id	sid	tid	token	lemma	pos
easat-7236	1	1	edelweiss	edelweiss	PROPN
easat-7236	1	2	applied	apply	VERB
easat-7236	1	3	science	science	NOUN
easat-7236	1	4	and	and	CCONJ
easat-7236	1	5	technology	technology	NOUN
easat-7236	1	6	issn	issn	PROPN
easat-7236	1	7	:	:	PUNCT
easat-7236	1	8	2576	2576	NUM
easat-7236	1	9	-	-	SYM
easat-7236	1	10	8484	8484	NUM
easat-7236	1	11	vol	vol	NOUN
easat-7236	1	12	.	.	PROPN
easat-7236	2	1	9	9	NUM
easat-7236	2	2	,	,	PUNCT
easat-7236	2	3	no	no	INTJ
easat-7236	2	4	.	.	NOUN
easat-7236	2	5	5	5	NUM
easat-7236	2	6	,	,	PUNCT
easat-7236	2	7	1593	1593	NUM
easat-7236	2	8	-	-	SYM
easat-7236	2	9	1609	1609	NUM
easat-7236	2	10	2025	2025	NUM
easat-7236	2	11	publisher	publisher	NOUN
easat-7236	2	12	:	:	PUNCT
easat-7236	2	13	learning	learn	VERB
easat-7236	2	14	gate	gate	NOUN
easat-7236	2	15	doi	doi	PROPN
easat-7236	2	16	:	:	PUNCT
easat-7236	2	17	10.55214/25768484.v9i5.7236	10.55214/25768484.v9i5.7236	NUM
easat-7236	2	18	©	©	PROPN
easat-7236	2	19	2025	2025	NUM
easat-7236	2	20	by	by	ADP
easat-7236	2	21	the	the	DET
easat-7236	2	22	authors	author	NOUN
easat-7236	2	23	;	;	PUNCT
easat-7236	2	24	licensee	licensee	PROPN
easat-7236	2	25	learning	learning	NOUN
easat-7236	2	26	gate	gate	NOUN
easat-7236	3	1	©	©	PROPN
easat-7236	3	2	2025	2025	NUM
easat-7236	3	3	by	by	ADP
easat-7236	3	4	the	the	DET
easat-7236	3	5	authors	author	NOUN
easat-7236	3	6	;	;	PUNCT
easat-7236	3	7	licensee	licensee	PROPN
easat-7236	3	8	learning	learning	NOUN
easat-7236	3	9	gate	gate	NOUN
easat-7236	3	10	history	history	NOUN
easat-7236	3	11	:	:	PUNCT
easat-7236	3	12	received	receive	VERB
easat-7236	3	13	:	:	PUNCT
easat-7236	3	14	10	10	NUM
easat-7236	3	15	february	february	NOUN
easat-7236	3	16	2025	2025	NUM
easat-7236	3	17	;	;	PUNCT
easat-7236	3	18	revised	revise	VERB
easat-7236	3	19	:	:	PUNCT
easat-7236	3	20	20	20	NUM
easat-7236	3	21	april	april	PROPN
easat-7236	3	22	2025	2025	NUM
easat-7236	3	23	;	;	PUNCT
easat-7236	3	24	accepted	accept	VERB
easat-7236	3	25	:	:	PUNCT
easat-7236	3	26	23	23	NUM
easat-7236	3	27	april	april	PROPN
easat-7236	3	28	2025	2025	NUM
easat-7236	3	29	;	;	PUNCT
easat-7236	3	30	published	publish	VERB
easat-7236	3	31	:	:	PUNCT
easat-7236	4	1	15	15	NUM
easat-7236	4	2	may	may	PROPN
easat-7236	4	3	2025	2025	NUM
easat-7236	4	4	*	*	PUNCT
easat-7236	4	5	correspondence	correspondence	NOUN
easat-7236	4	6	:	:	PUNCT
easat-7236	4	7	subbalakshmi.avvs@vit.ac.in	subbalakshmi.avvs@vit.ac.in	VERB
easat-7236	4	8	the	the	DET
easat-7236	4	9	confluence	confluence	NOUN
easat-7236	4	10	of	of	ADP
easat-7236	4	11	financial	financial	ADJ
easat-7236	4	12	literacy	literacy	NOUN
easat-7236	4	13	and	and	CCONJ
easat-7236	4	14	fintech	fintech	NOUN
easat-7236	4	15	:	:	PUNCT
easat-7236	4	16	a	a	DET
easat-7236	4	17	bibliometric	bibliometric	ADJ
easat-7236	4	18	and	and	CCONJ
easat-7236	4	19	systematic	systematic	ADJ
easat-7236	4	20	study	study	NOUN
easat-7236	4	21	venkata	venkata	PROPN
easat-7236	4	22	vara	vara	PROPN
easat-7236	4	23	prasad	prasad	PROPN
easat-7236	4	24	janjanam1	janjanam1	PROPN
easat-7236	4	25	,	,	PUNCT
easat-7236	4	26	subbalakshmi	subbalakshmi	PROPN
easat-7236	4	27	.	.	PUNCT
easat-7236	5	1	a.v.v.s2	a.v.v.s2	PROPN
easat-7236	5	2	*	*	PUNCT
easat-7236	5	3	1vit	1vit	PROPN
easat-7236	5	4	-	-	PUNCT
easat-7236	5	5	ap	ap	PROPN
easat-7236	5	6	university	university	PROPN
easat-7236	5	7	,	,	PUNCT
easat-7236	5	8	amaravati	amaravati	PROPN
easat-7236	5	9	,	,	PUNCT
easat-7236	5	10	andhrapradesh	andhrapradesh	PROPN
easat-7236	5	11	,	,	PUNCT
easat-7236	5	12	india	india	PROPN
easat-7236	5	13	;	;	PUNCT
easat-7236	5	14	venkatavaraprasad.j@vitap.ac.in	venkatavaraprasad.j@vitap.ac.in	CCONJ
easat-7236	5	15	(	(	PUNCT
easat-7236	5	16	v.v.p.j	v.v.p.j	PROPN
easat-7236	5	17	.	.	PUNCT
easat-7236	5	18	)	)	PUNCT
easat-7236	6	1	2dept	2dept	NUM
easat-7236	6	2	.	.	NOUN
easat-7236	6	3	of	of	ADP
easat-7236	6	4	commerce	commerce	PROPN
easat-7236	6	5	,	,	PUNCT
easat-7236	6	6	ssl	ssl	PROPN
easat-7236	6	7	,	,	PUNCT
easat-7236	6	8	vit	vit	ADJ
easat-7236	6	9	university	university	NOUN
easat-7236	6	10	vellore	vellore	NOUN
easat-7236	6	11	,	,	PUNCT
easat-7236	6	12	tamilnadu	tamilnadu	PROPN
easat-7236	6	13	,	,	PUNCT
easat-7236	6	14	india	india	PROPN
easat-7236	6	15	;	;	PUNCT
easat-7236	6	16	subbalakshmi.avvs@vit.ac.in	subbalakshmi.avvs@vit.ac.in	PROPN
easat-7236	6	17	(	(	PUNCT
easat-7236	6	18	s.a.a.v.s	s.a.a.v.s	NOUN
easat-7236	6	19	.	.	PUNCT
easat-7236	6	20	)	)	PUNCT
easat-7236	7	1	abstract	abstract	NOUN
easat-7236	7	2	:	:	PUNCT
easat-7236	7	3	this	this	DET
easat-7236	7	4	study	study	NOUN
easat-7236	7	5	conducts	conduct	VERB
easat-7236	7	6	a	a	DET
easat-7236	7	7	bibliometric	bibliometric	ADJ
easat-7236	7	8	analysis	analysis	NOUN
easat-7236	7	9	to	to	PART
easat-7236	7	10	explore	explore	VERB
easat-7236	7	11	the	the	DET
easat-7236	7	12	relationship	relationship	NOUN
easat-7236	7	13	between	between	ADP
easat-7236	7	14	financial	financial	ADJ
easat-7236	7	15	literacy	literacy	NOUN
easat-7236	7	16	and	and	CCONJ
easat-7236	7	17	fintech	fintech	NOUN
easat-7236	7	18	by	by	ADP
easat-7236	7	19	systematically	systematically	ADV
easat-7236	7	20	reviewing	review	VERB
easat-7236	7	21	the	the	DET
easat-7236	7	22	literature	literature	NOUN
easat-7236	7	23	.	.	PUNCT
easat-7236	8	1	the	the	DET
easat-7236	8	2	research	research	NOUN
easat-7236	8	3	method	method	NOUN
easat-7236	8	4	involved	involve	VERB
easat-7236	8	5	studying	study	VERB
easat-7236	8	6	relevant	relevant	ADJ
easat-7236	8	7	literature	literature	NOUN
easat-7236	8	8	,	,	PUNCT
easat-7236	8	9	authors	author	NOUN
easat-7236	8	10	,	,	PUNCT
easat-7236	8	11	and	and	CCONJ
easat-7236	8	12	publications	publication	NOUN
easat-7236	8	13	,	,	PUNCT
easat-7236	8	14	as	as	ADV
easat-7236	8	15	well	well	ADV
easat-7236	8	16	as	as	ADP
easat-7236	8	17	analyzing	analyze	VERB
easat-7236	8	18	the	the	DET
easat-7236	8	19	terms	term	NOUN
easat-7236	8	20	"	"	PUNCT
easat-7236	8	21	financial	financial	ADJ
easat-7236	8	22	literacy	literacy	NOUN
easat-7236	8	23	"	"	PUNCT
easat-7236	8	24	and	and	CCONJ
easat-7236	8	25	"	"	PUNCT
easat-7236	8	26	fintech	fintech	NOUN
easat-7236	8	27	"	"	PUNCT
easat-7236	8	28	using	use	VERB
easat-7236	8	29	a	a	DET
easat-7236	8	30	sample	sample	NOUN
easat-7236	8	31	of	of	ADP
easat-7236	8	32	200	200	NUM
easat-7236	8	33	publications	publication	NOUN
easat-7236	8	34	from	from	ADP
easat-7236	8	35	the	the	DET
easat-7236	8	36	scopus	scopus	PROPN
easat-7236	8	37	database	database	NOUN
easat-7236	8	38	(	(	PUNCT
easat-7236	8	39	2017	2017	NUM
easat-7236	8	40	-	-	SYM
easat-7236	8	41	2024	2024	NUM
easat-7236	8	42	)	)	PUNCT
easat-7236	8	43	.	.	PUNCT
easat-7236	9	1	the	the	DET
easat-7236	9	2	research	research	NOUN
easat-7236	9	3	tool	tool	NOUN
easat-7236	9	4	used	use	VERB
easat-7236	9	5	was	be	AUX
easat-7236	9	6	biblioshiny	biblioshiny	VERB
easat-7236	9	7	,	,	PUNCT
easat-7236	9	8	a	a	DET
easat-7236	9	9	web	web	NOUN
easat-7236	9	10	-	-	PUNCT
easat-7236	9	11	based	base	VERB
easat-7236	9	12	tool	tool	NOUN
easat-7236	9	13	from	from	ADP
easat-7236	9	14	the	the	DET
easat-7236	9	15	bibliometric	bibliometric	ADJ
easat-7236	9	16	package	package	NOUN
easat-7236	9	17	in	in	ADP
easat-7236	9	18	r	r	NOUN
easat-7236	9	19	,	,	PUNCT
easat-7236	9	20	and	and	CCONJ
easat-7236	9	21	the	the	DET
easat-7236	9	22	20	20	NUM
easat-7236	9	23	most	most	ADV
easat-7236	9	24	influential	influential	ADJ
easat-7236	9	25	publications	publication	NOUN
easat-7236	9	26	were	be	AUX
easat-7236	9	27	further	far	ADV
easat-7236	9	28	examined	examine	VERB
easat-7236	9	29	to	to	PART
easat-7236	9	30	provide	provide	VERB
easat-7236	9	31	valuable	valuable	ADJ
easat-7236	9	32	perspectives	perspective	NOUN
easat-7236	9	33	on	on	ADP
easat-7236	9	34	the	the	DET
easat-7236	9	35	current	current	ADJ
easat-7236	9	36	state	state	NOUN
easat-7236	9	37	of	of	ADP
easat-7236	9	38	research	research	NOUN
easat-7236	9	39	.	.	PUNCT
easat-7236	10	1	the	the	DET
easat-7236	10	2	findings	finding	NOUN
easat-7236	10	3	suggest	suggest	VERB
easat-7236	10	4	a	a	DET
easat-7236	10	5	need	need	NOUN
easat-7236	10	6	to	to	PART
easat-7236	10	7	shape	shape	VERB
easat-7236	10	8	the	the	DET
easat-7236	10	9	development	development	NOUN
easat-7236	10	10	of	of	ADP
easat-7236	10	11	financial	financial	ADJ
easat-7236	10	12	literacy	literacy	NOUN
easat-7236	10	13	and	and	CCONJ
easat-7236	10	14	education	education	NOUN
easat-7236	10	15	policies	policy	NOUN
easat-7236	10	16	and	and	CCONJ
easat-7236	10	17	indicate	indicate	VERB
easat-7236	10	18	that	that	SCONJ
easat-7236	10	19	further	further	ADJ
easat-7236	10	20	in	in	ADP
easat-7236	10	21	-	-	PUNCT
easat-7236	10	22	depth	depth	NOUN
easat-7236	10	23	data	datum	NOUN
easat-7236	10	24	exploration	exploration	NOUN
easat-7236	10	25	is	be	AUX
easat-7236	10	26	needed	need	VERB
easat-7236	10	27	to	to	PART
easat-7236	10	28	guide	guide	VERB
easat-7236	10	29	researchers	researcher	NOUN
easat-7236	10	30	in	in	ADP
easat-7236	10	31	identifying	identify	VERB
easat-7236	10	32	new	new	ADJ
easat-7236	10	33	research	research	NOUN
easat-7236	10	34	avenues	avenue	NOUN
easat-7236	10	35	within	within	ADP
easat-7236	10	36	financial	financial	ADJ
easat-7236	10	37	literacy	literacy	NOUN
easat-7236	10	38	and	and	CCONJ
easat-7236	10	39	fintech	fintech	NOUN
easat-7236	10	40	.	.	PUNCT
easat-7236	11	1	the	the	DET
easat-7236	11	2	study	study	NOUN
easat-7236	11	3	concludes	conclude	VERB
easat-7236	11	4	that	that	SCONJ
easat-7236	11	5	emerging	emerge	VERB
easat-7236	11	6	economies	economy	NOUN
easat-7236	11	7	significantly	significantly	ADV
easat-7236	11	8	contribute	contribute	VERB
easat-7236	11	9	to	to	ADP
easat-7236	11	10	this	this	DET
easat-7236	11	11	field	field	NOUN
easat-7236	11	12	,	,	PUNCT
easat-7236	11	13	evidenced	evidence	VERB
easat-7236	11	14	by	by	ADP
easat-7236	11	15	developing	develop	VERB
easat-7236	11	16	countries	country	NOUN
easat-7236	11	17	—	—	PUNCT
easat-7236	11	18	especially	especially	ADV
easat-7236	11	19	china	china	PROPN
easat-7236	11	20	,	,	PUNCT
easat-7236	11	21	india	india	PROPN
easat-7236	11	22	,	,	PUNCT
easat-7236	11	23	and	and	CCONJ
easat-7236	11	24	indonesia	indonesia	PROPN
easat-7236	11	25	—	—	PUNCT
easat-7236	11	26	leading	lead	VERB
easat-7236	11	27	in	in	ADP
easat-7236	11	28	publication	publication	NOUN
easat-7236	11	29	volume	volume	NOUN
easat-7236	11	30	,	,	PUNCT
easat-7236	11	31	while	while	SCONJ
easat-7236	11	32	nigeria	nigeria	PROPN
easat-7236	11	33	,	,	PUNCT
easat-7236	11	34	germany	germany	PROPN
easat-7236	11	35	,	,	PUNCT
easat-7236	11	36	and	and	CCONJ
easat-7236	11	37	lebanon	lebanon	PROPN
easat-7236	11	38	have	have	VERB
easat-7236	11	39	the	the	DET
easat-7236	11	40	highest	high	ADJ
easat-7236	11	41	citation	citation	NOUN
easat-7236	11	42	impact	impact	NOUN
easat-7236	11	43	.	.	PUNCT
easat-7236	12	1	international	international	ADJ
easat-7236	12	2	collaboration	collaboration	NOUN
easat-7236	12	3	analysis	analysis	NOUN
easat-7236	12	4	reveals	reveal	VERB
easat-7236	12	5	that	that	SCONJ
easat-7236	12	6	developed	develop	VERB
easat-7236	12	7	countries	country	NOUN
easat-7236	12	8	typically	typically	ADV
easat-7236	12	9	cooperate	cooperate	VERB
easat-7236	12	10	more	more	ADV
easat-7236	12	11	,	,	PUNCT
easat-7236	12	12	with	with	ADP
easat-7236	12	13	china	china	PROPN
easat-7236	12	14	and	and	CCONJ
easat-7236	12	15	indonesia	indonesia	PROPN
easat-7236	12	16	exhibiting	exhibit	VERB
easat-7236	12	17	the	the	DET
easat-7236	12	18	most	most	ADV
easat-7236	12	19	robust	robust	ADJ
easat-7236	12	20	collaboration	collaboration	NOUN
easat-7236	12	21	networks	network	NOUN
easat-7236	12	22	.	.	PUNCT
easat-7236	13	1	keywords	keyword	NOUN
easat-7236	13	2	:	:	PUNCT
easat-7236	13	3	bibliometrix	bibliometrix	NOUN
easat-7236	13	4	,	,	PUNCT
easat-7236	13	5	financial	financial	ADJ
easat-7236	13	6	knowledge	knowledge	NOUN
easat-7236	13	7	,	,	PUNCT
easat-7236	13	8	financial	financial	ADJ
easat-7236	13	9	literacy	literacy	NOUN
easat-7236	13	10	,	,	PUNCT
easat-7236	13	11	fintech	fintech	NOUN
easat-7236	13	12	,	,	PUNCT
easat-7236	13	13	bibliometric	bibliometric	ADJ
easat-7236	13	14	analysis	analysis	NOUN
easat-7236	13	15	,	,	PUNCT
easat-7236	13	16	systematic	systematic	ADJ
easat-7236	13	17	review	review	NOUN
easat-7236	13	18	.	.	PUNCT
easat-7236	14	1	1	1	X
easat-7236	14	2	.	.	X
easat-7236	14	3	introduction	introduction	NOUN
easat-7236	14	4	“	"	PUNCT
easat-7236	14	5	possessing	possess	VERB
easat-7236	14	6	the	the	DET
easat-7236	14	7	skills	skill	NOUN
easat-7236	14	8	and	and	CCONJ
easat-7236	14	9	knowledge	knowledge	NOUN
easat-7236	14	10	on	on	ADP
easat-7236	14	11	financial	financial	ADJ
easat-7236	14	12	matters	matter	NOUN
easat-7236	14	13	to	to	PART
easat-7236	14	14	confidently	confidently	ADV
easat-7236	14	15	take	take	VERB
easat-7236	14	16	effective	effective	ADJ
easat-7236	14	17	action	action	NOUN
easat-7236	14	18	that	that	PRON
easat-7236	14	19	best	well	ADV
easat-7236	14	20	fulfils	fulfil	VERB
easat-7236	14	21	an	an	DET
easat-7236	14	22	individual	individual	NOUN
easat-7236	14	23	’s	’s	PART
easat-7236	14	24	personal	personal	ADJ
easat-7236	14	25	,	,	PUNCT
easat-7236	14	26	family	family	NOUN
easat-7236	14	27	,	,	PUNCT
easat-7236	14	28	and	and	CCONJ
easat-7236	14	29	global	global	ADJ
easat-7236	14	30	community	community	NOUN
easat-7236	14	31	goals	goal	NOUN
easat-7236	14	32	”	"	PUNCT
easat-7236	14	33	.	.	PUNCT
easat-7236	15	1	–	–	PUNCT
easat-7236	15	2	the	the	DET
easat-7236	15	3	national	national	ADJ
easat-7236	15	4	financial	financial	PROPN
easat-7236	15	5	educators	educators	PROPN
easat-7236	15	6	council	council	PROPN
easat-7236	15	7	.	.	PUNCT
easat-7236	16	1	greater	great	ADJ
easat-7236	16	2	financial	financial	ADJ
easat-7236	16	3	literacy	literacy	NOUN
easat-7236	16	4	,	,	PUNCT
easat-7236	16	5	research	research	NOUN
easat-7236	16	6	suggests	suggest	VERB
easat-7236	16	7	,	,	PUNCT
easat-7236	16	8	results	result	NOUN
easat-7236	16	9	in	in	ADP
easat-7236	16	10	better	well	ADJ
easat-7236	16	11	financial	financial	ADJ
easat-7236	16	12	decisions	decision	NOUN
easat-7236	16	13	.	.	PUNCT
easat-7236	17	1	this	this	PRON
easat-7236	17	2	is	be	AUX
easat-7236	17	3	essential	essential	ADJ
easat-7236	17	4	for	for	ADP
easat-7236	17	5	successfully	successfully	ADV
easat-7236	17	6	implementing	implement	VERB
easat-7236	17	7	fintech	fintech	NOUN
easat-7236	17	8	solutions	solution	NOUN
easat-7236	17	9	,	,	PUNCT
easat-7236	17	10	improving	improve	VERB
easat-7236	17	11	financial	financial	ADJ
easat-7236	17	12	management	management	NOUN
easat-7236	17	13	,	,	PUNCT
easat-7236	17	14	and	and	CCONJ
easat-7236	17	15	leveraging	leverage	VERB
easat-7236	17	16	the	the	DET
easat-7236	17	17	advantages	advantage	NOUN
easat-7236	17	18	of	of	ADP
easat-7236	17	19	digital	digital	ADJ
easat-7236	17	20	financial	financial	ADJ
easat-7236	17	21	tools	tool	NOUN
easat-7236	17	22	.	.	PUNCT
easat-7236	18	1	the	the	DET
easat-7236	18	2	financial	financial	ADJ
easat-7236	18	3	services	service	NOUN
easat-7236	18	4	sector	sector	NOUN
easat-7236	18	5	is	be	AUX
easat-7236	18	6	undergoing	undergo	VERB
easat-7236	18	7	unprecedented	unprecedented	ADJ
easat-7236	18	8	change	change	NOUN
easat-7236	18	9	driven	drive	VERB
easat-7236	18	10	by	by	ADP
easat-7236	18	11	fintech	fintech	NOUN
easat-7236	18	12	[	[	X
easat-7236	18	13	1	1	NUM
easat-7236	18	14	]	]	PUNCT
easat-7236	18	15	with	with	ADP
easat-7236	18	16	advancements	advancement	NOUN
easat-7236	18	17	like	like	ADP
easat-7236	18	18	mobile	mobile	ADJ
easat-7236	18	19	payment	payment	NOUN
easat-7236	18	20	systems	system	NOUN
easat-7236	18	21	,	,	PUNCT
easat-7236	18	22	automated	automate	VERB
easat-7236	18	23	investment	investment	NOUN
easat-7236	18	24	advice	advice	NOUN
easat-7236	18	25	,	,	PUNCT
easat-7236	18	26	app	app	NOUN
easat-7236	18	27	-	-	PUNCT
easat-7236	18	28	based	base	VERB
easat-7236	18	29	investing	investing	NOUN
easat-7236	18	30	,	,	PUNCT
easat-7236	18	31	and	and	CCONJ
easat-7236	18	32	internet	internet	NOUN
easat-7236	18	33	banking	banking	NOUN
easat-7236	18	34	affecting	affect	VERB
easat-7236	18	35	financial	financial	ADJ
easat-7236	18	36	planning	planning	NOUN
easat-7236	18	37	,	,	PUNCT
easat-7236	18	38	well	well	ADV
easat-7236	18	39	-	-	PUNCT
easat-7236	18	40	being	being	NOUN
easat-7236	18	41	,	,	PUNCT
easat-7236	18	42	and	and	CCONJ
easat-7236	18	43	economic	economic	ADJ
easat-7236	18	44	disparities	disparity	NOUN
easat-7236	18	45	[	[	X
easat-7236	18	46	2	2	NUM
easat-7236	18	47	]	]	PUNCT
easat-7236	18	48	.	.	PUNCT
easat-7236	19	1	1.1	1.1	NUM
easat-7236	19	2	.	.	PUNCT
easat-7236	20	1	financial	financial	ADJ
easat-7236	20	2	literacy	literacy	NOUN
easat-7236	20	3	the	the	DET
easat-7236	20	4	fundamental	fundamental	ADJ
easat-7236	20	5	right	right	NOUN
easat-7236	20	6	of	of	ADP
easat-7236	20	7	consumers	consumer	NOUN
easat-7236	20	8	to	to	PART
easat-7236	20	9	understand	understand	VERB
easat-7236	20	10	goods	good	NOUN
easat-7236	20	11	and	and	CCONJ
easat-7236	20	12	services	service	NOUN
easat-7236	20	13	before	before	ADP
easat-7236	20	14	committing	commit	VERB
easat-7236	20	15	to	to	ADP
easat-7236	20	16	a	a	DET
easat-7236	20	17	purchase	purchase	NOUN
easat-7236	20	18	is	be	AUX
easat-7236	20	19	at	at	ADP
easat-7236	20	20	the	the	DET
easat-7236	20	21	core	core	NOUN
easat-7236	20	22	of	of	ADP
easat-7236	20	23	financial	financial	ADJ
easat-7236	20	24	literacy	literacy	NOUN
easat-7236	20	25	,	,	PUNCT
easat-7236	20	26	according	accord	VERB
easat-7236	20	27	to	to	ADP
easat-7236	20	28	dictionary	dictionary	ADJ
easat-7236	20	29	definitions	definition	NOUN
easat-7236	20	30	.	.	PUNCT
easat-7236	21	1	encompassing	encompass	VERB
easat-7236	21	2	product	product	NOUN
easat-7236	21	3	information	information	NOUN
easat-7236	21	4	,	,	PUNCT
easat-7236	21	5	practical	practical	ADJ
easat-7236	21	6	guidance	guidance	NOUN
easat-7236	21	7	,	,	PUNCT
easat-7236	21	8	and	and	CCONJ
easat-7236	21	9	essential	essential	ADJ
easat-7236	21	10	knowledge	knowledge	NOUN
easat-7236	21	11	,	,	PUNCT
easat-7236	21	12	skills	skill	NOUN
easat-7236	21	13	,	,	PUNCT
easat-7236	21	14	and	and	CCONJ
easat-7236	21	15	attitudes	attitude	NOUN
easat-7236	21	16	[	[	X
easat-7236	21	17	3	3	NUM
easat-7236	21	18	]	]	X
easat-7236	21	19	financial	financial	ADJ
easat-7236	21	20	literacy	literacy	NOUN
easat-7236	21	21	is	be	AUX
easat-7236	21	22	a	a	DET
easat-7236	21	23	strong	strong	ADJ
easat-7236	21	24	determinant	determinant	NOUN
easat-7236	21	25	of	of	ADP
easat-7236	21	26	financial	financial	ADJ
easat-7236	21	27	well	well	NOUN
easat-7236	21	28	-	-	PUNCT
easat-7236	21	29	being	being	NOUN
easat-7236	21	30	.	.	PUNCT
easat-7236	22	1	the	the	DET
easat-7236	22	2	ability	ability	NOUN
easat-7236	22	3	to	to	PART
easat-7236	22	4	make	make	VERB
easat-7236	22	5	informed	informed	ADJ
easat-7236	22	6	decisions	decision	NOUN
easat-7236	22	7	is	be	AUX
easat-7236	22	8	therefore	therefore	ADV
easat-7236	22	9	vital	vital	ADJ
easat-7236	22	10	for	for	ADP
easat-7236	22	11	sound	sound	ADJ
easat-7236	22	12	financial	financial	ADJ
easat-7236	22	13	choices	choice	NOUN
easat-7236	22	14	[	[	X
easat-7236	22	15	4	4	NUM
easat-7236	22	16	]	]	PUNCT
easat-7236	22	17	and	and	CCONJ
easat-7236	22	18	differences	difference	NOUN
easat-7236	22	19	in	in	ADP
easat-7236	22	20	financial	financial	ADJ
easat-7236	22	21	literacy	literacy	NOUN
easat-7236	22	22	early	early	ADV
easat-7236	22	23	in	in	ADP
easat-7236	22	24	life	life	NOUN
easat-7236	22	25	are	be	AUX
easat-7236	22	26	a	a	DET
easat-7236	22	27	major	major	ADJ
easat-7236	22	28	factor	factor	NOUN
easat-7236	22	29	in	in	ADP
easat-7236	22	30	explaining	explain	VERB
easat-7236	22	31	disparities	disparity	NOUN
easat-7236	22	32	in	in	ADP
easat-7236	22	33	retirement	retirement	NOUN
easat-7236	22	34	wealth	wealth	NOUN
easat-7236	23	1	[	[	X
easat-7236	23	2	4	4	NUM
easat-7236	23	3	]	]	PUNCT
easat-7236	23	4	.	.	PUNCT
easat-7236	24	1	moreover	moreover	ADV
easat-7236	24	2	,	,	PUNCT
easat-7236	24	3	financial	financial	ADJ
easat-7236	24	4	education	education	NOUN
easat-7236	24	5	or	or	CCONJ
easat-7236	24	6	literacy	literacy	NOUN
easat-7236	24	7	is	be	AUX
easat-7236	24	8	seen	see	VERB
easat-7236	24	9	by	by	ADP
easat-7236	24	10	some	some	PRON
easat-7236	24	11	as	as	ADP
easat-7236	24	12	a	a	DET
easat-7236	24	13	key	key	ADJ
easat-7236	24	14	enabler	enabler	NOUN
easat-7236	24	15	of	of	ADP
easat-7236	24	16	financial	financial	ADJ
easat-7236	24	17	inclusion	inclusion	NOUN
easat-7236	24	18	ozili	ozili	NOUN
easat-7236	25	1	[	[	X
easat-7236	25	2	5	5	NUM
easat-7236	25	3	]	]	PUNCT
easat-7236	25	4	empowering	empower	VERB
easat-7236	25	5	individuals	individual	NOUN
easat-7236	25	6	to	to	PART
easat-7236	25	7	make	make	VERB
easat-7236	25	8	educated	educated	ADJ
easat-7236	25	9	judgments	judgment	NOUN
easat-7236	25	10	about	about	ADP
easat-7236	25	11	saving	saving	NOUN
easat-7236	25	12	,	,	PUNCT
easat-7236	25	13	borrowing	borrowing	NOUN
easat-7236	25	14	,	,	PUNCT
easat-7236	25	15	and	and	CCONJ
easat-7236	25	16	managing	manage	VERB
easat-7236	25	17	their	their	PRON
easat-7236	25	18	finances	finance	NOUN
easat-7236	25	19	[	[	X
easat-7236	25	20	6	6	NUM
easat-7236	25	21	]	]	PUNCT
easat-7236	25	22	.	.	PUNCT
easat-7236	26	1	https://orcid.org/0000-0001-9458-5406	https://orcid.org/0000-0001-9458-5406	PROPN
easat-7236	26	2	https://orcid.org/0000-0002-6011-9551	https://orcid.org/0000-0002-6011-9551	PROPN
easat-7236	26	3	1594	1594	NUM
easat-7236	26	4	edelweiss	edelweiss	PROPN
easat-7236	26	5	applied	apply	VERB
easat-7236	26	6	science	science	NOUN
easat-7236	26	7	and	and	CCONJ
easat-7236	26	8	technology	technology	NOUN
easat-7236	26	9	issn	issn	PROPN
easat-7236	26	10	:	:	PUNCT
easat-7236	26	11	2576	2576	NUM
easat-7236	26	12	-	-	SYM
easat-7236	26	13	8484	8484	NUM
easat-7236	26	14	vol	vol	NOUN
easat-7236	26	15	.	.	PROPN
easat-7236	27	1	9	9	NUM
easat-7236	27	2	,	,	PUNCT
easat-7236	27	3	no	no	INTJ
easat-7236	27	4	.	.	NOUN
easat-7236	27	5	5	5	NUM
easat-7236	27	6	:	:	SYM
easat-7236	27	7	1593	1593	NUM
easat-7236	27	8	-	-	SYM
easat-7236	27	9	1609	1609	NUM
easat-7236	27	10	,	,	PUNCT
easat-7236	27	11	2025	2025	NUM
easat-7236	27	12	doi	doi	NOUN
easat-7236	27	13	:	:	PUNCT
easat-7236	27	14	10.55214/25768484.v9i5.7236	10.55214/25768484.v9i5.7236	NUM
easat-7236	27	15	©	©	PROPN
easat-7236	27	16	2025	2025	NUM
easat-7236	27	17	by	by	ADP
easat-7236	27	18	the	the	DET
easat-7236	27	19	authors	author	NOUN
easat-7236	27	20	;	;	PUNCT
easat-7236	27	21	licensee	licensee	PROPN
easat-7236	27	22	learning	learning	NOUN
easat-7236	27	23	gate	gate	NOUN
easat-7236	27	24	although	although	SCONJ
easat-7236	27	25	essential	essential	ADJ
easat-7236	27	26	for	for	ADP
easat-7236	27	27	money	money	NOUN
easat-7236	27	28	management	management	NOUN
easat-7236	27	29	,	,	PUNCT
easat-7236	27	30	financial	financial	ADJ
easat-7236	27	31	literacy	literacy	NOUN
easat-7236	27	32	on	on	ADP
easat-7236	27	33	its	its	PRON
easat-7236	27	34	own	own	ADJ
easat-7236	27	35	is	be	AUX
easat-7236	27	36	inadequate	inadequate	ADJ
easat-7236	27	37	for	for	ADP
easat-7236	27	38	the	the	DET
easat-7236	27	39	successful	successful	ADJ
easat-7236	27	40	implementation	implementation	NOUN
easat-7236	27	41	of	of	ADP
easat-7236	27	42	fintech	fintech	NOUN
easat-7236	27	43	solutions	solution	NOUN
easat-7236	27	44	.	.	PUNCT
easat-7236	28	1	addressing	address	VERB
easat-7236	28	2	the	the	DET
easat-7236	28	3	structural	structural	ADJ
easat-7236	28	4	barriers	barrier	NOUN
easat-7236	28	5	that	that	PRON
easat-7236	28	6	prevent	prevent	VERB
easat-7236	28	7	people	people	NOUN
easat-7236	28	8	from	from	ADP
easat-7236	28	9	using	use	VERB
easat-7236	28	10	financial	financial	ADJ
easat-7236	28	11	technology	technology	NOUN
easat-7236	28	12	requires	require	VERB
easat-7236	28	13	more	more	ADJ
easat-7236	28	14	than	than	ADP
easat-7236	28	15	just	just	ADV
easat-7236	28	16	knowing	know	VERB
easat-7236	28	17	how	how	SCONJ
easat-7236	28	18	to	to	PART
easat-7236	28	19	spend	spend	VERB
easat-7236	28	20	and	and	CCONJ
easat-7236	28	21	handle	handle	VERB
easat-7236	28	22	money	money	NOUN
easat-7236	28	23	.	.	PUNCT
easat-7236	29	1	conversely	conversely	ADV
easat-7236	29	2	,	,	PUNCT
easat-7236	29	3	if	if	SCONJ
easat-7236	29	4	a	a	DET
easat-7236	29	5	lack	lack	NOUN
easat-7236	29	6	of	of	ADP
easat-7236	29	7	awareness	awareness	NOUN
easat-7236	29	8	about	about	ADP
easat-7236	29	9	these	these	DET
easat-7236	29	10	digital	digital	ADJ
easat-7236	29	11	services	service	NOUN
easat-7236	29	12	is	be	AUX
easat-7236	29	13	the	the	DET
easat-7236	29	14	primary	primary	ADJ
easat-7236	29	15	challenge	challenge	NOUN
easat-7236	29	16	,	,	PUNCT
easat-7236	29	17	then	then	ADV
easat-7236	29	18	improving	improve	VERB
easat-7236	29	19	financial	financial	ADJ
easat-7236	29	20	literacy	literacy	NOUN
easat-7236	29	21	can	can	AUX
easat-7236	29	22	certainly	certainly	ADV
easat-7236	29	23	enhance	enhance	VERB
easat-7236	29	24	fintech	fintech	NOUN
easat-7236	29	25	integration	integration	NOUN
easat-7236	29	26	and	and	CCONJ
easat-7236	29	27	use	use	NOUN
easat-7236	29	28	.	.	PUNCT
easat-7236	30	1	for	for	ADP
easat-7236	30	2	nations	nation	NOUN
easat-7236	30	3	facing	face	VERB
easat-7236	30	4	persistent	persistent	ADJ
easat-7236	30	5	challenges	challenge	NOUN
easat-7236	30	6	,	,	PUNCT
easat-7236	30	7	future	future	ADJ
easat-7236	30	8	research	research	NOUN
easat-7236	30	9	should	should	AUX
easat-7236	30	10	focus	focus	VERB
easat-7236	30	11	on	on	ADP
easat-7236	30	12	developing	develop	VERB
easat-7236	30	13	original	original	ADJ
easat-7236	30	14	concepts	concept	NOUN
easat-7236	30	15	,	,	PUNCT
easat-7236	30	16	strategies	strategy	NOUN
easat-7236	30	17	,	,	PUNCT
easat-7236	30	18	and	and	CCONJ
easat-7236	30	19	initiatives	initiative	NOUN
easat-7236	30	20	that	that	PRON
easat-7236	30	21	synergistically	synergistically	ADV
easat-7236	30	22	boost	boost	VERB
easat-7236	30	23	both	both	PRON
easat-7236	30	24	fintech	fintech	NOUN
easat-7236	30	25	adoption	adoption	NOUN
easat-7236	30	26	and	and	CCONJ
easat-7236	30	27	financial	financial	ADJ
easat-7236	30	28	literacy	literacy	NOUN
easat-7236	30	29	.	.	PUNCT
easat-7236	31	1	given	give	VERB
easat-7236	31	2	the	the	DET
easat-7236	31	3	current	current	ADJ
easat-7236	31	4	and	and	CCONJ
easat-7236	31	5	unexpectedly	unexpectedly	ADV
easat-7236	31	6	complex	complex	ADJ
easat-7236	31	7	situations	situation	NOUN
easat-7236	31	8	,	,	PUNCT
easat-7236	31	9	financial	financial	ADJ
easat-7236	31	10	education	education	NOUN
easat-7236	31	11	–	–	PUNCT
easat-7236	31	12	which	which	PRON
easat-7236	31	13	equips	equip	VERB
easat-7236	31	14	individuals	individual	NOUN
easat-7236	31	15	with	with	ADP
easat-7236	31	16	necessary	necessary	ADJ
easat-7236	31	17	financial	financial	ADJ
easat-7236	31	18	knowledge	knowledge	NOUN
easat-7236	31	19	and	and	CCONJ
easat-7236	31	20	supports	support	VERB
easat-7236	31	21	good	good	ADJ
easat-7236	31	22	financial	financial	ADJ
easat-7236	31	23	behaviour	behaviour	NOUN
easat-7236	31	24	–	–	PUNCT
easat-7236	31	25	is	be	AUX
easat-7236	31	26	of	of	ADP
easat-7236	31	27	paramount	paramount	ADJ
easat-7236	31	28	importance	importance	NOUN
easat-7236	31	29	.	.	PUNCT
easat-7236	32	1	in	in	ADP
easat-7236	32	2	their	their	PRON
easat-7236	32	3	paper	paper	NOUN
easat-7236	32	4	[	[	X
easat-7236	32	5	7	7	NUM
easat-7236	32	6	]	]	PUNCT
easat-7236	32	7	.	.	PUNCT
easat-7236	33	1	tim	tim	PROPN
easat-7236	33	2	kaiser	kaiser	PROPN
easat-7236	33	3	and	and	CCONJ
easat-7236	33	4	annamaria	annamaria	PROPN
easat-7236	33	5	lusardi	lusardi	PROPN
easat-7236	33	6	provide	provide	VERB
easat-7236	33	7	a	a	DET
easat-7236	33	8	concise	concise	ADJ
easat-7236	33	9	narrative	narrative	NOUN
easat-7236	33	10	overview	overview	NOUN
easat-7236	33	11	of	of	ADP
easat-7236	33	12	the	the	DET
easat-7236	33	13	rapidly	rapidly	ADV
easat-7236	33	14	growing	grow	VERB
easat-7236	33	15	empirical	empirical	ADJ
easat-7236	33	16	literature	literature	NOUN
easat-7236	33	17	on	on	ADP
easat-7236	33	18	financial	financial	ADJ
easat-7236	33	19	literacy	literacy	NOUN
easat-7236	33	20	and	and	CCONJ
easat-7236	33	21	financial	financial	ADJ
easat-7236	33	22	education	education	NOUN
easat-7236	33	23	.	.	PUNCT
easat-7236	34	1	the	the	DET
easat-7236	34	2	authors	author	NOUN
easat-7236	34	3	clearly	clearly	ADV
easat-7236	34	4	show	show	VERB
easat-7236	34	5	how	how	SCONJ
easat-7236	34	6	financial	financial	ADJ
easat-7236	34	7	literacy	literacy	NOUN
easat-7236	34	8	is	be	AUX
easat-7236	34	9	measured	measure	VERB
easat-7236	34	10	and	and	CCONJ
easat-7236	34	11	discuss	discuss	VERB
easat-7236	34	12	its	its	PRON
easat-7236	34	13	demographic	demographic	ADJ
easat-7236	34	14	correlations	correlation	NOUN
easat-7236	34	15	.	.	PUNCT
easat-7236	35	1	they	they	PRON
easat-7236	35	2	briefly	briefly	ADV
easat-7236	35	3	summarize	summarize	VERB
easat-7236	35	4	findings	finding	NOUN
easat-7236	35	5	from	from	ADP
easat-7236	35	6	papers	paper	NOUN
easat-7236	35	7	demonstrating	demonstrate	VERB
easat-7236	35	8	the	the	DET
easat-7236	35	9	effects	effect	NOUN
easat-7236	35	10	of	of	ADP
easat-7236	35	11	financial	financial	ADJ
easat-7236	35	12	literacy	literacy	NOUN
easat-7236	35	13	on	on	ADP
easat-7236	35	14	financial	financial	ADJ
easat-7236	35	15	behavior	behavior	NOUN
easat-7236	35	16	outcomes	outcome	NOUN
easat-7236	35	17	,	,	PUNCT
easat-7236	35	18	noting	note	VERB
easat-7236	35	19	that	that	SCONJ
easat-7236	35	20	results	result	NOUN
easat-7236	35	21	indicate	indicate	VERB
easat-7236	35	22	a	a	DET
easat-7236	35	23	significant	significant	ADJ
easat-7236	35	24	positive	positive	ADJ
easat-7236	35	25	impact	impact	NOUN
easat-7236	35	26	.	.	PUNCT
easat-7236	36	1	furthermore	furthermore	ADV
easat-7236	36	2	,	,	PUNCT
easat-7236	36	3	kaiser	kaiser	PROPN
easat-7236	36	4	and	and	CCONJ
easat-7236	36	5	lusardi	lusardi	PROPN
easat-7236	36	6	assess	assess	NOUN
easat-7236	36	7	papers	paper	NOUN
easat-7236	36	8	examining	examine	VERB
easat-7236	36	9	the	the	DET
easat-7236	36	10	causal	causal	ADJ
easat-7236	36	11	effects	effect	NOUN
easat-7236	36	12	of	of	ADP
easat-7236	36	13	financial	financial	ADJ
easat-7236	36	14	education	education	NOUN
easat-7236	36	15	programs	program	NOUN
easat-7236	36	16	.	.	PUNCT
easat-7236	37	1	they	they	PRON
easat-7236	37	2	conclude	conclude	VERB
easat-7236	37	3	that	that	SCONJ
easat-7236	37	4	financial	financial	ADJ
easat-7236	37	5	education	education	NOUN
easat-7236	37	6	has	have	VERB
easat-7236	37	7	a	a	DET
easat-7236	37	8	causal	causal	ADJ
easat-7236	37	9	effect	effect	NOUN
easat-7236	37	10	on	on	ADP
easat-7236	37	11	financial	financial	ADJ
easat-7236	37	12	literacy	literacy	NOUN
easat-7236	37	13	.	.	PUNCT
easat-7236	38	1	on	on	ADP
easat-7236	38	2	average	average	ADJ
easat-7236	38	3	,	,	PUNCT
easat-7236	38	4	such	such	ADJ
easat-7236	38	5	interventions	intervention	NOUN
easat-7236	38	6	boost	boost	VERB
easat-7236	38	7	financial	financial	ADJ
easat-7236	38	8	knowledge	knowledge	NOUN
easat-7236	38	9	by	by	ADP
easat-7236	38	10	10	10	NUM
easat-7236	38	11	to	to	PART
easat-7236	38	12	20	20	NUM
easat-7236	38	13	%	%	NOUN
easat-7236	38	14	,	,	PUNCT
easat-7236	38	15	and	and	CCONJ
easat-7236	38	16	this	this	PRON
easat-7236	38	17	can	can	AUX
easat-7236	38	18	lead	lead	VERB
easat-7236	38	19	to	to	ADP
easat-7236	38	20	changes	change	NOUN
easat-7236	38	21	in	in	ADP
easat-7236	38	22	financial	financial	ADJ
easat-7236	38	23	behavior	behavior	NOUN
easat-7236	38	24	.	.	PUNCT
easat-7236	39	1	a	a	DET
easat-7236	39	2	similar	similar	ADJ
easat-7236	39	3	study	study	NOUN
easat-7236	39	4	,	,	PUNCT
easat-7236	39	5	nogueira	nogueira	PROPN
easat-7236	39	6	,	,	PUNCT
easat-7236	39	7	et	et	PROPN
easat-7236	39	8	al	al	PROPN
easat-7236	39	9	.	.	PUNCT
easat-7236	40	1	[	[	X
easat-7236	40	2	8	8	NUM
easat-7236	40	3	]	]	PUNCT
easat-7236	40	4	by	by	ADP
easat-7236	40	5	manuel	manuel	PROPN
easat-7236	40	6	et	et	PROPN
easat-7236	40	7	al	al	PROPN
easat-7236	40	8	.	.	PROPN
easat-7236	40	9	,	,	PUNCT
easat-7236	40	10	found	find	VERB
easat-7236	40	11	that	that	SCONJ
easat-7236	40	12	higher	high	ADJ
easat-7236	40	13	education	education	NOUN
easat-7236	40	14	is	be	AUX
easat-7236	40	15	positively	positively	ADV
easat-7236	40	16	and	and	CCONJ
easat-7236	40	17	significantly	significantly	ADV
easat-7236	40	18	associated	associate	VERB
easat-7236	40	19	with	with	ADP
easat-7236	40	20	financial	financial	ADJ
easat-7236	40	21	knowledge	knowledge	NOUN
easat-7236	40	22	and	and	CCONJ
easat-7236	40	23	financial	financial	ADJ
easat-7236	40	24	behaviour	behaviour	NOUN
easat-7236	40	25	.	.	PUNCT
easat-7236	41	1	additionally	additionally	ADV
easat-7236	41	2	,	,	PUNCT
easat-7236	41	3	unequal	unequal	ADJ
easat-7236	41	4	access	access	NOUN
easat-7236	41	5	to	to	ADP
easat-7236	41	6	health	health	NOUN
easat-7236	41	7	and	and	CCONJ
easat-7236	41	8	education	education	NOUN
easat-7236	41	9	,	,	PUNCT
easat-7236	41	10	as	as	ADV
easat-7236	41	11	well	well	ADV
easat-7236	41	12	as	as	ADP
easat-7236	41	13	high	high	ADJ
easat-7236	41	14	debt	debt	NOUN
easat-7236	41	15	levels	level	NOUN
easat-7236	41	16	,	,	PUNCT
easat-7236	41	17	were	be	AUX
easat-7236	41	18	negatively	negatively	ADV
easat-7236	41	19	associated	associate	VERB
easat-7236	41	20	with	with	ADP
easat-7236	41	21	financial	financial	ADJ
easat-7236	41	22	literacy	literacy	NOUN
easat-7236	41	23	.	.	PUNCT
easat-7236	42	1	furthermore	furthermore	ADV
easat-7236	42	2	,	,	PUNCT
easat-7236	42	3	financial	financial	ADJ
easat-7236	42	4	literacy	literacy	NOUN
easat-7236	42	5	helps	helps	AUX
easat-7236	42	6	maintain	maintain	VERB
easat-7236	42	7	sound	sound	ADJ
easat-7236	42	8	saving	save	VERB
easat-7236	42	9	behaviour	behaviour	NOUN
easat-7236	42	10	.	.	PUNCT
easat-7236	43	1	the	the	DET
easat-7236	43	2	paper	paper	NOUN
easat-7236	43	3	ananda	ananda	PROPN
easat-7236	43	4	,	,	PUNCT
easat-7236	43	5	et	et	PROPN
easat-7236	43	6	al	al	PROPN
easat-7236	43	7	.	.	PUNCT
easat-7236	44	1	[	[	X
easat-7236	44	2	9	9	NUM
easat-7236	44	3	]	]	PUNCT
easat-7236	44	4	reveals	reveal	VERB
easat-7236	44	5	several	several	ADJ
easat-7236	44	6	key	key	ADJ
easat-7236	44	7	findings	finding	NOUN
easat-7236	44	8	.	.	PUNCT
easat-7236	45	1	first	first	ADV
easat-7236	45	2	,	,	PUNCT
easat-7236	45	3	it	it	PRON
easat-7236	45	4	demonstrates	demonstrate	VERB
easat-7236	45	5	a	a	DET
easat-7236	45	6	significant	significant	ADJ
easat-7236	45	7	positive	positive	ADJ
easat-7236	45	8	relationship	relationship	NOUN
easat-7236	45	9	between	between	ADP
easat-7236	45	10	financial	financial	ADJ
easat-7236	45	11	literacy	literacy	NOUN
easat-7236	45	12	and	and	CCONJ
easat-7236	45	13	saving	save	VERB
easat-7236	45	14	behaviour	behaviour	NOUN
easat-7236	45	15	.	.	PUNCT
easat-7236	46	1	second	second	ADJ
easat-7236	46	2	,	,	PUNCT
easat-7236	46	3	it	it	PRON
easat-7236	46	4	shows	show	VERB
easat-7236	46	5	that	that	SCONJ
easat-7236	46	6	risk	risk	NOUN
easat-7236	46	7	aversion	aversion	NOUN
easat-7236	46	8	significantly	significantly	ADV
easat-7236	46	9	moderates	moderate	VERB
easat-7236	46	10	this	this	DET
easat-7236	46	11	relationship	relationship	NOUN
easat-7236	46	12	.	.	PUNCT
easat-7236	47	1	finally	finally	ADV
easat-7236	47	2	,	,	PUNCT
easat-7236	47	3	the	the	DET
easat-7236	47	4	paper	paper	NOUN
easat-7236	47	5	indicates	indicate	VERB
easat-7236	47	6	that	that	SCONJ
easat-7236	47	7	the	the	DET
easat-7236	47	8	three	three	NUM
easat-7236	47	9	-	-	PUNCT
easat-7236	47	10	way	way	NOUN
easat-7236	47	11	interaction	interaction	NOUN
easat-7236	47	12	among	among	ADP
easat-7236	47	13	financial	financial	ADJ
easat-7236	47	14	literacy	literacy	NOUN
easat-7236	47	15	,	,	PUNCT
easat-7236	47	16	risk	risk	NOUN
easat-7236	47	17	aversion	aversion	NOUN
easat-7236	47	18	,	,	PUNCT
easat-7236	47	19	and	and	CCONJ
easat-7236	47	20	financial	financial	ADJ
easat-7236	47	21	confidence	confidence	NOUN
easat-7236	47	22	significantly	significantly	ADV
easat-7236	47	23	impacts	impact	VERB
easat-7236	47	24	investors	investor	NOUN
easat-7236	47	25	'	'	PART
easat-7236	47	26	saving	save	VERB
easat-7236	47	27	behaviour	behaviour	NOUN
easat-7236	47	28	.	.	PUNCT
easat-7236	48	1	the	the	DET
easat-7236	48	2	link	link	NOUN
easat-7236	48	3	between	between	ADP
easat-7236	48	4	financial	financial	ADJ
easat-7236	48	5	literacy	literacy	NOUN
easat-7236	48	6	and	and	CCONJ
easat-7236	48	7	well	well	ADV
easat-7236	48	8	-	-	PUNCT
easat-7236	48	9	being	being	NOUN
easat-7236	48	10	is	be	AUX
easat-7236	48	11	further	far	ADV
easat-7236	48	12	supported	support	VERB
easat-7236	48	13	by	by	ADP
easat-7236	48	14	naznin	naznin	PROPN
easat-7236	48	15	et	et	PROPN
easat-7236	48	16	al	al	PROPN
easat-7236	48	17	.	.	PROPN
easat-7236	48	18	's	's	PART
easat-7236	48	19	research	research	NOUN
easat-7236	48	20	in	in	ADP
easat-7236	48	21	naznin	naznin	NOUN
easat-7236	48	22	,	,	PUNCT
easat-7236	48	23	et	et	PROPN
easat-7236	48	24	al	al	PROPN
easat-7236	48	25	.	.	PUNCT
easat-7236	49	1	[	[	X
easat-7236	49	2	10	10	NUM
easat-7236	49	3	]	]	PUNCT
easat-7236	49	4	which	which	PRON
easat-7236	49	5	demonstrates	demonstrate	VERB
easat-7236	49	6	a	a	DET
easat-7236	49	7	strong	strong	ADJ
easat-7236	49	8	,	,	PUNCT
easat-7236	49	9	significant	significant	ADJ
easat-7236	49	10	positive	positive	ADJ
easat-7236	49	11	impact	impact	NOUN
easat-7236	49	12	of	of	ADP
easat-7236	49	13	financial	financial	ADJ
easat-7236	49	14	attitude	attitude	NOUN
easat-7236	49	15	on	on	ADP
easat-7236	49	16	financial	financial	ADJ
easat-7236	49	17	well	well	NOUN
easat-7236	49	18	-	-	PUNCT
easat-7236	49	19	being	being	NOUN
easat-7236	49	20	,	,	PUNCT
easat-7236	49	21	with	with	ADP
easat-7236	49	22	financial	financial	ADJ
easat-7236	49	23	knowledge	knowledge	NOUN
easat-7236	49	24	and	and	CCONJ
easat-7236	49	25	behaviour	behaviour	NOUN
easat-7236	49	26	playing	play	VERB
easat-7236	49	27	indirect	indirect	ADJ
easat-7236	49	28	roles	role	NOUN
easat-7236	49	29	mediated	mediate	VERB
easat-7236	49	30	by	by	ADP
easat-7236	49	31	financial	financial	ADJ
easat-7236	49	32	self	self	NOUN
easat-7236	49	33	-	-	PUNCT
easat-7236	49	34	efficacy	efficacy	NOUN
easat-7236	49	35	.	.	PUNCT
easat-7236	50	1	expanding	expand	VERB
easat-7236	50	2	on	on	ADP
easat-7236	50	3	the	the	DET
easat-7236	50	4	importance	importance	NOUN
easat-7236	50	5	of	of	ADP
easat-7236	50	6	financial	financial	ADJ
easat-7236	50	7	literacy	literacy	NOUN
easat-7236	50	8	,	,	PUNCT
easat-7236	50	9	devender	devender	NOUN
easat-7236	50	10	et	et	PROPN
easat-7236	50	11	al	al	PROPN
easat-7236	50	12	.	.	PROPN
easat-7236	50	13	's	's	PART
easat-7236	50	14	study	study	NOUN
easat-7236	50	15	,	,	PUNCT
easat-7236	50	16	devender	devender	NOUN
easat-7236	50	17	,	,	PUNCT
easat-7236	50	18	et	et	PROPN
easat-7236	50	19	al	al	PROPN
easat-7236	50	20	.	.	PUNCT
easat-7236	51	1	[	[	X
easat-7236	51	2	11	11	NUM
easat-7236	51	3	]	]	PUNCT
easat-7236	51	4	utilized	utilize	VERB
easat-7236	51	5	bibliometric	bibliometric	ADJ
easat-7236	51	6	and	and	CCONJ
easat-7236	51	7	content	content	VERB
easat-7236	51	8	analysis	analysis	NOUN
easat-7236	51	9	to	to	PART
easat-7236	51	10	conclude	conclude	VERB
easat-7236	51	11	that	that	DET
easat-7236	51	12	financial	financial	ADJ
easat-7236	51	13	literacy	literacy	NOUN
easat-7236	51	14	,	,	PUNCT
easat-7236	51	15	inclusive	inclusive	ADJ
easat-7236	51	16	education	education	NOUN
easat-7236	51	17	,	,	PUNCT
easat-7236	51	18	and	and	CCONJ
easat-7236	51	19	capability	capability	NOUN
easat-7236	51	20	are	be	AUX
easat-7236	51	21	crucial	crucial	ADJ
easat-7236	51	22	for	for	ADP
easat-7236	51	23	the	the	DET
easat-7236	51	24	financial	financial	ADJ
easat-7236	51	25	well	well	NOUN
easat-7236	51	26	-	-	PUNCT
easat-7236	51	27	being	being	NOUN
easat-7236	51	28	of	of	ADP
easat-7236	51	29	smes	sme	NOUN
easat-7236	51	30	.	.	PUNCT
easat-7236	52	1	emphasizing	emphasize	VERB
easat-7236	52	2	the	the	DET
easat-7236	52	3	importance	importance	NOUN
easat-7236	52	4	of	of	ADP
easat-7236	52	5	financial	financial	ADJ
easat-7236	52	6	literacy	literacy	NOUN
easat-7236	52	7	in	in	ADP
easat-7236	52	8	decision	decision	NOUN
easat-7236	52	9	-	-	PUNCT
easat-7236	52	10	making	making	NOUN
easat-7236	52	11	,	,	PUNCT
easat-7236	52	12	deepak	deepak	PROPN
easat-7236	52	13	et	et	PROPN
easat-7236	52	14	al	al	PROPN
easat-7236	52	15	.	.	PROPN
easat-7236	52	16	's	's	PART
easat-7236	52	17	research	research	NOUN
easat-7236	52	18	in	in	ADP
easat-7236	52	19	[	[	X
easat-7236	52	20	12	12	NUM
easat-7236	52	21	]	]	PUNCT
easat-7236	52	22	reveals	reveal	VERB
easat-7236	52	23	that	that	SCONJ
easat-7236	52	24	financial	financial	ADJ
easat-7236	52	25	resilience	resilience	NOUN
easat-7236	52	26	significantly	significantly	ADV
easat-7236	52	27	moderates	moderate	VERB
easat-7236	52	28	the	the	DET
easat-7236	52	29	effect	effect	NOUN
easat-7236	52	30	of	of	ADP
easat-7236	52	31	financial	financial	ADJ
easat-7236	52	32	literacy	literacy	NOUN
easat-7236	52	33	on	on	ADP
easat-7236	52	34	women	woman	NOUN
easat-7236	52	35	’s	’s	PART
easat-7236	52	36	intention	intention	NOUN
easat-7236	52	37	to	to	PART
easat-7236	52	38	invest	invest	VERB
easat-7236	52	39	.	.	PUNCT
easat-7236	53	1	in	in	ADP
easat-7236	53	2	a	a	DET
easat-7236	53	3	related	related	ADJ
easat-7236	53	4	vein	vein	NOUN
easat-7236	53	5	,	,	PUNCT
easat-7236	53	6	paper	paper	NOUN
easat-7236	53	7	,	,	PUNCT
easat-7236	53	8	shafiee	shafiee	NOUN
easat-7236	53	9	,	,	PUNCT
easat-7236	53	10	et	et	PROPN
easat-7236	53	11	al	al	PROPN
easat-7236	53	12	.	.	PUNCT
easat-7236	54	1	[	[	X
easat-7236	54	2	13	13	NUM
easat-7236	54	3	]	]	PUNCT
easat-7236	54	4	demonstrates	demonstrate	VERB
easat-7236	54	5	that	that	SCONJ
easat-7236	54	6	personalized	personalize	VERB
easat-7236	54	7	financial	financial	ADJ
easat-7236	54	8	tools	tool	NOUN
easat-7236	54	9	can	can	AUX
easat-7236	54	10	effectively	effectively	ADV
easat-7236	54	11	educate	educate	VERB
easat-7236	54	12	individuals	individual	NOUN
easat-7236	54	13	and	and	CCONJ
easat-7236	54	14	improve	improve	VERB
easat-7236	54	15	their	their	PRON
easat-7236	54	16	pension	pension	NOUN
easat-7236	54	17	-	-	PUNCT
easat-7236	54	18	related	relate	VERB
easat-7236	54	19	decisions	decision	NOUN
easat-7236	54	20	through	through	ADP
easat-7236	54	21	tailored	tailor	VERB
easat-7236	54	22	data	datum	NOUN
easat-7236	54	23	services	service	NOUN
easat-7236	54	24	.	.	PUNCT
easat-7236	55	1	in	in	ADP
easat-7236	55	2	their	their	PRON
easat-7236	55	3	study	study	NOUN
easat-7236	55	4	,	,	PUNCT
easat-7236	55	5	rehman	rehman	NOUN
easat-7236	55	6	and	and	CCONJ
easat-7236	55	7	mia	mia	PROPN
easat-7236	56	1	[	[	X
easat-7236	56	2	14	14	NUM
easat-7236	56	3	]	]	PUNCT
easat-7236	56	4	khurram	khurram	PROPN
easat-7236	56	5	rehman	rehman	PROPN
easat-7236	56	6	and	and	CCONJ
easat-7236	56	7	md	md	PROPN
easat-7236	56	8	.	.	PUNCT
easat-7236	57	1	aslam	aslam	PROPN
easat-7236	57	2	mia	mia	PROPN
easat-7236	57	3	systematically	systematically	ADV
easat-7236	57	4	reviewed	review	VERB
easat-7236	57	5	papers	paper	NOUN
easat-7236	57	6	published	publish	VERB
easat-7236	57	7	in	in	ADP
easat-7236	57	8	the	the	DET
easat-7236	57	9	scopus	scopus	PROPN
easat-7236	57	10	database	database	NOUN
easat-7236	57	11	from	from	ADP
easat-7236	57	12	1981	1981	NUM
easat-7236	57	13	to	to	ADP
easat-7236	57	14	2024	2024	NUM
easat-7236	57	15	.	.	PUNCT
easat-7236	58	1	their	their	PRON
easat-7236	58	2	results	result	NOUN
easat-7236	58	3	clearly	clearly	ADV
easat-7236	58	4	suggest	suggest	VERB
easat-7236	58	5	that	that	SCONJ
easat-7236	58	6	religious	religious	ADJ
easat-7236	58	7	and	and	CCONJ
easat-7236	58	8	technological	technological	ADJ
easat-7236	58	9	factors	factor	NOUN
easat-7236	58	10	influence	influence	VERB
easat-7236	58	11	financial	financial	ADJ
easat-7236	58	12	literacy	literacy	NOUN
easat-7236	58	13	.	.	PUNCT
easat-7236	59	1	due	due	ADP
easat-7236	59	2	to	to	ADP
easat-7236	59	3	overconfidence	overconfidence	NOUN
easat-7236	59	4	,	,	PUNCT
easat-7236	59	5	even	even	ADV
easat-7236	59	6	investors	investor	NOUN
easat-7236	59	7	with	with	ADP
easat-7236	59	8	financial	financial	ADJ
easat-7236	59	9	knowledge	knowledge	NOUN
easat-7236	59	10	sometimes	sometimes	ADV
easat-7236	59	11	face	face	VERB
easat-7236	59	12	unnecessary	unnecessary	ADJ
easat-7236	59	13	charges	charge	NOUN
easat-7236	59	14	.	.	PUNCT
easat-7236	60	1	the	the	DET
easat-7236	60	2	study	study	NOUN
easat-7236	60	3	inghelbrecht	inghelbrecht	NOUN
easat-7236	60	4	and	and	CCONJ
easat-7236	60	5	tedde	tedde	VERB
easat-7236	60	6	[	[	X
easat-7236	60	7	15	15	NUM
easat-7236	60	8	]	]	PUNCT
easat-7236	60	9	examines	examine	VERB
easat-7236	60	10	the	the	DET
easat-7236	60	11	negative	negative	ADJ
easat-7236	60	12	impact	impact	NOUN
easat-7236	60	13	of	of	ADP
easat-7236	60	14	overconfidence	overconfidence	NOUN
easat-7236	60	15	on	on	ADP
easat-7236	60	16	investor	investor	NOUN
easat-7236	60	17	trading	trading	NOUN
easat-7236	60	18	behavior	behavior	NOUN
easat-7236	60	19	.	.	PUNCT
easat-7236	61	1	findings	finding	NOUN
easat-7236	61	2	indicate	indicate	VERB
easat-7236	61	3	that	that	SCONJ
easat-7236	61	4	overconfident	overconfident	ADJ
easat-7236	61	5	investors	investor	NOUN
easat-7236	61	6	trade	trade	VERB
easat-7236	61	7	more	more	ADV
easat-7236	61	8	frequently	frequently	ADV
easat-7236	61	9	than	than	ADP
easat-7236	61	10	rational	rational	ADJ
easat-7236	61	11	investors	investor	NOUN
easat-7236	61	12	but	but	CCONJ
easat-7236	61	13	do	do	AUX
easat-7236	61	14	not	not	PART
easat-7236	61	15	show	show	VERB
easat-7236	61	16	worse	bad	ADJ
easat-7236	61	17	performance	performance	NOUN
easat-7236	61	18	.	.	PUNCT
easat-7236	62	1	additionally	additionally	ADV
easat-7236	62	2	,	,	PUNCT
easat-7236	62	3	stress	stress	NOUN
easat-7236	62	4	does	do	AUX
easat-7236	62	5	not	not	PART
easat-7236	62	6	appear	appear	VERB
easat-7236	62	7	to	to	PART
easat-7236	62	8	affect	affect	VERB
easat-7236	62	9	their	their	PRON
easat-7236	62	10	trading	trading	NOUN
easat-7236	62	11	behavior	behavior	NOUN
easat-7236	62	12	.	.	PUNCT
easat-7236	63	1	indeed	indeed	ADV
easat-7236	63	2	,	,	PUNCT
easat-7236	63	3	financial	financial	ADJ
easat-7236	63	4	literacy	literacy	NOUN
easat-7236	63	5	aids	aid	NOUN
easat-7236	63	6	in	in	ADP
easat-7236	63	7	reducing	reduce	VERB
easat-7236	63	8	energy	energy	NOUN
easat-7236	63	9	poverty	poverty	NOUN
easat-7236	63	10	.	.	PUNCT
easat-7236	64	1	the	the	DET
easat-7236	64	2	study	study	NOUN
easat-7236	64	3	[	[	X
easat-7236	64	4	16	16	NUM
easat-7236	64	5	]	]	PUNCT
easat-7236	64	6	"	"	PUNCT
easat-7236	64	7	conducted	conduct	VERB
easat-7236	64	8	by	by	ADP
easat-7236	64	9	tao	tao	PROPN
easat-7236	64	10	et	et	PROPN
easat-7236	64	11	al	al	PROPN
easat-7236	64	12	.	.	PUNCT
easat-7236	65	1	[	[	X
easat-7236	65	2	16	16	NUM
easat-7236	65	3	]	]	AUX
easat-7236	65	4	examines	examine	VERB
easat-7236	65	5	this	this	DET
easat-7236	65	6	relationship	relationship	NOUN
easat-7236	65	7	in	in	ADP
easat-7236	65	8	chinese	chinese	ADJ
easat-7236	65	9	households	household	NOUN
easat-7236	65	10	and	and	CCONJ
easat-7236	65	11	finds	find	VERB
easat-7236	65	12	that	that	SCONJ
easat-7236	65	13	a	a	DET
easat-7236	65	14	high	high	ADJ
easat-7236	65	15	level	level	NOUN
easat-7236	65	16	of	of	ADP
easat-7236	65	17	financial	financial	ADJ
easat-7236	65	18	literacy	literacy	NOUN
easat-7236	65	19	has	have	VERB
easat-7236	65	20	a	a	DET
easat-7236	65	21	strong	strong	ADJ
easat-7236	65	22	and	and	CCONJ
easat-7236	65	23	dynamic	dynamic	ADJ
easat-7236	65	24	effect	effect	NOUN
easat-7236	65	25	on	on	ADP
easat-7236	65	26	alleviating	alleviate	VERB
easat-7236	65	27	energy	energy	NOUN
easat-7236	65	28	poverty	poverty	NOUN
easat-7236	65	29	.	.	PUNCT
easat-7236	66	1	1595	1595	NUM
easat-7236	66	2	edelweiss	edelweiss	PROPN
easat-7236	66	3	applied	apply	VERB
easat-7236	66	4	science	science	NOUN
easat-7236	66	5	and	and	CCONJ
easat-7236	66	6	technology	technology	NOUN
easat-7236	66	7	issn	issn	PROPN
easat-7236	66	8	:	:	PUNCT
easat-7236	66	9	2576	2576	NUM
easat-7236	66	10	-	-	SYM
easat-7236	66	11	8484	8484	NUM
easat-7236	66	12	vol	vol	NOUN
easat-7236	66	13	.	.	PROPN
easat-7236	67	1	9	9	NUM
easat-7236	67	2	,	,	PUNCT
easat-7236	67	3	no	no	INTJ
easat-7236	67	4	.	.	NOUN
easat-7236	67	5	5	5	NUM
easat-7236	67	6	:	:	SYM
easat-7236	67	7	1593	1593	NUM
easat-7236	67	8	-	-	SYM
easat-7236	67	9	1609	1609	NUM
easat-7236	67	10	,	,	PUNCT
easat-7236	67	11	2025	2025	NUM
easat-7236	67	12	doi	doi	NOUN
easat-7236	67	13	:	:	PUNCT
easat-7236	67	14	10.55214/25768484.v9i5.7236	10.55214/25768484.v9i5.7236	NUM
easat-7236	67	15	©	©	PROPN
easat-7236	67	16	2025	2025	NUM
easat-7236	67	17	by	by	ADP
easat-7236	67	18	the	the	DET
easat-7236	67	19	authors	author	NOUN
easat-7236	67	20	;	;	PUNCT
easat-7236	67	21	licensee	licensee	PROPN
easat-7236	67	22	learning	learning	NOUN
easat-7236	67	23	gate	gate	NOUN
easat-7236	67	24	1.2	1.2	NUM
easat-7236	67	25	.	.	PUNCT
easat-7236	68	1	fintech	fintech	NOUN
easat-7236	68	2	as	as	SCONJ
easat-7236	68	3	the	the	DET
easat-7236	68	4	fintech	fintech	NOUN
easat-7236	68	5	era	era	NOUN
easat-7236	68	6	progresses	progress	VERB
easat-7236	68	7	,	,	PUNCT
easat-7236	68	8	financial	financial	ADJ
easat-7236	68	9	inclusion	inclusion	NOUN
easat-7236	68	10	is	be	AUX
easat-7236	68	11	contingent	contingent	ADJ
easat-7236	68	12	upon	upon	SCONJ
easat-7236	68	13	accessibility	accessibility	NOUN
easat-7236	68	14	,	,	PUNCT
easat-7236	68	15	user	user	NOUN
easat-7236	68	16	-	-	PUNCT
easat-7236	68	17	friendliness	friendliness	ADJ
easat-7236	68	18	,	,	PUNCT
easat-7236	68	19	and	and	CCONJ
easat-7236	68	20	particularly	particularly	ADV
easat-7236	68	21	,	,	PUNCT
easat-7236	68	22	visualization	visualization	NOUN
easat-7236	68	23	.	.	PUNCT
easat-7236	69	1	the	the	DET
easat-7236	69	2	way	way	NOUN
easat-7236	69	3	financial	financial	ADJ
easat-7236	69	4	information	information	NOUN
easat-7236	69	5	is	be	AUX
easat-7236	69	6	presented	present	VERB
easat-7236	69	7	significantly	significantly	ADV
easat-7236	69	8	influences	influence	VERB
easat-7236	69	9	the	the	DET
easat-7236	69	10	choices	choice	NOUN
easat-7236	69	11	made	make	VERB
easat-7236	69	12	by	by	ADP
easat-7236	69	13	those	those	PRON
easat-7236	69	14	with	with	ADP
easat-7236	69	15	poor	poor	ADJ
easat-7236	69	16	financial	financial	ADJ
easat-7236	69	17	literacy	literacy	NOUN
easat-7236	69	18	[	[	X
easat-7236	69	19	17	17	NUM
easat-7236	69	20	,	,	PUNCT
easat-7236	69	21	18	18	NUM
easat-7236	69	22	]	]	PUNCT
easat-7236	69	23	.	.	PUNCT
easat-7236	70	1	therefore	therefore	ADV
easat-7236	70	2	,	,	PUNCT
easat-7236	70	3	collaboration	collaboration	NOUN
easat-7236	70	4	with	with	ADP
easat-7236	70	5	financial	financial	ADJ
easat-7236	70	6	institutions	institution	NOUN
easat-7236	70	7	,	,	PUNCT
easat-7236	70	8	businesses	business	NOUN
easat-7236	70	9	,	,	PUNCT
easat-7236	70	10	and	and	CCONJ
easat-7236	70	11	entrepreneurs	entrepreneur	NOUN
easat-7236	70	12	is	be	AUX
easat-7236	70	13	essential	essential	ADJ
easat-7236	70	14	to	to	PART
easat-7236	70	15	develop	develop	VERB
easat-7236	70	16	supply	supply	NOUN
easat-7236	70	17	-	-	PUNCT
easat-7236	70	18	side	side	NOUN
easat-7236	70	19	solutions	solution	NOUN
easat-7236	70	20	that	that	PRON
easat-7236	70	21	enhance	enhance	VERB
easat-7236	70	22	financial	financial	ADJ
easat-7236	70	23	literacy	literacy	NOUN
easat-7236	70	24	and	and	CCONJ
easat-7236	70	25	address	address	NOUN
easat-7236	70	26	disparities	disparity	NOUN
easat-7236	70	27	among	among	ADP
easat-7236	70	28	different	different	ADJ
easat-7236	70	29	demographic	demographic	ADJ
easat-7236	70	30	groups	group	NOUN
easat-7236	70	31	[	[	X
easat-7236	70	32	19	19	NUM
easat-7236	70	33	]	]	PUNCT
easat-7236	70	34	.	.	PUNCT
easat-7236	71	1	recognizing	recognize	VERB
easat-7236	71	2	its	its	PRON
easat-7236	71	3	vast	vast	ADJ
easat-7236	71	4	scope	scope	NOUN
easat-7236	71	5	to	to	PART
easat-7236	71	6	enhance	enhance	VERB
easat-7236	71	7	financial	financial	ADJ
easat-7236	71	8	inclusion	inclusion	NOUN
easat-7236	71	9	and	and	CCONJ
easat-7236	71	10	improve	improve	VERB
easat-7236	71	11	the	the	DET
easat-7236	71	12	performance	performance	NOUN
easat-7236	71	13	of	of	ADP
easat-7236	71	14	the	the	DET
easat-7236	71	15	financial	financial	ADJ
easat-7236	71	16	sector	sector	NOUN
easat-7236	71	17	,	,	PUNCT
easat-7236	71	18	the	the	DET
easat-7236	71	19	paper	paper	NOUN
easat-7236	71	20	ferilli	ferilli	NOUN
easat-7236	71	21	,	,	PUNCT
easat-7236	71	22	et	et	PROPN
easat-7236	71	23	al	al	PROPN
easat-7236	71	24	.	.	PUNCT
easat-7236	72	1	[	[	X
easat-7236	72	2	20	20	NUM
easat-7236	72	3	]	]	PUNCT
easat-7236	72	4	by	by	ADP
easat-7236	72	5	ferilli	ferilli	PROPN
easat-7236	72	6	,	,	PUNCT
easat-7236	72	7	et	et	PROPN
easat-7236	72	8	al	al	PROPN
easat-7236	72	9	.	.	PUNCT
easat-7236	73	1	[	[	X
easat-7236	73	2	20	20	NUM
easat-7236	73	3	]	]	PUNCT
easat-7236	73	4	examined	examine	VERB
easat-7236	73	5	the	the	DET
easat-7236	73	6	joint	joint	ADJ
easat-7236	73	7	impact	impact	NOUN
easat-7236	73	8	of	of	ADP
easat-7236	73	9	fintech	fintech	NOUN
easat-7236	73	10	development	development	NOUN
easat-7236	73	11	and	and	CCONJ
easat-7236	73	12	the	the	DET
easat-7236	73	13	covid-19	covid-19	PROPN
easat-7236	73	14	outbreak	outbreak	NOUN
easat-7236	73	15	on	on	ADP
easat-7236	73	16	the	the	DET
easat-7236	73	17	cross	cross	ADJ
easat-7236	73	18	-	-	ADJ
easat-7236	73	19	country	country	ADJ
easat-7236	73	20	digital	digital	ADJ
easat-7236	73	21	financial	financial	ADJ
easat-7236	73	22	divide	divide	NOUN
easat-7236	73	23	(	(	PUNCT
easat-7236	73	24	dfd	dfd	NOUN
easat-7236	73	25	)	)	PUNCT
easat-7236	73	26	.	.	PUNCT
easat-7236	74	1	the	the	DET
easat-7236	74	2	study	study	NOUN
easat-7236	74	3	found	find	VERB
easat-7236	74	4	that	that	SCONJ
easat-7236	74	5	high	high	ADJ
easat-7236	74	6	levels	level	NOUN
easat-7236	74	7	of	of	ADP
easat-7236	74	8	fintech	fintech	NOUN
easat-7236	74	9	development	development	NOUN
easat-7236	74	10	reduce	reduce	VERB
easat-7236	74	11	a	a	DET
easat-7236	74	12	country	country	NOUN
easat-7236	74	13	's	's	PART
easat-7236	74	14	dfd	dfd	NOUN
easat-7236	74	15	,	,	PUNCT
easat-7236	74	16	improve	improve	VERB
easat-7236	74	17	the	the	DET
easat-7236	74	18	adoption	adoption	NOUN
easat-7236	74	19	of	of	ADP
easat-7236	74	20	e	e	NOUN
easat-7236	74	21	-	-	ADJ
easat-7236	74	22	banking	banking	ADJ
easat-7236	74	23	services	service	NOUN
easat-7236	74	24	,	,	PUNCT
easat-7236	74	25	and	and	CCONJ
easat-7236	74	26	increase	increase	VERB
easat-7236	74	27	financial	financial	ADJ
easat-7236	74	28	inclusion	inclusion	NOUN
easat-7236	74	29	in	in	ADP
easat-7236	74	30	europe	europe	PROPN
easat-7236	74	31	.	.	PUNCT
easat-7236	75	1	the	the	DET
easat-7236	75	2	positive	positive	ADJ
easat-7236	75	3	impact	impact	NOUN
easat-7236	75	4	of	of	ADP
easat-7236	75	5	fintech	fintech	NOUN
easat-7236	75	6	on	on	ADP
easat-7236	75	7	performance	performance	NOUN
easat-7236	75	8	is	be	AUX
easat-7236	75	9	particularly	particularly	ADV
easat-7236	75	10	evident	evident	ADJ
easat-7236	75	11	in	in	ADP
easat-7236	75	12	the	the	DET
easat-7236	75	13	banking	banking	NOUN
easat-7236	75	14	sector	sector	NOUN
easat-7236	75	15	.	.	PUNCT
easat-7236	76	1	in	in	ADP
easat-7236	76	2	their	their	PRON
easat-7236	76	3	study	study	NOUN
easat-7236	76	4	,	,	PUNCT
easat-7236	76	5	jungo	jungo	NOUN
easat-7236	76	6	,	,	PUNCT
easat-7236	76	7	et	et	PROPN
easat-7236	76	8	al	al	PROPN
easat-7236	76	9	.	.	PUNCT
easat-7236	77	1	[	[	X
easat-7236	77	2	21	21	NUM
easat-7236	77	3	]	]	PUNCT
easat-7236	77	4	analyze	analyze	VERB
easat-7236	77	5	the	the	DET
easat-7236	77	6	role	role	NOUN
easat-7236	77	7	of	of	ADP
easat-7236	77	8	literacy	literacy	NOUN
easat-7236	77	9	,	,	PUNCT
easat-7236	77	10	innovation	innovation	NOUN
easat-7236	77	11	,	,	PUNCT
easat-7236	77	12	and	and	CCONJ
easat-7236	77	13	financial	financial	ADJ
easat-7236	77	14	inclusion	inclusion	NOUN
easat-7236	77	15	in	in	ADP
easat-7236	77	16	mitigating	mitigate	VERB
easat-7236	77	17	the	the	DET
easat-7236	77	18	negative	negative	ADJ
easat-7236	77	19	impact	impact	NOUN
easat-7236	77	20	of	of	ADP
easat-7236	77	21	corruption	corruption	NOUN
easat-7236	77	22	on	on	ADP
easat-7236	77	23	bank	bank	NOUN
easat-7236	77	24	performance	performance	NOUN
easat-7236	77	25	across	across	ADP
easat-7236	77	26	various	various	ADJ
easat-7236	77	27	countries	country	NOUN
easat-7236	77	28	and	and	CCONJ
easat-7236	77	29	continents	continent	NOUN
easat-7236	77	30	.	.	PUNCT
easat-7236	78	1	their	their	PRON
easat-7236	78	2	findings	finding	NOUN
easat-7236	78	3	show	show	VERB
easat-7236	78	4	that	that	SCONJ
easat-7236	78	5	financial	financial	ADJ
easat-7236	78	6	literacy	literacy	NOUN
easat-7236	78	7	,	,	PUNCT
easat-7236	78	8	financial	financial	ADJ
easat-7236	78	9	inclusion	inclusion	NOUN
easat-7236	78	10	,	,	PUNCT
easat-7236	78	11	and	and	CCONJ
easat-7236	78	12	financial	financial	ADJ
easat-7236	78	13	innovation	innovation	NOUN
easat-7236	78	14	have	have	VERB
easat-7236	78	15	a	a	DET
easat-7236	78	16	positive	positive	ADJ
easat-7236	78	17	influence	influence	NOUN
easat-7236	78	18	on	on	ADP
easat-7236	78	19	bank	bank	NOUN
easat-7236	78	20	performance	performance	NOUN
easat-7236	78	21	and	and	CCONJ
easat-7236	78	22	contribute	contribute	VERB
easat-7236	78	23	to	to	ADP
easat-7236	78	24	the	the	DET
easat-7236	78	25	reduction	reduction	NOUN
easat-7236	78	26	of	of	ADP
easat-7236	78	27	credit	credit	NOUN
easat-7236	78	28	risk	risk	NOUN
easat-7236	78	29	.	.	PUNCT
easat-7236	79	1	aracil	aracil	PROPN
easat-7236	79	2	,	,	PUNCT
easat-7236	79	3	et	et	PROPN
easat-7236	79	4	al	al	PROPN
easat-7236	79	5	.	.	PUNCT
easat-7236	80	1	[	[	X
easat-7236	80	2	22	22	NUM
easat-7236	80	3	]	]	PUNCT
easat-7236	80	4	presents	present	VERB
easat-7236	80	5	a	a	DET
easat-7236	80	6	similar	similar	ADJ
easat-7236	80	7	empirical	empirical	ADJ
easat-7236	80	8	analysis	analysis	NOUN
easat-7236	80	9	of	of	ADP
easat-7236	80	10	the	the	DET
easat-7236	80	11	effect	effect	NOUN
easat-7236	80	12	of	of	ADP
easat-7236	80	13	mobile	mobile	ADJ
easat-7236	80	14	money	money	NOUN
easat-7236	80	15	(	(	PUNCT
easat-7236	80	16	m	m	NOUN
easat-7236	80	17	-	-	NOUN
easat-7236	80	18	money	money	NOUN
easat-7236	80	19	)	)	PUNCT
easat-7236	80	20	on	on	ADP
easat-7236	80	21	financial	financial	ADJ
easat-7236	80	22	inclusion	inclusion	NOUN
easat-7236	80	23	.	.	PUNCT
easat-7236	81	1	their	their	PRON
easat-7236	81	2	results	result	NOUN
easat-7236	81	3	confirmed	confirm	VERB
easat-7236	81	4	that	that	SCONJ
easat-7236	81	5	fintech	fintech	NOUN
easat-7236	81	6	-	-	PUNCT
easat-7236	81	7	based	base	VERB
easat-7236	81	8	m	m	NOUN
easat-7236	81	9	-	-	NOUN
easat-7236	81	10	money	money	NOUN
easat-7236	81	11	can	can	AUX
easat-7236	81	12	effectively	effectively	ADV
easat-7236	81	13	serve	serve	VERB
easat-7236	81	14	as	as	ADP
easat-7236	81	15	a	a	DET
easat-7236	81	16	first	first	ADJ
easat-7236	81	17	step	step	NOUN
easat-7236	81	18	in	in	ADP
easat-7236	81	19	transitioning	transition	VERB
easat-7236	81	20	towards	towards	ADP
easat-7236	81	21	wider	wide	ADJ
easat-7236	81	22	financial	financial	ADJ
easat-7236	81	23	inclusion	inclusion	NOUN
easat-7236	81	24	levels	level	NOUN
easat-7236	81	25	,	,	PUNCT
easat-7236	81	26	influencing	influence	VERB
easat-7236	81	27	both	both	CCONJ
easat-7236	81	28	deposit	deposit	NOUN
easat-7236	81	29	and	and	CCONJ
easat-7236	81	30	credit	credit	NOUN
easat-7236	81	31	-	-	PUNCT
easat-7236	81	32	based	base	VERB
easat-7236	81	33	financial	financial	ADJ
easat-7236	81	34	inclusion	inclusion	NOUN
easat-7236	81	35	.	.	PUNCT
easat-7236	82	1	more	more	ADJ
easat-7236	82	2	in	in	ADP
easat-7236	82	3	-	-	PUNCT
easat-7236	82	4	depth	depth	NOUN
easat-7236	82	5	studies	study	NOUN
easat-7236	82	6	are	be	AUX
easat-7236	82	7	necessary	necessary	ADJ
easat-7236	82	8	to	to	PART
easat-7236	82	9	fully	fully	ADV
easat-7236	82	10	understand	understand	VERB
easat-7236	82	11	the	the	DET
easat-7236	82	12	impact	impact	NOUN
easat-7236	82	13	of	of	ADP
easat-7236	82	14	fintech	fintech	NOUN
easat-7236	82	15	on	on	ADP
easat-7236	82	16	sdg	sdg	NOUN
easat-7236	82	17	goals	goal	NOUN
easat-7236	82	18	.	.	PUNCT
easat-7236	83	1	in	in	ADP
easat-7236	83	2	their	their	PRON
easat-7236	83	3	paper	paper	NOUN
easat-7236	83	4	[	[	X
easat-7236	83	5	23	23	NUM
easat-7236	83	6	]	]	PUNCT
easat-7236	83	7	.	.	PUNCT
easat-7236	84	1	nicola	nicola	PROPN
easat-7236	84	2	and	and	CCONJ
easat-7236	84	3	peterson	peterson	PROPN
easat-7236	84	4	cited	cite	VERB
easat-7236	84	5	that	that	SCONJ
easat-7236	84	6	fintech	fintech	NOUN
easat-7236	84	7	not	not	PART
easat-7236	84	8	only	only	ADV
easat-7236	84	9	disrupts	disrupt	VERB
easat-7236	84	10	current	current	ADJ
easat-7236	84	11	traditional	traditional	ADJ
easat-7236	84	12	systems	system	NOUN
easat-7236	84	13	but	but	CCONJ
easat-7236	84	14	also	also	ADV
easat-7236	84	15	introduces	introduce	VERB
easat-7236	84	16	innovations	innovation	NOUN
easat-7236	84	17	that	that	PRON
easat-7236	84	18	promote	promote	VERB
easat-7236	84	19	equality	equality	NOUN
easat-7236	84	20	and	and	CCONJ
easat-7236	84	21	sustainable	sustainable	ADJ
easat-7236	84	22	development	development	NOUN
easat-7236	84	23	.	.	PUNCT
easat-7236	85	1	they	they	PRON
easat-7236	85	2	also	also	ADV
easat-7236	85	3	praised	praise	VERB
easat-7236	85	4	the	the	DET
easat-7236	85	5	importance	importance	NOUN
easat-7236	85	6	of	of	ADP
easat-7236	85	7	interdisciplinary	interdisciplinary	ADJ
easat-7236	85	8	approaches	approach	NOUN
easat-7236	85	9	and	and	CCONJ
easat-7236	85	10	called	call	VERB
easat-7236	85	11	for	for	ADP
easat-7236	85	12	a	a	DET
easat-7236	85	13	deeper	deep	ADJ
easat-7236	85	14	exploration	exploration	NOUN
easat-7236	85	15	of	of	ADP
easat-7236	85	16	the	the	DET
easat-7236	85	17	long	long	ADJ
easat-7236	85	18	-	-	PUNCT
easat-7236	85	19	term	term	NOUN
easat-7236	85	20	impact	impact	NOUN
easat-7236	85	21	of	of	ADP
easat-7236	85	22	fintech	fintech	NOUN
easat-7236	85	23	innovations	innovation	NOUN
easat-7236	85	24	on	on	ADP
easat-7236	85	25	financial	financial	ADJ
easat-7236	85	26	inclusion	inclusion	NOUN
easat-7236	85	27	.	.	PUNCT
easat-7236	86	1	for	for	SCONJ
easat-7236	86	2	fintech	fintech	NOUN
easat-7236	86	3	to	to	PART
easat-7236	86	4	capture	capture	VERB
easat-7236	86	5	a	a	DET
easat-7236	86	6	significant	significant	ADJ
easat-7236	86	7	market	market	NOUN
easat-7236	86	8	share	share	NOUN
easat-7236	86	9	,	,	PUNCT
easat-7236	86	10	trust	trust	NOUN
easat-7236	86	11	and	and	CCONJ
easat-7236	86	12	security	security	NOUN
easat-7236	86	13	are	be	AUX
easat-7236	86	14	key	key	ADJ
easat-7236	86	15	drivers	driver	NOUN
easat-7236	86	16	of	of	ADP
easat-7236	86	17	success	success	NOUN
easat-7236	86	18	.	.	PUNCT
easat-7236	87	1	according	accord	VERB
easat-7236	87	2	to	to	ADP
easat-7236	87	3	a	a	DET
easat-7236	87	4	study	study	NOUN
easat-7236	87	5	by	by	ADP
easat-7236	87	6	amnas	amnas	PROPN
easat-7236	87	7	et	et	PROPN
easat-7236	87	8	al	al	PROPN
easat-7236	87	9	.	.	PROPN
easat-7236	87	10	titled	title	VERB
easat-7236	87	11	[	[	X
easat-7236	87	12	2	2	NUM
easat-7236	87	13	]	]	PUNCT
easat-7236	87	14	.	.	PUNCT
easat-7236	87	15	"	"	PUNCT
easat-7236	88	1	fintech	fintech	NOUN
easat-7236	88	2	was	be	AUX
easat-7236	88	3	found	find	VERB
easat-7236	88	4	to	to	PART
easat-7236	88	5	promote	promote	VERB
easat-7236	88	6	financial	financial	ADJ
easat-7236	88	7	inclusion	inclusion	NOUN
easat-7236	88	8	.	.	PUNCT
easat-7236	89	1	the	the	DET
easat-7236	89	2	results	result	NOUN
easat-7236	89	3	also	also	ADV
easat-7236	89	4	highlighted	highlight	VERB
easat-7236	89	5	trust	trust	NOUN
easat-7236	89	6	,	,	PUNCT
easat-7236	89	7	service	service	NOUN
easat-7236	89	8	quality	quality	NOUN
easat-7236	89	9	,	,	PUNCT
easat-7236	89	10	and	and	CCONJ
easat-7236	89	11	perceived	perceive	VERB
easat-7236	89	12	security	security	NOUN
easat-7236	89	13	as	as	ADP
easat-7236	89	14	important	important	ADJ
easat-7236	89	15	factors	factor	NOUN
easat-7236	89	16	for	for	ADP
easat-7236	89	17	the	the	DET
easat-7236	89	18	adoption	adoption	NOUN
easat-7236	89	19	of	of	ADP
easat-7236	89	20	fintech	fintech	NOUN
easat-7236	89	21	services	service	NOUN
easat-7236	89	22	.	.	PUNCT
easat-7236	90	1	emphasizing	emphasize	VERB
easat-7236	90	2	the	the	DET
easat-7236	90	3	importance	importance	NOUN
easat-7236	90	4	of	of	ADP
easat-7236	90	5	trust	trust	NOUN
easat-7236	90	6	and	and	CCONJ
easat-7236	90	7	security	security	NOUN
easat-7236	90	8	for	for	ADP
easat-7236	90	9	fintech	fintech	NOUN
easat-7236	90	10	to	to	PART
easat-7236	90	11	gain	gain	VERB
easat-7236	90	12	market	market	NOUN
easat-7236	90	13	share	share	NOUN
easat-7236	90	14	,	,	PUNCT
easat-7236	90	15	hajar	hajar	PROPN
easat-7236	90	16	et	et	PROPN
easat-7236	90	17	al	al	PROPN
easat-7236	90	18	.	.	PROPN
easat-7236	90	19	's	's	PART
easat-7236	90	20	study	study	NOUN
easat-7236	90	21	,	,	PUNCT
easat-7236	90	22	fatorachian	fatorachian	NOUN
easat-7236	90	23	,	,	PUNCT
easat-7236	90	24	et	et	PROPN
easat-7236	90	25	al	al	PROPN
easat-7236	90	26	.	.	PUNCT
easat-7236	91	1	[	[	X
easat-7236	91	2	1	1	NUM
easat-7236	91	3	]	]	PUNCT
easat-7236	91	4	investigated	investigate	VERB
easat-7236	91	5	product	product	NOUN
easat-7236	91	6	-	-	PUNCT
easat-7236	91	7	market	market	NOUN
easat-7236	91	8	fit	fit	NOUN
easat-7236	91	9	for	for	ADP
easat-7236	91	10	fintech	fintech	NOUN
easat-7236	91	11	startups	startup	NOUN
easat-7236	91	12	as	as	ADV
easat-7236	91	13	well	well	ADV
easat-7236	91	14	as	as	ADP
easat-7236	91	15	the	the	DET
easat-7236	91	16	opportunities	opportunity	NOUN
easat-7236	91	17	and	and	CCONJ
easat-7236	91	18	challenges	challenge	NOUN
easat-7236	91	19	of	of	ADP
easat-7236	91	20	entering	enter	VERB
easat-7236	91	21	new	new	ADJ
easat-7236	91	22	markets	market	NOUN
easat-7236	91	23	.	.	PUNCT
easat-7236	92	1	the	the	DET
easat-7236	92	2	paper	paper	NOUN
easat-7236	92	3	concluded	conclude	VERB
easat-7236	92	4	that	that	SCONJ
easat-7236	92	5	trust	trust	NOUN
easat-7236	92	6	,	,	PUNCT
easat-7236	92	7	which	which	PRON
easat-7236	92	8	includes	include	VERB
easat-7236	92	9	security	security	NOUN
easat-7236	92	10	and	and	CCONJ
easat-7236	92	11	convenience	convenience	NOUN
easat-7236	92	12	,	,	PUNCT
easat-7236	92	13	is	be	AUX
easat-7236	92	14	a	a	DET
easat-7236	92	15	fundamental	fundamental	ADJ
easat-7236	92	16	milestone	milestone	NOUN
easat-7236	92	17	for	for	ADP
easat-7236	92	18	startup	startup	ADJ
easat-7236	92	19	success	success	NOUN
easat-7236	92	20	.	.	PUNCT
easat-7236	93	1	it	it	PRON
easat-7236	93	2	appears	appear	VERB
easat-7236	93	3	that	that	SCONJ
easat-7236	93	4	fintech	fintech	NOUN
easat-7236	93	5	does	do	AUX
easat-7236	93	6	not	not	PART
easat-7236	93	7	have	have	VERB
easat-7236	93	8	a	a	DET
easat-7236	93	9	significant	significant	ADJ
easat-7236	93	10	direct	direct	ADJ
easat-7236	93	11	or	or	CCONJ
easat-7236	93	12	indirect	indirect	ADJ
easat-7236	93	13	relationship	relationship	NOUN
easat-7236	93	14	with	with	ADP
easat-7236	93	15	the	the	DET
easat-7236	93	16	trust	trust	NOUN
easat-7236	93	17	consumers	consumer	NOUN
easat-7236	93	18	place	place	VERB
easat-7236	93	19	in	in	ADP
easat-7236	93	20	traditional	traditional	ADJ
easat-7236	93	21	banks	bank	NOUN
easat-7236	93	22	.	.	PUNCT
easat-7236	94	1	yang	yang	PROPN
easat-7236	95	1	[	[	X
easat-7236	95	2	24	24	NUM
easat-7236	95	3	]	]	PUNCT
easat-7236	95	4	confirm	confirm	VERB
easat-7236	95	5	that	that	DET
easat-7236	95	6	exposure	exposure	NOUN
easat-7236	95	7	to	to	ADP
easat-7236	95	8	scandal	scandal	NOUN
easat-7236	95	9	influences	influence	VERB
easat-7236	95	10	fintech	fintech	NOUN
easat-7236	95	11	adoption	adoption	NOUN
easat-7236	95	12	through	through	ADP
easat-7236	95	13	the	the	DET
easat-7236	95	14	erosion	erosion	NOUN
easat-7236	95	15	of	of	ADP
easat-7236	95	16	trust	trust	NOUN
easat-7236	95	17	in	in	ADP
easat-7236	95	18	banks	bank	NOUN
easat-7236	95	19	.	.	PUNCT
easat-7236	96	1	furthermore	furthermore	ADV
easat-7236	96	2	,	,	PUNCT
easat-7236	96	3	in	in	ADP
easat-7236	96	4	their	their	PRON
easat-7236	96	5	paper	paper	NOUN
easat-7236	96	6	[	[	X
easat-7236	96	7	25	25	NUM
easat-7236	96	8	]	]	PUNCT
easat-7236	96	9	presented	present	VERB
easat-7236	96	10	online	online	ADJ
easat-7236	96	11	lab	lab	NOUN
easat-7236	96	12	experiment	experiment	NOUN
easat-7236	96	13	results	result	NOUN
easat-7236	96	14	that	that	PRON
easat-7236	96	15	were	be	AUX
easat-7236	96	16	insignificant	insignificant	ADJ
easat-7236	96	17	.	.	PUNCT
easat-7236	97	1	the	the	DET
easat-7236	97	2	authors	author	NOUN
easat-7236	97	3	concluded	conclude	VERB
easat-7236	97	4	that	that	SCONJ
easat-7236	97	5	trust	trust	NOUN
easat-7236	97	6	in	in	ADP
easat-7236	97	7	traditional	traditional	ADJ
easat-7236	97	8	finance	finance	NOUN
easat-7236	97	9	does	do	AUX
easat-7236	97	10	not	not	PART
easat-7236	97	11	appear	appear	VERB
easat-7236	97	12	to	to	PART
easat-7236	97	13	be	be	AUX
easat-7236	97	14	a	a	DET
easat-7236	97	15	significant	significant	ADJ
easat-7236	97	16	driver	driver	NOUN
easat-7236	97	17	in	in	ADP
easat-7236	97	18	the	the	DET
easat-7236	97	19	increased	increase	VERB
easat-7236	97	20	usage	usage	NOUN
easat-7236	97	21	of	of	ADP
easat-7236	97	22	fintech	fintech	NOUN
easat-7236	97	23	.	.	PUNCT
easat-7236	98	1	fintech	fintech	NOUN
easat-7236	98	2	significantly	significantly	ADV
easat-7236	98	3	contributes	contribute	VERB
easat-7236	98	4	to	to	ADP
easat-7236	98	5	the	the	DET
easat-7236	98	6	financial	financial	ADJ
easat-7236	98	7	ecosystem	ecosystem	NOUN
easat-7236	98	8	and	and	CCONJ
easat-7236	98	9	its	its	PRON
easat-7236	98	10	industries	industry	NOUN
easat-7236	98	11	.	.	PUNCT
easat-7236	99	1	kou	kou	PROPN
easat-7236	99	2	and	and	CCONJ
easat-7236	99	3	lu	lu	PRON
easat-7236	100	1	[	[	X
easat-7236	100	2	26	26	NUM
easat-7236	100	3	]	]	PUNCT
easat-7236	100	4	in	in	ADP
easat-7236	100	5	their	their	PRON
easat-7236	100	6	literature	literature	NOUN
easat-7236	100	7	review	review	NOUN
easat-7236	100	8	[	[	X
easat-7236	100	9	26	26	NUM
easat-7236	100	10	]	]	PUNCT
easat-7236	100	11	investigated	investigate	VERB
easat-7236	100	12	five	five	NUM
easat-7236	100	13	emerging	emerge	VERB
easat-7236	100	14	financial	financial	ADJ
easat-7236	100	15	technologies	technology	NOUN
easat-7236	100	16	and	and	CCONJ
easat-7236	100	17	concluded	conclude	VERB
easat-7236	100	18	that	that	SCONJ
easat-7236	100	19	these	these	DET
easat-7236	100	20	technologies	technology	NOUN
easat-7236	100	21	contribute	contribute	VERB
easat-7236	100	22	to	to	ADP
easat-7236	100	23	the	the	DET
easat-7236	100	24	finance	finance	NOUN
easat-7236	100	25	ecosystem	ecosystem	NOUN
easat-7236	100	26	.	.	PUNCT
easat-7236	101	1	claire	claire	PROPN
easat-7236	101	2	et	et	PROPN
easat-7236	101	3	al	al	PROPN
easat-7236	101	4	.	.	PROPN
easat-7236	101	5	's	's	PART
easat-7236	101	6	paper	paper	NOUN
easat-7236	101	7	,	,	PUNCT
easat-7236	101	8	hong	hong	PROPN
easat-7236	101	9	,	,	PUNCT
easat-7236	101	10	et	et	PROPN
easat-7236	101	11	al	al	PROPN
easat-7236	101	12	.	.	PUNCT
easat-7236	102	1	[	[	X
easat-7236	102	2	27	27	NUM
easat-7236	102	3	]	]	PUNCT
easat-7236	102	4	offers	offer	VERB
easat-7236	102	5	empirical	empirical	ADJ
easat-7236	102	6	evidence	evidence	NOUN
easat-7236	102	7	regarding	regard	VERB
easat-7236	102	8	the	the	DET
easat-7236	102	9	impact	impact	NOUN
easat-7236	102	10	of	of	ADP
easat-7236	102	11	fintech	fintech	NOUN
easat-7236	102	12	platform	platform	NOUN
easat-7236	102	13	distribution	distribution	NOUN
easat-7236	102	14	on	on	ADP
easat-7236	102	15	the	the	DET
easat-7236	102	16	asset	asset	NOUN
easat-7236	102	17	management	management	NOUN
easat-7236	102	18	industry	industry	NOUN
easat-7236	102	19	.	.	PUNCT
easat-7236	103	1	the	the	DET
easat-7236	103	2	findings	finding	NOUN
easat-7236	103	3	clearly	clearly	ADV
easat-7236	103	4	indicate	indicate	VERB
easat-7236	103	5	that	that	SCONJ
easat-7236	103	6	these	these	DET
easat-7236	103	7	platforms	platform	NOUN
easat-7236	103	8	improve	improve	VERB
easat-7236	103	9	distributional	distributional	ADJ
easat-7236	103	10	efficiency	efficiency	NOUN
easat-7236	103	11	but	but	CCONJ
easat-7236	103	12	do	do	AUX
easat-7236	103	13	not	not	PART
easat-7236	103	14	necessarily	necessarily	ADV
easat-7236	103	15	lead	lead	VERB
easat-7236	103	16	to	to	ADP
easat-7236	103	17	allocational	allocational	ADJ
easat-7236	103	18	efficiency	efficiency	NOUN
easat-7236	103	19	.	.	PUNCT
easat-7236	104	1	while	while	SCONJ
easat-7236	104	2	focusing	focus	VERB
easat-7236	104	3	on	on	ADP
easat-7236	104	4	fintech	fintech	NOUN
easat-7236	104	5	valuation	valuation	NOUN
easat-7236	104	6	,	,	PUNCT
easat-7236	104	7	moro	moro	PROPN
easat-7236	104	8	-	-	PUNCT
easat-7236	104	9	visconti	visconti	PROPN
easat-7236	104	10	[	[	X
easat-7236	104	11	28	28	NUM
easat-7236	104	12	]	]	PUNCT
easat-7236	104	13	highlights	highlight	VERB
easat-7236	104	14	the	the	DET
easat-7236	104	15	importance	importance	NOUN
easat-7236	104	16	of	of	ADP
easat-7236	104	17	economic	economic	ADJ
easat-7236	104	18	and	and	CCONJ
easat-7236	104	19	financial	financial	ADJ
easat-7236	104	20	viability	viability	NOUN
easat-7236	104	21	for	for	ADP
easat-7236	104	22	business	business	NOUN
easat-7236	104	23	model	model	NOUN
easat-7236	104	24	sustainability	sustainability	NOUN
easat-7236	104	25	.	.	PUNCT
easat-7236	105	1	separately	separately	ADV
easat-7236	105	2	,	,	PUNCT
easat-7236	105	3	the	the	DET
easat-7236	105	4	paper	paper	NOUN
easat-7236	105	5	by	by	ADP
easat-7236	105	6	shahid	shahid	PROPN
easat-7236	105	7	,	,	PUNCT
easat-7236	105	8	et	et	PROPN
easat-7236	105	9	al	al	PROPN
easat-7236	105	10	.	.	PUNCT
easat-7236	106	1	[	[	X
easat-7236	106	2	29	29	NUM
easat-7236	106	3	]	]	PUNCT
easat-7236	106	4	utilizes	utilize	VERB
easat-7236	106	5	panel	panel	NOUN
easat-7236	106	6	data	datum	NOUN
easat-7236	106	7	from	from	ADP
easat-7236	106	8	2017	2017	NUM
easat-7236	106	9	to	to	ADP
easat-7236	106	10	2024	2024	NUM
easat-7236	106	11	to	to	PART
easat-7236	106	12	investigate	investigate	VERB
easat-7236	106	13	the	the	DET
easat-7236	106	14	impact	impact	NOUN
easat-7236	106	15	of	of	ADP
easat-7236	106	16	institutional	institutional	ADJ
easat-7236	106	17	quality	quality	NOUN
easat-7236	106	18	and	and	CCONJ
easat-7236	106	19	fintech	fintech	NOUN
easat-7236	106	20	on	on	ADP
easat-7236	106	21	co2	co2	NOUN
easat-7236	106	22	emissions	emission	NOUN
easat-7236	106	23	.	.	PUNCT
easat-7236	107	1	their	their	PRON
easat-7236	107	2	findings	finding	NOUN
easat-7236	107	3	clearly	clearly	ADV
easat-7236	107	4	indicate	indicate	VERB
easat-7236	107	5	that	that	SCONJ
easat-7236	107	6	fintech	fintech	NOUN
easat-7236	107	7	reduces	reduce	VERB
easat-7236	107	8	environmental	environmental	ADJ
easat-7236	107	9	quality	quality	NOUN
easat-7236	107	10	.	.	PUNCT
easat-7236	108	1	the	the	DET
easat-7236	108	2	authors	author	NOUN
easat-7236	108	3	recommend	recommend	VERB
easat-7236	108	4	that	that	SCONJ
easat-7236	108	5	all	all	DET
easat-7236	108	6	countries	country	NOUN
easat-7236	108	7	promote	promote	VERB
easat-7236	108	8	green	green	ADJ
easat-7236	108	9	and	and	CCONJ
easat-7236	108	10	clean	clean	ADJ
easat-7236	108	11	energy	energy	NOUN
easat-7236	108	12	in	in	ADP
easat-7236	108	13	fintech	fintech	NOUN
easat-7236	108	14	mining	mining	NOUN
easat-7236	108	15	and	and	CCONJ
easat-7236	108	16	suggest	suggest	VERB
easat-7236	108	17	that	that	SCONJ
easat-7236	108	18	nations	nation	NOUN
easat-7236	108	19	should	should	AUX
easat-7236	108	20	foster	foster	VERB
easat-7236	108	21	fintech	fintech	NOUN
easat-7236	108	22	activities	activity	NOUN
easat-7236	108	23	by	by	ADP
easat-7236	108	24	incorporating	incorporate	VERB
easat-7236	108	25	strict	strict	ADJ
easat-7236	108	26	regulations	regulation	NOUN
easat-7236	108	27	such	such	ADJ
easat-7236	108	28	as	as	ADP
easat-7236	108	29	the	the	DET
easat-7236	108	30	us	us	PROPN
easat-7236	108	31	ban	ban	NOUN
easat-7236	108	32	on	on	ADP
easat-7236	108	33	1596	1596	NUM
easat-7236	108	34	edelweiss	edelweiss	PROPN
easat-7236	108	35	applied	apply	VERB
easat-7236	108	36	science	science	NOUN
easat-7236	108	37	and	and	CCONJ
easat-7236	108	38	technology	technology	NOUN
easat-7236	108	39	issn	issn	PROPN
easat-7236	108	40	:	:	PUNCT
easat-7236	108	41	2576	2576	NUM
easat-7236	108	42	-	-	SYM
easat-7236	108	43	8484	8484	NUM
easat-7236	108	44	vol	vol	NOUN
easat-7236	108	45	.	.	PROPN
easat-7236	109	1	9	9	NUM
easat-7236	109	2	,	,	PUNCT
easat-7236	109	3	no	no	INTJ
easat-7236	109	4	.	.	NOUN
easat-7236	109	5	5	5	NUM
easat-7236	109	6	:	:	SYM
easat-7236	109	7	1593	1593	NUM
easat-7236	109	8	-	-	SYM
easat-7236	109	9	1609	1609	NUM
easat-7236	109	10	,	,	PUNCT
easat-7236	109	11	2025	2025	NUM
easat-7236	109	12	doi	doi	NOUN
easat-7236	109	13	:	:	PUNCT
easat-7236	109	14	10.55214/25768484.v9i5.7236	10.55214/25768484.v9i5.7236	NUM
easat-7236	109	15	©	©	PROPN
easat-7236	109	16	2025	2025	NUM
easat-7236	109	17	by	by	ADP
easat-7236	109	18	the	the	DET
easat-7236	109	19	authors	author	NOUN
easat-7236	109	20	;	;	PUNCT
easat-7236	109	21	licensee	licensee	PROPN
easat-7236	109	22	learning	learn	VERB
easat-7236	109	23	gate	gate	NOUN
easat-7236	109	24	carbon	carbon	NOUN
easat-7236	109	25	-	-	PUNCT
easat-7236	109	26	intensive	intensive	ADJ
easat-7236	109	27	mining	mining	NOUN
easat-7236	109	28	,	,	PUNCT
easat-7236	109	29	singapore	singapore	PROPN
easat-7236	109	30	’s	’s	PART
easat-7236	109	31	mas	mas	PROPN
easat-7236	109	32	green	green	PROPN
easat-7236	109	33	finance	finance	PROPN
easat-7236	109	34	action	action	NOUN
easat-7236	109	35	plan	plan	NOUN
easat-7236	109	36	,	,	PUNCT
easat-7236	109	37	the	the	DET
easat-7236	109	38	eu	eu	PROPN
easat-7236	109	39	’s	’s	PART
easat-7236	109	40	energy	energy	NOUN
easat-7236	109	41	efficiency	efficiency	NOUN
easat-7236	109	42	rules	rule	NOUN
easat-7236	109	43	for	for	ADP
easat-7236	109	44	data	data	NOUN
easat-7236	109	45	centers	center	NOUN
easat-7236	109	46	,	,	PUNCT
easat-7236	109	47	and	and	CCONJ
easat-7236	109	48	china	china	PROPN
easat-7236	109	49	’s	’s	PART
easat-7236	109	50	ban	ban	NOUN
easat-7236	109	51	on	on	ADP
easat-7236	109	52	cryptocurrency	cryptocurrency	NOUN
easat-7236	109	53	mining	mining	NOUN
easat-7236	109	54	to	to	PART
easat-7236	109	55	ensure	ensure	VERB
easat-7236	109	56	environmental	environmental	ADJ
easat-7236	109	57	sustainability	sustainability	NOUN
easat-7236	109	58	.	.	PUNCT
easat-7236	110	1	financial	financial	ADJ
easat-7236	110	2	literacy	literacy	NOUN
easat-7236	110	3	,	,	PUNCT
easat-7236	110	4	similar	similar	ADJ
easat-7236	110	5	to	to	ADP
easat-7236	110	6	higher	high	ADJ
easat-7236	110	7	education	education	NOUN
easat-7236	110	8	,	,	PUNCT
easat-7236	110	9	significantly	significantly	ADV
easat-7236	110	10	mediates	mediate	VERB
easat-7236	110	11	both	both	CCONJ
easat-7236	110	12	the	the	DET
easat-7236	110	13	adoption	adoption	NOUN
easat-7236	110	14	of	of	ADP
easat-7236	110	15	fintech	fintech	NOUN
easat-7236	110	16	innovations	innovation	NOUN
easat-7236	110	17	and	and	CCONJ
easat-7236	110	18	the	the	DET
easat-7236	110	19	increased	increase	VERB
easat-7236	110	20	risk	risk	NOUN
easat-7236	110	21	-	-	PUNCT
easat-7236	110	22	taking	taking	NOUN
easat-7236	110	23	observed	observe	VERB
easat-7236	110	24	in	in	ADP
easat-7236	110	25	financial	financial	ADJ
easat-7236	110	26	institutions	institution	NOUN
easat-7236	110	27	.	.	PUNCT
easat-7236	111	1	zaimovic	zaimovic	PROPN
easat-7236	111	2	,	,	PUNCT
easat-7236	111	3	et	et	PROPN
easat-7236	111	4	al	al	PROPN
easat-7236	111	5	.	.	PUNCT
easat-7236	112	1	[	[	X
easat-7236	112	2	30	30	NUM
easat-7236	112	3	]	]	PUNCT
easat-7236	112	4	in	in	ADP
easat-7236	112	5	support	support	NOUN
easat-7236	112	6	this	this	PRON
easat-7236	112	7	,	,	PUNCT
easat-7236	112	8	demonstrating	demonstrate	VERB
easat-7236	112	9	the	the	DET
easat-7236	112	10	mediating	mediate	VERB
easat-7236	112	11	role	role	NOUN
easat-7236	112	12	of	of	ADP
easat-7236	112	13	digital	digital	ADJ
easat-7236	112	14	financial	financial	ADJ
easat-7236	112	15	literacy	literacy	NOUN
easat-7236	112	16	and	and	CCONJ
easat-7236	112	17	a	a	DET
easat-7236	112	18	serial	serial	ADJ
easat-7236	112	19	mediation	mediation	NOUN
easat-7236	112	20	of	of	ADP
easat-7236	112	21	its	its	PRON
easat-7236	112	22	components	component	NOUN
easat-7236	112	23	—	—	PUNCT
easat-7236	112	24	digital	digital	ADJ
easat-7236	112	25	financial	financial	ADJ
easat-7236	112	26	knowledge	knowledge	NOUN
easat-7236	112	27	,	,	PUNCT
easat-7236	112	28	attitudes	attitude	NOUN
easat-7236	112	29	,	,	PUNCT
easat-7236	112	30	and	and	CCONJ
easat-7236	112	31	behaviour	behaviour	NOUN
easat-7236	112	32	—	—	PUNCT
easat-7236	112	33	in	in	ADP
easat-7236	112	34	the	the	DET
easat-7236	112	35	link	link	NOUN
easat-7236	112	36	between	between	ADP
easat-7236	112	37	business	business	NOUN
easat-7236	112	38	experience	experience	NOUN
easat-7236	112	39	and	and	CCONJ
easat-7236	112	40	fintech	fintech	NOUN
easat-7236	112	41	adoption	adoption	NOUN
easat-7236	112	42	.	.	PUNCT
easat-7236	113	1	furthermore	furthermore	ADV
easat-7236	113	2	,	,	PUNCT
easat-7236	113	3	selem	selem	NOUN
easat-7236	113	4	et	et	PROPN
easat-7236	113	5	al	al	PROPN
easat-7236	113	6	.	.	PROPN
easat-7236	113	7	's	's	PART
easat-7236	113	8	paper	paper	NOUN
easat-7236	113	9	[	[	X
easat-7236	113	10	31	31	NUM
easat-7236	113	11	]	]	PUNCT
easat-7236	113	12	reveals	reveal	VERB
easat-7236	113	13	a	a	DET
easat-7236	113	14	strong	strong	ADJ
easat-7236	113	15	correlation	correlation	NOUN
easat-7236	113	16	between	between	ADP
easat-7236	113	17	a	a	DET
easat-7236	113	18	greater	great	ADJ
easat-7236	113	19	fintech	fintech	NOUN
easat-7236	113	20	presence	presence	NOUN
easat-7236	113	21	and	and	CCONJ
easat-7236	113	22	increased	increase	VERB
easat-7236	113	23	risk	risk	NOUN
easat-7236	113	24	-	-	PUNCT
easat-7236	113	25	taking	taking	NOUN
easat-7236	113	26	by	by	ADP
easat-7236	113	27	financial	financial	ADJ
easat-7236	113	28	institutions	institution	NOUN
easat-7236	113	29	.	.	PUNCT
easat-7236	114	1	ionut	ionut	PROPN
easat-7236	114	2	et	et	PROPN
easat-7236	114	3	al	al	PROPN
easat-7236	114	4	.	.	PROPN
easat-7236	114	5	's	's	PART
easat-7236	114	6	paper	paper	NOUN
easat-7236	115	1	[	[	X
easat-7236	115	2	12	12	NUM
easat-7236	115	3	]	]	PUNCT
easat-7236	115	4	also	also	ADV
easat-7236	115	5	found	find	VERB
easat-7236	115	6	similar	similar	ADJ
easat-7236	115	7	results	result	NOUN
easat-7236	115	8	while	while	SCONJ
easat-7236	115	9	exploring	explore	VERB
easat-7236	115	10	the	the	DET
easat-7236	115	11	relationship	relationship	NOUN
easat-7236	115	12	between	between	ADP
easat-7236	115	13	financial	financial	ADJ
easat-7236	115	14	literacy	literacy	NOUN
easat-7236	115	15	and	and	CCONJ
easat-7236	115	16	higher	high	ADJ
easat-7236	115	17	education	education	NOUN
easat-7236	115	18	.	.	PUNCT
easat-7236	116	1	this	this	DET
easat-7236	116	2	study	study	NOUN
easat-7236	116	3	identifies	identify	VERB
easat-7236	116	4	trends	trend	NOUN
easat-7236	116	5	and	and	CCONJ
easat-7236	116	6	key	key	ADJ
easat-7236	116	7	linkages	linkage	NOUN
easat-7236	116	8	between	between	ADP
easat-7236	116	9	financial	financial	ADJ
easat-7236	116	10	literacy	literacy	NOUN
easat-7236	116	11	and	and	CCONJ
easat-7236	116	12	societal	societal	ADJ
easat-7236	116	13	well	well	ADV
easat-7236	116	14	-	-	PUNCT
easat-7236	116	15	being	being	NOUN
easat-7236	116	16	,	,	PUNCT
easat-7236	116	17	emphasizing	emphasize	VERB
easat-7236	116	18	the	the	DET
easat-7236	116	19	role	role	NOUN
easat-7236	116	20	of	of	ADP
easat-7236	116	21	digital	digital	ADJ
easat-7236	116	22	innovation	innovation	NOUN
easat-7236	116	23	.	.	PUNCT
easat-7236	117	1	investigating	investigate	VERB
easat-7236	117	2	the	the	DET
easat-7236	117	3	development	development	NOUN
easat-7236	117	4	of	of	ADP
easat-7236	117	5	early	early	ADJ
easat-7236	117	6	digital	digital	ADJ
easat-7236	117	7	financial	financial	ADJ
easat-7236	117	8	literacy	literacy	NOUN
easat-7236	117	9	in	in	ADP
easat-7236	117	10	young	young	ADJ
easat-7236	117	11	chinese	chinese	ADJ
easat-7236	117	12	children	child	NOUN
easat-7236	117	13	,	,	PUNCT
easat-7236	117	14	huihua	huihua	PROPN
easat-7236	117	15	et	et	PROPN
easat-7236	117	16	al	al	PROPN
easat-7236	117	17	.	.	PROPN
easat-7236	117	18	's	's	PART
easat-7236	117	19	study	study	NOUN
easat-7236	117	20	he	he	PRON
easat-7236	117	21	,	,	PUNCT
easat-7236	117	22	et	et	PROPN
easat-7236	117	23	al	al	PROPN
easat-7236	117	24	.	.	PUNCT
easat-7236	118	1	[	[	X
easat-7236	118	2	18	18	NUM
easat-7236	118	3	]	]	PUNCT
easat-7236	118	4	clearly	clearly	ADV
easat-7236	118	5	found	find	VERB
easat-7236	118	6	that	that	SCONJ
easat-7236	118	7	these	these	DET
easat-7236	118	8	children	child	NOUN
easat-7236	118	9	possess	possess	VERB
easat-7236	118	10	initial	initial	ADJ
easat-7236	118	11	knowledge	knowledge	NOUN
easat-7236	118	12	and	and	CCONJ
easat-7236	118	13	skills	skill	NOUN
easat-7236	118	14	in	in	ADP
easat-7236	118	15	coin	coin	NOUN
easat-7236	118	16	identification	identification	NOUN
easat-7236	118	17	,	,	PUNCT
easat-7236	118	18	denomination	denomination	NOUN
easat-7236	118	19	comparison	comparison	NOUN
easat-7236	118	20	,	,	PUNCT
easat-7236	118	21	and	and	CCONJ
easat-7236	118	22	equivalent	equivalent	ADJ
easat-7236	118	23	exchange	exchange	NOUN
easat-7236	118	24	.	.	PUNCT
easat-7236	119	1	additionally	additionally	ADV
easat-7236	119	2	,	,	PUNCT
easat-7236	119	3	the	the	DET
easat-7236	119	4	study	study	NOUN
easat-7236	119	5	revealed	reveal	VERB
easat-7236	119	6	a	a	DET
easat-7236	119	7	positive	positive	ADJ
easat-7236	119	8	attitude	attitude	NOUN
easat-7236	119	9	towards	towards	ADP
easat-7236	119	10	mobile	mobile	ADJ
easat-7236	119	11	phone	phone	NOUN
easat-7236	119	12	payment	payment	NOUN
easat-7236	119	13	contrasted	contrast	VERB
easat-7236	119	14	with	with	ADP
easat-7236	119	15	a	a	DET
easat-7236	119	16	negative	negative	ADJ
easat-7236	119	17	attitude	attitude	NOUN
easat-7236	119	18	rooted	root	VERB
easat-7236	119	19	in	in	ADP
easat-7236	119	20	a	a	DET
easat-7236	119	21	perceived	perceive	VERB
easat-7236	119	22	lack	lack	NOUN
easat-7236	119	23	of	of	ADP
easat-7236	119	24	necessary	necessary	ADJ
easat-7236	119	25	skills	skill	NOUN
easat-7236	119	26	for	for	ADP
easat-7236	119	27	successful	successful	ADJ
easat-7236	119	28	financial	financial	ADJ
easat-7236	119	29	transactions	transaction	NOUN
easat-7236	119	30	.	.	PUNCT
easat-7236	120	1	examining	examine	VERB
easat-7236	120	2	the	the	DET
easat-7236	120	3	bnpl	bnpl	PROPN
easat-7236	120	4	landscape	landscape	NOUN
easat-7236	120	5	in	in	ADP
easat-7236	120	6	their	their	PRON
easat-7236	120	7	paper	paper	NOUN
easat-7236	120	8	loomis	loomis	PROPN
easat-7236	120	9	and	and	CCONJ
easat-7236	120	10	cockayne	cockayne	NOUN
easat-7236	121	1	[	[	X
easat-7236	121	2	4	4	X
easat-7236	121	3	]	]	PUNCT
easat-7236	121	4	developed	develop	VERB
easat-7236	121	5	a	a	DET
easat-7236	121	6	feminist	feminist	ADJ
easat-7236	121	7	framework	framework	NOUN
easat-7236	121	8	for	for	ADP
easat-7236	121	9	fintech	fintech	NOUN
easat-7236	121	10	analysis	analysis	NOUN
easat-7236	121	11	.	.	PUNCT
easat-7236	122	1	their	their	PRON
easat-7236	122	2	findings	finding	NOUN
easat-7236	122	3	clearly	clearly	ADV
easat-7236	122	4	show	show	VERB
easat-7236	122	5	bnpl	bnpl	PROPN
easat-7236	122	6	's	's	PART
easat-7236	122	7	severe	severe	ADJ
easat-7236	122	8	and	and	CCONJ
easat-7236	122	9	predatory	predatory	ADJ
easat-7236	122	10	targeting	targeting	NOUN
easat-7236	122	11	of	of	ADP
easat-7236	122	12	young	young	ADJ
easat-7236	122	13	,	,	PUNCT
easat-7236	122	14	low	low	ADJ
easat-7236	122	15	-	-	PUNCT
easat-7236	122	16	income	income	NOUN
easat-7236	122	17	women	woman	NOUN
easat-7236	122	18	,	,	PUNCT
easat-7236	122	19	which	which	PRON
easat-7236	122	20	exacerbates	exacerbate	VERB
easat-7236	122	21	inequality	inequality	NOUN
easat-7236	122	22	by	by	ADP
easat-7236	122	23	increasing	increase	VERB
easat-7236	122	24	credit	credit	NOUN
easat-7236	122	25	and	and	CCONJ
easat-7236	122	26	debt	debt	NOUN
easat-7236	122	27	.	.	PUNCT
easat-7236	123	1	2	2	X
easat-7236	123	2	.	.	X
easat-7236	123	3	materials	material	NOUN
easat-7236	123	4	and	and	CCONJ
easat-7236	123	5	methods	method	NOUN
easat-7236	123	6	this	this	DET
easat-7236	123	7	study	study	NOUN
easat-7236	123	8	utilizes	utilize	VERB
easat-7236	123	9	two	two	NUM
easat-7236	123	10	main	main	ADJ
easat-7236	123	11	methodologies	methodology	NOUN
easat-7236	123	12	:	:	PUNCT
easat-7236	123	13	systematic	systematic	ADJ
easat-7236	123	14	reviews	review	NOUN
easat-7236	123	15	and	and	CCONJ
easat-7236	123	16	bibliometric	bibliometric	ADJ
easat-7236	123	17	analysis	analysis	NOUN
easat-7236	123	18	.	.	PUNCT
easat-7236	124	1	table	table	NOUN
easat-7236	124	2	1	1	NUM
easat-7236	124	3	.	.	PUNCT
easat-7236	124	4	illustrates	illustrate	VERB
easat-7236	124	5	the	the	DET
easat-7236	124	6	research	research	NOUN
easat-7236	124	7	objectives	objective	NOUN
easat-7236	124	8	.	.	PUNCT
easat-7236	125	1	analysis	analysis	NOUN
easat-7236	125	2	objectives	objective	NOUN
easat-7236	125	3	of	of	ADP
easat-7236	125	4	research	research	NOUN
easat-7236	125	5	methodology	methodology	NOUN
easat-7236	125	6	bibliometric	bibliometric	ADJ
easat-7236	125	7	analysis	analysis	NOUN
easat-7236	125	8	analyze	analyze	VERB
easat-7236	125	9	the	the	DET
easat-7236	125	10	temporal	temporal	ADJ
easat-7236	125	11	shifts	shift	NOUN
easat-7236	125	12	in	in	ADP
easat-7236	125	13	financial	financial	ADJ
easat-7236	125	14	literacy	literacy	NOUN
easat-7236	125	15	and	and	CCONJ
easat-7236	125	16	fintech	fintech	NOUN
easat-7236	125	17	.	.	PUNCT
easat-7236	126	1	publication	publication	NOUN
easat-7236	126	2	trend	trend	NOUN
easat-7236	126	3	evaluate	evaluate	VERB
easat-7236	126	4	and	and	CCONJ
easat-7236	126	5	discover	discover	VERB
easat-7236	126	6	the	the	DET
easat-7236	126	7	highest	highest	ADV
easat-7236	126	8	-	-	PUNCT
easat-7236	126	9	ranking	rank	VERB
easat-7236	126	10	countries	country	NOUN
easat-7236	126	11	,	,	PUNCT
easat-7236	126	12	pivotal	pivotal	ADJ
easat-7236	126	13	publications	publication	NOUN
easat-7236	126	14	,	,	PUNCT
easat-7236	126	15	and	and	CCONJ
easat-7236	126	16	key	key	ADJ
easat-7236	126	17	researchers	researcher	NOUN
easat-7236	126	18	in	in	ADP
easat-7236	126	19	the	the	DET
easat-7236	126	20	area	area	NOUN
easat-7236	126	21	of	of	ADP
easat-7236	126	22	financial	financial	ADJ
easat-7236	126	23	literacy	literacy	NOUN
easat-7236	126	24	and	and	CCONJ
easat-7236	126	25	fintech	fintech	NOUN
easat-7236	126	26	.	.	PUNCT
easat-7236	127	1	citation	citation	NOUN
easat-7236	127	2	analysis	analysis	NOUN
easat-7236	127	3	study	study	VERB
easat-7236	127	4	the	the	DET
easat-7236	127	5	collaborative	collaborative	ADJ
easat-7236	127	6	networks	network	NOUN
easat-7236	127	7	between	between	ADP
easat-7236	127	8	nations	nation	NOUN
easat-7236	127	9	in	in	ADP
easat-7236	127	10	financial	financial	ADJ
easat-7236	127	11	literacy	literacy	NOUN
easat-7236	127	12	and	and	CCONJ
easat-7236	127	13	fintech	fintech	NOUN
easat-7236	127	14	research	research	NOUN
easat-7236	127	15	,	,	PUNCT
easat-7236	127	16	focusing	focus	VERB
easat-7236	127	17	on	on	ADP
easat-7236	127	18	their	their	PRON
easat-7236	127	19	structure	structure	NOUN
easat-7236	127	20	and	and	CCONJ
easat-7236	127	21	patterns	pattern	NOUN
easat-7236	127	22	.	.	PUNCT
easat-7236	128	1	co	co	VERB
easat-7236	128	2	-	-	NOUN
easat-7236	128	3	authorship	authorship	ADJ
easat-7236	128	4	analysis	analysis	NOUN
easat-7236	128	5	of	of	ADP
easat-7236	128	6	countries	country	NOUN
easat-7236	128	7	clarify	clarify	VERB
easat-7236	128	8	the	the	DET
easat-7236	128	9	theoretical	theoretical	ADJ
easat-7236	128	10	foundations	foundation	NOUN
easat-7236	128	11	of	of	ADP
easat-7236	128	12	the	the	DET
easat-7236	128	13	terms	term	NOUN
easat-7236	128	14	used	use	VERB
easat-7236	128	15	in	in	ADP
easat-7236	128	16	financial	financial	ADJ
easat-7236	128	17	literacy	literacy	NOUN
easat-7236	128	18	and	and	CCONJ
easat-7236	128	19	fintech	fintech	NOUN
easat-7236	128	20	co	co	NOUN
easat-7236	128	21	-	-	NOUN
easat-7236	128	22	occurrence	occurrence	ADJ
easat-7236	128	23	analysis	analysis	NOUN
easat-7236	128	24	investigate	investigate	VERB
easat-7236	128	25	the	the	DET
easat-7236	128	26	collaborative	collaborative	ADJ
easat-7236	128	27	relationships	relationship	NOUN
easat-7236	128	28	between	between	ADP
easat-7236	128	29	countries	country	NOUN
easat-7236	128	30	and	and	CCONJ
easat-7236	128	31	the	the	DET
easat-7236	128	32	level	level	NOUN
easat-7236	128	33	of	of	ADP
easat-7236	128	34	shared	share	VERB
easat-7236	128	35	publication	publication	NOUN
easat-7236	128	36	activity	activity	NOUN
easat-7236	128	37	in	in	ADP
easat-7236	128	38	this	this	DET
easat-7236	128	39	field	field	NOUN
easat-7236	128	40	.	.	PUNCT
easat-7236	129	1	bibliographic	bibliographic	ADJ
easat-7236	129	2	coupling	coupling	NOUN
easat-7236	129	3	of	of	ADP
easat-7236	129	4	countries	country	NOUN
easat-7236	129	5	systematic	systematic	ADJ
easat-7236	129	6	review	review	NOUN
easat-7236	129	7	to	to	PART
easat-7236	129	8	uncover	uncover	VERB
easat-7236	129	9	any	any	DET
easat-7236	129	10	trends	trend	NOUN
easat-7236	129	11	related	relate	VERB
easat-7236	129	12	to	to	ADP
easat-7236	129	13	the	the	DET
easat-7236	129	14	sources	source	NOUN
easat-7236	129	15	and	and	CCONJ
easat-7236	129	16	methods	method	NOUN
easat-7236	129	17	used	use	VERB
easat-7236	129	18	to	to	PART
easat-7236	129	19	gain	gain	VERB
easat-7236	129	20	knowledge	knowledge	NOUN
easat-7236	129	21	about	about	ADP
easat-7236	129	22	financial	financial	ADJ
easat-7236	129	23	literacy	literacy	NOUN
easat-7236	129	24	and	and	CCONJ
easat-7236	129	25	fintech	fintech	NOUN
easat-7236	129	26	.	.	PUNCT
easat-7236	130	1	analyzing	analyze	VERB
easat-7236	130	2	citations	citation	NOUN
easat-7236	130	3	of	of	ADP
easat-7236	130	4	influential	influential	ADJ
easat-7236	130	5	papers	paper	NOUN
easat-7236	130	6	.	.	PUNCT
easat-7236	131	1	2.1	2.1	NUM
easat-7236	131	2	.	.	PUNCT
easat-7236	131	3	database	database	NOUN
easat-7236	131	4	for	for	ADP
easat-7236	131	5	the	the	DET
easat-7236	131	6	study	study	NOUN
easat-7236	131	7	–	–	PUNCT
easat-7236	131	8	scopus	scopus	NOUN
easat-7236	131	9	for	for	ADP
easat-7236	131	10	this	this	DET
easat-7236	131	11	study	study	NOUN
easat-7236	131	12	,	,	PUNCT
easat-7236	131	13	the	the	DET
easat-7236	131	14	scopus	scopus	PROPN
easat-7236	131	15	database	database	NOUN
easat-7236	131	16	was	be	AUX
easat-7236	131	17	essential	essential	ADJ
easat-7236	131	18	for	for	ADP
easat-7236	131	19	acquiring	acquire	VERB
easat-7236	131	20	trustworthy	trustworthy	ADJ
easat-7236	131	21	and	and	CCONJ
easat-7236	131	22	authentic	authentic	ADJ
easat-7236	131	23	data	datum	NOUN
easat-7236	131	24	to	to	PART
easat-7236	131	25	achieve	achieve	VERB
easat-7236	131	26	our	our	PRON
easat-7236	131	27	objectives	objective	NOUN
easat-7236	131	28	.	.	PUNCT
easat-7236	132	1	its	its	PRON
easat-7236	132	2	wide	wide	ADJ
easat-7236	132	3	scope	scope	NOUN
easat-7236	132	4	,	,	PUNCT
easat-7236	132	5	rapid	rapid	ADJ
easat-7236	132	6	updates	update	NOUN
easat-7236	132	7	,	,	PUNCT
easat-7236	132	8	and	and	CCONJ
easat-7236	132	9	analytical	analytical	ADJ
easat-7236	132	10	tools	tool	NOUN
easat-7236	132	11	allowed	allow	VERB
easat-7236	132	12	for	for	ADP
easat-7236	132	13	the	the	DET
easat-7236	132	14	inclusion	inclusion	NOUN
easat-7236	132	15	of	of	ADP
easat-7236	132	16	high	high	ADJ
easat-7236	132	17	-	-	PUNCT
easat-7236	132	18	quality	quality	NOUN
easat-7236	132	19	,	,	PUNCT
easat-7236	132	20	peer	peer	NOUN
easat-7236	132	21	-	-	PUNCT
easat-7236	132	22	reviewed	review	VERB
easat-7236	132	23	financial	financial	ADJ
easat-7236	132	24	research	research	NOUN
easat-7236	132	25	during	during	ADP
easat-7236	132	26	data	data	NOUN
easat-7236	132	27	gathering	gathering	NOUN
easat-7236	132	28	[	[	X
easat-7236	132	29	27	27	NUM
easat-7236	132	30	]	]	PUNCT
easat-7236	132	31	.	.	PUNCT
easat-7236	133	1	therefore	therefore	ADV
easat-7236	133	2	,	,	PUNCT
easat-7236	133	3	an	an	DET
easat-7236	133	4	appropriate	appropriate	ADJ
easat-7236	133	5	database	database	NOUN
easat-7236	133	6	is	be	AUX
easat-7236	133	7	paramount	paramount	ADJ
easat-7236	133	8	for	for	ADP
easat-7236	133	9	reliable	reliable	ADJ
easat-7236	133	10	information	information	NOUN
easat-7236	133	11	.	.	PUNCT
easat-7236	134	1	2.2	2.2	NUM
easat-7236	134	2	.	.	PUNCT
easat-7236	134	3	screening	screen	VERB
easat-7236	134	4	parameters	parameter	NOUN
easat-7236	134	5	for	for	ADP
easat-7236	134	6	selecting	select	VERB
easat-7236	134	7	relevant	relevant	ADJ
easat-7236	134	8	research	research	NOUN
easat-7236	134	9	.	.	PUNCT
easat-7236	135	1	the	the	DET
easat-7236	135	2	current	current	ADJ
easat-7236	135	3	research	research	NOUN
easat-7236	135	4	examines	examine	VERB
easat-7236	135	5	the	the	DET
easat-7236	135	6	relationship	relationship	NOUN
easat-7236	135	7	between	between	ADP
easat-7236	135	8	financial	financial	ADJ
easat-7236	135	9	literacy	literacy	NOUN
easat-7236	135	10	and	and	CCONJ
easat-7236	135	11	fintech	fintech	NOUN
easat-7236	135	12	within	within	ADP
easat-7236	135	13	the	the	DET
easat-7236	135	14	period	period	NOUN
easat-7236	135	15	of	of	ADP
easat-7236	135	16	2017	2017	NUM
easat-7236	135	17	to	to	ADP
easat-7236	135	18	2024	2024	NUM
easat-7236	135	19	.	.	PUNCT
easat-7236	136	1	to	to	PART
easat-7236	136	2	identify	identify	VERB
easat-7236	136	3	pertinent	pertinent	ADJ
easat-7236	136	4	publications	publication	NOUN
easat-7236	136	5	,	,	PUNCT
easat-7236	136	6	the	the	DET
easat-7236	136	7	search	search	NOUN
easat-7236	136	8	string	string	NOUN
easat-7236	136	9	"	"	PUNCT
easat-7236	136	10	financial	financial	ADJ
easat-7236	136	11	literacy	literacy	NOUN
easat-7236	136	12	"	"	PUNCT
easat-7236	136	13	or	or	CCONJ
easat-7236	136	14	"	"	PUNCT
easat-7236	136	15	financial	financial	ADJ
easat-7236	136	16	knowledge	knowledge	NOUN
easat-7236	136	17	"	"	PUNCT
easat-7236	136	18	and	and	CCONJ
easat-7236	136	19	"	"	PUNCT
easat-7236	136	20	fintech	fintech	NOUN
easat-7236	136	21	"	"	PUNCT
easat-7236	136	22	or	or	CCONJ
easat-7236	136	23	"	"	PUNCT
easat-7236	136	24	financial	financial	ADJ
easat-7236	136	25	technology	technology	NOUN
easat-7236	136	26	"	"	PUNCT
easat-7236	136	27	or	or	CCONJ
easat-7236	136	28	"	"	PUNCT
easat-7236	136	29	financial	financial	ADJ
easat-7236	136	30	technologies	technology	NOUN
easat-7236	136	31	"	"	PUNCT
easat-7236	136	32	or	or	CCONJ
easat-7236	136	33	1597	1597	NUM
easat-7236	136	34	edelweiss	edelweiss	PROPN
easat-7236	136	35	applied	apply	VERB
easat-7236	136	36	science	science	NOUN
easat-7236	136	37	and	and	CCONJ
easat-7236	136	38	technology	technology	NOUN
easat-7236	136	39	issn	issn	PROPN
easat-7236	136	40	:	:	PUNCT
easat-7236	136	41	2576	2576	NUM
easat-7236	136	42	-	-	SYM
easat-7236	136	43	8484	8484	NUM
easat-7236	136	44	vol	vol	NOUN
easat-7236	136	45	.	.	PROPN
easat-7236	137	1	9	9	NUM
easat-7236	137	2	,	,	PUNCT
easat-7236	137	3	no	no	INTJ
easat-7236	137	4	.	.	NOUN
easat-7236	137	5	5	5	NUM
easat-7236	137	6	:	:	SYM
easat-7236	137	7	1593	1593	NUM
easat-7236	137	8	-	-	SYM
easat-7236	137	9	1609	1609	NUM
easat-7236	137	10	,	,	PUNCT
easat-7236	137	11	2025	2025	NUM
easat-7236	137	12	doi	doi	NOUN
easat-7236	137	13	:	:	PUNCT
easat-7236	137	14	10.55214/25768484.v9i5.7236	10.55214/25768484.v9i5.7236	NUM
easat-7236	137	15	©	©	PROPN
easat-7236	137	16	2025	2025	NUM
easat-7236	137	17	by	by	ADP
easat-7236	137	18	the	the	DET
easat-7236	137	19	authors	author	NOUN
easat-7236	137	20	;	;	PUNCT
easat-7236	137	21	licensee	licensee	PROPN
easat-7236	137	22	learning	learning	NOUN
easat-7236	137	23	gate	gate	NOUN
easat-7236	137	24	"	"	PUNCT
easat-7236	137	25	finance	finance	NOUN
easat-7236	137	26	technology	technology	NOUN
easat-7236	137	27	"	"	PUNCT
easat-7236	137	28	was	be	AUX
easat-7236	137	29	employed	employ	VERB
easat-7236	137	30	.	.	PUNCT
easat-7236	138	1	for	for	ADP
easat-7236	138	2	the	the	DET
easat-7236	138	3	bibliometric	bibliometric	ADJ
easat-7236	138	4	analysis	analysis	NOUN
easat-7236	138	5	presented	present	VERB
easat-7236	138	6	in	in	ADP
easat-7236	138	7	figure	figure	NOUN
easat-7236	138	8	1	1	NUM
easat-7236	138	9	,	,	PUNCT
easat-7236	138	10	fintech	fintech	NOUN
easat-7236	138	11	served	serve	VERB
easat-7236	138	12	as	as	ADP
easat-7236	138	13	the	the	DET
easat-7236	138	14	illustrative	illustrative	ADJ
easat-7236	138	15	example	example	NOUN
easat-7236	138	16	within	within	ADP
easat-7236	138	17	the	the	DET
easat-7236	138	18	domain	domain	NOUN
easat-7236	138	19	of	of	ADP
easat-7236	138	20	financial	financial	ADJ
easat-7236	138	21	literacy	literacy	NOUN
easat-7236	138	22	research	research	NOUN
easat-7236	138	23	.	.	PUNCT
easat-7236	139	1	the	the	DET
easat-7236	139	2	study	study	NOUN
easat-7236	139	3	dataset	dataset	VERB
easat-7236	139	4	,	,	PUNCT
easat-7236	139	5	comprising	comprise	VERB
easat-7236	139	6	330	330	NUM
easat-7236	139	7	documents	document	NOUN
easat-7236	139	8	from	from	ADP
easat-7236	139	9	the	the	DET
easat-7236	139	10	scopus	scopus	PROPN
easat-7236	139	11	database	database	NOUN
easat-7236	139	12	,	,	PUNCT
easat-7236	139	13	was	be	AUX
easat-7236	139	14	obtained	obtain	VERB
easat-7236	139	15	on	on	ADP
easat-7236	139	16	january	january	PROPN
easat-7236	139	17	28	28	NUM
easat-7236	139	18	,	,	PUNCT
easat-7236	139	19	2025	2025	NUM
easat-7236	139	20	.	.	PUNCT
easat-7236	140	1	after	after	ADP
easat-7236	140	2	applying	apply	VERB
easat-7236	140	3	exclusion	exclusion	NOUN
easat-7236	140	4	criteria	criterion	NOUN
easat-7236	140	5	,	,	PUNCT
easat-7236	140	6	130	130	NUM
easat-7236	140	7	documents	document	NOUN
easat-7236	140	8	were	be	AUX
easat-7236	140	9	excluded	exclude	VERB
easat-7236	140	10	,	,	PUNCT
easat-7236	140	11	leaving	leave	VERB
easat-7236	140	12	a	a	DET
easat-7236	140	13	final	final	ADJ
easat-7236	140	14	dataset	dataset	NOUN
easat-7236	140	15	of	of	ADP
easat-7236	140	16	200	200	NUM
easat-7236	140	17	papers	paper	NOUN
easat-7236	140	18	for	for	ADP
easat-7236	140	19	bibliometric	bibliometric	ADJ
easat-7236	140	20	analysis	analysis	NOUN
easat-7236	140	21	.	.	PUNCT
easat-7236	141	1	microsoft	microsoft	PROPN
easat-7236	141	2	excel	excel	PROPN
easat-7236	141	3	was	be	AUX
easat-7236	141	4	used	use	VERB
easat-7236	141	5	for	for	ADP
easat-7236	141	6	additional	additional	ADJ
easat-7236	141	7	filtering	filtering	NOUN
easat-7236	141	8	and	and	CCONJ
easat-7236	141	9	tabulation	tabulation	NOUN
easat-7236	141	10	,	,	PUNCT
easat-7236	141	11	while	while	SCONJ
easat-7236	141	12	r	r	NOUN
easat-7236	141	13	programming	programming	NOUN
easat-7236	141	14	was	be	AUX
easat-7236	141	15	employed	employ	VERB
easat-7236	141	16	to	to	PART
easat-7236	141	17	generate	generate	VERB
easat-7236	141	18	the	the	DET
easat-7236	141	19	network	network	NOUN
easat-7236	141	20	map	map	NOUN
easat-7236	141	21	.	.	PUNCT
easat-7236	142	1	2.3	2.3	NUM
easat-7236	142	2	.	.	PUNCT
easat-7236	143	1	bibliometric	bibliometric	ADJ
easat-7236	143	2	analysis	analysis	NOUN
easat-7236	143	3	this	this	DET
easat-7236	143	4	section	section	NOUN
easat-7236	143	5	primarily	primarily	ADV
easat-7236	143	6	presents	present	VERB
easat-7236	143	7	the	the	DET
easat-7236	143	8	findings	finding	NOUN
easat-7236	143	9	of	of	ADP
easat-7236	143	10	bibliometric	bibliometric	ADJ
easat-7236	143	11	analysis	analysis	NOUN
easat-7236	143	12	approaches	approach	NOUN
easat-7236	143	13	,	,	PUNCT
easat-7236	143	14	which	which	PRON
easat-7236	143	15	were	be	AUX
easat-7236	143	16	applied	apply	VERB
easat-7236	143	17	to	to	ADP
easat-7236	143	18	a	a	DET
easat-7236	143	19	significant	significant	ADJ
easat-7236	143	20	number	number	NOUN
easat-7236	143	21	of	of	ADP
easat-7236	143	22	articles	article	NOUN
easat-7236	143	23	to	to	PART
easat-7236	143	24	determine	determine	VERB
easat-7236	143	25	the	the	DET
easat-7236	143	26	most	most	ADV
easat-7236	143	27	prevalent	prevalent	ADJ
easat-7236	143	28	topics	topic	NOUN
easat-7236	143	29	in	in	ADP
easat-7236	143	30	the	the	DET
easat-7236	143	31	literature	literature	NOUN
easat-7236	143	32	on	on	ADP
easat-7236	143	33	financial	financial	ADJ
easat-7236	143	34	literacy	literacy	NOUN
easat-7236	143	35	and	and	CCONJ
easat-7236	143	36	fintech	fintech	NOUN
easat-7236	143	37	.	.	PUNCT
easat-7236	144	1	2.4	2.4	NUM
easat-7236	144	2	.	.	PUNCT
easat-7236	145	1	descriptive	descriptive	ADJ
easat-7236	145	2	analysis	analysis	NOUN
easat-7236	145	3	to	to	PART
easat-7236	145	4	understand	understand	VERB
easat-7236	145	5	the	the	DET
easat-7236	145	6	current	current	ADJ
easat-7236	145	7	direction	direction	NOUN
easat-7236	145	8	of	of	ADP
easat-7236	145	9	financial	financial	ADJ
easat-7236	145	10	literacy	literacy	NOUN
easat-7236	145	11	and	and	CCONJ
easat-7236	145	12	fintech	fintech	NOUN
easat-7236	145	13	research	research	NOUN
easat-7236	145	14	,	,	PUNCT
easat-7236	145	15	a	a	DET
easat-7236	145	16	comprehensive	comprehensive	ADJ
easat-7236	145	17	descriptive	descriptive	ADJ
easat-7236	145	18	analysis	analysis	NOUN
easat-7236	145	19	was	be	AUX
easat-7236	145	20	performed	perform	VERB
easat-7236	145	21	,	,	PUNCT
easat-7236	145	22	detailing	detail	VERB
easat-7236	145	23	publication	publication	NOUN
easat-7236	145	24	and	and	CCONJ
easat-7236	145	25	citation	citation	NOUN
easat-7236	145	26	trends	trend	NOUN
easat-7236	145	27	and	and	CCONJ
easat-7236	145	28	evaluating	evaluate	VERB
easat-7236	145	29	the	the	DET
easat-7236	145	30	work	work	NOUN
easat-7236	145	31	of	of	ADP
easat-7236	145	32	significant	significant	ADJ
easat-7236	145	33	authors	author	NOUN
easat-7236	145	34	,	,	PUNCT
easat-7236	145	35	prominent	prominent	ADJ
easat-7236	145	36	journals	journal	NOUN
easat-7236	145	37	,	,	PUNCT
easat-7236	145	38	and	and	CCONJ
easat-7236	145	39	major	major	ADJ
easat-7236	145	40	contributing	contribute	VERB
easat-7236	145	41	countries	country	NOUN
easat-7236	145	42	.	.	PUNCT
easat-7236	146	1	1598	1598	NUM
easat-7236	146	2	edelweiss	edelweiss	PROPN
easat-7236	146	3	applied	apply	VERB
easat-7236	146	4	science	science	NOUN
easat-7236	146	5	and	and	CCONJ
easat-7236	146	6	technology	technology	NOUN
easat-7236	146	7	issn	issn	PROPN
easat-7236	146	8	:	:	PUNCT
easat-7236	146	9	2576	2576	NUM
easat-7236	146	10	-	-	SYM
easat-7236	146	11	8484	8484	NUM
easat-7236	146	12	vol	vol	NOUN
easat-7236	146	13	.	.	PROPN
easat-7236	147	1	9	9	NUM
easat-7236	147	2	,	,	PUNCT
easat-7236	147	3	no	no	INTJ
easat-7236	147	4	.	.	NOUN
easat-7236	147	5	5	5	NUM
easat-7236	147	6	:	:	SYM
easat-7236	147	7	1593	1593	NUM
easat-7236	147	8	-	-	SYM
easat-7236	147	9	1609	1609	NUM
easat-7236	147	10	,	,	PUNCT
easat-7236	147	11	2025	2025	NUM
easat-7236	147	12	doi	doi	NOUN
easat-7236	147	13	:	:	PUNCT
easat-7236	147	14	10.55214/25768484.v9i5.7236	10.55214/25768484.v9i5.7236	NUM
easat-7236	147	15	©	©	PROPN
easat-7236	147	16	2025	2025	NUM
easat-7236	147	17	by	by	ADP
easat-7236	147	18	the	the	DET
easat-7236	147	19	authors	author	NOUN
easat-7236	147	20	;	;	PUNCT
easat-7236	147	21	licensee	licensee	PROPN
easat-7236	147	22	learning	learn	VERB
easat-7236	147	23	gate	gate	NOUN
easat-7236	147	24	figure	figure	NOUN
easat-7236	147	25	1	1	NUM
easat-7236	147	26	.	.	PUNCT
easat-7236	148	1	showing	show	VERB
easat-7236	148	2	the	the	DET
easat-7236	148	3	architecture	architecture	NOUN
easat-7236	148	4	of	of	ADP
easat-7236	148	5	the	the	DET
easat-7236	148	6	study	study	NOUN
easat-7236	148	7	.	.	PUNCT
easat-7236	149	1	1599	1599	NUM
easat-7236	149	2	edelweiss	edelweiss	PROPN
easat-7236	149	3	applied	apply	VERB
easat-7236	149	4	science	science	NOUN
easat-7236	149	5	and	and	CCONJ
easat-7236	149	6	technology	technology	NOUN
easat-7236	149	7	issn	issn	PROPN
easat-7236	149	8	:	:	PUNCT
easat-7236	149	9	2576	2576	NUM
easat-7236	149	10	-	-	SYM
easat-7236	149	11	8484	8484	NUM
easat-7236	149	12	vol	vol	NOUN
easat-7236	149	13	.	.	PROPN
easat-7236	150	1	9	9	NUM
easat-7236	150	2	,	,	PUNCT
easat-7236	150	3	no	no	INTJ
easat-7236	150	4	.	.	NOUN
easat-7236	150	5	5	5	NUM
easat-7236	150	6	:	:	SYM
easat-7236	150	7	1593	1593	NUM
easat-7236	150	8	-	-	SYM
easat-7236	150	9	1609	1609	NUM
easat-7236	150	10	,	,	PUNCT
easat-7236	150	11	2025	2025	NUM
easat-7236	150	12	doi	doi	NOUN
easat-7236	150	13	:	:	PUNCT
easat-7236	150	14	10.55214/25768484.v9i5.7236	10.55214/25768484.v9i5.7236	NUM
easat-7236	150	15	©	©	PROPN
easat-7236	150	16	2025	2025	NUM
easat-7236	150	17	by	by	ADP
easat-7236	150	18	the	the	DET
easat-7236	150	19	authors	author	NOUN
easat-7236	150	20	;	;	PUNCT
easat-7236	150	21	licensee	licensee	PROPN
easat-7236	150	22	learning	learning	NOUN
easat-7236	150	23	gate	gate	NOUN
easat-7236	150	24	3	3	PROPN
easat-7236	150	25	.	.	PUNCT
easat-7236	150	26	results	result	NOUN
easat-7236	150	27	3.1	3.1	NUM
easat-7236	150	28	.	.	PUNCT
easat-7236	150	29	annual	annual	ADJ
easat-7236	150	30	publication	publication	NOUN
easat-7236	150	31	trend	trend	NOUN
easat-7236	150	32	researchers	researcher	NOUN
easat-7236	150	33	provide	provide	VERB
easat-7236	150	34	a	a	DET
easat-7236	150	35	comprehensive	comprehensive	ADJ
easat-7236	150	36	assessment	assessment	NOUN
easat-7236	150	37	of	of	ADP
easat-7236	150	38	the	the	DET
easat-7236	150	39	development	development	NOUN
easat-7236	150	40	,	,	PUNCT
easat-7236	150	41	advancement	advancement	NOUN
easat-7236	150	42	,	,	PUNCT
easat-7236	150	43	and	and	CCONJ
easat-7236	150	44	recurring	recur	VERB
easat-7236	150	45	themes	theme	NOUN
easat-7236	150	46	in	in	ADP
easat-7236	150	47	studies	study	NOUN
easat-7236	150	48	focusing	focus	VERB
easat-7236	150	49	on	on	ADP
easat-7236	150	50	financial	financial	ADJ
easat-7236	150	51	literacy	literacy	NOUN
easat-7236	150	52	and	and	CCONJ
easat-7236	150	53	fintech	fintech	NOUN
easat-7236	150	54	through	through	ADP
easat-7236	150	55	their	their	PRON
easat-7236	150	56	yearly	yearly	ADJ
easat-7236	150	57	research	research	NOUN
easat-7236	150	58	publications	publication	NOUN
easat-7236	150	59	.	.	PUNCT
easat-7236	151	1	figure	figure	NOUN
easat-7236	151	2	2	2	NUM
easat-7236	151	3	illustrates	illustrate	VERB
easat-7236	151	4	the	the	DET
easat-7236	151	5	quantity	quantity	NOUN
easat-7236	151	6	of	of	ADP
easat-7236	151	7	publications	publication	NOUN
easat-7236	151	8	from	from	ADP
easat-7236	151	9	2017	2017	NUM
easat-7236	151	10	to	to	ADP
easat-7236	151	11	2024	2024	NUM
easat-7236	151	12	.	.	PUNCT
easat-7236	152	1	between	between	ADP
easat-7236	152	2	2017	2017	NUM
easat-7236	152	3	and	and	CCONJ
easat-7236	152	4	2020	2020	NUM
easat-7236	152	5	,	,	PUNCT
easat-7236	152	6	a	a	DET
easat-7236	152	7	total	total	NOUN
easat-7236	152	8	of	of	ADP
easat-7236	152	9	ten	ten	NUM
easat-7236	152	10	publications	publication	NOUN
easat-7236	152	11	on	on	ADP
easat-7236	152	12	financial	financial	ADJ
easat-7236	152	13	literacy	literacy	NOUN
easat-7236	152	14	and	and	CCONJ
easat-7236	152	15	fintech	fintech	NOUN
easat-7236	152	16	appeared	appear	VERB
easat-7236	152	17	,	,	PUNCT
easat-7236	152	18	with	with	ADP
easat-7236	152	19	no	no	DET
easat-7236	152	20	significant	significant	ADJ
easat-7236	152	21	publishing	publishing	NOUN
easat-7236	152	22	trends	trend	NOUN
easat-7236	152	23	observed	observe	VERB
easat-7236	152	24	in	in	ADP
easat-7236	152	25	2019	2019	NUM
easat-7236	152	26	.	.	PUNCT
easat-7236	153	1	subsequently	subsequently	ADV
easat-7236	153	2	,	,	PUNCT
easat-7236	153	3	publications	publication	NOUN
easat-7236	153	4	in	in	ADP
easat-7236	153	5	this	this	DET
easat-7236	153	6	area	area	NOUN
easat-7236	153	7	gained	gain	VERB
easat-7236	153	8	prominence	prominence	NOUN
easat-7236	153	9	.	.	PUNCT
easat-7236	154	1	this	this	PRON
easat-7236	154	2	indicates	indicate	VERB
easat-7236	154	3	a	a	DET
easat-7236	154	4	recent	recent	ADJ
easat-7236	154	5	surge	surge	NOUN
easat-7236	154	6	in	in	ADP
easat-7236	154	7	research	research	NOUN
easat-7236	154	8	attention	attention	NOUN
easat-7236	154	9	towards	towards	ADP
easat-7236	154	10	fintech	fintech	NOUN
easat-7236	154	11	and	and	CCONJ
easat-7236	154	12	financial	financial	ADJ
easat-7236	154	13	literacy	literacy	NOUN
easat-7236	154	14	,	,	PUNCT
easat-7236	154	15	particularly	particularly	ADV
easat-7236	154	16	evident	evident	ADJ
easat-7236	154	17	in	in	ADP
easat-7236	154	18	2021	2021	NUM
easat-7236	154	19	.	.	PUNCT
easat-7236	155	1	from	from	ADP
easat-7236	155	2	2021	2021	NUM
easat-7236	155	3	to	to	ADP
easat-7236	155	4	2024	2024	NUM
easat-7236	155	5	,	,	PUNCT
easat-7236	155	6	190	190	NUM
easat-7236	155	7	articles	article	NOUN
easat-7236	155	8	were	be	AUX
easat-7236	155	9	published	publish	VERB
easat-7236	155	10	.	.	PUNCT
easat-7236	156	1	the	the	DET
easat-7236	156	2	covid-19	covid-19	PROPN
easat-7236	156	3	pandemic	pandemic	NOUN
easat-7236	156	4	significantly	significantly	ADV
easat-7236	156	5	influenced	influence	VERB
easat-7236	156	6	both	both	DET
easat-7236	156	7	people	people	NOUN
easat-7236	156	8	's	's	PART
easat-7236	156	9	financial	financial	ADJ
easat-7236	156	10	literacy	literacy	NOUN
easat-7236	156	11	and	and	CCONJ
easat-7236	156	12	the	the	DET
easat-7236	156	13	role	role	NOUN
easat-7236	156	14	of	of	ADP
easat-7236	156	15	fintech	fintech	NOUN
easat-7236	156	16	in	in	ADP
easat-7236	156	17	their	their	PRON
easat-7236	156	18	lives	life	NOUN
easat-7236	156	19	.	.	PUNCT
easat-7236	157	1	overall	overall	ADV
easat-7236	157	2	,	,	PUNCT
easat-7236	157	3	the	the	DET
easat-7236	157	4	annual	annual	ADJ
easat-7236	157	5	volume	volume	NOUN
easat-7236	157	6	of	of	ADP
easat-7236	157	7	research	research	NOUN
easat-7236	157	8	on	on	ADP
easat-7236	157	9	financial	financial	ADJ
easat-7236	157	10	literacy	literacy	NOUN
easat-7236	157	11	and	and	CCONJ
easat-7236	157	12	fintech	fintech	NOUN
easat-7236	157	13	shows	show	VERB
easat-7236	157	14	a	a	DET
easat-7236	157	15	clear	clear	ADJ
easat-7236	157	16	and	and	CCONJ
easat-7236	157	17	steady	steady	ADJ
easat-7236	157	18	upward	upward	ADJ
easat-7236	157	19	trend	trend	NOUN
easat-7236	157	20	over	over	ADP
easat-7236	157	21	time	time	NOUN
easat-7236	157	22	.	.	PUNCT
easat-7236	158	1	figure	figure	NOUN
easat-7236	158	2	2	2	NUM
easat-7236	158	3	.	.	PUNCT
easat-7236	158	4	annual	annual	ADJ
easat-7236	158	5	publication	publication	NOUN
easat-7236	158	6	trend	trend	NOUN
easat-7236	158	7	(	(	PUNCT
easat-7236	158	8	2017	2017	NUM
easat-7236	158	9	-	-	SYM
easat-7236	158	10	2024	2024	NUM
easat-7236	158	11	)	)	PUNCT
easat-7236	158	12	.	.	PUNCT
easat-7236	159	1	3.2	3.2	NUM
easat-7236	159	2	.	.	PUNCT
easat-7236	159	3	leading	lead	VERB
easat-7236	159	4	countries	country	NOUN
easat-7236	159	5	with	with	ADP
easat-7236	159	6	total	total	ADJ
easat-7236	159	7	publication	publication	NOUN
easat-7236	159	8	indonesia	indonesia	PROPN
easat-7236	159	9	conducted	conduct	VERB
easat-7236	159	10	a	a	DET
easat-7236	159	11	significant	significant	ADJ
easat-7236	159	12	amount	amount	NOUN
easat-7236	159	13	of	of	ADP
easat-7236	159	14	financial	financial	ADJ
easat-7236	159	15	literacy	literacy	NOUN
easat-7236	159	16	and	and	CCONJ
easat-7236	159	17	fintech	fintech	NOUN
easat-7236	159	18	research	research	NOUN
easat-7236	159	19	from	from	ADP
easat-7236	159	20	2017	2017	NUM
easat-7236	159	21	to	to	ADP
easat-7236	159	22	2024	2024	NUM
easat-7236	159	23	,	,	PUNCT
easat-7236	159	24	publishing	publish	VERB
easat-7236	159	25	144	144	NUM
easat-7236	159	26	papers	paper	NOUN
easat-7236	159	27	,	,	PUNCT
easat-7236	159	28	the	the	DET
easat-7236	159	29	highest	high	ADJ
easat-7236	159	30	among	among	ADP
easat-7236	159	31	all	all	DET
easat-7236	159	32	countries	country	NOUN
easat-7236	159	33	.	.	PUNCT
easat-7236	160	1	india	india	PROPN
easat-7236	160	2	was	be	AUX
easat-7236	160	3	the	the	DET
easat-7236	160	4	second	second	ADJ
easat-7236	160	5	most	most	ADV
easat-7236	160	6	active	active	ADJ
easat-7236	160	7	with	with	ADP
easat-7236	160	8	83	83	NUM
easat-7236	160	9	articles	article	NOUN
easat-7236	160	10	,	,	PUNCT
easat-7236	160	11	and	and	CCONJ
easat-7236	160	12	china	china	PROPN
easat-7236	160	13	ranked	rank	VERB
easat-7236	160	14	third	third	ADV
easat-7236	160	15	with	with	ADP
easat-7236	160	16	59	59	NUM
easat-7236	160	17	.	.	PUNCT
easat-7236	161	1	these	these	DET
easat-7236	161	2	top	top	ADV
easat-7236	161	3	-	-	PUNCT
easat-7236	161	4	performing	perform	VERB
easat-7236	161	5	nations	nation	NOUN
easat-7236	161	6	in	in	ADP
easat-7236	161	7	fintech	fintech	NOUN
easat-7236	161	8	innovation	innovation	NOUN
easat-7236	161	9	and	and	CCONJ
easat-7236	161	10	financial	financial	ADJ
easat-7236	161	11	literacy	literacy	NOUN
easat-7236	161	12	research	research	NOUN
easat-7236	161	13	are	be	AUX
easat-7236	161	14	depicted	depict	VERB
easat-7236	161	15	in	in	ADP
easat-7236	161	16	figure	figure	NOUN
easat-7236	161	17	3	3	NUM
easat-7236	161	18	.	.	SYM
easat-7236	161	19	1600	1600	NUM
easat-7236	161	20	edelweiss	edelweiss	PROPN
easat-7236	161	21	applied	apply	VERB
easat-7236	161	22	science	science	NOUN
easat-7236	161	23	and	and	CCONJ
easat-7236	161	24	technology	technology	NOUN
easat-7236	161	25	issn	issn	PROPN
easat-7236	161	26	:	:	PUNCT
easat-7236	161	27	2576	2576	NUM
easat-7236	161	28	-	-	SYM
easat-7236	161	29	8484	8484	NUM
easat-7236	161	30	vol	vol	NOUN
easat-7236	161	31	.	.	PROPN
easat-7236	162	1	9	9	NUM
easat-7236	162	2	,	,	PUNCT
easat-7236	162	3	no	no	INTJ
easat-7236	162	4	.	.	NOUN
easat-7236	162	5	5	5	NUM
easat-7236	162	6	:	:	SYM
easat-7236	162	7	1593	1593	NUM
easat-7236	162	8	-	-	SYM
easat-7236	162	9	1609	1609	NUM
easat-7236	162	10	,	,	PUNCT
easat-7236	162	11	2025	2025	NUM
easat-7236	162	12	doi	doi	NOUN
easat-7236	162	13	:	:	PUNCT
easat-7236	162	14	10.55214/25768484.v9i5.7236	10.55214/25768484.v9i5.7236	NUM
easat-7236	162	15	©	©	PROPN
easat-7236	162	16	2025	2025	NUM
easat-7236	162	17	by	by	ADP
easat-7236	162	18	the	the	DET
easat-7236	162	19	authors	author	NOUN
easat-7236	162	20	;	;	PUNCT
easat-7236	162	21	licensee	licensee	PROPN
easat-7236	162	22	learning	learn	VERB
easat-7236	162	23	gate	gate	PROPN
easat-7236	162	24	figure	figure	NOUN
easat-7236	162	25	3	3	NUM
easat-7236	162	26	.	.	PUNCT
easat-7236	162	27	leading	lead	VERB
easat-7236	162	28	countries	country	NOUN
easat-7236	162	29	(	(	PUNCT
easat-7236	162	30	2017	2017	NUM
easat-7236	162	31	-	-	SYM
easat-7236	162	32	2024	2024	NUM
easat-7236	162	33	)	)	PUNCT
easat-7236	162	34	.	.	PUNCT
easat-7236	163	1	3.3	3.3	NUM
easat-7236	163	2	.	.	PUNCT
easat-7236	164	1	top	top	ADJ
easat-7236	164	2	nations	nation	NOUN
easat-7236	164	3	with	with	ADP
easat-7236	164	4	total	total	ADJ
easat-7236	164	5	citation	citation	NOUN
easat-7236	164	6	the	the	DET
easat-7236	164	7	most	most	ADV
easat-7236	164	8	cited	cite	VERB
easat-7236	164	9	country	country	NOUN
easat-7236	164	10	in	in	ADP
easat-7236	164	11	the	the	DET
easat-7236	164	12	research	research	NOUN
easat-7236	164	13	on	on	ADP
easat-7236	164	14	financial	financial	ADJ
easat-7236	164	15	literacy	literacy	NOUN
easat-7236	164	16	and	and	CCONJ
easat-7236	164	17	fintech	fintech	NOUN
easat-7236	164	18	was	be	AUX
easat-7236	164	19	nigeria	nigeria	PROPN
easat-7236	164	20	(	(	PUNCT
easat-7236	164	21	202	202	NUM
easat-7236	164	22	citations	citation	NOUN
easat-7236	164	23	)	)	PUNCT
easat-7236	164	24	,	,	PUNCT
easat-7236	164	25	with	with	ADP
easat-7236	164	26	germany	germany	PROPN
easat-7236	164	27	(	(	PUNCT
easat-7236	164	28	198	198	NUM
easat-7236	164	29	)	)	PUNCT
easat-7236	164	30	and	and	CCONJ
easat-7236	164	31	lebanon	lebanon	PROPN
easat-7236	164	32	(	(	PUNCT
easat-7236	164	33	119	119	NUM
easat-7236	164	34	)	)	PUNCT
easat-7236	164	35	ranking	rank	VERB
easat-7236	164	36	second	second	ADJ
easat-7236	164	37	and	and	CCONJ
easat-7236	164	38	third	third	ADJ
easat-7236	164	39	,	,	PUNCT
easat-7236	164	40	respectively	respectively	ADV
easat-7236	164	41	.	.	PUNCT
easat-7236	165	1	this	this	DET
easat-7236	165	2	highlights	highlight	VERB
easat-7236	165	3	the	the	DET
easat-7236	165	4	significant	significant	ADJ
easat-7236	165	5	research	research	NOUN
easat-7236	165	6	contributions	contribution	NOUN
easat-7236	165	7	from	from	ADP
easat-7236	165	8	emerging	emerge	VERB
easat-7236	165	9	economies	economy	NOUN
easat-7236	165	10	.	.	PUNCT
easat-7236	166	1	figure	figure	VERB
easat-7236	166	2	4	4	NUM
easat-7236	166	3	visually	visually	ADV
easat-7236	166	4	represents	represent	VERB
easat-7236	166	5	the	the	DET
easat-7236	166	6	leading	lead	VERB
easat-7236	166	7	countries	country	NOUN
easat-7236	166	8	based	base	VERB
easat-7236	166	9	on	on	ADP
easat-7236	166	10	the	the	DET
easat-7236	166	11	total	total	ADJ
easat-7236	166	12	citations	citation	NOUN
easat-7236	166	13	in	in	ADP
easat-7236	166	14	this	this	DET
easat-7236	166	15	field	field	NOUN
easat-7236	166	16	.	.	PUNCT
easat-7236	167	1	figure	figure	NOUN
easat-7236	167	2	4	4	NUM
easat-7236	167	3	.	.	PUNCT
easat-7236	167	4	top	top	ADJ
easat-7236	167	5	nations	nation	NOUN
easat-7236	167	6	with	with	ADP
easat-7236	167	7	total	total	ADJ
easat-7236	167	8	citations	citation	NOUN
easat-7236	167	9	(	(	PUNCT
easat-7236	167	10	2017	2017	NUM
easat-7236	167	11	-	-	SYM
easat-7236	167	12	2024	2024	NUM
easat-7236	167	13	)	)	PUNCT
easat-7236	167	14	.	.	PUNCT
easat-7236	168	1	source	source	NOUN
easat-7236	168	2	:	:	PUNCT
easat-7236	168	3	scopus	scopus	PROPN
easat-7236	168	4	database	database	NOUN
easat-7236	168	5	.	.	PUNCT
easat-7236	168	6	0	0	NUM
easat-7236	169	1	20	20	NUM
easat-7236	169	2	40	40	NUM
easat-7236	169	3	60	60	NUM
easat-7236	169	4	80	80	NUM
easat-7236	169	5	100	100	NUM
easat-7236	169	6	120	120	NUM
easat-7236	169	7	140	140	NUM
easat-7236	169	8	160	160	NUM
easat-7236	169	9	in	in	ADP
easat-7236	169	10	d	d	X
easat-7236	169	11	o	o	NOUN
easat-7236	169	12	n	n	ADV
easat-7236	169	13	es	es	X
easat-7236	169	14	ia	ia	PROPN
easat-7236	169	15	in	in	ADP
easat-7236	169	16	d	d	PROPN
easat-7236	169	17	ia	ia	PROPN
easat-7236	169	18	c	c	PROPN
easat-7236	169	19	h	h	PROPN
easat-7236	169	20	in	in	ADP
easat-7236	169	21	a	a	DET
easat-7236	169	22	m	m	NOUN
easat-7236	169	23	a	a	DET
easat-7236	169	24	la	la	X
easat-7236	169	25	ys	ys	PROPN
easat-7236	169	26	ia	ia	PROPN
easat-7236	170	1	jo	jo	PROPN
easat-7236	170	2	r	r	PROPN
easat-7236	170	3	d	d	PROPN
easat-7236	170	4	a	a	NOUN
easat-7236	170	5	n	n	NUM
easat-7236	170	6	u	u	NOUN
easat-7236	170	7	sa	sa	PROPN
easat-7236	170	8	a	a	DET
easat-7236	170	9	u	u	NOUN
easat-7236	170	10	st	st	PROPN
easat-7236	170	11	r	r	PROPN
easat-7236	170	12	a	a	DET
easat-7236	170	13	li	li	NOUN
easat-7236	170	14	a	a	DET
easat-7236	170	15	it	it	PRON
easat-7236	170	16	a	a	DET
easat-7236	170	17	ly	ly	X
easat-7236	170	18	u	u	NOUN
easat-7236	170	19	n	n	ADV
easat-7236	170	20	it	it	PRON
easat-7236	170	21	ed	ed	VERB
easat-7236	170	22	a	a	DET
easat-7236	170	23	r	r	NOUN
easat-7236	170	24	a	a	DET
easat-7236	170	25	b	b	NOUN
easat-7236	170	26	…	…	PUNCT
easat-7236	170	27	h	h	NOUN
easat-7236	170	28	u	u	NOUN
easat-7236	170	29	n	n	CCONJ
easat-7236	170	30	g	g	NOUN
easat-7236	170	31	a	a	DET
easat-7236	170	32	r	r	NOUN
easat-7236	170	33	y	y	NOUN
easat-7236	170	34	u	u	NOUN
easat-7236	170	35	k	k	PROPN
easat-7236	170	36	b	b	PROPN
easat-7236	170	37	a	a	PRON
easat-7236	170	38	n	n	NOUN
easat-7236	170	39	g	g	NOUN
easat-7236	170	40	la	la	NOUN
easat-7236	170	41	d	d	NOUN
easat-7236	170	42	es	es	X
easat-7236	170	43	h	h	PROPN
easat-7236	170	44	fi	fi	NOUN
easat-7236	170	45	n	n	CCONJ
easat-7236	170	46	la	la	NOUN
easat-7236	170	47	n	n	PROPN
easat-7236	171	1	d	d	NOUN
easat-7236	171	2	g	g	PROPN
easat-7236	171	3	er	er	INTJ
easat-7236	171	4	m	m	VERB
easat-7236	171	5	a	a	PRON
easat-7236	171	6	n	n	ADV
easat-7236	171	7	y	y	NOUN
easat-7236	171	8	p	p	NOUN
easat-7236	172	1	a	a	DET
easat-7236	172	2	k	k	NOUN
easat-7236	172	3	is	be	AUX
easat-7236	172	4	ta	ta	ADP
easat-7236	172	5	n	n	CCONJ
easat-7236	172	6	u	u	X
easat-7236	173	1	k	k	PROPN
easat-7236	173	2	r	r	NOUN
easat-7236	173	3	a	a	PRON
easat-7236	173	4	in	in	ADP
easat-7236	173	5	e	e	PROPN
easat-7236	173	6	p	p	X
easat-7236	173	7	er	er	INTJ
easat-7236	173	8	u	u	NOUN
easat-7236	173	9	so	so	SCONJ
easat-7236	173	10	u	u	PRON
easat-7236	173	11	th	th	X
easat-7236	173	12	a	a	DET
easat-7236	173	13	fr	fr	INTJ
easat-7236	173	14	ic	ic	PROPN
easat-7236	174	1	a	a	DET
easat-7236	174	2	g	g	NOUN
easat-7236	174	3	r	r	NOUN
easat-7236	174	4	ee	ee	NOUN
easat-7236	174	5	c	c	NOUN
easat-7236	174	6	e	e	PROPN
easat-7236	174	7	sa	sa	PROPN
easat-7236	174	8	u	u	PROPN
easat-7236	175	1	d	d	NOUN
easat-7236	175	2	i	i	PRON
easat-7236	175	3	a	a	DET
easat-7236	175	4	r	r	NOUN
easat-7236	175	5	a	a	DET
easat-7236	175	6	b	b	X
easat-7236	175	7	ia	ia	PROPN
easat-7236	175	8	n	n	ADP
easat-7236	175	9	et	et	NOUN
easat-7236	175	10	h	h	NOUN
easat-7236	175	11	er	er	INTJ
easat-7236	175	12	la	la	PROPN
easat-7236	175	13	n	n	PROPN
easat-7236	175	14	d	d	PROPN
easat-7236	175	15	s	s	PART
easat-7236	175	16	n	n	ADV
easat-7236	175	17	ig	ig	PROPN
easat-7236	175	18	er	er	INTJ
easat-7236	175	19	ia	ia	PROPN
easat-7236	175	20	r	r	NOUN
easat-7236	175	21	o	o	NOUN
easat-7236	175	22	m	m	VERB
easat-7236	175	23	a	a	PRON
easat-7236	175	24	n	n	X
easat-7236	175	25	ia	ia	NOUN
easat-7236	175	26	sp	sp	ADP
easat-7236	175	27	a	a	PRON
easat-7236	175	28	in	in	ADP
easat-7236	176	1	so	so	ADV
easat-7236	176	2	u	u	PRON
easat-7236	176	3	th	th	X
easat-7236	176	4	k	k	NOUN
easat-7236	176	5	o	o	NOUN
easat-7236	176	6	r	r	NOUN
easat-7236	176	7	ea	ea	NOUN
easat-7236	176	8	leading	lead	VERB
easat-7236	176	9	countries	country	NOUN
easat-7236	176	10	0.00	0.00	NUM
easat-7236	176	11	50.00	50.00	NUM
easat-7236	176	12	100.00	100.00	NUM
easat-7236	176	13	150.00	150.00	NUM
easat-7236	176	14	200.00	200.00	NUM
easat-7236	176	15	250.00	250.00	NUM
easat-7236	176	16	n	n	PRON
easat-7236	176	17	ig	ig	PROPN
easat-7236	176	18	er	er	INTJ
easat-7236	176	19	ia	ia	PROPN
easat-7236	176	20	g	g	PROPN
easat-7236	176	21	er	er	INTJ
easat-7236	176	22	m	m	VERB
easat-7236	176	23	a	a	PRON
easat-7236	176	24	n	n	ADV
easat-7236	176	25	y	y	PROPN
easat-7236	176	26	le	le	PROPN
easat-7236	176	27	b	b	PROPN
easat-7236	176	28	a	a	PRON
easat-7236	176	29	n	n	NOUN
easat-7236	176	30	o	o	NOUN
easat-7236	176	31	n	n	CCONJ
easat-7236	176	32	fi	fi	NOUN
easat-7236	176	33	n	n	CCONJ
easat-7236	176	34	la	la	NOUN
easat-7236	176	35	n	n	PROPN
easat-7236	177	1	d	d	NOUN
easat-7236	177	2	g	g	PROPN
easat-7236	177	3	r	r	NOUN
easat-7236	177	4	ee	ee	NOUN
easat-7236	177	5	c	c	NOUN
easat-7236	177	6	e	e	NOUN
easat-7236	177	7	sp	sp	ADP
easat-7236	177	8	a	a	PRON
easat-7236	177	9	in	in	ADP
easat-7236	177	10	a	a	DET
easat-7236	177	11	u	u	NOUN
easat-7236	177	12	st	st	PROPN
easat-7236	177	13	r	r	PROPN
easat-7236	177	14	a	a	DET
easat-7236	177	15	li	li	PROPN
easat-7236	177	16	a	a	DET
easat-7236	177	17	h	h	NOUN
easat-7236	177	18	u	u	NOUN
easat-7236	177	19	n	n	ADV
easat-7236	177	20	g	g	NOUN
easat-7236	177	21	a	a	DET
easat-7236	177	22	r	r	NOUN
easat-7236	177	23	y	y	PROPN
easat-7236	177	24	u	u	NOUN
easat-7236	177	25	n	n	ADV
easat-7236	177	26	it	it	PRON
easat-7236	177	27	ed	ed	VERB
easat-7236	178	1	a	a	DET
easat-7236	178	2	r	r	NOUN
easat-7236	178	3	a	a	DET
easat-7236	178	4	b	b	NOUN
easat-7236	178	5	…	…	PUNCT
easat-7236	178	6	u	u	NOUN
easat-7236	178	7	sa	sa	NOUN
easat-7236	178	8	jo	jo	PROPN
easat-7236	178	9	r	r	PROPN
easat-7236	179	1	d	d	PROPN
easat-7236	179	2	a	a	PRON
easat-7236	179	3	n	n	INTJ
easat-7236	179	4	th	th	X
easat-7236	179	5	a	a	DET
easat-7236	179	6	il	il	PROPN
easat-7236	179	7	a	a	DET
easat-7236	179	8	n	n	NOUN
easat-7236	179	9	d	d	NOUN
easat-7236	179	10	c	c	NOUN
easat-7236	179	11	h	h	NOUN
easat-7236	179	12	in	in	ADP
easat-7236	179	13	a	a	DET
easat-7236	179	14	so	so	ADV
easat-7236	179	15	u	u	PRON
easat-7236	179	16	th	th	X
easat-7236	179	17	a	a	PRON
easat-7236	179	18	fr	fr	INTJ
easat-7236	180	1	ic	ic	PROPN
easat-7236	181	1	a	a	DET
easat-7236	181	2	u	u	NOUN
easat-7236	181	3	n	n	ADV
easat-7236	181	4	it	it	PRON
easat-7236	181	5	ed	ed	NOUN
easat-7236	181	6	k	k	PROPN
easat-7236	181	7	in	in	ADP
easat-7236	181	8	g	g	PROPN
easat-7236	182	1	d	d	X
easat-7236	182	2	o	o	X
easat-7236	182	3	m	m	VERB
easat-7236	182	4	m	m	VERB
easat-7236	182	5	a	a	PRON
easat-7236	182	6	la	la	X
easat-7236	182	7	ys	ys	PROPN
easat-7236	182	8	ia	ia	PROPN
easat-7236	182	9	sw	sw	PROPN
easat-7236	183	1	it	it	PRON
easat-7236	183	2	ze	ze	NOUN
easat-7236	183	3	r	r	NOUN
easat-7236	183	4	la	la	NOUN
easat-7236	183	5	n	n	PROPN
easat-7236	183	6	d	d	PROPN
easat-7236	183	7	in	in	ADP
easat-7236	183	8	d	d	PROPN
easat-7236	183	9	ia	ia	PROPN
easat-7236	183	10	in	in	ADP
easat-7236	183	11	d	d	PROPN
easat-7236	183	12	o	o	NOUN
easat-7236	183	13	n	n	ADV
easat-7236	183	14	es	es	X
easat-7236	183	15	ia	ia	PROPN
easat-7236	183	16	it	it	PRON
easat-7236	183	17	a	a	DET
easat-7236	183	18	ly	ly	ADP
easat-7236	183	19	b	b	NOUN
easat-7236	183	20	a	a	DET
easat-7236	183	21	n	n	NOUN
easat-7236	183	22	g	g	NOUN
easat-7236	183	23	la	la	NOUN
easat-7236	183	24	d	d	NOUN
easat-7236	183	25	es	es	X
easat-7236	183	26	h	h	NOUN
easat-7236	184	1	fr	fr	INTJ
easat-7236	184	2	a	a	PRON
easat-7236	184	3	n	n	NOUN
easat-7236	184	4	c	c	NOUN
easat-7236	184	5	e	e	NOUN
easat-7236	184	6	m	m	VERB
easat-7236	184	7	a	a	DET
easat-7236	184	8	u	u	NOUN
easat-7236	184	9	r	r	VERB
easat-7236	184	10	it	it	PRON
easat-7236	184	11	iu	iu	ADP
easat-7236	184	12	s	s	PROPN
easat-7236	184	13	p	p	NOUN
easat-7236	184	14	h	h	NOUN
easat-7236	184	15	il	il	PROPN
easat-7236	184	16	ip	ip	NOUN
easat-7236	184	17	p	p	NOUN
easat-7236	184	18	in	in	ADP
easat-7236	184	19	es	es	X
easat-7236	184	20	sa	sa	NOUN
easat-7236	184	21	u	u	PROPN
easat-7236	185	1	d	d	NOUN
easat-7236	185	2	i	i	PRON
easat-7236	185	3	a	a	DET
easat-7236	185	4	r	r	NOUN
easat-7236	185	5	a	a	DET
easat-7236	185	6	b	b	PROPN
easat-7236	185	7	ia	ia	PROPN
easat-7236	185	8	top	top	PROPN
easat-7236	185	9	nations	nation	NOUN
easat-7236	185	10	with	with	ADP
easat-7236	185	11	total	total	ADJ
easat-7236	185	12	citations	citation	NOUN
easat-7236	185	13	1601	1601	NUM
easat-7236	185	14	edelweiss	edelweiss	PROPN
easat-7236	185	15	applied	apply	VERB
easat-7236	185	16	science	science	NOUN
easat-7236	185	17	and	and	CCONJ
easat-7236	185	18	technology	technology	NOUN
easat-7236	185	19	issn	issn	PROPN
easat-7236	185	20	:	:	PUNCT
easat-7236	185	21	2576	2576	NUM
easat-7236	185	22	-	-	SYM
easat-7236	185	23	8484	8484	NUM
easat-7236	185	24	vol	vol	NOUN
easat-7236	185	25	.	.	PROPN
easat-7236	186	1	9	9	NUM
easat-7236	186	2	,	,	PUNCT
easat-7236	186	3	no	no	INTJ
easat-7236	186	4	.	.	NOUN
easat-7236	186	5	5	5	NUM
easat-7236	186	6	:	:	SYM
easat-7236	186	7	1593	1593	NUM
easat-7236	186	8	-	-	SYM
easat-7236	186	9	1609	1609	NUM
easat-7236	186	10	,	,	PUNCT
easat-7236	186	11	2025	2025	NUM
easat-7236	186	12	doi	doi	NOUN
easat-7236	186	13	:	:	PUNCT
easat-7236	186	14	10.55214/25768484.v9i5.7236	10.55214/25768484.v9i5.7236	NUM
easat-7236	186	15	©	©	PROPN
easat-7236	186	16	2025	2025	NUM
easat-7236	186	17	by	by	ADP
easat-7236	186	18	the	the	DET
easat-7236	186	19	authors	author	NOUN
easat-7236	186	20	;	;	PUNCT
easat-7236	186	21	licensee	licensee	PROPN
easat-7236	186	22	learning	learning	NOUN
easat-7236	186	23	gate	gate	NOUN
easat-7236	186	24	3.4	3.4	NUM
easat-7236	186	25	.	.	PUNCT
easat-7236	187	1	prominent	prominent	ADJ
easat-7236	187	2	authors	author	NOUN
easat-7236	187	3	the	the	DET
easat-7236	187	4	most	most	ADV
easat-7236	187	5	well	well	ADV
easat-7236	187	6	-	-	PUNCT
easat-7236	187	7	known	know	VERB
easat-7236	187	8	authors	author	NOUN
easat-7236	187	9	in	in	ADP
easat-7236	187	10	fintech	fintech	NOUN
easat-7236	187	11	and	and	CCONJ
easat-7236	187	12	financial	financial	ADJ
easat-7236	187	13	literacy	literacy	NOUN
easat-7236	187	14	research	research	NOUN
easat-7236	187	15	,	,	PUNCT
easat-7236	187	16	based	base	VERB
easat-7236	187	17	on	on	ADP
easat-7236	187	18	their	their	PRON
easat-7236	187	19	publications	publication	NOUN
easat-7236	187	20	,	,	PUNCT
easat-7236	187	21	are	be	AUX
easat-7236	187	22	listed	list	VERB
easat-7236	187	23	in	in	ADP
easat-7236	187	24	table	table	NOUN
easat-7236	187	25	2	2	NUM
easat-7236	187	26	.	.	PUNCT
easat-7236	188	1	the	the	DET
easat-7236	188	2	number	number	NOUN
easat-7236	188	3	of	of	ADP
easat-7236	188	4	articles	article	NOUN
easat-7236	188	5	published	publish	VERB
easat-7236	188	6	by	by	ADP
easat-7236	188	7	each	each	DET
easat-7236	188	8	author	author	NOUN
easat-7236	188	9	suggests	suggest	VERB
easat-7236	188	10	their	their	PRON
easat-7236	188	11	level	level	NOUN
easat-7236	188	12	of	of	ADP
easat-7236	188	13	contribution	contribution	NOUN
easat-7236	188	14	to	to	ADP
easat-7236	188	15	the	the	DET
easat-7236	188	16	field	field	NOUN
easat-7236	188	17	.	.	PUNCT
easat-7236	189	1	setiawan	setiawan	PROPN
easat-7236	189	2	b	b	PROPN
easat-7236	189	3	leads	lead	VERB
easat-7236	189	4	with	with	ADP
easat-7236	189	5	six	six	NUM
easat-7236	189	6	articles	article	NOUN
easat-7236	189	7	,	,	PUNCT
easat-7236	189	8	and	and	CCONJ
easat-7236	189	9	nathan	nathan	PROPN
easat-7236	189	10	rj	rj	PROPN
easat-7236	189	11	follows	follow	VERB
easat-7236	189	12	with	with	ADP
easat-7236	189	13	four	four	NUM
easat-7236	189	14	.	.	PUNCT
easat-7236	189	15	table	table	NOUN
easat-7236	189	16	2	2	NUM
easat-7236	189	17	.	.	PUNCT
easat-7236	189	18	prominent	prominent	ADJ
easat-7236	189	19	authors	author	NOUN
easat-7236	189	20	.	.	PUNCT
easat-7236	190	1	s.no	s.no	NOUN
easat-7236	190	2	authors	author	NOUN
easat-7236	190	3	articles	article	VERB
easat-7236	190	4	1	1	NUM
easat-7236	190	5	setiawan	setiawan	NOUN
easat-7236	190	6	,	,	PUNCT
easat-7236	190	7	et	et	PROPN
easat-7236	190	8	al	al	PROPN
easat-7236	190	9	.	.	PUNCT
easat-7236	191	1	[	[	X
easat-7236	191	2	32	32	NUM
easat-7236	191	3	]	]	SYM
easat-7236	191	4	6	6	NUM
easat-7236	191	5	2	2	NUM
easat-7236	191	6	nogueira	nogueira	NOUN
easat-7236	191	7	,	,	PUNCT
easat-7236	191	8	et	et	PROPN
easat-7236	191	9	al	al	PROPN
easat-7236	191	10	.	.	PUNCT
easat-7236	192	1	[	[	X
easat-7236	192	2	8	8	NUM
easat-7236	192	3	]	]	SYM
easat-7236	192	4	4	4	NUM
easat-7236	192	5	3	3	NUM
easat-7236	192	6	hasan	hasan	PROPN
easat-7236	192	7	,	,	PUNCT
easat-7236	192	8	et	et	PROPN
easat-7236	192	9	al	al	PROPN
easat-7236	192	10	.	.	PUNCT
easat-7236	193	1	[	[	X
easat-7236	193	2	17	17	NUM
easat-7236	193	3	]	]	SYM
easat-7236	193	4	3	3	NUM
easat-7236	193	5	4	4	NUM
easat-7236	193	6	kaiser	kaiser	NOUN
easat-7236	193	7	and	and	CCONJ
easat-7236	193	8	lusardi	lusardi	PROPN
easat-7236	193	9	[	[	X
easat-7236	193	10	7	7	NUM
easat-7236	193	11	]	]	SYM
easat-7236	193	12	3	3	NUM
easat-7236	193	13	5	5	NUM
easat-7236	193	14	okat	okat	NOUN
easat-7236	193	15	,	,	PUNCT
easat-7236	193	16	et	et	PROPN
easat-7236	193	17	al	al	PROPN
easat-7236	193	18	.	.	PUNCT
easat-7236	194	1	[	[	X
easat-7236	194	2	25	25	NUM
easat-7236	194	3	]	]	SYM
easat-7236	194	4	3	3	NUM
easat-7236	194	5	6	6	NUM
easat-7236	194	6	amnas	amna	NOUN
easat-7236	194	7	,	,	PUNCT
easat-7236	194	8	et	et	PROPN
easat-7236	194	9	al	al	PROPN
easat-7236	194	10	.	.	PUNCT
easat-7236	195	1	[	[	X
easat-7236	195	2	2	2	NUM
easat-7236	195	3	]	]	SYM
easat-7236	195	4	2	2	NUM
easat-7236	195	5	7	7	NUM
easat-7236	195	6	aracil	aracil	ADJ
easat-7236	195	7	,	,	PUNCT
easat-7236	195	8	et	et	PROPN
easat-7236	195	9	al	al	PROPN
easat-7236	195	10	.	.	PUNCT
easat-7236	196	1	[	[	X
easat-7236	196	2	22	22	NUM
easat-7236	196	3	]	]	SYM
easat-7236	196	4	2	2	NUM
easat-7236	196	5	8	8	NUM
easat-7236	196	6	alkhwaldi	alkhwaldi	ADJ
easat-7236	196	7	,	,	PUNCT
easat-7236	196	8	et	et	PROPN
easat-7236	196	9	al	al	PROPN
easat-7236	196	10	.	.	PUNCT
easat-7236	197	1	[	[	X
easat-7236	197	2	33	33	NUM
easat-7236	197	3	]	]	SYM
easat-7236	197	4	2	2	NUM
easat-7236	197	5	9	9	NUM
easat-7236	197	6	del	del	NOUN
easat-7236	197	7	sarto	sarto	NOUN
easat-7236	197	8	and	and	CCONJ
easat-7236	197	9	ozili	ozili	NOUN
easat-7236	198	1	[	[	X
easat-7236	198	2	23	23	NUM
easat-7236	198	3	]	]	SYM
easat-7236	198	4	2	2	NUM
easat-7236	198	5	10	10	NUM
easat-7236	198	6	devender	devender	NOUN
easat-7236	198	7	,	,	PUNCT
easat-7236	198	8	et	et	PROPN
easat-7236	198	9	al	al	PROPN
easat-7236	198	10	.	.	PUNCT
easat-7236	199	1	[	[	X
easat-7236	199	2	11	11	NUM
easat-7236	199	3	]	]	SYM
easat-7236	199	4	2	2	NUM
easat-7236	199	5	3.5	3.5	NUM
easat-7236	199	6	.	.	PUNCT
easat-7236	200	1	impactful	impactful	ADJ
easat-7236	200	2	journals	journal	NOUN
easat-7236	200	3	researchers	researcher	NOUN
easat-7236	200	4	and	and	CCONJ
easat-7236	200	5	scholars	scholar	NOUN
easat-7236	200	6	can	can	AUX
easat-7236	200	7	incorporate	incorporate	VERB
easat-7236	200	8	novel	novel	ADJ
easat-7236	200	9	and	and	CCONJ
easat-7236	200	10	stimulating	stimulate	VERB
easat-7236	200	11	ideas	idea	NOUN
easat-7236	200	12	into	into	ADP
easat-7236	200	13	their	their	PRON
easat-7236	200	14	scholarly	scholarly	ADJ
easat-7236	200	15	writings	writing	NOUN
easat-7236	200	16	by	by	ADP
easat-7236	200	17	identifying	identify	VERB
easat-7236	200	18	the	the	DET
easat-7236	200	19	most	most	ADV
easat-7236	200	20	renowned	renowned	ADJ
easat-7236	200	21	journals	journal	NOUN
easat-7236	200	22	in	in	ADP
easat-7236	200	23	a	a	DET
easat-7236	200	24	specific	specific	ADJ
easat-7236	200	25	research	research	NOUN
easat-7236	200	26	area	area	NOUN
easat-7236	200	27	.	.	PUNCT
easat-7236	201	1	this	this	PRON
easat-7236	201	2	enables	enable	VERB
easat-7236	201	3	them	they	PRON
easat-7236	201	4	to	to	PART
easat-7236	201	5	select	select	VERB
easat-7236	201	6	the	the	DET
easat-7236	201	7	most	most	ADV
easat-7236	201	8	reputable	reputable	ADJ
easat-7236	201	9	and	and	CCONJ
easat-7236	201	10	pertinent	pertinent	ADJ
easat-7236	201	11	outlets	outlet	NOUN
easat-7236	201	12	for	for	ADP
easat-7236	201	13	publishing	publish	VERB
easat-7236	201	14	their	their	PRON
easat-7236	201	15	findings	finding	NOUN
easat-7236	201	16	.	.	PUNCT
easat-7236	202	1	figure	figure	VERB
easat-7236	202	2	5	5	NUM
easat-7236	202	3	presents	present	VERB
easat-7236	202	4	the	the	DET
easat-7236	202	5	top	top	ADJ
easat-7236	202	6	ten	ten	NUM
easat-7236	202	7	journals	journal	NOUN
easat-7236	202	8	publishing	publish	VERB
easat-7236	202	9	research	research	NOUN
easat-7236	202	10	articles	article	NOUN
easat-7236	202	11	on	on	ADP
easat-7236	202	12	financial	financial	ADJ
easat-7236	202	13	literacy	literacy	NOUN
easat-7236	202	14	and	and	CCONJ
easat-7236	202	15	fintech	fintech	NOUN
easat-7236	202	16	between	between	ADP
easat-7236	202	17	2017	2017	NUM
easat-7236	202	18	and	and	CCONJ
easat-7236	202	19	2024	2024	NUM
easat-7236	202	20	,	,	PUNCT
easat-7236	202	21	accounting	account	VERB
easat-7236	202	22	for	for	ADP
easat-7236	202	23	a	a	DET
easat-7236	202	24	total	total	NOUN
easat-7236	202	25	of	of	ADP
easat-7236	202	26	42	42	NUM
easat-7236	202	27	publications	publication	NOUN
easat-7236	202	28	.	.	PUNCT
easat-7236	203	1	"	"	PUNCT
easat-7236	203	2	sustainability	sustainability	NOUN
easat-7236	203	3	(	(	PUNCT
easat-7236	203	4	switzerland	switzerland	NOUN
easat-7236	203	5	)	)	PUNCT
easat-7236	203	6	"	"	PUNCT
easat-7236	203	7	emerged	emerge	VERB
easat-7236	203	8	as	as	ADP
easat-7236	203	9	the	the	DET
easat-7236	203	10	most	most	ADV
easat-7236	203	11	influential	influential	ADJ
easat-7236	203	12	journal	journal	NOUN
easat-7236	203	13	with	with	ADP
easat-7236	203	14	nine	nine	NUM
easat-7236	203	15	articles	article	NOUN
easat-7236	203	16	in	in	ADP
easat-7236	203	17	this	this	DET
easat-7236	203	18	research	research	NOUN
easat-7236	203	19	domain	domain	NOUN
easat-7236	203	20	.	.	PUNCT
easat-7236	204	1	figure	figure	NOUN
easat-7236	204	2	5	5	NUM
easat-7236	204	3	also	also	ADV
easat-7236	204	4	indicates	indicate	VERB
easat-7236	204	5	that	that	SCONJ
easat-7236	204	6	the	the	DET
easat-7236	204	7	"	"	PUNCT
easat-7236	204	8	journal	journal	NOUN
easat-7236	204	9	of	of	ADP
easat-7236	204	10	risk	risk	NOUN
easat-7236	204	11	and	and	CCONJ
easat-7236	204	12	financial	financial	ADJ
easat-7236	204	13	management	management	NOUN
easat-7236	204	14	"	"	PUNCT
easat-7236	204	15	and	and	CCONJ
easat-7236	204	16	the	the	DET
easat-7236	204	17	"	"	PUNCT
easat-7236	204	18	international	international	ADJ
easat-7236	204	19	journal	journal	NOUN
easat-7236	204	20	of	of	ADP
easat-7236	204	21	bank	bank	PROPN
easat-7236	204	22	marketing	marketing	NOUN
easat-7236	204	23	"	"	PUNCT
easat-7236	204	24	ranked	rank	VERB
easat-7236	204	25	second	second	ADV
easat-7236	204	26	with	with	ADP
easat-7236	204	27	four	four	NUM
easat-7236	204	28	publications	publication	NOUN
easat-7236	204	29	each	each	PRON
easat-7236	204	30	,	,	PUNCT
easat-7236	204	31	followed	follow	VERB
easat-7236	204	32	by	by	ADP
easat-7236	204	33	other	other	ADJ
easat-7236	204	34	journals	journal	NOUN
easat-7236	204	35	.	.	PUNCT
easat-7236	205	1	figure	figure	NOUN
easat-7236	205	2	5	5	NUM
easat-7236	205	3	.	.	PUNCT
easat-7236	205	4	impactful	impactful	ADJ
easat-7236	205	5	journals	journal	NOUN
easat-7236	205	6	(	(	PUNCT
easat-7236	205	7	2017	2017	NUM
easat-7236	205	8	-	-	SYM
easat-7236	205	9	2024	2024	NUM
easat-7236	205	10	)	)	PUNCT
easat-7236	205	11	.	.	PUNCT
easat-7236	206	1	0	0	NUM
easat-7236	206	2	1	1	NUM
easat-7236	206	3	2	2	NUM
easat-7236	206	4	3	3	NUM
easat-7236	206	5	4	4	NUM
easat-7236	206	6	5	5	NUM
easat-7236	206	7	6	6	NUM
easat-7236	206	8	7	7	NUM
easat-7236	206	9	8	8	NUM
easat-7236	206	10	9	9	NUM
easat-7236	206	11	impactful	impactful	ADJ
easat-7236	206	12	journals	journal	NOUN
easat-7236	206	13	1602	1602	NUM
easat-7236	206	14	edelweiss	edelweiss	PROPN
easat-7236	206	15	applied	apply	VERB
easat-7236	206	16	science	science	NOUN
easat-7236	206	17	and	and	CCONJ
easat-7236	206	18	technology	technology	NOUN
easat-7236	206	19	issn	issn	PROPN
easat-7236	206	20	:	:	PUNCT
easat-7236	206	21	2576	2576	NUM
easat-7236	206	22	-	-	SYM
easat-7236	206	23	8484	8484	NUM
easat-7236	206	24	vol	vol	NOUN
easat-7236	206	25	.	.	PROPN
easat-7236	207	1	9	9	NUM
easat-7236	207	2	,	,	PUNCT
easat-7236	207	3	no	no	INTJ
easat-7236	207	4	.	.	NOUN
easat-7236	207	5	5	5	NUM
easat-7236	207	6	:	:	SYM
easat-7236	207	7	1593	1593	NUM
easat-7236	207	8	-	-	SYM
easat-7236	207	9	1609	1609	NUM
easat-7236	207	10	,	,	PUNCT
easat-7236	207	11	2025	2025	NUM
easat-7236	207	12	doi	doi	NOUN
easat-7236	207	13	:	:	PUNCT
easat-7236	207	14	10.55214/25768484.v9i5.7236	10.55214/25768484.v9i5.7236	NUM
easat-7236	207	15	©	©	PROPN
easat-7236	207	16	2025	2025	NUM
easat-7236	207	17	by	by	ADP
easat-7236	207	18	the	the	DET
easat-7236	207	19	authors	author	NOUN
easat-7236	207	20	;	;	PUNCT
easat-7236	207	21	licensee	licensee	PROPN
easat-7236	207	22	learning	learning	NOUN
easat-7236	207	23	gate	gate	NOUN
easat-7236	207	24	3.6	3.6	NUM
easat-7236	207	25	.	.	PUNCT
easat-7236	208	1	research	research	NOUN
easat-7236	208	2	journals	journal	NOUN
easat-7236	208	3	with	with	ADP
easat-7236	208	4	sources	source	NOUN
easat-7236	208	5	impact	impact	NOUN
easat-7236	208	6	table	table	NOUN
easat-7236	208	7	2	2	NUM
easat-7236	208	8	displays	display	VERB
easat-7236	208	9	the	the	DET
easat-7236	208	10	most	most	ADV
easat-7236	208	11	influential	influential	ADJ
easat-7236	208	12	journals	journal	NOUN
easat-7236	208	13	in	in	ADP
easat-7236	208	14	academia	academia	NOUN
easat-7236	208	15	based	base	VERB
easat-7236	208	16	on	on	ADP
easat-7236	208	17	key	key	ADJ
easat-7236	208	18	metrics	metric	NOUN
easat-7236	208	19	such	such	ADJ
easat-7236	208	20	as	as	ADP
easat-7236	208	21	h	h	NOUN
easat-7236	208	22	-	-	PUNCT
easat-7236	208	23	index	index	NOUN
easat-7236	208	24	,	,	PUNCT
easat-7236	208	25	gindex	gindex	NOUN
easat-7236	208	26	,	,	PUNCT
easat-7236	208	27	m	m	PROPN
easat-7236	208	28	-	-	NOUN
easat-7236	208	29	index	index	NOUN
easat-7236	208	30	,	,	PUNCT
easat-7236	208	31	number	number	NOUN
easat-7236	208	32	of	of	ADP
easat-7236	208	33	citations	citation	NOUN
easat-7236	208	34	,	,	PUNCT
easat-7236	208	35	number	number	NOUN
easat-7236	208	36	of	of	ADP
easat-7236	208	37	articles	article	NOUN
easat-7236	208	38	,	,	PUNCT
easat-7236	208	39	and	and	CCONJ
easat-7236	208	40	year	year	NOUN
easat-7236	208	41	of	of	ADP
easat-7236	208	42	publication	publication	NOUN
easat-7236	208	43	.	.	PUNCT
easat-7236	209	1	table	table	NOUN
easat-7236	209	2	3	3	NUM
easat-7236	209	3	.	.	PUNCT
easat-7236	209	4	research	research	NOUN
easat-7236	209	5	journals	journal	NOUN
easat-7236	209	6	with	with	ADP
easat-7236	209	7	their	their	PRON
easat-7236	209	8	source	source	NOUN
easat-7236	209	9	impacts	impact	NOUN
easat-7236	209	10	.	.	PUNCT
easat-7236	210	1	element	element	NOUN
easat-7236	210	2	“	"	PUNCT
easat-7236	210	3	h_index	h_index	PROPN
easat-7236	210	4	”	"	PUNCT
easat-7236	210	5	“	"	PUNCT
easat-7236	210	6	g_index	g_index	NOUN
easat-7236	210	7	”	"	PUNCT
easat-7236	210	8	“	"	PUNCT
easat-7236	210	9	m_index	m_index	NOUN
easat-7236	210	10	”	"	PUNCT
easat-7236	210	11	“	"	PUNCT
easat-7236	210	12	tc	tc	NOUN
easat-7236	210	13	”	"	PUNCT
easat-7236	210	14	“	"	PUNCT
easat-7236	210	15	np	np	INTJ
easat-7236	210	16	”	"	PUNCT
easat-7236	210	17	“	"	PUNCT
easat-7236	210	18	py_start	py_start	ADJ
easat-7236	210	19	”	"	PUNCT
easat-7236	210	20	sustainability	sustainability	NOUN
easat-7236	210	21	(	(	PUNCT
easat-7236	210	22	switzerland	switzerland	NOUN
easat-7236	210	23	)	)	PUNCT
easat-7236	210	24	9	9	NUM
easat-7236	210	25	9	9	NUM
easat-7236	210	26	1.8	1.8	NUM
easat-7236	210	27	257	257	NUM
easat-7236	210	28	9	9	NUM
easat-7236	210	29	2021	2021	NUM
easat-7236	210	30	international	international	ADJ
easat-7236	210	31	journal	journal	NOUN
easat-7236	210	32	of	of	ADP
easat-7236	210	33	bank	bank	PROPN
easat-7236	210	34	marketing	marketing	NOUN
easat-7236	210	35	4	4	NUM
easat-7236	210	36	5	5	NUM
easat-7236	210	37	1	1	NUM
easat-7236	210	38	125	125	NUM
easat-7236	210	39	5	5	NUM
easat-7236	210	40	2022	2022	NUM
easat-7236	210	41	journal	journal	NOUN
easat-7236	210	42	of	of	ADP
easat-7236	210	43	risk	risk	NOUN
easat-7236	210	44	and	and	CCONJ
easat-7236	210	45	financial	financial	ADJ
easat-7236	210	46	management	management	NOUN
easat-7236	210	47	4	4	NUM
easat-7236	210	48	7	7	NUM
easat-7236	210	49	1	1	NUM
easat-7236	210	50	93	93	NUM
easat-7236	210	51	7	7	NUM
easat-7236	210	52	2022	2022	NUM
easat-7236	210	53	cogent	cogent	NOUN
easat-7236	210	54	economics	economic	NOUN
easat-7236	210	55	and	and	CCONJ
easat-7236	210	56	finance	finance	NOUN
easat-7236	210	57	3	3	NUM
easat-7236	210	58	3	3	NUM
easat-7236	210	59	0.75	0.75	NUM
easat-7236	210	60	37	37	NUM
easat-7236	210	61	3	3	NUM
easat-7236	210	62	2022	2022	NUM
easat-7236	210	63	finance	finance	NOUN
easat-7236	210	64	research	research	NOUN
easat-7236	210	65	letters	letter	NOUN
easat-7236	210	66	3	3	NUM
easat-7236	210	67	5	5	NUM
easat-7236	210	68	0.5	0.5	NUM
easat-7236	210	69	428	428	NUM
easat-7236	210	70	5	5	NUM
easat-7236	210	71	2020	2020	NUM
easat-7236	210	72	journal	journal	NOUN
easat-7236	210	73	of	of	ADP
easat-7236	210	74	open	open	ADJ
easat-7236	210	75	innovation	innovation	NOUN
easat-7236	210	76	:	:	PUNCT
easat-7236	210	77	technology	technology	NOUN
easat-7236	210	78	,	,	PUNCT
easat-7236	210	79	market	market	NOUN
easat-7236	210	80	,	,	PUNCT
easat-7236	210	81	and	and	CCONJ
easat-7236	210	82	complexity	complexity	NOUN
easat-7236	210	83	3	3	NUM
easat-7236	210	84	4	4	NUM
easat-7236	210	85	0.6	0.6	NUM
easat-7236	210	86	175	175	NUM
easat-7236	210	87	4	4	NUM
easat-7236	210	88	2021	2021	NUM
easat-7236	210	89	applied	apply	VERB
easat-7236	210	90	economics	economic	NOUN
easat-7236	210	91	2	2	NUM
easat-7236	210	92	2	2	NUM
easat-7236	210	93	1	1	NUM
easat-7236	210	94	7	7	NUM
easat-7236	210	95	2	2	NUM
easat-7236	210	96	2024	2024	NUM
easat-7236	210	97	borsa	borsa	PROPN
easat-7236	210	98	istanbul	istanbul	PROPN
easat-7236	210	99	review	review	VERB
easat-7236	210	100	2	2	NUM
easat-7236	210	101	2	2	NUM
easat-7236	210	102	0.667	0.667	NUM
easat-7236	210	103	81	81	NUM
easat-7236	210	104	2	2	NUM
easat-7236	210	105	2023	2023	NUM
easat-7236	210	106	heliyon	heliyon	NOUN
easat-7236	210	107	2	2	NUM
easat-7236	210	108	3	3	NUM
easat-7236	210	109	0.5	0.5	NUM
easat-7236	210	110	70	70	NUM
easat-7236	210	111	3	3	NUM
easat-7236	210	112	2022	2022	NUM
easat-7236	210	113	information	information	NOUN
easat-7236	210	114	sciences	science	NOUN
easat-7236	210	115	letters	letter	NOUN
easat-7236	210	116	2	2	NUM
easat-7236	210	117	2	2	NUM
easat-7236	210	118	0.667	0.667	NUM
easat-7236	210	119	24	24	NUM
easat-7236	210	120	2	2	NUM
easat-7236	210	121	2023	2023	NUM
easat-7236	210	122	source	source	NOUN
easat-7236	210	123	:	:	PUNCT
easat-7236	210	124	scopus	scopus	PROPN
easat-7236	210	125	database	database	NOUN
easat-7236	210	126	3.7	3.7	NUM
easat-7236	210	127	.	.	PUNCT
easat-7236	211	1	bradford	bradford	PROPN
easat-7236	211	2	law	law	PROPN
easat-7236	211	3	between	between	ADP
easat-7236	211	4	2017	2017	NUM
easat-7236	211	5	and	and	CCONJ
easat-7236	211	6	2024	2024	NUM
easat-7236	211	7	,	,	PUNCT
easat-7236	211	8	134	134	NUM
easat-7236	211	9	research	research	NOUN
easat-7236	211	10	papers	paper	NOUN
easat-7236	211	11	examined	examine	VERB
easat-7236	211	12	financial	financial	ADJ
easat-7236	211	13	literacy	literacy	NOUN
easat-7236	211	14	and	and	CCONJ
easat-7236	211	15	fintech	fintech	NOUN
easat-7236	211	16	.	.	PUNCT
easat-7236	212	1	applying	apply	VERB
easat-7236	212	2	the	the	DET
easat-7236	212	3	bradford	bradford	NOUN
easat-7236	212	4	law	law	NOUN
easat-7236	212	5	classification	classification	NOUN
easat-7236	212	6	system	system	NOUN
easat-7236	212	7	,	,	PUNCT
easat-7236	212	8	these	these	DET
easat-7236	212	9	research	research	NOUN
easat-7236	212	10	articles	article	NOUN
easat-7236	212	11	were	be	AUX
easat-7236	212	12	categorized	categorize	VERB
easat-7236	212	13	into	into	ADP
easat-7236	212	14	three	three	NUM
easat-7236	212	15	zones	zone	NOUN
easat-7236	212	16	,	,	PUNCT
easat-7236	212	17	with	with	ADP
easat-7236	212	18	the	the	DET
easat-7236	212	19	top	top	ADJ
easat-7236	212	20	20	20	NUM
easat-7236	212	21	most	most	ADV
easat-7236	212	22	significant	significant	ADJ
easat-7236	212	23	journals	journal	NOUN
easat-7236	212	24	listed	list	VERB
easat-7236	212	25	in	in	ADP
easat-7236	212	26	table	table	NOUN
easat-7236	212	27	4	4	NUM
easat-7236	212	28	.	.	PUNCT
easat-7236	213	1	journals	journal	NOUN
easat-7236	213	2	within	within	ADP
easat-7236	213	3	zone	zone	NOUN
easat-7236	213	4	1	1	NUM
easat-7236	213	5	likely	likely	ADV
easat-7236	213	6	contain	contain	VERB
easat-7236	213	7	key	key	ADJ
easat-7236	213	8	articles	article	NOUN
easat-7236	213	9	on	on	ADP
easat-7236	213	10	financial	financial	ADJ
easat-7236	213	11	literacy	literacy	NOUN
easat-7236	213	12	and	and	CCONJ
easat-7236	213	13	fintech	fintech	NOUN
easat-7236	213	14	,	,	PUNCT
easat-7236	213	15	and	and	CCONJ
easat-7236	213	16	this	this	DET
easat-7236	213	17	zone	zone	NOUN
easat-7236	213	18	is	be	AUX
easat-7236	213	19	considered	consider	VERB
easat-7236	213	20	the	the	DET
easat-7236	213	21	nuclear	nuclear	ADJ
easat-7236	213	22	zone	zone	NOUN
easat-7236	213	23	due	due	ADP
easat-7236	213	24	to	to	ADP
easat-7236	213	25	its	its	PRON
easat-7236	213	26	substantial	substantial	ADJ
easat-7236	213	27	research	research	NOUN
easat-7236	213	28	contributions	contribution	NOUN
easat-7236	213	29	.	.	PUNCT
easat-7236	214	1	the	the	DET
easat-7236	214	2	distribution	distribution	NOUN
easat-7236	214	3	of	of	ADP
easat-7236	214	4	the	the	DET
easat-7236	214	5	134	134	NUM
easat-7236	214	6	research	research	NOUN
easat-7236	214	7	journals	journal	NOUN
easat-7236	214	8	across	across	ADP
easat-7236	214	9	the	the	DET
easat-7236	214	10	zones	zone	NOUN
easat-7236	214	11	is	be	AUX
easat-7236	214	12	as	as	SCONJ
easat-7236	214	13	follows	follow	VERB
easat-7236	214	14	:	:	PUNCT
easat-7236	214	15	zone	zone	NOUN
easat-7236	214	16	1	1	NUM
easat-7236	214	17	–	–	PUNCT
easat-7236	214	18	17	17	NUM
easat-7236	214	19	,	,	PUNCT
easat-7236	214	20	zone	zone	NOUN
easat-7236	214	21	2	2	NUM
easat-7236	214	22	–	–	PUNCT
easat-7236	214	23	51	51	NUM
easat-7236	214	24	,	,	PUNCT
easat-7236	214	25	and	and	CCONJ
easat-7236	214	26	zone	zone	NOUN
easat-7236	214	27	3	3	NUM
easat-7236	214	28	–	–	PUNCT
easat-7236	214	29	66	66	NUM
easat-7236	214	30	.	.	PUNCT
easat-7236	214	31	table	table	NOUN
easat-7236	214	32	4	4	NUM
easat-7236	214	33	.	.	PUNCT
easat-7236	214	34	bradford	bradford	PROPN
easat-7236	214	35	law	law	PROPN
easat-7236	214	36	.	.	PUNCT
easat-7236	215	1	source	source	NOUN
easat-7236	215	2	rank	rank	NOUN
easat-7236	215	3	freq	freq	NOUN
easat-7236	215	4	cumfreq	cumfreq	PROPN
easat-7236	215	5	zone	zone	NOUN
easat-7236	215	6	sustainability	sustainability	NOUN
easat-7236	215	7	(	(	PUNCT
easat-7236	215	8	switzerland	switzerland	PROPN
easat-7236	215	9	)	)	PUNCT
easat-7236	215	10	1	1	NUM
easat-7236	215	11	9	9	NUM
easat-7236	215	12	9	9	NUM
easat-7236	215	13	zone	zone	NOUN
easat-7236	215	14	1	1	NUM
easat-7236	215	15	journal	journal	NOUN
easat-7236	215	16	of	of	ADP
easat-7236	215	17	risk	risk	NOUN
easat-7236	215	18	and	and	CCONJ
easat-7236	215	19	financial	financial	ADJ
easat-7236	215	20	management	management	NOUN
easat-7236	215	21	2	2	NUM
easat-7236	215	22	7	7	NUM
easat-7236	215	23	16	16	NUM
easat-7236	215	24	zone	zone	NOUN
easat-7236	215	25	1	1	NUM
easat-7236	215	26	investment	investment	NOUN
easat-7236	215	27	management	management	NOUN
easat-7236	215	28	and	and	CCONJ
easat-7236	215	29	financial	financial	ADJ
easat-7236	215	30	innovations	innovation	NOUN
easat-7236	215	31	3	3	NUM
easat-7236	215	32	6	6	NUM
easat-7236	215	33	22	22	NUM
easat-7236	215	34	zone	zone	NOUN
easat-7236	215	35	1	1	NUM
easat-7236	215	36	finance	finance	NOUN
easat-7236	215	37	research	research	NOUN
easat-7236	215	38	letters	letter	NOUN
easat-7236	215	39	4	4	NUM
easat-7236	215	40	5	5	NUM
easat-7236	215	41	27	27	NUM
easat-7236	215	42	zone	zone	NOUN
easat-7236	215	43	1	1	NUM
easat-7236	215	44	international	international	ADJ
easat-7236	215	45	journal	journal	NOUN
easat-7236	215	46	of	of	ADP
easat-7236	215	47	bank	bank	PROPN
easat-7236	215	48	marketing	marketing	NOUN
easat-7236	215	49	5	5	NUM
easat-7236	215	50	5	5	NUM
easat-7236	215	51	32	32	NUM
easat-7236	215	52	zone	zone	NOUN
easat-7236	215	53	1	1	NUM
easat-7236	215	54	journal	journal	NOUN
easat-7236	215	55	of	of	ADP
easat-7236	215	56	infrastructure	infrastructure	NOUN
easat-7236	215	57	,	,	PUNCT
easat-7236	215	58	policy	policy	NOUN
easat-7236	215	59	and	and	CCONJ
easat-7236	215	60	development	development	NOUN
easat-7236	215	61	6	6	NUM
easat-7236	215	62	4	4	NUM
easat-7236	215	63	36	36	NUM
easat-7236	215	64	zone	zone	NOUN
easat-7236	215	65	1	1	NUM
easat-7236	215	66	journal	journal	NOUN
easat-7236	215	67	of	of	ADP
easat-7236	215	68	open	open	ADJ
easat-7236	215	69	innovation	innovation	NOUN
easat-7236	215	70	:	:	PUNCT
easat-7236	215	71	technology	technology	NOUN
easat-7236	215	72	,	,	PUNCT
easat-7236	215	73	market	market	NOUN
easat-7236	215	74	,	,	PUNCT
easat-7236	215	75	and	and	CCONJ
easat-7236	215	76	complexity	complexity	NOUN
easat-7236	215	77	7	7	NUM
easat-7236	215	78	4	4	NUM
easat-7236	215	79	40	40	NUM
easat-7236	215	80	zone	zone	NOUN
easat-7236	215	81	1	1	NUM
easat-7236	215	82	cogent	cogent	NOUN
easat-7236	215	83	economics	economic	NOUN
easat-7236	215	84	and	and	CCONJ
easat-7236	215	85	finance	finance	NOUN
easat-7236	215	86	8	8	NUM
easat-7236	215	87	3	3	NUM
easat-7236	215	88	43	43	NUM
easat-7236	215	89	zone	zone	NOUN
easat-7236	215	90	1	1	NUM
easat-7236	215	91	european	european	PROPN
easat-7236	215	92	journal	journal	NOUN
easat-7236	215	93	of	of	ADP
easat-7236	215	94	finance	finance	NOUN
easat-7236	215	95	9	9	NUM
easat-7236	215	96	3	3	NUM
easat-7236	215	97	46	46	NUM
easat-7236	215	98	zone	zone	NOUN
easat-7236	215	99	1	1	NUM
easat-7236	215	100	heliyon	heliyon	NOUN
easat-7236	215	101	10	10	NUM
easat-7236	215	102	3	3	NUM
easat-7236	215	103	49	49	NUM
easat-7236	215	104	zone	zone	NOUN
easat-7236	215	105	1	1	NUM
easat-7236	215	106	international	international	ADJ
easat-7236	215	107	journal	journal	NOUN
easat-7236	215	108	of	of	ADP
easat-7236	215	109	social	social	ADJ
easat-7236	215	110	economics	economic	NOUN
easat-7236	215	111	11	11	NUM
easat-7236	215	112	3	3	NUM
easat-7236	215	113	52	52	NUM
easat-7236	215	114	zone	zone	NOUN
easat-7236	215	115	1	1	NUM
easat-7236	215	116	journal	journal	NOUN
easat-7236	215	117	of	of	ADP
easat-7236	215	118	ecohumanism	ecohumanism	NOUN
easat-7236	215	119	12	12	NUM
easat-7236	215	120	3	3	NUM
easat-7236	215	121	55	55	NUM
easat-7236	215	122	zone	zone	NOUN
easat-7236	215	123	1	1	NUM
easat-7236	215	124	review	review	NOUN
easat-7236	215	125	of	of	ADP
easat-7236	215	126	integrative	integrative	ADJ
easat-7236	215	127	business	business	NOUN
easat-7236	215	128	and	and	CCONJ
easat-7236	215	129	economics	economic	NOUN
easat-7236	215	130	research	research	NOUN
easat-7236	215	131	13	13	NUM
easat-7236	215	132	3	3	NUM
easat-7236	215	133	58	58	NUM
easat-7236	215	134	zone	zone	NOUN
easat-7236	215	135	1	1	NUM
easat-7236	215	136	african	african	ADJ
easat-7236	215	137	journal	journal	NOUN
easat-7236	215	138	of	of	ADP
easat-7236	215	139	science	science	NOUN
easat-7236	215	140	,	,	PUNCT
easat-7236	215	141	technology	technology	NOUN
easat-7236	215	142	,	,	PUNCT
easat-7236	215	143	innovation	innovation	NOUN
easat-7236	215	144	and	and	CCONJ
easat-7236	215	145	development	development	NOUN
easat-7236	215	146	14	14	NUM
easat-7236	215	147	2	2	NUM
easat-7236	215	148	60	60	NUM
easat-7236	215	149	zone	zone	NOUN
easat-7236	215	150	1	1	NUM
easat-7236	215	151	applied	apply	VERB
easat-7236	215	152	economics	economic	NOUN
easat-7236	215	153	15	15	NUM
easat-7236	215	154	2	2	NUM
easat-7236	215	155	62	62	NUM
easat-7236	215	156	zone	zone	NOUN
easat-7236	215	157	1	1	NUM
easat-7236	215	158	borsa	borsa	PROPN
easat-7236	215	159	istanbul	istanbul	PROPN
easat-7236	215	160	review	review	VERB
easat-7236	215	161	16	16	NUM
easat-7236	215	162	2	2	NUM
easat-7236	215	163	64	64	NUM
easat-7236	215	164	zone	zone	NOUN
easat-7236	215	165	1	1	NUM
easat-7236	215	166	cogent	cogent	NOUN
easat-7236	215	167	social	social	ADJ
easat-7236	215	168	sciences	science	NOUN
easat-7236	215	169	17	17	NUM
easat-7236	215	170	2	2	NUM
easat-7236	215	171	66	66	NUM
easat-7236	215	172	zone	zone	NOUN
easat-7236	215	173	1	1	NUM
easat-7236	215	174	finance	finance	NOUN
easat-7236	215	175	india	india	NOUN
easat-7236	215	176	18	18	NUM
easat-7236	215	177	2	2	NUM
easat-7236	215	178	68	68	NUM
easat-7236	215	179	zone	zone	NOUN
easat-7236	215	180	2	2	NUM
easat-7236	215	181	global	global	ADJ
easat-7236	215	182	business	business	NOUN
easat-7236	215	183	and	and	CCONJ
easat-7236	215	184	finance	finance	NOUN
easat-7236	215	185	review	review	NOUN
easat-7236	215	186	19	19	NUM
easat-7236	215	187	2	2	NUM
easat-7236	215	188	70	70	NUM
easat-7236	215	189	zone	zone	NOUN
easat-7236	215	190	2	2	NUM
easat-7236	215	191	information	information	NOUN
easat-7236	215	192	sciences	science	NOUN
easat-7236	215	193	letters	letter	NOUN
easat-7236	215	194	20	20	NUM
easat-7236	215	195	2	2	NUM
easat-7236	215	196	72	72	NUM
easat-7236	215	197	zone	zone	NOUN
easat-7236	215	198	2	2	NUM
easat-7236	215	199	1603	1603	NUM
easat-7236	215	200	edelweiss	edelweiss	PROPN
easat-7236	215	201	applied	apply	VERB
easat-7236	215	202	science	science	NOUN
easat-7236	215	203	and	and	CCONJ
easat-7236	215	204	technology	technology	NOUN
easat-7236	215	205	issn	issn	PROPN
easat-7236	215	206	:	:	PUNCT
easat-7236	215	207	2576	2576	NUM
easat-7236	215	208	-	-	SYM
easat-7236	215	209	8484	8484	NUM
easat-7236	215	210	vol	vol	NOUN
easat-7236	215	211	.	.	PROPN
easat-7236	216	1	9	9	NUM
easat-7236	216	2	,	,	PUNCT
easat-7236	216	3	no	no	INTJ
easat-7236	216	4	.	.	NOUN
easat-7236	216	5	5	5	NUM
easat-7236	216	6	:	:	SYM
easat-7236	216	7	1593	1593	NUM
easat-7236	216	8	-	-	SYM
easat-7236	216	9	1609	1609	NUM
easat-7236	216	10	,	,	PUNCT
easat-7236	216	11	2025	2025	NUM
easat-7236	216	12	doi	doi	NOUN
easat-7236	216	13	:	:	PUNCT
easat-7236	216	14	10.55214/25768484.v9i5.7236	10.55214/25768484.v9i5.7236	NUM
easat-7236	216	15	©	©	PROPN
easat-7236	216	16	2025	2025	NUM
easat-7236	216	17	by	by	ADP
easat-7236	216	18	the	the	DET
easat-7236	216	19	authors	author	NOUN
easat-7236	216	20	;	;	PUNCT
easat-7236	216	21	licensee	licensee	PROPN
easat-7236	216	22	learning	learning	NOUN
easat-7236	216	23	gate	gate	VERB
easat-7236	216	24	3.8	3.8	NUM
easat-7236	216	25	.	.	PUNCT
easat-7236	217	1	three	three	NUM
easat-7236	217	2	-	-	PUNCT
easat-7236	217	3	field	field	NOUN
easat-7236	217	4	plot	plot	NOUN
easat-7236	217	5	a	a	DET
easat-7236	217	6	three	three	NUM
easat-7236	217	7	-	-	PUNCT
easat-7236	217	8	field	field	NOUN
easat-7236	217	9	plot	plot	NOUN
easat-7236	217	10	(	(	PUNCT
easat-7236	217	11	sankey	sankey	PROPN
easat-7236	217	12	diagram	diagram	PROPN
easat-7236	217	13	)	)	PUNCT
easat-7236	217	14	was	be	AUX
easat-7236	217	15	created	create	VERB
easat-7236	217	16	to	to	PART
easat-7236	217	17	illustrate	illustrate	VERB
easat-7236	217	18	the	the	DET
easat-7236	217	19	percentage	percentage	NOUN
easat-7236	217	20	of	of	ADP
easat-7236	217	21	study	study	NOUN
easat-7236	217	22	subjects	subject	NOUN
easat-7236	217	23	for	for	ADP
easat-7236	217	24	each	each	DET
easat-7236	217	25	country	country	NOUN
easat-7236	217	26	and	and	CCONJ
easat-7236	217	27	the	the	DET
easat-7236	217	28	current	current	ADJ
easat-7236	217	29	status	status	NOUN
easat-7236	217	30	of	of	ADP
easat-7236	217	31	the	the	DET
easat-7236	217	32	cited	cite	VERB
easat-7236	217	33	articles	article	NOUN
easat-7236	217	34	across	across	ADP
easat-7236	217	35	the	the	DET
easat-7236	217	36	20	20	NUM
easat-7236	217	37	most	most	ADV
easat-7236	217	38	frequently	frequently	ADV
easat-7236	217	39	investigated	investigate	VERB
easat-7236	217	40	journals	journal	NOUN
easat-7236	217	41	,	,	PUNCT
easat-7236	217	42	linking	link	VERB
easat-7236	217	43	journal	journal	NOUN
easat-7236	217	44	,	,	PUNCT
easat-7236	217	45	keyword	keyword	NOUN
easat-7236	217	46	,	,	PUNCT
easat-7236	217	47	and	and	CCONJ
easat-7236	217	48	country	country	NOUN
easat-7236	217	49	of	of	ADP
easat-7236	217	50	reference	reference	NOUN
easat-7236	217	51	.	.	PUNCT
easat-7236	218	1	figure	figure	VERB
easat-7236	218	2	6	6	NUM
easat-7236	218	3	displays	display	NOUN
easat-7236	218	4	this	this	DET
easat-7236	218	5	three	three	NUM
easat-7236	218	6	-	-	PUNCT
easat-7236	218	7	field	field	NOUN
easat-7236	218	8	plot	plot	NOUN
easat-7236	218	9	for	for	ADP
easat-7236	218	10	the	the	DET
easat-7236	218	11	top	top	ADJ
easat-7236	218	12	journals	journal	NOUN
easat-7236	218	13	in	in	ADP
easat-7236	218	14	fintech	fintech	NOUN
easat-7236	218	15	and	and	CCONJ
easat-7236	218	16	financial	financial	ADJ
easat-7236	218	17	literacy	literacy	NOUN
easat-7236	218	18	,	,	PUNCT
easat-7236	218	19	which	which	PRON
easat-7236	218	20	include	include	VERB
easat-7236	218	21	the	the	DET
easat-7236	218	22	journal	journal	NOUN
easat-7236	218	23	of	of	ADP
easat-7236	218	24	ecohumanism	ecohumanism	NOUN
easat-7236	218	25	,	,	PUNCT
easat-7236	218	26	the	the	DET
easat-7236	218	27	borsa	borsa	PROPN
easat-7236	218	28	istanbul	istanbul	PROPN
easat-7236	218	29	review	review	PROPN
easat-7236	218	30	,	,	PUNCT
easat-7236	218	31	investment	investment	NOUN
easat-7236	218	32	management	management	NOUN
easat-7236	218	33	and	and	CCONJ
easat-7236	218	34	financial	financial	ADJ
easat-7236	218	35	innovations	innovation	NOUN
easat-7236	218	36	,	,	PUNCT
easat-7236	218	37	cogent	cogent	ADJ
easat-7236	218	38	social	social	ADJ
easat-7236	218	39	sciences	science	NOUN
easat-7236	218	40	,	,	PUNCT
easat-7236	218	41	and	and	CCONJ
easat-7236	218	42	cogent	cogent	NOUN
easat-7236	218	43	economics	economic	NOUN
easat-7236	218	44	and	and	CCONJ
easat-7236	218	45	finance	finance	NOUN
easat-7236	218	46	.	.	PUNCT
easat-7236	219	1	these	these	DET
easat-7236	219	2	journals	journal	NOUN
easat-7236	219	3	primarily	primarily	ADV
easat-7236	219	4	focus	focus	VERB
easat-7236	219	5	on	on	ADP
easat-7236	219	6	financial	financial	ADJ
easat-7236	219	7	literacy	literacy	NOUN
easat-7236	219	8	,	,	PUNCT
easat-7236	219	9	fintech	fintech	NOUN
easat-7236	219	10	,	,	PUNCT
easat-7236	219	11	and	and	CCONJ
easat-7236	219	12	financial	financial	ADJ
easat-7236	219	13	inclusion	inclusion	NOUN
easat-7236	219	14	.	.	PUNCT
easat-7236	220	1	while	while	SCONJ
easat-7236	220	2	a	a	DET
easat-7236	220	3	significant	significant	ADJ
easat-7236	220	4	portion	portion	NOUN
easat-7236	220	5	of	of	ADP
easat-7236	220	6	the	the	DET
easat-7236	220	7	content	content	NOUN
easat-7236	220	8	in	in	ADP
easat-7236	220	9	these	these	DET
easat-7236	220	10	journals	journal	NOUN
easat-7236	220	11	originates	originate	NOUN
easat-7236	220	12	from	from	ADP
easat-7236	220	13	indonesia	indonesia	PROPN
easat-7236	220	14	,	,	PUNCT
easat-7236	220	15	the	the	DET
easat-7236	220	16	united	united	PROPN
easat-7236	220	17	states	states	PROPN
easat-7236	220	18	,	,	PUNCT
easat-7236	220	19	india	india	PROPN
easat-7236	220	20	,	,	PUNCT
easat-7236	220	21	and	and	CCONJ
easat-7236	220	22	malaysia	malaysia	PROPN
easat-7236	220	23	,	,	PUNCT
easat-7236	220	24	the	the	DET
easat-7236	220	25	research	research	NOUN
easat-7236	220	26	on	on	ADP
easat-7236	220	27	financial	financial	ADJ
easat-7236	220	28	literacy	literacy	NOUN
easat-7236	220	29	and	and	CCONJ
easat-7236	220	30	fintech	fintech	NOUN
easat-7236	220	31	is	be	AUX
easat-7236	220	32	predominantly	predominantly	ADV
easat-7236	220	33	concentrated	concentrate	VERB
easat-7236	220	34	in	in	ADP
easat-7236	220	35	underdeveloped	underdeveloped	ADJ
easat-7236	220	36	countries	country	NOUN
easat-7236	220	37	.	.	PUNCT
easat-7236	221	1	this	this	DET
easat-7236	221	2	highlights	highlight	NOUN
easat-7236	221	3	the	the	DET
easat-7236	221	4	need	need	NOUN
easat-7236	221	5	for	for	ADP
easat-7236	221	6	further	further	ADJ
easat-7236	221	7	studies	study	NOUN
easat-7236	221	8	in	in	ADP
easat-7236	221	9	both	both	CCONJ
easat-7236	221	10	developing	develop	VERB
easat-7236	221	11	and	and	CCONJ
easat-7236	221	12	underdeveloped	underdeveloped	ADJ
easat-7236	221	13	contexts	context	NOUN
easat-7236	221	14	.	.	PUNCT
easat-7236	222	1	figure	figure	VERB
easat-7236	222	2	6	6	NUM
easat-7236	222	3	.	.	PUNCT
easat-7236	222	4	three	three	NUM
easat-7236	222	5	field	field	NOUN
easat-7236	222	6	plot	plot	NOUN
easat-7236	222	7	analysis	analysis	NOUN
easat-7236	222	8	.	.	PUNCT
easat-7236	223	1	3.9	3.9	NUM
easat-7236	223	2	.	.	PUNCT
easat-7236	224	1	co	co	NOUN
easat-7236	225	1	-	-	NOUN
easat-7236	225	2	occurrence	occurrence	NOUN
easat-7236	225	3	of	of	ADP
easat-7236	225	4	network	network	NOUN
easat-7236	225	5	within	within	ADP
easat-7236	225	6	a	a	DET
easat-7236	225	7	specific	specific	ADJ
easat-7236	225	8	study	study	NOUN
easat-7236	225	9	collection	collection	NOUN
easat-7236	225	10	,	,	PUNCT
easat-7236	225	11	the	the	DET
easat-7236	225	12	co	co	NOUN
easat-7236	225	13	-	-	ADJ
easat-7236	225	14	occurrence	occurrence	ADJ
easat-7236	225	15	network	network	NOUN
easat-7236	225	16	visualization	visualization	NOUN
easat-7236	225	17	illustrates	illustrate	VERB
easat-7236	225	18	the	the	DET
easat-7236	225	19	terms	term	NOUN
easat-7236	225	20	that	that	PRON
easat-7236	225	21	most	most	ADV
easat-7236	225	22	frequently	frequently	ADV
easat-7236	225	23	appear	appear	VERB
easat-7236	225	24	together	together	ADV
easat-7236	225	25	in	in	ADP
easat-7236	225	26	article	article	NOUN
easat-7236	225	27	titles	title	NOUN
easat-7236	225	28	,	,	PUNCT
easat-7236	225	29	abstracts	abstract	NOUN
easat-7236	225	30	,	,	PUNCT
easat-7236	225	31	and	and	CCONJ
easat-7236	225	32	keyword	keyword	NOUN
easat-7236	225	33	sections	section	NOUN
easat-7236	225	34	.	.	PUNCT
easat-7236	226	1	these	these	DET
easat-7236	226	2	networks	network	NOUN
easat-7236	226	3	are	be	AUX
easat-7236	226	4	valuable	valuable	ADJ
easat-7236	226	5	for	for	ADP
easat-7236	226	6	identifying	identify	VERB
easat-7236	226	7	connections	connection	NOUN
easat-7236	226	8	and	and	CCONJ
easat-7236	226	9	overlaps	overlap	NOUN
easat-7236	226	10	between	between	ADP
easat-7236	226	11	seemingly	seemingly	ADV
easat-7236	226	12	disparate	disparate	ADJ
easat-7236	226	13	research	research	NOUN
easat-7236	226	14	subjects	subject	NOUN
easat-7236	226	15	.	.	PUNCT
easat-7236	227	1	according	accord	VERB
easat-7236	227	2	to	to	PART
easat-7236	227	3	figure	figure	VERB
easat-7236	227	4	7	7	NUM
easat-7236	227	5	,	,	PUNCT
easat-7236	227	6	the	the	DET
easat-7236	227	7	most	most	ADV
easat-7236	227	8	frequently	frequently	ADV
easat-7236	227	9	used	use	VERB
easat-7236	227	10	keywords	keyword	NOUN
easat-7236	227	11	are	be	AUX
easat-7236	227	12	"	"	PUNCT
easat-7236	227	13	fintech	fintech	NOUN
easat-7236	227	14	,	,	PUNCT
easat-7236	227	15	"	"	PUNCT
easat-7236	227	16	"	"	PUNCT
easat-7236	227	17	financial	financial	ADJ
easat-7236	227	18	literacy	literacy	NOUN
easat-7236	227	19	,	,	PUNCT
easat-7236	227	20	"	"	PUNCT
easat-7236	227	21	and	and	CCONJ
easat-7236	227	22	"	"	PUNCT
easat-7236	227	23	financial	financial	ADJ
easat-7236	227	24	technology	technology	NOUN
easat-7236	227	25	.	.	PUNCT
easat-7236	227	26	"	"	PUNCT
easat-7236	228	1	1604	1604	NUM
easat-7236	228	2	edelweiss	edelweiss	PROPN
easat-7236	228	3	applied	apply	VERB
easat-7236	228	4	science	science	NOUN
easat-7236	228	5	and	and	CCONJ
easat-7236	228	6	technology	technology	NOUN
easat-7236	228	7	issn	issn	PROPN
easat-7236	228	8	:	:	PUNCT
easat-7236	228	9	2576	2576	NUM
easat-7236	228	10	-	-	SYM
easat-7236	228	11	8484	8484	NUM
easat-7236	228	12	vol	vol	NOUN
easat-7236	228	13	.	.	PROPN
easat-7236	229	1	9	9	NUM
easat-7236	229	2	,	,	PUNCT
easat-7236	229	3	no	no	INTJ
easat-7236	229	4	.	.	NOUN
easat-7236	229	5	5	5	NUM
easat-7236	229	6	:	:	SYM
easat-7236	229	7	1593	1593	NUM
easat-7236	229	8	-	-	SYM
easat-7236	229	9	1609	1609	NUM
easat-7236	229	10	,	,	PUNCT
easat-7236	229	11	2025	2025	NUM
easat-7236	229	12	doi	doi	NOUN
easat-7236	229	13	:	:	PUNCT
easat-7236	229	14	10.55214/25768484.v9i5.7236	10.55214/25768484.v9i5.7236	NUM
easat-7236	229	15	©	©	PROPN
easat-7236	229	16	2025	2025	NUM
easat-7236	229	17	by	by	ADP
easat-7236	229	18	the	the	DET
easat-7236	229	19	authors	author	NOUN
easat-7236	229	20	;	;	PUNCT
easat-7236	229	21	licensee	licensee	PROPN
easat-7236	229	22	learning	learn	VERB
easat-7236	229	23	gate	gate	NOUN
easat-7236	229	24	figure	figure	NOUN
easat-7236	229	25	7	7	NUM
easat-7236	229	26	.	.	PUNCT
easat-7236	229	27	co	co	NOUN
easat-7236	229	28	-	-	NOUN
easat-7236	229	29	occurrence	occurrence	NOUN
easat-7236	229	30	of	of	ADP
easat-7236	229	31	network	network	NOUN
easat-7236	229	32	.	.	PUNCT
easat-7236	230	1	3.10	3.10	NUM
easat-7236	230	2	.	.	PUNCT
easat-7236	230	3	world	world	NOUN
easat-7236	230	4	collaboration	collaboration	NOUN
easat-7236	230	5	map	map	NOUN
easat-7236	230	6	a	a	DET
easat-7236	230	7	worldwide	worldwide	ADJ
easat-7236	230	8	co	co	NOUN
easat-7236	230	9	-	-	NOUN
easat-7236	230	10	authorship	authorship	ADJ
easat-7236	230	11	study	study	NOUN
easat-7236	230	12	was	be	AUX
easat-7236	230	13	conducted	conduct	VERB
easat-7236	230	14	to	to	PART
easat-7236	230	15	understand	understand	VERB
easat-7236	230	16	the	the	DET
easat-7236	230	17	contributions	contribution	NOUN
easat-7236	230	18	of	of	ADP
easat-7236	230	19	different	different	ADJ
easat-7236	230	20	nations	nation	NOUN
easat-7236	230	21	to	to	ADP
easat-7236	230	22	the	the	DET
easat-7236	230	23	body	body	NOUN
easat-7236	230	24	of	of	ADP
easat-7236	230	25	knowledge	knowledge	NOUN
easat-7236	230	26	on	on	ADP
easat-7236	230	27	fintech	fintech	NOUN
easat-7236	230	28	and	and	CCONJ
easat-7236	230	29	financial	financial	ADJ
easat-7236	230	30	literacy	literacy	NOUN
easat-7236	230	31	research	research	NOUN
easat-7236	230	32	.	.	PUNCT
easat-7236	231	1	by	by	ADP
easat-7236	231	2	analyzing	analyze	VERB
easat-7236	231	3	co	co	NOUN
easat-7236	231	4	-	-	NOUN
easat-7236	231	5	authorship	authorship	ADJ
easat-7236	231	6	networks	network	NOUN
easat-7236	231	7	across	across	ADP
easat-7236	231	8	countries	country	NOUN
easat-7236	231	9	,	,	PUNCT
easat-7236	231	10	researchers	researcher	NOUN
easat-7236	231	11	gained	gain	VERB
easat-7236	231	12	insights	insight	NOUN
easat-7236	231	13	into	into	ADP
easat-7236	231	14	international	international	ADJ
easat-7236	231	15	collaboration	collaboration	NOUN
easat-7236	231	16	patterns	pattern	NOUN
easat-7236	231	17	on	on	ADP
easat-7236	231	18	this	this	DET
easat-7236	231	19	topic	topic	NOUN
easat-7236	231	20	,	,	PUNCT
easat-7236	231	21	revealing	reveal	VERB
easat-7236	231	22	how	how	SCONJ
easat-7236	231	23	various	various	ADJ
easat-7236	231	24	nations	nation	NOUN
easat-7236	231	25	partnered	partner	VERB
easat-7236	231	26	on	on	ADP
easat-7236	231	27	related	related	ADJ
easat-7236	231	28	research	research	NOUN
easat-7236	231	29	[	[	X
easat-7236	231	30	19	19	NUM
easat-7236	231	31	]	]	PUNCT
easat-7236	231	32	.	.	PUNCT
easat-7236	232	1	figure	figure	NOUN
easat-7236	232	2	8	8	NUM
easat-7236	232	3	highlights	highlight	NOUN
easat-7236	232	4	the	the	DET
easat-7236	232	5	top	top	ADJ
easat-7236	232	6	interacting	interact	VERB
easat-7236	232	7	nations	nation	NOUN
easat-7236	232	8	,	,	PUNCT
easat-7236	232	9	with	with	ADP
easat-7236	232	10	china	china	PROPN
easat-7236	232	11	and	and	CCONJ
easat-7236	232	12	indonesia	indonesia	PROPN
easat-7236	232	13	leading	lead	VERB
easat-7236	232	14	in	in	ADP
easat-7236	232	15	international	international	ADJ
easat-7236	232	16	collaboration	collaboration	NOUN
easat-7236	232	17	,	,	PUNCT
easat-7236	232	18	including	include	VERB
easat-7236	232	19	coauthors	coauthor	NOUN
easat-7236	232	20	from	from	ADP
easat-7236	232	21	indonesia	indonesia	PROPN
easat-7236	232	22	and	and	CCONJ
easat-7236	232	23	hungary	hungary	PROPN
easat-7236	232	24	.	.	PUNCT
easat-7236	233	1	bangladesh	bangladesh	PROPN
easat-7236	233	2	has	have	VERB
easat-7236	233	3	the	the	DET
easat-7236	233	4	second	second	ADV
easat-7236	233	5	-	-	PUNCT
easat-7236	233	6	highest	high	ADJ
easat-7236	233	7	level	level	NOUN
easat-7236	233	8	of	of	ADP
easat-7236	233	9	collaboration	collaboration	NOUN
easat-7236	233	10	with	with	ADP
easat-7236	233	11	china	china	PROPN
easat-7236	233	12	,	,	PUNCT
easat-7236	233	13	following	follow	VERB
easat-7236	233	14	australia	australia	PROPN
easat-7236	233	15	,	,	PUNCT
easat-7236	233	16	austria	austria	PROPN
easat-7236	233	17	,	,	PUNCT
easat-7236	233	18	canada	canada	PROPN
easat-7236	233	19	,	,	PUNCT
easat-7236	233	20	new	new	PROPN
easat-7236	233	21	zealand	zealand	PROPN
easat-7236	233	22	,	,	PUNCT
easat-7236	233	23	and	and	CCONJ
easat-7236	233	24	the	the	DET
easat-7236	233	25	united	united	ADJ
easat-7236	233	26	kingdom	kingdom	PROPN
easat-7236	233	27	.	.	PUNCT
easat-7236	234	1	overall	overall	ADJ
easat-7236	234	2	,	,	PUNCT
easat-7236	234	3	developed	develop	VERB
easat-7236	234	4	nations	nation	NOUN
easat-7236	234	5	exhibit	exhibit	VERB
easat-7236	234	6	a	a	DET
easat-7236	234	7	greater	great	ADJ
easat-7236	234	8	degree	degree	NOUN
easat-7236	234	9	of	of	ADP
easat-7236	234	10	collaboration	collaboration	NOUN
easat-7236	234	11	than	than	ADP
easat-7236	234	12	emerging	emerge	VERB
easat-7236	234	13	nations	nation	NOUN
easat-7236	234	14	.	.	PUNCT
easat-7236	235	1	figure	figure	VERB
easat-7236	235	2	8	8	NUM
easat-7236	235	3	.	.	PUNCT
easat-7236	236	1	world	world	NOUN
easat-7236	236	2	collaboration	collaboration	NOUN
easat-7236	236	3	map	map	NOUN
easat-7236	236	4	(	(	PUNCT
easat-7236	236	5	2017	2017	NUM
easat-7236	236	6	-	-	SYM
easat-7236	236	7	2024	2024	NUM
easat-7236	236	8	)	)	PUNCT
easat-7236	236	9	.	.	PUNCT
easat-7236	237	1	1605	1605	NUM
easat-7236	237	2	edelweiss	edelweiss	PROPN
easat-7236	237	3	applied	apply	VERB
easat-7236	237	4	science	science	NOUN
easat-7236	237	5	and	and	CCONJ
easat-7236	237	6	technology	technology	NOUN
easat-7236	237	7	issn	issn	PROPN
easat-7236	237	8	:	:	PUNCT
easat-7236	237	9	2576	2576	NUM
easat-7236	237	10	-	-	SYM
easat-7236	237	11	8484	8484	NUM
easat-7236	237	12	vol	vol	NOUN
easat-7236	237	13	.	.	PROPN
easat-7236	238	1	9	9	NUM
easat-7236	238	2	,	,	PUNCT
easat-7236	238	3	no	no	INTJ
easat-7236	238	4	.	.	NOUN
easat-7236	238	5	5	5	NUM
easat-7236	238	6	:	:	SYM
easat-7236	238	7	1593	1593	NUM
easat-7236	238	8	-	-	SYM
easat-7236	238	9	1609	1609	NUM
easat-7236	238	10	,	,	PUNCT
easat-7236	238	11	2025	2025	NUM
easat-7236	238	12	doi	doi	NOUN
easat-7236	238	13	:	:	PUNCT
easat-7236	238	14	10.55214/25768484.v9i5.7236	10.55214/25768484.v9i5.7236	NUM
easat-7236	238	15	©	©	PROPN
easat-7236	238	16	2025	2025	NUM
easat-7236	238	17	by	by	ADP
easat-7236	238	18	the	the	DET
easat-7236	238	19	authors	author	NOUN
easat-7236	238	20	;	;	PUNCT
easat-7236	238	21	licensee	licensee	PROPN
easat-7236	238	22	learning	learning	NOUN
easat-7236	238	23	gate	gate	NOUN
easat-7236	238	24	4	4	NUM
easat-7236	238	25	.	.	PUNCT
easat-7236	238	26	systematic	systematic	ADJ
easat-7236	238	27	evaluation	evaluation	NOUN
easat-7236	238	28	and	and	CCONJ
easat-7236	238	29	critical	critical	ADJ
easat-7236	238	30	analysis	analysis	NOUN
easat-7236	238	31	of	of	ADP
easat-7236	238	32	articles	article	NOUN
easat-7236	238	33	with	with	ADP
easat-7236	238	34	high	high	ADJ
easat-7236	238	35	citations	citation	NOUN
easat-7236	238	36	table	table	NOUN
easat-7236	238	37	5	5	NUM
easat-7236	238	38	.	.	PUNCT
easat-7236	238	39	systematic	systematic	ADJ
easat-7236	238	40	review	review	NOUN
easat-7236	238	41	of	of	ADP
easat-7236	238	42	literature	literature	NOUN
easat-7236	238	43	.	.	PUNCT
easat-7236	239	1	author	author	NOUN
easat-7236	239	2	citation	citation	PROPN
easat-7236	239	3	title	title	PROPN
easat-7236	239	4	journal	journal	PROPN
easat-7236	239	5	research	research	NOUN
easat-7236	239	6	focus	focus	NOUN
easat-7236	239	7	research	research	NOUN
easat-7236	239	8	methodology	methodology	NOUN
easat-7236	239	9	major	major	ADJ
easat-7236	239	10	research	research	NOUN
easat-7236	239	11	findings	finding	NOUN
easat-7236	239	12	yue	yue	PROPN
easat-7236	239	13	,	,	PUNCT
easat-7236	239	14	et	et	PROPN
easat-7236	239	15	al	al	PROPN
easat-7236	239	16	.	.	PUNCT
easat-7236	240	1	[	[	X
easat-7236	240	2	34	34	NUM
easat-7236	240	3	]	]	SYM
easat-7236	240	4	227	227	NUM
easat-7236	240	5	the	the	DET
easat-7236	240	6	rise	rise	NOUN
easat-7236	240	7	of	of	ADP
easat-7236	240	8	digital	digital	ADJ
easat-7236	240	9	finance	finance	NOUN
easat-7236	240	10	:	:	PUNCT
easat-7236	240	11	financial	financial	ADJ
easat-7236	240	12	inclusion	inclusion	NOUN
easat-7236	240	13	or	or	CCONJ
easat-7236	240	14	debt	debt	NOUN
easat-7236	240	15	trap	trap	NOUN
easat-7236	240	16	?	?	PUNCT
easat-7236	241	1	finance	finance	NOUN
easat-7236	241	2	research	research	NOUN
easat-7236	241	3	letters	letter	NOUN
easat-7236	241	4	this	this	DET
easat-7236	241	5	research	research	NOUN
easat-7236	241	6	centers	center	NOUN
easat-7236	241	7	on	on	ADP
easat-7236	241	8	the	the	DET
easat-7236	241	9	influence	influence	NOUN
easat-7236	241	10	of	of	ADP
easat-7236	241	11	digital	digital	ADJ
easat-7236	241	12	money	money	NOUN
easat-7236	241	13	on	on	ADP
easat-7236	241	14	households	household	NOUN
easat-7236	241	15	.	.	PUNCT
easat-7236	242	1	digital	digital	ADJ
easat-7236	242	2	banking	banking	NOUN
easat-7236	242	3	has	have	AUX
easat-7236	242	4	played	play	VERB
easat-7236	242	5	a	a	DET
easat-7236	242	6	significant	significant	ADJ
easat-7236	242	7	role	role	NOUN
easat-7236	242	8	in	in	ADP
easat-7236	242	9	expanding	expand	VERB
easat-7236	242	10	financial	financial	ADJ
easat-7236	242	11	inclusion	inclusion	NOUN
easat-7236	242	12	,	,	PUNCT
easat-7236	242	13	but	but	CCONJ
easat-7236	242	14	it	it	PRON
easat-7236	242	15	has	have	AUX
easat-7236	242	16	concurrently	concurrently	ADV
easat-7236	242	17	raised	raise	VERB
easat-7236	242	18	concerns	concern	NOUN
easat-7236	242	19	about	about	ADP
easat-7236	242	20	the	the	DET
easat-7236	242	21	potential	potential	NOUN
easat-7236	242	22	for	for	ADP
easat-7236	242	23	greater	great	ADJ
easat-7236	242	24	individual	individual	ADJ
easat-7236	242	25	indebtedness	indebtedness	NOUN
easat-7236	242	26	.	.	PUNCT
easat-7236	243	1	regression	regression	VERB
easat-7236	243	2	analysis	analysis	NOUN
easat-7236	243	3	a	a	DET
easat-7236	243	4	higher	high	ADJ
easat-7236	243	5	dfi	dfi	PROPN
easat-7236	243	6	index	index	NOUN
easat-7236	243	7	was	be	AUX
easat-7236	243	8	linked	link	VERB
easat-7236	243	9	to	to	ADP
easat-7236	243	10	an	an	DET
easat-7236	243	11	increased	increase	VERB
easat-7236	243	12	probability	probability	NOUN
easat-7236	243	13	of	of	ADP
easat-7236	243	14	households	household	NOUN
easat-7236	243	15	becoming	becoming	AUX
easat-7236	243	16	trapped	trap	VERB
easat-7236	243	17	in	in	ADP
easat-7236	243	18	debt	debt	NOUN
easat-7236	243	19	.	.	PUNCT
easat-7236	244	1	ozili	ozili	NOUN
easat-7236	245	1	[	[	X
easat-7236	245	2	5	5	NUM
easat-7236	245	3	]	]	SYM
easat-7236	245	4	208	208	NUM
easat-7236	245	5	financial	financial	ADJ
easat-7236	245	6	inclusion	inclusion	NOUN
easat-7236	245	7	research	research	NOUN
easat-7236	245	8	around	around	ADP
easat-7236	245	9	the	the	DET
easat-7236	245	10	world	world	NOUN
easat-7236	245	11	:	:	PUNCT
easat-7236	245	12	a	a	DET
easat-7236	245	13	review	review	NOUN
easat-7236	245	14	forum	forum	NOUN
easat-7236	245	15	for	for	ADP
easat-7236	245	16	social	social	ADJ
easat-7236	245	17	economics	economic	NOUN
easat-7236	245	18	policy	policy	NOUN
easat-7236	245	19	circles	circle	NOUN
easat-7236	245	20	are	be	AUX
easat-7236	245	21	currently	currently	ADV
easat-7236	245	22	debating	debate	VERB
easat-7236	245	23	controversies	controversy	NOUN
easat-7236	245	24	and	and	CCONJ
easat-7236	245	25	problems	problem	NOUN
easat-7236	245	26	surrounding	surround	VERB
easat-7236	245	27	financial	financial	ADJ
easat-7236	245	28	inclusion	inclusion	NOUN
easat-7236	245	29	.	.	PUNCT
easat-7236	246	1	this	this	PRON
easat-7236	246	2	is	be	AUX
easat-7236	246	3	occurring	occur	VERB
easat-7236	246	4	against	against	ADP
easat-7236	246	5	a	a	DET
easat-7236	246	6	backdrop	backdrop	NOUN
easat-7236	246	7	of	of	ADP
easat-7236	246	8	recent	recent	ADJ
easat-7236	246	9	shifts	shift	NOUN
easat-7236	246	10	in	in	ADP
easat-7236	246	11	financial	financial	ADJ
easat-7236	246	12	inclusion	inclusion	NOUN
easat-7236	246	13	practices	practice	NOUN
easat-7236	246	14	across	across	ADP
easat-7236	246	15	various	various	ADJ
easat-7236	246	16	nations	nation	NOUN
easat-7236	246	17	and	and	CCONJ
easat-7236	246	18	regions	region	NOUN
easat-7236	246	19	.	.	PUNCT
easat-7236	247	1	systematic	systematic	ADJ
easat-7236	247	2	literature	literature	PROPN
easat-7236	247	3	review	review	VERB
easat-7236	247	4	the	the	DET
easat-7236	247	5	implementation	implementation	NOUN
easat-7236	247	6	of	of	ADP
easat-7236	247	7	financial	financial	ADJ
easat-7236	247	8	inclusion	inclusion	NOUN
easat-7236	247	9	poses	pose	VERB
easat-7236	247	10	differentiated	differentiated	ADJ
easat-7236	247	11	challenges	challenge	NOUN
easat-7236	247	12	for	for	ADP
easat-7236	247	13	industrialized	industrialized	ADJ
easat-7236	247	14	and	and	CCONJ
easat-7236	247	15	developing	develop	VERB
easat-7236	247	16	countries	country	NOUN
easat-7236	247	17	alike	alike	ADV
easat-7236	247	18	.	.	PUNCT
easat-7236	248	1	jünger	jünger	NOUN
easat-7236	248	2	and	and	CCONJ
easat-7236	248	3	mietzner	mietzner	NOUN
easat-7236	248	4	[	[	X
easat-7236	248	5	35	35	NUM
easat-7236	248	6	]	]	SYM
easat-7236	248	7	197	197	NUM
easat-7236	248	8	banking	banking	NOUN
easat-7236	248	9	goes	go	VERB
easat-7236	248	10	digital	digital	ADJ
easat-7236	248	11	:	:	PUNCT
easat-7236	248	12	the	the	DET
easat-7236	248	13	adoption	adoption	NOUN
easat-7236	248	14	of	of	ADP
easat-7236	248	15	fintech	fintech	NOUN
easat-7236	248	16	services	service	NOUN
easat-7236	248	17	by	by	ADP
easat-7236	248	18	german	german	ADJ
easat-7236	248	19	households	household	NOUN
easat-7236	248	20	finance	finance	NOUN
easat-7236	248	21	research	research	NOUN
easat-7236	248	22	letters	letter	NOUN
easat-7236	248	23	this	this	DET
easat-7236	248	24	research	research	NOUN
easat-7236	248	25	recognizes	recognize	VERB
easat-7236	248	26	the	the	DET
easat-7236	248	27	reasons	reason	NOUN
easat-7236	248	28	underlying	underlie	VERB
easat-7236	248	29	germany	germany	NOUN
easat-7236	248	30	's	's	PART
easat-7236	248	31	comparatively	comparatively	ADV
easat-7236	248	32	lower	low	ADJ
easat-7236	248	33	adoption	adoption	NOUN
easat-7236	248	34	of	of	ADP
easat-7236	248	35	digital	digital	ADJ
easat-7236	248	36	financial	financial	ADJ
easat-7236	248	37	technologies	technology	NOUN
easat-7236	248	38	.	.	PUNCT
easat-7236	249	1	the	the	DET
easat-7236	249	2	study	study	NOUN
easat-7236	249	3	analyzes	analyze	VERB
easat-7236	249	4	the	the	DET
easat-7236	249	5	connection	connection	NOUN
easat-7236	249	6	between	between	ADP
easat-7236	249	7	household	household	NOUN
easat-7236	249	8	traits	trait	NOUN
easat-7236	249	9	and	and	CCONJ
easat-7236	249	10	the	the	DET
easat-7236	249	11	likelihood	likelihood	NOUN
easat-7236	249	12	of	of	ADP
easat-7236	249	13	fintech	fintech	NOUN
easat-7236	249	14	adoption	adoption	NOUN
easat-7236	249	15	.	.	PUNCT
easat-7236	250	1	principal	principal	ADJ
easat-7236	250	2	component	component	NOUN
easat-7236	250	3	analysis	analysis	NOUN
easat-7236	250	4	(	(	PUNCT
easat-7236	250	5	pca	pca	NOUN
easat-7236	250	6	)	)	PUNCT
easat-7236	250	7	,	,	PUNCT
easat-7236	250	8	regression	regression	VERB
easat-7236	250	9	analysis	analysis	NOUN
easat-7236	250	10	the	the	DET
easat-7236	250	11	utilization	utilization	NOUN
easat-7236	250	12	of	of	ADP
easat-7236	250	13	fintech	fintech	NOUN
easat-7236	250	14	services	service	NOUN
easat-7236	250	15	was	be	AUX
easat-7236	250	16	more	more	ADV
easat-7236	250	17	prevalent	prevalent	ADJ
easat-7236	250	18	among	among	ADP
easat-7236	250	19	households	household	NOUN
easat-7236	250	20	demonstrating	demonstrate	VERB
easat-7236	250	21	higher	high	ADJ
easat-7236	250	22	levels	level	NOUN
easat-7236	250	23	of	of	ADP
easat-7236	250	24	financial	financial	ADJ
easat-7236	250	25	knowledge	knowledge	NOUN
easat-7236	250	26	and	and	CCONJ
easat-7236	250	27	proficiency	proficiency	NOUN
easat-7236	250	28	.	.	PUNCT
easat-7236	251	1	younger	young	ADJ
easat-7236	251	2	respondents	respondent	NOUN
easat-7236	251	3	displayed	display	VERB
easat-7236	251	4	an	an	DET
easat-7236	251	5	increased	increase	VERB
easat-7236	251	6	propensity	propensity	NOUN
easat-7236	251	7	to	to	PART
easat-7236	251	8	adopt	adopt	VERB
easat-7236	251	9	fintechs	fintech	NOUN
easat-7236	251	10	,	,	PUNCT
easat-7236	251	11	suggesting	suggest	VERB
easat-7236	251	12	a	a	DET
easat-7236	251	13	greater	great	ADJ
easat-7236	251	14	receptiveness	receptiveness	NOUN
easat-7236	251	15	to	to	ADP
easat-7236	251	16	digital	digital	ADJ
easat-7236	251	17	innovation	innovation	NOUN
easat-7236	251	18	among	among	ADP
easat-7236	251	19	this	this	DET
easat-7236	251	20	age	age	NOUN
easat-7236	251	21	group	group	NOUN
easat-7236	251	22	.	.	PUNCT
easat-7236	252	1	hasan	hasan	PROPN
easat-7236	252	2	,	,	PUNCT
easat-7236	252	3	et	et	PROPN
easat-7236	252	4	al	al	PROPN
easat-7236	252	5	.	.	PUNCT
easat-7236	253	1	[	[	X
easat-7236	253	2	17	17	NUM
easat-7236	253	3	]	]	SYM
easat-7236	253	4	133	133	NUM
easat-7236	253	5	how	how	SCONJ
easat-7236	253	6	does	do	VERB
easat-7236	253	7	financial	financial	ADJ
easat-7236	253	8	literacy	literacy	NOUN
easat-7236	253	9	impact	impact	NOUN
easat-7236	253	10	on	on	ADP
easat-7236	253	11	inclusive	inclusive	ADJ
easat-7236	253	12	finance	finance	NOUN
easat-7236	253	13	?	?	PUNCT
easat-7236	254	1	financial	financial	ADJ
easat-7236	254	2	innovation	innovation	NOUN
easat-7236	254	3	the	the	DET
easat-7236	254	4	objective	objective	NOUN
easat-7236	254	5	of	of	ADP
easat-7236	254	6	this	this	DET
easat-7236	254	7	research	research	NOUN
easat-7236	254	8	was	be	AUX
easat-7236	254	9	to	to	PART
easat-7236	254	10	ascertain	ascertain	VERB
easat-7236	254	11	the	the	DET
easat-7236	254	12	relationship	relationship	NOUN
easat-7236	254	13	between	between	ADP
easat-7236	254	14	individuals	individual	NOUN
easat-7236	254	15	'	'	PART
easat-7236	254	16	financial	financial	ADJ
easat-7236	254	17	literacy	literacy	NOUN
easat-7236	254	18	levels	level	NOUN
easat-7236	254	19	and	and	CCONJ
easat-7236	254	20	their	their	PRON
easat-7236	254	21	ability	ability	NOUN
easat-7236	254	22	to	to	PART
easat-7236	254	23	access	access	VERB
easat-7236	254	24	and	and	CCONJ
easat-7236	254	25	effectively	effectively	ADV
easat-7236	254	26	utilize	utilize	VERB
easat-7236	254	27	financial	financial	ADJ
easat-7236	254	28	services	service	NOUN
easat-7236	254	29	.	.	PUNCT
easat-7236	255	1	logistic	logistic	ADJ
easat-7236	255	2	regression	regression	NOUN
easat-7236	255	3	,	,	PUNCT
easat-7236	255	4	probit	probit	NOUN
easat-7236	255	5	regression	regression	NOUN
easat-7236	255	6	,	,	PUNCT
easat-7236	255	7	complementary	complementary	ADJ
easat-7236	255	8	loglog	loglog	NOUN
easat-7236	255	9	regressions	regression	NOUN
easat-7236	255	10	the	the	DET
easat-7236	255	11	report	report	NOUN
easat-7236	255	12	states	state	VERB
easat-7236	255	13	that	that	SCONJ
easat-7236	255	14	financial	financial	ADJ
easat-7236	255	15	inclusion	inclusion	NOUN
easat-7236	255	16	is	be	AUX
easat-7236	255	17	crucial	crucial	ADJ
easat-7236	255	18	for	for	ADP
easat-7236	255	19	reducing	reduce	VERB
easat-7236	255	20	poverty	poverty	NOUN
easat-7236	255	21	and	and	CCONJ
easat-7236	255	22	boosting	boost	VERB
easat-7236	255	23	prosperity	prosperity	NOUN
easat-7236	255	24	in	in	ADP
easat-7236	255	25	developing	develop	VERB
easat-7236	255	26	countries	country	NOUN
easat-7236	255	27	.	.	PUNCT
easat-7236	256	1	setiawan	setiawan	PROPN
easat-7236	256	2	,	,	PUNCT
easat-7236	256	3	et	et	PROPN
easat-7236	256	4	al	al	PROPN
easat-7236	256	5	.	.	PUNCT
easat-7236	257	1	[	[	X
easat-7236	257	2	32	32	NUM
easat-7236	257	3	]	]	SYM
easat-7236	257	4	113	113	NUM
easat-7236	257	5	user	user	NOUN
easat-7236	257	6	innovativeness	innovativeness	NOUN
easat-7236	257	7	and	and	CCONJ
easat-7236	257	8	fintech	fintech	NOUN
easat-7236	257	9	adoption	adoption	NOUN
easat-7236	257	10	in	in	ADP
easat-7236	257	11	indonesia	indonesia	PROPN
easat-7236	257	12	journal	journal	PROPN
easat-7236	257	13	of	of	ADP
easat-7236	257	14	open	open	ADJ
easat-7236	257	15	innovation	innovation	NOUN
easat-7236	257	16	:	:	PUNCT
easat-7236	257	17	technolog	technolog	NOUN
easat-7236	257	18	y	y	PROPN
easat-7236	257	19	,	,	PUNCT
easat-7236	257	20	market	market	NOUN
easat-7236	257	21	,	,	PUNCT
easat-7236	257	22	and	and	CCONJ
easat-7236	257	23	complexity	complexity	NOUN
easat-7236	257	24	this	this	DET
easat-7236	257	25	study	study	NOUN
easat-7236	257	26	investigates	investigate	VERB
easat-7236	257	27	the	the	DET
easat-7236	257	28	factors	factor	NOUN
easat-7236	257	29	influencing	influence	VERB
easat-7236	257	30	fintech	fintech	NOUN
easat-7236	257	31	adoption	adoption	NOUN
easat-7236	257	32	in	in	ADP
easat-7236	257	33	indonesia	indonesia	PROPN
easat-7236	257	34	,	,	PUNCT
easat-7236	257	35	with	with	ADP
easat-7236	257	36	a	a	DET
easat-7236	257	37	particular	particular	ADJ
easat-7236	257	38	focus	focus	NOUN
easat-7236	257	39	on	on	ADP
easat-7236	257	40	how	how	SCONJ
easat-7236	257	41	fintech	fintech	NOUN
easat-7236	257	42	can	can	AUX
easat-7236	257	43	enhance	enhance	VERB
easat-7236	257	44	financial	financial	ADJ
easat-7236	257	45	inclusion	inclusion	NOUN
easat-7236	257	46	for	for	ADP
easat-7236	257	47	unbanked	unbanked	ADJ
easat-7236	257	48	populations	population	NOUN
easat-7236	257	49	.	.	PUNCT
easat-7236	258	1	specifically	specifically	ADV
easat-7236	258	2	,	,	PUNCT
easat-7236	258	3	it	it	PRON
easat-7236	258	4	examines	examine	VERB
easat-7236	258	5	the	the	DET
easat-7236	258	6	relationships	relationship	NOUN
easat-7236	258	7	between	between	ADP
easat-7236	258	8	user	user	NOUN
easat-7236	258	9	attitude	attitude	NOUN
easat-7236	258	10	,	,	PUNCT
easat-7236	258	11	financial	financial	ADJ
easat-7236	258	12	literacy	literacy	NOUN
easat-7236	258	13	,	,	PUNCT
easat-7236	258	14	innovativeness	innovativeness	NOUN
easat-7236	258	15	,	,	PUNCT
easat-7236	258	16	and	and	CCONJ
easat-7236	258	17	fintech	fintech	NOUN
easat-7236	258	18	adoption	adoption	NOUN
easat-7236	258	19	.	.	PUNCT
easat-7236	259	1	path	path	NOUN
easat-7236	259	2	modelling	model	VERB
easat-7236	259	3	contrary	contrary	ADV
easat-7236	259	4	to	to	ADP
easat-7236	259	5	popular	popular	ADJ
easat-7236	259	6	belief	belief	NOUN
easat-7236	259	7	,	,	PUNCT
easat-7236	259	8	financial	financial	ADJ
easat-7236	259	9	literacy	literacy	NOUN
easat-7236	259	10	had	have	VERB
easat-7236	259	11	the	the	DET
easat-7236	259	12	least	least	ADJ
easat-7236	259	13	significant	significant	ADJ
easat-7236	259	14	impact	impact	NOUN
easat-7236	259	15	on	on	ADP
easat-7236	259	16	fintech	fintech	NOUN
easat-7236	259	17	adoption	adoption	NOUN
easat-7236	259	18	in	in	ADP
easat-7236	259	19	this	this	DET
easat-7236	259	20	study	study	NOUN
easat-7236	259	21	.	.	PUNCT
easat-7236	260	1	this	this	DET
easat-7236	260	2	finding	finding	NOUN
easat-7236	260	3	suggests	suggest	VERB
easat-7236	260	4	that	that	SCONJ
easat-7236	260	5	because	because	SCONJ
easat-7236	260	6	fintech	fintech	NOUN
easat-7236	260	7	often	often	ADV
easat-7236	260	8	requires	require	VERB
easat-7236	260	9	relatively	relatively	ADV
easat-7236	260	10	low	low	ADJ
easat-7236	260	11	levels	level	NOUN
easat-7236	260	12	of	of	ADP
easat-7236	260	13	financial	financial	ADJ
easat-7236	260	14	literacy	literacy	NOUN
easat-7236	260	15	,	,	PUNCT
easat-7236	260	16	it	it	PRON
easat-7236	260	17	holds	hold	VERB
easat-7236	260	18	significant	significant	ADJ
easat-7236	260	19	potential	potential	NOUN
easat-7236	260	20	for	for	ADP
easat-7236	260	21	reaching	reach	VERB
easat-7236	260	22	unbanked	unbanked	ADJ
easat-7236	260	23	individuals	individual	NOUN
easat-7236	260	24	.	.	PUNCT
easat-7236	261	1	kass	kass	NOUN
easat-7236	261	2	-	-	PUNCT
easat-7236	261	3	hanna	hanna	PROPN
easat-7236	261	4	,	,	PUNCT
easat-7236	261	5	et	et	PROPN
easat-7236	261	6	al	al	PROPN
easat-7236	261	7	.	.	PUNCT
easat-7236	262	1	[	[	X
easat-7236	262	2	6	6	NUM
easat-7236	262	3	]	]	SYM
easat-7236	262	4	112	112	NUM
easat-7236	262	5	building	building	NOUN
easat-7236	262	6	financial	financial	ADJ
easat-7236	262	7	resilience	resilience	NOUN
easat-7236	262	8	through	through	ADP
easat-7236	262	9	emerging	emerge	VERB
easat-7236	262	10	markets	market	NOUN
easat-7236	262	11	this	this	DET
easat-7236	262	12	research	research	NOUN
easat-7236	262	13	explores	explore	VERB
easat-7236	262	14	the	the	DET
easat-7236	262	15	association	association	NOUN
easat-7236	262	16	between	between	ADP
easat-7236	262	17	financial	financial	ADJ
easat-7236	262	18	and	and	CCONJ
easat-7236	262	19	digital	digital	ADJ
easat-7236	262	20	literacy	literacy	NOUN
easat-7236	262	21	and	and	CCONJ
easat-7236	262	22	correlation	correlation	NOUN
easat-7236	262	23	and	and	CCONJ
easat-7236	262	24	regression	regression	NOUN
easat-7236	262	25	analysis	analysis	NOUN
easat-7236	262	26	.	.	PUNCT
easat-7236	263	1	the	the	DET
easat-7236	263	2	study	study	NOUN
easat-7236	263	3	found	find	VERB
easat-7236	263	4	that	that	SCONJ
easat-7236	263	5	digital	digital	ADJ
easat-7236	263	6	and	and	CCONJ
easat-7236	263	7	financial	financial	ADJ
easat-7236	263	8	literacy	literacy	NOUN
easat-7236	263	9	were	be	AUX
easat-7236	263	10	important	important	ADJ
easat-7236	263	11	components	component	NOUN
easat-7236	263	12	in	in	ADP
easat-7236	263	13	1606	1606	NUM
easat-7236	263	14	edelweiss	edelweiss	PROPN
easat-7236	263	15	applied	apply	VERB
easat-7236	263	16	science	science	NOUN
easat-7236	263	17	and	and	CCONJ
easat-7236	263	18	technology	technology	NOUN
easat-7236	263	19	issn	issn	PROPN
easat-7236	263	20	:	:	PUNCT
easat-7236	263	21	2576	2576	NUM
easat-7236	263	22	-	-	SYM
easat-7236	263	23	8484	8484	NUM
easat-7236	263	24	vol	vol	NOUN
easat-7236	263	25	.	.	PROPN
easat-7236	264	1	9	9	NUM
easat-7236	264	2	,	,	PUNCT
easat-7236	264	3	no	no	INTJ
easat-7236	264	4	.	.	NOUN
easat-7236	264	5	5	5	NUM
easat-7236	264	6	:	:	SYM
easat-7236	264	7	1593	1593	NUM
easat-7236	264	8	-	-	SYM
easat-7236	264	9	1609	1609	NUM
easat-7236	264	10	,	,	PUNCT
easat-7236	264	11	2025	2025	NUM
easat-7236	264	12	doi	doi	NOUN
easat-7236	264	13	:	:	PUNCT
easat-7236	264	14	10.55214/25768484.v9i5.7236	10.55214/25768484.v9i5.7236	NUM
easat-7236	264	15	©	©	PROPN
easat-7236	264	16	2025	2025	NUM
easat-7236	264	17	by	by	ADP
easat-7236	264	18	the	the	DET
easat-7236	264	19	authors	author	NOUN
easat-7236	264	20	;	;	PUNCT
easat-7236	264	21	licensee	licensee	PROPN
easat-7236	264	22	learning	learn	VERB
easat-7236	264	23	gate	gate	PROPN
easat-7236	264	24	financial	financial	ADJ
easat-7236	264	25	and	and	CCONJ
easat-7236	264	26	digital	digital	ADJ
easat-7236	264	27	literacy	literacy	NOUN
easat-7236	264	28	in	in	ADP
easat-7236	264	29	south	south	PROPN
easat-7236	264	30	asia	asia	PROPN
easat-7236	264	31	and	and	CCONJ
easat-7236	265	1	sub	sub	ADJ
easat-7236	265	2	-	-	ADJ
easat-7236	265	3	saharan	saharan	ADJ
easat-7236	265	4	africa	africa	PROPN
easat-7236	265	5	review	review	VERB
easat-7236	265	6	financial	financial	ADJ
easat-7236	265	7	behavior	behavior	NOUN
easat-7236	265	8	that	that	PRON
easat-7236	265	9	builds	build	VERB
easat-7236	265	10	resilience	resilience	NOUN
easat-7236	265	11	.	.	PUNCT
easat-7236	266	1	specifically	specifically	ADV
easat-7236	266	2	,	,	PUNCT
easat-7236	266	3	it	it	PRON
easat-7236	266	4	investigates	investigate	VERB
easat-7236	266	5	how	how	SCONJ
easat-7236	266	6	both	both	CCONJ
easat-7236	266	7	traditional	traditional	ADJ
easat-7236	266	8	and	and	CCONJ
easat-7236	266	9	digital	digital	ADJ
easat-7236	266	10	literacy	literacy	NOUN
easat-7236	266	11	influence	influence	NOUN
easat-7236	266	12	financial	financial	ADJ
easat-7236	266	13	behaviors	behavior	NOUN
easat-7236	266	14	such	such	ADJ
easat-7236	266	15	as	as	ADP
easat-7236	266	16	saving	saving	NOUN
easat-7236	266	17	,	,	PUNCT
easat-7236	266	18	borrowing	borrowing	NOUN
easat-7236	266	19	,	,	PUNCT
easat-7236	266	20	and	and	CCONJ
easat-7236	266	21	risk	risk	NOUN
easat-7236	266	22	management	management	NOUN
easat-7236	266	23	.	.	PUNCT
easat-7236	267	1	construction	construction	NOUN
easat-7236	267	2	.	.	PUNCT
easat-7236	268	1	the	the	DET
easat-7236	268	2	results	result	NOUN
easat-7236	268	3	highlight	highlight	VERB
easat-7236	268	4	the	the	DET
easat-7236	268	5	necessity	necessity	NOUN
easat-7236	268	6	of	of	ADP
easat-7236	268	7	redefining	redefine	VERB
easat-7236	268	8	traditional	traditional	ADJ
easat-7236	268	9	financial	financial	ADJ
easat-7236	268	10	literacy	literacy	NOUN
easat-7236	268	11	to	to	PART
easat-7236	268	12	encompass	encompass	VERB
easat-7236	268	13	digital	digital	ADJ
easat-7236	268	14	literacy	literacy	NOUN
easat-7236	268	15	,	,	PUNCT
easat-7236	268	16	suggesting	suggest	VERB
easat-7236	268	17	a	a	DET
easat-7236	268	18	dual	dual	ADJ
easat-7236	268	19	approach	approach	NOUN
easat-7236	268	20	that	that	PRON
easat-7236	268	21	combines	combine	VERB
easat-7236	268	22	both	both	CCONJ
easat-7236	268	23	financial	financial	ADJ
easat-7236	268	24	and	and	CCONJ
easat-7236	268	25	digital	digital	ADJ
easat-7236	268	26	literacy	literacy	NOUN
easat-7236	268	27	.	.	PUNCT
easat-7236	269	1	philippas	philippa	NOUN
easat-7236	269	2	and	and	CCONJ
easat-7236	269	3	avdoulas	avdoula	NOUN
easat-7236	269	4	[	[	X
easat-7236	269	5	19	19	NUM
easat-7236	269	6	]	]	SYM
easat-7236	269	7	107	107	NUM
easat-7236	269	8	financial	financial	ADJ
easat-7236	269	9	literacy	literacy	NOUN
easat-7236	269	10	and	and	CCONJ
easat-7236	269	11	financial	financial	ADJ
easat-7236	269	12	wellbeing	wellbee	VERB
easat-7236	269	13	among	among	ADP
easat-7236	269	14	generation	generation	NOUN
easat-7236	269	15	-	-	PUNCT
easat-7236	269	16	z	z	NOUN
easat-7236	269	17	university	university	NOUN
easat-7236	269	18	students	student	NOUN
easat-7236	269	19	:	:	PUNCT
easat-7236	269	20	evidence	evidence	NOUN
easat-7236	269	21	from	from	ADP
easat-7236	269	22	greece	greece	PROPN
easat-7236	269	23	european	european	PROPN
easat-7236	269	24	journal	journal	PROPN
easat-7236	269	25	of	of	ADP
easat-7236	269	26	finance	finance	NOUN
easat-7236	269	27	this	this	DET
easat-7236	269	28	research	research	NOUN
easat-7236	269	29	evaluates	evaluate	VERB
easat-7236	269	30	the	the	DET
easat-7236	269	31	link	link	NOUN
easat-7236	269	32	between	between	ADP
easat-7236	269	33	three	three	NUM
easat-7236	269	34	important	important	ADJ
easat-7236	269	35	elements	element	NOUN
easat-7236	269	36	:	:	PUNCT
easat-7236	269	37	financial	financial	ADJ
easat-7236	269	38	literacy	literacy	NOUN
easat-7236	269	39	,	,	PUNCT
easat-7236	269	40	financial	financial	ADJ
easat-7236	269	41	vulnerability	vulnerability	NOUN
easat-7236	269	42	,	,	PUNCT
easat-7236	269	43	and	and	CCONJ
easat-7236	269	44	financial	financial	ADJ
easat-7236	269	45	prosperity	prosperity	NOUN
easat-7236	269	46	,	,	PUNCT
easat-7236	269	47	focusing	focus	VERB
easat-7236	269	48	on	on	ADP
easat-7236	269	49	generation	generation	NOUN
easat-7236	269	50	z	z	PROPN
easat-7236	269	51	university	university	NOUN
easat-7236	269	52	students	student	NOUN
easat-7236	269	53	in	in	ADP
easat-7236	269	54	greece	greece	PROPN
easat-7236	269	55	who	who	PRON
easat-7236	269	56	encountered	encounter	VERB
easat-7236	269	57	a	a	DET
easat-7236	269	58	unique	unique	ADJ
easat-7236	269	59	financial	financial	ADJ
easat-7236	269	60	crisis	crisis	NOUN
easat-7236	269	61	.	.	PUNCT
easat-7236	270	1	•	•	NUM
easat-7236	270	2	chi	chi	ADJ
easat-7236	270	3	-	-	PUNCT
easat-7236	270	4	square	square	ADJ
easat-7236	270	5	tests	test	NOUN
easat-7236	270	6	•	•	ADP
easat-7236	270	7	logistic	logistic	ADJ
easat-7236	270	8	regressions	regression	NOUN
easat-7236	270	9	•	•	ADP
easat-7236	270	10	marginal	marginal	ADJ
easat-7236	270	11	effect	effect	NOUN
easat-7236	270	12	analysis	analysis	NOUN
easat-7236	270	13	the	the	DET
easat-7236	270	14	study	study	NOUN
easat-7236	270	15	found	find	VERB
easat-7236	270	16	that	that	SCONJ
easat-7236	270	17	financially	financially	ADV
easat-7236	270	18	literate	literate	ADJ
easat-7236	270	19	students	student	NOUN
easat-7236	270	20	were	be	AUX
easat-7236	270	21	better	well	ADV
easat-7236	270	22	prepared	prepared	ADJ
easat-7236	270	23	to	to	PART
easat-7236	270	24	cope	cope	VERB
easat-7236	270	25	with	with	ADP
easat-7236	270	26	unforeseen	unforeseen	ADJ
easat-7236	270	27	financial	financial	ADJ
easat-7236	270	28	setbacks	setback	NOUN
easat-7236	270	29	,	,	PUNCT
easat-7236	270	30	and	and	CCONJ
easat-7236	270	31	their	their	PRON
easat-7236	270	32	level	level	NOUN
easat-7236	270	33	of	of	ADP
easat-7236	270	34	financial	financial	ADJ
easat-7236	270	35	knowledge	knowledge	NOUN
easat-7236	270	36	significantly	significantly	ADV
easat-7236	270	37	contributed	contribute	VERB
easat-7236	270	38	to	to	ADP
easat-7236	270	39	the	the	DET
easat-7236	270	40	financial	financial	ADJ
easat-7236	270	41	well	well	NOUN
easat-7236	270	42	-	-	PUNCT
easat-7236	270	43	being	being	NOUN
easat-7236	270	44	of	of	ADP
easat-7236	270	45	greek	greek	ADJ
easat-7236	270	46	university	university	NOUN
easat-7236	270	47	students	student	NOUN
easat-7236	270	48	.	.	PUNCT
easat-7236	271	1	chan	chan	PROPN
easat-7236	271	2	,	,	PUNCT
easat-7236	271	3	et	et	PROPN
easat-7236	271	4	al	al	PROPN
easat-7236	271	5	.	.	PUNCT
easat-7236	272	1	[	[	X
easat-7236	272	2	36	36	NUM
easat-7236	272	3	]	]	SYM
easat-7236	272	4	99	99	NUM
easat-7236	272	5	towards	towards	ADP
easat-7236	272	6	an	an	DET
easat-7236	272	7	understanding	understanding	NOUN
easat-7236	272	8	of	of	ADP
easat-7236	272	9	consumers	consumer	NOUN
easat-7236	272	10	’	'	PUNCT
easat-7236	272	11	fintech	fintech	NOUN
easat-7236	272	12	adoption	adoption	NOUN
easat-7236	272	13	:	:	PUNCT
easat-7236	272	14	the	the	DET
easat-7236	272	15	case	case	NOUN
easat-7236	272	16	of	of	ADP
easat-7236	272	17	open	open	ADJ
easat-7236	272	18	banking	banking	NOUN
easat-7236	272	19	internation	internation	PROPN
easat-7236	272	20	al	al	PROPN
easat-7236	272	21	journal	journal	PROPN
easat-7236	272	22	of	of	ADP
easat-7236	272	23	bank	bank	PROPN
easat-7236	272	24	marketing	marketing	NOUN
easat-7236	272	25	this	this	DET
easat-7236	272	26	study	study	NOUN
easat-7236	272	27	aims	aim	VERB
easat-7236	272	28	to	to	PART
easat-7236	272	29	identify	identify	VERB
easat-7236	272	30	the	the	DET
easat-7236	272	31	key	key	ADJ
easat-7236	272	32	factors	factor	NOUN
easat-7236	272	33	influencing	influence	VERB
easat-7236	272	34	consumer	consumer	NOUN
easat-7236	272	35	acceptance	acceptance	NOUN
easat-7236	272	36	of	of	ADP
easat-7236	272	37	open	open	ADJ
easat-7236	272	38	banking	banking	NOUN
easat-7236	272	39	.	.	PUNCT
easat-7236	273	1	to	to	PART
easat-7236	273	2	achieve	achieve	VERB
easat-7236	273	3	this	this	PRON
easat-7236	273	4	,	,	PUNCT
easat-7236	273	5	the	the	DET
easat-7236	273	6	study	study	NOUN
easat-7236	273	7	utilizes	utilize	VERB
easat-7236	273	8	a	a	DET
easat-7236	273	9	model	model	NOUN
easat-7236	273	10	that	that	PRON
easat-7236	273	11	builds	build	VERB
easat-7236	273	12	upon	upon	SCONJ
easat-7236	273	13	the	the	DET
easat-7236	273	14	unified	unified	ADJ
easat-7236	273	15	theory	theory	NOUN
easat-7236	273	16	of	of	ADP
easat-7236	273	17	acceptance	acceptance	NOUN
easat-7236	273	18	and	and	CCONJ
easat-7236	273	19	use	use	NOUN
easat-7236	273	20	of	of	ADP
easat-7236	273	21	technology	technology	NOUN
easat-7236	273	22	(	(	PUNCT
easat-7236	273	23	utaut	utaut	PROPN
easat-7236	273	24	)	)	PUNCT
easat-7236	273	25	by	by	ADP
easat-7236	273	26	incorporating	incorporate	VERB
easat-7236	273	27	perceived	perceive	VERB
easat-7236	273	28	risk	risk	NOUN
easat-7236	273	29	,	,	PUNCT
easat-7236	273	30	initial	initial	ADJ
easat-7236	273	31	trust	trust	NOUN
easat-7236	273	32	,	,	PUNCT
easat-7236	273	33	and	and	CCONJ
easat-7236	273	34	financial	financial	ADJ
easat-7236	273	35	literacy	literacy	NOUN
easat-7236	273	36	.	.	PUNCT
easat-7236	274	1	structural	structural	ADJ
easat-7236	274	2	equation	equation	NOUN
easat-7236	274	3	modelling	model	VERB
easat-7236	274	4	social	social	ADJ
easat-7236	274	5	pressure	pressure	NOUN
easat-7236	274	6	plays	play	VERB
easat-7236	274	7	a	a	DET
easat-7236	274	8	vital	vital	ADJ
easat-7236	274	9	role	role	NOUN
easat-7236	274	10	in	in	ADP
easat-7236	274	11	the	the	DET
easat-7236	274	12	adoption	adoption	NOUN
easat-7236	274	13	of	of	ADP
easat-7236	274	14	well	well	ADV
easat-7236	274	15	-	-	PUNCT
easat-7236	274	16	performing	perform	VERB
easat-7236	274	17	technology	technology	NOUN
easat-7236	274	18	.	.	PUNCT
easat-7236	275	1	factors	factor	NOUN
easat-7236	275	2	like	like	ADP
easat-7236	275	3	easy	easy	ADJ
easat-7236	275	4	-	-	PUNCT
easat-7236	275	5	to	to	ADP
easat-7236	275	6	-	-	PUNCT
easat-7236	275	7	use	use	NOUN
easat-7236	275	8	systems	system	NOUN
easat-7236	275	9	and	and	CCONJ
easat-7236	275	10	initial	initial	ADJ
easat-7236	275	11	trust	trust	NOUN
easat-7236	275	12	lower	low	ADJ
easat-7236	275	13	perceived	perceive	VERB
easat-7236	275	14	risks	risk	NOUN
easat-7236	275	15	,	,	PUNCT
easat-7236	275	16	encouraging	encourage	VERB
easat-7236	275	17	the	the	DET
easat-7236	275	18	uptake	uptake	NOUN
easat-7236	275	19	of	of	ADP
easat-7236	275	20	open	open	ADJ
easat-7236	275	21	banking	banking	NOUN
easat-7236	275	22	.	.	PUNCT
easat-7236	276	1	nevertheless	nevertheless	ADV
easat-7236	276	2	,	,	PUNCT
easat-7236	276	3	a	a	DET
easat-7236	276	4	lack	lack	NOUN
easat-7236	276	5	of	of	ADP
easat-7236	276	6	financial	financial	ADJ
easat-7236	276	7	literacy	literacy	NOUN
easat-7236	276	8	can	can	AUX
easat-7236	276	9	lead	lead	VERB
easat-7236	276	10	to	to	ADP
easat-7236	276	11	skepticism	skepticism	NOUN
easat-7236	276	12	about	about	ADP
easat-7236	276	13	these	these	DET
easat-7236	276	14	novel	novel	ADJ
easat-7236	276	15	services	service	NOUN
easat-7236	276	16	.	.	PUNCT
easat-7236	277	1	kumar	kumar	PROPN
easat-7236	277	2	,	,	PUNCT
easat-7236	277	3	et	et	PROPN
easat-7236	277	4	al	al	PROPN
easat-7236	277	5	.	.	PUNCT
easat-7236	278	1	[	[	X
easat-7236	278	2	3	3	X
easat-7236	278	3	]	]	SYM
easat-7236	278	4	78	78	NUM
easat-7236	278	5	the	the	DET
easat-7236	278	6	interplay	interplay	NOUN
easat-7236	278	7	of	of	ADP
easat-7236	278	8	skills	skill	NOUN
easat-7236	278	9	,	,	PUNCT
easat-7236	278	10	digital	digital	ADJ
easat-7236	278	11	financial	financial	ADJ
easat-7236	278	12	literacy	literacy	NOUN
easat-7236	278	13	,	,	PUNCT
easat-7236	278	14	capability	capability	NOUN
easat-7236	278	15	,	,	PUNCT
easat-7236	278	16	and	and	CCONJ
easat-7236	278	17	autonomy	autonomy	NOUN
easat-7236	278	18	in	in	ADP
easat-7236	278	19	financial	financial	ADJ
easat-7236	278	20	decision	decision	NOUN
easat-7236	278	21	making	making	NOUN
easat-7236	278	22	and	and	CCONJ
easat-7236	278	23	wellbeing	wellbee	VERB
easat-7236	278	24	borsa	borsa	PROPN
easat-7236	278	25	istanbul	istanbul	PROPN
easat-7236	278	26	review	review	NOUN
easat-7236	278	27	this	this	DET
easat-7236	278	28	study	study	NOUN
easat-7236	278	29	examines	examine	VERB
easat-7236	278	30	these	these	DET
easat-7236	278	31	links	link	NOUN
easat-7236	278	32	in	in	ADP
easat-7236	278	33	light	light	NOUN
easat-7236	278	34	of	of	ADP
easat-7236	278	35	the	the	DET
easat-7236	278	36	covid-19	covid-19	PROPN
easat-7236	278	37	pandemic	pandemic	NOUN
easat-7236	278	38	and	and	CCONJ
easat-7236	278	39	the	the	DET
easat-7236	278	40	increased	increase	VERB
easat-7236	278	41	usage	usage	NOUN
easat-7236	278	42	of	of	ADP
easat-7236	278	43	financial	financial	ADJ
easat-7236	278	44	technology	technology	NOUN
easat-7236	278	45	.	.	PUNCT
easat-7236	279	1	structural	structural	ADJ
easat-7236	279	2	equation	equation	NOUN
easat-7236	279	3	modeling	modeling	NOUN
easat-7236	279	4	(	(	PUNCT
easat-7236	279	5	plssem	plssem	NOUN
easat-7236	279	6	)	)	PUNCT
easat-7236	279	7	skills	skill	NOUN
easat-7236	279	8	directly	directly	ADV
easat-7236	279	9	impact	impact	NOUN
easat-7236	279	10	perceived	perceive	VERB
easat-7236	279	11	financial	financial	ADJ
easat-7236	279	12	well	well	ADV
easat-7236	279	13	-	-	PUNCT
easat-7236	279	14	being	be	AUX
easat-7236	279	15	and	and	CCONJ
easat-7236	279	16	financial	financial	ADJ
easat-7236	279	17	decision	decision	NOUN
easat-7236	279	18	-	-	PUNCT
easat-7236	279	19	making	making	NOUN
easat-7236	279	20	.	.	PUNCT
easat-7236	280	1	impulsivity	impulsivity	NOUN
easat-7236	280	2	did	do	AUX
easat-7236	280	3	not	not	PART
easat-7236	280	4	have	have	VERB
easat-7236	280	5	a	a	DET
easat-7236	280	6	substantial	substantial	ADJ
easat-7236	280	7	mediating	mediate	VERB
easat-7236	280	8	effect	effect	NOUN
easat-7236	280	9	on	on	ADP
easat-7236	280	10	financial	financial	ADJ
easat-7236	280	11	decisions	decision	NOUN
easat-7236	280	12	.	.	PUNCT
easat-7236	281	1	alkhwaldi	alkhwaldi	ADJ
easat-7236	281	2	,	,	PUNCT
easat-7236	281	3	et	et	PROPN
easat-7236	281	4	al	al	PROPN
easat-7236	281	5	.	.	PUNCT
easat-7236	282	1	[	[	X
easat-7236	282	2	33	33	NUM
easat-7236	282	3	]	]	SYM
easat-7236	282	4	65	65	NUM
easat-7236	282	5	towards	towards	ADP
easat-7236	282	6	an	an	DET
easat-7236	282	7	understanding	understanding	NOUN
easat-7236	282	8	of	of	ADP
easat-7236	282	9	fintech	fintech	NOUN
easat-7236	282	10	users	user	NOUN
easat-7236	282	11	’	’	PART
easat-7236	282	12	adoption	adoption	NOUN
easat-7236	282	13	:	:	PUNCT
easat-7236	282	14	intention	intention	NOUN
easat-7236	282	15	and	and	CCONJ
easat-7236	282	16	eloyalty	eloyalty	NOUN
easat-7236	282	17	postcovid-19	postcovid-19	PROPN
easat-7236	282	18	from	from	ADP
easat-7236	282	19	a	a	DET
easat-7236	282	20	developing	develop	VERB
easat-7236	282	21	country	country	NOUN
easat-7236	282	22	perspective	perspective	NOUN
easat-7236	282	23	sustainabili	sustainabili	NOUN
easat-7236	282	24	ty	ty	INTJ
easat-7236	282	25	(	(	PUNCT
easat-7236	282	26	switzerlan	switzerlan	NOUN
easat-7236	282	27	d	d	NOUN
easat-7236	282	28	)	)	PUNCT
easat-7236	282	29	this	this	DET
easat-7236	282	30	study	study	NOUN
easat-7236	282	31	explores	explore	VERB
easat-7236	282	32	the	the	DET
easat-7236	282	33	factors	factor	NOUN
easat-7236	282	34	motivating	motivate	VERB
easat-7236	282	35	jordanians	jordanian	NOUN
easat-7236	282	36	to	to	PART
easat-7236	282	37	adopt	adopt	VERB
easat-7236	282	38	and	and	CCONJ
easat-7236	282	39	continue	continue	VERB
easat-7236	282	40	using	use	VERB
easat-7236	282	41	fintech	fintech	NOUN
easat-7236	282	42	services	service	NOUN
easat-7236	282	43	in	in	ADP
easat-7236	282	44	the	the	DET
easat-7236	282	45	post	post	ADJ
easat-7236	282	46	-	-	ADJ
easat-7236	282	47	pandemic	pandemic	ADJ
easat-7236	282	48	era	era	NOUN
easat-7236	282	49	.	.	PUNCT
easat-7236	283	1	it	it	PRON
easat-7236	283	2	develops	develop	VERB
easat-7236	283	3	a	a	DET
easat-7236	283	4	more	more	ADV
easat-7236	283	5	comprehensive	comprehensive	ADJ
easat-7236	283	6	understanding	understanding	NOUN
easat-7236	283	7	of	of	ADP
easat-7236	283	8	fintech	fintech	NOUN
easat-7236	283	9	adoption	adoption	NOUN
easat-7236	283	10	in	in	ADP
easat-7236	283	11	jordan	jordan	PROPN
easat-7236	283	12	's	's	PART
easat-7236	283	13	specific	specific	ADJ
easat-7236	283	14	post	post	ADJ
easat-7236	283	15	-	-	ADJ
easat-7236	283	16	covid	covid	ADJ
easat-7236	283	17	context	context	NOUN
easat-7236	283	18	by	by	ADP
easat-7236	283	19	integrating	integrate	VERB
easat-7236	283	20	the	the	DET
easat-7236	283	21	utaut	utaut	PROPN
easat-7236	283	22	model	model	NOUN
easat-7236	283	23	with	with	ADP
easat-7236	283	24	innovation	innovation	NOUN
easat-7236	283	25	openness	openness	NOUN
easat-7236	283	26	,	,	PUNCT
easat-7236	283	27	financial	financial	ADJ
easat-7236	283	28	knowledge	knowledge	NOUN
easat-7236	283	29	,	,	PUNCT
easat-7236	283	30	and	and	CCONJ
easat-7236	283	31	risk	risk	NOUN
easat-7236	283	32	tolerance	tolerance	NOUN
easat-7236	283	33	.	.	PUNCT
easat-7236	284	1	structural	structural	ADJ
easat-7236	284	2	equation	equation	NOUN
easat-7236	284	3	modeling	modeling	NOUN
easat-7236	284	4	(	(	PUNCT
easat-7236	284	5	sem	sem	NOUN
easat-7236	284	6	)	)	PUNCT
easat-7236	284	7	,	,	PUNCT
easat-7236	284	8	amos	amos	PROPN
easat-7236	284	9	26.0	26.0	NUM
easat-7236	284	10	individuals	individual	NOUN
easat-7236	284	11	'	'	PART
easat-7236	284	12	comfort	comfort	NOUN
easat-7236	284	13	with	with	ADP
easat-7236	284	14	uncertainty	uncertainty	NOUN
easat-7236	284	15	influences	influence	VERB
easat-7236	284	16	how	how	SCONJ
easat-7236	284	17	supportive	supportive	ADJ
easat-7236	284	18	resources	resource	NOUN
easat-7236	284	19	affect	affect	VERB
easat-7236	284	20	their	their	PRON
easat-7236	284	21	intention	intention	NOUN
easat-7236	284	22	to	to	PART
easat-7236	284	23	use	use	VERB
easat-7236	284	24	fintech	fintech	NOUN
easat-7236	284	25	.	.	PUNCT
easat-7236	285	1	their	their	PRON
easat-7236	285	2	openness	openness	NOUN
easat-7236	285	3	to	to	ADP
easat-7236	285	4	innovation	innovation	NOUN
easat-7236	285	5	shapes	shape	VERB
easat-7236	285	6	their	their	PRON
easat-7236	285	7	perceptions	perception	NOUN
easat-7236	285	8	of	of	ADP
easat-7236	285	9	both	both	CCONJ
easat-7236	285	10	usefulness	usefulness	NOUN
easat-7236	285	11	and	and	CCONJ
easat-7236	285	12	ease	ease	NOUN
easat-7236	285	13	of	of	ADP
easat-7236	285	14	use	use	NOUN
easat-7236	285	15	.	.	PUNCT
easat-7236	286	1	ultimately	ultimately	ADV
easat-7236	286	2	,	,	PUNCT
easat-7236	286	3	the	the	DET
easat-7236	286	4	expectation	expectation	NOUN
easat-7236	286	5	of	of	ADP
easat-7236	286	6	performance	performance	NOUN
easat-7236	286	7	benefits	benefit	NOUN
easat-7236	286	8	,	,	PUNCT
easat-7236	286	9	social	social	ADJ
easat-7236	286	10	pressure	pressure	NOUN
easat-7236	286	11	,	,	PUNCT
easat-7236	286	12	and	and	CCONJ
easat-7236	286	13	the	the	DET
easat-7236	286	14	availability	availability	NOUN
easat-7236	286	15	of	of	ADP
easat-7236	286	16	support	support	NOUN
easat-7236	286	17	drive	drive	VERB
easat-7236	286	18	adoption	adoption	NOUN
easat-7236	286	19	intentions	intention	NOUN
easat-7236	286	20	,	,	PUNCT
easat-7236	286	21	fostering	foster	VERB
easat-7236	286	22	long	long	ADJ
easat-7236	286	23	-	-	PUNCT
easat-7236	286	24	term	term	NOUN
easat-7236	286	25	loyalty	loyalty	NOUN
easat-7236	286	26	to	to	ADP
easat-7236	286	27	fintech	fintech	NOUN
easat-7236	286	28	services	service	NOUN
easat-7236	286	29	.	.	PUNCT
easat-7236	287	1	1607	1607	PROPN
easat-7236	287	2	edelweiss	edelweiss	PROPN
easat-7236	287	3	applied	apply	VERB
easat-7236	287	4	science	science	NOUN
easat-7236	287	5	and	and	CCONJ
easat-7236	287	6	technology	technology	NOUN
easat-7236	287	7	issn	issn	PROPN
easat-7236	287	8	:	:	PUNCT
easat-7236	287	9	2576	2576	NUM
easat-7236	287	10	-	-	SYM
easat-7236	287	11	8484	8484	NUM
easat-7236	287	12	vol	vol	NOUN
easat-7236	287	13	.	.	PROPN
easat-7236	288	1	9	9	NUM
easat-7236	288	2	,	,	PUNCT
easat-7236	288	3	no	no	INTJ
easat-7236	288	4	.	.	NOUN
easat-7236	288	5	5	5	NUM
easat-7236	288	6	:	:	SYM
easat-7236	288	7	1593	1593	NUM
easat-7236	288	8	-	-	SYM
easat-7236	288	9	1609	1609	NUM
easat-7236	288	10	,	,	PUNCT
easat-7236	288	11	2025	2025	NUM
easat-7236	288	12	doi	doi	NOUN
easat-7236	288	13	:	:	PUNCT
easat-7236	288	14	10.55214/25768484.v9i5.7236	10.55214/25768484.v9i5.7236	NUM
easat-7236	288	15	©	©	PROPN
easat-7236	288	16	2025	2025	NUM
easat-7236	288	17	by	by	ADP
easat-7236	288	18	the	the	DET
easat-7236	288	19	authors	author	NOUN
easat-7236	288	20	;	;	PUNCT
easat-7236	288	21	licensee	licensee	PROPN
easat-7236	288	22	learning	learning	NOUN
easat-7236	288	23	gate	gate	NOUN
easat-7236	288	24	5	5	NUM
easat-7236	288	25	.	.	PUNCT
easat-7236	289	1	conclusion	conclusion	NOUN
easat-7236	289	2	due	due	ADP
easat-7236	289	3	to	to	ADP
easat-7236	289	4	the	the	DET
easat-7236	289	5	increasing	increase	VERB
easat-7236	289	6	use	use	NOUN
easat-7236	289	7	of	of	ADP
easat-7236	289	8	electronic	electronic	ADJ
easat-7236	289	9	channels	channel	NOUN
easat-7236	289	10	for	for	ADP
easat-7236	289	11	communication	communication	NOUN
easat-7236	289	12	by	by	ADP
easat-7236	289	13	customers	customer	NOUN
easat-7236	289	14	in	in	ADP
easat-7236	289	15	recent	recent	ADJ
easat-7236	289	16	years	year	NOUN
easat-7236	290	1	,	,	PUNCT
easat-7236	290	2	many	many	ADJ
easat-7236	290	3	financial	financial	ADJ
easat-7236	290	4	firms	firm	NOUN
easat-7236	290	5	have	have	AUX
easat-7236	290	6	been	be	AUX
easat-7236	290	7	compelled	compel	VERB
easat-7236	290	8	to	to	PART
easat-7236	290	9	reorganize	reorganize	VERB
easat-7236	290	10	their	their	PRON
easat-7236	290	11	channel	channel	NOUN
easat-7236	290	12	management	management	NOUN
easat-7236	290	13	and	and	CCONJ
easat-7236	290	14	reduce	reduce	VERB
easat-7236	290	15	their	their	PRON
easat-7236	290	16	branch	branch	NOUN
easat-7236	290	17	and	and	CCONJ
easat-7236	290	18	agency	agency	NOUN
easat-7236	290	19	networks	network	NOUN
easat-7236	290	20	to	to	PART
easat-7236	290	21	offer	offer	VERB
easat-7236	290	22	more	more	ADJ
easat-7236	290	23	customer	customer	NOUN
easat-7236	290	24	self	self	NOUN
easat-7236	290	25	-	-	PUNCT
easat-7236	290	26	service	service	NOUN
easat-7236	290	27	and	and	CCONJ
easat-7236	290	28	hybrid	hybrid	ADJ
easat-7236	290	29	client	client	NOUN
easat-7236	290	30	engagement	engagement	NOUN
easat-7236	290	31	.	.	PUNCT
easat-7236	291	1	consequently	consequently	ADV
easat-7236	291	2	,	,	PUNCT
easat-7236	291	3	research	research	NOUN
easat-7236	291	4	on	on	ADP
easat-7236	291	5	fintech	fintech	NOUN
easat-7236	291	6	and	and	CCONJ
easat-7236	291	7	financial	financial	ADJ
easat-7236	291	8	literacy	literacy	NOUN
easat-7236	291	9	has	have	AUX
easat-7236	291	10	skyrocketed	skyrocket	VERB
easat-7236	291	11	since	since	SCONJ
easat-7236	291	12	2020	2020	NUM
easat-7236	291	13	,	,	PUNCT
easat-7236	291	14	most	most	ADV
easat-7236	291	15	likely	likely	ADJ
easat-7236	291	16	in	in	ADP
easat-7236	291	17	response	response	NOUN
easat-7236	291	18	to	to	ADP
easat-7236	291	19	the	the	DET
easat-7236	291	20	covid-19	covid-19	PROPN
easat-7236	291	21	pandemic	pandemic	NOUN
easat-7236	291	22	,	,	PUNCT
easat-7236	291	23	which	which	PRON
easat-7236	291	24	accelerated	accelerate	VERB
easat-7236	291	25	the	the	DET
easat-7236	291	26	adoption	adoption	NOUN
easat-7236	291	27	of	of	ADP
easat-7236	291	28	digital	digital	ADJ
easat-7236	291	29	financial	financial	ADJ
easat-7236	291	30	services	service	NOUN
easat-7236	291	31	.	.	PUNCT
easat-7236	292	1	emerging	emerge	VERB
easat-7236	292	2	economies	economy	NOUN
easat-7236	292	3	are	be	AUX
easat-7236	292	4	making	make	VERB
easat-7236	292	5	significant	significant	ADJ
easat-7236	292	6	contributions	contribution	NOUN
easat-7236	292	7	to	to	ADP
easat-7236	292	8	the	the	DET
easat-7236	292	9	study	study	NOUN
easat-7236	292	10	of	of	ADP
easat-7236	292	11	financial	financial	ADJ
easat-7236	292	12	literacy	literacy	NOUN
easat-7236	292	13	and	and	CCONJ
easat-7236	292	14	fintech	fintech	NOUN
easat-7236	292	15	,	,	PUNCT
easat-7236	292	16	evidenced	evidence	VERB
easat-7236	292	17	by	by	ADP
easat-7236	292	18	the	the	DET
easat-7236	292	19	leading	lead	VERB
easat-7236	292	20	publication	publication	NOUN
easat-7236	292	21	volumes	volume	NOUN
easat-7236	292	22	from	from	ADP
easat-7236	292	23	developing	develop	VERB
easat-7236	292	24	countries	country	NOUN
easat-7236	292	25	such	such	ADJ
easat-7236	292	26	as	as	ADP
easat-7236	292	27	china	china	PROPN
easat-7236	292	28	,	,	PUNCT
easat-7236	292	29	india	india	PROPN
easat-7236	292	30	,	,	PUNCT
easat-7236	292	31	and	and	CCONJ
easat-7236	292	32	indonesia	indonesia	PROPN
easat-7236	292	33	,	,	PUNCT
easat-7236	292	34	and	and	CCONJ
easat-7236	292	35	the	the	DET
easat-7236	292	36	highest	high	ADJ
easat-7236	292	37	citation	citation	NOUN
easat-7236	292	38	impact	impact	NOUN
easat-7236	292	39	seen	see	VERB
easat-7236	292	40	in	in	ADP
easat-7236	292	41	nigeria	nigeria	PROPN
easat-7236	292	42	,	,	PUNCT
easat-7236	292	43	germany	germany	PROPN
easat-7236	292	44	,	,	PUNCT
easat-7236	292	45	and	and	CCONJ
easat-7236	292	46	lebanon	lebanon	PROPN
easat-7236	292	47	.	.	PUNCT
easat-7236	293	1	this	this	DET
easat-7236	293	2	study	study	NOUN
easat-7236	293	3	identifies	identify	VERB
easat-7236	293	4	key	key	ADJ
easat-7236	293	5	authors	author	NOUN
easat-7236	293	6	and	and	CCONJ
easat-7236	293	7	journals	journal	NOUN
easat-7236	293	8	that	that	PRON
easat-7236	293	9	have	have	AUX
easat-7236	293	10	substantially	substantially	ADV
easat-7236	293	11	advanced	advance	VERB
easat-7236	293	12	the	the	DET
easat-7236	293	13	field	field	NOUN
easat-7236	293	14	.	.	PUNCT
easat-7236	294	1	notably	notably	ADV
easat-7236	294	2	,	,	PUNCT
easat-7236	294	3	"	"	PUNCT
easat-7236	294	4	sustainability	sustainability	NOUN
easat-7236	294	5	(	(	PUNCT
easat-7236	294	6	switzerland	switzerland	NOUN
easat-7236	294	7	)	)	PUNCT
easat-7236	294	8	"	"	PUNCT
easat-7236	294	9	and	and	CCONJ
easat-7236	294	10	the	the	DET
easat-7236	294	11	"	"	PUNCT
easat-7236	294	12	journal	journal	NOUN
easat-7236	294	13	of	of	ADP
easat-7236	294	14	risk	risk	NOUN
easat-7236	294	15	and	and	CCONJ
easat-7236	294	16	financial	financial	ADJ
easat-7236	294	17	management	management	NOUN
easat-7236	294	18	"	"	PUNCT
easat-7236	294	19	are	be	AUX
easat-7236	294	20	prominent	prominent	ADJ
easat-7236	294	21	journals	journal	NOUN
easat-7236	294	22	,	,	PUNCT
easat-7236	294	23	while	while	SCONJ
easat-7236	294	24	setiawan	setiawan	PROPN
easat-7236	294	25	b.	b.	PROPN
easat-7236	294	26	and	and	CCONJ
easat-7236	294	27	nathan	nathan	PROPN
easat-7236	294	28	rj	rj	PROPN
easat-7236	294	29	are	be	AUX
easat-7236	294	30	recognized	recognize	VERB
easat-7236	294	31	as	as	ADP
easat-7236	294	32	influential	influential	ADJ
easat-7236	294	33	authors	author	NOUN
easat-7236	294	34	.	.	PUNCT
easat-7236	295	1	analysis	analysis	NOUN
easat-7236	295	2	of	of	ADP
easat-7236	295	3	international	international	ADJ
easat-7236	295	4	collaboration	collaboration	NOUN
easat-7236	295	5	patterns	pattern	NOUN
easat-7236	295	6	reveals	reveal	VERB
easat-7236	295	7	that	that	SCONJ
easat-7236	295	8	developed	develop	VERB
easat-7236	295	9	countries	country	NOUN
easat-7236	295	10	generally	generally	ADV
easat-7236	295	11	exhibit	exhibit	VERB
easat-7236	295	12	greater	great	ADJ
easat-7236	295	13	cooperation	cooperation	NOUN
easat-7236	295	14	,	,	PUNCT
easat-7236	295	15	with	with	ADP
easat-7236	295	16	china	china	PROPN
easat-7236	295	17	and	and	CCONJ
easat-7236	295	18	indonesia	indonesia	PROPN
easat-7236	295	19	demonstrating	demonstrate	VERB
easat-7236	295	20	the	the	DET
easat-7236	295	21	most	most	ADV
easat-7236	295	22	robust	robust	ADJ
easat-7236	295	23	collaborative	collaborative	ADJ
easat-7236	295	24	networks	network	NOUN
easat-7236	295	25	.	.	PUNCT
easat-7236	296	1	6	6	X
easat-7236	296	2	.	.	NUM
easat-7236	296	3	limitations	limitation	NOUN
easat-7236	296	4	and	and	CCONJ
easat-7236	296	5	future	future	ADJ
easat-7236	296	6	research	research	NOUN
easat-7236	296	7	directions	direction	NOUN
easat-7236	296	8	this	this	DET
easat-7236	296	9	research	research	NOUN
easat-7236	296	10	suggests	suggest	VERB
easat-7236	296	11	that	that	SCONJ
easat-7236	296	12	future	future	ADJ
easat-7236	296	13	investigations	investigation	NOUN
easat-7236	296	14	should	should	AUX
easat-7236	296	15	focus	focus	VERB
easat-7236	296	16	on	on	ADP
easat-7236	296	17	developing	develop	VERB
easat-7236	296	18	strategies	strategy	NOUN
easat-7236	296	19	to	to	PART
easat-7236	296	20	enhance	enhance	VERB
easat-7236	296	21	financial	financial	ADJ
easat-7236	296	22	literacy	literacy	NOUN
easat-7236	296	23	and	and	CCONJ
easat-7236	296	24	the	the	DET
easat-7236	296	25	adoption	adoption	NOUN
easat-7236	296	26	of	of	ADP
easat-7236	296	27	fintech	fintech	NOUN
easat-7236	296	28	,	,	PUNCT
easat-7236	296	29	particularly	particularly	ADV
easat-7236	296	30	in	in	ADP
easat-7236	296	31	developing	develop	VERB
easat-7236	296	32	and	and	CCONJ
easat-7236	296	33	impoverished	impoverished	ADJ
easat-7236	296	34	nations	nation	NOUN
easat-7236	296	35	.	.	PUNCT
easat-7236	297	1	the	the	DET
easat-7236	297	2	findings	finding	NOUN
easat-7236	297	3	can	can	AUX
easat-7236	297	4	assist	assist	VERB
easat-7236	297	5	policymakers	policymaker	NOUN
easat-7236	297	6	in	in	ADP
easat-7236	297	7	formulating	formulate	VERB
easat-7236	297	8	educational	educational	ADJ
easat-7236	297	9	initiatives	initiative	NOUN
easat-7236	297	10	and	and	CCONJ
easat-7236	297	11	regulations	regulation	NOUN
easat-7236	297	12	that	that	PRON
easat-7236	297	13	promote	promote	VERB
easat-7236	297	14	financial	financial	ADJ
easat-7236	297	15	literacy	literacy	NOUN
easat-7236	297	16	and	and	CCONJ
easat-7236	297	17	fintech	fintech	NOUN
easat-7236	297	18	usage	usage	NOUN
easat-7236	297	19	,	,	PUNCT
easat-7236	297	20	ultimately	ultimately	ADV
easat-7236	297	21	fostering	foster	VERB
easat-7236	297	22	economic	economic	ADJ
easat-7236	297	23	empowerment	empowerment	NOUN
easat-7236	297	24	and	and	CCONJ
easat-7236	297	25	financial	financial	ADJ
easat-7236	297	26	inclusion	inclusion	NOUN
easat-7236	297	27	.	.	PUNCT
easat-7236	298	1	to	to	PART
easat-7236	298	2	ensure	ensure	VERB
easat-7236	298	3	effectiveness	effectiveness	NOUN
easat-7236	298	4	and	and	CCONJ
easat-7236	298	5	quality	quality	NOUN
easat-7236	298	6	,	,	PUNCT
easat-7236	298	7	establishing	establish	VERB
easat-7236	298	8	certification	certification	NOUN
easat-7236	298	9	requirements	requirement	NOUN
easat-7236	298	10	for	for	ADP
easat-7236	298	11	fintech	fintech	NOUN
easat-7236	298	12	-	-	PUNCT
easat-7236	298	13	based	base	VERB
easat-7236	298	14	financial	financial	ADJ
easat-7236	298	15	education	education	NOUN
easat-7236	298	16	programs	program	NOUN
easat-7236	298	17	is	be	AUX
easat-7236	298	18	recommended	recommend	VERB
easat-7236	298	19	.	.	PUNCT
easat-7236	299	1	7	7	X
easat-7236	299	2	.	.	NOUN
easat-7236	299	3	practical	practical	ADJ
easat-7236	299	4	and	and	CCONJ
easat-7236	299	5	social	social	ADJ
easat-7236	299	6	implications	implication	NOUN
easat-7236	299	7	financial	financial	ADJ
easat-7236	299	8	institutions	institution	NOUN
easat-7236	299	9	should	should	AUX
easat-7236	299	10	develop	develop	VERB
easat-7236	299	11	hybrid	hybrid	ADJ
easat-7236	299	12	service	service	NOUN
easat-7236	299	13	models	model	NOUN
easat-7236	299	14	that	that	PRON
easat-7236	299	15	combine	combine	VERB
easat-7236	299	16	digital	digital	ADJ
easat-7236	299	17	convenience	convenience	NOUN
easat-7236	299	18	with	with	ADP
easat-7236	299	19	human	human	ADJ
easat-7236	299	20	assistance	assistance	NOUN
easat-7236	299	21	for	for	ADP
easat-7236	299	22	individuals	individual	NOUN
easat-7236	299	23	with	with	ADP
easat-7236	299	24	varying	vary	VERB
easat-7236	299	25	levels	level	NOUN
easat-7236	299	26	of	of	ADP
easat-7236	299	27	digital	digital	ADJ
easat-7236	299	28	and	and	CCONJ
easat-7236	299	29	financial	financial	ADJ
easat-7236	299	30	literacy	literacy	NOUN
easat-7236	299	31	,	,	PUNCT
easat-7236	299	32	particularly	particularly	ADV
easat-7236	299	33	during	during	ADP
easat-7236	299	34	complex	complex	ADJ
easat-7236	299	35	decisions	decision	NOUN
easat-7236	299	36	.	.	PUNCT
easat-7236	300	1	fintech	fintech	NOUN
easat-7236	300	2	applications	application	NOUN
easat-7236	300	3	should	should	AUX
easat-7236	300	4	incorporate	incorporate	VERB
easat-7236	300	5	just	just	ADV
easat-7236	300	6	-	-	PUNCT
easat-7236	300	7	in	in	ADP
easat-7236	300	8	-	-	PUNCT
easat-7236	300	9	time	time	NOUN
easat-7236	300	10	financial	financial	ADJ
easat-7236	300	11	education	education	NOUN
easat-7236	300	12	at	at	ADP
easat-7236	300	13	crucial	crucial	ADJ
easat-7236	300	14	decision	decision	NOUN
easat-7236	300	15	points	point	NOUN
easat-7236	300	16	,	,	PUNCT
easat-7236	300	17	such	such	ADJ
easat-7236	300	18	as	as	ADP
easat-7236	300	19	explanations	explanation	NOUN
easat-7236	300	20	before	before	ADP
easat-7236	300	21	investment	investment	NOUN
easat-7236	300	22	options	option	NOUN
easat-7236	300	23	and	and	CCONJ
easat-7236	300	24	loan	loan	NOUN
easat-7236	300	25	comparisons	comparison	NOUN
easat-7236	300	26	with	with	ADP
easat-7236	300	27	visual	visual	ADJ
easat-7236	300	28	aids	aid	NOUN
easat-7236	300	29	.	.	PUNCT
easat-7236	301	1	to	to	PART
easat-7236	301	2	foster	foster	VERB
easat-7236	301	3	peer	peer	NOUN
easat-7236	301	4	learning	learning	NOUN
easat-7236	301	5	,	,	PUNCT
easat-7236	301	6	financial	financial	ADJ
easat-7236	301	7	institutions	institution	NOUN
easat-7236	301	8	should	should	AUX
easat-7236	301	9	encourage	encourage	VERB
easat-7236	301	10	networks	network	NOUN
easat-7236	301	11	where	where	SCONJ
easat-7236	301	12	experienced	experienced	ADJ
easat-7236	301	13	fintech	fintech	NOUN
easat-7236	301	14	users	user	NOUN
easat-7236	301	15	guide	guide	VERB
easat-7236	301	16	novices	novice	NOUN
easat-7236	301	17	,	,	PUNCT
easat-7236	301	18	which	which	PRON
easat-7236	301	19	would	would	AUX
easat-7236	301	20	be	be	AUX
easat-7236	301	21	especially	especially	ADV
easat-7236	301	22	beneficial	beneficial	ADJ
easat-7236	301	23	for	for	ADP
easat-7236	301	24	younger	young	ADJ
easat-7236	301	25	and	and	CCONJ
easat-7236	301	26	older	old	ADJ
easat-7236	301	27	individuals	individual	NOUN
easat-7236	301	28	.	.	PUNCT
easat-7236	302	1	to	to	PART
easat-7236	302	2	enhance	enhance	VERB
easat-7236	302	3	local	local	ADJ
easat-7236	302	4	economic	economic	ADJ
easat-7236	302	5	resilience	resilience	NOUN
easat-7236	302	6	,	,	PUNCT
easat-7236	302	7	support	support	NOUN
easat-7236	302	8	should	should	AUX
easat-7236	302	9	be	be	AUX
easat-7236	302	10	provided	provide	VERB
easat-7236	302	11	to	to	ADP
easat-7236	302	12	small	small	ADJ
easat-7236	302	13	businesses	business	NOUN
easat-7236	302	14	in	in	ADP
easat-7236	302	15	implementing	implement	VERB
easat-7236	302	16	fintech	fintech	NOUN
easat-7236	302	17	solutions	solution	NOUN
easat-7236	302	18	through	through	ADP
easat-7236	302	19	implementation	implementation	NOUN
easat-7236	302	20	assistance	assistance	NOUN
easat-7236	302	21	and	and	CCONJ
easat-7236	302	22	community	community	NOUN
easat-7236	302	23	seminars	seminar	NOUN
easat-7236	302	24	.	.	PUNCT
easat-7236	303	1	fintechbased	fintechbase	VERB
easat-7236	303	2	debt	debt	NOUN
easat-7236	303	3	management	management	NOUN
easat-7236	303	4	initiatives	initiative	NOUN
easat-7236	303	5	that	that	PRON
easat-7236	303	6	integrate	integrate	VERB
easat-7236	303	7	educational	educational	ADJ
easat-7236	303	8	components	component	NOUN
easat-7236	303	9	with	with	ADP
easat-7236	303	10	practical	practical	ADJ
easat-7236	303	11	resources	resource	NOUN
easat-7236	303	12	for	for	ADP
easat-7236	303	13	credit	credit	NOUN
easat-7236	303	14	enhancement	enhancement	NOUN
easat-7236	303	15	and	and	CCONJ
easat-7236	303	16	debt	debt	NOUN
easat-7236	303	17	reduction	reduction	NOUN
easat-7236	303	18	should	should	AUX
easat-7236	303	19	be	be	AUX
easat-7236	303	20	established	establish	VERB
easat-7236	303	21	.	.	PUNCT
easat-7236	304	1	furthermore	furthermore	ADV
easat-7236	304	2	,	,	PUNCT
easat-7236	304	3	comprehensive	comprehensive	ADJ
easat-7236	304	4	education	education	NOUN
easat-7236	304	5	on	on	ADP
easat-7236	304	6	digital	digital	ADJ
easat-7236	304	7	financial	financial	ADJ
easat-7236	304	8	security	security	NOUN
easat-7236	304	9	measures	measure	NOUN
easat-7236	304	10	,	,	PUNCT
easat-7236	304	11	particularly	particularly	ADV
easat-7236	304	12	for	for	ADP
easat-7236	304	13	newly	newly	ADV
easat-7236	304	14	digitized	digitize	VERB
easat-7236	304	15	populations	population	NOUN
easat-7236	304	16	,	,	PUNCT
easat-7236	304	17	is	be	AUX
easat-7236	304	18	crucial	crucial	ADJ
easat-7236	304	19	to	to	PART
easat-7236	304	20	reduce	reduce	VERB
easat-7236	304	21	vulnerability	vulnerability	NOUN
easat-7236	304	22	to	to	PART
easat-7236	304	23	fraud	fraud	VERB
easat-7236	304	24	and	and	CCONJ
easat-7236	304	25	scams	scam	NOUN
easat-7236	304	26	.	.	PUNCT
easat-7236	305	1	finally	finally	ADV
easat-7236	305	2	,	,	PUNCT
easat-7236	305	3	fintech	fintech	NOUN
easat-7236	305	4	platforms	platform	NOUN
easat-7236	305	5	should	should	AUX
easat-7236	305	6	be	be	AUX
easat-7236	305	7	leveraged	leverage	VERB
easat-7236	305	8	to	to	PART
easat-7236	305	9	raise	raise	VERB
easat-7236	305	10	awareness	awareness	NOUN
easat-7236	305	11	about	about	ADP
easat-7236	305	12	sustainable	sustainable	ADJ
easat-7236	305	13	investing	investing	NOUN
easat-7236	305	14	options	option	NOUN
easat-7236	305	15	and	and	CCONJ
easat-7236	305	16	the	the	DET
easat-7236	305	17	environmental	environmental	ADJ
easat-7236	305	18	impact	impact	NOUN
easat-7236	305	19	of	of	ADP
easat-7236	305	20	financial	financial	ADJ
easat-7236	305	21	decisions	decision	NOUN
easat-7236	305	22	transparency	transparency	NOUN
easat-7236	305	23	:	:	PUNCT
easat-7236	305	24	the	the	DET
easat-7236	305	25	authors	author	NOUN
easat-7236	305	26	confirm	confirm	VERB
easat-7236	305	27	that	that	SCONJ
easat-7236	305	28	the	the	DET
easat-7236	305	29	manuscript	manuscript	NOUN
easat-7236	305	30	is	be	AUX
easat-7236	305	31	an	an	DET
easat-7236	305	32	honest	honest	ADJ
easat-7236	305	33	,	,	PUNCT
easat-7236	305	34	accurate	accurate	ADJ
easat-7236	305	35	,	,	PUNCT
easat-7236	305	36	and	and	CCONJ
easat-7236	305	37	transparent	transparent	ADJ
easat-7236	305	38	account	account	NOUN
easat-7236	305	39	of	of	ADP
easat-7236	305	40	the	the	DET
easat-7236	305	41	study	study	NOUN
easat-7236	305	42	;	;	PUNCT
easat-7236	305	43	that	that	SCONJ
easat-7236	305	44	no	no	DET
easat-7236	305	45	vital	vital	ADJ
easat-7236	305	46	features	feature	NOUN
easat-7236	305	47	of	of	ADP
easat-7236	305	48	the	the	DET
easat-7236	305	49	study	study	NOUN
easat-7236	305	50	have	have	AUX
easat-7236	305	51	been	be	AUX
easat-7236	305	52	omitted	omit	VERB
easat-7236	305	53	;	;	PUNCT
easat-7236	305	54	and	and	CCONJ
easat-7236	305	55	that	that	SCONJ
easat-7236	305	56	any	any	DET
easat-7236	305	57	discrepancies	discrepancy	NOUN
easat-7236	305	58	from	from	ADP
easat-7236	305	59	the	the	DET
easat-7236	305	60	study	study	NOUN
easat-7236	305	61	as	as	SCONJ
easat-7236	305	62	planned	plan	VERB
easat-7236	305	63	have	have	AUX
easat-7236	305	64	been	be	AUX
easat-7236	305	65	explained	explain	VERB
easat-7236	305	66	.	.	PUNCT
easat-7236	306	1	this	this	DET
easat-7236	306	2	study	study	NOUN
easat-7236	306	3	followed	follow	VERB
easat-7236	306	4	all	all	DET
easat-7236	306	5	ethical	ethical	ADJ
easat-7236	306	6	practices	practice	NOUN
easat-7236	306	7	during	during	ADP
easat-7236	306	8	writing	writing	NOUN
easat-7236	306	9	.	.	PUNCT
easat-7236	307	1	copyright	copyright	NOUN
easat-7236	307	2	:	:	PUNCT
easat-7236	307	3	©	©	PROPN
easat-7236	307	4	2025	2025	NUM
easat-7236	307	5	by	by	ADP
easat-7236	307	6	the	the	DET
easat-7236	307	7	authors	author	NOUN
easat-7236	307	8	.	.	PUNCT
easat-7236	308	1	this	this	DET
easat-7236	308	2	open	open	ADJ
easat-7236	308	3	-	-	PUNCT
easat-7236	308	4	access	access	NOUN
easat-7236	308	5	article	article	NOUN
easat-7236	308	6	is	be	AUX
easat-7236	308	7	distributed	distribute	VERB
easat-7236	308	8	under	under	ADP
easat-7236	308	9	the	the	DET
easat-7236	308	10	terms	term	NOUN
easat-7236	308	11	and	and	CCONJ
easat-7236	308	12	conditions	condition	NOUN
easat-7236	308	13	of	of	ADP
easat-7236	308	14	the	the	DET
easat-7236	308	15	creative	creative	ADJ
easat-7236	308	16	commons	common	NOUN
easat-7236	308	17	attribution	attribution	NOUN
easat-7236	308	18	(	(	PUNCT
easat-7236	308	19	cc	cc	NOUN
easat-7236	308	20	by	by	ADP
easat-7236	308	21	)	)	PUNCT
easat-7236	308	22	license	license	NOUN
easat-7236	308	23	(	(	PUNCT
easat-7236	308	24	https://creativecommons.org/licenses/by/4.0/	https://creativecommons.org/licenses/by/4.0/	PROPN
easat-7236	308	25	)	)	PUNCT
easat-7236	308	26	.	.	PUNCT
easat-7236	309	1	https://creativecommons.org/licenses/by/4.0/	https://creativecommons.org/licenses/by/4.0/	PROPN
easat-7236	309	2	1608	1608	PROPN
easat-7236	309	3	edelweiss	edelweiss	PROPN
easat-7236	309	4	applied	apply	VERB
easat-7236	309	5	science	science	NOUN
easat-7236	309	6	and	and	CCONJ
easat-7236	309	7	technology	technology	NOUN
easat-7236	309	8	issn	issn	PROPN
easat-7236	309	9	:	:	PUNCT
easat-7236	309	10	2576	2576	NUM
easat-7236	309	11	-	-	SYM
easat-7236	309	12	8484	8484	NUM
easat-7236	309	13	vol	vol	NOUN
easat-7236	309	14	.	.	PROPN
easat-7236	310	1	9	9	NUM
easat-7236	310	2	,	,	PUNCT
easat-7236	310	3	no	no	INTJ
easat-7236	310	4	.	.	NOUN
easat-7236	310	5	5	5	NUM
easat-7236	310	6	:	:	SYM
easat-7236	310	7	1593	1593	NUM
easat-7236	310	8	-	-	SYM
easat-7236	310	9	1609	1609	NUM
easat-7236	310	10	,	,	PUNCT
easat-7236	310	11	2025	2025	NUM
easat-7236	310	12	doi	doi	NOUN
easat-7236	310	13	:	:	PUNCT
easat-7236	310	14	10.55214/25768484.v9i5.7236	10.55214/25768484.v9i5.7236	NUM
easat-7236	310	15	©	©	PROPN
easat-7236	310	16	2025	2025	NUM
easat-7236	310	17	by	by	ADP
easat-7236	310	18	the	the	DET
easat-7236	310	19	authors	author	NOUN
easat-7236	310	20	;	;	PUNCT
easat-7236	310	21	licensee	licensee	PROPN
easat-7236	310	22	learning	learn	VERB
easat-7236	310	23	gate	gate	NOUN
easat-7236	310	24	references	reference	NOUN
easat-7236	310	25	[	[	X
easat-7236	310	26	1	1	NUM
easat-7236	310	27	]	]	PUNCT
easat-7236	310	28	h.	h.	PROPN
easat-7236	310	29	fatorachian	fatorachian	PROPN
easat-7236	310	30	et	et	PROPN
easat-7236	310	31	al	al	PROPN
easat-7236	310	32	.	.	PROPN
easat-7236	310	33	,	,	PUNCT
easat-7236	310	34	"	"	PUNCT
easat-7236	310	35	navigating	navigate	VERB
easat-7236	310	36	the	the	DET
easat-7236	310	37	challenges	challenge	NOUN
easat-7236	310	38	of	of	ADP
easat-7236	310	39	fintech	fintech	NOUN
easat-7236	310	40	startups	startup	NOUN
easat-7236	310	41	in	in	ADP
easat-7236	310	42	the	the	DET
easat-7236	310	43	b2c	b2c	ADJ
easat-7236	310	44	market	market	NOUN
easat-7236	310	45	,	,	PUNCT
easat-7236	310	46	"	"	PUNCT
easat-7236	310	47	cogent	cogent	NOUN
easat-7236	310	48	business	business	NOUN
easat-7236	310	49	&	&	CCONJ
easat-7236	310	50	management	management	PROPN
easat-7236	310	51	,	,	PUNCT
easat-7236	310	52	vol	vol	NOUN
easat-7236	310	53	.	.	PROPN
easat-7236	310	54	12	12	NUM
easat-7236	310	55	,	,	PUNCT
easat-7236	310	56	no	no	INTJ
easat-7236	310	57	.	.	NOUN
easat-7236	310	58	1	1	NUM
easat-7236	310	59	,	,	PUNCT
easat-7236	310	60	p.	p.	NOUN
easat-7236	310	61	2446696	2446696	NUM
easat-7236	310	62	,	,	PUNCT
easat-7236	310	63	2025	2025	NUM
easat-7236	310	64	.	.	PUNCT
easat-7236	311	1	https://doi.org/10.1080/23311975.2024.2446696	https://doi.org/10.1080/23311975.2024.2446696	X
easat-7236	312	1	[	[	X
easat-7236	312	2	2	2	NUM
easat-7236	312	3	]	]	PUNCT
easat-7236	312	4	m.	m.	PROPN
easat-7236	312	5	b.	b.	PROPN
easat-7236	312	6	amnas	amnas	PROPN
easat-7236	312	7	,	,	PUNCT
easat-7236	312	8	m.	m.	PROPN
easat-7236	312	9	selvam	selvam	PROPN
easat-7236	312	10	,	,	PUNCT
easat-7236	312	11	and	and	CCONJ
easat-7236	312	12	s.	s.	PROPN
easat-7236	312	13	parayitam	parayitam	PROPN
easat-7236	312	14	,	,	PUNCT
easat-7236	312	15	"	"	PUNCT
easat-7236	312	16	fintech	fintech	NOUN
easat-7236	312	17	and	and	CCONJ
easat-7236	312	18	financial	financial	ADJ
easat-7236	312	19	inclusion	inclusion	NOUN
easat-7236	312	20	:	:	PUNCT
easat-7236	312	21	exploring	explore	VERB
easat-7236	312	22	the	the	DET
easat-7236	312	23	mediating	mediate	VERB
easat-7236	312	24	role	role	NOUN
easat-7236	312	25	of	of	ADP
easat-7236	312	26	digital	digital	ADJ
easat-7236	312	27	financial	financial	ADJ
easat-7236	312	28	literacy	literacy	NOUN
easat-7236	312	29	and	and	CCONJ
easat-7236	312	30	the	the	DET
easat-7236	312	31	moderating	moderate	VERB
easat-7236	312	32	influence	influence	NOUN
easat-7236	312	33	of	of	ADP
easat-7236	312	34	perceived	perceive	VERB
easat-7236	312	35	regulatory	regulatory	ADJ
easat-7236	312	36	support	support	NOUN
easat-7236	312	37	,	,	PUNCT
easat-7236	312	38	"	"	PUNCT
easat-7236	312	39	journal	journal	NOUN
easat-7236	312	40	of	of	ADP
easat-7236	312	41	risk	risk	NOUN
easat-7236	312	42	and	and	CCONJ
easat-7236	312	43	financial	financial	ADJ
easat-7236	312	44	management	management	NOUN
easat-7236	312	45	,	,	PUNCT
easat-7236	312	46	vol	vol	NOUN
easat-7236	312	47	.	.	PROPN
easat-7236	312	48	17	17	NUM
easat-7236	312	49	,	,	PUNCT
easat-7236	312	50	no	no	INTJ
easat-7236	312	51	.	.	NOUN
easat-7236	312	52	3	3	NUM
easat-7236	312	53	,	,	PUNCT
easat-7236	312	54	p.	p.	NOUN
easat-7236	312	55	108	108	NUM
easat-7236	312	56	,	,	PUNCT
easat-7236	312	57	2024	2024	NUM
easat-7236	312	58	.	.	PUNCT
easat-7236	313	1	https://doi.org/10.3390/jrfm17030108	https://doi.org/10.3390/jrfm17030108	PROPN
easat-7236	313	2	[	[	X
easat-7236	313	3	3	3	X
easat-7236	313	4	]	]	PUNCT
easat-7236	313	5	p.	p.	PROPN
easat-7236	313	6	kumar	kumar	PROPN
easat-7236	313	7	,	,	PUNCT
easat-7236	313	8	r.	r.	PROPN
easat-7236	313	9	pillai	pillai	PROPN
easat-7236	313	10	,	,	PUNCT
easat-7236	313	11	n.	n.	PROPN
easat-7236	313	12	kumar	kumar	PROPN
easat-7236	313	13	,	,	PUNCT
easat-7236	313	14	and	and	CCONJ
easat-7236	313	15	m.	m.	PROPN
easat-7236	313	16	i.	i.	PROPN
easat-7236	313	17	tabash	tabash	PROPN
easat-7236	313	18	,	,	PUNCT
easat-7236	313	19	"	"	PUNCT
easat-7236	313	20	the	the	DET
easat-7236	313	21	interplay	interplay	NOUN
easat-7236	313	22	of	of	ADP
easat-7236	313	23	skills	skill	NOUN
easat-7236	313	24	,	,	PUNCT
easat-7236	313	25	digital	digital	ADJ
easat-7236	313	26	financial	financial	ADJ
easat-7236	313	27	literacy	literacy	NOUN
easat-7236	313	28	,	,	PUNCT
easat-7236	313	29	capability	capability	NOUN
easat-7236	313	30	,	,	PUNCT
easat-7236	313	31	and	and	CCONJ
easat-7236	313	32	autonomy	autonomy	NOUN
easat-7236	313	33	in	in	ADP
easat-7236	313	34	financial	financial	ADJ
easat-7236	313	35	decision	decision	NOUN
easat-7236	313	36	making	making	NOUN
easat-7236	313	37	and	and	CCONJ
easat-7236	313	38	well	well	ADV
easat-7236	313	39	-	-	PUNCT
easat-7236	313	40	being	being	NOUN
easat-7236	313	41	,	,	PUNCT
easat-7236	313	42	"	"	PUNCT
easat-7236	313	43	borsa	borsa	PROPN
easat-7236	313	44	istanbul	istanbul	PROPN
easat-7236	313	45	review	review	PROPN
easat-7236	313	46	,	,	PUNCT
easat-7236	313	47	vol	vol	NOUN
easat-7236	313	48	.	.	PROPN
easat-7236	313	49	23	23	NUM
easat-7236	313	50	,	,	PUNCT
easat-7236	313	51	no	no	INTJ
easat-7236	313	52	.	.	NOUN
easat-7236	313	53	1	1	NUM
easat-7236	313	54	,	,	PUNCT
easat-7236	313	55	pp	pp	ADJ
easat-7236	313	56	.	.	PUNCT
easat-7236	314	1	169	169	NUM
easat-7236	314	2	-	-	SYM
easat-7236	314	3	183	183	NUM
easat-7236	314	4	,	,	PUNCT
easat-7236	314	5	2023	2023	NUM
easat-7236	314	6	.	.	PUNCT
easat-7236	315	1	https://doi.org/10.1016/j.bir.2022.09.012	https://doi.org/10.1016/j.bir.2022.09.012	NOUN
easat-7236	315	2	[	[	X
easat-7236	315	3	4	4	NUM
easat-7236	315	4	]	]	PUNCT
easat-7236	315	5	j.	j.	PROPN
easat-7236	315	6	loomis	loomis	PROPN
easat-7236	315	7	and	and	CCONJ
easat-7236	315	8	d.	d.	PROPN
easat-7236	315	9	cockayne	cockayne	PROPN
easat-7236	315	10	,	,	PUNCT
easat-7236	315	11	"	"	PUNCT
easat-7236	315	12	a	a	DET
easat-7236	315	13	feminist	feminist	ADJ
easat-7236	315	14	approach	approach	NOUN
easat-7236	315	15	to	to	ADP
easat-7236	315	16	fintech	fintech	NOUN
easat-7236	315	17	:	:	PUNCT
easat-7236	315	18	exploring	explore	VERB
easat-7236	315	19	‘	'	PUNCT
easat-7236	315	20	buy	buy	VERB
easat-7236	315	21	now	now	ADV
easat-7236	315	22	,	,	PUNCT
easat-7236	315	23	pay	pay	VERB
easat-7236	315	24	later’technologies	later’technologie	NOUN
easat-7236	315	25	and	and	CCONJ
easat-7236	315	26	consumer	consumer	NOUN
easat-7236	315	27	fintech	fintech	NOUN
easat-7236	315	28	,	,	PUNCT
easat-7236	315	29	"	"	PUNCT
easat-7236	315	30	journal	journal	NOUN
easat-7236	315	31	of	of	ADP
easat-7236	315	32	cultural	cultural	ADJ
easat-7236	315	33	economy	economy	NOUN
easat-7236	315	34	,	,	PUNCT
easat-7236	315	35	vol	vol	NOUN
easat-7236	315	36	.	.	PROPN
easat-7236	315	37	18	18	NUM
easat-7236	315	38	,	,	PUNCT
easat-7236	315	39	no	no	INTJ
easat-7236	315	40	.	.	NOUN
easat-7236	315	41	1	1	NUM
easat-7236	315	42	,	,	PUNCT
easat-7236	315	43	pp	pp	ADJ
easat-7236	315	44	.	.	PUNCT
easat-7236	316	1	1	1	NUM
easat-7236	316	2	-	-	SYM
easat-7236	316	3	17	17	NUM
easat-7236	316	4	,	,	PUNCT
easat-7236	316	5	2025	2025	NUM
easat-7236	316	6	.	.	PUNCT
easat-7236	317	1	https://doi.org/10.1080/17530350.2024.2323692	https://doi.org/10.1080/17530350.2024.2323692	PROPN
easat-7236	318	1	[	[	X
easat-7236	318	2	5	5	NUM
easat-7236	318	3	]	]	PUNCT
easat-7236	318	4	p.	p.	PROPN
easat-7236	318	5	k.	k.	PROPN
easat-7236	318	6	ozili	ozili	PROPN
easat-7236	318	7	,	,	PUNCT
easat-7236	318	8	"	"	PUNCT
easat-7236	318	9	financial	financial	ADJ
easat-7236	318	10	inclusion	inclusion	NOUN
easat-7236	318	11	research	research	NOUN
easat-7236	318	12	around	around	ADP
easat-7236	318	13	the	the	DET
easat-7236	318	14	world	world	NOUN
easat-7236	318	15	:	:	PUNCT
easat-7236	318	16	a	a	DET
easat-7236	318	17	review	review	NOUN
easat-7236	318	18	,	,	PUNCT
easat-7236	318	19	"	"	PUNCT
easat-7236	318	20	forum	forum	NOUN
easat-7236	318	21	for	for	ADP
easat-7236	318	22	social	social	ADJ
easat-7236	318	23	economics	economic	NOUN
easat-7236	318	24	,	,	PUNCT
easat-7236	318	25	vol	vol	NOUN
easat-7236	318	26	.	.	PROPN
easat-7236	319	1	50	50	NUM
easat-7236	319	2	,	,	PUNCT
easat-7236	319	3	no	no	INTJ
easat-7236	319	4	.	.	NOUN
easat-7236	319	5	4	4	NUM
easat-7236	319	6	,	,	PUNCT
easat-7236	319	7	pp	pp	ADJ
easat-7236	319	8	.	.	PUNCT
easat-7236	320	1	457–479	457–479	NUM
easat-7236	320	2	,	,	PUNCT
easat-7236	320	3	2020	2020	NUM
easat-7236	320	4	.	.	PUNCT
easat-7236	320	5	https://doi.org/10.1080/07360932.2020.1715238	https://doi.org/10.1080/07360932.2020.1715238	X
easat-7236	321	1	[	[	X
easat-7236	321	2	6	6	NUM
easat-7236	321	3	]	]	PUNCT
easat-7236	321	4	j.	j.	PROPN
easat-7236	321	5	kass	kass	PROPN
easat-7236	321	6	-	-	PUNCT
easat-7236	321	7	hanna	hanna	PROPN
easat-7236	321	8	,	,	PUNCT
easat-7236	321	9	a.	a.	NOUN
easat-7236	321	10	c.	c.	PROPN
easat-7236	321	11	lyons	lyons	PROPN
easat-7236	321	12	,	,	PUNCT
easat-7236	321	13	and	and	CCONJ
easat-7236	321	14	f.	f.	PROPN
easat-7236	321	15	liu	liu	PROPN
easat-7236	321	16	,	,	PUNCT
easat-7236	321	17	"	"	PUNCT
easat-7236	321	18	building	build	VERB
easat-7236	321	19	financial	financial	ADJ
easat-7236	321	20	resilience	resilience	NOUN
easat-7236	321	21	through	through	ADP
easat-7236	321	22	financial	financial	ADJ
easat-7236	321	23	and	and	CCONJ
easat-7236	321	24	digital	digital	ADJ
easat-7236	321	25	literacy	literacy	NOUN
easat-7236	321	26	in	in	ADP
easat-7236	321	27	south	south	PROPN
easat-7236	321	28	asia	asia	PROPN
easat-7236	321	29	and	and	CCONJ
easat-7236	321	30	sub	sub	ADJ
easat-7236	321	31	-	-	ADJ
easat-7236	321	32	saharan	saharan	ADJ
easat-7236	321	33	africa	africa	PROPN
easat-7236	321	34	,	,	PUNCT
easat-7236	321	35	"	"	PUNCT
easat-7236	321	36	emerging	emerge	VERB
easat-7236	321	37	markets	market	NOUN
easat-7236	321	38	review	review	VERB
easat-7236	321	39	,	,	PUNCT
easat-7236	321	40	vol	vol	NOUN
easat-7236	321	41	.	.	PROPN
easat-7236	321	42	51	51	NUM
easat-7236	321	43	,	,	PUNCT
easat-7236	321	44	p.	p.	NOUN
easat-7236	321	45	100846	100846	NUM
easat-7236	321	46	,	,	PUNCT
easat-7236	321	47	2022	2022	NUM
easat-7236	321	48	.	.	PUNCT
easat-7236	322	1	https://doi.org/10.1016/j.ememar.2021.100846	https://doi.org/10.1016/j.ememar.2021.100846	PROPN
easat-7236	322	2	[	[	X
easat-7236	322	3	7	7	X
easat-7236	322	4	]	]	PUNCT
easat-7236	322	5	t.	t.	PROPN
easat-7236	322	6	kaiser	kaiser	PROPN
easat-7236	322	7	and	and	CCONJ
easat-7236	322	8	a.	a.	NOUN
easat-7236	322	9	lusardi	lusardi	PROPN
easat-7236	322	10	,	,	PUNCT
easat-7236	322	11	"	"	PUNCT
easat-7236	322	12	financial	financial	ADJ
easat-7236	322	13	literacy	literacy	NOUN
easat-7236	322	14	and	and	CCONJ
easat-7236	322	15	financial	financial	ADJ
easat-7236	322	16	education	education	NOUN
easat-7236	322	17	:	:	PUNCT
easat-7236	322	18	an	an	DET
easat-7236	322	19	overview	overview	NOUN
easat-7236	322	20	,	,	PUNCT
easat-7236	322	21	"	"	PUNCT
easat-7236	322	22	ssrn	ssrn	PROPN
easat-7236	322	23	electronic	electronic	ADJ
easat-7236	322	24	journal	journal	NOUN
easat-7236	322	25	,	,	PUNCT
easat-7236	322	26	p.	p.	NOUN
easat-7236	322	27	32355	32355	NUM
easat-7236	322	28	,	,	PUNCT
easat-7236	322	29	2024	2024	NUM
easat-7236	322	30	.	.	PUNCT
easat-7236	323	1	https://doi.org/10.2139/ssrn.4803857	https://doi.org/10.2139/ssrn.4803857	PROPN
easat-7236	323	2	[	[	X
easat-7236	323	3	8	8	NUM
easat-7236	323	4	]	]	PUNCT
easat-7236	323	5	m.	m.	NOUN
easat-7236	323	6	c.	c.	PROPN
easat-7236	323	7	nogueira	nogueira	PROPN
easat-7236	323	8	,	,	PUNCT
easat-7236	323	9	l.	l.	PROPN
easat-7236	323	10	almeida	almeida	PROPN
easat-7236	323	11	,	,	PUNCT
easat-7236	323	12	and	and	CCONJ
easat-7236	323	13	f.	f.	PROPN
easat-7236	323	14	o.	o.	PROPN
easat-7236	323	15	tavares	tavares	PROPN
easat-7236	323	16	,	,	PUNCT
easat-7236	323	17	"	"	PUNCT
easat-7236	323	18	financial	financial	ADJ
easat-7236	323	19	literacy	literacy	NOUN
easat-7236	323	20	,	,	PUNCT
easat-7236	323	21	financial	financial	ADJ
easat-7236	323	22	knowledge	knowledge	NOUN
easat-7236	323	23	,	,	PUNCT
easat-7236	323	24	and	and	CCONJ
easat-7236	323	25	financial	financial	ADJ
easat-7236	323	26	behaviors	behavior	NOUN
easat-7236	323	27	in	in	ADP
easat-7236	323	28	oecd	oecd	PROPN
easat-7236	323	29	countries	country	NOUN
easat-7236	323	30	,	,	PUNCT
easat-7236	323	31	"	"	PUNCT
easat-7236	323	32	journal	journal	NOUN
easat-7236	323	33	of	of	ADP
easat-7236	323	34	risk	risk	NOUN
easat-7236	323	35	and	and	CCONJ
easat-7236	323	36	financial	financial	ADJ
easat-7236	323	37	management	management	NOUN
easat-7236	323	38	,	,	PUNCT
easat-7236	323	39	vol	vol	NOUN
easat-7236	323	40	.	.	PROPN
easat-7236	323	41	18	18	NUM
easat-7236	323	42	,	,	PUNCT
easat-7236	323	43	no	no	INTJ
easat-7236	323	44	.	.	NOUN
easat-7236	323	45	3	3	NUM
easat-7236	323	46	,	,	PUNCT
easat-7236	323	47	p.	p.	NOUN
easat-7236	323	48	167	167	NUM
easat-7236	323	49	,	,	PUNCT
easat-7236	323	50	2025	2025	NUM
easat-7236	323	51	.	.	PUNCT
easat-7236	324	1	https://doi.org/10.3390/jrfm18030167	https://doi.org/10.3390/jrfm18030167	PROPN
easat-7236	325	1	[	[	X
easat-7236	325	2	9	9	NUM
easat-7236	325	3	]	]	PUNCT
easat-7236	325	4	s.	s.	PROPN
easat-7236	325	5	ananda	ananda	PROPN
easat-7236	325	6	,	,	PUNCT
easat-7236	325	7	r.	r.	PROPN
easat-7236	325	8	p.	p.	PROPN
easat-7236	325	9	kumar	kumar	PROPN
easat-7236	325	10	,	,	PUNCT
easat-7236	325	11	and	and	CCONJ
easat-7236	325	12	t.	t.	PROPN
easat-7236	325	13	dalwai	dalwai	PROPN
easat-7236	325	14	,	,	PUNCT
easat-7236	325	15	"	"	PUNCT
easat-7236	325	16	impact	impact	NOUN
easat-7236	325	17	of	of	ADP
easat-7236	325	18	financial	financial	ADJ
easat-7236	325	19	literacy	literacy	NOUN
easat-7236	325	20	on	on	ADP
easat-7236	325	21	savings	saving	NOUN
easat-7236	325	22	behavior	behavior	NOUN
easat-7236	325	23	:	:	PUNCT
easat-7236	325	24	the	the	DET
easat-7236	325	25	moderation	moderation	NOUN
easat-7236	325	26	role	role	NOUN
easat-7236	325	27	of	of	ADP
easat-7236	325	28	risk	risk	NOUN
easat-7236	325	29	aversion	aversion	NOUN
easat-7236	325	30	and	and	CCONJ
easat-7236	325	31	financial	financial	ADJ
easat-7236	325	32	confidence	confidence	NOUN
easat-7236	325	33	,	,	PUNCT
easat-7236	325	34	"	"	PUNCT
easat-7236	325	35	journal	journal	NOUN
easat-7236	325	36	of	of	ADP
easat-7236	325	37	financial	financial	ADJ
easat-7236	325	38	services	service	NOUN
easat-7236	325	39	marketing	marketing	NOUN
easat-7236	325	40	,	,	PUNCT
easat-7236	325	41	vol	vol	NOUN
easat-7236	325	42	.	.	PROPN
easat-7236	325	43	29	29	NUM
easat-7236	325	44	,	,	PUNCT
easat-7236	325	45	no	no	INTJ
easat-7236	325	46	.	.	NOUN
easat-7236	325	47	3	3	NUM
easat-7236	325	48	,	,	PUNCT
easat-7236	325	49	pp	pp	ADJ
easat-7236	325	50	.	.	PUNCT
easat-7236	325	51	843	843	NUM
easat-7236	325	52	-	-	SYM
easat-7236	325	53	854	854	NUM
easat-7236	325	54	,	,	PUNCT
easat-7236	325	55	2024	2024	NUM
easat-7236	325	56	.	.	PUNCT
easat-7236	326	1	https://doi.org/10.1057/s41264-023-00265-1	https://doi.org/10.1057/s41264-023-00265-1	X
easat-7236	327	1	[	[	X
easat-7236	327	2	10	10	NUM
easat-7236	327	3	]	]	X
easat-7236	327	4	c.	c.	PROPN
easat-7236	327	5	s.	s.	PROPN
easat-7236	327	6	naznin	naznin	PROPN
easat-7236	327	7	,	,	PUNCT
easat-7236	327	8	s.	s.	PROPN
easat-7236	327	9	b.	b.	PROPN
easat-7236	327	10	kabir	kabir	PROPN
easat-7236	327	11	,	,	PUNCT
easat-7236	327	12	p.	p.	NOUN
easat-7236	327	13	akhter	akhter	NOUN
easat-7236	327	14	,	,	PUNCT
easat-7236	327	15	and	and	CCONJ
easat-7236	327	16	r.	r.	PROPN
easat-7236	327	17	p.	p.	PROPN
easat-7236	327	18	bokhari	bokhari	PROPN
easat-7236	327	19	,	,	PUNCT
easat-7236	327	20	"	"	PUNCT
easat-7236	327	21	how	how	SCONJ
easat-7236	327	22	financial	financial	ADJ
easat-7236	327	23	literacy	literacy	NOUN
easat-7236	327	24	impacts	impact	VERB
easat-7236	327	25	financial	financial	ADJ
easat-7236	327	26	well	well	NOUN
easat-7236	327	27	-	-	PUNCT
easat-7236	327	28	being	being	NOUN
easat-7236	327	29	:	:	PUNCT
easat-7236	327	30	the	the	DET
easat-7236	327	31	influence	influence	NOUN
easat-7236	327	32	of	of	ADP
easat-7236	327	33	financial	financial	ADJ
easat-7236	327	34	and	and	CCONJ
easat-7236	327	35	technical	technical	ADJ
easat-7236	327	36	efficacy	efficacy	NOUN
easat-7236	327	37	,	,	PUNCT
easat-7236	327	38	"	"	PUNCT
easat-7236	327	39	international	international	ADJ
easat-7236	327	40	journal	journal	NOUN
easat-7236	327	41	of	of	ADP
easat-7236	327	42	economics	economic	NOUN
easat-7236	327	43	and	and	CCONJ
easat-7236	327	44	financial	financial	ADJ
easat-7236	327	45	issues	issue	NOUN
easat-7236	327	46	,	,	PUNCT
easat-7236	327	47	vol	vol	NOUN
easat-7236	327	48	.	.	PROPN
easat-7236	328	1	14	14	NUM
easat-7236	328	2	,	,	PUNCT
easat-7236	328	3	no	no	INTJ
easat-7236	328	4	.	.	NOUN
easat-7236	328	5	2	2	NUM
easat-7236	328	6	,	,	PUNCT
easat-7236	328	7	pp	pp	ADJ
easat-7236	328	8	.	.	PUNCT
easat-7236	329	1	207	207	NUM
easat-7236	329	2	-	-	SYM
easat-7236	329	3	217	217	NUM
easat-7236	329	4	,	,	PUNCT
easat-7236	329	5	2024	2024	NUM
easat-7236	329	6	.	.	PUNCT
easat-7236	330	1	https://doi.org/10.32479/ijefi.15806	https://doi.org/10.32479/ijefi.15806	NOUN
easat-7236	330	2	[	[	X
easat-7236	330	3	11	11	NUM
easat-7236	330	4	]	]	PUNCT
easat-7236	330	5	k.	k.	NOUN
easat-7236	330	6	devender	devender	PROPN
easat-7236	330	7	,	,	PUNCT
easat-7236	330	8	kafila	kafila	PROPN
easat-7236	330	9	,	,	PUNCT
easat-7236	330	10	g.	g.	PROPN
easat-7236	330	11	goli	goli	PROPN
easat-7236	330	12	,	,	PUNCT
easat-7236	330	13	and	and	CCONJ
easat-7236	330	14	m.	m.	PROPN
easat-7236	330	15	shravan	shravan	PROPN
easat-7236	330	16	,	,	PUNCT
easat-7236	330	17	"	"	PUNCT
easat-7236	330	18	bibliometric	bibliometric	ADJ
easat-7236	330	19	trends	trend	NOUN
easat-7236	330	20	in	in	ADP
easat-7236	330	21	smes	smes	PROPN
easat-7236	330	22	financial	financial	ADJ
easat-7236	330	23	literacy	literacy	NOUN
easat-7236	330	24	research	research	NOUN
easat-7236	330	25	from	from	ADP
easat-7236	330	26	2021	2021	NUM
easat-7236	330	27	to	to	ADP
easat-7236	330	28	2024	2024	NUM
easat-7236	330	29	,	,	PUNCT
easat-7236	330	30	"	"	PUNCT
easat-7236	330	31	future	future	ADJ
easat-7236	330	32	business	business	NOUN
easat-7236	330	33	journal	journal	NOUN
easat-7236	330	34	,	,	PUNCT
easat-7236	330	35	vol	vol	NOUN
easat-7236	330	36	.	.	PROPN
easat-7236	330	37	11	11	NUM
easat-7236	330	38	,	,	PUNCT
easat-7236	330	39	no	no	INTJ
easat-7236	330	40	.	.	NOUN
easat-7236	330	41	1	1	NUM
easat-7236	330	42	,	,	PUNCT
easat-7236	330	43	p.	p.	NOUN
easat-7236	330	44	69	69	NUM
easat-7236	330	45	,	,	PUNCT
easat-7236	330	46	2025	2025	NUM
easat-7236	330	47	.	.	PUNCT
easat-7236	331	1	https://doi.org/10.1186/s43093-025-00495-w	https://doi.org/10.1186/s43093-025-00495-w	NOUN
easat-7236	331	2	[	[	X
easat-7236	331	3	12	12	NUM
easat-7236	331	4	]	]	X
easat-7236	331	5	d.	d.	PROPN
easat-7236	331	6	mishra	mishra	PROPN
easat-7236	331	7	,	,	PUNCT
easat-7236	331	8	n.	n.	PROPN
easat-7236	331	9	agarwal	agarwal	PROPN
easat-7236	331	10	,	,	PUNCT
easat-7236	331	11	s.	s.	PROPN
easat-7236	331	12	sharahiley	sharahiley	PROPN
easat-7236	331	13	,	,	PUNCT
easat-7236	331	14	and	and	CCONJ
easat-7236	331	15	v.	v.	ADP
easat-7236	331	16	kandpal	kandpal	NOUN
easat-7236	331	17	,	,	PUNCT
easat-7236	331	18	"	"	PUNCT
easat-7236	331	19	digital	digital	ADJ
easat-7236	331	20	financial	financial	ADJ
easat-7236	331	21	literacy	literacy	NOUN
easat-7236	331	22	and	and	CCONJ
easat-7236	331	23	its	its	PRON
easat-7236	331	24	impact	impact	NOUN
easat-7236	331	25	on	on	ADP
easat-7236	331	26	financial	financial	ADJ
easat-7236	331	27	decisionmaking	decisionmaking	NOUN
easat-7236	331	28	of	of	ADP
easat-7236	331	29	women	woman	NOUN
easat-7236	331	30	:	:	PUNCT
easat-7236	331	31	evidence	evidence	NOUN
easat-7236	331	32	from	from	ADP
easat-7236	331	33	india	india	PROPN
easat-7236	331	34	,	,	PUNCT
easat-7236	331	35	"	"	PUNCT
easat-7236	331	36	journal	journal	NOUN
easat-7236	331	37	of	of	ADP
easat-7236	331	38	risk	risk	NOUN
easat-7236	331	39	and	and	CCONJ
easat-7236	331	40	financial	financial	ADJ
easat-7236	331	41	management	management	NOUN
easat-7236	331	42	,	,	PUNCT
easat-7236	331	43	vol	vol	NOUN
easat-7236	331	44	.	.	PROPN
easat-7236	331	45	17	17	NUM
easat-7236	331	46	,	,	PUNCT
easat-7236	331	47	no	no	INTJ
easat-7236	331	48	.	.	NOUN
easat-7236	331	49	10	10	NUM
easat-7236	331	50	,	,	PUNCT
easat-7236	331	51	p.	p.	NOUN
easat-7236	331	52	468	468	NUM
easat-7236	331	53	,	,	PUNCT
easat-7236	331	54	2024	2024	NUM
easat-7236	331	55	.	.	PUNCT
easat-7236	332	1	https://doi.org/10.3390/jrfm17100468	https://doi.org/10.3390/jrfm17100468	PROPN
easat-7236	332	2	[	[	X
easat-7236	332	3	13	13	NUM
easat-7236	332	4	]	]	PUNCT
easat-7236	332	5	s.	s.	PROPN
easat-7236	332	6	shafiee	shafiee	PROPN
easat-7236	332	7	,	,	PUNCT
easat-7236	332	8	l.	l.	PROPN
easat-7236	332	9	l.	l.	PROPN
easat-7236	332	10	zhang	zhang	PROPN
easat-7236	332	11	,	,	PUNCT
easat-7236	332	12	and	and	CCONJ
easat-7236	332	13	k.	k.	PROPN
easat-7236	332	14	m.	m.	PROPN
easat-7236	332	15	rasmussen	rasmussen	PROPN
easat-7236	332	16	,	,	PUNCT
easat-7236	332	17	"	"	PUNCT
easat-7236	332	18	improving	improve	VERB
easat-7236	332	19	financial	financial	ADJ
easat-7236	332	20	literacy	literacy	NOUN
easat-7236	332	21	and	and	CCONJ
easat-7236	332	22	supporting	support	VERB
easat-7236	332	23	financial	financial	ADJ
easat-7236	332	24	decisions	decision	NOUN
easat-7236	332	25	:	:	PUNCT
easat-7236	332	26	developing	develop	VERB
easat-7236	332	27	a	a	DET
easat-7236	332	28	personalized	personalized	ADJ
easat-7236	332	29	configurator	configurator	NOUN
easat-7236	332	30	,	,	PUNCT
easat-7236	332	31	"	"	PUNCT
easat-7236	332	32	journal	journal	NOUN
easat-7236	332	33	of	of	ADP
easat-7236	332	34	the	the	DET
easat-7236	332	35	knowledge	knowledge	NOUN
easat-7236	332	36	economy	economy	NOUN
easat-7236	332	37	,	,	PUNCT
easat-7236	332	38	vol	vol	NOUN
easat-7236	332	39	.	.	PROPN
easat-7236	332	40	15	15	NUM
easat-7236	332	41	,	,	PUNCT
easat-7236	332	42	no	no	INTJ
easat-7236	332	43	.	.	NOUN
easat-7236	332	44	3	3	NUM
easat-7236	332	45	,	,	PUNCT
easat-7236	332	46	pp	pp	ADJ
easat-7236	332	47	.	.	PUNCT
easat-7236	333	1	14256	14256	NUM
easat-7236	333	2	-	-	SYM
easat-7236	333	3	14285	14285	NUM
easat-7236	333	4	,	,	PUNCT
easat-7236	333	5	2024	2024	NUM
easat-7236	333	6	.	.	PUNCT
easat-7236	334	1	https://doi.org/10.1007/s13132-023-01651-9	https://doi.org/10.1007/s13132-023-01651-9	PUNCT
easat-7236	335	1	[	[	X
easat-7236	335	2	14	14	NUM
easat-7236	335	3	]	]	PUNCT
easat-7236	335	4	k.	k.	PROPN
easat-7236	335	5	rehman	rehman	PROPN
easat-7236	335	6	and	and	CCONJ
easat-7236	335	7	m.	m.	NOUN
easat-7236	335	8	a.	a.	PROPN
easat-7236	335	9	mia	mia	PROPN
easat-7236	335	10	,	,	PUNCT
easat-7236	335	11	"	"	PUNCT
easat-7236	335	12	determinants	determinant	NOUN
easat-7236	335	13	of	of	ADP
easat-7236	335	14	financial	financial	ADJ
easat-7236	335	15	literacy	literacy	NOUN
easat-7236	335	16	:	:	PUNCT
easat-7236	335	17	a	a	DET
easat-7236	335	18	systematic	systematic	ADJ
easat-7236	335	19	review	review	NOUN
easat-7236	335	20	and	and	CCONJ
easat-7236	335	21	future	future	ADJ
easat-7236	335	22	research	research	NOUN
easat-7236	335	23	directions	direction	NOUN
easat-7236	335	24	,	,	PUNCT
easat-7236	335	25	"	"	PUNCT
easat-7236	335	26	future	future	ADJ
easat-7236	335	27	business	business	NOUN
easat-7236	335	28	journal	journal	NOUN
easat-7236	335	29	,	,	PUNCT
easat-7236	335	30	vol	vol	NOUN
easat-7236	335	31	.	.	PROPN
easat-7236	335	32	10	10	NUM
easat-7236	335	33	,	,	PUNCT
easat-7236	335	34	no	no	INTJ
easat-7236	335	35	.	.	NOUN
easat-7236	335	36	1	1	NUM
easat-7236	335	37	,	,	PUNCT
easat-7236	335	38	p.	p.	NOUN
easat-7236	335	39	75	75	NUM
easat-7236	335	40	,	,	PUNCT
easat-7236	335	41	2024	2024	NUM
easat-7236	335	42	.	.	PUNCT
easat-7236	336	1	https://doi.org/10.1186/s43093-024-00365-x	https://doi.org/10.1186/s43093-024-00365-x	PROPN
easat-7236	337	1	[	[	X
easat-7236	337	2	15	15	NUM
easat-7236	337	3	]	]	PUNCT
easat-7236	338	1	k.	k.	PROPN
easat-7236	338	2	inghelbrecht	inghelbrecht	PROPN
easat-7236	338	3	and	and	CCONJ
easat-7236	338	4	m.	m.	NOUN
easat-7236	338	5	tedde	tedde	PROPN
easat-7236	338	6	,	,	PUNCT
easat-7236	338	7	"	"	PUNCT
easat-7236	338	8	overconfidence	overconfidence	NOUN
easat-7236	338	9	,	,	PUNCT
easat-7236	338	10	financial	financial	ADJ
easat-7236	338	11	literacy	literacy	NOUN
easat-7236	338	12	and	and	CCONJ
easat-7236	338	13	excessive	excessive	ADJ
easat-7236	338	14	trading	trading	NOUN
easat-7236	338	15	,	,	PUNCT
easat-7236	338	16	"	"	PUNCT
easat-7236	338	17	journal	journal	NOUN
easat-7236	338	18	of	of	ADP
easat-7236	338	19	economic	economic	ADJ
easat-7236	338	20	behavior	behavior	NOUN
easat-7236	338	21	&	&	CCONJ
easat-7236	338	22	organization	organization	PROPN
easat-7236	338	23	,	,	PUNCT
easat-7236	338	24	vol	vol	NOUN
easat-7236	338	25	.	.	PROPN
easat-7236	338	26	219	219	NUM
easat-7236	338	27	,	,	PUNCT
easat-7236	338	28	pp	pp	ADJ
easat-7236	338	29	.	.	PUNCT
easat-7236	339	1	152	152	NUM
easat-7236	339	2	-	-	SYM
easat-7236	339	3	195	195	NUM
easat-7236	339	4	,	,	PUNCT
easat-7236	339	5	2024	2024	NUM
easat-7236	339	6	.	.	PUNCT
easat-7236	340	1	https://doi.org/10.1016/j.jebo.2024.01.010	https://doi.org/10.1016/j.jebo.2024.01.010	PROPN
easat-7236	340	2	[	[	X
easat-7236	340	3	16	16	NUM
easat-7236	340	4	]	]	PUNCT
easat-7236	340	5	m.	m.	NOUN
easat-7236	340	6	tao	tao	PROPN
easat-7236	340	7	,	,	PUNCT
easat-7236	340	8	b.	b.	PROPN
easat-7236	340	9	lin	lin	PROPN
easat-7236	340	10	,	,	PUNCT
easat-7236	340	11	s.	s.	PROPN
easat-7236	340	12	poletti	poletti	PROPN
easat-7236	340	13	,	,	PUNCT
easat-7236	340	14	and	and	CCONJ
easat-7236	340	15	a.	a.	NOUN
easat-7236	340	16	pan	pan	PROPN
easat-7236	340	17	,	,	PUNCT
easat-7236	340	18	"	"	PUNCT
easat-7236	340	19	can	can	AUX
easat-7236	340	20	financial	financial	ADJ
easat-7236	340	21	literacy	literacy	NOUN
easat-7236	340	22	ease	ease	VERB
easat-7236	340	23	energy	energy	NOUN
easat-7236	340	24	poverty	poverty	NOUN
easat-7236	340	25	?	?	PUNCT
easat-7236	341	1	some	some	DET
easat-7236	341	2	lessons	lesson	NOUN
easat-7236	341	3	at	at	ADP
easat-7236	341	4	the	the	DET
easat-7236	341	5	household	household	NOUN
easat-7236	341	6	level	level	NOUN
easat-7236	341	7	in	in	ADP
easat-7236	341	8	china	china	PROPN
easat-7236	341	9	,	,	PUNCT
easat-7236	341	10	"	"	PUNCT
easat-7236	341	11	utilities	utility	NOUN
easat-7236	341	12	policy	policy	NOUN
easat-7236	341	13	,	,	PUNCT
easat-7236	341	14	vol	vol	NOUN
easat-7236	341	15	.	.	PROPN
easat-7236	341	16	91	91	NUM
easat-7236	341	17	,	,	PUNCT
easat-7236	341	18	p.	p.	NOUN
easat-7236	341	19	101835	101835	NUM
easat-7236	341	20	,	,	PUNCT
easat-7236	341	21	2024	2024	NUM
easat-7236	341	22	.	.	PUNCT
easat-7236	342	1	https://doi.org/10.1016/j.jup.2024.101835	https://doi.org/10.1016/j.jup.2024.101835	PROPN
easat-7236	343	1	[	[	X
easat-7236	343	2	17	17	NUM
easat-7236	343	3	]	]	PUNCT
easat-7236	343	4	m.	m.	PROPN
easat-7236	343	5	hasan	hasan	PROPN
easat-7236	343	6	,	,	PUNCT
easat-7236	343	7	t.	t.	PROPN
easat-7236	343	8	le	le	PROPN
easat-7236	343	9	,	,	PUNCT
easat-7236	343	10	and	and	CCONJ
easat-7236	343	11	a.	a.	NOUN
easat-7236	343	12	hoque	hoque	NOUN
easat-7236	343	13	,	,	PUNCT
easat-7236	343	14	"	"	PUNCT
easat-7236	343	15	how	how	SCONJ
easat-7236	343	16	does	do	VERB
easat-7236	343	17	financial	financial	ADJ
easat-7236	343	18	literacy	literacy	NOUN
easat-7236	343	19	impact	impact	NOUN
easat-7236	343	20	on	on	ADP
easat-7236	343	21	inclusive	inclusive	ADJ
easat-7236	343	22	finance	finance	NOUN
easat-7236	343	23	?	?	PUNCT
easat-7236	343	24	,	,	PUNCT
easat-7236	343	25	"	"	PUNCT
easat-7236	343	26	financial	financial	ADJ
easat-7236	343	27	innovation	innovation	NOUN
easat-7236	343	28	,	,	PUNCT
easat-7236	343	29	vol	vol	NOUN
easat-7236	343	30	.	.	PROPN
easat-7236	343	31	7	7	NUM
easat-7236	343	32	,	,	PUNCT
easat-7236	343	33	no	no	INTJ
easat-7236	343	34	.	.	NOUN
easat-7236	343	35	1	1	NUM
easat-7236	343	36	,	,	PUNCT
easat-7236	343	37	p.	p.	NOUN
easat-7236	343	38	40	40	NUM
easat-7236	343	39	,	,	PUNCT
easat-7236	343	40	2021	2021	NUM
easat-7236	343	41	.	.	PUNCT
easat-7236	343	42	https://doi.org/10.1186/s40854-021-00259-9	https://doi.org/10.1186/s40854-021-00259-9	PUNCT
easat-7236	344	1	[	[	X
easat-7236	344	2	18	18	NUM
easat-7236	344	3	]	]	X
easat-7236	344	4	h.	h.	PROPN
easat-7236	344	5	he	he	PROPN
easat-7236	344	6	,	,	PUNCT
easat-7236	344	7	w.	w.	PROPN
easat-7236	344	8	luo	luo	PROPN
easat-7236	344	9	,	,	PUNCT
easat-7236	344	10	y.	y.	PROPN
easat-7236	344	11	gong	gong	PROPN
easat-7236	344	12	,	,	PUNCT
easat-7236	344	13	i.	i.	PROPN
easat-7236	344	14	r.	r.	PROPN
easat-7236	344	15	berson	berson	PROPN
easat-7236	344	16	,	,	PUNCT
easat-7236	344	17	and	and	CCONJ
easat-7236	344	18	m.	m.	PROPN
easat-7236	344	19	j.	j.	PROPN
easat-7236	344	20	berson	berson	PROPN
easat-7236	344	21	,	,	PUNCT
easat-7236	344	22	"	"	PUNCT
easat-7236	344	23	digital	digital	ADJ
easat-7236	344	24	financial	financial	ADJ
easat-7236	344	25	literacy	literacy	NOUN
easat-7236	344	26	of	of	ADP
easat-7236	344	27	young	young	ADJ
easat-7236	344	28	chinese	chinese	ADJ
easat-7236	344	29	children	child	NOUN
easat-7236	344	30	in	in	ADP
easat-7236	344	31	shanghai	shanghai	PROPN
easat-7236	344	32	:	:	PUNCT
easat-7236	344	33	a	a	DET
easat-7236	344	34	mixed	mixed	ADJ
easat-7236	344	35	method	method	NOUN
easat-7236	344	36	study	study	NOUN
easat-7236	344	37	,	,	PUNCT
easat-7236	344	38	"	"	PUNCT
easat-7236	344	39	early	early	ADJ
easat-7236	344	40	education	education	NOUN
easat-7236	344	41	and	and	CCONJ
easat-7236	344	42	development	development	NOUN
easat-7236	344	43	,	,	PUNCT
easat-7236	344	44	vol	vol	NOUN
easat-7236	344	45	.	.	PROPN
easat-7236	344	46	35	35	NUM
easat-7236	344	47	,	,	PUNCT
easat-7236	344	48	no	no	INTJ
easat-7236	344	49	.	.	NOUN
easat-7236	344	50	1	1	NUM
easat-7236	344	51	,	,	PUNCT
easat-7236	344	52	pp	pp	ADJ
easat-7236	344	53	.	.	PUNCT
easat-7236	345	1	57	57	NUM
easat-7236	345	2	-	-	SYM
easat-7236	345	3	76	76	NUM
easat-7236	345	4	,	,	PUNCT
easat-7236	345	5	2024	2024	NUM
easat-7236	345	6	.	.	PUNCT
easat-7236	346	1	https://doi.org/10.1080/10409289.2023.2208011	https://doi.org/10.1080/10409289.2023.2208011	PROPN
easat-7236	347	1	[	[	X
easat-7236	347	2	19	19	NUM
easat-7236	347	3	]	]	X
easat-7236	347	4	n.	n.	PROPN
easat-7236	347	5	d.	d.	PROPN
easat-7236	347	6	philippas	philippas	PROPN
easat-7236	347	7	and	and	CCONJ
easat-7236	347	8	c.	c.	PROPN
easat-7236	347	9	avdoulas	avdoula	NOUN
easat-7236	347	10	,	,	PUNCT
easat-7236	347	11	"	"	PUNCT
easat-7236	347	12	financial	financial	ADJ
easat-7236	347	13	literacy	literacy	NOUN
easat-7236	347	14	and	and	CCONJ
easat-7236	347	15	financial	financial	ADJ
easat-7236	347	16	well	well	NOUN
easat-7236	347	17	-	-	PUNCT
easat-7236	347	18	being	being	NOUN
easat-7236	347	19	among	among	ADP
easat-7236	347	20	generation	generation	NOUN
easat-7236	347	21	-	-	PUNCT
easat-7236	347	22	z	z	NOUN
easat-7236	347	23	university	university	NOUN
easat-7236	347	24	students	student	NOUN
easat-7236	347	25	:	:	PUNCT
easat-7236	347	26	evidence	evidence	NOUN
easat-7236	347	27	from	from	ADP
easat-7236	347	28	greece	greece	PROPN
easat-7236	347	29	,	,	PUNCT
easat-7236	347	30	"	"	PUNCT
easat-7236	347	31	routledge	routledge	NOUN
easat-7236	347	32	,	,	PUNCT
easat-7236	347	33	2021	2021	NUM
easat-7236	347	34	,	,	PUNCT
easat-7236	347	35	pp	pp	ADJ
easat-7236	347	36	.	.	PUNCT
easat-7236	348	1	64	64	NUM
easat-7236	348	2	-	-	SYM
easat-7236	348	3	85	85	NUM
easat-7236	348	4	.	.	PUNCT
easat-7236	349	1	[	[	X
easat-7236	349	2	20	20	NUM
easat-7236	349	3	]	]	X
easat-7236	349	4	g.	g.	PROPN
easat-7236	349	5	b.	b.	PROPN
easat-7236	349	6	ferilli	ferilli	PROPN
easat-7236	349	7	,	,	PUNCT
easat-7236	349	8	e.	e.	PROPN
easat-7236	349	9	palmieri	palmieri	PROPN
easat-7236	349	10	,	,	PUNCT
easat-7236	349	11	s.	s.	PROPN
easat-7236	349	12	miani	miani	PROPN
easat-7236	349	13	,	,	PUNCT
easat-7236	349	14	and	and	CCONJ
easat-7236	350	1	v.	v.	ADP
easat-7236	350	2	stefanelli	stefanelli	NOUN
easat-7236	350	3	,	,	PUNCT
easat-7236	350	4	"	"	PUNCT
easat-7236	350	5	the	the	DET
easat-7236	350	6	impact	impact	NOUN
easat-7236	350	7	of	of	ADP
easat-7236	350	8	fintech	fintech	NOUN
easat-7236	350	9	innovation	innovation	NOUN
easat-7236	350	10	on	on	ADP
easat-7236	350	11	digital	digital	ADJ
easat-7236	350	12	financial	financial	ADJ
easat-7236	350	13	literacy	literacy	NOUN
easat-7236	350	14	in	in	ADP
easat-7236	350	15	europe	europe	PROPN
easat-7236	350	16	:	:	PUNCT
easat-7236	350	17	insights	insight	NOUN
easat-7236	350	18	from	from	ADP
easat-7236	350	19	the	the	DET
easat-7236	350	20	banking	banking	NOUN
easat-7236	350	21	industry	industry	NOUN
easat-7236	350	22	,	,	PUNCT
easat-7236	350	23	"	"	PUNCT
easat-7236	350	24	research	research	NOUN
easat-7236	350	25	in	in	ADP
easat-7236	350	26	international	international	ADJ
easat-7236	350	27	business	business	NOUN
easat-7236	350	28	and	and	CCONJ
easat-7236	350	29	finance	finance	NOUN
easat-7236	350	30	,	,	PUNCT
easat-7236	350	31	vol	vol	NOUN
easat-7236	350	32	.	.	PROPN
easat-7236	350	33	69	69	NUM
easat-7236	350	34	,	,	PUNCT
easat-7236	350	35	p.	p.	NOUN
easat-7236	350	36	102218	102218	NUM
easat-7236	350	37	,	,	PUNCT
easat-7236	350	38	2024	2024	NUM
easat-7236	350	39	.	.	PUNCT
easat-7236	351	1	https://doi.org/10.1016/j.ribaf.2024.102218	https://doi.org/10.1016/j.ribaf.2024.102218	NOUN
easat-7236	351	2	[	[	X
easat-7236	351	3	21	21	NUM
easat-7236	351	4	]	]	X
easat-7236	351	5	j.	j.	PROPN
easat-7236	351	6	jungo	jungo	PROPN
easat-7236	351	7	,	,	PUNCT
easat-7236	351	8	m.	m.	NOUN
easat-7236	351	9	madaleno	madaleno	PROPN
easat-7236	351	10	,	,	PUNCT
easat-7236	351	11	and	and	CCONJ
easat-7236	351	12	a.	a.	NOUN
easat-7236	351	13	botelho	botelho	NOUN
easat-7236	351	14	,	,	PUNCT
easat-7236	351	15	"	"	PUNCT
easat-7236	351	16	financial	financial	ADJ
easat-7236	351	17	literacy	literacy	NOUN
easat-7236	351	18	,	,	PUNCT
easat-7236	351	19	financial	financial	ADJ
easat-7236	351	20	innovation	innovation	NOUN
easat-7236	351	21	,	,	PUNCT
easat-7236	351	22	and	and	CCONJ
easat-7236	351	23	financial	financial	ADJ
easat-7236	351	24	inclusion	inclusion	NOUN
easat-7236	351	25	as	as	ADP
easat-7236	351	26	mitigating	mitigate	VERB
easat-7236	351	27	factors	factor	NOUN
easat-7236	351	28	of	of	ADP
easat-7236	351	29	the	the	DET
easat-7236	351	30	adverse	adverse	ADJ
easat-7236	351	31	effect	effect	NOUN
easat-7236	351	32	of	of	ADP
easat-7236	351	33	corruption	corruption	NOUN
easat-7236	351	34	on	on	ADP
easat-7236	351	35	banking	banking	NOUN
easat-7236	351	36	stability	stability	NOUN
easat-7236	351	37	indicators	indicator	NOUN
easat-7236	351	38	,	,	PUNCT
easat-7236	351	39	"	"	PUNCT
easat-7236	351	40	journal	journal	NOUN
easat-7236	351	41	of	of	ADP
easat-7236	351	42	the	the	DET
easat-7236	351	43	knowledge	knowledge	NOUN
easat-7236	351	44	economy	economy	NOUN
easat-7236	351	45	,	,	PUNCT
easat-7236	351	46	vol	vol	NOUN
easat-7236	351	47	.	.	PROPN
easat-7236	351	48	15	15	NUM
easat-7236	351	49	,	,	PUNCT
easat-7236	351	50	no	no	INTJ
easat-7236	351	51	.	.	NOUN
easat-7236	351	52	2	2	NUM
easat-7236	351	53	,	,	PUNCT
easat-7236	351	54	pp	pp	ADJ
easat-7236	351	55	.	.	PUNCT
easat-7236	351	56	8842	8842	NUM
easat-7236	351	57	-	-	SYM
easat-7236	351	58	8873	8873	NUM
easat-7236	351	59	,	,	PUNCT
easat-7236	351	60	2024	2024	NUM
easat-7236	351	61	.	.	PUNCT
easat-7236	352	1	https://doi.org/10.1007/s13132-023-01442-2	https://doi.org/10.1007/s13132-023-01442-2	VERB
easat-7236	353	1	[	[	X
easat-7236	353	2	22	22	NUM
easat-7236	353	3	]	]	PUNCT
easat-7236	353	4	e.	e.	PROPN
easat-7236	353	5	aracil	aracil	PROPN
easat-7236	353	6	,	,	PUNCT
easat-7236	353	7	j.	j.	PROPN
easat-7236	353	8	jung	jung	PROPN
easat-7236	353	9	,	,	PUNCT
easat-7236	353	10	and	and	CCONJ
easat-7236	353	11	a.	a.	NOUN
easat-7236	353	12	melguizo	melguizo	PROPN
easat-7236	353	13	,	,	PUNCT
easat-7236	353	14	"	"	PUNCT
easat-7236	353	15	leveraging	leverage	VERB
easat-7236	353	16	fintech	fintech	NOUN
easat-7236	353	17	mobile	mobile	NOUN
easat-7236	353	18	money	money	NOUN
easat-7236	353	19	to	to	PART
easat-7236	353	20	expand	expand	VERB
easat-7236	353	21	banks	bank	NOUN
easat-7236	353	22	’	'	PUNCT
easat-7236	353	23	financial	financial	ADJ
easat-7236	353	24	services	service	NOUN
easat-7236	353	25	in	in	ADP
easat-7236	353	26	developing	develop	VERB
easat-7236	353	27	countries	country	NOUN
easat-7236	353	28	,	,	PUNCT
easat-7236	353	29	"	"	PUNCT
easat-7236	353	30	finance	finance	NOUN
easat-7236	353	31	research	research	NOUN
easat-7236	353	32	letters	letter	NOUN
easat-7236	353	33	,	,	PUNCT
easat-7236	353	34	vol	vol	NOUN
easat-7236	353	35	.	.	PROPN
easat-7236	353	36	72	72	NUM
easat-7236	353	37	,	,	PUNCT
easat-7236	353	38	p.	p.	NOUN
easat-7236	353	39	106280	106280	NUM
easat-7236	353	40	,	,	PUNCT
easat-7236	353	41	2025	2025	NUM
easat-7236	353	42	.	.	PUNCT
easat-7236	354	1	https://doi.org/10.1016/j.frl.2024.106280	https://doi.org/10.1016/j.frl.2024.106280	PROPN
easat-7236	354	2	[	[	X
easat-7236	354	3	23	23	NUM
easat-7236	354	4	]	]	X
easat-7236	354	5	n.	n.	PROPN
easat-7236	354	6	del	del	PROPN
easat-7236	354	7	sarto	sarto	PROPN
easat-7236	354	8	and	and	CCONJ
easat-7236	354	9	p.	p.	PROPN
easat-7236	354	10	k.	k.	PROPN
easat-7236	355	1	ozili	ozili	PROPN
easat-7236	355	2	,	,	PUNCT
easat-7236	355	3	"	"	PUNCT
easat-7236	355	4	fintech	fintech	NOUN
easat-7236	355	5	and	and	CCONJ
easat-7236	355	6	financial	financial	ADJ
easat-7236	355	7	inclusion	inclusion	NOUN
easat-7236	355	8	in	in	ADP
easat-7236	355	9	emerging	emerge	VERB
easat-7236	355	10	markets	market	NOUN
easat-7236	355	11	:	:	PUNCT
easat-7236	355	12	a	a	DET
easat-7236	355	13	bibliometric	bibliometric	ADJ
easat-7236	355	14	analysis	analysis	NOUN
easat-7236	355	15	and	and	CCONJ
easat-7236	355	16	future	future	ADJ
easat-7236	355	17	research	research	NOUN
easat-7236	355	18	agenda	agenda	NOUN
easat-7236	355	19	,	,	PUNCT
easat-7236	355	20	"	"	PUNCT
easat-7236	355	21	international	international	ADJ
easat-7236	355	22	journal	journal	NOUN
easat-7236	355	23	of	of	ADP
easat-7236	355	24	emerging	emerge	VERB
easat-7236	355	25	markets	market	NOUN
easat-7236	355	26	,	,	PUNCT
easat-7236	355	27	vol	vol	NOUN
easat-7236	355	28	.	.	PROPN
easat-7236	355	29	20	20	NUM
easat-7236	355	30	,	,	PUNCT
easat-7236	355	31	no	no	INTJ
easat-7236	355	32	.	.	NOUN
easat-7236	355	33	13	13	NUM
easat-7236	355	34	,	,	PUNCT
easat-7236	355	35	pp	pp	ADJ
easat-7236	355	36	.	.	PUNCT
easat-7236	356	1	270–290	270–290	NUM
easat-7236	356	2	,	,	PUNCT
easat-7236	356	3	2025	2025	NUM
easat-7236	356	4	.	.	PUNCT
easat-7236	357	1	https://doi.org/10.1108/ijoem-08-2024-1428	https://doi.org/10.1108/ijoem-08-2024-1428	PROPN
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easat-7236	357	5	https://doi.org/10.1080/17530350.2024.2323692	https://doi.org/10.1080/17530350.2024.2323692	NOUN
easat-7236	357	6	https://doi.org/10.1080/07360932.2020.1715238	https://doi.org/10.1080/07360932.2020.1715238	PUNCT
easat-7236	358	1	https://doi.org/10.1016/j.ememar.2021.100846	https://doi.org/10.1016/j.ememar.2021.100846	PROPN
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easat-7236	358	4	https://doi.org/10.1057/s41264-023-00265-1	https://doi.org/10.1057/s41264-023-00265-1	NUM
easat-7236	358	5	https://doi.org/10.32479/ijefi.15806	https://doi.org/10.32479/ijefi.15806	NOUN
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easat-7236	358	10	https://doi.org/10.1016/j.jebo.2024.01.010	https://doi.org/10.1016/j.jebo.2024.01.010	PROPN
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easat-7236	358	12	https://doi.org/10.1186/s40854-021-00259-9	https://doi.org/10.1186/s40854-021-00259-9	NUM
easat-7236	358	13	https://doi.org/10.1080/10409289.2023.2208011	https://doi.org/10.1080/10409289.2023.2208011	PROPN
easat-7236	358	14	https://doi.org/10.1016/j.ribaf.2024.102218	https://doi.org/10.1016/j.ribaf.2024.102218	NOUN
easat-7236	358	15	https://doi.org/10.1007/s13132-023-01442-2	https://doi.org/10.1007/s13132-023-01442-2	NUM
easat-7236	358	16	https://doi.org/10.1016/j.frl.2024.106280	https://doi.org/10.1016/j.frl.2024.106280	PROPN
easat-7236	358	17	https://doi.org/10.1108/ijoem-08-2024-1428	https://doi.org/10.1108/ijoem-08-2024-1428	ADJ
easat-7236	358	18	1609	1609	NUM
easat-7236	358	19	edelweiss	edelweiss	PROPN
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easat-7236	358	21	science	science	NOUN
easat-7236	358	22	and	and	CCONJ
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easat-7236	358	24	issn	issn	PROPN
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easat-7236	358	26	2576	2576	NUM
easat-7236	358	27	-	-	SYM
easat-7236	358	28	8484	8484	NUM
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easat-7236	359	4	.	.	NOUN
easat-7236	359	5	5	5	NUM
easat-7236	359	6	:	:	SYM
easat-7236	359	7	1593	1593	NUM
easat-7236	359	8	-	-	SYM
easat-7236	359	9	1609	1609	NUM
easat-7236	359	10	,	,	PUNCT
easat-7236	359	11	2025	2025	NUM
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easat-7236	359	13	:	:	PUNCT
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easat-7236	359	16	2025	2025	NUM
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easat-7236	359	18	the	the	DET
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easat-7236	359	23	gate	gate	NOUN
easat-7236	360	1	[	[	X
easat-7236	360	2	24	24	NUM
easat-7236	360	3	]	]	PUNCT
easat-7236	360	4	k.	k.	PROPN
easat-7236	360	5	yang	yang	PROPN
easat-7236	360	6	,	,	PUNCT
easat-7236	360	7	"	"	PUNCT
easat-7236	360	8	trust	trust	NOUN
easat-7236	360	9	as	as	ADP
easat-7236	360	10	an	an	DET
easat-7236	360	11	entry	entry	NOUN
easat-7236	360	12	barrier	barrier	NOUN
easat-7236	360	13	:	:	PUNCT
easat-7236	360	14	evidence	evidence	NOUN
easat-7236	360	15	from	from	ADP
easat-7236	360	16	fintech	fintech	NOUN
easat-7236	360	17	adoption	adoption	NOUN
easat-7236	360	18	,	,	PUNCT
easat-7236	360	19	"	"	PUNCT
easat-7236	360	20	journal	journal	NOUN
easat-7236	360	21	of	of	ADP
easat-7236	360	22	financial	financial	ADJ
easat-7236	360	23	economics	economic	NOUN
easat-7236	360	24	,	,	PUNCT
easat-7236	360	25	vol	vol	NOUN
easat-7236	360	26	.	.	PROPN
easat-7236	360	27	169	169	NUM
easat-7236	360	28	,	,	PUNCT
easat-7236	360	29	p.	p.	NOUN
easat-7236	360	30	104062	104062	NUM
easat-7236	360	31	,	,	PUNCT
easat-7236	360	32	2025	2025	NUM
easat-7236	360	33	.	.	PUNCT
easat-7236	361	1	https://doi.org/10.2139/ssrn.3761468	https://doi.org/10.2139/ssrn.3761468	X
easat-7236	362	1	[	[	X
easat-7236	362	2	25	25	NUM
easat-7236	362	3	]	]	X
easat-7236	362	4	d.	d.	PROPN
easat-7236	362	5	okat	okat	PROPN
easat-7236	362	6	,	,	PUNCT
easat-7236	362	7	m.	m.	NOUN
easat-7236	362	8	paaso	paaso	PROPN
easat-7236	362	9	,	,	PUNCT
easat-7236	362	10	and	and	CCONJ
easat-7236	362	11	v.	v.	ADP
easat-7236	362	12	pursiainen	pursiainen	NOUN
easat-7236	362	13	,	,	PUNCT
easat-7236	362	14	"	"	PUNCT
easat-7236	362	15	trust	trust	NOUN
easat-7236	362	16	in	in	ADP
easat-7236	362	17	traditional	traditional	ADJ
easat-7236	362	18	finance	finance	NOUN
easat-7236	362	19	and	and	CCONJ
easat-7236	362	20	consumer	consumer	NOUN
easat-7236	362	21	fintech	fintech	NOUN
easat-7236	362	22	adoption	adoption	NOUN
easat-7236	362	23	,	,	PUNCT
easat-7236	362	24	"	"	PUNCT
easat-7236	362	25	the	the	DET
easat-7236	362	26	review	review	NOUN
easat-7236	362	27	of	of	ADP
easat-7236	362	28	corporate	corporate	ADJ
easat-7236	362	29	finance	finance	NOUN
easat-7236	362	30	studies	study	NOUN
easat-7236	362	31	,	,	PUNCT
easat-7236	362	32	vol	vol	NOUN
easat-7236	362	33	.	.	PROPN
easat-7236	362	34	14	14	NUM
easat-7236	362	35	,	,	PUNCT
easat-7236	362	36	no	no	INTJ
easat-7236	362	37	.	.	NOUN
easat-7236	362	38	2	2	NUM
easat-7236	362	39	,	,	PUNCT
easat-7236	362	40	pp	pp	ADJ
easat-7236	362	41	.	.	PUNCT
easat-7236	363	1	408	408	NUM
easat-7236	363	2	-	-	SYM
easat-7236	363	3	438	438	NUM
easat-7236	363	4	,	,	PUNCT
easat-7236	363	5	2025	2025	NUM
easat-7236	363	6	.	.	PUNCT
easat-7236	364	1	https://doi.org/10.1093/rcfs/cfae011	https://doi.org/10.1093/rcfs/cfae011	X
easat-7236	365	1	[	[	X
easat-7236	365	2	26	26	NUM
easat-7236	365	3	]	]	PUNCT
easat-7236	365	4	g.	g.	PROPN
easat-7236	365	5	kou	kou	PROPN
easat-7236	365	6	and	and	CCONJ
easat-7236	365	7	y.	y.	PROPN
easat-7236	365	8	lu	lu	PROPN
easat-7236	365	9	,	,	PUNCT
easat-7236	365	10	"	"	PUNCT
easat-7236	365	11	fintech	fintech	NOUN
easat-7236	365	12	:	:	PUNCT
easat-7236	365	13	a	a	DET
easat-7236	365	14	literature	literature	NOUN
easat-7236	365	15	review	review	NOUN
easat-7236	365	16	of	of	ADP
easat-7236	365	17	emerging	emerge	VERB
easat-7236	365	18	financial	financial	ADJ
easat-7236	365	19	technologies	technology	NOUN
easat-7236	365	20	and	and	CCONJ
easat-7236	365	21	applications	application	NOUN
easat-7236	365	22	,	,	PUNCT
easat-7236	365	23	"	"	PUNCT
easat-7236	365	24	financial	financial	ADJ
easat-7236	365	25	innovation	innovation	NOUN
easat-7236	365	26	,	,	PUNCT
easat-7236	365	27	vol	vol	NOUN
easat-7236	365	28	.	.	PROPN
easat-7236	365	29	11	11	NUM
easat-7236	365	30	,	,	PUNCT
easat-7236	365	31	no	no	INTJ
easat-7236	365	32	.	.	NOUN
easat-7236	365	33	1	1	NUM
easat-7236	365	34	,	,	PUNCT
easat-7236	365	35	p.	p.	NOUN
easat-7236	365	36	1	1	NUM
easat-7236	365	37	,	,	PUNCT
easat-7236	365	38	2025	2025	NUM
easat-7236	365	39	.	.	PUNCT
easat-7236	366	1	https://doi.org/10.1186/s40854-024-00668-6	https://doi.org/10.1186/s40854-024-00668-6	NUM
easat-7236	367	1	[	[	X
easat-7236	367	2	27	27	NUM
easat-7236	367	3	]	]	X
easat-7236	367	4	c.	c.	PROPN
easat-7236	367	5	y.	y.	PROPN
easat-7236	367	6	hong	hong	PROPN
easat-7236	367	7	,	,	PUNCT
easat-7236	367	8	x.	x.	PROPN
easat-7236	367	9	lu	lu	PROPN
easat-7236	367	10	,	,	PUNCT
easat-7236	367	11	and	and	CCONJ
easat-7236	367	12	j.	j.	PROPN
easat-7236	367	13	pan	pan	PROPN
easat-7236	367	14	,	,	PUNCT
easat-7236	367	15	"	"	PUNCT
easat-7236	367	16	fintech	fintech	NOUN
easat-7236	367	17	platforms	platform	NOUN
easat-7236	367	18	and	and	CCONJ
easat-7236	367	19	mutual	mutual	ADJ
easat-7236	367	20	fund	fund	NOUN
easat-7236	367	21	distribution	distribution	NOUN
easat-7236	367	22	,	,	PUNCT
easat-7236	367	23	"	"	PUNCT
easat-7236	367	24	management	management	NOUN
easat-7236	367	25	science	science	NOUN
easat-7236	367	26	,	,	PUNCT
easat-7236	367	27	vol	vol	NOUN
easat-7236	367	28	.	.	PROPN
easat-7236	367	29	71	71	NUM
easat-7236	367	30	,	,	PUNCT
easat-7236	367	31	no	no	INTJ
easat-7236	367	32	.	.	NOUN
easat-7236	367	33	1	1	NUM
easat-7236	367	34	,	,	PUNCT
easat-7236	367	35	pp	pp	ADJ
easat-7236	367	36	.	.	PUNCT
easat-7236	368	1	488	488	NUM
easat-7236	368	2	-	-	SYM
easat-7236	368	3	517	517	NUM
easat-7236	368	4	,	,	PUNCT
easat-7236	368	5	2025	2025	NUM
easat-7236	368	6	.	.	PUNCT
easat-7236	369	1	https://doi.org/10.3386/w26576	https://doi.org/10.3386/w26576	NUM
easat-7236	370	1	[	[	X
easat-7236	370	2	28	28	NUM
easat-7236	370	3	]	]	X
easat-7236	370	4	r.	r.	PROPN
easat-7236	370	5	moro	moro	PROPN
easat-7236	370	6	-	-	PUNCT
easat-7236	370	7	visconti	visconti	PROPN
easat-7236	370	8	,	,	PUNCT
easat-7236	370	9	"	"	PUNCT
easat-7236	370	10	fintech	fintech	NOUN
easat-7236	370	11	valuation	valuation	NOUN
easat-7236	370	12	,	,	PUNCT
easat-7236	370	13	"	"	PUNCT
easat-7236	370	14	springer	springer	NOUN
easat-7236	370	15	.	.	PUNCT
easat-7236	371	1	https://doi.org/10.2139/ssrn.3533869	https://doi.org/10.2139/ssrn.3533869	PROPN
easat-7236	371	2	,	,	PUNCT
easat-7236	371	3	2025	2025	NUM
easat-7236	371	4	,	,	PUNCT
easat-7236	371	5	pp	pp	ADJ
easat-7236	371	6	.	.	PUNCT
easat-7236	372	1	525	525	NUM
easat-7236	372	2	-	-	SYM
easat-7236	372	3	568	568	NUM
easat-7236	372	4	.	.	PUNCT
easat-7236	373	1	[	[	X
easat-7236	373	2	29	29	NUM
easat-7236	373	3	]	]	PUNCT
easat-7236	373	4	m.	m.	NOUN
easat-7236	373	5	n.	n.	PROPN
easat-7236	373	6	shahid	shahid	PROPN
easat-7236	373	7	,	,	PUNCT
easat-7236	373	8	f.	f.	PROPN
easat-7236	373	9	sher	sher	PROPN
easat-7236	373	10	,	,	PUNCT
easat-7236	373	11	and	and	CCONJ
easat-7236	373	12	m.	m.	NOUN
easat-7236	373	13	ishtiaq	ishtiaq	NOUN
easat-7236	373	14	,	,	PUNCT
easat-7236	373	15	"	"	PUNCT
easat-7236	373	16	impact	impact	NOUN
easat-7236	373	17	of	of	ADP
easat-7236	373	18	fintech	fintech	NOUN
easat-7236	373	19	and	and	CCONJ
easat-7236	373	20	control	control	NOUN
easat-7236	373	21	of	of	ADP
easat-7236	373	22	corruption	corruption	NOUN
easat-7236	373	23	on	on	ADP
easat-7236	373	24	environmental	environmental	ADJ
easat-7236	373	25	sustainability	sustainability	NOUN
easat-7236	373	26	,	,	PUNCT
easat-7236	373	27	"	"	PUNCT
easat-7236	373	28	journal	journal	NOUN
easat-7236	373	29	of	of	ADP
easat-7236	373	30	economic	economic	ADJ
easat-7236	373	31	criminology	criminology	NOUN
easat-7236	373	32	,	,	PUNCT
easat-7236	373	33	p.	p.	NOUN
easat-7236	373	34	100162	100162	NUM
easat-7236	373	35	,	,	PUNCT
easat-7236	373	36	2025	2025	NUM
easat-7236	373	37	.	.	PUNCT
easat-7236	374	1	https://doi.org/10.1016/j.jeconc.2025.100162	https://doi.org/10.1016/j.jeconc.2025.100162	PROPN
easat-7236	374	2	[	[	X
easat-7236	374	3	30	30	NUM
easat-7236	374	4	]	]	PUNCT
easat-7236	374	5	a.	a.	NOUN
easat-7236	374	6	zaimovic	zaimovic	PROPN
easat-7236	374	7	,	,	PUNCT
easat-7236	374	8	a.	a.	NOUN
easat-7236	374	9	omanovic	omanovic	PROPN
easat-7236	374	10	,	,	PUNCT
easat-7236	374	11	l.	l.	PROPN
easat-7236	374	12	dedovic	dedovic	PROPN
easat-7236	374	13	,	,	PUNCT
easat-7236	374	14	and	and	CCONJ
easat-7236	374	15	t.	t.	PROPN
easat-7236	374	16	zaimovic	zaimovic	PROPN
easat-7236	374	17	,	,	PUNCT
easat-7236	374	18	"	"	PUNCT
easat-7236	374	19	the	the	DET
easat-7236	374	20	effect	effect	NOUN
easat-7236	374	21	of	of	ADP
easat-7236	374	22	business	business	NOUN
easat-7236	374	23	experience	experience	NOUN
easat-7236	374	24	on	on	ADP
easat-7236	374	25	fintech	fintech	NOUN
easat-7236	374	26	behavioural	behavioural	ADJ
easat-7236	374	27	adoption	adoption	NOUN
easat-7236	374	28	among	among	ADP
easat-7236	374	29	msme	msme	NOUN
easat-7236	374	30	managers	manager	NOUN
easat-7236	374	31	:	:	PUNCT
easat-7236	374	32	the	the	DET
easat-7236	374	33	mediating	mediate	VERB
easat-7236	374	34	role	role	NOUN
easat-7236	374	35	of	of	ADP
easat-7236	374	36	digital	digital	ADJ
easat-7236	374	37	financial	financial	ADJ
easat-7236	374	38	literacy	literacy	NOUN
easat-7236	374	39	and	and	CCONJ
easat-7236	374	40	its	its	PRON
easat-7236	374	41	components	component	NOUN
easat-7236	374	42	,	,	PUNCT
easat-7236	374	43	"	"	PUNCT
easat-7236	374	44	future	future	ADJ
easat-7236	374	45	business	business	NOUN
easat-7236	374	46	journal	journal	NOUN
easat-7236	374	47	,	,	PUNCT
easat-7236	374	48	vol	vol	NOUN
easat-7236	374	49	.	.	PROPN
easat-7236	374	50	11	11	NUM
easat-7236	374	51	,	,	PUNCT
easat-7236	374	52	no	no	INTJ
easat-7236	374	53	.	.	NOUN
easat-7236	374	54	1	1	NUM
easat-7236	374	55	,	,	PUNCT
easat-7236	374	56	p.	p.	NOUN
easat-7236	374	57	26	26	NUM
easat-7236	374	58	,	,	PUNCT
easat-7236	374	59	2025	2025	NUM
easat-7236	374	60	.	.	PUNCT
easat-7236	375	1	https://doi.org/10.1186/s43093-025-00432-x	https://doi.org/10.1186/s43093-025-00432-x	NOUN
easat-7236	376	1	[	[	X
easat-7236	376	2	31	31	NUM
easat-7236	376	3	]	]	PUNCT
easat-7236	376	4	s.	s.	PROPN
easat-7236	376	5	elekdag	elekdag	PROPN
easat-7236	376	6	,	,	PUNCT
easat-7236	376	7	d.	d.	PROPN
easat-7236	376	8	emrullahu	emrullahu	PROPN
easat-7236	376	9	,	,	PUNCT
easat-7236	376	10	and	and	CCONJ
easat-7236	376	11	s.	s.	PROPN
easat-7236	376	12	b.	b.	PROPN
easat-7236	376	13	naceur	naceur	PROPN
easat-7236	376	14	,	,	PUNCT
easat-7236	376	15	"	"	PUNCT
easat-7236	376	16	does	do	AUX
easat-7236	376	17	fintech	fintech	NOUN
easat-7236	376	18	increase	increase	VERB
easat-7236	376	19	bank	bank	NOUN
easat-7236	376	20	risk	risk	NOUN
easat-7236	376	21	-	-	PUNCT
easat-7236	376	22	taking	taking	NOUN
easat-7236	376	23	?	?	PUNCT
easat-7236	376	24	,	,	PUNCT
easat-7236	376	25	"	"	PUNCT
easat-7236	376	26	journal	journal	NOUN
easat-7236	376	27	of	of	ADP
easat-7236	376	28	financial	financial	ADJ
easat-7236	376	29	stability	stability	NOUN
easat-7236	376	30	,	,	PUNCT
easat-7236	376	31	vol	vol	NOUN
easat-7236	376	32	.	.	PROPN
easat-7236	376	33	76	76	NUM
easat-7236	376	34	,	,	PUNCT
easat-7236	376	35	p.	p.	NOUN
easat-7236	376	36	101360	101360	NUM
easat-7236	376	37	,	,	PUNCT
easat-7236	376	38	2025	2025	NUM
easat-7236	376	39	.	.	PUNCT
easat-7236	377	1	https://doi.org/10.5089/9798400265167.001	https://doi.org/10.5089/9798400265167.001	PUNCT
easat-7236	377	2	[	[	X
easat-7236	377	3	32	32	NUM
easat-7236	377	4	]	]	PUNCT
easat-7236	377	5	b.	b.	PROPN
easat-7236	377	6	setiawan	setiawan	PROPN
easat-7236	377	7	,	,	PUNCT
easat-7236	377	8	d.	d.	PROPN
easat-7236	377	9	p.	p.	PROPN
easat-7236	377	10	nugraha	nugraha	PROPN
easat-7236	377	11	,	,	PUNCT
easat-7236	377	12	a.	a.	PROPN
easat-7236	377	13	irawan	irawan	PROPN
easat-7236	377	14	,	,	PUNCT
easat-7236	377	15	r.	r.	PROPN
easat-7236	377	16	j.	j.	PROPN
easat-7236	377	17	nathan	nathan	PROPN
easat-7236	377	18	,	,	PUNCT
easat-7236	377	19	and	and	CCONJ
easat-7236	377	20	z.	z.	PROPN
easat-7236	377	21	zoltan	zoltan	PROPN
easat-7236	377	22	,	,	PUNCT
easat-7236	377	23	"	"	PUNCT
easat-7236	377	24	user	user	NOUN
easat-7236	377	25	innovativeness	innovativeness	NOUN
easat-7236	377	26	and	and	CCONJ
easat-7236	377	27	fintech	fintech	NOUN
easat-7236	377	28	adoption	adoption	NOUN
easat-7236	377	29	in	in	ADP
easat-7236	377	30	indonesia	indonesia	PROPN
easat-7236	377	31	,	,	PUNCT
easat-7236	377	32	"	"	PUNCT
easat-7236	377	33	journal	journal	NOUN
easat-7236	377	34	of	of	ADP
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easat-7236	377	36	innovation	innovation	NOUN
easat-7236	377	37	:	:	PUNCT
easat-7236	377	38	technology	technology	NOUN
easat-7236	377	39	,	,	PUNCT
easat-7236	377	40	market	market	NOUN
easat-7236	377	41	,	,	PUNCT
easat-7236	377	42	and	and	CCONJ
easat-7236	377	43	complexity	complexity	NOUN
easat-7236	377	44	,	,	PUNCT
easat-7236	377	45	vol	vol	NOUN
easat-7236	377	46	.	.	PROPN
easat-7236	377	47	7	7	NUM
easat-7236	377	48	,	,	PUNCT
easat-7236	377	49	no	no	INTJ
easat-7236	377	50	.	.	NOUN
easat-7236	377	51	3	3	NUM
easat-7236	377	52	,	,	PUNCT
easat-7236	377	53	p.	p.	NOUN
easat-7236	377	54	188	188	NUM
easat-7236	377	55	,	,	PUNCT
easat-7236	377	56	2021	2021	NUM
easat-7236	377	57	.	.	PUNCT
easat-7236	378	1	https://doi.org/10.3390/joitmc7030188	https://doi.org/10.3390/joitmc7030188	VERB
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easat-7236	378	3	33	33	NUM
easat-7236	378	4	]	]	PUNCT
easat-7236	378	5	a.	a.	PROPN
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easat-7236	378	8	,	,	PUNCT
easat-7236	378	9	e.	e.	PROPN
easat-7236	378	10	e.	e.	PROPN
easat-7236	378	11	alharasis	alharasis	PROPN
easat-7236	378	12	,	,	PUNCT
easat-7236	378	13	m.	m.	NOUN
easat-7236	378	14	shehadeh	shehadeh	PROPN
easat-7236	378	15	,	,	PUNCT
easat-7236	378	16	i.	i.	PROPN
easat-7236	378	17	a.	a.	PROPN
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easat-7236	378	19	-	-	PUNCT
easat-7236	378	20	alsondos	alsondos	PROPN
easat-7236	378	21	,	,	PUNCT
easat-7236	378	22	m.	m.	NOUN
easat-7236	378	23	s.	s.	PROPN
easat-7236	378	24	oudat	oudat	PROPN
easat-7236	378	25	,	,	PUNCT
easat-7236	378	26	and	and	CCONJ
easat-7236	378	27	a.	a.	NOUN
easat-7236	378	28	a.	a.	PROPN
easat-7236	378	29	bani	bani	PROPN
easat-7236	378	30	atta	atta	PROPN
easat-7236	378	31	,	,	PUNCT
easat-7236	378	32	"	"	PUNCT
easat-7236	378	33	towards	towards	ADP
easat-7236	378	34	an	an	DET
easat-7236	378	35	understanding	understanding	NOUN
easat-7236	378	36	of	of	ADP
easat-7236	378	37	fintech	fintech	NOUN
easat-7236	378	38	users	user	NOUN
easat-7236	378	39	’	’	PART
easat-7236	378	40	adoption	adoption	NOUN
easat-7236	378	41	:	:	PUNCT
easat-7236	378	42	intention	intention	NOUN
easat-7236	378	43	and	and	CCONJ
easat-7236	378	44	e	e	NOUN
easat-7236	378	45	-	-	NOUN
easat-7236	378	46	loyalty	loyalty	ADJ
easat-7236	378	47	post	post	NOUN
easat-7236	378	48	-	-	ADJ
easat-7236	378	49	covid-19	covid-19	PROPN
easat-7236	378	50	from	from	ADP
easat-7236	378	51	a	a	DET
easat-7236	378	52	developing	develop	VERB
easat-7236	378	53	country	country	NOUN
easat-7236	378	54	perspective	perspective	NOUN
easat-7236	378	55	,	,	PUNCT
easat-7236	378	56	"	"	PUNCT
easat-7236	378	57	sustainability	sustainability	NOUN
easat-7236	378	58	,	,	PUNCT
easat-7236	378	59	vol	vol	NOUN
easat-7236	378	60	.	.	PROPN
easat-7236	378	61	14	14	NUM
easat-7236	378	62	,	,	PUNCT
easat-7236	378	63	no	no	INTJ
easat-7236	378	64	.	.	NOUN
easat-7236	378	65	19	19	NUM
easat-7236	378	66	,	,	PUNCT
easat-7236	378	67	p.	p.	NOUN
easat-7236	378	68	12616	12616	NUM
easat-7236	378	69	,	,	PUNCT
easat-7236	378	70	2022	2022	NUM
easat-7236	378	71	.	.	PUNCT
easat-7236	379	1	https://doi.org/10.3390/su141912616	https://doi.org/10.3390/su141912616	X
easat-7236	380	1	[	[	X
easat-7236	380	2	34	34	NUM
easat-7236	380	3	]	]	X
easat-7236	380	4	p.	p.	PROPN
easat-7236	380	5	yue	yue	PROPN
easat-7236	380	6	,	,	PUNCT
easat-7236	380	7	a.	a.	PROPN
easat-7236	380	8	g.	g.	PROPN
easat-7236	380	9	korkmaz	korkmaz	PROPN
easat-7236	380	10	,	,	PUNCT
easat-7236	380	11	z.	z.	PROPN
easat-7236	380	12	yin	yin	PROPN
easat-7236	380	13	,	,	PUNCT
easat-7236	380	14	and	and	CCONJ
easat-7236	380	15	h.	h.	PROPN
easat-7236	380	16	zhou	zhou	PROPN
easat-7236	380	17	,	,	PUNCT
easat-7236	380	18	"	"	PUNCT
easat-7236	380	19	the	the	DET
easat-7236	380	20	rise	rise	NOUN
easat-7236	380	21	of	of	ADP
easat-7236	380	22	digital	digital	ADJ
easat-7236	380	23	finance	finance	NOUN
easat-7236	380	24	:	:	PUNCT
easat-7236	380	25	financial	financial	ADJ
easat-7236	380	26	inclusion	inclusion	NOUN
easat-7236	380	27	or	or	CCONJ
easat-7236	380	28	debt	debt	NOUN
easat-7236	380	29	trap	trap	NOUN
easat-7236	380	30	?	?	PUNCT
easat-7236	380	31	,	,	PUNCT
easat-7236	380	32	"	"	PUNCT
easat-7236	380	33	finance	finance	NOUN
easat-7236	380	34	research	research	NOUN
easat-7236	380	35	letters	letter	NOUN
easat-7236	380	36	,	,	PUNCT
easat-7236	380	37	vol	vol	NOUN
easat-7236	380	38	.	.	PROPN
easat-7236	381	1	47	47	NUM
easat-7236	381	2	,	,	PUNCT
easat-7236	381	3	p.	p.	NOUN
easat-7236	381	4	102604	102604	NUM
easat-7236	381	5	,	,	PUNCT
easat-7236	381	6	2022	2022	NUM
easat-7236	381	7	.	.	PUNCT
easat-7236	382	1	https://doi.org/10.1016/j.frl.2021.102604	https://doi.org/10.1016/j.frl.2021.102604	PROPN
easat-7236	383	1	[	[	X
easat-7236	383	2	35	35	NUM
easat-7236	383	3	]	]	PUNCT
easat-7236	383	4	m.	m.	NOUN
easat-7236	383	5	jünger	jünger	NOUN
easat-7236	383	6	and	and	CCONJ
easat-7236	383	7	m.	m.	NOUN
easat-7236	383	8	mietzner	mietzner	NOUN
easat-7236	383	9	,	,	PUNCT
easat-7236	383	10	"	"	PUNCT
easat-7236	383	11	banking	banking	NOUN
easat-7236	383	12	goes	go	VERB
easat-7236	383	13	digital	digital	ADJ
easat-7236	383	14	:	:	PUNCT
easat-7236	383	15	the	the	DET
easat-7236	383	16	adoption	adoption	NOUN
easat-7236	383	17	of	of	ADP
easat-7236	383	18	fintech	fintech	NOUN
easat-7236	383	19	services	service	NOUN
easat-7236	383	20	by	by	ADP
easat-7236	383	21	german	german	ADJ
easat-7236	383	22	households	household	NOUN
easat-7236	383	23	,	,	PUNCT
easat-7236	383	24	"	"	PUNCT
easat-7236	383	25	finance	finance	NOUN
easat-7236	383	26	research	research	NOUN
easat-7236	383	27	letters	letter	NOUN
easat-7236	383	28	,	,	PUNCT
easat-7236	383	29	vol	vol	NOUN
easat-7236	383	30	.	.	PROPN
easat-7236	383	31	34	34	NUM
easat-7236	383	32	,	,	PUNCT
easat-7236	383	33	p.	p.	NOUN
easat-7236	383	34	101260	101260	NUM
easat-7236	383	35	,	,	PUNCT
easat-7236	383	36	2020	2020	NUM
easat-7236	383	37	.	.	PUNCT
easat-7236	384	1	https://doi.org/10.1016/j.frl.2019.08.008	https://doi.org/10.1016/j.frl.2019.08.008	PROPN
easat-7236	385	1	[	[	X
easat-7236	385	2	36	36	NUM
easat-7236	385	3	]	]	X
easat-7236	385	4	r.	r.	PROPN
easat-7236	385	5	chan	chan	PROPN
easat-7236	385	6	,	,	PUNCT
easat-7236	385	7	i.	i.	PROPN
easat-7236	385	8	troshani	troshani	PROPN
easat-7236	385	9	,	,	PUNCT
easat-7236	385	10	s.	s.	PROPN
easat-7236	385	11	rao	rao	PROPN
easat-7236	385	12	hill	hill	PROPN
easat-7236	385	13	,	,	PUNCT
easat-7236	385	14	and	and	CCONJ
easat-7236	385	15	a.	a.	PROPN
easat-7236	385	16	hoffmann	hoffmann	PROPN
easat-7236	385	17	,	,	PUNCT
easat-7236	385	18	"	"	PUNCT
easat-7236	385	19	towards	towards	ADP
easat-7236	385	20	an	an	DET
easat-7236	385	21	understanding	understanding	NOUN
easat-7236	385	22	of	of	ADP
easat-7236	385	23	consumers	consumer	NOUN
easat-7236	385	24	’	'	PUNCT
easat-7236	385	25	fintech	fintech	NOUN
easat-7236	385	26	adoption	adoption	NOUN
easat-7236	385	27	:	:	PUNCT
easat-7236	385	28	the	the	DET
easat-7236	385	29	case	case	NOUN
easat-7236	385	30	of	of	ADP
easat-7236	385	31	open	open	ADJ
easat-7236	385	32	banking	banking	NOUN
easat-7236	385	33	,	,	PUNCT
easat-7236	385	34	"	"	PUNCT
easat-7236	385	35	international	international	ADJ
easat-7236	385	36	journal	journal	NOUN
easat-7236	385	37	of	of	ADP
easat-7236	385	38	bank	bank	PROPN
easat-7236	385	39	marketing	marketing	NOUN
easat-7236	385	40	,	,	PUNCT
easat-7236	385	41	vol	vol	NOUN
easat-7236	385	42	.	.	PROPN
easat-7236	385	43	40	40	NUM
easat-7236	385	44	,	,	PUNCT
easat-7236	385	45	no	no	INTJ
easat-7236	385	46	.	.	NOUN
easat-7236	385	47	4	4	NUM
easat-7236	385	48	,	,	PUNCT
easat-7236	385	49	pp	pp	ADJ
easat-7236	385	50	.	.	PUNCT
easat-7236	385	51	886	886	NUM
easat-7236	385	52	-	-	SYM
easat-7236	385	53	917	917	NUM
easat-7236	385	54	,	,	PUNCT
easat-7236	385	55	2022	2022	NUM
easat-7236	385	56	.	.	PUNCT
easat-7236	386	1	https://doi.org/10.1108/ijbm-08-2021-0397	https://doi.org/10.1108/ijbm-08-2021-0397	NOUN
easat-7236	386	2	https://doi.org/10.2139/ssrn.3761468	https://doi.org/10.2139/ssrn.3761468	NOUN
easat-7236	386	3	https://doi.org/10.1093/rcfs/cfae011	https://doi.org/10.1093/rcfs/cfae011	NUM
easat-7236	386	4	https://doi.org/10.1186/s40854-024-00668-6	https://doi.org/10.1186/s40854-024-00668-6	NUM
easat-7236	386	5	https://doi.org/10.3386/w26576	https://doi.org/10.3386/w26576	NUM
easat-7236	386	6	https://doi.org/10.2139/ssrn.3533869	https://doi.org/10.2139/ssrn.3533869	ADJ
easat-7236	386	7	https://doi.org/10.1016/j.jeconc.2025.100162	https://doi.org/10.1016/j.jeconc.2025.100162	PROPN
easat-7236	386	8	https://doi.org/10.1186/s43093-025-00432-x	https://doi.org/10.1186/s43093-025-00432-x	NOUN
easat-7236	386	9	https://doi.org/10.5089/9798400265167.001	https://doi.org/10.5089/9798400265167.001	PUNCT
easat-7236	386	10	https://doi.org/10.3390/joitmc7030188	https://doi.org/10.3390/joitmc7030188	ADJ
easat-7236	386	11	https://doi.org/10.3390/su141912616	https://doi.org/10.3390/su141912616	X
easat-7236	386	12	https://doi.org/10.1016/j.frl.2021.102604	https://doi.org/10.1016/j.frl.2021.102604	AUX
easat-7236	386	13	https://doi.org/10.1016/j.frl.2019.08.008	https://doi.org/10.1016/j.frl.2019.08.008	VERB
easat-7236	386	14	https://doi.org/10.1108/ijbm-08-2021-0397	https://doi.org/10.1108/ijbm-08-2021-0397	NOUN