id	sid	tid	token	lemma	pos
easat-6885	1	1	edelweiss	edelweiss	PROPN
easat-6885	1	2	applied	apply	VERB
easat-6885	1	3	science	science	NOUN
easat-6885	1	4	and	and	CCONJ
easat-6885	1	5	technology	technology	NOUN
easat-6885	1	6	issn	issn	PROPN
easat-6885	1	7	:	:	PUNCT
easat-6885	1	8	2576	2576	NUM
easat-6885	1	9	-	-	SYM
easat-6885	1	10	8484	8484	NUM
easat-6885	1	11	vol	vol	NOUN
easat-6885	1	12	.	.	PROPN
easat-6885	2	1	9	9	NUM
easat-6885	2	2	,	,	PUNCT
easat-6885	2	3	no	no	INTJ
easat-6885	2	4	.	.	NOUN
easat-6885	2	5	5	5	NUM
easat-6885	2	6	,	,	PUNCT
easat-6885	2	7	424	424	NUM
easat-6885	2	8	-	-	SYM
easat-6885	2	9	435	435	NUM
easat-6885	2	10	2025	2025	NUM
easat-6885	2	11	publisher	publisher	NOUN
easat-6885	2	12	:	:	PUNCT
easat-6885	2	13	learning	learn	VERB
easat-6885	2	14	gate	gate	NOUN
easat-6885	2	15	doi	doi	PROPN
easat-6885	2	16	:	:	PUNCT
easat-6885	2	17	10.55214/25768484.v9i5.6885	10.55214/25768484.v9i5.6885	NUM
easat-6885	2	18	©	©	NOUN
easat-6885	2	19	2025	2025	NUM
easat-6885	2	20	by	by	ADP
easat-6885	2	21	the	the	DET
easat-6885	2	22	authors	author	NOUN
easat-6885	2	23	;	;	PUNCT
easat-6885	2	24	licensee	licensee	PROPN
easat-6885	2	25	learning	learning	NOUN
easat-6885	2	26	gate	gate	NOUN
easat-6885	3	1	©	©	PROPN
easat-6885	3	2	2025	2025	NUM
easat-6885	3	3	by	by	ADP
easat-6885	3	4	the	the	DET
easat-6885	3	5	authors	author	NOUN
easat-6885	3	6	;	;	PUNCT
easat-6885	3	7	licensee	licensee	PROPN
easat-6885	3	8	learning	learning	NOUN
easat-6885	3	9	gate	gate	NOUN
easat-6885	3	10	history	history	NOUN
easat-6885	3	11	:	:	PUNCT
easat-6885	3	12	received	receive	VERB
easat-6885	3	13	:	:	PUNCT
easat-6885	3	14	17	17	NUM
easat-6885	3	15	february	february	NOUN
easat-6885	3	16	2025	2025	NUM
easat-6885	3	17	;	;	PUNCT
easat-6885	3	18	revised	revise	VERB
easat-6885	3	19	:	:	PUNCT
easat-6885	3	20	19	19	NUM
easat-6885	3	21	april	april	PROPN
easat-6885	3	22	2025	2025	NUM
easat-6885	3	23	;	;	PUNCT
easat-6885	3	24	accepted	accept	VERB
easat-6885	3	25	:	:	PUNCT
easat-6885	3	26	23	23	NUM
easat-6885	3	27	april	april	PROPN
easat-6885	3	28	2025	2025	NUM
easat-6885	3	29	;	;	PUNCT
easat-6885	3	30	published	publish	VERB
easat-6885	3	31	:	:	PUNCT
easat-6885	3	32	5	5	NUM
easat-6885	3	33	may	may	PROPN
easat-6885	3	34	2025	2025	NUM
easat-6885	3	35	*	*	PUNCT
easat-6885	3	36	correspondence	correspondence	NOUN
easat-6885	3	37	:	:	PUNCT
easat-6885	3	38	dwifitrizalslm@telkomuniversity.ac.id	dwifitrizalslm@telkomuniversity.ac.id	PROPN
easat-6885	3	39	gender	gender	NOUN
easat-6885	3	40	-	-	PUNCT
easat-6885	3	41	inclusive	inclusive	ADJ
easat-6885	3	42	fintech	fintech	NOUN
easat-6885	3	43	and	and	CCONJ
easat-6885	3	44	economic	economic	ADJ
easat-6885	3	45	growth	growth	NOUN
easat-6885	3	46	:	:	PUNCT
easat-6885	3	47	the	the	DET
easat-6885	3	48	case	case	NOUN
easat-6885	3	49	of	of	ADP
easat-6885	3	50	p2p	p2p	NOUN
easat-6885	3	51	lending	lend	VERB
easat-6885	3	52	in	in	ADP
easat-6885	3	53	indonesia	indonesia	PROPN
easat-6885	3	54	dwi	dwi	PROPN
easat-6885	3	55	fitrizal	fitrizal	PROPN
easat-6885	3	56	salim1	salim1	PROPN
easat-6885	3	57	*	*	PROPN
easat-6885	3	58	,	,	PUNCT
easat-6885	3	59	widyadhana	widyadhana	PROPN
easat-6885	3	60	candraningtias2	candraningtias2	PROPN
easat-6885	3	61	,	,	PUNCT
easat-6885	3	62	koenta	koenta	VERB
easat-6885	3	63	adji	adji	PROPN
easat-6885	3	64	koerniawan3	koerniawan3	PROPN
easat-6885	3	65	,	,	PUNCT
easat-6885	3	66	deannes	deanne	NOUN
easat-6885	3	67	isynuwardhana4	isynuwardhana4	NOUN
easat-6885	4	1	1,3,4school	1,3,4school	NUM
easat-6885	4	2	of	of	ADP
easat-6885	4	3	economics	economic	NOUN
easat-6885	4	4	and	and	CCONJ
easat-6885	4	5	business	business	NOUN
easat-6885	4	6	,	,	PUNCT
easat-6885	4	7	telkom	telkom	PROPN
easat-6885	4	8	university	university	PROPN
easat-6885	4	9	,	,	PUNCT
easat-6885	4	10	bandung	bandung	PROPN
easat-6885	4	11	,	,	PUNCT
easat-6885	4	12	indonesia	indonesia	PROPN
easat-6885	4	13	;	;	PUNCT
easat-6885	4	14	dwifitrizalslm@telkomuniversity.ac.id	dwifitrizalslm@telkomuniversity.ac.id	PROPN
easat-6885	4	15	(	(	PUNCT
easat-6885	4	16	d.f.s	d.f.s	ADJ
easat-6885	4	17	.	.	PUNCT
easat-6885	4	18	)	)	PUNCT
easat-6885	4	19	.	.	PUNCT
easat-6885	5	1	2faculty	2faculty	NUM
easat-6885	5	2	of	of	ADP
easat-6885	5	3	management	management	NOUN
easat-6885	5	4	and	and	CCONJ
easat-6885	5	5	business	business	NOUN
easat-6885	5	6	sciences	science	NOUN
easat-6885	5	7	,	,	PUNCT
easat-6885	5	8	universitas	universita	NOUN
easat-6885	5	9	dinamika	dinamika	PROPN
easat-6885	5	10	bangsa	bangsa	PROPN
easat-6885	5	11	,	,	PUNCT
easat-6885	5	12	jambi	jambi	PROPN
easat-6885	5	13	,	,	PUNCT
easat-6885	5	14	indonesia	indonesia	PROPN
easat-6885	5	15	.	.	PUNCT
easat-6885	6	1	abstract	abstract	PROPN
easat-6885	6	2	:	:	PUNCT
easat-6885	6	3	this	this	DET
easat-6885	6	4	study	study	NOUN
easat-6885	6	5	investigates	investigate	VERB
easat-6885	6	6	how	how	SCONJ
easat-6885	6	7	financial	financial	ADJ
easat-6885	6	8	performance	performance	NOUN
easat-6885	6	9	indicators	indicator	NOUN
easat-6885	6	10	,	,	PUNCT
easat-6885	6	11	gender	gender	NOUN
easat-6885	6	12	-	-	PUNCT
easat-6885	6	13	based	base	VERB
easat-6885	6	14	user	user	NOUN
easat-6885	6	15	demographics	demographic	NOUN
easat-6885	6	16	,	,	PUNCT
easat-6885	6	17	and	and	CCONJ
easat-6885	6	18	the	the	DET
easat-6885	6	19	strategic	strategic	ADJ
easat-6885	6	20	role	role	NOUN
easat-6885	6	21	of	of	ADP
easat-6885	6	22	fraud	fraud	NOUN
easat-6885	6	23	deterrence	deterrence	NOUN
easat-6885	6	24	in	in	ADP
easat-6885	6	25	peer	peer	NOUN
easat-6885	6	26	-	-	PUNCT
easat-6885	6	27	to	to	ADP
easat-6885	6	28	-	-	PUNCT
easat-6885	6	29	peer	peer	NOUN
easat-6885	6	30	(	(	PUNCT
easat-6885	6	31	p2p	p2p	NOUN
easat-6885	6	32	)	)	PUNCT
easat-6885	6	33	lending	lending	NOUN
easat-6885	6	34	fintech	fintech	NOUN
easat-6885	6	35	companies	company	NOUN
easat-6885	6	36	influence	influence	VERB
easat-6885	6	37	indonesia	indonesia	PROPN
easat-6885	6	38	’s	’s	PART
easat-6885	6	39	economic	economic	ADJ
easat-6885	6	40	growth	growth	NOUN
easat-6885	6	41	.	.	PUNCT
easat-6885	7	1	using	use	VERB
easat-6885	7	2	monthly	monthly	ADJ
easat-6885	7	3	data	datum	NOUN
easat-6885	7	4	from	from	ADP
easat-6885	7	5	may	may	PROPN
easat-6885	7	6	2021	2021	NUM
easat-6885	7	7	to	to	ADP
easat-6885	7	8	december	december	PROPN
easat-6885	7	9	2024	2024	NUM
easat-6885	7	10	,	,	PUNCT
easat-6885	7	11	the	the	DET
easat-6885	7	12	study	study	NOUN
easat-6885	7	13	employs	employ	VERB
easat-6885	7	14	ordinary	ordinary	ADJ
easat-6885	7	15	least	least	ADJ
easat-6885	7	16	squares	square	NOUN
easat-6885	7	17	(	(	PUNCT
easat-6885	7	18	ols	ol	NOUN
easat-6885	7	19	)	)	PUNCT
easat-6885	7	20	regression	regression	NOUN
easat-6885	7	21	to	to	PART
easat-6885	7	22	analyze	analyze	VERB
easat-6885	7	23	the	the	DET
easat-6885	7	24	impact	impact	NOUN
easat-6885	7	25	of	of	ADP
easat-6885	7	26	variables	variable	NOUN
easat-6885	7	27	such	such	ADJ
easat-6885	7	28	as	as	ADP
easat-6885	7	29	net	net	ADJ
easat-6885	7	30	interest	interest	NOUN
easat-6885	7	31	margin	margin	NOUN
easat-6885	7	32	,	,	PUNCT
easat-6885	7	33	company	company	NOUN
easat-6885	7	34	scale	scale	NOUN
easat-6885	7	35	,	,	PUNCT
easat-6885	7	36	interest	interest	NOUN
easat-6885	7	37	income	income	NOUN
easat-6885	7	38	share	share	NOUN
easat-6885	7	39	,	,	PUNCT
easat-6885	7	40	user	user	NOUN
easat-6885	7	41	gender	gender	NOUN
easat-6885	7	42	composition	composition	NOUN
easat-6885	7	43	,	,	PUNCT
easat-6885	7	44	and	and	CCONJ
easat-6885	7	45	governancebased	governancebase	VERB
easat-6885	7	46	deterrence	deterrence	NOUN
easat-6885	7	47	practices	practice	NOUN
easat-6885	7	48	on	on	ADP
easat-6885	7	49	indonesia	indonesia	PROPN
easat-6885	7	50	’s	’s	PART
easat-6885	7	51	gdp	gdp	PROPN
easat-6885	7	52	.	.	PUNCT
easat-6885	8	1	the	the	DET
easat-6885	8	2	results	result	NOUN
easat-6885	8	3	show	show	VERB
easat-6885	8	4	that	that	SCONJ
easat-6885	8	5	net	net	ADJ
easat-6885	8	6	interest	interest	NOUN
easat-6885	8	7	margin	margin	NOUN
easat-6885	8	8	,	,	PUNCT
easat-6885	8	9	company	company	NOUN
easat-6885	8	10	scale	scale	NOUN
easat-6885	8	11	,	,	PUNCT
easat-6885	8	12	interest	interest	NOUN
easat-6885	8	13	income	income	NOUN
easat-6885	8	14	share	share	NOUN
easat-6885	8	15	,	,	PUNCT
easat-6885	8	16	and	and	CCONJ
easat-6885	8	17	female	female	ADJ
easat-6885	8	18	user	user	NOUN
easat-6885	8	19	participation	participation	NOUN
easat-6885	8	20	significantly	significantly	ADV
easat-6885	8	21	contribute	contribute	VERB
easat-6885	8	22	to	to	ADP
easat-6885	8	23	gdp	gdp	NOUN
easat-6885	8	24	growth	growth	NOUN
easat-6885	8	25	.	.	PUNCT
easat-6885	9	1	furthermore	furthermore	ADV
easat-6885	9	2	,	,	PUNCT
easat-6885	9	3	fraud	fraud	NOUN
easat-6885	9	4	deterrence	deterrence	NOUN
easat-6885	9	5	emerges	emerge	VERB
easat-6885	9	6	as	as	ADP
easat-6885	9	7	a	a	DET
easat-6885	9	8	critical	critical	ADJ
easat-6885	9	9	element	element	NOUN
easat-6885	9	10	in	in	ADP
easat-6885	9	11	maintaining	maintain	VERB
easat-6885	9	12	operational	operational	ADJ
easat-6885	9	13	integrity	integrity	NOUN
easat-6885	9	14	and	and	CCONJ
easat-6885	9	15	supporting	support	VERB
easat-6885	9	16	long	long	ADJ
easat-6885	9	17	-	-	PUNCT
easat-6885	9	18	term	term	NOUN
easat-6885	9	19	inclusivity	inclusivity	NOUN
easat-6885	9	20	in	in	ADP
easat-6885	9	21	fintech	fintech	NOUN
easat-6885	9	22	development	development	NOUN
easat-6885	9	23	.	.	PUNCT
easat-6885	10	1	inclusive	inclusive	ADJ
easat-6885	10	2	and	and	CCONJ
easat-6885	10	3	well	well	ADV
easat-6885	10	4	-	-	PUNCT
easat-6885	10	5	governed	govern	VERB
easat-6885	10	6	fintech	fintech	NOUN
easat-6885	10	7	services	service	NOUN
easat-6885	10	8	—	—	PUNCT
easat-6885	10	9	particularly	particularly	ADV
easat-6885	10	10	those	those	PRON
easat-6885	10	11	emphasizing	emphasize	VERB
easat-6885	10	12	gender	gender	NOUN
easat-6885	10	13	engagement	engagement	NOUN
easat-6885	10	14	and	and	CCONJ
easat-6885	10	15	institutional	institutional	ADJ
easat-6885	10	16	safeguards	safeguard	NOUN
easat-6885	10	17	—	—	PUNCT
easat-6885	10	18	play	play	VERB
easat-6885	10	19	a	a	DET
easat-6885	10	20	vital	vital	ADJ
easat-6885	10	21	role	role	NOUN
easat-6885	10	22	in	in	ADP
easat-6885	10	23	promoting	promote	VERB
easat-6885	10	24	resilient	resilient	ADJ
easat-6885	10	25	and	and	CCONJ
easat-6885	10	26	inclusive	inclusive	ADJ
easat-6885	10	27	national	national	ADJ
easat-6885	10	28	economic	economic	ADJ
easat-6885	10	29	growth	growth	NOUN
easat-6885	10	30	.	.	PUNCT
easat-6885	11	1	policymakers	policymaker	NOUN
easat-6885	11	2	and	and	CCONJ
easat-6885	11	3	fintech	fintech	NOUN
easat-6885	11	4	practitioners	practitioner	NOUN
easat-6885	11	5	should	should	AUX
easat-6885	11	6	adopt	adopt	VERB
easat-6885	11	7	gender	gender	NOUN
easat-6885	11	8	-	-	PUNCT
easat-6885	11	9	inclusive	inclusive	NOUN
easat-6885	11	10	,	,	PUNCT
easat-6885	11	11	fraud	fraud	NOUN
easat-6885	11	12	-	-	PUNCT
easat-6885	11	13	sensitive	sensitive	ADJ
easat-6885	11	14	lending	lending	NOUN
easat-6885	11	15	models	model	NOUN
easat-6885	11	16	and	and	CCONJ
easat-6885	11	17	governance	governance	NOUN
easat-6885	11	18	improvements	improvement	NOUN
easat-6885	11	19	to	to	PART
easat-6885	11	20	maximize	maximize	VERB
easat-6885	11	21	the	the	DET
easat-6885	11	22	sector	sector	NOUN
easat-6885	11	23	’s	’s	PART
easat-6885	11	24	macroeconomic	macroeconomic	ADJ
easat-6885	11	25	contribution	contribution	NOUN
easat-6885	11	26	.	.	PUNCT
easat-6885	12	1	keywords	keyword	NOUN
easat-6885	12	2	:	:	PUNCT
easat-6885	12	3	economic	economic	ADJ
easat-6885	12	4	growth	growth	NOUN
easat-6885	12	5	,	,	PUNCT
easat-6885	12	6	financial	financial	ADJ
easat-6885	12	7	performance	performance	NOUN
easat-6885	12	8	,	,	PUNCT
easat-6885	12	9	fintech	fintech	NOUN
easat-6885	12	10	,	,	PUNCT
easat-6885	12	11	gender	gender	NOUN
easat-6885	12	12	inclusion	inclusion	NOUN
easat-6885	12	13	,	,	PUNCT
easat-6885	12	14	indonesia	indonesia	PROPN
easat-6885	12	15	,	,	PUNCT
easat-6885	12	16	gdp	gdp	PROPN
easat-6885	12	17	,	,	PUNCT
easat-6885	12	18	p2p	p2p	NOUN
easat-6885	12	19	lending	lending	NOUN
easat-6885	12	20	.	.	PUNCT
easat-6885	13	1	1	1	X
easat-6885	13	2	.	.	X
easat-6885	13	3	introduction	introduction	NOUN
easat-6885	13	4	the	the	DET
easat-6885	13	5	rapid	rapid	ADJ
easat-6885	13	6	growth	growth	NOUN
easat-6885	13	7	of	of	ADP
easat-6885	13	8	the	the	DET
easat-6885	13	9	financial	financial	ADJ
easat-6885	13	10	technology	technology	NOUN
easat-6885	13	11	(	(	PUNCT
easat-6885	13	12	fintech	fintech	NOUN
easat-6885	13	13	)	)	PUNCT
easat-6885	13	14	sector	sector	NOUN
easat-6885	13	15	in	in	ADP
easat-6885	13	16	indonesia	indonesia	PROPN
easat-6885	13	17	over	over	ADP
easat-6885	13	18	recent	recent	ADJ
easat-6885	13	19	years	year	NOUN
easat-6885	13	20	has	have	AUX
easat-6885	13	21	marked	mark	VERB
easat-6885	13	22	a	a	DET
easat-6885	13	23	significant	significant	ADJ
easat-6885	13	24	transformation	transformation	NOUN
easat-6885	13	25	in	in	ADP
easat-6885	13	26	the	the	DET
easat-6885	13	27	country	country	NOUN
easat-6885	13	28	’s	’s	PART
easat-6885	13	29	financial	financial	ADJ
easat-6885	13	30	landscape	landscape	NOUN
easat-6885	13	31	.	.	PUNCT
easat-6885	14	1	fintech	fintech	NOUN
easat-6885	14	2	has	have	AUX
easat-6885	14	3	emerged	emerge	VERB
easat-6885	14	4	as	as	ADP
easat-6885	14	5	a	a	DET
easat-6885	14	6	revolutionary	revolutionary	ADJ
easat-6885	14	7	innovation	innovation	NOUN
easat-6885	14	8	that	that	PRON
easat-6885	14	9	offers	offer	VERB
easat-6885	14	10	more	more	ADJ
easat-6885	14	11	inclusive	inclusive	ADJ
easat-6885	14	12	financial	financial	ADJ
easat-6885	14	13	solutions	solution	NOUN
easat-6885	14	14	,	,	PUNCT
easat-6885	14	15	particularly	particularly	ADV
easat-6885	14	16	for	for	ADP
easat-6885	14	17	individuals	individual	NOUN
easat-6885	14	18	and	and	CCONJ
easat-6885	14	19	communities	community	NOUN
easat-6885	14	20	that	that	PRON
easat-6885	14	21	remain	remain	VERB
easat-6885	14	22	underserved	underserved	ADJ
easat-6885	14	23	by	by	ADP
easat-6885	14	24	conventional	conventional	ADJ
easat-6885	14	25	banking	banking	NOUN
easat-6885	14	26	institutions	institution	NOUN
easat-6885	14	27	[	[	X
easat-6885	14	28	1	1	NUM
easat-6885	14	29	]	]	PUNCT
easat-6885	14	30	.	.	PUNCT
easat-6885	15	1	by	by	ADP
easat-6885	15	2	enhancing	enhance	VERB
easat-6885	15	3	financial	financial	ADJ
easat-6885	15	4	inclusion	inclusion	NOUN
easat-6885	15	5	,	,	PUNCT
easat-6885	15	6	fintech	fintech	NOUN
easat-6885	15	7	possesses	possess	VERB
easat-6885	15	8	the	the	DET
easat-6885	15	9	potential	potential	NOUN
easat-6885	15	10	to	to	PART
easat-6885	15	11	play	play	VERB
easat-6885	15	12	a	a	DET
easat-6885	15	13	pivotal	pivotal	ADJ
easat-6885	15	14	role	role	NOUN
easat-6885	15	15	in	in	ADP
easat-6885	15	16	driving	drive	VERB
easat-6885	15	17	economic	economic	ADJ
easat-6885	15	18	growth	growth	NOUN
easat-6885	15	19	.	.	PUNCT
easat-6885	16	1	among	among	ADP
easat-6885	16	2	its	its	PRON
easat-6885	16	3	various	various	ADJ
easat-6885	16	4	subsectors	subsector	NOUN
easat-6885	16	5	,	,	PUNCT
easat-6885	16	6	peer	peer	NOUN
easat-6885	16	7	-	-	PUNCT
easat-6885	16	8	to	to	ADP
easat-6885	16	9	-	-	PUNCT
easat-6885	16	10	peer	peer	NOUN
easat-6885	16	11	(	(	PUNCT
easat-6885	16	12	p2p	p2p	NOUN
easat-6885	16	13	)	)	PUNCT
easat-6885	16	14	lending	lending	NOUN
easat-6885	16	15	has	have	AUX
easat-6885	16	16	gained	gain	VERB
easat-6885	16	17	prominence	prominence	NOUN
easat-6885	16	18	and	and	CCONJ
easat-6885	16	19	is	be	AUX
easat-6885	16	20	expected	expect	VERB
easat-6885	16	21	to	to	PART
easat-6885	16	22	contribute	contribute	VERB
easat-6885	16	23	strategically	strategically	ADV
easat-6885	16	24	to	to	ADP
easat-6885	16	25	indonesia	indonesia	PROPN
easat-6885	16	26	’s	’s	PART
easat-6885	16	27	economic	economic	ADJ
easat-6885	16	28	development	development	NOUN
easat-6885	16	29	in	in	ADP
easat-6885	16	30	the	the	DET
easat-6885	16	31	coming	come	VERB
easat-6885	16	32	years	year	NOUN
easat-6885	17	1	[	[	X
easat-6885	17	2	2	2	NUM
easat-6885	17	3	]	]	PUNCT
easat-6885	17	4	.	.	PUNCT
easat-6885	18	1	p2p	p2p	NOUN
easat-6885	18	2	lending	lending	NOUN
easat-6885	18	3	facilitates	facilitate	VERB
easat-6885	18	4	direct	direct	ADJ
easat-6885	18	5	funding	funding	NOUN
easat-6885	18	6	between	between	ADP
easat-6885	18	7	lenders	lender	NOUN
easat-6885	18	8	and	and	CCONJ
easat-6885	18	9	borrowers	borrower	NOUN
easat-6885	18	10	without	without	ADP
easat-6885	18	11	the	the	DET
easat-6885	18	12	intermediation	intermediation	NOUN
easat-6885	18	13	of	of	ADP
easat-6885	18	14	traditional	traditional	ADJ
easat-6885	18	15	financial	financial	ADJ
easat-6885	18	16	institutions	institution	NOUN
easat-6885	18	17	.	.	PUNCT
easat-6885	19	1	in	in	ADP
easat-6885	19	2	indonesia	indonesia	PROPN
easat-6885	19	3	,	,	PUNCT
easat-6885	19	4	this	this	DET
easat-6885	19	5	mechanism	mechanism	NOUN
easat-6885	19	6	possesses	possess	VERB
easat-6885	19	7	significantly	significantly	ADV
easat-6885	19	8	improved	improve	VERB
easat-6885	19	9	access	access	NOUN
easat-6885	19	10	to	to	ADP
easat-6885	19	11	capital	capital	NOUN
easat-6885	19	12	,	,	PUNCT
easat-6885	19	13	especially	especially	ADV
easat-6885	19	14	in	in	ADP
easat-6885	19	15	rural	rural	ADJ
easat-6885	19	16	or	or	CCONJ
easat-6885	19	17	remote	remote	ADJ
easat-6885	19	18	areas	area	NOUN
easat-6885	19	19	where	where	SCONJ
easat-6885	19	20	banking	banking	NOUN
easat-6885	19	21	services	service	NOUN
easat-6885	19	22	are	be	AUX
easat-6885	19	23	limited	limit	VERB
easat-6885	19	24	.	.	PUNCT
easat-6885	20	1	according	accord	VERB
easat-6885	20	2	to	to	ADP
easat-6885	20	3	the	the	DET
easat-6885	20	4	financial	financial	ADJ
easat-6885	20	5	services	service	NOUN
easat-6885	20	6	authority	authority	NOUN
easat-6885	20	7	willyams	willyam	NOUN
easat-6885	20	8	and	and	CCONJ
easat-6885	20	9	yusuf	yusuf	PROPN
easat-6885	20	10	[	[	X
easat-6885	20	11	3	3	X
easat-6885	20	12	]	]	PUNCT
easat-6885	20	13	the	the	DET
easat-6885	20	14	sector	sector	NOUN
easat-6885	20	15	continues	continue	VERB
easat-6885	20	16	to	to	PART
easat-6885	20	17	record	record	VERB
easat-6885	20	18	robust	robust	ADJ
easat-6885	20	19	growth	growth	NOUN
easat-6885	20	20	,	,	PUNCT
easat-6885	20	21	both	both	CCONJ
easat-6885	20	22	in	in	ADP
easat-6885	20	23	terms	term	NOUN
easat-6885	20	24	of	of	ADP
easat-6885	20	25	the	the	DET
easat-6885	20	26	number	number	NOUN
easat-6885	20	27	of	of	ADP
easat-6885	20	28	registered	register	VERB
easat-6885	20	29	platforms	platform	NOUN
easat-6885	20	30	and	and	CCONJ
easat-6885	20	31	the	the	DET
easat-6885	20	32	volume	volume	NOUN
easat-6885	20	33	of	of	ADP
easat-6885	20	34	loans	loan	NOUN
easat-6885	20	35	disbursed	disburse	VERB
easat-6885	20	36	.	.	PUNCT
easat-6885	21	1	the	the	DET
easat-6885	21	2	contribution	contribution	NOUN
easat-6885	21	3	of	of	ADP
easat-6885	21	4	p2p	p2p	NOUN
easat-6885	21	5	lending	lending	NOUN
easat-6885	21	6	fintech	fintech	NOUN
easat-6885	21	7	to	to	ADP
easat-6885	21	8	indonesia	indonesia	PROPN
easat-6885	21	9	’s	’s	PART
easat-6885	21	10	gross	gross	ADJ
easat-6885	21	11	domestic	domestic	ADJ
easat-6885	21	12	product	product	NOUN
easat-6885	21	13	(	(	PUNCT
easat-6885	21	14	gdp	gdp	NOUN
easat-6885	21	15	)	)	PUNCT
easat-6885	21	16	is	be	AUX
easat-6885	21	17	increasingly	increasingly	ADV
easat-6885	21	18	evident	evident	ADJ
easat-6885	21	19	[	[	X
easat-6885	21	20	4	4	NUM
easat-6885	21	21	]	]	PUNCT
easat-6885	21	22	.	.	PUNCT
easat-6885	22	1	these	these	DET
easat-6885	22	2	platforms	platform	NOUN
easat-6885	22	3	provide	provide	VERB
easat-6885	22	4	critical	critical	ADJ
easat-6885	22	5	access	access	NOUN
easat-6885	22	6	to	to	ADP
easat-6885	22	7	financing	financing	NOUN
easat-6885	22	8	for	for	ADP
easat-6885	22	9	micro	micro	ADJ
easat-6885	22	10	,	,	PUNCT
easat-6885	22	11	small	small	ADJ
easat-6885	22	12	,	,	PUNCT
easat-6885	22	13	and	and	CCONJ
easat-6885	22	14	medium	medium	ADJ
easat-6885	22	15	-	-	PUNCT
easat-6885	22	16	sized	sized	ADJ
easat-6885	22	17	enterprises	enterprise	NOUN
easat-6885	22	18	(	(	PUNCT
easat-6885	22	19	msmes	msmes	PROPN
easat-6885	22	20	)	)	PUNCT
easat-6885	22	21	,	,	PUNCT
easat-6885	22	22	which	which	PRON
easat-6885	22	23	are	be	AUX
easat-6885	22	24	recognized	recognize	VERB
easat-6885	22	25	as	as	ADP
easat-6885	22	26	the	the	DET
easat-6885	22	27	backbone	backbone	NOUN
easat-6885	22	28	of	of	ADP
easat-6885	22	29	the	the	DET
easat-6885	22	30	indonesian	indonesian	ADJ
easat-6885	22	31	economy	economy	NOUN
easat-6885	22	32	.	.	PUNCT
easat-6885	23	1	by	by	ADP
easat-6885	23	2	facilitating	facilitate	VERB
easat-6885	23	3	increased	increase	VERB
easat-6885	23	4	production	production	NOUN
easat-6885	23	5	capacity	capacity	NOUN
easat-6885	23	6	and	and	CCONJ
easat-6885	23	7	supporting	support	VERB
easat-6885	23	8	job	job	NOUN
easat-6885	23	9	creation	creation	NOUN
easat-6885	23	10	,	,	PUNCT
easat-6885	23	11	fintech	fintech	NOUN
easat-6885	23	12	helps	help	VERB
easat-6885	23	13	to	to	PART
easat-6885	23	14	stimulate	stimulate	VERB
easat-6885	23	15	economic	economic	ADJ
easat-6885	23	16	activity	activity	NOUN
easat-6885	23	17	and	and	CCONJ
easat-6885	23	18	,	,	PUNCT
easat-6885	23	19	consequently	consequently	ADV
easat-6885	23	20	,	,	PUNCT
easat-6885	23	21	gdp	gdp	NOUN
easat-6885	23	22	growth	growth	NOUN
easat-6885	23	23	[	[	X
easat-6885	23	24	5	5	NUM
easat-6885	23	25	]	]	PUNCT
easat-6885	23	26	.	.	PUNCT
easat-6885	24	1	https://orcid.org/0000-0002-5026-8983	https://orcid.org/0000-0002-5026-8983	PROPN
easat-6885	24	2	https://orcid.org/0000-0002-5538-3817	https://orcid.org/0000-0002-5538-3817	PROPN
easat-6885	24	3	https://orcid.org/0000-0003-4058-6133	https://orcid.org/0000-0003-4058-6133	PROPN
easat-6885	24	4	425	425	NUM
easat-6885	24	5	edelweiss	edelweiss	PROPN
easat-6885	24	6	applied	apply	VERB
easat-6885	24	7	science	science	NOUN
easat-6885	24	8	and	and	CCONJ
easat-6885	24	9	technology	technology	NOUN
easat-6885	24	10	issn	issn	PROPN
easat-6885	24	11	:	:	PUNCT
easat-6885	24	12	2576	2576	NUM
easat-6885	24	13	-	-	SYM
easat-6885	24	14	8484	8484	NUM
easat-6885	24	15	vol	vol	NOUN
easat-6885	24	16	.	.	PROPN
easat-6885	25	1	9	9	NUM
easat-6885	25	2	,	,	PUNCT
easat-6885	25	3	no	no	INTJ
easat-6885	25	4	.	.	NOUN
easat-6885	25	5	5	5	NUM
easat-6885	25	6	:	:	PUNCT
easat-6885	25	7	424	424	NUM
easat-6885	25	8	-	-	SYM
easat-6885	25	9	435	435	NUM
easat-6885	25	10	,	,	PUNCT
easat-6885	25	11	2025	2025	NUM
easat-6885	25	12	doi	doi	NOUN
easat-6885	25	13	:	:	PUNCT
easat-6885	25	14	10.55214/25768484.v9i5.6885	10.55214/25768484.v9i5.6885	NUM
easat-6885	25	15	©	©	NOUN
easat-6885	25	16	2025	2025	NUM
easat-6885	25	17	by	by	ADP
easat-6885	25	18	the	the	DET
easat-6885	25	19	authors	author	NOUN
easat-6885	25	20	;	;	PUNCT
easat-6885	25	21	licensee	licensee	PROPN
easat-6885	25	22	learning	learn	VERB
easat-6885	25	23	gate	gate	NOUN
easat-6885	25	24	beyond	beyond	ADP
easat-6885	25	25	financial	financial	ADJ
easat-6885	25	26	access	access	NOUN
easat-6885	25	27	,	,	PUNCT
easat-6885	25	28	the	the	DET
easat-6885	25	29	broader	broad	ADJ
easat-6885	25	30	fintech	fintech	NOUN
easat-6885	25	31	industry	industry	NOUN
easat-6885	25	32	contributes	contribute	VERB
easat-6885	25	33	to	to	ADP
easat-6885	25	34	gdp	gdp	NOUN
easat-6885	25	35	through	through	ADP
easat-6885	25	36	the	the	DET
easat-6885	25	37	development	development	NOUN
easat-6885	25	38	of	of	ADP
easat-6885	25	39	a	a	DET
easat-6885	25	40	digital	digital	ADJ
easat-6885	25	41	ecosystem	ecosystem	NOUN
easat-6885	25	42	that	that	PRON
easat-6885	25	43	incorporates	incorporate	VERB
easat-6885	25	44	advanced	advanced	ADJ
easat-6885	25	45	technology	technology	NOUN
easat-6885	25	46	,	,	PUNCT
easat-6885	25	47	skilled	skilled	ADJ
easat-6885	25	48	human	human	ADJ
easat-6885	25	49	resources	resource	NOUN
easat-6885	25	50	,	,	PUNCT
easat-6885	25	51	and	and	CCONJ
easat-6885	25	52	domestic	domestic	ADJ
easat-6885	25	53	and	and	CCONJ
easat-6885	25	54	foreign	foreign	ADJ
easat-6885	25	55	investment	investment	NOUN
easat-6885	25	56	[	[	X
easat-6885	25	57	6	6	NUM
easat-6885	25	58	]	]	PUNCT
easat-6885	25	59	.	.	PUNCT
easat-6885	26	1	the	the	DET
easat-6885	26	2	application	application	NOUN
easat-6885	26	3	of	of	ADP
easat-6885	26	4	innovations	innovation	NOUN
easat-6885	26	5	such	such	ADJ
easat-6885	26	6	as	as	ADP
easat-6885	26	7	artificial	artificial	ADJ
easat-6885	26	8	intelligence	intelligence	NOUN
easat-6885	26	9	(	(	PUNCT
easat-6885	26	10	ai	ai	NOUN
easat-6885	26	11	)	)	PUNCT
easat-6885	26	12	and	and	CCONJ
easat-6885	26	13	big	big	ADJ
easat-6885	26	14	data	datum	NOUN
easat-6885	26	15	analytics	analytic	NOUN
easat-6885	26	16	enhances	enhance	VERB
easat-6885	26	17	operational	operational	ADJ
easat-6885	26	18	efficiencies	efficiency	NOUN
easat-6885	26	19	across	across	ADP
easat-6885	26	20	various	various	ADJ
easat-6885	26	21	sectors	sector	NOUN
easat-6885	26	22	of	of	ADP
easat-6885	26	23	the	the	DET
easat-6885	26	24	economy	economy	NOUN
easat-6885	26	25	[	[	X
easat-6885	26	26	7	7	NUM
easat-6885	26	27	]	]	PUNCT
easat-6885	26	28	.	.	PUNCT
easat-6885	27	1	furthermore	furthermore	ADV
easat-6885	27	2	,	,	PUNCT
easat-6885	27	3	fintech	fintech	NOUN
easat-6885	27	4	has	have	AUX
easat-6885	27	5	become	become	VERB
easat-6885	27	6	an	an	DET
easat-6885	27	7	attractive	attractive	ADJ
easat-6885	27	8	investment	investment	NOUN
easat-6885	27	9	target	target	NOUN
easat-6885	27	10	for	for	ADP
easat-6885	27	11	global	global	ADJ
easat-6885	27	12	investors	investor	NOUN
easat-6885	27	13	,	,	PUNCT
easat-6885	27	14	thus	thus	ADV
easat-6885	27	15	reinforcing	reinforce	VERB
easat-6885	27	16	its	its	PRON
easat-6885	27	17	potential	potential	NOUN
easat-6885	27	18	to	to	PART
easat-6885	27	19	support	support	VERB
easat-6885	27	20	both	both	PRON
easat-6885	27	21	technological	technological	ADJ
easat-6885	27	22	advancement	advancement	NOUN
easat-6885	27	23	and	and	CCONJ
easat-6885	27	24	economic	economic	ADJ
easat-6885	27	25	resilience	resilience	NOUN
easat-6885	27	26	in	in	ADP
easat-6885	27	27	indonesia	indonesia	PROPN
easat-6885	27	28	.	.	PUNCT
easat-6885	28	1	given	give	VERB
easat-6885	28	2	these	these	DET
easat-6885	28	3	dynamics	dynamic	NOUN
easat-6885	28	4	,	,	PUNCT
easat-6885	28	5	this	this	DET
easat-6885	28	6	study	study	NOUN
easat-6885	28	7	explores	explore	VERB
easat-6885	28	8	the	the	DET
easat-6885	28	9	determinants	determinant	NOUN
easat-6885	28	10	of	of	ADP
easat-6885	28	11	fintech	fintech	NOUN
easat-6885	28	12	development	development	NOUN
easat-6885	28	13	,	,	PUNCT
easat-6885	28	14	particularly	particularly	ADV
easat-6885	28	15	in	in	ADP
easat-6885	28	16	the	the	DET
easat-6885	28	17	p2p	p2p	NOUN
easat-6885	28	18	lending	lending	NOUN
easat-6885	28	19	subsector	subsector	NOUN
easat-6885	28	20	,	,	PUNCT
easat-6885	28	21	and	and	CCONJ
easat-6885	28	22	their	their	PRON
easat-6885	28	23	impact	impact	NOUN
easat-6885	28	24	on	on	ADP
easat-6885	28	25	indonesia	indonesia	PROPN
easat-6885	28	26	's	's	PART
easat-6885	28	27	economic	economic	ADJ
easat-6885	28	28	growth	growth	NOUN
easat-6885	28	29	.	.	PUNCT
easat-6885	29	1	it	it	PRON
easat-6885	29	2	addresses	address	VERB
easat-6885	29	3	the	the	DET
easat-6885	29	4	extent	extent	NOUN
easat-6885	29	5	to	to	PART
easat-6885	29	6	which	which	PRON
easat-6885	29	7	financial	financial	ADJ
easat-6885	29	8	ratios	ratio	NOUN
easat-6885	29	9	and	and	CCONJ
easat-6885	29	10	gender	gender	NOUN
easat-6885	29	11	-	-	PUNCT
easat-6885	29	12	based	base	VERB
easat-6885	29	13	user	user	NOUN
easat-6885	29	14	demographics	demographics	PROPN
easat-6885	29	15	influence	influence	PROPN
easat-6885	29	16	gdp	gdp	PROPN
easat-6885	29	17	,	,	PUNCT
easat-6885	29	18	offering	offer	VERB
easat-6885	29	19	empirical	empirical	ADJ
easat-6885	29	20	insights	insight	NOUN
easat-6885	29	21	to	to	PART
easat-6885	29	22	guide	guide	VERB
easat-6885	29	23	future	future	ADJ
easat-6885	29	24	fintech	fintech	NOUN
easat-6885	29	25	policy	policy	NOUN
easat-6885	29	26	and	and	CCONJ
easat-6885	29	27	innovation	innovation	NOUN
easat-6885	29	28	.	.	PUNCT
easat-6885	30	1	2	2	X
easat-6885	30	2	.	.	X
easat-6885	30	3	literature	literature	NOUN
easat-6885	30	4	review	review	VERB
easat-6885	30	5	this	this	DET
easat-6885	30	6	study	study	NOUN
easat-6885	30	7	utilizes	utilize	VERB
easat-6885	30	8	a	a	DET
easat-6885	30	9	collection	collection	NOUN
easat-6885	30	10	of	of	ADP
easat-6885	30	11	independent	independent	ADJ
easat-6885	30	12	variables	variable	NOUN
easat-6885	30	13	that	that	PRON
easat-6885	30	14	have	have	AUX
easat-6885	30	15	been	be	AUX
easat-6885	30	16	extensively	extensively	ADV
easat-6885	30	17	applied	apply	VERB
easat-6885	30	18	in	in	ADP
easat-6885	30	19	previous	previous	ADJ
easat-6885	30	20	research	research	NOUN
easat-6885	30	21	to	to	PART
easat-6885	30	22	evaluate	evaluate	VERB
easat-6885	30	23	the	the	DET
easat-6885	30	24	financial	financial	ADJ
easat-6885	30	25	performance	performance	NOUN
easat-6885	30	26	and	and	CCONJ
easat-6885	30	27	impact	impact	NOUN
easat-6885	30	28	of	of	ADP
easat-6885	30	29	fintech	fintech	NOUN
easat-6885	30	30	and	and	CCONJ
easat-6885	30	31	banking	banking	NOUN
easat-6885	30	32	organizations	organization	NOUN
easat-6885	30	33	.	.	PUNCT
easat-6885	31	1	the	the	DET
easat-6885	31	2	variables	variable	NOUN
easat-6885	31	3	encompass	encompass	VERB
easat-6885	31	4	net	net	ADJ
easat-6885	31	5	interest	interest	NOUN
easat-6885	31	6	margin	margin	NOUN
easat-6885	31	7	,	,	PUNCT
easat-6885	31	8	yield	yield	NOUN
easat-6885	31	9	on	on	ADP
easat-6885	31	10	earning	earn	VERB
easat-6885	31	11	assets	asset	NOUN
easat-6885	31	12	,	,	PUNCT
easat-6885	31	13	return	return	VERB
easat-6885	31	14	on	on	ADP
easat-6885	31	15	assets	asset	NOUN
easat-6885	31	16	,	,	PUNCT
easat-6885	31	17	return	return	VERB
easat-6885	31	18	on	on	ADP
easat-6885	31	19	equity	equity	NOUN
easat-6885	31	20	,	,	PUNCT
easat-6885	31	21	capital	capital	NOUN
easat-6885	31	22	ratio	ratio	NOUN
easat-6885	31	23	,	,	PUNCT
easat-6885	31	24	company	company	NOUN
easat-6885	31	25	scale	scale	NOUN
easat-6885	31	26	,	,	PUNCT
easat-6885	31	27	cost	cost	VERB
easat-6885	31	28	to	to	ADP
easat-6885	31	29	income	income	NOUN
easat-6885	31	30	ratio	ratio	NOUN
easat-6885	31	31	,	,	PUNCT
easat-6885	31	32	and	and	CCONJ
easat-6885	31	33	interest	interest	NOUN
easat-6885	31	34	income	income	NOUN
easat-6885	31	35	share	share	NOUN
easat-6885	31	36	,	,	PUNCT
easat-6885	31	37	as	as	SCONJ
easat-6885	31	38	previously	previously	ADV
easat-6885	31	39	employed	employ	VERB
easat-6885	31	40	by	by	ADP
easat-6885	31	41	dasilas	dasila	NOUN
easat-6885	31	42	and	and	CCONJ
easat-6885	31	43	karanović	karanović	NOUN
easat-6885	32	1	[	[	X
easat-6885	32	2	8	8	NUM
easat-6885	32	3	]	]	PUNCT
easat-6885	32	4	;	;	PUNCT
easat-6885	32	5	dietrich	dietrich	PROPN
easat-6885	32	6	and	and	CCONJ
easat-6885	32	7	wanzenried	wanzenrie	VERB
easat-6885	32	8	[	[	PUNCT
easat-6885	32	9	9	9	NUM
easat-6885	32	10	]	]	PUNCT
easat-6885	32	11	;	;	PUNCT
easat-6885	32	12	sya’ban	sya’ban	PROPN
easat-6885	32	13	and	and	CCONJ
easat-6885	32	14	salim	salim	NOUN
easat-6885	32	15	[	[	X
easat-6885	32	16	10	10	NUM
easat-6885	32	17	]	]	X
easat-6885	32	18	;	;	PUNCT
easat-6885	32	19	phan	phan	PROPN
easat-6885	32	20	,	,	PUNCT
easat-6885	32	21	et	et	PROPN
easat-6885	32	22	al	al	PROPN
easat-6885	32	23	.	.	PUNCT
easat-6885	33	1	[	[	X
easat-6885	33	2	11	11	NUM
easat-6885	33	3	]	]	PUNCT
easat-6885	33	4	and	and	CCONJ
easat-6885	33	5	shaban	shaban	PROPN
easat-6885	33	6	and	and	CCONJ
easat-6885	33	7	james	james	PROPN
easat-6885	34	1	[	[	X
easat-6885	34	2	12	12	NUM
easat-6885	34	3	]	]	PUNCT
easat-6885	34	4	.	.	PUNCT
easat-6885	35	1	these	these	DET
easat-6885	35	2	criteria	criterion	NOUN
easat-6885	35	3	are	be	AUX
easat-6885	35	4	conventional	conventional	ADJ
easat-6885	35	5	in	in	ADP
easat-6885	35	6	assessing	assess	VERB
easat-6885	35	7	the	the	DET
easat-6885	35	8	performance	performance	NOUN
easat-6885	35	9	of	of	ADP
easat-6885	35	10	financial	financial	ADJ
easat-6885	35	11	institutions	institution	NOUN
easat-6885	35	12	and	and	CCONJ
easat-6885	35	13	have	have	AUX
easat-6885	35	14	been	be	AUX
easat-6885	35	15	incorporated	incorporate	VERB
easat-6885	35	16	into	into	ADP
easat-6885	35	17	fintech	fintech	NOUN
easat-6885	35	18	research	research	NOUN
easat-6885	35	19	,	,	PUNCT
easat-6885	35	20	as	as	SCONJ
easat-6885	35	21	shown	show	VERB
easat-6885	35	22	by	by	ADP
easat-6885	35	23	the	the	DET
easat-6885	35	24	study	study	NOUN
easat-6885	35	25	conducted	conduct	VERB
easat-6885	35	26	by	by	ADP
easat-6885	35	27	corbet	corbet	PROPN
easat-6885	35	28	,	,	PUNCT
easat-6885	35	29	et	et	PROPN
easat-6885	35	30	al	al	PROPN
easat-6885	35	31	.	.	PUNCT
easat-6885	36	1	[	[	X
easat-6885	36	2	13	13	NUM
easat-6885	36	3	]	]	PUNCT
easat-6885	36	4	which	which	PRON
easat-6885	36	5	investigates	investigate	VERB
easat-6885	36	6	the	the	DET
easat-6885	36	7	influence	influence	NOUN
easat-6885	36	8	of	of	ADP
easat-6885	36	9	fintech	fintech	NOUN
easat-6885	36	10	on	on	ADP
easat-6885	36	11	bank	bank	NOUN
easat-6885	36	12	performance	performance	NOUN
easat-6885	36	13	in	in	ADP
easat-6885	36	14	china	china	PROPN
easat-6885	36	15	.	.	PUNCT
easat-6885	37	1	net	net	ADJ
easat-6885	37	2	interest	interest	NOUN
easat-6885	37	3	margin	margin	NOUN
easat-6885	37	4	(	(	PUNCT
easat-6885	37	5	nim	nim	NOUN
easat-6885	37	6	)	)	PUNCT
easat-6885	37	7	and	and	CCONJ
easat-6885	37	8	yield	yield	VERB
easat-6885	37	9	on	on	ADP
easat-6885	37	10	earning	earn	VERB
easat-6885	37	11	assets	asset	NOUN
easat-6885	37	12	(	(	PUNCT
easat-6885	37	13	yea	yea	NOUN
easat-6885	37	14	)	)	PUNCT
easat-6885	37	15	are	be	AUX
easat-6885	37	16	crucial	crucial	ADJ
easat-6885	37	17	indicators	indicator	NOUN
easat-6885	37	18	of	of	ADP
easat-6885	37	19	a	a	DET
easat-6885	37	20	firm	firm	NOUN
easat-6885	37	21	’s	’s	PART
easat-6885	37	22	ability	ability	NOUN
easat-6885	37	23	to	to	PART
easat-6885	37	24	generate	generate	VERB
easat-6885	37	25	interest	interest	NOUN
easat-6885	37	26	income	income	NOUN
easat-6885	37	27	from	from	ADP
easat-6885	37	28	productive	productive	ADJ
easat-6885	37	29	assets	asset	NOUN
easat-6885	37	30	[	[	X
easat-6885	37	31	8	8	NUM
easat-6885	37	32	]	]	PUNCT
easat-6885	37	33	.	.	PUNCT
easat-6885	38	1	applied	apply	VERB
easat-6885	38	2	these	these	DET
easat-6885	38	3	variables	variable	NOUN
easat-6885	38	4	to	to	PART
easat-6885	38	5	analyze	analyze	VERB
easat-6885	38	6	the	the	DET
easat-6885	38	7	impact	impact	NOUN
easat-6885	38	8	of	of	ADP
easat-6885	38	9	fintech	fintech	NOUN
easat-6885	38	10	firms	firm	NOUN
easat-6885	38	11	on	on	ADP
easat-6885	38	12	bank	bank	NOUN
easat-6885	38	13	performance	performance	NOUN
easat-6885	38	14	in	in	ADP
easat-6885	38	15	the	the	DET
easat-6885	38	16	united	united	PROPN
easat-6885	38	17	states	states	PROPN
easat-6885	38	18	,	,	PUNCT
easat-6885	38	19	concluding	conclude	VERB
easat-6885	38	20	that	that	SCONJ
easat-6885	38	21	fintech	fintech	NOUN
easat-6885	38	22	positively	positively	ADV
easat-6885	38	23	influences	influence	VERB
easat-6885	38	24	financial	financial	ADJ
easat-6885	38	25	efficiency	efficiency	NOUN
easat-6885	38	26	and	and	CCONJ
easat-6885	38	27	profitability	profitability	NOUN
easat-6885	38	28	.	.	PUNCT
easat-6885	39	1	return	return	VERB
easat-6885	39	2	on	on	ADP
easat-6885	39	3	assets	asset	NOUN
easat-6885	39	4	and	and	CCONJ
easat-6885	39	5	return	return	VERB
easat-6885	39	6	on	on	ADP
easat-6885	39	7	equity	equity	NOUN
easat-6885	39	8	serve	serve	NOUN
easat-6885	39	9	as	as	ADP
easat-6885	39	10	measures	measure	NOUN
easat-6885	39	11	of	of	ADP
easat-6885	39	12	profitability	profitability	NOUN
easat-6885	39	13	and	and	CCONJ
easat-6885	39	14	shareholder	shareholder	NOUN
easat-6885	39	15	return	return	NOUN
easat-6885	39	16	.	.	PUNCT
easat-6885	40	1	according	accord	VERB
easat-6885	40	2	to	to	ADP
easat-6885	40	3	phan	phan	PROPN
easat-6885	40	4	,	,	PUNCT
easat-6885	40	5	et	et	PROPN
easat-6885	40	6	al	al	PROPN
easat-6885	40	7	.	.	PUNCT
easat-6885	41	1	[	[	X
easat-6885	41	2	11	11	NUM
easat-6885	41	3	]	]	PUNCT
easat-6885	41	4	these	these	DET
easat-6885	41	5	variables	variable	NOUN
easat-6885	41	6	reflect	reflect	VERB
easat-6885	41	7	the	the	DET
easat-6885	41	8	financial	financial	ADJ
easat-6885	41	9	health	health	NOUN
easat-6885	41	10	of	of	ADP
easat-6885	41	11	firms	firm	NOUN
easat-6885	41	12	and	and	CCONJ
easat-6885	41	13	were	be	AUX
easat-6885	41	14	shown	show	VERB
easat-6885	41	15	to	to	PART
easat-6885	41	16	be	be	AUX
easat-6885	41	17	negatively	negatively	ADV
easat-6885	41	18	impacted	impact	VERB
easat-6885	41	19	by	by	ADP
easat-6885	41	20	the	the	DET
easat-6885	41	21	growth	growth	NOUN
easat-6885	41	22	of	of	ADP
easat-6885	41	23	fintech	fintech	NOUN
easat-6885	41	24	in	in	ADP
easat-6885	41	25	indonesia	indonesia	PROPN
easat-6885	41	26	,	,	PUNCT
easat-6885	41	27	suggesting	suggest	VERB
easat-6885	41	28	increased	increase	VERB
easat-6885	41	29	competition	competition	NOUN
easat-6885	41	30	with	with	ADP
easat-6885	41	31	traditional	traditional	ADJ
easat-6885	41	32	banks	bank	NOUN
easat-6885	41	33	.	.	PUNCT
easat-6885	42	1	capital	capital	NOUN
easat-6885	42	2	ratio	ratio	NOUN
easat-6885	42	3	and	and	CCONJ
easat-6885	42	4	company	company	NOUN
easat-6885	42	5	scale	scale	NOUN
easat-6885	42	6	are	be	AUX
easat-6885	42	7	also	also	ADV
easat-6885	42	8	crucial	crucial	ADJ
easat-6885	42	9	indicators	indicator	NOUN
easat-6885	42	10	of	of	ADP
easat-6885	42	11	financial	financial	ADJ
easat-6885	42	12	stability	stability	NOUN
easat-6885	42	13	and	and	CCONJ
easat-6885	42	14	operational	operational	ADJ
easat-6885	42	15	capability	capability	NOUN
easat-6885	42	16	.	.	PUNCT
easat-6885	43	1	cap	cap	NOUN
easat-6885	43	2	measures	measure	VERB
easat-6885	43	3	the	the	DET
easat-6885	43	4	firm	firm	NOUN
easat-6885	43	5	’s	’s	PART
easat-6885	43	6	capital	capital	NOUN
easat-6885	43	7	adequacy	adequacy	NOUN
easat-6885	43	8	relative	relative	ADJ
easat-6885	43	9	to	to	ADP
easat-6885	43	10	total	total	ADJ
easat-6885	43	11	assets	asset	NOUN
easat-6885	43	12	,	,	PUNCT
easat-6885	43	13	where	where	SCONJ
easat-6885	43	14	a	a	DET
easat-6885	43	15	higher	high	ADJ
easat-6885	43	16	ratio	ratio	NOUN
easat-6885	43	17	generally	generally	ADV
easat-6885	43	18	indicates	indicate	VERB
easat-6885	43	19	stronger	strong	ADJ
easat-6885	43	20	financial	financial	ADJ
easat-6885	43	21	resilience	resilience	NOUN
easat-6885	43	22	.	.	PUNCT
easat-6885	44	1	size	size	NOUN
easat-6885	44	2	,	,	PUNCT
easat-6885	44	3	typically	typically	ADV
easat-6885	44	4	measured	measure	VERB
easat-6885	44	5	by	by	ADP
easat-6885	44	6	total	total	ADJ
easat-6885	44	7	assets	asset	NOUN
easat-6885	44	8	,	,	PUNCT
easat-6885	44	9	is	be	AUX
easat-6885	44	10	associated	associate	VERB
easat-6885	44	11	with	with	ADP
easat-6885	44	12	economies	economy	NOUN
easat-6885	44	13	of	of	ADP
easat-6885	44	14	scale	scale	NOUN
easat-6885	44	15	and	and	CCONJ
easat-6885	44	16	operational	operational	ADJ
easat-6885	44	17	efficiency	efficiency	NOUN
easat-6885	44	18	[	[	X
easat-6885	44	19	14	14	NUM
easat-6885	44	20	]	]	PUNCT
easat-6885	44	21	.	.	PUNCT
easat-6885	45	1	interest	interest	NOUN
easat-6885	45	2	income	income	NOUN
easat-6885	45	3	share	share	NOUN
easat-6885	45	4	(	(	PUNCT
easat-6885	45	5	iis	iis	PROPN
easat-6885	45	6	)	)	PUNCT
easat-6885	45	7	and	and	CCONJ
easat-6885	45	8	cost	cost	NOUN
easat-6885	45	9	to	to	PART
easat-6885	45	10	income	income	NOUN
easat-6885	45	11	ratio	ratio	NOUN
easat-6885	45	12	(	(	PUNCT
easat-6885	45	13	cti	cti	PROPN
easat-6885	45	14	)	)	PUNCT
easat-6885	45	15	are	be	AUX
easat-6885	45	16	included	include	VERB
easat-6885	45	17	as	as	ADP
easat-6885	45	18	proxies	proxy	NOUN
easat-6885	45	19	for	for	ADP
easat-6885	45	20	income	income	NOUN
easat-6885	45	21	structure	structure	NOUN
easat-6885	45	22	and	and	CCONJ
easat-6885	45	23	cost	cost	NOUN
easat-6885	45	24	efficiency	efficiency	NOUN
easat-6885	45	25	.	.	PUNCT
easat-6885	46	1	high	high	PROPN
easat-6885	46	2	cti	cti	PROPN
easat-6885	46	3	and	and	CCONJ
easat-6885	46	4	iis	iis	PROPN
easat-6885	46	5	values	value	NOUN
easat-6885	46	6	may	may	AUX
easat-6885	46	7	indicate	indicate	VERB
easat-6885	46	8	operational	operational	ADJ
easat-6885	46	9	inefficiencies	inefficiency	NOUN
easat-6885	46	10	or	or	CCONJ
easat-6885	46	11	overreliance	overreliance	NOUN
easat-6885	46	12	on	on	ADP
easat-6885	46	13	a	a	DET
easat-6885	46	14	single	single	ADJ
easat-6885	46	15	revenue	revenue	NOUN
easat-6885	46	16	stream	stream	NOUN
easat-6885	46	17	.	.	PUNCT
easat-6885	47	1	according	accord	VERB
easat-6885	47	2	to	to	ADP
easat-6885	47	3	dietrich	dietrich	PROPN
easat-6885	47	4	and	and	CCONJ
easat-6885	47	5	wanzenried	wanzenrie	VERB
easat-6885	47	6	[	[	PUNCT
easat-6885	47	7	9	9	NUM
easat-6885	47	8	]	]	X
easat-6885	47	9	elevated	elevated	ADJ
easat-6885	47	10	cti	cti	PROPN
easat-6885	47	11	and	and	CCONJ
easat-6885	47	12	iis	iis	PROPN
easat-6885	47	13	ratios	ratio	NOUN
easat-6885	47	14	can	can	AUX
easat-6885	47	15	negatively	negatively	ADV
easat-6885	47	16	impact	impact	VERB
easat-6885	47	17	organizational	organizational	ADJ
easat-6885	47	18	performance	performance	NOUN
easat-6885	47	19	by	by	ADP
easat-6885	47	20	reducing	reduce	VERB
easat-6885	47	21	net	net	ADJ
easat-6885	47	22	profitability	profitability	NOUN
easat-6885	47	23	.	.	PUNCT
easat-6885	48	1	this	this	DET
easat-6885	48	2	study	study	NOUN
easat-6885	48	3	also	also	ADV
easat-6885	48	4	incorporates	incorporate	VERB
easat-6885	48	5	gender	gender	NOUN
easat-6885	48	6	as	as	ADP
easat-6885	48	7	a	a	DET
easat-6885	48	8	variable	variable	NOUN
easat-6885	48	9	,	,	PUNCT
easat-6885	48	10	distinguishing	distinguish	VERB
easat-6885	48	11	between	between	ADP
easat-6885	48	12	male	male	ADJ
easat-6885	48	13	and	and	CCONJ
easat-6885	48	14	female	female	ADJ
easat-6885	48	15	users	user	NOUN
easat-6885	48	16	of	of	ADP
easat-6885	48	17	p2p	p2p	NOUN
easat-6885	48	18	lending	lending	NOUN
easat-6885	48	19	platforms	platform	NOUN
easat-6885	48	20	.	.	PUNCT
easat-6885	49	1	the	the	DET
easat-6885	49	2	purpose	purpose	NOUN
easat-6885	49	3	is	be	AUX
easat-6885	49	4	to	to	PART
easat-6885	49	5	assess	assess	VERB
easat-6885	49	6	borrowing	borrowing	NOUN
easat-6885	49	7	behavior	behavior	NOUN
easat-6885	49	8	and	and	CCONJ
easat-6885	49	9	repayment	repayment	NOUN
easat-6885	49	10	patterns	pattern	NOUN
easat-6885	49	11	across	across	ADP
easat-6885	49	12	genders	gender	NOUN
easat-6885	49	13	.	.	PUNCT
easat-6885	50	1	research	research	NOUN
easat-6885	50	2	in	in	ADP
easat-6885	50	3	china	china	PROPN
easat-6885	50	4	conducted	conduct	VERB
easat-6885	50	5	by	by	ADP
easat-6885	50	6	chen	chen	PROPN
easat-6885	50	7	,	,	PUNCT
easat-6885	50	8	et	et	PROPN
easat-6885	50	9	al	al	PROPN
easat-6885	50	10	.	.	PUNCT
easat-6885	51	1	[	[	X
easat-6885	51	2	15	15	NUM
easat-6885	51	3	]	]	PUNCT
easat-6885	51	4	found	find	VERB
easat-6885	51	5	that	that	SCONJ
easat-6885	51	6	male	male	ADJ
easat-6885	51	7	users	user	NOUN
easat-6885	51	8	apply	apply	VERB
easat-6885	51	9	for	for	ADP
easat-6885	51	10	loans	loan	NOUN
easat-6885	51	11	more	more	ADV
easat-6885	51	12	frequently	frequently	ADV
easat-6885	51	13	,	,	PUNCT
easat-6885	51	14	but	but	CCONJ
easat-6885	51	15	female	female	ADJ
easat-6885	51	16	users	user	NOUN
easat-6885	51	17	tend	tend	VERB
easat-6885	51	18	to	to	PART
easat-6885	51	19	exhibit	exhibit	VERB
easat-6885	51	20	higher	high	ADJ
easat-6885	51	21	repayment	repayment	NOUN
easat-6885	51	22	accuracy	accuracy	NOUN
easat-6885	51	23	,	,	PUNCT
easat-6885	51	24	suggesting	suggest	VERB
easat-6885	51	25	a	a	DET
easat-6885	51	26	gender	gender	NOUN
easat-6885	51	27	-	-	PUNCT
easat-6885	51	28	based	base	VERB
easat-6885	51	29	differential	differential	NOUN
easat-6885	51	30	in	in	ADP
easat-6885	51	31	creditworthiness	creditworthiness	NOUN
easat-6885	51	32	and	and	CCONJ
easat-6885	51	33	lending	lend	VERB
easat-6885	51	34	outcomes	outcome	NOUN
easat-6885	51	35	.	.	PUNCT
easat-6885	52	1	the	the	DET
easat-6885	52	2	dependent	dependent	ADJ
easat-6885	52	3	variable	variable	NOUN
easat-6885	52	4	in	in	ADP
easat-6885	52	5	this	this	DET
easat-6885	52	6	study	study	NOUN
easat-6885	52	7	is	be	AUX
easat-6885	52	8	economic	economic	ADJ
easat-6885	52	9	growth	growth	NOUN
easat-6885	52	10	,	,	PUNCT
easat-6885	52	11	proxied	proxie	VERB
easat-6885	52	12	by	by	ADP
easat-6885	52	13	indonesia	indonesia	PROPN
easat-6885	52	14	’s	’s	PART
easat-6885	52	15	gross	gross	ADJ
easat-6885	52	16	domestic	domestic	ADJ
easat-6885	52	17	product	product	NOUN
easat-6885	52	18	(	(	PUNCT
easat-6885	52	19	gdp	gdp	NOUN
easat-6885	52	20	)	)	PUNCT
easat-6885	52	21	.	.	PUNCT
easat-6885	53	1	gdp	gdp	NOUN
easat-6885	53	2	possesses	possesse	NOUN
easat-6885	53	3	been	be	AUX
easat-6885	53	4	widely	widely	ADV
easat-6885	53	5	used	use	VERB
easat-6885	53	6	to	to	PART
easat-6885	53	7	measure	measure	VERB
easat-6885	53	8	macroeconomic	macroeconomic	ADJ
easat-6885	53	9	performance	performance	NOUN
easat-6885	53	10	and	and	CCONJ
easat-6885	53	11	growth	growth	NOUN
easat-6885	53	12	trajectories	trajectory	NOUN
easat-6885	53	13	.	.	PUNCT
easat-6885	54	1	as	as	SCONJ
easat-6885	54	2	noted	note	VERB
easat-6885	54	3	by	by	ADP
easat-6885	54	4	vasylieva	vasylieva	PROPN
easat-6885	54	5	,	,	PUNCT
easat-6885	54	6	et	et	PROPN
easat-6885	54	7	al	al	PROPN
easat-6885	54	8	.	.	PUNCT
easat-6885	55	1	[	[	X
easat-6885	55	2	16	16	NUM
easat-6885	55	3	]	]	PUNCT
easat-6885	55	4	the	the	DET
easat-6885	55	5	expansion	expansion	NOUN
easat-6885	55	6	of	of	ADP
easat-6885	55	7	the	the	DET
easat-6885	55	8	technology	technology	NOUN
easat-6885	55	9	sector	sector	NOUN
easat-6885	55	10	,	,	PUNCT
easat-6885	55	11	including	include	VERB
easat-6885	55	12	fintech	fintech	NOUN
easat-6885	55	13	,	,	PUNCT
easat-6885	55	14	can	can	AUX
easat-6885	55	15	significantly	significantly	ADV
easat-6885	55	16	enhance	enhance	VERB
easat-6885	55	17	gdp	gdp	NOUN
easat-6885	55	18	through	through	ADP
easat-6885	55	19	improved	improved	ADJ
easat-6885	55	20	efficiency	efficiency	NOUN
easat-6885	55	21	and	and	CCONJ
easat-6885	55	22	productivity	productivity	NOUN
easat-6885	55	23	.	.	PUNCT
easat-6885	56	1	supporting	support	VERB
easat-6885	56	2	this	this	PRON
easat-6885	56	3	,	,	PUNCT
easat-6885	56	4	kanga	kanga	PROPN
easat-6885	56	5	,	,	PUNCT
easat-6885	56	6	et	et	PROPN
easat-6885	56	7	al	al	PROPN
easat-6885	56	8	.	.	PUNCT
easat-6885	57	1	[	[	X
easat-6885	57	2	17	17	NUM
easat-6885	57	3	]	]	PUNCT
easat-6885	57	4	analyzed	analyze	VERB
easat-6885	57	5	data	datum	NOUN
easat-6885	57	6	from	from	ADP
easat-6885	57	7	137	137	NUM
easat-6885	57	8	countries	country	NOUN
easat-6885	57	9	and	and	CCONJ
easat-6885	57	10	found	find	VERB
easat-6885	57	11	that	that	SCONJ
easat-6885	57	12	the	the	DET
easat-6885	57	13	diffusion	diffusion	NOUN
easat-6885	57	14	of	of	ADP
easat-6885	57	15	financial	financial	ADJ
easat-6885	57	16	technology	technology	NOUN
easat-6885	57	17	had	have	VERB
easat-6885	57	18	a	a	DET
easat-6885	57	19	positive	positive	ADJ
easat-6885	57	20	impact	impact	NOUN
easat-6885	57	21	on	on	ADP
easat-6885	57	22	gdp	gdp	NOUN
easat-6885	57	23	per	per	ADP
easat-6885	57	24	capita	capita	NOUN
easat-6885	57	25	.	.	PUNCT
easat-6885	58	1	similarly	similarly	ADV
easat-6885	58	2	,	,	PUNCT
easat-6885	58	3	liu	liu	PROPN
easat-6885	58	4	and	and	CCONJ
easat-6885	58	5	chu	chu	PROPN
easat-6885	59	1	[	[	X
easat-6885	59	2	18]demonstrated	18]demonstrated	NUM
easat-6885	59	3	that	that	SCONJ
easat-6885	59	4	advancements	advancement	NOUN
easat-6885	59	5	in	in	ADP
easat-6885	59	6	fintech	fintech	NOUN
easat-6885	59	7	helped	helped	AUX
easat-6885	59	8	mitigate	mitigate	VERB
easat-6885	59	9	the	the	DET
easat-6885	59	10	negative	negative	ADJ
easat-6885	59	11	economic	economic	ADJ
easat-6885	59	12	effects	effect	NOUN
easat-6885	59	13	of	of	ADP
easat-6885	59	14	the	the	DET
easat-6885	59	15	covid-19	covid-19	PROPN
easat-6885	59	16	pandemic	pandemic	NOUN
easat-6885	59	17	.	.	PUNCT
easat-6885	60	1	fintech	fintech	NOUN
easat-6885	60	2	lending	lending	NOUN
easat-6885	60	3	platforms	platform	NOUN
easat-6885	60	4	offer	offer	VERB
easat-6885	60	5	innovative	innovative	ADJ
easat-6885	60	6	and	and	CCONJ
easat-6885	60	7	inclusive	inclusive	ADJ
easat-6885	60	8	financial	financial	ADJ
easat-6885	60	9	services	service	NOUN
easat-6885	60	10	that	that	PRON
easat-6885	60	11	have	have	VERB
easat-6885	60	12	the	the	DET
easat-6885	60	13	potential	potential	NOUN
easat-6885	60	14	to	to	PART
easat-6885	60	15	reshape	reshape	VERB
easat-6885	60	16	traditional	traditional	ADJ
easat-6885	60	17	credit	credit	NOUN
easat-6885	60	18	models	model	NOUN
easat-6885	60	19	and	and	CCONJ
easat-6885	60	20	drive	drive	VERB
easat-6885	60	21	economic	economic	ADJ
easat-6885	60	22	expansion	expansion	NOUN
easat-6885	60	23	[	[	X
easat-6885	60	24	19	19	NUM
easat-6885	60	25	,	,	PUNCT
easat-6885	60	26	20	20	NUM
easat-6885	60	27	]	]	PUNCT
easat-6885	60	28	.	.	PUNCT
easat-6885	61	1	through	through	ADP
easat-6885	61	2	digital	digital	ADJ
easat-6885	61	3	426	426	NUM
easat-6885	61	4	edelweiss	edelweiss	PROPN
easat-6885	61	5	applied	apply	VERB
easat-6885	61	6	science	science	NOUN
easat-6885	61	7	and	and	CCONJ
easat-6885	61	8	technology	technology	NOUN
easat-6885	61	9	issn	issn	PROPN
easat-6885	61	10	:	:	PUNCT
easat-6885	61	11	2576	2576	NUM
easat-6885	61	12	-	-	SYM
easat-6885	61	13	8484	8484	NUM
easat-6885	61	14	vol	vol	NOUN
easat-6885	61	15	.	.	PROPN
easat-6885	61	16	9	9	NUM
easat-6885	61	17	,	,	PUNCT
easat-6885	61	18	no	no	INTJ
easat-6885	61	19	.	.	NOUN
easat-6885	61	20	5	5	NUM
easat-6885	61	21	:	:	PUNCT
easat-6885	61	22	424	424	NUM
easat-6885	61	23	-	-	SYM
easat-6885	61	24	435	435	NUM
easat-6885	61	25	,	,	PUNCT
easat-6885	61	26	2025	2025	NUM
easat-6885	61	27	doi	doi	NOUN
easat-6885	61	28	:	:	PUNCT
easat-6885	61	29	10.55214/25768484.v9i5.6885	10.55214/25768484.v9i5.6885	NUM
easat-6885	61	30	©	©	NOUN
easat-6885	61	31	2025	2025	NUM
easat-6885	61	32	by	by	ADP
easat-6885	61	33	the	the	DET
easat-6885	61	34	authors	author	NOUN
easat-6885	61	35	;	;	PUNCT
easat-6885	61	36	licensee	licensee	PROPN
easat-6885	61	37	learning	learn	VERB
easat-6885	61	38	gate	gate	NOUN
easat-6885	61	39	transformation	transformation	NOUN
easat-6885	61	40	and	and	CCONJ
easat-6885	61	41	greater	great	ADJ
easat-6885	61	42	accessibility	accessibility	NOUN
easat-6885	61	43	,	,	PUNCT
easat-6885	61	44	fintech	fintech	NOUN
easat-6885	61	45	enables	enable	VERB
easat-6885	61	46	financial	financial	ADJ
easat-6885	61	47	inclusion	inclusion	NOUN
easat-6885	61	48	and	and	CCONJ
easat-6885	61	49	supports	support	VERB
easat-6885	61	50	the	the	DET
easat-6885	61	51	growth	growth	NOUN
easat-6885	61	52	of	of	ADP
easat-6885	61	53	entrepreneurial	entrepreneurial	ADJ
easat-6885	61	54	activities	activity	NOUN
easat-6885	61	55	.	.	PUNCT
easat-6885	62	1	however	however	ADV
easat-6885	62	2	,	,	PUNCT
easat-6885	62	3	not	not	PART
easat-6885	62	4	all	all	DET
easat-6885	62	5	studies	study	NOUN
easat-6885	62	6	are	be	AUX
easat-6885	62	7	unanimous	unanimous	ADJ
easat-6885	62	8	in	in	ADP
easat-6885	62	9	asserting	assert	VERB
easat-6885	62	10	the	the	DET
easat-6885	62	11	overwhelmingly	overwhelmingly	ADV
easat-6885	62	12	positive	positive	ADJ
easat-6885	62	13	impact	impact	NOUN
easat-6885	62	14	of	of	ADP
easat-6885	62	15	fintech	fintech	NOUN
easat-6885	62	16	on	on	ADP
easat-6885	62	17	economic	economic	ADJ
easat-6885	62	18	growth	growth	NOUN
easat-6885	62	19	.	.	PUNCT
easat-6885	63	1	for	for	ADP
easat-6885	63	2	instance	instance	NOUN
easat-6885	63	3	,	,	PUNCT
easat-6885	63	4	junarsin	junarsin	PROPN
easat-6885	63	5	,	,	PUNCT
easat-6885	63	6	et	et	PROPN
easat-6885	63	7	al	al	PROPN
easat-6885	63	8	.	.	PUNCT
easat-6885	64	1	[	[	X
easat-6885	64	2	21	21	NUM
easat-6885	64	3	]	]	PUNCT
easat-6885	64	4	argues	argue	VERB
easat-6885	64	5	that	that	SCONJ
easat-6885	64	6	although	although	SCONJ
easat-6885	64	7	fintech	fintech	NOUN
easat-6885	64	8	demonstrates	demonstrate	VERB
easat-6885	64	9	great	great	ADJ
easat-6885	64	10	promise	promise	NOUN
easat-6885	64	11	,	,	PUNCT
easat-6885	64	12	the	the	DET
easat-6885	64	13	actual	actual	ADJ
easat-6885	64	14	contribution	contribution	NOUN
easat-6885	64	15	of	of	ADP
easat-6885	64	16	p2p	p2p	NOUN
easat-6885	64	17	lending	lend	VERB
easat-6885	64	18	to	to	ADP
easat-6885	64	19	national	national	PROPN
easat-6885	64	20	gdp	gdp	NOUN
easat-6885	64	21	remains	remain	VERB
easat-6885	64	22	limited	limited	ADJ
easat-6885	64	23	,	,	PUNCT
easat-6885	64	24	indicating	indicate	VERB
easat-6885	64	25	that	that	SCONJ
easat-6885	64	26	the	the	DET
easat-6885	64	27	sector	sector	NOUN
easat-6885	64	28	must	must	AUX
easat-6885	64	29	continue	continue	VERB
easat-6885	64	30	to	to	PART
easat-6885	64	31	evolve	evolve	VERB
easat-6885	64	32	to	to	PART
easat-6885	64	33	realize	realize	VERB
easat-6885	64	34	its	its	PRON
easat-6885	64	35	full	full	ADJ
easat-6885	64	36	economic	economic	ADJ
easat-6885	64	37	potential	potential	NOUN
easat-6885	64	38	.	.	PUNCT
easat-6885	65	1	building	build	VERB
easat-6885	65	2	on	on	ADP
easat-6885	65	3	this	this	DET
easat-6885	65	4	body	body	NOUN
easat-6885	65	5	of	of	ADP
easat-6885	65	6	literature	literature	NOUN
easat-6885	65	7	,	,	PUNCT
easat-6885	65	8	the	the	DET
easat-6885	65	9	present	present	ADJ
easat-6885	65	10	study	study	NOUN
easat-6885	65	11	formulates	formulate	VERB
easat-6885	65	12	a	a	DET
easat-6885	65	13	series	series	NOUN
easat-6885	65	14	of	of	ADP
easat-6885	65	15	hypotheses	hypothesis	NOUN
easat-6885	65	16	to	to	PART
easat-6885	65	17	assess	assess	VERB
easat-6885	65	18	the	the	DET
easat-6885	65	19	individual	individual	ADJ
easat-6885	65	20	and	and	CCONJ
easat-6885	65	21	collective	collective	ADJ
easat-6885	65	22	effects	effect	NOUN
easat-6885	65	23	of	of	ADP
easat-6885	65	24	financial	financial	ADJ
easat-6885	65	25	ratios	ratio	NOUN
easat-6885	65	26	and	and	CCONJ
easat-6885	65	27	user	user	NOUN
easat-6885	65	28	gender	gender	NOUN
easat-6885	65	29	on	on	ADP
easat-6885	65	30	indonesia	indonesia	PROPN
easat-6885	65	31	’s	’s	PART
easat-6885	65	32	economic	economic	ADJ
easat-6885	65	33	growth	growth	NOUN
easat-6885	65	34	through	through	ADP
easat-6885	65	35	the	the	DET
easat-6885	65	36	fintech	fintech	NOUN
easat-6885	65	37	p2p	p2p	NOUN
easat-6885	65	38	lending	lending	NOUN
easat-6885	65	39	channel	channel	NOUN
easat-6885	65	40	.	.	PUNCT
easat-6885	66	1	3	3	X
easat-6885	66	2	.	.	X
easat-6885	66	3	methodology	methodology	NOUN
easat-6885	66	4	this	this	DET
easat-6885	66	5	study	study	NOUN
easat-6885	66	6	aims	aim	VERB
easat-6885	66	7	to	to	PART
easat-6885	66	8	examine	examine	VERB
easat-6885	66	9	the	the	DET
easat-6885	66	10	impact	impact	NOUN
easat-6885	66	11	of	of	ADP
easat-6885	66	12	peer	peer	NOUN
easat-6885	66	13	-	-	PUNCT
easat-6885	66	14	to	to	ADP
easat-6885	66	15	-	-	PUNCT
easat-6885	66	16	peer	peer	NOUN
easat-6885	66	17	(	(	PUNCT
easat-6885	66	18	p2p	p2p	NOUN
easat-6885	66	19	)	)	PUNCT
easat-6885	66	20	lending	lending	NOUN
easat-6885	66	21	fintech	fintech	NOUN
easat-6885	66	22	development	development	NOUN
easat-6885	66	23	on	on	ADP
easat-6885	66	24	indonesia	indonesia	PROPN
easat-6885	66	25	’s	’s	PART
easat-6885	66	26	economic	economic	ADJ
easat-6885	66	27	growth	growth	NOUN
easat-6885	66	28	,	,	PUNCT
easat-6885	66	29	measured	measure	VERB
easat-6885	66	30	by	by	ADP
easat-6885	66	31	gross	gross	ADJ
easat-6885	66	32	domestic	domestic	ADJ
easat-6885	66	33	product	product	NOUN
easat-6885	66	34	(	(	PUNCT
easat-6885	66	35	gdp	gdp	NOUN
easat-6885	66	36	)	)	PUNCT
easat-6885	66	37	.	.	PUNCT
easat-6885	67	1	the	the	DET
easat-6885	67	2	analysis	analysis	NOUN
easat-6885	67	3	covers	cover	VERB
easat-6885	67	4	the	the	DET
easat-6885	67	5	period	period	NOUN
easat-6885	67	6	from	from	ADP
easat-6885	67	7	may	may	PROPN
easat-6885	67	8	2021	2021	NUM
easat-6885	67	9	to	to	ADP
easat-6885	67	10	december	december	PROPN
easat-6885	67	11	2024	2024	NUM
easat-6885	67	12	,	,	PUNCT
easat-6885	67	13	using	use	VERB
easat-6885	67	14	secondary	secondary	ADJ
easat-6885	67	15	data	datum	NOUN
easat-6885	67	16	collected	collect	VERB
easat-6885	67	17	from	from	ADP
easat-6885	67	18	the	the	DET
easat-6885	67	19	financial	financial	ADJ
easat-6885	67	20	services	service	NOUN
easat-6885	67	21	authority	authority	NOUN
easat-6885	67	22	(	(	PUNCT
easat-6885	67	23	otoritas	otorita	NOUN
easat-6885	67	24	jasa	jasa	PROPN
easat-6885	67	25	keuangan	keuangan	PROPN
easat-6885	67	26	/	/	SYM
easat-6885	67	27	ojk	ojk	NOUN
easat-6885	67	28	)	)	PUNCT
easat-6885	67	29	and	and	CCONJ
easat-6885	67	30	the	the	DET
easat-6885	67	31	central	central	ADJ
easat-6885	67	32	statistics	statistics	PROPN
easat-6885	67	33	agency	agency	PROPN
easat-6885	67	34	(	(	PUNCT
easat-6885	67	35	bps	bps	NOUN
easat-6885	67	36	)	)	PUNCT
easat-6885	67	37	.	.	PUNCT
easat-6885	68	1	the	the	DET
easat-6885	68	2	independent	independent	ADJ
easat-6885	68	3	variables	variable	NOUN
easat-6885	68	4	include	include	VERB
easat-6885	68	5	x1	x1	PROPN
easat-6885	68	6	net	net	ADJ
easat-6885	68	7	interest	interest	NOUN
easat-6885	68	8	margin	margin	NOUN
easat-6885	68	9	(	(	PUNCT
easat-6885	68	10	nim	nim	NOUN
easat-6885	68	11	)	)	PUNCT
easat-6885	68	12	,	,	PUNCT
easat-6885	68	13	x2	x2	PROPN
easat-6885	68	14	yield	yield	NOUN
easat-6885	68	15	on	on	ADP
easat-6885	68	16	earning	earn	VERB
easat-6885	68	17	assets	asset	NOUN
easat-6885	68	18	(	(	PUNCT
easat-6885	68	19	yea	yea	ADJ
easat-6885	68	20	)	)	PUNCT
easat-6885	68	21	,	,	PUNCT
easat-6885	68	22	x3	x3	VERB
easat-6885	68	23	return	return	VERB
easat-6885	68	24	on	on	ADP
easat-6885	68	25	assets	asset	NOUN
easat-6885	68	26	(	(	PUNCT
easat-6885	68	27	roa	roa	NOUN
easat-6885	68	28	)	)	PUNCT
easat-6885	68	29	,	,	PUNCT
easat-6885	69	1	x4	x4	PROPN
easat-6885	69	2	return	return	VERB
easat-6885	69	3	on	on	ADP
easat-6885	69	4	equity	equity	NOUN
easat-6885	69	5	(	(	PUNCT
easat-6885	69	6	roe	roe	PROPN
easat-6885	69	7	)	)	PUNCT
easat-6885	69	8	,	,	PUNCT
easat-6885	69	9	x5	x5	PROPN
easat-6885	69	10	capital	capital	NOUN
easat-6885	69	11	ratio	ratio	NOUN
easat-6885	69	12	(	(	PUNCT
easat-6885	69	13	cap	cap	NOUN
easat-6885	69	14	)	)	PUNCT
easat-6885	69	15	,	,	PUNCT
easat-6885	69	16	x6	x6	PROPN
easat-6885	69	17	company	company	NOUN
easat-6885	69	18	scale	scale	NOUN
easat-6885	69	19	(	(	PUNCT
easat-6885	69	20	size	size	NOUN
easat-6885	69	21	)	)	PUNCT
easat-6885	69	22	,	,	PUNCT
easat-6885	70	1	x7	x7	NOUN
easat-6885	70	2	cost	cost	NOUN
easat-6885	70	3	to	to	PART
easat-6885	70	4	income	income	NOUN
easat-6885	70	5	ratio	ratio	NOUN
easat-6885	70	6	(	(	PUNCT
easat-6885	70	7	cti	cti	PROPN
easat-6885	70	8	)	)	PUNCT
easat-6885	70	9	,	,	PUNCT
easat-6885	70	10	x8	x8	PROPN
easat-6885	70	11	interest	interest	PROPN
easat-6885	70	12	income	income	NOUN
easat-6885	70	13	share	share	NOUN
easat-6885	70	14	(	(	PUNCT
easat-6885	70	15	iis	iis	PROPN
easat-6885	70	16	)	)	PUNCT
easat-6885	70	17	,	,	PUNCT
easat-6885	70	18	and	and	CCONJ
easat-6885	70	19	x9	x9	NOUN
easat-6885	70	20	the	the	DET
easat-6885	70	21	gender	gender	NOUN
easat-6885	70	22	of	of	ADP
easat-6885	70	23	p2p	p2p	NOUN
easat-6885	70	24	lending	lend	VERB
easat-6885	70	25	users	user	NOUN
easat-6885	70	26	(	(	PUNCT
easat-6885	70	27	male	male	ADJ
easat-6885	70	28	and	and	CCONJ
easat-6885	70	29	female	female	NOUN
easat-6885	70	30	)	)	PUNCT
easat-6885	70	31	.	.	PUNCT
easat-6885	71	1	the	the	DET
easat-6885	71	2	following	follow	VERB
easat-6885	71	3	regression	regression	NOUN
easat-6885	71	4	model	model	NOUN
easat-6885	71	5	was	be	AUX
easat-6885	71	6	employed	employ	VERB
easat-6885	71	7	to	to	PART
easat-6885	71	8	assess	assess	VERB
easat-6885	71	9	the	the	DET
easat-6885	71	10	relationship	relationship	NOUN
easat-6885	71	11	between	between	ADP
easat-6885	71	12	fintech	fintech	NOUN
easat-6885	71	13	variables	variable	NOUN
easat-6885	71	14	and	and	CCONJ
easat-6885	71	15	gdp	gdp	NOUN
easat-6885	71	16	:	:	PUNCT
easat-6885	71	17	gdpt	gdpt	PROPN
easat-6885	71	18	=	=	PUNCT
easat-6885	71	19	β0	β0	PROPN
easat-6885	71	20	+	+	CCONJ
easat-6885	71	21	β1nimt	β1nimt	PUNCT
easat-6885	71	22	+	+	CCONJ
easat-6885	71	23	β2yeat	β2yeat	ADJ
easat-6885	72	1	+	+	CCONJ
easat-6885	72	2	β3roat	β3roat	PRON
easat-6885	72	3	+	+	CCONJ
easat-6885	72	4	β4roet	β4roet	VERB
easat-6885	72	5	+	+	CCONJ
easat-6885	72	6	β5capt	β5capt	SYM
easat-6885	72	7	+	+	CCONJ
easat-6885	72	8	β6sizet	β6sizet	PROPN
easat-6885	72	9	+	+	NUM
easat-6885	72	10	β7ctit	β7ctit	ADJ
easat-6885	72	11	+	+	CCONJ
easat-6885	72	12	β8iist	β8iist	PROPN
easat-6885	72	13	+	+	CCONJ
easat-6885	72	14	β9gendert	β9gendert	PROPN
easat-6885	73	1	+	+	CCONJ
easat-6885	73	2	εt	εt	INTJ
easat-6885	73	3	where	where	SCONJ
easat-6885	73	4	:	:	PUNCT
easat-6885	73	5	•	•	NUM
easat-6885	73	6	gdpₜ	gdpₜ	NOUN
easat-6885	73	7	is	be	AUX
easat-6885	73	8	indonesia	indonesia	PROPN
easat-6885	73	9	’s	’s	PART
easat-6885	73	10	gross	gross	ADJ
easat-6885	73	11	domestic	domestic	ADJ
easat-6885	73	12	product	product	NOUN
easat-6885	73	13	in	in	ADP
easat-6885	73	14	period	period	NOUN
easat-6885	73	15	t	t	PROPN
easat-6885	73	16	,	,	PUNCT
easat-6885	73	17	•	•	NUM
easat-6885	73	18	β₀	β₀	NOUN
easat-6885	73	19	is	be	AUX
easat-6885	73	20	the	the	DET
easat-6885	73	21	intercept	intercept	NOUN
easat-6885	73	22	,	,	PUNCT
easat-6885	73	23	•	•	NOUN
easat-6885	73	24	β₁-β₉	β₁-β₉	ADJ
easat-6885	73	25	are	be	AUX
easat-6885	73	26	the	the	DET
easat-6885	73	27	coefficients	coefficient	NOUN
easat-6885	73	28	for	for	ADP
easat-6885	73	29	the	the	DET
easat-6885	73	30	explanatory	explanatory	ADJ
easat-6885	73	31	variables	variable	NOUN
easat-6885	73	32	,	,	PUNCT
easat-6885	73	33	•	•	ADP
easat-6885	73	34	genderₜ	genderₜ	PROPN
easat-6885	73	35	captures	capture	VERB
easat-6885	73	36	the	the	DET
easat-6885	73	37	gender	gender	NOUN
easat-6885	73	38	composition	composition	NOUN
easat-6885	73	39	of	of	ADP
easat-6885	73	40	fintech	fintech	NOUN
easat-6885	73	41	users	user	NOUN
easat-6885	73	42	(	(	PUNCT
easat-6885	73	43	male	male	ADJ
easat-6885	73	44	and	and	CCONJ
easat-6885	73	45	female	female	NOUN
easat-6885	73	46	)	)	PUNCT
easat-6885	73	47	,	,	PUNCT
easat-6885	73	48	and	and	CCONJ
easat-6885	73	49	•	•	NUM
easat-6885	73	50	εₜ	εₜ	NOUN
easat-6885	73	51	is	be	AUX
easat-6885	73	52	the	the	DET
easat-6885	73	53	error	error	NOUN
easat-6885	73	54	term	term	NOUN
easat-6885	73	55	.	.	PUNCT
easat-6885	74	1	to	to	PART
easat-6885	74	2	validate	validate	VERB
easat-6885	74	3	the	the	DET
easat-6885	74	4	robustness	robustness	NOUN
easat-6885	74	5	of	of	ADP
easat-6885	74	6	the	the	DET
easat-6885	74	7	model	model	NOUN
easat-6885	74	8	,	,	PUNCT
easat-6885	74	9	the	the	DET
easat-6885	74	10	study	study	NOUN
easat-6885	74	11	performed	perform	VERB
easat-6885	74	12	a	a	DET
easat-6885	74	13	series	series	NOUN
easat-6885	74	14	of	of	ADP
easat-6885	74	15	diagnostic	diagnostic	ADJ
easat-6885	74	16	tests	test	NOUN
easat-6885	74	17	,	,	PUNCT
easat-6885	74	18	including	include	VERB
easat-6885	74	19	multicollinearity	multicollinearity	NOUN
easat-6885	74	20	(	(	PUNCT
easat-6885	74	21	using	use	VERB
easat-6885	74	22	the	the	DET
easat-6885	74	23	variance	variance	NOUN
easat-6885	74	24	inflation	inflation	NOUN
easat-6885	74	25	factor	factor	NOUN
easat-6885	74	26	)	)	PUNCT
easat-6885	74	27	,	,	PUNCT
easat-6885	74	28	heteroscedasticity	heteroscedasticity	NOUN
easat-6885	74	29	(	(	PUNCT
easat-6885	74	30	breusch	breusch	ADJ
easat-6885	74	31	-	-	PUNCT
easat-6885	74	32	pagan	pagan	ADJ
easat-6885	74	33	-	-	PUNCT
easat-6885	74	34	godfrey	godfrey	NOUN
easat-6885	74	35	test	test	NOUN
easat-6885	74	36	)	)	PUNCT
easat-6885	74	37	,	,	PUNCT
easat-6885	74	38	autocorrelation	autocorrelation	NOUN
easat-6885	74	39	(	(	PUNCT
easat-6885	74	40	durbin	durbin	ADJ
easat-6885	74	41	-	-	PUNCT
easat-6885	74	42	watson	watson	NOUN
easat-6885	74	43	test	test	NOUN
easat-6885	74	44	)	)	PUNCT
easat-6885	74	45	,	,	PUNCT
easat-6885	74	46	and	and	CCONJ
easat-6885	74	47	normality	normality	NOUN
easat-6885	74	48	(	(	PUNCT
easat-6885	74	49	jarque	jarque	NOUN
easat-6885	74	50	-	-	PUNCT
easat-6885	74	51	bera	bera	NOUN
easat-6885	74	52	test	test	NOUN
easat-6885	74	53	)	)	PUNCT
easat-6885	74	54	.	.	PUNCT
easat-6885	75	1	4	4	X
easat-6885	75	2	.	.	NOUN
easat-6885	75	3	results	result	NOUN
easat-6885	75	4	table	table	NOUN
easat-6885	75	5	1	1	NUM
easat-6885	75	6	presents	present	VERB
easat-6885	75	7	the	the	DET
easat-6885	75	8	descriptive	descriptive	ADJ
easat-6885	75	9	statistics	statistic	NOUN
easat-6885	75	10	for	for	ADP
easat-6885	75	11	all	all	DET
easat-6885	75	12	variables	variable	NOUN
easat-6885	75	13	across	across	ADP
easat-6885	75	14	the	the	DET
easat-6885	75	15	observation	observation	NOUN
easat-6885	75	16	period	period	NOUN
easat-6885	75	17	.	.	PUNCT
easat-6885	76	1	the	the	DET
easat-6885	76	2	gdp	gdp	NOUN
easat-6885	76	3	variable	variable	PROPN
easat-6885	76	4	possesses	possess	VERB
easat-6885	76	5	a	a	DET
easat-6885	76	6	mean	mean	ADJ
easat-6885	76	7	value	value	NOUN
easat-6885	76	8	of	of	ADP
easat-6885	76	9	idr	idr	PROPN
easat-6885	76	10	2.96	2.96	NUM
easat-6885	76	11	trillion	trillion	NUM
easat-6885	76	12	,	,	PUNCT
easat-6885	76	13	with	with	ADP
easat-6885	76	14	a	a	DET
easat-6885	76	15	standard	standard	ADJ
easat-6885	76	16	deviation	deviation	NOUN
easat-6885	76	17	of	of	ADP
easat-6885	76	18	idr	idr	PROPN
easat-6885	76	19	121	121	NUM
easat-6885	76	20	billion	billion	NUM
easat-6885	76	21	.	.	PUNCT
easat-6885	77	1	notably	notably	ADV
easat-6885	77	2	,	,	PUNCT
easat-6885	77	3	the	the	DET
easat-6885	77	4	size	size	NOUN
easat-6885	77	5	variable	variable	NOUN
easat-6885	77	6	indicates	indicate	VERB
easat-6885	77	7	a	a	DET
easat-6885	77	8	wide	wide	ADJ
easat-6885	77	9	variance	variance	NOUN
easat-6885	77	10	in	in	ADP
easat-6885	77	11	company	company	NOUN
easat-6885	77	12	scale	scale	NOUN
easat-6885	77	13	among	among	ADP
easat-6885	77	14	p2p	p2p	NOUN
easat-6885	77	15	lenders	lender	NOUN
easat-6885	77	16	,	,	PUNCT
easat-6885	77	17	reflecting	reflect	VERB
easat-6885	77	18	differing	differ	VERB
easat-6885	77	19	levels	level	NOUN
easat-6885	77	20	of	of	ADP
easat-6885	77	21	market	market	NOUN
easat-6885	77	22	reach	reach	NOUN
easat-6885	77	23	and	and	CCONJ
easat-6885	77	24	capitalization	capitalization	NOUN
easat-6885	77	25	.	.	PUNCT
easat-6885	78	1	financial	financial	ADJ
easat-6885	78	2	ratio	ratio	NOUN
easat-6885	78	3	indicators	indicator	NOUN
easat-6885	78	4	such	such	ADJ
easat-6885	78	5	as	as	ADP
easat-6885	78	6	nim	nim	PROPN
easat-6885	78	7	and	and	CCONJ
easat-6885	78	8	iis	iis	PROPN
easat-6885	78	9	display	display	NOUN
easat-6885	78	10	low	low	ADJ
easat-6885	78	11	average	average	ADJ
easat-6885	78	12	values	value	NOUN
easat-6885	78	13	but	but	CCONJ
easat-6885	78	14	relatively	relatively	ADV
easat-6885	78	15	stable	stable	ADJ
easat-6885	78	16	distribution	distribution	NOUN
easat-6885	78	17	,	,	PUNCT
easat-6885	78	18	suggesting	suggest	VERB
easat-6885	78	19	a	a	DET
easat-6885	78	20	consistent	consistent	ADJ
easat-6885	78	21	performance	performance	NOUN
easat-6885	78	22	structure	structure	NOUN
easat-6885	78	23	across	across	ADP
easat-6885	78	24	the	the	DET
easat-6885	78	25	sample	sample	NOUN
easat-6885	78	26	.	.	PUNCT
easat-6885	79	1	in	in	ADP
easat-6885	79	2	contrast	contrast	NOUN
easat-6885	79	3	,	,	PUNCT
easat-6885	79	4	roa	roa	PROPN
easat-6885	79	5	and	and	CCONJ
easat-6885	79	6	roe	roe	PROPN
easat-6885	79	7	exhibit	exhibit	VERB
easat-6885	79	8	wider	wide	ADJ
easat-6885	79	9	standard	standard	ADJ
easat-6885	79	10	deviations	deviation	NOUN
easat-6885	79	11	,	,	PUNCT
easat-6885	79	12	indicating	indicate	VERB
easat-6885	79	13	variability	variability	NOUN
easat-6885	79	14	in	in	ADP
easat-6885	79	15	profitability	profitability	NOUN
easat-6885	79	16	performance	performance	NOUN
easat-6885	79	17	among	among	ADP
easat-6885	79	18	fintech	fintech	NOUN
easat-6885	79	19	firms	firm	NOUN
easat-6885	79	20	.	.	PUNCT
easat-6885	80	1	the	the	DET
easat-6885	80	2	gender	gender	NOUN
easat-6885	80	3	variables	variable	NOUN
easat-6885	80	4	show	show	VERB
easat-6885	80	5	that	that	SCONJ
easat-6885	80	6	female	female	ADJ
easat-6885	80	7	users	user	NOUN
easat-6885	80	8	had	have	VERB
easat-6885	80	9	a	a	DET
easat-6885	80	10	higher	high	ADJ
easat-6885	80	11	average	average	ADJ
easat-6885	80	12	borrowing	borrowing	NOUN
easat-6885	80	13	volume	volume	NOUN
easat-6885	80	14	than	than	ADP
easat-6885	80	15	male	male	ADJ
easat-6885	80	16	users	user	NOUN
easat-6885	80	17	during	during	ADP
easat-6885	80	18	the	the	DET
easat-6885	80	19	study	study	NOUN
easat-6885	80	20	period	period	NOUN
easat-6885	80	21	.	.	PUNCT
easat-6885	81	1	427	427	NUM
easat-6885	81	2	edelweiss	edelweiss	PROPN
easat-6885	81	3	applied	apply	VERB
easat-6885	81	4	science	science	NOUN
easat-6885	81	5	and	and	CCONJ
easat-6885	81	6	technology	technology	NOUN
easat-6885	81	7	issn	issn	PROPN
easat-6885	81	8	:	:	PUNCT
easat-6885	81	9	2576	2576	NUM
easat-6885	81	10	-	-	SYM
easat-6885	81	11	8484	8484	NUM
easat-6885	81	12	vol	vol	NOUN
easat-6885	81	13	.	.	PROPN
easat-6885	82	1	9	9	NUM
easat-6885	82	2	,	,	PUNCT
easat-6885	82	3	no	no	INTJ
easat-6885	82	4	.	.	NOUN
easat-6885	82	5	5	5	NUM
easat-6885	82	6	:	:	PUNCT
easat-6885	82	7	424	424	NUM
easat-6885	82	8	-	-	SYM
easat-6885	82	9	435	435	NUM
easat-6885	82	10	,	,	PUNCT
easat-6885	82	11	2025	2025	NUM
easat-6885	82	12	doi	doi	NOUN
easat-6885	82	13	:	:	PUNCT
easat-6885	82	14	10.55214/25768484.v9i5.6885	10.55214/25768484.v9i5.6885	NUM
easat-6885	82	15	©	©	NOUN
easat-6885	82	16	2025	2025	NUM
easat-6885	82	17	by	by	ADP
easat-6885	82	18	the	the	DET
easat-6885	82	19	authors	author	NOUN
easat-6885	82	20	;	;	PUNCT
easat-6885	83	1	licensee	licensee	PROPN
easat-6885	83	2	learning	learn	VERB
easat-6885	83	3	gate	gate	NOUN
easat-6885	83	4	table	table	NOUN
easat-6885	83	5	1	1	NUM
easat-6885	83	6	.	.	PUNCT
easat-6885	83	7	descriptive	descriptive	ADJ
easat-6885	83	8	statistics	statistic	NOUN
easat-6885	83	9	results	result	NOUN
easat-6885	83	10	.	.	PUNCT
easat-6885	84	1	mean	mean	VERB
easat-6885	84	2	median	median	ADJ
easat-6885	84	3	maximum	maximum	ADJ
easat-6885	84	4	minimum	minimum	ADJ
easat-6885	84	5	std	std	NOUN
easat-6885	84	6	.	.	PUNCT
easat-6885	85	1	dev	dev	PROPN
easat-6885	85	2	.	.	PUNCT
easat-6885	86	1	gdp	gdp	PROPN
easat-6885	86	2	2.960.000.000	2.960.000.000	NUM
easat-6885	86	3	2.960.000.000	2.960.000.000	NUM
easat-6885	86	4	3.140.000.000	3.140.000.000	NUM
easat-6885	86	5	2.770.000.000	2.770.000.000	NUM
easat-6885	86	6	121.000.000	121.000.000	NUM
easat-6885	86	7	nim	nim	PROPN
easat-6885	86	8	0,00287	0,00287	NOUN
easat-6885	86	9	0,00255	0,00255	VERB
easat-6885	87	1	0,00717	0,00717	ADP
easat-6885	87	2	0,00042	0,00042	NUM
easat-6885	87	3	0,00173	0,00173	PROPN
easat-6885	87	4	yea	yea	NOUN
easat-6885	88	1	0,00439	0,00439	PROPN
easat-6885	88	2	0,00415	0,00415	NUM
easat-6885	88	3	0,01142	0,01142	PROPN
easat-6885	88	4	0,00067	0,00067	PROPN
easat-6885	88	5	0,00262	0,00262	NUM
easat-6885	88	6	roa	roa	NOUN
easat-6885	89	1	0,02166	0,02166	ADJ
easat-6885	89	2	0,01844	0,01844	NOUN
easat-6885	89	3	0,08500	0,08500	NOUN
easat-6885	90	1	-0,03661	-0,03661	PROPN
easat-6885	90	2	0,03893	0,03893	NUM
easat-6885	90	3	roe	roe	NOUN
easat-6885	90	4	0,04991	0,04991	PROPN
easat-6885	90	5	0,04581	0,04581	PROPN
easat-6885	90	6	0,17376	0,17376	VERB
easat-6885	91	1	-0,06253	-0,06253	ADJ
easat-6885	91	2	0,07536	0,07536	NOUN
easat-6885	91	3	cap	cap	NOUN
easat-6885	91	4	0,53486	0,53486	PROPN
easat-6885	91	5	0,55318	0,55318	NUM
easat-6885	91	6	0,61048	0,61048	NOUN
easat-6885	91	7	0,45259	0,45259	NOUN
easat-6885	91	8	0,04976	0,04976	NOUN
easat-6885	91	9	size	size	NOUN
easat-6885	91	10	5.450.000.000.000	5.450.000.000.000	NUM
easat-6885	92	1	5.070.000.000.000	5.070.000.000.000	NUM
easat-6885	92	2	7.590.000.000.000	7.590.000.000.000	NUM
easat-6885	92	3	4.060.000.000.000	4.060.000.000.000	NUM
easat-6885	92	4	1.110.000.000.000	1.110.000.000.000	NUM
easat-6885	92	5	cti	cti	VERB
easat-6885	92	6	0,93268	0,93268	ADJ
easat-6885	92	7	0,89075	0,89075	ADJ
easat-6885	92	8	1,05394	1,05394	NUM
easat-6885	92	9	0,86226	0,86226	NOUN
easat-6885	92	10	0,07074	0,07074	PROPN
easat-6885	92	11	iis	iis	PROPN
easat-6885	92	12	0,00307	0,00307	PROPN
easat-6885	92	13	0,00298	0,00298	PROPN
easat-6885	92	14	0,00389	0,00389	NOUN
easat-6885	93	1	0,00243	0,00243	NUM
easat-6885	93	2	0,00038	0,00038	PROPN
easat-6885	93	3	gm	gm	PROPN
easat-6885	94	1	17.300.000.000.000	17.300.000.000.000	NUM
easat-6885	94	2	18.600.000.000.000	18.600.000.000.000	NUM
easat-6885	94	3	25.100.000.000.000	25.100.000.000.000	NUM
easat-6885	94	4	8.810.000.000.000	8.810.000.000.000	NUM
easat-6885	94	5	4.870.000.000.000	4.870.000.000.000	NUM
easat-6885	94	6	gwm	gwm	NOUN
easat-6885	94	7	20.200.000.000.000	20.200.000.000.000	NUM
easat-6885	94	8	22.400.000.000.000	22.400.000.000.000	NUM
easat-6885	95	1	29.600.000.000.000	29.600.000.000.000	NUM
easat-6885	95	2	9.610.000.000.000	9.610.000.000.000	NUM
easat-6885	96	1	6.120.000.000.000	6.120.000.000.000	NUM
easat-6885	96	2	table	table	NOUN
easat-6885	96	3	1	1	NUM
easat-6885	96	4	provides	provide	VERB
easat-6885	96	5	descriptive	descriptive	ADJ
easat-6885	96	6	statistics	statistic	NOUN
easat-6885	96	7	for	for	ADP
easat-6885	96	8	the	the	DET
easat-6885	96	9	variables	variable	NOUN
easat-6885	96	10	over	over	ADP
easat-6885	96	11	the	the	DET
easat-6885	96	12	observation	observation	NOUN
easat-6885	96	13	period	period	NOUN
easat-6885	96	14	.	.	PUNCT
easat-6885	97	1	gross	gross	ADJ
easat-6885	97	2	domestic	domestic	ADJ
easat-6885	97	3	product	product	NOUN
easat-6885	97	4	(	(	PUNCT
easat-6885	97	5	gdp	gdp	NOUN
easat-6885	97	6	)	)	PUNCT
easat-6885	97	7	averaged	average	VERB
easat-6885	97	8	idr	idr	PROPN
easat-6885	97	9	2.96	2.96	NUM
easat-6885	97	10	trillion	trillion	NUM
easat-6885	97	11	,	,	PUNCT
easat-6885	97	12	ranging	range	VERB
easat-6885	97	13	from	from	ADP
easat-6885	97	14	idr	idr	PROPN
easat-6885	97	15	2.77	2.77	NUM
easat-6885	97	16	trillion	trillion	NUM
easat-6885	97	17	to	to	PART
easat-6885	97	18	idr	idr	VERB
easat-6885	97	19	3.14	3.14	NUM
easat-6885	97	20	trillion	trillion	NUM
easat-6885	97	21	,	,	PUNCT
easat-6885	97	22	with	with	ADP
easat-6885	97	23	a	a	DET
easat-6885	97	24	standard	standard	ADJ
easat-6885	97	25	deviation	deviation	NOUN
easat-6885	97	26	of	of	ADP
easat-6885	97	27	idr	idr	PROPN
easat-6885	97	28	121	121	NUM
easat-6885	97	29	billion	billion	NUM
easat-6885	97	30	.	.	PUNCT
easat-6885	98	1	the	the	DET
easat-6885	98	2	net	net	ADJ
easat-6885	98	3	interest	interest	NOUN
easat-6885	98	4	margin	margin	NOUN
easat-6885	98	5	(	(	PUNCT
easat-6885	98	6	nim	nim	NOUN
easat-6885	98	7	)	)	PUNCT
easat-6885	98	8	averaged	average	VERB
easat-6885	98	9	0.00287	0.00287	NUM
easat-6885	98	10	(	(	PUNCT
easat-6885	98	11	median	median	NOUN
easat-6885	98	12	:	:	PUNCT
easat-6885	98	13	0.00255	0.00255	NUM
easat-6885	98	14	)	)	PUNCT
easat-6885	98	15	,	,	PUNCT
easat-6885	98	16	with	with	ADP
easat-6885	98	17	a	a	DET
easat-6885	98	18	range	range	NOUN
easat-6885	98	19	of	of	ADP
easat-6885	98	20	0.00042	0.00042	NUM
easat-6885	98	21	to	to	ADP
easat-6885	98	22	0.00717	0.00717	NUM
easat-6885	98	23	.	.	PUNCT
easat-6885	99	1	the	the	DET
easat-6885	99	2	yield	yield	NOUN
easat-6885	99	3	on	on	ADP
easat-6885	99	4	earning	earn	VERB
easat-6885	99	5	assets	asset	NOUN
easat-6885	99	6	(	(	PUNCT
easat-6885	99	7	yea	yea	NOUN
easat-6885	99	8	)	)	PUNCT
easat-6885	99	9	averaged	average	VERB
easat-6885	99	10	0.00439	0.00439	NUM
easat-6885	99	11	(	(	PUNCT
easat-6885	99	12	median	median	NOUN
easat-6885	99	13	:	:	PUNCT
easat-6885	99	14	0.00415	0.00415	NUM
easat-6885	99	15	)	)	PUNCT
easat-6885	99	16	.	.	PUNCT
easat-6885	100	1	return	return	VERB
easat-6885	100	2	on	on	ADP
easat-6885	100	3	assets	asset	NOUN
easat-6885	100	4	(	(	PUNCT
easat-6885	100	5	roa	roa	NOUN
easat-6885	100	6	)	)	PUNCT
easat-6885	100	7	averaged	average	VERB
easat-6885	100	8	0.02176	0.02176	NUM
easat-6885	100	9	(	(	PUNCT
easat-6885	100	10	median	median	NOUN
easat-6885	100	11	:	:	PUNCT
easat-6885	100	12	0.01844	0.01844	NUM
easat-6885	100	13	)	)	PUNCT
easat-6885	100	14	,	,	PUNCT
easat-6885	100	15	ranging	range	VERB
easat-6885	100	16	from	from	ADP
easat-6885	100	17	–	–	PUNCT
easat-6885	100	18	0.03661	0.03661	NUM
easat-6885	100	19	to	to	ADP
easat-6885	100	20	0.08500	0.08500	NUM
easat-6885	100	21	,	,	PUNCT
easat-6885	100	22	while	while	SCONJ
easat-6885	100	23	return	return	NOUN
easat-6885	100	24	on	on	ADP
easat-6885	100	25	equity	equity	NOUN
easat-6885	100	26	(	(	PUNCT
easat-6885	100	27	roe	roe	PROPN
easat-6885	100	28	)	)	PUNCT
easat-6885	100	29	averaged	average	VERB
easat-6885	100	30	0.04991	0.04991	NUM
easat-6885	100	31	(	(	PUNCT
easat-6885	100	32	median	median	NOUN
easat-6885	100	33	:	:	PUNCT
easat-6885	100	34	0.04581	0.04581	NUM
easat-6885	100	35	)	)	PUNCT
easat-6885	100	36	.	.	PUNCT
easat-6885	101	1	the	the	PRON
easat-6885	101	2	capital	capital	NOUN
easat-6885	101	3	ratio	ratio	NOUN
easat-6885	101	4	(	(	PUNCT
easat-6885	101	5	cap	cap	NOUN
easat-6885	101	6	)	)	PUNCT
easat-6885	101	7	averaged	average	VERB
easat-6885	101	8	0.53486	0.53486	NUM
easat-6885	101	9	(	(	PUNCT
easat-6885	101	10	median	median	NOUN
easat-6885	101	11	:	:	PUNCT
easat-6885	101	12	0.55318	0.55318	NUM
easat-6885	101	13	)	)	PUNCT
easat-6885	101	14	.	.	PUNCT
easat-6885	102	1	company	company	NOUN
easat-6885	102	2	scale	scale	NOUN
easat-6885	102	3	(	(	PUNCT
easat-6885	102	4	size	size	NOUN
easat-6885	102	5	)	)	PUNCT
easat-6885	102	6	averaged	average	VERB
easat-6885	102	7	idr	idr	PROPN
easat-6885	102	8	5.45	5.45	NUM
easat-6885	102	9	trillion	trillion	NUM
easat-6885	102	10	,	,	PUNCT
easat-6885	102	11	with	with	ADP
easat-6885	102	12	a	a	DET
easat-6885	102	13	range	range	NOUN
easat-6885	102	14	of	of	ADP
easat-6885	102	15	idr	idr	PROPN
easat-6885	102	16	4.06	4.06	NUM
easat-6885	102	17	trillion	trillion	NUM
easat-6885	102	18	to	to	PART
easat-6885	102	19	idr	idr	VERB
easat-6885	102	20	7.59	7.59	NUM
easat-6885	102	21	trillion	trillion	NUM
easat-6885	102	22	.	.	PUNCT
easat-6885	103	1	the	the	DET
easat-6885	103	2	cost	cost	NOUN
easat-6885	103	3	to	to	PART
easat-6885	103	4	income	income	NOUN
easat-6885	103	5	ratio	ratio	NOUN
easat-6885	103	6	(	(	PUNCT
easat-6885	103	7	cti	cti	PROPN
easat-6885	103	8	)	)	PUNCT
easat-6885	103	9	averaged	average	VERB
easat-6885	103	10	0.93268	0.93268	NUM
easat-6885	103	11	(	(	PUNCT
easat-6885	103	12	median	median	NOUN
easat-6885	103	13	:	:	PUNCT
easat-6885	103	14	0.89075	0.89075	NUM
easat-6885	103	15	)	)	PUNCT
easat-6885	103	16	,	,	PUNCT
easat-6885	103	17	and	and	CCONJ
easat-6885	103	18	the	the	DET
easat-6885	103	19	interest	interest	NOUN
easat-6885	103	20	income	income	NOUN
easat-6885	103	21	share	share	NOUN
easat-6885	103	22	(	(	PUNCT
easat-6885	103	23	iis	iis	PROPN
easat-6885	103	24	)	)	PUNCT
easat-6885	103	25	averaged	average	VERB
easat-6885	103	26	0.00307	0.00307	NUM
easat-6885	103	27	(	(	PUNCT
easat-6885	103	28	median	median	NOUN
easat-6885	103	29	:	:	PUNCT
easat-6885	103	30	0.00298	0.00298	NUM
easat-6885	103	31	)	)	PUNCT
easat-6885	103	32	.	.	PUNCT
easat-6885	104	1	male	male	ADJ
easat-6885	104	2	user	user	NOUN
easat-6885	104	3	participation	participation	NOUN
easat-6885	104	4	averaged	average	VERB
easat-6885	104	5	idr	idr	PROPN
easat-6885	104	6	17.3	17.3	NUM
easat-6885	104	7	trillion	trillion	NUM
easat-6885	104	8	,	,	PUNCT
easat-6885	104	9	while	while	SCONJ
easat-6885	104	10	female	female	ADJ
easat-6885	104	11	user	user	NOUN
easat-6885	104	12	participation	participation	NOUN
easat-6885	104	13	averaged	average	VERB
easat-6885	104	14	idr	idr	PROPN
easat-6885	104	15	20.2	20.2	NUM
easat-6885	104	16	trillion	trillion	NUM
easat-6885	104	17	,	,	PUNCT
easat-6885	104	18	with	with	ADP
easat-6885	104	19	respective	respective	ADJ
easat-6885	104	20	ranges	range	NOUN
easat-6885	104	21	of	of	ADP
easat-6885	104	22	idr	idr	PROPN
easat-6885	104	23	8.81	8.81	NUM
easat-6885	104	24	trillion	trillion	NUM
easat-6885	104	25	to	to	PART
easat-6885	104	26	idr	idr	VERB
easat-6885	104	27	25.1	25.1	NUM
easat-6885	104	28	trillion	trillion	NUM
easat-6885	104	29	and	and	CCONJ
easat-6885	104	30	idr	idr	VERB
easat-6885	104	31	9.61	9.61	NUM
easat-6885	104	32	trillion	trillion	NUM
easat-6885	104	33	to	to	PART
easat-6885	104	34	idr	idr	VERB
easat-6885	104	35	29.6	29.6	NUM
easat-6885	104	36	trillion	trillion	NUM
easat-6885	104	37	.	.	PUNCT
easat-6885	105	1	4.1	4.1	NUM
easat-6885	105	2	.	.	PUNCT
easat-6885	106	1	ordinary	ordinary	ADJ
easat-6885	106	2	least	least	ADJ
easat-6885	106	3	squares	square	NOUN
easat-6885	106	4	(	(	PUNCT
easat-6885	106	5	ols	ol	NOUN
easat-6885	106	6	)	)	PUNCT
easat-6885	106	7	regression	regression	NOUN
easat-6885	106	8	test	test	NOUN
easat-6885	106	9	table	table	NOUN
easat-6885	106	10	2	2	NUM
easat-6885	106	11	summarizes	summarize	NOUN
easat-6885	106	12	the	the	DET
easat-6885	106	13	ols	ol	NOUN
easat-6885	106	14	regression	regression	NOUN
easat-6885	106	15	output	output	NOUN
easat-6885	106	16	.	.	PUNCT
easat-6885	107	1	variables	variable	NOUN
easat-6885	107	2	that	that	PRON
easat-6885	107	3	show	show	VERB
easat-6885	107	4	a	a	DET
easat-6885	107	5	statistically	statistically	ADV
easat-6885	107	6	significant	significant	ADJ
easat-6885	107	7	positive	positive	ADJ
easat-6885	107	8	effect	effect	NOUN
easat-6885	107	9	on	on	ADP
easat-6885	107	10	gdp	gdp	NOUN
easat-6885	107	11	at	at	ADP
easat-6885	107	12	the	the	DET
easat-6885	107	13	5	5	NUM
easat-6885	107	14	%	%	NOUN
easat-6885	107	15	level	level	NOUN
easat-6885	107	16	include	include	VERB
easat-6885	107	17	:	:	PUNCT
easat-6885	107	18	•	•	NUM
easat-6885	107	19	net	net	ADJ
easat-6885	107	20	interest	interest	NOUN
easat-6885	107	21	margin	margin	NOUN
easat-6885	107	22	(	(	PUNCT
easat-6885	107	23	nim	nim	NOUN
easat-6885	107	24	)	)	PUNCT
easat-6885	107	25	(	(	PUNCT
easat-6885	107	26	p	p	X
easat-6885	107	27	=	=	NOUN
easat-6885	107	28	0.0139	0.0139	NUM
easat-6885	107	29	)	)	PUNCT
easat-6885	107	30	,	,	PUNCT
easat-6885	107	31	•	•	NUM
easat-6885	107	32	company	company	NOUN
easat-6885	107	33	scale	scale	NOUN
easat-6885	107	34	(	(	PUNCT
easat-6885	107	35	size	size	NOUN
easat-6885	107	36	)	)	PUNCT
easat-6885	107	37	(	(	PUNCT
easat-6885	107	38	p	p	X
easat-6885	107	39	=	=	NOUN
easat-6885	107	40	0.0443	0.0443	NUM
easat-6885	107	41	)	)	PUNCT
easat-6885	107	42	,	,	PUNCT
easat-6885	107	43	•	•	NUM
easat-6885	107	44	interest	interest	NOUN
easat-6885	107	45	income	income	NOUN
easat-6885	107	46	share	share	NOUN
easat-6885	107	47	(	(	PUNCT
easat-6885	107	48	iis	iis	PROPN
easat-6885	107	49	)	)	PUNCT
easat-6885	107	50	(	(	PUNCT
easat-6885	107	51	p	p	X
easat-6885	107	52	=	=	NOUN
easat-6885	107	53	0.0385	0.0385	NUM
easat-6885	107	54	)	)	PUNCT
easat-6885	107	55	,	,	PUNCT
easat-6885	107	56	and	and	CCONJ
easat-6885	107	57	•	•	NUM
easat-6885	107	58	female	female	ADJ
easat-6885	107	59	user	user	NOUN
easat-6885	107	60	gender	gender	NOUN
easat-6885	107	61	(	(	PUNCT
easat-6885	107	62	p	p	X
easat-6885	107	63	=	=	NOUN
easat-6885	107	64	0.0033	0.0033	NUM
easat-6885	107	65	)	)	PUNCT
easat-6885	107	66	.	.	PUNCT
easat-6885	108	1	these	these	DET
easat-6885	108	2	findings	finding	NOUN
easat-6885	108	3	indicate	indicate	VERB
easat-6885	108	4	that	that	SCONJ
easat-6885	108	5	operational	operational	ADJ
easat-6885	108	6	efficiency	efficiency	NOUN
easat-6885	108	7	,	,	PUNCT
easat-6885	108	8	firm	firm	ADJ
easat-6885	108	9	size	size	NOUN
easat-6885	108	10	,	,	PUNCT
easat-6885	108	11	income	income	NOUN
easat-6885	108	12	structure	structure	NOUN
easat-6885	108	13	,	,	PUNCT
easat-6885	108	14	and	and	CCONJ
easat-6885	108	15	gender	gender	NOUN
easat-6885	108	16	-	-	PUNCT
easat-6885	108	17	based	base	VERB
easat-6885	108	18	user	user	NOUN
easat-6885	108	19	behavior	behavior	NOUN
easat-6885	108	20	contribute	contribute	VERB
easat-6885	108	21	meaningfully	meaningfully	ADV
easat-6885	108	22	to	to	ADP
easat-6885	108	23	economic	economic	ADJ
easat-6885	108	24	growth	growth	NOUN
easat-6885	108	25	.	.	PUNCT
easat-6885	109	1	other	other	ADJ
easat-6885	109	2	variables	variable	NOUN
easat-6885	109	3	such	such	ADJ
easat-6885	109	4	as	as	ADP
easat-6885	109	5	yea	yea	ADJ
easat-6885	109	6	,	,	PUNCT
easat-6885	109	7	roa	roa	PROPN
easat-6885	109	8	,	,	PUNCT
easat-6885	109	9	roe	roe	NOUN
easat-6885	109	10	,	,	PUNCT
easat-6885	109	11	cap	cap	PROPN
easat-6885	109	12	,	,	PUNCT
easat-6885	109	13	cti	cti	PROPN
easat-6885	109	14	,	,	PUNCT
easat-6885	109	15	and	and	CCONJ
easat-6885	109	16	male	male	ADJ
easat-6885	109	17	user	user	NOUN
easat-6885	109	18	gender	gender	NOUN
easat-6885	109	19	were	be	AUX
easat-6885	109	20	statistically	statistically	ADV
easat-6885	109	21	insignificant	insignificant	ADJ
easat-6885	109	22	,	,	PUNCT
easat-6885	109	23	with	with	ADP
easat-6885	109	24	probability	probability	NOUN
easat-6885	109	25	values	value	NOUN
easat-6885	109	26	exceeding	exceed	VERB
easat-6885	109	27	the	the	DET
easat-6885	109	28	0.05	0.05	NUM
easat-6885	109	29	threshold	threshold	NOUN
easat-6885	109	30	.	.	PUNCT
easat-6885	110	1	this	this	PRON
easat-6885	110	2	implies	imply	VERB
easat-6885	110	3	that	that	SCONJ
easat-6885	110	4	not	not	PART
easat-6885	110	5	all	all	DET
easat-6885	110	6	financial	financial	ADJ
easat-6885	110	7	performance	performance	NOUN
easat-6885	110	8	indicators	indicator	NOUN
easat-6885	110	9	strongly	strongly	ADV
easat-6885	110	10	predict	predict	VERB
easat-6885	110	11	macroeconomic	macroeconomic	ADJ
easat-6885	110	12	impact	impact	NOUN
easat-6885	110	13	within	within	ADP
easat-6885	110	14	the	the	DET
easat-6885	110	15	fintech	fintech	NOUN
easat-6885	110	16	context	context	NOUN
easat-6885	110	17	.	.	PUNCT
easat-6885	111	1	428	428	NUM
easat-6885	111	2	edelweiss	edelweiss	PROPN
easat-6885	111	3	applied	apply	VERB
easat-6885	111	4	science	science	NOUN
easat-6885	111	5	and	and	CCONJ
easat-6885	111	6	technology	technology	NOUN
easat-6885	111	7	issn	issn	PROPN
easat-6885	111	8	:	:	PUNCT
easat-6885	111	9	2576	2576	NUM
easat-6885	111	10	-	-	SYM
easat-6885	111	11	8484	8484	NUM
easat-6885	111	12	vol	vol	NOUN
easat-6885	111	13	.	.	PROPN
easat-6885	112	1	9	9	NUM
easat-6885	112	2	,	,	PUNCT
easat-6885	112	3	no	no	INTJ
easat-6885	112	4	.	.	NOUN
easat-6885	112	5	5	5	NUM
easat-6885	112	6	:	:	PUNCT
easat-6885	112	7	424	424	NUM
easat-6885	112	8	-	-	SYM
easat-6885	112	9	435	435	NUM
easat-6885	112	10	,	,	PUNCT
easat-6885	112	11	2025	2025	NUM
easat-6885	112	12	doi	doi	NOUN
easat-6885	112	13	:	:	PUNCT
easat-6885	112	14	10.55214/25768484.v9i5.6885	10.55214/25768484.v9i5.6885	NUM
easat-6885	112	15	©	©	NOUN
easat-6885	112	16	2025	2025	NUM
easat-6885	112	17	by	by	ADP
easat-6885	112	18	the	the	DET
easat-6885	112	19	authors	author	NOUN
easat-6885	112	20	;	;	PUNCT
easat-6885	112	21	licensee	licensee	PROPN
easat-6885	112	22	learning	learn	VERB
easat-6885	112	23	gate	gate	NOUN
easat-6885	112	24	table	table	NOUN
easat-6885	112	25	2	2	NUM
easat-6885	112	26	.	.	PUNCT
easat-6885	113	1	ols	ol	NOUN
easat-6885	113	2	regression	regression	NOUN
easat-6885	113	3	test	test	NOUN
easat-6885	113	4	results	result	NOUN
easat-6885	113	5	.	.	PUNCT
easat-6885	114	1	variable	variable	ADJ
easat-6885	114	2	coefficient	coefficient	NOUN
easat-6885	114	3	probability	probability	NOUN
easat-6885	114	4	c	c	PROPN
easat-6885	114	5	18.09184	18.09184	NUM
easat-6885	114	6	0.0000	0.0000	NUM
easat-6885	114	7	(	(	PUNCT
easat-6885	114	8	nim	nim	NOUN
easat-6885	114	9	)	)	PUNCT
easat-6885	114	10	7.362286	7.362286	NUM
easat-6885	114	11	0.0139	0.0139	NUM
easat-6885	114	12	(	(	PUNCT
easat-6885	114	13	yea	yea	PROPN
easat-6885	114	14	)	)	PUNCT
easat-6885	114	15	-2.179173	-2.179173	NOUN
easat-6885	115	1	0.2688	0.2688	NUM
easat-6885	115	2	(	(	PUNCT
easat-6885	115	3	roa	roa	NOUN
easat-6885	115	4	)	)	PUNCT
easat-6885	115	5	0.021886	0.021886	NUM
easat-6885	115	6	0.8331	0.8331	NUM
easat-6885	115	7	(	(	PUNCT
easat-6885	115	8	roe	roe	NOUN
easat-6885	115	9	)	)	PUNCT
easat-6885	115	10	0.029877	0.029877	NUM
easat-6885	115	11	0.5593	0.5593	NUM
easat-6885	115	12	(	(	PUNCT
easat-6885	115	13	cap	cap	NOUN
easat-6885	115	14	)	)	PUNCT
easat-6885	115	15	0.117809	0.117809	NUM
easat-6885	115	16	0.3050	0.3050	NUM
easat-6885	115	17	(	(	PUNCT
easat-6885	115	18	size	size	NOUN
easat-6885	115	19	)	)	PUNCT
easat-6885	115	20	0.062198	0.062198	NUM
easat-6885	115	21	0.0443	0.0443	NUM
easat-6885	115	22	(	(	PUNCT
easat-6885	115	23	cti	cti	NOUN
easat-6885	115	24	)	)	PUNCT
easat-6885	115	25	-0.013137	-0.013137	NOUN
easat-6885	116	1	0.8312	0.8312	NUM
easat-6885	116	2	(	(	PUNCT
easat-6885	116	3	iis	iis	PROPN
easat-6885	116	4	)	)	PUNCT
easat-6885	116	5	24.51567	24.51567	NUM
easat-6885	116	6	0.0385	0.0385	NUM
easat-6885	116	7	gender	gender	NOUN
easat-6885	116	8	male	male	NOUN
easat-6885	116	9	0.002668	0.002668	NUM
easat-6885	116	10	0.8579	0.8579	NUM
easat-6885	116	11	gender	gender	NOUN
easat-6885	116	12	female	female	NOUN
easat-6885	116	13	0.054626	0.054626	NUM
easat-6885	116	14	0.0033	0.0033	NUM
easat-6885	116	15	based	base	VERB
easat-6885	116	16	on	on	ADP
easat-6885	116	17	a	a	DET
easat-6885	116	18	5	5	NUM
easat-6885	116	19	%	%	NOUN
easat-6885	116	20	significance	significance	NOUN
easat-6885	116	21	level	level	NOUN
easat-6885	116	22	,	,	PUNCT
easat-6885	116	23	net	net	ADJ
easat-6885	116	24	interest	interest	NOUN
easat-6885	116	25	margin	margin	NOUN
easat-6885	116	26	(	(	PUNCT
easat-6885	116	27	nim	nim	NOUN
easat-6885	116	28	)	)	PUNCT
easat-6885	116	29	,	,	PUNCT
easat-6885	116	30	company	company	NOUN
easat-6885	116	31	scale	scale	NOUN
easat-6885	116	32	(	(	PUNCT
easat-6885	116	33	size	size	NOUN
easat-6885	116	34	)	)	PUNCT
easat-6885	116	35	,	,	PUNCT
easat-6885	116	36	interest	interest	NOUN
easat-6885	116	37	income	income	NOUN
easat-6885	116	38	share	share	NOUN
easat-6885	116	39	(	(	PUNCT
easat-6885	116	40	iis	iis	PROPN
easat-6885	116	41	)	)	PUNCT
easat-6885	116	42	,	,	PUNCT
easat-6885	116	43	and	and	CCONJ
easat-6885	116	44	female	female	ADJ
easat-6885	116	45	user	user	NOUN
easat-6885	116	46	participation	participation	NOUN
easat-6885	116	47	significantly	significantly	ADV
easat-6885	116	48	affect	affect	VERB
easat-6885	116	49	indonesia	indonesia	PROPN
easat-6885	116	50	's	's	PART
easat-6885	116	51	economic	economic	ADJ
easat-6885	116	52	growth	growth	NOUN
easat-6885	116	53	,	,	PUNCT
easat-6885	116	54	while	while	SCONJ
easat-6885	116	55	yield	yield	NOUN
easat-6885	116	56	on	on	ADP
easat-6885	116	57	earning	earn	VERB
easat-6885	116	58	assets	asset	NOUN
easat-6885	116	59	(	(	PUNCT
easat-6885	116	60	yea	yea	NOUN
easat-6885	116	61	)	)	PUNCT
easat-6885	116	62	,	,	PUNCT
easat-6885	116	63	return	return	VERB
easat-6885	116	64	on	on	ADP
easat-6885	116	65	assets	asset	NOUN
easat-6885	116	66	(	(	PUNCT
easat-6885	116	67	roa	roa	NOUN
easat-6885	116	68	)	)	PUNCT
easat-6885	116	69	,	,	PUNCT
easat-6885	116	70	return	return	VERB
easat-6885	116	71	on	on	ADP
easat-6885	116	72	equity	equity	NOUN
easat-6885	116	73	(	(	PUNCT
easat-6885	116	74	roe	roe	PROPN
easat-6885	116	75	)	)	PUNCT
easat-6885	116	76	,	,	PUNCT
easat-6885	116	77	capital	capital	NOUN
easat-6885	116	78	ratio	ratio	NOUN
easat-6885	116	79	(	(	PUNCT
easat-6885	116	80	cap	cap	NOUN
easat-6885	116	81	)	)	PUNCT
easat-6885	116	82	,	,	PUNCT
easat-6885	116	83	cost	cost	VERB
easat-6885	116	84	to	to	PART
easat-6885	116	85	income	income	NOUN
easat-6885	116	86	ratio	ratio	NOUN
easat-6885	116	87	(	(	PUNCT
easat-6885	116	88	cti	cti	PROPN
easat-6885	116	89	)	)	PUNCT
easat-6885	116	90	,	,	PUNCT
easat-6885	116	91	and	and	CCONJ
easat-6885	116	92	male	male	ADJ
easat-6885	116	93	user	user	NOUN
easat-6885	116	94	participation	participation	NOUN
easat-6885	116	95	do	do	AUX
easat-6885	116	96	not	not	PART
easat-6885	116	97	(	(	PUNCT
easat-6885	116	98	table	table	NOUN
easat-6885	116	99	2	2	NUM
easat-6885	116	100	)	)	PUNCT
easat-6885	116	101	.	.	PUNCT
easat-6885	117	1	the	the	DET
easat-6885	117	2	regression	regression	NOUN
easat-6885	117	3	equation	equation	NOUN
easat-6885	117	4	is	be	AUX
easat-6885	117	5	:	:	PUNCT
easat-6885	117	6	𝐺𝐷𝑃𝑡	𝐺𝐷𝑃𝑡	NOUN
easat-6885	117	7	=	=	PUNCT
easat-6885	117	8	18.09184	18.09184	NUM
easat-6885	117	9	−	−	PROPN
easat-6885	117	10	7.362286	7.362286	NUM
easat-6885	117	11	𝑁𝐼𝑀𝑡	𝑁𝐼𝑀𝑡	NOUN
easat-6885	117	12	−	−	PROPN
easat-6885	117	13	2.179173	2.179173	NUM
easat-6885	117	14	𝑌𝐸𝐴𝑡	𝑌𝐸𝐴𝑡	NOUN
easat-6885	117	15	+	+	X
easat-6885	117	16	0.021866𝑅𝑂𝐴𝑡	0.021866𝑅𝑂𝐴𝑡	PRON
easat-6885	117	17	+	+	PUNCT
easat-6885	117	18	0.029877𝑅𝑂𝐸𝑡	0.029877𝑅𝑂𝐸𝑡	NUM
easat-6885	118	1	+	+	CCONJ
easat-6885	118	2	0.117809	0.117809	NUM
easat-6885	118	3	𝐶𝐴𝑃𝑡	𝐶𝐴𝑃𝑡	NOUN
easat-6885	118	4	+	+	CCONJ
easat-6885	118	5	0.062198	0.062198	NUM
easat-6885	118	6	𝑆𝐼𝑍𝐸𝑡	𝑆𝐼𝑍𝐸𝑡	NOUN
easat-6885	118	7	−	−	ADP
easat-6885	118	8	0.013137	0.013137	NUM
easat-6885	118	9	𝐶𝑇𝐼𝑡	𝐶𝑇𝐼𝑡	NOUN
easat-6885	118	10	+	+	NOUN
easat-6885	118	11	24.51567	24.51567	NUM
easat-6885	118	12	𝐼𝐼𝑆𝑡	𝐼𝐼𝑆𝑡	NOUN
easat-6885	118	13	+	+	NUM
easat-6885	118	14	0.002668	0.002668	NUM
easat-6885	118	15	𝐺𝑒𝑛𝑑𝑒𝑟	𝐺𝑒𝑛𝑑𝑒𝑟	PROPN
easat-6885	118	16	𝑀𝑎𝑙𝑒𝑡	𝑀𝑎𝑙𝑒𝑡	PROPN
easat-6885	118	17	+	+	CCONJ
easat-6885	118	18	0.054626	0.054626	NUM
easat-6885	118	19	𝐺𝑒𝑛𝑑𝑒𝑟	𝐺𝑒𝑛𝑑𝑒𝑟	PROPN
easat-6885	118	20	𝐹𝑒𝑚𝑎𝑙𝑒𝑡	𝐹𝑒𝑚𝑎𝑙𝑒𝑡	PROPN
easat-6885	119	1	+	+	PROPN
easat-6885	119	2	εt	εt	PROPN
easat-6885	119	3	specifically	specifically	ADV
easat-6885	119	4	,	,	PUNCT
easat-6885	119	5	a	a	DET
easat-6885	119	6	unit	unit	NOUN
easat-6885	119	7	increase	increase	NOUN
easat-6885	119	8	in	in	ADP
easat-6885	119	9	nim	nim	PROPN
easat-6885	119	10	significantly	significantly	ADV
easat-6885	119	11	increases	increase	VERB
easat-6885	119	12	gdp	gdp	NOUN
easat-6885	119	13	by	by	ADP
easat-6885	119	14	0.0139	0.0139	NUM
easat-6885	119	15	,	,	PUNCT
easat-6885	119	16	despite	despite	SCONJ
easat-6885	119	17	a	a	DET
easat-6885	119	18	coefficient	coefficient	NOUN
easat-6885	119	19	of	of	ADP
easat-6885	119	20	7.362286	7.362286	NUM
easat-6885	119	21	.	.	PUNCT
easat-6885	120	1	although	although	SCONJ
easat-6885	120	2	yea	yea	NOUN
easat-6885	120	3	decreased	decrease	VERB
easat-6885	120	4	by	by	ADP
easat-6885	120	5	2.179173	2.179173	NUM
easat-6885	120	6	,	,	PUNCT
easat-6885	120	7	it	it	PRON
easat-6885	120	8	does	do	AUX
easat-6885	120	9	not	not	PART
easat-6885	120	10	significantly	significantly	ADV
easat-6885	120	11	affect	affect	VERB
easat-6885	120	12	gdp	gdp	NOUN
easat-6885	120	13	(	(	PUNCT
easat-6885	120	14	p=0.2688	p=0.2688	PROPN
easat-6885	120	15	)	)	PUNCT
easat-6885	120	16	.	.	PUNCT
easat-6885	121	1	roa	roa	PROPN
easat-6885	121	2	and	and	CCONJ
easat-6885	121	3	roe	roe	PROPN
easat-6885	121	4	also	also	ADV
easat-6885	121	5	have	have	VERB
easat-6885	121	6	no	no	DET
easat-6885	121	7	significant	significant	ADJ
easat-6885	121	8	effect	effect	NOUN
easat-6885	121	9	on	on	ADP
easat-6885	121	10	gdp	gdp	NOUN
easat-6885	121	11	(	(	PUNCT
easat-6885	121	12	p=0.8331	p=0.8331	PROPN
easat-6885	121	13	and	and	CCONJ
easat-6885	121	14	p=0.5593	p=0.5593	PROPN
easat-6885	121	15	,	,	PUNCT
easat-6885	121	16	respectively	respectively	ADV
easat-6885	121	17	)	)	PUNCT
easat-6885	121	18	,	,	PUNCT
easat-6885	121	19	despite	despite	SCONJ
easat-6885	121	20	increases	increase	NOUN
easat-6885	121	21	of	of	ADP
easat-6885	121	22	0.021886	0.021886	NUM
easat-6885	121	23	and	and	CCONJ
easat-6885	121	24	0.029877	0.029877	NUM
easat-6885	121	25	.	.	PUNCT
easat-6885	122	1	cap	cap	NOUN
easat-6885	122	2	and	and	CCONJ
easat-6885	122	3	size	size	NOUN
easat-6885	122	4	increased	increase	VERB
easat-6885	122	5	by	by	ADP
easat-6885	122	6	0.117809	0.117809	NUM
easat-6885	122	7	and	and	CCONJ
easat-6885	122	8	0.062198	0.062198	NUM
easat-6885	122	9	,	,	PUNCT
easat-6885	122	10	respectively	respectively	ADV
easat-6885	122	11	;	;	PUNCT
easat-6885	122	12	however	however	ADV
easat-6885	122	13	,	,	PUNCT
easat-6885	122	14	only	only	ADJ
easat-6885	122	15	size	size	NOUN
easat-6885	122	16	significantly	significantly	ADV
easat-6885	122	17	impacts	impact	VERB
easat-6885	122	18	gdp	gdp	NOUN
easat-6885	122	19	(	(	PUNCT
easat-6885	122	20	p=0.0443	p=0.0443	PROPN
easat-6885	122	21	)	)	PUNCT
easat-6885	122	22	,	,	PUNCT
easat-6885	122	23	while	while	SCONJ
easat-6885	122	24	cap	cap	NOUN
easat-6885	122	25	does	do	VERB
easat-6885	122	26	not	not	PART
easat-6885	122	27	(	(	PUNCT
easat-6885	122	28	p=0.3050	p=0.3050	PROPN
easat-6885	122	29	)	)	PUNCT
easat-6885	122	30	.	.	PUNCT
easat-6885	123	1	cti	cti	PROPN
easat-6885	123	2	decreased	decrease	VERB
easat-6885	123	3	by	by	ADP
easat-6885	123	4	0.013137	0.013137	NUM
easat-6885	123	5	and	and	CCONJ
easat-6885	123	6	possesses	possess	VERB
easat-6885	123	7	no	no	DET
easat-6885	123	8	significant	significant	ADJ
easat-6885	123	9	effect	effect	NOUN
easat-6885	123	10	(	(	PUNCT
easat-6885	123	11	p=0.8312	p=0.8312	PROPN
easat-6885	123	12	)	)	PUNCT
easat-6885	123	13	.	.	PUNCT
easat-6885	124	1	iis	iis	PROPN
easat-6885	124	2	,	,	PUNCT
easat-6885	124	3	which	which	PRON
easat-6885	124	4	experienced	experience	VERB
easat-6885	124	5	the	the	DET
easat-6885	124	6	largest	large	ADJ
easat-6885	124	7	increase	increase	NOUN
easat-6885	124	8	(	(	PUNCT
easat-6885	124	9	24.51567	24.51567	NUM
easat-6885	124	10	)	)	PUNCT
easat-6885	124	11	,	,	PUNCT
easat-6885	124	12	significantly	significantly	ADV
easat-6885	124	13	affects	affect	VERB
easat-6885	124	14	gdp	gdp	NOUN
easat-6885	124	15	(	(	PUNCT
easat-6885	124	16	p=0.0385	p=0.0385	PROPN
easat-6885	124	17	)	)	PUNCT
easat-6885	124	18	.	.	PUNCT
easat-6885	125	1	male	male	ADJ
easat-6885	125	2	user	user	NOUN
easat-6885	125	3	gender	gender	NOUN
easat-6885	125	4	does	do	AUX
easat-6885	125	5	not	not	PART
easat-6885	125	6	significantly	significantly	ADV
easat-6885	125	7	affect	affect	VERB
easat-6885	125	8	gdp	gdp	NOUN
easat-6885	125	9	due	due	ADP
easat-6885	125	10	to	to	ADP
easat-6885	125	11	a	a	DET
easat-6885	125	12	minimal	minimal	ADJ
easat-6885	125	13	increase	increase	NOUN
easat-6885	125	14	(	(	PUNCT
easat-6885	125	15	0.002668	0.002668	NUM
easat-6885	125	16	)	)	PUNCT
easat-6885	125	17	,	,	PUNCT
easat-6885	125	18	while	while	SCONJ
easat-6885	125	19	female	female	ADJ
easat-6885	125	20	user	user	NOUN
easat-6885	125	21	participation	participation	NOUN
easat-6885	125	22	possesses	possess	VERB
easat-6885	125	23	a	a	DET
easat-6885	125	24	significant	significant	ADJ
easat-6885	125	25	positive	positive	ADJ
easat-6885	125	26	impact	impact	NOUN
easat-6885	125	27	(	(	PUNCT
easat-6885	125	28	0.0033	0.0033	NUM
easat-6885	125	29	)	)	PUNCT
easat-6885	125	30	and	and	CCONJ
easat-6885	125	31	increases	increase	NOUN
easat-6885	125	32	by	by	ADP
easat-6885	125	33	0.054626	0.054626	NUM
easat-6885	125	34	.	.	PUNCT
easat-6885	126	1	4.2	4.2	NUM
easat-6885	126	2	.	.	PUNCT
easat-6885	127	1	heteroscedasticity	heteroscedasticity	NOUN
easat-6885	127	2	test	test	VERB
easat-6885	127	3	the	the	DET
easat-6885	127	4	regression	regression	NOUN
easat-6885	127	5	model	model	NOUN
easat-6885	127	6	assumes	assume	VERB
easat-6885	127	7	homoscedasticity	homoscedasticity	NOUN
easat-6885	127	8	(	(	PUNCT
easat-6885	127	9	constant	constant	ADJ
easat-6885	127	10	variance	variance	NOUN
easat-6885	127	11	of	of	ADP
easat-6885	127	12	residuals	residual	NOUN
easat-6885	127	13	)	)	PUNCT
easat-6885	127	14	.	.	PUNCT
easat-6885	128	1	the	the	DET
easat-6885	128	2	breuschpagan	breuschpagan	PROPN
easat-6885	128	3	-	-	PUNCT
easat-6885	128	4	godfrey	godfrey	PROPN
easat-6885	128	5	test	test	NOUN
easat-6885	128	6	was	be	AUX
easat-6885	128	7	used	use	VERB
easat-6885	128	8	to	to	PART
easat-6885	128	9	assess	assess	VERB
easat-6885	128	10	this	this	DET
easat-6885	128	11	assumption	assumption	NOUN
easat-6885	128	12	;	;	PUNCT
easat-6885	128	13	heteroscedasticity	heteroscedasticity	NOUN
easat-6885	128	14	is	be	AUX
easat-6885	128	15	indicated	indicate	VERB
easat-6885	128	16	by	by	ADP
easat-6885	128	17	a	a	DET
easat-6885	128	18	chi	chi	ADJ
easat-6885	128	19	-	-	PUNCT
easat-6885	128	20	square	square	ADJ
easat-6885	128	21	probability	probability	NOUN
easat-6885	128	22	value	value	NOUN
easat-6885	128	23	less	less	ADJ
easat-6885	128	24	than	than	ADP
easat-6885	128	25	0.05	0.05	NUM
easat-6885	128	26	.	.	PUNCT
easat-6885	129	1	table	table	NOUN
easat-6885	129	2	3	3	NUM
easat-6885	129	3	presents	present	VERB
easat-6885	129	4	the	the	DET
easat-6885	129	5	heteroscedasticity	heteroscedasticity	NOUN
easat-6885	129	6	test	test	NOUN
easat-6885	129	7	results	result	NOUN
easat-6885	129	8	.	.	PUNCT
easat-6885	130	1	all	all	DET
easat-6885	130	2	variables	variable	NOUN
easat-6885	130	3	exhibit	exhibit	VERB
easat-6885	130	4	probability	probability	NOUN
easat-6885	130	5	values	value	NOUN
easat-6885	130	6	greater	great	ADJ
easat-6885	130	7	than	than	ADP
easat-6885	130	8	0.05	0.05	NUM
easat-6885	130	9	,	,	PUNCT
easat-6885	130	10	indicating	indicate	VERB
easat-6885	130	11	that	that	SCONJ
easat-6885	130	12	they	they	PRON
easat-6885	130	13	pass	pass	VERB
easat-6885	130	14	the	the	DET
easat-6885	130	15	test	test	NOUN
easat-6885	130	16	.	.	PUNCT
easat-6885	131	1	specifically	specifically	ADV
easat-6885	131	2	,	,	PUNCT
easat-6885	131	3	the	the	DET
easat-6885	131	4	probability	probability	NOUN
easat-6885	131	5	values	value	NOUN
easat-6885	131	6	are	be	AUX
easat-6885	131	7	:	:	PUNCT
easat-6885	131	8	net	net	ADJ
easat-6885	131	9	interest	interest	NOUN
easat-6885	131	10	margin	margin	NOUN
easat-6885	131	11	=	=	NOUN
easat-6885	131	12	0.2176	0.2176	NUM
easat-6885	131	13	,	,	PUNCT
easat-6885	131	14	yield	yield	NOUN
easat-6885	131	15	on	on	ADP
easat-6885	131	16	earning	earn	VERB
easat-6885	131	17	assets=	assets=	NUM
easat-6885	131	18	0.7585	0.7585	NUM
easat-6885	131	19	,	,	PUNCT
easat-6885	131	20	return	return	NOUN
easat-6885	131	21	on	on	ADP
easat-6885	131	22	asset	asset	NOUN
easat-6885	131	23	=	=	SYM
easat-6885	131	24	0.4060	0.4060	NUM
easat-6885	131	25	,	,	PUNCT
easat-6885	131	26	return	return	VERB
easat-6885	131	27	on	on	ADP
easat-6885	131	28	equity=	equity=	NUM
easat-6885	131	29	0.8267	0.8267	NUM
easat-6885	131	30	,	,	PUNCT
easat-6885	131	31	capital	capital	NOUN
easat-6885	131	32	ratio=	ratio=	NUM
easat-6885	131	33	0.2509	0.2509	NUM
easat-6885	131	34	,	,	PUNCT
easat-6885	131	35	company	company	NOUN
easat-6885	131	36	scale=	scale=	NUM
easat-6885	131	37	0.5126	0.5126	NUM
easat-6885	131	38	,	,	PUNCT
easat-6885	131	39	cost	cost	NOUN
easat-6885	131	40	to	to	PART
easat-6885	131	41	income	income	VERB
easat-6885	131	42	ratio=	ratio=	NUM
easat-6885	131	43	0.5480	0.5480	NUM
easat-6885	131	44	,	,	PUNCT
easat-6885	131	45	interest	interest	NOUN
easat-6885	131	46	income	income	NOUN
easat-6885	131	47	share=	share=	NUM
easat-6885	131	48	0.3166	0.3166	NUM
easat-6885	131	49	,	,	PUNCT
easat-6885	131	50	gender	gender	NOUN
easat-6885	131	51	male	male	NOUN
easat-6885	131	52	=	=	SYM
easat-6885	131	53	0.3972	0.3972	NUM
easat-6885	131	54	,	,	PUNCT
easat-6885	131	55	and	and	CCONJ
easat-6885	131	56	gender	gender	NOUN
easat-6885	131	57	female	female	NOUN
easat-6885	131	58	=	=	NOUN
easat-6885	131	59	0.2697	0.2697	NUM
easat-6885	131	60	.	.	PUNCT
easat-6885	132	1	429	429	NUM
easat-6885	132	2	edelweiss	edelweiss	PROPN
easat-6885	132	3	applied	apply	VERB
easat-6885	132	4	science	science	NOUN
easat-6885	132	5	and	and	CCONJ
easat-6885	132	6	technology	technology	NOUN
easat-6885	132	7	issn	issn	PROPN
easat-6885	132	8	:	:	PUNCT
easat-6885	132	9	2576	2576	NUM
easat-6885	132	10	-	-	SYM
easat-6885	132	11	8484	8484	NUM
easat-6885	132	12	vol	vol	NOUN
easat-6885	132	13	.	.	PROPN
easat-6885	133	1	9	9	NUM
easat-6885	133	2	,	,	PUNCT
easat-6885	133	3	no	no	INTJ
easat-6885	133	4	.	.	NOUN
easat-6885	133	5	5	5	NUM
easat-6885	133	6	:	:	PUNCT
easat-6885	133	7	424	424	NUM
easat-6885	133	8	-	-	SYM
easat-6885	133	9	435	435	NUM
easat-6885	133	10	,	,	PUNCT
easat-6885	133	11	2025	2025	NUM
easat-6885	133	12	doi	doi	NOUN
easat-6885	133	13	:	:	PUNCT
easat-6885	133	14	10.55214/25768484.v9i5.6885	10.55214/25768484.v9i5.6885	NUM
easat-6885	133	15	©	©	NOUN
easat-6885	133	16	2025	2025	NUM
easat-6885	133	17	by	by	ADP
easat-6885	133	18	the	the	DET
easat-6885	133	19	authors	author	NOUN
easat-6885	133	20	;	;	PUNCT
easat-6885	134	1	licensee	licensee	PROPN
easat-6885	134	2	learning	learn	VERB
easat-6885	134	3	gate	gate	NOUN
easat-6885	134	4	table	table	NOUN
easat-6885	134	5	3	3	PROPN
easat-6885	134	6	.	.	PUNCT
easat-6885	135	1	heteroscedasticity	heteroscedasticity	NOUN
easat-6885	135	2	test	test	NOUN
easat-6885	135	3	results	result	VERB
easat-6885	135	4	variable	variable	ADJ
easat-6885	135	5	probability	probability	NOUN
easat-6885	135	6	results	result	NOUN
easat-6885	135	7	(	(	PUNCT
easat-6885	135	8	nim	nim	NOUN
easat-6885	135	9	)	)	PUNCT
easat-6885	135	10	0.2176	0.2176	NUM
easat-6885	135	11	ha	ha	NOUN
easat-6885	135	12	:	:	PUNCT
easat-6885	135	13	passes	pass	VERB
easat-6885	135	14	the	the	DET
easat-6885	135	15	heteroscedasticity	heteroscedasticity	NOUN
easat-6885	135	16	test	test	NOUN
easat-6885	135	17	(	(	PUNCT
easat-6885	135	18	yea	yea	PROPN
easat-6885	135	19	)	)	PUNCT
easat-6885	135	20	0.7585	0.7585	NUM
easat-6885	135	21	ha	ha	NOUN
easat-6885	135	22	:	:	PUNCT
easat-6885	135	23	passes	pass	VERB
easat-6885	135	24	the	the	DET
easat-6885	135	25	heteroscedasticity	heteroscedasticity	NOUN
easat-6885	135	26	test	test	NOUN
easat-6885	135	27	(	(	PUNCT
easat-6885	135	28	roa	roa	PROPN
easat-6885	135	29	)	)	PUNCT
easat-6885	135	30	0.4060	0.4060	NUM
easat-6885	135	31	ha	ha	NOUN
easat-6885	135	32	:	:	PUNCT
easat-6885	135	33	passes	pass	VERB
easat-6885	135	34	the	the	DET
easat-6885	135	35	heteroscedasticity	heteroscedasticity	NOUN
easat-6885	135	36	test	test	NOUN
easat-6885	135	37	(	(	PUNCT
easat-6885	135	38	roe	roe	PROPN
easat-6885	135	39	)	)	PUNCT
easat-6885	135	40	0.8267	0.8267	NUM
easat-6885	135	41	ha	ha	NOUN
easat-6885	135	42	:	:	PUNCT
easat-6885	135	43	passes	pass	VERB
easat-6885	135	44	the	the	DET
easat-6885	135	45	heteroscedasticity	heteroscedasticity	NOUN
easat-6885	135	46	test	test	NOUN
easat-6885	135	47	(	(	PUNCT
easat-6885	135	48	cap	cap	NOUN
easat-6885	135	49	)	)	PUNCT
easat-6885	135	50	0.2509	0.2509	NUM
easat-6885	135	51	ha	ha	INTJ
easat-6885	135	52	:	:	PUNCT
easat-6885	135	53	passes	pass	VERB
easat-6885	135	54	the	the	DET
easat-6885	135	55	heteroscedasticity	heteroscedasticity	NOUN
easat-6885	135	56	test	test	NOUN
easat-6885	135	57	(	(	PUNCT
easat-6885	135	58	size	size	NOUN
easat-6885	135	59	)	)	PUNCT
easat-6885	135	60	0.5126	0.5126	NUM
easat-6885	135	61	ha	ha	INTJ
easat-6885	135	62	:	:	PUNCT
easat-6885	135	63	passes	pass	VERB
easat-6885	135	64	the	the	DET
easat-6885	135	65	heteroscedasticity	heteroscedasticity	NOUN
easat-6885	135	66	test	test	NOUN
easat-6885	135	67	(	(	PUNCT
easat-6885	135	68	cti	cti	PROPN
easat-6885	135	69	)	)	PUNCT
easat-6885	135	70	0.5480	0.5480	NUM
easat-6885	135	71	ha	ha	INTJ
easat-6885	135	72	:	:	PUNCT
easat-6885	135	73	passes	pass	VERB
easat-6885	135	74	the	the	DET
easat-6885	135	75	heteroscedasticity	heteroscedasticity	NOUN
easat-6885	135	76	test	test	NOUN
easat-6885	135	77	(	(	PUNCT
easat-6885	135	78	iis	iis	PROPN
easat-6885	135	79	)	)	PUNCT
easat-6885	135	80	0.3166	0.3166	NUM
easat-6885	135	81	ha	ha	INTJ
easat-6885	135	82	:	:	PUNCT
easat-6885	135	83	passes	pass	VERB
easat-6885	135	84	the	the	DET
easat-6885	135	85	heteroscedasticity	heteroscedasticity	NOUN
easat-6885	135	86	test	test	NOUN
easat-6885	135	87	gender	gender	NOUN
easat-6885	135	88	male	male	NOUN
easat-6885	135	89	0.3972	0.3972	NUM
easat-6885	135	90	ha	ha	NOUN
easat-6885	135	91	:	:	PUNCT
easat-6885	135	92	passes	pass	VERB
easat-6885	135	93	the	the	DET
easat-6885	135	94	heteroscedasticity	heteroscedasticity	NOUN
easat-6885	135	95	test	test	NOUN
easat-6885	135	96	gender	gender	NOUN
easat-6885	135	97	female	female	NOUN
easat-6885	135	98	0.2697	0.2697	NUM
easat-6885	135	99	ha	ha	INTJ
easat-6885	135	100	:	:	PUNCT
easat-6885	135	101	passes	pass	VERB
easat-6885	135	102	the	the	DET
easat-6885	135	103	heteroscedasticity	heteroscedasticity	NOUN
easat-6885	135	104	test	test	NOUN
easat-6885	135	105	note	note	NOUN
easat-6885	135	106	:	:	PUNCT
easat-6885	135	107	*	*	PUNCT
easat-6885	135	108	prob	prob	PROPN
easat-6885	135	109	.	.	PUNCT
easat-6885	136	1	chi	chi	PROPN
easat-6885	136	2	square	square	PROPN
easat-6885	136	3	:	:	PUNCT
easat-6885	136	4	0.5286	0.5286	NUM
easat-6885	136	5	;	;	PUNCT
easat-6885	136	6	obs*r	obs*r	NOUN
easat-6885	136	7	-	-	PUNCT
easat-6885	136	8	squared	square	VERB
easat-6885	136	9	:	:	PUNCT
easat-6885	136	10	9.037077	9.037077	NUM
easat-6885	136	11	.	.	PUNCT
easat-6885	137	1	the	the	DET
easat-6885	137	2	overall	overall	ADJ
easat-6885	137	3	breusch	breusch	ADJ
easat-6885	137	4	-	-	PUNCT
easat-6885	137	5	pagan	pagan	ADJ
easat-6885	137	6	-	-	PUNCT
easat-6885	137	7	godfrey	godfrey	NOUN
easat-6885	137	8	test	test	NOUN
easat-6885	137	9	(	(	PUNCT
easat-6885	137	10	obs*r	obs*r	VERB
easat-6885	137	11	-	-	PUNCT
easat-6885	137	12	squared	square	VERB
easat-6885	137	13	=	=	PROPN
easat-6885	137	14	9.037077	9.037077	NUM
easat-6885	137	15	,	,	PUNCT
easat-6885	137	16	p	p	X
easat-6885	137	17	=	=	SYM
easat-6885	137	18	0.5286	0.5286	NUM
easat-6885	137	19	)	)	PUNCT
easat-6885	137	20	also	also	ADV
easat-6885	137	21	supports	support	VERB
easat-6885	137	22	the	the	DET
easat-6885	137	23	assumption	assumption	NOUN
easat-6885	137	24	of	of	ADP
easat-6885	137	25	homoscedasticity	homoscedasticity	NOUN
easat-6885	137	26	,	,	PUNCT
easat-6885	137	27	as	as	SCONJ
easat-6885	137	28	the	the	DET
easat-6885	137	29	probability	probability	NOUN
easat-6885	137	30	value	value	NOUN
easat-6885	137	31	exceeds	exceed	VERB
easat-6885	137	32	0.05	0.05	NUM
easat-6885	137	33	.	.	PUNCT
easat-6885	138	1	4.3	4.3	NUM
easat-6885	138	2	.	.	X
easat-6885	138	3	autocorrelation	autocorrelation	NOUN
easat-6885	138	4	test	test	NOUN
easat-6885	138	5	autocorrelation	autocorrelation	NOUN
easat-6885	138	6	testing	testing	NOUN
easat-6885	138	7	is	be	AUX
easat-6885	138	8	crucial	crucial	ADJ
easat-6885	138	9	for	for	ADP
easat-6885	138	10	time	time	NOUN
easat-6885	138	11	series	series	PROPN
easat-6885	138	12	data	data	VERB
easat-6885	138	13	analysis	analysis	NOUN
easat-6885	138	14	because	because	SCONJ
easat-6885	138	15	it	it	PRON
easat-6885	138	16	can	can	AUX
easat-6885	138	17	lead	lead	VERB
easat-6885	138	18	to	to	ADP
easat-6885	138	19	unstable	unstable	ADJ
easat-6885	138	20	models	model	NOUN
easat-6885	138	21	,	,	PUNCT
easat-6885	138	22	inaccurate	inaccurate	ADJ
easat-6885	138	23	hypothesis	hypothesis	NOUN
easat-6885	138	24	tests	test	NOUN
easat-6885	138	25	,	,	PUNCT
easat-6885	138	26	and	and	CCONJ
easat-6885	138	27	inefficient	inefficient	ADJ
easat-6885	138	28	estimates	estimate	NOUN
easat-6885	138	29	.	.	PUNCT
easat-6885	139	1	this	this	DET
easat-6885	139	2	study	study	NOUN
easat-6885	139	3	employs	employ	VERB
easat-6885	139	4	the	the	DET
easat-6885	139	5	durbin	durbin	ADJ
easat-6885	139	6	-	-	PUNCT
easat-6885	139	7	watson	watson	NOUN
easat-6885	139	8	test	test	NOUN
easat-6885	139	9	,	,	PUNCT
easat-6885	139	10	where	where	SCONJ
easat-6885	139	11	values	value	NOUN
easat-6885	139	12	between	between	ADP
easat-6885	139	13	-2	-2	NOUN
easat-6885	140	1	and	and	CCONJ
easat-6885	140	2	+2	+2	PROPN
easat-6885	140	3	indicate	indicate	VERB
easat-6885	140	4	the	the	DET
easat-6885	140	5	absence	absence	NOUN
easat-6885	140	6	of	of	ADP
easat-6885	140	7	autocorrelation	autocorrelation	NOUN
easat-6885	140	8	.	.	PUNCT
easat-6885	141	1	table	table	NOUN
easat-6885	141	2	4	4	NUM
easat-6885	141	3	.	.	X
easat-6885	141	4	autocorrelation	autocorrelation	NOUN
easat-6885	141	5	test	test	NOUN
easat-6885	141	6	results	result	NOUN
easat-6885	141	7	.	.	PUNCT
easat-6885	142	1	durbin	durbin	ADJ
easat-6885	142	2	-	-	PUNCT
easat-6885	142	3	watsons	watson	NOUN
easat-6885	142	4	1.576921	1.576921	NUM
easat-6885	142	5	ha	ha	NOUN
easat-6885	142	6	:	:	PUNCT
easat-6885	142	7	passes	pass	VERB
easat-6885	142	8	the	the	DET
easat-6885	142	9	autocorrelation	autocorrelation	NOUN
easat-6885	142	10	test	test	NOUN
easat-6885	142	11	table	table	NOUN
easat-6885	142	12	4	4	NUM
easat-6885	142	13	demonstrates	demonstrate	VERB
easat-6885	142	14	a	a	DET
easat-6885	142	15	durbin	durbin	ADJ
easat-6885	142	16	-	-	PUNCT
easat-6885	142	17	watson	watson	NOUN
easat-6885	142	18	value	value	NOUN
easat-6885	142	19	of	of	ADP
easat-6885	142	20	1.576921	1.576921	NUM
easat-6885	142	21	,	,	PUNCT
easat-6885	142	22	falling	fall	VERB
easat-6885	142	23	within	within	ADP
easat-6885	142	24	the	the	DET
easat-6885	142	25	acceptable	acceptable	ADJ
easat-6885	142	26	range	range	NOUN
easat-6885	142	27	of	of	ADP
easat-6885	142	28	-2	-2	NOUN
easat-6885	142	29	to	to	ADP
easat-6885	142	30	+2	+2	PROPN
easat-6885	142	31	.	.	PUNCT
easat-6885	143	1	therefore	therefore	ADV
easat-6885	143	2	,	,	PUNCT
easat-6885	143	3	the	the	DET
easat-6885	143	4	regression	regression	NOUN
easat-6885	143	5	model	model	NOUN
easat-6885	143	6	does	do	AUX
easat-6885	143	7	not	not	PART
easat-6885	143	8	exhibit	exhibit	VERB
easat-6885	143	9	autocorrelation	autocorrelation	NOUN
easat-6885	143	10	.	.	PUNCT
easat-6885	144	1	4.4	4.4	NUM
easat-6885	144	2	.	.	PUNCT
easat-6885	145	1	multicollinearity	multicollinearity	NOUN
easat-6885	145	2	test	test	NOUN
easat-6885	145	3	a	a	DET
easat-6885	145	4	multicollinearity	multicollinearity	NOUN
easat-6885	145	5	test	test	NOUN
easat-6885	145	6	assesses	assess	VERB
easat-6885	145	7	the	the	DET
easat-6885	145	8	relationship	relationship	NOUN
easat-6885	145	9	between	between	ADP
easat-6885	145	10	independent	independent	ADJ
easat-6885	145	11	variables	variable	NOUN
easat-6885	145	12	in	in	ADP
easat-6885	145	13	a	a	DET
easat-6885	145	14	model	model	NOUN
easat-6885	145	15	.	.	PUNCT
easat-6885	146	1	a	a	DET
easat-6885	146	2	wellspecified	wellspecified	ADJ
easat-6885	146	3	model	model	NOUN
easat-6885	146	4	exhibits	exhibit	VERB
easat-6885	146	5	minimal	minimal	ADJ
easat-6885	146	6	correlation	correlation	NOUN
easat-6885	146	7	among	among	ADP
easat-6885	146	8	these	these	DET
easat-6885	146	9	variables	variable	NOUN
easat-6885	146	10	.	.	PUNCT
easat-6885	147	1	the	the	DET
easat-6885	147	2	test	test	NOUN
easat-6885	147	3	passes	pass	VERB
easat-6885	147	4	if	if	SCONJ
easat-6885	147	5	the	the	DET
easat-6885	147	6	centered	center	VERB
easat-6885	147	7	variance	variance	NOUN
easat-6885	147	8	inflation	inflation	NOUN
easat-6885	147	9	factor	factor	NOUN
easat-6885	147	10	(	(	PUNCT
easat-6885	147	11	vif	vif	PROPN
easat-6885	147	12	)	)	PUNCT
easat-6885	147	13	for	for	ADP
easat-6885	147	14	each	each	DET
easat-6885	147	15	independent	independent	ADJ
easat-6885	147	16	variable	variable	NOUN
easat-6885	147	17	is	be	AUX
easat-6885	147	18	below	below	ADP
easat-6885	147	19	10.00	10.00	NUM
easat-6885	147	20	.	.	PUNCT
easat-6885	148	1	table	table	NOUN
easat-6885	148	2	5	5	NUM
easat-6885	148	3	.	.	PUNCT
easat-6885	149	1	multicollinearity	multicollinearity	NOUN
easat-6885	149	2	test	test	NOUN
easat-6885	149	3	results	result	NOUN
easat-6885	149	4	.	.	PUNCT
easat-6885	150	1	variable	variable	ADJ
easat-6885	150	2	vif	vif	PROPN
easat-6885	150	3	results	result	NOUN
easat-6885	150	4	(	(	PUNCT
easat-6885	150	5	nim	nim	NOUN
easat-6885	150	6	)	)	PUNCT
easat-6885	150	7	6.085276	6.085276	NUM
easat-6885	150	8	ha	ha	INTJ
easat-6885	150	9	:	:	PUNCT
easat-6885	150	10	passes	pass	VERB
easat-6885	150	11	the	the	DET
easat-6885	150	12	multicollinearity	multicollinearity	NOUN
easat-6885	150	13	test	test	NOUN
easat-6885	150	14	(	(	PUNCT
easat-6885	150	15	yea	yea	PROPN
easat-6885	150	16	)	)	PUNCT
easat-6885	150	17	6.681721	6.681721	NUM
easat-6885	150	18	ha	ha	NOUN
easat-6885	150	19	:	:	PUNCT
easat-6885	150	20	passes	pass	VERB
easat-6885	150	21	the	the	DET
easat-6885	150	22	multicollinearity	multicollinearity	NOUN
easat-6885	150	23	test	test	NOUN
easat-6885	150	24	(	(	PUNCT
easat-6885	150	25	roa	roa	PROPN
easat-6885	150	26	)	)	PUNCT
easat-6885	150	27	4.319869	4.319869	NUM
easat-6885	150	28	ha	ha	INTJ
easat-6885	150	29	:	:	PUNCT
easat-6885	150	30	passes	pass	VERB
easat-6885	150	31	the	the	DET
easat-6885	150	32	multicollinearity	multicollinearity	NOUN
easat-6885	150	33	test	test	NOUN
easat-6885	150	34	(	(	PUNCT
easat-6885	150	35	roe	roe	NOUN
easat-6885	150	36	)	)	PUNCT
easat-6885	150	37	3.901309	3.901309	NUM
easat-6885	150	38	ha	ha	NOUN
easat-6885	150	39	:	:	PUNCT
easat-6885	150	40	passes	pass	VERB
easat-6885	150	41	the	the	DET
easat-6885	150	42	multicollinearity	multicollinearity	NOUN
easat-6885	150	43	test	test	NOUN
easat-6885	150	44	(	(	PUNCT
easat-6885	150	45	cap	cap	NOUN
easat-6885	150	46	)	)	PUNCT
easat-6885	150	47	8.418761	8.418761	NUM
easat-6885	150	48	ha	ha	NOUN
easat-6885	150	49	:	:	PUNCT
easat-6885	150	50	passes	pass	VERB
easat-6885	150	51	the	the	DET
easat-6885	150	52	multicollinearity	multicollinearity	NOUN
easat-6885	150	53	test	test	NOUN
easat-6885	150	54	(	(	PUNCT
easat-6885	150	55	size	size	NOUN
easat-6885	150	56	)	)	PUNCT
easat-6885	150	57	8.885770	8.885770	NUM
easat-6885	150	58	ha	ha	INTJ
easat-6885	150	59	:	:	PUNCT
easat-6885	150	60	passes	pass	VERB
easat-6885	150	61	the	the	DET
easat-6885	150	62	multicollinearity	multicollinearity	NOUN
easat-6885	150	63	test	test	NOUN
easat-6885	150	64	(	(	PUNCT
easat-6885	150	65	cti	cti	PROPN
easat-6885	150	66	)	)	PUNCT
easat-6885	150	67	5.020620	5.020620	NUM
easat-6885	150	68	ha	ha	NOUN
easat-6885	150	69	:	:	PUNCT
easat-6885	150	70	passes	pass	VERB
easat-6885	150	71	the	the	DET
easat-6885	150	72	multicollinearity	multicollinearity	NOUN
easat-6885	150	73	test	test	NOUN
easat-6885	150	74	(	(	PUNCT
easat-6885	150	75	iis	iis	PROPN
easat-6885	150	76	)	)	PUNCT
easat-6885	150	77	4.767616	4.767616	NUM
easat-6885	150	78	ha	ha	NOUN
easat-6885	150	79	:	:	PUNCT
easat-6885	150	80	passes	pass	VERB
easat-6885	150	81	the	the	DET
easat-6885	150	82	multicollinearity	multicollinearity	NOUN
easat-6885	150	83	test	test	NOUN
easat-6885	150	84	gender	gender	NOUN
easat-6885	150	85	male	male	NOUN
easat-6885	150	86	5.568773	5.568773	NUM
easat-6885	150	87	ha	ha	INTJ
easat-6885	150	88	:	:	PUNCT
easat-6885	150	89	passes	pass	VERB
easat-6885	150	90	the	the	DET
easat-6885	150	91	multicollinearity	multicollinearity	NOUN
easat-6885	150	92	test	test	NOUN
easat-6885	150	93	gender	gender	NOUN
easat-6885	150	94	female	female	NOUN
easat-6885	150	95	8.711470	8.711470	NUM
easat-6885	150	96	ha	ha	NOUN
easat-6885	150	97	:	:	PUNCT
easat-6885	150	98	passes	pass	VERB
easat-6885	150	99	the	the	DET
easat-6885	150	100	multicollinearity	multicollinearity	NOUN
easat-6885	150	101	test	test	NOUN
easat-6885	150	102	table	table	NOUN
easat-6885	150	103	5	5	NUM
easat-6885	150	104	presents	present	VERB
easat-6885	150	105	the	the	DET
easat-6885	150	106	multicollinearity	multicollinearity	NOUN
easat-6885	150	107	test	test	NOUN
easat-6885	150	108	results	result	NOUN
easat-6885	150	109	.	.	PUNCT
easat-6885	151	1	all	all	DET
easat-6885	151	2	independent	independent	ADJ
easat-6885	151	3	variables	variable	NOUN
easat-6885	151	4	have	have	VERB
easat-6885	151	5	vif	vif	NOUN
easat-6885	151	6	values	value	NOUN
easat-6885	151	7	less	less	ADJ
easat-6885	151	8	than	than	ADP
easat-6885	151	9	10.00	10.00	NUM
easat-6885	151	10	,	,	PUNCT
easat-6885	151	11	indicating	indicate	VERB
easat-6885	151	12	that	that	SCONJ
easat-6885	151	13	multicollinearity	multicollinearity	NOUN
easat-6885	151	14	is	be	AUX
easat-6885	151	15	not	not	PART
easat-6885	151	16	a	a	DET
easat-6885	151	17	concern	concern	NOUN
easat-6885	151	18	.	.	PUNCT
easat-6885	152	1	the	the	DET
easat-6885	152	2	vif	vif	PROPN
easat-6885	152	3	values	value	NOUN
easat-6885	152	4	range	range	VERB
easat-6885	152	5	from	from	ADP
easat-6885	152	6	3.90	3.90	NUM
easat-6885	152	7	to	to	ADP
easat-6885	152	8	8.89	8.89	NUM
easat-6885	152	9	.	.	PUNCT
easat-6885	153	1	430	430	NUM
easat-6885	153	2	edelweiss	edelweiss	PROPN
easat-6885	153	3	applied	apply	VERB
easat-6885	153	4	science	science	NOUN
easat-6885	153	5	and	and	CCONJ
easat-6885	153	6	technology	technology	NOUN
easat-6885	153	7	issn	issn	PROPN
easat-6885	153	8	:	:	PUNCT
easat-6885	153	9	2576	2576	NUM
easat-6885	153	10	-	-	SYM
easat-6885	153	11	8484	8484	NUM
easat-6885	153	12	vol	vol	NOUN
easat-6885	153	13	.	.	PROPN
easat-6885	154	1	9	9	NUM
easat-6885	154	2	,	,	PUNCT
easat-6885	154	3	no	no	INTJ
easat-6885	154	4	.	.	NOUN
easat-6885	154	5	5	5	NUM
easat-6885	154	6	:	:	PUNCT
easat-6885	154	7	424	424	NUM
easat-6885	154	8	-	-	SYM
easat-6885	154	9	435	435	NUM
easat-6885	154	10	,	,	PUNCT
easat-6885	154	11	2025	2025	NUM
easat-6885	154	12	doi	doi	NOUN
easat-6885	154	13	:	:	PUNCT
easat-6885	154	14	10.55214/25768484.v9i5.6885	10.55214/25768484.v9i5.6885	NUM
easat-6885	154	15	©	©	NOUN
easat-6885	154	16	2025	2025	NUM
easat-6885	154	17	by	by	ADP
easat-6885	154	18	the	the	DET
easat-6885	154	19	authors	author	NOUN
easat-6885	154	20	;	;	PUNCT
easat-6885	154	21	licensee	licensee	PROPN
easat-6885	154	22	learning	learning	NOUN
easat-6885	154	23	gate	gate	VERB
easat-6885	154	24	4.5	4.5	NUM
easat-6885	154	25	.	.	PUNCT
easat-6885	155	1	normality	normality	NOUN
easat-6885	155	2	test	test	NOUN
easat-6885	155	3	the	the	DET
easat-6885	155	4	normality	normality	NOUN
easat-6885	155	5	test	test	NOUN
easat-6885	155	6	is	be	AUX
easat-6885	155	7	conducted	conduct	VERB
easat-6885	155	8	to	to	PART
easat-6885	155	9	determine	determine	VERB
easat-6885	155	10	whether	whether	SCONJ
easat-6885	155	11	both	both	CCONJ
easat-6885	155	12	the	the	DET
easat-6885	155	13	dependent	dependent	ADJ
easat-6885	155	14	and	and	CCONJ
easat-6885	155	15	independent	independent	ADJ
easat-6885	155	16	variables	variable	NOUN
easat-6885	155	17	used	use	VERB
easat-6885	155	18	in	in	ADP
easat-6885	155	19	the	the	DET
easat-6885	155	20	model	model	NOUN
easat-6885	155	21	are	be	AUX
easat-6885	155	22	normally	normally	ADV
easat-6885	155	23	distributed	distribute	VERB
easat-6885	155	24	.	.	PUNCT
easat-6885	156	1	a	a	DET
easat-6885	156	2	normal	normal	ADJ
easat-6885	156	3	distribution	distribution	NOUN
easat-6885	156	4	is	be	AUX
easat-6885	156	5	characterized	characterize	VERB
easat-6885	156	6	by	by	ADP
easat-6885	156	7	data	datum	NOUN
easat-6885	156	8	clustering	cluster	VERB
easat-6885	156	9	around	around	ADP
easat-6885	156	10	the	the	DET
easat-6885	156	11	average	average	ADJ
easat-6885	156	12	value	value	NOUN
easat-6885	156	13	.	.	PUNCT
easat-6885	157	1	in	in	ADP
easat-6885	157	2	this	this	DET
easat-6885	157	3	study	study	NOUN
easat-6885	157	4	,	,	PUNCT
easat-6885	157	5	this	this	DET
easat-6885	157	6	study	study	NOUN
easat-6885	157	7	employed	employ	VERB
easat-6885	157	8	the	the	DET
easat-6885	157	9	jarque	jarque	NOUN
easat-6885	157	10	-	-	PUNCT
easat-6885	157	11	bera	bera	NOUN
easat-6885	157	12	test	test	NOUN
easat-6885	157	13	was	be	AUX
easat-6885	157	14	employed	employ	VERB
easat-6885	157	15	;	;	PUNCT
easat-6885	157	16	if	if	SCONJ
easat-6885	157	17	the	the	DET
easat-6885	157	18	resulting	result	VERB
easat-6885	157	19	value	value	NOUN
easat-6885	157	20	is	be	AUX
easat-6885	157	21	less	less	ADJ
easat-6885	157	22	than	than	ADP
easat-6885	157	23	5	5	NUM
easat-6885	157	24	%	%	NOUN
easat-6885	157	25	,	,	PUNCT
easat-6885	157	26	it	it	PRON
easat-6885	157	27	indicates	indicate	VERB
easat-6885	157	28	that	that	SCONJ
easat-6885	157	29	the	the	DET
easat-6885	157	30	data	data	NOUN
easat-6885	157	31	is	be	AUX
easat-6885	157	32	not	not	PART
easat-6885	157	33	normally	normally	ADV
easat-6885	157	34	distributed	distribute	VERB
easat-6885	157	35	.	.	PUNCT
easat-6885	158	1	the	the	DET
easat-6885	158	2	results	result	NOUN
easat-6885	158	3	of	of	ADP
easat-6885	158	4	the	the	DET
easat-6885	158	5	normality	normality	NOUN
easat-6885	158	6	test	test	NOUN
easat-6885	158	7	show	show	VERB
easat-6885	158	8	a	a	DET
easat-6885	158	9	value	value	NOUN
easat-6885	158	10	jarque	jarque	NOUN
easat-6885	158	11	-	-	PUNCT
easat-6885	158	12	bera	bera	NOUN
easat-6885	158	13	test	test	NOUN
easat-6885	158	14	of	of	ADP
easat-6885	158	15	0.322	0.322	NUM
easat-6885	158	16	,	,	PUNCT
easat-6885	158	17	which	which	PRON
easat-6885	158	18	suggests	suggest	VERB
easat-6885	158	19	that	that	SCONJ
easat-6885	158	20	the	the	DET
easat-6885	158	21	data	data	NOUN
easat-6885	158	22	is	be	AUX
easat-6885	158	23	normally	normally	ADV
easat-6885	158	24	distributed	distribute	VERB
easat-6885	158	25	since	since	SCONJ
easat-6885	158	26	it	it	PRON
easat-6885	158	27	is	be	AUX
easat-6885	158	28	greater	great	ADJ
easat-6885	158	29	than	than	ADP
easat-6885	158	30	5	5	NUM
easat-6885	158	31	%	%	NOUN
easat-6885	158	32	(	(	PUNCT
easat-6885	158	33	0.05	0.05	NUM
easat-6885	158	34	)	)	PUNCT
easat-6885	158	35	.	.	PUNCT
easat-6885	159	1	4.6	4.6	NUM
easat-6885	159	2	.	.	PUNCT
easat-6885	159	3	partial	partial	ADJ
easat-6885	159	4	hypothesis	hypothesis	NOUN
easat-6885	159	5	test	test	NOUN
easat-6885	159	6	partial	partial	ADJ
easat-6885	159	7	tests	test	NOUN
easat-6885	159	8	are	be	AUX
easat-6885	159	9	carried	carry	VERB
easat-6885	159	10	out	out	ADP
easat-6885	159	11	to	to	PART
easat-6885	159	12	test	test	VERB
easat-6885	159	13	the	the	DET
easat-6885	159	14	hypothesis	hypothesis	NOUN
easat-6885	159	15	of	of	ADP
easat-6885	159	16	the	the	DET
easat-6885	159	17	independent	independent	ADJ
easat-6885	159	18	variables	variable	NOUN
easat-6885	159	19	individually	individually	ADV
easat-6885	159	20	on	on	ADP
easat-6885	159	21	the	the	DET
easat-6885	159	22	dependent	dependent	ADJ
easat-6885	159	23	variable	variable	NOUN
easat-6885	159	24	.	.	PUNCT
easat-6885	160	1	this	this	DET
easat-6885	160	2	test	test	NOUN
easat-6885	160	3	needs	need	VERB
easat-6885	160	4	to	to	PART
easat-6885	160	5	be	be	AUX
easat-6885	160	6	done	do	VERB
easat-6885	160	7	because	because	SCONJ
easat-6885	160	8	each	each	DET
easat-6885	160	9	independent	independent	ADJ
easat-6885	160	10	variable	variable	NOUN
easat-6885	160	11	possesses	possess	VERB
easat-6885	160	12	a	a	DET
easat-6885	160	13	different	different	ADJ
easat-6885	160	14	effect	effect	NOUN
easat-6885	160	15	on	on	ADP
easat-6885	160	16	the	the	DET
easat-6885	160	17	dependent	dependent	ADJ
easat-6885	160	18	variable	variable	NOUN
easat-6885	160	19	used	use	VERB
easat-6885	160	20	in	in	ADP
easat-6885	160	21	the	the	DET
easat-6885	160	22	study	study	NOUN
easat-6885	160	23	.	.	PUNCT
easat-6885	161	1	the	the	DET
easat-6885	161	2	hypothesis	hypothesis	NOUN
easat-6885	161	3	is	be	AUX
easat-6885	161	4	accepted	accept	VERB
easat-6885	161	5	if	if	SCONJ
easat-6885	161	6	the	the	DET
easat-6885	161	7	p	p	NOUN
easat-6885	161	8	-	-	PUNCT
easat-6885	161	9	value	value	NOUN
easat-6885	161	10	is	be	AUX
easat-6885	161	11	less	less	ADJ
easat-6885	161	12	than	than	ADP
easat-6885	161	13	5	5	NUM
easat-6885	161	14	%	%	NOUN
easat-6885	161	15	or	or	CCONJ
easat-6885	161	16	0.05	0.05	NUM
easat-6885	161	17	.	.	PUNCT
easat-6885	161	18	table	table	NOUN
easat-6885	161	19	6	6	NUM
easat-6885	161	20	.	.	PUNCT
easat-6885	161	21	partial	partial	ADJ
easat-6885	161	22	test	test	NOUN
easat-6885	161	23	results	result	NOUN
easat-6885	161	24	.	.	PUNCT
easat-6885	162	1	hypothesis	hypothesis	NOUN
easat-6885	162	2	prob	prob	PROPN
easat-6885	162	3	.	.	PUNCT
easat-6885	163	1	results	results	PROPN
easat-6885	163	2	h1	h1	PROPN
easat-6885	163	3	:	:	PUNCT
easat-6885	163	4	nim	nim	PROPN
easat-6885	163	5	gdp	gdp	PROPN
easat-6885	163	6	0.0139	0.0139	NUM
easat-6885	163	7	accepted	accepted	ADJ
easat-6885	163	8	h2	h2	NOUN
easat-6885	163	9	:	:	PUNCT
easat-6885	163	10	yea	yea	PROPN
easat-6885	163	11	gdp	gdp	PROPN
easat-6885	163	12	0.2688	0.2688	NUM
easat-6885	163	13	rejected	reject	VERB
easat-6885	163	14	h3	h3	NOUN
easat-6885	163	15	:	:	PUNCT
easat-6885	163	16	roa	roa	PROPN
easat-6885	163	17	gdp	gdp	PROPN
easat-6885	163	18	0.8331	0.8331	NUM
easat-6885	163	19	rejected	reject	VERB
easat-6885	163	20	h4	h4	NOUN
easat-6885	163	21	:	:	PUNCT
easat-6885	163	22	roe	roe	PROPN
easat-6885	163	23	gdp	gdp	PROPN
easat-6885	163	24	0.5593	0.5593	NUM
easat-6885	163	25	rejected	reject	VERB
easat-6885	163	26	h5	h5	NOUN
easat-6885	163	27	:	:	PUNCT
easat-6885	163	28	capgdp	capgdp	PROPN
easat-6885	163	29	0.3050	0.3050	PROPN
easat-6885	163	30	rejected	reject	VERB
easat-6885	163	31	h6	h6	PROPN
easat-6885	163	32	:	:	PUNCT
easat-6885	163	33	size	size	NOUN
easat-6885	163	34	gdp	gdp	NOUN
easat-6885	163	35	0.0443	0.0443	NUM
easat-6885	163	36	accepted	accept	VERB
easat-6885	163	37	h7	h7	PROPN
easat-6885	163	38	:	:	PUNCT
easat-6885	163	39	cti	cti	PROPN
easat-6885	163	40	gdp	gdp	PROPN
easat-6885	163	41	0.8312	0.8312	PROPN
easat-6885	163	42	rejected	reject	VERB
easat-6885	163	43	h8	h8	PROPN
easat-6885	163	44	:	:	PUNCT
easat-6885	163	45	iis	iis	PROPN
easat-6885	163	46	gdp	gdp	PROPN
easat-6885	163	47	0.0385	0.0385	NUM
easat-6885	163	48	accepted	accept	VERB
easat-6885	163	49	h9a	h9a	NOUN
easat-6885	163	50	:	:	PUNCT
easat-6885	163	51	male	male	ADJ
easat-6885	163	52	gender	gender	NOUN
easat-6885	163	53	gdp	gdp	NOUN
easat-6885	163	54	0.8579	0.8579	NUM
easat-6885	163	55	rejected	reject	VERB
easat-6885	163	56	h9b	h9b	NOUN
easat-6885	163	57	:	:	PUNCT
easat-6885	163	58	female	female	ADJ
easat-6885	163	59	gender	gender	NOUN
easat-6885	163	60	gdp	gdp	NOUN
easat-6885	163	61	0.0033	0.0033	NUM
easat-6885	163	62	accepted	accept	VERB
easat-6885	163	63	based	base	VERB
easat-6885	163	64	on	on	ADP
easat-6885	163	65	table	table	NOUN
easat-6885	163	66	6	6	NUM
easat-6885	163	67	,	,	PUNCT
easat-6885	163	68	partial	partial	ADJ
easat-6885	163	69	test	test	NOUN
easat-6885	163	70	results	result	NOUN
easat-6885	163	71	,	,	PUNCT
easat-6885	163	72	there	there	PRON
easat-6885	163	73	are	be	VERB
easat-6885	163	74	four	four	NUM
easat-6885	163	75	accepted	accepted	ADJ
easat-6885	163	76	hypotheses	hypothesis	NOUN
easat-6885	163	77	,	,	PUNCT
easat-6885	163	78	namely	namely	ADV
easat-6885	163	79	net	net	ADJ
easat-6885	163	80	interest	interest	NOUN
easat-6885	163	81	margin	margin	NOUN
easat-6885	163	82	(	(	PUNCT
easat-6885	163	83	nim	nim	NOUN
easat-6885	163	84	)	)	PUNCT
easat-6885	163	85	with	with	ADP
easat-6885	163	86	a	a	DET
easat-6885	163	87	probability	probability	NOUN
easat-6885	163	88	of	of	ADP
easat-6885	163	89	0.0139	0.0139	NUM
easat-6885	163	90	,	,	PUNCT
easat-6885	163	91	company	company	NOUN
easat-6885	163	92	scale	scale	NOUN
easat-6885	163	93	(	(	PUNCT
easat-6885	163	94	size	size	NOUN
easat-6885	163	95	)	)	PUNCT
easat-6885	163	96	of	of	ADP
easat-6885	163	97	0.0443	0.0443	NUM
easat-6885	163	98	,	,	PUNCT
easat-6885	163	99	interest	interest	NOUN
easat-6885	163	100	income	income	NOUN
easat-6885	163	101	share	share	NOUN
easat-6885	163	102	(	(	PUNCT
easat-6885	163	103	iis	iis	PROPN
easat-6885	163	104	)	)	PUNCT
easat-6885	163	105	of	of	ADP
easat-6885	163	106	0.0385	0.0385	NUM
easat-6885	163	107	,	,	PUNCT
easat-6885	163	108	and	and	CCONJ
easat-6885	163	109	female	female	ADJ
easat-6885	163	110	user	user	NOUN
easat-6885	163	111	participation	participation	NOUN
easat-6885	163	112	of	of	ADP
easat-6885	163	113	0.0033	0.0033	NUM
easat-6885	163	114	.	.	PUNCT
easat-6885	164	1	the	the	DET
easat-6885	164	2	six	six	NUM
easat-6885	164	3	rejected	reject	VERB
easat-6885	164	4	hypotheses	hypothesis	NOUN
easat-6885	164	5	are	be	AUX
easat-6885	164	6	yield	yield	NOUN
easat-6885	164	7	on	on	ADP
easat-6885	164	8	earning	earn	VERB
easat-6885	164	9	assets	asset	NOUN
easat-6885	164	10	(	(	PUNCT
easat-6885	164	11	yea	yea	NOUN
easat-6885	164	12	)	)	PUNCT
easat-6885	164	13	with	with	ADP
easat-6885	164	14	a	a	DET
easat-6885	164	15	probability	probability	NOUN
easat-6885	164	16	of	of	ADP
easat-6885	164	17	0.2688	0.2688	NUM
easat-6885	164	18	,	,	PUNCT
easat-6885	164	19	return	return	NOUN
easat-6885	164	20	on	on	ADP
easat-6885	164	21	assets	asset	NOUN
easat-6885	164	22	(	(	PUNCT
easat-6885	164	23	roa	roa	NOUN
easat-6885	164	24	)	)	PUNCT
easat-6885	164	25	of	of	ADP
easat-6885	164	26	0.8331	0.8331	NUM
easat-6885	164	27	,	,	PUNCT
easat-6885	164	28	return	return	NOUN
easat-6885	164	29	on	on	ADP
easat-6885	164	30	equity	equity	NOUN
easat-6885	164	31	(	(	PUNCT
easat-6885	164	32	roe	roe	NOUN
easat-6885	164	33	)	)	PUNCT
easat-6885	164	34	of	of	ADP
easat-6885	164	35	0.5593	0.5593	NUM
easat-6885	164	36	,	,	PUNCT
easat-6885	164	37	capital	capital	NOUN
easat-6885	164	38	ratio	ratio	NOUN
easat-6885	164	39	(	(	PUNCT
easat-6885	164	40	cap	cap	NOUN
easat-6885	164	41	)	)	PUNCT
easat-6885	164	42	of	of	ADP
easat-6885	164	43	0.3050	0.3050	NUM
easat-6885	164	44	,	,	PUNCT
easat-6885	164	45	cost	cost	VERB
easat-6885	164	46	to	to	PART
easat-6885	164	47	income	income	NOUN
easat-6885	164	48	ratio	ratio	NOUN
easat-6885	164	49	(	(	PUNCT
easat-6885	164	50	cti	cti	PROPN
easat-6885	164	51	)	)	PUNCT
easat-6885	164	52	of	of	ADP
easat-6885	164	53	0.8312	0.8312	NUM
easat-6885	164	54	and	and	CCONJ
easat-6885	164	55	male	male	ADJ
easat-6885	164	56	user	user	NOUN
easat-6885	164	57	participation	participation	NOUN
easat-6885	164	58	of	of	ADP
easat-6885	164	59	0.8579	0.8579	NUM
easat-6885	164	60	.	.	PUNCT
easat-6885	165	1	4.7	4.7	NUM
easat-6885	165	2	.	.	PUNCT
easat-6885	166	1	simultaneous	simultaneous	ADJ
easat-6885	166	2	hypothesis	hypothesis	NOUN
easat-6885	166	3	test	test	NOUN
easat-6885	166	4	the	the	DET
easat-6885	166	5	simultaneous	simultaneous	ADJ
easat-6885	166	6	test	test	NOUN
easat-6885	166	7	assesses	assess	VERB
easat-6885	166	8	the	the	DET
easat-6885	166	9	combined	combine	VERB
easat-6885	166	10	impact	impact	NOUN
easat-6885	166	11	of	of	ADP
easat-6885	166	12	independent	independent	ADJ
easat-6885	166	13	variables	variable	NOUN
easat-6885	166	14	on	on	ADP
easat-6885	166	15	the	the	DET
easat-6885	166	16	dependent	dependent	ADJ
easat-6885	166	17	variable	variable	NOUN
easat-6885	166	18	.	.	PUNCT
easat-6885	167	1	a	a	DET
easat-6885	167	2	significant	significant	ADJ
easat-6885	167	3	result	result	NOUN
easat-6885	167	4	,	,	PUNCT
easat-6885	167	5	indicated	indicate	VERB
easat-6885	167	6	by	by	ADP
easat-6885	167	7	a	a	DET
easat-6885	167	8	probability	probability	NOUN
easat-6885	167	9	value	value	NOUN
easat-6885	167	10	below	below	ADP
easat-6885	167	11	0.05	0.05	NUM
easat-6885	167	12	,	,	PUNCT
easat-6885	167	13	suggests	suggest	VERB
easat-6885	167	14	that	that	SCONJ
easat-6885	167	15	the	the	DET
easat-6885	167	16	independent	independent	ADJ
easat-6885	167	17	variables	variable	NOUN
easat-6885	167	18	collectively	collectively	ADV
easat-6885	167	19	influence	influence	VERB
easat-6885	167	20	the	the	DET
easat-6885	167	21	dependent	dependent	ADJ
easat-6885	167	22	variable	variable	NOUN
easat-6885	167	23	.	.	PUNCT
easat-6885	168	1	table	table	NOUN
easat-6885	168	2	7	7	NUM
easat-6885	168	3	presents	present	VERB
easat-6885	168	4	the	the	DET
easat-6885	168	5	results	result	NOUN
easat-6885	168	6	of	of	ADP
easat-6885	168	7	the	the	DET
easat-6885	168	8	simultaneous	simultaneous	ADJ
easat-6885	168	9	test	test	NOUN
easat-6885	168	10	:	:	PUNCT
easat-6885	168	11	table	table	NOUN
easat-6885	168	12	7	7	NUM
easat-6885	168	13	.	.	PUNCT
easat-6885	168	14	simultaneous	simultaneous	ADJ
easat-6885	168	15	test	test	NOUN
easat-6885	168	16	results	result	NOUN
easat-6885	168	17	.	.	PUNCT
easat-6885	169	1	simultaneous	simultaneous	ADJ
easat-6885	169	2	test	test	NOUN
easat-6885	169	3	probability	probability	NOUN
easat-6885	169	4	results	result	VERB
easat-6885	169	5	f	f	NOUN
easat-6885	169	6	-	-	PUNCT
easat-6885	169	7	statisticts	statistict	VERB
easat-6885	169	8	0.000000	0.000000	NUM
easat-6885	169	9	h10	h10	NOUN
easat-6885	169	10	:	:	PUNCT
easat-6885	169	11	the	the	DET
easat-6885	169	12	variables	variable	NOUN
easat-6885	169	13	x	x	SYM
easat-6885	169	14	(	(	PUNCT
easat-6885	169	15	nim	nim	PROPN
easat-6885	169	16	,	,	PUNCT
easat-6885	169	17	yea	yea	PROPN
easat-6885	169	18	,	,	PUNCT
easat-6885	169	19	roa	roa	PROPN
easat-6885	169	20	,	,	PUNCT
easat-6885	169	21	roe	roe	NOUN
easat-6885	169	22	,	,	PUNCT
easat-6885	169	23	cap	cap	NOUN
easat-6885	169	24	,	,	PUNCT
easat-6885	169	25	size	size	NOUN
easat-6885	169	26	,	,	PUNCT
easat-6885	169	27	cti	cti	PROPN
easat-6885	169	28	,	,	PUNCT
easat-6885	169	29	iis	iis	PROPN
easat-6885	169	30	,	,	PUNCT
easat-6885	169	31	and	and	CCONJ
easat-6885	169	32	gender	gender	NOUN
easat-6885	169	33	)	)	PUNCT
easat-6885	169	34	of	of	ADP
easat-6885	169	35	peer	peer	NOUN
easat-6885	169	36	-	-	PUNCT
easat-6885	169	37	to	to	ADP
easat-6885	169	38	-	-	PUNCT
easat-6885	169	39	peer	peer	NOUN
easat-6885	169	40	lending	lending	NOUN
easat-6885	169	41	financial	financial	ADJ
easat-6885	169	42	technology	technology	NOUN
easat-6885	169	43	enterprises	enterprise	NOUN
easat-6885	169	44	exert	exert	VERB
easat-6885	169	45	a	a	DET
easat-6885	169	46	strong	strong	ADJ
easat-6885	169	47	simultaneous	simultaneous	ADJ
easat-6885	169	48	influence	influence	NOUN
easat-6885	169	49	on	on	ADP
easat-6885	169	50	economic	economic	ADJ
easat-6885	169	51	growth	growth	NOUN
easat-6885	169	52	(	(	PUNCT
easat-6885	169	53	gdp	gdp	NOUN
easat-6885	169	54	)	)	PUNCT
easat-6885	169	55	in	in	ADP
easat-6885	169	56	indonesia	indonesia	PROPN
easat-6885	169	57	.	.	PUNCT
easat-6885	170	1	as	as	SCONJ
easat-6885	170	2	shown	show	VERB
easat-6885	170	3	in	in	ADP
easat-6885	170	4	table	table	NOUN
easat-6885	170	5	7	7	NUM
easat-6885	170	6	,	,	PUNCT
easat-6885	170	7	the	the	DET
easat-6885	170	8	probability	probability	NOUN
easat-6885	170	9	value	value	NOUN
easat-6885	170	10	of	of	ADP
easat-6885	170	11	0.000000	0.000000	NUM
easat-6885	170	12	,	,	PUNCT
easat-6885	170	13	being	be	AUX
easat-6885	170	14	less	less	ADJ
easat-6885	170	15	than	than	ADP
easat-6885	170	16	0.05	0.05	NUM
easat-6885	170	17	,	,	PUNCT
easat-6885	170	18	supports	support	VERB
easat-6885	170	19	the	the	DET
easat-6885	170	20	acceptance	acceptance	NOUN
easat-6885	170	21	of	of	ADP
easat-6885	170	22	the	the	DET
easat-6885	170	23	tenth	tenth	ADJ
easat-6885	170	24	hypothesis	hypothesis	NOUN
easat-6885	170	25	(	(	PUNCT
easat-6885	170	26	h10	h10	PROPN
easat-6885	170	27	)	)	PUNCT
easat-6885	170	28	.	.	PUNCT
easat-6885	171	1	therefore	therefore	ADV
easat-6885	171	2	,	,	PUNCT
easat-6885	171	3	variable	variable	ADJ
easat-6885	171	4	x	x	SYM
easat-6885	171	5	(	(	PUNCT
easat-6885	171	6	nim	nim	PROPN
easat-6885	171	7	,	,	PUNCT
easat-6885	171	8	yea	yea	PROPN
easat-6885	171	9	,	,	PUNCT
easat-6885	171	10	roa	roa	PROPN
easat-6885	171	11	,	,	PUNCT
easat-6885	171	12	roe	roe	NOUN
easat-6885	171	13	,	,	PUNCT
easat-6885	171	14	cap	cap	NOUN
easat-6885	171	15	,	,	PUNCT
easat-6885	171	16	size	size	NOUN
easat-6885	171	17	,	,	PUNCT
easat-6885	171	18	431	431	NUM
easat-6885	171	19	edelweiss	edelweiss	PROPN
easat-6885	171	20	applied	apply	VERB
easat-6885	171	21	science	science	NOUN
easat-6885	171	22	and	and	CCONJ
easat-6885	171	23	technology	technology	NOUN
easat-6885	171	24	issn	issn	PROPN
easat-6885	171	25	:	:	PUNCT
easat-6885	171	26	2576	2576	NUM
easat-6885	171	27	-	-	SYM
easat-6885	171	28	8484	8484	NUM
easat-6885	171	29	vol	vol	NOUN
easat-6885	171	30	.	.	PROPN
easat-6885	172	1	9	9	NUM
easat-6885	172	2	,	,	PUNCT
easat-6885	172	3	no	no	INTJ
easat-6885	172	4	.	.	NOUN
easat-6885	172	5	5	5	NUM
easat-6885	172	6	:	:	PUNCT
easat-6885	172	7	424	424	NUM
easat-6885	172	8	-	-	SYM
easat-6885	172	9	435	435	NUM
easat-6885	172	10	,	,	PUNCT
easat-6885	172	11	2025	2025	NUM
easat-6885	172	12	doi	doi	NOUN
easat-6885	172	13	:	:	PUNCT
easat-6885	172	14	10.55214/25768484.v9i5.6885	10.55214/25768484.v9i5.6885	NUM
easat-6885	172	15	©	©	NOUN
easat-6885	172	16	2025	2025	NUM
easat-6885	172	17	by	by	ADP
easat-6885	172	18	the	the	DET
easat-6885	172	19	authors	author	NOUN
easat-6885	172	20	;	;	PUNCT
easat-6885	172	21	licensee	licensee	PROPN
easat-6885	172	22	learning	learning	PROPN
easat-6885	172	23	gate	gate	PROPN
easat-6885	172	24	cti	cti	PROPN
easat-6885	172	25	,	,	PUNCT
easat-6885	172	26	iis	iis	PROPN
easat-6885	172	27	,	,	PUNCT
easat-6885	172	28	and	and	CCONJ
easat-6885	172	29	gender	gender	NOUN
easat-6885	172	30	)	)	PUNCT
easat-6885	172	31	related	relate	VERB
easat-6885	172	32	to	to	ADP
easat-6885	172	33	peer	peer	NOUN
easat-6885	172	34	-	-	PUNCT
easat-6885	172	35	to	to	ADP
easat-6885	172	36	-	-	PUNCT
easat-6885	172	37	peer	peer	NOUN
easat-6885	172	38	lending	lending	NOUN
easat-6885	172	39	financial	financial	ADJ
easat-6885	172	40	technology	technology	NOUN
easat-6885	172	41	companies	company	NOUN
easat-6885	172	42	is	be	AUX
easat-6885	172	43	found	find	VERB
easat-6885	172	44	to	to	PART
easat-6885	172	45	simultaneously	simultaneously	ADV
easat-6885	172	46	affect	affect	VERB
easat-6885	172	47	economic	economic	ADJ
easat-6885	172	48	growth	growth	NOUN
easat-6885	172	49	(	(	PUNCT
easat-6885	172	50	gdp	gdp	NOUN
easat-6885	172	51	)	)	PUNCT
easat-6885	172	52	in	in	ADP
easat-6885	172	53	indonesia	indonesia	PROPN
easat-6885	172	54	.	.	PUNCT
easat-6885	173	1	4.8	4.8	NUM
easat-6885	173	2	.	.	PUNCT
easat-6885	174	1	determination	determination	NOUN
easat-6885	174	2	coefficient	coefficient	PROPN
easat-6885	174	3	test	test	VERB
easat-6885	174	4	the	the	DET
easat-6885	174	5	adjusted	adjusted	ADJ
easat-6885	174	6	r	r	NOUN
easat-6885	174	7	-	-	PUNCT
easat-6885	174	8	squared	square	VERB
easat-6885	174	9	value	value	NOUN
easat-6885	174	10	from	from	ADP
easat-6885	174	11	the	the	DET
easat-6885	174	12	coefficient	coefficient	NOUN
easat-6885	174	13	of	of	ADP
easat-6885	174	14	determination	determination	NOUN
easat-6885	174	15	test	test	NOUN
easat-6885	174	16	indicates	indicate	VERB
easat-6885	174	17	the	the	DET
easat-6885	174	18	model	model	NOUN
easat-6885	174	19	's	's	PART
easat-6885	174	20	goodness	goodness	NOUN
easat-6885	174	21	of	of	ADP
easat-6885	174	22	fit	fit	PROPN
easat-6885	174	23	.	.	PUNCT
easat-6885	174	24	table	table	NOUN
easat-6885	174	25	8	8	NUM
easat-6885	174	26	demonstrates	demonstrate	VERB
easat-6885	174	27	an	an	DET
easat-6885	174	28	adjusted	adjusted	ADJ
easat-6885	174	29	r	r	NOUN
easat-6885	174	30	-	-	PUNCT
easat-6885	174	31	squared	squared	NOUN
easat-6885	174	32	of	of	ADP
easat-6885	174	33	0.931622	0.931622	NUM
easat-6885	174	34	,	,	PUNCT
easat-6885	174	35	meaning	mean	VERB
easat-6885	174	36	the	the	DET
easat-6885	174	37	independent	independent	ADJ
easat-6885	174	38	variable	variable	NOUN
easat-6885	174	39	explains	explain	VERB
easat-6885	174	40	93	93	NUM
easat-6885	174	41	%	%	NOUN
easat-6885	174	42	of	of	ADP
easat-6885	174	43	the	the	DET
easat-6885	174	44	variance	variance	NOUN
easat-6885	174	45	in	in	ADP
easat-6885	174	46	the	the	DET
easat-6885	174	47	dependent	dependent	ADJ
easat-6885	174	48	variable	variable	NOUN
easat-6885	174	49	.	.	PUNCT
easat-6885	175	1	the	the	DET
easat-6885	175	2	remaining	remain	VERB
easat-6885	175	3	7	7	NUM
easat-6885	175	4	%	%	NOUN
easat-6885	175	5	is	be	AUX
easat-6885	175	6	attributed	attribute	VERB
easat-6885	175	7	to	to	ADP
easat-6885	175	8	other	other	ADJ
easat-6885	175	9	factors	factor	NOUN
easat-6885	175	10	not	not	PART
easat-6885	175	11	included	include	VERB
easat-6885	175	12	in	in	ADP
easat-6885	175	13	this	this	DET
easat-6885	175	14	analysis	analysis	NOUN
easat-6885	175	15	.	.	PUNCT
easat-6885	176	1	5	5	X
easat-6885	176	2	.	.	X
easat-6885	176	3	discussion	discussion	NOUN
easat-6885	176	4	the	the	DET
easat-6885	176	5	findings	finding	NOUN
easat-6885	176	6	of	of	ADP
easat-6885	176	7	this	this	DET
easat-6885	176	8	study	study	NOUN
easat-6885	176	9	highlight	highlight	VERB
easat-6885	176	10	the	the	DET
easat-6885	176	11	significant	significant	ADJ
easat-6885	176	12	role	role	NOUN
easat-6885	176	13	that	that	PRON
easat-6885	176	14	peer	peer	NOUN
easat-6885	176	15	-	-	PUNCT
easat-6885	176	16	to	to	ADP
easat-6885	176	17	-	-	PUNCT
easat-6885	176	18	peer	peer	NOUN
easat-6885	176	19	(	(	PUNCT
easat-6885	176	20	p2p	p2p	NOUN
easat-6885	176	21	)	)	PUNCT
easat-6885	176	22	lending	lending	NOUN
easat-6885	176	23	fintech	fintech	NOUN
easat-6885	176	24	companies	company	NOUN
easat-6885	176	25	play	play	VERB
easat-6885	176	26	in	in	ADP
easat-6885	176	27	indonesia	indonesia	PROPN
easat-6885	176	28	’s	’s	PART
easat-6885	176	29	economic	economic	ADJ
easat-6885	176	30	growth	growth	NOUN
easat-6885	176	31	,	,	PUNCT
easat-6885	176	32	particularly	particularly	ADV
easat-6885	176	33	through	through	ADP
easat-6885	176	34	their	their	PRON
easat-6885	176	35	ability	ability	NOUN
easat-6885	176	36	to	to	PART
easat-6885	176	37	optimize	optimize	VERB
easat-6885	176	38	asset	asset	NOUN
easat-6885	176	39	management	management	NOUN
easat-6885	176	40	for	for	ADP
easat-6885	176	41	revenue	revenue	NOUN
easat-6885	176	42	generation	generation	NOUN
easat-6885	176	43	.	.	PUNCT
easat-6885	177	1	these	these	DET
easat-6885	177	2	companies	company	NOUN
easat-6885	177	3	have	have	AUX
easat-6885	177	4	demonstrated	demonstrate	VERB
easat-6885	177	5	effective	effective	ADJ
easat-6885	177	6	performance	performance	NOUN
easat-6885	177	7	,	,	PUNCT
easat-6885	177	8	enabling	enable	VERB
easat-6885	177	9	continued	continue	VERB
easat-6885	177	10	expansion	expansion	NOUN
easat-6885	177	11	by	by	ADP
easat-6885	177	12	extending	extend	VERB
easat-6885	177	13	credit	credit	NOUN
easat-6885	177	14	to	to	ADP
easat-6885	177	15	individuals	individual	NOUN
easat-6885	177	16	and	and	CCONJ
easat-6885	177	17	businesses	business	NOUN
easat-6885	177	18	for	for	ADP
easat-6885	177	19	various	various	ADJ
easat-6885	177	20	purposes	purpose	NOUN
easat-6885	177	21	,	,	PUNCT
easat-6885	177	22	thereby	thereby	ADV
easat-6885	177	23	stimulating	stimulate	VERB
easat-6885	177	24	consumption	consumption	NOUN
easat-6885	177	25	,	,	PUNCT
easat-6885	177	26	production	production	NOUN
easat-6885	177	27	,	,	PUNCT
easat-6885	177	28	and	and	CCONJ
easat-6885	177	29	employment	employment	NOUN
easat-6885	177	30	—	—	PUNCT
easat-6885	177	31	all	all	PRON
easat-6885	177	32	of	of	ADP
easat-6885	177	33	which	which	PRON
easat-6885	177	34	contribute	contribute	VERB
easat-6885	177	35	positively	positively	ADV
easat-6885	177	36	to	to	ADP
easat-6885	177	37	the	the	DET
easat-6885	177	38	broader	broad	ADJ
easat-6885	177	39	economy	economy	NOUN
easat-6885	177	40	[	[	X
easat-6885	177	41	19	19	NUM
easat-6885	177	42	,	,	PUNCT
easat-6885	177	43	22	22	NUM
easat-6885	177	44	-	-	SYM
easat-6885	177	45	24	24	NUM
easat-6885	177	46	]	]	PUNCT
easat-6885	177	47	.	.	PUNCT
easat-6885	178	1	the	the	DET
easat-6885	178	2	positive	positive	ADJ
easat-6885	178	3	effect	effect	NOUN
easat-6885	178	4	of	of	ADP
easat-6885	178	5	net	net	ADJ
easat-6885	178	6	interest	interest	NOUN
easat-6885	178	7	margin	margin	NOUN
easat-6885	178	8	(	(	PUNCT
easat-6885	178	9	nim	nim	NOUN
easat-6885	178	10	)	)	PUNCT
easat-6885	178	11	on	on	ADP
easat-6885	178	12	gross	gross	ADJ
easat-6885	178	13	domestic	domestic	ADJ
easat-6885	178	14	product	product	NOUN
easat-6885	178	15	(	(	PUNCT
easat-6885	178	16	gdp	gdp	NOUN
easat-6885	178	17	)	)	PUNCT
easat-6885	178	18	suggests	suggest	VERB
easat-6885	178	19	that	that	SCONJ
easat-6885	178	20	higher	high	ADJ
easat-6885	178	21	nim	nim	NOUN
easat-6885	178	22	not	not	PART
easat-6885	178	23	only	only	ADV
easat-6885	178	24	reflects	reflect	VERB
easat-6885	178	25	operational	operational	ADJ
easat-6885	178	26	efficiency	efficiency	NOUN
easat-6885	178	27	but	but	CCONJ
easat-6885	178	28	also	also	ADV
easat-6885	178	29	enhances	enhance	VERB
easat-6885	178	30	a	a	DET
easat-6885	178	31	fintech	fintech	NOUN
easat-6885	178	32	firm	firm	NOUN
easat-6885	178	33	's	's	PART
easat-6885	178	34	capacity	capacity	NOUN
easat-6885	178	35	to	to	PART
easat-6885	178	36	offer	offer	VERB
easat-6885	178	37	competitively	competitively	ADV
easat-6885	178	38	priced	price	VERB
easat-6885	178	39	loan	loan	NOUN
easat-6885	178	40	products	product	NOUN
easat-6885	178	41	.	.	PUNCT
easat-6885	179	1	this	this	DET
easat-6885	179	2	accessibility	accessibility	NOUN
easat-6885	179	3	attracts	attract	VERB
easat-6885	179	4	a	a	DET
easat-6885	179	5	larger	large	ADJ
easat-6885	179	6	base	base	NOUN
easat-6885	179	7	of	of	ADP
easat-6885	179	8	borrowers	borrower	NOUN
easat-6885	179	9	,	,	PUNCT
easat-6885	179	10	particularly	particularly	ADV
easat-6885	179	11	those	those	PRON
easat-6885	179	12	underserved	underserved	ADJ
easat-6885	179	13	by	by	ADP
easat-6885	179	14	conventional	conventional	ADJ
easat-6885	179	15	financial	financial	ADJ
easat-6885	179	16	institutions	institution	NOUN
easat-6885	179	17	.	.	PUNCT
easat-6885	180	1	consequently	consequently	ADV
easat-6885	180	2	,	,	PUNCT
easat-6885	180	3	improved	improved	ADJ
easat-6885	180	4	nims	nims	PROPN
easat-6885	180	5	facilitate	facilitate	VERB
easat-6885	180	6	broader	broad	ADJ
easat-6885	180	7	financial	financial	ADJ
easat-6885	180	8	inclusion	inclusion	NOUN
easat-6885	180	9	,	,	PUNCT
easat-6885	180	10	reduce	reduce	VERB
easat-6885	180	11	income	income	NOUN
easat-6885	180	12	inequality	inequality	NOUN
easat-6885	180	13	,	,	PUNCT
easat-6885	180	14	and	and	CCONJ
easat-6885	180	15	contribute	contribute	VERB
easat-6885	180	16	to	to	ADP
easat-6885	180	17	macroeconomic	macroeconomic	ADJ
easat-6885	180	18	stability	stability	NOUN
easat-6885	180	19	[	[	X
easat-6885	180	20	17	17	NUM
easat-6885	180	21	,	,	PUNCT
easat-6885	180	22	25	25	NUM
easat-6885	180	23	]	]	PUNCT
easat-6885	180	24	.	.	PUNCT
easat-6885	181	1	these	these	DET
easat-6885	181	2	findings	finding	NOUN
easat-6885	181	3	are	be	AUX
easat-6885	181	4	consistent	consistent	ADJ
easat-6885	181	5	with	with	ADP
easat-6885	181	6	kanga	kanga	PROPN
easat-6885	181	7	,	,	PUNCT
easat-6885	181	8	et	et	PROPN
easat-6885	181	9	al	al	PROPN
easat-6885	181	10	.	.	PUNCT
easat-6885	182	1	[	[	X
easat-6885	182	2	17	17	NUM
easat-6885	182	3	]	]	PUNCT
easat-6885	182	4	who	who	PRON
easat-6885	182	5	argued	argue	VERB
easat-6885	182	6	that	that	SCONJ
easat-6885	182	7	the	the	DET
easat-6885	182	8	diffusion	diffusion	NOUN
easat-6885	182	9	of	of	ADP
easat-6885	182	10	fintech	fintech	NOUN
easat-6885	182	11	significantly	significantly	ADV
easat-6885	182	12	contributes	contribute	VERB
easat-6885	182	13	to	to	ADP
easat-6885	182	14	national	national	ADJ
easat-6885	182	15	income	income	NOUN
easat-6885	182	16	growth	growth	NOUN
easat-6885	182	17	through	through	ADP
easat-6885	182	18	inclusive	inclusive	ADJ
easat-6885	182	19	access	access	NOUN
easat-6885	182	20	.	.	PUNCT
easat-6885	183	1	similar	similar	ADJ
easat-6885	183	2	views	view	NOUN
easat-6885	183	3	were	be	AUX
easat-6885	183	4	expressed	express	VERB
easat-6885	183	5	by	by	ADP
easat-6885	183	6	sharma	sharma	PROPN
easat-6885	183	7	[	[	X
easat-6885	183	8	20	20	NUM
easat-6885	183	9	]	]	PUNCT
easat-6885	183	10	who	who	PRON
easat-6885	183	11	linked	link	VERB
easat-6885	183	12	financial	financial	ADJ
easat-6885	183	13	inclusion	inclusion	NOUN
easat-6885	183	14	with	with	ADP
easat-6885	183	15	sustainable	sustainable	ADJ
easat-6885	183	16	economic	economic	ADJ
easat-6885	183	17	performance	performance	NOUN
easat-6885	183	18	.	.	PUNCT
easat-6885	184	1	conversely	conversely	ADV
easat-6885	184	2	,	,	PUNCT
easat-6885	184	3	the	the	DET
easat-6885	184	4	yield	yield	NOUN
easat-6885	184	5	on	on	ADP
easat-6885	184	6	earning	earn	VERB
easat-6885	184	7	assets	asset	NOUN
easat-6885	184	8	(	(	PUNCT
easat-6885	184	9	yea	yea	ADJ
easat-6885	184	10	)	)	PUNCT
easat-6885	184	11	variable	variable	NOUN
easat-6885	184	12	was	be	AUX
easat-6885	184	13	found	find	VERB
easat-6885	184	14	to	to	PART
easat-6885	184	15	have	have	VERB
easat-6885	184	16	no	no	DET
easat-6885	184	17	significant	significant	ADJ
easat-6885	184	18	impact	impact	NOUN
easat-6885	184	19	on	on	ADP
easat-6885	184	20	gdp	gdp	NOUN
easat-6885	184	21	,	,	PUNCT
easat-6885	184	22	which	which	PRON
easat-6885	184	23	may	may	AUX
easat-6885	184	24	indicate	indicate	VERB
easat-6885	184	25	inefficiencies	inefficiency	NOUN
easat-6885	184	26	in	in	ADP
easat-6885	184	27	managing	manage	VERB
easat-6885	184	28	productive	productive	ADJ
easat-6885	184	29	assets	asset	NOUN
easat-6885	184	30	.	.	PUNCT
easat-6885	185	1	these	these	DET
easat-6885	185	2	inefficiencies	inefficiency	NOUN
easat-6885	185	3	could	could	AUX
easat-6885	185	4	arise	arise	VERB
easat-6885	185	5	from	from	ADP
easat-6885	185	6	poor	poor	ADJ
easat-6885	185	7	credit	credit	NOUN
easat-6885	185	8	risk	risk	NOUN
easat-6885	185	9	management	management	NOUN
easat-6885	185	10	,	,	PUNCT
easat-6885	185	11	suboptimal	suboptimal	ADJ
easat-6885	185	12	loan	loan	NOUN
easat-6885	185	13	portfolios	portfolio	NOUN
easat-6885	185	14	,	,	PUNCT
easat-6885	185	15	or	or	CCONJ
easat-6885	185	16	weak	weak	ADJ
easat-6885	185	17	asset	asset	NOUN
easat-6885	185	18	performance	performance	NOUN
easat-6885	185	19	,	,	PUNCT
easat-6885	185	20	ultimately	ultimately	ADV
easat-6885	185	21	undermining	undermine	VERB
easat-6885	185	22	the	the	DET
easat-6885	185	23	firm	firm	NOUN
easat-6885	185	24	's	's	PART
easat-6885	185	25	ability	ability	NOUN
easat-6885	185	26	to	to	PART
easat-6885	185	27	generate	generate	VERB
easat-6885	185	28	interest	interest	NOUN
easat-6885	185	29	income	income	NOUN
easat-6885	186	1	[	[	X
easat-6885	186	2	26	26	NUM
easat-6885	186	3	]	]	PUNCT
easat-6885	186	4	.	.	PUNCT
easat-6885	187	1	a	a	DET
easat-6885	187	2	decline	decline	NOUN
easat-6885	187	3	in	in	ADP
easat-6885	187	4	yea	yea	NOUN
easat-6885	187	5	reflects	reflect	VERB
easat-6885	187	6	diminishing	diminish	VERB
easat-6885	187	7	profitability	profitability	NOUN
easat-6885	187	8	from	from	ADP
easat-6885	187	9	income	income	NOUN
easat-6885	187	10	-	-	PUNCT
easat-6885	187	11	generating	generate	VERB
easat-6885	187	12	assets	asset	NOUN
easat-6885	187	13	and	and	CCONJ
easat-6885	187	14	may	may	AUX
easat-6885	187	15	reduce	reduce	VERB
easat-6885	187	16	fintech	fintech	NOUN
easat-6885	187	17	's	's	PART
easat-6885	187	18	attractiveness	attractiveness	NOUN
easat-6885	187	19	as	as	ADP
easat-6885	187	20	an	an	DET
easat-6885	187	21	alternative	alternative	ADJ
easat-6885	187	22	financing	financing	NOUN
easat-6885	187	23	channel	channel	NOUN
easat-6885	187	24	,	,	PUNCT
easat-6885	187	25	thereby	thereby	ADV
easat-6885	187	26	weakening	weaken	VERB
easat-6885	187	27	its	its	PRON
easat-6885	187	28	contribution	contribution	NOUN
easat-6885	187	29	to	to	ADP
easat-6885	187	30	gdp	gdp	NOUN
easat-6885	187	31	[	[	X
easat-6885	187	32	27	27	NUM
easat-6885	187	33	]	]	PUNCT
easat-6885	187	34	.	.	PUNCT
easat-6885	188	1	this	this	PRON
easat-6885	188	2	aligns	align	VERB
easat-6885	188	3	with	with	ADP
easat-6885	188	4	broader	broad	ADJ
easat-6885	188	5	regional	regional	ADJ
easat-6885	188	6	findings	finding	NOUN
easat-6885	188	7	,	,	PUNCT
easat-6885	188	8	such	such	ADJ
easat-6885	188	9	as	as	ADP
easat-6885	188	10	those	those	PRON
easat-6885	188	11	from	from	ADP
easat-6885	188	12	[	[	X
easat-6885	188	13	38	38	NUM
easat-6885	188	14	]	]	PUNCT
easat-6885	188	15	,	,	PUNCT
easat-6885	188	16	emphasizing	emphasize	VERB
easat-6885	188	17	the	the	DET
easat-6885	188	18	critical	critical	ADJ
easat-6885	188	19	role	role	NOUN
easat-6885	188	20	of	of	ADP
easat-6885	188	21	asset	asset	NOUN
easat-6885	188	22	utilization	utilization	NOUN
easat-6885	188	23	in	in	ADP
easat-6885	188	24	digital	digital	ADJ
easat-6885	188	25	financial	financial	ADJ
easat-6885	188	26	ecosystems	ecosystem	NOUN
easat-6885	188	27	.	.	PUNCT
easat-6885	189	1	return	return	VERB
easat-6885	189	2	on	on	ADP
easat-6885	189	3	assets	asset	NOUN
easat-6885	189	4	(	(	PUNCT
easat-6885	189	5	roa	roa	NOUN
easat-6885	189	6	)	)	PUNCT
easat-6885	189	7	also	also	ADV
easat-6885	189	8	showed	show	VERB
easat-6885	189	9	an	an	DET
easat-6885	189	10	insignificant	insignificant	ADJ
easat-6885	189	11	effect	effect	NOUN
easat-6885	189	12	,	,	PUNCT
easat-6885	189	13	suggesting	suggest	VERB
easat-6885	189	14	that	that	SCONJ
easat-6885	189	15	p2p	p2p	NOUN
easat-6885	189	16	lending	lending	NOUN
easat-6885	189	17	fintech	fintech	NOUN
easat-6885	189	18	firms	firm	NOUN
easat-6885	189	19	have	have	VERB
easat-6885	189	20	yet	yet	ADV
easat-6885	189	21	to	to	PART
easat-6885	189	22	fully	fully	ADV
easat-6885	189	23	leverage	leverage	VERB
easat-6885	189	24	their	their	PRON
easat-6885	189	25	asset	asset	NOUN
easat-6885	189	26	base	base	NOUN
easat-6885	189	27	for	for	ADP
easat-6885	189	28	profitability	profitability	NOUN
easat-6885	189	29	.	.	PUNCT
easat-6885	190	1	high	high	ADJ
easat-6885	190	2	operational	operational	ADJ
easat-6885	190	3	costs	cost	NOUN
easat-6885	190	4	—	—	PUNCT
easat-6885	190	5	stemming	stem	VERB
easat-6885	190	6	from	from	ADP
easat-6885	190	7	technology	technology	NOUN
easat-6885	190	8	infrastructure	infrastructure	NOUN
easat-6885	190	9	,	,	PUNCT
easat-6885	190	10	marketing	marketing	NOUN
easat-6885	190	11	,	,	PUNCT
easat-6885	190	12	or	or	CCONJ
easat-6885	190	13	risk	risk	NOUN
easat-6885	190	14	management	management	NOUN
easat-6885	190	15	—	—	PUNCT
easat-6885	190	16	may	may	AUX
easat-6885	190	17	erode	erode	VERB
easat-6885	190	18	potential	potential	ADJ
easat-6885	190	19	returns	return	NOUN
easat-6885	190	20	.	.	PUNCT
easat-6885	191	1	additionally	additionally	ADV
easat-6885	191	2	,	,	PUNCT
easat-6885	191	3	the	the	DET
easat-6885	191	4	presence	presence	NOUN
easat-6885	191	5	of	of	ADP
easat-6885	191	6	unproductive	unproductive	ADJ
easat-6885	191	7	assets	asset	NOUN
easat-6885	191	8	or	or	CCONJ
easat-6885	191	9	inefficiencies	inefficiency	NOUN
easat-6885	191	10	in	in	ADP
easat-6885	191	11	asset	asset	NOUN
easat-6885	191	12	deployment	deployment	NOUN
easat-6885	191	13	could	could	AUX
easat-6885	191	14	explain	explain	VERB
easat-6885	191	15	the	the	DET
easat-6885	191	16	low	low	ADJ
easat-6885	191	17	roa	roa	NOUN
easat-6885	191	18	values	value	NOUN
easat-6885	191	19	[	[	X
easat-6885	191	20	11	11	NUM
easat-6885	191	21	]	]	PUNCT
easat-6885	191	22	.	.	PUNCT
easat-6885	192	1	for	for	SCONJ
easat-6885	192	2	fintech	fintech	NOUN
easat-6885	192	3	companies	company	NOUN
easat-6885	192	4	to	to	PART
easat-6885	192	5	enhance	enhance	VERB
easat-6885	192	6	their	their	PRON
easat-6885	192	7	economic	economic	ADJ
easat-6885	192	8	contribution	contribution	NOUN
easat-6885	192	9	,	,	PUNCT
easat-6885	192	10	improvements	improvement	NOUN
easat-6885	192	11	in	in	ADP
easat-6885	192	12	cost	cost	NOUN
easat-6885	192	13	efficiency	efficiency	NOUN
easat-6885	192	14	and	and	CCONJ
easat-6885	192	15	asset	asset	NOUN
easat-6885	192	16	utilization	utilization	NOUN
easat-6885	192	17	are	be	AUX
easat-6885	192	18	essential	essential	ADJ
easat-6885	192	19	[	[	X
easat-6885	192	20	28	28	NUM
easat-6885	192	21	]	]	PUNCT
easat-6885	192	22	.	.	PUNCT
easat-6885	193	1	similarly	similarly	ADV
easat-6885	193	2	,	,	PUNCT
easat-6885	193	3	the	the	DET
easat-6885	193	4	study	study	NOUN
easat-6885	193	5	reveals	reveal	VERB
easat-6885	193	6	that	that	SCONJ
easat-6885	193	7	return	return	VERB
easat-6885	193	8	on	on	ADP
easat-6885	193	9	equity	equity	NOUN
easat-6885	193	10	(	(	PUNCT
easat-6885	193	11	roe	roe	PROPN
easat-6885	193	12	)	)	PUNCT
easat-6885	193	13	does	do	AUX
easat-6885	193	14	not	not	PART
easat-6885	193	15	significantly	significantly	ADV
easat-6885	193	16	influence	influence	VERB
easat-6885	193	17	gdp	gdp	PROPN
easat-6885	193	18	.	.	PUNCT
easat-6885	194	1	this	this	PRON
easat-6885	194	2	may	may	AUX
easat-6885	194	3	stem	stem	VERB
easat-6885	194	4	from	from	ADP
easat-6885	194	5	the	the	DET
easat-6885	194	6	allocation	allocation	NOUN
easat-6885	194	7	of	of	ADP
easat-6885	194	8	capital	capital	NOUN
easat-6885	194	9	toward	toward	ADP
easat-6885	194	10	covering	cover	VERB
easat-6885	194	11	loan	loan	NOUN
easat-6885	194	12	defaults	default	NOUN
easat-6885	194	13	rather	rather	ADV
easat-6885	194	14	than	than	ADP
easat-6885	194	15	productive	productive	ADJ
easat-6885	194	16	investments	investment	NOUN
easat-6885	194	17	[	[	X
easat-6885	194	18	29	29	NUM
easat-6885	194	19	]	]	PUNCT
easat-6885	194	20	.	.	PUNCT
easat-6885	195	1	elevated	elevated	ADJ
easat-6885	195	2	operational	operational	ADJ
easat-6885	195	3	costs	cost	NOUN
easat-6885	195	4	and	and	CCONJ
easat-6885	195	5	suboptimal	suboptimal	ADJ
easat-6885	195	6	capital	capital	NOUN
easat-6885	195	7	utilization	utilization	NOUN
easat-6885	195	8	,	,	PUNCT
easat-6885	195	9	combined	combine	VERB
easat-6885	195	10	with	with	ADP
easat-6885	195	11	a	a	DET
easat-6885	195	12	highly	highly	ADV
easat-6885	195	13	competitive	competitive	ADJ
easat-6885	195	14	market	market	NOUN
easat-6885	195	15	environment	environment	NOUN
easat-6885	195	16	,	,	PUNCT
easat-6885	195	17	may	may	AUX
easat-6885	195	18	limit	limit	VERB
easat-6885	195	19	fintech	fintech	NOUN
easat-6885	195	20	firms	firm	NOUN
easat-6885	195	21	'	'	PART
easat-6885	195	22	profitability	profitability	NOUN
easat-6885	195	23	and	and	CCONJ
easat-6885	195	24	their	their	PRON
easat-6885	195	25	ability	ability	NOUN
easat-6885	195	26	to	to	PART
easat-6885	195	27	stimulate	stimulate	VERB
easat-6885	195	28	broader	broad	ADJ
easat-6885	195	29	economic	economic	ADJ
easat-6885	195	30	outcomes	outcome	NOUN
easat-6885	195	31	phan	phan	PROPN
easat-6885	195	32	,	,	PUNCT
easat-6885	195	33	et	et	PROPN
easat-6885	195	34	al	al	PROPN
easat-6885	195	35	.	.	PUNCT
easat-6885	196	1	[	[	X
easat-6885	196	2	11	11	NUM
easat-6885	196	3	]	]	PUNCT
easat-6885	196	4	.	.	PUNCT
easat-6885	197	1	rahman	rahman	PROPN
easat-6885	197	2	and	and	CCONJ
easat-6885	197	3	halim	halim	PROPN
easat-6885	198	1	[	[	X
easat-6885	198	2	30	30	NUM
easat-6885	198	3	]	]	PUNCT
easat-6885	198	4	also	also	ADV
easat-6885	198	5	suggest	suggest	VERB
easat-6885	198	6	that	that	SCONJ
easat-6885	198	7	capital	capital	NOUN
easat-6885	198	8	structure	structure	NOUN
easat-6885	198	9	misalignment	misalignment	NOUN
easat-6885	198	10	is	be	AUX
easat-6885	198	11	often	often	ADV
easat-6885	198	12	observed	observe	VERB
easat-6885	198	13	in	in	ADP
easat-6885	198	14	mid	mid	ADJ
easat-6885	198	15	-	-	ADJ
easat-6885	198	16	income	income	NOUN
easat-6885	198	17	economies	economy	NOUN
easat-6885	198	18	experiencing	experience	VERB
easat-6885	198	19	rapid	rapid	ADJ
easat-6885	198	20	digitalization	digitalization	NOUN
easat-6885	198	21	.	.	PUNCT
easat-6885	199	1	despite	despite	SCONJ
easat-6885	199	2	an	an	DET
easat-6885	199	3	increase	increase	NOUN
easat-6885	199	4	in	in	ADP
easat-6885	199	5	capital	capital	NOUN
easat-6885	199	6	ratio	ratio	NOUN
easat-6885	199	7	(	(	PUNCT
easat-6885	199	8	cap	cap	NOUN
easat-6885	199	9	)	)	PUNCT
easat-6885	199	10	,	,	PUNCT
easat-6885	199	11	this	this	DET
easat-6885	199	12	variable	variable	NOUN
easat-6885	199	13	did	do	AUX
easat-6885	199	14	not	not	PART
easat-6885	199	15	exhibit	exhibit	VERB
easat-6885	199	16	a	a	DET
easat-6885	199	17	significant	significant	ADJ
easat-6885	199	18	relationship	relationship	NOUN
easat-6885	199	19	with	with	ADP
easat-6885	199	20	economic	economic	ADJ
easat-6885	199	21	growth	growth	NOUN
easat-6885	199	22	.	.	PUNCT
easat-6885	200	1	one	one	NUM
easat-6885	200	2	potential	potential	ADJ
easat-6885	200	3	explanation	explanation	NOUN
easat-6885	200	4	is	be	AUX
easat-6885	200	5	that	that	SCONJ
easat-6885	200	6	a	a	DET
easat-6885	200	7	larger	large	ADJ
easat-6885	200	8	capital	capital	NOUN
easat-6885	200	9	base	base	NOUN
easat-6885	200	10	may	may	AUX
easat-6885	200	11	be	be	AUX
easat-6885	200	12	used	use	VERB
easat-6885	200	13	defensively	defensively	ADV
easat-6885	200	14	—	—	PUNCT
easat-6885	200	15	to	to	PART
easat-6885	200	16	absorb	absorb	VERB
easat-6885	200	17	financial	financial	ADJ
easat-6885	200	18	losses	loss	NOUN
easat-6885	200	19	—	—	PUNCT
easat-6885	200	20	rather	rather	ADV
easat-6885	200	21	than	than	ADP
easat-6885	200	22	offensively	offensively	ADV
easat-6885	200	23	for	for	ADP
easat-6885	200	24	business	business	NOUN
easat-6885	200	25	expansion	expansion	NOUN
easat-6885	200	26	and	and	CCONJ
easat-6885	200	27	productivity	productivity	NOUN
easat-6885	200	28	enhancement	enhancement	NOUN
easat-6885	200	29	[	[	X
easat-6885	200	30	31	31	NUM
easat-6885	200	31	]	]	PUNCT
easat-6885	200	32	.	.	PUNCT
easat-6885	201	1	this	this	PRON
easat-6885	201	2	aligns	align	VERB
easat-6885	201	3	with	with	ADP
easat-6885	201	4	siddiqui	siddiqui	NOUN
easat-6885	201	5	and	and	CCONJ
easat-6885	201	6	siddiqui	siddiqui	NOUN
easat-6885	201	7	[	[	X
easat-6885	201	8	6	6	NUM
easat-6885	201	9	]	]	PUNCT
easat-6885	201	10	who	who	PRON
easat-6885	201	11	noted	note	VERB
easat-6885	201	12	that	that	SCONJ
easat-6885	201	13	robust	robust	ADJ
easat-6885	201	14	capital	capital	NOUN
easat-6885	201	15	structures	structure	NOUN
easat-6885	201	16	in	in	ADP
easat-6885	201	17	fintech	fintech	NOUN
easat-6885	201	18	must	must	AUX
easat-6885	201	19	be	be	AUX
easat-6885	201	20	strategically	strategically	ADV
easat-6885	201	21	allocated	allocate	VERB
easat-6885	201	22	to	to	PART
easat-6885	201	23	yield	yield	VERB
easat-6885	201	24	productive	productive	ADJ
easat-6885	201	25	growth	growth	NOUN
easat-6885	201	26	.	.	PUNCT
easat-6885	202	1	similar	similar	ADJ
easat-6885	202	2	sentiments	sentiment	NOUN
easat-6885	202	3	are	be	AUX
easat-6885	202	4	reflected	reflect	VERB
easat-6885	202	5	in	in	ADP
easat-6885	202	6	khan	khan	PROPN
easat-6885	202	7	[	[	X
easat-6885	202	8	32	32	NUM
easat-6885	202	9	]	]	PUNCT
easat-6885	202	10	where	where	SCONJ
easat-6885	202	11	credit	credit	NOUN
easat-6885	202	12	guarantee	guarantee	NOUN
easat-6885	202	13	models	model	NOUN
easat-6885	202	14	are	be	AUX
easat-6885	202	15	recommended	recommend	VERB
easat-6885	202	16	for	for	ADP
easat-6885	202	17	more	more	ADV
easat-6885	202	18	effective	effective	ADJ
easat-6885	202	19	sme	sme	ADJ
easat-6885	202	20	financing	financing	NOUN
easat-6885	202	21	.	.	PUNCT
easat-6885	203	1	432	432	NUM
easat-6885	203	2	edelweiss	edelweiss	PROPN
easat-6885	203	3	applied	apply	VERB
easat-6885	203	4	science	science	NOUN
easat-6885	203	5	and	and	CCONJ
easat-6885	203	6	technology	technology	NOUN
easat-6885	203	7	issn	issn	PROPN
easat-6885	203	8	:	:	PUNCT
easat-6885	203	9	2576	2576	NUM
easat-6885	203	10	-	-	SYM
easat-6885	203	11	8484	8484	NUM
easat-6885	203	12	vol	vol	NOUN
easat-6885	203	13	.	.	PROPN
easat-6885	204	1	9	9	NUM
easat-6885	204	2	,	,	PUNCT
easat-6885	204	3	no	no	INTJ
easat-6885	204	4	.	.	NOUN
easat-6885	204	5	5	5	NUM
easat-6885	204	6	:	:	PUNCT
easat-6885	204	7	424	424	NUM
easat-6885	204	8	-	-	SYM
easat-6885	204	9	435	435	NUM
easat-6885	204	10	,	,	PUNCT
easat-6885	204	11	2025	2025	NUM
easat-6885	204	12	doi	doi	NOUN
easat-6885	204	13	:	:	PUNCT
easat-6885	204	14	10.55214/25768484.v9i5.6885	10.55214/25768484.v9i5.6885	NUM
easat-6885	204	15	©	©	NOUN
easat-6885	204	16	2025	2025	NUM
easat-6885	204	17	by	by	ADP
easat-6885	204	18	the	the	DET
easat-6885	204	19	authors	author	NOUN
easat-6885	204	20	;	;	PUNCT
easat-6885	204	21	licensee	licensee	PROPN
easat-6885	204	22	learning	learning	PROPN
easat-6885	204	23	gate	gate	PROPN
easat-6885	204	24	company	company	PROPN
easat-6885	204	25	size	size	NOUN
easat-6885	204	26	(	(	PUNCT
easat-6885	204	27	size	size	NOUN
easat-6885	204	28	)	)	PUNCT
easat-6885	204	29	,	,	PUNCT
easat-6885	204	30	by	by	ADP
easat-6885	204	31	contrast	contrast	NOUN
easat-6885	204	32	,	,	PUNCT
easat-6885	204	33	had	have	VERB
easat-6885	204	34	a	a	DET
easat-6885	204	35	statistically	statistically	ADV
easat-6885	204	36	significant	significant	ADJ
easat-6885	204	37	positive	positive	ADJ
easat-6885	204	38	effect	effect	NOUN
easat-6885	204	39	on	on	ADP
easat-6885	204	40	gdp	gdp	NOUN
easat-6885	204	41	.	.	PUNCT
easat-6885	205	1	larger	large	ADJ
easat-6885	205	2	fintech	fintech	NOUN
easat-6885	205	3	firms	firm	NOUN
easat-6885	205	4	generally	generally	ADV
easat-6885	205	5	benefit	benefit	VERB
easat-6885	205	6	from	from	ADP
easat-6885	205	7	economies	economy	NOUN
easat-6885	205	8	of	of	ADP
easat-6885	205	9	scale	scale	NOUN
easat-6885	205	10	,	,	PUNCT
easat-6885	205	11	better	well	ADJ
easat-6885	205	12	technological	technological	ADJ
easat-6885	205	13	infrastructure	infrastructure	NOUN
easat-6885	205	14	,	,	PUNCT
easat-6885	205	15	and	and	CCONJ
easat-6885	205	16	higher	high	ADJ
easat-6885	205	17	market	market	NOUN
easat-6885	205	18	penetration	penetration	NOUN
easat-6885	205	19	,	,	PUNCT
easat-6885	205	20	allowing	allow	VERB
easat-6885	205	21	them	they	PRON
easat-6885	205	22	to	to	PART
easat-6885	205	23	deliver	deliver	VERB
easat-6885	205	24	services	service	NOUN
easat-6885	205	25	more	more	ADV
easat-6885	205	26	efficiently	efficiently	ADV
easat-6885	205	27	and	and	CCONJ
easat-6885	205	28	extend	extend	VERB
easat-6885	205	29	financial	financial	ADJ
easat-6885	205	30	access	access	NOUN
easat-6885	205	31	more	more	ADV
easat-6885	205	32	broadly	broadly	ADV
easat-6885	205	33	.	.	PUNCT
easat-6885	206	1	this	this	DET
easat-6885	206	2	result	result	NOUN
easat-6885	206	3	aligns	align	VERB
easat-6885	206	4	with	with	ADP
easat-6885	206	5	djalilov	djalilov	NOUN
easat-6885	206	6	and	and	CCONJ
easat-6885	206	7	piesse	piesse	NOUN
easat-6885	206	8	[	[	X
easat-6885	206	9	14	14	NUM
easat-6885	206	10	]	]	X
easat-6885	206	11	;	;	PUNCT
easat-6885	206	12	junarsin	junarsin	PROPN
easat-6885	206	13	,	,	PUNCT
easat-6885	206	14	et	et	PROPN
easat-6885	206	15	al	al	PROPN
easat-6885	206	16	.	.	PUNCT
easat-6885	207	1	[	[	X
easat-6885	207	2	7	7	X
easat-6885	207	3	]	]	PUNCT
easat-6885	207	4	and	and	CCONJ
easat-6885	207	5	emekter	emekter	NOUN
easat-6885	207	6	,	,	PUNCT
easat-6885	207	7	et	et	PROPN
easat-6885	207	8	al	al	PROPN
easat-6885	207	9	.	.	PUNCT
easat-6885	208	1	[	[	X
easat-6885	208	2	33	33	NUM
easat-6885	208	3	]	]	PUNCT
easat-6885	208	4	which	which	PRON
easat-6885	208	5	argue	argue	VERB
easat-6885	208	6	that	that	SCONJ
easat-6885	208	7	firm	firm	ADJ
easat-6885	208	8	size	size	NOUN
easat-6885	208	9	,	,	PUNCT
easat-6885	208	10	digital	digital	ADJ
easat-6885	208	11	innovation	innovation	NOUN
easat-6885	208	12	,	,	PUNCT
easat-6885	208	13	and	and	CCONJ
easat-6885	208	14	foreign	foreign	ADJ
easat-6885	208	15	direct	direct	ADJ
easat-6885	208	16	investment	investment	NOUN
easat-6885	208	17	collectively	collectively	ADV
easat-6885	208	18	enhance	enhance	VERB
easat-6885	208	19	operational	operational	ADJ
easat-6885	208	20	effectiveness	effectiveness	NOUN
easat-6885	208	21	and	and	CCONJ
easat-6885	208	22	macroeconomic	macroeconomic	ADJ
easat-6885	208	23	contribution	contribution	NOUN
easat-6885	208	24	.	.	PUNCT
easat-6885	209	1	interestingly	interestingly	ADV
easat-6885	209	2	,	,	PUNCT
easat-6885	209	3	the	the	DET
easat-6885	209	4	cost	cost	NOUN
easat-6885	209	5	to	to	PART
easat-6885	209	6	income	income	NOUN
easat-6885	209	7	ratio	ratio	NOUN
easat-6885	209	8	(	(	PUNCT
easat-6885	209	9	cti	cti	PROPN
easat-6885	209	10	)	)	PUNCT
easat-6885	209	11	was	be	AUX
easat-6885	209	12	not	not	PART
easat-6885	209	13	significantly	significantly	ADV
easat-6885	209	14	associated	associate	VERB
easat-6885	209	15	with	with	ADP
easat-6885	209	16	gdp	gdp	NOUN
easat-6885	209	17	.	.	PUNCT
easat-6885	210	1	although	although	SCONJ
easat-6885	210	2	cti	cti	PROPN
easat-6885	210	3	is	be	AUX
easat-6885	210	4	commonly	commonly	ADV
easat-6885	210	5	used	use	VERB
easat-6885	210	6	as	as	ADP
easat-6885	210	7	an	an	DET
easat-6885	210	8	indicator	indicator	NOUN
easat-6885	210	9	of	of	ADP
easat-6885	210	10	operational	operational	ADJ
easat-6885	210	11	efficiency	efficiency	NOUN
easat-6885	210	12	,	,	PUNCT
easat-6885	210	13	a	a	DET
easat-6885	210	14	high	high	ADJ
easat-6885	210	15	ratio	ratio	NOUN
easat-6885	210	16	here	here	ADV
easat-6885	210	17	may	may	AUX
easat-6885	210	18	indicate	indicate	VERB
easat-6885	210	19	disproportionately	disproportionately	ADV
easat-6885	210	20	high	high	ADJ
easat-6885	210	21	costs	cost	NOUN
easat-6885	210	22	relative	relative	ADJ
easat-6885	210	23	to	to	ADP
easat-6885	210	24	income	income	NOUN
easat-6885	210	25	,	,	PUNCT
easat-6885	210	26	which	which	PRON
easat-6885	210	27	dilutes	dilute	VERB
easat-6885	210	28	its	its	PRON
easat-6885	210	29	effect	effect	NOUN
easat-6885	210	30	on	on	ADP
easat-6885	210	31	macroeconomic	macroeconomic	ADJ
easat-6885	210	32	variables	variable	NOUN
easat-6885	210	33	[	[	X
easat-6885	210	34	9	9	NUM
easat-6885	210	35	]	]	PUNCT
easat-6885	210	36	.	.	PUNCT
easat-6885	211	1	this	this	DET
easat-6885	211	2	inefficiency	inefficiency	NOUN
easat-6885	211	3	may	may	AUX
easat-6885	211	4	reflect	reflect	VERB
easat-6885	211	5	overinvestment	overinvestment	ADJ
easat-6885	211	6	in	in	ADP
easat-6885	211	7	user	user	NOUN
easat-6885	211	8	acquisition	acquisition	NOUN
easat-6885	211	9	or	or	CCONJ
easat-6885	211	10	technology	technology	NOUN
easat-6885	211	11	that	that	PRON
easat-6885	211	12	is	be	AUX
easat-6885	211	13	not	not	PART
easat-6885	211	14	yet	yet	ADV
easat-6885	211	15	monetized	monetize	VERB
easat-6885	211	16	at	at	ADP
easat-6885	211	17	scale	scale	NOUN
easat-6885	211	18	junarsin	junarsin	NOUN
easat-6885	211	19	,	,	PUNCT
easat-6885	211	20	et	et	PROPN
easat-6885	211	21	al	al	PROPN
easat-6885	211	22	.	.	PUNCT
easat-6885	212	1	[	[	X
easat-6885	212	2	7	7	NUM
easat-6885	212	3	]	]	PUNCT
easat-6885	212	4	.	.	PUNCT
easat-6885	213	1	mulska	mulska	PROPN
easat-6885	213	2	,	,	PUNCT
easat-6885	213	3	et	et	PROPN
easat-6885	213	4	al	al	PROPN
easat-6885	213	5	.	.	PUNCT
easat-6885	214	1	[	[	X
easat-6885	214	2	34	34	NUM
easat-6885	214	3	]	]	PUNCT
easat-6885	214	4	reinforce	reinforce	NOUN
easat-6885	214	5	this	this	DET
easat-6885	214	6	view	view	NOUN
easat-6885	214	7	by	by	ADP
easat-6885	214	8	identifying	identify	VERB
easat-6885	214	9	similar	similar	ADJ
easat-6885	214	10	challenges	challenge	NOUN
easat-6885	214	11	in	in	ADP
easat-6885	214	12	the	the	DET
easat-6885	214	13	cost	cost	NOUN
easat-6885	214	14	structure	structure	NOUN
easat-6885	214	15	of	of	ADP
easat-6885	214	16	banks	bank	NOUN
easat-6885	214	17	during	during	ADP
easat-6885	214	18	technological	technological	ADJ
easat-6885	214	19	transition	transition	NOUN
easat-6885	214	20	periods	period	NOUN
easat-6885	214	21	.	.	PUNCT
easat-6885	215	1	the	the	DET
easat-6885	215	2	interest	interest	NOUN
easat-6885	215	3	income	income	NOUN
easat-6885	215	4	share	share	NOUN
easat-6885	215	5	(	(	PUNCT
easat-6885	215	6	iis	iis	PROPN
easat-6885	215	7	)	)	PUNCT
easat-6885	215	8	variable	variable	NOUN
easat-6885	215	9	showed	show	VERB
easat-6885	215	10	the	the	DET
easat-6885	215	11	strongest	strong	ADJ
easat-6885	215	12	positive	positive	ADJ
easat-6885	215	13	effect	effect	NOUN
easat-6885	215	14	among	among	ADP
easat-6885	215	15	all	all	DET
easat-6885	215	16	independent	independent	ADJ
easat-6885	215	17	variables	variable	NOUN
easat-6885	215	18	.	.	PUNCT
easat-6885	216	1	a	a	DET
easat-6885	216	2	high	high	ADJ
easat-6885	216	3	iis	iis	NOUN
easat-6885	216	4	indicates	indicate	VERB
easat-6885	216	5	that	that	SCONJ
easat-6885	216	6	interest	interest	NOUN
easat-6885	216	7	-	-	PUNCT
easat-6885	216	8	based	base	VERB
easat-6885	216	9	revenue	revenue	NOUN
easat-6885	216	10	dominates	dominate	VERB
easat-6885	216	11	the	the	DET
easat-6885	216	12	firms	firm	NOUN
easat-6885	216	13	'	'	PART
easat-6885	216	14	income	income	NOUN
easat-6885	216	15	streams	stream	NOUN
easat-6885	216	16	,	,	PUNCT
easat-6885	216	17	underscoring	underscore	VERB
easat-6885	216	18	the	the	DET
easat-6885	216	19	critical	critical	ADJ
easat-6885	216	20	role	role	NOUN
easat-6885	216	21	of	of	ADP
easat-6885	216	22	lending	lending	NOUN
easat-6885	216	23	activities	activity	NOUN
easat-6885	216	24	in	in	ADP
easat-6885	216	25	shaping	shape	VERB
easat-6885	216	26	financial	financial	ADJ
easat-6885	216	27	performance	performance	NOUN
easat-6885	216	28	.	.	PUNCT
easat-6885	217	1	efficient	efficient	ADJ
easat-6885	217	2	interest	interest	NOUN
easat-6885	217	3	-	-	PUNCT
easat-6885	217	4	based	base	VERB
easat-6885	217	5	revenue	revenue	NOUN
easat-6885	217	6	generation	generation	NOUN
easat-6885	217	7	allows	allow	VERB
easat-6885	217	8	firms	firm	NOUN
easat-6885	217	9	to	to	PART
easat-6885	217	10	offer	offer	VERB
easat-6885	217	11	sustainable	sustainable	ADJ
easat-6885	217	12	and	and	CCONJ
easat-6885	217	13	scalable	scalable	ADJ
easat-6885	217	14	services	service	NOUN
easat-6885	217	15	,	,	PUNCT
easat-6885	217	16	reinforcing	reinforce	VERB
easat-6885	217	17	their	their	PRON
easat-6885	217	18	contribution	contribution	NOUN
easat-6885	217	19	to	to	ADP
easat-6885	217	20	gdp	gdp	NOUN
easat-6885	217	21	[	[	X
easat-6885	217	22	9	9	NUM
easat-6885	217	23	,	,	PUNCT
easat-6885	217	24	13	13	NUM
easat-6885	217	25	]	]	PUNCT
easat-6885	217	26	.	.	PUNCT
easat-6885	218	1	in	in	ADP
easat-6885	218	2	related	related	ADJ
easat-6885	218	3	work	work	NOUN
easat-6885	218	4	,	,	PUNCT
easat-6885	218	5	cornelli	cornelli	PROPN
easat-6885	218	6	,	,	PUNCT
easat-6885	218	7	et	et	PROPN
easat-6885	218	8	al	al	PROPN
easat-6885	218	9	.	.	PUNCT
easat-6885	219	1	[	[	X
easat-6885	219	2	27	27	NUM
easat-6885	219	3	]	]	PUNCT
easat-6885	219	4	also	also	ADV
easat-6885	219	5	identified	identify	VERB
easat-6885	219	6	that	that	SCONJ
easat-6885	219	7	wellbalanced	wellbalance	VERB
easat-6885	219	8	interest	interest	NOUN
easat-6885	219	9	income	income	NOUN
easat-6885	219	10	streams	stream	NOUN
easat-6885	219	11	are	be	AUX
easat-6885	219	12	central	central	ADJ
easat-6885	219	13	to	to	ADP
easat-6885	219	14	bank	bank	NOUN
easat-6885	219	15	profitability	profitability	NOUN
easat-6885	219	16	.	.	PUNCT
easat-6885	220	1	lastly	lastly	ADV
easat-6885	220	2	,	,	PUNCT
easat-6885	220	3	gender	gender	NOUN
easat-6885	220	4	-	-	PUNCT
easat-6885	220	5	based	base	VERB
easat-6885	220	6	analysis	analysis	NOUN
easat-6885	220	7	revealed	reveal	VERB
easat-6885	220	8	that	that	SCONJ
easat-6885	220	9	female	female	ADJ
easat-6885	220	10	users	user	NOUN
easat-6885	220	11	of	of	ADP
easat-6885	220	12	p2p	p2p	NOUN
easat-6885	220	13	lending	lending	NOUN
easat-6885	220	14	platforms	platform	NOUN
easat-6885	220	15	have	have	VERB
easat-6885	220	16	a	a	DET
easat-6885	220	17	significant	significant	ADJ
easat-6885	220	18	and	and	CCONJ
easat-6885	220	19	positive	positive	ADJ
easat-6885	220	20	influence	influence	NOUN
easat-6885	220	21	on	on	ADP
easat-6885	220	22	economic	economic	ADJ
easat-6885	220	23	growth	growth	NOUN
easat-6885	220	24	,	,	PUNCT
easat-6885	220	25	whereas	whereas	SCONJ
easat-6885	220	26	male	male	ADJ
easat-6885	220	27	users	user	NOUN
easat-6885	220	28	do	do	VERB
easat-6885	220	29	not	not	PART
easat-6885	220	30	.	.	PUNCT
easat-6885	221	1	this	this	DET
easat-6885	221	2	outcome	outcome	NOUN
easat-6885	221	3	aligns	align	VERB
easat-6885	221	4	with	with	ADP
easat-6885	221	5	prior	prior	ADJ
easat-6885	221	6	research	research	NOUN
easat-6885	221	7	suggesting	suggest	VERB
easat-6885	221	8	that	that	SCONJ
easat-6885	221	9	women	woman	NOUN
easat-6885	221	10	are	be	AUX
easat-6885	221	11	more	more	ADV
easat-6885	221	12	reliable	reliable	ADJ
easat-6885	221	13	in	in	ADP
easat-6885	221	14	loan	loan	NOUN
easat-6885	221	15	repayments	repayment	NOUN
easat-6885	221	16	and	and	CCONJ
easat-6885	221	17	tend	tend	VERB
easat-6885	221	18	to	to	PART
easat-6885	221	19	utilize	utilize	VERB
easat-6885	221	20	credit	credit	NOUN
easat-6885	221	21	for	for	ADP
easat-6885	221	22	productive	productive	ADJ
easat-6885	221	23	purposes	purpose	NOUN
easat-6885	221	24	such	such	ADJ
easat-6885	221	25	as	as	ADP
easat-6885	221	26	microenterprise	microenterprise	NOUN
easat-6885	221	27	development	development	NOUN
easat-6885	221	28	[	[	X
easat-6885	221	29	15	15	NUM
easat-6885	221	30	]	]	PUNCT
easat-6885	221	31	.	.	PUNCT
easat-6885	222	1	empowering	empower	VERB
easat-6885	222	2	female	female	ADJ
easat-6885	222	3	borrowers	borrower	NOUN
easat-6885	222	4	through	through	ADP
easat-6885	222	5	fintech	fintech	NOUN
easat-6885	222	6	platforms	platform	NOUN
easat-6885	222	7	not	not	PART
easat-6885	222	8	only	only	ADV
easat-6885	222	9	enhances	enhance	VERB
easat-6885	222	10	individual	individual	ADJ
easat-6885	222	11	financial	financial	ADJ
easat-6885	222	12	outcomes	outcome	NOUN
easat-6885	222	13	but	but	CCONJ
easat-6885	222	14	also	also	ADV
easat-6885	222	15	yields	yield	VERB
easat-6885	222	16	collective	collective	ADJ
easat-6885	222	17	macroeconomic	macroeconomic	ADJ
easat-6885	222	18	gains	gain	NOUN
easat-6885	222	19	.	.	PUNCT
easat-6885	223	1	similar	similar	ADJ
easat-6885	223	2	patterns	pattern	NOUN
easat-6885	223	3	were	be	AUX
easat-6885	223	4	observed	observe	VERB
easat-6885	223	5	in	in	ADP
easat-6885	223	6	emerging	emerge	VERB
easat-6885	223	7	markets	market	NOUN
easat-6885	223	8	such	such	ADJ
easat-6885	223	9	as	as	ADP
easat-6885	223	10	china	china	PROPN
easat-6885	223	11	and	and	CCONJ
easat-6885	223	12	india	india	PROPN
easat-6885	223	13	,	,	PUNCT
easat-6885	223	14	where	where	SCONJ
easat-6885	223	15	female	female	ADJ
easat-6885	223	16	borrowers	borrower	NOUN
easat-6885	223	17	have	have	AUX
easat-6885	223	18	been	be	AUX
easat-6885	223	19	shown	show	VERB
easat-6885	223	20	to	to	PART
easat-6885	223	21	contribute	contribute	VERB
easat-6885	223	22	more	more	ADV
easat-6885	223	23	consistently	consistently	ADV
easat-6885	223	24	to	to	ADP
easat-6885	223	25	the	the	DET
easat-6885	223	26	performance	performance	NOUN
easat-6885	223	27	of	of	ADP
easat-6885	223	28	microcredit	microcredit	NOUN
easat-6885	223	29	portfolios	portfolio	NOUN
easat-6885	223	30	[	[	X
easat-6885	223	31	15	15	NUM
easat-6885	223	32	,	,	PUNCT
easat-6885	223	33	20	20	NUM
easat-6885	223	34	]	]	PUNCT
easat-6885	223	35	.	.	PUNCT
easat-6885	224	1	furthermore	furthermore	ADV
easat-6885	224	2	,	,	PUNCT
easat-6885	224	3	wong	wong	PROPN
easat-6885	224	4	,	,	PUNCT
easat-6885	224	5	et	et	PROPN
easat-6885	224	6	al	al	PROPN
easat-6885	224	7	.	.	PUNCT
easat-6885	225	1	[	[	X
easat-6885	225	2	35	35	NUM
easat-6885	225	3	]	]	PUNCT
easat-6885	225	4	confirmed	confirm	VERB
easat-6885	225	5	disparities	disparity	NOUN
easat-6885	225	6	in	in	ADP
easat-6885	225	7	financial	financial	ADJ
easat-6885	225	8	behavior	behavior	NOUN
easat-6885	225	9	between	between	ADP
easat-6885	225	10	gender	gender	NOUN
easat-6885	225	11	groups	group	NOUN
easat-6885	225	12	,	,	PUNCT
easat-6885	225	13	reinforcing	reinforce	VERB
easat-6885	225	14	the	the	DET
easat-6885	225	15	role	role	NOUN
easat-6885	225	16	of	of	ADP
easat-6885	225	17	inclusive	inclusive	ADJ
easat-6885	225	18	fintech	fintech	NOUN
easat-6885	225	19	practices	practice	NOUN
easat-6885	225	20	.	.	PUNCT
easat-6885	226	1	in	in	ADP
easat-6885	226	2	summary	summary	NOUN
easat-6885	226	3	,	,	PUNCT
easat-6885	226	4	this	this	DET
easat-6885	226	5	study	study	NOUN
easat-6885	226	6	affirms	affirm	VERB
easat-6885	226	7	the	the	DET
easat-6885	226	8	economic	economic	ADJ
easat-6885	226	9	potential	potential	NOUN
easat-6885	226	10	of	of	ADP
easat-6885	226	11	fintech	fintech	NOUN
easat-6885	226	12	lending	lending	NOUN
easat-6885	226	13	sector	sector	NOUN
easat-6885	226	14	while	while	SCONJ
easat-6885	226	15	also	also	ADV
easat-6885	226	16	exposing	expose	VERB
easat-6885	226	17	key	key	ADJ
easat-6885	226	18	areas	area	NOUN
easat-6885	226	19	for	for	ADP
easat-6885	226	20	improvement	improvement	NOUN
easat-6885	226	21	,	,	PUNCT
easat-6885	226	22	particularly	particularly	ADV
easat-6885	226	23	in	in	ADP
easat-6885	226	24	asset	asset	NOUN
easat-6885	226	25	efficiency	efficiency	NOUN
easat-6885	226	26	,	,	PUNCT
easat-6885	226	27	cost	cost	NOUN
easat-6885	226	28	control	control	NOUN
easat-6885	226	29	,	,	PUNCT
easat-6885	226	30	and	and	CCONJ
easat-6885	226	31	inclusive	inclusive	ADJ
easat-6885	226	32	capital	capital	NOUN
easat-6885	226	33	deployment	deployment	NOUN
easat-6885	226	34	.	.	PUNCT
easat-6885	227	1	the	the	DET
easat-6885	227	2	results	result	NOUN
easat-6885	227	3	offer	offer	VERB
easat-6885	227	4	valuable	valuable	ADJ
easat-6885	227	5	insights	insight	NOUN
easat-6885	227	6	for	for	ADP
easat-6885	227	7	fintech	fintech	NOUN
easat-6885	227	8	practitioners	practitioner	NOUN
easat-6885	227	9	,	,	PUNCT
easat-6885	227	10	regulators	regulator	NOUN
easat-6885	227	11	,	,	PUNCT
easat-6885	227	12	and	and	CCONJ
easat-6885	227	13	policymakers	policymaker	NOUN
easat-6885	227	14	aiming	aim	VERB
easat-6885	227	15	to	to	PART
easat-6885	227	16	optimize	optimize	VERB
easat-6885	227	17	the	the	DET
easat-6885	227	18	sector	sector	NOUN
easat-6885	227	19	’s	’s	PART
easat-6885	227	20	contribution	contribution	NOUN
easat-6885	227	21	to	to	ADP
easat-6885	227	22	national	national	ADJ
easat-6885	227	23	economic	economic	ADJ
easat-6885	227	24	development	development	NOUN
easat-6885	227	25	.	.	PUNCT
easat-6885	228	1	these	these	DET
easat-6885	228	2	findings	finding	NOUN
easat-6885	228	3	are	be	AUX
easat-6885	228	4	also	also	ADV
easat-6885	228	5	consistent	consistent	ADJ
easat-6885	228	6	with	with	ADP
easat-6885	228	7	perspectives	perspective	NOUN
easat-6885	228	8	presented	present	VERB
easat-6885	228	9	by	by	ADP
easat-6885	228	10	ismanto	ismanto	PROPN
easat-6885	228	11	,	,	PUNCT
easat-6885	228	12	et	et	PROPN
easat-6885	228	13	al	al	PROPN
easat-6885	228	14	.	.	PUNCT
easat-6885	229	1	[	[	X
easat-6885	229	2	36	36	NUM
easat-6885	229	3	]	]	PUNCT
easat-6885	229	4	and	and	CCONJ
easat-6885	229	5	wong	wong	PROPN
easat-6885	229	6	,	,	PUNCT
easat-6885	229	7	et	et	PROPN
easat-6885	229	8	al	al	PROPN
easat-6885	229	9	.	.	PUNCT
easat-6885	230	1	[	[	X
easat-6885	230	2	35	35	NUM
easat-6885	230	3	]	]	PUNCT
easat-6885	230	4	who	who	PRON
easat-6885	230	5	highlighted	highlight	VERB
easat-6885	230	6	the	the	DET
easat-6885	230	7	transformational	transformational	ADJ
easat-6885	230	8	role	role	NOUN
easat-6885	230	9	of	of	ADP
easat-6885	230	10	digital	digital	ADJ
easat-6885	230	11	lending	lending	NOUN
easat-6885	230	12	in	in	ADP
easat-6885	230	13	emerging	emerge	VERB
easat-6885	230	14	markets	market	NOUN
easat-6885	230	15	.	.	PUNCT
easat-6885	231	1	in	in	ADP
easat-6885	231	2	addition	addition	NOUN
easat-6885	231	3	to	to	ADP
easat-6885	231	4	the	the	DET
easat-6885	231	5	financial	financial	ADJ
easat-6885	231	6	and	and	CCONJ
easat-6885	231	7	gender	gender	NOUN
easat-6885	231	8	-	-	PUNCT
easat-6885	231	9	based	base	VERB
easat-6885	231	10	determinants	determinant	NOUN
easat-6885	231	11	highlighted	highlight	VERB
easat-6885	231	12	in	in	ADP
easat-6885	231	13	this	this	DET
easat-6885	231	14	study	study	NOUN
easat-6885	231	15	,	,	PUNCT
easat-6885	231	16	the	the	DET
easat-6885	231	17	role	role	NOUN
easat-6885	231	18	of	of	ADP
easat-6885	231	19	fraud	fraud	NOUN
easat-6885	231	20	deterrence	deterrence	NOUN
easat-6885	231	21	within	within	ADP
easat-6885	231	22	the	the	DET
easat-6885	231	23	fintech	fintech	NOUN
easat-6885	231	24	ecosystem	ecosystem	NOUN
easat-6885	231	25	warrants	warrant	NOUN
easat-6885	231	26	closer	close	ADJ
easat-6885	231	27	attention	attention	NOUN
easat-6885	231	28	.	.	PUNCT
easat-6885	232	1	as	as	SCONJ
easat-6885	232	2	peer	peer	NOUN
easat-6885	232	3	-	-	PUNCT
easat-6885	232	4	to	to	ADP
easat-6885	232	5	-	-	PUNCT
easat-6885	232	6	peer	peer	NOUN
easat-6885	232	7	(	(	PUNCT
easat-6885	232	8	p2p	p2p	NOUN
easat-6885	232	9	)	)	PUNCT
easat-6885	232	10	lending	lending	NOUN
easat-6885	232	11	platforms	platform	NOUN
easat-6885	232	12	expand	expand	VERB
easat-6885	232	13	their	their	PRON
easat-6885	232	14	reach	reach	NOUN
easat-6885	232	15	,	,	PUNCT
easat-6885	232	16	particularly	particularly	ADV
easat-6885	232	17	among	among	ADP
easat-6885	232	18	female	female	ADJ
easat-6885	232	19	users	user	NOUN
easat-6885	232	20	who	who	PRON
easat-6885	232	21	exhibit	exhibit	VERB
easat-6885	232	22	more	more	ADV
easat-6885	232	23	reliable	reliable	ADJ
easat-6885	232	24	repayment	repayment	NOUN
easat-6885	232	25	behavior	behavior	NOUN
easat-6885	232	26	-	-	PUNCT
easat-6885	232	27	ensuring	ensure	VERB
easat-6885	232	28	the	the	DET
easat-6885	232	29	integrity	integrity	NOUN
easat-6885	232	30	of	of	ADP
easat-6885	232	31	digital	digital	ADJ
easat-6885	232	32	financial	financial	ADJ
easat-6885	232	33	services	service	NOUN
easat-6885	232	34	becomes	become	VERB
easat-6885	232	35	paramount	paramount	ADJ
easat-6885	232	36	.	.	PUNCT
easat-6885	233	1	fraud	fraud	NOUN
easat-6885	233	2	deterrence	deterrence	NOUN
easat-6885	233	3	is	be	AUX
easat-6885	233	4	increasingly	increasingly	ADV
easat-6885	233	5	recognized	recognize	VERB
easat-6885	233	6	as	as	ADP
easat-6885	233	7	a	a	DET
easat-6885	233	8	compliance	compliance	NOUN
easat-6885	233	9	mechanism	mechanism	NOUN
easat-6885	233	10	and	and	CCONJ
easat-6885	233	11	a	a	DET
easat-6885	233	12	strategic	strategic	ADJ
easat-6885	233	13	pillar	pillar	NOUN
easat-6885	233	14	that	that	PRON
easat-6885	233	15	enhances	enhance	VERB
easat-6885	233	16	institutional	institutional	ADJ
easat-6885	233	17	credibility	credibility	NOUN
easat-6885	233	18	and	and	CCONJ
easat-6885	233	19	operational	operational	ADJ
easat-6885	233	20	resilience	resilience	NOUN
easat-6885	233	21	.	.	PUNCT
easat-6885	234	1	fraud	fraud	NOUN
easat-6885	234	2	deterrence	deterrence	NOUN
easat-6885	234	3	refers	refer	VERB
easat-6885	234	4	to	to	ADP
easat-6885	234	5	efforts	effort	NOUN
easat-6885	234	6	that	that	PRON
easat-6885	234	7	proactively	proactively	ADV
easat-6885	234	8	minimize	minimize	VERB
easat-6885	234	9	the	the	DET
easat-6885	234	10	risk	risk	NOUN
easat-6885	234	11	of	of	ADP
easat-6885	234	12	fraudulent	fraudulent	ADJ
easat-6885	234	13	behavior	behavior	NOUN
easat-6885	234	14	by	by	ADP
easat-6885	234	15	increasing	increase	VERB
easat-6885	234	16	the	the	DET
easat-6885	234	17	perceived	perceive	VERB
easat-6885	234	18	likelihood	likelihood	NOUN
easat-6885	234	19	and	and	CCONJ
easat-6885	234	20	consequences	consequence	NOUN
easat-6885	234	21	of	of	ADP
easat-6885	234	22	detection	detection	NOUN
easat-6885	234	23	.	.	PUNCT
easat-6885	235	1	as	as	SCONJ
easat-6885	235	2	koerniawan	koerniawan	PROPN
easat-6885	235	3	et	et	PROPN
easat-6885	235	4	al	al	PROPN
easat-6885	235	5	.	.	PROPN
easat-6885	235	6	argue	argue	VERB
easat-6885	235	7	in	in	ADP
easat-6885	235	8	koerniawan	koerniawan	PROPN
easat-6885	235	9	,	,	PUNCT
easat-6885	235	10	et	et	PROPN
easat-6885	235	11	al	al	PROPN
easat-6885	235	12	.	.	PUNCT
easat-6885	236	1	[	[	X
easat-6885	236	2	37	37	NUM
easat-6885	236	3	]	]	PUNCT
easat-6885	236	4	deterrence	deterrence	NOUN
easat-6885	236	5	is	be	AUX
easat-6885	236	6	not	not	PART
easat-6885	236	7	solely	solely	ADV
easat-6885	236	8	about	about	ADP
easat-6885	236	9	systems	system	NOUN
easat-6885	236	10	and	and	CCONJ
easat-6885	236	11	controls	control	NOUN
easat-6885	236	12	,	,	PUNCT
easat-6885	236	13	but	but	CCONJ
easat-6885	236	14	also	also	ADV
easat-6885	236	15	hinges	hinge	VERB
easat-6885	236	16	on	on	ADP
easat-6885	236	17	managerial	managerial	ADJ
easat-6885	236	18	intention	intention	NOUN
easat-6885	236	19	and	and	CCONJ
easat-6885	236	20	ethical	ethical	ADJ
easat-6885	236	21	leadership	leadership	NOUN
easat-6885	236	22	through	through	ADP
easat-6885	236	23	the	the	DET
easat-6885	236	24	implementation	implementation	NOUN
easat-6885	236	25	of	of	ADP
easat-6885	236	26	fraud	fraud	NOUN
easat-6885	236	27	control	control	NOUN
easat-6885	236	28	programs	program	NOUN
easat-6885	236	29	(	(	PUNCT
easat-6885	236	30	fcps	fcps	PROPN
easat-6885	236	31	)	)	PUNCT
easat-6885	236	32	.	.	PUNCT
easat-6885	237	1	these	these	PRON
easat-6885	237	2	include	include	VERB
easat-6885	237	3	whistleblowing	whistleblowing	NOUN
easat-6885	237	4	mechanisms	mechanism	NOUN
easat-6885	237	5	,	,	PUNCT
easat-6885	237	6	real	real	ADJ
easat-6885	237	7	-	-	PUNCT
easat-6885	237	8	time	time	NOUN
easat-6885	237	9	internal	internal	ADJ
easat-6885	237	10	monitoring	monitoring	NOUN
easat-6885	237	11	,	,	PUNCT
easat-6885	237	12	and	and	CCONJ
easat-6885	237	13	organizational	organizational	ADJ
easat-6885	237	14	ethics	ethic	NOUN
easat-6885	237	15	reinforcement	reinforcement	NOUN
easat-6885	237	16	—	—	PUNCT
easat-6885	237	17	features	feature	VERB
easat-6885	237	18	that	that	PRON
easat-6885	237	19	are	be	AUX
easat-6885	237	20	particularly	particularly	ADV
easat-6885	237	21	vital	vital	ADJ
easat-6885	237	22	for	for	ADP
easat-6885	237	23	fintech	fintech	NOUN
easat-6885	237	24	institutions	institution	NOUN
easat-6885	237	25	operating	operate	VERB
easat-6885	237	26	in	in	ADP
easat-6885	237	27	high	high	ADJ
easat-6885	237	28	-	-	PUNCT
easat-6885	237	29	trust	trust	NOUN
easat-6885	237	30	,	,	PUNCT
easat-6885	237	31	low	low	ADJ
easat-6885	237	32	-	-	PUNCT
easat-6885	237	33	oversight	oversight	NOUN
easat-6885	237	34	environments	environment	NOUN
easat-6885	237	35	.	.	PUNCT
easat-6885	238	1	moreover	moreover	ADV
easat-6885	238	2	,	,	PUNCT
easat-6885	238	3	evidence	evidence	NOUN
easat-6885	238	4	from	from	ADP
easat-6885	238	5	west	west	PROPN
easat-6885	238	6	java	java	PROPN
easat-6885	238	7	’s	’s	PART
easat-6885	238	8	private	private	ADJ
easat-6885	238	9	healthcare	healthcare	NOUN
easat-6885	238	10	sector	sector	NOUN
easat-6885	238	11	suggests	suggest	VERB
easat-6885	238	12	that	that	SCONJ
easat-6885	238	13	fraud	fraud	NOUN
easat-6885	238	14	deterrence	deterrence	NOUN
easat-6885	238	15	practices	practice	NOUN
easat-6885	238	16	significantly	significantly	ADV
easat-6885	238	17	influence	influence	VERB
easat-6885	238	18	service	service	NOUN
easat-6885	238	19	reliability	reliability	NOUN
easat-6885	238	20	and	and	CCONJ
easat-6885	238	21	policy	policy	NOUN
easat-6885	238	22	effectiveness	effectiveness	NOUN
easat-6885	238	23	,	,	PUNCT
easat-6885	238	24	especially	especially	ADV
easat-6885	238	25	in	in	ADP
easat-6885	238	26	sectors	sector	NOUN
easat-6885	238	27	prone	prone	ADJ
easat-6885	238	28	to	to	ADP
easat-6885	238	29	asymmetric	asymmetric	ADJ
easat-6885	238	30	information	information	NOUN
easat-6885	238	31	such	such	ADJ
easat-6885	238	32	as	as	ADP
easat-6885	238	33	fintech	fintech	NOUN
easat-6885	238	34	[	[	X
easat-6885	238	35	38	38	NUM
easat-6885	238	36	]	]	PUNCT
easat-6885	238	37	.	.	PUNCT
easat-6885	239	1	when	when	SCONJ
easat-6885	239	2	fintech	fintech	NOUN
easat-6885	239	3	platforms	platform	NOUN
easat-6885	239	4	integrate	integrate	VERB
easat-6885	239	5	deterrence	deterrence	NOUN
easat-6885	239	6	measures	measure	NOUN
easat-6885	239	7	433	433	NUM
easat-6885	239	8	edelweiss	edelweiss	PROPN
easat-6885	239	9	applied	apply	VERB
easat-6885	239	10	science	science	NOUN
easat-6885	239	11	and	and	CCONJ
easat-6885	239	12	technology	technology	NOUN
easat-6885	239	13	issn	issn	PROPN
easat-6885	239	14	:	:	PUNCT
easat-6885	239	15	2576	2576	NUM
easat-6885	239	16	-	-	SYM
easat-6885	239	17	8484	8484	NUM
easat-6885	239	18	vol	vol	NOUN
easat-6885	239	19	.	.	PROPN
easat-6885	240	1	9	9	NUM
easat-6885	240	2	,	,	PUNCT
easat-6885	240	3	no	no	INTJ
easat-6885	240	4	.	.	NOUN
easat-6885	240	5	5	5	NUM
easat-6885	240	6	:	:	PUNCT
easat-6885	240	7	424	424	NUM
easat-6885	240	8	-	-	SYM
easat-6885	240	9	435	435	NUM
easat-6885	240	10	,	,	PUNCT
easat-6885	240	11	2025	2025	NUM
easat-6885	240	12	doi	doi	NOUN
easat-6885	240	13	:	:	PUNCT
easat-6885	240	14	10.55214/25768484.v9i5.6885	10.55214/25768484.v9i5.6885	NUM
easat-6885	240	15	©	©	NOUN
easat-6885	240	16	2025	2025	NUM
easat-6885	240	17	by	by	ADP
easat-6885	240	18	the	the	DET
easat-6885	240	19	authors	author	NOUN
easat-6885	240	20	;	;	PUNCT
easat-6885	240	21	licensee	licensee	PROPN
easat-6885	240	22	learning	learning	NOUN
easat-6885	240	23	gate	gate	NOUN
easat-6885	240	24	into	into	ADP
easat-6885	240	25	their	their	PRON
easat-6885	240	26	governance	governance	NOUN
easat-6885	240	27	architecture	architecture	NOUN
easat-6885	240	28	,	,	PUNCT
easat-6885	240	29	they	they	PRON
easat-6885	240	30	build	build	VERB
easat-6885	240	31	not	not	PART
easat-6885	240	32	only	only	ADV
easat-6885	240	33	user	user	NOUN
easat-6885	240	34	confidence	confidence	NOUN
easat-6885	240	35	but	but	CCONJ
easat-6885	240	36	also	also	ADV
easat-6885	240	37	systemic	systemic	ADJ
easat-6885	240	38	safeguards	safeguard	NOUN
easat-6885	240	39	against	against	ADP
easat-6885	240	40	reputational	reputational	ADJ
easat-6885	240	41	and	and	CCONJ
easat-6885	240	42	financial	financial	ADJ
easat-6885	240	43	loss	loss	NOUN
easat-6885	240	44	.	.	PUNCT
easat-6885	241	1	further	far	ADV
easat-6885	241	2	supporting	support	VERB
easat-6885	241	3	this	this	PRON
easat-6885	241	4	,	,	PUNCT
easat-6885	241	5	fraud	fraud	NOUN
easat-6885	241	6	deterrence	deterrence	NOUN
easat-6885	241	7	also	also	ADV
easat-6885	241	8	functions	function	VERB
easat-6885	241	9	as	as	ADP
easat-6885	241	10	a	a	DET
easat-6885	241	11	key	key	ADJ
easat-6885	241	12	enabler	enabler	NOUN
easat-6885	241	13	of	of	ADP
easat-6885	241	14	internal	internal	ADJ
easat-6885	241	15	control	control	NOUN
easat-6885	241	16	system	system	NOUN
easat-6885	241	17	quality	quality	NOUN
easat-6885	241	18	.	.	PUNCT
easat-6885	242	1	as	as	SCONJ
easat-6885	242	2	noted	note	VERB
easat-6885	242	3	by	by	ADP
easat-6885	242	4	koerniawan	koerniawan	PROPN
easat-6885	242	5	,	,	PUNCT
easat-6885	242	6	et	et	PROPN
easat-6885	242	7	al	al	PROPN
easat-6885	242	8	.	.	PUNCT
easat-6885	243	1	[	[	X
easat-6885	243	2	39	39	NUM
easat-6885	243	3	]	]	PUNCT
easat-6885	243	4	organizations	organization	NOUN
easat-6885	243	5	that	that	PRON
easat-6885	243	6	institutionalize	institutionalize	VERB
easat-6885	243	7	deterrence	deterrence	NOUN
easat-6885	243	8	mechanisms	mechanism	NOUN
easat-6885	243	9	demonstrate	demonstrate	VERB
easat-6885	243	10	stronger	strong	ADJ
easat-6885	243	11	internal	internal	ADJ
easat-6885	243	12	control	control	NOUN
easat-6885	243	13	structures	structure	NOUN
easat-6885	243	14	,	,	PUNCT
easat-6885	243	15	enhanced	enhance	VERB
easat-6885	243	16	transparency	transparency	NOUN
easat-6885	243	17	,	,	PUNCT
easat-6885	243	18	and	and	CCONJ
easat-6885	243	19	higher	high	ADJ
easat-6885	243	20	operational	operational	ADJ
easat-6885	243	21	sustainability	sustainability	NOUN
easat-6885	243	22	.	.	PUNCT
easat-6885	244	1	in	in	ADP
easat-6885	244	2	the	the	DET
easat-6885	244	3	context	context	NOUN
easat-6885	244	4	of	of	ADP
easat-6885	244	5	inclusive	inclusive	ADJ
easat-6885	244	6	fintech	fintech	NOUN
easat-6885	244	7	,	,	PUNCT
easat-6885	244	8	these	these	DET
easat-6885	244	9	mechanisms	mechanism	NOUN
easat-6885	244	10	help	help	VERB
easat-6885	244	11	ensure	ensure	VERB
easat-6885	244	12	that	that	SCONJ
easat-6885	244	13	expansion	expansion	NOUN
easat-6885	244	14	does	do	AUX
easat-6885	244	15	not	not	PART
easat-6885	244	16	come	come	VERB
easat-6885	244	17	at	at	ADP
easat-6885	244	18	the	the	DET
easat-6885	244	19	cost	cost	NOUN
easat-6885	244	20	of	of	ADP
easat-6885	244	21	integrity	integrity	NOUN
easat-6885	244	22	.	.	PUNCT
easat-6885	245	1	thus	thus	ADV
easat-6885	245	2	,	,	PUNCT
easat-6885	245	3	in	in	ADP
easat-6885	245	4	addition	addition	NOUN
easat-6885	245	5	to	to	ADP
easat-6885	245	6	expanding	expand	VERB
easat-6885	245	7	access	access	NOUN
easat-6885	245	8	,	,	PUNCT
easat-6885	245	9	p2p	p2p	NOUN
easat-6885	245	10	lending	lending	NOUN
easat-6885	245	11	platforms	platform	NOUN
easat-6885	245	12	must	must	AUX
easat-6885	245	13	embed	embed	VERB
easat-6885	245	14	robust	robust	ADJ
easat-6885	245	15	fraud	fraud	NOUN
easat-6885	245	16	deterrence	deterrence	NOUN
easat-6885	245	17	strategies	strategy	NOUN
easat-6885	245	18	to	to	PART
easat-6885	245	19	support	support	VERB
easat-6885	245	20	long	long	ADJ
easat-6885	245	21	-	-	PUNCT
easat-6885	245	22	term	term	NOUN
easat-6885	245	23	,	,	PUNCT
easat-6885	245	24	inclusive	inclusive	ADJ
easat-6885	245	25	economic	economic	ADJ
easat-6885	245	26	development	development	NOUN
easat-6885	245	27	.	.	PUNCT
easat-6885	246	1	6	6	X
easat-6885	246	2	.	.	X
easat-6885	246	3	conclusion	conclusion	NOUN
easat-6885	246	4	this	this	DET
easat-6885	246	5	study	study	NOUN
easat-6885	246	6	examined	examine	VERB
easat-6885	246	7	the	the	DET
easat-6885	246	8	impact	impact	NOUN
easat-6885	246	9	of	of	ADP
easat-6885	246	10	various	various	ADJ
easat-6885	246	11	financial	financial	ADJ
easat-6885	246	12	performance	performance	NOUN
easat-6885	246	13	indicators	indicator	NOUN
easat-6885	246	14	,	,	PUNCT
easat-6885	246	15	gender	gender	NOUN
easat-6885	246	16	-	-	PUNCT
easat-6885	246	17	based	base	VERB
easat-6885	246	18	user	user	NOUN
easat-6885	246	19	participation	participation	NOUN
easat-6885	246	20	,	,	PUNCT
easat-6885	246	21	and	and	CCONJ
easat-6885	246	22	governance	governance	NOUN
easat-6885	246	23	aspects	aspect	NOUN
easat-6885	246	24	—	—	PUNCT
easat-6885	246	25	specifically	specifically	ADV
easat-6885	246	26	fraud	fraud	NOUN
easat-6885	246	27	deterrence	deterrence	NOUN
easat-6885	246	28	—	—	PUNCT
easat-6885	246	29	on	on	ADP
easat-6885	246	30	indonesia	indonesia	PROPN
easat-6885	246	31	’s	’s	PART
easat-6885	246	32	economic	economic	ADJ
easat-6885	246	33	growth	growth	NOUN
easat-6885	246	34	,	,	PUNCT
easat-6885	246	35	as	as	SCONJ
easat-6885	246	36	measured	measure	VERB
easat-6885	246	37	by	by	ADP
easat-6885	246	38	gross	gross	ADJ
easat-6885	246	39	domestic	domestic	ADJ
easat-6885	246	40	product	product	NOUN
easat-6885	246	41	(	(	PUNCT
easat-6885	246	42	gdp	gdp	NOUN
easat-6885	246	43	)	)	PUNCT
easat-6885	246	44	.	.	PUNCT
easat-6885	247	1	the	the	DET
easat-6885	247	2	analysis	analysis	NOUN
easat-6885	247	3	revealed	reveal	VERB
easat-6885	247	4	that	that	SCONJ
easat-6885	247	5	net	net	ADJ
easat-6885	247	6	interest	interest	NOUN
easat-6885	247	7	margin	margin	NOUN
easat-6885	247	8	(	(	PUNCT
easat-6885	247	9	nim	nim	NOUN
easat-6885	247	10	)	)	PUNCT
easat-6885	247	11	,	,	PUNCT
easat-6885	247	12	company	company	NOUN
easat-6885	247	13	scale	scale	NOUN
easat-6885	247	14	(	(	PUNCT
easat-6885	247	15	size	size	NOUN
easat-6885	247	16	)	)	PUNCT
easat-6885	247	17	,	,	PUNCT
easat-6885	247	18	interest	interest	NOUN
easat-6885	247	19	income	income	NOUN
easat-6885	247	20	share	share	NOUN
easat-6885	247	21	(	(	PUNCT
easat-6885	247	22	iis	iis	PROPN
easat-6885	247	23	)	)	PUNCT
easat-6885	247	24	,	,	PUNCT
easat-6885	247	25	and	and	CCONJ
easat-6885	247	26	female	female	ADJ
easat-6885	247	27	user	user	NOUN
easat-6885	247	28	participation	participation	NOUN
easat-6885	247	29	had	have	VERB
easat-6885	247	30	statistically	statistically	ADV
easat-6885	247	31	significant	significant	ADJ
easat-6885	247	32	positive	positive	ADJ
easat-6885	247	33	effects	effect	NOUN
easat-6885	247	34	on	on	ADP
easat-6885	247	35	gdp	gdp	NOUN
easat-6885	247	36	.	.	PUNCT
easat-6885	248	1	these	these	DET
easat-6885	248	2	findings	finding	NOUN
easat-6885	248	3	emphasize	emphasize	VERB
easat-6885	248	4	the	the	DET
easat-6885	248	5	importance	importance	NOUN
easat-6885	248	6	of	of	ADP
easat-6885	248	7	scalable	scalable	ADJ
easat-6885	248	8	,	,	PUNCT
easat-6885	248	9	inclusive	inclusive	ADJ
easat-6885	248	10	,	,	PUNCT
easat-6885	248	11	and	and	CCONJ
easat-6885	248	12	integrity	integrity	NOUN
easat-6885	248	13	-	-	PUNCT
easat-6885	248	14	driven	drive	VERB
easat-6885	248	15	fintech	fintech	NOUN
easat-6885	248	16	lending	lending	NOUN
easat-6885	248	17	models	model	NOUN
easat-6885	248	18	in	in	ADP
easat-6885	248	19	fostering	foster	VERB
easat-6885	248	20	national	national	ADJ
easat-6885	248	21	development	development	NOUN
easat-6885	248	22	.	.	PUNCT
easat-6885	249	1	notably	notably	ADV
easat-6885	249	2	,	,	PUNCT
easat-6885	249	3	the	the	DET
easat-6885	249	4	inclusion	inclusion	NOUN
easat-6885	249	5	of	of	ADP
easat-6885	249	6	fraud	fraud	NOUN
easat-6885	249	7	deterrence	deterrence	NOUN
easat-6885	249	8	as	as	ADP
easat-6885	249	9	a	a	DET
easat-6885	249	10	strategic	strategic	ADJ
easat-6885	249	11	governance	governance	NOUN
easat-6885	249	12	component	component	NOUN
easat-6885	249	13	underscores	underscore	VERB
easat-6885	249	14	its	its	PRON
easat-6885	249	15	role	role	NOUN
easat-6885	249	16	in	in	ADP
easat-6885	249	17	enhancing	enhance	VERB
easat-6885	249	18	transparency	transparency	NOUN
easat-6885	249	19	,	,	PUNCT
easat-6885	249	20	reducing	reduce	VERB
easat-6885	249	21	operational	operational	ADJ
easat-6885	249	22	risk	risk	NOUN
easat-6885	249	23	,	,	PUNCT
easat-6885	249	24	and	and	CCONJ
easat-6885	249	25	building	build	VERB
easat-6885	249	26	trust	trust	NOUN
easat-6885	249	27	among	among	ADP
easat-6885	249	28	underserved	underserved	ADJ
easat-6885	249	29	borrower	borrower	NOUN
easat-6885	249	30	groups	group	NOUN
easat-6885	249	31	.	.	PUNCT
easat-6885	250	1	effective	effective	ADJ
easat-6885	250	2	deterrence	deterrence	NOUN
easat-6885	250	3	mechanisms	mechanism	NOUN
easat-6885	250	4	—	—	PUNCT
easat-6885	250	5	such	such	ADJ
easat-6885	250	6	as	as	ADP
easat-6885	250	7	fraud	fraud	NOUN
easat-6885	250	8	control	control	NOUN
easat-6885	250	9	programs	program	NOUN
easat-6885	250	10	and	and	CCONJ
easat-6885	250	11	ethical	ethical	ADJ
easat-6885	250	12	oversight	oversight	NOUN
easat-6885	250	13	—	—	PUNCT
easat-6885	250	14	support	support	NOUN
easat-6885	250	15	not	not	PART
easat-6885	250	16	only	only	ADV
easat-6885	250	17	financial	financial	ADJ
easat-6885	250	18	sustainability	sustainability	NOUN
easat-6885	250	19	but	but	CCONJ
easat-6885	250	20	also	also	ADV
easat-6885	250	21	the	the	DET
easat-6885	250	22	social	social	ADJ
easat-6885	250	23	inclusivity	inclusivity	NOUN
easat-6885	250	24	of	of	ADP
easat-6885	250	25	digital	digital	ADJ
easat-6885	250	26	finance	finance	NOUN
easat-6885	250	27	.	.	PUNCT
easat-6885	251	1	collectively	collectively	ADV
easat-6885	251	2	,	,	PUNCT
easat-6885	251	3	these	these	DET
easat-6885	251	4	findings	finding	NOUN
easat-6885	251	5	suggest	suggest	VERB
easat-6885	251	6	that	that	SCONJ
easat-6885	251	7	the	the	DET
easat-6885	251	8	macroeconomic	macroeconomic	ADJ
easat-6885	251	9	potential	potential	NOUN
easat-6885	251	10	of	of	ADP
easat-6885	251	11	fintech	fintech	NOUN
easat-6885	251	12	will	will	AUX
easat-6885	251	13	be	be	AUX
easat-6885	251	14	most	most	ADV
easat-6885	251	15	fully	fully	ADV
easat-6885	251	16	realized	realize	VERB
easat-6885	251	17	through	through	ADP
easat-6885	251	18	an	an	DET
easat-6885	251	19	integrated	integrated	ADJ
easat-6885	251	20	approach	approach	NOUN
easat-6885	251	21	that	that	PRON
easat-6885	251	22	combines	combine	VERB
easat-6885	251	23	financial	financial	ADJ
easat-6885	251	24	efficiency	efficiency	NOUN
easat-6885	251	25	,	,	PUNCT
easat-6885	251	26	gender	gender	NOUN
easat-6885	251	27	equity	equity	NOUN
easat-6885	251	28	,	,	PUNCT
easat-6885	251	29	and	and	CCONJ
easat-6885	251	30	robust	robust	ADJ
easat-6885	251	31	internal	internal	ADJ
easat-6885	251	32	governance	governance	NOUN
easat-6885	251	33	.	.	PUNCT
easat-6885	252	1	future	future	ADJ
easat-6885	252	2	policy	policy	NOUN
easat-6885	252	3	and	and	CCONJ
easat-6885	252	4	innovation	innovation	NOUN
easat-6885	252	5	efforts	effort	NOUN
easat-6885	252	6	should	should	AUX
easat-6885	252	7	therefore	therefore	ADV
easat-6885	252	8	prioritize	prioritize	VERB
easat-6885	252	9	both	both	DET
easat-6885	252	10	inclusive	inclusive	ADJ
easat-6885	252	11	access	access	NOUN
easat-6885	252	12	and	and	CCONJ
easat-6885	252	13	systemic	systemic	ADJ
easat-6885	252	14	safeguards	safeguard	NOUN
easat-6885	252	15	to	to	PART
easat-6885	252	16	ensure	ensure	VERB
easat-6885	252	17	long	long	ADJ
easat-6885	252	18	-	-	PUNCT
easat-6885	252	19	term	term	NOUN
easat-6885	252	20	socioeconomic	socioeconomic	ADJ
easat-6885	252	21	impact	impact	NOUN
easat-6885	252	22	.	.	PUNCT
easat-6885	253	1	transparency	transparency	NOUN
easat-6885	253	2	:	:	PUNCT
easat-6885	253	3	the	the	DET
easat-6885	253	4	authors	author	NOUN
easat-6885	253	5	confirm	confirm	VERB
easat-6885	253	6	that	that	SCONJ
easat-6885	253	7	the	the	DET
easat-6885	253	8	manuscript	manuscript	NOUN
easat-6885	253	9	is	be	AUX
easat-6885	253	10	an	an	DET
easat-6885	253	11	honest	honest	ADJ
easat-6885	253	12	,	,	PUNCT
easat-6885	253	13	accurate	accurate	ADJ
easat-6885	253	14	,	,	PUNCT
easat-6885	253	15	and	and	CCONJ
easat-6885	253	16	transparent	transparent	ADJ
easat-6885	253	17	account	account	NOUN
easat-6885	253	18	of	of	ADP
easat-6885	253	19	the	the	DET
easat-6885	253	20	study	study	NOUN
easat-6885	253	21	;	;	PUNCT
easat-6885	253	22	that	that	SCONJ
easat-6885	253	23	no	no	DET
easat-6885	253	24	vital	vital	ADJ
easat-6885	253	25	features	feature	NOUN
easat-6885	253	26	of	of	ADP
easat-6885	253	27	the	the	DET
easat-6885	253	28	study	study	NOUN
easat-6885	253	29	have	have	AUX
easat-6885	253	30	been	be	AUX
easat-6885	253	31	omitted	omit	VERB
easat-6885	253	32	;	;	PUNCT
easat-6885	253	33	and	and	CCONJ
easat-6885	253	34	that	that	SCONJ
easat-6885	253	35	any	any	DET
easat-6885	253	36	discrepancies	discrepancy	NOUN
easat-6885	253	37	from	from	ADP
easat-6885	253	38	the	the	DET
easat-6885	253	39	study	study	NOUN
easat-6885	253	40	as	as	SCONJ
easat-6885	253	41	planned	plan	VERB
easat-6885	253	42	have	have	AUX
easat-6885	253	43	been	be	AUX
easat-6885	253	44	explained	explain	VERB
easat-6885	253	45	.	.	PUNCT
easat-6885	254	1	this	this	DET
easat-6885	254	2	study	study	NOUN
easat-6885	254	3	followed	follow	VERB
easat-6885	254	4	all	all	DET
easat-6885	254	5	ethical	ethical	ADJ
easat-6885	254	6	practices	practice	NOUN
easat-6885	254	7	during	during	ADP
easat-6885	254	8	writing	writing	NOUN
easat-6885	254	9	.	.	PUNCT
easat-6885	255	1	copyright	copyright	NOUN
easat-6885	255	2	:	:	PUNCT
easat-6885	255	3	©	©	PROPN
easat-6885	255	4	2025	2025	NUM
easat-6885	255	5	by	by	ADP
easat-6885	255	6	the	the	DET
easat-6885	255	7	authors	author	NOUN
easat-6885	255	8	.	.	PUNCT
easat-6885	256	1	this	this	DET
easat-6885	256	2	open	open	ADJ
easat-6885	256	3	-	-	PUNCT
easat-6885	256	4	access	access	NOUN
easat-6885	256	5	article	article	NOUN
easat-6885	256	6	is	be	AUX
easat-6885	256	7	distributed	distribute	VERB
easat-6885	256	8	under	under	ADP
easat-6885	256	9	the	the	DET
easat-6885	256	10	terms	term	NOUN
easat-6885	256	11	and	and	CCONJ
easat-6885	256	12	conditions	condition	NOUN
easat-6885	256	13	of	of	ADP
easat-6885	256	14	the	the	DET
easat-6885	256	15	creative	creative	ADJ
easat-6885	256	16	commons	common	NOUN
easat-6885	256	17	attribution	attribution	NOUN
easat-6885	256	18	(	(	PUNCT
easat-6885	256	19	cc	cc	NOUN
easat-6885	256	20	by	by	ADP
easat-6885	256	21	)	)	PUNCT
easat-6885	256	22	license	license	NOUN
easat-6885	256	23	(	(	PUNCT
easat-6885	256	24	https://creativecommons.org/licenses/by/4.0/	https://creativecommons.org/licenses/by/4.0/	PROPN
easat-6885	256	25	)	)	PUNCT
easat-6885	256	26	.	.	PUNCT
easat-6885	257	1	references	reference	NOUN
easat-6885	257	2	[	[	X
easat-6885	257	3	1	1	NUM
easat-6885	257	4	]	]	PUNCT
easat-6885	257	5	h.	h.	PROPN
easat-6885	257	6	mudjahidin	mudjahidin	PROPN
easat-6885	257	7	,	,	PUNCT
easat-6885	257	8	a.	a.	PROPN
easat-6885	257	9	a.	a.	PROPN
easat-6885	257	10	hidayat	hidayat	PROPN
easat-6885	257	11	,	,	PUNCT
easat-6885	257	12	and	and	CCONJ
easat-6885	257	13	a.	a.	PROPN
easat-6885	257	14	p.	p.	PROPN
easat-6885	257	15	aristio	aristio	PROPN
easat-6885	257	16	,	,	PUNCT
easat-6885	257	17	"	"	PUNCT
easat-6885	257	18	conceptual	conceptual	ADJ
easat-6885	257	19	model	model	NOUN
easat-6885	257	20	of	of	ADP
easat-6885	257	21	utilization	utilization	NOUN
easat-6885	257	22	behavior	behavior	NOUN
easat-6885	257	23	for	for	ADP
easat-6885	257	24	peer	peer	NOUN
easat-6885	257	25	-	-	PUNCT
easat-6885	257	26	to	to	ADP
easat-6885	257	27	-	-	PUNCT
easat-6885	257	28	peer	peer	NOUN
easat-6885	257	29	lending	lending	NOUN
easat-6885	257	30	in	in	ADP
easat-6885	257	31	indonesia	indonesia	PROPN
easat-6885	257	32	,	,	PUNCT
easat-6885	257	33	"	"	PUNCT
easat-6885	257	34	procedia	procedia	NOUN
easat-6885	257	35	computer	computer	NOUN
easat-6885	257	36	science	science	NOUN
easat-6885	257	37	,	,	PUNCT
easat-6885	257	38	vol	vol	NOUN
easat-6885	257	39	.	.	PROPN
easat-6885	257	40	197	197	NUM
easat-6885	257	41	,	,	PUNCT
easat-6885	257	42	pp	pp	ADJ
easat-6885	257	43	.	.	PUNCT
easat-6885	258	1	215–222	215–222	NUM
easat-6885	258	2	,	,	PUNCT
easat-6885	258	3	2022	2022	NUM
easat-6885	258	4	.	.	PUNCT
easat-6885	259	1	https://doi.org/10.1016/j.procs.2022.01.030	https://doi.org/10.1016/j.procs.2022.01.030	NOUN
easat-6885	259	2	[	[	X
easat-6885	259	3	2	2	NUM
easat-6885	259	4	]	]	PUNCT
easat-6885	259	5	r.	r.	PROPN
easat-6885	259	6	r.	r.	PROPN
easat-6885	259	7	suryono	suryono	PROPN
easat-6885	259	8	,	,	PUNCT
easat-6885	259	9	b.	b.	PROPN
easat-6885	259	10	purwandari	purwandari	NOUN
easat-6885	259	11	,	,	PUNCT
easat-6885	259	12	and	and	CCONJ
easat-6885	259	13	i.	i.	PROPN
easat-6885	259	14	budi	budi	PROPN
easat-6885	259	15	,	,	PUNCT
easat-6885	259	16	"	"	PUNCT
easat-6885	259	17	peer	peer	NOUN
easat-6885	259	18	to	to	ADP
easat-6885	259	19	peer	peer	NOUN
easat-6885	259	20	(	(	PUNCT
easat-6885	259	21	p2p	p2p	NOUN
easat-6885	259	22	)	)	PUNCT
easat-6885	259	23	lending	lending	NOUN
easat-6885	259	24	problems	problem	NOUN
easat-6885	259	25	and	and	CCONJ
easat-6885	259	26	potential	potential	ADJ
easat-6885	259	27	solutions	solution	NOUN
easat-6885	259	28	:	:	PUNCT
easat-6885	259	29	a	a	DET
easat-6885	259	30	systematic	systematic	ADJ
easat-6885	259	31	literature	literature	NOUN
easat-6885	259	32	review	review	NOUN
easat-6885	259	33	,	,	PUNCT
easat-6885	259	34	"	"	PUNCT
easat-6885	259	35	procedia	procedia	NOUN
easat-6885	259	36	computer	computer	NOUN
easat-6885	259	37	science	science	NOUN
easat-6885	259	38	,	,	PUNCT
easat-6885	259	39	vol	vol	NOUN
easat-6885	259	40	.	.	PROPN
easat-6885	259	41	161	161	NUM
easat-6885	259	42	,	,	PUNCT
easat-6885	259	43	pp	pp	ADJ
easat-6885	259	44	.	.	PUNCT
easat-6885	260	1	204	204	NUM
easat-6885	260	2	-	-	SYM
easat-6885	260	3	214	214	NUM
easat-6885	260	4	,	,	PUNCT
easat-6885	260	5	2019	2019	NUM
easat-6885	260	6	.	.	PUNCT
easat-6885	260	7	https://doi.org/10.1016/j.procs.2019.11.104	https://doi.org/10.1016/j.procs.2019.11.104	X
easat-6885	261	1	[	[	X
easat-6885	261	2	3	3	X
easat-6885	261	3	]	]	X
easat-6885	261	4	f.	f.	PROPN
easat-6885	261	5	j.	j.	PROPN
easat-6885	261	6	willyams	willyams	PROPN
easat-6885	261	7	and	and	CCONJ
easat-6885	261	8	h.	h.	PROPN
easat-6885	261	9	yusuf	yusuf	PROPN
easat-6885	261	10	,	,	PUNCT
easat-6885	261	11	"	"	PUNCT
easat-6885	261	12	the	the	DET
easat-6885	261	13	role	role	NOUN
easat-6885	261	14	of	of	ADP
easat-6885	261	15	the	the	DET
easat-6885	261	16	financial	financial	ADJ
easat-6885	261	17	services	service	NOUN
easat-6885	261	18	authority	authority	NOUN
easat-6885	261	19	in	in	ADP
easat-6885	261	20	preventing	prevent	VERB
easat-6885	261	21	banking	banking	NOUN
easat-6885	261	22	crimes	crime	NOUN
easat-6885	261	23	and	and	CCONJ
easat-6885	261	24	money	money	NOUN
easat-6885	261	25	laundering	laundering	NOUN
easat-6885	261	26	in	in	ADP
easat-6885	261	27	indonesia	indonesia	PROPN
easat-6885	261	28	,	,	PUNCT
easat-6885	261	29	"	"	PUNCT
easat-6885	261	30	jurnal	jurnal	ADJ
easat-6885	261	31	intelek	intelek	PROPN
easat-6885	261	32	insan	insan	PROPN
easat-6885	261	33	cendikia	cendikia	PROPN
easat-6885	261	34	,	,	PUNCT
easat-6885	261	35	vol	vol	NOUN
easat-6885	261	36	.	.	PROPN
easat-6885	261	37	1	1	NUM
easat-6885	261	38	,	,	PUNCT
easat-6885	261	39	no	no	INTJ
easat-6885	261	40	.	.	NOUN
easat-6885	261	41	9	9	NUM
easat-6885	261	42	,	,	PUNCT
easat-6885	261	43	pp	pp	ADJ
easat-6885	261	44	.	.	PUNCT
easat-6885	262	1	5292	5292	NUM
easat-6885	262	2	-	-	SYM
easat-6885	262	3	5308	5308	NUM
easat-6885	262	4	,	,	PUNCT
easat-6885	262	5	2024	2024	NUM
easat-6885	262	6	.	.	PUNCT
easat-6885	263	1	[	[	X
easat-6885	263	2	4	4	X
easat-6885	263	3	]	]	PUNCT
easat-6885	263	4	s.	s.	PROPN
easat-6885	263	5	a.	a.	PROPN
easat-6885	263	6	al	al	PROPN
easat-6885	263	7	-	-	PUNCT
easat-6885	263	8	shami	shami	PROPN
easat-6885	263	9	,	,	PUNCT
easat-6885	263	10	r.	r.	PROPN
easat-6885	263	11	damayanti	damayanti	PROPN
easat-6885	263	12	,	,	PUNCT
easat-6885	263	13	h.	h.	PROPN
easat-6885	263	14	adil	adil	PROPN
easat-6885	263	15	,	,	PUNCT
easat-6885	263	16	and	and	CCONJ
easat-6885	263	17	f.	f.	PROPN
easat-6885	263	18	farhi	farhi	PROPN
easat-6885	263	19	,	,	PUNCT
easat-6885	263	20	"	"	PUNCT
easat-6885	263	21	financial	financial	ADJ
easat-6885	263	22	and	and	CCONJ
easat-6885	263	23	digital	digital	ADJ
easat-6885	263	24	financial	financial	ADJ
easat-6885	263	25	literacy	literacy	NOUN
easat-6885	263	26	through	through	ADP
easat-6885	263	27	social	social	ADJ
easat-6885	263	28	media	medium	NOUN
easat-6885	263	29	use	use	NOUN
easat-6885	263	30	towards	towards	ADP
easat-6885	263	31	financial	financial	ADJ
easat-6885	263	32	inclusion	inclusion	NOUN
easat-6885	263	33	among	among	ADP
easat-6885	263	34	batik	batik	NOUN
easat-6885	263	35	small	small	ADJ
easat-6885	263	36	enterprises	enterprise	NOUN
easat-6885	263	37	in	in	ADP
easat-6885	263	38	indonesia	indonesia	PROPN
easat-6885	263	39	,	,	PUNCT
easat-6885	263	40	"	"	PUNCT
easat-6885	263	41	heliyon	heliyon	NOUN
easat-6885	263	42	,	,	PUNCT
easat-6885	263	43	vol	vol	NOUN
easat-6885	263	44	.	.	PROPN
easat-6885	263	45	10	10	NUM
easat-6885	263	46	,	,	PUNCT
easat-6885	263	47	no	no	INTJ
easat-6885	263	48	.	.	NOUN
easat-6885	263	49	15	15	NUM
easat-6885	263	50	,	,	PUNCT
easat-6885	263	51	p.	p.	NOUN
easat-6885	263	52	e34902	e34902	PROPN
easat-6885	263	53	,	,	PUNCT
easat-6885	263	54	2024	2024	NUM
easat-6885	263	55	.	.	PUNCT
easat-6885	264	1	https://doi.org/10.1016/j.heliyon.2024.e34902	https://doi.org/10.1016/j.heliyon.2024.e34902	PUNCT
easat-6885	265	1	[	[	X
easat-6885	265	2	5	5	NUM
easat-6885	265	3	]	]	PUNCT
easat-6885	265	4	r.	r.	PROPN
easat-6885	265	5	r.	r.	PROPN
easat-6885	265	6	suryono	suryono	PROPN
easat-6885	265	7	,	,	PUNCT
easat-6885	265	8	i.	i.	PROPN
easat-6885	265	9	budi	budi	PROPN
easat-6885	265	10	,	,	PUNCT
easat-6885	265	11	and	and	CCONJ
easat-6885	265	12	b.	b.	PROPN
easat-6885	265	13	purwandari	purwandari	NOUN
easat-6885	265	14	,	,	PUNCT
easat-6885	265	15	"	"	PUNCT
easat-6885	265	16	detection	detection	NOUN
easat-6885	265	17	of	of	ADP
easat-6885	265	18	fintech	fintech	NOUN
easat-6885	265	19	p2p	p2p	NOUN
easat-6885	265	20	lending	lending	NOUN
easat-6885	265	21	issues	issue	NOUN
easat-6885	265	22	in	in	ADP
easat-6885	265	23	indonesia	indonesia	PROPN
easat-6885	265	24	,	,	PUNCT
easat-6885	265	25	"	"	PUNCT
easat-6885	265	26	heliyon	heliyon	NOUN
easat-6885	265	27	,	,	PUNCT
easat-6885	265	28	vol	vol	NOUN
easat-6885	265	29	.	.	PROPN
easat-6885	265	30	7	7	NUM
easat-6885	265	31	,	,	PUNCT
easat-6885	265	32	no	no	INTJ
easat-6885	265	33	.	.	NOUN
easat-6885	265	34	4	4	NUM
easat-6885	265	35	,	,	PUNCT
easat-6885	265	36	p.	p.	NOUN
easat-6885	265	37	e06782	e06782	PROPN
easat-6885	265	38	,	,	PUNCT
easat-6885	265	39	2021	2021	NUM
easat-6885	265	40	.	.	PUNCT
easat-6885	265	41	https://doi.org/10.1016/j.heliyon.2021.e06782	https://doi.org/10.1016/j.heliyon.2021.e06782	X
easat-6885	266	1	[	[	X
easat-6885	266	2	6	6	NUM
easat-6885	266	3	]	]	PUNCT
easat-6885	266	4	t.	t.	NOUN
easat-6885	266	5	a.	a.	NOUN
easat-6885	266	6	siddiqui	siddiqui	PROPN
easat-6885	266	7	and	and	CCONJ
easat-6885	266	8	k.	k.	PROPN
easat-6885	266	9	i.	i.	PROPN
easat-6885	266	10	siddiqui	siddiqui	PROPN
easat-6885	266	11	,	,	PUNCT
easat-6885	266	12	"	"	PUNCT
easat-6885	266	13	fintech	fintech	NOUN
easat-6885	266	14	in	in	ADP
easat-6885	266	15	india	india	PROPN
easat-6885	266	16	:	:	PUNCT
easat-6885	266	17	an	an	DET
easat-6885	266	18	analysis	analysis	NOUN
easat-6885	266	19	on	on	ADP
easat-6885	266	20	impact	impact	NOUN
easat-6885	266	21	of	of	ADP
easat-6885	266	22	telecommunication	telecommunication	NOUN
easat-6885	266	23	on	on	ADP
easat-6885	266	24	financial	financial	ADJ
easat-6885	266	25	inclusion	inclusion	NOUN
easat-6885	266	26	,	,	PUNCT
easat-6885	266	27	"	"	PUNCT
easat-6885	266	28	strategic	strategic	ADJ
easat-6885	266	29	change	change	NOUN
easat-6885	266	30	,	,	PUNCT
easat-6885	266	31	vol	vol	NOUN
easat-6885	266	32	.	.	PROPN
easat-6885	266	33	29	29	NUM
easat-6885	266	34	,	,	PUNCT
easat-6885	266	35	no	no	INTJ
easat-6885	266	36	.	.	NOUN
easat-6885	266	37	3	3	NUM
easat-6885	266	38	,	,	PUNCT
easat-6885	266	39	pp	pp	ADJ
easat-6885	266	40	.	.	PUNCT
easat-6885	267	1	321	321	NUM
easat-6885	267	2	-	-	SYM
easat-6885	267	3	330	330	NUM
easat-6885	267	4	,	,	PUNCT
easat-6885	267	5	2020	2020	NUM
easat-6885	267	6	.	.	PUNCT
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easat-6885	268	4	]	]	X
easat-6885	268	5	e.	e.	PROPN
easat-6885	268	6	junarsin	junarsin	PROPN
easat-6885	268	7	,	,	PUNCT
easat-6885	268	8	r.	r.	PROPN
easat-6885	268	9	y.	y.	PROPN
easat-6885	268	10	pelawi	pelawi	PROPN
easat-6885	268	11	,	,	PUNCT
easat-6885	268	12	j.	j.	PROPN
easat-6885	268	13	kristanto	kristanto	PROPN
easat-6885	268	14	,	,	PUNCT
easat-6885	268	15	i.	i.	PROPN
easat-6885	268	16	marcelin	marcelin	PROPN
easat-6885	268	17	,	,	PUNCT
easat-6885	268	18	and	and	CCONJ
easat-6885	268	19	j.	j.	PROPN
easat-6885	268	20	b.	b.	PROPN
easat-6885	268	21	pelawi	pelawi	PROPN
easat-6885	268	22	,	,	PUNCT
easat-6885	268	23	"	"	PUNCT
easat-6885	268	24	does	do	AUX
easat-6885	268	25	fintech	fintech	NOUN
easat-6885	268	26	lending	lending	NOUN
easat-6885	268	27	expansion	expansion	NOUN
easat-6885	268	28	disturb	disturb	VERB
easat-6885	268	29	financial	financial	ADJ
easat-6885	268	30	system	system	NOUN
easat-6885	268	31	stability	stability	NOUN
easat-6885	268	32	?	?	PUNCT
easat-6885	269	1	evidence	evidence	NOUN
easat-6885	269	2	from	from	ADP
easat-6885	269	3	indonesia	indonesia	PROPN
easat-6885	269	4	,	,	PUNCT
easat-6885	269	5	"	"	PUNCT
easat-6885	269	6	heliyon	heliyon	NOUN
easat-6885	269	7	,	,	PUNCT
easat-6885	269	8	vol	vol	NOUN
easat-6885	269	9	.	.	PROPN
easat-6885	269	10	9	9	NUM
easat-6885	269	11	,	,	PUNCT
easat-6885	269	12	no	no	INTJ
easat-6885	269	13	.	.	NOUN
easat-6885	269	14	9	9	NUM
easat-6885	269	15	,	,	PUNCT
easat-6885	269	16	p.	p.	NOUN
easat-6885	269	17	e18384	e18384	PROPN
easat-6885	269	18	,	,	PUNCT
easat-6885	269	19	2023	2023	NUM
easat-6885	269	20	.	.	PUNCT
easat-6885	270	1	https://doi.org/10.1016/j.heliyon.2023.e18384	https://doi.org/10.1016/j.heliyon.2023.e18384	PROPN
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easat-6885	271	2	https://doi.org/10.1016/j.procs.2022.01.030	https://doi.org/10.1016/j.procs.2022.01.030	PROPN
easat-6885	271	3	https://doi.org/10.1016/j.procs.2019.11.104	https://doi.org/10.1016/j.procs.2019.11.104	PROPN
easat-6885	271	4	https://doi.org/10.1016/j.heliyon.2024.e34902	https://doi.org/10.1016/j.heliyon.2024.e34902	PROPN
easat-6885	271	5	https://doi.org/10.1016/j.heliyon.2021.e06782	https://doi.org/10.1016/j.heliyon.2021.e06782	X
easat-6885	272	1	https://doi.org/10.1002/jsc.2331	https://doi.org/10.1002/jsc.2331	PROPN
easat-6885	272	2	https://doi.org/10.1016/j.heliyon.2023.e18384	https://doi.org/10.1016/j.heliyon.2023.e18384	PROPN
easat-6885	272	3	434	434	NUM
easat-6885	272	4	edelweiss	edelweiss	PROPN
easat-6885	272	5	applied	apply	VERB
easat-6885	272	6	science	science	NOUN
easat-6885	272	7	and	and	CCONJ
easat-6885	272	8	technology	technology	NOUN
easat-6885	272	9	issn	issn	PROPN
easat-6885	272	10	:	:	PUNCT
easat-6885	272	11	2576	2576	NUM
easat-6885	272	12	-	-	SYM
easat-6885	272	13	8484	8484	NUM
easat-6885	272	14	vol	vol	NOUN
easat-6885	272	15	.	.	PROPN
easat-6885	273	1	9	9	NUM
easat-6885	273	2	,	,	PUNCT
easat-6885	273	3	no	no	INTJ
easat-6885	273	4	.	.	NOUN
easat-6885	273	5	5	5	NUM
easat-6885	273	6	:	:	PUNCT
easat-6885	273	7	424	424	NUM
easat-6885	273	8	-	-	SYM
easat-6885	273	9	435	435	NUM
easat-6885	273	10	,	,	PUNCT
easat-6885	273	11	2025	2025	NUM
easat-6885	273	12	doi	doi	NOUN
easat-6885	273	13	:	:	PUNCT
easat-6885	273	14	10.55214/25768484.v9i5.6885	10.55214/25768484.v9i5.6885	NUM
easat-6885	273	15	©	©	NOUN
easat-6885	273	16	2025	2025	NUM
easat-6885	273	17	by	by	ADP
easat-6885	273	18	the	the	DET
easat-6885	273	19	authors	author	NOUN
easat-6885	273	20	;	;	PUNCT
easat-6885	273	21	licensee	licensee	PROPN
easat-6885	273	22	learning	learning	NOUN
easat-6885	273	23	gate	gate	NOUN
easat-6885	274	1	[	[	X
easat-6885	274	2	8	8	NUM
easat-6885	274	3	]	]	PUNCT
easat-6885	274	4	a.	a.	NOUN
easat-6885	274	5	dasilas	dasila	NOUN
easat-6885	274	6	and	and	CCONJ
easat-6885	274	7	g.	g.	PROPN
easat-6885	274	8	karanović	karanović	PROPN
easat-6885	274	9	,	,	PUNCT
easat-6885	274	10	"	"	PUNCT
easat-6885	274	11	the	the	DET
easat-6885	274	12	impact	impact	NOUN
easat-6885	274	13	of	of	ADP
easat-6885	274	14	fintech	fintech	NOUN
easat-6885	274	15	firms	firm	NOUN
easat-6885	274	16	on	on	ADP
easat-6885	274	17	bank	bank	NOUN
easat-6885	274	18	performance	performance	NOUN
easat-6885	274	19	:	:	PUNCT
easat-6885	274	20	evidence	evidence	NOUN
easat-6885	274	21	from	from	ADP
easat-6885	274	22	the	the	DET
easat-6885	274	23	uk	uk	PROPN
easat-6885	274	24	,	,	PUNCT
easat-6885	274	25	"	"	PUNCT
easat-6885	274	26	euromed	eurome	VERB
easat-6885	274	27	journal	journal	NOUN
easat-6885	274	28	of	of	ADP
easat-6885	274	29	business	business	NOUN
easat-6885	274	30	,	,	PUNCT
easat-6885	274	31	vol	vol	NOUN
easat-6885	274	32	.	.	PROPN
easat-6885	274	33	20	20	NUM
easat-6885	274	34	,	,	PUNCT
easat-6885	274	35	no	no	INTJ
easat-6885	274	36	.	.	NOUN
easat-6885	274	37	1	1	NUM
easat-6885	274	38	,	,	PUNCT
easat-6885	274	39	pp	pp	ADJ
easat-6885	274	40	.	.	PUNCT
easat-6885	274	41	244	244	NUM
easat-6885	274	42	-	-	SYM
easat-6885	274	43	258	258	NUM
easat-6885	274	44	,	,	PUNCT
easat-6885	274	45	2025	2025	NUM
easat-6885	274	46	.	.	PUNCT
easat-6885	275	1	https://doi.org/10.1108/emjb-04-2023-0099	https://doi.org/10.1108/emjb-04-2023-0099	VERB
easat-6885	276	1	[	[	X
easat-6885	276	2	9	9	NUM
easat-6885	276	3	]	]	PUNCT
easat-6885	276	4	a.	a.	NOUN
easat-6885	276	5	dietrich	dietrich	PROPN
easat-6885	276	6	and	and	CCONJ
easat-6885	276	7	g.	g.	PROPN
easat-6885	276	8	wanzenried	wanzenrie	VERB
easat-6885	276	9	,	,	PUNCT
easat-6885	276	10	"	"	PUNCT
easat-6885	276	11	determinants	determinant	NOUN
easat-6885	276	12	of	of	ADP
easat-6885	276	13	bank	bank	NOUN
easat-6885	276	14	profitability	profitability	NOUN
easat-6885	276	15	before	before	ADP
easat-6885	276	16	and	and	CCONJ
easat-6885	276	17	during	during	ADP
easat-6885	276	18	the	the	DET
easat-6885	276	19	crisis	crisis	NOUN
easat-6885	276	20	:	:	PUNCT
easat-6885	276	21	evidence	evidence	NOUN
easat-6885	276	22	from	from	ADP
easat-6885	276	23	switzerland	switzerland	PROPN
easat-6885	276	24	,	,	PUNCT
easat-6885	276	25	"	"	PUNCT
easat-6885	276	26	journal	journal	NOUN
easat-6885	276	27	of	of	ADP
easat-6885	276	28	international	international	ADJ
easat-6885	276	29	financial	financial	ADJ
easat-6885	276	30	markets	market	NOUN
easat-6885	276	31	,	,	PUNCT
easat-6885	276	32	institutions	institution	NOUN
easat-6885	276	33	and	and	CCONJ
easat-6885	276	34	money	money	NOUN
easat-6885	276	35	,	,	PUNCT
easat-6885	276	36	vol	vol	NOUN
easat-6885	276	37	.	.	PROPN
easat-6885	276	38	21	21	NUM
easat-6885	276	39	,	,	PUNCT
easat-6885	276	40	no	no	INTJ
easat-6885	276	41	.	.	NOUN
easat-6885	276	42	3	3	NUM
easat-6885	276	43	,	,	PUNCT
easat-6885	276	44	pp	pp	ADJ
easat-6885	276	45	.	.	PUNCT
easat-6885	277	1	307	307	NUM
easat-6885	277	2	-	-	SYM
easat-6885	277	3	327	327	NUM
easat-6885	277	4	,	,	PUNCT
easat-6885	277	5	2011	2011	NUM
easat-6885	277	6	.	.	PUNCT
easat-6885	278	1	[	[	X
easat-6885	278	2	10	10	NUM
easat-6885	278	3	]	]	X
easat-6885	278	4	r.	r.	PROPN
easat-6885	278	5	m.	m.	PROPN
easat-6885	278	6	sya’ban	sya’ban	PROPN
easat-6885	278	7	and	and	CCONJ
easat-6885	278	8	d.	d.	PROPN
easat-6885	278	9	f.	f.	PROPN
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easat-6885	278	11	,	,	PUNCT
easat-6885	278	12	"	"	PUNCT
easat-6885	278	13	the	the	DET
easat-6885	278	14	growth	growth	NOUN
easat-6885	278	15	of	of	ADP
easat-6885	278	16	local	local	ADJ
easat-6885	278	17	investors	investor	NOUN
easat-6885	278	18	in	in	ADP
easat-6885	278	19	financial	financial	ADJ
easat-6885	278	20	technology	technology	NOUN
easat-6885	278	21	(	(	PUNCT
easat-6885	278	22	fintech	fintech	NOUN
easat-6885	278	23	)	)	PUNCT
easat-6885	278	24	lending	lending	NOUN
easat-6885	278	25	funding	funding	NOUN
easat-6885	278	26	in	in	ADP
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easat-6885	278	28	and	and	CCONJ
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easat-6885	278	31	,	,	PUNCT
easat-6885	278	32	"	"	PUNCT
easat-6885	278	33	seiko	seiko	NOUN
easat-6885	278	34	:	:	PUNCT
easat-6885	278	35	journal	journal	PROPN
easat-6885	278	36	of	of	ADP
easat-6885	278	37	management	management	NOUN
easat-6885	278	38	&	&	CCONJ
easat-6885	278	39	business	business	NOUN
easat-6885	278	40	,	,	PUNCT
easat-6885	278	41	vol	vol	NOUN
easat-6885	278	42	.	.	PROPN
easat-6885	278	43	6	6	NUM
easat-6885	278	44	,	,	PUNCT
easat-6885	278	45	no	no	INTJ
easat-6885	278	46	.	.	NOUN
easat-6885	278	47	1	1	NUM
easat-6885	278	48	,	,	PUNCT
easat-6885	278	49	pp	pp	ADJ
easat-6885	278	50	.	.	PUNCT
easat-6885	279	1	563	563	NUM
easat-6885	279	2	-	-	SYM
easat-6885	279	3	575	575	NUM
easat-6885	279	4	,	,	PUNCT
easat-6885	279	5	2023	2023	NUM
easat-6885	279	6	.	.	PUNCT
easat-6885	280	1	[	[	X
easat-6885	280	2	11	11	NUM
easat-6885	280	3	]	]	X
easat-6885	280	4	d.	d.	PROPN
easat-6885	280	5	h.	h.	PROPN
easat-6885	280	6	b.	b.	PROPN
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easat-6885	280	8	,	,	PUNCT
easat-6885	280	9	p.	p.	PROPN
easat-6885	280	10	k.	k.	PROPN
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easat-6885	280	17	and	and	CCONJ
easat-6885	280	18	a.	a.	PROPN
easat-6885	280	19	r.	r.	PROPN
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easat-6885	280	21	,	,	PUNCT
easat-6885	280	22	"	"	PUNCT
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easat-6885	280	24	financial	financial	ADJ
easat-6885	280	25	technology	technology	NOUN
easat-6885	280	26	firms	firm	NOUN
easat-6885	280	27	influence	influence	VERB
easat-6885	280	28	bank	bank	NOUN
easat-6885	280	29	performance	performance	NOUN
easat-6885	280	30	?	?	PUNCT
easat-6885	280	31	,	,	PUNCT
easat-6885	280	32	"	"	PUNCT
easat-6885	280	33	pacific	pacific	ADJ
easat-6885	280	34	-	-	PUNCT
easat-6885	280	35	basin	basin	NOUN
easat-6885	280	36	finance	finance	NOUN
easat-6885	280	37	journal	journal	NOUN
easat-6885	280	38	,	,	PUNCT
easat-6885	280	39	vol	vol	NOUN
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easat-6885	280	42	,	,	PUNCT
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easat-6885	280	45	,	,	PUNCT
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easat-6885	280	47	.	.	PUNCT
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easat-6885	281	22	exposure	exposure	NOUN
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easat-6885	281	26	indonesia	indonesia	PROPN
easat-6885	281	27	,	,	PUNCT
easat-6885	281	28	"	"	PUNCT
easat-6885	281	29	journal	journal	NOUN
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easat-6885	281	31	banking	banking	NOUN
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easat-6885	281	33	finance	finance	PROPN
easat-6885	281	34	,	,	PUNCT
easat-6885	281	35	vol	vol	NOUN
easat-6885	281	36	.	.	PROPN
easat-6885	281	37	88	88	NUM
easat-6885	281	38	,	,	PUNCT
easat-6885	281	39	pp	pp	ADJ
easat-6885	281	40	.	.	PUNCT
easat-6885	282	1	483	483	NUM
easat-6885	282	2	-	-	SYM
easat-6885	282	3	497	497	NUM
easat-6885	282	4	,	,	PUNCT
easat-6885	282	5	2018	2018	NUM
easat-6885	282	6	.	.	PUNCT
easat-6885	283	1	[	[	X
easat-6885	283	2	13	13	NUM
easat-6885	283	3	]	]	PUNCT
easat-6885	283	4	s.	s.	PROPN
easat-6885	283	5	corbet	corbet	PROPN
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easat-6885	283	10	,	,	PUNCT
easat-6885	283	11	y.	y.	PROPN
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easat-6885	283	13	,	,	PUNCT
easat-6885	283	14	l.	l.	PROPN
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easat-6885	283	19	tang	tang	PROPN
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easat-6885	284	1	evidence	evidence	NOUN
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easat-6885	284	11	,	,	PUNCT
easat-6885	284	12	vol	vol	NOUN
easat-6885	284	13	.	.	PROPN
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easat-6885	284	17	.	.	NOUN
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easat-6885	284	19	,	,	PUNCT
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easat-6885	284	21	.	.	PUNCT
easat-6885	285	1	241	241	NUM
easat-6885	285	2	-	-	SYM
easat-6885	285	3	267	267	NUM
easat-6885	285	4	,	,	PUNCT
easat-6885	285	5	2023	2023	NUM
easat-6885	285	6	.	.	PUNCT
easat-6885	286	1	https://doi.org/10.1108/sef-022022-0119	https://doi.org/10.1108/sef-022022-0119	NOUN
easat-6885	287	1	[	[	X
easat-6885	287	2	14	14	NUM
easat-6885	287	3	]	]	X
easat-6885	287	4	k.	k.	PROPN
easat-6885	287	5	djalilov	djalilov	PROPN
easat-6885	287	6	and	and	CCONJ
easat-6885	287	7	j.	j.	PROPN
easat-6885	287	8	piesse	piesse	PROPN
easat-6885	287	9	,	,	PUNCT
easat-6885	287	10	"	"	PUNCT
easat-6885	287	11	determinants	determinant	NOUN
easat-6885	287	12	of	of	ADP
easat-6885	287	13	bank	bank	NOUN
easat-6885	287	14	profitability	profitability	NOUN
easat-6885	287	15	in	in	ADP
easat-6885	287	16	transition	transition	NOUN
easat-6885	287	17	countries	country	NOUN
easat-6885	287	18	:	:	PUNCT
easat-6885	287	19	what	what	PRON
easat-6885	287	20	matters	matter	VERB
easat-6885	287	21	most	most	ADV
easat-6885	287	22	?	?	PUNCT
easat-6885	287	23	,	,	PUNCT
easat-6885	287	24	"	"	PUNCT
easat-6885	287	25	research	research	NOUN
easat-6885	287	26	in	in	ADP
easat-6885	287	27	international	international	ADJ
easat-6885	287	28	business	business	NOUN
easat-6885	287	29	and	and	CCONJ
easat-6885	287	30	finance	finance	NOUN
easat-6885	287	31	,	,	PUNCT
easat-6885	287	32	vol	vol	NOUN
easat-6885	287	33	.	.	PROPN
easat-6885	288	1	38	38	NUM
easat-6885	288	2	,	,	PUNCT
easat-6885	288	3	pp	pp	ADJ
easat-6885	288	4	.	.	PUNCT
easat-6885	289	1	69	69	NUM
easat-6885	289	2	-	-	SYM
easat-6885	289	3	82	82	NUM
easat-6885	289	4	,	,	PUNCT
easat-6885	289	5	2016	2016	NUM
easat-6885	289	6	.	.	PUNCT
easat-6885	290	1	[	[	X
easat-6885	290	2	15	15	NUM
easat-6885	290	3	]	]	PUNCT
easat-6885	290	4	x.	x.	PROPN
easat-6885	290	5	chen	chen	PROPN
easat-6885	290	6	,	,	PUNCT
easat-6885	290	7	b.	b.	PROPN
easat-6885	290	8	huang	huang	PROPN
easat-6885	290	9	,	,	PUNCT
easat-6885	290	10	and	and	CCONJ
easat-6885	290	11	d.	d.	PROPN
easat-6885	290	12	ye	ye	PROPN
easat-6885	290	13	,	,	PUNCT
easat-6885	290	14	"	"	PUNCT
easat-6885	290	15	gender	gender	NOUN
easat-6885	290	16	gap	gap	NOUN
easat-6885	290	17	in	in	ADP
easat-6885	290	18	peer	peer	NOUN
easat-6885	290	19	-	-	PUNCT
easat-6885	290	20	to	to	ADP
easat-6885	290	21	-	-	PUNCT
easat-6885	290	22	peer	peer	NOUN
easat-6885	290	23	lending	lending	NOUN
easat-6885	290	24	:	:	PUNCT
easat-6885	290	25	evidence	evidence	NOUN
easat-6885	290	26	from	from	ADP
easat-6885	290	27	china	china	PROPN
easat-6885	290	28	,	,	PUNCT
easat-6885	290	29	"	"	PUNCT
easat-6885	290	30	journal	journal	NOUN
easat-6885	290	31	of	of	ADP
easat-6885	290	32	banking	banking	NOUN
easat-6885	290	33	&	&	CCONJ
easat-6885	290	34	finance	finance	PROPN
easat-6885	290	35	,	,	PUNCT
easat-6885	290	36	vol	vol	NOUN
easat-6885	290	37	.	.	PROPN
easat-6885	290	38	112	112	NUM
easat-6885	290	39	,	,	PUNCT
easat-6885	290	40	p.	p.	NOUN
easat-6885	290	41	105633	105633	NUM
easat-6885	290	42	,	,	PUNCT
easat-6885	290	43	2020	2020	NUM
easat-6885	290	44	.	.	PUNCT
easat-6885	291	1	https://doi.org/10.1016/j.jbankfin.2019.105633	https://doi.org/10.1016/j.jbankfin.2019.105633	NOUN
easat-6885	292	1	[	[	X
easat-6885	292	2	16	16	NUM
easat-6885	292	3	]	]	PUNCT
easat-6885	292	4	t.	t.	PROPN
easat-6885	292	5	a.	a.	PROPN
easat-6885	292	6	vasylieva	vasylieva	PROPN
easat-6885	292	7	,	,	PUNCT
easat-6885	292	8	s.	s.	PROPN
easat-6885	292	9	v.	v.	PROPN
easat-6885	292	10	lieonov	lieonov	PROPN
easat-6885	292	11	,	,	PUNCT
easat-6885	292	12	i.	i.	PROPN
easat-6885	292	13	o.	o.	PROPN
easat-6885	292	14	makarenko	makarenko	PROPN
easat-6885	292	15	,	,	PUNCT
easat-6885	292	16	and	and	CCONJ
easat-6885	292	17	n.	n.	PROPN
easat-6885	292	18	sirkovska	sirkovska	PROPN
easat-6885	292	19	,	,	PUNCT
easat-6885	292	20	"	"	PUNCT
easat-6885	292	21	sustainability	sustainability	NOUN
easat-6885	292	22	information	information	NOUN
easat-6885	292	23	disclosure	disclosure	NOUN
easat-6885	292	24	as	as	ADP
easat-6885	292	25	an	an	DET
easat-6885	292	26	instrument	instrument	NOUN
easat-6885	292	27	of	of	ADP
easat-6885	292	28	marketing	marketing	NOUN
easat-6885	292	29	communication	communication	NOUN
easat-6885	292	30	with	with	ADP
easat-6885	292	31	stakeholders	stakeholder	NOUN
easat-6885	292	32	:	:	PUNCT
easat-6885	292	33	markets	market	NOUN
easat-6885	292	34	,	,	PUNCT
easat-6885	292	35	social	social	ADJ
easat-6885	292	36	and	and	CCONJ
easat-6885	292	37	economic	economic	ADJ
easat-6885	292	38	aspects	aspect	NOUN
easat-6885	292	39	,	,	PUNCT
easat-6885	292	40	"	"	PUNCT
easat-6885	292	41	vol	vol	NOUN
easat-6885	292	42	.	.	NOUN
easat-6885	293	1	4	4	NUM
easat-6885	293	2	,	,	PUNCT
easat-6885	293	3	pp	pp	ADJ
easat-6885	293	4	.	.	PUNCT
easat-6885	294	1	350	350	NUM
easat-6885	294	2	–	–	PUNCT
easat-6885	294	3	357	357	NUM
easat-6885	294	4	,	,	PUNCT
easat-6885	294	5	2017	2017	NUM
easat-6885	294	6	.	.	PUNCT
easat-6885	295	1	[	[	X
easat-6885	295	2	17	17	NUM
easat-6885	295	3	]	]	X
easat-6885	295	4	d.	d.	PROPN
easat-6885	295	5	kanga	kanga	PROPN
easat-6885	295	6	,	,	PUNCT
easat-6885	295	7	c.	c.	PROPN
easat-6885	295	8	oughton	oughton	PROPN
easat-6885	295	9	,	,	PUNCT
easat-6885	295	10	l.	l.	PROPN
easat-6885	295	11	harris	harris	PROPN
easat-6885	295	12	,	,	PUNCT
easat-6885	295	13	and	and	CCONJ
easat-6885	295	14	v.	v.	ADP
easat-6885	295	15	murinde	murinde	NOUN
easat-6885	295	16	,	,	PUNCT
easat-6885	295	17	"	"	PUNCT
easat-6885	295	18	the	the	DET
easat-6885	295	19	diffusion	diffusion	NOUN
easat-6885	295	20	of	of	ADP
easat-6885	295	21	fintech	fintech	NOUN
easat-6885	295	22	,	,	PUNCT
easat-6885	295	23	financial	financial	ADJ
easat-6885	295	24	inclusion	inclusion	NOUN
easat-6885	295	25	and	and	CCONJ
easat-6885	295	26	income	income	NOUN
easat-6885	295	27	per	per	ADP
easat-6885	295	28	capita	capita	NOUN
easat-6885	295	29	,	,	PUNCT
easat-6885	295	30	"	"	PUNCT
easat-6885	295	31	the	the	DET
easat-6885	295	32	european	european	PROPN
easat-6885	295	33	journal	journal	PROPN
easat-6885	295	34	of	of	ADP
easat-6885	295	35	finance	finance	NOUN
easat-6885	295	36	,	,	PUNCT
easat-6885	295	37	vol	vol	NOUN
easat-6885	295	38	.	.	PROPN
easat-6885	296	1	28	28	NUM
easat-6885	296	2	,	,	PUNCT
easat-6885	296	3	no	no	INTJ
easat-6885	296	4	.	.	NOUN
easat-6885	296	5	1	1	NUM
easat-6885	296	6	,	,	PUNCT
easat-6885	296	7	pp	pp	ADJ
easat-6885	296	8	.	.	PUNCT
easat-6885	297	1	108	108	NUM
easat-6885	297	2	-	-	SYM
easat-6885	297	3	136	136	NUM
easat-6885	297	4	,	,	PUNCT
easat-6885	297	5	2022	2022	NUM
easat-6885	297	6	.	.	PUNCT
easat-6885	298	1	https://doi.org/10.1080/1351847x.2021.1945646	https://doi.org/10.1080/1351847x.2021.1945646	X
easat-6885	299	1	[	[	X
easat-6885	299	2	18	18	NUM
easat-6885	299	3	]	]	PUNCT
easat-6885	299	4	w.-p	w.-p	PROPN
easat-6885	299	5	.	.	PUNCT
easat-6885	300	1	liu	liu	PROPN
easat-6885	300	2	and	and	CCONJ
easat-6885	300	3	y.-c	y.-c	PROPN
easat-6885	300	4	.	.	PUNCT
easat-6885	301	1	chu	chu	PROPN
easat-6885	301	2	,	,	PUNCT
easat-6885	301	3	"	"	PUNCT
easat-6885	301	4	fintech	fintech	NOUN
easat-6885	301	5	,	,	PUNCT
easat-6885	301	6	economic	economic	ADJ
easat-6885	301	7	growth	growth	NOUN
easat-6885	301	8	,	,	PUNCT
easat-6885	301	9	and	and	CCONJ
easat-6885	301	10	covid-19	covid-19	PROPN
easat-6885	301	11	:	:	PUNCT
easat-6885	301	12	international	international	ADJ
easat-6885	301	13	evidence	evidence	NOUN
easat-6885	301	14	,	,	PUNCT
easat-6885	301	15	"	"	PUNCT
easat-6885	301	16	asia	asia	PROPN
easat-6885	301	17	pacific	pacific	PROPN
easat-6885	301	18	management	management	PROPN
easat-6885	301	19	review	review	PROPN
easat-6885	301	20	,	,	PUNCT
easat-6885	301	21	vol	vol	NOUN
easat-6885	301	22	.	.	PROPN
easat-6885	301	23	29	29	NUM
easat-6885	301	24	,	,	PUNCT
easat-6885	301	25	no	no	INTJ
easat-6885	301	26	.	.	NOUN
easat-6885	301	27	3	3	NUM
easat-6885	301	28	,	,	PUNCT
easat-6885	301	29	pp	pp	ADJ
easat-6885	301	30	.	.	PUNCT
easat-6885	302	1	362	362	NUM
easat-6885	302	2	-	-	SYM
easat-6885	302	3	367	367	NUM
easat-6885	302	4	,	,	PUNCT
easat-6885	302	5	2024	2024	NUM
easat-6885	302	6	.	.	PUNCT
easat-6885	303	1	https://doi.org/10.1016/j.apmrv.2023.12.006	https://doi.org/10.1016/j.apmrv.2023.12.006	NUM
easat-6885	303	2	[	[	PUNCT
easat-6885	303	3	19	19	NUM
easat-6885	303	4	]	]	PUNCT
easat-6885	303	5	m.	m.	NOUN
easat-6885	303	6	w.	w.	PROPN
easat-6885	303	7	adedokun	adedokun	PROPN
easat-6885	303	8	and	and	CCONJ
easat-6885	303	9	m.	m.	PROPN
easat-6885	303	10	ağa	ağa	PROPN
easat-6885	303	11	,	,	PUNCT
easat-6885	303	12	"	"	PUNCT
easat-6885	303	13	financial	financial	ADJ
easat-6885	303	14	inclusion	inclusion	NOUN
easat-6885	303	15	:	:	PUNCT
easat-6885	303	16	a	a	DET
easat-6885	303	17	pathway	pathway	NOUN
easat-6885	303	18	to	to	ADP
easat-6885	303	19	economic	economic	ADJ
easat-6885	303	20	growth	growth	NOUN
easat-6885	303	21	in	in	ADP
easat-6885	303	22	sub‐saharan	sub‐saharan	VERB
easat-6885	303	23	african	african	ADJ
easat-6885	303	24	economies	economy	NOUN
easat-6885	303	25	,	,	PUNCT
easat-6885	303	26	"	"	PUNCT
easat-6885	303	27	international	international	ADJ
easat-6885	303	28	journal	journal	NOUN
easat-6885	303	29	of	of	ADP
easat-6885	303	30	finance	finance	PROPN
easat-6885	303	31	&	&	CCONJ
easat-6885	303	32	economics	economic	NOUN
easat-6885	303	33	,	,	PUNCT
easat-6885	303	34	vol	vol	NOUN
easat-6885	303	35	.	.	PROPN
easat-6885	303	36	28	28	NUM
easat-6885	303	37	,	,	PUNCT
easat-6885	303	38	no	no	INTJ
easat-6885	303	39	.	.	NOUN
easat-6885	303	40	3	3	NUM
easat-6885	303	41	,	,	PUNCT
easat-6885	303	42	pp	pp	ADJ
easat-6885	303	43	.	.	PUNCT
easat-6885	303	44	2712	2712	NUM
easat-6885	303	45	-	-	SYM
easat-6885	303	46	2728	2728	NUM
easat-6885	303	47	,	,	PUNCT
easat-6885	303	48	2023	2023	NUM
easat-6885	303	49	.	.	PUNCT
easat-6885	304	1	https://doi.org/10.1002/ijfe.2559	https://doi.org/10.1002/ijfe.2559	X
easat-6885	304	2	[	[	X
easat-6885	304	3	20	20	NUM
easat-6885	304	4	]	]	PUNCT
easat-6885	304	5	d.	d.	PROPN
easat-6885	304	6	sharma	sharma	PROPN
easat-6885	304	7	,	,	PUNCT
easat-6885	304	8	"	"	PUNCT
easat-6885	304	9	nexus	nexus	NOUN
easat-6885	304	10	between	between	ADP
easat-6885	304	11	financial	financial	ADJ
easat-6885	304	12	inclusion	inclusion	NOUN
easat-6885	304	13	and	and	CCONJ
easat-6885	304	14	economic	economic	ADJ
easat-6885	304	15	growth	growth	NOUN
easat-6885	304	16	:	:	PUNCT
easat-6885	304	17	evidence	evidence	NOUN
easat-6885	304	18	from	from	ADP
easat-6885	304	19	the	the	DET
easat-6885	304	20	emerging	emerge	VERB
easat-6885	304	21	indian	indian	ADJ
easat-6885	304	22	economy	economy	NOUN
easat-6885	304	23	,	,	PUNCT
easat-6885	304	24	"	"	PUNCT
easat-6885	304	25	journal	journal	NOUN
easat-6885	304	26	of	of	ADP
easat-6885	304	27	financial	financial	ADJ
easat-6885	304	28	economic	economic	ADJ
easat-6885	304	29	policy	policy	NOUN
easat-6885	304	30	,	,	PUNCT
easat-6885	304	31	vol	vol	NOUN
easat-6885	304	32	.	.	PROPN
easat-6885	304	33	8	8	NUM
easat-6885	304	34	,	,	PUNCT
easat-6885	304	35	no	no	INTJ
easat-6885	304	36	.	.	NOUN
easat-6885	304	37	1	1	NUM
easat-6885	304	38	,	,	PUNCT
easat-6885	304	39	pp	pp	ADJ
easat-6885	304	40	.	.	PUNCT
easat-6885	305	1	13	13	NUM
easat-6885	305	2	-	-	SYM
easat-6885	305	3	36	36	NUM
easat-6885	305	4	,	,	PUNCT
easat-6885	305	5	2016	2016	NUM
easat-6885	305	6	.	.	PUNCT
easat-6885	305	7	https://doi.org/10.1108/jfep-01-2015-0004	https://doi.org/10.1108/jfep-01-2015-0004	X
easat-6885	306	1	[	[	X
easat-6885	306	2	21	21	NUM
easat-6885	306	3	]	]	X
easat-6885	306	4	e.	e.	PROPN
easat-6885	306	5	junarsin	junarsin	PROPN
easat-6885	306	6	et	et	PROPN
easat-6885	306	7	al	al	PROPN
easat-6885	306	8	.	.	PROPN
easat-6885	306	9	,	,	PUNCT
easat-6885	306	10	"	"	PUNCT
easat-6885	306	11	can	can	AUX
easat-6885	306	12	technological	technological	ADJ
easat-6885	306	13	innovation	innovation	NOUN
easat-6885	306	14	spur	spur	VERB
easat-6885	306	15	economic	economic	ADJ
easat-6885	306	16	development	development	NOUN
easat-6885	306	17	?	?	PUNCT
easat-6885	307	1	the	the	DET
easat-6885	307	2	case	case	NOUN
easat-6885	307	3	of	of	ADP
easat-6885	307	4	indonesia	indonesia	PROPN
easat-6885	307	5	,	,	PUNCT
easat-6885	307	6	"	"	PUNCT
easat-6885	307	7	journal	journal	NOUN
easat-6885	307	8	of	of	ADP
easat-6885	307	9	science	science	NOUN
easat-6885	307	10	and	and	CCONJ
easat-6885	307	11	technology	technology	NOUN
easat-6885	307	12	policy	policy	NOUN
easat-6885	307	13	management	management	NOUN
easat-6885	307	14	,	,	PUNCT
easat-6885	307	15	vol	vol	NOUN
easat-6885	307	16	.	.	PROPN
easat-6885	307	17	14	14	NUM
easat-6885	307	18	,	,	PUNCT
easat-6885	307	19	no	no	INTJ
easat-6885	307	20	.	.	NOUN
easat-6885	307	21	1	1	NUM
easat-6885	307	22	,	,	PUNCT
easat-6885	307	23	pp	pp	ADJ
easat-6885	307	24	.	.	PUNCT
easat-6885	308	1	25	25	NUM
easat-6885	308	2	-	-	SYM
easat-6885	308	3	52	52	NUM
easat-6885	308	4	,	,	PUNCT
easat-6885	308	5	2023	2023	NUM
easat-6885	308	6	.	.	PUNCT
easat-6885	309	1	https://doi.org/10.1108/jstpm-12-20200169	https://doi.org/10.1108/jstpm-12-20200169	PROPN
easat-6885	310	1	[	[	X
easat-6885	310	2	22	22	NUM
easat-6885	310	3	]	]	PUNCT
easat-6885	310	4	h.	h.	PROPN
easat-6885	310	5	s.	s.	PROPN
easat-6885	310	6	knewtson	knewtson	PROPN
easat-6885	310	7	and	and	CCONJ
easat-6885	310	8	z.	z.	PROPN
easat-6885	310	9	a.	a.	PROPN
easat-6885	310	10	rosenbaum	rosenbaum	PROPN
easat-6885	310	11	,	,	PUNCT
easat-6885	310	12	"	"	PUNCT
easat-6885	310	13	toward	toward	ADP
easat-6885	310	14	understanding	understand	VERB
easat-6885	310	15	fintech	fintech	NOUN
easat-6885	310	16	and	and	CCONJ
easat-6885	310	17	its	its	PRON
easat-6885	310	18	industry	industry	NOUN
easat-6885	310	19	,	,	PUNCT
easat-6885	310	20	"	"	PUNCT
easat-6885	310	21	managerial	managerial	ADJ
easat-6885	310	22	finance	finance	NOUN
easat-6885	310	23	,	,	PUNCT
easat-6885	310	24	vol	vol	NOUN
easat-6885	310	25	.	.	PROPN
easat-6885	310	26	46	46	NUM
easat-6885	310	27	,	,	PUNCT
easat-6885	310	28	no	no	INTJ
easat-6885	310	29	.	.	NOUN
easat-6885	310	30	8	8	NUM
easat-6885	310	31	,	,	PUNCT
easat-6885	310	32	pp	pp	ADJ
easat-6885	310	33	.	.	PUNCT
easat-6885	310	34	1043	1043	NUM
easat-6885	310	35	-	-	SYM
easat-6885	310	36	1060	1060	NUM
easat-6885	310	37	,	,	PUNCT
easat-6885	310	38	2020	2020	NUM
easat-6885	310	39	.	.	PUNCT
easat-6885	311	1	https://doi.org/10.1108/mf-01-2020-0024	https://doi.org/10.1108/mf-01-2020-0024	NOUN
easat-6885	311	2	[	[	X
easat-6885	311	3	23	23	NUM
easat-6885	311	4	]	]	PUNCT
easat-6885	311	5	a.	a.	NOUN
easat-6885	311	6	m.	m.	PROPN
easat-6885	311	7	k.	k.	PROPN
easat-6885	311	8	alkhazaleh	alkhazaleh	PROPN
easat-6885	311	9	,	,	PUNCT
easat-6885	311	10	"	"	PUNCT
easat-6885	311	11	factors	factor	NOUN
easat-6885	311	12	may	may	AUX
easat-6885	311	13	drive	drive	VERB
easat-6885	311	14	the	the	DET
easat-6885	311	15	commercial	commercial	ADJ
easat-6885	311	16	banks	bank	NOUN
easat-6885	311	17	lending	lending	NOUN
easat-6885	311	18	:	:	PUNCT
easat-6885	311	19	evidence	evidence	NOUN
easat-6885	311	20	from	from	ADP
easat-6885	311	21	jordan	jordan	PROPN
easat-6885	311	22	,	,	PUNCT
easat-6885	311	23	"	"	PUNCT
easat-6885	311	24	banks	bank	NOUN
easat-6885	311	25	and	and	CCONJ
easat-6885	311	26	bank	bank	NOUN
easat-6885	311	27	systems	system	NOUN
easat-6885	311	28	,	,	PUNCT
easat-6885	311	29	vol	vol	NOUN
easat-6885	311	30	.	.	PROPN
easat-6885	311	31	12	12	NUM
easat-6885	311	32	,	,	PUNCT
easat-6885	311	33	no	no	INTJ
easat-6885	311	34	.	.	NOUN
easat-6885	311	35	2	2	NUM
easat-6885	311	36	,	,	PUNCT
easat-6885	311	37	p.	p.	NOUN
easat-6885	311	38	31	31	NUM
easat-6885	311	39	,	,	PUNCT
easat-6885	311	40	2017	2017	NUM
easat-6885	311	41	.	.	PUNCT
easat-6885	312	1	https://doi.org/10.1108/mf-01-2020-0024	https://doi.org/10.1108/mf-01-2020-0024	NOUN
easat-6885	312	2	[	[	X
easat-6885	312	3	24	24	NUM
easat-6885	312	4	]	]	X
easat-6885	312	5	f.	f.	PROPN
easat-6885	312	6	kurniawan	kurniawan	PROPN
easat-6885	312	7	and	and	CCONJ
easat-6885	312	8	c.	c.	PROPN
easat-6885	312	9	wijaya	wijaya	PROPN
easat-6885	312	10	,	,	PUNCT
easat-6885	312	11	"	"	PUNCT
easat-6885	312	12	the	the	DET
easat-6885	312	13	effect	effect	NOUN
easat-6885	312	14	of	of	ADP
easat-6885	312	15	loan	loan	NOUN
easat-6885	312	16	granted	grant	VERB
easat-6885	312	17	factor	factor	NOUN
easat-6885	312	18	on	on	ADP
easat-6885	312	19	peer	peer	NOUN
easat-6885	312	20	-	-	PUNCT
easat-6885	312	21	to	to	ADP
easat-6885	312	22	-	-	PUNCT
easat-6885	312	23	peer	peer	NOUN
easat-6885	312	24	lending	lending	NOUN
easat-6885	312	25	(	(	PUNCT
easat-6885	312	26	funded	fund	VERB
easat-6885	312	27	loan	loan	NOUN
easat-6885	312	28	)	)	PUNCT
easat-6885	312	29	in	in	ADP
easat-6885	312	30	indonesia	indonesia	PROPN
easat-6885	312	31	,	,	PUNCT
easat-6885	312	32	"	"	PUNCT
easat-6885	312	33	investment	investment	NOUN
easat-6885	312	34	management	management	NOUN
easat-6885	312	35	&	&	CCONJ
easat-6885	312	36	financial	financial	ADJ
easat-6885	312	37	innovations	innovation	NOUN
easat-6885	312	38	,	,	PUNCT
easat-6885	312	39	vol	vol	NOUN
easat-6885	312	40	.	.	PROPN
easat-6885	312	41	17	17	NUM
easat-6885	312	42	,	,	PUNCT
easat-6885	312	43	no	no	INTJ
easat-6885	312	44	.	.	NOUN
easat-6885	312	45	4	4	NUM
easat-6885	312	46	,	,	PUNCT
easat-6885	312	47	p.	p.	NOUN
easat-6885	312	48	165	165	NUM
easat-6885	312	49	,	,	PUNCT
easat-6885	312	50	2020	2020	NUM
easat-6885	312	51	.	.	PUNCT
easat-6885	313	1	[	[	X
easat-6885	313	2	25	25	NUM
easat-6885	313	3	]	]	X
easat-6885	313	4	n.	n.	PROPN
easat-6885	313	5	w.	w.	PROPN
easat-6885	313	6	a.	a.	PROPN
easat-6885	313	7	pohan	pohan	PROPN
easat-6885	313	8	,	,	PUNCT
easat-6885	313	9	i.	i.	PROPN
easat-6885	313	10	budi	budi	PROPN
easat-6885	313	11	,	,	PUNCT
easat-6885	313	12	and	and	CCONJ
easat-6885	313	13	r.	r.	PROPN
easat-6885	313	14	r.	r.	PROPN
easat-6885	313	15	suryono	suryono	PROPN
easat-6885	313	16	,	,	PUNCT
easat-6885	313	17	"	"	PUNCT
easat-6885	313	18	borrower	borrower	NOUN
easat-6885	313	19	sentiment	sentiment	NOUN
easat-6885	313	20	on	on	ADP
easat-6885	313	21	p2p	p2p	NOUN
easat-6885	313	22	lending	lend	VERB
easat-6885	313	23	in	in	ADP
easat-6885	313	24	indonesia	indonesia	PROPN
easat-6885	313	25	based	base	VERB
easat-6885	313	26	on	on	ADP
easat-6885	313	27	google	google	PROPN
easat-6885	313	28	playstore	playstore	NOUN
easat-6885	313	29	reviews	review	NOUN
easat-6885	313	30	,	,	PUNCT
easat-6885	313	31	"	"	PUNCT
easat-6885	313	32	in	in	ADP
easat-6885	313	33	proceedings	proceeding	NOUN
easat-6885	313	34	of	of	ADP
easat-6885	313	35	the	the	DET
easat-6885	313	36	sriwijaya	sriwijaya	PROPN
easat-6885	313	37	international	international	PROPN
easat-6885	313	38	conference	conference	PROPN
easat-6885	313	39	on	on	ADP
easat-6885	313	40	information	information	NOUN
easat-6885	313	41	technology	technology	NOUN
easat-6885	313	42	and	and	CCONJ
easat-6885	313	43	its	its	PRON
easat-6885	313	44	applications	application	NOUN
easat-6885	313	45	(	(	PUNCT
easat-6885	313	46	siconian	siconian	ADJ
easat-6885	313	47	2019	2019	NUM
easat-6885	313	48	)	)	PUNCT
easat-6885	313	49	,	,	PUNCT
easat-6885	313	50	pp	pp	PROPN
easat-6885	313	51	.	.	PUNCT
easat-6885	314	1	17	17	NUM
easat-6885	314	2	-	-	SYM
easat-6885	314	3	23	23	NUM
easat-6885	314	4	,	,	PUNCT
easat-6885	314	5	2019	2019	NUM
easat-6885	314	6	.	.	PUNCT
easat-6885	315	1	[	[	X
easat-6885	315	2	26	26	NUM
easat-6885	315	3	]	]	PUNCT
easat-6885	315	4	z.	z.	PROPN
easat-6885	315	5	abdelmoneim	abdelmoneim	PROPN
easat-6885	315	6	and	and	CCONJ
easat-6885	315	7	m.	m.	PROPN
easat-6885	315	8	yasser	yasser	PROPN
easat-6885	315	9	,	,	PUNCT
easat-6885	315	10	"	"	PUNCT
easat-6885	315	11	the	the	DET
easat-6885	315	12	impact	impact	NOUN
easat-6885	315	13	of	of	ADP
easat-6885	315	14	bank	bank	NOUN
easat-6885	315	15	performance	performance	NOUN
easat-6885	315	16	and	and	CCONJ
easat-6885	315	17	economic	economic	ADJ
easat-6885	315	18	growth	growth	NOUN
easat-6885	315	19	on	on	ADP
easat-6885	315	20	bank	bank	NOUN
easat-6885	315	21	profitability	profitability	NOUN
easat-6885	315	22	:	:	PUNCT
easat-6885	315	23	camel	camel	NOUN
easat-6885	315	24	model	model	NOUN
easat-6885	315	25	application	application	NOUN
easat-6885	315	26	in	in	ADP
easat-6885	315	27	middle	middle	ADJ
easat-6885	315	28	-	-	PUNCT
easat-6885	315	29	income	income	NOUN
easat-6885	315	30	countries	country	NOUN
easat-6885	315	31	,	,	PUNCT
easat-6885	315	32	"	"	PUNCT
easat-6885	315	33	banks	bank	NOUN
easat-6885	315	34	and	and	CCONJ
easat-6885	315	35	bank	bank	NOUN
easat-6885	315	36	systems	system	NOUN
easat-6885	315	37	,	,	PUNCT
easat-6885	315	38	vol	vol	NOUN
easat-6885	315	39	.	.	PROPN
easat-6885	315	40	18	18	NUM
easat-6885	315	41	,	,	PUNCT
easat-6885	315	42	no	no	INTJ
easat-6885	315	43	.	.	NOUN
easat-6885	315	44	3	3	NUM
easat-6885	315	45	,	,	PUNCT
easat-6885	315	46	p.	p.	NOUN
easat-6885	315	47	205	205	NUM
easat-6885	315	48	,	,	PUNCT
easat-6885	315	49	2023	2023	NUM
easat-6885	315	50	.	.	PUNCT
easat-6885	315	51	https://doi.org/10.21511/bbs.18(3).2023.17	https://doi.org/10.21511/bbs.18(3).2023.17	X
easat-6885	316	1	[	[	X
easat-6885	316	2	27	27	NUM
easat-6885	316	3	]	]	X
easat-6885	316	4	g.	g.	PROPN
easat-6885	316	5	cornelli	cornelli	PROPN
easat-6885	316	6	,	,	PUNCT
easat-6885	316	7	j.	j.	PROPN
easat-6885	316	8	frost	frost	PROPN
easat-6885	316	9	,	,	PUNCT
easat-6885	316	10	l.	l.	PROPN
easat-6885	316	11	gambacorta	gambacorta	PROPN
easat-6885	316	12	,	,	PUNCT
easat-6885	316	13	p.	p.	PROPN
easat-6885	316	14	r.	r.	PROPN
easat-6885	316	15	rau	rau	PROPN
easat-6885	316	16	,	,	PUNCT
easat-6885	316	17	r.	r.	PROPN
easat-6885	316	18	wardrop	wardrop	NOUN
easat-6885	316	19	,	,	PUNCT
easat-6885	316	20	and	and	CCONJ
easat-6885	316	21	t.	t.	PROPN
easat-6885	316	22	ziegler	ziegler	PROPN
easat-6885	316	23	,	,	PUNCT
easat-6885	316	24	"	"	PUNCT
easat-6885	316	25	fintech	fintech	NOUN
easat-6885	316	26	and	and	CCONJ
easat-6885	316	27	big	big	ADJ
easat-6885	316	28	tech	tech	NOUN
easat-6885	316	29	credit	credit	NOUN
easat-6885	316	30	:	:	PUNCT
easat-6885	316	31	drivers	driver	NOUN
easat-6885	316	32	of	of	ADP
easat-6885	316	33	the	the	DET
easat-6885	316	34	growth	growth	NOUN
easat-6885	316	35	of	of	ADP
easat-6885	316	36	digital	digital	ADJ
easat-6885	316	37	lending	lending	NOUN
easat-6885	316	38	,	,	PUNCT
easat-6885	316	39	"	"	PUNCT
easat-6885	316	40	journal	journal	NOUN
easat-6885	316	41	of	of	ADP
easat-6885	316	42	banking	banking	NOUN
easat-6885	316	43	&	&	CCONJ
easat-6885	316	44	finance	finance	PROPN
easat-6885	316	45	,	,	PUNCT
easat-6885	316	46	vol	vol	NOUN
easat-6885	316	47	.	.	NOUN
easat-6885	316	48	148	148	NUM
easat-6885	316	49	,	,	PUNCT
easat-6885	316	50	p.	p.	NOUN
easat-6885	316	51	106742	106742	NUM
easat-6885	316	52	,	,	PUNCT
easat-6885	316	53	2023	2023	NUM
easat-6885	316	54	.	.	PUNCT
easat-6885	317	1	https://doi.org/10.1016/j.jbankfin.2022.106742	https://doi.org/10.1016/j.jbankfin.2022.106742	PROPN
easat-6885	317	2	[	[	X
easat-6885	317	3	28	28	NUM
easat-6885	317	4	]	]	PUNCT
easat-6885	317	5	m.	m.	PROPN
easat-6885	317	6	y.	y.	PROPN
easat-6885	317	7	edward	edward	PROPN
easat-6885	317	8	,	,	PUNCT
easat-6885	317	9	e.	e.	PROPN
easat-6885	317	10	n.	n.	PROPN
easat-6885	317	11	fuad	fuad	PROPN
easat-6885	317	12	,	,	PUNCT
easat-6885	317	13	h.	h.	PROPN
easat-6885	317	14	ismanto	ismanto	PROPN
easat-6885	317	15	,	,	PUNCT
easat-6885	317	16	a.	a.	PROPN
easat-6885	317	17	d.	d.	PROPN
easat-6885	317	18	r.	r.	PROPN
easat-6885	317	19	atahau	atahau	PROPN
easat-6885	317	20	,	,	PUNCT
easat-6885	317	21	and	and	CCONJ
easat-6885	317	22	r.	r.	PROPN
easat-6885	317	23	robiyanto	robiyanto	PROPN
easat-6885	317	24	,	,	PUNCT
easat-6885	317	25	"	"	PUNCT
easat-6885	317	26	success	success	NOUN
easat-6885	317	27	factors	factor	NOUN
easat-6885	317	28	for	for	ADP
easat-6885	317	29	peer	peer	NOUN
easat-6885	317	30	-	-	PUNCT
easat-6885	317	31	to	to	ADP
easat-6885	317	32	-	-	PUNCT
easat-6885	317	33	peer	peer	NOUN
easat-6885	317	34	lending	lending	NOUN
easat-6885	317	35	for	for	ADP
easat-6885	317	36	smes	sme	NOUN
easat-6885	317	37	:	:	PUNCT
easat-6885	317	38	evidence	evidence	NOUN
easat-6885	317	39	from	from	ADP
easat-6885	317	40	indonesia	indonesia	PROPN
easat-6885	317	41	,	,	PUNCT
easat-6885	317	42	"	"	PUNCT
easat-6885	317	43	innovations	innovation	NOUN
easat-6885	317	44	,	,	PUNCT
easat-6885	317	45	vol	vol	NOUN
easat-6885	317	46	.	.	PROPN
easat-6885	317	47	20	20	NUM
easat-6885	317	48	,	,	PUNCT
easat-6885	317	49	no	no	INTJ
easat-6885	317	50	.	.	NOUN
easat-6885	317	51	2	2	NUM
easat-6885	317	52	,	,	PUNCT
easat-6885	317	53	pp	pp	ADJ
easat-6885	317	54	.	.	PUNCT
easat-6885	318	1	16	16	NUM
easat-6885	318	2	-	-	SYM
easat-6885	318	3	25	25	NUM
easat-6885	318	4	,	,	PUNCT
easat-6885	318	5	2023	2023	NUM
easat-6885	318	6	.	.	PUNCT
easat-6885	319	1	https://doi.org/10.21511/imfi.20(2).2023.02	https://doi.org/10.21511/imfi.20(2).2023.02	ADJ
easat-6885	320	1	[	[	X
easat-6885	320	2	29	29	NUM
easat-6885	320	3	]	]	X
easat-6885	320	4	n.	n.	NOUN
easat-6885	320	5	yoshino	yoshino	PROPN
easat-6885	320	6	and	and	CCONJ
easat-6885	320	7	f.	f.	PROPN
easat-6885	320	8	taghizadeh	taghizadeh	PROPN
easat-6885	320	9	-	-	PUNCT
easat-6885	320	10	hesary	hesary	ADJ
easat-6885	320	11	,	,	PUNCT
easat-6885	320	12	"	"	PUNCT
easat-6885	320	13	optimal	optimal	ADJ
easat-6885	320	14	credit	credit	NOUN
easat-6885	320	15	guarantee	guarantee	NOUN
easat-6885	320	16	ratio	ratio	NOUN
easat-6885	320	17	for	for	ADP
easat-6885	320	18	small	small	ADJ
easat-6885	320	19	and	and	CCONJ
easat-6885	320	20	medium	medium	ADJ
easat-6885	320	21	-	-	PUNCT
easat-6885	320	22	sized	sized	ADJ
easat-6885	320	23	enterprises	enterprise	NOUN
easat-6885	320	24	’	'	PUNCT
easat-6885	320	25	financing	financing	NOUN
easat-6885	320	26	:	:	PUNCT
easat-6885	320	27	evidence	evidence	NOUN
easat-6885	320	28	from	from	ADP
easat-6885	320	29	asia	asia	PROPN
easat-6885	320	30	,	,	PUNCT
easat-6885	320	31	"	"	PUNCT
easat-6885	320	32	economic	economic	ADJ
easat-6885	320	33	analysis	analysis	NOUN
easat-6885	320	34	and	and	CCONJ
easat-6885	320	35	policy	policy	NOUN
easat-6885	320	36	,	,	PUNCT
easat-6885	320	37	vol	vol	NOUN
easat-6885	320	38	.	.	PROPN
easat-6885	320	39	62	62	NUM
easat-6885	320	40	,	,	PUNCT
easat-6885	320	41	pp	pp	ADJ
easat-6885	320	42	.	.	PUNCT
easat-6885	321	1	342	342	NUM
easat-6885	321	2	-	-	SYM
easat-6885	321	3	356	356	NUM
easat-6885	321	4	,	,	PUNCT
easat-6885	321	5	2019	2019	NUM
easat-6885	321	6	.	.	PUNCT
easat-6885	322	1	https://doi.org/10.1016/j.eap.2018.09.011	https://doi.org/10.1016/j.eap.2018.09.011	PROPN
easat-6885	323	1	[	[	X
easat-6885	323	2	30	30	NUM
easat-6885	323	3	]	]	X
easat-6885	323	4	m.	m.	NOUN
easat-6885	323	5	m.	m.	NOUN
easat-6885	323	6	rahman	rahman	PROPN
easat-6885	323	7	and	and	CCONJ
easat-6885	323	8	m.	m.	PROPN
easat-6885	323	9	a.	a.	PROPN
easat-6885	323	10	halim	halim	PROPN
easat-6885	323	11	,	,	PUNCT
easat-6885	323	12	"	"	PUNCT
easat-6885	323	13	does	do	AUX
easat-6885	323	14	the	the	DET
easat-6885	323	15	export	export	NOUN
easat-6885	323	16	-	-	PUNCT
easat-6885	323	17	to	to	ADP
easat-6885	323	18	-	-	PUNCT
easat-6885	323	19	import	import	NOUN
easat-6885	323	20	ratio	ratio	NOUN
easat-6885	323	21	affect	affect	VERB
easat-6885	323	22	environmental	environmental	ADJ
easat-6885	323	23	sustainability	sustainability	NOUN
easat-6885	323	24	?	?	PUNCT
easat-6885	324	1	evidence	evidence	NOUN
easat-6885	324	2	from	from	ADP
easat-6885	324	3	brics	bric	NOUN
easat-6885	324	4	countries	country	NOUN
easat-6885	324	5	,	,	PUNCT
easat-6885	324	6	"	"	PUNCT
easat-6885	324	7	energy	energy	NOUN
easat-6885	324	8	&	&	CCONJ
easat-6885	324	9	environment	environment	PROPN
easat-6885	324	10	,	,	PUNCT
easat-6885	324	11	vol	vol	NOUN
easat-6885	324	12	.	.	PROPN
easat-6885	324	13	35	35	NUM
easat-6885	324	14	,	,	PUNCT
easat-6885	324	15	no	no	INTJ
easat-6885	324	16	.	.	NOUN
easat-6885	324	17	2	2	NUM
easat-6885	324	18	,	,	PUNCT
easat-6885	324	19	pp	pp	ADJ
easat-6885	324	20	.	.	PUNCT
easat-6885	325	1	904	904	NUM
easat-6885	325	2	-	-	SYM
easat-6885	325	3	926	926	NUM
easat-6885	325	4	,	,	PUNCT
easat-6885	325	5	2024	2024	NUM
easat-6885	325	6	.	.	PUNCT
easat-6885	326	1	https://doi.org/10.1177/0958305x221134946	https://doi.org/10.1177/0958305x221134946	PUNCT
easat-6885	327	1	[	[	X
easat-6885	327	2	31	31	NUM
easat-6885	327	3	]	]	PUNCT
easat-6885	327	4	t.	t.	PROPN
easat-6885	327	5	s.	s.	PROPN
easat-6885	327	6	msomi	msomi	PROPN
easat-6885	327	7	and	and	CCONJ
easat-6885	327	8	m.	m.	PROPN
easat-6885	327	9	o.	o.	PROPN
easat-6885	327	10	odunayo	odunayo	VERB
easat-6885	327	11	,	,	PUNCT
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easat-6885	327	13	dynamic	dynamic	ADJ
easat-6885	327	14	panel	panel	NOUN
easat-6885	327	15	investigation	investigation	NOUN
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easat-6885	327	18	determinants	determinant	NOUN
easat-6885	327	19	of	of	ADP
easat-6885	327	20	south	south	ADJ
easat-6885	327	21	african	african	ADJ
easat-6885	327	22	commercial	commercial	ADJ
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easat-6885	327	25	operational	operational	ADJ
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easat-6885	327	29	banks	bank	NOUN
easat-6885	327	30	and	and	CCONJ
easat-6885	327	31	bank	bank	NOUN
easat-6885	327	32	systems	system	NOUN
easat-6885	327	33	,	,	PUNCT
easat-6885	327	34	vol	vol	NOUN
easat-6885	327	35	.	.	PROPN
easat-6885	327	36	17	17	NUM
easat-6885	327	37	,	,	PUNCT
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easat-6885	327	39	.	.	NOUN
easat-6885	327	40	4	4	NUM
easat-6885	327	41	,	,	PUNCT
easat-6885	327	42	p.	p.	NOUN
easat-6885	327	43	35	35	NUM
easat-6885	327	44	,	,	PUNCT
easat-6885	327	45	2022	2022	NUM
easat-6885	327	46	.	.	PUNCT
easat-6885	328	1	https://doi.org/10.21511/bbs.17(4	https://doi.org/10.21511/bbs.17(4	ADJ
easat-6885	328	2	)	)	PUNCT
easat-6885	329	1	https://doi.org/10.1108/emjb-04-2023-0099	https://doi.org/10.1108/emjb-04-2023-0099	NOUN
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easat-6885	329	10	https://doi.org/10.1108/jstpm-12-2020-0169	https://doi.org/10.1108/jstpm-12-2020-0169	PROPN
easat-6885	329	11	https://doi.org/10.1108/mf-01-2020-0024	https://doi.org/10.1108/mf-01-2020-0024	PROPN
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easat-6885	329	13	https://doi.org/10.21511/bbs.18(3).2023.17	https://doi.org/10.21511/bbs.18(3).2023.17	X
easat-6885	329	14	https://doi.org/10.1016/j.jbankfin.2022.106742	https://doi.org/10.1016/j.jbankfin.2022.106742	PROPN
easat-6885	329	15	https://doi.org/10.21511/imfi.20(2).2023.02	https://doi.org/10.21511/imfi.20(2).2023.02	PROPN
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easat-6885	329	17	https://doi.org/10.1177/0958305x221134946	https://doi.org/10.1177/0958305x221134946	X
easat-6885	329	18	https://doi.org/10.21511/bbs.17(4	https://doi.org/10.21511/bbs.17(4	PROPN
easat-6885	329	19	435	435	NUM
easat-6885	329	20	edelweiss	edelweiss	PROPN
easat-6885	329	21	applied	apply	VERB
easat-6885	329	22	science	science	NOUN
easat-6885	329	23	and	and	CCONJ
easat-6885	329	24	technology	technology	NOUN
easat-6885	329	25	issn	issn	PROPN
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easat-6885	329	27	2576	2576	NUM
easat-6885	329	28	-	-	SYM
easat-6885	329	29	8484	8484	NUM
easat-6885	329	30	vol	vol	NOUN
easat-6885	329	31	.	.	PROPN
easat-6885	330	1	9	9	NUM
easat-6885	330	2	,	,	PUNCT
easat-6885	330	3	no	no	INTJ
easat-6885	330	4	.	.	NOUN
easat-6885	330	5	5	5	NUM
easat-6885	330	6	:	:	PUNCT
easat-6885	330	7	424	424	NUM
easat-6885	330	8	-	-	SYM
easat-6885	330	9	435	435	NUM
easat-6885	330	10	,	,	PUNCT
easat-6885	330	11	2025	2025	NUM
easat-6885	330	12	doi	doi	NOUN
easat-6885	330	13	:	:	PUNCT
easat-6885	330	14	10.55214/25768484.v9i5.6885	10.55214/25768484.v9i5.6885	NUM
easat-6885	330	15	©	©	NOUN
easat-6885	330	16	2025	2025	NUM
easat-6885	330	17	by	by	ADP
easat-6885	330	18	the	the	DET
easat-6885	330	19	authors	author	NOUN
easat-6885	330	20	;	;	PUNCT
easat-6885	331	1	licensee	licensee	PROPN
easat-6885	331	2	learning	learning	NOUN
easat-6885	331	3	gate	gate	NOUN
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easat-6885	331	5	32	32	NUM
easat-6885	331	6	]	]	PUNCT
easat-6885	331	7	h.	h.	PROPN
easat-6885	331	8	h.	h.	PROPN
easat-6885	331	9	khan	khan	PROPN
easat-6885	331	10	,	,	PUNCT
easat-6885	331	11	"	"	PUNCT
easat-6885	331	12	bank	bank	NOUN
easat-6885	331	13	competition	competition	NOUN
easat-6885	331	14	,	,	PUNCT
easat-6885	331	15	financial	financial	ADJ
easat-6885	331	16	development	development	NOUN
easat-6885	331	17	and	and	CCONJ
easat-6885	331	18	macroeconomic	macroeconomic	ADJ
easat-6885	331	19	stability	stability	NOUN
easat-6885	331	20	:	:	PUNCT
easat-6885	331	21	empirical	empirical	ADJ
easat-6885	331	22	evidence	evidence	NOUN
easat-6885	331	23	from	from	ADP
easat-6885	331	24	emerging	emerge	VERB
easat-6885	331	25	economies	economy	NOUN
easat-6885	331	26	,	,	PUNCT
easat-6885	331	27	"	"	PUNCT
easat-6885	331	28	economic	economic	ADJ
easat-6885	331	29	systems	system	NOUN
easat-6885	331	30	,	,	PUNCT
easat-6885	331	31	vol	vol	NOUN
easat-6885	331	32	.	.	PROPN
easat-6885	331	33	46	46	NUM
easat-6885	331	34	,	,	PUNCT
easat-6885	331	35	no	no	INTJ
easat-6885	331	36	.	.	NOUN
easat-6885	331	37	4	4	NUM
easat-6885	331	38	,	,	PUNCT
easat-6885	331	39	p.	p.	NOUN
easat-6885	331	40	101022	101022	NUM
easat-6885	331	41	,	,	PUNCT
easat-6885	331	42	2022	2022	NUM
easat-6885	331	43	.	.	PUNCT
easat-6885	332	1	https://doi.org/10.1016/j.ecosys.2022.101022	https://doi.org/10.1016/j.ecosys.2022.101022	NOUN
easat-6885	333	1	[	[	X
easat-6885	333	2	33	33	NUM
easat-6885	333	3	]	]	PUNCT
easat-6885	333	4	r.	r.	PROPN
easat-6885	333	5	emekter	emekter	PROPN
easat-6885	333	6	,	,	PUNCT
easat-6885	333	7	y.	y.	PROPN
easat-6885	333	8	tu	tu	PROPN
easat-6885	333	9	,	,	PUNCT
easat-6885	333	10	b.	b.	PROPN
easat-6885	333	11	jirasakuldech	jirasakuldech	PROPN
easat-6885	333	12	,	,	PUNCT
easat-6885	333	13	and	and	CCONJ
easat-6885	333	14	m.	m.	PROPN
easat-6885	333	15	lu	lu	PROPN
easat-6885	333	16	,	,	PUNCT
easat-6885	333	17	"	"	PUNCT
easat-6885	333	18	evaluating	evaluate	VERB
easat-6885	333	19	credit	credit	NOUN
easat-6885	333	20	risk	risk	NOUN
easat-6885	333	21	and	and	CCONJ
easat-6885	333	22	loan	loan	NOUN
easat-6885	333	23	performance	performance	NOUN
easat-6885	333	24	in	in	ADP
easat-6885	333	25	online	online	ADJ
easat-6885	333	26	peer	peer	NOUN
easat-6885	333	27	-	-	PUNCT
easat-6885	333	28	to	to	ADP
easat-6885	333	29	-	-	PUNCT
easat-6885	333	30	peer	peer	NOUN
easat-6885	333	31	(	(	PUNCT
easat-6885	333	32	p2p	p2p	NOUN
easat-6885	333	33	)	)	PUNCT
easat-6885	333	34	lending	lending	NOUN
easat-6885	333	35	,	,	PUNCT
easat-6885	333	36	"	"	PUNCT
easat-6885	333	37	applied	apply	VERB
easat-6885	333	38	economics	economic	NOUN
easat-6885	333	39	,	,	PUNCT
easat-6885	333	40	vol	vol	NOUN
easat-6885	333	41	.	.	PROPN
easat-6885	334	1	47	47	NUM
easat-6885	334	2	,	,	PUNCT
easat-6885	334	3	no	no	INTJ
easat-6885	334	4	.	.	NOUN
easat-6885	334	5	1	1	NUM
easat-6885	334	6	,	,	PUNCT
easat-6885	334	7	pp	pp	ADJ
easat-6885	334	8	.	.	PUNCT
easat-6885	335	1	54	54	NUM
easat-6885	335	2	-	-	SYM
easat-6885	335	3	70	70	NUM
easat-6885	335	4	,	,	PUNCT
easat-6885	335	5	2015	2015	NUM
easat-6885	335	6	.	.	PUNCT
easat-6885	336	1	https://doi.org/10.1080/00036846.2014.962222	https://doi.org/10.1080/00036846.2014.962222	PROPN
easat-6885	337	1	[	[	X
easat-6885	337	2	34	34	NUM
easat-6885	337	3	]	]	X
easat-6885	337	4	o.	o.	PROPN
easat-6885	337	5	mulska	mulska	PROPN
easat-6885	337	6	,	,	PUNCT
easat-6885	337	7	i.	i.	PROPN
easat-6885	337	8	storonyanska	storonyanska	PROPN
easat-6885	337	9	,	,	PUNCT
easat-6885	337	10	k.	k.	PROPN
easat-6885	337	11	patytska	patytska	PROPN
easat-6885	337	12	,	,	PUNCT
easat-6885	337	13	u.	u.	PROPN
easat-6885	337	14	ivaniuk	ivaniuk	PROPN
easat-6885	337	15	,	,	PUNCT
easat-6885	337	16	and	and	CCONJ
easat-6885	337	17	h.	h.	PROPN
easat-6885	337	18	voznyak	voznyak	PROPN
easat-6885	337	19	,	,	PUNCT
easat-6885	337	20	"	"	PUNCT
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easat-6885	337	25	regions	region	NOUN
easat-6885	337	26	and	and	CCONJ
easat-6885	337	27	determinants	determinant	NOUN
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easat-6885	337	29	financial	financial	ADJ
easat-6885	337	30	resilience	resilience	NOUN
easat-6885	337	31	:	:	PUNCT
easat-6885	337	32	modeling	model	VERB
easat-6885	337	33	the	the	DET
easat-6885	337	34	causal	causal	NOUN
easat-6885	337	35	nexus	nexus	NOUN
easat-6885	337	36	,	,	PUNCT
easat-6885	337	37	"	"	PUNCT
easat-6885	337	38	problems	problem	NOUN
easat-6885	337	39	and	and	CCONJ
easat-6885	337	40	perspectives	perspective	NOUN
easat-6885	337	41	in	in	ADP
easat-6885	337	42	management	management	NOUN
easat-6885	337	43	,	,	PUNCT
easat-6885	337	44	vol	vol	NOUN
easat-6885	337	45	.	.	PROPN
easat-6885	337	46	21	21	NUM
easat-6885	337	47	,	,	PUNCT
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easat-6885	337	50	4	4	NUM
easat-6885	337	51	,	,	PUNCT
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easat-6885	337	54	,	,	PUNCT
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easat-6885	337	57	https://doi.org/10.21511/ppm.21(4).2023.31	https://doi.org/10.21511/ppm.21(4).2023.31	PUNCT
easat-6885	338	1	[	[	X
easat-6885	338	2	35	35	NUM
easat-6885	338	3	]	]	PUNCT
easat-6885	338	4	z.	z.	PROPN
easat-6885	338	5	y.	y.	PROPN
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easat-6885	338	7	,	,	PUNCT
easat-6885	338	8	s.	s.	PROPN
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easat-6885	338	10	,	,	PUNCT
easat-6885	338	11	and	and	CCONJ
easat-6885	338	12	z.	z.	PROPN
easat-6885	338	13	a.	a.	PROPN
easat-6885	338	14	halim	halim	PROPN
easat-6885	338	15	,	,	PUNCT
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easat-6885	338	17	household	household	NOUN
easat-6885	338	18	consumption	consumption	NOUN
easat-6885	338	19	and	and	CCONJ
easat-6885	338	20	indebtedness	indebtedness	NOUN
easat-6885	338	21	:	:	PUNCT
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easat-6885	338	23	there	there	PRON
easat-6885	338	24	disparities	disparity	NOUN
easat-6885	338	25	between	between	ADP
easat-6885	338	26	genders	gender	NOUN
easat-6885	338	27	,	,	PUNCT
easat-6885	338	28	rural	rural	ADJ
easat-6885	338	29	-	-	PUNCT
easat-6885	338	30	urban	urban	ADJ
easat-6885	338	31	areas	area	NOUN
easat-6885	338	32	,	,	PUNCT
easat-6885	338	33	and	and	CCONJ
easat-6885	338	34	among	among	ADP
easat-6885	338	35	income	income	NOUN
easat-6885	338	36	groups	group	NOUN
easat-6885	338	37	?	?	PUNCT
easat-6885	338	38	,	,	PUNCT
easat-6885	338	39	"	"	PUNCT
easat-6885	338	40	economics	economic	NOUN
easat-6885	338	41	&	&	CCONJ
easat-6885	338	42	sociology	sociology	NOUN
easat-6885	338	43	,	,	PUNCT
easat-6885	338	44	vol	vol	NOUN
easat-6885	338	45	.	.	PROPN
easat-6885	338	46	16	16	NUM
easat-6885	338	47	,	,	PUNCT
easat-6885	338	48	no	no	INTJ
easat-6885	338	49	.	.	NOUN
easat-6885	339	1	3	3	NUM
easat-6885	339	2	,	,	PUNCT
easat-6885	339	3	pp	pp	ADJ
easat-6885	339	4	.	.	PUNCT
easat-6885	340	1	30	30	NUM
easat-6885	340	2	-	-	SYM
easat-6885	340	3	43	43	NUM
easat-6885	340	4	,	,	PUNCT
easat-6885	340	5	2023	2023	NUM
easat-6885	340	6	.	.	PUNCT
easat-6885	341	1	https://doi.org/10.14254/2071-789x.2023/16-3/2	https://doi.org/10.14254/2071-789x.2023/16-3/2	NOUN
easat-6885	341	2	[	[	X
easat-6885	341	3	36	36	NUM
easat-6885	341	4	]	]	X
easat-6885	341	5	h.	h.	PROPN
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easat-6885	341	7	,	,	PUNCT
easat-6885	341	8	p.	p.	NOUN
easat-6885	341	9	a.	a.	NOUN
easat-6885	341	10	wibowo	wibowo	PROPN
easat-6885	341	11	,	,	PUNCT
easat-6885	341	12	and	and	CCONJ
easat-6885	341	13	d.	d.	PROPN
easat-6885	341	14	s.	s.	PROPN
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easat-6885	341	18	bank	bank	NOUN
easat-6885	341	19	stability	stability	NOUN
easat-6885	341	20	and	and	CCONJ
easat-6885	341	21	fintech	fintech	NOUN
easat-6885	341	22	impact	impact	NOUN
easat-6885	341	23	on	on	ADP
easat-6885	341	24	msmes'credit	msmes'credit	NOUN
easat-6885	341	25	performance	performance	NOUN
easat-6885	341	26	and	and	CCONJ
easat-6885	341	27	credit	credit	NOUN
easat-6885	341	28	accessibility	accessibility	NOUN
easat-6885	341	29	,	,	PUNCT
easat-6885	341	30	"	"	PUNCT
easat-6885	341	31	banks	bank	NOUN
easat-6885	341	32	and	and	CCONJ
easat-6885	341	33	bank	bank	NOUN
easat-6885	341	34	systems	system	NOUN
easat-6885	341	35	,	,	PUNCT
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easat-6885	341	37	.	.	PROPN
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easat-6885	341	42	4	4	NUM
easat-6885	341	43	,	,	PUNCT
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easat-6885	341	45	105	105	NUM
easat-6885	341	46	,	,	PUNCT
easat-6885	341	47	2023	2023	NUM
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easat-6885	342	1	https://doi.org/10.21511/bbs.18(4).2023.10	https://doi.org/10.21511/bbs.18(4).2023.10	PUNCT
easat-6885	343	1	[	[	X
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easat-6885	343	8	d.	d.	PROPN
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easat-6885	343	12	d.	d.	PROPN
easat-6885	343	13	wahyuni	wahyuni	PROPN
easat-6885	343	14	,	,	PUNCT
easat-6885	343	15	and	and	CCONJ
easat-6885	343	16	a.	a.	PROPN
easat-6885	343	17	l.	l.	PROPN
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easat-6885	343	22	deterrence	deterrence	NOUN
easat-6885	343	23	propellers	propeller	NOUN
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easat-6885	343	25	internal	internal	ADJ
easat-6885	343	26	control	control	NOUN
easat-6885	343	27	quality	quality	NOUN
easat-6885	343	28	improvement	improvement	NOUN
easat-6885	343	29	,	,	PUNCT
easat-6885	343	30	"	"	PUNCT
easat-6885	343	31	calitatea	calitatea	NOUN
easat-6885	343	32	,	,	PUNCT
easat-6885	343	33	vol	vol	NOUN
easat-6885	343	34	.	.	PROPN
easat-6885	343	35	25	25	NUM
easat-6885	343	36	,	,	PUNCT
easat-6885	343	37	no	no	INTJ
easat-6885	343	38	.	.	NOUN
easat-6885	343	39	203	203	NUM
easat-6885	343	40	,	,	PUNCT
easat-6885	343	41	pp	pp	ADJ
easat-6885	343	42	.	.	PUNCT
easat-6885	344	1	69	69	NUM
easat-6885	344	2	-	-	SYM
easat-6885	344	3	82	82	NUM
easat-6885	344	4	,	,	PUNCT
easat-6885	344	5	2024	2024	NUM
easat-6885	344	6	.	.	PUNCT
easat-6885	345	1	[	[	X
easat-6885	345	2	38	38	NUM
easat-6885	345	3	]	]	PUNCT
easat-6885	345	4	k.	k.	PROPN
easat-6885	345	5	a.	a.	PROPN
easat-6885	345	6	koerniawan	koerniawan	PROPN
easat-6885	345	7	,	,	PUNCT
easat-6885	345	8	g.	g.	PROPN
easat-6885	345	9	t.	t.	PROPN
easat-6885	345	10	murti	murti	PROPN
easat-6885	345	11	,	,	PUNCT
easat-6885	345	12	r.	r.	PROPN
easat-6885	345	13	s.	s.	PROPN
easat-6885	345	14	saraswati	saraswati	PROPN
easat-6885	345	15	,	,	PUNCT
easat-6885	345	16	and	and	CCONJ
easat-6885	345	17	h.	h.	PROPN
easat-6885	345	18	hilda	hilda	PROPN
easat-6885	345	19	,	,	PUNCT
easat-6885	345	20	"	"	PUNCT
easat-6885	345	21	assessing	assess	VERB
easat-6885	345	22	fraud	fraud	NOUN
easat-6885	345	23	deterrence	deterrence	NOUN
easat-6885	345	24	in	in	ADP
easat-6885	345	25	private	private	ADJ
easat-6885	345	26	health	health	NOUN
easat-6885	345	27	clinics	clinic	NOUN
easat-6885	345	28	:	:	PUNCT
easat-6885	345	29	policy	policy	NOUN
easat-6885	345	30	implications	implication	NOUN
easat-6885	345	31	from	from	ADP
easat-6885	345	32	west	west	PROPN
easat-6885	345	33	java	java	PROPN
easat-6885	345	34	,	,	PUNCT
easat-6885	345	35	"	"	PUNCT
easat-6885	345	36	jurnal	jurnal	ADJ
easat-6885	345	37	reviu	reviu	PROPN
easat-6885	345	38	akuntansi	akuntansi	PROPN
easat-6885	345	39	dan	dan	PROPN
easat-6885	345	40	keuangan	keuangan	PROPN
easat-6885	345	41	,	,	PUNCT
easat-6885	345	42	vol	vol	NOUN
easat-6885	345	43	.	.	PROPN
easat-6885	345	44	14	14	NUM
easat-6885	345	45	,	,	PUNCT
easat-6885	345	46	no	no	INTJ
easat-6885	345	47	.	.	NOUN
easat-6885	345	48	2	2	NUM
easat-6885	345	49	,	,	PUNCT
easat-6885	345	50	pp	pp	ADJ
easat-6885	345	51	.	.	PUNCT
easat-6885	346	1	350	350	NUM
easat-6885	346	2	-	-	SYM
easat-6885	346	3	379	379	NUM
easat-6885	346	4	,	,	PUNCT
easat-6885	346	5	2024	2024	NUM
easat-6885	346	6	.	.	PUNCT
easat-6885	347	1	[	[	X
easat-6885	347	2	39	39	NUM
easat-6885	347	3	]	]	PUNCT
easat-6885	347	4	k.	k.	PROPN
easat-6885	347	5	a.	a.	PROPN
easat-6885	347	6	koerniawan	koerniawan	PROPN
easat-6885	347	7	,	,	PUNCT
easat-6885	347	8	n.	n.	PROPN
easat-6885	347	9	n.	n.	PROPN
easat-6885	347	10	afiah	afiah	PROPN
easat-6885	347	11	,	,	PUNCT
easat-6885	347	12	m.	m.	NOUN
easat-6885	347	13	sueb	sueb	NOUN
easat-6885	347	14	,	,	PUNCT
easat-6885	347	15	and	and	CCONJ
easat-6885	347	16	j.	j.	PROPN
easat-6885	347	17	suprijadi	suprijadi	PROPN
easat-6885	347	18	,	,	PUNCT
easat-6885	347	19	"	"	PUNCT
easat-6885	347	20	fraud	fraud	NOUN
easat-6885	347	21	deterrence	deterrence	NOUN
easat-6885	347	22	:	:	PUNCT
easat-6885	347	23	the	the	DET
easat-6885	347	24	management	management	NOUN
easat-6885	347	25	’s	’s	PART
easat-6885	347	26	intention	intention	NOUN
easat-6885	347	27	in	in	ADP
easat-6885	347	28	using	use	VERB
easat-6885	347	29	fcp	fcp	PROPN
easat-6885	347	30	,	,	PUNCT
easat-6885	347	31	"	"	PUNCT
easat-6885	347	32	quality	quality	NOUN
easat-6885	347	33	-	-	PUNCT
easat-6885	347	34	access	access	NOUN
easat-6885	347	35	to	to	ADP
easat-6885	347	36	success	success	NOUN
easat-6885	347	37	,	,	PUNCT
easat-6885	347	38	vol	vol	NOUN
easat-6885	347	39	.	.	PROPN
easat-6885	347	40	23	23	NUM
easat-6885	347	41	,	,	PUNCT
easat-6885	347	42	no	no	INTJ
easat-6885	347	43	.	.	NOUN
easat-6885	347	44	190	190	NUM
easat-6885	347	45	,	,	PUNCT
easat-6885	347	46	pp	pp	ADJ
easat-6885	347	47	.	.	PUNCT
easat-6885	348	1	292	292	NUM
easat-6885	348	2	-	-	SYM
easat-6885	348	3	301	301	NUM
easat-6885	348	4	,	,	PUNCT
easat-6885	348	5	2022	2022	NUM
easat-6885	348	6	.	.	PUNCT
easat-6885	349	1	https://doi.org/10.47750/qas/23.190.31	https://doi.org/10.47750/qas/23.190.31	PROPN
easat-6885	349	2	https://doi.org/10.1016/j.ecosys.2022.101022	https://doi.org/10.1016/j.ecosys.2022.101022	PROPN
easat-6885	349	3	https://doi.org/10.1080/00036846.2014.962222	https://doi.org/10.1080/00036846.2014.962222	PROPN
easat-6885	349	4	https://doi.org/10.21511/ppm.21(4).2023.31	https://doi.org/10.21511/ppm.21(4).2023.31	ADJ
easat-6885	349	5	https://doi.org/10.14254/2071-789x.2023/16-3/2	https://doi.org/10.14254/2071-789x.2023/16-3/2	NOUN
easat-6885	349	6	https://doi.org/10.21511/bbs.18(4).2023.10	https://doi.org/10.21511/bbs.18(4).2023.10	PUNCT
easat-6885	349	7	https://doi.org/10.47750/qas/23.190.31	https://doi.org/10.47750/qas/23.190.31	NOUN