	NOUN
easat-4937	428	34	.	.	PROPN
easat-4937	428	35	48	48	NUM
easat-4937	428	36	,	,	PUNCT
easat-4937	428	37	no	no	INTJ
easat-4937	428	38	.	.	NOUN
easat-4937	428	39	9/10	9/10	NUM
easat-4937	428	40	,	,	PUNCT
easat-4937	428	41	pp	pp	ADJ
easat-4937	428	42	.	.	PUNCT
easat-4937	429	1	1372	1372	NUM
easat-4937	429	2	-	-	SYM
easat-4937	429	3	1390	1390	NUM
easat-4937	429	4	,	,	PUNCT
easat-4937	429	5	2022	2022	NUM
easat-4937	429	6	.	.	PUNCT
easat-4937	430	1	https://doi.org/10.1108/mf-03-2021-0130	https://doi.org/10.1108/mf-03-2021-0130	X
easat-4937	431	1	[	[	X
easat-4937	431	2	45	45	NUM
easat-4937	431	3	]	]	PUNCT
easat-4937	431	4	s.	s.	PROPN
easat-4937	431	5	gavrilets	gavrilets	PROPN
easat-4937	431	6	,	,	PUNCT
easat-4937	431	7	"	"	PUNCT
easat-4937	431	8	the	the	DET
easat-4937	431	9	dynamics	dynamic	NOUN
easat-4937	431	10	of	of	ADP
easat-4937	431	11	injunctive	injunctive	ADJ
easat-4937	431	12	social	social	ADJ
easat-4937	431	13	norms	norm	NOUN
easat-4937	431	14	,	,	PUNCT
easat-4937	431	15	"	"	PUNCT
easat-4937	431	16	evolutionary	evolutionary	ADJ
easat-4937	431	17	human	human	ADJ
easat-4937	431	18	sciences	sciences	PROPN
easat-4937	431	19	,	,	PUNCT
easat-4937	431	20	vol	vol	NOUN
easat-4937	431	21	.	.	PROPN
easat-4937	431	22	2	2	NUM
easat-4937	431	23	,	,	PUNCT
easat-4937	431	24	p.	p.	NOUN
easat-4937	431	25	e60	e60	PROPN
easat-4937	431	26	,	,	PUNCT
easat-4937	431	27	2020	2020	NUM
easat-4937	431	28	.	.	PUNCT
easat-4937	432	1	https://doi.org/10.1017/ehs.2020.58	https://doi.org/10.1017/ehs.2020.58	NOUN
easat-4937	433	1	[	[	X
easat-4937	433	2	46	46	NUM
easat-4937	433	3	]	]	PUNCT
easat-4937	433	4	k.	k.	PROPN
easat-4937	433	5	m.	m.	PROPN
easat-4937	433	6	white	white	PROPN
easat-4937	433	7	,	,	PUNCT
easat-4937	433	8	j.	j.	PROPN
easat-4937	433	9	r.	r.	PROPN
easat-4937	433	10	smith	smith	PROPN
easat-4937	433	11	,	,	PUNCT
easat-4937	433	12	d.	d.	PROPN
easat-4937	433	13	j.	j.	PROPN
easat-4937	433	14	terry	terry	PROPN
easat-4937	433	15	,	,	PUNCT
easat-4937	433	16	j.	j.	PROPN
easat-4937	433	17	h.	h.	PROPN
easat-4937	433	18	greenslade	greenslade	PROPN
easat-4937	433	19	,	,	PUNCT
easat-4937	433	20	and	and	CCONJ
easat-4937	433	21	b.	b.	PROPN
easat-4937	433	22	m.	m.	PROPN
easat-4937	433	23	mckimmie	mckimmie	PROPN
easat-4937	433	24	,	,	PUNCT
easat-4937	433	25	"	"	PUNCT
easat-4937	433	26	social	social	ADJ
easat-4937	433	27	influence	influence	NOUN
easat-4937	433	28	in	in	ADP
easat-4937	433	29	the	the	DET
easat-4937	433	30	theory	theory	NOUN
easat-4937	433	31	of	of	ADP
easat-4937	433	32	planned	planned	ADJ
easat-4937	433	33	behaviour	behaviour	NOUN
easat-4937	433	34	:	:	PUNCT
easat-4937	433	35	the	the	DET
easat-4937	433	36	role	role	NOUN
easat-4937	433	37	of	of	ADP
easat-4937	433	38	descriptive	descriptive	ADJ
easat-4937	433	39	,	,	PUNCT
easat-4937	433	40	injunctive	injunctive	ADJ
easat-4937	433	41	,	,	PUNCT
easat-4937	433	42	and	and	CCONJ
easat-4937	433	43	in‐group	in‐group	NOUN
easat-4937	433	44	norms	norm	NOUN
easat-4937	433	45	,	,	PUNCT
easat-4937	433	46	"	"	PUNCT
easat-4937	433	47	british	british	ADJ
easat-4937	433	48	journal	journal	NOUN
easat-4937	433	49	of	of	ADP
easat-4937	433	50	social	social	ADJ
easat-4937	433	51	psychology	psychology	NOUN
easat-4937	433	52	,	,	PUNCT
easat-4937	433	53	vol	vol	NOUN
easat-4937	433	54	.	.	PROPN
easat-4937	433	55	48	48	NUM
easat-4937	433	56	,	,	PUNCT
easat-4937	433	57	no	no	INTJ
easat-4937	433	58	.	.	NOUN
easat-4937	433	59	1	1	NUM
easat-4937	433	60	,	,	PUNCT
easat-4937	433	61	pp	pp	ADJ
easat-4937	433	62	.	.	PUNCT
easat-4937	434	1	135	135	NUM
easat-4937	434	2	-	-	SYM
easat-4937	434	3	158	158	NUM
easat-4937	434	4	,	,	PUNCT
easat-4937	434	5	2009	2009	NUM
easat-4937	434	6	.	.	PUNCT
easat-4937	435	1	https://doi.org/10.1348/014466608x295207	https://doi.org/10.1348/014466608x295207	X
easat-4937	436	1	[	[	X
easat-4937	436	2	47	47	NUM
easat-4937	436	3	]	]	PUNCT
easat-4937	436	4	m.	m.	NOUN
easat-4937	436	5	tang	tang	PROPN
easat-4937	436	6	,	,	PUNCT
easat-4937	436	7	m.	m.	PROPN
easat-4937	436	8	mei	mei	PROPN
easat-4937	436	9	,	,	PUNCT
easat-4937	436	10	c.	c.	PROPN
easat-4937	436	11	li	li	PROPN
easat-4937	436	12	,	,	PUNCT
easat-4937	436	13	x.	x.	PROPN
easat-4937	436	14	lv	lv	PROPN
easat-4937	436	15	,	,	PUNCT
easat-4937	436	16	x.	x.	PROPN
easat-4937	436	17	li	li	PROPN
easat-4937	436	18	,	,	PUNCT
easat-4937	436	19	and	and	CCONJ
easat-4937	436	20	l.	l.	PROPN
easat-4937	436	21	wang	wang	PROPN
easat-4937	436	22	,	,	PUNCT
easat-4937	436	23	"	"	PUNCT
easat-4937	436	24	how	how	SCONJ
easat-4937	436	25	does	do	VERB
easat-4937	436	26	an	an	DET
easat-4937	436	27	individual	individual	NOUN
easat-4937	436	28	’s	’s	PART
easat-4937	436	29	default	default	NOUN
easat-4937	436	30	behavior	behavior	NOUN
easat-4937	436	31	on	on	ADP
easat-4937	436	32	an	an	DET
easat-4937	436	33	online	online	ADJ
easat-4937	436	34	peer	peer	NOUN
easat-4937	436	35	-	-	PUNCT
easat-4937	436	36	topeer	topeer	NOUN
easat-4937	436	37	lending	lending	NOUN
easat-4937	436	38	platform	platform	NOUN
easat-4937	436	39	influence	influence	NOUN
easat-4937	436	40	an	an	DET
easat-4937	436	41	observer	observer	NOUN
easat-4937	436	42	’s	’s	PART
easat-4937	436	43	default	default	NOUN
easat-4937	436	44	intention	intention	NOUN
easat-4937	436	45	?	?	PUNCT
easat-4937	436	46	,	,	PUNCT
easat-4937	436	47	"	"	PUNCT
easat-4937	436	48	financial	financial	ADJ
easat-4937	436	49	innovation	innovation	NOUN
easat-4937	436	50	,	,	PUNCT
easat-4937	436	51	vol	vol	NOUN
easat-4937	436	52	.	.	PROPN
easat-4937	436	53	6	6	NUM
easat-4937	436	54	,	,	PUNCT
easat-4937	436	55	pp	pp	ADJ
easat-4937	436	56	.	.	PUNCT
easat-4937	437	1	1	1	NUM
easat-4937	437	2	-	-	SYM
easat-4937	437	3	20	20	NUM
easat-4937	437	4	,	,	PUNCT
easat-4937	437	5	2020	2020	NUM
easat-4937	437	6	.	.	PUNCT
easat-4937	438	1	https://doi.org/10.1186/s40854-020-00197-y	https://doi.org/10.1186/s40854-020-00197-y	PROPN
easat-4937	439	1	[	[	X
easat-4937	439	2	48	48	NUM
easat-4937	439	3	]	]	X
easat-4937	439	4	h.	h.	PROPN
easat-4937	439	5	thanki	thanki	PROPN
easat-4937	439	6	,	,	PUNCT
easat-4937	439	7	s.	s.	PROPN
easat-4937	439	8	shah	shah	PROPN
easat-4937	439	9	,	,	PUNCT
easat-4937	439	10	h.	h.	PROPN
easat-4937	439	11	s.	s.	PROPN
easat-4937	439	12	rathod	rathod	PROPN
easat-4937	439	13	,	,	PUNCT
easat-4937	439	14	a.	a.	PROPN
easat-4937	439	15	d.	d.	PROPN
easat-4937	439	16	oza	oza	PROPN
easat-4937	439	17	,	,	PUNCT
easat-4937	439	18	and	and	CCONJ
easat-4937	439	19	d.	d.	PROPN
easat-4937	439	20	d.	d.	PROPN
easat-4937	439	21	burduhos	burduhos	PROPN
easat-4937	439	22	-	-	PUNCT
easat-4937	439	23	nergis	nergis	PROPN
easat-4937	439	24	,	,	PUNCT
easat-4937	439	25	"	"	PUNCT
easat-4937	439	26	i	i	PRON
easat-4937	439	27	am	be	AUX
easat-4937	439	28	ready	ready	ADJ
easat-4937	439	29	to	to	PART
easat-4937	439	30	invest	invest	VERB
easat-4937	439	31	in	in	ADP
easat-4937	439	32	socially	socially	ADV
easat-4937	439	33	responsible	responsible	ADJ
easat-4937	439	34	investments	investment	NOUN
easat-4937	439	35	(	(	PUNCT
easat-4937	439	36	sri	sri	NOUN
easat-4937	439	37	)	)	PUNCT
easat-4937	439	38	options	option	NOUN
easat-4937	439	39	only	only	ADV
easat-4937	439	40	if	if	SCONJ
easat-4937	439	41	the	the	DET
easat-4937	439	42	returns	return	NOUN
easat-4937	439	43	are	be	AUX
easat-4937	439	44	not	not	PART
easat-4937	439	45	compromised	compromise	VERB
easat-4937	439	46	:	:	PUNCT
easat-4937	439	47	individual	individual	ADJ
easat-4937	439	48	investors	investor	NOUN
easat-4937	439	49	’	’	PART
easat-4937	439	50	intentions	intention	NOUN
easat-4937	439	51	toward	toward	ADP
easat-4937	439	52	sri	sri	NOUN
easat-4937	439	53	,	,	PUNCT
easat-4937	439	54	"	"	PUNCT
easat-4937	439	55	sustainability	sustainability	NOUN
easat-4937	439	56	,	,	PUNCT
easat-4937	439	57	vol	vol	NOUN
easat-4937	439	58	.	.	PROPN
easat-4937	440	1	14	14	NUM
easat-4937	440	2	,	,	PUNCT
easat-4937	440	3	no	no	INTJ
easat-4937	440	4	.	.	NOUN
easat-4937	440	5	18	18	NUM
easat-4937	440	6	,	,	PUNCT
easat-4937	440	7	p.	p.	NOUN
easat-4937	440	8	11377	11377	NUM
easat-4937	440	9	,	,	PUNCT
easat-4937	440	10	2022	2022	NUM
easat-4937	440	11	.	.	PUNCT
easat-4937	441	1	https://doi.org/10.3390/su141811377	https://doi.org/10.3390/su141811377	ADP
easat-4937	442	1	[	[	X
easat-4937	442	2	49	49	NUM
easat-4937	442	3	]	]	PUNCT
easat-4937	442	4	a.	a.	PROPN
easat-4937	442	5	e.	e.	PROPN
easat-4937	442	6	e.	e.	PROPN
easat-4937	442	7	sobaih	sobaih	PROPN
easat-4937	442	8	and	and	CCONJ
easat-4937	442	9	i.	i.	PROPN
easat-4937	442	10	a.	a.	PROPN
easat-4937	442	11	elshaer	elshaer	PROPN
easat-4937	442	12	,	,	PUNCT
easat-4937	442	13	"	"	PUNCT
easat-4937	442	14	risk	risk	NOUN
easat-4937	442	15	-	-	PUNCT
easat-4937	442	16	taking	taking	NOUN
easat-4937	442	17	,	,	PUNCT
easat-4937	442	18	financial	financial	ADJ
easat-4937	442	19	knowledge	knowledge	NOUN
easat-4937	442	20	,	,	PUNCT
easat-4937	442	21	and	and	CCONJ
easat-4937	442	22	risky	risky	ADJ
easat-4937	442	23	investment	investment	NOUN
easat-4937	442	24	intention	intention	NOUN
easat-4937	442	25	:	:	PUNCT
easat-4937	442	26	expanding	expand	VERB
easat-4937	442	27	theory	theory	NOUN
easat-4937	442	28	of	of	ADP
easat-4937	442	29	planned	plan	VERB
easat-4937	442	30	behavior	behavior	NOUN
easat-4937	442	31	using	use	VERB
easat-4937	442	32	a	a	DET
easat-4937	442	33	moderating	moderate	VERB
easat-4937	442	34	-	-	PUNCT
easat-4937	442	35	mediating	mediate	VERB
easat-4937	442	36	model	model	NOUN
easat-4937	442	37	,	,	PUNCT
easat-4937	442	38	"	"	PUNCT
easat-4937	442	39	mathematics	mathematic	NOUN
easat-4937	442	40	,	,	PUNCT
easat-4937	442	41	vol	vol	NOUN
easat-4937	442	42	.	.	PROPN
easat-4937	443	1	11	11	NUM
easat-4937	443	2	,	,	PUNCT
easat-4937	443	3	no	no	INTJ
easat-4937	443	4	.	.	NOUN
easat-4937	443	5	2	2	NUM
easat-4937	443	6	,	,	PUNCT
easat-4937	443	7	p.	p.	NOUN
easat-4937	443	8	453	453	NUM
easat-4937	443	9	,	,	PUNCT
easat-4937	443	10	2023	2023	NUM
easat-4937	443	11	.	.	PUNCT
easat-4937	444	1	https://doi.org/10.3390/math11020453	https://doi.org/10.3390/math11020453	NOUN
easat-4937	444	2	[	[	X
easat-4937	444	3	50	50	NUM
easat-4937	444	4	]	]	PUNCT
easat-4937	444	5	k.	k.	PROPN
easat-4937	444	6	y.	y.	PROPN
easat-4937	444	7	koay	koay	PROPN
easat-4937	444	8	,	,	PUNCT
easat-4937	444	9	c.	c.	PROPN
easat-4937	444	10	w.	w.	PROPN
easat-4937	444	11	teoh	teoh	PROPN
easat-4937	444	12	,	,	PUNCT
easat-4937	444	13	and	and	CCONJ
easat-4937	444	14	p.	p.	PROPN
easat-4937	444	15	c.-h	c.-h	PROPN
easat-4937	444	16	.	.	PUNCT
easat-4937	445	1	soh	soh	PROPN
easat-4937	445	2	,	,	PUNCT
easat-4937	445	3	"	"	PUNCT
easat-4937	445	4	instagram	instagram	PROPN
easat-4937	445	5	influencer	influencer	NOUN
easat-4937	445	6	marketing	marketing	NOUN
easat-4937	445	7	:	:	PUNCT
easat-4937	445	8	perceived	perceive	VERB
easat-4937	445	9	social	social	ADJ
easat-4937	445	10	media	medium	NOUN
easat-4937	445	11	marketing	marketing	NOUN
easat-4937	445	12	activities	activity	NOUN
easat-4937	445	13	and	and	CCONJ
easat-4937	445	14	online	online	ADJ
easat-4937	445	15	impulse	impulse	ADJ
easat-4937	445	16	buying	buying	NOUN
easat-4937	445	17	,	,	PUNCT
easat-4937	445	18	"	"	PUNCT
easat-4937	445	19	first	first	ADJ
easat-4937	445	20	monday	monday	PROPN
easat-4937	445	21	,	,	PUNCT
easat-4937	445	22	2021	2021	NUM
easat-4937	445	23	.	.	PUNCT
easat-4937	446	1	[	[	X
easat-4937	446	2	51	51	NUM
easat-4937	446	3	]	]	PUNCT
easat-4937	446	4	i.	i.	NOUN
easat-4937	446	5	ajzen	ajzen	PROPN
easat-4937	446	6	and	and	CCONJ
easat-4937	446	7	t.	t.	PROPN
easat-4937	446	8	j.	j.	PROPN
easat-4937	446	9	madden	madden	PROPN
easat-4937	446	10	,	,	PUNCT
easat-4937	446	11	"	"	PUNCT
easat-4937	446	12	prediction	prediction	NOUN
easat-4937	446	13	of	of	ADP
easat-4937	446	14	goal	goal	NOUN
easat-4937	446	15	-	-	PUNCT
easat-4937	446	16	directed	direct	VERB
easat-4937	446	17	behavior	behavior	NOUN
easat-4937	446	18	:	:	PUNCT
easat-4937	446	19	attitudes	attitude	NOUN
easat-4937	446	20	,	,	PUNCT
easat-4937	446	21	intentions	intention	NOUN
easat-4937	446	22	,	,	PUNCT
easat-4937	446	23	and	and	CCONJ
easat-4937	446	24	perceived	perceive	VERB
easat-4937	446	25	behavioral	behavioral	ADJ
easat-4937	446	26	control	control	NOUN
easat-4937	446	27	,	,	PUNCT
easat-4937	446	28	"	"	PUNCT
easat-4937	446	29	journal	journal	NOUN
easat-4937	446	30	of	of	ADP
easat-4937	446	31	experimental	experimental	ADJ
easat-4937	446	32	social	social	ADJ
easat-4937	446	33	psychology	psychology	NOUN
easat-4937	446	34	,	,	PUNCT
easat-4937	446	35	vol	vol	NOUN
easat-4937	446	36	.	.	PROPN
easat-4937	446	37	22	22	NUM
easat-4937	446	38	,	,	PUNCT
easat-4937	446	39	pp	pp	ADJ
easat-4937	446	40	.	.	PUNCT
easat-4937	447	1	453–474	453–474	NUM
easat-4937	447	2	,	,	PUNCT
easat-4937	447	3	1986	1986	NUM
easat-4937	447	4	.	.	PUNCT
easat-4937	448	1	https://doi.org/10.1016/00221031(86)90045-4	https://doi.org/10.1016/00221031(86)90045-4	PROPN
easat-4937	448	2	[	[	X
easat-4937	448	3	52	52	NUM
easat-4937	448	4	]	]	PUNCT
easat-4937	448	5	m.	m.	NOUN
easat-4937	448	6	adil	adil	PROPN
easat-4937	448	7	,	,	PUNCT
easat-4937	448	8	y.	y.	PROPN
easat-4937	448	9	singh	singh	PROPN
easat-4937	448	10	,	,	PUNCT
easat-4937	448	11	m.	m.	NOUN
easat-4937	448	12	subhan	subhan	PROPN
easat-4937	448	13	,	,	PUNCT
easat-4937	449	1	m.	m.	NOUN
easat-4937	449	2	a.	a.	PROPN
easat-4937	449	3	saleh	saleh	PROPN
easat-4937	449	4	al	al	PROPN
easat-4937	449	5	-	-	PUNCT
easat-4937	449	6	faryan	faryan	PROPN
easat-4937	449	7	,	,	PUNCT
easat-4937	449	8	and	and	CCONJ
easat-4937	449	9	m.	m.	PROPN
easat-4937	449	10	s.	s.	PROPN
easat-4937	449	11	ansari	ansari	PROPN
easat-4937	449	12	,	,	PUNCT
easat-4937	449	13	"	"	PUNCT
easat-4937	449	14	do	do	AUX
easat-4937	449	15	trust	trust	NOUN
easat-4937	449	16	in	in	ADP
easat-4937	449	17	financial	financial	ADJ
easat-4937	449	18	institution	institution	NOUN
easat-4937	449	19	and	and	CCONJ
easat-4937	449	20	financial	financial	ADJ
easat-4937	449	21	literacy	literacy	NOUN
easat-4937	449	22	enhances	enhance	VERB
easat-4937	449	23	intention	intention	NOUN
easat-4937	449	24	to	to	PART
easat-4937	449	25	participate	participate	VERB
easat-4937	449	26	in	in	ADP
easat-4937	449	27	stock	stock	NOUN
easat-4937	449	28	market	market	NOUN
easat-4937	449	29	among	among	ADP
easat-4937	449	30	indian	indian	ADJ
easat-4937	449	31	investors	investor	NOUN
easat-4937	449	32	during	during	ADP
easat-4937	449	33	covid-19	covid-19	PROPN
easat-4937	449	34	pandemic	pandemic	NOUN
easat-4937	449	35	?	?	PUNCT
easat-4937	449	36	,	,	PUNCT
easat-4937	449	37	"	"	PUNCT
easat-4937	449	38	cogent	cogent	NOUN
easat-4937	449	39	economics	economic	NOUN
easat-4937	449	40	&	&	CCONJ
easat-4937	449	41	finance	finance	PROPN
easat-4937	449	42	,	,	PUNCT
easat-4937	449	43	vol	vol	NOUN
easat-4937	449	44	.	.	PROPN
easat-4937	449	45	11	11	NUM
easat-4937	449	46	,	,	PUNCT
easat-4937	449	47	no	no	INTJ
easat-4937	449	48	.	.	NOUN
easat-4937	449	49	1	1	NUM
easat-4937	449	50	,	,	PUNCT
easat-4937	449	51	p.	p.	NOUN
easat-4937	449	52	2169998	2169998	NUM
easat-4937	449	53	,	,	PUNCT
easat-4937	449	54	2023	2023	NUM
easat-4937	449	55	.	.	PUNCT
easat-4937	450	1	https://doi.org/10.1080/23322039.2023.2169998	https://doi.org/10.1080/23322039.2023.2169998	PUNCT
easat-4937	451	1	[	[	X
easat-4937	451	2	53	53	NUM
easat-4937	451	3	]	]	PUNCT
easat-4937	451	4	a.	a.	NOUN
easat-4937	451	5	rajasekar	rajasekar	NOUN
easat-4937	451	6	,	,	PUNCT
easat-4937	451	7	a.	a.	PROPN
easat-4937	451	8	r.	r.	PROPN
easat-4937	451	9	pillai	pillai	PROPN
easat-4937	451	10	,	,	PUNCT
easat-4937	451	11	r.	r.	PROPN
easat-4937	451	12	elangovan	elangovan	PROPN
easat-4937	451	13	,	,	PUNCT
easat-4937	451	14	and	and	CCONJ
easat-4937	451	15	s.	s.	PROPN
easat-4937	451	16	parayitam	parayitam	PROPN
easat-4937	451	17	,	,	PUNCT
easat-4937	451	18	"	"	PUNCT
easat-4937	451	19	risk	risk	NOUN
easat-4937	451	20	capacity	capacity	NOUN
easat-4937	451	21	and	and	CCONJ
easat-4937	451	22	investment	investment	NOUN
easat-4937	451	23	priority	priority	NOUN
easat-4937	451	24	as	as	ADP
easat-4937	451	25	moderators	moderator	NOUN
easat-4937	451	26	in	in	ADP
easat-4937	451	27	the	the	DET
easat-4937	451	28	relationship	relationship	NOUN
easat-4937	451	29	between	between	ADP
easat-4937	451	30	big	big	ADJ
easat-4937	451	31	-	-	PUNCT
easat-4937	451	32	five	five	NUM
easat-4937	451	33	personality	personality	NOUN
easat-4937	451	34	factors	factor	NOUN
easat-4937	451	35	and	and	CCONJ
easat-4937	451	36	investment	investment	NOUN
easat-4937	451	37	behavior	behavior	NOUN
easat-4937	451	38	:	:	PUNCT
easat-4937	451	39	a	a	DET
easat-4937	451	40	conditional	conditional	ADJ
easat-4937	451	41	moderated	moderated	ADJ
easat-4937	451	42	moderatedmediation	moderatedmediation	NOUN
easat-4937	451	43	model	model	NOUN
easat-4937	451	44	,	,	PUNCT
easat-4937	451	45	"	"	PUNCT
easat-4937	451	46	quality	quality	NOUN
easat-4937	451	47	&	&	CCONJ
easat-4937	451	48	quantity	quantity	NOUN
easat-4937	451	49	,	,	PUNCT
easat-4937	451	50	vol	vol	NOUN
easat-4937	451	51	.	.	PROPN
easat-4937	451	52	57	57	NUM
easat-4937	451	53	,	,	PUNCT
easat-4937	451	54	no	no	INTJ
easat-4937	451	55	.	.	NOUN
easat-4937	451	56	3	3	NUM
easat-4937	451	57	,	,	PUNCT
easat-4937	451	58	pp	pp	ADJ
easat-4937	451	59	.	.	PUNCT
easat-4937	451	60	2091	2091	NUM
easat-4937	451	61	-	-	SYM
easat-4937	451	62	2123	2123	NUM
easat-4937	451	63	,	,	PUNCT
easat-4937	451	64	2023	2023	NUM
easat-4937	451	65	.	.	PUNCT
easat-4937	452	1	https://doi.org/10.1007/s11135-02201429-2	https://doi.org/10.1007/s11135-02201429-2	PROPN
easat-4937	453	1	[	[	X
easat-4937	453	2	54	54	NUM
easat-4937	453	3	]	]	PUNCT
easat-4937	453	4	l.	l.	PROPN
easat-4937	453	5	h.	h.	PROPN
easat-4937	453	6	shen	shen	PROPN
easat-4937	453	7	,	,	PUNCT
easat-4937	453	8	h.	h.	PROPN
easat-4937	453	9	u.	u.	PROPN
easat-4937	453	10	khan	khan	PROPN
easat-4937	453	11	,	,	PUNCT
easat-4937	453	12	and	and	CCONJ
easat-4937	453	13	h.	h.	PROPN
easat-4937	453	14	hammami	hammami	PROPN
easat-4937	453	15	,	,	PUNCT
easat-4937	453	16	"	"	PUNCT
easat-4937	453	17	an	an	DET
easat-4937	453	18	empirical	empirical	ADJ
easat-4937	453	19	study	study	NOUN
easat-4937	453	20	of	of	ADP
easat-4937	453	21	lenders	lender	NOUN
easat-4937	453	22	’	’	PART
easat-4937	453	23	perception	perception	NOUN
easat-4937	453	24	of	of	ADP
easat-4937	453	25	chinese	chinese	ADJ
easat-4937	453	26	online	online	ADJ
easat-4937	453	27	peer	peer	NOUN
easat-4937	453	28	-	-	PUNCT
easat-4937	453	29	to	to	ADP
easat-4937	453	30	-	-	PUNCT
easat-4937	453	31	peer	peer	NOUN
easat-4937	453	32	(	(	PUNCT
easat-4937	453	33	p2p	p2p	NOUN
easat-4937	453	34	)	)	PUNCT
easat-4937	453	35	lending	lending	NOUN
easat-4937	453	36	platforms	platform	NOUN
easat-4937	453	37	,	,	PUNCT
easat-4937	453	38	"	"	PUNCT
easat-4937	453	39	the	the	DET
easat-4937	453	40	journal	journal	NOUN
easat-4937	453	41	of	of	ADP
easat-4937	453	42	alternative	alternative	ADJ
easat-4937	453	43	investments	investment	NOUN
easat-4937	453	44	,	,	PUNCT
easat-4937	453	45	vol	vol	NOUN
easat-4937	453	46	.	.	PROPN
easat-4937	453	47	23	23	NUM
easat-4937	453	48	,	,	PUNCT
easat-4937	453	49	no	no	INTJ
easat-4937	453	50	.	.	NOUN
easat-4937	453	51	4	4	NUM
easat-4937	453	52	,	,	PUNCT
easat-4937	453	53	pp	pp	ADJ
easat-4937	453	54	.	.	PUNCT
easat-4937	454	1	152	152	NUM
easat-4937	454	2	-	-	SYM
easat-4937	454	3	175	175	NUM
easat-4937	454	4	,	,	PUNCT
easat-4937	454	5	2021	2021	NUM
easat-4937	454	6	.	.	PUNCT
easat-4937	455	1	https://doi.org/10.3905/jai.2021.1.128	https://doi.org/10.3905/jai.2021.1.128	PROPN
easat-4937	456	1	[	[	X
easat-4937	456	2	55	55	NUM
easat-4937	456	3	]	]	PUNCT
easat-4937	456	4	w.	w.	PROPN
easat-4937	456	5	a.	a.	PROPN
easat-4937	456	6	srisathan	srisathan	PROPN
easat-4937	456	7	and	and	CCONJ
easat-4937	456	8	p.	p.	NOUN
easat-4937	456	9	naruetharadhol	naruetharadhol	NOUN
easat-4937	456	10	,	,	PUNCT
easat-4937	456	11	"	"	PUNCT
easat-4937	456	12	a	a	DET
easat-4937	456	13	covid-19	covid-19	PROPN
easat-4937	456	14	disruption	disruption	NOUN
easat-4937	456	15	:	:	PUNCT
easat-4937	456	16	the	the	DET
easat-4937	456	17	great	great	ADJ
easat-4937	456	18	acceleration	acceleration	NOUN
easat-4937	456	19	of	of	ADP
easat-4937	456	20	digitally	digitally	ADV
easat-4937	456	21	planned	plan	VERB
easat-4937	456	22	and	and	CCONJ
easat-4937	456	23	transformed	transform	VERB
easat-4937	456	24	behaviors	behavior	NOUN
easat-4937	456	25	in	in	ADP
easat-4937	456	26	thailand	thailand	PROPN
easat-4937	456	27	,	,	PUNCT
easat-4937	456	28	"	"	PUNCT
easat-4937	456	29	technology	technology	NOUN
easat-4937	456	30	in	in	ADP
easat-4937	456	31	society	society	NOUN
easat-4937	456	32	,	,	PUNCT
easat-4937	456	33	vol	vol	NOUN
easat-4937	456	34	.	.	PROPN
easat-4937	456	35	68	68	NUM
easat-4937	456	36	,	,	PUNCT
easat-4937	456	37	p.	p.	NOUN
easat-4937	456	38	101912	101912	NUM
easat-4937	456	39	,	,	PUNCT
easat-4937	456	40	2022	2022	NUM
easat-4937	456	41	.	.	PUNCT
easat-4937	457	1	https://doi.org/10.1016/j.techsoc.2022.101912	https://doi.org/10.1016/j.techsoc.2022.101912	PROPN
easat-4937	457	2	[	[	X
easat-4937	457	3	56	56	NUM
easat-4937	457	4	]	]	X
easat-4937	457	5	p.	p.	NOUN
easat-4937	457	6	aspers	asper	NOUN
easat-4937	457	7	and	and	CCONJ
easat-4937	457	8	u.	u.	PROPN
easat-4937	457	9	corte	corte	PROPN
easat-4937	457	10	,	,	PUNCT
easat-4937	457	11	"	"	PUNCT
easat-4937	457	12	what	what	PRON
easat-4937	457	13	is	be	AUX
easat-4937	457	14	qualitative	qualitative	VERB
easat-4937	457	15	in	in	ADP
easat-4937	457	16	qualitative	qualitative	ADJ
easat-4937	457	17	research	research	NOUN
easat-4937	457	18	,	,	PUNCT
easat-4937	457	19	"	"	PUNCT
easat-4937	457	20	qualitative	qualitative	ADJ
easat-4937	457	21	sociology	sociology	NOUN
easat-4937	457	22	,	,	PUNCT
easat-4937	457	23	vol	vol	NOUN
easat-4937	457	24	.	.	PROPN
easat-4937	458	1	42	42	NUM
easat-4937	458	2	,	,	PUNCT
easat-4937	458	3	pp	pp	ADJ
easat-4937	458	4	.	.	PUNCT
easat-4937	459	1	139	139	NUM
easat-4937	459	2	-	-	SYM
easat-4937	459	3	160	160	NUM
easat-4937	459	4	,	,	PUNCT
easat-4937	459	5	2019	2019	NUM
easat-4937	459	6	.	.	PUNCT
easat-4937	460	1	https://doi.org/10.1007/s11133-019-9413-7	https://doi.org/10.1007/s11133-019-9413-7	PROPN
easat-4937	460	2	https://doi.org/10.1080/0144929x.2015.1028448	https://doi.org/10.1080/0144929x.2015.1028448	X
easat-4937	460	3	https://doi.org/10.1177/001872676301600302	https://doi.org/10.1177/001872676301600302	ADJ
easat-4937	460	4	https://doi.org/10.1108/09590550510581485	https://doi.org/10.1108/09590550510581485	NUM
easat-4937	460	5	https://doi.org/10.1006/imms.1993.1022	https://doi.org/10.1006/imms.1993.1022	PROPN
easat-4937	460	6	https://doi.org/10.1002/piq.21225	https://doi.org/10.1002/piq.21225	PROPN
easat-4937	460	7	https://doi.org/10.1080/0965254x.2021.1890190	https://doi.org/10.1080/0965254x.2021.1890190	PUNCT
easat-4937	460	8	https://doi.org/10.1108/jima-10-2020-0324	https://doi.org/10.1108/jima-10-2020-0324	ADJ
easat-4937	460	9	https://doi.org/10.1108/jima-10-2020-0324	https://doi.org/10.1108/jima-10-2020-0324	ADJ
easat-4937	460	10	https://doi.org/10.1108/ijbm-08-2017-0167	https://doi.org/10.1108/ijbm-08-2017-0167	NOUN
easat-4937	460	11	https://doi.org/10.1108/ijbm-08-2017-0167	https://doi.org/10.1108/ijbm-08-2017-0167	PROPN
easat-4937	460	12	https://doi.org/10.1108/mf-03-2021-0130	https://doi.org/10.1108/mf-03-2021-0130	PROPN
easat-4937	460	13	https://doi.org/10.1017/ehs.2020.58	https://doi.org/10.1017/ehs.2020.58	PROPN
easat-4937	460	14	https://doi.org/10.1348/014466608x295207	https://doi.org/10.1348/014466608x295207	NOUN
easat-4937	460	15	https://doi.org/10.1186/s40854-020-00197-y	https://doi.org/10.1186/s40854-020-00197-y	NOUN
easat-4937	460	16	https://doi.org/10.3390/su141811377	https://doi.org/10.3390/su141811377	ADP
easat-4937	460	17	https://doi.org/10.3390/math11020453	https://doi.org/10.3390/math11020453	NOUN
easat-4937	460	18	https://doi.org/10.1016/0022-1031(86)90045-4	https://doi.org/10.1016/0022-1031(86)90045-4	NUM
easat-4937	460	19	https://doi.org/10.1016/0022-1031(86)90045-4	https://doi.org/10.1016/0022-1031(86)90045-4	NUM
easat-4937	460	20	https://doi.org/10.1080/23322039.2023.2169998	https://doi.org/10.1080/23322039.2023.2169998	SYM
easat-4937	460	21	https://doi.org/10.1007/s11135-022-01429-2	https://doi.org/10.1007/s11135-022-01429-2	NUM
easat-4937	460	22	https://doi.org/10.1007/s11135-022-01429-2	https://doi.org/10.1007/s11135-022-01429-2	NUM
easat-4937	460	23	https://doi.org/10.3905/jai.2021.1.128	https://doi.org/10.3905/jai.2021.1.128	PROPN
easat-4937	461	1	https://doi.org/10.1016/j.techsoc.2022.101912	https://doi.org/10.1016/j.techsoc.2022.101912	PROPN
easat-4937	461	2	https://doi.org/10.1007/s11133-019-9413-7	https://doi.org/10.1007/s11133-019-9413-7	PROPN
easat-4937	461	3	1851	1851	NUM
easat-4937	461	4	edelweiss	edelweiss	PROPN
easat-4937	461	5	applied	apply	VERB
easat-4937	461	6	science	science	NOUN
easat-4937	461	7	and	and	CCONJ
easat-4937	461	8	technology	technology	NOUN
easat-4937	461	9	issn	issn	PROPN
easat-4937	461	10	:	:	PUNCT
easat-4937	461	11	2576	2576	NUM
easat-4937	461	12	-	-	SYM
easat-4937	461	13	8484	8484	NUM
easat-4937	461	14	vol	vol	NOUN
easat-4937	461	15	.	.	PROPN
easat-4937	462	1	9	9	NUM
easat-4937	462	2	,	,	PUNCT
easat-4937	462	3	no	no	INTJ
easat-4937	462	4	.	.	NOUN
easat-4937	462	5	2	2	NUM
easat-4937	462	6	:	:	SYM
easat-4937	462	7	1839	1839	NUM
easat-4937	462	8	-	-	SYM
easat-4937	462	9	1851	1851	NUM
easat-4937	462	10	,	,	PUNCT
easat-4937	462	11	2025	2025	NUM
easat-4937	462	12	doi	doi	NOUN
easat-4937	462	13	:	:	PUNCT
easat-4937	462	14	10.55214/25768484.v9i2.4937	10.55214/25768484.v9i2.4937	NUM
easat-4937	462	15	©	©	PROPN
easat-4937	462	16	2025	2025	NUM
easat-4937	462	17	by	by	ADP
easat-4937	462	18	the	the	DET
easat-4937	462	19	authors	author	NOUN
easat-4937	462	20	;	;	PUNCT
easat-4937	462	21	licensee	licensee	PROPN
easat-4937	462	22	learning	learning	NOUN
easat-4937	462	23	gate	gate	NOUN
easat-4937	463	1	[	[	X
easat-4937	463	2	57	57	NUM
easat-4937	463	3	]	]	PUNCT
easat-4937	463	4	b.	b.	PROPN
easat-4937	463	5	kandel	kandel	PROPN
easat-4937	463	6	,	,	PUNCT
easat-4937	463	7	"	"	PUNCT
easat-4937	463	8	qualitative	qualitative	ADJ
easat-4937	463	9	versus	versus	ADP
easat-4937	463	10	quantitative	quantitative	ADJ
easat-4937	463	11	research	research	NOUN
easat-4937	463	12	,	,	PUNCT
easat-4937	463	13	"	"	PUNCT
easat-4937	463	14	journal	journal	NOUN
easat-4937	463	15	of	of	ADP
easat-4937	463	16	product	product	NOUN
easat-4937	463	17	innovation	innovation	NOUN
easat-4937	463	18	management	management	NOUN
easat-4937	463	19	,	,	PUNCT
easat-4937	463	20	vol	vol	NOUN
easat-4937	463	21	.	.	PROPN
easat-4937	463	22	32	32	NUM
easat-4937	463	23	,	,	PUNCT
easat-4937	463	24	no	no	INTJ
easat-4937	463	25	.	.	NOUN
easat-4937	463	26	5	5	NUM
easat-4937	463	27	,	,	PUNCT
easat-4937	463	28	p.	p.	NOUN
easat-4937	463	29	658	658	NUM
easat-4937	463	30	,	,	PUNCT
easat-4937	463	31	2020	2020	NUM
easat-4937	463	32	.	.	PUNCT
easat-4937	464	1	[	[	X
easat-4937	464	2	58	58	NUM
easat-4937	464	3	]	]	X
easat-4937	464	4	w.	w.	PROPN
easat-4937	464	5	m.	m.	PROPN
easat-4937	464	6	lim	lim	PROPN
easat-4937	464	7	,	,	PUNCT
easat-4937	464	8	"	"	PUNCT
easat-4937	464	9	what	what	PRON
easat-4937	464	10	is	be	AUX
easat-4937	464	11	qualitative	qualitative	ADJ
easat-4937	464	12	research	research	NOUN
easat-4937	464	13	?	?	PUNCT
easat-4937	465	1	an	an	DET
easat-4937	465	2	overview	overview	NOUN
easat-4937	465	3	and	and	CCONJ
easat-4937	465	4	guidelines	guideline	NOUN
easat-4937	465	5	,	,	PUNCT
easat-4937	465	6	"	"	PUNCT
easat-4937	465	7	australasian	australasian	ADJ
easat-4937	465	8	marketing	marketing	NOUN
easat-4937	465	9	journal	journal	NOUN
easat-4937	465	10	,	,	PUNCT
easat-4937	465	11	p.	p.	NOUN
easat-4937	465	12	14413582241264619	14413582241264619	NUM
easat-4937	465	13	,	,	PUNCT
easat-4937	465	14	2024	2024	NUM
easat-4937	465	15	.	.	PUNCT
easat-4937	466	1	https://doi.org/10.1177/14413582241264619	https://doi.org/10.1177/14413582241264619	X
easat-4937	467	1	[	[	X
easat-4937	467	2	59	59	NUM
easat-4937	467	3	]	]	PUNCT
easat-4937	467	4	m.	m.	PROPN
easat-4937	467	5	q.	q.	PROPN
easat-4937	467	6	patton	patton	PROPN
easat-4937	467	7	,	,	PUNCT
easat-4937	467	8	qualitative	qualitative	ADJ
easat-4937	467	9	research	research	NOUN
easat-4937	467	10	&	&	CCONJ
easat-4937	467	11	evaluation	evaluation	NOUN
easat-4937	467	12	methods	method	NOUN
easat-4937	467	13	,	,	PUNCT
easat-4937	467	14	3rd	3rd	ADJ
easat-4937	467	15	ed	ed	NOUN
easat-4937	467	16	.	.	PUNCT
easat-4937	468	1	sage	sage	NOUN
easat-4937	468	2	publications	publication	NOUN
easat-4937	468	3	,	,	PUNCT
easat-4937	468	4	2002	2002	NUM
easat-4937	468	5	.	.	PUNCT
easat-4937	469	1	[	[	X
easat-4937	469	2	60	60	NUM
easat-4937	469	3	]	]	X
easat-4937	469	4	e.	e.	PROPN
easat-4937	469	5	fossey	fossey	PROPN
easat-4937	469	6	,	,	PUNCT
easat-4937	469	7	c.	c.	PROPN
easat-4937	469	8	harvey	harvey	PROPN
easat-4937	469	9	,	,	PUNCT
easat-4937	469	10	f.	f.	PROPN
easat-4937	469	11	mcdermott	mcdermott	PROPN
easat-4937	469	12	,	,	PUNCT
easat-4937	469	13	and	and	CCONJ
easat-4937	469	14	l.	l.	PROPN
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easat-4937	469	16	,	,	PUNCT
easat-4937	469	17	"	"	PUNCT
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easat-4937	469	19	and	and	CCONJ
easat-4937	469	20	evaluating	evaluate	VERB
easat-4937	469	21	qualitative	qualitative	ADJ
easat-4937	469	22	research	research	NOUN
easat-4937	469	23	,	,	PUNCT
easat-4937	469	24	"	"	PUNCT
easat-4937	469	25	australian	australian	ADJ
easat-4937	469	26	&	&	CCONJ
easat-4937	469	27	new	new	PROPN
easat-4937	469	28	zealand	zealand	PROPN
easat-4937	469	29	journal	journal	PROPN
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easat-4937	469	32	,	,	PUNCT
easat-4937	469	33	vol	vol	NOUN
easat-4937	469	34	.	.	PROPN
easat-4937	469	35	36	36	NUM
easat-4937	469	36	,	,	PUNCT
easat-4937	469	37	no	no	INTJ
easat-4937	469	38	.	.	NOUN
easat-4937	469	39	6	6	NUM
easat-4937	469	40	,	,	PUNCT
easat-4937	469	41	pp	pp	ADJ
easat-4937	469	42	.	.	PUNCT
easat-4937	470	1	717	717	NUM
easat-4937	470	2	-	-	SYM
easat-4937	470	3	732	732	NUM
easat-4937	470	4	,	,	PUNCT
easat-4937	470	5	2002	2002	NUM
easat-4937	470	6	.	.	PUNCT
easat-4937	470	7	https://doi.org/10.1046/j.14401614.2002.01100.x	https://doi.org/10.1046/j.14401614.2002.01100.x	X
easat-4937	471	1	[	[	X
easat-4937	471	2	61	61	NUM
easat-4937	471	3	]	]	PUNCT
easat-4937	471	4	j.	j.	PROPN
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easat-4937	471	6	,	,	PUNCT
easat-4937	471	7	"	"	PUNCT
easat-4937	471	8	semi	semi	ADJ
easat-4937	471	9	-	-	ADJ
easat-4937	471	10	structured	structured	ADJ
easat-4937	471	11	interviewing	interviewing	NOUN
easat-4937	471	12	in	in	ADP
easat-4937	471	13	practice	practice	NOUN
easat-4937	471	14	-	-	PUNCT
easat-4937	471	15	close	close	NOUN
easat-4937	471	16	research	research	NOUN
easat-4937	471	17	,	,	PUNCT
easat-4937	471	18	"	"	PUNCT
easat-4937	471	19	journal	journal	NOUN
easat-4937	471	20	for	for	ADP
easat-4937	471	21	specialists	specialist	NOUN
easat-4937	471	22	in	in	ADP
easat-4937	471	23	pediatric	pediatric	ADJ
easat-4937	471	24	nursing	nursing	NOUN
easat-4937	471	25	,	,	PUNCT
easat-4937	471	26	vol	vol	NOUN
easat-4937	471	27	.	.	PROPN
easat-4937	471	28	15	15	NUM
easat-4937	471	29	,	,	PUNCT
easat-4937	471	30	no	no	INTJ
easat-4937	471	31	.	.	NOUN
easat-4937	471	32	3	3	NUM
easat-4937	471	33	,	,	PUNCT
easat-4937	471	34	p.	p.	NOUN
easat-4937	471	35	255	255	NUM
easat-4937	471	36	,	,	PUNCT
easat-4937	471	37	2010	2010	NUM
easat-4937	471	38	.	.	PUNCT
easat-4937	472	1	https://doi.org/10.1111/j.1744-6155.2010.00243.x	https://doi.org/10.1111/j.1744-6155.2010.00243.x	X
easat-4937	473	1	[	[	X
easat-4937	473	2	62	62	NUM
easat-4937	473	3	]	]	PUNCT
easat-4937	473	4	j.	j.	PROPN
easat-4937	473	5	l.	l.	PROPN
easat-4937	473	6	oliffe	oliffe	PROPN
easat-4937	473	7	,	,	PUNCT
easat-4937	473	8	m.	m.	NOUN
easat-4937	473	9	t.	t.	PROPN
easat-4937	473	10	kelly	kelly	PROPN
easat-4937	473	11	,	,	PUNCT
easat-4937	473	12	g.	g.	PROPN
easat-4937	473	13	gonzalez	gonzalez	PROPN
easat-4937	473	14	montaner	montaner	PROPN
easat-4937	473	15	,	,	PUNCT
easat-4937	473	16	and	and	CCONJ
easat-4937	473	17	w.	w.	PROPN
easat-4937	473	18	f.	f.	PROPN
easat-4937	473	19	yu	yu	PROPN
easat-4937	473	20	ko	ko	PROPN
easat-4937	473	21	,	,	PUNCT
easat-4937	473	22	"	"	PUNCT
easat-4937	473	23	zoom	zoom	NUM
easat-4937	473	24	interviews	interview	NOUN
easat-4937	473	25	:	:	PUNCT
easat-4937	473	26	benefits	benefit	NOUN
easat-4937	473	27	and	and	CCONJ
easat-4937	473	28	concessions	concession	NOUN
easat-4937	473	29	,	,	PUNCT
easat-4937	473	30	"	"	PUNCT
easat-4937	473	31	international	international	ADJ
easat-4937	473	32	journal	journal	NOUN
easat-4937	473	33	of	of	ADP
easat-4937	473	34	qualitative	qualitative	ADJ
easat-4937	473	35	methods	method	NOUN
easat-4937	473	36	,	,	PUNCT
easat-4937	473	37	vol	vol	NOUN
easat-4937	473	38	.	.	PROPN
easat-4937	473	39	20	20	NUM
easat-4937	473	40	,	,	PUNCT
easat-4937	473	41	p.	p.	NOUN
easat-4937	473	42	16094069211053522	16094069211053522	NUM
easat-4937	473	43	,	,	PUNCT
easat-4937	473	44	2021	2021	NUM
easat-4937	473	45	.	.	PUNCT
easat-4937	474	1	https://doi.org/10.1177/16094069211053522	https://doi.org/10.1177/16094069211053522	X
easat-4937	475	1	[	[	X
easat-4937	475	2	63	63	NUM
easat-4937	475	3	]	]	PUNCT
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easat-4937	475	6	and	and	CCONJ
easat-4937	475	7	v.	v.	ADP
easat-4937	475	8	clarke	clarke	PROPN
easat-4937	475	9	,	,	PUNCT
easat-4937	475	10	"	"	PUNCT
easat-4937	475	11	using	use	VERB
easat-4937	475	12	thematic	thematic	ADJ
easat-4937	475	13	analysis	analysis	NOUN
easat-4937	475	14	in	in	ADP
easat-4937	475	15	psychology	psychology	NOUN
easat-4937	475	16	,	,	PUNCT
easat-4937	475	17	"	"	PUNCT
easat-4937	475	18	qualitative	qualitative	ADJ
easat-4937	475	19	research	research	NOUN
easat-4937	475	20	in	in	ADP
easat-4937	475	21	psychology	psychology	NOUN
easat-4937	475	22	,	,	PUNCT
easat-4937	475	23	vol	vol	NOUN
easat-4937	475	24	.	.	PROPN
easat-4937	476	1	3	3	NUM
easat-4937	476	2	,	,	PUNCT
easat-4937	476	3	no	no	INTJ
easat-4937	476	4	.	.	NOUN
easat-4937	476	5	2	2	NUM
easat-4937	476	6	,	,	PUNCT
easat-4937	476	7	pp	pp	ADJ
easat-4937	476	8	.	.	PUNCT
easat-4937	477	1	77	77	NUM
easat-4937	477	2	-	-	SYM
easat-4937	477	3	101	101	NUM
easat-4937	477	4	,	,	PUNCT
easat-4937	477	5	2006	2006	NUM
easat-4937	477	6	.	.	PUNCT
easat-4937	478	1	[	[	X
easat-4937	478	2	64	64	NUM
easat-4937	478	3	]	]	PUNCT
easat-4937	478	4	e.	e.	PROPN
easat-4937	478	5	djafarova	djafarova	PROPN
easat-4937	478	6	and	and	CCONJ
easat-4937	478	7	c.	c.	PROPN
easat-4937	478	8	rushworth	rushworth	PROPN
easat-4937	478	9	,	,	PUNCT
easat-4937	478	10	"	"	PUNCT
easat-4937	478	11	exploring	explore	VERB
easat-4937	478	12	the	the	DET
easat-4937	478	13	credibility	credibility	NOUN
easat-4937	478	14	of	of	ADP
easat-4937	478	15	online	online	ADJ
easat-4937	478	16	celebrities	celebrity	NOUN
easat-4937	478	17	'	'	PART
easat-4937	478	18	instagram	instagram	PROPN
easat-4937	478	19	profiles	profile	NOUN
easat-4937	478	20	in	in	ADP
easat-4937	478	21	influencing	influence	VERB
easat-4937	478	22	the	the	DET
easat-4937	478	23	purchase	purchase	NOUN
easat-4937	478	24	decisions	decision	NOUN
easat-4937	478	25	of	of	ADP
easat-4937	478	26	young	young	ADJ
easat-4937	478	27	female	female	ADJ
easat-4937	478	28	users	user	NOUN
easat-4937	478	29	,	,	PUNCT
easat-4937	478	30	"	"	PUNCT
easat-4937	478	31	computers	computer	NOUN
easat-4937	478	32	in	in	ADP
easat-4937	478	33	human	human	ADJ
easat-4937	478	34	behavior	behavior	NOUN
easat-4937	478	35	,	,	PUNCT
easat-4937	478	36	vol	vol	NOUN
easat-4937	478	37	.	.	PROPN
easat-4937	479	1	68	68	NUM
easat-4937	479	2	,	,	PUNCT
easat-4937	479	3	pp	pp	ADJ
easat-4937	479	4	.	.	PUNCT
easat-4937	480	1	1	1	NUM
easat-4937	480	2	-	-	SYM
easat-4937	480	3	7	7	NUM
easat-4937	480	4	,	,	PUNCT
easat-4937	480	5	2017	2017	NUM
easat-4937	480	6	.	.	PUNCT
easat-4937	481	1	[	[	X
easat-4937	481	2	65	65	NUM
easat-4937	481	3	]	]	X
easat-4937	481	4	m.	m.	NOUN
easat-4937	481	5	de	de	PROPN
easat-4937	481	6	veirman	veirman	PROPN
easat-4937	481	7	,	,	PUNCT
easat-4937	481	8	v.	v.	ADP
easat-4937	481	9	cauberghe	cauberghe	ADJ
easat-4937	481	10	,	,	PUNCT
easat-4937	481	11	and	and	CCONJ
easat-4937	481	12	l.	l.	PROPN
easat-4937	481	13	hudders	hudder	NOUN
easat-4937	481	14	,	,	PUNCT
easat-4937	481	15	"	"	PUNCT
easat-4937	481	16	marketing	market	VERB
easat-4937	481	17	through	through	ADP
easat-4937	481	18	instagram	instagram	PROPN
easat-4937	481	19	influencers	influencer	NOUN
easat-4937	481	20	:	:	PUNCT
easat-4937	481	21	the	the	DET
easat-4937	481	22	impact	impact	NOUN
easat-4937	481	23	of	of	ADP
easat-4937	481	24	number	number	NOUN
easat-4937	481	25	of	of	ADP
easat-4937	481	26	followers	follower	NOUN
easat-4937	481	27	and	and	CCONJ
easat-4937	481	28	product	product	NOUN
easat-4937	481	29	divergence	divergence	NOUN
easat-4937	481	30	on	on	ADP
easat-4937	481	31	brand	brand	NOUN
easat-4937	481	32	attitude	attitude	NOUN
easat-4937	481	33	,	,	PUNCT
easat-4937	481	34	"	"	PUNCT
easat-4937	481	35	international	international	ADJ
easat-4937	481	36	journal	journal	NOUN
easat-4937	481	37	of	of	ADP
easat-4937	481	38	advertising	advertising	NOUN
easat-4937	481	39	,	,	PUNCT
easat-4937	481	40	vol	vol	NOUN
easat-4937	481	41	.	.	PROPN
easat-4937	482	1	36	36	NUM
easat-4937	482	2	,	,	PUNCT
easat-4937	482	3	no	no	INTJ
easat-4937	482	4	.	.	NOUN
easat-4937	482	5	5	5	NUM
easat-4937	482	6	,	,	PUNCT
easat-4937	482	7	pp	pp	ADJ
easat-4937	482	8	.	.	PUNCT
easat-4937	483	1	798	798	NUM
easat-4937	483	2	-	-	SYM
easat-4937	483	3	828	828	NUM
easat-4937	483	4	,	,	PUNCT
easat-4937	483	5	2017	2017	NUM
easat-4937	483	6	.	.	PUNCT
easat-4937	484	1	https://doi.org/10.1080/02650487.2017.1348035	https://doi.org/10.1080/02650487.2017.1348035	PROPN
easat-4937	485	1	[	[	X
easat-4937	485	2	66	66	NUM
easat-4937	485	3	]	]	PUNCT
easat-4937	485	4	d.	d.	PROPN
easat-4937	485	5	c.	c.	PROPN
easat-4937	485	6	french	french	PROPN
easat-4937	485	7	,	,	PUNCT
easat-4937	485	8	s.	s.	PROPN
easat-4937	485	9	pidada	pidada	PROPN
easat-4937	485	10	,	,	PUNCT
easat-4937	485	11	j.	j.	PROPN
easat-4937	485	12	denoma	denoma	PROPN
easat-4937	485	13	,	,	PUNCT
easat-4937	485	14	k.	k.	PROPN
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easat-4937	485	16	,	,	PUNCT
easat-4937	485	17	and	and	CCONJ
easat-4937	485	18	a.	a.	PROPN
easat-4937	485	19	lawton	lawton	PROPN
easat-4937	485	20	,	,	PUNCT
easat-4937	485	21	"	"	PUNCT
easat-4937	485	22	reported	report	VERB
easat-4937	485	23	peer	peer	NOUN
easat-4937	485	24	conflicts	conflict	NOUN
easat-4937	485	25	of	of	ADP
easat-4937	485	26	children	child	NOUN
easat-4937	485	27	in	in	ADP
easat-4937	485	28	the	the	DET
easat-4937	485	29	united	united	PROPN
easat-4937	485	30	states	states	PROPN
easat-4937	485	31	and	and	CCONJ
easat-4937	485	32	indonesia	indonesia	PROPN
easat-4937	485	33	,	,	PUNCT
easat-4937	485	34	"	"	PUNCT
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easat-4937	485	37	,	,	PUNCT
easat-4937	485	38	vol	vol	NOUN
easat-4937	485	39	.	.	PROPN
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easat-4937	486	2	,	,	PUNCT
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easat-4937	486	5	3	3	NUM
easat-4937	486	6	,	,	PUNCT
easat-4937	486	7	pp	pp	ADJ
easat-4937	486	8	.	.	PUNCT
easat-4937	487	1	458	458	NUM
easat-4937	487	2	-	-	SYM
easat-4937	487	3	472	472	NUM
easat-4937	487	4	,	,	PUNCT
easat-4937	487	5	2005	2005	NUM
easat-4937	487	6	.	.	PUNCT
easat-4937	488	1	https://doi.org/10.1111/j.14679507.2005.00311.x	https://doi.org/10.1111/j.14679507.2005.00311.x	X
easat-4937	489	1	[	[	X
easat-4937	489	2	67	67	NUM
easat-4937	489	3	]	]	X
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easat-4937	489	6	et	et	PROPN
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easat-4937	489	8	.	.	PROPN
easat-4937	489	9	,	,	PUNCT
easat-4937	489	10	"	"	PUNCT
easat-4937	489	11	the	the	DET
easat-4937	489	12	renewable	renewable	ADJ
easat-4937	489	13	energy	energy	NOUN
easat-4937	489	14	role	role	NOUN
easat-4937	489	15	in	in	ADP
easat-4937	489	16	the	the	DET
easat-4937	489	17	global	global	ADJ
easat-4937	489	18	energy	energy	NOUN
easat-4937	489	19	transformations	transformation	NOUN
easat-4937	489	20	,	,	PUNCT
easat-4937	489	21	"	"	PUNCT
easat-4937	489	22	renewable	renewable	ADJ
easat-4937	489	23	energy	energy	NOUN
easat-4937	489	24	focus	focus	NOUN
easat-4937	489	25	,	,	PUNCT
easat-4937	489	26	vol	vol	NOUN
easat-4937	489	27	.	.	PROPN
easat-4937	489	28	48	48	NUM
easat-4937	489	29	,	,	PUNCT
easat-4937	489	30	p.	p.	NOUN
easat-4937	489	31	100545	100545	NUM
easat-4937	489	32	,	,	PUNCT
easat-4937	489	33	2024	2024	NUM
easat-4937	489	34	.	.	PUNCT
easat-4937	490	1	[	[	X
easat-4937	490	2	68	68	NUM
easat-4937	490	3	]	]	PUNCT
easat-4937	490	4	h.	h.	PROPN
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easat-4937	490	7	a.	a.	PROPN
easat-4937	490	8	k.	k.	PROPN
easat-4937	490	9	samantaray	samantaray	PROPN
easat-4937	490	10	,	,	PUNCT
easat-4937	490	11	r.	r.	PROPN
easat-4937	490	12	r.	r.	PROPN
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easat-4937	490	15	and	and	CCONJ
easat-4937	490	16	l.	l.	PROPN
easat-4937	490	17	k.	k.	PROPN
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easat-4937	490	20	"	"	PUNCT
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easat-4937	490	22	literacy	literacy	NOUN
easat-4937	490	23	in	in	ADP
easat-4937	490	24	predicting	predict	VERB
easat-4937	490	25	investment	investment	NOUN
easat-4937	490	26	decisions	decision	NOUN
easat-4937	490	27	:	:	PUNCT
easat-4937	490	28	do	do	VERB
easat-4937	490	29	attitude	attitude	NOUN
easat-4937	490	30	and	and	CCONJ
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easat-4937	490	32	influence	influence	NOUN
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easat-4937	490	34	,	,	PUNCT
easat-4937	490	35	"	"	PUNCT
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easat-4937	490	39	social	social	ADJ
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easat-4937	490	41	,	,	PUNCT
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easat-4937	490	43	.	.	PROPN
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easat-4937	490	45	,	,	PUNCT
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easat-4937	490	47	.	.	NOUN
easat-4937	490	48	2	2	NUM
easat-4937	490	49	,	,	PUNCT
easat-4937	490	50	pp	pp	ADJ
easat-4937	490	51	.	.	PUNCT
easat-4937	490	52	220235	220235	NUM
easat-4937	490	53	,	,	PUNCT
easat-4937	490	54	2025	2025	NUM
easat-4937	490	55	.	.	PUNCT
easat-4937	491	1	https://doi.org/10.1108/ijse-05-2023-0370	https://doi.org/10.1108/ijse-05-2023-0370	NOUN
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easat-4937	491	4	.	.	PUNCT
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easat-4937	492	2	profile	profile	VERB
easat-4937	492	3	.	.	PUNCT
easat-4937	493	1	identifier	identifier	NOUN
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easat-4937	493	4	age	age	NOUN
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easat-4937	493	7	f	f	PROPN
easat-4937	493	8	intern	intern	NOUN
easat-4937	493	9	20	20	NUM
easat-4937	493	10	-	-	SYM
easat-4937	493	11	25	25	NUM
easat-4937	493	12	r2	r2	PROPN
easat-4937	493	13	f	f	PROPN
easat-4937	493	14	finance	finance	NOUN
easat-4937	493	15	department	department	NOUN
easat-4937	493	16	30	30	NUM
easat-4937	493	17	-	-	SYM
easat-4937	493	18	35	35	NUM
easat-4937	493	19	r3	r3	PROPN
easat-4937	493	20	m	m	NOUN
easat-4937	493	21	tax	tax	NOUN
easat-4937	493	22	consultant	consultant	NOUN
easat-4937	493	23	20	20	NUM
easat-4937	493	24	-	-	SYM
easat-4937	493	25	25	25	NUM
easat-4937	493	26	r4	r4	PROPN
easat-4937	493	27	f	f	PROPN
easat-4937	493	28	university	university	NOUN
easat-4937	493	29	student	student	NOUN
easat-4937	493	30	20	20	NUM
easat-4937	493	31	-	-	SYM
easat-4937	493	32	25	25	NUM
easat-4937	493	33	r5	r5	PROPN
easat-4937	493	34	m	m	PROPN
easat-4937	493	35	lecturer	lecturer	NOUN
easat-4937	493	36	25	25	NUM
easat-4937	493	37	-	-	SYM
easat-4937	493	38	30	30	NUM
easat-4937	493	39	r6	r6	PROPN
easat-4937	493	40	m	m	PROPN
easat-4937	493	41	university	university	NOUN
easat-4937	493	42	student	student	NOUN
easat-4937	493	43	20	20	NUM
easat-4937	493	44	-	-	SYM
easat-4937	493	45	25	25	NUM
easat-4937	493	46	r7	r7	PROPN
easat-4937	493	47	m	m	PROPN
easat-4937	493	48	university	university	NOUN
easat-4937	493	49	student	student	NOUN
easat-4937	493	50	20	20	NUM
easat-4937	493	51	-	-	SYM
easat-4937	493	52	25	25	NUM
easat-4937	493	53	r8	r8	PROPN
easat-4937	493	54	m	m	NOUN
easat-4937	493	55	product	product	NOUN
easat-4937	493	56	manager	manager	NOUN
easat-4937	493	57	25	25	NUM
easat-4937	493	58	-	-	SYM
easat-4937	493	59	30	30	NUM
easat-4937	493	60	r9	r9	NOUN
easat-4937	493	61	f	f	PROPN
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easat-4937	493	63	30	30	NUM
easat-4937	493	64	-	-	SYM
easat-4937	493	65	35	35	NUM
easat-4937	493	66	r10	r10	NOUN
easat-4937	493	67	m	m	NOUN
easat-4937	493	68	coo	coo	NOUN
easat-4937	493	69	50	50	NUM
easat-4937	493	70	-	-	SYM
easat-4937	493	71	55	55	NUM
easat-4937	493	72	r11	r11	NOUN
easat-4937	493	73	m	m	VERB
easat-4937	493	74	private	private	ADJ
easat-4937	493	75	employee	employee	NOUN
easat-4937	493	76	40	40	NUM
easat-4937	493	77	-	-	SYM
easat-4937	493	78	45	45	NUM
easat-4937	493	79	r12	r12	PROPN
easat-4937	493	80	m	m	PROPN
easat-4937	493	81	ceo	ceo	NOUN
easat-4937	493	82	50	50	NUM
easat-4937	493	83	-	-	SYM
easat-4937	493	84	55	55	NUM
easat-4937	493	85	r13	r13	NOUN
easat-4937	493	86	m	m	VERB
easat-4937	493	87	it	it	PRON
easat-4937	493	88	department	department	NOUN
easat-4937	493	89	30	30	NUM
easat-4937	493	90	-	-	SYM
easat-4937	493	91	35	35	NUM
easat-4937	493	92	https://doi.org/10.1177/14413582241264619	https://doi.org/10.1177/14413582241264619	NUM
easat-4937	493	93	https://doi.org/10.1046/j.1440-1614.2002.01100.x	https://doi.org/10.1046/j.1440-1614.2002.01100.x	VERB
easat-4937	493	94	https://doi.org/10.1046/j.1440-1614.2002.01100.x	https://doi.org/10.1046/j.1440-1614.2002.01100.x	VERB
easat-4937	493	95	https://doi.org/10.1111/j.1744-6155.2010.00243.x	https://doi.org/10.1111/j.1744-6155.2010.00243.x	PRON
easat-4937	493	96	https://doi.org/10.1177/16094069211053522	https://doi.org/10.1177/16094069211053522	PUNCT
easat-4937	494	1	https://doi.org/10.1080/02650487.2017.1348035	https://doi.org/10.1080/02650487.2017.1348035	PROPN
easat-4937	494	2	https://doi.org/10.1111/j.1467-9507.2005.00311.x	https://doi.org/10.1111/j.1467-9507.2005.00311.x	NOUN
easat-4937	494	3	https://doi.org/10.1111/j.1467-9507.2005.00311.x	https://doi.org/10.1111/j.1467-9507.2005.00311.x	NOUN
easat-4937	494	4	https://doi.org/10.1108/ijse-05-2023-0370	https://doi.org/10.1108/ijse-05-2023-0370	NOUN