id	sid	eid	entity	type
fsr-4141	1	1	33(3	CARDINAL
fsr-4141	1	2	48	CARDINAL
fsr-4141	1	3	the european union	ORG
fsr-4141	1	4	mustafa	PERSON
fsr-4141	1	5	peter öhman3	PERSON
fsr-4141	3	1	the european union	ORG
fsr-4141	3	2	eurostat	ORG
fsr-4141	3	3	the years 2014	DATE
fsr-4141	3	4	2017	DATE
fsr-4141	3	5	2021	CARDINAL
fsr-4141	5	1	the european union	ORG
fsr-4141	6	1	4.0	CARDINAL
fsr-4141	6	2	diab	PERSON
fsr-4141	6	3	s.	GPE
fsr-4141	6	4	m. & öhman	ORG
fsr-4141	6	5	2025	CARDINAL
fsr-4141	7	1	the european union	ORG
fsr-4141	8	1	33(3	CARDINAL
fsr-4141	8	2	48-60	CARDINAL
fsr-4141	12	1	lee & persson	ORG
fsr-4141	12	2	2016	DATE
fsr-4141	14	1	1	CARDINAL
fsr-4141	14	2	lebanese	NORP
fsr-4141	14	3	american university	ORG
fsr-4141	14	4	beirut	GPE
fsr-4141	14	5	lebanon	GPE
fsr-4141	14	6	2 mustafa.nourallah@miun.se	TIME
fsr-4141	14	7	mid sweden university	ORG
fsr-4141	14	8	sweden	GPE
fsr-4141	14	9	3	CARDINAL
fsr-4141	14	10	mid sweden university	ORG
fsr-4141	14	11	sweden	GPE
fsr-4141	15	1	karaivanov & kessler	ORG
fsr-4141	15	2	2018	DATE
fsr-4141	15	3	blanc et al.	FAC
fsr-4141	15	4	2015	DATE
fsr-4141	16	1	between 2017 and 2021	CARDINAL
fsr-4141	16	2	the european union	ORG
fsr-4141	16	3	eu	ORG
fsr-4141	17	1	73.33%	PERCENT
fsr-4141	17	2	greece	GPE
fsr-4141	17	3	demirgüç	NORP
fsr-4141	17	4	2022	CARDINAL
fsr-4141	19	1	mailto:mustafa.nourallah@miun.se mailto:peter.ohman@miun.se	GPE
fsr-4141	19	2	diab et al	PERSON
fsr-4141	19	3	49	CARDINAL
fsr-4141	19	4	two	CARDINAL
fsr-4141	19	5	thaler & shefrin	ORG
fsr-4141	19	6	1981	DATE
fsr-4141	22	1	demirgüç-kunt et al	PERSON
fsr-4141	23	1	2022	CARDINAL
fsr-4141	23	2	european	NORP
fsr-4141	23	3	68%	PERCENT
fsr-4141	23	4	2011	DATE
fsr-4141	23	5	88%	PERCENT
fsr-4141	23	6	2021	CARDINAL
fsr-4141	24	1	two	CARDINAL
fsr-4141	24	2	first	ORDINAL
fsr-4141	24	3	second	ORDINAL
fsr-4141	26	1	2024	CARDINAL
fsr-4141	26	2	2023	CARDINAL
fsr-4141	27	1	eu	ORG
fsr-4141	27	2	eu	ORG
fsr-4141	28	1	one	CARDINAL
fsr-4141	28	2	al.	GPE
fsr-4141	28	3	2024	DATE
fsr-4141	30	1	eu	ORG
fsr-4141	31	1	2021	CARDINAL
fsr-4141	31	2	2021	CARDINAL
fsr-4141	32	1	eu	ORG
fsr-4141	37	1	hamid et al	PERSON
fsr-4141	38	1	2023	CARDINAL
fsr-4141	39	1	two	CARDINAL
fsr-4141	40	1	first	ORDINAL
fsr-4141	42	1	second	ORDINAL
fsr-4141	44	1	2022	CARDINAL
fsr-4141	46	1	section 2	LAW
fsr-4141	46	2	section 3	LAW
fsr-4141	47	1	section 4	LAW
fsr-4141	48	1	33(3	CARDINAL
fsr-4141	48	2	50	CARDINAL
fsr-4141	48	3	shefrin	PERSON
fsr-4141	48	4	1981	DATE
fsr-4141	49	1	two	CARDINAL
fsr-4141	50	1	two	CARDINAL
fsr-4141	51	1	2021	CARDINAL
fsr-4141	54	1	meyll	GPE
fsr-4141	54	2	walter	PERSON
fsr-4141	54	3	2019	DATE
fsr-4141	55	1	demirgüç	NORP
fsr-4141	55	2	2022	CARDINAL
fsr-4141	56	1	asebedo et al.	PERSON
fsr-4141	56	2	2019	DATE
fsr-4141	56	3	despard et al.	PERSON
fsr-4141	56	4	2020	DATE
fsr-4141	59	1	1996	DATE
fsr-4141	59	2	2009	DATE
fsr-4141	61	1	al.	GPE
fsr-4141	61	2	2024	DATE
fsr-4141	62	1	2022	CARDINAL
fsr-4141	63	1	2021	CARDINAL
fsr-4141	64	1	klara	PERSON
fsr-4141	64	2	2023	CARDINAL
fsr-4141	65	1	xiao & tao	ORG
fsr-4141	65	2	2021	DATE
fsr-4141	67	1	brüggen et al.	ORG
fsr-4141	67	2	2017	DATE
fsr-4141	68	1	beckmann & kiesl-reiter	ORG
fsr-4141	68	2	2023	CARDINAL
fsr-4141	69	1	al.	GPE
fsr-4141	69	2	2024	DATE
fsr-4141	71	1	annual	DATE
fsr-4141	71	2	24	CARDINAL
fsr-4141	71	3	eu	ORG
fsr-4141	71	4	2014	DATE
fsr-4141	71	5	2017	DATE
fsr-4141	71	6	2021	CARDINAL
fsr-4141	71	7	diab et al	PERSON
fsr-4141	71	8	51	CARDINAL
fsr-4141	72	1	luxembourg	GPE
fsr-4141	72	2	slovenia	GPE
fsr-4141	72	3	the slovak republic	GPE
fsr-4141	74	1	the world bank	ORG
fsr-4141	74	2	bfi	ORG
fsr-4141	74	3	demirgüç	NORP
fsr-4141	74	4	2022	CARDINAL
fsr-4141	75	1	the world bank	ORG
fsr-4141	75	2	2024	DATE
fsr-4141	76	1	2024	DATE
fsr-4141	77	1	billions	CARDINAL
fsr-4141	77	2	two	CARDINAL
fsr-4141	78	1	eurostat	ORG
fsr-4141	78	2	n.d.	GPE
fsr-4141	79	1	the unesco institute for statistics	ORG
fsr-4141	79	2	n.d.	GPE
fsr-4141	81	1	2024	CARDINAL
fsr-4141	82	1	three	CARDINAL
fsr-4141	83	1	fwb	ORG
fsr-4141	83	2	two	CARDINAL
fsr-4141	83	3	18	DATE
fsr-4141	84	1	appendix	NORP
fsr-4141	85	1	two	CARDINAL
fsr-4141	86	1	bffi	GPE
fsr-4141	86	2	+ β1*debiti	GPE
fsr-4141	86	3	t + β2*savingi	DATE
fsr-4141	86	4	t + β4*bfii	GPE
fsr-4141	86	5	t + β7*gdpi	DATE
fsr-4141	86	6	t +	GPE
fsr-4141	86	7	bffi	GPE
fsr-4141	86	8	savingi	ORG
fsr-4141	86	9	bfii	ORG
fsr-4141	86	10	fwbi	GPE
fsr-4141	87	1	hausman	PERSON
fsr-4141	87	2	5%	PERCENT
fsr-4141	87	3	0.5525	CARDINAL
fsr-4141	87	4	0.05	CARDINAL
fsr-4141	91	1	5%	PERCENT
fsr-4141	91	2	0.05	CARDINAL
fsr-4141	92	1	ramsey	PERSON
fsr-4141	93	1	5%	PERCENT
fsr-4141	93	2	0.3267	CARDINAL
fsr-4141	93	3	0.05	CARDINAL
fsr-4141	95	1	ols	ORG
fsr-4141	97	1	33(3	CARDINAL
fsr-4141	97	2	52	CARDINAL
fsr-4141	97	3	2021	CARDINAL
fsr-4141	97	4	2014	DATE
fsr-4141	97	5	24	CARDINAL
fsr-4141	97	6	1	CARDINAL
fsr-4141	98	1	between 2014 and	DATE
fsr-4141	98	2	2021	CARDINAL
fsr-4141	98	3	austria	GPE
fsr-4141	98	4	belgium	GPE
fsr-4141	98	5	the czech republic	GPE
fsr-4141	99	1	2021	CARDINAL
fsr-4141	99	2	2014	DATE
fsr-4141	99	3	bulgaria	GPE
fsr-4141	99	4	denmark	GPE
fsr-4141	99	5	france	GPE
fsr-4141	99	6	germany	GPE
fsr-4141	99	7	greece	GPE
fsr-4141	99	8	malta	GPE
fsr-4141	99	9	poland	GPE
fsr-4141	101	1	1	CARDINAL
fsr-4141	101	2	age 15+	DATE
fsr-4141	101	3	1	CARDINAL
fsr-4141	101	4	age 15+	DATE
fsr-4141	101	5	24	CARDINAL
fsr-4141	101	6	the european union	ORG
fsr-4141	101	7	luxembourg	GPE
fsr-4141	101	8	slovenia	GPE
fsr-4141	101	9	the slovak republic	GPE
fsr-4141	101	10	between 2014	DATE
fsr-4141	101	11	2021	CARDINAL
fsr-4141	102	1	eurostat	ORG
fsr-4141	103	1	1	CARDINAL
fsr-4141	103	2	25th	ORDINAL
fsr-4141	103	3	first	ORDINAL
fsr-4141	103	4	75th	ORDINAL
fsr-4141	103	5	third	ORDINAL
fsr-4141	104	1	0.051 to	CARDINAL
fsr-4141	104	2	0.317	CARDINAL
fsr-4141	105	1	2	CARDINAL
fsr-4141	105	2	1	CARDINAL
fsr-4141	105	3	one	CARDINAL
fsr-4141	105	4	2)–(7	CARDINAL
fsr-4141	106	1	1	CARDINAL
fsr-4141	107	1	ols	ORG
fsr-4141	108	1	2	CARDINAL
fsr-4141	108	2	7	CARDINAL
fsr-4141	109	1	2	CARDINAL
fsr-4141	111	1	2)–(7	CARDINAL
fsr-4141	112	1	2021	CARDINAL
fsr-4141	114	1	2024	CARDINAL
fsr-4141	116	1	diab et al	PERSON
fsr-4141	116	2	53	CARDINAL
fsr-4141	117	1	zinman	PERSON
fsr-4141	117	2	2015	CARDINAL
fsr-4141	118	1	1	CARDINAL
fsr-4141	119	1	first	ORDINAL
fsr-4141	119	2	third	ORDINAL
fsr-4141	119	3	0.051	CARDINAL
fsr-4141	119	4	0.149	MONEY
fsr-4141	119	5	0.198 0.317	CARDINAL
fsr-4141	119	6	0.801	CARDINAL
fsr-4141	119	7	0.565	CARDINAL
fsr-4141	119	8	0.422	CARDINAL
fsr-4141	119	9	2.230	MONEY
fsr-4141	119	10	0.253 3.738	CARDINAL
fsr-4141	119	11	0.538	CARDINAL
fsr-4141	119	12	0.444	CARDINAL
fsr-4141	119	13	0.374	CARDINAL
fsr-4141	119	14	4.190	MONEY
fsr-4141	119	15	0.010 3.998	CARDINAL
fsr-4141	119	16	11.020	CARDINAL
fsr-4141	119	17	19.754 20.650	CARDINAL
fsr-4141	120	1	114	CARDINAL
fsr-4141	120	2	0.145 0.347	MONEY
fsr-4141	120	3	bfi	ORG
fsr-4141	120	4	0.262	CARDINAL
fsr-4141	120	5	0.580 fwb	MONEY
fsr-4141	120	6	0.437 0.489	MONEY
fsr-4141	120	7	0.014	CARDINAL
fsr-4141	120	8	0.009	CARDINAL
fsr-4141	120	9	0.018 0.040 0.040 0.055 0.147	QUANTITY
fsr-4141	120	10	1	CARDINAL
fsr-4141	121	1	age 15+	DATE
fsr-4141	121	2	bfi	ORG
fsr-4141	121	3	fwb	ORG
fsr-4141	123	1	three	CARDINAL
fsr-4141	123	2	the years 2014	DATE
fsr-4141	123	3	2017	DATE
fsr-4141	123	4	2021	CARDINAL
fsr-4141	123	5	demirgüç	NORP
fsr-4141	123	6	2022	CARDINAL
fsr-4141	123	7	eurostat	ORG
fsr-4141	123	8	n.d.	GPE
fsr-4141	124	1	eu	ORG
fsr-4141	124	2	luxembourg	GPE
fsr-4141	124	3	slovenia	GPE
fsr-4141	124	4	the slovak republic.	GPE
fsr-4141	126	1	eu	ORG
fsr-4141	129	1	3	CARDINAL
fsr-4141	129	2	2	CARDINAL
fsr-4141	131	1	33(3	CARDINAL
fsr-4141	131	2	54	CARDINAL
fsr-4141	131	3	2	CARDINAL
fsr-4141	131	4	ols	ORG
fsr-4141	131	5	1	CARDINAL
fsr-4141	131	6	2	CARDINAL
fsr-4141	131	7	3	CARDINAL
fsr-4141	131	8	4	CARDINAL
fsr-4141	131	9	5	CARDINAL
fsr-4141	131	10	6	CARDINAL
fsr-4141	131	11	7	CARDINAL
fsr-4141	131	12	0.019	CARDINAL
fsr-4141	131	13	0.021	CARDINAL
fsr-4141	131	14	0.014	CARDINAL
fsr-4141	131	15	0.015	CARDINAL
fsr-4141	131	16	0.017	CARDINAL
fsr-4141	131	17	0.018	CARDINAL
fsr-4141	131	18	0.020	CARDINAL
fsr-4141	131	19	0.0058	CARDINAL
fsr-4141	131	20	0.0080	CARDINAL
fsr-4141	131	21	0.0066	CARDINAL
fsr-4141	131	22	0.0069	CARDINAL
fsr-4141	131	23	0.0073	CARDINAL
fsr-4141	131	24	0.0076	CARDINAL
fsr-4141	131	25	0.0072	CARDINAL
fsr-4141	131	26	0.154	CARDINAL
fsr-4141	131	27	0.189	CARDINAL
fsr-4141	131	28	0.186	CARDINAL
fsr-4141	131	29	0.0592	CARDINAL
fsr-4141	131	30	0.0527	CARDINAL
fsr-4141	131	31	0.0646)	MONEY
fsr-4141	131	32	0.0653)	MONEY
fsr-4141	131	33	0.0785	CARDINAL
fsr-4141	131	34	0.00007	CARDINAL
fsr-4141	131	35	0.00028	CARDINAL
fsr-4141	131	36	0.00037	CARDINAL
fsr-4141	131	37	0.00017	CARDINAL
fsr-4141	131	38	0.0006	CARDINAL
fsr-4141	131	39	0.0010	CARDINAL
fsr-4141	131	40	0.0010	CARDINAL
fsr-4141	131	41	0.0011	CARDINAL
fsr-4141	131	42	0.0010	CARDINAL
fsr-4141	131	43	bfi 0.152	PERSON
fsr-4141	131	44	0.0716	CARDINAL
fsr-4141	131	45	0.0816	MONEY
fsr-4141	131	46	0.016	CARDINAL
fsr-4141	131	47	0.0294	CARDINAL
fsr-4141	131	48	0.0936	ORG
fsr-4141	131	49	0.0964	CARDINAL
fsr-4141	131	50	0.0916	CARDINAL
fsr-4141	131	51	1.122	CARDINAL
fsr-4141	131	52	0.946	CARDINAL
fsr-4141	131	53	0.5120	CARDINAL
fsr-4141	131	54	0.5070	CARDINAL
fsr-4141	131	55	0.410	CARDINAL
fsr-4141	131	56	0.363	CARDINAL
fsr-4141	131	57	0.1940	CARDINAL
fsr-4141	131	58	0.2280	CARDINAL
fsr-4141	131	59	0.258	CARDINAL
fsr-4141	131	60	0.174	CARDINAL
fsr-4141	131	61	0.245	CARDINAL
fsr-4141	131	62	0.245	CARDINAL
fsr-4141	131	63	0.240	CARDINAL
fsr-4141	131	64	0.262	CARDINAL
fsr-4141	131	65	0.0110	CARDINAL
fsr-4141	131	66	0.0217	CARDINAL
fsr-4141	131	67	0.0225	MONEY
fsr-4141	131	68	0.0473	MONEY
fsr-4141	131	69	0.0446	MONEY
fsr-4141	132	1	71	CARDINAL
fsr-4141	132	2	0.392	CARDINAL
fsr-4141	132	3	0.110	MONEY
fsr-4141	132	4	0.321	MONEY
fsr-4141	132	5	24	CARDINAL
fsr-4141	132	6	24 24	DATE
fsr-4141	132	7	2	CARDINAL
fsr-4141	133	1	1	CARDINAL
fsr-4141	134	1	2)–(7	CARDINAL
fsr-4141	134	2	one	CARDINAL
fsr-4141	135	1	three	CARDINAL
fsr-4141	135	2	the years 2014	DATE
fsr-4141	135	3	2017	DATE
fsr-4141	135	4	2021	CARDINAL
fsr-4141	135	5	demirgüç	NORP
fsr-4141	135	6	2022	CARDINAL
fsr-4141	135	7	eurostat	ORG
fsr-4141	135	8	n.d.	GPE
fsr-4141	136	1	eu	ORG
fsr-4141	136	2	luxembourg	GPE
fsr-4141	136	3	slovenia	GPE
fsr-4141	136	4	the slovak republic	GPE
fsr-4141	138	1	1%	PERCENT
fsr-4141	138	2	5%	PERCENT
fsr-4141	138	3	10%	PERCENT
fsr-4141	140	1	1	CARDINAL
fsr-4141	142	1	diab et al	PERSON
fsr-4141	143	1	55	CARDINAL
fsr-4141	143	2	3	CARDINAL
fsr-4141	144	1	ols	ORG
fsr-4141	144	2	1	CARDINAL
fsr-4141	144	3	2	CARDINAL
fsr-4141	144	4	0.021	CARDINAL
fsr-4141	144	5	0.022	CARDINAL
fsr-4141	144	6	0.0059	CARDINAL
fsr-4141	144	7	0.0073	CARDINAL
fsr-4141	144	8	0.242	CARDINAL
fsr-4141	144	9	0.205	CARDINAL
fsr-4141	144	10	0.0610	ORG
fsr-4141	144	11	0.0827	MONEY
fsr-4141	144	12	0.103	CARDINAL
fsr-4141	144	13	0.153	CARDINAL
fsr-4141	144	14	0.0913	CARDINAL
fsr-4141	144	15	0.1180) bfi 0.158	MONEY
fsr-4141	144	16	0.149	CARDINAL
fsr-4141	144	17	0.0759	CARDINAL
fsr-4141	144	18	0.0885) fwb	MONEY
fsr-4141	144	19	0.0157	CARDINAL
fsr-4141	144	20	0.0273	CARDINAL
fsr-4141	144	21	0.0924	CARDINAL
fsr-4141	144	22	1.083	CARDINAL
fsr-4141	144	23	0.880	CARDINAL
fsr-4141	144	24	0.5151	CARDINAL
fsr-4141	144	25	0.4970	CARDINAL
fsr-4141	144	26	0.479	CARDINAL
fsr-4141	144	27	0.424	CARDINAL
fsr-4141	144	28	0.2080	CARDINAL
fsr-4141	144	29	0.2321	CARDINAL
fsr-4141	144	30	0.255	CARDINAL
fsr-4141	144	31	0.253	CARDINAL
fsr-4141	144	32	0.0349	CARDINAL
fsr-4141	144	33	0.0442	MONEY
fsr-4141	144	34	71 71	DATE
fsr-4141	144	35	0.396	MONEY
fsr-4141	144	36	24 24	DATE
fsr-4141	144	37	3	CARDINAL
fsr-4141	144	38	2	CARDINAL
fsr-4141	144	39	1	CARDINAL
fsr-4141	145	1	2	CARDINAL
fsr-4141	146	1	three	CARDINAL
fsr-4141	146	2	the years 2014	DATE
fsr-4141	146	3	2017	DATE
fsr-4141	146	4	2021	CARDINAL
fsr-4141	146	5	demirgüç	NORP
fsr-4141	146	6	2022	CARDINAL
fsr-4141	146	7	eurostat	ORG
fsr-4141	146	8	n.d.	GPE
fsr-4141	147	1	eu	ORG
fsr-4141	147	2	luxembourg	GPE
fsr-4141	147	3	slovenia	GPE
fsr-4141	147	4	the slovak republic	GPE
fsr-4141	149	1	1%	PERCENT
fsr-4141	149	2	5%	PERCENT
fsr-4141	149	3	10%	PERCENT
fsr-4141	151	1	1	CARDINAL
fsr-4141	153	1	two	CARDINAL
fsr-4141	154	1	3	CARDINAL
fsr-4141	158	1	4	CARDINAL
fsr-4141	158	2	3	CARDINAL
fsr-4141	159	1	3	CARDINAL
fsr-4141	159	2	bfi	ORG
fsr-4141	160	1	33(3	CARDINAL
fsr-4141	160	2	56	CARDINAL
fsr-4141	160	3	4	CARDINAL
fsr-4141	161	1	ols	ORG
fsr-4141	161	2	1	CARDINAL
fsr-4141	161	3	2	CARDINAL
fsr-4141	161	4	0.023	CARDINAL
fsr-4141	161	5	0.025	CARDINAL
fsr-4141	161	6	0.0092	CARDINAL
fsr-4141	161	7	0.0118	CARDINAL
fsr-4141	161	8	0.0078 0.0084	CARDINAL
fsr-4141	161	9	0.0089	ORG
fsr-4141	161	10	0.0112	CARDINAL
fsr-4141	161	11	0.250	CARDINAL
fsr-4141	161	12	0.216	CARDINAL
fsr-4141	161	13	0.0870	CARDINAL
fsr-4141	161	14	0.069	CARDINAL
fsr-4141	161	15	0.117	CARDINAL
fsr-4141	161	16	0.1240	CARDINAL
fsr-4141	161	17	0.131	MONEY
fsr-4141	161	18	0.0934) fwb	MONEY
fsr-4141	161	19	0.0016	CARDINAL
fsr-4141	161	20	0.0104	CARDINAL
fsr-4141	161	21	0.0945	CARDINAL
fsr-4141	161	22	1.074	CARDINAL
fsr-4141	161	23	0.913	CARDINAL
fsr-4141	161	24	0.5261	CARDINAL
fsr-4141	161	25	0.5069) gdp	MONEY
fsr-4141	161	26	0.492	CARDINAL
fsr-4141	161	27	0.457	CARDINAL
fsr-4141	161	28	0.2179	CARDINAL
fsr-4141	161	29	0.2390) constant	MONEY
fsr-4141	161	30	0.253	CARDINAL
fsr-4141	161	31	0.252	CARDINAL
fsr-4141	161	32	0.0355	CARDINAL
fsr-4141	161	33	0.0446	CARDINAL
fsr-4141	161	34	68 68	CARDINAL
fsr-4141	161	35	0.388 0.384	MONEY
fsr-4141	161	36	23 23	CARDINAL
fsr-4141	161	37	4	CARDINAL
fsr-4141	162	1	1	CARDINAL
fsr-4141	163	1	2	CARDINAL
fsr-4141	164	1	three	CARDINAL
fsr-4141	164	2	the years 2014	DATE
fsr-4141	164	3	2017	DATE
fsr-4141	164	4	2021	CARDINAL
fsr-4141	164	5	demirgüç	NORP
fsr-4141	164	6	2022	CARDINAL
fsr-4141	164	7	eurostat	ORG
fsr-4141	164	8	n.d.	GPE
fsr-4141	165	1	eu	ORG
fsr-4141	165	2	luxembourg	GPE
fsr-4141	165	3	slovenia	GPE
fsr-4141	165	4	the slovak republic	GPE
fsr-4141	166	1	three	CARDINAL
fsr-4141	166	2	france	GPE
fsr-4141	168	1	1%	PERCENT
fsr-4141	168	2	5%	PERCENT
fsr-4141	168	3	10%	PERCENT
fsr-4141	170	1	1	CARDINAL
fsr-4141	172	1	2021	CARDINAL
fsr-4141	173	1	karaivanov & kessler	ORG
fsr-4141	173	2	2018	DATE
fsr-4141	174	1	2014	DATE
fsr-4141	174	2	2017	DATE
fsr-4141	174	3	2021	CARDINAL
fsr-4141	176	1	the european central bank	ORG
fsr-4141	176	2	2024	CARDINAL
fsr-4141	176	3	54%	PERCENT
fsr-4141	176	4	the first half of 2023	DATE
fsr-4141	178	1	diab et al	PERSON
fsr-4141	178	2	57	CARDINAL
fsr-4141	180	1	2021	CARDINAL
fsr-4141	184	1	d’acunto & rossi	ORG
fsr-4141	184	2	2023	CARDINAL
fsr-4141	185	1	1996	DATE
fsr-4141	185	2	2009	DATE
fsr-4141	186	1	2020	DATE
fsr-4141	189	1	one	CARDINAL
fsr-4141	190	1	2023	CARDINAL
fsr-4141	192	1	the last 12 months	DATE
fsr-4141	196	1	2021	CARDINAL
fsr-4141	197	1	the past two decades	DATE
fsr-4141	197	2	lusardi & mitchell	ORG
fsr-4141	197	3	2023	CARDINAL
fsr-4141	199	1	asebedo	PERSON
fsr-4141	199	2	s. d.	PERSON
fsr-4141	199	3	wilmarth	GPE
fsr-4141	199	4	m. j.	PERSON
fsr-4141	199	5	m. c.	PERSON
fsr-4141	199	6	k.	PERSON
fsr-4141	199	7	g. l.	PERSON
fsr-4141	199	8	m. (	PERSON
fsr-4141	199	9	2019	DATE
fsr-4141	201	1	53(2	CARDINAL
fsr-4141	201	2	488–519	CARDINAL
fsr-4141	202	1	bachas	GPE
fsr-4141	202	2	higgins	PERSON
fsr-4141	202	3	s., & seira	ORG
fsr-4141	202	4	2021	CARDINAL
fsr-4141	204	1	1913	DATE
fsr-4141	204	2	1957	DATE
fsr-4141	205	1	https://doi.org/10.1111/jofi.13021 beckmann	PERSON
fsr-4141	205	2	e., & kiesl-reiter	ORG
fsr-4141	205	3	s.	PERSON
fsr-4141	205	4	2023	CARDINAL
fsr-4141	206	1	eastern europe	LOC
fsr-4141	207	1	1(2	CARDINAL
fsr-4141	207	2	263–367	CARDINAL
fsr-4141	208	1	l. j.	PERSON
fsr-4141	208	2	porpiglia	GPE
fsr-4141	208	3	a.	PERSON
fsr-4141	208	4	j., & ziegelmeyer	ORG
fsr-4141	208	5	2015	DATE
fsr-4141	209	1	1790	DATE
fsr-4141	210	1	european central bank	ORG
fsr-4141	211	1	m., & lusardi	ORG
fsr-4141	211	2	a. (1996	ORG
fsr-4141	213	1	33(3	CARDINAL
fsr-4141	213	2	58	CARDINAL
fsr-4141	213	3	34(4	CARDINAL
fsr-4141	213	4	1797–1855	DATE
fsr-4141	213	5	brüggen	ORG
fsr-4141	213	6	e. c.	PERSON
fsr-4141	213	7	j.	PERSON
fsr-4141	213	8	m.	PERSON
fsr-4141	213	9	kabadayi	GPE
fsr-4141	213	10	s., & löfgren	ORG
fsr-4141	213	11	m. (	PERSON
fsr-4141	213	12	2017	CARDINAL
fsr-4141	215	1	journal of business research	ORG
fsr-4141	215	2	79	CARDINAL
fsr-4141	215	3	228–237	CARDINAL
fsr-4141	216	1	a. g.	PERSON
fsr-4141	216	2	2023	CARDINAL
fsr-4141	218	1	annual	DATE
fsr-4141	218	2	15(1	CARDINAL
fsr-4141	218	3	543–563	CARDINAL
fsr-4141	219	1	demirgüç-kunt	PERSON
fsr-4141	219	2	d., & ansar	ORG
fsr-4141	219	3	s.	PERSON
fsr-4141	219	4	2022	CARDINAL
fsr-4141	220	1	2021	CARDINAL
fsr-4141	221	1	the world bank	ORG
fsr-4141	222	1	despard	PERSON
fsr-4141	222	2	m. r.	PERSON
fsr-4141	222	3	friedline	GPE
fsr-4141	222	4	t., & martin-west	ORG
fsr-4141	222	5	2020	DATE
fsr-4141	225	1	41	CARDINAL
fsr-4141	225	2	542–557	DATE
fsr-4141	226	1	eurostat	ORG
fsr-4141	227	1	n.d.	GPE
fsr-4141	228	1	eurostat	ORG
fsr-4141	229	1	hamid	PERSON
fsr-4141	229	2	f. s.	PERSON
fsr-4141	229	3	y. j., & chin	PERSON
fsr-4141	229	4	p. n.	PERSON
fsr-4141	229	5	2023	CARDINAL
fsr-4141	231	1	25(2	CARDINAL
fsr-4141	231	2	479–499	CARDINAL
fsr-4141	233	1	2024	CARDINAL
fsr-4141	235	1	https://data.imf.org/?sk=e5dcab7e-a5ca4892-a6ea-598b5463a34c kaiser	PERSON
fsr-4141	235	2	t.	GPE
fsr-4141	235	3	a.	GPE
fsr-4141	235	4	menkhoff	GPE
fsr-4141	235	5	l., & urban	ORG
fsr-4141	235	6	2022	CARDINAL
fsr-4141	237	1	journal of financial economics	ORG
fsr-4141	237	2	145(2	DATE
fsr-4141	237	3	255–272	CARDINAL
fsr-4141	238	1	karaivanov	GPE
fsr-4141	238	2	a., & kessler	ORG
fsr-4141	238	3	a.	PERSON
fsr-4141	238	4	2018	DATE
fsr-4141	240	1	european	NORP
fsr-4141	240	2	100–128	DATE
fsr-4141	241	1	lee	PERSON
fsr-4141	241	2	s., & persson	ORG
fsr-4141	241	3	2016	CARDINAL
fsr-4141	243	1	29(9	CARDINAL
fsr-4141	243	2	2341–2386	CARDINAL
fsr-4141	244	1	a., & yakoboski	ORG
fsr-4141	244	2	2021	CARDINAL
fsr-4141	246	1	mind & society	ORG
fsr-4141	246	2	20(2	CARDINAL
fsr-4141	246	3	181–187	CARDINAL
fsr-4141	246	4	a., & mitchell	ORG
fsr-4141	246	5	o. s.	PERSON
fsr-4141	246	6	2023	CARDINAL
fsr-4141	248	1	137–154	CARDINAL
fsr-4141	249	1	meyll	GPE
fsr-4141	249	2	t., & walter	ORG
fsr-4141	249	3	a.	PERSON
fsr-4141	249	4	2019	DATE
fsr-4141	251	1	28	CARDINAL
fsr-4141	251	2	381	CARDINAL
fsr-4141	251	3	387	CARDINAL
fsr-4141	251	4	m., & klara	ORG
fsr-4141	251	5	m.	PERSON
fsr-4141	251	6	2023	CARDINAL
fsr-4141	252	1	brics	GPE
fsr-4141	253	1	55(b	CARDINAL
fsr-4141	253	2	103956	DATE
fsr-4141	254	1	m., & öhman	ORG
fsr-4141	254	2	2021	CARDINAL
fsr-4141	256	1	r. ho	PERSON
fsr-4141	256	2	a. h. h. ng	PERSON
fsr-4141	256	3	m. nourallah	PERSON
fsr-4141	256	4	1–15	ORDINAL
fsr-4141	258	1	m.	PERSON
fsr-4141	258	2	p., & amin	ORG
fsr-4141	258	3	m.	PERSON
fsr-4141	258	4	2023	CARDINAL
fsr-4141	260	1	21(1	CARDINAL
fsr-4141	260	2	60–82	CARDINAL
fsr-4141	261	1	nourallah	PERSON
fsr-4141	261	2	m.	PERSON
fsr-4141	261	3	p., & hamati	ORG
fsr-4141	261	4	s.	PERSON
fsr-4141	261	5	2024	CARDINAL
fsr-4141	262	1	the european union	ORG
fsr-4141	263	1	global finance journal	ORG
fsr-4141	263	2	62, 101008	DATE
fsr-4141	264	1	j.	PERSON
fsr-4141	264	2	2023	CARDINAL
fsr-4141	266	1	90(3	CARDINAL
fsr-4141	266	2	1470–1498	CARDINAL
fsr-4141	267	1	thaler	PERSON
fsr-4141	267	2	r. h., & shefrin	ORG
fsr-4141	267	3	h. m.	PERSON
fsr-4141	267	4	1981	DATE
fsr-4141	269	1	392–406	CARDINAL
fsr-4141	270	1	the european central bank	ORG
fsr-4141	271	1	2024	CARDINAL
fsr-4141	272	1	first half	DATE
fsr-4141	272	2	2023	CARDINAL
fsr-4141	273	1	european central bank	ORG
fsr-4141	275	1	https://doi.org/10.1146/annurev-financial-110921-013217	ORG
fsr-4141	275	2	https://doi.org/10.1146/annurev-financial-110921-013217	PRODUCT
fsr-4141	275	3	https://data.imf.org/?sk=e5dcab7e-a5ca-4892-a6ea-598b5463a34c https://data.imf.org/?sk=e5dcab7e-a5ca-4892-a6ea-598b5463a34c https://doi.org/10.1016/j.jfineco.2021.09.022 https://doi.org/10.1093/rfs/hhw031 https://doi.org/10.1007/s11299-020-00246-0	PERSON
fsr-4141	276	1	https://www.ecb.europa.eu/press/stats/paysec/html/ecb.pis2023~b28d791ed8.en.html	GPE
fsr-4141	276	2	https://www.ecb.europa.eu/press/stats/paysec/html/ecb.pis2023~b28d791ed8.en.html	GPE
fsr-4141	276	3	diab et al	PERSON
fsr-4141	276	4	59	CARDINAL
fsr-4141	276	5	the world bank	ORG
fsr-4141	277	1	2024	CARDINAL
fsr-4141	279	1	the world bank	ORG
fsr-4141	280	1	n.d.	GPE
fsr-4141	282	1	the world bank	ORG
fsr-4141	282	2	2009	DATE
fsr-4141	284	1	annual	DATE
fsr-4141	284	2	1(1	CARDINAL
fsr-4141	284	3	227–247	CARDINAL
fsr-4141	284	4	unesco institute for	ORG
fsr-4141	285	1	n.d.	GPE
fsr-4141	286	1	uis database	PERSON
fsr-4141	287	1	xiao	PERSON
fsr-4141	287	2	j. j.	PERSON
fsr-4141	287	3	2021	CARDINAL
fsr-4141	289	1	china finance review international	ORG
fsr-4141	289	2	1–25	CARDINAL
fsr-4141	289	3	j. (	ORG
fsr-4141	289	4	2015	CARDINAL
fsr-4141	291	1	annual	DATE
fsr-4141	291	2	7(1	DATE
fsr-4141	291	3	251–276	CARDINAL
fsr-4141	292	1	https://doi.org/10.1146/annurev-economics-080614-115640 https://doi.org/10.1146/annurev-economics-080614-115640 financial services	ORG
fsr-4141	292	2	33(3	CARDINAL
fsr-4141	292	3	60	CARDINAL
fsr-4141	292	4	age 15+	DATE
fsr-4141	292	5	the past year	DATE
fsr-4141	293	1	demirgüç-kunt et al.	PERSON
fsr-4141	293	2	2022	CARDINAL
fsr-4141	293	3	age 15+	DATE
fsr-4141	293	4	the past year	DATE
fsr-4141	294	1	demirgüç-kunt et al.	PERSON
fsr-4141	294	2	2022	CARDINAL
fsr-4141	294	3	age (%	PERCENT
fsr-4141	294	4	age 15+	DATE
fsr-4141	294	5	the past year	DATE
fsr-4141	295	1	demirgüç	NORP
fsr-4141	295	2	2022	CARDINAL
fsr-4141	295	3	age 15+	DATE
fsr-4141	295	4	the past year	DATE
fsr-4141	296	1	demirgüç-kunt et al.	PERSON
fsr-4141	296	2	2022	CARDINAL
fsr-4141	296	3	age 15+	DATE
fsr-4141	296	4	the past year	DATE
fsr-4141	298	1	n.d.	GPE
fsr-4141	300	1	n.d.	GPE
fsr-4141	300	2	15–24 years	DATE
fsr-4141	300	3	25–64 years	DATE
fsr-4141	300	4	last 12 months	DATE
fsr-4141	301	1	uis, n.d.	ORG
fsr-4141	302	1	unesco institute for statistics adult	ORG
fsr-4141	304	1	eurostat financial	ORG
fsr-4141	305	1	18	DATE
fsr-4141	305	2	18 to 64 years	DATE
fsr-4141	306	1	eurostat	ORG
fsr-4141	306	2	n.d.	GPE
fsr-4141	307	1	annual %	PERCENT
fsr-4141	307	2	annual	DATE
fsr-4141	307	3	annually	DATE
fsr-4141	308	1	the world bank	ORG
fsr-4141	308	2	n.d.	GPE
fsr-4141	308	3	annual	DATE
fsr-4141	309	1	midyear	DATE
fsr-4141	310	1	world bank	ORG
fsr-4141	310	2	n.d.	GPE