id	sid	eid	entity	type
fsr-4050	1	1	33(3	CARDINAL
fsr-4050	1	2	20	CARDINAL
fsr-4050	1	3	u.s.	GPE
fsr-4050	1	4	ying chen,1 sarah d. asebedo,2 todd d. little,	PERSON
fsr-4050	1	5	3	CARDINAL
fsr-4050	1	6	ning4	ORG
fsr-4050	3	1	453	CARDINAL
fsr-4050	3	2	u.s.	GPE
fsr-4050	3	3	july 2021	DATE
fsr-4050	12	1	4.0	CARDINAL
fsr-4050	12	2	chen	PERSON
fsr-4050	12	3	asebedo	PERSON
fsr-4050	12	4	s. d.	PERSON
fsr-4050	12	5	t. d.	GPE
fsr-4050	12	6	w.	PERSON
fsr-4050	12	7	2025	DATE
fsr-4050	13	1	u.s.	GPE
fsr-4050	14	1	33(3	CARDINAL
fsr-4050	14	2	20	CARDINAL
fsr-4050	15	1	covid-19	PERSON
fsr-4050	15	2	finra	ORG
fsr-4050	15	3	2022	CARDINAL
fsr-4050	15	4	u.s.	GPE
fsr-4050	16	1	1	CARDINAL
fsr-4050	16	2	central connecticut	ORG
fsr-4050	16	3	new britain	GPE
fsr-4050	16	4	ct, usa	ORG
fsr-4050	16	5	2	CARDINAL
fsr-4050	16	6	texas tech university	ORG
fsr-4050	16	7	lubbock	GPE
fsr-4050	16	8	tx, usa	ORG
fsr-4050	17	1	3	CARDINAL
fsr-4050	17	2	texas tech university	ORG
fsr-4050	17	3	lubbock	GPE
fsr-4050	17	4	tx, usa	ORG
fsr-4050	17	5	4	CARDINAL
fsr-4050	17	6	central connecticut	ORG
fsr-4050	17	7	new britain	GPE
fsr-4050	17	8	ct, usa.	ORG
fsr-4050	18	1	gjertson	ORG
fsr-4050	18	2	2016	DATE
fsr-4050	18	3	u.s.	GPE
fsr-4050	18	4	chen et al.	PERSON
fsr-4050	18	5	2024	DATE
fsr-4050	18	6	despard & roll	ORG
fsr-4050	18	7	2024	CARDINAL
fsr-4050	19	1	chen et al	PERSON
fsr-4050	19	2	21	CARDINAL
fsr-4050	19	3	u.s.	GPE
fsr-4050	19	4	2021	CARDINAL
fsr-4050	19	5	more than half	CARDINAL
fsr-4050	19	6	at least three months	DATE
fsr-4050	19	7	finra	ORG
fsr-4050	19	8	2022	CARDINAL
fsr-4050	19	9	americans	NORP
fsr-4050	19	10	2024	CARDINAL
fsr-4050	20	1	2,000	MONEY
fsr-4050	20	2	the next month	DATE
fsr-4050	20	3	only 43%	PERCENT
fsr-4050	20	4	u.s.	GPE
fsr-4050	20	5	2021	CARDINAL
fsr-4050	20	6	finra	ORG
fsr-4050	20	7	2022	CARDINAL
fsr-4050	21	1	1991	DATE
fsr-4050	22	1	2018	DATE
fsr-4050	23	1	at least three months'	DATE
fsr-4050	23	2	finra	ORG
fsr-4050	23	3	2022	CARDINAL
fsr-4050	24	1	al.	GPE
fsr-4050	24	2	2011	DATE
fsr-4050	25	1	conner & armitage	ORG
fsr-4050	25	2	1998	DATE
fsr-4050	26	1	1999	DATE
fsr-4050	28	1	fintech	ORG
fsr-4050	28	2	2023	CARDINAL
fsr-4050	28	3	2023	CARDINAL
fsr-4050	28	4	2016	DATE
fsr-4050	28	5	setiawan et al.	PERSON
fsr-4050	28	6	2022	CARDINAL
fsr-4050	29	1	2018	DATE
fsr-4050	29	2	thakor	ORG
fsr-4050	29	3	2020	DATE
fsr-4050	30	1	fintech	ORG
fsr-4050	30	2	the past decades	DATE
fsr-4050	31	1	2023	CARDINAL
fsr-4050	32	1	demirgüç	NORP
fsr-4050	32	2	2018	DATE
fsr-4050	32	3	2023	CARDINAL
fsr-4050	32	4	2017	DATE
fsr-4050	32	5	thakor	ORG
fsr-4050	32	6	2020	DATE
fsr-4050	33	1	covid-19	PERSON
fsr-4050	33	2	two	CARDINAL
fsr-4050	33	3	first	ORDINAL
fsr-4050	33	4	second	ORDINAL
fsr-4050	33	5	2023	CARDINAL
fsr-4050	35	1	2025	CARDINAL
fsr-4050	35	2	demirgüç-kunt et al.	PERSON
fsr-4050	35	3	2022	CARDINAL
fsr-4050	35	4	thakor	ORG
fsr-4050	35	5	2020	DATE
fsr-4050	36	1	96%	PERCENT
fsr-4050	36	2	u.s.	GPE
fsr-4050	36	3	2023	CARDINAL
fsr-4050	36	4	only 48%	PERCENT
fsr-4050	36	5	fdic	ORG
fsr-4050	36	6	2023	CARDINAL
fsr-4050	36	7	the united states	GPE
fsr-4050	38	1	2025	CARDINAL
fsr-4050	39	1	al.	GPE
fsr-4050	39	2	33(3	CARDINAL
fsr-4050	39	3	22	CARDINAL
fsr-4050	39	4	2020	DATE
fsr-4050	39	5	xiao et al.	PERSON
fsr-4050	39	6	2011	DATE
fsr-4050	39	7	2023	CARDINAL
fsr-4050	41	1	2021	CARDINAL
fsr-4050	41	2	anvariclark & ansong	ORG
fsr-4050	41	3	2022	CARDINAL
fsr-4050	41	4	al.	PERSON
fsr-4050	41	5	2025	DATE
fsr-4050	43	1	fintech	ORG
fsr-4050	44	1	2023	CARDINAL
fsr-4050	45	1	1991	DATE
fsr-4050	45	2	davis	ORG
fsr-4050	45	3	1989	DATE
fsr-4050	45	4	davis et al.	PERSON
fsr-4050	45	5	1989	DATE
fsr-4050	45	6	2003	DATE
fsr-4050	46	1	453	CARDINAL
fsr-4050	46	2	u.s.	GPE
fsr-4050	46	3	july 2021	DATE
fsr-4050	47	1	two	CARDINAL
fsr-4050	48	1	first	ORDINAL
fsr-4050	49	1	second	ORDINAL
fsr-4050	49	2	fintech	ORG
fsr-4050	51	1	two	CARDINAL
fsr-4050	52	1	three	CARDINAL
fsr-4050	53	1	section four	LAW
fsr-4050	54	1	section five	LAW
fsr-4050	55	1	section six	LAW
fsr-4050	56	1	heckman & hanna	ORG
fsr-4050	56	2	2015	DATE
fsr-4050	57	1	ando & modigliani	ORG
fsr-4050	57	2	1963	DATE
fsr-4050	58	1	anderson et al.	PERSON
fsr-4050	58	2	2017	CARDINAL
fsr-4050	58	3	asebedo et al.	PERSON
fsr-4050	58	4	2022	CARDINAL
fsr-4050	58	5	bi & montalto	ORG
fsr-4050	58	6	2004	DATE
fsr-4050	58	7	cole et al.	PERSON
fsr-4050	58	8	1992	DATE
fsr-4050	58	9	ouma et al.	PERSON
fsr-4050	58	10	2017	CARDINAL
fsr-4050	58	11	peiris	ORG
fsr-4050	58	12	2021	CARDINAL
fsr-4050	58	13	shefrin & thaler	ORG
fsr-4050	58	14	1988	DATE
fsr-4050	58	15	al.	PERSON
fsr-4050	58	16	2017	DATE
fsr-4050	59	1	heckman	PERSON
fsr-4050	59	2	hanna	PERSON
fsr-4050	59	3	2015	DATE
fsr-4050	60	1	asebedo et al	PERSON
fsr-4050	61	1	2019	DATE
fsr-4050	61	2	fse	ORG
fsr-4050	61	3	u.s.	GPE
fsr-4050	63	1	asebedo	PERSON
fsr-4050	63	2	2018	DATE
fsr-4050	63	3	fse	ORG
fsr-4050	63	4	u.s.	GPE
fsr-4050	64	1	leland	PERSON
fsr-4050	64	2	1968	DATE
fsr-4050	65	1	skinner	PERSON
fsr-4050	65	2	1988	DATE
fsr-4050	67	1	2011	DATE
fsr-4050	69	1	chen et al	PERSON
fsr-4050	69	2	23	CARDINAL
fsr-4050	69	3	at least three months	DATE
fsr-4050	70	1	al.	GPE
fsr-4050	70	2	2011	DATE
fsr-4050	71	1	johnson	PERSON
fsr-4050	71	2	1985	DATE
fsr-4050	71	3	two to six months	DATE
fsr-4050	72	1	two	CARDINAL
fsr-4050	72	2	johnson & widdows	ORG
fsr-4050	72	3	1985	DATE
fsr-4050	72	4	anong & devaney	ORG
fsr-4050	72	5	2010	DATE
fsr-4050	72	6	bi & montalto	ORG
fsr-4050	72	7	2004	DATE
fsr-4050	72	8	2008	DATE
fsr-4050	72	9	gjertson	ORG
fsr-4050	72	10	2016	DATE
fsr-4050	74	1	at least three months	DATE
fsr-4050	75	1	al.	GPE
fsr-4050	75	2	2011	DATE
fsr-4050	75	3	despard & roll	ORG
fsr-4050	75	4	2024	CARDINAL
fsr-4050	76	1	firstly	ORDINAL
fsr-4050	76	2	2008	DATE
fsr-4050	76	3	al.	PERSON
fsr-4050	76	4	2020	DATE
fsr-4050	77	1	babiarz & robb	ORG
fsr-4050	77	2	2014	DATE
fsr-4050	78	1	at least three months	DATE
fsr-4050	78	2	2020	DATE
fsr-4050	79	1	secondly	ORDINAL
fsr-4050	79	2	tang & baker	ORG
fsr-4050	79	3	2016	DATE
fsr-4050	80	1	2021	CARDINAL
fsr-4050	81	1	2016	CARDINAL
fsr-4050	83	1	babiarz & robb	ORG
fsr-4050	83	2	2014	DATE
fsr-4050	83	3	chen et al.	PERSON
fsr-4050	83	4	2024	DATE
fsr-4050	83	5	despard et al.	PERSON
fsr-4050	83	6	2020	DATE
fsr-4050	83	7	ismail et al.	PERSON
fsr-4050	83	8	2017	DATE
fsr-4050	85	1	first	ORDINAL
fsr-4050	85	2	bi & montalto	ORG
fsr-4050	85	3	2004	DATE
fsr-4050	86	1	500	MONEY
fsr-4050	86	2	2008	DATE
fsr-4050	87	1	second	ORDINAL
fsr-4050	87	2	wagner & walstad	ORG
fsr-4050	87	3	2019	DATE
fsr-4050	88	1	bi & montalto	ORG
fsr-4050	88	2	2004	DATE
fsr-4050	88	3	al.	GPE
fsr-4050	88	4	2011	DATE
fsr-4050	88	5	despard et al.	PERSON
fsr-4050	88	6	2020	DATE
fsr-4050	89	1	fintech	ORG
fsr-4050	89	2	fintech	ORG
fsr-4050	89	3	the decades	DATE
fsr-4050	89	4	2023	CARDINAL
fsr-4050	89	5	2016	DATE
fsr-4050	89	6	setiawan et al.	PERSON
fsr-4050	89	7	2022	CARDINAL
fsr-4050	89	8	thakor	ORG
fsr-4050	89	9	2020	DATE
fsr-4050	90	1	fintech	ORG
fsr-4050	90	2	2025	CARDINAL
fsr-4050	90	3	2023	CARDINAL
fsr-4050	90	4	2022	CARDINAL
fsr-4050	91	1	nicoletti	NORP
fsr-4050	91	2	2017	DATE
fsr-4050	92	1	fintech	ORG
fsr-4050	92	2	demirgüç	NORP
fsr-4050	92	3	2022	CARDINAL
fsr-4050	92	4	2017	DATE
fsr-4050	93	1	yeo	ORG
fsr-4050	93	2	fisher	PERSON
fsr-4050	93	3	2017	CARDINAL
fsr-4050	93	4	americans	NORP
fsr-4050	93	5	fintech	ORG
fsr-4050	95	1	2024	CARDINAL
fsr-4050	95	2	the european union	ORG
fsr-4050	96	1	fintech	ORG
fsr-4050	97	1	33(3	CARDINAL
fsr-4050	97	2	24	CARDINAL
fsr-4050	97	3	nourallah & öhman	ORG
fsr-4050	97	4	2021	CARDINAL
fsr-4050	99	1	1991	DATE
fsr-4050	100	1	three	CARDINAL
fsr-4050	101	1	1991	DATE
fsr-4050	110	1	conner & sparks	ORG
fsr-4050	110	2	2005	DATE
fsr-4050	110	3	godin & kok	ORG
fsr-4050	110	4	1996	DATE
fsr-4050	110	5	2020	DATE
fsr-4050	110	6	cheung et al.	ORG
fsr-4050	110	7	1999	DATE
fsr-4050	110	8	lin & shi	ORG
fsr-4050	110	9	2022	CARDINAL
fsr-4050	110	10	george, 2004	ORG
fsr-4050	110	11	paramita et al.	PERSON
fsr-4050	110	12	2018	DATE
fsr-4050	110	13	sharif & naghavi	ORG
fsr-4050	110	14	2021	CARDINAL
fsr-4050	110	15	shih & fang	ORG
fsr-4050	110	16	2004	DATE
fsr-4050	110	17	xiao et al.	PERSON
fsr-4050	110	18	2011	DATE
fsr-4050	111	1	three	CARDINAL
fsr-4050	112	1	2021	CARDINAL
fsr-4050	113	1	2004	DATE
fsr-4050	114	1	paramita et al	PERSON
fsr-4050	115	1	2018	DATE
fsr-4050	116	1	davis	ORG
fsr-4050	116	2	1989	DATE
fsr-4050	116	3	davis et al.	PERSON
fsr-4050	116	4	1989	DATE
fsr-4050	116	5	2003	DATE
fsr-4050	119	1	hu et al.	PERSON
fsr-4050	119	2	2019	DATE
fsr-4050	119	3	shih & fang	ORG
fsr-4050	119	4	2004	DATE
fsr-4050	119	5	singh	GPE
fsr-4050	119	6	2020	DATE
fsr-4050	119	7	samartha et al.	PERSON
fsr-4050	119	8	2022	CARDINAL
fsr-4050	119	9	wang	ORG
fsr-4050	119	10	2021	DATE
fsr-4050	120	1	wang	PERSON
fsr-4050	120	2	2021	CARDINAL
fsr-4050	121	1	hu et al	PERSON
fsr-4050	122	1	2019	DATE
fsr-4050	122	2	fintech	ORG
fsr-4050	123	1	samartha et al	PERSON
fsr-4050	124	1	2022	CARDINAL
fsr-4050	126	1	2004	DATE
fsr-4050	127	1	singh	GPE
fsr-4050	127	2	2020	DATE
fsr-4050	129	1	chen et al	PERSON
fsr-4050	129	2	25	CARDINAL
fsr-4050	129	3	tam	ORG
fsr-4050	129	4	three	CARDINAL
fsr-4050	130	1	fintech	ORG
fsr-4050	131	1	three	CARDINAL
fsr-4050	132	1	devaney et al.	PERSON
fsr-4050	132	2	2007	DATE
fsr-4050	132	3	magwegwe & lim	ORG
fsr-4050	132	4	2021	DATE
fsr-4050	133	1	magwegwe	ORG
fsr-4050	133	2	lim	PERSON
fsr-4050	133	3	2021	CARDINAL
fsr-4050	134	1	devaney et al.	PERSON
fsr-4050	134	2	2007	DATE
fsr-4050	135	1	monthly	DATE
fsr-4050	137	1	despard & roll	ORG
fsr-4050	137	2	2024	CARDINAL
fsr-4050	138	1	fintech	ORG
fsr-4050	138	2	2025	CARDINAL
fsr-4050	138	3	2023	CARDINAL
fsr-4050	138	4	2022	CARDINAL
fsr-4050	139	1	fintech	ORG
fsr-4050	141	1	duflo & saez	ORG
fsr-4050	141	2	2003	DATE
fsr-4050	141	3	2025	CARDINAL
fsr-4050	141	4	magwegwe & lim	ORG
fsr-4050	141	5	2021	DATE
fsr-4050	143	1	2025	DATE
fsr-4050	144	1	magwegwe	PERSON
fsr-4050	144	2	lim	PERSON
fsr-4050	144	3	2021	CARDINAL
fsr-4050	145	1	2015	DATE
fsr-4050	146	1	2003	DATE
fsr-4050	149	1	2021	CARDINAL
fsr-4050	151	1	ajzen	PERSON
fsr-4050	151	2	1991	DATE
fsr-4050	153	1	2025	CARDINAL
fsr-4050	153	2	satsio & hadjidakis	ORG
fsr-4050	153	3	2018	DATE
fsr-4050	154	1	1991	DATE
fsr-4050	155	1	fintech	ORG
fsr-4050	156	1	becker	ORG
fsr-4050	156	2	2017	DATE
fsr-4050	156	3	2023	CARDINAL
fsr-4050	157	1	33(3	CARDINAL
fsr-4050	157	2	26	CARDINAL
fsr-4050	160	1	asebedo	PERSON
fsr-4050	160	2	2018	DATE
fsr-4050	160	3	u.s.	GPE
fsr-4050	163	1	davis	ORG
fsr-4050	163	2	1989	DATE
fsr-4050	163	3	davis et al.	PERSON
fsr-4050	163	4	1989	DATE
fsr-4050	165	1	2025	DATE
fsr-4050	166	1	lee	PERSON
fsr-4050	166	2	2019	DATE
fsr-4050	167	1	al nawayseh	PERSON
fsr-4050	167	2	2020	DATE
fsr-4050	168	1	2020	DATE
fsr-4050	171	1	h6	ORG
fsr-4050	172	1	lee	PERSON
fsr-4050	172	2	2019	DATE
fsr-4050	172	3	ouma et al.	PERSON
fsr-4050	172	4	2017	CARDINAL
fsr-4050	172	5	sharif & naghavi	ORG
fsr-4050	172	6	2021	CARDINAL
fsr-4050	172	7	thakor	ORG
fsr-4050	172	8	2020	DATE
fsr-4050	174	1	2024	CARDINAL
fsr-4050	175	1	becker	PERSON
fsr-4050	175	2	2017	DATE
fsr-4050	175	3	first	ORDINAL
fsr-4050	176	1	demirgüç-kunt et al	PERSON
fsr-4050	177	1	2018	DATE
fsr-4050	177	2	fintech	ORG
fsr-4050	178	1	becker	PERSON
fsr-4050	178	2	2017	CARDINAL
fsr-4050	178	3	fintech	ORG
fsr-4050	178	4	guittierrez ramirez	PERSON
fsr-4050	178	5	2023	CARDINAL
fsr-4050	179	1	löwgren	PERSON
fsr-4050	179	2	2023	CARDINAL
fsr-4050	180	1	2017	CARDINAL
fsr-4050	181	1	2018	DATE
fsr-4050	181	2	chen et al	PERSON
fsr-4050	182	1	2024	CARDINAL
fsr-4050	186	1	1	CARDINAL
fsr-4050	187	1	chen et al	PERSON
fsr-4050	187	2	27	CARDINAL
fsr-4050	187	3	1	CARDINAL
fsr-4050	187	4	33(3	CARDINAL
fsr-4050	187	5	28	CARDINAL
fsr-4050	187	6	491	CARDINAL
fsr-4050	187	7	u.s.	GPE
fsr-4050	187	8	18	DATE
fsr-4050	187	9	amazon	ORG
fsr-4050	187	10	mturk	ORG
fsr-4050	187	11	july 2021	DATE
fsr-4050	188	1	2017	DATE
fsr-4050	190	1	fintech	ORG
fsr-4050	190	2	1991	DATE
fsr-4050	190	3	2006	DATE
fsr-4050	190	4	mturk	ORG
fsr-4050	192	1	45	CARDINAL
fsr-4050	192	2	25	CARDINAL
fsr-4050	192	3	20	CARDINAL
fsr-4050	192	4	mturk	ORG
fsr-4050	192	5	2017	DATE
fsr-4050	193	1	450	CARDINAL
fsr-4050	193	2	5%	PERCENT
fsr-4050	193	3	95%	PERCENT
fsr-4050	194	1	mturk	ORG
fsr-4050	194	2	21	CARDINAL
fsr-4050	194	3	470	CARDINAL
fsr-4050	194	4	17	CARDINAL
fsr-4050	194	5	less than 40%	PERCENT
fsr-4050	195	1	17	CARDINAL
fsr-4050	195	2	453	CARDINAL
fsr-4050	196	1	two	CARDINAL
fsr-4050	196	2	50,006,000	MONEY
fsr-4050	196	3	70,008,000	MONEY
fsr-4050	196	4	6,000,000	MONEY
fsr-4050	196	5	50,000	MONEY
fsr-4050	198	1	2024	DATE
fsr-4050	199	1	ruel et al.	PERSON
fsr-4050	199	2	2015	DATE
fsr-4050	201	1	jargon	ORG
fsr-4050	204	1	at least three months	DATE
fsr-4050	205	1	monthly	DATE
fsr-4050	205	2	three	CARDINAL
fsr-4050	207	1	1	CARDINAL
fsr-4050	207	2	0	CARDINAL
fsr-4050	209	1	three	CARDINAL
fsr-4050	210	1	2006	DATE
fsr-4050	211	1	seven	CARDINAL
fsr-4050	211	2	three	CARDINAL
fsr-4050	212	1	0.7 ≤ 𝛼 ≤ 0.8	QUANTITY
fsr-4050	213	1	taber	PERSON
fsr-4050	213	2	2018	DATE
fsr-4050	214	1	7	CARDINAL
fsr-4050	216	1	two	CARDINAL
fsr-4050	217	1	2020	DATE
fsr-4050	217	2	ten	CARDINAL
fsr-4050	218	1	zero	CARDINAL
fsr-4050	218	2	ten	CARDINAL
fsr-4050	219	1	29	CARDINAL
fsr-4050	221	1	cfa	ORG
fsr-4050	221	2	mplus	GPE
fsr-4050	222	1	1991	DATE
fsr-4050	224	1	2024	DATE
fsr-4050	225	1	2015	DATE
fsr-4050	226	1	vifs	PERSON
fsr-4050	226	2	henager & cude	ORG
fsr-4050	226	3	2016	DATE
fsr-4050	227	1	vifs	PERSON
fsr-4050	227	2	1.44	CARDINAL
fsr-4050	227	3	1.05	CARDINAL
fsr-4050	227	4	1.91	CARDINAL
fsr-4050	228	1	1	CARDINAL
fsr-4050	228	2	2	CARDINAL
fsr-4050	229	1	approximately 39%	PERCENT
fsr-4050	230	1	5	CARDINAL
fsr-4050	230	2	7	CARDINAL
fsr-4050	231	1	3.3	CARDINAL
fsr-4050	231	2	7	CARDINAL
fsr-4050	231	3	3.4	CARDINAL
fsr-4050	231	4	7	CARDINAL
fsr-4050	232	1	5.2	CARDINAL
fsr-4050	232	2	10	CARDINAL
fsr-4050	232	3	5.3	CARDINAL
fsr-4050	232	4	7	CARDINAL
fsr-4050	233	1	5.5	CARDINAL
fsr-4050	233	2	7.8	CARDINAL
fsr-4050	233	3	0.2	CARDINAL
fsr-4050	234	1	4.7	CARDINAL
fsr-4050	234	2	6.3	CARDINAL
fsr-4050	234	3	0.3	CARDINAL
fsr-4050	235	1	37 years old	DATE
fsr-4050	236	1	98%	PERCENT
fsr-4050	236	2	66%	PERCENT
fsr-4050	236	3	70%	PERCENT
fsr-4050	236	4	62%	PERCENT
fsr-4050	236	5	67%	PERCENT
fsr-4050	236	6	90%	PERCENT
fsr-4050	236	7	one	CARDINAL
fsr-4050	236	8	two (58%	PERCENT
fsr-4050	237	1	33(3	CARDINAL
fsr-4050	237	2	30	CARDINAL
fsr-4050	237	3	1	CARDINAL
fsr-4050	238	1	1-7	DATE
fsr-4050	238	2	5.902	CARDINAL
fsr-4050	238	3	1.307	CARDINAL
fsr-4050	239	1	5.907	CARDINAL
fsr-4050	239	2	1.232	CARDINAL
fsr-4050	239	3	1-7	DATE
fsr-4050	239	4	6.158	CARDINAL
fsr-4050	239	5	1.091	CARDINAL
fsr-4050	239	6	1-7	DATE
fsr-4050	239	7	5.951	CARDINAL
fsr-4050	239	8	1.078	CARDINAL
fsr-4050	239	9	sn2	ORG
fsr-4050	239	10	1-7	DATE
fsr-4050	239	11	5.715	CARDINAL
fsr-4050	239	12	1.156	CARDINAL
fsr-4050	239	13	1-7	DATE
fsr-4050	239	14	5.344	CARDINAL
fsr-4050	239	15	1.664	CARDINAL
fsr-4050	239	16	17	CARDINAL
fsr-4050	239	17	5.409	CARDINAL
fsr-4050	239	18	1.486	CARDINAL
fsr-4050	239	19	1-7	DATE
fsr-4050	239	20	5.000	CARDINAL
fsr-4050	239	21	1.801	CARDINAL
fsr-4050	239	22	1-7	DATE
fsr-4050	239	23	3.254	CARDINAL
fsr-4050	239	24	1.908	CARDINAL
fsr-4050	239	25	1-7	DATE
fsr-4050	239	26	3.372	CARDINAL
fsr-4050	239	27	1.861	CARDINAL
fsr-4050	239	28	0-10	CARDINAL
fsr-4050	239	29	5.236	CARDINAL
fsr-4050	239	30	2.493	CARDINAL
fsr-4050	239	31	1-7	DATE
fsr-4050	239	32	5.260	CARDINAL
fsr-4050	239	33	1.346	CARDINAL
fsr-4050	239	34	4.819	CARDINAL
fsr-4050	239	35	7.780	CARDINAL
fsr-4050	239	36	5.530	CARDINAL
fsr-4050	239	37	0.230	CARDINAL
fsr-4050	239	38	3.146	CARDINAL
fsr-4050	239	39	6.301	CARDINAL
fsr-4050	239	40	4.721	CARDINAL
fsr-4050	239	41	0.311	CARDINAL
fsr-4050	239	42	71	CARDINAL
fsr-4050	239	43	36.815	CARDINAL
fsr-4050	239	44	mturk	ORG
fsr-4050	239	45	july 2021	DATE
fsr-4050	241	1	453	CARDINAL
fsr-4050	241	2	chen et al	PERSON
fsr-4050	241	3	2	CARDINAL
fsr-4050	241	4	175	CARDINAL
fsr-4050	241	5	38.63%	PERCENT
fsr-4050	241	6	446	CARDINAL
fsr-4050	241	7	98.45%	PERCENT
fsr-4050	241	8	156	CARDINAL
fsr-4050	241	9	34.44%	PERCENT
fsr-4050	241	10	297	CARDINAL
fsr-4050	241	11	65.56%	PERCENT
fsr-4050	241	12	318	CARDINAL
fsr-4050	241	13	70.20%	PERCENT
fsr-4050	241	14	29.80%	PERCENT
fsr-4050	241	15	7.73%	PERCENT
fsr-4050	241	16	11.48%	PERCENT
fsr-4050	241	17	279	CARDINAL
fsr-4050	241	18	61.59%	PERCENT
fsr-4050	241	19	87	DATE
fsr-4050	241	20	19.21%	PERCENT
fsr-4050	241	21	305	CARDINAL
fsr-4050	241	22	67.33%	PERCENT
fsr-4050	241	23	148	CARDINAL
fsr-4050	241	24	32.67%	PERCENT
fsr-4050	241	25	408	CARDINAL
fsr-4050	241	26	90.07%	PERCENT
fsr-4050	241	27	45 (9.93%	PERCENT
fsr-4050	241	28	zero	CARDINAL
fsr-4050	241	29	37.31%	PERCENT
fsr-4050	241	30	one 149	CARDINAL
fsr-4050	241	31	32.89%	PERCENT
fsr-4050	241	32	two	CARDINAL
fsr-4050	241	33	25.17%	PERCENT
fsr-4050	241	34	three	CARDINAL
fsr-4050	241	35	21	DATE
fsr-4050	241	36	4.64%	PERCENT
fsr-4050	241	37	mturk	ORG
fsr-4050	241	38	july 2021	DATE
fsr-4050	242	1	453	CARDINAL
fsr-4050	242	2	33(3	CARDINAL
fsr-4050	242	3	32	CARDINAL
fsr-4050	242	4	3	CARDINAL
fsr-4050	243	1	0.70	CARDINAL
fsr-4050	243	2	nunnally & bernstein	ORG
fsr-4050	243	3	1994	DATE
fsr-4050	244	1	3	CARDINAL
fsr-4050	244	2	1 2	CARDINAL
fsr-4050	244	3	18	CARDINAL
fsr-4050	244	4	1 1.00 2 0.20 1.00	QUANTITY
fsr-4050	244	5	1.00	CARDINAL
fsr-4050	244	6	0.17	CARDINAL
fsr-4050	244	7	0.03 0.08	CARDINAL
fsr-4050	244	8	1.00	CARDINAL
fsr-4050	244	9	0.05 0.11	CARDINAL
fsr-4050	244	10	0.10	CARDINAL
fsr-4050	244	11	1.00	CARDINAL
fsr-4050	244	12	0.04 -0.15	QUANTITY
fsr-4050	244	13	0.19	CARDINAL
fsr-4050	244	14	1.00	CARDINAL
fsr-4050	244	15	0.06 0.01 -0.14	QUANTITY
fsr-4050	244	16	0.14	CARDINAL
fsr-4050	244	17	1.00	CARDINAL
fsr-4050	244	18	0.06 0.08	CARDINAL
fsr-4050	244	19	0.01	CARDINAL
fsr-4050	244	20	0.05	CARDINAL
fsr-4050	244	21	1.00	MONEY
fsr-4050	244	22	0.50	CARDINAL
fsr-4050	245	1	0.02	CARDINAL
fsr-4050	245	2	0.09	CARDINAL
fsr-4050	245	3	0.06 0.13	QUANTITY
fsr-4050	245	4	0.10	CARDINAL
fsr-4050	245	5	1.00 12 -0.15	QUANTITY
fsr-4050	245	6	0.11	CARDINAL
fsr-4050	245	7	0.06	CARDINAL
fsr-4050	246	1	0.39	CARDINAL
fsr-4050	246	2	0.27	CARDINAL
fsr-4050	246	3	0.19	CARDINAL
fsr-4050	246	4	0.03	CARDINAL
fsr-4050	246	5	13 0.15	CARDINAL
fsr-4050	246	6	-0.01 0.16	CARDINAL
fsr-4050	246	7	0.02 0.19	CARDINAL
fsr-4050	246	8	0.26	CARDINAL
fsr-4050	246	9	-0.03 0.15	CARDINAL
fsr-4050	246	10	0.06	CARDINAL
fsr-4050	246	11	1.00	CARDINAL
fsr-4050	246	12	0.14	CARDINAL
fsr-4050	246	13	0.02 0.12	CARDINAL
fsr-4050	246	14	0.23	CARDINAL
fsr-4050	247	1	0.28	CARDINAL
fsr-4050	247	2	0.11	CARDINAL
fsr-4050	247	3	0.10	CARDINAL
fsr-4050	247	4	0.45	CARDINAL
fsr-4050	247	5	1.00	CARDINAL
fsr-4050	247	6	0.24	CARDINAL
fsr-4050	247	7	0.12	CARDINAL
fsr-4050	247	8	0.04	CARDINAL
fsr-4050	247	9	0.19	CARDINAL
fsr-4050	247	10	0.28	CARDINAL
fsr-4050	247	11	0.01 0.13	CARDINAL
fsr-4050	247	12	-0.05	CARDINAL
fsr-4050	247	13	0.30	CARDINAL
fsr-4050	247	14	0.45	CARDINAL
fsr-4050	247	15	1.00	CARDINAL
fsr-4050	248	1	0.09	CARDINAL
fsr-4050	248	2	0.22	CARDINAL
fsr-4050	248	3	0.27	CARDINAL
fsr-4050	248	4	0.04 0.08 -0.04	QUANTITY
fsr-4050	248	5	0.23	CARDINAL
fsr-4050	248	6	0.27	CARDINAL
fsr-4050	248	7	0.43	CARDINAL
fsr-4050	248	8	1.00	CARDINAL
fsr-4050	248	9	17 -0.04 0.16	QUANTITY
fsr-4050	248	10	0.03	CARDINAL
fsr-4050	248	11	0.20	CARDINAL
fsr-4050	248	12	0.16	CARDINAL
fsr-4050	248	13	0.20	CARDINAL
fsr-4050	248	14	0.02	CARDINAL
fsr-4050	248	15	0.36	CARDINAL
fsr-4050	248	16	0.07 -0.03	QUANTITY
fsr-4050	248	17	1.00	CARDINAL
fsr-4050	248	18	-0.03 0.12	CARDINAL
fsr-4050	248	19	0.01	CARDINAL
fsr-4050	248	20	0.07 0.28	CARDINAL
fsr-4050	249	1	0.29	CARDINAL
fsr-4050	249	2	0.14	CARDINAL
fsr-4050	249	3	0.14	CARDINAL
fsr-4050	250	1	0.36	CARDINAL
fsr-4050	250	2	1.00	CARDINAL
fsr-4050	250	3	0.03 0.12	CARDINAL
fsr-4050	250	4	0.20	CARDINAL
fsr-4050	250	5	0.22	CARDINAL
fsr-4050	250	6	0.02 0.22	CARDINAL
fsr-4050	250	7	0.19	CARDINAL
fsr-4050	250	8	0.54	CARDINAL
fsr-4050	251	1	0.43	CARDINAL
fsr-4050	252	1	0.24	CARDINAL
fsr-4050	253	1	0.29	CARDINAL
fsr-4050	253	2	0.06 0.35	QUANTITY
fsr-4050	253	3	0.88	CARDINAL
fsr-4050	253	4	2	CARDINAL
fsr-4050	253	5	3	CARDINAL
fsr-4050	253	6	4	CARDINAL
fsr-4050	253	7	5	CARDINAL
fsr-4050	253	8	6	CARDINAL
fsr-4050	253	9	7	CARDINAL
fsr-4050	253	10	8	CARDINAL
fsr-4050	253	11	9-age	DATE
fsr-4050	253	12	10	CARDINAL
fsr-4050	253	13	11	CARDINAL
fsr-4050	253	14	12	CARDINAL
fsr-4050	253	15	13	CARDINAL
fsr-4050	253	16	14	CARDINAL
fsr-4050	253	17	15	CARDINAL
fsr-4050	253	18	16	CARDINAL
fsr-4050	253	19	17	CARDINAL
fsr-4050	253	20	18	CARDINAL
fsr-4050	253	21	19	CARDINAL
fsr-4050	254	1	c.r.	GPE
fsr-4050	254	2	0.05	CARDINAL
fsr-4050	254	3	0.01	CARDINAL
fsr-4050	254	4	0.001	CARDINAL
fsr-4050	254	5	chen et al	PERSON
fsr-4050	255	1	33	CARDINAL
fsr-4050	255	2	cfa	ORG
fsr-4050	256	1	0	CARDINAL
fsr-4050	256	2	1	CARDINAL
fsr-4050	256	3	2024	DATE
fsr-4050	257	1	4	CARDINAL
fsr-4050	258	1	chin	PERSON
fsr-4050	258	2	1998	DATE
fsr-4050	259	1	4	CARDINAL
fsr-4050	260	1	1	CARDINAL
fsr-4050	260	2	2	CARDINAL
fsr-4050	260	3	3	CARDINAL
fsr-4050	260	4	0.071	CARDINAL
fsr-4050	261	1	0.828	MONEY
fsr-4050	261	2	0.011	CARDINAL
fsr-4050	261	3	sn2 -0.091 0.925	ORG
fsr-4050	262	1	0.070	CARDINAL
fsr-4050	262	2	0.038	CARDINAL
fsr-4050	262	3	0.916	CARDINAL
fsr-4050	262	4	mturk	ORG
fsr-4050	262	5	july 2021	DATE
fsr-4050	263	1	453	CARDINAL
fsr-4050	263	2	2	CARDINAL
fsr-4050	264	1	132	CARDINAL
fsr-4050	264	2	333.421	CARDINAL
fsr-4050	264	3	0.001	CARDINAL
fsr-4050	264	4	0.044	CARDINAL
fsr-4050	264	5	90%	PERCENT
fsr-4050	265	1	0.050	CARDINAL
fsr-4050	265	2	0.849	CARDINAL
fsr-4050	265	3	srmr=0.057	ORG
fsr-4050	266	1	33(3	CARDINAL
fsr-4050	266	2	34	CARDINAL
fsr-4050	266	3	2	CARDINAL
fsr-4050	267	1	0.05	CARDINAL
fsr-4050	267	2	0.01	CARDINAL
fsr-4050	267	3	0.001	CARDINAL
fsr-4050	267	4	0.408	CARDINAL
fsr-4050	267	5	chen et al	PERSON
fsr-4050	267	6	35	CARDINAL
fsr-4050	267	7	5	CARDINAL
fsr-4050	268	1	0.001	CARDINAL
fsr-4050	269	1	0.408	CARDINAL
fsr-4050	269	2	0.01	CARDINAL
fsr-4050	269	3	0.571	CARDINAL
fsr-4050	269	4	0.001	CARDINAL
fsr-4050	270	1	0.079	CARDINAL
fsr-4050	270	2	0.001	CARDINAL
fsr-4050	271	1	0.568	CARDINAL
fsr-4050	271	2	0.001	CARDINAL
fsr-4050	271	3	0.353	CARDINAL
fsr-4050	271	4	0.001	CARDINAL
fsr-4050	272	1	0.041	CARDINAL
fsr-4050	272	2	0.01	CARDINAL
fsr-4050	273	1	h7	PRODUCT
fsr-4050	274	1	5	CARDINAL
fsr-4050	274	2	0.098	CARDINAL
fsr-4050	274	3	0.408	CARDINAL
fsr-4050	275	1	0.144	CARDINAL
fsr-4050	275	2	0.571	CARDINAL
fsr-4050	275	3	0.078	CARDINAL
fsr-4050	275	4	0.079	CARDINAL
fsr-4050	275	5	0.021	CARDINAL
fsr-4050	275	6	0.568	CARDINAL
fsr-4050	275	7	0.042	CARDINAL
fsr-4050	275	8	h6	ORG
fsr-4050	275	9	0.353	CARDINAL
fsr-4050	275	10	0.046	CARDINAL
fsr-4050	275	11	0.014	CARDINAL
fsr-4050	275	12	0.041	CARDINAL
fsr-4050	275	13	0.014	CARDINAL
fsr-4050	275	14	mturk	ORG
fsr-4050	275	15	july 2021	DATE
fsr-4050	276	1	453	CARDINAL
fsr-4050	277	1	0.05	CARDINAL
fsr-4050	277	2	0.01	CARDINAL
fsr-4050	277	3	0.001	CARDINAL
fsr-4050	277	4	6	CARDINAL
fsr-4050	277	5	95%	PERCENT
fsr-4050	278	1	three	CARDINAL
fsr-4050	279	1	first	ORDINAL
fsr-4050	279	2	0.05	CARDINAL
fsr-4050	279	3	95%	PERCENT
fsr-4050	281	1	second	ORDINAL
fsr-4050	281	2	33(3	CARDINAL
fsr-4050	281	3	36	CARDINAL
fsr-4050	281	4	0.006	CARDINAL
fsr-4050	281	5	0.05	CARDINAL
fsr-4050	281	6	95%	PERCENT
fsr-4050	282	1	0.001	CARDINAL
fsr-4050	282	2	0.011	CARDINAL
fsr-4050	283	1	third	ORDINAL
fsr-4050	283	2	0.008	CARDINAL
fsr-4050	283	3	0.01	CARDINAL
fsr-4050	283	4	95%	PERCENT
fsr-4050	284	1	0.003	CARDINAL
fsr-4050	284	2	0.014	CARDINAL
fsr-4050	286	1	6	CARDINAL
fsr-4050	286	2	95%	PERCENT
fsr-4050	287	1	0.003	CARDINAL
fsr-4050	287	2	0.003	CARDINAL
fsr-4050	288	1	0.008	CARDINAL
fsr-4050	288	2	0.003	CARDINAL
fsr-4050	288	3	0.002	CARDINAL
fsr-4050	288	4	0.005	CARDINAL
fsr-4050	288	5	0.003	CARDINAL
fsr-4050	288	6	0.003	CARDINAL
fsr-4050	288	7	0.006	CARDINAL
fsr-4050	288	8	0.003	CARDINAL
fsr-4050	288	9	0.001 0.011	CARDINAL
fsr-4050	288	10	0.008	CARDINAL
fsr-4050	288	11	0.003	CARDINAL
fsr-4050	288	12	0.003 0.014	CARDINAL
fsr-4050	288	13	ci	PERSON
fsr-4050	290	1	0.05	CARDINAL
fsr-4050	290	2	0.01	CARDINAL
fsr-4050	290	3	0.001	CARDINAL
fsr-4050	290	4	1991	DATE
fsr-4050	290	5	tam	PERSON
fsr-4050	290	6	davis	ORG
fsr-4050	290	7	1989	DATE
fsr-4050	290	8	2003	DATE
fsr-4050	290	9	three	CARDINAL
fsr-4050	291	1	first	ORDINAL
fsr-4050	292	1	three	CARDINAL
fsr-4050	294	1	second	ORDINAL
fsr-4050	296	1	2006	DATE
fsr-4050	297	1	chen et al	PERSON
fsr-4050	297	2	37	CARDINAL
fsr-4050	297	3	1992	DATE
fsr-4050	297	4	davis, 1989; vermeir & verbeke	ORG
fsr-4050	297	5	2006	DATE
fsr-4050	299	1	fintech	ORG
fsr-4050	299	2	khan	NORP
fsr-4050	299	3	2023	CARDINAL
fsr-4050	306	1	1991	DATE
fsr-4050	307	1	h4	ORG
fsr-4050	307	2	xiao et al	PERSON
fsr-4050	308	1	2011	DATE
fsr-4050	309	1	two	CARDINAL
fsr-4050	310	1	h6	ORG
fsr-4050	310	2	davis	ORG
fsr-4050	310	3	1989	DATE
fsr-4050	310	4	davis et al.	PERSON
fsr-4050	310	5	1989	DATE
fsr-4050	310	6	al.	PERSON
fsr-4050	310	7	2003	DATE
fsr-4050	313	1	h8	ORG
fsr-4050	315	1	h7	PRODUCT
fsr-4050	316	1	fintech	ORG
fsr-4050	316	2	conner & armitage	ORG
fsr-4050	316	3	1998	DATE
fsr-4050	316	4	2023	CARDINAL
fsr-4050	326	1	bi & montalto	ORG
fsr-4050	326	2	2004	DATE
fsr-4050	327	1	2017	CARDINAL
fsr-4050	327	2	2021	CARDINAL
fsr-4050	328	1	payday	DATE
fsr-4050	328	2	2009	DATE
fsr-4050	328	3	al.	GPE
fsr-4050	328	4	2011	DATE
fsr-4050	328	5	leclerc	ORG
fsr-4050	328	6	2012	DATE
fsr-4050	331	1	khandelwal et al	PERSON
fsr-4050	332	1	2021	CARDINAL
fsr-4050	333	1	33(3	CARDINAL
fsr-4050	333	2	38	CARDINAL
fsr-4050	336	1	1991	DATE
fsr-4050	339	1	tam	ORG
fsr-4050	339	2	davis	ORG
fsr-4050	339	3	1989	DATE
fsr-4050	339	4	2003	DATE
fsr-4050	342	1	bowen & wiersema	ORG
fsr-4050	342	2	1999	DATE
fsr-4050	344	1	second	ORDINAL
fsr-4050	344	2	three	CARDINAL
fsr-4050	345	1	third	ORDINAL
fsr-4050	347	1	u.s.	GPE
fsr-4050	349	1	2006	DATE
fsr-4050	354	1	1991	DATE
fsr-4050	354	2	tam	ORG
fsr-4050	354	3	davis	ORG
fsr-4050	354	4	1989	DATE
fsr-4050	354	5	al.	PERSON
fsr-4050	354	6	2003	DATE
fsr-4050	355	1	three	CARDINAL
fsr-4050	356	1	three	CARDINAL
fsr-4050	357	1	first	ORDINAL
fsr-4050	358	1	1992	DATE
fsr-4050	361	1	fintech	ORG
fsr-4050	362	1	kenya	GPE
fsr-4050	363	1	2013	DATE
fsr-4050	365	1	second	ORDINAL
fsr-4050	366	1	nourallah & öhman	ORG
fsr-4050	366	2	2021	CARDINAL
fsr-4050	368	1	chen et al	PERSON
fsr-4050	368	2	39	CARDINAL
fsr-4050	371	1	2022	CARDINAL
fsr-4050	372	1	gargano & rossi	ORG
fsr-4050	372	2	2024	DATE
fsr-4050	372	3	2023	CARDINAL
fsr-4050	373	1	2022	CARDINAL
fsr-4050	373	2	sandrine et al.	PERSON
fsr-4050	373	3	2019	DATE
fsr-4050	375	1	u.s. congress	ORG
fsr-4050	375	2	2021	CARDINAL
fsr-4050	375	3	day	DATE
fsr-4050	375	4	20 percent	PERCENT
fsr-4050	377	1	d.	NORP
fsr-4050	377	2	pia	PERSON
fsr-4050	377	3	2025	DATE
fsr-4050	378	1	fintech	ORG
fsr-4050	379	1	63(1	CARDINAL
fsr-4050	379	2	49-75	CARDINAL
fsr-4050	380	1	https://doi.org/10.1108/md-07-2023-1136 agarwal	ORG
fsr-4050	380	2	s.	GPE
fsr-4050	380	3	skiba	ORG
fsr-4050	380	4	m., & tobacman	ORG
fsr-4050	380	5	j.	PERSON
fsr-4050	380	6	2009	DATE
fsr-4050	381	1	payday	DATE
fsr-4050	382	1	american	NORP
fsr-4050	382	2	99(2	CARDINAL
fsr-4050	382	3	412–417	CARDINAL
fsr-4050	383	1	i.	PERSON
fsr-4050	383	2	1991	DATE
fsr-4050	385	1	179–211	CARDINAL
fsr-4050	386	1	i.	PERSON
fsr-4050	386	2	2006	DATE
fsr-4050	389	1	university of massachusetts amherst	ORG
fsr-4050	390	1	https://people.umass.edu/aizen/pdf/tpb.meas	GPE
fsr-4050	390	2	i.	PERSON
fsr-4050	390	3	2020	DATE
fsr-4050	392	1	2(4	CARDINAL
fsr-4050	392	2	314–324	DATE
fsr-4050	393	1	al nawayseh	PERSON
fsr-4050	393	2	m. k.	PERSON
fsr-4050	393	3	2020	DATE
fsr-4050	394	1	fintech	ORG
fsr-4050	394	2	covid-19	GPE
fsr-4050	395	1	6(4	CARDINAL
fsr-4050	395	2	153	CARDINAL
fsr-4050	396	1	https://doi.org/10.3390/joitmc6040153 anderson	PERSON
fsr-4050	396	2	baker	PERSON
fsr-4050	396	3	f., & robinson	ORG
fsr-4050	396	4	d. t.	PERSON
fsr-4050	396	5	2017	CARDINAL
fsr-4050	398	1	journal of financial economics	ORG
fsr-4050	398	2	126(2	CARDINAL
fsr-4050	398	3	383–398	CARDINAL
fsr-4050	399	1	ando, a., & modigliani	ORG
fsr-4050	399	2	f.	PERSON
fsr-4050	399	3	1963	DATE
fsr-4050	401	1	american	NORP
fsr-4050	402	1	anong	PERSON
fsr-4050	402	2	s. t., & devaney	PERSON
fsr-4050	402	3	s. a.	PERSON
fsr-4050	402	4	2010	DATE
fsr-4050	404	1	consumer sciences research journal	ORG
fsr-4050	404	2	38(4	CARDINAL
fsr-4050	404	3	405–419	CARDINAL
fsr-4050	405	1	anvari-clark	PERSON
fsr-4050	405	2	j., & ansong	ORG
fsr-4050	405	3	2022	CARDINAL
fsr-4050	407	1	43(4	DATE
fsr-4050	407	2	730–743	CARDINAL
fsr-4050	408	1	asebedo	GPE
fsr-4050	408	2	s. d.	PERSON
fsr-4050	408	3	quadria	GPE
fsr-4050	408	4	t. h.	GPE
fsr-4050	408	5	chen	PERSON
fsr-4050	408	6	montenegro	GPE
fsr-4050	408	7	e.	ORG
fsr-4050	408	8	2022	CARDINAL
fsr-4050	410	1	199	CARDINAL
fsr-4050	410	2	33(3	CARDINAL
fsr-4050	410	3	40 111854	DATE
fsr-4050	411	1	https://doi.org/10.1016/j.paid.2022.111854 asebedo	PERSON
fsr-4050	411	2	s. d.	PERSON
fsr-4050	411	3	m. c.	PERSON
fsr-4050	411	4	2018	DATE
fsr-4050	413	1	29(2	CARDINAL
fsr-4050	413	2	357	CARDINAL
fsr-4050	414	1	https://doi.org/10.1891/1052-3073.29.2.357 asebedo	PERSON
fsr-4050	414	2	s. d.	PERSON
fsr-4050	414	3	wilmarth	GPE
fsr-4050	414	4	m. j.	PERSON
fsr-4050	414	5	m. c.	PERSON
fsr-4050	414	6	k.	PERSON
fsr-4050	414	7	g. l.	PERSON
fsr-4050	414	8	m. (	PERSON
fsr-4050	414	9	2019	DATE
fsr-4050	416	1	53(2	CARDINAL
fsr-4050	416	2	488–519	CARDINAL
fsr-4050	417	1	https://doi.org/10.1111/joca.12199 babiarz	PERSON
fsr-4050	417	2	c. a.	PERSON
fsr-4050	417	3	2014	DATE
fsr-4050	419	1	40-50	CARDINAL
fsr-4050	420	1	r. p.	PERSON
fsr-4050	420	2	1992	DATE
fsr-4050	422	1	quarterly	DATE
fsr-4050	422	2	178	CARDINAL
fsr-4050	423	1	k.	PERSON
fsr-4050	423	2	hussin	GPE
fsr-4050	423	3	n., & kamarudin	ORG
fsr-4050	423	4	s.	PERSON
fsr-4050	423	5	2023	CARDINAL
fsr-4050	425	1	9(1	CARDINAL
fsr-4050	425	2	100010	DATE
fsr-4050	426	1	2017	CARDINAL
fsr-4050	427	1	fintech	ORG
fsr-4050	429	1	federal reserve bank	ORG
fsr-4050	429	2	philadelphia	GPE
fsr-4050	429	3	j., choi	ORG
fsr-4050	429	4	j. j.	PERSON
fsr-4050	429	5	laibson	GPE
fsr-4050	429	6	d.	NORP
fsr-4050	429	7	madrian	ORG
fsr-4050	429	8	b. c., & milkman	PERSON
fsr-4050	429	9	k. l.	PERSON
fsr-4050	429	10	2015	DATE
fsr-4050	431	1	1161-1201	DATE
fsr-4050	432	1	l., & montalto	ORG
fsr-4050	433	1	c. p.	PERSON
fsr-4050	433	2	2004	DATE
fsr-4050	435	1	13(2	CARDINAL
fsr-4050	435	2	93–110	CARDINAL
fsr-4050	435	3	m.	PERSON
fsr-4050	435	4	i., & schmidt	ORG
fsr-4050	435	5	2020	DATE
fsr-4050	437	1	europe	LOC
fsr-4050	437	2	16(3	CARDINAL
fsr-4050	437	3	352–356	CARDINAL
fsr-4050	438	1	bowen	PERSON
fsr-4050	438	2	h. p.,	PERSON
fsr-4050	438	3	m. f. (	PERSON
fsr-4050	438	4	1999	DATE
fsr-4050	440	1	20(7	GPE
fsr-4050	440	2	625	CARDINAL
fsr-4050	441	1	2008	DATE
fsr-4050	443	1	consumer federation of america	ORG
fsr-4050	444	1	t. a.	GPE
fsr-4050	444	2	2015	CARDINAL
fsr-4050	445	1	2nd	ORDINAL
fsr-4050	446	1	guilford press	ORG
fsr-4050	447	1	chase	ORG
fsr-4050	447	2	s.	GPE
fsr-4050	447	3	l., & collins	ORG
fsr-4050	447	4	j. m.	PERSON
fsr-4050	447	5	2011	DATE
fsr-4050	448	1	6	CARDINAL
fsr-4050	450	1	chen	PERSON
fsr-4050	450	2	asebedo	PERSON
fsr-4050	450	3	s. d.	PERSON
fsr-4050	450	4	w.	PERSON
fsr-4050	450	5	2024	CARDINAL
fsr-4050	452	1	23(2	CARDINAL
fsr-4050	453	1	44-65	DATE
fsr-4050	453	2	s. f.	PERSON
fsr-4050	453	3	chan	ORG
fsr-4050	453	4	d. k. s.	PERSON
fsr-4050	453	5	z. s. y.	PERSON
fsr-4050	453	6	1999	DATE
fsr-4050	455	1	587–612	CARDINAL
fsr-4050	456	1	https://doi.org/10.1177/00139169921972254 chin	PERSON
fsr-4050	456	2	w. w.	PERSON
fsr-4050	456	3	1998	DATE
fsr-4050	458	1	quarterly	DATE
fsr-4050	459	1	cole	PRODUCT
fsr-4050	459	2	h. l.	PERSON
fsr-4050	459	3	g. j., & postlewaite, a.	PERSON
fsr-4050	459	4	1992	DATE
fsr-4050	461	1	100(6	CARDINAL
fsr-4050	461	2	1092	CARDINAL
fsr-4050	461	3	1125	CARDINAL
fsr-4050	462	1	conner	PERSON
fsr-4050	462	2	m., & armitage	ORG
fsr-4050	462	3	c. j.	PERSON
fsr-4050	462	4	1998	DATE
fsr-4050	464	1	https://doi.org/10.1016/j.paid.2022.111854 https://doi.org/10.1111/joca.12199 https://www.philadelphiafed.org/-/media/frbp/assets/events/2017/consumer-finance/fintech-2017/day-2/does-fintech-affect-household-saving-behavior.pdf https://www.philadelphiafed.org/-/media/frbp/assets/events/2017/consumer-finance/fintech-2017/day-2/does-fintech-affect-household-saving-behavior.pdf https://www.philadelphiafed.org/-/media/frbp/assets/events/2017/consumer-finance/fintech-2017/day-2/does-fintech-affect-household-saving-behavior.pdf https://www.philadelphiafed.org/-/media/frbp/assets/events/2017/consumer-finance/fintech-2017/day-2/does-fintech-affect-household-saving-behavior.pdf	ORG
fsr-4050	464	2	chen et al	PERSON
fsr-4050	464	3	41	CARDINAL
fsr-4050	464	4	1429	CARDINAL
fsr-4050	464	5	1464	CARDINAL
fsr-4050	465	1	m., & sparks	ORG
fsr-4050	465	2	2005	DATE
fsr-4050	467	1	m. conner & p. norman	ORG
fsr-4050	467	2	2nd	ORDINAL
fsr-4050	468	1	121–162	CARDINAL
fsr-4050	470	1	daqar	GPE
fsr-4050	470	2	m. a. m. a.	PERSON
fsr-4050	470	3	s., & karsh	ORG
fsr-4050	470	4	s. a.	PERSON
fsr-4050	470	5	2020	DATE
fsr-4050	471	1	fintech	ORG
fsr-4050	472	1	15(3	CARDINAL
fsr-4050	472	2	20-28	CARDINAL
fsr-4050	473	1	3 davis	PERCENT
fsr-4050	473	2	f. d.	PERSON
fsr-4050	473	3	1989	DATE
fsr-4050	475	1	quarterly	DATE
fsr-4050	475	2	13(3	CARDINAL
fsr-4050	475	3	319–340	CARDINAL
fsr-4050	476	1	davis	PERSON
fsr-4050	476	2	f. d.	PERSON
fsr-4050	476	3	r. p.	PERSON
fsr-4050	476	4	1989	DATE
fsr-4050	477	1	two	CARDINAL
fsr-4050	478	1	35(8	DATE
fsr-4050	478	2	982-1003	CARDINAL
fsr-4050	479	1	https://doi.org/10.1287/mnsc.35.8.982 demirgüç-kunt	PERSON
fsr-4050	479	2	d.	NORP
fsr-4050	479	3	ansar, s., & hess	ORG
fsr-4050	479	4	j. (	ORG
fsr-4050	479	5	2018	DATE
fsr-4050	480	1	2017	CARDINAL
fsr-4050	481	1	world bank	ORG
fsr-4050	481	2	demirgüç-kunt	PERSON
fsr-4050	481	3	d., & ansar	ORG
fsr-4050	481	4	s.	PERSON
fsr-4050	481	5	2022	CARDINAL
fsr-4050	482	1	2021	CARDINAL
fsr-4050	482	2	world bank	ORG
fsr-4050	483	1	despard	PERSON
fsr-4050	483	2	m. r.	PERSON
fsr-4050	483	3	friedline	GPE
fsr-4050	483	4	t., & martin-west	ORG
fsr-4050	483	5	2020	DATE
fsr-4050	486	1	41	CARDINAL
fsr-4050	486	2	542	CARDINAL
fsr-4050	487	1	m., & roll	ORG
fsr-4050	487	2	s.	PERSON
fsr-4050	487	3	2024	CARDINAL
fsr-4050	488	1	covid-19	DATE
fsr-4050	489	1	157	CARDINAL
fsr-4050	490	1	devaney	PERSON
fsr-4050	490	2	s. a.	PERSON
fsr-4050	490	3	anong	ORG
fsr-4050	490	4	s. t., &	PERSON
fsr-4050	490	5	s. e.	PERSON
fsr-4050	490	6	2007	DATE
fsr-4050	492	1	41(1	ORG
fsr-4050	492	2	174	CARDINAL
fsr-4050	493	1	e., & saez	ORG
fsr-4050	493	2	2003	DATE
fsr-4050	495	1	quarterly	DATE
fsr-4050	495	2	118(3	DATE
fsr-4050	495	3	815-842	CARDINAL
fsr-4050	496	1	l., & zhang	ORG
fsr-4050	496	2	2021	CARDINAL
fsr-4050	498	1	consumer sciences research journal	ORG
fsr-4050	498	2	49(4	DATE
fsr-4050	498	3	344	CARDINAL
fsr-4050	500	1	fdic	ORG
fsr-4050	500	2	2023	CARDINAL
fsr-4050	501	1	fdic	ORG
fsr-4050	501	2	96 percent	PERCENT
fsr-4050	501	3	u.s.	GPE
fsr-4050	501	4	2023	CARDINAL
fsr-4050	502	1	https://www.fdic.gov/news/pressreleases/2024/fdic-survey-finds-96-percentus-households-were-banked-2023	PERSON
fsr-4050	502	2	e.	GPE
fsr-4050	502	3	natarajan	GPE
fsr-4050	502	4	m.	PERSON
fsr-4050	502	5	2023	CARDINAL
fsr-4050	503	1	fintech	ORG
fsr-4050	504	1	world bank	ORG
fsr-4050	505	1	099450005162250110	DATE
fsr-4050	505	2	2021	CARDINAL
fsr-4050	507	1	2022	CARDINAL
fsr-4050	508	1	the united states	GPE
fsr-4050	508	2	the finra foundation national financial capability study	ORG
fsr-4050	509	1	fifth	ORDINAL
fsr-4050	509	2	a., & rossi	ORG
fsr-4050	509	3	a. g.	PERSON
fsr-4050	509	4	2024	CARDINAL
fsr-4050	511	1	79(3	CARDINAL
fsr-4050	511	2	1931-1976	DATE
fsr-4050	512	1	https://doi.org/10.1111/jofi.13339 george	PERSON
fsr-4050	512	2	j. f. (	PERSON
fsr-4050	512	3	2004	DATE
fsr-4050	514	1	http://dx.doi.org/10.21511/bbs.15(3).2020.03 http://dx.doi.org/10.21511/bbs.15(3).2020.03 https://doi.org/10.2307/249008	ORG
fsr-4050	514	2	https://www.fdic.gov/news/press-releases/2024/fdic-survey-finds-96-percent-us-households-were-banked-2023	ORG
fsr-4050	514	3	https://www.fdic.gov/news/press-releases/2024/fdic-survey-finds-96-percent-us-households-were-banked-2023	ORG
fsr-4050	514	4	https://www.fdic.gov/news/press-releases/2024/fdic-survey-finds-96-percent-us-households-were-banked-2023	ORG
fsr-4050	514	5	http://documents.worldbank.org/curated/en/099450005162250110/p17300600228b70070914b0b5edf26e2f9f http://documents.worldbank.org/curated/en/099450005162250110/p17300600228b70070914b0b5edf26e2f9f http://documents.worldbank.org/curated/en/099450005162250110/p17300600228b70070914b0b5edf26e2f9f	PERSON
fsr-4050	515	1	33(3	CARDINAL
fsr-4050	515	2	42	CARDINAL
fsr-4050	515	3	198–212	CARDINAL
fsr-4050	516	1	https://doi.org/10.1108/10662240410542634 gjertson	PERSON
fsr-4050	516	2	2016	DATE
fsr-4050	518	1	37	DATE
fsr-4050	518	2	1	CARDINAL
fsr-4050	519	1	1996	DATE
fsr-4050	521	1	american journal of health promotion	ORG
fsr-4050	521	2	11(2	CARDINAL
fsr-4050	521	3	87	CARDINAL
fsr-4050	522	1	p. m.	PERSON
fsr-4050	522	2	1999	DATE
fsr-4050	524	1	american	NORP
fsr-4050	524	2	54(7	CARDINAL
fsr-4050	524	3	493–503	CARDINAL
fsr-4050	525	1	guittierrez ramirez	PERSON
fsr-4050	525	2	d. l.	PERSON
fsr-4050	525	3	2023	CARDINAL
fsr-4050	526	1	mexico	GPE
fsr-4050	526	2	ireland	GPE
fsr-4050	526	3	dublin	GPE
fsr-4050	527	1	heckman	PERSON
fsr-4050	527	2	s., & hanna	ORG
fsr-4050	527	3	s. d.	PERSON
fsr-4050	527	4	2015	CARDINAL
fsr-4050	529	1	26(2	CARDINAL
fsr-4050	530	1	187	CARDINAL
fsr-4050	531	1	r., & cude	ORG
fsr-4050	531	2	b. j.	PERSON
fsr-4050	531	3	2016	CARDINAL
fsr-4050	533	1	27(1	CARDINAL
fsr-4050	533	2	3-19	CARDINAL
fsr-4050	534	1	http://dx.doi.org/10.1891/1052-3073.27.1.3 houts	PERSON
fsr-4050	534	2	c. r.	PERSON
fsr-4050	534	3	m. a.	PERSON
fsr-4050	534	4	2020	DATE
fsr-4050	536	1	775-800	CARDINAL
fsr-4050	537	1	https://doi.org/10.1111/joca.12288 hu	PERSON
fsr-4050	537	2	z.	PERSON
fsr-4050	537	3	ding, s.	PERSON
fsr-4050	537	4	li	PERSON
fsr-4050	537	5	s.	PERSON
fsr-4050	537	6	chen	PERSON
fsr-4050	537	7	s.	PERSON
fsr-4050	537	8	2019	DATE
fsr-4050	539	1	11(3	CARDINAL
fsr-4050	539	2	340	CARDINAL
fsr-4050	540	1	https://doi.org/10.3390/sym11030340 ismail	PERSON
fsr-4050	540	2	s.	PERSON
fsr-4050	540	3	faique	PERSON
fsr-4050	540	4	f. a.	PERSON
fsr-4050	540	5	m. h.	PERSON
fsr-4050	540	6	zain	PERSON
fsr-4050	540	7	z. m.	PERSON
fsr-4050	540	8	idris	PERSON
fsr-4050	540	9	n. h.	PERSON
fsr-4050	540	10	yazid	ORG
fsr-4050	540	11	z. a.	PERSON
fsr-4050	540	12	... & taib	ORG
fsr-4050	540	13	n. m.	PERSON
fsr-4050	540	14	2017	DATE
fsr-4050	542	1	23(5	CARDINAL
fsr-4050	542	2	4635-4639	DATE
fsr-4050	543	1	johnson	PERSON
fsr-4050	543	2	d., & widdows	ORG
fsr-4050	543	3	r.	PERSON
fsr-4050	543	4	1985	DATE
fsr-4050	545	1	the american council	ORG
fsr-4050	545	2	annual	DATE
fsr-4050	545	3	235	CARDINAL
fsr-4050	545	4	241	CARDINAL
fsr-4050	546	1	khan	GPE
fsr-4050	546	2	m. t. i.	PERSON
fsr-4050	546	3	liew	PERSON
fsr-4050	546	4	t. w.	PERSON
fsr-4050	546	5	& lee	PERSON
fsr-4050	546	6	2023	CARDINAL
fsr-4050	548	1	social sciences	ORG
fsr-4050	548	2	9(2	CARDINAL
fsr-4050	548	3	1-16	CARDINAL
fsr-4050	549	1	046 khandelwal	PERCENT
fsr-4050	549	2	r.	NORP
fsr-4050	549	3	kolte, a.	PERSON
fsr-4050	549	4	n., & sharma	ORG
fsr-4050	549	5	2022	CARDINAL
fsr-4050	551	1	26(2	CARDINAL
fsr-4050	551	2	172-180	CARDINAL
fsr-4050	552	1	leclerc	GPE
fsr-4050	552	2	k.	PERSON
fsr-4050	552	3	2012	DATE
fsr-4050	554	1	4(1	CARDINAL
fsr-4050	554	2	20	CARDINAL
fsr-4050	554	3	lee	PERSON
fsr-4050	554	4	s. k.	PERSON
fsr-4050	554	5	2019, november 3	DATE
fsr-4050	555	1	fintech	ORG
fsr-4050	555	2	nyu	ORG
fsr-4050	556	1	https://doi.org/10.2139/ssrn.3390777 leland	PERSON
fsr-4050	556	2	h. e.	PERSON
fsr-4050	556	3	1968	DATE
fsr-4050	558	1	quarterly	DATE
fsr-4050	558	2	465473	DATE
fsr-4050	559	1	https://doi.org/10.2307/1879518 lin	PERSON
fsr-4050	559	2	2022	CARDINAL
fsr-4050	560	1	31	DATE
fsr-4050	560	2	432	CARDINAL
fsr-4050	561	1	https://doi.org/10.1016/j.spc.2022.03.015 litman	PERSON
fsr-4050	561	2	l., robinson	PERSON
fsr-4050	561	3	j., & abberbock	ORG
fsr-4050	561	4	t.	GPE
fsr-4050	561	5	2017	CARDINAL
fsr-4050	563	1	433	CARDINAL
fsr-4050	566	1	https://nam04.safelinks.protection.outlook.com/?url=https%3a%2f%2fwww.cloudresearch.com%2fproducts%2fturkprime-mturk-toolkit%2f&data=04%7c01%7cying.chen%40ttu.edu%7ca410112eeaca452a014608d93807c571%7c178a51bf8b2049ffb65556245d5c173c%7c0%7c1%7c637602428307680992%7cunknown%7ctwfpbgzsb3d8eyjwijoimc4wljawmdailcjqijoiv2lumziilcjbtii6ik1hawwilcjxvci6mn0%3d%7c2000&sdata=9jyixphtbv5jb8yiuqwtbh98qso6efsgh4jbomp0fre%3d&reserved=0 chen et al	PERSON
fsr-4050	566	2	43	CARDINAL
fsr-4050	566	3	t. d.	NORP
fsr-4050	566	4	2024	CARDINAL
fsr-4050	568	1	guilford publications	ORG
fsr-4050	569	1	löwgren	GPE
fsr-4050	569	2	a.	PERSON
fsr-4050	569	3	2023	CARDINAL
fsr-4050	570	1	fintech	ORG
fsr-4050	570	2	fintech	ORG
fsr-4050	571	1	diva portal	ORG
fsr-4050	573	1	a.	PERSON
fsr-4050	573	2	n., & barbić	ORG
fsr-4050	573	3	2025	DATE
fsr-4050	575	1	international journal of bank	ORG
fsr-4050	575	2	43(2	CARDINAL
fsr-4050	575	3	239	CARDINAL
fsr-4050	576	1	a.	PERSON
fsr-4050	576	2	michaud	PERSON
fsr-4050	576	3	p. c.	PERSON
fsr-4050	576	4	o. s.	PERSON
fsr-4050	576	5	2017	CARDINAL
fsr-4050	578	1	125(2	CARDINAL
fsr-4050	578	2	431	CARDINAL
fsr-4050	579	1	magwegwe	PERSON
fsr-4050	579	2	f. m.	PERSON
fsr-4050	579	3	2021	CARDINAL
fsr-4050	581	1	116-130	CARDINAL
fsr-4050	582	1	https://doi.org/10.1891/jfcp-1900023 nicoletti	PERSON
fsr-4050	582	2	b.	GPE
fsr-4050	582	3	nicoletti	GPE
fsr-4050	582	4	w., & weis	ORG
fsr-4050	582	5	a.	PERSON
fsr-4050	582	6	2017	CARDINAL
fsr-4050	583	1	fintech	ORG
fsr-4050	585	1	m.	PERSON
fsr-4050	585	2	chan	GPE
fsr-4050	585	3	h. r.	PERSON
fsr-4050	585	4	chien	PERSON
fsr-4050	585	5	c. l.	PERSON
fsr-4050	585	6	2025	CARDINAL
fsr-4050	587	1	8(2	CARDINAL
fsr-4050	588	1	https://doi.org/10.1002/cfp2.70002	DATE
fsr-4050	588	2	m., & öhman	ORG
fsr-4050	588	3	2021	CARDINAL
fsr-4050	590	1	r. ho	PERSON
fsr-4050	590	2	a. h. h. ng	PERSON
fsr-4050	590	3	m. nourallah	PERSON
fsr-4050	590	4	1–15	ORDINAL
fsr-4050	592	1	m.	PERSON
fsr-4050	592	2	p., & hamati	ORG
fsr-4050	592	3	s.	PERSON
fsr-4050	592	4	2024	CARDINAL
fsr-4050	593	1	the european union	ORG
fsr-4050	594	1	global finance journal	ORG
fsr-4050	594	2	62, 101008	DATE
fsr-4050	595	1	j. c.	PERSON
fsr-4050	595	2	i. h.	PERSON
fsr-4050	595	3	1994	DATE
fsr-4050	596	1	3rd	ORDINAL
fsr-4050	597	1	new york	GPE
fsr-4050	597	2	ny	GPE
fsr-4050	597	3	mcgraw-hill	ORG
fsr-4050	598	1	omwansa	ORG
fsr-4050	598	2	t. k.	PERSON
fsr-4050	598	3	waema	GPE
fsr-4050	598	4	t. m.	PERSON
fsr-4050	598	5	chen	PERSON
fsr-4050	598	6	2013	DATE
fsr-4050	599	1	kenya	GPE
fsr-4050	600	1	african journal of science	ORG
fsr-4050	600	2	5(5	CARDINAL
fsr-4050	600	3	355	CARDINAL
fsr-4050	601	1	s. a.	PERSON
fsr-4050	601	2	t. m., & were	ORG
fsr-4050	601	3	2017	CARDINAL
fsr-4050	603	1	7(1	CARDINAL
fsr-4050	603	2	29	CARDINAL
fsr-4050	604	1	https://doi.org/10.1016/j.rdf.2017.01.001 paramita	PERSON
fsr-4050	604	2	r. s.	PERSON
fsr-4050	604	3	t. m.	PERSON
fsr-4050	604	4	m., & hartono	ORG
fsr-4050	604	5	2018	DATE
fsr-4050	606	1	9(7	CARDINAL
fsr-4050	606	2	733	CARDINAL
fsr-4050	607	1	peiris	ORG
fsr-4050	607	2	t. u. i.	PERSON
fsr-4050	607	3	2021	CARDINAL
fsr-4050	609	1	european journal of business and management research	ORG
fsr-4050	609	2	6(5	CARDINAL
fsr-4050	609	3	94-99	CARDINAL
fsr-4050	610	1	http://dx.doi.org/10.24018/ejbmr.2021.6 risman	ORG
fsr-4050	610	2	ali	PERSON
fsr-4050	610	3	a. j.	PERSON
fsr-4050	610	4	m., & siswanti	ORG
fsr-4050	610	5	i.	PERSON
fsr-4050	610	6	2022	CARDINAL
fsr-4050	612	1	indonesian	NORP
fsr-4050	612	2	13(1	CARDINAL
fsr-4050	612	3	91101	DATE
fsr-4050	613	1	https://doi.org/10.14414/tiar.v13i1.3213	NORP
fsr-4050	613	2	wagner iii	PERSON
fsr-4050	613	3	w. e., & gillespie	PERSON
fsr-4050	613	4	b. j.	PERSON
fsr-4050	613	5	2015	DATE
fsr-4050	616	1	luthfia	GPE
fsr-4050	616	2	s.	PERSON
fsr-4050	616	3	2021	CARDINAL
fsr-4050	617	1	indonesia	GPE
fsr-4050	618	1	2nd	ORDINAL
fsr-4050	619	1	263	CARDINAL
fsr-4050	619	2	samartha	GPE
fsr-4050	619	3	shenoy basthikar	PERSON
fsr-4050	619	4	s.	PERSON
fsr-4050	619	5	i. t.	PERSON
fsr-4050	619	6	r., & filip	ORG
fsr-4050	619	7	r. d.	PERSON
fsr-4050	619	8	2022	CARDINAL
fsr-4050	620	1	33(3	CARDINAL
fsr-4050	620	2	44	CARDINAL
fsr-4050	620	3	india	GPE
fsr-4050	621	1	14506	DATE
fsr-4050	622	1	sandrine	PERSON
fsr-4050	622	2	r., & alexandra	ORG
fsr-4050	622	3	2019	DATE
fsr-4050	624	1	273	CARDINAL
fsr-4050	625	1	n., & hadjidakis	ORG
fsr-4050	625	2	2018	DATE
fsr-4050	627	1	international journal of financial research	ORG
fsr-4050	627	2	9(2	CARDINAL
fsr-4050	627	3	122	CARDINAL
fsr-4050	628	1	https://doi.org/10.5430/ijfr.v9n2p122	CARDINAL
fsr-4050	628	2	k.	PERSON
fsr-4050	628	3	a., & sotiropoulos	ORG
fsr-4050	628	4	i.	PERSON
fsr-4050	628	5	2020	DATE
fsr-4050	629	1	bulgarian	NORP
fsr-4050	630	1	international journal of economics	ORG
fsr-4050	630	2	10(3	CARDINAL
fsr-4050	630	3	97	CARDINAL
fsr-4050	630	4	2016	CARDINAL
fsr-4050	631	1	fintech	ORG
fsr-4050	632	1	4(4	CARDINAL
fsr-4050	632	2	32	CARDINAL
fsr-4050	633	1	setiawan	PERSON
fsr-4050	633	2	m.	PERSON
fsr-4050	633	3	t.,	GPE
fsr-4050	633	4	dewi	GPE
fsr-4050	633	5	i., & sapulette	ORG
fsr-4050	633	6	m. s.	PERSON
fsr-4050	633	7	2022	CARDINAL
fsr-4050	635	1	31(4	CARDINAL
fsr-4050	635	2	320	CARDINAL
fsr-4050	636	1	142	CARDINAL
fsr-4050	636	2	s. p.,	PERSON
fsr-4050	636	3	2021	CARDINAL
fsr-4050	638	1	949	CARDINAL
fsr-4050	639	1	761	CARDINAL
fsr-4050	639	2	h. m.	PERSON
fsr-4050	639	3	r. h.	PERSON
fsr-4050	639	4	1988	DATE
fsr-4050	641	1	26(4	CARDINAL
fsr-4050	641	2	609-643	CARDINAL
fsr-4050	641	3	2004	DATE
fsr-4050	642	1	taiwan	GPE
fsr-4050	643	1	14(3	CARDINAL
fsr-4050	643	2	213	CARDINAL
fsr-4050	645	1	singh	GPE
fsr-4050	645	2	s.	GPE
fsr-4050	645	3	sahni	PERSON
fsr-4050	645	4	m. m.	PERSON
fsr-4050	645	5	r. k.	PERSON
fsr-4050	645	6	2020	DATE
fsr-4050	648	1	1675-1697	CARDINAL
fsr-4050	649	1	https://doi.org/10.1108/md-09-2019-1318 skinner	ORG
fsr-4050	649	2	j. (	PERSON
fsr-4050	649	3	1988	DATE
fsr-4050	651	1	journal of monetary economics	ORG
fsr-4050	651	2	22(2	CARDINAL
fsr-4050	651	3	237255	DATE
fsr-4050	652	1	j.	PERSON
fsr-4050	652	2	2021	CARDINAL
fsr-4050	654	1	39(1	CARDINAL
fsr-4050	654	2	5982	DATE
fsr-4050	655	1	https://doi.org/10.1111/coep.12477 strömbäck	PERSON
fsr-4050	655	2	k.	PERSON
fsr-4050	655	3	d., & tinghög	ORG
fsr-4050	655	4	2017	CARDINAL
fsr-4050	657	1	14	CARDINAL
fsr-4050	657	2	30	CARDINAL
fsr-4050	658	1	taber	PERSON
fsr-4050	658	2	k. s.	PERSON
fsr-4050	658	3	2018	DATE
fsr-4050	660	1	1273-1296	DATE
fsr-4050	661	1	n., & baker	ORG
fsr-4050	661	2	a.	PERSON
fsr-4050	661	3	2016	CARDINAL
fsr-4050	663	1	54	DATE
fsr-4050	663	2	164	CARDINAL
fsr-4050	664	1	https://doi.org/10.1016/j.joep.2016.04.005	CARDINAL
fsr-4050	664	2	a. v.	PERSON
fsr-4050	664	3	2020	DATE
fsr-4050	665	1	fintech	ORG
fsr-4050	666	1	41, 100833	DATE
fsr-4050	667	1	u.s.	GPE
fsr-4050	667	2	congress	ORG
fsr-4050	668	1	2021	CARDINAL
fsr-4050	669	1	s. 2600	PERSON
fsr-4050	670	1	https://www.congress.gov/bill/117thcongress/senate-bill/2600	CARDINAL
fsr-4050	670	2	davis	PERSON
fsr-4050	670	3	f. d.	PERSON
fsr-4050	670	4	2023	CARDINAL
fsr-4050	671	1	https://www.congress.gov/bill/117th-congress/senate-bill/2600 chen et al	PERSON
fsr-4050	672	1	45	CARDINAL
fsr-4050	673	1	international journal of information management	ORG
fsr-4050	673	2	71, 102644	DATE
fsr-4050	674	1	644	CARDINAL
fsr-4050	674	2	morris	PERSON
fsr-4050	674	3	m. g.	PERSON
fsr-4050	674	4	davis	PERSON
fsr-4050	674	5	g. b.	PERSON
fsr-4050	674	6	f. d.	PERSON
fsr-4050	674	7	2003	DATE
fsr-4050	676	1	quarterly	DATE
fsr-4050	676	2	425	CARDINAL
fsr-4050	677	1	i., & verbeke	ORG
fsr-4050	677	2	w.	PERSON
fsr-4050	677	3	2006	DATE
fsr-4050	679	1	19	CARDINAL
fsr-4050	679	2	169	CARDINAL
fsr-4050	680	1	https://doi.org/10.1007/s10806005-5485-3 wagner	PERSON
fsr-4050	680	2	j., & walstad	ORG
fsr-4050	680	3	w. b.	PERSON
fsr-4050	680	4	2019	DATE
fsr-4050	682	1	53(1	CARDINAL
fsr-4050	682	2	234	CARDINAL
fsr-4050	683	1	https://doi.org/10.1111/joca.12210 wang	PERSON
fsr-4050	683	2	j. s.	PERSON
fsr-4050	683	3	2021	CARDINAL
fsr-4050	684	1	7(1	DATE
fsr-4050	684	2	42	DATE
fsr-4050	685	1	https://doi.org/10.1186/s40854021-00260-2 widjaja	PERSON
fsr-4050	685	2	i.	GPE
fsr-4050	685	3	arifin, a., & setini	ORG
fsr-4050	685	4	2020	DATE
fsr-4050	687	1	3635-3642	DATE
fsr-4050	688	1	http://doi.org/10.5267/j.msl.2020.6.030 xiao	PERSON
fsr-4050	688	2	j. j.	PERSON
fsr-4050	688	3	j., & shim	ORG
fsr-4050	688	4	s. (2011	ORG
fsr-4050	690	1	239	CARDINAL
fsr-4050	691	1	https://doi.org/10.1509/jppm.30.2.239 yeo	PERSON
fsr-4050	691	2	j. h., & fisher	ORG
fsr-4050	691	3	2017	CARDINAL
fsr-4050	692	1	the united states	GPE
fsr-4050	693	1	journal of education & social policy	ORG
fsr-4050	693	2	7(1	CARDINAL
fsr-4050	693	3	80	CARDINAL
fsr-4050	694	1	33(3	CARDINAL
fsr-4050	694	2	46	CARDINAL
fsr-4050	694	3	at least 3 months	DATE
fsr-4050	694	4	1	CARDINAL
fsr-4050	694	5	7	CARDINAL
fsr-4050	695	1	ajzen	PERSON
fsr-4050	695	2	2006	DATE
fsr-4050	695	3	2020	DATE
fsr-4050	695	4	at least 3 months	DATE
fsr-4050	695	5	1	CARDINAL
fsr-4050	696	1	at least 3 months	DATE
fsr-4050	696	2	1	CARDINAL
fsr-4050	696	3	7	CARDINAL
fsr-4050	697	1	at least three months	DATE
fsr-4050	698	1	sn2	ORG
fsr-4050	699	1	at least 3 months	DATE
fsr-4050	701	1	at least three months	DATE
fsr-4050	702	1	at least three-month	CARDINAL
fsr-4050	703	1	mint	ORG
fsr-4050	703	2	quicken	ORG
fsr-4050	704	1	2021	CARDINAL
fsr-4050	706	1	johnson	PERSON
fsr-4050	706	2	1985	DATE
fsr-4050	706	3	monthly	DATE
fsr-4050	706	4	1%	PERCENT
fsr-4050	706	5	2%	PERCENT
fsr-4050	707	1	1 year	DATE
fsr-4050	708	1	houts	PERSON
fsr-4050	708	2	2020	DATE
fsr-4050	708	3	chen et al	PERSON
fsr-4050	709	1	47	CARDINAL
fsr-4050	710	1	20 years	DATE
fsr-4050	714	1	1000	MONEY
fsr-4050	714	2	less than $1000	MONEY
fsr-4050	716	1	15-year	DATE
fsr-4050	716	2	monthly	DATE
fsr-4050	716	3	30-year	DATE
fsr-4050	717	1	ob9	ORDINAL
fsr-4050	718	1	the united states	GPE
fsr-4050	719	1	ob10	PRODUCT
fsr-4050	719	2	3,000	MONEY
fsr-4050	720	1	30	MONEY
fsr-4050	720	2	each month	DATE
fsr-4050	721	1	12%	PERCENT
fsr-4050	721	2	1%	PERCENT
fsr-4050	724	1	finra	PERSON
fsr-4050	724	2	2021	CARDINAL