id	sid	tid	token	lemma	pos
easat-7654	1	1	edelweiss	edelweiss	PROPN
easat-7654	1	2	applied	apply	VERB
easat-7654	1	3	science	science	NOUN
easat-7654	1	4	and	and	CCONJ
easat-7654	1	5	technology	technology	NOUN
easat-7654	1	6	issn	issn	PROPN
easat-7654	1	7	:	:	PUNCT
easat-7654	1	8	2576	2576	NUM
easat-7654	1	9	-	-	SYM
easat-7654	1	10	8484	8484	NUM
easat-7654	1	11	vol	vol	NOUN
easat-7654	1	12	.	.	PROPN
easat-7654	2	1	9	9	NUM
easat-7654	2	2	,	,	PUNCT
easat-7654	2	3	no	no	INTJ
easat-7654	2	4	.	.	NOUN
easat-7654	2	5	5	5	NUM
easat-7654	2	6	,	,	PUNCT
easat-7654	2	7	3134	3134	NUM
easat-7654	2	8	-	-	SYM
easat-7654	2	9	3148	3148	NUM
easat-7654	2	10	2025	2025	NUM
easat-7654	2	11	publisher	publisher	NOUN
easat-7654	2	12	:	:	PUNCT
easat-7654	2	13	learning	learn	VERB
easat-7654	2	14	gate	gate	NOUN
easat-7654	2	15	doi	doi	PROPN
easat-7654	2	16	:	:	PUNCT
easat-7654	2	17	10.55214/25768484.v9i5.7654	10.55214/25768484.v9i5.7654	NUM
easat-7654	2	18	©	©	NOUN
easat-7654	2	19	2025	2025	NUM
easat-7654	2	20	by	by	ADP
easat-7654	2	21	the	the	DET
easat-7654	2	22	authors	author	NOUN
easat-7654	2	23	;	;	PUNCT
easat-7654	2	24	licensee	licensee	PROPN
easat-7654	2	25	learning	learning	NOUN
easat-7654	2	26	gate	gate	NOUN
easat-7654	3	1	©	©	PROPN
easat-7654	3	2	2025	2025	NUM
easat-7654	3	3	by	by	ADP
easat-7654	3	4	the	the	DET
easat-7654	3	5	authors	author	NOUN
easat-7654	3	6	;	;	PUNCT
easat-7654	3	7	licensee	licensee	PROPN
easat-7654	3	8	learning	learning	NOUN
easat-7654	3	9	gate	gate	NOUN
easat-7654	3	10	history	history	NOUN
easat-7654	3	11	:	:	PUNCT
easat-7654	3	12	received	receive	VERB
easat-7654	3	13	:	:	PUNCT
easat-7654	3	14	26	26	NUM
easat-7654	3	15	march	march	NOUN
easat-7654	3	16	2025	2025	NUM
easat-7654	3	17	;	;	PUNCT
easat-7654	3	18	revised	revise	VERB
easat-7654	3	19	:	:	PUNCT
easat-7654	3	20	12	12	NUM
easat-7654	3	21	may	may	PROPN
easat-7654	3	22	2025	2025	NUM
easat-7654	3	23	;	;	PUNCT
easat-7654	3	24	accepted	accept	VERB
easat-7654	3	25	:	:	PUNCT
easat-7654	3	26	15	15	NUM
easat-7654	3	27	may	may	PROPN
easat-7654	3	28	2025	2025	NUM
easat-7654	3	29	;	;	PUNCT
easat-7654	3	30	published	publish	VERB
easat-7654	3	31	:	:	PUNCT
easat-7654	3	32	29	29	NUM
easat-7654	3	33	may	may	AUX
easat-7654	3	34	2025	2025	NUM
easat-7654	3	35	*	*	PUNCT
easat-7654	3	36	correspondence	correspondence	NOUN
easat-7654	3	37	:	:	PUNCT
easat-7654	3	38	fauzan.azima@binus.ac.id	fauzan.azima@binus.ac.id	PUNCT
easat-7654	3	39	an	an	DET
easat-7654	3	40	analysis	analysis	NOUN
easat-7654	3	41	of	of	ADP
easat-7654	3	42	factors	factor	NOUN
easat-7654	3	43	influencing	influence	VERB
easat-7654	3	44	the	the	DET
easat-7654	3	45	use	use	NOUN
easat-7654	3	46	of	of	ADP
easat-7654	3	47	online	online	ADJ
easat-7654	3	48	loan	loan	NOUN
easat-7654	3	49	applications	application	NOUN
easat-7654	3	50	among	among	ADP
easat-7654	3	51	university	university	NOUN
easat-7654	3	52	students	student	NOUN
easat-7654	3	53	in	in	ADP
easat-7654	3	54	jakarta	jakarta	PROPN
easat-7654	3	55	fauzan	fauzan	PROPN
easat-7654	3	56	zulfa	zulfa	PROPN
easat-7654	3	57	zian	zian	PROPN
easat-7654	3	58	azima1	azima1	PROPN
easat-7654	3	59	*	*	PUNCT
easat-7654	3	60	,	,	PUNCT
easat-7654	3	61	yohannes	yohanne	NOUN
easat-7654	3	62	kurniawan2	kurniawan2	NOUN
easat-7654	4	1	1information	1information	NUM
easat-7654	4	2	systems	system	NOUN
easat-7654	4	3	management	management	NOUN
easat-7654	4	4	department	department	NOUN
easat-7654	4	5	,	,	PUNCT
easat-7654	4	6	binus	binus	ADJ
easat-7654	4	7	graduate	graduate	NOUN
easat-7654	4	8	program	program	NOUN
easat-7654	4	9	,	,	PUNCT
easat-7654	4	10	master	master	NOUN
easat-7654	4	11	of	of	ADP
easat-7654	4	12	information	information	NOUN
easat-7654	4	13	systems	system	NOUN
easat-7654	4	14	management	management	NOUN
easat-7654	4	15	,	,	PUNCT
easat-7654	4	16	bina	bina	PROPN
easat-7654	4	17	nusantara	nusantara	PROPN
easat-7654	4	18	university	university	PROPN
easat-7654	4	19	,	,	PUNCT
easat-7654	4	20	jakarta	jakarta	PROPN
easat-7654	4	21	,	,	PUNCT
easat-7654	4	22	indonesia	indonesia	PROPN
easat-7654	4	23	;	;	PUNCT
easat-7654	4	24	fauzan.azima@binus.ac.id	fauzan.azima@binus.ac.id	NUM
easat-7654	4	25	(	(	PUNCT
easat-7654	4	26	f.z.z.a	f.z.z.a	NOUN
easat-7654	4	27	.	.	PUNCT
easat-7654	4	28	)	)	PUNCT
easat-7654	4	29	.	.	PUNCT
easat-7654	5	1	2information	2information	NUM
easat-7654	5	2	systems	system	NOUN
easat-7654	5	3	department	department	NOUN
easat-7654	5	4	,	,	PUNCT
easat-7654	5	5	school	school	NOUN
easat-7654	5	6	of	of	ADP
easat-7654	5	7	information	information	NOUN
easat-7654	5	8	systems	system	NOUN
easat-7654	5	9	management	management	NOUN
easat-7654	5	10	,	,	PUNCT
easat-7654	5	11	bina	bina	PROPN
easat-7654	5	12	nusantara	nusantara	PROPN
easat-7654	5	13	university	university	PROPN
easat-7654	5	14	,	,	PUNCT
easat-7654	5	15	jakarta	jakarta	PROPN
easat-7654	5	16	,	,	PUNCT
easat-7654	5	17	indonesia	indonesia	PROPN
easat-7654	5	18	;	;	PUNCT
easat-7654	5	19	ykurniawan@binus.edu	ykurniawan@binus.edu	PROPN
easat-7654	5	20	(	(	PUNCT
easat-7654	5	21	y.k	y.k	PROPN
easat-7654	5	22	.	.	PROPN
easat-7654	5	23	)	)	PUNCT
easat-7654	5	24	.	.	PUNCT
easat-7654	6	1	abstract	abstract	ADJ
easat-7654	6	2	:	:	PUNCT
easat-7654	6	3	financial	financial	ADJ
easat-7654	6	4	structures	structure	NOUN
easat-7654	6	5	have	have	AUX
easat-7654	6	6	changed	change	VERB
easat-7654	6	7	as	as	ADP
easat-7654	6	8	a	a	DET
easat-7654	6	9	result	result	NOUN
easat-7654	6	10	of	of	ADP
easat-7654	6	11	the	the	DET
easat-7654	6	12	fintech	fintech	NOUN
easat-7654	6	13	industry	industry	NOUN
easat-7654	6	14	's	's	PART
easat-7654	6	15	explosive	explosive	ADJ
easat-7654	6	16	rise	rise	NOUN
easat-7654	6	17	in	in	ADP
easat-7654	6	18	online	online	ADJ
easat-7654	6	19	lending	lending	NOUN
easat-7654	6	20	,	,	PUNCT
easat-7654	6	21	which	which	PRON
easat-7654	6	22	provides	provide	VERB
easat-7654	6	23	quick	quick	ADJ
easat-7654	6	24	and	and	CCONJ
easat-7654	6	25	easy	easy	ADJ
easat-7654	6	26	loans	loan	NOUN
easat-7654	6	27	that	that	PRON
easat-7654	6	28	are	be	AUX
easat-7654	6	29	especially	especially	ADV
easat-7654	6	30	attractive	attractive	ADJ
easat-7654	6	31	to	to	ADP
easat-7654	6	32	younger	young	ADJ
easat-7654	6	33	generations	generation	NOUN
easat-7654	6	34	.	.	PUNCT
easat-7654	7	1	however	however	ADV
easat-7654	7	2	,	,	PUNCT
easat-7654	7	3	there	there	PRON
easat-7654	7	4	are	be	VERB
easat-7654	7	5	disadvantages	disadvantage	NOUN
easat-7654	7	6	associated	associate	VERB
easat-7654	7	7	with	with	ADP
easat-7654	7	8	this	this	DET
easat-7654	7	9	ease	ease	NOUN
easat-7654	7	10	,	,	PUNCT
easat-7654	7	11	such	such	ADJ
easat-7654	7	12	as	as	ADP
easat-7654	7	13	increased	increase	VERB
easat-7654	7	14	debt	debt	NOUN
easat-7654	7	15	and	and	CCONJ
easat-7654	7	16	concerns	concern	NOUN
easat-7654	7	17	about	about	ADP
easat-7654	7	18	data	datum	NOUN
easat-7654	7	19	security	security	NOUN
easat-7654	7	20	.	.	PUNCT
easat-7654	8	1	with	with	ADP
easat-7654	8	2	a	a	DET
easat-7654	8	3	focus	focus	NOUN
easat-7654	8	4	on	on	ADP
easat-7654	8	5	digital	digital	ADJ
easat-7654	8	6	financial	financial	ADJ
easat-7654	8	7	literacy	literacy	NOUN
easat-7654	8	8	and	and	CCONJ
easat-7654	8	9	perceived	perceive	VERB
easat-7654	8	10	security	security	NOUN
easat-7654	8	11	threats	threat	NOUN
easat-7654	8	12	among	among	ADP
easat-7654	8	13	dki	dki	PROPN
easat-7654	8	14	jakarta	jakarta	PROPN
easat-7654	8	15	students	students	PROPN
easat-7654	8	16	,	,	PUNCT
easat-7654	8	17	this	this	DET
easat-7654	8	18	study	study	NOUN
easat-7654	8	19	investigates	investigate	VERB
easat-7654	8	20	the	the	DET
easat-7654	8	21	factors	factor	NOUN
easat-7654	8	22	influencing	influence	VERB
easat-7654	8	23	the	the	DET
easat-7654	8	24	use	use	NOUN
easat-7654	8	25	of	of	ADP
easat-7654	8	26	online	online	ADJ
easat-7654	8	27	lending	lending	NOUN
easat-7654	8	28	services	service	NOUN
easat-7654	8	29	.	.	PUNCT
easat-7654	9	1	it	it	PRON
easat-7654	9	2	incorporates	incorporate	VERB
easat-7654	9	3	these	these	DET
easat-7654	9	4	ideas	idea	NOUN
easat-7654	9	5	into	into	ADP
easat-7654	9	6	a	a	DET
easat-7654	9	7	modified	modify	VERB
easat-7654	9	8	utaut2	utaut2	NOUN
easat-7654	9	9	model	model	PROPN
easat-7654	9	10	,	,	PUNCT
easat-7654	9	11	which	which	PRON
easat-7654	9	12	is	be	AUX
easat-7654	9	13	unique	unique	ADJ
easat-7654	9	14	.	.	PUNCT
easat-7654	10	1	partial	partial	ADJ
easat-7654	10	2	least	least	ADJ
easat-7654	10	3	squares	square	VERB
easat-7654	10	4	structural	structural	ADJ
easat-7654	10	5	equation	equation	NOUN
easat-7654	10	6	modeling	modeling	NOUN
easat-7654	10	7	(	(	PUNCT
easat-7654	10	8	pls	pls	INTJ
easat-7654	10	9	-	-	PUNCT
easat-7654	10	10	sem	sem	NOUN
easat-7654	10	11	)	)	PUNCT
easat-7654	10	12	,	,	PUNCT
easat-7654	10	13	a	a	DET
easat-7654	10	14	quantitative	quantitative	ADJ
easat-7654	10	15	method	method	NOUN
easat-7654	10	16	,	,	PUNCT
easat-7654	10	17	was	be	AUX
easat-7654	10	18	used	use	VERB
easat-7654	10	19	to	to	PART
easat-7654	10	20	examine	examine	VERB
easat-7654	10	21	data	datum	NOUN
easat-7654	10	22	from	from	ADP
easat-7654	10	23	an	an	DET
easat-7654	10	24	online	online	ADJ
easat-7654	10	25	survey	survey	NOUN
easat-7654	10	26	of	of	ADP
easat-7654	10	27	414	414	NUM
easat-7654	10	28	indonesian	indonesian	ADJ
easat-7654	10	29	online	online	ADJ
easat-7654	10	30	lenders	lender	NOUN
easat-7654	10	31	.	.	PUNCT
easat-7654	11	1	the	the	DET
easat-7654	11	2	findings	finding	NOUN
easat-7654	11	3	show	show	VERB
easat-7654	11	4	that	that	SCONJ
easat-7654	11	5	behavioral	behavioral	ADJ
easat-7654	11	6	intention	intention	NOUN
easat-7654	11	7	is	be	AUX
easat-7654	11	8	significantly	significantly	ADV
easat-7654	11	9	and	and	CCONJ
easat-7654	11	10	positively	positively	ADV
easat-7654	11	11	impacted	impact	VERB
easat-7654	11	12	by	by	ADP
easat-7654	11	13	hedonic	hedonic	ADJ
easat-7654	11	14	motivation	motivation	NOUN
easat-7654	11	15	,	,	PUNCT
easat-7654	11	16	price	price	NOUN
easat-7654	11	17	value	value	NOUN
easat-7654	11	18	,	,	PUNCT
easat-7654	11	19	digital	digital	ADJ
easat-7654	11	20	financial	financial	ADJ
easat-7654	11	21	literacy	literacy	NOUN
easat-7654	11	22	,	,	PUNCT
easat-7654	11	23	habit	habit	NOUN
easat-7654	11	24	,	,	PUNCT
easat-7654	11	25	effort	effort	NOUN
easat-7654	11	26	expectancy	expectancy	NOUN
easat-7654	11	27	,	,	PUNCT
easat-7654	11	28	social	social	ADJ
easat-7654	11	29	influence	influence	NOUN
easat-7654	11	30	,	,	PUNCT
easat-7654	11	31	performance	performance	NOUN
easat-7654	11	32	expectancy	expectancy	NOUN
easat-7654	11	33	,	,	PUNCT
easat-7654	11	34	and	and	CCONJ
easat-7654	11	35	facilitating	facilitate	VERB
easat-7654	11	36	conditions	condition	NOUN
easat-7654	11	37	.	.	PUNCT
easat-7654	12	1	perceived	perceive	VERB
easat-7654	12	2	security	security	NOUN
easat-7654	12	3	risk	risk	NOUN
easat-7654	12	4	did	do	AUX
easat-7654	12	5	not	not	PART
easat-7654	12	6	have	have	VERB
easat-7654	12	7	a	a	DET
easat-7654	12	8	substantial	substantial	ADJ
easat-7654	12	9	impact	impact	NOUN
easat-7654	12	10	,	,	PUNCT
easat-7654	12	11	which	which	PRON
easat-7654	12	12	was	be	AUX
easat-7654	12	13	unexpected	unexpected	ADJ
easat-7654	12	14	.	.	PUNCT
easat-7654	13	1	according	accord	VERB
easat-7654	13	2	to	to	ADP
easat-7654	13	3	these	these	DET
easat-7654	13	4	results	result	NOUN
easat-7654	13	5	,	,	PUNCT
easat-7654	13	6	in	in	ADP
easat-7654	13	7	order	order	NOUN
easat-7654	13	8	to	to	PART
easat-7654	13	9	increase	increase	VERB
easat-7654	13	10	user	user	NOUN
easat-7654	13	11	adoption	adoption	NOUN
easat-7654	13	12	and	and	CCONJ
easat-7654	13	13	usage	usage	NOUN
easat-7654	13	14	,	,	PUNCT
easat-7654	13	15	online	online	ADJ
easat-7654	13	16	lenders	lender	NOUN
easat-7654	13	17	should	should	AUX
easat-7654	13	18	prioritize	prioritize	VERB
easat-7654	13	19	factors	factor	NOUN
easat-7654	13	20	such	such	ADJ
easat-7654	13	21	as	as	ADP
easat-7654	13	22	price	price	NOUN
easat-7654	13	23	competitiveness	competitiveness	NOUN
easat-7654	13	24	,	,	PUNCT
easat-7654	13	25	social	social	ADJ
easat-7654	13	26	media	medium	NOUN
easat-7654	13	27	influence	influence	NOUN
easat-7654	13	28	,	,	PUNCT
easat-7654	13	29	habit	habit	NOUN
easat-7654	13	30	development	development	NOUN
easat-7654	13	31	,	,	PUNCT
easat-7654	13	32	user	user	NOUN
easat-7654	13	33	-	-	PUNCT
easat-7654	13	34	friendliness	friendliness	ADJ
easat-7654	13	35	,	,	PUNCT
easat-7654	13	36	benefits	benefit	NOUN
easat-7654	13	37	,	,	PUNCT
easat-7654	13	38	and	and	CCONJ
easat-7654	13	39	easily	easily	ADV
easat-7654	13	40	accessible	accessible	ADJ
easat-7654	13	41	digital	digital	ADJ
easat-7654	13	42	financial	financial	ADJ
easat-7654	13	43	literacy	literacy	NOUN
easat-7654	13	44	materials	material	NOUN
easat-7654	13	45	.	.	PUNCT
easat-7654	14	1	keywords	keyword	NOUN
easat-7654	14	2	:	:	PUNCT
easat-7654	14	3	digital	digital	ADJ
easat-7654	14	4	financial	financial	ADJ
easat-7654	14	5	literacy	literacy	NOUN
easat-7654	14	6	,	,	PUNCT
easat-7654	14	7	financial	financial	ADJ
easat-7654	14	8	technology	technology	NOUN
easat-7654	14	9	,	,	PUNCT
easat-7654	14	10	online	online	ADJ
easat-7654	14	11	loan	loan	NOUN
easat-7654	14	12	,	,	PUNCT
easat-7654	14	13	security	security	NOUN
easat-7654	14	14	risk	risk	NOUN
easat-7654	14	15	,	,	PUNCT
easat-7654	14	16	utaut2	utaut2	NOUN
easat-7654	14	17	.	.	PUNCT
easat-7654	15	1	1	1	X
easat-7654	15	2	.	.	X
easat-7654	15	3	introduction	introduction	NOUN
easat-7654	15	4	technology	technology	NOUN
easat-7654	15	5	has	have	AUX
easat-7654	15	6	changed	change	VERB
easat-7654	15	7	the	the	DET
easat-7654	15	8	way	way	NOUN
easat-7654	15	9	we	we	PRON
easat-7654	15	10	do	do	VERB
easat-7654	15	11	things	thing	NOUN
easat-7654	15	12	,	,	PUNCT
easat-7654	15	13	especially	especially	ADV
easat-7654	15	14	when	when	SCONJ
easat-7654	15	15	it	it	PRON
easat-7654	15	16	comes	come	VERB
easat-7654	15	17	to	to	ADP
easat-7654	15	18	money	money	NOUN
easat-7654	15	19	.	.	PUNCT
easat-7654	16	1	fintech	fintech	NOUN
easat-7654	16	2	,	,	PUNCT
easat-7654	16	3	like	like	ADP
easat-7654	16	4	online	online	ADJ
easat-7654	16	5	loan	loan	NOUN
easat-7654	16	6	apps	app	NOUN
easat-7654	16	7	,	,	PUNCT
easat-7654	16	8	has	have	AUX
easat-7654	16	9	made	make	VERB
easat-7654	16	10	it	it	PRON
easat-7654	16	11	easier	easy	ADJ
easat-7654	16	12	for	for	SCONJ
easat-7654	16	13	people	people	NOUN
easat-7654	16	14	to	to	PART
easat-7654	16	15	borrow	borrow	VERB
easat-7654	16	16	money	money	NOUN
easat-7654	16	17	quickly	quickly	ADV
easat-7654	16	18	and	and	CCONJ
easat-7654	16	19	easily	easily	ADV
easat-7654	16	20	,	,	PUNCT
easat-7654	16	21	anytime	anytime	ADV
easat-7654	16	22	,	,	PUNCT
easat-7654	16	23	anywhere	anywhere	ADV
easat-7654	16	24	[	[	X
easat-7654	16	25	1	1	NUM
easat-7654	16	26	]	]	PUNCT
easat-7654	16	27	.	.	PUNCT
easat-7654	17	1	these	these	DET
easat-7654	17	2	days	day	NOUN
easat-7654	17	3	,	,	PUNCT
easat-7654	17	4	online	online	ADJ
easat-7654	17	5	loans	loan	NOUN
easat-7654	17	6	are	be	AUX
easat-7654	17	7	becoming	become	VERB
easat-7654	17	8	really	really	ADV
easat-7654	17	9	popular	popular	ADJ
easat-7654	17	10	.	.	PUNCT
easat-7654	18	1	it	it	PRON
easat-7654	18	2	’s	’	VERB
easat-7654	18	3	a	a	DET
easat-7654	18	4	great	great	ADJ
easat-7654	18	5	option	option	NOUN
easat-7654	18	6	for	for	ADP
easat-7654	18	7	people	people	NOUN
easat-7654	18	8	who	who	PRON
easat-7654	18	9	need	need	VERB
easat-7654	18	10	money	money	NOUN
easat-7654	18	11	fast	fast	ADV
easat-7654	18	12	,	,	PUNCT
easat-7654	18	13	especially	especially	ADV
easat-7654	18	14	if	if	SCONJ
easat-7654	18	15	they	they	PRON
easat-7654	18	16	're	be	AUX
easat-7654	18	17	having	have	VERB
easat-7654	18	18	a	a	DET
easat-7654	18	19	hard	hard	ADJ
easat-7654	18	20	time	time	NOUN
easat-7654	18	21	getting	get	VERB
easat-7654	18	22	a	a	DET
easat-7654	18	23	loan	loan	NOUN
easat-7654	18	24	from	from	ADP
easat-7654	18	25	a	a	DET
easat-7654	18	26	traditional	traditional	ADJ
easat-7654	18	27	bank	bank	NOUN
easat-7654	18	28	.	.	PUNCT
easat-7654	19	1	online	online	ADJ
easat-7654	19	2	loans	loan	NOUN
easat-7654	19	3	are	be	AUX
easat-7654	19	4	easier	easy	ADJ
easat-7654	19	5	to	to	PART
easat-7654	19	6	get	get	VERB
easat-7654	19	7	because	because	SCONJ
easat-7654	19	8	they	they	PRON
easat-7654	19	9	have	have	VERB
easat-7654	19	10	more	more	ADV
easat-7654	19	11	flexible	flexible	ADJ
easat-7654	19	12	requirements	requirement	NOUN
easat-7654	19	13	[	[	X
easat-7654	19	14	2	2	NUM
easat-7654	19	15	]	]	PUNCT
easat-7654	19	16	.	.	PUNCT
easat-7654	20	1	with	with	ADP
easat-7654	20	2	the	the	DET
easat-7654	20	3	proliferation	proliferation	NOUN
easat-7654	20	4	of	of	ADP
easat-7654	20	5	fintechbased	fintechbase	VERB
easat-7654	20	6	online	online	ADJ
easat-7654	20	7	lending	lending	NOUN
easat-7654	20	8	startups	startup	NOUN
easat-7654	20	9	in	in	ADP
easat-7654	20	10	indonesia	indonesia	PROPN
easat-7654	20	11	,	,	PUNCT
easat-7654	20	12	there	there	PRON
easat-7654	20	13	is	be	VERB
easat-7654	20	14	a	a	DET
easat-7654	20	15	wide	wide	ADJ
easat-7654	20	16	variety	variety	NOUN
easat-7654	20	17	of	of	ADP
easat-7654	20	18	applications	application	NOUN
easat-7654	20	19	offering	offer	VERB
easat-7654	20	20	convenient	convenient	ADJ
easat-7654	20	21	loan	loan	NOUN
easat-7654	20	22	services	service	NOUN
easat-7654	20	23	to	to	ADP
easat-7654	20	24	consumers	consumer	NOUN
easat-7654	20	25	.	.	PUNCT
easat-7654	21	1	the	the	DET
easat-7654	21	2	increasing	increase	VERB
easat-7654	21	3	number	number	NOUN
easat-7654	21	4	of	of	ADP
easat-7654	21	5	online	online	ADJ
easat-7654	21	6	lending	lending	NOUN
easat-7654	21	7	applications	application	NOUN
easat-7654	21	8	has	have	AUX
easat-7654	21	9	driven	drive	VERB
easat-7654	21	10	companies	company	NOUN
easat-7654	21	11	to	to	PART
easat-7654	21	12	continuously	continuously	ADV
easat-7654	21	13	improve	improve	VERB
easat-7654	21	14	their	their	PRON
easat-7654	21	15	quality	quality	NOUN
easat-7654	21	16	and	and	CCONJ
easat-7654	21	17	services	service	NOUN
easat-7654	21	18	to	to	PART
easat-7654	21	19	meet	meet	VERB
easat-7654	21	20	customer	customer	NOUN
easat-7654	21	21	demand	demand	NOUN
easat-7654	21	22	[	[	X
easat-7654	21	23	3	3	NUM
easat-7654	21	24	]	]	PUNCT
easat-7654	21	25	.	.	PUNCT
easat-7654	22	1	derived	derive	VERB
easat-7654	22	2	from	from	ADP
easat-7654	22	3	populix	populix	NOUN
easat-7654	22	4	's	's	PART
easat-7654	22	5	"	"	PUNCT
easat-7654	22	6	most	most	ADV
easat-7654	22	7	used	use	VERB
easat-7654	22	8	lending	lending	NOUN
easat-7654	22	9	apps	app	NOUN
easat-7654	22	10	"	"	PUNCT
easat-7654	22	11	survey	survey	NOUN
easat-7654	22	12	,	,	PUNCT
easat-7654	22	13	reveals	reveal	VERB
easat-7654	22	14	the	the	DET
easat-7654	22	15	evolution	evolution	NOUN
easat-7654	22	16	of	of	ADP
easat-7654	22	17	finance	finance	NOUN
easat-7654	22	18	in	in	ADP
easat-7654	22	19	indonesia	indonesia	PROPN
easat-7654	22	20	as	as	ADP
easat-7654	22	21	of	of	ADP
easat-7654	22	22	october	october	PROPN
easat-7654	22	23	2023	2023	NUM
easat-7654	22	24	.	.	PUNCT
easat-7654	23	1	among	among	ADP
easat-7654	23	2	the	the	DET
easat-7654	23	3	1,071	1,071	NUM
easat-7654	23	4	respondents	respondent	NOUN
easat-7654	23	5	,	,	PUNCT
easat-7654	23	6	420	420	NUM
easat-7654	23	7	indicated	indicate	VERB
easat-7654	23	8	using	use	VERB
easat-7654	23	9	online	online	ADJ
easat-7654	23	10	lending	lending	NOUN
easat-7654	23	11	applications	application	NOUN
easat-7654	23	12	for	for	ADP
easat-7654	23	13	various	various	ADJ
easat-7654	23	14	reasons	reason	NOUN
easat-7654	23	15	such	such	ADJ
easat-7654	23	16	as	as	ADP
easat-7654	23	17	housing	housing	NOUN
easat-7654	23	18	,	,	PUNCT
easat-7654	23	19	business	business	NOUN
easat-7654	23	20	,	,	PUNCT
easat-7654	23	21	employment	employment	NOUN
easat-7654	23	22	,	,	PUNCT
easat-7654	23	23	education	education	NOUN
easat-7654	23	24	,	,	PUNCT
easat-7654	23	25	lifestyle	lifestyle	NOUN
easat-7654	23	26	,	,	PUNCT
easat-7654	23	27	healthcare	healthcare	PROPN
easat-7654	23	28	,	,	PUNCT
easat-7654	23	29	and	and	CCONJ
easat-7654	23	30	others	other	NOUN
easat-7654	23	31	.	.	PUNCT
easat-7654	24	1	akulaku	akulaku	PROPN
easat-7654	24	2	emerged	emerge	VERB
easat-7654	24	3	as	as	ADP
easat-7654	24	4	the	the	DET
easat-7654	24	5	most	most	ADV
easat-7654	24	6	preferred	preferred	ADJ
easat-7654	24	7	app	app	NOUN
easat-7654	24	8	,	,	PUNCT
easat-7654	24	9	followed	follow	VERB
easat-7654	24	10	by	by	ADP
easat-7654	24	11	populix	populix	NOUN
easat-7654	24	12	[	[	X
easat-7654	24	13	4	4	NUM
easat-7654	24	14	]	]	PUNCT
easat-7654	24	15	.	.	PUNCT
easat-7654	25	1	sourced	source	VERB
easat-7654	25	2	from	from	ADP
easat-7654	25	3	indonesiabaik.id	indonesiabaik.id	NUM
easat-7654	25	4	and	and	CCONJ
easat-7654	25	5	ojk	ojk	NOUN
easat-7654	25	6	's	's	PART
easat-7654	25	7	data	datum	NOUN
easat-7654	25	8	in	in	ADP
easat-7654	25	9	june	june	PROPN
easat-7654	25	10	2023	2023	NUM
easat-7654	25	11	,	,	PUNCT
easat-7654	25	12	highlights	highlight	VERB
easat-7654	25	13	that	that	SCONJ
easat-7654	25	14	the	the	DET
easat-7654	25	15	majority	majority	NOUN
easat-7654	25	16	of	of	ADP
easat-7654	25	17	online	online	ADJ
easat-7654	25	18	loan	loan	NOUN
easat-7654	25	19	app	app	NOUN
easat-7654	25	20	users	user	NOUN
easat-7654	25	21	in	in	ADP
easat-7654	25	22	indonesia	indonesia	PROPN
easat-7654	25	23	fall	fall	VERB
easat-7654	25	24	within	within	ADP
easat-7654	25	25	the	the	DET
easat-7654	25	26	19	19	NUM
easat-7654	25	27	-	-	SYM
easat-7654	25	28	34	34	NUM
easat-7654	25	29	age	age	NOUN
easat-7654	25	30	group	group	NOUN
easat-7654	25	31	,	,	PUNCT
easat-7654	25	32	with	with	ADP
easat-7654	25	33	a	a	DET
easat-7654	25	34	total	total	ADJ
easat-7654	25	35	loan	loan	NOUN
easat-7654	25	36	value	value	NOUN
easat-7654	25	37	of	of	ADP
easat-7654	25	38	rp	rp	NOUN
easat-7654	25	39	26.87	26.87	NUM
easat-7654	25	40	trillion	trillion	NUM
easat-7654	25	41	.	.	PUNCT
easat-7654	26	1	the	the	DET
easat-7654	26	2	second	second	ADV
easat-7654	26	3	largest	large	ADJ
easat-7654	26	4	user	user	NOUN
easat-7654	26	5	group	group	NOUN
easat-7654	26	6	is	be	AUX
easat-7654	26	7	the	the	DET
easat-7654	26	8	35	35	NUM
easat-7654	26	9	-	-	SYM
easat-7654	26	10	54	54	NUM
easat-7654	26	11	age	age	NOUN
easat-7654	26	12	bracket	bracket	NOUN
easat-7654	26	13	,	,	PUNCT
easat-7654	26	14	with	with	ADP
easat-7654	26	15	a	a	DET
easat-7654	26	16	loan	loan	NOUN
easat-7654	26	17	value	value	NOUN
easat-7654	26	18	of	of	ADP
easat-7654	26	19	rp	rp	NOUN
easat-7654	26	20	17.98	17.98	NUM
easat-7654	26	21	trillion	trillion	NUM
easat-7654	27	1	[	[	X
easat-7654	27	2	5	5	NUM
easat-7654	27	3	]	]	PUNCT
easat-7654	27	4	.	.	PUNCT
easat-7654	28	1	populix	populix	PROPN
easat-7654	28	2	's	's	PART
easat-7654	28	3	survey	survey	NOUN
easat-7654	28	4	further	further	ADJ
easat-7654	28	5	delves	delf	NOUN
easat-7654	28	6	into	into	ADP
easat-7654	28	7	the	the	DET
easat-7654	28	8	user	user	NOUN
easat-7654	28	9	profile	profile	NOUN
easat-7654	28	10	.	.	PUNCT
easat-7654	29	1	it	it	PRON
easat-7654	29	2	reveals	reveal	VERB
easat-7654	29	3	that	that	SCONJ
easat-7654	29	4	gen	gen	PROPN
easat-7654	29	5	z	z	PROPN
easat-7654	29	6	,	,	PUNCT
easat-7654	29	7	aged	age	VERB
easat-7654	29	8	17	17	NUM
easat-7654	29	9	-	-	SYM
easat-7654	29	10	25	25	NUM
easat-7654	29	11	,	,	PUNCT
easat-7654	29	12	primarily	primarily	ADV
easat-7654	29	13	students	student	NOUN
easat-7654	29	14	,	,	PUNCT
easat-7654	29	15	constitute	constitute	VERB
easat-7654	29	16	the	the	DET
easat-7654	29	17	https://orcid.org/0000-0001-8876-3472	https://orcid.org/0000-0001-8876-3472	PROPN
easat-7654	29	18	3135	3135	NUM
easat-7654	29	19	edelweiss	edelweiss	PROPN
easat-7654	29	20	applied	apply	VERB
easat-7654	29	21	science	science	NOUN
easat-7654	29	22	and	and	CCONJ
easat-7654	29	23	technology	technology	NOUN
easat-7654	29	24	issn	issn	PROPN
easat-7654	29	25	:	:	PUNCT
easat-7654	29	26	2576	2576	NUM
easat-7654	29	27	-	-	SYM
easat-7654	29	28	8484	8484	NUM
easat-7654	29	29	vol	vol	NOUN
easat-7654	29	30	.	.	PROPN
easat-7654	30	1	9	9	NUM
easat-7654	30	2	,	,	PUNCT
easat-7654	30	3	no	no	INTJ
easat-7654	30	4	.	.	NOUN
easat-7654	30	5	5	5	NUM
easat-7654	30	6	:	:	SYM
easat-7654	30	7	3134	3134	NUM
easat-7654	30	8	-	-	SYM
easat-7654	30	9	3148	3148	NUM
easat-7654	30	10	,	,	PUNCT
easat-7654	30	11	2025	2025	NUM
easat-7654	30	12	doi	doi	NOUN
easat-7654	30	13	:	:	PUNCT
easat-7654	30	14	10.55214/25768484.v9i5.7654	10.55214/25768484.v9i5.7654	NUM
easat-7654	30	15	©	©	NOUN
easat-7654	30	16	2025	2025	NUM
easat-7654	30	17	by	by	ADP
easat-7654	30	18	the	the	DET
easat-7654	30	19	authors	author	NOUN
easat-7654	30	20	;	;	PUNCT
easat-7654	30	21	licensee	licensee	PROPN
easat-7654	30	22	learning	learning	NOUN
easat-7654	30	23	gate	gate	VERB
easat-7654	30	24	largest	large	ADJ
easat-7654	30	25	user	user	NOUN
easat-7654	30	26	base	base	NOUN
easat-7654	30	27	of	of	ADP
easat-7654	30	28	online	online	ADJ
easat-7654	30	29	lending	lending	NOUN
easat-7654	30	30	fintech	fintech	NOUN
easat-7654	30	31	services	service	NOUN
easat-7654	30	32	.	.	PUNCT
easat-7654	31	1	common	common	ADJ
easat-7654	31	2	motivations	motivation	NOUN
easat-7654	31	3	for	for	ADP
easat-7654	31	4	these	these	DET
easat-7654	31	5	loans	loan	NOUN
easat-7654	31	6	include	include	VERB
easat-7654	31	7	education	education	NOUN
easat-7654	31	8	expenses	expense	NOUN
easat-7654	31	9	,	,	PUNCT
easat-7654	31	10	lifestyle	lifestyle	NOUN
easat-7654	31	11	,	,	PUNCT
easat-7654	31	12	healthcare	healthcare	PROPN
easat-7654	31	13	,	,	PUNCT
easat-7654	31	14	and	and	CCONJ
easat-7654	31	15	other	other	ADJ
easat-7654	31	16	needs	need	NOUN
easat-7654	31	17	[	[	X
easat-7654	31	18	4	4	NUM
easat-7654	31	19	]	]	PUNCT
easat-7654	31	20	.	.	PUNCT
easat-7654	32	1	given	give	VERB
easat-7654	32	2	the	the	DET
easat-7654	32	3	quick	quick	ADJ
easat-7654	32	4	and	and	CCONJ
easat-7654	32	5	easy	easy	ADJ
easat-7654	32	6	nature	nature	NOUN
easat-7654	32	7	of	of	ADP
easat-7654	32	8	online	online	ADJ
easat-7654	32	9	lending	lending	NOUN
easat-7654	32	10	applications	application	NOUN
easat-7654	32	11	,	,	PUNCT
easat-7654	32	12	borrowers	borrower	NOUN
easat-7654	32	13	often	often	ADV
easat-7654	32	14	utilize	utilize	VERB
easat-7654	32	15	these	these	DET
easat-7654	32	16	platforms	platform	NOUN
easat-7654	32	17	for	for	ADP
easat-7654	32	18	various	various	ADJ
easat-7654	32	19	needs	need	NOUN
easat-7654	32	20	such	such	ADJ
easat-7654	32	21	as	as	ADP
easat-7654	32	22	bill	bill	NOUN
easat-7654	32	23	payments	payment	NOUN
easat-7654	32	24	,	,	PUNCT
easat-7654	32	25	installment	installment	NOUN
easat-7654	32	26	plans	plan	NOUN
easat-7654	32	27	,	,	PUNCT
easat-7654	32	28	and	and	CCONJ
easat-7654	32	29	educational	educational	ADJ
easat-7654	32	30	expenses	expense	NOUN
easat-7654	32	31	[	[	X
easat-7654	32	32	6	6	NUM
easat-7654	32	33	]	]	PUNCT
easat-7654	32	34	.	.	PUNCT
easat-7654	33	1	this	this	DET
easat-7654	33	2	research	research	NOUN
easat-7654	33	3	is	be	AUX
easat-7654	33	4	primarily	primarily	ADV
easat-7654	33	5	motivated	motivate	VERB
easat-7654	33	6	by	by	ADP
easat-7654	33	7	the	the	DET
easat-7654	33	8	ease	ease	NOUN
easat-7654	33	9	with	with	ADP
easat-7654	33	10	which	which	PRON
easat-7654	33	11	individuals	individual	NOUN
easat-7654	33	12	can	can	AUX
easat-7654	33	13	obtain	obtain	VERB
easat-7654	33	14	online	online	ADJ
easat-7654	33	15	loans	loan	NOUN
easat-7654	33	16	through	through	ADP
easat-7654	33	17	mobile	mobile	ADJ
easat-7654	33	18	apps	app	NOUN
easat-7654	33	19	,	,	PUNCT
easat-7654	33	20	which	which	PRON
easat-7654	33	21	can	can	AUX
easat-7654	33	22	lead	lead	VERB
easat-7654	33	23	to	to	ADP
easat-7654	33	24	impulsive	impulsive	ADJ
easat-7654	33	25	,	,	PUNCT
easat-7654	33	26	risky	risky	ADJ
easat-7654	33	27	decision	decision	NOUN
easat-7654	33	28	-	-	PUNCT
easat-7654	33	29	making	making	NOUN
easat-7654	33	30	,	,	PUNCT
easat-7654	33	31	especially	especially	ADV
easat-7654	33	32	during	during	ADP
easat-7654	33	33	times	time	NOUN
easat-7654	33	34	of	of	ADP
easat-7654	33	35	urgency	urgency	NOUN
easat-7654	33	36	.	.	PUNCT
easat-7654	34	1	lack	lack	NOUN
easat-7654	34	2	of	of	ADP
easat-7654	34	3	digital	digital	ADJ
easat-7654	34	4	financial	financial	ADJ
easat-7654	34	5	literacy	literacy	NOUN
easat-7654	34	6	renders	render	VERB
easat-7654	34	7	individuals	individual	NOUN
easat-7654	34	8	susceptible	susceptible	ADJ
easat-7654	34	9	to	to	ADP
easat-7654	34	10	making	make	VERB
easat-7654	34	11	risky	risky	ADJ
easat-7654	34	12	financial	financial	ADJ
easat-7654	34	13	decisions	decision	NOUN
easat-7654	34	14	without	without	ADP
easat-7654	34	15	considering	consider	VERB
easat-7654	34	16	long	long	ADJ
easat-7654	34	17	-	-	PUNCT
easat-7654	34	18	term	term	NOUN
easat-7654	34	19	consequences	consequence	NOUN
easat-7654	34	20	,	,	PUNCT
easat-7654	34	21	such	such	ADJ
easat-7654	34	22	as	as	ADP
easat-7654	34	23	mounting	mount	VERB
easat-7654	34	24	debt	debt	NOUN
easat-7654	34	25	and	and	CCONJ
easat-7654	34	26	potential	potential	ADJ
easat-7654	34	27	misuse	misuse	NOUN
easat-7654	34	28	of	of	ADP
easat-7654	34	29	personal	personal	ADJ
easat-7654	34	30	data	datum	NOUN
easat-7654	34	31	.	.	PUNCT
easat-7654	35	1	under	under	ADP
easat-7654	35	2	such	such	ADJ
easat-7654	35	3	circumstances	circumstance	NOUN
easat-7654	35	4	,	,	PUNCT
easat-7654	35	5	individuals	individual	NOUN
easat-7654	35	6	may	may	AUX
easat-7654	35	7	be	be	AUX
easat-7654	35	8	inclined	incline	VERB
easat-7654	35	9	to	to	PART
easat-7654	35	10	quickly	quickly	ADV
easat-7654	35	11	resolve	resolve	VERB
easat-7654	35	12	their	their	PRON
easat-7654	35	13	problems	problem	NOUN
easat-7654	35	14	without	without	ADP
easat-7654	35	15	considering	consider	VERB
easat-7654	35	16	important	important	ADJ
easat-7654	35	17	factors	factor	NOUN
easat-7654	35	18	,	,	PUNCT
easat-7654	35	19	opting	opt	VERB
easat-7654	35	20	instead	instead	ADV
easat-7654	35	21	for	for	ADP
easat-7654	35	22	online	online	ADJ
easat-7654	35	23	loans	loan	NOUN
easat-7654	36	1	[	[	X
easat-7654	36	2	7	7	NUM
easat-7654	36	3	]	]	PUNCT
easat-7654	36	4	.	.	PUNCT
easat-7654	37	1	furthermore	furthermore	ADV
easat-7654	37	2	,	,	PUNCT
easat-7654	37	3	indonesian	indonesian	ADJ
easat-7654	37	4	users	user	NOUN
easat-7654	37	5	of	of	ADP
easat-7654	37	6	online	online	ADJ
easat-7654	37	7	lending	lending	NOUN
easat-7654	37	8	applications	application	NOUN
easat-7654	37	9	express	express	VERB
easat-7654	37	10	concerns	concern	NOUN
easat-7654	37	11	regarding	regard	VERB
easat-7654	37	12	illegal	illegal	ADJ
easat-7654	37	13	lending	lending	NOUN
easat-7654	37	14	practices	practice	NOUN
easat-7654	37	15	,	,	PUNCT
easat-7654	37	16	high	high	ADJ
easat-7654	37	17	interest	interest	NOUN
easat-7654	37	18	rates	rate	NOUN
easat-7654	37	19	,	,	PUNCT
easat-7654	37	20	unethical	unethical	ADJ
easat-7654	37	21	debt	debt	NOUN
easat-7654	37	22	collection	collection	NOUN
easat-7654	37	23	,	,	PUNCT
easat-7654	37	24	misuse	misuse	NOUN
easat-7654	37	25	of	of	ADP
easat-7654	37	26	personal	personal	ADJ
easat-7654	37	27	data	datum	NOUN
easat-7654	37	28	,	,	PUNCT
easat-7654	37	29	and	and	CCONJ
easat-7654	37	30	fraud	fraud	NOUN
easat-7654	37	31	.	.	PUNCT
easat-7654	38	1	the	the	DET
easat-7654	38	2	government	government	NOUN
easat-7654	38	3	has	have	AUX
easat-7654	38	4	enacted	enact	VERB
easat-7654	38	5	regulations	regulation	NOUN
easat-7654	38	6	to	to	PART
easat-7654	38	7	mitigate	mitigate	VERB
easat-7654	38	8	these	these	DET
easat-7654	38	9	issues	issue	NOUN
easat-7654	38	10	,	,	PUNCT
easat-7654	38	11	as	as	SCONJ
easat-7654	38	12	outlined	outline	VERB
easat-7654	38	13	in	in	ADP
easat-7654	38	14	relevant	relevant	ADJ
easat-7654	38	15	legislation	legislation	NOUN
easat-7654	38	16	[	[	X
easat-7654	38	17	8	8	NUM
easat-7654	38	18	]	]	PUNCT
easat-7654	38	19	.	.	PUNCT
easat-7654	39	1	there	there	PRON
easat-7654	39	2	have	have	AUX
easat-7654	39	3	been	be	AUX
easat-7654	39	4	cases	case	NOUN
easat-7654	39	5	where	where	SCONJ
easat-7654	39	6	individuals	individual	NOUN
easat-7654	39	7	have	have	AUX
easat-7654	39	8	experienced	experience	VERB
easat-7654	39	9	fear	fear	NOUN
easat-7654	39	10	due	due	ADP
easat-7654	39	11	to	to	ADP
easat-7654	39	12	the	the	DET
easat-7654	39	13	misuse	misuse	NOUN
easat-7654	39	14	of	of	ADP
easat-7654	39	15	personal	personal	ADJ
easat-7654	39	16	data	datum	NOUN
easat-7654	39	17	on	on	ADP
easat-7654	39	18	online	online	ADJ
easat-7654	39	19	lending	lending	NOUN
easat-7654	39	20	applications	application	NOUN
easat-7654	39	21	.	.	PUNCT
easat-7654	40	1	these	these	DET
easat-7654	40	2	users	user	NOUN
easat-7654	40	3	did	do	AUX
easat-7654	40	4	not	not	PART
easat-7654	40	5	recall	recall	VERB
easat-7654	40	6	taking	take	VERB
easat-7654	40	7	out	out	ADP
easat-7654	40	8	online	online	ADJ
easat-7654	40	9	loans	loan	NOUN
easat-7654	40	10	but	but	CCONJ
easat-7654	40	11	found	find	VERB
easat-7654	40	12	themselves	themselves	PRON
easat-7654	40	13	registered	register	VERB
easat-7654	40	14	as	as	ADP
easat-7654	40	15	borrowers	borrower	NOUN
easat-7654	40	16	and	and	CCONJ
easat-7654	40	17	were	be	AUX
easat-7654	40	18	threatened	threaten	VERB
easat-7654	40	19	with	with	ADP
easat-7654	40	20	the	the	DET
easat-7654	40	21	sale	sale	NOUN
easat-7654	40	22	and	and	CCONJ
easat-7654	40	23	dissemination	dissemination	NOUN
easat-7654	40	24	of	of	ADP
easat-7654	40	25	their	their	PRON
easat-7654	40	26	personal	personal	ADJ
easat-7654	40	27	information	information	NOUN
easat-7654	40	28	by	by	ADP
easat-7654	40	29	online	online	ADJ
easat-7654	40	30	loan	loan	NOUN
easat-7654	40	31	collectors	collector	NOUN
easat-7654	40	32	[	[	X
easat-7654	40	33	9	9	NUM
easat-7654	40	34	]	]	PUNCT
easat-7654	40	35	.	.	PUNCT
easat-7654	41	1	furthermore	furthermore	ADV
easat-7654	41	2	,	,	PUNCT
easat-7654	41	3	the	the	DET
easat-7654	41	4	financial	financial	ADJ
easat-7654	41	5	services	service	NOUN
easat-7654	41	6	authority	authority	NOUN
easat-7654	41	7	(	(	PUNCT
easat-7654	41	8	ojk	ojk	NOUN
easat-7654	41	9	)	)	PUNCT
easat-7654	41	10	discovered	discover	VERB
easat-7654	41	11	537	537	NUM
easat-7654	41	12	illegal	illegal	ADJ
easat-7654	41	13	online	online	ADJ
easat-7654	41	14	lending	lending	NOUN
easat-7654	41	15	applications	application	NOUN
easat-7654	41	16	in	in	ADP
easat-7654	41	17	2024	2024	NUM
easat-7654	41	18	,	,	PUNCT
easat-7654	41	19	posing	pose	VERB
easat-7654	41	20	potential	potential	ADJ
easat-7654	41	21	harm	harm	NOUN
easat-7654	41	22	to	to	ADP
easat-7654	41	23	the	the	DET
easat-7654	41	24	public	public	NOUN
easat-7654	41	25	and	and	CCONJ
easat-7654	41	26	violating	violate	VERB
easat-7654	41	27	data	datum	NOUN
easat-7654	41	28	privacy	privacy	NOUN
easat-7654	41	29	regulations	regulation	NOUN
easat-7654	41	30	[	[	X
easat-7654	41	31	10	10	NUM
easat-7654	41	32	]	]	PUNCT
easat-7654	41	33	.	.	PUNCT
easat-7654	42	1	in	in	ADP
easat-7654	42	2	indonesia	indonesia	PROPN
easat-7654	42	3	,	,	PUNCT
easat-7654	42	4	online	online	ADJ
easat-7654	42	5	lending	lending	NOUN
easat-7654	42	6	is	be	AUX
easat-7654	42	7	regulated	regulate	VERB
easat-7654	42	8	by	by	ADP
easat-7654	42	9	the	the	DET
easat-7654	42	10	financial	financial	PROPN
easat-7654	42	11	services	service	NOUN
easat-7654	42	12	authority	authority	NOUN
easat-7654	42	13	(	(	PUNCT
easat-7654	42	14	ojk	ojk	NOUN
easat-7654	42	15	)	)	PUNCT
easat-7654	42	16	regulation	regulation	NOUN
easat-7654	42	17	no	no	NOUN
easat-7654	42	18	.	.	NOUN
easat-7654	43	1	77	77	NUM
easat-7654	43	2	/	/	SYM
easat-7654	43	3	pojk.01/2016	pojk.01/2016	PROPN
easat-7654	43	4	regarding	regard	VERB
easat-7654	43	5	lending	lending	NOUN
easat-7654	43	6	and	and	CCONJ
easat-7654	43	7	borrowing	borrowing	NOUN
easat-7654	43	8	services	service	NOUN
easat-7654	43	9	based	base	VERB
easat-7654	43	10	on	on	ADP
easat-7654	43	11	information	information	NOUN
easat-7654	43	12	technology	technology	NOUN
easat-7654	43	13	.	.	PUNCT
easat-7654	44	1	in	in	ADP
easat-7654	44	2	indonesia	indonesia	PROPN
easat-7654	44	3	,	,	PUNCT
easat-7654	44	4	online	online	ADJ
easat-7654	44	5	lenders	lender	NOUN
easat-7654	44	6	must	must	AUX
easat-7654	44	7	apply	apply	VERB
easat-7654	44	8	for	for	ADP
easat-7654	44	9	a	a	DET
easat-7654	44	10	license	license	NOUN
easat-7654	44	11	from	from	ADP
easat-7654	44	12	the	the	DET
easat-7654	44	13	ojk	ojk	NOUN
easat-7654	44	14	,	,	PUNCT
easat-7654	44	15	use	use	VERB
easat-7654	44	16	fair	fair	ADJ
easat-7654	44	17	lending	lending	NOUN
easat-7654	44	18	procedures	procedure	NOUN
easat-7654	44	19	and	and	CCONJ
easat-7654	44	20	practices	practice	NOUN
easat-7654	44	21	,	,	PUNCT
easat-7654	44	22	safeguard	safeguard	VERB
easat-7654	44	23	the	the	DET
easat-7654	44	24	privacy	privacy	NOUN
easat-7654	44	25	of	of	ADP
easat-7654	44	26	borrowers	borrower	NOUN
easat-7654	44	27	,	,	PUNCT
easat-7654	44	28	and	and	CCONJ
easat-7654	44	29	only	only	ADV
easat-7654	44	30	make	make	VERB
easat-7654	44	31	loans	loan	NOUN
easat-7654	44	32	to	to	ADP
easat-7654	44	33	borrowers	borrower	NOUN
easat-7654	44	34	who	who	PRON
easat-7654	44	35	can	can	AUX
easat-7654	44	36	repay	repay	VERB
easat-7654	44	37	them	they	PRON
easat-7654	45	1	[	[	X
easat-7654	45	2	11	11	NUM
easat-7654	45	3	]	]	PUNCT
easat-7654	45	4	.	.	PUNCT
easat-7654	46	1	digital	digital	ADJ
easat-7654	46	2	financial	financial	ADJ
easat-7654	46	3	literacy	literacy	NOUN
easat-7654	46	4	refers	refer	VERB
easat-7654	46	5	to	to	ADP
easat-7654	46	6	an	an	DET
easat-7654	46	7	individual	individual	NOUN
easat-7654	46	8	's	's	PART
easat-7654	46	9	ability	ability	NOUN
easat-7654	46	10	to	to	PART
easat-7654	46	11	understand	understand	VERB
easat-7654	46	12	,	,	PUNCT
easat-7654	46	13	use	use	NOUN
easat-7654	46	14	,	,	PUNCT
easat-7654	46	15	and	and	CCONJ
easat-7654	46	16	manage	manage	VERB
easat-7654	46	17	financial	financial	ADJ
easat-7654	46	18	services	service	NOUN
easat-7654	46	19	effectively	effectively	ADV
easat-7654	46	20	in	in	ADP
easat-7654	46	21	the	the	DET
easat-7654	46	22	digital	digital	ADJ
easat-7654	46	23	age	age	NOUN
easat-7654	46	24	.	.	PUNCT
easat-7654	47	1	prior	prior	ADV
easat-7654	47	2	to	to	PART
easat-7654	47	3	use	use	VERB
easat-7654	47	4	online	online	ADJ
easat-7654	47	5	lending	lending	NOUN
easat-7654	47	6	applications	application	NOUN
easat-7654	47	7	,	,	PUNCT
easat-7654	47	8	prospective	prospective	ADJ
easat-7654	47	9	users	user	NOUN
easat-7654	47	10	should	should	AUX
easat-7654	47	11	have	have	VERB
easat-7654	47	12	a	a	DET
easat-7654	47	13	solid	solid	ADJ
easat-7654	47	14	awareness	awareness	NOUN
easat-7654	47	15	of	of	ADP
easat-7654	47	16	financial	financial	ADJ
easat-7654	47	17	technology	technology	NOUN
easat-7654	47	18	,	,	PUNCT
easat-7654	47	19	financial	financial	ADJ
easat-7654	47	20	security	security	NOUN
easat-7654	47	21	and	and	CCONJ
easat-7654	47	22	protection	protection	NOUN
easat-7654	47	23	,	,	PUNCT
easat-7654	47	24	financial	financial	ADJ
easat-7654	47	25	planning	planning	NOUN
easat-7654	47	26	,	,	PUNCT
easat-7654	47	27	and	and	CCONJ
easat-7654	47	28	the	the	DET
easat-7654	47	29	services	service	NOUN
easat-7654	47	30	themselves	themselves	PRON
easat-7654	47	31	.	.	PUNCT
easat-7654	48	1	numerous	numerous	ADJ
easat-7654	48	2	issues	issue	NOUN
easat-7654	48	3	,	,	PUNCT
easat-7654	48	4	such	such	ADJ
easat-7654	48	5	as	as	ADP
easat-7654	48	6	a	a	DET
easat-7654	48	7	poor	poor	ADJ
easat-7654	48	8	understanding	understanding	NOUN
easat-7654	48	9	of	of	ADP
easat-7654	48	10	how	how	SCONJ
easat-7654	48	11	online	online	ADJ
easat-7654	48	12	lending	lending	NOUN
easat-7654	48	13	programs	program	NOUN
easat-7654	48	14	function	function	VERB
easat-7654	48	15	,	,	PUNCT
easat-7654	48	16	an	an	DET
easat-7654	48	17	inability	inability	NOUN
easat-7654	48	18	to	to	PART
easat-7654	48	19	manage	manage	VERB
easat-7654	48	20	the	the	DET
easat-7654	48	21	financial	financial	ADJ
easat-7654	48	22	risks	risk	NOUN
easat-7654	48	23	associated	associate	VERB
easat-7654	48	24	with	with	ADP
easat-7654	48	25	borrowing	borrowing	NOUN
easat-7654	48	26	,	,	PUNCT
easat-7654	48	27	and	and	CCONJ
easat-7654	48	28	increased	increase	VERB
easat-7654	48	29	susceptibility	susceptibility	NOUN
easat-7654	48	30	to	to	ADP
easat-7654	48	31	fraud	fraud	VERB
easat-7654	48	32	,	,	PUNCT
easat-7654	48	33	can	can	AUX
easat-7654	48	34	arise	arise	VERB
easat-7654	48	35	from	from	ADP
easat-7654	48	36	a	a	DET
easat-7654	48	37	lack	lack	NOUN
easat-7654	48	38	of	of	ADP
easat-7654	48	39	digital	digital	ADJ
easat-7654	48	40	financial	financial	ADJ
easat-7654	48	41	literacy	literacy	NOUN
easat-7654	49	1	[	[	X
easat-7654	49	2	12	12	NUM
easat-7654	49	3	]	]	PUNCT
easat-7654	49	4	.	.	PUNCT
easat-7654	50	1	before	before	ADP
easat-7654	50	2	using	use	VERB
easat-7654	50	3	online	online	ADJ
easat-7654	50	4	lending	lending	NOUN
easat-7654	50	5	apps	app	NOUN
easat-7654	50	6	,	,	PUNCT
easat-7654	50	7	consumers	consumer	NOUN
easat-7654	50	8	should	should	AUX
easat-7654	50	9	think	think	VERB
easat-7654	50	10	about	about	ADP
easat-7654	50	11	the	the	DET
easat-7654	50	12	hazards	hazard	NOUN
easat-7654	50	13	involved	involve	VERB
easat-7654	50	14	with	with	ADP
easat-7654	50	15	giving	give	VERB
easat-7654	50	16	these	these	DET
easat-7654	50	17	platforms	platform	NOUN
easat-7654	50	18	personal	personal	ADJ
easat-7654	50	19	information	information	NOUN
easat-7654	50	20	like	like	ADP
easat-7654	50	21	their	their	PRON
easat-7654	50	22	name	name	NOUN
easat-7654	50	23	and	and	CCONJ
easat-7654	50	24	i	i	PROPN
easat-7654	50	25	d	d	PROPN
easat-7654	50	26	card	card	NOUN
easat-7654	50	27	.	.	PUNCT
easat-7654	51	1	concerns	concern	NOUN
easat-7654	51	2	with	with	ADP
easat-7654	51	3	user	user	NOUN
easat-7654	51	4	data	datum	NOUN
easat-7654	51	5	security	security	NOUN
easat-7654	51	6	,	,	PUNCT
easat-7654	51	7	including	include	VERB
easat-7654	51	8	whether	whether	SCONJ
easat-7654	51	9	users	user	NOUN
easat-7654	51	10	'	'	PART
easat-7654	51	11	worries	worry	NOUN
easat-7654	51	12	about	about	ADP
easat-7654	51	13	the	the	DET
easat-7654	51	14	security	security	NOUN
easat-7654	51	15	of	of	ADP
easat-7654	51	16	the	the	DET
easat-7654	51	17	data	datum	NOUN
easat-7654	51	18	they	they	PRON
easat-7654	51	19	submit	submit	VERB
easat-7654	51	20	affect	affect	VERB
easat-7654	51	21	their	their	PRON
easat-7654	51	22	choice	choice	NOUN
easat-7654	51	23	to	to	PART
easat-7654	51	24	use	use	VERB
easat-7654	51	25	online	online	ADJ
easat-7654	51	26	lending	lending	NOUN
easat-7654	51	27	services	service	NOUN
easat-7654	51	28	,	,	PUNCT
easat-7654	51	29	as	as	ADV
easat-7654	51	30	well	well	ADV
easat-7654	51	31	as	as	ADP
easat-7654	51	32	issues	issue	NOUN
easat-7654	51	33	with	with	ADP
easat-7654	51	34	the	the	DET
easat-7654	51	35	security	security	NOUN
easat-7654	51	36	of	of	ADP
easat-7654	51	37	the	the	DET
easat-7654	51	38	applications	application	NOUN
easat-7654	51	39	themselves	themselves	PRON
easat-7654	51	40	,	,	PUNCT
easat-7654	51	41	draw	draw	VERB
easat-7654	51	42	attention	attention	NOUN
easat-7654	51	43	to	to	ADP
easat-7654	51	44	security	security	NOUN
easat-7654	51	45	threats	threat	NOUN
easat-7654	51	46	[	[	X
easat-7654	51	47	13	13	NUM
easat-7654	51	48	]	]	PUNCT
easat-7654	51	49	.	.	PUNCT
easat-7654	52	1	university	university	NOUN
easat-7654	52	2	students	student	NOUN
easat-7654	52	3	in	in	ADP
easat-7654	52	4	dki	dki	PROPN
easat-7654	52	5	jakarta	jakarta	PROPN
easat-7654	52	6	who	who	PRON
easat-7654	52	7	have	have	VERB
easat-7654	52	8	urgent	urgent	ADJ
easat-7654	52	9	financial	financial	ADJ
easat-7654	52	10	demands	demand	NOUN
easat-7654	52	11	and	and	CCONJ
easat-7654	52	12	might	might	AUX
easat-7654	52	13	not	not	PART
easat-7654	52	14	have	have	VERB
easat-7654	52	15	access	access	NOUN
easat-7654	52	16	to	to	ADP
easat-7654	52	17	traditional	traditional	ADJ
easat-7654	52	18	banks	bank	NOUN
easat-7654	52	19	because	because	SCONJ
easat-7654	52	20	of	of	ADP
easat-7654	52	21	their	their	PRON
easat-7654	52	22	age	age	NOUN
easat-7654	52	23	or	or	CCONJ
easat-7654	52	24	bad	bad	ADJ
easat-7654	52	25	credit	credit	NOUN
easat-7654	52	26	history	history	NOUN
easat-7654	52	27	are	be	AUX
easat-7654	52	28	among	among	ADP
easat-7654	52	29	the	the	DET
easat-7654	52	30	target	target	NOUN
easat-7654	52	31	consumers	consumer	NOUN
easat-7654	52	32	of	of	ADP
easat-7654	52	33	these	these	DET
easat-7654	52	34	online	online	ADJ
easat-7654	52	35	lending	lending	NOUN
easat-7654	52	36	programs	program	NOUN
easat-7654	52	37	.	.	PUNCT
easat-7654	53	1	students	student	NOUN
easat-7654	53	2	with	with	ADP
easat-7654	53	3	college	college	NOUN
easat-7654	53	4	fees	fee	NOUN
easat-7654	53	5	are	be	AUX
easat-7654	53	6	frequently	frequently	ADV
easat-7654	53	7	the	the	DET
easat-7654	53	8	borrowers	borrower	NOUN
easat-7654	53	9	from	from	ADP
easat-7654	53	10	these	these	DET
easat-7654	53	11	online	online	ADJ
easat-7654	53	12	loan	loan	NOUN
easat-7654	53	13	programs	program	NOUN
easat-7654	53	14	[	[	X
easat-7654	53	15	14	14	NUM
easat-7654	53	16	]	]	PUNCT
easat-7654	53	17	.	.	PUNCT
easat-7654	54	1	the	the	DET
easat-7654	54	2	purpose	purpose	NOUN
easat-7654	54	3	of	of	ADP
easat-7654	54	4	this	this	DET
easat-7654	54	5	study	study	NOUN
easat-7654	54	6	is	be	AUX
easat-7654	54	7	to	to	PART
easat-7654	54	8	examine	examine	VERB
easat-7654	54	9	the	the	DET
easat-7654	54	10	variables	variable	NOUN
easat-7654	54	11	that	that	PRON
easat-7654	54	12	affect	affect	VERB
easat-7654	54	13	the	the	DET
easat-7654	54	14	choice	choice	NOUN
easat-7654	54	15	to	to	PART
easat-7654	54	16	take	take	VERB
easat-7654	54	17	out	out	ADP
easat-7654	54	18	online	online	ADJ
easat-7654	54	19	loans	loan	NOUN
easat-7654	54	20	made	make	VERB
easat-7654	54	21	by	by	ADP
easat-7654	54	22	university	university	NOUN
easat-7654	54	23	students	student	NOUN
easat-7654	54	24	living	live	VERB
easat-7654	54	25	in	in	ADP
easat-7654	54	26	dki	dki	PROPN
easat-7654	54	27	jakarta	jakarta	PROPN
easat-7654	54	28	who	who	PRON
easat-7654	54	29	are	be	AUX
easat-7654	54	30	either	either	CCONJ
easat-7654	54	31	present	present	ADJ
easat-7654	54	32	or	or	CCONJ
easat-7654	54	33	potential	potential	ADJ
easat-7654	54	34	users	user	NOUN
easat-7654	54	35	of	of	ADP
easat-7654	54	36	online	online	ADJ
easat-7654	54	37	lending	lending	NOUN
easat-7654	54	38	apps	app	NOUN
easat-7654	54	39	.	.	PUNCT
easat-7654	55	1	because	because	SCONJ
easat-7654	55	2	it	it	PRON
easat-7654	55	3	can	can	AUX
easat-7654	55	4	explain	explain	VERB
easat-7654	55	5	the	the	DET
easat-7654	55	6	elements	element	NOUN
easat-7654	55	7	impacting	impact	VERB
easat-7654	55	8	acceptability	acceptability	NOUN
easat-7654	55	9	and	and	CCONJ
easat-7654	55	10	consideration	consideration	NOUN
easat-7654	55	11	of	of	ADP
easat-7654	55	12	adopting	adopt	VERB
easat-7654	55	13	online	online	ADJ
easat-7654	55	14	loan	loan	NOUN
easat-7654	55	15	app	app	NOUN
easat-7654	55	16	technology	technology	NOUN
easat-7654	55	17	,	,	PUNCT
easat-7654	55	18	the	the	DET
easat-7654	55	19	utaut	utaut	ADJ
easat-7654	55	20	2	2	NUM
easat-7654	55	21	model	model	NOUN
easat-7654	55	22	serves	serve	VERB
easat-7654	55	23	as	as	ADP
easat-7654	55	24	the	the	DET
easat-7654	55	25	basis	basis	NOUN
easat-7654	55	26	for	for	ADP
easat-7654	55	27	this	this	DET
easat-7654	55	28	study	study	NOUN
easat-7654	55	29	model	model	NOUN
easat-7654	55	30	.	.	PUNCT
easat-7654	56	1	to	to	PART
easat-7654	56	2	make	make	VERB
easat-7654	56	3	this	this	DET
easat-7654	56	4	study	study	NOUN
easat-7654	56	5	special	special	NOUN
easat-7654	56	6	,	,	PUNCT
easat-7654	56	7	the	the	DET
easat-7654	56	8	researchers	researcher	NOUN
easat-7654	56	9	added	add	VERB
easat-7654	56	10	a	a	DET
easat-7654	56	11	novelty	novelty	NOUN
easat-7654	56	12	variable	variable	NOUN
easat-7654	56	13	to	to	ADP
easat-7654	56	14	the	the	DET
easat-7654	56	15	utaut	utaut	ADJ
easat-7654	56	16	2	2	NUM
easat-7654	56	17	model	model	NOUN
easat-7654	56	18	.	.	PUNCT
easat-7654	57	1	the	the	DET
easat-7654	57	2	utaut	utaut	ADJ
easat-7654	57	3	2	2	NUM
easat-7654	57	4	theory	theory	NOUN
easat-7654	57	5	is	be	AUX
easat-7654	57	6	applied	apply	VERB
easat-7654	57	7	in	in	ADP
easat-7654	57	8	this	this	DET
easat-7654	57	9	work	work	NOUN
easat-7654	57	10	since	since	SCONJ
easat-7654	57	11	it	it	PRON
easat-7654	57	12	is	be	AUX
easat-7654	57	13	suitable	suitable	ADJ
easat-7654	57	14	for	for	ADP
easat-7654	57	15	the	the	DET
easat-7654	57	16	research	research	NOUN
easat-7654	57	17	.	.	PUNCT
easat-7654	58	1	utaut	utaut	PROPN
easat-7654	58	2	's	's	PART
easat-7654	58	3	goal	goal	NOUN
easat-7654	58	4	is	be	AUX
easat-7654	58	5	to	to	PART
easat-7654	58	6	predict	predict	VERB
easat-7654	58	7	and	and	CCONJ
easat-7654	58	8	explain	explain	VERB
easat-7654	58	9	the	the	DET
easat-7654	58	10	adoption	adoption	NOUN
easat-7654	58	11	and	and	CCONJ
easat-7654	58	12	use	use	NOUN
easat-7654	58	13	of	of	ADP
easat-7654	58	14	technology	technology	NOUN
easat-7654	58	15	.	.	PUNCT
easat-7654	59	1	the	the	DET
easat-7654	59	2	core	core	NOUN
easat-7654	59	3	concepts	concept	NOUN
easat-7654	59	4	of	of	ADP
easat-7654	59	5	utaut	utaut	ADJ
easat-7654	59	6	—	—	PUNCT
easat-7654	59	7	performance	performance	NOUN
easat-7654	59	8	expectancy	expectancy	NOUN
easat-7654	59	9	,	,	PUNCT
easat-7654	59	10	effort	effort	NOUN
easat-7654	59	11	expectancy	expectancy	NOUN
easat-7654	59	12	,	,	PUNCT
easat-7654	59	13	social	social	ADJ
easat-7654	59	14	influence	influence	NOUN
easat-7654	59	15	,	,	PUNCT
easat-7654	59	16	enabling	enable	VERB
easat-7654	59	17	conditions	condition	NOUN
easat-7654	59	18	,	,	PUNCT
easat-7654	59	19	pricing	pricing	NOUN
easat-7654	59	20	value	value	NOUN
easat-7654	59	21	,	,	PUNCT
easat-7654	59	22	habit	habit	NOUN
easat-7654	59	23	,	,	PUNCT
easat-7654	59	24	and	and	CCONJ
easat-7654	59	25	behavioral	behavioral	ADJ
easat-7654	59	26	intention	intention	NOUN
easat-7654	59	27	—	—	PUNCT
easat-7654	59	28	are	be	AUX
easat-7654	59	29	linked	link	VERB
easat-7654	59	30	to	to	ADP
easat-7654	59	31	the	the	DET
easat-7654	59	32	factors	factor	NOUN
easat-7654	59	33	that	that	PRON
easat-7654	59	34	impact	impact	VERB
easat-7654	59	35	users	user	NOUN
easat-7654	59	36	'	'	PART
easat-7654	59	37	decisions	decision	NOUN
easat-7654	59	38	to	to	PART
easat-7654	59	39	take	take	VERB
easat-7654	59	40	out	out	ADP
easat-7654	59	41	online	online	ADJ
easat-7654	59	42	loans	loan	NOUN
easat-7654	59	43	.	.	PUNCT
easat-7654	60	1	additionally	additionally	ADV
easat-7654	60	2	,	,	PUNCT
easat-7654	60	3	utaut	utaut	PROPN
easat-7654	60	4	has	have	AUX
easat-7654	60	5	been	be	AUX
easat-7654	60	6	extensively	extensively	ADV
easat-7654	60	7	tested	test	VERB
easat-7654	60	8	and	and	CCONJ
easat-7654	60	9	validated	validate	VERB
easat-7654	60	10	in	in	ADP
easat-7654	60	11	a	a	DET
easat-7654	60	12	range	range	NOUN
easat-7654	60	13	of	of	ADP
easat-7654	60	14	research	research	NOUN
easat-7654	60	15	environments	environment	NOUN
easat-7654	60	16	.	.	PUNCT
easat-7654	61	1	the	the	DET
easat-7654	61	2	utaut	utaut	PROPN
easat-7654	61	3	theory	theory	NOUN
easat-7654	61	4	is	be	AUX
easat-7654	61	5	also	also	ADV
easat-7654	61	6	linked	link	VERB
easat-7654	61	7	to	to	ADP
easat-7654	61	8	the	the	DET
easat-7654	61	9	novelty	novelty	NOUN
easat-7654	61	10	factors	factor	NOUN
easat-7654	61	11	of	of	ADP
easat-7654	61	12	digital	digital	ADJ
easat-7654	61	13	financial	financial	ADJ
easat-7654	61	14	literacy	literacy	NOUN
easat-7654	61	15	and	and	CCONJ
easat-7654	61	16	security	security	NOUN
easat-7654	61	17	risk	risk	NOUN
easat-7654	61	18	to	to	PART
easat-7654	61	19	investigate	investigate	VERB
easat-7654	61	20	the	the	DET
easat-7654	61	21	elements	element	NOUN
easat-7654	61	22	that	that	PRON
easat-7654	61	23	users	user	NOUN
easat-7654	61	24	of	of	ADP
easat-7654	61	25	online	online	ADJ
easat-7654	61	26	lending	lending	NOUN
easat-7654	61	27	apps	app	NOUN
easat-7654	61	28	assess	assess	VERB
easat-7654	61	29	.	.	PUNCT
easat-7654	62	1	3136	3136	NUM
easat-7654	62	2	edelweiss	edelweiss	PROPN
easat-7654	62	3	applied	apply	VERB
easat-7654	62	4	science	science	NOUN
easat-7654	62	5	and	and	CCONJ
easat-7654	62	6	technology	technology	NOUN
easat-7654	62	7	issn	issn	PROPN
easat-7654	62	8	:	:	PUNCT
easat-7654	62	9	2576	2576	NUM
easat-7654	62	10	-	-	SYM
easat-7654	62	11	8484	8484	NUM
easat-7654	62	12	vol	vol	NOUN
easat-7654	62	13	.	.	PROPN
easat-7654	63	1	9	9	NUM
easat-7654	63	2	,	,	PUNCT
easat-7654	63	3	no	no	INTJ
easat-7654	63	4	.	.	NOUN
easat-7654	63	5	5	5	NUM
easat-7654	63	6	:	:	SYM
easat-7654	63	7	3134	3134	NUM
easat-7654	63	8	-	-	SYM
easat-7654	63	9	3148	3148	NUM
easat-7654	63	10	,	,	PUNCT
easat-7654	63	11	2025	2025	NUM
easat-7654	63	12	doi	doi	NOUN
easat-7654	63	13	:	:	PUNCT
easat-7654	63	14	10.55214/25768484.v9i5.7654	10.55214/25768484.v9i5.7654	NUM
easat-7654	63	15	©	©	NOUN
easat-7654	63	16	2025	2025	NUM
easat-7654	63	17	by	by	ADP
easat-7654	63	18	the	the	DET
easat-7654	63	19	authors	author	NOUN
easat-7654	63	20	;	;	PUNCT
easat-7654	63	21	licensee	licensee	PROPN
easat-7654	63	22	learning	learning	NOUN
easat-7654	63	23	gate	gate	VERB
easat-7654	63	24	both	both	DET
easat-7654	63	25	current	current	ADJ
easat-7654	63	26	and	and	CCONJ
easat-7654	63	27	potential	potential	ADJ
easat-7654	63	28	users	user	NOUN
easat-7654	63	29	may	may	AUX
easat-7654	63	30	utilize	utilize	VERB
easat-7654	63	31	these	these	DET
easat-7654	63	32	factors	factor	NOUN
easat-7654	63	33	to	to	PART
easat-7654	63	34	support	support	VERB
easat-7654	63	35	their	their	PRON
easat-7654	63	36	decisions	decision	NOUN
easat-7654	63	37	.	.	PUNCT
easat-7654	64	1	digital	digital	ADJ
easat-7654	64	2	financial	financial	ADJ
easat-7654	64	3	literacy	literacy	NOUN
easat-7654	64	4	includes	include	VERB
easat-7654	64	5	knowledge	knowledge	NOUN
easat-7654	64	6	of	of	ADP
easat-7654	64	7	consumer	consumer	NOUN
easat-7654	64	8	rights	right	NOUN
easat-7654	64	9	,	,	PUNCT
easat-7654	64	10	risk	risk	NOUN
easat-7654	64	11	reduction	reduction	NOUN
easat-7654	64	12	strategies	strategy	NOUN
easat-7654	64	13	,	,	PUNCT
easat-7654	64	14	dispute	dispute	NOUN
easat-7654	64	15	resolution	resolution	NOUN
easat-7654	64	16	procedures	procedure	NOUN
easat-7654	64	17	,	,	PUNCT
easat-7654	64	18	and	and	CCONJ
easat-7654	64	19	digital	digital	ADJ
easat-7654	64	20	financial	financial	ADJ
easat-7654	64	21	hazards	hazard	NOUN
easat-7654	64	22	[	[	X
easat-7654	64	23	15	15	NUM
easat-7654	64	24	]	]	PUNCT
easat-7654	64	25	.	.	PUNCT
easat-7654	65	1	security	security	NOUN
easat-7654	65	2	risks	risk	NOUN
easat-7654	65	3	include	include	VERB
easat-7654	65	4	events	event	NOUN
easat-7654	65	5	or	or	CCONJ
easat-7654	65	6	circumstances	circumstance	NOUN
easat-7654	65	7	such	such	ADJ
easat-7654	65	8	as	as	ADP
easat-7654	65	9	data	data	NOUN
easat-7654	65	10	loss	loss	NOUN
easat-7654	65	11	,	,	PUNCT
easat-7654	65	12	misuse	misuse	NOUN
easat-7654	65	13	,	,	PUNCT
easat-7654	65	14	denial	denial	NOUN
easat-7654	65	15	of	of	ADP
easat-7654	65	16	service	service	NOUN
easat-7654	65	17	,	,	PUNCT
easat-7654	65	18	disclosure	disclosure	NOUN
easat-7654	65	19	,	,	PUNCT
easat-7654	65	20	alteration	alteration	NOUN
easat-7654	65	21	,	,	PUNCT
easat-7654	65	22	error	error	NOUN
easat-7654	65	23	,	,	PUNCT
easat-7654	65	24	and	and	CCONJ
easat-7654	65	25	falsification[16	falsification[16	PROPN
easat-7654	65	26	]	]	PUNCT
easat-7654	65	27	.	.	PUNCT
easat-7654	66	1	to	to	PART
easat-7654	66	2	find	find	VERB
easat-7654	66	3	out	out	ADP
easat-7654	66	4	how	how	SCONJ
easat-7654	66	5	people	people	NOUN
easat-7654	66	6	perceive	perceive	VERB
easat-7654	66	7	the	the	DET
easat-7654	66	8	issues	issue	NOUN
easat-7654	66	9	with	with	ADP
easat-7654	66	10	using	use	VERB
easat-7654	66	11	online	online	ADJ
easat-7654	66	12	lending	lending	NOUN
easat-7654	66	13	services	service	NOUN
easat-7654	66	14	,	,	PUNCT
easat-7654	66	15	behavioral	behavioral	ADJ
easat-7654	66	16	intention	intention	NOUN
easat-7654	66	17	is	be	AUX
easat-7654	66	18	being	be	AUX
easat-7654	66	19	used	use	VERB
easat-7654	66	20	.	.	PUNCT
easat-7654	67	1	behavioral	behavioral	ADJ
easat-7654	67	2	intention	intention	NOUN
easat-7654	67	3	,	,	PUNCT
easat-7654	67	4	in	in	ADP
easat-7654	67	5	this	this	DET
easat-7654	67	6	context	context	NOUN
easat-7654	67	7	,	,	PUNCT
easat-7654	67	8	refers	refer	VERB
easat-7654	67	9	to	to	ADP
easat-7654	67	10	an	an	DET
easat-7654	67	11	individual	individual	NOUN
easat-7654	67	12	's	's	PART
easat-7654	67	13	intent	intent	NOUN
easat-7654	67	14	to	to	PART
easat-7654	67	15	use	use	VERB
easat-7654	67	16	an	an	DET
easat-7654	67	17	online	online	ADJ
easat-7654	67	18	lending	lending	NOUN
easat-7654	67	19	application	application	NOUN
easat-7654	67	20	.	.	PUNCT
easat-7654	68	1	users	user	NOUN
easat-7654	68	2	need	need	VERB
easat-7654	68	3	a	a	DET
easat-7654	68	4	basic	basic	ADJ
easat-7654	68	5	understanding	understanding	NOUN
easat-7654	68	6	of	of	ADP
easat-7654	68	7	what	what	PRON
easat-7654	68	8	online	online	ADJ
easat-7654	68	9	lending	lending	NOUN
easat-7654	68	10	applications	application	NOUN
easat-7654	68	11	are	be	AUX
easat-7654	68	12	,	,	PUNCT
easat-7654	68	13	how	how	SCONJ
easat-7654	68	14	they	they	PRON
easat-7654	68	15	work	work	VERB
easat-7654	68	16	,	,	PUNCT
easat-7654	68	17	and	and	CCONJ
easat-7654	68	18	their	their	PRON
easat-7654	68	19	implications	implication	NOUN
easat-7654	68	20	before	before	ADP
easat-7654	68	21	using	use	VERB
easat-7654	68	22	the	the	DET
easat-7654	68	23	service	service	NOUN
easat-7654	68	24	[	[	X
easat-7654	68	25	17	17	NUM
easat-7654	68	26	]	]	PUNCT
easat-7654	68	27	.	.	PUNCT
easat-7654	69	1	therefore	therefore	ADV
easat-7654	69	2	,	,	PUNCT
easat-7654	69	3	this	this	DET
easat-7654	69	4	study	study	NOUN
easat-7654	69	5	is	be	AUX
easat-7654	69	6	limited	limit	VERB
easat-7654	69	7	to	to	ADP
easat-7654	69	8	measuring	measure	VERB
easat-7654	69	9	initial	initial	ADJ
easat-7654	69	10	user	user	NOUN
easat-7654	69	11	intent	intent	NOUN
easat-7654	69	12	and	and	CCONJ
easat-7654	69	13	does	do	AUX
easat-7654	69	14	not	not	PART
easat-7654	69	15	consider	consider	VERB
easat-7654	69	16	external	external	ADJ
easat-7654	69	17	factors	factor	NOUN
easat-7654	69	18	that	that	PRON
easat-7654	69	19	may	may	AUX
easat-7654	69	20	influence	influence	VERB
easat-7654	69	21	actual	actual	ADJ
easat-7654	69	22	behavior	behavior	NOUN
easat-7654	69	23	.	.	PUNCT
easat-7654	70	1	several	several	ADJ
easat-7654	70	2	previous	previous	ADJ
easat-7654	70	3	studies	study	NOUN
easat-7654	70	4	have	have	AUX
easat-7654	70	5	been	be	AUX
easat-7654	70	6	conducted	conduct	VERB
easat-7654	70	7	on	on	ADP
easat-7654	70	8	online	online	ADJ
easat-7654	70	9	lending	lending	NOUN
easat-7654	70	10	applications	application	NOUN
easat-7654	70	11	,	,	PUNCT
easat-7654	70	12	and	and	CCONJ
easat-7654	70	13	this	this	DET
easat-7654	70	14	research	research	NOUN
easat-7654	70	15	builds	build	VERB
easat-7654	70	16	upon	upon	SCONJ
easat-7654	70	17	these	these	DET
easat-7654	70	18	studies	study	NOUN
easat-7654	70	19	.	.	PUNCT
easat-7654	71	1	some	some	PRON
easat-7654	71	2	of	of	ADP
easat-7654	71	3	these	these	DET
easat-7654	71	4	studies	study	NOUN
easat-7654	71	5	include	include	VERB
easat-7654	71	6	"	"	PUNCT
easat-7654	71	7	what	what	PRON
easat-7654	71	8	are	be	AUX
easat-7654	71	9	the	the	DET
easat-7654	71	10	leading	lead	VERB
easat-7654	71	11	factors	factor	NOUN
easat-7654	71	12	for	for	ADP
easat-7654	71	13	using	use	VERB
easat-7654	71	14	spanish	spanish	ADJ
easat-7654	71	15	peer	peer	NOUN
easat-7654	71	16	-	-	PUNCT
easat-7654	71	17	to	to	ADP
easat-7654	71	18	-	-	PUNCT
easat-7654	71	19	peer	peer	NOUN
easat-7654	71	20	mobile	mobile	ADJ
easat-7654	71	21	payment	payment	NOUN
easat-7654	71	22	platform	platform	NOUN
easat-7654	71	23	bizum	bizum	PROPN
easat-7654	71	24	?	?	PUNCT
easat-7654	72	1	the	the	DET
easat-7654	72	2	applied	apply	VERB
easat-7654	72	3	analysis	analysis	NOUN
easat-7654	72	4	of	of	ADP
easat-7654	72	5	the	the	DET
easat-7654	72	6	utaut2	utaut2	PROPN
easat-7654	72	7	model	model	PROPN
easat-7654	72	8	"	"	PUNCT
easat-7654	72	9	[	[	X
easat-7654	72	10	18	18	NUM
easat-7654	72	11	]	]	PUNCT
easat-7654	72	12	"	"	PUNCT
easat-7654	72	13	analysis	analysis	NOUN
easat-7654	72	14	of	of	ADP
easat-7654	72	15	financial	financial	ADJ
easat-7654	72	16	technology	technology	NOUN
easat-7654	72	17	acceptance	acceptance	NOUN
easat-7654	72	18	of	of	ADP
easat-7654	72	19	peer	peer	NOUN
easat-7654	72	20	to	to	ADP
easat-7654	72	21	peer	peer	NOUN
easat-7654	72	22	lending	lending	NOUN
easat-7654	72	23	(	(	PUNCT
easat-7654	72	24	p2p	p2p	NOUN
easat-7654	72	25	lending	lending	NOUN
easat-7654	72	26	)	)	PUNCT
easat-7654	72	27	using	use	VERB
easat-7654	72	28	extended	extended	ADJ
easat-7654	72	29	technology	technology	NOUN
easat-7654	72	30	acceptance	acceptance	NOUN
easat-7654	72	31	model	model	NOUN
easat-7654	72	32	(	(	PUNCT
easat-7654	72	33	tam	tam	NOUN
easat-7654	72	34	)	)	PUNCT
easat-7654	72	35	"	"	PUNCT
easat-7654	73	1	[	[	X
easat-7654	73	2	17	17	NUM
easat-7654	73	3	]	]	PUNCT
easat-7654	73	4	"	"	PUNCT
easat-7654	73	5	factor	factor	NOUN
easat-7654	73	6	influencing	influence	VERB
easat-7654	73	7	continuation	continuation	NOUN
easat-7654	73	8	intention	intention	NOUN
easat-7654	73	9	of	of	ADP
easat-7654	73	10	using	use	VERB
easat-7654	73	11	fintech	fintech	NOUN
easat-7654	73	12	from	from	ADP
easat-7654	73	13	the	the	DET
easat-7654	73	14	users	user	NOUN
easat-7654	73	15	’	’	PART
easat-7654	73	16	perspectives	perspective	NOUN
easat-7654	73	17	:	:	PUNCT
easat-7654	73	18	testing	testing	NOUN
easat-7654	73	19	of	of	ADP
easat-7654	73	20	unified	unified	ADJ
easat-7654	73	21	theory	theory	NOUN
easat-7654	73	22	of	of	ADP
easat-7654	73	23	acceptance	acceptance	NOUN
easat-7654	73	24	and	and	CCONJ
easat-7654	73	25	use	use	NOUN
easat-7654	73	26	of	of	ADP
easat-7654	73	27	technology	technology	NOUN
easat-7654	73	28	(	(	PUNCT
easat-7654	73	29	utaut2	utaut2	NOUN
easat-7654	73	30	)	)	PUNCT
easat-7654	73	31	"	"	PUNCT
easat-7654	74	1	[	[	X
easat-7654	74	2	12	12	NUM
easat-7654	74	3	]	]	PUNCT
easat-7654	74	4	,	,	PUNCT
easat-7654	74	5	"	"	PUNCT
easat-7654	74	6	in	in	ADP
easat-7654	74	7	quest	quest	NOUN
easat-7654	74	8	of	of	ADP
easat-7654	74	9	perceived	perceive	VERB
easat-7654	74	10	risk	risk	NOUN
easat-7654	74	11	determinants	determinant	NOUN
easat-7654	74	12	affecting	affect	VERB
easat-7654	74	13	intention	intention	NOUN
easat-7654	74	14	to	to	PART
easat-7654	74	15	use	use	VERB
easat-7654	74	16	fintech	fintech	NOUN
easat-7654	74	17	:	:	PUNCT
easat-7654	74	18	moderating	moderate	VERB
easat-7654	74	19	effects	effect	NOUN
easat-7654	74	20	of	of	ADP
easat-7654	74	21	effects	effect	NOUN
easat-7654	74	22	of	of	ADP
easat-7654	74	23	situational	situational	ADJ
easat-7654	74	24	factors	factor	NOUN
easat-7654	74	25	"	"	PUNCT
easat-7654	75	1	[	[	X
easat-7654	75	2	19	19	NUM
easat-7654	75	3	]	]	PUNCT
easat-7654	75	4	and	and	CCONJ
easat-7654	75	5	"	"	PUNCT
easat-7654	75	6	factors	factor	NOUN
easat-7654	75	7	influencing	influence	VERB
easat-7654	75	8	fintech	fintech	NOUN
easat-7654	75	9	adoption	adoption	NOUN
easat-7654	75	10	for	for	ADP
easat-7654	75	11	women	woman	NOUN
easat-7654	75	12	in	in	ADP
easat-7654	75	13	the	the	DET
easat-7654	75	14	postcovid-19	postcovid-19	PROPN
easat-7654	75	15	pandemic	pandemic	NOUN
easat-7654	75	16	"	"	PUNCT
easat-7654	75	17	[	[	X
easat-7654	75	18	13	13	NUM
easat-7654	75	19	]	]	PUNCT
easat-7654	75	20	.	.	PUNCT
easat-7654	76	1	previous	previous	ADJ
easat-7654	76	2	studies	study	NOUN
easat-7654	76	3	have	have	AUX
easat-7654	76	4	extensively	extensively	ADV
easat-7654	76	5	discussed	discuss	VERB
easat-7654	76	6	the	the	DET
easat-7654	76	7	factors	factor	NOUN
easat-7654	76	8	influencing	influence	VERB
easat-7654	76	9	users	user	NOUN
easat-7654	76	10	in	in	ADP
easat-7654	76	11	adopting	adopt	VERB
easat-7654	76	12	online	online	ADJ
easat-7654	76	13	lending	lending	NOUN
easat-7654	76	14	applications	application	NOUN
easat-7654	76	15	using	use	VERB
easat-7654	76	16	specific	specific	ADJ
easat-7654	76	17	research	research	NOUN
easat-7654	76	18	models	model	NOUN
easat-7654	76	19	,	,	PUNCT
easat-7654	76	20	such	such	ADJ
easat-7654	76	21	as	as	ADP
easat-7654	76	22	utaut	utaut	NOUN
easat-7654	76	23	1	1	NUM
easat-7654	76	24	,	,	PUNCT
easat-7654	76	25	utaut	utaut	NOUN
easat-7654	76	26	2	2	NUM
easat-7654	76	27	,	,	PUNCT
easat-7654	76	28	and	and	CCONJ
easat-7654	76	29	tam	tam	PROPN
easat-7654	76	30	.	.	PUNCT
easat-7654	77	1	however	however	ADV
easat-7654	77	2	,	,	PUNCT
easat-7654	77	3	based	base	VERB
easat-7654	77	4	on	on	ADP
easat-7654	77	5	previous	previous	ADJ
easat-7654	77	6	journals	journal	NOUN
easat-7654	77	7	,	,	PUNCT
easat-7654	77	8	it	it	PRON
easat-7654	77	9	is	be	AUX
easat-7654	77	10	not	not	PART
easat-7654	77	11	common	common	ADJ
easat-7654	77	12	to	to	PART
easat-7654	77	13	discuss	discuss	VERB
easat-7654	77	14	online	online	ADJ
easat-7654	77	15	lending	lending	NOUN
easat-7654	77	16	applications	application	NOUN
easat-7654	77	17	specifically	specifically	ADV
easat-7654	77	18	with	with	ADP
easat-7654	77	19	the	the	DET
easat-7654	77	20	variables	variable	NOUN
easat-7654	77	21	of	of	ADP
easat-7654	77	22	digital	digital	ADJ
easat-7654	77	23	financial	financial	ADJ
easat-7654	77	24	literacy	literacy	NOUN
easat-7654	77	25	and	and	CCONJ
easat-7654	77	26	security	security	NOUN
easat-7654	77	27	risk	risk	NOUN
easat-7654	77	28	.	.	PUNCT
easat-7654	78	1	although	although	SCONJ
easat-7654	78	2	there	there	PRON
easat-7654	78	3	are	be	VERB
easat-7654	78	4	some	some	DET
easat-7654	78	5	previous	previous	ADJ
easat-7654	78	6	studies	study	NOUN
easat-7654	78	7	that	that	PRON
easat-7654	78	8	have	have	AUX
easat-7654	78	9	discussed	discuss	VERB
easat-7654	78	10	the	the	DET
easat-7654	78	11	factors	factor	NOUN
easat-7654	78	12	that	that	PRON
easat-7654	78	13	users	user	NOUN
easat-7654	78	14	consider	consider	VERB
easat-7654	78	15	when	when	SCONJ
easat-7654	78	16	taking	take	VERB
easat-7654	78	17	out	out	ADP
easat-7654	78	18	online	online	ADJ
easat-7654	78	19	loans	loan	NOUN
easat-7654	78	20	,	,	PUNCT
easat-7654	78	21	this	this	PRON
easat-7654	78	22	is	be	AUX
easat-7654	78	23	because	because	SCONJ
easat-7654	78	24	the	the	DET
easat-7654	78	25	fintech	fintech	NOUN
easat-7654	78	26	industry	industry	NOUN
easat-7654	78	27	is	be	AUX
easat-7654	78	28	constantly	constantly	ADV
easat-7654	78	29	evolving	evolve	VERB
easat-7654	78	30	with	with	ADP
easat-7654	78	31	the	the	DET
easat-7654	78	32	implementation	implementation	NOUN
easat-7654	78	33	of	of	ADP
easat-7654	78	34	new	new	ADJ
easat-7654	78	35	technologies	technology	NOUN
easat-7654	78	36	and	and	CCONJ
easat-7654	78	37	user	user	NOUN
easat-7654	78	38	behavior	behavior	NOUN
easat-7654	78	39	is	be	AUX
easat-7654	78	40	constantly	constantly	ADV
easat-7654	78	41	changing	change	VERB
easat-7654	78	42	.	.	PUNCT
easat-7654	79	1	the	the	DET
easat-7654	79	2	factors	factor	NOUN
easat-7654	79	3	of	of	ADP
easat-7654	79	4	digital	digital	ADJ
easat-7654	79	5	financial	financial	ADJ
easat-7654	79	6	literacy	literacy	NOUN
easat-7654	79	7	and	and	CCONJ
easat-7654	79	8	security	security	NOUN
easat-7654	79	9	risk	risk	NOUN
easat-7654	79	10	play	play	VERB
easat-7654	79	11	a	a	DET
easat-7654	79	12	role	role	NOUN
easat-7654	79	13	for	for	ADP
easat-7654	79	14	users	user	NOUN
easat-7654	79	15	when	when	SCONJ
easat-7654	79	16	they	they	PRON
easat-7654	79	17	are	be	AUX
easat-7654	79	18	in	in	ADP
easat-7654	79	19	a	a	DET
easat-7654	79	20	pressing	press	VERB
easat-7654	79	21	situation	situation	NOUN
easat-7654	79	22	to	to	PART
easat-7654	79	23	take	take	VERB
easat-7654	79	24	out	out	ADP
easat-7654	79	25	an	an	DET
easat-7654	79	26	online	online	ADJ
easat-7654	79	27	loan	loan	NOUN
easat-7654	79	28	,	,	PUNCT
easat-7654	79	29	and	and	CCONJ
easat-7654	79	30	this	this	DET
easat-7654	79	31	research	research	NOUN
easat-7654	79	32	will	will	AUX
easat-7654	79	33	provide	provide	VERB
easat-7654	79	34	new	new	ADJ
easat-7654	79	35	insights	insight	NOUN
easat-7654	79	36	into	into	ADP
easat-7654	79	37	their	their	PRON
easat-7654	79	38	impact	impact	NOUN
easat-7654	79	39	,	,	PUNCT
easat-7654	79	40	as	as	SCONJ
easat-7654	79	41	understanding	understand	VERB
easat-7654	79	42	these	these	DET
easat-7654	79	43	factors	factor	NOUN
easat-7654	79	44	can	can	AUX
easat-7654	79	45	prevent	prevent	VERB
easat-7654	79	46	impulsive	impulsive	ADJ
easat-7654	79	47	decisions	decision	NOUN
easat-7654	79	48	,	,	PUNCT
easat-7654	79	49	protect	protect	VERB
easat-7654	79	50	consumers	consumer	NOUN
easat-7654	79	51	,	,	PUNCT
easat-7654	79	52	and	and	CCONJ
easat-7654	79	53	promote	promote	VERB
easat-7654	79	54	financial	financial	ADJ
easat-7654	79	55	inclusion	inclusion	NOUN
easat-7654	79	56	.	.	PUNCT
easat-7654	80	1	based	base	VERB
easat-7654	80	2	on	on	ADP
easat-7654	80	3	the	the	DET
easat-7654	80	4	background	background	NOUN
easat-7654	80	5	above	above	ADV
easat-7654	80	6	,	,	PUNCT
easat-7654	80	7	the	the	DET
easat-7654	80	8	researcher	researcher	NOUN
easat-7654	80	9	is	be	AUX
easat-7654	80	10	interested	interested	ADJ
easat-7654	80	11	in	in	ADP
easat-7654	80	12	conducting	conduct	VERB
easat-7654	80	13	research	research	NOUN
easat-7654	80	14	titled	title	VERB
easat-7654	80	15	"	"	PUNCT
easat-7654	80	16	analysis	analysis	NOUN
easat-7654	80	17	of	of	ADP
easat-7654	80	18	factors	factor	NOUN
easat-7654	80	19	affecting	affect	VERB
easat-7654	80	20	the	the	DET
easat-7654	80	21	use	use	NOUN
easat-7654	80	22	of	of	ADP
easat-7654	80	23	online	online	ADJ
easat-7654	80	24	lending	lending	NOUN
easat-7654	80	25	applications	application	NOUN
easat-7654	80	26	among	among	ADP
easat-7654	80	27	university	university	NOUN
easat-7654	80	28	students	student	NOUN
easat-7654	80	29	in	in	ADP
easat-7654	80	30	dki	dki	PROPN
easat-7654	80	31	jakarta	jakarta	PROPN
easat-7654	80	32	"	"	PUNCT
easat-7654	80	33	.	.	PUNCT
easat-7654	81	1	this	this	DET
easat-7654	81	2	title	title	NOUN
easat-7654	81	3	is	be	AUX
easat-7654	81	4	investigated	investigate	VERB
easat-7654	81	5	to	to	PART
easat-7654	81	6	answer	answer	VERB
easat-7654	81	7	the	the	DET
easat-7654	81	8	research	research	NOUN
easat-7654	81	9	question	question	NOUN
easat-7654	81	10	:	:	PUNCT
easat-7654	81	11	what	what	PRON
easat-7654	81	12	are	be	AUX
easat-7654	81	13	the	the	DET
easat-7654	81	14	factors	factor	NOUN
easat-7654	81	15	that	that	PRON
easat-7654	81	16	can	can	AUX
easat-7654	81	17	influence	influence	VERB
easat-7654	81	18	users	user	NOUN
easat-7654	81	19	in	in	ADP
easat-7654	81	20	their	their	PRON
easat-7654	81	21	desire	desire	NOUN
easat-7654	81	22	to	to	PART
easat-7654	81	23	use	use	VERB
easat-7654	81	24	online	online	ADJ
easat-7654	81	25	loan	loan	NOUN
easat-7654	81	26	services	service	NOUN
easat-7654	81	27	?	?	PUNCT
easat-7654	82	1	it	it	PRON
easat-7654	82	2	is	be	AUX
easat-7654	82	3	hoped	hope	VERB
easat-7654	82	4	that	that	SCONJ
easat-7654	82	5	this	this	DET
easat-7654	82	6	research	research	NOUN
easat-7654	82	7	can	can	AUX
easat-7654	82	8	provide	provide	VERB
easat-7654	82	9	input	input	NOUN
easat-7654	82	10	to	to	ADP
easat-7654	82	11	service	service	NOUN
easat-7654	82	12	providers	provider	NOUN
easat-7654	82	13	to	to	PART
easat-7654	82	14	improve	improve	VERB
easat-7654	82	15	their	their	PRON
easat-7654	82	16	services	service	NOUN
easat-7654	82	17	to	to	ADP
easat-7654	82	18	both	both	CCONJ
easat-7654	82	19	current	current	ADJ
easat-7654	82	20	and	and	CCONJ
easat-7654	82	21	potential	potential	ADJ
easat-7654	82	22	users	user	NOUN
easat-7654	82	23	of	of	ADP
easat-7654	82	24	online	online	ADJ
easat-7654	82	25	lending	lending	NOUN
easat-7654	82	26	applications	application	NOUN
easat-7654	82	27	.	.	PUNCT
easat-7654	83	1	2	2	X
easat-7654	83	2	.	.	X
easat-7654	83	3	literature	literature	NOUN
easat-7654	83	4	review	review	VERB
easat-7654	83	5	2.1	2.1	NUM
easat-7654	83	6	.	.	PUNCT
easat-7654	84	1	financial	financial	ADJ
easat-7654	84	2	technology	technology	NOUN
easat-7654	84	3	fintech	fintech	NOUN
easat-7654	84	4	is	be	AUX
easat-7654	84	5	a	a	DET
easat-7654	84	6	term	term	NOUN
easat-7654	84	7	used	use	VERB
easat-7654	84	8	to	to	PART
easat-7654	84	9	describe	describe	VERB
easat-7654	84	10	software	software	NOUN
easat-7654	84	11	-	-	PUNCT
easat-7654	84	12	based	base	VERB
easat-7654	84	13	technology	technology	NOUN
easat-7654	84	14	aimed	aim	VERB
easat-7654	84	15	at	at	ADP
easat-7654	84	16	providing	provide	VERB
easat-7654	84	17	various	various	ADJ
easat-7654	84	18	financial	financial	ADJ
easat-7654	84	19	services	service	NOUN
easat-7654	84	20	with	with	ADP
easat-7654	84	21	easy	easy	ADJ
easat-7654	84	22	and	and	CCONJ
easat-7654	84	23	quick	quick	ADJ
easat-7654	84	24	access	access	NOUN
easat-7654	84	25	in	in	ADP
easat-7654	84	26	various	various	ADJ
easat-7654	84	27	forms	form	NOUN
easat-7654	84	28	,	,	PUNCT
easat-7654	84	29	such	such	ADJ
easat-7654	84	30	as	as	ADP
easat-7654	84	31	online	online	ADJ
easat-7654	84	32	banking	banking	NOUN
easat-7654	84	33	,	,	PUNCT
easat-7654	84	34	mobile	mobile	ADJ
easat-7654	84	35	payment	payment	NOUN
easat-7654	84	36	applications	application	NOUN
easat-7654	84	37	,	,	PUNCT
easat-7654	84	38	or	or	CCONJ
easat-7654	84	39	even	even	ADV
easat-7654	84	40	cryptocurrencies	cryptocurrencie	NOUN
easat-7654	84	41	[	[	X
easat-7654	84	42	20	20	NUM
easat-7654	84	43	]	]	PUNCT
easat-7654	84	44	.	.	PUNCT
easat-7654	85	1	in	in	ADP
easat-7654	85	2	other	other	ADJ
easat-7654	85	3	words	word	NOUN
easat-7654	85	4	,	,	PUNCT
easat-7654	85	5	fintech	fintech	NOUN
easat-7654	85	6	is	be	AUX
easat-7654	85	7	an	an	DET
easat-7654	85	8	innovative	innovative	ADJ
easat-7654	85	9	,	,	PUNCT
easat-7654	85	10	technology	technology	NOUN
easat-7654	85	11	-	-	PUNCT
easat-7654	85	12	based	base	VERB
easat-7654	85	13	financial	financial	ADJ
easat-7654	85	14	service	service	NOUN
easat-7654	85	15	.	.	PUNCT
easat-7654	86	1	fintech	fintech	NOUN
easat-7654	86	2	is	be	AUX
easat-7654	86	3	also	also	ADV
easat-7654	86	4	used	use	VERB
easat-7654	86	5	to	to	PART
easat-7654	86	6	describe	describe	VERB
easat-7654	86	7	various	various	ADJ
easat-7654	86	8	innovations	innovation	NOUN
easat-7654	86	9	for	for	ADP
easat-7654	86	10	business	business	NOUN
easat-7654	86	11	efforts	effort	NOUN
easat-7654	86	12	in	in	ADP
easat-7654	86	13	the	the	DET
easat-7654	86	14	process	process	NOUN
easat-7654	86	15	,	,	PUNCT
easat-7654	86	16	delivery	delivery	NOUN
easat-7654	86	17	,	,	PUNCT
easat-7654	86	18	and	and	CCONJ
easat-7654	86	19	use	use	NOUN
easat-7654	86	20	of	of	ADP
easat-7654	86	21	financial	financial	ADJ
easat-7654	86	22	services	service	NOUN
easat-7654	87	1	[	[	X
easat-7654	87	2	21	21	NUM
easat-7654	87	3	]	]	PUNCT
easat-7654	87	4	.	.	PUNCT
easat-7654	88	1	the	the	DET
easat-7654	88	2	use	use	NOUN
easat-7654	88	3	of	of	ADP
easat-7654	88	4	fintech	fintech	NOUN
easat-7654	88	5	is	be	AUX
easat-7654	88	6	driven	drive	VERB
easat-7654	88	7	by	by	ADP
easat-7654	88	8	the	the	DET
easat-7654	88	9	unmet	unmet	NOUN
easat-7654	88	10	needs	need	NOUN
easat-7654	88	11	of	of	ADP
easat-7654	88	12	users	user	NOUN
easat-7654	88	13	for	for	ADP
easat-7654	88	14	financial	financial	ADJ
easat-7654	88	15	services	service	NOUN
easat-7654	88	16	.	.	PUNCT
easat-7654	89	1	it	it	PRON
easat-7654	89	2	is	be	AUX
easat-7654	89	3	hoped	hope	VERB
easat-7654	89	4	that	that	SCONJ
easat-7654	89	5	by	by	ADP
easat-7654	89	6	adopting	adopt	VERB
easat-7654	89	7	fintech	fintech	NOUN
easat-7654	89	8	,	,	PUNCT
easat-7654	89	9	financial	financial	ADJ
easat-7654	89	10	inclusion	inclusion	NOUN
easat-7654	89	11	can	can	AUX
easat-7654	89	12	be	be	AUX
easat-7654	89	13	increased	increase	VERB
easat-7654	89	14	.	.	PUNCT
easat-7654	90	1	additionally	additionally	ADV
easat-7654	90	2	,	,	PUNCT
easat-7654	90	3	the	the	DET
easat-7654	90	4	adoption	adoption	NOUN
easat-7654	90	5	of	of	ADP
easat-7654	90	6	fintech	fintech	NOUN
easat-7654	90	7	is	be	AUX
easat-7654	90	8	also	also	ADV
easat-7654	90	9	influenced	influence	VERB
easat-7654	90	10	by	by	ADP
easat-7654	90	11	high	high	ADJ
easat-7654	90	12	financial	financial	ADJ
easat-7654	90	13	costs	cost	NOUN
easat-7654	90	14	,	,	PUNCT
easat-7654	90	15	supportive	supportive	ADJ
easat-7654	90	16	regulations	regulation	NOUN
easat-7654	90	17	,	,	PUNCT
easat-7654	90	18	and	and	CCONJ
easat-7654	90	19	other	other	ADJ
easat-7654	90	20	factors	factor	NOUN
easat-7654	90	21	,	,	PUNCT
easat-7654	90	22	especially	especially	ADV
easat-7654	90	23	macroeconomic	macroeconomic	ADJ
easat-7654	90	24	conditions	condition	NOUN
easat-7654	90	25	[	[	X
easat-7654	90	26	22	22	NUM
easat-7654	90	27	]	]	PUNCT
easat-7654	90	28	.	.	PUNCT
easat-7654	91	1	2.2	2.2	NUM
easat-7654	91	2	.	.	PUNCT
easat-7654	92	1	online	online	ADJ
easat-7654	92	2	loans	loan	NOUN
easat-7654	92	3	online	online	ADJ
easat-7654	92	4	loans	loan	NOUN
easat-7654	92	5	are	be	AUX
easat-7654	92	6	direct	direct	ADJ
easat-7654	92	7	lending	lending	NOUN
easat-7654	92	8	processes	process	NOUN
easat-7654	92	9	agreed	agree	VERB
easat-7654	92	10	upon	upon	SCONJ
easat-7654	92	11	by	by	ADP
easat-7654	92	12	lenders	lender	NOUN
easat-7654	92	13	and	and	CCONJ
easat-7654	92	14	borrowers	borrower	NOUN
easat-7654	92	15	through	through	ADP
easat-7654	92	16	online	online	ADJ
easat-7654	92	17	lending	lending	NOUN
easat-7654	92	18	platforms	platform	NOUN
easat-7654	92	19	,	,	PUNCT
easat-7654	92	20	which	which	PRON
easat-7654	92	21	are	be	AUX
easat-7654	92	22	usually	usually	ADV
easat-7654	92	23	app	app	ADJ
easat-7654	92	24	-	-	PUNCT
easat-7654	92	25	based	base	VERB
easat-7654	92	26	.	.	PUNCT
easat-7654	93	1	online	online	ADJ
easat-7654	93	2	loans	loan	NOUN
easat-7654	93	3	represent	represent	VERB
easat-7654	93	4	a	a	DET
easat-7654	93	5	new	new	ADJ
easat-7654	93	6	breakthrough	breakthrough	NOUN
easat-7654	93	7	that	that	PRON
easat-7654	93	8	signifies	signify	VERB
easat-7654	93	9	innovation	innovation	NOUN
easat-7654	93	10	in	in	ADP
easat-7654	93	11	the	the	DET
easat-7654	93	12	financial	financial	ADJ
easat-7654	93	13	sector	sector	NOUN
easat-7654	93	14	,	,	PUNCT
easat-7654	93	15	namely	namely	ADV
easat-7654	93	16	the	the	DET
easat-7654	93	17	combination	combination	NOUN
easat-7654	93	18	of	of	ADP
easat-7654	93	19	internet	internet	NOUN
easat-7654	93	20	technology	technology	NOUN
easat-7654	93	21	and	and	CCONJ
easat-7654	93	22	private	private	ADJ
easat-7654	93	23	lending	lending	NOUN
easat-7654	93	24	[	[	X
easat-7654	93	25	23	23	NUM
easat-7654	93	26	-	-	SYM
easat-7654	93	27	27	27	NUM
easat-7654	93	28	]	]	PUNCT
easat-7654	93	29	.	.	PUNCT
easat-7654	94	1	basically	basically	ADV
easat-7654	94	2	,	,	PUNCT
easat-7654	94	3	app	app	X
easat-7654	94	4	-	-	PUNCT
easat-7654	94	5	based	base	VERB
easat-7654	94	6	online	online	ADJ
easat-7654	94	7	loans	loan	NOUN
easat-7654	94	8	are	be	AUX
easat-7654	94	9	the	the	DET
easat-7654	94	10	same	same	ADJ
easat-7654	94	11	type	type	NOUN
easat-7654	94	12	of	of	ADP
easat-7654	94	13	loan	loan	NOUN
easat-7654	94	14	as	as	ADP
easat-7654	94	15	conventional	conventional	ADJ
easat-7654	94	16	loans	loan	NOUN
easat-7654	94	17	from	from	ADP
easat-7654	94	18	3137	3137	NUM
easat-7654	94	19	edelweiss	edelweiss	PROPN
easat-7654	94	20	applied	apply	VERB
easat-7654	94	21	science	science	NOUN
easat-7654	94	22	and	and	CCONJ
easat-7654	94	23	technology	technology	NOUN
easat-7654	94	24	issn	issn	PROPN
easat-7654	94	25	:	:	PUNCT
easat-7654	94	26	2576	2576	NUM
easat-7654	94	27	-	-	SYM
easat-7654	94	28	8484	8484	NUM
easat-7654	94	29	vol	vol	NOUN
easat-7654	94	30	.	.	PROPN
easat-7654	95	1	9	9	NUM
easat-7654	95	2	,	,	PUNCT
easat-7654	95	3	no	no	INTJ
easat-7654	95	4	.	.	NOUN
easat-7654	95	5	5	5	NUM
easat-7654	95	6	:	:	SYM
easat-7654	95	7	3134	3134	NUM
easat-7654	95	8	-	-	SYM
easat-7654	95	9	3148	3148	NUM
easat-7654	95	10	,	,	PUNCT
easat-7654	95	11	2025	2025	NUM
easat-7654	95	12	doi	doi	NOUN
easat-7654	95	13	:	:	PUNCT
easat-7654	95	14	10.55214/25768484.v9i5.7654	10.55214/25768484.v9i5.7654	NUM
easat-7654	95	15	©	©	NOUN
easat-7654	95	16	2025	2025	NUM
easat-7654	95	17	by	by	ADP
easat-7654	95	18	the	the	DET
easat-7654	95	19	authors	author	NOUN
easat-7654	95	20	;	;	PUNCT
easat-7654	95	21	licensee	licensee	PROPN
easat-7654	95	22	learning	learning	NOUN
easat-7654	95	23	gate	gate	VERB
easat-7654	95	24	traditional	traditional	ADJ
easat-7654	95	25	banks	bank	NOUN
easat-7654	95	26	.	.	PUNCT
easat-7654	96	1	the	the	DET
easat-7654	96	2	main	main	ADJ
easat-7654	96	3	difference	difference	NOUN
easat-7654	96	4	is	be	AUX
easat-7654	96	5	that	that	SCONJ
easat-7654	96	6	online	online	ADJ
easat-7654	96	7	lending	lending	NOUN
easat-7654	96	8	services	service	NOUN
easat-7654	96	9	use	use	VERB
easat-7654	96	10	information	information	NOUN
easat-7654	96	11	technology	technology	NOUN
easat-7654	96	12	provided	provide	VERB
easat-7654	96	13	by	by	ADP
easat-7654	96	14	the	the	DET
easat-7654	96	15	service	service	NOUN
easat-7654	96	16	providers	provider	NOUN
easat-7654	96	17	,	,	PUNCT
easat-7654	96	18	commonly	commonly	ADV
easat-7654	96	19	known	know	VERB
easat-7654	96	20	as	as	ADP
easat-7654	96	21	financial	financial	ADJ
easat-7654	96	22	technology	technology	NOUN
easat-7654	96	23	(	(	PUNCT
easat-7654	96	24	fintech	fintech	NOUN
easat-7654	96	25	)	)	PUNCT
easat-7654	97	1	[	[	X
easat-7654	97	2	28	28	NUM
easat-7654	97	3	]	]	PUNCT
easat-7654	97	4	.	.	PUNCT
easat-7654	98	1	2.3	2.3	NUM
easat-7654	98	2	.	.	PUNCT
easat-7654	99	1	utaut	utaut	PROPN
easat-7654	99	2	theory	theory	NOUN
easat-7654	99	3	the	the	DET
easat-7654	99	4	unified	unified	ADJ
easat-7654	99	5	theory	theory	NOUN
easat-7654	99	6	of	of	ADP
easat-7654	99	7	acceptance	acceptance	NOUN
easat-7654	99	8	and	and	CCONJ
easat-7654	99	9	use	use	NOUN
easat-7654	99	10	of	of	ADP
easat-7654	99	11	technology	technology	NOUN
easat-7654	99	12	(	(	PUNCT
easat-7654	99	13	utaut	utaut	PROPN
easat-7654	99	14	)	)	PUNCT
easat-7654	99	15	is	be	AUX
easat-7654	99	16	a	a	DET
easat-7654	99	17	theory	theory	NOUN
easat-7654	99	18	constructed	construct	VERB
easat-7654	99	19	to	to	PART
easat-7654	99	20	explain	explain	VERB
easat-7654	99	21	behaviors	behavior	NOUN
easat-7654	99	22	related	relate	VERB
easat-7654	99	23	to	to	ADP
easat-7654	99	24	the	the	DET
easat-7654	99	25	use	use	NOUN
easat-7654	99	26	of	of	ADP
easat-7654	99	27	information	information	NOUN
easat-7654	99	28	technology	technology	NOUN
easat-7654	99	29	.	.	PUNCT
easat-7654	100	1	utaut	utaut	PROPN
easat-7654	100	2	is	be	AUX
easat-7654	100	3	a	a	DET
easat-7654	100	4	combination	combination	NOUN
easat-7654	100	5	of	of	ADP
easat-7654	100	6	8	8	NUM
easat-7654	100	7	previous	previous	ADJ
easat-7654	100	8	models	model	NOUN
easat-7654	100	9	,	,	PUNCT
easat-7654	100	10	unified	unify	VERB
easat-7654	100	11	from	from	ADP
easat-7654	100	12	various	various	ADJ
easat-7654	100	13	perspectives	perspective	NOUN
easat-7654	100	14	with	with	ADP
easat-7654	100	15	the	the	DET
easat-7654	100	16	aim	aim	NOUN
easat-7654	100	17	of	of	ADP
easat-7654	100	18	understanding	understand	VERB
easat-7654	100	19	how	how	SCONJ
easat-7654	100	20	individuals	individual	NOUN
easat-7654	100	21	can	can	AUX
easat-7654	100	22	accept	accept	VERB
easat-7654	100	23	and	and	CCONJ
easat-7654	100	24	use	use	VERB
easat-7654	100	25	the	the	DET
easat-7654	100	26	latest	late	ADJ
easat-7654	100	27	technology	technology	NOUN
easat-7654	100	28	[	[	X
easat-7654	100	29	29	29	NUM
easat-7654	100	30	]	]	PUNCT
easat-7654	100	31	.	.	PUNCT
easat-7654	101	1	utaut	utaut	PROPN
easat-7654	101	2	has	have	VERB
easat-7654	101	3	a	a	DET
easat-7654	101	4	rationale	rationale	NOUN
easat-7654	101	5	for	for	ADP
easat-7654	101	6	its	its	PRON
easat-7654	101	7	ongoing	ongoing	ADJ
easat-7654	101	8	,	,	PUNCT
easat-7654	101	9	vigorous	vigorous	ADJ
easat-7654	101	10	use	use	NOUN
easat-7654	101	11	of	of	ADP
easat-7654	101	12	contemporary	contemporary	ADJ
easat-7654	101	13	technology	technology	NOUN
easat-7654	101	14	.	.	PUNCT
easat-7654	102	1	the	the	DET
easat-7654	102	2	factors	factor	NOUN
easat-7654	102	3	influencing	influence	VERB
easat-7654	102	4	the	the	DET
easat-7654	102	5	adoption	adoption	NOUN
easat-7654	102	6	of	of	ADP
easat-7654	102	7	new	new	ADJ
easat-7654	102	8	technology	technology	NOUN
easat-7654	102	9	can	can	AUX
easat-7654	102	10	be	be	AUX
easat-7654	102	11	explained	explain	VERB
easat-7654	102	12	by	by	ADP
easat-7654	102	13	this	this	DET
easat-7654	102	14	theory	theory	NOUN
easat-7654	102	15	,	,	PUNCT
easat-7654	102	16	which	which	PRON
easat-7654	102	17	focuses	focus	VERB
easat-7654	102	18	on	on	ADP
easat-7654	102	19	user	user	NOUN
easat-7654	102	20	attitudes	attitude	NOUN
easat-7654	102	21	and	and	CCONJ
easat-7654	102	22	behavior	behavior	NOUN
easat-7654	102	23	.	.	PUNCT
easat-7654	103	1	additionally	additionally	ADV
easat-7654	103	2	,	,	PUNCT
easat-7654	103	3	this	this	DET
easat-7654	103	4	theory	theory	NOUN
easat-7654	103	5	is	be	AUX
easat-7654	103	6	flexible	flexible	ADJ
easat-7654	103	7	enough	enough	ADV
easat-7654	103	8	to	to	PART
easat-7654	103	9	be	be	AUX
easat-7654	103	10	modified	modify	VERB
easat-7654	103	11	to	to	PART
easat-7654	103	12	benefit	benefit	VERB
easat-7654	103	13	from	from	ADP
easat-7654	103	14	the	the	DET
easat-7654	103	15	most	most	ADV
easat-7654	103	16	recent	recent	ADJ
easat-7654	103	17	developments	development	NOUN
easat-7654	103	18	in	in	ADP
easat-7654	103	19	technology	technology	NOUN
easat-7654	103	20	,	,	PUNCT
easat-7654	103	21	including	include	VERB
easat-7654	103	22	online	online	ADJ
easat-7654	103	23	loan	loan	NOUN
easat-7654	103	24	applications	application	NOUN
easat-7654	103	25	[	[	X
easat-7654	103	26	30	30	NUM
easat-7654	103	27	]	]	PUNCT
easat-7654	103	28	.	.	PUNCT
easat-7654	104	1	the	the	DET
easat-7654	104	2	utaut	utaut	PROPN
easat-7654	104	3	model	model	NOUN
easat-7654	104	4	has	have	AUX
easat-7654	104	5	already	already	ADV
easat-7654	104	6	integrated	integrate	VERB
easat-7654	104	7	several	several	ADJ
easat-7654	104	8	research	research	NOUN
easat-7654	104	9	paradigms	paradigm	NOUN
easat-7654	104	10	,	,	PUNCT
easat-7654	104	11	including	include	VERB
easat-7654	104	12	the	the	DET
easat-7654	104	13	theory	theory	NOUN
easat-7654	104	14	of	of	ADP
easat-7654	104	15	planned	plan	VERB
easat-7654	104	16	behavior	behavior	NOUN
easat-7654	104	17	(	(	PUNCT
easat-7654	104	18	tpb	tpb	NOUN
easat-7654	104	19	)	)	PUNCT
easat-7654	104	20	,	,	PUNCT
easat-7654	104	21	social	social	ADJ
easat-7654	104	22	cognitive	cognitive	ADJ
easat-7654	104	23	theory	theory	NOUN
easat-7654	104	24	(	(	PUNCT
easat-7654	104	25	sct	sct	PROPN
easat-7654	104	26	)	)	PUNCT
easat-7654	104	27	,	,	PUNCT
easat-7654	104	28	technology	technology	NOUN
easat-7654	104	29	acceptance	acceptance	NOUN
easat-7654	104	30	model	model	NOUN
easat-7654	104	31	(	(	PUNCT
easat-7654	104	32	tam	tam	PROPN
easat-7654	104	33	)	)	PUNCT
easat-7654	104	34	,	,	PUNCT
easat-7654	104	35	model	model	NOUN
easat-7654	104	36	of	of	ADP
easat-7654	104	37	pc	pc	NOUN
easat-7654	104	38	utilization	utilization	NOUN
easat-7654	104	39	(	(	PUNCT
easat-7654	104	40	mpcu	mpcu	NOUN
easat-7654	104	41	)	)	PUNCT
easat-7654	104	42	,	,	PUNCT
easat-7654	104	43	motivational	motivational	ADJ
easat-7654	104	44	model	model	NOUN
easat-7654	104	45	(	(	PUNCT
easat-7654	104	46	mm	mm	NOUN
easat-7654	104	47	)	)	PUNCT
easat-7654	104	48	,	,	PUNCT
easat-7654	104	49	and	and	CCONJ
easat-7654	104	50	model	model	NOUN
easat-7654	104	51	combined	combine	VERB
easat-7654	104	52	with	with	ADP
easat-7654	104	53	tpb	tpb	NOUN
easat-7654	104	54	[	[	X
easat-7654	104	55	29	29	NUM
easat-7654	104	56	]	]	PUNCT
easat-7654	104	57	.	.	PUNCT
easat-7654	105	1	2.4	2.4	NUM
easat-7654	105	2	.	.	PUNCT
easat-7654	106	1	research	research	NOUN
easat-7654	106	2	variables	variable	NOUN
easat-7654	106	3	figure	figure	VERB
easat-7654	106	4	1	1	NUM
easat-7654	106	5	below	below	ADV
easat-7654	106	6	depicts	depict	VERB
easat-7654	106	7	the	the	DET
easat-7654	106	8	utaut	utaut	ADJ
easat-7654	106	9	2	2	NUM
easat-7654	106	10	research	research	NOUN
easat-7654	106	11	model	model	NOUN
easat-7654	106	12	,	,	PUNCT
easat-7654	106	13	which	which	PRON
easat-7654	106	14	the	the	DET
easat-7654	106	15	researcher	researcher	NOUN
easat-7654	106	16	has	have	AUX
easat-7654	106	17	selected	select	VERB
easat-7654	106	18	as	as	ADP
easat-7654	106	19	the	the	DET
easat-7654	106	20	starting	starting	NOUN
easat-7654	106	21	framework	framework	NOUN
easat-7654	106	22	for	for	ADP
easat-7654	106	23	this	this	DET
easat-7654	106	24	investigation	investigation	NOUN
easat-7654	106	25	.	.	PUNCT
easat-7654	107	1	several	several	ADJ
easat-7654	107	2	variables	variable	NOUN
easat-7654	107	3	from	from	ADP
easat-7654	107	4	the	the	DET
easat-7654	107	5	utaut	utaut	ADJ
easat-7654	107	6	2	2	NUM
easat-7654	107	7	model	model	NOUN
easat-7654	107	8	have	have	AUX
easat-7654	107	9	been	be	AUX
easat-7654	107	10	selected	select	VERB
easat-7654	107	11	to	to	PART
easat-7654	107	12	facilitate	facilitate	VERB
easat-7654	107	13	analysis	analysis	NOUN
easat-7654	107	14	and	and	CCONJ
easat-7654	107	15	produce	produce	VERB
easat-7654	107	16	study	study	NOUN
easat-7654	107	17	outcomes	outcome	NOUN
easat-7654	107	18	.	.	PUNCT
easat-7654	108	1	to	to	PART
easat-7654	108	2	make	make	VERB
easat-7654	108	3	this	this	DET
easat-7654	108	4	study	study	NOUN
easat-7654	108	5	more	more	ADV
easat-7654	108	6	unique	unique	ADJ
easat-7654	108	7	and	and	CCONJ
easat-7654	108	8	creative	creative	ADJ
easat-7654	108	9	,	,	PUNCT
easat-7654	108	10	the	the	DET
easat-7654	108	11	researcher	researcher	NOUN
easat-7654	108	12	has	have	AUX
easat-7654	108	13	introduced	introduce	VERB
easat-7654	108	14	a	a	DET
easat-7654	108	15	new	new	ADJ
easat-7654	108	16	variable	variable	NOUN
easat-7654	108	17	,	,	PUNCT
easat-7654	108	18	"	"	PUNCT
easat-7654	108	19	novelty	novelty	NOUN
easat-7654	108	20	,	,	PUNCT
easat-7654	108	21	"	"	PUNCT
easat-7654	108	22	to	to	ADP
easat-7654	108	23	the	the	DET
easat-7654	108	24	original	original	ADJ
easat-7654	108	25	utaut	utaut	ADJ
easat-7654	108	26	2	2	NUM
easat-7654	108	27	model	model	NOUN
easat-7654	108	28	.	.	PUNCT
easat-7654	109	1	figure	figure	NOUN
easat-7654	109	2	1	1	NUM
easat-7654	109	3	.	.	PUNCT
easat-7654	109	4	research	research	NOUN
easat-7654	109	5	model	model	NOUN
easat-7654	109	6	.	.	PUNCT
easat-7654	110	1	2.4.1	2.4.1	X
easat-7654	110	2	.	.	PUNCT
easat-7654	110	3	does	do	AUX
easat-7654	110	4	facilitating	facilitate	VERB
easat-7654	110	5	conditions	condition	NOUN
easat-7654	110	6	influence	influence	VERB
easat-7654	110	7	behavioral	behavioral	ADJ
easat-7654	110	8	intention	intention	NOUN
easat-7654	110	9	?	?	PUNCT
easat-7654	111	1	a	a	DET
easat-7654	111	2	facilitating	facilitate	VERB
easat-7654	111	3	condition	condition	NOUN
easat-7654	111	4	(	(	PUNCT
easat-7654	111	5	fc	fc	INTJ
easat-7654	111	6	)	)	PUNCT
easat-7654	111	7	is	be	AUX
easat-7654	111	8	a	a	DET
easat-7654	111	9	user	user	NOUN
easat-7654	111	10	's	's	PART
easat-7654	111	11	strong	strong	ADJ
easat-7654	111	12	belief	belief	NOUN
easat-7654	111	13	that	that	SCONJ
easat-7654	111	14	using	use	VERB
easat-7654	111	15	a	a	DET
easat-7654	111	16	fintech	fintech	NOUN
easat-7654	111	17	technology	technology	NOUN
easat-7654	111	18	will	will	AUX
easat-7654	111	19	improve	improve	VERB
easat-7654	111	20	their	their	PRON
easat-7654	111	21	performance	performance	NOUN
easat-7654	111	22	[	[	X
easat-7654	111	23	29	29	NUM
easat-7654	111	24	]	]	PUNCT
easat-7654	111	25	.	.	PUNCT
easat-7654	112	1	additionally	additionally	ADV
easat-7654	112	2	,	,	PUNCT
easat-7654	112	3	people	people	NOUN
easat-7654	112	4	might	might	AUX
easat-7654	112	5	be	be	AUX
easat-7654	112	6	persuaded	persuade	VERB
easat-7654	112	7	to	to	PART
easat-7654	112	8	accept	accept	VERB
easat-7654	112	9	innovation	innovation	NOUN
easat-7654	112	10	as	as	ADP
easat-7654	112	11	a	a	DET
easat-7654	112	12	quick	quick	ADJ
easat-7654	112	13	solution	solution	NOUN
easat-7654	112	14	to	to	ADP
easat-7654	112	15	their	their	PRON
easat-7654	112	16	problems	problem	NOUN
easat-7654	112	17	[	[	X
easat-7654	112	18	31	31	NUM
easat-7654	112	19	]	]	PUNCT
easat-7654	112	20	.	.	PUNCT
easat-7654	113	1	according	accord	VERB
easat-7654	113	2	to	to	ADP
easat-7654	113	3	research	research	NOUN
easat-7654	113	4	,	,	PUNCT
easat-7654	113	5	the	the	DET
easat-7654	113	6	concept	concept	NOUN
easat-7654	113	7	of	of	ADP
easat-7654	113	8	fintech	fintech	NOUN
easat-7654	113	9	services	service	NOUN
easat-7654	113	10	is	be	AUX
easat-7654	113	11	still	still	ADV
easat-7654	113	12	relatively	relatively	ADV
easat-7654	113	13	new	new	ADJ
easat-7654	113	14	in	in	ADP
easat-7654	113	15	a	a	DET
easat-7654	113	16	number	number	NOUN
easat-7654	113	17	of	of	ADP
easat-7654	113	18	developing	develop	VERB
easat-7654	113	19	countries	country	NOUN
easat-7654	113	20	[	[	X
easat-7654	113	21	32	32	NUM
easat-7654	113	22	]	]	PUNCT
easat-7654	113	23	and	and	CCONJ
easat-7654	113	24	businesses	business	NOUN
easat-7654	113	25	struggle	struggle	VERB
easat-7654	113	26	to	to	PART
easat-7654	113	27	make	make	VERB
easat-7654	113	28	sure	sure	ADJ
easat-7654	113	29	users	user	NOUN
easat-7654	113	30	can	can	AUX
easat-7654	113	31	utilize	utilize	VERB
easat-7654	113	32	3138	3138	NUM
easat-7654	113	33	edelweiss	edelweiss	PROPN
easat-7654	113	34	applied	apply	VERB
easat-7654	113	35	science	science	NOUN
easat-7654	113	36	and	and	CCONJ
easat-7654	113	37	technology	technology	NOUN
easat-7654	113	38	issn	issn	PROPN
easat-7654	113	39	:	:	PUNCT
easat-7654	113	40	2576	2576	NUM
easat-7654	113	41	-	-	SYM
easat-7654	113	42	8484	8484	NUM
easat-7654	113	43	vol	vol	NOUN
easat-7654	113	44	.	.	PROPN
easat-7654	114	1	9	9	NUM
easat-7654	114	2	,	,	PUNCT
easat-7654	114	3	no	no	INTJ
easat-7654	114	4	.	.	NOUN
easat-7654	114	5	5	5	NUM
easat-7654	114	6	:	:	SYM
easat-7654	114	7	3134	3134	NUM
easat-7654	114	8	-	-	SYM
easat-7654	114	9	3148	3148	NUM
easat-7654	114	10	,	,	PUNCT
easat-7654	114	11	2025	2025	NUM
easat-7654	114	12	doi	doi	NOUN
easat-7654	114	13	:	:	PUNCT
easat-7654	114	14	10.55214/25768484.v9i5.7654	10.55214/25768484.v9i5.7654	NUM
easat-7654	114	15	©	©	NOUN
easat-7654	114	16	2025	2025	NUM
easat-7654	114	17	by	by	ADP
easat-7654	114	18	the	the	DET
easat-7654	114	19	authors	author	NOUN
easat-7654	114	20	;	;	PUNCT
easat-7654	114	21	licensee	licensee	PROPN
easat-7654	114	22	learning	learning	NOUN
easat-7654	114	23	gate	gate	VERB
easat-7654	114	24	them	they	PRON
easat-7654	114	25	successfully	successfully	ADV
easat-7654	114	26	,	,	PUNCT
easat-7654	114	27	effectively	effectively	ADV
easat-7654	114	28	,	,	PUNCT
easat-7654	114	29	and	and	CCONJ
easat-7654	114	30	on	on	ADP
easat-7654	114	31	time	time	NOUN
easat-7654	114	32	.	.	PUNCT
easat-7654	115	1	these	these	DET
easat-7654	115	2	studies	study	NOUN
easat-7654	115	3	have	have	AUX
easat-7654	115	4	shown	show	VERB
easat-7654	115	5	that	that	SCONJ
easat-7654	115	6	behavioral	behavioral	ADJ
easat-7654	115	7	intention	intention	NOUN
easat-7654	115	8	is	be	AUX
easat-7654	115	9	influenced	influence	VERB
easat-7654	115	10	by	by	ADP
easat-7654	115	11	the	the	DET
easat-7654	115	12	facilitating	facilitating	NOUN
easat-7654	115	13	conditions	condition	NOUN
easat-7654	115	14	(	(	PUNCT
easat-7654	115	15	fc	fc	INTJ
easat-7654	115	16	)	)	PUNCT
easat-7654	115	17	variable	variable	NOUN
easat-7654	115	18	.	.	PUNCT
easat-7654	116	1	consequently	consequently	ADV
easat-7654	116	2	,	,	PUNCT
easat-7654	116	3	the	the	DET
easat-7654	116	4	following	follow	VERB
easat-7654	116	5	hypothesis	hypothesis	NOUN
easat-7654	116	6	is	be	AUX
easat-7654	116	7	proposed	propose	VERB
easat-7654	116	8	:	:	PUNCT
easat-7654	116	9	h1	h1	NOUN
easat-7654	116	10	:	:	PUNCT
easat-7654	116	11	facilitating	facilitate	VERB
easat-7654	116	12	conditions	condition	NOUN
easat-7654	116	13	has	have	VERB
easat-7654	116	14	a	a	DET
easat-7654	116	15	positive	positive	ADJ
easat-7654	116	16	impact	impact	NOUN
easat-7654	116	17	on	on	ADP
easat-7654	116	18	behavioral	behavioral	ADJ
easat-7654	116	19	intention	intention	NOUN
easat-7654	116	20	.	.	PUNCT
easat-7654	117	1	2.4.2	2.4.2	X
easat-7654	117	2	.	.	PUNCT
easat-7654	117	3	does	do	AUX
easat-7654	117	4	habit	habit	VERB
easat-7654	117	5	influence	influence	NOUN
easat-7654	117	6	behavioral	behavioral	ADJ
easat-7654	117	7	intention	intention	NOUN
easat-7654	117	8	?	?	PUNCT
easat-7654	118	1	examining	examine	VERB
easat-7654	118	2	the	the	DET
easat-7654	118	3	habit	habit	NOUN
easat-7654	118	4	(	(	PUNCT
easat-7654	118	5	hb	hb	NOUN
easat-7654	118	6	)	)	PUNCT
easat-7654	118	7	variable	variable	NOUN
easat-7654	118	8	is	be	AUX
easat-7654	118	9	one	one	NUM
easat-7654	118	10	method	method	NOUN
easat-7654	118	11	of	of	ADP
easat-7654	118	12	determining	determine	VERB
easat-7654	118	13	a	a	DET
easat-7654	118	14	user	user	NOUN
easat-7654	118	15	's	's	PART
easat-7654	118	16	inclination	inclination	NOUN
easat-7654	118	17	to	to	PART
easat-7654	118	18	embrace	embrace	VERB
easat-7654	118	19	a	a	DET
easat-7654	118	20	technology	technology	NOUN
easat-7654	118	21	.	.	PUNCT
easat-7654	119	1	the	the	PRON
easat-7654	119	2	more	more	ADV
easat-7654	119	3	frequently	frequently	ADV
easat-7654	119	4	a	a	DET
easat-7654	119	5	device	device	NOUN
easat-7654	119	6	is	be	AUX
easat-7654	119	7	used	use	VERB
easat-7654	119	8	,	,	PUNCT
easat-7654	119	9	the	the	PRON
easat-7654	119	10	more	more	ADV
easat-7654	119	11	embedded	embed	VERB
easat-7654	119	12	the	the	DET
easat-7654	119	13	habit	habit	NOUN
easat-7654	119	14	becomes	become	VERB
easat-7654	119	15	[	[	X
easat-7654	119	16	18	18	NUM
easat-7654	119	17	,	,	PUNCT
easat-7654	119	18	33	33	NUM
easat-7654	119	19	]	]	PUNCT
easat-7654	119	20	.	.	PUNCT
easat-7654	120	1	this	this	PRON
easat-7654	120	2	is	be	AUX
easat-7654	120	3	because	because	SCONJ
easat-7654	120	4	these	these	DET
easat-7654	120	5	learned	learn	VERB
easat-7654	120	6	actions	action	NOUN
easat-7654	120	7	eventually	eventually	ADV
easat-7654	120	8	become	become	VERB
easat-7654	120	9	habits	habit	NOUN
easat-7654	120	10	as	as	SCONJ
easat-7654	120	11	consumers	consumer	NOUN
easat-7654	120	12	become	become	VERB
easat-7654	120	13	familiar	familiar	ADJ
easat-7654	120	14	with	with	ADP
easat-7654	120	15	fintech	fintech	NOUN
easat-7654	120	16	products	product	NOUN
easat-7654	120	17	[	[	X
easat-7654	120	18	34	34	NUM
easat-7654	120	19	]	]	PUNCT
easat-7654	120	20	.	.	PUNCT
easat-7654	121	1	previous	previous	ADJ
easat-7654	121	2	research	research	NOUN
easat-7654	121	3	indicates	indicate	VERB
easat-7654	121	4	that	that	SCONJ
easat-7654	121	5	the	the	PRON
easat-7654	121	6	more	more	ADV
easat-7654	121	7	frequently	frequently	ADV
easat-7654	121	8	a	a	DET
easat-7654	121	9	person	person	NOUN
easat-7654	121	10	uses	use	VERB
easat-7654	121	11	or	or	CCONJ
easat-7654	121	12	adopts	adopt	VERB
easat-7654	121	13	a	a	DET
easat-7654	121	14	financial	financial	ADJ
easat-7654	121	15	technology	technology	NOUN
easat-7654	121	16	,	,	PUNCT
easat-7654	121	17	the	the	PRON
easat-7654	121	18	stronger	strong	ADJ
easat-7654	121	19	their	their	PRON
easat-7654	121	20	habit	habit	NOUN
easat-7654	121	21	becomes	become	VERB
easat-7654	121	22	.	.	PUNCT
easat-7654	122	1	the	the	DET
easat-7654	122	2	following	follow	VERB
easat-7654	122	3	theory	theory	NOUN
easat-7654	122	4	is	be	AUX
easat-7654	122	5	proposed	propose	VERB
easat-7654	122	6	in	in	ADP
easat-7654	122	7	view	view	NOUN
easat-7654	122	8	of	of	ADP
easat-7654	122	9	the	the	DET
easat-7654	122	10	previously	previously	ADV
easat-7654	122	11	mentioned	mention	VERB
easat-7654	122	12	:	:	PUNCT
easat-7654	122	13	h2	h2	NOUN
easat-7654	122	14	:	:	PUNCT
easat-7654	122	15	habit	habit	NOUN
easat-7654	122	16	has	have	VERB
easat-7654	122	17	a	a	DET
easat-7654	122	18	positive	positive	ADJ
easat-7654	122	19	impact	impact	NOUN
easat-7654	122	20	on	on	ADP
easat-7654	122	21	behavioral	behavioral	ADJ
easat-7654	122	22	intention	intention	NOUN
easat-7654	122	23	.	.	PUNCT
easat-7654	123	1	2.4.3	2.4.3	X
easat-7654	123	2	.	.	PUNCT
easat-7654	123	3	does	do	AUX
easat-7654	123	4	effort	effort	VERB
easat-7654	123	5	expectancy	expectancy	NOUN
easat-7654	123	6	influence	influence	NOUN
easat-7654	123	7	behavioral	behavioral	ADJ
easat-7654	123	8	intention	intention	NOUN
easat-7654	123	9	?	?	PUNCT
easat-7654	124	1	a	a	DET
easat-7654	124	2	user	user	NOUN
easat-7654	124	3	's	's	PART
easat-7654	124	4	perception	perception	NOUN
easat-7654	124	5	of	of	ADP
easat-7654	124	6	a	a	DET
easat-7654	124	7	new	new	ADJ
easat-7654	124	8	technology	technology	NOUN
easat-7654	124	9	's	's	PART
easat-7654	124	10	ease	ease	NOUN
easat-7654	124	11	of	of	ADP
easat-7654	124	12	use	use	NOUN
easat-7654	124	13	is	be	AUX
easat-7654	124	14	known	know	VERB
easat-7654	124	15	as	as	ADP
easat-7654	124	16	effort	effort	NOUN
easat-7654	124	17	expectancy	expectancy	NOUN
easat-7654	124	18	(	(	PUNCT
easat-7654	124	19	ee	ee	PROPN
easat-7654	124	20	)	)	PUNCT
easat-7654	124	21	.	.	PUNCT
easat-7654	125	1	users	user	NOUN
easat-7654	125	2	are	be	AUX
easat-7654	125	3	more	more	ADV
easat-7654	125	4	likely	likely	ADJ
easat-7654	125	5	to	to	PART
easat-7654	125	6	adopt	adopt	VERB
easat-7654	125	7	a	a	DET
easat-7654	125	8	technology	technology	NOUN
easat-7654	125	9	with	with	ADP
easat-7654	125	10	a	a	DET
easat-7654	125	11	substantial	substantial	ADJ
easat-7654	125	12	intention	intention	NOUN
easat-7654	125	13	when	when	SCONJ
easat-7654	125	14	they	they	PRON
easat-7654	125	15	believe	believe	VERB
easat-7654	125	16	it	it	PRON
easat-7654	125	17	to	to	PART
easat-7654	125	18	be	be	AUX
easat-7654	125	19	user	user	NOUN
easat-7654	125	20	-	-	PUNCT
easat-7654	125	21	friendly	friendly	ADJ
easat-7654	125	22	[	[	X
easat-7654	125	23	35	35	NUM
easat-7654	125	24	,	,	PUNCT
easat-7654	125	25	36	36	NUM
easat-7654	125	26	]	]	PUNCT
easat-7654	125	27	.	.	PUNCT
easat-7654	126	1	since	since	SCONJ
easat-7654	126	2	effort	effort	NOUN
easat-7654	126	3	expectancy	expectancy	NOUN
easat-7654	126	4	measures	measure	NOUN
easat-7654	126	5	how	how	SCONJ
easat-7654	126	6	easily	easily	ADV
easat-7654	126	7	people	people	NOUN
easat-7654	126	8	perceive	perceive	VERB
easat-7654	126	9	new	new	ADJ
easat-7654	126	10	technology	technology	NOUN
easat-7654	126	11	,	,	PUNCT
easat-7654	126	12	particularly	particularly	ADV
easat-7654	126	13	fintech	fintech	NOUN
easat-7654	126	14	,	,	PUNCT
easat-7654	126	15	it	it	PRON
easat-7654	126	16	follows	follow	VERB
easat-7654	126	17	that	that	SCONJ
easat-7654	126	18	the	the	PRON
easat-7654	126	19	more	more	ADV
easat-7654	126	20	user	user	NOUN
easat-7654	126	21	-	-	PUNCT
easat-7654	126	22	friendly	friendly	ADJ
easat-7654	126	23	a	a	DET
easat-7654	126	24	technology	technology	NOUN
easat-7654	126	25	is	be	AUX
easat-7654	126	26	judged	judge	VERB
easat-7654	126	27	to	to	PART
easat-7654	126	28	be	be	AUX
easat-7654	126	29	,	,	PUNCT
easat-7654	126	30	the	the	DET
easat-7654	126	31	more	more	ADV
easat-7654	126	32	likely	likely	ADJ
easat-7654	126	33	users	user	NOUN
easat-7654	126	34	are	be	AUX
easat-7654	126	35	to	to	PART
easat-7654	126	36	adopt	adopt	VERB
easat-7654	126	37	it	it	PRON
easat-7654	126	38	.	.	PUNCT
easat-7654	127	1	because	because	SCONJ
easat-7654	127	2	of	of	ADP
easat-7654	127	3	the	the	DET
easat-7654	127	4	technology	technology	NOUN
easat-7654	127	5	's	's	PART
easat-7654	127	6	ease	ease	NOUN
easat-7654	127	7	of	of	ADP
easat-7654	127	8	use	use	NOUN
easat-7654	127	9	,	,	PUNCT
easat-7654	127	10	which	which	PRON
easat-7654	127	11	promotes	promote	VERB
easat-7654	127	12	adoption	adoption	NOUN
easat-7654	127	13	,	,	PUNCT
easat-7654	127	14	it	it	PRON
easat-7654	127	15	may	may	AUX
easat-7654	127	16	be	be	AUX
easat-7654	127	17	assumed	assume	VERB
easat-7654	127	18	that	that	SCONJ
easat-7654	127	19	effort	effort	NOUN
easat-7654	127	20	expectancy	expectancy	NOUN
easat-7654	127	21	and	and	CCONJ
easat-7654	127	22	behavioral	behavioral	ADJ
easat-7654	127	23	intention	intention	NOUN
easat-7654	127	24	have	have	VERB
easat-7654	127	25	a	a	DET
easat-7654	127	26	positive	positive	ADJ
easat-7654	127	27	relationship	relationship	NOUN
easat-7654	127	28	.	.	PUNCT
easat-7654	128	1	in	in	ADP
easat-7654	128	2	light	light	NOUN
easat-7654	128	3	of	of	ADP
easat-7654	128	4	the	the	DET
easat-7654	128	5	aforementioned	aforementione	VERB
easat-7654	128	6	,	,	PUNCT
easat-7654	128	7	the	the	DET
easat-7654	128	8	following	follow	VERB
easat-7654	128	9	theory	theory	NOUN
easat-7654	128	10	is	be	AUX
easat-7654	128	11	put	put	VERB
easat-7654	128	12	forth	forth	ADV
easat-7654	128	13	:	:	PUNCT
easat-7654	128	14	h3	h3	NOUN
easat-7654	128	15	:	:	PUNCT
easat-7654	128	16	effort	effort	NOUN
easat-7654	128	17	expectancy	expectancy	NOUN
easat-7654	128	18	has	have	VERB
easat-7654	128	19	a	a	DET
easat-7654	128	20	positive	positive	ADJ
easat-7654	128	21	impact	impact	NOUN
easat-7654	128	22	on	on	ADP
easat-7654	128	23	behavioral	behavioral	ADJ
easat-7654	128	24	intention	intention	NOUN
easat-7654	128	25	.	.	PUNCT
easat-7654	129	1	2.4.4	2.4.4	X
easat-7654	129	2	.	.	PUNCT
easat-7654	129	3	does	do	AUX
easat-7654	129	4	social	social	ADJ
easat-7654	129	5	influence	influence	NOUN
easat-7654	129	6	can	can	AUX
easat-7654	129	7	influence	influence	VERB
easat-7654	129	8	digital	digital	ADJ
easat-7654	129	9	financial	financial	ADJ
easat-7654	129	10	literacy	literacy	NOUN
easat-7654	129	11	?	?	PUNCT
easat-7654	130	1	social	social	ADJ
easat-7654	130	2	influence	influence	NOUN
easat-7654	130	3	(	(	PUNCT
easat-7654	130	4	si	si	X
easat-7654	130	5	)	)	PUNCT
easat-7654	130	6	is	be	AUX
easat-7654	130	7	the	the	DET
easat-7654	130	8	process	process	NOUN
easat-7654	130	9	by	by	ADP
easat-7654	130	10	which	which	PRON
easat-7654	130	11	a	a	DET
easat-7654	130	12	person	person	NOUN
easat-7654	130	13	asks	ask	VERB
easat-7654	130	14	friends	friend	NOUN
easat-7654	130	15	,	,	PUNCT
easat-7654	130	16	family	family	NOUN
easat-7654	130	17	,	,	PUNCT
easat-7654	130	18	and	and	CCONJ
easat-7654	130	19	other	other	ADJ
easat-7654	130	20	members	member	NOUN
easat-7654	130	21	of	of	ADP
easat-7654	130	22	their	their	PRON
easat-7654	130	23	social	social	ADJ
easat-7654	130	24	circle	circle	NOUN
easat-7654	130	25	for	for	ADP
easat-7654	130	26	their	their	PRON
easat-7654	130	27	thoughts	thought	NOUN
easat-7654	130	28	on	on	ADP
easat-7654	130	29	the	the	DET
easat-7654	130	30	value	value	NOUN
easat-7654	130	31	of	of	ADP
easat-7654	130	32	a	a	DET
easat-7654	130	33	new	new	ADJ
easat-7654	130	34	system	system	NOUN
easat-7654	130	35	or	or	CCONJ
easat-7654	130	36	product	product	NOUN
easat-7654	130	37	[	[	X
easat-7654	130	38	37	37	NUM
easat-7654	130	39	]	]	PUNCT
easat-7654	130	40	.	.	PUNCT
easat-7654	131	1	through	through	ADP
easat-7654	131	2	this	this	DET
easat-7654	131	3	process	process	NOUN
easat-7654	131	4	,	,	PUNCT
easat-7654	131	5	users	user	NOUN
easat-7654	131	6	learn	learn	VERB
easat-7654	131	7	about	about	ADP
easat-7654	131	8	fintech	fintech	NOUN
easat-7654	131	9	technology	technology	NOUN
easat-7654	131	10	,	,	PUNCT
easat-7654	131	11	which	which	PRON
easat-7654	131	12	can	can	AUX
easat-7654	131	13	lead	lead	VERB
easat-7654	131	14	them	they	PRON
easat-7654	131	15	to	to	PART
easat-7654	131	16	want	want	VERB
easat-7654	131	17	to	to	PART
easat-7654	131	18	try	try	VERB
easat-7654	131	19	and	and	CCONJ
easat-7654	131	20	use	use	VERB
easat-7654	131	21	the	the	DET
easat-7654	131	22	application	application	NOUN
easat-7654	131	23	.	.	PUNCT
easat-7654	132	1	previous	previous	ADJ
easat-7654	132	2	research	research	NOUN
easat-7654	132	3	conducted	conduct	VERB
easat-7654	132	4	[	[	X
easat-7654	132	5	38	38	NUM
easat-7654	132	6	]	]	PUNCT
easat-7654	132	7	suggests	suggest	VERB
easat-7654	132	8	that	that	SCONJ
easat-7654	132	9	social	social	ADJ
easat-7654	132	10	interaction	interaction	NOUN
easat-7654	132	11	can	can	AUX
easat-7654	132	12	facilitate	facilitate	VERB
easat-7654	132	13	an	an	DET
easat-7654	132	14	individual	individual	NOUN
easat-7654	132	15	's	's	PART
easat-7654	132	16	learning	learning	NOUN
easat-7654	132	17	of	of	ADP
easat-7654	132	18	how	how	SCONJ
easat-7654	132	19	to	to	PART
easat-7654	132	20	use	use	VERB
easat-7654	132	21	a	a	DET
easat-7654	132	22	technology	technology	NOUN
easat-7654	132	23	.	.	PUNCT
easat-7654	133	1	moreover	moreover	ADV
easat-7654	133	2	,	,	PUNCT
easat-7654	133	3	social	social	ADJ
easat-7654	133	4	support	support	NOUN
easat-7654	133	5	from	from	ADP
easat-7654	133	6	friends	friend	NOUN
easat-7654	133	7	or	or	CCONJ
easat-7654	133	8	family	family	NOUN
easat-7654	133	9	can	can	AUX
easat-7654	133	10	enhance	enhance	VERB
easat-7654	133	11	one	one	PRON
easat-7654	133	12	's	's	PART
easat-7654	133	13	self	self	NOUN
easat-7654	133	14	-	-	PUNCT
easat-7654	133	15	confidence	confidence	NOUN
easat-7654	133	16	in	in	ADP
easat-7654	133	17	using	use	VERB
easat-7654	133	18	new	new	ADJ
easat-7654	133	19	technology	technology	NOUN
easat-7654	133	20	,	,	PUNCT
easat-7654	133	21	thereby	thereby	ADV
easat-7654	133	22	encouraging	encourage	VERB
easat-7654	133	23	them	they	PRON
easat-7654	133	24	to	to	PART
easat-7654	133	25	improve	improve	VERB
easat-7654	133	26	their	their	PRON
easat-7654	133	27	digital	digital	ADJ
easat-7654	133	28	literacy	literacy	NOUN
easat-7654	133	29	.	.	PUNCT
easat-7654	134	1	therefore	therefore	ADV
easat-7654	134	2	,	,	PUNCT
easat-7654	134	3	the	the	DET
easat-7654	134	4	following	follow	VERB
easat-7654	134	5	hypothesis	hypothesis	NOUN
easat-7654	134	6	is	be	AUX
easat-7654	134	7	proposed	propose	VERB
easat-7654	134	8	:	:	PUNCT
easat-7654	134	9	h4	h4	NOUN
easat-7654	134	10	:	:	PUNCT
easat-7654	134	11	social	social	ADJ
easat-7654	134	12	influence	influence	NOUN
easat-7654	134	13	has	have	VERB
easat-7654	134	14	a	a	DET
easat-7654	134	15	positive	positive	ADJ
easat-7654	134	16	impact	impact	NOUN
easat-7654	134	17	on	on	ADP
easat-7654	134	18	digital	digital	ADJ
easat-7654	134	19	financial	financial	ADJ
easat-7654	134	20	literacy	literacy	NOUN
easat-7654	134	21	.	.	PUNCT
easat-7654	135	1	2.4.5	2.4.5	NUM
easat-7654	135	2	.	.	PUNCT
easat-7654	136	1	does	do	VERB
easat-7654	136	2	security	security	NOUN
easat-7654	136	3	risk	risk	NOUN
easat-7654	136	4	influence	influence	NOUN
easat-7654	136	5	digital	digital	ADJ
easat-7654	136	6	financial	financial	ADJ
easat-7654	136	7	literacy	literacy	NOUN
easat-7654	136	8	?	?	PUNCT
easat-7654	137	1	security	security	NOUN
easat-7654	137	2	risk	risk	NOUN
easat-7654	137	3	(	(	PUNCT
easat-7654	137	4	sr	sr	PROPN
easat-7654	137	5	)	)	PUNCT
easat-7654	137	6	can	can	AUX
easat-7654	137	7	be	be	AUX
easat-7654	137	8	defined	define	VERB
easat-7654	137	9	as	as	ADP
easat-7654	137	10	the	the	DET
easat-7654	137	11	security	security	NOUN
easat-7654	137	12	risk	risk	NOUN
easat-7654	137	13	associated	associate	VERB
easat-7654	137	14	with	with	ADP
easat-7654	137	15	a	a	DET
easat-7654	137	16	technology	technology	NOUN
easat-7654	137	17	,	,	PUNCT
easat-7654	137	18	including	include	VERB
easat-7654	137	19	the	the	DET
easat-7654	137	20	potential	potential	NOUN
easat-7654	137	21	for	for	ADP
easat-7654	137	22	loss	loss	NOUN
easat-7654	137	23	of	of	ADP
easat-7654	137	24	control	control	NOUN
easat-7654	137	25	over	over	ADP
easat-7654	137	26	personal	personal	ADJ
easat-7654	137	27	information	information	NOUN
easat-7654	137	28	,	,	PUNCT
easat-7654	137	29	such	such	ADJ
easat-7654	137	30	as	as	ADP
easat-7654	137	31	the	the	DET
easat-7654	137	32	unauthorized	unauthorized	ADJ
easat-7654	137	33	use	use	NOUN
easat-7654	137	34	of	of	ADP
easat-7654	137	35	personal	personal	ADJ
easat-7654	137	36	information	information	NOUN
easat-7654	137	37	[	[	X
easat-7654	137	38	39	39	NUM
easat-7654	137	39	]	]	PUNCT
easat-7654	137	40	.	.	PUNCT
easat-7654	138	1	security	security	NOUN
easat-7654	138	2	risk	risk	NOUN
easat-7654	138	3	is	be	AUX
easat-7654	138	4	closely	closely	ADV
easat-7654	138	5	related	relate	VERB
easat-7654	138	6	to	to	ADP
easat-7654	138	7	fintech	fintech	NOUN
easat-7654	138	8	technology	technology	NOUN
easat-7654	138	9	because	because	SCONJ
easat-7654	138	10	it	it	PRON
easat-7654	138	11	requires	require	VERB
easat-7654	138	12	strong	strong	ADJ
easat-7654	138	13	trust	trust	NOUN
easat-7654	138	14	from	from	ADP
easat-7654	138	15	users	user	NOUN
easat-7654	138	16	for	for	SCONJ
easat-7654	138	17	them	they	PRON
easat-7654	138	18	to	to	PART
easat-7654	138	19	use	use	VERB
easat-7654	138	20	fintech	fintech	NOUN
easat-7654	138	21	applications	application	NOUN
easat-7654	139	1	[	[	X
easat-7654	139	2	40	40	NUM
easat-7654	139	3	]	]	PUNCT
easat-7654	139	4	.	.	PUNCT
easat-7654	140	1	in	in	ADP
easat-7654	140	2	the	the	DET
easat-7654	140	3	context	context	NOUN
easat-7654	140	4	of	of	ADP
easat-7654	140	5	fintech	fintech	NOUN
easat-7654	140	6	,	,	PUNCT
easat-7654	140	7	particularly	particularly	ADV
easat-7654	140	8	online	online	ADJ
easat-7654	140	9	lending	lending	NOUN
easat-7654	140	10	,	,	PUNCT
easat-7654	140	11	security	security	NOUN
easat-7654	140	12	risks	risk	NOUN
easat-7654	140	13	not	not	PART
easat-7654	140	14	only	only	ADV
easat-7654	140	15	threaten	threaten	VERB
easat-7654	140	16	user	user	NOUN
easat-7654	140	17	privacy	privacy	NOUN
easat-7654	140	18	but	but	CCONJ
easat-7654	140	19	can	can	AUX
easat-7654	140	20	also	also	ADV
easat-7654	140	21	lead	lead	VERB
easat-7654	140	22	to	to	ADP
easat-7654	140	23	financial	financial	ADJ
easat-7654	140	24	losses	loss	NOUN
easat-7654	140	25	.	.	PUNCT
easat-7654	141	1	if	if	SCONJ
easat-7654	141	2	users	user	NOUN
easat-7654	141	3	have	have	VERB
easat-7654	141	4	knowledge	knowledge	NOUN
easat-7654	141	5	and	and	CCONJ
easat-7654	141	6	trust	trust	NOUN
easat-7654	141	7	regarding	regard	VERB
easat-7654	141	8	the	the	DET
easat-7654	141	9	security	security	NOUN
easat-7654	141	10	risks	risk	NOUN
easat-7654	141	11	of	of	ADP
easat-7654	141	12	an	an	DET
easat-7654	141	13	online	online	ADJ
easat-7654	141	14	lending	lending	NOUN
easat-7654	141	15	technology	technology	NOUN
easat-7654	141	16	,	,	PUNCT
easat-7654	141	17	their	their	PRON
easat-7654	141	18	trust	trust	NOUN
easat-7654	141	19	will	will	AUX
easat-7654	141	20	grow	grow	VERB
easat-7654	141	21	,	,	PUNCT
easat-7654	141	22	increasing	increase	VERB
easat-7654	141	23	the	the	DET
easat-7654	141	24	likelihood	likelihood	NOUN
easat-7654	141	25	of	of	ADP
easat-7654	141	26	them	they	PRON
easat-7654	141	27	using	use	VERB
easat-7654	141	28	the	the	DET
easat-7654	141	29	application	application	NOUN
easat-7654	141	30	.	.	PUNCT
easat-7654	142	1	based	base	VERB
easat-7654	142	2	on	on	ADP
easat-7654	142	3	the	the	DET
easat-7654	142	4	above	above	NOUN
easat-7654	142	5	,	,	PUNCT
easat-7654	142	6	the	the	DET
easat-7654	142	7	following	follow	VERB
easat-7654	142	8	hypothesis	hypothesis	NOUN
easat-7654	142	9	is	be	AUX
easat-7654	142	10	proposed	propose	VERB
easat-7654	142	11	:	:	PUNCT
easat-7654	142	12	h5	h5	NOUN
easat-7654	142	13	:	:	PUNCT
easat-7654	142	14	security	security	NOUN
easat-7654	142	15	risk	risk	NOUN
easat-7654	142	16	has	have	VERB
easat-7654	142	17	a	a	DET
easat-7654	142	18	positive	positive	ADJ
easat-7654	142	19	impact	impact	NOUN
easat-7654	142	20	on	on	ADP
easat-7654	142	21	digital	digital	ADJ
easat-7654	142	22	financial	financial	ADJ
easat-7654	142	23	literacy	literacy	NOUN
easat-7654	142	24	.	.	PUNCT
easat-7654	143	1	2.4.6	2.4.6	X
easat-7654	143	2	.	.	PROPN
easat-7654	143	3	does	do	AUX
easat-7654	143	4	performance	performance	NOUN
easat-7654	143	5	expectancy	expectancy	NOUN
easat-7654	143	6	influence	influence	VERB
easat-7654	143	7	digital	digital	ADJ
easat-7654	143	8	financial	financial	ADJ
easat-7654	143	9	literacy	literacy	NOUN
easat-7654	143	10	?	?	PUNCT
easat-7654	144	1	users	user	NOUN
easat-7654	144	2	'	'	PART
easat-7654	144	3	perception	perception	NOUN
easat-7654	144	4	that	that	SCONJ
easat-7654	144	5	implementing	implement	VERB
easat-7654	144	6	a	a	DET
easat-7654	144	7	specific	specific	ADJ
easat-7654	144	8	technology	technology	NOUN
easat-7654	144	9	or	or	CCONJ
easat-7654	144	10	system	system	NOUN
easat-7654	144	11	will	will	AUX
easat-7654	144	12	improve	improve	VERB
easat-7654	144	13	their	their	PRON
easat-7654	144	14	job	job	NOUN
easat-7654	144	15	performance	performance	NOUN
easat-7654	144	16	is	be	AUX
easat-7654	144	17	known	know	VERB
easat-7654	144	18	as	as	ADP
easat-7654	144	19	performance	performance	NOUN
easat-7654	144	20	expectancy	expectancy	NOUN
easat-7654	144	21	(	(	PUNCT
easat-7654	144	22	pe	pe	INTJ
easat-7654	144	23	)	)	PUNCT
easat-7654	145	1	[	[	X
easat-7654	145	2	29	29	NUM
easat-7654	145	3	]	]	PUNCT
easat-7654	145	4	.	.	PUNCT
easat-7654	146	1	people	people	NOUN
easat-7654	146	2	are	be	AUX
easat-7654	146	3	driven	drive	VERB
easat-7654	146	4	to	to	PART
easat-7654	146	5	learn	learn	VERB
easat-7654	146	6	more	more	ADJ
easat-7654	146	7	when	when	SCONJ
easat-7654	146	8	they	they	PRON
easat-7654	146	9	have	have	VERB
easat-7654	146	10	strong	strong	ADJ
easat-7654	146	11	hopes	hope	NOUN
easat-7654	146	12	that	that	SCONJ
easat-7654	146	13	improving	improve	VERB
easat-7654	146	14	their	their	PRON
easat-7654	146	15	digital	digital	ADJ
easat-7654	146	16	financial	financial	ADJ
easat-7654	146	17	literacy	literacy	NOUN
easat-7654	146	18	will	will	AUX
easat-7654	146	19	help	help	VERB
easat-7654	146	20	them	they	PRON
easat-7654	146	21	manage	manage	VERB
easat-7654	146	22	their	their	PRON
easat-7654	146	23	3139	3139	NUM
easat-7654	146	24	edelweiss	edelweiss	PROPN
easat-7654	146	25	applied	apply	VERB
easat-7654	146	26	science	science	NOUN
easat-7654	146	27	and	and	CCONJ
easat-7654	146	28	technology	technology	NOUN
easat-7654	146	29	issn	issn	PROPN
easat-7654	146	30	:	:	PUNCT
easat-7654	146	31	2576	2576	NUM
easat-7654	146	32	-	-	SYM
easat-7654	146	33	8484	8484	NUM
easat-7654	146	34	vol	vol	NOUN
easat-7654	146	35	.	.	PROPN
easat-7654	147	1	9	9	NUM
easat-7654	147	2	,	,	PUNCT
easat-7654	147	3	no	no	INTJ
easat-7654	147	4	.	.	NOUN
easat-7654	147	5	5	5	NUM
easat-7654	147	6	:	:	SYM
easat-7654	147	7	3134	3134	NUM
easat-7654	147	8	-	-	SYM
easat-7654	147	9	3148	3148	NUM
easat-7654	147	10	,	,	PUNCT
easat-7654	147	11	2025	2025	NUM
easat-7654	147	12	doi	doi	NOUN
easat-7654	147	13	:	:	PUNCT
easat-7654	147	14	10.55214/25768484.v9i5.7654	10.55214/25768484.v9i5.7654	NUM
easat-7654	147	15	©	©	NOUN
easat-7654	147	16	2025	2025	NUM
easat-7654	147	17	by	by	ADP
easat-7654	147	18	the	the	DET
easat-7654	147	19	authors	author	NOUN
easat-7654	147	20	;	;	PUNCT
easat-7654	147	21	licensee	licensee	PROPN
easat-7654	147	22	learning	learning	NOUN
easat-7654	147	23	gate	gate	NOUN
easat-7654	147	24	money	money	NOUN
easat-7654	147	25	more	more	ADV
easat-7654	147	26	effectively	effectively	ADV
easat-7654	147	27	,	,	PUNCT
easat-7654	147	28	reach	reach	VERB
easat-7654	147	29	their	their	PRON
easat-7654	147	30	financial	financial	ADJ
easat-7654	147	31	objectives	objective	NOUN
easat-7654	147	32	,	,	PUNCT
easat-7654	147	33	or	or	CCONJ
easat-7654	147	34	even	even	ADV
easat-7654	147	35	enhance	enhance	VERB
easat-7654	147	36	their	their	PRON
easat-7654	147	37	quality	quality	NOUN
easat-7654	147	38	of	of	ADP
easat-7654	147	39	life	life	NOUN
easat-7654	147	40	,	,	PUNCT
easat-7654	147	41	according	accord	VERB
easat-7654	147	42	to	to	ADP
easat-7654	147	43	[	[	X
easat-7654	147	44	41	41	NUM
easat-7654	147	45	]	]	PUNCT
easat-7654	147	46	.	.	PUNCT
easat-7654	148	1	the	the	DET
easat-7654	148	2	following	follow	VERB
easat-7654	148	3	theory	theory	NOUN
easat-7654	148	4	is	be	AUX
easat-7654	148	5	proposed	propose	VERB
easat-7654	148	6	in	in	ADP
easat-7654	148	7	view	view	NOUN
easat-7654	148	8	of	of	ADP
easat-7654	148	9	the	the	DET
easat-7654	148	10	previously	previously	ADV
easat-7654	148	11	mentioned	mention	VERB
easat-7654	148	12	:	:	PUNCT
easat-7654	148	13	h6	h6	NOUN
easat-7654	148	14	:	:	PUNCT
easat-7654	148	15	performance	performance	NOUN
easat-7654	148	16	expectancy	expectancy	NOUN
easat-7654	148	17	has	have	VERB
easat-7654	148	18	a	a	DET
easat-7654	148	19	positive	positive	ADJ
easat-7654	148	20	impact	impact	NOUN
easat-7654	148	21	on	on	ADP
easat-7654	148	22	digital	digital	ADJ
easat-7654	148	23	financial	financial	ADJ
easat-7654	148	24	literacy	literacy	NOUN
easat-7654	148	25	.	.	PUNCT
easat-7654	149	1	2.4.7	2.4.7	X
easat-7654	149	2	.	.	X
easat-7654	149	3	does	do	AUX
easat-7654	149	4	performance	performance	NOUN
easat-7654	149	5	expectancy	expectancy	NOUN
easat-7654	149	6	influence	influence	NOUN
easat-7654	149	7	hedonic	hedonic	ADJ
easat-7654	149	8	motivation	motivation	NOUN
easat-7654	149	9	?	?	PUNCT
easat-7654	150	1	performance	performance	NOUN
easat-7654	150	2	expectancy	expectancy	NOUN
easat-7654	150	3	and	and	CCONJ
easat-7654	150	4	hedonic	hedonic	ADJ
easat-7654	150	5	motivation	motivation	NOUN
easat-7654	150	6	are	be	AUX
easat-7654	150	7	significantly	significantly	ADV
easat-7654	150	8	correlated	correlate	VERB
easat-7654	150	9	,	,	PUNCT
easat-7654	150	10	according	accord	VERB
easat-7654	150	11	to	to	ADP
easat-7654	150	12	earlier	early	ADJ
easat-7654	150	13	study[42	study[42	NOUN
easat-7654	150	14	]	]	PUNCT
easat-7654	150	15	.	.	PUNCT
easat-7654	151	1	the	the	DET
easat-7654	151	2	results	result	NOUN
easat-7654	151	3	of	of	ADP
easat-7654	151	4	the	the	DET
easat-7654	151	5	study	study	NOUN
easat-7654	151	6	showed	show	VERB
easat-7654	151	7	that	that	SCONJ
easat-7654	151	8	users	user	NOUN
easat-7654	151	9	are	be	AUX
easat-7654	151	10	more	more	ADV
easat-7654	151	11	motivated	motivated	ADJ
easat-7654	151	12	to	to	PART
easat-7654	151	13	use	use	VERB
easat-7654	151	14	a	a	DET
easat-7654	151	15	technology	technology	NOUN
easat-7654	151	16	because	because	SCONJ
easat-7654	151	17	they	they	PRON
easat-7654	151	18	love	love	VERB
easat-7654	151	19	it	it	PRON
easat-7654	151	20	more	more	ADV
easat-7654	151	21	when	when	SCONJ
easat-7654	151	22	they	they	PRON
easat-7654	151	23	believe	believe	VERB
easat-7654	151	24	it	it	PRON
easat-7654	151	25	will	will	AUX
easat-7654	151	26	be	be	AUX
easat-7654	151	27	more	more	ADV
easat-7654	151	28	beneficial	beneficial	ADJ
easat-7654	151	29	.	.	PUNCT
easat-7654	152	1	the	the	DET
easat-7654	152	2	following	follow	VERB
easat-7654	152	3	theory	theory	NOUN
easat-7654	152	4	is	be	AUX
easat-7654	152	5	proposed	propose	VERB
easat-7654	152	6	in	in	ADP
easat-7654	152	7	view	view	NOUN
easat-7654	152	8	of	of	ADP
easat-7654	152	9	the	the	DET
easat-7654	152	10	previously	previously	ADV
easat-7654	152	11	mentioned	mention	VERB
easat-7654	152	12	:	:	PUNCT
easat-7654	152	13	h7	h7	NOUN
easat-7654	152	14	:	:	PUNCT
easat-7654	152	15	performance	performance	NOUN
easat-7654	152	16	expectancy	expectancy	NOUN
easat-7654	152	17	has	have	VERB
easat-7654	152	18	a	a	DET
easat-7654	152	19	positive	positive	ADJ
easat-7654	152	20	impact	impact	NOUN
easat-7654	152	21	on	on	ADP
easat-7654	152	22	hedonic	hedonic	ADJ
easat-7654	152	23	motivation	motivation	NOUN
easat-7654	152	24	.	.	PUNCT
easat-7654	153	1	2.4.8	2.4.8	NUM
easat-7654	153	2	.	.	PUNCT
easat-7654	154	1	does	do	VERB
easat-7654	154	2	price	price	NOUN
easat-7654	154	3	value	value	NOUN
easat-7654	154	4	influence	influence	NOUN
easat-7654	154	5	digital	digital	ADJ
easat-7654	154	6	financial	financial	ADJ
easat-7654	154	7	literacy	literacy	NOUN
easat-7654	154	8	?	?	PUNCT
easat-7654	155	1	price	price	NOUN
easat-7654	155	2	value	value	NOUN
easat-7654	155	3	(	(	PUNCT
easat-7654	155	4	pv	pv	NOUN
easat-7654	155	5	)	)	PUNCT
easat-7654	155	6	refers	refer	VERB
easat-7654	155	7	to	to	ADP
easat-7654	155	8	a	a	DET
easat-7654	155	9	user	user	NOUN
easat-7654	155	10	's	's	PART
easat-7654	155	11	perception	perception	NOUN
easat-7654	155	12	that	that	SCONJ
easat-7654	155	13	the	the	DET
easat-7654	155	14	benefits	benefit	NOUN
easat-7654	155	15	of	of	ADP
easat-7654	155	16	adopting	adopt	VERB
easat-7654	155	17	a	a	DET
easat-7654	155	18	technology	technology	NOUN
easat-7654	155	19	exceed	exceed	VERB
easat-7654	155	20	the	the	DET
easat-7654	155	21	costs	cost	NOUN
easat-7654	155	22	[	[	X
easat-7654	155	23	18	18	NUM
easat-7654	155	24	,	,	PUNCT
easat-7654	155	25	33	33	NUM
easat-7654	155	26	]	]	PUNCT
easat-7654	155	27	.	.	PUNCT
easat-7654	156	1	previous	previous	ADJ
easat-7654	156	2	studies	study	NOUN
easat-7654	156	3	on	on	ADP
easat-7654	156	4	financial	financial	ADJ
easat-7654	156	5	technology	technology	NOUN
easat-7654	156	6	,	,	PUNCT
easat-7654	156	7	or	or	CCONJ
easat-7654	156	8	fintech	fintech	NOUN
easat-7654	156	9	,	,	PUNCT
easat-7654	156	10	have	have	AUX
easat-7654	156	11	shown	show	VERB
easat-7654	156	12	that	that	SCONJ
easat-7654	156	13	price	price	NOUN
easat-7654	156	14	value	value	NOUN
easat-7654	156	15	influences	influence	VERB
easat-7654	156	16	people	people	NOUN
easat-7654	156	17	's	's	PART
easat-7654	156	18	incentive	incentive	NOUN
easat-7654	156	19	to	to	PART
easat-7654	156	20	utilize	utilize	VERB
easat-7654	156	21	a	a	DET
easat-7654	156	22	tool	tool	NOUN
easat-7654	156	23	[	[	X
easat-7654	156	24	43	43	NUM
easat-7654	156	25	]	]	PUNCT
easat-7654	156	26	.	.	PUNCT
easat-7654	157	1	in	in	ADP
easat-7654	157	2	summary	summary	NOUN
easat-7654	157	3	,	,	PUNCT
easat-7654	157	4	"	"	PUNCT
easat-7654	157	5	price	price	NOUN
easat-7654	157	6	value	value	NOUN
easat-7654	157	7	"	"	PUNCT
easat-7654	157	8	describes	describe	VERB
easat-7654	157	9	the	the	DET
easat-7654	157	10	balance	balance	NOUN
easat-7654	157	11	between	between	ADP
easat-7654	157	12	the	the	DET
easat-7654	157	13	benefits	benefit	NOUN
easat-7654	157	14	a	a	DET
easat-7654	157	15	customer	customer	NOUN
easat-7654	157	16	receives	receive	VERB
easat-7654	157	17	and	and	CCONJ
easat-7654	157	18	the	the	DET
easat-7654	157	19	costs	cost	NOUN
easat-7654	157	20	incurred	incur	VERB
easat-7654	157	21	when	when	SCONJ
easat-7654	157	22	acquiring	acquire	VERB
easat-7654	157	23	that	that	DET
easat-7654	157	24	technology	technology	NOUN
easat-7654	157	25	,	,	PUNCT
easat-7654	157	26	such	such	DET
easat-7654	157	27	an	an	DET
easat-7654	157	28	online	online	ADJ
easat-7654	157	29	loan	loan	NOUN
easat-7654	157	30	.	.	PUNCT
easat-7654	158	1	the	the	DET
easat-7654	158	2	following	follow	VERB
easat-7654	158	3	theory	theory	NOUN
easat-7654	158	4	is	be	AUX
easat-7654	158	5	proposed	propose	VERB
easat-7654	158	6	in	in	ADP
easat-7654	158	7	view	view	NOUN
easat-7654	158	8	of	of	ADP
easat-7654	158	9	the	the	DET
easat-7654	158	10	previously	previously	ADV
easat-7654	158	11	mentioned	mention	VERB
easat-7654	158	12	:	:	PUNCT
easat-7654	158	13	h8	h8	NOUN
easat-7654	158	14	:	:	PUNCT
easat-7654	158	15	price	price	NOUN
easat-7654	158	16	value	value	NOUN
easat-7654	158	17	has	have	VERB
easat-7654	158	18	a	a	DET
easat-7654	158	19	positive	positive	ADJ
easat-7654	158	20	impact	impact	NOUN
easat-7654	158	21	on	on	ADP
easat-7654	158	22	digital	digital	ADJ
easat-7654	158	23	financial	financial	ADJ
easat-7654	158	24	literacy	literacy	NOUN
easat-7654	158	25	.	.	PUNCT
easat-7654	159	1	2.4.9	2.4.9	X
easat-7654	159	2	.	.	PUNCT
easat-7654	159	3	does	do	VERB
easat-7654	159	4	price	price	NOUN
easat-7654	159	5	value	value	NOUN
easat-7654	159	6	influence	influence	NOUN
easat-7654	159	7	hedonic	hedonic	ADJ
easat-7654	159	8	motivation	motivation	NOUN
easat-7654	159	9	?	?	PUNCT
easat-7654	160	1	research	research	NOUN
easat-7654	160	2	has	have	AUX
easat-7654	160	3	shown	show	VERB
easat-7654	160	4	that	that	SCONJ
easat-7654	160	5	the	the	DET
easat-7654	160	6	relationship	relationship	NOUN
easat-7654	160	7	between	between	ADP
easat-7654	160	8	price	price	NOUN
easat-7654	160	9	value	value	NOUN
easat-7654	160	10	and	and	CCONJ
easat-7654	160	11	hedonic	hedonic	ADJ
easat-7654	160	12	motivation	motivation	NOUN
easat-7654	160	13	yielded	yield	VERB
easat-7654	160	14	significant	significant	ADJ
easat-7654	160	15	results	result	NOUN
easat-7654	160	16	[	[	X
easat-7654	160	17	44	44	NUM
easat-7654	160	18	]	]	PUNCT
easat-7654	160	19	.	.	PUNCT
easat-7654	161	1	the	the	DET
easat-7654	161	2	study	study	NOUN
easat-7654	161	3	found	find	VERB
easat-7654	161	4	a	a	DET
easat-7654	161	5	complex	complex	ADJ
easat-7654	161	6	relationship	relationship	NOUN
easat-7654	161	7	between	between	ADP
easat-7654	161	8	hedonic	hedonic	ADJ
easat-7654	161	9	motivation	motivation	NOUN
easat-7654	161	10	and	and	CCONJ
easat-7654	161	11	price	price	NOUN
easat-7654	161	12	value	value	NOUN
easat-7654	161	13	.	.	PUNCT
easat-7654	162	1	customers	customer	NOUN
easat-7654	162	2	with	with	ADP
easat-7654	162	3	higher	high	ADJ
easat-7654	162	4	levels	level	NOUN
easat-7654	162	5	of	of	ADP
easat-7654	162	6	hedonic	hedonic	ADJ
easat-7654	162	7	motivation	motivation	NOUN
easat-7654	162	8	appear	appear	VERB
easat-7654	162	9	to	to	PART
easat-7654	162	10	be	be	AUX
easat-7654	162	11	more	more	ADJ
easat-7654	162	12	price	price	NOUN
easat-7654	162	13	-	-	PUNCT
easat-7654	162	14	tolerant	tolerant	ADJ
easat-7654	162	15	.	.	PUNCT
easat-7654	163	1	however	however	ADV
easat-7654	163	2	,	,	PUNCT
easat-7654	163	3	if	if	SCONJ
easat-7654	163	4	the	the	DET
easat-7654	163	5	price	price	NOUN
easat-7654	163	6	value	value	NOUN
easat-7654	163	7	is	be	AUX
easat-7654	163	8	too	too	ADV
easat-7654	163	9	low	low	ADJ
easat-7654	163	10	,	,	PUNCT
easat-7654	163	11	consumers	consumer	NOUN
easat-7654	163	12	'	'	PART
easat-7654	163	13	hedonic	hedonic	ADJ
easat-7654	163	14	motivation	motivation	NOUN
easat-7654	163	15	might	might	AUX
easat-7654	163	16	be	be	AUX
easat-7654	163	17	reduced	reduce	VERB
easat-7654	163	18	.	.	PUNCT
easat-7654	164	1	the	the	DET
easat-7654	164	2	following	follow	VERB
easat-7654	164	3	theory	theory	NOUN
easat-7654	164	4	is	be	AUX
easat-7654	164	5	proposed	propose	VERB
easat-7654	164	6	in	in	ADP
easat-7654	164	7	view	view	NOUN
easat-7654	164	8	of	of	ADP
easat-7654	164	9	the	the	DET
easat-7654	164	10	previously	previously	ADV
easat-7654	164	11	mentioned	mention	VERB
easat-7654	164	12	:	:	PUNCT
easat-7654	164	13	h9	h9	NOUN
easat-7654	164	14	:	:	PUNCT
easat-7654	164	15	price	price	NOUN
easat-7654	164	16	value	value	NOUN
easat-7654	164	17	has	have	VERB
easat-7654	164	18	a	a	DET
easat-7654	164	19	positive	positive	ADJ
easat-7654	164	20	impact	impact	NOUN
easat-7654	164	21	on	on	ADP
easat-7654	164	22	hedonic	hedonic	ADJ
easat-7654	164	23	motivation	motivation	NOUN
easat-7654	164	24	.	.	PUNCT
easat-7654	165	1	2.4.10	2.4.10	X
easat-7654	165	2	.	.	PUNCT
easat-7654	166	1	does	do	VERB
easat-7654	166	2	digital	digital	ADJ
easat-7654	166	3	financial	financial	ADJ
easat-7654	166	4	literacy	literacy	NOUN
easat-7654	166	5	influence	influence	NOUN
easat-7654	166	6	hedonic	hedonic	ADJ
easat-7654	166	7	motivation	motivation	NOUN
easat-7654	166	8	?	?	PUNCT
easat-7654	167	1	digital	digital	ADJ
easat-7654	167	2	financial	financial	ADJ
easat-7654	167	3	literacy	literacy	NOUN
easat-7654	167	4	is	be	AUX
easat-7654	167	5	the	the	DET
easat-7654	167	6	capacity	capacity	NOUN
easat-7654	167	7	to	to	PART
easat-7654	167	8	understand	understand	VERB
easat-7654	167	9	financial	financial	ADJ
easat-7654	167	10	ideas	idea	NOUN
easat-7654	167	11	and	and	CCONJ
easat-7654	167	12	practices	practice	NOUN
easat-7654	167	13	in	in	ADP
easat-7654	167	14	a	a	DET
easat-7654	167	15	digital	digital	ADJ
easat-7654	167	16	environment	environment	NOUN
easat-7654	167	17	[	[	X
easat-7654	167	18	12	12	NUM
easat-7654	167	19	]	]	PUNCT
easat-7654	167	20	.	.	PUNCT
easat-7654	168	1	aside	aside	ADV
easat-7654	168	2	from	from	ADP
easat-7654	168	3	knowledge	knowledge	NOUN
easat-7654	168	4	,	,	PUNCT
easat-7654	168	5	skills	skill	NOUN
easat-7654	168	6	,	,	PUNCT
easat-7654	168	7	and	and	CCONJ
easat-7654	168	8	comprehension	comprehension	NOUN
easat-7654	168	9	,	,	PUNCT
easat-7654	168	10	another	another	DET
easat-7654	168	11	component	component	NOUN
easat-7654	168	12	of	of	ADP
easat-7654	168	13	digital	digital	ADJ
easat-7654	168	14	financial	financial	ADJ
easat-7654	168	15	literacy	literacy	NOUN
easat-7654	168	16	is	be	AUX
easat-7654	168	17	the	the	DET
easat-7654	168	18	user	user	NOUN
easat-7654	168	19	's	's	PART
easat-7654	168	20	capacity	capacity	NOUN
easat-7654	168	21	to	to	PART
easat-7654	168	22	protect	protect	VERB
easat-7654	168	23	themselves	themselves	PRON
easat-7654	168	24	against	against	ADP
easat-7654	168	25	fraud	fraud	NOUN
easat-7654	168	26	and	and	CCONJ
easat-7654	168	27	cybersecurity	cybersecurity	NOUN
easat-7654	168	28	threats	threat	NOUN
easat-7654	168	29	.	.	PUNCT
easat-7654	169	1	numerous	numerous	ADJ
easat-7654	169	2	studies	study	NOUN
easat-7654	169	3	have	have	AUX
easat-7654	169	4	demonstrated	demonstrate	VERB
easat-7654	169	5	a	a	DET
easat-7654	169	6	substantial	substantial	ADJ
easat-7654	169	7	correlation	correlation	NOUN
easat-7654	169	8	between	between	ADP
easat-7654	169	9	behavioral	behavioral	ADJ
easat-7654	169	10	intention	intention	NOUN
easat-7654	169	11	,	,	PUNCT
easat-7654	169	12	or	or	CCONJ
easat-7654	169	13	the	the	DET
easat-7654	169	14	adoption	adoption	NOUN
easat-7654	169	15	of	of	ADP
easat-7654	169	16	online	online	ADJ
easat-7654	169	17	lending	lending	NOUN
easat-7654	169	18	fintech	fintech	NOUN
easat-7654	169	19	,	,	PUNCT
easat-7654	169	20	and	and	CCONJ
easat-7654	169	21	digital	digital	ADJ
easat-7654	169	22	financial	financial	ADJ
easat-7654	169	23	literacy	literacy	NOUN
easat-7654	169	24	[	[	X
easat-7654	169	25	45	45	NUM
easat-7654	169	26	]	]	PUNCT
easat-7654	169	27	.	.	PUNCT
easat-7654	170	1	based	base	VERB
easat-7654	170	2	on	on	ADP
easat-7654	170	3	earlier	early	ADJ
easat-7654	170	4	research	research	NOUN
easat-7654	170	5	,	,	PUNCT
easat-7654	170	6	more	more	ADV
easat-7654	170	7	may	may	AUX
easat-7654	170	8	be	be	AUX
easat-7654	170	9	done	do	VERB
easat-7654	170	10	to	to	PART
easat-7654	170	11	examine	examine	VERB
easat-7654	170	12	the	the	DET
easat-7654	170	13	relationship	relationship	NOUN
easat-7654	170	14	between	between	ADP
easat-7654	170	15	digital	digital	ADJ
easat-7654	170	16	financial	financial	ADJ
easat-7654	170	17	literacy	literacy	NOUN
easat-7654	170	18	and	and	CCONJ
easat-7654	170	19	behavioral	behavioral	ADJ
easat-7654	170	20	intention	intention	NOUN
easat-7654	170	21	and	and	CCONJ
easat-7654	170	22	technology	technology	NOUN
easat-7654	170	23	adoption	adoption	NOUN
easat-7654	170	24	in	in	ADP
easat-7654	170	25	indonesia	indonesia	PROPN
easat-7654	170	26	.	.	PUNCT
easat-7654	171	1	consequently	consequently	ADV
easat-7654	171	2	,	,	PUNCT
easat-7654	171	3	the	the	DET
easat-7654	171	4	following	follow	VERB
easat-7654	171	5	hypothesis	hypothesis	NOUN
easat-7654	171	6	is	be	AUX
easat-7654	171	7	proposed	propose	VERB
easat-7654	171	8	.	.	PUNCT
easat-7654	172	1	h10	h10	NOUN
easat-7654	172	2	:	:	PUNCT
easat-7654	172	3	digital	digital	ADJ
easat-7654	172	4	financial	financial	ADJ
easat-7654	172	5	literacy	literacy	NOUN
easat-7654	172	6	has	have	VERB
easat-7654	172	7	a	a	DET
easat-7654	172	8	positive	positive	ADJ
easat-7654	172	9	impact	impact	NOUN
easat-7654	172	10	on	on	ADP
easat-7654	172	11	hedonic	hedonic	ADJ
easat-7654	172	12	motivation	motivation	NOUN
easat-7654	172	13	.	.	PUNCT
easat-7654	173	1	2.4.11	2.4.11	NUM
easat-7654	173	2	.	.	PUNCT
easat-7654	173	3	does	do	VERB
easat-7654	173	4	hedonic	hedonic	ADJ
easat-7654	173	5	motivation	motivation	NOUN
easat-7654	173	6	influence	influence	NOUN
easat-7654	173	7	behavioral	behavioral	ADJ
easat-7654	173	8	intention	intention	NOUN
easat-7654	173	9	?	?	PUNCT
easat-7654	174	1	the	the	DET
easat-7654	174	2	ability	ability	NOUN
easat-7654	174	3	to	to	PART
easat-7654	174	4	comprehend	comprehend	VERB
easat-7654	174	5	financial	financial	ADJ
easat-7654	174	6	concepts	concept	NOUN
easat-7654	174	7	and	and	CCONJ
easat-7654	174	8	procedures	procedure	NOUN
easat-7654	174	9	in	in	ADP
easat-7654	174	10	a	a	DET
easat-7654	174	11	digital	digital	ADJ
easat-7654	174	12	setting	setting	NOUN
easat-7654	174	13	is	be	AUX
easat-7654	174	14	known	know	VERB
easat-7654	174	15	as	as	ADP
easat-7654	174	16	digital	digital	ADJ
easat-7654	174	17	financial	financial	ADJ
easat-7654	174	18	literacy	literacy	NOUN
easat-7654	174	19	[	[	X
easat-7654	174	20	12	12	NUM
easat-7654	174	21	]	]	PUNCT
easat-7654	174	22	.	.	PUNCT
easat-7654	175	1	the	the	DET
easat-7654	175	2	ability	ability	NOUN
easat-7654	175	3	to	to	PART
easat-7654	175	4	defend	defend	VERB
easat-7654	175	5	oneself	oneself	PRON
easat-7654	175	6	against	against	ADP
easat-7654	175	7	fraud	fraud	NOUN
easat-7654	175	8	and	and	CCONJ
easat-7654	175	9	cybersecurity	cybersecurity	NOUN
easat-7654	175	10	dangers	danger	NOUN
easat-7654	175	11	is	be	AUX
easat-7654	175	12	another	another	DET
easat-7654	175	13	aspect	aspect	NOUN
easat-7654	175	14	of	of	ADP
easat-7654	175	15	digital	digital	ADJ
easat-7654	175	16	financial	financial	ADJ
easat-7654	175	17	literacy	literacy	NOUN
easat-7654	175	18	,	,	PUNCT
easat-7654	175	19	in	in	ADP
easat-7654	175	20	addition	addition	NOUN
easat-7654	175	21	to	to	ADP
easat-7654	175	22	knowledge	knowledge	NOUN
easat-7654	175	23	,	,	PUNCT
easat-7654	175	24	skills	skill	NOUN
easat-7654	175	25	,	,	PUNCT
easat-7654	175	26	and	and	CCONJ
easat-7654	175	27	comprehension	comprehension	NOUN
easat-7654	175	28	.	.	PUNCT
easat-7654	176	1	behavioral	behavioral	ADJ
easat-7654	176	2	intention	intention	NOUN
easat-7654	176	3	or	or	CCONJ
easat-7654	176	4	the	the	DET
easat-7654	176	5	adoption	adoption	NOUN
easat-7654	176	6	of	of	ADP
easat-7654	176	7	online	online	ADJ
easat-7654	176	8	lending	lending	NOUN
easat-7654	176	9	fintech	fintech	NOUN
easat-7654	176	10	has	have	AUX
easat-7654	176	11	been	be	AUX
easat-7654	176	12	shown	show	VERB
easat-7654	176	13	to	to	PART
easat-7654	176	14	be	be	AUX
easat-7654	176	15	significantly	significantly	ADV
easat-7654	176	16	correlated	correlate	VERB
easat-7654	176	17	with	with	ADP
easat-7654	176	18	digital	digital	ADJ
easat-7654	176	19	financial	financial	ADJ
easat-7654	176	20	literacy	literacy	NOUN
easat-7654	176	21	in	in	ADP
easat-7654	176	22	a	a	DET
easat-7654	176	23	number	number	NOUN
easat-7654	176	24	of	of	ADP
easat-7654	176	25	studies	study	NOUN
easat-7654	176	26	[	[	X
easat-7654	176	27	45	45	NUM
easat-7654	176	28	]	]	PUNCT
easat-7654	176	29	.	.	PUNCT
easat-7654	177	1	to	to	PART
easat-7654	177	2	fully	fully	ADV
easat-7654	177	3	understand	understand	VERB
easat-7654	177	4	the	the	DET
easat-7654	177	5	connection	connection	NOUN
easat-7654	177	6	between	between	ADP
easat-7654	177	7	digital	digital	ADJ
easat-7654	177	8	financial	financial	ADJ
easat-7654	177	9	literacy	literacy	NOUN
easat-7654	177	10	and	and	CCONJ
easat-7654	177	11	indonesian	indonesian	ADJ
easat-7654	177	12	technology	technology	NOUN
easat-7654	177	13	adoption	adoption	NOUN
easat-7654	177	14	and	and	CCONJ
easat-7654	177	15	behavioral	behavioral	ADJ
easat-7654	177	16	intention	intention	NOUN
easat-7654	177	17	,	,	PUNCT
easat-7654	177	18	more	more	ADJ
easat-7654	177	19	study	study	NOUN
easat-7654	177	20	is	be	AUX
easat-7654	177	21	needed	need	VERB
easat-7654	177	22	,	,	PUNCT
easat-7654	177	23	building	build	VERB
easat-7654	177	24	on	on	ADP
easat-7654	177	25	earlier	early	ADJ
easat-7654	177	26	findings	finding	NOUN
easat-7654	177	27	.	.	PUNCT
easat-7654	178	1	therefore	therefore	ADV
easat-7654	178	2	,	,	PUNCT
easat-7654	178	3	the	the	DET
easat-7654	178	4	following	following	ADJ
easat-7654	178	5	theory	theory	NOUN
easat-7654	178	6	is	be	AUX
easat-7654	178	7	put	put	VERB
easat-7654	178	8	forth	forth	ADV
easat-7654	178	9	.	.	PUNCT
easat-7654	179	1	h11	h11	NOUN
easat-7654	179	2	:	:	PUNCT
easat-7654	179	3	digital	digital	ADJ
easat-7654	179	4	hedonic	hedonic	ADJ
easat-7654	179	5	motivation	motivation	NOUN
easat-7654	179	6	has	have	VERB
easat-7654	179	7	a	a	DET
easat-7654	179	8	positive	positive	ADJ
easat-7654	179	9	impact	impact	NOUN
easat-7654	179	10	on	on	ADP
easat-7654	179	11	behavioral	behavioral	ADJ
easat-7654	179	12	intention	intention	NOUN
easat-7654	179	13	.	.	PUNCT
easat-7654	180	1	3140	3140	NUM
easat-7654	180	2	edelweiss	edelweiss	PROPN
easat-7654	180	3	applied	apply	VERB
easat-7654	180	4	science	science	NOUN
easat-7654	180	5	and	and	CCONJ
easat-7654	180	6	technology	technology	NOUN
easat-7654	180	7	issn	issn	PROPN
easat-7654	180	8	:	:	PUNCT
easat-7654	180	9	2576	2576	NUM
easat-7654	180	10	-	-	SYM
easat-7654	180	11	8484	8484	NUM
easat-7654	180	12	vol	vol	NOUN
easat-7654	180	13	.	.	PROPN
easat-7654	181	1	9	9	NUM
easat-7654	181	2	,	,	PUNCT
easat-7654	181	3	no	no	INTJ
easat-7654	181	4	.	.	NOUN
easat-7654	181	5	5	5	NUM
easat-7654	181	6	:	:	SYM
easat-7654	181	7	3134	3134	NUM
easat-7654	181	8	-	-	SYM
easat-7654	181	9	3148	3148	NUM
easat-7654	181	10	,	,	PUNCT
easat-7654	181	11	2025	2025	NUM
easat-7654	181	12	doi	doi	NOUN
easat-7654	181	13	:	:	PUNCT
easat-7654	181	14	10.55214/25768484.v9i5.7654	10.55214/25768484.v9i5.7654	NUM
easat-7654	181	15	©	©	NOUN
easat-7654	181	16	2025	2025	NUM
easat-7654	181	17	by	by	ADP
easat-7654	181	18	the	the	DET
easat-7654	181	19	authors	author	NOUN
easat-7654	181	20	;	;	PUNCT
easat-7654	181	21	licensee	licensee	PROPN
easat-7654	181	22	learning	learning	NOUN
easat-7654	181	23	gate	gate	NOUN
easat-7654	181	24	3	3	NUM
easat-7654	181	25	.	.	PUNCT
easat-7654	181	26	methods	method	NOUN
easat-7654	181	27	3.1	3.1	NUM
easat-7654	181	28	.	.	PUNCT
easat-7654	182	1	data	datum	NOUN
easat-7654	182	2	collection	collection	NOUN
easat-7654	182	3	the	the	DET
easat-7654	182	4	research	research	NOUN
easat-7654	182	5	method	method	NOUN
easat-7654	182	6	used	use	VERB
easat-7654	182	7	in	in	ADP
easat-7654	182	8	this	this	DET
easat-7654	182	9	study	study	NOUN
easat-7654	182	10	is	be	AUX
easat-7654	182	11	quantitative	quantitative	ADJ
easat-7654	182	12	,	,	PUNCT
easat-7654	182	13	once	once	SCONJ
easat-7654	182	14	the	the	DET
easat-7654	182	15	questionnaires	questionnaire	NOUN
easat-7654	182	16	pass	pass	VERB
easat-7654	182	17	the	the	DET
easat-7654	182	18	validity	validity	NOUN
easat-7654	182	19	and	and	CCONJ
easat-7654	182	20	reliability	reliability	NOUN
easat-7654	182	21	tests	test	NOUN
easat-7654	182	22	;	;	PUNCT
easat-7654	182	23	the	the	DET
easat-7654	182	24	questionnaires	questionnaire	NOUN
easat-7654	182	25	will	will	AUX
easat-7654	182	26	be	be	AUX
easat-7654	182	27	distributed	distribute	VERB
easat-7654	182	28	according	accord	VERB
easat-7654	182	29	to	to	ADP
easat-7654	182	30	the	the	DET
easat-7654	182	31	calculated	calculate	VERB
easat-7654	182	32	target	target	NOUN
easat-7654	182	33	number	number	NOUN
easat-7654	182	34	of	of	ADP
easat-7654	182	35	respondents	respondent	NOUN
easat-7654	182	36	who	who	PRON
easat-7654	182	37	are	be	AUX
easat-7654	182	38	interested	interested	ADJ
easat-7654	182	39	in	in	ADP
easat-7654	182	40	or	or	CCONJ
easat-7654	182	41	are	be	AUX
easat-7654	182	42	currently	currently	ADV
easat-7654	182	43	using	use	VERB
easat-7654	182	44	online	online	ADJ
easat-7654	182	45	loan	loan	NOUN
easat-7654	182	46	applications	application	NOUN
easat-7654	182	47	and	and	CCONJ
easat-7654	182	48	distributing	distribute	VERB
easat-7654	182	49	questionnaires	questionnaire	NOUN
easat-7654	182	50	to	to	ADP
easat-7654	182	51	414	414	NUM
easat-7654	182	52	respondents	respondent	NOUN
easat-7654	182	53	[	[	X
easat-7654	182	54	40	40	NUM
easat-7654	182	55	]	]	PUNCT
easat-7654	182	56	.	.	PUNCT
easat-7654	183	1	data	datum	NOUN
easat-7654	183	2	was	be	AUX
easat-7654	183	3	collected	collect	VERB
easat-7654	183	4	using	use	VERB
easat-7654	183	5	a	a	DET
easat-7654	183	6	questionnaire	questionnaire	NOUN
easat-7654	183	7	distributed	distribute	VERB
easat-7654	183	8	through	through	ADP
easat-7654	183	9	google	google	PROPN
easat-7654	183	10	forms	form	NOUN
easat-7654	183	11	.	.	PUNCT
easat-7654	184	1	respondents	respondent	NOUN
easat-7654	184	2	answered	answer	VERB
easat-7654	184	3	questions	question	NOUN
easat-7654	184	4	using	use	VERB
easat-7654	184	5	a	a	DET
easat-7654	184	6	likert	likert	ADJ
easat-7654	184	7	scale	scale	NOUN
easat-7654	184	8	.	.	PUNCT
easat-7654	185	1	the	the	DET
easat-7654	185	2	questionnaire	questionnaire	NOUN
easat-7654	185	3	was	be	AUX
easat-7654	185	4	disseminated	disseminate	VERB
easat-7654	185	5	to	to	ADP
easat-7654	185	6	students	student	NOUN
easat-7654	185	7	who	who	PRON
easat-7654	185	8	are	be	AUX
easat-7654	185	9	interested	interested	ADJ
easat-7654	185	10	in	in	ADP
easat-7654	185	11	or	or	CCONJ
easat-7654	185	12	currently	currently	ADV
easat-7654	185	13	using	use	VERB
easat-7654	185	14	online	online	ADJ
easat-7654	185	15	loan	loan	NOUN
easat-7654	185	16	applications	application	NOUN
easat-7654	185	17	.	.	PUNCT
easat-7654	186	1	the	the	DET
easat-7654	186	2	data	datum	NOUN
easat-7654	186	3	from	from	ADP
easat-7654	186	4	this	this	DET
easat-7654	186	5	research	research	NOUN
easat-7654	186	6	can	can	AUX
easat-7654	186	7	be	be	AUX
easat-7654	186	8	accessed	access	VERB
easat-7654	186	9	through	through	ADP
easat-7654	186	10	our	our	PRON
easat-7654	186	11	open	open	ADJ
easat-7654	186	12	data	data	NOUN
easat-7654	186	13	portal	portal	NOUN
easat-7654	186	14	[	[	X
easat-7654	186	15	data	datum	NOUN
easat-7654	186	16	portal	portal	NOUN
easat-7654	186	17	]	]	PUNCT
easat-7654	186	18	.	.	PUNCT
easat-7654	187	1	by	by	ADP
easat-7654	187	2	making	make	VERB
easat-7654	187	3	this	this	DET
easat-7654	187	4	research	research	NOUN
easat-7654	187	5	data	datum	NOUN
easat-7654	187	6	publicly	publicly	ADV
easat-7654	187	7	available	available	ADJ
easat-7654	187	8	,	,	PUNCT
easat-7654	187	9	we	we	PRON
easat-7654	187	10	aim	aim	VERB
easat-7654	187	11	to	to	PART
easat-7654	187	12	support	support	VERB
easat-7654	187	13	further	further	ADJ
easat-7654	187	14	study	study	NOUN
easat-7654	187	15	and	and	CCONJ
easat-7654	187	16	encourage	encourage	VERB
easat-7654	187	17	collaboration	collaboration	NOUN
easat-7654	187	18	across	across	ADP
easat-7654	187	19	various	various	ADJ
easat-7654	187	20	fields	field	NOUN
easat-7654	187	21	.	.	PUNCT
easat-7654	188	1	3.2	3.2	NUM
easat-7654	188	2	.	.	PUNCT
easat-7654	189	1	measurement	measurement	NOUN
easat-7654	189	2	items	item	NOUN
easat-7654	189	3	development	development	VERB
easat-7654	189	4	the	the	DET
easat-7654	189	5	population	population	NOUN
easat-7654	189	6	refers	refer	VERB
easat-7654	189	7	to	to	ADP
easat-7654	189	8	the	the	DET
easat-7654	189	9	target	target	NOUN
easat-7654	189	10	group	group	NOUN
easat-7654	189	11	or	or	CCONJ
easat-7654	189	12	individuals	individual	NOUN
easat-7654	189	13	whose	whose	DET
easat-7654	189	14	characteristics	characteristic	NOUN
easat-7654	189	15	a	a	DET
easat-7654	189	16	researcher	researcher	NOUN
easat-7654	189	17	aims	aim	VERB
easat-7654	189	18	to	to	PART
easat-7654	189	19	study	study	VERB
easat-7654	189	20	[	[	X
easat-7654	189	21	46	46	NUM
easat-7654	189	22	]	]	PUNCT
easat-7654	189	23	.	.	PUNCT
easat-7654	190	1	based	base	VERB
easat-7654	190	2	on	on	ADP
easat-7654	190	3	the	the	DET
easat-7654	190	4	background	background	NOUN
easat-7654	190	5	and	and	CCONJ
easat-7654	190	6	variables	variable	NOUN
easat-7654	190	7	of	of	ADP
easat-7654	190	8	this	this	DET
easat-7654	190	9	research	research	NOUN
easat-7654	190	10	,	,	PUNCT
easat-7654	190	11	the	the	DET
easat-7654	190	12	researcher	researcher	NOUN
easat-7654	190	13	has	have	AUX
easat-7654	190	14	determined	determine	VERB
easat-7654	190	15	that	that	SCONJ
easat-7654	190	16	the	the	DET
easat-7654	190	17	respondents	respondent	NOUN
easat-7654	190	18	for	for	ADP
easat-7654	190	19	this	this	DET
easat-7654	190	20	study	study	NOUN
easat-7654	190	21	are	be	AUX
easat-7654	190	22	students	student	NOUN
easat-7654	190	23	residing	reside	VERB
easat-7654	190	24	in	in	ADP
easat-7654	190	25	dki	dki	PROPN
easat-7654	190	26	jakarta	jakarta	PROPN
easat-7654	190	27	who	who	PRON
easat-7654	190	28	,	,	PUNCT
easat-7654	190	29	at	at	ADP
easat-7654	190	30	the	the	DET
easat-7654	190	31	time	time	NOUN
easat-7654	190	32	of	of	ADP
easat-7654	190	33	completing	complete	VERB
easat-7654	190	34	the	the	DET
easat-7654	190	35	questionnaire	questionnaire	NOUN
easat-7654	190	36	,	,	PUNCT
easat-7654	190	37	are	be	AUX
easat-7654	190	38	either	either	CCONJ
easat-7654	190	39	interested	interested	ADJ
easat-7654	190	40	in	in	ADP
easat-7654	190	41	or	or	CCONJ
easat-7654	190	42	currently	currently	ADV
easat-7654	190	43	using	use	VERB
easat-7654	190	44	online	online	ADJ
easat-7654	190	45	loan	loan	NOUN
easat-7654	190	46	applications	application	NOUN
easat-7654	190	47	,	,	PUNCT
easat-7654	190	48	such	such	ADJ
easat-7654	190	49	as	as	ADP
easat-7654	190	50	akulaku	akulaku	PROPN
easat-7654	190	51	,	,	PUNCT
easat-7654	190	52	kredivo	kredivo	ADJ
easat-7654	190	53	,	,	PUNCT
easat-7654	190	54	easycash	easycash	NOUN
easat-7654	190	55	,	,	PUNCT
easat-7654	190	56	adakami	adakami	ADJ
easat-7654	190	57	,	,	PUNCT
easat-7654	190	58	spinjam	spinjam	NOUN
easat-7654	190	59	,	,	PUNCT
easat-7654	190	60	and	and	CCONJ
easat-7654	190	61	so	so	ADV
easat-7654	190	62	on	on	ADV
easat-7654	190	63	.	.	PUNCT
easat-7654	191	1	according	accord	VERB
easat-7654	191	2	to	to	ADP
easat-7654	191	3	the	the	DET
easat-7654	191	4	fintech	fintech	NOUN
easat-7654	191	5	lending	lending	NOUN
easat-7654	191	6	statistics	statistic	NOUN
easat-7654	191	7	report	report	VERB
easat-7654	191	8	from	from	ADP
easat-7654	191	9	the	the	DET
easat-7654	191	10	official	official	ADJ
easat-7654	191	11	website	website	NOUN
easat-7654	191	12	of	of	ADP
easat-7654	191	13	the	the	DET
easat-7654	191	14	financial	financial	ADJ
easat-7654	191	15	services	service	NOUN
easat-7654	191	16	authority	authority	NOUN
easat-7654	191	17	(	(	PUNCT
easat-7654	191	18	ojk	ojk	NOUN
easat-7654	191	19	)	)	PUNCT
easat-7654	191	20	,	,	PUNCT
easat-7654	191	21	the	the	DET
easat-7654	191	22	total	total	ADJ
easat-7654	191	23	number	number	NOUN
easat-7654	191	24	of	of	ADP
easat-7654	191	25	loan	loan	NOUN
easat-7654	191	26	recipients	recipient	NOUN
easat-7654	191	27	in	in	ADP
easat-7654	191	28	dki	dki	PROPN
easat-7654	191	29	jakarta	jakarta	PROPN
easat-7654	191	30	is	be	AUX
easat-7654	191	31	1,635,799	1,635,799	NUM
easat-7654	191	32	users	user	NOUN
easat-7654	191	33	,	,	PUNCT
easat-7654	191	34	with	with	ADP
easat-7654	191	35	a	a	DET
easat-7654	191	36	total	total	ADJ
easat-7654	191	37	loan	loan	NOUN
easat-7654	191	38	amount	amount	NOUN
easat-7654	191	39	of	of	ADP
easat-7654	191	40	rp	rp	NOUN
easat-7654	191	41	.	.	PUNCT
easat-7654	192	1	4,261.64	4,261.64	NUM
easat-7654	192	2	billion	billion	NUM
easat-7654	192	3	.	.	PUNCT
easat-7654	193	1	this	this	DET
easat-7654	193	2	total	total	NOUN
easat-7654	193	3	will	will	AUX
easat-7654	193	4	be	be	AUX
easat-7654	193	5	used	use	VERB
easat-7654	193	6	by	by	ADP
easat-7654	193	7	the	the	DET
easat-7654	193	8	researcher	researcher	NOUN
easat-7654	193	9	as	as	ADP
easat-7654	193	10	the	the	DET
easat-7654	193	11	total	total	ADJ
easat-7654	193	12	population	population	NOUN
easat-7654	193	13	for	for	ADP
easat-7654	193	14	this	this	DET
easat-7654	193	15	study	study	NOUN
easat-7654	193	16	.	.	PUNCT
easat-7654	194	1	3.3	3.3	NUM
easat-7654	194	2	.	.	PUNCT
easat-7654	195	1	respondent	respondent	VERB
easat-7654	195	2	demographic	demographic	ADJ
easat-7654	195	3	profile	profile	NOUN
easat-7654	195	4	the	the	DET
easat-7654	195	5	research	research	NOUN
easat-7654	195	6	object	object	NOUN
easat-7654	195	7	in	in	ADP
easat-7654	195	8	this	this	DET
easat-7654	195	9	study	study	NOUN
easat-7654	195	10	is	be	AUX
easat-7654	195	11	students	student	NOUN
easat-7654	195	12	who	who	PRON
easat-7654	195	13	are	be	AUX
easat-7654	195	14	interested	interested	ADJ
easat-7654	195	15	in	in	ADP
easat-7654	195	16	or	or	CCONJ
easat-7654	195	17	are	be	AUX
easat-7654	195	18	currently	currently	ADV
easat-7654	195	19	using	use	VERB
easat-7654	195	20	online	online	ADJ
easat-7654	195	21	loan	loan	NOUN
easat-7654	195	22	applications	application	NOUN
easat-7654	195	23	in	in	ADP
easat-7654	195	24	the	the	DET
easat-7654	195	25	dki	dki	PROPN
easat-7654	195	26	jakarta	jakarta	PROPN
easat-7654	195	27	area	area	PROPN
easat-7654	195	28	.	.	PUNCT
easat-7654	196	1	there	there	PRON
easat-7654	196	2	is	be	VERB
easat-7654	196	3	no	no	DET
easat-7654	196	4	age	age	NOUN
easat-7654	196	5	limit	limit	NOUN
easat-7654	196	6	for	for	ADP
easat-7654	196	7	these	these	DET
easat-7654	196	8	individuals	individual	NOUN
easat-7654	196	9	,	,	PUNCT
easat-7654	196	10	but	but	CCONJ
easat-7654	196	11	the	the	DET
easat-7654	196	12	requirement	requirement	NOUN
easat-7654	196	13	is	be	AUX
easat-7654	196	14	that	that	SCONJ
easat-7654	196	15	they	they	PRON
easat-7654	196	16	are	be	AUX
easat-7654	196	17	legally	legally	ADV
easat-7654	196	18	considered	consider	VERB
easat-7654	196	19	as	as	SCONJ
easat-7654	196	20	students	student	NOUN
easat-7654	196	21	so	so	SCONJ
easat-7654	196	22	they	they	PRON
easat-7654	196	23	can	can	AUX
easat-7654	196	24	register	register	VERB
easat-7654	196	25	to	to	PART
easat-7654	196	26	use	use	VERB
easat-7654	196	27	online	online	ADJ
easat-7654	196	28	loan	loan	NOUN
easat-7654	196	29	applications	application	NOUN
easat-7654	196	30	,	,	PUNCT
easat-7654	196	31	considering	consider	VERB
easat-7654	196	32	that	that	SCONJ
easat-7654	196	33	the	the	DET
easat-7654	196	34	registration	registration	NOUN
easat-7654	196	35	process	process	NOUN
easat-7654	196	36	for	for	ADP
easat-7654	196	37	online	online	ADJ
easat-7654	196	38	loan	loan	NOUN
easat-7654	196	39	applications	application	NOUN
easat-7654	196	40	requires	require	VERB
easat-7654	196	41	an	an	DET
easat-7654	196	42	identity	identity	NOUN
easat-7654	196	43	card	card	NOUN
easat-7654	196	44	(	(	PUNCT
easat-7654	196	45	ktp	ktp	NOUN
easat-7654	196	46	)	)	PUNCT
easat-7654	196	47	.	.	PUNCT
easat-7654	197	1	this	this	DET
easat-7654	197	2	table	table	NOUN
easat-7654	197	3	1	1	NUM
easat-7654	197	4	and	and	CCONJ
easat-7654	197	5	2	2	NUM
easat-7654	197	6	below	below	ADP
easat-7654	197	7	shows	show	NOUN
easat-7654	197	8	about	about	ADP
easat-7654	197	9	respondent	respondent	NOUN
easat-7654	197	10	feature	feature	NOUN
easat-7654	197	11	profile	profile	NOUN
easat-7654	197	12	and	and	CCONJ
easat-7654	197	13	respondent	respondent	NOUN
easat-7654	197	14	characteristics	characteristic	NOUN
easat-7654	197	15	base	base	NOUN
easat-7654	197	16	on	on	ADP
easat-7654	197	17	this	this	DET
easat-7654	197	18	research	research	NOUN
easat-7654	197	19	,	,	PUNCT
easat-7654	197	20	table	table	NOUN
easat-7654	197	21	3	3	NUM
easat-7654	197	22	below	below	ADV
easat-7654	197	23	shows	show	VERB
easat-7654	197	24	the	the	DET
easat-7654	197	25	result	result	NOUN
easat-7654	197	26	of	of	ADP
easat-7654	197	27	validity	validity	NOUN
easat-7654	197	28	test	test	NOUN
easat-7654	197	29	based	base	VERB
easat-7654	197	30	on	on	ADP
easat-7654	197	31	this	this	DET
easat-7654	197	32	research	research	NOUN
easat-7654	197	33	and	and	CCONJ
easat-7654	197	34	data	datum	NOUN
easat-7654	197	35	processing	processing	NOUN
easat-7654	197	36	using	use	VERB
easat-7654	197	37	smart	smart	ADJ
easat-7654	197	38	pls	pls	NOUN
easat-7654	197	39	4.0	4.0	NUM
easat-7654	197	40	.	.	PUNCT
easat-7654	197	41	table	table	NOUN
easat-7654	197	42	1	1	NUM
easat-7654	197	43	.	.	PUNCT
easat-7654	198	1	surveys	survey	NOUN
easat-7654	198	2	:	:	PUNCT
easat-7654	198	3	feature	feature	NOUN
easat-7654	198	4	profile	profile	NOUN
easat-7654	198	5	.	.	PUNCT
easat-7654	199	1	variable	variable	ADJ
easat-7654	199	2	respondent	respondent	NOUN
easat-7654	199	3	profile	profile	NOUN
easat-7654	199	4	profile	profile	NOUN
easat-7654	199	5	frequency	frequency	NOUN
easat-7654	199	6	percentage	percentage	NOUN
easat-7654	199	7	gender	gender	NOUN
easat-7654	199	8	male	male	NOUN
easat-7654	199	9	213	213	NUM
easat-7654	199	10	51.4	51.4	NUM
easat-7654	199	11	%	%	NOUN
easat-7654	199	12	female	female	ADJ
easat-7654	199	13	201	201	NUM
easat-7654	199	14	48.6	48.6	NUM
easat-7654	199	15	%	%	NOUN
easat-7654	199	16	domicile	domicile	NOUN
easat-7654	199	17	west	west	PROPN
easat-7654	199	18	jakarta	jakarta	PROPN
easat-7654	199	19	125	125	NUM
easat-7654	199	20	30.2	30.2	NUM
easat-7654	199	21	%	%	NOUN
easat-7654	199	22	east	east	PROPN
easat-7654	199	23	jakarta	jakarta	PROPN
easat-7654	199	24	62	62	NUM
easat-7654	199	25	15	15	NUM
easat-7654	199	26	%	%	NOUN
easat-7654	199	27	south	south	PROPN
easat-7654	199	28	jakarta	jakarta	PROPN
easat-7654	199	29	101	101	NUM
easat-7654	199	30	24.2	24.2	NUM
easat-7654	199	31	%	%	NOUN
easat-7654	199	32	north	north	NOUN
easat-7654	199	33	jakarta	jakarta	PROPN
easat-7654	199	34	63	63	NUM
easat-7654	199	35	15.2	15.2	NUM
easat-7654	199	36	%	%	NOUN
easat-7654	199	37	central	central	ADJ
easat-7654	199	38	jakarta	jakarta	PROPN
easat-7654	199	39	63	63	NUM
easat-7654	199	40	15.2	15.2	NUM
easat-7654	199	41	%	%	NOUN
easat-7654	199	42	age	age	NOUN
easat-7654	199	43	<	<	NOUN
easat-7654	199	44	20	20	NUM
easat-7654	199	45	years	year	NOUN
easat-7654	199	46	93	93	NUM
easat-7654	199	47	22.5	22.5	NUM
easat-7654	199	48	%	%	NOUN
easat-7654	199	49	20	20	NUM
easat-7654	199	50	-	-	SYM
easat-7654	199	51	24	24	NUM
easat-7654	199	52	years	year	NOUN
easat-7654	199	53	289	289	NUM
easat-7654	199	54	69.8	69.8	NUM
easat-7654	199	55	%	%	NOUN
easat-7654	199	56	25	25	NUM
easat-7654	199	57	-	-	SYM
easat-7654	199	58	29	29	NUM
easat-7654	199	59	years	year	NOUN
easat-7654	199	60	10	10	NUM
easat-7654	199	61	2.4	2.4	NUM
easat-7654	199	62	%	%	NOUN
easat-7654	199	63	30	30	NUM
easat-7654	199	64	-	-	SYM
easat-7654	199	65	34	34	NUM
easat-7654	199	66	years	year	NOUN
easat-7654	199	67	13	13	NUM
easat-7654	199	68	3.1	3.1	NUM
easat-7654	199	69	%	%	NOUN
easat-7654	199	70	35	35	NUM
easat-7654	199	71	-	-	SYM
easat-7654	199	72	40	40	NUM
easat-7654	199	73	years	year	NOUN
easat-7654	199	74	7	7	NUM
easat-7654	199	75	1.7	1.7	NUM
easat-7654	199	76	%	%	NOUN
easat-7654	199	77	>	>	SYM
easat-7654	199	78	40	40	NUM
easat-7654	199	79	years	year	NOUN
easat-7654	199	80	2	2	NUM
easat-7654	199	81	0.5	0.5	NUM
easat-7654	199	82	%	%	NOUN
easat-7654	199	83	university	university	NOUN
easat-7654	199	84	bina	bina	PROPN
easat-7654	199	85	nusantara	nusantara	PROPN
easat-7654	199	86	university	university	PROPN
easat-7654	199	87	150	150	NUM
easat-7654	199	88	36.2	36.2	NUM
easat-7654	199	89	%	%	NOUN
easat-7654	199	90	trisakti	trisakti	PROPN
easat-7654	199	91	university	university	NOUN
easat-7654	199	92	19	19	NUM
easat-7654	199	93	4.6	4.6	NUM
easat-7654	199	94	%	%	NOUN
easat-7654	199	95	tarumanagara	tarumanagara	PROPN
easat-7654	199	96	university	university	NOUN
easat-7654	199	97	19	19	NUM
easat-7654	199	98	4.6	4.6	NUM
easat-7654	199	99	%	%	NOUN
easat-7654	199	100	3141	3141	NUM
easat-7654	199	101	edelweiss	edelweiss	PROPN
easat-7654	199	102	applied	apply	VERB
easat-7654	199	103	science	science	NOUN
easat-7654	199	104	and	and	CCONJ
easat-7654	199	105	technology	technology	NOUN
easat-7654	199	106	issn	issn	PROPN
easat-7654	199	107	:	:	PUNCT
easat-7654	199	108	2576	2576	NUM
easat-7654	199	109	-	-	SYM
easat-7654	199	110	8484	8484	NUM
easat-7654	199	111	vol	vol	NOUN
easat-7654	199	112	.	.	PROPN
easat-7654	200	1	9	9	NUM
easat-7654	200	2	,	,	PUNCT
easat-7654	200	3	no	no	INTJ
easat-7654	200	4	.	.	NOUN
easat-7654	200	5	5	5	NUM
easat-7654	200	6	:	:	SYM
easat-7654	200	7	3134	3134	NUM
easat-7654	200	8	-	-	SYM
easat-7654	200	9	3148	3148	NUM
easat-7654	200	10	,	,	PUNCT
easat-7654	200	11	2025	2025	NUM
easat-7654	200	12	doi	doi	NOUN
easat-7654	200	13	:	:	PUNCT
easat-7654	200	14	10.55214/25768484.v9i5.7654	10.55214/25768484.v9i5.7654	NUM
easat-7654	200	15	©	©	NOUN
easat-7654	200	16	2025	2025	NUM
easat-7654	200	17	by	by	ADP
easat-7654	200	18	the	the	DET
easat-7654	200	19	authors	author	NOUN
easat-7654	200	20	;	;	PUNCT
easat-7654	201	1	licensee	licensee	PROPN
easat-7654	201	2	learning	learn	VERB
easat-7654	201	3	gate	gate	PROPN
easat-7654	201	4	atma	atma	PROPN
easat-7654	201	5	jaya	jaya	PROPN
easat-7654	201	6	university	university	PROPN
easat-7654	201	7	35	35	NUM
easat-7654	201	8	8.5	8.5	NUM
easat-7654	201	9	%	%	NOUN
easat-7654	201	10	mercu	mercu	PROPN
easat-7654	201	11	buana	buana	PROPN
easat-7654	201	12	university	university	PROPN
easat-7654	201	13	18	18	NUM
easat-7654	201	14	4.3	4.3	NUM
easat-7654	201	15	%	%	NOUN
easat-7654	201	16	jakarta	jakarta	PROPN
easat-7654	201	17	veteran	veteran	PROPN
easat-7654	201	18	university	university	PROPN
easat-7654	201	19	24	24	NUM
easat-7654	201	20	5.8	5.8	NUM
easat-7654	201	21	%	%	NOUN
easat-7654	201	22	muhammadiyah	muhammadiyah	NOUN
easat-7654	201	23	university	university	NOUN
easat-7654	201	24	17	17	NUM
easat-7654	201	25	4.1	4.1	NUM
easat-7654	201	26	%	%	NOUN
easat-7654	201	27	budi	budi	PROPN
easat-7654	201	28	luhur	luhur	PROPN
easat-7654	201	29	university	university	PROPN
easat-7654	201	30	18	18	NUM
easat-7654	201	31	4.3	4.3	NUM
easat-7654	201	32	%	%	NOUN
easat-7654	201	33	jakarta	jakarta	PROPN
easat-7654	201	34	state	state	PROPN
easat-7654	201	35	university	university	PROPN
easat-7654	201	36	24	24	NUM
easat-7654	201	37	5.8	5.8	NUM
easat-7654	201	38	%	%	NOUN
easat-7654	201	39	krida	krida	NOUN
easat-7654	201	40	wacana	wacana	PROPN
easat-7654	201	41	university	university	PROPN
easat-7654	201	42	7	7	NUM
easat-7654	201	43	1.7	1.7	NUM
easat-7654	201	44	%	%	NOUN
easat-7654	201	45	esa	esa	PROPN
easat-7654	201	46	unggul	unggul	PROPN
easat-7654	201	47	university	university	PROPN
easat-7654	201	48	27	27	NUM
easat-7654	201	49	6.5	6.5	NUM
easat-7654	201	50	%	%	NOUN
easat-7654	201	51	borobudur	borobudur	NOUN
easat-7654	201	52	university	university	NOUN
easat-7654	201	53	34	34	NUM
easat-7654	201	54	8.2	8.2	NUM
easat-7654	201	55	%	%	NOUN
easat-7654	201	56	terbuka	terbuka	PROPN
easat-7654	201	57	university	university	NOUN
easat-7654	201	58	13	13	NUM
easat-7654	201	59	3.1	3.1	NUM
easat-7654	201	60	%	%	NOUN
easat-7654	201	61	current	current	ADJ
easat-7654	201	62	education	education	NOUN
easat-7654	201	63	diploma	diploma	NOUN
easat-7654	201	64	1	1	NUM
easat-7654	201	65	10	10	NUM
easat-7654	201	66	2.4	2.4	NUM
easat-7654	201	67	%	%	NOUN
easat-7654	201	68	diploma	diploma	NOUN
easat-7654	201	69	2	2	NUM
easat-7654	201	70	2	2	NUM
easat-7654	201	71	0.5	0.5	NUM
easat-7654	201	72	%	%	NOUN
easat-7654	201	73	diploma	diploma	NOUN
easat-7654	201	74	3	3	NUM
easat-7654	201	75	21	21	NUM
easat-7654	201	76	5.1	5.1	NUM
easat-7654	201	77	%	%	NOUN
easat-7654	201	78	diploma	diploma	NOUN
easat-7654	201	79	4	4	NUM
easat-7654	201	80	50	50	NUM
easat-7654	201	81	12.1	12.1	NUM
easat-7654	201	82	%	%	NOUN
easat-7654	201	83	bachelor's	bachelor'	NOUN
easat-7654	201	84	/	/	SYM
easat-7654	201	85	strata	strata	NOUN
easat-7654	201	86	1	1	NUM
easat-7654	201	87	303	303	NUM
easat-7654	201	88	73.2	73.2	NUM
easat-7654	201	89	%	%	NOUN
easat-7654	201	90	master's	master's	SYM
easat-7654	201	91	/	/	SYM
easat-7654	201	92	strata	strata	NOUN
easat-7654	201	93	2	2	NUM
easat-7654	201	94	25	25	NUM
easat-7654	201	95	6	6	NUM
easat-7654	201	96	%	%	NOUN
easat-7654	201	97	doctorate	doctorate	NOUN
easat-7654	201	98	/	/	SYM
easat-7654	201	99	strata	strata	NOUN
easat-7654	201	100	3	3	NUM
easat-7654	201	101	3	3	NUM
easat-7654	201	102	0.7	0.7	NUM
easat-7654	201	103	%	%	NOUN
easat-7654	201	104	table	table	NOUN
easat-7654	201	105	2	2	NUM
easat-7654	201	106	.	.	PUNCT
easat-7654	201	107	surveys	survey	NOUN
easat-7654	201	108	:	:	PUNCT
easat-7654	201	109	characteristics	characteristic	NOUN
easat-7654	201	110	of	of	ADP
easat-7654	201	111	respondents	respondent	NOUN
easat-7654	201	112	.	.	PUNCT
easat-7654	202	1	variable	variable	ADJ
easat-7654	202	2	respondent	respondent	NOUN
easat-7654	202	3	characteristics	characteristic	NOUN
easat-7654	202	4	profile	profile	NOUN
easat-7654	202	5	frequency	frequency	NOUN
easat-7654	202	6	percentage	percentage	NOUN
easat-7654	202	7	applications	application	NOUN
easat-7654	202	8	used	use	VERB
easat-7654	202	9	aku	aku	PROPN
easat-7654	202	10	laku	laku	NOUN
easat-7654	202	11	186	186	NUM
easat-7654	202	12	44.9	44.9	NUM
easat-7654	202	13	%	%	NOUN
easat-7654	202	14	kredivo	kredivo	NOUN
easat-7654	202	15	140	140	NUM
easat-7654	202	16	33.8	33.8	NUM
easat-7654	202	17	%	%	NOUN
easat-7654	202	18	easycash	easycash	NOUN
easat-7654	202	19	120	120	NUM
easat-7654	202	20	29	29	NUM
easat-7654	202	21	%	%	NOUN
easat-7654	202	22	adakami	adakami	NOUN
easat-7654	202	23	27	27	NUM
easat-7654	202	24	6.5	6.5	NUM
easat-7654	202	25	%	%	NOUN
easat-7654	202	26	spinjam	spinjam	NOUN
easat-7654	202	27	35	35	NUM
easat-7654	202	28	8.5	8.5	NUM
easat-7654	202	29	%	%	NOUN
easat-7654	202	30	indodana	indodana	NOUN
easat-7654	202	31	26	26	NUM
easat-7654	202	32	6.3	6.3	NUM
easat-7654	202	33	%	%	NOUN
easat-7654	202	34	how	how	SCONJ
easat-7654	202	35	many	many	ADJ
easat-7654	202	36	times	time	NOUN
easat-7654	202	37	use	use	VERB
easat-7654	202	38	each	each	DET
easat-7654	202	39	month	month	NOUN
easat-7654	202	40	1	1	NUM
easat-7654	202	41	-	-	SYM
easat-7654	202	42	2	2	NUM
easat-7654	202	43	times	time	NOUN
easat-7654	202	44	251	251	NUM
easat-7654	202	45	60.6	60.6	NUM
easat-7654	202	46	%	%	NOUN
easat-7654	202	47	3	3	NUM
easat-7654	202	48	-	-	SYM
easat-7654	202	49	4	4	NUM
easat-7654	202	50	times	time	NOUN
easat-7654	202	51	98	98	NUM
easat-7654	202	52	23.7	23.7	NUM
easat-7654	202	53	%	%	NOUN
easat-7654	202	54	5	5	NUM
easat-7654	202	55	-	-	SYM
easat-7654	202	56	6	6	NUM
easat-7654	202	57	times	time	NOUN
easat-7654	202	58	51	51	NUM
easat-7654	202	59	12.3	12.3	NUM
easat-7654	202	60	%	%	NOUN
easat-7654	202	61	more	more	ADJ
easat-7654	202	62	than	than	ADP
easat-7654	202	63	6	6	NUM
easat-7654	202	64	times	time	NOUN
easat-7654	202	65	14	14	NUM
easat-7654	202	66	3.4	3.4	NUM
easat-7654	202	67	%	%	NOUN
easat-7654	202	68	reason	reason	NOUN
easat-7654	202	69	urgent	urgent	ADJ
easat-7654	202	70	needs	need	VERB
easat-7654	202	71	133	133	NUM
easat-7654	202	72	32.1	32.1	NUM
easat-7654	202	73	%	%	NOUN
easat-7654	202	74	ease	ease	NOUN
easat-7654	202	75	of	of	ADP
easat-7654	202	76	access	access	NOUN
easat-7654	202	77	and	and	CCONJ
easat-7654	202	78	easy	easy	ADJ
easat-7654	202	79	disbursement	disbursement	NOUN
easat-7654	202	80	process	process	NOUN
easat-7654	202	81	258	258	NUM
easat-7654	202	82	62.3	62.3	NUM
easat-7654	202	83	%	%	NOUN
easat-7654	202	84	not	not	PART
easat-7654	202	85	yet	yet	ADV
easat-7654	202	86	have	have	VERB
easat-7654	202	87	access	access	NOUN
easat-7654	202	88	to	to	ADP
easat-7654	202	89	conventional	conventional	ADJ
easat-7654	202	90	banks	bank	NOUN
easat-7654	202	91	45	45	NUM
easat-7654	202	92	10.9	10.9	NUM
easat-7654	202	93	%	%	NOUN
easat-7654	202	94	low	low	ADJ
easat-7654	202	95	interest	interest	NOUN
easat-7654	202	96	rates	rate	NOUN
easat-7654	202	97	252	252	NUM
easat-7654	202	98	60.9	60.9	NUM
easat-7654	202	99	%	%	NOUN
easat-7654	202	100	attractive	attractive	ADJ
easat-7654	202	101	promotions	promotion	NOUN
easat-7654	202	102	from	from	ADP
easat-7654	202	103	applications	application	NOUN
easat-7654	202	104	180	180	NUM
easat-7654	202	105	43.5	43.5	NUM
easat-7654	202	106	%	%	NOUN
easat-7654	202	107	easy	easy	ADJ
easat-7654	202	108	requirements	requirement	NOUN
easat-7654	202	109	1	1	NUM
easat-7654	202	110	0.2	0.2	NUM
easat-7654	202	111	%	%	NOUN
easat-7654	202	112	how	how	SCONJ
easat-7654	202	113	long	long	ADV
easat-7654	202	114	have	have	AUX
easat-7654	202	115	you	you	PRON
easat-7654	202	116	been	be	AUX
easat-7654	202	117	using	use	VERB
easat-7654	202	118	the	the	DET
easat-7654	202	119	online	online	ADJ
easat-7654	202	120	loan	loan	NOUN
easat-7654	202	121	application	application	NOUN
easat-7654	202	122	less	less	ADJ
easat-7654	202	123	than	than	ADP
easat-7654	202	124	1	1	NUM
easat-7654	202	125	month	month	NOUN
easat-7654	202	126	56	56	NUM
easat-7654	202	127	13.5	13.5	NUM
easat-7654	202	128	%	%	NOUN
easat-7654	202	129	1	1	NUM
easat-7654	202	130	-	-	SYM
easat-7654	202	131	3	3	NUM
easat-7654	202	132	months	month	NOUN
easat-7654	202	133	54	54	NUM
easat-7654	202	134	13	13	NUM
easat-7654	202	135	%	%	NOUN
easat-7654	202	136	4	4	NUM
easat-7654	202	137	-	-	SYM
easat-7654	202	138	6	6	NUM
easat-7654	202	139	months	month	NOUN
easat-7654	202	140	284	284	NUM
easat-7654	202	141	68.6	68.6	NUM
easat-7654	202	142	%	%	NOUN
easat-7654	202	143	7	7	NUM
easat-7654	202	144	-	-	SYM
easat-7654	202	145	12	12	NUM
easat-7654	202	146	months	month	NOUN
easat-7654	202	147	13	13	NUM
easat-7654	202	148	3.1	3.1	NUM
easat-7654	202	149	%	%	NOUN
easat-7654	202	150	more	more	ADJ
easat-7654	202	151	than	than	ADP
easat-7654	202	152	1	1	NUM
easat-7654	202	153	year	year	NOUN
easat-7654	202	154	7	7	NUM
easat-7654	202	155	1.7	1.7	NUM
easat-7654	202	156	%	%	NOUN
easat-7654	202	157	how	how	SCONJ
easat-7654	202	158	much	much	ADJ
easat-7654	202	159	money	money	NOUN
easat-7654	202	160	have	have	AUX
easat-7654	202	161	you	you	PRON
easat-7654	202	162	borrowed	borrow	VERB
easat-7654	202	163	through	through	ADP
easat-7654	202	164	online	online	ADJ
easat-7654	202	165	loan	loan	NOUN
easat-7654	202	166	applications	application	NOUN
easat-7654	202	167	less	less	ADJ
easat-7654	202	168	than	than	ADP
easat-7654	202	169	rp1,000,000	rp1,000,000	NOUN
easat-7654	203	1	57	57	NUM
easat-7654	203	2	13.8	13.8	NUM
easat-7654	203	3	%	%	NOUN
easat-7654	203	4	rp1,000,000	rp1,000,000	NOUN
easat-7654	204	1	rp5,000,000	rp5,000,000	NOUN
easat-7654	204	2	196	196	NUM
easat-7654	204	3	47.3	47.3	NUM
easat-7654	204	4	%	%	NOUN
easat-7654	204	5	rp5,000,000	rp5,000,000	NOUN
easat-7654	204	6	rp10,000,000	rp10,000,000	NOUN
easat-7654	204	7	152	152	NUM
easat-7654	204	8	36.7	36.7	NUM
easat-7654	204	9	%	%	NOUN
easat-7654	204	10	more	more	ADJ
easat-7654	204	11	than	than	ADP
easat-7654	204	12	rp10,000,000	rp10,000,000	PROPN
easat-7654	204	13	9	9	NUM
easat-7654	204	14	2.2	2.2	NUM
easat-7654	204	15	%	%	NOUN
easat-7654	204	16	where	where	SCONJ
easat-7654	204	17	do	do	AUX
easat-7654	204	18	you	you	PRON
easat-7654	204	19	know	know	VERB
easat-7654	204	20	about	about	ADP
easat-7654	204	21	the	the	DET
easat-7654	204	22	online	online	ADJ
easat-7654	204	23	loan	loan	NOUN
easat-7654	204	24	application	application	NOUN
easat-7654	204	25	friends	friend	NOUN
easat-7654	204	26	or	or	CCONJ
easat-7654	204	27	family	family	NOUN
easat-7654	204	28	48	48	NUM
easat-7654	204	29	11.6	11.6	NUM
easat-7654	204	30	%	%	NOUN
easat-7654	204	31	social	social	ADJ
easat-7654	204	32	media	medium	NOUN
easat-7654	204	33	135	135	NUM
easat-7654	204	34	32.6	32.6	NUM
easat-7654	204	35	%	%	NOUN
easat-7654	204	36	online	online	ADJ
easat-7654	204	37	ads	ad	NOUN
easat-7654	204	38	131	131	NUM
easat-7654	204	39	31.6	31.6	NUM
easat-7654	204	40	%	%	NOUN
easat-7654	204	41	other	other	ADJ
easat-7654	204	42	apps	app	NOUN
easat-7654	204	43	71	71	NUM
easat-7654	204	44	17.1	17.1	NUM
easat-7654	204	45	%	%	NOUN
easat-7654	204	46	news	news	NOUN
easat-7654	204	47	or	or	CCONJ
easat-7654	204	48	articles	article	NOUN
easat-7654	204	49	60	60	NUM
easat-7654	204	50	14.5	14.5	NUM
easat-7654	204	51	%	%	NOUN
easat-7654	204	52	sms	sms	NOUN
easat-7654	204	53	blast	blast	VERB
easat-7654	204	54	6	6	NUM
easat-7654	204	55	1.4	1.4	NUM
easat-7654	204	56	%	%	NOUN
easat-7654	204	57	3142	3142	NUM
easat-7654	204	58	edelweiss	edelweiss	PROPN
easat-7654	204	59	applied	apply	VERB
easat-7654	204	60	science	science	NOUN
easat-7654	204	61	and	and	CCONJ
easat-7654	204	62	technology	technology	NOUN
easat-7654	204	63	issn	issn	PROPN
easat-7654	204	64	:	:	PUNCT
easat-7654	204	65	2576	2576	NUM
easat-7654	204	66	-	-	SYM
easat-7654	204	67	8484	8484	NUM
easat-7654	204	68	vol	vol	NOUN
easat-7654	204	69	.	.	PROPN
easat-7654	205	1	9	9	NUM
easat-7654	205	2	,	,	PUNCT
easat-7654	205	3	no	no	INTJ
easat-7654	205	4	.	.	NOUN
easat-7654	205	5	5	5	NUM
easat-7654	205	6	:	:	SYM
easat-7654	205	7	3134	3134	NUM
easat-7654	205	8	-	-	SYM
easat-7654	205	9	3148	3148	NUM
easat-7654	205	10	,	,	PUNCT
easat-7654	205	11	2025	2025	NUM
easat-7654	205	12	doi	doi	NOUN
easat-7654	205	13	:	:	PUNCT
easat-7654	205	14	10.55214/25768484.v9i5.7654	10.55214/25768484.v9i5.7654	NUM
easat-7654	205	15	©	©	NOUN
easat-7654	205	16	2025	2025	NUM
easat-7654	205	17	by	by	ADP
easat-7654	205	18	the	the	DET
easat-7654	205	19	authors	author	NOUN
easat-7654	205	20	;	;	PUNCT
easat-7654	205	21	licensee	licensee	PROPN
easat-7654	205	22	learning	learn	VERB
easat-7654	205	23	gate	gate	NOUN
easat-7654	205	24	table	table	NOUN
easat-7654	205	25	3	3	NUM
easat-7654	205	26	.	.	PUNCT
easat-7654	205	27	result	result	NOUN
easat-7654	205	28	of	of	ADP
easat-7654	205	29	validity	validity	NOUN
easat-7654	205	30	test	test	NOUN
easat-7654	205	31	.	.	PUNCT
easat-7654	206	1	h.	h.	PROPN
easat-7654	206	2	validity	validity	PROPN
easat-7654	206	3	test	test	NOUN
easat-7654	206	4	cronbach	cronbach	PROPN
easat-7654	206	5	's	's	PART
easat-7654	206	6	alpha	alpha	ADJ
easat-7654	206	7	composite	composite	ADJ
easat-7654	206	8	reliability	reliability	NOUN
easat-7654	206	9	(	(	PUNCT
easat-7654	206	10	rho_a	rho_a	NOUN
easat-7654	206	11	)	)	PUNCT
easat-7654	206	12	composite	composite	ADJ
easat-7654	206	13	reliability	reliability	NOUN
easat-7654	206	14	(	(	PUNCT
easat-7654	206	15	rho_c	rho_c	NOUN
easat-7654	206	16	)	)	PUNCT
easat-7654	206	17	average	average	ADJ
easat-7654	206	18	variance	variance	NOUN
easat-7654	206	19	extracted	extract	VERB
easat-7654	206	20	(	(	PUNCT
easat-7654	206	21	ave	ave	NOUN
easat-7654	206	22	)	)	PUNCT
easat-7654	206	23	bi	bi	NOUN
easat-7654	206	24	0.808	0.808	NUM
easat-7654	206	25	0.809	0.809	NUM
easat-7654	206	26	0.886	0.886	NUM
easat-7654	206	27	0.722	0.722	NUM
easat-7654	206	28	dfl	dfl	NOUN
easat-7654	206	29	0.873	0.873	NUM
easat-7654	206	30	0.873	0.873	NUM
easat-7654	206	31	0.913	0.913	NUM
easat-7654	206	32	0.724	0.724	NUM
easat-7654	206	33	ee	ee	ADP
easat-7654	206	34	0.81	0.81	NUM
easat-7654	206	35	0.817	0.817	NUM
easat-7654	206	36	0.887	0.887	NUM
easat-7654	206	37	0.724	0.724	NUM
easat-7654	206	38	fc	fc	NOUN
easat-7654	206	39	0.825	0.825	NUM
easat-7654	206	40	0.83	0.83	NUM
easat-7654	206	41	0.896	0.896	NUM
easat-7654	206	42	0.741	0.741	NUM
easat-7654	206	43	hb	hb	NOUN
easat-7654	206	44	0.849	0.849	NUM
easat-7654	206	45	0.849	0.849	NUM
easat-7654	206	46	0.909	0.909	NUM
easat-7654	206	47	0.768	0.768	NUM
easat-7654	206	48	hm	hm	NUM
easat-7654	206	49	0.79	0.79	NUM
easat-7654	206	50	0.794	0.794	NUM
easat-7654	206	51	0.877	0.877	NUM
easat-7654	206	52	0.704	0.704	NUM
easat-7654	206	53	pe	pe	ADP
easat-7654	206	54	0.903	0.903	NUM
easat-7654	206	55	0.904	0.904	NUM
easat-7654	206	56	0.928	0.928	NUM
easat-7654	206	57	0.721	0.721	NUM
easat-7654	206	58	pv	pv	NOUN
easat-7654	206	59	0.81	0.81	NUM
easat-7654	206	60	0.812	0.812	NUM
easat-7654	206	61	0.888	0.888	NUM
easat-7654	206	62	0.725	0.725	NUM
easat-7654	206	63	sr	sr	PROPN
easat-7654	206	64	0.8	0.8	NUM
easat-7654	206	65	0.801	0.801	NUM
easat-7654	206	66	0.882	0.882	NUM
easat-7654	206	67	0.714	0.714	NUM
easat-7654	206	68	si	si	NOUN
easat-7654	206	69	0.843	0.843	NUM
easat-7654	206	70	0.844	0.844	NUM
easat-7654	206	71	0.905	0.905	NUM
easat-7654	206	72	0.761	0.761	NUM
easat-7654	206	73	3.4	3.4	NUM
easat-7654	206	74	.	.	PUNCT
easat-7654	207	1	structural	structural	ADJ
easat-7654	207	2	equation	equation	NOUN
easat-7654	207	3	modeling	modeling	NOUN
easat-7654	207	4	technique	technique	NOUN
easat-7654	207	5	according	accord	VERB
easat-7654	207	6	to	to	ADP
easat-7654	207	7	hair	hair	NOUN
easat-7654	207	8	joseph	joseph	PROPN
easat-7654	207	9	and	and	CCONJ
easat-7654	207	10	hult	hult	VERB
easat-7654	208	1	[	[	X
easat-7654	208	2	47	47	NUM
easat-7654	208	3	]	]	PUNCT
easat-7654	208	4	structural	structural	ADJ
easat-7654	208	5	equation	equation	NOUN
easat-7654	208	6	modeling	modeling	NOUN
easat-7654	208	7	(	(	PUNCT
easat-7654	208	8	sem	sem	NOUN
easat-7654	208	9	)	)	PUNCT
easat-7654	208	10	is	be	AUX
easat-7654	208	11	an	an	DET
easat-7654	208	12	advanced	advanced	ADJ
easat-7654	208	13	statistical	statistical	ADJ
easat-7654	208	14	technique	technique	NOUN
easat-7654	208	15	that	that	PRON
easat-7654	208	16	overcomes	overcome	VERB
easat-7654	208	17	limitations	limitation	NOUN
easat-7654	208	18	of	of	ADP
easat-7654	208	19	traditional	traditional	ADJ
easat-7654	208	20	multivariate	multivariate	NOUN
easat-7654	208	21	analysis	analysis	NOUN
easat-7654	208	22	methods	method	NOUN
easat-7654	208	23	.	.	PUNCT
easat-7654	209	1	sem	sem	PROPN
easat-7654	209	2	enables	enable	VERB
easat-7654	209	3	researchers	researcher	NOUN
easat-7654	209	4	to	to	PART
easat-7654	209	5	simultaneously	simultaneously	ADV
easat-7654	209	6	model	model	VERB
easat-7654	209	7	and	and	CCONJ
easat-7654	209	8	estimate	estimate	VERB
easat-7654	209	9	complex	complex	ADJ
easat-7654	209	10	relationships	relationship	NOUN
easat-7654	209	11	among	among	ADP
easat-7654	209	12	numerous	numerous	ADJ
easat-7654	209	13	dependent	dependent	ADJ
easat-7654	209	14	and	and	CCONJ
easat-7654	209	15	independent	independent	ADJ
easat-7654	209	16	variables	variable	NOUN
easat-7654	209	17	.	.	PUNCT
easat-7654	210	1	by	by	ADP
easat-7654	210	2	accounting	account	VERB
easat-7654	210	3	for	for	ADP
easat-7654	210	4	measurement	measurement	NOUN
easat-7654	210	5	errors	error	NOUN
easat-7654	210	6	in	in	ADP
easat-7654	210	7	observed	observed	ADJ
easat-7654	210	8	variables	variable	NOUN
easat-7654	210	9	,	,	PUNCT
easat-7654	210	10	sem	sem	NOUN
easat-7654	210	11	provides	provide	VERB
easat-7654	210	12	more	more	ADV
easat-7654	210	13	accurate	accurate	ADJ
easat-7654	210	14	results	result	NOUN
easat-7654	210	15	grounded	ground	VERB
easat-7654	210	16	in	in	ADP
easat-7654	210	17	theoretical	theoretical	ADJ
easat-7654	210	18	concepts	concept	NOUN
easat-7654	210	19	.	.	PUNCT
easat-7654	211	1	in	in	ADP
easat-7654	211	2	this	this	DET
easat-7654	211	3	study	study	NOUN
easat-7654	211	4	,	,	PUNCT
easat-7654	211	5	we	we	PRON
easat-7654	211	6	employed	employ	VERB
easat-7654	211	7	smartpls	smartpls	NOUN
easat-7654	211	8	4	4	NUM
easat-7654	211	9	to	to	PART
easat-7654	211	10	analyze	analyze	VERB
easat-7654	211	11	our	our	PRON
easat-7654	211	12	data	datum	NOUN
easat-7654	211	13	using	use	VERB
easat-7654	211	14	sem	sem	PROPN
easat-7654	211	15	.	.	PUNCT
easat-7654	212	1	sem	sem	PROPN
easat-7654	212	2	consists	consist	VERB
easat-7654	212	3	of	of	ADP
easat-7654	212	4	two	two	NUM
easat-7654	212	5	models	model	NOUN
easat-7654	212	6	:	:	PUNCT
easat-7654	212	7	the	the	DET
easat-7654	212	8	outer	outer	ADJ
easat-7654	212	9	model	model	NOUN
easat-7654	212	10	,	,	PUNCT
easat-7654	212	11	which	which	PRON
easat-7654	212	12	assesses	assess	VERB
easat-7654	212	13	the	the	DET
easat-7654	212	14	relationship	relationship	NOUN
easat-7654	212	15	between	between	ADP
easat-7654	212	16	latent	latent	NOUN
easat-7654	212	17	variables	variable	NOUN
easat-7654	212	18	and	and	CCONJ
easat-7654	212	19	their	their	PRON
easat-7654	212	20	indicators	indicator	NOUN
easat-7654	212	21	,	,	PUNCT
easat-7654	212	22	and	and	CCONJ
easat-7654	212	23	the	the	DET
easat-7654	212	24	inner	inner	ADJ
easat-7654	212	25	model	model	NOUN
easat-7654	212	26	,	,	PUNCT
easat-7654	212	27	which	which	PRON
easat-7654	212	28	examines	examine	VERB
easat-7654	212	29	the	the	DET
easat-7654	212	30	relationships	relationship	NOUN
easat-7654	212	31	between	between	ADP
easat-7654	212	32	latent	latent	NOUN
easat-7654	212	33	variables	variable	NOUN
easat-7654	212	34	.	.	PUNCT
easat-7654	213	1	the	the	DET
easat-7654	213	2	outer	outer	ADJ
easat-7654	213	3	model	model	NOUN
easat-7654	213	4	was	be	AUX
easat-7654	213	5	evaluated	evaluate	VERB
easat-7654	213	6	using	use	VERB
easat-7654	213	7	convergent	convergent	ADJ
easat-7654	213	8	validity	validity	NOUN
easat-7654	213	9	,	,	PUNCT
easat-7654	213	10	discriminant	discriminant	ADJ
easat-7654	213	11	validity	validity	NOUN
easat-7654	213	12	,	,	PUNCT
easat-7654	213	13	and	and	CCONJ
easat-7654	213	14	composite	composite	ADJ
easat-7654	213	15	reliability	reliability	NOUN
easat-7654	213	16	,	,	PUNCT
easat-7654	213	17	while	while	SCONJ
easat-7654	213	18	the	the	DET
easat-7654	213	19	inner	inner	ADJ
easat-7654	213	20	model	model	NOUN
easat-7654	213	21	was	be	AUX
easat-7654	213	22	assessed	assess	VERB
easat-7654	213	23	using	use	VERB
easat-7654	213	24	rsquared	rsquare	VERB
easat-7654	213	25	,	,	PUNCT
easat-7654	213	26	f	f	X
easat-7654	213	27	-	-	PUNCT
easat-7654	213	28	squared	square	VERB
easat-7654	213	29	,	,	PUNCT
easat-7654	213	30	q	q	NOUN
easat-7654	213	31	-	-	PUNCT
easat-7654	213	32	squared	square	VERB
easat-7654	213	33	,	,	PUNCT
easat-7654	213	34	and	and	CCONJ
easat-7654	213	35	path	path	NOUN
easat-7654	213	36	coefficients	coefficient	NOUN
easat-7654	213	37	.	.	PUNCT
easat-7654	214	1	hypothesis	hypothesis	NOUN
easat-7654	214	2	testing	testing	NOUN
easat-7654	214	3	was	be	AUX
easat-7654	214	4	conducted	conduct	VERB
easat-7654	214	5	using	use	VERB
easat-7654	214	6	bootstrapping	bootstrappe	VERB
easat-7654	214	7	to	to	PART
easat-7654	214	8	determine	determine	VERB
easat-7654	214	9	the	the	DET
easat-7654	214	10	significance	significance	NOUN
easat-7654	214	11	of	of	ADP
easat-7654	214	12	path	path	NOUN
easat-7654	214	13	coefficients	coefficient	NOUN
easat-7654	214	14	.	.	PUNCT
easat-7654	215	1	a	a	DET
easat-7654	215	2	pls	pls	ADJ
easat-7654	215	3	-	-	PUNCT
easat-7654	215	4	sem	sem	NOUN
easat-7654	215	5	analysis	analysis	NOUN
easat-7654	215	6	was	be	AUX
easat-7654	215	7	conducted	conduct	VERB
easat-7654	215	8	in	in	ADP
easat-7654	215	9	this	this	DET
easat-7654	215	10	study	study	NOUN
easat-7654	215	11	using	use	VERB
easat-7654	215	12	smartpls	smartpls	NOUN
easat-7654	215	13	4	4	NUM
easat-7654	215	14	,	,	PUNCT
easat-7654	215	15	there	there	PRON
easat-7654	215	16	are	be	VERB
easat-7654	215	17	two	two	NUM
easat-7654	215	18	models	model	NOUN
easat-7654	215	19	within	within	ADP
easat-7654	215	20	pls	pls	NOUN
easat-7654	215	21	-	-	PUNCT
easat-7654	215	22	sem	sem	NOUN
easat-7654	215	23	:	:	PUNCT
easat-7654	215	24	the	the	DET
easat-7654	215	25	external	external	ADJ
easat-7654	215	26	model	model	NOUN
easat-7654	215	27	and	and	CCONJ
easat-7654	215	28	the	the	DET
easat-7654	215	29	internal	internal	ADJ
easat-7654	215	30	model	model	NOUN
easat-7654	215	31	.	.	PUNCT
easat-7654	216	1	the	the	DET
easat-7654	216	2	following	follow	VERB
easat-7654	216	3	presents	present	VERB
easat-7654	216	4	the	the	DET
easat-7654	216	5	path	path	NOUN
easat-7654	216	6	model	model	NOUN
easat-7654	216	7	estimates	estimate	NOUN
easat-7654	216	8	based	base	VERB
easat-7654	216	9	on	on	ADP
easat-7654	216	10	the	the	DET
easat-7654	216	11	outer	outer	ADJ
easat-7654	216	12	model	model	NOUN
easat-7654	216	13	,	,	PUNCT
easat-7654	216	14	inner	inner	ADJ
easat-7654	216	15	model	model	NOUN
easat-7654	216	16	,	,	PUNCT
easat-7654	216	17	and	and	CCONJ
easat-7654	216	18	hypothesis	hypothesis	NOUN
easat-7654	216	19	testing	testing	NOUN
easat-7654	216	20	.	.	PUNCT
easat-7654	217	1	4	4	X
easat-7654	217	2	.	.	X
easat-7654	217	3	result	result	NOUN
easat-7654	217	4	and	and	CCONJ
easat-7654	217	5	discussion	discussion	NOUN
easat-7654	217	6	4.1	4.1	NUM
easat-7654	217	7	.	.	PUNCT
easat-7654	218	1	descriptive	descriptive	ADJ
easat-7654	218	2	analysis	analysis	NOUN
easat-7654	218	3	based	base	VERB
easat-7654	218	4	on	on	ADP
easat-7654	218	5	table	table	NOUN
easat-7654	218	6	1	1	NUM
easat-7654	218	7	,	,	PUNCT
easat-7654	218	8	the	the	DET
easat-7654	218	9	majority	majority	NOUN
easat-7654	218	10	of	of	ADP
easat-7654	218	11	online	online	ADJ
easat-7654	218	12	loan	loan	NOUN
easat-7654	218	13	application	application	NOUN
easat-7654	218	14	service	service	NOUN
easat-7654	218	15	users	user	NOUN
easat-7654	218	16	are	be	AUX
easat-7654	218	17	male	male	ADJ
easat-7654	218	18	,	,	PUNCT
easat-7654	218	19	accounting	account	VERB
easat-7654	218	20	for	for	ADP
easat-7654	218	21	51,4	51,4	ADJ
easat-7654	218	22	%	%	NOUN
easat-7654	218	23	of	of	ADP
easat-7654	218	24	users	user	NOUN
easat-7654	218	25	,	,	PUNCT
easat-7654	218	26	with	with	ADP
easat-7654	218	27	most	most	ADJ
easat-7654	218	28	being	be	AUX
easat-7654	218	29	aged	age	VERB
easat-7654	218	30	20	20	NUM
easat-7654	218	31	-	-	SYM
easat-7654	218	32	24	24	NUM
easat-7654	218	33	years	year	NOUN
easat-7654	218	34	old	old	ADJ
easat-7654	218	35	.	.	PUNCT
easat-7654	219	1	the	the	DET
easat-7654	219	2	majority	majority	NOUN
easat-7654	219	3	of	of	ADP
easat-7654	219	4	users	user	NOUN
easat-7654	219	5	reside	reside	VERB
easat-7654	219	6	in	in	ADP
easat-7654	219	7	west	west	PROPN
easat-7654	219	8	jakarta	jakarta	PROPN
easat-7654	219	9	,	,	PUNCT
easat-7654	219	10	representing	represent	VERB
easat-7654	219	11	125	125	NUM
easat-7654	219	12	%	%	NOUN
easat-7654	219	13	of	of	ADP
easat-7654	219	14	the	the	DET
easat-7654	219	15	total	total	NOUN
easat-7654	219	16	,	,	PUNCT
easat-7654	219	17	and	and	CCONJ
easat-7654	219	18	are	be	AUX
easat-7654	219	19	students	student	NOUN
easat-7654	219	20	at	at	ADP
easat-7654	219	21	bina	bina	PROPN
easat-7654	219	22	nusantara	nusantara	PROPN
easat-7654	219	23	university	university	PROPN
easat-7654	219	24	,	,	PUNCT
easat-7654	219	25	pursuing	pursue	VERB
easat-7654	219	26	a	a	DET
easat-7654	219	27	bachelor	bachelor	NOUN
easat-7654	219	28	's	's	PART
easat-7654	219	29	degree	degree	NOUN
easat-7654	219	30	.	.	PUNCT
easat-7654	220	1	table	table	NOUN
easat-7654	220	2	2	2	NUM
easat-7654	220	3	,	,	PUNCT
easat-7654	220	4	which	which	PRON
easat-7654	220	5	presents	present	VERB
easat-7654	220	6	the	the	DET
easat-7654	220	7	respondent	respondent	NOUN
easat-7654	220	8	characteristics	characteristic	NOUN
easat-7654	220	9	,	,	PUNCT
easat-7654	220	10	indicates	indicate	VERB
easat-7654	220	11	that	that	SCONJ
easat-7654	220	12	the	the	DET
easat-7654	220	13	most	most	ADV
easat-7654	220	14	commonly	commonly	ADV
easat-7654	220	15	used	use	VERB
easat-7654	220	16	application	application	NOUN
easat-7654	220	17	for	for	ADP
easat-7654	220	18	online	online	ADJ
easat-7654	220	19	loans	loan	NOUN
easat-7654	220	20	is	be	AUX
easat-7654	220	21	akulaku	akulaku	PROPN
easat-7654	220	22	,	,	PUNCT
easat-7654	220	23	with	with	ADP
easat-7654	220	24	a	a	DET
easat-7654	220	25	usage	usage	NOUN
easat-7654	220	26	frequency	frequency	NOUN
easat-7654	220	27	of	of	ADP
easat-7654	220	28	1	1	NUM
easat-7654	220	29	-	-	SYM
easat-7654	220	30	2	2	NUM
easat-7654	220	31	times	time	NOUN
easat-7654	220	32	per	per	ADP
easat-7654	220	33	month	month	NOUN
easat-7654	220	34	.	.	PUNCT
easat-7654	221	1	the	the	DET
easat-7654	221	2	primary	primary	ADJ
easat-7654	221	3	reason	reason	NOUN
easat-7654	221	4	for	for	ADP
easat-7654	221	5	using	use	VERB
easat-7654	221	6	this	this	DET
easat-7654	221	7	service	service	NOUN
easat-7654	221	8	is	be	AUX
easat-7654	221	9	the	the	DET
easat-7654	221	10	low	low	ADJ
easat-7654	221	11	interest	interest	NOUN
easat-7654	221	12	rates	rate	NOUN
easat-7654	221	13	of	of	ADP
easat-7654	221	14	the	the	DET
easat-7654	221	15	online	online	ADJ
easat-7654	221	16	loan	loan	NOUN
easat-7654	221	17	application	application	NOUN
easat-7654	221	18	.	.	PUNCT
easat-7654	222	1	most	most	ADJ
easat-7654	222	2	respondents	respondent	NOUN
easat-7654	222	3	have	have	AUX
easat-7654	222	4	been	be	AUX
easat-7654	222	5	using	use	VERB
easat-7654	222	6	online	online	ADJ
easat-7654	222	7	loan	loan	NOUN
easat-7654	222	8	applications	application	NOUN
easat-7654	222	9	for	for	ADP
easat-7654	222	10	4	4	NUM
easat-7654	222	11	-	-	SYM
easat-7654	222	12	6	6	NUM
easat-7654	222	13	months	month	NOUN
easat-7654	222	14	,	,	PUNCT
easat-7654	222	15	with	with	ADP
easat-7654	222	16	loan	loan	NOUN
easat-7654	222	17	amounts	amount	NOUN
easat-7654	222	18	ranging	range	VERB
easat-7654	222	19	from	from	ADP
easat-7654	222	20	rp	rp	NOUN
easat-7654	222	21	1,000,000	1,000,000	NUM
easat-7654	222	22	to	to	ADP
easat-7654	222	23	rp	rp	NOUN
easat-7654	222	24	5,000,000	5,000,000	NUM
easat-7654	222	25	.	.	PUNCT
easat-7654	223	1	additionally	additionally	ADV
easat-7654	223	2	,	,	PUNCT
easat-7654	223	3	the	the	DET
easat-7654	223	4	majority	majority	NOUN
easat-7654	223	5	of	of	ADP
easat-7654	223	6	users	user	NOUN
easat-7654	223	7	learned	learn	VERB
easat-7654	223	8	about	about	ADP
easat-7654	223	9	and	and	CCONJ
easat-7654	223	10	started	start	VERB
easat-7654	223	11	using	use	VERB
easat-7654	223	12	online	online	ADJ
easat-7654	223	13	loan	loan	NOUN
easat-7654	223	14	applications	application	NOUN
easat-7654	223	15	based	base	VERB
easat-7654	223	16	on	on	ADP
easat-7654	223	17	information	information	NOUN
easat-7654	223	18	obtained	obtain	VERB
easat-7654	223	19	from	from	ADP
easat-7654	223	20	social	social	ADJ
easat-7654	223	21	media	medium	NOUN
easat-7654	223	22	.	.	PUNCT
easat-7654	224	1	4.2	4.2	NUM
easat-7654	224	2	.	.	PUNCT
easat-7654	225	1	data	datum	NOUN
easat-7654	225	2	validation	validation	PROPN
easat-7654	225	3	data	datum	NOUN
easat-7654	225	4	validation	validation	NOUN
easat-7654	225	5	employs	employ	VERB
easat-7654	225	6	a	a	DET
easat-7654	225	7	latent	latent	ADJ
easat-7654	225	8	variable	variable	ADJ
easat-7654	225	9	approach	approach	NOUN
easat-7654	225	10	within	within	ADP
easat-7654	225	11	the	the	DET
easat-7654	225	12	framework	framework	NOUN
easat-7654	225	13	by	by	ADP
easat-7654	225	14	iteratively	iteratively	ADV
easat-7654	225	15	testing	test	VERB
easat-7654	225	16	constructs	construct	NOUN
easat-7654	225	17	that	that	PRON
easat-7654	225	18	require	require	VERB
easat-7654	225	19	disaggregation	disaggregation	NOUN
easat-7654	225	20	,	,	PUNCT
easat-7654	225	21	contingent	contingent	NOUN
easat-7654	225	22	on	on	ADP
easat-7654	225	23	cronbach	cronbach	PROPN
easat-7654	225	24	's	's	PART
easat-7654	225	25	alpha	alpha	NOUN
easat-7654	225	26	and	and	CCONJ
easat-7654	225	27	average	average	ADJ
easat-7654	225	28	variance	variance	NOUN
easat-7654	225	29	extracted	extract	VERB
easat-7654	225	30	(	(	PUNCT
easat-7654	225	31	ave	ave	PROPN
easat-7654	225	32	)	)	PUNCT
easat-7654	225	33	.	.	PUNCT
easat-7654	226	1	a	a	DET
easat-7654	226	2	framework	framework	NOUN
easat-7654	226	3	is	be	AUX
easat-7654	226	4	deemed	deem	VERB
easat-7654	226	5	acceptable	acceptable	ADJ
easat-7654	226	6	when	when	SCONJ
easat-7654	226	7	cronbach	cronbach	PROPN
easat-7654	226	8	's	's	PART
easat-7654	226	9	alpha	alpha	NOUN
easat-7654	226	10	falls	fall	VERB
easat-7654	226	11	within	within	ADP
easat-7654	226	12	these	these	DET
easat-7654	226	13	ranges	range	NOUN
easat-7654	226	14	:	:	PUNCT
easat-7654	226	15	below	below	ADP
easat-7654	226	16	0.6	0.6	NUM
easat-7654	226	17	indicates	indicate	VERB
easat-7654	226	18	low	low	ADJ
easat-7654	226	19	reliability	reliability	NOUN
easat-7654	226	20	,	,	PUNCT
easat-7654	226	21	0.6	0.6	NUM
easat-7654	226	22	-	-	SYM
easat-7654	226	23	0.7	0.7	NUM
easat-7654	226	24	indicates	indicate	VERB
easat-7654	226	25	moderate	moderate	ADJ
easat-7654	226	26	reliability	reliability	NOUN
easat-7654	226	27	,	,	PUNCT
easat-7654	226	28	0.7	0.7	NUM
easat-7654	226	29	-	-	SYM
easat-7654	226	30	0.8	0.8	NUM
easat-7654	226	31	indicates	indicate	VERB
easat-7654	226	32	good	good	ADJ
easat-7654	226	33	reliability	reliability	NOUN
easat-7654	226	34	,	,	PUNCT
easat-7654	226	35	0.8	0.8	NUM
easat-7654	226	36	-	-	SYM
easat-7654	226	37	0.9	0.9	NUM
easat-7654	226	38	indicates	indicate	VERB
easat-7654	226	39	very	very	ADV
easat-7654	226	40	good	good	ADJ
easat-7654	226	41	reliability	reliability	NOUN
easat-7654	226	42	,	,	PUNCT
easat-7654	226	43	and	and	CCONJ
easat-7654	226	44	above	above	ADP
easat-7654	226	45	0.9	0.9	NUM
easat-7654	226	46	indicates	indicate	VERB
easat-7654	226	47	excellent	excellent	ADJ
easat-7654	226	48	reliability	reliability	NOUN
easat-7654	226	49	.	.	PUNCT
easat-7654	227	1	for	for	SCONJ
easat-7654	227	2	the	the	DET
easat-7654	227	3	average	average	ADJ
easat-7654	227	4	variance	variance	NOUN
easat-7654	227	5	extracted	extract	VERB
easat-7654	227	6	(	(	PUNCT
easat-7654	227	7	ave	ave	PROPN
easat-7654	227	8	)	)	PUNCT
easat-7654	227	9	,	,	PUNCT
easat-7654	227	10	a	a	DET
easat-7654	227	11	value	value	NOUN
easat-7654	227	12	exceeding	exceed	VERB
easat-7654	227	13	0.5	0.5	NUM
easat-7654	227	14	is	be	AUX
easat-7654	227	15	required	require	VERB
easat-7654	227	16	for	for	ADP
easat-7654	227	17	each	each	DET
easat-7654	227	18	construct	construct	NOUN
easat-7654	227	19	,	,	PUNCT
easat-7654	227	20	signifying	signify	VERB
easat-7654	227	21	that	that	SCONJ
easat-7654	227	22	the	the	DET
easat-7654	227	23	latent	latent	NOUN
easat-7654	227	24	3143	3143	PROPN
easat-7654	227	25	edelweiss	edelweiss	PROPN
easat-7654	227	26	applied	apply	VERB
easat-7654	227	27	science	science	NOUN
easat-7654	227	28	and	and	CCONJ
easat-7654	227	29	technology	technology	NOUN
easat-7654	227	30	issn	issn	PROPN
easat-7654	227	31	:	:	PUNCT
easat-7654	227	32	2576	2576	NUM
easat-7654	227	33	-	-	SYM
easat-7654	227	34	8484	8484	NUM
easat-7654	227	35	vol	vol	NOUN
easat-7654	227	36	.	.	PROPN
easat-7654	228	1	9	9	NUM
easat-7654	228	2	,	,	PUNCT
easat-7654	228	3	no	no	INTJ
easat-7654	228	4	.	.	NOUN
easat-7654	228	5	5	5	NUM
easat-7654	228	6	:	:	SYM
easat-7654	228	7	3134	3134	NUM
easat-7654	228	8	-	-	SYM
easat-7654	228	9	3148	3148	NUM
easat-7654	228	10	,	,	PUNCT
easat-7654	228	11	2025	2025	NUM
easat-7654	228	12	doi	doi	NOUN
easat-7654	228	13	:	:	PUNCT
easat-7654	228	14	10.55214/25768484.v9i5.7654	10.55214/25768484.v9i5.7654	NUM
easat-7654	228	15	©	©	NOUN
easat-7654	228	16	2025	2025	NUM
easat-7654	228	17	by	by	ADP
easat-7654	228	18	the	the	DET
easat-7654	228	19	authors	author	NOUN
easat-7654	228	20	;	;	PUNCT
easat-7654	228	21	licensee	licensee	PROPN
easat-7654	228	22	learning	learning	PROPN
easat-7654	228	23	gate	gate	NOUN
easat-7654	228	24	construct	construct	NOUN
easat-7654	228	25	explains	explain	VERB
easat-7654	228	26	a	a	DET
easat-7654	228	27	substantial	substantial	ADJ
easat-7654	228	28	proportion	proportion	NOUN
easat-7654	228	29	of	of	ADP
easat-7654	228	30	the	the	DET
easat-7654	228	31	variance	variance	NOUN
easat-7654	228	32	of	of	ADP
easat-7654	228	33	its	its	PRON
easat-7654	228	34	indicators	indicator	NOUN
easat-7654	228	35	.	.	PUNCT
easat-7654	229	1	furthermore	furthermore	ADV
easat-7654	229	2	,	,	PUNCT
easat-7654	229	3	the	the	DET
easat-7654	229	4	factor	factor	NOUN
easat-7654	229	5	loading	loading	NOUN
easat-7654	229	6	of	of	ADP
easat-7654	229	7	each	each	DET
easat-7654	229	8	indicator	indicator	NOUN
easat-7654	229	9	must	must	AUX
easat-7654	229	10	surpass	surpass	VERB
easat-7654	229	11	0.7	0.7	NUM
easat-7654	229	12	,	,	PUNCT
easat-7654	229	13	indicating	indicate	VERB
easat-7654	229	14	a	a	DET
easat-7654	229	15	robust	robust	ADJ
easat-7654	229	16	relationship	relationship	NOUN
easat-7654	229	17	between	between	ADP
easat-7654	229	18	the	the	DET
easat-7654	229	19	indicator	indicator	NOUN
easat-7654	229	20	and	and	CCONJ
easat-7654	229	21	its	its	PRON
easat-7654	229	22	latent	latent	NOUN
easat-7654	229	23	construct	construct	NOUN
easat-7654	229	24	.	.	PUNCT
easat-7654	230	1	4.3	4.3	NUM
easat-7654	230	2	.	.	PUNCT
easat-7654	231	1	(	(	PUNCT
easat-7654	231	2	outer	outer	ADJ
easat-7654	231	3	model	model	NOUN
easat-7654	231	4	)	)	PUNCT
easat-7654	231	5	measurement	measurement	NOUN
easat-7654	231	6	analysis	analysis	NOUN
easat-7654	231	7	the	the	DET
easat-7654	231	8	outer	outer	ADJ
easat-7654	231	9	model	model	NOUN
easat-7654	231	10	was	be	AUX
easat-7654	231	11	evaluated	evaluate	VERB
easat-7654	231	12	to	to	PART
easat-7654	231	13	assess	assess	VERB
easat-7654	231	14	the	the	DET
easat-7654	231	15	validity	validity	NOUN
easat-7654	231	16	and	and	CCONJ
easat-7654	231	17	reliability	reliability	NOUN
easat-7654	231	18	of	of	ADP
easat-7654	231	19	the	the	DET
easat-7654	231	20	latent	latent	NOUN
easat-7654	231	21	constructs	construct	VERB
easat-7654	231	22	.	.	PUNCT
easat-7654	232	1	several	several	ADJ
easat-7654	232	2	tests	test	NOUN
easat-7654	232	3	were	be	AUX
easat-7654	232	4	conducted	conduct	VERB
easat-7654	232	5	,	,	PUNCT
easat-7654	232	6	including	include	VERB
easat-7654	232	7	:	:	PUNCT
easat-7654	232	8	convergent	convergent	NOUN
easat-7654	232	9	validity	validity	NOUN
easat-7654	232	10	:	:	PUNCT
easat-7654	232	11	the	the	DET
easat-7654	232	12	average	average	ADJ
easat-7654	232	13	variance	variance	NOUN
easat-7654	232	14	extracted	extract	VERB
easat-7654	232	15	(	(	PUNCT
easat-7654	232	16	ave	ave	NOUN
easat-7654	232	17	)	)	PUNCT
easat-7654	232	18	value	value	NOUN
easat-7654	232	19	for	for	ADP
easat-7654	232	20	each	each	DET
easat-7654	232	21	construct	construct	NOUN
easat-7654	232	22	must	must	AUX
easat-7654	232	23	exceed	exceed	VERB
easat-7654	232	24	0.5	0.5	NUM
easat-7654	232	25	,	,	PUNCT
easat-7654	232	26	indicating	indicate	VERB
easat-7654	232	27	that	that	SCONJ
easat-7654	232	28	the	the	DET
easat-7654	232	29	latent	latent	NOUN
easat-7654	232	30	construct	construct	NOUN
easat-7654	232	31	explains	explain	VERB
easat-7654	232	32	a	a	DET
easat-7654	232	33	substantial	substantial	ADJ
easat-7654	232	34	portion	portion	NOUN
easat-7654	232	35	of	of	ADP
easat-7654	232	36	the	the	DET
easat-7654	232	37	variance	variance	NOUN
easat-7654	232	38	of	of	ADP
easat-7654	232	39	its	its	PRON
easat-7654	232	40	indicators	indicator	NOUN
easat-7654	232	41	.	.	PUNCT
easat-7654	233	1	additionally	additionally	ADV
easat-7654	233	2	,	,	PUNCT
easat-7654	233	3	the	the	DET
easat-7654	233	4	factor	factor	NOUN
easat-7654	233	5	loading	loading	NOUN
easat-7654	233	6	of	of	ADP
easat-7654	233	7	each	each	DET
easat-7654	233	8	indicator	indicator	NOUN
easat-7654	233	9	should	should	AUX
easat-7654	233	10	be	be	AUX
easat-7654	233	11	greater	great	ADJ
easat-7654	233	12	than	than	ADP
easat-7654	233	13	0.7	0.7	NUM
easat-7654	233	14	,	,	PUNCT
easat-7654	233	15	indicating	indicate	VERB
easat-7654	233	16	a	a	DET
easat-7654	233	17	strong	strong	ADJ
easat-7654	233	18	relationship	relationship	NOUN
easat-7654	233	19	between	between	ADP
easat-7654	233	20	the	the	DET
easat-7654	233	21	indicator	indicator	NOUN
easat-7654	233	22	and	and	CCONJ
easat-7654	233	23	its	its	PRON
easat-7654	233	24	latent	latent	NOUN
easat-7654	233	25	construct	construct	NOUN
easat-7654	233	26	.	.	PUNCT
easat-7654	234	1	discriminant	discriminant	ADJ
easat-7654	234	2	validity	validity	NOUN
easat-7654	234	3	:	:	PUNCT
easat-7654	234	4	to	to	PART
easat-7654	234	5	ensure	ensure	VERB
easat-7654	234	6	that	that	SCONJ
easat-7654	234	7	each	each	DET
easat-7654	234	8	latent	latent	NOUN
easat-7654	234	9	construct	construct	VERB
easat-7654	234	10	measures	measure	NOUN
easat-7654	234	11	a	a	DET
easat-7654	234	12	distinct	distinct	ADJ
easat-7654	234	13	concept	concept	NOUN
easat-7654	234	14	,	,	PUNCT
easat-7654	234	15	the	the	DET
easat-7654	234	16	square	square	ADJ
easat-7654	234	17	root	root	NOUN
easat-7654	234	18	of	of	ADP
easat-7654	234	19	ave	ave	PROPN
easat-7654	234	20	(	(	PUNCT
easat-7654	234	21	sqrt	sqrt	NOUN
easat-7654	234	22	-	-	PUNCT
easat-7654	234	23	ave	ave	NOUN
easat-7654	234	24	)	)	PUNCT
easat-7654	234	25	of	of	ADP
easat-7654	234	26	each	each	DET
easat-7654	234	27	construct	construct	NOUN
easat-7654	234	28	must	must	AUX
easat-7654	234	29	be	be	AUX
easat-7654	234	30	greater	great	ADJ
easat-7654	234	31	than	than	ADP
easat-7654	234	32	the	the	DET
easat-7654	234	33	correlation	correlation	NOUN
easat-7654	234	34	between	between	ADP
easat-7654	234	35	that	that	DET
easat-7654	234	36	construct	construct	NOUN
easat-7654	234	37	and	and	CCONJ
easat-7654	234	38	other	other	ADJ
easat-7654	234	39	constructs	construct	NOUN
easat-7654	234	40	.	.	PUNCT
easat-7654	235	1	composite	composite	ADJ
easat-7654	235	2	reliability	reliability	NOUN
easat-7654	235	3	:	:	PUNCT
easat-7654	235	4	the	the	DET
easat-7654	235	5	composite	composite	ADJ
easat-7654	235	6	reliability	reliability	NOUN
easat-7654	235	7	value	value	NOUN
easat-7654	235	8	for	for	ADP
easat-7654	235	9	each	each	DET
easat-7654	235	10	construct	construct	NOUN
easat-7654	235	11	must	must	AUX
easat-7654	235	12	be	be	AUX
easat-7654	235	13	greater	great	ADJ
easat-7654	235	14	than	than	ADP
easat-7654	235	15	0.7	0.7	NUM
easat-7654	235	16	,	,	PUNCT
easat-7654	235	17	indicating	indicate	VERB
easat-7654	235	18	a	a	DET
easat-7654	235	19	high	high	ADJ
easat-7654	235	20	internal	internal	ADJ
easat-7654	235	21	consistency	consistency	NOUN
easat-7654	235	22	among	among	ADP
easat-7654	235	23	the	the	DET
easat-7654	235	24	indicators	indicator	NOUN
easat-7654	235	25	in	in	ADP
easat-7654	235	26	measuring	measure	VERB
easat-7654	235	27	the	the	DET
easat-7654	235	28	latent	latent	NOUN
easat-7654	235	29	construct	construct	NOUN
easat-7654	235	30	.	.	PUNCT
easat-7654	236	1	this	this	DET
easat-7654	236	2	table	table	NOUN
easat-7654	236	3	4	4	NUM
easat-7654	236	4	below	below	ADP
easat-7654	236	5	shows	show	NOUN
easat-7654	236	6	about	about	ADP
easat-7654	236	7	outer	outer	ADJ
easat-7654	236	8	-	-	PUNCT
easat-7654	236	9	loading	loading	NOUN
easat-7654	236	10	values	value	NOUN
easat-7654	236	11	have	have	VERB
easat-7654	236	12	a	a	DET
easat-7654	236	13	minimum	minimum	NOUN
easat-7654	236	14	of	of	ADP
easat-7654	236	15	0.821	0.821	NUM
easat-7654	236	16	and	and	CCONJ
easat-7654	236	17	a	a	DET
easat-7654	236	18	maximum	maximum	NOUN
easat-7654	236	19	of	of	ADP
easat-7654	236	20	0.883	0.883	NUM
easat-7654	236	21	;	;	PUNCT
easat-7654	236	22	both	both	PRON
easat-7654	236	23	of	of	ADP
easat-7654	236	24	these	these	DET
easat-7654	236	25	values	value	NOUN
easat-7654	236	26	are	be	AUX
easat-7654	236	27	considered	consider	VERB
easat-7654	236	28	safe	safe	ADJ
easat-7654	236	29	for	for	ADP
easat-7654	236	30	outer	outer	ADJ
easat-7654	236	31	-	-	PUNCT
easat-7654	236	32	loading	loading	NOUN
easat-7654	236	33	.	.	PUNCT
easat-7654	237	1	the	the	DET
easat-7654	237	2	ave	ave	PROPN
easat-7654	237	3	values	value	NOUN
easat-7654	237	4	in	in	ADP
easat-7654	237	5	table	table	NOUN
easat-7654	237	6	4	4	NUM
easat-7654	237	7	have	have	VERB
easat-7654	237	8	a	a	DET
easat-7654	237	9	minimum	minimum	NOUN
easat-7654	237	10	of	of	ADP
easat-7654	237	11	0.704	0.704	NUM
easat-7654	237	12	,	,	PUNCT
easat-7654	237	13	which	which	PRON
easat-7654	237	14	is	be	AUX
easat-7654	237	15	above	above	ADP
easat-7654	237	16	the	the	DET
easat-7654	237	17	minimum	minimum	ADJ
easat-7654	237	18	requirement	requirement	NOUN
easat-7654	237	19	of	of	ADP
easat-7654	237	20	0.5	0.5	NUM
easat-7654	237	21	for	for	ADP
easat-7654	237	22	ave	ave	NOUN
easat-7654	237	23	,	,	PUNCT
easat-7654	237	24	indicating	indicate	VERB
easat-7654	237	25	that	that	SCONJ
easat-7654	237	26	the	the	DET
easat-7654	237	27	ave	ave	PROPN
easat-7654	237	28	values	value	NOUN
easat-7654	237	29	are	be	AUX
easat-7654	237	30	acceptable	acceptable	ADJ
easat-7654	237	31	.	.	PUNCT
easat-7654	238	1	additionally	additionally	ADV
easat-7654	238	2	,	,	PUNCT
easat-7654	238	3	the	the	DET
easat-7654	238	4	composite	composite	ADJ
easat-7654	238	5	reliability	reliability	NOUN
easat-7654	238	6	has	have	VERB
easat-7654	238	7	a	a	DET
easat-7654	238	8	minimum	minimum	ADJ
easat-7654	238	9	value	value	NOUN
easat-7654	238	10	of	of	ADP
easat-7654	238	11	0.794	0.794	NUM
easat-7654	238	12	,	,	PUNCT
easat-7654	238	13	which	which	PRON
easat-7654	238	14	exceeds	exceed	VERB
easat-7654	238	15	the	the	DET
easat-7654	238	16	minimum	minimum	ADJ
easat-7654	238	17	requirement	requirement	NOUN
easat-7654	238	18	of	of	ADP
easat-7654	238	19	0.7	0.7	NUM
easat-7654	238	20	,	,	PUNCT
easat-7654	238	21	thus	thus	ADV
easat-7654	238	22	indicating	indicate	VERB
easat-7654	238	23	that	that	SCONJ
easat-7654	238	24	the	the	DET
easat-7654	238	25	composite	composite	ADJ
easat-7654	238	26	reliability	reliability	NOUN
easat-7654	238	27	is	be	AUX
easat-7654	238	28	also	also	ADV
easat-7654	238	29	acceptable	acceptable	ADJ
easat-7654	238	30	.	.	PUNCT
easat-7654	239	1	table	table	NOUN
easat-7654	239	2	4	4	NUM
easat-7654	239	3	.	.	PUNCT
easat-7654	239	4	result	result	NOUN
easat-7654	239	5	of	of	ADP
easat-7654	239	6	outer	outer	ADJ
easat-7654	239	7	loading	loading	NOUN
easat-7654	239	8	.	.	PUNCT
easat-7654	240	1	h.	h.	PROPN
easat-7654	240	2	outer	outer	ADJ
easat-7654	240	3	loading	load	VERB
easat-7654	240	4	bi	bi	PROPN
easat-7654	240	5	dfl	dfl	PROPN
easat-7654	240	6	ee	ee	PROPN
easat-7654	240	7	fc	fc	PROPN
easat-7654	240	8	hb	hb	PROPN
easat-7654	241	1	hm	hm	INTJ
easat-7654	241	2	pe	pe	INTJ
easat-7654	241	3	pv	pv	INTJ
easat-7654	241	4	sr	sr	PROPN
easat-7654	241	5	si	si	PROPN
easat-7654	241	6	bi1	bi1	PROPN
easat-7654	241	7	0.841	0.841	NUM
easat-7654	241	8	bi2	bi2	PROPN
easat-7654	241	9	0.854	0.854	NUM
easat-7654	241	10	bi3	bi3	NOUN
easat-7654	241	11	0.855	0.855	NUM
easat-7654	241	12	dfl1	dfl1	PROPN
easat-7654	241	13	0.842	0.842	NUM
easat-7654	241	14	dfl2	dfl2	NOUN
easat-7654	241	15	0.85	0.85	NUM
easat-7654	241	16	dfl3	dfl3	VERB
easat-7654	241	17	0.865	0.865	NUM
easat-7654	241	18	dfl4	dfl4	PROPN
easat-7654	241	19	0.846	0.846	NUM
easat-7654	241	20	ee1	ee1	NOUN
easat-7654	241	21	0.839	0.839	NUM
easat-7654	241	22	ee2	ee2	NOUN
easat-7654	241	23	0.835	0.835	NUM
easat-7654	241	24	ee3	ee3	NOUN
easat-7654	241	25	0.877	0.877	NUM
easat-7654	241	26	fc1	fc1	PROPN
easat-7654	241	27	0.883	0.883	NUM
easat-7654	241	28	fc2	fc2	PROPN
easat-7654	241	29	0.87	0.87	NUM
easat-7654	241	30	fc3	fc3	PROPN
easat-7654	241	31	0.828	0.828	NUM
easat-7654	241	32	hb1	hb1	NOUN
easat-7654	241	33	0.883	0.883	NUM
easat-7654	241	34	hb2	hb2	NOUN
easat-7654	241	35	0.87	0.87	NUM
easat-7654	241	36	hb3	hb3	NOUN
easat-7654	241	37	0.877	0.877	NUM
easat-7654	241	38	hm1	hm1	NOUN
easat-7654	241	39	0.821	0.821	NUM
easat-7654	241	40	hm2	hm2	PROPN
easat-7654	241	41	0.835	0.835	NUM
easat-7654	241	42	hm3	hm3	PROPN
easat-7654	241	43	0.861	0.861	NUM
easat-7654	241	44	pe1	pe1	PROPN
easat-7654	241	45	0.849	0.849	NUM
easat-7654	241	46	pe2	pe2	PROPN
easat-7654	241	47	0.854	0.854	NUM
easat-7654	241	48	pe3	pe3	NOUN
easat-7654	241	49	0.834	0.834	NUM
easat-7654	241	50	pe4	pe4	NOUN
easat-7654	241	51	0.853	0.853	NUM
easat-7654	241	52	pe5	pe5	NOUN
easat-7654	241	53	0.856	0.856	NUM
easat-7654	241	54	pv1	pv1	VERB
easat-7654	241	55	0.851	0.851	NUM
easat-7654	241	56	pv2	pv2	NOUN
easat-7654	241	57	0.866	0.866	NUM
easat-7654	241	58	pv3	pv3	NOUN
easat-7654	241	59	0.837	0.837	NUM
easat-7654	241	60	si1	si1	VERB
easat-7654	241	61	0.88	0.88	NUM
easat-7654	241	62	si2	si2	NOUN
easat-7654	241	63	0.869	0.869	NUM
easat-7654	241	64	si3	si3	PROPN
easat-7654	241	65	0.868	0.868	NUM
easat-7654	241	66	3144	3144	NUM
easat-7654	241	67	edelweiss	edelweiss	PROPN
easat-7654	241	68	applied	apply	VERB
easat-7654	241	69	science	science	NOUN
easat-7654	241	70	and	and	CCONJ
easat-7654	241	71	technology	technology	NOUN
easat-7654	241	72	issn	issn	PROPN
easat-7654	241	73	:	:	PUNCT
easat-7654	241	74	2576	2576	NUM
easat-7654	241	75	-	-	SYM
easat-7654	241	76	8484	8484	NUM
easat-7654	241	77	vol	vol	NOUN
easat-7654	241	78	.	.	PROPN
easat-7654	242	1	9	9	NUM
easat-7654	242	2	,	,	PUNCT
easat-7654	242	3	no	no	INTJ
easat-7654	242	4	.	.	NOUN
easat-7654	242	5	5	5	NUM
easat-7654	242	6	:	:	SYM
easat-7654	242	7	3134	3134	NUM
easat-7654	242	8	-	-	SYM
easat-7654	242	9	3148	3148	NUM
easat-7654	242	10	,	,	PUNCT
easat-7654	242	11	2025	2025	NUM
easat-7654	242	12	doi	doi	NOUN
easat-7654	242	13	:	:	PUNCT
easat-7654	242	14	10.55214/25768484.v9i5.7654	10.55214/25768484.v9i5.7654	NUM
easat-7654	242	15	©	©	NOUN
easat-7654	242	16	2025	2025	NUM
easat-7654	242	17	by	by	ADP
easat-7654	242	18	the	the	DET
easat-7654	242	19	authors	author	NOUN
easat-7654	242	20	;	;	PUNCT
easat-7654	242	21	licensee	licensee	PROPN
easat-7654	242	22	learning	learning	PROPN
easat-7654	242	23	gate	gate	PROPN
easat-7654	242	24	sr1	sr1	PROPN
easat-7654	242	25	0.865	0.865	NUM
easat-7654	242	26	sr2	sr2	PROPN
easat-7654	242	27	0.844	0.844	NUM
easat-7654	242	28	sr3	sr3	PROPN
easat-7654	242	29	0.825	0.825	NUM
easat-7654	242	30	4.4	4.4	NUM
easat-7654	242	31	.	.	PUNCT
easat-7654	243	1	(	(	PUNCT
easat-7654	243	2	inner	inner	ADJ
easat-7654	243	3	model	model	NOUN
easat-7654	243	4	)	)	PUNCT
easat-7654	243	5	structural	structural	ADJ
easat-7654	243	6	model	model	NOUN
easat-7654	243	7	analysis	analysis	NOUN
easat-7654	243	8	evaluation	evaluation	NOUN
easat-7654	243	9	of	of	ADP
easat-7654	243	10	the	the	DET
easat-7654	243	11	inner	inner	ADJ
easat-7654	243	12	model	model	NOUN
easat-7654	243	13	was	be	AUX
easat-7654	243	14	conducted	conduct	VERB
easat-7654	243	15	to	to	PART
easat-7654	243	16	measure	measure	VERB
easat-7654	243	17	the	the	DET
easat-7654	243	18	strength	strength	NOUN
easat-7654	243	19	and	and	CCONJ
easat-7654	243	20	significance	significance	NOUN
easat-7654	243	21	of	of	ADP
easat-7654	243	22	the	the	DET
easat-7654	243	23	causal	causal	ADJ
easat-7654	243	24	relationship	relationship	NOUN
easat-7654	243	25	between	between	ADP
easat-7654	243	26	latent	latent	NOUN
easat-7654	243	27	constructs	construct	NOUN
easat-7654	243	28	.	.	PUNCT
easat-7654	244	1	several	several	ADJ
easat-7654	244	2	tests	test	NOUN
easat-7654	244	3	were	be	AUX
easat-7654	244	4	performed	perform	VERB
easat-7654	244	5	,	,	PUNCT
easat-7654	244	6	including	include	VERB
easat-7654	244	7	:	:	PUNCT
easat-7654	244	8	r	r	X
easat-7654	244	9	-	-	PUNCT
easat-7654	244	10	square	square	NOUN
easat-7654	244	11	:	:	PUNCT
easat-7654	244	12	the	the	DET
easat-7654	244	13	r	r	NOUN
easat-7654	244	14	-	-	PUNCT
easat-7654	244	15	square	square	ADJ
easat-7654	244	16	value	value	NOUN
easat-7654	244	17	obtained	obtain	VERB
easat-7654	244	18	for	for	ADP
easat-7654	244	19	each	each	DET
easat-7654	244	20	endogenous	endogenous	ADJ
easat-7654	244	21	construct	construct	NOUN
easat-7654	244	22	indicates	indicate	VERB
easat-7654	244	23	the	the	DET
easat-7654	244	24	proportion	proportion	NOUN
easat-7654	244	25	of	of	ADP
easat-7654	244	26	variance	variance	NOUN
easat-7654	244	27	in	in	ADP
easat-7654	244	28	the	the	DET
easat-7654	244	29	endogenous	endogenous	ADJ
easat-7654	244	30	construct	construct	NOUN
easat-7654	244	31	that	that	PRON
easat-7654	244	32	can	can	AUX
easat-7654	244	33	be	be	AUX
easat-7654	244	34	explained	explain	VERB
easat-7654	244	35	by	by	ADP
easat-7654	244	36	the	the	DET
easat-7654	244	37	exogenous	exogenous	ADJ
easat-7654	244	38	construct	construct	NOUN
easat-7654	244	39	.	.	PUNCT
easat-7654	245	1	generally	generally	ADV
easat-7654	245	2	,	,	PUNCT
easat-7654	245	3	an	an	DET
easat-7654	245	4	r	r	NOUN
easat-7654	245	5	-	-	PUNCT
easat-7654	245	6	square	square	ADJ
easat-7654	245	7	value	value	NOUN
easat-7654	245	8	of	of	ADP
easat-7654	245	9	0.67	0.67	NUM
easat-7654	245	10	is	be	AUX
easat-7654	245	11	considered	consider	VERB
easat-7654	245	12	strong	strong	ADJ
easat-7654	245	13	,	,	PUNCT
easat-7654	245	14	0.33	0.33	NUM
easat-7654	245	15	is	be	AUX
easat-7654	245	16	moderate	moderate	ADJ
easat-7654	245	17	,	,	PUNCT
easat-7654	245	18	and	and	CCONJ
easat-7654	245	19	0.19	0.19	NUM
easat-7654	245	20	is	be	AUX
easat-7654	245	21	weak	weak	ADJ
easat-7654	245	22	.	.	PUNCT
easat-7654	246	1	f	f	X
easat-7654	246	2	-	-	PUNCT
easat-7654	246	3	square	square	ADJ
easat-7654	246	4	:	:	PUNCT
easat-7654	246	5	the	the	DET
easat-7654	246	6	f	f	PROPN
easat-7654	246	7	-	-	PUNCT
easat-7654	246	8	square	square	ADJ
easat-7654	246	9	value	value	NOUN
easat-7654	246	10	indicates	indicate	VERB
easat-7654	246	11	the	the	DET
easat-7654	246	12	effect	effect	NOUN
easat-7654	246	13	of	of	ADP
easat-7654	246	14	the	the	DET
easat-7654	246	15	exogenous	exogenous	ADJ
easat-7654	246	16	construct	construct	NOUN
easat-7654	246	17	on	on	ADP
easat-7654	246	18	the	the	DET
easat-7654	246	19	endogenous	endogenous	ADJ
easat-7654	246	20	construct	construct	NOUN
easat-7654	246	21	.	.	PUNCT
easat-7654	247	1	commonly	commonly	ADV
easat-7654	247	2	used	use	VERB
easat-7654	247	3	f	f	PROPN
easat-7654	247	4	-	-	PUNCT
easat-7654	247	5	square	square	ADJ
easat-7654	247	6	values	value	NOUN
easat-7654	247	7	are	be	AUX
easat-7654	247	8	0.02	0.02	NUM
easat-7654	247	9	(	(	PUNCT
easat-7654	247	10	small	small	ADJ
easat-7654	247	11	)	)	PUNCT
easat-7654	247	12	,	,	PUNCT
easat-7654	247	13	0.15	0.15	NUM
easat-7654	247	14	(	(	PUNCT
easat-7654	247	15	medium	medium	NOUN
easat-7654	247	16	)	)	PUNCT
easat-7654	247	17	,	,	PUNCT
easat-7654	247	18	and	and	CCONJ
easat-7654	247	19	0.35	0.35	NUM
easat-7654	247	20	(	(	PUNCT
easat-7654	247	21	large	large	ADJ
easat-7654	247	22	)	)	PUNCT
easat-7654	247	23	.	.	PUNCT
easat-7654	248	1	table	table	NOUN
easat-7654	248	2	5	5	NUM
easat-7654	248	3	.	.	PUNCT
easat-7654	248	4	result	result	NOUN
easat-7654	248	5	of	of	ADP
easat-7654	248	6	r	r	NOUN
easat-7654	248	7	-	-	PUNCT
easat-7654	248	8	square	square	NOUN
easat-7654	248	9	.	.	PUNCT
easat-7654	249	1	h.	h.	NOUN
easat-7654	249	2	r	r	X
easat-7654	249	3	-	-	PUNCT
easat-7654	249	4	square	square	ADJ
easat-7654	249	5	behavioral	behavioral	ADJ
easat-7654	249	6	intention	intention	NOUN
easat-7654	249	7	0.484	0.484	NUM
easat-7654	249	8	digital	digital	ADJ
easat-7654	249	9	financial	financial	ADJ
easat-7654	249	10	literacy	literacy	NOUN
easat-7654	249	11	0.574	0.574	NUM
easat-7654	249	12	hedonic	hedonic	ADJ
easat-7654	249	13	motivation	motivation	NOUN
easat-7654	249	14	0.49	0.49	NUM
easat-7654	249	15	based	base	VERB
easat-7654	249	16	on	on	ADP
easat-7654	249	17	the	the	DET
easat-7654	249	18	r	r	NOUN
easat-7654	249	19	-	-	PUNCT
easat-7654	249	20	squared	square	VERB
easat-7654	249	21	value	value	NOUN
easat-7654	249	22	in	in	ADP
easat-7654	249	23	table	table	NOUN
easat-7654	249	24	5	5	NUM
easat-7654	249	25	,	,	PUNCT
easat-7654	249	26	it	it	PRON
easat-7654	249	27	can	can	AUX
easat-7654	249	28	be	be	AUX
easat-7654	249	29	concluded	conclude	VERB
easat-7654	249	30	that	that	SCONJ
easat-7654	249	31	the	the	DET
easat-7654	249	32	r	r	NOUN
easat-7654	249	33	-	-	PUNCT
easat-7654	249	34	squared	square	VERB
easat-7654	249	35	value	value	NOUN
easat-7654	249	36	in	in	ADP
easat-7654	249	37	this	this	DET
easat-7654	249	38	study	study	NOUN
easat-7654	249	39	is	be	AUX
easat-7654	249	40	moderate	moderate	ADJ
easat-7654	249	41	.	.	PUNCT
easat-7654	250	1	the	the	DET
easat-7654	250	2	f	f	NOUN
easat-7654	250	3	-	-	PUNCT
easat-7654	250	4	squared	square	VERB
easat-7654	250	5	values	value	NOUN
easat-7654	250	6	in	in	ADP
easat-7654	250	7	table	table	NOUN
easat-7654	250	8	6	6	NUM
easat-7654	250	9	have	have	VERB
easat-7654	250	10	one	one	NUM
easat-7654	250	11	value	value	NOUN
easat-7654	250	12	of	of	ADP
easat-7654	250	13	0.009	0.009	NUM
easat-7654	250	14	,	,	PUNCT
easat-7654	250	15	0.013	0.013	NUM
easat-7654	250	16	,	,	PUNCT
easat-7654	250	17	0.014	0.014	NUM
easat-7654	250	18	,	,	PUNCT
easat-7654	250	19	which	which	PRON
easat-7654	250	20	is	be	AUX
easat-7654	250	21	considered	consider	VERB
easat-7654	250	22	low	low	ADJ
easat-7654	250	23	;	;	PUNCT
easat-7654	250	24	however	however	ADV
easat-7654	250	25	,	,	PUNCT
easat-7654	250	26	the	the	DET
easat-7654	250	27	remaining	remain	VERB
easat-7654	250	28	f	f	NOUN
easat-7654	250	29	-	-	PUNCT
easat-7654	250	30	squared	square	VERB
easat-7654	250	31	values	value	NOUN
easat-7654	250	32	are	be	AUX
easat-7654	250	33	above	above	ADP
easat-7654	250	34	the	the	DET
easat-7654	250	35	medium	medium	ADJ
easat-7654	250	36	and	and	CCONJ
easat-7654	250	37	high	high	ADJ
easat-7654	250	38	thresholds	threshold	NOUN
easat-7654	250	39	.	.	PUNCT
easat-7654	251	1	table	table	NOUN
easat-7654	251	2	6	6	NUM
easat-7654	251	3	.	.	PUNCT
easat-7654	251	4	result	result	NOUN
easat-7654	251	5	of	of	ADP
easat-7654	251	6	f	f	PROPN
easat-7654	251	7	-	-	PUNCT
easat-7654	251	8	square	square	PROPN
easat-7654	251	9	.	.	PUNCT
easat-7654	252	1	h.	h.	NOUN
easat-7654	253	1	f	f	X
easat-7654	253	2	-	-	PUNCT
easat-7654	253	3	square	square	ADJ
easat-7654	253	4	bi	bi	NOUN
easat-7654	253	5	dfl	dfl	PROPN
easat-7654	253	6	hm	hm	PROPN
easat-7654	254	1	dfl	dfl	PROPN
easat-7654	254	2	0.013	0.013	NUM
easat-7654	254	3	ee	ee	PROPN
easat-7654	254	4	0.046	0.046	NUM
easat-7654	254	5	fc	fc	PROPN
easat-7654	254	6	0.032	0.032	NUM
easat-7654	254	7	hb	hb	PROPN
easat-7654	255	1	0.033	0.033	NUM
easat-7654	255	2	hm	hm	INTJ
easat-7654	255	3	0.014	0.014	NUM
easat-7654	255	4	pe	pe	ADP
easat-7654	255	5	0.107	0.107	NUM
easat-7654	255	6	0.213	0.213	NUM
easat-7654	255	7	pv	pv	NOUN
easat-7654	255	8	0.046	0.046	NUM
easat-7654	255	9	0.073	0.073	NUM
easat-7654	255	10	sr	sr	PROPN
easat-7654	255	11	0.009	0.009	NUM
easat-7654	255	12	based	base	VERB
easat-7654	255	13	on	on	ADP
easat-7654	255	14	the	the	DET
easat-7654	255	15	r	r	NOUN
easat-7654	255	16	-	-	PUNCT
easat-7654	255	17	squared	square	VERB
easat-7654	255	18	value	value	NOUN
easat-7654	255	19	in	in	ADP
easat-7654	255	20	table	table	NOUN
easat-7654	255	21	5	5	NUM
easat-7654	255	22	,	,	PUNCT
easat-7654	255	23	it	it	PRON
easat-7654	255	24	can	can	AUX
easat-7654	255	25	be	be	AUX
easat-7654	255	26	concluded	conclude	VERB
easat-7654	255	27	that	that	SCONJ
easat-7654	255	28	the	the	DET
easat-7654	255	29	r	r	NOUN
easat-7654	255	30	-	-	PUNCT
easat-7654	255	31	squared	square	VERB
easat-7654	255	32	value	value	NOUN
easat-7654	255	33	in	in	ADP
easat-7654	255	34	this	this	DET
easat-7654	255	35	study	study	NOUN
easat-7654	255	36	is	be	AUX
easat-7654	255	37	moderate	moderate	ADJ
easat-7654	255	38	.	.	PUNCT
easat-7654	256	1	the	the	DET
easat-7654	256	2	f	f	NOUN
easat-7654	256	3	-	-	PUNCT
easat-7654	256	4	squared	square	VERB
easat-7654	256	5	values	value	NOUN
easat-7654	256	6	in	in	ADP
easat-7654	256	7	table	table	NOUN
easat-7654	256	8	6	6	NUM
easat-7654	256	9	have	have	VERB
easat-7654	256	10	one	one	NUM
easat-7654	256	11	value	value	NOUN
easat-7654	256	12	of	of	ADP
easat-7654	256	13	0.009	0.009	NUM
easat-7654	256	14	,	,	PUNCT
easat-7654	256	15	0.013	0.013	NUM
easat-7654	256	16	,	,	PUNCT
easat-7654	256	17	0.014	0.014	NUM
easat-7654	256	18	,	,	PUNCT
easat-7654	256	19	which	which	PRON
easat-7654	256	20	is	be	AUX
easat-7654	256	21	considered	consider	VERB
easat-7654	256	22	low	low	ADJ
easat-7654	256	23	;	;	PUNCT
easat-7654	256	24	however	however	ADV
easat-7654	256	25	,	,	PUNCT
easat-7654	256	26	the	the	DET
easat-7654	256	27	remaining	remain	VERB
easat-7654	256	28	f	f	NOUN
easat-7654	256	29	-	-	PUNCT
easat-7654	256	30	squared	square	VERB
easat-7654	256	31	values	value	NOUN
easat-7654	256	32	are	be	AUX
easat-7654	256	33	above	above	ADP
easat-7654	256	34	the	the	DET
easat-7654	256	35	medium	medium	ADJ
easat-7654	256	36	and	and	CCONJ
easat-7654	256	37	high	high	ADJ
easat-7654	256	38	thresholds	threshold	NOUN
easat-7654	256	39	.	.	PUNCT
easat-7654	257	1	4.5	4.5	NUM
easat-7654	257	2	.	.	PUNCT
easat-7654	258	1	hypothesis	hypothesis	NOUN
easat-7654	258	2	test	test	NOUN
easat-7654	258	3	if	if	SCONJ
easat-7654	258	4	the	the	DET
easat-7654	258	5	bootstrapping	bootstrappe	VERB
easat-7654	258	6	procedure	procedure	NOUN
easat-7654	258	7	yields	yield	VERB
easat-7654	258	8	a	a	DET
easat-7654	258	9	significant	significant	ADJ
easat-7654	258	10	value	value	NOUN
easat-7654	258	11	for	for	ADP
easat-7654	258	12	the	the	DET
easat-7654	258	13	t	t	PROPN
easat-7654	258	14	-	-	PUNCT
easat-7654	258	15	statistic	statistic	NOUN
easat-7654	258	16	is	be	AUX
easat-7654	258	17	greater	great	ADJ
easat-7654	258	18	than	than	ADP
easat-7654	258	19	1.96	1.96	NUM
easat-7654	258	20	,	,	PUNCT
easat-7654	258	21	then	then	ADV
easat-7654	258	22	the	the	DET
easat-7654	258	23	weight	weight	NOUN
easat-7654	258	24	of	of	ADP
easat-7654	258	25	that	that	DET
easat-7654	258	26	indicator	indicator	NOUN
easat-7654	258	27	can	can	AUX
easat-7654	258	28	be	be	AUX
easat-7654	258	29	considered	consider	VERB
easat-7654	258	30	significant	significant	ADJ
easat-7654	258	31	.	.	PUNCT
easat-7654	259	1	conversely	conversely	ADV
easat-7654	259	2	,	,	PUNCT
easat-7654	259	3	it	it	PRON
easat-7654	259	4	is	be	AUX
easat-7654	259	5	considered	consider	VERB
easat-7654	259	6	insignificant	insignificant	ADJ
easat-7654	259	7	if	if	SCONJ
easat-7654	259	8	the	the	DET
easat-7654	259	9	value	value	NOUN
easat-7654	259	10	is	be	AUX
easat-7654	259	11	below	below	ADP
easat-7654	259	12	1.96	1.96	NUM
easat-7654	259	13	.	.	PUNCT
easat-7654	260	1	a	a	DET
easat-7654	260	2	p	p	NOUN
easat-7654	260	3	-	-	PUNCT
easat-7654	260	4	value	value	NOUN
easat-7654	260	5	will	will	AUX
easat-7654	260	6	be	be	AUX
easat-7654	260	7	considered	consider	VERB
easat-7654	260	8	significant	significant	ADJ
easat-7654	260	9	if	if	SCONJ
easat-7654	260	10	the	the	DET
easat-7654	260	11	value	value	NOUN
easat-7654	260	12	is	be	AUX
easat-7654	260	13	below	below	ADP
easat-7654	260	14	0.5	0.5	NUM
easat-7654	260	15	,	,	PUNCT
easat-7654	260	16	and	and	CCONJ
easat-7654	260	17	will	will	AUX
easat-7654	260	18	be	be	AUX
easat-7654	260	19	rejected	reject	VERB
easat-7654	260	20	if	if	SCONJ
easat-7654	260	21	the	the	DET
easat-7654	260	22	p	p	NOUN
easat-7654	260	23	-	-	PUNCT
easat-7654	260	24	value	value	NOUN
easat-7654	260	25	is	be	AUX
easat-7654	260	26	above	above	ADP
easat-7654	260	27	0.5	0.5	NUM
easat-7654	260	28	.	.	PUNCT
easat-7654	260	29	3145	3145	NUM
easat-7654	260	30	edelweiss	edelweiss	PROPN
easat-7654	260	31	applied	apply	VERB
easat-7654	260	32	science	science	NOUN
easat-7654	260	33	and	and	CCONJ
easat-7654	260	34	technology	technology	NOUN
easat-7654	260	35	issn	issn	PROPN
easat-7654	260	36	:	:	PUNCT
easat-7654	260	37	2576	2576	NUM
easat-7654	260	38	-	-	SYM
easat-7654	260	39	8484	8484	NUM
easat-7654	260	40	vol	vol	NOUN
easat-7654	260	41	.	.	PROPN
easat-7654	261	1	9	9	NUM
easat-7654	261	2	,	,	PUNCT
easat-7654	261	3	no	no	INTJ
easat-7654	261	4	.	.	NOUN
easat-7654	261	5	5	5	NUM
easat-7654	261	6	:	:	SYM
easat-7654	261	7	3134	3134	NUM
easat-7654	261	8	-	-	SYM
easat-7654	261	9	3148	3148	NUM
easat-7654	261	10	,	,	PUNCT
easat-7654	261	11	2025	2025	NUM
easat-7654	261	12	doi	doi	NOUN
easat-7654	261	13	:	:	PUNCT
easat-7654	261	14	10.55214/25768484.v9i5.7654	10.55214/25768484.v9i5.7654	NUM
easat-7654	261	15	©	©	NOUN
easat-7654	261	16	2025	2025	NUM
easat-7654	261	17	by	by	ADP
easat-7654	261	18	the	the	DET
easat-7654	261	19	authors	author	NOUN
easat-7654	261	20	;	;	PUNCT
easat-7654	261	21	licensee	licensee	PROPN
easat-7654	261	22	learning	learn	VERB
easat-7654	261	23	gate	gate	NOUN
easat-7654	261	24	table	table	NOUN
easat-7654	261	25	7	7	NUM
easat-7654	261	26	.	.	PUNCT
easat-7654	261	27	result	result	NOUN
easat-7654	261	28	of	of	ADP
easat-7654	261	29	direct	direct	ADJ
easat-7654	261	30	effect	effect	NOUN
easat-7654	261	31	coefficient	coefficient	NOUN
easat-7654	261	32	.	.	PUNCT
easat-7654	262	1	h.	h.	PROPN
easat-7654	262	2	direct	direct	ADJ
easat-7654	262	3	effect	effect	NOUN
easat-7654	262	4	coefficient	coefficient	NOUN
easat-7654	262	5	original	original	ADJ
easat-7654	262	6	sample	sample	NOUN
easat-7654	262	7	(	(	PUNCT
easat-7654	262	8	o	o	NOUN
easat-7654	262	9	)	)	PUNCT
easat-7654	262	10	sample	sample	NOUN
easat-7654	262	11	mean	mean	NOUN
easat-7654	262	12	(	(	PUNCT
easat-7654	262	13	m	m	NOUN
easat-7654	262	14	)	)	PUNCT
easat-7654	262	15	standard	standard	ADJ
easat-7654	262	16	deviation	deviation	NOUN
easat-7654	262	17	(	(	PUNCT
easat-7654	262	18	stdev	stdev	NOUN
easat-7654	262	19	)	)	PUNCT
easat-7654	262	20	t	t	PROPN
easat-7654	262	21	statistic	statistic	NOUN
easat-7654	262	22	p	p	NOUN
easat-7654	262	23	value	value	NOUN
easat-7654	262	24	criteria	criterion	NOUN
easat-7654	262	25	dfl	dfl	PROPN
easat-7654	262	26	>	>	X
easat-7654	262	27	bi	bi	PROPN
easat-7654	262	28	0.154	0.154	NUM
easat-7654	262	29	0.153	0.153	NUM
easat-7654	262	30	0.053	0.053	NUM
easat-7654	262	31	2.891	2.891	NUM
easat-7654	262	32	0.004	0.004	NUM
easat-7654	262	33	significant	significant	ADJ
easat-7654	262	34	ee	ee	X
easat-7654	262	35	>	>	X
easat-7654	262	36	bi	bi	NOUN
easat-7654	262	37	0.242	0.242	NUM
easat-7654	262	38	0.241	0.241	NUM
easat-7654	262	39	0.053	0.053	NUM
easat-7654	262	40	4.595	4.595	NUM
easat-7654	262	41	0.00	0.00	NUM
easat-7654	262	42	significant	significant	ADJ
easat-7654	262	43	fc	fc	PROPN
easat-7654	262	44	>	>	X
easat-7654	262	45	bi	bi	NOUN
easat-7654	262	46	0.217	0.217	NUM
easat-7654	262	47	0.217	0.217	NUM
easat-7654	262	48	0.057	0.057	NUM
easat-7654	262	49	3.792	3.792	NUM
easat-7654	262	50	0.00	0.00	NUM
easat-7654	262	51	significant	significant	ADJ
easat-7654	262	52	hb	hb	X
easat-7654	262	53	>	>	X
easat-7654	262	54	bi	bi	PROPN
easat-7654	262	55	0.205	0.205	NUM
easat-7654	262	56	0.206	0.206	NUM
easat-7654	262	57	0.055	0.055	NUM
easat-7654	262	58	3.742	3.742	NUM
easat-7654	262	59	0.00	0.00	NUM
easat-7654	262	60	significant	significant	ADJ
easat-7654	262	61	hm	hm	INTJ
easat-7654	262	62	>	>	X
easat-7654	262	63	bi	bi	NOUN
easat-7654	262	64	0.118	0.118	NUM
easat-7654	262	65	0.118	0.118	NUM
easat-7654	262	66	0.047	0.047	NUM
easat-7654	262	67	2.529	2.529	NUM
easat-7654	262	68	0.011	0.011	NUM
easat-7654	262	69	significant	significant	ADJ
easat-7654	262	70	pe	pe	PROPN
easat-7654	262	71	>	>	X
easat-7654	262	72	dfl	dfl	PROPN
easat-7654	262	73	0.352	0.352	NUM
easat-7654	262	74	0.349	0.349	NUM
easat-7654	262	75	0.066	0.066	NUM
easat-7654	262	76	5.354	5.354	NUM
easat-7654	262	77	0.00	0.00	NUM
easat-7654	262	78	significant	significant	ADJ
easat-7654	262	79	pe	pe	ADP
easat-7654	262	80	>	>	X
easat-7654	262	81	hm	hm	X
easat-7654	262	82	0.473	0.473	NUM
easat-7654	262	83	0.471	0.471	NUM
easat-7654	262	84	0.062	0.062	NUM
easat-7654	262	85	7.696	7.696	NUM
easat-7654	262	86	0.00	0.00	NUM
easat-7654	262	87	significant	significant	ADJ
easat-7654	262	88	pv	pv	NOUN
easat-7654	262	89	>	>	X
easat-7654	262	90	dfl	dfl	PROPN
easat-7654	262	91	0.216	0.216	NUM
easat-7654	262	92	0.214	0.214	NUM
easat-7654	262	93	0.061	0.061	NUM
easat-7654	262	94	3.562	3.562	NUM
easat-7654	262	95	0.00	0.00	NUM
easat-7654	262	96	significant	significant	ADJ
easat-7654	262	97	pv	pv	NOUN
easat-7654	262	98	>	>	X
easat-7654	262	99	hm	hm	INTJ
easat-7654	262	100	0.277	0.277	NUM
easat-7654	262	101	0.28	0.28	NUM
easat-7654	262	102	0.062	0.062	NUM
easat-7654	262	103	4.468	4.468	NUM
easat-7654	262	104	0.00	0.00	NUM
easat-7654	262	105	significant	significant	ADJ
easat-7654	262	106	sr	sr	PROPN
easat-7654	262	107	>	>	X
easat-7654	262	108	dfl	dfl	PROPN
easat-7654	262	109	0.082	0.082	NUM
easat-7654	262	110	0.084	0.084	NUM
easat-7654	262	111	0.049	0.049	NUM
easat-7654	262	112	1.669	1.669	NUM
easat-7654	262	113	0.095	0.095	NUM
easat-7654	262	114	not	not	PART
easat-7654	262	115	significant	significant	ADJ
easat-7654	262	116	si	si	INTJ
easat-7654	262	117	>	>	X
easat-7654	262	118	dfl	dfl	PROPN
easat-7654	262	119	0.226	0.226	NUM
easat-7654	262	120	0.229	0.229	NUM
easat-7654	262	121	0.069	0.069	NUM
easat-7654	262	122	3.283	3.283	NUM
easat-7654	262	123	0.001	0.001	NUM
easat-7654	262	124	significant	significant	ADJ
easat-7654	262	125	this	this	DET
easat-7654	262	126	table	table	NOUN
easat-7654	262	127	7	7	NUM
easat-7654	262	128	above	above	ADP
easat-7654	262	129	shows	show	NOUN
easat-7654	262	130	about	about	ADP
easat-7654	262	131	direct	direct	ADJ
easat-7654	262	132	effect	effect	NOUN
easat-7654	262	133	coefficient	coefficient	NOUN
easat-7654	262	134	,	,	PUNCT
easat-7654	262	135	this	this	DET
easat-7654	262	136	study	study	NOUN
easat-7654	262	137	highlights	highlight	VERB
easat-7654	262	138	a	a	DET
easat-7654	262	139	number	number	NOUN
easat-7654	262	140	of	of	ADP
easat-7654	262	141	important	important	ADJ
easat-7654	262	142	factors	factor	NOUN
easat-7654	262	143	that	that	PRON
easat-7654	262	144	influence	influence	VERB
easat-7654	262	145	users	user	NOUN
easat-7654	262	146	'	'	PART
easat-7654	262	147	levels	level	NOUN
easat-7654	262	148	of	of	ADP
easat-7654	262	149	digital	digital	ADJ
easat-7654	262	150	financial	financial	ADJ
easat-7654	262	151	literacy	literacy	NOUN
easat-7654	262	152	and	and	CCONJ
easat-7654	262	153	their	their	PRON
easat-7654	262	154	behavioral	behavioral	ADJ
easat-7654	262	155	intention	intention	NOUN
easat-7654	262	156	toward	toward	ADP
easat-7654	262	157	using	use	VERB
easat-7654	262	158	online	online	ADJ
easat-7654	262	159	loan	loan	NOUN
easat-7654	262	160	services	service	NOUN
easat-7654	262	161	.	.	PUNCT
easat-7654	263	1	a	a	DET
easat-7654	263	2	greater	great	ADJ
easat-7654	263	3	grasp	grasp	NOUN
easat-7654	263	4	of	of	ADP
easat-7654	263	5	digital	digital	ADJ
easat-7654	263	6	finance	finance	NOUN
easat-7654	263	7	fuels	fuel	VERB
easat-7654	263	8	the	the	DET
easat-7654	263	9	desire	desire	NOUN
easat-7654	263	10	to	to	PART
easat-7654	263	11	use	use	VERB
easat-7654	263	12	online	online	ADJ
easat-7654	263	13	loan	loan	NOUN
easat-7654	263	14	services	service	NOUN
easat-7654	263	15	,	,	PUNCT
easat-7654	263	16	as	as	SCONJ
easat-7654	263	17	seen	see	VERB
easat-7654	263	18	by	by	ADP
easat-7654	263	19	the	the	DET
easat-7654	263	20	positive	positive	ADJ
easat-7654	263	21	and	and	CCONJ
easat-7654	263	22	substantial	substantial	ADJ
easat-7654	263	23	relationship	relationship	NOUN
easat-7654	263	24	between	between	ADP
easat-7654	263	25	digital	digital	ADJ
easat-7654	263	26	financial	financial	ADJ
easat-7654	263	27	literacy	literacy	NOUN
easat-7654	263	28	and	and	CCONJ
easat-7654	263	29	behavioral	behavioral	ADJ
easat-7654	263	30	intention	intention	NOUN
easat-7654	263	31	(	(	PUNCT
easat-7654	263	32	t	t	NOUN
easat-7654	263	33	-	-	PUNCT
easat-7654	263	34	statistic	statistic	NOUN
easat-7654	263	35	:	:	PUNCT
easat-7654	263	36	2.891	2.891	NUM
easat-7654	263	37	,	,	PUNCT
easat-7654	263	38	p	p	NOUN
easat-7654	263	39	-	-	PUNCT
easat-7654	263	40	value	value	NOUN
easat-7654	263	41	:	:	PUNCT
easat-7654	263	42	0.004	0.004	NUM
easat-7654	263	43	)	)	PUNCT
easat-7654	263	44	.	.	PUNCT
easat-7654	264	1	in	in	ADP
easat-7654	264	2	addition	addition	NOUN
easat-7654	264	3	,	,	PUNCT
easat-7654	264	4	behavioral	behavioral	ADJ
easat-7654	264	5	intention	intention	NOUN
easat-7654	264	6	(	(	PUNCT
easat-7654	264	7	t	t	NOUN
easat-7654	264	8	-	-	PUNCT
easat-7654	264	9	statistic	statistic	NOUN
easat-7654	264	10	:	:	PUNCT
easat-7654	264	11	4.595	4.595	NUM
easat-7654	264	12	,	,	PUNCT
easat-7654	264	13	p	p	NOUN
easat-7654	264	14	-	-	PUNCT
easat-7654	264	15	value	value	NOUN
easat-7654	264	16	:	:	PUNCT
easat-7654	264	17	0.00	0.00	NUM
easat-7654	264	18	)	)	PUNCT
easat-7654	264	19	is	be	AUX
easat-7654	264	20	significantly	significantly	ADV
easat-7654	264	21	influenced	influence	VERB
easat-7654	264	22	by	by	ADP
easat-7654	264	23	perceived	perceive	VERB
easat-7654	264	24	ease	ease	NOUN
easat-7654	264	25	of	of	ADP
easat-7654	264	26	use	use	NOUN
easat-7654	264	27	(	(	PUNCT
easat-7654	264	28	effort	effort	NOUN
easat-7654	264	29	expectancy	expectancy	NOUN
easat-7654	264	30	)	)	PUNCT
easat-7654	264	31	,	,	PUNCT
easat-7654	264	32	support	support	NOUN
easat-7654	264	33	availability	availability	NOUN
easat-7654	264	34	(	(	PUNCT
easat-7654	264	35	facilitating	facilitate	VERB
easat-7654	264	36	conditions	condition	NOUN
easat-7654	264	37	)	)	PUNCT
easat-7654	264	38	(	(	PUNCT
easat-7654	264	39	t	t	NOUN
easat-7654	264	40	-	-	PUNCT
easat-7654	264	41	statistic	statistic	NOUN
easat-7654	264	42	:	:	PUNCT
easat-7654	264	43	3.792	3.792	NUM
easat-7654	264	44	,	,	PUNCT
easat-7654	264	45	p	p	NOUN
easat-7654	264	46	-	-	PUNCT
easat-7654	264	47	value	value	NOUN
easat-7654	264	48	:	:	PUNCT
easat-7654	264	49	0.00	0.00	NUM
easat-7654	264	50	)	)	PUNCT
easat-7654	264	51	,	,	PUNCT
easat-7654	264	52	enjoyment	enjoyment	NOUN
easat-7654	264	53	(	(	PUNCT
easat-7654	264	54	hedonic	hedonic	ADJ
easat-7654	264	55	motivation	motivation	NOUN
easat-7654	264	56	)	)	PUNCT
easat-7654	264	57	(	(	PUNCT
easat-7654	264	58	t	t	NOUN
easat-7654	264	59	-	-	PUNCT
easat-7654	264	60	statistic	statistic	NOUN
easat-7654	264	61	:	:	PUNCT
easat-7654	264	62	2.529	2.529	NUM
easat-7654	264	63	,	,	PUNCT
easat-7654	264	64	p	p	NOUN
easat-7654	264	65	-	-	PUNCT
easat-7654	264	66	value	value	NOUN
easat-7654	264	67	:	:	PUNCT
easat-7654	264	68	0.011	0.011	NUM
easat-7654	264	69	)	)	PUNCT
easat-7654	264	70	,	,	PUNCT
easat-7654	264	71	and	and	CCONJ
easat-7654	264	72	habit	habit	NOUN
easat-7654	264	73	(	(	PUNCT
easat-7654	264	74	t	t	NOUN
easat-7654	264	75	-	-	PUNCT
easat-7654	264	76	statistic	statistic	NOUN
easat-7654	264	77	:	:	PUNCT
easat-7654	264	78	3.742	3.742	NUM
easat-7654	264	79	,	,	PUNCT
easat-7654	264	80	p	p	NOUN
easat-7654	264	81	-	-	PUNCT
easat-7654	264	82	value	value	NOUN
easat-7654	264	83	:	:	PUNCT
easat-7654	264	84	0.00	0.00	NUM
easat-7654	264	85	)	)	PUNCT
easat-7654	264	86	.	.	PUNCT
easat-7654	265	1	this	this	PRON
easat-7654	265	2	implies	imply	VERB
easat-7654	265	3	that	that	SCONJ
easat-7654	265	4	the	the	DET
easat-7654	265	5	adoption	adoption	NOUN
easat-7654	265	6	of	of	ADP
easat-7654	265	7	online	online	ADJ
easat-7654	265	8	lending	lending	NOUN
easat-7654	265	9	services	service	NOUN
easat-7654	265	10	is	be	AUX
easat-7654	265	11	greatly	greatly	ADV
easat-7654	265	12	aided	aid	VERB
easat-7654	265	13	by	by	ADP
easat-7654	265	14	a	a	DET
easat-7654	265	15	favorable	favorable	ADJ
easat-7654	265	16	user	user	NOUN
easat-7654	265	17	experience	experience	NOUN
easat-7654	265	18	,	,	PUNCT
easat-7654	265	19	sufficient	sufficient	ADJ
easat-7654	265	20	resources	resource	NOUN
easat-7654	265	21	,	,	PUNCT
easat-7654	265	22	entertainment	entertainment	NOUN
easat-7654	265	23	features	feature	NOUN
easat-7654	265	24	,	,	PUNCT
easat-7654	265	25	and	and	CCONJ
easat-7654	265	26	established	establish	VERB
easat-7654	265	27	usage	usage	NOUN
easat-7654	265	28	habits	habit	NOUN
easat-7654	265	29	.	.	PUNCT
easat-7654	266	1	moreover	moreover	ADV
easat-7654	266	2	,	,	PUNCT
easat-7654	266	3	this	this	DET
easat-7654	266	4	research	research	NOUN
easat-7654	266	5	highlights	highlight	VERB
easat-7654	266	6	the	the	DET
easat-7654	266	7	antecedents	antecedent	NOUN
easat-7654	266	8	of	of	ADP
easat-7654	266	9	digital	digital	ADJ
easat-7654	266	10	financial	financial	ADJ
easat-7654	266	11	literacy	literacy	NOUN
easat-7654	266	12	and	and	CCONJ
easat-7654	266	13	user	user	NOUN
easat-7654	266	14	habits	habit	NOUN
easat-7654	266	15	.	.	PUNCT
easat-7654	267	1	the	the	DET
easat-7654	267	2	perceived	perceive	VERB
easat-7654	267	3	benefits	benefit	NOUN
easat-7654	267	4	of	of	ADP
easat-7654	267	5	the	the	DET
easat-7654	267	6	application	application	NOUN
easat-7654	267	7	(	(	PUNCT
easat-7654	267	8	performance	performance	NOUN
easat-7654	267	9	expectancy	expectancy	NOUN
easat-7654	267	10	)	)	PUNCT
easat-7654	267	11	significantly	significantly	ADV
easat-7654	267	12	enhance	enhance	VERB
easat-7654	267	13	both	both	DET
easat-7654	267	14	digital	digital	ADJ
easat-7654	267	15	financial	financial	ADJ
easat-7654	267	16	literacy	literacy	NOUN
easat-7654	267	17	(	(	PUNCT
easat-7654	267	18	t	t	NOUN
easat-7654	267	19	-	-	PUNCT
easat-7654	267	20	statistic	statistic	NOUN
easat-7654	267	21	:	:	PUNCT
easat-7654	267	22	5.354	5.354	NUM
easat-7654	267	23	,	,	PUNCT
easat-7654	267	24	p	p	NOUN
easat-7654	267	25	-	-	PUNCT
easat-7654	267	26	value	value	NOUN
easat-7654	267	27	:	:	PUNCT
easat-7654	267	28	0.00	0.00	NUM
easat-7654	267	29	)	)	PUNCT
easat-7654	267	30	and	and	CCONJ
easat-7654	267	31	the	the	DET
easat-7654	267	32	formation	formation	NOUN
easat-7654	267	33	of	of	ADP
easat-7654	267	34	usage	usage	NOUN
easat-7654	267	35	habits	habit	NOUN
easat-7654	267	36	(	(	PUNCT
easat-7654	267	37	t	t	NOUN
easat-7654	267	38	-	-	PUNCT
easat-7654	267	39	statistic	statistic	NOUN
easat-7654	267	40	:	:	PUNCT
easat-7654	267	41	7.696	7.696	NUM
easat-7654	267	42	,	,	PUNCT
easat-7654	267	43	p	p	NOUN
easat-7654	267	44	-	-	PUNCT
easat-7654	267	45	value	value	NOUN
easat-7654	267	46	:	:	PUNCT
easat-7654	267	47	0.00	0.00	NUM
easat-7654	267	48	)	)	PUNCT
easat-7654	267	49	.	.	PUNCT
easat-7654	268	1	similarly	similarly	ADV
easat-7654	268	2	,	,	PUNCT
easat-7654	268	3	the	the	DET
easat-7654	268	4	perception	perception	NOUN
easat-7654	268	5	of	of	ADP
easat-7654	268	6	worthwhile	worthwhile	ADJ
easat-7654	268	7	value	value	NOUN
easat-7654	268	8	(	(	PUNCT
easat-7654	268	9	perceived	perceive	VERB
easat-7654	268	10	voluntariness	voluntariness	ADV
easat-7654	268	11	)	)	PUNCT
easat-7654	268	12	also	also	ADV
easat-7654	268	13	positively	positively	ADV
easat-7654	268	14	contributes	contribute	VERB
easat-7654	268	15	to	to	ADP
easat-7654	268	16	the	the	DET
easat-7654	268	17	improvement	improvement	NOUN
easat-7654	268	18	of	of	ADP
easat-7654	268	19	digital	digital	ADJ
easat-7654	268	20	financial	financial	ADJ
easat-7654	268	21	literacy	literacy	NOUN
easat-7654	268	22	(	(	PUNCT
easat-7654	268	23	t	t	NOUN
easat-7654	268	24	-	-	PUNCT
easat-7654	268	25	statistic	statistic	NOUN
easat-7654	268	26	:	:	PUNCT
easat-7654	268	27	3.562	3.562	NUM
easat-7654	268	28	,	,	PUNCT
easat-7654	268	29	p	p	NOUN
easat-7654	268	30	-	-	PUNCT
easat-7654	268	31	value	value	NOUN
easat-7654	268	32	:	:	PUNCT
easat-7654	268	33	0.00	0.00	NUM
easat-7654	268	34	)	)	PUNCT
easat-7654	268	35	and	and	CCONJ
easat-7654	268	36	habit	habit	ADJ
easat-7654	268	37	formation	formation	NOUN
easat-7654	268	38	(	(	PUNCT
easat-7654	268	39	t	t	NOUN
easat-7654	268	40	-	-	PUNCT
easat-7654	268	41	statistic	statistic	NOUN
easat-7654	268	42	:	:	PUNCT
easat-7654	268	43	4.468	4.468	NUM
easat-7654	268	44	,	,	PUNCT
easat-7654	268	45	p	p	NOUN
easat-7654	268	46	-	-	PUNCT
easat-7654	268	47	value	value	NOUN
easat-7654	268	48	:	:	PUNCT
easat-7654	268	49	0.00	0.00	NUM
easat-7654	268	50	)	)	PUNCT
easat-7654	268	51	.	.	PUNCT
easat-7654	269	1	interestingly	interestingly	ADV
easat-7654	269	2	,	,	PUNCT
easat-7654	269	3	the	the	DET
easat-7654	269	4	social	social	ADJ
easat-7654	269	5	influence	influence	NOUN
easat-7654	269	6	from	from	ADP
easat-7654	269	7	the	the	DET
easat-7654	269	8	surrounding	surround	VERB
easat-7654	269	9	environment	environment	NOUN
easat-7654	269	10	(	(	PUNCT
easat-7654	269	11	social	social	ADJ
easat-7654	269	12	influence	influence	NOUN
easat-7654	269	13	)	)	PUNCT
easat-7654	269	14	proves	prove	VERB
easat-7654	269	15	significant	significant	ADJ
easat-7654	269	16	in	in	ADP
easat-7654	269	17	increasing	increase	VERB
easat-7654	269	18	users	user	NOUN
easat-7654	269	19	'	'	PART
easat-7654	269	20	digital	digital	ADJ
easat-7654	269	21	financial	financial	ADJ
easat-7654	269	22	literacy	literacy	NOUN
easat-7654	269	23	(	(	PUNCT
easat-7654	269	24	tstatistic	tstatistic	ADJ
easat-7654	269	25	:	:	PUNCT
easat-7654	269	26	3.283	3.283	NUM
easat-7654	269	27	,	,	PUNCT
easat-7654	269	28	p	p	NOUN
easat-7654	269	29	-	-	PUNCT
easat-7654	269	30	value	value	NOUN
easat-7654	269	31	:	:	PUNCT
easat-7654	269	32	0.001	0.001	NUM
easat-7654	269	33	)	)	PUNCT
easat-7654	269	34	.	.	PUNCT
easat-7654	270	1	however	however	ADV
easat-7654	270	2	,	,	PUNCT
easat-7654	270	3	the	the	DET
easat-7654	270	4	perception	perception	NOUN
easat-7654	270	5	of	of	ADP
easat-7654	270	6	the	the	DET
easat-7654	270	7	application	application	NOUN
easat-7654	270	8	's	's	PART
easat-7654	270	9	social	social	ADJ
easat-7654	270	10	relevance	relevance	NOUN
easat-7654	270	11	(	(	PUNCT
easat-7654	270	12	social	social	ADJ
easat-7654	270	13	relevance	relevance	NOUN
easat-7654	270	14	)	)	PUNCT
easat-7654	270	15	does	do	AUX
easat-7654	270	16	not	not	PART
easat-7654	270	17	show	show	VERB
easat-7654	270	18	a	a	DET
easat-7654	270	19	significant	significant	ADJ
easat-7654	270	20	influence	influence	NOUN
easat-7654	270	21	on	on	ADP
easat-7654	270	22	digital	digital	ADJ
easat-7654	270	23	financial	financial	ADJ
easat-7654	270	24	literacy	literacy	NOUN
easat-7654	270	25	in	in	ADP
easat-7654	270	26	this	this	DET
easat-7654	270	27	context	context	NOUN
easat-7654	270	28	(	(	PUNCT
easat-7654	270	29	t	t	NOUN
easat-7654	270	30	-	-	PUNCT
easat-7654	270	31	statistic	statistic	NOUN
easat-7654	270	32	:	:	PUNCT
easat-7654	270	33	1.669	1.669	NUM
easat-7654	270	34	,	,	PUNCT
easat-7654	270	35	p	p	NOUN
easat-7654	270	36	-	-	PUNCT
easat-7654	270	37	value	value	NOUN
easat-7654	270	38	:	:	PUNCT
easat-7654	270	39	0.095	0.095	NUM
easat-7654	270	40	)	)	PUNCT
easat-7654	270	41	.	.	PUNCT
easat-7654	271	1	5	5	X
easat-7654	271	2	.	.	X
easat-7654	271	3	conclusion	conclusion	NOUN
easat-7654	271	4	this	this	DET
easat-7654	271	5	study	study	NOUN
easat-7654	271	6	delved	delve	VERB
easat-7654	271	7	into	into	ADP
easat-7654	271	8	the	the	DET
easat-7654	271	9	factors	factor	NOUN
easat-7654	271	10	shaping	shape	VERB
easat-7654	271	11	university	university	NOUN
easat-7654	271	12	students	student	NOUN
easat-7654	271	13	'	'	PART
easat-7654	271	14	intentions	intention	NOUN
easat-7654	271	15	to	to	PART
easat-7654	271	16	apply	apply	VERB
easat-7654	271	17	for	for	ADP
easat-7654	271	18	online	online	ADJ
easat-7654	271	19	loans	loan	NOUN
easat-7654	271	20	within	within	ADP
easat-7654	271	21	the	the	DET
easat-7654	271	22	dki	dki	PROPN
easat-7654	271	23	jakarta	jakarta	PROPN
easat-7654	271	24	region	region	PROPN
easat-7654	271	25	,	,	PUNCT
easat-7654	271	26	garnering	garner	VERB
easat-7654	271	27	valuable	valuable	ADJ
easat-7654	271	28	insights	insight	NOUN
easat-7654	271	29	from	from	ADP
easat-7654	271	30	414	414	NUM
easat-7654	271	31	respondents	respondent	NOUN
easat-7654	271	32	.	.	PUNCT
easat-7654	272	1	descriptive	descriptive	ADJ
easat-7654	272	2	analysis	analysis	NOUN
easat-7654	272	3	revealed	reveal	VERB
easat-7654	272	4	a	a	DET
easat-7654	272	5	significant	significant	ADJ
easat-7654	272	6	user	user	NOUN
easat-7654	272	7	base	base	NOUN
easat-7654	272	8	among	among	ADP
easat-7654	272	9	male	male	ADJ
easat-7654	272	10	students	student	NOUN
easat-7654	272	11	aged	age	VERB
easat-7654	272	12	20	20	NUM
easat-7654	272	13	to	to	PART
easat-7654	272	14	24	24	NUM
easat-7654	272	15	in	in	ADP
easat-7654	272	16	west	west	PROPN
easat-7654	272	17	jakarta	jakarta	PROPN
easat-7654	272	18	,	,	PUNCT
easat-7654	272	19	suggesting	suggest	VERB
easat-7654	272	20	a	a	DET
easat-7654	272	21	unique	unique	ADJ
easat-7654	272	22	demographic	demographic	ADJ
easat-7654	272	23	profile	profile	NOUN
easat-7654	272	24	warranting	warrant	VERB
easat-7654	272	25	further	further	ADJ
easat-7654	272	26	investigation	investigation	NOUN
easat-7654	272	27	into	into	ADP
easat-7654	272	28	underlying	underlie	VERB
easat-7654	272	29	factors	factor	NOUN
easat-7654	272	30	such	such	ADJ
easat-7654	272	31	as	as	ADP
easat-7654	272	32	risk	risk	NOUN
easat-7654	272	33	perception	perception	NOUN
easat-7654	272	34	and	and	CCONJ
easat-7654	272	35	financial	financial	ADJ
easat-7654	272	36	resource	resource	NOUN
easat-7654	272	37	accessibility	accessibility	NOUN
easat-7654	272	38	.	.	PUNCT
easat-7654	273	1	notably	notably	ADV
easat-7654	273	2	,	,	PUNCT
easat-7654	273	3	akulaku	akulaku	PROPN
easat-7654	273	4	emerged	emerge	VERB
easat-7654	273	5	as	as	ADP
easat-7654	273	6	the	the	DET
easat-7654	273	7	preferred	preferred	ADJ
easat-7654	273	8	online	online	ADJ
easat-7654	273	9	lending	lending	NOUN
easat-7654	273	10	application	application	NOUN
easat-7654	273	11	,	,	PUNCT
easat-7654	273	12	with	with	ADP
easat-7654	273	13	ease	ease	NOUN
easat-7654	273	14	of	of	ADP
easat-7654	273	15	use	use	NOUN
easat-7654	273	16	and	and	CCONJ
easat-7654	273	17	convenience	convenience	NOUN
easat-7654	273	18	cited	cite	VERB
easat-7654	273	19	as	as	ADP
easat-7654	273	20	primary	primary	ADJ
easat-7654	273	21	drivers	driver	NOUN
easat-7654	273	22	.	.	PUNCT
easat-7654	274	1	this	this	PRON
easat-7654	274	2	underscores	underscore	VERB
easat-7654	274	3	the	the	DET
easat-7654	274	4	importance	importance	NOUN
easat-7654	274	5	of	of	ADP
easat-7654	274	6	user	user	NOUN
easat-7654	274	7	-	-	PUNCT
easat-7654	274	8	friendly	friendly	ADJ
easat-7654	274	9	design	design	NOUN
easat-7654	274	10	and	and	CCONJ
easat-7654	274	11	efficient	efficient	ADJ
easat-7654	274	12	processes	process	NOUN
easat-7654	274	13	in	in	ADP
easat-7654	274	14	attracting	attract	VERB
easat-7654	274	15	and	and	CCONJ
easat-7654	274	16	retaining	retain	VERB
easat-7654	274	17	student	student	NOUN
easat-7654	274	18	users	user	NOUN
easat-7654	274	19	.	.	PUNCT
easat-7654	275	1	the	the	DET
easat-7654	275	2	results	result	NOUN
easat-7654	275	3	of	of	ADP
easat-7654	275	4	the	the	DET
easat-7654	275	5	study	study	NOUN
easat-7654	275	6	,	,	PUNCT
easat-7654	275	7	which	which	PRON
easat-7654	275	8	were	be	AUX
easat-7654	275	9	analyzed	analyze	VERB
easat-7654	275	10	using	use	VERB
easat-7654	275	11	smartpls	smartpls	NOUN
easat-7654	275	12	4.0	4.0	NUM
easat-7654	275	13	,	,	PUNCT
easat-7654	275	14	demonstrated	demonstrate	VERB
easat-7654	275	15	how	how	SCONJ
easat-7654	275	16	important	important	ADJ
easat-7654	275	17	habit	habit	NOUN
easat-7654	275	18	development	development	NOUN
easat-7654	275	19	,	,	PUNCT
easat-7654	275	20	enabling	enable	VERB
easat-7654	275	21	circumstances	circumstance	NOUN
easat-7654	275	22	,	,	PUNCT
easat-7654	275	23	perceived	perceive	VERB
easat-7654	275	24	advantages	advantage	NOUN
easat-7654	275	25	,	,	PUNCT
easat-7654	275	26	performance	performance	NOUN
easat-7654	275	27	expectations	expectation	NOUN
easat-7654	275	28	,	,	PUNCT
easat-7654	275	29	security	security	NOUN
easat-7654	275	30	and	and	CCONJ
easat-7654	275	31	privacy	privacy	NOUN
easat-7654	275	32	issues	issue	NOUN
easat-7654	275	33	,	,	PUNCT
easat-7654	275	34	and	and	CCONJ
easat-7654	275	35	digital	digital	ADJ
easat-7654	275	36	financial	financial	ADJ
easat-7654	275	37	literacy	literacy	NOUN
easat-7654	275	38	are	be	AUX
easat-7654	275	39	in	in	ADP
easat-7654	275	40	influencing	influence	VERB
easat-7654	275	41	students	student	NOUN
easat-7654	275	42	'	'	PART
easat-7654	275	43	choices	choice	NOUN
easat-7654	275	44	about	about	ADP
easat-7654	275	45	taking	take	VERB
easat-7654	275	46	out	out	ADP
easat-7654	275	47	online	online	ADJ
easat-7654	275	48	loans	loan	NOUN
easat-7654	275	49	.	.	PUNCT
easat-7654	276	1	it	it	PRON
easat-7654	276	2	's	be	AUX
easat-7654	276	3	interesting	interesting	ADJ
easat-7654	276	4	to	to	PART
easat-7654	276	5	note	note	VERB
easat-7654	276	6	that	that	SCONJ
easat-7654	276	7	security	security	NOUN
easat-7654	276	8	risk	risk	NOUN
easat-7654	276	9	had	have	VERB
easat-7654	276	10	a	a	DET
easat-7654	276	11	less	less	ADV
easat-7654	276	12	substantial	substantial	ADJ
easat-7654	276	13	effect	effect	NOUN
easat-7654	276	14	on	on	ADP
easat-7654	276	15	digital	digital	ADJ
easat-7654	276	16	financial	financial	ADJ
easat-7654	276	17	3146	3146	NUM
easat-7654	276	18	edelweiss	edelweiss	PROPN
easat-7654	276	19	applied	apply	VERB
easat-7654	276	20	science	science	NOUN
easat-7654	276	21	and	and	CCONJ
easat-7654	276	22	technology	technology	NOUN
easat-7654	276	23	issn	issn	PROPN
easat-7654	276	24	:	:	PUNCT
easat-7654	276	25	2576	2576	NUM
easat-7654	276	26	-	-	SYM
easat-7654	276	27	8484	8484	NUM
easat-7654	276	28	vol	vol	NOUN
easat-7654	276	29	.	.	PROPN
easat-7654	277	1	9	9	NUM
easat-7654	277	2	,	,	PUNCT
easat-7654	277	3	no	no	INTJ
easat-7654	277	4	.	.	NOUN
easat-7654	277	5	5	5	NUM
easat-7654	277	6	:	:	SYM
easat-7654	277	7	3134	3134	NUM
easat-7654	277	8	-	-	SYM
easat-7654	277	9	3148	3148	NUM
easat-7654	277	10	,	,	PUNCT
easat-7654	277	11	2025	2025	NUM
easat-7654	277	12	doi	doi	NOUN
easat-7654	277	13	:	:	PUNCT
easat-7654	277	14	10.55214/25768484.v9i5.7654	10.55214/25768484.v9i5.7654	NUM
easat-7654	277	15	©	©	NOUN
easat-7654	277	16	2025	2025	NUM
easat-7654	277	17	by	by	ADP
easat-7654	277	18	the	the	DET
easat-7654	277	19	authors	author	NOUN
easat-7654	277	20	;	;	PUNCT
easat-7654	277	21	licensee	licensee	PROPN
easat-7654	277	22	learning	learn	VERB
easat-7654	277	23	gate	gate	PROPN
easat-7654	277	24	literacy	literacy	NOUN
easat-7654	277	25	,	,	PUNCT
easat-7654	277	26	suggesting	suggest	VERB
easat-7654	277	27	room	room	NOUN
easat-7654	277	28	for	for	ADP
easat-7654	277	29	improvement	improvement	NOUN
easat-7654	277	30	in	in	ADP
easat-7654	277	31	terms	term	NOUN
easat-7654	277	32	of	of	ADP
easat-7654	277	33	fostering	foster	VERB
easat-7654	277	34	user	user	NOUN
easat-7654	277	35	confidence	confidence	NOUN
easat-7654	277	36	in	in	ADP
easat-7654	277	37	online	online	ADJ
easat-7654	277	38	lending	lending	NOUN
easat-7654	277	39	applications	application	NOUN
easat-7654	277	40	'	'	PART
easat-7654	277	41	security	security	NOUN
easat-7654	277	42	features	feature	NOUN
easat-7654	277	43	.	.	PUNCT
easat-7654	278	1	in	in	ADP
easat-7654	278	2	summary	summary	NOUN
easat-7654	278	3	,	,	PUNCT
easat-7654	278	4	this	this	DET
easat-7654	278	5	study	study	NOUN
easat-7654	278	6	offers	offer	VERB
easat-7654	278	7	vital	vital	ADJ
easat-7654	278	8	information	information	NOUN
easat-7654	278	9	to	to	ADP
easat-7654	278	10	scholars	scholar	NOUN
easat-7654	278	11	,	,	PUNCT
easat-7654	278	12	decision	decision	NOUN
easat-7654	278	13	-	-	PUNCT
easat-7654	278	14	makers	maker	NOUN
easat-7654	278	15	,	,	PUNCT
easat-7654	278	16	and	and	CCONJ
easat-7654	278	17	online	online	ADJ
easat-7654	278	18	lending	lending	NOUN
easat-7654	278	19	companies	company	NOUN
easat-7654	278	20	that	that	PRON
easat-7654	278	21	want	want	VERB
easat-7654	278	22	to	to	PART
easat-7654	278	23	encourage	encourage	VERB
easat-7654	278	24	university	university	NOUN
easat-7654	278	25	students	student	NOUN
easat-7654	278	26	to	to	PART
easat-7654	278	27	use	use	VERB
easat-7654	278	28	online	online	ADJ
easat-7654	278	29	loan	loan	NOUN
easat-7654	278	30	services	service	NOUN
easat-7654	278	31	responsibly	responsibly	ADV
easat-7654	278	32	and	and	CCONJ
easat-7654	278	33	sustainably	sustainably	ADV
easat-7654	278	34	.	.	PUNCT
easat-7654	279	1	the	the	DET
easat-7654	279	2	results	result	NOUN
easat-7654	279	3	highlight	highlight	VERB
easat-7654	279	4	how	how	SCONJ
easat-7654	279	5	several	several	ADJ
easat-7654	279	6	elements	element	NOUN
easat-7654	279	7	,	,	PUNCT
easat-7654	279	8	such	such	ADJ
easat-7654	279	9	as	as	ADP
easat-7654	279	10	user	user	NOUN
easat-7654	279	11	experience	experience	NOUN
easat-7654	279	12	and	and	CCONJ
easat-7654	279	13	security	security	NOUN
easat-7654	279	14	trust	trust	NOUN
easat-7654	279	15	,	,	PUNCT
easat-7654	279	16	interact	interact	VERB
easat-7654	279	17	to	to	PART
easat-7654	279	18	influence	influence	VERB
easat-7654	279	19	students	student	NOUN
easat-7654	279	20	'	'	PART
easat-7654	279	21	intents	intent	NOUN
easat-7654	279	22	and	and	CCONJ
easat-7654	279	23	actions	action	NOUN
easat-7654	279	24	in	in	ADP
easat-7654	279	25	this	this	DET
easat-7654	279	26	changing	change	VERB
easat-7654	279	27	financial	financial	ADJ
easat-7654	279	28	environment	environment	NOUN
easat-7654	279	29	.	.	PUNCT
easat-7654	280	1	acknowledgment	acknowledgment	NOUN
easat-7654	280	2	:	:	PUNCT
easat-7654	280	3	the	the	DET
easat-7654	280	4	authors	author	NOUN
easat-7654	280	5	express	express	VERB
easat-7654	280	6	their	their	PRON
easat-7654	280	7	sincere	sincere	ADJ
easat-7654	280	8	gratitude	gratitude	NOUN
easat-7654	280	9	to	to	ADP
easat-7654	280	10	bina	bina	PROPN
easat-7654	280	11	nusantara	nusantara	PROPN
easat-7654	280	12	university	university	PROPN
easat-7654	280	13	for	for	ADP
easat-7654	280	14	its	its	PRON
easat-7654	280	15	financial	financial	ADJ
easat-7654	280	16	assistance	assistance	NOUN
easat-7654	280	17	,	,	PUNCT
easat-7654	280	18	which	which	PRON
easat-7654	280	19	made	make	VERB
easat-7654	280	20	it	it	PRON
easat-7654	280	21	possible	possible	ADJ
easat-7654	280	22	for	for	SCONJ
easat-7654	280	23	this	this	DET
easat-7654	280	24	study	study	NOUN
easat-7654	280	25	to	to	PART
easat-7654	280	26	be	be	AUX
easat-7654	280	27	published	publish	VERB
easat-7654	280	28	.	.	PUNCT
easat-7654	281	1	students	student	NOUN
easat-7654	281	2	living	live	VERB
easat-7654	281	3	at	at	ADP
easat-7654	281	4	dki	dki	PROPN
easat-7654	281	5	jakarta	jakarta	PROPN
easat-7654	281	6	served	serve	VERB
easat-7654	281	7	as	as	ADP
easat-7654	281	8	the	the	DET
easat-7654	281	9	human	human	ADJ
easat-7654	281	10	subjects	subject	NOUN
easat-7654	281	11	for	for	ADP
easat-7654	281	12	this	this	DET
easat-7654	281	13	study	study	NOUN
easat-7654	281	14	,	,	PUNCT
easat-7654	281	15	which	which	PRON
easat-7654	281	16	was	be	AUX
easat-7654	281	17	carried	carry	VERB
easat-7654	281	18	out	out	ADP
easat-7654	281	19	strictly	strictly	ADV
easat-7654	281	20	in	in	ADP
easat-7654	281	21	accordance	accordance	NOUN
easat-7654	281	22	with	with	ADP
easat-7654	281	23	ethical	ethical	ADJ
easat-7654	281	24	guidelines	guideline	NOUN
easat-7654	281	25	.	.	PUNCT
easat-7654	282	1	conceptualization	conceptualization	NOUN
easat-7654	282	2	,	,	PUNCT
easat-7654	282	3	y.k	y.k	PROPN
easat-7654	282	4	.	.	PROPN
easat-7654	282	5	(	(	PUNCT
easat-7654	282	6	yohannes	yohanne	NOUN
easat-7654	282	7	kurniawan	kurniawan	PROPN
easat-7654	282	8	)	)	PUNCT
easat-7654	282	9	;	;	PUNCT
easat-7654	282	10	methodology	methodology	NOUN
easat-7654	282	11	,	,	PUNCT
easat-7654	282	12	y.k	y.k	PROPN
easat-7654	282	13	.	.	PROPN
easat-7654	282	14	and	and	CCONJ
easat-7654	282	15	f.z.z.a	f.z.z.a	PROPN
easat-7654	282	16	.	.	PUNCT
easat-7654	282	17	(	(	PUNCT
easat-7654	282	18	fauzan	fauzan	NOUN
easat-7654	282	19	zulfa	zulfa	NOUN
easat-7654	282	20	zian	zian	PROPN
easat-7654	282	21	azima	azima	PROPN
easat-7654	282	22	)	)	PUNCT
easat-7654	282	23	;	;	PUNCT
easat-7654	282	24	software	software	NOUN
easat-7654	282	25	,	,	PUNCT
easat-7654	282	26	f.z.z.a	f.z.z.a	PROPN
easat-7654	282	27	.	.	PROPN
easat-7654	282	28	;	;	PUNCT
easat-7654	282	29	validation	validation	NOUN
easat-7654	282	30	,	,	PUNCT
easat-7654	282	31	f.z.z.a	f.z.z.a	PROPN
easat-7654	282	32	.	.	PROPN
easat-7654	282	33	;	;	PUNCT
easat-7654	282	34	formal	formal	ADJ
easat-7654	282	35	analysis	analysis	NOUN
easat-7654	282	36	,	,	PUNCT
easat-7654	282	37	f.z.z.a	f.z.z.a	PROPN
easat-7654	282	38	.	.	PROPN
easat-7654	282	39	;	;	PUNCT
easat-7654	282	40	investigation	investigation	NOUN
easat-7654	282	41	,	,	PUNCT
easat-7654	282	42	y.k	y.k	PROPN
easat-7654	282	43	.	.	PROPN
easat-7654	282	44	and	and	CCONJ
easat-7654	282	45	f.z.z.a	f.z.z.a	PROPN
easat-7654	282	46	.	.	PROPN
easat-7654	282	47	;	;	PUNCT
easat-7654	282	48	resources	resource	NOUN
easat-7654	282	49	,	,	PUNCT
easat-7654	282	50	f.z.z.a	f.z.z.a	PROPN
easat-7654	282	51	.	.	PUNCT
easat-7654	283	1	(	(	PUNCT
easat-7654	283	2	fauzan	fauzan	NOUN
easat-7654	283	3	zulfa	zulfa	NOUN
easat-7654	283	4	zian	zian	PROPN
easat-7654	283	5	azima	azima	PROPN
easat-7654	283	6	)	)	PUNCT
easat-7654	283	7	;	;	PUNCT
easat-7654	283	8	data	datum	NOUN
easat-7654	283	9	curation	curation	NOUN
easat-7654	283	10	,	,	PUNCT
easat-7654	283	11	y.k	y.k	PROPN
easat-7654	283	12	.	.	PROPN
easat-7654	283	13	;	;	PUNCT
easat-7654	283	14	writing	writing	NOUN
easat-7654	283	15	—	—	PUNCT
easat-7654	283	16	original	original	ADJ
easat-7654	283	17	draft	draft	NOUN
easat-7654	283	18	preparation	preparation	NOUN
easat-7654	283	19	,	,	PUNCT
easat-7654	283	20	f.z.z.a	f.z.z.a	PROPN
easat-7654	283	21	.	.	PROPN
easat-7654	283	22	;	;	PUNCT
easat-7654	283	23	writing	writing	NOUN
easat-7654	283	24	—	—	PUNCT
easat-7654	283	25	review	review	NOUN
easat-7654	283	26	and	and	CCONJ
easat-7654	283	27	editing	editing	NOUN
easat-7654	283	28	,	,	PUNCT
easat-7654	283	29	y.k	y.k	PROPN
easat-7654	283	30	.	.	PROPN
easat-7654	283	31	;	;	PUNCT
easat-7654	283	32	visualization	visualization	NOUN
easat-7654	283	33	,	,	PUNCT
easat-7654	283	34	f.z.z.a	f.z.z.a	PROPN
easat-7654	283	35	.	.	PROPN
easat-7654	283	36	;	;	PUNCT
easat-7654	283	37	supervision	supervision	NOUN
easat-7654	283	38	,	,	PUNCT
easat-7654	283	39	y.k	y.k	PROPN
easat-7654	283	40	.	.	PROPN
easat-7654	283	41	;	;	PUNCT
easat-7654	283	42	project	project	NOUN
easat-7654	283	43	administration	administration	NOUN
easat-7654	283	44	,	,	PUNCT
easat-7654	283	45	y.k	y.k	PROPN
easat-7654	283	46	.	.	PROPN
easat-7654	283	47	;	;	PUNCT
easat-7654	283	48	funding	funding	NOUN
easat-7654	283	49	acquisition	acquisition	NOUN
easat-7654	283	50	,	,	PUNCT
easat-7654	283	51	f.z.z.a	f.z.z.a	PROPN
easat-7654	283	52	..	..	PUNCT
easat-7654	283	53	all	all	DET
easat-7654	283	54	authors	author	NOUN
easat-7654	283	55	have	have	AUX
easat-7654	283	56	read	read	VERB
easat-7654	283	57	and	and	CCONJ
easat-7654	283	58	agreed	agree	VERB
easat-7654	283	59	to	to	ADP
easat-7654	283	60	the	the	DET
easat-7654	283	61	published	publish	VERB
easat-7654	283	62	version	version	NOUN
easat-7654	283	63	of	of	ADP
easat-7654	283	64	the	the	DET
easat-7654	283	65	manuscript	manuscript	NOUN
easat-7654	283	66	.	.	PUNCT
easat-7654	284	1	references	reference	NOUN
easat-7654	284	2	[	[	X
easat-7654	284	3	1	1	NUM
easat-7654	284	4	]	]	PUNCT
easat-7654	284	5	g.	g.	PROPN
easat-7654	284	6	kou	kou	PROPN
easat-7654	284	7	,	,	PUNCT
easat-7654	284	8	ö.	ö.	PROPN
easat-7654	284	9	olgu	olgu	PROPN
easat-7654	284	10	akdeniz	akdeniz	PROPN
easat-7654	284	11	,	,	PUNCT
easat-7654	284	12	h.	h.	PROPN
easat-7654	284	13	dinçer	dinçer	PROPN
easat-7654	284	14	,	,	PUNCT
easat-7654	284	15	and	and	CCONJ
easat-7654	284	16	s.	s.	PROPN
easat-7654	284	17	yüksel	yüksel	PROPN
easat-7654	284	18	,	,	PUNCT
easat-7654	284	19	"	"	PUNCT
easat-7654	284	20	fintech	fintech	NOUN
easat-7654	284	21	investments	investment	NOUN
easat-7654	284	22	in	in	ADP
easat-7654	284	23	european	european	ADJ
easat-7654	284	24	banks	bank	NOUN
easat-7654	284	25	:	:	PUNCT
easat-7654	284	26	a	a	DET
easat-7654	284	27	hybrid	hybrid	ADJ
easat-7654	284	28	it2	it2	NOUN
easat-7654	284	29	fuzzy	fuzzy	ADJ
easat-7654	284	30	multidimensional	multidimensional	ADJ
easat-7654	284	31	decision	decision	NOUN
easat-7654	284	32	-	-	PUNCT
easat-7654	284	33	making	make	VERB
easat-7654	284	34	approach	approach	NOUN
easat-7654	284	35	,	,	PUNCT
easat-7654	284	36	"	"	PUNCT
easat-7654	284	37	financial	financial	ADJ
easat-7654	284	38	innovation	innovation	NOUN
easat-7654	284	39	,	,	PUNCT
easat-7654	284	40	vol	vol	NOUN
easat-7654	284	41	.	.	PROPN
easat-7654	284	42	7	7	NUM
easat-7654	284	43	,	,	PUNCT
easat-7654	284	44	no	no	INTJ
easat-7654	284	45	.	.	NOUN
easat-7654	284	46	1	1	NUM
easat-7654	284	47	,	,	PUNCT
easat-7654	284	48	p.	p.	NOUN
easat-7654	284	49	39	39	NUM
easat-7654	284	50	,	,	PUNCT
easat-7654	284	51	2021	2021	NUM
easat-7654	284	52	.	.	PUNCT
easat-7654	285	1	https://doi.org/10.1186/s40854-021-00256-y	https://doi.org/10.1186/s40854-021-00256-y	NOUN
easat-7654	286	1	[	[	X
easat-7654	286	2	2	2	X
easat-7654	286	3	]	]	X
easat-7654	286	4	d.	d.	PROPN
easat-7654	286	5	belanche	belanche	PROPN
easat-7654	286	6	,	,	PUNCT
easat-7654	286	7	m.	m.	NOUN
easat-7654	286	8	guinalíu	guinalíu	PROPN
easat-7654	286	9	,	,	PUNCT
easat-7654	286	10	and	and	CCONJ
easat-7654	286	11	p.	p.	PROPN
easat-7654	286	12	albás	albás	NOUN
easat-7654	286	13	,	,	PUNCT
easat-7654	286	14	"	"	PUNCT
easat-7654	286	15	customer	customer	NOUN
easat-7654	286	16	adoption	adoption	NOUN
easat-7654	286	17	of	of	ADP
easat-7654	286	18	p2p	p2p	NOUN
easat-7654	286	19	mobile	mobile	ADJ
easat-7654	286	20	payment	payment	NOUN
easat-7654	286	21	systems	system	NOUN
easat-7654	286	22	:	:	PUNCT
easat-7654	286	23	the	the	DET
easat-7654	286	24	role	role	NOUN
easat-7654	286	25	of	of	ADP
easat-7654	286	26	perceived	perceive	VERB
easat-7654	286	27	risk	risk	NOUN
easat-7654	286	28	,	,	PUNCT
easat-7654	286	29	"	"	PUNCT
easat-7654	286	30	telematics	telematic	NOUN
easat-7654	286	31	and	and	CCONJ
easat-7654	286	32	informatics	informatic	NOUN
easat-7654	286	33	,	,	PUNCT
easat-7654	286	34	vol	vol	NOUN
easat-7654	286	35	.	.	PROPN
easat-7654	286	36	72	72	NUM
easat-7654	286	37	,	,	PUNCT
easat-7654	286	38	p.	p.	NOUN
easat-7654	286	39	101851	101851	NUM
easat-7654	286	40	,	,	PUNCT
easat-7654	286	41	2022	2022	NUM
easat-7654	286	42	.	.	PUNCT
easat-7654	287	1	https://doi.org/10.1016/j.tele.2022.101851	https://doi.org/10.1016/j.tele.2022.101851	VERB
easat-7654	287	2	[	[	X
easat-7654	287	3	3	3	X
easat-7654	287	4	]	]	X
easat-7654	287	5	n.	n.	PROPN
easat-7654	287	6	evelyn	evelyn	PROPN
easat-7654	287	7	and	and	CCONJ
easat-7654	287	8	s.	s.	PROPN
easat-7654	287	9	l.	l.	PROPN
easat-7654	287	10	pan	pan	PROPN
easat-7654	287	11	,	,	PUNCT
easat-7654	287	12	"	"	PUNCT
easat-7654	287	13	competitive	competitive	ADJ
easat-7654	287	14	strategies	strategy	NOUN
easat-7654	287	15	for	for	ADP
easat-7654	287	16	ensuring	ensure	VERB
easat-7654	287	17	fintech	fintech	NOUN
easat-7654	287	18	platform	platform	NOUN
easat-7654	287	19	performance	performance	NOUN
easat-7654	287	20	:	:	PUNCT
easat-7654	287	21	evidence	evidence	NOUN
easat-7654	287	22	from	from	ADP
easat-7654	287	23	multiple	multiple	ADJ
easat-7654	287	24	case	case	NOUN
easat-7654	287	25	studies	study	NOUN
easat-7654	287	26	,	,	PUNCT
easat-7654	287	27	"	"	PUNCT
easat-7654	287	28	information	information	NOUN
easat-7654	287	29	systems	system	NOUN
easat-7654	287	30	journal	journal	NOUN
easat-7654	287	31	,	,	PUNCT
easat-7654	287	32	vol	vol	NOUN
easat-7654	287	33	.	.	PROPN
easat-7654	288	1	34	34	NUM
easat-7654	288	2	,	,	PUNCT
easat-7654	288	3	no	no	INTJ
easat-7654	288	4	.	.	NOUN
easat-7654	288	5	3	3	NUM
easat-7654	288	6	,	,	PUNCT
easat-7654	288	7	pp	pp	ADJ
easat-7654	288	8	.	.	PUNCT
easat-7654	289	1	616	616	NUM
easat-7654	289	2	-	-	SYM
easat-7654	289	3	641	641	NUM
easat-7654	289	4	,	,	PUNCT
easat-7654	289	5	2024	2024	NUM
easat-7654	289	6	.	.	PUNCT
easat-7654	290	1	https://doi.org/10.1111/isj.12406	https://doi.org/10.1111/isj.12406	ADJ
easat-7654	290	2	[	[	PUNCT
easat-7654	290	3	4	4	NUM
easat-7654	290	4	]	]	X
easat-7654	290	5	populix	populix	NOUN
easat-7654	290	6	,	,	PUNCT
easat-7654	290	7	"	"	PUNCT
easat-7654	290	8	unveiling	unveil	VERB
easat-7654	290	9	indonesia	indonesia	PROPN
easat-7654	290	10	’s	’s	PART
easat-7654	290	11	financial	financial	ADJ
easat-7654	290	12	evolution	evolution	NOUN
easat-7654	290	13	:	:	PUNCT
easat-7654	290	14	fintech	fintech	NOUN
easat-7654	290	15	lending	lending	NOUN
easat-7654	290	16	and	and	CCONJ
easat-7654	290	17	paylater	paylater	NOUN
easat-7654	290	18	adoption	adoption	NOUN
easat-7654	290	19	,	,	PUNCT
easat-7654	290	20	"	"	PUNCT
easat-7654	290	21	retrieved	retrieve	VERB
easat-7654	290	22	:	:	PUNCT
easat-7654	290	23	https://info.populix.co/articles/en/report/fintech-lending-and-paylater-2/	https://info.populix.co/articles/en/report/fintech-lending-and-paylater-2/	PROPN
easat-7654	290	24	,	,	PUNCT
easat-7654	290	25	2023	2023	NUM
easat-7654	290	26	.	.	PUNCT
easat-7654	291	1	[	[	X
easat-7654	291	2	5	5	NUM
easat-7654	291	3	]	]	PUNCT
easat-7654	291	4	anak	anak	PROPN
easat-7654	291	5	muda	muda	PROPN
easat-7654	291	6	banyak	banyak	PROPN
easat-7654	291	7	terjebak	terjebak	PROPN
easat-7654	291	8	pinjaman	pinjaman	PROPN
easat-7654	291	9	online	online	ADV
easat-7654	291	10	,	,	PUNCT
easat-7654	291	11	"	"	PUNCT
easat-7654	291	12	many	many	ADJ
easat-7654	291	13	young	young	ADJ
easat-7654	291	14	people	people	NOUN
easat-7654	291	15	get	get	AUX
easat-7654	291	16	trapped	trap	VERB
easat-7654	291	17	in	in	ADP
easat-7654	291	18	online	online	ADJ
easat-7654	291	19	loans	loan	NOUN
easat-7654	291	20	,	,	PUNCT
easat-7654	291	21	"	"	PUNCT
easat-7654	291	22	retrieved	retrieve	VERB
easat-7654	291	23	:	:	PUNCT
easat-7654	291	24	https://indonesiabaik.id/infografis/anak-muda-banyak-terjebak-pinjaman-online	https://indonesiabaik.id/infografis/anak-muda-banyak-terjebak-pinjaman-online	PROPN
easat-7654	291	25	.	.	PUNCT
easat-7654	292	1	[	[	X
easat-7654	292	2	accessed	access	VERB
easat-7654	292	3	2023	2023	NUM
easat-7654	292	4	.	.	PUNCT
easat-7654	293	1	[	[	X
easat-7654	293	2	6	6	NUM
easat-7654	293	3	]	]	PUNCT
easat-7654	293	4	a.	a.	NOUN
easat-7654	293	5	admiral	admiral	NOUN
easat-7654	293	6	and	and	CCONJ
easat-7654	293	7	m.	m.	NOUN
easat-7654	293	8	a.	a.	NOUN
easat-7654	293	9	pauck	pauck	PROPN
easat-7654	293	10	,	,	PUNCT
easat-7654	293	11	"	"	PUNCT
easat-7654	293	12	unveiling	unveil	VERB
easat-7654	293	13	the	the	DET
easat-7654	293	14	dark	dark	ADJ
easat-7654	293	15	side	side	NOUN
easat-7654	293	16	of	of	ADP
easat-7654	293	17	fintech	fintech	NOUN
easat-7654	293	18	:	:	PUNCT
easat-7654	293	19	challenges	challenge	NOUN
easat-7654	293	20	and	and	CCONJ
easat-7654	293	21	breaches	breach	NOUN
easat-7654	293	22	in	in	ADP
easat-7654	293	23	protecting	protect	VERB
easat-7654	293	24	user	user	NOUN
easat-7654	293	25	data	datum	NOUN
easat-7654	293	26	in	in	ADP
easat-7654	293	27	indonesia	indonesia	PROPN
easat-7654	293	28	’s	’s	PART
easat-7654	293	29	online	online	PROPN
easat-7654	293	30	loan	loan	NOUN
easat-7654	293	31	services	service	NOUN
easat-7654	293	32	,	,	PUNCT
easat-7654	293	33	"	"	PUNCT
easat-7654	293	34	lex	lex	PROPN
easat-7654	293	35	scientia	scientia	PROPN
easat-7654	293	36	law	law	PROPN
easat-7654	293	37	review	review	PROPN
easat-7654	293	38	,	,	PUNCT
easat-7654	293	39	vol	vol	NOUN
easat-7654	293	40	.	.	PROPN
easat-7654	293	41	7	7	NUM
easat-7654	293	42	,	,	PUNCT
easat-7654	293	43	no	no	INTJ
easat-7654	293	44	.	.	NOUN
easat-7654	293	45	2	2	NUM
easat-7654	293	46	,	,	PUNCT
easat-7654	293	47	pp	pp	ADJ
easat-7654	293	48	.	.	PUNCT
easat-7654	293	49	995	995	NUM
easat-7654	293	50	-	-	SYM
easat-7654	293	51	1048	1048	NUM
easat-7654	293	52	,	,	PUNCT
easat-7654	293	53	2023	2023	NUM
easat-7654	293	54	.	.	PUNCT
easat-7654	294	1	https://doi.org/10.15294/lesrev.v7i2.77881	https://doi.org/10.15294/lesrev.v7i2.77881	PRON
easat-7654	294	2	[	[	X
easat-7654	294	3	7	7	X
easat-7654	294	4	]	]	PUNCT
easat-7654	294	5	s.	s.	PROPN
easat-7654	294	6	a.	a.	PROPN
easat-7654	294	7	isaputra	isaputra	PROPN
easat-7654	294	8	,	,	PUNCT
easat-7654	294	9	"	"	PUNCT
easat-7654	294	10	p2p	p2p	NOUN
easat-7654	294	11	lending	lending	NOUN
easat-7654	294	12	:	:	PUNCT
easat-7654	294	13	moderation	moderation	NOUN
easat-7654	294	14	of	of	ADP
easat-7654	294	15	desirability	desirability	NOUN
easat-7654	294	16	of	of	ADP
easat-7654	294	17	control	control	NOUN
easat-7654	294	18	on	on	ADP
easat-7654	294	19	risk	risk	NOUN
easat-7654	294	20	-	-	PUNCT
easat-7654	294	21	taking	take	VERB
easat-7654	294	22	decisions	decision	NOUN
easat-7654	294	23	of	of	ADP
easat-7654	294	24	indonesian	indonesian	ADJ
easat-7654	294	25	borrowers	borrower	NOUN
easat-7654	294	26	,	,	PUNCT
easat-7654	294	27	"	"	PUNCT
easat-7654	294	28	humanities	humanity	NOUN
easat-7654	294	29	and	and	CCONJ
easat-7654	294	30	social	social	ADJ
easat-7654	294	31	sciences	science	NOUN
easat-7654	294	32	communications	communication	NOUN
easat-7654	294	33	,	,	PUNCT
easat-7654	294	34	vol	vol	NOUN
easat-7654	294	35	.	.	PROPN
easat-7654	294	36	10	10	NUM
easat-7654	294	37	,	,	PUNCT
easat-7654	294	38	no	no	INTJ
easat-7654	294	39	.	.	NOUN
easat-7654	294	40	1	1	NUM
easat-7654	294	41	,	,	PUNCT
easat-7654	294	42	pp	pp	ADJ
easat-7654	294	43	.	.	PUNCT
easat-7654	295	1	1	1	NUM
easat-7654	295	2	-	-	SYM
easat-7654	295	3	7	7	NUM
easat-7654	295	4	,	,	PUNCT
easat-7654	295	5	2023	2023	NUM
easat-7654	295	6	.	.	PUNCT
easat-7654	296	1	[	[	X
easat-7654	296	2	8	8	NUM
easat-7654	296	3	]	]	X
easat-7654	296	4	i.	i.	NOUN
easat-7654	296	5	imanuddin	imanuddin	PROPN
easat-7654	296	6	and	and	CCONJ
easat-7654	296	7	r.	r.	PROPN
easat-7654	296	8	d.	d.	PROPN
easat-7654	296	9	anggraeni	anggraeni	PROPN
easat-7654	296	10	,	,	PUNCT
easat-7654	296	11	"	"	PUNCT
easat-7654	296	12	construction	construction	NOUN
easat-7654	296	13	of	of	ADP
easat-7654	296	14	consumer	consumer	NOUN
easat-7654	296	15	protection	protection	NOUN
easat-7654	296	16	against	against	ADP
easat-7654	296	17	illegal	illegal	ADJ
easat-7654	296	18	online	online	ADJ
easat-7654	296	19	loan	loan	NOUN
easat-7654	296	20	transactions	transaction	NOUN
easat-7654	296	21	as	as	ADP
easat-7654	296	22	a	a	DET
easat-7654	296	23	means	means	NOUN
easat-7654	296	24	of	of	ADP
easat-7654	296	25	ius	ius	PROPN
easat-7654	296	26	constituendum	constituendum	PROPN
easat-7654	296	27	in	in	ADP
easat-7654	296	28	indonesia	indonesia	PROPN
easat-7654	296	29	,	,	PUNCT
easat-7654	296	30	"	"	PUNCT
easat-7654	296	31	jurnal	jurnal	ADJ
easat-7654	296	32	ius	ius	PROPN
easat-7654	296	33	kajian	kajian	PROPN
easat-7654	296	34	hukum	hukum	PROPN
easat-7654	296	35	dan	dan	PROPN
easat-7654	296	36	keadilan	keadilan	PROPN
easat-7654	296	37	,	,	PUNCT
easat-7654	296	38	vol	vol	NOUN
easat-7654	296	39	.	.	PROPN
easat-7654	296	40	11	11	NUM
easat-7654	296	41	,	,	PUNCT
easat-7654	296	42	no	no	INTJ
easat-7654	296	43	.	.	NOUN
easat-7654	296	44	3	3	NUM
easat-7654	296	45	,	,	PUNCT
easat-7654	296	46	pp	pp	ADJ
easat-7654	296	47	.	.	PUNCT
easat-7654	297	1	539	539	NUM
easat-7654	297	2	-	-	SYM
easat-7654	297	3	556	556	NUM
easat-7654	297	4	,	,	PUNCT
easat-7654	297	5	2023	2023	NUM
easat-7654	297	6	.	.	PUNCT
easat-7654	298	1	https://doi.org/10.29303/ius.v11i3.1312	https://doi.org/10.29303/ius.v11i3.1312	PROPN
easat-7654	298	2	[	[	X
easat-7654	298	3	9	9	NUM
easat-7654	298	4	]	]	SYM
easat-7654	298	5	pinjol	pinjol	NOUN
easat-7654	298	6	,	,	PUNCT
easat-7654	298	7	"	"	PUNCT
easat-7654	298	8	pinjol	pinjol	NOUN
easat-7654	298	9	:	:	PUNCT
easat-7654	298	10	revealing	reveal	VERB
easat-7654	298	11	how	how	SCONJ
easat-7654	298	12	the	the	DET
easat-7654	298	13	loan	loan	NOUN
easat-7654	298	14	application	application	NOUN
easat-7654	298	15	works	work	VERB
easat-7654	298	16	that	that	PRON
easat-7654	298	17	blackmails	blackmail	VERB
easat-7654	298	18	customers	customer	NOUN
easat-7654	298	19	with	with	ADP
easat-7654	298	20	nude	nude	ADJ
easat-7654	298	21	photos	photo	NOUN
easat-7654	298	22	.	.	PUNCT
easat-7654	299	1	bbc	bbc	PROPN
easat-7654	299	2	indonesia	indonesia	PROPN
easat-7654	299	3	,	,	PUNCT
easat-7654	299	4	"	"	PUNCT
easat-7654	299	5	retrieved	retrieve	VERB
easat-7654	299	6	:	:	PUNCT
easat-7654	299	7	https://www.bbc.com/indonesia/dunia-67074677	https://www.bbc.com/indonesia/dunia-67074677	PROPN
easat-7654	299	8	,	,	PUNCT
easat-7654	299	9	2023	2023	NUM
easat-7654	299	10	.	.	PUNCT
easat-7654	300	1	[	[	X
easat-7654	300	2	10	10	NUM
easat-7654	300	3	]	]	PUNCT
easat-7654	300	4	j.	j.	PROPN
easat-7654	300	5	k.	k.	PROPN
easat-7654	300	6	otoritas	otoritas	PROPN
easat-7654	300	7	,	,	PUNCT
easat-7654	300	8	"	"	PUNCT
easat-7654	300	9	statistik	statistik	PROPN
easat-7654	300	10	fintech	fintech	NOUN
easat-7654	300	11	lending	lending	NOUN
easat-7654	300	12	periode	periode	PROPN
easat-7654	300	13	maret	maret	PROPN
easat-7654	300	14	,	,	PUNCT
easat-7654	300	15	"	"	PUNCT
easat-7654	300	16	retrieved	retrieve	VERB
easat-7654	300	17	:	:	PUNCT
easat-7654	300	18	https://ojk.go.id/id/kanal/iknb/data-danstatistik/fintech/default.aspx	https://ojk.go.id/id/kanal/iknb/data-danstatistik/fintech/default.aspx	NOUN
easat-7654	301	1	[	[	X
easat-7654	301	2	accessed	access	VERB
easat-7654	301	3	2024	2024	NUM
easat-7654	301	4	.	.	PUNCT
easat-7654	302	1	[	[	X
easat-7654	302	2	11	11	NUM
easat-7654	302	3	]	]	PUNCT
easat-7654	302	4	peraturan	peraturan	NOUN
easat-7654	302	5	otoritas	otoritas	PROPN
easat-7654	302	6	jasa	jasa	PROPN
easat-7654	302	7	keuangan	keuangan	PROPN
easat-7654	302	8	,	,	PUNCT
easat-7654	302	9	"	"	PUNCT
easat-7654	302	10	financial	financial	ADJ
easat-7654	302	11	services	service	NOUN
easat-7654	302	12	authority	authority	NOUN
easat-7654	302	13	regulations	regulation	NOUN
easat-7654	302	14	,	,	PUNCT
easat-7654	302	15	"	"	PUNCT
easat-7654	302	16	retrieved	retrieve	VERB
easat-7654	302	17	:	:	PUNCT
easat-7654	302	18	https://www.ojk.go.id/id/regulasi/otoritas-jasa-keuangan/peraturan-ojk/documents/pages/pojk-nomor-77pojk.01-2016/sal%20%20pojk%20fintech.pdf	https://www.ojk.go.id/id/regulasi/otoritas-jasa-keuangan/peraturan-ojk/documents/pages/pojk-nomor-77pojk.01-2016/sal%20%20pojk%20fintech.pdf	PROPN
easat-7654	302	19	,	,	PUNCT
easat-7654	302	20	2016	2016	NUM
easat-7654	302	21	.	.	PUNCT
easat-7654	303	1	[	[	X
easat-7654	303	2	12	12	NUM
easat-7654	303	3	]	]	PUNCT
easat-7654	303	4	m.	m.	NOUN
easat-7654	303	5	marhadi	marhadi	PROPN
easat-7654	303	6	et	et	PROPN
easat-7654	303	7	al	al	PROPN
easat-7654	303	8	.	.	PROPN
easat-7654	303	9	,	,	PUNCT
easat-7654	303	10	"	"	PUNCT
easat-7654	303	11	continuance	continuance	NOUN
easat-7654	303	12	intention	intention	NOUN
easat-7654	303	13	of	of	ADP
easat-7654	303	14	fintech	fintech	NOUN
easat-7654	303	15	peer	peer	NOUN
easat-7654	303	16	-	-	PUNCT
easat-7654	303	17	to	to	ADP
easat-7654	303	18	-	-	PUNCT
easat-7654	303	19	peer	peer	NOUN
easat-7654	303	20	(	(	PUNCT
easat-7654	303	21	p2p	p2p	NOUN
easat-7654	303	22	)	)	PUNCT
easat-7654	303	23	financing	financing	NOUN
easat-7654	303	24	shariah	shariah	PROPN
easat-7654	303	25	:	:	PUNCT
easat-7654	303	26	moderation	moderation	NOUN
easat-7654	303	27	role	role	NOUN
easat-7654	303	28	of	of	ADP
easat-7654	303	29	brand	brand	NOUN
easat-7654	303	30	schematicity	schematicity	NOUN
easat-7654	303	31	and	and	CCONJ
easat-7654	303	32	digital	digital	ADJ
easat-7654	303	33	financial	financial	ADJ
easat-7654	303	34	literacy	literacy	NOUN
easat-7654	303	35	,	,	PUNCT
easat-7654	303	36	"	"	PUNCT
easat-7654	303	37	journal	journal	NOUN
easat-7654	303	38	of	of	ADP
easat-7654	303	39	open	open	ADJ
easat-7654	303	40	innovation	innovation	NOUN
easat-7654	303	41	:	:	PUNCT
easat-7654	303	42	technology	technology	NOUN
easat-7654	303	43	,	,	PUNCT
easat-7654	303	44	market	market	NOUN
easat-7654	303	45	,	,	PUNCT
easat-7654	303	46	and	and	CCONJ
easat-7654	303	47	complexity	complexity	NOUN
easat-7654	303	48	,	,	PUNCT
easat-7654	303	49	vol	vol	NOUN
easat-7654	303	50	.	.	PROPN
easat-7654	303	51	10	10	NUM
easat-7654	303	52	,	,	PUNCT
easat-7654	303	53	no	no	INTJ
easat-7654	303	54	.	.	NOUN
easat-7654	303	55	2	2	NUM
easat-7654	303	56	,	,	PUNCT
easat-7654	303	57	p.	p.	NOUN
easat-7654	303	58	100301	100301	NUM
easat-7654	303	59	,	,	PUNCT
easat-7654	303	60	2024	2024	NUM
easat-7654	303	61	.	.	PUNCT
easat-7654	304	1	https://doi.org/10.1016/j.joitmc.2024.100301	https://doi.org/10.1016/j.joitmc.2024.100301	PROPN
easat-7654	304	2	[	[	X
easat-7654	304	3	13	13	NUM
easat-7654	304	4	]	]	PUNCT
easat-7654	304	5	i.	i.	NOUN
easat-7654	304	6	m.	m.	PROPN
easat-7654	304	7	alghifari	alghifari	PROPN
easat-7654	304	8	et	et	PROPN
easat-7654	304	9	al	al	PROPN
easat-7654	304	10	.	.	PROPN
easat-7654	304	11	,	,	PUNCT
easat-7654	304	12	"	"	PUNCT
easat-7654	304	13	factors	factor	NOUN
easat-7654	304	14	influencing	influence	VERB
easat-7654	304	15	fintech	fintech	NOUN
easat-7654	304	16	adoption	adoption	NOUN
easat-7654	304	17	for	for	ADP
easat-7654	304	18	women	woman	NOUN
easat-7654	304	19	in	in	ADP
easat-7654	304	20	the	the	DET
easat-7654	304	21	post	post	ADJ
easat-7654	304	22	-	-	ADJ
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easat-7654	304	24	pandemic	pandemic	ADJ
easat-7654	304	25	,	,	PUNCT
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easat-7654	304	32	technology	technology	NOUN
easat-7654	304	33	,	,	PUNCT
easat-7654	304	34	market	market	NOUN
easat-7654	304	35	,	,	PUNCT
easat-7654	304	36	and	and	CCONJ
easat-7654	304	37	complexity	complexity	NOUN
easat-7654	304	38	,	,	PUNCT
easat-7654	304	39	vol	vol	NOUN
easat-7654	304	40	.	.	PROPN
easat-7654	304	41	10	10	NUM
easat-7654	304	42	,	,	PUNCT
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easat-7654	304	45	1	1	NUM
easat-7654	304	46	,	,	PUNCT
easat-7654	304	47	p.	p.	NOUN
easat-7654	304	48	100236	100236	NUM
easat-7654	304	49	,	,	PUNCT
easat-7654	304	50	2024	2024	NUM
easat-7654	304	51	.	.	PUNCT
easat-7654	305	1	https://doi.org/10.1016/j.joitmc.2024.100236	https://doi.org/10.1016/j.joitmc.2024.100236	PROPN
easat-7654	305	2	.	.	PUNCT
easat-7654	306	1	[	[	X
easat-7654	306	2	14	14	NUM
easat-7654	306	3	]	]	PUNCT
easat-7654	306	4	afpi	afpi	ADV
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easat-7654	306	7	afpi	afpi	PROPN
easat-7654	306	8	says	say	VERB
easat-7654	306	9	young	young	ADJ
easat-7654	306	10	people	people	NOUN
easat-7654	306	11	are	be	AUX
easat-7654	306	12	the	the	DET
easat-7654	306	13	majority	majority	NOUN
easat-7654	306	14	of	of	ADP
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easat-7654	306	17	online	online	ADJ
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easat-7654	306	21	"	"	PUNCT
easat-7654	306	22	retrieved	retrieve	VERB
easat-7654	306	23	:	:	PUNCT
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easat-7654	306	25	,	,	PUNCT
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easat-7654	306	27	.	.	PUNCT
easat-7654	307	1	[	[	X
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easat-7654	307	8	b.	b.	PROPN
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easat-7654	308	8	:	:	PUNCT
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easat-7654	309	13	https://doi.org/10.1016/j.joitmc.2024.100301	https://doi.org/10.1016/j.joitmc.2024.100301	PROPN
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easat-7654	310	2	,	,	PUNCT
easat-7654	310	3	no	no	INTJ
easat-7654	310	4	.	.	NOUN
easat-7654	310	5	5	5	NUM
easat-7654	310	6	:	:	SYM
easat-7654	310	7	3134	3134	NUM
easat-7654	310	8	-	-	SYM
easat-7654	310	9	3148	3148	NUM
easat-7654	310	10	,	,	PUNCT
easat-7654	310	11	2025	2025	NUM
easat-7654	310	12	doi	doi	NOUN
easat-7654	310	13	:	:	PUNCT
easat-7654	310	14	10.55214/25768484.v9i5.7654	10.55214/25768484.v9i5.7654	NUM
easat-7654	310	15	©	©	NOUN
easat-7654	310	16	2025	2025	NUM
easat-7654	310	17	by	by	ADP
easat-7654	310	18	the	the	DET
easat-7654	310	19	authors	author	NOUN
easat-7654	310	20	;	;	PUNCT
easat-7654	310	21	licensee	licensee	PROPN
easat-7654	310	22	learning	learning	NOUN
easat-7654	310	23	gate	gate	NOUN
easat-7654	311	1	[	[	X
easat-7654	311	2	16	16	NUM
easat-7654	311	3	]	]	PUNCT
easat-7654	311	4	k.	k.	PROPN
easat-7654	311	5	l.	l.	PROPN
easat-7654	311	6	tang	tang	PROPN
easat-7654	311	7	,	,	PUNCT
easat-7654	311	8	c.	c.	PROPN
easat-7654	311	9	k.	k.	PROPN
easat-7654	311	10	ooi	ooi	PROPN
easat-7654	311	11	,	,	PUNCT
easat-7654	311	12	and	and	CCONJ
easat-7654	311	13	j.	j.	PROPN
easat-7654	311	14	b.	b.	PROPN
easat-7654	311	15	chong	chong	PROPN
easat-7654	311	16	,	,	PUNCT
easat-7654	311	17	"	"	PUNCT
easat-7654	311	18	perceived	perceive	VERB
easat-7654	311	19	risk	risk	NOUN
easat-7654	311	20	factors	factor	NOUN
easat-7654	311	21	affect	affect	VERB
easat-7654	311	22	intention	intention	NOUN
easat-7654	311	23	to	to	PART
easat-7654	311	24	use	use	VERB
easat-7654	311	25	fintech	fintech	NOUN
easat-7654	311	26	,	,	PUNCT
easat-7654	311	27	"	"	PUNCT
easat-7654	311	28	journal	journal	NOUN
easat-7654	311	29	of	of	ADP
easat-7654	311	30	accounting	accounting	NOUN
easat-7654	311	31	and	and	CCONJ
easat-7654	311	32	finance	finance	NOUN
easat-7654	311	33	in	in	ADP
easat-7654	311	34	emerging	emerge	VERB
easat-7654	311	35	economies	economy	NOUN
easat-7654	311	36	,	,	PUNCT
easat-7654	311	37	vol	vol	NOUN
easat-7654	311	38	.	.	PROPN
easat-7654	312	1	6	6	NUM
easat-7654	312	2	,	,	PUNCT
easat-7654	312	3	no	no	INTJ
easat-7654	312	4	.	.	NOUN
easat-7654	312	5	2	2	NUM
easat-7654	312	6	,	,	PUNCT
easat-7654	312	7	pp	pp	ADJ
easat-7654	312	8	.	.	PUNCT
easat-7654	313	1	453	453	NUM
easat-7654	313	2	-	-	SYM
easat-7654	313	3	463	463	NUM
easat-7654	313	4	,	,	PUNCT
easat-7654	313	5	2020	2020	NUM
easat-7654	313	6	.	.	PUNCT
easat-7654	314	1	https://doi.org/10.26710/jafee.v6i2.1101	https://doi.org/10.26710/jafee.v6i2.1101	PRON
easat-7654	315	1	[	[	X
easat-7654	315	2	17	17	NUM
easat-7654	315	3	]	]	X
easat-7654	315	4	g.	g.	PROPN
easat-7654	315	5	a.	a.	PROPN
easat-7654	315	6	putri	putri	PROPN
easat-7654	315	7	,	,	PUNCT
easat-7654	315	8	a.	a.	PROPN
easat-7654	315	9	k.	k.	PROPN
easat-7654	315	10	widagdo	widagdo	PROPN
easat-7654	315	11	,	,	PUNCT
easat-7654	315	12	and	and	CCONJ
easat-7654	315	13	d.	d.	PROPN
easat-7654	315	14	setiawan	setiawan	PROPN
easat-7654	315	15	,	,	PUNCT
easat-7654	315	16	"	"	PUNCT
easat-7654	315	17	analysis	analysis	NOUN
easat-7654	315	18	of	of	ADP
easat-7654	315	19	financial	financial	ADJ
easat-7654	315	20	technology	technology	NOUN
easat-7654	315	21	acceptance	acceptance	NOUN
easat-7654	315	22	of	of	ADP
easat-7654	315	23	peer	peer	NOUN
easat-7654	315	24	to	to	ADP
easat-7654	315	25	peer	peer	NOUN
easat-7654	315	26	lending	lending	NOUN
easat-7654	315	27	(	(	PUNCT
easat-7654	315	28	p2p	p2p	NOUN
easat-7654	315	29	lending	lending	NOUN
easat-7654	315	30	)	)	PUNCT
easat-7654	315	31	using	use	VERB
easat-7654	315	32	extended	extended	ADJ
easat-7654	315	33	technology	technology	NOUN
easat-7654	315	34	acceptance	acceptance	NOUN
easat-7654	315	35	model	model	NOUN
easat-7654	315	36	(	(	PUNCT
easat-7654	315	37	tam	tam	PROPN
easat-7654	315	38	)	)	PUNCT
easat-7654	315	39	,	,	PUNCT
easat-7654	315	40	"	"	PUNCT
easat-7654	315	41	journal	journal	NOUN
easat-7654	315	42	of	of	ADP
easat-7654	315	43	open	open	ADJ
easat-7654	315	44	innovation	innovation	NOUN
easat-7654	315	45	:	:	PUNCT
easat-7654	315	46	technology	technology	NOUN
easat-7654	315	47	,	,	PUNCT
easat-7654	315	48	market	market	NOUN
easat-7654	315	49	,	,	PUNCT
easat-7654	315	50	and	and	CCONJ
easat-7654	315	51	complexity	complexity	NOUN
easat-7654	315	52	,	,	PUNCT
easat-7654	315	53	vol	vol	NOUN
easat-7654	315	54	.	.	NOUN
easat-7654	315	55	9	9	NUM
easat-7654	315	56	,	,	PUNCT
easat-7654	315	57	no	no	INTJ
easat-7654	315	58	.	.	NOUN
easat-7654	315	59	1	1	NUM
easat-7654	315	60	,	,	PUNCT
easat-7654	315	61	p.	p.	NOUN
easat-7654	315	62	100027	100027	NUM
easat-7654	315	63	,	,	PUNCT
easat-7654	315	64	2023	2023	NUM
easat-7654	315	65	.	.	PUNCT
easat-7654	315	66	https://doi.org/10.1016/j.joitmc.2023.100027	https://doi.org/10.1016/j.joitmc.2023.100027	PROPN
easat-7654	315	67	.	.	PUNCT
easat-7654	316	1	[	[	X
easat-7654	316	2	18	18	NUM
easat-7654	316	3	]	]	X
easat-7654	316	4	v.	v.	CCONJ
easat-7654	316	5	sebastian	sebastian	PROPN
easat-7654	316	6	,	,	PUNCT
easat-7654	316	7	"	"	PUNCT
easat-7654	316	8	financial	financial	ADJ
easat-7654	316	9	technology	technology	NOUN
easat-7654	316	10	and	and	CCONJ
easat-7654	316	11	sustainability	sustainability	NOUN
easat-7654	316	12	strategies	strategy	NOUN
easat-7654	316	13	:	:	PUNCT
easat-7654	316	14	in	in	ADP
easat-7654	316	15	the	the	DET
easat-7654	316	16	perspective	perspective	NOUN
easat-7654	316	17	of	of	ADP
easat-7654	316	18	banking	banking	NOUN
easat-7654	316	19	industry	industry	NOUN
easat-7654	316	20	in	in	ADP
easat-7654	316	21	malaysia	malaysia	PROPN
easat-7654	316	22	"	"	PUNCT
easat-7654	316	23	,	,	PUNCT
easat-7654	316	24	doctoral	doctoral	ADJ
easat-7654	316	25	dissertation	dissertation	NOUN
easat-7654	316	26	,	,	PUNCT
easat-7654	316	27	university	university	NOUN
easat-7654	316	28	of	of	ADP
easat-7654	316	29	wales	wales	PROPN
easat-7654	316	30	trinity	trinity	PROPN
easat-7654	316	31	saint	saint	PROPN
easat-7654	316	32	david	david	PROPN
easat-7654	316	33	(	(	PUNCT
easat-7654	316	34	united	united	PROPN
easat-7654	316	35	kingdom	kingdom	PROPN
easat-7654	316	36	)	)	PUNCT
easat-7654	316	37	,	,	PUNCT
easat-7654	316	38	2023	2023	NUM
easat-7654	316	39	.	.	PUNCT
easat-7654	317	1	[	[	X
easat-7654	317	2	19	19	NUM
easat-7654	317	3	]	]	X
easat-7654	317	4	h.	h.	PROPN
easat-7654	317	5	zhao	zhao	PROPN
easat-7654	317	6	and	and	CCONJ
easat-7654	317	7	n.	n.	PROPN
easat-7654	317	8	khaliq	khaliq	PROPN
easat-7654	317	9	,	,	PUNCT
easat-7654	317	10	"	"	PUNCT
easat-7654	317	11	in	in	ADP
easat-7654	317	12	quest	quest	NOUN
easat-7654	317	13	of	of	ADP
easat-7654	317	14	perceived	perceive	VERB
easat-7654	317	15	risk	risk	NOUN
easat-7654	317	16	determinants	determinant	NOUN
easat-7654	317	17	affecting	affect	VERB
easat-7654	317	18	intention	intention	NOUN
easat-7654	317	19	to	to	PART
easat-7654	317	20	use	use	VERB
easat-7654	317	21	fintech	fintech	NOUN
easat-7654	317	22	:	:	PUNCT
easat-7654	317	23	moderating	moderate	VERB
easat-7654	317	24	effects	effect	NOUN
easat-7654	317	25	of	of	ADP
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easat-7654	317	28	,	,	PUNCT
easat-7654	317	29	"	"	PUNCT
easat-7654	317	30	technological	technological	ADJ
easat-7654	317	31	forecasting	forecasting	NOUN
easat-7654	317	32	and	and	CCONJ
easat-7654	317	33	social	social	ADJ
easat-7654	317	34	change	change	NOUN
easat-7654	317	35	,	,	PUNCT
easat-7654	317	36	vol	vol	NOUN
easat-7654	317	37	.	.	PROPN
easat-7654	317	38	207	207	NUM
easat-7654	317	39	,	,	PUNCT
easat-7654	317	40	p.	p.	NOUN
easat-7654	317	41	123599	123599	NUM
easat-7654	317	42	,	,	PUNCT
easat-7654	317	43	2024	2024	NUM
easat-7654	317	44	.	.	PUNCT
easat-7654	318	1	https://doi.org/10.1016/j.techfore.2024.123599	https://doi.org/10.1016/j.techfore.2024.123599	NOUN
easat-7654	318	2	[	[	X
easat-7654	318	3	20	20	NUM
easat-7654	318	4	]	]	PUNCT
easat-7654	318	5	w.	w.	PROPN
easat-7654	318	6	h.	h.	PROPN
easat-7654	318	7	bommer	bommer	PROPN
easat-7654	318	8	,	,	PUNCT
easat-7654	318	9	s.	s.	PROPN
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easat-7654	318	11	,	,	PUNCT
easat-7654	318	12	and	and	CCONJ
easat-7654	318	13	e.	e.	PROPN
easat-7654	318	14	milevoj	milevoj	PROPN
easat-7654	318	15	,	,	PUNCT
easat-7654	318	16	"	"	PUNCT
easat-7654	318	17	a	a	DET
easat-7654	318	18	meta	meta	ADJ
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easat-7654	318	20	analysis	analysis	NOUN
easat-7654	318	21	of	of	ADP
easat-7654	318	22	ewallet	ewallet	ADJ
easat-7654	318	23	adoption	adoption	NOUN
easat-7654	318	24	using	use	VERB
easat-7654	318	25	the	the	DET
easat-7654	318	26	utaut	utaut	PROPN
easat-7654	318	27	model	model	NOUN
easat-7654	318	28	,	,	PUNCT
easat-7654	318	29	"	"	PUNCT
easat-7654	318	30	international	international	ADJ
easat-7654	318	31	journal	journal	NOUN
easat-7654	318	32	of	of	ADP
easat-7654	318	33	bank	bank	PROPN
easat-7654	318	34	marketing	marketing	NOUN
easat-7654	318	35	,	,	PUNCT
easat-7654	318	36	vol	vol	NOUN
easat-7654	318	37	.	.	PROPN
easat-7654	318	38	40	40	NUM
easat-7654	318	39	,	,	PUNCT
easat-7654	318	40	no	no	INTJ
easat-7654	318	41	.	.	NOUN
easat-7654	318	42	4	4	NUM
easat-7654	318	43	,	,	PUNCT
easat-7654	318	44	pp	pp	ADJ
easat-7654	318	45	.	.	PUNCT
easat-7654	319	1	791	791	NUM
easat-7654	319	2	-	-	SYM
easat-7654	319	3	819	819	NUM
easat-7654	319	4	,	,	PUNCT
easat-7654	319	5	2022	2022	NUM
easat-7654	319	6	.	.	PUNCT
easat-7654	320	1	[	[	X
easat-7654	320	2	21	21	NUM
easat-7654	320	3	]	]	PUNCT
easat-7654	320	4	a.-l	a.-l	PROPN
easat-7654	320	5	.	.	PUNCT
easat-7654	321	1	mention	mention	VERB
easat-7654	321	2	,	,	PUNCT
easat-7654	321	3	"	"	PUNCT
easat-7654	321	4	the	the	DET
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easat-7654	321	6	of	of	ADP
easat-7654	321	7	fintech	fintech	NOUN
easat-7654	321	8	,	,	PUNCT
easat-7654	321	9	"	"	PUNCT
easat-7654	321	10	taylor	taylor	PROPN
easat-7654	321	11	&	&	CCONJ
easat-7654	321	12	francis	francis	PROPN
easat-7654	321	13	,	,	PUNCT
easat-7654	321	14	vol	vol	NOUN
easat-7654	321	15	.	.	PROPN
easat-7654	321	16	62	62	NUM
easat-7654	321	17	,	,	PUNCT
easat-7654	321	18	no	no	INTJ
easat-7654	321	19	.	.	NOUN
easat-7654	321	20	4	4	NUM
easat-7654	321	21	,	,	PUNCT
easat-7654	321	22	pp	pp	ADJ
easat-7654	321	23	.	.	PUNCT
easat-7654	322	1	59	59	NUM
easat-7654	322	2	-	-	SYM
easat-7654	322	3	63	63	NUM
easat-7654	322	4	,	,	PUNCT
easat-7654	322	5	2019	2019	NUM
easat-7654	322	6	.	.	PUNCT
easat-7654	323	1	https://doi.org/10.1080/08956308.2019.1613123	https://doi.org/10.1080/08956308.2019.1613123	X
easat-7654	324	1	[	[	X
easat-7654	324	2	22	22	NUM
easat-7654	324	3	]	]	PUNCT
easat-7654	324	4	j.	j.	PROPN
easat-7654	324	5	fost	fost	PROPN
easat-7654	324	6	,	,	PUNCT
easat-7654	324	7	"	"	PUNCT
easat-7654	324	8	the	the	DET
easat-7654	324	9	economic	economic	ADJ
easat-7654	324	10	forces	force	NOUN
easat-7654	324	11	driving	drive	VERB
easat-7654	324	12	fintech	fintech	NOUN
easat-7654	324	13	adoption	adoption	NOUN
easat-7654	324	14	across	across	ADP
easat-7654	324	15	countries	country	NOUN
easat-7654	324	16	bank	bank	PROPN
easat-7654	324	17	for	for	ADP
easat-7654	324	18	international	international	ADJ
easat-7654	324	19	settlements	settlement	NOUN
easat-7654	324	20	,	,	PUNCT
easat-7654	324	21	"	"	PUNCT
easat-7654	324	22	retrieved	retrieve	VERB
easat-7654	324	23	:	:	PUNCT
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easat-7654	324	25	,	,	PUNCT
easat-7654	324	26	2020	2020	NUM
easat-7654	324	27	.	.	PUNCT
easat-7654	325	1	[	[	X
easat-7654	325	2	23	23	NUM
easat-7654	325	3	]	]	PUNCT
easat-7654	325	4	x.	x.	NOUN
easat-7654	325	5	fang	fang	PROPN
easat-7654	325	6	,	,	PUNCT
easat-7654	325	7	b.	b.	PROPN
easat-7654	325	8	wang	wang	PROPN
easat-7654	325	9	,	,	PUNCT
easat-7654	325	10	l.	l.	PROPN
easat-7654	325	11	liu	liu	PROPN
easat-7654	325	12	,	,	PUNCT
easat-7654	325	13	and	and	CCONJ
easat-7654	325	14	y.	y.	PROPN
easat-7654	325	15	song	song	NOUN
easat-7654	325	16	,	,	PUNCT
easat-7654	325	17	"	"	PUNCT
easat-7654	325	18	heterogeneous	heterogeneous	ADJ
easat-7654	325	19	traders	trader	NOUN
easat-7654	325	20	,	,	PUNCT
easat-7654	325	21	the	the	DET
easat-7654	325	22	leverage	leverage	NOUN
easat-7654	325	23	effect	effect	NOUN
easat-7654	325	24	and	and	CCONJ
easat-7654	325	25	volatility	volatility	NOUN
easat-7654	325	26	of	of	ADP
easat-7654	325	27	the	the	DET
easat-7654	325	28	chinese	chinese	ADJ
easat-7654	325	29	p2p	p2p	PROPN
easat-7654	325	30	market	market	NOUN
easat-7654	325	31	,	,	PUNCT
easat-7654	325	32	"	"	PUNCT
easat-7654	325	33	journal	journal	NOUN
easat-7654	325	34	of	of	ADP
easat-7654	325	35	management	management	NOUN
easat-7654	325	36	science	science	NOUN
easat-7654	325	37	and	and	CCONJ
easat-7654	325	38	engineering	engineering	NOUN
easat-7654	325	39	,	,	PUNCT
easat-7654	325	40	vol	vol	NOUN
easat-7654	325	41	.	.	PROPN
easat-7654	326	1	3	3	NUM
easat-7654	326	2	,	,	PUNCT
easat-7654	326	3	no	no	INTJ
easat-7654	326	4	.	.	NOUN
easat-7654	326	5	1	1	NUM
easat-7654	326	6	,	,	PUNCT
easat-7654	326	7	pp	pp	ADJ
easat-7654	326	8	.	.	PUNCT
easat-7654	327	1	39	39	NUM
easat-7654	327	2	-	-	SYM
easat-7654	327	3	57	57	NUM
easat-7654	327	4	,	,	PUNCT
easat-7654	327	5	2018	2018	NUM
easat-7654	327	6	.	.	PUNCT
easat-7654	328	1	[	[	X
easat-7654	328	2	24	24	NUM
easat-7654	328	3	]	]	PUNCT
easat-7654	328	4	m.	m.	NOUN
easat-7654	328	5	gao	gao	PROPN
easat-7654	328	6	,	,	PUNCT
easat-7654	328	7	j.	j.	PROPN
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easat-7654	328	9	,	,	PUNCT
easat-7654	328	10	and	and	CCONJ
easat-7654	328	11	m.	m.	PROPN
easat-7654	328	12	liu	liu	PROPN
easat-7654	328	13	,	,	PUNCT
easat-7654	328	14	"	"	PUNCT
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easat-7654	328	16	of	of	ADP
easat-7654	328	17	defaults	default	NOUN
easat-7654	328	18	on	on	ADP
easat-7654	328	19	p2p	p2p	NOUN
easat-7654	328	20	lending	lending	NOUN
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easat-7654	328	22	in	in	ADP
easat-7654	328	23	china	china	PROPN
easat-7654	328	24	,	,	PUNCT
easat-7654	328	25	"	"	PUNCT
easat-7654	328	26	international	international	ADJ
easat-7654	328	27	review	review	NOUN
easat-7654	328	28	of	of	ADP
easat-7654	328	29	economics	economics	PROPN
easat-7654	328	30	&	&	CCONJ
easat-7654	328	31	finance	finance	PROPN
easat-7654	328	32	,	,	PUNCT
easat-7654	328	33	vol	vol	NOUN
easat-7654	328	34	.	.	PROPN
easat-7654	328	35	72	72	NUM
easat-7654	328	36	,	,	PUNCT
easat-7654	328	37	pp	pp	ADJ
easat-7654	328	38	.	.	PUNCT
easat-7654	329	1	334	334	NUM
easat-7654	329	2	-	-	SYM
easat-7654	329	3	348	348	NUM
easat-7654	329	4	,	,	PUNCT
easat-7654	329	5	2021	2021	NUM
easat-7654	329	6	.	.	PUNCT
easat-7654	330	1	[	[	X
easat-7654	330	2	25	25	NUM
easat-7654	330	3	]	]	X
easat-7654	330	4	y.	y.	PROPN
easat-7654	330	5	huang	huang	PROPN
easat-7654	330	6	,	,	PUNCT
easat-7654	330	7	x.	x.	PROPN
easat-7654	330	8	li	li	PROPN
easat-7654	330	9	,	,	PUNCT
easat-7654	330	10	and	and	CCONJ
easat-7654	330	11	c.	c.	PROPN
easat-7654	330	12	wang	wang	PROPN
easat-7654	330	13	,	,	PUNCT
easat-7654	330	14	"	"	PUNCT
easat-7654	330	15	what	what	PRON
easat-7654	330	16	does	do	AUX
easat-7654	330	17	peer	peer	NOUN
easat-7654	330	18	-	-	PUNCT
easat-7654	330	19	to	to	ADP
easat-7654	330	20	-	-	PUNCT
easat-7654	330	21	peer	peer	NOUN
easat-7654	330	22	lending	lending	NOUN
easat-7654	330	23	evidence	evidence	NOUN
easat-7654	330	24	say	say	VERB
easat-7654	330	25	about	about	ADP
easat-7654	330	26	the	the	DET
easat-7654	330	27	risk	risk	NOUN
easat-7654	330	28	-	-	PUNCT
easat-7654	330	29	taking	take	VERB
easat-7654	330	30	channel	channel	NOUN
easat-7654	330	31	of	of	ADP
easat-7654	330	32	monetary	monetary	ADJ
easat-7654	330	33	policy	policy	NOUN
easat-7654	330	34	?	?	PUNCT
easat-7654	330	35	,	,	PUNCT
easat-7654	330	36	"	"	PUNCT
easat-7654	330	37	journal	journal	NOUN
easat-7654	330	38	of	of	ADP
easat-7654	330	39	corporate	corporate	ADJ
easat-7654	330	40	finance	finance	NOUN
easat-7654	330	41	,	,	PUNCT
easat-7654	330	42	vol	vol	NOUN
easat-7654	330	43	.	.	PROPN
easat-7654	330	44	66	66	NUM
easat-7654	330	45	,	,	PUNCT
easat-7654	330	46	p.	p.	NOUN
easat-7654	330	47	101845	101845	NUM
easat-7654	330	48	,	,	PUNCT
easat-7654	330	49	2021	2021	NUM
easat-7654	330	50	.	.	PUNCT
easat-7654	331	1	[	[	X
easat-7654	331	2	26	26	NUM
easat-7654	331	3	]	]	X
easat-7654	331	4	w.	w.	PROPN
easat-7654	331	5	yu	yu	PROPN
easat-7654	331	6	and	and	CCONJ
easat-7654	331	7	t.	t.	PROPN
easat-7654	331	8	zhang	zhang	PROPN
easat-7654	331	9	,	,	PUNCT
easat-7654	331	10	"	"	PUNCT
easat-7654	331	11	can	can	AUX
easat-7654	331	12	credit	credit	NOUN
easat-7654	331	13	ratings	rating	NOUN
easat-7654	331	14	predict	predict	VERB
easat-7654	331	15	defaults	default	NOUN
easat-7654	331	16	in	in	ADP
easat-7654	331	17	peer	peer	NOUN
easat-7654	331	18	-	-	PUNCT
easat-7654	331	19	to	to	ADP
easat-7654	331	20	-	-	PUNCT
easat-7654	331	21	peer	peer	NOUN
easat-7654	331	22	online	online	ADJ
easat-7654	331	23	lending	lending	NOUN
easat-7654	331	24	?	?	PUNCT
easat-7654	332	1	evidence	evidence	NOUN
easat-7654	332	2	from	from	ADP
easat-7654	332	3	a	a	DET
easat-7654	332	4	chinese	chinese	ADJ
easat-7654	332	5	platform	platform	NOUN
easat-7654	332	6	,	,	PUNCT
easat-7654	332	7	"	"	PUNCT
easat-7654	332	8	finance	finance	NOUN
easat-7654	332	9	research	research	NOUN
easat-7654	332	10	letters	letter	NOUN
easat-7654	332	11	,	,	PUNCT
easat-7654	332	12	vol	vol	NOUN
easat-7654	332	13	.	.	PROPN
easat-7654	332	14	40	40	NUM
easat-7654	332	15	,	,	PUNCT
easat-7654	332	16	p.	p.	NOUN
easat-7654	332	17	101724	101724	NUM
easat-7654	332	18	,	,	PUNCT
easat-7654	332	19	2021	2021	NUM
easat-7654	332	20	.	.	PUNCT
easat-7654	333	1	[	[	X
easat-7654	333	2	27	27	NUM
easat-7654	333	3	]	]	X
easat-7654	333	4	c.	c.	PROPN
easat-7654	333	5	fe	fe	PROPN
easat-7654	333	6	-	-	PROPN
easat-7654	333	7	yen	yen	NOUN
easat-7654	333	8	chen	chen	PROPN
easat-7654	333	9	,	,	PUNCT
easat-7654	333	10	t.	t.	PROPN
easat-7654	333	11	j.	j.	PROPN
easat-7654	333	12	chan	chan	PROPN
easat-7654	333	13	,	,	PUNCT
easat-7654	333	14	and	and	CCONJ
easat-7654	333	15	n.	n.	PROPN
easat-7654	333	16	h.	h.	PROPN
easat-7654	333	17	hashim	hashim	PROPN
easat-7654	333	18	,	,	PUNCT
easat-7654	333	19	"	"	PUNCT
easat-7654	333	20	factor	factor	NOUN
easat-7654	333	21	influencing	influence	VERB
easat-7654	333	22	continuation	continuation	NOUN
easat-7654	333	23	intention	intention	NOUN
easat-7654	333	24	of	of	ADP
easat-7654	333	25	using	use	VERB
easat-7654	333	26	fintech	fintech	NOUN
easat-7654	333	27	from	from	ADP
easat-7654	333	28	the	the	DET
easat-7654	333	29	users	user	NOUN
easat-7654	333	30	'	'	PART
easat-7654	333	31	perspectives	perspective	NOUN
easat-7654	333	32	:	:	PUNCT
easat-7654	333	33	testing	testing	NOUN
easat-7654	333	34	of	of	ADP
easat-7654	333	35	unified	unified	ADJ
easat-7654	333	36	theory	theory	NOUN
easat-7654	333	37	of	of	ADP
easat-7654	333	38	acceptance	acceptance	NOUN
easat-7654	333	39	and	and	CCONJ
easat-7654	333	40	use	use	NOUN
easat-7654	333	41	of	of	ADP
easat-7654	333	42	technology	technology	NOUN
easat-7654	333	43	(	(	PUNCT
easat-7654	333	44	utaut2	utaut2	PROPN
easat-7654	333	45	)	)	PUNCT
easat-7654	333	46	,	,	PUNCT
easat-7654	333	47	"	"	PUNCT
easat-7654	333	48	international	international	ADJ
easat-7654	333	49	journal	journal	NOUN
easat-7654	333	50	of	of	ADP
easat-7654	333	51	technology	technology	NOUN
easat-7654	333	52	,	,	PUNCT
easat-7654	333	53	vol	vol	NOUN
easat-7654	333	54	.	.	PROPN
easat-7654	333	55	14	14	NUM
easat-7654	333	56	,	,	PUNCT
easat-7654	333	57	no	no	INTJ
easat-7654	333	58	.	.	NOUN
easat-7654	333	59	6	6	NUM
easat-7654	333	60	,	,	PUNCT
easat-7654	333	61	2023	2023	NUM
easat-7654	333	62	.	.	PUNCT
easat-7654	334	1	[	[	X
easat-7654	334	2	28	28	NUM
easat-7654	334	3	]	]	X
easat-7654	334	4	a.	a.	NOUN
easat-7654	334	5	ambya	ambya	PROPN
easat-7654	334	6	,	,	PUNCT
easat-7654	334	7	l.	l.	PROPN
easat-7654	334	8	m.	m.	PROPN
easat-7654	334	9	hamzah	hamzah	PROPN
easat-7654	334	10	,	,	PUNCT
easat-7654	334	11	e.	e.	PROPN
easat-7654	334	12	maimunah	maimunah	PROPN
easat-7654	334	13	,	,	PUNCT
easat-7654	334	14	and	and	CCONJ
easat-7654	334	15	m.	m.	NOUN
easat-7654	334	16	gozza	gozza	NOUN
easat-7654	334	17	,	,	PUNCT
easat-7654	334	18	"	"	PUNCT
easat-7654	334	19	services	service	NOUN
easat-7654	334	20	of	of	ADP
easat-7654	334	21	financial	financial	ADJ
easat-7654	334	22	technology	technology	NOUN
easat-7654	334	23	(	(	PUNCT
easat-7654	334	24	fintech	fintech	NOUN
easat-7654	334	25	)	)	PUNCT
easat-7654	334	26	;	;	PUNCT
easat-7654	334	27	two	two	NUM
easat-7654	334	28	stage	stage	NOUN
easat-7654	334	29	least	least	ADJ
easat-7654	334	30	square	square	ADJ
easat-7654	334	31	method	method	NOUN
easat-7654	334	32	,	,	PUNCT
easat-7654	334	33	"	"	PUNCT
easat-7654	334	34	in	in	ADP
easat-7654	334	35	in	in	ADP
easat-7654	334	36	icebe	icebe	NOUN
easat-7654	334	37	2021	2021	NUM
easat-7654	334	38	:	:	PUNCT
easat-7654	334	39	proceedings	proceeding	NOUN
easat-7654	334	40	of	of	ADP
easat-7654	334	41	the	the	DET
easat-7654	334	42	4th	4th	ADJ
easat-7654	334	43	international	international	ADJ
easat-7654	334	44	conference	conference	NOUN
easat-7654	334	45	of	of	ADP
easat-7654	334	46	economics	economic	NOUN
easat-7654	334	47	,	,	PUNCT
easat-7654	334	48	business	business	NOUN
easat-7654	334	49	,	,	PUNCT
easat-7654	334	50	and	and	CCONJ
easat-7654	334	51	entrepreneurship	entrepreneurship	NOUN
easat-7654	334	52	,	,	PUNCT
easat-7654	334	53	icebe	icebe	VERB
easat-7654	334	54	2021	2021	NUM
easat-7654	334	55	,	,	PUNCT
easat-7654	334	56	7	7	NUM
easat-7654	334	57	october	october	NOUN
easat-7654	334	58	2021	2021	NUM
easat-7654	334	59	,	,	PUNCT
easat-7654	334	60	lampung	lampung	NOUN
easat-7654	334	61	,	,	PUNCT
easat-7654	334	62	indonesia	indonesia	PROPN
easat-7654	334	63	(	(	PUNCT
easat-7654	334	64	p.	p.	NOUN
easat-7654	334	65	405	405	NUM
easat-7654	334	66	)	)	PUNCT
easat-7654	334	67	.	.	PUNCT
easat-7654	335	1	european	european	PROPN
easat-7654	335	2	alliance	alliance	PROPN
easat-7654	335	3	for	for	ADP
easat-7654	335	4	innovation	innovation	NOUN
easat-7654	335	5	,	,	PUNCT
easat-7654	335	6	2022	2022	NUM
easat-7654	335	7	.	.	PUNCT
easat-7654	336	1	[	[	X
easat-7654	336	2	29	29	NUM
easat-7654	336	3	]	]	X
easat-7654	336	4	v.	v.	CCONJ
easat-7654	336	5	venkatesh	venkatesh	PROPN
easat-7654	336	6	,	,	PUNCT
easat-7654	336	7	m.	m.	NOUN
easat-7654	336	8	g.	g.	PROPN
easat-7654	336	9	morris	morris	PROPN
easat-7654	336	10	,	,	PUNCT
easat-7654	336	11	g.	g.	PROPN
easat-7654	336	12	b.	b.	PROPN
easat-7654	336	13	davis	davis	PROPN
easat-7654	336	14	,	,	PUNCT
easat-7654	336	15	and	and	CCONJ
easat-7654	336	16	f.	f.	PROPN
easat-7654	336	17	d.	d.	PROPN
easat-7654	336	18	davis	davis	PROPN
easat-7654	336	19	,	,	PUNCT
easat-7654	336	20	"	"	PUNCT
easat-7654	336	21	user	user	NOUN
easat-7654	336	22	acceptance	acceptance	NOUN
easat-7654	336	23	of	of	ADP
easat-7654	336	24	information	information	NOUN
easat-7654	336	25	technology	technology	NOUN
easat-7654	336	26	:	:	PUNCT
easat-7654	336	27	toward	toward	ADP
easat-7654	336	28	a	a	DET
easat-7654	336	29	unified	unified	ADJ
easat-7654	336	30	view	view	NOUN
easat-7654	336	31	,	,	PUNCT
easat-7654	336	32	"	"	PUNCT
easat-7654	336	33	mis	mis	PROPN
easat-7654	336	34	quarterly	quarterly	ADJ
easat-7654	336	35	,	,	PUNCT
easat-7654	336	36	vol	vol	NOUN
easat-7654	336	37	.	.	PROPN
easat-7654	336	38	27	27	NUM
easat-7654	336	39	,	,	PUNCT
easat-7654	336	40	no	no	INTJ
easat-7654	336	41	.	.	NOUN
easat-7654	336	42	3	3	NUM
easat-7654	336	43	,	,	PUNCT
easat-7654	336	44	pp	pp	ADJ
easat-7654	336	45	.	.	PUNCT
easat-7654	336	46	425	425	NUM
easat-7654	336	47	-	-	SYM
easat-7654	336	48	478	478	NUM
easat-7654	336	49	,	,	PUNCT
easat-7654	336	50	2003	2003	NUM
easat-7654	336	51	.	.	PUNCT
easat-7654	337	1	[	[	X
easat-7654	337	2	30	30	NUM
easat-7654	337	3	]	]	X
easat-7654	337	4	l.	l.	PROPN
easat-7654	337	5	xue	xue	PROPN
easat-7654	337	6	,	,	PUNCT
easat-7654	337	7	a.	a.	PROPN
easat-7654	337	8	m.	m.	PROPN
easat-7654	337	9	rashid	rashid	PROPN
easat-7654	337	10	,	,	PUNCT
easat-7654	337	11	and	and	CCONJ
easat-7654	337	12	s.	s.	PROPN
easat-7654	337	13	ouyang	ouyang	PROPN
easat-7654	337	14	,	,	PUNCT
easat-7654	337	15	"	"	PUNCT
easat-7654	337	16	the	the	DET
easat-7654	337	17	unified	unified	ADJ
easat-7654	337	18	theory	theory	NOUN
easat-7654	337	19	of	of	ADP
easat-7654	337	20	acceptance	acceptance	NOUN
easat-7654	337	21	and	and	CCONJ
easat-7654	337	22	use	use	NOUN
easat-7654	337	23	of	of	ADP
easat-7654	337	24	technology	technology	NOUN
easat-7654	337	25	(	(	PUNCT
easat-7654	337	26	utaut	utaut	NOUN
easat-7654	337	27	)	)	PUNCT
easat-7654	337	28	in	in	ADP
easat-7654	337	29	higher	high	ADJ
easat-7654	337	30	education	education	NOUN
easat-7654	337	31	:	:	PUNCT
easat-7654	337	32	a	a	DET
easat-7654	337	33	systematic	systematic	ADJ
easat-7654	337	34	review	review	NOUN
easat-7654	337	35	,	,	PUNCT
easat-7654	337	36	"	"	PUNCT
easat-7654	337	37	sage	sage	NOUN
easat-7654	337	38	open	open	ADJ
easat-7654	337	39	,	,	PUNCT
easat-7654	337	40	vol	vol	NOUN
easat-7654	337	41	.	.	PROPN
easat-7654	337	42	14	14	NUM
easat-7654	337	43	,	,	PUNCT
easat-7654	337	44	no	no	INTJ
easat-7654	337	45	.	.	NOUN
easat-7654	337	46	1	1	NUM
easat-7654	337	47	,	,	PUNCT
easat-7654	337	48	p.	p.	NOUN
easat-7654	337	49	21582440241229570	21582440241229570	NUM
easat-7654	337	50	,	,	PUNCT
easat-7654	337	51	2024	2024	NUM
easat-7654	337	52	.	.	PUNCT
easat-7654	338	1	https://doi.org/10.1177/21582440241229570	https://doi.org/10.1177/21582440241229570	NOUN
easat-7654	339	1	[	[	X
easat-7654	339	2	31	31	NUM
easat-7654	339	3	]	]	PUNCT
easat-7654	339	4	m.	m.	NOUN
easat-7654	339	5	s.	s.	PROPN
easat-7654	339	6	hassan	hassan	PROPN
easat-7654	339	7	,	,	PUNCT
easat-7654	339	8	m.	m.	PROPN
easat-7654	339	9	a.	a.	PROPN
easat-7654	339	10	islam	islam	PROPN
easat-7654	339	11	,	,	PUNCT
easat-7654	339	12	f.	f.	PROPN
easat-7654	339	13	a.	a.	PROPN
easat-7654	339	14	sobhani	sobhani	PROPN
easat-7654	339	15	,	,	PUNCT
easat-7654	339	16	h.	h.	PROPN
easat-7654	339	17	nasir	nasir	PROPN
easat-7654	339	18	,	,	PUNCT
easat-7654	339	19	i.	i.	PROPN
easat-7654	339	20	mahmud	mahmud	PROPN
easat-7654	339	21	,	,	PUNCT
easat-7654	339	22	and	and	CCONJ
easat-7654	339	23	f.	f.	PROPN
easat-7654	339	24	t.	t.	PROPN
easat-7654	339	25	zahra	zahra	PROPN
easat-7654	339	26	,	,	PUNCT
easat-7654	339	27	"	"	PUNCT
easat-7654	339	28	drivers	driver	NOUN
easat-7654	339	29	influencing	influence	VERB
easat-7654	339	30	the	the	DET
easat-7654	339	31	adoption	adoption	NOUN
easat-7654	339	32	intention	intention	NOUN
easat-7654	339	33	towards	towards	ADP
easat-7654	339	34	mobile	mobile	ADJ
easat-7654	339	35	fintech	fintech	NOUN
easat-7654	339	36	services	service	NOUN
easat-7654	339	37	:	:	PUNCT
easat-7654	339	38	a	a	DET
easat-7654	339	39	study	study	NOUN
easat-7654	339	40	on	on	ADP
easat-7654	339	41	the	the	DET
easat-7654	339	42	emerging	emerge	VERB
easat-7654	339	43	bangladesh	bangladesh	NOUN
easat-7654	339	44	market	market	NOUN
easat-7654	339	45	,	,	PUNCT
easat-7654	339	46	"	"	PUNCT
easat-7654	339	47	information	information	NOUN
easat-7654	339	48	,	,	PUNCT
easat-7654	339	49	vol	vol	NOUN
easat-7654	339	50	.	.	PROPN
easat-7654	339	51	13	13	NUM
easat-7654	339	52	,	,	PUNCT
easat-7654	339	53	no	no	INTJ
easat-7654	339	54	.	.	NOUN
easat-7654	339	55	7	7	NUM
easat-7654	339	56	,	,	PUNCT
easat-7654	339	57	p.	p.	NOUN
easat-7654	339	58	349	349	NUM
easat-7654	339	59	,	,	PUNCT
easat-7654	339	60	2022	2022	NUM
easat-7654	339	61	.	.	PUNCT
easat-7654	340	1	https://doi.org/10.3390/info13070349	https://doi.org/10.3390/info13070349	PROPN
easat-7654	341	1	[	[	X
easat-7654	341	2	32	32	NUM
easat-7654	341	3	]	]	PUNCT
easat-7654	341	4	k.	k.	PROPN
easat-7654	341	5	bajunaied	bajunaie	VERB
easat-7654	341	6	,	,	PUNCT
easat-7654	341	7	n.	n.	PROPN
easat-7654	341	8	hussin	hussin	PROPN
easat-7654	341	9	,	,	PUNCT
easat-7654	341	10	and	and	CCONJ
easat-7654	341	11	s.	s.	PROPN
easat-7654	341	12	kamarudin	kamarudin	PROPN
easat-7654	341	13	,	,	PUNCT
easat-7654	341	14	"	"	PUNCT
easat-7654	341	15	behavioral	behavioral	ADJ
easat-7654	341	16	intention	intention	NOUN
easat-7654	341	17	to	to	PART
easat-7654	341	18	adopt	adopt	VERB
easat-7654	341	19	fintech	fintech	NOUN
easat-7654	341	20	services	service	NOUN
easat-7654	341	21	:	:	PUNCT
easat-7654	341	22	an	an	DET
easat-7654	341	23	extension	extension	NOUN
easat-7654	341	24	of	of	ADP
easat-7654	341	25	unified	unified	ADJ
easat-7654	341	26	theory	theory	NOUN
easat-7654	341	27	of	of	ADP
easat-7654	341	28	acceptance	acceptance	NOUN
easat-7654	341	29	and	and	CCONJ
easat-7654	341	30	use	use	NOUN
easat-7654	341	31	of	of	ADP
easat-7654	341	32	technology	technology	NOUN
easat-7654	341	33	,	,	PUNCT
easat-7654	341	34	"	"	PUNCT
easat-7654	341	35	journal	journal	NOUN
easat-7654	341	36	of	of	ADP
easat-7654	341	37	open	open	ADJ
easat-7654	341	38	innovation	innovation	NOUN
easat-7654	341	39	:	:	PUNCT
easat-7654	341	40	technology	technology	NOUN
easat-7654	341	41	,	,	PUNCT
easat-7654	341	42	market	market	NOUN
easat-7654	341	43	,	,	PUNCT
easat-7654	341	44	and	and	CCONJ
easat-7654	341	45	complexity	complexity	NOUN
easat-7654	341	46	,	,	PUNCT
easat-7654	341	47	vol	vol	NOUN
easat-7654	341	48	.	.	NOUN
easat-7654	342	1	9	9	NUM
easat-7654	342	2	,	,	PUNCT
easat-7654	342	3	no	no	INTJ
easat-7654	342	4	.	.	NOUN
easat-7654	342	5	1	1	NUM
easat-7654	342	6	,	,	PUNCT
easat-7654	342	7	p.	p.	NOUN
easat-7654	342	8	100010	100010	NUM
easat-7654	342	9	,	,	PUNCT
easat-7654	342	10	2023	2023	NUM
easat-7654	342	11	.	.	PUNCT
easat-7654	343	1	https://doi.org/10.1016/j.joitmc.2023.100010	https://doi.org/10.1016/j.joitmc.2023.100010	PROPN
easat-7654	343	2	[	[	X
easat-7654	343	3	33	33	NUM
easat-7654	343	4	]	]	PUNCT
easat-7654	343	5	s.	s.	PROPN
easat-7654	343	6	goyal	goyal	PROPN
easat-7654	343	7	,	,	PUNCT
easat-7654	343	8	v.	v.	ADP
easat-7654	343	9	venkatesh	venkatesh	NOUN
easat-7654	343	10	,	,	PUNCT
easat-7654	343	11	and	and	CCONJ
easat-7654	343	12	x.	x.	PROPN
easat-7654	343	13	shi	shi	PROPN
easat-7654	343	14	,	,	PUNCT
easat-7654	343	15	"	"	PUNCT
easat-7654	343	16	role	role	NOUN
easat-7654	343	17	of	of	ADP
easat-7654	343	18	users	user	NOUN
easat-7654	343	19	’	'	PUNCT
easat-7654	343	20	status	status	NOUN
easat-7654	343	21	quo	quo	NOUN
easat-7654	343	22	on	on	ADP
easat-7654	343	23	continuance	continuance	NOUN
easat-7654	343	24	intentions	intention	NOUN
easat-7654	343	25	,	,	PUNCT
easat-7654	343	26	"	"	PUNCT
easat-7654	343	27	information	information	NOUN
easat-7654	343	28	&	&	CCONJ
easat-7654	343	29	management	management	NOUN
easat-7654	343	30	,	,	PUNCT
easat-7654	343	31	vol	vol	NOUN
easat-7654	343	32	.	.	PROPN
easat-7654	343	33	59	59	NUM
easat-7654	343	34	,	,	PUNCT
easat-7654	343	35	no	no	INTJ
easat-7654	343	36	.	.	NOUN
easat-7654	343	37	8	8	NUM
easat-7654	343	38	,	,	PUNCT
easat-7654	343	39	p.	p.	NOUN
easat-7654	343	40	103686	103686	NUM
easat-7654	343	41	,	,	PUNCT
easat-7654	343	42	2022	2022	NUM
easat-7654	343	43	.	.	PUNCT
easat-7654	344	1	https://doi.org/10.1016/j.im.2022.103686	https://doi.org/10.1016/j.im.2022.103686	NOUN
easat-7654	344	2	.	.	PUNCT
easat-7654	345	1	[	[	X
easat-7654	345	2	34	34	NUM
easat-7654	345	3	]	]	X
easat-7654	345	4	f.	f.	PROPN
easat-7654	345	5	t.	t.	PROPN
easat-7654	345	6	johora	johora	PROPN
easat-7654	345	7	and	and	CCONJ
easat-7654	345	8	m.	m.	NOUN
easat-7654	345	9	may	may	AUX
easat-7654	345	10	,	,	PUNCT
easat-7654	345	11	"	"	PUNCT
easat-7654	345	12	how	how	SCONJ
easat-7654	345	13	hard	hard	ADV
easat-7654	345	14	is	be	AUX
easat-7654	345	15	it	it	PRON
easat-7654	345	16	to	to	PART
easat-7654	345	17	use	use	VERB
easat-7654	345	18	mobile	mobile	ADJ
easat-7654	345	19	money	money	NOUN
easat-7654	345	20	as	as	ADP
easat-7654	345	21	a	a	DET
easat-7654	345	22	rural	rural	ADJ
easat-7654	345	23	bangladeshi	bangladeshi	ADJ
easat-7654	345	24	woman	woman	NOUN
easat-7654	345	25	?	?	PUNCT
easat-7654	345	26	,	,	PUNCT
easat-7654	345	27	"	"	PUNCT
easat-7654	345	28	appropriate	appropriate	ADJ
easat-7654	345	29	technology	technology	NOUN
easat-7654	345	30	,	,	PUNCT
easat-7654	345	31	vol	vol	NOUN
easat-7654	345	32	.	.	PROPN
easat-7654	346	1	42	42	NUM
easat-7654	346	2	,	,	PUNCT
easat-7654	346	3	no	no	INTJ
easat-7654	346	4	.	.	NOUN
easat-7654	346	5	4	4	NUM
easat-7654	346	6	,	,	PUNCT
easat-7654	346	7	p.	p.	NOUN
easat-7654	346	8	54	54	NUM
easat-7654	346	9	,	,	PUNCT
easat-7654	346	10	2015	2015	NUM
easat-7654	346	11	.	.	PUNCT
easat-7654	347	1	[	[	X
easat-7654	347	2	35	35	NUM
easat-7654	347	3	]	]	X
easat-7654	347	4	n.	n.	NOUN
easat-7654	347	5	sultana	sultana	PROPN
easat-7654	347	6	,	,	PUNCT
easat-7654	347	7	r.	r.	PROPN
easat-7654	347	8	s.	s.	PROPN
easat-7654	347	9	chowdhury	chowdhury	PROPN
easat-7654	347	10	,	,	PUNCT
easat-7654	347	11	and	and	CCONJ
easat-7654	347	12	a.	a.	PROPN
easat-7654	347	13	haque	haque	PROPN
easat-7654	347	14	,	,	PUNCT
easat-7654	347	15	"	"	PUNCT
easat-7654	347	16	gravitating	gravitate	VERB
easat-7654	347	17	towards	towards	ADP
easat-7654	347	18	fintech	fintech	NOUN
easat-7654	347	19	:	:	PUNCT
easat-7654	347	20	a	a	DET
easat-7654	347	21	study	study	NOUN
easat-7654	347	22	on	on	ADP
easat-7654	347	23	undergraduates	undergraduate	NOUN
easat-7654	347	24	using	use	VERB
easat-7654	347	25	extended	extended	ADJ
easat-7654	347	26	utaut	utaut	PROPN
easat-7654	347	27	model	model	NOUN
easat-7654	347	28	,	,	PUNCT
easat-7654	347	29	"	"	PUNCT
easat-7654	347	30	heliyon	heliyon	NOUN
easat-7654	347	31	,	,	PUNCT
easat-7654	347	32	vol	vol	NOUN
easat-7654	347	33	.	.	PROPN
easat-7654	347	34	9	9	NUM
easat-7654	347	35	,	,	PUNCT
easat-7654	347	36	no	no	INTJ
easat-7654	347	37	.	.	NOUN
easat-7654	347	38	10	10	NUM
easat-7654	347	39	,	,	PUNCT
easat-7654	347	40	2023	2023	NUM
easat-7654	347	41	.	.	PUNCT
easat-7654	348	1	https://doi.org/10.1016/j.heliyon.2023.e20731	https://doi.org/10.1016/j.heliyon.2023.e20731	NOUN
easat-7654	349	1	[	[	X
easat-7654	349	2	36	36	NUM
easat-7654	349	3	]	]	PUNCT
easat-7654	349	4	m.	m.	PROPN
easat-7654	349	5	r.	r.	PROPN
easat-7654	349	6	hoque	hoque	PROPN
easat-7654	349	7	and	and	CCONJ
easat-7654	349	8	g.	g.	PROPN
easat-7654	349	9	sorwar	sorwar	PROPN
easat-7654	349	10	,	,	PUNCT
easat-7654	349	11	"	"	PUNCT
easat-7654	349	12	ict	ict	PROPN
easat-7654	349	13	based	base	VERB
easat-7654	349	14	e‐government	e‐government	PUNCT
easat-7654	349	15	services	service	NOUN
easat-7654	349	16	for	for	ADP
easat-7654	349	17	rural	rural	ADJ
easat-7654	349	18	development	development	NOUN
easat-7654	349	19	:	:	PUNCT
easat-7654	349	20	a	a	DET
easat-7654	349	21	study	study	NOUN
easat-7654	349	22	of	of	ADP
easat-7654	349	23	union	union	NOUN
easat-7654	349	24	information	information	NOUN
easat-7654	349	25	and	and	CCONJ
easat-7654	349	26	service	service	NOUN
easat-7654	349	27	center	center	NOUN
easat-7654	349	28	(	(	PUNCT
easat-7654	349	29	uisc	uisc	PROPN
easat-7654	349	30	)	)	PUNCT
easat-7654	349	31	in	in	ADP
easat-7654	349	32	bangladesh	bangladesh	NOUN
easat-7654	349	33	,	,	PUNCT
easat-7654	349	34	"	"	PUNCT
easat-7654	349	35	the	the	DET
easat-7654	349	36	electronic	electronic	ADJ
easat-7654	349	37	journal	journal	NOUN
easat-7654	349	38	of	of	ADP
easat-7654	349	39	information	information	NOUN
easat-7654	349	40	systems	system	NOUN
easat-7654	349	41	in	in	ADP
easat-7654	349	42	developing	develop	VERB
easat-7654	349	43	countries	country	NOUN
easat-7654	349	44	,	,	PUNCT
easat-7654	349	45	vol	vol	NOUN
easat-7654	349	46	.	.	PROPN
easat-7654	349	47	71	71	NUM
easat-7654	349	48	,	,	PUNCT
easat-7654	349	49	no	no	INTJ
easat-7654	349	50	.	.	NOUN
easat-7654	349	51	1	1	NUM
easat-7654	349	52	,	,	PUNCT
easat-7654	349	53	pp	pp	ADJ
easat-7654	349	54	.	.	PUNCT
easat-7654	350	1	1	1	NUM
easat-7654	350	2	-	-	SYM
easat-7654	350	3	19	19	NUM
easat-7654	350	4	,	,	PUNCT
easat-7654	350	5	2015	2015	NUM
easat-7654	350	6	.	.	PUNCT
easat-7654	351	1	[	[	X
easat-7654	351	2	37	37	NUM
easat-7654	351	3	]	]	X
easat-7654	351	4	i.	i.	PROPN
easat-7654	351	5	a.	a.	PROPN
easat-7654	351	6	muhammad	muhammad	PROPN
easat-7654	351	7	and	and	CCONJ
easat-7654	351	8	s.	s.	PROPN
easat-7654	351	9	ullah	ullah	PROPN
easat-7654	351	10	,	,	PUNCT
easat-7654	351	11	"	"	PUNCT
easat-7654	351	12	comparative	comparative	ADJ
easat-7654	351	13	analysis	analysis	NOUN
easat-7654	351	14	of	of	ADP
easat-7654	351	15	fintech	fintech	NOUN
easat-7654	351	16	adoption	adoption	NOUN
easat-7654	351	17	among	among	ADP
easat-7654	351	18	islamic	islamic	ADJ
easat-7654	351	19	and	and	CCONJ
easat-7654	351	20	conventional	conventional	ADJ
easat-7654	351	21	banking	banking	NOUN
easat-7654	351	22	users	user	NOUN
easat-7654	351	23	with	with	ADP
easat-7654	351	24	moderating	moderate	VERB
easat-7654	351	25	effect	effect	NOUN
easat-7654	351	26	of	of	ADP
easat-7654	351	27	education	education	NOUN
easat-7654	351	28	level	level	NOUN
easat-7654	351	29	:	:	PUNCT
easat-7654	351	30	a	a	DET
easat-7654	351	31	utaut2	utaut2	NOUN
easat-7654	351	32	perspective	perspective	NOUN
easat-7654	351	33	,	,	PUNCT
easat-7654	351	34	"	"	PUNCT
easat-7654	351	35	journal	journal	NOUN
easat-7654	351	36	of	of	ADP
easat-7654	351	37	open	open	ADJ
easat-7654	351	38	innovation	innovation	NOUN
easat-7654	351	39	:	:	PUNCT
easat-7654	351	40	technology	technology	NOUN
easat-7654	351	41	,	,	PUNCT
easat-7654	351	42	market	market	NOUN
easat-7654	351	43	,	,	PUNCT
easat-7654	351	44	and	and	CCONJ
easat-7654	351	45	complexity	complexity	NOUN
easat-7654	351	46	,	,	PUNCT
easat-7654	351	47	vol	vol	NOUN
easat-7654	351	48	.	.	PROPN
easat-7654	351	49	10	10	NUM
easat-7654	351	50	,	,	PUNCT
easat-7654	351	51	no	no	INTJ
easat-7654	351	52	.	.	NOUN
easat-7654	351	53	3	3	NUM
easat-7654	351	54	,	,	PUNCT
easat-7654	351	55	p.	p.	NOUN
easat-7654	351	56	100343	100343	NUM
easat-7654	351	57	,	,	PUNCT
easat-7654	351	58	2024	2024	NUM
easat-7654	351	59	.	.	PUNCT
easat-7654	352	1	https://doi.org/10.1016/j.joitmc.2024.100343	https://doi.org/10.1016/j.joitmc.2024.100343	NOUN
easat-7654	353	1	[	[	X
easat-7654	353	2	38	38	NUM
easat-7654	353	3	]	]	PUNCT
easat-7654	353	4	s.	s.	PROPN
easat-7654	353	5	oktafian	oktafian	PROPN
easat-7654	353	6	histori	histori	X
easat-7654	353	7	,	,	PUNCT
easat-7654	353	8	"	"	PUNCT
easat-7654	353	9	financial	financial	ADJ
easat-7654	353	10	literacy	literacy	NOUN
easat-7654	353	11	,	,	PUNCT
easat-7654	353	12	social	social	ADJ
easat-7654	353	13	influence	influence	NOUN
easat-7654	353	14	and	and	CCONJ
easat-7654	353	15	the	the	DET
easat-7654	353	16	use	use	NOUN
easat-7654	353	17	of	of	ADP
easat-7654	353	18	digital	digital	ADJ
easat-7654	353	19	payments	payment	NOUN
easat-7654	353	20	:	:	PUNCT
easat-7654	353	21	a	a	DET
easat-7654	353	22	literature	literature	NOUN
easat-7654	353	23	review	review	NOUN
easat-7654	353	24	,	,	PUNCT
easat-7654	353	25	"	"	PUNCT
easat-7654	353	26	in	in	ADP
easat-7654	353	27	in	in	ADP
easat-7654	353	28	proceeding	proceeding	NOUN
easat-7654	353	29	of	of	ADP
easat-7654	353	30	the	the	DET
easat-7654	353	31	international	international	ADJ
easat-7654	353	32	conference	conference	NOUN
easat-7654	353	33	on	on	ADP
easat-7654	353	34	economics	economic	NOUN
easat-7654	353	35	and	and	CCONJ
easat-7654	353	36	business	business	NOUN
easat-7654	353	37	(	(	PUNCT
easat-7654	353	38	vol	vol	NOUN
easat-7654	353	39	.	.	NOUN
easat-7654	353	40	1	1	NUM
easat-7654	353	41	,	,	PUNCT
easat-7654	353	42	no	no	INTJ
easat-7654	353	43	.	.	NOUN
easat-7654	353	44	2	2	NUM
easat-7654	353	45	,	,	PUNCT
easat-7654	353	46	pp	pp	ADJ
easat-7654	353	47	.	.	PUNCT
easat-7654	354	1	206	206	NUM
easat-7654	354	2	-	-	SYM
easat-7654	354	3	220	220	NUM
easat-7654	354	4	)	)	PUNCT
easat-7654	354	5	,	,	PUNCT
easat-7654	354	6	2022	2022	NUM
easat-7654	354	7	.	.	PUNCT
easat-7654	355	1	[	[	X
easat-7654	355	2	39	39	NUM
easat-7654	355	3	]	]	PUNCT
easat-7654	355	4	x.	x.	PROPN
easat-7654	355	5	luo	luo	PROPN
easat-7654	355	6	,	,	PUNCT
easat-7654	355	7	h.	h.	PROPN
easat-7654	355	8	li	li	PROPN
easat-7654	355	9	,	,	PUNCT
easat-7654	355	10	j.	j.	PROPN
easat-7654	355	11	zhang	zhang	PROPN
easat-7654	355	12	,	,	PUNCT
easat-7654	355	13	and	and	CCONJ
easat-7654	355	14	j.	j.	PROPN
easat-7654	355	15	p.	p.	PROPN
easat-7654	355	16	shim	shim	NOUN
easat-7654	355	17	,	,	PUNCT
easat-7654	355	18	"	"	PUNCT
easat-7654	355	19	examining	examine	VERB
easat-7654	355	20	multi	multi	ADJ
easat-7654	355	21	-	-	ADJ
easat-7654	355	22	dimensional	dimensional	ADJ
easat-7654	355	23	trust	trust	NOUN
easat-7654	355	24	and	and	CCONJ
easat-7654	355	25	multi	multi	ADJ
easat-7654	355	26	-	-	ADJ
easat-7654	355	27	faceted	faceted	ADJ
easat-7654	355	28	risk	risk	NOUN
easat-7654	355	29	in	in	ADP
easat-7654	355	30	initial	initial	ADJ
easat-7654	355	31	acceptance	acceptance	NOUN
easat-7654	355	32	of	of	ADP
easat-7654	355	33	emerging	emerge	VERB
easat-7654	355	34	technologies	technology	NOUN
easat-7654	355	35	:	:	PUNCT
easat-7654	355	36	an	an	DET
easat-7654	355	37	empirical	empirical	ADJ
easat-7654	355	38	study	study	NOUN
easat-7654	355	39	of	of	ADP
easat-7654	355	40	mobile	mobile	ADJ
easat-7654	355	41	banking	banking	NOUN
easat-7654	355	42	services	service	NOUN
easat-7654	355	43	,	,	PUNCT
easat-7654	355	44	"	"	PUNCT
easat-7654	355	45	decision	decision	NOUN
easat-7654	355	46	support	support	NOUN
easat-7654	355	47	systems	system	NOUN
easat-7654	355	48	,	,	PUNCT
easat-7654	355	49	vol	vol	NOUN
easat-7654	355	50	.	.	PROPN
easat-7654	355	51	49	49	NUM
easat-7654	355	52	,	,	PUNCT
easat-7654	355	53	no	no	INTJ
easat-7654	355	54	.	.	NOUN
easat-7654	355	55	2	2	NUM
easat-7654	355	56	,	,	PUNCT
easat-7654	355	57	pp	pp	ADJ
easat-7654	355	58	.	.	PUNCT
easat-7654	356	1	222	222	NUM
easat-7654	356	2	-	-	SYM
easat-7654	356	3	234	234	NUM
easat-7654	356	4	,	,	PUNCT
easat-7654	356	5	2010	2010	NUM
easat-7654	356	6	.	.	PUNCT
easat-7654	357	1	https://doi.org/10.1016/j.dss.2010.02.008	https://doi.org/10.1016/j.dss.2010.02.008	PROPN
easat-7654	358	1	[	[	X
easat-7654	358	2	40	40	NUM
easat-7654	358	3	]	]	X
easat-7654	358	4	sugiyono	sugiyono	NOUN
easat-7654	358	5	,	,	PUNCT
easat-7654	358	6	quantitative	quantitative	ADJ
easat-7654	358	7	research	research	NOUN
easat-7654	358	8	methods	method	NOUN
easat-7654	358	9	.	.	PUNCT
easat-7654	359	1	alfabeta	alfabeta	PROPN
easat-7654	359	2	cv	cv	PROPN
easat-7654	359	3	:	:	PUNCT
easat-7654	359	4	kualitatif	kualitatif	PROPN
easat-7654	359	5	,	,	PUNCT
easat-7654	359	6	dan	dan	PROPN
easat-7654	359	7	r&d	r&d	PROPN
easat-7654	359	8	.	.	PUNCT
easat-7654	360	1	bandung	bandung	PROPN
easat-7654	360	2	,	,	PUNCT
easat-7654	360	3	2016	2016	NUM
easat-7654	360	4	.	.	PUNCT
easat-7654	361	1	https://doi.org/10.26710/jafee.v6i2.1101	https://doi.org/10.26710/jafee.v6i2.1101	PRON
easat-7654	361	2	https://doi.org/10.1016/j.joitmc.2023.100027	https://doi.org/10.1016/j.joitmc.2023.100027	PROPN
easat-7654	361	3	https://doi.org/10.1016/j.techfore.2024.123599	https://doi.org/10.1016/j.techfore.2024.123599	PROPN
easat-7654	361	4	https://doi.org/10.1080/08956308.2019.1613123	https://doi.org/10.1080/08956308.2019.1613123	PROPN
easat-7654	362	1	https://www.bis.org/publ/cmtpubl.htm?m=5%7c28	https://www.bis.org/publ/cmtpubl.htm?m=5%7c28	PROPN
easat-7654	362	2	https://doi.org/10.1177/21582440241229570	https://doi.org/10.1177/21582440241229570	NOUN
easat-7654	362	3	https://doi.org/10.3390/info13070349	https://doi.org/10.3390/info13070349	NOUN
easat-7654	362	4	https://doi.org/10.1016/j.joitmc.2023.100010	https://doi.org/10.1016/j.joitmc.2023.100010	ADJ
easat-7654	362	5	https://doi.org/10.1016/j.im.2022.103686	https://doi.org/10.1016/j.im.2022.103686	ADJ
easat-7654	362	6	https://doi.org/10.1016/j.heliyon.2023.e20731	https://doi.org/10.1016/j.heliyon.2023.e20731	PROPN
easat-7654	362	7	https://doi.org/10.1016/j.joitmc.2024.100343	https://doi.org/10.1016/j.joitmc.2024.100343	PROPN
easat-7654	362	8	https://doi.org/10.1016/j.dss.2010.02.008	https://doi.org/10.1016/j.dss.2010.02.008	PROPN
easat-7654	362	9	3148	3148	NUM
easat-7654	362	10	edelweiss	edelweiss	PROPN
easat-7654	362	11	applied	apply	VERB
easat-7654	362	12	science	science	NOUN
easat-7654	362	13	and	and	CCONJ
easat-7654	362	14	technology	technology	NOUN
easat-7654	362	15	issn	issn	PROPN
easat-7654	362	16	:	:	PUNCT
easat-7654	362	17	2576	2576	NUM
easat-7654	362	18	-	-	SYM
easat-7654	362	19	8484	8484	NUM
easat-7654	362	20	vol	vol	NOUN
easat-7654	362	21	.	.	PROPN
easat-7654	363	1	9	9	NUM
easat-7654	363	2	,	,	PUNCT
easat-7654	363	3	no	no	INTJ
easat-7654	363	4	.	.	NOUN
easat-7654	363	5	5	5	NUM
easat-7654	363	6	:	:	SYM
easat-7654	363	7	3134	3134	NUM
easat-7654	363	8	-	-	SYM
easat-7654	363	9	3148	3148	NUM
easat-7654	363	10	,	,	PUNCT
easat-7654	363	11	2025	2025	NUM
easat-7654	363	12	doi	doi	NOUN
easat-7654	363	13	:	:	PUNCT
easat-7654	363	14	10.55214/25768484.v9i5.7654	10.55214/25768484.v9i5.7654	NUM
easat-7654	363	15	©	©	NOUN
easat-7654	363	16	2025	2025	NUM
easat-7654	363	17	by	by	ADP
easat-7654	363	18	the	the	DET
easat-7654	363	19	authors	author	NOUN
easat-7654	363	20	;	;	PUNCT
easat-7654	363	21	licensee	licensee	PROPN
easat-7654	363	22	learning	learning	NOUN
easat-7654	363	23	gate	gate	NOUN
easat-7654	364	1	[	[	X
easat-7654	364	2	41	41	NUM
easat-7654	364	3	]	]	X
easat-7654	364	4	n.	n.	PROPN
easat-7654	364	5	h.	h.	PROPN
easat-7654	364	6	chowdhury	chowdhury	PROPN
easat-7654	364	7	and	and	CCONJ
easat-7654	364	8	n.	n.	PROPN
easat-7654	364	9	hussain	hussain	PROPN
easat-7654	364	10	,	,	PUNCT
easat-7654	364	11	"	"	PUNCT
easat-7654	364	12	using	use	VERB
easat-7654	364	13	technology	technology	NOUN
easat-7654	364	14	acceptance	acceptance	NOUN
easat-7654	364	15	model	model	NOUN
easat-7654	364	16	for	for	ADP
easat-7654	364	17	acceptance	acceptance	NOUN
easat-7654	364	18	of	of	ADP
easat-7654	364	19	fintech	fintech	NOUN
easat-7654	364	20	in	in	ADP
easat-7654	364	21	bangladesh	bangladesh	NOUN
easat-7654	364	22	,	,	PUNCT
easat-7654	364	23	"	"	PUNCT
easat-7654	364	24	international	international	ADJ
easat-7654	364	25	journal	journal	NOUN
easat-7654	364	26	of	of	ADP
easat-7654	364	27	internet	internet	NOUN
easat-7654	364	28	technology	technology	NOUN
easat-7654	364	29	and	and	CCONJ
easat-7654	364	30	secured	secured	ADJ
easat-7654	364	31	transactions	transaction	NOUN
easat-7654	364	32	,	,	PUNCT
easat-7654	364	33	vol	vol	NOUN
easat-7654	364	34	.	.	PROPN
easat-7654	364	35	12	12	NUM
easat-7654	364	36	,	,	PUNCT
easat-7654	364	37	no	no	INTJ
easat-7654	364	38	.	.	NOUN
easat-7654	364	39	3	3	NUM
easat-7654	364	40	,	,	PUNCT
easat-7654	364	41	pp	pp	ADJ
easat-7654	364	42	.	.	PUNCT
easat-7654	365	1	250	250	NUM
easat-7654	365	2	-	-	SYM
easat-7654	365	3	264	264	NUM
easat-7654	365	4	,	,	PUNCT
easat-7654	365	5	2022	2022	NUM
easat-7654	365	6	.	.	PUNCT
easat-7654	366	1	[	[	X
easat-7654	366	2	42	42	NUM
easat-7654	366	3	]	]	PUNCT
easat-7654	366	4	p.	p.	NOUN
easat-7654	366	5	partovinia	partovinia	NOUN
easat-7654	366	6	and	and	CCONJ
easat-7654	366	7	n.	n.	PROPN
easat-7654	366	8	abbaspoor	abbaspoor	PROPN
easat-7654	366	9	,	,	PUNCT
easat-7654	366	10	"	"	PUNCT
easat-7654	366	11	the	the	DET
easat-7654	366	12	effect	effect	NOUN
easat-7654	366	13	of	of	ADP
easat-7654	366	14	the	the	DET
easat-7654	366	15	theory	theory	NOUN
easat-7654	366	16	of	of	ADP
easat-7654	366	17	acceptance	acceptance	NOUN
easat-7654	366	18	and	and	CCONJ
easat-7654	366	19	use	use	NOUN
easat-7654	366	20	of	of	ADP
easat-7654	366	21	augmented	augment	VERB
easat-7654	366	22	reality	reality	NOUN
easat-7654	366	23	on	on	ADP
easat-7654	366	24	the	the	DET
easat-7654	366	25	intention	intention	NOUN
easat-7654	366	26	to	to	PART
easat-7654	366	27	use	use	VERB
easat-7654	366	28	mobile	mobile	ADJ
easat-7654	366	29	tourism	tourism	NOUN
easat-7654	366	30	augmented	augment	VERB
easat-7654	366	31	reality	reality	NOUN
easat-7654	366	32	apps	app	NOUN
easat-7654	366	33	:	:	PUNCT
easat-7654	366	34	the	the	DET
easat-7654	366	35	mediating	mediate	VERB
easat-7654	366	36	role	role	NOUN
easat-7654	366	37	of	of	ADP
easat-7654	366	38	hedonic	hedonic	ADJ
easat-7654	366	39	motivation	motivation	NOUN
easat-7654	366	40	,	,	PUNCT
easat-7654	366	41	"	"	PUNCT
easat-7654	366	42	international	international	ADJ
easat-7654	366	43	journal	journal	NOUN
easat-7654	366	44	of	of	ADP
easat-7654	366	45	digital	digital	PROPN
easat-7654	366	46	content	content	NOUN
easat-7654	366	47	management	management	NOUN
easat-7654	366	48	,	,	PUNCT
easat-7654	366	49	vol	vol	NOUN
easat-7654	366	50	.	.	PROPN
easat-7654	366	51	5	5	NUM
easat-7654	366	52	,	,	PUNCT
easat-7654	366	53	no	no	INTJ
easat-7654	366	54	.	.	NOUN
easat-7654	366	55	9	9	NUM
easat-7654	366	56	,	,	PUNCT
easat-7654	366	57	pp	pp	ADJ
easat-7654	366	58	.	.	PUNCT
easat-7654	367	1	63	63	NUM
easat-7654	367	2	-	-	SYM
easat-7654	367	3	87	87	NUM
easat-7654	367	4	,	,	PUNCT
easat-7654	367	5	2024	2024	NUM
easat-7654	367	6	.	.	PUNCT
easat-7654	368	1	[	[	X
easat-7654	368	2	43	43	NUM
easat-7654	368	3	]	]	X
easat-7654	368	4	o.	o.	NOUN
easat-7654	368	5	turel	turel	PROPN
easat-7654	368	6	,	,	PUNCT
easat-7654	368	7	a.	a.	PROPN
easat-7654	368	8	serenko	serenko	PROPN
easat-7654	368	9	,	,	PUNCT
easat-7654	368	10	and	and	CCONJ
easat-7654	368	11	n.	n.	PROPN
easat-7654	368	12	bontis	bontis	PROPN
easat-7654	368	13	,	,	PUNCT
easat-7654	368	14	"	"	PUNCT
easat-7654	368	15	user	user	NOUN
easat-7654	368	16	acceptance	acceptance	NOUN
easat-7654	368	17	of	of	ADP
easat-7654	368	18	wireless	wireless	ADJ
easat-7654	368	19	short	short	ADJ
easat-7654	368	20	messaging	messaging	NOUN
easat-7654	368	21	services	service	NOUN
easat-7654	368	22	:	:	PUNCT
easat-7654	368	23	deconstructing	deconstruct	VERB
easat-7654	368	24	perceived	perceive	VERB
easat-7654	368	25	value	value	NOUN
easat-7654	368	26	,	,	PUNCT
easat-7654	368	27	"	"	PUNCT
easat-7654	368	28	information	information	NOUN
easat-7654	368	29	&	&	CCONJ
easat-7654	368	30	management	management	NOUN
easat-7654	368	31	,	,	PUNCT
easat-7654	368	32	vol	vol	NOUN
easat-7654	368	33	.	.	PROPN
easat-7654	368	34	44	44	NUM
easat-7654	368	35	,	,	PUNCT
easat-7654	368	36	no	no	INTJ
easat-7654	368	37	.	.	NOUN
easat-7654	368	38	1	1	NUM
easat-7654	368	39	,	,	PUNCT
easat-7654	368	40	pp	pp	ADJ
easat-7654	368	41	.	.	PUNCT
easat-7654	369	1	63	63	NUM
easat-7654	369	2	-	-	SYM
easat-7654	369	3	73	73	NUM
easat-7654	369	4	,	,	PUNCT
easat-7654	369	5	2007	2007	NUM
easat-7654	369	6	.	.	PUNCT
easat-7654	370	1	[	[	X
easat-7654	370	2	44	44	NUM
easat-7654	370	3	]	]	PUNCT
easat-7654	370	4	p.	p.	NOUN
easat-7654	370	5	m.	m.	NOUN
easat-7654	370	6	do	do	VERB
easat-7654	370	7	espírito	espírito	PROPN
easat-7654	370	8	santo	santo	PROPN
easat-7654	370	9	,	,	PUNCT
easat-7654	370	10	p.	p.	NOUN
easat-7654	370	11	a.	a.	NOUN
easat-7654	370	12	cardoso	cardoso	PROPN
easat-7654	370	13	,	,	PUNCT
easat-7654	370	14	and	and	CCONJ
easat-7654	370	15	a.	a.	NOUN
easat-7654	370	16	m.	m.	PROPN
easat-7654	370	17	a.	a.	PROPN
easat-7654	370	18	marques	marques	PROPN
easat-7654	370	19	,	,	PUNCT
easat-7654	370	20	"	"	PUNCT
easat-7654	370	21	antecedents	antecedent	NOUN
easat-7654	370	22	of	of	ADP
easat-7654	370	23	loyalty	loyalty	NOUN
easat-7654	370	24	in	in	ADP
easat-7654	370	25	online	online	ADJ
easat-7654	370	26	retail	retail	ADJ
easat-7654	370	27	stores	store	NOUN
easat-7654	370	28	in	in	ADP
easat-7654	370	29	customer	customer	NOUN
easat-7654	370	30	service	service	NOUN
easat-7654	370	31	in	in	ADP
easat-7654	370	32	perspectives	perspective	NOUN
easat-7654	370	33	on	on	ADP
easat-7654	370	34	design	design	NOUN
easat-7654	370	35	and	and	CCONJ
easat-7654	370	36	digital	digital	ADJ
easat-7654	370	37	communication	communication	NOUN
easat-7654	370	38	v	v	NOUN
easat-7654	370	39	:	:	PUNCT
easat-7654	370	40	research	research	NOUN
easat-7654	370	41	,	,	PUNCT
easat-7654	370	42	innovations	innovation	NOUN
easat-7654	370	43	and	and	CCONJ
easat-7654	370	44	best	good	ADJ
easat-7654	370	45	practices	practice	NOUN
easat-7654	370	46	.	.	PUNCT
easat-7654	370	47	"	"	PUNCT
easat-7654	371	1	cham	cham	NOUN
easat-7654	371	2	:	:	PUNCT
easat-7654	371	3	springer	springer	NOUN
easat-7654	371	4	nature	nature	PROPN
easat-7654	371	5	switzerland	switzerland	PROPN
easat-7654	371	6	,	,	PUNCT
easat-7654	371	7	2024	2024	NUM
easat-7654	371	8	,	,	PUNCT
easat-7654	371	9	pp	pp	ADV
easat-7654	371	10	.	.	PUNCT
easat-7654	372	1	345	345	NUM
easat-7654	372	2	-	-	SYM
easat-7654	372	3	358	358	NUM
easat-7654	372	4	.	.	PUNCT
easat-7654	373	1	[	[	X
easat-7654	373	2	45	45	NUM
easat-7654	373	3	]	]	PUNCT
easat-7654	373	4	t.	t.	PROPN
easat-7654	373	5	ravikumar	ravikumar	PROPN
easat-7654	373	6	,	,	PUNCT
easat-7654	373	7	b.	b.	PROPN
easat-7654	373	8	suresha	suresha	PROPN
easat-7654	373	9	,	,	PUNCT
easat-7654	373	10	n.	n.	PROPN
easat-7654	373	11	prakash	prakash	PROPN
easat-7654	373	12	,	,	PUNCT
easat-7654	373	13	k.	k.	PROPN
easat-7654	373	14	vazirani	vazirani	PROPN
easat-7654	373	15	,	,	PUNCT
easat-7654	373	16	and	and	CCONJ
easat-7654	373	17	t.	t.	PROPN
easat-7654	373	18	krishna	krishna	PROPN
easat-7654	373	19	,	,	PUNCT
easat-7654	373	20	"	"	PUNCT
easat-7654	373	21	digital	digital	ADJ
easat-7654	373	22	financial	financial	ADJ
easat-7654	373	23	literacy	literacy	NOUN
easat-7654	373	24	among	among	ADP
easat-7654	373	25	adults	adult	NOUN
easat-7654	373	26	in	in	ADP
easat-7654	373	27	india	india	PROPN
easat-7654	373	28	:	:	PUNCT
easat-7654	373	29	measurement	measurement	NOUN
easat-7654	373	30	and	and	CCONJ
easat-7654	373	31	validation	validation	NOUN
easat-7654	373	32	,	,	PUNCT
easat-7654	373	33	"	"	PUNCT
easat-7654	373	34	cogent	cogent	NOUN
easat-7654	373	35	economics	economic	NOUN
easat-7654	373	36	&	&	CCONJ
easat-7654	373	37	finance	finance	PROPN
easat-7654	373	38	,	,	PUNCT
easat-7654	373	39	vol	vol	NOUN
easat-7654	373	40	.	.	PROPN
easat-7654	373	41	10	10	NUM
easat-7654	373	42	,	,	PUNCT
easat-7654	373	43	no	no	INTJ
easat-7654	373	44	.	.	NOUN
easat-7654	373	45	1	1	NUM
easat-7654	373	46	,	,	PUNCT
easat-7654	373	47	p.	p.	NOUN
easat-7654	373	48	2132631	2132631	NUM
easat-7654	373	49	,	,	PUNCT
easat-7654	373	50	2022	2022	NUM
easat-7654	373	51	.	.	PUNCT
easat-7654	374	1	https://doi.org/10.1080/23322039.2022.2132631	https://doi.org/10.1080/23322039.2022.2132631	X
easat-7654	375	1	[	[	X
easat-7654	375	2	46	46	NUM
easat-7654	375	3	]	]	X
easat-7654	375	4	e.	e.	PROPN
easat-7654	375	5	roflin	roflin	PROPN
easat-7654	375	6	and	and	CCONJ
easat-7654	375	7	i.	i.	PROPN
easat-7654	375	8	a.	a.	PROPN
easat-7654	375	9	liberty	liberty	PROPN
easat-7654	375	10	,	,	PUNCT
easat-7654	375	11	population	population	NOUN
easat-7654	375	12	,	,	PUNCT
easat-7654	375	13	sample	sample	NOUN
easat-7654	375	14	,	,	PUNCT
easat-7654	375	15	variables	variable	NOUN
easat-7654	375	16	in	in	ADP
easat-7654	375	17	medical	medical	ADJ
easat-7654	375	18	research	research	NOUN
easat-7654	375	19	.	.	PUNCT
easat-7654	376	1	penerbit	penerbit	PROPN
easat-7654	376	2	nem	nem	PROPN
easat-7654	376	3	,	,	PUNCT
easat-7654	376	4	2021	2021	NUM
easat-7654	376	5	.	.	PUNCT
easat-7654	377	1	[	[	X
easat-7654	377	2	47	47	NUM
easat-7654	377	3	]	]	X
easat-7654	377	4	f.	f.	PROPN
easat-7654	377	5	hair	hair	PROPN
easat-7654	377	6	joseph	joseph	PROPN
easat-7654	377	7	and	and	CCONJ
easat-7654	377	8	g.	g.	PROPN
easat-7654	377	9	t.	t.	PROPN
easat-7654	377	10	m.	m.	PROPN
easat-7654	377	11	hult	hult	PROPN
easat-7654	377	12	,	,	PUNCT
easat-7654	377	13	"	"	PUNCT
easat-7654	377	14	an	an	DET
easat-7654	377	15	introduction	introduction	NOUN
easat-7654	377	16	to	to	ADP
easat-7654	377	17	structural	structural	ADJ
easat-7654	377	18	equation	equation	NOUN
easat-7654	377	19	modeling	modeling	NOUN
easat-7654	377	20	in	in	ADP
easat-7654	377	21	partial	partial	ADJ
easat-7654	377	22	least	least	ADJ
easat-7654	377	23	squares	square	NOUN
easat-7654	377	24	structural	structural	ADJ
easat-7654	377	25	equation	equation	NOUN
easat-7654	377	26	modeling	modeling	NOUN
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easat-7654	377	28	pls	pls	INTJ
easat-7654	377	29	-	-	PUNCT
easat-7654	377	30	sem	sem	NOUN
easat-7654	377	31	)	)	PUNCT
easat-7654	377	32	using	use	VERB
easat-7654	377	33	r	r	NOUN
easat-7654	377	34	:	:	PUNCT
easat-7654	377	35	a	a	DET
easat-7654	377	36	workbook	workbook	NOUN
easat-7654	377	37	.	.	PUNCT
easat-7654	377	38	"	"	PUNCT
easat-7654	377	39	cham	cham	PROPN
easat-7654	377	40	:	:	PUNCT
easat-7654	377	41	springer	springer	NOUN
easat-7654	377	42	international	international	ADJ
easat-7654	377	43	publishing	publishing	NOUN
easat-7654	377	44	,	,	PUNCT
easat-7654	377	45	2021	2021	NUM
easat-7654	377	46	,	,	PUNCT
easat-7654	377	47	pp	pp	ADV
easat-7654	377	48	.	.	PUNCT
easat-7654	378	1	1–29	1–29	PROPN
easat-7654	378	2	.	.	PUNCT
easat-7654	379	1	https://doi.org/10.1080/23322039.2022.2132631	https://doi.org/10.1080/23322039.2022.2132631	PROPN