id	sid	tid	token	lemma	pos
fsr-4050	1	1	financial	financial	PROPN
fsr-4050	1	2	services	service	NOUN
fsr-4050	1	3	review	review	NOUN
fsr-4050	1	4	,	,	PUNCT
fsr-4050	1	5	33(3	33(3	NOUN
fsr-4050	1	6	)	)	PUNCT
fsr-4050	1	7	20	20	NUM
fsr-4050	1	8	from	from	ADP
fsr-4050	1	9	intention	intention	NOUN
fsr-4050	1	10	to	to	ADP
fsr-4050	1	11	adequate	adequate	ADJ
fsr-4050	1	12	emergency	emergency	NOUN
fsr-4050	1	13	fund	fund	NOUN
fsr-4050	1	14	savings	saving	NOUN
fsr-4050	1	15	through	through	ADP
fsr-4050	1	16	fintech	fintech	NOUN
fsr-4050	1	17	use	use	NOUN
fsr-4050	1	18	:	:	PUNCT
fsr-4050	1	19	evidence	evidence	NOUN
fsr-4050	1	20	from	from	ADP
fsr-4050	1	21	a	a	DET
fsr-4050	1	22	u.s	u.s	PROPN
fsr-4050	1	23	.	.	PROPN
fsr-4050	1	24	survey	survey	PROPN
fsr-4050	1	25	study	study	PROPN
fsr-4050	1	26	ying	ying	PROPN
fsr-4050	1	27	chen,1	chen,1	PROPN
fsr-4050	1	28	sarah	sarah	PROPN
fsr-4050	1	29	d.	d.	PROPN
fsr-4050	1	30	asebedo,2	asebedo,2	PROPN
fsr-4050	1	31	todd	todd	PROPN
fsr-4050	1	32	d.	d.	PROPN
fsr-4050	1	33	little	little	PROPN
fsr-4050	1	34	,	,	PUNCT
fsr-4050	1	35	3	3	NUM
fsr-4050	1	36	and	and	CCONJ
fsr-4050	1	37	weihong	weihong	NOUN
fsr-4050	1	38	ning4	ning4	NOUN
fsr-4050	2	1	abstract	abstract	ADJ
fsr-4050	2	2	this	this	DET
fsr-4050	2	3	study	study	NOUN
fsr-4050	2	4	applied	apply	VERB
fsr-4050	2	5	the	the	DET
fsr-4050	2	6	theory	theory	NOUN
fsr-4050	2	7	of	of	ADP
fsr-4050	2	8	planned	plan	VERB
fsr-4050	2	9	behavior	behavior	NOUN
fsr-4050	2	10	and	and	CCONJ
fsr-4050	2	11	technology	technology	NOUN
fsr-4050	2	12	adoption	adoption	NOUN
fsr-4050	2	13	models	model	NOUN
fsr-4050	2	14	to	to	PART
fsr-4050	2	15	investigate	investigate	VERB
fsr-4050	2	16	consumers	consumer	NOUN
fsr-4050	2	17	'	'	PART
fsr-4050	2	18	adequate	adequate	ADJ
fsr-4050	2	19	emergency	emergency	NOUN
fsr-4050	2	20	fund	fund	NOUN
fsr-4050	2	21	savings	saving	NOUN
fsr-4050	2	22	through	through	ADP
fsr-4050	2	23	the	the	DET
fsr-4050	2	24	intention	intention	NOUN
fsr-4050	2	25	to	to	PART
fsr-4050	2	26	use	use	VERB
fsr-4050	2	27	fintech	fintech	NOUN
fsr-4050	2	28	to	to	PART
fsr-4050	2	29	save	save	VERB
fsr-4050	2	30	and	and	CCONJ
fsr-4050	2	31	actual	actual	ADJ
fsr-4050	2	32	fintech	fintech	NOUN
fsr-4050	2	33	use	use	NOUN
fsr-4050	2	34	.	.	PUNCT
fsr-4050	3	1	a	a	DET
fsr-4050	3	2	structural	structural	ADJ
fsr-4050	3	3	equation	equation	NOUN
fsr-4050	3	4	model	model	NOUN
fsr-4050	3	5	with	with	ADP
fsr-4050	3	6	a	a	DET
fsr-4050	3	7	confirmatory	confirmatory	NOUN
fsr-4050	3	8	factor	factor	NOUN
fsr-4050	3	9	analysis	analysis	NOUN
fsr-4050	3	10	was	be	AUX
fsr-4050	3	11	employed	employ	VERB
fsr-4050	3	12	to	to	PART
fsr-4050	3	13	analyze	analyze	VERB
fsr-4050	3	14	primary	primary	ADJ
fsr-4050	3	15	data	datum	NOUN
fsr-4050	3	16	from	from	ADP
fsr-4050	3	17	a	a	DET
fsr-4050	3	18	sample	sample	NOUN
fsr-4050	3	19	of	of	ADP
fsr-4050	3	20	453	453	NUM
fsr-4050	3	21	u.s	u.s	PROPN
fsr-4050	3	22	.	.	PROPN
fsr-4050	3	23	respondents	respondent	NOUN
fsr-4050	3	24	collected	collect	VERB
fsr-4050	3	25	in	in	ADP
fsr-4050	3	26	july	july	PROPN
fsr-4050	3	27	2021	2021	NUM
fsr-4050	3	28	.	.	PUNCT
fsr-4050	4	1	the	the	DET
fsr-4050	4	2	results	result	NOUN
fsr-4050	4	3	show	show	VERB
fsr-4050	4	4	that	that	SCONJ
fsr-4050	4	5	attitudes	attitude	NOUN
fsr-4050	4	6	toward	toward	ADP
fsr-4050	4	7	adequate	adequate	ADJ
fsr-4050	4	8	emergency	emergency	NOUN
fsr-4050	4	9	fund	fund	NOUN
fsr-4050	4	10	savings	saving	NOUN
fsr-4050	4	11	were	be	AUX
fsr-4050	4	12	negatively	negatively	ADV
fsr-4050	4	13	associated	associate	VERB
fsr-4050	4	14	with	with	ADP
fsr-4050	4	15	the	the	DET
fsr-4050	4	16	intention	intention	NOUN
fsr-4050	4	17	to	to	PART
fsr-4050	4	18	use	use	VERB
fsr-4050	4	19	fintech	fintech	NOUN
fsr-4050	4	20	to	to	PART
fsr-4050	4	21	save	save	VERB
fsr-4050	4	22	.	.	PUNCT
fsr-4050	5	1	subjective	subjective	ADJ
fsr-4050	5	2	norms	norm	NOUN
fsr-4050	5	3	and	and	CCONJ
fsr-4050	5	4	perceived	perceive	VERB
fsr-4050	5	5	behavioral	behavioral	ADJ
fsr-4050	5	6	control	control	NOUN
fsr-4050	5	7	,	,	PUNCT
fsr-4050	5	8	respectively	respectively	ADV
fsr-4050	5	9	,	,	PUNCT
fsr-4050	5	10	were	be	AUX
fsr-4050	5	11	positively	positively	ADV
fsr-4050	5	12	associated	associate	VERB
fsr-4050	5	13	with	with	ADP
fsr-4050	5	14	the	the	DET
fsr-4050	5	15	intention	intention	NOUN
fsr-4050	5	16	to	to	PART
fsr-4050	5	17	use	use	VERB
fsr-4050	5	18	fintech	fintech	NOUN
fsr-4050	5	19	to	to	PART
fsr-4050	5	20	save	save	VERB
fsr-4050	5	21	.	.	PUNCT
fsr-4050	6	1	perceived	perceive	VERB
fsr-4050	6	2	behavioral	behavioral	ADJ
fsr-4050	6	3	control	control	NOUN
fsr-4050	6	4	showed	show	VERB
fsr-4050	6	5	a	a	DET
fsr-4050	6	6	positive	positive	ADJ
fsr-4050	6	7	direct	direct	ADJ
fsr-4050	6	8	relationship	relationship	NOUN
fsr-4050	6	9	with	with	ADP
fsr-4050	6	10	adequate	adequate	ADJ
fsr-4050	6	11	emergency	emergency	NOUN
fsr-4050	6	12	fund	fund	NOUN
fsr-4050	6	13	savings	saving	NOUN
fsr-4050	6	14	.	.	PUNCT
fsr-4050	7	1	intention	intention	NOUN
fsr-4050	7	2	to	to	PART
fsr-4050	7	3	use	use	VERB
fsr-4050	7	4	fintech	fintech	NOUN
fsr-4050	7	5	to	to	PART
fsr-4050	7	6	save	save	VERB
fsr-4050	7	7	showed	show	VERB
fsr-4050	7	8	positive	positive	ADJ
fsr-4050	7	9	relationships	relationship	NOUN
fsr-4050	7	10	with	with	ADP
fsr-4050	7	11	using	use	VERB
fsr-4050	7	12	saving	save	VERB
fsr-4050	7	13	apps	app	NOUN
fsr-4050	7	14	and	and	CCONJ
fsr-4050	7	15	websites	website	NOUN
fsr-4050	7	16	,	,	PUNCT
fsr-4050	7	17	respectively	respectively	ADV
fsr-4050	7	18	.	.	PUNCT
fsr-4050	8	1	however	however	ADV
fsr-4050	8	2	,	,	PUNCT
fsr-4050	8	3	only	only	ADV
fsr-4050	8	4	saving	save	VERB
fsr-4050	8	5	website	website	NOUN
fsr-4050	8	6	use	use	NOUN
fsr-4050	8	7	was	be	AUX
fsr-4050	8	8	positively	positively	ADV
fsr-4050	8	9	associated	associate	VERB
fsr-4050	8	10	with	with	ADP
fsr-4050	8	11	adequate	adequate	ADJ
fsr-4050	8	12	emergency	emergency	NOUN
fsr-4050	8	13	fund	fund	NOUN
fsr-4050	8	14	savings	saving	NOUN
fsr-4050	8	15	.	.	PUNCT
fsr-4050	9	1	the	the	DET
fsr-4050	9	2	results	result	NOUN
fsr-4050	9	3	suggest	suggest	VERB
fsr-4050	9	4	that	that	SCONJ
fsr-4050	9	5	the	the	DET
fsr-4050	9	6	intention	intention	NOUN
fsr-4050	9	7	to	to	PART
fsr-4050	9	8	use	use	VERB
fsr-4050	9	9	fintech	fintech	NOUN
fsr-4050	9	10	to	to	PART
fsr-4050	9	11	save	save	VERB
fsr-4050	9	12	and	and	CCONJ
fsr-4050	9	13	actual	actual	ADJ
fsr-4050	9	14	fintech	fintech	NOUN
fsr-4050	9	15	use	use	NOUN
fsr-4050	9	16	connect	connect	NOUN
fsr-4050	9	17	attitudes	attitude	NOUN
fsr-4050	9	18	,	,	PUNCT
fsr-4050	9	19	subjective	subjective	ADJ
fsr-4050	9	20	norms	norm	NOUN
fsr-4050	9	21	,	,	PUNCT
fsr-4050	9	22	and	and	CCONJ
fsr-4050	9	23	perceived	perceive	VERB
fsr-4050	9	24	behavioral	behavioral	ADJ
fsr-4050	9	25	control	control	NOUN
fsr-4050	9	26	with	with	ADP
fsr-4050	9	27	adequate	adequate	ADJ
fsr-4050	9	28	emergency	emergency	NOUN
fsr-4050	9	29	fund	fund	NOUN
fsr-4050	9	30	savings	saving	NOUN
fsr-4050	9	31	.	.	PUNCT
fsr-4050	10	1	the	the	DET
fsr-4050	10	2	findings	finding	NOUN
fsr-4050	10	3	shed	shed	VERB
fsr-4050	10	4	light	light	NOUN
fsr-4050	10	5	on	on	ADP
fsr-4050	10	6	empirical	empirical	ADJ
fsr-4050	10	7	evidence	evidence	NOUN
fsr-4050	10	8	in	in	ADP
fsr-4050	10	9	the	the	DET
fsr-4050	10	10	current	current	ADJ
fsr-4050	10	11	literature	literature	NOUN
fsr-4050	10	12	regarding	regard	VERB
fsr-4050	10	13	the	the	DET
fsr-4050	10	14	importance	importance	NOUN
fsr-4050	10	15	of	of	ADP
fsr-4050	10	16	intention	intention	NOUN
fsr-4050	10	17	to	to	PART
fsr-4050	10	18	use	use	VERB
fsr-4050	10	19	fintech	fintech	NOUN
fsr-4050	10	20	to	to	PART
fsr-4050	10	21	save	save	VERB
fsr-4050	10	22	.	.	PUNCT
fsr-4050	11	1	financial	financial	ADJ
fsr-4050	11	2	institutions	institution	NOUN
fsr-4050	11	3	,	,	PUNCT
fsr-4050	11	4	financial	financial	ADJ
fsr-4050	11	5	advisors	advisor	NOUN
fsr-4050	11	6	,	,	PUNCT
fsr-4050	11	7	and	and	CCONJ
fsr-4050	11	8	policymakers	policymaker	NOUN
fsr-4050	11	9	should	should	AUX
fsr-4050	11	10	be	be	AUX
fsr-4050	11	11	aware	aware	ADJ
fsr-4050	11	12	of	of	ADP
fsr-4050	11	13	the	the	DET
fsr-4050	11	14	significance	significance	NOUN
fsr-4050	11	15	of	of	ADP
fsr-4050	11	16	intention	intention	NOUN
fsr-4050	11	17	to	to	PART
fsr-4050	11	18	use	use	VERB
fsr-4050	11	19	fintech	fintech	NOUN
fsr-4050	11	20	and	and	CCONJ
fsr-4050	11	21	actual	actual	ADJ
fsr-4050	11	22	fintech	fintech	NOUN
fsr-4050	11	23	use	use	NOUN
fsr-4050	11	24	in	in	ADP
fsr-4050	11	25	households	household	NOUN
fsr-4050	11	26	'	'	PART
fsr-4050	11	27	savings	saving	NOUN
fsr-4050	11	28	behaviors	behavior	NOUN
fsr-4050	11	29	.	.	PUNCT
fsr-4050	12	1	creative	creative	ADJ
fsr-4050	12	2	commons	commons	PROPN
fsr-4050	12	3	license	license	NOUN
fsr-4050	12	4	this	this	DET
fsr-4050	12	5	work	work	NOUN
fsr-4050	12	6	is	be	AUX
fsr-4050	12	7	licensed	license	VERB
fsr-4050	12	8	under	under	ADP
fsr-4050	12	9	a	a	DET
fsr-4050	12	10	creative	creative	ADJ
fsr-4050	12	11	commons	common	NOUN
fsr-4050	12	12	attribution	attribution	NOUN
fsr-4050	12	13	-	-	PUNCT
fsr-4050	12	14	noncommercial	noncommercial	ADJ
fsr-4050	12	15	4.0	4.0	NUM
fsr-4050	12	16	license	license	NOUN
fsr-4050	12	17	recommended	recommend	VERB
fsr-4050	12	18	citation	citation	NOUN
fsr-4050	12	19	chen	chen	PROPN
fsr-4050	12	20	,	,	PUNCT
fsr-4050	12	21	y.	y.	PROPN
fsr-4050	12	22	,	,	PUNCT
fsr-4050	12	23	asebedo	asebedo	PROPN
fsr-4050	12	24	,	,	PUNCT
fsr-4050	12	25	s.	s.	PROPN
fsr-4050	12	26	d.	d.	PROPN
fsr-4050	12	27	,	,	PUNCT
fsr-4050	12	28	little	little	ADJ
fsr-4050	12	29	,	,	PUNCT
fsr-4050	12	30	t.	t.	PROPN
fsr-4050	12	31	d.	d.	PROPN
fsr-4050	12	32	,	,	PUNCT
fsr-4050	12	33	&	&	CCONJ
fsr-4050	12	34	ning	ning	PROPN
fsr-4050	12	35	,	,	PUNCT
fsr-4050	12	36	w.	w.	PROPN
fsr-4050	12	37	(	(	PUNCT
fsr-4050	12	38	2025	2025	NUM
fsr-4050	12	39	)	)	PUNCT
fsr-4050	12	40	.	.	PUNCT
fsr-4050	13	1	from	from	ADP
fsr-4050	13	2	intention	intention	NOUN
fsr-4050	13	3	to	to	ADP
fsr-4050	13	4	adequate	adequate	ADJ
fsr-4050	13	5	emergency	emergency	NOUN
fsr-4050	13	6	fund	fund	NOUN
fsr-4050	13	7	savings	saving	NOUN
fsr-4050	13	8	through	through	ADP
fsr-4050	13	9	fintech	fintech	NOUN
fsr-4050	13	10	use	use	NOUN
fsr-4050	13	11	:	:	PUNCT
fsr-4050	13	12	evidence	evidence	NOUN
fsr-4050	13	13	from	from	ADP
fsr-4050	13	14	a	a	DET
fsr-4050	13	15	u.s	u.s	PROPN
fsr-4050	13	16	.	.	PROPN
fsr-4050	13	17	survey	survey	PROPN
fsr-4050	13	18	study	study	NOUN
fsr-4050	13	19	.	.	PUNCT
fsr-4050	14	1	financial	financial	ADJ
fsr-4050	14	2	services	service	NOUN
fsr-4050	14	3	review	review	NOUN
fsr-4050	14	4	,	,	PUNCT
fsr-4050	14	5	33(3	33(3	NOUN
fsr-4050	14	6	)	)	PUNCT
fsr-4050	14	7	,	,	PUNCT
fsr-4050	14	8	20	20	NUM
fsr-4050	14	9	-	-	SYM
fsr-4050	14	10	47	47	NUM
fsr-4050	14	11	.	.	PUNCT
fsr-4050	15	1	introduction	introduction	NOUN
fsr-4050	15	2	the	the	DET
fsr-4050	15	3	unpreparedness	unpreparedness	NOUN
fsr-4050	15	4	for	for	ADP
fsr-4050	15	5	unexpected	unexpected	ADJ
fsr-4050	15	6	events	event	NOUN
fsr-4050	15	7	before	before	ADP
fsr-4050	15	8	the	the	DET
fsr-4050	15	9	covid-19	covid-19	PROPN
fsr-4050	15	10	pandemic	pandemic	ADJ
fsr-4050	15	11	(	(	PUNCT
fsr-4050	15	12	finra	finra	NOUN
fsr-4050	15	13	,	,	PUNCT
fsr-4050	15	14	2022	2022	NUM
fsr-4050	15	15	)	)	PUNCT
fsr-4050	15	16	highlighted	highlight	VERB
fsr-4050	15	17	the	the	DET
fsr-4050	15	18	need	need	NOUN
fsr-4050	15	19	to	to	PART
fsr-4050	15	20	address	address	VERB
fsr-4050	15	21	u.s	u.s	PROPN
fsr-4050	15	22	.	.	PROPN
fsr-4050	15	23	households	household	NOUN
fsr-4050	15	24	'	'	PART
fsr-4050	15	25	financial	financial	ADJ
fsr-4050	15	26	vulnerability	vulnerability	NOUN
fsr-4050	15	27	.	.	PUNCT
fsr-4050	16	1	during	during	ADP
fsr-4050	16	2	the	the	DET
fsr-4050	16	3	pandemic	pandemic	ADJ
fsr-4050	16	4	,	,	PUNCT
fsr-4050	16	5	researchers	researcher	NOUN
fsr-4050	16	6	,	,	PUNCT
fsr-4050	16	7	financial	financial	ADJ
fsr-4050	16	8	professionals	professional	NOUN
fsr-4050	16	9	,	,	PUNCT
fsr-4050	16	10	governments	government	NOUN
fsr-4050	16	11	,	,	PUNCT
fsr-4050	16	12	and	and	CCONJ
fsr-4050	16	13	policymakers	policymaker	NOUN
fsr-4050	16	14	underscored	underscore	VERB
fsr-4050	16	15	the	the	DET
fsr-4050	16	16	importance	importance	NOUN
fsr-4050	16	17	of	of	ADP
fsr-4050	16	18	adequate	adequate	ADJ
fsr-4050	16	19	emergency	emergency	NOUN
fsr-4050	16	20	fund	fund	NOUN
fsr-4050	16	21	savings	saving	NOUN
fsr-4050	16	22	in	in	ADP
fsr-4050	16	23	dealing	deal	VERB
fsr-4050	16	24	with	with	ADP
fsr-4050	16	25	1	1	NUM
fsr-4050	16	26	corresponding	correspond	VERB
fsr-4050	16	27	author	author	NOUN
fsr-4050	16	28	(	(	PUNCT
fsr-4050	16	29	ying.chen@ccsu.edu	ying.chen@ccsu.edu	PROPN
fsr-4050	16	30	)	)	PUNCT
fsr-4050	16	31	,	,	PUNCT
fsr-4050	16	32	central	central	ADJ
fsr-4050	16	33	connecticut	connecticut	PROPN
fsr-4050	16	34	state	state	PROPN
fsr-4050	16	35	university	university	PROPN
fsr-4050	16	36	,	,	PUNCT
fsr-4050	16	37	new	new	ADJ
fsr-4050	16	38	britain	britain	PROPN
fsr-4050	16	39	,	,	PUNCT
fsr-4050	16	40	ct	ct	PROPN
fsr-4050	16	41	,	,	PUNCT
fsr-4050	16	42	usa	usa	PROPN
fsr-4050	16	43	.	.	PROPN
fsr-4050	16	44	2	2	NUM
fsr-4050	16	45	sarah.asebedo@ttu.edu	sarah.asebedo@ttu.edu	PROPN
fsr-4050	16	46	,	,	PUNCT
fsr-4050	16	47	texas	texas	PROPN
fsr-4050	16	48	tech	tech	PROPN
fsr-4050	16	49	university	university	PROPN
fsr-4050	16	50	,	,	PUNCT
fsr-4050	16	51	lubbock	lubbock	PROPN
fsr-4050	16	52	,	,	PUNCT
fsr-4050	16	53	tx	tx	PROPN
fsr-4050	16	54	,	,	PUNCT
fsr-4050	16	55	usa	usa	PROPN
fsr-4050	17	1	.	.	PROPN
fsr-4050	17	2	3	3	NUM
fsr-4050	17	3	todd.d.little@ttu.edu	todd.d.little@ttu.edu	NOUN
fsr-4050	17	4	,	,	PUNCT
fsr-4050	17	5	texas	texas	PROPN
fsr-4050	17	6	tech	tech	PROPN
fsr-4050	17	7	university	university	PROPN
fsr-4050	17	8	,	,	PUNCT
fsr-4050	17	9	lubbock	lubbock	PROPN
fsr-4050	17	10	,	,	PUNCT
fsr-4050	17	11	tx	tx	PROPN
fsr-4050	17	12	,	,	PUNCT
fsr-4050	17	13	usa	usa	PROPN
fsr-4050	17	14	.	.	PROPN
fsr-4050	17	15	4	4	NUM
fsr-4050	17	16	weihong.ning@ccsu.edu	weihong.ning@ccsu.edu	NOUN
fsr-4050	17	17	,	,	PUNCT
fsr-4050	17	18	central	central	ADJ
fsr-4050	17	19	connecticut	connecticut	PROPN
fsr-4050	17	20	state	state	PROPN
fsr-4050	17	21	university	university	PROPN
fsr-4050	17	22	,	,	PUNCT
fsr-4050	17	23	new	new	ADJ
fsr-4050	17	24	britain	britain	PROPN
fsr-4050	17	25	,	,	PUNCT
fsr-4050	17	26	ct	ct	PROPN
fsr-4050	17	27	,	,	PUNCT
fsr-4050	17	28	usa	usa	PROPN
fsr-4050	17	29	.	.	PROPN
fsr-4050	17	30	unexpected	unexpected	ADJ
fsr-4050	17	31	events	event	NOUN
fsr-4050	17	32	,	,	PUNCT
fsr-4050	17	33	such	such	ADJ
fsr-4050	17	34	as	as	ADP
fsr-4050	17	35	layoffs	layoff	NOUN
fsr-4050	17	36	,	,	PUNCT
fsr-4050	17	37	sicknesses	sickness	NOUN
fsr-4050	17	38	,	,	PUNCT
fsr-4050	17	39	and	and	CCONJ
fsr-4050	17	40	medical	medical	ADJ
fsr-4050	17	41	expenses	expense	NOUN
fsr-4050	17	42	.	.	PUNCT
fsr-4050	18	1	even	even	ADV
fsr-4050	18	2	though	though	SCONJ
fsr-4050	18	3	the	the	DET
fsr-4050	18	4	importance	importance	NOUN
fsr-4050	18	5	of	of	ADP
fsr-4050	18	6	maintaining	maintain	VERB
fsr-4050	18	7	adequate	adequate	ADJ
fsr-4050	18	8	emergency	emergency	NOUN
fsr-4050	18	9	fund	fund	NOUN
fsr-4050	18	10	savings	saving	NOUN
fsr-4050	18	11	has	have	AUX
fsr-4050	18	12	been	be	AUX
fsr-4050	18	13	called	call	VERB
fsr-4050	18	14	for	for	ADP
fsr-4050	18	15	attention	attention	NOUN
fsr-4050	18	16	(	(	PUNCT
fsr-4050	18	17	gjertson	gjertson	NOUN
fsr-4050	18	18	,	,	PUNCT
fsr-4050	18	19	2016	2016	NUM
fsr-4050	18	20	)	)	PUNCT
fsr-4050	18	21	,	,	PUNCT
fsr-4050	18	22	u.s	u.s	PROPN
fsr-4050	18	23	.	.	PROPN
fsr-4050	18	24	households	household	NOUN
fsr-4050	18	25	still	still	ADV
fsr-4050	18	26	face	face	VERB
fsr-4050	18	27	challenges	challenge	NOUN
fsr-4050	18	28	in	in	ADP
fsr-4050	18	29	achieving	achieve	VERB
fsr-4050	18	30	financial	financial	ADJ
fsr-4050	18	31	stability	stability	NOUN
fsr-4050	18	32	(	(	PUNCT
fsr-4050	18	33	chen	chen	PROPN
fsr-4050	18	34	et	et	PROPN
fsr-4050	18	35	al	al	PROPN
fsr-4050	18	36	.	.	PROPN
fsr-4050	18	37	,	,	PUNCT
fsr-4050	18	38	2024	2024	NUM
fsr-4050	18	39	)	)	PUNCT
fsr-4050	18	40	and	and	CCONJ
fsr-4050	18	41	are	be	AUX
fsr-4050	18	42	advised	advise	VERB
fsr-4050	18	43	to	to	PART
fsr-4050	18	44	reevaluate	reevaluate	VERB
fsr-4050	18	45	their	their	PRON
fsr-4050	18	46	portfolios	portfolio	NOUN
fsr-4050	18	47	to	to	PART
fsr-4050	18	48	better	well	ADV
fsr-4050	18	49	prepare	prepare	VERB
fsr-4050	18	50	for	for	ADP
fsr-4050	18	51	economic	economic	ADJ
fsr-4050	18	52	fallouts	fallout	NOUN
fsr-4050	18	53	(	(	PUNCT
fsr-4050	18	54	despard	despard	NOUN
fsr-4050	18	55	&	&	CCONJ
fsr-4050	18	56	roll	roll	PROPN
fsr-4050	18	57	,	,	PUNCT
fsr-4050	18	58	2024	2024	NUM
fsr-4050	18	59	)	)	PUNCT
fsr-4050	18	60	.	.	PUNCT
fsr-4050	19	1	despite	despite	SCONJ
fsr-4050	19	2	an	an	DET
fsr-4050	19	3	increasing	increase	VERB
fsr-4050	19	4	https://creativecommons.org/licenses/by-nc/4.0/	https://creativecommons.org/licenses/by-nc/4.0/	PROPN
fsr-4050	19	5	https://creativecommons.org/licenses/by-nc/4.0/	https://creativecommons.org/licenses/by-nc/4.0/	PROPN
fsr-4050	19	6	chen	chen	PROPN
fsr-4050	19	7	et	et	PROPN
fsr-4050	19	8	al	al	PROPN
fsr-4050	19	9	.	.	PROPN
fsr-4050	19	10	21	21	NUM
fsr-4050	19	11	number	number	NOUN
fsr-4050	19	12	of	of	ADP
fsr-4050	19	13	u.s	u.s	PROPN
fsr-4050	19	14	.	.	PROPN
fsr-4050	19	15	households	household	NOUN
fsr-4050	19	16	reporting	report	VERB
fsr-4050	19	17	adequate	adequate	ADJ
fsr-4050	19	18	emergency	emergency	NOUN
fsr-4050	19	19	fund	fund	NOUN
fsr-4050	19	20	savings	saving	NOUN
fsr-4050	19	21	–	–	PUNCT
fsr-4050	19	22	the	the	DET
fsr-4050	19	23	2021	2021	NUM
fsr-4050	19	24	national	national	ADJ
fsr-4050	19	25	financial	financial	ADJ
fsr-4050	19	26	capability	capability	NOUN
fsr-4050	19	27	survey	survey	NOUN
fsr-4050	19	28	(	(	PUNCT
fsr-4050	19	29	nfcs	nfcs	PROPN
fsr-4050	19	30	)	)	PUNCT
fsr-4050	19	31	report	report	NOUN
fsr-4050	19	32	shows	show	VERB
fsr-4050	19	33	that	that	SCONJ
fsr-4050	19	34	more	more	ADJ
fsr-4050	19	35	than	than	ADP
fsr-4050	19	36	half	half	NOUN
fsr-4050	19	37	of	of	ADP
fsr-4050	19	38	the	the	DET
fsr-4050	19	39	households	household	NOUN
fsr-4050	19	40	reported	report	VERB
fsr-4050	19	41	having	have	VERB
fsr-4050	19	42	at	at	ADV
fsr-4050	19	43	least	least	ADV
fsr-4050	19	44	three	three	NUM
fsr-4050	19	45	months	month	NOUN
fsr-4050	19	46	equivalent	equivalent	ADJ
fsr-4050	19	47	of	of	ADP
fsr-4050	19	48	living	living	NOUN
fsr-4050	19	49	expenses	expense	NOUN
fsr-4050	19	50	as	as	ADP
fsr-4050	19	51	emergency	emergency	NOUN
fsr-4050	19	52	fund	fund	NOUN
fsr-4050	19	53	savings	saving	NOUN
fsr-4050	19	54	(	(	PUNCT
fsr-4050	19	55	finra	finra	NOUN
fsr-4050	19	56	,	,	PUNCT
fsr-4050	19	57	2022	2022	NUM
fsr-4050	19	58	)	)	PUNCT
fsr-4050	19	59	–	–	PUNCT
fsr-4050	19	60	many	many	ADJ
fsr-4050	19	61	americans	american	NOUN
fsr-4050	19	62	still	still	ADV
fsr-4050	19	63	struggle	struggle	VERB
fsr-4050	19	64	to	to	PART
fsr-4050	19	65	pay	pay	VERB
fsr-4050	19	66	bills	bill	NOUN
fsr-4050	19	67	and	and	CCONJ
fsr-4050	19	68	meet	meet	VERB
fsr-4050	19	69	basic	basic	ADJ
fsr-4050	19	70	needs	need	NOUN
fsr-4050	19	71	(	(	PUNCT
fsr-4050	19	72	despard	despard	NOUN
fsr-4050	19	73	&	&	CCONJ
fsr-4050	19	74	roll	roll	PROPN
fsr-4050	19	75	,	,	PUNCT
fsr-4050	19	76	2024	2024	NUM
fsr-4050	19	77	)	)	PUNCT
fsr-4050	19	78	.	.	PUNCT
fsr-4050	20	1	when	when	SCONJ
fsr-4050	20	2	asked	ask	VERB
fsr-4050	20	3	about	about	ADP
fsr-4050	20	4	confidence	confidence	NOUN
fsr-4050	20	5	in	in	ADP
fsr-4050	20	6	coming	come	VERB
fsr-4050	20	7	up	up	ADP
fsr-4050	20	8	with	with	ADP
fsr-4050	20	9	$	$	SYM
fsr-4050	20	10	2,000	2,000	NUM
fsr-4050	20	11	within	within	ADP
fsr-4050	20	12	the	the	DET
fsr-4050	20	13	next	next	ADJ
fsr-4050	20	14	month	month	NOUN
fsr-4050	20	15	in	in	ADP
fsr-4050	20	16	the	the	DET
fsr-4050	20	17	face	face	NOUN
fsr-4050	20	18	of	of	ADP
fsr-4050	20	19	financial	financial	ADJ
fsr-4050	20	20	hardships	hardship	NOUN
fsr-4050	20	21	,	,	PUNCT
fsr-4050	20	22	only	only	ADV
fsr-4050	20	23	43	43	NUM
fsr-4050	20	24	%	%	NOUN
fsr-4050	20	25	of	of	ADP
fsr-4050	20	26	u.s	u.s	PROPN
fsr-4050	20	27	.	.	PROPN
fsr-4050	20	28	households	household	NOUN
fsr-4050	20	29	reported	report	VERB
fsr-4050	20	30	being	be	AUX
fsr-4050	20	31	able	able	ADJ
fsr-4050	20	32	to	to	PART
fsr-4050	20	33	meet	meet	VERB
fsr-4050	20	34	this	this	DET
fsr-4050	20	35	balance	balance	NOUN
fsr-4050	20	36	in	in	ADP
fsr-4050	20	37	emergency	emergency	NOUN
fsr-4050	20	38	fund	fund	NOUN
fsr-4050	20	39	savings	saving	NOUN
fsr-4050	20	40	in	in	ADP
fsr-4050	20	41	2021	2021	NUM
fsr-4050	20	42	(	(	PUNCT
fsr-4050	20	43	finra	finra	NOUN
fsr-4050	20	44	,	,	PUNCT
fsr-4050	20	45	2022	2022	NUM
fsr-4050	20	46	)	)	PUNCT
fsr-4050	20	47	.	.	PUNCT
fsr-4050	21	1	from	from	ADP
fsr-4050	21	2	a	a	DET
fsr-4050	21	3	behavioral	behavioral	ADJ
fsr-4050	21	4	perspective	perspective	NOUN
fsr-4050	21	5	,	,	PUNCT
fsr-4050	21	6	the	the	DET
fsr-4050	21	7	theory	theory	NOUN
fsr-4050	21	8	of	of	ADP
fsr-4050	21	9	planned	plan	VERB
fsr-4050	21	10	behavior	behavior	NOUN
fsr-4050	21	11	(	(	PUNCT
fsr-4050	21	12	tpb	tpb	NOUN
fsr-4050	21	13	)	)	PUNCT
fsr-4050	21	14	emphasizes	emphasize	VERB
fsr-4050	21	15	that	that	SCONJ
fsr-4050	21	16	behavioral	behavioral	ADJ
fsr-4050	21	17	and	and	CCONJ
fsr-4050	21	18	psychological	psychological	ADJ
fsr-4050	21	19	factors	factor	NOUN
fsr-4050	21	20	(	(	PUNCT
fsr-4050	21	21	i.e.	i.e.	X
fsr-4050	21	22	,	,	PUNCT
fsr-4050	21	23	attitudes	attitude	NOUN
fsr-4050	21	24	,	,	PUNCT
fsr-4050	21	25	subjective	subjective	ADJ
fsr-4050	21	26	norms	norm	NOUN
fsr-4050	21	27	,	,	PUNCT
fsr-4050	21	28	perceived	perceive	VERB
fsr-4050	21	29	behavioral	behavioral	ADJ
fsr-4050	21	30	control	control	NOUN
fsr-4050	21	31	,	,	PUNCT
fsr-4050	21	32	and	and	CCONJ
fsr-4050	21	33	intention	intention	NOUN
fsr-4050	21	34	)	)	PUNCT
fsr-4050	21	35	might	might	AUX
fsr-4050	21	36	explain	explain	VERB
fsr-4050	21	37	savings	saving	NOUN
fsr-4050	21	38	behavior	behavior	NOUN
fsr-4050	21	39	(	(	PUNCT
fsr-4050	21	40	ajzen	ajzen	NOUN
fsr-4050	21	41	,	,	PUNCT
fsr-4050	21	42	1991	1991	NUM
fsr-4050	21	43	)	)	PUNCT
fsr-4050	21	44	.	.	PUNCT
fsr-4050	22	1	attitudes	attitude	NOUN
fsr-4050	22	2	towards	towards	ADP
fsr-4050	22	3	savings	saving	NOUN
fsr-4050	22	4	,	,	PUNCT
fsr-4050	22	5	subjective	subjective	ADJ
fsr-4050	22	6	norms	norm	NOUN
fsr-4050	22	7	,	,	PUNCT
fsr-4050	22	8	and	and	CCONJ
fsr-4050	22	9	perceived	perceive	VERB
fsr-4050	22	10	behavioral	behavioral	ADJ
fsr-4050	22	11	control	control	NOUN
fsr-4050	22	12	are	be	AUX
fsr-4050	22	13	significant	significant	ADJ
fsr-4050	22	14	predictors	predictor	NOUN
fsr-4050	22	15	of	of	ADP
fsr-4050	22	16	households	household	NOUN
fsr-4050	22	17	'	'	PART
fsr-4050	22	18	intention	intention	NOUN
fsr-4050	22	19	to	to	PART
fsr-4050	22	20	save	save	VERB
fsr-4050	22	21	and	and	CCONJ
fsr-4050	22	22	thus	thus	ADV
fsr-4050	22	23	affect	affect	VERB
fsr-4050	22	24	their	their	PRON
fsr-4050	22	25	saving	saving	NOUN
fsr-4050	22	26	behaviors	behavior	NOUN
fsr-4050	22	27	(	(	PUNCT
fsr-4050	22	28	satsios	satsio	NOUN
fsr-4050	22	29	&	&	CCONJ
fsr-4050	22	30	hadjidakis	hadjidakis	PROPN
fsr-4050	22	31	,	,	PUNCT
fsr-4050	22	32	2018	2018	NUM
fsr-4050	22	33	)	)	PUNCT
fsr-4050	22	34	.	.	PUNCT
fsr-4050	23	1	when	when	SCONJ
fsr-4050	23	2	it	it	PRON
fsr-4050	23	3	comes	come	VERB
fsr-4050	23	4	to	to	ADP
fsr-4050	23	5	emergency	emergency	NOUN
fsr-4050	23	6	fund	fund	NOUN
fsr-4050	23	7	savings	saving	NOUN
fsr-4050	23	8	,	,	PUNCT
fsr-4050	23	9	financial	financial	ADJ
fsr-4050	23	10	professionals	professional	NOUN
fsr-4050	23	11	recommend	recommend	VERB
fsr-4050	23	12	at	at	ADV
fsr-4050	23	13	least	least	ADV
fsr-4050	23	14	three	three	NUM
fsr-4050	23	15	months	month	NOUN
fsr-4050	23	16	'	'	PART
fsr-4050	23	17	equivalent	equivalent	NOUN
fsr-4050	23	18	of	of	ADP
fsr-4050	23	19	living	living	NOUN
fsr-4050	23	20	expenses	expense	NOUN
fsr-4050	23	21	as	as	ADP
fsr-4050	23	22	adequate	adequate	ADJ
fsr-4050	23	23	emergency	emergency	NOUN
fsr-4050	23	24	fund	fund	NOUN
fsr-4050	23	25	savings	saving	NOUN
fsr-4050	23	26	(	(	PUNCT
fsr-4050	23	27	finra	finra	NOUN
fsr-4050	23	28	,	,	PUNCT
fsr-4050	23	29	2022	2022	NUM
fsr-4050	23	30	)	)	PUNCT
fsr-4050	23	31	.	.	PUNCT
fsr-4050	24	1	however	however	ADV
fsr-4050	24	2	,	,	PUNCT
fsr-4050	24	3	while	while	SCONJ
fsr-4050	24	4	households	household	NOUN
fsr-4050	24	5	often	often	ADV
fsr-4050	24	6	value	value	VERB
fsr-4050	24	7	shortterm	shortterm	PROPN
fsr-4050	24	8	savings	saving	NOUN
fsr-4050	24	9	,	,	PUNCT
fsr-4050	24	10	they	they	PRON
fsr-4050	24	11	do	do	AUX
fsr-4050	24	12	not	not	PART
fsr-4050	24	13	always	always	ADV
fsr-4050	24	14	have	have	VERB
fsr-4050	24	15	enough	enough	ADJ
fsr-4050	24	16	liquid	liquid	ADJ
fsr-4050	24	17	funds	fund	NOUN
fsr-4050	24	18	to	to	PART
fsr-4050	24	19	adequately	adequately	ADV
fsr-4050	24	20	protect	protect	VERB
fsr-4050	24	21	themselves	themselves	PRON
fsr-4050	24	22	from	from	ADP
fsr-4050	24	23	unexpected	unexpected	ADJ
fsr-4050	24	24	financial	financial	ADJ
fsr-4050	24	25	shocks	shock	NOUN
fsr-4050	24	26	in	in	ADP
fsr-4050	24	27	the	the	DET
fsr-4050	24	28	form	form	NOUN
fsr-4050	24	29	of	of	ADP
fsr-4050	24	30	adequate	adequate	ADJ
fsr-4050	24	31	emergency	emergency	NOUN
fsr-4050	24	32	fund	fund	NOUN
fsr-4050	24	33	savings	saving	NOUN
fsr-4050	24	34	(	(	PUNCT
fsr-4050	24	35	chase	chase	PROPN
fsr-4050	24	36	et	et	PROPN
fsr-4050	24	37	al	al	PROPN
fsr-4050	24	38	.	.	PROPN
fsr-4050	24	39	,	,	PUNCT
fsr-4050	24	40	2011	2011	NUM
fsr-4050	24	41	)	)	PUNCT
fsr-4050	24	42	.	.	PUNCT
fsr-4050	25	1	in	in	ADP
fsr-4050	25	2	the	the	DET
fsr-4050	25	3	short	short	ADJ
fsr-4050	25	4	term	term	NOUN
fsr-4050	25	5	,	,	PUNCT
fsr-4050	25	6	households	household	NOUN
fsr-4050	25	7	often	often	ADV
fsr-4050	25	8	overlook	overlook	VERB
fsr-4050	25	9	the	the	DET
fsr-4050	25	10	importance	importance	NOUN
fsr-4050	25	11	of	of	ADP
fsr-4050	25	12	adequate	adequate	ADJ
fsr-4050	25	13	emergency	emergency	NOUN
fsr-4050	25	14	fund	fund	NOUN
fsr-4050	25	15	savings	saving	NOUN
fsr-4050	25	16	and	and	CCONJ
fsr-4050	25	17	,	,	PUNCT
fsr-4050	25	18	thus	thus	ADV
fsr-4050	25	19	,	,	PUNCT
fsr-4050	25	20	lack	lack	VERB
fsr-4050	25	21	such	such	ADJ
fsr-4050	25	22	savings	saving	NOUN
fsr-4050	25	23	to	to	PART
fsr-4050	25	24	cover	cover	VERB
fsr-4050	25	25	unexpected	unexpected	ADJ
fsr-4050	25	26	life	life	NOUN
fsr-4050	25	27	events	event	NOUN
fsr-4050	25	28	because	because	SCONJ
fsr-4050	25	29	the	the	DET
fsr-4050	25	30	intentionbehavior	intentionbehavior	ADJ
fsr-4050	25	31	relationship	relationship	NOUN
fsr-4050	25	32	varies	vary	VERB
fsr-4050	25	33	depending	depend	VERB
fsr-4050	25	34	on	on	ADP
fsr-4050	25	35	specific	specific	ADJ
fsr-4050	25	36	behavior	behavior	NOUN
fsr-4050	25	37	,	,	PUNCT
fsr-4050	25	38	habits	habit	NOUN
fsr-4050	25	39	,	,	PUNCT
fsr-4050	25	40	and	and	CCONJ
fsr-4050	25	41	experiences	experience	NOUN
fsr-4050	25	42	(	(	PUNCT
fsr-4050	25	43	conner	conner	PROPN
fsr-4050	25	44	&	&	CCONJ
fsr-4050	25	45	armitage	armitage	PROPN
fsr-4050	25	46	,	,	PUNCT
fsr-4050	25	47	1998	1998	NUM
fsr-4050	25	48	)	)	PUNCT
fsr-4050	25	49	.	.	PUNCT
fsr-4050	26	1	households	household	NOUN
fsr-4050	26	2	with	with	ADP
fsr-4050	26	3	an	an	DET
fsr-4050	26	4	intention	intention	NOUN
fsr-4050	26	5	to	to	PART
fsr-4050	26	6	save	save	VERB
fsr-4050	26	7	might	might	AUX
fsr-4050	26	8	still	still	ADV
fsr-4050	26	9	fail	fail	VERB
fsr-4050	26	10	to	to	PART
fsr-4050	26	11	act	act	VERB
fsr-4050	26	12	to	to	PART
fsr-4050	26	13	save	save	VERB
fsr-4050	26	14	(	(	PUNCT
fsr-4050	26	15	gollwitzer	gollwitzer	NOUN
fsr-4050	26	16	,	,	PUNCT
fsr-4050	26	17	1999	1999	NUM
fsr-4050	26	18	)	)	PUNCT
fsr-4050	26	19	.	.	PUNCT
fsr-4050	27	1	this	this	DET
fsr-4050	27	2	intention	intention	NOUN
fsr-4050	27	3	-	-	PUNCT
fsr-4050	27	4	to	to	ADP
fsr-4050	27	5	-	-	PUNCT
fsr-4050	27	6	behavior	behavior	NOUN
fsr-4050	27	7	gap	gap	NOUN
fsr-4050	27	8	could	could	AUX
fsr-4050	27	9	represent	represent	VERB
fsr-4050	27	10	opportunities	opportunity	NOUN
fsr-4050	27	11	for	for	ADP
fsr-4050	27	12	financial	financial	ADJ
fsr-4050	27	13	technology	technology	NOUN
fsr-4050	27	14	(	(	PUNCT
fsr-4050	27	15	fintech	fintech	NOUN
fsr-4050	27	16	)	)	PUNCT
fsr-4050	27	17	to	to	PART
fsr-4050	27	18	connect	connect	VERB
fsr-4050	27	19	the	the	DET
fsr-4050	27	20	path	path	NOUN
fsr-4050	27	21	from	from	ADP
fsr-4050	27	22	the	the	DET
fsr-4050	27	23	intention	intention	NOUN
fsr-4050	27	24	to	to	PART
fsr-4050	27	25	use	use	VERB
fsr-4050	27	26	fintech	fintech	NOUN
fsr-4050	27	27	to	to	PART
fsr-4050	27	28	save	save	VERB
fsr-4050	27	29	to	to	ADP
fsr-4050	27	30	actual	actual	ADJ
fsr-4050	27	31	savings	saving	NOUN
fsr-4050	27	32	behavior	behavior	NOUN
fsr-4050	27	33	of	of	ADP
fsr-4050	27	34	maintaining	maintain	VERB
fsr-4050	27	35	adequate	adequate	ADJ
fsr-4050	27	36	emergency	emergency	NOUN
fsr-4050	27	37	fund	fund	NOUN
fsr-4050	27	38	savings	saving	NOUN
fsr-4050	27	39	.	.	PUNCT
fsr-4050	28	1	fintech	fintech	NOUN
fsr-4050	28	2	refers	refer	VERB
fsr-4050	28	3	to	to	ADP
fsr-4050	28	4	applying	apply	VERB
fsr-4050	28	5	technology	technology	NOUN
fsr-4050	28	6	to	to	ADP
fsr-4050	28	7	financial	financial	ADJ
fsr-4050	28	8	services	service	NOUN
fsr-4050	28	9	and	and	CCONJ
fsr-4050	28	10	products	product	NOUN
fsr-4050	28	11	to	to	PART
fsr-4050	28	12	facilitate	facilitate	VERB
fsr-4050	28	13	and	and	CCONJ
fsr-4050	28	14	improve	improve	VERB
fsr-4050	28	15	financial	financial	ADJ
fsr-4050	28	16	activities	activity	NOUN
fsr-4050	28	17	(	(	PUNCT
fsr-4050	28	18	bajunaied	bajunaie	VERB
fsr-4050	28	19	et	et	PROPN
fsr-4050	28	20	al	al	PROPN
fsr-4050	28	21	.	.	PROPN
fsr-4050	28	22	,	,	PUNCT
fsr-4050	28	23	2023	2023	NUM
fsr-4050	28	24	;	;	PUNCT
fsr-4050	28	25	feyen	feyen	NOUN
fsr-4050	28	26	et	et	PROPN
fsr-4050	28	27	al	al	PROPN
fsr-4050	28	28	.	.	PROPN
fsr-4050	28	29	,	,	PUNCT
fsr-4050	28	30	2023	2023	NUM
fsr-4050	28	31	;	;	PUNCT
fsr-4050	28	32	schueffel	schueffel	NOUN
fsr-4050	28	33	,	,	PUNCT
fsr-4050	28	34	2016	2016	NUM
fsr-4050	28	35	;	;	PUNCT
fsr-4050	28	36	setiawan	setiawan	PROPN
fsr-4050	28	37	et	et	PROPN
fsr-4050	28	38	al	al	PROPN
fsr-4050	28	39	.	.	PROPN
fsr-4050	28	40	,	,	PUNCT
fsr-4050	28	41	2022	2022	NUM
fsr-4050	28	42	)	)	PUNCT
fsr-4050	28	43	.	.	PUNCT
fsr-4050	29	1	it	it	PRON
fsr-4050	29	2	covers	cover	VERB
fsr-4050	29	3	various	various	ADJ
fsr-4050	29	4	financial	financial	ADJ
fsr-4050	29	5	domains	domain	NOUN
fsr-4050	29	6	,	,	PUNCT
fsr-4050	29	7	including	include	VERB
fsr-4050	29	8	account	account	NOUN
fsr-4050	29	9	management	management	NOUN
fsr-4050	29	10	,	,	PUNCT
fsr-4050	29	11	savings	saving	NOUN
fsr-4050	29	12	,	,	PUNCT
fsr-4050	29	13	payments	payment	NOUN
fsr-4050	29	14	,	,	PUNCT
fsr-4050	29	15	investment	investment	NOUN
fsr-4050	29	16	,	,	PUNCT
fsr-4050	29	17	and	and	CCONJ
fsr-4050	29	18	insurance	insurance	NOUN
fsr-4050	29	19	,	,	PUNCT
fsr-4050	29	20	depending	depend	VERB
fsr-4050	29	21	on	on	ADP
fsr-4050	29	22	the	the	DET
fsr-4050	29	23	purposes	purpose	NOUN
fsr-4050	29	24	of	of	ADP
fsr-4050	29	25	financial	financial	ADJ
fsr-4050	29	26	activities	activity	NOUN
fsr-4050	29	27	(	(	PUNCT
fsr-4050	29	28	demirgüçkunt	demirgüçkunt	PROPN
fsr-4050	29	29	et	et	PROPN
fsr-4050	29	30	al	al	PROPN
fsr-4050	29	31	.	.	PROPN
fsr-4050	29	32	,	,	PUNCT
fsr-4050	29	33	2018	2018	NUM
fsr-4050	29	34	;	;	PUNCT
fsr-4050	29	35	thakor	thakor	NOUN
fsr-4050	29	36	,	,	PUNCT
fsr-4050	29	37	2020	2020	NUM
fsr-4050	29	38	)	)	PUNCT
fsr-4050	29	39	.	.	PUNCT
fsr-4050	30	1	fintech	fintech	NOUN
fsr-4050	30	2	has	have	AUX
fsr-4050	30	3	dramatically	dramatically	ADV
fsr-4050	30	4	drawn	draw	VERB
fsr-4050	30	5	the	the	DET
fsr-4050	30	6	attention	attention	NOUN
fsr-4050	30	7	of	of	ADP
fsr-4050	30	8	financial	financial	ADJ
fsr-4050	30	9	institutions	institution	NOUN
fsr-4050	30	10	,	,	PUNCT
fsr-4050	30	11	researchers	researcher	NOUN
fsr-4050	30	12	,	,	PUNCT
fsr-4050	30	13	governments	government	NOUN
fsr-4050	30	14	,	,	PUNCT
fsr-4050	30	15	and	and	CCONJ
fsr-4050	30	16	policymakers	policymaker	NOUN
fsr-4050	30	17	over	over	ADP
fsr-4050	30	18	the	the	DET
fsr-4050	30	19	past	past	ADJ
fsr-4050	30	20	decades	decade	NOUN
fsr-4050	30	21	.	.	PUNCT
fsr-4050	31	1	behavioral	behavioral	ADJ
fsr-4050	31	2	intention	intention	NOUN
fsr-4050	31	3	of	of	ADP
fsr-4050	31	4	using	use	VERB
fsr-4050	31	5	technology	technology	NOUN
fsr-4050	31	6	determines	determine	VERB
fsr-4050	31	7	actual	actual	ADJ
fsr-4050	31	8	fintech	fintech	NOUN
fsr-4050	31	9	use	use	NOUN
fsr-4050	31	10	,	,	PUNCT
fsr-4050	31	11	implying	imply	VERB
fsr-4050	31	12	that	that	SCONJ
fsr-4050	31	13	fintech	fintech	NOUN
fsr-4050	31	14	companies	company	NOUN
fsr-4050	31	15	should	should	AUX
fsr-4050	31	16	evaluate	evaluate	VERB
fsr-4050	31	17	and	and	CCONJ
fsr-4050	31	18	predict	predict	VERB
fsr-4050	31	19	whether	whether	SCONJ
fsr-4050	31	20	fintech	fintech	NOUN
fsr-4050	31	21	users	user	NOUN
fsr-4050	31	22	will	will	AUX
fsr-4050	31	23	accept	accept	VERB
fsr-4050	31	24	the	the	DET
fsr-4050	31	25	new	new	ADJ
fsr-4050	31	26	technology	technology	NOUN
fsr-4050	31	27	(	(	PUNCT
fsr-4050	31	28	bajunaied	bajunaie	VERB
fsr-4050	31	29	et	et	PROPN
fsr-4050	31	30	al	al	PROPN
fsr-4050	31	31	.	.	PROPN
fsr-4050	31	32	,	,	PUNCT
fsr-4050	31	33	2023	2023	NUM
fsr-4050	31	34	)	)	PUNCT
fsr-4050	31	35	.	.	PUNCT
fsr-4050	32	1	actual	actual	ADJ
fsr-4050	32	2	fintech	fintech	NOUN
fsr-4050	32	3	adoption	adoption	NOUN
fsr-4050	32	4	has	have	AUX
fsr-4050	32	5	expanded	expand	VERB
fsr-4050	32	6	its	its	PRON
fsr-4050	32	7	benefits	benefit	NOUN
fsr-4050	32	8	(	(	PUNCT
fsr-4050	32	9	i.e.	i.e.	X
fsr-4050	32	10	,	,	PUNCT
fsr-4050	32	11	low	low	ADJ
fsr-4050	32	12	costs	cost	NOUN
fsr-4050	32	13	,	,	PUNCT
fsr-4050	32	14	convenience	convenience	NOUN
fsr-4050	32	15	,	,	PUNCT
fsr-4050	32	16	easy	easy	ADJ
fsr-4050	32	17	access	access	NOUN
fsr-4050	32	18	)	)	PUNCT
fsr-4050	32	19	from	from	ADP
fsr-4050	32	20	financial	financial	ADJ
fsr-4050	32	21	sectors	sector	NOUN
fsr-4050	32	22	to	to	ADP
fsr-4050	32	23	their	their	PRON
fsr-4050	32	24	clients	client	NOUN
fsr-4050	32	25	and	and	CCONJ
fsr-4050	32	26	provided	provide	VERB
fsr-4050	32	27	opportunities	opportunity	NOUN
fsr-4050	32	28	to	to	PART
fsr-4050	32	29	improve	improve	VERB
fsr-4050	32	30	financial	financial	ADJ
fsr-4050	32	31	behaviors	behavior	NOUN
fsr-4050	32	32	and	and	CCONJ
fsr-4050	32	33	outcomes	outcome	NOUN
fsr-4050	32	34	(	(	PUNCT
fsr-4050	32	35	demirgüç	demirgüç	PROPN
fsr-4050	32	36	-	-	PUNCT
fsr-4050	32	37	kunt	kunt	PROPN
fsr-4050	32	38	et	et	PROPN
fsr-4050	32	39	al	al	PROPN
fsr-4050	32	40	.	.	PROPN
fsr-4050	32	41	,	,	PUNCT
fsr-4050	32	42	2018	2018	NUM
fsr-4050	32	43	;	;	PUNCT
fsr-4050	32	44	feyen	feyen	NOUN
fsr-4050	32	45	et	et	PROPN
fsr-4050	32	46	al	al	PROPN
fsr-4050	32	47	.	.	PROPN
fsr-4050	32	48	,	,	PUNCT
fsr-4050	32	49	2023	2023	NUM
fsr-4050	32	50	;	;	PUNCT
fsr-4050	32	51	ouma	ouma	PROPN
fsr-4050	32	52	et	et	PROPN
fsr-4050	32	53	al	al	PROPN
fsr-4050	32	54	.	.	PROPN
fsr-4050	32	55	,	,	PUNCT
fsr-4050	32	56	2017	2017	NUM
fsr-4050	32	57	;	;	PUNCT
fsr-4050	32	58	thakor	thakor	NOUN
fsr-4050	32	59	,	,	PUNCT
fsr-4050	32	60	2020	2020	NUM
fsr-4050	32	61	)	)	PUNCT
fsr-4050	32	62	.	.	PUNCT
fsr-4050	33	1	during	during	ADP
fsr-4050	33	2	the	the	DET
fsr-4050	33	3	covid-19	covid-19	PROPN
fsr-4050	33	4	pandemic	pandemic	NOUN
fsr-4050	33	5	,	,	PUNCT
fsr-4050	33	6	an	an	DET
fsr-4050	33	7	emerging	emerge	VERB
fsr-4050	33	8	trend	trend	NOUN
fsr-4050	33	9	for	for	ADP
fsr-4050	33	10	fintech	fintech	NOUN
fsr-4050	33	11	adoption	adoption	NOUN
fsr-4050	33	12	in	in	ADP
fsr-4050	33	13	financial	financial	ADJ
fsr-4050	33	14	services	service	NOUN
fsr-4050	33	15	markets	market	NOUN
fsr-4050	33	16	has	have	AUX
fsr-4050	33	17	consistently	consistently	ADV
fsr-4050	33	18	grown	grow	VERB
fsr-4050	33	19	for	for	ADP
fsr-4050	33	20	two	two	NUM
fsr-4050	33	21	reasons	reason	NOUN
fsr-4050	33	22	:	:	PUNCT
fsr-4050	33	23	first	first	ADV
fsr-4050	33	24	,	,	PUNCT
fsr-4050	33	25	the	the	DET
fsr-4050	33	26	financial	financial	ADJ
fsr-4050	33	27	services	service	NOUN
fsr-4050	33	28	industry	industry	NOUN
fsr-4050	33	29	can	can	AUX
fsr-4050	33	30	widely	widely	ADV
fsr-4050	33	31	use	use	VERB
fsr-4050	33	32	fintech	fintech	NOUN
fsr-4050	33	33	to	to	PART
fsr-4050	33	34	serve	serve	VERB
fsr-4050	33	35	their	their	PRON
fsr-4050	33	36	clients	client	NOUN
fsr-4050	33	37	better	well	ADV
fsr-4050	33	38	;	;	PUNCT
fsr-4050	33	39	second	second	ADJ
fsr-4050	33	40	,	,	PUNCT
fsr-4050	33	41	actual	actual	ADJ
fsr-4050	33	42	fintech	fintech	NOUN
fsr-4050	33	43	use	use	NOUN
fsr-4050	33	44	provides	provide	VERB
fsr-4050	33	45	opportunities	opportunity	NOUN
fsr-4050	33	46	for	for	ADP
fsr-4050	33	47	households	household	NOUN
fsr-4050	33	48	'	'	PART
fsr-4050	33	49	access	access	NOUN
fsr-4050	33	50	to	to	ADP
fsr-4050	33	51	services	service	NOUN
fsr-4050	33	52	and	and	CCONJ
fsr-4050	33	53	products	product	NOUN
fsr-4050	33	54	such	such	ADJ
fsr-4050	33	55	as	as	ADP
fsr-4050	33	56	savings	saving	NOUN
fsr-4050	33	57	,	,	PUNCT
fsr-4050	33	58	insurance	insurance	NOUN
fsr-4050	33	59	,	,	PUNCT
fsr-4050	33	60	and	and	CCONJ
fsr-4050	33	61	credit	credit	NOUN
fsr-4050	33	62	management	management	NOUN
fsr-4050	33	63	with	with	ADP
fsr-4050	33	64	low	low	ADJ
fsr-4050	33	65	cost	cost	NOUN
fsr-4050	33	66	(	(	PUNCT
fsr-4050	33	67	feyen	feyen	NOUN
fsr-4050	33	68	et	et	NOUN
fsr-4050	33	69	al	al	PROPN
fsr-4050	33	70	.	.	PROPN
fsr-4050	33	71	,	,	PUNCT
fsr-4050	33	72	2023	2023	NUM
fsr-4050	33	73	)	)	PUNCT
fsr-4050	33	74	.	.	PUNCT
fsr-4050	34	1	furthermore	furthermore	ADV
fsr-4050	34	2	,	,	PUNCT
fsr-4050	34	3	promoting	promote	VERB
fsr-4050	34	4	banking	banking	NOUN
fsr-4050	34	5	and	and	CCONJ
fsr-4050	34	6	online	online	ADJ
fsr-4050	34	7	account	account	NOUN
fsr-4050	34	8	combinations	combination	NOUN
fsr-4050	34	9	encourages	encourage	VERB
fsr-4050	34	10	bank	bank	NOUN
fsr-4050	34	11	account	account	NOUN
fsr-4050	34	12	holders	holder	NOUN
fsr-4050	34	13	to	to	PART
fsr-4050	34	14	learn	learn	VERB
fsr-4050	34	15	how	how	SCONJ
fsr-4050	34	16	to	to	PART
fsr-4050	34	17	use	use	VERB
fsr-4050	34	18	technology	technology	NOUN
fsr-4050	34	19	to	to	PART
fsr-4050	34	20	manage	manage	VERB
fsr-4050	34	21	finances	finance	NOUN
fsr-4050	34	22	,	,	PUNCT
fsr-4050	34	23	such	such	ADJ
fsr-4050	34	24	as	as	ADP
fsr-4050	34	25	savings	saving	NOUN
fsr-4050	34	26	and	and	CCONJ
fsr-4050	34	27	investments	investment	NOUN
fsr-4050	34	28	.	.	PUNCT
fsr-4050	35	1	research	research	NOUN
fsr-4050	35	2	shows	show	VERB
fsr-4050	35	3	that	that	SCONJ
fsr-4050	35	4	bank	bank	NOUN
fsr-4050	35	5	account	account	NOUN
fsr-4050	35	6	holders	holder	NOUN
fsr-4050	35	7	have	have	VERB
fsr-4050	35	8	more	more	ADJ
fsr-4050	35	9	opportunities	opportunity	NOUN
fsr-4050	35	10	to	to	PART
fsr-4050	35	11	access	access	VERB
fsr-4050	35	12	financial	financial	ADJ
fsr-4050	35	13	products	product	NOUN
fsr-4050	35	14	and	and	CCONJ
fsr-4050	35	15	services	service	NOUN
fsr-4050	35	16	through	through	ADP
fsr-4050	35	17	websites	website	NOUN
fsr-4050	35	18	and	and	CCONJ
fsr-4050	35	19	apps	app	NOUN
fsr-4050	35	20	(	(	PUNCT
fsr-4050	35	21	abis	abis	PROPN
fsr-4050	35	22	et	et	PROPN
fsr-4050	35	23	al	al	PROPN
fsr-4050	35	24	.	.	PROPN
fsr-4050	35	25	,	,	PUNCT
fsr-4050	35	26	2025	2025	NUM
fsr-4050	35	27	;	;	PUNCT
fsr-4050	35	28	demirgüç	demirgüç	PROPN
fsr-4050	35	29	-	-	PUNCT
fsr-4050	35	30	kunt	kunt	PROPN
fsr-4050	35	31	et	et	PROPN
fsr-4050	35	32	al	al	PROPN
fsr-4050	35	33	.	.	PROPN
fsr-4050	35	34	,	,	PUNCT
fsr-4050	35	35	2022	2022	NUM
fsr-4050	35	36	;	;	PUNCT
fsr-4050	35	37	thakor	thakor	NOUN
fsr-4050	35	38	,	,	PUNCT
fsr-4050	35	39	2020	2020	NUM
fsr-4050	35	40	)	)	PUNCT
fsr-4050	35	41	.	.	PUNCT
fsr-4050	36	1	although	although	SCONJ
fsr-4050	36	2	96	96	NUM
fsr-4050	36	3	%	%	NOUN
fsr-4050	36	4	of	of	ADP
fsr-4050	36	5	u.s	u.s	PROPN
fsr-4050	36	6	.	.	PROPN
fsr-4050	36	7	households	household	NOUN
fsr-4050	36	8	were	be	AUX
fsr-4050	36	9	banked	bank	VERB
fsr-4050	36	10	in	in	ADP
fsr-4050	36	11	2023	2023	NUM
fsr-4050	36	12	,	,	PUNCT
fsr-4050	36	13	only	only	ADV
fsr-4050	36	14	48	48	NUM
fsr-4050	36	15	%	%	NOUN
fsr-4050	36	16	of	of	ADP
fsr-4050	36	17	the	the	DET
fsr-4050	36	18	bank	bank	NOUN
fsr-4050	36	19	account	account	NOUN
fsr-4050	36	20	holders	holder	NOUN
fsr-4050	36	21	used	use	VERB
fsr-4050	36	22	mobile	mobile	ADJ
fsr-4050	36	23	banking	banking	NOUN
fsr-4050	36	24	(	(	PUNCT
fsr-4050	36	25	federal	federal	ADJ
fsr-4050	36	26	deposit	deposit	NOUN
fsr-4050	36	27	insurance	insurance	NOUN
fsr-4050	36	28	corporation	corporation	NOUN
fsr-4050	36	29	[	[	X
fsr-4050	36	30	fdic	fdic	PROPN
fsr-4050	36	31	]	]	X
fsr-4050	36	32	,	,	PUNCT
fsr-4050	36	33	2023	2023	NUM
fsr-4050	36	34	)	)	PUNCT
fsr-4050	36	35	,	,	PUNCT
fsr-4050	36	36	indicating	indicate	VERB
fsr-4050	36	37	the	the	DET
fsr-4050	36	38	opportunity	opportunity	NOUN
fsr-4050	36	39	to	to	PART
fsr-4050	36	40	promote	promote	VERB
fsr-4050	36	41	fintech	fintech	NOUN
fsr-4050	36	42	to	to	ADP
fsr-4050	36	43	customers	customer	NOUN
fsr-4050	36	44	in	in	ADP
fsr-4050	36	45	the	the	DET
fsr-4050	36	46	united	united	PROPN
fsr-4050	36	47	states	states	PROPN
fsr-4050	36	48	.	.	PUNCT
fsr-4050	37	1	while	while	SCONJ
fsr-4050	37	2	research	research	NOUN
fsr-4050	37	3	has	have	AUX
fsr-4050	37	4	emphasized	emphasize	VERB
fsr-4050	37	5	the	the	DET
fsr-4050	37	6	vital	vital	ADJ
fsr-4050	37	7	role	role	NOUN
fsr-4050	37	8	of	of	ADP
fsr-4050	37	9	fintech	fintech	NOUN
fsr-4050	37	10	use	use	NOUN
fsr-4050	37	11	,	,	PUNCT
fsr-4050	37	12	it	it	PRON
fsr-4050	37	13	is	be	AUX
fsr-4050	37	14	critical	critical	ADJ
fsr-4050	37	15	to	to	PART
fsr-4050	37	16	apply	apply	VERB
fsr-4050	37	17	the	the	DET
fsr-4050	37	18	tpb	tpb	NOUN
fsr-4050	37	19	to	to	PART
fsr-4050	37	20	predict	predict	VERB
fsr-4050	37	21	adequate	adequate	ADJ
fsr-4050	37	22	emergency	emergency	NOUN
fsr-4050	37	23	fund	fund	NOUN
fsr-4050	37	24	savings	saving	NOUN
fsr-4050	37	25	through	through	ADP
fsr-4050	37	26	the	the	DET
fsr-4050	37	27	intention	intention	NOUN
fsr-4050	37	28	to	to	PART
fsr-4050	37	29	use	use	VERB
fsr-4050	37	30	fintech	fintech	NOUN
fsr-4050	37	31	to	to	PART
fsr-4050	37	32	save	save	VERB
fsr-4050	37	33	and	and	CCONJ
fsr-4050	37	34	actual	actual	ADJ
fsr-4050	37	35	fintech	fintech	NOUN
fsr-4050	37	36	use	use	NOUN
fsr-4050	37	37	.	.	PUNCT
fsr-4050	38	1	to	to	ADP
fsr-4050	38	2	our	our	PRON
fsr-4050	38	3	knowledge	knowledge	NOUN
fsr-4050	38	4	,	,	PUNCT
fsr-4050	38	5	extant	extant	ADJ
fsr-4050	38	6	studies	study	NOUN
fsr-4050	38	7	have	have	AUX
fsr-4050	38	8	focused	focus	VERB
fsr-4050	38	9	on	on	ADP
fsr-4050	38	10	the	the	DET
fsr-4050	38	11	intention	intention	NOUN
fsr-4050	38	12	to	to	PART
fsr-4050	38	13	conduct	conduct	VERB
fsr-4050	38	14	savings	saving	NOUN
fsr-4050	38	15	behavior	behavior	NOUN
fsr-4050	38	16	(	(	PUNCT
fsr-4050	38	17	i.e.	i.e.	X
fsr-4050	38	18	,	,	PUNCT
fsr-4050	38	19	lučić	lučić	NOUN
fsr-4050	38	20	et	et	PROPN
fsr-4050	38	21	al	al	PROPN
fsr-4050	38	22	.	.	PROPN
fsr-4050	38	23	,	,	PUNCT
fsr-4050	38	24	2025	2025	NUM
fsr-4050	38	25	;	;	PUNCT
fsr-4050	39	1	widjaja	widjaja	PROPN
fsr-4050	39	2	et	et	PROPN
fsr-4050	39	3	al	al	PROPN
fsr-4050	39	4	.	.	PROPN
fsr-4050	39	5	,	,	PUNCT
fsr-4050	39	6	financial	financial	ADJ
fsr-4050	39	7	services	service	NOUN
fsr-4050	39	8	review	review	NOUN
fsr-4050	39	9	,	,	PUNCT
fsr-4050	39	10	33(3	33(3	NOUN
fsr-4050	39	11	)	)	PUNCT
fsr-4050	39	12	22	22	NUM
fsr-4050	39	13	2020	2020	NUM
fsr-4050	39	14	)	)	PUNCT
fsr-4050	39	15	,	,	PUNCT
fsr-4050	39	16	credit	credit	NOUN
fsr-4050	39	17	borrowing	borrowing	NOUN
fsr-4050	39	18	behavior	behavior	NOUN
fsr-4050	39	19	(	(	PUNCT
fsr-4050	39	20	i.e.	i.e.	X
fsr-4050	39	21	,	,	PUNCT
fsr-4050	39	22	xiao	xiao	PROPN
fsr-4050	39	23	et	et	PROPN
fsr-4050	39	24	al	al	PROPN
fsr-4050	39	25	.	.	PROPN
fsr-4050	39	26	,	,	PUNCT
fsr-4050	39	27	2011	2011	NUM
fsr-4050	39	28	)	)	PUNCT
fsr-4050	39	29	,	,	PUNCT
fsr-4050	39	30	or	or	CCONJ
fsr-4050	39	31	on	on	ADP
fsr-4050	39	32	the	the	DET
fsr-4050	39	33	intention	intention	NOUN
fsr-4050	39	34	to	to	PART
fsr-4050	39	35	use	use	VERB
fsr-4050	39	36	fintech	fintech	NOUN
fsr-4050	39	37	(	(	PUNCT
fsr-4050	39	38	i.e.	i.e.	X
fsr-4050	39	39	,	,	PUNCT
fsr-4050	39	40	bajunaied	bajunaie	VERB
fsr-4050	39	41	et	et	PROPN
fsr-4050	39	42	al	al	PROPN
fsr-4050	39	43	.	.	PROPN
fsr-4050	39	44	,	,	PUNCT
fsr-4050	39	45	2023	2023	NUM
fsr-4050	39	46	)	)	PUNCT
fsr-4050	39	47	.	.	PUNCT
fsr-4050	40	1	there	there	PRON
fsr-4050	40	2	is	be	VERB
fsr-4050	40	3	a	a	DET
fsr-4050	40	4	dearth	dearth	NOUN
fsr-4050	40	5	of	of	ADP
fsr-4050	40	6	research	research	NOUN
fsr-4050	40	7	on	on	ADP
fsr-4050	40	8	the	the	DET
fsr-4050	40	9	association	association	NOUN
fsr-4050	40	10	between	between	ADP
fsr-4050	40	11	the	the	DET
fsr-4050	40	12	intention	intention	NOUN
fsr-4050	40	13	to	to	PART
fsr-4050	40	14	use	use	VERB
fsr-4050	40	15	fintech	fintech	NOUN
fsr-4050	40	16	for	for	ADP
fsr-4050	40	17	emergency	emergency	NOUN
fsr-4050	40	18	fund	fund	NOUN
fsr-4050	40	19	savings	saving	NOUN
fsr-4050	40	20	and	and	CCONJ
fsr-4050	40	21	the	the	DET
fsr-4050	40	22	actual	actual	ADJ
fsr-4050	40	23	use	use	NOUN
fsr-4050	40	24	of	of	ADP
fsr-4050	40	25	fintech	fintech	NOUN
fsr-4050	40	26	products	product	NOUN
fsr-4050	40	27	and	and	CCONJ
fsr-4050	40	28	services	service	NOUN
fsr-4050	40	29	to	to	PART
fsr-4050	40	30	save	save	VERB
fsr-4050	40	31	for	for	ADP
fsr-4050	40	32	emergencies	emergency	NOUN
fsr-4050	40	33	.	.	PUNCT
fsr-4050	41	1	establishing	establish	VERB
fsr-4050	41	2	and	and	CCONJ
fsr-4050	41	3	maintaining	maintain	VERB
fsr-4050	41	4	adequate	adequate	ADJ
fsr-4050	41	5	emergency	emergency	NOUN
fsr-4050	41	6	fund	fund	NOUN
fsr-4050	41	7	savings	saving	NOUN
fsr-4050	41	8	reduces	reduce	VERB
fsr-4050	41	9	financial	financial	ADJ
fsr-4050	41	10	vulnerability	vulnerability	NOUN
fsr-4050	41	11	(	(	PUNCT
fsr-4050	41	12	stavins	stavin	NOUN
fsr-4050	41	13	,	,	PUNCT
fsr-4050	41	14	2021	2021	NUM
fsr-4050	41	15	)	)	PUNCT
fsr-4050	41	16	and	and	CCONJ
fsr-4050	41	17	enhances	enhance	VERB
fsr-4050	41	18	overall	overall	ADJ
fsr-4050	41	19	financial	financial	ADJ
fsr-4050	41	20	well	well	NOUN
fsr-4050	41	21	-	-	PUNCT
fsr-4050	41	22	being	be	AUX
fsr-4050	41	23	(	(	PUNCT
fsr-4050	41	24	anvariclark	anvariclark	PROPN
fsr-4050	41	25	&	&	CCONJ
fsr-4050	41	26	ansong	ansong	PROPN
fsr-4050	41	27	,	,	PUNCT
fsr-4050	41	28	2022	2022	NUM
fsr-4050	41	29	;	;	PUNCT
fsr-4050	41	30	nourallah	nourallah	PROPN
fsr-4050	41	31	et	et	PROPN
fsr-4050	41	32	al	al	PROPN
fsr-4050	41	33	.	.	PROPN
fsr-4050	41	34	,	,	PUNCT
fsr-4050	41	35	2025	2025	NUM
fsr-4050	41	36	)	)	PUNCT
fsr-4050	41	37	.	.	PUNCT
fsr-4050	42	1	however	however	ADV
fsr-4050	42	2	,	,	PUNCT
fsr-4050	42	3	a	a	DET
fsr-4050	42	4	mechanism	mechanism	NOUN
fsr-4050	42	5	is	be	AUX
fsr-4050	42	6	needed	need	VERB
fsr-4050	42	7	to	to	PART
fsr-4050	42	8	trigger	trigger	VERB
fsr-4050	42	9	households	household	NOUN
fsr-4050	42	10	'	'	PART
fsr-4050	42	11	action	action	NOUN
fsr-4050	42	12	to	to	PART
fsr-4050	42	13	save	save	VERB
fsr-4050	42	14	for	for	ADP
fsr-4050	42	15	adequate	adequate	ADJ
fsr-4050	42	16	emergencies	emergency	NOUN
fsr-4050	42	17	.	.	PUNCT
fsr-4050	43	1	fintech	fintech	NOUN
fsr-4050	43	2	can	can	AUX
fsr-4050	43	3	be	be	AUX
fsr-4050	43	4	an	an	DET
fsr-4050	43	5	effective	effective	ADJ
fsr-4050	43	6	way	way	NOUN
fsr-4050	43	7	to	to	PART
fsr-4050	43	8	motivate	motivate	VERB
fsr-4050	43	9	households	household	NOUN
fsr-4050	43	10	to	to	PART
fsr-4050	43	11	save	save	VERB
fsr-4050	43	12	and	and	CCONJ
fsr-4050	43	13	maintain	maintain	VERB
fsr-4050	43	14	their	their	PRON
fsr-4050	43	15	savings	saving	NOUN
fsr-4050	43	16	.	.	PUNCT
fsr-4050	44	1	therefore	therefore	ADV
fsr-4050	44	2	,	,	PUNCT
fsr-4050	44	3	there	there	ADV
fsr-4050	44	4	it	it	PRON
fsr-4050	44	5	can	can	AUX
fsr-4050	44	6	be	be	AUX
fsr-4050	44	7	fruitful	fruitful	ADJ
fsr-4050	44	8	to	to	PART
fsr-4050	44	9	introduce	introduce	VERB
fsr-4050	44	10	a	a	DET
fsr-4050	44	11	comprehensive	comprehensive	ADJ
fsr-4050	44	12	model	model	NOUN
fsr-4050	44	13	to	to	PART
fsr-4050	44	14	explain	explain	VERB
fsr-4050	44	15	households	household	NOUN
fsr-4050	44	16	'	'	PART
fsr-4050	44	17	motivation	motivation	NOUN
fsr-4050	44	18	and	and	CCONJ
fsr-4050	44	19	actual	actual	ADJ
fsr-4050	44	20	use	use	NOUN
fsr-4050	44	21	of	of	ADP
fsr-4050	44	22	fintech	fintech	NOUN
fsr-4050	44	23	products	product	NOUN
fsr-4050	44	24	and	and	CCONJ
fsr-4050	44	25	services	service	NOUN
fsr-4050	44	26	for	for	ADP
fsr-4050	44	27	financial	financial	ADJ
fsr-4050	44	28	behaviors	behavior	NOUN
fsr-4050	44	29	(	(	PUNCT
fsr-4050	44	30	löwgren	löwgren	NOUN
fsr-4050	44	31	,	,	PUNCT
fsr-4050	44	32	2023	2023	NUM
fsr-4050	44	33	)	)	PUNCT
fsr-4050	44	34	.	.	PUNCT
fsr-4050	45	1	this	this	DET
fsr-4050	45	2	study	study	NOUN
fsr-4050	45	3	applies	apply	VERB
fsr-4050	45	4	the	the	DET
fsr-4050	45	5	tpb	tpb	NOUN
fsr-4050	45	6	(	(	PUNCT
fsr-4050	45	7	ajzen	ajzen	NOUN
fsr-4050	45	8	,	,	PUNCT
fsr-4050	45	9	1991	1991	NUM
fsr-4050	45	10	)	)	PUNCT
fsr-4050	45	11	,	,	PUNCT
fsr-4050	45	12	technology	technology	NOUN
fsr-4050	45	13	acceptance	acceptance	NOUN
fsr-4050	45	14	model	model	NOUN
fsr-4050	45	15	(	(	PUNCT
fsr-4050	45	16	tam	tam	PROPN
fsr-4050	45	17	)	)	PUNCT
fsr-4050	45	18	(	(	PUNCT
fsr-4050	45	19	davis	davis	PROPN
fsr-4050	45	20	,	,	PUNCT
fsr-4050	45	21	1989	1989	NUM
fsr-4050	45	22	;	;	PUNCT
fsr-4050	45	23	davis	davis	PROPN
fsr-4050	45	24	et	et	PROPN
fsr-4050	45	25	al	al	PROPN
fsr-4050	45	26	.	.	PROPN
fsr-4050	45	27	,	,	PUNCT
fsr-4050	45	28	1989	1989	NUM
fsr-4050	45	29	)	)	PUNCT
fsr-4050	45	30	,	,	PUNCT
fsr-4050	45	31	and	and	CCONJ
fsr-4050	45	32	unified	unified	ADJ
fsr-4050	45	33	theory	theory	NOUN
fsr-4050	45	34	of	of	ADP
fsr-4050	45	35	acceptance	acceptance	NOUN
fsr-4050	45	36	and	and	CCONJ
fsr-4050	45	37	use	use	NOUN
fsr-4050	45	38	of	of	ADP
fsr-4050	45	39	technology	technology	NOUN
fsr-4050	45	40	(	(	PUNCT
fsr-4050	45	41	utaut	utaut	PROPN
fsr-4050	45	42	)	)	PUNCT
fsr-4050	45	43	(	(	PUNCT
fsr-4050	45	44	venkatesh	venkatesh	NOUN
fsr-4050	45	45	et	et	PROPN
fsr-4050	45	46	al	al	PROPN
fsr-4050	45	47	.	.	PROPN
fsr-4050	45	48	,	,	PUNCT
fsr-4050	45	49	2003	2003	NUM
fsr-4050	45	50	)	)	PUNCT
fsr-4050	45	51	to	to	PART
fsr-4050	45	52	address	address	VERB
fsr-4050	45	53	households	household	NOUN
fsr-4050	45	54	'	'	PART
fsr-4050	45	55	adequate	adequate	ADJ
fsr-4050	45	56	emergency	emergency	NOUN
fsr-4050	45	57	fund	fund	NOUN
fsr-4050	45	58	savings	saving	NOUN
fsr-4050	45	59	while	while	SCONJ
fsr-4050	45	60	accounting	account	VERB
fsr-4050	45	61	for	for	ADP
fsr-4050	45	62	the	the	DET
fsr-4050	45	63	intention	intention	NOUN
fsr-4050	45	64	to	to	PART
fsr-4050	45	65	use	use	VERB
fsr-4050	45	66	fintech	fintech	NOUN
fsr-4050	45	67	to	to	PART
fsr-4050	45	68	accomplish	accomplish	VERB
fsr-4050	45	69	their	their	PRON
fsr-4050	45	70	savings	saving	NOUN
fsr-4050	45	71	behavior	behavior	NOUN
fsr-4050	45	72	through	through	ADP
fsr-4050	45	73	actual	actual	ADJ
fsr-4050	45	74	fintech	fintech	NOUN
fsr-4050	45	75	use	use	NOUN
fsr-4050	45	76	.	.	PUNCT
fsr-4050	46	1	using	use	VERB
fsr-4050	46	2	primary	primary	ADJ
fsr-4050	46	3	data	datum	NOUN
fsr-4050	46	4	with	with	ADP
fsr-4050	46	5	a	a	DET
fsr-4050	46	6	sample	sample	NOUN
fsr-4050	46	7	size	size	NOUN
fsr-4050	46	8	of	of	ADP
fsr-4050	46	9	453	453	NUM
fsr-4050	46	10	respondents	respondent	NOUN
fsr-4050	46	11	collected	collect	VERB
fsr-4050	46	12	from	from	ADP
fsr-4050	46	13	u.s	u.s	PROPN
fsr-4050	46	14	.	.	PROPN
fsr-4050	46	15	adults	adult	NOUN
fsr-4050	46	16	in	in	ADP
fsr-4050	46	17	july	july	PROPN
fsr-4050	46	18	2021	2021	NUM
fsr-4050	46	19	,	,	PUNCT
fsr-4050	46	20	this	this	DET
fsr-4050	46	21	study	study	NOUN
fsr-4050	46	22	examines	examine	VERB
fsr-4050	46	23	the	the	DET
fsr-4050	46	24	path	path	NOUN
fsr-4050	46	25	from	from	ADP
fsr-4050	46	26	attitudes	attitude	NOUN
fsr-4050	46	27	toward	toward	ADP
fsr-4050	46	28	adequate	adequate	ADJ
fsr-4050	46	29	emergency	emergency	NOUN
fsr-4050	46	30	fund	fund	NOUN
fsr-4050	46	31	savings	saving	NOUN
fsr-4050	46	32	,	,	PUNCT
fsr-4050	46	33	subjective	subjective	ADJ
fsr-4050	46	34	norms	norm	NOUN
fsr-4050	46	35	,	,	PUNCT
fsr-4050	46	36	and	and	CCONJ
fsr-4050	46	37	perceived	perceive	VERB
fsr-4050	46	38	behavioral	behavioral	ADJ
fsr-4050	46	39	control	control	NOUN
fsr-4050	46	40	to	to	ADP
fsr-4050	46	41	adequate	adequate	ADJ
fsr-4050	46	42	emergency	emergency	NOUN
fsr-4050	46	43	fund	fund	NOUN
fsr-4050	46	44	savings	saving	NOUN
fsr-4050	46	45	through	through	ADP
fsr-4050	46	46	the	the	DET
fsr-4050	46	47	intention	intention	NOUN
fsr-4050	46	48	to	to	PART
fsr-4050	46	49	use	use	VERB
fsr-4050	46	50	fintech	fintech	NOUN
fsr-4050	46	51	to	to	PART
fsr-4050	46	52	save	save	VERB
fsr-4050	46	53	and	and	CCONJ
fsr-4050	46	54	to	to	PART
fsr-4050	46	55	actually	actually	ADV
fsr-4050	46	56	use	use	VERB
fsr-4050	46	57	fintech	fintech	NOUN
fsr-4050	46	58	.	.	PUNCT
fsr-4050	47	1	our	our	PRON
fsr-4050	47	2	study	study	NOUN
fsr-4050	47	3	has	have	VERB
fsr-4050	47	4	two	two	NUM
fsr-4050	47	5	main	main	ADJ
fsr-4050	47	6	contributions	contribution	NOUN
fsr-4050	47	7	.	.	PUNCT
fsr-4050	48	1	first	first	ADV
fsr-4050	48	2	,	,	PUNCT
fsr-4050	48	3	it	it	PRON
fsr-4050	48	4	advances	advance	VERB
fsr-4050	48	5	the	the	DET
fsr-4050	48	6	literature	literature	NOUN
fsr-4050	48	7	on	on	ADP
fsr-4050	48	8	savings	saving	NOUN
fsr-4050	48	9	behavior	behavior	NOUN
fsr-4050	48	10	in	in	ADP
fsr-4050	48	11	personal	personal	ADJ
fsr-4050	48	12	financial	financial	ADJ
fsr-4050	48	13	planning	planning	NOUN
fsr-4050	48	14	by	by	ADP
fsr-4050	48	15	integrating	integrate	VERB
fsr-4050	48	16	the	the	DET
fsr-4050	48	17	impact	impact	NOUN
fsr-4050	48	18	of	of	ADP
fsr-4050	48	19	psychological	psychological	ADJ
fsr-4050	48	20	characteristics	characteristic	NOUN
fsr-4050	48	21	and	and	CCONJ
fsr-4050	48	22	actual	actual	ADJ
fsr-4050	48	23	fintech	fintech	NOUN
fsr-4050	48	24	use	use	NOUN
fsr-4050	48	25	.	.	PUNCT
fsr-4050	49	1	second	second	ADJ
fsr-4050	49	2	,	,	PUNCT
fsr-4050	49	3	it	it	PRON
fsr-4050	49	4	provides	provide	VERB
fsr-4050	49	5	empirical	empirical	ADJ
fsr-4050	49	6	evidence	evidence	NOUN
fsr-4050	49	7	of	of	ADP
fsr-4050	49	8	fintech	fintech	NOUN
fsr-4050	49	9	as	as	ADP
fsr-4050	49	10	a	a	DET
fsr-4050	49	11	mechanism	mechanism	NOUN
fsr-4050	49	12	to	to	PART
fsr-4050	49	13	facilitate	facilitate	VERB
fsr-4050	49	14	households	household	NOUN
fsr-4050	49	15	'	'	PART
fsr-4050	49	16	adequate	adequate	ADJ
fsr-4050	49	17	emergency	emergency	NOUN
fsr-4050	49	18	fund	fund	NOUN
fsr-4050	49	19	savings	saving	NOUN
fsr-4050	49	20	with	with	ADP
fsr-4050	49	21	practical	practical	ADJ
fsr-4050	49	22	implications	implication	NOUN
fsr-4050	49	23	.	.	PUNCT
fsr-4050	50	1	the	the	DET
fsr-4050	50	2	remainder	remainder	NOUN
fsr-4050	50	3	of	of	ADP
fsr-4050	50	4	this	this	DET
fsr-4050	50	5	paper	paper	NOUN
fsr-4050	50	6	is	be	AUX
fsr-4050	50	7	organized	organize	VERB
fsr-4050	50	8	as	as	SCONJ
fsr-4050	50	9	follows	follow	VERB
fsr-4050	50	10	.	.	PUNCT
fsr-4050	51	1	section	section	NOUN
fsr-4050	51	2	two	two	NUM
fsr-4050	51	3	reviews	review	NOUN
fsr-4050	51	4	previous	previous	ADJ
fsr-4050	51	5	literature	literature	NOUN
fsr-4050	51	6	and	and	CCONJ
fsr-4050	51	7	develops	develop	VERB
fsr-4050	51	8	a	a	DET
fsr-4050	51	9	research	research	NOUN
fsr-4050	51	10	model	model	NOUN
fsr-4050	51	11	and	and	CCONJ
fsr-4050	51	12	the	the	DET
fsr-4050	51	13	hypotheses	hypothesis	NOUN
fsr-4050	51	14	.	.	PUNCT
fsr-4050	52	1	section	section	NOUN
fsr-4050	52	2	three	three	NUM
fsr-4050	52	3	explains	explain	VERB
fsr-4050	52	4	empirical	empirical	ADJ
fsr-4050	52	5	methodology	methodology	NOUN
fsr-4050	52	6	and	and	CCONJ
fsr-4050	52	7	data	datum	NOUN
fsr-4050	52	8	analysis	analysis	NOUN
fsr-4050	52	9	.	.	PUNCT
fsr-4050	53	1	section	section	NOUN
fsr-4050	53	2	four	four	NUM
fsr-4050	53	3	presents	present	VERB
fsr-4050	53	4	empirical	empirical	ADJ
fsr-4050	53	5	results	result	NOUN
fsr-4050	53	6	.	.	PUNCT
fsr-4050	54	1	section	section	NOUN
fsr-4050	54	2	five	five	NUM
fsr-4050	54	3	discusses	discuss	VERB
fsr-4050	54	4	our	our	PRON
fsr-4050	54	5	research	research	NOUN
fsr-4050	54	6	findings	finding	NOUN
fsr-4050	54	7	.	.	PUNCT
fsr-4050	55	1	section	section	NOUN
fsr-4050	55	2	six	six	NUM
fsr-4050	55	3	concludes	conclude	VERB
fsr-4050	55	4	the	the	DET
fsr-4050	55	5	paper	paper	NOUN
fsr-4050	55	6	.	.	PUNCT
fsr-4050	56	1	theoretical	theoretical	ADJ
fsr-4050	56	2	framework	framework	NOUN
fsr-4050	56	3	and	and	CCONJ
fsr-4050	56	4	hypothesis	hypothesis	NOUN
fsr-4050	56	5	development	development	NOUN
fsr-4050	56	6	adequate	adequate	ADJ
fsr-4050	56	7	emergency	emergency	NOUN
fsr-4050	56	8	fund	fund	NOUN
fsr-4050	56	9	savings	saving	NOUN
fsr-4050	56	10	savings	saving	NOUN
fsr-4050	56	11	behavior	behavior	NOUN
fsr-4050	56	12	exists	exist	VERB
fsr-4050	56	13	when	when	SCONJ
fsr-4050	56	14	people	people	NOUN
fsr-4050	56	15	spend	spend	VERB
fsr-4050	56	16	less	less	ADJ
fsr-4050	56	17	than	than	ADP
fsr-4050	56	18	earnings	earning	NOUN
fsr-4050	56	19	(	(	PUNCT
fsr-4050	56	20	heckman	heckman	PROPN
fsr-4050	56	21	&	&	CCONJ
fsr-4050	56	22	hanna	hanna	PROPN
fsr-4050	56	23	,	,	PUNCT
fsr-4050	56	24	2015	2015	NUM
fsr-4050	56	25	)	)	PUNCT
fsr-4050	56	26	.	.	PUNCT
fsr-4050	57	1	households	household	NOUN
fsr-4050	57	2	are	be	AUX
fsr-4050	57	3	motivated	motivate	VERB
fsr-4050	57	4	by	by	ADP
fsr-4050	57	5	reserving	reserve	VERB
fsr-4050	57	6	the	the	DET
fsr-4050	57	7	excess	excess	ADJ
fsr-4050	57	8	current	current	ADJ
fsr-4050	57	9	income	income	NOUN
fsr-4050	57	10	to	to	PART
fsr-4050	57	11	smooth	smooth	VERB
fsr-4050	57	12	consumption	consumption	NOUN
fsr-4050	57	13	over	over	ADP
fsr-4050	57	14	their	their	PRON
fsr-4050	57	15	lifetime	lifetime	NOUN
fsr-4050	57	16	(	(	PUNCT
fsr-4050	57	17	ando	ando	PROPN
fsr-4050	57	18	&	&	CCONJ
fsr-4050	57	19	modigliani	modigliani	PROPN
fsr-4050	57	20	,	,	PUNCT
fsr-4050	57	21	1963	1963	NUM
fsr-4050	57	22	)	)	PUNCT
fsr-4050	57	23	.	.	PUNCT
fsr-4050	58	1	many	many	ADJ
fsr-4050	58	2	extant	extant	ADJ
fsr-4050	58	3	studies	study	NOUN
fsr-4050	58	4	have	have	AUX
fsr-4050	58	5	extended	extend	VERB
fsr-4050	58	6	topics	topic	NOUN
fsr-4050	58	7	related	relate	VERB
fsr-4050	58	8	to	to	ADP
fsr-4050	58	9	savings	saving	NOUN
fsr-4050	58	10	behavior	behavior	NOUN
fsr-4050	58	11	or	or	CCONJ
fsr-4050	58	12	wealth	wealth	NOUN
fsr-4050	58	13	accumulation	accumulation	NOUN
fsr-4050	58	14	from	from	ADP
fsr-4050	58	15	a	a	DET
fsr-4050	58	16	longterm	longterm	ADJ
fsr-4050	58	17	perspective	perspective	NOUN
fsr-4050	58	18	(	(	PUNCT
fsr-4050	58	19	anderson	anderson	PROPN
fsr-4050	58	20	et	et	PROPN
fsr-4050	58	21	al	al	PROPN
fsr-4050	58	22	.	.	PROPN
fsr-4050	58	23	,	,	PUNCT
fsr-4050	58	24	2017	2017	NUM
fsr-4050	58	25	;	;	PUNCT
fsr-4050	58	26	asebedo	asebedo	PROPN
fsr-4050	58	27	et	et	PROPN
fsr-4050	58	28	al	al	PROPN
fsr-4050	58	29	.	.	PROPN
fsr-4050	58	30	,	,	PUNCT
fsr-4050	58	31	2022	2022	NUM
fsr-4050	58	32	;	;	PUNCT
fsr-4050	58	33	bi	bi	PROPN
fsr-4050	58	34	&	&	CCONJ
fsr-4050	58	35	montalto	montalto	PROPN
fsr-4050	58	36	,	,	PUNCT
fsr-4050	58	37	2004	2004	NUM
fsr-4050	58	38	;	;	PUNCT
fsr-4050	58	39	cole	cole	PROPN
fsr-4050	58	40	et	et	PROPN
fsr-4050	58	41	al	al	PROPN
fsr-4050	58	42	.	.	PROPN
fsr-4050	58	43	,	,	PUNCT
fsr-4050	58	44	1992	1992	NUM
fsr-4050	58	45	;	;	PUNCT
fsr-4050	58	46	ouma	ouma	PROPN
fsr-4050	58	47	et	et	PROPN
fsr-4050	58	48	al	al	PROPN
fsr-4050	58	49	.	.	PROPN
fsr-4050	58	50	,	,	PUNCT
fsr-4050	58	51	2017	2017	NUM
fsr-4050	58	52	;	;	PUNCT
fsr-4050	58	53	peiris	peiris	NOUN
fsr-4050	58	54	,	,	PUNCT
fsr-4050	58	55	2021	2021	NUM
fsr-4050	58	56	;	;	PUNCT
fsr-4050	58	57	shefrin	shefrin	NOUN
fsr-4050	58	58	&	&	CCONJ
fsr-4050	58	59	thaler	thaler	PROPN
fsr-4050	58	60	,	,	PUNCT
fsr-4050	58	61	1988	1988	NUM
fsr-4050	58	62	;	;	PUNCT
fsr-4050	58	63	strömbäck	strömbäck	PROPN
fsr-4050	58	64	et	et	PROPN
fsr-4050	58	65	al	al	PROPN
fsr-4050	58	66	.	.	PROPN
fsr-4050	58	67	,	,	PUNCT
fsr-4050	58	68	2017	2017	NUM
fsr-4050	58	69	)	)	PUNCT
fsr-4050	58	70	.	.	PUNCT
fsr-4050	59	1	built	build	VERB
fsr-4050	59	2	upon	upon	SCONJ
fsr-4050	59	3	the	the	DET
fsr-4050	59	4	economic	economic	ADJ
fsr-4050	59	5	theory	theory	NOUN
fsr-4050	59	6	of	of	ADP
fsr-4050	59	7	savings	saving	NOUN
fsr-4050	59	8	,	,	PUNCT
fsr-4050	59	9	heckman	heckman	PROPN
fsr-4050	59	10	and	and	CCONJ
fsr-4050	59	11	hanna	hanna	PROPN
fsr-4050	59	12	(	(	PUNCT
fsr-4050	59	13	2015	2015	NUM
fsr-4050	59	14	)	)	PUNCT
fsr-4050	59	15	proposed	proposed	AUX
fsr-4050	59	16	that	that	SCONJ
fsr-4050	59	17	social	social	ADJ
fsr-4050	59	18	impacts	impact	NOUN
fsr-4050	59	19	and	and	CCONJ
fsr-4050	59	20	psychological	psychological	ADJ
fsr-4050	59	21	factors	factor	NOUN
fsr-4050	59	22	combined	combine	VERB
fsr-4050	59	23	with	with	ADP
fsr-4050	59	24	financial	financial	ADJ
fsr-4050	59	25	access	access	NOUN
fsr-4050	59	26	,	,	PUNCT
fsr-4050	59	27	incentives	incentive	NOUN
fsr-4050	59	28	,	,	PUNCT
fsr-4050	59	29	and	and	CCONJ
fsr-4050	59	30	facilitations	facilitation	NOUN
fsr-4050	59	31	might	might	AUX
fsr-4050	59	32	encourage	encourage	VERB
fsr-4050	59	33	savings	saving	NOUN
fsr-4050	59	34	behavior	behavior	NOUN
fsr-4050	59	35	among	among	ADP
fsr-4050	59	36	low	low	ADJ
fsr-4050	59	37	-	-	PUNCT
fsr-4050	59	38	income	income	NOUN
fsr-4050	59	39	households	household	NOUN
fsr-4050	59	40	.	.	PUNCT
fsr-4050	60	1	asebedo	asebedo	PROPN
fsr-4050	60	2	et	et	PROPN
fsr-4050	60	3	al	al	PROPN
fsr-4050	60	4	.	.	PROPN
fsr-4050	61	1	(	(	PUNCT
fsr-4050	61	2	2019	2019	NUM
fsr-4050	61	3	)	)	PUNCT
fsr-4050	61	4	found	find	VERB
fsr-4050	61	5	that	that	SCONJ
fsr-4050	61	6	financial	financial	ADJ
fsr-4050	61	7	self	self	NOUN
fsr-4050	61	8	-	-	PUNCT
fsr-4050	61	9	efficacy	efficacy	NOUN
fsr-4050	61	10	(	(	PUNCT
fsr-4050	61	11	fse	fse	PROPN
fsr-4050	61	12	)	)	PUNCT
fsr-4050	61	13	explained	explain	VERB
fsr-4050	61	14	savings	saving	NOUN
fsr-4050	61	15	behavior	behavior	NOUN
fsr-4050	61	16	among	among	ADP
fsr-4050	61	17	u.s	u.s	PROPN
fsr-4050	61	18	.	.	PROPN
fsr-4050	61	19	older	old	ADJ
fsr-4050	61	20	adults	adult	NOUN
fsr-4050	61	21	.	.	PUNCT
fsr-4050	62	1	in	in	ADP
fsr-4050	62	2	other	other	ADJ
fsr-4050	62	3	words	word	NOUN
fsr-4050	62	4	,	,	PUNCT
fsr-4050	62	5	people	people	NOUN
fsr-4050	62	6	who	who	PRON
fsr-4050	62	7	reported	report	VERB
fsr-4050	62	8	more	more	ADJ
fsr-4050	62	9	control	control	NOUN
fsr-4050	62	10	over	over	ADP
fsr-4050	62	11	their	their	PRON
fsr-4050	62	12	financial	financial	ADJ
fsr-4050	62	13	situation	situation	NOUN
fsr-4050	62	14	tended	tend	VERB
fsr-4050	62	15	to	to	PART
fsr-4050	62	16	save	save	VERB
fsr-4050	62	17	more	more	ADJ
fsr-4050	62	18	.	.	PUNCT
fsr-4050	63	1	similarly	similarly	ADV
fsr-4050	63	2	,	,	PUNCT
fsr-4050	63	3	applying	apply	VERB
fsr-4050	63	4	the	the	DET
fsr-4050	63	5	social	social	ADJ
fsr-4050	63	6	cognitive	cognitive	ADJ
fsr-4050	63	7	theory	theory	NOUN
fsr-4050	63	8	of	of	ADP
fsr-4050	63	9	selfregulation	selfregulation	NOUN
fsr-4050	63	10	,	,	PUNCT
fsr-4050	63	11	asebedo	asebedo	PROPN
fsr-4050	63	12	and	and	CCONJ
fsr-4050	63	13	seay	seay	PROPN
fsr-4050	63	14	(	(	PUNCT
fsr-4050	63	15	2018	2018	NUM
fsr-4050	63	16	)	)	PUNCT
fsr-4050	63	17	found	find	VERB
fsr-4050	63	18	that	that	SCONJ
fsr-4050	63	19	fse	fse	PROPN
fsr-4050	63	20	was	be	AUX
fsr-4050	63	21	associated	associate	VERB
fsr-4050	63	22	with	with	ADP
fsr-4050	63	23	increased	increase	VERB
fsr-4050	63	24	wealth	wealth	NOUN
fsr-4050	63	25	accumulation	accumulation	NOUN
fsr-4050	63	26	among	among	ADP
fsr-4050	63	27	u.s	u.s	PROPN
fsr-4050	63	28	.	.	PROPN
fsr-4050	63	29	pre	pre	NOUN
fsr-4050	63	30	-	-	NOUN
fsr-4050	63	31	retirees	retiree	NOUN
fsr-4050	63	32	.	.	PUNCT
fsr-4050	64	1	from	from	ADP
fsr-4050	64	2	a	a	DET
fsr-4050	64	3	short	short	ADJ
fsr-4050	64	4	-	-	PUNCT
fsr-4050	64	5	term	term	NOUN
fsr-4050	64	6	perspective	perspective	NOUN
fsr-4050	64	7	,	,	PUNCT
fsr-4050	64	8	leland	leland	PROPN
fsr-4050	64	9	(	(	PUNCT
fsr-4050	64	10	1968	1968	NUM
fsr-4050	64	11	)	)	PUNCT
fsr-4050	64	12	proposed	propose	VERB
fsr-4050	64	13	that	that	SCONJ
fsr-4050	64	14	individuals	individual	NOUN
fsr-4050	64	15	were	be	AUX
fsr-4050	64	16	motivated	motivate	VERB
fsr-4050	64	17	to	to	PART
fsr-4050	64	18	make	make	VERB
fsr-4050	64	19	financial	financial	ADJ
fsr-4050	64	20	decisions	decision	NOUN
fsr-4050	64	21	between	between	ADP
fsr-4050	64	22	savings	saving	NOUN
fsr-4050	64	23	and	and	CCONJ
fsr-4050	64	24	consumption	consumption	NOUN
fsr-4050	64	25	based	base	VERB
fsr-4050	64	26	on	on	ADP
fsr-4050	64	27	their	their	PRON
fsr-4050	64	28	current	current	ADJ
fsr-4050	64	29	and	and	CCONJ
fsr-4050	64	30	expected	expect	VERB
fsr-4050	64	31	future	future	ADJ
fsr-4050	64	32	income	income	NOUN
fsr-4050	64	33	strains	strain	VERB
fsr-4050	64	34	in	in	ADP
fsr-4050	64	35	accounting	account	VERB
fsr-4050	64	36	for	for	ADP
fsr-4050	64	37	the	the	DET
fsr-4050	64	38	uncertainty	uncertainty	NOUN
fsr-4050	64	39	about	about	ADP
fsr-4050	64	40	the	the	DET
fsr-4050	64	41	future	future	NOUN
fsr-4050	64	42	.	.	PUNCT
fsr-4050	65	1	skinner	skinner	PROPN
fsr-4050	65	2	(	(	PUNCT
fsr-4050	65	3	1988	1988	NUM
fsr-4050	65	4	)	)	PUNCT
fsr-4050	65	5	proposed	propose	VERB
fsr-4050	65	6	that	that	SCONJ
fsr-4050	65	7	the	the	DET
fsr-4050	65	8	accumulated	accumulate	VERB
fsr-4050	65	9	precautionary	precautionary	ADJ
fsr-4050	65	10	savings	saving	NOUN
fsr-4050	65	11	to	to	PART
fsr-4050	65	12	protect	protect	VERB
fsr-4050	65	13	against	against	ADP
fsr-4050	65	14	future	future	ADJ
fsr-4050	65	15	income	income	NOUN
fsr-4050	65	16	shocks	shock	NOUN
fsr-4050	65	17	accounted	account	VERB
fsr-4050	65	18	for	for	ADP
fsr-4050	65	19	a	a	DET
fsr-4050	65	20	large	large	ADJ
fsr-4050	65	21	portion	portion	NOUN
fsr-4050	65	22	of	of	ADP
fsr-4050	65	23	accumulated	accumulate	VERB
fsr-4050	65	24	capital	capital	NOUN
fsr-4050	65	25	.	.	PUNCT
fsr-4050	66	1	chase	chase	PROPN
fsr-4050	66	2	et	et	PROPN
fsr-4050	66	3	al	al	PROPN
fsr-4050	66	4	.	.	PROPN
fsr-4050	67	1	(	(	PUNCT
fsr-4050	67	2	2011	2011	NUM
fsr-4050	67	3	)	)	PUNCT
fsr-4050	67	4	summarized	summarize	VERB
fsr-4050	67	5	that	that	SCONJ
fsr-4050	67	6	emergency	emergency	NOUN
fsr-4050	67	7	fund	fund	NOUN
fsr-4050	67	8	savings	saving	NOUN
fsr-4050	67	9	differed	differ	VERB
fsr-4050	67	10	from	from	ADP
fsr-4050	67	11	precautionary	precautionary	ADJ
fsr-4050	67	12	savings	saving	NOUN
fsr-4050	67	13	.	.	PUNCT
fsr-4050	68	1	precautionary	precautionary	ADJ
fsr-4050	68	2	savings	saving	NOUN
fsr-4050	68	3	are	be	AUX
fsr-4050	68	4	assets	asset	NOUN
fsr-4050	68	5	set	set	VERB
fsr-4050	68	6	aside	aside	ADV
fsr-4050	68	7	to	to	PART
fsr-4050	68	8	respond	respond	VERB
fsr-4050	68	9	to	to	ADP
fsr-4050	68	10	income	income	NOUN
fsr-4050	68	11	shocks	shock	NOUN
fsr-4050	68	12	,	,	PUNCT
fsr-4050	68	13	such	such	ADJ
fsr-4050	68	14	as	as	ADP
fsr-4050	68	15	unemployment	unemployment	NOUN
fsr-4050	68	16	and	and	CCONJ
fsr-4050	68	17	pay	pay	NOUN
fsr-4050	68	18	cuts	cut	NOUN
fsr-4050	68	19	;	;	PUNCT
fsr-4050	68	20	emergency	emergency	NOUN
fsr-4050	68	21	fund	fund	NOUN
fsr-4050	68	22	savings	saving	NOUN
fsr-4050	68	23	are	be	AUX
fsr-4050	68	24	money	money	NOUN
fsr-4050	68	25	set	set	VERB
fsr-4050	68	26	aside	aside	ADV
fsr-4050	68	27	to	to	PART
fsr-4050	68	28	respond	respond	VERB
fsr-4050	68	29	to	to	ADP
fsr-4050	68	30	medical	medical	ADJ
fsr-4050	68	31	or	or	CCONJ
fsr-4050	68	32	dental	dental	ADJ
fsr-4050	68	33	expenses	expense	NOUN
fsr-4050	68	34	and	and	CCONJ
fsr-4050	68	35	household	household	NOUN
fsr-4050	68	36	expenses	expense	NOUN
fsr-4050	68	37	(	(	PUNCT
fsr-4050	68	38	i.e.	i.e.	X
fsr-4050	68	39	,	,	PUNCT
fsr-4050	68	40	auto	auto	NOUN
fsr-4050	68	41	and	and	CCONJ
fsr-4050	68	42	home	home	NOUN
fsr-4050	68	43	repairs	repair	NOUN
fsr-4050	68	44	)	)	PUNCT
fsr-4050	68	45	.	.	PUNCT
fsr-4050	69	1	as	as	SCONJ
fsr-4050	69	2	mentioned	mention	VERB
fsr-4050	69	3	,	,	PUNCT
fsr-4050	69	4	a	a	DET
fsr-4050	69	5	stricter	strict	ADJ
fsr-4050	69	6	definition	definition	NOUN
fsr-4050	69	7	of	of	ADP
fsr-4050	69	8	adequate	adequate	ADJ
fsr-4050	69	9	emergency	emergency	NOUN
fsr-4050	69	10	fund	fund	NOUN
fsr-4050	69	11	savings	saving	NOUN
fsr-4050	69	12	is	be	AUX
fsr-4050	69	13	similar	similar	ADJ
fsr-4050	69	14	to	to	ADP
fsr-4050	69	15	the	the	DET
fsr-4050	69	16	precautionary	precautionary	ADJ
fsr-4050	69	17	savings	saving	NOUN
fsr-4050	69	18	chen	chen	PROPN
fsr-4050	69	19	et	et	PROPN
fsr-4050	69	20	al	al	PROPN
fsr-4050	69	21	.	.	PROPN
fsr-4050	69	22	23	23	NUM
fsr-4050	69	23	recommended	recommend	VERB
fsr-4050	69	24	to	to	PART
fsr-4050	69	25	save	save	VERB
fsr-4050	69	26	at	at	ADV
fsr-4050	69	27	least	least	ADV
fsr-4050	69	28	three	three	NUM
fsr-4050	69	29	months	month	NOUN
fsr-4050	69	30	equivalent	equivalent	ADJ
fsr-4050	69	31	of	of	ADP
fsr-4050	69	32	living	living	NOUN
fsr-4050	69	33	expenses	expense	NOUN
fsr-4050	69	34	.	.	PUNCT
fsr-4050	70	1	emergency	emergency	NOUN
fsr-4050	70	2	fund	fund	NOUN
fsr-4050	70	3	savings	saving	NOUN
fsr-4050	70	4	are	be	AUX
fsr-4050	70	5	short	short	ADJ
fsr-4050	70	6	-	-	PUNCT
fsr-4050	70	7	term	term	NOUN
fsr-4050	70	8	money	money	NOUN
fsr-4050	70	9	reserves	reserve	NOUN
fsr-4050	70	10	earmarked	earmark	VERB
fsr-4050	70	11	for	for	ADP
fsr-4050	70	12	unexpected	unexpected	ADJ
fsr-4050	70	13	events	event	NOUN
fsr-4050	70	14	(	(	PUNCT
fsr-4050	70	15	chase	chase	NOUN
fsr-4050	70	16	et	et	PROPN
fsr-4050	70	17	al	al	PROPN
fsr-4050	70	18	.	.	PROPN
fsr-4050	70	19	,	,	PUNCT
fsr-4050	70	20	2011	2011	NUM
fsr-4050	70	21	)	)	PUNCT
fsr-4050	70	22	.	.	PUNCT
fsr-4050	71	1	johnson	johnson	PROPN
fsr-4050	71	2	and	and	CCONJ
fsr-4050	71	3	widdows	widdow	NOUN
fsr-4050	71	4	(	(	PUNCT
fsr-4050	71	5	1985	1985	NUM
fsr-4050	71	6	)	)	PUNCT
fsr-4050	71	7	suggested	suggest	VERB
fsr-4050	71	8	that	that	SCONJ
fsr-4050	71	9	emergency	emergency	NOUN
fsr-4050	71	10	fund	fund	NOUN
fsr-4050	71	11	savings	saving	NOUN
fsr-4050	71	12	be	be	VERB
fsr-4050	71	13	equivalent	equivalent	ADJ
fsr-4050	71	14	to	to	ADP
fsr-4050	71	15	two	two	NUM
fsr-4050	71	16	to	to	PART
fsr-4050	71	17	six	six	NUM
fsr-4050	71	18	months	month	NOUN
fsr-4050	71	19	of	of	ADP
fsr-4050	71	20	living	living	NOUN
fsr-4050	71	21	expenses	expense	NOUN
fsr-4050	71	22	to	to	PART
fsr-4050	71	23	cover	cover	VERB
fsr-4050	71	24	income	income	NOUN
fsr-4050	71	25	shocks	shock	NOUN
fsr-4050	71	26	.	.	PUNCT
fsr-4050	72	1	there	there	PRON
fsr-4050	72	2	are	be	VERB
fsr-4050	72	3	two	two	NUM
fsr-4050	72	4	main	main	ADJ
fsr-4050	72	5	emergency	emergency	NOUN
fsr-4050	72	6	fund	fund	NOUN
fsr-4050	72	7	measures	measure	NOUN
fsr-4050	72	8	present	present	ADJ
fsr-4050	72	9	in	in	ADP
fsr-4050	72	10	the	the	DET
fsr-4050	72	11	literature	literature	NOUN
fsr-4050	72	12	:	:	PUNCT
fsr-4050	72	13	(	(	PUNCT
fsr-4050	72	14	a	a	X
fsr-4050	72	15	)	)	PUNCT
fsr-4050	72	16	a	a	DET
fsr-4050	72	17	dichotomous	dichotomous	ADJ
fsr-4050	72	18	measure	measure	NOUN
fsr-4050	72	19	indicating	indicate	VERB
fsr-4050	72	20	whether	whether	SCONJ
fsr-4050	72	21	an	an	DET
fsr-4050	72	22	adequate	adequate	ADJ
fsr-4050	72	23	emergency	emergency	NOUN
fsr-4050	72	24	fund	fund	NOUN
fsr-4050	72	25	savings	saving	NOUN
fsr-4050	72	26	account	account	NOUN
fsr-4050	72	27	exists	exist	VERB
fsr-4050	72	28	(	(	PUNCT
fsr-4050	72	29	johnson	johnson	PROPN
fsr-4050	72	30	&	&	CCONJ
fsr-4050	72	31	widdows	widdows	PROPN
fsr-4050	72	32	,	,	PUNCT
fsr-4050	72	33	1985	1985	NUM
fsr-4050	72	34	)	)	PUNCT
fsr-4050	72	35	,	,	PUNCT
fsr-4050	72	36	and	and	CCONJ
fsr-4050	72	37	(	(	PUNCT
fsr-4050	72	38	b	b	X
fsr-4050	72	39	)	)	PUNCT
fsr-4050	72	40	a	a	DET
fsr-4050	72	41	continuous	continuous	ADJ
fsr-4050	72	42	measure	measure	NOUN
fsr-4050	72	43	of	of	ADP
fsr-4050	72	44	the	the	DET
fsr-4050	72	45	actual	actual	ADJ
fsr-4050	72	46	dollar	dollar	NOUN
fsr-4050	72	47	amount	amount	NOUN
fsr-4050	72	48	of	of	ADP
fsr-4050	72	49	emergency	emergency	NOUN
fsr-4050	72	50	fund	fund	NOUN
fsr-4050	72	51	savings	saving	NOUN
fsr-4050	72	52	(	(	PUNCT
fsr-4050	72	53	anong	anong	PROPN
fsr-4050	72	54	&	&	CCONJ
fsr-4050	72	55	devaney	devaney	PROPN
fsr-4050	72	56	,	,	PUNCT
fsr-4050	72	57	2010	2010	NUM
fsr-4050	72	58	;	;	PUNCT
fsr-4050	72	59	bi	bi	PROPN
fsr-4050	72	60	&	&	CCONJ
fsr-4050	72	61	montalto	montalto	PROPN
fsr-4050	72	62	,	,	PUNCT
fsr-4050	72	63	2004	2004	NUM
fsr-4050	72	64	;	;	PUNCT
fsr-4050	72	65	brobeck	brobeck	NOUN
fsr-4050	72	66	,	,	PUNCT
fsr-4050	72	67	2008	2008	NUM
fsr-4050	72	68	;	;	PUNCT
fsr-4050	72	69	gjertson	gjertson	NOUN
fsr-4050	72	70	,	,	PUNCT
fsr-4050	72	71	2016	2016	NUM
fsr-4050	72	72	)	)	PUNCT
fsr-4050	72	73	.	.	PUNCT
fsr-4050	73	1	precautionary	precautionary	ADJ
fsr-4050	73	2	savings	saving	NOUN
fsr-4050	73	3	and	and	CCONJ
fsr-4050	73	4	emergency	emergency	NOUN
fsr-4050	73	5	fund	fund	NOUN
fsr-4050	73	6	savings	saving	NOUN
fsr-4050	73	7	have	have	AUX
fsr-4050	73	8	been	be	AUX
fsr-4050	73	9	used	use	VERB
fsr-4050	73	10	interchangeably	interchangeably	ADV
fsr-4050	73	11	.	.	PUNCT
fsr-4050	74	1	the	the	DET
fsr-4050	74	2	current	current	ADJ
fsr-4050	74	3	study	study	NOUN
fsr-4050	74	4	followed	follow	VERB
fsr-4050	74	5	the	the	DET
fsr-4050	74	6	definition	definition	NOUN
fsr-4050	74	7	of	of	ADP
fsr-4050	74	8	adequate	adequate	ADJ
fsr-4050	74	9	emergency	emergency	NOUN
fsr-4050	74	10	fund	fund	NOUN
fsr-4050	74	11	savings	saving	NOUN
fsr-4050	74	12	to	to	PART
fsr-4050	74	13	cover	cover	VERB
fsr-4050	74	14	unexpected	unexpected	ADJ
fsr-4050	74	15	events	event	NOUN
fsr-4050	74	16	,	,	PUNCT
fsr-4050	74	17	such	such	ADJ
fsr-4050	74	18	as	as	ADP
fsr-4050	74	19	layoffs	layoff	NOUN
fsr-4050	74	20	,	,	PUNCT
fsr-4050	74	21	medical	medical	ADJ
fsr-4050	74	22	expenses	expense	NOUN
fsr-4050	74	23	,	,	PUNCT
fsr-4050	74	24	and	and	CCONJ
fsr-4050	74	25	repairs	repair	NOUN
fsr-4050	74	26	for	for	ADP
fsr-4050	74	27	at	at	ADV
fsr-4050	74	28	least	least	ADV
fsr-4050	74	29	three	three	NUM
fsr-4050	74	30	months	month	NOUN
fsr-4050	74	31	of	of	ADP
fsr-4050	74	32	living	living	NOUN
fsr-4050	74	33	expenses	expense	NOUN
fsr-4050	74	34	.	.	PUNCT
fsr-4050	75	1	researchers	researcher	NOUN
fsr-4050	75	2	have	have	AUX
fsr-4050	75	3	been	be	AUX
fsr-4050	75	4	investigating	investigate	VERB
fsr-4050	75	5	the	the	DET
fsr-4050	75	6	factors	factor	NOUN
fsr-4050	75	7	associated	associate	VERB
fsr-4050	75	8	with	with	ADP
fsr-4050	75	9	short	short	ADJ
fsr-4050	75	10	-	-	PUNCT
fsr-4050	75	11	term	term	NOUN
fsr-4050	75	12	emergency	emergency	NOUN
fsr-4050	75	13	fund	fund	NOUN
fsr-4050	75	14	savings	saving	NOUN
fsr-4050	75	15	(	(	PUNCT
fsr-4050	75	16	chase	chase	PROPN
fsr-4050	75	17	et	et	PROPN
fsr-4050	75	18	al	al	PROPN
fsr-4050	75	19	.	.	PROPN
fsr-4050	75	20	,	,	PUNCT
fsr-4050	75	21	2011	2011	NUM
fsr-4050	75	22	;	;	PUNCT
fsr-4050	75	23	despard	despard	NOUN
fsr-4050	75	24	&	&	CCONJ
fsr-4050	75	25	roll	roll	PROPN
fsr-4050	75	26	,	,	PUNCT
fsr-4050	75	27	2024	2024	NUM
fsr-4050	75	28	)	)	PUNCT
fsr-4050	75	29	.	.	PUNCT
fsr-4050	76	1	firstly	firstly	ADV
fsr-4050	76	2	,	,	PUNCT
fsr-4050	76	3	previous	previous	ADJ
fsr-4050	76	4	empirical	empirical	ADJ
fsr-4050	76	5	studies	study	NOUN
fsr-4050	76	6	have	have	AUX
fsr-4050	76	7	shown	show	VERB
fsr-4050	76	8	that	that	SCONJ
fsr-4050	76	9	financial	financial	ADJ
fsr-4050	76	10	factors	factor	NOUN
fsr-4050	76	11	affect	affect	VERB
fsr-4050	76	12	households	household	NOUN
fsr-4050	76	13	'	'	PART
fsr-4050	76	14	adequate	adequate	ADJ
fsr-4050	76	15	emergency	emergency	NOUN
fsr-4050	76	16	fund	fund	NOUN
fsr-4050	76	17	savings	saving	NOUN
fsr-4050	76	18	(	(	PUNCT
fsr-4050	76	19	brobeck	brobeck	NOUN
fsr-4050	76	20	,	,	PUNCT
fsr-4050	76	21	2008	2008	NUM
fsr-4050	76	22	;	;	PUNCT
fsr-4050	76	23	satsios	satsio	NOUN
fsr-4050	76	24	et	et	PROPN
fsr-4050	76	25	al	al	PROPN
fsr-4050	76	26	.	.	PROPN
fsr-4050	76	27	,	,	PUNCT
fsr-4050	76	28	2020	2020	NUM
fsr-4050	76	29	)	)	PUNCT
fsr-4050	76	30	.	.	PUNCT
fsr-4050	77	1	for	for	ADP
fsr-4050	77	2	example	example	NOUN
fsr-4050	77	3	,	,	PUNCT
fsr-4050	77	4	income	income	NOUN
fsr-4050	77	5	was	be	AUX
fsr-4050	77	6	positively	positively	ADV
fsr-4050	77	7	associated	associate	VERB
fsr-4050	77	8	with	with	ADP
fsr-4050	77	9	adequate	adequate	ADJ
fsr-4050	77	10	emergency	emergency	NOUN
fsr-4050	77	11	fund	fund	NOUN
fsr-4050	77	12	savings	saving	NOUN
fsr-4050	77	13	(	(	PUNCT
fsr-4050	77	14	babiarz	babiarz	PROPN
fsr-4050	77	15	&	&	CCONJ
fsr-4050	77	16	robb	robb	PROPN
fsr-4050	77	17	,	,	PUNCT
fsr-4050	77	18	2014	2014	NUM
fsr-4050	77	19	)	)	PUNCT
fsr-4050	77	20	.	.	PUNCT
fsr-4050	78	1	bank	bank	PROPN
fsr-4050	78	2	account	account	PROPN
fsr-4050	78	3	ownership	ownership	NOUN
fsr-4050	78	4	strongly	strongly	ADV
fsr-4050	78	5	predicted	predict	VERB
fsr-4050	78	6	short	short	ADJ
fsr-4050	78	7	-	-	PUNCT
fsr-4050	78	8	term	term	NOUN
fsr-4050	78	9	savings	saving	NOUN
fsr-4050	78	10	,	,	PUNCT
fsr-4050	78	11	such	such	ADJ
fsr-4050	78	12	as	as	ADP
fsr-4050	78	13	emergency	emergency	NOUN
fsr-4050	78	14	fund	fund	NOUN
fsr-4050	78	15	savings	saving	NOUN
fsr-4050	78	16	with	with	ADP
fsr-4050	78	17	at	at	ADV
fsr-4050	78	18	least	least	ADV
fsr-4050	78	19	three	three	NUM
fsr-4050	78	20	months	month	NOUN
fsr-4050	78	21	of	of	ADP
fsr-4050	78	22	living	living	NOUN
fsr-4050	78	23	expenses	expense	NOUN
fsr-4050	78	24	(	(	PUNCT
fsr-4050	78	25	despard	despard	ADJ
fsr-4050	78	26	et	et	PROPN
fsr-4050	78	27	al	al	PROPN
fsr-4050	78	28	.	.	PROPN
fsr-4050	78	29	,	,	PUNCT
fsr-4050	78	30	2020	2020	NUM
fsr-4050	78	31	)	)	PUNCT
fsr-4050	78	32	.	.	PUNCT
fsr-4050	79	1	secondly	secondly	ADV
fsr-4050	79	2	,	,	PUNCT
fsr-4050	79	3	researchers	researcher	NOUN
fsr-4050	79	4	have	have	AUX
fsr-4050	79	5	investigated	investigate	VERB
fsr-4050	79	6	the	the	DET
fsr-4050	79	7	impact	impact	NOUN
fsr-4050	79	8	of	of	ADP
fsr-4050	79	9	objective	objective	ADJ
fsr-4050	79	10	and	and	CCONJ
fsr-4050	79	11	subjective	subjective	ADJ
fsr-4050	79	12	financial	financial	ADJ
fsr-4050	79	13	knowledge	knowledge	NOUN
fsr-4050	79	14	on	on	ADP
fsr-4050	79	15	short	short	ADJ
fsr-4050	79	16	-	-	PUNCT
fsr-4050	79	17	term	term	NOUN
fsr-4050	79	18	financial	financial	ADJ
fsr-4050	79	19	behaviors	behavior	NOUN
fsr-4050	79	20	and	and	CCONJ
fsr-4050	79	21	found	find	VERB
fsr-4050	79	22	mixed	mixed	ADJ
fsr-4050	79	23	results	result	NOUN
fsr-4050	79	24	(	(	PUNCT
fsr-4050	79	25	tang	tang	PROPN
fsr-4050	79	26	&	&	CCONJ
fsr-4050	79	27	baker	baker	PROPN
fsr-4050	79	28	,	,	PUNCT
fsr-4050	79	29	2016	2016	NUM
fsr-4050	79	30	)	)	PUNCT
fsr-4050	79	31	.	.	PUNCT
fsr-4050	80	1	for	for	ADP
fsr-4050	80	2	example	example	NOUN
fsr-4050	80	3	,	,	PUNCT
fsr-4050	80	4	fan	fan	PROPN
fsr-4050	80	5	and	and	CCONJ
fsr-4050	80	6	zhang	zhang	PROPN
fsr-4050	80	7	(	(	PUNCT
fsr-4050	80	8	2021	2021	NUM
fsr-4050	80	9	)	)	PUNCT
fsr-4050	80	10	found	find	VERB
fsr-4050	80	11	that	that	SCONJ
fsr-4050	80	12	objective	objective	ADJ
fsr-4050	80	13	and	and	CCONJ
fsr-4050	80	14	subjective	subjective	ADJ
fsr-4050	80	15	financial	financial	ADJ
fsr-4050	80	16	knowledge	knowledge	NOUN
fsr-4050	80	17	were	be	AUX
fsr-4050	80	18	positively	positively	ADV
fsr-4050	80	19	associated	associate	VERB
fsr-4050	80	20	with	with	ADP
fsr-4050	80	21	emergency	emergency	NOUN
fsr-4050	80	22	fund	fund	NOUN
fsr-4050	80	23	savings	saving	NOUN
fsr-4050	80	24	.	.	PUNCT
fsr-4050	81	1	henager	henag	ADJ
fsr-4050	81	2	and	and	CCONJ
fsr-4050	81	3	cude	cude	ADJ
fsr-4050	81	4	(	(	PUNCT
fsr-4050	81	5	2016	2016	NUM
fsr-4050	81	6	)	)	PUNCT
fsr-4050	81	7	found	find	VERB
fsr-4050	81	8	similar	similar	ADJ
fsr-4050	81	9	results	result	NOUN
fsr-4050	81	10	and	and	CCONJ
fsr-4050	81	11	indicated	indicate	VERB
fsr-4050	81	12	that	that	SCONJ
fsr-4050	81	13	subjective	subjective	ADJ
fsr-4050	81	14	financial	financial	ADJ
fsr-4050	81	15	knowledge	knowledge	NOUN
fsr-4050	81	16	was	be	AUX
fsr-4050	81	17	more	more	ADV
fsr-4050	81	18	strongly	strongly	ADV
fsr-4050	81	19	associated	associate	VERB
fsr-4050	81	20	with	with	ADP
fsr-4050	81	21	emergency	emergency	NOUN
fsr-4050	81	22	fund	fund	NOUN
fsr-4050	81	23	savings	saving	NOUN
fsr-4050	81	24	in	in	ADP
fsr-4050	81	25	younger	young	ADJ
fsr-4050	81	26	age	age	NOUN
fsr-4050	81	27	groups	group	NOUN
fsr-4050	81	28	.	.	PUNCT
fsr-4050	82	1	in	in	ADP
fsr-4050	82	2	comparison	comparison	NOUN
fsr-4050	82	3	,	,	PUNCT
fsr-4050	82	4	objective	objective	ADJ
fsr-4050	82	5	financial	financial	ADJ
fsr-4050	82	6	knowledge	knowledge	NOUN
fsr-4050	82	7	substantially	substantially	ADV
fsr-4050	82	8	impacted	impact	VERB
fsr-4050	82	9	emergency	emergency	NOUN
fsr-4050	82	10	fund	fund	NOUN
fsr-4050	82	11	savings	saving	NOUN
fsr-4050	82	12	in	in	ADP
fsr-4050	82	13	older	old	ADJ
fsr-4050	82	14	age	age	NOUN
fsr-4050	82	15	groups	group	NOUN
fsr-4050	82	16	.	.	PUNCT
fsr-4050	83	1	other	other	ADJ
fsr-4050	83	2	studies	study	NOUN
fsr-4050	83	3	found	find	VERB
fsr-4050	83	4	that	that	SCONJ
fsr-4050	83	5	only	only	ADV
fsr-4050	83	6	subjective	subjective	ADJ
fsr-4050	83	7	financial	financial	ADJ
fsr-4050	83	8	knowledge	knowledge	NOUN
fsr-4050	83	9	was	be	AUX
fsr-4050	83	10	positively	positively	ADV
fsr-4050	83	11	associated	associate	VERB
fsr-4050	83	12	with	with	ADP
fsr-4050	83	13	adequate	adequate	ADJ
fsr-4050	83	14	emergency	emergency	NOUN
fsr-4050	83	15	fund	fund	NOUN
fsr-4050	83	16	savings	saving	NOUN
fsr-4050	83	17	(	(	PUNCT
fsr-4050	83	18	babiarz	babiarz	PROPN
fsr-4050	83	19	&	&	CCONJ
fsr-4050	83	20	robb	robb	PROPN
fsr-4050	83	21	,	,	PUNCT
fsr-4050	83	22	2014	2014	NUM
fsr-4050	83	23	;	;	PUNCT
fsr-4050	83	24	chen	chen	PROPN
fsr-4050	83	25	et	et	PROPN
fsr-4050	83	26	al	al	PROPN
fsr-4050	83	27	.	.	PROPN
fsr-4050	83	28	,	,	PUNCT
fsr-4050	83	29	2024	2024	NUM
fsr-4050	83	30	;	;	PUNCT
fsr-4050	83	31	despard	despard	NOUN
fsr-4050	83	32	et	et	PROPN
fsr-4050	83	33	al	al	PROPN
fsr-4050	83	34	.	.	PROPN
fsr-4050	83	35	,	,	PUNCT
fsr-4050	83	36	2020	2020	NUM
fsr-4050	83	37	;	;	PUNCT
fsr-4050	83	38	ismail	ismail	PROPN
fsr-4050	83	39	et	et	PROPN
fsr-4050	83	40	al	al	PROPN
fsr-4050	83	41	.	.	PROPN
fsr-4050	83	42	,	,	PUNCT
fsr-4050	83	43	2017	2017	NUM
fsr-4050	83	44	)	)	PUNCT
fsr-4050	83	45	.	.	PUNCT
fsr-4050	84	1	a	a	DET
fsr-4050	84	2	variety	variety	NOUN
fsr-4050	84	3	of	of	ADP
fsr-4050	84	4	demographic	demographic	ADJ
fsr-4050	84	5	characteristics	characteristic	NOUN
fsr-4050	84	6	are	be	AUX
fsr-4050	84	7	associated	associate	VERB
fsr-4050	84	8	with	with	ADP
fsr-4050	84	9	holding	hold	VERB
fsr-4050	84	10	adequate	adequate	ADJ
fsr-4050	84	11	emergency	emergency	NOUN
fsr-4050	84	12	fund	fund	NOUN
fsr-4050	84	13	savings	saving	NOUN
fsr-4050	84	14	.	.	PUNCT
fsr-4050	85	1	first	first	ADV
fsr-4050	85	2	,	,	PUNCT
fsr-4050	85	3	age	age	NOUN
fsr-4050	85	4	was	be	AUX
fsr-4050	85	5	positively	positively	ADV
fsr-4050	85	6	associated	associate	VERB
fsr-4050	85	7	with	with	ADP
fsr-4050	85	8	adequate	adequate	ADJ
fsr-4050	85	9	emergency	emergency	NOUN
fsr-4050	85	10	fund	fund	NOUN
fsr-4050	85	11	savings	saving	NOUN
fsr-4050	85	12	(	(	PUNCT
fsr-4050	85	13	bi	bi	PROPN
fsr-4050	85	14	&	&	CCONJ
fsr-4050	85	15	montalto	montalto	PROPN
fsr-4050	85	16	,	,	PUNCT
fsr-4050	85	17	2004	2004	NUM
fsr-4050	85	18	)	)	PUNCT
fsr-4050	85	19	.	.	PUNCT
fsr-4050	86	1	old	old	ADJ
fsr-4050	86	2	adults	adult	NOUN
fsr-4050	86	3	were	be	AUX
fsr-4050	86	4	more	more	ADV
fsr-4050	86	5	likely	likely	ADJ
fsr-4050	86	6	to	to	PART
fsr-4050	86	7	have	have	VERB
fsr-4050	86	8	emergency	emergency	NOUN
fsr-4050	86	9	fund	fund	NOUN
fsr-4050	86	10	savings	saving	NOUN
fsr-4050	86	11	of	of	ADP
fsr-4050	86	12	$	$	SYM
fsr-4050	86	13	500	500	NUM
fsr-4050	86	14	or	or	CCONJ
fsr-4050	86	15	higher	high	ADJ
fsr-4050	86	16	than	than	ADP
fsr-4050	86	17	young	young	ADJ
fsr-4050	86	18	adults	adult	NOUN
fsr-4050	86	19	(	(	PUNCT
fsr-4050	86	20	brobeck	brobeck	NOUN
fsr-4050	86	21	,	,	PUNCT
fsr-4050	86	22	2008	2008	NUM
fsr-4050	86	23	)	)	PUNCT
fsr-4050	86	24	.	.	PUNCT
fsr-4050	87	1	second	second	ADJ
fsr-4050	87	2	,	,	PUNCT
fsr-4050	87	3	some	some	DET
fsr-4050	87	4	studies	study	NOUN
fsr-4050	87	5	found	find	VERB
fsr-4050	87	6	that	that	SCONJ
fsr-4050	87	7	men	man	NOUN
fsr-4050	87	8	were	be	AUX
fsr-4050	87	9	more	more	ADV
fsr-4050	87	10	likely	likely	ADJ
fsr-4050	87	11	than	than	SCONJ
fsr-4050	87	12	women	woman	NOUN
fsr-4050	87	13	to	to	PART
fsr-4050	87	14	hold	hold	VERB
fsr-4050	87	15	adequate	adequate	ADJ
fsr-4050	87	16	emergency	emergency	NOUN
fsr-4050	87	17	fund	fund	NOUN
fsr-4050	87	18	savings	saving	NOUN
fsr-4050	87	19	(	(	PUNCT
fsr-4050	87	20	wagner	wagner	PROPN
fsr-4050	87	21	&	&	CCONJ
fsr-4050	87	22	walstad	walstad	PROPN
fsr-4050	87	23	,	,	PUNCT
fsr-4050	87	24	2019	2019	NUM
fsr-4050	87	25	)	)	PUNCT
fsr-4050	87	26	.	.	PUNCT
fsr-4050	88	1	finally	finally	ADV
fsr-4050	88	2	,	,	PUNCT
fsr-4050	88	3	white	white	ADJ
fsr-4050	88	4	households	household	NOUN
fsr-4050	88	5	had	have	VERB
fsr-4050	88	6	a	a	DET
fsr-4050	88	7	higher	high	ADJ
fsr-4050	88	8	probability	probability	NOUN
fsr-4050	88	9	of	of	ADP
fsr-4050	88	10	having	have	VERB
fsr-4050	88	11	adequate	adequate	ADJ
fsr-4050	88	12	emergency	emergency	NOUN
fsr-4050	88	13	fund	fund	NOUN
fsr-4050	88	14	savings	saving	NOUN
fsr-4050	88	15	than	than	ADP
fsr-4050	88	16	non	non	ADJ
fsr-4050	88	17	-	-	ADJ
fsr-4050	88	18	white	white	ADJ
fsr-4050	88	19	households	household	NOUN
fsr-4050	88	20	(	(	PUNCT
fsr-4050	88	21	bi	bi	PROPN
fsr-4050	88	22	&	&	CCONJ
fsr-4050	88	23	montalto	montalto	PROPN
fsr-4050	88	24	,	,	PUNCT
fsr-4050	88	25	2004	2004	NUM
fsr-4050	88	26	;	;	PUNCT
fsr-4050	88	27	chase	chase	NOUN
fsr-4050	88	28	et	et	PROPN
fsr-4050	88	29	al	al	PROPN
fsr-4050	88	30	.	.	PROPN
fsr-4050	88	31	,	,	PUNCT
fsr-4050	88	32	2011	2011	NUM
fsr-4050	88	33	;	;	PUNCT
fsr-4050	88	34	despard	despard	NOUN
fsr-4050	88	35	et	et	PROPN
fsr-4050	88	36	al	al	PROPN
fsr-4050	88	37	.	.	PROPN
fsr-4050	88	38	,	,	PUNCT
fsr-4050	88	39	2020	2020	NUM
fsr-4050	88	40	)	)	PUNCT
fsr-4050	88	41	.	.	PUNCT
fsr-4050	89	1	fintech	fintech	NOUN
fsr-4050	89	2	use	use	NOUN
fsr-4050	89	3	fintech	fintech	NOUN
fsr-4050	89	4	,	,	PUNCT
fsr-4050	89	5	an	an	DET
fsr-4050	89	6	application	application	NOUN
fsr-4050	89	7	of	of	ADP
fsr-4050	89	8	technology	technology	NOUN
fsr-4050	89	9	to	to	ADP
fsr-4050	89	10	financial	financial	ADJ
fsr-4050	89	11	services	service	NOUN
fsr-4050	89	12	,	,	PUNCT
fsr-4050	89	13	has	have	AUX
fsr-4050	89	14	attracted	attract	VERB
fsr-4050	89	15	the	the	DET
fsr-4050	89	16	attention	attention	NOUN
fsr-4050	89	17	of	of	ADP
fsr-4050	89	18	researchers	researcher	NOUN
fsr-4050	89	19	,	,	PUNCT
fsr-4050	89	20	policymakers	policymaker	NOUN
fsr-4050	89	21	,	,	PUNCT
fsr-4050	89	22	and	and	CCONJ
fsr-4050	89	23	industry	industry	NOUN
fsr-4050	89	24	over	over	ADP
fsr-4050	89	25	the	the	DET
fsr-4050	89	26	decades	decade	NOUN
fsr-4050	89	27	(	(	PUNCT
fsr-4050	89	28	feyen	feyen	NOUN
fsr-4050	89	29	et	et	NOUN
fsr-4050	89	30	al	al	PROPN
fsr-4050	89	31	.	.	PROPN
fsr-4050	89	32	,	,	PUNCT
fsr-4050	89	33	2023	2023	NUM
fsr-4050	89	34	;	;	PUNCT
fsr-4050	89	35	schueffel	schueffel	NOUN
fsr-4050	89	36	,	,	PUNCT
fsr-4050	89	37	2016	2016	NUM
fsr-4050	89	38	;	;	PUNCT
fsr-4050	89	39	setiawan	setiawan	PROPN
fsr-4050	89	40	et	et	PROPN
fsr-4050	89	41	al	al	PROPN
fsr-4050	89	42	.	.	PROPN
fsr-4050	89	43	,	,	PUNCT
fsr-4050	89	44	2022	2022	NUM
fsr-4050	89	45	;	;	PUNCT
fsr-4050	89	46	thakor	thakor	NOUN
fsr-4050	89	47	,	,	PUNCT
fsr-4050	89	48	2020	2020	NUM
fsr-4050	89	49	)	)	PUNCT
fsr-4050	89	50	.	.	PUNCT
fsr-4050	90	1	fintech	fintech	NOUN
fsr-4050	90	2	was	be	AUX
fsr-4050	90	3	initially	initially	ADV
fsr-4050	90	4	intended	intend	VERB
fsr-4050	90	5	to	to	PART
fsr-4050	90	6	facilitate	facilitate	VERB
fsr-4050	90	7	payments	payment	NOUN
fsr-4050	90	8	in	in	ADP
fsr-4050	90	9	consumption	consumption	NOUN
fsr-4050	90	10	activities	activity	NOUN
fsr-4050	90	11	and	and	CCONJ
fsr-4050	90	12	has	have	AUX
fsr-4050	90	13	expanded	expand	VERB
fsr-4050	90	14	its	its	PRON
fsr-4050	90	15	services	service	NOUN
fsr-4050	90	16	to	to	ADP
fsr-4050	90	17	lending	lending	NOUN
fsr-4050	90	18	,	,	PUNCT
fsr-4050	90	19	investing	investing	NOUN
fsr-4050	90	20	,	,	PUNCT
fsr-4050	90	21	and	and	CCONJ
fsr-4050	90	22	savings	saving	NOUN
fsr-4050	90	23	in	in	ADP
fsr-4050	90	24	financial	financial	ADJ
fsr-4050	90	25	sectors	sector	NOUN
fsr-4050	90	26	through	through	ADP
fsr-4050	90	27	digital	digital	ADJ
fsr-4050	90	28	payments	payment	NOUN
fsr-4050	90	29	,	,	PUNCT
fsr-4050	90	30	robo	robo	NOUN
fsr-4050	90	31	-	-	PUNCT
fsr-4050	90	32	advisors	advisor	NOUN
fsr-4050	90	33	,	,	PUNCT
fsr-4050	90	34	online	online	ADJ
fsr-4050	90	35	banking	banking	NOUN
fsr-4050	90	36	,	,	PUNCT
fsr-4050	90	37	and	and	CCONJ
fsr-4050	90	38	financial	financial	ADJ
fsr-4050	90	39	apps	app	NOUN
fsr-4050	90	40	(	(	PUNCT
fsr-4050	90	41	abis	abis	PROPN
fsr-4050	90	42	et	et	PROPN
fsr-4050	90	43	al	al	PROPN
fsr-4050	90	44	.	.	PROPN
fsr-4050	90	45	,	,	PUNCT
fsr-4050	90	46	2025	2025	NUM
fsr-4050	90	47	;	;	PUNCT
fsr-4050	90	48	bajunaied	bajunaie	VERB
fsr-4050	90	49	et	et	PROPN
fsr-4050	90	50	al	al	PROPN
fsr-4050	90	51	.	.	PROPN
fsr-4050	90	52	,	,	PUNCT
fsr-4050	90	53	2023	2023	NUM
fsr-4050	90	54	;	;	PUNCT
fsr-4050	90	55	risman	risman	NOUN
fsr-4050	90	56	et	et	PROPN
fsr-4050	90	57	al	al	PROPN
fsr-4050	90	58	.	.	PROPN
fsr-4050	90	59	,	,	PUNCT
fsr-4050	90	60	2022	2022	NUM
fsr-4050	90	61	)	)	PUNCT
fsr-4050	90	62	.	.	PUNCT
fsr-4050	91	1	financial	financial	ADJ
fsr-4050	91	2	services	service	NOUN
fsr-4050	91	3	companies	company	NOUN
fsr-4050	91	4	have	have	AUX
fsr-4050	91	5	increasingly	increasingly	ADV
fsr-4050	91	6	adopted	adopt	VERB
fsr-4050	91	7	fintech	fintech	NOUN
fsr-4050	91	8	to	to	PART
fsr-4050	91	9	offer	offer	VERB
fsr-4050	91	10	timely	timely	ADJ
fsr-4050	91	11	information	information	NOUN
fsr-4050	91	12	and	and	CCONJ
fsr-4050	91	13	enhance	enhance	VERB
fsr-4050	91	14	client	client	NOUN
fsr-4050	91	15	interactions	interaction	NOUN
fsr-4050	91	16	(	(	PUNCT
fsr-4050	91	17	nicoletti	nicoletti	NOUN
fsr-4050	91	18	et	et	NOUN
fsr-4050	91	19	al	al	PROPN
fsr-4050	91	20	.	.	PROPN
fsr-4050	91	21	,	,	PUNCT
fsr-4050	91	22	2017	2017	NUM
fsr-4050	91	23	)	)	PUNCT
fsr-4050	91	24	.	.	PUNCT
fsr-4050	92	1	the	the	DET
fsr-4050	92	2	ongoing	ongoing	ADJ
fsr-4050	92	3	innovation	innovation	NOUN
fsr-4050	92	4	of	of	ADP
fsr-4050	92	5	fintech	fintech	NOUN
fsr-4050	92	6	has	have	AUX
fsr-4050	92	7	created	create	VERB
fsr-4050	92	8	an	an	DET
fsr-4050	92	9	efficient	efficient	ADJ
fsr-4050	92	10	and	and	CCONJ
fsr-4050	92	11	effective	effective	ADJ
fsr-4050	92	12	bridge	bridge	NOUN
fsr-4050	92	13	between	between	ADP
fsr-4050	92	14	fintech	fintech	NOUN
fsr-4050	92	15	use	use	NOUN
fsr-4050	92	16	and	and	CCONJ
fsr-4050	92	17	financial	financial	ADJ
fsr-4050	92	18	capability	capability	NOUN
fsr-4050	92	19	(	(	PUNCT
fsr-4050	92	20	demirgüç	demirgüç	NOUN
fsr-4050	92	21	-	-	PUNCT
fsr-4050	92	22	kunt	kunt	PROPN
fsr-4050	92	23	et	et	PROPN
fsr-4050	92	24	al	al	PROPN
fsr-4050	92	25	.	.	PROPN
fsr-4050	92	26	,	,	PUNCT
fsr-4050	92	27	2022	2022	NUM
fsr-4050	92	28	;	;	PUNCT
fsr-4050	92	29	ouma	ouma	PROPN
fsr-4050	92	30	et	et	PROPN
fsr-4050	92	31	al	al	PROPN
fsr-4050	92	32	.	.	PROPN
fsr-4050	92	33	,	,	PUNCT
fsr-4050	92	34	2017	2017	NUM
fsr-4050	92	35	)	)	PUNCT
fsr-4050	92	36	.	.	PUNCT
fsr-4050	93	1	for	for	ADP
fsr-4050	93	2	example	example	NOUN
fsr-4050	93	3	,	,	PUNCT
fsr-4050	93	4	yeo	yeo	PROPN
fsr-4050	93	5	and	and	CCONJ
fsr-4050	93	6	fisher	fisher	PROPN
fsr-4050	93	7	(	(	PUNCT
fsr-4050	93	8	2017	2017	NUM
fsr-4050	93	9	)	)	PUNCT
fsr-4050	93	10	found	find	VERB
fsr-4050	93	11	that	that	SCONJ
fsr-4050	93	12	americans	americans	PROPN
fsr-4050	93	13	who	who	PRON
fsr-4050	93	14	frequently	frequently	ADV
fsr-4050	93	15	used	use	VERB
fsr-4050	93	16	fintech	fintech	NOUN
fsr-4050	93	17	were	be	AUX
fsr-4050	93	18	more	more	ADV
fsr-4050	93	19	likely	likely	ADJ
fsr-4050	93	20	to	to	PART
fsr-4050	93	21	manage	manage	VERB
fsr-4050	93	22	their	their	PRON
fsr-4050	93	23	money	money	NOUN
fsr-4050	93	24	,	,	PUNCT
fsr-4050	93	25	make	make	VERB
fsr-4050	93	26	savings	saving	NOUN
fsr-4050	93	27	decisions	decision	NOUN
fsr-4050	93	28	,	,	PUNCT
fsr-4050	93	29	and	and	CCONJ
fsr-4050	93	30	understand	understand	VERB
fsr-4050	93	31	their	their	PRON
fsr-4050	93	32	financial	financial	ADJ
fsr-4050	93	33	issues	issue	NOUN
fsr-4050	93	34	.	.	PUNCT
fsr-4050	94	1	similarly	similarly	ADV
fsr-4050	94	2	,	,	PUNCT
fsr-4050	94	3	nourallah	nourallah	VERB
fsr-4050	94	4	et	et	PROPN
fsr-4050	94	5	al	al	PROPN
fsr-4050	94	6	.	.	PROPN
fsr-4050	95	1	(	(	PUNCT
fsr-4050	95	2	2024	2024	NUM
fsr-4050	95	3	)	)	PUNCT
fsr-4050	95	4	concluded	conclude	VERB
fsr-4050	95	5	that	that	SCONJ
fsr-4050	95	6	fintech	fintech	NOUN
fsr-4050	95	7	use	use	NOUN
fsr-4050	95	8	was	be	AUX
fsr-4050	95	9	positively	positively	ADV
fsr-4050	95	10	associated	associate	VERB
fsr-4050	95	11	with	with	ADP
fsr-4050	95	12	financial	financial	ADJ
fsr-4050	95	13	capability	capability	NOUN
fsr-4050	95	14	in	in	ADP
fsr-4050	95	15	the	the	DET
fsr-4050	95	16	european	european	PROPN
fsr-4050	95	17	union	union	PROPN
fsr-4050	95	18	.	.	PUNCT
fsr-4050	96	1	depending	depend	VERB
fsr-4050	96	2	on	on	ADP
fsr-4050	96	3	the	the	DET
fsr-4050	96	4	forms	form	NOUN
fsr-4050	96	5	and	and	CCONJ
fsr-4050	96	6	functions	function	NOUN
fsr-4050	96	7	,	,	PUNCT
fsr-4050	96	8	fintech	fintech	NOUN
fsr-4050	96	9	has	have	AUX
fsr-4050	96	10	been	be	AUX
fsr-4050	96	11	used	use	VERB
fsr-4050	96	12	to	to	PART
fsr-4050	96	13	perform	perform	VERB
fsr-4050	96	14	various	various	ADJ
fsr-4050	96	15	financial	financial	ADJ
fsr-4050	96	16	activities	activity	NOUN
fsr-4050	96	17	and	and	CCONJ
fsr-4050	96	18	assist	assist	VERB
fsr-4050	96	19	households	household	NOUN
fsr-4050	96	20	in	in	ADP
fsr-4050	96	21	making	make	VERB
fsr-4050	96	22	sound	sound	ADJ
fsr-4050	96	23	financial	financial	ADJ
fsr-4050	96	24	decisions	decision	NOUN
fsr-4050	96	25	.	.	PUNCT
fsr-4050	97	1	for	for	ADP
fsr-4050	97	2	example	example	NOUN
fsr-4050	97	3	,	,	PUNCT
fsr-4050	97	4	mobile	mobile	ADJ
fsr-4050	97	5	bank	bank	NOUN
fsr-4050	97	6	apps	app	NOUN
fsr-4050	97	7	have	have	AUX
fsr-4050	97	8	been	be	AUX
fsr-4050	97	9	developed	develop	VERB
fsr-4050	97	10	to	to	PART
fsr-4050	97	11	facilitate	facilitate	VERB
fsr-4050	97	12	households	household	NOUN
fsr-4050	97	13	in	in	ADP
fsr-4050	97	14	conducting	conduct	VERB
fsr-4050	97	15	day	day	NOUN
fsr-4050	97	16	-	-	PUNCT
fsr-4050	97	17	to	to	ADP
fsr-4050	97	18	-	-	PUNCT
fsr-4050	97	19	day	day	NOUN
fsr-4050	97	20	financial	financial	ADJ
fsr-4050	97	21	activities	activity	NOUN
fsr-4050	97	22	,	,	PUNCT
fsr-4050	97	23	while	while	SCONJ
fsr-4050	97	24	robofinancial	robofinancial	ADJ
fsr-4050	97	25	services	service	NOUN
fsr-4050	97	26	review	review	VERB
fsr-4050	97	27	,	,	PUNCT
fsr-4050	97	28	33(3	33(3	NOUN
fsr-4050	97	29	)	)	PUNCT
fsr-4050	97	30	24	24	NUM
fsr-4050	97	31	advisors	advisor	NOUN
fsr-4050	97	32	are	be	AUX
fsr-4050	97	33	widely	widely	ADV
fsr-4050	97	34	used	use	VERB
fsr-4050	97	35	in	in	ADP
fsr-4050	97	36	investment	investment	NOUN
fsr-4050	97	37	activities	activity	NOUN
fsr-4050	97	38	(	(	PUNCT
fsr-4050	97	39	nourallah	nourallah	PROPN
fsr-4050	97	40	&	&	CCONJ
fsr-4050	97	41	öhman	öhman	NOUN
fsr-4050	97	42	,	,	PUNCT
fsr-4050	97	43	2021	2021	NUM
fsr-4050	97	44	)	)	PUNCT
fsr-4050	97	45	.	.	PUNCT
fsr-4050	98	1	in	in	ADP
fsr-4050	98	2	the	the	DET
fsr-4050	98	3	current	current	ADJ
fsr-4050	98	4	study	study	NOUN
fsr-4050	98	5	,	,	PUNCT
fsr-4050	98	6	we	we	PRON
fsr-4050	98	7	focus	focus	VERB
fsr-4050	98	8	on	on	ADP
fsr-4050	98	9	using	use	VERB
fsr-4050	98	10	fintech	fintech	NOUN
fsr-4050	98	11	to	to	PART
fsr-4050	98	12	save	save	VERB
fsr-4050	98	13	for	for	ADP
fsr-4050	98	14	emergency	emergency	NOUN
fsr-4050	98	15	fund	fund	NOUN
fsr-4050	98	16	savings	saving	NOUN
fsr-4050	98	17	;	;	PUNCT
fsr-4050	98	18	thus	thus	ADV
fsr-4050	98	19	,	,	PUNCT
fsr-4050	98	20	actual	actual	ADJ
fsr-4050	98	21	fintech	fintech	NOUN
fsr-4050	98	22	use	use	NOUN
fsr-4050	98	23	limits	limit	VERB
fsr-4050	98	24	its	its	PRON
fsr-4050	98	25	forms	form	NOUN
fsr-4050	98	26	of	of	ADP
fsr-4050	98	27	saving	save	VERB
fsr-4050	98	28	apps	app	NOUN
fsr-4050	98	29	use	use	VERB
fsr-4050	98	30	and	and	CCONJ
fsr-4050	98	31	saving	save	VERB
fsr-4050	98	32	websites	website	NOUN
fsr-4050	98	33	use	use	VERB
fsr-4050	98	34	.	.	PUNCT
fsr-4050	99	1	theoretical	theoretical	ADJ
fsr-4050	99	2	foundation	foundation	NOUN
fsr-4050	99	3	ajzen	ajzen	PROPN
fsr-4050	99	4	(	(	PUNCT
fsr-4050	99	5	1991	1991	NUM
fsr-4050	99	6	)	)	PUNCT
fsr-4050	99	7	proposed	propose	VERB
fsr-4050	99	8	the	the	DET
fsr-4050	99	9	tpb	tpb	NOUN
fsr-4050	99	10	to	to	PART
fsr-4050	99	11	address	address	VERB
fsr-4050	99	12	psychological	psychological	ADJ
fsr-4050	99	13	characteristics	characteristic	NOUN
fsr-4050	99	14	associated	associate	VERB
fsr-4050	99	15	with	with	ADP
fsr-4050	99	16	a	a	DET
fsr-4050	99	17	specific	specific	ADJ
fsr-4050	99	18	behavior	behavior	NOUN
fsr-4050	99	19	.	.	PUNCT
fsr-4050	100	1	it	it	PRON
fsr-4050	100	2	states	state	VERB
fsr-4050	100	3	that	that	SCONJ
fsr-4050	100	4	an	an	DET
fsr-4050	100	5	individual	individual	NOUN
fsr-4050	100	6	's	's	PART
fsr-4050	100	7	behavior	behavior	NOUN
fsr-4050	100	8	depends	depend	VERB
fsr-4050	100	9	on	on	ADP
fsr-4050	100	10	three	three	NUM
fsr-4050	100	11	antecedents	antecedent	NOUN
fsr-4050	100	12	(	(	PUNCT
fsr-4050	100	13	i.e.	i.e.	X
fsr-4050	100	14	,	,	PUNCT
fsr-4050	100	15	attitude	attitude	NOUN
fsr-4050	100	16	,	,	PUNCT
fsr-4050	100	17	subjective	subjective	ADJ
fsr-4050	100	18	norms	norm	NOUN
fsr-4050	100	19	,	,	PUNCT
fsr-4050	100	20	and	and	CCONJ
fsr-4050	100	21	perceived	perceive	VERB
fsr-4050	100	22	behavioral	behavioral	ADJ
fsr-4050	100	23	control	control	NOUN
fsr-4050	100	24	)	)	PUNCT
fsr-4050	100	25	and	and	CCONJ
fsr-4050	100	26	motivation	motivation	NOUN
fsr-4050	100	27	(	(	PUNCT
fsr-4050	100	28	i.e.	i.e.	X
fsr-4050	100	29	,	,	PUNCT
fsr-4050	100	30	intention	intention	NOUN
fsr-4050	100	31	)	)	PUNCT
fsr-4050	100	32	.	.	PUNCT
fsr-4050	101	1	an	an	DET
fsr-4050	101	2	attitude	attitude	NOUN
fsr-4050	101	3	is	be	AUX
fsr-4050	101	4	an	an	DET
fsr-4050	101	5	individual	individual	NOUN
fsr-4050	101	6	's	's	PART
fsr-4050	101	7	tendency	tendency	NOUN
fsr-4050	101	8	to	to	PART
fsr-4050	101	9	favor	favor	VERB
fsr-4050	101	10	or	or	CCONJ
fsr-4050	101	11	disfavor	disfavor	VERB
fsr-4050	101	12	a	a	DET
fsr-4050	101	13	specific	specific	ADJ
fsr-4050	101	14	behavior	behavior	NOUN
fsr-4050	101	15	(	(	PUNCT
fsr-4050	101	16	ajzen	ajzen	NOUN
fsr-4050	101	17	,	,	PUNCT
fsr-4050	101	18	1991	1991	NUM
fsr-4050	101	19	)	)	PUNCT
fsr-4050	101	20	.	.	PUNCT
fsr-4050	102	1	it	it	PRON
fsr-4050	102	2	aggregates	aggregate	VERB
fsr-4050	102	3	one	one	NOUN
fsr-4050	102	4	's	's	PART
fsr-4050	102	5	knowledge	knowledge	NOUN
fsr-4050	102	6	,	,	PUNCT
fsr-4050	102	7	evaluation	evaluation	NOUN
fsr-4050	102	8	,	,	PUNCT
fsr-4050	102	9	and	and	CCONJ
fsr-4050	102	10	positive	positive	ADJ
fsr-4050	102	11	or	or	CCONJ
fsr-4050	102	12	negative	negative	ADJ
fsr-4050	102	13	prejudices	prejudice	NOUN
fsr-4050	102	14	toward	toward	ADP
fsr-4050	102	15	the	the	DET
fsr-4050	102	16	behavior	behavior	NOUN
fsr-4050	102	17	.	.	PUNCT
fsr-4050	103	1	subjective	subjective	ADJ
fsr-4050	103	2	norms	norm	NOUN
fsr-4050	103	3	refer	refer	VERB
fsr-4050	103	4	to	to	ADP
fsr-4050	103	5	an	an	DET
fsr-4050	103	6	individual	individual	NOUN
fsr-4050	103	7	's	's	PART
fsr-4050	103	8	perception	perception	NOUN
fsr-4050	103	9	of	of	ADP
fsr-4050	103	10	others	other	NOUN
fsr-4050	103	11	'	'	PART
fsr-4050	103	12	ideas	idea	NOUN
fsr-4050	103	13	or	or	CCONJ
fsr-4050	103	14	attitudes	attitude	NOUN
fsr-4050	103	15	about	about	ADP
fsr-4050	103	16	performing	perform	VERB
fsr-4050	103	17	or	or	CCONJ
fsr-4050	103	18	not	not	PART
fsr-4050	103	19	performing	perform	VERB
fsr-4050	103	20	a	a	DET
fsr-4050	103	21	specific	specific	ADJ
fsr-4050	103	22	behavior	behavior	NOUN
fsr-4050	103	23	.	.	PUNCT
fsr-4050	104	1	it	it	PRON
fsr-4050	104	2	can	can	AUX
fsr-4050	104	3	be	be	AUX
fsr-4050	104	4	considered	consider	VERB
fsr-4050	104	5	as	as	ADP
fsr-4050	104	6	social	social	ADJ
fsr-4050	104	7	pressure	pressure	NOUN
fsr-4050	104	8	or	or	CCONJ
fsr-4050	104	9	influence	influence	NOUN
fsr-4050	104	10	from	from	ADP
fsr-4050	104	11	others	other	NOUN
fsr-4050	104	12	,	,	PUNCT
fsr-4050	104	13	such	such	ADJ
fsr-4050	104	14	as	as	ADP
fsr-4050	104	15	family	family	NOUN
fsr-4050	104	16	and	and	CCONJ
fsr-4050	104	17	friends	friend	NOUN
fsr-4050	104	18	,	,	PUNCT
fsr-4050	104	19	which	which	PRON
fsr-4050	104	20	affects	affect	VERB
fsr-4050	104	21	how	how	SCONJ
fsr-4050	104	22	much	much	ADJ
fsr-4050	104	23	the	the	DET
fsr-4050	104	24	individual	individual	ADJ
fsr-4050	104	25	values	value	VERB
fsr-4050	104	26	their	their	PRON
fsr-4050	104	27	expectations	expectation	NOUN
fsr-4050	104	28	.	.	PUNCT
fsr-4050	105	1	perceived	perceive	VERB
fsr-4050	105	2	behavioral	behavioral	ADJ
fsr-4050	105	3	control	control	NOUN
fsr-4050	105	4	refers	refer	VERB
fsr-4050	105	5	to	to	ADP
fsr-4050	105	6	an	an	DET
fsr-4050	105	7	individual	individual	NOUN
fsr-4050	105	8	's	's	PART
fsr-4050	105	9	selfassessed	selfassesse	VERB
fsr-4050	105	10	ability	ability	NOUN
fsr-4050	105	11	to	to	PART
fsr-4050	105	12	perform	perform	VERB
fsr-4050	105	13	a	a	DET
fsr-4050	105	14	behavior	behavior	NOUN
fsr-4050	105	15	.	.	PUNCT
fsr-4050	106	1	such	such	ADJ
fsr-4050	106	2	perception	perception	NOUN
fsr-4050	106	3	depends	depend	VERB
fsr-4050	106	4	on	on	ADP
fsr-4050	106	5	the	the	DET
fsr-4050	106	6	individual	individual	NOUN
fsr-4050	106	7	's	's	PART
fsr-4050	106	8	internal	internal	ADJ
fsr-4050	106	9	and	and	CCONJ
fsr-4050	106	10	external	external	ADJ
fsr-4050	106	11	factors	factor	NOUN
fsr-4050	106	12	.	.	PUNCT
fsr-4050	107	1	the	the	DET
fsr-4050	107	2	internal	internal	ADJ
fsr-4050	107	3	factors	factor	NOUN
fsr-4050	107	4	include	include	VERB
fsr-4050	107	5	determination	determination	NOUN
fsr-4050	107	6	and	and	CCONJ
fsr-4050	107	7	ability	ability	NOUN
fsr-4050	107	8	,	,	PUNCT
fsr-4050	107	9	while	while	SCONJ
fsr-4050	107	10	the	the	DET
fsr-4050	107	11	external	external	ADJ
fsr-4050	107	12	factors	factor	NOUN
fsr-4050	107	13	include	include	VERB
fsr-4050	107	14	resources	resource	NOUN
fsr-4050	107	15	,	,	PUNCT
fsr-4050	107	16	opportunities	opportunity	NOUN
fsr-4050	107	17	,	,	PUNCT
fsr-4050	107	18	and	and	CCONJ
fsr-4050	107	19	support	support	NOUN
fsr-4050	107	20	.	.	PUNCT
fsr-4050	108	1	intention	intention	NOUN
fsr-4050	108	2	refers	refer	VERB
fsr-4050	108	3	to	to	ADP
fsr-4050	108	4	an	an	DET
fsr-4050	108	5	individual	individual	NOUN
fsr-4050	108	6	's	's	PART
fsr-4050	108	7	psychological	psychological	ADJ
fsr-4050	108	8	disposition	disposition	NOUN
fsr-4050	108	9	to	to	PART
fsr-4050	108	10	act	act	VERB
fsr-4050	108	11	on	on	ADP
fsr-4050	108	12	a	a	DET
fsr-4050	108	13	specific	specific	ADJ
fsr-4050	108	14	behavior	behavior	NOUN
fsr-4050	108	15	.	.	PUNCT
fsr-4050	109	1	it	it	PRON
fsr-4050	109	2	indicates	indicate	VERB
fsr-4050	109	3	how	how	SCONJ
fsr-4050	109	4	much	much	ADJ
fsr-4050	109	5	the	the	DET
fsr-4050	109	6	individual	individual	ADJ
fsr-4050	109	7	plans	plan	NOUN
fsr-4050	109	8	to	to	PART
fsr-4050	109	9	exert	exert	VERB
fsr-4050	109	10	to	to	PART
fsr-4050	109	11	perform	perform	VERB
fsr-4050	109	12	a	a	DET
fsr-4050	109	13	specific	specific	ADJ
fsr-4050	109	14	behavior	behavior	NOUN
fsr-4050	109	15	.	.	PUNCT
fsr-4050	110	1	the	the	DET
fsr-4050	110	2	tpb	tpb	NOUN
fsr-4050	110	3	has	have	AUX
fsr-4050	110	4	been	be	AUX
fsr-4050	110	5	widely	widely	ADV
fsr-4050	110	6	used	use	VERB
fsr-4050	110	7	to	to	PART
fsr-4050	110	8	explain	explain	VERB
fsr-4050	110	9	human	human	ADJ
fsr-4050	110	10	behaviors	behavior	NOUN
fsr-4050	110	11	in	in	ADP
fsr-4050	110	12	various	various	ADJ
fsr-4050	110	13	domains	domain	NOUN
fsr-4050	110	14	,	,	PUNCT
fsr-4050	110	15	such	such	ADJ
fsr-4050	110	16	as	as	ADP
fsr-4050	110	17	healthrelated	healthrelated	ADJ
fsr-4050	110	18	behaviors	behavior	NOUN
fsr-4050	110	19	(	(	PUNCT
fsr-4050	110	20	conner	conner	PROPN
fsr-4050	110	21	&	&	CCONJ
fsr-4050	110	22	sparks	sparks	PROPN
fsr-4050	110	23	,	,	PUNCT
fsr-4050	110	24	2005	2005	NUM
fsr-4050	110	25	;	;	PUNCT
fsr-4050	110	26	godin	godin	PROPN
fsr-4050	110	27	&	&	CCONJ
fsr-4050	110	28	kok	kok	PROPN
fsr-4050	110	29	,	,	PUNCT
fsr-4050	110	30	1996	1996	NUM
fsr-4050	110	31	)	)	PUNCT
fsr-4050	110	32	,	,	PUNCT
fsr-4050	110	33	public	public	ADJ
fsr-4050	110	34	health	health	NOUN
fsr-4050	110	35	and	and	CCONJ
fsr-4050	110	36	political	political	ADJ
fsr-4050	110	37	science	science	NOUN
fsr-4050	110	38	(	(	PUNCT
fsr-4050	110	39	bosnjak	bosnjak	X
fsr-4050	110	40	et	et	PROPN
fsr-4050	110	41	al	al	PROPN
fsr-4050	110	42	.	.	PROPN
fsr-4050	110	43	,	,	PUNCT
fsr-4050	110	44	2020	2020	NUM
fsr-4050	110	45	)	)	PUNCT
fsr-4050	110	46	,	,	PUNCT
fsr-4050	110	47	energy	energy	NOUN
fsr-4050	110	48	savings	saving	NOUN
fsr-4050	110	49	behaviors	behavior	NOUN
fsr-4050	110	50	(	(	PUNCT
fsr-4050	110	51	cheung	cheung	PROPN
fsr-4050	110	52	et	et	PROPN
fsr-4050	110	53	al	al	PROPN
fsr-4050	110	54	.	.	PROPN
fsr-4050	110	55	,	,	PUNCT
fsr-4050	110	56	1999	1999	NUM
fsr-4050	110	57	;	;	PUNCT
fsr-4050	110	58	lin	lin	PROPN
fsr-4050	110	59	&	&	CCONJ
fsr-4050	110	60	shi	shi	PROPN
fsr-4050	110	61	,	,	PUNCT
fsr-4050	110	62	2022	2022	NUM
fsr-4050	110	63	)	)	PUNCT
fsr-4050	110	64	,	,	PUNCT
fsr-4050	110	65	and	and	CCONJ
fsr-4050	110	66	consumer	consumer	NOUN
fsr-4050	110	67	behaviors	behavior	NOUN
fsr-4050	110	68	(	(	PUNCT
fsr-4050	110	69	george	george	PROPN
fsr-4050	110	70	,	,	PUNCT
fsr-4050	110	71	2004	2004	NUM
fsr-4050	110	72	;	;	PUNCT
fsr-4050	110	73	paramita	paramita	PROPN
fsr-4050	110	74	et	et	PROPN
fsr-4050	110	75	al	al	PROPN
fsr-4050	110	76	.	.	PROPN
fsr-4050	110	77	,	,	PUNCT
fsr-4050	110	78	2018	2018	NUM
fsr-4050	110	79	;	;	PUNCT
fsr-4050	110	80	sharif	sharif	PROPN
fsr-4050	110	81	&	&	CCONJ
fsr-4050	110	82	naghavi	naghavi	PROPN
fsr-4050	110	83	,	,	PUNCT
fsr-4050	110	84	2021	2021	NUM
fsr-4050	110	85	;	;	PUNCT
fsr-4050	110	86	shih	shih	PROPN
fsr-4050	110	87	&	&	CCONJ
fsr-4050	110	88	fang	fang	PROPN
fsr-4050	110	89	,	,	PUNCT
fsr-4050	110	90	2004	2004	NUM
fsr-4050	110	91	;	;	PUNCT
fsr-4050	110	92	xiao	xiao	PROPN
fsr-4050	110	93	et	et	PROPN
fsr-4050	110	94	al	al	PROPN
fsr-4050	110	95	.	.	PROPN
fsr-4050	110	96	,	,	PUNCT
fsr-4050	110	97	2011	2011	NUM
fsr-4050	110	98	)	)	PUNCT
fsr-4050	110	99	.	.	PUNCT
fsr-4050	111	1	although	although	SCONJ
fsr-4050	111	2	extant	extant	ADJ
fsr-4050	111	3	literature	literature	NOUN
fsr-4050	111	4	has	have	AUX
fsr-4050	111	5	applied	apply	VERB
fsr-4050	111	6	tpb	tpb	NOUN
fsr-4050	111	7	to	to	PART
fsr-4050	111	8	explain	explain	VERB
fsr-4050	111	9	financial	financial	ADJ
fsr-4050	111	10	behaviors	behavior	NOUN
fsr-4050	111	11	,	,	PUNCT
fsr-4050	111	12	the	the	DET
fsr-4050	111	13	results	result	NOUN
fsr-4050	111	14	indicated	indicate	VERB
fsr-4050	111	15	that	that	SCONJ
fsr-4050	111	16	the	the	DET
fsr-4050	111	17	impacts	impact	NOUN
fsr-4050	111	18	of	of	ADP
fsr-4050	111	19	the	the	DET
fsr-4050	111	20	three	three	NUM
fsr-4050	111	21	tpb	tpb	NOUN
fsr-4050	111	22	components	component	NOUN
fsr-4050	111	23	(	(	PUNCT
fsr-4050	111	24	attitude	attitude	NOUN
fsr-4050	111	25	,	,	PUNCT
fsr-4050	111	26	subjective	subjective	ADJ
fsr-4050	111	27	norms	norm	NOUN
fsr-4050	111	28	,	,	PUNCT
fsr-4050	111	29	and	and	CCONJ
fsr-4050	111	30	perceived	perceive	VERB
fsr-4050	111	31	behavioral	behavioral	ADJ
fsr-4050	111	32	control	control	NOUN
fsr-4050	111	33	)	)	PUNCT
fsr-4050	111	34	on	on	ADP
fsr-4050	111	35	the	the	DET
fsr-4050	111	36	intention	intention	NOUN
fsr-4050	111	37	varied	varied	ADJ
fsr-4050	111	38	.	.	PUNCT
fsr-4050	112	1	sharif	sharif	PROPN
fsr-4050	112	2	and	and	CCONJ
fsr-4050	112	3	naghavi	naghavi	ADJ
fsr-4050	112	4	(	(	PUNCT
fsr-4050	112	5	2021	2021	NUM
fsr-4050	112	6	)	)	PUNCT
fsr-4050	112	7	found	find	VERB
fsr-4050	112	8	that	that	SCONJ
fsr-4050	112	9	all	all	DET
fsr-4050	112	10	tpb	tpb	NOUN
fsr-4050	112	11	components	component	NOUN
fsr-4050	112	12	were	be	AUX
fsr-4050	112	13	significantly	significantly	ADV
fsr-4050	112	14	correlated	correlate	VERB
fsr-4050	112	15	with	with	ADP
fsr-4050	112	16	college	college	NOUN
fsr-4050	112	17	students	student	NOUN
fsr-4050	112	18	'	'	PART
fsr-4050	112	19	intention	intention	NOUN
fsr-4050	112	20	to	to	PART
fsr-4050	112	21	use	use	VERB
fsr-4050	112	22	online	online	ADJ
fsr-4050	112	23	financial	financial	ADJ
fsr-4050	112	24	trading	trading	NOUN
fsr-4050	112	25	.	.	PUNCT
fsr-4050	113	1	shih	shih	NOUN
fsr-4050	113	2	and	and	CCONJ
fsr-4050	113	3	fang	fang	X
fsr-4050	113	4	(	(	PUNCT
fsr-4050	113	5	2004	2004	NUM
fsr-4050	113	6	)	)	PUNCT
fsr-4050	113	7	indicated	indicate	VERB
fsr-4050	113	8	that	that	SCONJ
fsr-4050	113	9	attitude	attitude	NOUN
fsr-4050	113	10	and	and	CCONJ
fsr-4050	113	11	perceived	perceive	VERB
fsr-4050	113	12	behavior	behavior	NOUN
fsr-4050	113	13	control	control	NOUN
fsr-4050	113	14	were	be	AUX
fsr-4050	113	15	significantly	significantly	ADV
fsr-4050	113	16	related	relate	VERB
fsr-4050	113	17	to	to	ADP
fsr-4050	113	18	consumers	consumer	NOUN
fsr-4050	113	19	'	'	PART
fsr-4050	113	20	intention	intention	NOUN
fsr-4050	113	21	to	to	PART
fsr-4050	113	22	use	use	VERB
fsr-4050	113	23	online	online	ADJ
fsr-4050	113	24	banking	banking	NOUN
fsr-4050	113	25	,	,	PUNCT
fsr-4050	113	26	but	but	CCONJ
fsr-4050	113	27	subject	subject	NOUN
fsr-4050	113	28	norms	norm	NOUN
fsr-4050	113	29	were	be	AUX
fsr-4050	113	30	not	not	PART
fsr-4050	113	31	.	.	PUNCT
fsr-4050	114	1	paramita	paramita	PROPN
fsr-4050	114	2	et	et	PROPN
fsr-4050	114	3	al	al	PROPN
fsr-4050	114	4	.	.	PROPN
fsr-4050	115	1	(	(	PUNCT
fsr-4050	115	2	2018	2018	NUM
fsr-4050	115	3	)	)	PUNCT
fsr-4050	115	4	showed	show	VERB
fsr-4050	115	5	that	that	SCONJ
fsr-4050	115	6	none	none	NOUN
fsr-4050	115	7	of	of	ADP
fsr-4050	115	8	the	the	DET
fsr-4050	115	9	tpb	tpb	NOUN
fsr-4050	115	10	components	component	NOUN
fsr-4050	115	11	were	be	AUX
fsr-4050	115	12	significantly	significantly	ADV
fsr-4050	115	13	associated	associate	VERB
fsr-4050	115	14	with	with	ADP
fsr-4050	115	15	college	college	NOUN
fsr-4050	115	16	students	student	NOUN
fsr-4050	115	17	'	'	PART
fsr-4050	115	18	intention	intention	NOUN
fsr-4050	115	19	to	to	PART
fsr-4050	115	20	make	make	VERB
fsr-4050	115	21	stock	stock	NOUN
fsr-4050	115	22	investments	investment	NOUN
fsr-4050	115	23	.	.	PUNCT
fsr-4050	116	1	furthermore	furthermore	ADV
fsr-4050	116	2	,	,	PUNCT
fsr-4050	116	3	the	the	DET
fsr-4050	116	4	technology	technology	NOUN
fsr-4050	116	5	acceptance	acceptance	NOUN
fsr-4050	116	6	model	model	NOUN
fsr-4050	116	7	(	(	PUNCT
fsr-4050	116	8	tam	tam	PROPN
fsr-4050	116	9	)	)	PUNCT
fsr-4050	116	10	(	(	PUNCT
fsr-4050	116	11	davis	davis	PROPN
fsr-4050	116	12	,	,	PUNCT
fsr-4050	116	13	1989	1989	NUM
fsr-4050	116	14	;	;	PUNCT
fsr-4050	116	15	davis	davis	PROPN
fsr-4050	116	16	et	et	PROPN
fsr-4050	116	17	al	al	PROPN
fsr-4050	116	18	.	.	PROPN
fsr-4050	116	19	,	,	PUNCT
fsr-4050	116	20	1989	1989	NUM
fsr-4050	116	21	)	)	PUNCT
fsr-4050	116	22	,	,	PUNCT
fsr-4050	116	23	and	and	CCONJ
fsr-4050	116	24	the	the	DET
fsr-4050	116	25	unified	unified	ADJ
fsr-4050	116	26	theory	theory	NOUN
fsr-4050	116	27	of	of	ADP
fsr-4050	116	28	acceptance	acceptance	NOUN
fsr-4050	116	29	and	and	CCONJ
fsr-4050	116	30	use	use	NOUN
fsr-4050	116	31	of	of	ADP
fsr-4050	116	32	technology	technology	NOUN
fsr-4050	116	33	(	(	PUNCT
fsr-4050	116	34	utaut	utaut	PROPN
fsr-4050	116	35	)	)	PUNCT
fsr-4050	116	36	(	(	PUNCT
fsr-4050	116	37	venkatesh	venkatesh	NOUN
fsr-4050	116	38	et	et	PROPN
fsr-4050	116	39	al	al	PROPN
fsr-4050	116	40	.	.	PROPN
fsr-4050	116	41	,	,	PUNCT
fsr-4050	116	42	2003	2003	NUM
fsr-4050	116	43	)	)	PUNCT
fsr-4050	116	44	are	be	AUX
fsr-4050	116	45	the	the	DET
fsr-4050	116	46	most	most	ADV
fsr-4050	116	47	widely	widely	ADV
fsr-4050	116	48	utilized	utilize	VERB
fsr-4050	116	49	models	model	NOUN
fsr-4050	116	50	of	of	ADP
fsr-4050	116	51	acceptance	acceptance	NOUN
fsr-4050	116	52	and	and	CCONJ
fsr-4050	116	53	usage	usage	NOUN
fsr-4050	116	54	of	of	ADP
fsr-4050	116	55	innovative	innovative	ADJ
fsr-4050	116	56	technology	technology	NOUN
fsr-4050	116	57	.	.	PUNCT
fsr-4050	117	1	generally	generally	ADV
fsr-4050	117	2	,	,	PUNCT
fsr-4050	117	3	these	these	DET
fsr-4050	117	4	models	model	NOUN
fsr-4050	117	5	indicate	indicate	VERB
fsr-4050	117	6	that	that	SCONJ
fsr-4050	117	7	users	user	NOUN
fsr-4050	117	8	'	'	PART
fsr-4050	117	9	behavioral	behavioral	ADJ
fsr-4050	117	10	attributes	attribute	NOUN
fsr-4050	117	11	of	of	ADP
fsr-4050	117	12	a	a	DET
fsr-4050	117	13	specific	specific	ADJ
fsr-4050	117	14	technology	technology	NOUN
fsr-4050	117	15	,	,	PUNCT
fsr-4050	117	16	including	include	VERB
fsr-4050	117	17	perceived	perceive	VERB
fsr-4050	117	18	usefulness	usefulness	NOUN
fsr-4050	117	19	,	,	PUNCT
fsr-4050	117	20	perceived	perceive	VERB
fsr-4050	117	21	ease	ease	NOUN
fsr-4050	117	22	of	of	ADP
fsr-4050	117	23	use	use	NOUN
fsr-4050	117	24	,	,	PUNCT
fsr-4050	117	25	and	and	CCONJ
fsr-4050	117	26	social	social	ADJ
fsr-4050	117	27	influence	influence	NOUN
fsr-4050	117	28	,	,	PUNCT
fsr-4050	117	29	determine	determine	VERB
fsr-4050	117	30	their	their	PRON
fsr-4050	117	31	attitude	attitude	NOUN
fsr-4050	117	32	and	and	CCONJ
fsr-4050	117	33	intention	intention	NOUN
fsr-4050	117	34	to	to	PART
fsr-4050	117	35	use	use	VERB
fsr-4050	117	36	the	the	DET
fsr-4050	117	37	technology	technology	NOUN
fsr-4050	117	38	.	.	PUNCT
fsr-4050	118	1	the	the	DET
fsr-4050	118	2	intention	intention	NOUN
fsr-4050	118	3	,	,	PUNCT
fsr-4050	118	4	in	in	ADP
fsr-4050	118	5	turn	turn	NOUN
fsr-4050	118	6	,	,	PUNCT
fsr-4050	118	7	predicts	predict	VERB
fsr-4050	118	8	their	their	PRON
fsr-4050	118	9	actual	actual	ADJ
fsr-4050	118	10	technology	technology	NOUN
fsr-4050	118	11	usage	usage	NOUN
fsr-4050	118	12	.	.	PUNCT
fsr-4050	119	1	with	with	ADP
fsr-4050	119	2	the	the	DET
fsr-4050	119	3	ubiquity	ubiquity	NOUN
fsr-4050	119	4	of	of	ADP
fsr-4050	119	5	fintech	fintech	NOUN
fsr-4050	119	6	products	product	NOUN
fsr-4050	119	7	and	and	CCONJ
fsr-4050	119	8	services	service	NOUN
fsr-4050	119	9	,	,	PUNCT
fsr-4050	119	10	scholars	scholar	NOUN
fsr-4050	119	11	have	have	AUX
fsr-4050	119	12	explored	explore	VERB
fsr-4050	119	13	the	the	DET
fsr-4050	119	14	tam	tam	NOUN
fsr-4050	119	15	and	and	CCONJ
fsr-4050	119	16	utaut	utaut	NOUN
fsr-4050	119	17	in	in	ADP
fsr-4050	119	18	this	this	DET
fsr-4050	119	19	domain	domain	NOUN
fsr-4050	119	20	(	(	PUNCT
fsr-4050	119	21	i.e.	i.e.	X
fsr-4050	119	22	,	,	PUNCT
fsr-4050	119	23	hu	hu	PROPN
fsr-4050	119	24	et	et	PROPN
fsr-4050	119	25	al	al	PROPN
fsr-4050	119	26	.	.	PROPN
fsr-4050	119	27	,	,	PUNCT
fsr-4050	119	28	2019	2019	NUM
fsr-4050	119	29	;	;	PUNCT
fsr-4050	119	30	shih	shih	PROPN
fsr-4050	119	31	&	&	CCONJ
fsr-4050	119	32	fang	fang	PROPN
fsr-4050	119	33	,	,	PUNCT
fsr-4050	119	34	2004	2004	NUM
fsr-4050	119	35	;	;	PUNCT
fsr-4050	119	36	singh	singh	PROPN
fsr-4050	119	37	et	et	PROPN
fsr-4050	119	38	al	al	PROPN
fsr-4050	119	39	.	.	PROPN
fsr-4050	119	40	,	,	PUNCT
fsr-4050	119	41	2020	2020	NUM
fsr-4050	119	42	;	;	PUNCT
fsr-4050	119	43	samartha	samartha	PROPN
fsr-4050	119	44	et	et	PROPN
fsr-4050	119	45	al	al	PROPN
fsr-4050	119	46	.	.	PROPN
fsr-4050	119	47	,	,	PUNCT
fsr-4050	119	48	2022	2022	NUM
fsr-4050	119	49	;	;	PUNCT
fsr-4050	119	50	wang	wang	PROPN
fsr-4050	119	51	,	,	PUNCT
fsr-4050	119	52	2021	2021	NUM
fsr-4050	119	53	)	)	PUNCT
fsr-4050	119	54	with	with	ADP
fsr-4050	119	55	an	an	DET
fsr-4050	119	56	emphasis	emphasis	NOUN
fsr-4050	119	57	on	on	ADP
fsr-4050	119	58	how	how	SCONJ
fsr-4050	119	59	behavioral	behavioral	ADJ
fsr-4050	119	60	attributes	attribute	VERB
fsr-4050	119	61	influence	influence	NOUN
fsr-4050	119	62	attitude	attitude	NOUN
fsr-4050	119	63	and	and	CCONJ
fsr-4050	119	64	intention	intention	NOUN
fsr-4050	119	65	to	to	PART
fsr-4050	119	66	use	use	VERB
fsr-4050	119	67	fintech	fintech	NOUN
fsr-4050	119	68	.	.	PUNCT
fsr-4050	120	1	wang	wang	PROPN
fsr-4050	120	2	(	(	PUNCT
fsr-4050	120	3	2021	2021	NUM
fsr-4050	120	4	)	)	PUNCT
fsr-4050	120	5	revealed	reveal	VERB
fsr-4050	120	6	that	that	SCONJ
fsr-4050	120	7	face	face	NOUN
fsr-4050	120	8	and	and	CCONJ
fsr-4050	120	9	voice	voice	NOUN
fsr-4050	120	10	recognition	recognition	NOUN
fsr-4050	120	11	were	be	AUX
fsr-4050	120	12	the	the	DET
fsr-4050	120	13	most	most	ADV
fsr-4050	120	14	preferred	preferred	ADJ
fsr-4050	120	15	identifications	identification	NOUN
fsr-4050	120	16	methods	method	NOUN
fsr-4050	120	17	in	in	ADP
fsr-4050	120	18	fintech	fintech	NOUN
fsr-4050	120	19	apps	app	NOUN
fsr-4050	120	20	,	,	PUNCT
fsr-4050	120	21	which	which	PRON
fsr-4050	120	22	positively	positively	ADV
fsr-4050	120	23	influenced	influence	VERB
fsr-4050	120	24	users	user	NOUN
fsr-4050	120	25	'	'	PART
fsr-4050	120	26	perceived	perceive	VERB
fsr-4050	120	27	trust	trust	NOUN
fsr-4050	120	28	and	and	CCONJ
fsr-4050	120	29	perceived	perceive	VERB
fsr-4050	120	30	privacy	privacy	NOUN
fsr-4050	120	31	.	.	PUNCT
fsr-4050	121	1	hu	hu	PROPN
fsr-4050	121	2	et	et	PROPN
fsr-4050	121	3	al	al	PROPN
fsr-4050	121	4	.	.	PROPN
fsr-4050	122	1	(	(	PUNCT
fsr-4050	122	2	2019	2019	NUM
fsr-4050	122	3	)	)	PUNCT
fsr-4050	122	4	showed	show	VERB
fsr-4050	122	5	that	that	SCONJ
fsr-4050	122	6	bank	bank	NOUN
fsr-4050	122	7	users	user	NOUN
fsr-4050	122	8	'	'	PART
fsr-4050	122	9	trust	trust	NOUN
fsr-4050	122	10	in	in	ADP
fsr-4050	122	11	fintech	fintech	NOUN
fsr-4050	122	12	services	service	NOUN
fsr-4050	122	13	indirectly	indirectly	ADV
fsr-4050	122	14	predicted	predict	VERB
fsr-4050	122	15	their	their	PRON
fsr-4050	122	16	attitudes	attitude	NOUN
fsr-4050	122	17	,	,	PUNCT
fsr-4050	122	18	which	which	PRON
fsr-4050	122	19	consequently	consequently	ADV
fsr-4050	122	20	positively	positively	ADV
fsr-4050	122	21	impacted	impact	VERB
fsr-4050	122	22	their	their	PRON
fsr-4050	122	23	intention	intention	NOUN
fsr-4050	122	24	to	to	PART
fsr-4050	122	25	adopt	adopt	VERB
fsr-4050	122	26	these	these	DET
fsr-4050	122	27	services	service	NOUN
fsr-4050	122	28	for	for	ADP
fsr-4050	122	29	a	a	DET
fsr-4050	122	30	better	well	ADJ
fsr-4050	122	31	experience	experience	NOUN
fsr-4050	122	32	.	.	PUNCT
fsr-4050	123	1	using	use	VERB
fsr-4050	123	2	the	the	DET
fsr-4050	123	3	utaut	utaut	PROPN
fsr-4050	123	4	model	model	NOUN
fsr-4050	123	5	,	,	PUNCT
fsr-4050	123	6	samartha	samartha	PROPN
fsr-4050	123	7	et	et	PROPN
fsr-4050	123	8	al	al	PROPN
fsr-4050	123	9	.	.	PROPN
fsr-4050	124	1	(	(	PUNCT
fsr-4050	124	2	2022	2022	NUM
fsr-4050	124	3	)	)	PUNCT
fsr-4050	124	4	found	find	VERB
fsr-4050	124	5	similar	similar	ADJ
fsr-4050	124	6	results	result	NOUN
fsr-4050	124	7	that	that	PRON
fsr-4050	124	8	ease	ease	NOUN
fsr-4050	124	9	of	of	ADP
fsr-4050	124	10	use	use	NOUN
fsr-4050	124	11	and	and	CCONJ
fsr-4050	124	12	trust	trust	NOUN
fsr-4050	124	13	positively	positively	ADV
fsr-4050	124	14	influenced	influence	VERB
fsr-4050	124	15	the	the	DET
fsr-4050	124	16	intention	intention	NOUN
fsr-4050	124	17	to	to	PART
fsr-4050	124	18	adopt	adopt	VERB
fsr-4050	124	19	mobile	mobile	ADJ
fsr-4050	124	20	banking	banking	NOUN
fsr-4050	124	21	apps	app	NOUN
fsr-4050	124	22	.	.	PUNCT
fsr-4050	125	1	so	so	ADV
fsr-4050	125	2	far	far	ADV
fsr-4050	125	3	,	,	PUNCT
fsr-4050	125	4	a	a	DET
fsr-4050	125	5	few	few	ADJ
fsr-4050	125	6	studies	study	NOUN
fsr-4050	125	7	have	have	AUX
fsr-4050	125	8	examined	examine	VERB
fsr-4050	125	9	the	the	DET
fsr-4050	125	10	impact	impact	NOUN
fsr-4050	125	11	of	of	ADP
fsr-4050	125	12	the	the	DET
fsr-4050	125	13	intention	intention	NOUN
fsr-4050	125	14	to	to	PART
fsr-4050	125	15	use	use	VERB
fsr-4050	125	16	fintech	fintech	NOUN
fsr-4050	125	17	on	on	ADP
fsr-4050	125	18	actual	actual	ADJ
fsr-4050	125	19	fintech	fintech	NOUN
fsr-4050	125	20	use	use	NOUN
fsr-4050	125	21	but	but	CCONJ
fsr-4050	125	22	have	have	AUX
fsr-4050	125	23	not	not	PART
fsr-4050	125	24	provided	provide	VERB
fsr-4050	125	25	conclusive	conclusive	ADJ
fsr-4050	125	26	findings	finding	NOUN
fsr-4050	125	27	.	.	PUNCT
fsr-4050	126	1	shih	shih	NOUN
fsr-4050	126	2	and	and	CCONJ
fsr-4050	126	3	fang	fang	X
fsr-4050	126	4	(	(	PUNCT
fsr-4050	126	5	2004	2004	NUM
fsr-4050	126	6	)	)	PUNCT
fsr-4050	126	7	found	find	VERB
fsr-4050	126	8	a	a	DET
fsr-4050	126	9	positive	positive	ADJ
fsr-4050	126	10	relationship	relationship	NOUN
fsr-4050	126	11	between	between	ADP
fsr-4050	126	12	the	the	DET
fsr-4050	126	13	intention	intention	NOUN
fsr-4050	126	14	to	to	PART
fsr-4050	126	15	use	use	VERB
fsr-4050	126	16	online	online	ADJ
fsr-4050	126	17	banking	banking	NOUN
fsr-4050	126	18	and	and	CCONJ
fsr-4050	126	19	the	the	DET
fsr-4050	126	20	actual	actual	ADJ
fsr-4050	126	21	fintech	fintech	NOUN
fsr-4050	126	22	use	use	NOUN
fsr-4050	126	23	of	of	ADP
fsr-4050	126	24	online	online	ADJ
fsr-4050	126	25	banking	banking	NOUN
fsr-4050	126	26	services	service	NOUN
fsr-4050	126	27	.	.	PUNCT
fsr-4050	127	1	however	however	ADV
fsr-4050	127	2	,	,	PUNCT
fsr-4050	127	3	singh	singh	PROPN
fsr-4050	127	4	et	et	PROPN
fsr-4050	127	5	al	al	PROPN
fsr-4050	127	6	.	.	PROPN
fsr-4050	127	7	(	(	PUNCT
fsr-4050	127	8	2020	2020	NUM
fsr-4050	127	9	)	)	PUNCT
fsr-4050	127	10	showed	show	VERB
fsr-4050	127	11	that	that	SCONJ
fsr-4050	127	12	intention	intention	NOUN
fsr-4050	127	13	to	to	PART
fsr-4050	127	14	use	use	VERB
fsr-4050	127	15	fintech	fintech	NOUN
fsr-4050	127	16	did	do	AUX
fsr-4050	127	17	not	not	PART
fsr-4050	127	18	determine	determine	VERB
fsr-4050	127	19	actual	actual	ADJ
fsr-4050	127	20	fintech	fintech	NOUN
fsr-4050	127	21	use	use	NOUN
fsr-4050	127	22	frequency	frequency	NOUN
fsr-4050	127	23	.	.	PUNCT
fsr-4050	128	1	thus	thus	ADV
fsr-4050	128	2	,	,	PUNCT
fsr-4050	128	3	our	our	PRON
fsr-4050	128	4	study	study	NOUN
fsr-4050	128	5	extends	extend	VERB
fsr-4050	128	6	the	the	DET
fsr-4050	128	7	use	use	NOUN
fsr-4050	128	8	of	of	ADP
fsr-4050	128	9	the	the	DET
fsr-4050	128	10	tpb	tpb	NOUN
fsr-4050	128	11	to	to	ADP
fsr-4050	128	12	the	the	DET
fsr-4050	128	13	phenomenon	phenomenon	NOUN
fsr-4050	128	14	of	of	ADP
fsr-4050	128	15	adequate	adequate	ADJ
fsr-4050	128	16	emergency	emergency	NOUN
fsr-4050	128	17	fund	fund	NOUN
fsr-4050	128	18	savings	saving	NOUN
fsr-4050	128	19	through	through	ADP
fsr-4050	128	20	the	the	DET
fsr-4050	128	21	lens	lens	NOUN
fsr-4050	128	22	of	of	ADP
fsr-4050	128	23	technology	technology	NOUN
fsr-4050	128	24	adoption	adoption	NOUN
fsr-4050	128	25	.	.	PUNCT
fsr-4050	129	1	chen	chen	PROPN
fsr-4050	129	2	et	et	PROPN
fsr-4050	129	3	al	al	PROPN
fsr-4050	129	4	.	.	PROPN
fsr-4050	129	5	25	25	NUM
fsr-4050	129	6	based	base	VERB
fsr-4050	129	7	on	on	ADP
fsr-4050	129	8	the	the	DET
fsr-4050	129	9	tpb	tpb	NOUN
fsr-4050	129	10	and	and	CCONJ
fsr-4050	129	11	technology	technology	NOUN
fsr-4050	129	12	adoption	adoption	NOUN
fsr-4050	129	13	models	model	NOUN
fsr-4050	129	14	(	(	PUNCT
fsr-4050	129	15	i.e.	i.e.	X
fsr-4050	129	16	,	,	PUNCT
fsr-4050	129	17	tam	tam	PROPN
fsr-4050	129	18	,	,	PUNCT
fsr-4050	129	19	utaut	utaut	NOUN
fsr-4050	129	20	)	)	PUNCT
fsr-4050	129	21	,	,	PUNCT
fsr-4050	129	22	we	we	PRON
fsr-4050	129	23	posit	posit	VERB
fsr-4050	129	24	that	that	SCONJ
fsr-4050	129	25	these	these	DET
fsr-4050	129	26	three	three	NUM
fsr-4050	129	27	antecedents	antecedent	NOUN
fsr-4050	129	28	(	(	PUNCT
fsr-4050	129	29	i.e.	i.e.	X
fsr-4050	129	30	,	,	PUNCT
fsr-4050	129	31	attitude	attitude	NOUN
fsr-4050	129	32	,	,	PUNCT
fsr-4050	129	33	subjective	subjective	ADJ
fsr-4050	129	34	norms	norm	NOUN
fsr-4050	129	35	,	,	PUNCT
fsr-4050	129	36	and	and	CCONJ
fsr-4050	129	37	perceived	perceive	VERB
fsr-4050	129	38	behavioral	behavioral	ADJ
fsr-4050	129	39	control	control	NOUN
fsr-4050	129	40	)	)	PUNCT
fsr-4050	129	41	will	will	AUX
fsr-4050	129	42	determine	determine	VERB
fsr-4050	129	43	an	an	DET
fsr-4050	129	44	individual	individual	NOUN
fsr-4050	129	45	's	's	PART
fsr-4050	129	46	intention	intention	NOUN
fsr-4050	129	47	to	to	PART
fsr-4050	129	48	use	use	VERB
fsr-4050	129	49	fintech	fintech	NOUN
fsr-4050	129	50	to	to	PART
fsr-4050	129	51	save	save	VERB
fsr-4050	129	52	,	,	PUNCT
fsr-4050	129	53	which	which	PRON
fsr-4050	129	54	will	will	AUX
fsr-4050	129	55	then	then	ADV
fsr-4050	129	56	influence	influence	VERB
fsr-4050	129	57	them	they	PRON
fsr-4050	129	58	to	to	PART
fsr-4050	129	59	actually	actually	ADV
fsr-4050	129	60	use	use	VERB
fsr-4050	129	61	saving	saving	NOUN
fsr-4050	129	62	-	-	PUNCT
fsr-4050	129	63	related	relate	VERB
fsr-4050	129	64	fintech	fintech	NOUN
fsr-4050	129	65	products	product	NOUN
fsr-4050	129	66	or	or	CCONJ
fsr-4050	129	67	services	service	NOUN
fsr-4050	129	68	.	.	PUNCT
fsr-4050	130	1	finally	finally	ADV
fsr-4050	130	2	,	,	PUNCT
fsr-4050	130	3	the	the	DET
fsr-4050	130	4	actual	actual	ADJ
fsr-4050	130	5	use	use	NOUN
fsr-4050	130	6	of	of	ADP
fsr-4050	130	7	fintech	fintech	NOUN
fsr-4050	130	8	will	will	AUX
fsr-4050	130	9	affect	affect	VERB
fsr-4050	130	10	their	their	PRON
fsr-4050	130	11	adequate	adequate	ADJ
fsr-4050	130	12	emergency	emergency	NOUN
fsr-4050	130	13	fund	fund	NOUN
fsr-4050	130	14	savings	saving	NOUN
fsr-4050	130	15	.	.	PUNCT
fsr-4050	131	1	hypotheses	hypothesis	NOUN
fsr-4050	131	2	as	as	SCONJ
fsr-4050	131	3	previously	previously	ADV
fsr-4050	131	4	mentioned	mention	VERB
fsr-4050	131	5	,	,	PUNCT
fsr-4050	131	6	the	the	DET
fsr-4050	131	7	three	three	NUM
fsr-4050	131	8	antecedents	antecedent	NOUN
fsr-4050	131	9	of	of	ADP
fsr-4050	131	10	tpb	tpb	NOUN
fsr-4050	131	11	influence	influence	NOUN
fsr-4050	131	12	an	an	DET
fsr-4050	131	13	individual	individual	NOUN
fsr-4050	131	14	's	's	PART
fsr-4050	131	15	intention	intention	NOUN
fsr-4050	131	16	.	.	PUNCT
fsr-4050	132	1	in	in	ADP
fsr-4050	132	2	the	the	DET
fsr-4050	132	3	context	context	NOUN
fsr-4050	132	4	of	of	ADP
fsr-4050	132	5	saving	save	VERB
fsr-4050	132	6	behaviors	behavior	NOUN
fsr-4050	132	7	,	,	PUNCT
fsr-4050	132	8	research	research	NOUN
fsr-4050	132	9	has	have	AUX
fsr-4050	132	10	found	find	VERB
fsr-4050	132	11	that	that	SCONJ
fsr-4050	132	12	attitude	attitude	NOUN
fsr-4050	132	13	,	,	PUNCT
fsr-4050	132	14	subjective	subjective	ADJ
fsr-4050	132	15	norms	norm	NOUN
fsr-4050	132	16	,	,	PUNCT
fsr-4050	132	17	and	and	CCONJ
fsr-4050	132	18	perceived	perceive	VERB
fsr-4050	132	19	behavior	behavior	NOUN
fsr-4050	132	20	control	control	NOUN
fsr-4050	132	21	toward	toward	ADP
fsr-4050	132	22	savings	saving	NOUN
fsr-4050	132	23	directly	directly	ADV
fsr-4050	132	24	affect	affect	VERB
fsr-4050	132	25	individuals	individual	NOUN
fsr-4050	132	26	'	'	PART
fsr-4050	132	27	intention	intention	NOUN
fsr-4050	132	28	to	to	PART
fsr-4050	132	29	save	save	VERB
fsr-4050	132	30	and	and	CCONJ
fsr-4050	132	31	thus	thus	ADV
fsr-4050	132	32	affect	affect	VERB
fsr-4050	132	33	actual	actual	ADJ
fsr-4050	132	34	savings	saving	NOUN
fsr-4050	132	35	behaviors	behavior	NOUN
fsr-4050	132	36	such	such	ADJ
fsr-4050	132	37	as	as	ADP
fsr-4050	132	38	saving	save	VERB
fsr-4050	132	39	for	for	ADP
fsr-4050	132	40	security	security	NOUN
fsr-4050	132	41	needs	need	NOUN
fsr-4050	132	42	(	(	PUNCT
fsr-4050	132	43	devaney	devaney	PROPN
fsr-4050	132	44	et	et	PROPN
fsr-4050	132	45	al	al	PROPN
fsr-4050	132	46	.	.	PROPN
fsr-4050	132	47	,	,	PUNCT
fsr-4050	132	48	2007	2007	NUM
fsr-4050	132	49	)	)	PUNCT
fsr-4050	132	50	and	and	CCONJ
fsr-4050	132	51	retirement	retirement	NOUN
fsr-4050	132	52	(	(	PUNCT
fsr-4050	132	53	magwegwe	magwegwe	PROPN
fsr-4050	132	54	&	&	CCONJ
fsr-4050	132	55	lim	lim	PROPN
fsr-4050	132	56	,	,	PUNCT
fsr-4050	132	57	2021	2021	NUM
fsr-4050	132	58	)	)	PUNCT
fsr-4050	132	59	.	.	PUNCT
fsr-4050	133	1	regarding	regard	VERB
fsr-4050	133	2	the	the	DET
fsr-4050	133	3	attitude	attitude	NOUN
fsr-4050	133	4	toward	toward	ADP
fsr-4050	133	5	savings	saving	NOUN
fsr-4050	133	6	,	,	PUNCT
fsr-4050	133	7	magwegwe	magwegwe	PROPN
fsr-4050	133	8	and	and	CCONJ
fsr-4050	133	9	lim	lim	PROPN
fsr-4050	133	10	(	(	PUNCT
fsr-4050	133	11	2021	2021	NUM
fsr-4050	133	12	)	)	PUNCT
fsr-4050	133	13	showed	show	VERB
fsr-4050	133	14	that	that	SCONJ
fsr-4050	133	15	attitudes	attitude	NOUN
fsr-4050	133	16	toward	toward	ADP
fsr-4050	133	17	savings	saving	NOUN
fsr-4050	133	18	directly	directly	ADV
fsr-4050	133	19	affect	affect	VERB
fsr-4050	133	20	individuals	individual	NOUN
fsr-4050	133	21	'	'	PART
fsr-4050	133	22	intentions	intention	NOUN
fsr-4050	133	23	and	and	CCONJ
fsr-4050	133	24	actual	actual	ADJ
fsr-4050	133	25	ira	ira	PROPN
fsr-4050	133	26	ownership	ownership	NOUN
fsr-4050	133	27	.	.	PUNCT
fsr-4050	134	1	people	people	NOUN
fsr-4050	134	2	might	might	AUX
fsr-4050	134	3	be	be	AUX
fsr-4050	134	4	motivated	motivate	VERB
fsr-4050	134	5	to	to	PART
fsr-4050	134	6	save	save	VERB
fsr-4050	134	7	for	for	ADP
fsr-4050	134	8	basic	basic	ADJ
fsr-4050	134	9	or	or	CCONJ
fsr-4050	134	10	security	security	NOUN
fsr-4050	134	11	needs	need	NOUN
fsr-4050	134	12	(	(	PUNCT
fsr-4050	134	13	devaney	devaney	PROPN
fsr-4050	134	14	et	et	PROPN
fsr-4050	134	15	al	al	PROPN
fsr-4050	134	16	.	.	PROPN
fsr-4050	134	17	,	,	PUNCT
fsr-4050	134	18	2007	2007	NUM
fsr-4050	134	19	)	)	PUNCT
fsr-4050	134	20	.	.	PUNCT
fsr-4050	135	1	for	for	ADP
fsr-4050	135	2	example	example	NOUN
fsr-4050	135	3	,	,	PUNCT
fsr-4050	135	4	young	young	ADJ
fsr-4050	135	5	people	people	NOUN
fsr-4050	135	6	who	who	PRON
fsr-4050	135	7	need	need	VERB
fsr-4050	135	8	to	to	PART
fsr-4050	135	9	meet	meet	VERB
fsr-4050	135	10	their	their	PRON
fsr-4050	135	11	monthly	monthly	ADJ
fsr-4050	135	12	basic	basic	ADJ
fsr-4050	135	13	needs	need	NOUN
fsr-4050	135	14	might	might	AUX
fsr-4050	135	15	not	not	PART
fsr-4050	135	16	intend	intend	VERB
fsr-4050	135	17	to	to	PART
fsr-4050	135	18	save	save	VERB
fsr-4050	135	19	.	.	PUNCT
fsr-4050	136	1	when	when	SCONJ
fsr-4050	136	2	their	their	PRON
fsr-4050	136	3	basic	basic	ADJ
fsr-4050	136	4	needs	need	NOUN
fsr-4050	136	5	have	have	AUX
fsr-4050	136	6	been	be	AUX
fsr-4050	136	7	achieved	achieve	VERB
fsr-4050	136	8	,	,	PUNCT
fsr-4050	136	9	they	they	PRON
fsr-4050	136	10	might	might	AUX
fsr-4050	136	11	move	move	VERB
fsr-4050	136	12	up	up	ADP
fsr-4050	136	13	to	to	ADP
fsr-4050	136	14	the	the	DET
fsr-4050	136	15	next	next	ADJ
fsr-4050	136	16	level	level	NOUN
fsr-4050	136	17	of	of	ADP
fsr-4050	136	18	savings	saving	NOUN
fsr-4050	136	19	motives	motive	NOUN
fsr-4050	136	20	and	and	CCONJ
fsr-4050	136	21	thus	thus	ADV
fsr-4050	136	22	intend	intend	VERB
fsr-4050	136	23	to	to	PART
fsr-4050	136	24	save	save	VERB
fsr-4050	136	25	for	for	ADP
fsr-4050	136	26	security	security	NOUN
fsr-4050	136	27	needs	need	NOUN
fsr-4050	136	28	to	to	PART
fsr-4050	136	29	cover	cover	VERB
fsr-4050	136	30	unexpected	unexpected	ADJ
fsr-4050	136	31	financial	financial	ADJ
fsr-4050	136	32	shocks	shock	NOUN
fsr-4050	136	33	.	.	PUNCT
fsr-4050	137	1	on	on	ADP
fsr-4050	137	2	the	the	DET
fsr-4050	137	3	one	one	NUM
fsr-4050	137	4	hand	hand	NOUN
fsr-4050	137	5	,	,	PUNCT
fsr-4050	137	6	maintaining	maintain	VERB
fsr-4050	137	7	adequate	adequate	ADJ
fsr-4050	137	8	emergency	emergency	NOUN
fsr-4050	137	9	fund	fund	NOUN
fsr-4050	137	10	savings	saving	NOUN
fsr-4050	137	11	can	can	AUX
fsr-4050	137	12	help	help	VERB
fsr-4050	137	13	people	people	NOUN
fsr-4050	137	14	achieve	achieve	VERB
fsr-4050	137	15	the	the	DET
fsr-4050	137	16	goal	goal	NOUN
fsr-4050	137	17	of	of	ADP
fsr-4050	137	18	financial	financial	ADJ
fsr-4050	137	19	security	security	NOUN
fsr-4050	137	20	(	(	PUNCT
fsr-4050	137	21	despard	despard	PROPN
fsr-4050	137	22	&	&	CCONJ
fsr-4050	137	23	roll	roll	PROPN
fsr-4050	137	24	,	,	PUNCT
fsr-4050	137	25	2024	2024	NUM
fsr-4050	137	26	)	)	PUNCT
fsr-4050	137	27	.	.	PUNCT
fsr-4050	138	1	on	on	ADP
fsr-4050	138	2	the	the	DET
fsr-4050	138	3	other	other	ADJ
fsr-4050	138	4	hand	hand	NOUN
fsr-4050	138	5	,	,	PUNCT
fsr-4050	138	6	with	with	ADP
fsr-4050	138	7	the	the	DET
fsr-4050	138	8	advancement	advancement	NOUN
fsr-4050	138	9	of	of	ADP
fsr-4050	138	10	fintech	fintech	NOUN
fsr-4050	138	11	and	and	CCONJ
fsr-4050	138	12	its	its	PRON
fsr-4050	138	13	prevalence	prevalence	NOUN
fsr-4050	138	14	,	,	PUNCT
fsr-4050	138	15	the	the	DET
fsr-4050	138	16	benefits	benefit	NOUN
fsr-4050	138	17	of	of	ADP
fsr-4050	138	18	fintech	fintech	NOUN
fsr-4050	138	19	use	use	NOUN
fsr-4050	138	20	have	have	AUX
fsr-4050	138	21	been	be	AUX
fsr-4050	138	22	promoted	promote	VERB
fsr-4050	138	23	regarding	regard	VERB
fsr-4050	138	24	its	its	PRON
fsr-4050	138	25	usefulness	usefulness	NOUN
fsr-4050	138	26	(	(	PUNCT
fsr-4050	138	27	i.e.	i.e.	X
fsr-4050	138	28	,	,	PUNCT
fsr-4050	138	29	savings	saving	NOUN
fsr-4050	138	30	,	,	PUNCT
fsr-4050	138	31	account	account	NOUN
fsr-4050	138	32	monitoring	monitoring	NOUN
fsr-4050	138	33	,	,	PUNCT
fsr-4050	138	34	security	security	NOUN
fsr-4050	138	35	)	)	PUNCT
fsr-4050	138	36	and	and	CCONJ
fsr-4050	138	37	ease	ease	NOUN
fsr-4050	138	38	of	of	ADP
fsr-4050	138	39	use	use	NOUN
fsr-4050	138	40	(	(	PUNCT
fsr-4050	138	41	abis	abis	PROPN
fsr-4050	138	42	et	et	PROPN
fsr-4050	138	43	al	al	PROPN
fsr-4050	138	44	.	.	PROPN
fsr-4050	138	45	,	,	PUNCT
fsr-4050	138	46	2025	2025	NUM
fsr-4050	138	47	;	;	PUNCT
fsr-4050	138	48	bajunaied	bajunaie	VERB
fsr-4050	138	49	et	et	PROPN
fsr-4050	138	50	al	al	PROPN
fsr-4050	138	51	.	.	PROPN
fsr-4050	138	52	,	,	PUNCT
fsr-4050	138	53	2023	2023	NUM
fsr-4050	138	54	;	;	PUNCT
fsr-4050	138	55	risman	risman	NOUN
fsr-4050	138	56	et	et	PROPN
fsr-4050	138	57	al	al	PROPN
fsr-4050	138	58	.	.	PROPN
fsr-4050	138	59	,	,	PUNCT
fsr-4050	138	60	2022	2022	NUM
fsr-4050	138	61	)	)	PUNCT
fsr-4050	138	62	.	.	PUNCT
fsr-4050	139	1	these	these	DET
fsr-4050	139	2	factors	factor	NOUN
fsr-4050	139	3	might	might	AUX
fsr-4050	139	4	enhance	enhance	VERB
fsr-4050	139	5	households	household	NOUN
fsr-4050	139	6	'	'	PART
fsr-4050	139	7	attitudes	attitude	NOUN
fsr-4050	139	8	toward	toward	ADP
fsr-4050	139	9	adequate	adequate	ADJ
fsr-4050	139	10	emergency	emergency	NOUN
fsr-4050	139	11	fund	fund	NOUN
fsr-4050	139	12	savings	saving	NOUN
fsr-4050	139	13	with	with	ADP
fsr-4050	139	14	fintech	fintech	NOUN
fsr-4050	139	15	.	.	PUNCT
fsr-4050	140	1	thus	thus	ADV
fsr-4050	140	2	,	,	PUNCT
fsr-4050	140	3	we	we	PRON
fsr-4050	140	4	hypothesized	hypothesize	VERB
fsr-4050	140	5	as	as	SCONJ
fsr-4050	140	6	follows	follow	VERB
fsr-4050	140	7	:	:	PUNCT
fsr-4050	140	8	h1	h1	NOUN
fsr-4050	140	9	:	:	PUNCT
fsr-4050	140	10	a	a	DET
fsr-4050	140	11	favorable	favorable	ADJ
fsr-4050	140	12	attitude	attitude	NOUN
fsr-4050	140	13	toward	toward	ADP
fsr-4050	140	14	adequate	adequate	ADJ
fsr-4050	140	15	emergency	emergency	NOUN
fsr-4050	140	16	fund	fund	NOUN
fsr-4050	140	17	savings	saving	NOUN
fsr-4050	140	18	is	be	AUX
fsr-4050	140	19	positively	positively	ADV
fsr-4050	140	20	associated	associate	VERB
fsr-4050	140	21	with	with	ADP
fsr-4050	140	22	the	the	DET
fsr-4050	140	23	intention	intention	NOUN
fsr-4050	140	24	to	to	PART
fsr-4050	140	25	use	use	VERB
fsr-4050	140	26	fintech	fintech	NOUN
fsr-4050	140	27	to	to	PART
fsr-4050	140	28	save	save	VERB
fsr-4050	140	29	.	.	PUNCT
fsr-4050	141	1	regarding	regard	VERB
fsr-4050	141	2	subjective	subjective	ADJ
fsr-4050	141	3	norms	norm	NOUN
fsr-4050	141	4	,	,	PUNCT
fsr-4050	141	5	families	family	NOUN
fsr-4050	141	6	’	'	PUNCT
fsr-4050	141	7	and	and	CCONJ
fsr-4050	141	8	friends	friend	NOUN
fsr-4050	141	9	'	'	PART
fsr-4050	141	10	perceptions	perception	NOUN
fsr-4050	141	11	of	of	ADP
fsr-4050	141	12	savings	saving	NOUN
fsr-4050	141	13	are	be	AUX
fsr-4050	141	14	positively	positively	ADV
fsr-4050	141	15	associated	associate	VERB
fsr-4050	141	16	with	with	ADP
fsr-4050	141	17	the	the	DET
fsr-4050	141	18	intention	intention	NOUN
fsr-4050	141	19	to	to	PART
fsr-4050	141	20	save	save	VERB
fsr-4050	141	21	(	(	PUNCT
fsr-4050	141	22	duflo	duflo	PROPN
fsr-4050	141	23	&	&	CCONJ
fsr-4050	141	24	saez	saez	PROPN
fsr-4050	141	25	,	,	PUNCT
fsr-4050	141	26	2003	2003	NUM
fsr-4050	141	27	;	;	PUNCT
fsr-4050	141	28	lučić	lučić	VERB
fsr-4050	141	29	et	et	PROPN
fsr-4050	141	30	al	al	PROPN
fsr-4050	141	31	.	.	PROPN
fsr-4050	141	32	,	,	PUNCT
fsr-4050	141	33	2025	2025	NUM
fsr-4050	141	34	;	;	PUNCT
fsr-4050	141	35	magwegwe	magwegwe	PROPN
fsr-4050	141	36	&	&	CCONJ
fsr-4050	141	37	lim	lim	PROPN
fsr-4050	141	38	,	,	PUNCT
fsr-4050	141	39	2021	2021	NUM
fsr-4050	141	40	)	)	PUNCT
fsr-4050	141	41	.	.	PUNCT
fsr-4050	142	1	for	for	ADP
fsr-4050	142	2	example	example	NOUN
fsr-4050	142	3	,	,	PUNCT
fsr-4050	142	4	lučić	lučić	VERB
fsr-4050	142	5	et	et	PROPN
fsr-4050	142	6	al	al	PROPN
fsr-4050	142	7	.	.	PROPN
fsr-4050	143	1	(	(	PUNCT
fsr-4050	143	2	2025	2025	NUM
fsr-4050	143	3	)	)	PUNCT
fsr-4050	143	4	found	find	VERB
fsr-4050	143	5	that	that	SCONJ
fsr-4050	143	6	parents	parent	NOUN
fsr-4050	143	7	'	'	PART
fsr-4050	143	8	and	and	CCONJ
fsr-4050	143	9	peers	peer	NOUN
fsr-4050	143	10	'	'	PART
fsr-4050	143	11	norms	norm	NOUN
fsr-4050	143	12	significantly	significantly	ADV
fsr-4050	143	13	and	and	CCONJ
fsr-4050	143	14	positively	positively	ADV
fsr-4050	143	15	affected	affect	VERB
fsr-4050	143	16	children	child	NOUN
fsr-4050	143	17	's	's	PART
fsr-4050	143	18	intention	intention	NOUN
fsr-4050	143	19	to	to	PART
fsr-4050	143	20	save	save	VERB
fsr-4050	143	21	.	.	PUNCT
fsr-4050	144	1	similarly	similarly	ADV
fsr-4050	144	2	,	,	PUNCT
fsr-4050	144	3	magwegwe	magwegwe	PROPN
fsr-4050	144	4	and	and	CCONJ
fsr-4050	144	5	lim	lim	PROPN
fsr-4050	144	6	(	(	PUNCT
fsr-4050	144	7	2021	2021	NUM
fsr-4050	144	8	)	)	PUNCT
fsr-4050	144	9	revealed	reveal	VERB
fsr-4050	144	10	that	that	SCONJ
fsr-4050	144	11	subjective	subjective	ADJ
fsr-4050	144	12	norms	norm	NOUN
fsr-4050	144	13	positively	positively	ADV
fsr-4050	144	14	affected	affect	VERB
fsr-4050	144	15	individuals	individual	NOUN
fsr-4050	144	16	'	'	PART
fsr-4050	144	17	intention	intention	NOUN
fsr-4050	144	18	to	to	PART
fsr-4050	144	19	save	save	VERB
fsr-4050	144	20	for	for	ADP
fsr-4050	144	21	retirement	retirement	NOUN
fsr-4050	144	22	.	.	PUNCT
fsr-4050	145	1	moreover	moreover	ADV
fsr-4050	145	2	,	,	PUNCT
fsr-4050	145	3	peer	peer	NOUN
fsr-4050	145	4	norms	norm	NOUN
fsr-4050	145	5	influenced	influence	VERB
fsr-4050	145	6	the	the	DET
fsr-4050	145	7	contribution	contribution	NOUN
fsr-4050	145	8	portion	portion	NOUN
fsr-4050	145	9	of	of	ADP
fsr-4050	145	10	retirement	retirement	NOUN
fsr-4050	145	11	savings	saving	NOUN
fsr-4050	145	12	(	(	PUNCT
fsr-4050	145	13	beshears	beshear	NOUN
fsr-4050	145	14	et	et	PROPN
fsr-4050	145	15	al	al	PROPN
fsr-4050	145	16	.	.	PROPN
fsr-4050	145	17	,	,	PUNCT
fsr-4050	145	18	2015	2015	NUM
fsr-4050	145	19	)	)	PUNCT
fsr-4050	145	20	.	.	PUNCT
fsr-4050	146	1	venkatesh	venkatesh	NOUN
fsr-4050	146	2	et	et	PROPN
fsr-4050	146	3	al	al	PROPN
fsr-4050	146	4	.	.	PROPN
fsr-4050	146	5	's	's	PART
fsr-4050	146	6	utaut	utaut	PROPN
fsr-4050	146	7	(	(	PUNCT
fsr-4050	146	8	2003	2003	NUM
fsr-4050	146	9	)	)	PUNCT
fsr-4050	146	10	suggested	suggest	VERB
fsr-4050	146	11	that	that	SCONJ
fsr-4050	146	12	subjective	subjective	ADJ
fsr-4050	146	13	norms	norm	NOUN
fsr-4050	146	14	influenced	influence	VERB
fsr-4050	146	15	individuals	individual	NOUN
fsr-4050	146	16	'	'	PART
fsr-4050	146	17	intention	intention	NOUN
fsr-4050	146	18	to	to	PART
fsr-4050	146	19	use	use	VERB
fsr-4050	146	20	fintech	fintech	NOUN
fsr-4050	146	21	under	under	ADP
fsr-4050	146	22	voluntariness	voluntariness	ADJ
fsr-4050	146	23	and	and	CCONJ
fsr-4050	146	24	limited	limited	ADJ
fsr-4050	146	25	experience	experience	NOUN
fsr-4050	146	26	.	.	PUNCT
fsr-4050	147	1	we	we	PRON
fsr-4050	147	2	argue	argue	VERB
fsr-4050	147	3	that	that	SCONJ
fsr-4050	147	4	people	people	NOUN
fsr-4050	147	5	might	might	AUX
fsr-4050	147	6	voluntarily	voluntarily	ADV
fsr-4050	147	7	save	save	VERB
fsr-4050	147	8	for	for	ADP
fsr-4050	147	9	emergency	emergency	NOUN
fsr-4050	147	10	funds	fund	NOUN
fsr-4050	147	11	but	but	CCONJ
fsr-4050	147	12	have	have	VERB
fsr-4050	147	13	limited	limited	ADJ
fsr-4050	147	14	experience	experience	NOUN
fsr-4050	147	15	using	use	VERB
fsr-4050	147	16	fintech	fintech	NOUN
fsr-4050	147	17	.	.	PUNCT
fsr-4050	148	1	families	family	NOUN
fsr-4050	148	2	'	'	PART
fsr-4050	148	3	and	and	CCONJ
fsr-4050	148	4	friends	friend	NOUN
fsr-4050	148	5	'	'	PART
fsr-4050	148	6	perceptions	perception	NOUN
fsr-4050	148	7	of	of	ADP
fsr-4050	148	8	adequate	adequate	ADJ
fsr-4050	148	9	emergency	emergency	NOUN
fsr-4050	148	10	fund	fund	NOUN
fsr-4050	148	11	savings	saving	NOUN
fsr-4050	148	12	with	with	ADP
fsr-4050	148	13	fintech	fintech	NOUN
fsr-4050	148	14	use	use	NOUN
fsr-4050	148	15	might	might	AUX
fsr-4050	148	16	affect	affect	VERB
fsr-4050	148	17	their	their	PRON
fsr-4050	148	18	intention	intention	NOUN
fsr-4050	148	19	to	to	PART
fsr-4050	148	20	use	use	VERB
fsr-4050	148	21	fintech	fintech	NOUN
fsr-4050	148	22	to	to	PART
fsr-4050	148	23	save	save	VERB
fsr-4050	148	24	.	.	PUNCT
fsr-4050	149	1	additionally	additionally	ADV
fsr-4050	149	2	,	,	PUNCT
fsr-4050	149	3	an	an	DET
fsr-4050	149	4	individual	individual	NOUN
fsr-4050	149	5	's	's	PART
fsr-4050	149	6	intention	intention	NOUN
fsr-4050	149	7	to	to	PART
fsr-4050	149	8	use	use	VERB
fsr-4050	149	9	fintech	fintech	NOUN
fsr-4050	149	10	to	to	PART
fsr-4050	149	11	save	save	VERB
fsr-4050	149	12	can	can	AUX
fsr-4050	149	13	also	also	ADV
fsr-4050	149	14	be	be	AUX
fsr-4050	149	15	influenced	influence	VERB
fsr-4050	149	16	by	by	ADP
fsr-4050	149	17	social	social	ADJ
fsr-4050	149	18	media	medium	NOUN
fsr-4050	149	19	influencers	influencer	NOUN
fsr-4050	149	20	(	(	PUNCT
fsr-4050	149	21	safitri	safitri	PROPN
fsr-4050	149	22	et	et	PROPN
fsr-4050	149	23	al	al	PROPN
fsr-4050	149	24	.	.	PROPN
fsr-4050	149	25	,	,	PUNCT
fsr-4050	149	26	2021	2021	NUM
fsr-4050	149	27	)	)	PUNCT
fsr-4050	149	28	.	.	PUNCT
fsr-4050	150	1	thus	thus	ADV
fsr-4050	150	2	,	,	PUNCT
fsr-4050	150	3	we	we	PRON
fsr-4050	150	4	hypothesized	hypothesize	VERB
fsr-4050	150	5	as	as	SCONJ
fsr-4050	150	6	follows	follow	VERB
fsr-4050	150	7	:	:	PUNCT
fsr-4050	150	8	h2	h2	NOUN
fsr-4050	150	9	:	:	PUNCT
fsr-4050	150	10	the	the	DET
fsr-4050	150	11	subjective	subjective	ADJ
fsr-4050	150	12	norm	norm	NOUN
fsr-4050	150	13	regarding	regard	VERB
fsr-4050	150	14	emergency	emergency	NOUN
fsr-4050	150	15	fund	fund	NOUN
fsr-4050	150	16	savings	saving	NOUN
fsr-4050	150	17	is	be	AUX
fsr-4050	150	18	positively	positively	ADV
fsr-4050	150	19	associated	associate	VERB
fsr-4050	150	20	with	with	ADP
fsr-4050	150	21	the	the	DET
fsr-4050	150	22	intention	intention	NOUN
fsr-4050	150	23	to	to	PART
fsr-4050	150	24	use	use	VERB
fsr-4050	150	25	fintech	fintech	NOUN
fsr-4050	150	26	to	to	PART
fsr-4050	150	27	save	save	VERB
fsr-4050	150	28	.	.	PUNCT
fsr-4050	151	1	ajzen	ajzen	NOUN
fsr-4050	151	2	(	(	PUNCT
fsr-4050	151	3	1991	1991	NUM
fsr-4050	151	4	)	)	PUNCT
fsr-4050	151	5	suggested	suggest	VERB
fsr-4050	151	6	that	that	SCONJ
fsr-4050	151	7	perceived	perceive	VERB
fsr-4050	151	8	behavioral	behavioral	ADJ
fsr-4050	151	9	control	control	NOUN
fsr-4050	151	10	could	could	AUX
fsr-4050	151	11	be	be	AUX
fsr-4050	151	12	internally	internally	ADV
fsr-4050	151	13	evaluated	evaluate	VERB
fsr-4050	151	14	by	by	ADP
fsr-4050	151	15	individuals	individual	NOUN
fsr-4050	151	16	'	'	PART
fsr-4050	151	17	confidence	confidence	NOUN
fsr-4050	151	18	or	or	CCONJ
fsr-4050	151	19	self	self	NOUN
fsr-4050	151	20	-	-	PUNCT
fsr-4050	151	21	efficacy	efficacy	NOUN
fsr-4050	151	22	in	in	ADP
fsr-4050	151	23	specific	specific	ADJ
fsr-4050	151	24	situations	situation	NOUN
fsr-4050	151	25	.	.	PUNCT
fsr-4050	152	1	the	the	DET
fsr-4050	152	2	current	current	ADJ
fsr-4050	152	3	study	study	NOUN
fsr-4050	152	4	measured	measure	VERB
fsr-4050	152	5	perceived	perceive	VERB
fsr-4050	152	6	behavioral	behavioral	ADJ
fsr-4050	152	7	control	control	NOUN
fsr-4050	152	8	through	through	ADP
fsr-4050	152	9	an	an	DET
fsr-4050	152	10	individual	individual	NOUN
fsr-4050	152	11	's	's	PART
fsr-4050	152	12	confidence	confidence	NOUN
fsr-4050	152	13	in	in	ADP
fsr-4050	152	14	managing	manage	VERB
fsr-4050	152	15	emergency	emergency	NOUN
fsr-4050	152	16	fund	fund	NOUN
fsr-4050	152	17	savings	saving	NOUN
fsr-4050	152	18	.	.	PUNCT
fsr-4050	153	1	researchers	researcher	NOUN
fsr-4050	153	2	have	have	AUX
fsr-4050	153	3	found	find	VERB
fsr-4050	153	4	that	that	SCONJ
fsr-4050	153	5	perceived	perceive	VERB
fsr-4050	153	6	behavioral	behavioral	ADJ
fsr-4050	153	7	control	control	NOUN
fsr-4050	153	8	had	have	VERB
fsr-4050	153	9	a	a	DET
fsr-4050	153	10	direct	direct	ADJ
fsr-4050	153	11	positive	positive	ADJ
fsr-4050	153	12	relationship	relationship	NOUN
fsr-4050	153	13	with	with	ADP
fsr-4050	153	14	the	the	DET
fsr-4050	153	15	intention	intention	NOUN
fsr-4050	153	16	to	to	PART
fsr-4050	153	17	save	save	VERB
fsr-4050	153	18	(	(	PUNCT
fsr-4050	153	19	lučić	lučić	VERB
fsr-4050	153	20	et	et	PROPN
fsr-4050	153	21	al	al	PROPN
fsr-4050	153	22	.	.	PROPN
fsr-4050	153	23	,	,	PUNCT
fsr-4050	153	24	2025	2025	NUM
fsr-4050	153	25	;	;	PUNCT
fsr-4050	153	26	satsio	satsio	PROPN
fsr-4050	153	27	&	&	CCONJ
fsr-4050	153	28	hadjidakis	hadjidakis	PROPN
fsr-4050	153	29	,	,	PUNCT
fsr-4050	153	30	2018	2018	NUM
fsr-4050	153	31	)	)	PUNCT
fsr-4050	153	32	.	.	PUNCT
fsr-4050	154	1	moreover	moreover	ADV
fsr-4050	154	2	,	,	PUNCT
fsr-4050	154	3	individuals	individual	NOUN
fsr-4050	154	4	'	'	PART
fsr-4050	154	5	perceptions	perception	NOUN
fsr-4050	154	6	and	and	CCONJ
fsr-4050	154	7	evaluations	evaluation	NOUN
fsr-4050	154	8	depend	depend	VERB
fsr-4050	154	9	on	on	ADP
fsr-4050	154	10	external	external	ADJ
fsr-4050	154	11	factors	factor	NOUN
fsr-4050	154	12	,	,	PUNCT
fsr-4050	154	13	such	such	ADJ
fsr-4050	154	14	as	as	ADP
fsr-4050	154	15	resources	resource	NOUN
fsr-4050	154	16	,	,	PUNCT
fsr-4050	154	17	opportunities	opportunity	NOUN
fsr-4050	154	18	,	,	PUNCT
fsr-4050	154	19	and	and	CCONJ
fsr-4050	154	20	support	support	NOUN
fsr-4050	154	21	(	(	PUNCT
fsr-4050	154	22	ajzen	ajzen	ADJ
fsr-4050	154	23	,	,	PUNCT
fsr-4050	154	24	1991	1991	NUM
fsr-4050	154	25	)	)	PUNCT
fsr-4050	154	26	.	.	PUNCT
fsr-4050	155	1	fintech	fintech	NOUN
fsr-4050	155	2	,	,	PUNCT
fsr-4050	155	3	serving	serve	VERB
fsr-4050	155	4	as	as	ADP
fsr-4050	155	5	a	a	DET
fsr-4050	155	6	tool	tool	NOUN
fsr-4050	155	7	,	,	PUNCT
fsr-4050	155	8	provides	provide	VERB
fsr-4050	155	9	opportunities	opportunity	NOUN
fsr-4050	155	10	and	and	CCONJ
fsr-4050	155	11	technology	technology	NOUN
fsr-4050	155	12	support	support	NOUN
fsr-4050	155	13	to	to	PART
fsr-4050	155	14	motivate	motivate	VERB
fsr-4050	155	15	households	household	NOUN
fsr-4050	155	16	to	to	PART
fsr-4050	155	17	save	save	VERB
fsr-4050	155	18	.	.	PUNCT
fsr-4050	156	1	for	for	ADP
fsr-4050	156	2	example	example	NOUN
fsr-4050	156	3	,	,	PUNCT
fsr-4050	156	4	financial	financial	ADJ
fsr-4050	156	5	institutions	institution	NOUN
fsr-4050	156	6	encourage	encourage	VERB
fsr-4050	156	7	clients	client	NOUN
fsr-4050	156	8	to	to	PART
fsr-4050	156	9	activate	activate	VERB
fsr-4050	156	10	online	online	ADJ
fsr-4050	156	11	banking	banking	NOUN
fsr-4050	156	12	services	service	NOUN
fsr-4050	156	13	,	,	PUNCT
fsr-4050	156	14	which	which	PRON
fsr-4050	156	15	usually	usually	ADV
fsr-4050	156	16	make	make	VERB
fsr-4050	156	17	money	money	NOUN
fsr-4050	156	18	management	management	NOUN
fsr-4050	156	19	tools	tool	NOUN
fsr-4050	156	20	available	available	ADJ
fsr-4050	156	21	(	(	PUNCT
fsr-4050	156	22	becker	becker	NOUN
fsr-4050	156	23	,	,	PUNCT
fsr-4050	156	24	2017	2017	NUM
fsr-4050	156	25	;	;	PUNCT
fsr-4050	156	26	löwgren	löwgren	NOUN
fsr-4050	156	27	,	,	PUNCT
fsr-4050	156	28	2023	2023	NUM
fsr-4050	156	29	)	)	PUNCT
fsr-4050	156	30	.	.	PUNCT
fsr-4050	157	1	given	give	VERB
fsr-4050	157	2	that	that	PRON
fsr-4050	157	3	perceived	perceive	VERB
fsr-4050	157	4	behavioral	behavioral	ADJ
fsr-4050	157	5	control	control	NOUN
fsr-4050	157	6	is	be	AUX
fsr-4050	157	7	determined	determine	VERB
fsr-4050	157	8	by	by	ADP
fsr-4050	157	9	internal	internal	ADJ
fsr-4050	157	10	factors	factor	NOUN
fsr-4050	157	11	(	(	PUNCT
fsr-4050	157	12	i.e.	i.e.	X
fsr-4050	157	13	,	,	PUNCT
fsr-4050	157	14	confidence	confidence	NOUN
fsr-4050	157	15	,	,	PUNCT
fsr-4050	157	16	self	self	NOUN
fsr-4050	157	17	-	-	PUNCT
fsr-4050	157	18	efficacy	efficacy	NOUN
fsr-4050	157	19	)	)	PUNCT
fsr-4050	157	20	and	and	CCONJ
fsr-4050	157	21	external	external	ADJ
fsr-4050	157	22	factors	factor	NOUN
fsr-4050	157	23	(	(	PUNCT
fsr-4050	157	24	i.e.	i.e.	X
fsr-4050	157	25	,	,	PUNCT
fsr-4050	157	26	technology	technology	NOUN
fsr-4050	157	27	support	support	NOUN
fsr-4050	157	28	)	)	PUNCT
fsr-4050	157	29	,	,	PUNCT
fsr-4050	157	30	we	we	PRON
fsr-4050	157	31	argue	argue	VERB
fsr-4050	157	32	that	that	SCONJ
fsr-4050	157	33	financial	financial	ADJ
fsr-4050	157	34	services	service	NOUN
fsr-4050	157	35	review	review	NOUN
fsr-4050	157	36	,	,	PUNCT
fsr-4050	157	37	33(3	33(3	NOUN
fsr-4050	157	38	)	)	PUNCT
fsr-4050	157	39	26	26	NUM
fsr-4050	157	40	perceived	perceive	VERB
fsr-4050	157	41	behavioral	behavioral	ADJ
fsr-4050	157	42	control	control	NOUN
fsr-4050	157	43	will	will	AUX
fsr-4050	157	44	affect	affect	VERB
fsr-4050	157	45	intention	intention	NOUN
fsr-4050	157	46	to	to	PART
fsr-4050	157	47	use	use	VERB
fsr-4050	157	48	fintech	fintech	NOUN
fsr-4050	157	49	to	to	PART
fsr-4050	157	50	save	save	VERB
fsr-4050	157	51	and	and	CCONJ
fsr-4050	157	52	hypothesized	hypothesize	VERB
fsr-4050	157	53	as	as	SCONJ
fsr-4050	157	54	follows	follow	VERB
fsr-4050	157	55	:	:	PUNCT
fsr-4050	157	56	h3	h3	NOUN
fsr-4050	157	57	:	:	PUNCT
fsr-4050	157	58	perceived	perceive	VERB
fsr-4050	157	59	behavioral	behavioral	ADJ
fsr-4050	157	60	control	control	NOUN
fsr-4050	157	61	is	be	AUX
fsr-4050	157	62	positively	positively	ADV
fsr-4050	157	63	associated	associate	VERB
fsr-4050	157	64	with	with	ADP
fsr-4050	157	65	the	the	DET
fsr-4050	157	66	intention	intention	NOUN
fsr-4050	157	67	to	to	PART
fsr-4050	157	68	use	use	VERB
fsr-4050	157	69	fintech	fintech	NOUN
fsr-4050	157	70	to	to	PART
fsr-4050	157	71	save	save	VERB
fsr-4050	157	72	.	.	PUNCT
fsr-4050	158	1	the	the	DET
fsr-4050	158	2	uniqueness	uniqueness	NOUN
fsr-4050	158	3	of	of	ADP
fsr-4050	158	4	the	the	DET
fsr-4050	158	5	tpb	tpb	NOUN
fsr-4050	158	6	is	be	AUX
fsr-4050	158	7	that	that	SCONJ
fsr-4050	158	8	perceived	perceive	VERB
fsr-4050	158	9	behavioral	behavioral	ADJ
fsr-4050	158	10	control	control	NOUN
fsr-4050	158	11	directly	directly	ADV
fsr-4050	158	12	impacts	impact	VERB
fsr-4050	158	13	the	the	DET
fsr-4050	158	14	action	action	NOUN
fsr-4050	158	15	.	.	PUNCT
fsr-4050	159	1	perceived	perceive	VERB
fsr-4050	159	2	behavioral	behavioral	ADJ
fsr-4050	159	3	control	control	NOUN
fsr-4050	159	4	serves	serve	VERB
fsr-4050	159	5	as	as	ADP
fsr-4050	159	6	a	a	DET
fsr-4050	159	7	proxy	proxy	NOUN
fsr-4050	159	8	of	of	ADP
fsr-4050	159	9	actual	actual	ADJ
fsr-4050	159	10	behavioral	behavioral	ADJ
fsr-4050	159	11	control	control	NOUN
fsr-4050	159	12	and	and	CCONJ
fsr-4050	159	13	,	,	PUNCT
fsr-4050	159	14	thus	thus	ADV
fsr-4050	159	15	,	,	PUNCT
fsr-4050	159	16	reflects	reflect	VERB
fsr-4050	159	17	an	an	DET
fsr-4050	159	18	actual	actual	ADJ
fsr-4050	159	19	behavioral	behavioral	ADJ
fsr-4050	159	20	control	control	NOUN
fsr-4050	159	21	measurement	measurement	NOUN
fsr-4050	159	22	.	.	PUNCT
fsr-4050	160	1	asebedo	asebedo	PROPN
fsr-4050	160	2	and	and	CCONJ
fsr-4050	160	3	seay	seay	PROPN
fsr-4050	160	4	(	(	PUNCT
fsr-4050	160	5	2018	2018	NUM
fsr-4050	160	6	)	)	PUNCT
fsr-4050	160	7	found	find	VERB
fsr-4050	160	8	that	that	SCONJ
fsr-4050	160	9	an	an	DET
fsr-4050	160	10	individual	individual	NOUN
fsr-4050	160	11	's	's	PART
fsr-4050	160	12	selfperception	selfperception	NOUN
fsr-4050	160	13	of	of	ADP
fsr-4050	160	14	control	control	NOUN
fsr-4050	160	15	of	of	ADP
fsr-4050	160	16	financial	financial	ADJ
fsr-4050	160	17	situations	situation	NOUN
fsr-4050	160	18	was	be	AUX
fsr-4050	160	19	positively	positively	ADV
fsr-4050	160	20	associated	associate	VERB
fsr-4050	160	21	with	with	ADP
fsr-4050	160	22	savings	saving	NOUN
fsr-4050	160	23	behavior	behavior	NOUN
fsr-4050	160	24	among	among	ADP
fsr-4050	160	25	u.s	u.s	PROPN
fsr-4050	160	26	.	.	PROPN
fsr-4050	160	27	pre	pre	NOUN
fsr-4050	160	28	-	-	NOUN
fsr-4050	160	29	retirees	retiree	NOUN
fsr-4050	160	30	.	.	PUNCT
fsr-4050	161	1	accordingly	accordingly	ADV
fsr-4050	161	2	,	,	PUNCT
fsr-4050	161	3	perceived	perceive	VERB
fsr-4050	161	4	behavioral	behavioral	ADJ
fsr-4050	161	5	control	control	NOUN
fsr-4050	161	6	over	over	ADP
fsr-4050	161	7	emergency	emergency	NOUN
fsr-4050	161	8	fund	fund	NOUN
fsr-4050	161	9	savings	saving	NOUN
fsr-4050	161	10	could	could	AUX
fsr-4050	161	11	directly	directly	ADV
fsr-4050	161	12	affect	affect	VERB
fsr-4050	161	13	adequate	adequate	ADJ
fsr-4050	161	14	emergency	emergency	NOUN
fsr-4050	161	15	fund	fund	NOUN
fsr-4050	161	16	savings	saving	NOUN
fsr-4050	161	17	.	.	PUNCT
fsr-4050	162	1	thus	thus	ADV
fsr-4050	162	2	,	,	PUNCT
fsr-4050	162	3	we	we	PRON
fsr-4050	162	4	hypothesized	hypothesize	VERB
fsr-4050	162	5	as	as	SCONJ
fsr-4050	162	6	follows	follow	VERB
fsr-4050	162	7	:	:	PUNCT
fsr-4050	162	8	h4	h4	NOUN
fsr-4050	162	9	:	:	PUNCT
fsr-4050	162	10	perceived	perceive	VERB
fsr-4050	162	11	behavioral	behavioral	ADJ
fsr-4050	162	12	control	control	NOUN
fsr-4050	162	13	over	over	ADP
fsr-4050	162	14	emergency	emergency	NOUN
fsr-4050	162	15	fund	fund	NOUN
fsr-4050	162	16	savings	saving	NOUN
fsr-4050	162	17	is	be	AUX
fsr-4050	162	18	positively	positively	ADV
fsr-4050	162	19	associated	associate	VERB
fsr-4050	162	20	with	with	ADP
fsr-4050	162	21	adequate	adequate	ADJ
fsr-4050	162	22	emergency	emergency	NOUN
fsr-4050	162	23	fund	fund	NOUN
fsr-4050	162	24	savings	saving	NOUN
fsr-4050	162	25	.	.	PUNCT
fsr-4050	163	1	the	the	DET
fsr-4050	163	2	intention	intention	NOUN
fsr-4050	163	3	-	-	PUNCT
fsr-4050	163	4	behavior	behavior	NOUN
fsr-4050	163	5	relation	relation	NOUN
fsr-4050	163	6	delineated	delineate	VERB
fsr-4050	163	7	in	in	ADP
fsr-4050	163	8	tam	tam	PROPN
fsr-4050	163	9	(	(	PUNCT
fsr-4050	163	10	davis	davis	PROPN
fsr-4050	163	11	,	,	PUNCT
fsr-4050	163	12	1989	1989	NUM
fsr-4050	163	13	;	;	PUNCT
fsr-4050	163	14	davis	davis	PROPN
fsr-4050	163	15	et	et	PROPN
fsr-4050	163	16	al	al	PROPN
fsr-4050	163	17	.	.	PROPN
fsr-4050	163	18	,	,	PUNCT
fsr-4050	163	19	1989	1989	NUM
fsr-4050	163	20	)	)	PUNCT
fsr-4050	163	21	suggested	suggest	VERB
fsr-4050	163	22	that	that	SCONJ
fsr-4050	163	23	an	an	DET
fsr-4050	163	24	individual	individual	NOUN
fsr-4050	163	25	's	's	PART
fsr-4050	163	26	intention	intention	NOUN
fsr-4050	163	27	to	to	PART
fsr-4050	163	28	use	use	VERB
fsr-4050	163	29	fintech	fintech	NOUN
fsr-4050	163	30	should	should	AUX
fsr-4050	163	31	influence	influence	VERB
fsr-4050	163	32	their	their	PRON
fsr-4050	163	33	actual	actual	ADJ
fsr-4050	163	34	fintech	fintech	NOUN
fsr-4050	163	35	usage	usage	NOUN
fsr-4050	163	36	.	.	PUNCT
fsr-4050	164	1	various	various	ADJ
fsr-4050	164	2	fintech	fintech	NOUN
fsr-4050	164	3	products	product	NOUN
fsr-4050	164	4	and	and	CCONJ
fsr-4050	164	5	services	service	NOUN
fsr-4050	164	6	,	,	PUNCT
fsr-4050	164	7	such	such	ADJ
fsr-4050	164	8	as	as	ADP
fsr-4050	164	9	apps	app	NOUN
fsr-4050	164	10	and	and	CCONJ
fsr-4050	164	11	websites	website	NOUN
fsr-4050	164	12	,	,	PUNCT
fsr-4050	164	13	have	have	AUX
fsr-4050	164	14	been	be	AUX
fsr-4050	164	15	developed	develop	VERB
fsr-4050	164	16	and	and	CCONJ
fsr-4050	164	17	used	use	VERB
fsr-4050	164	18	in	in	ADP
fsr-4050	164	19	financial	financial	ADJ
fsr-4050	164	20	planning	planning	NOUN
fsr-4050	164	21	to	to	PART
fsr-4050	164	22	meet	meet	VERB
fsr-4050	164	23	households	household	NOUN
fsr-4050	164	24	'	'	PART
fsr-4050	164	25	needs	need	NOUN
fsr-4050	164	26	.	.	PUNCT
fsr-4050	165	1	the	the	DET
fsr-4050	165	2	effects	effect	NOUN
fsr-4050	165	3	on	on	ADP
fsr-4050	165	4	financial	financial	ADJ
fsr-4050	165	5	outcomes	outcome	NOUN
fsr-4050	165	6	depend	depend	VERB
fsr-4050	165	7	on	on	ADP
fsr-4050	165	8	the	the	DET
fsr-4050	165	9	fintech	fintech	NOUN
fsr-4050	165	10	form(s	form(s	NOUN
fsr-4050	165	11	)	)	PUNCT
fsr-4050	165	12	used	use	VERB
fsr-4050	165	13	(	(	PUNCT
fsr-4050	165	14	abis	abis	PROPN
fsr-4050	165	15	et	et	PROPN
fsr-4050	165	16	al	al	PROPN
fsr-4050	165	17	.	.	PROPN
fsr-4050	165	18	,	,	PUNCT
fsr-4050	165	19	2025	2025	NUM
fsr-4050	165	20	)	)	PUNCT
fsr-4050	165	21	.	.	PUNCT
fsr-4050	166	1	for	for	ADP
fsr-4050	166	2	example	example	NOUN
fsr-4050	166	3	,	,	PUNCT
fsr-4050	166	4	lee	lee	PROPN
fsr-4050	166	5	(	(	PUNCT
fsr-4050	166	6	2019	2019	NUM
fsr-4050	166	7	)	)	PUNCT
fsr-4050	166	8	found	find	VERB
fsr-4050	166	9	that	that	SCONJ
fsr-4050	166	10	a	a	DET
fsr-4050	166	11	push	push	NOUN
fsr-4050	166	12	notification	notification	NOUN
fsr-4050	166	13	about	about	ADP
fsr-4050	166	14	outstanding	outstanding	ADJ
fsr-4050	166	15	balances	balance	NOUN
fsr-4050	166	16	from	from	ADP
fsr-4050	166	17	the	the	DET
fsr-4050	166	18	mobile	mobile	ADJ
fsr-4050	166	19	app	app	NOUN
fsr-4050	166	20	reduced	reduce	VERB
fsr-4050	166	21	credit	credit	NOUN
fsr-4050	166	22	cardholders	cardholder	NOUN
fsr-4050	166	23	'	'	PART
fsr-4050	166	24	consumption	consumption	NOUN
fsr-4050	166	25	.	.	PUNCT
fsr-4050	167	1	households	household	NOUN
fsr-4050	167	2	tended	tend	VERB
fsr-4050	167	3	to	to	PART
fsr-4050	167	4	use	use	VERB
fsr-4050	167	5	fintech	fintech	NOUN
fsr-4050	167	6	if	if	SCONJ
fsr-4050	167	7	they	they	PRON
fsr-4050	167	8	believed	believe	VERB
fsr-4050	167	9	the	the	DET
fsr-4050	167	10	benefits	benefit	NOUN
fsr-4050	167	11	of	of	ADP
fsr-4050	167	12	using	use	VERB
fsr-4050	167	13	fintech	fintech	NOUN
fsr-4050	167	14	were	be	AUX
fsr-4050	167	15	greater	great	ADJ
fsr-4050	167	16	than	than	ADP
fsr-4050	167	17	its	its	PRON
fsr-4050	167	18	costs	cost	NOUN
fsr-4050	167	19	(	(	PUNCT
fsr-4050	167	20	al	al	PROPN
fsr-4050	167	21	nawayseh	nawayseh	PROPN
fsr-4050	167	22	,	,	PUNCT
fsr-4050	167	23	2020	2020	NUM
fsr-4050	167	24	)	)	PUNCT
fsr-4050	167	25	.	.	PUNCT
fsr-4050	168	1	most	most	ADJ
fsr-4050	168	2	young	young	ADJ
fsr-4050	168	3	consumers	consumer	NOUN
fsr-4050	168	4	intended	intend	VERB
fsr-4050	168	5	to	to	PART
fsr-4050	168	6	use	use	VERB
fsr-4050	168	7	mobile	mobile	ADJ
fsr-4050	168	8	bank	bank	NOUN
fsr-4050	168	9	apps	app	NOUN
fsr-4050	168	10	and	and	CCONJ
fsr-4050	168	11	online	online	ADJ
fsr-4050	168	12	banking	banking	NOUN
fsr-4050	168	13	services	service	NOUN
fsr-4050	168	14	to	to	PART
fsr-4050	168	15	enhance	enhance	VERB
fsr-4050	168	16	their	their	PRON
fsr-4050	168	17	savings	saving	NOUN
fsr-4050	168	18	behavior	behavior	NOUN
fsr-4050	168	19	and	and	CCONJ
fsr-4050	168	20	thus	thus	ADV
fsr-4050	168	21	used	use	VERB
fsr-4050	168	22	fintech	fintech	NOUN
fsr-4050	168	23	to	to	PART
fsr-4050	168	24	save	save	VERB
fsr-4050	168	25	(	(	PUNCT
fsr-4050	168	26	daqar	daqar	PROPN
fsr-4050	168	27	et	et	PROPN
fsr-4050	168	28	al	al	PROPN
fsr-4050	168	29	.	.	PROPN
fsr-4050	168	30	,	,	PUNCT
fsr-4050	168	31	2020	2020	NUM
fsr-4050	168	32	)	)	PUNCT
fsr-4050	168	33	.	.	PUNCT
fsr-4050	169	1	accordingly	accordingly	ADV
fsr-4050	169	2	,	,	PUNCT
fsr-4050	169	3	we	we	PRON
fsr-4050	169	4	expect	expect	VERB
fsr-4050	169	5	that	that	SCONJ
fsr-4050	169	6	if	if	SCONJ
fsr-4050	169	7	an	an	DET
fsr-4050	169	8	individual	individual	NOUN
fsr-4050	169	9	has	have	VERB
fsr-4050	169	10	a	a	DET
fsr-4050	169	11	strong	strong	ADJ
fsr-4050	169	12	intention	intention	NOUN
fsr-4050	169	13	to	to	PART
fsr-4050	169	14	use	use	VERB
fsr-4050	169	15	fintech	fintech	NOUN
fsr-4050	169	16	to	to	PART
fsr-4050	169	17	save	save	VERB
fsr-4050	169	18	,	,	PUNCT
fsr-4050	169	19	they	they	PRON
fsr-4050	169	20	are	be	AUX
fsr-4050	169	21	more	more	ADV
fsr-4050	169	22	likely	likely	ADJ
fsr-4050	169	23	to	to	PART
fsr-4050	169	24	actually	actually	ADV
fsr-4050	169	25	use	use	VERB
fsr-4050	169	26	fintech	fintech	NOUN
fsr-4050	169	27	(	(	PUNCT
fsr-4050	169	28	i.e.	i.e.	X
fsr-4050	169	29	,	,	PUNCT
fsr-4050	169	30	saving	save	VERB
fsr-4050	169	31	apps	app	NOUN
fsr-4050	169	32	or	or	CCONJ
fsr-4050	169	33	saving	save	VERB
fsr-4050	169	34	websites	website	NOUN
fsr-4050	169	35	)	)	PUNCT
fsr-4050	169	36	to	to	PART
fsr-4050	169	37	manage	manage	VERB
fsr-4050	169	38	their	their	PRON
fsr-4050	169	39	savings	saving	NOUN
fsr-4050	169	40	.	.	PUNCT
fsr-4050	170	1	thus	thus	ADV
fsr-4050	170	2	,	,	PUNCT
fsr-4050	170	3	we	we	PRON
fsr-4050	170	4	hypothesized	hypothesize	VERB
fsr-4050	170	5	as	as	SCONJ
fsr-4050	170	6	follows	follow	VERB
fsr-4050	170	7	:	:	PUNCT
fsr-4050	170	8	h5	h5	NOUN
fsr-4050	170	9	:	:	PUNCT
fsr-4050	170	10	intention	intention	NOUN
fsr-4050	170	11	to	to	PART
fsr-4050	170	12	use	use	VERB
fsr-4050	170	13	fintech	fintech	NOUN
fsr-4050	170	14	to	to	PART
fsr-4050	170	15	save	save	VERB
fsr-4050	170	16	is	be	AUX
fsr-4050	170	17	positively	positively	ADV
fsr-4050	170	18	associated	associate	VERB
fsr-4050	170	19	with	with	ADP
fsr-4050	170	20	saving	save	VERB
fsr-4050	170	21	apps	app	NOUN
fsr-4050	170	22	use	use	NOUN
fsr-4050	170	23	.	.	PUNCT
fsr-4050	171	1	h6	h6	NOUN
fsr-4050	171	2	:	:	PUNCT
fsr-4050	171	3	intention	intention	NOUN
fsr-4050	171	4	to	to	PART
fsr-4050	171	5	use	use	VERB
fsr-4050	171	6	fintech	fintech	NOUN
fsr-4050	171	7	to	to	PART
fsr-4050	171	8	save	save	VERB
fsr-4050	171	9	is	be	AUX
fsr-4050	171	10	positively	positively	ADV
fsr-4050	171	11	associated	associate	VERB
fsr-4050	171	12	with	with	ADP
fsr-4050	171	13	saving	save	VERB
fsr-4050	171	14	websites	website	NOUN
fsr-4050	171	15	use	use	VERB
fsr-4050	171	16	.	.	PUNCT
fsr-4050	172	1	previous	previous	ADJ
fsr-4050	172	2	research	research	NOUN
fsr-4050	172	3	about	about	ADP
fsr-4050	172	4	the	the	DET
fsr-4050	172	5	impact	impact	NOUN
fsr-4050	172	6	of	of	ADP
fsr-4050	172	7	fintech	fintech	NOUN
fsr-4050	172	8	use	use	NOUN
fsr-4050	172	9	has	have	AUX
fsr-4050	172	10	been	be	AUX
fsr-4050	172	11	mainly	mainly	ADV
fsr-4050	172	12	focused	focus	VERB
fsr-4050	172	13	on	on	ADP
fsr-4050	172	14	households	household	NOUN
fsr-4050	172	15	’	'	PUNCT
fsr-4050	172	16	spending	spending	NOUN
fsr-4050	172	17	and	and	CCONJ
fsr-4050	172	18	investment	investment	NOUN
fsr-4050	172	19	(	(	PUNCT
fsr-4050	172	20	lee	lee	PROPN
fsr-4050	172	21	,	,	PUNCT
fsr-4050	172	22	2019	2019	NUM
fsr-4050	172	23	;	;	PUNCT
fsr-4050	172	24	ouma	ouma	PROPN
fsr-4050	172	25	et	et	PROPN
fsr-4050	172	26	al	al	PROPN
fsr-4050	172	27	.	.	PROPN
fsr-4050	172	28	,	,	PUNCT
fsr-4050	172	29	2017	2017	NUM
fsr-4050	172	30	;	;	PUNCT
fsr-4050	172	31	sharif	sharif	PROPN
fsr-4050	172	32	&	&	CCONJ
fsr-4050	172	33	naghavi	naghavi	PROPN
fsr-4050	172	34	,	,	PUNCT
fsr-4050	172	35	2021	2021	NUM
fsr-4050	172	36	;	;	PUNCT
fsr-4050	172	37	thakor	thakor	NOUN
fsr-4050	172	38	,	,	PUNCT
fsr-4050	172	39	2020	2020	NUM
fsr-4050	172	40	)	)	PUNCT
fsr-4050	172	41	.	.	PUNCT
fsr-4050	173	1	however	however	ADV
fsr-4050	173	2	,	,	PUNCT
fsr-4050	173	3	nourallah	nourallah	PROPN
fsr-4050	173	4	et	et	PROPN
fsr-4050	173	5	al	al	PROPN
fsr-4050	173	6	.	.	PROPN
fsr-4050	174	1	(	(	PUNCT
fsr-4050	174	2	2024	2024	NUM
fsr-4050	174	3	)	)	PUNCT
fsr-4050	174	4	implied	imply	VERB
fsr-4050	174	5	that	that	SCONJ
fsr-4050	174	6	fintech	fintech	NOUN
fsr-4050	174	7	use	use	NOUN
fsr-4050	174	8	affected	affect	VERB
fsr-4050	174	9	households	household	NOUN
fsr-4050	174	10	’	'	PUNCT
fsr-4050	174	11	financial	financial	ADJ
fsr-4050	174	12	capability	capability	NOUN
fsr-4050	174	13	(	(	PUNCT
fsr-4050	174	14	i.e.	i.e.	X
fsr-4050	174	15	,	,	PUNCT
fsr-4050	174	16	savings	saving	NOUN
fsr-4050	174	17	behaviors	behavior	NOUN
fsr-4050	174	18	)	)	PUNCT
fsr-4050	174	19	.	.	PUNCT
fsr-4050	175	1	for	for	ADP
fsr-4050	175	2	example	example	NOUN
fsr-4050	175	3	,	,	PUNCT
fsr-4050	175	4	becker	becker	PROPN
fsr-4050	175	5	(	(	PUNCT
fsr-4050	175	6	2017	2017	NUM
fsr-4050	175	7	)	)	PUNCT
fsr-4050	175	8	found	find	VERB
fsr-4050	175	9	that	that	SCONJ
fsr-4050	175	10	first	first	ADJ
fsr-4050	175	11	-	-	PUNCT
fsr-4050	175	12	time	time	NOUN
fsr-4050	175	13	savers	saver	NOUN
fsr-4050	175	14	significantly	significantly	ADV
fsr-4050	175	15	increase	increase	VERB
fsr-4050	175	16	their	their	PRON
fsr-4050	175	17	savings	saving	NOUN
fsr-4050	175	18	after	after	ADP
fsr-4050	175	19	activating	activate	VERB
fsr-4050	175	20	and	and	CCONJ
fsr-4050	175	21	using	use	VERB
fsr-4050	175	22	fintech	fintech	NOUN
fsr-4050	175	23	.	.	PUNCT
fsr-4050	176	1	demirgüç	demirgüç	PROPN
fsr-4050	176	2	-	-	PUNCT
fsr-4050	176	3	kunt	kunt	PROPN
fsr-4050	176	4	et	et	PROPN
fsr-4050	176	5	al	al	PROPN
fsr-4050	176	6	.	.	PROPN
fsr-4050	177	1	(	(	PUNCT
fsr-4050	177	2	2018	2018	NUM
fsr-4050	177	3	)	)	PUNCT
fsr-4050	177	4	suggested	suggest	VERB
fsr-4050	177	5	that	that	SCONJ
fsr-4050	177	6	fintech	fintech	NOUN
fsr-4050	177	7	promotion	promotion	NOUN
fsr-4050	177	8	might	might	AUX
fsr-4050	177	9	help	help	VERB
fsr-4050	177	10	households	household	NOUN
fsr-4050	177	11	increase	increase	VERB
fsr-4050	177	12	the	the	DET
fsr-4050	177	13	probability	probability	NOUN
fsr-4050	177	14	of	of	ADP
fsr-4050	177	15	regular	regular	ADJ
fsr-4050	177	16	savings	saving	NOUN
fsr-4050	177	17	if	if	SCONJ
fsr-4050	177	18	they	they	PRON
fsr-4050	177	19	have	have	VERB
fsr-4050	177	20	a	a	DET
fsr-4050	177	21	mobile	mobile	ADJ
fsr-4050	177	22	bank	bank	NOUN
fsr-4050	177	23	account	account	NOUN
fsr-4050	177	24	with	with	ADP
fsr-4050	177	25	low	low	ADJ
fsr-4050	177	26	costs	cost	NOUN
fsr-4050	177	27	.	.	PUNCT
fsr-4050	178	1	becker	becker	NOUN
fsr-4050	178	2	(	(	PUNCT
fsr-4050	178	3	2017	2017	NUM
fsr-4050	178	4	)	)	PUNCT
fsr-4050	178	5	highlighted	highlight	VERB
fsr-4050	178	6	that	that	DET
fsr-4050	178	7	fintech	fintech	NOUN
fsr-4050	178	8	,	,	PUNCT
fsr-4050	178	9	such	such	ADJ
fsr-4050	178	10	as	as	ADP
fsr-4050	178	11	savings	saving	NOUN
fsr-4050	178	12	apps	app	NOUN
fsr-4050	178	13	and	and	CCONJ
fsr-4050	178	14	websites	website	NOUN
fsr-4050	178	15	(	(	PUNCT
fsr-4050	178	16	guittierrez	guittierrez	PROPN
fsr-4050	178	17	ramirez	ramirez	PROPN
fsr-4050	178	18	,	,	PUNCT
fsr-4050	178	19	2023	2023	NUM
fsr-4050	178	20	)	)	PUNCT
fsr-4050	178	21	,	,	PUNCT
fsr-4050	178	22	could	could	AUX
fsr-4050	178	23	serve	serve	VERB
fsr-4050	178	24	as	as	ADP
fsr-4050	178	25	money	money	NOUN
fsr-4050	178	26	management	management	NOUN
fsr-4050	178	27	tools	tool	NOUN
fsr-4050	178	28	to	to	PART
fsr-4050	178	29	save	save	VERB
fsr-4050	178	30	and	and	CCONJ
fsr-4050	178	31	manage	manage	VERB
fsr-4050	178	32	money	money	NOUN
fsr-4050	178	33	.	.	PUNCT
fsr-4050	179	1	löwgren	löwgren	PROPN
fsr-4050	179	2	(	(	PUNCT
fsr-4050	179	3	2023	2023	NUM
fsr-4050	179	4	)	)	PUNCT
fsr-4050	179	5	and	and	CCONJ
fsr-4050	179	6	ouma	ouma	PROPN
fsr-4050	179	7	et	et	PROPN
fsr-4050	179	8	al	al	PROPN
fsr-4050	179	9	.	.	PROPN
fsr-4050	180	1	(	(	PUNCT
fsr-4050	180	2	2017	2017	NUM
fsr-4050	180	3	)	)	PUNCT
fsr-4050	180	4	found	find	VERB
fsr-4050	180	5	that	that	SCONJ
fsr-4050	180	6	saving	save	VERB
fsr-4050	180	7	apps	app	NOUN
fsr-4050	180	8	triggered	trigger	VERB
fsr-4050	180	9	households	household	NOUN
fsr-4050	180	10	’	'	PUNCT
fsr-4050	180	11	savings	saving	NOUN
fsr-4050	180	12	behaviors	behavior	NOUN
fsr-4050	180	13	,	,	PUNCT
fsr-4050	180	14	encouraged	encourage	VERB
fsr-4050	180	15	their	their	PRON
fsr-4050	180	16	savings	saving	NOUN
fsr-4050	180	17	engagements	engagement	NOUN
fsr-4050	180	18	,	,	PUNCT
fsr-4050	180	19	and	and	CCONJ
fsr-4050	180	20	increased	increase	VERB
fsr-4050	180	21	the	the	DET
fsr-4050	180	22	dollar	dollar	NOUN
fsr-4050	180	23	amount	amount	NOUN
fsr-4050	180	24	saved	save	VERB
fsr-4050	180	25	.	.	PUNCT
fsr-4050	181	1	using	use	VERB
fsr-4050	181	2	the	the	DET
fsr-4050	181	3	2018	2018	NUM
fsr-4050	181	4	nfcs	nfcs	PROPN
fsr-4050	181	5	data	datum	NOUN
fsr-4050	181	6	,	,	PUNCT
fsr-4050	181	7	chen	chen	PROPN
fsr-4050	181	8	et	et	PROPN
fsr-4050	181	9	al	al	PROPN
fsr-4050	181	10	.	.	PROPN
fsr-4050	182	1	(	(	PUNCT
fsr-4050	182	2	2024	2024	NUM
fsr-4050	182	3	)	)	PUNCT
fsr-4050	182	4	found	find	VERB
fsr-4050	182	5	that	that	SCONJ
fsr-4050	182	6	fintech	fintech	NOUN
fsr-4050	182	7	use	use	NOUN
fsr-4050	182	8	positively	positively	ADV
fsr-4050	182	9	affected	affect	VERB
fsr-4050	182	10	households	household	NOUN
fsr-4050	182	11	'	'	PART
fsr-4050	182	12	adequate	adequate	ADJ
fsr-4050	182	13	emergency	emergency	NOUN
fsr-4050	182	14	fund	fund	NOUN
fsr-4050	182	15	savings	saving	NOUN
fsr-4050	182	16	.	.	PUNCT
fsr-4050	183	1	based	base	VERB
fsr-4050	183	2	on	on	ADP
fsr-4050	183	3	the	the	DET
fsr-4050	183	4	above	above	ADJ
fsr-4050	183	5	literature	literature	NOUN
fsr-4050	183	6	,	,	PUNCT
fsr-4050	183	7	actual	actual	ADJ
fsr-4050	183	8	fintech	fintech	NOUN
fsr-4050	183	9	use	use	NOUN
fsr-4050	183	10	can	can	AUX
fsr-4050	183	11	enhance	enhance	VERB
fsr-4050	183	12	households	household	NOUN
fsr-4050	183	13	'	'	PART
fsr-4050	183	14	financial	financial	ADJ
fsr-4050	183	15	capability	capability	NOUN
fsr-4050	183	16	to	to	PART
fsr-4050	183	17	manage	manage	VERB
fsr-4050	183	18	their	their	PRON
fsr-4050	183	19	savings	saving	NOUN
fsr-4050	183	20	accounts	account	NOUN
fsr-4050	183	21	and	and	CCONJ
fsr-4050	183	22	thus	thus	ADV
fsr-4050	183	23	increase	increase	VERB
fsr-4050	183	24	their	their	PRON
fsr-4050	183	25	adequate	adequate	ADJ
fsr-4050	183	26	emergency	emergency	NOUN
fsr-4050	183	27	fund	fund	NOUN
fsr-4050	183	28	savings	saving	NOUN
fsr-4050	183	29	.	.	PUNCT
fsr-4050	184	1	therefore	therefore	ADV
fsr-4050	184	2	,	,	PUNCT
fsr-4050	184	3	we	we	PRON
fsr-4050	184	4	hypothesized	hypothesize	VERB
fsr-4050	184	5	as	as	SCONJ
fsr-4050	184	6	follows	follow	VERB
fsr-4050	184	7	:	:	PUNCT
fsr-4050	184	8	h7	h7	NOUN
fsr-4050	184	9	:	:	PUNCT
fsr-4050	184	10	saving	save	VERB
fsr-4050	184	11	app	app	NOUN
fsr-4050	184	12	use	use	NOUN
fsr-4050	184	13	is	be	AUX
fsr-4050	184	14	positively	positively	ADV
fsr-4050	184	15	associated	associate	VERB
fsr-4050	184	16	with	with	ADP
fsr-4050	184	17	adequate	adequate	ADJ
fsr-4050	184	18	emergency	emergency	NOUN
fsr-4050	184	19	fund	fund	NOUN
fsr-4050	184	20	savings	saving	NOUN
fsr-4050	184	21	.	.	PUNCT
fsr-4050	185	1	h8	h8	PROPN
fsr-4050	185	2	:	:	PUNCT
fsr-4050	185	3	saving	save	VERB
fsr-4050	185	4	website	website	NOUN
fsr-4050	185	5	use	use	NOUN
fsr-4050	185	6	is	be	AUX
fsr-4050	185	7	positively	positively	ADV
fsr-4050	185	8	associated	associate	VERB
fsr-4050	185	9	with	with	ADP
fsr-4050	185	10	adequate	adequate	ADJ
fsr-4050	185	11	emergency	emergency	NOUN
fsr-4050	185	12	fund	fund	NOUN
fsr-4050	185	13	savings	saving	NOUN
fsr-4050	185	14	.	.	PUNCT
fsr-4050	186	1	given	give	VERB
fsr-4050	186	2	the	the	DET
fsr-4050	186	3	above	above	ADJ
fsr-4050	186	4	hypotheses	hypothesis	NOUN
fsr-4050	186	5	,	,	PUNCT
fsr-4050	186	6	figure	figure	NOUN
fsr-4050	186	7	1	1	NUM
fsr-4050	186	8	was	be	AUX
fsr-4050	186	9	developed	develop	VERB
fsr-4050	186	10	to	to	PART
fsr-4050	186	11	illustrate	illustrate	VERB
fsr-4050	186	12	the	the	DET
fsr-4050	186	13	research	research	NOUN
fsr-4050	186	14	model	model	NOUN
fsr-4050	186	15	of	of	ADP
fsr-4050	186	16	the	the	DET
fsr-4050	186	17	current	current	ADJ
fsr-4050	186	18	study	study	NOUN
fsr-4050	186	19	.	.	PUNCT
fsr-4050	187	1	chen	chen	PROPN
fsr-4050	187	2	et	et	PROPN
fsr-4050	187	3	al	al	PROPN
fsr-4050	187	4	.	.	PROPN
fsr-4050	187	5	27	27	NUM
fsr-4050	187	6	figure	figure	NOUN
fsr-4050	187	7	1	1	NUM
fsr-4050	187	8	:	:	PUNCT
fsr-4050	187	9	proposed	propose	VERB
fsr-4050	187	10	research	research	NOUN
fsr-4050	187	11	model	model	NOUN
fsr-4050	187	12	h2(+	h2(+	NOUN
fsr-4050	187	13	)	)	PUNCT
fsr-4050	187	14	intention	intention	NOUN
fsr-4050	187	15	to	to	PART
fsr-4050	187	16	use	use	VERB
fsr-4050	187	17	fintech	fintech	NOUN
fsr-4050	187	18	to	to	PART
fsr-4050	187	19	save	save	VERB
fsr-4050	187	20	subjective	subjective	ADJ
fsr-4050	187	21	norms	norm	NOUN
fsr-4050	187	22	perceived	perceive	VERB
fsr-4050	187	23	behavioral	behavioral	ADJ
fsr-4050	187	24	control	control	NOUN
fsr-4050	187	25	adequate	adequate	ADJ
fsr-4050	187	26	emergency	emergency	NOUN
fsr-4050	187	27	fund	fund	NOUN
fsr-4050	187	28	savings	saving	NOUN
fsr-4050	187	29	attitudes	attitude	NOUN
fsr-4050	187	30	toward	toward	ADP
fsr-4050	187	31	adequate	adequate	ADJ
fsr-4050	187	32	emergency	emergency	NOUN
fsr-4050	187	33	fund	fund	NOUN
fsr-4050	187	34	savings	saving	NOUN
fsr-4050	187	35	saving	save	VERB
fsr-4050	187	36	app	app	NOUN
fsr-4050	187	37	use	use	NOUN
fsr-4050	187	38	saving	save	VERB
fsr-4050	187	39	website	website	NOUN
fsr-4050	187	40	use	use	VERB
fsr-4050	187	41	financial	financial	ADJ
fsr-4050	187	42	services	service	NOUN
fsr-4050	187	43	review	review	NOUN
fsr-4050	187	44	,	,	PUNCT
fsr-4050	187	45	33(3	33(3	NOUN
fsr-4050	187	46	)	)	SYM
fsr-4050	187	47	28	28	NUM
fsr-4050	187	48	methods	method	NOUN
fsr-4050	187	49	survey	survey	NOUN
fsr-4050	187	50	design	design	NOUN
fsr-4050	187	51	,	,	PUNCT
fsr-4050	187	52	data	datum	NOUN
fsr-4050	187	53	,	,	PUNCT
fsr-4050	187	54	and	and	CCONJ
fsr-4050	187	55	sample	sample	NOUN
fsr-4050	187	56	this	this	DET
fsr-4050	187	57	study	study	NOUN
fsr-4050	187	58	randomly	randomly	ADV
fsr-4050	187	59	collected	collect	VERB
fsr-4050	187	60	primary	primary	ADJ
fsr-4050	187	61	data	datum	NOUN
fsr-4050	187	62	from	from	ADP
fsr-4050	187	63	491	491	NUM
fsr-4050	187	64	u.s	u.s	PROPN
fsr-4050	187	65	.	.	PROPN
fsr-4050	187	66	working	work	VERB
fsr-4050	187	67	adults	adult	NOUN
fsr-4050	187	68	aged	aged	ADJ
fsr-4050	187	69	18	18	NUM
fsr-4050	187	70	and	and	CCONJ
fsr-4050	187	71	above	above	ADV
fsr-4050	187	72	from	from	ADP
fsr-4050	187	73	amazon	amazon	PROPN
fsr-4050	187	74	mturk	mturk	PROPN
fsr-4050	187	75	in	in	ADP
fsr-4050	187	76	july	july	PROPN
fsr-4050	187	77	2021	2021	NUM
fsr-4050	187	78	(	(	PUNCT
fsr-4050	187	79	cf	cf	NOUN
fsr-4050	187	80	.	.	PUNCT
fsr-4050	188	1	litman	litman	PROPN
fsr-4050	188	2	et	et	PROPN
fsr-4050	188	3	al	al	PROPN
fsr-4050	188	4	.	.	PROPN
fsr-4050	188	5	,	,	PUNCT
fsr-4050	188	6	2017	2017	NUM
fsr-4050	188	7	)	)	PUNCT
fsr-4050	188	8	.	.	PUNCT
fsr-4050	189	1	given	give	VERB
fsr-4050	189	2	the	the	DET
fsr-4050	189	3	nature	nature	NOUN
fsr-4050	189	4	of	of	ADP
fsr-4050	189	5	the	the	DET
fsr-4050	189	6	human	human	ADJ
fsr-4050	189	7	subject	subject	PROPN
fsr-4050	189	8	research	research	NOUN
fsr-4050	189	9	,	,	PUNCT
fsr-4050	189	10	this	this	DET
fsr-4050	189	11	study	study	NOUN
fsr-4050	189	12	was	be	AUX
fsr-4050	189	13	reviewed	review	VERB
fsr-4050	189	14	and	and	CCONJ
fsr-4050	189	15	approved	approve	VERB
fsr-4050	189	16	by	by	ADP
fsr-4050	189	17	the	the	DET
fsr-4050	189	18	institution	institution	NOUN
fsr-4050	189	19	human	human	PROPN
fsr-4050	189	20	research	research	PROPN
fsr-4050	189	21	protection	protection	NOUN
fsr-4050	189	22	program	program	NOUN
fsr-4050	189	23	(	(	PUNCT
fsr-4050	189	24	irb2021390	irb2021390	NOUN
fsr-4050	189	25	)	)	PUNCT
fsr-4050	189	26	.	.	PUNCT
fsr-4050	190	1	a	a	DET
fsr-4050	190	2	survey	survey	NOUN
fsr-4050	190	3	with	with	ADP
fsr-4050	190	4	fintech	fintech	NOUN
fsr-4050	190	5	use	use	NOUN
fsr-4050	190	6	,	,	PUNCT
fsr-4050	190	7	psychological	psychological	ADJ
fsr-4050	190	8	factors	factor	NOUN
fsr-4050	190	9	,	,	PUNCT
fsr-4050	190	10	and	and	CCONJ
fsr-4050	190	11	emergency	emergency	NOUN
fsr-4050	190	12	fund	fund	NOUN
fsr-4050	190	13	savings	saving	NOUN
fsr-4050	190	14	based	base	VERB
fsr-4050	190	15	on	on	ADP
fsr-4050	190	16	the	the	DET
fsr-4050	190	17	tpb	tpb	NOUN
fsr-4050	190	18	(	(	PUNCT
fsr-4050	190	19	ajzen	ajzen	NOUN
fsr-4050	190	20	,	,	PUNCT
fsr-4050	190	21	1991	1991	NUM
fsr-4050	190	22	;	;	PUNCT
fsr-4050	190	23	2006	2006	NUM
fsr-4050	190	24	)	)	PUNCT
fsr-4050	190	25	was	be	AUX
fsr-4050	190	26	designed	design	VERB
fsr-4050	190	27	and	and	CCONJ
fsr-4050	190	28	distributed	distribute	VERB
fsr-4050	190	29	to	to	ADP
fsr-4050	190	30	mturk	mturk	PROPN
fsr-4050	190	31	users	user	NOUN
fsr-4050	190	32	through	through	ADP
fsr-4050	190	33	qualtrics	qualtric	NOUN
fsr-4050	190	34	.	.	PUNCT
fsr-4050	191	1	before	before	ADP
fsr-4050	191	2	the	the	DET
fsr-4050	191	3	full	full	ADJ
fsr-4050	191	4	data	data	NOUN
fsr-4050	191	5	project	project	NOUN
fsr-4050	191	6	,	,	PUNCT
fsr-4050	191	7	a	a	DET
fsr-4050	191	8	pilot	pilot	NOUN
fsr-4050	191	9	study	study	NOUN
fsr-4050	191	10	was	be	AUX
fsr-4050	191	11	conducted	conduct	VERB
fsr-4050	191	12	to	to	PART
fsr-4050	191	13	determine	determine	VERB
fsr-4050	191	14	whether	whether	SCONJ
fsr-4050	191	15	the	the	DET
fsr-4050	191	16	proposed	propose	VERB
fsr-4050	191	17	survey	survey	NOUN
fsr-4050	191	18	and	and	CCONJ
fsr-4050	191	19	procedures	procedure	NOUN
fsr-4050	191	20	were	be	AUX
fsr-4050	191	21	appropriate	appropriate	ADJ
fsr-4050	191	22	for	for	ADP
fsr-4050	191	23	a	a	DET
fsr-4050	191	24	more	more	ADV
fsr-4050	191	25	extensive	extensive	ADJ
fsr-4050	191	26	sample	sample	NOUN
fsr-4050	191	27	.	.	PUNCT
fsr-4050	192	1	the	the	DET
fsr-4050	192	2	pilot	pilot	NOUN
fsr-4050	192	3	study	study	NOUN
fsr-4050	192	4	consisted	consist	VERB
fsr-4050	192	5	of	of	ADP
fsr-4050	192	6	45	45	NUM
fsr-4050	192	7	respondents	respondent	NOUN
fsr-4050	192	8	,	,	PUNCT
fsr-4050	192	9	including	include	VERB
fsr-4050	192	10	25	25	NUM
fsr-4050	192	11	unpaid	unpaid	ADJ
fsr-4050	192	12	family	family	NOUN
fsr-4050	192	13	members	member	NOUN
fsr-4050	192	14	,	,	PUNCT
fsr-4050	192	15	friends	friend	NOUN
fsr-4050	192	16	,	,	PUNCT
fsr-4050	192	17	colleagues	colleague	NOUN
fsr-4050	192	18	,	,	PUNCT
fsr-4050	192	19	professionals	professional	NOUN
fsr-4050	192	20	,	,	PUNCT
fsr-4050	192	21	and	and	CCONJ
fsr-4050	192	22	20	20	NUM
fsr-4050	192	23	paid	pay	VERB
fsr-4050	192	24	participants	participant	NOUN
fsr-4050	192	25	from	from	ADP
fsr-4050	192	26	mturk	mturk	PROPN
fsr-4050	192	27	(	(	PUNCT
fsr-4050	192	28	litman	litman	PROPN
fsr-4050	192	29	et	et	PROPN
fsr-4050	192	30	al	al	PROPN
fsr-4050	192	31	.	.	PROPN
fsr-4050	192	32	,	,	PUNCT
fsr-4050	192	33	2017	2017	NUM
fsr-4050	192	34	)	)	PUNCT
fsr-4050	192	35	.	.	PUNCT
fsr-4050	193	1	in	in	ADP
fsr-4050	193	2	the	the	DET
fsr-4050	193	3	complete	complete	ADJ
fsr-4050	193	4	data	data	NOUN
fsr-4050	193	5	collection	collection	NOUN
fsr-4050	193	6	project	project	NOUN
fsr-4050	193	7	,	,	PUNCT
fsr-4050	193	8	the	the	DET
fsr-4050	193	9	targeted	target	VERB
fsr-4050	193	10	sample	sample	NOUN
fsr-4050	193	11	size	size	NOUN
fsr-4050	193	12	of	of	ADP
fsr-4050	193	13	450	450	NUM
fsr-4050	193	14	was	be	AUX
fsr-4050	193	15	calculated	calculate	VERB
fsr-4050	193	16	based	base	VERB
fsr-4050	193	17	on	on	ADP
fsr-4050	193	18	a	a	DET
fsr-4050	193	19	5	5	NUM
fsr-4050	193	20	%	%	NOUN
fsr-4050	193	21	margin	margin	NOUN
fsr-4050	193	22	of	of	ADP
fsr-4050	193	23	error	error	NOUN
fsr-4050	193	24	and	and	CCONJ
fsr-4050	193	25	a	a	DET
fsr-4050	193	26	95	95	NUM
fsr-4050	193	27	%	%	NOUN
fsr-4050	193	28	confidence	confidence	NOUN
fsr-4050	193	29	level	level	NOUN
fsr-4050	193	30	.	.	PUNCT
fsr-4050	194	1	mturk	mturk	PROPN
fsr-4050	194	2	automatically	automatically	ADV
fsr-4050	194	3	excluded	exclude	VERB
fsr-4050	194	4	21	21	NUM
fsr-4050	194	5	respondents	respondent	NOUN
fsr-4050	194	6	who	who	PRON
fsr-4050	194	7	did	do	AUX
fsr-4050	194	8	not	not	PART
fsr-4050	194	9	meet	meet	VERB
fsr-4050	194	10	the	the	DET
fsr-4050	194	11	requirements	requirement	NOUN
fsr-4050	194	12	and	and	CCONJ
fsr-4050	194	13	paid	pay	VERB
fsr-4050	194	14	470	470	NUM
fsr-4050	194	15	respondents	respondent	NOUN
fsr-4050	194	16	,	,	PUNCT
fsr-4050	194	17	including	include	VERB
fsr-4050	194	18	17	17	NUM
fsr-4050	194	19	who	who	PRON
fsr-4050	194	20	completed	complete	VERB
fsr-4050	194	21	less	less	ADJ
fsr-4050	194	22	than	than	ADP
fsr-4050	194	23	40	40	NUM
fsr-4050	194	24	%	%	NOUN
fsr-4050	194	25	of	of	ADP
fsr-4050	194	26	the	the	DET
fsr-4050	194	27	questionnaire	questionnaire	NOUN
fsr-4050	194	28	.	.	PUNCT
fsr-4050	195	1	after	after	ADP
fsr-4050	195	2	excluding	exclude	VERB
fsr-4050	195	3	these	these	DET
fsr-4050	195	4	17	17	NUM
fsr-4050	195	5	observations	observation	NOUN
fsr-4050	195	6	,	,	PUNCT
fsr-4050	195	7	the	the	DET
fsr-4050	195	8	sample	sample	NOUN
fsr-4050	195	9	size	size	NOUN
fsr-4050	195	10	was	be	AUX
fsr-4050	195	11	453	453	NUM
fsr-4050	195	12	in	in	ADP
fsr-4050	195	13	the	the	DET
fsr-4050	195	14	final	final	ADJ
fsr-4050	195	15	analysis	analysis	NOUN
fsr-4050	195	16	.	.	PUNCT
fsr-4050	196	1	note	note	VERB
fsr-4050	196	2	that	that	SCONJ
fsr-4050	196	3	two	two	NUM
fsr-4050	196	4	respondents	respondent	NOUN
fsr-4050	196	5	with	with	ADP
fsr-4050	196	6	illogical	illogical	ADJ
fsr-4050	196	7	data	datum	NOUN
fsr-4050	196	8	reported	report	VERB
fsr-4050	196	9	numbers	number	NOUN
fsr-4050	196	10	that	that	PRON
fsr-4050	196	11	suggested	suggest	VERB
fsr-4050	196	12	the	the	DET
fsr-4050	196	13	survey	survey	NOUN
fsr-4050	196	14	was	be	AUX
fsr-4050	196	15	completed	complete	VERB
fsr-4050	196	16	without	without	ADP
fsr-4050	196	17	attention	attention	NOUN
fsr-4050	196	18	or	or	CCONJ
fsr-4050	196	19	artificially	artificially	ADV
fsr-4050	196	20	(	(	PUNCT
fsr-4050	196	21	i.e.	i.e.	X
fsr-4050	196	22	,	,	PUNCT
fsr-4050	196	23	income	income	NOUN
fsr-4050	196	24	reported	report	VERB
fsr-4050	196	25	as	as	ADP
fsr-4050	196	26	$	$	SYM
fsr-4050	196	27	50,006,000	50,006,000	NUM
fsr-4050	196	28	,	,	PUNCT
fsr-4050	196	29	expenses	expense	NOUN
fsr-4050	196	30	reported	report	VERB
fsr-4050	196	31	as	as	ADP
fsr-4050	196	32	$	$	SYM
fsr-4050	196	33	70,008,000	70,008,000	NUM
fsr-4050	196	34	,	,	PUNCT
fsr-4050	196	35	and	and	CCONJ
fsr-4050	196	36	emergency	emergency	NOUN
fsr-4050	196	37	fund	fund	NOUN
fsr-4050	196	38	reported	report	VERB
fsr-4050	196	39	as	as	ADP
fsr-4050	196	40	$	$	SYM
fsr-4050	196	41	6,000,000	6,000,000	NUM
fsr-4050	196	42	while	while	SCONJ
fsr-4050	196	43	income	income	NOUN
fsr-4050	196	44	reported	report	VERB
fsr-4050	196	45	as	as	ADP
fsr-4050	196	46	$	$	SYM
fsr-4050	196	47	50,000	50,000	NUM
fsr-4050	196	48	)	)	PUNCT
fsr-4050	196	49	.	.	PUNCT
fsr-4050	197	1	we	we	PRON
fsr-4050	197	2	used	use	VERB
fsr-4050	197	3	the	the	DET
fsr-4050	197	4	full	full	ADJ
fsr-4050	197	5	information	information	NOUN
fsr-4050	197	6	maximum	maximum	ADJ
fsr-4050	197	7	likelihood	likelihood	NOUN
fsr-4050	197	8	(	(	PUNCT
fsr-4050	197	9	fiml	fiml	NOUN
fsr-4050	197	10	)	)	PUNCT
fsr-4050	197	11	estimation	estimation	NOUN
fsr-4050	197	12	method	method	NOUN
fsr-4050	197	13	to	to	PART
fsr-4050	197	14	deal	deal	VERB
fsr-4050	197	15	with	with	ADP
fsr-4050	197	16	missing	miss	VERB
fsr-4050	197	17	data	datum	NOUN
fsr-4050	197	18	(	(	PUNCT
fsr-4050	197	19	cf	cf	NOUN
fsr-4050	197	20	.	.	PUNCT
fsr-4050	198	1	little	little	ADJ
fsr-4050	198	2	,	,	PUNCT
fsr-4050	198	3	2024	2024	NUM
fsr-4050	198	4	)	)	PUNCT
fsr-4050	198	5	.	.	PUNCT
fsr-4050	199	1	furthermore	furthermore	ADV
fsr-4050	199	2	,	,	PUNCT
fsr-4050	199	3	content	content	ADJ
fsr-4050	199	4	validity	validity	NOUN
fsr-4050	199	5	was	be	AUX
fsr-4050	199	6	applied	apply	VERB
fsr-4050	199	7	in	in	ADP
fsr-4050	199	8	the	the	DET
fsr-4050	199	9	survey	survey	NOUN
fsr-4050	199	10	by	by	ADP
fsr-4050	199	11	including	include	VERB
fsr-4050	199	12	questions	question	NOUN
fsr-4050	199	13	about	about	ADP
fsr-4050	199	14	highly	highly	ADV
fsr-4050	199	15	valid	valid	ADJ
fsr-4050	199	16	demographic	demographic	ADJ
fsr-4050	199	17	characteristics	characteristic	NOUN
fsr-4050	199	18	(	(	PUNCT
fsr-4050	199	19	ruel	ruel	PROPN
fsr-4050	199	20	et	et	PROPN
fsr-4050	199	21	al	al	PROPN
fsr-4050	199	22	.	.	PROPN
fsr-4050	199	23	,	,	PUNCT
fsr-4050	199	24	2015	2015	NUM
fsr-4050	199	25	)	)	PUNCT
fsr-4050	199	26	.	.	PUNCT
fsr-4050	200	1	for	for	ADP
fsr-4050	200	2	example	example	NOUN
fsr-4050	200	3	,	,	PUNCT
fsr-4050	200	4	respondents	respondent	NOUN
fsr-4050	200	5	can	can	AUX
fsr-4050	200	6	easily	easily	ADV
fsr-4050	200	7	answer	answer	VERB
fsr-4050	200	8	questions	question	NOUN
fsr-4050	200	9	regarding	regard	VERB
fsr-4050	200	10	their	their	PRON
fsr-4050	200	11	age	age	NOUN
fsr-4050	200	12	,	,	PUNCT
fsr-4050	200	13	gender	gender	NOUN
fsr-4050	200	14	,	,	PUNCT
fsr-4050	200	15	and	and	CCONJ
fsr-4050	200	16	race	race	NOUN
fsr-4050	200	17	.	.	PUNCT
fsr-4050	201	1	however	however	ADV
fsr-4050	201	2	,	,	PUNCT
fsr-4050	201	3	some	some	DET
fsr-4050	201	4	questions	question	NOUN
fsr-4050	201	5	include	include	VERB
fsr-4050	201	6	jargon	jargon	NOUN
fsr-4050	201	7	and	and	CCONJ
fsr-4050	201	8	are	be	AUX
fsr-4050	201	9	more	more	ADV
fsr-4050	201	10	difficult	difficult	ADJ
fsr-4050	201	11	to	to	PART
fsr-4050	201	12	answer	answer	VERB
fsr-4050	201	13	,	,	PUNCT
fsr-4050	201	14	such	such	ADJ
fsr-4050	201	15	as	as	ADP
fsr-4050	201	16	emergency	emergency	NOUN
fsr-4050	201	17	fund	fund	NOUN
fsr-4050	201	18	savings	saving	NOUN
fsr-4050	201	19	,	,	PUNCT
fsr-4050	201	20	saving	save	VERB
fsr-4050	201	21	accounts	account	NOUN
fsr-4050	201	22	,	,	PUNCT
fsr-4050	201	23	income	income	NOUN
fsr-4050	201	24	,	,	PUNCT
fsr-4050	201	25	and	and	CCONJ
fsr-4050	201	26	expenses	expense	NOUN
fsr-4050	201	27	.	.	PUNCT
fsr-4050	202	1	when	when	SCONJ
fsr-4050	202	2	asked	ask	VERB
fsr-4050	202	3	about	about	ADP
fsr-4050	202	4	emergency	emergency	NOUN
fsr-4050	202	5	fund	fund	NOUN
fsr-4050	202	6	savings	saving	NOUN
fsr-4050	202	7	in	in	ADP
fsr-4050	202	8	savings	saving	NOUN
fsr-4050	202	9	accounts	account	NOUN
fsr-4050	202	10	,	,	PUNCT
fsr-4050	202	11	few	few	ADJ
fsr-4050	202	12	respondents	respondent	NOUN
fsr-4050	202	13	might	might	AUX
fsr-4050	202	14	know	know	VERB
fsr-4050	202	15	that	that	SCONJ
fsr-4050	202	16	emergency	emergency	NOUN
fsr-4050	202	17	fund	fund	NOUN
fsr-4050	202	18	savings	saving	NOUN
fsr-4050	202	19	are	be	AUX
fsr-4050	202	20	usually	usually	ADV
fsr-4050	202	21	located	locate	VERB
fsr-4050	202	22	in	in	ADP
fsr-4050	202	23	liquid	liquid	ADJ
fsr-4050	202	24	accounts	account	NOUN
fsr-4050	202	25	such	such	ADJ
fsr-4050	202	26	as	as	ADP
fsr-4050	202	27	checking	checking	NOUN
fsr-4050	202	28	,	,	PUNCT
fsr-4050	202	29	savings	saving	NOUN
fsr-4050	202	30	,	,	PUNCT
fsr-4050	202	31	and	and	CCONJ
fsr-4050	202	32	money	money	NOUN
fsr-4050	202	33	market	market	NOUN
fsr-4050	202	34	accounts	account	NOUN
fsr-4050	202	35	.	.	PUNCT
fsr-4050	203	1	to	to	PART
fsr-4050	203	2	account	account	VERB
fsr-4050	203	3	for	for	ADP
fsr-4050	203	4	this	this	DET
fsr-4050	203	5	potential	potential	ADJ
fsr-4050	203	6	ambiguity	ambiguity	NOUN
fsr-4050	203	7	,	,	PUNCT
fsr-4050	203	8	the	the	DET
fsr-4050	203	9	survey	survey	NOUN
fsr-4050	203	10	question	question	NOUN
fsr-4050	203	11	defined	define	VERB
fsr-4050	203	12	and	and	CCONJ
fsr-4050	203	13	listed	list	VERB
fsr-4050	203	14	all	all	DET
fsr-4050	203	15	possible	possible	ADJ
fsr-4050	203	16	liquid	liquid	ADJ
fsr-4050	203	17	accounts	account	NOUN
fsr-4050	203	18	,	,	PUNCT
fsr-4050	203	19	including	include	VERB
fsr-4050	203	20	checking	check	VERB
fsr-4050	203	21	accounts	account	NOUN
fsr-4050	203	22	,	,	PUNCT
fsr-4050	203	23	savings	saving	NOUN
fsr-4050	203	24	accounts	account	NOUN
fsr-4050	203	25	,	,	PUNCT
fsr-4050	203	26	money	money	NOUN
fsr-4050	203	27	market	market	NOUN
fsr-4050	203	28	accounts	account	NOUN
fsr-4050	203	29	,	,	PUNCT
fsr-4050	203	30	and	and	CCONJ
fsr-4050	203	31	certificate	certificate	NOUN
fsr-4050	203	32	deposits	deposit	NOUN
fsr-4050	203	33	(	(	PUNCT
fsr-4050	203	34	cds	cds	PROPN
fsr-4050	203	35	)	)	PUNCT
fsr-4050	203	36	,	,	PUNCT
fsr-4050	203	37	that	that	SCONJ
fsr-4050	203	38	respondents	respondent	NOUN
fsr-4050	203	39	might	might	AUX
fsr-4050	203	40	use	use	VERB
fsr-4050	203	41	for	for	ADP
fsr-4050	203	42	their	their	PRON
fsr-4050	203	43	emergency	emergency	NOUN
fsr-4050	203	44	fund	fund	NOUN
fsr-4050	203	45	savings	saving	NOUN
fsr-4050	203	46	.	.	PUNCT
fsr-4050	204	1	variable	variable	ADJ
fsr-4050	204	2	measurement	measurement	NOUN
fsr-4050	204	3	the	the	DET
fsr-4050	204	4	dependent	dependent	ADJ
fsr-4050	204	5	variable	variable	NOUN
fsr-4050	204	6	is	be	AUX
fsr-4050	204	7	adequate	adequate	ADJ
fsr-4050	204	8	emergency	emergency	NOUN
fsr-4050	204	9	fund	fund	NOUN
fsr-4050	204	10	savings	saving	NOUN
fsr-4050	204	11	,	,	PUNCT
fsr-4050	204	12	calculated	calculate	VERB
fsr-4050	204	13	by	by	ADP
fsr-4050	204	14	whether	whether	SCONJ
fsr-4050	204	15	respondents	respondent	NOUN
fsr-4050	204	16	had	have	AUX
fsr-4050	204	17	at	at	ADV
fsr-4050	204	18	least	least	ADV
fsr-4050	204	19	three	three	NUM
fsr-4050	204	20	months	month	NOUN
fsr-4050	204	21	of	of	ADP
fsr-4050	204	22	living	living	NOUN
fsr-4050	204	23	expenses	expense	NOUN
fsr-4050	204	24	in	in	ADP
fsr-4050	204	25	their	their	PRON
fsr-4050	204	26	liquid	liquid	ADJ
fsr-4050	204	27	savings	savings	NOUN
fsr-4050	204	28	accounts	account	NOUN
fsr-4050	204	29	(	(	PUNCT
fsr-4050	204	30	i.e.	i.e.	X
fsr-4050	204	31	,	,	PUNCT
fsr-4050	204	32	checking	checking	NOUN
fsr-4050	204	33	and	and	CCONJ
fsr-4050	204	34	savings	saving	NOUN
fsr-4050	204	35	accounts	account	NOUN
fsr-4050	204	36	,	,	PUNCT
fsr-4050	204	37	money	money	NOUN
fsr-4050	204	38	market	market	NOUN
fsr-4050	204	39	accounts	account	NOUN
fsr-4050	204	40	,	,	PUNCT
fsr-4050	204	41	and	and	CCONJ
fsr-4050	204	42	short	short	ADJ
fsr-4050	204	43	-	-	PUNCT
fsr-4050	204	44	term	term	NOUN
fsr-4050	204	45	cds	cd	NOUN
fsr-4050	204	46	)	)	PUNCT
fsr-4050	204	47	.	.	PUNCT
fsr-4050	205	1	following	follow	VERB
fsr-4050	205	2	this	this	DET
fsr-4050	205	3	minimum	minimum	ADJ
fsr-4050	205	4	recommended	recommend	VERB
fsr-4050	205	5	guideline	guideline	NOUN
fsr-4050	205	6	,	,	PUNCT
fsr-4050	205	7	we	we	PRON
fsr-4050	205	8	calculated	calculate	VERB
fsr-4050	205	9	the	the	DET
fsr-4050	205	10	dollar	dollar	NOUN
fsr-4050	205	11	amount	amount	NOUN
fsr-4050	205	12	needed	need	VERB
fsr-4050	205	13	for	for	ADP
fsr-4050	205	14	adequate	adequate	ADJ
fsr-4050	205	15	emergency	emergency	NOUN
fsr-4050	205	16	fund	fund	NOUN
fsr-4050	205	17	savings	saving	NOUN
fsr-4050	205	18	by	by	ADP
fsr-4050	205	19	multiplying	multiply	VERB
fsr-4050	205	20	the	the	DET
fsr-4050	205	21	monthly	monthly	ADJ
fsr-4050	205	22	living	living	NOUN
fsr-4050	205	23	expenses	expense	NOUN
fsr-4050	205	24	by	by	ADP
fsr-4050	205	25	three	three	NUM
fsr-4050	205	26	.	.	PUNCT
fsr-4050	206	1	then	then	ADV
fsr-4050	206	2	,	,	PUNCT
fsr-4050	206	3	we	we	PRON
fsr-4050	206	4	compared	compare	VERB
fsr-4050	206	5	the	the	DET
fsr-4050	206	6	dollar	dollar	NOUN
fsr-4050	206	7	amount	amount	NOUN
fsr-4050	206	8	required	require	VERB
fsr-4050	206	9	with	with	ADP
fsr-4050	206	10	the	the	DET
fsr-4050	206	11	self	self	NOUN
fsr-4050	206	12	-	-	PUNCT
fsr-4050	206	13	reported	report	VERB
fsr-4050	206	14	emergency	emergency	NOUN
fsr-4050	206	15	fund	fund	NOUN
fsr-4050	206	16	balance	balance	NOUN
fsr-4050	206	17	.	.	PUNCT
fsr-4050	207	1	if	if	SCONJ
fsr-4050	207	2	the	the	DET
fsr-4050	207	3	self	self	NOUN
fsr-4050	207	4	-	-	PUNCT
fsr-4050	207	5	reported	report	VERB
fsr-4050	207	6	emergency	emergency	NOUN
fsr-4050	207	7	fund	fund	NOUN
fsr-4050	207	8	balance	balance	NOUN
fsr-4050	207	9	was	be	AUX
fsr-4050	207	10	equal	equal	ADJ
fsr-4050	207	11	to	to	ADP
fsr-4050	207	12	or	or	CCONJ
fsr-4050	207	13	greater	great	ADJ
fsr-4050	207	14	than	than	ADP
fsr-4050	207	15	the	the	DET
fsr-4050	207	16	dollar	dollar	NOUN
fsr-4050	207	17	amount	amount	NOUN
fsr-4050	207	18	needed	need	VERB
fsr-4050	207	19	,	,	PUNCT
fsr-4050	207	20	we	we	PRON
fsr-4050	207	21	coded	code	VERB
fsr-4050	207	22	it	it	PRON
fsr-4050	207	23	as	as	ADP
fsr-4050	207	24	1	1	NUM
fsr-4050	207	25	;	;	PUNCT
fsr-4050	207	26	otherwise	otherwise	ADV
fsr-4050	207	27	,	,	PUNCT
fsr-4050	207	28	0	0	X
fsr-4050	207	29	.	.	PUNCT
fsr-4050	208	1	the	the	DET
fsr-4050	208	2	primary	primary	ADJ
fsr-4050	208	3	explanatory	explanatory	ADJ
fsr-4050	208	4	concepts	concept	NOUN
fsr-4050	208	5	of	of	ADP
fsr-4050	208	6	interest	interest	NOUN
fsr-4050	208	7	are	be	AUX
fsr-4050	208	8	attitudes	attitude	NOUN
fsr-4050	208	9	toward	toward	ADP
fsr-4050	208	10	emergency	emergency	NOUN
fsr-4050	208	11	fund	fund	NOUN
fsr-4050	208	12	savings	saving	NOUN
fsr-4050	208	13	,	,	PUNCT
fsr-4050	208	14	subjective	subjective	ADJ
fsr-4050	208	15	norms	norm	NOUN
fsr-4050	208	16	,	,	PUNCT
fsr-4050	208	17	perceived	perceive	VERB
fsr-4050	208	18	behavioral	behavioral	ADJ
fsr-4050	208	19	control	control	NOUN
fsr-4050	208	20	over	over	ADP
fsr-4050	208	21	emergency	emergency	NOUN
fsr-4050	208	22	fund	fund	NOUN
fsr-4050	208	23	savings	saving	NOUN
fsr-4050	208	24	,	,	PUNCT
fsr-4050	208	25	intention	intention	NOUN
fsr-4050	208	26	to	to	PART
fsr-4050	208	27	use	use	VERB
fsr-4050	208	28	fintech	fintech	NOUN
fsr-4050	208	29	to	to	PART
fsr-4050	208	30	save	save	VERB
fsr-4050	208	31	for	for	ADP
fsr-4050	208	32	emergencies	emergency	NOUN
fsr-4050	208	33	,	,	PUNCT
fsr-4050	208	34	and	and	CCONJ
fsr-4050	208	35	actual	actual	ADJ
fsr-4050	208	36	fintech	fintech	NOUN
fsr-4050	208	37	use	use	NOUN
fsr-4050	208	38	.	.	PUNCT
fsr-4050	209	1	three	three	NUM
fsr-4050	209	2	latent	latent	ADJ
fsr-4050	209	3	variables	variable	NOUN
fsr-4050	209	4	,	,	PUNCT
fsr-4050	209	5	i.e.	i.e.	X
fsr-4050	209	6	,	,	PUNCT
fsr-4050	209	7	attitude	attitude	NOUN
fsr-4050	209	8	,	,	PUNCT
fsr-4050	209	9	subjective	subjective	ADJ
fsr-4050	209	10	norms	norm	NOUN
fsr-4050	209	11	,	,	PUNCT
fsr-4050	209	12	and	and	CCONJ
fsr-4050	209	13	perceived	perceive	VERB
fsr-4050	209	14	behavioral	behavioral	ADJ
fsr-4050	209	15	control	control	NOUN
fsr-4050	209	16	,	,	PUNCT
fsr-4050	209	17	were	be	AUX
fsr-4050	209	18	utilized	utilize	VERB
fsr-4050	209	19	to	to	PART
fsr-4050	209	20	measure	measure	VERB
fsr-4050	209	21	respondents	respondent	NOUN
fsr-4050	209	22	'	'	PART
fsr-4050	209	23	motivations	motivation	NOUN
fsr-4050	209	24	and	and	CCONJ
fsr-4050	209	25	perceptions	perception	NOUN
fsr-4050	209	26	of	of	ADP
fsr-4050	209	27	emergency	emergency	NOUN
fsr-4050	209	28	fund	fund	NOUN
fsr-4050	209	29	savings	saving	NOUN
fsr-4050	209	30	.	.	PUNCT
fsr-4050	210	1	indicators	indicator	NOUN
fsr-4050	210	2	were	be	AUX
fsr-4050	210	3	constructed	construct	VERB
fsr-4050	210	4	following	follow	VERB
fsr-4050	210	5	a	a	DET
fsr-4050	210	6	recommended	recommend	VERB
fsr-4050	210	7	methodology	methodology	NOUN
fsr-4050	210	8	based	base	VERB
fsr-4050	210	9	on	on	ADP
fsr-4050	210	10	the	the	DET
fsr-4050	210	11	tpb	tpb	NOUN
fsr-4050	210	12	questionnaire	questionnaire	NOUN
fsr-4050	210	13	(	(	PUNCT
fsr-4050	210	14	ajzen	ajzen	ADJ
fsr-4050	210	15	,	,	PUNCT
fsr-4050	210	16	2006	2006	NUM
fsr-4050	210	17	)	)	PUNCT
fsr-4050	210	18	(	(	PUNCT
fsr-4050	210	19	see	see	VERB
fsr-4050	210	20	appendix	appendix	NOUN
fsr-4050	210	21	)	)	PUNCT
fsr-4050	210	22	.	.	PUNCT
fsr-4050	211	1	the	the	DET
fsr-4050	211	2	seven	seven	NUM
fsr-4050	211	3	-	-	PUNCT
fsr-4050	211	4	point	point	NOUN
fsr-4050	211	5	scale	scale	NOUN
fsr-4050	211	6	was	be	AUX
fsr-4050	211	7	used	use	VERB
fsr-4050	211	8	for	for	SCONJ
fsr-4050	211	9	respondents	respondent	NOUN
fsr-4050	211	10	to	to	PART
fsr-4050	211	11	answer	answer	VERB
fsr-4050	211	12	the	the	DET
fsr-4050	211	13	survey	survey	NOUN
fsr-4050	211	14	questions	question	NOUN
fsr-4050	211	15	of	of	ADP
fsr-4050	211	16	the	the	DET
fsr-4050	211	17	three	three	NUM
fsr-4050	211	18	latent	latent	NOUN
fsr-4050	211	19	variables	variable	NOUN
fsr-4050	211	20	.	.	PUNCT
fsr-4050	212	1	the	the	DET
fsr-4050	212	2	attitudes	attitude	NOUN
fsr-4050	212	3	,	,	PUNCT
fsr-4050	212	4	subjective	subjective	ADJ
fsr-4050	212	5	norms	norm	NOUN
fsr-4050	212	6	,	,	PUNCT
fsr-4050	212	7	and	and	CCONJ
fsr-4050	212	8	perceived	perceive	VERB
fsr-4050	212	9	behavioral	behavioral	ADJ
fsr-4050	212	10	control	control	NOUN
fsr-4050	212	11	constructs	construct	NOUN
fsr-4050	212	12	demonstrated	demonstrate	VERB
fsr-4050	212	13	a	a	DET
fsr-4050	212	14	good	good	ADJ
fsr-4050	212	15	(	(	PUNCT
fsr-4050	212	16	0.7	0.7	NUM
fsr-4050	212	17	≤	≤	NUM
fsr-4050	212	18	𝛼	𝛼	PRON
fsr-4050	212	19	≤	≤	NUM
fsr-4050	212	20	0.8	0.8	NUM
fsr-4050	212	21	)	)	PUNCT
fsr-4050	212	22	internal	internal	ADJ
fsr-4050	212	23	reliability	reliability	NOUN
fsr-4050	212	24	(	(	PUNCT
fsr-4050	212	25	cf	cf	NOUN
fsr-4050	212	26	.	.	PUNCT
fsr-4050	213	1	taber	taber	PROPN
fsr-4050	213	2	,	,	PUNCT
fsr-4050	213	3	2018	2018	NUM
fsr-4050	213	4	)	)	PUNCT
fsr-4050	213	5	.	.	PUNCT
fsr-4050	214	1	intention	intention	NOUN
fsr-4050	214	2	to	to	PART
fsr-4050	214	3	use	use	VERB
fsr-4050	214	4	fintech	fintech	NOUN
fsr-4050	214	5	to	to	PART
fsr-4050	214	6	save	save	VERB
fsr-4050	214	7	is	be	AUX
fsr-4050	214	8	an	an	DET
fsr-4050	214	9	observed	observed	ADJ
fsr-4050	214	10	variable	variable	NOUN
fsr-4050	214	11	operationalized	operationalize	VERB
fsr-4050	214	12	through	through	ADP
fsr-4050	214	13	a	a	DET
fsr-4050	214	14	7	7	NUM
fsr-4050	214	15	-	-	PUNCT
fsr-4050	214	16	point	point	NOUN
fsr-4050	214	17	likert	likert	ADJ
fsr-4050	214	18	-	-	PUNCT
fsr-4050	214	19	type	type	NOUN
fsr-4050	214	20	question	question	NOUN
fsr-4050	214	21	.	.	PUNCT
fsr-4050	215	1	based	base	VERB
fsr-4050	215	2	on	on	ADP
fsr-4050	215	3	the	the	DET
fsr-4050	215	4	model	model	NOUN
fsr-4050	215	5	,	,	PUNCT
fsr-4050	215	6	intention	intention	NOUN
fsr-4050	215	7	was	be	AUX
fsr-4050	215	8	a	a	DET
fsr-4050	215	9	key	key	ADJ
fsr-4050	215	10	variable	variable	NOUN
fsr-4050	215	11	in	in	ADP
fsr-4050	215	12	the	the	DET
fsr-4050	215	13	path	path	NOUN
fsr-4050	215	14	from	from	ADP
fsr-4050	215	15	attitudes	attitude	NOUN
fsr-4050	215	16	,	,	PUNCT
fsr-4050	215	17	subjective	subjective	ADJ
fsr-4050	215	18	norms	norm	NOUN
fsr-4050	215	19	,	,	PUNCT
fsr-4050	215	20	and	and	CCONJ
fsr-4050	215	21	perceived	perceive	VERB
fsr-4050	215	22	behavioral	behavioral	ADJ
fsr-4050	215	23	control	control	NOUN
fsr-4050	215	24	to	to	ADP
fsr-4050	215	25	emergency	emergency	NOUN
fsr-4050	215	26	fund	fund	NOUN
fsr-4050	215	27	savings	saving	NOUN
fsr-4050	215	28	through	through	ADP
fsr-4050	215	29	actual	actual	ADJ
fsr-4050	215	30	fintech	fintech	NOUN
fsr-4050	215	31	use	use	NOUN
fsr-4050	215	32	.	.	PUNCT
fsr-4050	216	1	as	as	SCONJ
fsr-4050	216	2	mentioned	mention	VERB
fsr-4050	216	3	,	,	PUNCT
fsr-4050	216	4	actual	actual	ADJ
fsr-4050	216	5	fintech	fintech	NOUN
fsr-4050	216	6	use	use	NOUN
fsr-4050	216	7	was	be	AUX
fsr-4050	216	8	categorized	categorize	VERB
fsr-4050	216	9	into	into	ADP
fsr-4050	216	10	two	two	NUM
fsr-4050	216	11	observed	observed	ADJ
fsr-4050	216	12	variables	variable	NOUN
fsr-4050	216	13	:	:	PUNCT
fsr-4050	216	14	saving	save	VERB
fsr-4050	216	15	apps	app	NOUN
fsr-4050	216	16	and	and	CCONJ
fsr-4050	216	17	saving	save	VERB
fsr-4050	216	18	websites	website	NOUN
fsr-4050	216	19	.	.	PUNCT
fsr-4050	217	1	objective	objective	ADJ
fsr-4050	217	2	financial	financial	ADJ
fsr-4050	217	3	knowledge	knowledge	NOUN
fsr-4050	217	4	was	be	AUX
fsr-4050	217	5	derived	derive	VERB
fsr-4050	217	6	from	from	ADP
fsr-4050	217	7	houts	hout	NOUN
fsr-4050	217	8	and	and	CCONJ
fsr-4050	217	9	knoll	knoll	NOUN
fsr-4050	217	10	's	's	PART
fsr-4050	217	11	(	(	PUNCT
fsr-4050	217	12	2020	2020	NUM
fsr-4050	217	13	)	)	PUNCT
fsr-4050	217	14	financial	financial	ADJ
fsr-4050	217	15	knowledge	knowledge	NOUN
fsr-4050	217	16	scale	scale	NOUN
fsr-4050	217	17	(	(	PUNCT
fsr-4050	217	18	fks	fks	PROPN
fsr-4050	217	19	)	)	PUNCT
fsr-4050	217	20	and	and	CCONJ
fsr-4050	217	21	constructed	construct	VERB
fsr-4050	217	22	by	by	ADP
fsr-4050	217	23	ten	ten	NUM
fsr-4050	217	24	objective	objective	ADJ
fsr-4050	217	25	financial	financial	ADJ
fsr-4050	217	26	knowledge	knowledge	NOUN
fsr-4050	217	27	questions	question	NOUN
fsr-4050	217	28	(	(	PUNCT
fsr-4050	217	29	see	see	VERB
fsr-4050	217	30	appendix	appendix	NOUN
fsr-4050	217	31	)	)	PUNCT
fsr-4050	217	32	.	.	PUNCT
fsr-4050	218	1	respondents	respondent	NOUN
fsr-4050	218	2	'	'	PART
fsr-4050	218	3	correct	correct	ADJ
fsr-4050	218	4	responses	response	NOUN
fsr-4050	218	5	represent	represent	VERB
fsr-4050	218	6	the	the	DET
fsr-4050	218	7	value	value	NOUN
fsr-4050	218	8	of	of	ADP
fsr-4050	218	9	objective	objective	ADJ
fsr-4050	218	10	financial	financial	ADJ
fsr-4050	218	11	knowledge	knowledge	NOUN
fsr-4050	218	12	ranging	range	VERB
fsr-4050	218	13	from	from	ADP
fsr-4050	218	14	zero	zero	NUM
fsr-4050	218	15	to	to	ADP
fsr-4050	218	16	ten	ten	NUM
fsr-4050	218	17	.	.	PUNCT
fsr-4050	219	1	subjective	subjective	ADJ
fsr-4050	219	2	financial	financial	ADJ
fsr-4050	219	3	knowledge	knowledge	NOUN
fsr-4050	219	4	was	be	AUX
fsr-4050	219	5	derived	derive	VERB
fsr-4050	219	6	from	from	ADP
fsr-4050	219	7	a	a	DET
fsr-4050	219	8	chen	chen	PROPN
fsr-4050	219	9	et	et	PROPN
fsr-4050	219	10	al	al	PROPN
fsr-4050	219	11	.	.	PROPN
fsr-4050	219	12	29	29	NUM
fsr-4050	219	13	self	self	NOUN
fsr-4050	219	14	-	-	PUNCT
fsr-4050	219	15	assessment	assessment	NOUN
fsr-4050	219	16	of	of	ADP
fsr-4050	219	17	their	their	PRON
fsr-4050	219	18	overall	overall	ADJ
fsr-4050	219	19	financial	financial	ADJ
fsr-4050	219	20	knowledge	knowledge	NOUN
fsr-4050	219	21	.	.	PUNCT
fsr-4050	220	1	the	the	DET
fsr-4050	220	2	analysis	analysis	NOUN
fsr-4050	220	3	also	also	ADV
fsr-4050	220	4	included	include	VERB
fsr-4050	220	5	covariate	covariate	ADJ
fsr-4050	220	6	variables	variable	NOUN
fsr-4050	220	7	(	(	PUNCT
fsr-4050	220	8	i.e.	i.e.	X
fsr-4050	220	9	,	,	PUNCT
fsr-4050	220	10	wealth	wealth	NOUN
fsr-4050	220	11	,	,	PUNCT
fsr-4050	220	12	income	income	NOUN
fsr-4050	220	13	,	,	PUNCT
fsr-4050	220	14	bank	bank	NOUN
fsr-4050	220	15	account	account	NOUN
fsr-4050	220	16	holders	holder	NOUN
fsr-4050	220	17	,	,	PUNCT
fsr-4050	220	18	age	age	NOUN
fsr-4050	220	19	,	,	PUNCT
fsr-4050	220	20	gender	gender	NOUN
fsr-4050	220	21	,	,	PUNCT
fsr-4050	220	22	race	race	NOUN
fsr-4050	220	23	,	,	PUNCT
fsr-4050	220	24	educational	educational	ADJ
fsr-4050	220	25	achievement	achievement	NOUN
fsr-4050	220	26	,	,	PUNCT
fsr-4050	220	27	marital	marital	ADJ
fsr-4050	220	28	status	status	NOUN
fsr-4050	220	29	,	,	PUNCT
fsr-4050	220	30	employment	employment	NOUN
fsr-4050	220	31	,	,	PUNCT
fsr-4050	220	32	and	and	CCONJ
fsr-4050	220	33	the	the	DET
fsr-4050	220	34	number	number	NOUN
fsr-4050	220	35	of	of	ADP
fsr-4050	220	36	children	child	NOUN
fsr-4050	220	37	)	)	PUNCT
fsr-4050	220	38	.	.	PUNCT
fsr-4050	221	1	data	datum	NOUN
fsr-4050	221	2	analysis	analysis	NOUN
fsr-4050	221	3	a	a	DET
fsr-4050	221	4	structural	structural	ADJ
fsr-4050	221	5	equation	equation	NOUN
fsr-4050	221	6	model	model	NOUN
fsr-4050	221	7	(	(	PUNCT
fsr-4050	221	8	sem	sem	NOUN
fsr-4050	221	9	)	)	PUNCT
fsr-4050	221	10	with	with	ADP
fsr-4050	221	11	a	a	DET
fsr-4050	221	12	confirmatory	confirmatory	NOUN
fsr-4050	221	13	factor	factor	NOUN
fsr-4050	221	14	analysis	analysis	NOUN
fsr-4050	221	15	(	(	PUNCT
fsr-4050	221	16	cfa	cfa	NOUN
fsr-4050	221	17	)	)	PUNCT
fsr-4050	221	18	was	be	AUX
fsr-4050	221	19	employed	employ	VERB
fsr-4050	221	20	for	for	ADP
fsr-4050	221	21	the	the	DET
fsr-4050	221	22	psychological	psychological	ADJ
fsr-4050	221	23	constructs	construct	NOUN
fsr-4050	221	24	in	in	ADP
fsr-4050	221	25	mplus	mplus	NOUN
fsr-4050	221	26	.	.	PUNCT
fsr-4050	222	1	the	the	DET
fsr-4050	222	2	model	model	NOUN
fsr-4050	222	3	tested	test	VERB
fsr-4050	222	4	the	the	DET
fsr-4050	222	5	following	following	ADJ
fsr-4050	222	6	effects	effect	NOUN
fsr-4050	222	7	:	:	PUNCT
fsr-4050	222	8	(	(	PUNCT
fsr-4050	222	9	a	a	X
fsr-4050	222	10	)	)	PUNCT
fsr-4050	222	11	the	the	DET
fsr-4050	222	12	direct	direct	ADJ
fsr-4050	222	13	effects	effect	NOUN
fsr-4050	222	14	of	of	ADP
fsr-4050	222	15	attitudes	attitude	NOUN
fsr-4050	222	16	,	,	PUNCT
fsr-4050	222	17	subjective	subjective	ADJ
fsr-4050	222	18	norms	norm	NOUN
fsr-4050	222	19	,	,	PUNCT
fsr-4050	222	20	and	and	CCONJ
fsr-4050	222	21	perceived	perceive	VERB
fsr-4050	222	22	behavioral	behavioral	ADJ
fsr-4050	222	23	control	control	NOUN
fsr-4050	222	24	on	on	ADP
fsr-4050	222	25	the	the	DET
fsr-4050	222	26	intention	intention	NOUN
fsr-4050	222	27	to	to	PART
fsr-4050	222	28	use	use	VERB
fsr-4050	222	29	fintech	fintech	NOUN
fsr-4050	222	30	to	to	PART
fsr-4050	222	31	save	save	VERB
fsr-4050	222	32	;	;	PUNCT
fsr-4050	222	33	(	(	PUNCT
fsr-4050	222	34	b	b	X
fsr-4050	222	35	)	)	PUNCT
fsr-4050	222	36	the	the	DET
fsr-4050	222	37	direct	direct	ADJ
fsr-4050	222	38	effects	effect	NOUN
fsr-4050	222	39	of	of	ADP
fsr-4050	222	40	perceived	perceive	VERB
fsr-4050	222	41	behavioral	behavioral	ADJ
fsr-4050	222	42	control	control	NOUN
fsr-4050	222	43	on	on	ADP
fsr-4050	222	44	emergency	emergency	NOUN
fsr-4050	222	45	fund	fund	NOUN
fsr-4050	222	46	savings	saving	NOUN
fsr-4050	222	47	based	base	VERB
fsr-4050	222	48	on	on	ADP
fsr-4050	222	49	the	the	DET
fsr-4050	222	50	assumption	assumption	NOUN
fsr-4050	222	51	that	that	SCONJ
fsr-4050	222	52	behavioral	behavioral	ADJ
fsr-4050	222	53	perceptions	perception	NOUN
fsr-4050	222	54	(	(	PUNCT
fsr-4050	222	55	i.e.	i.e.	X
fsr-4050	222	56	,	,	PUNCT
fsr-4050	222	57	self	self	NOUN
fsr-4050	222	58	-	-	PUNCT
fsr-4050	222	59	reported	report	VERB
fsr-4050	222	60	emergency	emergency	NOUN
fsr-4050	222	61	fund	fund	NOUN
fsr-4050	222	62	level	level	NOUN
fsr-4050	222	63	)	)	PUNCT
fsr-4050	222	64	are	be	AUX
fsr-4050	222	65	close	close	ADJ
fsr-4050	222	66	enough	enough	ADV
fsr-4050	222	67	to	to	ADP
fsr-4050	222	68	actual	actual	ADJ
fsr-4050	222	69	behavior	behavior	NOUN
fsr-4050	222	70	(	(	PUNCT
fsr-4050	222	71	ajzen	ajzen	NOUN
fsr-4050	222	72	,	,	PUNCT
fsr-4050	222	73	1991	1991	NUM
fsr-4050	222	74	)	)	PUNCT
fsr-4050	222	75	;	;	PUNCT
fsr-4050	222	76	(	(	PUNCT
fsr-4050	222	77	c	c	X
fsr-4050	222	78	)	)	PUNCT
fsr-4050	222	79	the	the	DET
fsr-4050	222	80	direct	direct	ADJ
fsr-4050	222	81	effect	effect	NOUN
fsr-4050	222	82	of	of	ADP
fsr-4050	222	83	intention	intention	NOUN
fsr-4050	222	84	to	to	PART
fsr-4050	222	85	use	use	VERB
fsr-4050	222	86	fintech	fintech	NOUN
fsr-4050	222	87	to	to	PART
fsr-4050	222	88	save	save	VERB
fsr-4050	222	89	on	on	ADP
fsr-4050	222	90	actual	actual	ADJ
fsr-4050	222	91	fintech	fintech	NOUN
fsr-4050	222	92	use	use	NOUN
fsr-4050	222	93	,	,	PUNCT
fsr-4050	222	94	measured	measure	VERB
fsr-4050	222	95	by	by	ADP
fsr-4050	222	96	saving	save	VERB
fsr-4050	222	97	app	app	NOUN
fsr-4050	222	98	use	use	NOUN
fsr-4050	222	99	and	and	CCONJ
fsr-4050	222	100	saving	save	VERB
fsr-4050	222	101	website	website	NOUN
fsr-4050	222	102	use	use	NOUN
fsr-4050	222	103	,	,	PUNCT
fsr-4050	222	104	respectively	respectively	ADV
fsr-4050	222	105	;	;	PUNCT
fsr-4050	222	106	(	(	PUNCT
fsr-4050	222	107	d	d	X
fsr-4050	222	108	)	)	PUNCT
fsr-4050	222	109	the	the	DET
fsr-4050	222	110	indirect	indirect	ADJ
fsr-4050	222	111	effects	effect	NOUN
fsr-4050	222	112	of	of	ADP
fsr-4050	222	113	attitudes	attitude	NOUN
fsr-4050	222	114	,	,	PUNCT
fsr-4050	222	115	subjective	subjective	ADJ
fsr-4050	222	116	norms	norm	NOUN
fsr-4050	222	117	,	,	PUNCT
fsr-4050	222	118	and	and	CCONJ
fsr-4050	222	119	perceived	perceive	VERB
fsr-4050	222	120	behavioral	behavioral	ADJ
fsr-4050	222	121	control	control	NOUN
fsr-4050	222	122	on	on	ADP
fsr-4050	222	123	the	the	DET
fsr-4050	222	124	actual	actual	ADJ
fsr-4050	222	125	emergency	emergency	NOUN
fsr-4050	222	126	fund	fund	NOUN
fsr-4050	222	127	savings	saving	NOUN
fsr-4050	222	128	through	through	ADP
fsr-4050	222	129	intention	intention	NOUN
fsr-4050	222	130	to	to	PART
fsr-4050	222	131	use	use	VERB
fsr-4050	222	132	fintech	fintech	NOUN
fsr-4050	222	133	to	to	PART
fsr-4050	222	134	save	save	VERB
fsr-4050	222	135	and	and	CCONJ
fsr-4050	222	136	to	to	PART
fsr-4050	222	137	actually	actually	ADV
fsr-4050	222	138	use	use	VERB
fsr-4050	222	139	fintech	fintech	NOUN
fsr-4050	222	140	.	.	PUNCT
fsr-4050	223	1	the	the	DET
fsr-4050	223	2	covariate	covariate	ADJ
fsr-4050	223	3	variables	variable	NOUN
fsr-4050	223	4	are	be	AUX
fsr-4050	223	5	controlled	control	VERB
fsr-4050	223	6	based	base	VERB
fsr-4050	223	7	on	on	ADP
fsr-4050	223	8	a	a	DET
fsr-4050	223	9	full	full	ADJ
fsr-4050	223	10	partial	partial	ADJ
fsr-4050	223	11	approach	approach	NOUN
fsr-4050	223	12	.	.	PUNCT
fsr-4050	224	1	all	all	DET
fsr-4050	224	2	constructs	construct	NOUN
fsr-4050	224	3	are	be	AUX
fsr-4050	224	4	regressed	regress	VERB
fsr-4050	224	5	on	on	ADP
fsr-4050	224	6	the	the	DET
fsr-4050	224	7	covariates	covariate	NOUN
fsr-4050	224	8	but	but	CCONJ
fsr-4050	224	9	only	only	ADV
fsr-4050	224	10	for	for	ADP
fsr-4050	224	11	the	the	DET
fsr-4050	224	12	significant	significant	ADJ
fsr-4050	224	13	effects	effect	NOUN
fsr-4050	224	14	(	(	PUNCT
fsr-4050	224	15	little	little	ADJ
fsr-4050	224	16	,	,	PUNCT
fsr-4050	224	17	2024	2024	NUM
fsr-4050	224	18	)	)	PUNCT
fsr-4050	224	19	.	.	PUNCT
fsr-4050	225	1	the	the	DET
fsr-4050	225	2	significant	significant	ADJ
fsr-4050	225	3	effects	effect	NOUN
fsr-4050	225	4	of	of	ADP
fsr-4050	225	5	control	control	NOUN
fsr-4050	225	6	variables	variable	NOUN
fsr-4050	225	7	on	on	ADP
fsr-4050	225	8	the	the	DET
fsr-4050	225	9	latent	latent	NOUN
fsr-4050	225	10	construct	construct	NOUN
fsr-4050	225	11	predictors	predictor	NOUN
fsr-4050	225	12	represent	represent	VERB
fsr-4050	225	13	the	the	DET
fsr-4050	225	14	measurement	measurement	NOUN
fsr-4050	225	15	of	of	ADP
fsr-4050	225	16	noninvariance	noninvariance	NOUN
fsr-4050	225	17	(	(	PUNCT
fsr-4050	225	18	brown	brown	ADJ
fsr-4050	225	19	,	,	PUNCT
fsr-4050	225	20	2015	2015	NUM
fsr-4050	225	21	)	)	PUNCT
fsr-4050	225	22	.	.	PUNCT
fsr-4050	226	1	the	the	DET
fsr-4050	226	2	variance	variance	NOUN
fsr-4050	226	3	inflation	inflation	NOUN
fsr-4050	226	4	factors	factor	NOUN
fsr-4050	226	5	(	(	PUNCT
fsr-4050	226	6	vifs	vifs	PROPN
fsr-4050	226	7	)	)	PUNCT
fsr-4050	226	8	test	test	NOUN
fsr-4050	226	9	was	be	AUX
fsr-4050	226	10	run	run	VERB
fsr-4050	226	11	to	to	PART
fsr-4050	226	12	diagnose	diagnose	NOUN
fsr-4050	226	13	collinearity	collinearity	NOUN
fsr-4050	226	14	/	/	SYM
fsr-4050	226	15	multicollinearity	multicollinearity	NOUN
fsr-4050	226	16	issues	issue	NOUN
fsr-4050	226	17	in	in	ADP
fsr-4050	226	18	the	the	DET
fsr-4050	226	19	analysis	analysis	NOUN
fsr-4050	226	20	(	(	PUNCT
fsr-4050	226	21	henager	henag	ADJ
fsr-4050	226	22	&	&	CCONJ
fsr-4050	226	23	cude	cude	ADJ
fsr-4050	226	24	,	,	PUNCT
fsr-4050	226	25	2016	2016	NUM
fsr-4050	226	26	)	)	PUNCT
fsr-4050	226	27	.	.	PUNCT
fsr-4050	227	1	the	the	DET
fsr-4050	227	2	vifs	vifs	PROPN
fsr-4050	227	3	indicated	indicate	VERB
fsr-4050	227	4	low	low	ADJ
fsr-4050	227	5	multicollinearity	multicollinearity	NOUN
fsr-4050	227	6	concerns	concern	NOUN
fsr-4050	227	7	between	between	ADP
fsr-4050	227	8	independent	independent	ADJ
fsr-4050	227	9	variables	variable	NOUN
fsr-4050	227	10	(	(	PUNCT
fsr-4050	227	11	mean	mean	INTJ
fsr-4050	227	12	vif	vif	X
fsr-4050	227	13	=	=	NOUN
fsr-4050	227	14	1.44	1.44	NUM
fsr-4050	227	15	;	;	PUNCT
fsr-4050	227	16	lowest	low	ADJ
fsr-4050	227	17	vif	vif	NOUN
fsr-4050	227	18	=	=	NOUN
fsr-4050	227	19	1.05	1.05	NUM
fsr-4050	227	20	;	;	PUNCT
fsr-4050	227	21	highest	high	ADJ
fsr-4050	227	22	vif	vif	NOUN
fsr-4050	227	23	=	=	NOUN
fsr-4050	227	24	1.91	1.91	NUM
fsr-4050	227	25	)	)	PUNCT
fsr-4050	227	26	.	.	PUNCT
fsr-4050	228	1	results	result	VERB
fsr-4050	228	2	descriptive	descriptive	ADJ
fsr-4050	228	3	statistics	statistic	NOUN
fsr-4050	228	4	tables	table	NOUN
fsr-4050	228	5	1	1	NUM
fsr-4050	228	6	and	and	CCONJ
fsr-4050	228	7	2	2	NUM
fsr-4050	228	8	show	show	VERB
fsr-4050	228	9	the	the	DET
fsr-4050	228	10	sample	sample	NOUN
fsr-4050	228	11	characteristics	characteristic	NOUN
fsr-4050	228	12	of	of	ADP
fsr-4050	228	13	continuous	continuous	ADJ
fsr-4050	228	14	and	and	CCONJ
fsr-4050	228	15	categorical	categorical	ADJ
fsr-4050	228	16	variables	variable	NOUN
fsr-4050	228	17	.	.	PUNCT
fsr-4050	229	1	the	the	DET
fsr-4050	229	2	results	result	NOUN
fsr-4050	229	3	indicated	indicate	VERB
fsr-4050	229	4	that	that	SCONJ
fsr-4050	229	5	approximately	approximately	ADV
fsr-4050	229	6	39	39	NUM
fsr-4050	229	7	%	%	NOUN
fsr-4050	229	8	of	of	ADP
fsr-4050	229	9	respondents	respondent	NOUN
fsr-4050	229	10	had	have	VERB
fsr-4050	229	11	adequate	adequate	ADJ
fsr-4050	229	12	emergency	emergency	NOUN
fsr-4050	229	13	fund	fund	NOUN
fsr-4050	229	14	savings	saving	NOUN
fsr-4050	229	15	.	.	PUNCT
fsr-4050	230	1	respondents	respondent	NOUN
fsr-4050	230	2	had	have	VERB
fsr-4050	230	3	a	a	DET
fsr-4050	230	4	strong	strong	ADJ
fsr-4050	230	5	intention	intention	NOUN
fsr-4050	230	6	to	to	PART
fsr-4050	230	7	use	use	VERB
fsr-4050	230	8	fintech	fintech	NOUN
fsr-4050	230	9	to	to	PART
fsr-4050	230	10	save	save	VERB
fsr-4050	230	11	(	(	PUNCT
fsr-4050	230	12	5	5	NUM
fsr-4050	230	13	out	out	ADP
fsr-4050	230	14	of	of	ADP
fsr-4050	230	15	7	7	NUM
fsr-4050	230	16	)	)	PUNCT
fsr-4050	230	17	.	.	PUNCT
fsr-4050	231	1	meanwhile	meanwhile	ADV
fsr-4050	231	2	,	,	PUNCT
fsr-4050	231	3	they	they	PRON
fsr-4050	231	4	did	do	AUX
fsr-4050	231	5	not	not	PART
fsr-4050	231	6	frequently	frequently	ADV
fsr-4050	231	7	use	use	VERB
fsr-4050	231	8	saving	save	VERB
fsr-4050	231	9	apps	app	NOUN
fsr-4050	231	10	(	(	PUNCT
fsr-4050	231	11	3.3	3.3	NUM
fsr-4050	231	12	out	out	ADP
fsr-4050	231	13	of	of	ADP
fsr-4050	231	14	7	7	NUM
fsr-4050	231	15	)	)	PUNCT
fsr-4050	231	16	or	or	CCONJ
fsr-4050	231	17	websites	website	NOUN
fsr-4050	231	18	(	(	PUNCT
fsr-4050	231	19	3.4	3.4	NUM
fsr-4050	231	20	out	out	ADP
fsr-4050	231	21	of	of	ADP
fsr-4050	231	22	7	7	NUM
fsr-4050	231	23	)	)	PUNCT
fsr-4050	231	24	.	.	PUNCT
fsr-4050	232	1	the	the	DET
fsr-4050	232	2	average	average	ADJ
fsr-4050	232	3	objective	objective	ADJ
fsr-4050	232	4	financial	financial	ADJ
fsr-4050	232	5	knowledge	knowledge	NOUN
fsr-4050	232	6	was	be	AUX
fsr-4050	232	7	5.2	5.2	NUM
fsr-4050	232	8	out	out	ADP
fsr-4050	232	9	of	of	ADP
fsr-4050	232	10	10	10	NUM
fsr-4050	232	11	,	,	PUNCT
fsr-4050	232	12	and	and	CCONJ
fsr-4050	232	13	the	the	DET
fsr-4050	232	14	average	average	ADJ
fsr-4050	232	15	subjective	subjective	ADJ
fsr-4050	232	16	financial	financial	ADJ
fsr-4050	232	17	knowledge	knowledge	NOUN
fsr-4050	232	18	was	be	AUX
fsr-4050	232	19	5.3	5.3	NUM
fsr-4050	232	20	out	out	ADP
fsr-4050	232	21	of	of	ADP
fsr-4050	232	22	7	7	NUM
fsr-4050	232	23	.	.	PUNCT
fsr-4050	233	1	the	the	DET
fsr-4050	233	2	mean	mean	ADJ
fsr-4050	233	3	log	log	NOUN
fsr-4050	233	4	wealth	wealth	NOUN
fsr-4050	233	5	was	be	AUX
fsr-4050	233	6	5.5	5.5	NUM
fsr-4050	233	7	out	out	ADP
fsr-4050	233	8	of	of	ADP
fsr-4050	233	9	7.8	7.8	NUM
fsr-4050	233	10	with	with	ADP
fsr-4050	233	11	a	a	DET
fsr-4050	233	12	standard	standard	ADJ
fsr-4050	233	13	deviation	deviation	NOUN
fsr-4050	233	14	of	of	ADP
fsr-4050	233	15	0.2	0.2	NUM
fsr-4050	233	16	.	.	PUNCT
fsr-4050	234	1	the	the	DET
fsr-4050	234	2	mean	mean	ADJ
fsr-4050	234	3	log	log	NOUN
fsr-4050	234	4	income	income	NOUN
fsr-4050	234	5	was	be	AUX
fsr-4050	234	6	4.7	4.7	NUM
fsr-4050	234	7	out	out	ADP
fsr-4050	234	8	of	of	ADP
fsr-4050	234	9	6.3	6.3	NUM
fsr-4050	234	10	with	with	ADP
fsr-4050	234	11	a	a	DET
fsr-4050	234	12	standard	standard	ADJ
fsr-4050	234	13	deviation	deviation	NOUN
fsr-4050	234	14	of	of	ADP
fsr-4050	234	15	0.3	0.3	NUM
fsr-4050	234	16	.	.	PUNCT
fsr-4050	235	1	the	the	DET
fsr-4050	235	2	average	average	ADJ
fsr-4050	235	3	age	age	NOUN
fsr-4050	235	4	of	of	ADP
fsr-4050	235	5	the	the	DET
fsr-4050	235	6	respondents	respondent	NOUN
fsr-4050	235	7	was	be	AUX
fsr-4050	235	8	37	37	NUM
fsr-4050	235	9	years	year	NOUN
fsr-4050	235	10	old	old	ADJ
fsr-4050	235	11	.	.	PUNCT
fsr-4050	236	1	the	the	DET
fsr-4050	236	2	majority	majority	NOUN
fsr-4050	236	3	were	be	AUX
fsr-4050	236	4	bank	bank	PROPN
fsr-4050	236	5	account	account	NOUN
fsr-4050	236	6	holders	holder	NOUN
fsr-4050	236	7	(	(	PUNCT
fsr-4050	236	8	98	98	NUM
fsr-4050	236	9	%	%	NOUN
fsr-4050	236	10	)	)	PUNCT
fsr-4050	236	11	,	,	PUNCT
fsr-4050	236	12	men	man	NOUN
fsr-4050	236	13	(	(	PUNCT
fsr-4050	236	14	66	66	NUM
fsr-4050	236	15	%	%	NOUN
fsr-4050	236	16	)	)	PUNCT
fsr-4050	236	17	,	,	PUNCT
fsr-4050	236	18	white	white	X
fsr-4050	236	19	(	(	PUNCT
fsr-4050	236	20	70	70	NUM
fsr-4050	236	21	%	%	NOUN
fsr-4050	236	22	)	)	PUNCT
fsr-4050	236	23	,	,	PUNCT
fsr-4050	236	24	holding	hold	VERB
fsr-4050	236	25	a	a	DET
fsr-4050	236	26	bachelor	bachelor	NOUN
fsr-4050	236	27	's	's	PART
fsr-4050	236	28	degree	degree	NOUN
fsr-4050	236	29	(	(	PUNCT
fsr-4050	236	30	62	62	NUM
fsr-4050	236	31	%	%	NOUN
fsr-4050	236	32	)	)	PUNCT
fsr-4050	236	33	,	,	PUNCT
fsr-4050	236	34	married	marry	VERB
fsr-4050	236	35	(	(	PUNCT
fsr-4050	236	36	67	67	NUM
fsr-4050	236	37	%	%	NOUN
fsr-4050	236	38	)	)	PUNCT
fsr-4050	236	39	,	,	PUNCT
fsr-4050	236	40	full	full	ADJ
fsr-4050	236	41	-	-	PUNCT
fsr-4050	236	42	time	time	NOUN
fsr-4050	236	43	employed	employ	VERB
fsr-4050	236	44	(	(	PUNCT
fsr-4050	236	45	90	90	NUM
fsr-4050	236	46	%	%	NOUN
fsr-4050	236	47	)	)	PUNCT
fsr-4050	236	48	,	,	PUNCT
fsr-4050	236	49	and	and	CCONJ
fsr-4050	236	50	having	have	VERB
fsr-4050	236	51	one	one	NUM
fsr-4050	236	52	child	child	NOUN
fsr-4050	236	53	or	or	CCONJ
fsr-4050	236	54	two	two	NUM
fsr-4050	236	55	(	(	PUNCT
fsr-4050	236	56	58	58	NUM
fsr-4050	236	57	%	%	NOUN
fsr-4050	236	58	)	)	PUNCT
fsr-4050	236	59	.	.	PUNCT
fsr-4050	237	1	financial	financial	ADJ
fsr-4050	237	2	services	service	NOUN
fsr-4050	237	3	review	review	NOUN
fsr-4050	237	4	,	,	PUNCT
fsr-4050	237	5	33(3	33(3	NOUN
fsr-4050	237	6	)	)	PUNCT
fsr-4050	237	7	30	30	NUM
fsr-4050	237	8	table	table	NOUN
fsr-4050	237	9	1	1	NUM
fsr-4050	237	10	.	.	PUNCT
fsr-4050	238	1	sample	sample	NOUN
fsr-4050	238	2	characteristics	characteristic	NOUN
fsr-4050	238	3	of	of	ADP
fsr-4050	238	4	continuous	continuous	ADJ
fsr-4050	238	5	variables	variable	NOUN
fsr-4050	238	6	variables	variable	NOUN
fsr-4050	238	7	mean	mean	VERB
fsr-4050	238	8	(	(	PUNCT
fsr-4050	238	9	sd	sd	NOUN
fsr-4050	238	10	)	)	PUNCT
fsr-4050	238	11	attitudes	attitude	NOUN
fsr-4050	238	12	toward	toward	ADP
fsr-4050	238	13	adequate	adequate	ADJ
fsr-4050	238	14	emergency	emergency	NOUN
fsr-4050	238	15	fund	fund	NOUN
fsr-4050	238	16	savings	saving	NOUN
fsr-4050	238	17	at1	at1	PROPN
fsr-4050	238	18	:	:	PUNCT
fsr-4050	238	19	bad	bad	ADJ
fsr-4050	238	20	to	to	ADP
fsr-4050	238	21	good	good	ADJ
fsr-4050	238	22	(	(	PUNCT
fsr-4050	238	23	1	1	NUM
fsr-4050	238	24	-	-	SYM
fsr-4050	238	25	7	7	NUM
fsr-4050	238	26	)	)	PUNCT
fsr-4050	238	27	5.902	5.902	NUM
fsr-4050	238	28	(	(	PUNCT
fsr-4050	238	29	1.307	1.307	NUM
fsr-4050	238	30	)	)	PUNCT
fsr-4050	238	31	at2	at2	PROPN
fsr-4050	238	32	:	:	PUNCT
fsr-4050	239	1	unpleasant	unpleasant	ADJ
fsr-4050	239	2	to	to	PART
fsr-4050	239	3	pleasant	pleasant	VERB
fsr-4050	239	4	(	(	PUNCT
fsr-4050	239	5	1	1	NUM
fsr-4050	239	6	-	-	SYM
fsr-4050	239	7	7	7	NUM
fsr-4050	239	8	)	)	PUNCT
fsr-4050	239	9	5.907	5.907	NUM
fsr-4050	239	10	(	(	PUNCT
fsr-4050	239	11	1.232	1.232	NUM
fsr-4050	239	12	)	)	PUNCT
fsr-4050	239	13	at3	at3	NOUN
fsr-4050	239	14	:	:	PUNCT
fsr-4050	239	15	harmful	harmful	ADJ
fsr-4050	239	16	to	to	PART
fsr-4050	239	17	beneficial	beneficial	ADJ
fsr-4050	239	18	(	(	PUNCT
fsr-4050	239	19	1	1	NUM
fsr-4050	239	20	-	-	SYM
fsr-4050	239	21	7	7	NUM
fsr-4050	239	22	)	)	PUNCT
fsr-4050	239	23	6.158	6.158	NUM
fsr-4050	239	24	(	(	PUNCT
fsr-4050	239	25	1.091	1.091	NUM
fsr-4050	239	26	)	)	PUNCT
fsr-4050	239	27	subjective	subjective	ADJ
fsr-4050	239	28	norms	norm	NOUN
fsr-4050	239	29	sn1	sn1	PROPN
fsr-4050	239	30	:	:	PUNCT
fsr-4050	239	31	family	family	NOUN
fsr-4050	239	32	's	's	PART
fsr-4050	239	33	impact	impact	NOUN
fsr-4050	239	34	(	(	PUNCT
fsr-4050	239	35	1	1	NUM
fsr-4050	239	36	-	-	SYM
fsr-4050	239	37	7	7	NUM
fsr-4050	239	38	)	)	PUNCT
fsr-4050	239	39	5.951	5.951	NUM
fsr-4050	239	40	(	(	PUNCT
fsr-4050	239	41	1.078	1.078	NUM
fsr-4050	239	42	)	)	PUNCT
fsr-4050	239	43	sn2	sn2	PROPN
fsr-4050	239	44	:	:	PUNCT
fsr-4050	239	45	friend	friend	NOUN
fsr-4050	239	46	's	's	PART
fsr-4050	239	47	impact	impact	NOUN
fsr-4050	239	48	(	(	PUNCT
fsr-4050	239	49	1	1	NUM
fsr-4050	239	50	-	-	SYM
fsr-4050	239	51	7	7	NUM
fsr-4050	239	52	)	)	PUNCT
fsr-4050	239	53	5.715	5.715	NUM
fsr-4050	239	54	(	(	PUNCT
fsr-4050	239	55	1.156	1.156	NUM
fsr-4050	239	56	)	)	PUNCT
fsr-4050	239	57	perceived	perceive	VERB
fsr-4050	239	58	behavioral	behavioral	ADJ
fsr-4050	239	59	control	control	NOUN
fsr-4050	239	60	pc1	pc1	PROPN
fsr-4050	239	61	:	:	PUNCT
fsr-4050	239	62	self	self	NOUN
fsr-4050	239	63	-	-	PUNCT
fsr-4050	239	64	confidence	confidence	NOUN
fsr-4050	239	65	(	(	PUNCT
fsr-4050	239	66	1	1	NUM
fsr-4050	239	67	-	-	SYM
fsr-4050	239	68	7	7	NUM
fsr-4050	239	69	)	)	PUNCT
fsr-4050	239	70	5.344	5.344	NUM
fsr-4050	239	71	(	(	PUNCT
fsr-4050	239	72	1.664	1.664	NUM
fsr-4050	239	73	)	)	PUNCT
fsr-4050	239	74	pc2	pc2	NOUN
fsr-4050	239	75	:	:	PUNCT
fsr-4050	239	76	emergency	emergency	NOUN
fsr-4050	239	77	fund	fund	NOUN
fsr-4050	239	78	savings	saving	NOUN
fsr-4050	239	79	control	control	NOUN
fsr-4050	239	80	(	(	PUNCT
fsr-4050	239	81	17	17	NUM
fsr-4050	239	82	)	)	PUNCT
fsr-4050	239	83	5.409	5.409	NUM
fsr-4050	239	84	(	(	PUNCT
fsr-4050	239	85	1.486	1.486	NUM
fsr-4050	239	86	)	)	PUNCT
fsr-4050	239	87	intention	intention	NOUN
fsr-4050	239	88	to	to	PART
fsr-4050	239	89	use	use	VERB
fsr-4050	239	90	fintech	fintech	NOUN
fsr-4050	239	91	to	to	PART
fsr-4050	239	92	save	save	VERB
fsr-4050	239	93	(	(	PUNCT
fsr-4050	239	94	1	1	NUM
fsr-4050	239	95	-	-	SYM
fsr-4050	239	96	7	7	NUM
fsr-4050	239	97	)	)	PUNCT
fsr-4050	239	98	5.000	5.000	NUM
fsr-4050	239	99	(	(	PUNCT
fsr-4050	239	100	1.801	1.801	NUM
fsr-4050	239	101	)	)	PUNCT
fsr-4050	239	102	actual	actual	ADJ
fsr-4050	239	103	fintech	fintech	NOUN
fsr-4050	239	104	use	use	NOUN
fsr-4050	239	105	saving	save	VERB
fsr-4050	239	106	app	app	NOUN
fsr-4050	239	107	use	use	NOUN
fsr-4050	239	108	(	(	PUNCT
fsr-4050	239	109	1	1	NUM
fsr-4050	239	110	-	-	SYM
fsr-4050	239	111	7	7	NUM
fsr-4050	239	112	)	)	PUNCT
fsr-4050	239	113	3.254	3.254	NUM
fsr-4050	239	114	(	(	PUNCT
fsr-4050	239	115	1.908	1.908	NUM
fsr-4050	239	116	)	)	PUNCT
fsr-4050	239	117	saving	save	VERB
fsr-4050	239	118	website	website	NOUN
fsr-4050	239	119	use	use	NOUN
fsr-4050	239	120	(	(	PUNCT
fsr-4050	239	121	1	1	NUM
fsr-4050	239	122	-	-	SYM
fsr-4050	239	123	7	7	NUM
fsr-4050	239	124	)	)	PUNCT
fsr-4050	239	125	3.372	3.372	NUM
fsr-4050	239	126	(	(	PUNCT
fsr-4050	239	127	1.861	1.861	NUM
fsr-4050	239	128	)	)	PUNCT
fsr-4050	239	129	objective	objective	ADJ
fsr-4050	239	130	financial	financial	ADJ
fsr-4050	239	131	knowledge	knowledge	NOUN
fsr-4050	239	132	(	(	PUNCT
fsr-4050	239	133	0	0	NUM
fsr-4050	239	134	-	-	SYM
fsr-4050	239	135	10	10	NUM
fsr-4050	239	136	)	)	PUNCT
fsr-4050	239	137	5.236	5.236	NUM
fsr-4050	239	138	(	(	PUNCT
fsr-4050	239	139	2.493	2.493	NUM
fsr-4050	239	140	)	)	PUNCT
fsr-4050	239	141	subjective	subjective	ADJ
fsr-4050	239	142	financial	financial	ADJ
fsr-4050	239	143	knowledge	knowledge	NOUN
fsr-4050	239	144	(	(	PUNCT
fsr-4050	239	145	1	1	NUM
fsr-4050	239	146	-	-	SYM
fsr-4050	239	147	7	7	NUM
fsr-4050	239	148	)	)	PUNCT
fsr-4050	239	149	5.260	5.260	NUM
fsr-4050	239	150	(	(	PUNCT
fsr-4050	239	151	1.346	1.346	NUM
fsr-4050	239	152	)	)	PUNCT
fsr-4050	239	153	log	log	NOUN
fsr-4050	239	154	wealth	wealth	NOUN
fsr-4050	239	155	(	(	PUNCT
fsr-4050	239	156	4.819	4.819	NUM
fsr-4050	239	157	–	–	PUNCT
fsr-4050	239	158	7.780	7.780	NUM
fsr-4050	239	159	)	)	PUNCT
fsr-4050	239	160	5.530	5.530	NUM
fsr-4050	239	161	(	(	PUNCT
fsr-4050	239	162	0.230	0.230	NUM
fsr-4050	239	163	)	)	PUNCT
fsr-4050	239	164	log	log	NOUN
fsr-4050	239	165	income	income	NOUN
fsr-4050	239	166	(	(	PUNCT
fsr-4050	239	167	3.146	3.146	NUM
fsr-4050	239	168	–	–	PUNCT
fsr-4050	239	169	6.301	6.301	NUM
fsr-4050	239	170	)	)	PUNCT
fsr-4050	239	171	4.721	4.721	NUM
fsr-4050	239	172	(	(	PUNCT
fsr-4050	239	173	0.311	0.311	NUM
fsr-4050	239	174	)	)	PUNCT
fsr-4050	239	175	age	age	NOUN
fsr-4050	239	176	(	(	PUNCT
fsr-4050	239	177	21	21	NUM
fsr-4050	239	178	–	–	SYM
fsr-4050	239	179	71	71	NUM
fsr-4050	239	180	)	)	PUNCT
fsr-4050	239	181	36.815	36.815	NUM
fsr-4050	239	182	(	(	PUNCT
fsr-4050	239	183	9.412	9.412	NUM
fsr-4050	239	184	)	)	PUNCT
fsr-4050	239	185	source	source	NOUN
fsr-4050	239	186	:	:	PUNCT
fsr-4050	239	187	primary	primary	ADJ
fsr-4050	239	188	data	datum	NOUN
fsr-4050	239	189	collected	collect	VERB
fsr-4050	239	190	through	through	ADP
fsr-4050	239	191	mturk	mturk	PROPN
fsr-4050	239	192	in	in	ADP
fsr-4050	239	193	july	july	PROPN
fsr-4050	239	194	2021	2021	NUM
fsr-4050	239	195	.	.	PUNCT
fsr-4050	240	1	n	n	NOUN
fsr-4050	241	1	=	=	SYM
fsr-4050	241	2	453	453	NUM
fsr-4050	241	3	chen	chen	PROPN
fsr-4050	241	4	et	et	PROPN
fsr-4050	241	5	al	al	PROPN
fsr-4050	241	6	.	.	PROPN
fsr-4050	241	7	31	31	NUM
fsr-4050	241	8	table	table	NOUN
fsr-4050	241	9	2	2	NUM
fsr-4050	241	10	.	.	PUNCT
fsr-4050	241	11	sample	sample	NOUN
fsr-4050	241	12	characteristics	characteristic	NOUN
fsr-4050	241	13	of	of	ADP
fsr-4050	241	14	categorical	categorical	ADJ
fsr-4050	241	15	variables	variable	NOUN
fsr-4050	241	16	variables	variable	NOUN
fsr-4050	241	17	n	n	CCONJ
fsr-4050	241	18	(	(	PUNCT
fsr-4050	241	19	percent	percent	NOUN
fsr-4050	241	20	)	)	PUNCT
fsr-4050	241	21	adequate	adequate	ADJ
fsr-4050	241	22	emergency	emergency	NOUN
fsr-4050	241	23	fund	fund	NOUN
fsr-4050	241	24	savings	saving	NOUN
fsr-4050	241	25	175	175	NUM
fsr-4050	241	26	(	(	PUNCT
fsr-4050	241	27	38.63	38.63	NUM
fsr-4050	241	28	%	%	NOUN
fsr-4050	241	29	)	)	PUNCT
fsr-4050	241	30	bank	bank	NOUN
fsr-4050	241	31	account	account	NOUN
fsr-4050	241	32	holders	holder	NOUN
fsr-4050	241	33	446	446	NUM
fsr-4050	241	34	(	(	PUNCT
fsr-4050	241	35	98.45	98.45	NUM
fsr-4050	241	36	%	%	NOUN
fsr-4050	241	37	)	)	PUNCT
fsr-4050	241	38	gender	gender	NOUN
fsr-4050	241	39	female	female	NOUN
fsr-4050	241	40	156	156	NUM
fsr-4050	241	41	(	(	PUNCT
fsr-4050	241	42	34.44	34.44	NUM
fsr-4050	241	43	%	%	NOUN
fsr-4050	241	44	)	)	PUNCT
fsr-4050	241	45	male	male	NOUN
fsr-4050	241	46	297	297	NUM
fsr-4050	241	47	(	(	PUNCT
fsr-4050	241	48	65.56	65.56	NUM
fsr-4050	241	49	%	%	NOUN
fsr-4050	241	50	)	)	PUNCT
fsr-4050	241	51	race	race	NOUN
fsr-4050	241	52	white	white	ADJ
fsr-4050	241	53	318	318	NUM
fsr-4050	241	54	(	(	PUNCT
fsr-4050	241	55	70.20	70.20	NUM
fsr-4050	241	56	%	%	NOUN
fsr-4050	241	57	)	)	PUNCT
fsr-4050	241	58	non	non	ADJ
fsr-4050	241	59	-	-	ADJ
fsr-4050	241	60	white	white	ADJ
fsr-4050	241	61	135	135	NUM
fsr-4050	241	62	(	(	PUNCT
fsr-4050	241	63	29.80	29.80	NUM
fsr-4050	241	64	%	%	NOUN
fsr-4050	241	65	)	)	PUNCT
fsr-4050	241	66	educational	educational	ADJ
fsr-4050	241	67	attainment	attainment	ADJ
fsr-4050	241	68	high	high	ADJ
fsr-4050	241	69	school	school	NOUN
fsr-4050	241	70	graduate	graduate	NOUN
fsr-4050	241	71	or	or	CCONJ
fsr-4050	241	72	less	less	ADJ
fsr-4050	241	73	35	35	NUM
fsr-4050	241	74	(	(	PUNCT
fsr-4050	241	75	7.73	7.73	NUM
fsr-4050	241	76	%	%	NOUN
fsr-4050	241	77	)	)	PUNCT
fsr-4050	241	78	some	some	DET
fsr-4050	241	79	colleges	college	NOUN
fsr-4050	241	80	,	,	PUNCT
fsr-4050	241	81	no	no	DET
fsr-4050	241	82	degree	degree	NOUN
fsr-4050	241	83	52	52	NUM
fsr-4050	241	84	(	(	PUNCT
fsr-4050	241	85	11.48	11.48	NUM
fsr-4050	241	86	%	%	NOUN
fsr-4050	241	87	)	)	PUNCT
fsr-4050	241	88	bachelor	bachelor	NOUN
fsr-4050	241	89	’s	’s	PART
fsr-4050	241	90	degree	degree	NOUN
fsr-4050	241	91	279	279	NUM
fsr-4050	241	92	(	(	PUNCT
fsr-4050	241	93	61.59	61.59	NUM
fsr-4050	241	94	%	%	NOUN
fsr-4050	241	95	)	)	PUNCT
fsr-4050	241	96	graduate	graduate	NOUN
fsr-4050	241	97	degree	degree	NOUN
fsr-4050	241	98	or	or	CCONJ
fsr-4050	241	99	higher	high	ADJ
fsr-4050	241	100	87	87	NUM
fsr-4050	241	101	(	(	PUNCT
fsr-4050	241	102	19.21	19.21	NUM
fsr-4050	241	103	%	%	NOUN
fsr-4050	241	104	)	)	PUNCT
fsr-4050	241	105	marital	marital	ADJ
fsr-4050	241	106	status	status	NOUN
fsr-4050	241	107	married	marry	VERB
fsr-4050	241	108	305	305	NUM
fsr-4050	241	109	(	(	PUNCT
fsr-4050	241	110	67.33	67.33	NUM
fsr-4050	241	111	%	%	NOUN
fsr-4050	241	112	)	)	PUNCT
fsr-4050	241	113	non	non	ADJ
fsr-4050	241	114	-	-	ADJ
fsr-4050	241	115	married	married	ADJ
fsr-4050	241	116	148	148	NUM
fsr-4050	241	117	(	(	PUNCT
fsr-4050	241	118	32.67	32.67	NUM
fsr-4050	241	119	%	%	NOUN
fsr-4050	241	120	)	)	PUNCT
fsr-4050	241	121	employment	employment	NOUN
fsr-4050	241	122	full	full	ADJ
fsr-4050	241	123	-	-	PUNCT
fsr-4050	241	124	time	time	NOUN
fsr-4050	241	125	employed	employ	VERB
fsr-4050	241	126	408	408	NUM
fsr-4050	241	127	(	(	PUNCT
fsr-4050	241	128	90.07	90.07	NUM
fsr-4050	241	129	%	%	NOUN
fsr-4050	241	130	)	)	PUNCT
fsr-4050	241	131	others	other	NOUN
fsr-4050	241	132	45	45	NUM
fsr-4050	241	133	(	(	PUNCT
fsr-4050	241	134	9.93	9.93	NUM
fsr-4050	241	135	%	%	NOUN
fsr-4050	241	136	)	)	PUNCT
fsr-4050	241	137	children	child	NOUN
fsr-4050	241	138	zero	zero	NUM
fsr-4050	241	139	169	169	NUM
fsr-4050	241	140	(	(	PUNCT
fsr-4050	241	141	37.31	37.31	NUM
fsr-4050	241	142	%	%	NOUN
fsr-4050	241	143	)	)	PUNCT
fsr-4050	241	144	one	one	NUM
fsr-4050	241	145	149	149	NUM
fsr-4050	241	146	(	(	PUNCT
fsr-4050	241	147	32.89	32.89	NUM
fsr-4050	241	148	%	%	NOUN
fsr-4050	241	149	)	)	PUNCT
fsr-4050	241	150	two	two	NUM
fsr-4050	241	151	114	114	NUM
fsr-4050	241	152	(	(	PUNCT
fsr-4050	241	153	25.17	25.17	NUM
fsr-4050	241	154	%	%	NOUN
fsr-4050	241	155	)	)	PUNCT
fsr-4050	241	156	three	three	NUM
fsr-4050	241	157	and	and	CCONJ
fsr-4050	241	158	more	more	ADJ
fsr-4050	241	159	21	21	NUM
fsr-4050	241	160	(	(	PUNCT
fsr-4050	241	161	4.64	4.64	NUM
fsr-4050	241	162	%	%	NOUN
fsr-4050	241	163	)	)	PUNCT
fsr-4050	241	164	source	source	NOUN
fsr-4050	241	165	:	:	PUNCT
fsr-4050	241	166	primary	primary	ADJ
fsr-4050	241	167	data	datum	NOUN
fsr-4050	241	168	collected	collect	VERB
fsr-4050	241	169	through	through	ADP
fsr-4050	241	170	mturk	mturk	PROPN
fsr-4050	241	171	in	in	ADP
fsr-4050	241	172	july	july	PROPN
fsr-4050	241	173	2021	2021	NUM
fsr-4050	241	174	.	.	PUNCT
fsr-4050	242	1	n	n	NOUN
fsr-4050	242	2	=	=	SYM
fsr-4050	242	3	453	453	NUM
fsr-4050	242	4	financial	financial	ADJ
fsr-4050	242	5	services	service	NOUN
fsr-4050	242	6	review	review	NOUN
fsr-4050	242	7	,	,	PUNCT
fsr-4050	242	8	33(3	33(3	NOUN
fsr-4050	242	9	)	)	PUNCT
fsr-4050	242	10	32	32	NUM
fsr-4050	242	11	table	table	NOUN
fsr-4050	242	12	3	3	NUM
fsr-4050	242	13	displays	display	VERB
fsr-4050	242	14	the	the	DET
fsr-4050	242	15	reliability	reliability	NOUN
fsr-4050	242	16	and	and	CCONJ
fsr-4050	242	17	correlation	correlation	NOUN
fsr-4050	242	18	results	result	NOUN
fsr-4050	242	19	of	of	ADP
fsr-4050	242	20	variables	variable	NOUN
fsr-4050	242	21	.	.	PUNCT
fsr-4050	243	1	the	the	DET
fsr-4050	243	2	measures	measure	NOUN
fsr-4050	243	3	of	of	ADP
fsr-4050	243	4	attitude	attitude	NOUN
fsr-4050	243	5	,	,	PUNCT
fsr-4050	243	6	subjective	subjective	ADJ
fsr-4050	243	7	norms	norm	NOUN
fsr-4050	243	8	,	,	PUNCT
fsr-4050	243	9	and	and	CCONJ
fsr-4050	243	10	perceived	perceive	VERB
fsr-4050	243	11	control	control	NOUN
fsr-4050	243	12	were	be	AUX
fsr-4050	243	13	internally	internally	ADV
fsr-4050	243	14	reliable	reliable	ADJ
fsr-4050	243	15	because	because	SCONJ
fsr-4050	243	16	all	all	DET
fsr-4050	243	17	the	the	DET
fsr-4050	243	18	values	value	NOUN
fsr-4050	243	19	of	of	ADP
fsr-4050	243	20	composite	composite	ADJ
fsr-4050	243	21	reliability	reliability	NOUN
fsr-4050	243	22	exceeded	exceed	VERB
fsr-4050	243	23	the	the	DET
fsr-4050	243	24	0.70	0.70	NUM
fsr-4050	243	25	threshold	threshold	NOUN
fsr-4050	243	26	(	(	PUNCT
fsr-4050	243	27	nunnally	nunnally	PROPN
fsr-4050	243	28	&	&	CCONJ
fsr-4050	243	29	bernstein	bernstein	PROPN
fsr-4050	243	30	,	,	PUNCT
fsr-4050	243	31	1994	1994	NUM
fsr-4050	243	32	)	)	PUNCT
fsr-4050	243	33	.	.	PUNCT
fsr-4050	244	1	table	table	NOUN
fsr-4050	244	2	3	3	NUM
fsr-4050	244	3	.	.	PUNCT
fsr-4050	244	4	reliability	reliability	NOUN
fsr-4050	244	5	and	and	CCONJ
fsr-4050	244	6	correlation	correlation	NOUN
fsr-4050	244	7	matrix	matrix	NOUN
fsr-4050	244	8	1	1	NUM
fsr-4050	244	9	2	2	NUM
fsr-4050	244	10	3	3	NUM
fsr-4050	244	11	4	4	NUM
fsr-4050	244	12	5	5	NUM
fsr-4050	244	13	6	6	NUM
fsr-4050	244	14	7	7	NUM
fsr-4050	244	15	8	8	NUM
fsr-4050	244	16	9	9	NUM
fsr-4050	244	17	10	10	NUM
fsr-4050	244	18	11	11	NUM
fsr-4050	244	19	12	12	NUM
fsr-4050	244	20	13	13	NUM
fsr-4050	244	21	14	14	NUM
fsr-4050	244	22	15	15	NUM
fsr-4050	244	23	16	16	NUM
fsr-4050	244	24	17	17	NUM
fsr-4050	244	25	18	18	NUM
fsr-4050	244	26	c.r	c.r	NOUN
fsr-4050	244	27	.	.	PROPN
fsr-4050	244	28	1	1	NUM
fsr-4050	244	29	1.00	1.00	NUM
fsr-4050	244	30	2	2	NUM
fsr-4050	244	31	0.20	0.20	NUM
fsr-4050	244	32	1.00	1.00	NUM
fsr-4050	244	33	3	3	NUM
fsr-4050	244	34	0.04	0.04	NUM
fsr-4050	244	35	-0.05	-0.05	NUM
fsr-4050	244	36	1.00	1.00	NUM
fsr-4050	244	37	4	4	NUM
fsr-4050	244	38	0.03	0.03	NUM
fsr-4050	244	39	-0.01	-0.01	NUM
fsr-4050	244	40	-0.10	-0.10	NUM
fsr-4050	244	41	*	*	PROPN
fsr-4050	244	42	1.00	1.00	NUM
fsr-4050	244	43	5	5	NUM
fsr-4050	244	44	0.17	0.17	NUM
fsr-4050	244	45	*	*	PUNCT
fsr-4050	244	46	*	*	PUNCT
fsr-4050	244	47	*	*	PUNCT
fsr-4050	244	48	0.03	0.03	NUM
fsr-4050	244	49	0.08	0.08	NUM
fsr-4050	244	50	-0.11	-0.11	NOUN
fsr-4050	244	51	*	*	NUM
fsr-4050	244	52	1.00	1.00	NUM
fsr-4050	244	53	6	6	NUM
fsr-4050	244	54	-0.21	-0.21	NOUN
fsr-4050	244	55	*	*	PUNCT
fsr-4050	244	56	*	*	PUNCT
fsr-4050	244	57	*	*	PUNCT
fsr-4050	244	58	0.05	0.05	NUM
fsr-4050	244	59	0.11	0.11	NUM
fsr-4050	244	60	*	*	X
fsr-4050	244	61	0.10	0.10	NUM
fsr-4050	244	62	*	*	NOUN
fsr-4050	244	63	-0.33	-0.33	NOUN
fsr-4050	244	64	*	*	PUNCT
fsr-4050	244	65	*	*	PUNCT
fsr-4050	244	66	*	*	PROPN
fsr-4050	244	67	1.00	1.00	NUM
fsr-4050	244	68	7	7	NUM
fsr-4050	244	69	-0.09	-0.09	NUM
fsr-4050	244	70	*	*	NUM
fsr-4050	244	71	0.04	0.04	NUM
fsr-4050	244	72	-0.15	-0.15	NUM
fsr-4050	244	73	*	*	PROPN
fsr-4050	244	74	*	*	PROPN
fsr-4050	244	75	-0.01	-0.01	NUM
fsr-4050	244	76	-0.17	-0.17	NOUN
fsr-4050	244	77	*	*	PUNCT
fsr-4050	244	78	*	*	NOUN
fsr-4050	244	79	*	*	NOUN
fsr-4050	244	80	0.19	0.19	NUM
fsr-4050	244	81	*	*	PUNCT
fsr-4050	244	82	*	*	PUNCT
fsr-4050	244	83	*	*	PUNCT
fsr-4050	244	84	1.00	1.00	NUM
fsr-4050	244	85	8	8	NUM
fsr-4050	244	86	0.13	0.13	NUM
fsr-4050	244	87	*	*	PUNCT
fsr-4050	244	88	*	*	NOUN
fsr-4050	244	89	0.06	0.06	NUM
fsr-4050	244	90	0.01	0.01	NUM
fsr-4050	244	91	-0.14	-0.14	NOUN
fsr-4050	244	92	*	*	PUNCT
fsr-4050	244	93	*	*	PUNCT
fsr-4050	244	94	0.14	0.14	NUM
fsr-4050	244	95	*	*	PUNCT
fsr-4050	244	96	*	*	NOUN
fsr-4050	244	97	-0.49	-0.49	ADP
fsr-4050	244	98	*	*	NOUN
fsr-4050	244	99	*	*	PUNCT
fsr-4050	244	100	*	*	PUNCT
fsr-4050	244	101	-0.25	-0.25	NUM
fsr-4050	244	102	*	*	PUNCT
fsr-4050	244	103	*	*	PUNCT
fsr-4050	244	104	*	*	PUNCT
fsr-4050	244	105	1.00	1.00	NUM
fsr-4050	244	106	9	9	NUM
fsr-4050	244	107	0.06	0.06	NUM
fsr-4050	244	108	0.08	0.08	NUM
fsr-4050	244	109	-0.21	-0.21	NOUN
fsr-4050	244	110	*	*	PUNCT
fsr-4050	244	111	*	*	NOUN
fsr-4050	244	112	*	*	PUNCT
fsr-4050	244	113	0.01	0.01	NUM
fsr-4050	244	114	0.03	0.03	NUM
fsr-4050	244	115	-0.05	-0.05	NUM
fsr-4050	244	116	0.13	0.13	NUM
fsr-4050	244	117	*	*	PUNCT
fsr-4050	244	118	*	*	PUNCT
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fsr-4050	244	123	*	*	PUNCT
fsr-4050	244	124	*	*	PUNCT
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fsr-4050	245	4	0.00	0.00	NUM
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fsr-4050	245	6	*	*	PUNCT
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fsr-4050	245	10	*	*	NOUN
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fsr-4050	245	20	0.02	0.02	NUM
fsr-4050	245	21	0.06	0.06	NUM
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fsr-4050	245	23	*	*	PUNCT
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fsr-4050	245	31	0.20	0.20	NUM
fsr-4050	245	32	*	*	PUNCT
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fsr-4050	245	41	*	*	PUNCT
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fsr-4050	245	43	*	*	PUNCT
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fsr-4050	245	46	-0.20	-0.20	NUM
fsr-4050	245	47	*	*	PUNCT
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fsr-4050	245	49	*	*	PUNCT
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fsr-4050	246	6	*	*	PUNCT
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fsr-4050	246	14	*	*	PUNCT
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fsr-4050	246	18	0.07	0.07	NUM
fsr-4050	246	19	1.00	1.00	NUM
fsr-4050	246	20	13	13	NUM
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fsr-4050	246	22	*	*	PUNCT
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fsr-4050	246	25	0.16	0.16	NUM
fsr-4050	246	26	*	*	PUNCT
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fsr-4050	246	28	0.02	0.02	NUM
fsr-4050	246	29	0.19	0.19	NUM
fsr-4050	246	30	*	*	PUNCT
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fsr-4050	246	32	*	*	PUNCT
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fsr-4050	246	34	*	*	PUNCT
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fsr-4050	246	42	*	*	PUNCT
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fsr-4050	246	44	*	*	PUNCT
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fsr-4050	246	46	0.15	0.15	NUM
fsr-4050	246	47	*	*	PUNCT
fsr-4050	246	48	*	*	X
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fsr-4050	246	50	-0.22	-0.22	NUM
fsr-4050	246	51	*	*	NOUN
fsr-4050	246	52	*	*	PUNCT
fsr-4050	246	53	*	*	PROPN
fsr-4050	246	54	1.00	1.00	NUM
fsr-4050	246	55	14	14	NUM
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fsr-4050	246	57	*	*	PUNCT
fsr-4050	246	58	*	*	PUNCT
fsr-4050	246	59	0.02	0.02	NUM
fsr-4050	246	60	0.12	0.12	NUM
fsr-4050	246	61	*	*	PUNCT
fsr-4050	246	62	*	*	NOUN
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fsr-4050	246	64	*	*	PROPN
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fsr-4050	246	66	*	*	PUNCT
fsr-4050	246	67	*	*	PUNCT
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fsr-4050	246	70	*	*	PROPN
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fsr-4050	246	72	*	*	NOUN
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fsr-4050	246	74	*	*	PUNCT
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fsr-4050	246	76	*	*	PUNCT
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fsr-4050	247	2	*	*	PUNCT
fsr-4050	247	3	*	*	PUNCT
fsr-4050	247	4	*	*	PUNCT
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fsr-4050	247	6	*	*	PUNCT
fsr-4050	247	7	0.11	0.11	NUM
fsr-4050	247	8	*	*	NUM
fsr-4050	247	9	0.10	0.10	NUM
fsr-4050	247	10	*	*	NOUN
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fsr-4050	247	12	*	*	PUNCT
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fsr-4050	247	14	*	*	PUNCT
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fsr-4050	247	16	*	*	PUNCT
fsr-4050	247	17	*	*	PUNCT
fsr-4050	247	18	*	*	PUNCT
fsr-4050	247	19	1.00	1.00	NUM
fsr-4050	247	20	15	15	NUM
fsr-4050	247	21	0.24	0.24	NUM
fsr-4050	247	22	*	*	PUNCT
fsr-4050	247	23	*	*	PUNCT
fsr-4050	247	24	*	*	PUNCT
fsr-4050	247	25	0.12	0.12	NUM
fsr-4050	247	26	*	*	PUNCT
fsr-4050	247	27	*	*	PUNCT
fsr-4050	247	28	0.04	0.04	NUM
fsr-4050	247	29	-0.08	-0.08	NUM
fsr-4050	247	30	0.19	0.19	NUM
fsr-4050	247	31	*	*	PUNCT
fsr-4050	247	32	*	*	PUNCT
fsr-4050	247	33	*	*	NOUN
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fsr-4050	247	35	*	*	PUNCT
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fsr-4050	247	37	*	*	PUNCT
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fsr-4050	247	39	*	*	PUNCT
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fsr-4050	247	41	*	*	PUNCT
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fsr-4050	247	43	*	*	PUNCT
fsr-4050	247	44	*	*	PUNCT
fsr-4050	247	45	*	*	PUNCT
fsr-4050	247	46	0.01	0.01	NUM
fsr-4050	247	47	0.13	0.13	NUM
fsr-4050	247	48	*	*	PUNCT
fsr-4050	247	49	*	*	PUNCT
fsr-4050	247	50	-0.05	-0.05	NUM
fsr-4050	247	51	-0.33	-0.33	NOUN
fsr-4050	247	52	*	*	PUNCT
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fsr-4050	247	54	*	*	PUNCT
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fsr-4050	247	56	*	*	PUNCT
fsr-4050	247	57	*	*	PUNCT
fsr-4050	247	58	*	*	PUNCT
fsr-4050	247	59	0.45	0.45	NUM
fsr-4050	247	60	*	*	PUNCT
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fsr-4050	247	64	16	16	NUM
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fsr-4050	247	66	*	*	PUNCT
fsr-4050	247	67	*	*	PUNCT
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fsr-4050	248	5	*	*	PUNCT
fsr-4050	248	6	*	*	PUNCT
fsr-4050	248	7	0.22	0.22	NUM
fsr-4050	248	8	*	*	PUNCT
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fsr-4050	248	10	*	*	NOUN
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fsr-4050	248	19	*	*	PUNCT
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fsr-4050	248	21	*	*	NOUN
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fsr-4050	248	23	0.08	0.08	NUM
fsr-4050	248	24	-0.04	-0.04	NUM
fsr-4050	248	25	-0.22	-0.22	NOUN
fsr-4050	248	26	*	*	NOUN
fsr-4050	248	27	*	*	PUNCT
fsr-4050	248	28	*	*	PUNCT
fsr-4050	248	29	0.23	0.23	NUM
fsr-4050	248	30	*	*	PUNCT
fsr-4050	248	31	*	*	PUNCT
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fsr-4050	248	34	*	*	PUNCT
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fsr-4050	248	36	*	*	PUNCT
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fsr-4050	248	38	*	*	PUNCT
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fsr-4050	248	42	17	17	NUM
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fsr-4050	248	44	0.16	0.16	NUM
fsr-4050	248	45	*	*	NOUN
fsr-4050	248	46	*	*	NOUN
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fsr-4050	248	50	*	*	PUNCT
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fsr-4050	248	54	*	*	PUNCT
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fsr-4050	248	56	*	*	PUNCT
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fsr-4050	248	58	*	*	PUNCT
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fsr-4050	248	62	*	*	PUNCT
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fsr-4050	248	68	*	*	PUNCT
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fsr-4050	248	73	-0.08	-0.08	NUM
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fsr-4050	248	75	1.00	1.00	NUM
fsr-4050	248	76	0.88	0.88	NUM
fsr-4050	248	77	18	18	NUM
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fsr-4050	248	79	0.03	0.03	NUM
fsr-4050	248	80	-0.05	-0.05	NUM
fsr-4050	248	81	-0.04	-0.04	NUM
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fsr-4050	248	83	*	*	PUNCT
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fsr-4050	248	85	*	*	PROPN
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fsr-4050	248	88	*	*	PUNCT
fsr-4050	248	89	*	*	PUNCT
fsr-4050	248	90	0.01	0.01	NUM
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fsr-4050	248	92	0.05	0.05	NUM
fsr-4050	248	93	0.07	0.07	NUM
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fsr-4050	248	95	*	*	PUNCT
fsr-4050	248	96	*	*	PUNCT
fsr-4050	248	97	*	*	PUNCT
fsr-4050	249	1	0.29	0.29	NUM
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fsr-4050	249	3	*	*	PUNCT
fsr-4050	249	4	*	*	PUNCT
fsr-4050	249	5	0.14	0.14	NUM
fsr-4050	249	6	*	*	PUNCT
fsr-4050	249	7	*	*	PUNCT
fsr-4050	249	8	0.14	0.14	NUM
fsr-4050	249	9	*	*	PUNCT
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fsr-4050	250	1	0.36	0.36	NUM
fsr-4050	250	2	*	*	PUNCT
fsr-4050	250	3	*	*	PUNCT
fsr-4050	250	4	*	*	PUNCT
fsr-4050	250	5	1.00	1.00	NUM
fsr-4050	250	6	0.87	0.87	NUM
fsr-4050	250	7	19	19	NUM
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fsr-4050	250	9	*	*	PROPN
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fsr-4050	250	14	0.20	0.20	NUM
fsr-4050	250	15	*	*	PUNCT
fsr-4050	250	16	*	*	PUNCT
fsr-4050	250	17	*	*	PUNCT
fsr-4050	250	18	-0.30	-0.30	NOUN
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fsr-4050	250	20	*	*	PUNCT
fsr-4050	250	21	*	*	PUNCT
fsr-4050	250	22	-0.19	-0.19	NOUN
fsr-4050	250	23	*	*	PUNCT
fsr-4050	250	24	*	*	PUNCT
fsr-4050	250	25	*	*	PUNCT
fsr-4050	250	26	0.22	0.22	NUM
fsr-4050	250	27	*	*	PUNCT
fsr-4050	250	28	*	*	PUNCT
fsr-4050	250	29	*	*	PUNCT
fsr-4050	250	30	0.02	0.02	NUM
fsr-4050	250	31	0.22	0.22	NUM
fsr-4050	250	32	*	*	PUNCT
fsr-4050	250	33	*	*	PUNCT
fsr-4050	250	34	*	*	PUNCT
fsr-4050	250	35	0.19	0.19	NUM
fsr-4050	250	36	*	*	PUNCT
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fsr-4050	250	39	-0.21	-0.21	PRON
fsr-4050	250	40	*	*	PUNCT
fsr-4050	250	41	*	*	PUNCT
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fsr-4050	250	43	0.54	0.54	NUM
fsr-4050	250	44	*	*	PUNCT
fsr-4050	250	45	*	*	PUNCT
fsr-4050	250	46	*	*	PUNCT
fsr-4050	251	1	0.43	0.43	NUM
fsr-4050	251	2	*	*	PUNCT
fsr-4050	251	3	*	*	PUNCT
fsr-4050	251	4	*	*	PUNCT
fsr-4050	252	1	0.24	0.24	NUM
fsr-4050	252	2	*	*	PUNCT
fsr-4050	252	3	*	*	PUNCT
fsr-4050	252	4	*	*	PUNCT
fsr-4050	253	1	0.29	0.29	NUM
fsr-4050	253	2	*	*	PUNCT
fsr-4050	253	3	*	*	PUNCT
fsr-4050	253	4	*	*	PUNCT
fsr-4050	253	5	0.06	0.06	NUM
fsr-4050	253	6	0.35	0.35	NUM
fsr-4050	253	7	*	*	PUNCT
fsr-4050	253	8	*	*	PUNCT
fsr-4050	253	9	*	*	PUNCT
fsr-4050	253	10	0.88	0.88	NUM
fsr-4050	253	11	notes	note	NOUN
fsr-4050	253	12	:	:	PUNCT
fsr-4050	253	13	1	1	NUM
fsr-4050	253	14	-	-	PUNCT
fsr-4050	253	15	adequate	adequate	ADJ
fsr-4050	253	16	emergency	emergency	NOUN
fsr-4050	253	17	fund	fund	NOUN
fsr-4050	253	18	savings	saving	NOUN
fsr-4050	253	19	;	;	PUNCT
fsr-4050	253	20	2	2	NUM
fsr-4050	253	21	-	-	PUNCT
fsr-4050	253	22	bank	bank	NOUN
fsr-4050	253	23	account	account	NOUN
fsr-4050	253	24	holders	holder	NOUN
fsr-4050	253	25	;	;	PUNCT
fsr-4050	253	26	3	3	NUM
fsr-4050	253	27	-	-	PUNCT
fsr-4050	253	28	gender	gender	NOUN
fsr-4050	253	29	;	;	PUNCT
fsr-4050	253	30	4	4	NUM
fsr-4050	253	31	-	-	PUNCT
fsr-4050	253	32	race	race	NOUN
fsr-4050	253	33	;	;	PUNCT
fsr-4050	253	34	5	5	NUM
fsr-4050	253	35	-	-	ADJ
fsr-4050	253	36	educational	educational	ADJ
fsr-4050	253	37	attainment	attainment	NOUN
fsr-4050	253	38	;	;	PUNCT
fsr-4050	253	39	6	6	NUM
fsr-4050	253	40	-	-	PUNCT
fsr-4050	253	41	marital	marital	ADJ
fsr-4050	253	42	status	status	NOUN
fsr-4050	253	43	;	;	PUNCT
fsr-4050	253	44	7	7	NUM
fsr-4050	253	45	-	-	PUNCT
fsr-4050	253	46	employment	employment	NOUN
fsr-4050	253	47	;	;	PUNCT
fsr-4050	253	48	8	8	NUM
fsr-4050	253	49	-	-	PUNCT
fsr-4050	253	50	number	number	NOUN
fsr-4050	253	51	of	of	ADP
fsr-4050	253	52	children	child	NOUN
fsr-4050	253	53	;	;	PUNCT
fsr-4050	253	54	9	9	NUM
fsr-4050	253	55	-	-	PUNCT
fsr-4050	253	56	age	age	NOUN
fsr-4050	253	57	;	;	PUNCT
fsr-4050	253	58	10	10	NUM
fsr-4050	253	59	-	-	PUNCT
fsr-4050	253	60	income	income	NOUN
fsr-4050	253	61	;	;	PUNCT
fsr-4050	253	62	11	11	NUM
fsr-4050	253	63	-	-	PUNCT
fsr-4050	253	64	wealth	wealth	NOUN
fsr-4050	253	65	;	;	PUNCT
fsr-4050	253	66	12	12	NUM
fsr-4050	253	67	-	-	PUNCT
fsr-4050	253	68	objective	objective	ADJ
fsr-4050	253	69	financial	financial	ADJ
fsr-4050	253	70	knowledge	knowledge	NOUN
fsr-4050	253	71	;	;	PUNCT
fsr-4050	253	72	13	13	NUM
fsr-4050	253	73	-	-	PUNCT
fsr-4050	253	74	subjective	subjective	ADJ
fsr-4050	253	75	financial	financial	ADJ
fsr-4050	253	76	knowledge	knowledge	NOUN
fsr-4050	253	77	;	;	PUNCT
fsr-4050	253	78	14	14	NUM
fsr-4050	253	79	-	-	PUNCT
fsr-4050	253	80	intention	intention	NOUN
fsr-4050	253	81	;	;	PUNCT
fsr-4050	253	82	15	15	NUM
fsr-4050	253	83	-	-	PUNCT
fsr-4050	253	84	savings	saving	NOUN
fsr-4050	253	85	app	app	NOUN
fsr-4050	253	86	use	use	NOUN
fsr-4050	253	87	;	;	PUNCT
fsr-4050	253	88	16	16	NUM
fsr-4050	253	89	-	-	PUNCT
fsr-4050	253	90	savings	saving	NOUN
fsr-4050	253	91	website	website	NOUN
fsr-4050	253	92	use	use	NOUN
fsr-4050	253	93	;	;	PUNCT
fsr-4050	253	94	17	17	NUM
fsr-4050	253	95	-	-	PUNCT
fsr-4050	253	96	attitudes	attitude	NOUN
fsr-4050	253	97	;	;	PUNCT
fsr-4050	253	98	18	18	NUM
fsr-4050	253	99	-	-	PUNCT
fsr-4050	253	100	subjective	subjective	ADJ
fsr-4050	253	101	norms	norm	NOUN
fsr-4050	253	102	;	;	PUNCT
fsr-4050	253	103	19	19	NUM
fsr-4050	253	104	-	-	PUNCT
fsr-4050	253	105	perceived	perceive	VERB
fsr-4050	253	106	behavioral	behavioral	ADJ
fsr-4050	253	107	control	control	NOUN
fsr-4050	253	108	.	.	PUNCT
fsr-4050	254	1	c.r	c.r	PROPN
fsr-4050	254	2	.	.	PROPN
fsr-4050	254	3	–	–	PUNCT
fsr-4050	254	4	composite	composite	ADJ
fsr-4050	254	5	reliability	reliability	NOUN
fsr-4050	254	6	*	*	PUNCT
fsr-4050	254	7	p	p	X
fsr-4050	254	8	<	<	X
fsr-4050	254	9	0.05	0.05	NUM
fsr-4050	254	10	,	,	PUNCT
fsr-4050	254	11	*	*	PUNCT
fsr-4050	254	12	*	*	PUNCT
fsr-4050	254	13	p	p	X
fsr-4050	254	14	<	<	X
fsr-4050	254	15	0.01	0.01	NUM
fsr-4050	254	16	,	,	PUNCT
fsr-4050	254	17	*	*	PUNCT
fsr-4050	254	18	*	*	PUNCT
fsr-4050	254	19	*	*	PUNCT
fsr-4050	254	20	p	p	X
fsr-4050	254	21	<	<	X
fsr-4050	254	22	0.001	0.001	NUM
fsr-4050	254	23	chen	chen	PROPN
fsr-4050	254	24	et	et	PROPN
fsr-4050	254	25	al	al	PROPN
fsr-4050	254	26	.	.	PROPN
fsr-4050	255	1	33	33	NUM
fsr-4050	255	2	model	model	NOUN
fsr-4050	255	3	results	result	VERB
fsr-4050	255	4	the	the	DET
fsr-4050	255	5	study	study	NOUN
fsr-4050	255	6	used	use	VERB
fsr-4050	255	7	sem	sem	NOUN
fsr-4050	255	8	with	with	ADP
fsr-4050	255	9	a	a	DET
fsr-4050	255	10	cfa	cfa	NOUN
fsr-4050	255	11	to	to	PART
fsr-4050	255	12	test	test	VERB
fsr-4050	255	13	the	the	DET
fsr-4050	255	14	theoretical	theoretical	ADJ
fsr-4050	255	15	hypotheses	hypothesis	NOUN
fsr-4050	255	16	.	.	PUNCT
fsr-4050	256	1	all	all	DET
fsr-4050	256	2	latent	latent	NOUN
fsr-4050	256	3	means	mean	NOUN
fsr-4050	256	4	were	be	AUX
fsr-4050	256	5	fixed	fix	VERB
fsr-4050	256	6	to	to	ADP
fsr-4050	256	7	0	0	NUM
fsr-4050	256	8	;	;	PUNCT
fsr-4050	256	9	the	the	DET
fsr-4050	256	10	latent	latent	NOUN
fsr-4050	256	11	variances	variance	NOUN
fsr-4050	256	12	were	be	AUX
fsr-4050	256	13	fixed	fix	VERB
fsr-4050	256	14	to	to	ADP
fsr-4050	256	15	1	1	NUM
fsr-4050	256	16	for	for	ADP
fsr-4050	256	17	twoand	twoand	NOUN
fsr-4050	256	18	threeitem	threeitem	NOUN
fsr-4050	256	19	constructs	construct	NOUN
fsr-4050	256	20	,	,	PUNCT
fsr-4050	256	21	and	and	CCONJ
fsr-4050	256	22	the	the	DET
fsr-4050	256	23	loadings	loading	NOUN
fsr-4050	256	24	were	be	AUX
fsr-4050	256	25	freely	freely	ADV
fsr-4050	256	26	estimated	estimate	VERB
fsr-4050	256	27	(	(	PUNCT
fsr-4050	256	28	little	little	ADJ
fsr-4050	256	29	,	,	PUNCT
fsr-4050	256	30	2024	2024	NUM
fsr-4050	256	31	)	)	PUNCT
fsr-4050	256	32	.	.	PUNCT
fsr-4050	257	1	table	table	NOUN
fsr-4050	257	2	4	4	NUM
fsr-4050	257	3	displays	display	NOUN
fsr-4050	257	4	factor	factor	NOUN
fsr-4050	257	5	loadings	loading	NOUN
fsr-4050	257	6	and	and	CCONJ
fsr-4050	257	7	cross	cros	NOUN
fsr-4050	257	8	-	-	NOUN
fsr-4050	257	9	loadings	loading	NOUN
fsr-4050	257	10	of	of	ADP
fsr-4050	257	11	the	the	DET
fsr-4050	257	12	multi	multi	ADJ
fsr-4050	257	13	-	-	ADJ
fsr-4050	257	14	item	item	ADJ
fsr-4050	257	15	measures	measure	NOUN
fsr-4050	257	16	of	of	ADP
fsr-4050	257	17	attitudes	attitude	NOUN
fsr-4050	257	18	,	,	PUNCT
fsr-4050	257	19	subjective	subjective	ADJ
fsr-4050	257	20	norms	norm	NOUN
fsr-4050	257	21	,	,	PUNCT
fsr-4050	257	22	and	and	CCONJ
fsr-4050	257	23	perceived	perceive	VERB
fsr-4050	257	24	behavioral	behavioral	ADJ
fsr-4050	257	25	control	control	NOUN
fsr-4050	257	26	.	.	PUNCT
fsr-4050	258	1	besides	besides	SCONJ
fsr-4050	258	2	,	,	PUNCT
fsr-4050	258	3	each	each	PRON
fsr-4050	258	4	of	of	ADP
fsr-4050	258	5	the	the	DET
fsr-4050	258	6	measurement	measurement	NOUN
fsr-4050	258	7	items	item	NOUN
fsr-4050	258	8	loaded	load	VERB
fsr-4050	258	9	significantly	significantly	ADV
fsr-4050	258	10	higher	higher	ADV
fsr-4050	258	11	on	on	ADP
fsr-4050	258	12	their	their	PRON
fsr-4050	258	13	focal	focal	ADJ
fsr-4050	258	14	construct	construct	NOUN
fsr-4050	258	15	than	than	ADP
fsr-4050	258	16	on	on	ADP
fsr-4050	258	17	the	the	DET
fsr-4050	258	18	other	other	ADJ
fsr-4050	258	19	construct	construct	NOUN
fsr-4050	258	20	,	,	PUNCT
fsr-4050	258	21	which	which	PRON
fsr-4050	258	22	indicated	indicate	VERB
fsr-4050	258	23	the	the	DET
fsr-4050	258	24	validity	validity	NOUN
fsr-4050	258	25	of	of	ADP
fsr-4050	258	26	these	these	DET
fsr-4050	258	27	measures	measure	NOUN
fsr-4050	258	28	(	(	PUNCT
fsr-4050	258	29	chin	chin	NOUN
fsr-4050	258	30	,	,	PUNCT
fsr-4050	258	31	1998	1998	NUM
fsr-4050	258	32	)	)	PUNCT
fsr-4050	258	33	.	.	PUNCT
fsr-4050	259	1	table	table	NOUN
fsr-4050	259	2	4	4	NUM
fsr-4050	259	3	.	.	PUNCT
fsr-4050	260	1	loadings	loading	NOUN
fsr-4050	260	2	and	and	CCONJ
fsr-4050	260	3	cross	cross	ADJ
fsr-4050	260	4	-	-	ADJ
fsr-4050	260	5	loadings	loading	NOUN
fsr-4050	260	6	construct	construct	NOUN
fsr-4050	260	7	indicators	indicator	NOUN
fsr-4050	260	8	factor	factor	NOUN
fsr-4050	260	9	1	1	NUM
fsr-4050	260	10	factor	factor	NOUN
fsr-4050	260	11	2	2	NUM
fsr-4050	260	12	factor	factor	NOUN
fsr-4050	260	13	3	3	NUM
fsr-4050	260	14	attitudes	attitude	NOUN
fsr-4050	260	15	at1	at1	PROPN
fsr-4050	260	16	0.819	0.819	NUM
fsr-4050	260	17	-0.021	-0.021	NOUN
fsr-4050	260	18	0.071	0.071	NUM
fsr-4050	260	19	at2	at2	NOUN
fsr-4050	261	1	0.828	0.828	NUM
fsr-4050	261	2	0.048	0.048	NUM
fsr-4050	261	3	-0.035	-0.035	PART
fsr-4050	261	4	at3	at3	NOUN
fsr-4050	261	5	0.864	0.864	NUM
fsr-4050	261	6	-0.027	-0.027	NUM
fsr-4050	261	7	-0.033	-0.033	PUNCT
fsr-4050	261	8	subjective	subjective	ADJ
fsr-4050	261	9	norms	norm	NOUN
fsr-4050	261	10	sn1	sn1	PROPN
fsr-4050	261	11	0.114	0.114	NUM
fsr-4050	261	12	0.828	0.828	NUM
fsr-4050	261	13	0.011	0.011	NUM
fsr-4050	261	14	sn2	sn2	PROPN
fsr-4050	261	15	-0.091	-0.091	NUM
fsr-4050	261	16	0.925	0.925	NUM
fsr-4050	261	17	-0.007	-0.007	PUNCT
fsr-4050	261	18	perceived	perceive	VERB
fsr-4050	261	19	behavioral	behavioral	ADJ
fsr-4050	261	20	control	control	NOUN
fsr-4050	261	21	pc1	pc1	PROPN
fsr-4050	261	22	-0.040	-0.040	NUM
fsr-4050	262	1	0.070	0.070	NUM
fsr-4050	262	2	0.863	0.863	NUM
fsr-4050	262	3	pc2	pc2	NOUN
fsr-4050	262	4	0.038	0.038	NUM
fsr-4050	262	5	-0.061	-0.061	NOUN
fsr-4050	262	6	0.916	0.916	NUM
fsr-4050	262	7	source	source	NOUN
fsr-4050	262	8	:	:	PUNCT
fsr-4050	262	9	primary	primary	ADJ
fsr-4050	262	10	data	datum	NOUN
fsr-4050	262	11	collected	collect	VERB
fsr-4050	262	12	through	through	ADP
fsr-4050	262	13	mturk	mturk	PROPN
fsr-4050	262	14	in	in	ADP
fsr-4050	262	15	july	july	PROPN
fsr-4050	262	16	2021	2021	NUM
fsr-4050	262	17	.	.	PUNCT
fsr-4050	263	1	n	n	NOUN
fsr-4050	263	2	=	=	SYM
fsr-4050	263	3	453	453	NUM
fsr-4050	263	4	figure	figure	NOUN
fsr-4050	263	5	2	2	NUM
fsr-4050	263	6	shows	show	VERB
fsr-4050	263	7	the	the	DET
fsr-4050	263	8	statistical	statistical	ADJ
fsr-4050	263	9	results	result	NOUN
fsr-4050	263	10	with	with	ADP
fsr-4050	263	11	maximum	maximum	ADJ
fsr-4050	263	12	likelihood	likelihood	NOUN
fsr-4050	263	13	(	(	PUNCT
fsr-4050	263	14	ml	ml	NOUN
fsr-4050	263	15	)	)	PUNCT
fsr-4050	263	16	estimators	estimator	NOUN
fsr-4050	263	17	within	within	ADP
fsr-4050	263	18	the	the	DET
fsr-4050	263	19	sem	sem	NOUN
fsr-4050	263	20	framework	framework	NOUN
fsr-4050	263	21	.	.	PUNCT
fsr-4050	264	1	specifically	specifically	ADV
fsr-4050	264	2	,	,	PUNCT
fsr-4050	264	3	the	the	DET
fsr-4050	264	4	model	model	NOUN
fsr-4050	264	5	results	result	VERB
fsr-4050	264	6	with	with	ADP
fsr-4050	264	7	an	an	DET
fsr-4050	264	8	acceptable	acceptable	ADJ
fsr-4050	264	9	model	model	NOUN
fsr-4050	264	10	fit	fit	NOUN
fsr-4050	264	11	are	be	AUX
fsr-4050	264	12	as	as	SCONJ
fsr-4050	264	13	follows	follow	VERB
fsr-4050	264	14	:	:	PUNCT
fsr-4050	264	15	χ2(df	χ2(df	PROPN
fsr-4050	264	16	132	132	NUM
fsr-4050	264	17	)	)	PUNCT
fsr-4050	264	18	=	=	SYM
fsr-4050	264	19	333.421	333.421	NUM
fsr-4050	264	20	,	,	PUNCT
fsr-4050	264	21	p	p	NOUN
fsr-4050	264	22	=	=	X
fsr-4050	264	23	<	<	X
fsr-4050	264	24	0.001	0.001	NUM
fsr-4050	264	25	;	;	PUNCT
fsr-4050	264	26	rmsea	rmsea	NOUN
fsr-4050	264	27	=	=	NUM
fsr-4050	264	28	0.044	0.044	NUM
fsr-4050	264	29	;	;	PUNCT
fsr-4050	264	30	90	90	NUM
fsr-4050	264	31	%	%	NOUN
fsr-4050	264	32	ci	ci	NOUN
fsr-4050	265	1	[	[	X
fsr-4050	265	2	0.050	0.050	NUM
fsr-4050	265	3	,	,	PUNCT
fsr-4050	265	4	0.066	0.066	NUM
fsr-4050	265	5	]	]	PUNCT
fsr-4050	265	6	,	,	PUNCT
fsr-4050	265	7	cfi	cfi	X
fsr-4050	265	8	=	=	PUNCT
fsr-4050	265	9	0.900	0.900	NUM
fsr-4050	265	10	,	,	PUNCT
fsr-4050	265	11	tli	tli	X
fsr-4050	265	12	=	=	PUNCT
fsr-4050	265	13	0.849	0.849	NUM
fsr-4050	265	14	;	;	PUNCT
fsr-4050	265	15	srmr=0.057	srmr=0.057	PROPN
fsr-4050	265	16	.	.	PUNCT
fsr-4050	266	1	financial	financial	PROPN
fsr-4050	266	2	services	service	NOUN
fsr-4050	266	3	review	review	NOUN
fsr-4050	266	4	,	,	PUNCT
fsr-4050	266	5	33(3	33(3	NOUN
fsr-4050	266	6	)	)	PUNCT
fsr-4050	266	7	34	34	NUM
fsr-4050	266	8	figure	figure	NOUN
fsr-4050	266	9	2	2	NUM
fsr-4050	266	10	:	:	PUNCT
fsr-4050	266	11	research	research	NOUN
fsr-4050	266	12	model	model	NOUN
fsr-4050	266	13	results	result	NOUN
fsr-4050	266	14	(	(	PUNCT
fsr-4050	266	15	standardized	standardize	VERB
fsr-4050	266	16	)	)	PUNCT
fsr-4050	266	17	*	*	PUNCT
fsr-4050	267	1	p	p	X
fsr-4050	267	2	<	<	X
fsr-4050	267	3	0.05	0.05	NUM
fsr-4050	267	4	,	,	PUNCT
fsr-4050	267	5	*	*	PUNCT
fsr-4050	267	6	*	*	PUNCT
fsr-4050	267	7	p	p	X
fsr-4050	267	8	<	<	X
fsr-4050	267	9	0.01	0.01	NUM
fsr-4050	267	10	,	,	PUNCT
fsr-4050	267	11	*	*	PUNCT
fsr-4050	267	12	*	*	PUNCT
fsr-4050	267	13	*	*	PUNCT
fsr-4050	267	14	p	p	X
fsr-4050	267	15	<	<	X
fsr-4050	267	16	0.001	0.001	NUM
fsr-4050	267	17	attitudes	attitude	NOUN
fsr-4050	267	18	toward	toward	ADP
fsr-4050	267	19	adequate	adequate	ADJ
fsr-4050	267	20	emergency	emergency	NOUN
fsr-4050	267	21	fund	fund	NOUN
fsr-4050	267	22	savings	saving	NOUN
fsr-4050	267	23	subjective	subjective	ADJ
fsr-4050	267	24	norms	norm	NOUN
fsr-4050	267	25	perceived	perceive	VERB
fsr-4050	267	26	behavioral	behavioral	ADJ
fsr-4050	267	27	control	control	NOUN
fsr-4050	267	28	intention	intention	NOUN
fsr-4050	267	29	to	to	PART
fsr-4050	267	30	use	use	VERB
fsr-4050	267	31	fintech	fintech	NOUN
fsr-4050	267	32	to	to	PART
fsr-4050	267	33	save	save	VERB
fsr-4050	267	34	adequate	adequate	ADJ
fsr-4050	267	35	emergency	emergency	NOUN
fsr-4050	267	36	fund	fund	NOUN
fsr-4050	267	37	savings	saving	NOUN
fsr-4050	267	38	saving	save	VERB
fsr-4050	267	39	app	app	NOUN
fsr-4050	267	40	use	use	NOUN
fsr-4050	267	41	saving	save	VERB
fsr-4050	267	42	website	website	NOUN
fsr-4050	267	43	use	use	VERB
fsr-4050	267	44	0.408	0.408	NUM
fsr-4050	267	45	*	*	PUNCT
fsr-4050	267	46	*	*	PUNCT
fsr-4050	267	47	(	(	PUNCT
fsr-4050	267	48	h2	h2	NOUN
fsr-4050	267	49	)	)	PUNCT
fsr-4050	267	50	chen	chen	PROPN
fsr-4050	267	51	et	et	PROPN
fsr-4050	267	52	al	al	PROPN
fsr-4050	267	53	.	.	PROPN
fsr-4050	267	54	35	35	NUM
fsr-4050	267	55	table	table	NOUN
fsr-4050	267	56	5	5	NUM
fsr-4050	267	57	shows	show	VERB
fsr-4050	267	58	the	the	DET
fsr-4050	267	59	standardized	standardized	ADJ
fsr-4050	267	60	estimates	estimate	NOUN
fsr-4050	267	61	of	of	ADP
fsr-4050	267	62	direct	direct	ADJ
fsr-4050	267	63	effects	effect	NOUN
fsr-4050	267	64	between	between	ADP
fsr-4050	267	65	the	the	DET
fsr-4050	267	66	variables	variable	NOUN
fsr-4050	267	67	in	in	ADP
fsr-4050	267	68	the	the	DET
fsr-4050	267	69	current	current	ADJ
fsr-4050	267	70	study	study	NOUN
fsr-4050	267	71	.	.	PUNCT
fsr-4050	268	1	attitudes	attitude	NOUN
fsr-4050	268	2	toward	toward	ADP
fsr-4050	268	3	adequate	adequate	ADJ
fsr-4050	268	4	emergency	emergency	NOUN
fsr-4050	268	5	fund	fund	NOUN
fsr-4050	268	6	savings	saving	NOUN
fsr-4050	268	7	were	be	AUX
fsr-4050	268	8	negatively	negatively	ADV
fsr-4050	268	9	associated	associate	VERB
fsr-4050	268	10	with	with	ADP
fsr-4050	268	11	intention	intention	NOUN
fsr-4050	268	12	to	to	PART
fsr-4050	268	13	use	use	VERB
fsr-4050	268	14	fintech	fintech	NOUN
fsr-4050	268	15	to	to	PART
fsr-4050	268	16	save	save	VERB
fsr-4050	268	17	(	(	PUNCT
fsr-4050	268	18	b	b	X
fsr-4050	268	19	=	=	PUNCT
fsr-4050	268	20	-0.352	-0.352	PROPN
fsr-4050	268	21	,	,	PUNCT
fsr-4050	268	22	p	p	X
fsr-4050	268	23	<	<	X
fsr-4050	268	24	0.001	0.001	NUM
fsr-4050	268	25	)	)	PUNCT
fsr-4050	268	26	.	.	PUNCT
fsr-4050	269	1	subjective	subjective	ADJ
fsr-4050	269	2	norms	norm	NOUN
fsr-4050	269	3	(	(	PUNCT
fsr-4050	269	4	b	b	X
fsr-4050	269	5	=	=	SYM
fsr-4050	269	6	0.408	0.408	NUM
fsr-4050	269	7	,	,	PUNCT
fsr-4050	269	8	p	p	X
fsr-4050	269	9	<	<	X
fsr-4050	269	10	0.01	0.01	NUM
fsr-4050	269	11	)	)	PUNCT
fsr-4050	269	12	and	and	CCONJ
fsr-4050	269	13	perceived	perceive	VERB
fsr-4050	269	14	behavioral	behavioral	ADJ
fsr-4050	269	15	control	control	NOUN
fsr-4050	269	16	(	(	PUNCT
fsr-4050	269	17	b	b	X
fsr-4050	269	18	=	=	SYM
fsr-4050	269	19	0.571	0.571	NUM
fsr-4050	269	20	,	,	PUNCT
fsr-4050	269	21	p	p	X
fsr-4050	269	22	<	<	X
fsr-4050	269	23	0.001	0.001	NUM
fsr-4050	269	24	)	)	PUNCT
fsr-4050	269	25	were	be	AUX
fsr-4050	269	26	positively	positively	ADV
fsr-4050	269	27	associated	associate	VERB
fsr-4050	269	28	with	with	ADP
fsr-4050	269	29	the	the	DET
fsr-4050	269	30	intention	intention	NOUN
fsr-4050	269	31	to	to	PART
fsr-4050	269	32	use	use	VERB
fsr-4050	269	33	fintech	fintech	NOUN
fsr-4050	269	34	to	to	PART
fsr-4050	269	35	save	save	VERB
fsr-4050	269	36	,	,	PUNCT
fsr-4050	269	37	respectively	respectively	ADV
fsr-4050	269	38	.	.	PUNCT
fsr-4050	270	1	furthermore	furthermore	ADV
fsr-4050	270	2	,	,	PUNCT
fsr-4050	270	3	perceived	perceive	VERB
fsr-4050	270	4	behavioral	behavioral	ADJ
fsr-4050	270	5	control	control	NOUN
fsr-4050	270	6	(	(	PUNCT
fsr-4050	270	7	b	b	X
fsr-4050	270	8	=	=	SYM
fsr-4050	270	9	0.079	0.079	NUM
fsr-4050	270	10	,	,	PUNCT
fsr-4050	270	11	p	p	X
fsr-4050	270	12	<	<	X
fsr-4050	270	13	0.001	0.001	NUM
fsr-4050	270	14	)	)	PUNCT
fsr-4050	270	15	was	be	AUX
fsr-4050	270	16	positively	positively	ADV
fsr-4050	270	17	associated	associate	VERB
fsr-4050	270	18	with	with	ADP
fsr-4050	270	19	adequate	adequate	ADJ
fsr-4050	270	20	emergency	emergency	NOUN
fsr-4050	270	21	fund	fund	NOUN
fsr-4050	270	22	savings	saving	NOUN
fsr-4050	270	23	.	.	PUNCT
fsr-4050	271	1	the	the	DET
fsr-4050	271	2	intention	intention	NOUN
fsr-4050	271	3	to	to	PART
fsr-4050	271	4	use	use	VERB
fsr-4050	271	5	fintech	fintech	NOUN
fsr-4050	271	6	to	to	PART
fsr-4050	271	7	save	save	VERB
fsr-4050	271	8	was	be	AUX
fsr-4050	271	9	positively	positively	ADV
fsr-4050	271	10	and	and	CCONJ
fsr-4050	271	11	significantly	significantly	ADV
fsr-4050	271	12	associated	associate	VERB
fsr-4050	271	13	with	with	ADP
fsr-4050	271	14	both	both	DET
fsr-4050	271	15	saving	save	VERB
fsr-4050	271	16	apps	app	NOUN
fsr-4050	271	17	(	(	PUNCT
fsr-4050	271	18	b	b	X
fsr-4050	271	19	=	=	SYM
fsr-4050	271	20	0.568	0.568	NUM
fsr-4050	271	21	,	,	PUNCT
fsr-4050	271	22	p	p	X
fsr-4050	271	23	<	<	X
fsr-4050	271	24	0.001	0.001	NUM
fsr-4050	271	25	)	)	PUNCT
fsr-4050	271	26	and	and	CCONJ
fsr-4050	271	27	websites	website	NOUN
fsr-4050	271	28	(	(	PUNCT
fsr-4050	271	29	b	b	NOUN
fsr-4050	271	30	=	=	SYM
fsr-4050	271	31	0.353	0.353	NUM
fsr-4050	271	32	,	,	PUNCT
fsr-4050	271	33	p	p	X
fsr-4050	271	34	<	<	X
fsr-4050	271	35	0.001	0.001	NUM
fsr-4050	271	36	)	)	PUNCT
fsr-4050	271	37	use	use	NOUN
fsr-4050	271	38	.	.	PUNCT
fsr-4050	272	1	however	however	ADV
fsr-4050	272	2	,	,	PUNCT
fsr-4050	272	3	only	only	ADV
fsr-4050	272	4	saving	save	VERB
fsr-4050	272	5	websites	website	NOUN
fsr-4050	272	6	use	use	NOUN
fsr-4050	272	7	(	(	PUNCT
fsr-4050	272	8	b	b	NOUN
fsr-4050	272	9	=	=	SYM
fsr-4050	272	10	0.041	0.041	NUM
fsr-4050	272	11	,	,	PUNCT
fsr-4050	272	12	p	p	X
fsr-4050	272	13	<	<	X
fsr-4050	272	14	0.01	0.01	NUM
fsr-4050	272	15	)	)	PUNCT
fsr-4050	272	16	significantly	significantly	ADV
fsr-4050	272	17	predicted	predict	VERB
fsr-4050	272	18	adequate	adequate	ADJ
fsr-4050	272	19	emergency	emergency	NOUN
fsr-4050	272	20	fund	fund	NOUN
fsr-4050	272	21	savings	saving	NOUN
fsr-4050	272	22	.	.	PUNCT
fsr-4050	273	1	thus	thus	ADV
fsr-4050	273	2	,	,	PUNCT
fsr-4050	273	3	our	our	PRON
fsr-4050	273	4	research	research	NOUN
fsr-4050	273	5	hypotheses	hypothesis	NOUN
fsr-4050	273	6	for	for	ADP
fsr-4050	273	7	the	the	DET
fsr-4050	273	8	direct	direct	ADJ
fsr-4050	273	9	effect	effect	NOUN
fsr-4050	273	10	were	be	AUX
fsr-4050	273	11	supported	support	VERB
fsr-4050	273	12	except	except	SCONJ
fsr-4050	273	13	for	for	ADP
fsr-4050	273	14	h1	h1	PROPN
fsr-4050	273	15	(	(	PUNCT
fsr-4050	273	16	i.e.	i.e.	X
fsr-4050	273	17	,	,	PUNCT
fsr-4050	273	18	wrong	wrong	ADJ
fsr-4050	273	19	direction	direction	NOUN
fsr-4050	273	20	)	)	PUNCT
fsr-4050	273	21	and	and	CCONJ
fsr-4050	273	22	h7	h7	PROPN
fsr-4050	273	23	(	(	PUNCT
fsr-4050	273	24	i.e.	i.e.	X
fsr-4050	273	25	,	,	PUNCT
fsr-4050	273	26	insignificant	insignificant	ADJ
fsr-4050	273	27	)	)	PUNCT
fsr-4050	273	28	.	.	PUNCT
fsr-4050	274	1	table	table	NOUN
fsr-4050	274	2	5	5	NUM
fsr-4050	274	3	.	.	PUNCT
fsr-4050	274	4	standardized	standardized	ADJ
fsr-4050	274	5	estimates	estimate	NOUN
fsr-4050	274	6	for	for	ADP
fsr-4050	274	7	the	the	DET
fsr-4050	274	8	proposed	propose	VERB
fsr-4050	274	9	sem	sem	NOUN
fsr-4050	274	10	model	model	NOUN
fsr-4050	274	11	(	(	PUNCT
fsr-4050	274	12	direct	direct	ADJ
fsr-4050	274	13	effect	effect	NOUN
fsr-4050	274	14	)	)	PUNCT
fsr-4050	274	15	standardized	standardized	ADJ
fsr-4050	274	16	estimate	estimate	NOUN
fsr-4050	274	17	(	(	PUNCT
fsr-4050	274	18	se	se	X
fsr-4050	274	19	)	)	PUNCT
fsr-4050	274	20	h1	h1	PROPN
fsr-4050	274	21	:	:	PUNCT
fsr-4050	274	22	attitudes	attitude	NOUN
fsr-4050	274	23	toward	toward	ADP
fsr-4050	274	24	adequate	adequate	ADJ
fsr-4050	274	25	emergency	emergency	NOUN
fsr-4050	274	26	fund	fund	NOUN
fsr-4050	274	27	savings	saving	NOUN
fsr-4050	274	28	→	→	SYM
fsr-4050	274	29	intention	intention	NOUN
fsr-4050	274	30	to	to	PART
fsr-4050	274	31	use	use	VERB
fsr-4050	274	32	fintech	fintech	NOUN
fsr-4050	274	33	to	to	PART
fsr-4050	274	34	save	save	VERB
fsr-4050	274	35	-0.352	-0.352	NOUN
fsr-4050	274	36	*	*	PROPN
fsr-4050	274	37	*	*	PUNCT
fsr-4050	274	38	*	*	PUNCT
fsr-4050	274	39	(	(	PUNCT
fsr-4050	274	40	0.098	0.098	NUM
fsr-4050	274	41	)	)	PUNCT
fsr-4050	274	42	h2	h2	NOUN
fsr-4050	274	43	:	:	PUNCT
fsr-4050	274	44	subjective	subjective	ADJ
fsr-4050	274	45	norm	norm	NOUN
fsr-4050	274	46	→	→	PUNCT
fsr-4050	274	47	intention	intention	NOUN
fsr-4050	274	48	to	to	PART
fsr-4050	274	49	use	use	VERB
fsr-4050	274	50	fintech	fintech	NOUN
fsr-4050	274	51	to	to	PART
fsr-4050	274	52	save	save	VERB
fsr-4050	274	53	0.408	0.408	NUM
fsr-4050	275	1	*	*	PUNCT
fsr-4050	275	2	*	*	PUNCT
fsr-4050	275	3	(	(	PUNCT
fsr-4050	275	4	0.144	0.144	NUM
fsr-4050	275	5	)	)	PUNCT
fsr-4050	275	6	h3	h3	NOUN
fsr-4050	275	7	:	:	PUNCT
fsr-4050	275	8	perceived	perceive	VERB
fsr-4050	275	9	behavioral	behavioral	ADJ
fsr-4050	275	10	control	control	NOUN
fsr-4050	275	11	→intention	→intention	PUNCT
fsr-4050	275	12	to	to	PART
fsr-4050	275	13	use	use	VERB
fsr-4050	275	14	fintech	fintech	NOUN
fsr-4050	275	15	to	to	PART
fsr-4050	275	16	save	save	VERB
fsr-4050	275	17	0.571	0.571	NUM
fsr-4050	275	18	*	*	PUNCT
fsr-4050	275	19	*	*	PUNCT
fsr-4050	275	20	*	*	PUNCT
fsr-4050	275	21	(	(	PUNCT
fsr-4050	275	22	0.078	0.078	NUM
fsr-4050	275	23	)	)	PUNCT
fsr-4050	275	24	h4	h4	NOUN
fsr-4050	275	25	:	:	PUNCT
fsr-4050	275	26	perceived	perceive	VERB
fsr-4050	275	27	behavioral	behavioral	ADJ
fsr-4050	275	28	control	control	NOUN
fsr-4050	275	29	→	→	SYM
fsr-4050	275	30	adequate	adequate	ADJ
fsr-4050	275	31	emergency	emergency	NOUN
fsr-4050	275	32	fund	fund	NOUN
fsr-4050	275	33	savings	saving	NOUN
fsr-4050	275	34	0.079	0.079	NUM
fsr-4050	275	35	*	*	PUNCT
fsr-4050	275	36	*	*	PUNCT
fsr-4050	275	37	*	*	PUNCT
fsr-4050	275	38	(	(	PUNCT
fsr-4050	275	39	0.021	0.021	NUM
fsr-4050	275	40	)	)	PUNCT
fsr-4050	275	41	h5	h5	NOUN
fsr-4050	275	42	:	:	PUNCT
fsr-4050	275	43	intention	intention	NOUN
fsr-4050	275	44	to	to	PART
fsr-4050	275	45	use	use	VERB
fsr-4050	275	46	fintech	fintech	NOUN
fsr-4050	275	47	to	to	PART
fsr-4050	275	48	save	save	VERB
fsr-4050	275	49	→	→	SYM
fsr-4050	275	50	saving	save	VERB
fsr-4050	275	51	app	app	NOUN
fsr-4050	275	52	use	use	VERB
fsr-4050	275	53	0.568	0.568	NUM
fsr-4050	275	54	*	*	PUNCT
fsr-4050	275	55	*	*	PUNCT
fsr-4050	275	56	*	*	PUNCT
fsr-4050	275	57	(	(	PUNCT
fsr-4050	275	58	0.042	0.042	NUM
fsr-4050	275	59	)	)	PUNCT
fsr-4050	275	60	h6	h6	NOUN
fsr-4050	275	61	:	:	PUNCT
fsr-4050	275	62	intention	intention	NOUN
fsr-4050	275	63	to	to	PART
fsr-4050	275	64	use	use	VERB
fsr-4050	275	65	fintech	fintech	NOUN
fsr-4050	275	66	to	to	PART
fsr-4050	275	67	save	save	VERB
fsr-4050	275	68	→	→	SYM
fsr-4050	275	69	saving	save	VERB
fsr-4050	275	70	website	website	NOUN
fsr-4050	275	71	use	use	VERB
fsr-4050	275	72	0.353	0.353	NUM
fsr-4050	275	73	*	*	PUNCT
fsr-4050	275	74	*	*	PUNCT
fsr-4050	275	75	*	*	PUNCT
fsr-4050	275	76	(	(	PUNCT
fsr-4050	275	77	0.046	0.046	NUM
fsr-4050	275	78	)	)	PUNCT
fsr-4050	275	79	h7	h7	PROPN
fsr-4050	275	80	:	:	PUNCT
fsr-4050	275	81	saving	save	VERB
fsr-4050	275	82	app	app	NOUN
fsr-4050	275	83	use	use	NOUN
fsr-4050	275	84	→	→	PUNCT
fsr-4050	275	85	adequate	adequate	ADJ
fsr-4050	275	86	emergency	emergency	NOUN
fsr-4050	275	87	fund	fund	NOUN
fsr-4050	275	88	savings	saving	NOUN
fsr-4050	275	89	-0.015	-0.015	PUNCT
fsr-4050	275	90	(	(	PUNCT
fsr-4050	275	91	0.014	0.014	NUM
fsr-4050	275	92	)	)	PUNCT
fsr-4050	275	93	h8	h8	PROPN
fsr-4050	275	94	:	:	PUNCT
fsr-4050	275	95	saving	save	VERB
fsr-4050	275	96	website	website	NOUN
fsr-4050	275	97	use	use	NOUN
fsr-4050	275	98	→	→	PUNCT
fsr-4050	275	99	adequate	adequate	ADJ
fsr-4050	275	100	emergency	emergency	NOUN
fsr-4050	275	101	fund	fund	NOUN
fsr-4050	275	102	savings	saving	NOUN
fsr-4050	275	103	0.041	0.041	NUM
fsr-4050	275	104	*	*	PUNCT
fsr-4050	275	105	*	*	PUNCT
fsr-4050	275	106	(	(	PUNCT
fsr-4050	275	107	0.014	0.014	NUM
fsr-4050	275	108	)	)	PUNCT
fsr-4050	275	109	source	source	NOUN
fsr-4050	275	110	:	:	PUNCT
fsr-4050	275	111	primary	primary	ADJ
fsr-4050	275	112	data	datum	NOUN
fsr-4050	275	113	collected	collect	VERB
fsr-4050	275	114	through	through	ADP
fsr-4050	275	115	mturk	mturk	PROPN
fsr-4050	275	116	in	in	ADP
fsr-4050	275	117	july	july	PROPN
fsr-4050	275	118	2021	2021	NUM
fsr-4050	275	119	.	.	PUNCT
fsr-4050	276	1	n	n	NOUN
fsr-4050	276	2	=	=	SYM
fsr-4050	276	3	453	453	NUM
fsr-4050	276	4	se	se	ADJ
fsr-4050	276	5	:	:	PUNCT
fsr-4050	276	6	standard	standard	ADJ
fsr-4050	276	7	error	error	NOUN
fsr-4050	276	8	covariate	covariate	NOUN
fsr-4050	276	9	variables	variable	NOUN
fsr-4050	276	10	included	include	VERB
fsr-4050	276	11	in	in	ADP
fsr-4050	276	12	the	the	DET
fsr-4050	276	13	analysis	analysis	NOUN
fsr-4050	276	14	.	.	PUNCT
fsr-4050	277	1	*	*	PUNCT
fsr-4050	277	2	p	p	X
fsr-4050	277	3	<	<	X
fsr-4050	277	4	0.05	0.05	NUM
fsr-4050	277	5	,	,	PUNCT
fsr-4050	277	6	*	*	PUNCT
fsr-4050	277	7	*	*	PUNCT
fsr-4050	277	8	p	p	X
fsr-4050	277	9	<	<	X
fsr-4050	277	10	0.01	0.01	NUM
fsr-4050	277	11	,	,	PUNCT
fsr-4050	277	12	*	*	PUNCT
fsr-4050	277	13	*	*	PUNCT
fsr-4050	277	14	*	*	PUNCT
fsr-4050	277	15	p	p	X
fsr-4050	277	16	<	<	X
fsr-4050	277	17	0.001	0.001	NUM
fsr-4050	277	18	table	table	NOUN
fsr-4050	277	19	6	6	NUM
fsr-4050	277	20	shows	show	VERB
fsr-4050	277	21	the	the	DET
fsr-4050	277	22	standardized	standardized	ADJ
fsr-4050	277	23	estimates	estimate	NOUN
fsr-4050	277	24	of	of	ADP
fsr-4050	277	25	the	the	DET
fsr-4050	277	26	indirect	indirect	ADJ
fsr-4050	277	27	effects	effect	NOUN
fsr-4050	277	28	with	with	ADP
fsr-4050	277	29	95	95	NUM
fsr-4050	277	30	%	%	NOUN
fsr-4050	277	31	confidence	confidence	NOUN
fsr-4050	277	32	intervals	interval	NOUN
fsr-4050	277	33	.	.	PUNCT
fsr-4050	278	1	three	three	NUM
fsr-4050	278	2	indirect	indirect	ADJ
fsr-4050	278	3	effect	effect	NOUN
fsr-4050	278	4	paths	path	NOUN
fsr-4050	278	5	were	be	AUX
fsr-4050	278	6	significant	significant	ADJ
fsr-4050	278	7	.	.	PUNCT
fsr-4050	279	1	first	first	ADV
fsr-4050	279	2	,	,	PUNCT
fsr-4050	279	3	the	the	DET
fsr-4050	279	4	path	path	NOUN
fsr-4050	279	5	from	from	ADP
fsr-4050	279	6	attitudes	attitude	NOUN
fsr-4050	279	7	to	to	ADP
fsr-4050	279	8	adequate	adequate	ADJ
fsr-4050	279	9	emergency	emergency	NOUN
fsr-4050	279	10	fund	fund	NOUN
fsr-4050	279	11	savings	saving	NOUN
fsr-4050	279	12	through	through	ADP
fsr-4050	279	13	the	the	DET
fsr-4050	279	14	intention	intention	NOUN
fsr-4050	279	15	to	to	PART
fsr-4050	279	16	use	use	VERB
fsr-4050	279	17	fintech	fintech	NOUN
fsr-4050	279	18	to	to	PART
fsr-4050	279	19	save	save	VERB
fsr-4050	279	20	and	and	CCONJ
fsr-4050	279	21	saving	save	VERB
fsr-4050	279	22	websites	website	NOUN
fsr-4050	279	23	use	use	NOUN
fsr-4050	279	24	was	be	AUX
fsr-4050	279	25	negative	negative	ADJ
fsr-4050	279	26	and	and	CCONJ
fsr-4050	279	27	significant	significant	ADJ
fsr-4050	279	28	(	(	PUNCT
fsr-4050	279	29	b	b	X
fsr-4050	279	30	=	=	SYM
fsr-4050	279	31	-0.005	-0.005	PROPN
fsr-4050	279	32	,	,	PUNCT
fsr-4050	279	33	p	p	X
fsr-4050	279	34	<	<	X
fsr-4050	279	35	0.05	0.05	NUM
fsr-4050	279	36	;	;	PUNCT
fsr-4050	279	37	95	95	NUM
fsr-4050	279	38	%	%	NOUN
fsr-4050	279	39	ci	ci	NOUN
fsr-4050	280	1	[	[	X
fsr-4050	280	2	-0.009	-0.009	PROPN
fsr-4050	280	3	,	,	PUNCT
fsr-4050	280	4	-0.001	-0.001	NOUN
fsr-4050	280	5	]	]	PUNCT
fsr-4050	280	6	)	)	PUNCT
fsr-4050	280	7	.	.	PUNCT
fsr-4050	281	1	second	second	ADJ
fsr-4050	281	2	,	,	PUNCT
fsr-4050	281	3	the	the	DET
fsr-4050	281	4	path	path	NOUN
fsr-4050	281	5	from	from	ADP
fsr-4050	281	6	the	the	DET
fsr-4050	281	7	subjective	subjective	ADJ
fsr-4050	281	8	norms	norm	NOUN
fsr-4050	281	9	to	to	ADP
fsr-4050	281	10	adequate	adequate	ADJ
fsr-4050	281	11	emergency	emergency	NOUN
fsr-4050	281	12	financial	financial	PROPN
fsr-4050	281	13	services	service	NOUN
fsr-4050	281	14	review	review	NOUN
fsr-4050	281	15	,	,	PUNCT
fsr-4050	281	16	33(3	33(3	NOUN
fsr-4050	281	17	)	)	PUNCT
fsr-4050	281	18	36	36	NUM
fsr-4050	281	19	fund	fund	NOUN
fsr-4050	281	20	savings	saving	NOUN
fsr-4050	281	21	through	through	ADP
fsr-4050	281	22	intention	intention	NOUN
fsr-4050	281	23	to	to	PART
fsr-4050	281	24	use	use	VERB
fsr-4050	281	25	fintech	fintech	NOUN
fsr-4050	281	26	to	to	PART
fsr-4050	281	27	save	save	VERB
fsr-4050	281	28	and	and	CCONJ
fsr-4050	281	29	saving	save	VERB
fsr-4050	281	30	website	website	NOUN
fsr-4050	281	31	use	use	NOUN
fsr-4050	281	32	was	be	AUX
fsr-4050	281	33	positive	positive	ADJ
fsr-4050	281	34	and	and	CCONJ
fsr-4050	281	35	significant	significant	ADJ
fsr-4050	281	36	(	(	PUNCT
fsr-4050	281	37	b	b	NOUN
fsr-4050	281	38	=	=	SYM
fsr-4050	281	39	0.006	0.006	NUM
fsr-4050	281	40	,	,	PUNCT
fsr-4050	281	41	p	p	X
fsr-4050	281	42	<	<	X
fsr-4050	281	43	0.05	0.05	NUM
fsr-4050	281	44	;	;	PUNCT
fsr-4050	281	45	95	95	NUM
fsr-4050	281	46	%	%	NOUN
fsr-4050	281	47	ci	ci	NOUN
fsr-4050	282	1	[	[	X
fsr-4050	282	2	0.001	0.001	NUM
fsr-4050	282	3	,	,	PUNCT
fsr-4050	282	4	0.011	0.011	NUM
fsr-4050	282	5	]	]	NUM
fsr-4050	282	6	)	)	PUNCT
fsr-4050	282	7	.	.	PUNCT
fsr-4050	283	1	third	third	ADJ
fsr-4050	283	2	,	,	PUNCT
fsr-4050	283	3	the	the	DET
fsr-4050	283	4	path	path	NOUN
fsr-4050	283	5	from	from	ADP
fsr-4050	283	6	perceived	perceive	VERB
fsr-4050	283	7	behavioral	behavioral	ADJ
fsr-4050	283	8	control	control	NOUN
fsr-4050	283	9	to	to	ADP
fsr-4050	283	10	adequate	adequate	ADJ
fsr-4050	283	11	emergency	emergency	NOUN
fsr-4050	283	12	fund	fund	NOUN
fsr-4050	283	13	savings	saving	NOUN
fsr-4050	283	14	through	through	ADP
fsr-4050	283	15	intention	intention	NOUN
fsr-4050	283	16	to	to	PART
fsr-4050	283	17	use	use	VERB
fsr-4050	283	18	fintech	fintech	NOUN
fsr-4050	283	19	to	to	PART
fsr-4050	283	20	save	save	VERB
fsr-4050	283	21	and	and	CCONJ
fsr-4050	283	22	saving	save	VERB
fsr-4050	283	23	website	website	NOUN
fsr-4050	283	24	use	use	NOUN
fsr-4050	283	25	was	be	AUX
fsr-4050	283	26	positive	positive	ADJ
fsr-4050	283	27	and	and	CCONJ
fsr-4050	283	28	significant	significant	ADJ
fsr-4050	283	29	(	(	PUNCT
fsr-4050	283	30	b	b	NOUN
fsr-4050	283	31	=	=	SYM
fsr-4050	283	32	0.008	0.008	NUM
fsr-4050	283	33	,	,	PUNCT
fsr-4050	283	34	p	p	X
fsr-4050	283	35	<	<	X
fsr-4050	283	36	0.01	0.01	NUM
fsr-4050	283	37	;	;	PUNCT
fsr-4050	283	38	95	95	NUM
fsr-4050	283	39	%	%	NOUN
fsr-4050	283	40	ci	ci	NOUN
fsr-4050	284	1	[	[	X
fsr-4050	284	2	0.003	0.003	NUM
fsr-4050	284	3	,	,	PUNCT
fsr-4050	284	4	0.014	0.014	NUM
fsr-4050	284	5	]	]	PUNCT
fsr-4050	284	6	)	)	PUNCT
fsr-4050	284	7	.	.	PUNCT
fsr-4050	285	1	the	the	DET
fsr-4050	285	2	results	result	NOUN
fsr-4050	285	3	indicated	indicate	VERB
fsr-4050	285	4	that	that	SCONJ
fsr-4050	285	5	the	the	DET
fsr-4050	285	6	intention	intention	NOUN
fsr-4050	285	7	to	to	PART
fsr-4050	285	8	use	use	VERB
fsr-4050	285	9	fintech	fintech	NOUN
fsr-4050	285	10	to	to	PART
fsr-4050	285	11	save	save	VERB
fsr-4050	285	12	and	and	CCONJ
fsr-4050	285	13	saving	save	VERB
fsr-4050	285	14	website	website	NOUN
fsr-4050	285	15	use	use	NOUN
fsr-4050	285	16	mediated	mediate	VERB
fsr-4050	285	17	the	the	DET
fsr-4050	285	18	relationships	relationship	NOUN
fsr-4050	285	19	between	between	ADP
fsr-4050	285	20	antecedents	antecedent	NOUN
fsr-4050	285	21	(	(	PUNCT
fsr-4050	285	22	i.e.	i.e.	X
fsr-4050	285	23	,	,	PUNCT
fsr-4050	285	24	attitudes	attitude	NOUN
fsr-4050	285	25	toward	toward	ADP
fsr-4050	285	26	adequate	adequate	ADJ
fsr-4050	285	27	emergency	emergency	NOUN
fsr-4050	285	28	fund	fund	NOUN
fsr-4050	285	29	savings	saving	NOUN
fsr-4050	285	30	,	,	PUNCT
fsr-4050	285	31	subjective	subjective	ADJ
fsr-4050	285	32	norms	norm	NOUN
fsr-4050	285	33	,	,	PUNCT
fsr-4050	285	34	and	and	CCONJ
fsr-4050	285	35	perceived	perceive	VERB
fsr-4050	285	36	behavioral	behavioral	ADJ
fsr-4050	285	37	control	control	NOUN
fsr-4050	285	38	)	)	PUNCT
fsr-4050	285	39	and	and	CCONJ
fsr-4050	285	40	adequate	adequate	ADJ
fsr-4050	285	41	emergency	emergency	NOUN
fsr-4050	285	42	fund	fund	NOUN
fsr-4050	285	43	savings	saving	NOUN
fsr-4050	285	44	.	.	PUNCT
fsr-4050	286	1	table	table	NOUN
fsr-4050	286	2	6	6	NUM
fsr-4050	286	3	.	.	PUNCT
fsr-4050	286	4	standardized	standardized	ADJ
fsr-4050	286	5	estimates	estimate	NOUN
fsr-4050	286	6	for	for	ADP
fsr-4050	286	7	the	the	DET
fsr-4050	286	8	proposed	propose	VERB
fsr-4050	286	9	sem	sem	PROPN
fsr-4050	286	10	model	model	NOUN
fsr-4050	286	11	(	(	PUNCT
fsr-4050	286	12	indirect	indirect	ADJ
fsr-4050	286	13	effect	effect	NOUN
fsr-4050	286	14	)	)	PUNCT
fsr-4050	286	15	standardized	standardized	ADJ
fsr-4050	286	16	estimate	estimate	NOUN
fsr-4050	286	17	(	(	PUNCT
fsr-4050	286	18	se	se	X
fsr-4050	286	19	)	)	PUNCT
fsr-4050	286	20	95	95	NUM
fsr-4050	286	21	%	%	NOUN
fsr-4050	286	22	ci	ci	NOUN
fsr-4050	287	1	ll	ll	AUX
fsr-4050	287	2	ul	ul	VERB
fsr-4050	287	3	attitudes	attitude	NOUN
fsr-4050	287	4	toward	toward	ADP
fsr-4050	287	5	adequate	adequate	ADJ
fsr-4050	287	6	emergency	emergency	NOUN
fsr-4050	287	7	fund	fund	NOUN
fsr-4050	287	8	savings	saving	NOUN
fsr-4050	287	9	→	→	SYM
fsr-4050	287	10	intention	intention	NOUN
fsr-4050	287	11	to	to	PART
fsr-4050	287	12	use	use	VERB
fsr-4050	287	13	fintech	fintech	NOUN
fsr-4050	287	14	to	to	PART
fsr-4050	287	15	save	save	VERB
fsr-4050	287	16	→	→	SYM
fsr-4050	287	17	saving	save	VERB
fsr-4050	287	18	app	app	NOUN
fsr-4050	287	19	use	use	NOUN
fsr-4050	287	20	→	→	PUNCT
fsr-4050	287	21	aadequate	aadequate	ADJ
fsr-4050	287	22	emergency	emergency	NOUN
fsr-4050	287	23	fund	fund	NOUN
fsr-4050	287	24	savings	saving	NOUN
fsr-4050	287	25	0.003	0.003	NUM
fsr-4050	287	26	(	(	PUNCT
fsr-4050	287	27	0.003	0.003	NUM
fsr-4050	287	28	)	)	PUNCT
fsr-4050	287	29	-0.002	-0.002	PUNCT
fsr-4050	288	1	0.008	0.008	NUM
fsr-4050	288	2	subjective	subjective	ADJ
fsr-4050	288	3	norm	norm	NOUN
fsr-4050	288	4	→	→	PUNCT
fsr-4050	288	5	intention	intention	NOUN
fsr-4050	288	6	to	to	PART
fsr-4050	288	7	use	use	VERB
fsr-4050	288	8	fintech	fintech	NOUN
fsr-4050	288	9	to	to	PART
fsr-4050	288	10	save	save	VERB
fsr-4050	288	11	→	→	SYM
fsr-4050	288	12	saving	save	VERB
fsr-4050	288	13	app	app	NOUN
fsr-4050	288	14	use	use	NOUN
fsr-4050	288	15	→	→	PUNCT
fsr-4050	288	16	aadequate	aadequate	ADJ
fsr-4050	288	17	emergency	emergency	NOUN
fsr-4050	288	18	fund	fund	NOUN
fsr-4050	288	19	savings	saving	NOUN
fsr-4050	288	20	-0.003	-0.003	PROPN
fsr-4050	288	21	(	(	PUNCT
fsr-4050	288	22	0.003	0.003	NUM
fsr-4050	288	23	)	)	PUNCT
fsr-4050	288	24	-0.009	-0.009	NUM
fsr-4050	288	25	0.002	0.002	NUM
fsr-4050	288	26	perceived	perceive	VERB
fsr-4050	288	27	behavioral	behavioral	ADJ
fsr-4050	288	28	control	control	NOUN
fsr-4050	288	29	→	→	PUNCT
fsr-4050	288	30	intention	intention	NOUN
fsr-4050	288	31	to	to	PART
fsr-4050	288	32	use	use	VERB
fsr-4050	288	33	fintech	fintech	NOUN
fsr-4050	288	34	to	to	PART
fsr-4050	288	35	save	save	VERB
fsr-4050	288	36	→	→	SYM
fsr-4050	288	37	saving	save	VERB
fsr-4050	288	38	app	app	NOUN
fsr-4050	288	39	use	use	NOUN
fsr-4050	288	40	→	→	PUNCT
fsr-4050	288	41	aadequate	aadequate	ADJ
fsr-4050	288	42	emergency	emergency	NOUN
fsr-4050	288	43	fund	fund	NOUN
fsr-4050	288	44	savings	saving	NOUN
fsr-4050	288	45	-0.005	-0.005	PUNCT
fsr-4050	288	46	(	(	PUNCT
fsr-4050	288	47	0.005	0.005	NUM
fsr-4050	288	48	)	)	PUNCT
fsr-4050	288	49	-0.012	-0.012	NOUN
fsr-4050	288	50	0.003	0.003	NUM
fsr-4050	288	51	attitudes	attitude	NOUN
fsr-4050	288	52	toward	toward	ADP
fsr-4050	288	53	adequate	adequate	ADJ
fsr-4050	288	54	emergency	emergency	NOUN
fsr-4050	288	55	fund	fund	NOUN
fsr-4050	288	56	savings	saving	NOUN
fsr-4050	288	57	→	→	SYM
fsr-4050	288	58	intention	intention	NOUN
fsr-4050	288	59	to	to	PART
fsr-4050	288	60	use	use	VERB
fsr-4050	288	61	fintech	fintech	NOUN
fsr-4050	288	62	to	to	PART
fsr-4050	288	63	save	save	VERB
fsr-4050	288	64	→	→	SYM
fsr-4050	288	65	saving	save	VERB
fsr-4050	288	66	website	website	NOUN
fsr-4050	288	67	use	use	NOUN
fsr-4050	288	68	→	→	PUNCT
fsr-4050	288	69	aadequate	aadequate	ADJ
fsr-4050	288	70	emergency	emergency	NOUN
fsr-4050	288	71	fund	fund	NOUN
fsr-4050	288	72	savings	saving	NOUN
fsr-4050	288	73	-0.005	-0.005	NOUN
fsr-4050	288	74	*	*	PUNCT
fsr-4050	288	75	(	(	PUNCT
fsr-4050	288	76	0.003	0.003	NUM
fsr-4050	288	77	)	)	PUNCT
fsr-4050	288	78	-0.009	-0.009	X
fsr-4050	288	79	-0.001	-0.001	X
fsr-4050	288	80	subjective	subjective	ADJ
fsr-4050	288	81	norm	norm	NOUN
fsr-4050	288	82	→	→	PUNCT
fsr-4050	288	83	intention	intention	NOUN
fsr-4050	288	84	to	to	PART
fsr-4050	288	85	use	use	VERB
fsr-4050	288	86	fintech	fintech	NOUN
fsr-4050	288	87	to	to	PART
fsr-4050	288	88	save	save	VERB
fsr-4050	288	89	→	→	SYM
fsr-4050	288	90	saving	save	VERB
fsr-4050	288	91	website	website	NOUN
fsr-4050	288	92	use	use	NOUN
fsr-4050	288	93	→	→	PUNCT
fsr-4050	288	94	aadequate	aadequate	ADJ
fsr-4050	288	95	emergency	emergency	NOUN
fsr-4050	288	96	fund	fund	NOUN
fsr-4050	288	97	savings	saving	NOUN
fsr-4050	288	98	0.006	0.006	NUM
fsr-4050	288	99	*	*	PUNCT
fsr-4050	288	100	(	(	PUNCT
fsr-4050	288	101	0.003	0.003	NUM
fsr-4050	288	102	)	)	PUNCT
fsr-4050	288	103	0.001	0.001	NUM
fsr-4050	288	104	0.011	0.011	NUM
fsr-4050	288	105	perceived	perceive	VERB
fsr-4050	288	106	behavioral	behavioral	ADJ
fsr-4050	288	107	control	control	NOUN
fsr-4050	288	108	→	→	PUNCT
fsr-4050	288	109	intention	intention	NOUN
fsr-4050	288	110	to	to	PART
fsr-4050	288	111	use	use	VERB
fsr-4050	288	112	fintech	fintech	NOUN
fsr-4050	288	113	to	to	PART
fsr-4050	288	114	save	save	VERB
fsr-4050	288	115	→	→	SYM
fsr-4050	288	116	saving	save	VERB
fsr-4050	288	117	website	website	NOUN
fsr-4050	288	118	use	use	NOUN
fsr-4050	288	119	→	→	PUNCT
fsr-4050	288	120	aadequate	aadequate	ADJ
fsr-4050	288	121	emergency	emergency	NOUN
fsr-4050	288	122	fund	fund	NOUN
fsr-4050	288	123	savings	saving	NOUN
fsr-4050	288	124	0.008	0.008	NOUN
fsr-4050	288	125	*	*	NOUN
fsr-4050	288	126	*	*	PUNCT
fsr-4050	288	127	(	(	PUNCT
fsr-4050	288	128	0.003	0.003	NUM
fsr-4050	288	129	)	)	PUNCT
fsr-4050	288	130	0.003	0.003	NUM
fsr-4050	288	131	0.014	0.014	NUM
fsr-4050	288	132	se	se	PROPN
fsr-4050	288	133	:	:	PUNCT
fsr-4050	288	134	standard	standard	ADJ
fsr-4050	288	135	error	error	NOUN
fsr-4050	288	136	;	;	PUNCT
fsr-4050	288	137	ci	ci	NOUN
fsr-4050	288	138	:	:	PUNCT
fsr-4050	288	139	confidence	confidence	NOUN
fsr-4050	288	140	interval	interval	NOUN
fsr-4050	288	141	;	;	PUNCT
fsr-4050	289	1	ll	ll	AUX
fsr-4050	289	2	:	:	PUNCT
fsr-4050	289	3	lower	low	ADJ
fsr-4050	289	4	limit	limit	NOUN
fsr-4050	289	5	;	;	PUNCT
fsr-4050	289	6	ul	ul	INTJ
fsr-4050	289	7	:	:	PUNCT
fsr-4050	289	8	upper	upper	ADJ
fsr-4050	289	9	limit	limit	NOUN
fsr-4050	289	10	covariate	covariate	NOUN
fsr-4050	289	11	variables	variable	NOUN
fsr-4050	289	12	included	include	VERB
fsr-4050	289	13	in	in	ADP
fsr-4050	289	14	the	the	DET
fsr-4050	289	15	analysis	analysis	NOUN
fsr-4050	289	16	.	.	PUNCT
fsr-4050	290	1	*	*	PUNCT
fsr-4050	290	2	p	p	X
fsr-4050	290	3	<	<	X
fsr-4050	290	4	0.05	0.05	NUM
fsr-4050	290	5	,	,	PUNCT
fsr-4050	290	6	*	*	PUNCT
fsr-4050	290	7	*	*	PUNCT
fsr-4050	290	8	p	p	X
fsr-4050	290	9	<	<	X
fsr-4050	290	10	0.01	0.01	NUM
fsr-4050	290	11	,	,	PUNCT
fsr-4050	290	12	*	*	PUNCT
fsr-4050	290	13	*	*	PUNCT
fsr-4050	290	14	*	*	PUNCT
fsr-4050	290	15	p	p	X
fsr-4050	290	16	<	<	X
fsr-4050	290	17	0.001	0.001	NUM
fsr-4050	290	18	discussion	discussion	NOUN
fsr-4050	290	19	drawing	draw	VERB
fsr-4050	290	20	on	on	ADP
fsr-4050	290	21	the	the	DET
fsr-4050	290	22	tpb	tpb	NOUN
fsr-4050	290	23	(	(	PUNCT
fsr-4050	290	24	ajzen	ajzen	NOUN
fsr-4050	290	25	,	,	PUNCT
fsr-4050	290	26	1991	1991	NUM
fsr-4050	290	27	)	)	PUNCT
fsr-4050	290	28	,	,	PUNCT
fsr-4050	290	29	tam	tam	PROPN
fsr-4050	290	30	(	(	PUNCT
fsr-4050	290	31	davis	davis	PROPN
fsr-4050	290	32	,	,	PUNCT
fsr-4050	290	33	1989	1989	NUM
fsr-4050	290	34	)	)	PUNCT
fsr-4050	290	35	,	,	PUNCT
fsr-4050	290	36	and	and	CCONJ
fsr-4050	290	37	utaut	utaut	NOUN
fsr-4050	290	38	(	(	PUNCT
fsr-4050	290	39	venkatesh	venkatesh	PROPN
fsr-4050	290	40	et	et	PROPN
fsr-4050	290	41	al	al	PROPN
fsr-4050	290	42	.	.	PROPN
fsr-4050	290	43	,	,	PUNCT
fsr-4050	290	44	2003	2003	NUM
fsr-4050	290	45	)	)	PUNCT
fsr-4050	290	46	,	,	PUNCT
fsr-4050	290	47	this	this	DET
fsr-4050	290	48	study	study	NOUN
fsr-4050	290	49	utilized	utilize	VERB
fsr-4050	290	50	primary	primary	ADJ
fsr-4050	290	51	data	datum	NOUN
fsr-4050	290	52	to	to	PART
fsr-4050	290	53	investigate	investigate	VERB
fsr-4050	290	54	the	the	DET
fsr-4050	290	55	effects	effect	NOUN
fsr-4050	290	56	of	of	ADP
fsr-4050	290	57	three	three	NUM
fsr-4050	290	58	key	key	ADJ
fsr-4050	290	59	antecedents	antecedent	NOUN
fsr-4050	290	60	(	(	PUNCT
fsr-4050	290	61	i.e.	i.e.	X
fsr-4050	290	62	,	,	PUNCT
fsr-4050	290	63	attitudes	attitude	NOUN
fsr-4050	290	64	,	,	PUNCT
fsr-4050	290	65	subjective	subjective	ADJ
fsr-4050	290	66	norms	norm	NOUN
fsr-4050	290	67	,	,	PUNCT
fsr-4050	290	68	perceived	perceive	VERB
fsr-4050	290	69	behavioral	behavioral	ADJ
fsr-4050	290	70	control	control	NOUN
fsr-4050	290	71	)	)	PUNCT
fsr-4050	290	72	on	on	ADP
fsr-4050	290	73	adequate	adequate	ADJ
fsr-4050	290	74	emergency	emergency	NOUN
fsr-4050	290	75	fund	fund	NOUN
fsr-4050	290	76	savings	saving	NOUN
fsr-4050	290	77	through	through	ADP
fsr-4050	290	78	the	the	DET
fsr-4050	290	79	intention	intention	NOUN
fsr-4050	290	80	to	to	PART
fsr-4050	290	81	use	use	VERB
fsr-4050	290	82	fintech	fintech	NOUN
fsr-4050	290	83	to	to	PART
fsr-4050	290	84	save	save	VERB
fsr-4050	290	85	and	and	CCONJ
fsr-4050	290	86	actual	actual	ADJ
fsr-4050	290	87	fintech	fintech	NOUN
fsr-4050	290	88	use	use	NOUN
fsr-4050	290	89	(	(	PUNCT
fsr-4050	290	90	i.e.	i.e.	X
fsr-4050	290	91	,	,	PUNCT
fsr-4050	290	92	saving	save	VERB
fsr-4050	290	93	app	app	NOUN
fsr-4050	290	94	and	and	CCONJ
fsr-4050	290	95	saving	save	VERB
fsr-4050	290	96	website	website	NOUN
fsr-4050	290	97	)	)	PUNCT
fsr-4050	290	98	.	.	PUNCT
fsr-4050	291	1	first	first	ADV
fsr-4050	291	2	,	,	PUNCT
fsr-4050	291	3	we	we	PRON
fsr-4050	291	4	explored	explore	VERB
fsr-4050	291	5	the	the	DET
fsr-4050	291	6	associations	association	NOUN
fsr-4050	291	7	between	between	ADP
fsr-4050	291	8	antecedents	antecedent	NOUN
fsr-4050	291	9	and	and	CCONJ
fsr-4050	291	10	intention	intention	NOUN
fsr-4050	291	11	to	to	PART
fsr-4050	291	12	use	use	VERB
fsr-4050	291	13	fintech	fintech	NOUN
fsr-4050	291	14	to	to	PART
fsr-4050	291	15	save	save	VERB
fsr-4050	291	16	.	.	PUNCT
fsr-4050	292	1	the	the	DET
fsr-4050	292	2	findings	finding	NOUN
fsr-4050	292	3	revealed	reveal	VERB
fsr-4050	292	4	that	that	SCONJ
fsr-4050	292	5	all	all	DET
fsr-4050	292	6	three	three	NUM
fsr-4050	292	7	antecedents	antecedent	NOUN
fsr-4050	292	8	–	–	PUNCT
fsr-4050	292	9	attitudes	attitude	NOUN
fsr-4050	292	10	toward	toward	ADP
fsr-4050	292	11	adequate	adequate	ADJ
fsr-4050	292	12	emergency	emergency	NOUN
fsr-4050	292	13	savings	saving	NOUN
fsr-4050	292	14	,	,	PUNCT
fsr-4050	292	15	subjective	subjective	ADJ
fsr-4050	292	16	norms	norm	NOUN
fsr-4050	292	17	,	,	PUNCT
fsr-4050	292	18	and	and	CCONJ
fsr-4050	292	19	perceived	perceive	VERB
fsr-4050	292	20	behavioral	behavioral	ADJ
fsr-4050	292	21	control	control	NOUN
fsr-4050	292	22	significantly	significantly	ADV
fsr-4050	292	23	influenced	influence	VERB
fsr-4050	292	24	the	the	DET
fsr-4050	292	25	intention	intention	NOUN
fsr-4050	292	26	to	to	PART
fsr-4050	292	27	use	use	VERB
fsr-4050	292	28	fintech	fintech	NOUN
fsr-4050	292	29	to	to	PART
fsr-4050	292	30	save	save	VERB
fsr-4050	292	31	.	.	PUNCT
fsr-4050	293	1	moreover	moreover	ADV
fsr-4050	293	2	,	,	PUNCT
fsr-4050	293	3	perceived	perceive	VERB
fsr-4050	293	4	behavioral	behavioral	ADJ
fsr-4050	293	5	control	control	NOUN
fsr-4050	293	6	directly	directly	ADV
fsr-4050	293	7	affected	affect	VERB
fsr-4050	293	8	adequate	adequate	ADJ
fsr-4050	293	9	emergency	emergency	NOUN
fsr-4050	293	10	fund	fund	NOUN
fsr-4050	293	11	savings	saving	NOUN
fsr-4050	293	12	.	.	PUNCT
fsr-4050	294	1	second	second	ADJ
fsr-4050	294	2	,	,	PUNCT
fsr-4050	294	3	we	we	PRON
fsr-4050	294	4	also	also	ADV
fsr-4050	294	5	found	find	VERB
fsr-4050	294	6	that	that	SCONJ
fsr-4050	294	7	the	the	DET
fsr-4050	294	8	intention	intention	NOUN
fsr-4050	294	9	to	to	PART
fsr-4050	294	10	use	use	VERB
fsr-4050	294	11	fintech	fintech	NOUN
fsr-4050	294	12	to	to	PART
fsr-4050	294	13	save	save	VERB
fsr-4050	294	14	and	and	CCONJ
fsr-4050	294	15	actual	actual	ADJ
fsr-4050	294	16	fintech	fintech	NOUN
fsr-4050	294	17	use	use	NOUN
fsr-4050	294	18	(	(	PUNCT
fsr-4050	294	19	i.e.	i.e.	X
fsr-4050	294	20	,	,	PUNCT
fsr-4050	294	21	saving	save	VERB
fsr-4050	294	22	website	website	NOUN
fsr-4050	294	23	use	use	NOUN
fsr-4050	294	24	)	)	PUNCT
fsr-4050	294	25	are	be	AUX
fsr-4050	294	26	critical	critical	ADJ
fsr-4050	294	27	mediators	mediator	NOUN
fsr-4050	294	28	of	of	ADP
fsr-4050	294	29	the	the	DET
fsr-4050	294	30	relationships	relationship	NOUN
fsr-4050	294	31	between	between	ADP
fsr-4050	294	32	antecedents	antecedent	NOUN
fsr-4050	294	33	and	and	CCONJ
fsr-4050	294	34	adequate	adequate	ADJ
fsr-4050	294	35	emergency	emergency	NOUN
fsr-4050	294	36	fund	fund	NOUN
fsr-4050	294	37	savings	saving	NOUN
fsr-4050	294	38	.	.	PUNCT
fsr-4050	295	1	interestingly	interestingly	ADV
fsr-4050	295	2	,	,	PUNCT
fsr-4050	295	3	we	we	PRON
fsr-4050	295	4	found	find	VERB
fsr-4050	295	5	a	a	DET
fsr-4050	295	6	negative	negative	ADJ
fsr-4050	295	7	relationship	relationship	NOUN
fsr-4050	295	8	between	between	ADP
fsr-4050	295	9	attitudes	attitude	NOUN
fsr-4050	295	10	toward	toward	ADP
fsr-4050	295	11	adequate	adequate	ADJ
fsr-4050	295	12	emergency	emergency	NOUN
fsr-4050	295	13	fund	fund	NOUN
fsr-4050	295	14	savings	saving	NOUN
fsr-4050	295	15	and	and	CCONJ
fsr-4050	295	16	intention	intention	NOUN
fsr-4050	295	17	to	to	PART
fsr-4050	295	18	use	use	VERB
fsr-4050	295	19	fintech	fintech	NOUN
fsr-4050	295	20	to	to	PART
fsr-4050	295	21	save	save	VERB
fsr-4050	295	22	,	,	PUNCT
fsr-4050	295	23	which	which	PRON
fsr-4050	295	24	does	do	AUX
fsr-4050	295	25	not	not	PART
fsr-4050	295	26	support	support	VERB
fsr-4050	295	27	h1	h1	PROPN
fsr-4050	295	28	.	.	PUNCT
fsr-4050	296	1	this	this	DET
fsr-4050	296	2	unexpected	unexpected	ADJ
fsr-4050	296	3	result	result	NOUN
fsr-4050	296	4	can	can	AUX
fsr-4050	296	5	be	be	AUX
fsr-4050	296	6	supported	support	VERB
fsr-4050	296	7	by	by	ADP
fsr-4050	296	8	previous	previous	ADJ
fsr-4050	296	9	research	research	NOUN
fsr-4050	296	10	(	(	PUNCT
fsr-4050	296	11	ajzen	ajzen	ADJ
fsr-4050	296	12	,	,	PUNCT
fsr-4050	296	13	2006	2006	NUM
fsr-4050	296	14	;	;	PUNCT
fsr-4050	297	1	chen	chen	PROPN
fsr-4050	297	2	et	et	PROPN
fsr-4050	297	3	al	al	PROPN
fsr-4050	297	4	.	.	PROPN
fsr-4050	297	5	37	37	NUM
fsr-4050	297	6	bagozzi	bagozzi	NOUN
fsr-4050	297	7	,	,	PUNCT
fsr-4050	297	8	1992	1992	NUM
fsr-4050	297	9	;	;	PUNCT
fsr-4050	297	10	davis	davis	PROPN
fsr-4050	297	11	,	,	PUNCT
fsr-4050	297	12	1989	1989	NUM
fsr-4050	297	13	;	;	PUNCT
fsr-4050	297	14	vermeir	vermeir	PROPN
fsr-4050	297	15	&	&	CCONJ
fsr-4050	297	16	verbeke	verbeke	PROPN
fsr-4050	297	17	,	,	PUNCT
fsr-4050	297	18	2006	2006	NUM
fsr-4050	297	19	)	)	PUNCT
fsr-4050	297	20	,	,	PUNCT
fsr-4050	297	21	stating	state	VERB
fsr-4050	297	22	that	that	SCONJ
fsr-4050	297	23	other	other	ADJ
fsr-4050	297	24	factors	factor	NOUN
fsr-4050	297	25	(	(	PUNCT
fsr-4050	297	26	i.e.	i.e.	X
fsr-4050	297	27	,	,	PUNCT
fsr-4050	297	28	desires	desire	NOUN
fsr-4050	297	29	,	,	PUNCT
fsr-4050	297	30	personal	personal	ADJ
fsr-4050	297	31	values	value	NOUN
fsr-4050	297	32	,	,	PUNCT
fsr-4050	297	33	needs	need	NOUN
fsr-4050	297	34	,	,	PUNCT
fsr-4050	297	35	information	information	NOUN
fsr-4050	297	36	,	,	PUNCT
fsr-4050	297	37	knowledge	knowledge	NOUN
fsr-4050	297	38	)	)	PUNCT
fsr-4050	297	39	influence	influence	NOUN
fsr-4050	297	40	the	the	DET
fsr-4050	297	41	attitude	attitude	NOUN
fsr-4050	297	42	-	-	PUNCT
fsr-4050	297	43	intention	intention	NOUN
fsr-4050	297	44	relationship	relationship	NOUN
fsr-4050	297	45	.	.	PUNCT
fsr-4050	298	1	therefore	therefore	ADV
fsr-4050	298	2	,	,	PUNCT
fsr-4050	298	3	financial	financial	ADJ
fsr-4050	298	4	goals	goal	NOUN
fsr-4050	298	5	may	may	AUX
fsr-4050	298	6	moderate	moderate	VERB
fsr-4050	298	7	the	the	DET
fsr-4050	298	8	relationship	relationship	NOUN
fsr-4050	298	9	between	between	ADP
fsr-4050	298	10	attitudes	attitude	NOUN
fsr-4050	298	11	toward	toward	ADP
fsr-4050	298	12	adequate	adequate	ADJ
fsr-4050	298	13	emergency	emergency	NOUN
fsr-4050	298	14	fund	fund	NOUN
fsr-4050	298	15	savings	saving	NOUN
fsr-4050	298	16	and	and	CCONJ
fsr-4050	298	17	intention	intention	NOUN
fsr-4050	298	18	to	to	PART
fsr-4050	298	19	use	use	VERB
fsr-4050	298	20	fintech	fintech	NOUN
fsr-4050	298	21	to	to	PART
fsr-4050	298	22	save	save	VERB
fsr-4050	298	23	.	.	PUNCT
fsr-4050	299	1	also	also	ADV
fsr-4050	299	2	,	,	PUNCT
fsr-4050	299	3	people	people	NOUN
fsr-4050	299	4	with	with	ADP
fsr-4050	299	5	a	a	DET
fsr-4050	299	6	favorable	favorable	ADJ
fsr-4050	299	7	attitude	attitude	NOUN
fsr-4050	299	8	toward	toward	ADP
fsr-4050	299	9	adequate	adequate	ADJ
fsr-4050	299	10	emergency	emergency	NOUN
fsr-4050	299	11	fund	fund	NOUN
fsr-4050	299	12	savings	saving	NOUN
fsr-4050	299	13	might	might	AUX
fsr-4050	299	14	lack	lack	VERB
fsr-4050	299	15	financial	financial	ADJ
fsr-4050	299	16	knowledge	knowledge	NOUN
fsr-4050	299	17	about	about	ADP
fsr-4050	299	18	fintech	fintech	NOUN
fsr-4050	299	19	and	and	CCONJ
fsr-4050	299	20	trust	trust	NOUN
fsr-4050	299	21	,	,	PUNCT
fsr-4050	299	22	preventing	prevent	VERB
fsr-4050	299	23	them	they	PRON
fsr-4050	299	24	from	from	ADP
fsr-4050	299	25	intending	intend	VERB
fsr-4050	299	26	to	to	PART
fsr-4050	299	27	use	use	VERB
fsr-4050	299	28	fintech	fintech	NOUN
fsr-4050	299	29	(	(	PUNCT
fsr-4050	299	30	khan	khan	PROPN
fsr-4050	299	31	et	et	PROPN
fsr-4050	299	32	al	al	PROPN
fsr-4050	299	33	.	.	PROPN
fsr-4050	299	34	,	,	PUNCT
fsr-4050	299	35	2023	2023	NUM
fsr-4050	299	36	)	)	PUNCT
fsr-4050	299	37	.	.	PUNCT
fsr-4050	300	1	further	further	ADJ
fsr-4050	300	2	investigation	investigation	NOUN
fsr-4050	300	3	should	should	AUX
fsr-4050	300	4	be	be	AUX
fsr-4050	300	5	undertaken	undertake	VERB
fsr-4050	300	6	into	into	ADP
fsr-4050	300	7	other	other	ADJ
fsr-4050	300	8	factors	factor	NOUN
fsr-4050	300	9	.	.	PUNCT
fsr-4050	301	1	consistent	consistent	ADJ
fsr-4050	301	2	with	with	ADP
fsr-4050	301	3	the	the	DET
fsr-4050	301	4	h2	h2	NOUN
fsr-4050	301	5	,	,	PUNCT
fsr-4050	301	6	the	the	DET
fsr-4050	301	7	result	result	NOUN
fsr-4050	301	8	shows	show	VERB
fsr-4050	301	9	that	that	SCONJ
fsr-4050	301	10	the	the	DET
fsr-4050	301	11	subjective	subjective	ADJ
fsr-4050	301	12	norms	norm	NOUN
fsr-4050	301	13	are	be	AUX
fsr-4050	301	14	positively	positively	ADV
fsr-4050	301	15	associated	associate	VERB
fsr-4050	301	16	with	with	ADP
fsr-4050	301	17	the	the	DET
fsr-4050	301	18	intention	intention	NOUN
fsr-4050	301	19	to	to	PART
fsr-4050	301	20	use	use	VERB
fsr-4050	301	21	fintech	fintech	NOUN
fsr-4050	301	22	to	to	PART
fsr-4050	301	23	save	save	VERB
fsr-4050	301	24	.	.	PUNCT
fsr-4050	302	1	in	in	ADP
fsr-4050	302	2	other	other	ADJ
fsr-4050	302	3	words	word	NOUN
fsr-4050	302	4	,	,	PUNCT
fsr-4050	302	5	families	family	NOUN
fsr-4050	302	6	’	'	PUNCT
fsr-4050	302	7	and	and	CCONJ
fsr-4050	302	8	friends	friend	NOUN
fsr-4050	302	9	’	'	PUNCT
fsr-4050	302	10	perceptions	perception	NOUN
fsr-4050	302	11	of	of	ADP
fsr-4050	302	12	the	the	DET
fsr-4050	302	13	importance	importance	NOUN
fsr-4050	302	14	of	of	ADP
fsr-4050	302	15	emergency	emergency	NOUN
fsr-4050	302	16	fund	fund	NOUN
fsr-4050	302	17	savings	saving	NOUN
fsr-4050	302	18	impact	impact	NOUN
fsr-4050	302	19	a	a	DET
fsr-4050	302	20	household	household	NOUN
fsr-4050	302	21	's	's	PART
fsr-4050	302	22	intention	intention	NOUN
fsr-4050	302	23	to	to	PART
fsr-4050	302	24	use	use	VERB
fsr-4050	302	25	apps	app	NOUN
fsr-4050	302	26	or	or	CCONJ
fsr-4050	302	27	websites	website	NOUN
fsr-4050	302	28	for	for	ADP
fsr-4050	302	29	savings	saving	NOUN
fsr-4050	302	30	.	.	PUNCT
fsr-4050	303	1	perceived	perceive	VERB
fsr-4050	303	2	behavioral	behavioral	ADJ
fsr-4050	303	3	control	control	NOUN
fsr-4050	303	4	is	be	AUX
fsr-4050	303	5	associated	associate	VERB
fsr-4050	303	6	significantly	significantly	ADV
fsr-4050	303	7	with	with	ADP
fsr-4050	303	8	an	an	DET
fsr-4050	303	9	intention	intention	NOUN
fsr-4050	303	10	to	to	PART
fsr-4050	303	11	use	use	VERB
fsr-4050	303	12	fintech	fintech	NOUN
fsr-4050	303	13	to	to	PART
fsr-4050	303	14	save	save	VERB
fsr-4050	303	15	and	and	CCONJ
fsr-4050	303	16	adequate	adequate	ADJ
fsr-4050	303	17	emergency	emergency	NOUN
fsr-4050	303	18	fund	fund	NOUN
fsr-4050	303	19	savings	saving	NOUN
fsr-4050	303	20	,	,	PUNCT
fsr-4050	303	21	respectively	respectively	ADV
fsr-4050	303	22	.	.	PUNCT
fsr-4050	304	1	the	the	DET
fsr-4050	304	2	result	result	NOUN
fsr-4050	304	3	supports	support	VERB
fsr-4050	304	4	h3	h3	NOUN
fsr-4050	304	5	,	,	PUNCT
fsr-4050	304	6	stating	state	VERB
fsr-4050	304	7	a	a	DET
fsr-4050	304	8	positive	positive	ADJ
fsr-4050	304	9	relationship	relationship	NOUN
fsr-4050	304	10	exists	exist	VERB
fsr-4050	304	11	between	between	ADP
fsr-4050	304	12	perceived	perceive	VERB
fsr-4050	304	13	behavioral	behavioral	ADJ
fsr-4050	304	14	control	control	NOUN
fsr-4050	304	15	and	and	CCONJ
fsr-4050	304	16	intention	intention	NOUN
fsr-4050	304	17	.	.	PUNCT
fsr-4050	305	1	households	household	NOUN
fsr-4050	305	2	who	who	PRON
fsr-4050	305	3	feel	feel	VERB
fsr-4050	305	4	they	they	PRON
fsr-4050	305	5	have	have	VERB
fsr-4050	305	6	control	control	NOUN
fsr-4050	305	7	over	over	ADP
fsr-4050	305	8	their	their	PRON
fsr-4050	305	9	savings	saving	NOUN
fsr-4050	305	10	for	for	ADP
fsr-4050	305	11	emergencies	emergency	NOUN
fsr-4050	305	12	are	be	AUX
fsr-4050	305	13	more	more	ADV
fsr-4050	305	14	likely	likely	ADJ
fsr-4050	305	15	to	to	PART
fsr-4050	305	16	use	use	VERB
fsr-4050	305	17	fintech	fintech	NOUN
fsr-4050	305	18	to	to	PART
fsr-4050	305	19	save	save	VERB
fsr-4050	305	20	.	.	PUNCT
fsr-4050	306	1	as	as	SCONJ
fsr-4050	306	2	ajzen	ajzen	NOUN
fsr-4050	306	3	's	's	PART
fsr-4050	306	4	(	(	PUNCT
fsr-4050	306	5	1991	1991	NUM
fsr-4050	306	6	)	)	PUNCT
fsr-4050	306	7	tpb	tpb	NOUN
fsr-4050	306	8	indicated	indicate	VERB
fsr-4050	306	9	,	,	PUNCT
fsr-4050	306	10	perceived	perceive	VERB
fsr-4050	306	11	behavioral	behavioral	ADJ
fsr-4050	306	12	control	control	NOUN
fsr-4050	306	13	is	be	AUX
fsr-4050	306	14	a	a	DET
fsr-4050	306	15	critical	critical	ADJ
fsr-4050	306	16	factor	factor	NOUN
fsr-4050	306	17	affecting	affect	VERB
fsr-4050	306	18	the	the	DET
fsr-4050	306	19	intention	intention	NOUN
fsr-4050	306	20	to	to	PART
fsr-4050	306	21	act	act	VERB
fsr-4050	306	22	.	.	PUNCT
fsr-4050	307	1	consistent	consistent	ADJ
fsr-4050	307	2	with	with	ADP
fsr-4050	307	3	h4	h4	PROPN
fsr-4050	307	4	and	and	CCONJ
fsr-4050	307	5	findings	finding	NOUN
fsr-4050	307	6	from	from	ADP
fsr-4050	307	7	xiao	xiao	PROPN
fsr-4050	307	8	et	et	PROPN
fsr-4050	307	9	al	al	PROPN
fsr-4050	307	10	.	.	PROPN
fsr-4050	308	1	(	(	PUNCT
fsr-4050	308	2	2011	2011	NUM
fsr-4050	308	3	)	)	PUNCT
fsr-4050	308	4	,	,	PUNCT
fsr-4050	308	5	results	result	NOUN
fsr-4050	308	6	show	show	VERB
fsr-4050	308	7	that	that	SCONJ
fsr-4050	308	8	perceived	perceive	VERB
fsr-4050	308	9	behavioral	behavioral	ADJ
fsr-4050	308	10	control	control	NOUN
fsr-4050	308	11	is	be	AUX
fsr-4050	308	12	a	a	DET
fsr-4050	308	13	strong	strong	ADJ
fsr-4050	308	14	indicator	indicator	NOUN
fsr-4050	308	15	of	of	ADP
fsr-4050	308	16	maintaining	maintain	VERB
fsr-4050	308	17	adequate	adequate	ADJ
fsr-4050	308	18	emergency	emergency	NOUN
fsr-4050	308	19	fund	fund	NOUN
fsr-4050	308	20	savings	saving	NOUN
fsr-4050	308	21	,	,	PUNCT
fsr-4050	308	22	suggesting	suggest	VERB
fsr-4050	308	23	that	that	SCONJ
fsr-4050	308	24	people	people	NOUN
fsr-4050	308	25	who	who	PRON
fsr-4050	308	26	are	be	AUX
fsr-4050	308	27	capable	capable	ADJ
fsr-4050	308	28	of	of	ADP
fsr-4050	308	29	managing	manage	VERB
fsr-4050	308	30	funds	fund	NOUN
fsr-4050	308	31	are	be	AUX
fsr-4050	308	32	more	more	ADV
fsr-4050	308	33	likely	likely	ADJ
fsr-4050	308	34	to	to	PART
fsr-4050	308	35	maintain	maintain	VERB
fsr-4050	308	36	adequate	adequate	ADJ
fsr-4050	308	37	emergency	emergency	NOUN
fsr-4050	308	38	fund	fund	NOUN
fsr-4050	308	39	savings	saving	NOUN
fsr-4050	308	40	.	.	PUNCT
fsr-4050	309	1	the	the	DET
fsr-4050	309	2	results	result	NOUN
fsr-4050	309	3	also	also	ADV
fsr-4050	309	4	show	show	VERB
fsr-4050	309	5	that	that	SCONJ
fsr-4050	309	6	the	the	DET
fsr-4050	309	7	intention	intention	NOUN
fsr-4050	309	8	to	to	PART
fsr-4050	309	9	use	use	VERB
fsr-4050	309	10	fintech	fintech	NOUN
fsr-4050	309	11	to	to	PART
fsr-4050	309	12	save	save	VERB
fsr-4050	309	13	is	be	AUX
fsr-4050	309	14	positively	positively	ADV
fsr-4050	309	15	associated	associate	VERB
fsr-4050	309	16	with	with	ADP
fsr-4050	309	17	two	two	NUM
fsr-4050	309	18	forms	form	NOUN
fsr-4050	309	19	of	of	ADP
fsr-4050	309	20	actual	actual	ADJ
fsr-4050	309	21	fintech	fintech	NOUN
fsr-4050	309	22	use	use	NOUN
fsr-4050	309	23	:	:	PUNCT
fsr-4050	309	24	saving	save	VERB
fsr-4050	309	25	apps	app	NOUN
fsr-4050	309	26	and	and	CCONJ
fsr-4050	309	27	websites	website	NOUN
fsr-4050	309	28	.	.	PUNCT
fsr-4050	310	1	these	these	DET
fsr-4050	310	2	results	result	NOUN
fsr-4050	310	3	support	support	VERB
fsr-4050	310	4	h5	h5	NOUN
fsr-4050	310	5	and	and	CCONJ
fsr-4050	310	6	h6	h6	PROPN
fsr-4050	310	7	and	and	CCONJ
fsr-4050	310	8	echo	echo	VERB
fsr-4050	310	9	the	the	DET
fsr-4050	310	10	previous	previous	ADJ
fsr-4050	310	11	research	research	NOUN
fsr-4050	310	12	on	on	ADP
fsr-4050	310	13	technology	technology	NOUN
fsr-4050	310	14	use	use	NOUN
fsr-4050	310	15	:	:	PUNCT
fsr-4050	310	16	intention	intention	NOUN
fsr-4050	310	17	to	to	PART
fsr-4050	310	18	use	use	VERB
fsr-4050	310	19	technology	technology	NOUN
fsr-4050	310	20	predicts	predict	VERB
fsr-4050	310	21	its	its	PRON
fsr-4050	310	22	actual	actual	ADJ
fsr-4050	310	23	adoption	adoption	NOUN
fsr-4050	310	24	(	(	PUNCT
fsr-4050	310	25	davis	davis	PROPN
fsr-4050	310	26	,	,	PUNCT
fsr-4050	310	27	1989	1989	NUM
fsr-4050	310	28	;	;	PUNCT
fsr-4050	310	29	davis	davis	PROPN
fsr-4050	310	30	et	et	PROPN
fsr-4050	310	31	al	al	PROPN
fsr-4050	310	32	.	.	PROPN
fsr-4050	310	33	,	,	PUNCT
fsr-4050	310	34	1989	1989	NUM
fsr-4050	310	35	;	;	PUNCT
fsr-4050	310	36	venkatesh	venkatesh	PROPN
fsr-4050	310	37	et	et	PROPN
fsr-4050	310	38	al	al	PROPN
fsr-4050	310	39	.	.	PROPN
fsr-4050	310	40	,	,	PUNCT
fsr-4050	310	41	2003	2003	NUM
fsr-4050	310	42	)	)	PUNCT
fsr-4050	310	43	.	.	PUNCT
fsr-4050	311	1	it	it	PRON
fsr-4050	311	2	implies	imply	VERB
fsr-4050	311	3	that	that	SCONJ
fsr-4050	311	4	if	if	SCONJ
fsr-4050	311	5	consumers	consumer	NOUN
fsr-4050	311	6	strongly	strongly	ADV
fsr-4050	311	7	intend	intend	VERB
fsr-4050	311	8	to	to	PART
fsr-4050	311	9	use	use	VERB
fsr-4050	311	10	fintech	fintech	NOUN
fsr-4050	311	11	to	to	PART
fsr-4050	311	12	save	save	VERB
fsr-4050	311	13	,	,	PUNCT
fsr-4050	311	14	they	they	PRON
fsr-4050	311	15	will	will	AUX
fsr-4050	311	16	actually	actually	ADV
fsr-4050	311	17	use	use	VERB
fsr-4050	311	18	it	it	PRON
fsr-4050	311	19	for	for	ADP
fsr-4050	311	20	emergency	emergency	NOUN
fsr-4050	311	21	funds	fund	NOUN
fsr-4050	311	22	regardless	regardless	ADV
fsr-4050	311	23	of	of	ADP
fsr-4050	311	24	its	its	PRON
fsr-4050	311	25	form	form	NOUN
fsr-4050	311	26	.	.	PUNCT
fsr-4050	312	1	however	however	ADV
fsr-4050	312	2	,	,	PUNCT
fsr-4050	312	3	the	the	DET
fsr-4050	312	4	relationship	relationship	NOUN
fsr-4050	312	5	between	between	ADP
fsr-4050	312	6	actual	actual	ADJ
fsr-4050	312	7	fintech	fintech	NOUN
fsr-4050	312	8	use	use	NOUN
fsr-4050	312	9	and	and	CCONJ
fsr-4050	312	10	adequate	adequate	ADJ
fsr-4050	312	11	emergency	emergency	NOUN
fsr-4050	312	12	fund	fund	NOUN
fsr-4050	312	13	savings	saving	NOUN
fsr-4050	312	14	depends	depend	VERB
fsr-4050	312	15	on	on	ADP
fsr-4050	312	16	the	the	DET
fsr-4050	312	17	forms	form	NOUN
fsr-4050	312	18	of	of	ADP
fsr-4050	312	19	fintech	fintech	NOUN
fsr-4050	312	20	used	use	VERB
fsr-4050	312	21	.	.	PUNCT
fsr-4050	313	1	saving	save	VERB
fsr-4050	313	2	website	website	NOUN
fsr-4050	313	3	use	use	NOUN
fsr-4050	313	4	is	be	AUX
fsr-4050	313	5	positively	positively	ADV
fsr-4050	313	6	associated	associate	VERB
fsr-4050	313	7	with	with	ADP
fsr-4050	313	8	adequate	adequate	ADJ
fsr-4050	313	9	emergency	emergency	NOUN
fsr-4050	313	10	fund	fund	NOUN
fsr-4050	313	11	savings	saving	NOUN
fsr-4050	313	12	,	,	PUNCT
fsr-4050	313	13	which	which	PRON
fsr-4050	313	14	supports	support	VERB
fsr-4050	313	15	h8	h8	PROPN
fsr-4050	313	16	.	.	PUNCT
fsr-4050	314	1	however	however	ADV
fsr-4050	314	2	,	,	PUNCT
fsr-4050	314	3	saving	save	VERB
fsr-4050	314	4	app	app	NOUN
fsr-4050	314	5	use	use	NOUN
fsr-4050	314	6	is	be	AUX
fsr-4050	314	7	nonsignificant	nonsignificant	ADJ
fsr-4050	314	8	in	in	ADP
fsr-4050	314	9	predicting	predict	VERB
fsr-4050	314	10	adequate	adequate	ADJ
fsr-4050	314	11	emergency	emergency	NOUN
fsr-4050	314	12	fund	fund	NOUN
fsr-4050	314	13	savings	saving	NOUN
fsr-4050	314	14	.	.	PUNCT
fsr-4050	315	1	therefore	therefore	ADV
fsr-4050	315	2	,	,	PUNCT
fsr-4050	315	3	h7	h7	PROPN
fsr-4050	315	4	is	be	AUX
fsr-4050	315	5	not	not	PART
fsr-4050	315	6	supported	support	VERB
fsr-4050	315	7	.	.	PUNCT
fsr-4050	316	1	this	this	DET
fsr-4050	316	2	discrepancy	discrepancy	NOUN
fsr-4050	316	3	might	might	AUX
fsr-4050	316	4	be	be	AUX
fsr-4050	316	5	explained	explain	VERB
fsr-4050	316	6	by	by	ADP
fsr-4050	316	7	the	the	DET
fsr-4050	316	8	habits	habit	NOUN
fsr-4050	316	9	of	of	ADP
fsr-4050	316	10	using	use	VERB
fsr-4050	316	11	a	a	DET
fsr-4050	316	12	specific	specific	ADJ
fsr-4050	316	13	type	type	NOUN
fsr-4050	316	14	of	of	ADP
fsr-4050	316	15	fintech	fintech	NOUN
fsr-4050	316	16	for	for	ADP
fsr-4050	316	17	savings	saving	NOUN
fsr-4050	316	18	(	(	PUNCT
fsr-4050	316	19	conner	conner	PROPN
fsr-4050	316	20	&	&	CCONJ
fsr-4050	316	21	armitage	armitage	PROPN
fsr-4050	316	22	,	,	PUNCT
fsr-4050	316	23	1998	1998	NUM
fsr-4050	316	24	;	;	PUNCT
fsr-4050	316	25	venkatesh	venkatesh	PROPN
fsr-4050	316	26	et	et	PROPN
fsr-4050	316	27	al	al	PROPN
fsr-4050	316	28	.	.	PROPN
fsr-4050	316	29	,	,	PUNCT
fsr-4050	316	30	2023	2023	NUM
fsr-4050	316	31	)	)	PUNCT
fsr-4050	316	32	.	.	PUNCT
fsr-4050	317	1	consumers	consumer	NOUN
fsr-4050	317	2	have	have	AUX
fsr-4050	317	3	been	be	AUX
fsr-4050	317	4	using	use	VERB
fsr-4050	317	5	websites	website	NOUN
fsr-4050	317	6	for	for	ADP
fsr-4050	317	7	a	a	DET
fsr-4050	317	8	long	long	ADJ
fsr-4050	317	9	time	time	NOUN
fsr-4050	317	10	and	and	CCONJ
fsr-4050	317	11	thus	thus	ADV
fsr-4050	317	12	may	may	AUX
fsr-4050	317	13	prefer	prefer	VERB
fsr-4050	317	14	to	to	PART
fsr-4050	317	15	use	use	VERB
fsr-4050	317	16	websites	website	NOUN
fsr-4050	317	17	to	to	PART
fsr-4050	317	18	perform	perform	VERB
fsr-4050	317	19	financial	financial	ADJ
fsr-4050	317	20	activities	activity	NOUN
fsr-4050	317	21	,	,	PUNCT
fsr-4050	317	22	including	include	VERB
fsr-4050	317	23	emergency	emergency	NOUN
fsr-4050	317	24	fund	fund	NOUN
fsr-4050	317	25	savings	saving	NOUN
fsr-4050	317	26	.	.	PUNCT
fsr-4050	318	1	another	another	DET
fsr-4050	318	2	explanation	explanation	NOUN
fsr-4050	318	3	is	be	AUX
fsr-4050	318	4	the	the	DET
fsr-4050	318	5	difference	difference	NOUN
fsr-4050	318	6	in	in	ADP
fsr-4050	318	7	screen	screen	NOUN
fsr-4050	318	8	size	size	NOUN
fsr-4050	318	9	between	between	ADP
fsr-4050	318	10	mobile	mobile	ADJ
fsr-4050	318	11	devices	device	NOUN
fsr-4050	318	12	and	and	CCONJ
fsr-4050	318	13	computers	computer	NOUN
fsr-4050	318	14	.	.	PUNCT
fsr-4050	319	1	for	for	ADP
fsr-4050	319	2	example	example	NOUN
fsr-4050	319	3	,	,	PUNCT
fsr-4050	319	4	using	use	VERB
fsr-4050	319	5	websites	website	NOUN
fsr-4050	319	6	on	on	ADP
fsr-4050	319	7	a	a	DET
fsr-4050	319	8	laptop	laptop	NOUN
fsr-4050	319	9	or	or	CCONJ
fsr-4050	319	10	computer	computer	NOUN
fsr-4050	319	11	with	with	ADP
fsr-4050	319	12	a	a	DET
fsr-4050	319	13	larger	large	ADJ
fsr-4050	319	14	screen	screen	NOUN
fsr-4050	319	15	enables	enable	VERB
fsr-4050	319	16	multitasking	multitaske	VERB
fsr-4050	319	17	and	and	CCONJ
fsr-4050	319	18	improves	improve	VERB
fsr-4050	319	19	the	the	DET
fsr-4050	319	20	efficiency	efficiency	NOUN
fsr-4050	319	21	of	of	ADP
fsr-4050	319	22	the	the	DET
fsr-4050	319	23	money	money	NOUN
fsr-4050	319	24	management	management	NOUN
fsr-4050	319	25	experience	experience	NOUN
fsr-4050	319	26	.	.	PUNCT
fsr-4050	320	1	thus	thus	ADV
fsr-4050	320	2	,	,	PUNCT
fsr-4050	320	3	using	use	VERB
fsr-4050	320	4	saving	save	VERB
fsr-4050	320	5	websites	website	NOUN
fsr-4050	320	6	to	to	PART
fsr-4050	320	7	perform	perform	VERB
fsr-4050	320	8	financial	financial	ADJ
fsr-4050	320	9	activities	activity	NOUN
fsr-4050	320	10	may	may	AUX
fsr-4050	320	11	better	well	ADV
fsr-4050	320	12	support	support	VERB
fsr-4050	320	13	savings	saving	NOUN
fsr-4050	320	14	management	management	NOUN
fsr-4050	320	15	than	than	ADP
fsr-4050	320	16	mobile	mobile	ADJ
fsr-4050	320	17	saving	saving	NOUN
fsr-4050	320	18	apps	app	NOUN
fsr-4050	320	19	.	.	PUNCT
fsr-4050	321	1	although	although	SCONJ
fsr-4050	321	2	saving	saving	NOUN
fsr-4050	321	3	apps	app	NOUN
fsr-4050	321	4	are	be	AUX
fsr-4050	321	5	innovative	innovative	ADJ
fsr-4050	321	6	and	and	CCONJ
fsr-4050	321	7	convenient	convenient	ADJ
fsr-4050	321	8	,	,	PUNCT
fsr-4050	321	9	it	it	PRON
fsr-4050	321	10	may	may	AUX
fsr-4050	321	11	take	take	VERB
fsr-4050	321	12	a	a	DET
fsr-4050	321	13	while	while	NOUN
fsr-4050	321	14	for	for	SCONJ
fsr-4050	321	15	consumers	consumer	NOUN
fsr-4050	321	16	to	to	PART
fsr-4050	321	17	adopt	adopt	VERB
fsr-4050	321	18	and	and	CCONJ
fsr-4050	321	19	develop	develop	VERB
fsr-4050	321	20	the	the	DET
fsr-4050	321	21	habit	habit	NOUN
fsr-4050	321	22	of	of	ADP
fsr-4050	321	23	using	use	VERB
fsr-4050	321	24	them	they	PRON
fsr-4050	321	25	.	.	PUNCT
fsr-4050	322	1	therefore	therefore	ADV
fsr-4050	322	2	,	,	PUNCT
fsr-4050	322	3	the	the	DET
fsr-4050	322	4	benefits	benefit	NOUN
fsr-4050	322	5	of	of	ADP
fsr-4050	322	6	using	use	VERB
fsr-4050	322	7	saving	save	VERB
fsr-4050	322	8	apps	app	NOUN
fsr-4050	322	9	to	to	ADP
fsr-4050	322	10	adequate	adequate	ADJ
fsr-4050	322	11	emergency	emergency	NOUN
fsr-4050	322	12	fund	fund	NOUN
fsr-4050	322	13	savings	saving	NOUN
fsr-4050	322	14	have	have	VERB
fsr-4050	322	15	yet	yet	ADV
fsr-4050	322	16	to	to	PART
fsr-4050	322	17	be	be	AUX
fsr-4050	322	18	seen	see	VERB
fsr-4050	322	19	.	.	PUNCT
fsr-4050	323	1	surprisingly	surprisingly	ADV
fsr-4050	323	2	,	,	PUNCT
fsr-4050	323	3	the	the	DET
fsr-4050	323	4	study	study	NOUN
fsr-4050	323	5	reveals	reveal	VERB
fsr-4050	323	6	that	that	SCONJ
fsr-4050	323	7	the	the	DET
fsr-4050	323	8	path	path	NOUN
fsr-4050	323	9	from	from	ADP
fsr-4050	323	10	attitudes	attitude	NOUN
fsr-4050	323	11	to	to	ADP
fsr-4050	323	12	adequate	adequate	ADJ
fsr-4050	323	13	emergency	emergency	NOUN
fsr-4050	323	14	fund	fund	NOUN
fsr-4050	323	15	savings	saving	NOUN
fsr-4050	323	16	through	through	ADP
fsr-4050	323	17	intention	intention	NOUN
fsr-4050	323	18	to	to	PART
fsr-4050	323	19	use	use	VERB
fsr-4050	323	20	fintech	fintech	NOUN
fsr-4050	323	21	to	to	PART
fsr-4050	323	22	save	save	VERB
fsr-4050	323	23	and	and	CCONJ
fsr-4050	323	24	saving	save	VERB
fsr-4050	323	25	website	website	NOUN
fsr-4050	323	26	use	use	NOUN
fsr-4050	323	27	was	be	AUX
fsr-4050	323	28	significant	significant	ADJ
fsr-4050	323	29	but	but	CCONJ
fsr-4050	323	30	negative	negative	ADJ
fsr-4050	323	31	.	.	PUNCT
fsr-4050	324	1	although	although	SCONJ
fsr-4050	324	2	intention	intention	NOUN
fsr-4050	324	3	motivates	motivate	VERB
fsr-4050	324	4	consumers	consumer	NOUN
fsr-4050	324	5	to	to	PART
fsr-4050	324	6	use	use	VERB
fsr-4050	324	7	fintech	fintech	NOUN
fsr-4050	324	8	to	to	PART
fsr-4050	324	9	save	save	VERB
fsr-4050	324	10	and	and	CCONJ
fsr-4050	324	11	affects	affect	VERB
fsr-4050	324	12	adequate	adequate	ADJ
fsr-4050	324	13	emergency	emergency	NOUN
fsr-4050	324	14	fund	fund	NOUN
fsr-4050	324	15	savings	saving	NOUN
fsr-4050	324	16	,	,	PUNCT
fsr-4050	324	17	attitudes	attitude	NOUN
fsr-4050	324	18	toward	toward	ADP
fsr-4050	324	19	adequate	adequate	ADJ
fsr-4050	324	20	emergency	emergency	NOUN
fsr-4050	324	21	fund	fund	NOUN
fsr-4050	324	22	savings	saving	NOUN
fsr-4050	324	23	are	be	AUX
fsr-4050	324	24	a	a	DET
fsr-4050	324	25	domain	domain	NOUN
fsr-4050	324	26	in	in	ADP
fsr-4050	324	27	the	the	DET
fsr-4050	324	28	path	path	NOUN
fsr-4050	324	29	.	.	PUNCT
fsr-4050	325	1	alternative	alternative	ADJ
fsr-4050	325	2	emergency	emergency	NOUN
fsr-4050	325	3	fund	fund	NOUN
fsr-4050	325	4	savings	saving	NOUN
fsr-4050	325	5	mechanisms	mechanism	NOUN
fsr-4050	325	6	might	might	AUX
fsr-4050	325	7	affect	affect	VERB
fsr-4050	325	8	attitudes	attitude	NOUN
fsr-4050	325	9	toward	toward	ADP
fsr-4050	325	10	adequate	adequate	ADJ
fsr-4050	325	11	emergency	emergency	NOUN
fsr-4050	325	12	fund	fund	NOUN
fsr-4050	325	13	savings	saving	NOUN
fsr-4050	325	14	outcomes	outcome	NOUN
fsr-4050	325	15	.	.	PUNCT
fsr-4050	326	1	for	for	ADP
fsr-4050	326	2	example	example	NOUN
fsr-4050	326	3	,	,	PUNCT
fsr-4050	326	4	credit	credit	NOUN
fsr-4050	326	5	cards	card	NOUN
fsr-4050	326	6	are	be	AUX
fsr-4050	326	7	another	another	DET
fsr-4050	326	8	resource	resource	NOUN
fsr-4050	326	9	to	to	PART
fsr-4050	326	10	consider	consider	VERB
fsr-4050	326	11	as	as	ADP
fsr-4050	326	12	an	an	DET
fsr-4050	326	13	alternative	alternative	ADJ
fsr-4050	326	14	form	form	NOUN
fsr-4050	326	15	of	of	ADP
fsr-4050	326	16	dealing	deal	VERB
fsr-4050	326	17	with	with	ADP
fsr-4050	326	18	financial	financial	ADJ
fsr-4050	326	19	emergencies	emergency	NOUN
fsr-4050	326	20	(	(	PUNCT
fsr-4050	326	21	bi	bi	PROPN
fsr-4050	326	22	&	&	CCONJ
fsr-4050	326	23	montalto	montalto	PROPN
fsr-4050	326	24	,	,	PUNCT
fsr-4050	326	25	2004	2004	NUM
fsr-4050	326	26	)	)	PUNCT
fsr-4050	326	27	.	.	PUNCT
fsr-4050	327	1	without	without	ADP
fsr-4050	327	2	emergency	emergency	NOUN
fsr-4050	327	3	fund	fund	NOUN
fsr-4050	327	4	savings	saving	NOUN
fsr-4050	327	5	,	,	PUNCT
fsr-4050	327	6	households	household	NOUN
fsr-4050	327	7	use	use	VERB
fsr-4050	327	8	credit	credit	NOUN
fsr-4050	327	9	cards	card	NOUN
fsr-4050	327	10	as	as	ADP
fsr-4050	327	11	an	an	DET
fsr-4050	327	12	alternative	alternative	ADJ
fsr-4050	327	13	method	method	NOUN
fsr-4050	327	14	(	(	PUNCT
fsr-4050	327	15	lusardi	lusardi	PROPN
fsr-4050	327	16	et	et	PROPN
fsr-4050	327	17	al	al	PROPN
fsr-4050	327	18	.	.	PROPN
fsr-4050	327	19	,	,	PUNCT
fsr-4050	327	20	2017	2017	NUM
fsr-4050	327	21	;	;	PUNCT
fsr-4050	327	22	stavins	stavin	NOUN
fsr-4050	327	23	,	,	PUNCT
fsr-4050	327	24	2021	2021	NUM
fsr-4050	327	25	)	)	PUNCT
fsr-4050	327	26	.	.	PUNCT
fsr-4050	328	1	credit	credit	NOUN
fsr-4050	328	2	cards	card	NOUN
fsr-4050	328	3	are	be	AUX
fsr-4050	328	4	convenient	convenient	ADJ
fsr-4050	328	5	to	to	PART
fsr-4050	328	6	use	use	VERB
fsr-4050	328	7	,	,	PUNCT
fsr-4050	328	8	easy	easy	ADJ
fsr-4050	328	9	to	to	PART
fsr-4050	328	10	access	access	VERB
fsr-4050	328	11	,	,	PUNCT
fsr-4050	328	12	and	and	CCONJ
fsr-4050	328	13	incur	incur	VERB
fsr-4050	328	14	lower	low	ADJ
fsr-4050	328	15	costs	cost	NOUN
fsr-4050	328	16	than	than	ADP
fsr-4050	328	17	other	other	ADJ
fsr-4050	328	18	credit	credit	NOUN
fsr-4050	328	19	mechanisms	mechanism	NOUN
fsr-4050	328	20	,	,	PUNCT
fsr-4050	328	21	such	such	ADJ
fsr-4050	328	22	as	as	ADP
fsr-4050	328	23	payday	payday	NOUN
fsr-4050	328	24	loans	loan	NOUN
fsr-4050	328	25	(	(	PUNCT
fsr-4050	328	26	agarwal	agarwal	PROPN
fsr-4050	328	27	et	et	PROPN
fsr-4050	328	28	al	al	PROPN
fsr-4050	328	29	.	.	PROPN
fsr-4050	328	30	,	,	PUNCT
fsr-4050	328	31	2009	2009	NUM
fsr-4050	328	32	;	;	PUNCT
fsr-4050	328	33	chase	chase	NOUN
fsr-4050	328	34	et	et	PROPN
fsr-4050	328	35	al	al	PROPN
fsr-4050	328	36	.	.	PROPN
fsr-4050	328	37	,	,	PUNCT
fsr-4050	328	38	2011	2011	NUM
fsr-4050	328	39	;	;	PUNCT
fsr-4050	328	40	leclerc	leclerc	PROPN
fsr-4050	328	41	,	,	PUNCT
fsr-4050	328	42	2012	2012	NUM
fsr-4050	328	43	)	)	PUNCT
fsr-4050	328	44	.	.	PUNCT
fsr-4050	329	1	suppose	suppose	VERB
fsr-4050	329	2	alternative	alternative	ADJ
fsr-4050	329	3	emergency	emergency	NOUN
fsr-4050	329	4	mechanisms	mechanism	NOUN
fsr-4050	329	5	(	(	PUNCT
fsr-4050	329	6	i.e.	i.e.	X
fsr-4050	329	7	,	,	PUNCT
fsr-4050	329	8	the	the	DET
fsr-4050	329	9	availability	availability	NOUN
fsr-4050	329	10	of	of	ADP
fsr-4050	329	11	credit	credit	NOUN
fsr-4050	329	12	cards	card	NOUN
fsr-4050	329	13	)	)	PUNCT
fsr-4050	329	14	provide	provide	VERB
fsr-4050	329	15	convenience	convenience	NOUN
fsr-4050	329	16	;	;	PUNCT
fsr-4050	329	17	consumers	consumer	NOUN
fsr-4050	329	18	might	might	AUX
fsr-4050	329	19	be	be	AUX
fsr-4050	329	20	more	more	ADV
fsr-4050	329	21	likely	likely	ADJ
fsr-4050	329	22	to	to	PART
fsr-4050	329	23	have	have	VERB
fsr-4050	329	24	a	a	DET
fsr-4050	329	25	favorable	favorable	ADJ
fsr-4050	329	26	attitude	attitude	NOUN
fsr-4050	329	27	towards	towards	ADP
fsr-4050	329	28	credit	credit	NOUN
fsr-4050	329	29	cards	card	NOUN
fsr-4050	329	30	as	as	ADP
fsr-4050	329	31	emergency	emergency	NOUN
fsr-4050	329	32	fund	fund	NOUN
fsr-4050	329	33	savings	saving	NOUN
fsr-4050	329	34	.	.	PUNCT
fsr-4050	330	1	thus	thus	ADV
fsr-4050	330	2	,	,	PUNCT
fsr-4050	330	3	consumers	consumer	NOUN
fsr-4050	330	4	might	might	AUX
fsr-4050	330	5	have	have	VERB
fsr-4050	330	6	great	great	ADJ
fsr-4050	330	7	intentions	intention	NOUN
fsr-4050	330	8	to	to	PART
fsr-4050	330	9	use	use	VERB
fsr-4050	330	10	credit	credit	NOUN
fsr-4050	330	11	cards	card	NOUN
fsr-4050	330	12	for	for	ADP
fsr-4050	330	13	emergency	emergency	NOUN
fsr-4050	330	14	fund	fund	NOUN
fsr-4050	330	15	savings	saving	NOUN
fsr-4050	330	16	instead	instead	ADV
fsr-4050	330	17	of	of	ADP
fsr-4050	330	18	using	use	VERB
fsr-4050	330	19	fintech	fintech	NOUN
fsr-4050	330	20	to	to	PART
fsr-4050	330	21	facilitate	facilitate	VERB
fsr-4050	330	22	emergency	emergency	NOUN
fsr-4050	330	23	fund	fund	NOUN
fsr-4050	330	24	savings	saving	NOUN
fsr-4050	330	25	.	.	PUNCT
fsr-4050	331	1	khandelwal	khandelwal	PROPN
fsr-4050	331	2	et	et	PROPN
fsr-4050	331	3	al	al	PROPN
fsr-4050	331	4	.	.	PROPN
fsr-4050	332	1	(	(	PUNCT
fsr-4050	332	2	2021	2021	NUM
fsr-4050	332	3	)	)	PUNCT
fsr-4050	332	4	found	find	VERB
fsr-4050	332	5	that	that	SCONJ
fsr-4050	332	6	favorable	favorable	ADJ
fsr-4050	332	7	money	money	NOUN
fsr-4050	332	8	attitudes	attitude	NOUN
fsr-4050	332	9	were	be	AUX
fsr-4050	332	10	less	less	ADV
fsr-4050	332	11	likely	likely	ADJ
fsr-4050	332	12	to	to	PART
fsr-4050	332	13	get	get	AUX
fsr-4050	332	14	involved	involve	VERB
fsr-4050	332	15	in	in	ADP
fsr-4050	332	16	a	a	DET
fsr-4050	332	17	financial	financial	ADJ
fsr-4050	332	18	crisis	crisis	NOUN
fsr-4050	332	19	resulting	result	VERB
fsr-4050	332	20	from	from	ADP
fsr-4050	332	21	credit	credit	NOUN
fsr-4050	332	22	card	card	NOUN
fsr-4050	332	23	mismanagement	mismanagement	NOUN
fsr-4050	332	24	.	.	PUNCT
fsr-4050	333	1	therefore	therefore	ADV
fsr-4050	333	2	,	,	PUNCT
fsr-4050	333	3	future	future	ADJ
fsr-4050	333	4	studies	study	NOUN
fsr-4050	333	5	might	might	AUX
fsr-4050	333	6	account	account	VERB
fsr-4050	333	7	for	for	ADP
fsr-4050	333	8	consumers	consumer	NOUN
fsr-4050	333	9	'	'	PART
fsr-4050	333	10	perceptions	perception	NOUN
fsr-4050	333	11	of	of	ADP
fsr-4050	333	12	the	the	DET
fsr-4050	333	13	emergency	emergency	NOUN
fsr-4050	333	14	fund	fund	NOUN
fsr-4050	333	15	financial	financial	PROPN
fsr-4050	333	16	services	service	NOUN
fsr-4050	333	17	review	review	NOUN
fsr-4050	333	18	,	,	PUNCT
fsr-4050	333	19	33(3	33(3	NOUN
fsr-4050	333	20	)	)	PUNCT
fsr-4050	333	21	38	38	NUM
fsr-4050	333	22	savings	saving	NOUN
fsr-4050	333	23	mechanisms	mechanism	NOUN
fsr-4050	333	24	and	and	CCONJ
fsr-4050	333	25	measure	measure	VERB
fsr-4050	333	26	their	their	PRON
fsr-4050	333	27	attitudes	attitude	NOUN
fsr-4050	333	28	toward	toward	ADP
fsr-4050	333	29	alternative	alternative	ADJ
fsr-4050	333	30	mechanisms	mechanism	NOUN
fsr-4050	333	31	.	.	PUNCT
fsr-4050	334	1	moreover	moreover	ADV
fsr-4050	334	2	,	,	PUNCT
fsr-4050	334	3	paths	path	NOUN
fsr-4050	334	4	from	from	ADP
fsr-4050	334	5	the	the	DET
fsr-4050	334	6	subjective	subjective	ADJ
fsr-4050	334	7	norms	norm	NOUN
fsr-4050	334	8	and	and	CCONJ
fsr-4050	334	9	perceived	perceive	VERB
fsr-4050	334	10	behavioral	behavioral	ADJ
fsr-4050	334	11	control	control	NOUN
fsr-4050	334	12	to	to	ADP
fsr-4050	334	13	adequate	adequate	ADJ
fsr-4050	334	14	emergency	emergency	NOUN
fsr-4050	334	15	fund	fund	NOUN
fsr-4050	334	16	savings	saving	NOUN
fsr-4050	334	17	through	through	ADP
fsr-4050	334	18	intention	intention	NOUN
fsr-4050	334	19	to	to	PART
fsr-4050	334	20	use	use	VERB
fsr-4050	334	21	fintech	fintech	NOUN
fsr-4050	334	22	and	and	CCONJ
fsr-4050	334	23	saving	save	VERB
fsr-4050	334	24	website	website	NOUN
fsr-4050	334	25	use	use	NOUN
fsr-4050	334	26	are	be	AUX
fsr-4050	334	27	positive	positive	ADJ
fsr-4050	334	28	and	and	CCONJ
fsr-4050	334	29	significant	significant	ADJ
fsr-4050	334	30	.	.	PUNCT
fsr-4050	335	1	the	the	DET
fsr-4050	335	2	results	result	NOUN
fsr-4050	335	3	suggest	suggest	VERB
fsr-4050	335	4	that	that	SCONJ
fsr-4050	335	5	intention	intention	NOUN
fsr-4050	335	6	to	to	PART
fsr-4050	335	7	use	use	VERB
fsr-4050	335	8	fintech	fintech	NOUN
fsr-4050	335	9	to	to	PART
fsr-4050	335	10	save	save	VERB
fsr-4050	335	11	and	and	CCONJ
fsr-4050	335	12	saving	save	VERB
fsr-4050	335	13	website	website	NOUN
fsr-4050	335	14	use	use	NOUN
fsr-4050	335	15	serve	serve	NOUN
fsr-4050	335	16	as	as	ADP
fsr-4050	335	17	mediators	mediator	NOUN
fsr-4050	335	18	.	.	PUNCT
fsr-4050	336	1	the	the	DET
fsr-4050	336	2	results	result	NOUN
fsr-4050	336	3	add	add	VERB
fsr-4050	336	4	to	to	ADP
fsr-4050	336	5	empirical	empirical	ADJ
fsr-4050	336	6	evidence	evidence	NOUN
fsr-4050	336	7	that	that	SCONJ
fsr-4050	336	8	intention	intention	NOUN
fsr-4050	336	9	to	to	ADP
fsr-4050	336	10	a	a	DET
fsr-4050	336	11	specific	specific	ADJ
fsr-4050	336	12	behavior	behavior	NOUN
fsr-4050	336	13	and	and	CCONJ
fsr-4050	336	14	actual	actual	ADJ
fsr-4050	336	15	behavior	behavior	NOUN
fsr-4050	336	16	are	be	AUX
fsr-4050	336	17	highly	highly	ADV
fsr-4050	336	18	correlated	correlate	VERB
fsr-4050	336	19	(	(	PUNCT
fsr-4050	336	20	ajzen	ajzen	ADJ
fsr-4050	336	21	,	,	PUNCT
fsr-4050	336	22	1991	1991	NUM
fsr-4050	336	23	)	)	PUNCT
fsr-4050	336	24	.	.	PUNCT
fsr-4050	337	1	if	if	SCONJ
fsr-4050	337	2	consumers	consumer	NOUN
fsr-4050	337	3	strongly	strongly	ADV
fsr-4050	337	4	intend	intend	VERB
fsr-4050	337	5	to	to	PART
fsr-4050	337	6	use	use	VERB
fsr-4050	337	7	fintech	fintech	NOUN
fsr-4050	337	8	to	to	PART
fsr-4050	337	9	save	save	VERB
fsr-4050	337	10	,	,	PUNCT
fsr-4050	337	11	they	they	PRON
fsr-4050	337	12	might	might	AUX
fsr-4050	337	13	use	use	VERB
fsr-4050	337	14	fintech	fintech	NOUN
fsr-4050	337	15	to	to	PART
fsr-4050	337	16	set	set	VERB
fsr-4050	337	17	up	up	ADP
fsr-4050	337	18	automatic	automatic	ADJ
fsr-4050	337	19	savings	saving	NOUN
fsr-4050	337	20	for	for	ADP
fsr-4050	337	21	emergency	emergency	NOUN
fsr-4050	337	22	funds	fund	NOUN
fsr-4050	337	23	.	.	PUNCT
fsr-4050	338	1	moreover	moreover	ADV
fsr-4050	338	2	,	,	PUNCT
fsr-4050	338	3	actual	actual	ADJ
fsr-4050	338	4	fintech	fintech	NOUN
fsr-4050	338	5	use	use	NOUN
fsr-4050	338	6	(	(	PUNCT
fsr-4050	338	7	i.e.	i.e.	X
fsr-4050	338	8	,	,	PUNCT
fsr-4050	338	9	saving	save	VERB
fsr-4050	338	10	website	website	NOUN
fsr-4050	338	11	use	use	NOUN
fsr-4050	338	12	)	)	PUNCT
fsr-4050	338	13	has	have	AUX
fsr-4050	338	14	been	be	AUX
fsr-4050	338	15	found	find	VERB
fsr-4050	338	16	to	to	PART
fsr-4050	338	17	serve	serve	VERB
fsr-4050	338	18	as	as	ADP
fsr-4050	338	19	a	a	DET
fsr-4050	338	20	mechanism	mechanism	NOUN
fsr-4050	338	21	to	to	PART
fsr-4050	338	22	connect	connect	VERB
fsr-4050	338	23	the	the	DET
fsr-4050	338	24	intention	intention	NOUN
fsr-4050	338	25	to	to	PART
fsr-4050	338	26	use	use	VERB
fsr-4050	338	27	fintech	fintech	NOUN
fsr-4050	338	28	for	for	ADP
fsr-4050	338	29	savings	saving	NOUN
fsr-4050	338	30	with	with	ADP
fsr-4050	338	31	adequate	adequate	ADJ
fsr-4050	338	32	emergency	emergency	NOUN
fsr-4050	338	33	fund	fund	NOUN
fsr-4050	338	34	savings	saving	NOUN
fsr-4050	338	35	.	.	PUNCT
fsr-4050	339	1	this	this	DET
fsr-4050	339	2	result	result	NOUN
fsr-4050	339	3	adds	add	VERB
fsr-4050	339	4	empirical	empirical	ADJ
fsr-4050	339	5	evidence	evidence	NOUN
fsr-4050	339	6	to	to	ADP
fsr-4050	339	7	tam	tam	PROPN
fsr-4050	339	8	(	(	PUNCT
fsr-4050	339	9	davis	davis	PROPN
fsr-4050	339	10	,	,	PUNCT
fsr-4050	339	11	1989	1989	NUM
fsr-4050	339	12	)	)	PUNCT
fsr-4050	339	13	and	and	CCONJ
fsr-4050	339	14	utaut	utaut	NOUN
fsr-4050	339	15	(	(	PUNCT
fsr-4050	339	16	venkatesh	venkatesh	PROPN
fsr-4050	339	17	et	et	PROPN
fsr-4050	339	18	al	al	PROPN
fsr-4050	339	19	.	.	PROPN
fsr-4050	339	20	,	,	PUNCT
fsr-4050	339	21	2003	2003	NUM
fsr-4050	339	22	)	)	PUNCT
fsr-4050	339	23	that	that	PRON
fsr-4050	339	24	usefulness	usefulness	NOUN
fsr-4050	339	25	,	,	PUNCT
fsr-4050	339	26	accessibility	accessibility	NOUN
fsr-4050	339	27	,	,	PUNCT
fsr-4050	339	28	and	and	CCONJ
fsr-4050	339	29	trust	trust	NOUN
fsr-4050	339	30	are	be	AUX
fsr-4050	339	31	key	key	ADJ
fsr-4050	339	32	features	feature	NOUN
fsr-4050	339	33	of	of	ADP
fsr-4050	339	34	fintech	fintech	NOUN
fsr-4050	339	35	development	development	NOUN
fsr-4050	339	36	.	.	PUNCT
fsr-4050	340	1	thus	thus	ADV
fsr-4050	340	2	,	,	PUNCT
fsr-4050	340	3	financial	financial	ADJ
fsr-4050	340	4	institutions	institution	NOUN
fsr-4050	340	5	are	be	AUX
fsr-4050	340	6	advised	advise	VERB
fsr-4050	340	7	to	to	PART
fsr-4050	340	8	collaborate	collaborate	VERB
fsr-4050	340	9	with	with	ADP
fsr-4050	340	10	fintech	fintech	NOUN
fsr-4050	340	11	companies	company	NOUN
fsr-4050	340	12	to	to	PART
fsr-4050	340	13	develop	develop	VERB
fsr-4050	340	14	efficient	efficient	ADJ
fsr-4050	340	15	and	and	CCONJ
fsr-4050	340	16	effective	effective	ADJ
fsr-4050	340	17	savings	saving	NOUN
fsr-4050	340	18	websites	website	NOUN
fsr-4050	340	19	to	to	PART
fsr-4050	340	20	motivate	motivate	VERB
fsr-4050	340	21	households	household	NOUN
fsr-4050	340	22	to	to	PART
fsr-4050	340	23	engage	engage	VERB
fsr-4050	340	24	in	in	ADP
fsr-4050	340	25	saving	save	VERB
fsr-4050	340	26	behavior	behavior	NOUN
fsr-4050	340	27	for	for	ADP
fsr-4050	340	28	emergency	emergency	NOUN
fsr-4050	340	29	funds	fund	NOUN
fsr-4050	340	30	.	.	PUNCT
fsr-4050	341	1	limitations	limitation	NOUN
fsr-4050	341	2	and	and	CCONJ
fsr-4050	341	3	future	future	ADJ
fsr-4050	341	4	research	research	NOUN
fsr-4050	341	5	the	the	DET
fsr-4050	341	6	limitations	limitation	NOUN
fsr-4050	341	7	of	of	ADP
fsr-4050	341	8	the	the	DET
fsr-4050	341	9	current	current	ADJ
fsr-4050	341	10	study	study	NOUN
fsr-4050	341	11	should	should	AUX
fsr-4050	341	12	be	be	AUX
fsr-4050	341	13	noted	note	VERB
fsr-4050	341	14	.	.	PUNCT
fsr-4050	342	1	the	the	DET
fsr-4050	342	2	cross	cross	ADJ
fsr-4050	342	3	-	-	ADJ
fsr-4050	342	4	sectional	sectional	ADJ
fsr-4050	342	5	dataset	dataset	NOUN
fsr-4050	342	6	limits	limit	VERB
fsr-4050	342	7	its	its	PRON
fsr-4050	342	8	parameters	parameter	NOUN
fsr-4050	342	9	'	'	PART
fsr-4050	342	10	variability	variability	NOUN
fsr-4050	342	11	over	over	ADP
fsr-4050	342	12	time	time	NOUN
fsr-4050	342	13	and	and	CCONJ
fsr-4050	342	14	causal	causal	ADJ
fsr-4050	342	15	inference	inference	NOUN
fsr-4050	342	16	(	(	PUNCT
fsr-4050	342	17	bowen	bowen	PROPN
fsr-4050	342	18	&	&	CCONJ
fsr-4050	342	19	wiersema	wiersema	PROPN
fsr-4050	342	20	,	,	PUNCT
fsr-4050	342	21	1999	1999	NUM
fsr-4050	342	22	)	)	PUNCT
fsr-4050	342	23	.	.	PUNCT
fsr-4050	343	1	further	further	ADJ
fsr-4050	343	2	research	research	NOUN
fsr-4050	343	3	might	might	AUX
fsr-4050	343	4	collect	collect	VERB
fsr-4050	343	5	panel	panel	NOUN
fsr-4050	343	6	data	datum	NOUN
fsr-4050	343	7	for	for	ADP
fsr-4050	343	8	more	more	ADV
fsr-4050	343	9	accurate	accurate	ADJ
fsr-4050	343	10	predictions	prediction	NOUN
fsr-4050	343	11	and	and	CCONJ
fsr-4050	343	12	causal	causal	ADJ
fsr-4050	343	13	inferences	inference	NOUN
fsr-4050	343	14	.	.	PUNCT
fsr-4050	344	1	second	second	ADJ
fsr-4050	344	2	,	,	PUNCT
fsr-4050	344	3	three	three	NUM
fsr-4050	344	4	-	-	PUNCT
fsr-4050	344	5	item	item	NOUN
fsr-4050	344	6	measures	measure	NOUN
fsr-4050	344	7	for	for	ADP
fsr-4050	344	8	subjective	subjective	ADJ
fsr-4050	344	9	norm	norm	NOUN
fsr-4050	344	10	and	and	CCONJ
fsr-4050	344	11	perceived	perceive	VERB
fsr-4050	344	12	behavioral	behavioral	ADJ
fsr-4050	344	13	control	control	NOUN
fsr-4050	344	14	are	be	AUX
fsr-4050	344	15	recommended	recommend	VERB
fsr-4050	344	16	to	to	PART
fsr-4050	344	17	be	be	AUX
fsr-4050	344	18	considered	consider	VERB
fsr-4050	344	19	for	for	ADP
fsr-4050	344	20	future	future	ADJ
fsr-4050	344	21	study	study	NOUN
fsr-4050	344	22	.	.	PUNCT
fsr-4050	345	1	third	third	ADJ
fsr-4050	345	2	,	,	PUNCT
fsr-4050	345	3	most	most	ADJ
fsr-4050	345	4	respondents	respondent	NOUN
fsr-4050	345	5	are	be	AUX
fsr-4050	345	6	white	white	ADJ
fsr-4050	345	7	married	married	ADJ
fsr-4050	345	8	males	male	NOUN
fsr-4050	345	9	with	with	ADP
fsr-4050	345	10	bachelor	bachelor	NOUN
fsr-4050	345	11	's	's	PART
fsr-4050	345	12	degrees	degree	NOUN
fsr-4050	345	13	.	.	PUNCT
fsr-4050	346	1	therefore	therefore	ADV
fsr-4050	346	2	,	,	PUNCT
fsr-4050	346	3	the	the	DET
fsr-4050	346	4	sample	sample	NOUN
fsr-4050	346	5	selection	selection	NOUN
fsr-4050	346	6	of	of	ADP
fsr-4050	346	7	the	the	DET
fsr-4050	346	8	current	current	ADJ
fsr-4050	346	9	study	study	NOUN
fsr-4050	346	10	might	might	AUX
fsr-4050	346	11	be	be	AUX
fsr-4050	346	12	biased	bias	VERB
fsr-4050	346	13	.	.	PUNCT
fsr-4050	347	1	future	future	ADJ
fsr-4050	347	2	studies	study	NOUN
fsr-4050	347	3	should	should	AUX
fsr-4050	347	4	recruit	recruit	VERB
fsr-4050	347	5	other	other	ADJ
fsr-4050	347	6	potential	potential	ADJ
fsr-4050	347	7	participants	participant	NOUN
fsr-4050	347	8	to	to	PART
fsr-4050	347	9	represent	represent	VERB
fsr-4050	347	10	u.s	u.s	PROPN
fsr-4050	347	11	.	.	PROPN
fsr-4050	347	12	households	household	NOUN
fsr-4050	347	13	.	.	PUNCT
fsr-4050	348	1	as	as	SCONJ
fsr-4050	348	2	noted	note	VERB
fsr-4050	348	3	in	in	ADP
fsr-4050	348	4	the	the	DET
fsr-4050	348	5	discussion	discussion	NOUN
fsr-4050	348	6	,	,	PUNCT
fsr-4050	348	7	other	other	ADJ
fsr-4050	348	8	factors	factor	NOUN
fsr-4050	348	9	might	might	AUX
fsr-4050	348	10	exist	exist	VERB
fsr-4050	348	11	in	in	ADP
fsr-4050	348	12	the	the	DET
fsr-4050	348	13	model	model	NOUN
fsr-4050	348	14	that	that	PRON
fsr-4050	348	15	affect	affect	VERB
fsr-4050	348	16	individuals	individual	NOUN
fsr-4050	348	17	'	'	PART
fsr-4050	348	18	intentions	intention	NOUN
fsr-4050	348	19	and	and	CCONJ
fsr-4050	348	20	adequate	adequate	ADJ
fsr-4050	348	21	emergency	emergency	NOUN
fsr-4050	348	22	fund	fund	NOUN
fsr-4050	348	23	savings	saving	NOUN
fsr-4050	348	24	.	.	PUNCT
fsr-4050	349	1	ajzen	ajzen	NOUN
fsr-4050	349	2	(	(	PUNCT
fsr-4050	349	3	2006	2006	NUM
fsr-4050	349	4	)	)	PUNCT
fsr-4050	349	5	presented	present	VERB
fsr-4050	349	6	an	an	DET
fsr-4050	349	7	extended	extended	ADJ
fsr-4050	349	8	tpb	tpb	NOUN
fsr-4050	349	9	model	model	NOUN
fsr-4050	349	10	that	that	PRON
fsr-4050	349	11	emphasizes	emphasize	VERB
fsr-4050	349	12	the	the	DET
fsr-4050	349	13	significance	significance	NOUN
fsr-4050	349	14	of	of	ADP
fsr-4050	349	15	perceived	perceive	VERB
fsr-4050	349	16	behavioral	behavioral	ADJ
fsr-4050	349	17	control	control	NOUN
fsr-4050	349	18	within	within	ADP
fsr-4050	349	19	the	the	DET
fsr-4050	349	20	model	model	NOUN
fsr-4050	349	21	.	.	PUNCT
fsr-4050	350	1	perceived	perceive	VERB
fsr-4050	350	2	behavioral	behavioral	ADJ
fsr-4050	350	3	control	control	NOUN
fsr-4050	350	4	might	might	AUX
fsr-4050	350	5	moderate	moderate	VERB
fsr-4050	350	6	the	the	DET
fsr-4050	350	7	relationships	relationship	NOUN
fsr-4050	350	8	between	between	ADP
fsr-4050	350	9	attitudes	attitude	NOUN
fsr-4050	350	10	and	and	CCONJ
fsr-4050	350	11	intention	intention	NOUN
fsr-4050	350	12	,	,	PUNCT
fsr-4050	350	13	subjective	subjective	ADJ
fsr-4050	350	14	norm	norm	NOUN
fsr-4050	350	15	and	and	CCONJ
fsr-4050	350	16	intention	intention	NOUN
fsr-4050	350	17	,	,	PUNCT
fsr-4050	350	18	and	and	CCONJ
fsr-4050	350	19	intention	intention	NOUN
fsr-4050	350	20	and	and	CCONJ
fsr-4050	350	21	behavior	behavior	NOUN
fsr-4050	350	22	.	.	PUNCT
fsr-4050	351	1	therefore	therefore	ADV
fsr-4050	351	2	,	,	PUNCT
fsr-4050	351	3	further	further	ADJ
fsr-4050	351	4	studies	study	NOUN
fsr-4050	351	5	might	might	AUX
fsr-4050	351	6	incorporate	incorporate	VERB
fsr-4050	351	7	the	the	DET
fsr-4050	351	8	moderation	moderation	NOUN
fsr-4050	351	9	of	of	ADP
fsr-4050	351	10	perceived	perceive	VERB
fsr-4050	351	11	behavioral	behavioral	ADJ
fsr-4050	351	12	control	control	NOUN
fsr-4050	351	13	into	into	ADP
fsr-4050	351	14	the	the	DET
fsr-4050	351	15	tpb	tpb	NOUN
fsr-4050	351	16	and	and	CCONJ
fsr-4050	351	17	test	test	VERB
fsr-4050	351	18	the	the	DET
fsr-4050	351	19	model	model	NOUN
fsr-4050	351	20	's	's	PART
fsr-4050	351	21	moderation	moderation	NOUN
fsr-4050	351	22	and	and	CCONJ
fsr-4050	351	23	mediation	mediation	NOUN
fsr-4050	351	24	effects	effect	NOUN
fsr-4050	351	25	.	.	PUNCT
fsr-4050	352	1	conclusion	conclusion	NOUN
fsr-4050	352	2	and	and	CCONJ
fsr-4050	352	3	implications	implication	NOUN
fsr-4050	352	4	in	in	ADP
fsr-4050	352	5	conclusion	conclusion	NOUN
fsr-4050	352	6	,	,	PUNCT
fsr-4050	352	7	this	this	DET
fsr-4050	352	8	study	study	NOUN
fsr-4050	352	9	explains	explain	VERB
fsr-4050	352	10	that	that	SCONJ
fsr-4050	352	11	intentionbehavior	intentionbehavior	ADJ
fsr-4050	352	12	relationships	relationship	NOUN
fsr-4050	352	13	through	through	ADP
fsr-4050	352	14	actual	actual	ADJ
fsr-4050	352	15	fintech	fintech	NOUN
fsr-4050	352	16	use	use	NOUN
fsr-4050	352	17	positively	positively	ADV
fsr-4050	352	18	influence	influence	NOUN
fsr-4050	352	19	households	household	NOUN
fsr-4050	352	20	'	'	PART
fsr-4050	352	21	adequate	adequate	ADJ
fsr-4050	352	22	emergency	emergency	NOUN
fsr-4050	352	23	fund	fund	NOUN
fsr-4050	352	24	savings	saving	NOUN
fsr-4050	352	25	.	.	PUNCT
fsr-4050	353	1	it	it	PRON
fsr-4050	353	2	represents	represent	VERB
fsr-4050	353	3	a	a	DET
fsr-4050	353	4	combination	combination	NOUN
fsr-4050	353	5	of	of	ADP
fsr-4050	353	6	psychological	psychological	ADJ
fsr-4050	353	7	factors	factor	NOUN
fsr-4050	353	8	and	and	CCONJ
fsr-4050	353	9	fintech	fintech	NOUN
fsr-4050	353	10	use	use	NOUN
fsr-4050	353	11	affecting	affect	VERB
fsr-4050	353	12	savings	saving	NOUN
fsr-4050	353	13	behavior	behavior	NOUN
fsr-4050	353	14	.	.	PUNCT
fsr-4050	354	1	the	the	DET
fsr-4050	354	2	results	result	NOUN
fsr-4050	354	3	provide	provide	VERB
fsr-4050	354	4	empirical	empirical	ADJ
fsr-4050	354	5	evidence	evidence	NOUN
fsr-4050	354	6	for	for	ADP
fsr-4050	354	7	the	the	DET
fsr-4050	354	8	tpb	tpb	NOUN
fsr-4050	354	9	(	(	PUNCT
fsr-4050	354	10	ajzen	ajzen	NOUN
fsr-4050	354	11	,	,	PUNCT
fsr-4050	354	12	1991	1991	NUM
fsr-4050	354	13	)	)	PUNCT
fsr-4050	354	14	and	and	CCONJ
fsr-4050	354	15	the	the	DET
fsr-4050	354	16	technology	technology	NOUN
fsr-4050	354	17	adoption	adoption	NOUN
fsr-4050	354	18	models	model	NOUN
fsr-4050	354	19	(	(	PUNCT
fsr-4050	354	20	i.e.	i.e.	X
fsr-4050	354	21	,	,	PUNCT
fsr-4050	354	22	tam	tam	PROPN
fsr-4050	354	23	,	,	PUNCT
fsr-4050	354	24	utaut	utaut	NOUN
fsr-4050	354	25	)	)	PUNCT
fsr-4050	354	26	(	(	PUNCT
fsr-4050	354	27	davis	davis	PROPN
fsr-4050	354	28	,	,	PUNCT
fsr-4050	354	29	1989	1989	NUM
fsr-4050	354	30	;	;	PUNCT
fsr-4050	354	31	venkatesh	venkatesh	PROPN
fsr-4050	354	32	et	et	PROPN
fsr-4050	354	33	al	al	PROPN
fsr-4050	354	34	.	.	PROPN
fsr-4050	354	35	,	,	PUNCT
fsr-4050	354	36	2003	2003	NUM
fsr-4050	354	37	)	)	PUNCT
fsr-4050	354	38	.	.	PUNCT
fsr-4050	355	1	the	the	DET
fsr-4050	355	2	indirect	indirect	ADJ
fsr-4050	355	3	paths	path	NOUN
fsr-4050	355	4	from	from	ADP
fsr-4050	355	5	three	three	NUM
fsr-4050	355	6	antecedents	antecedent	NOUN
fsr-4050	355	7	to	to	ADP
fsr-4050	355	8	adequate	adequate	ADJ
fsr-4050	355	9	emergency	emergency	NOUN
fsr-4050	355	10	fund	fund	NOUN
fsr-4050	355	11	savings	saving	NOUN
fsr-4050	355	12	through	through	ADP
fsr-4050	355	13	intention	intention	NOUN
fsr-4050	355	14	to	to	PART
fsr-4050	355	15	use	use	VERB
fsr-4050	355	16	fintech	fintech	NOUN
fsr-4050	355	17	to	to	PART
fsr-4050	355	18	save	save	VERB
fsr-4050	355	19	and	and	CCONJ
fsr-4050	355	20	actual	actual	ADJ
fsr-4050	355	21	fintech	fintech	NOUN
fsr-4050	355	22	use	use	NOUN
fsr-4050	355	23	indicate	indicate	VERB
fsr-4050	355	24	that	that	DET
fsr-4050	355	25	intention	intention	NOUN
fsr-4050	355	26	to	to	PART
fsr-4050	355	27	use	use	VERB
fsr-4050	355	28	fintech	fintech	NOUN
fsr-4050	355	29	to	to	PART
fsr-4050	355	30	save	save	VERB
fsr-4050	355	31	and	and	CCONJ
fsr-4050	355	32	actual	actual	ADJ
fsr-4050	355	33	fintech	fintech	NOUN
fsr-4050	355	34	use	use	NOUN
fsr-4050	355	35	(	(	PUNCT
fsr-4050	355	36	i.e.	i.e.	X
fsr-4050	355	37	,	,	PUNCT
fsr-4050	355	38	using	use	VERB
fsr-4050	355	39	saving	save	VERB
fsr-4050	355	40	websites	website	NOUN
fsr-4050	355	41	)	)	PUNCT
fsr-4050	355	42	link	link	VERB
fsr-4050	355	43	attitudes	attitude	NOUN
fsr-4050	355	44	,	,	PUNCT
fsr-4050	355	45	subjective	subjective	ADJ
fsr-4050	355	46	norms	norm	NOUN
fsr-4050	355	47	,	,	PUNCT
fsr-4050	355	48	perceived	perceive	VERB
fsr-4050	355	49	behavioral	behavioral	ADJ
fsr-4050	355	50	control	control	NOUN
fsr-4050	355	51	,	,	PUNCT
fsr-4050	355	52	and	and	CCONJ
fsr-4050	355	53	adequate	adequate	ADJ
fsr-4050	355	54	emergency	emergency	NOUN
fsr-4050	355	55	fund	fund	NOUN
fsr-4050	355	56	savings	saving	NOUN
fsr-4050	355	57	.	.	PUNCT
fsr-4050	356	1	this	this	DET
fsr-4050	356	2	study	study	NOUN
fsr-4050	356	3	provides	provide	VERB
fsr-4050	356	4	three	three	NUM
fsr-4050	356	5	critical	critical	ADJ
fsr-4050	356	6	implications	implication	NOUN
fsr-4050	356	7	.	.	PUNCT
fsr-4050	357	1	first	first	ADV
fsr-4050	357	2	,	,	PUNCT
fsr-4050	357	3	the	the	DET
fsr-4050	357	4	intention	intention	NOUN
fsr-4050	357	5	to	to	PART
fsr-4050	357	6	use	use	VERB
fsr-4050	357	7	fintech	fintech	NOUN
fsr-4050	357	8	to	to	PART
fsr-4050	357	9	save	save	VERB
fsr-4050	357	10	is	be	AUX
fsr-4050	357	11	critical	critical	ADJ
fsr-4050	357	12	to	to	PART
fsr-4050	357	13	connect	connect	VERB
fsr-4050	357	14	antecedents	antecedent	NOUN
fsr-4050	357	15	and	and	CCONJ
fsr-4050	357	16	consequences	consequence	NOUN
fsr-4050	357	17	(	(	PUNCT
fsr-4050	357	18	i.e.	i.e.	X
fsr-4050	357	19	,	,	PUNCT
fsr-4050	357	20	adequate	adequate	ADJ
fsr-4050	357	21	emergency	emergency	NOUN
fsr-4050	357	22	fund	fund	NOUN
fsr-4050	357	23	savings	saving	NOUN
fsr-4050	357	24	,	,	PUNCT
fsr-4050	357	25	actual	actual	ADJ
fsr-4050	357	26	fintech	fintech	NOUN
fsr-4050	357	27	use	use	NOUN
fsr-4050	357	28	)	)	PUNCT
fsr-4050	357	29	.	.	PUNCT
fsr-4050	358	1	intentions	intention	NOUN
fsr-4050	358	2	are	be	AUX
fsr-4050	358	3	categorized	categorize	VERB
fsr-4050	358	4	into	into	ADP
fsr-4050	358	5	present	present	ADJ
fsr-4050	358	6	-	-	PUNCT
fsr-4050	358	7	oriented	orient	VERB
fsr-4050	358	8	and	and	CCONJ
fsr-4050	358	9	future	future	ADV
fsr-4050	358	10	-	-	PUNCT
fsr-4050	358	11	oriented	orient	VERB
fsr-4050	358	12	(	(	PUNCT
fsr-4050	358	13	bagozzi	bagozzi	ADJ
fsr-4050	358	14	,	,	PUNCT
fsr-4050	358	15	1992	1992	NUM
fsr-4050	358	16	)	)	PUNCT
fsr-4050	358	17	.	.	PUNCT
fsr-4050	359	1	if	if	SCONJ
fsr-4050	359	2	future	future	ADJ
fsr-4050	359	3	-	-	PUNCT
fsr-4050	359	4	oriented	orient	VERB
fsr-4050	359	5	intentions	intention	NOUN
fsr-4050	359	6	are	be	AUX
fsr-4050	359	7	more	more	ADV
fsr-4050	359	8	dominant	dominant	ADJ
fsr-4050	359	9	than	than	ADP
fsr-4050	359	10	present	present	ADJ
fsr-4050	359	11	-	-	PUNCT
fsr-4050	359	12	oriented	orient	VERB
fsr-4050	359	13	ones	one	NOUN
fsr-4050	359	14	,	,	PUNCT
fsr-4050	359	15	people	people	NOUN
fsr-4050	359	16	might	might	AUX
fsr-4050	359	17	not	not	PART
fsr-4050	359	18	immediately	immediately	ADV
fsr-4050	359	19	act	act	VERB
fsr-4050	359	20	on	on	ADP
fsr-4050	359	21	savings	saving	NOUN
fsr-4050	359	22	for	for	ADP
fsr-4050	359	23	emergencies	emergency	NOUN
fsr-4050	359	24	.	.	PUNCT
fsr-4050	360	1	therefore	therefore	ADV
fsr-4050	360	2	,	,	PUNCT
fsr-4050	360	3	the	the	DET
fsr-4050	360	4	results	result	NOUN
fsr-4050	360	5	imply	imply	VERB
fsr-4050	360	6	the	the	DET
fsr-4050	360	7	importance	importance	NOUN
fsr-4050	360	8	of	of	ADP
fsr-4050	360	9	financial	financial	ADJ
fsr-4050	360	10	planning	planning	NOUN
fsr-4050	360	11	to	to	PART
fsr-4050	360	12	align	align	VERB
fsr-4050	360	13	presentoriented	presentoriente	VERB
fsr-4050	360	14	needs	need	NOUN
fsr-4050	360	15	(	(	PUNCT
fsr-4050	360	16	emergency	emergency	NOUN
fsr-4050	360	17	fund	fund	NOUN
fsr-4050	360	18	savings	saving	NOUN
fsr-4050	360	19	)	)	PUNCT
fsr-4050	360	20	with	with	ADP
fsr-4050	360	21	futureoriented	futureoriente	VERB
fsr-4050	360	22	intentions	intention	NOUN
fsr-4050	360	23	(	(	PUNCT
fsr-4050	360	24	long	long	ADJ
fsr-4050	360	25	-	-	PUNCT
fsr-4050	360	26	term	term	NOUN
fsr-4050	360	27	savings	saving	NOUN
fsr-4050	360	28	)	)	PUNCT
fsr-4050	360	29	.	.	PUNCT
fsr-4050	361	1	clients	client	NOUN
fsr-4050	361	2	need	need	VERB
fsr-4050	361	3	to	to	PART
fsr-4050	361	4	set	set	VERB
fsr-4050	361	5	up	up	ADP
fsr-4050	361	6	a	a	DET
fsr-4050	361	7	financial	financial	ADJ
fsr-4050	361	8	goal	goal	NOUN
fsr-4050	361	9	or	or	CCONJ
fsr-4050	361	10	plan	plan	VERB
fsr-4050	361	11	to	to	PART
fsr-4050	361	12	activate	activate	VERB
fsr-4050	361	13	their	their	PRON
fsr-4050	361	14	present	present	ADV
fsr-4050	361	15	-	-	PUNCT
fsr-4050	361	16	oriented	orient	VERB
fsr-4050	361	17	intention	intention	NOUN
fsr-4050	361	18	to	to	PART
fsr-4050	361	19	save	save	VERB
fsr-4050	361	20	for	for	ADP
fsr-4050	361	21	emergencies	emergency	NOUN
fsr-4050	361	22	and	and	CCONJ
fsr-4050	361	23	leverage	leverage	VERB
fsr-4050	361	24	the	the	DET
fsr-4050	361	25	efficiency	efficiency	NOUN
fsr-4050	361	26	of	of	ADP
fsr-4050	361	27	fintech	fintech	NOUN
fsr-4050	361	28	to	to	PART
fsr-4050	361	29	implement	implement	VERB
fsr-4050	361	30	their	their	PRON
fsr-4050	361	31	plan	plan	NOUN
fsr-4050	361	32	.	.	PUNCT
fsr-4050	362	1	kickstart	kickstart	NOUN
fsr-4050	362	2	,	,	PUNCT
fsr-4050	362	3	a	a	DET
fsr-4050	362	4	non	non	ADJ
fsr-4050	362	5	-	-	ADJ
fsr-4050	362	6	profit	profit	ADJ
fsr-4050	362	7	organization	organization	NOUN
fsr-4050	362	8	in	in	ADP
fsr-4050	362	9	kenya	kenya	PROPN
fsr-4050	362	10	,	,	PUNCT
fsr-4050	362	11	conducted	conduct	VERB
fsr-4050	362	12	experimental	experimental	ADJ
fsr-4050	362	13	research	research	NOUN
fsr-4050	362	14	regarding	regard	VERB
fsr-4050	362	15	using	use	VERB
fsr-4050	362	16	fintech	fintech	NOUN
fsr-4050	362	17	to	to	PART
fsr-4050	362	18	help	help	VERB
fsr-4050	362	19	farmers	farmer	NOUN
fsr-4050	362	20	save	save	VERB
fsr-4050	362	21	money	money	NOUN
fsr-4050	362	22	for	for	ADP
fsr-4050	362	23	equipment	equipment	NOUN
fsr-4050	362	24	purchases	purchase	NOUN
fsr-4050	362	25	.	.	PUNCT
fsr-4050	363	1	the	the	DET
fsr-4050	363	2	results	result	NOUN
fsr-4050	363	3	showed	show	VERB
fsr-4050	363	4	that	that	SCONJ
fsr-4050	363	5	using	use	VERB
fsr-4050	363	6	fintech	fintech	NOUN
fsr-4050	363	7	to	to	PART
fsr-4050	363	8	save	save	VERB
fsr-4050	363	9	helped	help	VERB
fsr-4050	363	10	them	they	PRON
fsr-4050	363	11	save	save	VERB
fsr-4050	363	12	faster	fast	ADV
fsr-4050	363	13	than	than	SCONJ
fsr-4050	363	14	expected	expect	VERB
fsr-4050	363	15	(	(	PUNCT
fsr-4050	363	16	omwansa	omwansa	VERB
fsr-4050	363	17	et	et	PROPN
fsr-4050	363	18	al	al	PROPN
fsr-4050	363	19	.	.	PROPN
fsr-4050	363	20	,	,	PUNCT
fsr-4050	363	21	2013	2013	NUM
fsr-4050	363	22	)	)	PUNCT
fsr-4050	363	23	.	.	PUNCT
fsr-4050	364	1	financial	financial	ADJ
fsr-4050	364	2	professionals	professional	NOUN
fsr-4050	364	3	might	might	AUX
fsr-4050	364	4	motivate	motivate	VERB
fsr-4050	364	5	households	household	NOUN
fsr-4050	364	6	to	to	PART
fsr-4050	364	7	establish	establish	VERB
fsr-4050	364	8	financial	financial	ADJ
fsr-4050	364	9	goals	goal	NOUN
fsr-4050	364	10	and	and	CCONJ
fsr-4050	364	11	use	use	VERB
fsr-4050	364	12	fintech	fintech	NOUN
fsr-4050	364	13	for	for	ADP
fsr-4050	364	14	financial	financial	ADJ
fsr-4050	364	15	management	management	NOUN
fsr-4050	364	16	,	,	PUNCT
fsr-4050	364	17	budgeting	budgeting	NOUN
fsr-4050	364	18	,	,	PUNCT
fsr-4050	364	19	regular	regular	ADJ
fsr-4050	364	20	savings	saving	NOUN
fsr-4050	364	21	,	,	PUNCT
fsr-4050	364	22	and	and	CCONJ
fsr-4050	364	23	account	account	NOUN
fsr-4050	364	24	monitoring	monitoring	NOUN
fsr-4050	364	25	.	.	PUNCT
fsr-4050	365	1	second	second	ADJ
fsr-4050	365	2	,	,	PUNCT
fsr-4050	365	3	actual	actual	ADJ
fsr-4050	365	4	fintech	fintech	NOUN
fsr-4050	365	5	use	use	NOUN
fsr-4050	365	6	links	link	NOUN
fsr-4050	365	7	the	the	DET
fsr-4050	365	8	intention	intention	NOUN
fsr-4050	365	9	to	to	PART
fsr-4050	365	10	use	use	VERB
fsr-4050	365	11	fintech	fintech	NOUN
fsr-4050	365	12	to	to	PART
fsr-4050	365	13	save	save	VERB
fsr-4050	365	14	and	and	CCONJ
fsr-4050	365	15	the	the	DET
fsr-4050	365	16	savings	saving	NOUN
fsr-4050	365	17	behavior	behavior	NOUN
fsr-4050	365	18	.	.	PUNCT
fsr-4050	366	1	however	however	ADV
fsr-4050	366	2	,	,	PUNCT
fsr-4050	366	3	the	the	DET
fsr-4050	366	4	forms	form	NOUN
fsr-4050	366	5	of	of	ADP
fsr-4050	366	6	fintech	fintech	NOUN
fsr-4050	366	7	use	use	NOUN
fsr-4050	366	8	matter	matter	NOUN
fsr-4050	366	9	(	(	PUNCT
fsr-4050	366	10	nourallah	nourallah	PROPN
fsr-4050	366	11	&	&	CCONJ
fsr-4050	366	12	öhman	öhman	NOUN
fsr-4050	366	13	,	,	PUNCT
fsr-4050	366	14	2021	2021	NUM
fsr-4050	366	15	)	)	PUNCT
fsr-4050	366	16	.	.	PUNCT
fsr-4050	367	1	saving	save	VERB
fsr-4050	367	2	websites	website	NOUN
fsr-4050	367	3	help	help	VERB
fsr-4050	367	4	clients	client	NOUN
fsr-4050	367	5	transfer	transfer	VERB
fsr-4050	367	6	their	their	PRON
fsr-4050	367	7	intention	intention	NOUN
fsr-4050	367	8	to	to	PART
fsr-4050	367	9	use	use	VERB
fsr-4050	367	10	fintech	fintech	NOUN
fsr-4050	367	11	to	to	PART
fsr-4050	367	12	achieve	achieve	VERB
fsr-4050	367	13	adequate	adequate	ADJ
fsr-4050	367	14	emergency	emergency	NOUN
fsr-4050	367	15	fund	fund	NOUN
fsr-4050	367	16	savings	saving	NOUN
fsr-4050	367	17	.	.	PUNCT
fsr-4050	368	1	websites	website	NOUN
fsr-4050	368	2	users	user	NOUN
fsr-4050	368	3	’	'	PUNCT
fsr-4050	368	4	perceived	perceive	VERB
fsr-4050	368	5	chen	chen	PROPN
fsr-4050	368	6	et	et	PROPN
fsr-4050	368	7	al	al	PROPN
fsr-4050	368	8	.	.	PROPN
fsr-4050	368	9	39	39	NUM
fsr-4050	368	10	usefulness	usefulness	NOUN
fsr-4050	368	11	,	,	PUNCT
fsr-4050	368	12	perceived	perceive	VERB
fsr-4050	368	13	ease	ease	NOUN
fsr-4050	368	14	of	of	ADP
fsr-4050	368	15	use	use	NOUN
fsr-4050	368	16	,	,	PUNCT
fsr-4050	368	17	social	social	ADJ
fsr-4050	368	18	influence	influence	NOUN
fsr-4050	368	19	,	,	PUNCT
fsr-4050	368	20	and	and	CCONJ
fsr-4050	368	21	trust	trust	NOUN
fsr-4050	368	22	could	could	AUX
fsr-4050	368	23	contribute	contribute	VERB
fsr-4050	368	24	to	to	ADP
fsr-4050	368	25	the	the	DET
fsr-4050	368	26	intention	intention	NOUN
fsr-4050	368	27	to	to	PART
fsr-4050	368	28	use	use	VERB
fsr-4050	368	29	websites	website	NOUN
fsr-4050	368	30	for	for	ADP
fsr-4050	368	31	savings	saving	NOUN
fsr-4050	368	32	.	.	PUNCT
fsr-4050	369	1	in	in	ADP
fsr-4050	369	2	contrast	contrast	NOUN
fsr-4050	369	3	,	,	PUNCT
fsr-4050	369	4	our	our	PRON
fsr-4050	369	5	finding	finding	NOUN
fsr-4050	369	6	regarding	regard	VERB
fsr-4050	369	7	saving	save	VERB
fsr-4050	369	8	app	app	NOUN
fsr-4050	369	9	use	use	NOUN
fsr-4050	369	10	calls	call	VERB
fsr-4050	369	11	attention	attention	NOUN
fsr-4050	369	12	to	to	ADP
fsr-4050	369	13	the	the	DET
fsr-4050	369	14	practices	practice	NOUN
fsr-4050	369	15	.	.	PUNCT
fsr-4050	370	1	fintech	fintech	NOUN
fsr-4050	370	2	companies	company	NOUN
fsr-4050	370	3	need	need	VERB
fsr-4050	370	4	to	to	PART
fsr-4050	370	5	make	make	VERB
fsr-4050	370	6	more	more	ADJ
fsr-4050	370	7	efforts	effort	NOUN
fsr-4050	370	8	to	to	PART
fsr-4050	370	9	develop	develop	VERB
fsr-4050	370	10	saving	save	VERB
fsr-4050	370	11	apps	app	NOUN
fsr-4050	370	12	to	to	PART
fsr-4050	370	13	improve	improve	VERB
fsr-4050	370	14	their	their	PRON
fsr-4050	370	15	efficiency	efficiency	NOUN
fsr-4050	370	16	and	and	CCONJ
fsr-4050	370	17	effectiveness	effectiveness	NOUN
fsr-4050	370	18	.	.	PUNCT
fsr-4050	371	1	financial	financial	ADJ
fsr-4050	371	2	institutions	institution	NOUN
fsr-4050	371	3	might	might	AUX
fsr-4050	371	4	help	help	VERB
fsr-4050	371	5	consumers	consumer	NOUN
fsr-4050	371	6	enhance	enhance	VERB
fsr-4050	371	7	their	their	PRON
fsr-4050	371	8	digital	digital	ADJ
fsr-4050	371	9	financial	financial	ADJ
fsr-4050	371	10	knowledge	knowledge	NOUN
fsr-4050	371	11	to	to	PART
fsr-4050	371	12	improve	improve	VERB
fsr-4050	371	13	the	the	DET
fsr-4050	371	14	acceptance	acceptance	NOUN
fsr-4050	371	15	and	and	CCONJ
fsr-4050	371	16	trust	trust	NOUN
fsr-4050	371	17	in	in	ADP
fsr-4050	371	18	using	use	VERB
fsr-4050	371	19	saving	save	VERB
fsr-4050	371	20	apps	app	NOUN
fsr-4050	371	21	for	for	ADP
fsr-4050	371	22	savings	saving	NOUN
fsr-4050	371	23	(	(	PUNCT
fsr-4050	371	24	setiawan	setiawan	X
fsr-4050	371	25	et	et	PROPN
fsr-4050	371	26	al	al	PROPN
fsr-4050	371	27	.	.	PROPN
fsr-4050	371	28	,	,	PUNCT
fsr-4050	371	29	2022	2022	NUM
fsr-4050	371	30	)	)	PUNCT
fsr-4050	371	31	.	.	PUNCT
fsr-4050	372	1	saving	save	VERB
fsr-4050	372	2	apps	app	NOUN
fsr-4050	372	3	that	that	PRON
fsr-4050	372	4	allow	allow	VERB
fsr-4050	372	5	fintech	fintech	NOUN
fsr-4050	372	6	users	user	NOUN
fsr-4050	372	7	to	to	PART
fsr-4050	372	8	customize	customize	VERB
fsr-4050	372	9	and	and	CCONJ
fsr-4050	372	10	set	set	VERB
fsr-4050	372	11	savings	saving	NOUN
fsr-4050	372	12	goals	goal	NOUN
fsr-4050	372	13	(	(	PUNCT
fsr-4050	372	14	gargano	gargano	PROPN
fsr-4050	372	15	&	&	CCONJ
fsr-4050	372	16	rossi	rossi	PROPN
fsr-4050	372	17	,	,	PUNCT
fsr-4050	372	18	2024	2024	NUM
fsr-4050	372	19	)	)	PUNCT
fsr-4050	372	20	and	and	CCONJ
fsr-4050	372	21	to	to	PART
fsr-4050	372	22	use	use	VERB
fsr-4050	372	23	strategies	strategy	NOUN
fsr-4050	372	24	to	to	PART
fsr-4050	372	25	accommodate	accommodate	VERB
fsr-4050	372	26	their	their	PRON
fsr-4050	372	27	savings	saving	NOUN
fsr-4050	372	28	capability	capability	NOUN
fsr-4050	372	29	might	might	AUX
fsr-4050	372	30	motivate	motivate	VERB
fsr-4050	372	31	their	their	PRON
fsr-4050	372	32	savings	saving	NOUN
fsr-4050	372	33	behavior	behavior	NOUN
fsr-4050	372	34	(	(	PUNCT
fsr-4050	372	35	löwgren	löwgren	PROPN
fsr-4050	372	36	,	,	PUNCT
fsr-4050	372	37	2023	2023	NUM
fsr-4050	372	38	)	)	PUNCT
fsr-4050	372	39	.	.	PUNCT
fsr-4050	373	1	mobile	mobile	ADJ
fsr-4050	373	2	banking	banking	NOUN
fsr-4050	373	3	apps	app	NOUN
fsr-4050	373	4	with	with	ADP
fsr-4050	373	5	specific	specific	ADJ
fsr-4050	373	6	features	feature	NOUN
fsr-4050	373	7	(	(	PUNCT
fsr-4050	373	8	i.e.	i.e.	X
fsr-4050	373	9	,	,	PUNCT
fsr-4050	373	10	ease	ease	NOUN
fsr-4050	373	11	of	of	ADP
fsr-4050	373	12	use	use	NOUN
fsr-4050	373	13	,	,	PUNCT
fsr-4050	373	14	security	security	NOUN
fsr-4050	373	15	)	)	PUNCT
fsr-4050	373	16	might	might	AUX
fsr-4050	373	17	help	help	VERB
fsr-4050	373	18	establish	establish	VERB
fsr-4050	373	19	bank	bank	PROPN
fsr-4050	373	20	account	account	NOUN
fsr-4050	373	21	holders	holder	NOUN
fsr-4050	373	22	’	'	PUNCT
fsr-4050	373	23	trust	trust	NOUN
fsr-4050	373	24	in	in	ADP
fsr-4050	373	25	actually	actually	ADV
fsr-4050	373	26	using	use	VERB
fsr-4050	373	27	fintech	fintech	NOUN
fsr-4050	373	28	,	,	PUNCT
fsr-4050	373	29	thus	thus	ADV
fsr-4050	373	30	improving	improve	VERB
fsr-4050	373	31	their	their	PRON
fsr-4050	373	32	engagement	engagement	NOUN
fsr-4050	373	33	in	in	ADP
fsr-4050	373	34	savings	saving	NOUN
fsr-4050	373	35	(	(	PUNCT
fsr-4050	373	36	samartha	samartha	X
fsr-4050	373	37	et	et	PROPN
fsr-4050	373	38	al	al	PROPN
fsr-4050	373	39	.	.	PROPN
fsr-4050	373	40	,	,	PUNCT
fsr-4050	373	41	2022	2022	NUM
fsr-4050	373	42	;	;	PUNCT
fsr-4050	373	43	sandrine	sandrine	PROPN
fsr-4050	373	44	et	et	PROPN
fsr-4050	373	45	al	al	PROPN
fsr-4050	373	46	.	.	PROPN
fsr-4050	373	47	,	,	PUNCT
fsr-4050	373	48	2019	2019	NUM
fsr-4050	373	49	)	)	PUNCT
fsr-4050	373	50	.	.	PUNCT
fsr-4050	374	1	last	last	ADJ
fsr-4050	374	2	but	but	CCONJ
fsr-4050	374	3	not	not	PART
fsr-4050	374	4	least	least	ADJ
fsr-4050	374	5	,	,	PUNCT
fsr-4050	374	6	governments	government	NOUN
fsr-4050	374	7	might	might	AUX
fsr-4050	374	8	help	help	VERB
fsr-4050	374	9	households	household	NOUN
fsr-4050	374	10	establish	establish	VERB
fsr-4050	374	11	adequate	adequate	ADJ
fsr-4050	374	12	emergency	emergency	NOUN
fsr-4050	374	13	fund	fund	NOUN
fsr-4050	374	14	savings	saving	NOUN
fsr-4050	374	15	.	.	PUNCT
fsr-4050	375	1	according	accord	VERB
fsr-4050	375	2	to	to	ADP
fsr-4050	375	3	u.s	u.s	PROPN
fsr-4050	375	4	.	.	PROPN
fsr-4050	375	5	congress	congress	PROPN
fsr-4050	375	6	(	(	PUNCT
fsr-4050	375	7	2021	2021	NUM
fsr-4050	375	8	)	)	PUNCT
fsr-4050	375	9	,	,	PUNCT
fsr-4050	375	10	the	the	DET
fsr-4050	375	11	refund	refund	NOUN
fsr-4050	375	12	to	to	ADP
fsr-4050	375	13	rainy	rainy	ADJ
fsr-4050	375	14	day	day	NOUN
fsr-4050	375	15	savings	saving	NOUN
fsr-4050	375	16	act	act	NOUN
fsr-4050	375	17	was	be	AUX
fsr-4050	375	18	proposed	propose	VERB
fsr-4050	375	19	to	to	PART
fsr-4050	375	20	defer	defer	VERB
fsr-4050	375	21	20	20	NUM
fsr-4050	375	22	percent	percent	NOUN
fsr-4050	375	23	of	of	ADP
fsr-4050	375	24	tax	tax	NOUN
fsr-4050	375	25	refunds	refund	NOUN
fsr-4050	375	26	to	to	ADP
fsr-4050	375	27	taxpayers	taxpayer	NOUN
fsr-4050	375	28	'	'	PART
fsr-4050	375	29	emergency	emergency	NOUN
fsr-4050	375	30	fund	fund	NOUN
fsr-4050	375	31	savings	saving	NOUN
fsr-4050	375	32	accounts	account	NOUN
fsr-4050	375	33	to	to	PART
fsr-4050	375	34	help	help	VERB
fsr-4050	375	35	them	they	PRON
fsr-4050	375	36	respond	respond	VERB
fsr-4050	375	37	successfully	successfully	ADV
fsr-4050	375	38	to	to	ADP
fsr-4050	375	39	unexpected	unexpected	ADJ
fsr-4050	375	40	financial	financial	ADJ
fsr-4050	375	41	difficulties	difficulty	NOUN
fsr-4050	375	42	.	.	PUNCT
fsr-4050	376	1	this	this	DET
fsr-4050	376	2	opt	opt	PROPN
fsr-4050	376	3	-	-	PUNCT
fsr-4050	376	4	in	in	ADP
fsr-4050	376	5	program	program	NOUN
fsr-4050	376	6	would	would	AUX
fsr-4050	376	7	help	help	VERB
fsr-4050	376	8	taxpayers	taxpayer	NOUN
fsr-4050	376	9	convert	convert	VERB
fsr-4050	376	10	future	future	ADJ
fsr-4050	376	11	-	-	PUNCT
fsr-4050	376	12	oriented	orient	VERB
fsr-4050	376	13	intentions	intention	NOUN
fsr-4050	376	14	to	to	PART
fsr-4050	376	15	present	present	VERB
fsr-4050	376	16	-	-	PUNCT
fsr-4050	376	17	oriented	orient	VERB
fsr-4050	376	18	intentions	intention	NOUN
fsr-4050	376	19	to	to	PART
fsr-4050	376	20	save	save	VERB
fsr-4050	376	21	for	for	ADP
fsr-4050	376	22	emergency	emergency	NOUN
fsr-4050	376	23	funds	fund	NOUN
fsr-4050	376	24	when	when	SCONJ
fsr-4050	376	25	tax	tax	NOUN
fsr-4050	376	26	refunds	refund	NOUN
fsr-4050	376	27	are	be	AUX
fsr-4050	376	28	available	available	ADJ
fsr-4050	376	29	through	through	ADP
fsr-4050	376	30	fintech	fintech	NOUN
fsr-4050	376	31	.	.	PUNCT
fsr-4050	377	1	references	reference	NOUN
fsr-4050	377	2	abis	abis	PROPN
fsr-4050	377	3	,	,	PUNCT
fsr-4050	377	4	d.	d.	PROPN
fsr-4050	377	5	,	,	PUNCT
fsr-4050	377	6	pia	pia	PROPN
fsr-4050	377	7	,	,	PUNCT
fsr-4050	377	8	p.	p.	PROPN
fsr-4050	377	9	,	,	PUNCT
fsr-4050	377	10	&	&	CCONJ
fsr-4050	377	11	limbu	limbu	PROPN
fsr-4050	377	12	,	,	PUNCT
fsr-4050	377	13	y.	y.	PROPN
fsr-4050	377	14	(	(	PUNCT
fsr-4050	377	15	2025	2025	NUM
fsr-4050	377	16	)	)	PUNCT
fsr-4050	377	17	.	.	PUNCT
fsr-4050	378	1	fintech	fintech	NOUN
fsr-4050	378	2	and	and	CCONJ
fsr-4050	378	3	consumers	consumer	NOUN
fsr-4050	378	4	:	:	PUNCT
fsr-4050	378	5	a	a	DET
fsr-4050	378	6	systematic	systematic	ADJ
fsr-4050	378	7	review	review	NOUN
fsr-4050	378	8	and	and	CCONJ
fsr-4050	378	9	integrative	integrative	ADJ
fsr-4050	378	10	framework	framework	NOUN
fsr-4050	378	11	.	.	PUNCT
fsr-4050	379	1	management	management	NOUN
fsr-4050	379	2	decision	decision	NOUN
fsr-4050	379	3	,	,	PUNCT
fsr-4050	379	4	63(1	63(1	NUM
fsr-4050	379	5	)	)	PUNCT
fsr-4050	379	6	,	,	PUNCT
fsr-4050	379	7	49	49	NUM
fsr-4050	379	8	-	-	SYM
fsr-4050	379	9	75	75	NUM
fsr-4050	379	10	.	.	PUNCT
fsr-4050	380	1	https://doi.org/10.1108/md-07-2023-1136	https://doi.org/10.1108/md-07-2023-1136	PROPN
fsr-4050	380	2	agarwal	agarwal	PROPN
fsr-4050	380	3	,	,	PUNCT
fsr-4050	380	4	s.	s.	PROPN
fsr-4050	380	5	,	,	PUNCT
fsr-4050	380	6	skiba	skiba	PROPN
fsr-4050	380	7	,	,	PUNCT
fsr-4050	380	8	p.	p.	NOUN
fsr-4050	380	9	m.	m.	NOUN
fsr-4050	380	10	,	,	PUNCT
fsr-4050	380	11	&	&	CCONJ
fsr-4050	380	12	tobacman	tobacman	NOUN
fsr-4050	380	13	,	,	PUNCT
fsr-4050	380	14	j.	j.	PROPN
fsr-4050	380	15	(	(	PUNCT
fsr-4050	380	16	2009	2009	NUM
fsr-4050	380	17	)	)	PUNCT
fsr-4050	380	18	.	.	PUNCT
fsr-4050	381	1	payday	payday	NOUN
fsr-4050	381	2	loans	loan	NOUN
fsr-4050	381	3	and	and	CCONJ
fsr-4050	381	4	credit	credit	NOUN
fsr-4050	381	5	cards	card	NOUN
fsr-4050	381	6	:	:	PUNCT
fsr-4050	381	7	new	new	ADJ
fsr-4050	381	8	liquidity	liquidity	NOUN
fsr-4050	381	9	and	and	CCONJ
fsr-4050	381	10	credit	credit	NOUN
fsr-4050	381	11	scoring	scoring	NOUN
fsr-4050	381	12	puzzles	puzzle	NOUN
fsr-4050	381	13	?	?	PUNCT
fsr-4050	382	1	american	american	PROPN
fsr-4050	382	2	economic	economic	PROPN
fsr-4050	382	3	review	review	PROPN
fsr-4050	382	4	,	,	PUNCT
fsr-4050	382	5	99(2	99(2	PROPN
fsr-4050	382	6	)	)	PUNCT
fsr-4050	382	7	,	,	PUNCT
fsr-4050	382	8	412–417	412–417	NUM
fsr-4050	382	9	.	.	PUNCT
fsr-4050	383	1	https://doi.org/10.1257/aer.99.2.412	https://doi.org/10.1257/aer.99.2.412	NOUN
fsr-4050	383	2	ajzen	ajzen	NOUN
fsr-4050	383	3	,	,	PUNCT
fsr-4050	383	4	i.	i.	NOUN
fsr-4050	383	5	(	(	PUNCT
fsr-4050	383	6	1991	1991	NUM
fsr-4050	383	7	)	)	PUNCT
fsr-4050	383	8	.	.	PUNCT
fsr-4050	384	1	the	the	DET
fsr-4050	384	2	theory	theory	NOUN
fsr-4050	384	3	of	of	ADP
fsr-4050	384	4	planned	plan	VERB
fsr-4050	384	5	behavior	behavior	NOUN
fsr-4050	384	6	.	.	PUNCT
fsr-4050	385	1	organizational	organizational	ADJ
fsr-4050	385	2	behavior	behavior	NOUN
fsr-4050	385	3	and	and	CCONJ
fsr-4050	385	4	human	human	ADJ
fsr-4050	385	5	decision	decision	NOUN
fsr-4050	385	6	processes	process	NOUN
fsr-4050	385	7	,	,	PUNCT
fsr-4050	385	8	50(2	50(2	NUM
fsr-4050	385	9	)	)	PUNCT
fsr-4050	385	10	,	,	PUNCT
fsr-4050	385	11	179–211	179–211	NUM
fsr-4050	385	12	.	.	PUNCT
fsr-4050	386	1	https://doi.org/10.1016/07495978(91)90020-t	https://doi.org/10.1016/07495978(91)90020-t	ADJ
fsr-4050	386	2	ajzen	ajzen	NOUN
fsr-4050	386	3	,	,	PUNCT
fsr-4050	386	4	i.	i.	NOUN
fsr-4050	386	5	(	(	PUNCT
fsr-4050	386	6	2006	2006	NUM
fsr-4050	386	7	)	)	PUNCT
fsr-4050	386	8	.	.	PUNCT
fsr-4050	387	1	constructing	construct	VERB
fsr-4050	387	2	a	a	DET
fsr-4050	387	3	theory	theory	NOUN
fsr-4050	387	4	of	of	ADP
fsr-4050	387	5	planned	plan	VERB
fsr-4050	387	6	behavior	behavior	NOUN
fsr-4050	387	7	questionnaire	questionnaire	NOUN
fsr-4050	387	8	.	.	PUNCT
fsr-4050	388	1	[	[	X
fsr-4050	388	2	unpublished	unpublished	ADJ
fsr-4050	388	3	manuscript	manuscript	NOUN
fsr-4050	388	4	]	]	PUNCT
fsr-4050	388	5	.	.	PUNCT
fsr-4050	389	1	university	university	PROPN
fsr-4050	389	2	of	of	ADP
fsr-4050	389	3	massachusetts	massachusetts	PROPN
fsr-4050	389	4	amherst	amherst	PROPN
fsr-4050	389	5	.	.	PUNCT
fsr-4050	390	1	https://people.umass.edu/aizen/pdf/tpb.meas	https://people.umass.edu/aizen/pdf/tpb.meas	PROPN
fsr-4050	390	2	urement.pdf	urement.pdf	PROPN
fsr-4050	390	3	ajzen	ajzen	NOUN
fsr-4050	390	4	,	,	PUNCT
fsr-4050	390	5	i.	i.	NOUN
fsr-4050	390	6	(	(	PUNCT
fsr-4050	390	7	2020	2020	NUM
fsr-4050	390	8	)	)	PUNCT
fsr-4050	390	9	.	.	PUNCT
fsr-4050	391	1	the	the	DET
fsr-4050	391	2	theory	theory	NOUN
fsr-4050	391	3	of	of	ADP
fsr-4050	391	4	planned	plan	VERB
fsr-4050	391	5	behavior	behavior	NOUN
fsr-4050	391	6	:	:	PUNCT
fsr-4050	391	7	frequently	frequently	ADV
fsr-4050	391	8	asked	ask	VERB
fsr-4050	391	9	questions	question	NOUN
fsr-4050	391	10	.	.	PUNCT
fsr-4050	392	1	human	human	ADJ
fsr-4050	392	2	behavior	behavior	NOUN
fsr-4050	392	3	and	and	CCONJ
fsr-4050	392	4	emerging	emerge	VERB
fsr-4050	392	5	technologies	technology	NOUN
fsr-4050	392	6	,	,	PUNCT
fsr-4050	392	7	2(4	2(4	NUM
fsr-4050	392	8	)	)	PUNCT
fsr-4050	392	9	,	,	PUNCT
fsr-4050	392	10	314–324	314–324	NUM
fsr-4050	392	11	.	.	PUNCT
fsr-4050	393	1	https://doi.org/10.1002/hbe2.195	https://doi.org/10.1002/hbe2.195	PROPN
fsr-4050	393	2	al	al	PROPN
fsr-4050	393	3	nawayseh	nawayseh	PROPN
fsr-4050	393	4	,	,	PUNCT
fsr-4050	393	5	m.	m.	PROPN
fsr-4050	393	6	k.	k.	PROPN
fsr-4050	393	7	(	(	PUNCT
fsr-4050	393	8	2020	2020	NUM
fsr-4050	393	9	)	)	PUNCT
fsr-4050	393	10	.	.	PUNCT
fsr-4050	394	1	fintech	fintech	NOUN
fsr-4050	394	2	in	in	ADP
fsr-4050	394	3	covid-19	covid-19	PROPN
fsr-4050	394	4	and	and	CCONJ
fsr-4050	394	5	beyond	beyond	ADP
fsr-4050	394	6	:	:	PUNCT
fsr-4050	394	7	what	what	DET
fsr-4050	394	8	factors	factor	NOUN
fsr-4050	394	9	are	be	AUX
fsr-4050	394	10	affecting	affect	VERB
fsr-4050	394	11	customers	customer	NOUN
fsr-4050	394	12	’	'	PUNCT
fsr-4050	394	13	choice	choice	NOUN
fsr-4050	394	14	of	of	ADP
fsr-4050	394	15	fintech	fintech	NOUN
fsr-4050	394	16	applications	application	NOUN
fsr-4050	394	17	?	?	PUNCT
fsr-4050	395	1	journal	journal	NOUN
fsr-4050	395	2	of	of	ADP
fsr-4050	395	3	open	open	ADJ
fsr-4050	395	4	innovation	innovation	NOUN
fsr-4050	395	5	:	:	PUNCT
fsr-4050	395	6	technology	technology	NOUN
fsr-4050	395	7	,	,	PUNCT
fsr-4050	395	8	market	market	NOUN
fsr-4050	395	9	,	,	PUNCT
fsr-4050	395	10	and	and	CCONJ
fsr-4050	395	11	complexity	complexity	NOUN
fsr-4050	395	12	,	,	PUNCT
fsr-4050	395	13	6(4	6(4	NUM
fsr-4050	395	14	)	)	PUNCT
fsr-4050	395	15	,	,	PUNCT
fsr-4050	395	16	153	153	NUM
fsr-4050	395	17	.	.	PUNCT
fsr-4050	396	1	https://doi.org/10.3390/joitmc6040153	https://doi.org/10.3390/joitmc6040153	PROPN
fsr-4050	396	2	anderson	anderson	PROPN
fsr-4050	396	3	,	,	PUNCT
fsr-4050	396	4	a.	a.	PROPN
fsr-4050	396	5	,	,	PUNCT
fsr-4050	396	6	baker	baker	PROPN
fsr-4050	396	7	,	,	PUNCT
fsr-4050	396	8	f.	f.	PROPN
fsr-4050	396	9	,	,	PUNCT
fsr-4050	396	10	&	&	CCONJ
fsr-4050	396	11	robinson	robinson	PROPN
fsr-4050	396	12	,	,	PUNCT
fsr-4050	396	13	d.	d.	PROPN
fsr-4050	396	14	t.	t.	PROPN
fsr-4050	396	15	(	(	PUNCT
fsr-4050	396	16	2017	2017	NUM
fsr-4050	396	17	)	)	PUNCT
fsr-4050	396	18	.	.	PUNCT
fsr-4050	397	1	precautionary	precautionary	ADJ
fsr-4050	397	2	savings	saving	NOUN
fsr-4050	397	3	,	,	PUNCT
fsr-4050	397	4	retirement	retirement	NOUN
fsr-4050	397	5	planning	planning	NOUN
fsr-4050	397	6	,	,	PUNCT
fsr-4050	397	7	and	and	CCONJ
fsr-4050	397	8	misperceptions	misperception	NOUN
fsr-4050	397	9	of	of	ADP
fsr-4050	397	10	financial	financial	ADJ
fsr-4050	397	11	literacy	literacy	NOUN
fsr-4050	397	12	.	.	PUNCT
fsr-4050	398	1	journal	journal	NOUN
fsr-4050	398	2	of	of	ADP
fsr-4050	398	3	financial	financial	ADJ
fsr-4050	398	4	economics	economic	NOUN
fsr-4050	398	5	,	,	PUNCT
fsr-4050	398	6	126(2	126(2	NUM
fsr-4050	398	7	)	)	PUNCT
fsr-4050	398	8	,	,	PUNCT
fsr-4050	398	9	383–398	383–398	NUM
fsr-4050	398	10	.	.	PUNCT
fsr-4050	399	1	https://doi.org/10.1016/j.jfineco.2017.07.008	https://doi.org/10.1016/j.jfineco.2017.07.008	NOUN
fsr-4050	399	2	ando	ando	PROPN
fsr-4050	399	3	,	,	PUNCT
fsr-4050	399	4	a.	a.	PROPN
fsr-4050	399	5	,	,	PUNCT
fsr-4050	399	6	&	&	CCONJ
fsr-4050	399	7	modigliani	modigliani	PROPN
fsr-4050	399	8	,	,	PUNCT
fsr-4050	399	9	f.	f.	PROPN
fsr-4050	399	10	(	(	PUNCT
fsr-4050	399	11	1963	1963	NUM
fsr-4050	399	12	)	)	PUNCT
fsr-4050	399	13	.	.	PUNCT
fsr-4050	400	1	the	the	DET
fsr-4050	400	2	"	"	PUNCT
fsr-4050	400	3	life	life	NOUN
fsr-4050	400	4	cycle	cycle	NOUN
fsr-4050	400	5	"	"	PUNCT
fsr-4050	400	6	hypothesis	hypothesis	NOUN
fsr-4050	400	7	of	of	ADP
fsr-4050	400	8	saving	saving	NOUN
fsr-4050	400	9	:	:	PUNCT
fsr-4050	400	10	aggregate	aggregate	VERB
fsr-4050	400	11	implications	implication	NOUN
fsr-4050	400	12	and	and	CCONJ
fsr-4050	400	13	tests	test	NOUN
fsr-4050	400	14	.	.	PUNCT
fsr-4050	401	1	the	the	DET
fsr-4050	401	2	american	american	PROPN
fsr-4050	401	3	economic	economic	PROPN
fsr-4050	401	4	review	review	PROPN
fsr-4050	401	5	,	,	PUNCT
fsr-4050	401	6	53(1	53(1	NOUN
fsr-4050	401	7	)	)	PUNCT
fsr-4050	401	8	,	,	PUNCT
fsr-4050	401	9	55–84	55–84	PROPN
fsr-4050	401	10	.	.	PUNCT
fsr-4050	402	1	anong	anong	PROPN
fsr-4050	402	2	,	,	PUNCT
fsr-4050	402	3	s.	s.	PROPN
fsr-4050	402	4	t.	t.	PROPN
fsr-4050	402	5	,	,	PUNCT
fsr-4050	402	6	&	&	CCONJ
fsr-4050	402	7	devaney	devaney	PROPN
fsr-4050	402	8	,	,	PUNCT
fsr-4050	402	9	s.	s.	PROPN
fsr-4050	402	10	a.	a.	PROPN
fsr-4050	402	11	(	(	PUNCT
fsr-4050	402	12	2010	2010	NUM
fsr-4050	402	13	)	)	PUNCT
fsr-4050	402	14	.	.	PUNCT
fsr-4050	403	1	determinants	determinant	NOUN
fsr-4050	403	2	of	of	ADP
fsr-4050	403	3	adequate	adequate	ADJ
fsr-4050	403	4	emergency	emergency	NOUN
fsr-4050	403	5	funds	fund	NOUN
fsr-4050	403	6	including	include	VERB
fsr-4050	403	7	the	the	DET
fsr-4050	403	8	effects	effect	NOUN
fsr-4050	403	9	of	of	ADP
fsr-4050	403	10	seeking	seek	VERB
fsr-4050	403	11	professional	professional	ADJ
fsr-4050	403	12	advice	advice	NOUN
fsr-4050	403	13	and	and	CCONJ
fsr-4050	403	14	industry	industry	NOUN
fsr-4050	403	15	affiliation	affiliation	NOUN
fsr-4050	403	16	.	.	PUNCT
fsr-4050	404	1	family	family	NOUN
fsr-4050	404	2	and	and	CCONJ
fsr-4050	404	3	consumer	consumer	NOUN
fsr-4050	404	4	sciences	sciences	PROPN
fsr-4050	404	5	research	research	NOUN
fsr-4050	404	6	journal	journal	NOUN
fsr-4050	404	7	,	,	PUNCT
fsr-4050	404	8	38(4	38(4	NUM
fsr-4050	404	9	)	)	PUNCT
fsr-4050	404	10	,	,	PUNCT
fsr-4050	404	11	405–419	405–419	NUM
fsr-4050	404	12	.	.	PUNCT
fsr-4050	405	1	https://doi.org/10.1111/j.15523934.2010.00035.x	https://doi.org/10.1111/j.15523934.2010.00035.x	X
fsr-4050	405	2	anvari	anvari	ADJ
fsr-4050	405	3	-	-	PUNCT
fsr-4050	405	4	clark	clark	PROPN
fsr-4050	405	5	,	,	PUNCT
fsr-4050	405	6	j.	j.	PROPN
fsr-4050	405	7	,	,	PUNCT
fsr-4050	405	8	&	&	CCONJ
fsr-4050	405	9	ansong	ansong	PROPN
fsr-4050	405	10	,	,	PUNCT
fsr-4050	405	11	d.	d.	PROPN
fsr-4050	405	12	(	(	PUNCT
fsr-4050	405	13	2022	2022	NUM
fsr-4050	405	14	)	)	PUNCT
fsr-4050	405	15	.	.	PUNCT
fsr-4050	406	1	predicting	predict	VERB
fsr-4050	406	2	financial	financial	ADJ
fsr-4050	406	3	well	well	NOUN
fsr-4050	406	4	-	-	PUNCT
fsr-4050	406	5	being	be	AUX
fsr-4050	406	6	using	use	VERB
fsr-4050	406	7	the	the	DET
fsr-4050	406	8	financial	financial	ADJ
fsr-4050	406	9	capability	capability	NOUN
fsr-4050	406	10	perspective	perspective	NOUN
fsr-4050	406	11	:	:	PUNCT
fsr-4050	406	12	the	the	DET
fsr-4050	406	13	roles	role	NOUN
fsr-4050	406	14	of	of	ADP
fsr-4050	406	15	financial	financial	ADJ
fsr-4050	406	16	shocks	shock	NOUN
fsr-4050	406	17	,	,	PUNCT
fsr-4050	406	18	income	income	NOUN
fsr-4050	406	19	volatility	volatility	NOUN
fsr-4050	406	20	,	,	PUNCT
fsr-4050	406	21	financial	financial	ADJ
fsr-4050	406	22	products	product	NOUN
fsr-4050	406	23	,	,	PUNCT
fsr-4050	406	24	and	and	CCONJ
fsr-4050	406	25	savings	saving	NOUN
fsr-4050	406	26	behaviors	behavior	NOUN
fsr-4050	406	27	.	.	PUNCT
fsr-4050	407	1	journal	journal	NOUN
fsr-4050	407	2	of	of	ADP
fsr-4050	407	3	family	family	NOUN
fsr-4050	407	4	and	and	CCONJ
fsr-4050	407	5	economic	economic	ADJ
fsr-4050	407	6	issues	issue	NOUN
fsr-4050	407	7	,	,	PUNCT
fsr-4050	407	8	43(4	43(4	NOUN
fsr-4050	407	9	)	)	PUNCT
fsr-4050	407	10	,	,	PUNCT
fsr-4050	407	11	730–743	730–743	NUM
fsr-4050	407	12	.	.	PUNCT
fsr-4050	408	1	https://doi.org/10.1007/s10834-022-09849w	https://doi.org/10.1007/s10834-022-09849w	ADV
fsr-4050	408	2	asebedo	asebedo	PROPN
fsr-4050	408	3	,	,	PUNCT
fsr-4050	408	4	s.	s.	PROPN
fsr-4050	408	5	d.	d.	PROPN
fsr-4050	408	6	,	,	PUNCT
fsr-4050	408	7	quadria	quadria	PROPN
fsr-4050	408	8	,	,	PUNCT
fsr-4050	408	9	t.	t.	PROPN
fsr-4050	408	10	h.	h.	PROPN
fsr-4050	408	11	,	,	PUNCT
fsr-4050	408	12	chen	chen	PROPN
fsr-4050	408	13	,	,	PUNCT
fsr-4050	408	14	y.	y.	PROPN
fsr-4050	408	15	,	,	PUNCT
fsr-4050	408	16	&	&	CCONJ
fsr-4050	408	17	montenegro	montenegro	PROPN
fsr-4050	408	18	-	-	PUNCT
fsr-4050	408	19	montenegro	montenegro	PROPN
fsr-4050	408	20	,	,	PUNCT
fsr-4050	408	21	e.	e.	PROPN
fsr-4050	408	22	(	(	PUNCT
fsr-4050	408	23	2022	2022	NUM
fsr-4050	408	24	)	)	PUNCT
fsr-4050	408	25	.	.	PUNCT
fsr-4050	409	1	individual	individual	ADJ
fsr-4050	409	2	differences	difference	NOUN
fsr-4050	409	3	in	in	ADP
fsr-4050	409	4	personality	personality	NOUN
fsr-4050	409	5	and	and	CCONJ
fsr-4050	409	6	positive	positive	ADJ
fsr-4050	409	7	emotion	emotion	NOUN
fsr-4050	409	8	for	for	ADP
fsr-4050	409	9	wealth	wealth	NOUN
fsr-4050	409	10	creation	creation	NOUN
fsr-4050	409	11	.	.	PUNCT
fsr-4050	410	1	personality	personality	NOUN
fsr-4050	410	2	and	and	CCONJ
fsr-4050	410	3	individual	individual	ADJ
fsr-4050	410	4	differences	difference	NOUN
fsr-4050	410	5	,	,	PUNCT
fsr-4050	410	6	199	199	NUM
fsr-4050	410	7	,	,	PUNCT
fsr-4050	410	8	https://doi.org/10.1016/0749-5978(91)90020-t	https://doi.org/10.1016/0749-5978(91)90020-t	PROPN
fsr-4050	410	9	https://doi.org/10.1016/0749-5978(91)90020-t	https://doi.org/10.1016/0749-5978(91)90020-t	PROPN
fsr-4050	410	10	financial	financial	PROPN
fsr-4050	410	11	services	service	NOUN
fsr-4050	410	12	review	review	NOUN
fsr-4050	410	13	,	,	PUNCT
fsr-4050	410	14	33(3	33(3	NOUN
fsr-4050	410	15	)	)	PUNCT
fsr-4050	410	16	40	40	NUM
fsr-4050	410	17	111854	111854	NUM
fsr-4050	410	18	.	.	PUNCT
fsr-4050	411	1	https://doi.org/10.1016/j.paid.2022.111854	https://doi.org/10.1016/j.paid.2022.111854	PROPN
fsr-4050	411	2	asebedo	asebedo	PROPN
fsr-4050	411	3	,	,	PUNCT
fsr-4050	411	4	s.	s.	PROPN
fsr-4050	411	5	d.	d.	PROPN
fsr-4050	411	6	,	,	PUNCT
fsr-4050	411	7	&	&	CCONJ
fsr-4050	411	8	seay	seay	PROPN
fsr-4050	411	9	,	,	PUNCT
fsr-4050	411	10	m.	m.	NOUN
fsr-4050	411	11	c.	c.	PROPN
fsr-4050	411	12	(	(	PUNCT
fsr-4050	411	13	2018	2018	NUM
fsr-4050	411	14	)	)	PUNCT
fsr-4050	411	15	.	.	PUNCT
fsr-4050	412	1	financial	financial	ADJ
fsr-4050	412	2	selfefficacy	selfefficacy	NOUN
fsr-4050	412	3	and	and	CCONJ
fsr-4050	412	4	the	the	DET
fsr-4050	412	5	saving	save	VERB
fsr-4050	412	6	behavior	behavior	NOUN
fsr-4050	412	7	of	of	ADP
fsr-4050	412	8	older	old	ADJ
fsr-4050	412	9	preretirees	preretiree	NOUN
fsr-4050	412	10	.	.	PUNCT
fsr-4050	413	1	journal	journal	PROPN
fsr-4050	413	2	of	of	ADP
fsr-4050	413	3	financial	financial	ADJ
fsr-4050	413	4	counseling	counseling	NOUN
fsr-4050	413	5	and	and	CCONJ
fsr-4050	413	6	planning	planning	NOUN
fsr-4050	413	7	,	,	PUNCT
fsr-4050	413	8	29(2	29(2	NUM
fsr-4050	413	9	)	)	PUNCT
fsr-4050	413	10	,	,	PUNCT
fsr-4050	413	11	357	357	NUM
fsr-4050	413	12	-	-	SYM
fsr-4050	413	13	368	368	NUM
fsr-4050	413	14	.	.	PUNCT
fsr-4050	414	1	https://doi.org/10.1891/1052-3073.29.2.357	https://doi.org/10.1891/1052-3073.29.2.357	PROPN
fsr-4050	414	2	asebedo	asebedo	PROPN
fsr-4050	414	3	,	,	PUNCT
fsr-4050	414	4	s.	s.	PROPN
fsr-4050	414	5	d.	d.	PROPN
fsr-4050	414	6	,	,	PUNCT
fsr-4050	414	7	wilmarth	wilmarth	NOUN
fsr-4050	414	8	,	,	PUNCT
fsr-4050	414	9	m.	m.	NOUN
fsr-4050	414	10	j.	j.	PROPN
fsr-4050	414	11	,	,	PUNCT
fsr-4050	414	12	seay	seay	PROPN
fsr-4050	414	13	,	,	PUNCT
fsr-4050	414	14	m.	m.	PROPN
fsr-4050	414	15	c.	c.	PROPN
fsr-4050	414	16	,	,	PUNCT
fsr-4050	414	17	archuleta	archuleta	PROPN
fsr-4050	414	18	,	,	PUNCT
fsr-4050	414	19	k.	k.	PROPN
fsr-4050	414	20	,	,	PUNCT
fsr-4050	414	21	brase	brase	PROPN
fsr-4050	414	22	,	,	PUNCT
fsr-4050	414	23	g.	g.	PROPN
fsr-4050	414	24	l.	l.	PROPN
fsr-4050	414	25	,	,	PUNCT
fsr-4050	414	26	&	&	CCONJ
fsr-4050	414	27	macdonald	macdonald	PROPN
fsr-4050	414	28	,	,	PUNCT
fsr-4050	414	29	m.	m.	NOUN
fsr-4050	414	30	(	(	PUNCT
fsr-4050	414	31	2019	2019	NUM
fsr-4050	414	32	)	)	PUNCT
fsr-4050	414	33	.	.	PUNCT
fsr-4050	415	1	personality	personality	NOUN
fsr-4050	415	2	and	and	CCONJ
fsr-4050	415	3	saving	save	VERB
fsr-4050	415	4	behavior	behavior	NOUN
fsr-4050	415	5	among	among	ADP
fsr-4050	415	6	older	old	ADJ
fsr-4050	415	7	adults	adult	NOUN
fsr-4050	415	8	.	.	PUNCT
fsr-4050	416	1	journal	journal	NOUN
fsr-4050	416	2	of	of	ADP
fsr-4050	416	3	consumer	consumer	NOUN
fsr-4050	416	4	affairs	affair	NOUN
fsr-4050	416	5	,	,	PUNCT
fsr-4050	416	6	53(2	53(2	NUM
fsr-4050	416	7	)	)	PUNCT
fsr-4050	416	8	,	,	PUNCT
fsr-4050	416	9	488–519	488–519	NUM
fsr-4050	416	10	.	.	PUNCT
fsr-4050	417	1	https://doi.org/10.1111/joca.12199	https://doi.org/10.1111/joca.12199	NOUN
fsr-4050	417	2	babiarz	babiarz	PROPN
fsr-4050	417	3	,	,	PUNCT
fsr-4050	417	4	p.	p.	PROPN
fsr-4050	417	5	,	,	PUNCT
fsr-4050	417	6	&	&	CCONJ
fsr-4050	417	7	robb	robb	PROPN
fsr-4050	417	8	,	,	PUNCT
fsr-4050	417	9	c.	c.	PROPN
fsr-4050	417	10	a.	a.	PROPN
fsr-4050	417	11	(	(	PUNCT
fsr-4050	417	12	2014	2014	NUM
fsr-4050	417	13	)	)	PUNCT
fsr-4050	417	14	.	.	PUNCT
fsr-4050	418	1	financial	financial	ADJ
fsr-4050	418	2	literacy	literacy	NOUN
fsr-4050	418	3	and	and	CCONJ
fsr-4050	418	4	emergency	emergency	NOUN
fsr-4050	418	5	saving	saving	NOUN
fsr-4050	418	6	.	.	PUNCT
fsr-4050	419	1	journal	journal	PROPN
fsr-4050	419	2	of	of	ADP
fsr-4050	419	3	family	family	NOUN
fsr-4050	419	4	and	and	CCONJ
fsr-4050	419	5	economic	economic	ADJ
fsr-4050	419	6	issues	issue	NOUN
fsr-4050	419	7	,	,	PUNCT
fsr-4050	419	8	35(1	35(1	NUM
fsr-4050	419	9	)	)	PUNCT
fsr-4050	419	10	,	,	PUNCT
fsr-4050	419	11	40	40	NUM
fsr-4050	419	12	-	-	SYM
fsr-4050	419	13	50	50	NUM
fsr-4050	419	14	.	.	PUNCT
fsr-4050	420	1	https://doi.org/10.1007/s10834-013-9369-9	https://doi.org/10.1007/s10834-013-9369-9	NUM
fsr-4050	420	2	bagozzi	bagozzi	NOUN
fsr-4050	420	3	,	,	PUNCT
fsr-4050	420	4	r.	r.	PROPN
fsr-4050	420	5	p.	p.	PROPN
fsr-4050	420	6	(	(	PUNCT
fsr-4050	420	7	1992	1992	NUM
fsr-4050	420	8	)	)	PUNCT
fsr-4050	420	9	.	.	PUNCT
fsr-4050	421	1	the	the	DET
fsr-4050	421	2	self	self	NOUN
fsr-4050	421	3	-	-	PUNCT
fsr-4050	421	4	regulation	regulation	NOUN
fsr-4050	421	5	of	of	ADP
fsr-4050	421	6	attitudes	attitude	NOUN
fsr-4050	421	7	,	,	PUNCT
fsr-4050	421	8	intentions	intention	NOUN
fsr-4050	421	9	,	,	PUNCT
fsr-4050	421	10	and	and	CCONJ
fsr-4050	421	11	behavior	behavior	NOUN
fsr-4050	421	12	.	.	PUNCT
fsr-4050	422	1	social	social	ADJ
fsr-4050	422	2	psychology	psychology	NOUN
fsr-4050	422	3	quarterly	quarterly	ADV
fsr-4050	422	4	,	,	PUNCT
fsr-4050	422	5	55(2	55(2	NUM
fsr-4050	422	6	)	)	PUNCT
fsr-4050	422	7	,	,	PUNCT
fsr-4050	422	8	178	178	NUM
fsr-4050	422	9	-	-	SYM
fsr-4050	422	10	204	204	NUM
fsr-4050	422	11	.	.	PUNCT
fsr-4050	423	1	https://doi.org/10.2307/2786945	https://doi.org/10.2307/2786945	CCONJ
fsr-4050	423	2	bajunaied	bajunaied	ADJ
fsr-4050	423	3	,	,	PUNCT
fsr-4050	423	4	k.	k.	PROPN
fsr-4050	423	5	,	,	PUNCT
fsr-4050	423	6	hussin	hussin	PROPN
fsr-4050	423	7	,	,	PUNCT
fsr-4050	423	8	n.	n.	NOUN
fsr-4050	423	9	,	,	PUNCT
fsr-4050	423	10	&	&	CCONJ
fsr-4050	423	11	kamarudin	kamarudin	PROPN
fsr-4050	423	12	,	,	PUNCT
fsr-4050	423	13	s.	s.	PROPN
fsr-4050	423	14	(	(	PUNCT
fsr-4050	423	15	2023	2023	NUM
fsr-4050	423	16	)	)	PUNCT
fsr-4050	423	17	.	.	PUNCT
fsr-4050	424	1	behavioral	behavioral	ADJ
fsr-4050	424	2	intention	intention	NOUN
fsr-4050	424	3	to	to	PART
fsr-4050	424	4	adopt	adopt	VERB
fsr-4050	424	5	fintech	fintech	NOUN
fsr-4050	424	6	services	service	NOUN
fsr-4050	424	7	:	:	PUNCT
fsr-4050	424	8	an	an	DET
fsr-4050	424	9	extension	extension	NOUN
fsr-4050	424	10	of	of	ADP
fsr-4050	424	11	unified	unified	ADJ
fsr-4050	424	12	theory	theory	NOUN
fsr-4050	424	13	of	of	ADP
fsr-4050	424	14	acceptance	acceptance	NOUN
fsr-4050	424	15	and	and	CCONJ
fsr-4050	424	16	use	use	NOUN
fsr-4050	424	17	of	of	ADP
fsr-4050	424	18	technology	technology	NOUN
fsr-4050	424	19	.	.	PUNCT
fsr-4050	425	1	journal	journal	PROPN
fsr-4050	425	2	of	of	ADP
fsr-4050	425	3	open	open	ADJ
fsr-4050	425	4	innovation	innovation	NOUN
fsr-4050	425	5	:	:	PUNCT
fsr-4050	425	6	technology	technology	NOUN
fsr-4050	425	7	,	,	PUNCT
fsr-4050	425	8	market	market	NOUN
fsr-4050	425	9	,	,	PUNCT
fsr-4050	425	10	and	and	CCONJ
fsr-4050	425	11	complexity	complexity	NOUN
fsr-4050	425	12	,	,	PUNCT
fsr-4050	425	13	9(1	9(1	NUM
fsr-4050	425	14	)	)	PUNCT
fsr-4050	425	15	,	,	PUNCT
fsr-4050	425	16	100010	100010	NUM
fsr-4050	425	17	.	.	PUNCT
fsr-4050	426	1	https://doi.org/10.1016/j.joitmc.2023.10001	https://doi.org/10.1016/j.joitmc.2023.10001	NOUN
fsr-4050	426	2	0	0	NUM
fsr-4050	426	3	becker	becker	PROPN
fsr-4050	426	4	,	,	PUNCT
fsr-4050	426	5	g.	g.	PROPN
fsr-4050	426	6	(	(	PUNCT
fsr-4050	426	7	2017	2017	NUM
fsr-4050	426	8	)	)	PUNCT
fsr-4050	426	9	.	.	PUNCT
fsr-4050	427	1	does	do	AUX
fsr-4050	427	2	fintech	fintech	NOUN
fsr-4050	427	3	affect	affect	VERB
fsr-4050	427	4	household	household	NOUN
fsr-4050	427	5	saving	saving	NOUN
fsr-4050	427	6	behavior	behavior	NOUN
fsr-4050	427	7	?	?	PUNCT
fsr-4050	428	1	findings	finding	NOUN
fsr-4050	428	2	from	from	ADP
fsr-4050	428	3	a	a	DET
fsr-4050	428	4	natural	natural	ADJ
fsr-4050	428	5	field	field	NOUN
fsr-4050	428	6	experiment	experiment	NOUN
fsr-4050	428	7	(	(	PUNCT
fsr-4050	428	8	working	working	NOUN
fsr-4050	428	9	paper	paper	NOUN
fsr-4050	428	10	)	)	PUNCT
fsr-4050	428	11	.	.	PUNCT
fsr-4050	429	1	federal	federal	PROPN
fsr-4050	429	2	reserve	reserve	PROPN
fsr-4050	429	3	bank	bank	PROPN
fsr-4050	429	4	of	of	ADP
fsr-4050	429	5	philadelphia	philadelphia	PROPN
fsr-4050	429	6	.	.	PROPN
fsr-4050	429	7	https://www.philadelphiafed.org//media/frbp/assets/events/2017/consumerfinance/fintech-2017/day-2/does-fintechaffect-household-saving-behavior.pdf	https://www.philadelphiafed.org//media/frbp/assets/events/2017/consumerfinance/fintech-2017/day-2/does-fintechaffect-household-saving-behavior.pdf	NOUN
fsr-4050	429	8	beshears	beshear	NOUN
fsr-4050	429	9	,	,	PUNCT
fsr-4050	429	10	j.	j.	PROPN
fsr-4050	429	11	,	,	PUNCT
fsr-4050	429	12	choi	choi	PROPN
fsr-4050	429	13	,	,	PUNCT
fsr-4050	429	14	j.	j.	PROPN
fsr-4050	429	15	j.	j.	PROPN
fsr-4050	429	16	,	,	PUNCT
fsr-4050	429	17	laibson	laibson	PROPN
fsr-4050	429	18	,	,	PUNCT
fsr-4050	429	19	d.	d.	PROPN
fsr-4050	429	20	,	,	PUNCT
fsr-4050	429	21	madrian	madrian	PROPN
fsr-4050	429	22	,	,	PUNCT
fsr-4050	429	23	b.	b.	PROPN
fsr-4050	429	24	c.	c.	PROPN
fsr-4050	429	25	,	,	PUNCT
fsr-4050	429	26	&	&	CCONJ
fsr-4050	429	27	milkman	milkman	PROPN
fsr-4050	429	28	,	,	PUNCT
fsr-4050	429	29	k.	k.	PROPN
fsr-4050	429	30	l.	l.	PROPN
fsr-4050	429	31	(	(	PUNCT
fsr-4050	429	32	2015	2015	NUM
fsr-4050	429	33	)	)	PUNCT
fsr-4050	429	34	.	.	PUNCT
fsr-4050	430	1	the	the	DET
fsr-4050	430	2	effect	effect	NOUN
fsr-4050	430	3	of	of	ADP
fsr-4050	430	4	providing	provide	VERB
fsr-4050	430	5	peer	peer	NOUN
fsr-4050	430	6	information	information	NOUN
fsr-4050	430	7	on	on	ADP
fsr-4050	430	8	retirement	retirement	NOUN
fsr-4050	430	9	savings	saving	NOUN
fsr-4050	430	10	decisions	decision	NOUN
fsr-4050	430	11	.	.	PUNCT
fsr-4050	431	1	the	the	DET
fsr-4050	431	2	journal	journal	NOUN
fsr-4050	431	3	of	of	ADP
fsr-4050	431	4	finance	finance	NOUN
fsr-4050	431	5	,	,	PUNCT
fsr-4050	431	6	70(3	70(3	NOUN
fsr-4050	431	7	)	)	PUNCT
fsr-4050	431	8	,	,	PUNCT
fsr-4050	431	9	1161	1161	NUM
fsr-4050	431	10	-	-	SYM
fsr-4050	431	11	1201	1201	NUM
fsr-4050	431	12	.	.	PUNCT
fsr-4050	432	1	https://doi.org/10.1111/jofi.12258	https://doi.org/10.1111/jofi.12258	PROPN
fsr-4050	432	2	bi	bi	PROPN
fsr-4050	432	3	,	,	PUNCT
fsr-4050	432	4	l.	l.	PROPN
fsr-4050	432	5	,	,	PUNCT
fsr-4050	432	6	&	&	CCONJ
fsr-4050	432	7	montalto	montalto	PROPN
fsr-4050	432	8	,	,	PUNCT
fsr-4050	433	1	c.	c.	PROPN
fsr-4050	433	2	p.	p.	PROPN
fsr-4050	433	3	(	(	PUNCT
fsr-4050	433	4	2004	2004	NUM
fsr-4050	433	5	)	)	PUNCT
fsr-4050	433	6	.	.	PUNCT
fsr-4050	434	1	emergency	emergency	NOUN
fsr-4050	434	2	funds	fund	NOUN
fsr-4050	434	3	and	and	CCONJ
fsr-4050	434	4	alternative	alternative	ADJ
fsr-4050	434	5	forms	form	NOUN
fsr-4050	434	6	of	of	ADP
fsr-4050	434	7	saving	save	VERB
fsr-4050	434	8	.	.	PUNCT
fsr-4050	435	1	financial	financial	ADJ
fsr-4050	435	2	services	services	PROPN
fsr-4050	435	3	review	review	NOUN
fsr-4050	435	4	,	,	PUNCT
fsr-4050	435	5	13(2	13(2	PROPN
fsr-4050	435	6	)	)	PUNCT
fsr-4050	435	7	,	,	PUNCT
fsr-4050	435	8	93–110	93–110	PROPN
fsr-4050	435	9	.	.	PUNCT
fsr-4050	435	10	bosnjak	bosnjak	PROPN
fsr-4050	435	11	,	,	PUNCT
fsr-4050	435	12	m.	m.	NOUN
fsr-4050	435	13	,	,	PUNCT
fsr-4050	435	14	ajzen	ajzen	NOUN
fsr-4050	435	15	,	,	PUNCT
fsr-4050	435	16	i.	i.	NOUN
fsr-4050	435	17	,	,	PUNCT
fsr-4050	435	18	&	&	CCONJ
fsr-4050	435	19	schmidt	schmidt	PROPN
fsr-4050	435	20	,	,	PUNCT
fsr-4050	435	21	p.	p.	NOUN
fsr-4050	435	22	(	(	PUNCT
fsr-4050	435	23	2020	2020	NUM
fsr-4050	435	24	)	)	PUNCT
fsr-4050	435	25	.	.	PUNCT
fsr-4050	436	1	the	the	DET
fsr-4050	436	2	theory	theory	NOUN
fsr-4050	436	3	of	of	ADP
fsr-4050	436	4	planned	plan	VERB
fsr-4050	436	5	behavior	behavior	NOUN
fsr-4050	436	6	:	:	PUNCT
fsr-4050	436	7	selected	select	VERB
fsr-4050	436	8	recent	recent	ADJ
fsr-4050	436	9	advances	advance	NOUN
fsr-4050	436	10	and	and	CCONJ
fsr-4050	436	11	applications	application	NOUN
fsr-4050	436	12	.	.	PUNCT
fsr-4050	437	1	europe	europe	PROPN
fsr-4050	437	2	’s	’s	PART
fsr-4050	437	3	journal	journal	PROPN
fsr-4050	437	4	of	of	ADP
fsr-4050	437	5	psychology	psychology	NOUN
fsr-4050	437	6	,	,	PUNCT
fsr-4050	437	7	16(3	16(3	PROPN
fsr-4050	437	8	)	)	PUNCT
fsr-4050	437	9	,	,	PUNCT
fsr-4050	437	10	352–356	352–356	NUM
fsr-4050	437	11	.	.	PUNCT
fsr-4050	438	1	https://doi.org/10.5964/ejop.v16i3.3107	https://doi.org/10.5964/ejop.v16i3.3107	PROPN
fsr-4050	438	2	bowen	bowen	PROPN
fsr-4050	438	3	,	,	PUNCT
fsr-4050	438	4	h.	h.	PROPN
fsr-4050	438	5	p.	p.	PROPN
fsr-4050	438	6	,	,	PUNCT
fsr-4050	438	7	&	&	CCONJ
fsr-4050	438	8	wiersema	wiersema	PROPN
fsr-4050	438	9	,	,	PUNCT
fsr-4050	438	10	m.	m.	PROPN
fsr-4050	438	11	f.	f.	PROPN
fsr-4050	438	12	(	(	PUNCT
fsr-4050	438	13	1999	1999	NUM
fsr-4050	438	14	)	)	PUNCT
fsr-4050	438	15	.	.	PUNCT
fsr-4050	439	1	matching	match	VERB
fsr-4050	439	2	method	method	NOUN
fsr-4050	439	3	to	to	ADP
fsr-4050	439	4	paradigm	paradigm	NOUN
fsr-4050	439	5	in	in	ADP
fsr-4050	439	6	strategy	strategy	NOUN
fsr-4050	439	7	research	research	NOUN
fsr-4050	439	8	:	:	PUNCT
fsr-4050	439	9	limitations	limitation	NOUN
fsr-4050	439	10	of	of	ADP
fsr-4050	439	11	cross‐sectional	cross‐sectional	ADJ
fsr-4050	439	12	analysis	analysis	NOUN
fsr-4050	439	13	and	and	CCONJ
fsr-4050	439	14	some	some	DET
fsr-4050	439	15	methodological	methodological	ADJ
fsr-4050	439	16	alternatives	alternative	NOUN
fsr-4050	439	17	.	.	PUNCT
fsr-4050	440	1	strategic	strategic	ADJ
fsr-4050	440	2	management	management	NOUN
fsr-4050	440	3	journal	journal	NOUN
fsr-4050	440	4	,	,	PUNCT
fsr-4050	440	5	20(7	20(7	NUM
fsr-4050	440	6	)	)	PUNCT
fsr-4050	440	7	,	,	PUNCT
fsr-4050	440	8	625	625	NUM
fsr-4050	440	9	-	-	SYM
fsr-4050	440	10	636	636	NUM
fsr-4050	440	11	.	.	PUNCT
fsr-4050	441	1	https://doi.org/10.1002/(sici)10970266(199907)20:7%3c625::aidsmj45%3e3.0.co;2-v	https://doi.org/10.1002/(sici)10970266(199907)20:7%3c625::aidsmj45%3e3.0.co;2-v	PROPN
fsr-4050	441	2	brobeck	brobeck	PROPN
fsr-4050	441	3	,	,	PUNCT
fsr-4050	441	4	s.	s.	PROPN
fsr-4050	441	5	(	(	PUNCT
fsr-4050	441	6	2008	2008	NUM
fsr-4050	441	7	)	)	PUNCT
fsr-4050	441	8	.	.	PUNCT
fsr-4050	442	1	understanding	understand	VERB
fsr-4050	442	2	the	the	DET
fsr-4050	442	3	emergency	emergency	NOUN
fsr-4050	442	4	savings	saving	NOUN
fsr-4050	442	5	needs	need	NOUN
fsr-4050	442	6	of	of	ADP
fsr-4050	442	7	lowand	lowand	ADJ
fsr-4050	442	8	moderate	moderate	ADJ
fsr-4050	442	9	-	-	PUNCT
fsr-4050	442	10	income	income	NOUN
fsr-4050	442	11	households	household	NOUN
fsr-4050	442	12	:	:	PUNCT
fsr-4050	442	13	a	a	DET
fsr-4050	442	14	survey	survey	NOUN
fsr-4050	442	15	-	-	PUNCT
fsr-4050	442	16	based	base	VERB
fsr-4050	442	17	analysis	analysis	NOUN
fsr-4050	442	18	of	of	ADP
fsr-4050	442	19	impacts	impact	NOUN
fsr-4050	442	20	,	,	PUNCT
fsr-4050	442	21	causes	cause	NOUN
fsr-4050	442	22	,	,	PUNCT
fsr-4050	442	23	and	and	CCONJ
fsr-4050	442	24	remedies	remedy	NOUN
fsr-4050	442	25	(	(	PUNCT
fsr-4050	442	26	report	report	NOUN
fsr-4050	442	27	)	)	PUNCT
fsr-4050	442	28	.	.	PUNCT
fsr-4050	443	1	consumer	consumer	NOUN
fsr-4050	443	2	federation	federation	PROPN
fsr-4050	443	3	of	of	ADP
fsr-4050	443	4	america	america	PROPN
fsr-4050	443	5	.	.	PUNCT
fsr-4050	444	1	brown	brown	PROPN
fsr-4050	444	2	,	,	PUNCT
fsr-4050	444	3	t.	t.	NOUN
fsr-4050	444	4	a.	a.	NOUN
fsr-4050	444	5	(	(	PUNCT
fsr-4050	444	6	2015	2015	NUM
fsr-4050	444	7	)	)	PUNCT
fsr-4050	444	8	.	.	PUNCT
fsr-4050	445	1	confirmatory	confirmatory	NOUN
fsr-4050	445	2	factor	factor	NOUN
fsr-4050	445	3	analysis	analysis	NOUN
fsr-4050	445	4	for	for	ADP
fsr-4050	445	5	applied	applied	ADJ
fsr-4050	445	6	research	research	NOUN
fsr-4050	445	7	(	(	PUNCT
fsr-4050	445	8	2nd	2nd	ADJ
fsr-4050	445	9	ed	ed	NOUN
fsr-4050	445	10	.	.	PUNCT
fsr-4050	445	11	)	)	PUNCT
fsr-4050	445	12	.	.	PUNCT
fsr-4050	446	1	guilford	guilford	PROPN
fsr-4050	446	2	press	press	PROPN
fsr-4050	446	3	.	.	PUNCT
fsr-4050	447	1	chase	chase	PROPN
fsr-4050	447	2	,	,	PUNCT
fsr-4050	447	3	s.	s.	PROPN
fsr-4050	447	4	,	,	PUNCT
fsr-4050	447	5	gjertson	gjertson	PROPN
fsr-4050	447	6	,	,	PUNCT
fsr-4050	447	7	l.	l.	PROPN
fsr-4050	447	8	,	,	PUNCT
fsr-4050	447	9	&	&	CCONJ
fsr-4050	447	10	collins	collins	PROPN
fsr-4050	447	11	,	,	PUNCT
fsr-4050	447	12	j.	j.	PROPN
fsr-4050	447	13	m.	m.	PROPN
fsr-4050	447	14	(	(	PUNCT
fsr-4050	447	15	2011	2011	NUM
fsr-4050	447	16	)	)	PUNCT
fsr-4050	447	17	.	.	PUNCT
fsr-4050	448	1	coming	come	VERB
fsr-4050	448	2	up	up	ADP
fsr-4050	448	3	with	with	ADP
fsr-4050	448	4	cash	cash	NOUN
fsr-4050	448	5	in	in	ADP
fsr-4050	448	6	a	a	DET
fsr-4050	448	7	pinch	pinch	NOUN
fsr-4050	448	8	:	:	PUNCT
fsr-4050	448	9	emergency	emergency	NOUN
fsr-4050	448	10	savings	saving	NOUN
fsr-4050	448	11	and	and	CCONJ
fsr-4050	448	12	its	its	PRON
fsr-4050	448	13	alternatives	alternative	NOUN
fsr-4050	448	14	(	(	PUNCT
fsr-4050	448	15	cfs	cfs	PROPN
fsr-4050	448	16	issue	issue	NOUN
fsr-4050	448	17	brief	brief	VERB
fsr-4050	448	18	no	no	INTJ
fsr-4050	448	19	.	.	NOUN
fsr-4050	448	20	6	6	NUM
fsr-4050	448	21	)	)	PUNCT
fsr-4050	448	22	.	.	PUNCT
fsr-4050	449	1	center	center	NOUN
fsr-4050	449	2	for	for	ADP
fsr-4050	449	3	financial	financial	ADJ
fsr-4050	449	4	security	security	NOUN
fsr-4050	449	5	.	.	PUNCT
fsr-4050	450	1	chen	chen	PROPN
fsr-4050	450	2	,	,	PUNCT
fsr-4050	450	3	y.	y.	PROPN
fsr-4050	450	4	,	,	PUNCT
fsr-4050	450	5	asebedo	asebedo	PROPN
fsr-4050	450	6	,	,	PUNCT
fsr-4050	450	7	s.	s.	PROPN
fsr-4050	450	8	d.	d.	PROPN
fsr-4050	450	9	,	,	PUNCT
fsr-4050	450	10	&	&	CCONJ
fsr-4050	450	11	ning	ning	PROPN
fsr-4050	450	12	,	,	PUNCT
fsr-4050	450	13	w.	w.	PROPN
fsr-4050	450	14	(	(	PUNCT
fsr-4050	450	15	2024	2024	NUM
fsr-4050	450	16	)	)	PUNCT
fsr-4050	450	17	.	.	PUNCT
fsr-4050	451	1	associations	association	NOUN
fsr-4050	451	2	between	between	ADP
fsr-4050	451	3	fintech	fintech	NOUN
fsr-4050	451	4	use	use	NOUN
fsr-4050	451	5	and	and	CCONJ
fsr-4050	451	6	financial	financial	ADJ
fsr-4050	451	7	knowledge	knowledge	NOUN
fsr-4050	451	8	and	and	CCONJ
fsr-4050	451	9	emergency	emergency	NOUN
fsr-4050	451	10	fund	fund	NOUN
fsr-4050	451	11	savings	saving	NOUN
fsr-4050	451	12	adequacy	adequacy	NOUN
fsr-4050	451	13	:	:	PUNCT
fsr-4050	451	14	expected	expect	VERB
fsr-4050	451	15	and	and	CCONJ
fsr-4050	451	16	unexpected	unexpected	ADJ
fsr-4050	451	17	findings	finding	NOUN
fsr-4050	451	18	.	.	PUNCT
fsr-4050	452	1	journal	journal	NOUN
fsr-4050	452	2	of	of	ADP
fsr-4050	452	3	personal	personal	ADJ
fsr-4050	452	4	finance	finance	NOUN
fsr-4050	452	5	,	,	PUNCT
fsr-4050	452	6	23(2	23(2	NUM
fsr-4050	452	7	)	)	PUNCT
fsr-4050	452	8	.	.	PUNCT
fsr-4050	453	1	44	44	NUM
fsr-4050	453	2	-	-	SYM
fsr-4050	453	3	65	65	NUM
fsr-4050	453	4	cheung	cheung	PROPN
fsr-4050	453	5	,	,	PUNCT
fsr-4050	453	6	s.	s.	PROPN
fsr-4050	453	7	f.	f.	PROPN
fsr-4050	453	8	,	,	PUNCT
fsr-4050	453	9	chan	chan	PROPN
fsr-4050	453	10	,	,	PUNCT
fsr-4050	453	11	d.	d.	PROPN
fsr-4050	453	12	k.	k.	PROPN
fsr-4050	453	13	s.	s.	PROPN
fsr-4050	453	14	,	,	PUNCT
fsr-4050	453	15	&	&	CCONJ
fsr-4050	453	16	wong	wong	PROPN
fsr-4050	453	17	,	,	PUNCT
fsr-4050	453	18	z.	z.	PROPN
fsr-4050	453	19	s.	s.	PROPN
fsr-4050	453	20	y.	y.	PROPN
fsr-4050	453	21	(	(	PUNCT
fsr-4050	453	22	1999	1999	NUM
fsr-4050	453	23	)	)	PUNCT
fsr-4050	453	24	.	.	PUNCT
fsr-4050	454	1	reexamining	reexamine	VERB
fsr-4050	454	2	the	the	DET
fsr-4050	454	3	theory	theory	NOUN
fsr-4050	454	4	of	of	ADP
fsr-4050	454	5	planned	plan	VERB
fsr-4050	454	6	behavior	behavior	NOUN
fsr-4050	454	7	in	in	ADP
fsr-4050	454	8	understanding	understand	VERB
fsr-4050	454	9	wastepaper	wastepaper	NOUN
fsr-4050	454	10	recycling	recycling	NOUN
fsr-4050	454	11	.	.	PUNCT
fsr-4050	455	1	environment	environment	NOUN
fsr-4050	455	2	and	and	CCONJ
fsr-4050	455	3	behavior	behavior	NOUN
fsr-4050	455	4	,	,	PUNCT
fsr-4050	455	5	31(5	31(5	NUM
fsr-4050	455	6	)	)	PUNCT
fsr-4050	455	7	,	,	PUNCT
fsr-4050	455	8	587–612	587–612	NUM
fsr-4050	455	9	.	.	PUNCT
fsr-4050	456	1	https://doi.org/10.1177/00139169921972254	https://doi.org/10.1177/00139169921972254	NOUN
fsr-4050	456	2	chin	chin	PROPN
fsr-4050	456	3	,	,	PUNCT
fsr-4050	456	4	w.	w.	PROPN
fsr-4050	456	5	w.	w.	PROPN
fsr-4050	456	6	(	(	PUNCT
fsr-4050	456	7	1998	1998	NUM
fsr-4050	456	8	)	)	PUNCT
fsr-4050	456	9	.	.	PUNCT
fsr-4050	457	1	commentary	commentary	NOUN
fsr-4050	457	2	:	:	PUNCT
fsr-4050	457	3	issues	issue	NOUN
fsr-4050	457	4	and	and	CCONJ
fsr-4050	457	5	opinion	opinion	NOUN
fsr-4050	457	6	on	on	ADP
fsr-4050	457	7	structural	structural	ADJ
fsr-4050	457	8	equation	equation	NOUN
fsr-4050	457	9	modeling	modeling	NOUN
fsr-4050	457	10	.	.	PUNCT
fsr-4050	458	1	mis	mis	PROPN
fsr-4050	458	2	quarterly	quarterly	PROPN
fsr-4050	458	3	,	,	PUNCT
fsr-4050	458	4	vii	vii	PROPN
fsr-4050	458	5	–	–	PUNCT
fsr-4050	458	6	xvi	xvi	PROPN
fsr-4050	458	7	.	.	PUNCT
fsr-4050	459	1	cole	cole	PROPN
fsr-4050	459	2	,	,	PUNCT
fsr-4050	459	3	h.	h.	PROPN
fsr-4050	459	4	l.	l.	PROPN
fsr-4050	459	5	,	,	PUNCT
fsr-4050	459	6	mailath	mailath	PROPN
fsr-4050	459	7	,	,	PUNCT
fsr-4050	459	8	g.	g.	PROPN
fsr-4050	459	9	j.	j.	PROPN
fsr-4050	459	10	,	,	PUNCT
fsr-4050	459	11	&	&	CCONJ
fsr-4050	459	12	postlewaite	postlewaite	NOUN
fsr-4050	459	13	,	,	PUNCT
fsr-4050	459	14	a.	a.	NOUN
fsr-4050	459	15	(	(	PUNCT
fsr-4050	459	16	1992	1992	NUM
fsr-4050	459	17	)	)	PUNCT
fsr-4050	459	18	.	.	PUNCT
fsr-4050	460	1	social	social	ADJ
fsr-4050	460	2	norms	norm	NOUN
fsr-4050	460	3	,	,	PUNCT
fsr-4050	460	4	savings	saving	NOUN
fsr-4050	460	5	behavior	behavior	NOUN
fsr-4050	460	6	,	,	PUNCT
fsr-4050	460	7	and	and	CCONJ
fsr-4050	460	8	growth	growth	NOUN
fsr-4050	460	9	.	.	PUNCT
fsr-4050	461	1	journal	journal	NOUN
fsr-4050	461	2	of	of	ADP
fsr-4050	461	3	political	political	ADJ
fsr-4050	461	4	economy	economy	NOUN
fsr-4050	461	5	,	,	PUNCT
fsr-4050	461	6	100(6	100(6	NUM
fsr-4050	461	7	)	)	PUNCT
fsr-4050	461	8	,	,	PUNCT
fsr-4050	461	9	1092	1092	NUM
fsr-4050	461	10	–	–	PUNCT
fsr-4050	461	11	1125	1125	NUM
fsr-4050	461	12	.	.	PUNCT
fsr-4050	462	1	conner	conner	PROPN
fsr-4050	462	2	,	,	PUNCT
fsr-4050	462	3	m.	m.	NOUN
fsr-4050	462	4	,	,	PUNCT
fsr-4050	462	5	&	&	CCONJ
fsr-4050	462	6	armitage	armitage	PROPN
fsr-4050	462	7	,	,	PUNCT
fsr-4050	462	8	c.	c.	PROPN
fsr-4050	462	9	j.	j.	PROPN
fsr-4050	462	10	(	(	PUNCT
fsr-4050	462	11	1998	1998	NUM
fsr-4050	462	12	)	)	PUNCT
fsr-4050	462	13	.	.	PUNCT
fsr-4050	463	1	extending	extend	VERB
fsr-4050	463	2	the	the	DET
fsr-4050	463	3	theory	theory	NOUN
fsr-4050	463	4	of	of	ADP
fsr-4050	463	5	planned	planned	ADJ
fsr-4050	463	6	behavior	behavior	NOUN
fsr-4050	463	7	:	:	PUNCT
fsr-4050	463	8	a	a	DET
fsr-4050	463	9	review	review	NOUN
fsr-4050	463	10	and	and	CCONJ
fsr-4050	463	11	avenues	avenue	NOUN
fsr-4050	463	12	for	for	ADP
fsr-4050	463	13	further	further	ADJ
fsr-4050	463	14	research	research	NOUN
fsr-4050	463	15	.	.	PUNCT
fsr-4050	464	1	journal	journal	NOUN
fsr-4050	464	2	of	of	ADP
fsr-4050	464	3	https://doi.org/10.1016/j.paid.2022.111854	https://doi.org/10.1016/j.paid.2022.111854	PROPN
fsr-4050	464	4	https://doi.org/10.1111/joca.12199	https://doi.org/10.1111/joca.12199	NOUN
fsr-4050	464	5	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	PROPN
fsr-4050	464	6	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	PROPN
fsr-4050	464	7	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	PROPN
fsr-4050	464	8	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	PROPN
fsr-4050	464	9	https://doi.org/10.5964/ejop.v16i3.3107	https://doi.org/10.5964/ejop.v16i3.3107	VERB
fsr-4050	464	10	chen	chen	PROPN
fsr-4050	464	11	et	et	PROPN
fsr-4050	464	12	al	al	PROPN
fsr-4050	464	13	.	.	PROPN
fsr-4050	464	14	41	41	NUM
fsr-4050	464	15	applied	apply	VERB
fsr-4050	464	16	social	social	ADJ
fsr-4050	464	17	psychology	psychology	NOUN
fsr-4050	464	18	,	,	PUNCT
fsr-4050	464	19	28(15	28(15	NUM
fsr-4050	464	20	)	)	PUNCT
fsr-4050	464	21	,	,	PUNCT
fsr-4050	464	22	1429	1429	NUM
fsr-4050	464	23	–	–	PUNCT
fsr-4050	464	24	1464	1464	NUM
fsr-4050	464	25	.	.	PUNCT
fsr-4050	465	1	https://doi.org/10.1111/j.15591816.1998.tb01685.x	https://doi.org/10.1111/j.15591816.1998.tb01685.x	PROPN
fsr-4050	465	2	conner	conner	PROPN
fsr-4050	465	3	,	,	PUNCT
fsr-4050	465	4	m.	m.	NOUN
fsr-4050	465	5	,	,	PUNCT
fsr-4050	465	6	&	&	CCONJ
fsr-4050	465	7	sparks	spark	VERB
fsr-4050	465	8	,	,	PUNCT
fsr-4050	465	9	p.	p.	NOUN
fsr-4050	465	10	(	(	PUNCT
fsr-4050	465	11	2005	2005	NUM
fsr-4050	465	12	)	)	PUNCT
fsr-4050	465	13	.	.	PUNCT
fsr-4050	466	1	theory	theory	NOUN
fsr-4050	466	2	of	of	ADP
fsr-4050	466	3	planned	plan	VERB
fsr-4050	466	4	behaviour	behaviour	NOUN
fsr-4050	466	5	and	and	CCONJ
fsr-4050	466	6	health	health	NOUN
fsr-4050	466	7	behaviour	behaviour	NOUN
fsr-4050	466	8	.	.	PUNCT
fsr-4050	467	1	in	in	ADP
fsr-4050	467	2	m.	m.	PROPN
fsr-4050	467	3	conner	conner	PROPN
fsr-4050	467	4	&	&	CCONJ
fsr-4050	467	5	p.	p.	PROPN
fsr-4050	467	6	norman	norman	PROPN
fsr-4050	467	7	(	(	PUNCT
fsr-4050	467	8	eds	eds	PROPN
fsr-4050	467	9	.	.	PUNCT
fsr-4050	467	10	)	)	PUNCT
fsr-4050	467	11	,	,	PUNCT
fsr-4050	467	12	predicting	predict	VERB
fsr-4050	467	13	health	health	NOUN
fsr-4050	467	14	behaviour	behaviour	NOUN
fsr-4050	467	15	(	(	PUNCT
fsr-4050	467	16	2nd	2nd	ADJ
fsr-4050	467	17	ed	ed	NOUN
fsr-4050	467	18	.	.	PROPN
fsr-4050	467	19	,	,	PUNCT
fsr-4050	467	20	pp	pp	ADJ
fsr-4050	467	21	.	.	PUNCT
fsr-4050	468	1	121–162	121–162	NUM
fsr-4050	468	2	)	)	PUNCT
fsr-4050	468	3	.	.	PUNCT
fsr-4050	469	1	open	open	ADJ
fsr-4050	469	2	university	university	NOUN
fsr-4050	469	3	press	press	NOUN
fsr-4050	469	4	.	.	PUNCT
fsr-4050	470	1	daqar	daqar	PROPN
fsr-4050	470	2	,	,	PUNCT
fsr-4050	470	3	m.	m.	NOUN
fsr-4050	470	4	a.	a.	PROPN
fsr-4050	470	5	m.	m.	PROPN
fsr-4050	470	6	a.	a.	PROPN
fsr-4050	470	7	,	,	PUNCT
fsr-4050	470	8	arqawi	arqawi	PROPN
fsr-4050	470	9	,	,	PUNCT
fsr-4050	470	10	s.	s.	PROPN
fsr-4050	470	11	,	,	PUNCT
fsr-4050	470	12	&	&	CCONJ
fsr-4050	470	13	karsh	karsh	PROPN
fsr-4050	470	14	,	,	PUNCT
fsr-4050	470	15	s.	s.	PROPN
fsr-4050	470	16	a.	a.	PROPN
fsr-4050	470	17	(	(	PUNCT
fsr-4050	470	18	2020	2020	NUM
fsr-4050	470	19	)	)	PUNCT
fsr-4050	470	20	.	.	PUNCT
fsr-4050	471	1	fintech	fintech	NOUN
fsr-4050	471	2	in	in	ADP
fsr-4050	471	3	the	the	DET
fsr-4050	471	4	eyes	eye	NOUN
fsr-4050	471	5	of	of	ADP
fsr-4050	471	6	millennials	millennial	NOUN
fsr-4050	471	7	and	and	CCONJ
fsr-4050	471	8	generation	generation	NOUN
fsr-4050	471	9	z	z	NOUN
fsr-4050	471	10	(	(	PUNCT
fsr-4050	471	11	the	the	DET
fsr-4050	471	12	financial	financial	ADJ
fsr-4050	471	13	behavior	behavior	NOUN
fsr-4050	471	14	and	and	CCONJ
fsr-4050	471	15	fintech	fintech	NOUN
fsr-4050	471	16	perception	perception	NOUN
fsr-4050	471	17	)	)	PUNCT
fsr-4050	471	18	.	.	PUNCT
fsr-4050	472	1	banks	bank	NOUN
fsr-4050	472	2	and	and	CCONJ
fsr-4050	472	3	bank	bank	NOUN
fsr-4050	472	4	systems	system	NOUN
fsr-4050	472	5	,	,	PUNCT
fsr-4050	472	6	15(3	15(3	NUM
fsr-4050	472	7	)	)	PUNCT
fsr-4050	472	8	,	,	PUNCT
fsr-4050	472	9	20	20	NUM
fsr-4050	472	10	-	-	SYM
fsr-4050	472	11	28	28	NUM
fsr-4050	472	12	.	.	PUNCT
fsr-4050	473	1	http://dx.doi.org/10.21511/bbs.15(3).2020.0	http://dx.doi.org/10.21511/bbs.15(3).2020.0	PROPN
fsr-4050	473	2	3	3	NUM
fsr-4050	473	3	davis	davis	PROPN
fsr-4050	473	4	,	,	PUNCT
fsr-4050	473	5	f.	f.	PROPN
fsr-4050	473	6	d.	d.	PROPN
fsr-4050	473	7	(	(	PUNCT
fsr-4050	473	8	1989	1989	NUM
fsr-4050	473	9	)	)	PUNCT
fsr-4050	473	10	.	.	PUNCT
fsr-4050	474	1	perceived	perceive	VERB
fsr-4050	474	2	usefulness	usefulness	NOUN
fsr-4050	474	3	,	,	PUNCT
fsr-4050	474	4	perceived	perceive	VERB
fsr-4050	474	5	ease	ease	NOUN
fsr-4050	474	6	of	of	ADP
fsr-4050	474	7	use	use	NOUN
fsr-4050	474	8	,	,	PUNCT
fsr-4050	474	9	and	and	CCONJ
fsr-4050	474	10	user	user	NOUN
fsr-4050	474	11	acceptance	acceptance	NOUN
fsr-4050	474	12	of	of	ADP
fsr-4050	474	13	information	information	NOUN
fsr-4050	474	14	technology	technology	NOUN
fsr-4050	474	15	.	.	PUNCT
fsr-4050	475	1	mis	mis	PROPN
fsr-4050	475	2	quarterly	quarterly	PROPN
fsr-4050	475	3	,	,	PUNCT
fsr-4050	475	4	13(3	13(3	NUM
fsr-4050	475	5	)	)	PUNCT
fsr-4050	475	6	,	,	PUNCT
fsr-4050	475	7	319–340	319–340	NUM
fsr-4050	475	8	.	.	PUNCT
fsr-4050	476	1	https://doi.org/10.2307/249008	https://doi.org/10.2307/249008	NOUN
fsr-4050	476	2	davis	davis	PROPN
fsr-4050	476	3	,	,	PUNCT
fsr-4050	476	4	f.	f.	PROPN
fsr-4050	476	5	d.	d.	PROPN
fsr-4050	476	6	,	,	PUNCT
fsr-4050	476	7	bagozzi	bagozzi	PROPN
fsr-4050	476	8	,	,	PUNCT
fsr-4050	476	9	r.	r.	PROPN
fsr-4050	476	10	p.	p.	PROPN
fsr-4050	476	11	,	,	PUNCT
fsr-4050	476	12	&	&	CCONJ
fsr-4050	476	13	warshaw	warshaw	PROPN
fsr-4050	476	14	,	,	PUNCT
fsr-4050	476	15	p.	p.	PROPN
fsr-4050	476	16	r.	r.	PROPN
fsr-4050	476	17	(	(	PUNCT
fsr-4050	476	18	1989	1989	NUM
fsr-4050	476	19	)	)	PUNCT
fsr-4050	476	20	.	.	PUNCT
fsr-4050	477	1	user	user	NOUN
fsr-4050	477	2	acceptance	acceptance	NOUN
fsr-4050	477	3	of	of	ADP
fsr-4050	477	4	computer	computer	NOUN
fsr-4050	477	5	technology	technology	NOUN
fsr-4050	477	6	:	:	PUNCT
fsr-4050	477	7	a	a	DET
fsr-4050	477	8	comparison	comparison	NOUN
fsr-4050	477	9	of	of	ADP
fsr-4050	477	10	two	two	NUM
fsr-4050	477	11	theoretical	theoretical	ADJ
fsr-4050	477	12	models	model	NOUN
fsr-4050	477	13	.	.	PUNCT
fsr-4050	478	1	management	management	NOUN
fsr-4050	478	2	science	science	NOUN
fsr-4050	478	3	,	,	PUNCT
fsr-4050	478	4	35(8	35(8	NUM
fsr-4050	478	5	)	)	PUNCT
fsr-4050	478	6	,	,	PUNCT
fsr-4050	478	7	982	982	NUM
fsr-4050	478	8	-	-	SYM
fsr-4050	478	9	1003	1003	NUM
fsr-4050	478	10	.	.	PUNCT
fsr-4050	479	1	https://doi.org/10.1287/mnsc.35.8.982	https://doi.org/10.1287/mnsc.35.8.982	PROPN
fsr-4050	479	2	demirgüç	demirgüç	PROPN
fsr-4050	479	3	-	-	PUNCT
fsr-4050	479	4	kunt	kunt	PROPN
fsr-4050	479	5	,	,	PUNCT
fsr-4050	479	6	a.	a.	PROPN
fsr-4050	479	7	,	,	PUNCT
fsr-4050	479	8	klapper	klapper	PROPN
fsr-4050	479	9	,	,	PUNCT
fsr-4050	479	10	l.	l.	PROPN
fsr-4050	479	11	,	,	PUNCT
fsr-4050	479	12	singer	singer	NOUN
fsr-4050	479	13	,	,	PUNCT
fsr-4050	479	14	d.	d.	PROPN
fsr-4050	479	15	,	,	PUNCT
fsr-4050	479	16	ansar	ansar	PROPN
fsr-4050	479	17	,	,	PUNCT
fsr-4050	479	18	s.	s.	PROPN
fsr-4050	479	19	,	,	PUNCT
fsr-4050	479	20	&	&	CCONJ
fsr-4050	479	21	hess	hess	PROPN
fsr-4050	479	22	,	,	PUNCT
fsr-4050	479	23	j.	j.	PROPN
fsr-4050	479	24	(	(	PUNCT
fsr-4050	479	25	2018	2018	NUM
fsr-4050	479	26	)	)	PUNCT
fsr-4050	479	27	.	.	PUNCT
fsr-4050	480	1	the	the	DET
fsr-4050	480	2	global	global	ADJ
fsr-4050	480	3	findex	findex	PROPN
fsr-4050	480	4	database	database	PROPN
fsr-4050	480	5	2017	2017	NUM
fsr-4050	480	6	:	:	PUNCT
fsr-4050	480	7	measuring	measure	VERB
fsr-4050	480	8	financial	financial	ADJ
fsr-4050	480	9	inclusion	inclusion	NOUN
fsr-4050	480	10	and	and	CCONJ
fsr-4050	480	11	the	the	DET
fsr-4050	480	12	fintech	fintech	NOUN
fsr-4050	480	13	revolution	revolution	NOUN
fsr-4050	480	14	.	.	PUNCT
fsr-4050	481	1	world	world	PROPN
fsr-4050	481	2	bank	bank	PROPN
fsr-4050	481	3	publications	publication	NOUN
fsr-4050	481	4	demirgüç	demirgüç	PROPN
fsr-4050	481	5	-	-	PUNCT
fsr-4050	481	6	kunt	kunt	PROPN
fsr-4050	481	7	,	,	PUNCT
fsr-4050	481	8	a.	a.	PROPN
fsr-4050	481	9	,	,	PUNCT
fsr-4050	481	10	klapper	klapper	PROPN
fsr-4050	481	11	,	,	PUNCT
fsr-4050	481	12	l.	l.	PROPN
fsr-4050	481	13	,	,	PUNCT
fsr-4050	481	14	singer	singer	NOUN
fsr-4050	481	15	,	,	PUNCT
fsr-4050	481	16	d.	d.	PROPN
fsr-4050	481	17	,	,	PUNCT
fsr-4050	481	18	&	&	CCONJ
fsr-4050	481	19	ansar	ansar	PROPN
fsr-4050	481	20	,	,	PUNCT
fsr-4050	481	21	s.	s.	PROPN
fsr-4050	481	22	(	(	PUNCT
fsr-4050	481	23	2022	2022	NUM
fsr-4050	481	24	)	)	PUNCT
fsr-4050	481	25	.	.	PUNCT
fsr-4050	482	1	the	the	DET
fsr-4050	482	2	global	global	ADJ
fsr-4050	482	3	findex	findex	PROPN
fsr-4050	482	4	database	database	NOUN
fsr-4050	482	5	2021	2021	NUM
fsr-4050	482	6	:	:	PUNCT
fsr-4050	482	7	financial	financial	ADJ
fsr-4050	482	8	inclusion	inclusion	NOUN
fsr-4050	482	9	,	,	PUNCT
fsr-4050	482	10	digital	digital	ADJ
fsr-4050	482	11	payments	payment	NOUN
fsr-4050	482	12	,	,	PUNCT
fsr-4050	482	13	and	and	CCONJ
fsr-4050	482	14	resilience	resilience	NOUN
fsr-4050	482	15	in	in	ADP
fsr-4050	482	16	the	the	DET
fsr-4050	482	17	age	age	NOUN
fsr-4050	482	18	of	of	ADP
fsr-4050	482	19	covid-19	covid-19	PROPN
fsr-4050	482	20	.	.	PUNCT
fsr-4050	482	21	world	world	PROPN
fsr-4050	482	22	bank	bank	PROPN
fsr-4050	482	23	publications	publication	NOUN
fsr-4050	482	24	.	.	PUNCT
fsr-4050	483	1	despard	despard	ADJ
fsr-4050	483	2	,	,	PUNCT
fsr-4050	483	3	m.	m.	PROPN
fsr-4050	483	4	r.	r.	PROPN
fsr-4050	483	5	,	,	PUNCT
fsr-4050	483	6	friedline	friedline	PROPN
fsr-4050	483	7	,	,	PUNCT
fsr-4050	483	8	t.	t.	PROPN
fsr-4050	483	9	,	,	PUNCT
fsr-4050	483	10	&	&	CCONJ
fsr-4050	483	11	martin	martin	PROPN
fsr-4050	483	12	-	-	PUNCT
fsr-4050	483	13	west	west	PROPN
fsr-4050	483	14	,	,	PUNCT
fsr-4050	483	15	s.	s.	PROPN
fsr-4050	483	16	(	(	PUNCT
fsr-4050	483	17	2020	2020	NUM
fsr-4050	483	18	)	)	PUNCT
fsr-4050	483	19	.	.	PUNCT
fsr-4050	484	1	why	why	SCONJ
fsr-4050	484	2	do	do	AUX
fsr-4050	484	3	households	household	NOUN
fsr-4050	484	4	lack	lack	VERB
fsr-4050	484	5	emergency	emergency	NOUN
fsr-4050	484	6	savings	saving	NOUN
fsr-4050	484	7	?	?	PUNCT
fsr-4050	485	1	the	the	DET
fsr-4050	485	2	role	role	NOUN
fsr-4050	485	3	of	of	ADP
fsr-4050	485	4	financial	financial	ADJ
fsr-4050	485	5	capability	capability	NOUN
fsr-4050	485	6	.	.	PUNCT
fsr-4050	486	1	journal	journal	NOUN
fsr-4050	486	2	of	of	ADP
fsr-4050	486	3	family	family	NOUN
fsr-4050	486	4	and	and	CCONJ
fsr-4050	486	5	economic	economic	ADJ
fsr-4050	486	6	issues	issue	NOUN
fsr-4050	486	7	,	,	PUNCT
fsr-4050	486	8	41	41	NUM
fsr-4050	486	9	,	,	PUNCT
fsr-4050	486	10	542	542	NUM
fsr-4050	486	11	-	-	SYM
fsr-4050	486	12	557	557	NUM
fsr-4050	486	13	.	.	PUNCT
fsr-4050	487	1	https://doi.org/10.1007/s10834020-09679-8	https://doi.org/10.1007/s10834020-09679-8	NOUN
fsr-4050	487	2	despard	despard	ADJ
fsr-4050	487	3	,	,	PUNCT
fsr-4050	487	4	m.	m.	NOUN
fsr-4050	487	5	,	,	PUNCT
fsr-4050	487	6	&	&	CCONJ
fsr-4050	487	7	roll	roll	PROPN
fsr-4050	487	8	,	,	PUNCT
fsr-4050	487	9	s.	s.	PROPN
fsr-4050	487	10	(	(	PUNCT
fsr-4050	487	11	2024	2024	NUM
fsr-4050	487	12	)	)	PUNCT
fsr-4050	487	13	.	.	PUNCT
fsr-4050	488	1	job	job	NOUN
fsr-4050	488	2	loss	loss	NOUN
fsr-4050	488	3	and	and	CCONJ
fsr-4050	488	4	financial	financial	ADJ
fsr-4050	488	5	distress	distress	NOUN
fsr-4050	488	6	during	during	ADP
fsr-4050	488	7	covid-19	covid-19	PROPN
fsr-4050	488	8	:	:	PUNCT
fsr-4050	488	9	the	the	DET
fsr-4050	488	10	protective	protective	ADJ
fsr-4050	488	11	role	role	NOUN
fsr-4050	488	12	of	of	ADP
fsr-4050	488	13	emergency	emergency	NOUN
fsr-4050	488	14	savings	saving	NOUN
fsr-4050	488	15	.	.	PUNCT
fsr-4050	489	1	journal	journal	PROPN
fsr-4050	489	2	of	of	ADP
fsr-4050	489	3	financial	financial	ADJ
fsr-4050	489	4	counseling	counseling	NOUN
fsr-4050	489	5	and	and	CCONJ
fsr-4050	489	6	planning	planning	NOUN
fsr-4050	489	7	,	,	PUNCT
fsr-4050	489	8	35(2	35(2	NUM
fsr-4050	489	9	)	)	PUNCT
fsr-4050	489	10	,	,	PUNCT
fsr-4050	489	11	157	157	NUM
fsr-4050	489	12	-	-	SYM
fsr-4050	489	13	172	172	NUM
fsr-4050	489	14	.	.	PUNCT
fsr-4050	489	15	http://dx.doi.org/10.1891/jfcp2022-0048	http://dx.doi.org/10.1891/jfcp2022-0048	PUNCT
fsr-4050	490	1	devaney	devaney	PROPN
fsr-4050	490	2	,	,	PUNCT
fsr-4050	490	3	s.	s.	PROPN
fsr-4050	490	4	a.	a.	PROPN
fsr-4050	490	5	,	,	PUNCT
fsr-4050	490	6	anong	anong	PROPN
fsr-4050	490	7	,	,	PUNCT
fsr-4050	490	8	s.	s.	PROPN
fsr-4050	490	9	t.	t.	PROPN
fsr-4050	490	10	,	,	PUNCT
fsr-4050	490	11	&	&	CCONJ
fsr-4050	490	12	whirl	whirl	NOUN
fsr-4050	490	13	,	,	PUNCT
fsr-4050	490	14	s.	s.	PROPN
fsr-4050	490	15	e.	e.	PROPN
fsr-4050	490	16	(	(	PUNCT
fsr-4050	490	17	2007	2007	NUM
fsr-4050	490	18	)	)	PUNCT
fsr-4050	490	19	.	.	PUNCT
fsr-4050	491	1	household	household	NOUN
fsr-4050	491	2	savings	saving	NOUN
fsr-4050	491	3	motives	motive	NOUN
fsr-4050	491	4	.	.	PUNCT
fsr-4050	492	1	journal	journal	NOUN
fsr-4050	492	2	of	of	ADP
fsr-4050	492	3	consumer	consumer	NOUN
fsr-4050	492	4	affairs	affair	NOUN
fsr-4050	492	5	,	,	PUNCT
fsr-4050	492	6	41(1	41(1	NUM
fsr-4050	492	7	)	)	PUNCT
fsr-4050	492	8	,	,	PUNCT
fsr-4050	492	9	174	174	NUM
fsr-4050	492	10	-	-	SYM
fsr-4050	492	11	186	186	NUM
fsr-4050	492	12	.	.	PUNCT
fsr-4050	493	1	https://doi.org/10.1111/j.17456606.2006.00073.x	https://doi.org/10.1111/j.17456606.2006.00073.x	X
fsr-4050	493	2	duflo	duflo	NOUN
fsr-4050	493	3	,	,	PUNCT
fsr-4050	493	4	e.	e.	PROPN
fsr-4050	493	5	,	,	PUNCT
fsr-4050	493	6	&	&	CCONJ
fsr-4050	493	7	saez	saez	PROPN
fsr-4050	493	8	,	,	PUNCT
fsr-4050	493	9	e.	e.	PROPN
fsr-4050	493	10	(	(	PUNCT
fsr-4050	493	11	2003	2003	NUM
fsr-4050	493	12	)	)	PUNCT
fsr-4050	493	13	.	.	PUNCT
fsr-4050	494	1	the	the	DET
fsr-4050	494	2	role	role	NOUN
fsr-4050	494	3	of	of	ADP
fsr-4050	494	4	information	information	NOUN
fsr-4050	494	5	and	and	CCONJ
fsr-4050	494	6	social	social	ADJ
fsr-4050	494	7	interactions	interaction	NOUN
fsr-4050	494	8	in	in	ADP
fsr-4050	494	9	retirement	retirement	NOUN
fsr-4050	494	10	plan	plan	NOUN
fsr-4050	494	11	decisions	decision	NOUN
fsr-4050	494	12	:	:	PUNCT
fsr-4050	494	13	evidence	evidence	NOUN
fsr-4050	494	14	from	from	ADP
fsr-4050	494	15	a	a	DET
fsr-4050	494	16	randomized	randomized	ADJ
fsr-4050	494	17	experiment	experiment	NOUN
fsr-4050	494	18	.	.	PUNCT
fsr-4050	495	1	the	the	DET
fsr-4050	495	2	quarterly	quarterly	ADJ
fsr-4050	495	3	journal	journal	NOUN
fsr-4050	495	4	of	of	ADP
fsr-4050	495	5	economics	economic	NOUN
fsr-4050	495	6	,	,	PUNCT
fsr-4050	495	7	118(3	118(3	NUM
fsr-4050	495	8	)	)	PUNCT
fsr-4050	495	9	,	,	PUNCT
fsr-4050	495	10	815	815	NUM
fsr-4050	495	11	-	-	SYM
fsr-4050	495	12	842	842	NUM
fsr-4050	495	13	.	.	PUNCT
fsr-4050	495	14	https://doi.org/10.1162/00335530360698432	https://doi.org/10.1162/00335530360698432	PUNCT
fsr-4050	496	1	fan	fan	PROPN
fsr-4050	496	2	,	,	PUNCT
fsr-4050	496	3	l.	l.	PROPN
fsr-4050	496	4	,	,	PUNCT
fsr-4050	496	5	&	&	CCONJ
fsr-4050	496	6	zhang	zhang	PROPN
fsr-4050	496	7	,	,	PUNCT
fsr-4050	496	8	l.	l.	PROPN
fsr-4050	496	9	(	(	PUNCT
fsr-4050	496	10	2021	2021	NUM
fsr-4050	496	11	)	)	PUNCT
fsr-4050	496	12	.	.	PUNCT
fsr-4050	497	1	the	the	DET
fsr-4050	497	2	influence	influence	NOUN
fsr-4050	497	3	of	of	ADP
fsr-4050	497	4	financial	financial	ADJ
fsr-4050	497	5	education	education	NOUN
fsr-4050	497	6	sources	source	NOUN
fsr-4050	497	7	on	on	ADP
fsr-4050	497	8	emergency	emergency	NOUN
fsr-4050	497	9	savings	saving	NOUN
fsr-4050	497	10	:	:	PUNCT
fsr-4050	497	11	the	the	DET
fsr-4050	497	12	role	role	NOUN
fsr-4050	497	13	of	of	ADP
fsr-4050	497	14	financial	financial	ADJ
fsr-4050	497	15	literacy	literacy	NOUN
fsr-4050	497	16	.	.	PUNCT
fsr-4050	498	1	family	family	NOUN
fsr-4050	498	2	and	and	CCONJ
fsr-4050	498	3	consumer	consumer	NOUN
fsr-4050	498	4	sciences	sciences	PROPN
fsr-4050	498	5	research	research	NOUN
fsr-4050	498	6	journal	journal	PROPN
fsr-4050	498	7	,	,	PUNCT
fsr-4050	498	8	49(4	49(4	NOUN
fsr-4050	498	9	)	)	PUNCT
fsr-4050	498	10	,	,	PUNCT
fsr-4050	498	11	344	344	NUM
fsr-4050	498	12	-	-	SYM
fsr-4050	498	13	361	361	NUM
fsr-4050	498	14	.	.	PUNCT
fsr-4050	499	1	https://doi.org/10.1111/fcsr.12400	https://doi.org/10.1111/fcsr.12400	PROPN
fsr-4050	499	2	federal	federal	ADJ
fsr-4050	499	3	deposit	deposit	NOUN
fsr-4050	499	4	insurance	insurance	NOUN
fsr-4050	499	5	corporation	corporation	NOUN
fsr-4050	500	1	[	[	X
fsr-4050	500	2	fdic	fdic	X
fsr-4050	500	3	]	]	X
fsr-4050	500	4	(	(	PUNCT
fsr-4050	500	5	2023	2023	NUM
fsr-4050	500	6	)	)	PUNCT
fsr-4050	500	7	.	.	PUNCT
fsr-4050	501	1	fdic	fdic	PROPN
fsr-4050	501	2	survey	survey	PROPN
fsr-4050	501	3	finds	find	VERB
fsr-4050	501	4	96	96	NUM
fsr-4050	501	5	percent	percent	NOUN
fsr-4050	501	6	of	of	ADP
fsr-4050	501	7	u.s	u.s	PROPN
fsr-4050	501	8	.	.	PROPN
fsr-4050	501	9	households	household	NOUN
fsr-4050	501	10	were	be	AUX
fsr-4050	501	11	banked	bank	VERB
fsr-4050	501	12	in	in	ADP
fsr-4050	501	13	2023	2023	NUM
fsr-4050	501	14	.	.	PUNCT
fsr-4050	502	1	https://www.fdic.gov/news/pressreleases/2024/fdic-survey-finds-96-percentus-households-were-banked-2023	https://www.fdic.gov/news/pressreleases/2024/fdic-survey-finds-96-percentus-households-were-banked-2023	PROPN
fsr-4050	502	2	feyen	feyen	NOUN
fsr-4050	502	3	,	,	PUNCT
fsr-4050	502	4	e.	e.	PROPN
fsr-4050	502	5	,	,	PUNCT
fsr-4050	502	6	natarajan	natarajan	PROPN
fsr-4050	502	7	,	,	PUNCT
fsr-4050	502	8	h.	h.	PROPN
fsr-4050	502	9	,	,	PUNCT
fsr-4050	502	10	&	&	CCONJ
fsr-4050	502	11	saal	saal	PROPN
fsr-4050	502	12	,	,	PUNCT
fsr-4050	502	13	m.	m.	NOUN
fsr-4050	502	14	(	(	PUNCT
fsr-4050	502	15	2023	2023	NUM
fsr-4050	502	16	)	)	PUNCT
fsr-4050	502	17	.	.	PUNCT
fsr-4050	503	1	fintech	fintech	NOUN
fsr-4050	503	2	and	and	CCONJ
fsr-4050	503	3	the	the	DET
fsr-4050	503	4	future	future	NOUN
fsr-4050	503	5	of	of	ADP
fsr-4050	503	6	finance	finance	NOUN
fsr-4050	503	7	:	:	PUNCT
fsr-4050	503	8	market	market	NOUN
fsr-4050	503	9	and	and	CCONJ
fsr-4050	503	10	policy	policy	NOUN
fsr-4050	503	11	implications	implication	NOUN
fsr-4050	503	12	.	.	PUNCT
fsr-4050	504	1	world	world	PROPN
fsr-4050	504	2	bank	bank	PROPN
fsr-4050	504	3	group	group	NOUN
fsr-4050	504	4	.	.	PUNCT
fsr-4050	505	1	http://documents.worldbank.org/curated/en/	http://documents.worldbank.org/curated/en/	NOUN
fsr-4050	505	2	099450005162250110	099450005162250110	NUM
fsr-4050	505	3	/	/	SYM
fsr-4050	505	4	p17300600228b7007	p17300600228b7007	ADJ
fsr-4050	505	5	0914b0b5edf26e2f9f	0914b0b5edf26e2f9f	NUM
fsr-4050	505	6	finra	finra	NOUN
fsr-4050	505	7	(	(	PUNCT
fsr-4050	505	8	2021	2021	NUM
fsr-4050	505	9	)	)	PUNCT
fsr-4050	505	10	.	.	PUNCT
fsr-4050	506	1	national	national	ADJ
fsr-4050	506	2	financial	financial	ADJ
fsr-4050	506	3	capability	capability	NOUN
fsr-4050	506	4	study	study	NOUN
fsr-4050	506	5	state	state	NOUN
fsr-4050	506	6	-	-	PUNCT
fsr-4050	506	7	by	by	ADP
fsr-4050	506	8	-	-	PUNCT
fsr-4050	506	9	state	state	NOUN
fsr-4050	506	10	survey	survey	NOUN
fsr-4050	506	11	instrument	instrument	NOUN
fsr-4050	506	12	.	.	PUNCT
fsr-4050	507	1	https://finrafoundation.org/sites/finrafoundat	https://finrafoundation.org/sites/finrafoundat	PROPN
fsr-4050	507	2	ion	ion	NOUN
fsr-4050	507	3	/	/	SYM
fsr-4050	507	4	files	file	NOUN
fsr-4050	507	5	/	/	SYM
fsr-4050	507	6	nfcs-2021	nfcs-2021	ADJ
fsr-4050	507	7	-	-	PUNCT
fsr-4050	507	8	state	state	NOUN
fsr-4050	507	9	-	-	PUNCT
fsr-4050	507	10	by	by	ADP
fsr-4050	507	11	-	-	PUNCT
fsr-4050	507	12	statequestionnaire.pdf	statequestionnaire.pdf	PROPN
fsr-4050	507	13	finra	finra	PROPN
fsr-4050	507	14	(	(	PUNCT
fsr-4050	507	15	2022	2022	NUM
fsr-4050	507	16	)	)	PUNCT
fsr-4050	507	17	.	.	PUNCT
fsr-4050	508	1	financial	financial	ADJ
fsr-4050	508	2	capability	capability	NOUN
fsr-4050	508	3	in	in	ADP
fsr-4050	508	4	the	the	DET
fsr-4050	508	5	united	united	PROPN
fsr-4050	508	6	states	states	PROPN
fsr-4050	508	7	:	:	PUNCT
fsr-4050	508	8	highlight	highlight	VERB
fsr-4050	508	9	from	from	ADP
fsr-4050	508	10	the	the	DET
fsr-4050	508	11	finra	finra	PROPN
fsr-4050	508	12	foundation	foundation	PROPN
fsr-4050	508	13	national	national	PROPN
fsr-4050	508	14	financial	financial	ADJ
fsr-4050	508	15	capability	capability	NOUN
fsr-4050	508	16	study	study	NOUN
fsr-4050	508	17	.	.	PUNCT
fsr-4050	509	1	https://finrafoundation.org/sites/finrafoundat	https://finrafoundation.org/sites/finrafoundat	PROPN
fsr-4050	509	2	ion	ion	NOUN
fsr-4050	509	3	/	/	SYM
fsr-4050	509	4	files	file	NOUN
fsr-4050	509	5	/	/	SYM
fsr-4050	509	6	nfcs	nfc	NOUN
fsr-4050	509	7	-	-	PUNCT
fsr-4050	509	8	report	report	NOUN
fsr-4050	509	9	-	-	PUNCT
fsr-4050	509	10	fifth	fifth	ADJ
fsr-4050	509	11	-	-	PUNCT
fsr-4050	509	12	edition	edition	NOUN
fsr-4050	509	13	-	-	PUNCT
fsr-4050	509	14	july2022.pdf	july2022.pdf	NOUN
fsr-4050	509	15	gargano	gargano	PROPN
fsr-4050	509	16	,	,	PUNCT
fsr-4050	509	17	a.	a.	PROPN
fsr-4050	509	18	,	,	PUNCT
fsr-4050	509	19	&	&	CCONJ
fsr-4050	509	20	rossi	rossi	PROPN
fsr-4050	509	21	,	,	PUNCT
fsr-4050	509	22	a.	a.	PROPN
fsr-4050	509	23	g.	g.	PROPN
fsr-4050	509	24	(	(	PUNCT
fsr-4050	509	25	2024	2024	NUM
fsr-4050	509	26	)	)	PUNCT
fsr-4050	509	27	.	.	PUNCT
fsr-4050	510	1	goal	goal	NOUN
fsr-4050	510	2	setting	set	VERB
fsr-4050	510	3	and	and	CCONJ
fsr-4050	510	4	saving	save	VERB
fsr-4050	510	5	in	in	ADP
fsr-4050	510	6	the	the	DET
fsr-4050	510	7	fintech	fintech	NOUN
fsr-4050	510	8	era	era	NOUN
fsr-4050	510	9	.	.	PUNCT
fsr-4050	511	1	the	the	DET
fsr-4050	511	2	journal	journal	PROPN
fsr-4050	511	3	of	of	ADP
fsr-4050	511	4	finance	finance	NOUN
fsr-4050	511	5	,	,	PUNCT
fsr-4050	511	6	79(3	79(3	NUM
fsr-4050	511	7	)	)	PUNCT
fsr-4050	511	8	,	,	PUNCT
fsr-4050	511	9	1931	1931	NUM
fsr-4050	511	10	-	-	SYM
fsr-4050	511	11	1976	1976	NUM
fsr-4050	511	12	.	.	PUNCT
fsr-4050	512	1	https://doi.org/10.1111/jofi.13339	https://doi.org/10.1111/jofi.13339	PROPN
fsr-4050	512	2	george	george	PROPN
fsr-4050	512	3	,	,	PUNCT
fsr-4050	512	4	j.	j.	PROPN
fsr-4050	512	5	f.	f.	PROPN
fsr-4050	512	6	(	(	PUNCT
fsr-4050	512	7	2004	2004	NUM
fsr-4050	512	8	)	)	PUNCT
fsr-4050	512	9	.	.	PUNCT
fsr-4050	513	1	the	the	DET
fsr-4050	513	2	theory	theory	NOUN
fsr-4050	513	3	of	of	ADP
fsr-4050	513	4	planned	plan	VERB
fsr-4050	513	5	behavior	behavior	NOUN
fsr-4050	513	6	and	and	CCONJ
fsr-4050	513	7	internet	internet	NOUN
fsr-4050	513	8	purchasing	purchasing	NOUN
fsr-4050	513	9	.	.	PUNCT
fsr-4050	514	1	internet	internet	NOUN
fsr-4050	514	2	research	research	NOUN
fsr-4050	514	3	,	,	PUNCT
fsr-4050	514	4	http://dx.doi.org/10.21511/bbs.15(3).2020.03	http://dx.doi.org/10.21511/bbs.15(3).2020.03	X
fsr-4050	514	5	http://dx.doi.org/10.21511/bbs.15(3).2020.03	http://dx.doi.org/10.21511/bbs.15(3).2020.03	X
fsr-4050	514	6	https://doi.org/10.2307/249008	https://doi.org/10.2307/249008	PROPN
fsr-4050	514	7	https://www.fdic.gov/news/press-releases/2024/fdic-survey-finds-96-percent-us-households-were-banked-2023	https://www.fdic.gov/news/press-releases/2024/fdic-survey-finds-96-percent-us-households-were-banked-2023	NOUN
fsr-4050	514	8	https://www.fdic.gov/news/press-releases/2024/fdic-survey-finds-96-percent-us-households-were-banked-2023	https://www.fdic.gov/news/press-releases/2024/fdic-survey-finds-96-percent-us-households-were-banked-2023	NOUN
fsr-4050	514	9	https://www.fdic.gov/news/press-releases/2024/fdic-survey-finds-96-percent-us-households-were-banked-2023	https://www.fdic.gov/news/press-releases/2024/fdic-survey-finds-96-percent-us-households-were-banked-2023	NOUN
fsr-4050	514	10	http://documents.worldbank.org/curated/en/099450005162250110/p17300600228b70070914b0b5edf26e2f9f	http://documents.worldbank.org/curated/en/099450005162250110/p17300600228b70070914b0b5edf26e2f9f	PROPN
fsr-4050	514	11	http://documents.worldbank.org/curated/en/099450005162250110/p17300600228b70070914b0b5edf26e2f9f	http://documents.worldbank.org/curated/en/099450005162250110/p17300600228b70070914b0b5edf26e2f9f	PROPN
fsr-4050	514	12	http://documents.worldbank.org/curated/en/099450005162250110/p17300600228b70070914b0b5edf26e2f9f	http://documents.worldbank.org/curated/en/099450005162250110/p17300600228b70070914b0b5edf26e2f9f	NOUN
fsr-4050	514	13	https://finrafoundation.org/sites/finrafoundation/files/nfcs-2021-state-by-state-questionnaire.pdf	https://finrafoundation.org/sites/finrafoundation/files/nfcs-2021-state-by-state-questionnaire.pdf	NOUN
fsr-4050	514	14	https://finrafoundation.org/sites/finrafoundation/files/nfcs-2021-state-by-state-questionnaire.pdf	https://finrafoundation.org/sites/finrafoundation/files/nfcs-2021-state-by-state-questionnaire.pdf	NOUN
fsr-4050	514	15	https://finrafoundation.org/sites/finrafoundation/files/nfcs-2021-state-by-state-questionnaire.pdf	https://finrafoundation.org/sites/finrafoundation/files/nfcs-2021-state-by-state-questionnaire.pdf	NOUN
fsr-4050	515	1	https://finrafoundation.org/sites/finrafoundation/files/nfcs-report-fifth-edition-july-2022.pdf	https://finrafoundation.org/sites/finrafoundation/files/nfcs-report-fifth-edition-july-2022.pdf	NOUN
fsr-4050	515	2	https://finrafoundation.org/sites/finrafoundation/files/nfcs-report-fifth-edition-july-2022.pdf	https://finrafoundation.org/sites/finrafoundation/files/nfcs-report-fifth-edition-july-2022.pdf	ADJ
fsr-4050	515	3	https://finrafoundation.org/sites/finrafoundation/files/nfcs-report-fifth-edition-july-2022.pdf	https://finrafoundation.org/sites/finrafoundation/files/nfcs-report-fifth-edition-july-2022.pdf	ADJ
fsr-4050	515	4	financial	financial	ADJ
fsr-4050	515	5	services	service	NOUN
fsr-4050	515	6	review	review	NOUN
fsr-4050	515	7	,	,	PUNCT
fsr-4050	515	8	33(3	33(3	NOUN
fsr-4050	515	9	)	)	PUNCT
fsr-4050	515	10	42	42	NUM
fsr-4050	515	11	14(3	14(3	NUM
fsr-4050	515	12	)	)	PUNCT
fsr-4050	515	13	,	,	PUNCT
fsr-4050	515	14	198–212	198–212	NUM
fsr-4050	515	15	.	.	PUNCT
fsr-4050	516	1	https://doi.org/10.1108/10662240410542634	https://doi.org/10.1108/10662240410542634	PROPN
fsr-4050	516	2	gjertson	gjertson	PROPN
fsr-4050	516	3	,	,	PUNCT
fsr-4050	516	4	l.	l.	PROPN
fsr-4050	516	5	(	(	PUNCT
fsr-4050	516	6	2016	2016	NUM
fsr-4050	516	7	)	)	PUNCT
fsr-4050	516	8	.	.	PUNCT
fsr-4050	517	1	emergency	emergency	NOUN
fsr-4050	517	2	saving	saving	NOUN
fsr-4050	517	3	and	and	CCONJ
fsr-4050	517	4	household	household	NOUN
fsr-4050	517	5	hardship	hardship	NOUN
fsr-4050	517	6	.	.	PUNCT
fsr-4050	518	1	journal	journal	NOUN
fsr-4050	518	2	of	of	ADP
fsr-4050	518	3	family	family	NOUN
fsr-4050	518	4	and	and	CCONJ
fsr-4050	518	5	economic	economic	ADJ
fsr-4050	518	6	issues	issue	NOUN
fsr-4050	518	7	,	,	PUNCT
fsr-4050	518	8	37	37	NUM
fsr-4050	518	9	,	,	PUNCT
fsr-4050	518	10	1	1	NUM
fsr-4050	518	11	-	-	SYM
fsr-4050	518	12	17	17	NUM
fsr-4050	518	13	.	.	PUNCT
fsr-4050	519	1	https://doi.org/10.1007/s10834-014-9434-z	https://doi.org/10.1007/s10834-014-9434-z	PROPN
fsr-4050	519	2	godin	godin	PROPN
fsr-4050	519	3	,	,	PUNCT
fsr-4050	519	4	g.	g.	PROPN
fsr-4050	519	5	,	,	PUNCT
fsr-4050	519	6	&	&	CCONJ
fsr-4050	519	7	kok	kok	PROPN
fsr-4050	519	8	,	,	PUNCT
fsr-4050	519	9	g.	g.	PROPN
fsr-4050	519	10	(	(	PUNCT
fsr-4050	519	11	1996	1996	NUM
fsr-4050	519	12	)	)	PUNCT
fsr-4050	519	13	.	.	PUNCT
fsr-4050	520	1	the	the	DET
fsr-4050	520	2	theory	theory	NOUN
fsr-4050	520	3	of	of	ADP
fsr-4050	520	4	planned	planned	ADJ
fsr-4050	520	5	behavior	behavior	NOUN
fsr-4050	520	6	:	:	PUNCT
fsr-4050	520	7	a	a	DET
fsr-4050	520	8	review	review	NOUN
fsr-4050	520	9	of	of	ADP
fsr-4050	520	10	its	its	PRON
fsr-4050	520	11	applications	application	NOUN
fsr-4050	520	12	to	to	ADP
fsr-4050	520	13	health	health	NOUN
fsr-4050	520	14	-	-	PUNCT
fsr-4050	520	15	related	relate	VERB
fsr-4050	520	16	behaviors	behavior	NOUN
fsr-4050	520	17	.	.	PUNCT
fsr-4050	521	1	american	american	ADJ
fsr-4050	521	2	journal	journal	PROPN
fsr-4050	521	3	of	of	ADP
fsr-4050	521	4	health	health	PROPN
fsr-4050	521	5	promotion	promotion	NOUN
fsr-4050	521	6	,	,	PUNCT
fsr-4050	521	7	11(2	11(2	NUM
fsr-4050	521	8	)	)	PUNCT
fsr-4050	521	9	,	,	PUNCT
fsr-4050	521	10	87	87	NUM
fsr-4050	521	11	-	-	SYM
fsr-4050	521	12	98	98	NUM
fsr-4050	521	13	.	.	PUNCT
fsr-4050	522	1	https://doi.org/10.4278/0890-1171-11.2.87	https://doi.org/10.4278/0890-1171-11.2.87	PROPN
fsr-4050	522	2	gollwitzer	gollwitzer	NOUN
fsr-4050	522	3	,	,	PUNCT
fsr-4050	522	4	p.	p.	NOUN
fsr-4050	522	5	m.	m.	NOUN
fsr-4050	522	6	(	(	PUNCT
fsr-4050	522	7	1999	1999	NUM
fsr-4050	522	8	)	)	PUNCT
fsr-4050	522	9	.	.	PUNCT
fsr-4050	523	1	implementation	implementation	NOUN
fsr-4050	523	2	intentions	intention	NOUN
fsr-4050	523	3	:	:	PUNCT
fsr-4050	523	4	strong	strong	ADJ
fsr-4050	523	5	effects	effect	NOUN
fsr-4050	523	6	of	of	ADP
fsr-4050	523	7	simple	simple	ADJ
fsr-4050	523	8	plans	plan	NOUN
fsr-4050	523	9	.	.	PUNCT
fsr-4050	524	1	american	american	ADJ
fsr-4050	524	2	psychologist	psychologist	NOUN
fsr-4050	524	3	,	,	PUNCT
fsr-4050	524	4	54(7	54(7	NOUN
fsr-4050	524	5	)	)	PUNCT
fsr-4050	524	6	,	,	PUNCT
fsr-4050	524	7	493–503	493–503	NUM
fsr-4050	524	8	.	.	PUNCT
fsr-4050	525	1	https://psycnet.apa.org/doi/10.1037/0003066x.54.7.493	https://psycnet.apa.org/doi/10.1037/0003066x.54.7.493	VERB
fsr-4050	525	2	guittierrez	guittierrez	PROPN
fsr-4050	525	3	ramirez	ramirez	PROPN
fsr-4050	525	4	,	,	PUNCT
fsr-4050	525	5	d.	d.	PROPN
fsr-4050	525	6	l.	l.	PROPN
fsr-4050	525	7	(	(	PUNCT
fsr-4050	525	8	2023	2023	NUM
fsr-4050	525	9	)	)	PUNCT
fsr-4050	525	10	.	.	PUNCT
fsr-4050	526	1	investigating	investigate	VERB
fsr-4050	526	2	the	the	DET
fsr-4050	526	3	influence	influence	NOUN
fsr-4050	526	4	of	of	ADP
fsr-4050	526	5	fintech	fintech	NOUN
fsr-4050	526	6	solutions	solution	NOUN
fsr-4050	526	7	on	on	ADP
fsr-4050	526	8	pension	pension	NOUN
fsr-4050	526	9	fund	fund	NOUN
fsr-4050	526	10	savings	saving	NOUN
fsr-4050	526	11	growth	growth	NOUN
fsr-4050	526	12	in	in	ADP
fsr-4050	526	13	mexico	mexico	PROPN
fsr-4050	526	14	(	(	PUNCT
fsr-4050	526	15	doctoral	doctoral	ADJ
fsr-4050	526	16	dissertation	dissertation	NOUN
fsr-4050	526	17	,	,	PUNCT
fsr-4050	526	18	national	national	PROPN
fsr-4050	526	19	college	college	PROPN
fsr-4050	526	20	of	of	ADP
fsr-4050	526	21	ireland	ireland	PROPN
fsr-4050	526	22	,	,	PUNCT
fsr-4050	526	23	dublin	dublin	PROPN
fsr-4050	526	24	)	)	PUNCT
fsr-4050	526	25	.	.	PUNCT
fsr-4050	527	1	heckman	heckman	PROPN
fsr-4050	527	2	,	,	PUNCT
fsr-4050	527	3	s.	s.	PROPN
fsr-4050	527	4	,	,	PUNCT
fsr-4050	527	5	&	&	CCONJ
fsr-4050	527	6	hanna	hanna	PROPN
fsr-4050	527	7	,	,	PUNCT
fsr-4050	527	8	s.	s.	PROPN
fsr-4050	527	9	d.	d.	PROPN
fsr-4050	527	10	(	(	PUNCT
fsr-4050	527	11	2015	2015	NUM
fsr-4050	527	12	)	)	PUNCT
fsr-4050	527	13	.	.	PUNCT
fsr-4050	528	1	individual	individual	ADJ
fsr-4050	528	2	and	and	CCONJ
fsr-4050	528	3	institutional	institutional	ADJ
fsr-4050	528	4	factors	factor	NOUN
fsr-4050	528	5	related	relate	VERB
fsr-4050	528	6	to	to	ADP
fsr-4050	528	7	low	low	ADJ
fsr-4050	528	8	-	-	PUNCT
fsr-4050	528	9	income	income	NOUN
fsr-4050	528	10	household	household	NOUN
fsr-4050	528	11	saving	saving	NOUN
fsr-4050	528	12	behavior	behavior	NOUN
fsr-4050	528	13	.	.	PUNCT
fsr-4050	529	1	journal	journal	PROPN
fsr-4050	529	2	of	of	ADP
fsr-4050	529	3	financial	financial	ADJ
fsr-4050	529	4	counseling	counseling	NOUN
fsr-4050	529	5	and	and	CCONJ
fsr-4050	529	6	planning	planning	NOUN
fsr-4050	529	7	,	,	PUNCT
fsr-4050	529	8	26(2	26(2	NUM
fsr-4050	529	9	)	)	PUNCT
fsr-4050	529	10	.	.	PUNCT
fsr-4050	530	1	187	187	NUM
fsr-4050	530	2	-	-	SYM
fsr-4050	530	3	199	199	NUM
fsr-4050	530	4	.	.	PUNCT
fsr-4050	531	1	https://doi.org/10.1891/10523073.26.2.187	https://doi.org/10.1891/10523073.26.2.187	PROPN
fsr-4050	531	2	henager	henager	NOUN
fsr-4050	531	3	,	,	PUNCT
fsr-4050	531	4	r.	r.	PROPN
fsr-4050	531	5	,	,	PUNCT
fsr-4050	531	6	&	&	CCONJ
fsr-4050	531	7	cude	cude	PROPN
fsr-4050	531	8	,	,	PUNCT
fsr-4050	531	9	b.	b.	PROPN
fsr-4050	531	10	j.	j.	PROPN
fsr-4050	531	11	(	(	PUNCT
fsr-4050	531	12	2016	2016	NUM
fsr-4050	531	13	)	)	PUNCT
fsr-4050	531	14	.	.	PUNCT
fsr-4050	532	1	financial	financial	ADJ
fsr-4050	532	2	literacy	literacy	NOUN
fsr-4050	532	3	and	and	CCONJ
fsr-4050	532	4	long	long	ADJ
fsr-4050	532	5	-	-	PUNCT
fsr-4050	532	6	and	and	CCONJ
fsr-4050	532	7	short	short	ADJ
fsr-4050	532	8	-	-	PUNCT
fsr-4050	532	9	term	term	NOUN
fsr-4050	532	10	financial	financial	ADJ
fsr-4050	532	11	behavior	behavior	NOUN
fsr-4050	532	12	in	in	ADP
fsr-4050	532	13	different	different	ADJ
fsr-4050	532	14	age	age	NOUN
fsr-4050	532	15	groups	group	NOUN
fsr-4050	532	16	.	.	PUNCT
fsr-4050	533	1	journal	journal	NOUN
fsr-4050	533	2	of	of	ADP
fsr-4050	533	3	financial	financial	ADJ
fsr-4050	533	4	counseling	counseling	NOUN
fsr-4050	533	5	and	and	CCONJ
fsr-4050	533	6	planning	planning	NOUN
fsr-4050	533	7	,	,	PUNCT
fsr-4050	533	8	27(1	27(1	NUM
fsr-4050	533	9	)	)	PUNCT
fsr-4050	533	10	,	,	PUNCT
fsr-4050	533	11	3	3	NUM
fsr-4050	533	12	-	-	SYM
fsr-4050	533	13	19	19	NUM
fsr-4050	533	14	.	.	PUNCT
fsr-4050	534	1	http://dx.doi.org/10.1891/1052-3073.27.1.3	http://dx.doi.org/10.1891/1052-3073.27.1.3	PROPN
fsr-4050	534	2	houts	hout	NOUN
fsr-4050	534	3	,	,	PUNCT
fsr-4050	534	4	c.	c.	PROPN
fsr-4050	534	5	r.	r.	PROPN
fsr-4050	534	6	,	,	PUNCT
fsr-4050	534	7	&	&	CCONJ
fsr-4050	534	8	knoll	knoll	PROPN
fsr-4050	534	9	,	,	PUNCT
fsr-4050	534	10	m.	m.	NOUN
fsr-4050	534	11	a.	a.	NOUN
fsr-4050	534	12	(	(	PUNCT
fsr-4050	534	13	2020	2020	NUM
fsr-4050	534	14	)	)	PUNCT
fsr-4050	534	15	.	.	PUNCT
fsr-4050	535	1	the	the	DET
fsr-4050	535	2	financial	financial	ADJ
fsr-4050	535	3	knowledge	knowledge	NOUN
fsr-4050	535	4	scale	scale	NOUN
fsr-4050	535	5	:	:	PUNCT
fsr-4050	535	6	new	new	ADJ
fsr-4050	535	7	analyses	analysis	NOUN
fsr-4050	535	8	,	,	PUNCT
fsr-4050	535	9	findings	finding	NOUN
fsr-4050	535	10	,	,	PUNCT
fsr-4050	535	11	and	and	CCONJ
fsr-4050	535	12	development	development	NOUN
fsr-4050	535	13	of	of	ADP
fsr-4050	535	14	a	a	DET
fsr-4050	535	15	short	short	ADJ
fsr-4050	535	16	form	form	NOUN
fsr-4050	535	17	.	.	PUNCT
fsr-4050	536	1	journal	journal	NOUN
fsr-4050	536	2	of	of	ADP
fsr-4050	536	3	consumer	consumer	NOUN
fsr-4050	536	4	affairs	affair	NOUN
fsr-4050	536	5	,	,	PUNCT
fsr-4050	536	6	54(2	54(2	NUM
fsr-4050	536	7	)	)	PUNCT
fsr-4050	536	8	,	,	PUNCT
fsr-4050	536	9	775	775	NUM
fsr-4050	536	10	-	-	SYM
fsr-4050	536	11	800	800	NUM
fsr-4050	536	12	.	.	PUNCT
fsr-4050	537	1	https://doi.org/10.1111/joca.12288	https://doi.org/10.1111/joca.12288	PROPN
fsr-4050	537	2	hu	hu	PROPN
fsr-4050	537	3	,	,	PUNCT
fsr-4050	537	4	z.	z.	PROPN
fsr-4050	537	5	,	,	PUNCT
fsr-4050	537	6	ding	ding	PROPN
fsr-4050	537	7	,	,	PUNCT
fsr-4050	537	8	s.	s.	PROPN
fsr-4050	537	9	,	,	PUNCT
fsr-4050	537	10	li	li	PROPN
fsr-4050	537	11	,	,	PUNCT
fsr-4050	537	12	s.	s.	PROPN
fsr-4050	537	13	,	,	PUNCT
fsr-4050	537	14	chen	chen	PROPN
fsr-4050	537	15	,	,	PUNCT
fsr-4050	537	16	l.	l.	PROPN
fsr-4050	537	17	,	,	PUNCT
fsr-4050	537	18	&	&	CCONJ
fsr-4050	537	19	yang	yang	PROPN
fsr-4050	537	20	,	,	PUNCT
fsr-4050	537	21	s.	s.	PROPN
fsr-4050	537	22	(	(	PUNCT
fsr-4050	537	23	2019	2019	NUM
fsr-4050	537	24	)	)	PUNCT
fsr-4050	537	25	.	.	PUNCT
fsr-4050	538	1	adoption	adoption	PROPN
fsr-4050	538	2	intention	intention	NOUN
fsr-4050	538	3	of	of	ADP
fsr-4050	538	4	fintech	fintech	NOUN
fsr-4050	538	5	services	service	NOUN
fsr-4050	538	6	for	for	ADP
fsr-4050	538	7	bank	bank	NOUN
fsr-4050	538	8	users	user	NOUN
fsr-4050	538	9	:	:	PUNCT
fsr-4050	538	10	an	an	DET
fsr-4050	538	11	empirical	empirical	ADJ
fsr-4050	538	12	examination	examination	NOUN
fsr-4050	538	13	with	with	ADP
fsr-4050	538	14	an	an	DET
fsr-4050	538	15	extended	extend	VERB
fsr-4050	538	16	technology	technology	NOUN
fsr-4050	538	17	acceptance	acceptance	NOUN
fsr-4050	538	18	model	model	NOUN
fsr-4050	538	19	.	.	PUNCT
fsr-4050	539	1	symmetry	symmetry	PROPN
fsr-4050	539	2	,	,	PUNCT
fsr-4050	539	3	11(3	11(3	NUM
fsr-4050	539	4	)	)	PUNCT
fsr-4050	539	5	,	,	PUNCT
fsr-4050	539	6	340	340	NUM
fsr-4050	539	7	.	.	PUNCT
fsr-4050	540	1	https://doi.org/10.3390/sym11030340	https://doi.org/10.3390/sym11030340	NUM
fsr-4050	540	2	ismail	ismail	NOUN
fsr-4050	540	3	,	,	PUNCT
fsr-4050	540	4	s.	s.	PROPN
fsr-4050	540	5	,	,	PUNCT
fsr-4050	540	6	faique	faique	NOUN
fsr-4050	540	7	,	,	PUNCT
fsr-4050	540	8	f.	f.	PROPN
fsr-4050	540	9	a.	a.	PROPN
fsr-4050	540	10	,	,	PUNCT
fsr-4050	540	11	bakri	bakri	PROPN
fsr-4050	540	12	,	,	PUNCT
fsr-4050	540	13	m.	m.	PROPN
fsr-4050	540	14	h.	h.	PROPN
fsr-4050	540	15	,	,	PUNCT
fsr-4050	540	16	zain	zain	PROPN
fsr-4050	540	17	,	,	PUNCT
fsr-4050	540	18	z.	z.	PROPN
fsr-4050	540	19	m.	m.	PROPN
fsr-4050	540	20	,	,	PUNCT
fsr-4050	540	21	idris	idris	PROPN
fsr-4050	540	22	,	,	PUNCT
fsr-4050	540	23	n.	n.	PROPN
fsr-4050	540	24	h.	h.	PROPN
fsr-4050	540	25	,	,	PUNCT
fsr-4050	540	26	yazid	yazid	PROPN
fsr-4050	540	27	,	,	PUNCT
fsr-4050	540	28	z.	z.	PROPN
fsr-4050	540	29	a.	a.	PROPN
fsr-4050	540	30	,	,	PUNCT
fsr-4050	540	31	...	...	PUNCT
fsr-4050	540	32	&	&	CCONJ
fsr-4050	540	33	taib	taib	PROPN
fsr-4050	540	34	,	,	PUNCT
fsr-4050	540	35	n.	n.	PROPN
fsr-4050	540	36	m.	m.	NOUN
fsr-4050	540	37	(	(	PUNCT
fsr-4050	540	38	2017	2017	NUM
fsr-4050	540	39	)	)	PUNCT
fsr-4050	540	40	.	.	PUNCT
fsr-4050	541	1	the	the	DET
fsr-4050	541	2	role	role	NOUN
fsr-4050	541	3	of	of	ADP
fsr-4050	541	4	financial	financial	ADJ
fsr-4050	541	5	self	self	NOUN
fsr-4050	541	6	-	-	PUNCT
fsr-4050	541	7	efficacy	efficacy	NOUN
fsr-4050	541	8	scale	scale	NOUN
fsr-4050	541	9	in	in	ADP
fsr-4050	541	10	predicting	predict	VERB
fsr-4050	541	11	financial	financial	ADJ
fsr-4050	541	12	behavior	behavior	NOUN
fsr-4050	541	13	.	.	PUNCT
fsr-4050	542	1	advanced	advanced	ADJ
fsr-4050	542	2	science	science	NOUN
fsr-4050	542	3	letters	letter	NOUN
fsr-4050	542	4	,	,	PUNCT
fsr-4050	542	5	23(5	23(5	NUM
fsr-4050	542	6	)	)	PUNCT
fsr-4050	542	7	,	,	PUNCT
fsr-4050	542	8	4635	4635	NUM
fsr-4050	542	9	-	-	SYM
fsr-4050	542	10	4639	4639	NUM
fsr-4050	542	11	.	.	PUNCT
fsr-4050	543	1	https://doi.org/10.1166/asl.2017.8992	https://doi.org/10.1166/asl.2017.8992	PROPN
fsr-4050	543	2	johnson	johnson	PROPN
fsr-4050	543	3	,	,	PUNCT
fsr-4050	543	4	d.	d.	PROPN
fsr-4050	543	5	,	,	PUNCT
fsr-4050	543	6	&	&	CCONJ
fsr-4050	543	7	widdows	widdows	PROPN
fsr-4050	543	8	,	,	PUNCT
fsr-4050	543	9	r.	r.	PROPN
fsr-4050	543	10	(	(	PUNCT
fsr-4050	543	11	1985	1985	NUM
fsr-4050	543	12	,	,	PUNCT
fsr-4050	543	13	march	march	PROPN
fsr-4050	543	14	)	)	PUNCT
fsr-4050	543	15	.	.	PUNCT
fsr-4050	544	1	emergency	emergency	NOUN
fsr-4050	544	2	fund	fund	NOUN
fsr-4050	544	3	levels	level	NOUN
fsr-4050	544	4	of	of	ADP
fsr-4050	544	5	households	household	NOUN
fsr-4050	544	6	.	.	PUNCT
fsr-4050	545	1	in	in	ADP
fsr-4050	545	2	proceedings	proceeding	NOUN
fsr-4050	545	3	of	of	ADP
fsr-4050	545	4	the	the	DET
fsr-4050	545	5	american	american	PROPN
fsr-4050	545	6	council	council	PROPN
fsr-4050	545	7	on	on	ADP
fsr-4050	545	8	consumer	consumer	NOUN
fsr-4050	545	9	interests	interest	NOUN
fsr-4050	545	10	31st	31st	NOUN
fsr-4050	545	11	annual	annual	ADJ
fsr-4050	545	12	conference	conference	NOUN
fsr-4050	545	13	(	(	PUNCT
fsr-4050	545	14	vol	vol	NOUN
fsr-4050	545	15	.	.	NOUN
fsr-4050	545	16	235	235	NUM
fsr-4050	545	17	,	,	PUNCT
fsr-4050	545	18	p.	p.	NOUN
fsr-4050	545	19	241	241	NUM
fsr-4050	545	20	)	)	PUNCT
fsr-4050	545	21	.	.	PUNCT
fsr-4050	546	1	khan	khan	PROPN
fsr-4050	546	2	,	,	PUNCT
fsr-4050	546	3	m.	m.	NOUN
fsr-4050	546	4	t.	t.	PROPN
fsr-4050	546	5	i.	i.	PROPN
fsr-4050	546	6	,	,	PUNCT
fsr-4050	546	7	liew	liew	PROPN
fsr-4050	546	8	,	,	PUNCT
fsr-4050	546	9	t.	t.	PROPN
fsr-4050	546	10	w.	w.	PROPN
fsr-4050	546	11	,	,	PUNCT
fsr-4050	546	12	&	&	CCONJ
fsr-4050	546	13	lee	lee	PROPN
fsr-4050	546	14	,	,	PUNCT
fsr-4050	546	15	x.	x.	PROPN
fsr-4050	546	16	y.	y.	PROPN
fsr-4050	546	17	(	(	PUNCT
fsr-4050	546	18	2023	2023	NUM
fsr-4050	546	19	)	)	PUNCT
fsr-4050	546	20	.	.	PUNCT
fsr-4050	547	1	fintech	fintech	NOUN
fsr-4050	547	2	literacy	literacy	NOUN
fsr-4050	547	3	among	among	ADP
fsr-4050	547	4	millennials	millennial	NOUN
fsr-4050	547	5	:	:	PUNCT
fsr-4050	547	6	the	the	DET
fsr-4050	547	7	roles	role	NOUN
fsr-4050	547	8	of	of	ADP
fsr-4050	547	9	financial	financial	ADJ
fsr-4050	547	10	literacy	literacy	NOUN
fsr-4050	547	11	and	and	CCONJ
fsr-4050	547	12	education	education	NOUN
fsr-4050	547	13	.	.	PUNCT
fsr-4050	548	1	cogent	cogent	ADJ
fsr-4050	548	2	social	social	ADJ
fsr-4050	548	3	sciences	sciences	PROPN
fsr-4050	548	4	,	,	PUNCT
fsr-4050	548	5	9(2	9(2	NUM
fsr-4050	548	6	)	)	PUNCT
fsr-4050	548	7	,	,	PUNCT
fsr-4050	548	8	1	1	NUM
fsr-4050	548	9	-	-	SYM
fsr-4050	548	10	16	16	NUM
fsr-4050	548	11	.	.	PUNCT
fsr-4050	549	1	https://doi.org/10.1080/23311886.2023.2281	https://doi.org/10.1080/23311886.2023.2281	PROPN
fsr-4050	549	2	046	046	NUM
fsr-4050	549	3	khandelwal	khandelwal	PROPN
fsr-4050	549	4	,	,	PUNCT
fsr-4050	549	5	r.	r.	PROPN
fsr-4050	549	6	,	,	PUNCT
fsr-4050	549	7	kolte	kolte	PROPN
fsr-4050	549	8	,	,	PUNCT
fsr-4050	549	9	a.	a.	NOUN
fsr-4050	549	10	,	,	PUNCT
fsr-4050	549	11	veer	veer	NOUN
fsr-4050	549	12	,	,	PUNCT
fsr-4050	549	13	n.	n.	NOUN
fsr-4050	549	14	,	,	PUNCT
fsr-4050	549	15	&	&	CCONJ
fsr-4050	549	16	sharma	sharma	PROPN
fsr-4050	549	17	,	,	PUNCT
fsr-4050	549	18	p.	p.	NOUN
fsr-4050	549	19	(	(	PUNCT
fsr-4050	549	20	2022	2022	NUM
fsr-4050	549	21	)	)	PUNCT
fsr-4050	549	22	.	.	PUNCT
fsr-4050	550	1	compulsive	compulsive	ADJ
fsr-4050	550	2	buying	buying	NOUN
fsr-4050	550	3	behaviour	behaviour	NOUN
fsr-4050	550	4	of	of	ADP
fsr-4050	550	5	credit	credit	NOUN
fsr-4050	550	6	card	card	NOUN
fsr-4050	550	7	users	user	NOUN
fsr-4050	550	8	and	and	CCONJ
fsr-4050	550	9	affecting	affect	VERB
fsr-4050	550	10	factors	factor	NOUN
fsr-4050	550	11	such	such	ADJ
fsr-4050	550	12	as	as	ADP
fsr-4050	550	13	financial	financial	ADJ
fsr-4050	550	14	knowledge	knowledge	NOUN
fsr-4050	550	15	,	,	PUNCT
fsr-4050	550	16	prestige	prestige	NOUN
fsr-4050	550	17	and	and	CCONJ
fsr-4050	550	18	retention	retention	NOUN
fsr-4050	550	19	time	time	NOUN
fsr-4050	550	20	:	:	PUNCT
fsr-4050	550	21	a	a	DET
fsr-4050	550	22	cross	cross	ADJ
fsr-4050	550	23	-	-	ADJ
fsr-4050	550	24	sectional	sectional	ADJ
fsr-4050	550	25	research	research	NOUN
fsr-4050	550	26	.	.	PUNCT
fsr-4050	551	1	vision	vision	NOUN
fsr-4050	551	2	,	,	PUNCT
fsr-4050	551	3	26(2	26(2	NUM
fsr-4050	551	4	)	)	PUNCT
fsr-4050	551	5	,	,	PUNCT
fsr-4050	551	6	172	172	NUM
fsr-4050	551	7	-	-	SYM
fsr-4050	551	8	180	180	NUM
fsr-4050	551	9	.	.	PUNCT
fsr-4050	552	1	https://doi.org/10.1177/0972262920981428	https://doi.org/10.1177/0972262920981428	PROPN
fsr-4050	552	2	leclerc	leclerc	PROPN
fsr-4050	552	3	,	,	PUNCT
fsr-4050	552	4	k.	k.	PROPN
fsr-4050	552	5	(	(	PUNCT
fsr-4050	552	6	2012	2012	NUM
fsr-4050	552	7	)	)	PUNCT
fsr-4050	552	8	.	.	PUNCT
fsr-4050	553	1	influential	influential	ADJ
fsr-4050	553	2	factors	factor	NOUN
fsr-4050	553	3	contributing	contribute	VERB
fsr-4050	553	4	to	to	ADP
fsr-4050	553	5	college	college	NOUN
fsr-4050	553	6	student	student	NOUN
fsr-4050	553	7	spending	spending	NOUN
fsr-4050	553	8	habits	habit	NOUN
fsr-4050	553	9	and	and	CCONJ
fsr-4050	553	10	credit	credit	NOUN
fsr-4050	553	11	card	card	NOUN
fsr-4050	553	12	debt	debt	NOUN
fsr-4050	553	13	.	.	PUNCT
fsr-4050	554	1	perspectives	perspective	NOUN
fsr-4050	554	2	,	,	PUNCT
fsr-4050	554	3	4(1	4(1	NOUN
fsr-4050	554	4	)	)	PUNCT
fsr-4050	554	5	,	,	PUNCT
fsr-4050	554	6	20	20	NUM
fsr-4050	554	7	.	.	PUNCT
fsr-4050	554	8	lee	lee	PROPN
fsr-4050	554	9	,	,	PUNCT
fsr-4050	554	10	s.	s.	PROPN
fsr-4050	554	11	k.	k.	PROPN
fsr-4050	554	12	(	(	PUNCT
fsr-4050	554	13	2019	2019	NUM
fsr-4050	554	14	,	,	PUNCT
fsr-4050	554	15	november	november	PROPN
fsr-4050	554	16	3	3	NUM
fsr-4050	554	17	)	)	PUNCT
fsr-4050	554	18	.	.	PUNCT
fsr-4050	555	1	fintech	fintech	NOUN
fsr-4050	555	2	nudges	nudge	VERB
fsr-4050	555	3	:	:	PUNCT
fsr-4050	555	4	overspending	overspend	VERB
fsr-4050	555	5	messages	message	NOUN
fsr-4050	555	6	and	and	CCONJ
fsr-4050	555	7	personal	personal	ADJ
fsr-4050	555	8	finance	finance	NOUN
fsr-4050	555	9	management	management	NOUN
fsr-4050	555	10	(	(	PUNCT
fsr-4050	555	11	nyu	nyu	PROPN
fsr-4050	555	12	stern	stern	PROPN
fsr-4050	555	13	school	school	PROPN
fsr-4050	555	14	of	of	ADP
fsr-4050	555	15	business	business	NOUN
fsr-4050	555	16	research	research	NOUN
fsr-4050	555	17	paper	paper	NOUN
fsr-4050	555	18	)	)	PUNCT
fsr-4050	555	19	.	.	PUNCT
fsr-4050	556	1	https://doi.org/10.2139/ssrn.3390777	https://doi.org/10.2139/ssrn.3390777	PROPN
fsr-4050	556	2	leland	leland	PROPN
fsr-4050	556	3	,	,	PUNCT
fsr-4050	556	4	h.	h.	PROPN
fsr-4050	556	5	e.	e.	PROPN
fsr-4050	556	6	(	(	PUNCT
fsr-4050	556	7	1968	1968	NUM
fsr-4050	556	8	)	)	PUNCT
fsr-4050	556	9	.	.	PUNCT
fsr-4050	557	1	saving	saving	NOUN
fsr-4050	557	2	and	and	CCONJ
fsr-4050	557	3	uncertainty	uncertainty	NOUN
fsr-4050	557	4	:	:	PUNCT
fsr-4050	557	5	the	the	DET
fsr-4050	557	6	precautionary	precautionary	ADJ
fsr-4050	557	7	demand	demand	NOUN
fsr-4050	557	8	for	for	ADP
fsr-4050	557	9	saving	save	VERB
fsr-4050	557	10	.	.	PUNCT
fsr-4050	558	1	the	the	DET
fsr-4050	558	2	quarterly	quarterly	ADJ
fsr-4050	558	3	journal	journal	NOUN
fsr-4050	558	4	of	of	ADP
fsr-4050	558	5	economics	economic	NOUN
fsr-4050	558	6	,	,	PUNCT
fsr-4050	558	7	82(3	82(3	NUM
fsr-4050	558	8	)	)	PUNCT
fsr-4050	558	9	,	,	PUNCT
fsr-4050	558	10	465473	465473	NUM
fsr-4050	558	11	.	.	PUNCT
fsr-4050	559	1	https://doi.org/10.2307/1879518	https://doi.org/10.2307/1879518	NUM
fsr-4050	559	2	lin	lin	PROPN
fsr-4050	559	3	,	,	PUNCT
fsr-4050	559	4	b.	b.	PROPN
fsr-4050	559	5	,	,	PUNCT
fsr-4050	559	6	&	&	CCONJ
fsr-4050	559	7	shi	shi	PROPN
fsr-4050	559	8	,	,	PUNCT
fsr-4050	559	9	l.	l.	PROPN
fsr-4050	559	10	(	(	PUNCT
fsr-4050	559	11	2022	2022	NUM
fsr-4050	559	12	)	)	PUNCT
fsr-4050	559	13	.	.	PUNCT
fsr-4050	559	14	identify	identify	VERB
fsr-4050	559	15	and	and	CCONJ
fsr-4050	559	16	bridge	bridge	VERB
fsr-4050	559	17	the	the	DET
fsr-4050	559	18	intention	intention	NOUN
fsr-4050	559	19	-	-	PUNCT
fsr-4050	559	20	behavior	behavior	NOUN
fsr-4050	559	21	gap	gap	NOUN
fsr-4050	559	22	in	in	ADP
fsr-4050	559	23	new	new	ADJ
fsr-4050	559	24	energy	energy	NOUN
fsr-4050	559	25	vehicles	vehicle	NOUN
fsr-4050	559	26	consumption	consumption	NOUN
fsr-4050	559	27	:	:	PUNCT
fsr-4050	559	28	based	base	VERB
fsr-4050	559	29	on	on	ADP
fsr-4050	559	30	a	a	DET
fsr-4050	559	31	new	new	ADJ
fsr-4050	559	32	measurement	measurement	NOUN
fsr-4050	559	33	method	method	NOUN
fsr-4050	559	34	.	.	PUNCT
fsr-4050	560	1	sustainable	sustainable	ADJ
fsr-4050	560	2	production	production	NOUN
fsr-4050	560	3	and	and	CCONJ
fsr-4050	560	4	consumption	consumption	NOUN
fsr-4050	560	5	,	,	PUNCT
fsr-4050	560	6	31	31	NUM
fsr-4050	560	7	,	,	PUNCT
fsr-4050	560	8	432	432	NUM
fsr-4050	560	9	-	-	SYM
fsr-4050	560	10	447	447	NUM
fsr-4050	560	11	.	.	PUNCT
fsr-4050	561	1	https://doi.org/10.1016/j.spc.2022.03.015	https://doi.org/10.1016/j.spc.2022.03.015	PROPN
fsr-4050	561	2	litman	litman	PROPN
fsr-4050	561	3	,	,	PUNCT
fsr-4050	561	4	l.	l.	PROPN
fsr-4050	561	5	,	,	PUNCT
fsr-4050	561	6	robinson	robinson	PROPN
fsr-4050	561	7	,	,	PUNCT
fsr-4050	561	8	j.	j.	PROPN
fsr-4050	561	9	,	,	PUNCT
fsr-4050	561	10	&	&	CCONJ
fsr-4050	561	11	abberbock	abberbock	NOUN
fsr-4050	561	12	,	,	PUNCT
fsr-4050	561	13	t.	t.	PROPN
fsr-4050	561	14	(	(	PUNCT
fsr-4050	561	15	2017	2017	NUM
fsr-4050	561	16	)	)	PUNCT
fsr-4050	561	17	.	.	PUNCT
fsr-4050	562	1	turkprime.com	turkprime.com	X
fsr-4050	562	2	:	:	PUNCT
fsr-4050	562	3	a	a	DET
fsr-4050	562	4	versatile	versatile	ADJ
fsr-4050	562	5	crowdsourcing	crowdsource	VERB
fsr-4050	562	6	data	data	NOUN
fsr-4050	562	7	acquisition	acquisition	NOUN
fsr-4050	562	8	platform	platform	NOUN
fsr-4050	562	9	for	for	ADP
fsr-4050	562	10	the	the	DET
fsr-4050	562	11	behavioral	behavioral	ADJ
fsr-4050	562	12	sciences	science	NOUN
fsr-4050	562	13	.	.	PUNCT
fsr-4050	563	1	behavior	behavior	NOUN
fsr-4050	563	2	research	research	NOUN
fsr-4050	563	3	methods	method	NOUN
fsr-4050	563	4	,	,	PUNCT
fsr-4050	563	5	49(2	49(2	NUM
fsr-4050	563	6	)	)	PUNCT
fsr-4050	563	7	,	,	PUNCT
fsr-4050	563	8	433	433	NUM
fsr-4050	563	9	-	-	SYM
fsr-4050	563	10	442	442	NUM
fsr-4050	563	11	.	.	PUNCT
fsr-4050	564	1	https://doi.org/10.3758/s13428016-0727-z	https://doi.org/10.3758/s13428016-0727-z	NOUN
fsr-4050	564	2	https://doi.org/10.1891/1052-3073.26.2.187	https://doi.org/10.1891/1052-3073.26.2.187	PROPN
fsr-4050	565	1	https://doi.org/10.1891/1052-3073.26.2.187	https://doi.org/10.1891/1052-3073.26.2.187	PROPN
fsr-4050	565	2	https://doi.org/10.1177/0972262920981428	https://doi.org/10.1177/0972262920981428	PRON
fsr-4050	566	1	https://doi.org/10.2139/ssrn.3390777	https://doi.org/10.2139/ssrn.3390777	PROPN
fsr-4050	566	2	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	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	PROPN
fsr-4050	566	3	chen	chen	PROPN
fsr-4050	566	4	et	et	PROPN
fsr-4050	566	5	al	al	PROPN
fsr-4050	566	6	.	.	PROPN
fsr-4050	566	7	43	43	NUM
fsr-4050	566	8	little	little	ADJ
fsr-4050	566	9	,	,	PUNCT
fsr-4050	566	10	t.	t.	PROPN
fsr-4050	566	11	d.	d.	PROPN
fsr-4050	566	12	(	(	PUNCT
fsr-4050	566	13	2024	2024	NUM
fsr-4050	566	14	)	)	PUNCT
fsr-4050	566	15	.	.	PUNCT
fsr-4050	567	1	longitudinal	longitudinal	ADJ
fsr-4050	567	2	structural	structural	ADJ
fsr-4050	567	3	equation	equation	NOUN
fsr-4050	567	4	modeling	modeling	NOUN
fsr-4050	567	5	.	.	PUNCT
fsr-4050	568	1	guilford	guilford	PROPN
fsr-4050	568	2	publications	publication	NOUN
fsr-4050	568	3	.	.	PUNCT
fsr-4050	569	1	löwgren	löwgren	PROPN
fsr-4050	569	2	,	,	PUNCT
fsr-4050	569	3	a.	a.	NOUN
fsr-4050	569	4	(	(	PUNCT
fsr-4050	569	5	2023	2023	NUM
fsr-4050	569	6	)	)	PUNCT
fsr-4050	569	7	.	.	PUNCT
fsr-4050	570	1	fintech	fintech	NOUN
fsr-4050	570	2	:	:	PUNCT
fsr-4050	570	3	a	a	DET
fsr-4050	570	4	more	more	ADV
fsr-4050	570	5	motivating	motivating	ADJ
fsr-4050	570	6	way	way	NOUN
fsr-4050	570	7	of	of	ADP
fsr-4050	570	8	saving	save	VERB
fsr-4050	570	9	money	money	NOUN
fsr-4050	570	10	?	?	PUNCT
fsr-4050	570	11	:	:	PUNCT
fsr-4050	570	12	persuasive	persuasive	ADJ
fsr-4050	570	13	design	design	NOUN
fsr-4050	570	14	in	in	ADP
fsr-4050	570	15	fintech	fintech	NOUN
fsr-4050	570	16	.	.	PUNCT
fsr-4050	571	1	diva	diva	PROPN
fsr-4050	571	2	portal	portal	PROPN
fsr-4050	571	3	.	.	PUNCT
fsr-4050	572	1	https://www.divaportal.org/smash/get/diva2:1776121/fullt	https://www.divaportal.org/smash/get/diva2:1776121/fullt	PROPN
fsr-4050	573	1	ext01.pdf	ext01.pdf	PROPN
fsr-4050	573	2	lučić	lučić	NOUN
fsr-4050	573	3	,	,	PUNCT
fsr-4050	573	4	a.	a.	NOUN
fsr-4050	573	5	,	,	PUNCT
fsr-4050	573	6	erceg	erceg	ADJ
fsr-4050	573	7	,	,	PUNCT
fsr-4050	573	8	n.	n.	NOUN
fsr-4050	573	9	,	,	PUNCT
fsr-4050	573	10	&	&	CCONJ
fsr-4050	573	11	barbić	barbić	PROPN
fsr-4050	573	12	,	,	PUNCT
fsr-4050	573	13	d.	d.	PROPN
fsr-4050	573	14	(	(	PUNCT
fsr-4050	573	15	2025	2025	NUM
fsr-4050	573	16	)	)	PUNCT
fsr-4050	573	17	.	.	PUNCT
fsr-4050	574	1	determinants	determinant	NOUN
fsr-4050	574	2	of	of	ADP
fsr-4050	574	3	tweens	tween	NOUN
fsr-4050	574	4	’	'	PUNCT
fsr-4050	574	5	saving	saving	NOUN
fsr-4050	574	6	intentions	intention	NOUN
fsr-4050	574	7	:	:	PUNCT
fsr-4050	574	8	a	a	DET
fsr-4050	574	9	cross	cross	ADJ
fsr-4050	574	10	-	-	ADJ
fsr-4050	574	11	sectional	sectional	ADJ
fsr-4050	574	12	study	study	NOUN
fsr-4050	574	13	.	.	PUNCT
fsr-4050	575	1	international	international	ADJ
fsr-4050	575	2	journal	journal	PROPN
fsr-4050	575	3	of	of	ADP
fsr-4050	575	4	bank	bank	PROPN
fsr-4050	575	5	marketing	marketing	NOUN
fsr-4050	575	6	,	,	PUNCT
fsr-4050	575	7	43(2	43(2	NUM
fsr-4050	575	8	)	)	PUNCT
fsr-4050	575	9	,	,	PUNCT
fsr-4050	575	10	239	239	NUM
fsr-4050	575	11	-	-	SYM
fsr-4050	575	12	261	261	NUM
fsr-4050	575	13	.	.	PUNCT
fsr-4050	576	1	https://doi.org/10.1108/ijbm-08-2023-0468	https://doi.org/10.1108/ijbm-08-2023-0468	PROPN
fsr-4050	576	2	lusardi	lusardi	PROPN
fsr-4050	576	3	,	,	PUNCT
fsr-4050	576	4	a.	a.	PROPN
fsr-4050	576	5	,	,	PUNCT
fsr-4050	576	6	michaud	michaud	PROPN
fsr-4050	576	7	,	,	PUNCT
fsr-4050	576	8	p.	p.	PROPN
fsr-4050	576	9	c.	c.	PROPN
fsr-4050	576	10	,	,	PUNCT
fsr-4050	576	11	&	&	CCONJ
fsr-4050	576	12	mitchell	mitchell	PROPN
fsr-4050	576	13	,	,	PUNCT
fsr-4050	576	14	o.	o.	PROPN
fsr-4050	576	15	s.	s.	PROPN
fsr-4050	576	16	(	(	PUNCT
fsr-4050	576	17	2017	2017	NUM
fsr-4050	576	18	)	)	PUNCT
fsr-4050	576	19	.	.	PUNCT
fsr-4050	577	1	optimal	optimal	ADJ
fsr-4050	577	2	financial	financial	ADJ
fsr-4050	577	3	knowledge	knowledge	NOUN
fsr-4050	577	4	and	and	CCONJ
fsr-4050	577	5	wealth	wealth	NOUN
fsr-4050	577	6	inequality	inequality	NOUN
fsr-4050	577	7	.	.	PUNCT
fsr-4050	578	1	journal	journal	NOUN
fsr-4050	578	2	of	of	ADP
fsr-4050	578	3	political	political	ADJ
fsr-4050	578	4	economy	economy	NOUN
fsr-4050	578	5	,	,	PUNCT
fsr-4050	578	6	125(2	125(2	NUM
fsr-4050	578	7	)	)	PUNCT
fsr-4050	578	8	,	,	PUNCT
fsr-4050	578	9	431	431	NUM
fsr-4050	578	10	-	-	SYM
fsr-4050	578	11	477	477	NUM
fsr-4050	578	12	.	.	PUNCT
fsr-4050	579	1	https://doi.org/10.1086/690950	https://doi.org/10.1086/690950	PROPN
fsr-4050	579	2	magwegwe	magwegwe	PROPN
fsr-4050	579	3	,	,	PUNCT
fsr-4050	579	4	f.	f.	PROPN
fsr-4050	579	5	m.	m.	PROPN
fsr-4050	579	6	,	,	PUNCT
fsr-4050	579	7	&	&	CCONJ
fsr-4050	579	8	lim	lim	PROPN
fsr-4050	579	9	,	,	PUNCT
fsr-4050	579	10	h.	h.	PROPN
fsr-4050	579	11	(	(	PUNCT
fsr-4050	579	12	2021	2021	NUM
fsr-4050	579	13	)	)	PUNCT
fsr-4050	579	14	.	.	PUNCT
fsr-4050	580	1	factors	factor	NOUN
fsr-4050	580	2	associated	associate	VERB
fsr-4050	580	3	with	with	ADP
fsr-4050	580	4	the	the	DET
fsr-4050	580	5	ownership	ownership	NOUN
fsr-4050	580	6	of	of	ADP
fsr-4050	580	7	individual	individual	ADJ
fsr-4050	580	8	retirement	retirement	NOUN
fsr-4050	580	9	accounts	account	NOUN
fsr-4050	580	10	(	(	PUNCT
fsr-4050	580	11	iras	ira	NOUN
fsr-4050	580	12	):	):	PUNCT
fsr-4050	580	13	applying	apply	VERB
fsr-4050	580	14	the	the	DET
fsr-4050	580	15	theory	theory	NOUN
fsr-4050	580	16	of	of	ADP
fsr-4050	580	17	planned	plan	VERB
fsr-4050	580	18	behavior	behavior	NOUN
fsr-4050	580	19	.	.	PUNCT
fsr-4050	581	1	journal	journal	PROPN
fsr-4050	581	2	of	of	ADP
fsr-4050	581	3	financial	financial	ADJ
fsr-4050	581	4	counseling	counseling	NOUN
fsr-4050	581	5	and	and	CCONJ
fsr-4050	581	6	planning	planning	NOUN
fsr-4050	581	7	,	,	PUNCT
fsr-4050	581	8	32(1	32(1	NUM
fsr-4050	581	9	)	)	PUNCT
fsr-4050	581	10	,	,	PUNCT
fsr-4050	581	11	116	116	NUM
fsr-4050	581	12	-	-	SYM
fsr-4050	581	13	130	130	NUM
fsr-4050	581	14	.	.	PUNCT
fsr-4050	582	1	https://doi.org/10.1891/jfcp-1900023	https://doi.org/10.1891/jfcp-1900023	NOUN
fsr-4050	582	2	nicoletti	nicoletti	NOUN
fsr-4050	582	3	,	,	PUNCT
fsr-4050	582	4	b.	b.	PROPN
fsr-4050	582	5	,	,	PUNCT
fsr-4050	582	6	nicoletti	nicoletti	PROPN
fsr-4050	582	7	,	,	PUNCT
fsr-4050	582	8	w.	w.	PROPN
fsr-4050	582	9	,	,	PUNCT
fsr-4050	582	10	&	&	CCONJ
fsr-4050	582	11	weis	weis	PROPN
fsr-4050	582	12	,	,	PUNCT
fsr-4050	582	13	a.	a.	NOUN
fsr-4050	582	14	(	(	PUNCT
fsr-4050	582	15	2017	2017	NUM
fsr-4050	582	16	)	)	PUNCT
fsr-4050	582	17	.	.	PUNCT
fsr-4050	583	1	future	future	NOUN
fsr-4050	583	2	of	of	ADP
fsr-4050	583	3	fintech	fintech	NOUN
fsr-4050	583	4	.	.	PUNCT
fsr-4050	584	1	springer	springer	NOUN
fsr-4050	584	2	nature	nature	NOUN
fsr-4050	584	3	.	.	PUNCT
fsr-4050	585	1	nourallah	nourallah	ADJ
fsr-4050	585	2	,	,	PUNCT
fsr-4050	585	3	m.	m.	NOUN
fsr-4050	585	4	,	,	PUNCT
fsr-4050	585	5	chan	chan	PROPN
fsr-4050	585	6	,	,	PUNCT
fsr-4050	585	7	h.	h.	PROPN
fsr-4050	585	8	r.	r.	PROPN
fsr-4050	585	9	,	,	PUNCT
fsr-4050	585	10	chien	chien	PROPN
fsr-4050	585	11	,	,	PUNCT
fsr-4050	585	12	c.	c.	PROPN
fsr-4050	585	13	l.	l.	PROPN
fsr-4050	585	14	,	,	PUNCT
fsr-4050	585	15	&	&	CCONJ
fsr-4050	585	16	öhman	öhman	PROPN
fsr-4050	585	17	,	,	PUNCT
fsr-4050	585	18	p.	p.	NOUN
fsr-4050	585	19	(	(	PUNCT
fsr-4050	585	20	2025	2025	NUM
fsr-4050	585	21	)	)	PUNCT
fsr-4050	585	22	.	.	PUNCT
fsr-4050	586	1	financial	financial	ADJ
fsr-4050	586	2	capability	capability	NOUN
fsr-4050	586	3	,	,	PUNCT
fsr-4050	586	4	behavior	behavior	NOUN
fsr-4050	586	5	,	,	PUNCT
fsr-4050	586	6	well‐being	well‐being	NOUN
fsr-4050	586	7	,	,	PUNCT
fsr-4050	586	8	and	and	CCONJ
fsr-4050	586	9	stress	stress	NOUN
fsr-4050	586	10	among	among	ADP
fsr-4050	586	11	financial	financial	ADJ
fsr-4050	586	12	advisors	advisor	NOUN
fsr-4050	586	13	.	.	PUNCT
fsr-4050	587	1	financial	financial	ADJ
fsr-4050	587	2	planning	planning	PROPN
fsr-4050	587	3	review	review	NOUN
fsr-4050	587	4	,	,	PUNCT
fsr-4050	587	5	8(2	8(2	NUM
fsr-4050	587	6	)	)	PUNCT
fsr-4050	587	7	,	,	PUNCT
fsr-4050	587	8	e70002	e70002	NOUN
fsr-4050	587	9	.	.	PUNCT
fsr-4050	588	1	https://doi.org/10.1002/cfp2.70002	https://doi.org/10.1002/cfp2.70002	NOUN
fsr-4050	588	2	nourallah	nourallah	PROPN
fsr-4050	588	3	,	,	PUNCT
fsr-4050	588	4	m.	m.	NOUN
fsr-4050	588	5	,	,	PUNCT
fsr-4050	588	6	&	&	CCONJ
fsr-4050	588	7	öhman	öhman	NOUN
fsr-4050	588	8	,	,	PUNCT
fsr-4050	588	9	p.	p.	NOUN
fsr-4050	588	10	(	(	PUNCT
fsr-4050	588	11	2021	2021	NUM
fsr-4050	588	12	)	)	PUNCT
fsr-4050	588	13	.	.	PUNCT
fsr-4050	589	1	impact	impact	NOUN
fsr-4050	589	2	of	of	ADP
fsr-4050	589	3	advanced	advanced	ADJ
fsr-4050	589	4	technologies	technology	NOUN
fsr-4050	589	5	on	on	ADP
fsr-4050	589	6	consumer	consumer	NOUN
fsr-4050	589	7	finance	finance	NOUN
fsr-4050	589	8	and	and	CCONJ
fsr-4050	589	9	retail	retail	ADJ
fsr-4050	589	10	investment	investment	NOUN
fsr-4050	589	11	.	.	PUNCT
fsr-4050	590	1	in	in	ADP
fsr-4050	590	2	r.	r.	PROPN
fsr-4050	590	3	ho	ho	PROPN
fsr-4050	590	4	,	,	PUNCT
fsr-4050	590	5	a.	a.	PROPN
fsr-4050	590	6	h.	h.	PROPN
fsr-4050	590	7	h.	h.	PROPN
fsr-4050	590	8	ng	ng	PROPN
fsr-4050	590	9	,	,	PUNCT
fsr-4050	590	10	&	&	CCONJ
fsr-4050	590	11	m.	m.	PROPN
fsr-4050	590	12	nourallah	nourallah	PROPN
fsr-4050	590	13	(	(	PUNCT
fsr-4050	590	14	eds	ed	NOUN
fsr-4050	590	15	.	.	PUNCT
fsr-4050	590	16	)	)	PUNCT
fsr-4050	590	17	,	,	PUNCT
fsr-4050	590	18	impact	impact	NOUN
fsr-4050	590	19	of	of	ADP
fsr-4050	590	20	globalization	globalization	NOUN
fsr-4050	590	21	and	and	CCONJ
fsr-4050	590	22	advanced	advanced	ADJ
fsr-4050	590	23	technologies	technology	NOUN
fsr-4050	590	24	on	on	ADP
fsr-4050	590	25	online	online	ADJ
fsr-4050	590	26	business	business	NOUN
fsr-4050	590	27	models	model	NOUN
fsr-4050	590	28	(	(	PUNCT
fsr-4050	590	29	pp	pp	X
fsr-4050	590	30	.	.	PUNCT
fsr-4050	590	31	1–15	1–15	NUM
fsr-4050	590	32	)	)	PUNCT
fsr-4050	590	33	.	.	PUNCT
fsr-4050	591	1	igi	igi	PROPN
fsr-4050	591	2	global	global	PROPN
fsr-4050	591	3	.	.	PUNCT
fsr-4050	592	1	https://doi.org/10.4018/978-1-79987603-8.ch001	https://doi.org/10.4018/978-1-79987603-8.ch001	PROPN
fsr-4050	592	2	nourallah	nourallah	PROPN
fsr-4050	592	3	,	,	PUNCT
fsr-4050	592	4	m.	m.	NOUN
fsr-4050	592	5	,	,	PUNCT
fsr-4050	592	6	öhman	öhman	NOUN
fsr-4050	592	7	,	,	PUNCT
fsr-4050	592	8	p.	p.	NOUN
fsr-4050	592	9	,	,	PUNCT
fsr-4050	592	10	&	&	CCONJ
fsr-4050	592	11	hamati	hamati	PROPN
fsr-4050	592	12	,	,	PUNCT
fsr-4050	592	13	s.	s.	PROPN
fsr-4050	592	14	(	(	PUNCT
fsr-4050	592	15	2024	2024	NUM
fsr-4050	592	16	)	)	PUNCT
fsr-4050	592	17	.	.	PUNCT
fsr-4050	593	1	financial	financial	ADJ
fsr-4050	593	2	technology	technology	NOUN
fsr-4050	593	3	and	and	CCONJ
fsr-4050	593	4	financial	financial	ADJ
fsr-4050	593	5	capability	capability	NOUN
fsr-4050	593	6	:	:	PUNCT
fsr-4050	593	7	study	study	NOUN
fsr-4050	593	8	of	of	ADP
fsr-4050	593	9	the	the	DET
fsr-4050	593	10	european	european	PROPN
fsr-4050	593	11	union	union	PROPN
fsr-4050	593	12	.	.	PUNCT
fsr-4050	594	1	global	global	ADJ
fsr-4050	594	2	finance	finance	PROPN
fsr-4050	594	3	journal	journal	NOUN
fsr-4050	594	4	,	,	PUNCT
fsr-4050	594	5	62	62	NUM
fsr-4050	594	6	,	,	PUNCT
fsr-4050	594	7	101008	101008	NUM
fsr-4050	594	8	.	.	PUNCT
fsr-4050	595	1	https://doi.org/10.1016/j.gfj.2024.101008	https://doi.org/10.1016/j.gfj.2024.101008	PROPN
fsr-4050	595	2	nunnally	nunnally	PROPN
fsr-4050	595	3	,	,	PUNCT
fsr-4050	595	4	j.	j.	PROPN
fsr-4050	595	5	c.	c.	PROPN
fsr-4050	595	6	,	,	PUNCT
fsr-4050	595	7	&	&	CCONJ
fsr-4050	595	8	bernstein	bernstein	PROPN
fsr-4050	595	9	,	,	PUNCT
fsr-4050	595	10	i.	i.	PROPN
fsr-4050	595	11	h.	h.	PROPN
fsr-4050	595	12	(	(	PUNCT
fsr-4050	595	13	1994	1994	NUM
fsr-4050	595	14	)	)	PUNCT
fsr-4050	595	15	.	.	PUNCT
fsr-4050	596	1	psychometric	psychometric	ADJ
fsr-4050	596	2	theory	theory	NOUN
fsr-4050	596	3	(	(	PUNCT
fsr-4050	596	4	3rd	3rd	ADJ
fsr-4050	596	5	ed	ed	NOUN
fsr-4050	596	6	.	.	PUNCT
fsr-4050	596	7	)	)	PUNCT
fsr-4050	596	8	.	.	PUNCT
fsr-4050	597	1	new	new	PROPN
fsr-4050	597	2	york	york	PROPN
fsr-4050	597	3	,	,	PUNCT
fsr-4050	597	4	ny	ny	PROPN
fsr-4050	597	5	:	:	PUNCT
fsr-4050	597	6	mcgraw	mcgraw	PROPN
fsr-4050	597	7	-	-	PUNCT
fsr-4050	597	8	hill	hill	NOUN
fsr-4050	597	9	.	.	PUNCT
fsr-4050	598	1	omwansa	omwansa	PROPN
fsr-4050	598	2	,	,	PUNCT
fsr-4050	598	3	t.	t.	PROPN
fsr-4050	598	4	k.	k.	PROPN
fsr-4050	598	5	,	,	PUNCT
fsr-4050	598	6	waema	waema	NOUN
fsr-4050	598	7	,	,	PUNCT
fsr-4050	598	8	t.	t.	NOUN
fsr-4050	598	9	m.	m.	NOUN
fsr-4050	598	10	,	,	PUNCT
fsr-4050	598	11	chen	chen	PROPN
fsr-4050	598	12	,	,	PUNCT
fsr-4050	598	13	c.	c.	PROPN
fsr-4050	598	14	,	,	PUNCT
fsr-4050	598	15	&	&	CCONJ
fsr-4050	598	16	sullivan	sullivan	PROPN
fsr-4050	598	17	,	,	PUNCT
fsr-4050	598	18	n.	n.	PROPN
fsr-4050	598	19	p.	p.	PROPN
fsr-4050	598	20	(	(	PUNCT
fsr-4050	598	21	2013	2013	NUM
fsr-4050	598	22	)	)	PUNCT
fsr-4050	598	23	.	.	PUNCT
fsr-4050	599	1	the	the	DET
fsr-4050	599	2	mobile	mobile	ADJ
fsr-4050	599	3	phone	phone	NOUN
fsr-4050	599	4	as	as	SCONJ
fsr-4050	599	5	the	the	DET
fsr-4050	599	6	tool	tool	NOUN
fsr-4050	599	7	to	to	PART
fsr-4050	599	8	redefine	redefine	VERB
fsr-4050	599	9	savings	saving	NOUN
fsr-4050	599	10	for	for	ADP
fsr-4050	599	11	the	the	DET
fsr-4050	599	12	poor	poor	ADJ
fsr-4050	599	13	:	:	PUNCT
fsr-4050	599	14	evidence	evidence	NOUN
fsr-4050	599	15	from	from	ADP
fsr-4050	599	16	kenya	kenya	PROPN
fsr-4050	599	17	.	.	PUNCT
fsr-4050	600	1	african	african	ADJ
fsr-4050	600	2	journal	journal	PROPN
fsr-4050	600	3	of	of	ADP
fsr-4050	600	4	science	science	NOUN
fsr-4050	600	5	,	,	PUNCT
fsr-4050	600	6	technology	technology	NOUN
fsr-4050	600	7	,	,	PUNCT
fsr-4050	600	8	innovation	innovation	NOUN
fsr-4050	600	9	and	and	CCONJ
fsr-4050	600	10	development	development	NOUN
fsr-4050	600	11	,	,	PUNCT
fsr-4050	600	12	5(5	5(5	NUM
fsr-4050	600	13	)	)	PUNCT
fsr-4050	600	14	,	,	PUNCT
fsr-4050	600	15	355	355	NUM
fsr-4050	600	16	-	-	SYM
fsr-4050	600	17	361	361	NUM
fsr-4050	600	18	.	.	PUNCT
fsr-4050	601	1	ouma	ouma	PROPN
fsr-4050	601	2	,	,	PUNCT
fsr-4050	601	3	s.	s.	PROPN
fsr-4050	601	4	a.	a.	PROPN
fsr-4050	601	5	,	,	PUNCT
fsr-4050	601	6	odongo	odongo	NOUN
fsr-4050	601	7	,	,	PUNCT
fsr-4050	601	8	t.	t.	NOUN
fsr-4050	601	9	m.	m.	NOUN
fsr-4050	601	10	,	,	PUNCT
fsr-4050	601	11	&	&	CCONJ
fsr-4050	601	12	were	be	AUX
fsr-4050	601	13	,	,	PUNCT
fsr-4050	601	14	m.	m.	NOUN
fsr-4050	601	15	(	(	PUNCT
fsr-4050	601	16	2017	2017	NUM
fsr-4050	601	17	)	)	PUNCT
fsr-4050	601	18	.	.	PUNCT
fsr-4050	602	1	mobile	mobile	ADJ
fsr-4050	602	2	financial	financial	ADJ
fsr-4050	602	3	services	service	NOUN
fsr-4050	602	4	and	and	CCONJ
fsr-4050	602	5	financial	financial	ADJ
fsr-4050	602	6	inclusion	inclusion	NOUN
fsr-4050	602	7	:	:	PUNCT
fsr-4050	602	8	is	be	AUX
fsr-4050	602	9	it	it	PRON
fsr-4050	602	10	a	a	DET
fsr-4050	602	11	boon	boon	NOUN
fsr-4050	602	12	for	for	ADP
fsr-4050	602	13	savings	saving	NOUN
fsr-4050	602	14	mobilization	mobilization	NOUN
fsr-4050	602	15	?	?	PUNCT
fsr-4050	602	16	.	.	PUNCT
fsr-4050	603	1	review	review	NOUN
fsr-4050	603	2	of	of	ADP
fsr-4050	603	3	development	development	NOUN
fsr-4050	603	4	finance	finance	NOUN
fsr-4050	603	5	,	,	PUNCT
fsr-4050	603	6	7(1	7(1	NUM
fsr-4050	603	7	)	)	PUNCT
fsr-4050	603	8	,	,	PUNCT
fsr-4050	603	9	29	29	NUM
fsr-4050	603	10	-	-	SYM
fsr-4050	603	11	35	35	NUM
fsr-4050	603	12	.	.	PUNCT
fsr-4050	604	1	https://doi.org/10.1016/j.rdf.2017.01.001	https://doi.org/10.1016/j.rdf.2017.01.001	PROPN
fsr-4050	604	2	paramita	paramita	PROPN
fsr-4050	604	3	,	,	PUNCT
fsr-4050	604	4	r.	r.	PROPN
fsr-4050	604	5	s.	s.	PROPN
fsr-4050	604	6	,	,	PUNCT
fsr-4050	604	7	isbanah	isbanah	PROPN
fsr-4050	604	8	,	,	PUNCT
fsr-4050	604	9	y.	y.	PROPN
fsr-4050	604	10	,	,	PUNCT
fsr-4050	604	11	kusumaningrum	kusumaningrum	PROPN
fsr-4050	604	12	,	,	PUNCT
fsr-4050	604	13	t.	t.	NOUN
fsr-4050	604	14	m.	m.	NOUN
fsr-4050	604	15	,	,	PUNCT
fsr-4050	604	16	musdholifah	musdholifah	NOUN
fsr-4050	604	17	,	,	PUNCT
fsr-4050	604	18	m.	m.	NOUN
fsr-4050	604	19	,	,	PUNCT
fsr-4050	604	20	&	&	CCONJ
fsr-4050	604	21	hartono	hartono	PROPN
fsr-4050	604	22	,	,	PUNCT
fsr-4050	604	23	u.	u.	PROPN
fsr-4050	604	24	(	(	PUNCT
fsr-4050	604	25	2018	2018	NUM
fsr-4050	604	26	)	)	PUNCT
fsr-4050	604	27	.	.	PUNCT
fsr-4050	605	1	young	young	ADJ
fsr-4050	605	2	investor	investor	NOUN
fsr-4050	605	3	behavior	behavior	NOUN
fsr-4050	605	4	:	:	PUNCT
fsr-4050	605	5	implementation	implementation	NOUN
fsr-4050	605	6	theory	theory	NOUN
fsr-4050	605	7	of	of	ADP
fsr-4050	605	8	planned	plan	VERB
fsr-4050	605	9	behavior	behavior	NOUN
fsr-4050	605	10	.	.	PUNCT
fsr-4050	606	1	international	international	ADJ
fsr-4050	606	2	journal	journal	NOUN
fsr-4050	606	3	of	of	ADP
fsr-4050	606	4	civil	civil	ADJ
fsr-4050	606	5	engineering	engineering	NOUN
fsr-4050	606	6	and	and	CCONJ
fsr-4050	606	7	technology	technology	NOUN
fsr-4050	606	8	,	,	PUNCT
fsr-4050	606	9	9(7	9(7	NUM
fsr-4050	606	10	)	)	PUNCT
fsr-4050	606	11	,	,	PUNCT
fsr-4050	606	12	733	733	NUM
fsr-4050	606	13	-	-	SYM
fsr-4050	606	14	746	746	NUM
fsr-4050	606	15	.	.	PUNCT
fsr-4050	607	1	peiris	peiris	NOUN
fsr-4050	607	2	,	,	PUNCT
fsr-4050	607	3	t.	t.	PROPN
fsr-4050	607	4	u.	u.	PROPN
fsr-4050	607	5	i.	i.	PROPN
fsr-4050	607	6	(	(	PUNCT
fsr-4050	607	7	2021	2021	NUM
fsr-4050	607	8	)	)	PUNCT
fsr-4050	607	9	.	.	PUNCT
fsr-4050	608	1	effect	effect	NOUN
fsr-4050	608	2	of	of	ADP
fsr-4050	608	3	financial	financial	ADJ
fsr-4050	608	4	literacy	literacy	NOUN
fsr-4050	608	5	on	on	ADP
fsr-4050	608	6	individual	individual	ADJ
fsr-4050	608	7	savings	saving	NOUN
fsr-4050	608	8	behavior	behavior	NOUN
fsr-4050	608	9	;	;	PUNCT
fsr-4050	608	10	the	the	DET
fsr-4050	608	11	mediation	mediation	NOUN
fsr-4050	608	12	role	role	NOUN
fsr-4050	608	13	of	of	ADP
fsr-4050	608	14	intention	intention	NOUN
fsr-4050	608	15	to	to	ADP
fsr-4050	608	16	saving	save	VERB
fsr-4050	608	17	.	.	PUNCT
fsr-4050	609	1	european	european	PROPN
fsr-4050	609	2	journal	journal	PROPN
fsr-4050	609	3	of	of	ADP
fsr-4050	609	4	business	business	NOUN
fsr-4050	609	5	and	and	CCONJ
fsr-4050	609	6	management	management	NOUN
fsr-4050	609	7	research	research	NOUN
fsr-4050	609	8	,	,	PUNCT
fsr-4050	609	9	6(5	6(5	NUM
fsr-4050	609	10	)	)	PUNCT
fsr-4050	609	11	,	,	PUNCT
fsr-4050	609	12	94	94	NUM
fsr-4050	609	13	-	-	SYM
fsr-4050	609	14	99	99	NUM
fsr-4050	609	15	.	.	PUNCT
fsr-4050	610	1	http://dx.doi.org/10.24018/ejbmr.2021.6	http://dx.doi.org/10.24018/ejbmr.2021.6	NOUN
fsr-4050	610	2	risman	risman	PROPN
fsr-4050	610	3	,	,	PUNCT
fsr-4050	610	4	a.	a.	PROPN
fsr-4050	610	5	,	,	PUNCT
fsr-4050	610	6	ali	ali	PROPN
fsr-4050	610	7	,	,	PUNCT
fsr-4050	610	8	a.	a.	PROPN
fsr-4050	610	9	j.	j.	PROPN
fsr-4050	610	10	,	,	PUNCT
fsr-4050	610	11	soelton	soelton	PROPN
fsr-4050	610	12	,	,	PUNCT
fsr-4050	610	13	m.	m.	NOUN
fsr-4050	610	14	,	,	PUNCT
fsr-4050	610	15	&	&	CCONJ
fsr-4050	610	16	siswanti	siswanti	PROPN
fsr-4050	610	17	,	,	PUNCT
fsr-4050	610	18	i.	i.	PROPN
fsr-4050	610	19	(	(	PUNCT
fsr-4050	610	20	2022	2022	NUM
fsr-4050	610	21	)	)	PUNCT
fsr-4050	610	22	.	.	PUNCT
fsr-4050	611	1	the	the	DET
fsr-4050	611	2	behavioral	behavioral	ADJ
fsr-4050	611	3	finance	finance	NOUN
fsr-4050	611	4	of	of	ADP
fsr-4050	611	5	msmes	msme	NOUN
fsr-4050	611	6	in	in	ADP
fsr-4050	611	7	the	the	DET
fsr-4050	611	8	advancement	advancement	NOUN
fsr-4050	611	9	of	of	ADP
fsr-4050	611	10	financial	financial	ADJ
fsr-4050	611	11	inclusion	inclusion	NOUN
fsr-4050	611	12	and	and	CCONJ
fsr-4050	611	13	financial	financial	ADJ
fsr-4050	611	14	technology	technology	NOUN
fsr-4050	611	15	(	(	PUNCT
fsr-4050	611	16	fintech	fintech	NOUN
fsr-4050	611	17	)	)	PUNCT
fsr-4050	611	18	.	.	PUNCT
fsr-4050	612	1	the	the	DET
fsr-4050	612	2	indonesian	indonesian	ADJ
fsr-4050	612	3	accounting	accounting	PROPN
fsr-4050	612	4	review	review	PROPN
fsr-4050	612	5	,	,	PUNCT
fsr-4050	612	6	13(1	13(1	NUM
fsr-4050	612	7	)	)	PUNCT
fsr-4050	612	8	,	,	PUNCT
fsr-4050	612	9	91101	91101	NUM
fsr-4050	612	10	.	.	PUNCT
fsr-4050	613	1	https://doi.org/10.14414/tiar.v13i1.3213	https://doi.org/10.14414/tiar.v13i1.3213	X
fsr-4050	613	2	ruel	ruel	PROPN
fsr-4050	613	3	,	,	PUNCT
fsr-4050	613	4	e.	e.	PROPN
fsr-4050	613	5	,	,	PUNCT
fsr-4050	613	6	wagner	wagner	PROPN
fsr-4050	613	7	iii	iii	PROPN
fsr-4050	613	8	,	,	PUNCT
fsr-4050	613	9	w.	w.	PROPN
fsr-4050	613	10	e.	e.	PROPN
fsr-4050	613	11	,	,	PUNCT
fsr-4050	613	12	&	&	CCONJ
fsr-4050	613	13	gillespie	gillespie	PROPN
fsr-4050	613	14	,	,	PUNCT
fsr-4050	613	15	b.	b.	PROPN
fsr-4050	613	16	j.	j.	PROPN
fsr-4050	613	17	(	(	PUNCT
fsr-4050	613	18	2015	2015	NUM
fsr-4050	613	19	)	)	PUNCT
fsr-4050	613	20	.	.	PUNCT
fsr-4050	614	1	the	the	DET
fsr-4050	614	2	practice	practice	NOUN
fsr-4050	614	3	of	of	ADP
fsr-4050	614	4	survey	survey	NOUN
fsr-4050	614	5	research	research	NOUN
fsr-4050	614	6	:	:	PUNCT
fsr-4050	614	7	theory	theory	NOUN
fsr-4050	614	8	and	and	CCONJ
fsr-4050	614	9	applications	application	NOUN
fsr-4050	614	10	.	.	PUNCT
fsr-4050	615	1	sage	sage	NOUN
fsr-4050	615	2	publications	publication	NOUN
fsr-4050	615	3	.	.	PUNCT
fsr-4050	616	1	safitri	safitri	ADJ
fsr-4050	616	2	,	,	PUNCT
fsr-4050	616	3	y.	y.	PROPN
fsr-4050	616	4	,	,	PUNCT
fsr-4050	616	5	luthfia	luthfia	PROPN
fsr-4050	616	6	,	,	PUNCT
fsr-4050	616	7	a.	a.	NOUN
fsr-4050	616	8	,	,	PUNCT
fsr-4050	616	9	&	&	CCONJ
fsr-4050	616	10	ramadanty	ramadanty	PROPN
fsr-4050	616	11	,	,	PUNCT
fsr-4050	616	12	s.	s.	PROPN
fsr-4050	616	13	(	(	PUNCT
fsr-4050	616	14	2021	2021	NUM
fsr-4050	616	15	)	)	PUNCT
fsr-4050	616	16	.	.	PUNCT
fsr-4050	617	1	social	social	ADJ
fsr-4050	617	2	media	medium	NOUN
fsr-4050	617	3	influencer	influencer	NOUN
fsr-4050	617	4	credibility	credibility	NOUN
fsr-4050	617	5	and	and	CCONJ
fsr-4050	617	6	social	social	ADJ
fsr-4050	617	7	influence	influence	NOUN
fsr-4050	617	8	on	on	ADP
fsr-4050	617	9	intention	intention	NOUN
fsr-4050	617	10	to	to	PART
fsr-4050	617	11	use	use	VERB
fsr-4050	617	12	fintech	fintech	NOUN
fsr-4050	617	13	in	in	ADP
fsr-4050	617	14	indonesia	indonesia	PROPN
fsr-4050	617	15	.	.	PUNCT
fsr-4050	618	1	proceedings	proceeding	NOUN
fsr-4050	618	2	of	of	ADP
fsr-4050	618	3	the	the	DET
fsr-4050	618	4	2nd	2nd	ADJ
fsr-4050	618	5	international	international	ADJ
fsr-4050	618	6	conference	conference	NOUN
fsr-4050	618	7	on	on	ADP
fsr-4050	618	8	interdisciplinary	interdisciplinary	ADJ
fsr-4050	618	9	arts	art	NOUN
fsr-4050	618	10	&	&	CCONJ
fsr-4050	618	11	humanities	humanity	NOUN
fsr-4050	618	12	(	(	PUNCT
fsr-4050	618	13	iconarties	iconartie	NOUN
fsr-4050	618	14	)	)	PUNCT
fsr-4050	618	15	.	.	PUNCT
fsr-4050	619	1	263	263	NUM
fsr-4050	619	2	-	-	SYM
fsr-4050	619	3	269	269	NUM
fsr-4050	619	4	.	.	PUNCT
fsr-4050	619	5	https://dx.doi.org/10.2139/ssrn.3800662	https://dx.doi.org/10.2139/ssrn.3800662	PUNCT
fsr-4050	619	6	samartha	samartha	ADJ
fsr-4050	619	7	,	,	PUNCT
fsr-4050	619	8	v.	v.	ADV
fsr-4050	619	9	,	,	PUNCT
fsr-4050	619	10	shenoy	shenoy	PROPN
fsr-4050	619	11	basthikar	basthikar	PROPN
fsr-4050	619	12	,	,	PUNCT
fsr-4050	619	13	s.	s.	PROPN
fsr-4050	619	14	,	,	PUNCT
fsr-4050	619	15	hawaldar	hawaldar	PROPN
fsr-4050	619	16	,	,	PUNCT
fsr-4050	619	17	i.	i.	PROPN
fsr-4050	619	18	t.	t.	PROPN
fsr-4050	619	19	,	,	PUNCT
fsr-4050	619	20	spulbar	spulbar	NOUN
fsr-4050	619	21	,	,	PUNCT
fsr-4050	619	22	c.	c.	NOUN
fsr-4050	619	23	,	,	PUNCT
fsr-4050	619	24	birau	birau	PROPN
fsr-4050	619	25	,	,	PUNCT
fsr-4050	619	26	r.	r.	PROPN
fsr-4050	619	27	,	,	PUNCT
fsr-4050	619	28	&	&	CCONJ
fsr-4050	619	29	filip	filip	PROPN
fsr-4050	619	30	,	,	PUNCT
fsr-4050	619	31	r.	r.	PROPN
fsr-4050	619	32	d.	d.	PROPN
fsr-4050	619	33	(	(	PUNCT
fsr-4050	619	34	2022	2022	NUM
fsr-4050	619	35	)	)	PUNCT
fsr-4050	619	36	.	.	PUNCT
fsr-4050	620	1	a	a	DET
fsr-4050	620	2	study	study	NOUN
fsr-4050	620	3	on	on	ADP
fsr-4050	620	4	the	the	DET
fsr-4050	620	5	acceptance	acceptance	NOUN
fsr-4050	620	6	of	of	ADP
fsr-4050	620	7	mobile	mobile	ADJ
fsr-4050	620	8	-	-	PUNCT
fsr-4050	620	9	banking	banking	NOUN
fsr-4050	620	10	https://doi.org/10.4018/978-1-7998-7603-8.ch001	https://doi.org/10.4018/978-1-7998-7603-8.ch001	NOUN
fsr-4050	620	11	https://doi.org/10.4018/978-1-7998-7603-8.ch001	https://doi.org/10.4018/978-1-7998-7603-8.ch001	NOUN
fsr-4050	620	12	financial	financial	ADJ
fsr-4050	620	13	services	service	NOUN
fsr-4050	620	14	review	review	NOUN
fsr-4050	620	15	,	,	PUNCT
fsr-4050	620	16	33(3	33(3	NOUN
fsr-4050	620	17	)	)	PUNCT
fsr-4050	620	18	44	44	NUM
fsr-4050	620	19	applications	application	NOUN
fsr-4050	620	20	in	in	ADP
fsr-4050	620	21	india	india	PROPN
fsr-4050	620	22	—	—	PUNCT
fsr-4050	620	23	unified	unified	ADJ
fsr-4050	620	24	theory	theory	NOUN
fsr-4050	620	25	of	of	ADP
fsr-4050	620	26	acceptance	acceptance	NOUN
fsr-4050	620	27	and	and	CCONJ
fsr-4050	620	28	sustainable	sustainable	ADJ
fsr-4050	620	29	use	use	NOUN
fsr-4050	620	30	of	of	ADP
fsr-4050	620	31	technology	technology	NOUN
fsr-4050	620	32	model	model	NOUN
fsr-4050	620	33	(	(	PUNCT
fsr-4050	620	34	utaut	utaut	NOUN
fsr-4050	620	35	)	)	PUNCT
fsr-4050	620	36	.	.	PUNCT
fsr-4050	621	1	sustainability	sustainability	NOUN
fsr-4050	621	2	,	,	PUNCT
fsr-4050	621	3	14(21	14(21	NUM
fsr-4050	621	4	)	)	PUNCT
fsr-4050	621	5	,	,	PUNCT
fsr-4050	621	6	14506	14506	NUM
fsr-4050	621	7	.	.	PUNCT
fsr-4050	622	1	https://doi.org/10.3390/su142114506	https://doi.org/10.3390/su142114506	PROPN
fsr-4050	622	2	sandrine	sandrine	PROPN
fsr-4050	622	3	,	,	PUNCT
fsr-4050	622	4	p.	p.	PROPN
fsr-4050	622	5	t.	t.	PROPN
fsr-4050	622	6	,	,	PUNCT
fsr-4050	622	7	perrine	perrine	PROPN
fsr-4050	622	8	,	,	PUNCT
fsr-4050	622	9	r.	r.	PROPN
fsr-4050	622	10	,	,	PUNCT
fsr-4050	622	11	&	&	CCONJ
fsr-4050	622	12	alexandra	alexandra	PROPN
fsr-4050	622	13	,	,	PUNCT
fsr-4050	622	14	n.	n.	NOUN
fsr-4050	622	15	(	(	PUNCT
fsr-4050	622	16	2019	2019	NUM
fsr-4050	622	17	)	)	PUNCT
fsr-4050	622	18	.	.	PUNCT
fsr-4050	623	1	service	service	NOUN
fsr-4050	623	2	:	:	PUNCT
fsr-4050	623	3	a	a	DET
fsr-4050	623	4	case	case	NOUN
fsr-4050	623	5	study	study	NOUN
fsr-4050	623	6	with	with	ADP
fsr-4050	623	7	a	a	DET
fsr-4050	623	8	bank	bank	NOUN
fsr-4050	623	9	savings	saving	NOUN
fsr-4050	623	10	mobile	mobile	NOUN
fsr-4050	623	11	application	application	NOUN
fsr-4050	623	12	.	.	PUNCT
fsr-4050	624	1	intelligent	intelligent	ADJ
fsr-4050	624	2	system	system	NOUN
fsr-4050	624	3	and	and	CCONJ
fsr-4050	624	4	computing	computing	NOUN
fsr-4050	624	5	,	,	PUNCT
fsr-4050	624	6	273	273	NUM
fsr-4050	624	7	-	-	SYM
fsr-4050	624	8	281	281	NUM
fsr-4050	624	9	.	.	PUNCT
fsr-4050	625	1	http://dx.doi.org/10.5772/intechopen.89542	http://dx.doi.org/10.5772/intechopen.89542	VERB
fsr-4050	625	2	satsios	satsio	NOUN
fsr-4050	625	3	,	,	PUNCT
fsr-4050	625	4	n.	n.	NOUN
fsr-4050	625	5	,	,	PUNCT
fsr-4050	625	6	&	&	CCONJ
fsr-4050	625	7	hadjidakis	hadjidakis	PROPN
fsr-4050	625	8	,	,	PUNCT
fsr-4050	625	9	s.	s.	PROPN
fsr-4050	625	10	(	(	PUNCT
fsr-4050	625	11	2018	2018	NUM
fsr-4050	625	12	)	)	PUNCT
fsr-4050	625	13	.	.	PUNCT
fsr-4050	626	1	applying	apply	VERB
fsr-4050	626	2	the	the	DET
fsr-4050	626	3	theory	theory	NOUN
fsr-4050	626	4	of	of	ADP
fsr-4050	626	5	planned	plan	VERB
fsr-4050	626	6	behaviour	behaviour	NOUN
fsr-4050	626	7	(	(	PUNCT
fsr-4050	626	8	tpb	tpb	NOUN
fsr-4050	626	9	)	)	PUNCT
fsr-4050	626	10	in	in	ADP
fsr-4050	626	11	saving	save	VERB
fsr-4050	626	12	behaviour	behaviour	NOUN
fsr-4050	626	13	of	of	ADP
fsr-4050	626	14	pomak	pomak	PROPN
fsr-4050	626	15	households	household	NOUN
fsr-4050	626	16	.	.	PUNCT
fsr-4050	627	1	international	international	ADJ
fsr-4050	627	2	journal	journal	PROPN
fsr-4050	627	3	of	of	ADP
fsr-4050	627	4	financial	financial	ADJ
fsr-4050	627	5	research	research	NOUN
fsr-4050	627	6	,	,	PUNCT
fsr-4050	627	7	9(2	9(2	NUM
fsr-4050	627	8	)	)	PUNCT
fsr-4050	627	9	,	,	PUNCT
fsr-4050	627	10	122	122	NUM
fsr-4050	627	11	-	-	SYM
fsr-4050	627	12	133	133	NUM
fsr-4050	627	13	.	.	PUNCT
fsr-4050	628	1	https://doi.org/10.5430/ijfr.v9n2p122	https://doi.org/10.5430/ijfr.v9n2p122	PROPN
fsr-4050	628	2	satsios	satsio	NOUN
fsr-4050	628	3	,	,	PUNCT
fsr-4050	628	4	n.	n.	NOUN
fsr-4050	628	5	,	,	PUNCT
fsr-4050	628	6	karamanis	karamanis	PROPN
fsr-4050	628	7	,	,	PUNCT
fsr-4050	628	8	k.	k.	PROPN
fsr-4050	628	9	,	,	PUNCT
fsr-4050	628	10	galanou	galanou	NOUN
fsr-4050	628	11	,	,	PUNCT
fsr-4050	628	12	a.	a.	NOUN
fsr-4050	628	13	,	,	PUNCT
fsr-4050	628	14	&	&	CCONJ
fsr-4050	628	15	sotiropoulos	sotiropoulo	NOUN
fsr-4050	628	16	,	,	PUNCT
fsr-4050	628	17	i.	i.	NOUN
fsr-4050	628	18	(	(	PUNCT
fsr-4050	628	19	2020	2020	NUM
fsr-4050	628	20	)	)	PUNCT
fsr-4050	628	21	.	.	PUNCT
fsr-4050	629	1	saving	save	VERB
fsr-4050	629	2	motives	motive	NOUN
fsr-4050	629	3	and	and	CCONJ
fsr-4050	629	4	intention	intention	NOUN
fsr-4050	629	5	towards	towards	ADP
fsr-4050	629	6	saving	save	VERB
fsr-4050	629	7	of	of	ADP
fsr-4050	629	8	bulgarian	bulgarian	ADJ
fsr-4050	629	9	pomaks	pomak	NOUN
fsr-4050	629	10	.	.	PUNCT
fsr-4050	630	1	international	international	ADJ
fsr-4050	630	2	journal	journal	PROPN
fsr-4050	630	3	of	of	ADP
fsr-4050	630	4	economics	economic	NOUN
fsr-4050	630	5	and	and	CCONJ
fsr-4050	630	6	financial	financial	ADJ
fsr-4050	630	7	issues	issue	NOUN
fsr-4050	630	8	,	,	PUNCT
fsr-4050	630	9	10(3	10(3	NUM
fsr-4050	630	10	)	)	PUNCT
fsr-4050	630	11	,	,	PUNCT
fsr-4050	630	12	97	97	NUM
fsr-4050	630	13	.	.	PUNCT
fsr-4050	630	14	https://doi.org/10.32479/ijefi.9633	https://doi.org/10.32479/ijefi.9633	ADJ
fsr-4050	630	15	schueffel	schueffel	NOUN
fsr-4050	630	16	,	,	PUNCT
fsr-4050	630	17	p.	p.	NOUN
fsr-4050	630	18	(	(	PUNCT
fsr-4050	630	19	2016	2016	NUM
fsr-4050	630	20	)	)	PUNCT
fsr-4050	630	21	.	.	PUNCT
fsr-4050	631	1	taming	tame	VERB
fsr-4050	631	2	the	the	DET
fsr-4050	631	3	beast	beast	NOUN
fsr-4050	631	4	:	:	PUNCT
fsr-4050	631	5	a	a	DET
fsr-4050	631	6	scientific	scientific	ADJ
fsr-4050	631	7	definition	definition	NOUN
fsr-4050	631	8	of	of	ADP
fsr-4050	631	9	fintech	fintech	NOUN
fsr-4050	631	10	.	.	PUNCT
fsr-4050	632	1	journal	journal	PROPN
fsr-4050	632	2	of	of	ADP
fsr-4050	632	3	innovation	innovation	NOUN
fsr-4050	632	4	management	management	NOUN
fsr-4050	632	5	,	,	PUNCT
fsr-4050	632	6	4(4	4(4	NUM
fsr-4050	632	7	)	)	PUNCT
fsr-4050	632	8	,	,	PUNCT
fsr-4050	632	9	32	32	NUM
fsr-4050	632	10	-	-	SYM
fsr-4050	632	11	54	54	NUM
fsr-4050	632	12	.	.	PUNCT
fsr-4050	633	1	https://doi.org/10.24840/21830606_004.004_0004	https://doi.org/10.24840/21830606_004.004_0004	PROPN
fsr-4050	633	2	setiawan	setiawan	PROPN
fsr-4050	633	3	,	,	PUNCT
fsr-4050	633	4	m.	m.	NOUN
fsr-4050	633	5	,	,	PUNCT
fsr-4050	633	6	effendi	effendi	X
fsr-4050	633	7	,	,	PUNCT
fsr-4050	633	8	n.	n.	NOUN
fsr-4050	633	9	,	,	PUNCT
fsr-4050	633	10	santoso	santoso	NOUN
fsr-4050	633	11	,	,	PUNCT
fsr-4050	633	12	t.	t.	PROPN
fsr-4050	633	13	,	,	PUNCT
fsr-4050	633	14	dewi	dewi	PROPN
fsr-4050	633	15	,	,	PUNCT
fsr-4050	633	16	v.	v.	PROPN
fsr-4050	633	17	i.	i.	PROPN
fsr-4050	633	18	,	,	PUNCT
fsr-4050	633	19	&	&	CCONJ
fsr-4050	633	20	sapulette	sapulette	PROPN
fsr-4050	633	21	,	,	PUNCT
fsr-4050	633	22	m.	m.	NOUN
fsr-4050	633	23	s.	s.	PROPN
fsr-4050	633	24	(	(	PUNCT
fsr-4050	633	25	2022	2022	NUM
fsr-4050	633	26	)	)	PUNCT
fsr-4050	633	27	.	.	PUNCT
fsr-4050	634	1	digital	digital	ADJ
fsr-4050	634	2	financial	financial	ADJ
fsr-4050	634	3	literacy	literacy	NOUN
fsr-4050	634	4	,	,	PUNCT
fsr-4050	634	5	current	current	ADJ
fsr-4050	634	6	behavior	behavior	NOUN
fsr-4050	634	7	of	of	ADP
fsr-4050	634	8	saving	saving	NOUN
fsr-4050	634	9	and	and	CCONJ
fsr-4050	634	10	spending	spending	NOUN
fsr-4050	634	11	and	and	CCONJ
fsr-4050	634	12	its	its	PRON
fsr-4050	634	13	future	future	ADJ
fsr-4050	634	14	foresight	foresight	NOUN
fsr-4050	634	15	.	.	PUNCT
fsr-4050	635	1	economics	economic	NOUN
fsr-4050	635	2	of	of	ADP
fsr-4050	635	3	innovation	innovation	NOUN
fsr-4050	635	4	and	and	CCONJ
fsr-4050	635	5	new	new	ADJ
fsr-4050	635	6	technology	technology	NOUN
fsr-4050	635	7	,	,	PUNCT
fsr-4050	635	8	31(4	31(4	NUM
fsr-4050	635	9	)	)	PUNCT
fsr-4050	635	10	,	,	PUNCT
fsr-4050	635	11	320	320	NUM
fsr-4050	635	12	-	-	SYM
fsr-4050	635	13	338	338	NUM
fsr-4050	635	14	.	.	PUNCT
fsr-4050	636	1	https://doi.org/10.1080/10438599.2020.1799	https://doi.org/10.1080/10438599.2020.1799	PROPN
fsr-4050	636	2	142	142	NUM
fsr-4050	636	3	sharif	sharif	PROPN
fsr-4050	636	4	,	,	PUNCT
fsr-4050	636	5	s.	s.	PROPN
fsr-4050	636	6	p.	p.	PROPN
fsr-4050	636	7	,	,	PUNCT
fsr-4050	636	8	&	&	CCONJ
fsr-4050	636	9	naghavi	naghavi	PROPN
fsr-4050	636	10	,	,	PUNCT
fsr-4050	636	11	n.	n.	NOUN
fsr-4050	636	12	(	(	PUNCT
fsr-4050	636	13	2021	2021	NUM
fsr-4050	636	14	)	)	PUNCT
fsr-4050	636	15	.	.	PUNCT
fsr-4050	637	1	online	online	ADJ
fsr-4050	637	2	financial	financial	ADJ
fsr-4050	637	3	trading	trading	NOUN
fsr-4050	637	4	among	among	ADP
fsr-4050	637	5	young	young	ADJ
fsr-4050	637	6	adults	adult	NOUN
fsr-4050	637	7	:	:	PUNCT
fsr-4050	637	8	integrating	integrate	VERB
fsr-4050	637	9	the	the	DET
fsr-4050	637	10	theory	theory	NOUN
fsr-4050	637	11	of	of	ADP
fsr-4050	637	12	planned	plan	VERB
fsr-4050	637	13	behavior	behavior	NOUN
fsr-4050	637	14	,	,	PUNCT
fsr-4050	637	15	technology	technology	NOUN
fsr-4050	637	16	acceptance	acceptance	NOUN
fsr-4050	637	17	model	model	NOUN
fsr-4050	637	18	,	,	PUNCT
fsr-4050	637	19	and	and	CCONJ
fsr-4050	637	20	theory	theory	NOUN
fsr-4050	637	21	of	of	ADP
fsr-4050	637	22	flow	flow	NOUN
fsr-4050	637	23	.	.	PUNCT
fsr-4050	638	1	international	international	ADJ
fsr-4050	638	2	journal	journal	PROPN
fsr-4050	638	3	of	of	ADP
fsr-4050	638	4	human	human	ADJ
fsr-4050	638	5	-	-	PUNCT
fsr-4050	638	6	computer	computer	NOUN
fsr-4050	638	7	interaction	interaction	NOUN
fsr-4050	638	8	,	,	PUNCT
fsr-4050	638	9	37(10	37(10	NUM
fsr-4050	638	10	)	)	PUNCT
fsr-4050	638	11	,	,	PUNCT
fsr-4050	638	12	949	949	NUM
fsr-4050	638	13	-	-	SYM
fsr-4050	638	14	962	962	NUM
fsr-4050	638	15	.	.	PUNCT
fsr-4050	639	1	https://doi.org/10.1080/10447318.2020.1861	https://doi.org/10.1080/10447318.2020.1861	NOUN
fsr-4050	639	2	761	761	NUM
fsr-4050	639	3	shefrin	shefrin	NOUN
fsr-4050	639	4	,	,	PUNCT
fsr-4050	639	5	h.	h.	PROPN
fsr-4050	639	6	m.	m.	PROPN
fsr-4050	639	7	,	,	PUNCT
fsr-4050	639	8	&	&	CCONJ
fsr-4050	639	9	thaler	thaler	PROPN
fsr-4050	639	10	,	,	PUNCT
fsr-4050	639	11	r.	r.	PROPN
fsr-4050	639	12	h.	h.	PROPN
fsr-4050	639	13	(	(	PUNCT
fsr-4050	639	14	1988	1988	NUM
fsr-4050	639	15	)	)	PUNCT
fsr-4050	639	16	.	.	PUNCT
fsr-4050	640	1	the	the	DET
fsr-4050	640	2	behavioral	behavioral	ADJ
fsr-4050	640	3	life‐cycle	life‐cycle	PROPN
fsr-4050	640	4	hypothesis	hypothesis	NOUN
fsr-4050	640	5	.	.	PUNCT
fsr-4050	641	1	economic	economic	ADJ
fsr-4050	641	2	inquiry	inquiry	NOUN
fsr-4050	641	3	,	,	PUNCT
fsr-4050	641	4	26(4	26(4	NUM
fsr-4050	641	5	)	)	PUNCT
fsr-4050	641	6	,	,	PUNCT
fsr-4050	641	7	609	609	NUM
fsr-4050	641	8	-	-	SYM
fsr-4050	641	9	643	643	NUM
fsr-4050	641	10	.	.	PUNCT
fsr-4050	641	11	https://doi.org/10.1111/j.14657295.1988.tb01520.x	https://doi.org/10.1111/j.14657295.1988.tb01520.x	PUNCT
fsr-4050	641	12	shih	shih	NOUN
fsr-4050	641	13	,	,	PUNCT
fsr-4050	641	14	y.	y.	PROPN
fsr-4050	641	15	y.	y.	PROPN
fsr-4050	641	16	,	,	PUNCT
fsr-4050	641	17	&	&	CCONJ
fsr-4050	641	18	fang	fang	X
fsr-4050	641	19	,	,	PUNCT
fsr-4050	641	20	k.	k.	PROPN
fsr-4050	641	21	(	(	PUNCT
fsr-4050	641	22	2004	2004	NUM
fsr-4050	641	23	)	)	PUNCT
fsr-4050	641	24	.	.	PUNCT
fsr-4050	642	1	the	the	DET
fsr-4050	642	2	use	use	NOUN
fsr-4050	642	3	of	of	ADP
fsr-4050	642	4	a	a	DET
fsr-4050	642	5	decomposed	decompose	VERB
fsr-4050	642	6	theory	theory	NOUN
fsr-4050	642	7	of	of	ADP
fsr-4050	642	8	planned	plan	VERB
fsr-4050	642	9	behavior	behavior	NOUN
fsr-4050	642	10	to	to	PART
fsr-4050	642	11	study	study	VERB
fsr-4050	642	12	internet	internet	NOUN
fsr-4050	642	13	banking	banking	NOUN
fsr-4050	642	14	in	in	ADP
fsr-4050	642	15	taiwan	taiwan	PROPN
fsr-4050	642	16	.	.	PUNCT
fsr-4050	643	1	internet	internet	NOUN
fsr-4050	643	2	research	research	NOUN
fsr-4050	643	3	,	,	PUNCT
fsr-4050	643	4	14(3	14(3	NUM
fsr-4050	643	5	)	)	PUNCT
fsr-4050	643	6	,	,	PUNCT
fsr-4050	643	7	213	213	NUM
fsr-4050	643	8	-	-	SYM
fsr-4050	643	9	223	223	NUM
fsr-4050	643	10	.	.	PUNCT
fsr-4050	644	1	http://doi.org/10.1108/10662240410542643	http://doi.org/10.1108/10662240410542643	X
fsr-4050	645	1	singh	singh	PROPN
fsr-4050	645	2	,	,	PUNCT
fsr-4050	645	3	s.	s.	PROPN
fsr-4050	645	4	,	,	PUNCT
fsr-4050	645	5	sahni	sahni	PROPN
fsr-4050	645	6	,	,	PUNCT
fsr-4050	645	7	m.	m.	NOUN
fsr-4050	645	8	m.	m.	NOUN
fsr-4050	645	9	,	,	PUNCT
fsr-4050	645	10	&	&	CCONJ
fsr-4050	645	11	kovid	kovid	PROPN
fsr-4050	645	12	,	,	PUNCT
fsr-4050	645	13	r.	r.	PROPN
fsr-4050	645	14	k.	k.	PROPN
fsr-4050	645	15	(	(	PUNCT
fsr-4050	645	16	2020	2020	NUM
fsr-4050	645	17	)	)	PUNCT
fsr-4050	645	18	.	.	PUNCT
fsr-4050	646	1	what	what	PRON
fsr-4050	646	2	drives	drive	VERB
fsr-4050	646	3	fintech	fintech	NOUN
fsr-4050	646	4	adoption	adoption	NOUN
fsr-4050	646	5	?	?	PUNCT
fsr-4050	647	1	a	a	DET
fsr-4050	647	2	multi	multi	ADJ
fsr-4050	647	3	-	-	ADJ
fsr-4050	647	4	method	method	ADJ
fsr-4050	647	5	evaluation	evaluation	NOUN
fsr-4050	647	6	using	use	VERB
fsr-4050	647	7	an	an	DET
fsr-4050	647	8	adapted	adapt	VERB
fsr-4050	647	9	technology	technology	NOUN
fsr-4050	647	10	acceptance	acceptance	NOUN
fsr-4050	647	11	model	model	NOUN
fsr-4050	647	12	.	.	PUNCT
fsr-4050	648	1	management	management	NOUN
fsr-4050	648	2	decision	decision	NOUN
fsr-4050	648	3	,	,	PUNCT
fsr-4050	648	4	58(8	58(8	NUM
fsr-4050	648	5	)	)	PUNCT
fsr-4050	648	6	,	,	PUNCT
fsr-4050	648	7	1675	1675	NUM
fsr-4050	648	8	-	-	SYM
fsr-4050	648	9	1697	1697	NUM
fsr-4050	648	10	.	.	PUNCT
fsr-4050	649	1	https://doi.org/10.1108/md-09-2019-1318	https://doi.org/10.1108/md-09-2019-1318	PROPN
fsr-4050	649	2	skinner	skinner	PROPN
fsr-4050	649	3	,	,	PUNCT
fsr-4050	649	4	j.	j.	PROPN
fsr-4050	649	5	(	(	PUNCT
fsr-4050	649	6	1988	1988	NUM
fsr-4050	649	7	)	)	PUNCT
fsr-4050	649	8	.	.	PUNCT
fsr-4050	650	1	risky	risky	ADJ
fsr-4050	650	2	income	income	NOUN
fsr-4050	650	3	,	,	PUNCT
fsr-4050	650	4	life	life	NOUN
fsr-4050	650	5	cycle	cycle	NOUN
fsr-4050	650	6	consumption	consumption	NOUN
fsr-4050	650	7	,	,	PUNCT
fsr-4050	650	8	and	and	CCONJ
fsr-4050	650	9	precautionary	precautionary	ADJ
fsr-4050	650	10	savings	saving	NOUN
fsr-4050	650	11	.	.	PUNCT
fsr-4050	651	1	journal	journal	PROPN
fsr-4050	651	2	of	of	ADP
fsr-4050	651	3	monetary	monetary	ADJ
fsr-4050	651	4	economics	economic	NOUN
fsr-4050	651	5	,	,	PUNCT
fsr-4050	651	6	22(2	22(2	NUM
fsr-4050	651	7	)	)	PUNCT
fsr-4050	651	8	,	,	PUNCT
fsr-4050	651	9	237255	237255	NUM
fsr-4050	651	10	.	.	PUNCT
fsr-4050	652	1	https://doi.org/10.1016/03043932(88)90021-9	https://doi.org/10.1016/03043932(88)90021-9	NOUN
fsr-4050	652	2	stavins	stavin	NOUN
fsr-4050	652	3	,	,	PUNCT
fsr-4050	652	4	j.	j.	PROPN
fsr-4050	652	5	(	(	PUNCT
fsr-4050	652	6	2021	2021	NUM
fsr-4050	652	7	)	)	PUNCT
fsr-4050	652	8	.	.	PUNCT
fsr-4050	653	1	unprepared	unprepared	ADJ
fsr-4050	653	2	for	for	ADP
fsr-4050	653	3	financial	financial	ADJ
fsr-4050	653	4	shocks	shock	NOUN
fsr-4050	653	5	:	:	PUNCT
fsr-4050	653	6	emergency	emergency	NOUN
fsr-4050	653	7	savings	saving	NOUN
fsr-4050	653	8	and	and	CCONJ
fsr-4050	653	9	credit	credit	NOUN
fsr-4050	653	10	card	card	NOUN
fsr-4050	653	11	debt	debt	NOUN
fsr-4050	653	12	.	.	PUNCT
fsr-4050	654	1	contemporary	contemporary	ADJ
fsr-4050	654	2	economic	economic	ADJ
fsr-4050	654	3	policy	policy	NOUN
fsr-4050	654	4	,	,	PUNCT
fsr-4050	654	5	39(1	39(1	NUM
fsr-4050	654	6	)	)	PUNCT
fsr-4050	654	7	,	,	PUNCT
fsr-4050	654	8	5982	5982	NUM
fsr-4050	654	9	.	.	PUNCT
fsr-4050	655	1	https://doi.org/10.1111/coep.12477	https://doi.org/10.1111/coep.12477	NOUN
fsr-4050	655	2	strömbäck	strömbäck	NOUN
fsr-4050	655	3	,	,	PUNCT
fsr-4050	655	4	c.	c.	PROPN
fsr-4050	655	5	,	,	PUNCT
fsr-4050	655	6	lind	lind	PROPN
fsr-4050	655	7	,	,	PUNCT
fsr-4050	655	8	t.	t.	PROPN
fsr-4050	655	9	,	,	PUNCT
fsr-4050	655	10	skagerlund	skagerlund	PROPN
fsr-4050	655	11	,	,	PUNCT
fsr-4050	655	12	k.	k.	PROPN
fsr-4050	655	13	,	,	PUNCT
fsr-4050	655	14	västfjäll	västfjäll	PROPN
fsr-4050	655	15	,	,	PUNCT
fsr-4050	655	16	d.	d.	PROPN
fsr-4050	655	17	,	,	PUNCT
fsr-4050	655	18	&	&	CCONJ
fsr-4050	655	19	tinghög	tinghög	NOUN
fsr-4050	655	20	,	,	PUNCT
fsr-4050	655	21	g.	g.	PROPN
fsr-4050	655	22	(	(	PUNCT
fsr-4050	655	23	2017	2017	NUM
fsr-4050	655	24	)	)	PUNCT
fsr-4050	655	25	.	.	PUNCT
fsr-4050	656	1	does	do	AUX
fsr-4050	656	2	self	self	NOUN
fsr-4050	656	3	-	-	PUNCT
fsr-4050	656	4	control	control	NOUN
fsr-4050	656	5	predict	predict	VERB
fsr-4050	656	6	financial	financial	ADJ
fsr-4050	656	7	behavior	behavior	NOUN
fsr-4050	656	8	and	and	CCONJ
fsr-4050	656	9	financial	financial	ADJ
fsr-4050	656	10	wellbeing	wellbeing	NOUN
fsr-4050	656	11	?	?	PUNCT
fsr-4050	656	12	.	.	PUNCT
fsr-4050	657	1	journal	journal	PROPN
fsr-4050	657	2	of	of	ADP
fsr-4050	657	3	behavioral	behavioral	ADJ
fsr-4050	657	4	and	and	CCONJ
fsr-4050	657	5	experimental	experimental	ADJ
fsr-4050	657	6	finance	finance	NOUN
fsr-4050	657	7	,	,	PUNCT
fsr-4050	657	8	14	14	NUM
fsr-4050	657	9	,	,	PUNCT
fsr-4050	657	10	30	30	NUM
fsr-4050	657	11	-	-	SYM
fsr-4050	657	12	38	38	NUM
fsr-4050	657	13	.	.	PUNCT
fsr-4050	658	1	https://doi.org/10.1016/j.jbef.2017.04.002	https://doi.org/10.1016/j.jbef.2017.04.002	PROPN
fsr-4050	658	2	taber	taber	PROPN
fsr-4050	658	3	,	,	PUNCT
fsr-4050	658	4	k.	k.	PROPN
fsr-4050	658	5	s.	s.	PROPN
fsr-4050	658	6	(	(	PUNCT
fsr-4050	658	7	2018	2018	NUM
fsr-4050	658	8	)	)	PUNCT
fsr-4050	658	9	.	.	PUNCT
fsr-4050	659	1	the	the	DET
fsr-4050	659	2	use	use	NOUN
fsr-4050	659	3	of	of	ADP
fsr-4050	659	4	cronbach	cronbach	NOUN
fsr-4050	659	5	's	's	PART
fsr-4050	659	6	alpha	alpha	NOUN
fsr-4050	659	7	when	when	SCONJ
fsr-4050	659	8	developing	develop	VERB
fsr-4050	659	9	and	and	CCONJ
fsr-4050	659	10	reporting	report	VERB
fsr-4050	659	11	research	research	NOUN
fsr-4050	659	12	instruments	instrument	NOUN
fsr-4050	659	13	in	in	ADP
fsr-4050	659	14	science	science	NOUN
fsr-4050	659	15	education	education	NOUN
fsr-4050	659	16	.	.	PUNCT
fsr-4050	660	1	research	research	NOUN
fsr-4050	660	2	in	in	ADP
fsr-4050	660	3	science	science	NOUN
fsr-4050	660	4	education	education	NOUN
fsr-4050	660	5	,	,	PUNCT
fsr-4050	660	6	48(6	48(6	NOUN
fsr-4050	660	7	)	)	PUNCT
fsr-4050	660	8	,	,	PUNCT
fsr-4050	660	9	1273	1273	NUM
fsr-4050	660	10	-	-	SYM
fsr-4050	660	11	1296	1296	NUM
fsr-4050	660	12	.	.	PUNCT
fsr-4050	661	1	https://doi.org/10.1007/s11165-016-9602-2	https://doi.org/10.1007/s11165-016-9602-2	NUM
fsr-4050	661	2	tang	tang	PROPN
fsr-4050	661	3	,	,	PUNCT
fsr-4050	661	4	n.	n.	NOUN
fsr-4050	661	5	,	,	PUNCT
fsr-4050	661	6	&	&	CCONJ
fsr-4050	661	7	baker	baker	PROPN
fsr-4050	661	8	,	,	PUNCT
fsr-4050	661	9	a.	a.	PROPN
fsr-4050	661	10	(	(	PUNCT
fsr-4050	661	11	2016	2016	NUM
fsr-4050	661	12	)	)	PUNCT
fsr-4050	661	13	.	.	PUNCT
fsr-4050	662	1	self	self	NOUN
fsr-4050	662	2	-	-	PUNCT
fsr-4050	662	3	esteem	esteem	NOUN
fsr-4050	662	4	,	,	PUNCT
fsr-4050	662	5	financial	financial	ADJ
fsr-4050	662	6	knowledge	knowledge	NOUN
fsr-4050	662	7	,	,	PUNCT
fsr-4050	662	8	and	and	CCONJ
fsr-4050	662	9	financial	financial	ADJ
fsr-4050	662	10	behavior	behavior	NOUN
fsr-4050	662	11	.	.	PUNCT
fsr-4050	663	1	journal	journal	NOUN
fsr-4050	663	2	of	of	ADP
fsr-4050	663	3	economic	economic	ADJ
fsr-4050	663	4	psychology	psychology	NOUN
fsr-4050	663	5	,	,	PUNCT
fsr-4050	663	6	54	54	NUM
fsr-4050	663	7	,	,	PUNCT
fsr-4050	663	8	164	164	NUM
fsr-4050	663	9	-	-	SYM
fsr-4050	663	10	176	176	NUM
fsr-4050	663	11	.	.	PUNCT
fsr-4050	664	1	https://doi.org/10.1016/j.joep.2016.04.005	https://doi.org/10.1016/j.joep.2016.04.005	NUM
fsr-4050	664	2	thakor	thakor	PROPN
fsr-4050	664	3	,	,	PUNCT
fsr-4050	664	4	a.	a.	PROPN
fsr-4050	664	5	v.	v.	PROPN
fsr-4050	664	6	(	(	PUNCT
fsr-4050	664	7	2020	2020	NUM
fsr-4050	664	8	)	)	PUNCT
fsr-4050	664	9	.	.	PUNCT
fsr-4050	665	1	fintech	fintech	NOUN
fsr-4050	665	2	and	and	CCONJ
fsr-4050	665	3	banking	banking	NOUN
fsr-4050	665	4	:	:	PUNCT
fsr-4050	665	5	what	what	PRON
fsr-4050	665	6	do	do	AUX
fsr-4050	665	7	we	we	PRON
fsr-4050	665	8	know	know	VERB
fsr-4050	665	9	?	?	PUNCT
fsr-4050	666	1	journal	journal	NOUN
fsr-4050	666	2	of	of	ADP
fsr-4050	666	3	financial	financial	ADJ
fsr-4050	666	4	intermediation	intermediation	NOUN
fsr-4050	666	5	,	,	PUNCT
fsr-4050	666	6	41	41	NUM
fsr-4050	666	7	,	,	PUNCT
fsr-4050	666	8	100833	100833	NUM
fsr-4050	666	9	.	.	PUNCT
fsr-4050	667	1	https://doi.org/10.1016/j.jfi.2019.100833	https://doi.org/10.1016/j.jfi.2019.100833	AUX
fsr-4050	667	2	u.s	u.s	PROPN
fsr-4050	667	3	.	.	PROPN
fsr-4050	667	4	congress	congress	PROPN
fsr-4050	667	5	.	.	PUNCT
fsr-4050	668	1	(	(	PUNCT
fsr-4050	668	2	2021	2021	NUM
fsr-4050	668	3	)	)	PUNCT
fsr-4050	668	4	.	.	PUNCT
fsr-4050	669	1	s.	s.	PROPN
fsr-4050	669	2	2600	2600	NUM
fsr-4050	669	3	–	–	PUNCT
fsr-4050	669	4	restoring	restore	VERB
fsr-4050	669	5	access	access	NOUN
fsr-4050	669	6	to	to	ADP
fsr-4050	669	7	opportunities	opportunity	NOUN
fsr-4050	669	8	for	for	ADP
fsr-4050	669	9	housing	housing	NOUN
fsr-4050	669	10	act	act	NOUN
fsr-4050	669	11	.	.	PUNCT
fsr-4050	670	1	congress.gov	congress.gov	X
fsr-4050	670	2	.	.	PUNCT
fsr-4050	670	3	https://www.congress.gov/bill/117thcongress/senate-bill/2600	https://www.congress.gov/bill/117thcongress/senate-bill/2600	PROPN
fsr-4050	670	4	venkatesh	venkatesh	PROPN
fsr-4050	670	5	,	,	PUNCT
fsr-4050	670	6	v.	v.	PROPN
fsr-4050	670	7	,	,	PUNCT
fsr-4050	670	8	davis	davis	PROPN
fsr-4050	670	9	,	,	PUNCT
fsr-4050	670	10	f.	f.	PROPN
fsr-4050	670	11	d.	d.	PROPN
fsr-4050	670	12	,	,	PUNCT
fsr-4050	670	13	&	&	CCONJ
fsr-4050	670	14	zhu	zhu	PROPN
fsr-4050	670	15	,	,	PUNCT
fsr-4050	670	16	y.	y.	PROPN
fsr-4050	670	17	(	(	PUNCT
fsr-4050	670	18	2023	2023	NUM
fsr-4050	670	19	)	)	PUNCT
fsr-4050	670	20	.	.	PUNCT
fsr-4050	671	1	competing	compete	VERB
fsr-4050	671	2	roles	role	NOUN
fsr-4050	671	3	of	of	ADP
fsr-4050	671	4	intention	intention	NOUN
fsr-4050	671	5	and	and	CCONJ
fsr-4050	671	6	habit	habit	NOUN
fsr-4050	671	7	in	in	ADP
fsr-4050	671	8	predicting	predict	VERB
fsr-4050	671	9	behavior	behavior	NOUN
fsr-4050	671	10	:	:	PUNCT
fsr-4050	671	11	a	a	DET
fsr-4050	671	12	comprehensive	comprehensive	ADJ
fsr-4050	671	13	https://doi.org/10.24840/2183-0606_004.004_0004	https://doi.org/10.24840/2183-0606_004.004_0004	PROPN
fsr-4050	671	14	https://doi.org/10.24840/2183-0606_004.004_0004	https://doi.org/10.24840/2183-0606_004.004_0004	PROPN
fsr-4050	671	15	https://www.congress.gov/bill/117th-congress/senate-bill/2600	https://www.congress.gov/bill/117th-congress/senate-bill/2600	PROPN
fsr-4050	671	16	https://www.congress.gov/bill/117th-congress/senate-bill/2600	https://www.congress.gov/bill/117th-congress/senate-bill/2600	PROPN
fsr-4050	671	17	chen	chen	PROPN
fsr-4050	671	18	et	et	PROPN
fsr-4050	671	19	al	al	PROPN
fsr-4050	671	20	.	.	PROPN
fsr-4050	672	1	45	45	NUM
fsr-4050	672	2	literature	literature	PROPN
fsr-4050	672	3	review	review	NOUN
fsr-4050	672	4	,	,	PUNCT
fsr-4050	672	5	synthesis	synthesis	NOUN
fsr-4050	672	6	,	,	PUNCT
fsr-4050	672	7	and	and	CCONJ
fsr-4050	672	8	longitudinal	longitudinal	ADJ
fsr-4050	672	9	field	field	NOUN
fsr-4050	672	10	study	study	NOUN
fsr-4050	672	11	.	.	PUNCT
fsr-4050	673	1	international	international	ADJ
fsr-4050	673	2	journal	journal	PROPN
fsr-4050	673	3	of	of	ADP
fsr-4050	673	4	information	information	NOUN
fsr-4050	673	5	management	management	NOUN
fsr-4050	673	6	,	,	PUNCT
fsr-4050	673	7	71	71	NUM
fsr-4050	673	8	,	,	PUNCT
fsr-4050	673	9	102644	102644	NUM
fsr-4050	673	10	.	.	PUNCT
fsr-4050	674	1	https://doi.org/10.1016/j.ijinfomgt.2023.102	https://doi.org/10.1016/j.ijinfomgt.2023.102	PROPN
fsr-4050	674	2	644	644	NUM
fsr-4050	674	3	venkatesh	venkatesh	NOUN
fsr-4050	674	4	,	,	PUNCT
fsr-4050	674	5	v.	v.	PROPN
fsr-4050	674	6	,	,	PUNCT
fsr-4050	674	7	morris	morris	PROPN
fsr-4050	674	8	,	,	PUNCT
fsr-4050	674	9	m.	m.	NOUN
fsr-4050	674	10	g.	g.	PROPN
fsr-4050	674	11	,	,	PUNCT
fsr-4050	674	12	davis	davis	PROPN
fsr-4050	674	13	,	,	PUNCT
fsr-4050	674	14	g.	g.	PROPN
fsr-4050	674	15	b.	b.	PROPN
fsr-4050	674	16	,	,	PUNCT
fsr-4050	674	17	&	&	CCONJ
fsr-4050	674	18	davis	davis	PROPN
fsr-4050	674	19	,	,	PUNCT
fsr-4050	674	20	f.	f.	PROPN
fsr-4050	674	21	d.	d.	PROPN
fsr-4050	674	22	(	(	PUNCT
fsr-4050	674	23	2003	2003	NUM
fsr-4050	674	24	)	)	PUNCT
fsr-4050	674	25	.	.	PUNCT
fsr-4050	675	1	user	user	NOUN
fsr-4050	675	2	acceptance	acceptance	NOUN
fsr-4050	675	3	of	of	ADP
fsr-4050	675	4	information	information	NOUN
fsr-4050	675	5	technology	technology	NOUN
fsr-4050	675	6	:	:	PUNCT
fsr-4050	675	7	toward	toward	ADP
fsr-4050	675	8	a	a	DET
fsr-4050	675	9	unified	unified	ADJ
fsr-4050	675	10	view	view	NOUN
fsr-4050	675	11	.	.	PUNCT
fsr-4050	676	1	mis	mis	PROPN
fsr-4050	676	2	quarterly	quarterly	PROPN
fsr-4050	676	3	,	,	PUNCT
fsr-4050	676	4	425	425	NUM
fsr-4050	676	5	-	-	SYM
fsr-4050	676	6	478	478	NUM
fsr-4050	676	7	.	.	PUNCT
fsr-4050	676	8	https://doi.org/10.2307/30036540	https://doi.org/10.2307/30036540	PUNCT
fsr-4050	677	1	vermeir	vermeir	PROPN
fsr-4050	677	2	,	,	PUNCT
fsr-4050	677	3	i.	i.	PROPN
fsr-4050	677	4	,	,	PUNCT
fsr-4050	677	5	&	&	CCONJ
fsr-4050	677	6	verbeke	verbeke	PROPN
fsr-4050	677	7	,	,	PUNCT
fsr-4050	677	8	w.	w.	PROPN
fsr-4050	677	9	(	(	PUNCT
fsr-4050	677	10	2006	2006	NUM
fsr-4050	677	11	)	)	PUNCT
fsr-4050	677	12	.	.	PUNCT
fsr-4050	678	1	sustainable	sustainable	ADJ
fsr-4050	678	2	food	food	NOUN
fsr-4050	678	3	consumption	consumption	NOUN
fsr-4050	678	4	:	:	PUNCT
fsr-4050	678	5	exploring	explore	VERB
fsr-4050	678	6	the	the	DET
fsr-4050	678	7	consumer	consumer	NOUN
fsr-4050	678	8	"	"	PUNCT
fsr-4050	678	9	attitude	attitude	NOUN
fsr-4050	678	10	–	–	PUNCT
fsr-4050	678	11	behavioral	behavioral	ADJ
fsr-4050	678	12	intention	intention	NOUN
fsr-4050	678	13	"	"	PUNCT
fsr-4050	678	14	gap	gap	NOUN
fsr-4050	678	15	.	.	PUNCT
fsr-4050	679	1	journal	journal	PROPN
fsr-4050	679	2	of	of	ADP
fsr-4050	679	3	agricultural	agricultural	ADJ
fsr-4050	679	4	and	and	CCONJ
fsr-4050	679	5	environmental	environmental	ADJ
fsr-4050	679	6	ethics	ethic	NOUN
fsr-4050	679	7	,	,	PUNCT
fsr-4050	679	8	19	19	NUM
fsr-4050	679	9	,	,	PUNCT
fsr-4050	679	10	169	169	NUM
fsr-4050	679	11	-	-	SYM
fsr-4050	679	12	194	194	NUM
fsr-4050	679	13	.	.	PUNCT
fsr-4050	680	1	https://doi.org/10.1007/s10806005-5485-3	https://doi.org/10.1007/s10806005-5485-3	PROPN
fsr-4050	680	2	wagner	wagner	PROPN
fsr-4050	680	3	,	,	PUNCT
fsr-4050	680	4	j.	j.	PROPN
fsr-4050	680	5	,	,	PUNCT
fsr-4050	680	6	&	&	CCONJ
fsr-4050	680	7	walstad	walstad	PROPN
fsr-4050	680	8	,	,	PUNCT
fsr-4050	680	9	w.	w.	PROPN
fsr-4050	680	10	b.	b.	PROPN
fsr-4050	680	11	(	(	PUNCT
fsr-4050	680	12	2019	2019	NUM
fsr-4050	680	13	)	)	PUNCT
fsr-4050	680	14	.	.	PUNCT
fsr-4050	681	1	the	the	DET
fsr-4050	681	2	effects	effect	NOUN
fsr-4050	681	3	of	of	ADP
fsr-4050	681	4	financial	financial	ADJ
fsr-4050	681	5	education	education	NOUN
fsr-4050	681	6	on	on	ADP
fsr-4050	681	7	short‐term	short‐term	ADJ
fsr-4050	681	8	and	and	CCONJ
fsr-4050	681	9	long‐	long‐	ADJ
fsr-4050	681	10	term	term	NOUN
fsr-4050	681	11	financial	financial	ADJ
fsr-4050	681	12	behaviors	behavior	NOUN
fsr-4050	681	13	.	.	PUNCT
fsr-4050	682	1	journal	journal	NOUN
fsr-4050	682	2	of	of	ADP
fsr-4050	682	3	consumer	consumer	NOUN
fsr-4050	682	4	affairs	affair	NOUN
fsr-4050	682	5	,	,	PUNCT
fsr-4050	682	6	53(1	53(1	NOUN
fsr-4050	682	7	)	)	PUNCT
fsr-4050	682	8	,	,	PUNCT
fsr-4050	682	9	234	234	NUM
fsr-4050	682	10	-	-	SYM
fsr-4050	682	11	259	259	NUM
fsr-4050	682	12	.	.	PUNCT
fsr-4050	683	1	https://doi.org/10.1111/joca.12210	https://doi.org/10.1111/joca.12210	PROPN
fsr-4050	683	2	wang	wang	PROPN
fsr-4050	683	3	,	,	PUNCT
fsr-4050	683	4	j.	j.	PROPN
fsr-4050	683	5	s.	s.	PROPN
fsr-4050	683	6	(	(	PUNCT
fsr-4050	683	7	2021	2021	NUM
fsr-4050	683	8	)	)	PUNCT
fsr-4050	683	9	.	.	PUNCT
fsr-4050	684	1	exploring	explore	VERB
fsr-4050	684	2	biometric	biometric	ADJ
fsr-4050	684	3	identification	identification	NOUN
fsr-4050	684	4	in	in	ADP
fsr-4050	684	5	fintech	fintech	NOUN
fsr-4050	684	6	applications	application	NOUN
fsr-4050	684	7	based	base	VERB
fsr-4050	684	8	on	on	ADP
fsr-4050	684	9	the	the	DET
fsr-4050	684	10	modified	modify	VERB
fsr-4050	684	11	tam	tam	PROPN
fsr-4050	684	12	.	.	PUNCT
fsr-4050	684	13	financial	financial	ADJ
fsr-4050	684	14	innovation	innovation	NOUN
fsr-4050	684	15	,	,	PUNCT
fsr-4050	684	16	7(1	7(1	NUM
fsr-4050	684	17	)	)	PUNCT
fsr-4050	684	18	,	,	PUNCT
fsr-4050	684	19	42	42	NUM
fsr-4050	684	20	.	.	PUNCT
fsr-4050	685	1	https://doi.org/10.1186/s40854021-00260-2	https://doi.org/10.1186/s40854021-00260-2	PROPN
fsr-4050	685	2	widjaja	widjaja	PROPN
fsr-4050	685	3	,	,	PUNCT
fsr-4050	685	4	i.	i.	PROPN
fsr-4050	685	5	,	,	PUNCT
fsr-4050	685	6	arifin	arifin	PROPN
fsr-4050	685	7	,	,	PUNCT
fsr-4050	685	8	a.	a.	PROPN
fsr-4050	685	9	,	,	PUNCT
fsr-4050	685	10	&	&	CCONJ
fsr-4050	685	11	setini	setini	PROPN
fsr-4050	685	12	,	,	PUNCT
fsr-4050	685	13	m.	m.	NOUN
fsr-4050	685	14	(	(	PUNCT
fsr-4050	685	15	2020	2020	NUM
fsr-4050	685	16	)	)	PUNCT
fsr-4050	685	17	.	.	PUNCT
fsr-4050	686	1	the	the	DET
fsr-4050	686	2	effects	effect	NOUN
fsr-4050	686	3	of	of	ADP
fsr-4050	686	4	financial	financial	ADJ
fsr-4050	686	5	literacy	literacy	NOUN
fsr-4050	686	6	and	and	CCONJ
fsr-4050	686	7	subjective	subjective	ADJ
fsr-4050	686	8	norms	norm	NOUN
fsr-4050	686	9	on	on	ADP
fsr-4050	686	10	saving	save	VERB
fsr-4050	686	11	behavior	behavior	NOUN
fsr-4050	686	12	.	.	PUNCT
fsr-4050	687	1	management	management	NOUN
fsr-4050	687	2	science	science	NOUN
fsr-4050	687	3	letters	letter	NOUN
fsr-4050	687	4	,	,	PUNCT
fsr-4050	687	5	10(15	10(15	NUM
fsr-4050	687	6	)	)	PUNCT
fsr-4050	687	7	,	,	PUNCT
fsr-4050	687	8	3635	3635	NUM
fsr-4050	687	9	-	-	SYM
fsr-4050	687	10	3642	3642	NUM
fsr-4050	687	11	.	.	PUNCT
fsr-4050	688	1	http://doi.org/10.5267/j.msl.2020.6.030	http://doi.org/10.5267/j.msl.2020.6.030	PROPN
fsr-4050	688	2	xiao	xiao	PROPN
fsr-4050	688	3	,	,	PUNCT
fsr-4050	688	4	j.	j.	PROPN
fsr-4050	688	5	j.	j.	PROPN
fsr-4050	688	6	,	,	PUNCT
fsr-4050	688	7	tang	tang	PROPN
fsr-4050	688	8	,	,	PUNCT
fsr-4050	688	9	c.	c.	PROPN
fsr-4050	688	10	,	,	PUNCT
fsr-4050	688	11	serido	serido	PRON
fsr-4050	688	12	,	,	PUNCT
fsr-4050	688	13	j.	j.	PROPN
fsr-4050	688	14	,	,	PUNCT
fsr-4050	688	15	&	&	CCONJ
fsr-4050	688	16	shim	shim	NOUN
fsr-4050	688	17	,	,	PUNCT
fsr-4050	688	18	s.	s.	PROPN
fsr-4050	688	19	(	(	PUNCT
fsr-4050	688	20	2011	2011	NUM
fsr-4050	688	21	)	)	PUNCT
fsr-4050	688	22	.	.	PUNCT
fsr-4050	689	1	antecedents	antecedent	NOUN
fsr-4050	689	2	and	and	CCONJ
fsr-4050	689	3	consequences	consequence	NOUN
fsr-4050	689	4	of	of	ADP
fsr-4050	689	5	risky	risky	ADJ
fsr-4050	689	6	credit	credit	NOUN
fsr-4050	689	7	behavior	behavior	NOUN
fsr-4050	689	8	among	among	ADP
fsr-4050	689	9	college	college	NOUN
fsr-4050	689	10	students	student	NOUN
fsr-4050	689	11	:	:	PUNCT
fsr-4050	689	12	application	application	NOUN
fsr-4050	689	13	and	and	CCONJ
fsr-4050	689	14	extension	extension	NOUN
fsr-4050	689	15	of	of	ADP
fsr-4050	689	16	the	the	DET
fsr-4050	689	17	theory	theory	NOUN
fsr-4050	689	18	of	of	ADP
fsr-4050	689	19	planned	plan	VERB
fsr-4050	689	20	behavior	behavior	NOUN
fsr-4050	689	21	.	.	PUNCT
fsr-4050	690	1	journal	journal	PROPN
fsr-4050	690	2	of	of	ADP
fsr-4050	690	3	public	public	ADJ
fsr-4050	690	4	policy	policy	NOUN
fsr-4050	690	5	&	&	CCONJ
fsr-4050	690	6	marketing	marketing	NOUN
fsr-4050	690	7	,	,	PUNCT
fsr-4050	690	8	30(2	30(2	NUM
fsr-4050	690	9	)	)	PUNCT
fsr-4050	690	10	,	,	PUNCT
fsr-4050	690	11	239	239	NUM
fsr-4050	690	12	-	-	SYM
fsr-4050	690	13	245	245	NUM
fsr-4050	690	14	.	.	PUNCT
fsr-4050	691	1	https://doi.org/10.1509/jppm.30.2.239	https://doi.org/10.1509/jppm.30.2.239	PROPN
fsr-4050	691	2	yeo	yeo	PROPN
fsr-4050	691	3	,	,	PUNCT
fsr-4050	691	4	j.	j.	PROPN
fsr-4050	691	5	h.	h.	PROPN
fsr-4050	691	6	,	,	PUNCT
fsr-4050	691	7	&	&	CCONJ
fsr-4050	691	8	fisher	fisher	PROPN
fsr-4050	691	9	,	,	PUNCT
fsr-4050	691	10	p.	p.	PROPN
fsr-4050	691	11	j.	j.	PROPN
fsr-4050	691	12	(	(	PUNCT
fsr-4050	691	13	2017	2017	NUM
fsr-4050	691	14	)	)	PUNCT
fsr-4050	691	15	.	.	PUNCT
fsr-4050	692	1	mobile	mobile	ADJ
fsr-4050	692	2	financial	financial	ADJ
fsr-4050	692	3	technology	technology	NOUN
fsr-4050	692	4	and	and	CCONJ
fsr-4050	692	5	consumers	consumer	NOUN
fsr-4050	692	6	'	'	PART
fsr-4050	692	7	financial	financial	ADJ
fsr-4050	692	8	capability	capability	NOUN
fsr-4050	692	9	in	in	ADP
fsr-4050	692	10	the	the	DET
fsr-4050	692	11	united	united	PROPN
fsr-4050	692	12	states	states	PROPN
fsr-4050	692	13	.	.	PUNCT
fsr-4050	693	1	journal	journal	PROPN
fsr-4050	693	2	of	of	ADP
fsr-4050	693	3	education	education	PROPN
fsr-4050	693	4	&	&	CCONJ
fsr-4050	693	5	social	social	ADJ
fsr-4050	693	6	policy	policy	NOUN
fsr-4050	693	7	,	,	PUNCT
fsr-4050	693	8	7(1	7(1	NUM
fsr-4050	693	9	)	)	PUNCT
fsr-4050	693	10	,	,	PUNCT
fsr-4050	693	11	80	80	NUM
fsr-4050	693	12	-	-	SYM
fsr-4050	693	13	93	93	NUM
fsr-4050	693	14	.	.	PUNCT
fsr-4050	694	1	https://doi.org/10.1509/jppm.30.2.239	https://doi.org/10.1509/jppm.30.2.239	NUM
fsr-4050	694	2	financial	financial	PROPN
fsr-4050	694	3	services	service	NOUN
fsr-4050	694	4	review	review	NOUN
fsr-4050	694	5	,	,	PUNCT
fsr-4050	694	6	33(3	33(3	NOUN
fsr-4050	694	7	)	)	PUNCT
fsr-4050	694	8	46	46	NUM
fsr-4050	694	9	appendix	appendix	ADJ
fsr-4050	694	10	measurements	measurement	NOUN
fsr-4050	694	11	of	of	ADP
fsr-4050	694	12	key	key	ADJ
fsr-4050	694	13	variables	variable	NOUN
fsr-4050	694	14	variables	variable	VERB
fsr-4050	694	15	items	item	NOUN
fsr-4050	694	16	references	reference	NOUN
fsr-4050	694	17	attitudes	attitude	NOUN
fsr-4050	694	18	at1	at1	PROPN
fsr-4050	694	19	having	have	VERB
fsr-4050	694	20	adequate	adequate	ADJ
fsr-4050	694	21	(	(	PUNCT
fsr-4050	694	22	at	at	ADP
fsr-4050	694	23	least	least	ADV
fsr-4050	694	24	3	3	NUM
fsr-4050	694	25	months	month	NOUN
fsr-4050	694	26	of	of	ADP
fsr-4050	694	27	your	your	PRON
fsr-4050	694	28	living	living	NOUN
fsr-4050	694	29	expenses	expense	NOUN
fsr-4050	694	30	)	)	PUNCT
fsr-4050	694	31	in	in	ADP
fsr-4050	694	32	emergency	emergency	NOUN
fsr-4050	694	33	fund	fund	NOUN
fsr-4050	694	34	savings	saving	NOUN
fsr-4050	694	35	would	would	AUX
fsr-4050	694	36	be	be	AUX
fsr-4050	694	37	extremely	extremely	ADV
fsr-4050	694	38	bad	bad	ADJ
fsr-4050	694	39	(	(	PUNCT
fsr-4050	694	40	1	1	NUM
fsr-4050	694	41	)	)	PUNCT
fsr-4050	694	42	–	–	PUNCT
fsr-4050	694	43	extremely	extremely	ADV
fsr-4050	694	44	good	good	ADJ
fsr-4050	694	45	(	(	PUNCT
fsr-4050	694	46	7	7	NUM
fsr-4050	694	47	)	)	PUNCT
fsr-4050	694	48	.	.	PUNCT
fsr-4050	695	1	ajzen	ajzen	NOUN
fsr-4050	695	2	(	(	PUNCT
fsr-4050	695	3	2006	2006	NUM
fsr-4050	695	4	;	;	PUNCT
fsr-4050	695	5	2020	2020	NUM
fsr-4050	695	6	)	)	PUNCT
fsr-4050	695	7	at2	at2	PROPN
fsr-4050	695	8	having	have	VERB
fsr-4050	695	9	adequate	adequate	ADJ
fsr-4050	695	10	(	(	PUNCT
fsr-4050	695	11	at	at	ADP
fsr-4050	695	12	least	least	ADV
fsr-4050	695	13	3	3	NUM
fsr-4050	695	14	months	month	NOUN
fsr-4050	695	15	of	of	ADP
fsr-4050	695	16	your	your	PRON
fsr-4050	695	17	living	living	NOUN
fsr-4050	695	18	expenses	expense	NOUN
fsr-4050	695	19	)	)	PUNCT
fsr-4050	695	20	in	in	ADP
fsr-4050	695	21	emergency	emergency	NOUN
fsr-4050	695	22	fund	fund	NOUN
fsr-4050	695	23	savings	saving	NOUN
fsr-4050	695	24	would	would	AUX
fsr-4050	695	25	be	be	AUX
fsr-4050	695	26	extremely	extremely	ADV
fsr-4050	695	27	unpleasant	unpleasant	ADJ
fsr-4050	695	28	(	(	PUNCT
fsr-4050	695	29	1	1	NUM
fsr-4050	695	30	)	)	PUNCT
fsr-4050	695	31	–	–	PUNCT
fsr-4050	695	32	extremely	extremely	ADV
fsr-4050	695	33	pleasant	pleasant	ADJ
fsr-4050	695	34	(	(	PUNCT
fsr-4050	695	35	7	7	NUM
fsr-4050	695	36	)	)	PUNCT
fsr-4050	695	37	.	.	PUNCT
fsr-4050	696	1	at3	at3	PROPN
fsr-4050	696	2	having	have	VERB
fsr-4050	696	3	adequate	adequate	ADJ
fsr-4050	696	4	(	(	PUNCT
fsr-4050	696	5	at	at	ADP
fsr-4050	696	6	least	least	ADV
fsr-4050	696	7	3	3	NUM
fsr-4050	696	8	months	month	NOUN
fsr-4050	696	9	of	of	ADP
fsr-4050	696	10	your	your	PRON
fsr-4050	696	11	living	living	NOUN
fsr-4050	696	12	expenses	expense	NOUN
fsr-4050	696	13	)	)	PUNCT
fsr-4050	696	14	in	in	ADP
fsr-4050	696	15	emergency	emergency	NOUN
fsr-4050	696	16	fund	fund	NOUN
fsr-4050	696	17	savings	saving	NOUN
fsr-4050	696	18	would	would	AUX
fsr-4050	696	19	be	be	AUX
fsr-4050	696	20	extremely	extremely	ADV
fsr-4050	696	21	harmful	harmful	ADJ
fsr-4050	696	22	(	(	PUNCT
fsr-4050	696	23	1	1	NUM
fsr-4050	696	24	)	)	PUNCT
fsr-4050	696	25	–	–	PUNCT
fsr-4050	696	26	extremely	extremely	ADV
fsr-4050	696	27	beneficial	beneficial	ADJ
fsr-4050	696	28	(	(	PUNCT
fsr-4050	696	29	7	7	NUM
fsr-4050	696	30	)	)	PUNCT
fsr-4050	696	31	.	.	PUNCT
fsr-4050	697	1	subjective	subjective	ADJ
fsr-4050	697	2	norms	norm	NOUN
fsr-4050	697	3	sn1	sn1	PROPN
fsr-4050	697	4	my	my	PRON
fsr-4050	697	5	family	family	NOUN
fsr-4050	697	6	thinks	think	VERB
fsr-4050	697	7	that	that	SCONJ
fsr-4050	697	8	i	i	PRON
fsr-4050	697	9	should	should	AUX
fsr-4050	697	10	maintain	maintain	VERB
fsr-4050	697	11	emergency	emergency	NOUN
fsr-4050	697	12	fund	fund	NOUN
fsr-4050	697	13	savings	saving	NOUN
fsr-4050	697	14	that	that	PRON
fsr-4050	697	15	cover	cover	VERB
fsr-4050	697	16	at	at	ADV
fsr-4050	697	17	least	least	ADV
fsr-4050	697	18	three	three	NUM
fsr-4050	697	19	months	month	NOUN
fsr-4050	697	20	of	of	ADP
fsr-4050	697	21	expenses	expense	NOUN
fsr-4050	697	22	.	.	PUNCT
fsr-4050	698	1	sn2	sn2	PROPN
fsr-4050	698	2	my	my	PRON
fsr-4050	698	3	friends	friend	NOUN
fsr-4050	698	4	who	who	PRON
fsr-4050	698	5	are	be	AUX
fsr-4050	698	6	important	important	ADJ
fsr-4050	698	7	to	to	ADP
fsr-4050	698	8	me	i	PRON
fsr-4050	698	9	think	think	VERB
fsr-4050	698	10	that	that	SCONJ
fsr-4050	698	11	i	i	PRON
fsr-4050	698	12	should	should	AUX
fsr-4050	698	13	maintain	maintain	VERB
fsr-4050	698	14	emergency	emergency	NOUN
fsr-4050	698	15	savings	saving	NOUN
fsr-4050	698	16	that	that	PRON
fsr-4050	698	17	cover	cover	VERB
fsr-4050	698	18	at	at	ADV
fsr-4050	698	19	least	least	ADJ
fsr-4050	698	20	threemonths	threemonth	NOUN
fsr-4050	698	21	of	of	ADP
fsr-4050	698	22	expenses	expense	NOUN
fsr-4050	698	23	.	.	PUNCT
fsr-4050	699	1	perceived	perceive	VERB
fsr-4050	699	2	behavioral	behavioral	ADJ
fsr-4050	699	3	control	control	NOUN
fsr-4050	699	4	pc1	pc1	PROPN
fsr-4050	699	5	i	i	PRON
fsr-4050	699	6	am	be	AUX
fsr-4050	699	7	confident	confident	ADJ
fsr-4050	699	8	that	that	SCONJ
fsr-4050	699	9	i	i	PRON
fsr-4050	699	10	can	can	AUX
fsr-4050	699	11	easily	easily	ADV
fsr-4050	699	12	maintain	maintain	VERB
fsr-4050	699	13	adequate	adequate	ADJ
fsr-4050	699	14	(	(	PUNCT
fsr-4050	699	15	at	at	ADP
fsr-4050	699	16	least	least	ADV
fsr-4050	699	17	3	3	NUM
fsr-4050	699	18	months	month	NOUN
fsr-4050	699	19	of	of	ADP
fsr-4050	699	20	living	living	NOUN
fsr-4050	699	21	expenses	expense	NOUN
fsr-4050	699	22	)	)	PUNCT
fsr-4050	699	23	emergency	emergency	NOUN
fsr-4050	699	24	fund	fund	NOUN
fsr-4050	699	25	savings	saving	NOUN
fsr-4050	699	26	.	.	PUNCT
fsr-4050	700	1	pc2	pc2	NOUN
fsr-4050	701	1	i	i	PRON
fsr-4050	701	2	have	have	VERB
fsr-4050	701	3	complete	complete	ADJ
fsr-4050	701	4	control	control	NOUN
fsr-4050	701	5	over	over	ADP
fsr-4050	701	6	maintaining	maintain	VERB
fsr-4050	701	7	emergency	emergency	NOUN
fsr-4050	701	8	savings	saving	NOUN
fsr-4050	701	9	(	(	PUNCT
fsr-4050	701	10	which	which	PRON
fsr-4050	701	11	are	be	AUX
fsr-4050	701	12	at	at	ADV
fsr-4050	701	13	least	least	ADV
fsr-4050	701	14	three	three	NUM
fsr-4050	701	15	months	month	NOUN
fsr-4050	701	16	equivalent	equivalent	ADJ
fsr-4050	701	17	of	of	ADP
fsr-4050	701	18	living	living	NOUN
fsr-4050	701	19	expenses	expense	NOUN
fsr-4050	701	20	)	)	PUNCT
fsr-4050	701	21	.	.	PUNCT
fsr-4050	702	1	intention	intention	NOUN
fsr-4050	702	2	to	to	PART
fsr-4050	702	3	use	use	VERB
fsr-4050	702	4	fintech	fintech	NOUN
fsr-4050	702	5	to	to	PART
fsr-4050	702	6	save	save	VERB
fsr-4050	702	7	in1	in1	NOUN
fsr-4050	702	8	what	what	PRON
fsr-4050	702	9	is	be	AUX
fsr-4050	702	10	the	the	DET
fsr-4050	702	11	likelihood	likelihood	NOUN
fsr-4050	702	12	that	that	SCONJ
fsr-4050	702	13	you	you	PRON
fsr-4050	702	14	will	will	AUX
fsr-4050	702	15	use	use	VERB
fsr-4050	702	16	financial	financial	ADJ
fsr-4050	702	17	apps	app	NOUN
fsr-4050	702	18	to	to	PART
fsr-4050	702	19	save	save	VERB
fsr-4050	702	20	regularly	regularly	ADV
fsr-4050	702	21	for	for	ADP
fsr-4050	702	22	emergency	emergency	NOUN
fsr-4050	702	23	fund	fund	NOUN
fsr-4050	702	24	savings	saving	NOUN
fsr-4050	702	25	to	to	PART
fsr-4050	702	26	cover	cover	VERB
fsr-4050	702	27	at	at	ADV
fsr-4050	702	28	least	least	ADJ
fsr-4050	702	29	three	three	NUM
fsr-4050	702	30	-	-	PUNCT
fsr-4050	702	31	month	month	NOUN
fsr-4050	702	32	living	living	NOUN
fsr-4050	702	33	expenses	expense	NOUN
fsr-4050	702	34	?	?	PUNCT
fsr-4050	703	1	fintech	fintech	NOUN
fsr-4050	703	2	use	use	NOUN
fsr-4050	703	3	saving	save	VERB
fsr-4050	703	4	app	app	PROPN
fsr-4050	703	5	(	(	PUNCT
fsr-4050	703	6	sa	sa	PROPN
fsr-4050	703	7	)	)	PUNCT
fsr-4050	703	8	how	how	SCONJ
fsr-4050	703	9	often	often	ADV
fsr-4050	703	10	do	do	AUX
fsr-4050	703	11	you	you	PRON
fsr-4050	703	12	use	use	VERB
fsr-4050	703	13	financial	financial	ADJ
fsr-4050	703	14	applications	application	NOUN
fsr-4050	703	15	(	(	PUNCT
fsr-4050	703	16	bank	bank	NOUN
fsr-4050	703	17	apps	app	NOUN
fsr-4050	703	18	,	,	PUNCT
fsr-4050	703	19	mint	mint	PROPN
fsr-4050	703	20	,	,	PUNCT
fsr-4050	703	21	quicken	quicken	NOUN
fsr-4050	703	22	,	,	PUNCT
fsr-4050	703	23	quickbooks	quickbook	NOUN
fsr-4050	703	24	,	,	PUNCT
fsr-4050	703	25	etc	etc	X
fsr-4050	703	26	.	.	X
fsr-4050	703	27	)	)	PUNCT
fsr-4050	703	28	to	to	PART
fsr-4050	703	29	save	save	VERB
fsr-4050	703	30	money	money	NOUN
fsr-4050	703	31	regularly	regularly	ADV
fsr-4050	703	32	for	for	ADP
fsr-4050	703	33	emergency	emergency	NOUN
fsr-4050	703	34	funds	fund	NOUN
fsr-4050	703	35	?	?	PUNCT
fsr-4050	704	1	finra	finra	NOUN
fsr-4050	704	2	(	(	PUNCT
fsr-4050	704	3	2021	2021	NUM
fsr-4050	704	4	)	)	PUNCT
fsr-4050	704	5	saving	save	VERB
fsr-4050	704	6	website	website	NOUN
fsr-4050	704	7	(	(	PUNCT
fsr-4050	704	8	sw	sw	PROPN
fsr-4050	704	9	)	)	PUNCT
fsr-4050	704	10	how	how	SCONJ
fsr-4050	704	11	often	often	ADV
fsr-4050	704	12	do	do	AUX
fsr-4050	704	13	you	you	PRON
fsr-4050	704	14	use	use	VERB
fsr-4050	704	15	a	a	DET
fsr-4050	704	16	laptop	laptop	NOUN
fsr-4050	704	17	/	/	SYM
fsr-4050	704	18	computer	computer	NOUN
fsr-4050	704	19	to	to	PART
fsr-4050	704	20	save	save	VERB
fsr-4050	704	21	money	money	NOUN
fsr-4050	704	22	regularly	regularly	ADV
fsr-4050	704	23	for	for	ADP
fsr-4050	704	24	emergency	emergency	NOUN
fsr-4050	704	25	funds	fund	NOUN
fsr-4050	704	26	?	?	PUNCT
fsr-4050	705	1	emergency	emergency	NOUN
fsr-4050	705	2	fund	fund	NOUN
fsr-4050	705	3	savings	saving	NOUN
fsr-4050	705	4	how	how	SCONJ
fsr-4050	705	5	much	much	ADJ
fsr-4050	705	6	have	have	AUX
fsr-4050	705	7	you	you	PRON
fsr-4050	705	8	set	set	VERB
fsr-4050	705	9	aside	aside	ADV
fsr-4050	705	10	for	for	ADP
fsr-4050	705	11	emergency	emergency	NOUN
fsr-4050	705	12	fund	fund	NOUN
fsr-4050	705	13	savings	saving	NOUN
fsr-4050	705	14	?	?	PUNCT
fsr-4050	706	1	johnson	johnson	PROPN
fsr-4050	706	2	and	and	CCONJ
fsr-4050	706	3	widdows	widdow	NOUN
fsr-4050	706	4	(	(	PUNCT
fsr-4050	706	5	1985	1985	NUM
fsr-4050	706	6	)	)	PUNCT
fsr-4050	706	7	expenses	expense	VERB
fsr-4050	706	8	what	what	PRON
fsr-4050	706	9	are	be	AUX
fsr-4050	706	10	your	your	PRON
fsr-4050	706	11	household	household	NOUN
fsr-4050	706	12	's	's	PART
fsr-4050	706	13	approximate	approximate	ADJ
fsr-4050	706	14	monthly	monthly	ADJ
fsr-4050	706	15	expenses	expense	NOUN
fsr-4050	706	16	,	,	PUNCT
fsr-4050	706	17	on	on	ADP
fsr-4050	706	18	average	average	ADJ
fsr-4050	706	19	?	?	PUNCT
fsr-4050	706	20	objective	objective	ADJ
fsr-4050	706	21	financial	financial	ADJ
fsr-4050	706	22	knowledge	knowledge	NOUN
fsr-4050	706	23	ob1	ob1	NOUN
fsr-4050	706	24	imagine	imagine	VERB
fsr-4050	706	25	that	that	SCONJ
fsr-4050	706	26	the	the	DET
fsr-4050	706	27	interest	interest	NOUN
fsr-4050	706	28	rate	rate	NOUN
fsr-4050	706	29	on	on	ADP
fsr-4050	706	30	your	your	PRON
fsr-4050	706	31	savings	saving	NOUN
fsr-4050	706	32	account	account	NOUN
fsr-4050	706	33	was	be	AUX
fsr-4050	706	34	1	1	NUM
fsr-4050	706	35	%	%	NOUN
fsr-4050	706	36	per	per	ADP
fsr-4050	706	37	year	year	NOUN
fsr-4050	706	38	and	and	CCONJ
fsr-4050	706	39	inflation	inflation	NOUN
fsr-4050	706	40	was	be	AUX
fsr-4050	706	41	2	2	NUM
fsr-4050	706	42	%	%	NOUN
fsr-4050	706	43	per	per	ADP
fsr-4050	706	44	year	year	NOUN
fsr-4050	706	45	.	.	PUNCT
fsr-4050	707	1	after	after	ADP
fsr-4050	707	2	1	1	NUM
fsr-4050	707	3	year	year	NOUN
fsr-4050	707	4	,	,	PUNCT
fsr-4050	707	5	how	how	SCONJ
fsr-4050	707	6	much	much	ADJ
fsr-4050	707	7	would	would	AUX
fsr-4050	707	8	you	you	PRON
fsr-4050	707	9	be	be	AUX
fsr-4050	707	10	able	able	ADJ
fsr-4050	707	11	to	to	PART
fsr-4050	707	12	buy	buy	VERB
fsr-4050	707	13	with	with	ADP
fsr-4050	707	14	the	the	DET
fsr-4050	707	15	money	money	NOUN
fsr-4050	707	16	in	in	ADP
fsr-4050	707	17	this	this	DET
fsr-4050	707	18	account	account	NOUN
fsr-4050	707	19	?	?	PUNCT
fsr-4050	708	1	houts	hout	NOUN
fsr-4050	708	2	and	and	CCONJ
fsr-4050	708	3	knoll	knoll	NOUN
fsr-4050	708	4	(	(	PUNCT
fsr-4050	708	5	2020	2020	NUM
fsr-4050	708	6	)	)	PUNCT
fsr-4050	708	7	chen	chen	PROPN
fsr-4050	708	8	et	et	PROPN
fsr-4050	708	9	al	al	PROPN
fsr-4050	708	10	.	.	PROPN
fsr-4050	709	1	47	47	NUM
fsr-4050	709	2	ob2	ob2	NOUN
fsr-4050	709	3	if	if	SCONJ
fsr-4050	709	4	interest	interest	NOUN
fsr-4050	709	5	rates	rate	NOUN
fsr-4050	709	6	rise	rise	VERB
fsr-4050	709	7	,	,	PUNCT
fsr-4050	709	8	what	what	PRON
fsr-4050	709	9	should	should	AUX
fsr-4050	709	10	happen	happen	VERB
fsr-4050	709	11	to	to	PART
fsr-4050	709	12	bond	bond	NOUN
fsr-4050	709	13	prices	price	NOUN
fsr-4050	709	14	?	?	PUNCT
fsr-4050	710	1	ob3	ob3	VERB
fsr-4050	710	2	considering	consider	VERB
fsr-4050	710	3	a	a	DET
fsr-4050	710	4	long	long	ADJ
fsr-4050	710	5	time	time	NOUN
fsr-4050	710	6	period	period	NOUN
fsr-4050	710	7	(	(	PUNCT
fsr-4050	710	8	e.g.	e.g.	ADV
fsr-4050	710	9	,10	,10	PUNCT
fsr-4050	710	10	or	or	CCONJ
fsr-4050	710	11	20	20	NUM
fsr-4050	710	12	years	year	NOUN
fsr-4050	710	13	)	)	PUNCT
fsr-4050	710	14	,	,	PUNCT
fsr-4050	710	15	which	which	PRON
fsr-4050	710	16	asset	asset	NOUN
fsr-4050	710	17	described	describe	VERB
fsr-4050	710	18	below	below	ADP
fsr-4050	710	19	normally	normally	ADV
fsr-4050	710	20	gives	give	VERB
fsr-4050	710	21	the	the	DET
fsr-4050	710	22	highest	high	ADJ
fsr-4050	710	23	return	return	NOUN
fsr-4050	710	24	?	?	PUNCT
fsr-4050	711	1	ob4	ob4	NOUN
fsr-4050	711	2	normally	normally	ADV
fsr-4050	711	3	,	,	PUNCT
fsr-4050	711	4	which	which	DET
fsr-4050	711	5	asset	asset	NOUN
fsr-4050	711	6	described	describe	VERB
fsr-4050	711	7	below	below	ADP
fsr-4050	711	8	displays	display	VERB
fsr-4050	711	9	the	the	DET
fsr-4050	711	10	highest	high	ADJ
fsr-4050	711	11	fluctuations	fluctuation	NOUN
fsr-4050	711	12	over	over	ADP
fsr-4050	711	13	time	time	NOUN
fsr-4050	711	14	?	?	PUNCT
fsr-4050	712	1	ob5	ob5	NOUN
fsr-4050	712	2	when	when	SCONJ
fsr-4050	712	3	an	an	DET
fsr-4050	712	4	investor	investor	NOUN
fsr-4050	712	5	spreads	spread	VERB
fsr-4050	712	6	his	his	PRON
fsr-4050	712	7	or	or	CCONJ
fsr-4050	712	8	her	her	PRON
fsr-4050	712	9	money	money	NOUN
fsr-4050	712	10	among	among	ADP
fsr-4050	712	11	different	different	ADJ
fsr-4050	712	12	assets	asset	NOUN
fsr-4050	712	13	,	,	PUNCT
fsr-4050	712	14	does	do	VERB
fsr-4050	712	15	the	the	DET
fsr-4050	712	16	risk	risk	NOUN
fsr-4050	712	17	of	of	ADP
fsr-4050	712	18	losing	lose	VERB
fsr-4050	712	19	a	a	DET
fsr-4050	712	20	lot	lot	NOUN
fsr-4050	712	21	of	of	ADP
fsr-4050	712	22	money	money	NOUN
fsr-4050	712	23	increase	increase	NOUN
fsr-4050	712	24	,	,	PUNCT
fsr-4050	712	25	decrease	decrease	NOUN
fsr-4050	712	26	,	,	PUNCT
fsr-4050	712	27	or	or	CCONJ
fsr-4050	712	28	stay	stay	VERB
fsr-4050	712	29	the	the	DET
fsr-4050	712	30	same	same	ADJ
fsr-4050	712	31	?	?	PUNCT
fsr-4050	713	1	ob6	ob6	PROPN
fsr-4050	713	2	do	do	AUX
fsr-4050	713	3	you	you	PRON
fsr-4050	713	4	think	think	VERB
fsr-4050	713	5	the	the	DET
fsr-4050	713	6	following	follow	VERB
fsr-4050	713	7	statement	statement	NOUN
fsr-4050	713	8	is	be	AUX
fsr-4050	713	9	true	true	ADJ
fsr-4050	713	10	or	or	CCONJ
fsr-4050	713	11	false	false	ADJ
fsr-4050	713	12	?	?	PUNCT
fsr-4050	714	1	"	"	PUNCT
fsr-4050	714	2	if	if	SCONJ
fsr-4050	714	3	you	you	PRON
fsr-4050	714	4	were	be	AUX
fsr-4050	714	5	to	to	PART
fsr-4050	714	6	invest	invest	VERB
fsr-4050	714	7	$	$	SYM
fsr-4050	714	8	1000	1000	NUM
fsr-4050	714	9	in	in	ADP
fsr-4050	714	10	a	a	DET
fsr-4050	714	11	stock	stock	NOUN
fsr-4050	714	12	mutual	mutual	ADJ
fsr-4050	714	13	fund	fund	NOUN
fsr-4050	714	14	,	,	PUNCT
fsr-4050	714	15	it	it	PRON
fsr-4050	714	16	would	would	AUX
fsr-4050	714	17	be	be	AUX
fsr-4050	714	18	possible	possible	ADJ
fsr-4050	714	19	to	to	PART
fsr-4050	714	20	have	have	VERB
fsr-4050	714	21	less	less	ADJ
fsr-4050	714	22	than	than	ADP
fsr-4050	714	23	$	$	SYM
fsr-4050	714	24	1000	1000	NUM
fsr-4050	714	25	when	when	SCONJ
fsr-4050	714	26	you	you	PRON
fsr-4050	714	27	withdraw	withdraw	VERB
fsr-4050	714	28	your	your	PRON
fsr-4050	714	29	money	money	NOUN
fsr-4050	714	30	.	.	PUNCT
fsr-4050	714	31	"	"	PUNCT
fsr-4050	715	1	ob7	ob7	PROPN
fsr-4050	715	2	whole	whole	ADJ
fsr-4050	715	3	life	life	NOUN
fsr-4050	715	4	insurance	insurance	NOUN
fsr-4050	715	5	has	have	VERB
fsr-4050	715	6	a	a	DET
fsr-4050	715	7	savings	saving	NOUN
fsr-4050	715	8	feature	feature	NOUN
fsr-4050	715	9	while	while	SCONJ
fsr-4050	715	10	term	term	NOUN
fsr-4050	715	11	insurance	insurance	NOUN
fsr-4050	715	12	does	do	VERB
fsr-4050	715	13	not	not	PART
fsr-4050	715	14	.	.	PUNCT
fsr-4050	716	1	ob8	ob8	VERB
fsr-4050	716	2	a	a	DET
fsr-4050	716	3	15	15	NUM
fsr-4050	716	4	-	-	PUNCT
fsr-4050	716	5	year	year	NOUN
fsr-4050	716	6	mortgage	mortgage	NOUN
fsr-4050	716	7	typically	typically	ADV
fsr-4050	716	8	requires	require	VERB
fsr-4050	716	9	higher	high	ADJ
fsr-4050	716	10	monthly	monthly	ADJ
fsr-4050	716	11	payments	payment	NOUN
fsr-4050	716	12	than	than	ADP
fsr-4050	716	13	a	a	DET
fsr-4050	716	14	30	30	NUM
fsr-4050	716	15	-	-	PUNCT
fsr-4050	716	16	year	year	NOUN
fsr-4050	716	17	mortgage	mortgage	NOUN
fsr-4050	716	18	,	,	PUNCT
fsr-4050	716	19	but	but	CCONJ
fsr-4050	716	20	the	the	DET
fsr-4050	716	21	total	total	ADJ
fsr-4050	716	22	interest	interest	NOUN
fsr-4050	716	23	paid	pay	VERB
fsr-4050	716	24	over	over	ADP
fsr-4050	716	25	the	the	DET
fsr-4050	716	26	life	life	NOUN
fsr-4050	716	27	of	of	ADP
fsr-4050	716	28	the	the	DET
fsr-4050	716	29	loan	loan	NOUN
fsr-4050	716	30	will	will	AUX
fsr-4050	716	31	be	be	AUX
fsr-4050	716	32	less	less	ADJ
fsr-4050	716	33	.	.	PUNCT
fsr-4050	717	1	ob9	ob9	X
fsr-4050	718	1	housing	housing	NOUN
fsr-4050	718	2	prices	price	NOUN
fsr-4050	718	3	in	in	ADP
fsr-4050	718	4	the	the	DET
fsr-4050	718	5	united	united	PROPN
fsr-4050	718	6	states	states	PROPN
fsr-4050	718	7	can	can	AUX
fsr-4050	718	8	never	never	ADV
fsr-4050	718	9	go	go	VERB
fsr-4050	718	10	down	down	ADV
fsr-4050	718	11	.	.	PUNCT
fsr-4050	719	1	ob10	ob10	PROPN
fsr-4050	719	2	suppose	suppose	VERB
fsr-4050	719	3	you	you	PRON
fsr-4050	719	4	owe	owe	VERB
fsr-4050	719	5	$	$	SYM
fsr-4050	719	6	3,000	3,000	NUM
fsr-4050	719	7	on	on	ADP
fsr-4050	719	8	your	your	PRON
fsr-4050	719	9	credit	credit	NOUN
fsr-4050	719	10	card	card	NOUN
fsr-4050	719	11	.	.	PUNCT
fsr-4050	720	1	you	you	PRON
fsr-4050	720	2	pay	pay	VERB
fsr-4050	720	3	a	a	DET
fsr-4050	720	4	minimum	minimum	ADJ
fsr-4050	720	5	payment	payment	NOUN
fsr-4050	720	6	of	of	ADP
fsr-4050	720	7	$	$	SYM
fsr-4050	720	8	30	30	NUM
fsr-4050	720	9	each	each	DET
fsr-4050	720	10	month	month	NOUN
fsr-4050	720	11	.	.	PUNCT
fsr-4050	721	1	at	at	ADP
fsr-4050	721	2	an	an	DET
fsr-4050	721	3	annual	annual	ADJ
fsr-4050	721	4	percentage	percentage	NOUN
fsr-4050	721	5	rate	rate	NOUN
fsr-4050	721	6	of	of	ADP
fsr-4050	721	7	12	12	NUM
fsr-4050	721	8	%	%	NOUN
fsr-4050	721	9	(	(	PUNCT
fsr-4050	721	10	or	or	CCONJ
fsr-4050	721	11	1	1	NUM
fsr-4050	721	12	%	%	NOUN
fsr-4050	721	13	per	per	ADP
fsr-4050	721	14	month	month	NOUN
fsr-4050	721	15	)	)	PUNCT
fsr-4050	721	16	,	,	PUNCT
fsr-4050	721	17	how	how	SCONJ
fsr-4050	721	18	many	many	ADJ
fsr-4050	721	19	years	year	NOUN
fsr-4050	721	20	would	would	AUX
fsr-4050	721	21	it	it	PRON
fsr-4050	721	22	take	take	VERB
fsr-4050	721	23	to	to	PART
fsr-4050	721	24	eliminate	eliminate	VERB
fsr-4050	721	25	your	your	PRON
fsr-4050	721	26	credit	credit	NOUN
fsr-4050	721	27	card	card	NOUN
fsr-4050	721	28	debt	debt	NOUN
fsr-4050	721	29	if	if	SCONJ
fsr-4050	721	30	you	you	PRON
fsr-4050	721	31	made	make	VERB
fsr-4050	721	32	no	no	DET
fsr-4050	721	33	additional	additional	ADJ
fsr-4050	721	34	new	new	ADJ
fsr-4050	721	35	charges	charge	NOUN
fsr-4050	721	36	?	?	PUNCT
fsr-4050	722	1	subjective	subjective	ADJ
fsr-4050	722	2	financial	financial	ADJ
fsr-4050	722	3	knowledge	knowledge	NOUN
fsr-4050	722	4	sb	sb	PROPN
fsr-4050	723	1	how	how	SCONJ
fsr-4050	723	2	would	would	AUX
fsr-4050	723	3	you	you	PRON
fsr-4050	723	4	assess	assess	VERB
fsr-4050	723	5	your	your	PRON
fsr-4050	723	6	overall	overall	ADJ
fsr-4050	723	7	financial	financial	ADJ
fsr-4050	723	8	knowledge	knowledge	NOUN
fsr-4050	723	9	?	?	PUNCT
fsr-4050	724	1	finra	finra	NOUN
fsr-4050	724	2	(	(	PUNCT
fsr-4050	724	3	2021	2021	NUM
fsr-4050	724	4	)	)	PUNCT