id	sid	tid	token	lemma	pos
easat-6704	1	1	edelweiss	edelweiss	PROPN
easat-6704	1	2	applied	apply	VERB
easat-6704	1	3	science	science	NOUN
easat-6704	1	4	and	and	CCONJ
easat-6704	1	5	technology	technology	NOUN
easat-6704	1	6	issn	issn	PROPN
easat-6704	1	7	:	:	PUNCT
easat-6704	1	8	2576	2576	NUM
easat-6704	1	9	-	-	SYM
easat-6704	1	10	8484	8484	NUM
easat-6704	1	11	vol	vol	NOUN
easat-6704	1	12	.	.	PROPN
easat-6704	2	1	9	9	NUM
easat-6704	2	2	,	,	PUNCT
easat-6704	2	3	no	no	INTJ
easat-6704	2	4	.	.	NOUN
easat-6704	2	5	4	4	NUM
easat-6704	2	6	,	,	PUNCT
easat-6704	2	7	2990	2990	NUM
easat-6704	2	8	-	-	SYM
easat-6704	2	9	2999	2999	NUM
easat-6704	2	10	2025	2025	NUM
easat-6704	2	11	publisher	publisher	NOUN
easat-6704	2	12	:	:	PUNCT
easat-6704	2	13	learning	learn	VERB
easat-6704	2	14	gate	gate	NOUN
easat-6704	2	15	doi	doi	PROPN
easat-6704	2	16	:	:	PUNCT
easat-6704	2	17	10.55214/25768484.v9i4.6704	10.55214/25768484.v9i4.6704	NUM
easat-6704	2	18	©	©	ADP
easat-6704	2	19	2025	2025	NUM
easat-6704	2	20	by	by	ADP
easat-6704	2	21	the	the	DET
easat-6704	2	22	authors	author	NOUN
easat-6704	2	23	;	;	PUNCT
easat-6704	3	1	licensee	licensee	PROPN
easat-6704	3	2	learning	learning	NOUN
easat-6704	3	3	gate	gate	NOUN
easat-6704	3	4	©	©	PROPN
easat-6704	3	5	2025	2025	NUM
easat-6704	3	6	by	by	ADP
easat-6704	3	7	the	the	DET
easat-6704	3	8	authors	author	NOUN
easat-6704	3	9	;	;	PUNCT
easat-6704	3	10	licensee	licensee	PROPN
easat-6704	3	11	learning	learning	NOUN
easat-6704	3	12	gate	gate	NOUN
easat-6704	3	13	history	history	NOUN
easat-6704	3	14	:	:	PUNCT
easat-6704	3	15	received	receive	VERB
easat-6704	3	16	:	:	PUNCT
easat-6704	3	17	27	27	NUM
easat-6704	3	18	february	february	NOUN
easat-6704	3	19	2025	2025	NUM
easat-6704	3	20	;	;	PUNCT
easat-6704	3	21	revised	revise	VERB
easat-6704	3	22	:	:	PUNCT
easat-6704	3	23	11	11	NUM
easat-6704	3	24	april	april	PROPN
easat-6704	3	25	2025	2025	NUM
easat-6704	3	26	;	;	PUNCT
easat-6704	3	27	accepted	accept	VERB
easat-6704	3	28	:	:	PUNCT
easat-6704	3	29	15	15	NUM
easat-6704	3	30	april	april	PROPN
easat-6704	3	31	2025	2025	NUM
easat-6704	3	32	;	;	PUNCT
easat-6704	3	33	published	publish	VERB
easat-6704	3	34	:	:	PUNCT
easat-6704	3	35	29	29	NUM
easat-6704	3	36	april	april	PROPN
easat-6704	3	37	2025	2025	NUM
easat-6704	3	38	*	*	PUNCT
easat-6704	3	39	correspondence	correspondence	NOUN
easat-6704	3	40	:	:	PUNCT
easat-6704	3	41	thangln@hvnh.edu.vn	thangln@hvnh.edu.vn	NOUN
easat-6704	3	42	operational	operational	ADJ
easat-6704	3	43	sustainability	sustainability	NOUN
easat-6704	3	44	of	of	ADP
easat-6704	3	45	microfinance	microfinance	NOUN
easat-6704	3	46	institutions	institution	NOUN
easat-6704	3	47	in	in	ADP
easat-6704	3	48	emerging	emerge	VERB
easat-6704	3	49	economies	economy	NOUN
easat-6704	3	50	:	:	PUNCT
easat-6704	3	51	the	the	DET
easat-6704	3	52	role	role	NOUN
easat-6704	3	53	of	of	ADP
easat-6704	3	54	institutional	institutional	ADJ
easat-6704	3	55	quality	quality	NOUN
easat-6704	3	56	,	,	PUNCT
easat-6704	3	57	technology	technology	NOUN
easat-6704	3	58	,	,	PUNCT
easat-6704	3	59	and	and	CCONJ
easat-6704	3	60	macroeconomic	macroeconomic	ADJ
easat-6704	3	61	conditions	condition	NOUN
easat-6704	3	62	le	le	X
easat-6704	3	63	ngoc	ngoc	PROPN
easat-6704	3	64	thang1	thang1	PROPN
easat-6704	3	65	*	*	PROPN
easat-6704	3	66	,	,	PUNCT
easat-6704	3	67	kim	kim	PROPN
easat-6704	3	68	thi	thi	PROPN
easat-6704	3	69	chung	chung	PROPN
easat-6704	3	70	nguyen2	nguyen2	PROPN
easat-6704	3	71	,	,	PUNCT
easat-6704	3	72	thi	thi	PROPN
easat-6704	3	73	ho	ho	PROPN
easat-6704	3	74	huong	huong	PROPN
easat-6704	3	75	dao3	dao3	PROPN
easat-6704	3	76	,	,	PUNCT
easat-6704	3	77	quoc	quoc	PROPN
easat-6704	3	78	cuong	cuong	PROPN
easat-6704	3	79	truong4	truong4	PROPN
easat-6704	3	80	,	,	PUNCT
easat-6704	3	81	minh	minh	INTJ
easat-6704	3	82	nhat	nhat	NOUN
easat-6704	3	83	nguyen5	nguyen5	NOUN
easat-6704	3	84	1,4,5banking	1,4,5banking	NUM
easat-6704	3	85	academy	academy	PROPN
easat-6704	3	86	of	of	ADP
easat-6704	3	87	vietnam	vietnam	PROPN
easat-6704	3	88	,	,	PUNCT
easat-6704	3	89	hanoi	hanoi	PROPN
easat-6704	3	90	,	,	PUNCT
easat-6704	3	91	vietnam	vietnam	PROPN
easat-6704	3	92	;	;	PUNCT
easat-6704	3	93	thangln@hvnh.edu.vn	thangln@hvnh.edu.vn	NOUN
easat-6704	3	94	(	(	PUNCT
easat-6704	3	95	l.n.t	l.n.t	NOUN
easat-6704	3	96	.	.	PUNCT
easat-6704	3	97	)	)	PUNCT
easat-6704	4	1	cuongtq@hvnh.edu.vn	cuongtq@hvnh.edu.vn	ADJ
easat-6704	4	2	(	(	PUNCT
easat-6704	4	3	q.c.t	q.c.t	NOUN
easat-6704	4	4	.	.	PUNCT
easat-6704	4	5	)	)	PUNCT
easat-6704	5	1	minhnn@hvnh.edu.vn	minhnn@hvnh.edu.vn	NOUN
easat-6704	5	2	(	(	PUNCT
easat-6704	5	3	m.n.n	m.n.n	NOUN
easat-6704	5	4	.	.	PUNCT
easat-6704	5	5	)	)	PUNCT
easat-6704	6	1	2,3faculty	2,3faculty	NUM
easat-6704	6	2	of	of	ADP
easat-6704	6	3	finance	finance	NOUN
easat-6704	6	4	,	,	PUNCT
easat-6704	6	5	banking	banking	NOUN
easat-6704	6	6	academy	academy	PROPN
easat-6704	6	7	of	of	ADP
easat-6704	6	8	vietnam	vietnam	PROPN
easat-6704	6	9	,	,	PUNCT
easat-6704	6	10	hanoi	hanoi	PROPN
easat-6704	6	11	,	,	PUNCT
easat-6704	6	12	vietnam	vietnam	PROPN
easat-6704	6	13	;	;	PUNCT
easat-6704	6	14	chungntk@hvnh.edu.vn	chungntk@hvnh.edu.vn	PROPN
easat-6704	6	15	(	(	PUNCT
easat-6704	6	16	k.t.c.n	k.t.c.n	PROPN
easat-6704	6	17	.	.	PUNCT
easat-6704	6	18	)	)	PUNCT
easat-6704	7	1	huongdth@hvnh.edu.vn	huongdth@hvnh.edu.vn	PROPN
easat-6704	7	2	(	(	PUNCT
easat-6704	7	3	t.h.h.d	t.h.h.d	PROPN
easat-6704	7	4	.	.	PUNCT
easat-6704	7	5	)	)	PUNCT
easat-6704	8	1	abstract	abstract	NOUN
easat-6704	8	2	:	:	PUNCT
easat-6704	8	3	this	this	DET
easat-6704	8	4	study	study	NOUN
easat-6704	8	5	examines	examine	VERB
easat-6704	8	6	the	the	DET
easat-6704	8	7	key	key	ADJ
easat-6704	8	8	determinants	determinant	NOUN
easat-6704	8	9	shaping	shape	VERB
easat-6704	8	10	operational	operational	ADJ
easat-6704	8	11	sustainability	sustainability	NOUN
easat-6704	8	12	in	in	ADP
easat-6704	8	13	vietnamese	vietnamese	ADJ
easat-6704	8	14	microfinance	microfinance	NOUN
easat-6704	8	15	institutions	institution	NOUN
easat-6704	8	16	(	(	PUNCT
easat-6704	8	17	mfis	mfis	PROPN
easat-6704	8	18	)	)	PUNCT
easat-6704	8	19	,	,	PUNCT
easat-6704	8	20	which	which	PRON
easat-6704	8	21	play	play	VERB
easat-6704	8	22	a	a	DET
easat-6704	8	23	vital	vital	ADJ
easat-6704	8	24	role	role	NOUN
easat-6704	8	25	in	in	ADP
easat-6704	8	26	advancing	advance	VERB
easat-6704	8	27	financial	financial	ADJ
easat-6704	8	28	inclusion	inclusion	NOUN
easat-6704	8	29	for	for	ADP
easat-6704	8	30	marginalized	marginalize	VERB
easat-6704	8	31	populations	population	NOUN
easat-6704	8	32	.	.	PUNCT
easat-6704	9	1	a	a	DET
easat-6704	9	2	quantitative	quantitative	ADJ
easat-6704	9	3	survey	survey	NOUN
easat-6704	9	4	was	be	AUX
easat-6704	9	5	conducted	conduct	VERB
easat-6704	9	6	with	with	ADP
easat-6704	9	7	311	311	NUM
easat-6704	9	8	mfi	mfi	PROPN
easat-6704	9	9	professionals	professional	NOUN
easat-6704	9	10	,	,	PUNCT
easat-6704	9	11	including	include	VERB
easat-6704	9	12	credit	credit	NOUN
easat-6704	9	13	officers	officer	NOUN
easat-6704	9	14	,	,	PUNCT
easat-6704	9	15	compliance	compliance	NOUN
easat-6704	9	16	staff	staff	NOUN
easat-6704	9	17	,	,	PUNCT
easat-6704	9	18	and	and	CCONJ
easat-6704	9	19	middle	middle	ADJ
easat-6704	9	20	managers	manager	NOUN
easat-6704	9	21	.	.	PUNCT
easat-6704	10	1	exploratory	exploratory	ADJ
easat-6704	10	2	factor	factor	NOUN
easat-6704	10	3	analysis	analysis	NOUN
easat-6704	10	4	(	(	PUNCT
easat-6704	10	5	efa	efa	PROPN
easat-6704	10	6	)	)	PUNCT
easat-6704	10	7	validated	validate	VERB
easat-6704	10	8	the	the	DET
easat-6704	10	9	construct	construct	NOUN
easat-6704	10	10	reliability	reliability	NOUN
easat-6704	10	11	,	,	PUNCT
easat-6704	10	12	and	and	CCONJ
easat-6704	10	13	multiple	multiple	ADJ
easat-6704	10	14	regression	regression	NOUN
easat-6704	10	15	analysis	analysis	NOUN
easat-6704	10	16	was	be	AUX
easat-6704	10	17	used	use	VERB
easat-6704	10	18	to	to	PART
easat-6704	10	19	assess	assess	VERB
easat-6704	10	20	the	the	DET
easat-6704	10	21	influence	influence	NOUN
easat-6704	10	22	of	of	ADP
easat-6704	10	23	governance	governance	NOUN
easat-6704	10	24	,	,	PUNCT
easat-6704	10	25	digital	digital	ADJ
easat-6704	10	26	transformation	transformation	NOUN
easat-6704	10	27	,	,	PUNCT
easat-6704	10	28	business	business	NOUN
easat-6704	10	29	model	model	NOUN
easat-6704	10	30	diversification	diversification	NOUN
easat-6704	10	31	,	,	PUNCT
easat-6704	10	32	macroeconomic	macroeconomic	ADJ
easat-6704	10	33	conditions	condition	NOUN
easat-6704	10	34	,	,	PUNCT
easat-6704	10	35	and	and	CCONJ
easat-6704	10	36	cost	cost	NOUN
easat-6704	10	37	management	management	NOUN
easat-6704	10	38	.	.	PUNCT
easat-6704	11	1	governance	governance	NOUN
easat-6704	11	2	and	and	CCONJ
easat-6704	11	3	compliance	compliance	NOUN
easat-6704	11	4	(	(	PUNCT
easat-6704	11	5	β	β	X
easat-6704	11	6	=	=	NOUN
easat-6704	11	7	0.284	0.284	NUM
easat-6704	11	8	)	)	PUNCT
easat-6704	11	9	and	and	CCONJ
easat-6704	11	10	digital	digital	ADJ
easat-6704	11	11	transformation	transformation	NOUN
easat-6704	11	12	(	(	PUNCT
easat-6704	11	13	β	β	X
easat-6704	11	14	=	=	SYM
easat-6704	11	15	0.262	0.262	NUM
easat-6704	11	16	)	)	PUNCT
easat-6704	11	17	were	be	AUX
easat-6704	11	18	the	the	DET
easat-6704	11	19	most	most	ADV
easat-6704	11	20	significant	significant	ADJ
easat-6704	11	21	predictors	predictor	NOUN
easat-6704	11	22	of	of	ADP
easat-6704	11	23	sustainability	sustainability	NOUN
easat-6704	11	24	,	,	PUNCT
easat-6704	11	25	followed	follow	VERB
easat-6704	11	26	by	by	ADP
easat-6704	11	27	diversification	diversification	NOUN
easat-6704	11	28	(	(	PUNCT
easat-6704	11	29	β	β	X
easat-6704	11	30	=	=	PUNCT
easat-6704	11	31	0.212	0.212	NUM
easat-6704	11	32	)	)	PUNCT
easat-6704	11	33	and	and	CCONJ
easat-6704	11	34	macroeconomic	macroeconomic	ADJ
easat-6704	11	35	factors	factor	NOUN
easat-6704	11	36	(	(	PUNCT
easat-6704	11	37	β	β	X
easat-6704	11	38	=	=	PUNCT
easat-6704	11	39	0.163	0.163	NUM
easat-6704	11	40	)	)	PUNCT
easat-6704	11	41	.	.	PUNCT
easat-6704	12	1	cost	cost	NOUN
easat-6704	12	2	management	management	NOUN
easat-6704	12	3	(	(	PUNCT
easat-6704	12	4	β	β	X
easat-6704	12	5	=	=	SYM
easat-6704	12	6	-0.062	-0.062	NOUN
easat-6704	12	7	)	)	PUNCT
easat-6704	12	8	had	have	VERB
easat-6704	12	9	no	no	DET
easat-6704	12	10	significant	significant	ADJ
easat-6704	12	11	effect	effect	NOUN
easat-6704	12	12	.	.	PUNCT
easat-6704	13	1	the	the	DET
easat-6704	13	2	model	model	NOUN
easat-6704	13	3	explains	explain	VERB
easat-6704	13	4	65.9	65.9	NUM
easat-6704	13	5	%	%	NOUN
easat-6704	13	6	of	of	ADP
easat-6704	13	7	the	the	DET
easat-6704	13	8	variance	variance	NOUN
easat-6704	13	9	,	,	PUNCT
easat-6704	13	10	confirming	confirm	VERB
easat-6704	13	11	the	the	DET
easat-6704	13	12	strategic	strategic	ADJ
easat-6704	13	13	role	role	NOUN
easat-6704	13	14	of	of	ADP
easat-6704	13	15	institutional	institutional	ADJ
easat-6704	13	16	quality	quality	NOUN
easat-6704	13	17	and	and	CCONJ
easat-6704	13	18	innovation	innovation	NOUN
easat-6704	13	19	over	over	ADP
easat-6704	13	20	traditional	traditional	ADJ
easat-6704	13	21	cost	cost	NOUN
easat-6704	13	22	-	-	PUNCT
easat-6704	13	23	cutting	cut	VERB
easat-6704	13	24	approaches	approach	NOUN
easat-6704	13	25	.	.	PUNCT
easat-6704	14	1	to	to	PART
easat-6704	14	2	achieve	achieve	VERB
easat-6704	14	3	long	long	ADJ
easat-6704	14	4	-	-	PUNCT
easat-6704	14	5	term	term	NOUN
easat-6704	14	6	resilience	resilience	NOUN
easat-6704	14	7	,	,	PUNCT
easat-6704	14	8	mfis	mfis	PROPN
easat-6704	14	9	should	should	AUX
easat-6704	14	10	prioritize	prioritize	VERB
easat-6704	14	11	strengthening	strengthen	VERB
easat-6704	14	12	governance	governance	NOUN
easat-6704	14	13	structures	structure	NOUN
easat-6704	14	14	,	,	PUNCT
easat-6704	14	15	investing	invest	VERB
easat-6704	14	16	in	in	ADP
easat-6704	14	17	digital	digital	ADJ
easat-6704	14	18	capabilities	capability	NOUN
easat-6704	14	19	,	,	PUNCT
easat-6704	14	20	and	and	CCONJ
easat-6704	14	21	diversifying	diversify	VERB
easat-6704	14	22	service	service	NOUN
easat-6704	14	23	offerings	offering	NOUN
easat-6704	14	24	.	.	PUNCT
easat-6704	15	1	policymakers	policymaker	NOUN
easat-6704	15	2	and	and	CCONJ
easat-6704	15	3	development	development	NOUN
easat-6704	15	4	partners	partner	NOUN
easat-6704	15	5	are	be	AUX
easat-6704	15	6	encouraged	encourage	VERB
easat-6704	15	7	to	to	PART
easat-6704	15	8	support	support	VERB
easat-6704	15	9	enabling	enable	VERB
easat-6704	15	10	frameworks	framework	NOUN
easat-6704	15	11	that	that	PRON
easat-6704	15	12	foster	foster	VERB
easat-6704	15	13	responsible	responsible	ADJ
easat-6704	15	14	innovation	innovation	NOUN
easat-6704	15	15	and	and	CCONJ
easat-6704	15	16	institutional	institutional	ADJ
easat-6704	15	17	maturity	maturity	NOUN
easat-6704	15	18	in	in	ADP
easat-6704	15	19	the	the	DET
easat-6704	15	20	vietnamese	vietnamese	ADJ
easat-6704	15	21	microfinance	microfinance	NOUN
easat-6704	15	22	sector	sector	NOUN
easat-6704	15	23	.	.	PUNCT
easat-6704	16	1	keywords	keyword	NOUN
easat-6704	16	2	:	:	PUNCT
easat-6704	16	3	digital	digital	ADJ
easat-6704	16	4	transformation	transformation	NOUN
easat-6704	16	5	,	,	PUNCT
easat-6704	16	6	governance	governance	NOUN
easat-6704	16	7	,	,	PUNCT
easat-6704	16	8	mfis	mfis	NOUN
easat-6704	16	9	,	,	PUNCT
easat-6704	16	10	regression	regression	VERB
easat-6704	16	11	analysis	analysis	NOUN
easat-6704	16	12	,	,	PUNCT
easat-6704	16	13	sustainability	sustainability	NOUN
easat-6704	16	14	,	,	PUNCT
easat-6704	16	15	vietnam	vietnam	PROPN
easat-6704	16	16	.	.	PUNCT
easat-6704	17	1	1	1	X
easat-6704	17	2	.	.	X
easat-6704	17	3	introduction	introduction	NOUN
easat-6704	17	4	mfis	mfis	NOUN
easat-6704	17	5	have	have	AUX
easat-6704	17	6	become	become	VERB
easat-6704	17	7	pivotal	pivotal	ADJ
easat-6704	17	8	in	in	ADP
easat-6704	17	9	fostering	foster	VERB
easat-6704	17	10	financial	financial	ADJ
easat-6704	17	11	inclusion	inclusion	NOUN
easat-6704	17	12	and	and	CCONJ
easat-6704	17	13	alleviating	alleviate	VERB
easat-6704	17	14	poverty	poverty	NOUN
easat-6704	17	15	,	,	PUNCT
easat-6704	17	16	particularly	particularly	ADV
easat-6704	17	17	in	in	ADP
easat-6704	17	18	developing	develop	VERB
easat-6704	17	19	nations	nation	NOUN
easat-6704	17	20	such	such	ADJ
easat-6704	17	21	as	as	ADP
easat-6704	17	22	vietnam	vietnam	PROPN
easat-6704	17	23	.	.	PUNCT
easat-6704	18	1	in	in	ADP
easat-6704	18	2	contrast	contrast	NOUN
easat-6704	18	3	to	to	ADP
easat-6704	18	4	conventional	conventional	ADJ
easat-6704	18	5	banking	banking	NOUN
easat-6704	18	6	institutions	institution	NOUN
easat-6704	18	7	,	,	PUNCT
easat-6704	18	8	mfis	mfis	PROPN
easat-6704	18	9	are	be	AUX
easat-6704	18	10	designed	design	VERB
easat-6704	18	11	to	to	PART
easat-6704	18	12	serve	serve	VERB
easat-6704	18	13	low	low	ADJ
easat-6704	18	14	-	-	PUNCT
easat-6704	18	15	income	income	NOUN
easat-6704	18	16	populations	population	NOUN
easat-6704	18	17	,	,	PUNCT
easat-6704	18	18	informal	informal	ADJ
easat-6704	18	19	workers	worker	NOUN
easat-6704	18	20	,	,	PUNCT
easat-6704	18	21	and	and	CCONJ
easat-6704	18	22	rural	rural	ADJ
easat-6704	18	23	communities	community	NOUN
easat-6704	18	24	that	that	PRON
easat-6704	18	25	are	be	AUX
easat-6704	18	26	typically	typically	ADV
easat-6704	18	27	excluded	exclude	VERB
easat-6704	18	28	from	from	ADP
easat-6704	18	29	formal	formal	ADJ
easat-6704	18	30	financial	financial	ADJ
easat-6704	18	31	systems	system	NOUN
easat-6704	18	32	[	[	X
easat-6704	18	33	1	1	NUM
easat-6704	18	34	]	]	PUNCT
easat-6704	18	35	.	.	PUNCT
easat-6704	19	1	through	through	ADP
easat-6704	19	2	the	the	DET
easat-6704	19	3	provision	provision	NOUN
easat-6704	19	4	of	of	ADP
easat-6704	19	5	micro	micro	NOUN
easat-6704	19	6	-	-	NOUN
easat-6704	19	7	loans	loan	NOUN
easat-6704	19	8	,	,	PUNCT
easat-6704	19	9	savings	saving	NOUN
easat-6704	19	10	mechanisms	mechanism	NOUN
easat-6704	19	11	,	,	PUNCT
easat-6704	19	12	and	and	CCONJ
easat-6704	19	13	essential	essential	ADJ
easat-6704	19	14	non	non	ADJ
easat-6704	19	15	-	-	ADJ
easat-6704	19	16	financial	financial	ADJ
easat-6704	19	17	services	service	NOUN
easat-6704	19	18	—	—	PUNCT
easat-6704	19	19	including	include	VERB
easat-6704	19	20	skills	skill	NOUN
easat-6704	19	21	training	training	NOUN
easat-6704	19	22	and	and	CCONJ
easat-6704	19	23	capacity	capacity	NOUN
easat-6704	19	24	development	development	NOUN
easat-6704	19	25	—	—	PUNCT
easat-6704	19	26	mfis	mfis	PROPN
easat-6704	19	27	contribute	contribute	VERB
easat-6704	19	28	substantially	substantially	ADV
easat-6704	19	29	to	to	ADP
easat-6704	19	30	economic	economic	ADJ
easat-6704	19	31	self	self	NOUN
easat-6704	19	32	-	-	PUNCT
easat-6704	19	33	sufficiency	sufficiency	NOUN
easat-6704	19	34	and	and	CCONJ
easat-6704	19	35	social	social	ADJ
easat-6704	19	36	upliftment	upliftment	NOUN
easat-6704	19	37	.	.	PUNCT
easat-6704	20	1	vietnam	vietnam	PROPN
easat-6704	20	2	's	's	PART
easat-6704	20	3	microfinance	microfinance	NOUN
easat-6704	20	4	landscape	landscape	NOUN
easat-6704	20	5	has	have	AUX
easat-6704	20	6	evolved	evolve	VERB
easat-6704	20	7	in	in	ADP
easat-6704	20	8	response	response	NOUN
easat-6704	20	9	to	to	ADP
easat-6704	20	10	both	both	PRON
easat-6704	20	11	bottom	bottom	ADJ
easat-6704	20	12	-	-	PUNCT
easat-6704	20	13	up	up	ADP
easat-6704	20	14	demand	demand	NOUN
easat-6704	20	15	and	and	CCONJ
easat-6704	20	16	top	top	ADJ
easat-6704	20	17	-	-	PUNCT
easat-6704	20	18	down	down	ADP
easat-6704	20	19	policy	policy	NOUN
easat-6704	20	20	facilitation	facilitation	NOUN
easat-6704	20	21	.	.	PUNCT
easat-6704	21	1	the	the	DET
easat-6704	21	2	traditional	traditional	ADJ
easat-6704	21	3	banking	banking	NOUN
easat-6704	21	4	sector	sector	NOUN
easat-6704	21	5	continues	continue	VERB
easat-6704	21	6	to	to	PART
easat-6704	21	7	fall	fall	VERB
easat-6704	21	8	short	short	ADV
easat-6704	21	9	in	in	ADP
easat-6704	21	10	meeting	meet	VERB
easat-6704	21	11	the	the	DET
easat-6704	21	12	credit	credit	NOUN
easat-6704	21	13	needs	need	NOUN
easat-6704	21	14	of	of	ADP
easat-6704	21	15	vulnerable	vulnerable	ADJ
easat-6704	21	16	populations	population	NOUN
easat-6704	21	17	,	,	PUNCT
easat-6704	21	18	prompting	prompt	VERB
easat-6704	21	19	the	the	DET
easat-6704	21	20	emergence	emergence	NOUN
easat-6704	21	21	and	and	CCONJ
easat-6704	21	22	expansion	expansion	NOUN
easat-6704	21	23	of	of	ADP
easat-6704	21	24	licensed	licensed	ADJ
easat-6704	21	25	and	and	CCONJ
easat-6704	21	26	semi	semi	ADJ
easat-6704	21	27	-	-	ADJ
easat-6704	21	28	formal	formal	ADJ
easat-6704	21	29	microfinance	microfinance	NOUN
easat-6704	21	30	providers	provider	NOUN
easat-6704	21	31	[	[	X
easat-6704	21	32	2	2	NUM
easat-6704	21	33	]	]	PUNCT
easat-6704	21	34	.	.	PUNCT
easat-6704	22	1	while	while	SCONJ
easat-6704	22	2	this	this	DET
easat-6704	22	3	growth	growth	NOUN
easat-6704	22	4	has	have	AUX
easat-6704	22	5	widened	widen	VERB
easat-6704	22	6	financial	financial	ADJ
easat-6704	22	7	access	access	NOUN
easat-6704	22	8	in	in	ADP
easat-6704	22	9	rural	rural	ADJ
easat-6704	22	10	and	and	CCONJ
easat-6704	22	11	peri	peri	NOUN
easat-6704	22	12	-	-	PUNCT
easat-6704	22	13	urban	urban	ADJ
easat-6704	22	14	zones	zone	NOUN
easat-6704	22	15	,	,	PUNCT
easat-6704	22	16	it	it	PRON
easat-6704	22	17	has	have	AUX
easat-6704	22	18	also	also	ADV
easat-6704	22	19	surfaced	surface	VERB
easat-6704	22	20	enduring	enduring	ADJ
easat-6704	22	21	concerns	concern	NOUN
easat-6704	22	22	around	around	ADP
easat-6704	22	23	institutional	institutional	ADJ
easat-6704	22	24	sustainability	sustainability	NOUN
easat-6704	22	25	,	,	PUNCT
easat-6704	22	26	governance	governance	NOUN
easat-6704	22	27	efficiency	efficiency	NOUN
easat-6704	22	28	,	,	PUNCT
easat-6704	22	29	and	and	CCONJ
easat-6704	22	30	vulnerability	vulnerability	NOUN
easat-6704	22	31	to	to	ADP
easat-6704	22	32	external	external	ADJ
easat-6704	22	33	shocks	shock	NOUN
easat-6704	22	34	.	.	PUNCT
easat-6704	23	1	operating	operate	VERB
easat-6704	23	2	with	with	ADP
easat-6704	23	3	limited	limited	ADJ
easat-6704	23	4	capital	capital	NOUN
easat-6704	23	5	buffers	buffer	NOUN
easat-6704	23	6	and	and	CCONJ
easat-6704	23	7	greater	great	ADJ
easat-6704	23	8	exposure	exposure	NOUN
easat-6704	23	9	to	to	ADP
easat-6704	23	10	https://orcid.org/0009-0002-4586-2854	https://orcid.org/0009-0002-4586-2854	PROPN
easat-6704	23	11	https://orcid.org/0009-0001-9983-2792	https://orcid.org/0009-0001-9983-2792	NOUN
easat-6704	23	12	https://orcid.org/0009-0006-7114-9357	https://orcid.org/0009-0006-7114-9357	VERB
easat-6704	23	13	https://orcid.org/0009-0008-8098-2492	https://orcid.org/0009-0008-8098-2492	PROPN
easat-6704	23	14	https://orcid.org/0000-0002-0804-4329	https://orcid.org/0000-0002-0804-4329	PROPN
easat-6704	23	15	2991	2991	NUM
easat-6704	23	16	edelweiss	edelweiss	PROPN
easat-6704	23	17	applied	apply	VERB
easat-6704	23	18	science	science	NOUN
easat-6704	23	19	and	and	CCONJ
easat-6704	23	20	technology	technology	NOUN
easat-6704	23	21	issn	issn	PROPN
easat-6704	23	22	:	:	PUNCT
easat-6704	23	23	2576	2576	NUM
easat-6704	23	24	-	-	SYM
easat-6704	23	25	8484	8484	NUM
easat-6704	23	26	vol	vol	NOUN
easat-6704	23	27	.	.	PROPN
easat-6704	24	1	9	9	NUM
easat-6704	24	2	,	,	PUNCT
easat-6704	24	3	no	no	INTJ
easat-6704	24	4	.	.	NOUN
easat-6704	24	5	4	4	NUM
easat-6704	24	6	:	:	PUNCT
easat-6704	24	7	2990	2990	NUM
easat-6704	24	8	-	-	SYM
easat-6704	24	9	2999	2999	NUM
easat-6704	24	10	,	,	PUNCT
easat-6704	24	11	2025	2025	NUM
easat-6704	24	12	doi	doi	NOUN
easat-6704	24	13	:	:	PUNCT
easat-6704	24	14	10.55214/25768484.v9i4.6704	10.55214/25768484.v9i4.6704	NUM
easat-6704	24	15	©	©	ADP
easat-6704	24	16	2025	2025	NUM
easat-6704	24	17	by	by	ADP
easat-6704	24	18	the	the	DET
easat-6704	24	19	authors	author	NOUN
easat-6704	24	20	;	;	PUNCT
easat-6704	24	21	licensee	licensee	PROPN
easat-6704	24	22	learning	learn	VERB
easat-6704	24	23	gate	gate	NOUN
easat-6704	24	24	market	market	NOUN
easat-6704	24	25	volatility	volatility	NOUN
easat-6704	24	26	,	,	PUNCT
easat-6704	24	27	mfis	mfis	AUX
easat-6704	24	28	require	require	VERB
easat-6704	24	29	adaptive	adaptive	ADJ
easat-6704	24	30	governance	governance	NOUN
easat-6704	24	31	structures	structure	NOUN
easat-6704	24	32	and	and	CCONJ
easat-6704	24	33	internal	internal	ADJ
easat-6704	24	34	mechanisms	mechanism	NOUN
easat-6704	24	35	that	that	PRON
easat-6704	24	36	differ	differ	VERB
easat-6704	24	37	markedly	markedly	ADV
easat-6704	24	38	from	from	ADP
easat-6704	24	39	those	those	PRON
easat-6704	24	40	of	of	ADP
easat-6704	24	41	commercial	commercial	ADJ
easat-6704	24	42	banks	bank	NOUN
easat-6704	24	43	[	[	X
easat-6704	24	44	3	3	NUM
easat-6704	24	45	,	,	PUNCT
easat-6704	24	46	4	4	NUM
easat-6704	24	47	]	]	PUNCT
easat-6704	24	48	.	.	PUNCT
easat-6704	25	1	a	a	DET
easat-6704	25	2	central	central	ADJ
easat-6704	25	3	concern	concern	NOUN
easat-6704	25	4	in	in	ADP
easat-6704	25	5	this	this	DET
easat-6704	25	6	context	context	NOUN
easat-6704	25	7	is	be	AUX
easat-6704	25	8	operational	operational	ADJ
easat-6704	25	9	sustainability	sustainability	NOUN
easat-6704	25	10	—	—	PUNCT
easat-6704	25	11	the	the	DET
easat-6704	25	12	institution	institution	NOUN
easat-6704	25	13	's	's	PART
easat-6704	25	14	capacity	capacity	NOUN
easat-6704	25	15	to	to	PART
easat-6704	25	16	maintain	maintain	VERB
easat-6704	25	17	financial	financial	ADJ
easat-6704	25	18	health	health	NOUN
easat-6704	25	19	,	,	PUNCT
easat-6704	25	20	fulfill	fulfill	VERB
easat-6704	25	21	its	its	PRON
easat-6704	25	22	social	social	ADJ
easat-6704	25	23	mission	mission	NOUN
easat-6704	25	24	,	,	PUNCT
easat-6704	25	25	and	and	CCONJ
easat-6704	25	26	preserve	preserve	VERB
easat-6704	25	27	organizational	organizational	ADJ
easat-6704	25	28	coherence	coherence	NOUN
easat-6704	25	29	over	over	ADP
easat-6704	25	30	time	time	NOUN
easat-6704	25	31	[	[	X
easat-6704	25	32	5	5	NUM
easat-6704	25	33	]	]	PUNCT
easat-6704	25	34	.	.	PUNCT
easat-6704	26	1	numerous	numerous	ADJ
easat-6704	26	2	internal	internal	ADJ
easat-6704	26	3	and	and	CCONJ
easat-6704	26	4	external	external	ADJ
easat-6704	26	5	variables	variable	NOUN
easat-6704	26	6	influence	influence	NOUN
easat-6704	26	7	this	this	DET
easat-6704	26	8	sustainability	sustainability	NOUN
easat-6704	26	9	,	,	PUNCT
easat-6704	26	10	ranging	range	VERB
easat-6704	26	11	from	from	ADP
easat-6704	26	12	governance	governance	NOUN
easat-6704	26	13	quality	quality	NOUN
easat-6704	26	14	and	and	CCONJ
easat-6704	26	15	regulatory	regulatory	ADJ
easat-6704	26	16	compliance	compliance	NOUN
easat-6704	26	17	to	to	ADP
easat-6704	26	18	digital	digital	ADJ
easat-6704	26	19	infrastructure	infrastructure	NOUN
easat-6704	26	20	,	,	PUNCT
easat-6704	26	21	service	service	NOUN
easat-6704	26	22	diversification	diversification	NOUN
easat-6704	26	23	,	,	PUNCT
easat-6704	26	24	macroeconomic	macroeconomic	ADJ
easat-6704	26	25	context	context	NOUN
easat-6704	26	26	,	,	PUNCT
easat-6704	26	27	and	and	CCONJ
easat-6704	26	28	operational	operational	ADJ
easat-6704	26	29	cost	cost	NOUN
easat-6704	26	30	control	control	NOUN
easat-6704	27	1	[	[	X
easat-6704	27	2	6	6	NUM
easat-6704	27	3	,	,	PUNCT
easat-6704	27	4	7	7	NUM
easat-6704	27	5	]	]	PUNCT
easat-6704	27	6	.	.	PUNCT
easat-6704	28	1	effective	effective	ADJ
easat-6704	28	2	governance	governance	NOUN
easat-6704	28	3	is	be	AUX
easat-6704	28	4	particularly	particularly	ADV
easat-6704	28	5	essential	essential	ADJ
easat-6704	28	6	,	,	PUNCT
easat-6704	28	7	as	as	SCONJ
easat-6704	28	8	it	it	PRON
easat-6704	28	9	mitigates	mitigate	VERB
easat-6704	28	10	agency	agency	NOUN
easat-6704	28	11	problems	problem	NOUN
easat-6704	28	12	,	,	PUNCT
easat-6704	28	13	reinforces	reinforce	VERB
easat-6704	28	14	compliance	compliance	NOUN
easat-6704	28	15	,	,	PUNCT
easat-6704	28	16	and	and	CCONJ
easat-6704	28	17	enhances	enhance	VERB
easat-6704	28	18	stakeholder	stakeholder	NOUN
easat-6704	28	19	confidence	confidence	NOUN
easat-6704	28	20	—	—	PUNCT
easat-6704	28	21	especially	especially	ADV
easat-6704	28	22	critical	critical	ADJ
easat-6704	28	23	for	for	ADP
easat-6704	28	24	mfis	mfi	VERB
easat-6704	28	25	reliant	reliant	ADJ
easat-6704	28	26	on	on	ADP
easat-6704	28	27	concessional	concessional	ADJ
easat-6704	28	28	funding	funding	NOUN
easat-6704	28	29	or	or	CCONJ
easat-6704	28	30	donor	donor	NOUN
easat-6704	28	31	capital	capital	NOUN
easat-6704	28	32	[	[	X
easat-6704	28	33	8	8	NUM
easat-6704	28	34	]	]	PUNCT
easat-6704	28	35	.	.	PUNCT
easat-6704	29	1	moreover	moreover	ADV
easat-6704	29	2	,	,	PUNCT
easat-6704	29	3	a	a	DET
easat-6704	29	4	clear	clear	ADJ
easat-6704	29	5	and	and	CCONJ
easat-6704	29	6	transparent	transparent	ADJ
easat-6704	29	7	institutional	institutional	ADJ
easat-6704	29	8	framework	framework	NOUN
easat-6704	29	9	strengthens	strengthen	VERB
easat-6704	29	10	credit	credit	NOUN
easat-6704	29	11	risk	risk	NOUN
easat-6704	29	12	assessment	assessment	NOUN
easat-6704	29	13	capabilities	capability	NOUN
easat-6704	29	14	and	and	CCONJ
easat-6704	29	15	supports	support	VERB
easat-6704	29	16	resilience	resilience	NOUN
easat-6704	29	17	in	in	ADP
easat-6704	29	18	the	the	DET
easat-6704	29	19	face	face	NOUN
easat-6704	29	20	of	of	ADP
easat-6704	29	21	systemic	systemic	ADJ
easat-6704	29	22	uncertainties	uncertainty	NOUN
easat-6704	29	23	[	[	X
easat-6704	29	24	9	9	NUM
easat-6704	29	25	]	]	PUNCT
easat-6704	29	26	.	.	PUNCT
easat-6704	30	1	digital	digital	ADJ
easat-6704	30	2	transformation	transformation	NOUN
easat-6704	30	3	is	be	AUX
easat-6704	30	4	increasingly	increasingly	ADV
easat-6704	30	5	shaping	shape	VERB
easat-6704	30	6	the	the	DET
easat-6704	30	7	trajectory	trajectory	NOUN
easat-6704	30	8	of	of	ADP
easat-6704	30	9	mfis	mfis	PROPN
easat-6704	30	10	.	.	PUNCT
easat-6704	31	1	technological	technological	ADJ
easat-6704	31	2	adoption	adoption	NOUN
easat-6704	31	3	—	—	PUNCT
easat-6704	31	4	including	include	VERB
easat-6704	31	5	mobile	mobile	ADJ
easat-6704	31	6	finance	finance	NOUN
easat-6704	31	7	solutions	solution	NOUN
easat-6704	31	8	,	,	PUNCT
easat-6704	31	9	cloud	cloud	NOUN
easat-6704	31	10	-	-	PUNCT
easat-6704	31	11	based	base	VERB
easat-6704	31	12	tools	tool	NOUN
easat-6704	31	13	,	,	PUNCT
easat-6704	31	14	and	and	CCONJ
easat-6704	31	15	data	datum	NOUN
easat-6704	31	16	analytics	analytic	NOUN
easat-6704	31	17	—	—	PUNCT
easat-6704	31	18	enables	enable	VERB
easat-6704	31	19	institutions	institution	NOUN
easat-6704	31	20	to	to	PART
easat-6704	31	21	improve	improve	VERB
easat-6704	31	22	service	service	NOUN
easat-6704	31	23	delivery	delivery	NOUN
easat-6704	31	24	,	,	PUNCT
easat-6704	31	25	extend	extend	VERB
easat-6704	31	26	outreach	outreach	NOUN
easat-6704	31	27	,	,	PUNCT
easat-6704	31	28	and	and	CCONJ
easat-6704	31	29	refine	refine	VERB
easat-6704	31	30	operational	operational	ADJ
easat-6704	31	31	processes	process	NOUN
easat-6704	31	32	[	[	X
easat-6704	31	33	10	10	NUM
easat-6704	31	34	]	]	PUNCT
easat-6704	31	35	.	.	PUNCT
easat-6704	32	1	in	in	ADP
easat-6704	32	2	vietnam	vietnam	PROPN
easat-6704	32	3	,	,	PUNCT
easat-6704	32	4	rising	rise	VERB
easat-6704	32	5	digital	digital	ADJ
easat-6704	32	6	literacy	literacy	NOUN
easat-6704	32	7	and	and	CCONJ
easat-6704	32	8	widespread	widespread	ADJ
easat-6704	32	9	smartphone	smartphone	NOUN
easat-6704	32	10	penetration	penetration	NOUN
easat-6704	32	11	provide	provide	VERB
easat-6704	32	12	fertile	fertile	ADJ
easat-6704	32	13	ground	ground	NOUN
easat-6704	32	14	for	for	ADP
easat-6704	32	15	fintech	fintech	NOUN
easat-6704	32	16	integration	integration	NOUN
easat-6704	32	17	.	.	PUNCT
easat-6704	33	1	however	however	ADV
easat-6704	33	2	,	,	PUNCT
easat-6704	33	3	uneven	uneven	ADJ
easat-6704	33	4	infrastructure	infrastructure	NOUN
easat-6704	33	5	and	and	CCONJ
easat-6704	33	6	regional	regional	ADJ
easat-6704	33	7	disparities	disparity	NOUN
easat-6704	33	8	in	in	ADP
easat-6704	33	9	technological	technological	ADJ
easat-6704	33	10	access	access	NOUN
easat-6704	33	11	remain	remain	VERB
easat-6704	33	12	considerable	considerable	ADJ
easat-6704	33	13	barriers	barrier	NOUN
easat-6704	33	14	to	to	ADP
easat-6704	33	15	universal	universal	ADJ
easat-6704	33	16	digital	digital	ADJ
easat-6704	33	17	adoption	adoption	NOUN
easat-6704	33	18	[	[	X
easat-6704	33	19	11	11	NUM
easat-6704	33	20	]	]	PUNCT
easat-6704	33	21	.	.	PUNCT
easat-6704	34	1	at	at	ADP
easat-6704	34	2	the	the	DET
easat-6704	34	3	same	same	ADJ
easat-6704	34	4	time	time	NOUN
easat-6704	34	5	,	,	PUNCT
easat-6704	34	6	macroeconomic	macroeconomic	ADJ
easat-6704	34	7	dynamics	dynamic	NOUN
easat-6704	34	8	—	—	PUNCT
easat-6704	34	9	such	such	ADJ
easat-6704	34	10	as	as	ADP
easat-6704	34	11	inflation	inflation	NOUN
easat-6704	34	12	trends	trend	NOUN
easat-6704	34	13	,	,	PUNCT
easat-6704	34	14	interest	interest	NOUN
easat-6704	34	15	rate	rate	NOUN
easat-6704	34	16	fluctuations	fluctuation	NOUN
easat-6704	34	17	,	,	PUNCT
easat-6704	34	18	and	and	CCONJ
easat-6704	34	19	national	national	ADJ
easat-6704	34	20	economic	economic	ADJ
easat-6704	34	21	performance	performance	NOUN
easat-6704	34	22	—	—	PUNCT
easat-6704	34	23	significantly	significantly	ADV
easat-6704	34	24	affect	affect	VERB
easat-6704	34	25	both	both	DET
easat-6704	34	26	borrower	borrower	NOUN
easat-6704	34	27	solvency	solvency	NOUN
easat-6704	34	28	and	and	CCONJ
easat-6704	34	29	institutional	institutional	ADJ
easat-6704	34	30	risk	risk	NOUN
easat-6704	34	31	exposure	exposure	NOUN
easat-6704	35	1	[	[	X
easat-6704	35	2	12	12	NUM
easat-6704	35	3	,	,	PUNCT
easat-6704	35	4	13	13	NUM
easat-6704	35	5	]	]	PUNCT
easat-6704	35	6	.	.	PUNCT
easat-6704	36	1	service	service	NOUN
easat-6704	36	2	and	and	CCONJ
easat-6704	36	3	product	product	NOUN
easat-6704	36	4	diversification	diversification	NOUN
easat-6704	36	5	offers	offer	VERB
easat-6704	36	6	yet	yet	ADV
easat-6704	36	7	another	another	DET
easat-6704	36	8	strategy	strategy	NOUN
easat-6704	36	9	for	for	ADP
easat-6704	36	10	enhancing	enhance	VERB
easat-6704	36	11	sustainability	sustainability	NOUN
easat-6704	36	12	.	.	PUNCT
easat-6704	37	1	expanding	expand	VERB
easat-6704	37	2	into	into	ADP
easat-6704	37	3	areas	area	NOUN
easat-6704	37	4	such	such	ADJ
easat-6704	37	5	as	as	ADP
easat-6704	37	6	micro	micro	NOUN
easat-6704	37	7	-	-	NOUN
easat-6704	37	8	insurance	insurance	NOUN
easat-6704	37	9	,	,	PUNCT
easat-6704	37	10	savings	saving	NOUN
easat-6704	37	11	schemes	scheme	NOUN
easat-6704	37	12	,	,	PUNCT
easat-6704	37	13	or	or	CCONJ
easat-6704	37	14	business	business	NOUN
easat-6704	37	15	support	support	NOUN
easat-6704	37	16	services	service	NOUN
easat-6704	37	17	can	can	AUX
easat-6704	37	18	mitigate	mitigate	VERB
easat-6704	37	19	financial	financial	ADJ
easat-6704	37	20	risks	risk	NOUN
easat-6704	37	21	and	and	CCONJ
easat-6704	37	22	deepen	deepen	VERB
easat-6704	37	23	development	development	NOUN
easat-6704	37	24	impact	impact	NOUN
easat-6704	37	25	.	.	PUNCT
easat-6704	38	1	nevertheless	nevertheless	ADV
easat-6704	38	2	,	,	PUNCT
easat-6704	38	3	such	such	ADJ
easat-6704	38	4	initiatives	initiative	NOUN
easat-6704	38	5	demand	demand	VERB
easat-6704	38	6	cautious	cautious	ADJ
easat-6704	38	7	implementation	implementation	NOUN
easat-6704	38	8	to	to	PART
easat-6704	38	9	avoid	avoid	VERB
easat-6704	38	10	overburdening	overburden	VERB
easat-6704	38	11	institutional	institutional	ADJ
easat-6704	38	12	capacity	capacity	NOUN
easat-6704	38	13	[	[	X
easat-6704	38	14	14	14	NUM
easat-6704	38	15	]	]	PUNCT
easat-6704	38	16	.	.	PUNCT
easat-6704	39	1	despite	despite	SCONJ
easat-6704	39	2	these	these	DET
easat-6704	39	3	evolving	evolve	VERB
easat-6704	39	4	dynamics	dynamic	NOUN
easat-6704	39	5	,	,	PUNCT
easat-6704	39	6	there	there	PRON
easat-6704	39	7	remains	remain	VERB
easat-6704	39	8	a	a	DET
easat-6704	39	9	noticeable	noticeable	ADJ
easat-6704	39	10	gap	gap	NOUN
easat-6704	39	11	in	in	ADP
easat-6704	39	12	research	research	NOUN
easat-6704	39	13	that	that	PRON
easat-6704	39	14	holistically	holistically	ADV
easat-6704	39	15	investigates	investigate	VERB
easat-6704	39	16	the	the	DET
easat-6704	39	17	sustainability	sustainability	NOUN
easat-6704	39	18	of	of	ADP
easat-6704	39	19	mfis	mfis	NOUN
easat-6704	39	20	in	in	ADP
easat-6704	39	21	vietnam	vietnam	PROPN
easat-6704	39	22	.	.	PUNCT
easat-6704	40	1	most	most	ADJ
easat-6704	40	2	existing	exist	VERB
easat-6704	40	3	studies	study	NOUN
easat-6704	40	4	focus	focus	VERB
easat-6704	40	5	narrowly	narrowly	ADV
easat-6704	40	6	on	on	ADP
easat-6704	40	7	financial	financial	ADJ
easat-6704	40	8	ratios	ratio	NOUN
easat-6704	40	9	or	or	CCONJ
easat-6704	40	10	outreach	outreach	NOUN
easat-6704	40	11	statistics	statistic	NOUN
easat-6704	40	12	,	,	PUNCT
easat-6704	40	13	neglecting	neglect	VERB
easat-6704	40	14	the	the	DET
easat-6704	40	15	complex	complex	ADJ
easat-6704	40	16	interplay	interplay	NOUN
easat-6704	40	17	of	of	ADP
easat-6704	40	18	organizational	organizational	ADJ
easat-6704	40	19	,	,	PUNCT
easat-6704	40	20	technological	technological	ADJ
easat-6704	40	21	,	,	PUNCT
easat-6704	40	22	and	and	CCONJ
easat-6704	40	23	macro	macro	ADJ
easat-6704	40	24	-	-	NOUN
easat-6704	40	25	level	level	NOUN
easat-6704	40	26	factors	factor	NOUN
easat-6704	40	27	[	[	X
easat-6704	40	28	15	15	NUM
easat-6704	40	29	]	]	PUNCT
easat-6704	40	30	.	.	PUNCT
easat-6704	41	1	to	to	PART
easat-6704	41	2	address	address	VERB
easat-6704	41	3	this	this	DET
easat-6704	41	4	gap	gap	NOUN
easat-6704	41	5	,	,	PUNCT
easat-6704	41	6	the	the	DET
easat-6704	41	7	present	present	ADJ
easat-6704	41	8	study	study	NOUN
easat-6704	41	9	examines	examine	VERB
easat-6704	41	10	the	the	DET
easat-6704	41	11	combined	combine	VERB
easat-6704	41	12	influence	influence	NOUN
easat-6704	41	13	of	of	ADP
easat-6704	41	14	governance	governance	NOUN
easat-6704	41	15	practices	practice	NOUN
easat-6704	41	16	,	,	PUNCT
easat-6704	41	17	compliance	compliance	NOUN
easat-6704	41	18	frameworks	framework	NOUN
easat-6704	41	19	,	,	PUNCT
easat-6704	41	20	digital	digital	ADJ
easat-6704	41	21	transformation	transformation	NOUN
easat-6704	41	22	,	,	PUNCT
easat-6704	41	23	business	business	NOUN
easat-6704	41	24	model	model	NOUN
easat-6704	41	25	diversification	diversification	NOUN
easat-6704	41	26	,	,	PUNCT
easat-6704	41	27	cost	cost	NOUN
easat-6704	41	28	efficiency	efficiency	NOUN
easat-6704	41	29	,	,	PUNCT
easat-6704	41	30	and	and	CCONJ
easat-6704	41	31	macroeconomic	macroeconomic	ADJ
easat-6704	41	32	conditions	condition	NOUN
easat-6704	41	33	on	on	ADP
easat-6704	41	34	the	the	DET
easat-6704	41	35	operational	operational	ADJ
easat-6704	41	36	sustainability	sustainability	NOUN
easat-6704	41	37	of	of	ADP
easat-6704	41	38	vietnamese	vietnamese	PROPN
easat-6704	41	39	mfis	mfis	PROPN
easat-6704	41	40	.	.	PUNCT
easat-6704	42	1	by	by	ADP
easat-6704	42	2	situating	situate	VERB
easat-6704	42	3	these	these	DET
easat-6704	42	4	themes	theme	NOUN
easat-6704	42	5	within	within	ADP
easat-6704	42	6	both	both	CCONJ
easat-6704	42	7	global	global	ADJ
easat-6704	42	8	theoretical	theoretical	ADJ
easat-6704	42	9	models	model	NOUN
easat-6704	42	10	and	and	CCONJ
easat-6704	42	11	the	the	DET
easat-6704	42	12	unique	unique	ADJ
easat-6704	42	13	characteristics	characteristic	NOUN
easat-6704	42	14	of	of	ADP
easat-6704	42	15	vietnam	vietnam	PROPN
easat-6704	42	16	’s	’s	PART
easat-6704	42	17	microfinance	microfinance	NOUN
easat-6704	42	18	environment	environment	NOUN
easat-6704	42	19	,	,	PUNCT
easat-6704	42	20	this	this	DET
easat-6704	42	21	research	research	NOUN
easat-6704	42	22	aims	aim	VERB
easat-6704	42	23	to	to	PART
easat-6704	42	24	provide	provide	VERB
easat-6704	42	25	nuanced	nuanced	ADJ
easat-6704	42	26	insights	insight	NOUN
easat-6704	42	27	for	for	ADP
easat-6704	42	28	scholars	scholar	NOUN
easat-6704	42	29	and	and	CCONJ
easat-6704	42	30	policymakers	policymaker	NOUN
easat-6704	42	31	alike	alike	ADV
easat-6704	42	32	.	.	PUNCT
easat-6704	43	1	2	2	X
easat-6704	43	2	.	.	X
easat-6704	43	3	literature	literature	NOUN
easat-6704	43	4	review	review	PROPN
easat-6704	43	5	and	and	CCONJ
easat-6704	43	6	hypothesis	hypothesis	NOUN
easat-6704	43	7	development	development	NOUN
easat-6704	43	8	operational	operational	ADJ
easat-6704	43	9	sustainability	sustainability	NOUN
easat-6704	43	10	has	have	AUX
easat-6704	43	11	emerged	emerge	VERB
easat-6704	43	12	as	as	ADP
easat-6704	43	13	a	a	DET
easat-6704	43	14	central	central	ADJ
easat-6704	43	15	concern	concern	NOUN
easat-6704	43	16	in	in	ADP
easat-6704	43	17	microfinance	microfinance	NOUN
easat-6704	43	18	scholarship	scholarship	NOUN
easat-6704	43	19	,	,	PUNCT
easat-6704	43	20	as	as	SCONJ
easat-6704	43	21	institutions	institution	NOUN
easat-6704	43	22	worldwide	worldwide	ADV
easat-6704	43	23	grapple	grapple	VERB
easat-6704	43	24	with	with	ADP
easat-6704	43	25	the	the	DET
easat-6704	43	26	challenge	challenge	NOUN
easat-6704	43	27	of	of	ADP
easat-6704	43	28	reconciling	reconcile	VERB
easat-6704	43	29	financial	financial	ADJ
easat-6704	43	30	self	self	NOUN
easat-6704	43	31	-	-	PUNCT
easat-6704	43	32	sufficiency	sufficiency	NOUN
easat-6704	43	33	with	with	ADP
easat-6704	43	34	their	their	PRON
easat-6704	43	35	broader	broad	ADJ
easat-6704	43	36	developmental	developmental	ADJ
easat-6704	43	37	mandates	mandate	NOUN
easat-6704	43	38	.	.	PUNCT
easat-6704	44	1	as	as	SCONJ
easat-6704	44	2	mfis	mfis	NOUN
easat-6704	44	3	increasingly	increasingly	ADV
easat-6704	44	4	compete	compete	VERB
easat-6704	44	5	in	in	ADP
easat-6704	44	6	digitally	digitally	ADV
easat-6704	44	7	evolving	evolve	VERB
easat-6704	44	8	markets	market	NOUN
easat-6704	44	9	,	,	PUNCT
easat-6704	44	10	their	their	PRON
easat-6704	44	11	long	long	ADJ
easat-6704	44	12	-	-	PUNCT
easat-6704	44	13	term	term	NOUN
easat-6704	44	14	viability	viability	NOUN
easat-6704	44	15	hinges	hinge	NOUN
easat-6704	44	16	not	not	PART
easat-6704	44	17	only	only	ADV
easat-6704	44	18	on	on	ADP
easat-6704	44	19	internal	internal	ADJ
easat-6704	44	20	capabilities	capability	NOUN
easat-6704	44	21	but	but	CCONJ
easat-6704	44	22	also	also	ADV
easat-6704	44	23	on	on	ADP
easat-6704	44	24	their	their	PRON
easat-6704	44	25	responsiveness	responsiveness	NOUN
easat-6704	44	26	to	to	ADP
easat-6704	44	27	external	external	ADJ
easat-6704	44	28	economic	economic	ADJ
easat-6704	44	29	forces	force	NOUN
easat-6704	44	30	[	[	X
easat-6704	44	31	5	5	NUM
easat-6704	44	32	,	,	PUNCT
easat-6704	44	33	6	6	NUM
easat-6704	44	34	]	]	PUNCT
easat-6704	44	35	.	.	PUNCT
easat-6704	45	1	this	this	DET
easat-6704	45	2	section	section	NOUN
easat-6704	45	3	synthesizes	synthesize	VERB
easat-6704	45	4	five	five	NUM
easat-6704	45	5	prominent	prominent	ADJ
easat-6704	45	6	determinants	determinant	NOUN
easat-6704	45	7	of	of	ADP
easat-6704	45	8	sustainability	sustainability	NOUN
easat-6704	45	9	—	—	PUNCT
easat-6704	45	10	governance	governance	NOUN
easat-6704	45	11	and	and	CCONJ
easat-6704	45	12	compliance	compliance	NOUN
easat-6704	45	13	,	,	PUNCT
easat-6704	45	14	digital	digital	ADJ
easat-6704	45	15	transformation	transformation	NOUN
easat-6704	45	16	,	,	PUNCT
easat-6704	45	17	macroeconomic	macroeconomic	ADJ
easat-6704	45	18	stability	stability	NOUN
easat-6704	45	19	,	,	PUNCT
easat-6704	45	20	business	business	NOUN
easat-6704	45	21	model	model	NOUN
easat-6704	45	22	diversification	diversification	NOUN
easat-6704	45	23	,	,	PUNCT
easat-6704	45	24	and	and	CCONJ
easat-6704	45	25	cost	cost	NOUN
easat-6704	45	26	management	management	NOUN
easat-6704	45	27	—	—	PUNCT
easat-6704	45	28	and	and	CCONJ
easat-6704	45	29	develops	develop	VERB
easat-6704	45	30	corresponding	correspond	VERB
easat-6704	45	31	hypotheses	hypothesis	NOUN
easat-6704	45	32	tailored	tailor	VERB
easat-6704	45	33	to	to	ADP
easat-6704	45	34	the	the	DET
easat-6704	45	35	vietnamese	vietnamese	ADJ
easat-6704	45	36	context	context	NOUN
easat-6704	45	37	.	.	PUNCT
easat-6704	46	1	2.1	2.1	NUM
easat-6704	46	2	.	.	PUNCT
easat-6704	46	3	governance	governance	NOUN
easat-6704	46	4	and	and	CCONJ
easat-6704	46	5	compliance	compliance	NOUN
easat-6704	46	6	effective	effective	ADJ
easat-6704	46	7	governance	governance	NOUN
easat-6704	46	8	forms	form	VERB
easat-6704	46	9	the	the	DET
easat-6704	46	10	bedrock	bedrock	NOUN
easat-6704	46	11	of	of	ADP
easat-6704	46	12	institutional	institutional	ADJ
easat-6704	46	13	sustainability	sustainability	NOUN
easat-6704	46	14	,	,	PUNCT
easat-6704	46	15	particularly	particularly	ADV
easat-6704	46	16	in	in	ADP
easat-6704	46	17	emerging	emerge	VERB
easat-6704	46	18	economies	economy	NOUN
easat-6704	46	19	where	where	SCONJ
easat-6704	46	20	regulatory	regulatory	ADJ
easat-6704	46	21	infrastructures	infrastructure	NOUN
easat-6704	46	22	may	may	AUX
easat-6704	46	23	still	still	ADV
easat-6704	46	24	be	be	AUX
easat-6704	46	25	consolidating	consolidate	VERB
easat-6704	46	26	[	[	X
easat-6704	46	27	2	2	NUM
easat-6704	46	28	,	,	PUNCT
easat-6704	46	29	8	8	NUM
easat-6704	46	30	]	]	PUNCT
easat-6704	46	31	.	.	PUNCT
easat-6704	47	1	governance	governance	NOUN
easat-6704	47	2	mechanisms	mechanism	NOUN
easat-6704	47	3	help	help	VERB
easat-6704	47	4	mitigate	mitigate	VERB
easat-6704	47	5	information	information	NOUN
easat-6704	47	6	asymmetries	asymmetry	NOUN
easat-6704	47	7	,	,	PUNCT
easat-6704	47	8	enforce	enforce	VERB
easat-6704	47	9	organizational	organizational	ADJ
easat-6704	47	10	accountability	accountability	NOUN
easat-6704	47	11	,	,	PUNCT
easat-6704	47	12	and	and	CCONJ
easat-6704	47	13	uphold	uphold	VERB
easat-6704	47	14	legal	legal	ADJ
easat-6704	47	15	compliance	compliance	NOUN
easat-6704	47	16	.	.	PUNCT
easat-6704	48	1	for	for	ADP
easat-6704	48	2	mfis	mfis	NOUN
easat-6704	48	3	,	,	PUNCT
easat-6704	48	4	which	which	PRON
easat-6704	48	5	often	often	ADV
easat-6704	48	6	engage	engage	VERB
easat-6704	48	7	with	with	ADP
easat-6704	48	8	financially	financially	ADV
easat-6704	48	9	vulnerable	vulnerable	ADJ
easat-6704	48	10	populations	population	NOUN
easat-6704	48	11	and	and	CCONJ
easat-6704	48	12	face	face	VERB
easat-6704	48	13	heightened	heightened	ADJ
easat-6704	48	14	scrutiny	scrutiny	NOUN
easat-6704	48	15	regarding	regard	VERB
easat-6704	48	16	social	social	ADJ
easat-6704	48	17	performance	performance	NOUN
easat-6704	48	18	,	,	PUNCT
easat-6704	48	19	sound	sound	ADJ
easat-6704	48	20	governance	governance	NOUN
easat-6704	48	21	is	be	AUX
easat-6704	48	22	also	also	ADV
easat-6704	48	23	essential	essential	ADJ
easat-6704	48	24	for	for	ADP
easat-6704	48	25	ensuring	ensure	VERB
easat-6704	48	26	alignment	alignment	NOUN
easat-6704	48	27	between	between	ADP
easat-6704	48	28	mission	mission	NOUN
easat-6704	48	29	and	and	CCONJ
easat-6704	48	30	operations	operation	NOUN
easat-6704	48	31	.	.	PUNCT
easat-6704	49	1	empirical	empirical	ADJ
easat-6704	49	2	findings	finding	NOUN
easat-6704	49	3	suggest	suggest	VERB
easat-6704	49	4	that	that	SCONJ
easat-6704	49	5	mfis	mfi	VERB
easat-6704	49	6	with	with	ADP
easat-6704	49	7	stronger	strong	ADJ
easat-6704	49	8	governance	governance	NOUN
easat-6704	49	9	structures	structure	NOUN
easat-6704	49	10	tend	tend	VERB
easat-6704	49	11	to	to	PART
easat-6704	49	12	exhibit	exhibit	VERB
easat-6704	49	13	lower	low	ADJ
easat-6704	49	14	delinquency	delinquency	NOUN
easat-6704	49	15	rates	rate	NOUN
easat-6704	49	16	,	,	PUNCT
easat-6704	49	17	greater	great	ADJ
easat-6704	49	18	client	client	NOUN
easat-6704	49	19	retention	retention	NOUN
easat-6704	49	20	,	,	PUNCT
easat-6704	49	21	and	and	CCONJ
easat-6704	49	22	more	more	ADV
easat-6704	49	23	efficient	efficient	ADJ
easat-6704	49	24	internal	internal	ADJ
easat-6704	49	25	2992	2992	NUM
easat-6704	49	26	edelweiss	edelweiss	PROPN
easat-6704	49	27	applied	apply	VERB
easat-6704	49	28	science	science	NOUN
easat-6704	49	29	and	and	CCONJ
easat-6704	49	30	technology	technology	NOUN
easat-6704	49	31	issn	issn	PROPN
easat-6704	49	32	:	:	PUNCT
easat-6704	49	33	2576	2576	NUM
easat-6704	49	34	-	-	SYM
easat-6704	49	35	8484	8484	NUM
easat-6704	49	36	vol	vol	NOUN
easat-6704	49	37	.	.	PROPN
easat-6704	50	1	9	9	NUM
easat-6704	50	2	,	,	PUNCT
easat-6704	50	3	no	no	INTJ
easat-6704	50	4	.	.	NOUN
easat-6704	50	5	4	4	NUM
easat-6704	50	6	:	:	PUNCT
easat-6704	50	7	2990	2990	NUM
easat-6704	50	8	-	-	SYM
easat-6704	50	9	2999	2999	NUM
easat-6704	50	10	,	,	PUNCT
easat-6704	50	11	2025	2025	NUM
easat-6704	50	12	doi	doi	NOUN
easat-6704	50	13	:	:	PUNCT
easat-6704	50	14	10.55214/25768484.v9i4.6704	10.55214/25768484.v9i4.6704	NUM
easat-6704	50	15	©	©	ADP
easat-6704	50	16	2025	2025	NUM
easat-6704	50	17	by	by	ADP
easat-6704	50	18	the	the	DET
easat-6704	50	19	authors	author	NOUN
easat-6704	50	20	;	;	PUNCT
easat-6704	50	21	licensee	licensee	PROPN
easat-6704	50	22	learning	learn	VERB
easat-6704	50	23	gate	gate	NOUN
easat-6704	50	24	processes	process	NOUN
easat-6704	50	25	[	[	X
easat-6704	50	26	8	8	NUM
easat-6704	50	27	,	,	PUNCT
easat-6704	50	28	9	9	NUM
easat-6704	50	29	]	]	PUNCT
easat-6704	50	30	.	.	PUNCT
easat-6704	51	1	in	in	ADP
easat-6704	51	2	vietnam	vietnam	PROPN
easat-6704	51	3	,	,	PUNCT
easat-6704	51	4	where	where	SCONJ
easat-6704	51	5	the	the	DET
easat-6704	51	6	microfinance	microfinance	NOUN
easat-6704	51	7	sector	sector	NOUN
easat-6704	51	8	encompasses	encompass	VERB
easat-6704	51	9	both	both	DET
easat-6704	51	10	formally	formally	ADV
easat-6704	51	11	regulated	regulated	ADJ
easat-6704	51	12	and	and	CCONJ
easat-6704	51	13	semi	semi	ADJ
easat-6704	51	14	-	-	ADJ
easat-6704	51	15	formal	formal	ADJ
easat-6704	51	16	entities	entity	NOUN
easat-6704	51	17	,	,	PUNCT
easat-6704	51	18	governance	governance	NOUN
easat-6704	51	19	plays	play	VERB
easat-6704	51	20	a	a	DET
easat-6704	51	21	critical	critical	ADJ
easat-6704	51	22	role	role	NOUN
easat-6704	51	23	in	in	ADP
easat-6704	51	24	ensuring	ensure	VERB
easat-6704	51	25	institutional	institutional	ADJ
easat-6704	51	26	consistency	consistency	NOUN
easat-6704	51	27	amid	amid	ADP
easat-6704	51	28	evolving	evolve	VERB
easat-6704	51	29	policy	policy	NOUN
easat-6704	51	30	landscapes	landscape	NOUN
easat-6704	51	31	.	.	PUNCT
easat-6704	52	1	hypothesis	hypothesis	NOUN
easat-6704	52	2	1	1	NUM
easat-6704	52	3	:	:	PUNCT
easat-6704	52	4	robust	robust	ADJ
easat-6704	52	5	governance	governance	NOUN
easat-6704	52	6	and	and	CCONJ
easat-6704	52	7	compliance	compliance	NOUN
easat-6704	52	8	practices	practice	NOUN
easat-6704	52	9	(	(	PUNCT
easat-6704	52	10	gc	gc	PROPN
easat-6704	52	11	)	)	PUNCT
easat-6704	52	12	positively	positively	ADV
easat-6704	52	13	influence	influence	VERB
easat-6704	52	14	the	the	DET
easat-6704	52	15	operational	operational	ADJ
easat-6704	52	16	sustainability	sustainability	NOUN
easat-6704	52	17	of	of	ADP
easat-6704	52	18	mfis	mfis	PROPN
easat-6704	52	19	.	.	PUNCT
easat-6704	53	1	2.2	2.2	NUM
easat-6704	53	2	.	.	PUNCT
easat-6704	54	1	digital	digital	ADJ
easat-6704	54	2	transformation	transformation	NOUN
easat-6704	54	3	technological	technological	ADJ
easat-6704	54	4	innovation	innovation	NOUN
easat-6704	54	5	has	have	AUX
easat-6704	54	6	reshaped	reshape	VERB
easat-6704	54	7	the	the	DET
easat-6704	54	8	operational	operational	ADJ
easat-6704	54	9	model	model	NOUN
easat-6704	54	10	of	of	ADP
easat-6704	54	11	microfinance	microfinance	NOUN
easat-6704	54	12	,	,	PUNCT
easat-6704	54	13	enabling	enable	VERB
easat-6704	54	14	mfis	mfis	NOUN
easat-6704	54	15	to	to	PART
easat-6704	54	16	expand	expand	VERB
easat-6704	54	17	their	their	PRON
easat-6704	54	18	outreach	outreach	NOUN
easat-6704	54	19	,	,	PUNCT
easat-6704	54	20	optimize	optimize	NOUN
easat-6704	54	21	costs	cost	NOUN
easat-6704	54	22	,	,	PUNCT
easat-6704	54	23	and	and	CCONJ
easat-6704	54	24	enhance	enhance	VERB
easat-6704	54	25	service	service	NOUN
easat-6704	54	26	delivery	delivery	NOUN
easat-6704	55	1	[	[	X
easat-6704	55	2	10	10	NUM
easat-6704	55	3	]	]	PUNCT
easat-6704	55	4	.	.	PUNCT
easat-6704	56	1	tools	tool	NOUN
easat-6704	56	2	such	such	ADJ
easat-6704	56	3	as	as	ADP
easat-6704	56	4	mobile	mobile	ADJ
easat-6704	56	5	banking	banking	NOUN
easat-6704	56	6	platforms	platform	NOUN
easat-6704	56	7	,	,	PUNCT
easat-6704	56	8	automated	automate	VERB
easat-6704	56	9	credit	credit	NOUN
easat-6704	56	10	assessment	assessment	NOUN
easat-6704	56	11	systems	system	NOUN
easat-6704	56	12	,	,	PUNCT
easat-6704	56	13	and	and	CCONJ
easat-6704	56	14	cloud	cloud	NOUN
easat-6704	56	15	-	-	PUNCT
easat-6704	56	16	based	base	VERB
easat-6704	56	17	core	core	NOUN
easat-6704	56	18	banking	banking	NOUN
easat-6704	56	19	solutions	solution	NOUN
easat-6704	56	20	have	have	AUX
easat-6704	56	21	facilitated	facilitate	VERB
easat-6704	56	22	increased	increase	VERB
easat-6704	56	23	scalability	scalability	NOUN
easat-6704	56	24	and	and	CCONJ
easat-6704	56	25	client	client	NOUN
easat-6704	56	26	engagement	engagement	NOUN
easat-6704	56	27	.	.	PUNCT
easat-6704	57	1	in	in	ADP
easat-6704	57	2	vietnam	vietnam	PROPN
easat-6704	57	3	,	,	PUNCT
easat-6704	57	4	high	high	ADJ
easat-6704	57	5	mobile	mobile	ADJ
easat-6704	57	6	phone	phone	NOUN
easat-6704	57	7	penetration	penetration	NOUN
easat-6704	57	8	and	and	CCONJ
easat-6704	57	9	proactive	proactive	ADJ
easat-6704	57	10	government	government	NOUN
easat-6704	57	11	support	support	NOUN
easat-6704	57	12	for	for	ADP
easat-6704	57	13	digital	digital	ADJ
easat-6704	57	14	financial	financial	ADJ
easat-6704	57	15	services	service	NOUN
easat-6704	57	16	create	create	VERB
easat-6704	57	17	conducive	conducive	ADJ
easat-6704	57	18	conditions	condition	NOUN
easat-6704	57	19	for	for	ADP
easat-6704	57	20	fintech	fintech	NOUN
easat-6704	57	21	integration	integration	NOUN
easat-6704	57	22	in	in	ADP
easat-6704	57	23	microfinance	microfinance	NOUN
easat-6704	57	24	.	.	PUNCT
easat-6704	58	1	however	however	ADV
easat-6704	58	2	,	,	PUNCT
easat-6704	58	3	the	the	DET
easat-6704	58	4	effectiveness	effectiveness	NOUN
easat-6704	58	5	of	of	ADP
easat-6704	58	6	digital	digital	ADJ
easat-6704	58	7	adoption	adoption	NOUN
easat-6704	58	8	depends	depend	VERB
easat-6704	58	9	on	on	ADP
easat-6704	58	10	institutional	institutional	ADJ
easat-6704	58	11	readiness	readiness	NOUN
easat-6704	58	12	,	,	PUNCT
easat-6704	58	13	workforce	workforce	NOUN
easat-6704	58	14	capacity	capacity	NOUN
easat-6704	58	15	,	,	PUNCT
easat-6704	58	16	and	and	CCONJ
easat-6704	58	17	infrastructural	infrastructural	ADJ
easat-6704	58	18	adequacy	adequacy	NOUN
easat-6704	58	19	[	[	X
easat-6704	58	20	6	6	NUM
easat-6704	58	21	,	,	PUNCT
easat-6704	58	22	11	11	NUM
easat-6704	58	23	]	]	PUNCT
easat-6704	58	24	.	.	PUNCT
easat-6704	59	1	empirical	empirical	ADJ
easat-6704	59	2	research	research	NOUN
easat-6704	59	3	underscores	underscore	VERB
easat-6704	59	4	that	that	SCONJ
easat-6704	59	5	digital	digital	ADJ
easat-6704	59	6	transformation	transformation	NOUN
easat-6704	59	7	contributes	contribute	VERB
easat-6704	59	8	to	to	ADP
easat-6704	59	9	operational	operational	ADJ
easat-6704	59	10	agility	agility	NOUN
easat-6704	59	11	,	,	PUNCT
easat-6704	59	12	improved	improve	VERB
easat-6704	59	13	credit	credit	NOUN
easat-6704	59	14	processes	process	NOUN
easat-6704	59	15	,	,	PUNCT
easat-6704	59	16	and	and	CCONJ
easat-6704	59	17	heightened	heightened	ADJ
easat-6704	59	18	client	client	NOUN
easat-6704	59	19	satisfaction	satisfaction	NOUN
easat-6704	59	20	.	.	PUNCT
easat-6704	60	1	hypothesis	hypothesis	NOUN
easat-6704	60	2	2	2	NUM
easat-6704	60	3	:	:	PUNCT
easat-6704	60	4	digital	digital	ADJ
easat-6704	60	5	transformation	transformation	NOUN
easat-6704	60	6	(	(	PUNCT
easat-6704	60	7	dt	dt	NOUN
easat-6704	60	8	)	)	PUNCT
easat-6704	60	9	has	have	VERB
easat-6704	60	10	a	a	DET
easat-6704	60	11	positive	positive	ADJ
easat-6704	60	12	effect	effect	NOUN
easat-6704	60	13	on	on	ADP
easat-6704	60	14	the	the	DET
easat-6704	60	15	operational	operational	ADJ
easat-6704	60	16	sustainability	sustainability	NOUN
easat-6704	60	17	of	of	ADP
easat-6704	60	18	mfis	mfis	PROPN
easat-6704	60	19	.	.	PUNCT
easat-6704	61	1	2.3	2.3	NUM
easat-6704	61	2	.	.	PUNCT
easat-6704	62	1	macroeconomic	macroeconomic	ADJ
easat-6704	62	2	conditions	condition	NOUN
easat-6704	62	3	microfinance	microfinance	NOUN
easat-6704	62	4	institutions	institution	NOUN
easat-6704	62	5	typically	typically	ADV
easat-6704	62	6	operate	operate	VERB
easat-6704	62	7	within	within	ADP
easat-6704	62	8	socioeconomically	socioeconomically	ADV
easat-6704	62	9	fragile	fragile	ADJ
easat-6704	62	10	environments	environment	NOUN
easat-6704	62	11	,	,	PUNCT
easat-6704	62	12	where	where	SCONJ
easat-6704	62	13	borrowers	borrower	NOUN
easat-6704	62	14	are	be	AUX
easat-6704	62	15	disproportionately	disproportionately	ADV
easat-6704	62	16	affected	affect	VERB
easat-6704	62	17	by	by	ADP
easat-6704	62	18	macro	macro	ADJ
easat-6704	62	19	-	-	NOUN
easat-6704	62	20	level	level	NOUN
easat-6704	62	21	disruptions	disruption	NOUN
easat-6704	62	22	.	.	PUNCT
easat-6704	63	1	inflationary	inflationary	ADJ
easat-6704	63	2	pressures	pressure	NOUN
easat-6704	63	3	,	,	PUNCT
easat-6704	63	4	interest	interest	NOUN
easat-6704	63	5	rate	rate	NOUN
easat-6704	63	6	volatility	volatility	NOUN
easat-6704	63	7	,	,	PUNCT
easat-6704	63	8	and	and	CCONJ
easat-6704	63	9	fluctuations	fluctuation	NOUN
easat-6704	63	10	in	in	ADP
easat-6704	63	11	gdp	gdp	NOUN
easat-6704	63	12	growth	growth	NOUN
easat-6704	63	13	directly	directly	ADV
easat-6704	63	14	influence	influence	VERB
easat-6704	63	15	repayment	repayment	NOUN
easat-6704	63	16	behavior	behavior	NOUN
easat-6704	63	17	,	,	PUNCT
easat-6704	63	18	credit	credit	NOUN
easat-6704	63	19	demand	demand	NOUN
easat-6704	63	20	,	,	PUNCT
easat-6704	63	21	and	and	CCONJ
easat-6704	63	22	the	the	DET
easat-6704	63	23	quality	quality	NOUN
easat-6704	63	24	of	of	ADP
easat-6704	63	25	loan	loan	NOUN
easat-6704	63	26	portfolios	portfolio	NOUN
easat-6704	63	27	[	[	X
easat-6704	63	28	5	5	NUM
easat-6704	63	29	,	,	PUNCT
easat-6704	63	30	12	12	NUM
easat-6704	63	31	]	]	PUNCT
easat-6704	63	32	.	.	PUNCT
easat-6704	64	1	stable	stable	ADJ
easat-6704	64	2	macroeconomic	macroeconomic	ADJ
easat-6704	64	3	conditions	condition	NOUN
easat-6704	64	4	provide	provide	VERB
easat-6704	64	5	a	a	DET
easat-6704	64	6	foundation	foundation	NOUN
easat-6704	64	7	for	for	ADP
easat-6704	64	8	mfis	mfis	NOUN
easat-6704	64	9	to	to	PART
easat-6704	64	10	plan	plan	VERB
easat-6704	64	11	,	,	PUNCT
easat-6704	64	12	manage	manage	VERB
easat-6704	64	13	liquidity	liquidity	NOUN
easat-6704	64	14	,	,	PUNCT
easat-6704	64	15	and	and	CCONJ
easat-6704	64	16	safeguard	safeguard	VERB
easat-6704	64	17	portfolio	portfolio	NOUN
easat-6704	64	18	health	health	NOUN
easat-6704	64	19	.	.	PUNCT
easat-6704	65	1	conversely	conversely	ADV
easat-6704	65	2	,	,	PUNCT
easat-6704	65	3	instability	instability	NOUN
easat-6704	65	4	may	may	AUX
easat-6704	65	5	undermine	undermine	VERB
easat-6704	65	6	institutional	institutional	ADJ
easat-6704	65	7	solvency	solvency	NOUN
easat-6704	65	8	,	,	PUNCT
easat-6704	65	9	distort	distort	ADJ
easat-6704	65	10	lending	lending	NOUN
easat-6704	65	11	strategies	strategy	NOUN
easat-6704	65	12	,	,	PUNCT
easat-6704	65	13	and	and	CCONJ
easat-6704	65	14	erode	erode	PROPN
easat-6704	65	15	client	client	PROPN
easat-6704	65	16	trust	trust	PROPN
easat-6704	65	17	.	.	PUNCT
easat-6704	66	1	unlike	unlike	ADP
easat-6704	66	2	commercial	commercial	ADJ
easat-6704	66	3	banks	bank	NOUN
easat-6704	66	4	,	,	PUNCT
easat-6704	66	5	mfis	mfi	VERB
easat-6704	66	6	often	often	ADV
easat-6704	66	7	rely	rely	VERB
easat-6704	66	8	on	on	ADP
easat-6704	66	9	unsecured	unsecured	ADJ
easat-6704	66	10	lending	lending	NOUN
easat-6704	66	11	and	and	CCONJ
easat-6704	66	12	external	external	ADJ
easat-6704	66	13	funding	funding	NOUN
easat-6704	66	14	,	,	PUNCT
easat-6704	66	15	making	make	VERB
easat-6704	66	16	them	they	PRON
easat-6704	66	17	particularly	particularly	ADV
easat-6704	66	18	sensitive	sensitive	ADJ
easat-6704	66	19	to	to	ADP
easat-6704	66	20	systemic	systemic	ADJ
easat-6704	66	21	economic	economic	ADJ
easat-6704	66	22	shifts	shift	NOUN
easat-6704	66	23	.	.	PUNCT
easat-6704	67	1	hypothesis	hypothesis	NOUN
easat-6704	67	2	3	3	NUM
easat-6704	67	3	:	:	PUNCT
easat-6704	67	4	favorable	favorable	ADJ
easat-6704	67	5	macroeconomic	macroeconomic	ADJ
easat-6704	67	6	conditions	condition	NOUN
easat-6704	67	7	(	(	PUNCT
easat-6704	67	8	mf	mf	X
easat-6704	67	9	)	)	PUNCT
easat-6704	67	10	positively	positively	ADV
easat-6704	67	11	impact	impact	VERB
easat-6704	67	12	the	the	DET
easat-6704	67	13	operational	operational	ADJ
easat-6704	67	14	sustainability	sustainability	NOUN
easat-6704	67	15	of	of	ADP
easat-6704	67	16	mfis	mfis	PROPN
easat-6704	67	17	.	.	PUNCT
easat-6704	68	1	2.4	2.4	NUM
easat-6704	68	2	.	.	PUNCT
easat-6704	69	1	business	business	NOUN
easat-6704	69	2	model	model	NOUN
easat-6704	69	3	diversification	diversification	NOUN
easat-6704	69	4	diversification	diversification	NOUN
easat-6704	69	5	is	be	AUX
easat-6704	69	6	widely	widely	ADV
easat-6704	69	7	regarded	regard	VERB
easat-6704	69	8	as	as	ADP
easat-6704	69	9	a	a	DET
easat-6704	69	10	strategic	strategic	ADJ
easat-6704	69	11	lever	lever	NOUN
easat-6704	69	12	for	for	ADP
easat-6704	69	13	reducing	reduce	VERB
easat-6704	69	14	income	income	NOUN
easat-6704	69	15	volatility	volatility	NOUN
easat-6704	69	16	and	and	CCONJ
easat-6704	69	17	increasing	increase	VERB
easat-6704	69	18	institutional	institutional	ADJ
easat-6704	69	19	reach	reach	NOUN
easat-6704	69	20	.	.	PUNCT
easat-6704	70	1	by	by	ADP
easat-6704	70	2	offering	offer	VERB
easat-6704	70	3	a	a	DET
easat-6704	70	4	mix	mix	NOUN
easat-6704	70	5	of	of	ADP
easat-6704	70	6	products	product	NOUN
easat-6704	70	7	—	—	PUNCT
easat-6704	70	8	such	such	ADJ
easat-6704	70	9	as	as	ADP
easat-6704	70	10	micro	micro	NOUN
easat-6704	70	11	-	-	NOUN
easat-6704	70	12	insurance	insurance	ADJ
easat-6704	70	13	,	,	PUNCT
easat-6704	70	14	voluntary	voluntary	ADJ
easat-6704	70	15	savings	saving	NOUN
easat-6704	70	16	,	,	PUNCT
easat-6704	70	17	or	or	CCONJ
easat-6704	70	18	entrepreneurial	entrepreneurial	ADJ
easat-6704	70	19	training	training	NOUN
easat-6704	70	20	—	—	PUNCT
easat-6704	70	21	mfis	mfis	NOUN
easat-6704	70	22	can	can	AUX
easat-6704	70	23	cushion	cushion	VERB
easat-6704	70	24	revenue	revenue	NOUN
easat-6704	70	25	streams	stream	NOUN
easat-6704	70	26	and	and	CCONJ
easat-6704	70	27	respond	respond	VERB
easat-6704	70	28	to	to	ADP
easat-6704	70	29	diverse	diverse	ADJ
easat-6704	70	30	client	client	NOUN
easat-6704	70	31	needs	need	VERB
easat-6704	70	32	[	[	X
easat-6704	70	33	14	14	NUM
easat-6704	70	34	]	]	PUNCT
easat-6704	70	35	.	.	PUNCT
easat-6704	71	1	diversification	diversification	NOUN
easat-6704	71	2	also	also	ADV
easat-6704	71	3	allows	allow	VERB
easat-6704	71	4	institutions	institution	NOUN
easat-6704	71	5	to	to	PART
easat-6704	71	6	better	well	ADV
easat-6704	71	7	withstand	withstand	VERB
easat-6704	71	8	sector	sector	NOUN
easat-6704	71	9	-	-	PUNCT
easat-6704	71	10	specific	specific	ADJ
easat-6704	71	11	shocks	shock	NOUN
easat-6704	71	12	and	and	CCONJ
easat-6704	71	13	expand	expand	VERB
easat-6704	71	14	into	into	ADP
easat-6704	71	15	underserved	underserved	ADJ
easat-6704	71	16	segments	segment	NOUN
easat-6704	71	17	.	.	PUNCT
easat-6704	72	1	nonetheless	nonetheless	ADV
easat-6704	72	2	,	,	PUNCT
easat-6704	72	3	diversification	diversification	NOUN
easat-6704	72	4	strategies	strategy	NOUN
easat-6704	72	5	must	must	AUX
easat-6704	72	6	be	be	AUX
easat-6704	72	7	carefully	carefully	ADV
easat-6704	72	8	managed	manage	VERB
easat-6704	72	9	to	to	PART
easat-6704	72	10	avoid	avoid	VERB
easat-6704	72	11	overextension	overextension	NOUN
easat-6704	72	12	of	of	ADP
easat-6704	72	13	human	human	ADJ
easat-6704	72	14	and	and	CCONJ
easat-6704	72	15	financial	financial	ADJ
easat-6704	72	16	resources	resource	NOUN
easat-6704	72	17	.	.	PUNCT
easat-6704	73	1	in	in	ADP
easat-6704	73	2	vietnam	vietnam	PROPN
easat-6704	73	3	,	,	PUNCT
easat-6704	73	4	where	where	SCONJ
easat-6704	73	5	many	many	ADJ
easat-6704	73	6	mfis	mfis	NOUN
easat-6704	73	7	are	be	AUX
easat-6704	73	8	still	still	ADV
easat-6704	73	9	consolidating	consolidate	VERB
easat-6704	73	10	their	their	PRON
easat-6704	73	11	operational	operational	ADJ
easat-6704	73	12	models	model	NOUN
easat-6704	73	13	,	,	PUNCT
easat-6704	73	14	phased	phase	VERB
easat-6704	73	15	and	and	CCONJ
easat-6704	73	16	strategic	strategic	ADJ
easat-6704	73	17	diversification	diversification	NOUN
easat-6704	73	18	can	can	AUX
easat-6704	73	19	enhance	enhance	VERB
easat-6704	73	20	both	both	DET
easat-6704	73	21	mission	mission	NOUN
easat-6704	73	22	fulfillment	fulfillment	NOUN
easat-6704	73	23	and	and	CCONJ
easat-6704	73	24	long	long	ADJ
easat-6704	73	25	-	-	PUNCT
easat-6704	73	26	term	term	NOUN
easat-6704	73	27	sustainability	sustainability	NOUN
easat-6704	73	28	.	.	PUNCT
easat-6704	74	1	hypothesis	hypothesis	NOUN
easat-6704	74	2	4	4	NUM
easat-6704	74	3	:	:	PUNCT
easat-6704	74	4	business	business	NOUN
easat-6704	74	5	model	model	NOUN
easat-6704	74	6	diversification	diversification	NOUN
easat-6704	74	7	(	(	PUNCT
easat-6704	74	8	bm	bm	PROPN
easat-6704	74	9	)	)	PUNCT
easat-6704	74	10	positively	positively	ADV
easat-6704	74	11	contributes	contribute	VERB
easat-6704	74	12	to	to	ADP
easat-6704	74	13	the	the	DET
easat-6704	74	14	operational	operational	ADJ
easat-6704	74	15	sustainability	sustainability	NOUN
easat-6704	74	16	of	of	ADP
easat-6704	74	17	mfis	mfis	PROPN
easat-6704	74	18	.	.	PUNCT
easat-6704	75	1	2.5	2.5	NUM
easat-6704	75	2	.	.	PUNCT
easat-6704	76	1	cost	cost	NOUN
easat-6704	76	2	management	management	NOUN
easat-6704	76	3	cost	cost	NOUN
easat-6704	76	4	control	control	NOUN
easat-6704	76	5	remains	remain	VERB
easat-6704	76	6	a	a	DET
easat-6704	76	7	longstanding	longstanding	ADJ
easat-6704	76	8	principle	principle	NOUN
easat-6704	76	9	in	in	ADP
easat-6704	76	10	institutional	institutional	ADJ
easat-6704	76	11	sustainability	sustainability	NOUN
easat-6704	76	12	theory	theory	NOUN
easat-6704	76	13	,	,	PUNCT
easat-6704	76	14	especially	especially	ADV
easat-6704	76	15	for	for	ADP
easat-6704	76	16	mfis	mfis	NOUN
easat-6704	76	17	operating	operate	VERB
easat-6704	76	18	on	on	ADP
easat-6704	76	19	slim	slim	ADJ
easat-6704	76	20	margins	margin	NOUN
easat-6704	76	21	and	and	CCONJ
easat-6704	76	22	serving	serve	VERB
easat-6704	76	23	high	high	ADJ
easat-6704	76	24	-	-	PUNCT
easat-6704	76	25	risk	risk	NOUN
easat-6704	76	26	borrowers	borrower	NOUN
easat-6704	76	27	[	[	X
easat-6704	76	28	6	6	NUM
easat-6704	76	29	]	]	PUNCT
easat-6704	76	30	.	.	PUNCT
easat-6704	77	1	efficient	efficient	ADJ
easat-6704	77	2	cost	cost	NOUN
easat-6704	77	3	structures	structure	NOUN
easat-6704	77	4	are	be	AUX
easat-6704	77	5	traditionally	traditionally	ADV
easat-6704	77	6	associated	associate	VERB
easat-6704	77	7	with	with	ADP
easat-6704	77	8	improved	improve	VERB
easat-6704	77	9	financial	financial	ADJ
easat-6704	77	10	health	health	NOUN
easat-6704	77	11	and	and	CCONJ
easat-6704	77	12	scalability	scalability	NOUN
easat-6704	77	13	.	.	PUNCT
easat-6704	78	1	however	however	ADV
easat-6704	78	2	,	,	PUNCT
easat-6704	78	3	evolving	evolve	VERB
easat-6704	78	4	scholarship	scholarship	NOUN
easat-6704	78	5	suggests	suggest	VERB
easat-6704	78	6	that	that	SCONJ
easat-6704	78	7	in	in	ADP
easat-6704	78	8	increasingly	increasingly	ADV
easat-6704	78	9	digitalized	digitalize	VERB
easat-6704	78	10	environments	environment	NOUN
easat-6704	78	11	,	,	PUNCT
easat-6704	78	12	institutional	institutional	ADJ
easat-6704	78	13	effectiveness	effectiveness	NOUN
easat-6704	78	14	may	may	AUX
easat-6704	78	15	hinge	hinge	VERB
easat-6704	78	16	more	more	ADV
easat-6704	78	17	on	on	ADP
easat-6704	78	18	innovation	innovation	NOUN
easat-6704	78	19	,	,	PUNCT
easat-6704	78	20	service	service	NOUN
easat-6704	78	21	quality	quality	NOUN
easat-6704	78	22	,	,	PUNCT
easat-6704	78	23	and	and	CCONJ
easat-6704	78	24	staff	staff	NOUN
easat-6704	78	25	development	development	NOUN
easat-6704	78	26	than	than	ADP
easat-6704	78	27	on	on	ADP
easat-6704	78	28	aggressive	aggressive	ADJ
easat-6704	78	29	cost	cost	NOUN
easat-6704	78	30	-	-	PUNCT
easat-6704	78	31	cutting	cutting	NOUN
easat-6704	78	32	.	.	PUNCT
easat-6704	79	1	indeed	indeed	ADV
easat-6704	79	2	,	,	PUNCT
easat-6704	79	3	excessive	excessive	ADJ
easat-6704	79	4	emphasis	emphasis	NOUN
easat-6704	79	5	on	on	ADP
easat-6704	79	6	cost	cost	NOUN
easat-6704	79	7	reduction	reduction	NOUN
easat-6704	79	8	can	can	AUX
easat-6704	79	9	undermine	undermine	VERB
easat-6704	79	10	service	service	NOUN
easat-6704	79	11	delivery	delivery	NOUN
easat-6704	79	12	or	or	CCONJ
easat-6704	79	13	compromise	compromise	VERB
easat-6704	79	14	social	social	ADJ
easat-6704	79	15	impact	impact	NOUN
easat-6704	79	16	goals	goal	NOUN
easat-6704	79	17	.	.	PUNCT
easat-6704	80	1	2993	2993	NUM
easat-6704	80	2	edelweiss	edelweiss	PROPN
easat-6704	80	3	applied	apply	VERB
easat-6704	80	4	science	science	NOUN
easat-6704	80	5	and	and	CCONJ
easat-6704	80	6	technology	technology	NOUN
easat-6704	80	7	issn	issn	PROPN
easat-6704	80	8	:	:	PUNCT
easat-6704	80	9	2576	2576	NUM
easat-6704	80	10	-	-	SYM
easat-6704	80	11	8484	8484	NUM
easat-6704	80	12	vol	vol	NOUN
easat-6704	80	13	.	.	PROPN
easat-6704	81	1	9	9	NUM
easat-6704	81	2	,	,	PUNCT
easat-6704	81	3	no	no	INTJ
easat-6704	81	4	.	.	NOUN
easat-6704	81	5	4	4	NUM
easat-6704	81	6	:	:	PUNCT
easat-6704	81	7	2990	2990	NUM
easat-6704	81	8	-	-	SYM
easat-6704	81	9	2999	2999	NUM
easat-6704	81	10	,	,	PUNCT
easat-6704	81	11	2025	2025	NUM
easat-6704	81	12	doi	doi	NOUN
easat-6704	81	13	:	:	PUNCT
easat-6704	81	14	10.55214/25768484.v9i4.6704	10.55214/25768484.v9i4.6704	NUM
easat-6704	81	15	©	©	ADP
easat-6704	81	16	2025	2025	NUM
easat-6704	81	17	by	by	ADP
easat-6704	81	18	the	the	DET
easat-6704	81	19	authors	author	NOUN
easat-6704	81	20	;	;	PUNCT
easat-6704	81	21	licensee	licensee	PROPN
easat-6704	81	22	learning	learn	VERB
easat-6704	81	23	gate	gate	VERB
easat-6704	81	24	empirical	empirical	ADJ
easat-6704	81	25	findings	finding	NOUN
easat-6704	81	26	on	on	ADP
easat-6704	81	27	the	the	DET
easat-6704	81	28	relationship	relationship	NOUN
easat-6704	81	29	between	between	ADP
easat-6704	81	30	cost	cost	NOUN
easat-6704	81	31	management	management	NOUN
easat-6704	81	32	and	and	CCONJ
easat-6704	81	33	sustainability	sustainability	NOUN
easat-6704	81	34	are	be	AUX
easat-6704	81	35	mixed	mixed	ADJ
easat-6704	81	36	,	,	PUNCT
easat-6704	81	37	reflecting	reflect	VERB
easat-6704	81	38	a	a	DET
easat-6704	81	39	broader	broad	ADJ
easat-6704	81	40	shift	shift	NOUN
easat-6704	81	41	toward	toward	ADP
easat-6704	81	42	a	a	DET
easat-6704	81	43	more	more	ADV
easat-6704	81	44	nuanced	nuanced	ADJ
easat-6704	81	45	understanding	understanding	NOUN
easat-6704	81	46	of	of	ADP
easat-6704	81	47	value	value	NOUN
easat-6704	81	48	creation	creation	NOUN
easat-6704	81	49	in	in	ADP
easat-6704	81	50	microfinance	microfinance	NOUN
easat-6704	81	51	[	[	X
easat-6704	81	52	7	7	NUM
easat-6704	81	53	]	]	PUNCT
easat-6704	81	54	.	.	PUNCT
easat-6704	82	1	hypothesis	hypothesis	NOUN
easat-6704	82	2	5	5	NUM
easat-6704	82	3	:	:	PUNCT
easat-6704	82	4	cost	cost	NOUN
easat-6704	82	5	management	management	NOUN
easat-6704	82	6	(	(	PUNCT
easat-6704	82	7	cm	cm	NOUN
easat-6704	82	8	)	)	PUNCT
easat-6704	82	9	has	have	VERB
easat-6704	82	10	a	a	DET
easat-6704	82	11	limited	limited	ADJ
easat-6704	82	12	or	or	CCONJ
easat-6704	82	13	marginal	marginal	ADJ
easat-6704	82	14	influence	influence	NOUN
easat-6704	82	15	on	on	ADP
easat-6704	82	16	the	the	DET
easat-6704	82	17	operational	operational	ADJ
easat-6704	82	18	sustainability	sustainability	NOUN
easat-6704	82	19	of	of	ADP
easat-6704	82	20	mfis	mfis	PROPN
easat-6704	82	21	.	.	PUNCT
easat-6704	83	1	3	3	X
easat-6704	83	2	.	.	X
easat-6704	83	3	methodology	methodology	NOUN
easat-6704	83	4	3.1	3.1	NUM
easat-6704	83	5	.	.	PUNCT
easat-6704	84	1	research	research	NOUN
easat-6704	84	2	design	design	NOUN
easat-6704	84	3	this	this	DET
easat-6704	84	4	study	study	NOUN
easat-6704	84	5	adopts	adopt	VERB
easat-6704	84	6	a	a	DET
easat-6704	84	7	quantitative	quantitative	ADJ
easat-6704	84	8	research	research	NOUN
easat-6704	84	9	approach	approach	NOUN
easat-6704	84	10	to	to	PART
easat-6704	84	11	examine	examine	VERB
easat-6704	84	12	the	the	DET
easat-6704	84	13	key	key	ADJ
easat-6704	84	14	determinants	determinant	NOUN
easat-6704	84	15	influencing	influence	VERB
easat-6704	84	16	the	the	DET
easat-6704	84	17	operational	operational	ADJ
easat-6704	84	18	sustainability	sustainability	NOUN
easat-6704	84	19	of	of	ADP
easat-6704	84	20	vietnamese	vietnamese	ADJ
easat-6704	84	21	microfinance	microfinance	NOUN
easat-6704	84	22	institutions	institution	NOUN
easat-6704	84	23	(	(	PUNCT
easat-6704	84	24	mfis	mfis	PROPN
easat-6704	84	25	)	)	PUNCT
easat-6704	84	26	.	.	PUNCT
easat-6704	85	1	building	build	VERB
easat-6704	85	2	existing	exist	VERB
easat-6704	85	3	theoretical	theoretical	ADJ
easat-6704	85	4	frameworks	framework	NOUN
easat-6704	85	5	from	from	ADP
easat-6704	85	6	international	international	ADJ
easat-6704	85	7	and	and	CCONJ
easat-6704	85	8	domestic	domestic	ADJ
easat-6704	85	9	literature	literature	NOUN
easat-6704	85	10	,	,	PUNCT
easat-6704	85	11	the	the	DET
easat-6704	85	12	research	research	NOUN
easat-6704	85	13	develops	develop	VERB
easat-6704	85	14	a	a	DET
easat-6704	85	15	causal	causal	ADJ
easat-6704	85	16	model	model	NOUN
easat-6704	85	17	comprising	comprise	VERB
easat-6704	85	18	five	five	NUM
easat-6704	85	19	independent	independent	ADJ
easat-6704	85	20	variables	variable	NOUN
easat-6704	85	21	:	:	PUNCT
easat-6704	85	22	governance	governance	NOUN
easat-6704	85	23	and	and	CCONJ
easat-6704	85	24	compliance	compliance	NOUN
easat-6704	85	25	(	(	PUNCT
easat-6704	85	26	gc	gc	PROPN
easat-6704	85	27	)	)	PUNCT
easat-6704	85	28	,	,	PUNCT
easat-6704	85	29	digital	digital	ADJ
easat-6704	85	30	transformation	transformation	NOUN
easat-6704	85	31	(	(	PUNCT
easat-6704	85	32	dt	dt	PROPN
easat-6704	85	33	)	)	PUNCT
easat-6704	85	34	,	,	PUNCT
easat-6704	85	35	business	business	NOUN
easat-6704	85	36	model	model	NOUN
easat-6704	85	37	diversification	diversification	NOUN
easat-6704	85	38	(	(	PUNCT
easat-6704	85	39	bm	bm	PROPN
easat-6704	85	40	)	)	PUNCT
easat-6704	85	41	,	,	PUNCT
easat-6704	85	42	macroeconomic	macroeconomic	ADJ
easat-6704	85	43	conditions	condition	NOUN
easat-6704	85	44	(	(	PUNCT
easat-6704	85	45	mf	mf	NOUN
easat-6704	85	46	)	)	PUNCT
easat-6704	85	47	,	,	PUNCT
easat-6704	85	48	and	and	CCONJ
easat-6704	85	49	cost	cost	NOUN
easat-6704	85	50	management	management	NOUN
easat-6704	85	51	(	(	PUNCT
easat-6704	85	52	cm	cm	NOUN
easat-6704	85	53	)	)	PUNCT
easat-6704	85	54	.	.	PUNCT
easat-6704	86	1	the	the	DET
easat-6704	86	2	dependent	dependent	ADJ
easat-6704	86	3	variable	variable	NOUN
easat-6704	86	4	represents	represent	VERB
easat-6704	86	5	the	the	DET
easat-6704	86	6	perceived	perceive	VERB
easat-6704	86	7	operational	operational	ADJ
easat-6704	86	8	sustainability	sustainability	NOUN
easat-6704	86	9	(	(	PUNCT
easat-6704	86	10	os	os	NOUN
easat-6704	86	11	)	)	PUNCT
easat-6704	86	12	of	of	ADP
easat-6704	86	13	mfis	mfis	PROPN
easat-6704	86	14	,	,	PUNCT
easat-6704	86	15	which	which	PRON
easat-6704	86	16	encompasses	encompass	VERB
easat-6704	86	17	their	their	PRON
easat-6704	86	18	financial	financial	ADJ
easat-6704	86	19	viability	viability	NOUN
easat-6704	86	20	,	,	PUNCT
easat-6704	86	21	institutional	institutional	ADJ
easat-6704	86	22	resilience	resilience	NOUN
easat-6704	86	23	,	,	PUNCT
easat-6704	86	24	and	and	CCONJ
easat-6704	86	25	ability	ability	NOUN
easat-6704	86	26	to	to	PART
easat-6704	86	27	deliver	deliver	VERB
easat-6704	86	28	long	long	ADJ
easat-6704	86	29	-	-	PUNCT
easat-6704	86	30	term	term	NOUN
easat-6704	86	31	value	value	NOUN
easat-6704	86	32	to	to	ADP
easat-6704	86	33	underserved	underserved	ADJ
easat-6704	86	34	clients	client	NOUN
easat-6704	86	35	.	.	PUNCT
easat-6704	87	1	the	the	DET
easat-6704	87	2	empirical	empirical	ADJ
easat-6704	87	3	model	model	NOUN
easat-6704	87	4	used	use	VERB
easat-6704	87	5	for	for	ADP
easat-6704	87	6	hypothesis	hypothesis	NOUN
easat-6704	87	7	testing	testing	NOUN
easat-6704	87	8	is	be	AUX
easat-6704	87	9	expressed	express	VERB
easat-6704	87	10	as	as	ADP
easat-6704	87	11	:	:	PUNCT
easat-6704	87	12	𝑇𝑉	𝑇𝑉	PROPN
easat-6704	87	13	=	=	SYM
easat-6704	87	14	𝛽0	𝛽0	PROPN
easat-6704	87	15	+	+	CCONJ
easat-6704	87	16	𝛽1𝐶𝑀	𝛽1𝐶𝑀	ADJ
easat-6704	87	17	+	+	CCONJ
easat-6704	87	18	𝛽2𝐵𝑀	𝛽2𝐵𝑀	ADJ
easat-6704	87	19	+	+	CCONJ
easat-6704	87	20	𝛽3𝐷𝑇	𝛽3𝐷𝑇	NOUN
easat-6704	87	21	+	+	CCONJ
easat-6704	87	22	𝛽4𝑀𝐹	𝛽4𝑀𝐹	VERB
easat-6704	87	23	+	+	CCONJ
easat-6704	87	24	𝛽1𝐺𝐶	𝛽1𝐺𝐶	NOUN
easat-6704	87	25	+	+	CCONJ
easat-6704	87	26	𝜀	𝜀	X
easat-6704	87	27	where	where	SCONJ
easat-6704	87	28	:	:	PUNCT
easat-6704	87	29	os	os	ADJ
easat-6704	87	30	:	:	PUNCT
easat-6704	87	31	operational	operational	ADJ
easat-6704	87	32	sustainability	sustainability	NOUN
easat-6704	87	33	of	of	ADP
easat-6704	87	34	nbfis	nbfis	NOUN
easat-6704	87	35	;	;	PUNCT
easat-6704	87	36	cm	cm	NUM
easat-6704	87	37	:	:	PUNCT
easat-6704	87	38	cost	cost	NOUN
easat-6704	87	39	management	management	NOUN
easat-6704	87	40	;	;	PUNCT
easat-6704	87	41	bm	bm	PROPN
easat-6704	87	42	:	:	PUNCT
easat-6704	87	43	business	business	NOUN
easat-6704	87	44	model	model	NOUN
easat-6704	87	45	diversification	diversification	NOUN
easat-6704	87	46	;	;	PUNCT
easat-6704	87	47	dt	dt	ADJ
easat-6704	87	48	:	:	PUNCT
easat-6704	87	49	digital	digital	ADJ
easat-6704	87	50	transformation	transformation	NOUN
easat-6704	87	51	;	;	PUNCT
easat-6704	87	52	mf	mf	NOUN
easat-6704	87	53	:	:	PUNCT
easat-6704	87	54	macroeconomic	macroeconomic	ADJ
easat-6704	87	55	conditions	condition	NOUN
easat-6704	87	56	;	;	PUNCT
easat-6704	87	57	gc	gc	PROPN
easat-6704	87	58	:	:	PUNCT
easat-6704	87	59	governance	governance	NOUN
easat-6704	87	60	and	and	CCONJ
easat-6704	87	61	compliance	compliance	NOUN
easat-6704	87	62	;	;	PUNCT
easat-6704	87	63	ε	ε	PROPN
easat-6704	87	64	:	:	PUNCT
easat-6704	87	65	error	error	NOUN
easat-6704	87	66	term	term	NOUN
easat-6704	87	67	.	.	PUNCT
easat-6704	88	1	3.2	3.2	NUM
easat-6704	88	2	.	.	PUNCT
easat-6704	89	1	data	datum	NOUN
easat-6704	89	2	collection	collection	NOUN
easat-6704	89	3	primary	primary	ADJ
easat-6704	89	4	data	datum	NOUN
easat-6704	89	5	for	for	ADP
easat-6704	89	6	this	this	DET
easat-6704	89	7	study	study	NOUN
easat-6704	89	8	were	be	AUX
easat-6704	89	9	collected	collect	VERB
easat-6704	89	10	using	use	VERB
easat-6704	89	11	a	a	DET
easat-6704	89	12	structured	structured	ADJ
easat-6704	89	13	survey	survey	NOUN
easat-6704	89	14	questionnaire	questionnaire	NOUN
easat-6704	89	15	administered	administer	VERB
easat-6704	89	16	to	to	ADP
easat-6704	89	17	managerial	managerial	ADJ
easat-6704	89	18	and	and	CCONJ
easat-6704	89	19	operational	operational	ADJ
easat-6704	89	20	staff	staff	NOUN
easat-6704	89	21	working	work	VERB
easat-6704	89	22	in	in	ADP
easat-6704	89	23	vietnamese	vietnamese	ADJ
easat-6704	89	24	microfinance	microfinance	NOUN
easat-6704	89	25	institutions	institution	NOUN
easat-6704	89	26	(	(	PUNCT
easat-6704	89	27	mfis	mfis	PROPN
easat-6704	89	28	)	)	PUNCT
easat-6704	89	29	between	between	ADP
easat-6704	89	30	november	november	PROPN
easat-6704	89	31	2023	2023	NUM
easat-6704	89	32	and	and	CCONJ
easat-6704	89	33	march	march	PROPN
easat-6704	89	34	2024	2024	NUM
easat-6704	89	35	.	.	PUNCT
easat-6704	90	1	the	the	DET
easat-6704	90	2	sample	sample	NOUN
easat-6704	90	3	was	be	AUX
easat-6704	90	4	selected	select	VERB
easat-6704	90	5	using	use	VERB
easat-6704	90	6	purposive	purposive	ADJ
easat-6704	90	7	sampling	sampling	NOUN
easat-6704	90	8	,	,	PUNCT
easat-6704	90	9	targeting	target	VERB
easat-6704	90	10	respondents	respondent	NOUN
easat-6704	90	11	with	with	ADP
easat-6704	90	12	direct	direct	ADJ
easat-6704	90	13	involvement	involvement	NOUN
easat-6704	90	14	in	in	ADP
easat-6704	90	15	strategy	strategy	NOUN
easat-6704	90	16	,	,	PUNCT
easat-6704	90	17	operations	operation	NOUN
easat-6704	90	18	,	,	PUNCT
easat-6704	90	19	credit	credit	NOUN
easat-6704	90	20	management	management	NOUN
easat-6704	90	21	,	,	PUNCT
easat-6704	90	22	or	or	CCONJ
easat-6704	90	23	compliance	compliance	NOUN
easat-6704	90	24	functions	function	NOUN
easat-6704	90	25	.	.	PUNCT
easat-6704	91	1	this	this	DET
easat-6704	91	2	approach	approach	NOUN
easat-6704	91	3	ensured	ensure	VERB
easat-6704	91	4	that	that	SCONJ
easat-6704	91	5	the	the	DET
easat-6704	91	6	data	datum	NOUN
easat-6704	91	7	reflect	reflect	VERB
easat-6704	91	8	informed	inform	VERB
easat-6704	91	9	perspectives	perspective	NOUN
easat-6704	91	10	on	on	ADP
easat-6704	91	11	institutional	institutional	ADJ
easat-6704	91	12	sustainability	sustainability	NOUN
easat-6704	91	13	within	within	ADP
easat-6704	91	14	the	the	DET
easat-6704	91	15	microfinance	microfinance	NOUN
easat-6704	91	16	context	context	NOUN
easat-6704	91	17	.	.	PUNCT
easat-6704	92	1	out	out	ADP
easat-6704	92	2	of	of	ADP
easat-6704	92	3	355	355	NUM
easat-6704	92	4	distributed	distribute	VERB
easat-6704	92	5	questionnaires	questionnaire	NOUN
easat-6704	92	6	,	,	PUNCT
easat-6704	92	7	311	311	NUM
easat-6704	92	8	valid	valid	ADJ
easat-6704	92	9	responses	response	NOUN
easat-6704	92	10	were	be	AUX
easat-6704	92	11	retained	retain	VERB
easat-6704	92	12	for	for	ADP
easat-6704	92	13	analysis	analysis	NOUN
easat-6704	92	14	,	,	PUNCT
easat-6704	92	15	representing	represent	VERB
easat-6704	92	16	an	an	DET
easat-6704	92	17	effective	effective	ADJ
easat-6704	92	18	response	response	NOUN
easat-6704	92	19	rate	rate	NOUN
easat-6704	92	20	of	of	ADP
easat-6704	92	21	87.6	87.6	NUM
easat-6704	92	22	%	%	NOUN
easat-6704	92	23	.	.	PUNCT
easat-6704	93	1	this	this	DET
easat-6704	93	2	sample	sample	NOUN
easat-6704	93	3	size	size	NOUN
easat-6704	93	4	satisfies	satisfie	NOUN
easat-6704	93	5	recommended	recommend	VERB
easat-6704	93	6	thresholds	threshold	NOUN
easat-6704	93	7	for	for	ADP
easat-6704	93	8	quantitative	quantitative	ADJ
easat-6704	93	9	analysis	analysis	NOUN
easat-6704	93	10	,	,	PUNCT
easat-6704	93	11	particularly	particularly	ADV
easat-6704	93	12	those	those	PRON
easat-6704	93	13	outlined	outline	VERB
easat-6704	93	14	by	by	ADP
easat-6704	93	15	bollen	bollen	PROPN
easat-6704	93	16	[	[	X
easat-6704	93	17	16	16	NUM
easat-6704	93	18	]	]	PUNCT
easat-6704	93	19	and	and	CCONJ
easat-6704	93	20	hair	hair	NOUN
easat-6704	93	21	,	,	PUNCT
easat-6704	93	22	et	et	PROPN
easat-6704	93	23	al	al	PROPN
easat-6704	93	24	.	.	PUNCT
easat-6704	94	1	[	[	X
easat-6704	94	2	17	17	NUM
easat-6704	94	3	]	]	PUNCT
easat-6704	94	4	which	which	PRON
easat-6704	94	5	suggest	suggest	VERB
easat-6704	94	6	a	a	DET
easat-6704	94	7	minimum	minimum	NOUN
easat-6704	94	8	of	of	ADP
easat-6704	94	9	five	five	NUM
easat-6704	94	10	respondents	respondent	NOUN
easat-6704	94	11	per	per	ADP
easat-6704	94	12	indicator	indicator	NOUN
easat-6704	94	13	variable	variable	NOUN
easat-6704	94	14	and	and	CCONJ
easat-6704	94	15	at	at	ADV
easat-6704	94	16	least	least	ADV
easat-6704	94	17	200	200	NUM
easat-6704	94	18	observations	observation	NOUN
easat-6704	94	19	for	for	ADP
easat-6704	94	20	multivariate	multivariate	NOUN
easat-6704	94	21	regression	regression	NOUN
easat-6704	94	22	analysis	analysis	NOUN
easat-6704	94	23	.	.	PUNCT
easat-6704	95	1	the	the	DET
easat-6704	95	2	questionnaire	questionnaire	NOUN
easat-6704	95	3	design	design	NOUN
easat-6704	95	4	was	be	AUX
easat-6704	95	5	based	base	VERB
easat-6704	95	6	on	on	ADP
easat-6704	95	7	established	establish	VERB
easat-6704	95	8	measurement	measurement	NOUN
easat-6704	95	9	constructs	construct	NOUN
easat-6704	95	10	adopted	adopt	VERB
easat-6704	95	11	from	from	ADP
easat-6704	95	12	prior	prior	ADJ
easat-6704	95	13	studies	study	NOUN
easat-6704	95	14	on	on	ADP
easat-6704	95	15	financial	financial	ADJ
easat-6704	95	16	institutions	institution	NOUN
easat-6704	95	17	[	[	X
easat-6704	95	18	6	6	NUM
easat-6704	95	19	,	,	PUNCT
easat-6704	95	20	8	8	NUM
easat-6704	95	21	,	,	PUNCT
easat-6704	95	22	14	14	NUM
easat-6704	95	23	]	]	PUNCT
easat-6704	95	24	and	and	CCONJ
easat-6704	95	25	adapted	adapt	VERB
easat-6704	95	26	to	to	ADP
easat-6704	95	27	vietnam	vietnam	PROPN
easat-6704	95	28	’s	’s	PART
easat-6704	95	29	microfinance	microfinance	NOUN
easat-6704	95	30	landscape	landscape	NOUN
easat-6704	95	31	.	.	PUNCT
easat-6704	96	1	each	each	DET
easat-6704	96	2	variable	variable	NOUN
easat-6704	96	3	was	be	AUX
easat-6704	96	4	measured	measure	VERB
easat-6704	96	5	using	use	VERB
easat-6704	96	6	multiple	multiple	ADJ
easat-6704	96	7	items	item	NOUN
easat-6704	96	8	on	on	ADP
easat-6704	96	9	a	a	DET
easat-6704	96	10	five	five	NUM
easat-6704	96	11	-	-	PUNCT
easat-6704	96	12	point	point	NOUN
easat-6704	96	13	likert	likert	ADJ
easat-6704	96	14	scale	scale	NOUN
easat-6704	96	15	,	,	PUNCT
easat-6704	96	16	ranging	range	VERB
easat-6704	96	17	from	from	ADP
easat-6704	96	18	1	1	NUM
easat-6704	96	19	(	(	PUNCT
easat-6704	96	20	"	"	PUNCT
easat-6704	96	21	strongly	strongly	ADV
easat-6704	96	22	disagree	disagree	VERB
easat-6704	96	23	"	"	PUNCT
easat-6704	96	24	)	)	PUNCT
easat-6704	96	25	to	to	ADP
easat-6704	96	26	5	5	NUM
easat-6704	96	27	(	(	PUNCT
easat-6704	96	28	"	"	PUNCT
easat-6704	96	29	strongly	strongly	ADV
easat-6704	96	30	agree	agree	VERB
easat-6704	96	31	"	"	PUNCT
easat-6704	96	32	)	)	PUNCT
easat-6704	96	33	.	.	PUNCT
easat-6704	97	1	a	a	DET
easat-6704	97	2	pilot	pilot	NOUN
easat-6704	97	3	test	test	NOUN
easat-6704	97	4	was	be	AUX
easat-6704	97	5	conducted	conduct	VERB
easat-6704	97	6	with	with	ADP
easat-6704	97	7	25	25	NUM
easat-6704	97	8	mfi	mfi	PROPN
easat-6704	97	9	staff	staff	NOUN
easat-6704	97	10	to	to	PART
easat-6704	97	11	ensure	ensure	VERB
easat-6704	97	12	language	language	NOUN
easat-6704	97	13	clarity	clarity	NOUN
easat-6704	97	14	,	,	PUNCT
easat-6704	97	15	item	item	NOUN
easat-6704	97	16	reliability	reliability	NOUN
easat-6704	97	17	,	,	PUNCT
easat-6704	97	18	and	and	CCONJ
easat-6704	97	19	contextual	contextual	ADJ
easat-6704	97	20	appropriateness	appropriateness	NOUN
easat-6704	97	21	before	before	ADP
easat-6704	97	22	the	the	DET
easat-6704	97	23	full	full	ADJ
easat-6704	97	24	-	-	PUNCT
easat-6704	97	25	scale	scale	NOUN
easat-6704	97	26	rollout	rollout	NOUN
easat-6704	97	27	.	.	PUNCT
easat-6704	98	1	4	4	X
easat-6704	98	2	.	.	X
easat-6704	98	3	empirical	empirical	ADJ
easat-6704	98	4	results	result	NOUN
easat-6704	98	5	4.1	4.1	NUM
easat-6704	98	6	.	.	PUNCT
easat-6704	99	1	survey	survey	NOUN
easat-6704	99	2	sample	sample	NOUN
easat-6704	99	3	characteristics	characteristic	NOUN
easat-6704	99	4	the	the	DET
easat-6704	99	5	311	311	NUM
easat-6704	99	6	valid	valid	ADJ
easat-6704	99	7	responses	response	NOUN
easat-6704	99	8	obtained	obtain	VERB
easat-6704	99	9	reflect	reflect	VERB
easat-6704	99	10	a	a	DET
easat-6704	99	11	diverse	diverse	ADJ
easat-6704	99	12	and	and	CCONJ
easat-6704	99	13	representative	representative	ADJ
easat-6704	99	14	cross	cross	NOUN
easat-6704	99	15	-	-	NOUN
easat-6704	99	16	section	section	NOUN
easat-6704	99	17	of	of	ADP
easat-6704	99	18	the	the	DET
easat-6704	99	19	vietnamese	vietnamese	ADJ
easat-6704	99	20	microfinance	microfinance	NOUN
easat-6704	99	21	sector	sector	NOUN
easat-6704	99	22	.	.	PUNCT
easat-6704	100	1	gender	gender	NOUN
easat-6704	100	2	distribution	distribution	NOUN
easat-6704	100	3	was	be	AUX
easat-6704	100	4	relatively	relatively	ADV
easat-6704	100	5	balanced	balanced	ADJ
easat-6704	100	6	,	,	PUNCT
easat-6704	100	7	with	with	ADP
easat-6704	100	8	a	a	DET
easat-6704	100	9	slight	slight	ADJ
easat-6704	100	10	predominance	predominance	NOUN
easat-6704	100	11	of	of	ADP
easat-6704	100	12	male	male	ADJ
easat-6704	100	13	respondents	respondent	NOUN
easat-6704	100	14	(	(	PUNCT
easat-6704	100	15	54.3	54.3	NUM
easat-6704	100	16	%	%	NOUN
easat-6704	100	17	)	)	PUNCT
easat-6704	100	18	.	.	PUNCT
easat-6704	101	1	respondents	respondent	NOUN
easat-6704	101	2	covered	cover	VERB
easat-6704	101	3	a	a	DET
easat-6704	101	4	broad	broad	ADJ
easat-6704	101	5	age	age	NOUN
easat-6704	101	6	range	range	NOUN
easat-6704	101	7	,	,	PUNCT
easat-6704	101	8	with	with	ADP
easat-6704	101	9	the	the	DET
easat-6704	101	10	majority	majority	NOUN
easat-6704	101	11	between	between	ADP
easat-6704	101	12	22	22	NUM
easat-6704	101	13	and	and	CCONJ
easat-6704	101	14	50	50	NUM
easat-6704	101	15	years	year	NOUN
easat-6704	101	16	old	old	ADJ
easat-6704	101	17	,	,	PUNCT
easat-6704	101	18	consistent	consistent	ADJ
easat-6704	101	19	with	with	ADP
easat-6704	101	20	the	the	DET
easat-6704	101	21	active	active	ADJ
easat-6704	101	22	working	work	VERB
easat-6704	101	23	age	age	NOUN
easat-6704	101	24	in	in	ADP
easat-6704	101	25	vietnam	vietnam	PROPN
easat-6704	101	26	’s	’s	PART
easat-6704	101	27	financial	financial	PROPN
easat-6704	101	28	services	service	NOUN
easat-6704	101	29	industry	industry	NOUN
easat-6704	101	30	.	.	PUNCT
easat-6704	102	1	educational	educational	ADJ
easat-6704	102	2	qualifications	qualification	NOUN
easat-6704	102	3	were	be	AUX
easat-6704	102	4	notably	notably	ADV
easat-6704	102	5	high	high	ADJ
easat-6704	102	6	:	:	PUNCT
easat-6704	102	7	over	over	ADP
easat-6704	102	8	98	98	NUM
easat-6704	102	9	%	%	NOUN
easat-6704	102	10	of	of	ADP
easat-6704	102	11	respondents	respondent	NOUN
easat-6704	102	12	held	hold	VERB
easat-6704	102	13	at	at	ADP
easat-6704	102	14	least	least	ADJ
easat-6704	102	15	a	a	DET
easat-6704	102	16	bachelor	bachelor	NOUN
easat-6704	102	17	’s	’s	PART
easat-6704	102	18	degree	degree	NOUN
easat-6704	102	19	,	,	PUNCT
easat-6704	102	20	with	with	ADP
easat-6704	102	21	a	a	DET
easat-6704	102	22	significant	significant	ADJ
easat-6704	102	23	portion	portion	NOUN
easat-6704	102	24	(	(	PUNCT
easat-6704	102	25	59.16	59.16	NUM
easat-6704	102	26	%	%	NOUN
easat-6704	102	27	)	)	PUNCT
easat-6704	102	28	having	having	AUX
easat-6704	102	29	completed	complete	VERB
easat-6704	102	30	postgraduate	postgraduate	ADJ
easat-6704	102	31	studies	study	NOUN
easat-6704	102	32	.	.	PUNCT
easat-6704	103	1	regarding	regard	VERB
easat-6704	103	2	job	job	NOUN
easat-6704	103	3	roles	role	NOUN
easat-6704	103	4	,	,	PUNCT
easat-6704	103	5	the	the	DET
easat-6704	103	6	majority	majority	NOUN
easat-6704	103	7	were	be	AUX
easat-6704	103	8	either	either	CCONJ
easat-6704	103	9	credit	credit	NOUN
easat-6704	103	10	officers	officer	NOUN
easat-6704	103	11	,	,	PUNCT
easat-6704	103	12	compliance	compliance	NOUN
easat-6704	103	13	staff	staff	NOUN
easat-6704	103	14	,	,	PUNCT
easat-6704	103	15	or	or	CCONJ
easat-6704	103	16	middle	middle	ADJ
easat-6704	103	17	managers	manager	NOUN
easat-6704	103	18	—	—	PUNCT
easat-6704	103	19	roles	role	NOUN
easat-6704	103	20	that	that	PRON
easat-6704	103	21	directly	directly	ADV
easat-6704	103	22	engage	engage	VERB
easat-6704	103	23	with	with	ADP
easat-6704	103	24	operational	operational	ADJ
easat-6704	103	25	and	and	CCONJ
easat-6704	103	26	regulatory	regulatory	ADJ
easat-6704	103	27	aspects	aspect	NOUN
easat-6704	103	28	of	of	ADP
easat-6704	103	29	mfis	mfis	PROPN
easat-6704	103	30	.	.	PUNCT
easat-6704	104	1	most	most	ADJ
easat-6704	104	2	participants	participant	NOUN
easat-6704	104	3	had	have	VERB
easat-6704	104	4	5	5	NUM
easat-6704	104	5	to	to	PART
easat-6704	104	6	under	under	ADP
easat-6704	104	7	15	15	NUM
easat-6704	104	8	years	year	NOUN
easat-6704	104	9	of	of	ADP
easat-6704	104	10	experience	experience	NOUN
easat-6704	104	11	in	in	ADP
easat-6704	104	12	the	the	DET
easat-6704	104	13	microfinance	microfinance	NOUN
easat-6704	104	14	field	field	NOUN
easat-6704	104	15	,	,	PUNCT
easat-6704	104	16	indicating	indicate	VERB
easat-6704	104	17	a	a	DET
easat-6704	104	18	well	well	ADV
easat-6704	104	19	-	-	PUNCT
easat-6704	104	20	informed	inform	VERB
easat-6704	104	21	respondent	respondent	NOUN
easat-6704	104	22	base	base	NOUN
easat-6704	104	23	capable	capable	ADJ
easat-6704	104	24	of	of	ADP
easat-6704	104	25	offering	offer	VERB
easat-6704	104	26	reliable	reliable	ADJ
easat-6704	104	27	insights	insight	NOUN
easat-6704	104	28	into	into	ADP
easat-6704	104	29	institutional	institutional	ADJ
easat-6704	104	30	sustainability	sustainability	NOUN
easat-6704	104	31	.	.	PUNCT
easat-6704	105	1	2994	2994	NUM
easat-6704	105	2	edelweiss	edelweiss	PROPN
easat-6704	105	3	applied	apply	VERB
easat-6704	105	4	science	science	NOUN
easat-6704	105	5	and	and	CCONJ
easat-6704	105	6	technology	technology	NOUN
easat-6704	105	7	issn	issn	PROPN
easat-6704	105	8	:	:	PUNCT
easat-6704	105	9	2576	2576	NUM
easat-6704	105	10	-	-	SYM
easat-6704	105	11	8484	8484	NUM
easat-6704	105	12	vol	vol	NOUN
easat-6704	105	13	.	.	PROPN
easat-6704	106	1	9	9	NUM
easat-6704	106	2	,	,	PUNCT
easat-6704	106	3	no	no	INTJ
easat-6704	106	4	.	.	NOUN
easat-6704	106	5	4	4	NUM
easat-6704	106	6	:	:	PUNCT
easat-6704	106	7	2990	2990	NUM
easat-6704	106	8	-	-	SYM
easat-6704	106	9	2999	2999	NUM
easat-6704	106	10	,	,	PUNCT
easat-6704	106	11	2025	2025	NUM
easat-6704	106	12	doi	doi	NOUN
easat-6704	106	13	:	:	PUNCT
easat-6704	106	14	10.55214/25768484.v9i4.6704	10.55214/25768484.v9i4.6704	NUM
easat-6704	106	15	©	©	ADP
easat-6704	106	16	2025	2025	NUM
easat-6704	106	17	by	by	ADP
easat-6704	106	18	the	the	DET
easat-6704	106	19	authors	author	NOUN
easat-6704	106	20	;	;	PUNCT
easat-6704	106	21	licensee	licensee	PROPN
easat-6704	106	22	learning	learn	VERB
easat-6704	106	23	gate	gate	NOUN
easat-6704	106	24	table	table	NOUN
easat-6704	106	25	1	1	NUM
easat-6704	106	26	.	.	PUNCT
easat-6704	106	27	descriptive	descriptive	ADJ
easat-6704	106	28	statistics	statistic	NOUN
easat-6704	106	29	of	of	ADP
easat-6704	106	30	the	the	DET
easat-6704	106	31	sample	sample	NOUN
easat-6704	106	32	by	by	ADP
easat-6704	106	33	individual	individual	ADJ
easat-6704	106	34	characteristics	characteristic	NOUN
easat-6704	106	35	.	.	PUNCT
easat-6704	107	1	personal	personal	ADJ
easat-6704	107	2	characteristics	characteristic	NOUN
easat-6704	107	3	detail	detail	NOUN
easat-6704	107	4	quantity	quantity	NOUN
easat-6704	107	5	percent	percent	NOUN
easat-6704	107	6	(	(	PUNCT
easat-6704	107	7	%	%	INTJ
easat-6704	107	8	)	)	PUNCT
easat-6704	107	9	gender	gender	NOUN
easat-6704	107	10	male	male	NOUN
easat-6704	107	11	169	169	NUM
easat-6704	107	12	54.30	54.30	NUM
easat-6704	107	13	female	female	ADJ
easat-6704	107	14	142	142	NUM
easat-6704	107	15	45.70	45.70	NUM
easat-6704	107	16	age	age	NOUN
easat-6704	107	17	22	22	NUM
easat-6704	107	18	under	under	ADP
easat-6704	107	19	35	35	NUM
easat-6704	107	20	138	138	NUM
easat-6704	107	21	44.37	44.37	NUM
easat-6704	107	22	from	from	ADP
easat-6704	107	23	35	35	NUM
easat-6704	107	24	–	–	PUNCT
easat-6704	107	25	50	50	NUM
easat-6704	107	26	127	127	NUM
easat-6704	107	27	40.83	40.83	NUM
easat-6704	107	28	above	above	ADP
easat-6704	107	29	50	50	NUM
easat-6704	107	30	years	year	NOUN
easat-6704	107	31	old	old	ADJ
easat-6704	107	32	46	46	NUM
easat-6704	107	33	14.80	14.80	NUM
easat-6704	107	34	academic	academic	ADJ
easat-6704	107	35	qualification	qualification	NOUN
easat-6704	107	36	bachelor	bachelor	NOUN
easat-6704	107	37	124	124	NUM
easat-6704	107	38	39.87	39.87	NUM
easat-6704	107	39	master	master	NOUN
easat-6704	107	40	184	184	NUM
easat-6704	107	41	59.16	59.16	NUM
easat-6704	107	42	doctorate	doctorate	NOUN
easat-6704	107	43	3	3	NUM
easat-6704	107	44	0.96	0.96	NUM
easat-6704	107	45	job	job	NOUN
easat-6704	107	46	position	position	NOUN
easat-6704	107	47	specialist	specialist	NOUN
easat-6704	107	48	203	203	NUM
easat-6704	107	49	65.27	65.27	NUM
easat-6704	107	50	manager	manager	NOUN
easat-6704	107	51	108	108	NUM
easat-6704	107	52	34.73	34.73	NUM
easat-6704	107	53	experience	experience	NOUN
easat-6704	107	54	duration	duration	NOUN
easat-6704	107	55	under	under	ADP
easat-6704	107	56	5	5	NUM
easat-6704	107	57	years	year	NOUN
easat-6704	107	58	83	83	NUM
easat-6704	107	59	26.69	26.69	NUM
easat-6704	107	60	5	5	NUM
easat-6704	107	61	under	under	ADP
easat-6704	107	62	10	10	NUM
easat-6704	107	63	years	year	NOUN
easat-6704	107	64	116	116	NUM
easat-6704	107	65	37.30	37.30	NUM
easat-6704	107	66	10	10	NUM
easat-6704	107	67	under	under	ADP
easat-6704	107	68	15	15	NUM
easat-6704	107	69	years	year	NOUN
easat-6704	107	70	89	89	NUM
easat-6704	107	71	28.62	28.62	NUM
easat-6704	107	72	above	above	ADP
easat-6704	107	73	15	15	NUM
easat-6704	107	74	years	year	NOUN
easat-6704	107	75	23	23	NUM
easat-6704	107	76	7.39	7.39	NUM
easat-6704	107	77	4.2	4.2	NUM
easat-6704	107	78	.	.	PUNCT
easat-6704	108	1	reliability	reliability	NOUN
easat-6704	108	2	testing	testing	NOUN
easat-6704	108	3	of	of	ADP
easat-6704	108	4	the	the	DET
easat-6704	108	5	measurement	measurement	NOUN
easat-6704	108	6	scale	scale	NOUN
easat-6704	108	7	the	the	DET
easat-6704	108	8	results	result	NOUN
easat-6704	108	9	in	in	ADP
easat-6704	108	10	table	table	NOUN
easat-6704	108	11	2	2	NUM
easat-6704	108	12	indicate	indicate	VERB
easat-6704	108	13	that	that	SCONJ
easat-6704	108	14	all	all	DET
easat-6704	108	15	variables	variable	NOUN
easat-6704	108	16	have	have	AUX
easat-6704	108	17	cronbach	cronbach	VERB
easat-6704	108	18	's	's	PART
easat-6704	108	19	alpha	alpha	ADJ
easat-6704	108	20	coefficients	coefficient	NOUN
easat-6704	108	21	>	>	X
easat-6704	108	22	0.7	0.7	NUM
easat-6704	108	23	,	,	PUNCT
easat-6704	108	24	and	and	CCONJ
easat-6704	108	25	the	the	DET
easat-6704	108	26	variable	variable	ADJ
easat-6704	108	27	-	-	PUNCT
easat-6704	108	28	total	total	NOUN
easat-6704	108	29	correlations	correlation	NOUN
easat-6704	108	30	are	be	AUX
easat-6704	108	31	>	>	X
easat-6704	108	32	0.3	0.3	NUM
easat-6704	108	33	,	,	PUNCT
easat-6704	108	34	demonstrating	demonstrate	VERB
easat-6704	108	35	that	that	SCONJ
easat-6704	108	36	the	the	DET
easat-6704	108	37	variables	variable	NOUN
easat-6704	108	38	meet	meet	VERB
easat-6704	108	39	the	the	DET
easat-6704	108	40	requirements	requirement	NOUN
easat-6704	108	41	for	for	ADP
easat-6704	108	42	reliability	reliability	NOUN
easat-6704	108	43	and	and	CCONJ
easat-6704	108	44	can	can	AUX
easat-6704	108	45	be	be	AUX
easat-6704	108	46	used	use	VERB
easat-6704	108	47	for	for	ADP
easat-6704	108	48	further	further	ADJ
easat-6704	108	49	exploratory	exploratory	ADJ
easat-6704	108	50	factor	factor	NOUN
easat-6704	108	51	analysis	analysis	NOUN
easat-6704	108	52	(	(	PUNCT
easat-6704	108	53	efa	efa	PROPN
easat-6704	108	54	)	)	PUNCT
easat-6704	108	55	.	.	PUNCT
easat-6704	109	1	table	table	NOUN
easat-6704	109	2	2	2	NUM
easat-6704	109	3	.	.	PUNCT
easat-6704	109	4	reliability	reliability	NOUN
easat-6704	109	5	testing	testing	NOUN
easat-6704	109	6	of	of	ADP
easat-6704	109	7	the	the	DET
easat-6704	109	8	measurement	measurement	NOUN
easat-6704	109	9	scale	scale	NOUN
easat-6704	109	10	.	.	PUNCT
easat-6704	110	1	observed	observe	VERB
easat-6704	110	2	variable	variable	ADJ
easat-6704	110	3	number	number	NOUN
easat-6704	110	4	of	of	ADP
easat-6704	110	5	observed	observed	ADJ
easat-6704	110	6	variables	variable	NOUN
easat-6704	110	7	cronbach	cronbach	VERB
easat-6704	110	8	's	's	PART
easat-6704	110	9	alpha	alpha	ADJ
easat-6704	110	10	minimum	minimum	ADJ
easat-6704	110	11	total	total	ADJ
easat-6704	110	12	variable	variable	ADJ
easat-6704	110	13	correlation	correlation	NOUN
easat-6704	110	14	coefficient	coefficient	NOUN
easat-6704	110	15	cm	cm	VERB
easat-6704	110	16	4	4	NUM
easat-6704	110	17	0.793	0.793	NUM
easat-6704	110	18	0.508	0.508	NUM
easat-6704	110	19	bm	bm	PROPN
easat-6704	110	20	4	4	NUM
easat-6704	110	21	0.817	0.817	NUM
easat-6704	110	22	0.547	0.547	NUM
easat-6704	110	23	dt	dt	NOUN
easat-6704	110	24	3	3	NUM
easat-6704	110	25	0.778	0.778	NUM
easat-6704	110	26	0.562	0.562	NUM
easat-6704	110	27	mf	mf	VERB
easat-6704	110	28	5	5	NUM
easat-6704	110	29	0.874	0.874	NUM
easat-6704	110	30	0.603	0.603	NUM
easat-6704	110	31	gc	gc	PROPN
easat-6704	110	32	4	4	NUM
easat-6704	110	33	0.841	0.841	NUM
easat-6704	110	34	0.615	0.615	NUM
easat-6704	110	35	4.3	4.3	NUM
easat-6704	110	36	.	.	PUNCT
easat-6704	110	37	exploratory	exploratory	ADJ
easat-6704	110	38	factor	factor	NOUN
easat-6704	110	39	analysis	analysis	NOUN
easat-6704	110	40	the	the	DET
easat-6704	110	41	results	result	NOUN
easat-6704	110	42	of	of	ADP
easat-6704	110	43	the	the	DET
easat-6704	110	44	exploratory	exploratory	ADJ
easat-6704	110	45	factor	factor	NOUN
easat-6704	110	46	analysis	analysis	NOUN
easat-6704	110	47	(	(	PUNCT
easat-6704	110	48	efa	efa	PROPN
easat-6704	110	49	)	)	PUNCT
easat-6704	110	50	indicate	indicate	VERB
easat-6704	110	51	a	a	DET
easat-6704	110	52	high	high	ADJ
easat-6704	110	53	level	level	NOUN
easat-6704	110	54	of	of	ADP
easat-6704	110	55	statistical	statistical	ADJ
easat-6704	110	56	adequacy	adequacy	NOUN
easat-6704	110	57	for	for	ADP
easat-6704	110	58	factor	factor	NOUN
easat-6704	110	59	extraction	extraction	NOUN
easat-6704	110	60	,	,	PUNCT
easat-6704	110	61	confirming	confirm	VERB
easat-6704	110	62	the	the	DET
easat-6704	110	63	appropriateness	appropriateness	NOUN
easat-6704	110	64	of	of	ADP
easat-6704	110	65	the	the	DET
easat-6704	110	66	dataset	dataset	NOUN
easat-6704	110	67	for	for	ADP
easat-6704	110	68	multivariate	multivariate	NOUN
easat-6704	110	69	analysis	analysis	NOUN
easat-6704	110	70	.	.	PUNCT
easat-6704	111	1	the	the	DET
easat-6704	111	2	kaiser	kaiser	PROPN
easat-6704	111	3	-	-	PUNCT
easat-6704	111	4	meyer	meyer	PROPN
easat-6704	111	5	-	-	PUNCT
easat-6704	111	6	olkin	olkin	PROPN
easat-6704	111	7	(	(	PUNCT
easat-6704	111	8	kmo	kmo	NOUN
easat-6704	111	9	)	)	PUNCT
easat-6704	111	10	measure	measure	NOUN
easat-6704	111	11	of	of	ADP
easat-6704	111	12	sampling	sample	VERB
easat-6704	111	13	adequacy	adequacy	NOUN
easat-6704	111	14	yielded	yield	VERB
easat-6704	111	15	a	a	DET
easat-6704	111	16	value	value	NOUN
easat-6704	111	17	of	of	ADP
easat-6704	111	18	0.936	0.936	NUM
easat-6704	111	19	,	,	PUNCT
easat-6704	111	20	which	which	PRON
easat-6704	111	21	exceeds	exceed	VERB
easat-6704	111	22	the	the	DET
easat-6704	111	23	commonly	commonly	ADV
easat-6704	111	24	accepted	accept	VERB
easat-6704	111	25	threshold	threshold	NOUN
easat-6704	111	26	of	of	ADP
easat-6704	111	27	0.90	0.90	NUM
easat-6704	111	28	and	and	CCONJ
easat-6704	111	29	signifies	signify	VERB
easat-6704	111	30	excellent	excellent	ADJ
easat-6704	111	31	suitability	suitability	NOUN
easat-6704	111	32	for	for	ADP
easat-6704	111	33	factor	factor	NOUN
easat-6704	111	34	analysis	analysis	NOUN
easat-6704	111	35	.	.	PUNCT
easat-6704	112	1	furthermore	furthermore	ADV
easat-6704	112	2	,	,	PUNCT
easat-6704	112	3	bartlett	bartlett	PROPN
easat-6704	112	4	’s	’s	PART
easat-6704	112	5	test	test	NOUN
easat-6704	112	6	of	of	ADP
easat-6704	112	7	sphericity	sphericity	NOUN
easat-6704	112	8	was	be	AUX
easat-6704	112	9	highly	highly	ADV
easat-6704	112	10	significant	significant	ADJ
easat-6704	112	11	(	(	PUNCT
easat-6704	112	12	χ²	χ²	NOUN
easat-6704	112	13	=	=	SYM
easat-6704	112	14	3057.78	3057.78	NUM
easat-6704	112	15	,	,	PUNCT
easat-6704	112	16	p	p	X
easat-6704	112	17	<	<	X
easat-6704	112	18	0.001	0.001	NUM
easat-6704	112	19	)	)	PUNCT
easat-6704	112	20	,	,	PUNCT
easat-6704	112	21	demonstrating	demonstrate	VERB
easat-6704	112	22	that	that	SCONJ
easat-6704	112	23	the	the	DET
easat-6704	112	24	intercorrelations	intercorrelation	NOUN
easat-6704	112	25	among	among	ADP
easat-6704	112	26	variables	variable	NOUN
easat-6704	112	27	are	be	AUX
easat-6704	112	28	sufficient	sufficient	ADJ
easat-6704	112	29	for	for	ADP
easat-6704	112	30	structure	structure	NOUN
easat-6704	112	31	detection	detection	NOUN
easat-6704	112	32	.	.	PUNCT
easat-6704	113	1	as	as	SCONJ
easat-6704	113	2	presented	present	VERB
easat-6704	113	3	in	in	ADP
easat-6704	113	4	table	table	NOUN
easat-6704	113	5	3	3	NUM
easat-6704	113	6	,	,	PUNCT
easat-6704	113	7	the	the	DET
easat-6704	113	8	majority	majority	NOUN
easat-6704	113	9	of	of	ADP
easat-6704	113	10	observed	observed	ADJ
easat-6704	113	11	variables	variable	NOUN
easat-6704	113	12	loaded	load	VERB
easat-6704	113	13	strongly	strongly	ADV
easat-6704	113	14	on	on	ADP
easat-6704	113	15	the	the	DET
easat-6704	113	16	first	first	ADJ
easat-6704	113	17	principal	principal	ADJ
easat-6704	113	18	component	component	NOUN
easat-6704	113	19	,	,	PUNCT
easat-6704	113	20	with	with	ADP
easat-6704	113	21	most	most	ADJ
easat-6704	113	22	factor	factor	NOUN
easat-6704	113	23	loadings	loading	NOUN
easat-6704	113	24	exceeding	exceed	VERB
easat-6704	113	25	0.60	0.60	NUM
easat-6704	113	26	,	,	PUNCT
easat-6704	113	27	thereby	thereby	ADV
easat-6704	113	28	providing	provide	VERB
easat-6704	113	29	empirical	empirical	ADJ
easat-6704	113	30	support	support	NOUN
easat-6704	113	31	for	for	ADP
easat-6704	113	32	convergent	convergent	NOUN
easat-6704	113	33	validity	validity	NOUN
easat-6704	113	34	.	.	PUNCT
easat-6704	114	1	among	among	ADP
easat-6704	114	2	the	the	DET
easat-6704	114	3	highest	high	ADJ
easat-6704	114	4	loading	loading	NOUN
easat-6704	114	5	variables	variable	NOUN
easat-6704	114	6	were	be	AUX
easat-6704	114	7	mf1	mf1	VERB
easat-6704	114	8	(	(	PUNCT
easat-6704	114	9	0.746	0.746	NUM
easat-6704	114	10	)	)	PUNCT
easat-6704	114	11	,	,	PUNCT
easat-6704	114	12	gc1	gc1	NOUN
easat-6704	114	13	(	(	PUNCT
easat-6704	114	14	0.732	0.732	NUM
easat-6704	114	15	)	)	PUNCT
easat-6704	114	16	,	,	PUNCT
easat-6704	114	17	and	and	CCONJ
easat-6704	114	18	bm1	bm1	PROPN
easat-6704	114	19	(	(	PUNCT
easat-6704	114	20	0.719	0.719	NUM
easat-6704	114	21	)	)	PUNCT
easat-6704	114	22	,	,	PUNCT
easat-6704	114	23	highlighting	highlight	VERB
easat-6704	114	24	their	their	PRON
easat-6704	114	25	central	central	ADJ
easat-6704	114	26	role	role	NOUN
easat-6704	114	27	in	in	ADP
easat-6704	114	28	defining	define	VERB
easat-6704	114	29	the	the	DET
easat-6704	114	30	latent	latent	NOUN
easat-6704	114	31	construct	construct	NOUN
easat-6704	114	32	of	of	ADP
easat-6704	114	33	operational	operational	ADJ
easat-6704	114	34	sustainability	sustainability	NOUN
easat-6704	114	35	.	.	PUNCT
easat-6704	115	1	additionally	additionally	ADV
easat-6704	115	2	,	,	PUNCT
easat-6704	115	3	variables	variable	NOUN
easat-6704	115	4	associated	associate	VERB
easat-6704	115	5	with	with	ADP
easat-6704	115	6	digital	digital	ADJ
easat-6704	115	7	transformation	transformation	NOUN
easat-6704	115	8	and	and	CCONJ
easat-6704	115	9	cost	cost	NOUN
easat-6704	115	10	management	management	NOUN
easat-6704	115	11	displayed	display	VERB
easat-6704	115	12	moderate	moderate	ADJ
easat-6704	115	13	to	to	ADP
easat-6704	115	14	strong	strong	ADJ
easat-6704	115	15	loadings	loading	NOUN
easat-6704	115	16	,	,	PUNCT
easat-6704	115	17	indicating	indicate	VERB
easat-6704	115	18	their	their	PRON
easat-6704	115	19	meaningful	meaningful	ADJ
easat-6704	115	20	contribution	contribution	NOUN
easat-6704	115	21	to	to	ADP
easat-6704	115	22	the	the	DET
easat-6704	115	23	construct	construct	NOUN
easat-6704	115	24	's	's	PART
easat-6704	115	25	multidimensional	multidimensional	ADJ
easat-6704	115	26	structure	structure	NOUN
easat-6704	115	27	.	.	PUNCT
easat-6704	116	1	notably	notably	ADV
easat-6704	116	2	,	,	PUNCT
easat-6704	116	3	component	component	NOUN
easat-6704	116	4	2	2	NUM
easat-6704	116	5	captured	capture	VERB
easat-6704	116	6	secondary	secondary	ADJ
easat-6704	116	7	loadings	loading	NOUN
easat-6704	116	8	for	for	ADP
easat-6704	116	9	several	several	ADJ
easat-6704	116	10	cost	cost	NOUN
easat-6704	116	11	-	-	PUNCT
easat-6704	116	12	related	relate	VERB
easat-6704	116	13	items	item	NOUN
easat-6704	116	14	such	such	ADJ
easat-6704	116	15	as	as	ADP
easat-6704	116	16	cm2	cm2	PROPN
easat-6704	116	17	(	(	PUNCT
easat-6704	116	18	0.462	0.462	NUM
easat-6704	116	19	)	)	PUNCT
easat-6704	116	20	and	and	CCONJ
easat-6704	116	21	cm3	cm3	NOUN
easat-6704	116	22	(	(	PUNCT
easat-6704	116	23	0.518	0.518	NUM
easat-6704	116	24	)	)	PUNCT
easat-6704	116	25	,	,	PUNCT
easat-6704	116	26	suggesting	suggest	VERB
easat-6704	116	27	the	the	DET
easat-6704	116	28	emergence	emergence	NOUN
easat-6704	116	29	of	of	ADP
easat-6704	116	30	a	a	DET
easat-6704	116	31	distinct	distinct	ADJ
easat-6704	116	32	cost	cost	NOUN
easat-6704	116	33	-	-	PUNCT
easat-6704	116	34	efficiency	efficiency	NOUN
easat-6704	116	35	dimension	dimension	NOUN
easat-6704	116	36	within	within	ADP
easat-6704	116	37	the	the	DET
easat-6704	116	38	overall	overall	ADJ
easat-6704	116	39	sustainability	sustainability	NOUN
easat-6704	116	40	framework	framework	NOUN
easat-6704	116	41	.	.	PUNCT
easat-6704	117	1	this	this	PRON
easat-6704	117	2	could	could	AUX
easat-6704	117	3	reflect	reflect	VERB
easat-6704	117	4	a	a	DET
easat-6704	117	5	nuanced	nuanced	ADJ
easat-6704	117	6	substructure	substructure	NOUN
easat-6704	117	7	where	where	SCONJ
easat-6704	117	8	operational	operational	ADJ
easat-6704	117	9	cost	cost	NOUN
easat-6704	117	10	variables	variable	NOUN
easat-6704	117	11	form	form	VERB
easat-6704	117	12	a	a	DET
easat-6704	117	13	latent	latent	NOUN
easat-6704	117	14	subset	subset	VERB
easat-6704	117	15	within	within	ADP
easat-6704	117	16	the	the	DET
easat-6704	117	17	broader	broad	ADJ
easat-6704	117	18	model	model	NOUN
easat-6704	117	19	.	.	PUNCT
easat-6704	118	1	some	some	DET
easat-6704	118	2	variables	variable	NOUN
easat-6704	118	3	exhibited	exhibit	VERB
easat-6704	118	4	minor	minor	ADJ
easat-6704	118	5	cross	cross	ADJ
easat-6704	118	6	-	-	NOUN
easat-6704	118	7	loadings	loading	NOUN
easat-6704	118	8	or	or	CCONJ
easat-6704	118	9	weak	weak	ADJ
easat-6704	118	10	negative	negative	ADJ
easat-6704	118	11	associations	association	NOUN
easat-6704	118	12	—	—	PUNCT
easat-6704	118	13	for	for	ADP
easat-6704	118	14	instance	instance	NOUN
easat-6704	118	15	,	,	PUNCT
easat-6704	118	16	gc4	gc4	VERB
easat-6704	118	17	(	(	PUNCT
easat-6704	118	18	0.085	0.085	NUM
easat-6704	118	19	)	)	PUNCT
easat-6704	118	20	and	and	CCONJ
easat-6704	118	21	mf4	mf4	NOUN
easat-6704	118	22	(	(	PUNCT
easat-6704	118	23	-0.301)—yet	-0.301)—yet	ADP
easat-6704	118	24	these	these	DET
easat-6704	118	25	values	value	NOUN
easat-6704	118	26	remained	remain	VERB
easat-6704	118	27	within	within	ADP
easat-6704	118	28	acceptable	acceptable	ADJ
easat-6704	118	29	limits	limit	NOUN
easat-6704	118	30	and	and	CCONJ
easat-6704	118	31	did	do	AUX
easat-6704	118	32	not	not	PART
easat-6704	118	33	compromise	compromise	VERB
easat-6704	118	34	2995	2995	NUM
easat-6704	118	35	edelweiss	edelweiss	PROPN
easat-6704	118	36	applied	apply	VERB
easat-6704	118	37	science	science	NOUN
easat-6704	118	38	and	and	CCONJ
easat-6704	118	39	technology	technology	NOUN
easat-6704	118	40	issn	issn	PROPN
easat-6704	118	41	:	:	PUNCT
easat-6704	118	42	2576	2576	NUM
easat-6704	118	43	-	-	SYM
easat-6704	118	44	8484	8484	NUM
easat-6704	118	45	vol	vol	NOUN
easat-6704	118	46	.	.	PROPN
easat-6704	119	1	9	9	NUM
easat-6704	119	2	,	,	PUNCT
easat-6704	119	3	no	no	INTJ
easat-6704	119	4	.	.	NOUN
easat-6704	119	5	4	4	NUM
easat-6704	119	6	:	:	PUNCT
easat-6704	119	7	2990	2990	NUM
easat-6704	119	8	-	-	SYM
easat-6704	119	9	2999	2999	NUM
easat-6704	119	10	,	,	PUNCT
easat-6704	119	11	2025	2025	NUM
easat-6704	119	12	doi	doi	NOUN
easat-6704	119	13	:	:	PUNCT
easat-6704	119	14	10.55214/25768484.v9i4.6704	10.55214/25768484.v9i4.6704	NUM
easat-6704	119	15	©	©	ADP
easat-6704	119	16	2025	2025	NUM
easat-6704	119	17	by	by	ADP
easat-6704	119	18	the	the	DET
easat-6704	119	19	authors	author	NOUN
easat-6704	119	20	;	;	PUNCT
easat-6704	119	21	licensee	licensee	PROPN
easat-6704	119	22	learning	learning	NOUN
easat-6704	119	23	gate	gate	VERB
easat-6704	119	24	the	the	DET
easat-6704	119	25	factorial	factorial	ADJ
easat-6704	119	26	integrity	integrity	NOUN
easat-6704	119	27	.	.	PUNCT
easat-6704	120	1	such	such	ADJ
easat-6704	120	2	cross	cros	NOUN
easat-6704	120	3	-	-	NOUN
easat-6704	120	4	loadings	loading	NOUN
easat-6704	120	5	may	may	AUX
easat-6704	120	6	reflect	reflect	VERB
easat-6704	120	7	item	item	NOUN
easat-6704	120	8	-	-	PUNCT
easat-6704	120	9	specific	specific	ADJ
easat-6704	120	10	variation	variation	NOUN
easat-6704	120	11	or	or	CCONJ
easat-6704	120	12	conceptual	conceptual	ADJ
easat-6704	120	13	overlap	overlap	NOUN
easat-6704	120	14	,	,	PUNCT
easat-6704	120	15	but	but	CCONJ
easat-6704	120	16	they	they	PRON
easat-6704	120	17	do	do	AUX
easat-6704	120	18	not	not	PART
easat-6704	120	19	detract	detract	VERB
easat-6704	120	20	from	from	ADP
easat-6704	120	21	the	the	DET
easat-6704	120	22	overall	overall	ADJ
easat-6704	120	23	robustness	robustness	NOUN
easat-6704	120	24	of	of	ADP
easat-6704	120	25	the	the	DET
easat-6704	120	26	factor	factor	NOUN
easat-6704	120	27	solution	solution	NOUN
easat-6704	120	28	.	.	PUNCT
easat-6704	121	1	in	in	ADP
easat-6704	121	2	summary	summary	NOUN
easat-6704	121	3	,	,	PUNCT
easat-6704	121	4	the	the	DET
easat-6704	121	5	efa	efa	PROPN
easat-6704	121	6	validates	validate	VERB
easat-6704	121	7	a	a	DET
easat-6704	121	8	coherent	coherent	ADJ
easat-6704	121	9	and	and	CCONJ
easat-6704	121	10	theoretically	theoretically	ADV
easat-6704	121	11	sound	sound	ADJ
easat-6704	121	12	factor	factor	NOUN
easat-6704	121	13	structure	structure	NOUN
easat-6704	121	14	encompassing	encompass	VERB
easat-6704	121	15	five	five	NUM
easat-6704	121	16	key	key	ADJ
easat-6704	121	17	dimensions	dimension	NOUN
easat-6704	121	18	:	:	PUNCT
easat-6704	121	19	governance	governance	NOUN
easat-6704	121	20	,	,	PUNCT
easat-6704	121	21	digital	digital	ADJ
easat-6704	121	22	transformation	transformation	NOUN
easat-6704	121	23	,	,	PUNCT
easat-6704	121	24	business	business	NOUN
easat-6704	121	25	model	model	NOUN
easat-6704	121	26	diversification	diversification	NOUN
easat-6704	121	27	,	,	PUNCT
easat-6704	121	28	macroeconomic	macroeconomic	ADJ
easat-6704	121	29	environment	environment	NOUN
easat-6704	121	30	,	,	PUNCT
easat-6704	121	31	and	and	CCONJ
easat-6704	121	32	cost	cost	NOUN
easat-6704	121	33	management	management	NOUN
easat-6704	121	34	.	.	PUNCT
easat-6704	122	1	these	these	DET
easat-6704	122	2	results	result	NOUN
easat-6704	122	3	confirm	confirm	VERB
easat-6704	122	4	the	the	DET
easat-6704	122	5	construct	construct	NOUN
easat-6704	122	6	validity	validity	NOUN
easat-6704	122	7	and	and	CCONJ
easat-6704	122	8	reliability	reliability	NOUN
easat-6704	122	9	of	of	ADP
easat-6704	122	10	the	the	DET
easat-6704	122	11	measurement	measurement	NOUN
easat-6704	122	12	instrument	instrument	NOUN
easat-6704	122	13	and	and	CCONJ
easat-6704	122	14	support	support	VERB
easat-6704	122	15	its	its	PRON
easat-6704	122	16	use	use	NOUN
easat-6704	122	17	in	in	ADP
easat-6704	122	18	subsequent	subsequent	ADJ
easat-6704	122	19	regression	regression	NOUN
easat-6704	122	20	analysis	analysis	NOUN
easat-6704	122	21	to	to	PART
easat-6704	122	22	examine	examine	VERB
easat-6704	122	23	the	the	DET
easat-6704	122	24	drivers	driver	NOUN
easat-6704	122	25	of	of	ADP
easat-6704	122	26	operational	operational	ADJ
easat-6704	122	27	sustainability	sustainability	NOUN
easat-6704	122	28	in	in	ADP
easat-6704	122	29	vietnamese	vietnamese	PROPN
easat-6704	122	30	mfis	mfis	PROPN
easat-6704	122	31	.	.	PUNCT
easat-6704	123	1	table	table	NOUN
easat-6704	123	2	3	3	NUM
easat-6704	123	3	.	.	PUNCT
easat-6704	124	1	results	result	NOUN
easat-6704	124	2	of	of	ADP
easat-6704	124	3	exploratory	exploratory	ADJ
easat-6704	124	4	factor	factor	NOUN
easat-6704	124	5	analysis	analysis	NOUN
easat-6704	124	6	(	(	PUNCT
easat-6704	124	7	efa	efa	PROPN
easat-6704	124	8	)	)	PUNCT
easat-6704	124	9	.	.	PUNCT
easat-6704	125	1	kmo	kmo	PROPN
easat-6704	125	2	coefficient	coefficient	VERB
easat-6704	125	3	0.936	0.936	NUM
easat-6704	125	4	bartlett	bartlett	PROPN
easat-6704	125	5	’s	’s	PART
easat-6704	125	6	test	test	PROPN
easat-6704	125	7	approx	approx	PROPN
easat-6704	125	8	.	.	PUNCT
easat-6704	126	1	chi	chi	ADJ
easat-6704	126	2	-	-	PUNCT
easat-6704	126	3	square	square	PROPN
easat-6704	126	4	3057.78	3057.78	NUM
easat-6704	126	5	df	df	PROPN
easat-6704	126	6	190	190	NUM
easat-6704	126	7	sig	sig	NOUN
easat-6704	126	8	.	.	PUNCT
easat-6704	127	1	0.000	0.000	NUM
easat-6704	127	2	table	table	NOUN
easat-6704	127	3	4	4	NUM
easat-6704	127	4	.	.	PUNCT
easat-6704	127	5	results	result	NOUN
easat-6704	127	6	of	of	ADP
easat-6704	127	7	exploratory	exploratory	ADJ
easat-6704	127	8	factor	factor	NOUN
easat-6704	127	9	analysis	analysis	NOUN
easat-6704	127	10	(	(	PUNCT
easat-6704	127	11	efa	efa	PROPN
easat-6704	127	12	)	)	PUNCT
easat-6704	127	13	.	.	PUNCT
easat-6704	128	1	component	component	NOUN
easat-6704	128	2	1	1	NUM
easat-6704	128	3	2	2	NUM
easat-6704	128	4	mf1	mf1	NOUN
easat-6704	128	5	0.746	0.746	NUM
easat-6704	128	6	-0.214	-0.214	PUNCT
easat-6704	128	7	gc1	gc1	NOUN
easat-6704	128	8	0.732	0.732	NUM
easat-6704	128	9	mf4	mf4	NOUN
easat-6704	128	10	0.728	0.728	NUM
easat-6704	128	11	-0.301	-0.301	PUNCT
easat-6704	128	12	bm1	bm1	VERB
easat-6704	128	13	0.719	0.719	NUM
easat-6704	128	14	0.108	0.108	NUM
easat-6704	128	15	dt1	dt1	PROPN
easat-6704	128	16	0.712	0.712	NUM
easat-6704	128	17	-0.097	-0.097	PUNCT
easat-6704	128	18	cm4	cm4	PROPN
easat-6704	128	19	0.699	0.699	NUM
easat-6704	128	20	0.351	0.351	NUM
easat-6704	128	21	mf5	mf5	VERB
easat-6704	128	22	0.694	0.694	NUM
easat-6704	128	23	-0.091	-0.091	NUM
easat-6704	128	24	bm4	bm4	PROPN
easat-6704	128	25	0.685	0.685	NUM
easat-6704	128	26	-0.132	-0.132	NUM
easat-6704	128	27	cm1	cm1	NOUN
easat-6704	128	28	0.674	0.674	NUM
easat-6704	128	29	0.467	0.467	NUM
easat-6704	128	30	dt3	dt3	NOUN
easat-6704	128	31	0.662	0.662	NUM
easat-6704	128	32	-0.235	-0.235	NOUN
easat-6704	128	33	mf3	mf3	PROPN
easat-6704	128	34	0.659	0.659	NUM
easat-6704	128	35	-0.179	-0.179	NOUN
easat-6704	128	36	bm3	bm3	NOUN
easat-6704	128	37	0.649	0.649	NUM
easat-6704	128	38	gc3	gc3	NUM
easat-6704	128	39	0.643	0.643	NUM
easat-6704	128	40	mf2	mf2	NOUN
easat-6704	128	41	0.637	0.637	NUM
easat-6704	128	42	-0.284	-0.284	NOUN
easat-6704	128	43	dt2	dt2	PROPN
easat-6704	128	44	0.631	0.631	NUM
easat-6704	128	45	gc2	gc2	NOUN
easat-6704	128	46	0.621	0.621	NUM
easat-6704	128	47	0.103	0.103	NUM
easat-6704	128	48	bm2	bm2	NOUN
easat-6704	128	49	0.618	0.618	NUM
easat-6704	128	50	gc4	gc4	VERB
easat-6704	128	51	0.603	0.603	NUM
easat-6704	128	52	-0.085	-0.085	PUNCT
easat-6704	129	1	cm3	cm3	NOUN
easat-6704	129	2	0.591	0.591	NUM
easat-6704	129	3	0.518	0.518	NUM
easat-6704	129	4	cm2	cm2	NOUN
easat-6704	129	5	0.532	0.532	NUM
easat-6704	129	6	0.462	0.462	NUM
easat-6704	129	7	table	table	NOUN
easat-6704	129	8	5	5	NUM
easat-6704	129	9	.	.	PUNCT
easat-6704	130	1	analysis	analysis	NOUN
easat-6704	130	2	of	of	ADP
easat-6704	130	3	the	the	DET
easat-6704	130	4	correlation	correlation	NOUN
easat-6704	130	5	between	between	ADP
easat-6704	130	6	factors	factor	NOUN
easat-6704	130	7	.	.	PUNCT
easat-6704	131	1	variable	variable	ADJ
easat-6704	131	2	cm	cm	PROPN
easat-6704	131	3	bm	bm	PROPN
easat-6704	131	4	dt	dt	PROPN
easat-6704	131	5	mf	mf	AUX
easat-6704	131	6	gc	gc	PROPN
easat-6704	131	7	os	os	PROPN
easat-6704	131	8	cm	cm	PROPN
easat-6704	131	9	1.000	1.000	NUM
easat-6704	131	10	bm	bm	PROPN
easat-6704	131	11	0.587	0.587	NUM
easat-6704	131	12	1.000	1.000	NUM
easat-6704	131	13	dt	dt	NOUN
easat-6704	131	14	0.523	0.523	NUM
easat-6704	131	15	0.634	0.634	NUM
easat-6704	131	16	1.000	1.000	NUM
easat-6704	131	17	mf	mf	VERB
easat-6704	131	18	0.549	0.549	NUM
easat-6704	131	19	0.678	0.678	NUM
easat-6704	131	20	0.693	0.693	NUM
easat-6704	131	21	1.000	1.000	NUM
easat-6704	131	22	gc	gc	PROPN
easat-6704	131	23	0.564	0.564	NUM
easat-6704	131	24	0.601	0.601	NUM
easat-6704	131	25	0.611	0.611	NUM
easat-6704	131	26	0.690	0.690	NUM
easat-6704	131	27	1.000	1.000	NUM
easat-6704	131	28	os	os	NOUN
easat-6704	131	29	0.532	0.532	NUM
easat-6704	131	30	0.668	0.668	NUM
easat-6704	131	31	0.705	0.705	NUM
easat-6704	131	32	0.714	0.714	NUM
easat-6704	131	33	0.721	0.721	NUM
easat-6704	131	34	1.000	1.000	NUM
easat-6704	131	35	2996	2996	NUM
easat-6704	131	36	edelweiss	edelweiss	PROPN
easat-6704	131	37	applied	apply	VERB
easat-6704	131	38	science	science	NOUN
easat-6704	131	39	and	and	CCONJ
easat-6704	131	40	technology	technology	NOUN
easat-6704	131	41	issn	issn	PROPN
easat-6704	131	42	:	:	PUNCT
easat-6704	131	43	2576	2576	NUM
easat-6704	131	44	-	-	SYM
easat-6704	131	45	8484	8484	NUM
easat-6704	131	46	vol	vol	NOUN
easat-6704	131	47	.	.	PROPN
easat-6704	132	1	9	9	NUM
easat-6704	132	2	,	,	PUNCT
easat-6704	132	3	no	no	INTJ
easat-6704	132	4	.	.	NOUN
easat-6704	132	5	4	4	NUM
easat-6704	132	6	:	:	PUNCT
easat-6704	132	7	2990	2990	NUM
easat-6704	132	8	-	-	SYM
easat-6704	132	9	2999	2999	NUM
easat-6704	132	10	,	,	PUNCT
easat-6704	132	11	2025	2025	NUM
easat-6704	132	12	doi	doi	NOUN
easat-6704	132	13	:	:	PUNCT
easat-6704	132	14	10.55214/25768484.v9i4.6704	10.55214/25768484.v9i4.6704	NUM
easat-6704	132	15	©	©	ADP
easat-6704	132	16	2025	2025	NUM
easat-6704	132	17	by	by	ADP
easat-6704	132	18	the	the	DET
easat-6704	132	19	authors	author	NOUN
easat-6704	132	20	;	;	PUNCT
easat-6704	132	21	licensee	licensee	PROPN
easat-6704	132	22	learning	learning	NOUN
easat-6704	132	23	gate	gate	VERB
easat-6704	132	24	the	the	DET
easat-6704	132	25	pearson	pearson	PROPN
easat-6704	132	26	correlation	correlation	NOUN
easat-6704	132	27	matrix	matrix	NOUN
easat-6704	132	28	in	in	ADP
easat-6704	132	29	table	table	NOUN
easat-6704	132	30	5	5	NUM
easat-6704	132	31	reveals	reveal	VERB
easat-6704	132	32	no	no	DET
easat-6704	132	33	multicollinearity	multicollinearity	NOUN
easat-6704	132	34	issues	issue	NOUN
easat-6704	132	35	among	among	ADP
easat-6704	132	36	the	the	DET
easat-6704	132	37	independent	independent	ADJ
easat-6704	132	38	variables	variable	NOUN
easat-6704	132	39	,	,	PUNCT
easat-6704	132	40	as	as	SCONJ
easat-6704	132	41	all	all	DET
easat-6704	132	42	correlation	correlation	NOUN
easat-6704	132	43	coefficients	coefficient	NOUN
easat-6704	132	44	fall	fall	VERB
easat-6704	132	45	below	below	ADP
easat-6704	132	46	the	the	DET
easat-6704	132	47	critical	critical	ADJ
easat-6704	132	48	threshold	threshold	NOUN
easat-6704	132	49	of	of	ADP
easat-6704	132	50	0.8	0.8	NUM
easat-6704	132	51	.	.	PUNCT
easat-6704	133	1	the	the	DET
easat-6704	133	2	strongest	strong	ADJ
easat-6704	133	3	correlations	correlation	NOUN
easat-6704	133	4	with	with	ADP
easat-6704	133	5	operational	operational	ADJ
easat-6704	133	6	sustainability	sustainability	NOUN
easat-6704	133	7	(	(	PUNCT
easat-6704	133	8	os	os	NOUN
easat-6704	133	9	)	)	PUNCT
easat-6704	133	10	are	be	AUX
easat-6704	133	11	observed	observe	VERB
easat-6704	133	12	for	for	ADP
easat-6704	133	13	governance	governance	NOUN
easat-6704	133	14	and	and	CCONJ
easat-6704	133	15	compliance	compliance	NOUN
easat-6704	133	16	(	(	PUNCT
easat-6704	133	17	gc	gc	PROPN
easat-6704	133	18	,	,	PUNCT
easat-6704	133	19	r	r	NOUN
easat-6704	133	20	=	=	NOUN
easat-6704	133	21	0.721	0.721	NUM
easat-6704	133	22	)	)	PUNCT
easat-6704	133	23	,	,	PUNCT
easat-6704	133	24	digital	digital	ADJ
easat-6704	133	25	transformation	transformation	NOUN
easat-6704	133	26	(	(	PUNCT
easat-6704	133	27	dt	dt	NOUN
easat-6704	133	28	,	,	PUNCT
easat-6704	133	29	r	r	NOUN
easat-6704	133	30	=	=	NOUN
easat-6704	133	31	0.705	0.705	NUM
easat-6704	133	32	)	)	PUNCT
easat-6704	133	33	,	,	PUNCT
easat-6704	133	34	and	and	CCONJ
easat-6704	133	35	macroeconomic	macroeconomic	ADJ
easat-6704	133	36	conditions	condition	NOUN
easat-6704	133	37	(	(	PUNCT
easat-6704	133	38	mf	mf	X
easat-6704	133	39	,	,	PUNCT
easat-6704	133	40	r	r	NOUN
easat-6704	133	41	=	=	PUNCT
easat-6704	133	42	0.714	0.714	NUM
easat-6704	133	43	)	)	PUNCT
easat-6704	133	44	,	,	PUNCT
easat-6704	133	45	suggesting	suggest	VERB
easat-6704	133	46	these	these	DET
easat-6704	133	47	factors	factor	NOUN
easat-6704	133	48	are	be	AUX
easat-6704	133	49	highly	highly	ADV
easat-6704	133	50	influential	influential	ADJ
easat-6704	133	51	for	for	ADP
easat-6704	133	52	the	the	DET
easat-6704	133	53	long	long	ADJ
easat-6704	133	54	-	-	PUNCT
easat-6704	133	55	term	term	NOUN
easat-6704	133	56	viability	viability	NOUN
easat-6704	133	57	of	of	ADP
easat-6704	133	58	mfis	mfis	PROPN
easat-6704	133	59	.	.	PUNCT
easat-6704	134	1	cost	cost	NOUN
easat-6704	134	2	management	management	NOUN
easat-6704	134	3	(	(	PUNCT
easat-6704	134	4	cm	cm	NOUN
easat-6704	134	5	)	)	PUNCT
easat-6704	134	6	shows	show	VERB
easat-6704	134	7	a	a	DET
easat-6704	134	8	relatively	relatively	ADV
easat-6704	134	9	weaker	weak	ADJ
easat-6704	134	10	correlation	correlation	NOUN
easat-6704	134	11	(	(	PUNCT
easat-6704	134	12	r	r	NOUN
easat-6704	134	13	=	=	NOUN
easat-6704	134	14	0.532	0.532	NUM
easat-6704	134	15	)	)	PUNCT
easat-6704	134	16	,	,	PUNCT
easat-6704	134	17	consistent	consistent	ADJ
easat-6704	134	18	with	with	ADP
easat-6704	134	19	findings	finding	NOUN
easat-6704	134	20	in	in	ADP
easat-6704	134	21	recent	recent	ADJ
easat-6704	134	22	literature	literature	NOUN
easat-6704	134	23	highlighting	highlight	VERB
easat-6704	134	24	the	the	DET
easat-6704	134	25	diminishing	diminish	VERB
easat-6704	134	26	standalone	standalone	ADJ
easat-6704	134	27	role	role	NOUN
easat-6704	134	28	of	of	ADP
easat-6704	134	29	financial	financial	ADJ
easat-6704	134	30	efficiency	efficiency	NOUN
easat-6704	134	31	in	in	ADP
easat-6704	134	32	innovation	innovation	NOUN
easat-6704	134	33	-	-	PUNCT
easat-6704	134	34	driven	drive	VERB
easat-6704	134	35	microfinance	microfinance	NOUN
easat-6704	134	36	models	model	NOUN
easat-6704	134	37	.	.	PUNCT
easat-6704	135	1	table	table	NOUN
easat-6704	135	2	6	6	NUM
easat-6704	135	3	.	.	PUNCT
easat-6704	136	1	regression	regression	NOUN
easat-6704	136	2	model	model	NOUN
easat-6704	136	3	results	result	NOUN
easat-6704	136	4	.	.	PUNCT
easat-6704	137	1	model	model	NOUN
easat-6704	137	2	unstandardized	unstandardized	ADJ
easat-6704	137	3	coefficients	coefficient	NOUN
easat-6704	137	4	standardized	standardize	VERB
easat-6704	137	5	coefficients	coefficient	NOUN
easat-6704	137	6	t	t	PROPN
easat-6704	137	7	sig	sig	PROPN
easat-6704	137	8	.	.	PUNCT
easat-6704	138	1	collinearity	collinearity	PROPN
easat-6704	138	2	statistics	statistic	NOUN
easat-6704	138	3	b	b	NOUN
easat-6704	138	4	std	std	PROPN
easat-6704	138	5	.	.	NOUN
easat-6704	138	6	error	error	NOUN
easat-6704	138	7	beta	beta	NOUN
easat-6704	138	8	tolerance	tolerance	NOUN
easat-6704	138	9	vif	vif	NOUN
easat-6704	138	10	(	(	PUNCT
easat-6704	138	11	constant	constant	ADJ
easat-6704	138	12	)	)	PUNCT
easat-6704	138	13	0.684	0.684	NUM
easat-6704	138	14	0.159	0.159	NUM
easat-6704	138	15	4.301	4.301	NUM
easat-6704	138	16	0	0	NUM
easat-6704	138	17	0.684	0.684	NUM
easat-6704	138	18	0.159	0.159	NUM
easat-6704	138	19	cm	cm	NOUN
easat-6704	138	20	-0.057	-0.057	NOUN
easat-6704	138	21	0.061	0.061	NUM
easat-6704	138	22	-0.062	-0.062	PROPN
easat-6704	138	23	-0.934	-0.934	PUNCT
easat-6704	138	24	0.351	0.351	NUM
easat-6704	138	25	-0.057	-0.057	NOUN
easat-6704	138	26	0.061	0.061	NUM
easat-6704	138	27	bm	bm	PROPN
easat-6704	138	28	0.193	0.193	NUM
easat-6704	138	29	0.063	0.063	NUM
easat-6704	138	30	0.212	0.212	NUM
easat-6704	138	31	3.063	3.063	NUM
easat-6704	138	32	0.002	0.002	NUM
easat-6704	138	33	0.193	0.193	NUM
easat-6704	138	34	0.063	0.063	NUM
easat-6704	138	35	dt	dt	ADP
easat-6704	138	36	0.229	0.229	NUM
easat-6704	138	37	0.059	0.059	NUM
easat-6704	138	38	0.262	0.262	NUM
easat-6704	138	39	3.881	3.881	NUM
easat-6704	138	40	0	0	NUM
easat-6704	138	41	0.229	0.229	NUM
easat-6704	138	42	0.059	0.059	NUM
easat-6704	138	43	mf	mf	VERB
easat-6704	138	44	0.158	0.158	NUM
easat-6704	138	45	0.074	0.074	NUM
easat-6704	138	46	0.163	0.163	NUM
easat-6704	138	47	2.135	2.135	NUM
easat-6704	138	48	0.034	0.034	NUM
easat-6704	138	49	0.158	0.158	NUM
easat-6704	138	50	0.074	0.074	NUM
easat-6704	138	51	gc	gc	PROPN
easat-6704	138	52	0.271	0.271	NUM
easat-6704	138	53	0.067	0.067	NUM
easat-6704	138	54	0.284	0.284	NUM
easat-6704	138	55	4.045	4.045	NUM
easat-6704	138	56	0	0	NUM
easat-6704	138	57	0.271	0.271	NUM
easat-6704	138	58	0.067	0.067	NUM
easat-6704	138	59	adjusted	adjust	VERB
easat-6704	138	60	r	r	NOUN
easat-6704	138	61	=	=	PUNCT
easat-6704	138	62	65,9	65,9	NUM
easat-6704	138	63	%	%	NOUN
easat-6704	138	64	durbin	durbin	ADJ
easat-6704	138	65	–	–	PUNCT
easat-6704	138	66	watson	watson	NOUN
easat-6704	138	67	=	=	PROPN
easat-6704	138	68	1.904	1.904	NUM
easat-6704	138	69	sig	sig	NOUN
easat-6704	138	70	.	.	PUNCT
easat-6704	138	71	of	of	ADP
easat-6704	138	72	anova	anova	PROPN
easat-6704	138	73	test	test	NOUN
easat-6704	138	74	=	=	PUNCT
easat-6704	138	75	0.000	0.000	NUM
easat-6704	138	76	4.4	4.4	NUM
easat-6704	138	77	.	.	PUNCT
easat-6704	139	1	results	result	VERB
easat-6704	139	2	discussions	discussion	NOUN
easat-6704	139	3	the	the	DET
easat-6704	139	4	empirical	empirical	ADJ
easat-6704	139	5	findings	finding	NOUN
easat-6704	139	6	of	of	ADP
easat-6704	139	7	this	this	DET
easat-6704	139	8	study	study	NOUN
easat-6704	139	9	provide	provide	VERB
easat-6704	139	10	critical	critical	ADJ
easat-6704	139	11	insights	insight	NOUN
easat-6704	139	12	into	into	ADP
easat-6704	139	13	the	the	DET
easat-6704	139	14	determinants	determinant	NOUN
easat-6704	139	15	influencing	influence	VERB
easat-6704	139	16	the	the	DET
easat-6704	139	17	operational	operational	ADJ
easat-6704	139	18	sustainability	sustainability	NOUN
easat-6704	139	19	of	of	ADP
easat-6704	139	20	vietnamese	vietnamese	ADJ
easat-6704	139	21	microfinance	microfinance	NOUN
easat-6704	139	22	institutions	institution	NOUN
easat-6704	139	23	(	(	PUNCT
easat-6704	139	24	mfis	mfis	PROPN
easat-6704	139	25	)	)	PUNCT
easat-6704	139	26	.	.	PUNCT
easat-6704	140	1	with	with	ADP
easat-6704	140	2	an	an	DET
easat-6704	140	3	adjusted	adjusted	ADJ
easat-6704	140	4	r²	r²	NOUN
easat-6704	140	5	of	of	ADP
easat-6704	140	6	65.9	65.9	NUM
easat-6704	140	7	%	%	NOUN
easat-6704	140	8	,	,	PUNCT
easat-6704	140	9	the	the	DET
easat-6704	140	10	regression	regression	NOUN
easat-6704	140	11	model	model	NOUN
easat-6704	140	12	demonstrates	demonstrate	VERB
easat-6704	140	13	robust	robust	ADJ
easat-6704	140	14	explanatory	explanatory	ADJ
easat-6704	140	15	power	power	NOUN
easat-6704	140	16	,	,	PUNCT
easat-6704	140	17	indicating	indicate	VERB
easat-6704	140	18	that	that	SCONJ
easat-6704	140	19	the	the	DET
easat-6704	140	20	selected	select	VERB
easat-6704	140	21	variables	variable	NOUN
easat-6704	140	22	—	—	PUNCT
easat-6704	140	23	governance	governance	NOUN
easat-6704	140	24	and	and	CCONJ
easat-6704	140	25	compliance	compliance	NOUN
easat-6704	140	26	,	,	PUNCT
easat-6704	140	27	digital	digital	ADJ
easat-6704	140	28	transformation	transformation	NOUN
easat-6704	140	29	,	,	PUNCT
easat-6704	140	30	macroeconomic	macroeconomic	ADJ
easat-6704	140	31	conditions	condition	NOUN
easat-6704	140	32	,	,	PUNCT
easat-6704	140	33	business	business	NOUN
easat-6704	140	34	model	model	NOUN
easat-6704	140	35	diversification	diversification	NOUN
easat-6704	140	36	,	,	PUNCT
easat-6704	140	37	and	and	CCONJ
easat-6704	140	38	cost	cost	NOUN
easat-6704	140	39	management	management	NOUN
easat-6704	140	40	—	—	PUNCT
easat-6704	140	41	collectively	collectively	ADV
easat-6704	140	42	account	account	VERB
easat-6704	140	43	for	for	ADP
easat-6704	140	44	a	a	DET
easat-6704	140	45	significant	significant	ADJ
easat-6704	140	46	proportion	proportion	NOUN
easat-6704	140	47	of	of	ADP
easat-6704	140	48	the	the	DET
easat-6704	140	49	variance	variance	NOUN
easat-6704	140	50	in	in	ADP
easat-6704	140	51	perceived	perceive	VERB
easat-6704	140	52	sustainability	sustainability	NOUN
easat-6704	140	53	.	.	PUNCT
easat-6704	141	1	governance	governance	NOUN
easat-6704	141	2	and	and	CCONJ
easat-6704	141	3	compliance	compliance	NOUN
easat-6704	141	4	(	(	PUNCT
easat-6704	141	5	gc	gc	PROPN
easat-6704	141	6	)	)	PUNCT
easat-6704	141	7	emerged	emerge	VERB
easat-6704	141	8	as	as	ADP
easat-6704	141	9	the	the	DET
easat-6704	141	10	most	most	ADV
easat-6704	141	11	influential	influential	ADJ
easat-6704	141	12	predictor	predictor	NOUN
easat-6704	141	13	(	(	PUNCT
easat-6704	141	14	β	β	X
easat-6704	141	15	=	=	SYM
easat-6704	141	16	0.284	0.284	NUM
easat-6704	141	17	,	,	PUNCT
easat-6704	141	18	p	p	X
easat-6704	141	19	<	<	X
easat-6704	141	20	0.001	0.001	NUM
easat-6704	141	21	)	)	PUNCT
easat-6704	141	22	,	,	PUNCT
easat-6704	141	23	underscoring	underscore	VERB
easat-6704	141	24	the	the	DET
easat-6704	141	25	centrality	centrality	NOUN
easat-6704	141	26	of	of	ADP
easat-6704	141	27	institutional	institutional	ADJ
easat-6704	141	28	governance	governance	NOUN
easat-6704	141	29	in	in	ADP
easat-6704	141	30	the	the	DET
easat-6704	141	31	sustainability	sustainability	NOUN
easat-6704	141	32	discourse	discourse	NOUN
easat-6704	141	33	.	.	PUNCT
easat-6704	142	1	this	this	DET
easat-6704	142	2	finding	finding	NOUN
easat-6704	142	3	reaffirms	reaffirm	VERB
easat-6704	142	4	that	that	PRON
easat-6704	142	5	robust	robust	ADJ
easat-6704	142	6	governance	governance	NOUN
easat-6704	142	7	systems	system	NOUN
easat-6704	142	8	are	be	AUX
easat-6704	142	9	essential	essential	ADJ
easat-6704	142	10	for	for	ADP
easat-6704	142	11	mfis	mfis	NOUN
easat-6704	142	12	operating	operate	VERB
easat-6704	142	13	in	in	ADP
easat-6704	142	14	transitional	transitional	ADJ
easat-6704	142	15	regulatory	regulatory	ADJ
easat-6704	142	16	environments	environment	NOUN
easat-6704	142	17	,	,	PUNCT
easat-6704	142	18	such	such	ADJ
easat-6704	142	19	as	as	ADP
easat-6704	142	20	vietnam	vietnam	PROPN
easat-6704	142	21	’s	’s	PART
easat-6704	142	22	,	,	PUNCT
easat-6704	142	23	where	where	SCONJ
easat-6704	142	24	many	many	ADJ
easat-6704	142	25	institutions	institution	NOUN
easat-6704	142	26	remain	remain	VERB
easat-6704	142	27	semi	semi	ADJ
easat-6704	142	28	-	-	ADJ
easat-6704	142	29	formal	formal	ADJ
easat-6704	142	30	or	or	CCONJ
easat-6704	142	31	ngo	ngo	PROPN
easat-6704	142	32	-	-	PUNCT
easat-6704	142	33	based	base	VERB
easat-6704	142	34	.	.	PUNCT
easat-6704	143	1	effective	effective	ADJ
easat-6704	143	2	governance	governance	NOUN
easat-6704	143	3	—	—	PUNCT
easat-6704	143	4	through	through	ADP
easat-6704	143	5	internal	internal	ADJ
easat-6704	143	6	audits	audits	NOUN
easat-6704	143	7	,	,	PUNCT
easat-6704	143	8	transparent	transparent	ADJ
easat-6704	143	9	leadership	leadership	NOUN
easat-6704	143	10	,	,	PUNCT
easat-6704	143	11	regulatory	regulatory	ADJ
easat-6704	143	12	compliance	compliance	NOUN
easat-6704	143	13	,	,	PUNCT
easat-6704	143	14	and	and	CCONJ
easat-6704	143	15	mission	mission	NOUN
easat-6704	143	16	alignment	alignment	NOUN
easat-6704	143	17	—	—	PUNCT
easat-6704	143	18	reduces	reduce	VERB
easat-6704	143	19	agency	agency	NOUN
easat-6704	143	20	costs	cost	NOUN
easat-6704	143	21	,	,	PUNCT
easat-6704	143	22	enhances	enhance	VERB
easat-6704	143	23	stakeholder	stakeholder	NOUN
easat-6704	143	24	trust	trust	NOUN
easat-6704	143	25	,	,	PUNCT
easat-6704	143	26	and	and	CCONJ
easat-6704	143	27	ensures	ensure	VERB
easat-6704	143	28	operational	operational	ADJ
easat-6704	143	29	continuity	continuity	NOUN
easat-6704	143	30	.	.	PUNCT
easat-6704	144	1	prior	prior	ADJ
easat-6704	144	2	research	research	NOUN
easat-6704	144	3	has	have	AUX
easat-6704	144	4	consistently	consistently	ADV
easat-6704	144	5	linked	link	VERB
easat-6704	144	6	governance	governance	NOUN
easat-6704	144	7	quality	quality	NOUN
easat-6704	144	8	with	with	ADP
easat-6704	144	9	reduced	reduce	VERB
easat-6704	144	10	credit	credit	NOUN
easat-6704	144	11	risk	risk	NOUN
easat-6704	144	12	,	,	PUNCT
easat-6704	144	13	improved	improved	ADJ
easat-6704	144	14	client	client	NOUN
easat-6704	144	15	retention	retention	NOUN
easat-6704	144	16	,	,	PUNCT
easat-6704	144	17	and	and	CCONJ
easat-6704	144	18	heightened	heighten	VERB
easat-6704	144	19	institutional	institutional	ADJ
easat-6704	144	20	legitimacy	legitimacy	NOUN
easat-6704	144	21	[	[	X
easat-6704	144	22	8	8	NUM
easat-6704	144	23	,	,	PUNCT
easat-6704	144	24	9	9	NUM
easat-6704	144	25	]	]	PUNCT
easat-6704	144	26	.	.	PUNCT
easat-6704	145	1	for	for	SCONJ
easat-6704	145	2	vietnamese	vietnamese	PROPN
easat-6704	145	3	mfis	mfis	VERB
easat-6704	145	4	,	,	PUNCT
easat-6704	145	5	increasingly	increasingly	ADV
easat-6704	145	6	subject	subject	ADJ
easat-6704	145	7	to	to	ADP
easat-6704	145	8	oversight	oversight	NOUN
easat-6704	145	9	from	from	ADP
easat-6704	145	10	the	the	DET
easat-6704	145	11	state	state	NOUN
easat-6704	145	12	bank	bank	PROPN
easat-6704	145	13	of	of	ADP
easat-6704	145	14	vietnam	vietnam	PROPN
easat-6704	145	15	and	and	CCONJ
easat-6704	145	16	development	development	NOUN
easat-6704	145	17	agencies	agency	NOUN
easat-6704	145	18	,	,	PUNCT
easat-6704	145	19	the	the	DET
easat-6704	145	20	evidence	evidence	NOUN
easat-6704	145	21	strongly	strongly	ADV
easat-6704	145	22	suggests	suggest	VERB
easat-6704	145	23	that	that	SCONJ
easat-6704	145	24	governance	governance	NOUN
easat-6704	145	25	must	must	AUX
easat-6704	145	26	be	be	AUX
easat-6704	145	27	treated	treat	VERB
easat-6704	145	28	as	as	ADP
easat-6704	145	29	a	a	DET
easat-6704	145	30	strategic	strategic	ADJ
easat-6704	145	31	asset	asset	NOUN
easat-6704	145	32	,	,	PUNCT
easat-6704	145	33	not	not	PART
easat-6704	145	34	merely	merely	ADV
easat-6704	145	35	a	a	DET
easat-6704	145	36	compliance	compliance	NOUN
easat-6704	145	37	requirement	requirement	NOUN
easat-6704	145	38	.	.	PUNCT
easat-6704	146	1	digital	digital	ADJ
easat-6704	146	2	transformation	transformation	NOUN
easat-6704	146	3	(	(	PUNCT
easat-6704	146	4	dt	dt	PROPN
easat-6704	146	5	)	)	PUNCT
easat-6704	146	6	was	be	AUX
easat-6704	146	7	also	also	ADV
easat-6704	146	8	a	a	DET
easat-6704	146	9	significant	significant	ADJ
easat-6704	146	10	and	and	CCONJ
easat-6704	146	11	positive	positive	ADJ
easat-6704	146	12	determinant	determinant	ADJ
easat-6704	146	13	(	(	PUNCT
easat-6704	146	14	β	β	X
easat-6704	146	15	=	=	PUNCT
easat-6704	146	16	0.262	0.262	NUM
easat-6704	146	17	,	,	PUNCT
easat-6704	146	18	p	p	X
easat-6704	146	19	<	<	X
easat-6704	146	20	0.001	0.001	NUM
easat-6704	146	21	)	)	PUNCT
easat-6704	146	22	,	,	PUNCT
easat-6704	146	23	affirming	affirm	VERB
easat-6704	146	24	the	the	DET
easat-6704	146	25	transformative	transformative	ADJ
easat-6704	146	26	impact	impact	NOUN
easat-6704	146	27	of	of	ADP
easat-6704	146	28	technology	technology	NOUN
easat-6704	146	29	on	on	ADP
easat-6704	146	30	microfinance	microfinance	NOUN
easat-6704	146	31	operations	operation	NOUN
easat-6704	146	32	.	.	PUNCT
easat-6704	147	1	digital	digital	ADJ
easat-6704	147	2	tools	tool	NOUN
easat-6704	147	3	such	such	ADJ
easat-6704	147	4	as	as	ADP
easat-6704	147	5	mobile	mobile	ADJ
easat-6704	147	6	banking	banking	NOUN
easat-6704	147	7	,	,	PUNCT
easat-6704	147	8	cloud	cloud	NOUN
easat-6704	147	9	-	-	PUNCT
easat-6704	147	10	based	base	VERB
easat-6704	147	11	management	management	NOUN
easat-6704	147	12	information	information	NOUN
easat-6704	147	13	systems	system	NOUN
easat-6704	147	14	,	,	PUNCT
easat-6704	147	15	and	and	CCONJ
easat-6704	147	16	ai	ai	AUX
easat-6704	147	17	-	-	PUNCT
easat-6704	147	18	supported	support	VERB
easat-6704	147	19	credit	credit	NOUN
easat-6704	147	20	scoring	scoring	NOUN
easat-6704	147	21	have	have	AUX
easat-6704	147	22	enabled	enable	VERB
easat-6704	147	23	mfis	mfis	PROPN
easat-6704	147	24	to	to	PART
easat-6704	147	25	scale	scale	VERB
easat-6704	147	26	their	their	PRON
easat-6704	147	27	outreach	outreach	NOUN
easat-6704	147	28	,	,	PUNCT
easat-6704	147	29	lower	low	ADJ
easat-6704	147	30	transaction	transaction	NOUN
easat-6704	147	31	costs	cost	NOUN
easat-6704	147	32	,	,	PUNCT
easat-6704	147	33	and	and	CCONJ
easat-6704	147	34	improve	improve	VERB
easat-6704	147	35	service	service	NOUN
easat-6704	147	36	quality	quality	NOUN
easat-6704	147	37	.	.	PUNCT
easat-6704	148	1	in	in	ADP
easat-6704	148	2	vietnam	vietnam	PROPN
easat-6704	148	3	,	,	PUNCT
easat-6704	148	4	where	where	SCONJ
easat-6704	148	5	mobile	mobile	ADJ
easat-6704	148	6	penetration	penetration	NOUN
easat-6704	148	7	is	be	AUX
easat-6704	148	8	rapidly	rapidly	ADV
easat-6704	148	9	increasing	increase	VERB
easat-6704	148	10	,	,	PUNCT
easat-6704	148	11	even	even	ADV
easat-6704	148	12	in	in	ADP
easat-6704	148	13	rural	rural	ADJ
easat-6704	148	14	areas	area	NOUN
easat-6704	148	15	,	,	PUNCT
easat-6704	148	16	digitalization	digitalization	NOUN
easat-6704	148	17	has	have	AUX
easat-6704	148	18	become	become	VERB
easat-6704	148	19	not	not	PART
easat-6704	148	20	only	only	ADV
easat-6704	148	21	feasible	feasible	ADJ
easat-6704	148	22	but	but	CCONJ
easat-6704	148	23	imperative	imperative	ADJ
easat-6704	149	1	[	[	X
easat-6704	149	2	10	10	NUM
easat-6704	149	3	,	,	PUNCT
easat-6704	149	4	11	11	NUM
easat-6704	149	5	]	]	PUNCT
easat-6704	149	6	.	.	PUNCT
easat-6704	150	1	this	this	DET
easat-6704	150	2	finding	finding	NOUN
easat-6704	150	3	aligns	align	VERB
easat-6704	150	4	with	with	ADP
easat-6704	150	5	global	global	ADJ
easat-6704	150	6	evidence	evidence	NOUN
easat-6704	150	7	suggesting	suggest	VERB
easat-6704	150	8	that	that	SCONJ
easat-6704	150	9	digital	digital	ADJ
easat-6704	150	10	maturity	maturity	NOUN
easat-6704	150	11	enhances	enhance	VERB
easat-6704	150	12	institutional	institutional	ADJ
easat-6704	150	13	agility	agility	NOUN
easat-6704	150	14	and	and	CCONJ
easat-6704	150	15	client	client	NOUN
easat-6704	150	16	satisfaction	satisfaction	NOUN
easat-6704	150	17	.	.	PUNCT
easat-6704	151	1	however	however	ADV
easat-6704	151	2	,	,	PUNCT
easat-6704	151	3	the	the	DET
easat-6704	151	4	significance	significance	NOUN
easat-6704	151	5	of	of	ADP
easat-6704	151	6	dt	dt	PROPN
easat-6704	151	7	also	also	ADV
easat-6704	151	8	implies	imply	VERB
easat-6704	151	9	that	that	PRON
easat-6704	151	10	mfis	mfi	VERB
easat-6704	151	11	failing	fail	VERB
easat-6704	151	12	to	to	PART
easat-6704	151	13	invest	invest	VERB
easat-6704	151	14	in	in	ADP
easat-6704	151	15	digital	digital	ADJ
easat-6704	151	16	infrastructure	infrastructure	NOUN
easat-6704	151	17	risk	risk	NOUN
easat-6704	151	18	becoming	become	VERB
easat-6704	151	19	obsolete	obsolete	ADJ
easat-6704	151	20	,	,	PUNCT
easat-6704	151	21	particularly	particularly	ADV
easat-6704	151	22	as	as	SCONJ
easat-6704	151	23	client	client	NOUN
easat-6704	151	24	expectations	expectation	NOUN
easat-6704	151	25	and	and	CCONJ
easat-6704	151	26	competitive	competitive	ADJ
easat-6704	151	27	pressures	pressure	NOUN
easat-6704	151	28	intensify	intensify	VERB
easat-6704	151	29	.	.	PUNCT
easat-6704	152	1	macroeconomic	macroeconomic	ADJ
easat-6704	152	2	factors	factor	NOUN
easat-6704	152	3	(	(	PUNCT
easat-6704	152	4	mf	mf	X
easat-6704	152	5	)	)	PUNCT
easat-6704	152	6	showed	show	VERB
easat-6704	152	7	a	a	DET
easat-6704	152	8	moderate	moderate	ADJ
easat-6704	152	9	but	but	CCONJ
easat-6704	152	10	statistically	statistically	ADV
easat-6704	152	11	significant	significant	ADJ
easat-6704	152	12	effect	effect	NOUN
easat-6704	152	13	on	on	ADP
easat-6704	152	14	sustainability	sustainability	NOUN
easat-6704	152	15	(	(	PUNCT
easat-6704	152	16	β	β	X
easat-6704	152	17	=	=	SYM
easat-6704	152	18	0.163	0.163	NUM
easat-6704	152	19	,	,	PUNCT
easat-6704	152	20	p	p	NOUN
easat-6704	152	21	=	=	NOUN
easat-6704	152	22	0.034	0.034	NUM
easat-6704	152	23	)	)	PUNCT
easat-6704	152	24	.	.	PUNCT
easat-6704	153	1	this	this	DET
easat-6704	153	2	outcome	outcome	NOUN
easat-6704	153	3	confirms	confirm	VERB
easat-6704	153	4	that	that	SCONJ
easat-6704	153	5	mfis	mfis	VERB
easat-6704	153	6	,	,	PUNCT
easat-6704	153	7	due	due	ADP
easat-6704	153	8	to	to	ADP
easat-6704	153	9	their	their	PRON
easat-6704	153	10	clientele	clientele	NOUN
easat-6704	153	11	’s	’s	PART
easat-6704	153	12	exposure	exposure	NOUN
easat-6704	153	13	to	to	ADP
easat-6704	153	14	informal	informal	ADJ
easat-6704	153	15	2997	2997	NUM
easat-6704	153	16	edelweiss	edelweiss	PROPN
easat-6704	153	17	applied	apply	VERB
easat-6704	153	18	science	science	NOUN
easat-6704	153	19	and	and	CCONJ
easat-6704	153	20	technology	technology	NOUN
easat-6704	153	21	issn	issn	PROPN
easat-6704	153	22	:	:	PUNCT
easat-6704	153	23	2576	2576	NUM
easat-6704	153	24	-	-	SYM
easat-6704	153	25	8484	8484	NUM
easat-6704	153	26	vol	vol	NOUN
easat-6704	153	27	.	.	PROPN
easat-6704	154	1	9	9	NUM
easat-6704	154	2	,	,	PUNCT
easat-6704	154	3	no	no	INTJ
easat-6704	154	4	.	.	NOUN
easat-6704	154	5	4	4	NUM
easat-6704	154	6	:	:	PUNCT
easat-6704	154	7	2990	2990	NUM
easat-6704	154	8	-	-	SYM
easat-6704	154	9	2999	2999	NUM
easat-6704	154	10	,	,	PUNCT
easat-6704	154	11	2025	2025	NUM
easat-6704	154	12	doi	doi	NOUN
easat-6704	154	13	:	:	PUNCT
easat-6704	154	14	10.55214/25768484.v9i4.6704	10.55214/25768484.v9i4.6704	NUM
easat-6704	154	15	©	©	ADP
easat-6704	154	16	2025	2025	NUM
easat-6704	154	17	by	by	ADP
easat-6704	154	18	the	the	DET
easat-6704	154	19	authors	author	NOUN
easat-6704	154	20	;	;	PUNCT
easat-6704	154	21	licensee	licensee	PROPN
easat-6704	154	22	learning	learn	VERB
easat-6704	154	23	gate	gate	NOUN
easat-6704	154	24	sectors	sector	NOUN
easat-6704	154	25	and	and	CCONJ
easat-6704	154	26	limited	limited	ADJ
easat-6704	154	27	financial	financial	ADJ
easat-6704	154	28	resilience	resilience	NOUN
easat-6704	154	29	,	,	PUNCT
easat-6704	154	30	are	be	AUX
easat-6704	154	31	more	more	ADV
easat-6704	154	32	vulnerable	vulnerable	ADJ
easat-6704	154	33	to	to	ADP
easat-6704	154	34	macroeconomic	macroeconomic	ADJ
easat-6704	154	35	fluctuations	fluctuation	NOUN
easat-6704	154	36	than	than	ADP
easat-6704	154	37	commercial	commercial	ADJ
easat-6704	154	38	banks	bank	NOUN
easat-6704	154	39	.	.	PUNCT
easat-6704	155	1	variables	variable	NOUN
easat-6704	155	2	such	such	ADJ
easat-6704	155	3	as	as	ADP
easat-6704	155	4	inflation	inflation	NOUN
easat-6704	155	5	,	,	PUNCT
easat-6704	155	6	interest	interest	NOUN
easat-6704	155	7	rate	rate	NOUN
easat-6704	155	8	volatility	volatility	NOUN
easat-6704	155	9	,	,	PUNCT
easat-6704	155	10	and	and	CCONJ
easat-6704	155	11	gdp	gdp	NOUN
easat-6704	155	12	growth	growth	NOUN
easat-6704	155	13	influence	influence	NOUN
easat-6704	155	14	repayment	repayment	NOUN
easat-6704	155	15	capacity	capacity	NOUN
easat-6704	155	16	,	,	PUNCT
easat-6704	155	17	loan	loan	NOUN
easat-6704	155	18	demand	demand	NOUN
easat-6704	155	19	,	,	PUNCT
easat-6704	155	20	and	and	CCONJ
easat-6704	155	21	overall	overall	ADJ
easat-6704	155	22	portfolio	portfolio	NOUN
easat-6704	155	23	performance	performance	NOUN
easat-6704	155	24	.	.	PUNCT
easat-6704	156	1	in	in	ADP
easat-6704	156	2	vietnam	vietnam	PROPN
easat-6704	156	3	,	,	PUNCT
easat-6704	156	4	economic	economic	ADJ
easat-6704	156	5	stability	stability	NOUN
easat-6704	156	6	enhances	enhance	VERB
easat-6704	156	7	mfis	mfis	VERB
easat-6704	156	8	’	'	PUNCT
easat-6704	156	9	ability	ability	NOUN
easat-6704	156	10	to	to	PART
easat-6704	156	11	plan	plan	VERB
easat-6704	156	12	strategically	strategically	ADV
easat-6704	156	13	and	and	CCONJ
easat-6704	156	14	manage	manage	VERB
easat-6704	156	15	liquidity	liquidity	NOUN
easat-6704	156	16	,	,	PUNCT
easat-6704	156	17	whereas	whereas	SCONJ
easat-6704	156	18	volatility	volatility	NOUN
easat-6704	156	19	increases	increase	VERB
easat-6704	156	20	institutional	institutional	ADJ
easat-6704	156	21	risk	risk	NOUN
easat-6704	156	22	and	and	CCONJ
easat-6704	156	23	client	client	NOUN
easat-6704	156	24	default	default	NOUN
easat-6704	156	25	rates	rate	NOUN
easat-6704	156	26	.	.	PUNCT
easat-6704	157	1	while	while	SCONJ
easat-6704	157	2	mfis	mfis	PROPN
easat-6704	157	3	can	can	AUX
easat-6704	157	4	not	not	PART
easat-6704	157	5	directly	directly	ADV
easat-6704	157	6	control	control	VERB
easat-6704	157	7	macroeconomic	macroeconomic	ADJ
easat-6704	157	8	shocks	shock	NOUN
easat-6704	157	9	,	,	PUNCT
easat-6704	157	10	the	the	DET
easat-6704	157	11	findings	finding	NOUN
easat-6704	157	12	suggest	suggest	VERB
easat-6704	157	13	the	the	DET
easat-6704	157	14	necessity	necessity	NOUN
easat-6704	157	15	of	of	ADP
easat-6704	157	16	building	build	VERB
easat-6704	157	17	adaptive	adaptive	ADJ
easat-6704	157	18	risk	risk	NOUN
easat-6704	157	19	models	model	NOUN
easat-6704	157	20	and	and	CCONJ
easat-6704	157	21	financial	financial	ADJ
easat-6704	157	22	buffers	buffer	NOUN
easat-6704	157	23	to	to	PART
easat-6704	157	24	mitigate	mitigate	VERB
easat-6704	157	25	external	external	ADJ
easat-6704	157	26	vulnerabilities	vulnerability	NOUN
easat-6704	157	27	.	.	PUNCT
easat-6704	158	1	business	business	NOUN
easat-6704	158	2	model	model	NOUN
easat-6704	158	3	diversification	diversification	NOUN
easat-6704	158	4	(	(	PUNCT
easat-6704	158	5	bm	bm	PROPN
easat-6704	158	6	)	)	PUNCT
easat-6704	158	7	also	also	ADV
easat-6704	158	8	demonstrated	demonstrate	VERB
easat-6704	158	9	a	a	DET
easat-6704	158	10	positive	positive	ADJ
easat-6704	158	11	and	and	CCONJ
easat-6704	158	12	statistically	statistically	ADV
easat-6704	158	13	significant	significant	ADJ
easat-6704	158	14	influence	influence	NOUN
easat-6704	158	15	on	on	ADP
easat-6704	158	16	sustainability	sustainability	NOUN
easat-6704	158	17	(	(	PUNCT
easat-6704	158	18	β	β	X
easat-6704	158	19	=	=	PUNCT
easat-6704	158	20	0.212	0.212	NUM
easat-6704	158	21	,	,	PUNCT
easat-6704	158	22	p	p	X
easat-6704	158	23	=	=	NOUN
easat-6704	158	24	0.002	0.002	NUM
easat-6704	158	25	)	)	PUNCT
easat-6704	158	26	.	.	PUNCT
easat-6704	159	1	diversified	diversify	VERB
easat-6704	159	2	mfis	mfis	NOUN
easat-6704	159	3	—	—	PUNCT
easat-6704	159	4	those	those	PRON
easat-6704	159	5	offering	offer	VERB
easat-6704	159	6	a	a	DET
easat-6704	159	7	mix	mix	NOUN
easat-6704	159	8	of	of	ADP
easat-6704	159	9	credit	credit	NOUN
easat-6704	159	10	,	,	PUNCT
easat-6704	159	11	savings	saving	NOUN
easat-6704	159	12	,	,	PUNCT
easat-6704	159	13	insurance	insurance	NOUN
easat-6704	159	14	,	,	PUNCT
easat-6704	159	15	and	and	CCONJ
easat-6704	159	16	non	non	ADJ
easat-6704	159	17	-	-	ADJ
easat-6704	159	18	financial	financial	ADJ
easat-6704	159	19	services	service	NOUN
easat-6704	159	20	—	—	PUNCT
easat-6704	159	21	are	be	AUX
easat-6704	159	22	better	well	ADV
easat-6704	159	23	equipped	equip	VERB
easat-6704	159	24	to	to	PART
easat-6704	159	25	stabilize	stabilize	VERB
easat-6704	159	26	revenues	revenue	NOUN
easat-6704	159	27	and	and	CCONJ
easat-6704	159	28	deepen	deepen	VERB
easat-6704	159	29	client	client	NOUN
easat-6704	159	30	engagement	engagement	NOUN
easat-6704	159	31	.	.	PUNCT
easat-6704	160	1	for	for	SCONJ
easat-6704	160	2	vietnamese	vietnamese	PROPN
easat-6704	160	3	mfis	mfi	VERB
easat-6704	160	4	,	,	PUNCT
easat-6704	160	5	currently	currently	ADV
easat-6704	160	6	concentrated	concentrate	VERB
easat-6704	160	7	in	in	ADP
easat-6704	160	8	microcredit	microcredit	PROPN
easat-6704	160	9	provision	provision	NOUN
easat-6704	160	10	,	,	PUNCT
easat-6704	160	11	this	this	DET
easat-6704	160	12	result	result	NOUN
easat-6704	160	13	signals	signal	VERB
easat-6704	160	14	a	a	DET
easat-6704	160	15	strategic	strategic	ADJ
easat-6704	160	16	opportunity	opportunity	NOUN
easat-6704	160	17	to	to	PART
easat-6704	160	18	develop	develop	VERB
easat-6704	160	19	more	more	ADV
easat-6704	160	20	holistic	holistic	ADJ
easat-6704	160	21	service	service	NOUN
easat-6704	160	22	portfolios	portfolio	NOUN
easat-6704	160	23	.	.	PUNCT
easat-6704	161	1	however	however	ADV
easat-6704	161	2	,	,	PUNCT
easat-6704	161	3	the	the	DET
easat-6704	161	4	relatively	relatively	ADV
easat-6704	161	5	smaller	small	ADJ
easat-6704	161	6	effect	effect	NOUN
easat-6704	161	7	size	size	NOUN
easat-6704	161	8	compared	compare	VERB
easat-6704	161	9	to	to	ADP
easat-6704	161	10	governance	governance	NOUN
easat-6704	161	11	and	and	CCONJ
easat-6704	161	12	digitalization	digitalization	NOUN
easat-6704	161	13	implies	imply	VERB
easat-6704	161	14	that	that	SCONJ
easat-6704	161	15	diversification	diversification	NOUN
easat-6704	161	16	alone	alone	ADV
easat-6704	161	17	does	do	AUX
easat-6704	161	18	not	not	PART
easat-6704	161	19	guarantee	guarantee	VERB
easat-6704	161	20	sustainability	sustainability	NOUN
easat-6704	161	21	unless	unless	SCONJ
easat-6704	161	22	supported	support	VERB
easat-6704	161	23	by	by	ADP
easat-6704	161	24	strong	strong	ADJ
easat-6704	161	25	institutional	institutional	ADJ
easat-6704	161	26	capacity	capacity	NOUN
easat-6704	161	27	and	and	CCONJ
easat-6704	161	28	risk	risk	NOUN
easat-6704	161	29	management	management	NOUN
easat-6704	161	30	frameworks	framework	NOUN
easat-6704	161	31	.	.	PUNCT
easat-6704	162	1	unplanned	unplanned	ADJ
easat-6704	162	2	or	or	CCONJ
easat-6704	162	3	misaligned	misaligned	ADJ
easat-6704	162	4	diversification	diversification	NOUN
easat-6704	162	5	could	could	AUX
easat-6704	162	6	otherwise	otherwise	ADV
easat-6704	162	7	strain	strain	VERB
easat-6704	162	8	resources	resource	NOUN
easat-6704	162	9	or	or	CCONJ
easat-6704	162	10	dilute	dilute	VERB
easat-6704	162	11	mission	mission	NOUN
easat-6704	162	12	effectiveness	effectiveness	NOUN
easat-6704	162	13	.	.	PUNCT
easat-6704	163	1	conversely	conversely	ADV
easat-6704	163	2	,	,	PUNCT
easat-6704	163	3	cost	cost	NOUN
easat-6704	163	4	management	management	NOUN
easat-6704	163	5	(	(	PUNCT
easat-6704	163	6	cm	cm	NOUN
easat-6704	163	7	)	)	PUNCT
easat-6704	163	8	showed	show	VERB
easat-6704	163	9	no	no	DET
easat-6704	163	10	statistically	statistically	ADV
easat-6704	163	11	significant	significant	ADJ
easat-6704	163	12	effect	effect	NOUN
easat-6704	163	13	on	on	ADP
easat-6704	163	14	operational	operational	ADJ
easat-6704	163	15	sustainability	sustainability	NOUN
easat-6704	163	16	(	(	PUNCT
easat-6704	163	17	β	β	X
easat-6704	163	18	=	=	SYM
easat-6704	163	19	-0.062	-0.062	NOUN
easat-6704	163	20	,	,	PUNCT
easat-6704	163	21	p	p	X
easat-6704	163	22	=	=	NOUN
easat-6704	163	23	0.351	0.351	NUM
easat-6704	163	24	)	)	PUNCT
easat-6704	163	25	,	,	PUNCT
easat-6704	163	26	indicating	indicate	VERB
easat-6704	163	27	a	a	DET
easat-6704	163	28	shift	shift	NOUN
easat-6704	163	29	in	in	ADP
easat-6704	163	30	performance	performance	NOUN
easat-6704	163	31	paradigms	paradigm	NOUN
easat-6704	163	32	within	within	ADP
easat-6704	163	33	the	the	DET
easat-6704	163	34	microfinance	microfinance	NOUN
easat-6704	163	35	sector	sector	NOUN
easat-6704	163	36	.	.	PUNCT
easat-6704	164	1	traditional	traditional	ADJ
easat-6704	164	2	models	model	NOUN
easat-6704	164	3	often	often	ADV
easat-6704	164	4	emphasized	emphasize	VERB
easat-6704	164	5	cost	cost	NOUN
easat-6704	164	6	-	-	PUNCT
easat-6704	164	7	efficiency	efficiency	NOUN
easat-6704	164	8	as	as	ADP
easat-6704	164	9	a	a	DET
easat-6704	164	10	cornerstone	cornerstone	NOUN
easat-6704	164	11	of	of	ADP
easat-6704	164	12	sustainability	sustainability	NOUN
easat-6704	164	13	,	,	PUNCT
easat-6704	164	14	particularly	particularly	ADV
easat-6704	164	15	in	in	ADP
easat-6704	164	16	donor	donor	NOUN
easat-6704	164	17	-	-	PUNCT
easat-6704	164	18	funded	fund	VERB
easat-6704	164	19	or	or	CCONJ
easat-6704	164	20	subsidy	subsidy	NOUN
easat-6704	164	21	-	-	PUNCT
easat-6704	164	22	dependent	dependent	ADJ
easat-6704	164	23	contexts	contexts	NOUN
easat-6704	164	24	.	.	PUNCT
easat-6704	165	1	however	however	ADV
easat-6704	165	2	,	,	PUNCT
easat-6704	165	3	in	in	ADP
easat-6704	165	4	an	an	DET
easat-6704	165	5	era	era	NOUN
easat-6704	165	6	dominated	dominate	VERB
easat-6704	165	7	by	by	ADP
easat-6704	165	8	digital	digital	ADJ
easat-6704	165	9	transformation	transformation	NOUN
easat-6704	165	10	and	and	CCONJ
easat-6704	165	11	client	client	NOUN
easat-6704	165	12	-	-	PUNCT
easat-6704	165	13	centric	centric	NOUN
easat-6704	165	14	approaches	approach	NOUN
easat-6704	165	15	,	,	PUNCT
easat-6704	165	16	excessive	excessive	ADJ
easat-6704	165	17	cost	cost	NOUN
easat-6704	165	18	-	-	PUNCT
easat-6704	165	19	cutting	cutting	NOUN
easat-6704	165	20	may	may	AUX
easat-6704	165	21	inhibit	inhibit	VERB
easat-6704	165	22	innovation	innovation	NOUN
easat-6704	165	23	,	,	PUNCT
easat-6704	165	24	compromise	compromise	NOUN
easat-6704	165	25	service	service	NOUN
easat-6704	165	26	delivery	delivery	NOUN
easat-6704	165	27	,	,	PUNCT
easat-6704	165	28	and	and	CCONJ
easat-6704	165	29	limit	limit	VERB
easat-6704	165	30	staff	staff	NOUN
easat-6704	165	31	capacity	capacity	NOUN
easat-6704	165	32	.	.	PUNCT
easat-6704	166	1	these	these	DET
easat-6704	166	2	results	result	NOUN
easat-6704	166	3	suggest	suggest	VERB
easat-6704	166	4	that	that	SCONJ
easat-6704	166	5	mfis	mfis	PROPN
easat-6704	166	6	must	must	AUX
easat-6704	166	7	prioritize	prioritize	VERB
easat-6704	166	8	strategic	strategic	ADJ
easat-6704	166	9	investments	investment	NOUN
easat-6704	166	10	in	in	ADP
easat-6704	166	11	technology	technology	NOUN
easat-6704	166	12	,	,	PUNCT
easat-6704	166	13	talent	talent	NOUN
easat-6704	166	14	,	,	PUNCT
easat-6704	166	15	and	and	CCONJ
easat-6704	166	16	governance	governance	NOUN
easat-6704	166	17	—	—	PUNCT
easat-6704	166	18	even	even	ADV
easat-6704	166	19	at	at	ADP
easat-6704	166	20	the	the	DET
easat-6704	166	21	expense	expense	NOUN
easat-6704	166	22	of	of	ADP
easat-6704	166	23	shortterm	shortterm	PROPN
easat-6704	166	24	cost	cost	NOUN
easat-6704	166	25	increases	increase	NOUN
easat-6704	166	26	.	.	PUNCT
easat-6704	167	1	in	in	ADP
easat-6704	167	2	today	today	NOUN
easat-6704	167	3	’s	’s	PART
easat-6704	167	4	environment	environment	NOUN
easat-6704	167	5	,	,	PUNCT
easat-6704	167	6	intelligent	intelligent	ADJ
easat-6704	167	7	spending	spending	NOUN
easat-6704	167	8	aimed	aim	VERB
easat-6704	167	9	at	at	ADP
easat-6704	167	10	long	long	ADJ
easat-6704	167	11	-	-	PUNCT
easat-6704	167	12	term	term	NOUN
easat-6704	167	13	capability	capability	NOUN
easat-6704	167	14	building	building	NOUN
easat-6704	167	15	may	may	AUX
easat-6704	167	16	yield	yield	VERB
easat-6704	167	17	greater	great	ADJ
easat-6704	167	18	sustainability	sustainability	NOUN
easat-6704	167	19	than	than	ADP
easat-6704	167	20	mere	mere	ADJ
easat-6704	167	21	frugality	frugality	NOUN
easat-6704	167	22	.	.	PUNCT
easat-6704	168	1	5	5	X
easat-6704	168	2	.	.	X
easat-6704	168	3	conclusions	conclusion	NOUN
easat-6704	168	4	this	this	DET
easat-6704	168	5	study	study	NOUN
easat-6704	168	6	presents	present	VERB
easat-6704	168	7	robust	robust	ADJ
easat-6704	168	8	empirical	empirical	ADJ
easat-6704	168	9	evidence	evidence	NOUN
easat-6704	168	10	on	on	ADP
easat-6704	168	11	the	the	DET
easat-6704	168	12	determinants	determinant	NOUN
easat-6704	168	13	of	of	ADP
easat-6704	168	14	operational	operational	ADJ
easat-6704	168	15	sustainability	sustainability	NOUN
easat-6704	168	16	among	among	ADP
easat-6704	168	17	mfis	mfis	PROPN
easat-6704	168	18	in	in	ADP
easat-6704	168	19	vietnam	vietnam	PROPN
easat-6704	168	20	.	.	PUNCT
easat-6704	169	1	the	the	DET
easat-6704	169	2	findings	finding	NOUN
easat-6704	169	3	underscore	underscore	VERB
easat-6704	169	4	that	that	DET
easat-6704	169	5	governance	governance	NOUN
easat-6704	169	6	and	and	CCONJ
easat-6704	169	7	compliance	compliance	NOUN
easat-6704	169	8	and	and	CCONJ
easat-6704	169	9	digital	digital	ADJ
easat-6704	169	10	transformation	transformation	NOUN
easat-6704	169	11	are	be	AUX
easat-6704	169	12	the	the	DET
easat-6704	169	13	most	most	ADV
easat-6704	169	14	influential	influential	ADJ
easat-6704	169	15	drivers	driver	NOUN
easat-6704	169	16	of	of	ADP
easat-6704	169	17	long	long	ADJ
easat-6704	169	18	-	-	PUNCT
easat-6704	169	19	term	term	NOUN
easat-6704	169	20	institutional	institutional	ADJ
easat-6704	169	21	resilience	resilience	NOUN
easat-6704	169	22	,	,	PUNCT
easat-6704	169	23	followed	follow	VERB
easat-6704	169	24	by	by	ADP
easat-6704	169	25	macroeconomic	macroeconomic	ADJ
easat-6704	169	26	stability	stability	NOUN
easat-6704	169	27	and	and	CCONJ
easat-6704	169	28	business	business	NOUN
easat-6704	169	29	model	model	NOUN
easat-6704	169	30	diversification	diversification	NOUN
easat-6704	169	31	.	.	PUNCT
easat-6704	170	1	these	these	DET
easat-6704	170	2	results	result	NOUN
easat-6704	170	3	reflect	reflect	VERB
easat-6704	170	4	the	the	DET
easat-6704	170	5	evolving	evolve	VERB
easat-6704	170	6	strategic	strategic	ADJ
easat-6704	170	7	priorities	priority	NOUN
easat-6704	170	8	of	of	ADP
easat-6704	170	9	mfis	mfis	NOUN
easat-6704	170	10	in	in	ADP
easat-6704	170	11	the	the	DET
easat-6704	170	12	context	context	NOUN
easat-6704	170	13	of	of	ADP
easat-6704	170	14	a	a	DET
easat-6704	170	15	rapidly	rapidly	ADV
easat-6704	170	16	changing	change	VERB
easat-6704	170	17	financial	financial	ADJ
easat-6704	170	18	landscape	landscape	NOUN
easat-6704	170	19	,	,	PUNCT
easat-6704	170	20	where	where	SCONJ
easat-6704	170	21	institutional	institutional	ADJ
easat-6704	170	22	quality	quality	NOUN
easat-6704	170	23	and	and	CCONJ
easat-6704	170	24	technological	technological	ADJ
easat-6704	170	25	innovation	innovation	NOUN
easat-6704	170	26	have	have	AUX
easat-6704	170	27	become	become	VERB
easat-6704	170	28	central	central	ADJ
easat-6704	170	29	to	to	ADP
easat-6704	170	30	achieving	achieve	VERB
easat-6704	170	31	both	both	CCONJ
easat-6704	170	32	financial	financial	ADJ
easat-6704	170	33	viability	viability	NOUN
easat-6704	170	34	and	and	CCONJ
easat-6704	170	35	social	social	ADJ
easat-6704	170	36	outreach	outreach	NOUN
easat-6704	170	37	.	.	PUNCT
easat-6704	171	1	the	the	DET
easat-6704	171	2	analysis	analysis	NOUN
easat-6704	171	3	reveals	reveal	VERB
easat-6704	171	4	that	that	SCONJ
easat-6704	171	5	robust	robust	ADJ
easat-6704	171	6	governance	governance	NOUN
easat-6704	171	7	frameworks	framework	NOUN
easat-6704	171	8	—	—	PUNCT
easat-6704	171	9	including	include	VERB
easat-6704	171	10	regulatory	regulatory	ADJ
easat-6704	171	11	compliance	compliance	NOUN
easat-6704	171	12	,	,	PUNCT
easat-6704	171	13	supervisory	supervisory	ADJ
easat-6704	171	14	mechanisms	mechanism	NOUN
easat-6704	171	15	,	,	PUNCT
easat-6704	171	16	and	and	CCONJ
easat-6704	171	17	transparent	transparent	ADJ
easat-6704	171	18	internal	internal	ADJ
easat-6704	171	19	controls	control	NOUN
easat-6704	171	20	—	—	PUNCT
easat-6704	171	21	not	not	PART
easat-6704	171	22	only	only	ADV
easat-6704	171	23	foster	foster	ADJ
easat-6704	171	24	accountability	accountability	NOUN
easat-6704	171	25	but	but	CCONJ
easat-6704	171	26	also	also	ADV
easat-6704	171	27	enhance	enhance	VERB
easat-6704	171	28	institutional	institutional	ADJ
easat-6704	171	29	credibility	credibility	NOUN
easat-6704	171	30	and	and	CCONJ
easat-6704	171	31	risk	risk	NOUN
easat-6704	171	32	mitigation	mitigation	NOUN
easat-6704	171	33	capacity	capacity	NOUN
easat-6704	171	34	.	.	PUNCT
easat-6704	172	1	simultaneously	simultaneously	ADV
easat-6704	172	2	,	,	PUNCT
easat-6704	172	3	digital	digital	ADJ
easat-6704	172	4	innovation	innovation	NOUN
easat-6704	172	5	functions	function	NOUN
easat-6704	172	6	as	as	ADP
easat-6704	172	7	a	a	DET
easat-6704	172	8	dual	dual	ADJ
easat-6704	172	9	lever	lever	NOUN
easat-6704	172	10	:	:	PUNCT
easat-6704	172	11	it	it	PRON
easat-6704	172	12	streamlines	streamline	VERB
easat-6704	172	13	operational	operational	ADJ
easat-6704	172	14	efficiency	efficiency	NOUN
easat-6704	172	15	while	while	SCONJ
easat-6704	172	16	expanding	expand	VERB
easat-6704	172	17	outreach	outreach	NOUN
easat-6704	172	18	,	,	PUNCT
easat-6704	172	19	enabling	enable	VERB
easat-6704	172	20	mfis	mfis	NOUN
easat-6704	172	21	to	to	PART
easat-6704	172	22	deliver	deliver	VERB
easat-6704	172	23	services	service	NOUN
easat-6704	172	24	at	at	ADP
easat-6704	172	25	scale	scale	NOUN
easat-6704	172	26	,	,	PUNCT
easat-6704	172	27	reduce	reduce	VERB
easat-6704	172	28	transaction	transaction	NOUN
easat-6704	172	29	costs	cost	NOUN
easat-6704	172	30	,	,	PUNCT
easat-6704	172	31	and	and	CCONJ
easat-6704	172	32	serve	serve	VERB
easat-6704	172	33	remote	remote	ADJ
easat-6704	172	34	or	or	CCONJ
easat-6704	172	35	underserved	underserved	ADJ
easat-6704	172	36	populations	population	NOUN
easat-6704	172	37	more	more	ADV
easat-6704	172	38	effectively	effectively	ADV
easat-6704	172	39	.	.	PUNCT
easat-6704	173	1	while	while	SCONJ
easat-6704	173	2	macroeconomic	macroeconomic	ADJ
easat-6704	173	3	conditions	condition	NOUN
easat-6704	173	4	remain	remain	VERB
easat-6704	173	5	an	an	DET
easat-6704	173	6	external	external	ADJ
easat-6704	173	7	but	but	CCONJ
easat-6704	173	8	significant	significant	ADJ
easat-6704	173	9	factor	factor	NOUN
easat-6704	173	10	—	—	PUNCT
easat-6704	173	11	affecting	affect	VERB
easat-6704	173	12	client	client	NOUN
easat-6704	173	13	repayment	repayment	NOUN
easat-6704	173	14	behavior	behavior	NOUN
easat-6704	173	15	and	and	CCONJ
easat-6704	173	16	access	access	NOUN
easat-6704	173	17	to	to	ADP
easat-6704	173	18	capital	capital	NOUN
easat-6704	173	19	—	—	PUNCT
easat-6704	173	20	mfis	mfis	PROPN
easat-6704	173	21	can	can	AUX
easat-6704	173	22	strengthen	strengthen	VERB
easat-6704	173	23	resilience	resilience	NOUN
easat-6704	173	24	by	by	ADP
easat-6704	173	25	integrating	integrate	VERB
easat-6704	173	26	dynamic	dynamic	ADJ
easat-6704	173	27	risk	risk	NOUN
easat-6704	173	28	management	management	NOUN
easat-6704	173	29	systems	system	NOUN
easat-6704	173	30	and	and	CCONJ
easat-6704	173	31	building	build	VERB
easat-6704	173	32	financial	financial	ADJ
easat-6704	173	33	buffers	buffer	NOUN
easat-6704	173	34	.	.	PUNCT
easat-6704	174	1	furthermore	furthermore	ADV
easat-6704	174	2	,	,	PUNCT
easat-6704	174	3	business	business	NOUN
easat-6704	174	4	model	model	NOUN
easat-6704	174	5	diversification	diversification	NOUN
easat-6704	174	6	,	,	PUNCT
easat-6704	174	7	through	through	ADP
easat-6704	174	8	the	the	DET
easat-6704	174	9	inclusion	inclusion	NOUN
easat-6704	174	10	of	of	ADP
easat-6704	174	11	complementary	complementary	ADJ
easat-6704	174	12	services	service	NOUN
easat-6704	174	13	such	such	ADJ
easat-6704	174	14	as	as	ADP
easat-6704	174	15	micro	micro	NOUN
easat-6704	174	16	-	-	NOUN
easat-6704	174	17	savings	saving	NOUN
easat-6704	174	18	,	,	PUNCT
easat-6704	174	19	insurance	insurance	NOUN
easat-6704	174	20	,	,	PUNCT
easat-6704	174	21	and	and	CCONJ
easat-6704	174	22	financial	financial	ADJ
easat-6704	174	23	literacy	literacy	NOUN
easat-6704	174	24	programs	program	NOUN
easat-6704	174	25	,	,	PUNCT
easat-6704	174	26	offers	offer	VERB
easat-6704	174	27	meaningful	meaningful	ADJ
easat-6704	174	28	potential	potential	NOUN
easat-6704	174	29	to	to	PART
easat-6704	174	30	broaden	broaden	VERB
easat-6704	174	31	revenue	revenue	NOUN
easat-6704	174	32	streams	stream	NOUN
easat-6704	174	33	and	and	CCONJ
easat-6704	174	34	deepen	deepen	VERB
easat-6704	174	35	client	client	NOUN
easat-6704	174	36	engagement	engagement	NOUN
easat-6704	174	37	.	.	PUNCT
easat-6704	175	1	however	however	ADV
easat-6704	175	2	,	,	PUNCT
easat-6704	175	3	such	such	ADJ
easat-6704	175	4	diversification	diversification	NOUN
easat-6704	175	5	must	must	AUX
easat-6704	175	6	be	be	AUX
easat-6704	175	7	strategically	strategically	ADV
easat-6704	175	8	managed	manage	VERB
easat-6704	175	9	to	to	PART
easat-6704	175	10	avoid	avoid	VERB
easat-6704	175	11	operational	operational	ADJ
easat-6704	175	12	overreach	overreach	NOUN
easat-6704	175	13	.	.	PUNCT
easat-6704	176	1	interestingly	interestingly	ADV
easat-6704	176	2	,	,	PUNCT
easat-6704	176	3	the	the	DET
easat-6704	176	4	study	study	NOUN
easat-6704	176	5	finds	find	VERB
easat-6704	176	6	that	that	SCONJ
easat-6704	176	7	cost	cost	NOUN
easat-6704	176	8	management	management	NOUN
easat-6704	176	9	exerts	exert	VERB
easat-6704	176	10	no	no	DET
easat-6704	176	11	significant	significant	ADJ
easat-6704	176	12	influence	influence	NOUN
easat-6704	176	13	on	on	ADP
easat-6704	176	14	sustainability	sustainability	NOUN
easat-6704	176	15	,	,	PUNCT
easat-6704	176	16	signaling	signal	VERB
easat-6704	176	17	a	a	DET
easat-6704	176	18	shift	shift	NOUN
easat-6704	176	19	from	from	ADP
easat-6704	176	20	traditional	traditional	ADJ
easat-6704	176	21	efficiency	efficiency	NOUN
easat-6704	176	22	-	-	PUNCT
easat-6704	176	23	focused	focus	VERB
easat-6704	176	24	models	model	NOUN
easat-6704	176	25	toward	toward	ADP
easat-6704	176	26	more	more	ADV
easat-6704	176	27	adaptive	adaptive	ADJ
easat-6704	176	28	and	and	CCONJ
easat-6704	176	29	investmentoriented	investmentoriente	VERB
easat-6704	176	30	approaches	approach	NOUN
easat-6704	176	31	.	.	PUNCT
easat-6704	177	1	in	in	ADP
easat-6704	177	2	this	this	DET
easat-6704	177	3	context	context	NOUN
easat-6704	177	4	,	,	PUNCT
easat-6704	177	5	operational	operational	ADJ
easat-6704	177	6	sustainability	sustainability	NOUN
easat-6704	177	7	is	be	AUX
easat-6704	177	8	increasingly	increasingly	ADV
easat-6704	177	9	driven	drive	VERB
easat-6704	177	10	by	by	ADP
easat-6704	177	11	institutional	institutional	ADJ
easat-6704	177	12	agility	agility	NOUN
easat-6704	177	13	,	,	PUNCT
easat-6704	177	14	innovation	innovation	NOUN
easat-6704	177	15	capacity	capacity	NOUN
easat-6704	177	16	,	,	PUNCT
easat-6704	177	17	and	and	CCONJ
easat-6704	177	18	strategic	strategic	ADJ
easat-6704	177	19	investment	investment	NOUN
easat-6704	177	20	rather	rather	ADV
easat-6704	177	21	than	than	ADP
easat-6704	177	22	by	by	ADP
easat-6704	177	23	cost	cost	NOUN
easat-6704	177	24	minimization	minimization	NOUN
easat-6704	177	25	alone	alone	ADV
easat-6704	177	26	.	.	PUNCT
easat-6704	178	1	2998	2998	NUM
easat-6704	178	2	edelweiss	edelweiss	PROPN
easat-6704	178	3	applied	apply	VERB
easat-6704	178	4	science	science	NOUN
easat-6704	178	5	and	and	CCONJ
easat-6704	178	6	technology	technology	NOUN
easat-6704	178	7	issn	issn	PROPN
easat-6704	178	8	:	:	PUNCT
easat-6704	178	9	2576	2576	NUM
easat-6704	178	10	-	-	SYM
easat-6704	178	11	8484	8484	NUM
easat-6704	178	12	vol	vol	NOUN
easat-6704	178	13	.	.	PROPN
easat-6704	179	1	9	9	NUM
easat-6704	179	2	,	,	PUNCT
easat-6704	179	3	no	no	INTJ
easat-6704	179	4	.	.	NOUN
easat-6704	179	5	4	4	NUM
easat-6704	179	6	:	:	PUNCT
easat-6704	179	7	2990	2990	NUM
easat-6704	179	8	-	-	SYM
easat-6704	179	9	2999	2999	NUM
easat-6704	179	10	,	,	PUNCT
easat-6704	179	11	2025	2025	NUM
easat-6704	179	12	doi	doi	NOUN
easat-6704	179	13	:	:	PUNCT
easat-6704	179	14	10.55214/25768484.v9i4.6704	10.55214/25768484.v9i4.6704	NUM
easat-6704	179	15	©	©	ADP
easat-6704	179	16	2025	2025	NUM
easat-6704	179	17	by	by	ADP
easat-6704	179	18	the	the	DET
easat-6704	179	19	authors	author	NOUN
easat-6704	179	20	;	;	PUNCT
easat-6704	179	21	licensee	licensee	PROPN
easat-6704	179	22	learning	learn	VERB
easat-6704	179	23	gate	gate	NOUN
easat-6704	179	24	policy	policy	NOUN
easat-6704	179	25	and	and	CCONJ
easat-6704	179	26	managerial	managerial	ADJ
easat-6704	179	27	implications	implication	NOUN
easat-6704	179	28	:	:	PUNCT
easat-6704	179	29	the	the	DET
easat-6704	179	30	findings	finding	NOUN
easat-6704	179	31	offer	offer	VERB
easat-6704	179	32	actionable	actionable	ADJ
easat-6704	179	33	insights	insight	NOUN
easat-6704	179	34	for	for	ADP
easat-6704	179	35	policymakers	policymaker	NOUN
easat-6704	179	36	,	,	PUNCT
easat-6704	179	37	development	development	NOUN
easat-6704	179	38	practitioners	practitioner	NOUN
easat-6704	179	39	,	,	PUNCT
easat-6704	179	40	and	and	CCONJ
easat-6704	179	41	mfi	mfi	PROPN
easat-6704	179	42	leaders	leader	NOUN
easat-6704	179	43	.	.	PUNCT
easat-6704	180	1	specifically	specifically	ADV
easat-6704	180	2	,	,	PUNCT
easat-6704	180	3	efforts	effort	NOUN
easat-6704	180	4	to	to	PART
easat-6704	180	5	enhance	enhance	VERB
easat-6704	180	6	sector	sector	NOUN
easat-6704	180	7	sustainability	sustainability	NOUN
easat-6704	180	8	should	should	AUX
easat-6704	180	9	prioritize	prioritize	VERB
easat-6704	180	10	the	the	DET
easat-6704	180	11	strengthening	strengthening	NOUN
easat-6704	180	12	of	of	ADP
easat-6704	180	13	governance	governance	NOUN
easat-6704	180	14	systems	system	NOUN
easat-6704	180	15	,	,	PUNCT
easat-6704	180	16	the	the	DET
easat-6704	180	17	acceleration	acceleration	NOUN
easat-6704	180	18	of	of	ADP
easat-6704	180	19	digital	digital	ADJ
easat-6704	180	20	infrastructure	infrastructure	NOUN
easat-6704	180	21	adoption	adoption	NOUN
easat-6704	180	22	,	,	PUNCT
easat-6704	180	23	and	and	CCONJ
easat-6704	180	24	the	the	DET
easat-6704	180	25	development	development	NOUN
easat-6704	180	26	of	of	ADP
easat-6704	180	27	diversified	diversified	ADJ
easat-6704	180	28	,	,	PUNCT
easat-6704	180	29	client	client	NOUN
easat-6704	180	30	-	-	PUNCT
easat-6704	180	31	centric	centric	ADJ
easat-6704	180	32	service	service	NOUN
easat-6704	180	33	portfolios	portfolio	NOUN
easat-6704	180	34	.	.	PUNCT
easat-6704	181	1	regulatory	regulatory	ADJ
easat-6704	181	2	bodies	body	NOUN
easat-6704	181	3	such	such	ADJ
easat-6704	181	4	as	as	ADP
easat-6704	181	5	the	the	DET
easat-6704	181	6	state	state	NOUN
easat-6704	181	7	bank	bank	PROPN
easat-6704	181	8	of	of	ADP
easat-6704	181	9	vietnam	vietnam	PROPN
easat-6704	181	10	can	can	AUX
easat-6704	181	11	play	play	VERB
easat-6704	181	12	a	a	DET
easat-6704	181	13	catalytic	catalytic	ADJ
easat-6704	181	14	role	role	NOUN
easat-6704	181	15	by	by	ADP
easat-6704	181	16	promoting	promote	VERB
easat-6704	181	17	digital	digital	ADJ
easat-6704	181	18	integration	integration	NOUN
easat-6704	181	19	and	and	CCONJ
easat-6704	181	20	establishing	establish	VERB
easat-6704	181	21	capacitybuilding	capacitybuilde	VERB
easat-6704	181	22	programs	program	NOUN
easat-6704	181	23	that	that	PRON
easat-6704	181	24	reinforce	reinforce	VERB
easat-6704	181	25	institutional	institutional	ADJ
easat-6704	181	26	governance	governance	NOUN
easat-6704	181	27	.	.	PUNCT
easat-6704	182	1	future	future	ADJ
easat-6704	182	2	research	research	NOUN
easat-6704	182	3	directions	direction	NOUN
easat-6704	182	4	:	:	PUNCT
easat-6704	182	5	building	build	VERB
easat-6704	182	6	on	on	ADP
easat-6704	182	7	these	these	DET
easat-6704	182	8	findings	finding	NOUN
easat-6704	182	9	,	,	PUNCT
easat-6704	182	10	future	future	ADJ
easat-6704	182	11	research	research	NOUN
easat-6704	182	12	could	could	AUX
easat-6704	182	13	employ	employ	VERB
easat-6704	182	14	longitudinal	longitudinal	ADJ
easat-6704	182	15	or	or	CCONJ
easat-6704	182	16	panel	panel	NOUN
easat-6704	182	17	data	datum	NOUN
easat-6704	182	18	to	to	PART
easat-6704	182	19	capture	capture	VERB
easat-6704	182	20	dynamic	dynamic	ADJ
easat-6704	182	21	shifts	shift	NOUN
easat-6704	182	22	over	over	ADP
easat-6704	182	23	time	time	NOUN
easat-6704	182	24	,	,	PUNCT
easat-6704	182	25	or	or	CCONJ
easat-6704	182	26	undertake	undertake	VERB
easat-6704	182	27	comparative	comparative	ADJ
easat-6704	182	28	analyses	analysis	NOUN
easat-6704	182	29	across	across	ADP
easat-6704	182	30	southeast	southeast	ADJ
easat-6704	182	31	asian	asian	ADJ
easat-6704	182	32	economies	economy	NOUN
easat-6704	182	33	to	to	PART
easat-6704	182	34	examine	examine	VERB
easat-6704	182	35	how	how	SCONJ
easat-6704	182	36	institutional	institutional	ADJ
easat-6704	182	37	,	,	PUNCT
easat-6704	182	38	regulatory	regulatory	ADJ
easat-6704	182	39	,	,	PUNCT
easat-6704	182	40	and	and	CCONJ
easat-6704	182	41	technological	technological	ADJ
easat-6704	182	42	contexts	context	NOUN
easat-6704	182	43	shape	shape	VERB
easat-6704	182	44	sustainability	sustainability	NOUN
easat-6704	182	45	outcomes	outcome	NOUN
easat-6704	182	46	within	within	ADP
easat-6704	182	47	the	the	DET
easat-6704	182	48	microfinance	microfinance	NOUN
easat-6704	182	49	sector	sector	NOUN
easat-6704	182	50	.	.	PUNCT
easat-6704	183	1	transparency	transparency	NOUN
easat-6704	183	2	:	:	PUNCT
easat-6704	183	3	the	the	DET
easat-6704	183	4	authors	author	NOUN
easat-6704	183	5	confirm	confirm	VERB
easat-6704	183	6	that	that	SCONJ
easat-6704	183	7	the	the	DET
easat-6704	183	8	manuscript	manuscript	NOUN
easat-6704	183	9	is	be	AUX
easat-6704	183	10	an	an	DET
easat-6704	183	11	honest	honest	ADJ
easat-6704	183	12	,	,	PUNCT
easat-6704	183	13	accurate	accurate	ADJ
easat-6704	183	14	,	,	PUNCT
easat-6704	183	15	and	and	CCONJ
easat-6704	183	16	transparent	transparent	ADJ
easat-6704	183	17	account	account	NOUN
easat-6704	183	18	of	of	ADP
easat-6704	183	19	the	the	DET
easat-6704	183	20	study	study	NOUN
easat-6704	183	21	;	;	PUNCT
easat-6704	183	22	that	that	SCONJ
easat-6704	183	23	no	no	DET
easat-6704	183	24	vital	vital	ADJ
easat-6704	183	25	features	feature	NOUN
easat-6704	183	26	of	of	ADP
easat-6704	183	27	the	the	DET
easat-6704	183	28	study	study	NOUN
easat-6704	183	29	have	have	AUX
easat-6704	183	30	been	be	AUX
easat-6704	183	31	omitted	omit	VERB
easat-6704	183	32	;	;	PUNCT
easat-6704	183	33	and	and	CCONJ
easat-6704	183	34	that	that	SCONJ
easat-6704	183	35	any	any	DET
easat-6704	183	36	discrepancies	discrepancy	NOUN
easat-6704	183	37	from	from	ADP
easat-6704	183	38	the	the	DET
easat-6704	183	39	study	study	NOUN
easat-6704	183	40	as	as	SCONJ
easat-6704	183	41	planned	plan	VERB
easat-6704	183	42	have	have	AUX
easat-6704	183	43	been	be	AUX
easat-6704	183	44	explained	explain	VERB
easat-6704	183	45	.	.	PUNCT
easat-6704	184	1	this	this	DET
easat-6704	184	2	study	study	NOUN
easat-6704	184	3	followed	follow	VERB
easat-6704	184	4	all	all	DET
easat-6704	184	5	ethical	ethical	ADJ
easat-6704	184	6	practices	practice	NOUN
easat-6704	184	7	during	during	ADP
easat-6704	184	8	writing	writing	NOUN
easat-6704	184	9	.	.	PUNCT
easat-6704	185	1	acknowledgment	acknowledgment	NOUN
easat-6704	185	2	:	:	PUNCT
easat-6704	185	3	the	the	DET
easat-6704	185	4	authors	author	NOUN
easat-6704	185	5	gratefully	gratefully	ADV
easat-6704	185	6	acknowledge	acknowledge	VERB
easat-6704	185	7	the	the	DET
easat-6704	185	8	financial	financial	ADJ
easat-6704	185	9	support	support	NOUN
easat-6704	185	10	from	from	ADP
easat-6704	185	11	the	the	DET
easat-6704	185	12	banking	banking	NOUN
easat-6704	185	13	academy	academy	PROPN
easat-6704	185	14	of	of	ADP
easat-6704	185	15	vietnam	vietnam	PROPN
easat-6704	185	16	.	.	PUNCT
easat-6704	186	1	copyright	copyright	NOUN
easat-6704	186	2	:	:	PUNCT
easat-6704	186	3	©	©	PROPN
easat-6704	186	4	2025	2025	NUM
easat-6704	186	5	by	by	ADP
easat-6704	186	6	the	the	DET
easat-6704	186	7	authors	author	NOUN
easat-6704	186	8	.	.	PUNCT
easat-6704	187	1	this	this	DET
easat-6704	187	2	open	open	ADJ
easat-6704	187	3	-	-	PUNCT
easat-6704	187	4	access	access	NOUN
easat-6704	187	5	article	article	NOUN
easat-6704	187	6	is	be	AUX
easat-6704	187	7	distributed	distribute	VERB
easat-6704	187	8	under	under	ADP
easat-6704	187	9	the	the	DET
easat-6704	187	10	terms	term	NOUN
easat-6704	187	11	and	and	CCONJ
easat-6704	187	12	conditions	condition	NOUN
easat-6704	187	13	of	of	ADP
easat-6704	187	14	the	the	DET
easat-6704	187	15	creative	creative	ADJ
easat-6704	187	16	commons	common	NOUN
easat-6704	187	17	attribution	attribution	NOUN
easat-6704	187	18	(	(	PUNCT
easat-6704	187	19	cc	cc	NOUN
easat-6704	187	20	by	by	ADP
easat-6704	187	21	)	)	PUNCT
easat-6704	187	22	license	license	NOUN
easat-6704	187	23	(	(	PUNCT
easat-6704	187	24	https://creativecommons.org/licenses/by/4.0/	https://creativecommons.org/licenses/by/4.0/	PROPN
easat-6704	187	25	)	)	PUNCT
easat-6704	187	26	.	.	PUNCT
easat-6704	188	1	references	reference	NOUN
easat-6704	188	2	[	[	X
easat-6704	188	3	1	1	NUM
easat-6704	188	4	]	]	PUNCT
easat-6704	188	5	a.	a.	NOUN
easat-6704	188	6	de	de	PROPN
easat-6704	188	7	la	la	X
easat-6704	188	8	torre	torre	PROPN
easat-6704	188	9	,	,	PUNCT
easat-6704	188	10	m.	m.	NOUN
easat-6704	188	11	s.	s.	PROPN
easat-6704	188	12	m.	m.	PROPN
easat-6704	188	13	pería	pería	VERB
easat-6704	188	14	,	,	PUNCT
easat-6704	188	15	and	and	CCONJ
easat-6704	188	16	s.	s.	PROPN
easat-6704	188	17	l.	l.	PROPN
easat-6704	188	18	schmukler	schmukler	PROPN
easat-6704	188	19	,	,	PUNCT
easat-6704	188	20	"	"	PUNCT
easat-6704	188	21	bank	bank	NOUN
easat-6704	188	22	involvement	involvement	NOUN
easat-6704	188	23	with	with	ADP
easat-6704	188	24	smes	sme	NOUN
easat-6704	188	25	:	:	PUNCT
easat-6704	188	26	beyond	beyond	ADP
easat-6704	188	27	relationship	relationship	NOUN
easat-6704	188	28	lending	lending	NOUN
easat-6704	188	29	,	,	PUNCT
easat-6704	188	30	"	"	PUNCT
easat-6704	188	31	journal	journal	NOUN
easat-6704	188	32	of	of	ADP
easat-6704	188	33	banking	banking	NOUN
easat-6704	188	34	&	&	CCONJ
easat-6704	188	35	finance	finance	PROPN
easat-6704	188	36	,	,	PUNCT
easat-6704	188	37	vol	vol	NOUN
easat-6704	188	38	.	.	PROPN
easat-6704	189	1	34	34	NUM
easat-6704	189	2	,	,	PUNCT
easat-6704	189	3	no	no	INTJ
easat-6704	189	4	.	.	NOUN
easat-6704	189	5	9	9	NUM
easat-6704	189	6	,	,	PUNCT
easat-6704	189	7	pp	pp	ADJ
easat-6704	189	8	.	.	PUNCT
easat-6704	190	1	2280	2280	NUM
easat-6704	190	2	-	-	SYM
easat-6704	190	3	2293	2293	NUM
easat-6704	190	4	,	,	PUNCT
easat-6704	190	5	2010	2010	NUM
easat-6704	190	6	.	.	PUNCT
easat-6704	191	1	https://doi.org/10.1016/j.jbankfin.2010.02.014	https://doi.org/10.1016/j.jbankfin.2010.02.014	PUNCT
easat-6704	192	1	[	[	X
easat-6704	192	2	2	2	NUM
easat-6704	192	3	]	]	PUNCT
easat-6704	192	4	r.	r.	PROPN
easat-6704	192	5	matousek	matousek	PROPN
easat-6704	192	6	,	,	PUNCT
easat-6704	192	7	t.	t.	NOUN
easat-6704	192	8	nguyen	nguyen	NOUN
easat-6704	192	9	,	,	PUNCT
easat-6704	192	10	and	and	CCONJ
easat-6704	192	11	c.	c.	PROPN
easat-6704	192	12	stewart	stewart	PROPN
easat-6704	192	13	,	,	PUNCT
easat-6704	192	14	"	"	PUNCT
easat-6704	192	15	risk	risk	NOUN
easat-6704	192	16	management	management	NOUN
easat-6704	192	17	of	of	ADP
easat-6704	192	18	the	the	DET
easat-6704	192	19	banking	banking	NOUN
easat-6704	192	20	system	system	NOUN
easat-6704	192	21	:	:	PUNCT
easat-6704	192	22	an	an	DET
easat-6704	192	23	emerging	emerge	VERB
easat-6704	192	24	market	market	NOUN
easat-6704	192	25	survey	survey	NOUN
easat-6704	192	26	,	,	PUNCT
easat-6704	192	27	"	"	PUNCT
easat-6704	192	28	risk	risk	NOUN
easat-6704	192	29	governance	governance	NOUN
easat-6704	192	30	and	and	CCONJ
easat-6704	192	31	control	control	NOUN
easat-6704	192	32	:	:	PUNCT
easat-6704	192	33	financial	financial	ADJ
easat-6704	192	34	markets	market	NOUN
easat-6704	192	35	and	and	CCONJ
easat-6704	192	36	institutions	institution	NOUN
easat-6704	192	37	,	,	PUNCT
easat-6704	192	38	vol	vol	NOUN
easat-6704	192	39	.	.	PROPN
easat-6704	192	40	8	8	NUM
easat-6704	192	41	,	,	PUNCT
easat-6704	192	42	no	no	INTJ
easat-6704	192	43	.	.	NOUN
easat-6704	192	44	3	3	NUM
easat-6704	192	45	,	,	PUNCT
easat-6704	192	46	pp	pp	ADJ
easat-6704	192	47	.	.	PUNCT
easat-6704	193	1	7	7	NUM
easat-6704	193	2	-	-	SYM
easat-6704	193	3	20	20	NUM
easat-6704	193	4	,	,	PUNCT
easat-6704	193	5	2018	2018	NUM
easat-6704	193	6	.	.	PUNCT
easat-6704	194	1	[	[	X
easat-6704	194	2	3	3	NUM
easat-6704	194	3	]	]	X
easat-6704	194	4	a.	a.	NOUN
easat-6704	194	5	v.	v.	ADP
easat-6704	194	6	thakor	thakor	PROPN
easat-6704	194	7	,	,	PUNCT
easat-6704	194	8	"	"	PUNCT
easat-6704	194	9	fintech	fintech	NOUN
easat-6704	194	10	and	and	CCONJ
easat-6704	194	11	banking	banking	NOUN
easat-6704	194	12	:	:	PUNCT
easat-6704	194	13	what	what	PRON
easat-6704	194	14	do	do	AUX
easat-6704	194	15	we	we	PRON
easat-6704	194	16	know	know	VERB
easat-6704	194	17	?	?	PUNCT
easat-6704	194	18	,	,	PUNCT
easat-6704	194	19	"	"	PUNCT
easat-6704	194	20	journal	journal	NOUN
easat-6704	194	21	of	of	ADP
easat-6704	194	22	financial	financial	ADJ
easat-6704	194	23	intermediation	intermediation	NOUN
easat-6704	194	24	,	,	PUNCT
easat-6704	194	25	vol	vol	NOUN
easat-6704	194	26	.	.	PROPN
easat-6704	194	27	41	41	NUM
easat-6704	194	28	,	,	PUNCT
easat-6704	194	29	p.	p.	NOUN
easat-6704	194	30	100833	100833	NUM
easat-6704	194	31	,	,	PUNCT
easat-6704	194	32	2020	2020	NUM
easat-6704	194	33	.	.	PUNCT
easat-6704	195	1	http://doi.org/10.22495/rgcv8i3p1	http://doi.org/10.22495/rgcv8i3p1	NOUN
easat-6704	196	1	[	[	X
easat-6704	196	2	4	4	NUM
easat-6704	196	3	]	]	PUNCT
easat-6704	196	4	z.	z.	PROPN
easat-6704	196	5	s.	s.	PROPN
easat-6704	196	6	masanyiwa	masanyiwa	PROPN
easat-6704	196	7	,	,	PUNCT
easat-6704	196	8	t.	t.	PROPN
easat-6704	196	9	n.	n.	PROPN
easat-6704	196	10	chusi	chusi	PROPN
easat-6704	196	11	,	,	PUNCT
easat-6704	196	12	and	and	CCONJ
easat-6704	196	13	a.	a.	PROPN
easat-6704	196	14	u.	u.	PROPN
easat-6704	196	15	haji	haji	PROPN
easat-6704	196	16	,	,	PUNCT
easat-6704	196	17	"	"	PUNCT
easat-6704	196	18	determinants	determinant	NOUN
easat-6704	196	19	for	for	ADP
easat-6704	196	20	sustainability	sustainability	NOUN
easat-6704	196	21	of	of	ADP
easat-6704	196	22	microfinance	microfinance	NOUN
easat-6704	196	23	institutions	institution	NOUN
easat-6704	196	24	in	in	ADP
easat-6704	196	25	north	north	NOUN
easat-6704	196	26	‘	'	PUNCT
easat-6704	196	27	a	a	DET
easat-6704	196	28	’	'	PUNCT
easat-6704	196	29	district	district	NOUN
easat-6704	196	30	in	in	ADP
easat-6704	196	31	zanzibar	zanzibar	NOUN
easat-6704	196	32	,	,	PUNCT
easat-6704	196	33	"	"	PUNCT
easat-6704	196	34	open	open	ADJ
easat-6704	196	35	journal	journal	NOUN
easat-6704	196	36	of	of	ADP
easat-6704	196	37	business	business	NOUN
easat-6704	196	38	and	and	CCONJ
easat-6704	196	39	management	management	NOUN
easat-6704	196	40	,	,	PUNCT
easat-6704	196	41	vol	vol	NOUN
easat-6704	196	42	.	.	PROPN
easat-6704	196	43	10	10	NUM
easat-6704	196	44	,	,	PUNCT
easat-6704	196	45	no	no	INTJ
easat-6704	196	46	.	.	NOUN
easat-6704	196	47	3	3	NUM
easat-6704	196	48	,	,	PUNCT
easat-6704	196	49	pp	pp	ADJ
easat-6704	196	50	.	.	PUNCT
easat-6704	197	1	1434–1450	1434–1450	NUM
easat-6704	197	2	,	,	PUNCT
easat-6704	197	3	2022	2022	NUM
easat-6704	197	4	.	.	PUNCT
easat-6704	198	1	https://doi.org/10.4236/ojbm.2022.103076	https://doi.org/10.4236/ojbm.2022.103076	PROPN
easat-6704	198	2	[	[	X
easat-6704	198	3	5	5	NUM
easat-6704	198	4	]	]	PUNCT
easat-6704	198	5	a.	a.	NOUN
easat-6704	198	6	c.	c.	PROPN
easat-6704	198	7	bertay	bertay	PROPN
easat-6704	198	8	,	,	PUNCT
easat-6704	198	9	a.	a.	PROPN
easat-6704	198	10	demirgüç	demirgüç	PROPN
easat-6704	198	11	-	-	PUNCT
easat-6704	198	12	kunt	kunt	PROPN
easat-6704	198	13	,	,	PUNCT
easat-6704	198	14	and	and	CCONJ
easat-6704	198	15	h.	h.	PROPN
easat-6704	198	16	huizinga	huizinga	NOUN
easat-6704	198	17	,	,	PUNCT
easat-6704	198	18	"	"	PUNCT
easat-6704	198	19	bank	bank	NOUN
easat-6704	198	20	ownership	ownership	NOUN
easat-6704	198	21	and	and	CCONJ
easat-6704	198	22	credit	credit	NOUN
easat-6704	198	23	over	over	ADP
easat-6704	198	24	the	the	DET
easat-6704	198	25	business	business	NOUN
easat-6704	198	26	cycle	cycle	NOUN
easat-6704	198	27	:	:	PUNCT
easat-6704	198	28	is	be	AUX
easat-6704	198	29	lending	lend	VERB
easat-6704	198	30	by	by	ADP
easat-6704	198	31	state	state	NOUN
easat-6704	198	32	banks	bank	NOUN
easat-6704	198	33	less	less	ADV
easat-6704	198	34	procyclical	procyclical	ADJ
easat-6704	198	35	?	?	PUNCT
easat-6704	198	36	,	,	PUNCT
easat-6704	198	37	"	"	PUNCT
easat-6704	198	38	journal	journal	NOUN
easat-6704	198	39	of	of	ADP
easat-6704	198	40	banking	banking	NOUN
easat-6704	198	41	&	&	CCONJ
easat-6704	198	42	finance	finance	PROPN
easat-6704	198	43	,	,	PUNCT
easat-6704	198	44	vol	vol	NOUN
easat-6704	198	45	.	.	PROPN
easat-6704	199	1	50	50	NUM
easat-6704	199	2	,	,	PUNCT
easat-6704	199	3	pp	pp	ADJ
easat-6704	199	4	.	.	PUNCT
easat-6704	200	1	326	326	NUM
easat-6704	200	2	-	-	SYM
easat-6704	200	3	339	339	NUM
easat-6704	200	4	,	,	PUNCT
easat-6704	200	5	2015	2015	NUM
easat-6704	200	6	.	.	PUNCT
easat-6704	201	1	https://doi.org/10.1016/j.jbankfin.2014.03.012	https://doi.org/10.1016/j.jbankfin.2014.03.012	NOUN
easat-6704	202	1	[	[	X
easat-6704	202	2	6	6	NUM
easat-6704	202	3	]	]	PUNCT
easat-6704	202	4	c.-s	c.-	NOUN
easat-6704	202	5	.	.	PUNCT
easat-6704	203	1	liao	liao	PROPN
easat-6704	203	2	,	,	PUNCT
easat-6704	203	3	"	"	PUNCT
easat-6704	203	4	how	how	SCONJ
easat-6704	203	5	does	do	AUX
easat-6704	203	6	fintech	fintech	NOUN
easat-6704	203	7	affect	affect	VERB
easat-6704	203	8	bank	bank	NOUN
easat-6704	203	9	efficiency	efficiency	NOUN
easat-6704	203	10	in	in	ADP
easat-6704	203	11	taiwan	taiwan	PROPN
easat-6704	203	12	?	?	PUNCT
easat-6704	203	13	,	,	PUNCT
easat-6704	203	14	"	"	PUNCT
easat-6704	203	15	plos	plos	PROPN
easat-6704	203	16	one	one	NUM
easat-6704	203	17	,	,	PUNCT
easat-6704	203	18	vol	vol	NOUN
easat-6704	203	19	.	.	PROPN
easat-6704	203	20	18	18	NUM
easat-6704	203	21	,	,	PUNCT
easat-6704	203	22	no	no	INTJ
easat-6704	203	23	.	.	NOUN
easat-6704	203	24	8	8	NUM
easat-6704	203	25	,	,	PUNCT
easat-6704	203	26	p.	p.	NOUN
easat-6704	203	27	e0289629	e0289629	PROPN
easat-6704	203	28	,	,	PUNCT
easat-6704	203	29	2023	2023	NUM
easat-6704	203	30	.	.	PUNCT
easat-6704	204	1	https://doi.org/10.1371/journal.pone.0289629	https://doi.org/10.1371/journal.pone.0289629	X
easat-6704	204	2	[	[	X
easat-6704	204	3	7	7	X
easat-6704	204	4	]	]	PUNCT
easat-6704	204	5	t.	t.	PROPN
easat-6704	204	6	hendershott	hendershott	PROPN
easat-6704	204	7	,	,	PUNCT
easat-6704	204	8	x.	x.	PROPN
easat-6704	204	9	zhang	zhang	PROPN
easat-6704	204	10	,	,	PUNCT
easat-6704	204	11	j.	j.	PROPN
easat-6704	204	12	l.	l.	PROPN
easat-6704	204	13	zhao	zhao	PROPN
easat-6704	204	14	,	,	PUNCT
easat-6704	204	15	and	and	CCONJ
easat-6704	204	16	z.	z.	PROPN
easat-6704	204	17	zheng	zheng	PROPN
easat-6704	204	18	,	,	PUNCT
easat-6704	204	19	"	"	PUNCT
easat-6704	204	20	fintech	fintech	NOUN
easat-6704	204	21	as	as	ADP
easat-6704	204	22	a	a	DET
easat-6704	204	23	game	game	NOUN
easat-6704	204	24	changer	changer	NOUN
easat-6704	204	25	:	:	PUNCT
easat-6704	204	26	overview	overview	NOUN
easat-6704	204	27	of	of	ADP
easat-6704	204	28	research	research	NOUN
easat-6704	204	29	frontiers	frontier	NOUN
easat-6704	204	30	,	,	PUNCT
easat-6704	204	31	"	"	PUNCT
easat-6704	204	32	information	information	NOUN
easat-6704	204	33	systems	system	NOUN
easat-6704	204	34	research	research	NOUN
easat-6704	204	35	,	,	PUNCT
easat-6704	204	36	vol	vol	NOUN
easat-6704	204	37	.	.	PROPN
easat-6704	204	38	32	32	NUM
easat-6704	204	39	,	,	PUNCT
easat-6704	204	40	no	no	INTJ
easat-6704	204	41	.	.	NOUN
easat-6704	204	42	1	1	NUM
easat-6704	204	43	,	,	PUNCT
easat-6704	204	44	pp	pp	ADJ
easat-6704	204	45	.	.	PUNCT
easat-6704	205	1	1	1	NUM
easat-6704	205	2	-	-	SYM
easat-6704	205	3	17	17	NUM
easat-6704	205	4	,	,	PUNCT
easat-6704	205	5	2021	2021	NUM
easat-6704	205	6	.	.	PUNCT
easat-6704	206	1	https://doi.org/10.1287/isre.2021.0997	https://doi.org/10.1287/isre.2021.0997	PROPN
easat-6704	206	2	[	[	X
easat-6704	206	3	8	8	X
easat-6704	206	4	]	]	X
easat-6704	206	5	s.	s.	PROPN
easat-6704	206	6	chauhan	chauhan	PROPN
easat-6704	206	7	,	,	PUNCT
easat-6704	206	8	a.	a.	PROPN
easat-6704	206	9	verma	verma	PROPN
easat-6704	206	10	,	,	PUNCT
easat-6704	206	11	and	and	CCONJ
easat-6704	206	12	c.	c.	PROPN
easat-6704	206	13	v.	v.	PROPN
easat-6704	206	14	kumar	kumar	PROPN
easat-6704	206	15	,	,	PUNCT
easat-6704	206	16	"	"	PUNCT
easat-6704	206	17	effect	effect	NOUN
easat-6704	206	18	of	of	ADP
easat-6704	206	19	capital	capital	NOUN
easat-6704	206	20	structure	structure	NOUN
easat-6704	206	21	on	on	ADP
easat-6704	206	22	the	the	DET
easat-6704	206	23	financial	financial	ADJ
easat-6704	206	24	and	and	CCONJ
easat-6704	206	25	social	social	ADJ
easat-6704	206	26	performance	performance	NOUN
easat-6704	206	27	of	of	ADP
easat-6704	206	28	indian	indian	ADJ
easat-6704	206	29	microfinance	microfinance	NOUN
easat-6704	206	30	institutions	institution	NOUN
easat-6704	206	31	,	,	PUNCT
easat-6704	206	32	"	"	PUNCT
easat-6704	206	33	fiib	fiib	PROPN
easat-6704	206	34	business	business	PROPN
easat-6704	206	35	review	review	PROPN
easat-6704	206	36	,	,	PUNCT
easat-6704	206	37	vol	vol	NOUN
easat-6704	206	38	.	.	PROPN
easat-6704	206	39	13	13	NUM
easat-6704	206	40	,	,	PUNCT
easat-6704	206	41	no	no	INTJ
easat-6704	206	42	.	.	NOUN
easat-6704	206	43	2	2	NUM
easat-6704	206	44	,	,	PUNCT
easat-6704	206	45	pp	pp	ADJ
easat-6704	206	46	.	.	PUNCT
easat-6704	207	1	243	243	NUM
easat-6704	207	2	-	-	SYM
easat-6704	207	3	256	256	NUM
easat-6704	207	4	,	,	PUNCT
easat-6704	207	5	2024	2024	NUM
easat-6704	207	6	.	.	PUNCT
easat-6704	208	1	https://doi.org/10.1177/23197145221099677	https://doi.org/10.1177/23197145221099677	X
easat-6704	209	1	[	[	X
easat-6704	209	2	9	9	NUM
easat-6704	209	3	]	]	PUNCT
easat-6704	209	4	a.	a.	NOUN
easat-6704	209	5	oyegunle	oyegunle	NOUN
easat-6704	209	6	,	,	PUNCT
easat-6704	209	7	"	"	PUNCT
easat-6704	209	8	an	an	DET
easat-6704	209	9	assessment	assessment	NOUN
easat-6704	209	10	of	of	ADP
easat-6704	209	11	sustainable	sustainable	ADJ
easat-6704	209	12	banking	banking	NOUN
easat-6704	209	13	regulations	regulation	NOUN
easat-6704	209	14	in	in	ADP
easat-6704	209	15	emerging	emerge	VERB
easat-6704	209	16	economies	economy	NOUN
easat-6704	209	17	,	,	PUNCT
easat-6704	209	18	"	"	PUNCT
easat-6704	209	19	master	master	NOUN
easat-6704	209	20	's	's	PART
easat-6704	209	21	thesis	thesis	NOUN
easat-6704	209	22	,	,	PUNCT
easat-6704	209	23	university	university	NOUN
easat-6704	209	24	of	of	ADP
easat-6704	209	25	waterloo	waterloo	PROPN
easat-6704	209	26	,	,	PUNCT
easat-6704	209	27	2016	2016	NUM
easat-6704	209	28	.	.	PUNCT
easat-6704	210	1	[	[	X
easat-6704	210	2	10	10	NUM
easat-6704	210	3	]	]	PUNCT
easat-6704	210	4	m.	m.	NOUN
easat-6704	210	5	m.	m.	PROPN
easat-6704	210	6	s.	s.	PROPN
easat-6704	210	7	islam	islam	PROPN
easat-6704	210	8	,	,	PUNCT
easat-6704	210	9	"	"	PUNCT
easat-6704	210	10	fintech	fintech	NOUN
easat-6704	210	11	revolution	revolution	NOUN
easat-6704	210	12	of	of	ADP
easat-6704	210	13	non	non	NOUN
easat-6704	210	14	-	-	NOUN
easat-6704	210	15	banks	bank	NOUN
easat-6704	210	16	and	and	CCONJ
easat-6704	210	17	future	future	ADJ
easat-6704	210	18	survival	survival	NOUN
easat-6704	210	19	of	of	ADP
easat-6704	210	20	banks	bank	NOUN
easat-6704	210	21	:	:	PUNCT
easat-6704	210	22	a	a	DET
easat-6704	210	23	systematic	systematic	ADJ
easat-6704	210	24	review	review	NOUN
easat-6704	210	25	,	,	PUNCT
easat-6704	210	26	"	"	PUNCT
easat-6704	210	27	iliria	iliria	PROPN
easat-6704	210	28	international	international	PROPN
easat-6704	210	29	review	review	PROPN
easat-6704	210	30	,	,	PUNCT
easat-6704	210	31	vol	vol	NOUN
easat-6704	210	32	.	.	PROPN
easat-6704	210	33	11	11	NUM
easat-6704	210	34	,	,	PUNCT
easat-6704	210	35	no	no	INTJ
easat-6704	210	36	.	.	NOUN
easat-6704	210	37	1	1	NUM
easat-6704	210	38	,	,	PUNCT
easat-6704	210	39	pp	pp	ADJ
easat-6704	210	40	.	.	PUNCT
easat-6704	211	1	84–103	84–103	NUM
easat-6704	211	2	,	,	PUNCT
easat-6704	211	3	2021	2021	NUM
easat-6704	211	4	.	.	PUNCT
easat-6704	212	1	https://doi.org/10.21113/iir.v11i1.609	https://doi.org/10.21113/iir.v11i1.609	PRON
easat-6704	213	1	[	[	X
easat-6704	213	2	11	11	NUM
easat-6704	213	3	]	]	PUNCT
easat-6704	213	4	s.	s.	PROPN
easat-6704	213	5	khin	khin	PROPN
easat-6704	213	6	and	and	CCONJ
easat-6704	213	7	t.	t.	PROPN
easat-6704	213	8	c.	c.	PROPN
easat-6704	213	9	ho	ho	PROPN
easat-6704	213	10	,	,	PUNCT
easat-6704	213	11	"	"	PUNCT
easat-6704	213	12	digital	digital	ADJ
easat-6704	213	13	technology	technology	NOUN
easat-6704	213	14	,	,	PUNCT
easat-6704	213	15	digital	digital	ADJ
easat-6704	213	16	capability	capability	NOUN
easat-6704	213	17	and	and	CCONJ
easat-6704	213	18	organizational	organizational	ADJ
easat-6704	213	19	performance	performance	NOUN
easat-6704	213	20	:	:	PUNCT
easat-6704	213	21	a	a	DET
easat-6704	213	22	mediating	mediate	VERB
easat-6704	213	23	role	role	NOUN
easat-6704	213	24	of	of	ADP
easat-6704	213	25	digital	digital	ADJ
easat-6704	213	26	innovation	innovation	NOUN
easat-6704	213	27	,	,	PUNCT
easat-6704	213	28	"	"	PUNCT
easat-6704	213	29	international	international	ADJ
easat-6704	213	30	journal	journal	NOUN
easat-6704	213	31	of	of	ADP
easat-6704	213	32	innovation	innovation	NOUN
easat-6704	213	33	science	science	NOUN
easat-6704	213	34	,	,	PUNCT
easat-6704	213	35	vol	vol	NOUN
easat-6704	213	36	.	.	PROPN
easat-6704	213	37	11	11	NUM
easat-6704	213	38	,	,	PUNCT
easat-6704	213	39	no	no	INTJ
easat-6704	213	40	.	.	NOUN
easat-6704	213	41	2	2	NUM
easat-6704	213	42	,	,	PUNCT
easat-6704	213	43	pp	pp	ADJ
easat-6704	213	44	.	.	PUNCT
easat-6704	214	1	177	177	NUM
easat-6704	214	2	-	-	SYM
easat-6704	214	3	195	195	NUM
easat-6704	214	4	,	,	PUNCT
easat-6704	214	5	2019	2019	NUM
easat-6704	214	6	.	.	PUNCT
easat-6704	215	1	https://doi.org/10.1108/ijis-08-2018-0083	https://doi.org/10.1108/ijis-08-2018-0083	NOUN
easat-6704	216	1	[	[	X
easat-6704	216	2	12	12	NUM
easat-6704	216	3	]	]	PUNCT
easat-6704	216	4	j.	j.	PROPN
easat-6704	216	5	e.	e.	PROPN
easat-6704	216	6	stiglitz	stiglitz	PROPN
easat-6704	216	7	and	and	CCONJ
easat-6704	216	8	a.	a.	NOUN
easat-6704	216	9	weiss	weiss	PROPN
easat-6704	216	10	,	,	PUNCT
easat-6704	216	11	"	"	PUNCT
easat-6704	216	12	credit	credit	NOUN
easat-6704	216	13	rationing	rationing	NOUN
easat-6704	216	14	in	in	ADP
easat-6704	216	15	markets	market	NOUN
easat-6704	216	16	with	with	ADP
easat-6704	216	17	imperfect	imperfect	ADJ
easat-6704	216	18	information	information	NOUN
easat-6704	216	19	,	,	PUNCT
easat-6704	216	20	"	"	PUNCT
easat-6704	216	21	the	the	DET
easat-6704	216	22	american	american	PROPN
easat-6704	216	23	economic	economic	PROPN
easat-6704	216	24	review	review	PROPN
easat-6704	216	25	,	,	PUNCT
easat-6704	216	26	vol	vol	NOUN
easat-6704	216	27	.	.	PROPN
easat-6704	217	1	71	71	NUM
easat-6704	217	2	,	,	PUNCT
easat-6704	217	3	no	no	INTJ
easat-6704	217	4	.	.	NOUN
easat-6704	217	5	3	3	NUM
easat-6704	217	6	,	,	PUNCT
easat-6704	217	7	pp	pp	ADJ
easat-6704	217	8	.	.	PUNCT
easat-6704	218	1	393	393	NUM
easat-6704	218	2	-	-	SYM
easat-6704	218	3	410	410	NUM
easat-6704	218	4	,	,	PUNCT
easat-6704	218	5	1981	1981	NUM
easat-6704	218	6	.	.	PUNCT
easat-6704	219	1	[	[	X
easat-6704	219	2	13	13	NUM
easat-6704	219	3	]	]	X
easat-6704	219	4	b.	b.	PROPN
easat-6704	219	5	fritz	fritz	PROPN
easat-6704	219	6	and	and	CCONJ
easat-6704	219	7	l.	l.	PROPN
easat-6704	219	8	mühlich	mühlich	PROPN
easat-6704	219	9	,	,	PUNCT
easat-6704	219	10	"	"	PUNCT
easat-6704	219	11	regional	regional	ADJ
easat-6704	219	12	financial	financial	ADJ
easat-6704	219	13	arrangements	arrangement	NOUN
easat-6704	219	14	in	in	ADP
easat-6704	219	15	the	the	DET
easat-6704	219	16	global	global	ADJ
easat-6704	219	17	financial	financial	PROPN
easat-6704	219	18	safety	safety	PROPN
easat-6704	219	19	net	net	NOUN
easat-6704	219	20	:	:	PUNCT
easat-6704	219	21	the	the	DET
easat-6704	219	22	arab	arab	ADJ
easat-6704	219	23	monetary	monetary	ADJ
easat-6704	219	24	fund	fund	PROPN
easat-6704	219	25	and	and	CCONJ
easat-6704	219	26	the	the	DET
easat-6704	219	27	eurasian	eurasian	ADJ
easat-6704	219	28	fund	fund	NOUN
easat-6704	219	29	for	for	ADP
easat-6704	219	30	stabilization	stabilization	NOUN
easat-6704	219	31	and	and	CCONJ
easat-6704	219	32	development	development	NOUN
easat-6704	219	33	,	,	PUNCT
easat-6704	219	34	"	"	PUNCT
easat-6704	219	35	development	development	NOUN
easat-6704	219	36	and	and	CCONJ
easat-6704	219	37	change	change	NOUN
easat-6704	219	38	,	,	PUNCT
easat-6704	219	39	vol	vol	NOUN
easat-6704	219	40	.	.	PROPN
easat-6704	220	1	50	50	NUM
easat-6704	220	2	,	,	PUNCT
easat-6704	220	3	no	no	INTJ
easat-6704	220	4	.	.	NOUN
easat-6704	220	5	1	1	NUM
easat-6704	220	6	,	,	PUNCT
easat-6704	220	7	pp	pp	ADJ
easat-6704	220	8	.	.	PUNCT
easat-6704	221	1	96	96	NUM
easat-6704	221	2	-	-	SYM
easat-6704	221	3	121	121	NUM
easat-6704	221	4	,	,	PUNCT
easat-6704	221	5	2019	2019	NUM
easat-6704	221	6	.	.	PUNCT
easat-6704	222	1	https://doi.org/10.1111/dech.12466	https://doi.org/10.1111/dech.12466	PROPN
easat-6704	222	2	https://creativecommons.org/licenses/by/4.0/	https://creativecommons.org/licenses/by/4.0/	PROPN
easat-6704	222	3	https://doi.org/10.1016/j.jbankfin.2010.02.014	https://doi.org/10.1016/j.jbankfin.2010.02.014	NOUN
easat-6704	222	4	http://doi.org/10.22495/rgcv8i3p1	http://doi.org/10.22495/rgcv8i3p1	PROPN
easat-6704	222	5	https://doi.org/10.4236/ojbm.2022.103076	https://doi.org/10.4236/ojbm.2022.103076	PROPN
easat-6704	222	6	https://doi.org/10.1016/j.jbankfin.2014.03.012	https://doi.org/10.1016/j.jbankfin.2014.03.012	PROPN
easat-6704	222	7	https://doi.org/10.1371/journal.pone.0289629	https://doi.org/10.1371/journal.pone.0289629	VERB
easat-6704	222	8	https://doi.org/10.1287/isre.2021.0997	https://doi.org/10.1287/isre.2021.0997	PROPN
easat-6704	222	9	https://doi.org/10.1177/23197145221099677	https://doi.org/10.1177/23197145221099677	NOUN
easat-6704	222	10	https://doi.org/10.21113/iir.v11i1.609	https://doi.org/10.21113/iir.v11i1.609	NUM
easat-6704	222	11	https://doi.org/10.1108/ijis-08-2018-0083	https://doi.org/10.1108/ijis-08-2018-0083	NOUN
easat-6704	222	12	https://doi.org/10.1111/dech.12466	https://doi.org/10.1111/dech.12466	ADJ
easat-6704	222	13	2999	2999	NUM
easat-6704	222	14	edelweiss	edelweiss	PROPN
easat-6704	222	15	applied	apply	VERB
easat-6704	222	16	science	science	NOUN
easat-6704	222	17	and	and	CCONJ
easat-6704	222	18	technology	technology	NOUN
easat-6704	222	19	issn	issn	PROPN
easat-6704	222	20	:	:	PUNCT
easat-6704	222	21	2576	2576	NUM
easat-6704	222	22	-	-	SYM
easat-6704	222	23	8484	8484	NUM
easat-6704	222	24	vol	vol	NOUN
easat-6704	222	25	.	.	PROPN
easat-6704	223	1	9	9	NUM
easat-6704	223	2	,	,	PUNCT
easat-6704	223	3	no	no	INTJ
easat-6704	223	4	.	.	NOUN
easat-6704	223	5	4	4	NUM
easat-6704	223	6	:	:	PUNCT
easat-6704	223	7	2990	2990	NUM
easat-6704	223	8	-	-	SYM
easat-6704	223	9	2999	2999	NUM
easat-6704	223	10	,	,	PUNCT
easat-6704	223	11	2025	2025	NUM
easat-6704	223	12	doi	doi	NOUN
easat-6704	223	13	:	:	PUNCT
easat-6704	223	14	10.55214/25768484.v9i4.6704	10.55214/25768484.v9i4.6704	NUM
easat-6704	223	15	©	©	ADP
easat-6704	223	16	2025	2025	NUM
easat-6704	223	17	by	by	ADP
easat-6704	223	18	the	the	DET
easat-6704	223	19	authors	author	NOUN
easat-6704	223	20	;	;	PUNCT
easat-6704	223	21	licensee	licensee	PROPN
easat-6704	223	22	learning	learning	NOUN
easat-6704	223	23	gate	gate	NOUN
easat-6704	224	1	[	[	X
easat-6704	224	2	14	14	NUM
easat-6704	224	3	]	]	PUNCT
easat-6704	224	4	z.	z.	PROPN
easat-6704	224	5	xie	xie	PROPN
easat-6704	224	6	et	et	PROPN
easat-6704	224	7	al	al	PROPN
easat-6704	224	8	.	.	PROPN
easat-6704	224	9	,	,	PUNCT
easat-6704	224	10	"	"	PUNCT
easat-6704	224	11	achieving	achieve	VERB
easat-6704	224	12	financial	financial	ADJ
easat-6704	224	13	sustainability	sustainability	NOUN
easat-6704	224	14	through	through	ADP
easat-6704	224	15	revenue	revenue	NOUN
easat-6704	224	16	diversification	diversification	NOUN
easat-6704	224	17	:	:	PUNCT
easat-6704	224	18	a	a	DET
easat-6704	224	19	green	green	ADJ
easat-6704	224	20	pathway	pathway	NOUN
easat-6704	224	21	for	for	ADP
easat-6704	224	22	financial	financial	ADJ
easat-6704	224	23	institutions	institution	NOUN
easat-6704	224	24	in	in	ADP
easat-6704	224	25	asia	asia	PROPN
easat-6704	224	26	,	,	PUNCT
easat-6704	224	27	"	"	PUNCT
easat-6704	224	28	sustainability	sustainability	NOUN
easat-6704	224	29	,	,	PUNCT
easat-6704	224	30	vol	vol	NOUN
easat-6704	224	31	.	.	PROPN
easat-6704	224	32	14	14	NUM
easat-6704	224	33	,	,	PUNCT
easat-6704	224	34	no	no	INTJ
easat-6704	224	35	.	.	NOUN
easat-6704	224	36	6	6	NUM
easat-6704	224	37	,	,	PUNCT
easat-6704	224	38	p.	p.	NOUN
easat-6704	224	39	3512	3512	NUM
easat-6704	224	40	,	,	PUNCT
easat-6704	224	41	2022	2022	NUM
easat-6704	224	42	.	.	PUNCT
easat-6704	225	1	https://doi.org/10.3390/su14063512	https://doi.org/10.3390/su14063512	X
easat-6704	226	1	[	[	X
easat-6704	226	2	15	15	NUM
easat-6704	226	3	]	]	X
easat-6704	226	4	a.	a.	PROPN
easat-6704	226	5	b.	b.	PROPN
easat-6704	226	6	siddik	siddik	PROPN
easat-6704	226	7	,	,	PUNCT
easat-6704	226	8	m.	m.	NOUN
easat-6704	226	9	masukujjaman	masukujjaman	NOUN
easat-6704	226	10	,	,	PUNCT
easat-6704	226	11	and	and	CCONJ
easat-6704	226	12	n.	n.	PROPN
easat-6704	226	13	fatema	fatema	PROPN
easat-6704	226	14	,	,	PUNCT
easat-6704	226	15	"	"	PUNCT
easat-6704	226	16	factors	factor	NOUN
easat-6704	226	17	affecting	affect	VERB
easat-6704	226	18	the	the	DET
easat-6704	226	19	sustainability	sustainability	NOUN
easat-6704	226	20	performance	performance	NOUN
easat-6704	226	21	of	of	ADP
easat-6704	226	22	financial	financial	ADJ
easat-6704	226	23	institutions	institution	NOUN
easat-6704	226	24	in	in	ADP
easat-6704	226	25	bangladesh	bangladesh	PROPN
easat-6704	226	26	:	:	PUNCT
easat-6704	226	27	the	the	DET
easat-6704	226	28	role	role	NOUN
easat-6704	226	29	of	of	ADP
easat-6704	226	30	green	green	ADJ
easat-6704	226	31	finance	finance	NOUN
easat-6704	226	32	,	,	PUNCT
easat-6704	226	33	"	"	PUNCT
easat-6704	226	34	sustainability	sustainability	NOUN
easat-6704	226	35	,	,	PUNCT
easat-6704	226	36	vol	vol	NOUN
easat-6704	226	37	.	.	PROPN
easat-6704	226	38	13	13	NUM
easat-6704	226	39	,	,	PUNCT
easat-6704	226	40	no	no	INTJ
easat-6704	226	41	.	.	NOUN
easat-6704	226	42	18	18	NUM
easat-6704	226	43	,	,	PUNCT
easat-6704	226	44	p.	p.	NOUN
easat-6704	226	45	10165	10165	NUM
easat-6704	226	46	,	,	PUNCT
easat-6704	226	47	2021	2021	NUM
easat-6704	226	48	.	.	PUNCT
easat-6704	226	49	https://doi.org/10.3390/su131810165	https://doi.org/10.3390/su131810165	PUNCT
easat-6704	227	1	[	[	X
easat-6704	227	2	16	16	NUM
easat-6704	227	3	]	]	PUNCT
easat-6704	227	4	k.	k.	PROPN
easat-6704	227	5	a.	a.	PROPN
easat-6704	227	6	bollen	bollen	PROPN
easat-6704	227	7	,	,	PUNCT
easat-6704	227	8	structural	structural	ADJ
easat-6704	227	9	equations	equation	NOUN
easat-6704	227	10	with	with	ADP
easat-6704	227	11	latent	latent	NOUN
easat-6704	227	12	variables	variable	NOUN
easat-6704	227	13	.	.	PUNCT
easat-6704	228	1	new	new	PROPN
easat-6704	228	2	york	york	PROPN
easat-6704	228	3	:	:	PUNCT
easat-6704	228	4	john	john	PROPN
easat-6704	228	5	wiley	wiley	PROPN
easat-6704	228	6	&	&	CCONJ
easat-6704	228	7	sons	son	NOUN
easat-6704	228	8	,	,	PUNCT
easat-6704	228	9	1998	1998	NUM
easat-6704	228	10	.	.	PUNCT
easat-6704	229	1	[	[	X
easat-6704	229	2	17	17	NUM
easat-6704	229	3	]	]	PUNCT
easat-6704	229	4	j.	j.	PROPN
easat-6704	229	5	f.	f.	PROPN
easat-6704	229	6	hair	hair	PROPN
easat-6704	229	7	,	,	PUNCT
easat-6704	229	8	r.	r.	PROPN
easat-6704	229	9	e.	e.	PROPN
easat-6704	229	10	anderson	anderson	PROPN
easat-6704	229	11	,	,	PUNCT
easat-6704	229	12	r.	r.	PROPN
easat-6704	229	13	l.	l.	PROPN
easat-6704	229	14	tatham	tatham	PROPN
easat-6704	229	15	,	,	PUNCT
easat-6704	229	16	and	and	CCONJ
easat-6704	229	17	w.	w.	PROPN
easat-6704	229	18	c.	c.	PROPN
easat-6704	229	19	black	black	PROPN
easat-6704	229	20	,	,	PUNCT
easat-6704	229	21	multivariate	multivariate	VERB
easat-6704	229	22	data	datum	NOUN
easat-6704	229	23	analysis	analysis	NOUN
easat-6704	229	24	,	,	PUNCT
easat-6704	229	25	5th	5th	ADJ
easat-6704	229	26	ed	ed	NOUN
easat-6704	229	27	.	.	PUNCT
easat-6704	230	1	upper	upper	ADJ
easat-6704	230	2	saddle	saddle	PROPN
easat-6704	230	3	river	river	PROPN
easat-6704	230	4	,	,	PUNCT
easat-6704	230	5	nj	nj	PROPN
easat-6704	230	6	:	:	PUNCT
easat-6704	230	7	prentice	prentice	NOUN
easat-6704	230	8	-	-	PUNCT
easat-6704	230	9	hall	hall	NOUN
easat-6704	230	10	,	,	PUNCT
easat-6704	230	11	1998	1998	NUM
easat-6704	230	12	.	.	PUNCT
easat-6704	231	1	https://doi.org/10.3390/su14063512	https://doi.org/10.3390/su14063512	X
easat-6704	231	2	https://doi.org/10.3390/su131810165	https://doi.org/10.3390/su131810165	PUNCT