id	author	title	date	pages	extension	mime	words	sentence	flesch	summary	cache	txt
fsr-4041	Heo, Wookjae; Liu, Yi; Lee, Jae-min	Improving Communication with Financial Consumers: Insights from a Study of Phone Call Phobia 	2024	25	.pdf	application/pdf	11694	596	49	Furthermore, findings suggest that age may play a role in reports of high phone call phobia. The situation of avoidance of real-time communication, including phone call phobia, can potentially influence personal finance, particularly if it limits an individual's ability to communicate effectively with not only family, friends, and employers but also financial service providers.	cache/fsr-4041.pdf	txt/fsr-4041.txt