id	sid	tid	token	lemma	pos
easat-9128	1	1	edelweiss	edelweiss	PROPN
easat-9128	1	2	applied	apply	VERB
easat-9128	1	3	science	science	NOUN
easat-9128	1	4	and	and	CCONJ
easat-9128	1	5	technology	technology	NOUN
easat-9128	1	6	issn	issn	PROPN
easat-9128	1	7	:	:	PUNCT
easat-9128	1	8	2576	2576	NUM
easat-9128	1	9	-	-	SYM
easat-9128	1	10	8484	8484	NUM
easat-9128	1	11	vol	vol	NOUN
easat-9128	1	12	.	.	PROPN
easat-9128	2	1	9	9	NUM
easat-9128	2	2	,	,	PUNCT
easat-9128	2	3	no	no	INTJ
easat-9128	2	4	.	.	NOUN
easat-9128	2	5	7	7	NUM
easat-9128	2	6	,	,	PUNCT
easat-9128	2	7	2129	2129	NUM
easat-9128	2	8	-	-	SYM
easat-9128	2	9	2138	2138	NUM
easat-9128	2	10	2025	2025	NUM
easat-9128	2	11	publisher	publisher	NOUN
easat-9128	2	12	:	:	PUNCT
easat-9128	2	13	learning	learn	VERB
easat-9128	2	14	gate	gate	NOUN
easat-9128	2	15	doi	doi	PROPN
easat-9128	2	16	:	:	PUNCT
easat-9128	2	17	10.55214/2576	10.55214/2576	NUM
easat-9128	2	18	-	-	PUNCT
easat-9128	2	19	8484.v9i7.9128	8484.v9i7.9128	NOUN
easat-9128	2	20	©	©	NOUN
easat-9128	2	21	2025	2025	NUM
easat-9128	2	22	by	by	ADP
easat-9128	2	23	the	the	DET
easat-9128	2	24	authors	author	NOUN
easat-9128	2	25	;	;	PUNCT
easat-9128	2	26	licensee	licensee	PROPN
easat-9128	2	27	learning	learning	NOUN
easat-9128	2	28	gate	gate	NOUN
easat-9128	3	1	©	©	PROPN
easat-9128	3	2	2025	2025	NUM
easat-9128	3	3	by	by	ADP
easat-9128	3	4	the	the	DET
easat-9128	3	5	authors	author	NOUN
easat-9128	3	6	;	;	PUNCT
easat-9128	3	7	licensee	licensee	PROPN
easat-9128	3	8	learning	learning	NOUN
easat-9128	3	9	gate	gate	NOUN
easat-9128	3	10	history	history	NOUN
easat-9128	3	11	:	:	PUNCT
easat-9128	3	12	received	receive	VERB
easat-9128	3	13	:	:	PUNCT
easat-9128	3	14	19	19	NUM
easat-9128	3	15	may	may	PROPN
easat-9128	3	16	2025	2025	NUM
easat-9128	3	17	;	;	PUNCT
easat-9128	3	18	revised	revise	VERB
easat-9128	3	19	:	:	PUNCT
easat-9128	3	20	3	3	NUM
easat-9128	3	21	july	july	NOUN
easat-9128	3	22	2025	2025	NUM
easat-9128	3	23	;	;	PUNCT
easat-9128	3	24	accepted	accept	VERB
easat-9128	3	25	:	:	PUNCT
easat-9128	3	26	7	7	NUM
easat-9128	3	27	july	july	NOUN
easat-9128	3	28	2025	2025	NUM
easat-9128	3	29	;	;	PUNCT
easat-9128	3	30	published	publish	VERB
easat-9128	3	31	:	:	PUNCT
easat-9128	3	32	28	28	NUM
easat-9128	3	33	july	july	PROPN
easat-9128	3	34	2025	2025	NUM
easat-9128	3	35	*	*	PUNCT
easat-9128	3	36	correspondence	correspondence	NOUN
easat-9128	3	37	:	:	PUNCT
easat-9128	3	38	nunungnurhayatife@unwir.ac.id	nunungnurhayatife@unwir.ac.id	ADJ
easat-9128	3	39	analysis	analysis	NOUN
easat-9128	3	40	of	of	ADP
easat-9128	3	41	the	the	DET
easat-9128	3	42	influence	influence	NOUN
easat-9128	3	43	of	of	ADP
easat-9128	3	44	financial	financial	ADJ
easat-9128	3	45	literacy	literacy	NOUN
easat-9128	3	46	on	on	ADP
easat-9128	3	47	investment	investment	NOUN
easat-9128	3	48	decisions	decision	NOUN
easat-9128	3	49	of	of	ADP
easat-9128	3	50	millennials	millennial	NOUN
easat-9128	3	51	and	and	CCONJ
easat-9128	3	52	gen	gen	PROPN
easat-9128	3	53	z	z	NOUN
easat-9128	3	54	in	in	ADP
easat-9128	3	55	the	the	DET
easat-9128	3	56	digital	digital	ADJ
easat-9128	3	57	era	era	NOUN
easat-9128	3	58	nunung	nunung	NOUN
easat-9128	3	59	nurhayati1	nurhayati1	PROPN
easat-9128	3	60	*	*	PROPN
easat-9128	3	61	,	,	PUNCT
easat-9128	3	62	kikin	kikin	PROPN
easat-9128	3	63	mutakin2	mutakin2	PROPN
easat-9128	3	64	,	,	PUNCT
easat-9128	3	65	caroline3	caroline3	PROPN
easat-9128	3	66	,	,	PUNCT
easat-9128	3	67	loso	loso	ADV
easat-9128	3	68	judijanto4	judijanto4	NOUN
easat-9128	3	69	1universitas	1universitas	NUM
easat-9128	3	70	wiralodra	wiralodra	NOUN
easat-9128	3	71	,	,	PUNCT
easat-9128	3	72	indramayu	indramayu	PROPN
easat-9128	3	73	,	,	PUNCT
easat-9128	3	74	indonesia	indonesia	PROPN
easat-9128	3	75	;	;	PUNCT
easat-9128	3	76	nunungnurhayatife@unwir.ac.id	nunungnurhayatife@unwir.ac.id	NOUN
easat-9128	3	77	(	(	PUNCT
easat-9128	3	78	n.n	n.n	PROPN
easat-9128	3	79	.	.	PROPN
easat-9128	3	80	)	)	PUNCT
easat-9128	3	81	.	.	PUNCT
easat-9128	4	1	2stai	2stai	NUM
easat-9128	4	2	putra	putra	PROPN
easat-9128	4	3	galuh	galuh	PROPN
easat-9128	4	4	ciamis	ciamis	PROPN
easat-9128	4	5	,	,	PUNCT
easat-9128	4	6	indonesia	indonesia	PROPN
easat-9128	4	7	.	.	PUNCT
easat-9128	5	1	3universitas	3universitas	NUM
easat-9128	5	2	sultan	sultan	PROPN
easat-9128	5	3	fatah	fatah	PROPN
easat-9128	5	4	,	,	PUNCT
easat-9128	5	5	demak	demak	PROPN
easat-9128	5	6	,	,	PUNCT
easat-9128	5	7	indonesia	indonesia	PROPN
easat-9128	5	8	.	.	PUNCT
easat-9128	6	1	4iposs	4iposs	NUM
easat-9128	6	2	jakarta	jakarta	PROPN
easat-9128	6	3	,	,	PUNCT
easat-9128	6	4	indonesia	indonesia	PROPN
easat-9128	6	5	.	.	PUNCT
easat-9128	7	1	abstract	abstract	PROPN
easat-9128	7	2	:	:	PUNCT
easat-9128	7	3	in	in	ADP
easat-9128	7	4	the	the	DET
easat-9128	7	5	digital	digital	ADJ
easat-9128	7	6	era	era	NOUN
easat-9128	7	7	,	,	PUNCT
easat-9128	7	8	the	the	DET
easat-9128	7	9	investment	investment	NOUN
easat-9128	7	10	landscape	landscape	NOUN
easat-9128	7	11	has	have	AUX
easat-9128	7	12	been	be	AUX
easat-9128	7	13	transformed	transform	VERB
easat-9128	7	14	by	by	ADP
easat-9128	7	15	the	the	DET
easat-9128	7	16	proliferation	proliferation	NOUN
easat-9128	7	17	of	of	ADP
easat-9128	7	18	online	online	ADJ
easat-9128	7	19	platforms	platform	NOUN
easat-9128	7	20	and	and	CCONJ
easat-9128	7	21	fintech	fintech	NOUN
easat-9128	7	22	solutions	solution	NOUN
easat-9128	7	23	,	,	PUNCT
easat-9128	7	24	creating	create	VERB
easat-9128	7	25	new	new	ADJ
easat-9128	7	26	opportunities	opportunity	NOUN
easat-9128	7	27	and	and	CCONJ
easat-9128	7	28	challenges	challenge	NOUN
easat-9128	7	29	for	for	ADP
easat-9128	7	30	younger	young	ADJ
easat-9128	7	31	generations	generation	NOUN
easat-9128	7	32	.	.	PUNCT
easat-9128	8	1	this	this	DET
easat-9128	8	2	study	study	NOUN
easat-9128	8	3	investigates	investigate	VERB
easat-9128	8	4	the	the	DET
easat-9128	8	5	influence	influence	NOUN
easat-9128	8	6	of	of	ADP
easat-9128	8	7	financial	financial	ADJ
easat-9128	8	8	literacy	literacy	NOUN
easat-9128	8	9	on	on	ADP
easat-9128	8	10	the	the	DET
easat-9128	8	11	investment	investment	NOUN
easat-9128	8	12	decisions	decision	NOUN
easat-9128	8	13	of	of	ADP
easat-9128	8	14	millennials	millennial	NOUN
easat-9128	8	15	and	and	CCONJ
easat-9128	8	16	gen	gen	PROPN
easat-9128	8	17	z	z	PROPN
easat-9128	8	18	,	,	PUNCT
easat-9128	8	19	two	two	NUM
easat-9128	8	20	cohorts	cohort	NOUN
easat-9128	8	21	that	that	PRON
easat-9128	8	22	are	be	AUX
easat-9128	8	23	increasingly	increasingly	ADV
easat-9128	8	24	participating	participate	VERB
easat-9128	8	25	in	in	ADP
easat-9128	8	26	financial	financial	ADJ
easat-9128	8	27	markets	market	NOUN
easat-9128	8	28	through	through	ADP
easat-9128	8	29	digital	digital	ADJ
easat-9128	8	30	channels	channel	NOUN
easat-9128	8	31	.	.	PUNCT
easat-9128	9	1	using	use	VERB
easat-9128	9	2	a	a	DET
easat-9128	9	3	mixed	mixed	ADJ
easat-9128	9	4	-	-	PUNCT
easat-9128	9	5	methods	method	NOUN
easat-9128	9	6	approach	approach	NOUN
easat-9128	9	7	,	,	PUNCT
easat-9128	9	8	we	we	PRON
easat-9128	9	9	combine	combine	VERB
easat-9128	9	10	quantitative	quantitative	ADJ
easat-9128	9	11	analysis	analysis	NOUN
easat-9128	9	12	from	from	ADP
easat-9128	9	13	surveys	survey	NOUN
easat-9128	9	14	conducted	conduct	VERB
easat-9128	9	15	with	with	ADP
easat-9128	9	16	600	600	NUM
easat-9128	9	17	individuals	individual	NOUN
easat-9128	9	18	across	across	ADP
easat-9128	9	19	these	these	DET
easat-9128	9	20	age	age	NOUN
easat-9128	9	21	groups	group	NOUN
easat-9128	9	22	with	with	ADP
easat-9128	9	23	qualitative	qualitative	ADJ
easat-9128	9	24	insights	insight	NOUN
easat-9128	9	25	gathered	gather	VERB
easat-9128	9	26	from	from	ADP
easat-9128	9	27	in	in	ADP
easat-9128	9	28	-	-	PUNCT
easat-9128	9	29	depth	depth	NOUN
easat-9128	9	30	interviews	interview	NOUN
easat-9128	9	31	.	.	PUNCT
easat-9128	10	1	the	the	DET
easat-9128	10	2	results	result	NOUN
easat-9128	10	3	show	show	VERB
easat-9128	10	4	that	that	SCONJ
easat-9128	10	5	financial	financial	ADJ
easat-9128	10	6	literacy	literacy	NOUN
easat-9128	10	7	significantly	significantly	ADV
easat-9128	10	8	affects	affect	VERB
easat-9128	10	9	investment	investment	NOUN
easat-9128	10	10	behavior	behavior	NOUN
easat-9128	10	11	,	,	PUNCT
easat-9128	10	12	with	with	ADP
easat-9128	10	13	those	those	PRON
easat-9128	10	14	possessing	possess	VERB
easat-9128	10	15	higher	high	ADJ
easat-9128	10	16	levels	level	NOUN
easat-9128	10	17	of	of	ADP
easat-9128	10	18	financial	financial	ADJ
easat-9128	10	19	knowledge	knowledge	NOUN
easat-9128	10	20	demonstrating	demonstrate	VERB
easat-9128	10	21	a	a	DET
easat-9128	10	22	more	more	ADV
easat-9128	10	23	strategic	strategic	ADJ
easat-9128	10	24	approach	approach	NOUN
easat-9128	10	25	to	to	ADP
easat-9128	10	26	portfolio	portfolio	NOUN
easat-9128	10	27	diversification	diversification	NOUN
easat-9128	10	28	,	,	PUNCT
easat-9128	10	29	risk	risk	NOUN
easat-9128	10	30	management	management	NOUN
easat-9128	10	31	,	,	PUNCT
easat-9128	10	32	and	and	CCONJ
easat-9128	10	33	long	long	ADJ
easat-9128	10	34	-	-	PUNCT
easat-9128	10	35	term	term	NOUN
easat-9128	10	36	financial	financial	ADJ
easat-9128	10	37	planning	planning	NOUN
easat-9128	10	38	.	.	PUNCT
easat-9128	11	1	furthermore	furthermore	ADV
easat-9128	11	2	,	,	PUNCT
easat-9128	11	3	the	the	DET
easat-9128	11	4	study	study	NOUN
easat-9128	11	5	finds	find	VERB
easat-9128	11	6	that	that	SCONJ
easat-9128	11	7	digital	digital	ADJ
easat-9128	11	8	tools	tool	NOUN
easat-9128	11	9	and	and	CCONJ
easat-9128	11	10	platforms	platform	NOUN
easat-9128	11	11	,	,	PUNCT
easat-9128	11	12	such	such	ADJ
easat-9128	11	13	as	as	ADP
easat-9128	11	14	robo	robo	NOUN
easat-9128	11	15	-	-	PUNCT
easat-9128	11	16	advisors	advisor	NOUN
easat-9128	11	17	,	,	PUNCT
easat-9128	11	18	investment	investment	NOUN
easat-9128	11	19	apps	app	NOUN
easat-9128	11	20	,	,	PUNCT
easat-9128	11	21	and	and	CCONJ
easat-9128	11	22	online	online	ADJ
easat-9128	11	23	trading	trading	NOUN
easat-9128	11	24	platforms	platform	NOUN
easat-9128	11	25	,	,	PUNCT
easat-9128	11	26	play	play	VERB
easat-9128	11	27	a	a	DET
easat-9128	11	28	crucial	crucial	ADJ
easat-9128	11	29	role	role	NOUN
easat-9128	11	30	in	in	ADP
easat-9128	11	31	shaping	shape	VERB
easat-9128	11	32	the	the	DET
easat-9128	11	33	investment	investment	NOUN
easat-9128	11	34	choices	choice	NOUN
easat-9128	11	35	of	of	ADP
easat-9128	11	36	millennials	millennial	NOUN
easat-9128	11	37	and	and	CCONJ
easat-9128	11	38	gen	gen	PROPN
easat-9128	11	39	z	z	PROPN
easat-9128	11	40	,	,	PUNCT
easat-9128	11	41	especially	especially	ADV
easat-9128	11	42	as	as	SCONJ
easat-9128	11	43	they	they	PRON
easat-9128	11	44	seek	seek	VERB
easat-9128	11	45	accessible	accessible	ADJ
easat-9128	11	46	,	,	PUNCT
easat-9128	11	47	low	low	ADJ
easat-9128	11	48	-	-	PUNCT
easat-9128	11	49	cost	cost	NOUN
easat-9128	11	50	options	option	NOUN
easat-9128	11	51	for	for	ADP
easat-9128	11	52	managing	manage	VERB
easat-9128	11	53	their	their	PRON
easat-9128	11	54	investments	investment	NOUN
easat-9128	11	55	.	.	PUNCT
easat-9128	12	1	key	key	ADJ
easat-9128	12	2	factors	factor	NOUN
easat-9128	12	3	influencing	influence	VERB
easat-9128	12	4	these	these	DET
easat-9128	12	5	investment	investment	NOUN
easat-9128	12	6	decisions	decision	NOUN
easat-9128	12	7	include	include	VERB
easat-9128	12	8	risk	risk	NOUN
easat-9128	12	9	tolerance	tolerance	NOUN
easat-9128	12	10	,	,	PUNCT
easat-9128	12	11	trust	trust	NOUN
easat-9128	12	12	in	in	ADP
easat-9128	12	13	digital	digital	ADJ
easat-9128	12	14	platforms	platform	NOUN
easat-9128	12	15	,	,	PUNCT
easat-9128	12	16	and	and	CCONJ
easat-9128	12	17	the	the	DET
easat-9128	12	18	impact	impact	NOUN
easat-9128	12	19	of	of	ADP
easat-9128	12	20	social	social	ADJ
easat-9128	12	21	media	medium	NOUN
easat-9128	12	22	influencers	influencer	NOUN
easat-9128	12	23	on	on	ADP
easat-9128	12	24	financial	financial	ADJ
easat-9128	12	25	decision	decision	NOUN
easat-9128	12	26	-	-	PUNCT
easat-9128	12	27	making	making	NOUN
easat-9128	12	28	.	.	PUNCT
easat-9128	13	1	the	the	DET
easat-9128	13	2	research	research	NOUN
easat-9128	13	3	highlights	highlight	VERB
easat-9128	13	4	the	the	DET
easat-9128	13	5	need	need	NOUN
easat-9128	13	6	for	for	ADP
easat-9128	13	7	targeted	target	VERB
easat-9128	13	8	financial	financial	ADJ
easat-9128	13	9	education	education	NOUN
easat-9128	13	10	programs	program	NOUN
easat-9128	13	11	that	that	PRON
easat-9128	13	12	can	can	AUX
easat-9128	13	13	enhance	enhance	VERB
easat-9128	13	14	financial	financial	ADJ
easat-9128	13	15	literacy	literacy	NOUN
easat-9128	13	16	,	,	PUNCT
easat-9128	13	17	improve	improve	VERB
easat-9128	13	18	investment	investment	NOUN
easat-9128	13	19	outcomes	outcome	NOUN
easat-9128	13	20	,	,	PUNCT
easat-9128	13	21	and	and	CCONJ
easat-9128	13	22	encourage	encourage	VERB
easat-9128	13	23	responsible	responsible	ADJ
easat-9128	13	24	investing	investing	NOUN
easat-9128	13	25	behaviors	behavior	NOUN
easat-9128	13	26	among	among	ADP
easat-9128	13	27	younger	young	ADJ
easat-9128	13	28	generations	generation	NOUN
easat-9128	13	29	.	.	PUNCT
easat-9128	14	1	these	these	DET
easat-9128	14	2	findings	finding	NOUN
easat-9128	14	3	provide	provide	VERB
easat-9128	14	4	valuable	valuable	ADJ
easat-9128	14	5	insights	insight	NOUN
easat-9128	14	6	for	for	ADP
easat-9128	14	7	policymakers	policymaker	NOUN
easat-9128	14	8	,	,	PUNCT
easat-9128	14	9	financial	financial	ADJ
easat-9128	14	10	institutions	institution	NOUN
easat-9128	14	11	,	,	PUNCT
easat-9128	14	12	and	and	CCONJ
easat-9128	14	13	educators	educator	NOUN
easat-9128	14	14	aiming	aim	VERB
easat-9128	14	15	to	to	PART
easat-9128	14	16	promote	promote	VERB
easat-9128	14	17	sustainable	sustainable	ADJ
easat-9128	14	18	financial	financial	ADJ
easat-9128	14	19	habits	habit	NOUN
easat-9128	14	20	and	and	CCONJ
easat-9128	14	21	improve	improve	VERB
easat-9128	14	22	the	the	DET
easat-9128	14	23	overall	overall	ADJ
easat-9128	14	24	financial	financial	ADJ
easat-9128	14	25	well	well	NOUN
easat-9128	14	26	-	-	PUNCT
easat-9128	14	27	being	being	NOUN
easat-9128	14	28	of	of	ADP
easat-9128	14	29	millennials	millennial	NOUN
easat-9128	14	30	and	and	CCONJ
easat-9128	14	31	gen	gen	PROPN
easat-9128	14	32	z	z	NOUN
easat-9128	14	33	in	in	ADP
easat-9128	14	34	the	the	DET
easat-9128	14	35	digital	digital	ADJ
easat-9128	14	36	age	age	NOUN
easat-9128	14	37	.	.	PUNCT
easat-9128	15	1	keywords	keyword	NOUN
easat-9128	15	2	:	:	PUNCT
easat-9128	15	3	digital	digital	ADJ
easat-9128	15	4	era	era	NOUN
easat-9128	15	5	,	,	PUNCT
easat-9128	15	6	financial	financial	ADJ
easat-9128	15	7	literacy	literacy	NOUN
easat-9128	15	8	,	,	PUNCT
easat-9128	15	9	gen	gen	PROPN
easat-9128	15	10	z	z	PROPN
easat-9128	15	11	,	,	PUNCT
easat-9128	15	12	investment	investment	NOUN
easat-9128	15	13	decisions	decision	NOUN
easat-9128	15	14	,	,	PUNCT
easat-9128	15	15	millennials	millennial	NOUN
easat-9128	15	16	.	.	PUNCT
easat-9128	16	1	1	1	X
easat-9128	16	2	.	.	X
easat-9128	16	3	introduction	introduction	NOUN
easat-9128	16	4	the	the	DET
easat-9128	16	5	rapid	rapid	ADJ
easat-9128	16	6	advancement	advancement	NOUN
easat-9128	16	7	of	of	ADP
easat-9128	16	8	digital	digital	ADJ
easat-9128	16	9	technologies	technology	NOUN
easat-9128	16	10	and	and	CCONJ
easat-9128	16	11	the	the	DET
easat-9128	16	12	increasing	increase	VERB
easat-9128	16	13	prevalence	prevalence	NOUN
easat-9128	16	14	of	of	ADP
easat-9128	16	15	online	online	ADJ
easat-9128	16	16	financial	financial	ADJ
easat-9128	16	17	platforms	platform	NOUN
easat-9128	16	18	have	have	AUX
easat-9128	16	19	profoundly	profoundly	ADV
easat-9128	16	20	transformed	transform	VERB
easat-9128	16	21	the	the	DET
easat-9128	16	22	way	way	NOUN
easat-9128	16	23	individuals	individual	NOUN
easat-9128	16	24	engage	engage	VERB
easat-9128	16	25	with	with	ADP
easat-9128	16	26	investment	investment	NOUN
easat-9128	16	27	markets	market	NOUN
easat-9128	16	28	[	[	X
easat-9128	16	29	1	1	NUM
easat-9128	16	30	]	]	PUNCT
easat-9128	16	31	.	.	PUNCT
easat-9128	17	1	for	for	ADP
easat-9128	17	2	younger	young	ADJ
easat-9128	17	3	generations	generation	NOUN
easat-9128	17	4	,	,	PUNCT
easat-9128	17	5	particularly	particularly	ADV
easat-9128	17	6	dimock	dimock	NOUN
easat-9128	17	7	[	[	X
easat-9128	17	8	2	2	NUM
easat-9128	17	9	]	]	PUNCT
easat-9128	17	10	these	these	DET
easat-9128	17	11	changes	change	NOUN
easat-9128	17	12	have	have	AUX
easat-9128	17	13	resulted	result	VERB
easat-9128	17	14	in	in	ADP
easat-9128	17	15	greater	great	ADJ
easat-9128	17	16	access	access	NOUN
easat-9128	17	17	to	to	ADP
easat-9128	17	18	investment	investment	NOUN
easat-9128	17	19	opportunities	opportunity	NOUN
easat-9128	17	20	,	,	PUNCT
easat-9128	17	21	previously	previously	ADV
easat-9128	17	22	limited	limit	VERB
easat-9128	17	23	to	to	ADP
easat-9128	17	24	more	more	ADV
easat-9128	17	25	experienced	experienced	ADJ
easat-9128	17	26	or	or	CCONJ
easat-9128	17	27	wealthier	wealthy	ADJ
easat-9128	17	28	individuals	individual	NOUN
easat-9128	17	29	.	.	PUNCT
easat-9128	18	1	digital	digital	ADJ
easat-9128	18	2	tools	tool	NOUN
easat-9128	18	3	such	such	ADJ
easat-9128	18	4	as	as	ADP
easat-9128	18	5	mobile	mobile	ADJ
easat-9128	18	6	investment	investment	NOUN
easat-9128	18	7	applications	application	NOUN
easat-9128	18	8	,	,	PUNCT
easat-9128	18	9	robo	robo	NOUN
easat-9128	18	10	-	-	PUNCT
easat-9128	18	11	advisors	advisor	NOUN
easat-9128	18	12	,	,	PUNCT
easat-9128	18	13	and	and	CCONJ
easat-9128	18	14	peer	peer	NOUN
easat-9128	18	15	-	-	PUNCT
easat-9128	18	16	to	to	ADP
easat-9128	18	17	-	-	PUNCT
easat-9128	18	18	peer	peer	NOUN
easat-9128	18	19	lending	lending	NOUN
easat-9128	18	20	platforms	platform	NOUN
easat-9128	18	21	have	have	AUX
easat-9128	18	22	democratized	democratize	VERB
easat-9128	18	23	financial	financial	ADJ
easat-9128	18	24	markets	market	NOUN
easat-9128	18	25	,	,	PUNCT
easat-9128	18	26	allowing	allow	VERB
easat-9128	18	27	younger	young	ADJ
easat-9128	18	28	investors	investor	NOUN
easat-9128	18	29	to	to	PART
easat-9128	18	30	manage	manage	VERB
easat-9128	18	31	their	their	PRON
easat-9128	18	32	portfolios	portfolio	NOUN
easat-9128	18	33	more	more	ADV
easat-9128	18	34	independently	independently	ADV
easat-9128	18	35	[	[	X
easat-9128	18	36	3	3	NUM
easat-9128	18	37	]	]	PUNCT
easat-9128	18	38	.	.	PUNCT
easat-9128	19	1	however	however	ADV
easat-9128	19	2	,	,	PUNCT
easat-9128	19	3	while	while	SCONJ
easat-9128	19	4	the	the	DET
easat-9128	19	5	growth	growth	NOUN
easat-9128	19	6	of	of	ADP
easat-9128	19	7	these	these	DET
easat-9128	19	8	platforms	platform	NOUN
easat-9128	19	9	is	be	AUX
easat-9128	19	10	undeniable	undeniable	ADJ
easat-9128	19	11	,	,	PUNCT
easat-9128	19	12	the	the	DET
easat-9128	19	13	question	question	NOUN
easat-9128	19	14	of	of	ADP
easat-9128	19	15	how	how	SCONJ
easat-9128	19	16	financial	financial	ADJ
easat-9128	19	17	literacy	literacy	NOUN
easat-9128	19	18	influences	influence	VERB
easat-9128	19	19	investment	investment	NOUN
easat-9128	19	20	decisions	decision	NOUN
easat-9128	19	21	remains	remain	VERB
easat-9128	19	22	a	a	DET
easat-9128	19	23	critical	critical	ADJ
easat-9128	19	24	issue	issue	NOUN
easat-9128	19	25	,	,	PUNCT
easat-9128	19	26	particularly	particularly	ADV
easat-9128	19	27	for	for	ADP
easat-9128	19	28	these	these	DET
easat-9128	19	29	techsavvy	techsavvy	NOUN
easat-9128	19	30	yet	yet	ADV
easat-9128	19	31	financially	financially	ADV
easat-9128	19	32	inexperienced	inexperienced	ADJ
easat-9128	19	33	cohorts	cohort	NOUN
easat-9128	19	34	.	.	PUNCT
easat-9128	20	1	financial	financial	ADJ
easat-9128	20	2	literacy	literacy	NOUN
easat-9128	20	3	refers	refer	VERB
easat-9128	20	4	to	to	ADP
easat-9128	20	5	an	an	DET
easat-9128	20	6	individual	individual	NOUN
easat-9128	20	7	's	's	PART
easat-9128	20	8	ability	ability	NOUN
easat-9128	20	9	to	to	PART
easat-9128	20	10	understand	understand	VERB
easat-9128	20	11	and	and	CCONJ
easat-9128	20	12	effectively	effectively	ADV
easat-9128	20	13	apply	apply	VERB
easat-9128	20	14	various	various	ADJ
easat-9128	20	15	financial	financial	ADJ
easat-9128	20	16	skills	skill	NOUN
easat-9128	20	17	,	,	PUNCT
easat-9128	20	18	including	include	VERB
easat-9128	20	19	personal	personal	ADJ
easat-9128	20	20	financial	financial	ADJ
easat-9128	20	21	management	management	NOUN
easat-9128	20	22	,	,	PUNCT
easat-9128	20	23	budgeting	budgeting	NOUN
easat-9128	20	24	,	,	PUNCT
easat-9128	20	25	and	and	CCONJ
easat-9128	20	26	investing	invest	VERB
easat-9128	20	27	[	[	X
easat-9128	20	28	4	4	NUM
easat-9128	20	29	]	]	PUNCT
easat-9128	20	30	.	.	PUNCT
easat-9128	21	1	it	it	PRON
easat-9128	21	2	encompasses	encompass	VERB
easat-9128	21	3	knowledge	knowledge	NOUN
easat-9128	21	4	of	of	ADP
easat-9128	21	5	financial	financial	ADJ
easat-9128	21	6	concepts	concept	NOUN
easat-9128	21	7	such	such	ADJ
easat-9128	21	8	as	as	ADP
easat-9128	21	9	compound	compound	NOUN
easat-9128	21	10	interest	interest	NOUN
easat-9128	21	11	,	,	PUNCT
easat-9128	21	12	inflation	inflation	NOUN
easat-9128	21	13	,	,	PUNCT
easat-9128	21	14	risk	risk	NOUN
easat-9128	21	15	diversification	diversification	NOUN
easat-9128	21	16	,	,	PUNCT
easat-9128	21	17	credit	credit	NOUN
easat-9128	21	18	management	management	NOUN
easat-9128	21	19	,	,	PUNCT
easat-9128	21	20	and	and	CCONJ
easat-9128	21	21	retirement	retirement	NOUN
easat-9128	21	22	planning	planning	NOUN
easat-9128	21	23	.	.	PUNCT
easat-9128	22	1	according	accord	VERB
easat-9128	22	2	to	to	ADP
easat-9128	22	3	the	the	DET
easat-9128	22	4	organization	organization	NOUN
easat-9128	22	5	for	for	ADP
easat-9128	22	6	economic	economic	ADJ
easat-9128	22	7	comailto:nunungnurhayatife@unwir.ac.id	comailto:nunungnurhayatife@unwir.ac.id	NOUN
easat-9128	22	8	2130	2130	NUM
easat-9128	22	9	edelweiss	edelweiss	PROPN
easat-9128	22	10	applied	apply	VERB
easat-9128	22	11	science	science	NOUN
easat-9128	22	12	and	and	CCONJ
easat-9128	22	13	technology	technology	NOUN
easat-9128	22	14	issn	issn	PROPN
easat-9128	22	15	:	:	PUNCT
easat-9128	22	16	2576	2576	NUM
easat-9128	22	17	-	-	SYM
easat-9128	22	18	8484	8484	NUM
easat-9128	22	19	vol	vol	NOUN
easat-9128	22	20	.	.	PROPN
easat-9128	22	21	9	9	NUM
easat-9128	22	22	,	,	PUNCT
easat-9128	22	23	no	no	INTJ
easat-9128	22	24	.	.	NOUN
easat-9128	22	25	7	7	NUM
easat-9128	22	26	:	:	SYM
easat-9128	22	27	2129	2129	NUM
easat-9128	22	28	-	-	SYM
easat-9128	22	29	2138	2138	NUM
easat-9128	22	30	,	,	PUNCT
easat-9128	22	31	2025	2025	NUM
easat-9128	22	32	doi	doi	NOUN
easat-9128	22	33	:	:	PUNCT
easat-9128	22	34	10.55214/2576	10.55214/2576	NUM
easat-9128	22	35	-	-	PUNCT
easat-9128	22	36	8484.v9i7.9128	8484.v9i7.9128	NOUN
easat-9128	22	37	©	©	NOUN
easat-9128	22	38	2025	2025	NUM
easat-9128	22	39	by	by	ADP
easat-9128	22	40	the	the	DET
easat-9128	22	41	authors	author	NOUN
easat-9128	22	42	;	;	PUNCT
easat-9128	22	43	licensee	licensee	PROPN
easat-9128	22	44	learning	learn	VERB
easat-9128	22	45	gate	gate	PROPN
easat-9128	22	46	operation	operation	NOUN
easat-9128	22	47	and	and	CCONJ
easat-9128	22	48	development	development	NOUN
easat-9128	22	49	(	(	PUNCT
easat-9128	22	50	oecd	oecd	PROPN
easat-9128	22	51	)	)	PUNCT
easat-9128	22	52	,	,	PUNCT
easat-9128	22	53	financial	financial	ADJ
easat-9128	22	54	literacy	literacy	NOUN
easat-9128	22	55	is	be	AUX
easat-9128	22	56	not	not	PART
easat-9128	22	57	limited	limit	VERB
easat-9128	22	58	to	to	ADP
easat-9128	22	59	knowledge	knowledge	NOUN
easat-9128	22	60	alone	alone	ADV
easat-9128	22	61	,	,	PUNCT
easat-9128	22	62	but	but	CCONJ
easat-9128	22	63	also	also	ADV
easat-9128	22	64	includes	include	VERB
easat-9128	22	65	behavior	behavior	NOUN
easat-9128	22	66	and	and	CCONJ
easat-9128	22	67	attitudes	attitude	NOUN
easat-9128	22	68	that	that	PRON
easat-9128	22	69	enable	enable	VERB
easat-9128	22	70	individuals	individual	NOUN
easat-9128	22	71	to	to	PART
easat-9128	22	72	make	make	VERB
easat-9128	22	73	informed	informed	ADJ
easat-9128	22	74	and	and	CCONJ
easat-9128	22	75	confident	confident	ADJ
easat-9128	22	76	financial	financial	ADJ
easat-9128	22	77	decisions	decision	NOUN
easat-9128	22	78	.	.	PUNCT
easat-9128	23	1	for	for	ADP
easat-9128	23	2	millennials	millennial	NOUN
easat-9128	23	3	and	and	CCONJ
easat-9128	23	4	gen	gen	PROPN
easat-9128	23	5	z	z	X
easat-9128	23	6	—	—	PUNCT
easat-9128	23	7	generations	generation	NOUN
easat-9128	23	8	that	that	PRON
easat-9128	23	9	face	face	VERB
easat-9128	23	10	complex	complex	ADJ
easat-9128	23	11	financial	financial	ADJ
easat-9128	23	12	products	product	NOUN
easat-9128	23	13	and	and	CCONJ
easat-9128	23	14	rapidly	rapidly	ADV
easat-9128	23	15	evolving	evolve	VERB
easat-9128	23	16	digital	digital	ADJ
easat-9128	23	17	platforms	platform	NOUN
easat-9128	23	18	—	—	PUNCT
easat-9128	23	19	financial	financial	ADJ
easat-9128	23	20	literacy	literacy	NOUN
easat-9128	23	21	is	be	AUX
easat-9128	23	22	an	an	DET
easat-9128	23	23	essential	essential	ADJ
easat-9128	23	24	competency	competency	NOUN
easat-9128	23	25	that	that	PRON
easat-9128	23	26	determines	determine	VERB
easat-9128	23	27	their	their	PRON
easat-9128	23	28	ability	ability	NOUN
easat-9128	23	29	to	to	PART
easat-9128	23	30	navigate	navigate	VERB
easat-9128	23	31	financial	financial	ADJ
easat-9128	23	32	markets	market	NOUN
easat-9128	23	33	and	and	CCONJ
easat-9128	23	34	secure	secure	VERB
easat-9128	23	35	long	long	ADJ
easat-9128	23	36	-	-	PUNCT
easat-9128	23	37	term	term	NOUN
easat-9128	23	38	financial	financial	ADJ
easat-9128	23	39	well	well	NOUN
easat-9128	23	40	-	-	PUNCT
easat-9128	23	41	being	be	AUX
easat-9128	23	42	[	[	X
easat-9128	23	43	5	5	NUM
easat-9128	23	44	,	,	PUNCT
easat-9128	23	45	6	6	NUM
easat-9128	23	46	]	]	PUNCT
easat-9128	23	47	.	.	PUNCT
easat-9128	24	1	a	a	DET
easat-9128	24	2	growing	grow	VERB
easat-9128	24	3	body	body	NOUN
easat-9128	24	4	of	of	ADP
easat-9128	24	5	research	research	NOUN
easat-9128	24	6	has	have	AUX
easat-9128	24	7	shown	show	VERB
easat-9128	24	8	that	that	SCONJ
easat-9128	24	9	higher	high	ADJ
easat-9128	24	10	levels	level	NOUN
easat-9128	24	11	of	of	ADP
easat-9128	24	12	financial	financial	ADJ
easat-9128	24	13	literacy	literacy	NOUN
easat-9128	24	14	are	be	AUX
easat-9128	24	15	positively	positively	ADV
easat-9128	24	16	correlated	correlate	VERB
easat-9128	24	17	with	with	ADP
easat-9128	24	18	prudent	prudent	ADJ
easat-9128	24	19	investment	investment	NOUN
easat-9128	24	20	behavior	behavior	NOUN
easat-9128	25	1	[	[	X
easat-9128	25	2	7	7	NUM
easat-9128	25	3	]	]	PUNCT
easat-9128	25	4	.	.	PUNCT
easat-9128	26	1	individuals	individual	NOUN
easat-9128	26	2	who	who	PRON
easat-9128	26	3	possess	possess	VERB
easat-9128	26	4	a	a	DET
easat-9128	26	5	strong	strong	ADJ
easat-9128	26	6	understanding	understanding	NOUN
easat-9128	26	7	of	of	ADP
easat-9128	26	8	basic	basic	ADJ
easat-9128	26	9	financial	financial	ADJ
easat-9128	26	10	principles	principle	NOUN
easat-9128	26	11	are	be	AUX
easat-9128	26	12	more	more	ADV
easat-9128	26	13	likely	likely	ADJ
easat-9128	26	14	to	to	PART
easat-9128	26	15	engage	engage	VERB
easat-9128	26	16	in	in	ADP
easat-9128	26	17	long	long	ADJ
easat-9128	26	18	-	-	PUNCT
easat-9128	26	19	term	term	NOUN
easat-9128	26	20	financial	financial	ADJ
easat-9128	26	21	planning	planning	NOUN
easat-9128	26	22	,	,	PUNCT
easat-9128	26	23	invest	invest	VERB
easat-9128	26	24	in	in	ADP
easat-9128	26	25	diversified	diversified	ADJ
easat-9128	26	26	portfolios	portfolio	NOUN
easat-9128	26	27	,	,	PUNCT
easat-9128	26	28	and	and	CCONJ
easat-9128	26	29	avoid	avoid	VERB
easat-9128	26	30	speculative	speculative	ADJ
easat-9128	26	31	or	or	CCONJ
easat-9128	26	32	impulsive	impulsive	ADJ
easat-9128	26	33	decisions	decision	NOUN
easat-9128	26	34	.	.	PUNCT
easat-9128	27	1	conversely	conversely	ADV
easat-9128	27	2	,	,	PUNCT
easat-9128	27	3	those	those	PRON
easat-9128	27	4	with	with	ADP
easat-9128	27	5	low	low	ADJ
easat-9128	27	6	financial	financial	ADJ
easat-9128	27	7	literacy	literacy	NOUN
easat-9128	27	8	are	be	AUX
easat-9128	27	9	often	often	ADV
easat-9128	27	10	vulnerable	vulnerable	ADJ
easat-9128	27	11	to	to	ADP
easat-9128	27	12	financial	financial	ADJ
easat-9128	27	13	misinformation	misinformation	NOUN
easat-9128	27	14	,	,	PUNCT
easat-9128	27	15	high	high	ADJ
easat-9128	27	16	-	-	PUNCT
easat-9128	27	17	interest	interest	NOUN
easat-9128	27	18	debt	debt	NOUN
easat-9128	27	19	traps	trap	NOUN
easat-9128	27	20	,	,	PUNCT
easat-9128	27	21	and	and	CCONJ
easat-9128	27	22	risky	risky	ADJ
easat-9128	27	23	investments	investment	NOUN
easat-9128	27	24	driven	drive	VERB
easat-9128	27	25	by	by	ADP
easat-9128	27	26	emotional	emotional	ADJ
easat-9128	27	27	or	or	CCONJ
easat-9128	27	28	peer	peer	NOUN
easat-9128	27	29	influence	influence	NOUN
easat-9128	27	30	[	[	X
easat-9128	27	31	8	8	NUM
easat-9128	27	32	]	]	PUNCT
easat-9128	27	33	.	.	PUNCT
easat-9128	28	1	a	a	DET
easat-9128	28	2	study	study	NOUN
easat-9128	28	3	by	by	ADP
easat-9128	28	4	lusardi	lusardi	PROPN
easat-9128	28	5	and	and	CCONJ
easat-9128	28	6	mitchell	mitchell	PROPN
easat-9128	28	7	[	[	X
easat-9128	28	8	9	9	NUM
easat-9128	28	9	]	]	PUNCT
easat-9128	28	10	revealed	reveal	VERB
easat-9128	28	11	that	that	SCONJ
easat-9128	28	12	financial	financial	ADJ
easat-9128	28	13	literacy	literacy	NOUN
easat-9128	28	14	directly	directly	ADV
easat-9128	28	15	influences	influence	VERB
easat-9128	28	16	individuals	individual	NOUN
easat-9128	28	17	’	'	PUNCT
easat-9128	28	18	capacity	capacity	NOUN
easat-9128	28	19	to	to	PART
easat-9128	28	20	assess	assess	VERB
easat-9128	28	21	risk	risk	NOUN
easat-9128	28	22	-	-	PUNCT
easat-9128	28	23	return	return	NOUN
easat-9128	28	24	trade	trade	NOUN
easat-9128	28	25	-	-	PUNCT
easat-9128	28	26	offs	off	NOUN
easat-9128	28	27	,	,	PUNCT
easat-9128	28	28	understand	understand	VERB
easat-9128	28	29	the	the	DET
easat-9128	28	30	implications	implication	NOUN
easat-9128	28	31	of	of	ADP
easat-9128	28	32	financial	financial	ADJ
easat-9128	28	33	decisions	decision	NOUN
easat-9128	28	34	,	,	PUNCT
easat-9128	28	35	and	and	CCONJ
easat-9128	28	36	adjust	adjust	VERB
easat-9128	28	37	their	their	PRON
easat-9128	28	38	strategies	strategy	NOUN
easat-9128	28	39	in	in	ADP
easat-9128	28	40	response	response	NOUN
easat-9128	28	41	to	to	ADP
easat-9128	28	42	economic	economic	ADJ
easat-9128	28	43	changes	change	NOUN
easat-9128	28	44	—	—	PUNCT
easat-9128	28	45	skills	skill	NOUN
easat-9128	28	46	that	that	PRON
easat-9128	28	47	are	be	AUX
easat-9128	28	48	increasingly	increasingly	ADV
easat-9128	28	49	vital	vital	ADJ
easat-9128	28	50	in	in	ADP
easat-9128	28	51	the	the	DET
easat-9128	28	52	digital	digital	ADJ
easat-9128	28	53	age	age	NOUN
easat-9128	28	54	where	where	SCONJ
easat-9128	28	55	financial	financial	ADJ
easat-9128	28	56	decisions	decision	NOUN
easat-9128	28	57	are	be	AUX
easat-9128	28	58	often	often	ADV
easat-9128	28	59	made	make	VERB
easat-9128	28	60	instantly	instantly	ADV
easat-9128	28	61	via	via	ADP
easat-9128	28	62	mobile	mobile	ADJ
easat-9128	28	63	apps	app	NOUN
easat-9128	29	1	[	[	X
easat-9128	29	2	9	9	NUM
easat-9128	29	3	]	]	PUNCT
easat-9128	29	4	.	.	PUNCT
easat-9128	30	1	furthermore	furthermore	ADV
easat-9128	30	2	,	,	PUNCT
easat-9128	30	3	in	in	ADP
easat-9128	30	4	the	the	DET
easat-9128	30	5	context	context	NOUN
easat-9128	30	6	of	of	ADP
easat-9128	30	7	millennials	millennial	NOUN
easat-9128	30	8	and	and	CCONJ
easat-9128	30	9	gen	gen	PROPN
easat-9128	30	10	z	z	PROPN
easat-9128	30	11	,	,	PUNCT
easat-9128	30	12	financial	financial	ADJ
easat-9128	30	13	literacy	literacy	NOUN
easat-9128	30	14	plays	play	VERB
easat-9128	30	15	a	a	DET
easat-9128	30	16	critical	critical	ADJ
easat-9128	30	17	role	role	NOUN
easat-9128	30	18	in	in	ADP
easat-9128	30	19	shaping	shape	VERB
easat-9128	30	20	attitudes	attitude	NOUN
easat-9128	30	21	toward	toward	ADP
easat-9128	30	22	saving	saving	NOUN
easat-9128	30	23	,	,	PUNCT
easat-9128	30	24	investing	investing	NOUN
easat-9128	30	25	,	,	PUNCT
easat-9128	30	26	and	and	CCONJ
easat-9128	30	27	wealth	wealth	NOUN
easat-9128	30	28	accumulation	accumulation	NOUN
easat-9128	30	29	[	[	X
easat-9128	30	30	10	10	NUM
easat-9128	30	31	]	]	PUNCT
easat-9128	30	32	.	.	PUNCT
easat-9128	31	1	these	these	DET
easat-9128	31	2	generations	generation	NOUN
easat-9128	31	3	are	be	AUX
easat-9128	31	4	exposed	expose	VERB
easat-9128	31	5	to	to	ADP
easat-9128	31	6	a	a	DET
easat-9128	31	7	financial	financial	ADJ
easat-9128	31	8	environment	environment	NOUN
easat-9128	31	9	characterized	characterize	VERB
easat-9128	31	10	by	by	ADP
easat-9128	31	11	volatile	volatile	ADJ
easat-9128	31	12	markets	market	NOUN
easat-9128	31	13	,	,	PUNCT
easat-9128	31	14	the	the	DET
easat-9128	31	15	rising	rise	VERB
easat-9128	31	16	cost	cost	NOUN
easat-9128	31	17	of	of	ADP
easat-9128	31	18	living	living	NOUN
easat-9128	31	19	,	,	PUNCT
easat-9128	31	20	gig	gig	NOUN
easat-9128	31	21	economy	economy	NOUN
easat-9128	31	22	employment	employment	NOUN
easat-9128	31	23	,	,	PUNCT
easat-9128	31	24	and	and	CCONJ
easat-9128	31	25	increasing	increase	VERB
easat-9128	31	26	student	student	NOUN
easat-9128	31	27	loan	loan	NOUN
easat-9128	31	28	burdens	burden	NOUN
easat-9128	31	29	.	.	PUNCT
easat-9128	32	1	without	without	ADP
easat-9128	32	2	a	a	DET
easat-9128	32	3	solid	solid	ADJ
easat-9128	32	4	foundation	foundation	NOUN
easat-9128	32	5	in	in	ADP
easat-9128	32	6	financial	financial	ADJ
easat-9128	32	7	literacy	literacy	NOUN
easat-9128	32	8	,	,	PUNCT
easat-9128	32	9	young	young	ADJ
easat-9128	32	10	investors	investor	NOUN
easat-9128	32	11	may	may	AUX
easat-9128	32	12	struggle	struggle	VERB
easat-9128	32	13	to	to	PART
easat-9128	32	14	build	build	VERB
easat-9128	32	15	emergency	emergency	NOUN
easat-9128	32	16	funds	fund	NOUN
easat-9128	32	17	,	,	PUNCT
easat-9128	32	18	plan	plan	NOUN
easat-9128	32	19	for	for	ADP
easat-9128	32	20	retirement	retirement	NOUN
easat-9128	32	21	,	,	PUNCT
easat-9128	32	22	or	or	CCONJ
easat-9128	32	23	resist	resist	VERB
easat-9128	32	24	the	the	DET
easat-9128	32	25	influence	influence	NOUN
easat-9128	32	26	of	of	ADP
easat-9128	32	27	trends	trend	NOUN
easat-9128	32	28	like	like	ADP
easat-9128	32	29	meme	meme	NOUN
easat-9128	32	30	stocks	stock	NOUN
easat-9128	32	31	and	and	CCONJ
easat-9128	32	32	cryptocurrency	cryptocurrency	NOUN
easat-9128	32	33	hype	hype	NOUN
easat-9128	32	34	.	.	PUNCT
easat-9128	33	1	data	datum	NOUN
easat-9128	33	2	from	from	ADP
easat-9128	33	3	the	the	DET
easat-9128	33	4	organisation	organisation	NOUN
easat-9128	33	5	for	for	ADP
easat-9128	33	6	economic	economic	ADJ
easat-9128	33	7	co	co	NOUN
easat-9128	33	8	-	-	NOUN
easat-9128	33	9	operation	operation	NOUN
easat-9128	33	10	and	and	CCONJ
easat-9128	33	11	development	development	NOUN
easat-9128	33	12	[	[	X
easat-9128	33	13	11	11	NUM
easat-9128	33	14	]	]	PUNCT
easat-9128	33	15	shows	show	VERB
easat-9128	33	16	that	that	SCONJ
easat-9128	33	17	only	only	ADV
easat-9128	33	18	33	33	NUM
easat-9128	33	19	%	%	NOUN
easat-9128	33	20	of	of	ADP
easat-9128	33	21	young	young	ADJ
easat-9128	33	22	adults	adult	NOUN
easat-9128	33	23	worldwide	worldwide	ADV
easat-9128	33	24	are	be	AUX
easat-9128	33	25	considered	consider	VERB
easat-9128	33	26	financially	financially	ADV
easat-9128	33	27	literate	literate	ADJ
easat-9128	33	28	,	,	PUNCT
easat-9128	33	29	highlighting	highlight	VERB
easat-9128	33	30	a	a	DET
easat-9128	33	31	significant	significant	ADJ
easat-9128	33	32	educational	educational	ADJ
easat-9128	33	33	gap	gap	NOUN
easat-9128	34	1	[	[	X
easat-9128	34	2	12	12	NUM
easat-9128	34	3	]	]	PUNCT
easat-9128	34	4	.	.	PUNCT
easat-9128	35	1	as	as	SCONJ
easat-9128	35	2	digital	digital	ADJ
easat-9128	35	3	financial	financial	ADJ
easat-9128	35	4	services	service	NOUN
easat-9128	35	5	become	become	VERB
easat-9128	35	6	more	more	ADV
easat-9128	35	7	accessible	accessible	ADJ
easat-9128	35	8	,	,	PUNCT
easat-9128	35	9	it	it	PRON
easat-9128	35	10	is	be	AUX
easat-9128	35	11	imperative	imperative	ADJ
easat-9128	35	12	to	to	PART
easat-9128	35	13	pair	pair	VERB
easat-9128	35	14	accessibility	accessibility	NOUN
easat-9128	35	15	with	with	ADP
easat-9128	35	16	education	education	NOUN
easat-9128	35	17	to	to	PART
easat-9128	35	18	empower	empower	VERB
easat-9128	35	19	young	young	ADJ
easat-9128	35	20	investors	investor	NOUN
easat-9128	35	21	to	to	PART
easat-9128	35	22	make	make	VERB
easat-9128	35	23	decisions	decision	NOUN
easat-9128	35	24	that	that	PRON
easat-9128	35	25	align	align	VERB
easat-9128	35	26	with	with	ADP
easat-9128	35	27	their	their	PRON
easat-9128	35	28	financial	financial	ADJ
easat-9128	35	29	goals	goal	NOUN
easat-9128	35	30	and	and	CCONJ
easat-9128	35	31	risk	risk	NOUN
easat-9128	35	32	profiles	profile	NOUN
easat-9128	35	33	[	[	X
easat-9128	35	34	13	13	NUM
easat-9128	35	35	]	]	PUNCT
easat-9128	35	36	.	.	PUNCT
easat-9128	36	1	financial	financial	ADJ
easat-9128	36	2	literacy	literacy	NOUN
easat-9128	36	3	,	,	PUNCT
easat-9128	36	4	which	which	PRON
easat-9128	36	5	encompasses	encompass	VERB
easat-9128	36	6	the	the	DET
easat-9128	36	7	understanding	understanding	NOUN
easat-9128	36	8	of	of	ADP
easat-9128	36	9	basic	basic	ADJ
easat-9128	36	10	financial	financial	ADJ
easat-9128	36	11	concepts	concept	NOUN
easat-9128	36	12	such	such	ADJ
easat-9128	36	13	as	as	ADP
easat-9128	36	14	budgeting	budgeting	NOUN
easat-9128	36	15	,	,	PUNCT
easat-9128	36	16	saving	saving	NOUN
easat-9128	36	17	,	,	PUNCT
easat-9128	36	18	investing	investing	NOUN
easat-9128	36	19	,	,	PUNCT
easat-9128	36	20	and	and	CCONJ
easat-9128	36	21	managing	manage	VERB
easat-9128	36	22	risk	risk	NOUN
easat-9128	36	23	,	,	PUNCT
easat-9128	36	24	plays	play	VERB
easat-9128	36	25	a	a	DET
easat-9128	36	26	crucial	crucial	ADJ
easat-9128	36	27	role	role	NOUN
easat-9128	36	28	in	in	ADP
easat-9128	36	29	shaping	shape	VERB
easat-9128	36	30	an	an	DET
easat-9128	36	31	individual	individual	NOUN
easat-9128	36	32	's	's	PART
easat-9128	36	33	investment	investment	NOUN
easat-9128	36	34	decisions	decision	NOUN
easat-9128	36	35	[	[	X
easat-9128	36	36	14	14	NUM
easat-9128	36	37	]	]	PUNCT
easat-9128	36	38	.	.	PUNCT
easat-9128	37	1	research	research	NOUN
easat-9128	37	2	has	have	AUX
easat-9128	37	3	shown	show	VERB
easat-9128	37	4	that	that	SCONJ
easat-9128	37	5	individuals	individual	NOUN
easat-9128	37	6	with	with	ADP
easat-9128	37	7	higher	high	ADJ
easat-9128	37	8	financial	financial	ADJ
easat-9128	37	9	literacy	literacy	NOUN
easat-9128	37	10	are	be	AUX
easat-9128	37	11	more	more	ADV
easat-9128	37	12	likely	likely	ADJ
easat-9128	37	13	to	to	PART
easat-9128	37	14	make	make	VERB
easat-9128	37	15	informed	informed	ADJ
easat-9128	37	16	and	and	CCONJ
easat-9128	37	17	strategic	strategic	ADJ
easat-9128	37	18	investment	investment	NOUN
easat-9128	37	19	choices	choice	NOUN
easat-9128	37	20	,	,	PUNCT
easat-9128	37	21	avoid	avoid	VERB
easat-9128	37	22	high	high	ADJ
easat-9128	37	23	-	-	PUNCT
easat-9128	37	24	risk	risk	NOUN
easat-9128	37	25	ventures	venture	NOUN
easat-9128	37	26	,	,	PUNCT
easat-9128	37	27	and	and	CCONJ
easat-9128	37	28	effectively	effectively	ADV
easat-9128	37	29	diversify	diversify	VERB
easat-9128	37	30	their	their	PRON
easat-9128	37	31	portfolios	portfolio	NOUN
easat-9128	37	32	.	.	PUNCT
easat-9128	38	1	conversely	conversely	ADV
easat-9128	38	2	,	,	PUNCT
easat-9128	38	3	those	those	PRON
easat-9128	38	4	with	with	ADP
easat-9128	38	5	limited	limited	ADJ
easat-9128	38	6	financial	financial	ADJ
easat-9128	38	7	knowledge	knowledge	NOUN
easat-9128	38	8	are	be	AUX
easat-9128	38	9	prone	prone	ADJ
easat-9128	38	10	to	to	ADP
easat-9128	38	11	making	make	VERB
easat-9128	38	12	suboptimal	suboptimal	ADJ
easat-9128	38	13	financial	financial	ADJ
easat-9128	38	14	decisions	decision	NOUN
easat-9128	38	15	,	,	PUNCT
easat-9128	38	16	often	often	ADV
easat-9128	38	17	driven	drive	VERB
easat-9128	38	18	by	by	ADP
easat-9128	38	19	short	short	ADJ
easat-9128	38	20	-	-	PUNCT
easat-9128	38	21	term	term	NOUN
easat-9128	38	22	trends	trend	NOUN
easat-9128	38	23	or	or	CCONJ
easat-9128	38	24	the	the	DET
easat-9128	38	25	influence	influence	NOUN
easat-9128	38	26	of	of	ADP
easat-9128	38	27	unverified	unverified	ADJ
easat-9128	38	28	sources	source	NOUN
easat-9128	38	29	,	,	PUNCT
easat-9128	38	30	such	such	ADJ
easat-9128	38	31	as	as	ADP
easat-9128	38	32	social	social	ADJ
easat-9128	38	33	media	medium	NOUN
easat-9128	38	34	influencers	influencer	NOUN
easat-9128	38	35	or	or	CCONJ
easat-9128	38	36	online	online	ADJ
easat-9128	38	37	forums	forum	NOUN
easat-9128	38	38	[	[	X
easat-9128	38	39	15	15	NUM
easat-9128	38	40	]	]	PUNCT
easat-9128	38	41	.	.	PUNCT
easat-9128	39	1	this	this	DET
easat-9128	39	2	phenomenon	phenomenon	NOUN
easat-9128	39	3	is	be	AUX
easat-9128	39	4	particularly	particularly	ADV
easat-9128	39	5	pertinent	pertinent	ADJ
easat-9128	39	6	to	to	ADP
easat-9128	39	7	millennials	millennial	NOUN
easat-9128	39	8	and	and	CCONJ
easat-9128	39	9	gen	gen	PROPN
easat-9128	39	10	z	z	PROPN
easat-9128	39	11	,	,	PUNCT
easat-9128	39	12	who	who	PRON
easat-9128	39	13	are	be	AUX
easat-9128	39	14	more	more	ADV
easat-9128	39	15	likely	likely	ADJ
easat-9128	39	16	to	to	PART
easat-9128	39	17	be	be	AUX
easat-9128	39	18	influenced	influence	VERB
easat-9128	39	19	by	by	ADP
easat-9128	39	20	digital	digital	ADJ
easat-9128	39	21	platforms	platform	NOUN
easat-9128	39	22	and	and	CCONJ
easat-9128	39	23	social	social	ADJ
easat-9128	39	24	media	medium	NOUN
easat-9128	39	25	in	in	ADP
easat-9128	39	26	their	their	PRON
easat-9128	39	27	financial	financial	ADJ
easat-9128	39	28	decision	decision	NOUN
easat-9128	39	29	-	-	PUNCT
easat-9128	39	30	making	make	VERB
easat-9128	39	31	processes	process	NOUN
easat-9128	39	32	.	.	PUNCT
easat-9128	40	1	the	the	DET
easat-9128	40	2	rise	rise	NOUN
easat-9128	40	3	of	of	ADP
easat-9128	40	4	digital	digital	ADJ
easat-9128	40	5	investment	investment	NOUN
easat-9128	40	6	tools	tool	NOUN
easat-9128	40	7	and	and	CCONJ
easat-9128	40	8	platforms	platform	NOUN
easat-9128	40	9	has	have	AUX
easat-9128	40	10	further	far	ADV
easat-9128	40	11	complicated	complicate	VERB
easat-9128	40	12	the	the	DET
easat-9128	40	13	landscape	landscape	NOUN
easat-9128	40	14	for	for	ADP
easat-9128	40	15	young	young	ADJ
easat-9128	40	16	investors	investor	NOUN
easat-9128	41	1	[	[	X
easat-9128	41	2	16	16	NUM
easat-9128	41	3	]	]	PUNCT
easat-9128	41	4	.	.	PUNCT
easat-9128	42	1	according	accord	VERB
easat-9128	42	2	to	to	ADP
easat-9128	42	3	a	a	DET
easat-9128	42	4	2021	2021	NUM
easat-9128	42	5	survey	survey	NOUN
easat-9128	42	6	by	by	ADP
easat-9128	42	7	the	the	DET
easat-9128	42	8	cfa	cfa	PROPN
easat-9128	42	9	institute	institute	PROPN
easat-9128	42	10	,	,	PUNCT
easat-9128	42	11	80	80	NUM
easat-9128	42	12	%	%	NOUN
easat-9128	42	13	of	of	ADP
easat-9128	42	14	millennials	millennial	NOUN
easat-9128	42	15	in	in	ADP
easat-9128	42	16	the	the	DET
easat-9128	42	17	united	united	PROPN
easat-9128	42	18	states	states	PROPN
easat-9128	42	19	reported	report	VERB
easat-9128	42	20	using	use	VERB
easat-9128	42	21	digital	digital	ADJ
easat-9128	42	22	platforms	platform	NOUN
easat-9128	42	23	for	for	ADP
easat-9128	42	24	investment	investment	NOUN
easat-9128	42	25	purposes	purpose	NOUN
easat-9128	42	26	,	,	PUNCT
easat-9128	42	27	with	with	ADP
easat-9128	42	28	a	a	DET
easat-9128	42	29	significant	significant	ADJ
easat-9128	42	30	portion	portion	NOUN
easat-9128	42	31	relying	rely	VERB
easat-9128	42	32	on	on	ADP
easat-9128	42	33	mobile	mobile	ADJ
easat-9128	42	34	apps	app	NOUN
easat-9128	42	35	and	and	CCONJ
easat-9128	42	36	robo	robo	NOUN
easat-9128	42	37	-	-	PUNCT
easat-9128	42	38	advisors	advisor	NOUN
easat-9128	42	39	.	.	PUNCT
easat-9128	43	1	in	in	ADP
easat-9128	43	2	the	the	DET
easat-9128	43	3	same	same	ADJ
easat-9128	43	4	study	study	NOUN
easat-9128	43	5	,	,	PUNCT
easat-9128	43	6	it	it	PRON
easat-9128	43	7	was	be	AUX
easat-9128	43	8	found	find	VERB
easat-9128	43	9	that	that	SCONJ
easat-9128	43	10	only	only	ADV
easat-9128	43	11	26	26	NUM
easat-9128	43	12	%	%	NOUN
easat-9128	43	13	of	of	ADP
easat-9128	43	14	millennials	millennial	NOUN
easat-9128	43	15	and	and	CCONJ
easat-9128	43	16	gen	gen	PROPN
easat-9128	43	17	z	z	NOUN
easat-9128	43	18	scored	score	VERB
easat-9128	43	19	high	high	ADV
easat-9128	43	20	on	on	ADP
easat-9128	43	21	financial	financial	ADJ
easat-9128	43	22	literacy	literacy	NOUN
easat-9128	43	23	assessments	assessment	NOUN
easat-9128	43	24	,	,	PUNCT
easat-9128	43	25	indicating	indicate	VERB
easat-9128	43	26	a	a	DET
easat-9128	43	27	significant	significant	ADJ
easat-9128	43	28	gap	gap	NOUN
easat-9128	43	29	between	between	ADP
easat-9128	43	30	their	their	PRON
easat-9128	43	31	access	access	NOUN
easat-9128	43	32	to	to	ADP
easat-9128	43	33	financial	financial	ADJ
easat-9128	43	34	tools	tool	NOUN
easat-9128	43	35	and	and	CCONJ
easat-9128	43	36	their	their	PRON
easat-9128	43	37	understanding	understanding	NOUN
easat-9128	43	38	of	of	ADP
easat-9128	43	39	how	how	SCONJ
easat-9128	43	40	to	to	PART
easat-9128	43	41	use	use	VERB
easat-9128	43	42	them	they	PRON
easat-9128	43	43	effectively	effectively	ADV
easat-9128	43	44	.	.	PUNCT
easat-9128	44	1	this	this	DET
easat-9128	44	2	disconnect	disconnect	NOUN
easat-9128	44	3	poses	pose	VERB
easat-9128	44	4	potential	potential	ADJ
easat-9128	44	5	risks	risk	NOUN
easat-9128	44	6	,	,	PUNCT
easat-9128	44	7	as	as	SCONJ
easat-9128	44	8	individuals	individual	NOUN
easat-9128	44	9	may	may	AUX
easat-9128	44	10	overestimate	overestimate	VERB
easat-9128	44	11	their	their	PRON
easat-9128	44	12	financial	financial	ADJ
easat-9128	44	13	competence	competence	NOUN
easat-9128	44	14	or	or	CCONJ
easat-9128	44	15	follow	follow	VERB
easat-9128	44	16	advice	advice	NOUN
easat-9128	44	17	from	from	ADP
easat-9128	44	18	unreliable	unreliable	ADJ
easat-9128	44	19	sources	source	NOUN
easat-9128	44	20	,	,	PUNCT
easat-9128	44	21	leading	lead	VERB
easat-9128	44	22	to	to	ADP
easat-9128	44	23	poor	poor	ADJ
easat-9128	44	24	investment	investment	NOUN
easat-9128	44	25	decisions	decision	NOUN
easat-9128	44	26	[	[	X
easat-9128	44	27	17	17	NUM
easat-9128	44	28	]	]	PUNCT
easat-9128	44	29	.	.	PUNCT
easat-9128	45	1	in	in	ADP
easat-9128	45	2	addition	addition	NOUN
easat-9128	45	3	to	to	ADP
easat-9128	45	4	the	the	DET
easat-9128	45	5	technological	technological	ADJ
easat-9128	45	6	aspects	aspect	NOUN
easat-9128	45	7	,	,	PUNCT
easat-9128	45	8	social	social	ADJ
easat-9128	45	9	factors	factor	NOUN
easat-9128	45	10	also	also	ADV
easat-9128	45	11	influence	influence	VERB
easat-9128	45	12	the	the	DET
easat-9128	45	13	investment	investment	NOUN
easat-9128	45	14	behavior	behavior	NOUN
easat-9128	45	15	of	of	ADP
easat-9128	45	16	millennials	millennial	NOUN
easat-9128	45	17	and	and	CCONJ
easat-9128	45	18	gen	gen	PROPN
easat-9128	45	19	z.	z.	PROPN
easat-9128	45	20	research	research	PROPN
easat-9128	45	21	from	from	ADP
easat-9128	45	22	the	the	DET
easat-9128	45	23	world	world	NOUN
easat-9128	45	24	economic	economic	ADJ
easat-9128	45	25	forum	forum	NOUN
easat-9128	45	26	[	[	X
easat-9128	45	27	18	18	NUM
easat-9128	45	28	]	]	PUNCT
easat-9128	45	29	highlighted	highlight	VERB
easat-9128	45	30	that	that	SCONJ
easat-9128	45	31	54	54	NUM
easat-9128	45	32	%	%	NOUN
easat-9128	45	33	of	of	ADP
easat-9128	45	34	millennials	millennial	NOUN
easat-9128	45	35	consider	consider	VERB
easat-9128	45	36	social	social	ADJ
easat-9128	45	37	media	medium	NOUN
easat-9128	45	38	influencers	influencer	VERB
easat-9128	45	39	a	a	DET
easat-9128	45	40	key	key	ADJ
easat-9128	45	41	source	source	NOUN
easat-9128	45	42	of	of	ADP
easat-9128	45	43	financial	financial	ADJ
easat-9128	45	44	advice	advice	NOUN
easat-9128	45	45	.	.	PUNCT
easat-9128	46	1	the	the	DET
easat-9128	46	2	power	power	NOUN
easat-9128	46	3	of	of	ADP
easat-9128	46	4	social	social	ADJ
easat-9128	46	5	media	medium	NOUN
easat-9128	46	6	platforms	platform	NOUN
easat-9128	46	7	like	like	ADP
easat-9128	46	8	tiktok	tiktok	NOUN
easat-9128	46	9	,	,	PUNCT
easat-9128	46	10	twitter	twitter	NOUN
easat-9128	46	11	,	,	PUNCT
easat-9128	46	12	and	and	CCONJ
easat-9128	46	13	instagram	instagram	PROPN
easat-9128	46	14	in	in	ADP
easat-9128	46	15	shaping	shape	VERB
easat-9128	46	16	financial	financial	ADJ
easat-9128	46	17	trends	trend	NOUN
easat-9128	46	18	is	be	AUX
easat-9128	46	19	evident	evident	ADJ
easat-9128	46	20	in	in	ADP
easat-9128	46	21	the	the	DET
easat-9128	46	22	rise	rise	NOUN
easat-9128	46	23	of	of	ADP
easat-9128	46	24	investment	investment	NOUN
easat-9128	46	25	communities	community	NOUN
easat-9128	46	26	such	such	ADJ
easat-9128	46	27	as	as	ADP
easat-9128	46	28	"	"	PUNCT
easat-9128	46	29	fintok	fintok	ADJ
easat-9128	46	30	,	,	PUNCT
easat-9128	46	31	"	"	PUNCT
easat-9128	46	32	where	where	SCONJ
easat-9128	46	33	users	user	NOUN
easat-9128	46	34	share	share	VERB
easat-9128	46	35	tips	tip	NOUN
easat-9128	46	36	and	and	CCONJ
easat-9128	46	37	strategies	strategy	NOUN
easat-9128	46	38	,	,	PUNCT
easat-9128	46	39	often	often	ADV
easat-9128	46	40	without	without	ADP
easat-9128	46	41	a	a	DET
easat-9128	46	42	comprehensive	comprehensive	ADJ
easat-9128	46	43	understanding	understanding	NOUN
easat-9128	46	44	of	of	ADP
easat-9128	46	45	the	the	DET
easat-9128	46	46	underlying	underlying	ADJ
easat-9128	46	47	financial	financial	ADJ
easat-9128	46	48	principles	principle	NOUN
easat-9128	46	49	[	[	X
easat-9128	46	50	19	19	NUM
easat-9128	46	51	]	]	PUNCT
easat-9128	46	52	.	.	PUNCT
easat-9128	47	1	this	this	DET
easat-9128	47	2	trend	trend	NOUN
easat-9128	47	3	emphasizes	emphasize	VERB
easat-9128	47	4	the	the	DET
easat-9128	47	5	need	need	NOUN
easat-9128	47	6	for	for	ADP
easat-9128	47	7	a	a	DET
easat-9128	47	8	deeper	deep	ADJ
easat-9128	47	9	understanding	understanding	NOUN
easat-9128	47	10	of	of	ADP
easat-9128	47	11	how	how	SCONJ
easat-9128	47	12	financial	financial	ADJ
easat-9128	47	13	literacy	literacy	NOUN
easat-9128	47	14	influences	influence	VERB
easat-9128	47	15	the	the	DET
easat-9128	47	16	ability	ability	NOUN
easat-9128	47	17	of	of	ADP
easat-9128	47	18	younger	young	ADJ
easat-9128	47	19	generations	generation	NOUN
easat-9128	47	20	to	to	PART
easat-9128	47	21	critically	critically	ADV
easat-9128	47	22	evaluate	evaluate	VERB
easat-9128	47	23	investment	investment	NOUN
easat-9128	47	24	advice	advice	NOUN
easat-9128	47	25	and	and	CCONJ
easat-9128	47	26	make	make	VERB
easat-9128	47	27	decisions	decision	NOUN
easat-9128	47	28	based	base	VERB
easat-9128	47	29	on	on	ADP
easat-9128	47	30	sound	sound	ADJ
easat-9128	47	31	financial	financial	ADJ
easat-9128	47	32	knowledge	knowledge	NOUN
easat-9128	47	33	rather	rather	ADV
easat-9128	47	34	2131	2131	NUM
easat-9128	47	35	edelweiss	edelweiss	PROPN
easat-9128	47	36	applied	apply	VERB
easat-9128	47	37	science	science	NOUN
easat-9128	47	38	and	and	CCONJ
easat-9128	47	39	technology	technology	NOUN
easat-9128	47	40	issn	issn	PROPN
easat-9128	47	41	:	:	PUNCT
easat-9128	47	42	2576	2576	NUM
easat-9128	47	43	-	-	SYM
easat-9128	47	44	8484	8484	NUM
easat-9128	47	45	vol	vol	NOUN
easat-9128	47	46	.	.	PROPN
easat-9128	48	1	9	9	NUM
easat-9128	48	2	,	,	PUNCT
easat-9128	48	3	no	no	INTJ
easat-9128	48	4	.	.	NOUN
easat-9128	48	5	7	7	NUM
easat-9128	48	6	:	:	SYM
easat-9128	48	7	2129	2129	NUM
easat-9128	48	8	-	-	SYM
easat-9128	48	9	2138	2138	NUM
easat-9128	48	10	,	,	PUNCT
easat-9128	48	11	2025	2025	NUM
easat-9128	48	12	doi	doi	NOUN
easat-9128	48	13	:	:	PUNCT
easat-9128	48	14	10.55214/2576	10.55214/2576	NUM
easat-9128	48	15	-	-	PUNCT
easat-9128	48	16	8484.v9i7.9128	8484.v9i7.9128	NOUN
easat-9128	48	17	©	©	NOUN
easat-9128	48	18	2025	2025	NUM
easat-9128	48	19	by	by	ADP
easat-9128	48	20	the	the	DET
easat-9128	48	21	authors	author	NOUN
easat-9128	48	22	;	;	PUNCT
easat-9128	48	23	licensee	licensee	PROPN
easat-9128	48	24	learning	learning	NOUN
easat-9128	48	25	gate	gate	NOUN
easat-9128	48	26	than	than	ADP
easat-9128	48	27	peer	peer	NOUN
easat-9128	48	28	pressure	pressure	NOUN
easat-9128	48	29	or	or	CCONJ
easat-9128	48	30	viral	viral	ADJ
easat-9128	48	31	trends	trend	NOUN
easat-9128	48	32	[	[	X
easat-9128	48	33	20	20	NUM
easat-9128	48	34	]	]	PUNCT
easat-9128	48	35	.	.	PUNCT
easat-9128	49	1	the	the	DET
easat-9128	49	2	digital	digital	ADJ
easat-9128	49	3	transformation	transformation	NOUN
easat-9128	49	4	of	of	ADP
easat-9128	49	5	the	the	DET
easat-9128	49	6	financial	financial	ADJ
easat-9128	49	7	industry	industry	NOUN
easat-9128	49	8	has	have	AUX
easat-9128	49	9	not	not	PART
easat-9128	49	10	only	only	ADV
easat-9128	49	11	influenced	influence	VERB
easat-9128	49	12	how	how	SCONJ
easat-9128	49	13	young	young	ADJ
easat-9128	49	14	people	people	NOUN
easat-9128	49	15	access	access	VERB
easat-9128	49	16	financial	financial	ADJ
easat-9128	49	17	services	service	NOUN
easat-9128	49	18	but	but	CCONJ
easat-9128	49	19	also	also	ADV
easat-9128	49	20	how	how	SCONJ
easat-9128	49	21	they	they	PRON
easat-9128	49	22	perceive	perceive	VERB
easat-9128	49	23	and	and	CCONJ
easat-9128	49	24	interact	interact	VERB
easat-9128	49	25	with	with	ADP
easat-9128	49	26	investment	investment	NOUN
easat-9128	49	27	products	product	NOUN
easat-9128	49	28	.	.	PUNCT
easat-9128	50	1	according	accord	VERB
easat-9128	50	2	to	to	ADP
easat-9128	50	3	data	datum	NOUN
easat-9128	50	4	from	from	ADP
easat-9128	50	5	the	the	DET
easat-9128	50	6	2020	2020	NUM
easat-9128	50	7	global	global	ADJ
easat-9128	50	8	fintech	fintech	NOUN
easat-9128	50	9	adoption	adoption	NOUN
easat-9128	50	10	index	index	NOUN
easat-9128	50	11	by	by	ADP
easat-9128	50	12	ey	ey	NOUN
easat-9128	50	13	,	,	PUNCT
easat-9128	50	14	over	over	ADP
easat-9128	50	15	64	64	NUM
easat-9128	50	16	%	%	NOUN
easat-9128	50	17	of	of	ADP
easat-9128	50	18	millennials	millennial	NOUN
easat-9128	50	19	and	and	CCONJ
easat-9128	50	20	gen	gen	PROPN
easat-9128	50	21	z	z	PROPN
easat-9128	50	22	have	have	AUX
easat-9128	50	23	used	use	VERB
easat-9128	50	24	a	a	DET
easat-9128	50	25	fintech	fintech	NOUN
easat-9128	50	26	product	product	NOUN
easat-9128	50	27	or	or	CCONJ
easat-9128	50	28	service	service	NOUN
easat-9128	50	29	,	,	PUNCT
easat-9128	50	30	compared	compare	VERB
easat-9128	50	31	to	to	ADP
easat-9128	50	32	just	just	ADV
easat-9128	50	33	32	32	NUM
easat-9128	50	34	%	%	NOUN
easat-9128	50	35	of	of	ADP
easat-9128	50	36	baby	baby	NOUN
easat-9128	50	37	boomers	boomer	NOUN
easat-9128	50	38	[	[	X
easat-9128	50	39	21	21	NUM
easat-9128	50	40	]	]	PUNCT
easat-9128	50	41	.	.	PUNCT
easat-9128	51	1	this	this	DET
easat-9128	51	2	high	high	ADJ
easat-9128	51	3	adoption	adoption	NOUN
easat-9128	51	4	rate	rate	NOUN
easat-9128	51	5	,	,	PUNCT
easat-9128	51	6	combined	combine	VERB
easat-9128	51	7	with	with	ADP
easat-9128	51	8	the	the	DET
easat-9128	51	9	proliferation	proliferation	NOUN
easat-9128	51	10	of	of	ADP
easat-9128	51	11	financial	financial	ADJ
easat-9128	51	12	literacy	literacy	NOUN
easat-9128	51	13	resources	resource	NOUN
easat-9128	51	14	online	online	ADV
easat-9128	51	15	,	,	PUNCT
easat-9128	51	16	underscores	underscore	VERB
easat-9128	51	17	the	the	DET
easat-9128	51	18	importance	importance	NOUN
easat-9128	51	19	of	of	ADP
easat-9128	51	20	integrating	integrate	VERB
easat-9128	51	21	financial	financial	ADJ
easat-9128	51	22	education	education	NOUN
easat-9128	51	23	into	into	ADP
easat-9128	51	24	digital	digital	ADJ
easat-9128	51	25	platforms	platform	NOUN
easat-9128	51	26	to	to	PART
easat-9128	51	27	enhance	enhance	VERB
easat-9128	51	28	users	user	NOUN
easat-9128	51	29	'	'	PART
easat-9128	51	30	investment	investment	NOUN
easat-9128	51	31	decision	decision	NOUN
easat-9128	51	32	-	-	PUNCT
easat-9128	51	33	making	make	VERB
easat-9128	51	34	capabilities	capability	NOUN
easat-9128	51	35	.	.	PUNCT
easat-9128	52	1	furthermore	furthermore	ADV
easat-9128	52	2	,	,	PUNCT
easat-9128	52	3	studies	study	NOUN
easat-9128	52	4	have	have	AUX
easat-9128	52	5	indicated	indicate	VERB
easat-9128	52	6	that	that	SCONJ
easat-9128	52	7	younger	young	ADJ
easat-9128	52	8	investors	investor	NOUN
easat-9128	52	9	tend	tend	VERB
easat-9128	52	10	to	to	PART
easat-9128	52	11	favor	favor	VERB
easat-9128	52	12	low	low	ADJ
easat-9128	52	13	-	-	PUNCT
easat-9128	52	14	cost	cost	NOUN
easat-9128	52	15	,	,	PUNCT
easat-9128	52	16	passive	passive	ADJ
easat-9128	52	17	investment	investment	NOUN
easat-9128	52	18	strategies	strategy	NOUN
easat-9128	52	19	,	,	PUNCT
easat-9128	52	20	such	such	ADJ
easat-9128	52	21	as	as	ADP
easat-9128	52	22	exchange	exchange	NOUN
easat-9128	52	23	-	-	PUNCT
easat-9128	52	24	traded	trade	VERB
easat-9128	52	25	funds	fund	NOUN
easat-9128	52	26	(	(	PUNCT
easat-9128	52	27	etfs	etfs	PROPN
easat-9128	52	28	)	)	PUNCT
easat-9128	52	29	and	and	CCONJ
easat-9128	52	30	index	index	NOUN
easat-9128	52	31	funds	fund	NOUN
easat-9128	52	32	,	,	PUNCT
easat-9128	52	33	often	often	ADV
easat-9128	52	34	due	due	ADP
easat-9128	52	35	to	to	ADP
easat-9128	52	36	their	their	PRON
easat-9128	52	37	familiarity	familiarity	NOUN
easat-9128	52	38	with	with	ADP
easat-9128	52	39	these	these	DET
easat-9128	52	40	products	product	NOUN
easat-9128	52	41	through	through	ADP
easat-9128	52	42	digital	digital	ADJ
easat-9128	52	43	platforms	platform	NOUN
easat-9128	53	1	[	[	X
easat-9128	53	2	22	22	NUM
easat-9128	53	3	]	]	PUNCT
easat-9128	53	4	.	.	PUNCT
easat-9128	54	1	however	however	ADV
easat-9128	54	2	,	,	PUNCT
easat-9128	54	3	the	the	DET
easat-9128	54	4	lack	lack	NOUN
easat-9128	54	5	of	of	ADP
easat-9128	54	6	comprehensive	comprehensive	ADJ
easat-9128	54	7	financial	financial	ADJ
easat-9128	54	8	knowledge	knowledge	NOUN
easat-9128	54	9	could	could	AUX
easat-9128	54	10	lead	lead	VERB
easat-9128	54	11	to	to	ADP
easat-9128	54	12	an	an	DET
easat-9128	54	13	overreliance	overreliance	NOUN
easat-9128	54	14	on	on	ADP
easat-9128	54	15	these	these	DET
easat-9128	54	16	products	product	NOUN
easat-9128	54	17	,	,	PUNCT
easat-9128	54	18	potentially	potentially	ADV
easat-9128	54	19	overlooking	overlook	VERB
easat-9128	54	20	more	more	ADV
easat-9128	54	21	suitable	suitable	ADJ
easat-9128	54	22	investment	investment	NOUN
easat-9128	54	23	opportunities	opportunity	NOUN
easat-9128	54	24	tailored	tailor	VERB
easat-9128	54	25	to	to	ADP
easat-9128	54	26	their	their	PRON
easat-9128	54	27	financial	financial	ADJ
easat-9128	54	28	goals	goal	NOUN
easat-9128	54	29	and	and	CCONJ
easat-9128	54	30	risk	risk	NOUN
easat-9128	54	31	profiles	profile	NOUN
easat-9128	54	32	.	.	PUNCT
easat-9128	55	1	this	this	DET
easat-9128	55	2	study	study	NOUN
easat-9128	55	3	aims	aim	VERB
easat-9128	55	4	to	to	PART
easat-9128	55	5	explore	explore	VERB
easat-9128	55	6	the	the	DET
easat-9128	55	7	influence	influence	NOUN
easat-9128	55	8	of	of	ADP
easat-9128	55	9	financial	financial	ADJ
easat-9128	55	10	literacy	literacy	NOUN
easat-9128	55	11	on	on	ADP
easat-9128	55	12	the	the	DET
easat-9128	55	13	investment	investment	NOUN
easat-9128	55	14	decisions	decision	NOUN
easat-9128	55	15	of	of	ADP
easat-9128	55	16	millennials	millennial	NOUN
easat-9128	55	17	and	and	CCONJ
easat-9128	55	18	gen	gen	PROPN
easat-9128	55	19	z	z	NOUN
easat-9128	55	20	in	in	ADP
easat-9128	55	21	the	the	DET
easat-9128	55	22	context	context	NOUN
easat-9128	55	23	of	of	ADP
easat-9128	55	24	the	the	DET
easat-9128	55	25	digital	digital	ADJ
easat-9128	55	26	era	era	NOUN
easat-9128	55	27	[	[	X
easat-9128	55	28	23	23	NUM
easat-9128	55	29	]	]	PUNCT
easat-9128	55	30	.	.	PUNCT
easat-9128	56	1	by	by	ADP
easat-9128	56	2	examining	examine	VERB
easat-9128	56	3	how	how	SCONJ
easat-9128	56	4	financial	financial	ADJ
easat-9128	56	5	knowledge	knowledge	NOUN
easat-9128	56	6	intersects	intersect	NOUN
easat-9128	56	7	with	with	ADP
easat-9128	56	8	the	the	DET
easat-9128	56	9	increasing	increase	VERB
easat-9128	56	10	use	use	NOUN
easat-9128	56	11	of	of	ADP
easat-9128	56	12	digital	digital	ADJ
easat-9128	56	13	investment	investment	NOUN
easat-9128	56	14	platforms	platform	NOUN
easat-9128	56	15	,	,	PUNCT
easat-9128	56	16	this	this	DET
easat-9128	56	17	research	research	NOUN
easat-9128	56	18	provides	provide	VERB
easat-9128	56	19	insights	insight	NOUN
easat-9128	56	20	into	into	ADP
easat-9128	56	21	the	the	DET
easat-9128	56	22	behaviors	behavior	NOUN
easat-9128	56	23	,	,	PUNCT
easat-9128	56	24	preferences	preference	NOUN
easat-9128	56	25	,	,	PUNCT
easat-9128	56	26	and	and	CCONJ
easat-9128	56	27	challenges	challenge	NOUN
easat-9128	56	28	that	that	PRON
easat-9128	56	29	younger	young	ADJ
easat-9128	56	30	generations	generation	NOUN
easat-9128	56	31	face	face	VERB
easat-9128	56	32	when	when	SCONJ
easat-9128	56	33	making	make	VERB
easat-9128	56	34	investment	investment	NOUN
easat-9128	56	35	choices	choice	NOUN
easat-9128	56	36	.	.	PUNCT
easat-9128	57	1	given	give	VERB
easat-9128	57	2	the	the	DET
easat-9128	57	3	rapid	rapid	ADJ
easat-9128	57	4	changes	change	NOUN
easat-9128	57	5	in	in	ADP
easat-9128	57	6	the	the	DET
easat-9128	57	7	financial	financial	ADJ
easat-9128	57	8	landscape	landscape	NOUN
easat-9128	57	9	and	and	CCONJ
easat-9128	57	10	the	the	DET
easat-9128	57	11	central	central	ADJ
easat-9128	57	12	role	role	NOUN
easat-9128	57	13	of	of	ADP
easat-9128	57	14	digital	digital	ADJ
easat-9128	57	15	platforms	platform	NOUN
easat-9128	57	16	in	in	ADP
easat-9128	57	17	shaping	shape	VERB
easat-9128	57	18	investment	investment	NOUN
easat-9128	57	19	habits	habit	NOUN
easat-9128	57	20	,	,	PUNCT
easat-9128	57	21	this	this	DET
easat-9128	57	22	study	study	NOUN
easat-9128	57	23	also	also	ADV
easat-9128	57	24	seeks	seek	VERB
easat-9128	57	25	to	to	PART
easat-9128	57	26	identify	identify	VERB
easat-9128	57	27	ways	way	NOUN
easat-9128	57	28	to	to	PART
easat-9128	57	29	enhance	enhance	VERB
easat-9128	57	30	financial	financial	ADJ
easat-9128	57	31	literacy	literacy	NOUN
easat-9128	57	32	among	among	ADP
easat-9128	57	33	these	these	DET
easat-9128	57	34	cohorts	cohort	NOUN
easat-9128	57	35	.	.	PUNCT
easat-9128	58	1	improving	improve	VERB
easat-9128	58	2	financial	financial	ADJ
easat-9128	58	3	literacy	literacy	NOUN
easat-9128	58	4	can	can	AUX
easat-9128	58	5	help	help	VERB
easat-9128	58	6	mitigate	mitigate	VERB
easat-9128	58	7	the	the	DET
easat-9128	58	8	risks	risk	NOUN
easat-9128	58	9	of	of	ADP
easat-9128	58	10	poor	poor	ADJ
easat-9128	58	11	investment	investment	NOUN
easat-9128	58	12	decisions	decision	NOUN
easat-9128	58	13	and	and	CCONJ
easat-9128	58	14	foster	foster	VERB
easat-9128	58	15	more	more	ADV
easat-9128	58	16	responsible	responsible	ADJ
easat-9128	58	17	,	,	PUNCT
easat-9128	58	18	informed	informed	ADJ
easat-9128	58	19	investing	investing	NOUN
easat-9128	58	20	behaviors	behavior	NOUN
easat-9128	58	21	,	,	PUNCT
easat-9128	58	22	which	which	PRON
easat-9128	58	23	are	be	AUX
easat-9128	58	24	essential	essential	ADJ
easat-9128	58	25	for	for	ADP
easat-9128	58	26	long	long	ADJ
easat-9128	58	27	-	-	PUNCT
easat-9128	58	28	term	term	NOUN
easat-9128	58	29	financial	financial	ADJ
easat-9128	58	30	wellbeing	wellbeing	NOUN
easat-9128	58	31	[	[	X
easat-9128	58	32	24	24	NUM
easat-9128	58	33	]	]	PUNCT
easat-9128	58	34	.	.	PUNCT
easat-9128	59	1	the	the	DET
easat-9128	59	2	importance	importance	NOUN
easat-9128	59	3	of	of	ADP
easat-9128	59	4	this	this	DET
easat-9128	59	5	research	research	NOUN
easat-9128	59	6	is	be	AUX
easat-9128	59	7	further	far	ADV
easat-9128	59	8	highlighted	highlight	VERB
easat-9128	59	9	by	by	ADP
easat-9128	59	10	the	the	DET
easat-9128	59	11	increasing	increase	VERB
easat-9128	59	12	financial	financial	ADJ
easat-9128	59	13	responsibility	responsibility	NOUN
easat-9128	59	14	that	that	SCONJ
easat-9128	59	15	millennials	millennial	NOUN
easat-9128	59	16	and	and	CCONJ
easat-9128	59	17	gen	gen	PROPN
easat-9128	59	18	z	z	NOUN
easat-9128	59	19	are	be	AUX
easat-9128	59	20	expected	expect	VERB
easat-9128	59	21	to	to	PART
easat-9128	59	22	bear	bear	VERB
easat-9128	59	23	in	in	ADP
easat-9128	59	24	the	the	DET
easat-9128	59	25	coming	come	VERB
easat-9128	59	26	years	year	NOUN
easat-9128	60	1	[	[	X
easat-9128	60	2	25	25	NUM
easat-9128	60	3	]	]	PUNCT
easat-9128	60	4	.	.	PUNCT
easat-9128	61	1	as	as	SCONJ
easat-9128	61	2	they	they	PRON
easat-9128	61	3	inherit	inherit	VERB
easat-9128	61	4	wealth	wealth	NOUN
easat-9128	61	5	and	and	CCONJ
easat-9128	61	6	assume	assume	VERB
easat-9128	61	7	greater	great	ADJ
easat-9128	61	8	roles	role	NOUN
easat-9128	61	9	in	in	ADP
easat-9128	61	10	the	the	DET
easat-9128	61	11	global	global	ADJ
easat-9128	61	12	economy	economy	NOUN
easat-9128	61	13	,	,	PUNCT
easat-9128	61	14	their	their	PRON
easat-9128	61	15	financial	financial	ADJ
easat-9128	61	16	decisions	decision	NOUN
easat-9128	61	17	will	will	AUX
easat-9128	61	18	significantly	significantly	ADV
easat-9128	61	19	impact	impact	VERB
easat-9128	61	20	economic	economic	ADJ
easat-9128	61	21	growth	growth	NOUN
easat-9128	61	22	,	,	PUNCT
easat-9128	61	23	wealth	wealth	NOUN
easat-9128	61	24	distribution	distribution	NOUN
easat-9128	61	25	,	,	PUNCT
easat-9128	61	26	and	and	CCONJ
easat-9128	61	27	overall	overall	ADJ
easat-9128	61	28	financial	financial	ADJ
easat-9128	61	29	stability	stability	NOUN
easat-9128	61	30	.	.	PUNCT
easat-9128	62	1	moreover	moreover	ADV
easat-9128	62	2	,	,	PUNCT
easat-9128	62	3	millennials	millennial	NOUN
easat-9128	62	4	and	and	CCONJ
easat-9128	62	5	gen	gen	PROPN
easat-9128	62	6	z	z	PROPN
easat-9128	62	7	represent	represent	VERB
easat-9128	62	8	a	a	DET
easat-9128	62	9	growing	grow	VERB
easat-9128	62	10	share	share	NOUN
easat-9128	62	11	of	of	ADP
easat-9128	62	12	the	the	DET
easat-9128	62	13	investor	investor	NOUN
easat-9128	62	14	base	base	NOUN
easat-9128	62	15	,	,	PUNCT
easat-9128	62	16	with	with	ADP
easat-9128	62	17	estimates	estimate	NOUN
easat-9128	62	18	suggesting	suggest	VERB
easat-9128	62	19	that	that	SCONJ
easat-9128	62	20	by	by	ADP
easat-9128	62	21	2030	2030	NUM
easat-9128	62	22	,	,	PUNCT
easat-9128	62	23	millennials	millennial	NOUN
easat-9128	62	24	will	will	AUX
easat-9128	62	25	control	control	VERB
easat-9128	62	26	over	over	ADP
easat-9128	62	27	$	$	SYM
easat-9128	62	28	20	20	NUM
easat-9128	62	29	trillion	trillion	NUM
easat-9128	62	30	in	in	ADP
easat-9128	62	31	assets	asset	NOUN
easat-9128	62	32	.	.	PUNCT
easat-9128	63	1	thus	thus	ADV
easat-9128	63	2	,	,	PUNCT
easat-9128	63	3	understanding	understand	VERB
easat-9128	63	4	the	the	DET
easat-9128	63	5	role	role	NOUN
easat-9128	63	6	of	of	ADP
easat-9128	63	7	financial	financial	ADJ
easat-9128	63	8	literacy	literacy	NOUN
easat-9128	63	9	in	in	ADP
easat-9128	63	10	shaping	shape	VERB
easat-9128	63	11	their	their	PRON
easat-9128	63	12	investment	investment	NOUN
easat-9128	63	13	behaviors	behavior	NOUN
easat-9128	63	14	is	be	AUX
easat-9128	63	15	not	not	PART
easat-9128	63	16	only	only	ADV
easat-9128	63	17	crucial	crucial	ADJ
easat-9128	63	18	for	for	ADP
easat-9128	63	19	their	their	PRON
easat-9128	63	20	financial	financial	ADJ
easat-9128	63	21	success	success	NOUN
easat-9128	63	22	but	but	CCONJ
easat-9128	63	23	also	also	ADV
easat-9128	63	24	for	for	ADP
easat-9128	63	25	the	the	DET
easat-9128	63	26	stability	stability	NOUN
easat-9128	63	27	of	of	ADP
easat-9128	63	28	global	global	ADJ
easat-9128	63	29	financial	financial	ADJ
easat-9128	63	30	markets	market	NOUN
easat-9128	63	31	[	[	X
easat-9128	63	32	26	26	NUM
easat-9128	63	33	]	]	PUNCT
easat-9128	63	34	.	.	PUNCT
easat-9128	64	1	this	this	DET
easat-9128	64	2	paper	paper	NOUN
easat-9128	64	3	is	be	AUX
easat-9128	64	4	structured	structure	VERB
easat-9128	64	5	as	as	SCONJ
easat-9128	64	6	follows	follow	VERB
easat-9128	64	7	:	:	PUNCT
easat-9128	64	8	the	the	DET
easat-9128	64	9	next	next	ADJ
easat-9128	64	10	section	section	NOUN
easat-9128	64	11	provides	provide	VERB
easat-9128	64	12	a	a	DET
easat-9128	64	13	detailed	detailed	ADJ
easat-9128	64	14	review	review	NOUN
easat-9128	64	15	of	of	ADP
easat-9128	64	16	the	the	DET
easat-9128	64	17	literature	literature	NOUN
easat-9128	64	18	on	on	ADP
easat-9128	64	19	financial	financial	ADJ
easat-9128	64	20	literacy	literacy	NOUN
easat-9128	64	21	,	,	PUNCT
easat-9128	64	22	digital	digital	ADJ
easat-9128	64	23	investment	investment	NOUN
easat-9128	64	24	platforms	platform	NOUN
easat-9128	64	25	,	,	PUNCT
easat-9128	64	26	and	and	CCONJ
easat-9128	64	27	the	the	DET
easat-9128	64	28	investment	investment	NOUN
easat-9128	64	29	behaviors	behavior	NOUN
easat-9128	64	30	of	of	ADP
easat-9128	64	31	millennials	millennial	NOUN
easat-9128	64	32	and	and	CCONJ
easat-9128	64	33	gen	gen	PROPN
easat-9128	64	34	z.	z.	PROPN
easat-9128	64	35	the	the	DET
easat-9128	64	36	methodology	methodology	NOUN
easat-9128	64	37	section	section	NOUN
easat-9128	64	38	describes	describe	VERB
easat-9128	64	39	the	the	DET
easat-9128	64	40	mixed	mix	VERB
easat-9128	64	41	-	-	PUNCT
easat-9128	64	42	methods	method	NOUN
easat-9128	64	43	approach	approach	NOUN
easat-9128	64	44	used	use	VERB
easat-9128	64	45	in	in	ADP
easat-9128	64	46	the	the	DET
easat-9128	64	47	study	study	NOUN
easat-9128	64	48	,	,	PUNCT
easat-9128	64	49	combining	combine	VERB
easat-9128	64	50	quantitative	quantitative	ADJ
easat-9128	64	51	surveys	survey	NOUN
easat-9128	64	52	and	and	CCONJ
easat-9128	64	53	qualitative	qualitative	ADJ
easat-9128	64	54	interviews	interview	NOUN
easat-9128	64	55	to	to	PART
easat-9128	64	56	collect	collect	VERB
easat-9128	64	57	data	datum	NOUN
easat-9128	64	58	from	from	ADP
easat-9128	64	59	young	young	ADJ
easat-9128	64	60	investors	investor	NOUN
easat-9128	64	61	.	.	PUNCT
easat-9128	65	1	the	the	DET
easat-9128	65	2	results	result	NOUN
easat-9128	65	3	are	be	AUX
easat-9128	65	4	then	then	ADV
easat-9128	65	5	presented	present	VERB
easat-9128	65	6	,	,	PUNCT
easat-9128	65	7	followed	follow	VERB
easat-9128	65	8	by	by	ADP
easat-9128	65	9	an	an	DET
easat-9128	65	10	in	in	ADP
easat-9128	65	11	-	-	PUNCT
easat-9128	65	12	depth	depth	NOUN
easat-9128	65	13	discussion	discussion	NOUN
easat-9128	65	14	of	of	ADP
easat-9128	65	15	the	the	DET
easat-9128	65	16	findings	finding	NOUN
easat-9128	65	17	.	.	PUNCT
easat-9128	66	1	finally	finally	ADV
easat-9128	66	2	,	,	PUNCT
easat-9128	66	3	the	the	DET
easat-9128	66	4	paper	paper	NOUN
easat-9128	66	5	concludes	conclude	VERB
easat-9128	66	6	with	with	ADP
easat-9128	66	7	recommendations	recommendation	NOUN
easat-9128	66	8	for	for	ADP
easat-9128	66	9	improving	improve	VERB
easat-9128	66	10	financial	financial	ADJ
easat-9128	66	11	literacy	literacy	NOUN
easat-9128	66	12	among	among	ADP
easat-9128	66	13	millennials	millennial	NOUN
easat-9128	66	14	and	and	CCONJ
easat-9128	66	15	gen	gen	PROPN
easat-9128	66	16	z	z	NOUN
easat-9128	66	17	and	and	CCONJ
easat-9128	66	18	explores	explore	VERB
easat-9128	66	19	the	the	DET
easat-9128	66	20	implications	implication	NOUN
easat-9128	66	21	for	for	ADP
easat-9128	66	22	policymakers	policymaker	NOUN
easat-9128	66	23	,	,	PUNCT
easat-9128	66	24	financial	financial	ADJ
easat-9128	66	25	institutions	institution	NOUN
easat-9128	66	26	,	,	PUNCT
easat-9128	66	27	and	and	CCONJ
easat-9128	66	28	educators	educator	NOUN
easat-9128	66	29	seeking	seek	VERB
easat-9128	66	30	to	to	PART
easat-9128	66	31	foster	foster	VERB
easat-9128	66	32	better	well	ADJ
easat-9128	66	33	investment	investment	NOUN
easat-9128	66	34	outcomes	outcome	NOUN
easat-9128	66	35	in	in	ADP
easat-9128	66	36	the	the	DET
easat-9128	66	37	digital	digital	ADJ
easat-9128	66	38	age	age	NOUN
easat-9128	66	39	.	.	PUNCT
easat-9128	67	1	2	2	X
easat-9128	67	2	.	.	X
easat-9128	67	3	literature	literature	NOUN
easat-9128	67	4	review	review	VERB
easat-9128	67	5	2.1	2.1	NUM
easat-9128	67	6	.	.	PUNCT
easat-9128	68	1	financial	financial	ADJ
easat-9128	68	2	literacy	literacy	NOUN
easat-9128	68	3	and	and	CCONJ
easat-9128	68	4	investment	investment	NOUN
easat-9128	68	5	behavior	behavior	NOUN
easat-9128	68	6	financial	financial	ADJ
easat-9128	68	7	literacy	literacy	NOUN
easat-9128	68	8	refers	refer	VERB
easat-9128	68	9	to	to	ADP
easat-9128	68	10	an	an	DET
easat-9128	68	11	individual	individual	NOUN
easat-9128	68	12	's	's	PART
easat-9128	68	13	ability	ability	NOUN
easat-9128	68	14	to	to	PART
easat-9128	68	15	understand	understand	VERB
easat-9128	68	16	and	and	CCONJ
easat-9128	68	17	use	use	VERB
easat-9128	68	18	various	various	ADJ
easat-9128	68	19	financial	financial	ADJ
easat-9128	68	20	skills	skill	NOUN
easat-9128	68	21	,	,	PUNCT
easat-9128	68	22	including	include	VERB
easat-9128	68	23	personal	personal	ADJ
easat-9128	68	24	financial	financial	ADJ
easat-9128	68	25	management	management	NOUN
easat-9128	68	26	,	,	PUNCT
easat-9128	68	27	budgeting	budgeting	NOUN
easat-9128	68	28	,	,	PUNCT
easat-9128	68	29	and	and	CCONJ
easat-9128	68	30	investing	invest	VERB
easat-9128	68	31	[	[	X
easat-9128	68	32	27	27	NUM
easat-9128	68	33	]	]	PUNCT
easat-9128	68	34	.	.	PUNCT
easat-9128	69	1	numerous	numerous	ADJ
easat-9128	69	2	studies	study	NOUN
easat-9128	69	3	have	have	AUX
easat-9128	69	4	confirmed	confirm	VERB
easat-9128	69	5	that	that	SCONJ
easat-9128	69	6	financial	financial	ADJ
easat-9128	69	7	literacy	literacy	NOUN
easat-9128	69	8	significantly	significantly	ADV
easat-9128	69	9	influences	influence	VERB
easat-9128	69	10	financial	financial	ADJ
easat-9128	69	11	behavior	behavior	NOUN
easat-9128	69	12	,	,	PUNCT
easat-9128	69	13	particularly	particularly	ADV
easat-9128	69	14	in	in	ADP
easat-9128	69	15	the	the	DET
easat-9128	69	16	context	context	NOUN
easat-9128	69	17	of	of	ADP
easat-9128	69	18	investment	investment	NOUN
easat-9128	69	19	decisions	decision	NOUN
easat-9128	69	20	[	[	X
easat-9128	69	21	27	27	NUM
easat-9128	69	22	,	,	PUNCT
easat-9128	69	23	28	28	NUM
easat-9128	69	24	]	]	PUNCT
easat-9128	69	25	.	.	PUNCT
easat-9128	70	1	individuals	individual	NOUN
easat-9128	70	2	with	with	ADP
easat-9128	70	3	higher	high	ADJ
easat-9128	70	4	financial	financial	ADJ
easat-9128	70	5	literacy	literacy	NOUN
easat-9128	70	6	are	be	AUX
easat-9128	70	7	more	more	ADV
easat-9128	70	8	likely	likely	ADJ
easat-9128	70	9	to	to	PART
easat-9128	70	10	engage	engage	VERB
easat-9128	70	11	in	in	ADP
easat-9128	70	12	proactive	proactive	ADJ
easat-9128	70	13	financial	financial	ADJ
easat-9128	70	14	planning	planning	NOUN
easat-9128	70	15	,	,	PUNCT
easat-9128	70	16	exhibit	exhibit	VERB
easat-9128	70	17	diversified	diversified	ADJ
easat-9128	70	18	investment	investment	NOUN
easat-9128	70	19	portfolios	portfolio	NOUN
easat-9128	70	20	,	,	PUNCT
easat-9128	70	21	and	and	CCONJ
easat-9128	70	22	demonstrate	demonstrate	VERB
easat-9128	70	23	greater	great	ADJ
easat-9128	70	24	awareness	awareness	NOUN
easat-9128	70	25	of	of	ADP
easat-9128	70	26	risk	risk	NOUN
easat-9128	70	27	-	-	PUNCT
easat-9128	70	28	return	return	NOUN
easat-9128	70	29	trade	trade	NOUN
easat-9128	70	30	-	-	PUNCT
easat-9128	70	31	offs	off	NOUN
easat-9128	70	32	[	[	X
easat-9128	70	33	29	29	NUM
easat-9128	70	34	]	]	PUNCT
easat-9128	70	35	.	.	PUNCT
easat-9128	71	1	in	in	ADP
easat-9128	71	2	younger	young	ADJ
easat-9128	71	3	cohorts	cohort	NOUN
easat-9128	71	4	,	,	PUNCT
easat-9128	71	5	such	such	ADJ
easat-9128	71	6	as	as	ADP
easat-9128	71	7	millennials	millennial	NOUN
easat-9128	71	8	and	and	CCONJ
easat-9128	71	9	gen	gen	PROPN
easat-9128	71	10	z	z	PROPN
easat-9128	71	11	,	,	PUNCT
easat-9128	71	12	financial	financial	ADJ
easat-9128	71	13	literacy	literacy	NOUN
easat-9128	71	14	plays	play	VERB
easat-9128	71	15	a	a	DET
easat-9128	71	16	dual	dual	ADJ
easat-9128	71	17	role	role	NOUN
easat-9128	71	18	—	—	PUNCT
easat-9128	71	19	not	not	PART
easat-9128	71	20	only	only	ADV
easat-9128	71	21	as	as	ADP
easat-9128	71	22	a	a	DET
easat-9128	71	23	cognitive	cognitive	ADJ
easat-9128	71	24	framework	framework	NOUN
easat-9128	71	25	but	but	CCONJ
easat-9128	71	26	also	also	ADV
easat-9128	71	27	as	as	ADP
easat-9128	71	28	a	a	DET
easat-9128	71	29	filter	filter	NOUN
easat-9128	71	30	through	through	ADP
easat-9128	71	31	which	which	PRON
easat-9128	71	32	digital	digital	ADJ
easat-9128	71	33	financial	financial	ADJ
easat-9128	71	34	content	content	NOUN
easat-9128	71	35	is	be	AUX
easat-9128	71	36	interpreted	interpret	VERB
easat-9128	71	37	and	and	CCONJ
easat-9128	71	38	acted	act	VERB
easat-9128	71	39	upon	upon	SCONJ
easat-9128	71	40	(	(	PUNCT
easat-9128	71	41	oecd	oecd	PROPN
easat-9128	71	42	,	,	PUNCT
easat-9128	71	43	2020	2020	NUM
easat-9128	71	44	)	)	PUNCT
easat-9128	71	45	.	.	PUNCT
easat-9128	72	1	2132	2132	NUM
easat-9128	72	2	edelweiss	edelweiss	PROPN
easat-9128	72	3	applied	apply	VERB
easat-9128	72	4	science	science	NOUN
easat-9128	72	5	and	and	CCONJ
easat-9128	72	6	technology	technology	NOUN
easat-9128	72	7	issn	issn	PROPN
easat-9128	72	8	:	:	PUNCT
easat-9128	72	9	2576	2576	NUM
easat-9128	72	10	-	-	SYM
easat-9128	72	11	8484	8484	NUM
easat-9128	72	12	vol	vol	NOUN
easat-9128	72	13	.	.	PROPN
easat-9128	73	1	9	9	NUM
easat-9128	73	2	,	,	PUNCT
easat-9128	73	3	no	no	INTJ
easat-9128	73	4	.	.	NOUN
easat-9128	73	5	7	7	NUM
easat-9128	73	6	:	:	SYM
easat-9128	73	7	2129	2129	NUM
easat-9128	73	8	-	-	SYM
easat-9128	73	9	2138	2138	NUM
easat-9128	73	10	,	,	PUNCT
easat-9128	73	11	2025	2025	NUM
easat-9128	73	12	doi	doi	NOUN
easat-9128	73	13	:	:	PUNCT
easat-9128	73	14	10.55214/2576	10.55214/2576	NUM
easat-9128	73	15	-	-	PUNCT
easat-9128	73	16	8484.v9i7.9128	8484.v9i7.9128	NOUN
easat-9128	73	17	©	©	NOUN
easat-9128	73	18	2025	2025	NUM
easat-9128	73	19	by	by	ADP
easat-9128	73	20	the	the	DET
easat-9128	73	21	authors	author	NOUN
easat-9128	73	22	;	;	PUNCT
easat-9128	73	23	licensee	licensee	PROPN
easat-9128	73	24	learning	learning	NOUN
easat-9128	73	25	gate	gate	NOUN
easat-9128	73	26	2.2	2.2	NUM
easat-9128	73	27	.	.	PUNCT
easat-9128	74	1	millennials	millennial	NOUN
easat-9128	74	2	and	and	CCONJ
easat-9128	74	3	gen	gen	PROPN
easat-9128	74	4	z	z	NOUN
easat-9128	74	5	as	as	ADP
easat-9128	74	6	emerging	emerge	VERB
easat-9128	74	7	investors	investor	NOUN
easat-9128	74	8	millennials	millennial	NOUN
easat-9128	74	9	(	(	PUNCT
easat-9128	74	10	born	bear	VERB
easat-9128	74	11	1981–1996	1981–1996	NUM
easat-9128	74	12	)	)	PUNCT
easat-9128	74	13	and	and	CCONJ
easat-9128	74	14	gen	gen	PROPN
easat-9128	74	15	z	z	PROPN
easat-9128	74	16	(	(	PUNCT
easat-9128	74	17	born	bear	VERB
easat-9128	74	18	1997–2012	1997–2012	NUM
easat-9128	74	19	)	)	PUNCT
easat-9128	74	20	represent	represent	VERB
easat-9128	74	21	a	a	DET
easat-9128	74	22	demographic	demographic	ADJ
easat-9128	74	23	shift	shift	NOUN
easat-9128	74	24	in	in	ADP
easat-9128	74	25	financial	financial	ADJ
easat-9128	74	26	market	market	NOUN
easat-9128	74	27	participation	participation	NOUN
easat-9128	74	28	.	.	PUNCT
easat-9128	75	1	these	these	DET
easat-9128	75	2	generations	generation	NOUN
easat-9128	75	3	have	have	AUX
easat-9128	75	4	grown	grow	VERB
easat-9128	75	5	up	up	ADP
easat-9128	75	6	with	with	ADP
easat-9128	75	7	technology	technology	NOUN
easat-9128	75	8	and	and	CCONJ
easat-9128	75	9	are	be	AUX
easat-9128	75	10	more	more	ADV
easat-9128	75	11	inclined	inclined	ADJ
easat-9128	75	12	to	to	PART
easat-9128	75	13	use	use	VERB
easat-9128	75	14	digital	digital	ADJ
easat-9128	75	15	platforms	platform	NOUN
easat-9128	75	16	for	for	ADP
easat-9128	75	17	investment	investment	NOUN
easat-9128	75	18	activities	activity	NOUN
easat-9128	75	19	.	.	PUNCT
easat-9128	76	1	research	research	NOUN
easat-9128	76	2	suggests	suggest	VERB
easat-9128	76	3	that	that	SCONJ
easat-9128	76	4	their	their	PRON
easat-9128	76	5	investment	investment	NOUN
easat-9128	76	6	preferences	preference	NOUN
easat-9128	76	7	differ	differ	VERB
easat-9128	76	8	significantly	significantly	ADV
easat-9128	76	9	from	from	ADP
easat-9128	76	10	older	old	ADJ
easat-9128	76	11	generations	generation	NOUN
easat-9128	76	12	,	,	PUNCT
easat-9128	76	13	favoring	favor	VERB
easat-9128	76	14	convenience	convenience	NOUN
easat-9128	76	15	,	,	PUNCT
easat-9128	76	16	real	real	ADJ
easat-9128	76	17	-	-	PUNCT
easat-9128	76	18	time	time	NOUN
easat-9128	76	19	access	access	NOUN
easat-9128	76	20	,	,	PUNCT
easat-9128	76	21	and	and	CCONJ
easat-9128	76	22	personalized	personalized	ADJ
easat-9128	76	23	recommendations	recommendation	NOUN
easat-9128	76	24	through	through	ADP
easat-9128	76	25	technology	technology	NOUN
easat-9128	76	26	-	-	PUNCT
easat-9128	76	27	driven	drive	VERB
easat-9128	76	28	platforms	platform	NOUN
easat-9128	76	29	[	[	X
easat-9128	76	30	30	30	NUM
easat-9128	76	31	]	]	PUNCT
easat-9128	76	32	.	.	PUNCT
easat-9128	77	1	however	however	ADV
easat-9128	77	2	,	,	PUNCT
easat-9128	77	3	despite	despite	SCONJ
easat-9128	77	4	higher	high	ADJ
easat-9128	77	5	digital	digital	ADJ
easat-9128	77	6	fluency	fluency	NOUN
easat-9128	77	7	,	,	PUNCT
easat-9128	77	8	several	several	ADJ
easat-9128	77	9	studies	study	NOUN
easat-9128	77	10	have	have	AUX
easat-9128	77	11	reported	report	VERB
easat-9128	77	12	gaps	gap	NOUN
easat-9128	77	13	in	in	ADP
easat-9128	77	14	their	their	PRON
easat-9128	77	15	financial	financial	ADJ
easat-9128	77	16	decision	decision	NOUN
easat-9128	77	17	-	-	PUNCT
easat-9128	77	18	making	make	VERB
easat-9128	77	19	abilities	ability	NOUN
easat-9128	77	20	due	due	ADP
easat-9128	77	21	to	to	ADP
easat-9128	77	22	insufficient	insufficient	ADJ
easat-9128	77	23	financial	financial	ADJ
easat-9128	77	24	education	education	NOUN
easat-9128	77	25	and	and	CCONJ
easat-9128	77	26	limited	limited	ADJ
easat-9128	77	27	real	real	ADJ
easat-9128	77	28	-	-	PUNCT
easat-9128	77	29	world	world	NOUN
easat-9128	77	30	financial	financial	ADJ
easat-9128	77	31	experience	experience	NOUN
easat-9128	77	32	.	.	PUNCT
easat-9128	78	1	2.3	2.3	NUM
easat-9128	78	2	.	.	PUNCT
easat-9128	79	1	fintech	fintech	NOUN
easat-9128	79	2	and	and	CCONJ
easat-9128	79	3	digital	digital	ADJ
easat-9128	79	4	investment	investment	NOUN
easat-9128	79	5	platforms	platform	NOUN
easat-9128	79	6	the	the	DET
easat-9128	79	7	digital	digital	ADJ
easat-9128	79	8	transformation	transformation	NOUN
easat-9128	79	9	in	in	ADP
easat-9128	79	10	finance	finance	NOUN
easat-9128	79	11	has	have	AUX
easat-9128	79	12	led	lead	VERB
easat-9128	79	13	to	to	ADP
easat-9128	79	14	the	the	DET
easat-9128	79	15	emergence	emergence	NOUN
easat-9128	79	16	of	of	ADP
easat-9128	79	17	fintech	fintech	NOUN
easat-9128	79	18	solutions	solution	NOUN
easat-9128	79	19	such	such	ADJ
easat-9128	79	20	as	as	ADP
easat-9128	79	21	robo	robo	NOUN
easat-9128	79	22	-	-	PUNCT
easat-9128	79	23	advisors	advisor	NOUN
easat-9128	79	24	,	,	PUNCT
easat-9128	79	25	peer	peer	NOUN
easat-9128	79	26	-	-	PUNCT
easat-9128	79	27	to	to	ADP
easat-9128	79	28	-	-	PUNCT
easat-9128	79	29	peer	peer	NOUN
easat-9128	79	30	lending	lending	NOUN
easat-9128	79	31	,	,	PUNCT
easat-9128	79	32	and	and	CCONJ
easat-9128	79	33	app	app	VERB
easat-9128	79	34	-	-	PUNCT
easat-9128	79	35	based	base	VERB
easat-9128	79	36	stock	stock	NOUN
easat-9128	79	37	trading	trading	NOUN
easat-9128	79	38	.	.	PUNCT
easat-9128	80	1	these	these	DET
easat-9128	80	2	platforms	platform	NOUN
easat-9128	80	3	have	have	AUX
easat-9128	80	4	lowered	lower	VERB
easat-9128	80	5	entry	entry	NOUN
easat-9128	80	6	barriers	barrier	NOUN
easat-9128	80	7	and	and	CCONJ
easat-9128	80	8	provided	provide	VERB
easat-9128	80	9	broader	broad	ADJ
easat-9128	80	10	access	access	NOUN
easat-9128	80	11	to	to	ADP
easat-9128	80	12	investment	investment	NOUN
easat-9128	80	13	products	product	NOUN
easat-9128	80	14	for	for	ADP
easat-9128	80	15	young	young	ADJ
easat-9128	80	16	investors	investor	NOUN
easat-9128	80	17	.	.	PUNCT
easat-9128	81	1	however	however	ADV
easat-9128	81	2	,	,	PUNCT
easat-9128	81	3	the	the	DET
easat-9128	81	4	ease	ease	NOUN
easat-9128	81	5	of	of	ADP
easat-9128	81	6	access	access	NOUN
easat-9128	81	7	does	do	AUX
easat-9128	81	8	not	not	PART
easat-9128	81	9	necessarily	necessarily	ADV
easat-9128	81	10	translate	translate	VERB
easat-9128	81	11	into	into	ADP
easat-9128	81	12	informed	informed	ADJ
easat-9128	81	13	decision	decision	NOUN
easat-9128	81	14	-	-	PUNCT
easat-9128	81	15	making	making	NOUN
easat-9128	81	16	.	.	PUNCT
easat-9128	82	1	research	research	NOUN
easat-9128	82	2	by	by	ADP
easat-9128	82	3	sironi	sironi	NOUN
easat-9128	82	4	[	[	X
easat-9128	82	5	31	31	NUM
easat-9128	82	6	]	]	PUNCT
easat-9128	82	7	and	and	CCONJ
easat-9128	82	8	jünger	jünger	NOUN
easat-9128	82	9	and	and	CCONJ
easat-9128	82	10	mietzner	mietzner	NOUN
easat-9128	83	1	[	[	X
easat-9128	83	2	32	32	NUM
easat-9128	83	3	]	]	PUNCT
easat-9128	83	4	indicates	indicate	VERB
easat-9128	83	5	that	that	SCONJ
easat-9128	83	6	digital	digital	ADJ
easat-9128	83	7	platforms	platform	NOUN
easat-9128	83	8	can	can	AUX
easat-9128	83	9	either	either	CCONJ
easat-9128	83	10	enhance	enhance	VERB
easat-9128	83	11	or	or	CCONJ
easat-9128	83	12	hinder	hinder	VERB
easat-9128	83	13	investment	investment	NOUN
easat-9128	83	14	performance	performance	NOUN
easat-9128	83	15	depending	depend	VERB
easat-9128	83	16	on	on	ADP
easat-9128	83	17	users	user	NOUN
easat-9128	83	18	'	'	PART
easat-9128	83	19	financial	financial	ADJ
easat-9128	83	20	literacy	literacy	NOUN
easat-9128	83	21	levels	level	NOUN
easat-9128	83	22	.	.	PUNCT
easat-9128	84	1	moreover	moreover	ADV
easat-9128	84	2	,	,	PUNCT
easat-9128	84	3	social	social	ADJ
easat-9128	84	4	media	medium	NOUN
easat-9128	84	5	and	and	CCONJ
easat-9128	84	6	influencer	influencer	NOUN
easat-9128	84	7	-	-	PUNCT
easat-9128	84	8	driven	drive	VERB
easat-9128	84	9	investment	investment	NOUN
easat-9128	84	10	advice	advice	NOUN
easat-9128	84	11	have	have	AUX
easat-9128	84	12	been	be	AUX
easat-9128	84	13	found	find	VERB
easat-9128	84	14	to	to	PART
easat-9128	84	15	exert	exert	VERB
easat-9128	84	16	a	a	DET
easat-9128	84	17	powerful	powerful	ADJ
easat-9128	84	18	—	—	PUNCT
easat-9128	84	19	though	though	SCONJ
easat-9128	84	20	sometimes	sometimes	ADV
easat-9128	84	21	misleading	misleading	ADJ
easat-9128	84	22	—	—	PUNCT
easat-9128	84	23	impact	impact	NOUN
easat-9128	84	24	on	on	ADP
easat-9128	84	25	gen	gen	PROPN
easat-9128	84	26	z	z	PROPN
easat-9128	84	27	's	's	PART
easat-9128	84	28	financial	financial	ADJ
easat-9128	84	29	behaviors	behavior	NOUN
easat-9128	84	30	[	[	X
easat-9128	84	31	33	33	NUM
easat-9128	84	32	]	]	PUNCT
easat-9128	84	33	.	.	PUNCT
easat-9128	85	1	2.4	2.4	NUM
easat-9128	85	2	.	.	PUNCT
easat-9128	86	1	digital	digital	ADJ
easat-9128	86	2	financial	financial	ADJ
easat-9128	86	3	education	education	NOUN
easat-9128	86	4	and	and	CCONJ
easat-9128	86	5	behavioral	behavioral	ADJ
easat-9128	86	6	finance	finance	NOUN
easat-9128	86	7	the	the	DET
easat-9128	86	8	intersection	intersection	NOUN
easat-9128	86	9	of	of	ADP
easat-9128	86	10	financial	financial	ADJ
easat-9128	86	11	literacy	literacy	NOUN
easat-9128	86	12	and	and	CCONJ
easat-9128	86	13	behavioral	behavioral	ADJ
easat-9128	86	14	finance	finance	NOUN
easat-9128	86	15	has	have	AUX
easat-9128	86	16	gained	gain	VERB
easat-9128	86	17	attention	attention	NOUN
easat-9128	86	18	in	in	ADP
easat-9128	86	19	recent	recent	ADJ
easat-9128	86	20	years	year	NOUN
easat-9128	86	21	,	,	PUNCT
easat-9128	86	22	particularly	particularly	ADV
easat-9128	86	23	in	in	ADP
easat-9128	86	24	understanding	understand	VERB
easat-9128	86	25	cognitive	cognitive	ADJ
easat-9128	86	26	biases	bias	NOUN
easat-9128	86	27	such	such	ADJ
easat-9128	86	28	as	as	ADP
easat-9128	86	29	overconfidence	overconfidence	NOUN
easat-9128	86	30	,	,	PUNCT
easat-9128	86	31	herding	herding	NOUN
easat-9128	86	32	behavior	behavior	NOUN
easat-9128	86	33	,	,	PUNCT
easat-9128	86	34	and	and	CCONJ
easat-9128	86	35	risk	risk	NOUN
easat-9128	86	36	aversion	aversion	NOUN
easat-9128	86	37	among	among	ADP
easat-9128	86	38	digital	digital	ADJ
easat-9128	86	39	-	-	PUNCT
easat-9128	86	40	age	age	NOUN
easat-9128	86	41	investors	investor	NOUN
easat-9128	86	42	.	.	PUNCT
easat-9128	87	1	targeted	target	VERB
easat-9128	87	2	digital	digital	ADJ
easat-9128	87	3	financial	financial	ADJ
easat-9128	87	4	education	education	NOUN
easat-9128	87	5	programs	program	NOUN
easat-9128	87	6	have	have	AUX
easat-9128	87	7	been	be	AUX
easat-9128	87	8	proposed	propose	VERB
easat-9128	87	9	to	to	PART
easat-9128	87	10	mitigate	mitigate	VERB
easat-9128	87	11	these	these	DET
easat-9128	87	12	biases	bias	NOUN
easat-9128	87	13	and	and	CCONJ
easat-9128	87	14	improve	improve	VERB
easat-9128	87	15	rational	rational	ADJ
easat-9128	87	16	investment	investment	NOUN
easat-9128	87	17	decision	decision	NOUN
easat-9128	87	18	-	-	PUNCT
easat-9128	87	19	making	making	NOUN
easat-9128	87	20	.	.	PUNCT
easat-9128	88	1	studies	study	NOUN
easat-9128	88	2	suggest	suggest	VERB
easat-9128	88	3	that	that	SCONJ
easat-9128	88	4	interactive	interactive	ADJ
easat-9128	88	5	learning	learn	VERB
easat-9128	88	6	through	through	ADP
easat-9128	88	7	gamified	gamified	ADJ
easat-9128	88	8	apps	app	NOUN
easat-9128	88	9	,	,	PUNCT
easat-9128	88	10	simulations	simulation	NOUN
easat-9128	88	11	,	,	PUNCT
easat-9128	88	12	and	and	CCONJ
easat-9128	88	13	microlearning	microlearne	VERB
easat-9128	88	14	modules	module	NOUN
easat-9128	88	15	can	can	AUX
easat-9128	88	16	significantly	significantly	ADV
easat-9128	88	17	enhance	enhance	VERB
easat-9128	88	18	financial	financial	ADJ
easat-9128	88	19	knowledge	knowledge	NOUN
easat-9128	88	20	retention	retention	NOUN
easat-9128	88	21	and	and	CCONJ
easat-9128	88	22	behavioral	behavioral	ADJ
easat-9128	88	23	change	change	NOUN
easat-9128	88	24	among	among	ADP
easat-9128	88	25	young	young	ADJ
easat-9128	88	26	users	user	NOUN
easat-9128	89	1	[	[	X
easat-9128	89	2	34	34	NUM
easat-9128	89	3	]	]	PUNCT
easat-9128	89	4	.	.	PUNCT
easat-9128	90	1	3	3	X
easat-9128	90	2	.	.	X
easat-9128	90	3	methodology	methodology	NOUN
easat-9128	90	4	this	this	DET
easat-9128	90	5	study	study	NOUN
easat-9128	90	6	adopts	adopt	VERB
easat-9128	90	7	a	a	DET
easat-9128	90	8	quantitative	quantitative	ADJ
easat-9128	90	9	approach	approach	NOUN
easat-9128	90	10	using	use	VERB
easat-9128	90	11	a	a	DET
easat-9128	90	12	survey	survey	NOUN
easat-9128	90	13	method	method	NOUN
easat-9128	90	14	as	as	ADP
easat-9128	90	15	the	the	DET
easat-9128	90	16	primary	primary	ADJ
easat-9128	90	17	tool	tool	NOUN
easat-9128	90	18	for	for	ADP
easat-9128	90	19	data	data	NOUN
easat-9128	90	20	collection	collection	NOUN
easat-9128	90	21	.	.	PUNCT
easat-9128	91	1	the	the	DET
easat-9128	91	2	main	main	ADJ
easat-9128	91	3	objective	objective	NOUN
easat-9128	91	4	of	of	ADP
easat-9128	91	5	this	this	DET
easat-9128	91	6	approach	approach	NOUN
easat-9128	91	7	is	be	AUX
easat-9128	91	8	to	to	PART
easat-9128	91	9	examine	examine	VERB
easat-9128	91	10	the	the	DET
easat-9128	91	11	influence	influence	NOUN
easat-9128	91	12	of	of	ADP
easat-9128	91	13	financial	financial	ADJ
easat-9128	91	14	literacy	literacy	NOUN
easat-9128	91	15	on	on	ADP
easat-9128	91	16	investment	investment	NOUN
easat-9128	91	17	decisions	decision	NOUN
easat-9128	91	18	made	make	VERB
easat-9128	91	19	by	by	ADP
easat-9128	91	20	millennials	millennial	NOUN
easat-9128	91	21	and	and	CCONJ
easat-9128	91	22	gen	gen	PROPN
easat-9128	91	23	z	z	NOUN
easat-9128	91	24	in	in	ADP
easat-9128	91	25	the	the	DET
easat-9128	91	26	context	context	NOUN
easat-9128	91	27	of	of	ADP
easat-9128	91	28	the	the	DET
easat-9128	91	29	digital	digital	ADJ
easat-9128	91	30	era	era	NOUN
easat-9128	91	31	.	.	PUNCT
easat-9128	92	1	the	the	DET
easat-9128	92	2	respondents	respondent	NOUN
easat-9128	92	3	in	in	ADP
easat-9128	92	4	this	this	DET
easat-9128	92	5	study	study	NOUN
easat-9128	92	6	consist	consist	NOUN
easat-9128	92	7	of	of	ADP
easat-9128	92	8	individuals	individual	NOUN
easat-9128	92	9	aged	age	VERB
easat-9128	92	10	18–40	18–40	NUM
easat-9128	92	11	from	from	ADP
easat-9128	92	12	various	various	ADJ
easat-9128	92	13	regions	region	NOUN
easat-9128	92	14	in	in	ADP
easat-9128	92	15	indonesia	indonesia	PROPN
easat-9128	92	16	who	who	PRON
easat-9128	92	17	are	be	AUX
easat-9128	92	18	actively	actively	ADV
easat-9128	92	19	involved	involve	VERB
easat-9128	92	20	in	in	ADP
easat-9128	92	21	investment	investment	NOUN
easat-9128	92	22	activities	activity	NOUN
easat-9128	92	23	through	through	ADP
easat-9128	92	24	digital	digital	ADJ
easat-9128	92	25	platforms	platform	NOUN
easat-9128	92	26	such	such	ADJ
easat-9128	92	27	as	as	ADP
easat-9128	92	28	stock	stock	NOUN
easat-9128	92	29	trading	trading	NOUN
easat-9128	92	30	apps	app	NOUN
easat-9128	92	31	,	,	PUNCT
easat-9128	92	32	mutual	mutual	ADJ
easat-9128	92	33	funds	fund	NOUN
easat-9128	92	34	,	,	PUNCT
easat-9128	92	35	cryptocurrency	cryptocurrency	NOUN
easat-9128	92	36	,	,	PUNCT
easat-9128	92	37	and	and	CCONJ
easat-9128	92	38	peer	peer	NOUN
easat-9128	92	39	-	-	PUNCT
easat-9128	92	40	to	to	ADP
easat-9128	92	41	-	-	PUNCT
easat-9128	92	42	peer	peer	NOUN
easat-9128	92	43	lending	lending	NOUN
easat-9128	92	44	[	[	X
easat-9128	92	45	34	34	NUM
easat-9128	92	46	]	]	PUNCT
easat-9128	92	47	.	.	PUNCT
easat-9128	93	1	a	a	DET
easat-9128	93	2	purposive	purposive	ADJ
easat-9128	93	3	sampling	sampling	NOUN
easat-9128	93	4	technique	technique	NOUN
easat-9128	93	5	was	be	AUX
easat-9128	93	6	employed	employ	VERB
easat-9128	93	7	,	,	PUNCT
easat-9128	93	8	with	with	ADP
easat-9128	93	9	selection	selection	NOUN
easat-9128	93	10	criteria	criterion	NOUN
easat-9128	93	11	including	include	VERB
easat-9128	93	12	:	:	PUNCT
easat-9128	93	13	(	(	PUNCT
easat-9128	93	14	1	1	X
easat-9128	93	15	)	)	PUNCT
easat-9128	93	16	individuals	individual	NOUN
easat-9128	93	17	aged	age	VERB
easat-9128	93	18	between	between	ADP
easat-9128	93	19	18	18	NUM
easat-9128	93	20	and	and	CCONJ
easat-9128	93	21	40	40	NUM
easat-9128	93	22	years	year	NOUN
easat-9128	93	23	,	,	PUNCT
easat-9128	93	24	(	(	PUNCT
easat-9128	93	25	2	2	X
easat-9128	93	26	)	)	PUNCT
easat-9128	93	27	having	have	VERB
easat-9128	93	28	access	access	NOUN
easat-9128	93	29	to	to	ADP
easat-9128	93	30	and	and	CCONJ
easat-9128	93	31	experience	experience	VERB
easat-9128	93	32	with	with	ADP
easat-9128	93	33	digital	digital	ADJ
easat-9128	93	34	investment	investment	NOUN
easat-9128	93	35	platforms	platform	NOUN
easat-9128	93	36	for	for	ADP
easat-9128	93	37	at	at	ADP
easat-9128	93	38	least	least	ADJ
easat-9128	93	39	the	the	DET
easat-9128	93	40	past	past	ADJ
easat-9128	93	41	six	six	NUM
easat-9128	93	42	months	month	NOUN
easat-9128	93	43	,	,	PUNCT
easat-9128	93	44	and	and	CCONJ
easat-9128	93	45	(	(	PUNCT
easat-9128	93	46	3	3	X
easat-9128	93	47	)	)	PUNCT
easat-9128	93	48	possessing	possess	VERB
easat-9128	93	49	basic	basic	ADJ
easat-9128	93	50	knowledge	knowledge	NOUN
easat-9128	93	51	of	of	ADP
easat-9128	93	52	investment	investment	NOUN
easat-9128	93	53	concepts	concept	NOUN
easat-9128	93	54	.	.	PUNCT
easat-9128	94	1	a	a	DET
easat-9128	94	2	total	total	NOUN
easat-9128	94	3	of	of	ADP
easat-9128	94	4	420	420	NUM
easat-9128	94	5	respondents	respondent	NOUN
easat-9128	94	6	were	be	AUX
easat-9128	94	7	collected	collect	VERB
easat-9128	94	8	,	,	PUNCT
easat-9128	94	9	meeting	meet	VERB
easat-9128	94	10	the	the	DET
easat-9128	94	11	statistical	statistical	ADJ
easat-9128	94	12	validity	validity	NOUN
easat-9128	94	13	requirement	requirement	NOUN
easat-9128	94	14	for	for	ADP
easat-9128	94	15	regression	regression	NOUN
easat-9128	94	16	analysis	analysis	NOUN
easat-9128	94	17	.	.	PUNCT
easat-9128	95	1	the	the	DET
easat-9128	95	2	research	research	NOUN
easat-9128	95	3	instrument	instrument	NOUN
easat-9128	95	4	was	be	AUX
easat-9128	95	5	a	a	DET
easat-9128	95	6	closed	closed	ADJ
easat-9128	95	7	-	-	PUNCT
easat-9128	95	8	ended	end	VERB
easat-9128	95	9	questionnaire	questionnaire	NOUN
easat-9128	95	10	divided	divide	VERB
easat-9128	95	11	into	into	ADP
easat-9128	95	12	three	three	NUM
easat-9128	95	13	main	main	ADJ
easat-9128	95	14	sections	section	NOUN
easat-9128	95	15	:	:	PUNCT
easat-9128	95	16	(	(	PUNCT
easat-9128	95	17	1	1	X
easat-9128	95	18	)	)	PUNCT
easat-9128	95	19	respondent	respondent	NOUN
easat-9128	95	20	demographics	demographic	NOUN
easat-9128	95	21	,	,	PUNCT
easat-9128	95	22	(	(	PUNCT
easat-9128	95	23	2	2	X
easat-9128	95	24	)	)	PUNCT
easat-9128	95	25	financial	financial	ADJ
easat-9128	95	26	literacy	literacy	NOUN
easat-9128	95	27	levels	level	NOUN
easat-9128	95	28	based	base	VERB
easat-9128	95	29	on	on	ADP
easat-9128	95	30	indicators	indicator	NOUN
easat-9128	95	31	from	from	ADP
easat-9128	95	32	the	the	DET
easat-9128	95	33	oecd	oecd	PROPN
easat-9128	95	34	/	/	SYM
easat-9128	95	35	infe	infe	NOUN
easat-9128	95	36	(	(	PUNCT
easat-9128	95	37	organization	organization	NOUN
easat-9128	95	38	for	for	ADP
easat-9128	95	39	economic	economic	ADJ
easat-9128	95	40	cooperation	cooperation	NOUN
easat-9128	95	41	and	and	CCONJ
easat-9128	95	42	development	development	NOUN
easat-9128	95	43	–	–	PUNCT
easat-9128	95	44	international	international	ADJ
easat-9128	95	45	network	network	NOUN
easat-9128	95	46	on	on	ADP
easat-9128	95	47	financial	financial	ADJ
easat-9128	95	48	education	education	NOUN
easat-9128	95	49	)	)	PUNCT
easat-9128	95	50	,	,	PUNCT
easat-9128	95	51	and	and	CCONJ
easat-9128	95	52	(	(	PUNCT
easat-9128	95	53	3	3	X
easat-9128	95	54	)	)	PUNCT
easat-9128	95	55	investment	investment	NOUN
easat-9128	95	56	decision	decision	NOUN
easat-9128	95	57	indicators	indicator	NOUN
easat-9128	95	58	covering	cover	VERB
easat-9128	95	59	dimensions	dimension	NOUN
easat-9128	95	60	such	such	ADJ
easat-9128	95	61	as	as	ADP
easat-9128	95	62	rationality	rationality	NOUN
easat-9128	95	63	,	,	PUNCT
easat-9128	95	64	planning	planning	NOUN
easat-9128	95	65	,	,	PUNCT
easat-9128	95	66	diversification	diversification	NOUN
easat-9128	95	67	,	,	PUNCT
easat-9128	95	68	and	and	CCONJ
easat-9128	95	69	risk	risk	NOUN
easat-9128	95	70	management	management	NOUN
easat-9128	95	71	.	.	PUNCT
easat-9128	96	1	instrument	instrument	NOUN
easat-9128	96	2	validity	validity	NOUN
easat-9128	96	3	and	and	CCONJ
easat-9128	96	4	reliability	reliability	NOUN
easat-9128	96	5	were	be	AUX
easat-9128	96	6	tested	test	VERB
easat-9128	96	7	using	use	VERB
easat-9128	96	8	construct	construct	VERB
easat-9128	96	9	validity	validity	NOUN
easat-9128	96	10	through	through	ADP
easat-9128	96	11	exploratory	exploratory	ADJ
easat-9128	96	12	factor	factor	NOUN
easat-9128	96	13	analysis	analysis	NOUN
easat-9128	96	14	(	(	PUNCT
easat-9128	96	15	efa	efa	PROPN
easat-9128	96	16	)	)	PUNCT
easat-9128	96	17	and	and	CCONJ
easat-9128	96	18	reliability	reliability	NOUN
easat-9128	96	19	testing	testing	NOUN
easat-9128	96	20	via	via	ADP
easat-9128	96	21	cronbach	cronbach	PROPN
easat-9128	96	22	’s	’s	PART
easat-9128	96	23	alpha	alpha	NOUN
easat-9128	96	24	,	,	PUNCT
easat-9128	96	25	all	all	PRON
easat-9128	96	26	of	of	ADP
easat-9128	96	27	which	which	PRON
easat-9128	96	28	exceeded	exceed	VERB
easat-9128	96	29	the	the	DET
easat-9128	96	30	threshold	threshold	NOUN
easat-9128	96	31	value	value	NOUN
easat-9128	96	32	of	of	ADP
easat-9128	96	33	0.70	0.70	NUM
easat-9128	96	34	.	.	PUNCT
easat-9128	97	1	the	the	DET
easat-9128	97	2	collected	collect	VERB
easat-9128	97	3	data	datum	NOUN
easat-9128	97	4	were	be	AUX
easat-9128	97	5	analyzed	analyze	VERB
easat-9128	97	6	using	use	VERB
easat-9128	97	7	multiple	multiple	ADJ
easat-9128	97	8	linear	linear	ADJ
easat-9128	97	9	regression	regression	NOUN
easat-9128	97	10	analysis	analysis	NOUN
easat-9128	97	11	to	to	PART
easat-9128	97	12	assess	assess	VERB
easat-9128	97	13	the	the	DET
easat-9128	97	14	impact	impact	NOUN
easat-9128	97	15	of	of	ADP
easat-9128	97	16	financial	financial	ADJ
easat-9128	97	17	literacy	literacy	NOUN
easat-9128	97	18	on	on	ADP
easat-9128	97	19	investment	investment	NOUN
easat-9128	97	20	decisions	decision	NOUN
easat-9128	97	21	.	.	PUNCT
easat-9128	98	1	additionally	additionally	ADV
easat-9128	98	2	,	,	PUNCT
easat-9128	98	3	descriptive	descriptive	ADJ
easat-9128	98	4	analysis	analysis	NOUN
easat-9128	98	5	was	be	AUX
easat-9128	98	6	conducted	conduct	VERB
easat-9128	98	7	to	to	PART
easat-9128	98	8	map	map	VERB
easat-9128	98	9	financial	financial	ADJ
easat-9128	98	10	literacy	literacy	NOUN
easat-9128	98	11	levels	level	NOUN
easat-9128	98	12	and	and	CCONJ
easat-9128	98	13	investment	investment	NOUN
easat-9128	98	14	preferences	preference	NOUN
easat-9128	98	15	by	by	ADP
easat-9128	98	16	age	age	NOUN
easat-9128	98	17	group	group	NOUN
easat-9128	98	18	and	and	CCONJ
easat-9128	98	19	digital	digital	ADJ
easat-9128	98	20	experience	experience	NOUN
easat-9128	98	21	.	.	PUNCT
easat-9128	99	1	classical	classical	ADJ
easat-9128	99	2	assumption	assumption	NOUN
easat-9128	99	3	tests	test	NOUN
easat-9128	99	4	such	such	ADJ
easat-9128	99	5	as	as	ADP
easat-9128	99	6	normality	normality	NOUN
easat-9128	99	7	,	,	PUNCT
easat-9128	99	8	multicollinearity	multicollinearity	NOUN
easat-9128	99	9	,	,	PUNCT
easat-9128	99	10	and	and	CCONJ
easat-9128	99	11	heteroskedasticity	heteroskedasticity	NOUN
easat-9128	99	12	were	be	AUX
easat-9128	99	13	also	also	ADV
easat-9128	99	14	performed	perform	VERB
easat-9128	99	15	to	to	PART
easat-9128	99	16	ensure	ensure	VERB
easat-9128	99	17	the	the	DET
easat-9128	99	18	validity	validity	NOUN
easat-9128	99	19	of	of	ADP
easat-9128	99	20	the	the	DET
easat-9128	99	21	regression	regression	NOUN
easat-9128	99	22	model	model	NOUN
easat-9128	99	23	used	use	VERB
easat-9128	99	24	.	.	PUNCT
easat-9128	100	1	2133	2133	NUM
easat-9128	100	2	edelweiss	edelweiss	PROPN
easat-9128	100	3	applied	apply	VERB
easat-9128	100	4	science	science	NOUN
easat-9128	100	5	and	and	CCONJ
easat-9128	100	6	technology	technology	NOUN
easat-9128	100	7	issn	issn	PROPN
easat-9128	100	8	:	:	PUNCT
easat-9128	100	9	2576	2576	NUM
easat-9128	100	10	-	-	SYM
easat-9128	100	11	8484	8484	NUM
easat-9128	100	12	vol	vol	NOUN
easat-9128	100	13	.	.	PROPN
easat-9128	101	1	9	9	NUM
easat-9128	101	2	,	,	PUNCT
easat-9128	101	3	no	no	INTJ
easat-9128	101	4	.	.	NOUN
easat-9128	101	5	7	7	NUM
easat-9128	101	6	:	:	SYM
easat-9128	101	7	2129	2129	NUM
easat-9128	101	8	-	-	SYM
easat-9128	101	9	2138	2138	NUM
easat-9128	101	10	,	,	PUNCT
easat-9128	101	11	2025	2025	NUM
easat-9128	101	12	doi	doi	NOUN
easat-9128	101	13	:	:	PUNCT
easat-9128	101	14	10.55214/2576	10.55214/2576	NUM
easat-9128	101	15	-	-	PUNCT
easat-9128	101	16	8484.v9i7.9128	8484.v9i7.9128	NOUN
easat-9128	101	17	©	©	NOUN
easat-9128	101	18	2025	2025	NUM
easat-9128	101	19	by	by	ADP
easat-9128	101	20	the	the	DET
easat-9128	101	21	authors	author	NOUN
easat-9128	101	22	;	;	PUNCT
easat-9128	101	23	licensee	licensee	PROPN
easat-9128	101	24	learning	learning	NOUN
easat-9128	101	25	gate	gate	NOUN
easat-9128	101	26	4	4	NUM
easat-9128	101	27	.	.	NOUN
easat-9128	101	28	result	result	NOUN
easat-9128	101	29	and	and	CCONJ
easat-9128	101	30	discussion	discussion	NOUN
easat-9128	101	31	4.1	4.1	NUM
easat-9128	101	32	.	.	PUNCT
easat-9128	102	1	financial	financial	ADJ
easat-9128	102	2	literacy	literacy	NOUN
easat-9128	102	3	level	level	NOUN
easat-9128	102	4	of	of	ADP
easat-9128	102	5	respondents	respondent	NOUN
easat-9128	102	6	descriptive	descriptive	ADJ
easat-9128	102	7	analysis	analysis	NOUN
easat-9128	102	8	reveals	reveal	VERB
easat-9128	102	9	that	that	SCONJ
easat-9128	102	10	the	the	DET
easat-9128	102	11	overall	overall	ADJ
easat-9128	102	12	financial	financial	ADJ
easat-9128	102	13	literacy	literacy	NOUN
easat-9128	102	14	level	level	NOUN
easat-9128	102	15	among	among	ADP
easat-9128	102	16	millennial	millennial	ADJ
easat-9128	102	17	and	and	CCONJ
easat-9128	102	18	gen	gen	PROPN
easat-9128	102	19	z	z	NOUN
easat-9128	102	20	respondents	respondent	NOUN
easat-9128	102	21	in	in	ADP
easat-9128	102	22	this	this	DET
easat-9128	102	23	study	study	NOUN
easat-9128	102	24	falls	fall	VERB
easat-9128	102	25	into	into	ADP
easat-9128	102	26	the	the	DET
easat-9128	102	27	moderate	moderate	ADJ
easat-9128	102	28	to	to	ADP
easat-9128	102	29	high	high	ADJ
easat-9128	102	30	category	category	NOUN
easat-9128	102	31	,	,	PUNCT
easat-9128	102	32	with	with	ADP
easat-9128	102	33	a	a	DET
easat-9128	102	34	mean	mean	ADJ
easat-9128	102	35	score	score	NOUN
easat-9128	102	36	of	of	ADP
easat-9128	102	37	72.4	72.4	NUM
easat-9128	102	38	out	out	ADP
easat-9128	102	39	of	of	ADP
easat-9128	102	40	100	100	NUM
easat-9128	102	41	,	,	PUNCT
easat-9128	102	42	as	as	SCONJ
easat-9128	102	43	measured	measure	VERB
easat-9128	102	44	using	use	VERB
easat-9128	102	45	the	the	DET
easat-9128	102	46	standardized	standardized	ADJ
easat-9128	102	47	oecd	oecd	PROPN
easat-9128	102	48	/	/	SYM
easat-9128	102	49	infe	infe	ADJ
easat-9128	102	50	financial	financial	ADJ
easat-9128	102	51	literacy	literacy	NOUN
easat-9128	102	52	framework	framework	NOUN
easat-9128	102	53	.	.	PUNCT
easat-9128	103	1	this	this	DET
easat-9128	103	2	framework	framework	NOUN
easat-9128	103	3	evaluates	evaluate	VERB
easat-9128	103	4	financial	financial	ADJ
easat-9128	103	5	knowledge	knowledge	NOUN
easat-9128	103	6	,	,	PUNCT
easat-9128	103	7	behavior	behavior	NOUN
easat-9128	103	8	,	,	PUNCT
easat-9128	103	9	and	and	CCONJ
easat-9128	103	10	attitude	attitude	NOUN
easat-9128	103	11	dimensions	dimension	NOUN
easat-9128	103	12	.	.	PUNCT
easat-9128	104	1	the	the	DET
easat-9128	104	2	relatively	relatively	ADV
easat-9128	104	3	high	high	ADJ
easat-9128	104	4	average	average	ADJ
easat-9128	104	5	score	score	NOUN
easat-9128	104	6	indicates	indicate	VERB
easat-9128	104	7	that	that	SCONJ
easat-9128	104	8	most	most	ADJ
easat-9128	104	9	respondents	respondent	NOUN
easat-9128	104	10	have	have	VERB
easat-9128	104	11	an	an	DET
easat-9128	104	12	adequate	adequate	ADJ
easat-9128	104	13	theoretical	theoretical	ADJ
easat-9128	104	14	understanding	understanding	NOUN
easat-9128	104	15	of	of	ADP
easat-9128	104	16	core	core	ADJ
easat-9128	104	17	financial	financial	ADJ
easat-9128	104	18	principles	principle	NOUN
easat-9128	104	19	.	.	PUNCT
easat-9128	105	1	specifically	specifically	ADV
easat-9128	105	2	,	,	PUNCT
easat-9128	105	3	63	63	NUM
easat-9128	105	4	%	%	NOUN
easat-9128	105	5	of	of	ADP
easat-9128	105	6	participants	participant	NOUN
easat-9128	105	7	correctly	correctly	ADV
easat-9128	105	8	answered	answer	VERB
easat-9128	105	9	questions	question	NOUN
easat-9128	105	10	related	relate	VERB
easat-9128	105	11	to	to	ADP
easat-9128	105	12	inflation	inflation	NOUN
easat-9128	105	13	,	,	PUNCT
easat-9128	105	14	compound	compound	NOUN
easat-9128	105	15	interest	interest	NOUN
easat-9128	105	16	,	,	PUNCT
easat-9128	105	17	budgeting	budgeting	NOUN
easat-9128	105	18	,	,	PUNCT
easat-9128	105	19	and	and	CCONJ
easat-9128	105	20	investment	investment	NOUN
easat-9128	105	21	risk	risk	NOUN
easat-9128	105	22	,	,	PUNCT
easat-9128	105	23	demonstrating	demonstrate	VERB
easat-9128	105	24	foundational	foundational	ADJ
easat-9128	105	25	competence	competence	NOUN
easat-9128	105	26	in	in	ADP
easat-9128	105	27	financial	financial	ADJ
easat-9128	105	28	concepts	concept	NOUN
easat-9128	105	29	.	.	PUNCT
easat-9128	106	1	however	however	ADV
easat-9128	106	2	,	,	PUNCT
easat-9128	106	3	a	a	DET
easat-9128	106	4	deeper	deep	ADJ
easat-9128	106	5	look	look	NOUN
easat-9128	106	6	into	into	ADP
easat-9128	106	7	application	application	NOUN
easat-9128	106	8	-	-	PUNCT
easat-9128	106	9	based	base	VERB
easat-9128	106	10	items	item	NOUN
easat-9128	106	11	revealed	reveal	VERB
easat-9128	106	12	a	a	DET
easat-9128	106	13	significant	significant	ADJ
easat-9128	106	14	performance	performance	NOUN
easat-9128	106	15	gap	gap	NOUN
easat-9128	106	16	.	.	PUNCT
easat-9128	107	1	only	only	ADV
easat-9128	107	2	38	38	NUM
easat-9128	107	3	%	%	NOUN
easat-9128	107	4	of	of	ADP
easat-9128	107	5	respondents	respondent	NOUN
easat-9128	107	6	demonstrated	demonstrate	VERB
easat-9128	107	7	the	the	DET
easat-9128	107	8	ability	ability	NOUN
easat-9128	107	9	to	to	PART
easat-9128	107	10	apply	apply	VERB
easat-9128	107	11	financial	financial	ADJ
easat-9128	107	12	knowledge	knowledge	NOUN
easat-9128	107	13	in	in	ADP
easat-9128	107	14	simulated	simulated	ADJ
easat-9128	107	15	decisionmaking	decisionmake	VERB
easat-9128	107	16	scenarios	scenario	NOUN
easat-9128	107	17	,	,	PUNCT
easat-9128	107	18	such	such	ADJ
easat-9128	107	19	as	as	ADP
easat-9128	107	20	constructing	construct	VERB
easat-9128	107	21	a	a	DET
easat-9128	107	22	diversified	diversified	ADJ
easat-9128	107	23	investment	investment	NOUN
easat-9128	107	24	portfolio	portfolio	NOUN
easat-9128	107	25	or	or	CCONJ
easat-9128	107	26	evaluating	evaluate	VERB
easat-9128	107	27	risk	risk	NOUN
easat-9128	107	28	-	-	PUNCT
easat-9128	107	29	adjusted	adjust	VERB
easat-9128	107	30	returns	return	NOUN
easat-9128	107	31	.	.	PUNCT
easat-9128	108	1	this	this	DET
easat-9128	108	2	finding	finding	NOUN
easat-9128	108	3	suggests	suggest	VERB
easat-9128	108	4	a	a	DET
easat-9128	108	5	disconnect	disconnect	NOUN
easat-9128	108	6	between	between	ADP
easat-9128	108	7	conceptual	conceptual	ADJ
easat-9128	108	8	understanding	understanding	NOUN
easat-9128	108	9	and	and	CCONJ
easat-9128	108	10	practical	practical	ADJ
easat-9128	108	11	application	application	NOUN
easat-9128	108	12	,	,	PUNCT
easat-9128	108	13	indicating	indicate	VERB
easat-9128	108	14	that	that	SCONJ
easat-9128	108	15	while	while	SCONJ
easat-9128	108	16	young	young	ADJ
easat-9128	108	17	investors	investor	NOUN
easat-9128	108	18	may	may	AUX
easat-9128	108	19	grasp	grasp	VERB
easat-9128	108	20	financial	financial	ADJ
easat-9128	108	21	terminology	terminology	NOUN
easat-9128	108	22	,	,	PUNCT
easat-9128	108	23	many	many	ADJ
easat-9128	108	24	lack	lack	VERB
easat-9128	108	25	the	the	DET
easat-9128	108	26	skill	skill	NOUN
easat-9128	108	27	or	or	CCONJ
easat-9128	108	28	confidence	confidence	NOUN
easat-9128	108	29	to	to	PART
easat-9128	108	30	implement	implement	VERB
easat-9128	108	31	strategic	strategic	ADJ
easat-9128	108	32	financial	financial	ADJ
easat-9128	108	33	decisions	decision	NOUN
easat-9128	108	34	in	in	ADP
easat-9128	108	35	real	real	ADJ
easat-9128	108	36	-	-	PUNCT
easat-9128	108	37	world	world	NOUN
easat-9128	108	38	contexts	contexts	NOUN
easat-9128	108	39	[	[	X
easat-9128	108	40	35	35	NUM
easat-9128	108	41	]	]	PUNCT
easat-9128	108	42	.	.	PUNCT
easat-9128	109	1	educational	educational	ADJ
easat-9128	109	2	background	background	NOUN
easat-9128	109	3	played	play	VERB
easat-9128	109	4	a	a	DET
easat-9128	109	5	notable	notable	ADJ
easat-9128	109	6	role	role	NOUN
easat-9128	109	7	in	in	ADP
easat-9128	109	8	determining	determine	VERB
easat-9128	109	9	literacy	literacy	NOUN
easat-9128	109	10	levels	level	NOUN
easat-9128	109	11	.	.	PUNCT
easat-9128	110	1	respondents	respondent	NOUN
easat-9128	110	2	with	with	ADP
easat-9128	110	3	degrees	degree	NOUN
easat-9128	110	4	in	in	ADP
easat-9128	110	5	economics	economic	NOUN
easat-9128	110	6	,	,	PUNCT
easat-9128	110	7	finance	finance	NOUN
easat-9128	110	8	,	,	PUNCT
easat-9128	110	9	or	or	CCONJ
easat-9128	110	10	prior	prior	ADJ
easat-9128	110	11	financial	financial	ADJ
easat-9128	110	12	education	education	NOUN
easat-9128	110	13	scored	score	VERB
easat-9128	110	14	substantially	substantially	ADV
easat-9128	110	15	higher	higher	ADV
easat-9128	110	16	,	,	PUNCT
easat-9128	110	17	with	with	ADP
easat-9128	110	18	an	an	DET
easat-9128	110	19	average	average	ADJ
easat-9128	110	20	score	score	NOUN
easat-9128	110	21	of	of	ADP
easat-9128	110	22	81.7	81.7	NUM
easat-9128	110	23	,	,	PUNCT
easat-9128	110	24	compared	compare	VERB
easat-9128	110	25	to	to	ADP
easat-9128	110	26	65.2	65.2	NUM
easat-9128	110	27	for	for	ADP
easat-9128	110	28	those	those	PRON
easat-9128	110	29	without	without	ADP
easat-9128	110	30	such	such	ADJ
easat-9128	110	31	exposure	exposure	NOUN
easat-9128	110	32	.	.	PUNCT
easat-9128	111	1	this	this	DET
easat-9128	111	2	16.5	16.5	NUM
easat-9128	111	3	-	-	PUNCT
easat-9128	111	4	point	point	NOUN
easat-9128	111	5	gap	gap	NOUN
easat-9128	111	6	highlights	highlight	VERB
easat-9128	111	7	the	the	DET
easat-9128	111	8	value	value	NOUN
easat-9128	111	9	of	of	ADP
easat-9128	111	10	structured	structured	ADJ
easat-9128	111	11	financial	financial	ADJ
easat-9128	111	12	education	education	NOUN
easat-9128	111	13	in	in	ADP
easat-9128	111	14	enhancing	enhance	VERB
easat-9128	111	15	financial	financial	ADJ
easat-9128	111	16	capability	capability	NOUN
easat-9128	111	17	.	.	PUNCT
easat-9128	112	1	in	in	ADP
easat-9128	112	2	terms	term	NOUN
easat-9128	112	3	of	of	ADP
easat-9128	112	4	age	age	NOUN
easat-9128	112	5	distribution	distribution	NOUN
easat-9128	112	6	,	,	PUNCT
easat-9128	112	7	participants	participant	NOUN
easat-9128	112	8	aged	age	VERB
easat-9128	112	9	25–30	25–30	NUM
easat-9128	112	10	years	year	NOUN
easat-9128	112	11	outperformed	outperform	VERB
easat-9128	112	12	their	their	PRON
easat-9128	112	13	younger	young	ADJ
easat-9128	112	14	counterparts	counterpart	NOUN
easat-9128	112	15	,	,	PUNCT
easat-9128	112	16	particularly	particularly	ADV
easat-9128	112	17	those	those	PRON
easat-9128	112	18	in	in	ADP
easat-9128	112	19	the	the	DET
easat-9128	112	20	18	18	NUM
easat-9128	112	21	–	–	SYM
easat-9128	112	22	22	22	NUM
easat-9128	112	23	age	age	NOUN
easat-9128	112	24	group	group	NOUN
easat-9128	112	25	,	,	PUNCT
easat-9128	112	26	who	who	PRON
easat-9128	112	27	showed	show	VERB
easat-9128	112	28	the	the	DET
easat-9128	112	29	lowest	low	ADJ
easat-9128	112	30	levels	level	NOUN
easat-9128	112	31	of	of	ADP
easat-9128	112	32	financial	financial	ADJ
easat-9128	112	33	literacy	literacy	NOUN
easat-9128	112	34	and	and	CCONJ
easat-9128	112	35	practical	practical	ADJ
easat-9128	112	36	competence	competence	NOUN
easat-9128	112	37	.	.	PUNCT
easat-9128	113	1	this	this	DET
easat-9128	113	2	trend	trend	NOUN
easat-9128	113	3	indicates	indicate	VERB
easat-9128	113	4	that	that	SCONJ
easat-9128	113	5	age	age	NOUN
easat-9128	113	6	and	and	CCONJ
easat-9128	113	7	life	life	NOUN
easat-9128	113	8	experience	experience	NOUN
easat-9128	113	9	—	—	PUNCT
easat-9128	113	10	possibly	possibly	ADV
easat-9128	113	11	involving	involve	VERB
easat-9128	113	12	early	early	ADJ
easat-9128	113	13	career	career	NOUN
easat-9128	113	14	exposure	exposure	NOUN
easat-9128	113	15	,	,	PUNCT
easat-9128	113	16	income	income	NOUN
easat-9128	113	17	management	management	NOUN
easat-9128	113	18	,	,	PUNCT
easat-9128	113	19	or	or	CCONJ
easat-9128	113	20	household	household	NOUN
easat-9128	113	21	budgeting	budgeting	NOUN
easat-9128	113	22	—	—	PUNCT
easat-9128	113	23	may	may	AUX
easat-9128	113	24	contribute	contribute	VERB
easat-9128	113	25	to	to	ADP
easat-9128	113	26	more	more	ADV
easat-9128	113	27	robust	robust	ADJ
easat-9128	113	28	financial	financial	ADJ
easat-9128	113	29	understanding	understanding	NOUN
easat-9128	113	30	.	.	PUNCT
easat-9128	114	1	figure	figure	NOUN
easat-9128	114	2	1	1	NUM
easat-9128	114	3	.	.	PUNCT
easat-9128	115	1	graph	graph	NOUN
easat-9128	115	2	understanding	understanding	NOUN
easat-9128	115	3	of	of	ADP
easat-9128	115	4	financial	financial	ADJ
easat-9128	115	5	concepts	concept	NOUN
easat-9128	115	6	.	.	PUNCT
easat-9128	116	1	furthermore	furthermore	ADV
easat-9128	116	2	,	,	PUNCT
easat-9128	116	3	digital	digital	ADJ
easat-9128	116	4	behavior	behavior	NOUN
easat-9128	116	5	analysis	analysis	NOUN
easat-9128	116	6	shows	show	VERB
easat-9128	116	7	that	that	SCONJ
easat-9128	116	8	respondents	respondent	NOUN
easat-9128	116	9	who	who	PRON
easat-9128	116	10	frequently	frequently	ADV
easat-9128	116	11	used	use	VERB
easat-9128	116	12	financial	financial	ADJ
easat-9128	116	13	planning	planning	NOUN
easat-9128	116	14	apps	app	NOUN
easat-9128	116	15	or	or	CCONJ
easat-9128	116	16	fintech	fintech	NOUN
easat-9128	116	17	investment	investment	NOUN
easat-9128	116	18	platforms	platform	NOUN
easat-9128	116	19	tended	tend	VERB
easat-9128	116	20	to	to	PART
easat-9128	116	21	report	report	VERB
easat-9128	116	22	higher	high	ADJ
easat-9128	116	23	literacy	literacy	NOUN
easat-9128	116	24	scores	score	NOUN
easat-9128	116	25	and	and	CCONJ
easat-9128	116	26	stronger	strong	ADJ
easat-9128	116	27	decision	decision	NOUN
easat-9128	116	28	-	-	PUNCT
easat-9128	116	29	making	make	VERB
easat-9128	116	30	confidence	confidence	NOUN
easat-9128	116	31	.	.	PUNCT
easat-9128	117	1	this	this	PRON
easat-9128	117	2	suggests	suggest	VERB
easat-9128	117	3	a	a	DET
easat-9128	117	4	correlation	correlation	NOUN
easat-9128	117	5	between	between	ADP
easat-9128	117	6	digital	digital	ADJ
easat-9128	117	7	financial	financial	ADJ
easat-9128	117	8	engagement	engagement	NOUN
easat-9128	117	9	and	and	CCONJ
easat-9128	117	10	elevated	elevated	ADJ
easat-9128	117	11	financial	financial	ADJ
easat-9128	117	12	capability	capability	NOUN
easat-9128	117	13	,	,	PUNCT
easat-9128	117	14	reinforcing	reinforce	VERB
easat-9128	117	15	the	the	DET
easat-9128	117	16	argument	argument	NOUN
easat-9128	117	17	for	for	ADP
easat-9128	117	18	integrating	integrate	VERB
easat-9128	117	19	digital	digital	ADJ
easat-9128	117	20	tools	tool	NOUN
easat-9128	117	21	into	into	ADP
easat-9128	117	22	financial	financial	ADJ
easat-9128	117	23	literacy	literacy	NOUN
easat-9128	117	24	interventions	intervention	NOUN
easat-9128	117	25	.	.	PUNCT
easat-9128	118	1	nonetheless	nonetheless	ADV
easat-9128	118	2	,	,	PUNCT
easat-9128	118	3	despite	despite	SCONJ
easat-9128	118	4	increased	increase	VERB
easat-9128	118	5	digital	digital	ADJ
easat-9128	118	6	access	access	NOUN
easat-9128	118	7	,	,	PUNCT
easat-9128	118	8	awareness	awareness	NOUN
easat-9128	118	9	of	of	ADP
easat-9128	118	10	financial	financial	ADJ
easat-9128	118	11	fraud	fraud	NOUN
easat-9128	118	12	,	,	PUNCT
easat-9128	118	13	risk	risk	NOUN
easat-9128	118	14	tolerance	tolerance	NOUN
easat-9128	118	15	calibration	calibration	NOUN
easat-9128	118	16	,	,	PUNCT
easat-9128	118	17	and	and	CCONJ
easat-9128	118	18	long	long	ADJ
easat-9128	118	19	-	-	PUNCT
easat-9128	118	20	term	term	NOUN
easat-9128	118	21	wealth	wealth	NOUN
easat-9128	118	22	planning	planning	NOUN
easat-9128	118	23	remains	remain	VERB
easat-9128	118	24	limited	limited	ADJ
easat-9128	118	25	,	,	PUNCT
easat-9128	118	26	especially	especially	ADV
easat-9128	118	27	among	among	ADP
easat-9128	118	28	younger	young	ADJ
easat-9128	118	29	gen	gen	PROPN
easat-9128	118	30	z	z	NOUN
easat-9128	118	31	respondents	respondent	NOUN
easat-9128	118	32	.	.	PUNCT
easat-9128	119	1	this	this	PRON
easat-9128	119	2	supports	support	VERB
easat-9128	119	3	the	the	DET
easat-9128	119	4	need	need	NOUN
easat-9128	119	5	for	for	ADP
easat-9128	119	6	targeted	target	VERB
easat-9128	119	7	,	,	PUNCT
easat-9128	119	8	experiential	experiential	ADJ
easat-9128	119	9	financial	financial	ADJ
easat-9128	119	10	education	education	NOUN
easat-9128	119	11	programs	program	NOUN
easat-9128	119	12	,	,	PUNCT
easat-9128	119	13	particularly	particularly	ADV
easat-9128	119	14	through	through	ADP
easat-9128	119	15	digital	digital	ADJ
easat-9128	119	16	channels	channel	NOUN
easat-9128	119	17	aligned	align	VERB
easat-9128	119	18	with	with	ADP
easat-9128	119	19	youth	youth	NOUN
easat-9128	119	20	behavior	behavior	NOUN
easat-9128	119	21	and	and	CCONJ
easat-9128	119	22	consumption	consumption	NOUN
easat-9128	119	23	patterns	pattern	NOUN
easat-9128	119	24	.	.	PUNCT
easat-9128	120	1	2134	2134	NUM
easat-9128	120	2	edelweiss	edelweiss	PROPN
easat-9128	120	3	applied	apply	VERB
easat-9128	120	4	science	science	NOUN
easat-9128	120	5	and	and	CCONJ
easat-9128	120	6	technology	technology	NOUN
easat-9128	120	7	issn	issn	PROPN
easat-9128	120	8	:	:	PUNCT
easat-9128	120	9	2576	2576	NUM
easat-9128	120	10	-	-	SYM
easat-9128	120	11	8484	8484	NUM
easat-9128	120	12	vol	vol	NOUN
easat-9128	120	13	.	.	PROPN
easat-9128	121	1	9	9	NUM
easat-9128	121	2	,	,	PUNCT
easat-9128	121	3	no	no	INTJ
easat-9128	121	4	.	.	NOUN
easat-9128	121	5	7	7	NUM
easat-9128	121	6	:	:	SYM
easat-9128	121	7	2129	2129	NUM
easat-9128	121	8	-	-	SYM
easat-9128	121	9	2138	2138	NUM
easat-9128	121	10	,	,	PUNCT
easat-9128	121	11	2025	2025	NUM
easat-9128	121	12	doi	doi	NOUN
easat-9128	121	13	:	:	PUNCT
easat-9128	121	14	10.55214/2576	10.55214/2576	NUM
easat-9128	121	15	-	-	PUNCT
easat-9128	121	16	8484.v9i7.9128	8484.v9i7.9128	NOUN
easat-9128	121	17	©	©	NOUN
easat-9128	121	18	2025	2025	NUM
easat-9128	121	19	by	by	ADP
easat-9128	121	20	the	the	DET
easat-9128	121	21	authors	author	NOUN
easat-9128	121	22	;	;	PUNCT
easat-9128	121	23	licensee	licensee	PROPN
easat-9128	121	24	learning	learning	NOUN
easat-9128	121	25	gate	gate	VERB
easat-9128	121	26	4.2	4.2	NUM
easat-9128	121	27	.	.	PUNCT
easat-9128	122	1	digital	digital	ADJ
easat-9128	122	2	investment	investment	NOUN
easat-9128	122	3	decisions	decision	NOUN
easat-9128	122	4	among	among	ADP
easat-9128	122	5	young	young	ADJ
easat-9128	122	6	generations	generation	NOUN
easat-9128	122	7	regarding	regard	VERB
easat-9128	122	8	investment	investment	NOUN
easat-9128	122	9	decisions	decision	NOUN
easat-9128	122	10	,	,	PUNCT
easat-9128	122	11	the	the	DET
easat-9128	122	12	study	study	NOUN
easat-9128	122	13	revealed	reveal	VERB
easat-9128	122	14	that	that	SCONJ
easat-9128	122	15	57	57	NUM
easat-9128	122	16	%	%	NOUN
easat-9128	122	17	of	of	ADP
easat-9128	122	18	respondents	respondent	NOUN
easat-9128	122	19	actively	actively	ADV
easat-9128	122	20	participated	participate	VERB
easat-9128	122	21	in	in	ADP
easat-9128	122	22	digital	digital	ADJ
easat-9128	122	23	investments	investment	NOUN
easat-9128	122	24	over	over	ADP
easat-9128	122	25	the	the	DET
easat-9128	122	26	past	past	ADJ
easat-9128	122	27	six	six	NUM
easat-9128	122	28	months	month	NOUN
easat-9128	122	29	.	.	PUNCT
easat-9128	123	1	this	this	DET
easat-9128	123	2	growing	grow	VERB
easat-9128	123	3	trend	trend	NOUN
easat-9128	123	4	reflects	reflect	VERB
easat-9128	123	5	the	the	DET
easat-9128	123	6	increasing	increase	VERB
easat-9128	123	7	reliance	reliance	NOUN
easat-9128	123	8	on	on	ADP
easat-9128	123	9	digital	digital	ADJ
easat-9128	123	10	platforms	platform	NOUN
easat-9128	123	11	for	for	ADP
easat-9128	123	12	managing	manage	VERB
easat-9128	123	13	financial	financial	ADJ
easat-9128	123	14	portfolios	portfolio	NOUN
easat-9128	123	15	.	.	PUNCT
easat-9128	124	1	the	the	DET
easat-9128	124	2	most	most	ADV
easat-9128	124	3	popular	popular	ADJ
easat-9128	124	4	investment	investment	NOUN
easat-9128	124	5	choices	choice	NOUN
easat-9128	124	6	among	among	ADP
easat-9128	124	7	the	the	DET
easat-9128	124	8	respondents	respondent	NOUN
easat-9128	124	9	were	be	AUX
easat-9128	124	10	mutual	mutual	ADJ
easat-9128	124	11	funds	fund	NOUN
easat-9128	124	12	(	(	PUNCT
easat-9128	124	13	31	31	NUM
easat-9128	124	14	%	%	NOUN
easat-9128	124	15	)	)	PUNCT
easat-9128	124	16	,	,	PUNCT
easat-9128	124	17	stocks	stock	NOUN
easat-9128	124	18	(	(	PUNCT
easat-9128	124	19	27	27	NUM
easat-9128	124	20	%	%	NOUN
easat-9128	124	21	)	)	PUNCT
easat-9128	124	22	,	,	PUNCT
easat-9128	124	23	and	and	CCONJ
easat-9128	124	24	cryptocurrency	cryptocurrency	NOUN
easat-9128	124	25	(	(	PUNCT
easat-9128	124	26	19	19	NUM
easat-9128	124	27	%	%	NOUN
easat-9128	124	28	)	)	PUNCT
easat-9128	124	29	,	,	PUNCT
easat-9128	124	30	which	which	PRON
easat-9128	124	31	indicates	indicate	VERB
easat-9128	124	32	a	a	DET
easat-9128	124	33	diverse	diverse	ADJ
easat-9128	124	34	range	range	NOUN
easat-9128	124	35	of	of	ADP
easat-9128	124	36	preferences	preference	NOUN
easat-9128	124	37	within	within	ADP
easat-9128	124	38	the	the	DET
easat-9128	124	39	young	young	ADJ
easat-9128	124	40	investor	investor	NOUN
easat-9128	124	41	demographic	demographic	ADJ
easat-9128	124	42	.	.	PUNCT
easat-9128	125	1	mutual	mutual	ADJ
easat-9128	125	2	funds	fund	NOUN
easat-9128	125	3	were	be	AUX
easat-9128	125	4	the	the	DET
easat-9128	125	5	most	most	ADV
easat-9128	125	6	favored	favor	VERB
easat-9128	125	7	option	option	NOUN
easat-9128	125	8	,	,	PUNCT
easat-9128	125	9	likely	likely	ADJ
easat-9128	125	10	due	due	ADP
easat-9128	125	11	to	to	ADP
easat-9128	125	12	their	their	PRON
easat-9128	125	13	perceived	perceive	VERB
easat-9128	125	14	lower	low	ADJ
easat-9128	125	15	risk	risk	NOUN
easat-9128	125	16	and	and	CCONJ
easat-9128	125	17	the	the	DET
easat-9128	125	18	ease	ease	NOUN
easat-9128	125	19	of	of	ADP
easat-9128	125	20	access	access	NOUN
easat-9128	125	21	via	via	ADP
easat-9128	125	22	digital	digital	ADJ
easat-9128	125	23	platforms	platform	NOUN
easat-9128	125	24	,	,	PUNCT
easat-9128	125	25	which	which	PRON
easat-9128	125	26	have	have	AUX
easat-9128	125	27	become	become	VERB
easat-9128	125	28	more	more	ADV
easat-9128	125	29	integrated	integrate	VERB
easat-9128	125	30	into	into	ADP
easat-9128	125	31	financial	financial	ADJ
easat-9128	125	32	decision	decision	NOUN
easat-9128	125	33	-	-	PUNCT
easat-9128	125	34	making	make	VERB
easat-9128	125	35	processes	process	NOUN
easat-9128	125	36	.	.	PUNCT
easat-9128	126	1	stocks	stock	NOUN
easat-9128	126	2	,	,	PUNCT
easat-9128	126	3	representing	represent	VERB
easat-9128	126	4	a	a	DET
easat-9128	126	5	more	more	ADV
easat-9128	126	6	direct	direct	ADJ
easat-9128	126	7	and	and	CCONJ
easat-9128	126	8	potentially	potentially	ADV
easat-9128	126	9	higher	high	ADJ
easat-9128	126	10	-	-	PUNCT
easat-9128	126	11	reward	reward	NOUN
easat-9128	126	12	investment	investment	NOUN
easat-9128	126	13	vehicle	vehicle	NOUN
easat-9128	126	14	,	,	PUNCT
easat-9128	126	15	were	be	AUX
easat-9128	126	16	the	the	DET
easat-9128	126	17	second	second	ADJ
easat-9128	126	18	most	most	ADV
easat-9128	126	19	popular	popular	ADJ
easat-9128	126	20	choice	choice	NOUN
easat-9128	126	21	.	.	PUNCT
easat-9128	127	1	meanwhile	meanwhile	ADV
easat-9128	127	2	,	,	PUNCT
easat-9128	127	3	cryptocurrency	cryptocurrency	NOUN
easat-9128	127	4	,	,	PUNCT
easat-9128	127	5	despite	despite	SCONJ
easat-9128	127	6	its	its	PRON
easat-9128	127	7	volatile	volatile	ADJ
easat-9128	127	8	nature	nature	NOUN
easat-9128	127	9	,	,	PUNCT
easat-9128	127	10	garnered	garner	VERB
easat-9128	127	11	interest	interest	NOUN
easat-9128	127	12	from	from	ADP
easat-9128	127	13	19	19	NUM
easat-9128	127	14	%	%	NOUN
easat-9128	127	15	of	of	ADP
easat-9128	127	16	respondents	respondent	NOUN
easat-9128	127	17	,	,	PUNCT
easat-9128	127	18	aligning	align	VERB
easat-9128	127	19	with	with	ADP
easat-9128	127	20	the	the	DET
easat-9128	127	21	increasing	increase	VERB
easat-9128	127	22	visibility	visibility	NOUN
easat-9128	127	23	and	and	CCONJ
easat-9128	127	24	hype	hype	NOUN
easat-9128	127	25	surrounding	surround	VERB
easat-9128	127	26	digital	digital	ADJ
easat-9128	127	27	currencies	currency	NOUN
easat-9128	127	28	,	,	PUNCT
easat-9128	127	29	particularly	particularly	ADV
easat-9128	127	30	among	among	ADP
easat-9128	127	31	younger	young	ADJ
easat-9128	127	32	generations	generation	NOUN
easat-9128	127	33	who	who	PRON
easat-9128	127	34	are	be	AUX
easat-9128	127	35	often	often	ADV
easat-9128	127	36	more	more	ADV
easat-9128	127	37	open	open	ADJ
easat-9128	127	38	to	to	ADP
easat-9128	127	39	new	new	ADJ
easat-9128	127	40	financial	financial	ADJ
easat-9128	127	41	technologies	technology	NOUN
easat-9128	127	42	.	.	PUNCT
easat-9128	128	1	the	the	DET
easat-9128	128	2	primary	primary	ADJ
easat-9128	128	3	motivation	motivation	NOUN
easat-9128	128	4	behind	behind	ADP
easat-9128	128	5	these	these	DET
easat-9128	128	6	investment	investment	NOUN
easat-9128	128	7	decisions	decision	NOUN
easat-9128	128	8	was	be	AUX
easat-9128	128	9	long	long	ADJ
easat-9128	128	10	-	-	PUNCT
easat-9128	128	11	term	term	NOUN
easat-9128	128	12	financial	financial	ADJ
easat-9128	128	13	goals	goal	NOUN
easat-9128	128	14	,	,	PUNCT
easat-9128	128	15	with	with	ADP
easat-9128	128	16	many	many	ADJ
easat-9128	128	17	respondents	respondent	NOUN
easat-9128	128	18	citing	cite	VERB
easat-9128	128	19	future	future	ADJ
easat-9128	128	20	savings	saving	NOUN
easat-9128	128	21	and	and	CCONJ
easat-9128	128	22	retirement	retirement	NOUN
easat-9128	128	23	as	as	ADP
easat-9128	128	24	key	key	ADJ
easat-9128	128	25	drivers	driver	NOUN
easat-9128	128	26	.	.	PUNCT
easat-9128	129	1	this	this	PRON
easat-9128	129	2	suggests	suggest	VERB
easat-9128	129	3	that	that	SCONJ
easat-9128	129	4	,	,	PUNCT
easat-9128	129	5	despite	despite	SCONJ
easat-9128	129	6	the	the	DET
easat-9128	129	7	challenges	challenge	NOUN
easat-9128	129	8	and	and	CCONJ
easat-9128	129	9	risks	risk	NOUN
easat-9128	129	10	associated	associate	VERB
easat-9128	129	11	with	with	ADP
easat-9128	129	12	investing	invest	VERB
easat-9128	129	13	in	in	ADP
easat-9128	129	14	volatile	volatile	ADJ
easat-9128	129	15	markets	market	NOUN
easat-9128	129	16	,	,	PUNCT
easat-9128	129	17	young	young	ADJ
easat-9128	129	18	investors	investor	NOUN
easat-9128	129	19	are	be	AUX
easat-9128	129	20	increasingly	increasingly	ADV
easat-9128	129	21	considering	consider	VERB
easat-9128	129	22	the	the	DET
easat-9128	129	23	long	long	ADJ
easat-9128	129	24	-	-	PUNCT
easat-9128	129	25	term	term	NOUN
easat-9128	129	26	benefits	benefit	NOUN
easat-9128	129	27	of	of	ADP
easat-9128	129	28	their	their	PRON
easat-9128	129	29	financial	financial	ADJ
easat-9128	129	30	choices	choice	NOUN
easat-9128	129	31	.	.	PUNCT
easat-9128	130	1	the	the	DET
easat-9128	130	2	ease	ease	NOUN
easat-9128	130	3	of	of	ADP
easat-9128	130	4	digital	digital	ADJ
easat-9128	130	5	access	access	NOUN
easat-9128	130	6	played	play	VERB
easat-9128	130	7	a	a	DET
easat-9128	130	8	crucial	crucial	ADJ
easat-9128	130	9	role	role	NOUN
easat-9128	130	10	in	in	ADP
easat-9128	130	11	these	these	DET
easat-9128	130	12	decisions	decision	NOUN
easat-9128	130	13	,	,	PUNCT
easat-9128	130	14	as	as	SCONJ
easat-9128	130	15	respondents	respondent	NOUN
easat-9128	130	16	highlighted	highlight	VERB
easat-9128	130	17	the	the	DET
easat-9128	130	18	convenience	convenience	NOUN
easat-9128	130	19	of	of	ADP
easat-9128	130	20	online	online	ADJ
easat-9128	130	21	platforms	platform	NOUN
easat-9128	130	22	in	in	ADP
easat-9128	130	23	facilitating	facilitate	VERB
easat-9128	130	24	quick	quick	ADJ
easat-9128	130	25	,	,	PUNCT
easat-9128	130	26	informed	inform	VERB
easat-9128	130	27	,	,	PUNCT
easat-9128	130	28	and	and	CCONJ
easat-9128	130	29	manageable	manageable	ADJ
easat-9128	130	30	investment	investment	NOUN
easat-9128	130	31	decisions	decision	NOUN
easat-9128	130	32	.	.	PUNCT
easat-9128	131	1	additionally	additionally	ADV
easat-9128	131	2	,	,	PUNCT
easat-9128	131	3	recommendations	recommendation	NOUN
easat-9128	131	4	from	from	ADP
easat-9128	131	5	social	social	ADJ
easat-9128	131	6	media	medium	NOUN
easat-9128	131	7	influencers	influencer	NOUN
easat-9128	131	8	and	and	CCONJ
easat-9128	131	9	financial	financial	ADJ
easat-9128	131	10	advisors	advisor	NOUN
easat-9128	131	11	online	online	ADV
easat-9128	131	12	had	have	VERB
easat-9128	131	13	a	a	DET
easat-9128	131	14	substantial	substantial	ADJ
easat-9128	131	15	impact	impact	NOUN
easat-9128	131	16	on	on	ADP
easat-9128	131	17	respondents	respondent	NOUN
easat-9128	131	18	'	'	PART
easat-9128	131	19	choices	choice	NOUN
easat-9128	131	20	,	,	PUNCT
easat-9128	131	21	with	with	ADP
easat-9128	131	22	many	many	ADJ
easat-9128	131	23	acknowledging	acknowledge	VERB
easat-9128	131	24	the	the	DET
easat-9128	131	25	role	role	NOUN
easat-9128	131	26	of	of	ADP
easat-9128	131	27	these	these	DET
easat-9128	131	28	sources	source	NOUN
easat-9128	131	29	in	in	ADP
easat-9128	131	30	shaping	shape	VERB
easat-9128	131	31	their	their	PRON
easat-9128	131	32	investment	investment	NOUN
easat-9128	131	33	strategies	strategy	NOUN
easat-9128	131	34	.	.	PUNCT
easat-9128	132	1	however	however	ADV
easat-9128	132	2	,	,	PUNCT
easat-9128	132	3	a	a	DET
easat-9128	132	4	deeper	deep	ADJ
easat-9128	132	5	analysis	analysis	NOUN
easat-9128	132	6	of	of	ADP
easat-9128	132	7	the	the	DET
easat-9128	132	8	data	datum	NOUN
easat-9128	132	9	exposed	expose	VERB
easat-9128	132	10	significant	significant	ADJ
easat-9128	132	11	gaps	gap	NOUN
easat-9128	132	12	in	in	ADP
easat-9128	132	13	investment	investment	NOUN
easat-9128	132	14	practices	practice	NOUN
easat-9128	132	15	.	.	PUNCT
easat-9128	133	1	while	while	SCONJ
easat-9128	133	2	57	57	NUM
easat-9128	133	3	%	%	NOUN
easat-9128	133	4	of	of	ADP
easat-9128	133	5	respondents	respondent	NOUN
easat-9128	133	6	were	be	AUX
easat-9128	133	7	active	active	ADJ
easat-9128	133	8	digital	digital	ADJ
easat-9128	133	9	investors	investor	NOUN
easat-9128	133	10	,	,	PUNCT
easat-9128	133	11	only	only	ADV
easat-9128	133	12	42	42	NUM
easat-9128	133	13	%	%	NOUN
easat-9128	133	14	of	of	ADP
easat-9128	133	15	them	they	PRON
easat-9128	133	16	held	hold	VERB
easat-9128	133	17	well	well	ADV
easat-9128	133	18	-	-	PUNCT
easat-9128	133	19	diversified	diversify	VERB
easat-9128	133	20	portfolios	portfolio	NOUN
easat-9128	133	21	,	,	PUNCT
easat-9128	133	22	which	which	PRON
easat-9128	133	23	is	be	AUX
easat-9128	133	24	essential	essential	ADJ
easat-9128	133	25	for	for	ADP
easat-9128	133	26	mitigating	mitigate	VERB
easat-9128	133	27	risk	risk	NOUN
easat-9128	133	28	and	and	CCONJ
easat-9128	133	29	maximizing	maximize	VERB
easat-9128	133	30	returns	return	NOUN
easat-9128	133	31	over	over	ADP
easat-9128	133	32	the	the	DET
easat-9128	133	33	long	long	ADJ
easat-9128	133	34	term	term	NOUN
easat-9128	133	35	.	.	PUNCT
easat-9128	134	1	this	this	PRON
easat-9128	134	2	suggests	suggest	VERB
easat-9128	134	3	that	that	SCONJ
easat-9128	134	4	many	many	ADJ
easat-9128	134	5	young	young	ADJ
easat-9128	134	6	investors	investor	NOUN
easat-9128	134	7	still	still	ADV
easat-9128	134	8	lack	lack	VERB
easat-9128	134	9	a	a	DET
easat-9128	134	10	comprehensive	comprehensive	ADJ
easat-9128	134	11	understanding	understanding	NOUN
easat-9128	134	12	of	of	ADP
easat-9128	134	13	portfolio	portfolio	NOUN
easat-9128	134	14	management	management	NOUN
easat-9128	134	15	.	.	PUNCT
easat-9128	135	1	instead	instead	ADV
easat-9128	135	2	,	,	PUNCT
easat-9128	135	3	many	many	PRON
easat-9128	135	4	tended	tend	VERB
easat-9128	135	5	to	to	PART
easat-9128	135	6	make	make	VERB
easat-9128	135	7	investment	investment	NOUN
easat-9128	135	8	decisions	decision	NOUN
easat-9128	135	9	based	base	VERB
easat-9128	135	10	on	on	ADP
easat-9128	135	11	market	market	NOUN
easat-9128	135	12	trends	trend	NOUN
easat-9128	135	13	and	and	CCONJ
easat-9128	135	14	short	short	ADJ
easat-9128	135	15	-	-	PUNCT
easat-9128	135	16	term	term	NOUN
easat-9128	135	17	sentiment	sentiment	NOUN
easat-9128	135	18	,	,	PUNCT
easat-9128	135	19	influenced	influence	VERB
easat-9128	135	20	by	by	ADP
easat-9128	135	21	the	the	DET
easat-9128	135	22	constant	constant	ADJ
easat-9128	135	23	flow	flow	NOUN
easat-9128	135	24	of	of	ADP
easat-9128	135	25	financial	financial	ADJ
easat-9128	135	26	information	information	NOUN
easat-9128	135	27	in	in	ADP
easat-9128	135	28	digital	digital	ADJ
easat-9128	135	29	environments	environment	NOUN
easat-9128	135	30	.	.	PUNCT
easat-9128	136	1	this	this	DET
easat-9128	136	2	behavior	behavior	NOUN
easat-9128	136	3	exposes	expose	VERB
easat-9128	136	4	a	a	DET
easat-9128	136	5	critical	critical	ADJ
easat-9128	136	6	flaw	flaw	NOUN
easat-9128	136	7	in	in	ADP
easat-9128	136	8	the	the	DET
easat-9128	136	9	decision	decision	NOUN
easat-9128	136	10	-	-	PUNCT
easat-9128	136	11	making	make	VERB
easat-9128	136	12	process	process	NOUN
easat-9128	136	13	,	,	PUNCT
easat-9128	136	14	as	as	SCONJ
easat-9128	136	15	it	it	PRON
easat-9128	136	16	highlights	highlight	VERB
easat-9128	136	17	the	the	DET
easat-9128	136	18	tendency	tendency	NOUN
easat-9128	136	19	to	to	PART
easat-9128	136	20	rely	rely	VERB
easat-9128	136	21	on	on	ADP
easat-9128	136	22	external	external	ADJ
easat-9128	136	23	factors	factor	NOUN
easat-9128	136	24	,	,	PUNCT
easat-9128	136	25	such	such	ADJ
easat-9128	136	26	as	as	ADP
easat-9128	136	27	hype	hype	NOUN
easat-9128	136	28	or	or	CCONJ
easat-9128	136	29	fleeting	fleeting	ADJ
easat-9128	136	30	market	market	NOUN
easat-9128	136	31	trends	trend	NOUN
easat-9128	136	32	,	,	PUNCT
easat-9128	136	33	rather	rather	ADV
easat-9128	136	34	than	than	ADP
easat-9128	136	35	thorough	thorough	ADJ
easat-9128	136	36	,	,	PUNCT
easat-9128	136	37	well	well	ADV
easat-9128	136	38	-	-	PUNCT
easat-9128	136	39	researched	research	VERB
easat-9128	136	40	,	,	PUNCT
easat-9128	136	41	and	and	CCONJ
easat-9128	136	42	disciplined	discipline	VERB
easat-9128	136	43	investment	investment	NOUN
easat-9128	136	44	strategies	strategy	NOUN
easat-9128	136	45	.	.	PUNCT
easat-9128	137	1	the	the	DET
easat-9128	137	2	findings	finding	NOUN
easat-9128	137	3	of	of	ADP
easat-9128	137	4	this	this	DET
easat-9128	137	5	study	study	NOUN
easat-9128	137	6	resonate	resonate	VERB
easat-9128	137	7	with	with	ADP
easat-9128	137	8	the	the	DET
easat-9128	137	9	oecd	oecd	PROPN
easat-9128	137	10	's	's	PART
easat-9128	137	11	2022	2022	NUM
easat-9128	137	12	report	report	NOUN
easat-9128	137	13	,	,	PUNCT
easat-9128	137	14	which	which	PRON
easat-9128	137	15	noted	note	VERB
easat-9128	137	16	gen	gen	PROPN
easat-9128	137	17	z	z	PROPN
easat-9128	137	18	's	's	PART
easat-9128	137	19	vulnerability	vulnerability	NOUN
easat-9128	137	20	to	to	ADP
easat-9128	137	21	external	external	ADJ
easat-9128	137	22	influences	influence	NOUN
easat-9128	137	23	in	in	ADP
easat-9128	137	24	digital	digital	ADJ
easat-9128	137	25	spaces	space	NOUN
easat-9128	137	26	.	.	PUNCT
easat-9128	138	1	the	the	DET
easat-9128	138	2	report	report	NOUN
easat-9128	138	3	pointed	point	VERB
easat-9128	138	4	out	out	ADP
easat-9128	138	5	that	that	SCONJ
easat-9128	138	6	young	young	ADJ
easat-9128	138	7	investors	investor	NOUN
easat-9128	138	8	are	be	AUX
easat-9128	138	9	often	often	ADV
easat-9128	138	10	exposed	expose	VERB
easat-9128	138	11	to	to	ADP
easat-9128	138	12	unreliable	unreliable	ADJ
easat-9128	138	13	or	or	CCONJ
easat-9128	138	14	biased	biased	ADJ
easat-9128	138	15	financial	financial	ADJ
easat-9128	138	16	information	information	NOUN
easat-9128	138	17	online	online	ADV
easat-9128	138	18	,	,	PUNCT
easat-9128	138	19	which	which	PRON
easat-9128	138	20	can	can	AUX
easat-9128	138	21	lead	lead	VERB
easat-9128	138	22	to	to	ADP
easat-9128	138	23	suboptimal	suboptimal	ADJ
easat-9128	138	24	investment	investment	NOUN
easat-9128	138	25	decisions	decision	NOUN
easat-9128	138	26	.	.	PUNCT
easat-9128	139	1	the	the	DET
easat-9128	139	2	ease	ease	NOUN
easat-9128	139	3	of	of	ADP
easat-9128	139	4	access	access	NOUN
easat-9128	139	5	to	to	ADP
easat-9128	139	6	digital	digital	ADJ
easat-9128	139	7	platforms	platform	NOUN
easat-9128	139	8	and	and	CCONJ
easat-9128	139	9	the	the	DET
easat-9128	139	10	prevalence	prevalence	NOUN
easat-9128	139	11	of	of	ADP
easat-9128	139	12	social	social	ADJ
easat-9128	139	13	media	medium	NOUN
easat-9128	139	14	-	-	PUNCT
easat-9128	139	15	driven	drive	VERB
easat-9128	139	16	investment	investment	NOUN
easat-9128	139	17	advice	advice	NOUN
easat-9128	139	18	create	create	VERB
easat-9128	139	19	an	an	DET
easat-9128	139	20	environment	environment	NOUN
easat-9128	139	21	where	where	SCONJ
easat-9128	139	22	individuals	individual	NOUN
easat-9128	139	23	may	may	AUX
easat-9128	139	24	prioritize	prioritize	VERB
easat-9128	139	25	short	short	ADJ
easat-9128	139	26	-	-	PUNCT
easat-9128	139	27	term	term	NOUN
easat-9128	139	28	gains	gain	NOUN
easat-9128	139	29	over	over	ADP
easat-9128	139	30	longterm	longterm	ADJ
easat-9128	139	31	financial	financial	ADJ
easat-9128	139	32	security	security	NOUN
easat-9128	139	33	,	,	PUNCT
easat-9128	139	34	ultimately	ultimately	ADV
easat-9128	139	35	undermining	undermine	VERB
easat-9128	139	36	their	their	PRON
easat-9128	139	37	ability	ability	NOUN
easat-9128	139	38	to	to	PART
easat-9128	139	39	make	make	VERB
easat-9128	139	40	informed	inform	VERB
easat-9128	139	41	,	,	PUNCT
easat-9128	139	42	rational	rational	ADJ
easat-9128	139	43	investment	investment	NOUN
easat-9128	139	44	choices	choice	NOUN
easat-9128	139	45	.	.	PUNCT
easat-9128	140	1	this	this	DET
easat-9128	140	2	situation	situation	NOUN
easat-9128	140	3	underscores	underscore	VERB
easat-9128	140	4	the	the	DET
easat-9128	140	5	urgent	urgent	ADJ
easat-9128	140	6	need	need	NOUN
easat-9128	140	7	for	for	ADP
easat-9128	140	8	enhanced	enhanced	ADJ
easat-9128	140	9	financial	financial	ADJ
easat-9128	140	10	literacy	literacy	NOUN
easat-9128	140	11	programs	program	NOUN
easat-9128	140	12	that	that	PRON
easat-9128	140	13	go	go	VERB
easat-9128	140	14	beyond	beyond	ADP
easat-9128	140	15	basic	basic	ADJ
easat-9128	140	16	investment	investment	NOUN
easat-9128	140	17	knowledge	knowledge	NOUN
easat-9128	140	18	and	and	CCONJ
easat-9128	140	19	delve	delve	VERB
easat-9128	140	20	into	into	ADP
easat-9128	140	21	more	more	ADV
easat-9128	140	22	advanced	advanced	ADJ
easat-9128	140	23	concepts	concept	NOUN
easat-9128	140	24	like	like	ADP
easat-9128	140	25	portfolio	portfolio	NOUN
easat-9128	140	26	diversification	diversification	NOUN
easat-9128	140	27	,	,	PUNCT
easat-9128	140	28	risk	risk	NOUN
easat-9128	140	29	analysis	analysis	NOUN
easat-9128	140	30	,	,	PUNCT
easat-9128	140	31	and	and	CCONJ
easat-9128	140	32	behavioral	behavioral	ADJ
easat-9128	140	33	finance	finance	NOUN
easat-9128	140	34	.	.	PUNCT
easat-9128	141	1	additionally	additionally	ADV
easat-9128	141	2	,	,	PUNCT
easat-9128	141	3	the	the	DET
easat-9128	141	4	study	study	NOUN
easat-9128	141	5	suggests	suggest	VERB
easat-9128	141	6	the	the	DET
easat-9128	141	7	importance	importance	NOUN
easat-9128	141	8	of	of	ADP
easat-9128	141	9	integrating	integrate	VERB
easat-9128	141	10	these	these	DET
easat-9128	141	11	educational	educational	ADJ
easat-9128	141	12	tools	tool	NOUN
easat-9128	141	13	into	into	ADP
easat-9128	141	14	digital	digital	ADJ
easat-9128	141	15	platforms	platform	NOUN
easat-9128	141	16	,	,	PUNCT
easat-9128	141	17	which	which	PRON
easat-9128	141	18	are	be	AUX
easat-9128	141	19	the	the	DET
easat-9128	141	20	primary	primary	ADJ
easat-9128	141	21	sources	source	NOUN
easat-9128	141	22	of	of	ADP
easat-9128	141	23	information	information	NOUN
easat-9128	141	24	for	for	ADP
easat-9128	141	25	most	most	ADJ
easat-9128	141	26	young	young	ADJ
easat-9128	141	27	investors	investor	NOUN
easat-9128	141	28	.	.	PUNCT
easat-9128	142	1	by	by	ADP
easat-9128	142	2	addressing	address	VERB
easat-9128	142	3	these	these	DET
easat-9128	142	4	gaps	gap	NOUN
easat-9128	142	5	and	and	CCONJ
easat-9128	142	6	providing	provide	VERB
easat-9128	142	7	more	more	ADV
easat-9128	142	8	structured	structured	ADJ
easat-9128	142	9	,	,	PUNCT
easat-9128	142	10	reliable	reliable	ADJ
easat-9128	142	11	financial	financial	ADJ
easat-9128	142	12	education	education	NOUN
easat-9128	142	13	,	,	PUNCT
easat-9128	142	14	there	there	PRON
easat-9128	142	15	is	be	VERB
easat-9128	142	16	potential	potential	ADJ
easat-9128	142	17	to	to	PART
easat-9128	142	18	improve	improve	VERB
easat-9128	142	19	decision	decision	NOUN
easat-9128	142	20	-	-	PUNCT
easat-9128	142	21	making	making	NOUN
easat-9128	142	22	and	and	CCONJ
easat-9128	142	23	mitigate	mitigate	VERB
easat-9128	142	24	the	the	DET
easat-9128	142	25	impact	impact	NOUN
easat-9128	142	26	of	of	ADP
easat-9128	142	27	external	external	ADJ
easat-9128	142	28	and	and	CCONJ
easat-9128	142	29	sometimes	sometimes	ADV
easat-9128	142	30	misleading	mislead	VERB
easat-9128	142	31	financial	financial	ADJ
easat-9128	142	32	influences	influence	NOUN
easat-9128	142	33	on	on	ADP
easat-9128	142	34	younger	young	ADJ
easat-9128	142	35	generations	generation	NOUN
easat-9128	142	36	.	.	PUNCT
easat-9128	143	1	4.3	4.3	NUM
easat-9128	143	2	.	.	PUNCT
easat-9128	144	1	regression	regression	NOUN
easat-9128	144	2	test	test	NOUN
easat-9128	144	3	results	result	NOUN
easat-9128	144	4	and	and	CCONJ
easat-9128	144	5	interpretation	interpretation	NOUN
easat-9128	144	6	multiple	multiple	ADJ
easat-9128	144	7	linear	linear	PROPN
easat-9128	144	8	regression	regression	NOUN
easat-9128	144	9	analysis	analysis	NOUN
easat-9128	144	10	reveals	reveal	VERB
easat-9128	144	11	that	that	SCONJ
easat-9128	144	12	financial	financial	ADJ
easat-9128	144	13	literacy	literacy	NOUN
easat-9128	144	14	significantly	significantly	ADV
easat-9128	144	15	influences	influence	VERB
easat-9128	144	16	digital	digital	ADJ
easat-9128	144	17	investment	investment	NOUN
easat-9128	144	18	decisions	decision	NOUN
easat-9128	144	19	.	.	PUNCT
easat-9128	145	1	a	a	DET
easat-9128	145	2	regression	regression	NOUN
easat-9128	145	3	coefficient	coefficient	NOUN
easat-9128	145	4	of	of	ADP
easat-9128	145	5	β	β	X
easat-9128	145	6	=	=	SYM
easat-9128	145	7	0.413	0.413	NUM
easat-9128	145	8	(	(	PUNCT
easat-9128	145	9	p	p	X
easat-9128	145	10	<	<	X
easat-9128	145	11	0.01	0.01	NUM
easat-9128	145	12	)	)	PUNCT
easat-9128	145	13	suggests	suggest	VERB
easat-9128	145	14	that	that	SCONJ
easat-9128	145	15	each	each	DET
easat-9128	145	16	unit	unit	NOUN
easat-9128	145	17	increase	increase	VERB
easat-9128	145	18	in	in	ADP
easat-9128	145	19	financial	financial	ADJ
easat-9128	145	20	literacy	literacy	NOUN
easat-9128	145	21	corresponds	correspond	VERB
easat-9128	145	22	to	to	ADP
easat-9128	145	23	a	a	DET
easat-9128	145	24	0.413	0.413	NUM
easat-9128	145	25	-	-	PUNCT
easat-9128	145	26	point	point	NOUN
easat-9128	145	27	increase	increase	NOUN
easat-9128	145	28	in	in	ADP
easat-9128	145	29	investment	investment	NOUN
easat-9128	145	30	decision	decision	NOUN
easat-9128	145	31	scores	score	NOUN
easat-9128	145	32	.	.	PUNCT
easat-9128	146	1	the	the	DET
easat-9128	146	2	r²	r²	NOUN
easat-9128	146	3	value	value	NOUN
easat-9128	146	4	of	of	ADP
easat-9128	146	5	0.362	0.362	NUM
easat-9128	146	6	indicates	indicate	VERB
easat-9128	146	7	that	that	SCONJ
easat-9128	146	8	36.2	36.2	NUM
easat-9128	146	9	%	%	NOUN
easat-9128	146	10	of	of	ADP
easat-9128	146	11	the	the	DET
easat-9128	146	12	variance	variance	NOUN
easat-9128	146	13	in	in	ADP
easat-9128	146	14	investment	investment	NOUN
easat-9128	146	15	decisions	decision	NOUN
easat-9128	146	16	can	can	AUX
easat-9128	146	17	be	be	AUX
easat-9128	146	18	explained	explain	VERB
easat-9128	146	19	by	by	ADP
easat-9128	146	20	financial	financial	ADJ
easat-9128	146	21	literacy	literacy	NOUN
easat-9128	146	22	levels	level	NOUN
easat-9128	146	23	.	.	PUNCT
easat-9128	147	1	2135	2135	NUM
easat-9128	147	2	edelweiss	edelweiss	PROPN
easat-9128	147	3	applied	apply	VERB
easat-9128	147	4	science	science	NOUN
easat-9128	147	5	and	and	CCONJ
easat-9128	147	6	technology	technology	NOUN
easat-9128	147	7	issn	issn	PROPN
easat-9128	147	8	:	:	PUNCT
easat-9128	147	9	2576	2576	NUM
easat-9128	147	10	-	-	SYM
easat-9128	147	11	8484	8484	NUM
easat-9128	147	12	vol	vol	NOUN
easat-9128	147	13	.	.	PROPN
easat-9128	148	1	9	9	NUM
easat-9128	148	2	,	,	PUNCT
easat-9128	148	3	no	no	INTJ
easat-9128	148	4	.	.	NOUN
easat-9128	148	5	7	7	NUM
easat-9128	148	6	:	:	SYM
easat-9128	148	7	2129	2129	NUM
easat-9128	148	8	-	-	SYM
easat-9128	148	9	2138	2138	NUM
easat-9128	148	10	,	,	PUNCT
easat-9128	148	11	2025	2025	NUM
easat-9128	148	12	doi	doi	NOUN
easat-9128	148	13	:	:	PUNCT
easat-9128	148	14	10.55214/2576	10.55214/2576	NUM
easat-9128	148	15	-	-	PUNCT
easat-9128	148	16	8484.v9i7.9128	8484.v9i7.9128	NOUN
easat-9128	148	17	©	©	NOUN
easat-9128	148	18	2025	2025	NUM
easat-9128	148	19	by	by	ADP
easat-9128	148	20	the	the	DET
easat-9128	148	21	authors	author	NOUN
easat-9128	148	22	;	;	PUNCT
easat-9128	148	23	licensee	licensee	PROPN
easat-9128	148	24	learning	learn	VERB
easat-9128	148	25	gate	gate	NOUN
easat-9128	148	26	table	table	NOUN
easat-9128	148	27	1	1	NUM
easat-9128	148	28	.	.	PUNCT
easat-9128	148	29	multiple	multiple	ADJ
easat-9128	148	30	linear	linear	ADJ
easat-9128	148	31	regression	regression	NOUN
easat-9128	148	32	analysis	analysis	NOUN
easat-9128	148	33	of	of	ADP
easat-9128	148	34	financial	financial	ADJ
easat-9128	148	35	literacy	literacy	NOUN
easat-9128	148	36	and	and	CCONJ
easat-9128	148	37	its	its	PRON
easat-9128	148	38	sub	sub	NOUN
easat-9128	148	39	-	-	NOUN
easat-9128	148	40	factors	factor	NOUN
easat-9128	148	41	on	on	ADP
easat-9128	148	42	investment	investment	NOUN
easat-9128	148	43	decisions	decision	NOUN
easat-9128	148	44	.	.	PUNCT
easat-9128	149	1	variable	variable	ADJ
easat-9128	149	2	regression	regression	NOUN
easat-9128	149	3	coefficient	coefficient	NOUN
easat-9128	149	4	(	(	PUNCT
easat-9128	149	5	β	β	NOUN
easat-9128	149	6	)	)	PUNCT
easat-9128	149	7	standard	standard	ADJ
easat-9128	149	8	error	error	NOUN
easat-9128	149	9	(	(	PUNCT
easat-9128	149	10	se	se	ADJ
easat-9128	149	11	)	)	PUNCT
easat-9128	149	12	tvalue	tvalue	NOUN
easat-9128	149	13	pvalue	pvalue	NOUN
easat-9128	149	14	significance	significance	NOUN
easat-9128	149	15	financial	financial	ADJ
easat-9128	149	16	literacy	literacy	NOUN
easat-9128	149	17	0.413	0.413	NUM
easat-9128	149	18	0.058	0.058	NUM
easat-9128	149	19	7.12	7.12	NUM
easat-9128	149	20	<	<	X
easat-9128	149	21	0.01	0.01	NUM
easat-9128	149	22	significant	significant	ADJ
easat-9128	149	23	risk	risk	NOUN
easat-9128	149	24	knowledge	knowledge	NOUN
easat-9128	149	25	(	(	PUNCT
easat-9128	149	26	sub	sub	ADJ
easat-9128	149	27	-	-	NOUN
easat-9128	149	28	factor	factor	NOUN
easat-9128	149	29	)	)	PUNCT
easat-9128	149	30	0.310	0.310	NUM
easat-9128	149	31	0.045	0.045	NUM
easat-9128	149	32	6.89	6.89	NUM
easat-9128	149	33	<	<	X
easat-9128	149	34	0.01	0.01	NUM
easat-9128	149	35	significant	significant	ADJ
easat-9128	149	36	market	market	NOUN
easat-9128	149	37	understanding	understanding	NOUN
easat-9128	149	38	(	(	PUNCT
easat-9128	149	39	sub	sub	ADJ
easat-9128	149	40	-	-	NOUN
easat-9128	149	41	factor	factor	NOUN
easat-9128	149	42	)	)	PUNCT
easat-9128	149	43	0.254	0.254	NUM
easat-9128	149	44	0.039	0.039	NUM
easat-9128	149	45	6.51	6.51	NUM
easat-9128	149	46	<	<	X
easat-9128	149	47	0.01	0.01	NUM
easat-9128	149	48	significant	significant	ADJ
easat-9128	149	49	these	these	DET
easat-9128	149	50	findings	finding	NOUN
easat-9128	149	51	reinforce	reinforce	VERB
easat-9128	149	52	previous	previous	ADJ
easat-9128	149	53	studies	study	NOUN
easat-9128	149	54	[	[	X
easat-9128	149	55	9	9	NUM
easat-9128	149	56	,	,	PUNCT
easat-9128	149	57	36	36	NUM
easat-9128	149	58	]	]	PUNCT
easat-9128	149	59	which	which	PRON
easat-9128	149	60	emphasize	emphasize	VERB
easat-9128	149	61	that	that	SCONJ
easat-9128	149	62	enhanced	enhance	VERB
easat-9128	149	63	financial	financial	ADJ
easat-9128	149	64	literacy	literacy	NOUN
easat-9128	149	65	improves	improve	VERB
easat-9128	149	66	individual	individual	ADJ
easat-9128	149	67	investment	investment	NOUN
easat-9128	149	68	decision	decision	NOUN
easat-9128	149	69	quality	quality	NOUN
easat-9128	149	70	—	—	PUNCT
easat-9128	149	71	particularly	particularly	ADV
easat-9128	149	72	in	in	ADP
easat-9128	149	73	fast	fast	ADV
easat-9128	149	74	-	-	PUNCT
easat-9128	149	75	paced	paced	ADJ
easat-9128	149	76	,	,	PUNCT
easat-9128	149	77	high	high	ADJ
easat-9128	149	78	-	-	PUNCT
easat-9128	149	79	risk	risk	NOUN
easat-9128	149	80	digital	digital	ADJ
easat-9128	149	81	environments	environment	NOUN
easat-9128	149	82	.	.	PUNCT
easat-9128	150	1	more	more	ADV
easat-9128	150	2	specifically	specifically	ADV
easat-9128	150	3	,	,	PUNCT
easat-9128	150	4	the	the	DET
easat-9128	150	5	dimensions	dimension	NOUN
easat-9128	150	6	of	of	ADP
easat-9128	150	7	risk	risk	NOUN
easat-9128	150	8	knowledge	knowledge	NOUN
easat-9128	150	9	and	and	CCONJ
easat-9128	150	10	market	market	NOUN
easat-9128	150	11	understanding	understanding	NOUN
easat-9128	150	12	had	have	VERB
easat-9128	150	13	the	the	DET
easat-9128	150	14	strongest	strong	ADJ
easat-9128	150	15	influence	influence	NOUN
easat-9128	150	16	in	in	ADP
easat-9128	150	17	this	this	DET
easat-9128	150	18	regression	regression	NOUN
easat-9128	150	19	model	model	NOUN
easat-9128	150	20	.	.	PUNCT
easat-9128	151	1	4.4	4.4	NUM
easat-9128	151	2	.	.	PUNCT
easat-9128	151	3	discussion	discussion	NOUN
easat-9128	151	4	and	and	CCONJ
easat-9128	151	5	implications	implication	NOUN
easat-9128	151	6	this	this	DET
easat-9128	151	7	study	study	NOUN
easat-9128	151	8	provides	provide	VERB
easat-9128	151	9	compelling	compelling	ADJ
easat-9128	151	10	evidence	evidence	NOUN
easat-9128	151	11	that	that	SCONJ
easat-9128	151	12	financial	financial	ADJ
easat-9128	151	13	literacy	literacy	NOUN
easat-9128	151	14	is	be	AUX
easat-9128	151	15	not	not	PART
easat-9128	151	16	only	only	ADV
easat-9128	151	17	a	a	DET
easat-9128	151	18	determinant	determinant	NOUN
easat-9128	151	19	of	of	ADP
easat-9128	151	20	investment	investment	NOUN
easat-9128	151	21	decisions	decision	NOUN
easat-9128	151	22	but	but	CCONJ
easat-9128	151	23	also	also	ADV
easat-9128	151	24	a	a	DET
easat-9128	151	25	critical	critical	ADJ
easat-9128	151	26	factor	factor	NOUN
easat-9128	151	27	in	in	ADP
easat-9128	151	28	fostering	foster	VERB
easat-9128	151	29	rational	rational	ADJ
easat-9128	151	30	,	,	PUNCT
easat-9128	151	31	informed	informed	ADJ
easat-9128	151	32	decision	decision	NOUN
easat-9128	151	33	-	-	PUNCT
easat-9128	151	34	making	making	NOUN
easat-9128	151	35	in	in	ADP
easat-9128	151	36	the	the	DET
easat-9128	151	37	face	face	NOUN
easat-9128	151	38	of	of	ADP
easat-9128	151	39	digital	digital	ADJ
easat-9128	151	40	market	market	NOUN
easat-9128	151	41	volatility	volatility	NOUN
easat-9128	151	42	.	.	PUNCT
easat-9128	152	1	as	as	SCONJ
easat-9128	152	2	the	the	DET
easat-9128	152	3	financial	financial	ADJ
easat-9128	152	4	landscape	landscape	NOUN
easat-9128	152	5	becomes	becomes	AUX
easat-9128	152	6	increasingly	increasingly	ADV
easat-9128	152	7	digitized	digitize	VERB
easat-9128	152	8	,	,	PUNCT
easat-9128	152	9	with	with	ADP
easat-9128	152	10	platforms	platform	NOUN
easat-9128	152	11	offering	offer	VERB
easat-9128	152	12	a	a	DET
easat-9128	152	13	wide	wide	ADJ
easat-9128	152	14	array	array	NOUN
easat-9128	152	15	of	of	ADP
easat-9128	152	16	investment	investment	NOUN
easat-9128	152	17	options	option	NOUN
easat-9128	152	18	,	,	PUNCT
easat-9128	152	19	the	the	DET
easat-9128	152	20	need	need	NOUN
easat-9128	152	21	for	for	ADP
easat-9128	152	22	enhanced	enhanced	ADJ
easat-9128	152	23	financial	financial	ADJ
easat-9128	152	24	literacy	literacy	NOUN
easat-9128	152	25	has	have	AUX
easat-9128	152	26	never	never	ADV
easat-9128	152	27	been	be	AUX
easat-9128	152	28	more	more	ADV
easat-9128	152	29	urgent	urgent	ADJ
easat-9128	152	30	.	.	PUNCT
easat-9128	153	1	in	in	ADP
easat-9128	153	2	indonesia	indonesia	PROPN
easat-9128	153	3	,	,	PUNCT
easat-9128	153	4	where	where	SCONJ
easat-9128	153	5	the	the	DET
easat-9128	153	6	digital	digital	ADJ
easat-9128	153	7	economy	economy	NOUN
easat-9128	153	8	is	be	AUX
easat-9128	153	9	rapidly	rapidly	ADV
easat-9128	153	10	expanding	expand	VERB
easat-9128	153	11	,	,	PUNCT
easat-9128	153	12	particularly	particularly	ADV
easat-9128	153	13	among	among	ADP
easat-9128	153	14	younger	young	ADJ
easat-9128	153	15	demographics	demographic	NOUN
easat-9128	153	16	,	,	PUNCT
easat-9128	153	17	this	this	DET
easat-9128	153	18	issue	issue	NOUN
easat-9128	153	19	becomes	become	VERB
easat-9128	153	20	even	even	ADV
easat-9128	153	21	more	more	ADV
easat-9128	153	22	pressing	pressing	ADJ
easat-9128	153	23	.	.	PUNCT
easat-9128	154	1	according	accord	VERB
easat-9128	154	2	to	to	ADP
easat-9128	154	3	the	the	DET
easat-9128	154	4	2023	2023	NUM
easat-9128	154	5	data	datum	NOUN
easat-9128	154	6	from	from	ADP
easat-9128	154	7	the	the	DET
easat-9128	154	8	statistics	statistic	NOUN
easat-9128	154	9	indonesia	indonesia	PROPN
easat-9128	154	10	bureau	bureau	PROPN
easat-9128	154	11	(	(	PUNCT
easat-9128	154	12	bps	bps	PROPN
easat-9128	154	13	)	)	PUNCT
easat-9128	154	14	,	,	PUNCT
easat-9128	154	15	over	over	ADP
easat-9128	154	16	64	64	NUM
easat-9128	154	17	million	million	NUM
easat-9128	154	18	indonesians	indonesian	NOUN
easat-9128	154	19	are	be	AUX
easat-9128	154	20	active	active	ADJ
easat-9128	154	21	participants	participant	NOUN
easat-9128	154	22	in	in	ADP
easat-9128	154	23	the	the	DET
easat-9128	154	24	digital	digital	ADJ
easat-9128	154	25	economy	economy	NOUN
easat-9128	154	26	,	,	PUNCT
easat-9128	154	27	with	with	ADP
easat-9128	154	28	a	a	DET
easat-9128	154	29	significant	significant	ADJ
easat-9128	154	30	portion	portion	NOUN
easat-9128	154	31	of	of	ADP
easat-9128	154	32	these	these	DET
easat-9128	154	33	individuals	individual	NOUN
easat-9128	154	34	belonging	belong	VERB
easat-9128	154	35	to	to	ADP
easat-9128	154	36	the	the	DET
easat-9128	154	37	gen	gen	PROPN
easat-9128	154	38	z	z	NOUN
easat-9128	154	39	and	and	CCONJ
easat-9128	154	40	millennial	millennial	ADJ
easat-9128	154	41	age	age	NOUN
easat-9128	154	42	groups	group	NOUN
easat-9128	154	43	.	.	PUNCT
easat-9128	155	1	these	these	DET
easat-9128	155	2	groups	group	NOUN
easat-9128	155	3	are	be	AUX
easat-9128	155	4	not	not	PART
easat-9128	155	5	only	only	ADV
easat-9128	155	6	digital	digital	ADJ
easat-9128	155	7	natives	native	NOUN
easat-9128	155	8	but	but	CCONJ
easat-9128	155	9	are	be	AUX
easat-9128	155	10	also	also	ADV
easat-9128	155	11	becoming	becoming	AUX
easat-9128	155	12	increasingly	increasingly	ADV
easat-9128	155	13	engaged	engage	VERB
easat-9128	155	14	in	in	ADP
easat-9128	155	15	digital	digital	ADJ
easat-9128	155	16	investment	investment	NOUN
easat-9128	155	17	platforms	platform	NOUN
easat-9128	155	18	,	,	PUNCT
easat-9128	155	19	from	from	ADP
easat-9128	155	20	stocks	stock	NOUN
easat-9128	155	21	and	and	CCONJ
easat-9128	155	22	mutual	mutual	ADJ
easat-9128	155	23	funds	fund	NOUN
easat-9128	155	24	to	to	PART
easat-9128	155	25	cryptocurrency	cryptocurrency	NOUN
easat-9128	155	26	and	and	CCONJ
easat-9128	155	27	fintech	fintech	NOUN
easat-9128	155	28	-	-	PUNCT
easat-9128	155	29	driven	drive	VERB
easat-9128	155	30	investment	investment	NOUN
easat-9128	155	31	tools	tool	NOUN
easat-9128	155	32	.	.	PUNCT
easat-9128	156	1	as	as	SCONJ
easat-9128	156	2	these	these	DET
easat-9128	156	3	younger	young	ADJ
easat-9128	156	4	generations	generation	NOUN
easat-9128	156	5	continue	continue	VERB
easat-9128	156	6	to	to	PART
easat-9128	156	7	navigate	navigate	VERB
easat-9128	156	8	a	a	DET
easat-9128	156	9	volatile	volatile	ADJ
easat-9128	156	10	digital	digital	ADJ
easat-9128	156	11	marketplace	marketplace	NOUN
easat-9128	156	12	,	,	PUNCT
easat-9128	156	13	financial	financial	ADJ
easat-9128	156	14	literacy	literacy	NOUN
easat-9128	156	15	serves	serve	VERB
easat-9128	156	16	as	as	ADP
easat-9128	156	17	a	a	DET
easat-9128	156	18	fundamental	fundamental	ADJ
easat-9128	156	19	tool	tool	NOUN
easat-9128	156	20	to	to	PART
easat-9128	156	21	equip	equip	VERB
easat-9128	156	22	them	they	PRON
easat-9128	156	23	with	with	ADP
easat-9128	156	24	the	the	DET
easat-9128	156	25	necessary	necessary	ADJ
easat-9128	156	26	skills	skill	NOUN
easat-9128	156	27	to	to	PART
easat-9128	156	28	make	make	VERB
easat-9128	156	29	informed	informed	ADJ
easat-9128	156	30	decisions	decision	NOUN
easat-9128	156	31	.	.	PUNCT
easat-9128	157	1	the	the	DET
easat-9128	157	2	complexity	complexity	NOUN
easat-9128	157	3	and	and	CCONJ
easat-9128	157	4	speed	speed	NOUN
easat-9128	157	5	of	of	ADP
easat-9128	157	6	the	the	DET
easat-9128	157	7	digital	digital	ADJ
easat-9128	157	8	capital	capital	NOUN
easat-9128	157	9	market	market	NOUN
easat-9128	157	10	,	,	PUNCT
easat-9128	157	11	combined	combine	VERB
easat-9128	157	12	with	with	ADP
easat-9128	157	13	the	the	DET
easat-9128	157	14	influx	influx	NOUN
easat-9128	157	15	of	of	ADP
easat-9128	157	16	information	information	NOUN
easat-9128	157	17	from	from	ADP
easat-9128	157	18	various	various	ADJ
easat-9128	157	19	sources	source	NOUN
easat-9128	157	20	,	,	PUNCT
easat-9128	157	21	make	make	VERB
easat-9128	157	22	it	it	PRON
easat-9128	157	23	crucial	crucial	ADJ
easat-9128	157	24	for	for	SCONJ
easat-9128	157	25	investors	investor	NOUN
easat-9128	157	26	to	to	PART
easat-9128	157	27	possess	possess	VERB
easat-9128	157	28	a	a	DET
easat-9128	157	29	deep	deep	ADJ
easat-9128	157	30	understanding	understanding	NOUN
easat-9128	157	31	of	of	ADP
easat-9128	157	32	financial	financial	ADJ
easat-9128	157	33	principles	principle	NOUN
easat-9128	157	34	.	.	PUNCT
easat-9128	158	1	this	this	DET
easat-9128	158	2	study	study	NOUN
easat-9128	158	3	shows	show	VERB
easat-9128	158	4	that	that	SCONJ
easat-9128	158	5	financial	financial	ADJ
easat-9128	158	6	literacy	literacy	NOUN
easat-9128	158	7	,	,	PUNCT
easat-9128	158	8	particularly	particularly	ADV
easat-9128	158	9	in	in	ADP
easat-9128	158	10	areas	area	NOUN
easat-9128	158	11	such	such	ADJ
easat-9128	158	12	as	as	ADP
easat-9128	158	13	risk	risk	NOUN
easat-9128	158	14	management	management	NOUN
easat-9128	158	15	and	and	CCONJ
easat-9128	158	16	market	market	NOUN
easat-9128	158	17	understanding	understanding	NOUN
easat-9128	158	18	,	,	PUNCT
easat-9128	158	19	significantly	significantly	ADV
easat-9128	158	20	influences	influence	VERB
easat-9128	158	21	the	the	DET
easat-9128	158	22	quality	quality	NOUN
easat-9128	158	23	of	of	ADP
easat-9128	158	24	investment	investment	NOUN
easat-9128	158	25	decisions	decision	NOUN
easat-9128	158	26	.	.	PUNCT
easat-9128	159	1	without	without	ADP
easat-9128	159	2	a	a	DET
easat-9128	159	3	solid	solid	ADJ
easat-9128	159	4	foundation	foundation	NOUN
easat-9128	159	5	in	in	ADP
easat-9128	159	6	financial	financial	ADJ
easat-9128	159	7	concepts	concept	NOUN
easat-9128	159	8	,	,	PUNCT
easat-9128	159	9	young	young	ADJ
easat-9128	159	10	investors	investor	NOUN
easat-9128	159	11	are	be	AUX
easat-9128	159	12	at	at	ADP
easat-9128	159	13	risk	risk	NOUN
easat-9128	159	14	of	of	ADP
easat-9128	159	15	making	make	VERB
easat-9128	159	16	impulsive	impulsive	ADJ
easat-9128	159	17	or	or	CCONJ
easat-9128	159	18	poorly	poorly	ADV
easat-9128	159	19	informed	inform	VERB
easat-9128	159	20	decisions	decision	NOUN
easat-9128	159	21	,	,	PUNCT
easat-9128	159	22	which	which	PRON
easat-9128	159	23	can	can	AUX
easat-9128	159	24	lead	lead	VERB
easat-9128	159	25	to	to	ADP
easat-9128	159	26	substantial	substantial	ADJ
easat-9128	159	27	financial	financial	ADJ
easat-9128	159	28	losses	loss	NOUN
easat-9128	159	29	,	,	PUNCT
easat-9128	159	30	particularly	particularly	ADV
easat-9128	159	31	in	in	ADP
easat-9128	159	32	high	high	ADJ
easat-9128	159	33	-	-	PUNCT
easat-9128	159	34	risk	risk	NOUN
easat-9128	159	35	digital	digital	ADJ
easat-9128	159	36	investments	investment	NOUN
easat-9128	159	37	like	like	ADP
easat-9128	159	38	cryptocurrency	cryptocurrency	NOUN
easat-9128	159	39	.	.	PUNCT
easat-9128	160	1	in	in	ADP
easat-9128	160	2	the	the	DET
easat-9128	160	3	context	context	NOUN
easat-9128	160	4	of	of	ADP
easat-9128	160	5	indonesia	indonesia	PROPN
easat-9128	160	6	,	,	PUNCT
easat-9128	160	7	where	where	SCONJ
easat-9128	160	8	the	the	DET
easat-9128	160	9	digital	digital	ADJ
easat-9128	160	10	economy	economy	NOUN
easat-9128	160	11	is	be	AUX
easat-9128	160	12	expected	expect	VERB
easat-9128	160	13	to	to	PART
easat-9128	160	14	grow	grow	VERB
easat-9128	160	15	exponentially	exponentially	ADV
easat-9128	160	16	in	in	ADP
easat-9128	160	17	the	the	DET
easat-9128	160	18	coming	come	VERB
easat-9128	160	19	years	year	NOUN
easat-9128	160	20	,	,	PUNCT
easat-9128	160	21	improving	improve	VERB
easat-9128	160	22	financial	financial	ADJ
easat-9128	160	23	literacy	literacy	NOUN
easat-9128	160	24	is	be	AUX
easat-9128	160	25	not	not	PART
easat-9128	160	26	only	only	ADV
easat-9128	160	27	an	an	DET
easat-9128	160	28	individual	individual	ADJ
easat-9128	160	29	priority	priority	NOUN
easat-9128	160	30	but	but	CCONJ
easat-9128	160	31	also	also	ADV
easat-9128	160	32	a	a	DET
easat-9128	160	33	strategic	strategic	ADJ
easat-9128	160	34	national	national	ADJ
easat-9128	160	35	priority	priority	NOUN
easat-9128	160	36	.	.	PUNCT
easat-9128	161	1	strengthening	strengthen	VERB
easat-9128	161	2	the	the	DET
easat-9128	161	3	financial	financial	ADJ
easat-9128	161	4	literacy	literacy	NOUN
easat-9128	161	5	of	of	ADP
easat-9128	161	6	young	young	ADJ
easat-9128	161	7	indonesians	indonesian	NOUN
easat-9128	161	8	can	can	AUX
easat-9128	161	9	foster	foster	VERB
easat-9128	161	10	greater	great	ADJ
easat-9128	161	11	financial	financial	ADJ
easat-9128	161	12	inclusion	inclusion	NOUN
easat-9128	161	13	,	,	PUNCT
easat-9128	161	14	helping	help	VERB
easat-9128	161	15	individuals	individual	NOUN
easat-9128	161	16	from	from	ADP
easat-9128	161	17	various	various	ADJ
easat-9128	161	18	socioeconomic	socioeconomic	ADJ
easat-9128	161	19	backgrounds	background	NOUN
easat-9128	161	20	participate	participate	VERB
easat-9128	161	21	in	in	ADP
easat-9128	161	22	the	the	DET
easat-9128	161	23	digital	digital	ADJ
easat-9128	161	24	capital	capital	NOUN
easat-9128	161	25	market	market	NOUN
easat-9128	161	26	.	.	PUNCT
easat-9128	162	1	this	this	PRON
easat-9128	162	2	,	,	PUNCT
easat-9128	162	3	in	in	ADP
easat-9128	162	4	turn	turn	NOUN
easat-9128	162	5	,	,	PUNCT
easat-9128	162	6	can	can	AUX
easat-9128	162	7	contribute	contribute	VERB
easat-9128	162	8	to	to	ADP
easat-9128	162	9	the	the	DET
easat-9128	162	10	overall	overall	ADJ
easat-9128	162	11	stability	stability	NOUN
easat-9128	162	12	and	and	CCONJ
easat-9128	162	13	growth	growth	NOUN
easat-9128	162	14	of	of	ADP
easat-9128	162	15	the	the	DET
easat-9128	162	16	financial	financial	ADJ
easat-9128	162	17	system	system	NOUN
easat-9128	162	18	,	,	PUNCT
easat-9128	162	19	making	make	VERB
easat-9128	162	20	it	it	PRON
easat-9128	162	21	more	more	ADV
easat-9128	162	22	resilient	resilient	ADJ
easat-9128	162	23	to	to	ADP
easat-9128	162	24	market	market	NOUN
easat-9128	162	25	fluctuations	fluctuation	NOUN
easat-9128	162	26	and	and	CCONJ
easat-9128	162	27	economic	economic	ADJ
easat-9128	162	28	shocks	shock	NOUN
easat-9128	162	29	.	.	PUNCT
easat-9128	163	1	with	with	ADP
easat-9128	163	2	an	an	DET
easat-9128	163	3	increasingly	increasingly	ADV
easat-9128	163	4	digitalized	digitalize	VERB
easat-9128	163	5	economy	economy	NOUN
easat-9128	163	6	,	,	PUNCT
easat-9128	163	7	the	the	DET
easat-9128	163	8	government	government	NOUN
easat-9128	163	9	,	,	PUNCT
easat-9128	163	10	regulatory	regulatory	ADJ
easat-9128	163	11	bodies	body	NOUN
easat-9128	163	12	,	,	PUNCT
easat-9128	163	13	and	and	CCONJ
easat-9128	163	14	financial	financial	ADJ
easat-9128	163	15	institutions	institution	NOUN
easat-9128	163	16	must	must	AUX
easat-9128	163	17	collaborate	collaborate	VERB
easat-9128	163	18	to	to	PART
easat-9128	163	19	create	create	VERB
easat-9128	163	20	a	a	DET
easat-9128	163	21	conducive	conducive	ADJ
easat-9128	163	22	environment	environment	NOUN
easat-9128	163	23	for	for	ADP
easat-9128	163	24	informed	informed	ADJ
easat-9128	163	25	and	and	CCONJ
easat-9128	163	26	responsible	responsible	ADJ
easat-9128	163	27	investment	investment	NOUN
easat-9128	163	28	.	.	PUNCT
easat-9128	164	1	to	to	PART
easat-9128	164	2	address	address	VERB
easat-9128	164	3	these	these	DET
easat-9128	164	4	challenges	challenge	NOUN
easat-9128	164	5	,	,	PUNCT
easat-9128	164	6	practical	practical	ADJ
easat-9128	164	7	implications	implication	NOUN
easat-9128	164	8	from	from	ADP
easat-9128	164	9	the	the	DET
easat-9128	164	10	study	study	NOUN
easat-9128	164	11	suggest	suggest	VERB
easat-9128	164	12	several	several	ADJ
easat-9128	164	13	key	key	ADJ
easat-9128	164	14	actions	action	NOUN
easat-9128	164	15	.	.	PUNCT
easat-9128	165	1	first	first	ADV
easat-9128	165	2	,	,	PUNCT
easat-9128	165	3	there	there	PRON
easat-9128	165	4	is	be	VERB
easat-9128	165	5	an	an	DET
easat-9128	165	6	urgent	urgent	ADJ
easat-9128	165	7	need	need	NOUN
easat-9128	165	8	for	for	ADP
easat-9128	165	9	technology	technology	NOUN
easat-9128	165	10	-	-	PUNCT
easat-9128	165	11	driven	drive	VERB
easat-9128	165	12	financial	financial	ADJ
easat-9128	165	13	education	education	NOUN
easat-9128	165	14	initiatives	initiative	NOUN
easat-9128	165	15	,	,	PUNCT
easat-9128	165	16	specifically	specifically	ADV
easat-9128	165	17	targeting	target	VERB
easat-9128	165	18	gen	gen	PROPN
easat-9128	165	19	z	z	PROPN
easat-9128	165	20	and	and	CCONJ
easat-9128	165	21	millennials	millennial	NOUN
easat-9128	165	22	.	.	PUNCT
easat-9128	166	1	these	these	DET
easat-9128	166	2	younger	young	ADJ
easat-9128	166	3	generations	generation	NOUN
easat-9128	166	4	are	be	AUX
easat-9128	166	5	more	more	ADV
easat-9128	166	6	likely	likely	ADJ
easat-9128	166	7	to	to	PART
easat-9128	166	8	engage	engage	VERB
easat-9128	166	9	with	with	ADP
easat-9128	166	10	digital	digital	ADJ
easat-9128	166	11	platforms	platform	NOUN
easat-9128	166	12	,	,	PUNCT
easat-9128	166	13	which	which	PRON
easat-9128	166	14	makes	make	VERB
easat-9128	166	15	technology	technology	NOUN
easat-9128	166	16	-	-	PUNCT
easat-9128	166	17	based	base	VERB
easat-9128	166	18	solutions	solution	NOUN
easat-9128	166	19	,	,	PUNCT
easat-9128	166	20	such	such	ADJ
easat-9128	166	21	as	as	ADP
easat-9128	166	22	mobile	mobile	ADJ
easat-9128	166	23	apps	app	NOUN
easat-9128	166	24	,	,	PUNCT
easat-9128	166	25	online	online	ADJ
easat-9128	166	26	courses	course	NOUN
easat-9128	166	27	,	,	PUNCT
easat-9128	166	28	and	and	CCONJ
easat-9128	166	29	gamified	gamifie	VERB
easat-9128	166	30	learning	learning	NOUN
easat-9128	166	31	tools	tool	NOUN
easat-9128	166	32	,	,	PUNCT
easat-9128	166	33	ideal	ideal	ADJ
easat-9128	166	34	for	for	ADP
easat-9128	166	35	reaching	reach	VERB
easat-9128	166	36	them	they	PRON
easat-9128	166	37	.	.	PUNCT
easat-9128	167	1	financial	financial	ADJ
easat-9128	167	2	education	education	NOUN
easat-9128	167	3	programs	program	NOUN
easat-9128	167	4	should	should	AUX
easat-9128	167	5	not	not	PART
easat-9128	167	6	only	only	ADV
easat-9128	167	7	cover	cover	VERB
easat-9128	167	8	basic	basic	ADJ
easat-9128	167	9	concepts	concept	NOUN
easat-9128	167	10	like	like	ADP
easat-9128	167	11	budgeting	budgeting	NOUN
easat-9128	167	12	and	and	CCONJ
easat-9128	167	13	saving	saving	NOUN
easat-9128	167	14	but	but	CCONJ
easat-9128	167	15	also	also	ADV
easat-9128	167	16	delve	delve	VERB
easat-9128	167	17	into	into	ADP
easat-9128	167	18	more	more	ADV
easat-9128	167	19	advanced	advanced	ADJ
easat-9128	167	20	topics	topic	NOUN
easat-9128	167	21	like	like	ADP
easat-9128	167	22	investment	investment	NOUN
easat-9128	167	23	strategies	strategy	NOUN
easat-9128	167	24	,	,	PUNCT
easat-9128	167	25	risk	risk	NOUN
easat-9128	167	26	assessment	assessment	NOUN
easat-9128	167	27	,	,	PUNCT
easat-9128	167	28	and	and	CCONJ
easat-9128	167	29	understanding	understand	VERB
easat-9128	167	30	market	market	NOUN
easat-9128	167	31	trends	trend	NOUN
easat-9128	167	32	,	,	PUNCT
easat-9128	167	33	particularly	particularly	ADV
easat-9128	167	34	in	in	ADP
easat-9128	167	35	digital	digital	ADJ
easat-9128	167	36	markets	market	NOUN
easat-9128	167	37	.	.	PUNCT
easat-9128	168	1	the	the	DET
easat-9128	168	2	integration	integration	NOUN
easat-9128	168	3	of	of	ADP
easat-9128	168	4	financial	financial	ADJ
easat-9128	168	5	literacy	literacy	NOUN
easat-9128	168	6	modules	module	NOUN
easat-9128	168	7	into	into	ADP
easat-9128	168	8	investment	investment	NOUN
easat-9128	168	9	apps	app	NOUN
easat-9128	168	10	is	be	AUX
easat-9128	168	11	another	another	DET
easat-9128	168	12	important	important	ADJ
easat-9128	168	13	recommendation	recommendation	NOUN
easat-9128	168	14	.	.	PUNCT
easat-9128	169	1	given	give	VERB
easat-9128	169	2	that	that	SCONJ
easat-9128	169	3	young	young	ADJ
easat-9128	169	4	investors	investor	NOUN
easat-9128	169	5	are	be	AUX
easat-9128	169	6	already	already	ADV
easat-9128	169	7	using	use	VERB
easat-9128	169	8	digital	digital	ADJ
easat-9128	169	9	platforms	platform	NOUN
easat-9128	169	10	to	to	PART
easat-9128	169	11	manage	manage	VERB
easat-9128	169	12	their	their	PRON
easat-9128	169	13	2136	2136	NUM
easat-9128	169	14	edelweiss	edelweiss	PROPN
easat-9128	169	15	applied	apply	VERB
easat-9128	169	16	science	science	NOUN
easat-9128	169	17	and	and	CCONJ
easat-9128	169	18	technology	technology	NOUN
easat-9128	169	19	issn	issn	PROPN
easat-9128	169	20	:	:	PUNCT
easat-9128	169	21	2576	2576	NUM
easat-9128	169	22	-	-	SYM
easat-9128	169	23	8484	8484	NUM
easat-9128	169	24	vol	vol	NOUN
easat-9128	169	25	.	.	PROPN
easat-9128	170	1	9	9	NUM
easat-9128	170	2	,	,	PUNCT
easat-9128	170	3	no	no	INTJ
easat-9128	170	4	.	.	NOUN
easat-9128	170	5	7	7	NUM
easat-9128	170	6	:	:	SYM
easat-9128	170	7	2129	2129	NUM
easat-9128	170	8	-	-	SYM
easat-9128	170	9	2138	2138	NUM
easat-9128	170	10	,	,	PUNCT
easat-9128	170	11	2025	2025	NUM
easat-9128	170	12	doi	doi	NOUN
easat-9128	170	13	:	:	PUNCT
easat-9128	170	14	10.55214/2576	10.55214/2576	NUM
easat-9128	170	15	-	-	PUNCT
easat-9128	170	16	8484.v9i7.9128	8484.v9i7.9128	NOUN
easat-9128	170	17	©	©	NOUN
easat-9128	170	18	2025	2025	NUM
easat-9128	170	19	by	by	ADP
easat-9128	170	20	the	the	DET
easat-9128	170	21	authors	author	NOUN
easat-9128	170	22	;	;	PUNCT
easat-9128	170	23	licensee	licensee	PROPN
easat-9128	170	24	learning	learn	VERB
easat-9128	170	25	gate	gate	NOUN
easat-9128	170	26	investments	investment	NOUN
easat-9128	170	27	,	,	PUNCT
easat-9128	170	28	embedding	embed	VERB
easat-9128	170	29	educational	educational	ADJ
easat-9128	170	30	resources	resource	NOUN
easat-9128	170	31	directly	directly	ADV
easat-9128	170	32	within	within	ADP
easat-9128	170	33	these	these	DET
easat-9128	170	34	platforms	platform	NOUN
easat-9128	170	35	can	can	AUX
easat-9128	170	36	provide	provide	VERB
easat-9128	170	37	timely	timely	ADJ
easat-9128	170	38	guidance	guidance	NOUN
easat-9128	170	39	and	and	CCONJ
easat-9128	170	40	enhance	enhance	VERB
easat-9128	170	41	decision	decision	NOUN
easat-9128	170	42	-	-	PUNCT
easat-9128	170	43	making	making	NOUN
easat-9128	170	44	.	.	PUNCT
easat-9128	171	1	interactive	interactive	ADJ
easat-9128	171	2	features	feature	NOUN
easat-9128	171	3	,	,	PUNCT
easat-9128	171	4	such	such	ADJ
easat-9128	171	5	as	as	ADP
easat-9128	171	6	quizzes	quiz	NOUN
easat-9128	171	7	,	,	PUNCT
easat-9128	171	8	financial	financial	ADJ
easat-9128	171	9	tools	tool	NOUN
easat-9128	171	10	,	,	PUNCT
easat-9128	171	11	and	and	CCONJ
easat-9128	171	12	tutorials	tutorial	NOUN
easat-9128	171	13	,	,	PUNCT
easat-9128	171	14	could	could	AUX
easat-9128	171	15	be	be	AUX
easat-9128	171	16	incorporated	incorporate	VERB
easat-9128	171	17	to	to	PART
easat-9128	171	18	improve	improve	VERB
easat-9128	171	19	engagement	engagement	NOUN
easat-9128	171	20	and	and	CCONJ
easat-9128	171	21	allow	allow	VERB
easat-9128	171	22	users	user	NOUN
easat-9128	171	23	to	to	PART
easat-9128	171	24	learn	learn	VERB
easat-9128	171	25	while	while	SCONJ
easat-9128	171	26	making	make	VERB
easat-9128	171	27	investment	investment	NOUN
easat-9128	171	28	decisions	decision	NOUN
easat-9128	171	29	.	.	PUNCT
easat-9128	172	1	by	by	ADP
easat-9128	172	2	providing	provide	VERB
easat-9128	172	3	real	real	ADJ
easat-9128	172	4	-	-	PUNCT
easat-9128	172	5	time	time	NOUN
easat-9128	172	6	,	,	PUNCT
easat-9128	172	7	context	context	NOUN
easat-9128	172	8	-	-	PUNCT
easat-9128	172	9	sensitive	sensitive	ADJ
easat-9128	172	10	education	education	NOUN
easat-9128	172	11	,	,	PUNCT
easat-9128	172	12	investment	investment	NOUN
easat-9128	172	13	apps	app	NOUN
easat-9128	172	14	can	can	AUX
easat-9128	172	15	empower	empower	VERB
easat-9128	172	16	users	user	NOUN
easat-9128	172	17	to	to	PART
easat-9128	172	18	better	well	ADV
easat-9128	172	19	understand	understand	VERB
easat-9128	172	20	the	the	DET
easat-9128	172	21	financial	financial	ADJ
easat-9128	172	22	products	product	NOUN
easat-9128	172	23	they	they	PRON
easat-9128	172	24	are	be	AUX
easat-9128	172	25	engaging	engage	VERB
easat-9128	172	26	with	with	ADP
easat-9128	172	27	,	,	PUNCT
easat-9128	172	28	enabling	enable	VERB
easat-9128	172	29	more	more	ADV
easat-9128	172	30	informed	informed	ADJ
easat-9128	172	31	and	and	CCONJ
easat-9128	172	32	rational	rational	ADJ
easat-9128	172	33	decisions	decision	NOUN
easat-9128	172	34	.	.	PUNCT
easat-9128	173	1	another	another	DET
easat-9128	173	2	critical	critical	ADJ
easat-9128	173	3	aspect	aspect	NOUN
easat-9128	173	4	to	to	PART
easat-9128	173	5	address	address	VERB
easat-9128	173	6	is	be	AUX
easat-9128	173	7	the	the	DET
easat-9128	173	8	role	role	NOUN
easat-9128	173	9	of	of	ADP
easat-9128	173	10	social	social	ADJ
easat-9128	173	11	media	medium	NOUN
easat-9128	173	12	in	in	ADP
easat-9128	173	13	shaping	shape	VERB
easat-9128	173	14	investment	investment	NOUN
easat-9128	173	15	behaviors	behavior	NOUN
easat-9128	173	16	.	.	PUNCT
easat-9128	174	1	many	many	ADJ
easat-9128	174	2	young	young	ADJ
easat-9128	174	3	investors	investor	NOUN
easat-9128	174	4	rely	rely	VERB
easat-9128	174	5	on	on	ADP
easat-9128	174	6	social	social	ADJ
easat-9128	174	7	media	medium	NOUN
easat-9128	174	8	platforms	platform	NOUN
easat-9128	174	9	for	for	ADP
easat-9128	174	10	financial	financial	ADJ
easat-9128	174	11	advice	advice	NOUN
easat-9128	174	12	,	,	PUNCT
easat-9128	174	13	often	often	ADV
easat-9128	174	14	from	from	ADP
easat-9128	174	15	influencers	influencer	NOUN
easat-9128	174	16	or	or	CCONJ
easat-9128	174	17	peers	peer	NOUN
easat-9128	174	18	rather	rather	ADV
easat-9128	174	19	than	than	ADP
easat-9128	174	20	professional	professional	ADJ
easat-9128	174	21	sources	source	NOUN
easat-9128	174	22	.	.	PUNCT
easat-9128	175	1	while	while	SCONJ
easat-9128	175	2	social	social	ADJ
easat-9128	175	3	media	medium	NOUN
easat-9128	175	4	can	can	AUX
easat-9128	175	5	be	be	AUX
easat-9128	175	6	a	a	DET
easat-9128	175	7	valuable	valuable	ADJ
easat-9128	175	8	tool	tool	NOUN
easat-9128	175	9	for	for	ADP
easat-9128	175	10	sharing	share	VERB
easat-9128	175	11	knowledge	knowledge	NOUN
easat-9128	175	12	and	and	CCONJ
easat-9128	175	13	promoting	promote	VERB
easat-9128	175	14	financial	financial	ADJ
easat-9128	175	15	literacy	literacy	NOUN
easat-9128	175	16	,	,	PUNCT
easat-9128	175	17	it	it	PRON
easat-9128	175	18	also	also	ADV
easat-9128	175	19	carries	carry	VERB
easat-9128	175	20	the	the	DET
easat-9128	175	21	risk	risk	NOUN
easat-9128	175	22	of	of	ADP
easat-9128	175	23	spreading	spread	VERB
easat-9128	175	24	unreliable	unreliable	ADJ
easat-9128	175	25	or	or	CCONJ
easat-9128	175	26	biased	biased	ADJ
easat-9128	175	27	information	information	NOUN
easat-9128	175	28	.	.	PUNCT
easat-9128	176	1	as	as	SCONJ
easat-9128	176	2	the	the	DET
easat-9128	176	3	study	study	NOUN
easat-9128	176	4	suggests	suggest	VERB
easat-9128	176	5	,	,	PUNCT
easat-9128	176	6	there	there	PRON
easat-9128	176	7	is	be	VERB
easat-9128	176	8	a	a	DET
easat-9128	176	9	need	need	NOUN
easat-9128	176	10	for	for	ADP
easat-9128	176	11	stricter	strict	ADJ
easat-9128	176	12	oversight	oversight	NOUN
easat-9128	176	13	of	of	ADP
easat-9128	176	14	investment	investment	NOUN
easat-9128	176	15	-	-	PUNCT
easat-9128	176	16	related	relate	VERB
easat-9128	176	17	content	content	NOUN
easat-9128	176	18	on	on	ADP
easat-9128	176	19	social	social	ADJ
easat-9128	176	20	media	medium	NOUN
easat-9128	176	21	.	.	PUNCT
easat-9128	177	1	regulatory	regulatory	ADJ
easat-9128	177	2	bodies	body	NOUN
easat-9128	177	3	,	,	PUNCT
easat-9128	177	4	such	such	ADJ
easat-9128	177	5	as	as	ADP
easat-9128	177	6	indonesia	indonesia	PROPN
easat-9128	177	7	’s	’s	PART
easat-9128	177	8	financial	financial	PROPN
easat-9128	177	9	services	service	NOUN
easat-9128	177	10	authority	authority	NOUN
easat-9128	177	11	(	(	PUNCT
easat-9128	177	12	ojk	ojk	NOUN
easat-9128	177	13	)	)	PUNCT
easat-9128	177	14	and	and	CCONJ
easat-9128	177	15	bank	bank	PROPN
easat-9128	177	16	indonesia	indonesia	PROPN
easat-9128	177	17	,	,	PUNCT
easat-9128	177	18	can	can	AUX
easat-9128	177	19	play	play	VERB
easat-9128	177	20	a	a	DET
easat-9128	177	21	key	key	ADJ
easat-9128	177	22	role	role	NOUN
easat-9128	177	23	in	in	ADP
easat-9128	177	24	monitoring	monitor	VERB
easat-9128	177	25	digital	digital	ADJ
easat-9128	177	26	content	content	NOUN
easat-9128	177	27	and	and	CCONJ
easat-9128	177	28	ensuring	ensure	VERB
easat-9128	177	29	that	that	SCONJ
easat-9128	177	30	financial	financial	ADJ
easat-9128	177	31	advice	advice	NOUN
easat-9128	177	32	shared	share	VERB
easat-9128	177	33	online	online	ADJ
easat-9128	177	34	adheres	adhere	NOUN
easat-9128	177	35	to	to	ADP
easat-9128	177	36	regulatory	regulatory	ADJ
easat-9128	177	37	standards	standard	NOUN
easat-9128	177	38	.	.	PUNCT
easat-9128	178	1	implementing	implement	VERB
easat-9128	178	2	guidelines	guideline	NOUN
easat-9128	178	3	for	for	ADP
easat-9128	178	4	influencers	influencer	NOUN
easat-9128	178	5	and	and	CCONJ
easat-9128	178	6	content	content	NOUN
easat-9128	178	7	creators	creator	NOUN
easat-9128	178	8	,	,	PUNCT
easat-9128	178	9	along	along	ADP
easat-9128	178	10	with	with	ADP
easat-9128	178	11	penalties	penalty	NOUN
easat-9128	178	12	for	for	ADP
easat-9128	178	13	spreading	spread	VERB
easat-9128	178	14	misleading	misleading	ADJ
easat-9128	178	15	or	or	CCONJ
easat-9128	178	16	fraudulent	fraudulent	ADJ
easat-9128	178	17	financial	financial	ADJ
easat-9128	178	18	advice	advice	NOUN
easat-9128	178	19	,	,	PUNCT
easat-9128	178	20	can	can	AUX
easat-9128	178	21	help	help	VERB
easat-9128	178	22	mitigate	mitigate	VERB
easat-9128	178	23	the	the	DET
easat-9128	178	24	risks	risk	NOUN
easat-9128	178	25	of	of	ADP
easat-9128	178	26	misinformation	misinformation	NOUN
easat-9128	178	27	and	and	CCONJ
easat-9128	178	28	protect	protect	VERB
easat-9128	178	29	investors	investor	NOUN
easat-9128	178	30	from	from	ADP
easat-9128	178	31	potential	potential	ADJ
easat-9128	178	32	harm	harm	NOUN
easat-9128	178	33	.	.	PUNCT
easat-9128	179	1	collaboration	collaboration	NOUN
easat-9128	179	2	between	between	ADP
easat-9128	179	3	educational	educational	ADJ
easat-9128	179	4	institutions	institution	NOUN
easat-9128	179	5	,	,	PUNCT
easat-9128	179	6	financial	financial	ADJ
easat-9128	179	7	regulators	regulator	NOUN
easat-9128	179	8	,	,	PUNCT
easat-9128	179	9	and	and	CCONJ
easat-9128	179	10	fintech	fintech	NOUN
easat-9128	179	11	startups	startup	NOUN
easat-9128	179	12	can	can	AUX
easat-9128	179	13	also	also	ADV
easat-9128	179	14	play	play	VERB
easat-9128	179	15	a	a	DET
easat-9128	179	16	vital	vital	ADJ
easat-9128	179	17	role	role	NOUN
easat-9128	179	18	in	in	ADP
easat-9128	179	19	improving	improve	VERB
easat-9128	179	20	financial	financial	ADJ
easat-9128	179	21	literacy	literacy	NOUN
easat-9128	179	22	.	.	PUNCT
easat-9128	180	1	universities	university	NOUN
easat-9128	180	2	and	and	CCONJ
easat-9128	180	3	vocational	vocational	ADJ
easat-9128	180	4	schools	school	NOUN
easat-9128	180	5	can	can	AUX
easat-9128	180	6	work	work	VERB
easat-9128	180	7	with	with	ADP
easat-9128	180	8	financial	financial	ADJ
easat-9128	180	9	institutions	institution	NOUN
easat-9128	180	10	to	to	PART
easat-9128	180	11	incorporate	incorporate	VERB
easat-9128	180	12	financial	financial	ADJ
easat-9128	180	13	literacy	literacy	NOUN
easat-9128	180	14	training	training	NOUN
easat-9128	180	15	into	into	ADP
easat-9128	180	16	their	their	PRON
easat-9128	180	17	curricula	curricula	NOUN
easat-9128	180	18	,	,	PUNCT
easat-9128	180	19	while	while	SCONJ
easat-9128	180	20	fintech	fintech	NOUN
easat-9128	180	21	companies	company	NOUN
easat-9128	180	22	can	can	AUX
easat-9128	180	23	provide	provide	VERB
easat-9128	180	24	certified	certified	ADJ
easat-9128	180	25	training	training	NOUN
easat-9128	180	26	programs	program	NOUN
easat-9128	180	27	that	that	PRON
easat-9128	180	28	focus	focus	VERB
easat-9128	180	29	on	on	ADP
easat-9128	180	30	practical	practical	ADJ
easat-9128	180	31	financial	financial	ADJ
easat-9128	180	32	skills	skill	NOUN
easat-9128	180	33	.	.	PUNCT
easat-9128	181	1	these	these	DET
easat-9128	181	2	programs	program	NOUN
easat-9128	181	3	can	can	AUX
easat-9128	181	4	range	range	VERB
easat-9128	181	5	from	from	ADP
easat-9128	181	6	basic	basic	ADJ
easat-9128	181	7	financial	financial	ADJ
easat-9128	181	8	education	education	NOUN
easat-9128	181	9	to	to	ADP
easat-9128	181	10	more	more	ADV
easat-9128	181	11	advanced	advanced	ADJ
easat-9128	181	12	courses	course	NOUN
easat-9128	181	13	on	on	ADP
easat-9128	181	14	digital	digital	ADJ
easat-9128	181	15	investments	investment	NOUN
easat-9128	181	16	and	and	CCONJ
easat-9128	181	17	risk	risk	NOUN
easat-9128	181	18	management	management	NOUN
easat-9128	181	19	.	.	PUNCT
easat-9128	182	1	the	the	DET
easat-9128	182	2	ojk	ojk	NOUN
easat-9128	182	3	and	and	CCONJ
easat-9128	182	4	bank	bank	PROPN
easat-9128	182	5	indonesia	indonesia	PROPN
easat-9128	182	6	,	,	PUNCT
easat-9128	182	7	as	as	ADP
easat-9128	182	8	the	the	DET
easat-9128	182	9	country	country	NOUN
easat-9128	182	10	’s	’s	PART
easat-9128	182	11	primary	primary	ADJ
easat-9128	182	12	regulatory	regulatory	ADJ
easat-9128	182	13	authorities	authority	NOUN
easat-9128	182	14	,	,	PUNCT
easat-9128	182	15	can	can	AUX
easat-9128	182	16	provide	provide	VERB
easat-9128	182	17	oversight	oversight	NOUN
easat-9128	182	18	and	and	CCONJ
easat-9128	182	19	accreditation	accreditation	NOUN
easat-9128	182	20	for	for	ADP
easat-9128	182	21	these	these	DET
easat-9128	182	22	educational	educational	ADJ
easat-9128	182	23	initiatives	initiative	NOUN
easat-9128	182	24	,	,	PUNCT
easat-9128	182	25	ensuring	ensure	VERB
easat-9128	182	26	that	that	SCONJ
easat-9128	182	27	they	they	PRON
easat-9128	182	28	meet	meet	VERB
easat-9128	182	29	high	high	ADJ
easat-9128	182	30	standards	standard	NOUN
easat-9128	182	31	of	of	ADP
easat-9128	182	32	quality	quality	NOUN
easat-9128	182	33	and	and	CCONJ
easat-9128	182	34	relevance	relevance	NOUN
easat-9128	182	35	.	.	PUNCT
easat-9128	183	1	interactive	interactive	ADJ
easat-9128	183	2	tools	tool	NOUN
easat-9128	183	3	,	,	PUNCT
easat-9128	183	4	such	such	ADJ
easat-9128	183	5	as	as	ADP
easat-9128	183	6	online	online	ADJ
easat-9128	183	7	forums	forum	NOUN
easat-9128	183	8	or	or	CCONJ
easat-9128	183	9	webinars	webinar	NOUN
easat-9128	183	10	featuring	feature	VERB
easat-9128	183	11	financial	financial	ADJ
easat-9128	183	12	experts	expert	NOUN
easat-9128	183	13	,	,	PUNCT
easat-9128	183	14	can	can	AUX
easat-9128	183	15	also	also	ADV
easat-9128	183	16	be	be	AUX
easat-9128	183	17	developed	develop	VERB
easat-9128	183	18	to	to	PART
easat-9128	183	19	foster	foster	VERB
easat-9128	183	20	a	a	DET
easat-9128	183	21	deeper	deep	ADJ
easat-9128	183	22	understanding	understanding	NOUN
easat-9128	183	23	of	of	ADP
easat-9128	183	24	financial	financial	ADJ
easat-9128	183	25	markets	market	NOUN
easat-9128	183	26	.	.	PUNCT
easat-9128	184	1	these	these	DET
easat-9128	184	2	platforms	platform	NOUN
easat-9128	184	3	can	can	AUX
easat-9128	184	4	serve	serve	VERB
easat-9128	184	5	as	as	ADP
easat-9128	184	6	spaces	space	NOUN
easat-9128	184	7	where	where	SCONJ
easat-9128	184	8	young	young	ADJ
easat-9128	184	9	investors	investor	NOUN
easat-9128	184	10	can	can	AUX
easat-9128	184	11	ask	ask	VERB
easat-9128	184	12	questions	question	NOUN
easat-9128	184	13	,	,	PUNCT
easat-9128	184	14	share	share	NOUN
easat-9128	184	15	experiences	experience	NOUN
easat-9128	184	16	,	,	PUNCT
easat-9128	184	17	and	and	CCONJ
easat-9128	184	18	learn	learn	VERB
easat-9128	184	19	from	from	ADP
easat-9128	184	20	others	other	NOUN
easat-9128	184	21	.	.	PUNCT
easat-9128	185	1	furthermore	furthermore	ADV
easat-9128	185	2	,	,	PUNCT
easat-9128	185	3	fintech	fintech	NOUN
easat-9128	185	4	startups	startup	NOUN
easat-9128	185	5	can	can	AUX
easat-9128	185	6	collaborate	collaborate	VERB
easat-9128	185	7	with	with	ADP
easat-9128	185	8	these	these	DET
easat-9128	185	9	institutions	institution	NOUN
easat-9128	185	10	to	to	PART
easat-9128	185	11	create	create	VERB
easat-9128	185	12	practical	practical	ADJ
easat-9128	185	13	tools	tool	NOUN
easat-9128	185	14	—	—	PUNCT
easat-9128	185	15	such	such	ADJ
easat-9128	185	16	as	as	ADP
easat-9128	185	17	risk	risk	NOUN
easat-9128	185	18	assessment	assessment	NOUN
easat-9128	185	19	calculators	calculator	NOUN
easat-9128	185	20	or	or	CCONJ
easat-9128	185	21	portfolio	portfolio	NOUN
easat-9128	185	22	simulators	simulator	NOUN
easat-9128	185	23	—	—	PUNCT
easat-9128	185	24	that	that	PRON
easat-9128	185	25	can	can	AUX
easat-9128	185	26	help	help	VERB
easat-9128	185	27	young	young	ADJ
easat-9128	185	28	investors	investor	NOUN
easat-9128	185	29	evaluate	evaluate	VERB
easat-9128	185	30	potential	potential	ADJ
easat-9128	185	31	investments	investment	NOUN
easat-9128	185	32	and	and	CCONJ
easat-9128	185	33	make	make	VERB
easat-9128	185	34	more	more	ADV
easat-9128	185	35	informed	informed	ADJ
easat-9128	185	36	decisions	decision	NOUN
easat-9128	185	37	based	base	VERB
easat-9128	185	38	on	on	ADP
easat-9128	185	39	their	their	PRON
easat-9128	185	40	personal	personal	ADJ
easat-9128	185	41	financial	financial	ADJ
easat-9128	185	42	goals	goal	NOUN
easat-9128	185	43	and	and	CCONJ
easat-9128	185	44	risk	risk	NOUN
easat-9128	185	45	tolerance	tolerance	NOUN
easat-9128	185	46	.	.	PUNCT
easat-9128	186	1	in	in	ADP
easat-9128	186	2	conclusion	conclusion	NOUN
easat-9128	186	3	,	,	PUNCT
easat-9128	186	4	the	the	DET
easat-9128	186	5	findings	finding	NOUN
easat-9128	186	6	of	of	ADP
easat-9128	186	7	this	this	DET
easat-9128	186	8	study	study	NOUN
easat-9128	186	9	emphasize	emphasize	VERB
easat-9128	186	10	the	the	DET
easat-9128	186	11	critical	critical	ADJ
easat-9128	186	12	role	role	NOUN
easat-9128	186	13	of	of	ADP
easat-9128	186	14	financial	financial	ADJ
easat-9128	186	15	literacy	literacy	NOUN
easat-9128	186	16	in	in	ADP
easat-9128	186	17	shaping	shape	VERB
easat-9128	186	18	investment	investment	NOUN
easat-9128	186	19	decisions	decision	NOUN
easat-9128	186	20	,	,	PUNCT
easat-9128	186	21	especially	especially	ADV
easat-9128	186	22	in	in	ADP
easat-9128	186	23	the	the	DET
easat-9128	186	24	rapidly	rapidly	ADV
easat-9128	186	25	evolving	evolve	VERB
easat-9128	186	26	digital	digital	ADJ
easat-9128	186	27	economy	economy	NOUN
easat-9128	186	28	.	.	PUNCT
easat-9128	187	1	to	to	PART
easat-9128	187	2	ensure	ensure	VERB
easat-9128	187	3	that	that	SCONJ
easat-9128	187	4	young	young	ADJ
easat-9128	187	5	indonesians	indonesian	NOUN
easat-9128	187	6	can	can	AUX
easat-9128	187	7	navigate	navigate	VERB
easat-9128	187	8	the	the	DET
easat-9128	187	9	complexities	complexity	NOUN
easat-9128	187	10	of	of	ADP
easat-9128	187	11	digital	digital	ADJ
easat-9128	187	12	investments	investment	NOUN
easat-9128	187	13	successfully	successfully	ADV
easat-9128	187	14	,	,	PUNCT
easat-9128	187	15	it	it	PRON
easat-9128	187	16	is	be	AUX
easat-9128	187	17	essential	essential	ADJ
easat-9128	187	18	to	to	PART
easat-9128	187	19	implement	implement	VERB
easat-9128	187	20	targeted	target	VERB
easat-9128	187	21	educational	educational	ADJ
easat-9128	187	22	programs	program	NOUN
easat-9128	187	23	,	,	PUNCT
easat-9128	187	24	improve	improve	VERB
easat-9128	187	25	the	the	DET
easat-9128	187	26	integration	integration	NOUN
easat-9128	187	27	of	of	ADP
easat-9128	187	28	financial	financial	ADJ
easat-9128	187	29	literacy	literacy	NOUN
easat-9128	187	30	within	within	ADP
easat-9128	187	31	digital	digital	ADJ
easat-9128	187	32	platforms	platform	NOUN
easat-9128	187	33	,	,	PUNCT
easat-9128	187	34	and	and	CCONJ
easat-9128	187	35	strengthen	strengthen	VERB
easat-9128	187	36	regulation	regulation	NOUN
easat-9128	187	37	of	of	ADP
easat-9128	187	38	investment	investment	NOUN
easat-9128	187	39	content	content	NOUN
easat-9128	187	40	on	on	ADP
easat-9128	187	41	social	social	ADJ
easat-9128	187	42	media	medium	NOUN
easat-9128	187	43	.	.	PUNCT
easat-9128	188	1	by	by	ADP
easat-9128	188	2	doing	do	VERB
easat-9128	188	3	so	so	ADV
easat-9128	188	4	,	,	PUNCT
easat-9128	188	5	indonesia	indonesia	PROPN
easat-9128	188	6	can	can	AUX
easat-9128	188	7	promote	promote	VERB
easat-9128	188	8	greater	great	ADJ
easat-9128	188	9	financial	financial	ADJ
easat-9128	188	10	inclusion	inclusion	NOUN
easat-9128	188	11	,	,	PUNCT
easat-9128	188	12	foster	foster	ADJ
easat-9128	188	13	responsible	responsible	ADJ
easat-9128	188	14	investing	investing	NOUN
easat-9128	188	15	,	,	PUNCT
easat-9128	188	16	and	and	CCONJ
easat-9128	188	17	build	build	VERB
easat-9128	188	18	a	a	DET
easat-9128	188	19	more	more	ADV
easat-9128	188	20	stable	stable	ADJ
easat-9128	188	21	and	and	CCONJ
easat-9128	188	22	resilient	resilient	ADJ
easat-9128	188	23	digital	digital	ADJ
easat-9128	188	24	capital	capital	NOUN
easat-9128	188	25	market	market	NOUN
easat-9128	188	26	.	.	PUNCT
easat-9128	189	1	5	5	X
easat-9128	189	2	.	.	X
easat-9128	189	3	conclusion	conclusion	NOUN
easat-9128	189	4	the	the	DET
easat-9128	189	5	research	research	NOUN
easat-9128	189	6	findings	finding	NOUN
easat-9128	189	7	indicate	indicate	VERB
easat-9128	189	8	several	several	ADJ
easat-9128	189	9	key	key	ADJ
easat-9128	189	10	conclusions	conclusion	NOUN
easat-9128	189	11	related	relate	VERB
easat-9128	189	12	to	to	ADP
easat-9128	189	13	the	the	DET
easat-9128	189	14	tested	test	VERB
easat-9128	189	15	hypotheses	hypothesis	NOUN
easat-9128	189	16	.	.	PUNCT
easat-9128	190	1	workshop	workshop	NOUN
easat-9128	190	2	management	management	NOUN
easat-9128	190	3	plays	play	VERB
easat-9128	190	4	a	a	DET
easat-9128	190	5	significant	significant	ADJ
easat-9128	190	6	and	and	CCONJ
easat-9128	190	7	direct	direct	ADJ
easat-9128	190	8	role	role	NOUN
easat-9128	190	9	in	in	ADP
easat-9128	190	10	enhancing	enhance	VERB
easat-9128	190	11	automotive	automotive	ADJ
easat-9128	190	12	electrical	electrical	ADJ
easat-9128	190	13	competence	competence	NOUN
easat-9128	190	14	.	.	PUNCT
easat-9128	191	1	the	the	DET
easat-9128	191	2	support	support	NOUN
easat-9128	191	3	provided	provide	VERB
easat-9128	191	4	by	by	ADP
easat-9128	191	5	infrastructure	infrastructure	NOUN
easat-9128	191	6	and	and	CCONJ
easat-9128	191	7	effective	effective	ADJ
easat-9128	191	8	workshop	workshop	NOUN
easat-9128	191	9	management	management	NOUN
easat-9128	191	10	fosters	foster	VERB
easat-9128	191	11	practical	practical	ADJ
easat-9128	191	12	activities	activity	NOUN
easat-9128	191	13	,	,	PUNCT
easat-9128	191	14	which	which	PRON
easat-9128	191	15	in	in	ADP
easat-9128	191	16	turn	turn	NOUN
easat-9128	191	17	automatically	automatically	ADV
easat-9128	191	18	improves	improve	VERB
easat-9128	191	19	competence	competence	NOUN
easat-9128	191	20	.	.	PUNCT
easat-9128	192	1	conversely	conversely	ADV
easat-9128	192	2	,	,	PUNCT
easat-9128	192	3	time	time	NOUN
easat-9128	192	4	management	management	NOUN
easat-9128	192	5	does	do	AUX
easat-9128	192	6	not	not	PART
easat-9128	192	7	have	have	VERB
easat-9128	192	8	a	a	DET
easat-9128	192	9	measurable	measurable	ADJ
easat-9128	192	10	impact	impact	NOUN
easat-9128	192	11	on	on	ADP
easat-9128	192	12	automotive	automotive	ADJ
easat-9128	192	13	electrical	electrical	ADJ
easat-9128	192	14	competence	competence	NOUN
easat-9128	192	15	.	.	PUNCT
easat-9128	193	1	additionally	additionally	ADV
easat-9128	193	2	,	,	PUNCT
easat-9128	193	3	problem	problem	NOUN
easat-9128	193	4	-	-	PUNCT
easat-9128	193	5	solving	solve	VERB
easat-9128	193	6	ability	ability	NOUN
easat-9128	193	7	has	have	VERB
easat-9128	193	8	a	a	DET
easat-9128	193	9	direct	direct	ADJ
easat-9128	193	10	,	,	PUNCT
easat-9128	193	11	positive	positive	ADJ
easat-9128	193	12	,	,	PUNCT
easat-9128	193	13	and	and	CCONJ
easat-9128	193	14	significant	significant	ADJ
easat-9128	193	15	effect	effect	NOUN
easat-9128	193	16	on	on	ADP
easat-9128	193	17	automotive	automotive	ADJ
easat-9128	193	18	electrical	electrical	ADJ
easat-9128	193	19	competence	competence	NOUN
easat-9128	193	20	.	.	PUNCT
easat-9128	194	1	when	when	SCONJ
easat-9128	194	2	students	student	NOUN
easat-9128	194	3	engage	engage	VERB
easat-9128	194	4	in	in	ADP
easat-9128	194	5	problem	problem	NOUN
easat-9128	194	6	-	-	PUNCT
easat-9128	194	7	solving	solving	NOUN
easat-9128	194	8	,	,	PUNCT
easat-9128	194	9	they	they	PRON
easat-9128	194	10	apply	apply	VERB
easat-9128	194	11	their	their	PRON
easat-9128	194	12	acquired	acquire	VERB
easat-9128	194	13	knowledge	knowledge	NOUN
easat-9128	194	14	to	to	PART
easat-9128	194	15	determine	determine	VERB
easat-9128	194	16	methods	method	NOUN
easat-9128	194	17	and	and	CCONJ
easat-9128	194	18	make	make	VERB
easat-9128	194	19	decisions	decision	NOUN
easat-9128	194	20	,	,	PUNCT
easat-9128	194	21	which	which	PRON
easat-9128	194	22	,	,	PUNCT
easat-9128	194	23	often	often	ADV
easat-9128	194	24	unconsciously	unconsciously	ADV
easat-9128	194	25	,	,	PUNCT
easat-9128	194	26	leads	lead	VERB
easat-9128	194	27	to	to	ADP
easat-9128	194	28	an	an	DET
easat-9128	194	29	improvement	improvement	NOUN
easat-9128	194	30	in	in	ADP
easat-9128	194	31	their	their	PRON
easat-9128	194	32	competence	competence	NOUN
easat-9128	194	33	.	.	PUNCT
easat-9128	195	1	moreover	moreover	ADV
easat-9128	195	2	,	,	PUNCT
easat-9128	195	3	workshop	workshop	NOUN
easat-9128	195	4	management	management	NOUN
easat-9128	195	5	also	also	ADV
easat-9128	195	6	positively	positively	ADV
easat-9128	195	7	influences	influence	VERB
easat-9128	195	8	competence	competence	NOUN
easat-9128	195	9	indirectly	indirectly	ADV
easat-9128	195	10	,	,	PUNCT
easat-9128	195	11	through	through	ADP
easat-9128	195	12	the	the	DET
easat-9128	195	13	development	development	NOUN
easat-9128	195	14	of	of	ADP
easat-9128	195	15	problem	problem	NOUN
easat-9128	195	16	-	-	PUNCT
easat-9128	195	17	solving	solve	VERB
easat-9128	195	18	skills	skill	NOUN
easat-9128	195	19	.	.	PUNCT
easat-9128	196	1	on	on	ADP
easat-9128	196	2	the	the	DET
easat-9128	196	3	other	other	ADJ
easat-9128	196	4	hand	hand	NOUN
easat-9128	196	5	,	,	PUNCT
easat-9128	196	6	time	time	NOUN
easat-9128	196	7	management	management	NOUN
easat-9128	196	8	shows	show	VERB
easat-9128	196	9	no	no	DET
easat-9128	196	10	significant	significant	ADJ
easat-9128	196	11	effect	effect	NOUN
easat-9128	196	12	on	on	ADP
easat-9128	196	13	automotive	automotive	ADJ
easat-9128	196	14	electrical	electrical	ADJ
easat-9128	196	15	competence	competence	NOUN
easat-9128	196	16	,	,	PUNCT
easat-9128	196	17	either	either	CCONJ
easat-9128	196	18	directly	directly	ADV
easat-9128	196	19	or	or	CCONJ
easat-9128	196	20	through	through	ADP
easat-9128	196	21	problem	problem	NOUN
easat-9128	196	22	-	-	PUNCT
easat-9128	196	23	solving	solve	VERB
easat-9128	196	24	ability	ability	NOUN
easat-9128	196	25	.	.	PUNCT
easat-9128	197	1	2137	2137	NUM
easat-9128	197	2	edelweiss	edelweiss	PROPN
easat-9128	197	3	applied	apply	VERB
easat-9128	197	4	science	science	NOUN
easat-9128	197	5	and	and	CCONJ
easat-9128	197	6	technology	technology	NOUN
easat-9128	197	7	issn	issn	PROPN
easat-9128	197	8	:	:	PUNCT
easat-9128	197	9	2576	2576	NUM
easat-9128	197	10	-	-	SYM
easat-9128	197	11	8484	8484	NUM
easat-9128	197	12	vol	vol	NOUN
easat-9128	197	13	.	.	PROPN
easat-9128	198	1	9	9	NUM
easat-9128	198	2	,	,	PUNCT
easat-9128	198	3	no	no	INTJ
easat-9128	198	4	.	.	NOUN
easat-9128	198	5	7	7	NUM
easat-9128	198	6	:	:	SYM
easat-9128	198	7	2129	2129	NUM
easat-9128	198	8	-	-	SYM
easat-9128	198	9	2138	2138	NUM
easat-9128	198	10	,	,	PUNCT
easat-9128	198	11	2025	2025	NUM
easat-9128	198	12	doi	doi	NOUN
easat-9128	198	13	:	:	PUNCT
easat-9128	198	14	10.55214/2576	10.55214/2576	NUM
easat-9128	198	15	-	-	PUNCT
easat-9128	198	16	8484.v9i7.9128	8484.v9i7.9128	NOUN
easat-9128	198	17	©	©	NOUN
easat-9128	198	18	2025	2025	NUM
easat-9128	198	19	by	by	ADP
easat-9128	198	20	the	the	DET
easat-9128	198	21	authors	author	NOUN
easat-9128	198	22	;	;	PUNCT
easat-9128	198	23	licensee	licensee	PROPN
easat-9128	198	24	learning	learn	VERB
easat-9128	198	25	gate	gate	NOUN
easat-9128	198	26	transparency	transparency	NOUN
easat-9128	198	27	:	:	PUNCT
easat-9128	198	28	the	the	DET
easat-9128	198	29	authors	author	NOUN
easat-9128	198	30	confirm	confirm	VERB
easat-9128	198	31	that	that	SCONJ
easat-9128	198	32	the	the	DET
easat-9128	198	33	manuscript	manuscript	NOUN
easat-9128	198	34	is	be	AUX
easat-9128	198	35	an	an	DET
easat-9128	198	36	honest	honest	ADJ
easat-9128	198	37	,	,	PUNCT
easat-9128	198	38	accurate	accurate	ADJ
easat-9128	198	39	,	,	PUNCT
easat-9128	198	40	and	and	CCONJ
easat-9128	198	41	transparent	transparent	ADJ
easat-9128	198	42	account	account	NOUN
easat-9128	198	43	of	of	ADP
easat-9128	198	44	the	the	DET
easat-9128	198	45	study	study	NOUN
easat-9128	198	46	;	;	PUNCT
easat-9128	198	47	that	that	SCONJ
easat-9128	198	48	no	no	DET
easat-9128	198	49	vital	vital	ADJ
easat-9128	198	50	features	feature	NOUN
easat-9128	198	51	of	of	ADP
easat-9128	198	52	the	the	DET
easat-9128	198	53	study	study	NOUN
easat-9128	198	54	have	have	AUX
easat-9128	198	55	been	be	AUX
easat-9128	198	56	omitted	omit	VERB
easat-9128	198	57	;	;	PUNCT
easat-9128	198	58	and	and	CCONJ
easat-9128	198	59	that	that	SCONJ
easat-9128	198	60	any	any	DET
easat-9128	198	61	discrepancies	discrepancy	NOUN
easat-9128	198	62	from	from	ADP
easat-9128	198	63	the	the	DET
easat-9128	198	64	study	study	NOUN
easat-9128	198	65	as	as	SCONJ
easat-9128	198	66	planned	plan	VERB
easat-9128	198	67	have	have	AUX
easat-9128	198	68	been	be	AUX
easat-9128	198	69	explained	explain	VERB
easat-9128	198	70	.	.	PUNCT
easat-9128	199	1	this	this	DET
easat-9128	199	2	study	study	NOUN
easat-9128	199	3	followed	follow	VERB
easat-9128	199	4	all	all	DET
easat-9128	199	5	ethical	ethical	ADJ
easat-9128	199	6	practices	practice	NOUN
easat-9128	199	7	during	during	ADP
easat-9128	199	8	writing	writing	NOUN
easat-9128	199	9	.	.	PUNCT
easat-9128	200	1	acknowledgments	acknowledgment	NOUN
easat-9128	200	2	:	:	PUNCT
easat-9128	200	3	the	the	DET
easat-9128	200	4	author	author	NOUN
easat-9128	200	5	would	would	AUX
easat-9128	200	6	like	like	VERB
easat-9128	200	7	to	to	PART
easat-9128	200	8	express	express	VERB
easat-9128	200	9	sincere	sincere	ADJ
easat-9128	200	10	gratitude	gratitude	NOUN
easat-9128	200	11	to	to	ADP
easat-9128	200	12	pt	pt	PROPN
easat-9128	200	13	.	.	PROPN
easat-9128	200	14	virama	virama	PROPN
easat-9128	200	15	karya	karya	PROPN
easat-9128	200	16	for	for	ADP
easat-9128	200	17	funding	fund	VERB
easat-9128	200	18	this	this	DET
easat-9128	200	19	research	research	NOUN
easat-9128	200	20	through	through	ADP
easat-9128	200	21	the	the	DET
easat-9128	200	22	2022	2022	NUM
easat-9128	200	23	corporate	corporate	ADJ
easat-9128	200	24	social	social	ADJ
easat-9128	200	25	and	and	CCONJ
easat-9128	200	26	environmental	environmental	ADJ
easat-9128	200	27	responsibility	responsibility	NOUN
easat-9128	200	28	program	program	NOUN
easat-9128	200	29	.	.	PUNCT
easat-9128	201	1	copyright	copyright	NOUN
easat-9128	201	2	:	:	PUNCT
easat-9128	201	3	©	©	PROPN
easat-9128	201	4	2025	2025	NUM
easat-9128	201	5	by	by	ADP
easat-9128	201	6	the	the	DET
easat-9128	201	7	authors	author	NOUN
easat-9128	201	8	.	.	PUNCT
easat-9128	202	1	this	this	DET
easat-9128	202	2	open	open	ADJ
easat-9128	202	3	-	-	PUNCT
easat-9128	202	4	access	access	NOUN
easat-9128	202	5	article	article	NOUN
easat-9128	202	6	is	be	AUX
easat-9128	202	7	distributed	distribute	VERB
easat-9128	202	8	under	under	ADP
easat-9128	202	9	the	the	DET
easat-9128	202	10	terms	term	NOUN
easat-9128	202	11	and	and	CCONJ
easat-9128	202	12	conditions	condition	NOUN
easat-9128	202	13	of	of	ADP
easat-9128	202	14	the	the	DET
easat-9128	202	15	creative	creative	ADJ
easat-9128	202	16	commons	common	NOUN
easat-9128	202	17	attribution	attribution	NOUN
easat-9128	202	18	(	(	PUNCT
easat-9128	202	19	cc	cc	NOUN
easat-9128	202	20	by	by	ADP
easat-9128	202	21	)	)	PUNCT
easat-9128	202	22	license	license	NOUN
easat-9128	202	23	(	(	PUNCT
easat-9128	202	24	https://creativecommons.org/licenses/by/4.0/	https://creativecommons.org/licenses/by/4.0/	PROPN
easat-9128	202	25	)	)	PUNCT
easat-9128	202	26	.	.	PUNCT
easat-9128	203	1	references	reference	NOUN
easat-9128	203	2	[	[	X
easat-9128	203	3	1	1	X
easat-9128	203	4	]	]	PUNCT
easat-9128	203	5	s.	s.	PROPN
easat-9128	203	6	chishti	chishti	PROPN
easat-9128	203	7	and	and	CCONJ
easat-9128	203	8	j.	j.	PROPN
easat-9128	203	9	barberis	barberis	PROPN
easat-9128	203	10	,	,	PUNCT
easat-9128	203	11	the	the	DET
easat-9128	203	12	fintech	fintech	NOUN
easat-9128	203	13	book	book	NOUN
easat-9128	203	14	:	:	PUNCT
easat-9128	203	15	the	the	DET
easat-9128	203	16	financial	financial	ADJ
easat-9128	203	17	technology	technology	NOUN
easat-9128	203	18	handbook	handbook	NOUN
easat-9128	203	19	for	for	ADP
easat-9128	203	20	investors	investor	NOUN
easat-9128	203	21	,	,	PUNCT
easat-9128	203	22	entrepreneurs	entrepreneur	NOUN
easat-9128	203	23	and	and	CCONJ
easat-9128	203	24	visionaries	visionary	NOUN
easat-9128	203	25	.	.	PUNCT
easat-9128	204	1	west	west	PROPN
easat-9128	204	2	sussex	sussex	PROPN
easat-9128	204	3	,	,	PUNCT
easat-9128	204	4	uk	uk	PROPN
easat-9128	204	5	:	:	PUNCT
easat-9128	204	6	john	john	PROPN
easat-9128	204	7	wiley	wiley	PROPN
easat-9128	204	8	&	&	CCONJ
easat-9128	204	9	sons	son	NOUN
easat-9128	204	10	,	,	PUNCT
easat-9128	204	11	2016	2016	NUM
easat-9128	204	12	.	.	PUNCT
easat-9128	205	1	[	[	X
easat-9128	205	2	2	2	NUM
easat-9128	205	3	]	]	PUNCT
easat-9128	205	4	m.	m.	NOUN
easat-9128	205	5	dimock	dimock	NOUN
easat-9128	205	6	,	,	PUNCT
easat-9128	205	7	"	"	PUNCT
easat-9128	205	8	defining	define	VERB
easat-9128	205	9	generations	generation	NOUN
easat-9128	205	10	:	:	PUNCT
easat-9128	205	11	where	where	SCONJ
easat-9128	205	12	millennials	millennial	NOUN
easat-9128	205	13	end	end	VERB
easat-9128	205	14	and	and	CCONJ
easat-9128	205	15	generation	generation	NOUN
easat-9128	205	16	z	z	NOUN
easat-9128	205	17	begins	begin	VERB
easat-9128	205	18	,	,	PUNCT
easat-9128	205	19	"	"	PUNCT
easat-9128	205	20	pew	pew	NOUN
easat-9128	205	21	research	research	NOUN
easat-9128	205	22	center	center	NOUN
easat-9128	205	23	,	,	PUNCT
easat-9128	205	24	vol	vol	NOUN
easat-9128	205	25	.	.	PROPN
easat-9128	205	26	17	17	NUM
easat-9128	205	27	,	,	PUNCT
easat-9128	205	28	no	no	INTJ
easat-9128	205	29	.	.	NOUN
easat-9128	205	30	1	1	NUM
easat-9128	205	31	,	,	PUNCT
easat-9128	205	32	pp	pp	ADJ
easat-9128	205	33	.	.	PUNCT
easat-9128	206	1	1	1	NUM
easat-9128	206	2	-	-	SYM
easat-9128	206	3	7	7	NUM
easat-9128	206	4	,	,	PUNCT
easat-9128	206	5	2019	2019	NUM
easat-9128	206	6	.	.	PUNCT
easat-9128	207	1	[	[	X
easat-9128	207	2	3	3	X
easat-9128	207	3	]	]	PUNCT
easat-9128	207	4	m.	m.	NOUN
easat-9128	207	5	labouré	labouré	PROPN
easat-9128	207	6	and	and	CCONJ
easat-9128	207	7	n.	n.	PROPN
easat-9128	207	8	deffrennes	deffrenne	NOUN
easat-9128	207	9	,	,	PUNCT
easat-9128	207	10	democratizing	democratize	VERB
easat-9128	207	11	finance	finance	NOUN
easat-9128	207	12	:	:	PUNCT
easat-9128	207	13	the	the	DET
easat-9128	207	14	radical	radical	ADJ
easat-9128	207	15	promise	promise	NOUN
easat-9128	207	16	of	of	ADP
easat-9128	207	17	fintech	fintech	NOUN
easat-9128	207	18	.	.	PUNCT
easat-9128	208	1	cambridge	cambridge	PROPN
easat-9128	208	2	,	,	PUNCT
easat-9128	208	3	ma	ma	PROPN
easat-9128	208	4	:	:	PUNCT
easat-9128	208	5	harvard	harvard	PROPN
easat-9128	208	6	university	university	PROPN
easat-9128	208	7	press	press	NOUN
easat-9128	208	8	,	,	PUNCT
easat-9128	208	9	2022	2022	NUM
easat-9128	208	10	.	.	PUNCT
easat-9128	209	1	[	[	X
easat-9128	209	2	4	4	X
easat-9128	209	3	]	]	PUNCT
easat-9128	209	4	s.	s.	PROPN
easat-9128	209	5	braunstein	braunstein	PROPN
easat-9128	209	6	and	and	CCONJ
easat-9128	209	7	c.	c.	PROPN
easat-9128	209	8	welch	welch	PROPN
easat-9128	209	9	,	,	PUNCT
easat-9128	209	10	"	"	PUNCT
easat-9128	209	11	financial	financial	ADJ
easat-9128	209	12	literacy	literacy	NOUN
easat-9128	209	13	:	:	PUNCT
easat-9128	209	14	an	an	DET
easat-9128	209	15	overview	overview	NOUN
easat-9128	209	16	of	of	ADP
easat-9128	209	17	practice	practice	NOUN
easat-9128	209	18	,	,	PUNCT
easat-9128	209	19	research	research	NOUN
easat-9128	209	20	,	,	PUNCT
easat-9128	209	21	and	and	CCONJ
easat-9128	209	22	policy	policy	NOUN
easat-9128	209	23	,	,	PUNCT
easat-9128	209	24	"	"	PUNCT
easat-9128	209	25	federal	federal	PROPN
easat-9128	209	26	reserve	reserve	PROPN
easat-9128	209	27	bulletin	bulletin	PROPN
easat-9128	209	28	,	,	PUNCT
easat-9128	209	29	vol	vol	NOUN
easat-9128	209	30	.	.	PROPN
easat-9128	209	31	88	88	NUM
easat-9128	209	32	,	,	PUNCT
easat-9128	209	33	p.	p.	NOUN
easat-9128	209	34	445	445	NUM
easat-9128	209	35	,	,	PUNCT
easat-9128	209	36	2002	2002	NUM
easat-9128	209	37	.	.	PUNCT
easat-9128	210	1	[	[	X
easat-9128	210	2	5	5	NUM
easat-9128	210	3	]	]	PUNCT
easat-9128	210	4	r.	r.	PROPN
easat-9128	210	5	k.	k.	PROPN
easat-9128	210	6	hilgert	hilgert	PROPN
easat-9128	210	7	and	and	CCONJ
easat-9128	210	8	m.	m.	PROPN
easat-9128	210	9	luttrell	luttrell	PROPN
easat-9128	210	10	,	,	PUNCT
easat-9128	210	11	"	"	PUNCT
easat-9128	210	12	investigating	investigate	VERB
easat-9128	210	13	the	the	DET
easat-9128	210	14	impact	impact	NOUN
easat-9128	210	15	of	of	ADP
easat-9128	210	16	financial	financial	ADJ
easat-9128	210	17	literacy	literacy	NOUN
easat-9128	210	18	and	and	CCONJ
easat-9128	210	19	income	income	NOUN
easat-9128	210	20	on	on	ADP
easat-9128	210	21	financial	financial	ADJ
easat-9128	210	22	behaviors	behavior	NOUN
easat-9128	210	23	among	among	ADP
easat-9128	210	24	millennials	millennial	NOUN
easat-9128	210	25	,	,	PUNCT
easat-9128	210	26	"	"	PUNCT
easat-9128	210	27	indonesia	indonesia	PROPN
easat-9128	210	28	accounting	accounting	PROPN
easat-9128	210	29	research	research	PROPN
easat-9128	210	30	journal	journal	PROPN
easat-9128	210	31	,	,	PUNCT
easat-9128	210	32	vol	vol	NOUN
easat-9128	210	33	.	.	PROPN
easat-9128	210	34	11	11	NUM
easat-9128	210	35	,	,	PUNCT
easat-9128	210	36	no	no	INTJ
easat-9128	210	37	.	.	NOUN
easat-9128	210	38	1	1	NUM
easat-9128	210	39	,	,	PUNCT
easat-9128	210	40	pp	pp	ADJ
easat-9128	210	41	.	.	PUNCT
easat-9128	211	1	37	37	NUM
easat-9128	211	2	-	-	SYM
easat-9128	211	3	50	50	NUM
easat-9128	211	4	,	,	PUNCT
easat-9128	211	5	2023	2023	NUM
easat-9128	211	6	.	.	PUNCT
easat-9128	212	1	[	[	X
easat-9128	212	2	6	6	NUM
easat-9128	212	3	]	]	PUNCT
easat-9128	212	4	j.	j.	PROPN
easat-9128	212	5	c.	c.	PROPN
easat-9128	212	6	tavares	tavares	PROPN
easat-9128	212	7	,	,	PUNCT
easat-9128	212	8	"	"	PUNCT
easat-9128	212	9	the	the	DET
easat-9128	212	10	impact	impact	NOUN
easat-9128	212	11	offinancial	offinancial	ADJ
easat-9128	212	12	knowledge	knowledge	NOUN
easat-9128	212	13	and	and	CCONJ
easat-9128	212	14	digital	digital	ADJ
easat-9128	212	15	financial	financial	ADJ
easat-9128	212	16	services	service	NOUN
easat-9128	212	17	on	on	ADP
easat-9128	212	18	millennials	millennial	NOUN
easat-9128	212	19	’	'	PUNCT
easat-9128	212	20	financial	financial	ADJ
easat-9128	212	21	behaviour	behaviour	NOUN
easat-9128	212	22	,	,	PUNCT
easat-9128	212	23	"	"	PUNCT
easat-9128	212	24	iscte	iscte	NOUN
easat-9128	212	25	-	-	PUNCT
easat-9128	212	26	instituto	instituto	PROPN
easat-9128	212	27	universitario	universitario	PROPN
easat-9128	212	28	de	de	PROPN
easat-9128	212	29	lisboa	lisboa	PROPN
easat-9128	212	30	(	(	PUNCT
easat-9128	212	31	portugal	portugal	PROPN
easat-9128	212	32	)	)	PUNCT
easat-9128	212	33	,	,	PUNCT
easat-9128	212	34	2022	2022	NUM
easat-9128	212	35	.	.	PUNCT
easat-9128	213	1	[	[	X
easat-9128	213	2	7	7	X
easat-9128	213	3	]	]	X
easat-9128	213	4	v.	v.	CCONJ
easat-9128	213	5	deenanath	deenanath	PROPN
easat-9128	213	6	,	,	PUNCT
easat-9128	213	7	s.	s.	PROPN
easat-9128	213	8	m.	m.	PROPN
easat-9128	213	9	danes	danes	PROPN
easat-9128	213	10	,	,	PUNCT
easat-9128	213	11	and	and	CCONJ
easat-9128	213	12	j.	j.	PROPN
easat-9128	213	13	jang	jang	PROPN
easat-9128	213	14	,	,	PUNCT
easat-9128	213	15	"	"	PUNCT
easat-9128	213	16	purposive	purposive	ADJ
easat-9128	213	17	and	and	CCONJ
easat-9128	213	18	unintentional	unintentional	ADJ
easat-9128	213	19	family	family	NOUN
easat-9128	213	20	financial	financial	ADJ
easat-9128	213	21	socialization	socialization	NOUN
easat-9128	213	22	,	,	PUNCT
easat-9128	213	23	subjective	subjective	ADJ
easat-9128	213	24	financial	financial	ADJ
easat-9128	213	25	knowledge	knowledge	NOUN
easat-9128	213	26	,	,	PUNCT
easat-9128	213	27	and	and	CCONJ
easat-9128	213	28	financial	financial	ADJ
easat-9128	213	29	behavior	behavior	NOUN
easat-9128	213	30	of	of	ADP
easat-9128	213	31	high	high	ADJ
easat-9128	213	32	school	school	NOUN
easat-9128	213	33	students	student	NOUN
easat-9128	213	34	,	,	PUNCT
easat-9128	213	35	"	"	PUNCT
easat-9128	213	36	journal	journal	NOUN
easat-9128	213	37	of	of	ADP
easat-9128	213	38	financial	financial	ADJ
easat-9128	213	39	counseling	counseling	NOUN
easat-9128	213	40	and	and	CCONJ
easat-9128	213	41	planning	planning	NOUN
easat-9128	213	42	,	,	PUNCT
easat-9128	213	43	vol	vol	NOUN
easat-9128	213	44	.	.	PROPN
easat-9128	213	45	30	30	NUM
easat-9128	213	46	,	,	PUNCT
easat-9128	213	47	no	no	INTJ
easat-9128	213	48	.	.	NOUN
easat-9128	213	49	1	1	NUM
easat-9128	213	50	,	,	PUNCT
easat-9128	213	51	pp	pp	ADJ
easat-9128	213	52	.	.	PUNCT
easat-9128	213	53	83	83	NUM
easat-9128	213	54	-	-	SYM
easat-9128	213	55	96	96	NUM
easat-9128	213	56	,	,	PUNCT
easat-9128	213	57	2019	2019	NUM
easat-9128	213	58	.	.	PUNCT
easat-9128	214	1	[	[	X
easat-9128	214	2	8	8	NUM
easat-9128	214	3	]	]	PUNCT
easat-9128	214	4	a.	a.	NOUN
easat-9128	214	5	rangapur	rangapur	NOUN
easat-9128	214	6	,	,	PUNCT
easat-9128	214	7	h.	h.	PROPN
easat-9128	214	8	wang	wang	PROPN
easat-9128	214	9	,	,	PUNCT
easat-9128	214	10	and	and	CCONJ
easat-9128	214	11	k.	k.	PROPN
easat-9128	214	12	shu	shu	PROPN
easat-9128	214	13	,	,	PUNCT
easat-9128	214	14	"	"	PUNCT
easat-9128	214	15	investigating	investigate	VERB
easat-9128	214	16	online	online	ADJ
easat-9128	214	17	financial	financial	ADJ
easat-9128	214	18	misinformation	misinformation	NOUN
easat-9128	214	19	and	and	CCONJ
easat-9128	214	20	its	its	PRON
easat-9128	214	21	consequences	consequence	NOUN
easat-9128	214	22	:	:	PUNCT
easat-9128	214	23	a	a	DET
easat-9128	214	24	computational	computational	ADJ
easat-9128	214	25	perspective	perspective	NOUN
easat-9128	214	26	,	,	PUNCT
easat-9128	214	27	"	"	PUNCT
easat-9128	214	28	arxiv	arxiv	PROPN
easat-9128	214	29	preprint	preprint	NOUN
easat-9128	214	30	arxiv:2309.12363	arxiv:2309.12363	NOUN
easat-9128	214	31	,	,	PUNCT
easat-9128	214	32	2023	2023	NUM
easat-9128	214	33	.	.	PUNCT
easat-9128	215	1	[	[	X
easat-9128	215	2	9	9	NUM
easat-9128	215	3	]	]	PUNCT
easat-9128	215	4	a.	a.	NOUN
easat-9128	215	5	lusardi	lusardi	NOUN
easat-9128	215	6	and	and	CCONJ
easat-9128	215	7	o.	o.	PROPN
easat-9128	215	8	s.	s.	PROPN
easat-9128	215	9	mitchell	mitchell	PROPN
easat-9128	215	10	,	,	PUNCT
easat-9128	215	11	"	"	PUNCT
easat-9128	215	12	how	how	SCONJ
easat-9128	215	13	ordinary	ordinary	ADJ
easat-9128	215	14	consumers	consumer	NOUN
easat-9128	215	15	make	make	VERB
easat-9128	215	16	complex	complex	ADJ
easat-9128	215	17	economic	economic	ADJ
easat-9128	215	18	decisions	decision	NOUN
easat-9128	215	19	:	:	PUNCT
easat-9128	215	20	financial	financial	ADJ
easat-9128	215	21	literacy	literacy	NOUN
easat-9128	215	22	and	and	CCONJ
easat-9128	215	23	retirement	retirement	NOUN
easat-9128	215	24	readiness	readiness	NOUN
easat-9128	215	25	,	,	PUNCT
easat-9128	215	26	"	"	PUNCT
easat-9128	215	27	the	the	DET
easat-9128	215	28	quarterly	quarterly	ADJ
easat-9128	215	29	journal	journal	NOUN
easat-9128	215	30	of	of	ADP
easat-9128	215	31	finance	finance	NOUN
easat-9128	215	32	,	,	PUNCT
easat-9128	215	33	vol	vol	NOUN
easat-9128	215	34	.	.	PROPN
easat-9128	215	35	07	07	NUM
easat-9128	215	36	,	,	PUNCT
easat-9128	215	37	no	no	INTJ
easat-9128	215	38	.	.	NOUN
easat-9128	215	39	03	03	NUM
easat-9128	215	40	,	,	PUNCT
easat-9128	215	41	p.	p.	NOUN
easat-9128	215	42	1750008	1750008	NUM
easat-9128	215	43	,	,	PUNCT
easat-9128	215	44	2017	2017	NUM
easat-9128	215	45	.	.	PUNCT
easat-9128	216	1	https://doi.org/10.1142/s2010139217500082	https://doi.org/10.1142/s2010139217500082	NUM
easat-9128	216	2	[	[	PUNCT
easat-9128	216	3	10	10	NUM
easat-9128	216	4	]	]	X
easat-9128	216	5	e.	e.	PROPN
easat-9128	216	6	m.	m.	PROPN
easat-9128	216	7	utami	utami	PROPN
easat-9128	216	8	,	,	PUNCT
easat-9128	216	9	g.	g.	PROPN
easat-9128	216	10	gusni	gusni	PROPN
easat-9128	216	11	,	,	PUNCT
easat-9128	216	12	r.	r.	PROPN
easat-9128	216	13	yuliani	yuliani	PROPN
easat-9128	216	14	,	,	PUNCT
easat-9128	216	15	and	and	CCONJ
easat-9128	216	16	g.	g.	PROPN
easat-9128	216	17	pesakovic	pesakovic	PROPN
easat-9128	216	18	,	,	PUNCT
easat-9128	216	19	"	"	PUNCT
easat-9128	216	20	financial	financial	ADJ
easat-9128	216	21	knowledge	knowledge	NOUN
easat-9128	216	22	and	and	CCONJ
easat-9128	216	23	social	social	ADJ
easat-9128	216	24	influence	influence	NOUN
easat-9128	216	25	on	on	ADP
easat-9128	216	26	generation	generation	NOUN
easat-9128	216	27	z	z	NOUN
easat-9128	216	28	intention	intention	NOUN
easat-9128	216	29	to	to	PART
easat-9128	216	30	invest	invest	VERB
easat-9128	216	31	:	:	PUNCT
easat-9128	216	32	the	the	DET
easat-9128	216	33	mediating	mediate	VERB
easat-9128	216	34	role	role	NOUN
easat-9128	216	35	of	of	ADP
easat-9128	216	36	financial	financial	ADJ
easat-9128	216	37	attitude	attitude	NOUN
easat-9128	216	38	and	and	CCONJ
easat-9128	216	39	literacy	literacy	NOUN
easat-9128	216	40	,	,	PUNCT
easat-9128	216	41	"	"	PUNCT
easat-9128	216	42	media	media	NOUN
easat-9128	216	43	ekonomi	ekonomi	PROPN
easat-9128	216	44	dan	dan	PROPN
easat-9128	216	45	manajemen	manajemen	PROPN
easat-9128	216	46	,	,	PUNCT
easat-9128	216	47	vol	vol	NOUN
easat-9128	216	48	.	.	PROPN
easat-9128	216	49	40	40	NUM
easat-9128	216	50	,	,	PUNCT
easat-9128	216	51	no	no	INTJ
easat-9128	216	52	.	.	NOUN
easat-9128	216	53	1	1	NUM
easat-9128	216	54	,	,	PUNCT
easat-9128	216	55	pp	pp	ADJ
easat-9128	216	56	.	.	PUNCT
easat-9128	217	1	121	121	NUM
easat-9128	217	2	-	-	SYM
easat-9128	217	3	147	147	NUM
easat-9128	217	4	,	,	PUNCT
easat-9128	217	5	2025	2025	NUM
easat-9128	217	6	.	.	PUNCT
easat-9128	218	1	[	[	X
easat-9128	218	2	11	11	NUM
easat-9128	218	3	]	]	SYM
easat-9128	218	4	organisation	organisation	NOUN
easat-9128	218	5	for	for	ADP
easat-9128	218	6	economic	economic	ADJ
easat-9128	218	7	co	co	NOUN
easat-9128	218	8	-	-	NOUN
easat-9128	218	9	operation	operation	NOUN
easat-9128	218	10	and	and	CCONJ
easat-9128	218	11	development	development	NOUN
easat-9128	218	12	,	,	PUNCT
easat-9128	218	13	"	"	PUNCT
easat-9128	218	14	international	international	ADJ
easat-9128	218	15	survey	survey	NOUN
easat-9128	218	16	of	of	ADP
easat-9128	218	17	adult	adult	NOUN
easat-9128	218	18	financial	financial	ADJ
easat-9128	218	19	literacy	literacy	NOUN
easat-9128	218	20	.	.	PUNCT
easat-9128	219	1	oecd	oecd	PROPN
easat-9128	219	2	publishing	publishing	NOUN
easat-9128	219	3	,	,	PUNCT
easat-9128	219	4	"	"	PUNCT
easat-9128	219	5	paris	paris	PROPN
easat-9128	219	6	,	,	PUNCT
easat-9128	219	7	france	france	PROPN
easat-9128	219	8	,	,	PUNCT
easat-9128	219	9	2021	2021	NUM
easat-9128	219	10	.	.	PUNCT
easat-9128	220	1	[	[	X
easat-9128	220	2	12	12	NUM
easat-9128	220	3	]	]	PUNCT
easat-9128	220	4	a.	a.	NOUN
easat-9128	220	5	faulkner	faulkner	NOUN
easat-9128	220	6	,	,	PUNCT
easat-9128	220	7	"	"	PUNCT
easat-9128	220	8	financial	financial	ADJ
easat-9128	220	9	literacy	literacy	NOUN
easat-9128	220	10	around	around	ADP
easat-9128	220	11	the	the	DET
easat-9128	220	12	world	world	NOUN
easat-9128	220	13	:	:	PUNCT
easat-9128	220	14	what	what	PRON
easat-9128	220	15	we	we	PRON
easat-9128	220	16	can	can	AUX
easat-9128	220	17	learn	learn	VERB
easat-9128	220	18	from	from	ADP
easat-9128	220	19	the	the	DET
easat-9128	220	20	national	national	ADJ
easat-9128	220	21	strategies	strategy	NOUN
easat-9128	220	22	and	and	CCONJ
easat-9128	220	23	contexts	context	NOUN
easat-9128	220	24	of	of	ADP
easat-9128	220	25	the	the	DET
easat-9128	220	26	top	top	ADJ
easat-9128	220	27	ten	ten	NUM
easat-9128	220	28	most	most	ADV
easat-9128	220	29	financially	financially	ADV
easat-9128	220	30	literate	literate	ADJ
easat-9128	220	31	nations	nation	NOUN
easat-9128	220	32	,	,	PUNCT
easat-9128	220	33	"	"	PUNCT
easat-9128	220	34	the	the	DET
easat-9128	220	35	reference	reference	NOUN
easat-9128	220	36	librarian	librarian	NOUN
easat-9128	220	37	,	,	PUNCT
easat-9128	220	38	vol	vol	NOUN
easat-9128	220	39	.	.	PROPN
easat-9128	220	40	63	63	NUM
easat-9128	220	41	,	,	PUNCT
easat-9128	220	42	no	no	INTJ
easat-9128	220	43	.	.	NOUN
easat-9128	220	44	1	1	NUM
easat-9128	220	45	-	-	SYM
easat-9128	220	46	2	2	NUM
easat-9128	220	47	,	,	PUNCT
easat-9128	220	48	pp	pp	ADJ
easat-9128	220	49	.	.	PUNCT
easat-9128	221	1	1	1	NUM
easat-9128	221	2	-	-	SYM
easat-9128	221	3	28	28	NUM
easat-9128	221	4	,	,	PUNCT
easat-9128	221	5	2022	2022	NUM
easat-9128	221	6	.	.	PUNCT
easat-9128	222	1	[	[	X
easat-9128	222	2	13	13	NUM
easat-9128	222	3	]	]	PUNCT
easat-9128	222	4	t.	t.	PROPN
easat-9128	222	5	koskelainen	koskelainen	PROPN
easat-9128	222	6	,	,	PUNCT
easat-9128	222	7	p.	p.	PROPN
easat-9128	222	8	kalmi	kalmi	PROPN
easat-9128	222	9	,	,	PUNCT
easat-9128	222	10	e.	e.	PROPN
easat-9128	222	11	scornavacca	scornavacca	PROPN
easat-9128	222	12	,	,	PUNCT
easat-9128	222	13	and	and	CCONJ
easat-9128	222	14	t.	t.	PROPN
easat-9128	222	15	vartiainen	vartiainen	NOUN
easat-9128	222	16	,	,	PUNCT
easat-9128	222	17	"	"	PUNCT
easat-9128	222	18	financial	financial	ADJ
easat-9128	222	19	literacy	literacy	NOUN
easat-9128	222	20	in	in	ADP
easat-9128	222	21	the	the	DET
easat-9128	222	22	digital	digital	ADJ
easat-9128	222	23	age	age	NOUN
easat-9128	222	24	—	—	PUNCT
easat-9128	222	25	a	a	DET
easat-9128	222	26	research	research	NOUN
easat-9128	222	27	agenda	agenda	NOUN
easat-9128	222	28	,	,	PUNCT
easat-9128	222	29	"	"	PUNCT
easat-9128	222	30	journal	journal	NOUN
easat-9128	222	31	of	of	ADP
easat-9128	222	32	consumer	consumer	NOUN
easat-9128	222	33	affairs	affair	NOUN
easat-9128	222	34	,	,	PUNCT
easat-9128	222	35	vol	vol	NOUN
easat-9128	222	36	.	.	PROPN
easat-9128	223	1	57	57	NUM
easat-9128	223	2	,	,	PUNCT
easat-9128	223	3	no	no	INTJ
easat-9128	223	4	.	.	NOUN
easat-9128	223	5	1	1	NUM
easat-9128	223	6	,	,	PUNCT
easat-9128	223	7	pp	pp	ADJ
easat-9128	223	8	.	.	PUNCT
easat-9128	224	1	507	507	NUM
easat-9128	224	2	-	-	SYM
easat-9128	224	3	528	528	NUM
easat-9128	224	4	,	,	PUNCT
easat-9128	224	5	2023	2023	NUM
easat-9128	224	6	.	.	PUNCT
easat-9128	225	1	https://doi.org/10.1111/joca.12414	https://doi.org/10.1111/joca.12414	PRON
easat-9128	226	1	[	[	X
easat-9128	226	2	14	14	NUM
easat-9128	226	3	]	]	X
easat-9128	226	4	f.	f.	PROPN
easat-9128	226	5	dekamini	dekamini	PROPN
easat-9128	226	6	,	,	PUNCT
easat-9128	226	7	a.	a.	PROPN
easat-9128	226	8	dastanpour	dastanpour	PROPN
easat-9128	226	9	hossein	hossein	PROPN
easat-9128	226	10	abadi	abadi	PROPN
easat-9128	226	11	,	,	PUNCT
easat-9128	226	12	a.	a.	NOUN
easat-9128	226	13	entezari	entezari	NOUN
easat-9128	226	14	,	,	PUNCT
easat-9128	226	15	r.	r.	PROPN
easat-9128	226	16	birau	birau	PROPN
easat-9128	226	17	,	,	PUNCT
easat-9128	226	18	and	and	CCONJ
easat-9128	226	19	r.	r.	PROPN
easat-9128	226	20	pourmansouri	pourmansouri	PROPN
easat-9128	226	21	,	,	PUNCT
easat-9128	226	22	entrepreneurial	entrepreneurial	ADJ
easat-9128	226	23	financial	financial	ADJ
easat-9128	226	24	literacy	literacy	NOUN
easat-9128	226	25	during	during	ADP
easat-9128	226	26	crisis	crisis	NOUN
easat-9128	226	27	conditions	condition	NOUN
easat-9128	226	28	.	.	PUNCT
easat-9128	227	1	hershey	hershey	PROPN
easat-9128	227	2	,	,	PUNCT
easat-9128	227	3	pa	pa	PROPN
easat-9128	227	4	:	:	PUNCT
easat-9128	227	5	igi	igi	PROPN
easat-9128	227	6	global	global	PROPN
easat-9128	227	7	,	,	PUNCT
easat-9128	227	8	2024	2024	NUM
easat-9128	227	9	.	.	PUNCT
easat-9128	228	1	[	[	X
easat-9128	228	2	15	15	NUM
easat-9128	228	3	]	]	X
easat-9128	228	4	j.	j.	PROPN
easat-9128	228	5	h.	h.	PROPN
easat-9128	228	6	fong	fong	PROPN
easat-9128	228	7	,	,	PUNCT
easat-9128	228	8	b.	b.	PROPN
easat-9128	228	9	s.	s.	PROPN
easat-9128	228	10	koh	koh	PROPN
easat-9128	228	11	,	,	PUNCT
easat-9128	228	12	o.	o.	PROPN
easat-9128	228	13	s.	s.	PROPN
easat-9128	228	14	mitchell	mitchell	PROPN
easat-9128	228	15	,	,	PUNCT
easat-9128	228	16	and	and	CCONJ
easat-9128	228	17	s.	s.	PROPN
easat-9128	228	18	rohwedder	rohwedder	NOUN
easat-9128	228	19	,	,	PUNCT
easat-9128	228	20	financial	financial	ADJ
easat-9128	228	21	literacy	literacy	NOUN
easat-9128	228	22	and	and	CCONJ
easat-9128	228	23	suboptimal	suboptimal	ADJ
easat-9128	228	24	financial	financial	ADJ
easat-9128	228	25	decisions	decision	NOUN
easat-9128	228	26	at	at	ADP
easat-9128	228	27	older	old	ADJ
easat-9128	228	28	ages	age	NOUN
easat-9128	228	29	.	.	PUNCT
easat-9128	229	1	ann	ann	PROPN
easat-9128	229	2	arbor	arbor	PROPN
easat-9128	229	3	,	,	PUNCT
easat-9128	229	4	mi	mi	NOUN
easat-9128	229	5	:	:	PUNCT
easat-9128	229	6	center	center	NOUN
easat-9128	229	7	,	,	PUNCT
easat-9128	229	8	2019	2019	NUM
easat-9128	229	9	.	.	PUNCT
easat-9128	230	1	[	[	X
easat-9128	230	2	16	16	NUM
easat-9128	230	3	]	]	PUNCT
easat-9128	230	4	j.	j.	PROPN
easat-9128	230	5	c.	c.	PROPN
easat-9128	230	6	lopez	lopez	PROPN
easat-9128	230	7	,	,	PUNCT
easat-9128	230	8	s.	s.	PROPN
easat-9128	230	9	babcic	babcic	PROPN
easat-9128	230	10	,	,	PUNCT
easat-9128	230	11	and	and	CCONJ
easat-9128	230	12	a.	a.	PROPN
easat-9128	230	13	de	de	X
easat-9128	230	14	la	la	X
easat-9128	230	15	ossa	ossa	PROPN
easat-9128	230	16	,	,	PUNCT
easat-9128	230	17	"	"	PUNCT
easat-9128	230	18	advice	advice	NOUN
easat-9128	230	19	goes	go	VERB
easat-9128	230	20	virtual	virtual	ADJ
easat-9128	230	21	:	:	PUNCT
easat-9128	230	22	how	how	SCONJ
easat-9128	230	23	new	new	ADJ
easat-9128	230	24	digital	digital	ADJ
easat-9128	230	25	investment	investment	NOUN
easat-9128	230	26	services	service	NOUN
easat-9128	230	27	are	be	AUX
easat-9128	230	28	changing	change	VERB
easat-9128	230	29	the	the	DET
easat-9128	230	30	wealth	wealth	NOUN
easat-9128	230	31	management	management	NOUN
easat-9128	230	32	landscape	landscape	NOUN
easat-9128	230	33	,	,	PUNCT
easat-9128	230	34	"	"	PUNCT
easat-9128	230	35	journal	journal	NOUN
easat-9128	230	36	of	of	ADP
easat-9128	230	37	financial	financial	ADJ
easat-9128	230	38	perspectives	perspective	NOUN
easat-9128	230	39	,	,	PUNCT
easat-9128	230	40	vol	vol	NOUN
easat-9128	230	41	.	.	PROPN
easat-9128	231	1	3	3	NUM
easat-9128	231	2	,	,	PUNCT
easat-9128	231	3	no	no	INTJ
easat-9128	231	4	.	.	NOUN
easat-9128	231	5	3	3	NUM
easat-9128	231	6	,	,	PUNCT
easat-9128	231	7	pp	pp	ADJ
easat-9128	231	8	.	.	PUNCT
easat-9128	232	1	156	156	NUM
easat-9128	232	2	-	-	SYM
easat-9128	232	3	164	164	NUM
easat-9128	232	4	,	,	PUNCT
easat-9128	232	5	2015	2015	NUM
easat-9128	232	6	.	.	PUNCT
easat-9128	233	1	[	[	X
easat-9128	233	2	17	17	NUM
easat-9128	233	3	]	]	PUNCT
easat-9128	233	4	j.	j.	PROPN
easat-9128	233	5	pixley	pixley	PROPN
easat-9128	233	6	,	,	PUNCT
easat-9128	233	7	emotions	emotion	NOUN
easat-9128	233	8	in	in	ADP
easat-9128	233	9	finance	finance	NOUN
easat-9128	233	10	:	:	PUNCT
easat-9128	233	11	distrust	distrust	NOUN
easat-9128	233	12	and	and	CCONJ
easat-9128	233	13	uncertainty	uncertainty	NOUN
easat-9128	233	14	in	in	ADP
easat-9128	233	15	global	global	ADJ
easat-9128	233	16	markets	market	NOUN
easat-9128	233	17	.	.	PUNCT
easat-9128	234	1	cambridge	cambridge	PROPN
easat-9128	234	2	,	,	PUNCT
easat-9128	234	3	uk	uk	PROPN
easat-9128	234	4	:	:	PUNCT
easat-9128	234	5	cambridge	cambridge	PROPN
easat-9128	234	6	university	university	PROPN
easat-9128	234	7	press	press	NOUN
easat-9128	234	8	,	,	PUNCT
easat-9128	234	9	2004	2004	NUM
easat-9128	234	10	.	.	PUNCT
easat-9128	235	1	[	[	X
easat-9128	235	2	18	18	NUM
easat-9128	235	3	]	]	PUNCT
easat-9128	235	4	world	world	PROPN
easat-9128	235	5	economic	economic	PROPN
easat-9128	235	6	forum	forum	PROPN
easat-9128	235	7	,	,	PUNCT
easat-9128	235	8	"	"	PUNCT
easat-9128	235	9	the	the	DET
easat-9128	235	10	global	global	ADJ
easat-9128	235	11	risks	risk	NOUN
easat-9128	235	12	report	report	VERB
easat-9128	235	13	"	"	PUNCT
easat-9128	235	14	,	,	PUNCT
easat-9128	235	15	world	world	PROPN
easat-9128	235	16	economic	economic	PROPN
easat-9128	235	17	forum	forum	PROPN
easat-9128	235	18	,	,	PUNCT
easat-9128	235	19	2020	2020	NUM
easat-9128	235	20	.	.	PUNCT
easat-9128	236	1	[	[	X
easat-9128	236	2	19	19	NUM
easat-9128	236	3	]	]	X
easat-9128	236	4	n.	n.	NOUN
easat-9128	236	5	aggarwal	aggarwal	PROPN
easat-9128	236	6	and	and	CCONJ
easat-9128	236	7	d.	d.	PROPN
easat-9128	236	8	kaye	kaye	PROPN
easat-9128	236	9	,	,	PUNCT
easat-9128	236	10	"	"	PUNCT
easat-9128	236	11	fintok	fintok	ADJ
easat-9128	236	12	and	and	CCONJ
easat-9128	236	13	financial	financial	ADJ
easat-9128	236	14	regulation	regulation	NOUN
easat-9128	236	15	,	,	PUNCT
easat-9128	236	16	"	"	PUNCT
easat-9128	236	17	arizona	arizona	PROPN
easat-9128	236	18	state	state	PROPN
easat-9128	236	19	law	law	PROPN
easat-9128	236	20	journal	journal	NOUN
easat-9128	236	21	,	,	PUNCT
easat-9128	236	22	vol	vol	NOUN
easat-9128	236	23	.	.	PROPN
easat-9128	236	24	54	54	NUM
easat-9128	236	25	,	,	PUNCT
easat-9128	236	26	p.	p.	NOUN
easat-9128	236	27	1035	1035	NUM
easat-9128	236	28	,	,	PUNCT
easat-9128	236	29	2022	2022	NUM
easat-9128	236	30	.	.	PUNCT
easat-9128	237	1	[	[	X
easat-9128	237	2	20	20	NUM
easat-9128	237	3	]	]	X
easat-9128	237	4	j.	j.	PROPN
easat-9128	237	5	pettersson	pettersson	PROPN
easat-9128	237	6	and	and	CCONJ
easat-9128	237	7	l.	l.	PROPN
easat-9128	237	8	chapman	chapman	PROPN
easat-9128	237	9	,	,	PUNCT
easat-9128	237	10	"	"	PUNCT
easat-9128	237	11	social	social	ADJ
easat-9128	237	12	media	medium	NOUN
easat-9128	237	13	’s	’s	PART
easat-9128	237	14	influence	influence	NOUN
easat-9128	237	15	on	on	ADP
easat-9128	237	16	investment	investment	NOUN
easat-9128	237	17	decisions	decision	NOUN
easat-9128	237	18	:	:	PUNCT
easat-9128	237	19	a	a	DET
easat-9128	237	20	qualitative	qualitative	ADJ
easat-9128	237	21	study	study	NOUN
easat-9128	237	22	based	base	VERB
easat-9128	237	23	on	on	ADP
easat-9128	237	24	an	an	DET
easat-9128	237	25	individual	individual	NOUN
easat-9128	237	26	’s	’s	PART
easat-9128	237	27	financial	financial	ADJ
easat-9128	237	28	literacy	literacy	NOUN
easat-9128	237	29	,	,	PUNCT
easat-9128	237	30	"	"	PUNCT
easat-9128	237	31	london	london	PROPN
easat-9128	237	32	,	,	PUNCT
easat-9128	237	33	uk	uk	PROPN
easat-9128	237	34	,	,	PUNCT
easat-9128	237	35	2021	2021	NUM
easat-9128	237	36	.	.	PUNCT
easat-9128	238	1	[	[	X
easat-9128	238	2	21	21	NUM
easat-9128	238	3	]	]	X
easat-9128	238	4	j.	j.	PROPN
easat-9128	238	5	m.	m.	PROPN
easat-9128	238	6	conner	conner	PROPN
easat-9128	238	7	,	,	PUNCT
easat-9128	238	8	"	"	PUNCT
easat-9128	238	9	exploring	explore	VERB
easat-9128	238	10	how	how	SCONJ
easat-9128	238	11	financial	financial	ADJ
easat-9128	238	12	knowledge	knowledge	NOUN
easat-9128	238	13	and	and	CCONJ
easat-9128	238	14	generations	generation	NOUN
easat-9128	238	15	impact	impact	VERB
easat-9128	238	16	the	the	DET
easat-9128	238	17	adoption	adoption	NOUN
easat-9128	238	18	rate	rate	NOUN
easat-9128	238	19	of	of	ADP
easat-9128	238	20	financial	financial	ADJ
easat-9128	238	21	technology	technology	NOUN
easat-9128	238	22	,	,	PUNCT
easat-9128	238	23	"	"	PUNCT
easat-9128	238	24	the	the	DET
easat-9128	238	25	university	university	PROPN
easat-9128	238	26	of	of	ADP
easat-9128	238	27	alabama	alabama	PROPN
easat-9128	238	28	,	,	PUNCT
easat-9128	238	29	2022	2022	NUM
easat-9128	238	30	.	.	PUNCT
easat-9128	239	1	https://creativecommons.org/licenses/by/4.0/	https://creativecommons.org/licenses/by/4.0/	PROPN
easat-9128	239	2	https://doi.org/10.1142/s2010139217500082	https://doi.org/10.1142/s2010139217500082	PROPN
easat-9128	239	3	https://doi.org/10.1111/joca.12414	https://doi.org/10.1111/joca.12414	NOUN
easat-9128	239	4	2138	2138	NUM
easat-9128	239	5	edelweiss	edelweiss	PROPN
easat-9128	239	6	applied	apply	VERB
easat-9128	239	7	science	science	NOUN
easat-9128	239	8	and	and	CCONJ
easat-9128	239	9	technology	technology	NOUN
easat-9128	239	10	issn	issn	PROPN
easat-9128	239	11	:	:	PUNCT
easat-9128	239	12	2576	2576	NUM
easat-9128	239	13	-	-	SYM
easat-9128	239	14	8484	8484	NUM
easat-9128	239	15	vol	vol	NOUN
easat-9128	239	16	.	.	PROPN
easat-9128	240	1	9	9	NUM
easat-9128	240	2	,	,	PUNCT
easat-9128	240	3	no	no	INTJ
easat-9128	240	4	.	.	NOUN
easat-9128	240	5	7	7	NUM
easat-9128	240	6	:	:	SYM
easat-9128	240	7	2129	2129	NUM
easat-9128	240	8	-	-	SYM
easat-9128	240	9	2138	2138	NUM
easat-9128	240	10	,	,	PUNCT
easat-9128	240	11	2025	2025	NUM
easat-9128	240	12	doi	doi	NOUN
easat-9128	240	13	:	:	PUNCT
easat-9128	240	14	10.55214/2576	10.55214/2576	NUM
easat-9128	240	15	-	-	PUNCT
easat-9128	240	16	8484.v9i7.9128	8484.v9i7.9128	NOUN
easat-9128	240	17	©	©	NOUN
easat-9128	240	18	2025	2025	NUM
easat-9128	240	19	by	by	ADP
easat-9128	240	20	the	the	DET
easat-9128	240	21	authors	author	NOUN
easat-9128	240	22	;	;	PUNCT
easat-9128	240	23	licensee	licensee	PROPN
easat-9128	240	24	learning	learning	NOUN
easat-9128	240	25	gate	gate	NOUN
easat-9128	241	1	[	[	X
easat-9128	241	2	22	22	NUM
easat-9128	241	3	]	]	PUNCT
easat-9128	241	4	p.	p.	NOUN
easat-9128	241	5	benedikt	benedikt	NOUN
easat-9128	241	6	,	,	PUNCT
easat-9128	241	7	the	the	DET
easat-9128	241	8	power	power	NOUN
easat-9128	241	9	of	of	ADP
easat-9128	241	10	passive	passive	ADJ
easat-9128	241	11	investment	investment	NOUN
easat-9128	241	12	:	:	PUNCT
easat-9128	241	13	mastering	master	VERB
easat-9128	241	14	etf	etf	NOUN
easat-9128	241	15	and	and	CCONJ
easat-9128	241	16	index	index	NOUN
easat-9128	241	17	investing	investing	NOUN
easat-9128	241	18	.	.	PUNCT
easat-9128	242	1	brussels	brussels	PROPN
easat-9128	242	2	,	,	PUNCT
easat-9128	242	3	belgium	belgium	PROPN
easat-9128	242	4	:	:	PUNCT
easat-9128	242	5	primento	primento	ADP
easat-9128	242	6	digital	digital	PROPN
easat-9128	242	7	sprl	sprl	NOUN
easat-9128	242	8	,	,	PUNCT
easat-9128	242	9	2025	2025	NUM
easat-9128	242	10	.	.	PUNCT
easat-9128	243	1	[	[	X
easat-9128	243	2	23	23	NUM
easat-9128	243	3	]	]	PUNCT
easat-9128	243	4	m.	m.	NOUN
easat-9128	243	5	a.	a.	NOUN
easat-9128	243	6	kevinia	kevinia	PROPN
easat-9128	243	7	,	,	PUNCT
easat-9128	243	8	"	"	PUNCT
easat-9128	243	9	the	the	DET
easat-9128	243	10	impact	impact	NOUN
easat-9128	243	11	of	of	ADP
easat-9128	243	12	digital	digital	ADJ
easat-9128	243	13	literacy	literacy	NOUN
easat-9128	243	14	,	,	PUNCT
easat-9128	243	15	financial	financial	ADJ
easat-9128	243	16	literacy	literacy	NOUN
easat-9128	243	17	,	,	PUNCT
easat-9128	243	18	and	and	CCONJ
easat-9128	243	19	social	social	ADJ
easat-9128	243	20	media	medium	NOUN
easat-9128	243	21	on	on	ADP
easat-9128	243	22	investment	investment	NOUN
easat-9128	243	23	decision	decision	NOUN
easat-9128	243	24	in	in	ADP
easat-9128	243	25	the	the	DET
easat-9128	243	26	cryptocurrency	cryptocurrency	NOUN
easat-9128	243	27	market	market	NOUN
easat-9128	243	28	(	(	PUNCT
easat-9128	243	29	a	a	DET
easat-9128	243	30	comparative	comparative	ADJ
easat-9128	243	31	study	study	NOUN
easat-9128	243	32	of	of	ADP
easat-9128	243	33	indonesia	indonesia	PROPN
easat-9128	243	34	millennials	millennial	NOUN
easat-9128	243	35	and	and	CCONJ
easat-9128	243	36	generation	generation	NOUN
easat-9128	243	37	z	z	NOUN
easat-9128	243	38	)	)	PUNCT
easat-9128	243	39	,	,	PUNCT
easat-9128	243	40	"	"	PUNCT
easat-9128	243	41	universitas	universita	NOUN
easat-9128	243	42	andalas	andalas	PROPN
easat-9128	243	43	,	,	PUNCT
easat-9128	243	44	padang	padang	PROPN
easat-9128	243	45	,	,	PUNCT
easat-9128	243	46	indonesia	indonesia	PROPN
easat-9128	243	47	,	,	PUNCT
easat-9128	243	48	2024	2024	NUM
easat-9128	243	49	.	.	PUNCT
easat-9128	244	1	[	[	X
easat-9128	244	2	24	24	NUM
easat-9128	244	3	]	]	PUNCT
easat-9128	244	4	b.	b.	PROPN
easat-9128	244	5	zulfikri	zulfikri	PROPN
easat-9128	244	6	and	and	CCONJ
easat-9128	244	7	h.	h.	PROPN
easat-9128	244	8	faqihah	faqihah	PROPN
easat-9128	244	9	,	,	PUNCT
easat-9128	244	10	financial	financial	ADJ
easat-9128	244	11	literacy	literacy	NOUN
easat-9128	244	12	for	for	ADP
easat-9128	244	13	sustainable	sustainable	ADJ
easat-9128	244	14	futures	future	NOUN
easat-9128	244	15	.	.	PUNCT
easat-9128	245	1	jakarta	jakarta	PROPN
easat-9128	245	2	,	,	PUNCT
easat-9128	245	3	indonesia	indonesia	PROPN
easat-9128	245	4	:	:	PUNCT
easat-9128	245	5	climate	climate	NOUN
easat-9128	245	6	change	change	NOUN
easat-9128	245	7	perspective	perspective	NOUN
easat-9128	245	8	,	,	PUNCT
easat-9128	245	9	2024	2024	NUM
easat-9128	245	10	.	.	PUNCT
easat-9128	246	1	[	[	X
easat-9128	246	2	25	25	NUM
easat-9128	246	3	]	]	X
easat-9128	246	4	n.	n.	PROPN
easat-9128	246	5	shankar	shankar	PROPN
easat-9128	246	6	,	,	PUNCT
easat-9128	246	7	s.	s.	PROPN
easat-9128	246	8	vinod	vinod	PROPN
easat-9128	246	9	,	,	PUNCT
easat-9128	246	10	and	and	CCONJ
easat-9128	246	11	r.	r.	PROPN
easat-9128	246	12	kamath	kamath	PROPN
easat-9128	246	13	,	,	PUNCT
easat-9128	246	14	"	"	PUNCT
easat-9128	246	15	financial	financial	ADJ
easat-9128	246	16	well	well	ADV
easat-9128	246	17	-	-	PUNCT
easat-9128	246	18	being	being	NOUN
easat-9128	246	19	–	–	PUNCT
easat-9128	246	20	a	a	DET
easat-9128	246	21	generation	generation	NOUN
easat-9128	246	22	z	z	NOUN
easat-9128	246	23	perspective	perspective	NOUN
easat-9128	246	24	using	use	VERB
easat-9128	246	25	a	a	DET
easat-9128	246	26	structural	structural	ADJ
easat-9128	246	27	equation	equation	NOUN
easat-9128	246	28	modeling	modeling	NOUN
easat-9128	246	29	approach	approach	NOUN
easat-9128	246	30	,	,	PUNCT
easat-9128	246	31	"	"	PUNCT
easat-9128	246	32	investment	investment	NOUN
easat-9128	246	33	management	management	NOUN
easat-9128	246	34	&	&	CCONJ
easat-9128	246	35	financial	financial	ADJ
easat-9128	246	36	innovations	innovation	NOUN
easat-9128	246	37	,	,	PUNCT
easat-9128	246	38	vol	vol	NOUN
easat-9128	246	39	.	.	PROPN
easat-9128	246	40	19	19	NUM
easat-9128	246	41	,	,	PUNCT
easat-9128	246	42	no	no	INTJ
easat-9128	246	43	.	.	NOUN
easat-9128	246	44	1	1	NUM
easat-9128	246	45	,	,	PUNCT
easat-9128	246	46	p.	p.	NOUN
easat-9128	246	47	32	32	NUM
easat-9128	246	48	,	,	PUNCT
easat-9128	246	49	2022	2022	NUM
easat-9128	246	50	.	.	PUNCT
easat-9128	247	1	[	[	X
easat-9128	247	2	26	26	NUM
easat-9128	247	3	]	]	X
easat-9128	247	4	i.	i.	NOUN
easat-9128	247	5	katnic	katnic	PROPN
easat-9128	247	6	,	,	PUNCT
easat-9128	247	7	m.	m.	NOUN
easat-9128	247	8	katnic	katnic	PROPN
easat-9128	247	9	,	,	PUNCT
easat-9128	247	10	m.	m.	NOUN
easat-9128	247	11	orlandic	orlandic	NOUN
easat-9128	247	12	,	,	PUNCT
easat-9128	247	13	m.	m.	NOUN
easat-9128	247	14	radunovic	radunovic	PROPN
easat-9128	247	15	,	,	PUNCT
easat-9128	247	16	and	and	CCONJ
easat-9128	247	17	i.	i.	NOUN
easat-9128	247	18	mugosa	mugosa	PROPN
easat-9128	247	19	,	,	PUNCT
easat-9128	247	20	"	"	PUNCT
easat-9128	247	21	understanding	understand	VERB
easat-9128	247	22	therole	therole	NOUN
easat-9128	247	23	of	of	ADP
easat-9128	247	24	financial	financial	ADJ
easat-9128	247	25	literacy	literacy	NOUN
easat-9128	247	26	in	in	ADP
easat-9128	247	27	enhancing	enhance	VERB
easat-9128	247	28	economic	economic	ADJ
easat-9128	247	29	stability	stability	NOUN
easat-9128	247	30	and	and	CCONJ
easat-9128	247	31	resilience	resilience	NOUN
easat-9128	247	32	in	in	ADP
easat-9128	247	33	montenegro	montenegro	PROPN
easat-9128	247	34	:	:	PUNCT
easat-9128	247	35	a	a	DET
easat-9128	247	36	data	data	NOUN
easat-9128	247	37	-	-	PUNCT
easat-9128	247	38	driven	drive	VERB
easat-9128	247	39	approach	approach	NOUN
easat-9128	247	40	,	,	PUNCT
easat-9128	247	41	"	"	PUNCT
easat-9128	247	42	sustainability	sustainability	NOUN
easat-9128	247	43	,	,	PUNCT
easat-9128	247	44	vol	vol	NOUN
easat-9128	247	45	.	.	PROPN
easat-9128	247	46	16	16	NUM
easat-9128	247	47	,	,	PUNCT
easat-9128	247	48	no	no	INTJ
easat-9128	247	49	.	.	NOUN
easat-9128	247	50	24	24	NUM
easat-9128	247	51	,	,	PUNCT
easat-9128	247	52	p.	p.	NOUN
easat-9128	247	53	11065	11065	NUM
easat-9128	247	54	,	,	PUNCT
easat-9128	247	55	2024	2024	NUM
easat-9128	247	56	.	.	PUNCT
easat-9128	248	1	https://doi.org/10.3390/su162411065	https://doi.org/10.3390/su162411065	PROPN
easat-9128	249	1	[	[	X
easat-9128	249	2	27	27	NUM
easat-9128	249	3	]	]	PUNCT
easat-9128	249	4	a.	a.	NOUN
easat-9128	249	5	lusardi	lusardi	NOUN
easat-9128	249	6	and	and	CCONJ
easat-9128	249	7	o.	o.	PROPN
easat-9128	249	8	s.	s.	PROPN
easat-9128	249	9	mitchell	mitchell	PROPN
easat-9128	249	10	,	,	PUNCT
easat-9128	249	11	"	"	PUNCT
easat-9128	249	12	the	the	DET
easat-9128	249	13	economic	economic	ADJ
easat-9128	249	14	importance	importance	NOUN
easat-9128	249	15	of	of	ADP
easat-9128	249	16	financial	financial	ADJ
easat-9128	249	17	literacy	literacy	NOUN
easat-9128	249	18	:	:	PUNCT
easat-9128	249	19	theory	theory	NOUN
easat-9128	249	20	and	and	CCONJ
easat-9128	249	21	evidence	evidence	NOUN
easat-9128	249	22	,	,	PUNCT
easat-9128	249	23	"	"	PUNCT
easat-9128	249	24	journal	journal	NOUN
easat-9128	249	25	of	of	ADP
easat-9128	249	26	economic	economic	ADJ
easat-9128	249	27	literature	literature	NOUN
easat-9128	249	28	,	,	PUNCT
easat-9128	249	29	vol	vol	NOUN
easat-9128	249	30	.	.	PROPN
easat-9128	249	31	52	52	NUM
easat-9128	249	32	,	,	PUNCT
easat-9128	249	33	no	no	INTJ
easat-9128	249	34	.	.	NOUN
easat-9128	249	35	1	1	NUM
easat-9128	249	36	,	,	PUNCT
easat-9128	249	37	pp	pp	ADJ
easat-9128	249	38	.	.	PUNCT
easat-9128	250	1	5–44	5–44	PROPN
easat-9128	250	2	,	,	PUNCT
easat-9128	250	3	2014	2014	NUM
easat-9128	250	4	.	.	PUNCT
easat-9128	251	1	https://doi.org/10.1257/jel.52.1.5	https://doi.org/10.1257/jel.52.1.5	NOUN
easat-9128	252	1	[	[	X
easat-9128	252	2	28	28	NUM
easat-9128	252	3	]	]	X
easat-9128	252	4	h.	h.	PROPN
easat-9128	252	5	a.	a.	PROPN
easat-9128	252	6	hassan	hassan	PROPN
easat-9128	252	7	al‐tamimi	al‐tamimi	PROPN
easat-9128	252	8	and	and	CCONJ
easat-9128	252	9	a.	a.	NOUN
easat-9128	252	10	anood	anood	PROPN
easat-9128	252	11	bin	bin	PROPN
easat-9128	252	12	kalli	kalli	PROPN
easat-9128	252	13	,	,	PUNCT
easat-9128	252	14	"	"	PUNCT
easat-9128	252	15	financial	financial	ADJ
easat-9128	252	16	literacy	literacy	NOUN
easat-9128	252	17	and	and	CCONJ
easat-9128	252	18	investment	investment	NOUN
easat-9128	252	19	decisions	decision	NOUN
easat-9128	252	20	of	of	ADP
easat-9128	252	21	uae	uae	PROPN
easat-9128	252	22	investors	investor	NOUN
easat-9128	252	23	,	,	PUNCT
easat-9128	252	24	"	"	PUNCT
easat-9128	252	25	the	the	DET
easat-9128	252	26	journal	journal	NOUN
easat-9128	252	27	of	of	ADP
easat-9128	252	28	risk	risk	NOUN
easat-9128	252	29	finance	finance	NOUN
easat-9128	252	30	,	,	PUNCT
easat-9128	252	31	vol	vol	NOUN
easat-9128	252	32	.	.	PROPN
easat-9128	253	1	10	10	NUM
easat-9128	253	2	,	,	PUNCT
easat-9128	253	3	no	no	INTJ
easat-9128	253	4	.	.	NOUN
easat-9128	253	5	5	5	NUM
easat-9128	253	6	,	,	PUNCT
easat-9128	253	7	pp	pp	ADJ
easat-9128	253	8	.	.	PUNCT
easat-9128	254	1	500	500	NUM
easat-9128	254	2	-	-	SYM
easat-9128	254	3	516	516	NUM
easat-9128	254	4	,	,	PUNCT
easat-9128	254	5	2009	2009	NUM
easat-9128	254	6	.	.	PUNCT
easat-9128	255	1	[	[	X
easat-9128	255	2	29	29	NUM
easat-9128	255	3	]	]	X
easat-9128	255	4	h.	h.	PROPN
easat-9128	255	5	chen	chen	PROPN
easat-9128	255	6	and	and	CCONJ
easat-9128	255	7	r.	r.	PROPN
easat-9128	255	8	p.	p.	PROPN
easat-9128	255	9	volpe	volpe	PROPN
easat-9128	255	10	,	,	PUNCT
easat-9128	255	11	"	"	PUNCT
easat-9128	255	12	an	an	DET
easat-9128	255	13	analysis	analysis	NOUN
easat-9128	255	14	of	of	ADP
easat-9128	255	15	personal	personal	ADJ
easat-9128	255	16	financial	financial	ADJ
easat-9128	255	17	literacy	literacy	NOUN
easat-9128	255	18	among	among	ADP
easat-9128	255	19	college	college	NOUN
easat-9128	255	20	students	student	NOUN
easat-9128	255	21	,	,	PUNCT
easat-9128	255	22	"	"	PUNCT
easat-9128	255	23	financial	financial	ADJ
easat-9128	255	24	services	service	NOUN
easat-9128	255	25	review	review	NOUN
easat-9128	255	26	,	,	PUNCT
easat-9128	255	27	vol	vol	NOUN
easat-9128	255	28	.	.	PROPN
easat-9128	256	1	7	7	NUM
easat-9128	256	2	,	,	PUNCT
easat-9128	256	3	no	no	INTJ
easat-9128	256	4	.	.	NOUN
easat-9128	256	5	2	2	NUM
easat-9128	256	6	,	,	PUNCT
easat-9128	256	7	pp	pp	ADJ
easat-9128	256	8	.	.	PUNCT
easat-9128	257	1	107	107	NUM
easat-9128	257	2	-	-	SYM
easat-9128	257	3	128	128	NUM
easat-9128	257	4	,	,	PUNCT
easat-9128	257	5	1998	1998	NUM
easat-9128	257	6	.	.	PUNCT
easat-9128	258	1	[	[	X
easat-9128	258	2	30	30	NUM
easat-9128	258	3	]	]	X
easat-9128	258	4	d.	d.	PROPN
easat-9128	258	5	c.	c.	PROPN
easat-9128	258	6	cozmiuc	cozmiuc	PROPN
easat-9128	258	7	and	and	CCONJ
easat-9128	258	8	r.	r.	NOUN
easat-9128	258	9	pettinger	pettinger	NOUN
easat-9128	258	10	,	,	PUNCT
easat-9128	258	11	"	"	PUNCT
easat-9128	258	12	consultants	consultant	NOUN
easat-9128	258	13	'	'	PART
easat-9128	258	14	tools	tool	NOUN
easat-9128	258	15	to	to	PART
easat-9128	258	16	manage	manage	VERB
easat-9128	258	17	digital	digital	ADJ
easat-9128	258	18	transformation	transformation	NOUN
easat-9128	258	19	:	:	PUNCT
easat-9128	258	20	the	the	DET
easat-9128	258	21	case	case	NOUN
easat-9128	258	22	of	of	ADP
easat-9128	258	23	pwc	pwc	PROPN
easat-9128	258	24	,	,	PUNCT
easat-9128	258	25	siemens	siemen	NOUN
easat-9128	258	26	,	,	PUNCT
easat-9128	258	27	and	and	CCONJ
easat-9128	258	28	oracle	oracle	NOUN
easat-9128	258	29	,	,	PUNCT
easat-9128	258	30	"	"	PUNCT
easat-9128	258	31	journal	journal	NOUN
easat-9128	258	32	of	of	ADP
easat-9128	258	33	cases	case	NOUN
easat-9128	258	34	on	on	ADP
easat-9128	258	35	information	information	NOUN
easat-9128	258	36	technology	technology	NOUN
easat-9128	258	37	vol	vol	NOUN
easat-9128	258	38	.	.	PROPN
easat-9128	258	39	23	23	NUM
easat-9128	258	40	,	,	PUNCT
easat-9128	258	41	no	no	INTJ
easat-9128	258	42	.	.	NOUN
easat-9128	258	43	4	4	NUM
easat-9128	258	44	,	,	PUNCT
easat-9128	258	45	pp	pp	ADJ
easat-9128	258	46	.	.	PUNCT
easat-9128	259	1	1	1	NUM
easat-9128	259	2	-	-	SYM
easat-9128	259	3	29	29	NUM
easat-9128	259	4	,	,	PUNCT
easat-9128	259	5	2021	2021	NUM
easat-9128	259	6	.	.	PUNCT
easat-9128	260	1	[	[	X
easat-9128	260	2	31	31	NUM
easat-9128	260	3	]	]	PUNCT
easat-9128	260	4	p.	p.	NOUN
easat-9128	260	5	sironi	sironi	PROPN
easat-9128	260	6	,	,	PUNCT
easat-9128	260	7	fintech	fintech	NOUN
easat-9128	260	8	innovation	innovation	NOUN
easat-9128	260	9	:	:	PUNCT
easat-9128	260	10	from	from	ADP
easat-9128	260	11	robo	robo	NOUN
easat-9128	260	12	-	-	PUNCT
easat-9128	260	13	advisors	advisor	NOUN
easat-9128	260	14	to	to	ADP
easat-9128	260	15	goal	goal	NOUN
easat-9128	260	16	based	base	VERB
easat-9128	260	17	investing	investing	NOUN
easat-9128	260	18	and	and	CCONJ
easat-9128	260	19	gamification	gamification	NOUN
easat-9128	260	20	.	.	PUNCT
easat-9128	261	1	hoboken	hoboken	PROPN
easat-9128	261	2	,	,	PUNCT
easat-9128	261	3	nj	nj	PROPN
easat-9128	261	4	:	:	PUNCT
easat-9128	261	5	john	john	PROPN
easat-9128	261	6	wiley	wiley	PROPN
easat-9128	261	7	&	&	CCONJ
easat-9128	261	8	sons	son	NOUN
easat-9128	261	9	,	,	PUNCT
easat-9128	261	10	2016	2016	NUM
easat-9128	261	11	.	.	PUNCT
easat-9128	262	1	[	[	X
easat-9128	262	2	32	32	NUM
easat-9128	262	3	]	]	PUNCT
easat-9128	262	4	m.	m.	NOUN
easat-9128	262	5	jünger	jünger	PROPN
easat-9128	262	6	and	and	CCONJ
easat-9128	262	7	m.	m.	NOUN
easat-9128	262	8	mietzner	mietzner	NOUN
easat-9128	262	9	,	,	PUNCT
easat-9128	262	10	"	"	PUNCT
easat-9128	262	11	digital	digital	ADJ
easat-9128	262	12	transformation	transformation	NOUN
easat-9128	262	13	of	of	ADP
easat-9128	262	14	financial	financial	ADJ
easat-9128	262	15	services	service	NOUN
easat-9128	262	16	:	:	PUNCT
easat-9128	262	17	a	a	DET
easat-9128	262	18	framework	framework	NOUN
easat-9128	262	19	for	for	ADP
easat-9128	262	20	the	the	DET
easat-9128	262	21	role	role	NOUN
easat-9128	262	22	of	of	ADP
easat-9128	262	23	it	it	PRON
easat-9128	262	24	in	in	ADP
easat-9128	262	25	fintech	fintech	NOUN
easat-9128	262	26	,	,	PUNCT
easat-9128	262	27	"	"	PUNCT
easat-9128	262	28	journal	journal	NOUN
easat-9128	262	29	of	of	ADP
easat-9128	262	30	business	business	NOUN
easat-9128	262	31	economics	economic	NOUN
easat-9128	262	32	,	,	PUNCT
easat-9128	262	33	vol	vol	NOUN
easat-9128	262	34	.	.	PROPN
easat-9128	262	35	90	90	NUM
easat-9128	262	36	,	,	PUNCT
easat-9128	262	37	no	no	INTJ
easat-9128	262	38	.	.	NOUN
easat-9128	262	39	6	6	NUM
easat-9128	262	40	,	,	PUNCT
easat-9128	262	41	pp	pp	ADJ
easat-9128	262	42	.	.	PUNCT
easat-9128	263	1	895–936	895–936	NUM
easat-9128	263	2	,	,	PUNCT
easat-9128	263	3	2020	2020	NUM
easat-9128	263	4	.	.	PUNCT
easat-9128	264	1	[	[	X
easat-9128	264	2	33	33	NUM
easat-9128	264	3	]	]	PUNCT
easat-9128	264	4	s.	s.	PROPN
easat-9128	264	5	kraus	kraus	PROPN
easat-9128	264	6	et	et	PROPN
easat-9128	264	7	al	al	PROPN
easat-9128	264	8	.	.	PROPN
easat-9128	264	9	,	,	PUNCT
easat-9128	264	10	"	"	PUNCT
easat-9128	264	11	literature	literature	NOUN
easat-9128	264	12	reviews	review	NOUN
easat-9128	264	13	as	as	ADP
easat-9128	264	14	independent	independent	ADJ
easat-9128	264	15	studies	study	NOUN
easat-9128	264	16	:	:	PUNCT
easat-9128	264	17	guidelines	guideline	NOUN
easat-9128	264	18	for	for	ADP
easat-9128	264	19	academic	academic	ADJ
easat-9128	264	20	practice	practice	NOUN
easat-9128	264	21	,	,	PUNCT
easat-9128	264	22	"	"	PUNCT
easat-9128	264	23	review	review	NOUN
easat-9128	264	24	of	of	ADP
easat-9128	264	25	managerial	managerial	ADJ
easat-9128	264	26	science	science	NOUN
easat-9128	264	27	,	,	PUNCT
easat-9128	264	28	vol	vol	NOUN
easat-9128	264	29	.	.	PROPN
easat-9128	264	30	16	16	NUM
easat-9128	264	31	,	,	PUNCT
easat-9128	264	32	no	no	INTJ
easat-9128	264	33	.	.	NOUN
easat-9128	264	34	8	8	NUM
easat-9128	264	35	,	,	PUNCT
easat-9128	264	36	pp	pp	ADJ
easat-9128	264	37	.	.	PUNCT
easat-9128	264	38	2577	2577	NUM
easat-9128	264	39	-	-	SYM
easat-9128	264	40	2595	2595	NUM
easat-9128	264	41	,	,	PUNCT
easat-9128	264	42	2022	2022	NUM
easat-9128	264	43	.	.	PUNCT
easat-9128	265	1	[	[	X
easat-9128	265	2	34	34	NUM
easat-9128	265	3	]	]	X
easat-9128	265	4	p.	p.	NOUN
easat-9128	265	5	teza	teza	PROPN
easat-9128	265	6	,	,	PUNCT
easat-9128	265	7	g.	g.	PROPN
easat-9128	265	8	t.	t.	PROPN
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easat-9128	265	10	,	,	PUNCT
easat-9128	265	11	j.	j.	PROPN
easat-9128	265	12	a.	a.	PROPN
easat-9128	265	13	de	de	PROPN
easat-9128	265	14	souza	souza	PROPN
easat-9128	265	15	,	,	PUNCT
easat-9128	265	16	and	and	CCONJ
easat-9128	265	17	g.	g.	PROPN
easat-9128	265	18	a.	a.	PROPN
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easat-9128	265	20	,	,	PUNCT
easat-9128	265	21	"	"	PUNCT
easat-9128	265	22	analysis	analysis	NOUN
easat-9128	265	23	of	of	ADP
easat-9128	265	24	quantitative	quantitative	ADJ
easat-9128	265	25	empirical	empirical	ADJ
easat-9128	265	26	papers	paper	NOUN
easat-9128	265	27	on	on	ADP
easat-9128	265	28	diffusion	diffusion	NOUN
easat-9128	265	29	and	and	CCONJ
easat-9128	265	30	adoption	adoption	NOUN
easat-9128	265	31	of	of	ADP
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easat-9128	265	33	,	,	PUNCT
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easat-9128	265	35	and	and	CCONJ
easat-9128	265	36	tools	tool	NOUN
easat-9128	265	37	for	for	ADP
easat-9128	265	38	innovation	innovation	NOUN
easat-9128	265	39	,	,	PUNCT
easat-9128	265	40	"	"	PUNCT
easat-9128	265	41	rai	rai	X
easat-9128	265	42	revista	revista	PROPN
easat-9128	265	43	de	de	PROPN
easat-9128	265	44	administração	administração	PROPN
easat-9128	265	45	e	e	PROPN
easat-9128	265	46	inovação	inovação	PROPN
easat-9128	265	47	,	,	PUNCT
easat-9128	265	48	vol	vol	NOUN
easat-9128	265	49	.	.	PROPN
easat-9128	265	50	13	13	NUM
easat-9128	265	51	,	,	PUNCT
easat-9128	265	52	no	no	INTJ
easat-9128	265	53	.	.	NOUN
easat-9128	265	54	2	2	NUM
easat-9128	265	55	,	,	PUNCT
easat-9128	265	56	pp	pp	ADJ
easat-9128	265	57	.	.	PUNCT
easat-9128	266	1	107	107	NUM
easat-9128	266	2	-	-	SYM
easat-9128	266	3	115	115	NUM
easat-9128	266	4	,	,	PUNCT
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easat-9128	266	6	.	.	PUNCT
easat-9128	267	1	[	[	X
easat-9128	267	2	35	35	NUM
easat-9128	267	3	]	]	PUNCT
easat-9128	267	4	m.	m.	NOUN
easat-9128	267	5	pradana	pradana	PROPN
easat-9128	267	6	and	and	CCONJ
easat-9128	267	7	f.	f.	PROPN
easat-9128	267	8	novitasari	novitasari	PROPN
easat-9128	267	9	,	,	PUNCT
easat-9128	267	10	"	"	PUNCT
easat-9128	267	11	gap	gap	NOUN
easat-9128	267	12	analysis	analysis	NOUN
easat-9128	267	13	of	of	ADP
easat-9128	267	14	zalora	zalora	PROPN
easat-9128	267	15	online	online	ADJ
easat-9128	267	16	application	application	NOUN
easat-9128	267	17	:	:	PUNCT
easat-9128	267	18	indonesian	indonesian	ADJ
easat-9128	267	19	users	user	NOUN
easat-9128	267	20	'	'	PART
easat-9128	267	21	perspectives	perspective	NOUN
easat-9128	267	22	,	,	PUNCT
easat-9128	267	23	"	"	PUNCT
easat-9128	267	24	international	international	ADJ
easat-9128	267	25	journal	journal	NOUN
easat-9128	267	26	of	of	ADP
easat-9128	267	27	learning	learning	NOUN
easat-9128	267	28	and	and	CCONJ
easat-9128	267	29	change	change	NOUN
easat-9128	267	30	,	,	PUNCT
easat-9128	267	31	vol	vol	NOUN
easat-9128	267	32	.	.	PROPN
easat-9128	267	33	9	9	NUM
easat-9128	267	34	,	,	PUNCT
easat-9128	267	35	no	no	INTJ
easat-9128	267	36	.	.	NOUN
easat-9128	267	37	4	4	NUM
easat-9128	267	38	,	,	PUNCT
easat-9128	267	39	pp	pp	ADJ
easat-9128	267	40	.	.	PUNCT
easat-9128	267	41	334	334	NUM
easat-9128	267	42	-	-	SYM
easat-9128	267	43	347	347	NUM
easat-9128	267	44	,	,	PUNCT
easat-9128	267	45	2017	2017	NUM
easat-9128	267	46	.	.	PUNCT
easat-9128	268	1	[	[	X
easat-9128	268	2	36	36	NUM
easat-9128	268	3	]	]	X
easat-9128	268	4	o.	o.	PROPN
easat-9128	268	5	f.	f.	PROPN
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easat-9128	268	8	.	.	PUNCT
easat-9128	269	1	a.	a.	NOUN
easat-9128	269	2	development	development	PROPN
easat-9128	269	3	,	,	PUNCT
easat-9128	269	4	"	"	PUNCT
easat-9128	269	5	financial	financial	ADJ
easat-9128	269	6	literacy	literacy	NOUN
easat-9128	269	7	and	and	CCONJ
easat-9128	269	8	financial	financial	ADJ
easat-9128	269	9	inclusion	inclusion	NOUN
easat-9128	269	10	"	"	PUNCT
easat-9128	269	11	oecd	oecd	PROPN
easat-9128	269	12	publishing	publishing	NOUN
easat-9128	269	13	,	,	PUNCT
easat-9128	269	14	paris	paris	PROPN
easat-9128	269	15	,	,	PUNCT
easat-9128	269	16	france	france	PROPN
easat-9128	269	17	,	,	PUNCT
easat-9128	269	18	2022	2022	NUM
easat-9128	269	19	.	.	PUNCT
easat-9128	270	1	https://doi.org/10.3390/su162411065	https://doi.org/10.3390/su162411065	PROPN
easat-9128	270	2	https://doi.org/10.1257/jel.52.1.5	https://doi.org/10.1257/jel.52.1.5	PROPN