id	sid	tid	token	lemma	pos
fsr-4141	1	1	financial	financial	PROPN
fsr-4141	1	2	services	service	NOUN
fsr-4141	1	3	review	review	NOUN
fsr-4141	1	4	,	,	PUNCT
fsr-4141	1	5	33(3	33(3	NOUN
fsr-4141	1	6	)	)	PUNCT
fsr-4141	1	7	48	48	NUM
fsr-4141	1	8	borrowing	borrowing	NOUN
fsr-4141	1	9	from	from	ADP
fsr-4141	1	10	family	family	NOUN
fsr-4141	1	11	and	and	CCONJ
fsr-4141	1	12	friends	friend	NOUN
fsr-4141	1	13	:	:	PUNCT
fsr-4141	1	14	study	study	NOUN
fsr-4141	1	15	of	of	ADP
fsr-4141	1	16	the	the	DET
fsr-4141	1	17	european	european	PROPN
fsr-4141	1	18	union	union	PROPN
fsr-4141	1	19	sara	sara	PROPN
fsr-4141	1	20	diab,1	diab,1	PROPN
fsr-4141	1	21	mustafa	mustafa	PROPN
fsr-4141	1	22	nourallah,2	nourallah,2	PROPN
fsr-4141	1	23	and	and	CCONJ
fsr-4141	1	24	peter	peter	PROPN
fsr-4141	1	25	öhman3	öhman3	PROPN
fsr-4141	1	26	abstract	abstract	ADJ
fsr-4141	1	27	informal	informal	ADJ
fsr-4141	1	28	borrowing	borrowing	NOUN
fsr-4141	1	29	from	from	ADP
fsr-4141	1	30	family	family	NOUN
fsr-4141	1	31	and	and	CCONJ
fsr-4141	1	32	friends	friend	NOUN
fsr-4141	1	33	suffers	suffer	VERB
fsr-4141	1	34	from	from	ADP
fsr-4141	1	35	the	the	DET
fsr-4141	1	36	lack	lack	NOUN
fsr-4141	1	37	of	of	ADP
fsr-4141	1	38	formal	formal	ADJ
fsr-4141	1	39	agreements	agreement	NOUN
fsr-4141	1	40	and	and	CCONJ
fsr-4141	1	41	can	can	AUX
fsr-4141	1	42	lead	lead	VERB
fsr-4141	1	43	to	to	ADP
fsr-4141	1	44	severe	severe	ADJ
fsr-4141	1	45	consequences	consequence	NOUN
fsr-4141	1	46	.	.	PUNCT
fsr-4141	2	1	self	self	NOUN
fsr-4141	2	2	-	-	PUNCT
fsr-4141	2	3	control	control	NOUN
fsr-4141	2	4	theory	theory	NOUN
fsr-4141	2	5	suggests	suggest	VERB
fsr-4141	2	6	some	some	DET
fsr-4141	2	7	strategies	strategy	NOUN
fsr-4141	2	8	for	for	ADP
fsr-4141	2	9	improving	improve	VERB
fsr-4141	2	10	saving	saving	NOUN
fsr-4141	2	11	tendencies	tendency	NOUN
fsr-4141	2	12	,	,	PUNCT
fsr-4141	2	13	which	which	PRON
fsr-4141	2	14	can	can	AUX
fsr-4141	2	15	reduce	reduce	VERB
fsr-4141	2	16	such	such	ADJ
fsr-4141	2	17	borrowing	borrowing	NOUN
fsr-4141	2	18	.	.	PUNCT
fsr-4141	3	1	to	to	PART
fsr-4141	3	2	examine	examine	VERB
fsr-4141	3	3	what	what	PRON
fsr-4141	3	4	factors	factor	NOUN
fsr-4141	3	5	can	can	AUX
fsr-4141	3	6	enhance	enhance	VERB
fsr-4141	3	7	these	these	DET
fsr-4141	3	8	strategies	strategy	NOUN
fsr-4141	3	9	in	in	ADP
fsr-4141	3	10	the	the	DET
fsr-4141	3	11	european	european	PROPN
fsr-4141	3	12	union	union	PROPN
fsr-4141	3	13	,	,	PUNCT
fsr-4141	3	14	this	this	DET
fsr-4141	3	15	study	study	NOUN
fsr-4141	3	16	analyzes	analyze	VERB
fsr-4141	3	17	balanced	balanced	ADJ
fsr-4141	3	18	panel	panel	NOUN
fsr-4141	3	19	data	datum	NOUN
fsr-4141	3	20	from	from	ADP
fsr-4141	3	21	the	the	DET
fsr-4141	3	22	global	global	ADJ
fsr-4141	3	23	findex	findex	NOUN
fsr-4141	3	24	and	and	CCONJ
fsr-4141	3	25	eurostat	eurostat	PROPN
fsr-4141	3	26	databases	database	NOUN
fsr-4141	3	27	for	for	ADP
fsr-4141	3	28	the	the	DET
fsr-4141	3	29	years	year	NOUN
fsr-4141	3	30	2014	2014	NUM
fsr-4141	3	31	,	,	PUNCT
fsr-4141	3	32	2017	2017	NUM
fsr-4141	3	33	,	,	PUNCT
fsr-4141	3	34	and	and	CCONJ
fsr-4141	3	35	2021	2021	NUM
fsr-4141	3	36	,	,	PUNCT
fsr-4141	3	37	identifying	identify	VERB
fsr-4141	3	38	a	a	DET
fsr-4141	3	39	pivotal	pivotal	ADJ
fsr-4141	3	40	role	role	NOUN
fsr-4141	3	41	for	for	ADP
fsr-4141	3	42	debit	debit	NOUN
fsr-4141	3	43	card	card	NOUN
fsr-4141	3	44	use	use	NOUN
fsr-4141	3	45	and	and	CCONJ
fsr-4141	3	46	saving	save	VERB
fsr-4141	3	47	behavior	behavior	NOUN
fsr-4141	3	48	in	in	ADP
fsr-4141	3	49	addressing	address	VERB
fsr-4141	3	50	informal	informal	ADJ
fsr-4141	3	51	borrowing	borrowing	NOUN
fsr-4141	3	52	.	.	PUNCT
fsr-4141	4	1	the	the	DET
fsr-4141	4	2	study	study	NOUN
fsr-4141	4	3	also	also	ADV
fsr-4141	4	4	raises	raise	VERB
fsr-4141	4	5	questions	question	NOUN
fsr-4141	4	6	about	about	ADP
fsr-4141	4	7	the	the	DET
fsr-4141	4	8	effectiveness	effectiveness	NOUN
fsr-4141	4	9	of	of	ADP
fsr-4141	4	10	public	public	ADJ
fsr-4141	4	11	financial	financial	ADJ
fsr-4141	4	12	education	education	NOUN
fsr-4141	4	13	and	and	CCONJ
fsr-4141	4	14	emphasizes	emphasize	VERB
fsr-4141	4	15	the	the	DET
fsr-4141	4	16	importance	importance	NOUN
fsr-4141	4	17	of	of	ADP
fsr-4141	4	18	improving	improve	VERB
fsr-4141	4	19	related	related	ADJ
fsr-4141	4	20	policies	policy	NOUN
fsr-4141	4	21	in	in	ADP
fsr-4141	4	22	the	the	DET
fsr-4141	4	23	fintech	fintech	NOUN
fsr-4141	4	24	landscape	landscape	NOUN
fsr-4141	4	25	.	.	PUNCT
fsr-4141	5	1	by	by	ADP
fsr-4141	5	2	elucidating	elucidate	VERB
fsr-4141	5	3	these	these	DET
fsr-4141	5	4	findings	finding	NOUN
fsr-4141	5	5	,	,	PUNCT
fsr-4141	5	6	this	this	DET
fsr-4141	5	7	paper	paper	NOUN
fsr-4141	5	8	deepens	deepen	VERB
fsr-4141	5	9	our	our	PRON
fsr-4141	5	10	knowledge	knowledge	NOUN
fsr-4141	5	11	of	of	ADP
fsr-4141	5	12	the	the	DET
fsr-4141	5	13	relationship	relationship	NOUN
fsr-4141	5	14	between	between	ADP
fsr-4141	5	15	debit	debit	NOUN
fsr-4141	5	16	card	card	NOUN
fsr-4141	5	17	use	use	NOUN
fsr-4141	5	18	and	and	CCONJ
fsr-4141	5	19	borrowing	borrowing	NOUN
fsr-4141	5	20	practices	practice	NOUN
fsr-4141	5	21	in	in	ADP
fsr-4141	5	22	the	the	DET
fsr-4141	5	23	european	european	PROPN
fsr-4141	5	24	union	union	PROPN
fsr-4141	5	25	.	.	PUNCT
fsr-4141	6	1	creative	creative	ADJ
fsr-4141	6	2	commons	commons	PROPN
fsr-4141	6	3	license	license	NOUN
fsr-4141	6	4	this	this	DET
fsr-4141	6	5	work	work	NOUN
fsr-4141	6	6	is	be	AUX
fsr-4141	6	7	licensed	license	VERB
fsr-4141	6	8	under	under	ADP
fsr-4141	6	9	a	a	DET
fsr-4141	6	10	creative	creative	ADJ
fsr-4141	6	11	commons	common	NOUN
fsr-4141	6	12	attribution	attribution	NOUN
fsr-4141	6	13	-	-	PUNCT
fsr-4141	6	14	noncommercial	noncommercial	ADJ
fsr-4141	6	15	4.0	4.0	NUM
fsr-4141	6	16	license	license	NOUN
fsr-4141	6	17	recommended	recommend	VERB
fsr-4141	6	18	citation	citation	NOUN
fsr-4141	6	19	diab	diab	PROPN
fsr-4141	6	20	,	,	PUNCT
fsr-4141	6	21	s.	s.	PROPN
fsr-4141	6	22	,	,	PUNCT
fsr-4141	6	23	nourallah	nourallah	ADJ
fsr-4141	6	24	,	,	PUNCT
fsr-4141	6	25	m.	m.	NOUN
fsr-4141	6	26	&	&	CCONJ
fsr-4141	6	27	öhman	öhman	PROPN
fsr-4141	6	28	,	,	PUNCT
fsr-4141	6	29	p.	p.	NOUN
fsr-4141	6	30	(	(	PUNCT
fsr-4141	6	31	2025	2025	NUM
fsr-4141	6	32	)	)	PUNCT
fsr-4141	6	33	.	.	PUNCT
fsr-4141	7	1	borrowing	borrow	VERB
fsr-4141	7	2	from	from	ADP
fsr-4141	7	3	family	family	NOUN
fsr-4141	7	4	and	and	CCONJ
fsr-4141	7	5	friends	friend	NOUN
fsr-4141	7	6	:	:	PUNCT
fsr-4141	7	7	study	study	NOUN
fsr-4141	7	8	of	of	ADP
fsr-4141	7	9	the	the	DET
fsr-4141	7	10	european	european	PROPN
fsr-4141	7	11	union	union	PROPN
fsr-4141	7	12	.	.	PUNCT
fsr-4141	8	1	financial	financial	ADJ
fsr-4141	8	2	services	service	NOUN
fsr-4141	8	3	review	review	NOUN
fsr-4141	8	4	,	,	PUNCT
fsr-4141	8	5	33(3	33(3	NOUN
fsr-4141	8	6	)	)	PUNCT
fsr-4141	8	7	,	,	PUNCT
fsr-4141	8	8	48	48	NUM
fsr-4141	8	9	-	-	SYM
fsr-4141	8	10	60	60	NUM
fsr-4141	8	11	.	.	PUNCT
fsr-4141	9	1	introduction	introduction	NOUN
fsr-4141	9	2	borrowing	borrowing	NOUN
fsr-4141	9	3	is	be	AUX
fsr-4141	9	4	a	a	DET
fsr-4141	9	5	central	central	ADJ
fsr-4141	9	6	theme	theme	NOUN
fsr-4141	9	7	in	in	ADP
fsr-4141	9	8	human	human	ADJ
fsr-4141	9	9	history	history	NOUN
fsr-4141	9	10	.	.	PUNCT
fsr-4141	10	1	while	while	SCONJ
fsr-4141	10	2	individuals	individual	NOUN
fsr-4141	10	3	in	in	ADP
fsr-4141	10	4	ancient	ancient	ADJ
fsr-4141	10	5	societies	society	NOUN
fsr-4141	10	6	relied	rely	VERB
fsr-4141	10	7	extensively	extensively	ADV
fsr-4141	10	8	on	on	ADP
fsr-4141	10	9	borrowing	borrow	VERB
fsr-4141	10	10	from	from	ADP
fsr-4141	10	11	their	their	PRON
fsr-4141	10	12	communities	community	NOUN
fsr-4141	10	13	,	,	PUNCT
fsr-4141	10	14	modern	modern	ADJ
fsr-4141	10	15	history	history	NOUN
fsr-4141	10	16	has	have	AUX
fsr-4141	10	17	been	be	AUX
fsr-4141	10	18	characterized	characterize	VERB
fsr-4141	10	19	by	by	ADP
fsr-4141	10	20	borrowing	borrow	VERB
fsr-4141	10	21	from	from	ADP
fsr-4141	10	22	financial	financial	ADJ
fsr-4141	10	23	institutions	institution	NOUN
fsr-4141	10	24	.	.	PUNCT
fsr-4141	11	1	a	a	DET
fsr-4141	11	2	problem	problem	NOUN
fsr-4141	11	3	is	be	AUX
fsr-4141	11	4	that	that	SCONJ
fsr-4141	11	5	the	the	PRON
fsr-4141	11	6	lower	low	ADJ
fsr-4141	11	7	the	the	DET
fsr-4141	11	8	ability	ability	NOUN
fsr-4141	11	9	of	of	ADP
fsr-4141	11	10	households	household	NOUN
fsr-4141	11	11	to	to	PART
fsr-4141	11	12	access	access	VERB
fsr-4141	11	13	formal	formal	ADJ
fsr-4141	11	14	financial	financial	ADJ
fsr-4141	11	15	credit	credit	NOUN
fsr-4141	11	16	,	,	PUNCT
fsr-4141	11	17	the	the	PRON
fsr-4141	11	18	greater	great	ADJ
fsr-4141	11	19	their	their	PRON
fsr-4141	11	20	likelihood	likelihood	NOUN
fsr-4141	11	21	of	of	ADP
fsr-4141	11	22	encountering	encounter	VERB
fsr-4141	11	23	financial	financial	ADJ
fsr-4141	11	24	issues	issue	NOUN
fsr-4141	11	25	.	.	PUNCT
fsr-4141	12	1	in	in	ADP
fsr-4141	12	2	such	such	ADJ
fsr-4141	12	3	situations	situation	NOUN
fsr-4141	12	4	,	,	PUNCT
fsr-4141	12	5	households	household	NOUN
fsr-4141	12	6	may	may	AUX
fsr-4141	12	7	be	be	AUX
fsr-4141	12	8	forced	force	VERB
fsr-4141	12	9	to	to	PART
fsr-4141	12	10	seek	seek	VERB
fsr-4141	12	11	financing	financing	NOUN
fsr-4141	12	12	from	from	ADP
fsr-4141	12	13	nearby	nearby	ADJ
fsr-4141	12	14	communities	community	NOUN
fsr-4141	12	15	,	,	PUNCT
fsr-4141	12	16	such	such	ADJ
fsr-4141	12	17	as	as	ADP
fsr-4141	12	18	family	family	NOUN
fsr-4141	12	19	and	and	CCONJ
fsr-4141	12	20	friends	friend	NOUN
fsr-4141	12	21	(	(	PUNCT
fsr-4141	12	22	lee	lee	PROPN
fsr-4141	12	23	&	&	CCONJ
fsr-4141	12	24	persson	persson	PROPN
fsr-4141	12	25	,	,	PUNCT
fsr-4141	12	26	2016	2016	NUM
fsr-4141	12	27	)	)	PUNCT
fsr-4141	12	28	.	.	PUNCT
fsr-4141	13	1	seeking	seek	VERB
fsr-4141	13	2	informal	informal	ADJ
fsr-4141	13	3	loans	loan	NOUN
fsr-4141	13	4	can	can	AUX
fsr-4141	13	5	thus	thus	ADV
fsr-4141	13	6	be	be	AUX
fsr-4141	13	7	perceived	perceive	VERB
fsr-4141	13	8	as	as	ADP
fsr-4141	13	9	an	an	DET
fsr-4141	13	10	indicator	indicator	NOUN
fsr-4141	13	11	of	of	ADP
fsr-4141	13	12	less	less	ADV
fsr-4141	13	13	favorable	favorable	ADJ
fsr-4141	13	14	socioeconomic	socioeconomic	ADJ
fsr-4141	13	15	conditions	condition	NOUN
fsr-4141	13	16	.	.	PUNCT
fsr-4141	14	1	1	1	NUM
fsr-4141	14	2	corresponding	correspond	VERB
fsr-4141	14	3	author	author	NOUN
fsr-4141	14	4	(	(	PUNCT
fsr-4141	14	5	sara.diab711@gmail.com	sara.diab711@gmail.com	PROPN
fsr-4141	14	6	)	)	PUNCT
fsr-4141	14	7	,	,	PUNCT
fsr-4141	14	8	lebanese	lebanese	ADJ
fsr-4141	14	9	american	american	PROPN
fsr-4141	14	10	university	university	PROPN
fsr-4141	14	11	,	,	PUNCT
fsr-4141	14	12	beirut	beirut	PROPN
fsr-4141	14	13	,	,	PUNCT
fsr-4141	14	14	lebanon	lebanon	PROPN
fsr-4141	14	15	.	.	PROPN
fsr-4141	14	16	2	2	NUM
fsr-4141	14	17	mustafa.nourallah@miun.se	mustafa.nourallah@miun.se	ADJ
fsr-4141	14	18	,	,	PUNCT
fsr-4141	14	19	mid	mid	PROPN
fsr-4141	14	20	sweden	sweden	PROPN
fsr-4141	14	21	university	university	PROPN
fsr-4141	14	22	,	,	PUNCT
fsr-4141	14	23	sundsvall	sundsvall	PROPN
fsr-4141	14	24	,	,	PUNCT
fsr-4141	14	25	sweden	sweden	PROPN
fsr-4141	14	26	.	.	PROPN
fsr-4141	14	27	3	3	NUM
fsr-4141	14	28	peter.ohman@miun.se	peter.ohman@miun.se	NOUN
fsr-4141	14	29	,	,	PUNCT
fsr-4141	14	30	mid	mid	PROPN
fsr-4141	14	31	sweden	sweden	PROPN
fsr-4141	14	32	university	university	PROPN
fsr-4141	14	33	,	,	PUNCT
fsr-4141	14	34	sundsvall	sundsvall	PROPN
fsr-4141	14	35	,	,	PUNCT
fsr-4141	14	36	sweden	sweden	PROPN
fsr-4141	14	37	.	.	PUNCT
fsr-4141	14	38	borrowing	borrow	VERB
fsr-4141	14	39	from	from	ADP
fsr-4141	14	40	family	family	NOUN
fsr-4141	14	41	and	and	CCONJ
fsr-4141	14	42	friends	friend	NOUN
fsr-4141	14	43	can	can	AUX
fsr-4141	14	44	be	be	AUX
fsr-4141	14	45	beneficial	beneficial	ADJ
fsr-4141	14	46	but	but	CCONJ
fsr-4141	14	47	also	also	ADV
fsr-4141	14	48	lead	lead	VERB
fsr-4141	14	49	to	to	ADP
fsr-4141	14	50	adverse	adverse	ADJ
fsr-4141	14	51	outcomes	outcome	NOUN
fsr-4141	14	52	,	,	PUNCT
fsr-4141	14	53	including	include	VERB
fsr-4141	14	54	potential	potential	ADJ
fsr-4141	14	55	personal	personal	ADJ
fsr-4141	14	56	conflicts	conflict	NOUN
fsr-4141	14	57	.	.	PUNCT
fsr-4141	15	1	additionally	additionally	ADV
fsr-4141	15	2	,	,	PUNCT
fsr-4141	15	3	such	such	ADJ
fsr-4141	15	4	arrangements	arrangement	NOUN
fsr-4141	15	5	often	often	ADV
fsr-4141	15	6	lack	lack	VERB
fsr-4141	15	7	the	the	DET
fsr-4141	15	8	flexibility	flexibility	NOUN
fsr-4141	15	9	to	to	PART
fsr-4141	15	10	be	be	AUX
fsr-4141	15	11	rescheduled	reschedule	VERB
fsr-4141	15	12	(	(	PUNCT
fsr-4141	15	13	karaivanov	karaivanov	PROPN
fsr-4141	15	14	&	&	CCONJ
fsr-4141	15	15	kessler	kessler	PROPN
fsr-4141	15	16	,	,	PUNCT
fsr-4141	15	17	2018	2018	NUM
fsr-4141	15	18	)	)	PUNCT
fsr-4141	15	19	,	,	PUNCT
fsr-4141	15	20	and	and	CCONJ
fsr-4141	15	21	in	in	ADP
fsr-4141	15	22	the	the	DET
fsr-4141	15	23	event	event	NOUN
fsr-4141	15	24	of	of	ADP
fsr-4141	15	25	default	default	NOUN
fsr-4141	15	26	,	,	PUNCT
fsr-4141	15	27	such	such	ADJ
fsr-4141	15	28	borrowing	borrowing	NOUN
fsr-4141	15	29	may	may	AUX
fsr-4141	15	30	result	result	VERB
fsr-4141	15	31	in	in	ADP
fsr-4141	15	32	financial	financial	ADJ
fsr-4141	15	33	instability	instability	NOUN
fsr-4141	15	34	for	for	ADP
fsr-4141	15	35	the	the	DET
fsr-4141	15	36	lending	lending	NOUN
fsr-4141	15	37	party	party	NOUN
fsr-4141	15	38	(	(	PUNCT
fsr-4141	15	39	blanc	blanc	NOUN
fsr-4141	15	40	et	et	PROPN
fsr-4141	15	41	al	al	PROPN
fsr-4141	15	42	.	.	PROPN
fsr-4141	15	43	,	,	PUNCT
fsr-4141	15	44	2015	2015	NUM
fsr-4141	15	45	)	)	PUNCT
fsr-4141	15	46	.	.	PUNCT
fsr-4141	16	1	between	between	ADP
fsr-4141	16	2	2017	2017	NUM
fsr-4141	16	3	and	and	CCONJ
fsr-4141	16	4	2021	2021	NUM
fsr-4141	16	5	,	,	PUNCT
fsr-4141	16	6	there	there	PRON
fsr-4141	16	7	was	be	VERB
fsr-4141	16	8	a	a	DET
fsr-4141	16	9	notable	notable	ADJ
fsr-4141	16	10	rise	rise	NOUN
fsr-4141	16	11	in	in	ADP
fsr-4141	16	12	borrowing	borrowing	NOUN
fsr-4141	16	13	from	from	ADP
fsr-4141	16	14	family	family	NOUN
fsr-4141	16	15	and	and	CCONJ
fsr-4141	16	16	friends	friend	NOUN
fsr-4141	16	17	in	in	ADP
fsr-4141	16	18	parts	part	NOUN
fsr-4141	16	19	of	of	ADP
fsr-4141	16	20	the	the	DET
fsr-4141	16	21	european	european	PROPN
fsr-4141	16	22	union	union	PROPN
fsr-4141	16	23	(	(	PUNCT
fsr-4141	16	24	eu	eu	PROPN
fsr-4141	16	25	)	)	PUNCT
fsr-4141	16	26	.	.	PUNCT
fsr-4141	17	1	for	for	ADP
fsr-4141	17	2	example	example	NOUN
fsr-4141	17	3	,	,	PUNCT
fsr-4141	17	4	there	there	PRON
fsr-4141	17	5	was	be	VERB
fsr-4141	17	6	a	a	DET
fsr-4141	17	7	73.33	73.33	NUM
fsr-4141	17	8	%	%	NOUN
fsr-4141	17	9	increase	increase	NOUN
fsr-4141	17	10	in	in	ADP
fsr-4141	17	11	such	such	ADJ
fsr-4141	17	12	borrowing	borrowing	NOUN
fsr-4141	17	13	in	in	ADP
fsr-4141	17	14	greece	greece	PROPN
fsr-4141	17	15	(	(	PUNCT
fsr-4141	17	16	demirgüç	demirgüç	PROPN
fsr-4141	17	17	-	-	PUNCT
fsr-4141	17	18	kunt	kunt	PROPN
fsr-4141	17	19	et	et	PROPN
fsr-4141	17	20	al	al	PROPN
fsr-4141	17	21	.	.	PROPN
fsr-4141	17	22	,	,	PUNCT
fsr-4141	17	23	2022	2022	NUM
fsr-4141	17	24	)	)	PUNCT
fsr-4141	17	25	.	.	PUNCT
fsr-4141	18	1	this	this	DET
fsr-4141	18	2	trend	trend	NOUN
fsr-4141	18	3	could	could	AUX
fsr-4141	18	4	be	be	AUX
fsr-4141	18	5	attributed	attribute	VERB
fsr-4141	18	6	to	to	ADP
fsr-4141	18	7	higher	high	ADJ
fsr-4141	18	8	living	living	NOUN
fsr-4141	18	9	costs	cost	NOUN
fsr-4141	18	10	aggravated	aggravate	VERB
fsr-4141	18	11	by	by	ADP
fsr-4141	18	12	external	external	ADJ
fsr-4141	18	13	factors	factor	NOUN
fsr-4141	18	14	,	,	PUNCT
fsr-4141	18	15	which	which	PRON
fsr-4141	18	16	triggered	trigger	VERB
fsr-4141	18	17	a	a	DET
fsr-4141	18	18	surge	surge	NOUN
fsr-4141	18	19	in	in	ADP
fsr-4141	18	20	gas	gas	NOUN
fsr-4141	18	21	prices	price	NOUN
fsr-4141	18	22	and	and	CCONJ
fsr-4141	18	23	led	lead	VERB
fsr-4141	18	24	to	to	ADP
fsr-4141	18	25	high	high	ADJ
fsr-4141	18	26	inflation	inflation	NOUN
fsr-4141	18	27	rates	rate	NOUN
fsr-4141	18	28	.	.	PUNCT
fsr-4141	19	1	https://creativecommons.org/licenses/by-nc/4.0/	https://creativecommons.org/licenses/by-nc/4.0/	PRON
fsr-4141	19	2	mailto:sara.diab711@gmail.com	mailto:sara.diab711@gmail.com	NOUN
fsr-4141	19	3	mailto:mustafa.nourallah@miun.se	mailto:mustafa.nourallah@miun.se	PROPN
fsr-4141	19	4	mailto:peter.ohman@miun.se	mailto:peter.ohman@miun.se	PROPN
fsr-4141	19	5	https://creativecommons.org/licenses/by-nc/4.0/	https://creativecommons.org/licenses/by-nc/4.0/	PROPN
fsr-4141	19	6	diab	diab	PROPN
fsr-4141	19	7	et	et	PROPN
fsr-4141	19	8	al	al	PROPN
fsr-4141	19	9	.	.	PROPN
fsr-4141	19	10	49	49	NUM
fsr-4141	19	11	borrowing	borrowing	NOUN
fsr-4141	19	12	behavior	behavior	NOUN
fsr-4141	19	13	can	can	AUX
fsr-4141	19	14	be	be	AUX
fsr-4141	19	15	related	relate	VERB
fsr-4141	19	16	to	to	ADP
fsr-4141	19	17	self	self	NOUN
fsr-4141	19	18	-	-	PUNCT
fsr-4141	19	19	control	control	NOUN
fsr-4141	19	20	theory	theory	NOUN
fsr-4141	19	21	and	and	CCONJ
fsr-4141	19	22	two	two	NUM
fsr-4141	19	23	related	related	ADJ
fsr-4141	19	24	strategies	strategy	NOUN
fsr-4141	19	25	(	(	PUNCT
fsr-4141	19	26	thaler	thaler	NOUN
fsr-4141	19	27	&	&	CCONJ
fsr-4141	19	28	shefrin	shefrin	NOUN
fsr-4141	19	29	,	,	PUNCT
fsr-4141	19	30	1981	1981	NUM
fsr-4141	19	31	):	):	PUNCT
fsr-4141	19	32	the	the	DET
fsr-4141	19	33	control	control	NOUN
fsr-4141	19	34	-	-	PUNCT
fsr-4141	19	35	based	base	VERB
fsr-4141	19	36	strategy	strategy	NOUN
fsr-4141	19	37	focuses	focus	VERB
fsr-4141	19	38	on	on	ADP
fsr-4141	19	39	households	household	NOUN
fsr-4141	19	40	’	'	PUNCT
fsr-4141	19	41	financial	financial	ADJ
fsr-4141	19	42	management	management	NOUN
fsr-4141	19	43	in	in	ADP
fsr-4141	19	44	order	order	NOUN
fsr-4141	19	45	to	to	PART
fsr-4141	19	46	prevent	prevent	VERB
fsr-4141	19	47	overconsumption	overconsumption	NOUN
fsr-4141	19	48	,	,	PUNCT
fsr-4141	19	49	whereas	whereas	SCONJ
fsr-4141	19	50	the	the	DET
fsr-4141	19	51	incentivebased	incentivebase	VERB
fsr-4141	19	52	strategy	strategy	NOUN
fsr-4141	19	53	concerns	concern	VERB
fsr-4141	19	54	the	the	DET
fsr-4141	19	55	importance	importance	NOUN
fsr-4141	19	56	of	of	ADP
fsr-4141	19	57	saving	save	VERB
fsr-4141	19	58	money	money	NOUN
fsr-4141	19	59	for	for	ADP
fsr-4141	19	60	the	the	DET
fsr-4141	19	61	future	future	NOUN
fsr-4141	19	62	.	.	PUNCT
fsr-4141	20	1	these	these	DET
fsr-4141	20	2	strategies	strategy	NOUN
fsr-4141	20	3	require	require	VERB
fsr-4141	20	4	the	the	DET
fsr-4141	20	5	use	use	NOUN
fsr-4141	20	6	of	of	ADP
fsr-4141	20	7	tools	tool	NOUN
fsr-4141	20	8	,	,	PUNCT
fsr-4141	20	9	and	and	CCONJ
fsr-4141	20	10	financial	financial	ADJ
fsr-4141	20	11	technology	technology	NOUN
fsr-4141	20	12	(	(	PUNCT
fsr-4141	20	13	fintech	fintech	NOUN
fsr-4141	20	14	)	)	PUNCT
fsr-4141	20	15	offers	offer	VERB
fsr-4141	20	16	various	various	ADJ
fsr-4141	20	17	opportunities	opportunity	NOUN
fsr-4141	20	18	to	to	PART
fsr-4141	20	19	help	help	VERB
fsr-4141	20	20	households	household	NOUN
fsr-4141	20	21	manage	manage	VERB
fsr-4141	20	22	their	their	PRON
fsr-4141	20	23	personal	personal	ADJ
fsr-4141	20	24	finances	finance	NOUN
fsr-4141	20	25	.	.	PUNCT
fsr-4141	21	1	debit	debit	NOUN
fsr-4141	21	2	and	and	CCONJ
fsr-4141	21	3	credit	credit	NOUN
fsr-4141	21	4	cards	card	NOUN
fsr-4141	21	5	are	be	AUX
fsr-4141	21	6	commonly	commonly	ADV
fsr-4141	21	7	used	use	VERB
fsr-4141	21	8	fintech	fintech	NOUN
fsr-4141	21	9	tools	tool	NOUN
fsr-4141	21	10	,	,	PUNCT
fsr-4141	21	11	and	and	CCONJ
fsr-4141	21	12	their	their	PRON
fsr-4141	21	13	use	use	NOUN
fsr-4141	21	14	has	have	AUX
fsr-4141	21	15	grown	grow	VERB
fsr-4141	21	16	remarkably	remarkably	ADV
fsr-4141	21	17	in	in	ADP
fsr-4141	21	18	households	household	NOUN
fsr-4141	21	19	.	.	PUNCT
fsr-4141	22	1	demirgüç	demirgüç	PROPN
fsr-4141	22	2	-	-	PUNCT
fsr-4141	22	3	kunt	kunt	PROPN
fsr-4141	22	4	et	et	PROPN
fsr-4141	22	5	al	al	PROPN
fsr-4141	22	6	.	.	PROPN
fsr-4141	23	1	(	(	PUNCT
fsr-4141	23	2	2022	2022	NUM
fsr-4141	23	3	)	)	PUNCT
fsr-4141	23	4	surveyed	survey	VERB
fsr-4141	23	5	debit	debit	NOUN
fsr-4141	23	6	card	card	NOUN
fsr-4141	23	7	use	use	NOUN
fsr-4141	23	8	by	by	ADP
fsr-4141	23	9	european	european	ADJ
fsr-4141	23	10	households	household	NOUN
fsr-4141	23	11	,	,	PUNCT
fsr-4141	23	12	reporting	report	VERB
fsr-4141	23	13	an	an	DET
fsr-4141	23	14	increase	increase	NOUN
fsr-4141	23	15	from	from	ADP
fsr-4141	23	16	68	68	NUM
fsr-4141	23	17	%	%	NOUN
fsr-4141	23	18	in	in	ADP
fsr-4141	23	19	2011	2011	NUM
fsr-4141	23	20	to	to	ADP
fsr-4141	23	21	88	88	NUM
fsr-4141	23	22	%	%	NOUN
fsr-4141	23	23	in	in	ADP
fsr-4141	23	24	2021	2021	NUM
fsr-4141	23	25	.	.	PUNCT
fsr-4141	24	1	using	use	VERB
fsr-4141	24	2	debit	debit	NOUN
fsr-4141	24	3	cards	card	NOUN
fsr-4141	24	4	can	can	AUX
fsr-4141	24	5	help	help	VERB
fsr-4141	24	6	households	household	NOUN
fsr-4141	24	7	in	in	ADP
fsr-4141	24	8	two	two	NUM
fsr-4141	24	9	ways	way	NOUN
fsr-4141	24	10	:	:	PUNCT
fsr-4141	24	11	first	first	ADV
fsr-4141	24	12	,	,	PUNCT
fsr-4141	24	13	to	to	PART
fsr-4141	24	14	enforce	enforce	VERB
fsr-4141	24	15	a	a	DET
fsr-4141	24	16	reasonable	reasonable	ADJ
fsr-4141	24	17	spending	spending	NOUN
fsr-4141	24	18	limit	limit	NOUN
fsr-4141	24	19	and	and	CCONJ
fsr-4141	24	20	,	,	PUNCT
fsr-4141	24	21	second	second	ADJ
fsr-4141	24	22	,	,	PUNCT
fsr-4141	24	23	to	to	PART
fsr-4141	24	24	establish	establish	VERB
fsr-4141	24	25	and	and	CCONJ
fsr-4141	24	26	adhere	adhere	VERB
fsr-4141	24	27	to	to	ADP
fsr-4141	24	28	a	a	DET
fsr-4141	24	29	saving	saving	NOUN
fsr-4141	24	30	plan	plan	NOUN
fsr-4141	24	31	.	.	PUNCT
fsr-4141	25	1	nourallah	nourallah	PROPN
fsr-4141	25	2	et	et	PROPN
fsr-4141	25	3	al	al	PROPN
fsr-4141	25	4	.	.	PROPN
fsr-4141	26	1	(	(	PUNCT
fsr-4141	26	2	2024	2024	NUM
fsr-4141	26	3	)	)	PUNCT
fsr-4141	26	4	reported	report	VERB
fsr-4141	26	5	that	that	SCONJ
fsr-4141	26	6	debit	debit	NOUN
fsr-4141	26	7	card	card	NOUN
fsr-4141	26	8	use	use	NOUN
fsr-4141	26	9	would	would	AUX
fsr-4141	26	10	likely	likely	ADV
fsr-4141	26	11	enhance	enhance	VERB
fsr-4141	26	12	financial	financial	ADJ
fsr-4141	26	13	capabilities	capability	NOUN
fsr-4141	26	14	,	,	PUNCT
fsr-4141	26	15	and	and	CCONJ
fsr-4141	26	16	stango	stango	NOUN
fsr-4141	26	17	and	and	CCONJ
fsr-4141	26	18	zinman	zinman	NOUN
fsr-4141	26	19	(	(	PUNCT
fsr-4141	26	20	2023	2023	NUM
fsr-4141	26	21	)	)	PUNCT
fsr-4141	26	22	argued	argue	VERB
fsr-4141	26	23	that	that	SCONJ
fsr-4141	26	24	education	education	NOUN
fsr-4141	26	25	was	be	AUX
fsr-4141	26	26	a	a	DET
fsr-4141	26	27	crucial	crucial	ADJ
fsr-4141	26	28	factor	factor	NOUN
fsr-4141	26	29	enhancing	enhance	VERB
fsr-4141	26	30	cognitive	cognitive	ADJ
fsr-4141	26	31	skills	skill	NOUN
fsr-4141	26	32	,	,	PUNCT
fsr-4141	26	33	which	which	PRON
fsr-4141	26	34	in	in	ADP
fsr-4141	26	35	turn	turn	NOUN
fsr-4141	26	36	could	could	AUX
fsr-4141	26	37	mitigate	mitigate	VERB
fsr-4141	26	38	the	the	DET
fsr-4141	26	39	biases	bias	NOUN
fsr-4141	26	40	that	that	PRON
fsr-4141	26	41	usually	usually	ADV
fsr-4141	26	42	affect	affect	VERB
fsr-4141	26	43	financial	financial	ADJ
fsr-4141	26	44	decisions	decision	NOUN
fsr-4141	26	45	.	.	PUNCT
fsr-4141	27	1	when	when	SCONJ
fsr-4141	27	2	examining	examine	VERB
fsr-4141	27	3	borrowing	borrowing	NOUN
fsr-4141	27	4	from	from	ADP
fsr-4141	27	5	family	family	NOUN
fsr-4141	27	6	and	and	CCONJ
fsr-4141	27	7	friends	friend	NOUN
fsr-4141	27	8	,	,	PUNCT
fsr-4141	27	9	focusing	focus	VERB
fsr-4141	27	10	on	on	ADP
fsr-4141	27	11	the	the	DET
fsr-4141	27	12	eu	eu	PROPN
fsr-4141	27	13	rather	rather	ADV
fsr-4141	27	14	than	than	ADP
fsr-4141	27	15	on	on	ADP
fsr-4141	27	16	a	a	DET
fsr-4141	27	17	single	single	ADJ
fsr-4141	27	18	country	country	NOUN
fsr-4141	27	19	is	be	AUX
fsr-4141	27	20	essential	essential	ADJ
fsr-4141	27	21	due	due	ADP
fsr-4141	27	22	to	to	ADP
fsr-4141	27	23	the	the	DET
fsr-4141	27	24	interconnected	interconnected	ADJ
fsr-4141	27	25	nature	nature	NOUN
fsr-4141	27	26	of	of	ADP
fsr-4141	27	27	the	the	DET
fsr-4141	27	28	economies	economy	NOUN
fsr-4141	27	29	of	of	ADP
fsr-4141	27	30	eu	eu	PROPN
fsr-4141	27	31	member	member	NOUN
fsr-4141	27	32	states	state	NOUN
fsr-4141	27	33	.	.	PUNCT
fsr-4141	28	1	external	external	ADJ
fsr-4141	28	2	shocks	shock	NOUN
fsr-4141	28	3	,	,	PUNCT
fsr-4141	28	4	economic	economic	ADJ
fsr-4141	28	5	conditions	condition	NOUN
fsr-4141	28	6	,	,	PUNCT
fsr-4141	28	7	and	and	CCONJ
fsr-4141	28	8	policy	policy	NOUN
fsr-4141	28	9	decisions	decision	NOUN
fsr-4141	28	10	in	in	ADP
fsr-4141	28	11	one	one	NUM
fsr-4141	28	12	country	country	NOUN
fsr-4141	28	13	can	can	AUX
fsr-4141	28	14	have	have	VERB
fsr-4141	28	15	significant	significant	ADJ
fsr-4141	28	16	effects	effect	NOUN
fsr-4141	28	17	across	across	ADP
fsr-4141	28	18	the	the	DET
fsr-4141	28	19	entire	entire	ADJ
fsr-4141	28	20	union	union	NOUN
fsr-4141	28	21	(	(	PUNCT
fsr-4141	28	22	nourallah	nourallah	PROPN
fsr-4141	28	23	et	et	PROPN
fsr-4141	28	24	al	al	PROPN
fsr-4141	28	25	.	.	PROPN
fsr-4141	28	26	,	,	PUNCT
fsr-4141	28	27	2024	2024	NUM
fsr-4141	28	28	)	)	PUNCT
fsr-4141	28	29	.	.	PUNCT
fsr-4141	29	1	by	by	ADP
fsr-4141	29	2	evaluating	evaluate	VERB
fsr-4141	29	3	data	datum	NOUN
fsr-4141	29	4	from	from	ADP
fsr-4141	29	5	various	various	ADJ
fsr-4141	29	6	countries	country	NOUN
fsr-4141	29	7	in	in	ADP
fsr-4141	29	8	the	the	DET
fsr-4141	29	9	eu	eu	PROPN
fsr-4141	29	10	,	,	PUNCT
fsr-4141	29	11	we	we	PRON
fsr-4141	29	12	can	can	AUX
fsr-4141	29	13	identify	identify	VERB
fsr-4141	29	14	broader	broad	ADJ
fsr-4141	29	15	trends	trend	NOUN
fsr-4141	29	16	that	that	PRON
fsr-4141	29	17	might	might	AUX
fsr-4141	29	18	not	not	PART
fsr-4141	29	19	be	be	AUX
fsr-4141	29	20	apparent	apparent	ADJ
fsr-4141	29	21	when	when	SCONJ
fsr-4141	29	22	studying	study	VERB
fsr-4141	29	23	an	an	DET
fsr-4141	29	24	individual	individual	ADJ
fsr-4141	29	25	country	country	NOUN
fsr-4141	29	26	,	,	PUNCT
fsr-4141	29	27	enabling	enable	VERB
fsr-4141	29	28	the	the	DET
fsr-4141	29	29	implementation	implementation	NOUN
fsr-4141	29	30	of	of	ADP
fsr-4141	29	31	more	more	ADV
fsr-4141	29	32	effective	effective	ADJ
fsr-4141	29	33	policies	policy	NOUN
fsr-4141	29	34	to	to	PART
fsr-4141	29	35	help	help	VERB
fsr-4141	29	36	individuals	individual	NOUN
fsr-4141	29	37	and	and	CCONJ
fsr-4141	29	38	households	household	NOUN
fsr-4141	29	39	overcome	overcome	VERB
fsr-4141	29	40	financial	financial	ADJ
fsr-4141	29	41	challenges	challenge	NOUN
fsr-4141	29	42	.	.	PUNCT
fsr-4141	30	1	we	we	PRON
fsr-4141	30	2	further	far	ADV
fsr-4141	30	3	argue	argue	VERB
fsr-4141	30	4	that	that	SCONJ
fsr-4141	30	5	it	it	PRON
fsr-4141	30	6	is	be	AUX
fsr-4141	30	7	vital	vital	ADJ
fsr-4141	30	8	to	to	PART
fsr-4141	30	9	focus	focus	VERB
fsr-4141	30	10	on	on	ADP
fsr-4141	30	11	factors	factor	NOUN
fsr-4141	30	12	that	that	PRON
fsr-4141	30	13	can	can	AUX
fsr-4141	30	14	mitigate	mitigate	VERB
fsr-4141	30	15	the	the	DET
fsr-4141	30	16	negative	negative	ADJ
fsr-4141	30	17	impact	impact	NOUN
fsr-4141	30	18	of	of	ADP
fsr-4141	30	19	borrowing	borrow	VERB
fsr-4141	30	20	from	from	ADP
fsr-4141	30	21	family	family	NOUN
fsr-4141	30	22	and	and	CCONJ
fsr-4141	30	23	friends	friend	NOUN
fsr-4141	30	24	,	,	PUNCT
fsr-4141	30	25	in	in	ADP
fsr-4141	30	26	order	order	NOUN
fsr-4141	30	27	to	to	PART
fsr-4141	30	28	support	support	VERB
fsr-4141	30	29	policymakers	policymaker	NOUN
fsr-4141	30	30	with	with	ADP
fsr-4141	30	31	insights	insight	NOUN
fsr-4141	30	32	into	into	ADP
fsr-4141	30	33	household	household	NOUN
fsr-4141	30	34	financial	financial	ADJ
fsr-4141	30	35	conditions	condition	NOUN
fsr-4141	30	36	in	in	ADP
fsr-4141	30	37	various	various	ADJ
fsr-4141	30	38	eu	eu	PROPN
fsr-4141	30	39	member	member	NOUN
fsr-4141	30	40	states	state	NOUN
fsr-4141	30	41	.	.	PUNCT
fsr-4141	31	1	in	in	ADP
fsr-4141	31	2	this	this	DET
fsr-4141	31	3	regard	regard	NOUN
fsr-4141	31	4	,	,	PUNCT
fsr-4141	31	5	it	it	PRON
fsr-4141	31	6	is	be	AUX
fsr-4141	31	7	important	important	ADJ
fsr-4141	31	8	to	to	PART
fsr-4141	31	9	consider	consider	VERB
fsr-4141	31	10	the	the	DET
fsr-4141	31	11	arguments	argument	NOUN
fsr-4141	31	12	of	of	ADP
fsr-4141	31	13	nourallah	nourallah	NOUN
fsr-4141	31	14	and	and	CCONJ
fsr-4141	31	15	öhman	öhman	NOUN
fsr-4141	31	16	(	(	PUNCT
fsr-4141	31	17	2021	2021	NUM
fsr-4141	31	18	)	)	PUNCT
fsr-4141	31	19	about	about	ADP
fsr-4141	31	20	the	the	DET
fsr-4141	31	21	role	role	NOUN
fsr-4141	31	22	of	of	ADP
fsr-4141	31	23	appropriate	appropriate	ADJ
fsr-4141	31	24	fintech	fintech	NOUN
fsr-4141	31	25	solutions	solution	NOUN
fsr-4141	31	26	and	and	CCONJ
fsr-4141	31	27	of	of	ADP
fsr-4141	31	28	lusardi	lusardi	PROPN
fsr-4141	31	29	et	et	PROPN
fsr-4141	31	30	al	al	PROPN
fsr-4141	31	31	.	.	PROPN
fsr-4141	31	32	(	(	PUNCT
fsr-4141	31	33	2021	2021	NUM
fsr-4141	31	34	)	)	PUNCT
fsr-4141	31	35	about	about	ADP
fsr-4141	31	36	the	the	DET
fsr-4141	31	37	effectiveness	effectiveness	NOUN
fsr-4141	31	38	of	of	ADP
fsr-4141	31	39	savings	saving	NOUN
fsr-4141	31	40	plans	plan	NOUN
fsr-4141	31	41	in	in	ADP
fsr-4141	31	42	helping	help	VERB
fsr-4141	31	43	households	household	NOUN
fsr-4141	31	44	to	to	PART
fsr-4141	31	45	manage	manage	VERB
fsr-4141	31	46	expenses	expense	NOUN
fsr-4141	31	47	and	and	CCONJ
fsr-4141	31	48	minimize	minimize	VERB
fsr-4141	31	49	undesirable	undesirable	ADJ
fsr-4141	31	50	financial	financial	ADJ
fsr-4141	31	51	behavior	behavior	NOUN
fsr-4141	31	52	.	.	PUNCT
fsr-4141	32	1	the	the	DET
fsr-4141	32	2	aim	aim	NOUN
fsr-4141	32	3	of	of	ADP
fsr-4141	32	4	this	this	DET
fsr-4141	32	5	study	study	NOUN
fsr-4141	32	6	is	be	AUX
fsr-4141	32	7	,	,	PUNCT
fsr-4141	32	8	therefore	therefore	ADV
fsr-4141	32	9	,	,	PUNCT
fsr-4141	32	10	to	to	PART
fsr-4141	32	11	empirically	empirically	ADV
fsr-4141	32	12	investigate	investigate	VERB
fsr-4141	32	13	how	how	SCONJ
fsr-4141	32	14	the	the	DET
fsr-4141	32	15	use	use	NOUN
fsr-4141	32	16	of	of	ADP
fsr-4141	32	17	debit	debit	NOUN
fsr-4141	32	18	cards	card	NOUN
fsr-4141	32	19	and	and	CCONJ
fsr-4141	32	20	saving	save	VERB
fsr-4141	32	21	behavior	behavior	NOUN
fsr-4141	32	22	can	can	AUX
fsr-4141	32	23	affect	affect	VERB
fsr-4141	32	24	borrowing	borrow	VERB
fsr-4141	32	25	from	from	ADP
fsr-4141	32	26	family	family	NOUN
fsr-4141	32	27	and	and	CCONJ
fsr-4141	32	28	friends	friend	NOUN
fsr-4141	32	29	in	in	ADP
fsr-4141	32	30	the	the	DET
fsr-4141	32	31	eu	eu	PROPN
fsr-4141	32	32	context	context	NOUN
fsr-4141	32	33	.	.	PUNCT
fsr-4141	33	1	this	this	DET
fsr-4141	33	2	study	study	NOUN
fsr-4141	33	3	also	also	ADV
fsr-4141	33	4	tests	test	VERB
fsr-4141	33	5	intercalibrations	intercalibration	NOUN
fsr-4141	33	6	of	of	ADP
fsr-4141	33	7	other	other	ADJ
fsr-4141	33	8	factors	factor	NOUN
fsr-4141	33	9	that	that	PRON
fsr-4141	33	10	may	may	AUX
fsr-4141	33	11	affect	affect	VERB
fsr-4141	33	12	households	household	NOUN
fsr-4141	33	13	’	'	PUNCT
fsr-4141	33	14	informal	informal	ADJ
fsr-4141	33	15	borrowing	borrowing	NOUN
fsr-4141	33	16	.	.	PUNCT
fsr-4141	34	1	the	the	DET
fsr-4141	34	2	results	result	NOUN
fsr-4141	34	3	suggest	suggest	VERB
fsr-4141	34	4	a	a	DET
fsr-4141	34	5	significant	significant	ADJ
fsr-4141	34	6	effect	effect	NOUN
fsr-4141	34	7	of	of	ADP
fsr-4141	34	8	using	use	VERB
fsr-4141	34	9	debit	debit	NOUN
fsr-4141	34	10	cards	card	NOUN
fsr-4141	34	11	and	and	CCONJ
fsr-4141	34	12	practicing	practice	VERB
fsr-4141	34	13	saving	save	VERB
fsr-4141	34	14	behavior	behavior	NOUN
fsr-4141	34	15	in	in	ADP
fsr-4141	34	16	terms	term	NOUN
fsr-4141	34	17	of	of	ADP
fsr-4141	34	18	controlling	control	VERB
fsr-4141	34	19	borrowing	borrowing	NOUN
fsr-4141	34	20	from	from	ADP
fsr-4141	34	21	family	family	NOUN
fsr-4141	34	22	and	and	CCONJ
fsr-4141	34	23	friends	friend	NOUN
fsr-4141	34	24	.	.	PUNCT
fsr-4141	35	1	however	however	ADV
fsr-4141	35	2	,	,	PUNCT
fsr-4141	35	3	educational	educational	ADJ
fsr-4141	35	4	background	background	NOUN
fsr-4141	35	5	does	do	AUX
fsr-4141	35	6	not	not	PART
fsr-4141	35	7	affect	affect	VERB
fsr-4141	35	8	the	the	DET
fsr-4141	35	9	targeted	target	VERB
fsr-4141	35	10	borrowing	borrowing	NOUN
fsr-4141	35	11	behavior	behavior	NOUN
fsr-4141	35	12	.	.	PUNCT
fsr-4141	36	1	in	in	ADP
fsr-4141	36	2	addition	addition	NOUN
fsr-4141	36	3	,	,	PUNCT
fsr-4141	36	4	it	it	PRON
fsr-4141	36	5	is	be	AUX
fsr-4141	36	6	important	important	ADJ
fsr-4141	36	7	to	to	PART
fsr-4141	36	8	recall	recall	VERB
fsr-4141	36	9	that	that	SCONJ
fsr-4141	36	10	inflation	inflation	NOUN
fsr-4141	36	11	can	can	AUX
fsr-4141	36	12	provoke	provoke	VERB
fsr-4141	36	13	borrowing	borrowing	NOUN
fsr-4141	36	14	behavior	behavior	NOUN
fsr-4141	36	15	due	due	ADP
fsr-4141	36	16	to	to	ADP
fsr-4141	36	17	its	its	PRON
fsr-4141	36	18	effect	effect	NOUN
fsr-4141	36	19	on	on	ADP
fsr-4141	36	20	prices	price	NOUN
fsr-4141	36	21	.	.	PUNCT
fsr-4141	37	1	in	in	ADP
fsr-4141	37	2	line	line	NOUN
fsr-4141	37	3	with	with	ADP
fsr-4141	37	4	hamid	hamid	PROPN
fsr-4141	37	5	et	et	PROPN
fsr-4141	37	6	al	al	PROPN
fsr-4141	37	7	.	.	PROPN
fsr-4141	38	1	(	(	PUNCT
fsr-4141	38	2	2023	2023	NUM
fsr-4141	38	3	)	)	PUNCT
fsr-4141	38	4	,	,	PUNCT
fsr-4141	38	5	our	our	PRON
fsr-4141	38	6	study	study	NOUN
fsr-4141	38	7	of	of	ADP
fsr-4141	38	8	informal	informal	ADJ
fsr-4141	38	9	borrowing	borrowing	NOUN
fsr-4141	38	10	supplies	supply	NOUN
fsr-4141	38	11	policymakers	policymaker	NOUN
fsr-4141	38	12	with	with	ADP
fsr-4141	38	13	empirical	empirical	ADJ
fsr-4141	38	14	knowledge	knowledge	NOUN
fsr-4141	38	15	that	that	PRON
fsr-4141	38	16	can	can	AUX
fsr-4141	38	17	promote	promote	VERB
fsr-4141	38	18	financial	financial	ADJ
fsr-4141	38	19	resilience	resilience	NOUN
fsr-4141	38	20	in	in	ADP
fsr-4141	38	21	the	the	DET
fsr-4141	38	22	eu	eu	PROPN
fsr-4141	38	23	.	.	PROPN
fsr-4141	39	1	in	in	ADP
fsr-4141	39	2	fact	fact	NOUN
fsr-4141	39	3	,	,	PUNCT
fsr-4141	39	4	the	the	DET
fsr-4141	39	5	study	study	NOUN
fsr-4141	39	6	offers	offer	VERB
fsr-4141	39	7	two	two	NUM
fsr-4141	39	8	significant	significant	ADJ
fsr-4141	39	9	contributions	contribution	NOUN
fsr-4141	39	10	to	to	ADP
fsr-4141	39	11	the	the	DET
fsr-4141	39	12	fields	field	NOUN
fsr-4141	39	13	of	of	ADP
fsr-4141	39	14	fintech	fintech	NOUN
fsr-4141	39	15	and	and	CCONJ
fsr-4141	39	16	household	household	NOUN
fsr-4141	39	17	finance	finance	NOUN
fsr-4141	39	18	.	.	PUNCT
fsr-4141	40	1	the	the	DET
fsr-4141	40	2	first	first	ADJ
fsr-4141	40	3	contribution	contribution	NOUN
fsr-4141	40	4	lies	lie	VERB
fsr-4141	40	5	in	in	ADP
fsr-4141	40	6	identifying	identify	VERB
fsr-4141	40	7	the	the	DET
fsr-4141	40	8	potential	potential	NOUN
fsr-4141	40	9	for	for	ADP
fsr-4141	40	10	fintech	fintech	NOUN
fsr-4141	40	11	solutions	solution	NOUN
fsr-4141	40	12	to	to	PART
fsr-4141	40	13	enable	enable	VERB
fsr-4141	40	14	more	more	ADV
fsr-4141	40	15	efficient	efficient	ADJ
fsr-4141	40	16	financial	financial	ADJ
fsr-4141	40	17	management	management	NOUN
fsr-4141	40	18	practices	practice	NOUN
fsr-4141	40	19	.	.	PUNCT
fsr-4141	41	1	the	the	DET
fsr-4141	41	2	study	study	NOUN
fsr-4141	41	3	concludes	conclude	VERB
fsr-4141	41	4	that	that	SCONJ
fsr-4141	41	5	using	use	VERB
fsr-4141	41	6	appropriate	appropriate	ADJ
fsr-4141	41	7	fintech	fintech	NOUN
fsr-4141	41	8	solutions	solution	NOUN
fsr-4141	41	9	such	such	ADJ
fsr-4141	41	10	as	as	ADP
fsr-4141	41	11	debit	debit	NOUN
fsr-4141	41	12	cards	card	NOUN
fsr-4141	41	13	can	can	AUX
fsr-4141	41	14	help	help	VERB
fsr-4141	41	15	promote	promote	VERB
fsr-4141	41	16	financial	financial	ADJ
fsr-4141	41	17	independence	independence	NOUN
fsr-4141	41	18	and	and	CCONJ
fsr-4141	41	19	will	will	AUX
fsr-4141	41	20	most	most	ADV
fsr-4141	41	21	likely	likely	ADV
fsr-4141	41	22	help	help	VERB
fsr-4141	41	23	households	household	NOUN
fsr-4141	41	24	to	to	PART
fsr-4141	41	25	navigate	navigate	VERB
fsr-4141	41	26	financial	financial	ADJ
fsr-4141	41	27	setbacks	setback	NOUN
fsr-4141	41	28	and	and	CCONJ
fsr-4141	41	29	improve	improve	VERB
fsr-4141	41	30	financial	financial	ADJ
fsr-4141	41	31	stability	stability	NOUN
fsr-4141	41	32	.	.	PUNCT
fsr-4141	42	1	the	the	DET
fsr-4141	42	2	second	second	ADJ
fsr-4141	42	3	contribution	contribution	NOUN
fsr-4141	42	4	concerns	concern	VERB
fsr-4141	42	5	the	the	DET
fsr-4141	42	6	limited	limited	ADJ
fsr-4141	42	7	effectiveness	effectiveness	NOUN
fsr-4141	42	8	of	of	ADP
fsr-4141	42	9	traditional	traditional	ADJ
fsr-4141	42	10	financial	financial	ADJ
fsr-4141	42	11	education	education	NOUN
fsr-4141	42	12	and	and	CCONJ
fsr-4141	42	13	training	training	NOUN
fsr-4141	42	14	in	in	ADP
fsr-4141	42	15	fostering	foster	VERB
fsr-4141	42	16	sound	sound	ADJ
fsr-4141	42	17	financial	financial	ADJ
fsr-4141	42	18	decisionmaking	decisionmaking	NOUN
fsr-4141	42	19	.	.	PUNCT
fsr-4141	43	1	this	this	PRON
fsr-4141	43	2	makes	make	VERB
fsr-4141	43	3	it	it	PRON
fsr-4141	43	4	possible	possible	ADJ
fsr-4141	43	5	to	to	PART
fsr-4141	43	6	question	question	VERB
fsr-4141	43	7	the	the	DET
fsr-4141	43	8	effectiveness	effectiveness	NOUN
fsr-4141	43	9	of	of	ADP
fsr-4141	43	10	financial	financial	ADJ
fsr-4141	43	11	literacy	literacy	NOUN
fsr-4141	43	12	policies	policy	NOUN
fsr-4141	43	13	in	in	ADP
fsr-4141	43	14	the	the	DET
fsr-4141	43	15	eu	eu	PROPN
fsr-4141	43	16	.	.	PROPN
fsr-4141	44	1	while	while	SCONJ
fsr-4141	44	2	financial	financial	ADJ
fsr-4141	44	3	education	education	NOUN
fsr-4141	44	4	remains	remain	VERB
fsr-4141	44	5	important	important	ADJ
fsr-4141	44	6	(	(	PUNCT
fsr-4141	44	7	kaiser	kaiser	PROPN
fsr-4141	44	8	et	et	PROPN
fsr-4141	44	9	al	al	PROPN
fsr-4141	44	10	.	.	PROPN
fsr-4141	44	11	,	,	PUNCT
fsr-4141	44	12	2022	2022	NUM
fsr-4141	44	13	)	)	PUNCT
fsr-4141	44	14	,	,	PUNCT
fsr-4141	44	15	it	it	PRON
fsr-4141	44	16	may	may	AUX
fsr-4141	44	17	not	not	PART
fsr-4141	44	18	necessarily	necessarily	ADV
fsr-4141	44	19	address	address	VERB
fsr-4141	44	20	the	the	DET
fsr-4141	44	21	complexities	complexity	NOUN
fsr-4141	44	22	of	of	ADP
fsr-4141	44	23	modern	modern	ADJ
fsr-4141	44	24	financial	financial	ADJ
fsr-4141	44	25	behaviors	behavior	NOUN
fsr-4141	44	26	.	.	PUNCT
fsr-4141	45	1	this	this	DET
fsr-4141	45	2	study	study	NOUN
fsr-4141	45	3	provides	provide	VERB
fsr-4141	45	4	evidence	evidence	NOUN
fsr-4141	45	5	supporting	support	VERB
fsr-4141	45	6	the	the	DET
fsr-4141	45	7	need	need	NOUN
fsr-4141	45	8	for	for	ADP
fsr-4141	45	9	enhanced	enhanced	ADJ
fsr-4141	45	10	financial	financial	ADJ
fsr-4141	45	11	literacy	literacy	NOUN
fsr-4141	45	12	programs	program	NOUN
fsr-4141	45	13	within	within	ADP
fsr-4141	45	14	the	the	DET
fsr-4141	45	15	eu	eu	PROPN
fsr-4141	45	16	,	,	PUNCT
fsr-4141	45	17	particularly	particularly	ADV
fsr-4141	45	18	those	those	PRON
fsr-4141	45	19	tailored	tailor	VERB
fsr-4141	45	20	to	to	ADP
fsr-4141	45	21	addressing	address	VERB
fsr-4141	45	22	the	the	DET
fsr-4141	45	23	various	various	ADJ
fsr-4141	45	24	unique	unique	ADJ
fsr-4141	45	25	situations	situation	NOUN
fsr-4141	45	26	of	of	ADP
fsr-4141	45	27	households	household	NOUN
fsr-4141	45	28	.	.	PUNCT
fsr-4141	46	1	the	the	DET
fsr-4141	46	2	rest	rest	NOUN
fsr-4141	46	3	of	of	ADP
fsr-4141	46	4	the	the	DET
fsr-4141	46	5	article	article	NOUN
fsr-4141	46	6	is	be	AUX
fsr-4141	46	7	structured	structure	VERB
fsr-4141	46	8	as	as	SCONJ
fsr-4141	46	9	follows	follow	VERB
fsr-4141	46	10	:	:	PUNCT
fsr-4141	46	11	section	section	NOUN
fsr-4141	46	12	2	2	NUM
fsr-4141	46	13	presents	present	VERB
fsr-4141	46	14	the	the	DET
fsr-4141	46	15	literature	literature	NOUN
fsr-4141	46	16	review	review	NOUN
fsr-4141	46	17	and	and	CCONJ
fsr-4141	46	18	section	section	NOUN
fsr-4141	46	19	3	3	NUM
fsr-4141	46	20	the	the	DET
fsr-4141	46	21	methods	method	NOUN
fsr-4141	46	22	.	.	PUNCT
fsr-4141	47	1	the	the	DET
fsr-4141	47	2	results	result	NOUN
fsr-4141	47	3	are	be	AUX
fsr-4141	47	4	reported	report	VERB
fsr-4141	47	5	in	in	ADP
fsr-4141	47	6	section	section	NOUN
fsr-4141	47	7	4	4	NUM
fsr-4141	47	8	,	,	PUNCT
fsr-4141	47	9	while	while	SCONJ
fsr-4141	47	10	the	the	DET
fsr-4141	47	11	conclusion	conclusion	NOUN
fsr-4141	47	12	,	,	PUNCT
fsr-4141	47	13	policy	policy	NOUN
fsr-4141	47	14	recommendations	recommendation	NOUN
fsr-4141	47	15	,	,	PUNCT
fsr-4141	47	16	and	and	CCONJ
fsr-4141	47	17	suggestions	suggestion	NOUN
fsr-4141	47	18	for	for	ADP
fsr-4141	47	19	future	future	ADJ
fsr-4141	47	20	research	research	NOUN
fsr-4141	47	21	are	be	AUX
fsr-4141	47	22	addressed	address	VERB
fsr-4141	47	23	in	in	ADP
fsr-4141	47	24	the	the	DET
fsr-4141	47	25	final	final	ADJ
fsr-4141	47	26	section	section	NOUN
fsr-4141	47	27	.	.	PUNCT
fsr-4141	48	1	financial	financial	ADJ
fsr-4141	48	2	services	service	NOUN
fsr-4141	48	3	review	review	NOUN
fsr-4141	48	4	,	,	PUNCT
fsr-4141	48	5	33(3	33(3	NOUN
fsr-4141	48	6	)	)	PUNCT
fsr-4141	48	7	50	50	NUM
fsr-4141	48	8	literature	literature	NOUN
fsr-4141	48	9	review	review	VERB
fsr-4141	48	10	the	the	DET
fsr-4141	48	11	self	self	NOUN
fsr-4141	48	12	-	-	PUNCT
fsr-4141	48	13	control	control	NOUN
fsr-4141	48	14	theory	theory	NOUN
fsr-4141	48	15	of	of	ADP
fsr-4141	48	16	thaler	thaler	NOUN
fsr-4141	48	17	and	and	CCONJ
fsr-4141	48	18	shefrin	shefrin	NOUN
fsr-4141	48	19	(	(	PUNCT
fsr-4141	48	20	1981	1981	NUM
fsr-4141	48	21	)	)	PUNCT
fsr-4141	48	22	explores	explore	VERB
fsr-4141	48	23	the	the	DET
fsr-4141	48	24	dilemma	dilemma	NOUN
fsr-4141	48	25	of	of	ADP
fsr-4141	48	26	setting	set	VERB
fsr-4141	48	27	consumption	consumption	NOUN
fsr-4141	48	28	limits	limit	NOUN
fsr-4141	48	29	and	and	CCONJ
fsr-4141	48	30	the	the	DET
fsr-4141	48	31	resulting	result	VERB
fsr-4141	48	32	issues	issue	NOUN
fsr-4141	48	33	that	that	PRON
fsr-4141	48	34	arise	arise	VERB
fsr-4141	48	35	from	from	ADP
fsr-4141	48	36	the	the	DET
fsr-4141	48	37	conflict	conflict	NOUN
fsr-4141	48	38	between	between	ADP
fsr-4141	48	39	consumption	consumption	NOUN
fsr-4141	48	40	and	and	CCONJ
fsr-4141	48	41	saving	saving	NOUN
fsr-4141	48	42	.	.	PUNCT
fsr-4141	49	1	the	the	DET
fsr-4141	49	2	theory	theory	NOUN
fsr-4141	49	3	suggests	suggest	VERB
fsr-4141	49	4	two	two	NUM
fsr-4141	49	5	main	main	ADJ
fsr-4141	49	6	strategies	strategy	NOUN
fsr-4141	49	7	for	for	ADP
fsr-4141	49	8	resolving	resolve	VERB
fsr-4141	49	9	these	these	DET
fsr-4141	49	10	issues	issue	NOUN
fsr-4141	49	11	,	,	PUNCT
fsr-4141	49	12	either	either	CCONJ
fsr-4141	49	13	setting	set	VERB
fsr-4141	49	14	strict	strict	ADJ
fsr-4141	49	15	rules	rule	NOUN
fsr-4141	49	16	to	to	PART
fsr-4141	49	17	control	control	VERB
fsr-4141	49	18	consumption	consumption	NOUN
fsr-4141	49	19	or	or	CCONJ
fsr-4141	49	20	altering	alter	VERB
fsr-4141	49	21	the	the	DET
fsr-4141	49	22	incentives	incentive	NOUN
fsr-4141	49	23	to	to	PART
fsr-4141	49	24	save	save	VERB
fsr-4141	49	25	money	money	NOUN
fsr-4141	49	26	.	.	PUNCT
fsr-4141	50	1	the	the	DET
fsr-4141	50	2	two	two	NUM
fsr-4141	50	3	strategies	strategy	NOUN
fsr-4141	50	4	require	require	VERB
fsr-4141	50	5	tools	tool	NOUN
fsr-4141	50	6	in	in	SCONJ
fsr-4141	50	7	order	order	NOUN
fsr-4141	50	8	to	to	PART
fsr-4141	50	9	be	be	AUX
fsr-4141	50	10	properly	properly	ADV
fsr-4141	50	11	implemented	implement	VERB
fsr-4141	50	12	,	,	PUNCT
fsr-4141	50	13	and	and	CCONJ
fsr-4141	50	14	bank	bank	NOUN
fsr-4141	50	15	debit	debit	NOUN
fsr-4141	50	16	cards	card	NOUN
fsr-4141	50	17	are	be	AUX
fsr-4141	50	18	such	such	ADJ
fsr-4141	50	19	tools	tool	NOUN
fsr-4141	50	20	.	.	PUNCT
fsr-4141	51	1	through	through	ADP
fsr-4141	51	2	using	use	VERB
fsr-4141	51	3	debit	debit	NOUN
fsr-4141	51	4	cards	card	NOUN
fsr-4141	51	5	,	,	PUNCT
fsr-4141	51	6	households	household	NOUN
fsr-4141	51	7	can	can	AUX
fsr-4141	51	8	follow	follow	VERB
fsr-4141	51	9	a	a	DET
fsr-4141	51	10	strict	strict	ADJ
fsr-4141	51	11	rule	rule	NOUN
fsr-4141	51	12	that	that	PRON
fsr-4141	51	13	limits	limit	VERB
fsr-4141	51	14	their	their	PRON
fsr-4141	51	15	consumption	consumption	NOUN
fsr-4141	51	16	(	(	PUNCT
fsr-4141	51	17	bachas	bachas	PROPN
fsr-4141	51	18	et	et	PROPN
fsr-4141	51	19	al	al	PROPN
fsr-4141	51	20	.	.	PROPN
fsr-4141	51	21	,	,	PUNCT
fsr-4141	51	22	2021	2021	NUM
fsr-4141	51	23	)	)	PUNCT
fsr-4141	51	24	.	.	PUNCT
fsr-4141	52	1	households	household	NOUN
fsr-4141	52	2	could	could	AUX
fsr-4141	52	3	also	also	ADV
fsr-4141	52	4	sort	sort	VERB
fsr-4141	52	5	their	their	PRON
fsr-4141	52	6	expenses	expense	NOUN
fsr-4141	52	7	into	into	ADP
fsr-4141	52	8	predefined	predefine	VERB
fsr-4141	52	9	categories	category	NOUN
fsr-4141	52	10	,	,	PUNCT
fsr-4141	52	11	enabling	enable	VERB
fsr-4141	52	12	them	they	PRON
fsr-4141	52	13	to	to	PART
fsr-4141	52	14	assess	assess	VERB
fsr-4141	52	15	their	their	PRON
fsr-4141	52	16	overall	overall	ADJ
fsr-4141	52	17	consumption	consumption	NOUN
fsr-4141	52	18	in	in	ADP
fsr-4141	52	19	a	a	DET
fsr-4141	52	20	period	period	NOUN
fsr-4141	52	21	.	.	PUNCT
fsr-4141	53	1	nevertheless	nevertheless	ADV
fsr-4141	53	2	,	,	PUNCT
fsr-4141	53	3	the	the	DET
fsr-4141	53	4	development	development	NOUN
fsr-4141	53	5	of	of	ADP
fsr-4141	53	6	online	online	ADJ
fsr-4141	53	7	stores	store	NOUN
fsr-4141	53	8	and	and	CCONJ
fsr-4141	53	9	the	the	DET
fsr-4141	53	10	availability	availability	NOUN
fsr-4141	53	11	of	of	ADP
fsr-4141	53	12	various	various	ADJ
fsr-4141	53	13	digital	digital	ADJ
fsr-4141	53	14	payment	payment	NOUN
fsr-4141	53	15	methods	method	NOUN
fsr-4141	53	16	in	in	ADP
fsr-4141	53	17	the	the	DET
fsr-4141	53	18	fintech	fintech	NOUN
fsr-4141	53	19	landscape	landscape	NOUN
fsr-4141	53	20	have	have	AUX
fsr-4141	53	21	introduced	introduce	VERB
fsr-4141	53	22	challenges	challenge	NOUN
fsr-4141	53	23	,	,	PUNCT
fsr-4141	53	24	such	such	ADJ
fsr-4141	53	25	as	as	ADP
fsr-4141	53	26	impulse	impulse	ADJ
fsr-4141	53	27	buying	buying	NOUN
fsr-4141	53	28	.	.	PUNCT
fsr-4141	54	1	meyll	meyll	NOUN
fsr-4141	54	2	and	and	CCONJ
fsr-4141	54	3	walter	walter	PROPN
fsr-4141	54	4	(	(	PUNCT
fsr-4141	54	5	2019	2019	NUM
fsr-4141	54	6	)	)	PUNCT
fsr-4141	54	7	provided	provide	VERB
fsr-4141	54	8	evidence	evidence	NOUN
fsr-4141	54	9	of	of	ADP
fsr-4141	54	10	a	a	DET
fsr-4141	54	11	relationship	relationship	NOUN
fsr-4141	54	12	between	between	ADP
fsr-4141	54	13	innovative	innovative	ADJ
fsr-4141	54	14	payment	payment	NOUN
fsr-4141	54	15	methods	method	NOUN
fsr-4141	54	16	and	and	CCONJ
fsr-4141	54	17	surges	surge	NOUN
fsr-4141	54	18	in	in	ADP
fsr-4141	54	19	individuals	individual	NOUN
fsr-4141	54	20	’	'	PUNCT
fsr-4141	54	21	overall	overall	ADJ
fsr-4141	54	22	spending	spending	NOUN
fsr-4141	54	23	,	,	PUNCT
fsr-4141	54	24	which	which	PRON
fsr-4141	54	25	might	might	AUX
fsr-4141	54	26	affect	affect	VERB
fsr-4141	54	27	consumption	consumption	NOUN
fsr-4141	54	28	and	and	CCONJ
fsr-4141	54	29	saving	saving	NOUN
fsr-4141	54	30	behavior	behavior	NOUN
fsr-4141	54	31	.	.	PUNCT
fsr-4141	55	1	when	when	SCONJ
fsr-4141	55	2	households	household	NOUN
fsr-4141	55	3	face	face	VERB
fsr-4141	55	4	financial	financial	ADJ
fsr-4141	55	5	setbacks	setback	NOUN
fsr-4141	55	6	,	,	PUNCT
fsr-4141	55	7	they	they	PRON
fsr-4141	55	8	often	often	ADV
fsr-4141	55	9	rely	rely	VERB
fsr-4141	55	10	on	on	ADP
fsr-4141	55	11	readily	readily	ADV
fsr-4141	55	12	accessible	accessible	ADJ
fsr-4141	55	13	resources	resource	NOUN
fsr-4141	55	14	,	,	PUNCT
fsr-4141	55	15	such	such	ADJ
fsr-4141	55	16	as	as	ADP
fsr-4141	55	17	emergency	emergency	NOUN
fsr-4141	55	18	funds	fund	NOUN
fsr-4141	55	19	,	,	PUNCT
fsr-4141	55	20	to	to	PART
fsr-4141	55	21	navigate	navigate	VERB
fsr-4141	55	22	these	these	DET
fsr-4141	55	23	challenges	challenge	NOUN
fsr-4141	55	24	(	(	PUNCT
fsr-4141	55	25	demirgüç	demirgüç	NOUN
fsr-4141	55	26	-	-	PUNCT
fsr-4141	55	27	kunt	kunt	PROPN
fsr-4141	55	28	et	et	PROPN
fsr-4141	55	29	al	al	PROPN
fsr-4141	55	30	.	.	PROPN
fsr-4141	55	31	,	,	PUNCT
fsr-4141	55	32	2022	2022	NUM
fsr-4141	55	33	)	)	PUNCT
fsr-4141	55	34	.	.	PUNCT
fsr-4141	56	1	these	these	DET
fsr-4141	56	2	emergency	emergency	NOUN
fsr-4141	56	3	funds	fund	NOUN
fsr-4141	56	4	are	be	AUX
fsr-4141	56	5	typically	typically	ADV
fsr-4141	56	6	built	build	VERB
fsr-4141	56	7	through	through	ADP
fsr-4141	56	8	consistent	consistent	ADJ
fsr-4141	56	9	saving	saving	NOUN
fsr-4141	56	10	,	,	PUNCT
fsr-4141	56	11	highlighting	highlight	VERB
fsr-4141	56	12	the	the	DET
fsr-4141	56	13	importance	importance	NOUN
fsr-4141	56	14	of	of	ADP
fsr-4141	56	15	applying	apply	VERB
fsr-4141	56	16	a	a	DET
fsr-4141	56	17	disciplined	disciplined	ADJ
fsr-4141	56	18	approach	approach	NOUN
fsr-4141	56	19	(	(	PUNCT
fsr-4141	56	20	asebedo	asebedo	PROPN
fsr-4141	56	21	et	et	PROPN
fsr-4141	56	22	al	al	PROPN
fsr-4141	56	23	.	.	PROPN
fsr-4141	56	24	,	,	PUNCT
fsr-4141	56	25	2019	2019	NUM
fsr-4141	56	26	;	;	PUNCT
fsr-4141	56	27	despard	despard	NOUN
fsr-4141	56	28	et	et	PROPN
fsr-4141	56	29	al	al	PROPN
fsr-4141	56	30	.	.	PROPN
fsr-4141	56	31	,	,	PUNCT
fsr-4141	56	32	2020	2020	NUM
fsr-4141	56	33	)	)	PUNCT
fsr-4141	56	34	.	.	PUNCT
fsr-4141	57	1	the	the	PRON
fsr-4141	57	2	more	more	ADV
fsr-4141	57	3	a	a	DET
fsr-4141	57	4	household	household	NOUN
fsr-4141	57	5	saves	save	NOUN
fsr-4141	57	6	,	,	PUNCT
fsr-4141	57	7	the	the	DET
fsr-4141	57	8	better	well	ADJ
fsr-4141	57	9	equipped	equip	VERB
fsr-4141	57	10	it	it	PRON
fsr-4141	57	11	is	be	AUX
fsr-4141	57	12	to	to	PART
fsr-4141	57	13	build	build	VERB
fsr-4141	57	14	a	a	DET
fsr-4141	57	15	sufficient	sufficient	ADJ
fsr-4141	57	16	emergency	emergency	NOUN
fsr-4141	57	17	fund	fund	NOUN
fsr-4141	57	18	.	.	PUNCT
fsr-4141	58	1	such	such	ADJ
fsr-4141	58	2	financial	financial	ADJ
fsr-4141	58	3	protections	protection	NOUN
fsr-4141	58	4	not	not	PART
fsr-4141	58	5	only	only	ADV
fsr-4141	58	6	provide	provide	VERB
fsr-4141	58	7	immediate	immediate	ADJ
fsr-4141	58	8	substitutes	substitute	NOUN
fsr-4141	58	9	during	during	ADP
fsr-4141	58	10	unexpected	unexpected	ADJ
fsr-4141	58	11	situations	situation	NOUN
fsr-4141	58	12	but	but	CCONJ
fsr-4141	58	13	also	also	ADV
fsr-4141	58	14	promote	promote	VERB
fsr-4141	58	15	long	long	ADJ
fsr-4141	58	16	-	-	PUNCT
fsr-4141	58	17	term	term	NOUN
fsr-4141	58	18	financial	financial	ADJ
fsr-4141	58	19	stability	stability	NOUN
fsr-4141	58	20	,	,	PUNCT
fsr-4141	58	21	reducing	reduce	VERB
fsr-4141	58	22	the	the	DET
fsr-4141	58	23	stress	stress	NOUN
fsr-4141	58	24	associated	associate	VERB
fsr-4141	58	25	with	with	ADP
fsr-4141	58	26	unexpected	unexpected	ADJ
fsr-4141	58	27	expenses	expense	NOUN
fsr-4141	58	28	or	or	CCONJ
fsr-4141	58	29	income	income	NOUN
fsr-4141	58	30	disruptions	disruption	NOUN
fsr-4141	58	31	.	.	PUNCT
fsr-4141	59	1	browning	browning	NOUN
fsr-4141	59	2	and	and	CCONJ
fsr-4141	59	3	lusardi	lusardi	PROPN
fsr-4141	59	4	(	(	PUNCT
fsr-4141	59	5	1996	1996	NUM
fsr-4141	59	6	)	)	PUNCT
fsr-4141	59	7	stated	state	VERB
fsr-4141	59	8	that	that	SCONJ
fsr-4141	59	9	a	a	DET
fsr-4141	59	10	primary	primary	ADJ
fsr-4141	59	11	motivation	motivation	NOUN
fsr-4141	59	12	for	for	ADP
fsr-4141	59	13	households	household	NOUN
fsr-4141	59	14	to	to	PART
fsr-4141	59	15	save	save	VERB
fsr-4141	59	16	money	money	NOUN
fsr-4141	59	17	is	be	AUX
fsr-4141	59	18	to	to	PART
fsr-4141	59	19	enhance	enhance	VERB
fsr-4141	59	20	their	their	PRON
fsr-4141	59	21	ability	ability	NOUN
fsr-4141	59	22	to	to	PART
fsr-4141	59	23	manage	manage	VERB
fsr-4141	59	24	unforeseen	unforeseen	ADJ
fsr-4141	59	25	contingencies	contingency	NOUN
fsr-4141	59	26	,	,	PUNCT
fsr-4141	59	27	and	and	CCONJ
fsr-4141	59	28	tufano	tufano	ADJ
fsr-4141	59	29	(	(	PUNCT
fsr-4141	59	30	2009	2009	NUM
fsr-4141	59	31	)	)	PUNCT
fsr-4141	59	32	argued	argue	VERB
fsr-4141	59	33	that	that	SCONJ
fsr-4141	59	34	saving	saving	NOUN
fsr-4141	59	35	is	be	AUX
fsr-4141	59	36	an	an	DET
fsr-4141	59	37	irreplaceable	irreplaceable	ADJ
fsr-4141	59	38	element	element	NOUN
fsr-4141	59	39	of	of	ADP
fsr-4141	59	40	households	household	NOUN
fsr-4141	59	41	’	'	PUNCT
fsr-4141	59	42	sound	sound	ADJ
fsr-4141	59	43	financial	financial	ADJ
fsr-4141	59	44	management	management	NOUN
fsr-4141	59	45	that	that	PRON
fsr-4141	59	46	enables	enable	VERB
fsr-4141	59	47	them	they	PRON
fsr-4141	59	48	to	to	PART
fsr-4141	59	49	invest	invest	VERB
fsr-4141	59	50	money	money	NOUN
fsr-4141	59	51	and	and	CCONJ
fsr-4141	59	52	increase	increase	VERB
fsr-4141	59	53	their	their	PRON
fsr-4141	59	54	wealth	wealth	NOUN
fsr-4141	59	55	.	.	PUNCT
fsr-4141	60	1	notably	notably	ADV
fsr-4141	60	2	,	,	PUNCT
fsr-4141	60	3	households	household	NOUN
fsr-4141	60	4	that	that	PRON
fsr-4141	60	5	lack	lack	VERB
fsr-4141	60	6	emergency	emergency	NOUN
fsr-4141	60	7	fund	fund	NOUN
fsr-4141	60	8	savings	saving	NOUN
fsr-4141	60	9	to	to	PART
fsr-4141	60	10	cover	cover	VERB
fsr-4141	60	11	unexpected	unexpected	ADJ
fsr-4141	60	12	life	life	NOUN
fsr-4141	60	13	events	event	NOUN
fsr-4141	60	14	may	may	AUX
fsr-4141	60	15	be	be	AUX
fsr-4141	60	16	forced	force	VERB
fsr-4141	60	17	to	to	PART
fsr-4141	60	18	take	take	VERB
fsr-4141	60	19	disadvantageous	disadvantageous	ADJ
fsr-4141	60	20	loans	loan	NOUN
fsr-4141	60	21	.	.	PUNCT
fsr-4141	61	1	besides	besides	SCONJ
fsr-4141	61	2	debit	debit	VERB
fsr-4141	61	3	cards	card	NOUN
fsr-4141	61	4	and	and	CCONJ
fsr-4141	61	5	saving	save	VERB
fsr-4141	61	6	behavior	behavior	NOUN
fsr-4141	61	7	,	,	PUNCT
fsr-4141	61	8	educational	educational	ADJ
fsr-4141	61	9	background	background	NOUN
fsr-4141	61	10	is	be	AUX
fsr-4141	61	11	essential	essential	ADJ
fsr-4141	61	12	to	to	ADP
fsr-4141	61	13	making	make	VERB
fsr-4141	61	14	sound	sound	ADJ
fsr-4141	61	15	financial	financial	ADJ
fsr-4141	61	16	decisions	decision	NOUN
fsr-4141	61	17	(	(	PUNCT
fsr-4141	61	18	nourallah	nourallah	NOUN
fsr-4141	61	19	et	et	PROPN
fsr-4141	61	20	al	al	PROPN
fsr-4141	61	21	.	.	PROPN
fsr-4141	61	22	,	,	PUNCT
fsr-4141	61	23	2024	2024	NUM
fsr-4141	61	24	)	)	PUNCT
fsr-4141	61	25	.	.	PUNCT
fsr-4141	62	1	in	in	ADP
fsr-4141	62	2	a	a	DET
fsr-4141	62	3	meta	meta	ADJ
fsr-4141	62	4	-	-	PUNCT
fsr-4141	62	5	analysis	analysis	NOUN
fsr-4141	62	6	,	,	PUNCT
fsr-4141	62	7	kaiser	kaiser	PROPN
fsr-4141	62	8	et	et	PROPN
fsr-4141	62	9	al	al	PROPN
fsr-4141	62	10	.	.	PROPN
fsr-4141	62	11	(	(	PUNCT
fsr-4141	62	12	2022	2022	NUM
fsr-4141	62	13	)	)	PUNCT
fsr-4141	62	14	concluded	conclude	VERB
fsr-4141	62	15	that	that	SCONJ
fsr-4141	62	16	financial	financial	ADJ
fsr-4141	62	17	education	education	NOUN
fsr-4141	62	18	has	have	VERB
fsr-4141	62	19	a	a	DET
fsr-4141	62	20	positive	positive	ADJ
fsr-4141	62	21	effect	effect	NOUN
fsr-4141	62	22	on	on	ADP
fsr-4141	62	23	financial	financial	ADJ
fsr-4141	62	24	behavior	behavior	NOUN
fsr-4141	62	25	.	.	PUNCT
fsr-4141	63	1	similarly	similarly	ADV
fsr-4141	63	2	,	,	PUNCT
fsr-4141	63	3	lusardi	lusardi	PROPN
fsr-4141	63	4	et	et	PROPN
fsr-4141	63	5	al	al	PROPN
fsr-4141	63	6	.	.	PROPN
fsr-4141	63	7	(	(	PUNCT
fsr-4141	63	8	2021	2021	NUM
fsr-4141	63	9	)	)	PUNCT
fsr-4141	63	10	reported	report	VERB
fsr-4141	63	11	that	that	SCONJ
fsr-4141	63	12	well	well	ADV
fsr-4141	63	13	-	-	PUNCT
fsr-4141	63	14	educated	educate	VERB
fsr-4141	63	15	households	household	NOUN
fsr-4141	63	16	tend	tend	VERB
fsr-4141	63	17	to	to	PART
fsr-4141	63	18	manage	manage	VERB
fsr-4141	63	19	their	their	PRON
fsr-4141	63	20	money	money	NOUN
fsr-4141	63	21	properly	properly	ADV
fsr-4141	63	22	,	,	PUNCT
fsr-4141	63	23	which	which	PRON
fsr-4141	63	24	likely	likely	ADV
fsr-4141	63	25	helps	help	VERB
fsr-4141	63	26	them	they	PRON
fsr-4141	63	27	deal	deal	VERB
fsr-4141	63	28	with	with	ADP
fsr-4141	63	29	financial	financial	ADJ
fsr-4141	63	30	shocks	shock	NOUN
fsr-4141	63	31	.	.	PUNCT
fsr-4141	64	1	relatedly	relatedly	ADV
fsr-4141	64	2	,	,	PUNCT
fsr-4141	64	3	nokulunga	nokulunga	ADV
fsr-4141	64	4	and	and	CCONJ
fsr-4141	64	5	klara	klara	PROPN
fsr-4141	64	6	(	(	PUNCT
fsr-4141	64	7	2023	2023	NUM
fsr-4141	64	8	)	)	PUNCT
fsr-4141	64	9	found	find	VERB
fsr-4141	64	10	that	that	SCONJ
fsr-4141	64	11	people	people	NOUN
fsr-4141	64	12	with	with	ADP
fsr-4141	64	13	low	low	ADJ
fsr-4141	64	14	education	education	NOUN
fsr-4141	64	15	levels	level	NOUN
fsr-4141	64	16	have	have	VERB
fsr-4141	64	17	a	a	DET
fsr-4141	64	18	higher	high	ADJ
fsr-4141	64	19	probability	probability	NOUN
fsr-4141	64	20	of	of	ADP
fsr-4141	64	21	using	use	VERB
fsr-4141	64	22	the	the	DET
fsr-4141	64	23	informal	informal	ADJ
fsr-4141	64	24	rather	rather	ADV
fsr-4141	64	25	than	than	ADP
fsr-4141	64	26	formal	formal	ADJ
fsr-4141	64	27	financial	financial	ADJ
fsr-4141	64	28	sector	sector	NOUN
fsr-4141	64	29	,	,	PUNCT
fsr-4141	64	30	which	which	PRON
fsr-4141	64	31	may	may	AUX
fsr-4141	64	32	negatively	negatively	ADV
fsr-4141	64	33	affect	affect	VERB
fsr-4141	64	34	their	their	PRON
fsr-4141	64	35	financial	financial	ADJ
fsr-4141	64	36	well	well	NOUN
fsr-4141	64	37	-	-	PUNCT
fsr-4141	64	38	being	being	NOUN
fsr-4141	64	39	.	.	PUNCT
fsr-4141	65	1	it	it	PRON
fsr-4141	65	2	is	be	AUX
fsr-4141	65	3	worth	worth	ADJ
fsr-4141	65	4	highlighting	highlight	VERB
fsr-4141	65	5	that	that	SCONJ
fsr-4141	65	6	limited	limited	ADJ
fsr-4141	65	7	access	access	NOUN
fsr-4141	65	8	to	to	ADP
fsr-4141	65	9	borrowing	borrowing	NOUN
fsr-4141	65	10	options	option	NOUN
fsr-4141	65	11	from	from	ADP
fsr-4141	65	12	financial	financial	ADJ
fsr-4141	65	13	institutions	institution	NOUN
fsr-4141	65	14	often	often	ADV
fsr-4141	65	15	compels	compel	VERB
fsr-4141	65	16	households	household	NOUN
fsr-4141	65	17	to	to	PART
fsr-4141	65	18	seek	seek	VERB
fsr-4141	65	19	alternative	alternative	ADJ
fsr-4141	65	20	sources	source	NOUN
fsr-4141	65	21	of	of	ADP
fsr-4141	65	22	financing	financing	NOUN
fsr-4141	65	23	(	(	PUNCT
fsr-4141	65	24	xiao	xiao	PROPN
fsr-4141	65	25	&	&	CCONJ
fsr-4141	65	26	tao	tao	PROPN
fsr-4141	65	27	,	,	PUNCT
fsr-4141	65	28	2021	2021	NUM
fsr-4141	65	29	)	)	PUNCT
fsr-4141	65	30	,	,	PUNCT
fsr-4141	65	31	such	such	ADJ
fsr-4141	65	32	as	as	ADP
fsr-4141	65	33	borrowing	borrow	VERB
fsr-4141	65	34	from	from	ADP
fsr-4141	65	35	individuals	individual	NOUN
fsr-4141	65	36	in	in	ADP
fsr-4141	65	37	their	their	PRON
fsr-4141	65	38	social	social	ADJ
fsr-4141	65	39	networks	network	NOUN
fsr-4141	65	40	,	,	PUNCT
fsr-4141	65	41	thereby	thereby	ADV
fsr-4141	65	42	hindering	hinder	VERB
fsr-4141	65	43	them	they	PRON
fsr-4141	65	44	from	from	ADP
fsr-4141	65	45	achieving	achieve	VERB
fsr-4141	65	46	long	long	ADJ
fsr-4141	65	47	-	-	PUNCT
fsr-4141	65	48	term	term	NOUN
fsr-4141	65	49	financial	financial	ADJ
fsr-4141	65	50	stability	stability	NOUN
fsr-4141	65	51	.	.	PUNCT
fsr-4141	66	1	higher	high	ADJ
fsr-4141	66	2	financial	financial	ADJ
fsr-4141	66	3	well	well	ADV
fsr-4141	66	4	-	-	PUNCT
fsr-4141	66	5	being	being	NOUN
fsr-4141	66	6	means	mean	VERB
fsr-4141	66	7	a	a	DET
fsr-4141	66	8	better	well	ADJ
fsr-4141	66	9	quality	quality	NOUN
fsr-4141	66	10	of	of	ADP
fsr-4141	66	11	life	life	NOUN
fsr-4141	66	12	and	and	CCONJ
fsr-4141	66	13	less	less	ADJ
fsr-4141	66	14	stress	stress	NOUN
fsr-4141	66	15	related	relate	VERB
fsr-4141	66	16	to	to	ADP
fsr-4141	66	17	financial	financial	ADJ
fsr-4141	66	18	concerns	concern	NOUN
fsr-4141	66	19	.	.	PUNCT
fsr-4141	67	1	the	the	DET
fsr-4141	67	2	literature	literature	NOUN
fsr-4141	67	3	describes	describe	VERB
fsr-4141	67	4	various	various	ADJ
fsr-4141	67	5	consequences	consequence	NOUN
fsr-4141	67	6	of	of	ADP
fsr-4141	67	7	financial	financial	ADJ
fsr-4141	67	8	well	well	NOUN
fsr-4141	67	9	-	-	PUNCT
fsr-4141	67	10	being	being	NOUN
fsr-4141	67	11	and	and	CCONJ
fsr-4141	67	12	emphasizes	emphasize	VERB
fsr-4141	67	13	the	the	DET
fsr-4141	67	14	negative	negative	ADJ
fsr-4141	67	15	societal	societal	ADJ
fsr-4141	67	16	impacts	impact	NOUN
fsr-4141	67	17	when	when	SCONJ
fsr-4141	67	18	a	a	DET
fsr-4141	67	19	significant	significant	ADJ
fsr-4141	67	20	percentage	percentage	NOUN
fsr-4141	67	21	of	of	ADP
fsr-4141	67	22	households	household	NOUN
fsr-4141	67	23	face	face	VERB
fsr-4141	67	24	financial	financial	ADJ
fsr-4141	67	25	issues	issue	NOUN
fsr-4141	67	26	(	(	PUNCT
fsr-4141	67	27	brüggen	brüggen	NOUN
fsr-4141	67	28	et	et	PROPN
fsr-4141	67	29	al	al	PROPN
fsr-4141	67	30	.	.	PROPN
fsr-4141	67	31	,	,	PUNCT
fsr-4141	67	32	2017	2017	NUM
fsr-4141	67	33	)	)	PUNCT
fsr-4141	67	34	.	.	PUNCT
fsr-4141	68	1	lower	low	ADJ
fsr-4141	68	2	levels	level	NOUN
fsr-4141	68	3	of	of	ADP
fsr-4141	68	4	financial	financial	ADJ
fsr-4141	68	5	well	well	ADV
fsr-4141	68	6	-	-	PUNCT
fsr-4141	68	7	being	being	NOUN
fsr-4141	68	8	result	result	NOUN
fsr-4141	68	9	in	in	ADP
fsr-4141	68	10	financial	financial	ADJ
fsr-4141	68	11	vulnerability	vulnerability	NOUN
fsr-4141	68	12	(	(	PUNCT
fsr-4141	68	13	beckmann	beckmann	PROPN
fsr-4141	68	14	&	&	CCONJ
fsr-4141	68	15	kiesl	kiesl	PROPN
fsr-4141	68	16	-	-	PUNCT
fsr-4141	68	17	reiter	reiter	PROPN
fsr-4141	68	18	,	,	PUNCT
fsr-4141	68	19	2023	2023	NUM
fsr-4141	68	20	)	)	PUNCT
fsr-4141	68	21	,	,	PUNCT
fsr-4141	68	22	which	which	PRON
fsr-4141	68	23	,	,	PUNCT
fsr-4141	68	24	in	in	ADP
fsr-4141	68	25	turn	turn	NOUN
fsr-4141	68	26	,	,	PUNCT
fsr-4141	68	27	can	can	AUX
fsr-4141	68	28	hinder	hinder	VERB
fsr-4141	68	29	households	household	NOUN
fsr-4141	68	30	from	from	ADP
fsr-4141	68	31	accessing	access	VERB
fsr-4141	68	32	financial	financial	ADJ
fsr-4141	68	33	credit	credit	NOUN
fsr-4141	68	34	,	,	PUNCT
fsr-4141	68	35	compelling	compel	VERB
fsr-4141	68	36	them	they	PRON
fsr-4141	68	37	to	to	PART
fsr-4141	68	38	borrow	borrow	VERB
fsr-4141	68	39	money	money	NOUN
fsr-4141	68	40	from	from	ADP
fsr-4141	68	41	surrounding	surround	VERB
fsr-4141	68	42	communities	community	NOUN
fsr-4141	68	43	,	,	PUNCT
fsr-4141	68	44	such	such	ADJ
fsr-4141	68	45	as	as	ADP
fsr-4141	68	46	family	family	NOUN
fsr-4141	68	47	and	and	CCONJ
fsr-4141	68	48	friends	friend	NOUN
fsr-4141	68	49	.	.	PUNCT
fsr-4141	69	1	inflation	inflation	NOUN
fsr-4141	69	2	and	and	CCONJ
fsr-4141	69	3	gross	gross	ADJ
fsr-4141	69	4	domestic	domestic	ADJ
fsr-4141	69	5	product	product	NOUN
fsr-4141	69	6	(	(	PUNCT
fsr-4141	69	7	gdp	gdp	NOUN
fsr-4141	69	8	)	)	PUNCT
fsr-4141	69	9	per	per	ADP
fsr-4141	69	10	capita	capita	X
fsr-4141	69	11	are	be	AUX
fsr-4141	69	12	other	other	ADJ
fsr-4141	69	13	factors	factor	NOUN
fsr-4141	69	14	that	that	PRON
fsr-4141	69	15	can	can	AUX
fsr-4141	69	16	affect	affect	VERB
fsr-4141	69	17	household	household	NOUN
fsr-4141	69	18	financial	financial	ADJ
fsr-4141	69	19	management	management	NOUN
fsr-4141	69	20	and	and	CCONJ
fsr-4141	69	21	all	all	DET
fsr-4141	69	22	kinds	kind	NOUN
fsr-4141	69	23	of	of	ADP
fsr-4141	69	24	borrowing	borrowing	NOUN
fsr-4141	69	25	(	(	PUNCT
fsr-4141	69	26	nourallah	nourallah	PROPN
fsr-4141	69	27	et	et	PROPN
fsr-4141	69	28	al	al	PROPN
fsr-4141	69	29	.	.	PROPN
fsr-4141	69	30	,	,	PUNCT
fsr-4141	69	31	2024	2024	NUM
fsr-4141	69	32	)	)	PUNCT
fsr-4141	69	33	.	.	PUNCT
fsr-4141	70	1	taken	take	VERB
fsr-4141	70	2	together	together	ADV
fsr-4141	70	3	,	,	PUNCT
fsr-4141	70	4	it	it	PRON
fsr-4141	70	5	can	can	AUX
fsr-4141	70	6	be	be	AUX
fsr-4141	70	7	hypothesized	hypothesize	VERB
fsr-4141	70	8	that	that	SCONJ
fsr-4141	70	9	the	the	DET
fsr-4141	70	10	use	use	NOUN
fsr-4141	70	11	of	of	ADP
fsr-4141	70	12	debit	debit	NOUN
fsr-4141	70	13	cards	card	NOUN
fsr-4141	70	14	,	,	PUNCT
fsr-4141	70	15	saving	save	VERB
fsr-4141	70	16	behavior	behavior	NOUN
fsr-4141	70	17	,	,	PUNCT
fsr-4141	70	18	educational	educational	ADJ
fsr-4141	70	19	background	background	NOUN
fsr-4141	70	20	,	,	PUNCT
fsr-4141	70	21	the	the	DET
fsr-4141	70	22	opportunity	opportunity	NOUN
fsr-4141	70	23	to	to	PART
fsr-4141	70	24	borrow	borrow	VERB
fsr-4141	70	25	from	from	ADP
fsr-4141	70	26	a	a	DET
fsr-4141	70	27	formal	formal	ADJ
fsr-4141	70	28	financial	financial	ADJ
fsr-4141	70	29	institution	institution	NOUN
fsr-4141	70	30	,	,	PUNCT
fsr-4141	70	31	financial	financial	ADJ
fsr-4141	70	32	well	well	NOUN
fsr-4141	70	33	-	-	PUNCT
fsr-4141	70	34	being	being	NOUN
fsr-4141	70	35	,	,	PUNCT
fsr-4141	70	36	inflation	inflation	NOUN
fsr-4141	70	37	,	,	PUNCT
fsr-4141	70	38	and	and	CCONJ
fsr-4141	70	39	gdp	gdp	NOUN
fsr-4141	70	40	all	all	PRON
fsr-4141	70	41	affect	affect	VERB
fsr-4141	70	42	the	the	DET
fsr-4141	70	43	behavior	behavior	NOUN
fsr-4141	70	44	of	of	ADP
fsr-4141	70	45	borrowing	borrowing	NOUN
fsr-4141	70	46	from	from	ADP
fsr-4141	70	47	family	family	NOUN
fsr-4141	70	48	and	and	CCONJ
fsr-4141	70	49	friends	friend	NOUN
fsr-4141	70	50	.	.	PUNCT
fsr-4141	71	1	method	method	NOUN
fsr-4141	71	2	in	in	ADP
fsr-4141	71	3	this	this	DET
fsr-4141	71	4	study	study	NOUN
fsr-4141	71	5	,	,	PUNCT
fsr-4141	71	6	we	we	PRON
fsr-4141	71	7	extract	extract	VERB
fsr-4141	71	8	annual	annual	ADJ
fsr-4141	71	9	data	datum	NOUN
fsr-4141	71	10	for	for	ADP
fsr-4141	71	11	a	a	DET
fsr-4141	71	12	sample	sample	NOUN
fsr-4141	71	13	of	of	ADP
fsr-4141	71	14	24	24	NUM
fsr-4141	71	15	eu	eu	PROPN
fsr-4141	71	16	member	member	NOUN
fsr-4141	71	17	states	state	NOUN
fsr-4141	71	18	for	for	ADP
fsr-4141	71	19	2014	2014	NUM
fsr-4141	71	20	,	,	PUNCT
fsr-4141	71	21	2017	2017	NUM
fsr-4141	71	22	,	,	PUNCT
fsr-4141	71	23	and	and	CCONJ
fsr-4141	71	24	2021	2021	NUM
fsr-4141	71	25	to	to	PART
fsr-4141	71	26	examine	examine	VERB
fsr-4141	71	27	factors	factor	NOUN
fsr-4141	71	28	that	that	PRON
fsr-4141	71	29	might	might	AUX
fsr-4141	71	30	affect	affect	VERB
fsr-4141	71	31	diab	diab	PROPN
fsr-4141	71	32	et	et	PROPN
fsr-4141	71	33	al	al	PROPN
fsr-4141	71	34	.	.	PROPN
fsr-4141	71	35	51	51	NUM
fsr-4141	71	36	borrowing	borrowing	NOUN
fsr-4141	71	37	from	from	ADP
fsr-4141	71	38	family	family	NOUN
fsr-4141	71	39	or	or	CCONJ
fsr-4141	71	40	friends	friend	NOUN
fsr-4141	71	41	.	.	PUNCT
fsr-4141	72	1	due	due	ADP
fsr-4141	72	2	to	to	ADP
fsr-4141	72	3	the	the	DET
fsr-4141	72	4	lack	lack	NOUN
fsr-4141	72	5	of	of	ADP
fsr-4141	72	6	data	data	PROPN
fsr-4141	72	7	,	,	PUNCT
fsr-4141	72	8	luxembourg	luxembourg	PROPN
fsr-4141	72	9	,	,	PUNCT
fsr-4141	72	10	slovenia	slovenia	PROPN
fsr-4141	72	11	,	,	PUNCT
fsr-4141	72	12	and	and	CCONJ
fsr-4141	72	13	the	the	DET
fsr-4141	72	14	slovak	slovak	ADJ
fsr-4141	72	15	republic	republic	NOUN
fsr-4141	72	16	are	be	AUX
fsr-4141	72	17	excluded	exclude	VERB
fsr-4141	72	18	.	.	PUNCT
fsr-4141	73	1	the	the	DET
fsr-4141	73	2	selected	select	VERB
fsr-4141	73	3	time	time	NOUN
fsr-4141	73	4	frame	frame	NOUN
fsr-4141	73	5	is	be	AUX
fsr-4141	73	6	determined	determine	VERB
fsr-4141	73	7	by	by	ADP
fsr-4141	73	8	data	datum	NOUN
fsr-4141	73	9	availability	availability	NOUN
fsr-4141	73	10	.	.	PUNCT
fsr-4141	74	1	we	we	PRON
fsr-4141	74	2	use	use	VERB
fsr-4141	74	3	data	datum	NOUN
fsr-4141	74	4	from	from	ADP
fsr-4141	74	5	the	the	DET
fsr-4141	74	6	world	world	PROPN
fsr-4141	74	7	bank	bank	PROPN
fsr-4141	74	8	’s	’s	PART
fsr-4141	74	9	global	global	ADJ
fsr-4141	74	10	findex	findex	PROPN
fsr-4141	74	11	database	database	NOUN
fsr-4141	74	12	on	on	ADP
fsr-4141	74	13	borrowing	borrow	VERB
fsr-4141	74	14	from	from	ADP
fsr-4141	74	15	family	family	NOUN
fsr-4141	74	16	or	or	CCONJ
fsr-4141	74	17	friends	friend	NOUN
fsr-4141	74	18	(	(	PUNCT
fsr-4141	74	19	bff	bff	PROPN
fsr-4141	74	20	)	)	PUNCT
fsr-4141	74	21	,	,	PUNCT
fsr-4141	74	22	savings	saving	NOUN
fsr-4141	74	23	(	(	PUNCT
fsr-4141	74	24	saving	saving	NOUN
fsr-4141	74	25	)	)	PUNCT
fsr-4141	74	26	,	,	PUNCT
fsr-4141	74	27	and	and	CCONJ
fsr-4141	74	28	borrowing	borrow	VERB
fsr-4141	74	29	from	from	ADP
fsr-4141	74	30	a	a	DET
fsr-4141	74	31	formal	formal	ADJ
fsr-4141	74	32	financial	financial	ADJ
fsr-4141	74	33	institution	institution	NOUN
fsr-4141	74	34	(	(	PUNCT
fsr-4141	74	35	bfi	bfi	PROPN
fsr-4141	74	36	)	)	PUNCT
fsr-4141	74	37	(	(	PUNCT
fsr-4141	74	38	demirgüç	demirgüç	NOUN
fsr-4141	74	39	-	-	PUNCT
fsr-4141	74	40	kunt	kunt	PROPN
fsr-4141	74	41	et	et	PROPN
fsr-4141	74	42	al	al	PROPN
fsr-4141	74	43	.	.	PROPN
fsr-4141	74	44	,	,	PUNCT
fsr-4141	74	45	2022	2022	NUM
fsr-4141	74	46	)	)	PUNCT
fsr-4141	74	47	.	.	PUNCT
fsr-4141	75	1	inflation	inflation	NOUN
fsr-4141	75	2	(	(	PUNCT
fsr-4141	75	3	inf	inf	NOUN
fsr-4141	75	4	)	)	PUNCT
fsr-4141	75	5	and	and	CCONJ
fsr-4141	75	6	the	the	DET
fsr-4141	75	7	growth	growth	NOUN
fsr-4141	75	8	rate	rate	NOUN
fsr-4141	75	9	of	of	ADP
fsr-4141	75	10	gross	gross	ADJ
fsr-4141	75	11	domestic	domestic	ADJ
fsr-4141	75	12	product	product	NOUN
fsr-4141	75	13	per	per	ADP
fsr-4141	75	14	capita	capita	X
fsr-4141	75	15	(	(	PUNCT
fsr-4141	75	16	gdp	gdp	NOUN
fsr-4141	75	17	)	)	PUNCT
fsr-4141	75	18	are	be	AUX
fsr-4141	75	19	taken	take	VERB
fsr-4141	75	20	from	from	ADP
fsr-4141	75	21	the	the	DET
fsr-4141	75	22	world	world	NOUN
fsr-4141	75	23	development	development	NOUN
fsr-4141	75	24	indicators	indicator	NOUN
fsr-4141	75	25	database	database	NOUN
fsr-4141	75	26	(	(	PUNCT
fsr-4141	75	27	the	the	DET
fsr-4141	75	28	world	world	PROPN
fsr-4141	75	29	bank	bank	PROPN
fsr-4141	75	30	,	,	PUNCT
fsr-4141	75	31	2024	2024	NUM
fsr-4141	75	32	)	)	PUNCT
fsr-4141	75	33	.	.	PUNCT
fsr-4141	76	1	moreover	moreover	ADV
fsr-4141	76	2	,	,	PUNCT
fsr-4141	76	3	we	we	PRON
fsr-4141	76	4	use	use	VERB
fsr-4141	76	5	data	datum	NOUN
fsr-4141	76	6	on	on	ADP
fsr-4141	76	7	the	the	DET
fsr-4141	76	8	total	total	ADJ
fsr-4141	76	9	number	number	NOUN
fsr-4141	76	10	of	of	ADP
fsr-4141	76	11	debit	debit	NOUN
fsr-4141	76	12	(	(	PUNCT
fsr-4141	76	13	debit	debit	NOUN
fsr-4141	76	14	)	)	PUNCT
fsr-4141	76	15	and	and	CCONJ
fsr-4141	76	16	credit	credit	NOUN
fsr-4141	76	17	(	(	PUNCT
fsr-4141	76	18	credit	credit	NOUN
fsr-4141	76	19	)	)	PUNCT
fsr-4141	76	20	cards	card	NOUN
fsr-4141	76	21	from	from	ADP
fsr-4141	76	22	the	the	DET
fsr-4141	76	23	financial	financial	ADJ
fsr-4141	76	24	access	access	NOUN
fsr-4141	76	25	survey	survey	NOUN
fsr-4141	76	26	(	(	PUNCT
fsr-4141	76	27	international	international	ADJ
fsr-4141	76	28	monetary	monetary	ADJ
fsr-4141	76	29	fund	fund	NOUN
fsr-4141	76	30	,	,	PUNCT
fsr-4141	76	31	2024	2024	NUM
fsr-4141	76	32	)	)	PUNCT
fsr-4141	76	33	.	.	PUNCT
fsr-4141	77	1	since	since	SCONJ
fsr-4141	77	2	debit	debit	NOUN
fsr-4141	77	3	and	and	CCONJ
fsr-4141	77	4	credit	credit	NOUN
fsr-4141	77	5	are	be	AUX
fsr-4141	77	6	expressed	express	VERB
fsr-4141	77	7	in	in	ADP
fsr-4141	77	8	billions	billion	NOUN
fsr-4141	77	9	,	,	PUNCT
fsr-4141	77	10	whereas	whereas	SCONJ
fsr-4141	77	11	the	the	DET
fsr-4141	77	12	remaining	remain	VERB
fsr-4141	77	13	variables	variable	NOUN
fsr-4141	77	14	are	be	AUX
fsr-4141	77	15	expressed	express	VERB
fsr-4141	77	16	as	as	ADP
fsr-4141	77	17	percentages	percentage	NOUN
fsr-4141	77	18	,	,	PUNCT
fsr-4141	77	19	these	these	DET
fsr-4141	77	20	two	two	NUM
fsr-4141	77	21	variables	variable	NOUN
fsr-4141	77	22	are	be	AUX
fsr-4141	77	23	standardized	standardize	VERB
fsr-4141	77	24	by	by	ADP
fsr-4141	77	25	subtracting	subtract	VERB
fsr-4141	77	26	their	their	PRON
fsr-4141	77	27	respective	respective	ADJ
fsr-4141	77	28	means	mean	NOUN
fsr-4141	77	29	and	and	CCONJ
fsr-4141	77	30	dividing	divide	VERB
fsr-4141	77	31	by	by	ADP
fsr-4141	77	32	their	their	PRON
fsr-4141	77	33	standard	standard	ADJ
fsr-4141	77	34	deviations	deviation	NOUN
fsr-4141	77	35	to	to	PART
fsr-4141	77	36	ensure	ensure	VERB
fsr-4141	77	37	comparability	comparability	NOUN
fsr-4141	77	38	.	.	PUNCT
fsr-4141	78	1	information	information	NOUN
fsr-4141	78	2	about	about	ADP
fsr-4141	78	3	the	the	DET
fsr-4141	78	4	adult	adult	NOUN
fsr-4141	78	5	participation	participation	NOUN
fsr-4141	78	6	rate	rate	NOUN
fsr-4141	78	7	in	in	ADP
fsr-4141	78	8	learning	learn	VERB
fsr-4141	78	9	(	(	PUNCT
fsr-4141	78	10	apl	apl	PROPN
fsr-4141	78	11	)	)	PUNCT
fsr-4141	78	12	and	and	CCONJ
fsr-4141	78	13	financial	financial	ADJ
fsr-4141	78	14	well	well	NOUN
fsr-4141	78	15	-	-	PUNCT
fsr-4141	78	16	being	be	AUX
fsr-4141	78	17	(	(	PUNCT
fsr-4141	78	18	fwb	fwb	PROPN
fsr-4141	78	19	)	)	PUNCT
fsr-4141	78	20	is	be	AUX
fsr-4141	78	21	based	base	VERB
fsr-4141	78	22	on	on	ADP
fsr-4141	78	23	data	datum	NOUN
fsr-4141	78	24	from	from	ADP
fsr-4141	78	25	eurostat	eurostat	PROPN
fsr-4141	78	26	(	(	PUNCT
fsr-4141	78	27	n.d	n.d	PROPN
fsr-4141	78	28	.	.	PROPN
fsr-4141	78	29	)	)	PUNCT
fsr-4141	78	30	.	.	PUNCT
fsr-4141	79	1	we	we	PRON
fsr-4141	79	2	further	far	ADV
fsr-4141	79	3	incorporate	incorporate	VERB
fsr-4141	79	4	data	datum	NOUN
fsr-4141	79	5	on	on	ADP
fsr-4141	79	6	the	the	DET
fsr-4141	79	7	participation	participation	NOUN
fsr-4141	79	8	rate	rate	NOUN
fsr-4141	79	9	of	of	ADP
fsr-4141	79	10	youth	youth	NOUN
fsr-4141	79	11	and	and	CCONJ
fsr-4141	79	12	adults	adult	NOUN
fsr-4141	79	13	in	in	ADP
fsr-4141	79	14	formal	formal	ADJ
fsr-4141	79	15	and	and	CCONJ
fsr-4141	79	16	non	non	ADJ
fsr-4141	79	17	-	-	ADJ
fsr-4141	79	18	formal	formal	ADJ
fsr-4141	79	19	education	education	NOUN
fsr-4141	79	20	and	and	CCONJ
fsr-4141	79	21	training	training	NOUN
fsr-4141	79	22	(	(	PUNCT
fsr-4141	79	23	educ	educ	PROPN
fsr-4141	79	24	)	)	PUNCT
fsr-4141	79	25	from	from	ADP
fsr-4141	79	26	the	the	DET
fsr-4141	79	27	unesco	unesco	PROPN
fsr-4141	79	28	institute	institute	PROPN
fsr-4141	79	29	for	for	ADP
fsr-4141	79	30	statistics	statistic	NOUN
fsr-4141	79	31	(	(	PUNCT
fsr-4141	79	32	n.d	n.d	PROPN
fsr-4141	79	33	.	.	PROPN
fsr-4141	79	34	)	)	PUNCT
fsr-4141	79	35	.	.	PUNCT
fsr-4141	80	1	in	in	ADP
fsr-4141	80	2	line	line	NOUN
fsr-4141	80	3	with	with	ADP
fsr-4141	80	4	nourallah	nourallah	PROPN
fsr-4141	80	5	et	et	PROPN
fsr-4141	80	6	al	al	PROPN
fsr-4141	80	7	.	.	PROPN
fsr-4141	81	1	(	(	PUNCT
fsr-4141	81	2	2024	2024	NUM
fsr-4141	81	3	)	)	PUNCT
fsr-4141	81	4	,	,	PUNCT
fsr-4141	81	5	the	the	DET
fsr-4141	81	6	variable	variable	ADJ
fsr-4141	81	7	saving	saving	NOUN
fsr-4141	81	8	is	be	AUX
fsr-4141	81	9	computed	compute	VERB
fsr-4141	81	10	as	as	ADP
fsr-4141	81	11	an	an	DET
fsr-4141	81	12	average	average	NOUN
fsr-4141	81	13	of	of	ADP
fsr-4141	81	14	the	the	DET
fsr-4141	81	15	percentages	percentage	NOUN
fsr-4141	81	16	of	of	ADP
fsr-4141	81	17	respondents	respondent	NOUN
fsr-4141	81	18	who	who	PRON
fsr-4141	81	19	save	save	VERB
fsr-4141	81	20	money	money	NOUN
fsr-4141	81	21	for	for	ADP
fsr-4141	81	22	any	any	DET
fsr-4141	81	23	reason	reason	NOUN
fsr-4141	81	24	,	,	PUNCT
fsr-4141	81	25	those	those	PRON
fsr-4141	81	26	who	who	PRON
fsr-4141	81	27	save	save	VERB
fsr-4141	81	28	for	for	ADP
fsr-4141	81	29	old	old	ADJ
fsr-4141	81	30	age	age	NOUN
fsr-4141	81	31	,	,	PUNCT
fsr-4141	81	32	and	and	CCONJ
fsr-4141	81	33	those	those	PRON
fsr-4141	81	34	who	who	PRON
fsr-4141	81	35	save	save	VERB
fsr-4141	81	36	at	at	ADP
fsr-4141	81	37	any	any	DET
fsr-4141	81	38	financial	financial	ADJ
fsr-4141	81	39	institution	institution	NOUN
fsr-4141	81	40	.	.	PUNCT
fsr-4141	82	1	calculating	calculate	VERB
fsr-4141	82	2	the	the	DET
fsr-4141	82	3	average	average	NOUN
fsr-4141	82	4	of	of	ADP
fsr-4141	82	5	these	these	DET
fsr-4141	82	6	three	three	NUM
fsr-4141	82	7	distinct	distinct	ADJ
fsr-4141	82	8	percentages	percentage	NOUN
fsr-4141	82	9	provides	provide	VERB
fsr-4141	82	10	a	a	DET
fsr-4141	82	11	holistic	holistic	ADJ
fsr-4141	82	12	measure	measure	NOUN
fsr-4141	82	13	of	of	ADP
fsr-4141	82	14	saving	save	VERB
fsr-4141	82	15	behavior	behavior	NOUN
fsr-4141	82	16	.	.	PUNCT
fsr-4141	83	1	moreover	moreover	ADV
fsr-4141	83	2	,	,	PUNCT
fsr-4141	83	3	fwb	fwb	PROPN
fsr-4141	83	4	is	be	AUX
fsr-4141	83	5	assessed	assess	VERB
fsr-4141	83	6	through	through	ADP
fsr-4141	83	7	two	two	NUM
fsr-4141	83	8	variables	variable	NOUN
fsr-4141	83	9	:	:	PUNCT
fsr-4141	83	10	the	the	DET
fsr-4141	83	11	average	average	ADJ
fsr-4141	83	12	rating	rating	NOUN
fsr-4141	83	13	of	of	ADP
fsr-4141	83	14	satisfaction	satisfaction	NOUN
fsr-4141	83	15	,	,	PUNCT
fsr-4141	83	16	and	and	CCONJ
fsr-4141	83	17	the	the	DET
fsr-4141	83	18	distribution	distribution	NOUN
fsr-4141	83	19	of	of	ADP
fsr-4141	83	20	the	the	DET
fsr-4141	83	21	population	population	NOUN
fsr-4141	83	22	aged	age	VERB
fsr-4141	83	23	18	18	NUM
fsr-4141	83	24	and	and	CCONJ
fsr-4141	83	25	over	over	ADV
fsr-4141	83	26	by	by	ADP
fsr-4141	83	27	health	health	NOUN
fsr-4141	83	28	status	status	NOUN
fsr-4141	83	29	(	(	PUNCT
fsr-4141	83	30	very	very	ADV
fsr-4141	83	31	good	good	ADJ
fsr-4141	83	32	)	)	PUNCT
fsr-4141	83	33	.	.	PUNCT
fsr-4141	84	1	the	the	DET
fsr-4141	84	2	appendix	appendix	ADJ
fsr-4141	84	3	reports	report	NOUN
fsr-4141	84	4	all	all	DET
fsr-4141	84	5	employed	employ	VERB
fsr-4141	84	6	variables	variable	NOUN
fsr-4141	84	7	along	along	ADV
fsr-4141	84	8	with	with	ADP
fsr-4141	84	9	their	their	PRON
fsr-4141	84	10	definitions	definition	NOUN
fsr-4141	84	11	and	and	CCONJ
fsr-4141	84	12	the	the	DET
fsr-4141	84	13	sources	source	NOUN
fsr-4141	84	14	from	from	ADP
fsr-4141	84	15	which	which	PRON
fsr-4141	84	16	we	we	PRON
fsr-4141	84	17	extract	extract	VERB
fsr-4141	84	18	them	they	PRON
fsr-4141	84	19	.	.	PUNCT
fsr-4141	85	1	at	at	ADP
fsr-4141	85	2	the	the	DET
fsr-4141	85	3	top	top	NOUN
fsr-4141	85	4	,	,	PUNCT
fsr-4141	85	5	we	we	PRON
fsr-4141	85	6	find	find	VERB
fsr-4141	85	7	the	the	DET
fsr-4141	85	8	dependent	dependent	ADJ
fsr-4141	85	9	variable	variable	NOUN
fsr-4141	85	10	,	,	PUNCT
fsr-4141	85	11	i.e.	i.e.	X
fsr-4141	85	12	,	,	PUNCT
fsr-4141	85	13	borrowing	borrow	VERB
fsr-4141	85	14	from	from	ADP
fsr-4141	85	15	family	family	NOUN
fsr-4141	85	16	and	and	CCONJ
fsr-4141	85	17	friends	friend	NOUN
fsr-4141	85	18	,	,	PUNCT
fsr-4141	85	19	followed	follow	VERB
fsr-4141	85	20	by	by	ADP
fsr-4141	85	21	the	the	DET
fsr-4141	85	22	independent	independent	ADJ
fsr-4141	85	23	variables	variable	NOUN
fsr-4141	85	24	and	and	CCONJ
fsr-4141	85	25	finally	finally	ADV
fsr-4141	85	26	the	the	DET
fsr-4141	85	27	two	two	NUM
fsr-4141	85	28	control	control	NOUN
fsr-4141	85	29	variables	variable	NOUN
fsr-4141	85	30	,	,	PUNCT
fsr-4141	85	31	i.e.	i.e.	X
fsr-4141	85	32	,	,	PUNCT
fsr-4141	85	33	inflation	inflation	NOUN
fsr-4141	85	34	and	and	CCONJ
fsr-4141	85	35	gdp	gdp	NOUN
fsr-4141	85	36	.	.	PUNCT
fsr-4141	86	1	to	to	PART
fsr-4141	86	2	study	study	VERB
fsr-4141	86	3	the	the	DET
fsr-4141	86	4	determinants	determinant	NOUN
fsr-4141	86	5	of	of	ADP
fsr-4141	86	6	borrowing	borrowing	NOUN
fsr-4141	86	7	from	from	ADP
fsr-4141	86	8	friends	friend	NOUN
fsr-4141	86	9	or	or	CCONJ
fsr-4141	86	10	family	family	NOUN
fsr-4141	86	11	,	,	PUNCT
fsr-4141	86	12	we	we	PRON
fsr-4141	86	13	employ	employ	VERB
fsr-4141	86	14	the	the	DET
fsr-4141	86	15	following	follow	VERB
fsr-4141	86	16	panel	panel	NOUN
fsr-4141	86	17	regression	regression	NOUN
fsr-4141	86	18	model	model	NOUN
fsr-4141	86	19	:	:	PUNCT
fsr-4141	86	20	bffi	bffi	PROPN
fsr-4141	86	21	,	,	PUNCT
fsr-4141	86	22	t	t	PROPN
fsr-4141	86	23	=	=	SYM
fsr-4141	86	24	β0	β0	PROPN
fsr-4141	86	25	+	+	CCONJ
fsr-4141	86	26	β1*debiti	β1*debiti	NUM
fsr-4141	86	27	,	,	PUNCT
fsr-4141	86	28	t	t	PROPN
fsr-4141	86	29	+	+	X
fsr-4141	86	30	β2*savingi	β2*savingi	PROPN
fsr-4141	86	31	,	,	PUNCT
fsr-4141	86	32	t	t	PROPN
fsr-4141	86	33	+	+	CCONJ
fsr-4141	86	34	β3*educi	β3*educi	PROPN
fsr-4141	86	35	,	,	PUNCT
fsr-4141	86	36	t	t	PROPN
fsr-4141	86	37	+	+	CCONJ
fsr-4141	86	38	β4*bfii	β4*bfii	PROPN
fsr-4141	86	39	,	,	PUNCT
fsr-4141	86	40	t	t	PROPN
fsr-4141	86	41	+	+	CCONJ
fsr-4141	86	42	β5*fwbi	β5*fwbi	PROPN
fsr-4141	86	43	,	,	PUNCT
fsr-4141	86	44	t	t	PROPN
fsr-4141	86	45	+	+	CCONJ
fsr-4141	86	46	β6*infi	β6*infi	PROPN
fsr-4141	86	47	,	,	PUNCT
fsr-4141	86	48	t	t	PROPN
fsr-4141	86	49	+	+	CCONJ
fsr-4141	86	50	β7*gdpi	β7*gdpi	PROPN
fsr-4141	86	51	,	,	PUNCT
fsr-4141	86	52	t	t	PROPN
fsr-4141	86	53	+	+	CCONJ
fsr-4141	86	54	εi	εi	VERB
fsr-4141	86	55	,	,	PUNCT
fsr-4141	86	56	t	t	PROPN
fsr-4141	86	57	where	where	SCONJ
fsr-4141	86	58	bffi	bffi	PROPN
fsr-4141	86	59	,	,	PUNCT
fsr-4141	86	60	t	t	PROPN
fsr-4141	86	61	represents	represent	VERB
fsr-4141	86	62	the	the	DET
fsr-4141	86	63	percentage	percentage	NOUN
fsr-4141	86	64	of	of	ADP
fsr-4141	86	65	borrowing	borrowing	NOUN
fsr-4141	86	66	from	from	ADP
fsr-4141	86	67	family	family	NOUN
fsr-4141	86	68	and	and	CCONJ
fsr-4141	86	69	friends	friend	NOUN
fsr-4141	86	70	,	,	PUNCT
fsr-4141	86	71	debiti	debiti	NOUN
fsr-4141	86	72	,	,	PUNCT
fsr-4141	86	73	t	t	PROPN
fsr-4141	86	74	the	the	DET
fsr-4141	86	75	standardized	standardized	ADJ
fsr-4141	86	76	total	total	ADJ
fsr-4141	86	77	number	number	NOUN
fsr-4141	86	78	of	of	ADP
fsr-4141	86	79	debit	debit	NOUN
fsr-4141	86	80	cards	card	NOUN
fsr-4141	86	81	,	,	PUNCT
fsr-4141	86	82	savingi	savingi	PROPN
fsr-4141	86	83	,	,	PUNCT
fsr-4141	86	84	t	t	X
fsr-4141	86	85	the	the	DET
fsr-4141	86	86	percentage	percentage	NOUN
fsr-4141	86	87	of	of	ADP
fsr-4141	86	88	respondents	respondent	NOUN
fsr-4141	86	89	saving	save	VERB
fsr-4141	86	90	money	money	NOUN
fsr-4141	86	91	,	,	PUNCT
fsr-4141	86	92	educi	educi	PROPN
fsr-4141	86	93	,	,	PUNCT
fsr-4141	86	94	t	t	PROPN
fsr-4141	86	95	the	the	DET
fsr-4141	86	96	participation	participation	NOUN
fsr-4141	86	97	rate	rate	NOUN
fsr-4141	86	98	of	of	ADP
fsr-4141	86	99	youths	youth	NOUN
fsr-4141	86	100	and	and	CCONJ
fsr-4141	86	101	adults	adult	NOUN
fsr-4141	86	102	in	in	ADP
fsr-4141	86	103	education	education	NOUN
fsr-4141	86	104	and	and	CCONJ
fsr-4141	86	105	training	training	NOUN
fsr-4141	86	106	,	,	PUNCT
fsr-4141	86	107	bfii	bfii	NOUN
fsr-4141	86	108	,	,	PUNCT
fsr-4141	86	109	t	t	NOUN
fsr-4141	86	110	borrowing	borrowing	NOUN
fsr-4141	86	111	from	from	ADP
fsr-4141	86	112	a	a	DET
fsr-4141	86	113	formal	formal	ADJ
fsr-4141	86	114	financial	financial	ADJ
fsr-4141	86	115	institution	institution	NOUN
fsr-4141	86	116	,	,	PUNCT
fsr-4141	86	117	fwbi	fwbi	PROPN
fsr-4141	86	118	,	,	PUNCT
fsr-4141	86	119	t	t	PROPN
fsr-4141	86	120	financial	financial	ADJ
fsr-4141	86	121	well	well	ADV
fsr-4141	86	122	-	-	PUNCT
fsr-4141	86	123	being	being	NOUN
fsr-4141	86	124	,	,	PUNCT
fsr-4141	86	125	infi	infi	PROPN
fsr-4141	86	126	,	,	PUNCT
fsr-4141	86	127	t	t	PROPN
fsr-4141	86	128	the	the	DET
fsr-4141	86	129	inflation	inflation	NOUN
fsr-4141	86	130	rate	rate	NOUN
fsr-4141	86	131	,	,	PUNCT
fsr-4141	86	132	and	and	CCONJ
fsr-4141	86	133	gdpi	gdpi	PROPN
fsr-4141	86	134	,	,	PUNCT
fsr-4141	86	135	t	t	PROPN
fsr-4141	86	136	the	the	DET
fsr-4141	86	137	gross	gross	ADJ
fsr-4141	86	138	domestic	domestic	ADJ
fsr-4141	86	139	product	product	NOUN
fsr-4141	86	140	per	per	ADP
fsr-4141	86	141	capita	capita	NOUN
fsr-4141	86	142	,	,	PUNCT
fsr-4141	86	143	all	all	PRON
fsr-4141	86	144	for	for	ADP
fsr-4141	86	145	country	country	NOUN
fsr-4141	86	146	i	i	PRON
fsr-4141	86	147	across	across	ADP
fsr-4141	86	148	time	time	NOUN
fsr-4141	86	149	t.	t.	PROPN
fsr-4141	86	150	finally	finally	ADV
fsr-4141	86	151	,	,	PUNCT
fsr-4141	86	152	εi	εi	VERB
fsr-4141	86	153	,	,	PUNCT
fsr-4141	86	154	t	t	PROPN
fsr-4141	86	155	is	be	AUX
fsr-4141	86	156	the	the	DET
fsr-4141	86	157	stochastic	stochastic	ADJ
fsr-4141	86	158	error	error	NOUN
fsr-4141	86	159	term	term	NOUN
fsr-4141	86	160	.	.	PUNCT
fsr-4141	87	1	the	the	DET
fsr-4141	87	2	hausman	hausman	PROPN
fsr-4141	87	3	test	test	NOUN
fsr-4141	87	4	does	do	AUX
fsr-4141	87	5	not	not	PART
fsr-4141	87	6	reject	reject	VERB
fsr-4141	87	7	the	the	DET
fsr-4141	87	8	null	null	ADJ
fsr-4141	87	9	hypothesis	hypothesis	NOUN
fsr-4141	87	10	at	at	ADP
fsr-4141	87	11	the	the	DET
fsr-4141	87	12	5	5	NUM
fsr-4141	87	13	%	%	NOUN
fsr-4141	87	14	significance	significance	NOUN
fsr-4141	87	15	level	level	NOUN
fsr-4141	87	16	(	(	PUNCT
fsr-4141	87	17	prob	prob	NOUN
fsr-4141	87	18	=	=	PUNCT
fsr-4141	87	19	0.5525	0.5525	NUM
fsr-4141	87	20	>	>	SYM
fsr-4141	87	21	0.05	0.05	NUM
fsr-4141	87	22	)	)	PUNCT
fsr-4141	87	23	,	,	PUNCT
fsr-4141	87	24	indicating	indicate	VERB
fsr-4141	87	25	that	that	SCONJ
fsr-4141	87	26	the	the	DET
fsr-4141	87	27	random	random	ADJ
fsr-4141	87	28	-	-	PUNCT
fsr-4141	87	29	effects	effect	NOUN
fsr-4141	87	30	model	model	NOUN
fsr-4141	87	31	is	be	AUX
fsr-4141	87	32	appropriate	appropriate	ADJ
fsr-4141	87	33	for	for	ADP
fsr-4141	87	34	capturing	capture	VERB
fsr-4141	87	35	unobserved	unobserved	ADJ
fsr-4141	87	36	heterogeneity	heterogeneity	NOUN
fsr-4141	87	37	.	.	PUNCT
fsr-4141	88	1	ignoring	ignore	VERB
fsr-4141	88	2	this	this	DET
fsr-4141	88	3	heterogeneity	heterogeneity	NOUN
fsr-4141	88	4	could	could	AUX
fsr-4141	88	5	lead	lead	VERB
fsr-4141	88	6	to	to	ADP
fsr-4141	88	7	omitted	omit	VERB
fsr-4141	88	8	variable	variable	ADJ
fsr-4141	88	9	bias	bias	NOUN
fsr-4141	88	10	.	.	PUNCT
fsr-4141	89	1	it	it	PRON
fsr-4141	89	2	is	be	AUX
fsr-4141	89	3	also	also	ADV
fsr-4141	89	4	worth	worth	ADJ
fsr-4141	89	5	noting	note	VERB
fsr-4141	89	6	that	that	SCONJ
fsr-4141	89	7	the	the	DET
fsr-4141	89	8	random	random	ADJ
fsr-4141	89	9	-	-	PUNCT
fsr-4141	89	10	effects	effect	NOUN
fsr-4141	89	11	model	model	NOUN
fsr-4141	89	12	is	be	AUX
fsr-4141	89	13	an	an	DET
fsr-4141	89	14	appropriate	appropriate	ADJ
fsr-4141	89	15	specification	specification	NOUN
fsr-4141	89	16	because	because	SCONJ
fsr-4141	89	17	the	the	DET
fsr-4141	89	18	data	datum	NOUN
fsr-4141	89	19	are	be	AUX
fsr-4141	89	20	drawn	draw	VERB
fsr-4141	89	21	from	from	ADP
fsr-4141	89	22	a	a	DET
fsr-4141	89	23	survey	survey	NOUN
fsr-4141	89	24	with	with	ADP
fsr-4141	89	25	a	a	DET
fsr-4141	89	26	randomly	randomly	ADV
fsr-4141	89	27	selected	select	VERB
fsr-4141	89	28	sample	sample	NOUN
fsr-4141	89	29	and	and	CCONJ
fsr-4141	89	30	because	because	SCONJ
fsr-4141	89	31	the	the	DET
fsr-4141	89	32	data	datum	NOUN
fsr-4141	89	33	for	for	ADP
fsr-4141	89	34	some	some	DET
fsr-4141	89	35	variables	variable	NOUN
fsr-4141	89	36	remain	remain	VERB
fsr-4141	89	37	constant	constant	ADJ
fsr-4141	89	38	over	over	ADP
fsr-4141	89	39	time	time	NOUN
fsr-4141	89	40	.	.	PUNCT
fsr-4141	90	1	hence	hence	ADV
fsr-4141	90	2	,	,	PUNCT
fsr-4141	90	3	employing	employ	VERB
fsr-4141	90	4	a	a	DET
fsr-4141	90	5	fixed	fix	VERB
fsr-4141	90	6	-	-	PUNCT
fsr-4141	90	7	effects	effect	NOUN
fsr-4141	90	8	model	model	NOUN
fsr-4141	90	9	may	may	AUX
fsr-4141	90	10	lead	lead	VERB
fsr-4141	90	11	to	to	ADP
fsr-4141	90	12	collinearity	collinearity	NOUN
fsr-4141	90	13	issues	issue	NOUN
fsr-4141	90	14	.	.	PUNCT
fsr-4141	91	1	moreover	moreover	ADV
fsr-4141	91	2	,	,	PUNCT
fsr-4141	91	3	we	we	PRON
fsr-4141	91	4	conduct	conduct	VERB
fsr-4141	91	5	the	the	DET
fsr-4141	91	6	woolridge	woolridge	NOUN
fsr-4141	91	7	test	test	NOUN
fsr-4141	91	8	for	for	ADP
fsr-4141	91	9	serial	serial	ADJ
fsr-4141	91	10	correlation	correlation	NOUN
fsr-4141	91	11	,	,	PUNCT
fsr-4141	91	12	failing	fail	VERB
fsr-4141	91	13	to	to	PART
fsr-4141	91	14	reject	reject	VERB
fsr-4141	91	15	the	the	DET
fsr-4141	91	16	null	null	ADJ
fsr-4141	91	17	hypothesis	hypothesis	NOUN
fsr-4141	91	18	of	of	ADP
fsr-4141	91	19	no	no	DET
fsr-4141	91	20	autocorrelation	autocorrelation	NOUN
fsr-4141	91	21	at	at	ADP
fsr-4141	91	22	the	the	DET
fsr-4141	91	23	5	5	NUM
fsr-4141	91	24	%	%	NOUN
fsr-4141	91	25	significance	significance	NOUN
fsr-4141	91	26	level	level	NOUN
fsr-4141	91	27	(	(	PUNCT
fsr-4141	91	28	prob	prob	NOUN
fsr-4141	91	29	=	=	PUNCT
fsr-4141	91	30	0.1895	0.1895	NUM
fsr-4141	91	31	>	>	PUNCT
fsr-4141	91	32	0.05	0.05	NUM
fsr-4141	91	33	)	)	PUNCT
fsr-4141	91	34	.	.	PUNCT
fsr-4141	92	1	we	we	PRON
fsr-4141	92	2	further	far	ADV
fsr-4141	92	3	conduct	conduct	VERB
fsr-4141	92	4	the	the	DET
fsr-4141	92	5	ramsey	ramsey	PROPN
fsr-4141	92	6	reset	reset	NOUN
fsr-4141	92	7	test	test	NOUN
fsr-4141	92	8	for	for	ADP
fsr-4141	92	9	omitted	omit	VERB
fsr-4141	92	10	variables	variable	NOUN
fsr-4141	92	11	in	in	ADP
fsr-4141	92	12	the	the	DET
fsr-4141	92	13	random	random	ADJ
fsr-4141	92	14	-	-	PUNCT
fsr-4141	92	15	effects	effect	NOUN
fsr-4141	92	16	model	model	NOUN
fsr-4141	92	17	.	.	PUNCT
fsr-4141	93	1	the	the	DET
fsr-4141	93	2	results	result	NOUN
fsr-4141	93	3	indicate	indicate	VERB
fsr-4141	93	4	a	a	DET
fsr-4141	93	5	failure	failure	NOUN
fsr-4141	93	6	to	to	PART
fsr-4141	93	7	reject	reject	VERB
fsr-4141	93	8	the	the	DET
fsr-4141	93	9	null	null	ADJ
fsr-4141	93	10	hypothesis	hypothesis	NOUN
fsr-4141	93	11	of	of	ADP
fsr-4141	93	12	no	no	DET
fsr-4141	93	13	omitted	omit	VERB
fsr-4141	93	14	variables	variable	NOUN
fsr-4141	93	15	at	at	ADP
fsr-4141	93	16	the	the	DET
fsr-4141	93	17	5	5	NUM
fsr-4141	93	18	%	%	NOUN
fsr-4141	93	19	significance	significance	NOUN
fsr-4141	93	20	level	level	NOUN
fsr-4141	93	21	(	(	PUNCT
fsr-4141	93	22	prob	prob	NOUN
fsr-4141	93	23	=	=	PUNCT
fsr-4141	93	24	0.3267	0.3267	NUM
fsr-4141	93	25	>	>	X
fsr-4141	93	26	0.05	0.05	NUM
fsr-4141	93	27	)	)	PUNCT
fsr-4141	93	28	,	,	PUNCT
fsr-4141	93	29	showing	show	VERB
fsr-4141	93	30	that	that	SCONJ
fsr-4141	93	31	our	our	PRON
fsr-4141	93	32	model	model	NOUN
fsr-4141	93	33	is	be	AUX
fsr-4141	93	34	well	well	ADV
fsr-4141	93	35	-	-	PUNCT
fsr-4141	93	36	specified	specify	VERB
fsr-4141	93	37	.	.	PUNCT
fsr-4141	94	1	to	to	PART
fsr-4141	94	2	ensure	ensure	VERB
fsr-4141	94	3	our	our	PRON
fsr-4141	94	4	results	result	NOUN
fsr-4141	94	5	’	'	PUNCT
fsr-4141	94	6	robustness	robustness	NOUN
fsr-4141	94	7	and	and	CCONJ
fsr-4141	94	8	account	account	NOUN
fsr-4141	94	9	for	for	ADP
fsr-4141	94	10	potential	potential	ADJ
fsr-4141	94	11	model	model	NOUN
fsr-4141	94	12	misspecifications	misspecification	NOUN
fsr-4141	94	13	,	,	PUNCT
fsr-4141	94	14	we	we	PRON
fsr-4141	94	15	employ	employ	VERB
fsr-4141	94	16	ordinary	ordinary	ADJ
fsr-4141	94	17	least	least	ADJ
fsr-4141	94	18	squares	square	NOUN
fsr-4141	94	19	(	(	PUNCT
fsr-4141	94	20	ols	ol	NOUN
fsr-4141	94	21	)	)	PUNCT
fsr-4141	94	22	and	and	CCONJ
fsr-4141	94	23	panel	panel	NOUN
fsr-4141	94	24	randomeffects	randomeffect	VERB
fsr-4141	94	25	approaches	approach	NOUN
fsr-4141	94	26	to	to	PART
fsr-4141	94	27	estimate	estimate	VERB
fsr-4141	94	28	our	our	PRON
fsr-4141	94	29	model	model	NOUN
fsr-4141	94	30	.	.	PUNCT
fsr-4141	95	1	ols	ol	NOUN
fsr-4141	95	2	provides	provide	VERB
fsr-4141	95	3	a	a	DET
fsr-4141	95	4	straightforward	straightforward	ADJ
fsr-4141	95	5	method	method	NOUN
fsr-4141	95	6	for	for	ADP
fsr-4141	95	7	estimating	estimate	VERB
fsr-4141	95	8	relationships	relationship	NOUN
fsr-4141	95	9	among	among	ADP
fsr-4141	95	10	variables	variable	NOUN
fsr-4141	95	11	,	,	PUNCT
fsr-4141	95	12	and	and	CCONJ
fsr-4141	95	13	panel	panel	NOUN
fsr-4141	95	14	randomeffects	randomeffect	NOUN
fsr-4141	95	15	models	model	NOUN
fsr-4141	95	16	offer	offer	VERB
fsr-4141	95	17	additional	additional	ADJ
fsr-4141	95	18	advantages	advantage	NOUN
fsr-4141	95	19	,	,	PUNCT
fsr-4141	95	20	such	such	ADJ
fsr-4141	95	21	as	as	ADP
fsr-4141	95	22	controlling	control	VERB
fsr-4141	95	23	for	for	ADP
fsr-4141	95	24	unobservable	unobservable	ADJ
fsr-4141	95	25	characteristics	characteristic	NOUN
fsr-4141	95	26	that	that	PRON
fsr-4141	95	27	are	be	AUX
fsr-4141	95	28	individual	individual	ADJ
fsr-4141	95	29	-	-	PUNCT
fsr-4141	95	30	specific	specific	ADJ
fsr-4141	95	31	and	and	CCONJ
fsr-4141	95	32	time	time	NOUN
fsr-4141	95	33	-	-	PUNCT
fsr-4141	95	34	invariant	invariant	ADJ
fsr-4141	95	35	.	.	PUNCT
fsr-4141	96	1	by	by	ADP
fsr-4141	96	2	doing	do	VERB
fsr-4141	96	3	this	this	PRON
fsr-4141	96	4	,	,	PUNCT
fsr-4141	96	5	we	we	PRON
fsr-4141	96	6	aim	aim	VERB
fsr-4141	96	7	to	to	PART
fsr-4141	96	8	validate	validate	VERB
fsr-4141	96	9	the	the	DET
fsr-4141	96	10	consistency	consistency	NOUN
fsr-4141	96	11	of	of	ADP
fsr-4141	96	12	our	our	PRON
fsr-4141	96	13	findings	finding	NOUN
fsr-4141	96	14	across	across	ADP
fsr-4141	96	15	different	different	ADJ
fsr-4141	96	16	strategies	strategy	NOUN
fsr-4141	96	17	and	and	CCONJ
fsr-4141	96	18	enhance	enhance	VERB
fsr-4141	96	19	the	the	DET
fsr-4141	96	20	reliability	reliability	NOUN
fsr-4141	96	21	of	of	ADP
fsr-4141	96	22	our	our	PRON
fsr-4141	96	23	conclusions	conclusion	NOUN
fsr-4141	96	24	.	.	PUNCT
fsr-4141	97	1	financial	financial	ADJ
fsr-4141	97	2	services	service	NOUN
fsr-4141	97	3	review	review	NOUN
fsr-4141	97	4	,	,	PUNCT
fsr-4141	97	5	33(3	33(3	NOUN
fsr-4141	97	6	)	)	PUNCT
fsr-4141	97	7	52	52	NUM
fsr-4141	97	8	results	result	NOUN
fsr-4141	97	9	by	by	ADP
fsr-4141	97	10	analyzing	analyze	VERB
fsr-4141	97	11	the	the	DET
fsr-4141	97	12	data	datum	NOUN
fsr-4141	97	13	on	on	ADP
fsr-4141	97	14	the	the	DET
fsr-4141	97	15	percentage	percentage	NOUN
fsr-4141	97	16	of	of	ADP
fsr-4141	97	17	people	people	NOUN
fsr-4141	97	18	borrowing	borrow	VERB
fsr-4141	97	19	from	from	ADP
fsr-4141	97	20	family	family	NOUN
fsr-4141	97	21	or	or	CCONJ
fsr-4141	97	22	friends	friend	NOUN
fsr-4141	97	23	in	in	ADP
fsr-4141	97	24	2021	2021	NUM
fsr-4141	97	25	compared	compare	VERB
fsr-4141	97	26	with	with	ADP
fsr-4141	97	27	2014	2014	NUM
fsr-4141	97	28	across	across	ADP
fsr-4141	97	29	the	the	DET
fsr-4141	97	30	24	24	NUM
fsr-4141	97	31	eu	eu	PROPN
fsr-4141	97	32	countries	country	NOUN
fsr-4141	97	33	under	under	ADP
fsr-4141	97	34	study	study	NOUN
fsr-4141	97	35	,	,	PUNCT
fsr-4141	97	36	we	we	PRON
fsr-4141	97	37	can	can	AUX
fsr-4141	97	38	observe	observe	VERB
fsr-4141	97	39	the	the	DET
fsr-4141	97	40	emergence	emergence	NOUN
fsr-4141	97	41	of	of	ADP
fsr-4141	97	42	distinct	distinct	ADJ
fsr-4141	97	43	trends	trend	NOUN
fsr-4141	97	44	in	in	ADP
fsr-4141	97	45	figure	figure	NOUN
fsr-4141	97	46	1	1	NUM
fsr-4141	97	47	.	.	PUNCT
fsr-4141	98	1	the	the	DET
fsr-4141	98	2	percentage	percentage	NOUN
fsr-4141	98	3	of	of	ADP
fsr-4141	98	4	such	such	ADJ
fsr-4141	98	5	borrowing	borrowing	NOUN
fsr-4141	98	6	remained	remain	VERB
fsr-4141	98	7	stable	stable	ADJ
fsr-4141	98	8	between	between	ADP
fsr-4141	98	9	2014	2014	NUM
fsr-4141	98	10	and	and	CCONJ
fsr-4141	98	11	2021	2021	NUM
fsr-4141	98	12	in	in	ADP
fsr-4141	98	13	austria	austria	PROPN
fsr-4141	98	14	,	,	PUNCT
fsr-4141	98	15	belgium	belgium	PROPN
fsr-4141	98	16	,	,	PUNCT
fsr-4141	98	17	cyprus	cyprus	PROPN
fsr-4141	98	18	,	,	PUNCT
fsr-4141	98	19	and	and	CCONJ
fsr-4141	98	20	the	the	DET
fsr-4141	98	21	czech	czech	PROPN
fsr-4141	98	22	republic	republic	NOUN
fsr-4141	98	23	.	.	PUNCT
fsr-4141	99	1	an	an	DET
fsr-4141	99	2	increase	increase	NOUN
fsr-4141	99	3	is	be	AUX
fsr-4141	99	4	observed	observe	VERB
fsr-4141	99	5	in	in	ADP
fsr-4141	99	6	2021	2021	NUM
fsr-4141	99	7	as	as	SCONJ
fsr-4141	99	8	opposed	oppose	VERB
fsr-4141	99	9	to	to	ADP
fsr-4141	99	10	2014	2014	NUM
fsr-4141	99	11	in	in	ADP
fsr-4141	99	12	bulgaria	bulgaria	PROPN
fsr-4141	99	13	,	,	PUNCT
fsr-4141	99	14	denmark	denmark	PROPN
fsr-4141	99	15	,	,	PUNCT
fsr-4141	99	16	france	france	PROPN
fsr-4141	99	17	,	,	PUNCT
fsr-4141	99	18	germany	germany	PROPN
fsr-4141	99	19	,	,	PUNCT
fsr-4141	99	20	greece	greece	PROPN
fsr-4141	99	21	,	,	PUNCT
fsr-4141	99	22	malta	malta	PROPN
fsr-4141	99	23	,	,	PUNCT
fsr-4141	99	24	and	and	CCONJ
fsr-4141	99	25	poland	poland	PROPN
fsr-4141	99	26	.	.	PUNCT
fsr-4141	100	1	the	the	DET
fsr-4141	100	2	remaining	remain	VERB
fsr-4141	100	3	countries	country	NOUN
fsr-4141	100	4	experienced	experience	VERB
fsr-4141	100	5	a	a	DET
fsr-4141	100	6	decline	decline	NOUN
fsr-4141	100	7	in	in	ADP
fsr-4141	100	8	the	the	DET
fsr-4141	100	9	borrowing	borrowing	NOUN
fsr-4141	100	10	percentage	percentage	NOUN
fsr-4141	100	11	during	during	ADP
fsr-4141	100	12	the	the	DET
fsr-4141	100	13	same	same	ADJ
fsr-4141	100	14	period	period	NOUN
fsr-4141	100	15	.	.	PUNCT
fsr-4141	101	1	figure	figure	NOUN
fsr-4141	101	2	1	1	NUM
fsr-4141	101	3	.	.	PUNCT
fsr-4141	101	4	borrowed	borrow	VERB
fsr-4141	101	5	from	from	ADP
fsr-4141	101	6	family	family	NOUN
fsr-4141	101	7	or	or	CCONJ
fsr-4141	101	8	friends	friend	NOUN
fsr-4141	101	9	(	(	PUNCT
fsr-4141	101	10	%	%	INTJ
fsr-4141	101	11	age	age	NOUN
fsr-4141	101	12	15	15	NUM
fsr-4141	101	13	+	+	NOUN
fsr-4141	101	14	)	)	PUNCT
fsr-4141	101	15	figure	figure	NOUN
fsr-4141	101	16	1	1	NUM
fsr-4141	101	17	compares	compare	VERB
fsr-4141	101	18	the	the	DET
fsr-4141	101	19	level	level	NOUN
fsr-4141	101	20	of	of	ADP
fsr-4141	101	21	borrowing	borrowing	NOUN
fsr-4141	101	22	from	from	ADP
fsr-4141	101	23	family	family	NOUN
fsr-4141	101	24	or	or	CCONJ
fsr-4141	101	25	friends	friend	NOUN
fsr-4141	101	26	(	(	PUNCT
fsr-4141	101	27	%	%	INTJ
fsr-4141	101	28	age	age	NOUN
fsr-4141	101	29	15	15	NUM
fsr-4141	101	30	+	+	NOUN
fsr-4141	101	31	)	)	PUNCT
fsr-4141	101	32	in	in	ADP
fsr-4141	101	33	24	24	NUM
fsr-4141	101	34	countries	country	NOUN
fsr-4141	101	35	representing	represent	VERB
fsr-4141	101	36	member	member	NOUN
fsr-4141	101	37	states	state	NOUN
fsr-4141	101	38	of	of	ADP
fsr-4141	101	39	the	the	DET
fsr-4141	101	40	european	european	PROPN
fsr-4141	101	41	union	union	PROPN
fsr-4141	101	42	,	,	PUNCT
fsr-4141	101	43	i.e.	i.e.	X
fsr-4141	101	44	,	,	PUNCT
fsr-4141	101	45	all	all	DET
fsr-4141	101	46	countries	country	NOUN
fsr-4141	101	47	except	except	SCONJ
fsr-4141	101	48	luxembourg	luxembourg	PROPN
fsr-4141	101	49	,	,	PUNCT
fsr-4141	101	50	slovenia	slovenia	PROPN
fsr-4141	101	51	,	,	PUNCT
fsr-4141	101	52	and	and	CCONJ
fsr-4141	101	53	the	the	DET
fsr-4141	101	54	slovak	slovak	ADJ
fsr-4141	101	55	republic	republic	NOUN
fsr-4141	101	56	,	,	PUNCT
fsr-4141	101	57	between	between	ADP
fsr-4141	101	58	2014	2014	NUM
fsr-4141	101	59	and	and	CCONJ
fsr-4141	101	60	2021	2021	NUM
fsr-4141	101	61	.	.	PUNCT
fsr-4141	102	1	data	datum	NOUN
fsr-4141	102	2	sources	source	NOUN
fsr-4141	102	3	:	:	PUNCT
fsr-4141	102	4	the	the	DET
fsr-4141	102	5	global	global	ADJ
fsr-4141	102	6	findex	findex	PROPN
fsr-4141	102	7	and	and	CCONJ
fsr-4141	102	8	eurostat	eurostat	PROPN
fsr-4141	102	9	databases	database	NOUN
fsr-4141	102	10	.	.	PUNCT
fsr-4141	103	1	table	table	NOUN
fsr-4141	103	2	1	1	NUM
fsr-4141	103	3	reports	report	NOUN
fsr-4141	103	4	the	the	DET
fsr-4141	103	5	mean	mean	ADJ
fsr-4141	103	6	,	,	PUNCT
fsr-4141	103	7	median	median	ADJ
fsr-4141	103	8	,	,	PUNCT
fsr-4141	103	9	minimum	minimum	ADJ
fsr-4141	103	10	,	,	PUNCT
fsr-4141	103	11	25th	25th	ADJ
fsr-4141	103	12	percentile	percentile	NOUN
fsr-4141	103	13	(	(	PUNCT
fsr-4141	103	14	first	first	ADJ
fsr-4141	103	15	quartile	quartile	NOUN
fsr-4141	103	16	)	)	PUNCT
fsr-4141	103	17	,	,	PUNCT
fsr-4141	103	18	75th	75th	ADJ
fsr-4141	103	19	percentile	percentile	ADJ
fsr-4141	103	20	(	(	PUNCT
fsr-4141	103	21	third	third	ADJ
fsr-4141	103	22	quartile	quartile	NOUN
fsr-4141	103	23	)	)	PUNCT
fsr-4141	103	24	,	,	PUNCT
fsr-4141	103	25	and	and	CCONJ
fsr-4141	103	26	maximum	maximum	ADJ
fsr-4141	103	27	for	for	ADP
fsr-4141	103	28	all	all	DET
fsr-4141	103	29	the	the	DET
fsr-4141	103	30	variables	variable	NOUN
fsr-4141	103	31	.	.	PUNCT
fsr-4141	104	1	regarding	regard	VERB
fsr-4141	104	2	borrowing	borrow	VERB
fsr-4141	104	3	from	from	ADP
fsr-4141	104	4	family	family	NOUN
fsr-4141	104	5	and	and	CCONJ
fsr-4141	104	6	friends	friend	NOUN
fsr-4141	104	7	,	,	PUNCT
fsr-4141	104	8	the	the	DET
fsr-4141	104	9	interval	interval	NOUN
fsr-4141	104	10	extends	extend	VERB
fsr-4141	104	11	from	from	ADP
fsr-4141	104	12	0.051	0.051	NUM
fsr-4141	104	13	to	to	ADP
fsr-4141	104	14	0.317	0.317	NUM
fsr-4141	104	15	,	,	PUNCT
fsr-4141	104	16	which	which	PRON
fsr-4141	104	17	indicates	indicate	VERB
fsr-4141	104	18	that	that	SCONJ
fsr-4141	104	19	all	all	DET
fsr-4141	104	20	countries	country	NOUN
fsr-4141	104	21	in	in	ADP
fsr-4141	104	22	the	the	DET
fsr-4141	104	23	union	union	NOUN
fsr-4141	104	24	have	have	VERB
fsr-4141	104	25	some	some	DET
fsr-4141	104	26	informal	informal	ADJ
fsr-4141	104	27	borrowing	borrowing	NOUN
fsr-4141	104	28	,	,	PUNCT
fsr-4141	104	29	although	although	SCONJ
fsr-4141	104	30	to	to	ADP
fsr-4141	104	31	different	different	ADJ
fsr-4141	104	32	extents	extent	NOUN
fsr-4141	104	33	.	.	PUNCT
fsr-4141	105	1	table	table	NOUN
fsr-4141	105	2	2	2	NUM
fsr-4141	105	3	displays	display	VERB
fsr-4141	105	4	the	the	DET
fsr-4141	105	5	results	result	NOUN
fsr-4141	105	6	obtained	obtain	VERB
fsr-4141	105	7	from	from	ADP
fsr-4141	105	8	estimating	estimate	VERB
fsr-4141	105	9	our	our	PRON
fsr-4141	105	10	model	model	NOUN
fsr-4141	105	11	using	use	VERB
fsr-4141	105	12	ols	ol	NOUN
fsr-4141	105	13	,	,	PUNCT
fsr-4141	105	14	i.e.	i.e.	X
fsr-4141	105	15	,	,	PUNCT
fsr-4141	105	16	model	model	NOUN
fsr-4141	105	17	(	(	PUNCT
fsr-4141	105	18	1	1	NUM
fsr-4141	105	19	)	)	PUNCT
fsr-4141	105	20	,	,	PUNCT
fsr-4141	105	21	and	and	CCONJ
fsr-4141	105	22	the	the	DET
fsr-4141	105	23	panel	panel	NOUN
fsr-4141	105	24	random	random	ADJ
fsr-4141	105	25	-	-	PUNCT
fsr-4141	105	26	effects	effect	NOUN
fsr-4141	105	27	approach	approach	NOUN
fsr-4141	105	28	,	,	PUNCT
fsr-4141	105	29	including	include	VERB
fsr-4141	105	30	one	one	NUM
fsr-4141	105	31	variable	variable	NOUN
fsr-4141	105	32	at	at	ADP
fsr-4141	105	33	the	the	DET
fsr-4141	105	34	time	time	NOUN
fsr-4141	105	35	,	,	PUNCT
fsr-4141	105	36	i.e.	i.e.	X
fsr-4141	105	37	,	,	PUNCT
fsr-4141	105	38	models	model	NOUN
fsr-4141	105	39	(	(	PUNCT
fsr-4141	105	40	2)–(7	2)–(7	ADJ
fsr-4141	105	41	)	)	PUNCT
fsr-4141	105	42	.	.	PUNCT
fsr-4141	106	1	model	model	NOUN
fsr-4141	106	2	(	(	PUNCT
fsr-4141	106	3	1	1	X
fsr-4141	106	4	)	)	PUNCT
fsr-4141	106	5	indicates	indicate	VERB
fsr-4141	106	6	that	that	SCONJ
fsr-4141	106	7	the	the	DET
fsr-4141	106	8	total	total	ADJ
fsr-4141	106	9	number	number	NOUN
fsr-4141	106	10	of	of	ADP
fsr-4141	106	11	debit	debit	NOUN
fsr-4141	106	12	cards	card	NOUN
fsr-4141	106	13	,	,	PUNCT
fsr-4141	106	14	saving	save	VERB
fsr-4141	106	15	behavior	behavior	NOUN
fsr-4141	106	16	,	,	PUNCT
fsr-4141	106	17	and	and	CCONJ
fsr-4141	106	18	gdp	gdp	NOUN
fsr-4141	106	19	per	per	ADP
fsr-4141	106	20	capita	capita	X
fsr-4141	106	21	negatively	negatively	ADV
fsr-4141	106	22	influence	influence	VERB
fsr-4141	106	23	the	the	DET
fsr-4141	106	24	likelihood	likelihood	NOUN
fsr-4141	106	25	of	of	ADP
fsr-4141	106	26	borrowing	borrow	VERB
fsr-4141	106	27	from	from	ADP
fsr-4141	106	28	family	family	NOUN
fsr-4141	106	29	or	or	CCONJ
fsr-4141	106	30	friends	friend	NOUN
fsr-4141	106	31	,	,	PUNCT
fsr-4141	106	32	while	while	SCONJ
fsr-4141	106	33	borrowing	borrow	VERB
fsr-4141	106	34	from	from	ADP
fsr-4141	106	35	a	a	DET
fsr-4141	106	36	formal	formal	ADJ
fsr-4141	106	37	financial	financial	ADJ
fsr-4141	106	38	institution	institution	NOUN
fsr-4141	106	39	and	and	CCONJ
fsr-4141	106	40	the	the	DET
fsr-4141	106	41	inflation	inflation	NOUN
fsr-4141	106	42	rate	rate	NOUN
fsr-4141	106	43	positively	positively	ADV
fsr-4141	106	44	affect	affect	VERB
fsr-4141	106	45	the	the	DET
fsr-4141	106	46	household	household	NOUN
fsr-4141	106	47	’s	’s	PART
fsr-4141	106	48	informal	informal	ADJ
fsr-4141	106	49	borrowing	borrowing	NOUN
fsr-4141	106	50	.	.	PUNCT
fsr-4141	107	1	however	however	ADV
fsr-4141	107	2	,	,	PUNCT
fsr-4141	107	3	utilizing	utilize	VERB
fsr-4141	107	4	the	the	DET
fsr-4141	107	5	ols	ol	NOUN
fsr-4141	107	6	approach	approach	NOUN
fsr-4141	107	7	might	might	AUX
fsr-4141	107	8	lead	lead	VERB
fsr-4141	107	9	to	to	ADP
fsr-4141	107	10	erroneous	erroneous	ADJ
fsr-4141	107	11	causal	causal	ADJ
fsr-4141	107	12	inferences	inference	NOUN
fsr-4141	107	13	among	among	ADP
fsr-4141	107	14	the	the	DET
fsr-4141	107	15	variables	variable	NOUN
fsr-4141	107	16	,	,	PUNCT
fsr-4141	107	17	as	as	SCONJ
fsr-4141	107	18	it	it	PRON
fsr-4141	107	19	does	do	AUX
fsr-4141	107	20	not	not	PART
fsr-4141	107	21	adequately	adequately	ADV
fsr-4141	107	22	address	address	VERB
fsr-4141	107	23	individual	individual	ADJ
fsr-4141	107	24	-	-	PUNCT
fsr-4141	107	25	specific	specific	ADJ
fsr-4141	107	26	effects	effect	NOUN
fsr-4141	107	27	or	or	CCONJ
fsr-4141	107	28	time	time	NOUN
fsr-4141	107	29	-	-	PUNCT
fsr-4141	107	30	invariant	invariant	ADJ
fsr-4141	107	31	unobserved	unobserved	ADJ
fsr-4141	107	32	heterogeneity	heterogeneity	NOUN
fsr-4141	107	33	.	.	PUNCT
fsr-4141	108	1	hence	hence	ADV
fsr-4141	108	2	,	,	PUNCT
fsr-4141	108	3	models	model	NOUN
fsr-4141	108	4	(	(	PUNCT
fsr-4141	108	5	2	2	NUM
fsr-4141	108	6	)	)	PUNCT
fsr-4141	108	7	–	–	PUNCT
fsr-4141	108	8	(	(	PUNCT
fsr-4141	108	9	7	7	X
fsr-4141	108	10	)	)	PUNCT
fsr-4141	108	11	represent	represent	VERB
fsr-4141	108	12	the	the	DET
fsr-4141	108	13	estimated	estimate	VERB
fsr-4141	108	14	results	result	NOUN
fsr-4141	108	15	of	of	ADP
fsr-4141	108	16	applying	apply	VERB
fsr-4141	108	17	a	a	DET
fsr-4141	108	18	panel	panel	NOUN
fsr-4141	108	19	random	random	ADJ
fsr-4141	108	20	-	-	PUNCT
fsr-4141	108	21	effects	effect	NOUN
fsr-4141	108	22	methodology	methodology	NOUN
fsr-4141	108	23	.	.	PUNCT
fsr-4141	109	1	when	when	SCONJ
fsr-4141	109	2	including	include	VERB
fsr-4141	109	3	the	the	DET
fsr-4141	109	4	education	education	NOUN
fsr-4141	109	5	variable	variable	NOUN
fsr-4141	109	6	alone	alone	ADV
fsr-4141	109	7	,	,	PUNCT
fsr-4141	109	8	the	the	DET
fsr-4141	109	9	results	result	NOUN
fsr-4141	109	10	reveal	reveal	VERB
fsr-4141	109	11	a	a	DET
fsr-4141	109	12	significant	significant	ADJ
fsr-4141	109	13	negative	negative	ADJ
fsr-4141	109	14	impact	impact	NOUN
fsr-4141	109	15	on	on	ADP
fsr-4141	109	16	borrowing	borrow	VERB
fsr-4141	109	17	from	from	ADP
fsr-4141	109	18	family	family	NOUN
fsr-4141	109	19	or	or	CCONJ
fsr-4141	109	20	friends	friend	NOUN
fsr-4141	109	21	,	,	PUNCT
fsr-4141	109	22	as	as	SCONJ
fsr-4141	109	23	shown	show	VERB
fsr-4141	109	24	in	in	ADP
fsr-4141	109	25	model	model	NOUN
fsr-4141	109	26	(	(	PUNCT
fsr-4141	109	27	2	2	NUM
fsr-4141	109	28	)	)	PUNCT
fsr-4141	109	29	.	.	PUNCT
fsr-4141	110	1	yet	yet	ADV
fsr-4141	110	2	,	,	PUNCT
fsr-4141	110	3	the	the	DET
fsr-4141	110	4	significance	significance	NOUN
fsr-4141	110	5	is	be	AUX
fsr-4141	110	6	lost	lose	VERB
fsr-4141	110	7	when	when	SCONJ
fsr-4141	110	8	other	other	ADJ
fsr-4141	110	9	variables	variable	NOUN
fsr-4141	110	10	are	be	AUX
fsr-4141	110	11	included	include	VERB
fsr-4141	110	12	in	in	ADP
fsr-4141	110	13	the	the	DET
fsr-4141	110	14	model	model	NOUN
fsr-4141	110	15	.	.	PUNCT
fsr-4141	111	1	as	as	SCONJ
fsr-4141	111	2	demonstrated	demonstrate	VERB
fsr-4141	111	3	in	in	ADP
fsr-4141	111	4	models	model	NOUN
fsr-4141	111	5	(	(	PUNCT
fsr-4141	111	6	2)–(7	2)–(7	ADJ
fsr-4141	111	7	)	)	PUNCT
fsr-4141	111	8	,	,	PUNCT
fsr-4141	111	9	the	the	DET
fsr-4141	111	10	total	total	ADJ
fsr-4141	111	11	number	number	NOUN
fsr-4141	111	12	of	of	ADP
fsr-4141	111	13	debit	debit	NOUN
fsr-4141	111	14	cards	card	NOUN
fsr-4141	111	15	,	,	PUNCT
fsr-4141	111	16	saving	save	VERB
fsr-4141	111	17	behavior	behavior	NOUN
fsr-4141	111	18	,	,	PUNCT
fsr-4141	111	19	and	and	CCONJ
fsr-4141	111	20	the	the	DET
fsr-4141	111	21	inflation	inflation	NOUN
fsr-4141	111	22	rate	rate	NOUN
fsr-4141	111	23	play	play	VERB
fsr-4141	111	24	crucial	crucial	ADJ
fsr-4141	111	25	roles	role	NOUN
fsr-4141	111	26	in	in	ADP
fsr-4141	111	27	shaping	shape	VERB
fsr-4141	111	28	households	household	NOUN
fsr-4141	111	29	’	'	PUNCT
fsr-4141	111	30	borrowing	borrowing	NOUN
fsr-4141	111	31	behavior	behavior	NOUN
fsr-4141	111	32	within	within	ADP
fsr-4141	111	33	their	their	PRON
fsr-4141	111	34	social	social	ADJ
fsr-4141	111	35	networks	network	NOUN
fsr-4141	111	36	.	.	PUNCT
fsr-4141	112	1	the	the	DET
fsr-4141	112	2	reliance	reliance	NOUN
fsr-4141	112	3	on	on	ADP
fsr-4141	112	4	debit	debit	NOUN
fsr-4141	112	5	cards	card	NOUN
fsr-4141	112	6	for	for	ADP
fsr-4141	112	7	financial	financial	ADJ
fsr-4141	112	8	control	control	NOUN
fsr-4141	112	9	is	be	AUX
fsr-4141	112	10	in	in	ADP
fsr-4141	112	11	line	line	NOUN
fsr-4141	112	12	with	with	ADP
fsr-4141	112	13	the	the	DET
fsr-4141	112	14	conclusion	conclusion	NOUN
fsr-4141	112	15	of	of	ADP
fsr-4141	112	16	bachas	bachas	PROPN
fsr-4141	112	17	et	et	PROPN
fsr-4141	112	18	al	al	PROPN
fsr-4141	112	19	.	.	PROPN
fsr-4141	112	20	(	(	PUNCT
fsr-4141	112	21	2021	2021	NUM
fsr-4141	112	22	)	)	PUNCT
fsr-4141	112	23	.	.	PUNCT
fsr-4141	113	1	moreover	moreover	ADV
fsr-4141	113	2	,	,	PUNCT
fsr-4141	113	3	the	the	DET
fsr-4141	113	4	fact	fact	NOUN
fsr-4141	113	5	that	that	SCONJ
fsr-4141	113	6	households	household	NOUN
fsr-4141	113	7	with	with	ADP
fsr-4141	113	8	higher	high	ADJ
fsr-4141	113	9	levels	level	NOUN
fsr-4141	113	10	of	of	ADP
fsr-4141	113	11	savings	saving	NOUN
fsr-4141	113	12	tend	tend	VERB
fsr-4141	113	13	to	to	PART
fsr-4141	113	14	rely	rely	VERB
fsr-4141	113	15	less	less	ADV
fsr-4141	113	16	on	on	ADP
fsr-4141	113	17	informal	informal	ADJ
fsr-4141	113	18	borrowing	borrowing	NOUN
fsr-4141	113	19	sources	source	NOUN
fsr-4141	113	20	is	be	AUX
fsr-4141	113	21	in	in	ADP
fsr-4141	113	22	line	line	NOUN
fsr-4141	113	23	with	with	ADP
fsr-4141	113	24	the	the	DET
fsr-4141	113	25	argument	argument	NOUN
fsr-4141	113	26	of	of	ADP
fsr-4141	113	27	nourallah	nourallah	PROPN
fsr-4141	113	28	et	et	PROPN
fsr-4141	113	29	al	al	PROPN
fsr-4141	113	30	.	.	PROPN
fsr-4141	114	1	(	(	PUNCT
fsr-4141	114	2	2024	2024	NUM
fsr-4141	114	3	)	)	PUNCT
fsr-4141	114	4	,	,	PUNCT
fsr-4141	114	5	who	who	PRON
fsr-4141	114	6	discussed	discuss	VERB
fsr-4141	114	7	the	the	DET
fsr-4141	114	8	role	role	NOUN
fsr-4141	114	9	of	of	ADP
fsr-4141	114	10	saving	save	VERB
fsr-4141	114	11	in	in	ADP
fsr-4141	114	12	improving	improve	VERB
fsr-4141	114	13	households	household	NOUN
fsr-4141	114	14	’	'	PUNCT
fsr-4141	114	15	financial	financial	ADJ
fsr-4141	114	16	management	management	NOUN
fsr-4141	114	17	.	.	PUNCT
fsr-4141	115	1	the	the	DET
fsr-4141	115	2	findings	finding	NOUN
fsr-4141	115	3	regarding	regard	VERB
fsr-4141	115	4	debit	debit	NOUN
fsr-4141	115	5	cards	card	NOUN
fsr-4141	115	6	and	and	CCONJ
fsr-4141	115	7	saving	saving	NOUN
fsr-4141	115	8	emphasize	emphasize	VERB
fsr-4141	115	9	the	the	DET
fsr-4141	115	10	importance	importance	NOUN
fsr-4141	115	11	of	of	ADP
fsr-4141	115	12	financial	financial	ADJ
fsr-4141	115	13	prudence	prudence	NOUN
fsr-4141	115	14	and	and	CCONJ
fsr-4141	115	15	preparedness	preparedness	NOUN
fsr-4141	115	16	in	in	ADP
fsr-4141	115	17	lowering	lower	VERB
fsr-4141	115	18	the	the	DET
fsr-4141	115	19	need	need	NOUN
fsr-4141	115	20	for	for	ADP
fsr-4141	115	21	external	external	ADJ
fsr-4141	115	22	financial	financial	ADJ
fsr-4141	115	23	assistance	assistance	NOUN
fsr-4141	115	24	from	from	ADP
fsr-4141	115	25	social	social	ADJ
fsr-4141	115	26	networks	network	NOUN
fsr-4141	115	27	.	.	PUNCT
fsr-4141	116	1	at	at	ADP
fsr-4141	116	2	the	the	DET
fsr-4141	116	3	same	same	ADJ
fsr-4141	116	4	time	time	NOUN
fsr-4141	116	5	,	,	PUNCT
fsr-4141	116	6	higher	high	ADJ
fsr-4141	116	7	inflation	inflation	NOUN
fsr-4141	116	8	rates	rate	NOUN
fsr-4141	116	9	may	may	AUX
fsr-4141	116	10	intensify	intensify	VERB
fsr-4141	116	11	financial	financial	ADJ
fsr-4141	116	12	strain	strain	NOUN
fsr-4141	116	13	on	on	ADP
fsr-4141	116	14	people	people	NOUN
fsr-4141	116	15	,	,	PUNCT
fsr-4141	116	16	leading	lead	VERB
fsr-4141	116	17	to	to	ADP
fsr-4141	116	18	higher	high	ADJ
fsr-4141	116	19	levels	level	NOUN
fsr-4141	116	20	diab	diab	PROPN
fsr-4141	116	21	et	et	PROPN
fsr-4141	116	22	al	al	PROPN
fsr-4141	116	23	.	.	PROPN
fsr-4141	116	24	53	53	NUM
fsr-4141	116	25	of	of	ADP
fsr-4141	116	26	borrowing	borrow	VERB
fsr-4141	116	27	from	from	ADP
fsr-4141	116	28	family	family	NOUN
fsr-4141	116	29	or	or	CCONJ
fsr-4141	116	30	friends	friend	NOUN
fsr-4141	116	31	as	as	ADP
fsr-4141	116	32	a	a	DET
fsr-4141	116	33	coping	cope	VERB
fsr-4141	116	34	mechanism	mechanism	NOUN
fsr-4141	116	35	.	.	PUNCT
fsr-4141	117	1	the	the	DET
fsr-4141	117	2	result	result	NOUN
fsr-4141	117	3	concerning	concern	VERB
fsr-4141	117	4	the	the	DET
fsr-4141	117	5	interconnectedness	interconnectedness	NOUN
fsr-4141	117	6	between	between	ADP
fsr-4141	117	7	macroeconomic	macroeconomic	ADJ
fsr-4141	117	8	conditions	condition	NOUN
fsr-4141	117	9	and	and	CCONJ
fsr-4141	117	10	personal	personal	ADJ
fsr-4141	117	11	financial	financial	ADJ
fsr-4141	117	12	habits	habit	NOUN
fsr-4141	117	13	echoes	echo	VERB
fsr-4141	117	14	the	the	DET
fsr-4141	117	15	argument	argument	NOUN
fsr-4141	117	16	of	of	ADP
fsr-4141	117	17	zinman	zinman	NOUN
fsr-4141	117	18	(	(	PUNCT
fsr-4141	117	19	2015	2015	NUM
fsr-4141	117	20	)	)	PUNCT
fsr-4141	117	21	,	,	PUNCT
fsr-4141	117	22	who	who	PRON
fsr-4141	117	23	emphasized	emphasize	VERB
fsr-4141	117	24	the	the	DET
fsr-4141	117	25	importance	importance	NOUN
fsr-4141	117	26	of	of	ADP
fsr-4141	117	27	investigating	investigate	VERB
fsr-4141	117	28	such	such	ADJ
fsr-4141	117	29	issues	issue	NOUN
fsr-4141	117	30	.	.	PUNCT
fsr-4141	118	1	table	table	NOUN
fsr-4141	118	2	1	1	NUM
fsr-4141	118	3	.	.	PUNCT
fsr-4141	119	1	descriptive	descriptive	ADJ
fsr-4141	119	2	statistics	statistic	NOUN
fsr-4141	119	3	variables	variable	VERB
fsr-4141	119	4	minimum	minimum	ADJ
fsr-4141	119	5	first	first	ADJ
fsr-4141	119	6	quartile	quartile	ADJ
fsr-4141	119	7	median	median	ADJ
fsr-4141	119	8	mean	mean	NOUN
fsr-4141	119	9	third	third	ADJ
fsr-4141	119	10	quartile	quartile	NOUN
fsr-4141	119	11	maximum	maximum	ADV
fsr-4141	119	12	bff	bff	VERB
fsr-4141	119	13	0.051	0.051	NUM
fsr-4141	119	14	0.115	0.115	NUM
fsr-4141	119	15	0.149	0.149	NUM
fsr-4141	119	16	0.157	0.157	NUM
fsr-4141	119	17	0.198	0.198	NUM
fsr-4141	119	18	0.317	0.317	NUM
fsr-4141	119	19	debit	debit	NOUN
fsr-4141	119	20	–	–	PUNCT
fsr-4141	119	21	0.801	0.801	NUM
fsr-4141	119	22	–	–	PUNCT
fsr-4141	119	23	0.565	0.565	NUM
fsr-4141	119	24	–	–	PUNCT
fsr-4141	119	25	0.422	0.422	NUM
fsr-4141	119	26	2.230	2.230	NUM
fsr-4141	119	27	*	*	PUNCT
fsr-4141	119	28	10–9	10–9	NUM
fsr-4141	119	29	0.253	0.253	NUM
fsr-4141	119	30	3.738	3.738	NUM
fsr-4141	119	31	credit	credit	NOUN
fsr-4141	119	32	–	–	PUNCT
fsr-4141	119	33	0.538	0.538	NUM
fsr-4141	119	34	–	–	PUNCT
fsr-4141	119	35	0.444	0.444	NUM
fsr-4141	119	36	–	–	PUNCT
fsr-4141	119	37	0.374	0.374	NUM
fsr-4141	119	38	4.190	4.190	NUM
fsr-4141	119	39	*	*	SYM
fsr-4141	119	40	10–9	10–9	NUM
fsr-4141	119	41	0.010	0.010	NUM
fsr-4141	119	42	3.998	3.998	NUM
fsr-4141	119	43	saving	save	VERB
fsr-4141	119	44	0.140	0.140	NUM
fsr-4141	119	45	0.351	0.351	NUM
fsr-4141	119	46	0.497	0.497	NUM
fsr-4141	119	47	0.480	0.480	NUM
fsr-4141	119	48	0.609	0.609	NUM
fsr-4141	119	49	0.784	0.784	NUM
fsr-4141	119	50	educ	educ	VERB
fsr-4141	119	51	11.020	11.020	NUM
fsr-4141	119	52	14.200	14.200	NUM
fsr-4141	119	53	17.320	17.320	NUM
fsr-4141	119	54	19.754	19.754	NUM
fsr-4141	119	55	20.650	20.650	NUM
fsr-4141	119	56	42.230	42.230	NUM
fsr-4141	119	57	apl	apl	NOUN
fsr-4141	119	58	0.011	0.011	NUM
fsr-4141	119	59	0.057	0.057	NUM
fsr-4141	119	60	0.088	0.088	NUM
fsr-4141	119	61	0	0	NUM
fsr-4141	119	62	.	.	PUNCT
fsr-4141	120	1	114	114	NUM
fsr-4141	120	2	0.145	0.145	NUM
fsr-4141	120	3	0.347	0.347	NUM
fsr-4141	120	4	bfi	bfi	PROPN
fsr-4141	120	5	0.112	0.112	NUM
fsr-4141	120	6	0.262	0.262	NUM
fsr-4141	120	7	0.359	0.359	NUM
fsr-4141	120	8	0.360	0.360	NUM
fsr-4141	120	9	0.477	0.477	NUM
fsr-4141	120	10	0.580	0.580	NUM
fsr-4141	120	11	fwb	fwb	NOUN
fsr-4141	120	12	0.347	0.347	NUM
fsr-4141	120	13	0.437	0.437	NUM
fsr-4141	120	14	0.489	0.489	NUM
fsr-4141	120	15	0.493	0.493	NUM
fsr-4141	120	16	0.550	0.550	NUM
fsr-4141	120	17	0.647	0.647	NUM
fsr-4141	120	18	inf	inf	NOUN
fsr-4141	120	19	–	–	PUNCT
fsr-4141	120	20	0.014	0.014	NUM
fsr-4141	120	21	0.005	0.005	NUM
fsr-4141	120	22	0.014	0.014	NUM
fsr-4141	120	23	0.0160	0.0160	NUM
fsr-4141	120	24	0.024	0.024	NUM
fsr-4141	120	25	0.051	0.051	NUM
fsr-4141	120	26	gdp	gdp	NOUN
fsr-4141	120	27	–	–	PUNCT
fsr-4141	120	28	0.009	0.009	NUM
fsr-4141	120	29	0.018	0.018	NUM
fsr-4141	120	30	0.040	0.040	NUM
fsr-4141	120	31	0.040	0.040	NUM
fsr-4141	120	32	0.055	0.055	NUM
fsr-4141	120	33	0.147	0.147	NUM
fsr-4141	120	34	table	table	NOUN
fsr-4141	120	35	1	1	NUM
fsr-4141	120	36	presents	present	VERB
fsr-4141	120	37	the	the	DET
fsr-4141	120	38	descriptive	descriptive	ADJ
fsr-4141	120	39	statistics	statistic	NOUN
fsr-4141	120	40	for	for	ADP
fsr-4141	120	41	the	the	DET
fsr-4141	120	42	variables	variable	NOUN
fsr-4141	120	43	used	use	VERB
fsr-4141	120	44	in	in	ADP
fsr-4141	120	45	the	the	DET
fsr-4141	120	46	models	model	NOUN
fsr-4141	120	47	.	.	PUNCT
fsr-4141	121	1	borrowing	borrow	VERB
fsr-4141	121	2	from	from	ADP
fsr-4141	121	3	a	a	DET
fsr-4141	121	4	formal	formal	ADJ
fsr-4141	121	5	financial	financial	ADJ
fsr-4141	121	6	institution	institution	NOUN
fsr-4141	121	7	(	(	PUNCT
fsr-4141	121	8	%	%	INTJ
fsr-4141	121	9	age	age	NOUN
fsr-4141	121	10	15	15	NUM
fsr-4141	121	11	+	+	NUM
fsr-4141	121	12	)	)	PUNCT
fsr-4141	121	13	,	,	PUNCT
fsr-4141	121	14	as	as	SCONJ
fsr-4141	121	15	denoted	denote	VERB
fsr-4141	121	16	by	by	ADP
fsr-4141	121	17	bff	bff	PROPN
fsr-4141	121	18	,	,	PUNCT
fsr-4141	121	19	is	be	AUX
fsr-4141	121	20	the	the	DET
fsr-4141	121	21	explained	explain	VERB
fsr-4141	121	22	variable	variable	NOUN
fsr-4141	121	23	,	,	PUNCT
fsr-4141	121	24	debit	debit	NOUN
fsr-4141	121	25	,	,	PUNCT
fsr-4141	121	26	credit	credit	NOUN
fsr-4141	121	27	,	,	PUNCT
fsr-4141	121	28	saving	saving	NOUN
fsr-4141	121	29	,	,	PUNCT
fsr-4141	121	30	educ	educ	PROPN
fsr-4141	121	31	,	,	PUNCT
fsr-4141	121	32	apl	apl	PROPN
fsr-4141	121	33	,	,	PUNCT
fsr-4141	121	34	bfi	bfi	PROPN
fsr-4141	121	35	,	,	PUNCT
fsr-4141	121	36	and	and	CCONJ
fsr-4141	121	37	fwb	fwb	PROPN
fsr-4141	121	38	are	be	AUX
fsr-4141	121	39	the	the	DET
fsr-4141	121	40	explanatory	explanatory	ADJ
fsr-4141	121	41	variables	variable	NOUN
fsr-4141	121	42	,	,	PUNCT
fsr-4141	121	43	while	while	SCONJ
fsr-4141	121	44	inf	inf	PROPN
fsr-4141	121	45	and	and	CCONJ
fsr-4141	121	46	gdp	gdp	NOUN
fsr-4141	121	47	are	be	AUX
fsr-4141	121	48	the	the	DET
fsr-4141	121	49	control	control	NOUN
fsr-4141	121	50	variables	variable	NOUN
fsr-4141	121	51	.	.	PUNCT
fsr-4141	122	1	the	the	DET
fsr-4141	122	2	debit	debit	NOUN
fsr-4141	122	3	and	and	CCONJ
fsr-4141	122	4	credit	credit	NOUN
fsr-4141	122	5	variables	variable	NOUN
fsr-4141	122	6	are	be	AUX
fsr-4141	122	7	standardized	standardize	VERB
fsr-4141	122	8	by	by	ADP
fsr-4141	122	9	subtracting	subtract	VERB
fsr-4141	122	10	their	their	PRON
fsr-4141	122	11	means	mean	NOUN
fsr-4141	122	12	and	and	CCONJ
fsr-4141	122	13	dividing	divide	VERB
fsr-4141	122	14	by	by	ADP
fsr-4141	122	15	their	their	PRON
fsr-4141	122	16	standard	standard	ADJ
fsr-4141	122	17	deviations	deviation	NOUN
fsr-4141	122	18	to	to	PART
fsr-4141	122	19	ensure	ensure	VERB
fsr-4141	122	20	comparability	comparability	NOUN
fsr-4141	122	21	to	to	ADP
fsr-4141	122	22	other	other	ADJ
fsr-4141	122	23	variables	variable	NOUN
fsr-4141	122	24	measured	measure	VERB
fsr-4141	122	25	in	in	ADP
fsr-4141	122	26	percentages	percentage	NOUN
fsr-4141	122	27	.	.	PUNCT
fsr-4141	123	1	the	the	DET
fsr-4141	123	2	data	datum	NOUN
fsr-4141	123	3	are	be	AUX
fsr-4141	123	4	drawn	draw	VERB
fsr-4141	123	5	from	from	ADP
fsr-4141	123	6	three	three	NUM
fsr-4141	123	7	waves	wave	NOUN
fsr-4141	123	8	of	of	ADP
fsr-4141	123	9	panel	panel	NOUN
fsr-4141	123	10	data	datum	NOUN
fsr-4141	123	11	spanning	span	VERB
fsr-4141	123	12	the	the	DET
fsr-4141	123	13	years	year	NOUN
fsr-4141	123	14	2014	2014	NUM
fsr-4141	123	15	,	,	PUNCT
fsr-4141	123	16	2017	2017	NUM
fsr-4141	123	17	,	,	PUNCT
fsr-4141	123	18	and	and	CCONJ
fsr-4141	123	19	2021	2021	NUM
fsr-4141	123	20	,	,	PUNCT
fsr-4141	123	21	sourced	source	VERB
fsr-4141	123	22	from	from	ADP
fsr-4141	123	23	the	the	DET
fsr-4141	123	24	global	global	ADJ
fsr-4141	123	25	findex	findex	NOUN
fsr-4141	123	26	(	(	PUNCT
fsr-4141	123	27	demirgüç	demirgüç	PROPN
fsr-4141	123	28	-	-	PUNCT
fsr-4141	123	29	kunt	kunt	PROPN
fsr-4141	123	30	et	et	PROPN
fsr-4141	123	31	al	al	PROPN
fsr-4141	123	32	.	.	PROPN
fsr-4141	123	33	,	,	PUNCT
fsr-4141	123	34	2022	2022	NUM
fsr-4141	123	35	)	)	PUNCT
fsr-4141	123	36	and	and	CCONJ
fsr-4141	123	37	eurostat	eurostat	PROPN
fsr-4141	123	38	(	(	PUNCT
fsr-4141	123	39	n.d	n.d	PROPN
fsr-4141	123	40	.	.	PROPN
fsr-4141	123	41	)	)	PUNCT
fsr-4141	123	42	databases	database	NOUN
fsr-4141	123	43	.	.	PUNCT
fsr-4141	124	1	the	the	DET
fsr-4141	124	2	dataset	dataset	NOUN
fsr-4141	124	3	encompasses	encompass	VERB
fsr-4141	124	4	all	all	DET
fsr-4141	124	5	eu	eu	PROPN
fsr-4141	124	6	member	member	NOUN
fsr-4141	124	7	states	state	NOUN
fsr-4141	124	8	,	,	PUNCT
fsr-4141	124	9	excluding	exclude	VERB
fsr-4141	124	10	luxembourg	luxembourg	PROPN
fsr-4141	124	11	,	,	PUNCT
fsr-4141	124	12	slovenia	slovenia	PROPN
fsr-4141	124	13	,	,	PUNCT
fsr-4141	124	14	and	and	CCONJ
fsr-4141	124	15	the	the	DET
fsr-4141	124	16	slovak	slovak	ADJ
fsr-4141	124	17	republic	republic	NOUN
fsr-4141	124	18	.	.	PUNCT
fsr-4141	125	1	to	to	PART
fsr-4141	125	2	increase	increase	VERB
fsr-4141	125	3	the	the	DET
fsr-4141	125	4	robustness	robustness	NOUN
fsr-4141	125	5	of	of	ADP
fsr-4141	125	6	our	our	PRON
fsr-4141	125	7	findings	finding	NOUN
fsr-4141	125	8	and	and	CCONJ
fsr-4141	125	9	ensure	ensure	VERB
fsr-4141	125	10	the	the	DET
fsr-4141	125	11	reliability	reliability	NOUN
fsr-4141	125	12	of	of	ADP
fsr-4141	125	13	our	our	PRON
fsr-4141	125	14	results	result	NOUN
fsr-4141	125	15	,	,	PUNCT
fsr-4141	125	16	we	we	PRON
fsr-4141	125	17	conduct	conduct	VERB
fsr-4141	125	18	sensitivity	sensitivity	NOUN
fsr-4141	125	19	tests	test	NOUN
fsr-4141	125	20	.	.	PUNCT
fsr-4141	126	1	in	in	ADP
fsr-4141	126	2	the	the	DET
fsr-4141	126	3	eu	eu	PROPN
fsr-4141	126	4	context	context	NOUN
fsr-4141	126	5	,	,	PUNCT
fsr-4141	126	6	it	it	PRON
fsr-4141	126	7	is	be	AUX
fsr-4141	126	8	plausible	plausible	ADJ
fsr-4141	126	9	to	to	PART
fsr-4141	126	10	argue	argue	VERB
fsr-4141	126	11	that	that	SCONJ
fsr-4141	126	12	,	,	PUNCT
fsr-4141	126	13	due	due	ADP
fsr-4141	126	14	to	to	ADP
fsr-4141	126	15	the	the	DET
fsr-4141	126	16	proliferation	proliferation	NOUN
fsr-4141	126	17	of	of	ADP
fsr-4141	126	18	educational	educational	ADJ
fsr-4141	126	19	platforms	platform	NOUN
fsr-4141	126	20	and	and	CCONJ
fsr-4141	126	21	diverse	diverse	VERB
fsr-4141	126	22	continuing	continue	VERB
fsr-4141	126	23	education	education	NOUN
fsr-4141	126	24	programs	program	NOUN
fsr-4141	126	25	,	,	PUNCT
fsr-4141	126	26	people	people	NOUN
fsr-4141	126	27	may	may	AUX
fsr-4141	126	28	engage	engage	VERB
fsr-4141	126	29	in	in	ADP
fsr-4141	126	30	various	various	ADJ
fsr-4141	126	31	forms	form	NOUN
fsr-4141	126	32	of	of	ADP
fsr-4141	126	33	informal	informal	ADJ
fsr-4141	126	34	education	education	NOUN
fsr-4141	126	35	.	.	PUNCT
fsr-4141	127	1	therefore	therefore	ADV
fsr-4141	127	2	,	,	PUNCT
fsr-4141	127	3	we	we	PRON
fsr-4141	127	4	re	re	VERB
fsr-4141	127	5	-	-	VERB
fsr-4141	127	6	estimate	estimate	VERB
fsr-4141	127	7	our	our	PRON
fsr-4141	127	8	model	model	NOUN
fsr-4141	127	9	by	by	ADP
fsr-4141	127	10	replacing	replace	VERB
fsr-4141	127	11	the	the	DET
fsr-4141	127	12	educ	educ	ADJ
fsr-4141	127	13	variable	variable	NOUN
fsr-4141	127	14	with	with	ADP
fsr-4141	127	15	apl	apl	PROPN
fsr-4141	127	16	,	,	PUNCT
fsr-4141	127	17	which	which	PRON
fsr-4141	127	18	is	be	AUX
fsr-4141	127	19	a	a	DET
fsr-4141	127	20	broader	broad	ADJ
fsr-4141	127	21	measure	measure	NOUN
fsr-4141	127	22	of	of	ADP
fsr-4141	127	23	education	education	NOUN
fsr-4141	127	24	that	that	PRON
fsr-4141	127	25	captures	capture	VERB
fsr-4141	127	26	the	the	DET
fsr-4141	127	27	multifaceted	multifaceted	ADJ
fsr-4141	127	28	nature	nature	NOUN
fsr-4141	127	29	of	of	ADP
fsr-4141	127	30	learning	learn	VERB
fsr-4141	127	31	behavior	behavior	NOUN
fsr-4141	127	32	among	among	ADP
fsr-4141	127	33	adults	adult	NOUN
fsr-4141	127	34	.	.	PUNCT
fsr-4141	128	1	apl	apl	PROPN
fsr-4141	128	2	accounts	account	VERB
fsr-4141	128	3	for	for	ADP
fsr-4141	128	4	ongoing	ongoing	ADJ
fsr-4141	128	5	formal	formal	ADJ
fsr-4141	128	6	and	and	CCONJ
fsr-4141	128	7	informal	informal	ADJ
fsr-4141	128	8	learning	learning	NOUN
fsr-4141	128	9	activities	activity	NOUN
fsr-4141	128	10	and	and	CCONJ
fsr-4141	128	11	continuous	continuous	ADJ
fsr-4141	128	12	skill	skill	NOUN
fsr-4141	128	13	development	development	NOUN
fsr-4141	128	14	,	,	PUNCT
fsr-4141	128	15	reflecting	reflect	VERB
fsr-4141	128	16	the	the	DET
fsr-4141	128	17	overall	overall	ADJ
fsr-4141	128	18	educational	educational	ADJ
fsr-4141	128	19	exposure	exposure	NOUN
fsr-4141	128	20	of	of	ADP
fsr-4141	128	21	households	household	NOUN
fsr-4141	128	22	.	.	PUNCT
fsr-4141	129	1	as	as	SCONJ
fsr-4141	129	2	demonstrated	demonstrate	VERB
fsr-4141	129	3	in	in	ADP
fsr-4141	129	4	table	table	NOUN
fsr-4141	129	5	3	3	NUM
fsr-4141	129	6	,	,	PUNCT
fsr-4141	129	7	the	the	DET
fsr-4141	129	8	results	result	NOUN
fsr-4141	129	9	of	of	ADP
fsr-4141	129	10	this	this	DET
fsr-4141	129	11	alternative	alternative	ADJ
fsr-4141	129	12	specification	specification	NOUN
fsr-4141	129	13	align	align	VERB
fsr-4141	129	14	with	with	ADP
fsr-4141	129	15	those	those	PRON
fsr-4141	129	16	presented	present	VERB
fsr-4141	129	17	in	in	ADP
fsr-4141	129	18	table	table	NOUN
fsr-4141	129	19	2	2	NUM
fsr-4141	129	20	.	.	PUNCT
fsr-4141	129	21	notably	notably	ADV
fsr-4141	129	22	,	,	PUNCT
fsr-4141	129	23	the	the	DET
fsr-4141	129	24	number	number	NOUN
fsr-4141	129	25	of	of	ADP
fsr-4141	129	26	debit	debit	NOUN
fsr-4141	129	27	cards	card	NOUN
fsr-4141	129	28	,	,	PUNCT
fsr-4141	129	29	savings	saving	NOUN
fsr-4141	129	30	,	,	PUNCT
fsr-4141	129	31	and	and	CCONJ
fsr-4141	129	32	inflation	inflation	NOUN
fsr-4141	129	33	are	be	AUX
fsr-4141	129	34	statistically	statistically	ADV
fsr-4141	129	35	significant	significant	ADJ
fsr-4141	129	36	across	across	ADP
fsr-4141	129	37	the	the	DET
fsr-4141	129	38	ols	ol	NOUN
fsr-4141	129	39	and	and	CCONJ
fsr-4141	129	40	panel	panel	NOUN
fsr-4141	129	41	random	random	ADJ
fsr-4141	129	42	-	-	PUNCT
fsr-4141	129	43	effects	effect	NOUN
fsr-4141	129	44	regressions	regression	NOUN
fsr-4141	129	45	.	.	PUNCT
fsr-4141	130	1	borrowing	borrow	VERB
fsr-4141	130	2	from	from	ADP
fsr-4141	130	3	a	a	DET
fsr-4141	130	4	formal	formal	ADJ
fsr-4141	130	5	institution	institution	NOUN
fsr-4141	130	6	and	and	CCONJ
fsr-4141	130	7	gdp	gdp	NOUN
fsr-4141	130	8	per	per	ADP
fsr-4141	130	9	capita	capita	X
fsr-4141	130	10	are	be	AUX
fsr-4141	130	11	statistically	statistically	ADV
fsr-4141	130	12	significant	significant	ADJ
fsr-4141	130	13	across	across	ADP
fsr-4141	130	14	both	both	DET
fsr-4141	130	15	models	model	NOUN
fsr-4141	130	16	,	,	PUNCT
fsr-4141	130	17	providing	provide	VERB
fsr-4141	130	18	reassurance	reassurance	NOUN
fsr-4141	130	19	regarding	regard	VERB
fsr-4141	130	20	the	the	DET
fsr-4141	130	21	robustness	robustness	NOUN
fsr-4141	130	22	of	of	ADP
fsr-4141	130	23	these	these	DET
fsr-4141	130	24	relationships	relationship	NOUN
fsr-4141	130	25	.	.	PUNCT
fsr-4141	131	1	our	our	PRON
fsr-4141	131	2	findings	finding	NOUN
fsr-4141	131	3	underscore	underscore	VERB
fsr-4141	131	4	the	the	DET
fsr-4141	131	5	significance	significance	NOUN
fsr-4141	131	6	of	of	ADP
fsr-4141	131	7	considering	consider	VERB
fsr-4141	131	8	broader	broad	ADJ
fsr-4141	131	9	educational	educational	ADJ
fsr-4141	131	10	measures	measure	NOUN
fsr-4141	131	11	,	,	PUNCT
fsr-4141	131	12	such	such	ADJ
fsr-4141	131	13	as	as	ADP
fsr-4141	131	14	apl	apl	PROPN
fsr-4141	131	15	,	,	PUNCT
fsr-4141	131	16	in	in	ADP
fsr-4141	131	17	capturing	capture	VERB
fsr-4141	131	18	the	the	DET
fsr-4141	131	19	diverse	diverse	ADJ
fsr-4141	131	20	nature	nature	NOUN
fsr-4141	131	21	of	of	ADP
fsr-4141	131	22	adults	adult	NOUN
fsr-4141	131	23	’	'	PUNCT
fsr-4141	131	24	learning	learn	VERB
fsr-4141	131	25	behavior	behavior	NOUN
fsr-4141	131	26	in	in	ADP
fsr-4141	131	27	the	the	DET
fsr-4141	131	28	eu	eu	PROPN
fsr-4141	131	29	.	.	PROPN
fsr-4141	131	30	financial	financial	PROPN
fsr-4141	131	31	services	services	PROPN
fsr-4141	131	32	review	review	NOUN
fsr-4141	131	33	,	,	PUNCT
fsr-4141	131	34	33(3	33(3	NOUN
fsr-4141	131	35	)	)	PUNCT
fsr-4141	131	36	54	54	NUM
fsr-4141	131	37	table	table	NOUN
fsr-4141	131	38	2	2	NUM
fsr-4141	131	39	.	.	PUNCT
fsr-4141	131	40	ols	ol	NOUN
fsr-4141	131	41	results	result	VERB
fsr-4141	131	42	variab	variab	VERB
fsr-4141	131	43	les	les	X
fsr-4141	131	44	model	model	NOUN
fsr-4141	131	45	(	(	PUNCT
fsr-4141	131	46	1	1	NUM
fsr-4141	131	47	)	)	PUNCT
fsr-4141	131	48	model	model	NOUN
fsr-4141	131	49	(	(	PUNCT
fsr-4141	131	50	2	2	NUM
fsr-4141	131	51	)	)	PUNCT
fsr-4141	131	52	model	model	NOUN
fsr-4141	131	53	(	(	PUNCT
fsr-4141	131	54	3	3	NUM
fsr-4141	131	55	)	)	PUNCT
fsr-4141	131	56	model	model	NOUN
fsr-4141	131	57	(	(	PUNCT
fsr-4141	131	58	4	4	NUM
fsr-4141	131	59	)	)	PUNCT
fsr-4141	131	60	model	model	NOUN
fsr-4141	131	61	(	(	PUNCT
fsr-4141	131	62	5	5	NUM
fsr-4141	131	63	)	)	PUNCT
fsr-4141	131	64	model	model	NOUN
fsr-4141	131	65	(	(	PUNCT
fsr-4141	131	66	6	6	NUM
fsr-4141	131	67	)	)	PUNCT
fsr-4141	131	68	model	model	NOUN
fsr-4141	131	69	(	(	PUNCT
fsr-4141	131	70	7	7	NUM
fsr-4141	131	71	)	)	PUNCT
fsr-4141	131	72	debit	debit	NOUN
fsr-4141	131	73	–	–	PUNCT
fsr-4141	131	74	0.019	0.019	NUM
fsr-4141	131	75	*	*	PUNCT
fsr-4141	131	76	*	*	PUNCT
fsr-4141	131	77	*	*	PUNCT
fsr-4141	131	78	–	–	PUNCT
fsr-4141	131	79	0.021	0.021	NUM
fsr-4141	131	80	*	*	PUNCT
fsr-4141	131	81	*	*	PUNCT
fsr-4141	131	82	*	*	PUNCT
fsr-4141	131	83	–	–	PUNCT
fsr-4141	131	84	0.014	0.014	NUM
fsr-4141	131	85	*	*	NOUN
fsr-4141	131	86	*	*	PUNCT
fsr-4141	131	87	–	–	PUNCT
fsr-4141	131	88	0.015	0.015	NUM
fsr-4141	131	89	*	*	PUNCT
fsr-4141	131	90	*	*	PUNCT
fsr-4141	131	91	–	–	PUNCT
fsr-4141	131	92	0.017	0.017	NUM
fsr-4141	131	93	*	*	PUNCT
fsr-4141	131	94	*	*	PUNCT
fsr-4141	131	95	–	–	PUNCT
fsr-4141	131	96	0.018	0.018	NUM
fsr-4141	131	97	*	*	NOUN
fsr-4141	131	98	*	*	PUNCT
fsr-4141	131	99	–	–	PUNCT
fsr-4141	131	100	0.020	0.020	NUM
fsr-4141	131	101	*	*	PUNCT
fsr-4141	131	102	*	*	PUNCT
fsr-4141	131	103	*	*	PUNCT
fsr-4141	131	104	(	(	PUNCT
fsr-4141	131	105	0.0058	0.0058	NUM
fsr-4141	131	106	)	)	PUNCT
fsr-4141	131	107	(	(	PUNCT
fsr-4141	131	108	0.0080	0.0080	NUM
fsr-4141	131	109	)	)	PUNCT
fsr-4141	131	110	(	(	PUNCT
fsr-4141	131	111	0.0066	0.0066	NUM
fsr-4141	131	112	)	)	PUNCT
fsr-4141	131	113	(	(	PUNCT
fsr-4141	131	114	0.0069	0.0069	NUM
fsr-4141	131	115	)	)	PUNCT
fsr-4141	131	116	(	(	PUNCT
fsr-4141	131	117	0.0073	0.0073	NUM
fsr-4141	131	118	)	)	PUNCT
fsr-4141	131	119	(	(	PUNCT
fsr-4141	131	120	0.0076	0.0076	NUM
fsr-4141	131	121	)	)	PUNCT
fsr-4141	131	122	(	(	PUNCT
fsr-4141	131	123	0.0072	0.0072	NUM
fsr-4141	131	124	)	)	PUNCT
fsr-4141	131	125	saving	saving	NOUN
fsr-4141	131	126	–	–	PUNCT
fsr-4141	131	127	0.284	0.284	NUM
fsr-4141	131	128	*	*	PUNCT
fsr-4141	131	129	*	*	PUNCT
fsr-4141	131	130	*	*	PUNCT
fsr-4141	131	131	–	–	PUNCT
fsr-4141	131	132	0.161	0.161	NUM
fsr-4141	131	133	*	*	PUNCT
fsr-4141	131	134	*	*	PUNCT
fsr-4141	131	135	*	*	PUNCT
fsr-4141	131	136	–	–	PUNCT
fsr-4141	131	137	0.154	0.154	NUM
fsr-4141	131	138	*	*	PUNCT
fsr-4141	131	139	*	*	PUNCT
fsr-4141	131	140	*	*	PUNCT
fsr-4141	131	141	–	–	PUNCT
fsr-4141	131	142	0.189	0.189	NUM
fsr-4141	131	143	*	*	PUNCT
fsr-4141	131	144	*	*	PUNCT
fsr-4141	131	145	*	*	PUNCT
fsr-4141	131	146	–	–	PUNCT
fsr-4141	131	147	0.186	0.186	NUM
fsr-4141	131	148	*	*	PUNCT
fsr-4141	131	149	*	*	PUNCT
fsr-4141	131	150	*	*	PUNCT
fsr-4141	131	151	–	–	PUNCT
fsr-4141	131	152	0.259	0.259	NUM
fsr-4141	131	153	*	*	PUNCT
fsr-4141	131	154	*	*	PUNCT
fsr-4141	131	155	*	*	PUNCT
fsr-4141	131	156	(	(	PUNCT
fsr-4141	131	157	0.0592	0.0592	NUM
fsr-4141	131	158	)	)	PUNCT
fsr-4141	131	159	(	(	PUNCT
fsr-4141	131	160	0.0412	0.0412	NUM
fsr-4141	131	161	)	)	PUNCT
fsr-4141	131	162	(	(	PUNCT
fsr-4141	131	163	0.0527	0.0527	NUM
fsr-4141	131	164	)	)	PUNCT
fsr-4141	131	165	(	(	PUNCT
fsr-4141	131	166	0.0646	0.0646	NUM
fsr-4141	131	167	)	)	PUNCT
fsr-4141	131	168	(	(	PUNCT
fsr-4141	131	169	0.0653	0.0653	NUM
fsr-4141	131	170	)	)	PUNCT
fsr-4141	131	171	(	(	PUNCT
fsr-4141	131	172	0.0785	0.0785	NUM
fsr-4141	131	173	)	)	PUNCT
fsr-4141	131	174	educ	educ	VERB
fsr-4141	131	175	0.00007	0.00007	NUM
fsr-4141	131	176	–	–	PUNCT
fsr-4141	131	177	0.00018	0.00018	NUM
fsr-4141	131	178	–	–	PUNCT
fsr-4141	131	179	0.00028	0.00028	NUM
fsr-4141	131	180	–	–	PUNCT
fsr-4141	131	181	0.00037	0.00037	NUM
fsr-4141	131	182	–	–	PUNCT
fsr-4141	131	183	0.00017	0.00017	NUM
fsr-4141	131	184	(	(	PUNCT
fsr-4141	131	185	0.0006	0.0006	NUM
fsr-4141	131	186	)	)	PUNCT
fsr-4141	131	187	(	(	PUNCT
fsr-4141	131	188	0.0010	0.0010	NUM
fsr-4141	131	189	)	)	PUNCT
fsr-4141	131	190	(	(	PUNCT
fsr-4141	131	191	0.0010	0.0010	NUM
fsr-4141	131	192	)	)	PUNCT
fsr-4141	131	193	(	(	PUNCT
fsr-4141	131	194	0.0011	0.0011	NUM
fsr-4141	131	195	)	)	PUNCT
fsr-4141	131	196	(	(	PUNCT
fsr-4141	131	197	0.0010	0.0010	NUM
fsr-4141	131	198	)	)	PUNCT
fsr-4141	131	199	bfi	bfi	PROPN
fsr-4141	131	200	0.152	0.152	NUM
fsr-4141	131	201	*	*	NUM
fsr-4141	131	202	0.0716	0.0716	NUM
fsr-4141	131	203	0.0849	0.0849	NUM
fsr-4141	131	204	0.145	0.145	NUM
fsr-4141	131	205	(	(	PUNCT
fsr-4141	131	206	0.0771	0.0771	NUM
fsr-4141	131	207	)	)	PUNCT
fsr-4141	131	208	(	(	PUNCT
fsr-4141	131	209	0.0771	0.0771	NUM
fsr-4141	131	210	)	)	PUNCT
fsr-4141	131	211	(	(	PUNCT
fsr-4141	131	212	0.0816	0.0816	NUM
fsr-4141	131	213	)	)	PUNCT
fsr-4141	131	214	(	(	PUNCT
fsr-4141	131	215	0.0880	0.0880	NUM
fsr-4141	131	216	)	)	PUNCT
fsr-4141	131	217	fwb	fwb	NOUN
fsr-4141	131	218	–	–	PUNCT
fsr-4141	131	219	0.016	0.016	NUM
fsr-4141	131	220	–	–	PUNCT
fsr-4141	131	221	0.0533	0.0533	NUM
fsr-4141	131	222	–	–	PUNCT
fsr-4141	131	223	0.0294	0.0294	NUM
fsr-4141	131	224	(	(	PUNCT
fsr-4141	131	225	0.0936	0.0936	NUM
fsr-4141	131	226	)	)	PUNCT
fsr-4141	131	227	(	(	PUNCT
fsr-4141	131	228	0.0964	0.0964	NUM
fsr-4141	131	229	)	)	PUNCT
fsr-4141	131	230	(	(	PUNCT
fsr-4141	131	231	0.0916	0.0916	NUM
fsr-4141	131	232	)	)	PUNCT
fsr-4141	131	233	inf	inf	NOUN
fsr-4141	131	234	1.122	1.122	NUM
fsr-4141	131	235	*	*	NOUN
fsr-4141	131	236	*	*	NOUN
fsr-4141	131	237	0.946	0.946	NUM
fsr-4141	131	238	*	*	SYM
fsr-4141	131	239	(	(	PUNCT
fsr-4141	131	240	0.5120	0.5120	NUM
fsr-4141	131	241	)	)	PUNCT
fsr-4141	131	242	(	(	PUNCT
fsr-4141	131	243	0.5070	0.5070	NUM
fsr-4141	131	244	)	)	PUNCT
fsr-4141	131	245	gdp	gdp	NOUN
fsr-4141	131	246	–	–	PUNCT
fsr-4141	131	247	0.410	0.410	NUM
fsr-4141	131	248	*	*	PUNCT
fsr-4141	131	249	*	*	PUNCT
fsr-4141	131	250	–	–	PUNCT
fsr-4141	131	251	0.363	0.363	NUM
fsr-4141	131	252	(	(	PUNCT
fsr-4141	131	253	0.1940	0.1940	NUM
fsr-4141	131	254	)	)	PUNCT
fsr-4141	131	255	(	(	PUNCT
fsr-4141	131	256	0.2280	0.2280	NUM
fsr-4141	131	257	)	)	PUNCT
fsr-4141	131	258	constant	constant	ADJ
fsr-4141	131	259	0.258	0.258	NUM
fsr-4141	131	260	*	*	PUNCT
fsr-4141	131	261	*	*	PUNCT
fsr-4141	131	262	*	*	PUNCT
fsr-4141	131	263	0.174	0.174	NUM
fsr-4141	131	264	*	*	PUNCT
fsr-4141	131	265	*	*	PUNCT
fsr-4141	131	266	*	*	PUNCT
fsr-4141	131	267	0.245	0.245	NUM
fsr-4141	131	268	*	*	PUNCT
fsr-4141	131	269	*	*	PUNCT
fsr-4141	131	270	*	*	PUNCT
fsr-4141	131	271	0.245	0.245	NUM
fsr-4141	131	272	*	*	PUNCT
fsr-4141	131	273	*	*	PUNCT
fsr-4141	131	274	*	*	PUNCT
fsr-4141	131	275	0.240	0.240	NUM
fsr-4141	131	276	*	*	PUNCT
fsr-4141	131	277	*	*	PUNCT
fsr-4141	131	278	*	*	PUNCT
fsr-4141	131	279	0.263	0.263	PRON
fsr-4141	131	280	*	*	PUNCT
fsr-4141	131	281	*	*	PUNCT
fsr-4141	131	282	*	*	PUNCT
fsr-4141	131	283	0.262	0.262	NUM
fsr-4141	131	284	*	*	PUNCT
fsr-4141	131	285	*	*	PUNCT
fsr-4141	131	286	*	*	PUNCT
fsr-4141	131	287	(	(	PUNCT
fsr-4141	131	288	0.0387	0.0387	NUM
fsr-4141	131	289	)	)	PUNCT
fsr-4141	131	290	(	(	PUNCT
fsr-4141	131	291	0.0110	0.0110	NUM
fsr-4141	131	292	)	)	PUNCT
fsr-4141	131	293	(	(	PUNCT
fsr-4141	131	294	0.0204	0.0204	NUM
fsr-4141	131	295	)	)	PUNCT
fsr-4141	131	296	(	(	PUNCT
fsr-4141	131	297	0.0217	0.0217	NUM
fsr-4141	131	298	)	)	PUNCT
fsr-4141	131	299	(	(	PUNCT
fsr-4141	131	300	0.0225	0.0225	NUM
fsr-4141	131	301	)	)	PUNCT
fsr-4141	131	302	(	(	PUNCT
fsr-4141	131	303	0.0473	0.0473	NUM
fsr-4141	131	304	)	)	PUNCT
fsr-4141	131	305	(	(	PUNCT
fsr-4141	131	306	0.0446	0.0446	NUM
fsr-4141	131	307	)	)	PUNCT
fsr-4141	131	308	observatio	observatio	NOUN
fsr-4141	132	1	ns	ns	NUM
fsr-4141	132	2	71	71	NUM
fsr-4141	132	3	71	71	NUM
fsr-4141	132	4	71	71	NUM
fsr-4141	132	5	71	71	NUM
fsr-4141	132	6	71	71	NUM
fsr-4141	132	7	71	71	NUM
fsr-4141	132	8	71	71	NUM
fsr-4141	132	9	r	r	NOUN
fsr-4141	132	10	squared	square	VERB
fsr-4141	132	11	0.392	0.392	NUM
fsr-4141	132	12	0.110	0.110	NUM
fsr-4141	132	13	0.322	0.322	NUM
fsr-4141	132	14	0.321	0.321	NUM
fsr-4141	132	15	0.331	0.331	NUM
fsr-4141	132	16	0.333	0.333	NUM
fsr-4141	132	17	0.390	0.390	NUM
fsr-4141	132	18	number	number	NOUN
fsr-4141	132	19	of	of	ADP
fsr-4141	132	20	countries	country	NOUN
fsr-4141	132	21	24	24	NUM
fsr-4141	132	22	24	24	NUM
fsr-4141	132	23	24	24	NUM
fsr-4141	132	24	24	24	NUM
fsr-4141	132	25	24	24	NUM
fsr-4141	132	26	24	24	NUM
fsr-4141	132	27	24	24	NUM
fsr-4141	132	28	table	table	NOUN
fsr-4141	132	29	2	2	NUM
fsr-4141	132	30	presents	present	VERB
fsr-4141	132	31	the	the	DET
fsr-4141	132	32	estimation	estimation	NOUN
fsr-4141	132	33	results	result	NOUN
fsr-4141	132	34	.	.	PUNCT
fsr-4141	133	1	model	model	NOUN
fsr-4141	133	2	(	(	PUNCT
fsr-4141	133	3	1	1	X
fsr-4141	133	4	)	)	PUNCT
fsr-4141	133	5	presents	present	VERB
fsr-4141	133	6	the	the	DET
fsr-4141	133	7	results	result	NOUN
fsr-4141	133	8	of	of	ADP
fsr-4141	133	9	regressing	regress	VERB
fsr-4141	133	10	the	the	DET
fsr-4141	133	11	model	model	NOUN
fsr-4141	133	12	using	use	VERB
fsr-4141	133	13	ols	ol	NOUN
fsr-4141	133	14	with	with	ADP
fsr-4141	133	15	robust	robust	ADJ
fsr-4141	133	16	standard	standard	ADJ
fsr-4141	133	17	errors	error	NOUN
fsr-4141	133	18	to	to	PART
fsr-4141	133	19	eliminate	eliminate	VERB
fsr-4141	133	20	heteroskedasticity	heteroskedasticity	NOUN
fsr-4141	133	21	.	.	PUNCT
fsr-4141	134	1	models	model	NOUN
fsr-4141	134	2	(	(	PUNCT
fsr-4141	134	3	2)–(7	2)–(7	NUM
fsr-4141	134	4	)	)	PUNCT
fsr-4141	134	5	present	present	VERB
fsr-4141	134	6	the	the	DET
fsr-4141	134	7	results	result	NOUN
fsr-4141	134	8	of	of	ADP
fsr-4141	134	9	estimating	estimate	VERB
fsr-4141	134	10	the	the	DET
fsr-4141	134	11	model	model	NOUN
fsr-4141	134	12	using	use	VERB
fsr-4141	134	13	the	the	DET
fsr-4141	134	14	panel	panel	NOUN
fsr-4141	134	15	random	random	ADJ
fsr-4141	134	16	-	-	PUNCT
fsr-4141	134	17	effects	effect	NOUN
fsr-4141	134	18	model	model	NOUN
fsr-4141	134	19	,	,	PUNCT
fsr-4141	134	20	including	include	VERB
fsr-4141	134	21	one	one	NUM
fsr-4141	134	22	variable	variable	NOUN
fsr-4141	134	23	at	at	ADP
fsr-4141	134	24	a	a	DET
fsr-4141	134	25	time	time	NOUN
fsr-4141	134	26	.	.	PUNCT
fsr-4141	135	1	the	the	DET
fsr-4141	135	2	data	datum	NOUN
fsr-4141	135	3	are	be	AUX
fsr-4141	135	4	drawn	draw	VERB
fsr-4141	135	5	from	from	ADP
fsr-4141	135	6	three	three	NUM
fsr-4141	135	7	waves	wave	NOUN
fsr-4141	135	8	of	of	ADP
fsr-4141	135	9	panel	panel	NOUN
fsr-4141	135	10	data	datum	NOUN
fsr-4141	135	11	spanning	span	VERB
fsr-4141	135	12	the	the	DET
fsr-4141	135	13	years	year	NOUN
fsr-4141	135	14	2014	2014	NUM
fsr-4141	135	15	,	,	PUNCT
fsr-4141	135	16	2017	2017	NUM
fsr-4141	135	17	,	,	PUNCT
fsr-4141	135	18	and	and	CCONJ
fsr-4141	135	19	2021	2021	NUM
fsr-4141	135	20	,	,	PUNCT
fsr-4141	135	21	sourced	source	VERB
fsr-4141	135	22	from	from	ADP
fsr-4141	135	23	the	the	DET
fsr-4141	135	24	global	global	ADJ
fsr-4141	135	25	findex	findex	NOUN
fsr-4141	135	26	(	(	PUNCT
fsr-4141	135	27	demirgüç	demirgüç	PROPN
fsr-4141	135	28	-	-	PUNCT
fsr-4141	135	29	kunt	kunt	PROPN
fsr-4141	135	30	et	et	PROPN
fsr-4141	135	31	al	al	PROPN
fsr-4141	135	32	.	.	PROPN
fsr-4141	135	33	,	,	PUNCT
fsr-4141	135	34	2022	2022	NUM
fsr-4141	135	35	)	)	PUNCT
fsr-4141	135	36	and	and	CCONJ
fsr-4141	135	37	eurostat	eurostat	PROPN
fsr-4141	135	38	(	(	PUNCT
fsr-4141	135	39	n.d	n.d	PROPN
fsr-4141	135	40	.	.	PROPN
fsr-4141	135	41	)	)	PUNCT
fsr-4141	135	42	databases	database	NOUN
fsr-4141	135	43	.	.	PUNCT
fsr-4141	136	1	the	the	DET
fsr-4141	136	2	dataset	dataset	NOUN
fsr-4141	136	3	encompasses	encompass	VERB
fsr-4141	136	4	all	all	DET
fsr-4141	136	5	eu	eu	PROPN
fsr-4141	136	6	member	member	NOUN
fsr-4141	136	7	states	state	NOUN
fsr-4141	136	8	,	,	PUNCT
fsr-4141	136	9	excluding	exclude	VERB
fsr-4141	136	10	luxembourg	luxembourg	PROPN
fsr-4141	136	11	,	,	PUNCT
fsr-4141	136	12	slovenia	slovenia	PROPN
fsr-4141	136	13	,	,	PUNCT
fsr-4141	136	14	and	and	CCONJ
fsr-4141	136	15	the	the	DET
fsr-4141	136	16	slovak	slovak	ADJ
fsr-4141	136	17	republic	republic	NOUN
fsr-4141	136	18	.	.	PUNCT
fsr-4141	137	1	note	note	NOUN
fsr-4141	137	2	:	:	PUNCT
fsr-4141	138	1	*	*	PUNCT
fsr-4141	138	2	*	*	PUNCT
fsr-4141	138	3	*	*	PUNCT
fsr-4141	138	4	,	,	PUNCT
fsr-4141	138	5	*	*	PUNCT
fsr-4141	138	6	*	*	PUNCT
fsr-4141	138	7	,	,	PUNCT
fsr-4141	138	8	and	and	CCONJ
fsr-4141	138	9	*	*	PUNCT
fsr-4141	138	10	denote	denote	VERB
fsr-4141	138	11	the	the	DET
fsr-4141	138	12	1	1	NUM
fsr-4141	138	13	%	%	NOUN
fsr-4141	138	14	,	,	PUNCT
fsr-4141	138	15	5	5	NUM
fsr-4141	138	16	%	%	NOUN
fsr-4141	138	17	,	,	PUNCT
fsr-4141	138	18	and	and	CCONJ
fsr-4141	138	19	10	10	NUM
fsr-4141	138	20	%	%	NOUN
fsr-4141	138	21	significance	significance	NOUN
fsr-4141	138	22	levels	level	NOUN
fsr-4141	138	23	,	,	PUNCT
fsr-4141	138	24	respectively	respectively	ADV
fsr-4141	138	25	.	.	PUNCT
fsr-4141	139	1	standard	standard	ADJ
fsr-4141	139	2	errors	error	NOUN
fsr-4141	139	3	are	be	AUX
fsr-4141	139	4	shown	show	VERB
fsr-4141	139	5	within	within	ADP
fsr-4141	139	6	parentheses	parenthesis	NOUN
fsr-4141	139	7	.	.	PUNCT
fsr-4141	140	1	for	for	ADP
fsr-4141	140	2	model	model	NOUN
fsr-4141	140	3	(	(	PUNCT
fsr-4141	140	4	1	1	NUM
fsr-4141	140	5	)	)	PUNCT
fsr-4141	140	6	,	,	PUNCT
fsr-4141	140	7	robust	robust	ADJ
fsr-4141	140	8	standard	standard	ADJ
fsr-4141	140	9	errors	error	NOUN
fsr-4141	140	10	are	be	AUX
fsr-4141	140	11	reported	report	VERB
fsr-4141	140	12	.	.	PUNCT
fsr-4141	141	1	the	the	DET
fsr-4141	141	2	debit	debit	NOUN
fsr-4141	141	3	variable	variable	NOUN
fsr-4141	141	4	is	be	AUX
fsr-4141	141	5	standardized	standardize	VERB
fsr-4141	141	6	by	by	ADP
fsr-4141	141	7	subtracting	subtract	VERB
fsr-4141	141	8	its	its	PRON
fsr-4141	141	9	mean	mean	NOUN
fsr-4141	141	10	and	and	CCONJ
fsr-4141	141	11	dividing	dividing	NOUN
fsr-4141	141	12	by	by	ADP
fsr-4141	141	13	its	its	PRON
fsr-4141	141	14	standard	standard	ADJ
fsr-4141	141	15	deviation	deviation	NOUN
fsr-4141	141	16	to	to	PART
fsr-4141	141	17	ensure	ensure	VERB
fsr-4141	141	18	comparability	comparability	NOUN
fsr-4141	141	19	to	to	ADP
fsr-4141	141	20	other	other	ADJ
fsr-4141	141	21	variables	variable	NOUN
fsr-4141	141	22	measured	measure	VERB
fsr-4141	141	23	in	in	ADP
fsr-4141	141	24	percentages	percentage	NOUN
fsr-4141	141	25	.	.	PUNCT
fsr-4141	142	1	diab	diab	PROPN
fsr-4141	142	2	et	et	PROPN
fsr-4141	142	3	al	al	PROPN
fsr-4141	142	4	.	.	PROPN
fsr-4141	143	1	55	55	NUM
fsr-4141	143	2	table	table	NOUN
fsr-4141	143	3	3	3	NUM
fsr-4141	143	4	.	.	PUNCT
fsr-4141	144	1	ols	ol	NOUN
fsr-4141	144	2	results	result	NOUN
fsr-4141	144	3	(	(	PUNCT
fsr-4141	144	4	when	when	SCONJ
fsr-4141	144	5	replacing	replace	VERB
fsr-4141	144	6	educ	educ	ADV
fsr-4141	144	7	with	with	ADP
fsr-4141	144	8	apl	apl	NOUN
fsr-4141	144	9	)	)	PUNCT
fsr-4141	144	10	variables	variable	NOUN
fsr-4141	144	11	model	model	NOUN
fsr-4141	144	12	(	(	PUNCT
fsr-4141	144	13	1	1	NUM
fsr-4141	144	14	)	)	PUNCT
fsr-4141	144	15	model	model	NOUN
fsr-4141	144	16	(	(	PUNCT
fsr-4141	144	17	2	2	NUM
fsr-4141	144	18	)	)	PUNCT
fsr-4141	144	19	debit	debit	NOUN
fsr-4141	144	20	–	–	PUNCT
fsr-4141	144	21	0.021	0.021	NUM
fsr-4141	144	22	*	*	PUNCT
fsr-4141	144	23	*	*	PUNCT
fsr-4141	144	24	*	*	PUNCT
fsr-4141	144	25	–	–	PUNCT
fsr-4141	144	26	0.022	0.022	NUM
fsr-4141	144	27	*	*	PUNCT
fsr-4141	144	28	*	*	PUNCT
fsr-4141	144	29	*	*	PUNCT
fsr-4141	144	30	(	(	PUNCT
fsr-4141	144	31	0.0059	0.0059	NUM
fsr-4141	144	32	)	)	PUNCT
fsr-4141	144	33	(	(	PUNCT
fsr-4141	144	34	0.0073	0.0073	NUM
fsr-4141	144	35	)	)	PUNCT
fsr-4141	144	36	saving	saving	NOUN
fsr-4141	144	37	–	–	PUNCT
fsr-4141	144	38	0.242	0.242	NUM
fsr-4141	144	39	*	*	PUNCT
fsr-4141	144	40	*	*	PUNCT
fsr-4141	144	41	*	*	PUNCT
fsr-4141	144	42	–	–	PUNCT
fsr-4141	144	43	0.205	0.205	NUM
fsr-4141	144	44	*	*	PUNCT
fsr-4141	144	45	*	*	PUNCT
fsr-4141	144	46	(	(	PUNCT
fsr-4141	144	47	0.0610	0.0610	NUM
fsr-4141	144	48	)	)	PUNCT
fsr-4141	144	49	(	(	PUNCT
fsr-4141	144	50	0.0827	0.0827	NUM
fsr-4141	144	51	)	)	PUNCT
fsr-4141	144	52	apl	apl	NOUN
fsr-4141	144	53	–	–	PUNCT
fsr-4141	144	54	0.103	0.103	NUM
fsr-4141	144	55	–	–	PUNCT
fsr-4141	144	56	0.153	0.153	NUM
fsr-4141	144	57	(	(	PUNCT
fsr-4141	144	58	0.0913	0.0913	NUM
fsr-4141	144	59	)	)	PUNCT
fsr-4141	144	60	(	(	PUNCT
fsr-4141	144	61	0.1180	0.1180	NUM
fsr-4141	144	62	)	)	PUNCT
fsr-4141	144	63	bfi	bfi	PROPN
fsr-4141	144	64	0.158	0.158	NUM
fsr-4141	144	65	*	*	PUNCT
fsr-4141	144	66	*	*	PUNCT
fsr-4141	144	67	0.149	0.149	NUM
fsr-4141	144	68	*	*	PUNCT
fsr-4141	144	69	(	(	PUNCT
fsr-4141	144	70	0.0759	0.0759	NUM
fsr-4141	144	71	)	)	PUNCT
fsr-4141	144	72	(	(	PUNCT
fsr-4141	144	73	0.0885	0.0885	NUM
fsr-4141	144	74	)	)	PUNCT
fsr-4141	144	75	fwb	fwb	NOUN
fsr-4141	144	76	–	–	PUNCT
fsr-4141	144	77	0.0157	0.0157	NUM
fsr-4141	144	78	–	–	PUNCT
fsr-4141	144	79	0.0273	0.0273	NUM
fsr-4141	144	80	(	(	PUNCT
fsr-4141	144	81	0.0900	0.0900	NUM
fsr-4141	144	82	)	)	PUNCT
fsr-4141	144	83	(	(	PUNCT
fsr-4141	144	84	0.0924	0.0924	NUM
fsr-4141	144	85	)	)	PUNCT
fsr-4141	144	86	inf	inf	NOUN
fsr-4141	144	87	1.083	1.083	NUM
fsr-4141	144	88	*	*	NOUN
fsr-4141	144	89	*	*	PUNCT
fsr-4141	144	90	0.880	0.880	NUM
fsr-4141	144	91	*	*	PUNCT
fsr-4141	144	92	(	(	PUNCT
fsr-4141	144	93	0.5151	0.5151	NUM
fsr-4141	144	94	)	)	PUNCT
fsr-4141	144	95	(	(	PUNCT
fsr-4141	144	96	0.4970	0.4970	NUM
fsr-4141	144	97	)	)	PUNCT
fsr-4141	144	98	gdp	gdp	NOUN
fsr-4141	144	99	–	–	PUNCT
fsr-4141	144	100	0.479	0.479	NUM
fsr-4141	144	101	*	*	NOUN
fsr-4141	144	102	*	*	PUNCT
fsr-4141	144	103	–	–	PUNCT
fsr-4141	144	104	0.424	0.424	NUM
fsr-4141	144	105	*	*	SYM
fsr-4141	144	106	(	(	PUNCT
fsr-4141	144	107	0.2080	0.2080	NUM
fsr-4141	144	108	)	)	PUNCT
fsr-4141	144	109	(	(	PUNCT
fsr-4141	144	110	0.2321	0.2321	NUM
fsr-4141	144	111	)	)	PUNCT
fsr-4141	144	112	constant	constant	ADJ
fsr-4141	144	113	0.255	0.255	NUM
fsr-4141	144	114	*	*	PUNCT
fsr-4141	144	115	*	*	PUNCT
fsr-4141	144	116	*	*	PUNCT
fsr-4141	144	117	0.253	0.253	NUM
fsr-4141	144	118	*	*	PUNCT
fsr-4141	144	119	*	*	PUNCT
fsr-4141	144	120	*	*	PUNCT
fsr-4141	144	121	(	(	PUNCT
fsr-4141	144	122	0.0349	0.0349	NUM
fsr-4141	144	123	)	)	PUNCT
fsr-4141	144	124	(	(	PUNCT
fsr-4141	144	125	0.0442	0.0442	NUM
fsr-4141	144	126	)	)	PUNCT
fsr-4141	144	127	observations	observation	NOUN
fsr-4141	144	128	71	71	NUM
fsr-4141	144	129	71	71	NUM
fsr-4141	144	130	r	r	NOUN
fsr-4141	144	131	squared	square	VERB
fsr-4141	144	132	0.401	0.401	NUM
fsr-4141	144	133	0.396	0.396	NUM
fsr-4141	144	134	number	number	NOUN
fsr-4141	144	135	of	of	ADP
fsr-4141	144	136	countries	country	NOUN
fsr-4141	144	137	24	24	NUM
fsr-4141	144	138	24	24	NUM
fsr-4141	144	139	table	table	NOUN
fsr-4141	144	140	3	3	NUM
fsr-4141	144	141	presents	present	VERB
fsr-4141	144	142	the	the	DET
fsr-4141	144	143	estimation	estimation	NOUN
fsr-4141	144	144	results	result	NOUN
fsr-4141	144	145	of	of	ADP
fsr-4141	144	146	replicating	replicate	VERB
fsr-4141	144	147	the	the	DET
fsr-4141	144	148	models	model	NOUN
fsr-4141	144	149	in	in	ADP
fsr-4141	144	150	table	table	NOUN
fsr-4141	144	151	2	2	NUM
fsr-4141	144	152	while	while	SCONJ
fsr-4141	144	153	replacing	replace	VERB
fsr-4141	144	154	educ	educ	ADV
fsr-4141	144	155	with	with	ADP
fsr-4141	144	156	apl	apl	PROPN
fsr-4141	144	157	.	.	PROPN
fsr-4141	144	158	model	model	PROPN
fsr-4141	144	159	(	(	PUNCT
fsr-4141	144	160	1	1	X
fsr-4141	144	161	)	)	PUNCT
fsr-4141	144	162	presents	present	VERB
fsr-4141	144	163	the	the	DET
fsr-4141	144	164	results	result	NOUN
fsr-4141	144	165	of	of	ADP
fsr-4141	144	166	regressing	regress	VERB
fsr-4141	144	167	the	the	DET
fsr-4141	144	168	model	model	NOUN
fsr-4141	144	169	using	use	VERB
fsr-4141	144	170	ols	ol	NOUN
fsr-4141	144	171	with	with	ADP
fsr-4141	144	172	robust	robust	ADJ
fsr-4141	144	173	standard	standard	ADJ
fsr-4141	144	174	errors	error	NOUN
fsr-4141	144	175	to	to	PART
fsr-4141	144	176	eliminate	eliminate	VERB
fsr-4141	144	177	heteroskedasticity	heteroskedasticity	NOUN
fsr-4141	144	178	.	.	PUNCT
fsr-4141	145	1	model	model	NOUN
fsr-4141	145	2	(	(	PUNCT
fsr-4141	145	3	2	2	NUM
fsr-4141	145	4	)	)	PUNCT
fsr-4141	145	5	presents	present	VERB
fsr-4141	145	6	the	the	DET
fsr-4141	145	7	results	result	NOUN
fsr-4141	145	8	of	of	ADP
fsr-4141	145	9	estimating	estimate	VERB
fsr-4141	145	10	the	the	DET
fsr-4141	145	11	model	model	NOUN
fsr-4141	145	12	using	use	VERB
fsr-4141	145	13	the	the	DET
fsr-4141	145	14	panel	panel	NOUN
fsr-4141	145	15	random	random	ADJ
fsr-4141	145	16	-	-	PUNCT
fsr-4141	145	17	effects	effect	NOUN
fsr-4141	145	18	model	model	NOUN
fsr-4141	145	19	,	,	PUNCT
fsr-4141	145	20	including	include	VERB
fsr-4141	145	21	all	all	DET
fsr-4141	145	22	variables	variable	NOUN
fsr-4141	145	23	.	.	PUNCT
fsr-4141	146	1	the	the	DET
fsr-4141	146	2	data	datum	NOUN
fsr-4141	146	3	are	be	AUX
fsr-4141	146	4	drawn	draw	VERB
fsr-4141	146	5	from	from	ADP
fsr-4141	146	6	three	three	NUM
fsr-4141	146	7	waves	wave	NOUN
fsr-4141	146	8	of	of	ADP
fsr-4141	146	9	panel	panel	NOUN
fsr-4141	146	10	data	datum	NOUN
fsr-4141	146	11	spanning	span	VERB
fsr-4141	146	12	the	the	DET
fsr-4141	146	13	years	year	NOUN
fsr-4141	146	14	2014	2014	NUM
fsr-4141	146	15	,	,	PUNCT
fsr-4141	146	16	2017	2017	NUM
fsr-4141	146	17	,	,	PUNCT
fsr-4141	146	18	and	and	CCONJ
fsr-4141	146	19	2021	2021	NUM
fsr-4141	146	20	,	,	PUNCT
fsr-4141	146	21	sourced	source	VERB
fsr-4141	146	22	from	from	ADP
fsr-4141	146	23	the	the	DET
fsr-4141	146	24	global	global	ADJ
fsr-4141	146	25	findex	findex	NOUN
fsr-4141	146	26	(	(	PUNCT
fsr-4141	146	27	demirgüç	demirgüç	PROPN
fsr-4141	146	28	-	-	PUNCT
fsr-4141	146	29	kunt	kunt	PROPN
fsr-4141	146	30	et	et	PROPN
fsr-4141	146	31	al	al	PROPN
fsr-4141	146	32	.	.	PROPN
fsr-4141	146	33	,	,	PUNCT
fsr-4141	146	34	2022	2022	NUM
fsr-4141	146	35	)	)	PUNCT
fsr-4141	146	36	and	and	CCONJ
fsr-4141	146	37	eurostat	eurostat	PROPN
fsr-4141	146	38	(	(	PUNCT
fsr-4141	146	39	n.d	n.d	PROPN
fsr-4141	146	40	.	.	PROPN
fsr-4141	146	41	)	)	PUNCT
fsr-4141	146	42	databases	database	NOUN
fsr-4141	146	43	.	.	PUNCT
fsr-4141	147	1	the	the	DET
fsr-4141	147	2	dataset	dataset	NOUN
fsr-4141	147	3	encompasses	encompass	VERB
fsr-4141	147	4	all	all	DET
fsr-4141	147	5	eu	eu	PROPN
fsr-4141	147	6	member	member	NOUN
fsr-4141	147	7	states	state	NOUN
fsr-4141	147	8	,	,	PUNCT
fsr-4141	147	9	excluding	exclude	VERB
fsr-4141	147	10	luxembourg	luxembourg	PROPN
fsr-4141	147	11	,	,	PUNCT
fsr-4141	147	12	slovenia	slovenia	PROPN
fsr-4141	147	13	,	,	PUNCT
fsr-4141	147	14	and	and	CCONJ
fsr-4141	147	15	the	the	DET
fsr-4141	147	16	slovak	slovak	ADJ
fsr-4141	147	17	republic	republic	NOUN
fsr-4141	147	18	.	.	PUNCT
fsr-4141	148	1	note	note	NOUN
fsr-4141	148	2	:	:	PUNCT
fsr-4141	149	1	*	*	PUNCT
fsr-4141	149	2	*	*	PUNCT
fsr-4141	149	3	*	*	PUNCT
fsr-4141	149	4	,	,	PUNCT
fsr-4141	149	5	*	*	PUNCT
fsr-4141	149	6	*	*	PUNCT
fsr-4141	149	7	,	,	PUNCT
fsr-4141	149	8	and	and	CCONJ
fsr-4141	149	9	*	*	PUNCT
fsr-4141	149	10	denote	denote	VERB
fsr-4141	149	11	the	the	DET
fsr-4141	149	12	1	1	NUM
fsr-4141	149	13	%	%	NOUN
fsr-4141	149	14	,	,	PUNCT
fsr-4141	149	15	5	5	NUM
fsr-4141	149	16	%	%	NOUN
fsr-4141	149	17	,	,	PUNCT
fsr-4141	149	18	and	and	CCONJ
fsr-4141	149	19	10	10	NUM
fsr-4141	149	20	%	%	NOUN
fsr-4141	149	21	significance	significance	NOUN
fsr-4141	149	22	levels	level	NOUN
fsr-4141	149	23	,	,	PUNCT
fsr-4141	149	24	respectively	respectively	ADV
fsr-4141	149	25	.	.	PUNCT
fsr-4141	150	1	standard	standard	ADJ
fsr-4141	150	2	errors	error	NOUN
fsr-4141	150	3	are	be	AUX
fsr-4141	150	4	shown	show	VERB
fsr-4141	150	5	within	within	ADP
fsr-4141	150	6	parentheses	parenthesis	NOUN
fsr-4141	150	7	.	.	PUNCT
fsr-4141	151	1	for	for	ADP
fsr-4141	151	2	model	model	NOUN
fsr-4141	151	3	(	(	PUNCT
fsr-4141	151	4	1	1	NUM
fsr-4141	151	5	)	)	PUNCT
fsr-4141	151	6	,	,	PUNCT
fsr-4141	151	7	robust	robust	ADJ
fsr-4141	151	8	standard	standard	ADJ
fsr-4141	151	9	errors	error	NOUN
fsr-4141	151	10	are	be	AUX
fsr-4141	151	11	reported	report	VERB
fsr-4141	151	12	.	.	PUNCT
fsr-4141	152	1	the	the	DET
fsr-4141	152	2	debit	debit	NOUN
fsr-4141	152	3	variable	variable	NOUN
fsr-4141	152	4	is	be	AUX
fsr-4141	152	5	standardized	standardize	VERB
fsr-4141	152	6	by	by	ADP
fsr-4141	152	7	subtracting	subtract	VERB
fsr-4141	152	8	its	its	PRON
fsr-4141	152	9	mean	mean	NOUN
fsr-4141	152	10	and	and	CCONJ
fsr-4141	152	11	dividing	dividing	NOUN
fsr-4141	152	12	by	by	ADP
fsr-4141	152	13	its	its	PRON
fsr-4141	152	14	standard	standard	ADJ
fsr-4141	152	15	deviation	deviation	NOUN
fsr-4141	152	16	to	to	PART
fsr-4141	152	17	ensure	ensure	VERB
fsr-4141	152	18	comparability	comparability	NOUN
fsr-4141	152	19	with	with	ADP
fsr-4141	152	20	other	other	ADJ
fsr-4141	152	21	variables	variable	NOUN
fsr-4141	152	22	measured	measure	VERB
fsr-4141	152	23	in	in	ADP
fsr-4141	152	24	percentages	percentage	NOUN
fsr-4141	152	25	.	.	PUNCT
fsr-4141	153	1	although	although	SCONJ
fsr-4141	153	2	debit	debit	NOUN
fsr-4141	153	3	and	and	CCONJ
fsr-4141	153	4	credit	credit	NOUN
fsr-4141	153	5	cards	card	NOUN
fsr-4141	153	6	both	both	PRON
fsr-4141	153	7	involve	involve	VERB
fsr-4141	153	8	transactions	transaction	NOUN
fsr-4141	153	9	,	,	PUNCT
fsr-4141	153	10	they	they	PRON
fsr-4141	153	11	represent	represent	VERB
fsr-4141	153	12	two	two	NUM
fsr-4141	153	13	distinct	distinct	ADJ
fsr-4141	153	14	financial	financial	ADJ
fsr-4141	153	15	behaviors	behavior	NOUN
fsr-4141	153	16	.	.	PUNCT
fsr-4141	154	1	to	to	PART
fsr-4141	154	2	explore	explore	VERB
fsr-4141	154	3	how	how	SCONJ
fsr-4141	154	4	borrowing	borrowing	NOUN
fsr-4141	154	5	from	from	ADP
fsr-4141	154	6	family	family	NOUN
fsr-4141	154	7	or	or	CCONJ
fsr-4141	154	8	friends	friend	NOUN
fsr-4141	154	9	may	may	AUX
fsr-4141	154	10	be	be	AUX
fsr-4141	154	11	influenced	influence	VERB
fsr-4141	154	12	by	by	ADP
fsr-4141	154	13	these	these	DET
fsr-4141	154	14	different	different	ADJ
fsr-4141	154	15	behaviors	behavior	NOUN
fsr-4141	154	16	,	,	PUNCT
fsr-4141	154	17	we	we	PRON
fsr-4141	154	18	replicate	replicate	VERB
fsr-4141	154	19	the	the	DET
fsr-4141	154	20	test	test	NOUN
fsr-4141	154	21	presented	present	VERB
fsr-4141	154	22	in	in	ADP
fsr-4141	154	23	table	table	NOUN
fsr-4141	154	24	3	3	NUM
fsr-4141	154	25	and	and	CCONJ
fsr-4141	154	26	include	include	VERB
fsr-4141	154	27	the	the	DET
fsr-4141	154	28	total	total	ADJ
fsr-4141	154	29	number	number	NOUN
fsr-4141	154	30	of	of	ADP
fsr-4141	154	31	credit	credit	NOUN
fsr-4141	154	32	cards	card	NOUN
fsr-4141	154	33	.	.	PUNCT
fsr-4141	155	1	the	the	DET
fsr-4141	155	2	presence	presence	NOUN
fsr-4141	155	3	of	of	ADP
fsr-4141	155	4	the	the	DET
fsr-4141	155	5	debit	debit	NOUN
fsr-4141	155	6	and	and	CCONJ
fsr-4141	155	7	credit	credit	NOUN
fsr-4141	155	8	variables	variable	NOUN
fsr-4141	155	9	allows	allow	VERB
fsr-4141	155	10	us	we	PRON
fsr-4141	155	11	to	to	PART
fsr-4141	155	12	examine	examine	VERB
fsr-4141	155	13	the	the	DET
fsr-4141	155	14	interplay	interplay	NOUN
fsr-4141	155	15	among	among	ADP
fsr-4141	155	16	various	various	ADJ
fsr-4141	155	17	financial	financial	ADJ
fsr-4141	155	18	instruments	instrument	NOUN
fsr-4141	155	19	.	.	PUNCT
fsr-4141	156	1	including	include	VERB
fsr-4141	156	2	the	the	DET
fsr-4141	156	3	total	total	ADJ
fsr-4141	156	4	number	number	NOUN
fsr-4141	156	5	of	of	ADP
fsr-4141	156	6	credit	credit	NOUN
fsr-4141	156	7	cards	card	NOUN
fsr-4141	156	8	in	in	ADP
fsr-4141	156	9	the	the	DET
fsr-4141	156	10	model	model	NOUN
fsr-4141	156	11	adds	add	VERB
fsr-4141	156	12	the	the	DET
fsr-4141	156	13	element	element	NOUN
fsr-4141	156	14	of	of	ADP
fsr-4141	156	15	debit	debit	NOUN
fsr-4141	156	16	cards	card	NOUN
fsr-4141	156	17	and	and	CCONJ
fsr-4141	156	18	acts	act	NOUN
fsr-4141	156	19	as	as	ADP
fsr-4141	156	20	a	a	DET
fsr-4141	156	21	robustness	robustness	NOUN
fsr-4141	156	22	check	check	NOUN
fsr-4141	156	23	regarding	regard	VERB
fsr-4141	156	24	our	our	PRON
fsr-4141	156	25	findings	finding	NOUN
fsr-4141	156	26	on	on	ADP
fsr-4141	156	27	the	the	DET
fsr-4141	156	28	significance	significance	NOUN
fsr-4141	156	29	of	of	ADP
fsr-4141	156	30	the	the	DET
fsr-4141	156	31	debit	debit	NOUN
fsr-4141	156	32	variable	variable	NOUN
fsr-4141	156	33	.	.	PUNCT
fsr-4141	157	1	our	our	PRON
fsr-4141	157	2	findings	finding	NOUN
fsr-4141	157	3	provide	provide	VERB
fsr-4141	157	4	evidence	evidence	NOUN
fsr-4141	157	5	that	that	SCONJ
fsr-4141	157	6	the	the	DET
fsr-4141	157	7	relationship	relationship	NOUN
fsr-4141	157	8	between	between	ADP
fsr-4141	157	9	the	the	DET
fsr-4141	157	10	total	total	ADJ
fsr-4141	157	11	number	number	NOUN
fsr-4141	157	12	of	of	ADP
fsr-4141	157	13	debit	debit	NOUN
fsr-4141	157	14	cards	card	NOUN
fsr-4141	157	15	and	and	CCONJ
fsr-4141	157	16	borrowing	borrow	VERB
fsr-4141	157	17	from	from	ADP
fsr-4141	157	18	family	family	NOUN
fsr-4141	157	19	or	or	CCONJ
fsr-4141	157	20	friends	friend	NOUN
fsr-4141	157	21	holds	hold	VERB
fsr-4141	157	22	even	even	ADV
fsr-4141	157	23	when	when	SCONJ
fsr-4141	157	24	considering	consider	VERB
fsr-4141	157	25	a	a	DET
fsr-4141	157	26	broader	broad	ADJ
fsr-4141	157	27	range	range	NOUN
fsr-4141	157	28	of	of	ADP
fsr-4141	157	29	financial	financial	ADJ
fsr-4141	157	30	behavior	behavior	NOUN
fsr-4141	157	31	.	.	PUNCT
fsr-4141	158	1	the	the	DET
fsr-4141	158	2	additional	additional	ADJ
fsr-4141	158	3	results	result	NOUN
fsr-4141	158	4	reveal	reveal	VERB
fsr-4141	158	5	that	that	DET
fsr-4141	158	6	debit	debit	NOUN
fsr-4141	158	7	,	,	PUNCT
fsr-4141	158	8	saving	saving	NOUN
fsr-4141	158	9	,	,	PUNCT
fsr-4141	158	10	and	and	CCONJ
fsr-4141	158	11	inf	inf	NOUN
fsr-4141	158	12	remain	remain	VERB
fsr-4141	158	13	statistically	statistically	ADV
fsr-4141	158	14	significant	significant	ADJ
fsr-4141	158	15	across	across	ADP
fsr-4141	158	16	both	both	DET
fsr-4141	158	17	models	model	NOUN
fsr-4141	158	18	,	,	PUNCT
fsr-4141	158	19	as	as	SCONJ
fsr-4141	158	20	shown	show	VERB
fsr-4141	158	21	in	in	ADP
fsr-4141	158	22	table	table	NOUN
fsr-4141	158	23	4	4	NUM
fsr-4141	158	24	,	,	PUNCT
fsr-4141	158	25	aligning	align	VERB
fsr-4141	158	26	with	with	ADP
fsr-4141	158	27	those	those	PRON
fsr-4141	158	28	presented	present	VERB
fsr-4141	158	29	in	in	ADP
fsr-4141	158	30	table	table	NOUN
fsr-4141	158	31	3	3	NUM
fsr-4141	158	32	.	.	PUNCT
fsr-4141	158	33	additionally	additionally	ADV
fsr-4141	158	34	,	,	PUNCT
fsr-4141	158	35	gdp	gdp	NOUN
fsr-4141	158	36	is	be	AUX
fsr-4141	158	37	significant	significant	ADJ
fsr-4141	158	38	across	across	ADP
fsr-4141	158	39	both	both	DET
fsr-4141	158	40	models	model	NOUN
fsr-4141	158	41	.	.	PUNCT
fsr-4141	159	1	however	however	ADV
fsr-4141	159	2	,	,	PUNCT
fsr-4141	159	3	unlike	unlike	ADP
fsr-4141	159	4	the	the	DET
fsr-4141	159	5	results	result	NOUN
fsr-4141	159	6	presented	present	VERB
fsr-4141	159	7	in	in	ADP
fsr-4141	159	8	table	table	NOUN
fsr-4141	159	9	3	3	NUM
fsr-4141	159	10	,	,	PUNCT
fsr-4141	159	11	bfi	bfi	PROPN
fsr-4141	159	12	no	no	ADV
fsr-4141	159	13	longer	long	ADV
fsr-4141	159	14	exhibits	exhibit	VERB
fsr-4141	159	15	statistical	statistical	ADJ
fsr-4141	159	16	significance	significance	NOUN
fsr-4141	159	17	.	.	PUNCT
fsr-4141	160	1	financial	financial	ADJ
fsr-4141	160	2	services	service	NOUN
fsr-4141	160	3	review	review	NOUN
fsr-4141	160	4	,	,	PUNCT
fsr-4141	160	5	33(3	33(3	NOUN
fsr-4141	160	6	)	)	PUNCT
fsr-4141	160	7	56	56	NUM
fsr-4141	160	8	table	table	NOUN
fsr-4141	160	9	4	4	NUM
fsr-4141	160	10	.	.	PUNCT
fsr-4141	161	1	ols	ol	NOUN
fsr-4141	161	2	results	result	NOUN
fsr-4141	161	3	(	(	PUNCT
fsr-4141	161	4	when	when	SCONJ
fsr-4141	161	5	replacing	replace	VERB
fsr-4141	161	6	educ	educ	ADV
fsr-4141	161	7	with	with	ADP
fsr-4141	161	8	apl	apl	NOUN
fsr-4141	161	9	and	and	CCONJ
fsr-4141	161	10	including	include	VERB
fsr-4141	161	11	credit	credit	NOUN
fsr-4141	161	12	in	in	ADP
fsr-4141	161	13	the	the	DET
fsr-4141	161	14	models	model	NOUN
fsr-4141	161	15	)	)	PUNCT
fsr-4141	161	16	variables	variable	NOUN
fsr-4141	161	17	model	model	NOUN
fsr-4141	161	18	(	(	PUNCT
fsr-4141	161	19	1	1	NUM
fsr-4141	161	20	)	)	PUNCT
fsr-4141	161	21	model	model	NOUN
fsr-4141	161	22	(	(	PUNCT
fsr-4141	161	23	2	2	NUM
fsr-4141	161	24	)	)	PUNCT
fsr-4141	161	25	debit	debit	NOUN
fsr-4141	161	26	–	–	PUNCT
fsr-4141	161	27	0.023	0.023	NUM
fsr-4141	161	28	*	*	NOUN
fsr-4141	161	29	*	*	PUNCT
fsr-4141	161	30	–	–	PUNCT
fsr-4141	161	31	0.025	0.025	NUM
fsr-4141	161	32	*	*	NOUN
fsr-4141	161	33	*	*	PUNCT
fsr-4141	161	34	(	(	PUNCT
fsr-4141	161	35	0.0092	0.0092	NUM
fsr-4141	161	36	)	)	PUNCT
fsr-4141	161	37	(	(	PUNCT
fsr-4141	161	38	0.0118	0.0118	NUM
fsr-4141	161	39	)	)	PUNCT
fsr-4141	161	40	credit	credit	NOUN
fsr-4141	161	41	0.0078	0.0078	NUM
fsr-4141	161	42	0.0084	0.0084	NUM
fsr-4141	161	43	(	(	PUNCT
fsr-4141	161	44	0.0089	0.0089	NUM
fsr-4141	161	45	)	)	PUNCT
fsr-4141	161	46	(	(	PUNCT
fsr-4141	161	47	0.0112	0.0112	NUM
fsr-4141	161	48	)	)	PUNCT
fsr-4141	161	49	saving	saving	NOUN
fsr-4141	161	50	–	–	PUNCT
fsr-4141	161	51	0.250	0.250	NUM
fsr-4141	161	52	*	*	PUNCT
fsr-4141	161	53	*	*	PUNCT
fsr-4141	161	54	*	*	PUNCT
fsr-4141	161	55	–	–	PUNCT
fsr-4141	161	56	0.216	0.216	NUM
fsr-4141	161	57	*	*	NOUN
fsr-4141	161	58	*	*	PUNCT
fsr-4141	161	59	(	(	PUNCT
fsr-4141	161	60	0.0658	0.0658	NUM
fsr-4141	161	61	)	)	PUNCT
fsr-4141	161	62	(	(	PUNCT
fsr-4141	161	63	0.0870	0.0870	NUM
fsr-4141	161	64	)	)	PUNCT
fsr-4141	161	65	apl	apl	PROPN
fsr-4141	161	66	–	–	PUNCT
fsr-4141	161	67	0.069	0.069	NUM
fsr-4141	161	68	–	–	PUNCT
fsr-4141	161	69	0.117	0.117	NUM
fsr-4141	161	70	(	(	PUNCT
fsr-4141	161	71	0.0929	0.0929	NUM
fsr-4141	161	72	)	)	PUNCT
fsr-4141	161	73	(	(	PUNCT
fsr-4141	161	74	0.1240	0.1240	NUM
fsr-4141	161	75	)	)	PUNCT
fsr-4141	161	76	bfi	bfi	PROPN
fsr-4141	161	77	0.136	0.136	NUM
fsr-4141	161	78	0.131	0.131	NUM
fsr-4141	161	79	(	(	PUNCT
fsr-4141	161	80	0.0833	0.0833	NUM
fsr-4141	161	81	)	)	PUNCT
fsr-4141	161	82	(	(	PUNCT
fsr-4141	161	83	0.0934	0.0934	NUM
fsr-4141	161	84	)	)	PUNCT
fsr-4141	161	85	fwb	fwb	PROPN
fsr-4141	161	86	0.0016	0.0016	NUM
fsr-4141	161	87	–	–	PUNCT
fsr-4141	161	88	0.0104	0.0104	PROPN
fsr-4141	161	89	(	(	PUNCT
fsr-4141	161	90	0.0945	0.0945	NUM
fsr-4141	161	91	)	)	PUNCT
fsr-4141	161	92	(	(	PUNCT
fsr-4141	161	93	0.0939	0.0939	NUM
fsr-4141	161	94	)	)	PUNCT
fsr-4141	161	95	inf	inf	NOUN
fsr-4141	161	96	1.074	1.074	NUM
fsr-4141	161	97	*	*	X
fsr-4141	161	98	*	*	PUNCT
fsr-4141	161	99	0.913	0.913	NUM
fsr-4141	161	100	*	*	SYM
fsr-4141	161	101	(	(	PUNCT
fsr-4141	161	102	0.5261	0.5261	NUM
fsr-4141	161	103	)	)	PUNCT
fsr-4141	161	104	(	(	PUNCT
fsr-4141	161	105	0.5069	0.5069	NUM
fsr-4141	161	106	)	)	PUNCT
fsr-4141	161	107	gdp	gdp	NOUN
fsr-4141	161	108	–	–	PUNCT
fsr-4141	161	109	0.492	0.492	NUM
fsr-4141	161	110	*	*	PUNCT
fsr-4141	161	111	*	*	PUNCT
fsr-4141	161	112	–	–	PUNCT
fsr-4141	161	113	0.457	0.457	NUM
fsr-4141	161	114	*	*	PUNCT
fsr-4141	161	115	(	(	PUNCT
fsr-4141	161	116	0.2179	0.2179	NUM
fsr-4141	161	117	)	)	PUNCT
fsr-4141	161	118	(	(	PUNCT
fsr-4141	161	119	0.2390	0.2390	NUM
fsr-4141	161	120	)	)	PUNCT
fsr-4141	161	121	constant	constant	ADJ
fsr-4141	161	122	0.253	0.253	NUM
fsr-4141	161	123	*	*	PUNCT
fsr-4141	161	124	*	*	PUNCT
fsr-4141	161	125	*	*	PUNCT
fsr-4141	161	126	0.252	0.252	NUM
fsr-4141	161	127	*	*	PUNCT
fsr-4141	161	128	*	*	PUNCT
fsr-4141	161	129	*	*	PUNCT
fsr-4141	161	130	(	(	PUNCT
fsr-4141	161	131	0.0355	0.0355	NUM
fsr-4141	161	132	)	)	PUNCT
fsr-4141	161	133	(	(	PUNCT
fsr-4141	161	134	0.0446	0.0446	NUM
fsr-4141	161	135	)	)	PUNCT
fsr-4141	161	136	observations	observation	NOUN
fsr-4141	161	137	68	68	NUM
fsr-4141	161	138	68	68	NUM
fsr-4141	161	139	r	r	NOUN
fsr-4141	161	140	squared	square	VERB
fsr-4141	161	141	0.388	0.388	NUM
fsr-4141	161	142	0.384	0.384	NUM
fsr-4141	161	143	number	number	NOUN
fsr-4141	161	144	of	of	ADP
fsr-4141	161	145	countries	country	NOUN
fsr-4141	161	146	23	23	NUM
fsr-4141	161	147	23	23	NUM
fsr-4141	161	148	table	table	NOUN
fsr-4141	161	149	4	4	NUM
fsr-4141	161	150	presents	present	VERB
fsr-4141	161	151	the	the	DET
fsr-4141	161	152	estimation	estimation	NOUN
fsr-4141	161	153	results	result	NOUN
fsr-4141	161	154	of	of	ADP
fsr-4141	161	155	replacing	replace	VERB
fsr-4141	161	156	educ	educ	ADV
fsr-4141	161	157	with	with	ADP
fsr-4141	161	158	apl	apl	NOUN
fsr-4141	161	159	and	and	CCONJ
fsr-4141	161	160	including	include	VERB
fsr-4141	161	161	credit	credit	NOUN
fsr-4141	161	162	in	in	ADP
fsr-4141	161	163	the	the	DET
fsr-4141	161	164	models	model	NOUN
fsr-4141	161	165	.	.	PUNCT
fsr-4141	162	1	model	model	NOUN
fsr-4141	162	2	(	(	PUNCT
fsr-4141	162	3	1	1	X
fsr-4141	162	4	)	)	PUNCT
fsr-4141	162	5	presents	present	VERB
fsr-4141	162	6	the	the	DET
fsr-4141	162	7	results	result	NOUN
fsr-4141	162	8	of	of	ADP
fsr-4141	162	9	regressing	regress	VERB
fsr-4141	162	10	the	the	DET
fsr-4141	162	11	model	model	NOUN
fsr-4141	162	12	using	use	VERB
fsr-4141	162	13	ols	ol	NOUN
fsr-4141	162	14	with	with	ADP
fsr-4141	162	15	robust	robust	ADJ
fsr-4141	162	16	standard	standard	ADJ
fsr-4141	162	17	errors	error	NOUN
fsr-4141	162	18	to	to	PART
fsr-4141	162	19	eliminate	eliminate	VERB
fsr-4141	162	20	heteroskedasticity	heteroskedasticity	NOUN
fsr-4141	162	21	.	.	PUNCT
fsr-4141	163	1	model	model	NOUN
fsr-4141	163	2	(	(	PUNCT
fsr-4141	163	3	2	2	NUM
fsr-4141	163	4	)	)	PUNCT
fsr-4141	163	5	presents	present	VERB
fsr-4141	163	6	the	the	DET
fsr-4141	163	7	results	result	NOUN
fsr-4141	163	8	of	of	ADP
fsr-4141	163	9	estimating	estimate	VERB
fsr-4141	163	10	the	the	DET
fsr-4141	163	11	model	model	NOUN
fsr-4141	163	12	using	use	VERB
fsr-4141	163	13	the	the	DET
fsr-4141	163	14	panel	panel	NOUN
fsr-4141	163	15	random	random	ADJ
fsr-4141	163	16	-	-	PUNCT
fsr-4141	163	17	effects	effect	NOUN
fsr-4141	163	18	model	model	NOUN
fsr-4141	163	19	,	,	PUNCT
fsr-4141	163	20	including	include	VERB
fsr-4141	163	21	all	all	DET
fsr-4141	163	22	variables	variable	NOUN
fsr-4141	163	23	.	.	PUNCT
fsr-4141	164	1	the	the	DET
fsr-4141	164	2	data	datum	NOUN
fsr-4141	164	3	are	be	AUX
fsr-4141	164	4	drawn	draw	VERB
fsr-4141	164	5	from	from	ADP
fsr-4141	164	6	three	three	NUM
fsr-4141	164	7	waves	wave	NOUN
fsr-4141	164	8	of	of	ADP
fsr-4141	164	9	panel	panel	NOUN
fsr-4141	164	10	data	datum	NOUN
fsr-4141	164	11	spanning	span	VERB
fsr-4141	164	12	the	the	DET
fsr-4141	164	13	years	year	NOUN
fsr-4141	164	14	2014	2014	NUM
fsr-4141	164	15	,	,	PUNCT
fsr-4141	164	16	2017	2017	NUM
fsr-4141	164	17	,	,	PUNCT
fsr-4141	164	18	and	and	CCONJ
fsr-4141	164	19	2021	2021	NUM
fsr-4141	164	20	,	,	PUNCT
fsr-4141	164	21	sourced	source	VERB
fsr-4141	164	22	from	from	ADP
fsr-4141	164	23	the	the	DET
fsr-4141	164	24	global	global	ADJ
fsr-4141	164	25	findex	findex	NOUN
fsr-4141	164	26	(	(	PUNCT
fsr-4141	164	27	demirgüç	demirgüç	PROPN
fsr-4141	164	28	-	-	PUNCT
fsr-4141	164	29	kunt	kunt	PROPN
fsr-4141	164	30	et	et	PROPN
fsr-4141	164	31	al	al	PROPN
fsr-4141	164	32	.	.	PROPN
fsr-4141	164	33	,	,	PUNCT
fsr-4141	164	34	2022	2022	NUM
fsr-4141	164	35	)	)	PUNCT
fsr-4141	164	36	and	and	CCONJ
fsr-4141	164	37	eurostat	eurostat	PROPN
fsr-4141	164	38	(	(	PUNCT
fsr-4141	164	39	n.d	n.d	PROPN
fsr-4141	164	40	.	.	PROPN
fsr-4141	164	41	)	)	PUNCT
fsr-4141	164	42	databases	database	NOUN
fsr-4141	164	43	.	.	PUNCT
fsr-4141	165	1	the	the	DET
fsr-4141	165	2	dataset	dataset	NOUN
fsr-4141	165	3	encompasses	encompass	VERB
fsr-4141	165	4	all	all	DET
fsr-4141	165	5	eu	eu	PROPN
fsr-4141	165	6	member	member	NOUN
fsr-4141	165	7	states	state	NOUN
fsr-4141	165	8	,	,	PUNCT
fsr-4141	165	9	excluding	exclude	VERB
fsr-4141	165	10	luxembourg	luxembourg	PROPN
fsr-4141	165	11	,	,	PUNCT
fsr-4141	165	12	slovenia	slovenia	PROPN
fsr-4141	165	13	,	,	PUNCT
fsr-4141	165	14	and	and	CCONJ
fsr-4141	165	15	the	the	DET
fsr-4141	165	16	slovak	slovak	ADJ
fsr-4141	165	17	republic	republic	NOUN
fsr-4141	165	18	.	.	PUNCT
fsr-4141	166	1	by	by	ADP
fsr-4141	166	2	including	include	VERB
fsr-4141	166	3	the	the	DET
fsr-4141	166	4	credit	credit	NOUN
fsr-4141	166	5	variable	variable	NOUN
fsr-4141	166	6	,	,	PUNCT
fsr-4141	166	7	we	we	PRON
fsr-4141	166	8	lost	lose	VERB
fsr-4141	166	9	three	three	NUM
fsr-4141	166	10	observations	observation	NOUN
fsr-4141	166	11	due	due	ADP
fsr-4141	166	12	to	to	ADP
fsr-4141	166	13	the	the	DET
fsr-4141	166	14	absence	absence	NOUN
fsr-4141	166	15	of	of	ADP
fsr-4141	166	16	data	datum	NOUN
fsr-4141	166	17	for	for	ADP
fsr-4141	166	18	france	france	PROPN
fsr-4141	166	19	.	.	PUNCT
fsr-4141	167	1	note	note	NOUN
fsr-4141	167	2	:	:	PUNCT
fsr-4141	168	1	*	*	PUNCT
fsr-4141	168	2	*	*	PUNCT
fsr-4141	168	3	*	*	PUNCT
fsr-4141	168	4	,	,	PUNCT
fsr-4141	168	5	*	*	PUNCT
fsr-4141	168	6	*	*	PUNCT
fsr-4141	168	7	,	,	PUNCT
fsr-4141	168	8	and	and	CCONJ
fsr-4141	168	9	*	*	PUNCT
fsr-4141	168	10	denote	denote	VERB
fsr-4141	168	11	the	the	DET
fsr-4141	168	12	1	1	NUM
fsr-4141	168	13	%	%	NOUN
fsr-4141	168	14	,	,	PUNCT
fsr-4141	168	15	5	5	NUM
fsr-4141	168	16	%	%	NOUN
fsr-4141	168	17	,	,	PUNCT
fsr-4141	168	18	and	and	CCONJ
fsr-4141	168	19	10	10	NUM
fsr-4141	168	20	%	%	NOUN
fsr-4141	168	21	significance	significance	NOUN
fsr-4141	168	22	levels	level	NOUN
fsr-4141	168	23	,	,	PUNCT
fsr-4141	168	24	respectively	respectively	ADV
fsr-4141	168	25	.	.	PUNCT
fsr-4141	169	1	standard	standard	ADJ
fsr-4141	169	2	errors	error	NOUN
fsr-4141	169	3	are	be	AUX
fsr-4141	169	4	shown	show	VERB
fsr-4141	169	5	within	within	ADP
fsr-4141	169	6	parentheses	parenthesis	NOUN
fsr-4141	169	7	.	.	PUNCT
fsr-4141	170	1	for	for	ADP
fsr-4141	170	2	model	model	NOUN
fsr-4141	170	3	(	(	PUNCT
fsr-4141	170	4	1	1	NUM
fsr-4141	170	5	)	)	PUNCT
fsr-4141	170	6	,	,	PUNCT
fsr-4141	170	7	robust	robust	ADJ
fsr-4141	170	8	standard	standard	ADJ
fsr-4141	170	9	errors	error	NOUN
fsr-4141	170	10	are	be	AUX
fsr-4141	170	11	reported	report	VERB
fsr-4141	170	12	.	.	PUNCT
fsr-4141	171	1	the	the	DET
fsr-4141	171	2	debit	debit	NOUN
fsr-4141	171	3	and	and	CCONJ
fsr-4141	171	4	credit	credit	NOUN
fsr-4141	171	5	variables	variable	NOUN
fsr-4141	171	6	are	be	AUX
fsr-4141	171	7	standardized	standardize	VERB
fsr-4141	171	8	by	by	ADP
fsr-4141	171	9	subtracting	subtract	VERB
fsr-4141	171	10	their	their	PRON
fsr-4141	171	11	means	mean	NOUN
fsr-4141	171	12	and	and	CCONJ
fsr-4141	171	13	dividing	divide	VERB
fsr-4141	171	14	by	by	ADP
fsr-4141	171	15	their	their	PRON
fsr-4141	171	16	standard	standard	ADJ
fsr-4141	171	17	deviations	deviation	NOUN
fsr-4141	171	18	to	to	PART
fsr-4141	171	19	ensure	ensure	VERB
fsr-4141	171	20	comparability	comparability	NOUN
fsr-4141	171	21	with	with	ADP
fsr-4141	171	22	other	other	ADJ
fsr-4141	171	23	variables	variable	NOUN
fsr-4141	171	24	measured	measure	VERB
fsr-4141	171	25	in	in	ADP
fsr-4141	171	26	percentages	percentage	NOUN
fsr-4141	171	27	.	.	PUNCT
fsr-4141	172	1	conclusion	conclusion	NOUN
fsr-4141	172	2	,	,	PUNCT
fsr-4141	172	3	policy	policy	NOUN
fsr-4141	172	4	recommendations	recommendation	NOUN
fsr-4141	172	5	,	,	PUNCT
fsr-4141	172	6	and	and	CCONJ
fsr-4141	172	7	suggestions	suggestion	NOUN
fsr-4141	172	8	for	for	ADP
fsr-4141	172	9	future	future	ADJ
fsr-4141	172	10	research	research	NOUN
fsr-4141	172	11	households	household	NOUN
fsr-4141	172	12	may	may	AUX
fsr-4141	172	13	depend	depend	VERB
fsr-4141	172	14	on	on	ADP
fsr-4141	172	15	informal	informal	ADJ
fsr-4141	172	16	borrowing	borrowing	NOUN
fsr-4141	172	17	due	due	ADP
fsr-4141	172	18	to	to	ADP
fsr-4141	172	19	a	a	DET
fsr-4141	172	20	low	low	ADJ
fsr-4141	172	21	level	level	NOUN
fsr-4141	172	22	of	of	ADP
fsr-4141	172	23	financial	financial	ADJ
fsr-4141	172	24	resilience	resilience	NOUN
fsr-4141	172	25	(	(	PUNCT
fsr-4141	172	26	lusardi	lusardi	PROPN
fsr-4141	172	27	et	et	PROPN
fsr-4141	172	28	al	al	PROPN
fsr-4141	172	29	.	.	PROPN
fsr-4141	172	30	,	,	PUNCT
fsr-4141	172	31	2021	2021	NUM
fsr-4141	172	32	)	)	PUNCT
fsr-4141	172	33	,	,	PUNCT
fsr-4141	172	34	including	include	VERB
fsr-4141	172	35	inadequate	inadequate	ADJ
fsr-4141	172	36	safety	safety	NOUN
fsr-4141	172	37	nets	net	NOUN
fsr-4141	172	38	.	.	PUNCT
fsr-4141	173	1	nevertheless	nevertheless	ADV
fsr-4141	173	2	,	,	PUNCT
fsr-4141	173	3	such	such	ADJ
fsr-4141	173	4	behavior	behavior	NOUN
fsr-4141	173	5	can	can	AUX
fsr-4141	173	6	lead	lead	VERB
fsr-4141	173	7	to	to	ADP
fsr-4141	173	8	serious	serious	ADJ
fsr-4141	173	9	financial	financial	ADJ
fsr-4141	173	10	problems	problem	NOUN
fsr-4141	173	11	and	and	CCONJ
fsr-4141	173	12	personal	personal	ADJ
fsr-4141	173	13	conflicts	conflict	NOUN
fsr-4141	173	14	(	(	PUNCT
fsr-4141	173	15	karaivanov	karaivanov	PROPN
fsr-4141	173	16	&	&	CCONJ
fsr-4141	173	17	kessler	kessler	PROPN
fsr-4141	173	18	,	,	PUNCT
fsr-4141	173	19	2018	2018	NUM
fsr-4141	173	20	)	)	PUNCT
fsr-4141	173	21	.	.	PUNCT
fsr-4141	174	1	applying	apply	VERB
fsr-4141	174	2	the	the	DET
fsr-4141	174	3	selfcontrol	selfcontrol	NOUN
fsr-4141	174	4	theory	theory	NOUN
fsr-4141	174	5	and	and	CCONJ
fsr-4141	174	6	using	use	VERB
fsr-4141	174	7	balanced	balanced	ADJ
fsr-4141	174	8	panel	panel	NOUN
fsr-4141	174	9	data	datum	NOUN
fsr-4141	174	10	from	from	ADP
fsr-4141	174	11	2014	2014	NUM
fsr-4141	174	12	,	,	PUNCT
fsr-4141	174	13	2017	2017	NUM
fsr-4141	174	14	,	,	PUNCT
fsr-4141	174	15	and	and	CCONJ
fsr-4141	174	16	2021	2021	NUM
fsr-4141	174	17	,	,	PUNCT
fsr-4141	174	18	this	this	DET
fsr-4141	174	19	study	study	NOUN
fsr-4141	174	20	focuses	focus	VERB
fsr-4141	174	21	on	on	ADP
fsr-4141	174	22	various	various	ADJ
fsr-4141	174	23	factors	factor	NOUN
fsr-4141	174	24	that	that	PRON
fsr-4141	174	25	can	can	AUX
fsr-4141	174	26	affect	affect	VERB
fsr-4141	174	27	the	the	DET
fsr-4141	174	28	behavior	behavior	NOUN
fsr-4141	174	29	of	of	ADP
fsr-4141	174	30	borrowing	borrowing	NOUN
fsr-4141	174	31	from	from	ADP
fsr-4141	174	32	family	family	NOUN
fsr-4141	174	33	and	and	CCONJ
fsr-4141	174	34	friends	friend	NOUN
fsr-4141	174	35	and	and	CCONJ
fsr-4141	174	36	underscores	underscore	VERB
fsr-4141	174	37	the	the	DET
fsr-4141	174	38	pivotal	pivotal	ADJ
fsr-4141	174	39	role	role	NOUN
fsr-4141	174	40	of	of	ADP
fsr-4141	174	41	debit	debit	NOUN
fsr-4141	174	42	card	card	NOUN
fsr-4141	174	43	use	use	NOUN
fsr-4141	174	44	and	and	CCONJ
fsr-4141	174	45	saving	save	VERB
fsr-4141	174	46	behavior	behavior	NOUN
fsr-4141	174	47	in	in	ADP
fsr-4141	174	48	reducing	reduce	VERB
fsr-4141	174	49	the	the	DET
fsr-4141	174	50	tendency	tendency	NOUN
fsr-4141	174	51	for	for	ADP
fsr-4141	174	52	such	such	ADJ
fsr-4141	174	53	borrowing	borrowing	NOUN
fsr-4141	174	54	.	.	PUNCT
fsr-4141	175	1	despite	despite	SCONJ
fsr-4141	175	2	the	the	DET
fsr-4141	175	3	development	development	NOUN
fsr-4141	175	4	of	of	ADP
fsr-4141	175	5	many	many	ADJ
fsr-4141	175	6	advanced	advanced	ADJ
fsr-4141	175	7	fintech	fintech	NOUN
fsr-4141	175	8	payment	payment	NOUN
fsr-4141	175	9	tools	tool	NOUN
fsr-4141	175	10	,	,	PUNCT
fsr-4141	175	11	debit	debit	NOUN
fsr-4141	175	12	cards	card	NOUN
fsr-4141	175	13	are	be	AUX
fsr-4141	175	14	still	still	ADV
fsr-4141	175	15	popular	popular	ADJ
fsr-4141	175	16	.	.	PUNCT
fsr-4141	176	1	according	accord	VERB
fsr-4141	176	2	to	to	ADP
fsr-4141	176	3	the	the	DET
fsr-4141	176	4	european	european	PROPN
fsr-4141	176	5	central	central	PROPN
fsr-4141	176	6	bank	bank	PROPN
fsr-4141	176	7	(	(	PUNCT
fsr-4141	176	8	2024	2024	NUM
fsr-4141	176	9	)	)	PUNCT
fsr-4141	176	10	,	,	PUNCT
fsr-4141	176	11	card	card	NOUN
fsr-4141	176	12	payments	payment	NOUN
fsr-4141	176	13	accounted	account	VERB
fsr-4141	176	14	for	for	ADP
fsr-4141	176	15	54	54	NUM
fsr-4141	176	16	%	%	NOUN
fsr-4141	176	17	of	of	ADP
fsr-4141	176	18	all	all	DET
fsr-4141	176	19	non	non	ADJ
fsr-4141	176	20	-	-	ADJ
fsr-4141	176	21	cash	cash	ADJ
fsr-4141	176	22	transactions	transaction	NOUN
fsr-4141	176	23	in	in	ADP
fsr-4141	176	24	the	the	DET
fsr-4141	176	25	first	first	ADJ
fsr-4141	176	26	half	half	NOUN
fsr-4141	176	27	of	of	ADP
fsr-4141	176	28	2023	2023	NUM
fsr-4141	176	29	.	.	PUNCT
fsr-4141	177	1	this	this	DET
fsr-4141	177	2	highlights	highlight	VERB
fsr-4141	177	3	the	the	DET
fsr-4141	177	4	widespread	widespread	ADJ
fsr-4141	177	5	use	use	NOUN
fsr-4141	177	6	of	of	ADP
fsr-4141	177	7	debit	debit	NOUN
fsr-4141	177	8	and	and	CCONJ
fsr-4141	177	9	credit	credit	NOUN
fsr-4141	177	10	cards	card	NOUN
fsr-4141	177	11	in	in	ADP
fsr-4141	177	12	the	the	DET
fsr-4141	177	13	eu	eu	PROPN
fsr-4141	177	14	.	.	PROPN
fsr-4141	178	1	moreover	moreover	ADV
fsr-4141	178	2	,	,	PUNCT
fsr-4141	178	3	many	many	ADJ
fsr-4141	178	4	diab	diab	PROPN
fsr-4141	178	5	et	et	PROPN
fsr-4141	178	6	al	al	PROPN
fsr-4141	178	7	.	.	PROPN
fsr-4141	178	8	57	57	NUM
fsr-4141	178	9	contemporary	contemporary	ADJ
fsr-4141	178	10	fintech	fintech	NOUN
fsr-4141	178	11	solutions	solution	NOUN
fsr-4141	178	12	such	such	ADJ
fsr-4141	178	13	as	as	ADP
fsr-4141	178	14	mobile	mobile	ADJ
fsr-4141	178	15	wallets	wallet	NOUN
fsr-4141	178	16	require	require	VERB
fsr-4141	178	17	that	that	SCONJ
fsr-4141	178	18	account	account	NOUN
fsr-4141	178	19	holders	holder	NOUN
fsr-4141	178	20	charge	charge	VERB
fsr-4141	178	21	their	their	PRON
fsr-4141	178	22	accounts	account	NOUN
fsr-4141	178	23	by	by	ADP
fsr-4141	178	24	transferring	transfer	VERB
fsr-4141	178	25	money	money	NOUN
fsr-4141	178	26	via	via	ADP
fsr-4141	178	27	debit	debit	NOUN
fsr-4141	178	28	cards	card	NOUN
fsr-4141	178	29	.	.	PUNCT
fsr-4141	179	1	due	due	ADP
fsr-4141	179	2	to	to	ADP
fsr-4141	179	3	the	the	DET
fsr-4141	179	4	functionality	functionality	NOUN
fsr-4141	179	5	of	of	ADP
fsr-4141	179	6	debit	debit	NOUN
fsr-4141	179	7	cards	card	NOUN
fsr-4141	179	8	(	(	PUNCT
fsr-4141	179	9	which	which	PRON
fsr-4141	179	10	do	do	AUX
fsr-4141	179	11	not	not	PART
fsr-4141	179	12	allow	allow	VERB
fsr-4141	179	13	holders	holder	NOUN
fsr-4141	179	14	to	to	PART
fsr-4141	179	15	spend	spend	VERB
fsr-4141	179	16	more	more	ADJ
fsr-4141	179	17	than	than	ADP
fsr-4141	179	18	the	the	DET
fsr-4141	179	19	money	money	NOUN
fsr-4141	179	20	they	they	PRON
fsr-4141	179	21	actually	actually	ADV
fsr-4141	179	22	possess	possess	VERB
fsr-4141	179	23	)	)	PUNCT
fsr-4141	179	24	,	,	PUNCT
fsr-4141	179	25	households	household	NOUN
fsr-4141	179	26	can	can	AUX
fsr-4141	179	27	control	control	VERB
fsr-4141	179	28	their	their	PRON
fsr-4141	179	29	spending	spending	NOUN
fsr-4141	179	30	.	.	PUNCT
fsr-4141	180	1	the	the	DET
fsr-4141	180	2	work	work	NOUN
fsr-4141	180	3	of	of	ADP
fsr-4141	180	4	bachas	bachas	PROPN
fsr-4141	180	5	et	et	PROPN
fsr-4141	180	6	al	al	PROPN
fsr-4141	180	7	.	.	PROPN
fsr-4141	180	8	(	(	PUNCT
fsr-4141	180	9	2021	2021	NUM
fsr-4141	180	10	)	)	PUNCT
fsr-4141	180	11	,	,	PUNCT
fsr-4141	180	12	which	which	PRON
fsr-4141	180	13	emphasizes	emphasize	VERB
fsr-4141	180	14	the	the	DET
fsr-4141	180	15	positive	positive	ADJ
fsr-4141	180	16	effect	effect	NOUN
fsr-4141	180	17	of	of	ADP
fsr-4141	180	18	using	use	VERB
fsr-4141	180	19	debit	debit	NOUN
fsr-4141	180	20	cards	card	NOUN
fsr-4141	180	21	in	in	ADP
fsr-4141	180	22	increasing	increase	VERB
fsr-4141	180	23	overall	overall	ADJ
fsr-4141	180	24	saving	saving	NOUN
fsr-4141	180	25	and	and	CCONJ
fsr-4141	180	26	controlling	control	VERB
fsr-4141	180	27	consumption	consumption	NOUN
fsr-4141	180	28	,	,	PUNCT
fsr-4141	180	29	can	can	AUX
fsr-4141	180	30	shed	shed	VERB
fsr-4141	180	31	light	light	NOUN
fsr-4141	180	32	on	on	ADP
fsr-4141	180	33	the	the	DET
fsr-4141	180	34	present	present	ADJ
fsr-4141	180	35	findings	finding	NOUN
fsr-4141	180	36	.	.	PUNCT
fsr-4141	181	1	therefore	therefore	ADV
fsr-4141	181	2	,	,	PUNCT
fsr-4141	181	3	we	we	PRON
fsr-4141	181	4	conjecture	conjecture	VERB
fsr-4141	181	5	that	that	SCONJ
fsr-4141	181	6	the	the	DET
fsr-4141	181	7	use	use	NOUN
fsr-4141	181	8	of	of	ADP
fsr-4141	181	9	debit	debit	NOUN
fsr-4141	181	10	cards	card	NOUN
fsr-4141	181	11	could	could	AUX
fsr-4141	181	12	improve	improve	VERB
fsr-4141	181	13	households	household	NOUN
fsr-4141	181	14	’	'	PUNCT
fsr-4141	181	15	financial	financial	ADJ
fsr-4141	181	16	resilience	resilience	NOUN
fsr-4141	181	17	and	and	CCONJ
fsr-4141	181	18	their	their	PRON
fsr-4141	181	19	capability	capability	NOUN
fsr-4141	181	20	to	to	PART
fsr-4141	181	21	deal	deal	VERB
fsr-4141	181	22	with	with	ADP
fsr-4141	181	23	unexpected	unexpected	ADJ
fsr-4141	181	24	financial	financial	ADJ
fsr-4141	181	25	shocks	shock	NOUN
fsr-4141	181	26	.	.	PUNCT
fsr-4141	182	1	policymakers	policymaker	NOUN
fsr-4141	182	2	should	should	AUX
fsr-4141	182	3	therefore	therefore	ADV
fsr-4141	182	4	promote	promote	VERB
fsr-4141	182	5	the	the	DET
fsr-4141	182	6	adoption	adoption	NOUN
fsr-4141	182	7	and	and	CCONJ
fsr-4141	182	8	usage	usage	NOUN
fsr-4141	182	9	of	of	ADP
fsr-4141	182	10	debit	debit	NOUN
fsr-4141	182	11	cards	card	NOUN
fsr-4141	182	12	over	over	ADP
fsr-4141	182	13	credit	credit	NOUN
fsr-4141	182	14	cards	card	NOUN
fsr-4141	182	15	due	due	ADP
fsr-4141	182	16	to	to	ADP
fsr-4141	182	17	the	the	DET
fsr-4141	182	18	role	role	NOUN
fsr-4141	182	19	the	the	DET
fsr-4141	182	20	former	former	NOUN
fsr-4141	182	21	has	have	VERB
fsr-4141	182	22	in	in	ADP
fsr-4141	182	23	decreasing	decrease	VERB
fsr-4141	182	24	informal	informal	ADJ
fsr-4141	182	25	borrowing	borrowing	NOUN
fsr-4141	182	26	.	.	PUNCT
fsr-4141	183	1	policymakers	policymaker	NOUN
fsr-4141	183	2	should	should	AUX
fsr-4141	183	3	also	also	ADV
fsr-4141	183	4	raise	raise	VERB
fsr-4141	183	5	awareness	awareness	NOUN
fsr-4141	183	6	of	of	ADP
fsr-4141	183	7	the	the	DET
fsr-4141	183	8	benefits	benefit	NOUN
fsr-4141	183	9	of	of	ADP
fsr-4141	183	10	formal	formal	ADJ
fsr-4141	183	11	borrowing	borrowing	NOUN
fsr-4141	183	12	such	such	ADJ
fsr-4141	183	13	as	as	ADP
fsr-4141	183	14	consumer	consumer	NOUN
fsr-4141	183	15	protections	protection	NOUN
fsr-4141	183	16	,	,	PUNCT
fsr-4141	183	17	ensure	ensure	VERB
fsr-4141	183	18	the	the	DET
fsr-4141	183	19	availability	availability	NOUN
fsr-4141	183	20	of	of	ADP
fsr-4141	183	21	affordable	affordable	ADJ
fsr-4141	183	22	formal	formal	ADJ
fsr-4141	183	23	borrowing	borrowing	NOUN
fsr-4141	183	24	options	option	NOUN
fsr-4141	183	25	for	for	ADP
fsr-4141	183	26	low	low	ADJ
fsr-4141	183	27	-	-	PUNCT
fsr-4141	183	28	income	income	NOUN
fsr-4141	183	29	households	household	NOUN
fsr-4141	183	30	,	,	PUNCT
fsr-4141	183	31	promote	promote	VERB
fsr-4141	183	32	access	access	NOUN
fsr-4141	183	33	to	to	ADP
fsr-4141	183	34	bank	bank	NOUN
fsr-4141	183	35	loans	loan	NOUN
fsr-4141	183	36	and	and	CCONJ
fsr-4141	183	37	microfinance	microfinance	NOUN
fsr-4141	183	38	,	,	PUNCT
fsr-4141	183	39	and	and	CCONJ
fsr-4141	183	40	strengthen	strengthen	VERB
fsr-4141	183	41	social	social	ADJ
fsr-4141	183	42	safety	safety	NOUN
fsr-4141	183	43	nets	net	NOUN
fsr-4141	183	44	to	to	PART
fsr-4141	183	45	act	act	VERB
fsr-4141	183	46	as	as	ADP
fsr-4141	183	47	a	a	DET
fsr-4141	183	48	buffer	buffer	NOUN
fsr-4141	183	49	against	against	ADP
fsr-4141	183	50	financial	financial	ADJ
fsr-4141	183	51	shocks	shock	NOUN
fsr-4141	183	52	and	and	CCONJ
fsr-4141	183	53	hardships	hardship	NOUN
fsr-4141	183	54	.	.	PUNCT
fsr-4141	184	1	in	in	ADP
fsr-4141	184	2	such	such	DET
fsr-4141	184	3	a	a	DET
fsr-4141	184	4	financial	financial	ADJ
fsr-4141	184	5	landscape	landscape	NOUN
fsr-4141	184	6	,	,	PUNCT
fsr-4141	184	7	financial	financial	ADJ
fsr-4141	184	8	robo	robo	NOUN
fsr-4141	184	9	-	-	PUNCT
fsr-4141	184	10	advisors	advisor	NOUN
fsr-4141	184	11	are	be	AUX
fsr-4141	184	12	promising	promise	VERB
fsr-4141	184	13	technology	technology	NOUN
fsr-4141	184	14	tools	tool	NOUN
fsr-4141	184	15	because	because	SCONJ
fsr-4141	184	16	they	they	PRON
fsr-4141	184	17	can	can	AUX
fsr-4141	184	18	help	help	VERB
fsr-4141	184	19	households	household	NOUN
fsr-4141	184	20	conduct	conduct	VERB
fsr-4141	184	21	sound	sound	ADJ
fsr-4141	184	22	financial	financial	ADJ
fsr-4141	184	23	management	management	NOUN
fsr-4141	184	24	at	at	ADP
fsr-4141	184	25	a	a	DET
fsr-4141	184	26	reasonable	reasonable	ADJ
fsr-4141	184	27	cost	cost	NOUN
fsr-4141	184	28	and	and	CCONJ
fsr-4141	184	29	without	without	ADP
fsr-4141	184	30	time	time	NOUN
fsr-4141	184	31	or	or	CCONJ
fsr-4141	184	32	place	place	NOUN
fsr-4141	184	33	constraints	constraint	NOUN
fsr-4141	184	34	(	(	PUNCT
fsr-4141	184	35	d’acunto	d’acunto	NOUN
fsr-4141	184	36	&	&	CCONJ
fsr-4141	184	37	rossi	rossi	ADJ
fsr-4141	184	38	,	,	PUNCT
fsr-4141	184	39	2023	2023	NUM
fsr-4141	184	40	)	)	PUNCT
fsr-4141	184	41	.	.	PUNCT
fsr-4141	185	1	the	the	DET
fsr-4141	185	2	finding	finding	NOUN
fsr-4141	185	3	related	relate	VERB
fsr-4141	185	4	to	to	ADP
fsr-4141	185	5	the	the	DET
fsr-4141	185	6	role	role	NOUN
fsr-4141	185	7	of	of	ADP
fsr-4141	185	8	savings	saving	NOUN
fsr-4141	185	9	in	in	ADP
fsr-4141	185	10	reducing	reduce	VERB
fsr-4141	185	11	informal	informal	ADJ
fsr-4141	185	12	borrowing	borrowing	NOUN
fsr-4141	185	13	aligns	align	VERB
fsr-4141	185	14	with	with	ADP
fsr-4141	185	15	arguments	argument	NOUN
fsr-4141	185	16	presented	present	VERB
fsr-4141	185	17	by	by	ADP
fsr-4141	185	18	,	,	PUNCT
fsr-4141	185	19	for	for	ADP
fsr-4141	185	20	example	example	NOUN
fsr-4141	185	21	,	,	PUNCT
fsr-4141	185	22	browning	browning	NOUN
fsr-4141	185	23	and	and	CCONJ
fsr-4141	185	24	lusardi	lusardi	PROPN
fsr-4141	185	25	(	(	PUNCT
fsr-4141	185	26	1996	1996	NUM
fsr-4141	185	27	)	)	PUNCT
fsr-4141	185	28	,	,	PUNCT
fsr-4141	185	29	tufano	tufano	ADJ
fsr-4141	185	30	(	(	PUNCT
fsr-4141	185	31	2009	2009	NUM
fsr-4141	185	32	)	)	PUNCT
fsr-4141	185	33	,	,	PUNCT
fsr-4141	185	34	and	and	CCONJ
fsr-4141	185	35	despard	despard	ADJ
fsr-4141	185	36	et	et	PROPN
fsr-4141	185	37	al	al	PROPN
fsr-4141	185	38	.	.	PROPN
fsr-4141	186	1	(	(	PUNCT
fsr-4141	186	2	2020	2020	NUM
fsr-4141	186	3	)	)	PUNCT
fsr-4141	186	4	.	.	PUNCT
fsr-4141	187	1	they	they	PRON
fsr-4141	187	2	have	have	AUX
fsr-4141	187	3	argued	argue	VERB
fsr-4141	187	4	that	that	SCONJ
fsr-4141	187	5	a	a	DET
fsr-4141	187	6	reason	reason	NOUN
fsr-4141	187	7	for	for	ADP
fsr-4141	187	8	saving	save	VERB
fsr-4141	187	9	and	and	CCONJ
fsr-4141	187	10	establishing	establish	VERB
fsr-4141	187	11	emergency	emergency	NOUN
fsr-4141	187	12	funds	fund	NOUN
fsr-4141	187	13	is	be	AUX
fsr-4141	187	14	to	to	PART
fsr-4141	187	15	mitigate	mitigate	VERB
fsr-4141	187	16	unexpected	unexpected	ADJ
fsr-4141	187	17	events	event	NOUN
fsr-4141	187	18	,	,	PUNCT
fsr-4141	187	19	emphasized	emphasize	VERB
fsr-4141	187	20	the	the	DET
fsr-4141	187	21	importance	importance	NOUN
fsr-4141	187	22	of	of	ADP
fsr-4141	187	23	the	the	DET
fsr-4141	187	24	precautionary	precautionary	ADJ
fsr-4141	187	25	principle	principle	NOUN
fsr-4141	187	26	in	in	ADP
fsr-4141	187	27	dealing	deal	VERB
fsr-4141	187	28	with	with	ADP
fsr-4141	187	29	contingencies	contingency	NOUN
fsr-4141	187	30	,	,	PUNCT
fsr-4141	187	31	and	and	CCONJ
fsr-4141	187	32	suggested	suggest	VERB
fsr-4141	187	33	that	that	SCONJ
fsr-4141	187	34	saving	saving	NOUN
fsr-4141	187	35	and	and	CCONJ
fsr-4141	187	36	sound	sound	ADJ
fsr-4141	187	37	financial	financial	ADJ
fsr-4141	187	38	management	management	NOUN
fsr-4141	187	39	can	can	AUX
fsr-4141	187	40	successfully	successfully	ADV
fsr-4141	187	41	stimulate	stimulate	VERB
fsr-4141	187	42	the	the	DET
fsr-4141	187	43	investing	investing	NOUN
fsr-4141	187	44	of	of	ADP
fsr-4141	187	45	money	money	NOUN
fsr-4141	187	46	.	.	PUNCT
fsr-4141	188	1	this	this	DET
fsr-4141	188	2	study	study	NOUN
fsr-4141	188	3	identifies	identify	VERB
fsr-4141	188	4	a	a	DET
fsr-4141	188	5	significant	significant	ADJ
fsr-4141	188	6	effect	effect	NOUN
fsr-4141	188	7	of	of	ADP
fsr-4141	188	8	saving	save	VERB
fsr-4141	188	9	behavior	behavior	NOUN
fsr-4141	188	10	in	in	ADP
fsr-4141	188	11	addressing	address	VERB
fsr-4141	188	12	undesirable	undesirable	ADJ
fsr-4141	188	13	informal	informal	ADJ
fsr-4141	188	14	borrowing	borrowing	NOUN
fsr-4141	188	15	.	.	PUNCT
fsr-4141	189	1	however	however	ADV
fsr-4141	189	2	,	,	PUNCT
fsr-4141	189	3	it	it	PRON
fsr-4141	189	4	is	be	AUX
fsr-4141	189	5	essential	essential	ADJ
fsr-4141	189	6	to	to	PART
fsr-4141	189	7	go	go	VERB
fsr-4141	189	8	one	one	NUM
fsr-4141	189	9	step	step	NOUN
fsr-4141	189	10	further	far	ADV
fsr-4141	189	11	and	and	CCONJ
fsr-4141	189	12	investigate	investigate	VERB
fsr-4141	189	13	what	what	DET
fsr-4141	189	14	factors	factor	NOUN
fsr-4141	189	15	can	can	AUX
fsr-4141	189	16	prompt	prompt	VERB
fsr-4141	189	17	saving	saving	NOUN
fsr-4141	189	18	behavior	behavior	NOUN
fsr-4141	189	19	,	,	PUNCT
fsr-4141	189	20	particularly	particularly	ADV
fsr-4141	189	21	among	among	ADP
fsr-4141	189	22	low	low	ADJ
fsr-4141	189	23	-	-	PUNCT
fsr-4141	189	24	income	income	NOUN
fsr-4141	189	25	households	household	NOUN
fsr-4141	189	26	.	.	PUNCT
fsr-4141	190	1	also	also	ADV
fsr-4141	190	2	,	,	PUNCT
fsr-4141	190	3	when	when	SCONJ
fsr-4141	190	4	focusing	focus	VERB
fsr-4141	190	5	on	on	ADP
fsr-4141	190	6	saving	save	VERB
fsr-4141	190	7	behavior	behavior	NOUN
fsr-4141	190	8	,	,	PUNCT
fsr-4141	190	9	financial	financial	ADJ
fsr-4141	190	10	robo	robo	NOUN
fsr-4141	190	11	-	-	PUNCT
fsr-4141	190	12	advisors	advisor	NOUN
fsr-4141	190	13	can	can	AUX
fsr-4141	190	14	be	be	AUX
fsr-4141	190	15	useful	useful	ADJ
fsr-4141	190	16	for	for	ADP
fsr-4141	190	17	households	household	NOUN
fsr-4141	190	18	(	(	PUNCT
fsr-4141	190	19	nourallah	nourallah	PROPN
fsr-4141	190	20	et	et	PROPN
fsr-4141	190	21	al	al	PROPN
fsr-4141	190	22	.	.	PROPN
fsr-4141	190	23	,	,	PUNCT
fsr-4141	190	24	2023	2023	NUM
fsr-4141	190	25	)	)	PUNCT
fsr-4141	190	26	.	.	PUNCT
fsr-4141	191	1	we	we	PRON
fsr-4141	191	2	also	also	ADV
fsr-4141	191	3	encourage	encourage	VERB
fsr-4141	191	4	future	future	ADJ
fsr-4141	191	5	research	research	NOUN
fsr-4141	191	6	to	to	PART
fsr-4141	191	7	explore	explore	VERB
fsr-4141	191	8	interventions	intervention	NOUN
fsr-4141	191	9	to	to	PART
fsr-4141	191	10	enhance	enhance	VERB
fsr-4141	191	11	financial	financial	ADJ
fsr-4141	191	12	decisionmaking	decisionmaking	NOUN
fsr-4141	191	13	and	and	CCONJ
fsr-4141	191	14	sustainable	sustainable	ADJ
fsr-4141	191	15	saving	saving	NOUN
fsr-4141	191	16	practices	practice	NOUN
fsr-4141	191	17	and	and	CCONJ
fsr-4141	191	18	consider	consider	VERB
fsr-4141	191	19	how	how	SCONJ
fsr-4141	191	20	to	to	PART
fsr-4141	191	21	improve	improve	VERB
fsr-4141	191	22	financial	financial	ADJ
fsr-4141	191	23	well	well	NOUN
fsr-4141	191	24	-	-	PUNCT
fsr-4141	191	25	being	being	NOUN
fsr-4141	191	26	across	across	ADP
fsr-4141	191	27	diverse	diverse	ADJ
fsr-4141	191	28	socioeconomic	socioeconomic	ADJ
fsr-4141	191	29	contexts	contexts	NOUN
fsr-4141	191	30	.	.	PUNCT
fsr-4141	192	1	to	to	PART
fsr-4141	192	2	address	address	VERB
fsr-4141	192	3	the	the	DET
fsr-4141	192	4	potential	potential	ADJ
fsr-4141	192	5	impact	impact	NOUN
fsr-4141	192	6	of	of	ADP
fsr-4141	192	7	general	general	ADJ
fsr-4141	192	8	knowledge	knowledge	NOUN
fsr-4141	192	9	on	on	ADP
fsr-4141	192	10	borrowing	borrowing	NOUN
fsr-4141	192	11	behavior	behavior	NOUN
fsr-4141	192	12	,	,	PUNCT
fsr-4141	192	13	this	this	DET
fsr-4141	192	14	study	study	NOUN
fsr-4141	192	15	utilizes	utilize	VERB
fsr-4141	192	16	a	a	DET
fsr-4141	192	17	measure	measure	NOUN
fsr-4141	192	18	based	base	VERB
fsr-4141	192	19	on	on	ADP
fsr-4141	192	20	the	the	DET
fsr-4141	192	21	percentage	percentage	NOUN
fsr-4141	192	22	of	of	ADP
fsr-4141	192	23	households	household	NOUN
fsr-4141	192	24	participating	participate	VERB
fsr-4141	192	25	in	in	ADP
fsr-4141	192	26	formal	formal	ADJ
fsr-4141	192	27	or	or	CCONJ
fsr-4141	192	28	non	non	ADJ
fsr-4141	192	29	-	-	ADJ
fsr-4141	192	30	formal	formal	ADJ
fsr-4141	192	31	education	education	NOUN
fsr-4141	192	32	or	or	CCONJ
fsr-4141	192	33	training	training	NOUN
fsr-4141	192	34	within	within	ADP
fsr-4141	192	35	the	the	DET
fsr-4141	192	36	last	last	ADJ
fsr-4141	192	37	12	12	NUM
fsr-4141	192	38	months	month	NOUN
fsr-4141	192	39	.	.	PUNCT
fsr-4141	193	1	the	the	DET
fsr-4141	193	2	results	result	NOUN
fsr-4141	193	3	reveal	reveal	VERB
fsr-4141	193	4	an	an	DET
fsr-4141	193	5	insignificant	insignificant	ADJ
fsr-4141	193	6	effect	effect	NOUN
fsr-4141	193	7	of	of	ADP
fsr-4141	193	8	education	education	NOUN
fsr-4141	193	9	on	on	ADP
fsr-4141	193	10	informal	informal	ADJ
fsr-4141	193	11	borrowing	borrowing	NOUN
fsr-4141	193	12	behavior	behavior	NOUN
fsr-4141	193	13	.	.	PUNCT
fsr-4141	194	1	this	this	PRON
fsr-4141	194	2	suggests	suggest	VERB
fsr-4141	194	3	that	that	SCONJ
fsr-4141	194	4	the	the	DET
fsr-4141	194	5	education	education	NOUN
fsr-4141	194	6	provided	provide	VERB
fsr-4141	194	7	to	to	ADP
fsr-4141	194	8	the	the	DET
fsr-4141	194	9	public	public	NOUN
fsr-4141	194	10	may	may	AUX
fsr-4141	194	11	not	not	PART
fsr-4141	194	12	effectively	effectively	ADV
fsr-4141	194	13	enhance	enhance	VERB
fsr-4141	194	14	households	household	NOUN
fsr-4141	194	15	’	'	PUNCT
fsr-4141	194	16	financial	financial	ADJ
fsr-4141	194	17	knowledge	knowledge	NOUN
fsr-4141	194	18	or	or	CCONJ
fsr-4141	194	19	address	address	VERB
fsr-4141	194	20	money	money	NOUN
fsr-4141	194	21	-	-	PUNCT
fsr-4141	194	22	related	relate	VERB
fsr-4141	194	23	issues	issue	NOUN
fsr-4141	194	24	.	.	PUNCT
fsr-4141	195	1	hence	hence	ADV
fsr-4141	195	2	,	,	PUNCT
fsr-4141	195	3	and	and	CCONJ
fsr-4141	195	4	in	in	ADP
fsr-4141	195	5	line	line	NOUN
fsr-4141	195	6	with	with	ADP
fsr-4141	195	7	lusardi	lusardi	PROPN
fsr-4141	195	8	et	et	PROPN
fsr-4141	195	9	al	al	PROPN
fsr-4141	195	10	.	.	PROPN
fsr-4141	196	1	(	(	PUNCT
fsr-4141	196	2	2021	2021	NUM
fsr-4141	196	3	)	)	PUNCT
fsr-4141	196	4	,	,	PUNCT
fsr-4141	196	5	we	we	PRON
fsr-4141	196	6	recommend	recommend	VERB
fsr-4141	196	7	improving	improve	VERB
fsr-4141	196	8	financial	financial	ADJ
fsr-4141	196	9	literacy	literacy	NOUN
fsr-4141	196	10	education	education	NOUN
fsr-4141	196	11	and	and	CCONJ
fsr-4141	196	12	embedding	embed	VERB
fsr-4141	196	13	more	more	ADJ
fsr-4141	196	14	financial	financial	ADJ
fsr-4141	196	15	knowledge	knowledge	NOUN
fsr-4141	196	16	into	into	ADP
fsr-4141	196	17	formal	formal	ADJ
fsr-4141	196	18	education	education	NOUN
fsr-4141	196	19	curricula	curricula	NOUN
fsr-4141	196	20	in	in	ADP
fsr-4141	196	21	order	order	NOUN
fsr-4141	196	22	to	to	PART
fsr-4141	196	23	focus	focus	VERB
fsr-4141	196	24	on	on	ADP
fsr-4141	196	25	money	money	NOUN
fsr-4141	196	26	management	management	NOUN
fsr-4141	196	27	skills	skill	NOUN
fsr-4141	196	28	such	such	ADJ
fsr-4141	196	29	as	as	ADP
fsr-4141	196	30	financial	financial	ADJ
fsr-4141	196	31	planning	planning	NOUN
fsr-4141	196	32	and	and	CCONJ
fsr-4141	196	33	debt	debt	NOUN
fsr-4141	196	34	management	management	NOUN
fsr-4141	196	35	.	.	PUNCT
fsr-4141	197	1	this	this	PRON
fsr-4141	197	2	would	would	AUX
fsr-4141	197	3	seem	seem	VERB
fsr-4141	197	4	to	to	PART
fsr-4141	197	5	be	be	AUX
fsr-4141	197	6	increasingly	increasingly	ADV
fsr-4141	197	7	important	important	ADJ
fsr-4141	197	8	,	,	PUNCT
fsr-4141	197	9	as	as	SCONJ
fsr-4141	197	10	the	the	DET
fsr-4141	197	11	search	search	NOUN
fsr-4141	197	12	for	for	ADP
fsr-4141	197	13	effective	effective	ADJ
fsr-4141	197	14	retirement	retirement	NOUN
fsr-4141	197	15	savings	saving	NOUN
fsr-4141	197	16	strategies	strategy	NOUN
fsr-4141	197	17	has	have	AUX
fsr-4141	197	18	more	more	ADV
fsr-4141	197	19	than	than	ADP
fsr-4141	197	20	doubled	double	VERB
fsr-4141	197	21	over	over	ADP
fsr-4141	197	22	the	the	DET
fsr-4141	197	23	past	past	ADJ
fsr-4141	197	24	two	two	NUM
fsr-4141	197	25	decades	decade	NOUN
fsr-4141	197	26	(	(	PUNCT
fsr-4141	197	27	lusardi	lusardi	PROPN
fsr-4141	197	28	&	&	CCONJ
fsr-4141	197	29	mitchell	mitchell	PROPN
fsr-4141	197	30	,	,	PUNCT
fsr-4141	197	31	2023	2023	NUM
fsr-4141	197	32	)	)	PUNCT
fsr-4141	197	33	.	.	PUNCT
fsr-4141	198	1	related	relate	VERB
fsr-4141	198	2	to	to	ADP
fsr-4141	198	3	this	this	PRON
fsr-4141	198	4	,	,	PUNCT
fsr-4141	198	5	we	we	PRON
fsr-4141	198	6	suggest	suggest	VERB
fsr-4141	198	7	future	future	ADJ
fsr-4141	198	8	financial	financial	ADJ
fsr-4141	198	9	literacy	literacy	NOUN
fsr-4141	198	10	education	education	NOUN
fsr-4141	198	11	studies	study	NOUN
fsr-4141	198	12	around	around	ADP
fsr-4141	198	13	the	the	DET
fsr-4141	198	14	world	world	NOUN
fsr-4141	198	15	.	.	PUNCT
fsr-4141	199	1	references	reference	NOUN
fsr-4141	199	2	asebedo	asebedo	PROPN
fsr-4141	199	3	,	,	PUNCT
fsr-4141	199	4	s.	s.	PROPN
fsr-4141	199	5	d.	d.	PROPN
fsr-4141	199	6	,	,	PUNCT
fsr-4141	199	7	wilmarth	wilmarth	NOUN
fsr-4141	199	8	,	,	PUNCT
fsr-4141	199	9	m.	m.	NOUN
fsr-4141	199	10	j.	j.	PROPN
fsr-4141	199	11	,	,	PUNCT
fsr-4141	199	12	seay	seay	PROPN
fsr-4141	199	13	,	,	PUNCT
fsr-4141	199	14	m.	m.	PROPN
fsr-4141	199	15	c.	c.	PROPN
fsr-4141	199	16	,	,	PUNCT
fsr-4141	199	17	archuleta	archuleta	PROPN
fsr-4141	199	18	,	,	PUNCT
fsr-4141	199	19	k.	k.	PROPN
fsr-4141	199	20	,	,	PUNCT
fsr-4141	199	21	brase	brase	PROPN
fsr-4141	199	22	,	,	PUNCT
fsr-4141	199	23	g.	g.	PROPN
fsr-4141	199	24	l.	l.	PROPN
fsr-4141	199	25	,	,	PUNCT
fsr-4141	199	26	&	&	CCONJ
fsr-4141	199	27	macdonald	macdonald	PROPN
fsr-4141	199	28	,	,	PUNCT
fsr-4141	199	29	m.	m.	NOUN
fsr-4141	199	30	(	(	PUNCT
fsr-4141	199	31	2019	2019	NUM
fsr-4141	199	32	)	)	PUNCT
fsr-4141	199	33	.	.	PUNCT
fsr-4141	200	1	personality	personality	NOUN
fsr-4141	200	2	and	and	CCONJ
fsr-4141	200	3	saving	save	VERB
fsr-4141	200	4	behavior	behavior	NOUN
fsr-4141	200	5	among	among	ADP
fsr-4141	200	6	older	old	ADJ
fsr-4141	200	7	adults	adult	NOUN
fsr-4141	200	8	.	.	PUNCT
fsr-4141	201	1	journal	journal	NOUN
fsr-4141	201	2	of	of	ADP
fsr-4141	201	3	consumer	consumer	NOUN
fsr-4141	201	4	affairs	affair	NOUN
fsr-4141	201	5	,	,	PUNCT
fsr-4141	201	6	53(2	53(2	NUM
fsr-4141	201	7	)	)	PUNCT
fsr-4141	201	8	,	,	PUNCT
fsr-4141	201	9	488–519	488–519	NUM
fsr-4141	201	10	.	.	PUNCT
fsr-4141	202	1	bachas	bachas	PROPN
fsr-4141	202	2	,	,	PUNCT
fsr-4141	202	3	p.	p.	NOUN
fsr-4141	202	4	,	,	PUNCT
fsr-4141	202	5	gertler	gertler	NOUN
fsr-4141	202	6	,	,	PUNCT
fsr-4141	202	7	p.	p.	PROPN
fsr-4141	202	8	,	,	PUNCT
fsr-4141	202	9	higgins	higgins	PROPN
fsr-4141	202	10	,	,	PUNCT
fsr-4141	202	11	s.	s.	PROPN
fsr-4141	202	12	,	,	PUNCT
fsr-4141	202	13	&	&	CCONJ
fsr-4141	202	14	seira	seira	PROPN
fsr-4141	202	15	,	,	PUNCT
fsr-4141	202	16	e.	e.	PROPN
fsr-4141	202	17	(	(	PUNCT
fsr-4141	202	18	2021	2021	NUM
fsr-4141	202	19	)	)	PUNCT
fsr-4141	202	20	.	.	PUNCT
fsr-4141	203	1	how	how	SCONJ
fsr-4141	203	2	debit	debit	NOUN
fsr-4141	203	3	cards	card	NOUN
fsr-4141	203	4	enable	enable	VERB
fsr-4141	203	5	the	the	DET
fsr-4141	203	6	poor	poor	ADJ
fsr-4141	203	7	to	to	PART
fsr-4141	203	8	save	save	VERB
fsr-4141	203	9	more	more	ADJ
fsr-4141	203	10	.	.	PUNCT
fsr-4141	204	1	the	the	DET
fsr-4141	204	2	journal	journal	NOUN
fsr-4141	204	3	of	of	ADP
fsr-4141	204	4	finance	finance	NOUN
fsr-4141	204	5	,	,	PUNCT
fsr-4141	204	6	76(4	76(4	NUM
fsr-4141	204	7	)	)	PUNCT
fsr-4141	204	8	,	,	PUNCT
fsr-4141	204	9	1913	1913	NUM
fsr-4141	204	10	–	–	PUNCT
fsr-4141	204	11	1957	1957	NUM
fsr-4141	204	12	.	.	PUNCT
fsr-4141	205	1	https://doi.org/10.1111/jofi.13021	https://doi.org/10.1111/jofi.13021	PROPN
fsr-4141	205	2	beckmann	beckmann	PROPN
fsr-4141	205	3	,	,	PUNCT
fsr-4141	205	4	e.	e.	PROPN
fsr-4141	205	5	,	,	PUNCT
fsr-4141	205	6	&	&	CCONJ
fsr-4141	205	7	kiesl	kiesl	PROPN
fsr-4141	205	8	-	-	PUNCT
fsr-4141	205	9	reiter	reiter	PROPN
fsr-4141	205	10	,	,	PUNCT
fsr-4141	205	11	s.	s.	PROPN
fsr-4141	205	12	(	(	PUNCT
fsr-4141	205	13	2023	2023	NUM
fsr-4141	205	14	)	)	PUNCT
fsr-4141	205	15	.	.	PUNCT
fsr-4141	206	1	financial	financial	ADJ
fsr-4141	206	2	literacy	literacy	NOUN
fsr-4141	206	3	and	and	CCONJ
fsr-4141	206	4	financial	financial	ADJ
fsr-4141	206	5	wellbeing	wellbeing	NOUN
fsr-4141	206	6	:	:	PUNCT
fsr-4141	206	7	evidence	evidence	NOUN
fsr-4141	206	8	from	from	ADP
fsr-4141	206	9	eastern	eastern	PROPN
fsr-4141	206	10	europe	europe	PROPN
fsr-4141	206	11	in	in	ADP
fsr-4141	206	12	a	a	DET
fsr-4141	206	13	high	high	ADJ
fsr-4141	206	14	inflation	inflation	NOUN
fsr-4141	206	15	environment	environment	NOUN
fsr-4141	206	16	.	.	PUNCT
fsr-4141	207	1	journal	journal	PROPN
fsr-4141	207	2	of	of	ADP
fsr-4141	207	3	financial	financial	ADJ
fsr-4141	207	4	literacy	literacy	NOUN
fsr-4141	207	5	and	and	CCONJ
fsr-4141	207	6	wellbeing	wellbeing	NOUN
fsr-4141	207	7	,	,	PUNCT
fsr-4141	207	8	1(2	1(2	NUM
fsr-4141	207	9	)	)	PUNCT
fsr-4141	207	10	,	,	PUNCT
fsr-4141	207	11	263–367	263–367	NUM
fsr-4141	207	12	.	.	PUNCT
fsr-4141	208	1	https://doi.org/10.1017/flw.2023.12	https://doi.org/10.1017/flw.2023.12	NOUN
fsr-4141	208	2	blanc	blanc	NOUN
fsr-4141	208	3	,	,	PUNCT
fsr-4141	208	4	l.	l.	PROPN
fsr-4141	208	5	j.	j.	PROPN
fsr-4141	208	6	,	,	PUNCT
fsr-4141	208	7	porpiglia	porpiglia	PROPN
fsr-4141	208	8	,	,	PUNCT
fsr-4141	208	9	a.	a.	NOUN
fsr-4141	208	10	,	,	PUNCT
fsr-4141	208	11	teppa	teppa	PROPN
fsr-4141	208	12	,	,	PUNCT
fsr-4141	208	13	f.	f.	PROPN
fsr-4141	208	14	,	,	PUNCT
fsr-4141	208	15	zhu	zhu	PROPN
fsr-4141	208	16	,	,	PUNCT
fsr-4141	208	17	j.	j.	PROPN
fsr-4141	208	18	,	,	PUNCT
fsr-4141	208	19	&	&	CCONJ
fsr-4141	208	20	ziegelmeyer	ziegelmeyer	PROPN
fsr-4141	208	21	,	,	PUNCT
fsr-4141	208	22	m.	m.	NOUN
fsr-4141	208	23	(	(	PUNCT
fsr-4141	208	24	2015	2015	NUM
fsr-4141	208	25	)	)	PUNCT
fsr-4141	208	26	.	.	PUNCT
fsr-4141	209	1	household	household	NOUN
fsr-4141	209	2	saving	save	VERB
fsr-4141	209	3	behaviour	behaviour	NOUN
fsr-4141	209	4	and	and	CCONJ
fsr-4141	209	5	credit	credit	NOUN
fsr-4141	209	6	constraints	constraint	NOUN
fsr-4141	209	7	in	in	ADP
fsr-4141	209	8	the	the	DET
fsr-4141	209	9	euro	euro	PROPN
fsr-4141	209	10	area	area	NOUN
fsr-4141	209	11	(	(	PUNCT
fsr-4141	209	12	ecb	ecb	NOUN
fsr-4141	209	13	working	working	PROPN
fsr-4141	209	14	paper	paper	PROPN
fsr-4141	209	15	no	no	NOUN
fsr-4141	209	16	.	.	PUNCT
fsr-4141	209	17	1790	1790	NUM
fsr-4141	209	18	)	)	PUNCT
fsr-4141	209	19	.	.	PUNCT
fsr-4141	210	1	european	european	PROPN
fsr-4141	210	2	central	central	PROPN
fsr-4141	210	3	bank	bank	PROPN
fsr-4141	210	4	.	.	PUNCT
fsr-4141	211	1	browning	browning	NOUN
fsr-4141	211	2	,	,	PUNCT
fsr-4141	211	3	m.	m.	NOUN
fsr-4141	211	4	,	,	PUNCT
fsr-4141	211	5	&	&	CCONJ
fsr-4141	211	6	lusardi	lusardi	PROPN
fsr-4141	211	7	,	,	PUNCT
fsr-4141	211	8	a.	a.	NOUN
fsr-4141	211	9	(	(	PUNCT
fsr-4141	211	10	1996	1996	NUM
fsr-4141	211	11	)	)	PUNCT
fsr-4141	211	12	.	.	PUNCT
fsr-4141	212	1	household	household	NOUN
fsr-4141	212	2	saving	saving	PROPN
fsr-4141	212	3	:	:	PUNCT
fsr-4141	212	4	micro	micro	ADJ
fsr-4141	212	5	theories	theory	NOUN
fsr-4141	212	6	and	and	CCONJ
fsr-4141	212	7	micro	micro	ADJ
fsr-4141	212	8	facts	fact	NOUN
fsr-4141	212	9	.	.	PUNCT
fsr-4141	213	1	https://doi.org/10.1111/jofi.13021	https://doi.org/10.1111/jofi.13021	NOUN
fsr-4141	213	2	https://doi.org/10.1017/flw.2023.12	https://doi.org/10.1017/flw.2023.12	CCONJ
fsr-4141	213	3	financial	financial	ADJ
fsr-4141	213	4	services	service	NOUN
fsr-4141	213	5	review	review	NOUN
fsr-4141	213	6	,	,	PUNCT
fsr-4141	213	7	33(3	33(3	NOUN
fsr-4141	213	8	)	)	PUNCT
fsr-4141	213	9	58	58	NUM
fsr-4141	213	10	journal	journal	NOUN
fsr-4141	213	11	of	of	ADP
fsr-4141	213	12	economic	economic	ADJ
fsr-4141	213	13	literature	literature	NOUN
fsr-4141	213	14	,	,	PUNCT
fsr-4141	213	15	34(4	34(4	NUM
fsr-4141	213	16	)	)	PUNCT
fsr-4141	213	17	,	,	PUNCT
fsr-4141	213	18	1797–1855	1797–1855	NUM
fsr-4141	213	19	.	.	PUNCT
fsr-4141	213	20	brüggen	brüggen	NOUN
fsr-4141	213	21	,	,	PUNCT
fsr-4141	213	22	e.	e.	PROPN
fsr-4141	213	23	c.	c.	PROPN
fsr-4141	213	24	,	,	PUNCT
fsr-4141	213	25	hogreve	hogreve	VERB
fsr-4141	213	26	,	,	PUNCT
fsr-4141	213	27	j.	j.	PROPN
fsr-4141	213	28	,	,	PUNCT
fsr-4141	213	29	holmlund	holmlund	PROPN
fsr-4141	213	30	,	,	PUNCT
fsr-4141	213	31	m.	m.	NOUN
fsr-4141	213	32	,	,	PUNCT
fsr-4141	213	33	kabadayi	kabadayi	ADJ
fsr-4141	213	34	,	,	PUNCT
fsr-4141	213	35	s.	s.	PROPN
fsr-4141	213	36	,	,	PUNCT
fsr-4141	213	37	&	&	CCONJ
fsr-4141	213	38	löfgren	löfgren	PROPN
fsr-4141	213	39	,	,	PUNCT
fsr-4141	213	40	m.	m.	NOUN
fsr-4141	213	41	(	(	PUNCT
fsr-4141	213	42	2017	2017	NUM
fsr-4141	213	43	)	)	PUNCT
fsr-4141	213	44	.	.	PUNCT
fsr-4141	214	1	financial	financial	ADJ
fsr-4141	214	2	wellbeing	wellbeing	NOUN
fsr-4141	214	3	:	:	PUNCT
fsr-4141	214	4	a	a	DET
fsr-4141	214	5	conceptualization	conceptualization	NOUN
fsr-4141	214	6	and	and	CCONJ
fsr-4141	214	7	research	research	NOUN
fsr-4141	214	8	agenda	agenda	NOUN
fsr-4141	214	9	.	.	PUNCT
fsr-4141	215	1	journal	journal	PROPN
fsr-4141	215	2	of	of	ADP
fsr-4141	215	3	business	business	NOUN
fsr-4141	215	4	research	research	NOUN
fsr-4141	215	5	,	,	PUNCT
fsr-4141	215	6	79	79	NUM
fsr-4141	215	7	,	,	PUNCT
fsr-4141	215	8	228–237	228–237	NUM
fsr-4141	215	9	.	.	PUNCT
fsr-4141	216	1	https://doi.org/10.1016/j.jbusres.2017.03.01	https://doi.org/10.1016/j.jbusres.2017.03.01	PROPN
fsr-4141	216	2	3	3	NUM
fsr-4141	216	3	d’acunto	d’acunto	NOUN
fsr-4141	216	4	,	,	PUNCT
fsr-4141	216	5	f.	f.	PROPN
fsr-4141	216	6	,	,	PUNCT
fsr-4141	216	7	&	&	CCONJ
fsr-4141	216	8	rossi	rossi	PROPN
fsr-4141	216	9	,	,	PUNCT
fsr-4141	216	10	a.	a.	PROPN
fsr-4141	216	11	g.	g.	PROPN
fsr-4141	216	12	(	(	PUNCT
fsr-4141	216	13	2023	2023	NUM
fsr-4141	216	14	)	)	PUNCT
fsr-4141	216	15	.	.	PUNCT
fsr-4141	217	1	robo	robo	NOUN
fsr-4141	217	2	-	-	PUNCT
fsr-4141	217	3	advice	advice	NOUN
fsr-4141	217	4	:	:	PUNCT
fsr-4141	217	5	transforming	transform	VERB
fsr-4141	217	6	households	household	NOUN
fsr-4141	217	7	into	into	ADP
fsr-4141	217	8	rational	rational	ADJ
fsr-4141	217	9	economic	economic	ADJ
fsr-4141	217	10	agents	agent	NOUN
fsr-4141	217	11	.	.	PUNCT
fsr-4141	218	1	annual	annual	ADJ
fsr-4141	218	2	review	review	NOUN
fsr-4141	218	3	of	of	ADP
fsr-4141	218	4	financial	financial	ADJ
fsr-4141	218	5	economics	economic	NOUN
fsr-4141	218	6	,	,	PUNCT
fsr-4141	218	7	15(1	15(1	NUM
fsr-4141	218	8	)	)	PUNCT
fsr-4141	218	9	,	,	PUNCT
fsr-4141	218	10	543–563	543–563	NUM
fsr-4141	218	11	.	.	PUNCT
fsr-4141	219	1	https://doi.org/10.1146/annurev-financial110921-013217	https://doi.org/10.1146/annurev-financial110921-013217	PROPN
fsr-4141	219	2	demirgüç	demirgüç	PROPN
fsr-4141	219	3	-	-	PUNCT
fsr-4141	219	4	kunt	kunt	PROPN
fsr-4141	219	5	,	,	PUNCT
fsr-4141	219	6	a.	a.	PROPN
fsr-4141	219	7	,	,	PUNCT
fsr-4141	219	8	klapper	klapper	PROPN
fsr-4141	219	9	,	,	PUNCT
fsr-4141	219	10	l.	l.	PROPN
fsr-4141	219	11	,	,	PUNCT
fsr-4141	219	12	singer	singer	NOUN
fsr-4141	219	13	,	,	PUNCT
fsr-4141	219	14	d.	d.	PROPN
fsr-4141	219	15	,	,	PUNCT
fsr-4141	219	16	&	&	CCONJ
fsr-4141	219	17	ansar	ansar	PROPN
fsr-4141	219	18	,	,	PUNCT
fsr-4141	219	19	s.	s.	PROPN
fsr-4141	219	20	(	(	PUNCT
fsr-4141	219	21	2022	2022	NUM
fsr-4141	219	22	)	)	PUNCT
fsr-4141	219	23	.	.	PUNCT
fsr-4141	220	1	the	the	DET
fsr-4141	220	2	global	global	ADJ
fsr-4141	220	3	findex	findex	PROPN
fsr-4141	220	4	database	database	PROPN
fsr-4141	220	5	2021	2021	NUM
fsr-4141	220	6	.	.	PUNCT
fsr-4141	221	1	the	the	DET
fsr-4141	221	2	world	world	PROPN
fsr-4141	221	3	bank	bank	PROPN
fsr-4141	221	4	.	.	PUNCT
fsr-4141	222	1	https://doi.org/10.1596/978-1-4648-1897-4	https://doi.org/10.1596/978-1-4648-1897-4	NOUN
fsr-4141	222	2	despard	despard	ADJ
fsr-4141	222	3	,	,	PUNCT
fsr-4141	222	4	m.	m.	NOUN
fsr-4141	222	5	r.	r.	PROPN
fsr-4141	222	6	,	,	PUNCT
fsr-4141	222	7	friedline	friedline	PROPN
fsr-4141	222	8	,	,	PUNCT
fsr-4141	222	9	t.	t.	PROPN
fsr-4141	222	10	,	,	PUNCT
fsr-4141	222	11	&	&	CCONJ
fsr-4141	222	12	martin	martin	PROPN
fsr-4141	222	13	-	-	PUNCT
fsr-4141	222	14	west	west	PROPN
fsr-4141	222	15	,	,	PUNCT
fsr-4141	222	16	s.	s.	PROPN
fsr-4141	222	17	(	(	PUNCT
fsr-4141	222	18	2020	2020	NUM
fsr-4141	222	19	)	)	PUNCT
fsr-4141	222	20	.	.	PUNCT
fsr-4141	223	1	why	why	SCONJ
fsr-4141	223	2	do	do	AUX
fsr-4141	223	3	households	household	NOUN
fsr-4141	223	4	lack	lack	VERB
fsr-4141	223	5	emergency	emergency	NOUN
fsr-4141	223	6	savings	saving	NOUN
fsr-4141	223	7	?	?	PUNCT
fsr-4141	224	1	the	the	DET
fsr-4141	224	2	role	role	NOUN
fsr-4141	224	3	of	of	ADP
fsr-4141	224	4	financial	financial	ADJ
fsr-4141	224	5	capability	capability	NOUN
fsr-4141	224	6	.	.	PUNCT
fsr-4141	225	1	journal	journal	NOUN
fsr-4141	225	2	of	of	ADP
fsr-4141	225	3	family	family	NOUN
fsr-4141	225	4	and	and	CCONJ
fsr-4141	225	5	economic	economic	ADJ
fsr-4141	225	6	issues	issue	NOUN
fsr-4141	225	7	,	,	PUNCT
fsr-4141	225	8	41	41	NUM
fsr-4141	225	9	,	,	PUNCT
fsr-4141	225	10	542–557	542–557	NUM
fsr-4141	225	11	.	.	PUNCT
fsr-4141	226	1	eurostat	eurostat	PROPN
fsr-4141	226	2	.	.	PUNCT
fsr-4141	227	1	(	(	PUNCT
fsr-4141	227	2	n.d	n.d	PROPN
fsr-4141	227	3	.	.	PROPN
fsr-4141	227	4	)	)	PUNCT
fsr-4141	227	5	.	.	PUNCT
fsr-4141	228	1	eurostat	eurostat	PROPN
fsr-4141	228	2	database	database	PROPN
fsr-4141	228	3	.	.	PUNCT
fsr-4141	229	1	retrieved	retrieve	VERB
fsr-4141	229	2	from	from	ADP
fsr-4141	229	3	:	:	PUNCT
fsr-4141	229	4	https://ec.europa.eu/eurostat/web/main/data/	https://ec.europa.eu/eurostat/web/main/data/	PROPN
fsr-4141	229	5	database	database	PROPN
fsr-4141	229	6	hamid	hamid	PROPN
fsr-4141	229	7	,	,	PUNCT
fsr-4141	229	8	f.	f.	PROPN
fsr-4141	229	9	s.	s.	PROPN
fsr-4141	229	10	,	,	PUNCT
fsr-4141	229	11	loke	loke	ADV
fsr-4141	229	12	,	,	PUNCT
fsr-4141	229	13	y.	y.	PROPN
fsr-4141	229	14	j.	j.	PROPN
fsr-4141	229	15	,	,	PUNCT
fsr-4141	229	16	&	&	CCONJ
fsr-4141	229	17	chin	chin	PROPN
fsr-4141	229	18	,	,	PUNCT
fsr-4141	229	19	p.	p.	NOUN
fsr-4141	229	20	n.	n.	NOUN
fsr-4141	229	21	(	(	PUNCT
fsr-4141	229	22	2023	2023	NUM
fsr-4141	229	23	)	)	PUNCT
fsr-4141	229	24	.	.	PUNCT
fsr-4141	230	1	determinants	determinant	NOUN
fsr-4141	230	2	of	of	ADP
fsr-4141	230	3	financial	financial	ADJ
fsr-4141	230	4	resilience	resilience	NOUN
fsr-4141	230	5	:	:	PUNCT
fsr-4141	230	6	insights	insight	NOUN
fsr-4141	230	7	from	from	ADP
fsr-4141	230	8	an	an	DET
fsr-4141	230	9	emerging	emerge	VERB
fsr-4141	230	10	economy	economy	NOUN
fsr-4141	230	11	.	.	PUNCT
fsr-4141	231	1	journal	journal	NOUN
fsr-4141	231	2	of	of	ADP
fsr-4141	231	3	social	social	ADJ
fsr-4141	231	4	and	and	CCONJ
fsr-4141	231	5	economic	economic	ADJ
fsr-4141	231	6	development	development	NOUN
fsr-4141	231	7	,	,	PUNCT
fsr-4141	231	8	25(2	25(2	NUM
fsr-4141	231	9	)	)	PUNCT
fsr-4141	231	10	,	,	PUNCT
fsr-4141	231	11	479–499	479–499	NUM
fsr-4141	231	12	.	.	PUNCT
fsr-4141	232	1	international	international	ADJ
fsr-4141	232	2	monetary	monetary	ADJ
fsr-4141	232	3	fund	fund	NOUN
fsr-4141	232	4	.	.	PUNCT
fsr-4141	233	1	(	(	PUNCT
fsr-4141	233	2	2024	2024	NUM
fsr-4141	233	3	)	)	PUNCT
fsr-4141	233	4	.	.	PUNCT
fsr-4141	234	1	financial	financial	ADJ
fsr-4141	234	2	access	access	NOUN
fsr-4141	234	3	survey	survey	NOUN
fsr-4141	234	4	database	database	NOUN
fsr-4141	234	5	.	.	PUNCT
fsr-4141	235	1	https://data.imf.org/?sk=e5dcab7e-a5ca4892-a6ea-598b5463a34c	https://data.imf.org/?sk=e5dcab7e-a5ca4892-a6ea-598b5463a34c	PROPN
fsr-4141	235	2	kaiser	kaiser	PROPN
fsr-4141	235	3	,	,	PUNCT
fsr-4141	235	4	t.	t.	PROPN
fsr-4141	235	5	,	,	PUNCT
fsr-4141	235	6	lusardi	lusardi	PROPN
fsr-4141	235	7	,	,	PUNCT
fsr-4141	235	8	a.	a.	NOUN
fsr-4141	235	9	,	,	PUNCT
fsr-4141	235	10	menkhoff	menkhoff	PROPN
fsr-4141	235	11	,	,	PUNCT
fsr-4141	235	12	l.	l.	PROPN
fsr-4141	235	13	,	,	PUNCT
fsr-4141	235	14	&	&	CCONJ
fsr-4141	235	15	urban	urban	PROPN
fsr-4141	235	16	,	,	PUNCT
fsr-4141	235	17	c.	c.	PROPN
fsr-4141	235	18	(	(	PUNCT
fsr-4141	235	19	2022	2022	NUM
fsr-4141	235	20	)	)	PUNCT
fsr-4141	235	21	.	.	PUNCT
fsr-4141	236	1	financial	financial	ADJ
fsr-4141	236	2	education	education	NOUN
fsr-4141	236	3	affects	affect	VERB
fsr-4141	236	4	financial	financial	ADJ
fsr-4141	236	5	knowledge	knowledge	NOUN
fsr-4141	236	6	and	and	CCONJ
fsr-4141	236	7	downstream	downstream	ADJ
fsr-4141	236	8	behaviors	behavior	NOUN
fsr-4141	236	9	.	.	PUNCT
fsr-4141	237	1	journal	journal	NOUN
fsr-4141	237	2	of	of	ADP
fsr-4141	237	3	financial	financial	ADJ
fsr-4141	237	4	economics	economic	NOUN
fsr-4141	237	5	,	,	PUNCT
fsr-4141	237	6	145(2	145(2	NUM
fsr-4141	237	7	)	)	PUNCT
fsr-4141	237	8	,	,	PUNCT
fsr-4141	237	9	255–272	255–272	NUM
fsr-4141	237	10	.	.	PUNCT
fsr-4141	238	1	https://doi.org/10.1016/j.jfineco.2021.09.022	https://doi.org/10.1016/j.jfineco.2021.09.022	PROPN
fsr-4141	238	2	karaivanov	karaivanov	PROPN
fsr-4141	238	3	,	,	PUNCT
fsr-4141	238	4	a.	a.	NOUN
fsr-4141	238	5	,	,	PUNCT
fsr-4141	238	6	&	&	CCONJ
fsr-4141	238	7	kessler	kessler	PROPN
fsr-4141	238	8	,	,	PUNCT
fsr-4141	238	9	a.	a.	PROPN
fsr-4141	238	10	(	(	PUNCT
fsr-4141	238	11	2018	2018	NUM
fsr-4141	238	12	)	)	PUNCT
fsr-4141	238	13	.	.	PUNCT
fsr-4141	239	1	(	(	PUNCT
fsr-4141	239	2	dis)advantages	dis)advantage	NOUN
fsr-4141	239	3	of	of	ADP
fsr-4141	239	4	informal	informal	ADJ
fsr-4141	239	5	loans	loan	NOUN
fsr-4141	239	6	:	:	PUNCT
fsr-4141	239	7	theory	theory	NOUN
fsr-4141	239	8	and	and	CCONJ
fsr-4141	239	9	evidence	evidence	NOUN
fsr-4141	239	10	.	.	PUNCT
fsr-4141	240	1	european	european	ADJ
fsr-4141	240	2	economic	economic	PROPN
fsr-4141	240	3	review	review	PROPN
fsr-4141	240	4	,	,	PUNCT
fsr-4141	240	5	102(c	102(c	PROPN
fsr-4141	240	6	)	)	PUNCT
fsr-4141	240	7	,	,	PUNCT
fsr-4141	240	8	100–128	100–128	NUM
fsr-4141	240	9	.	.	PUNCT
fsr-4141	241	1	lee	lee	PROPN
fsr-4141	241	2	,	,	PUNCT
fsr-4141	241	3	s.	s.	PROPN
fsr-4141	241	4	,	,	PUNCT
fsr-4141	241	5	&	&	CCONJ
fsr-4141	241	6	persson	persson	PROPN
fsr-4141	241	7	,	,	PUNCT
fsr-4141	241	8	p.	p.	NOUN
fsr-4141	241	9	(	(	PUNCT
fsr-4141	241	10	2016	2016	NUM
fsr-4141	241	11	)	)	PUNCT
fsr-4141	241	12	.	.	PUNCT
fsr-4141	242	1	financing	finance	VERB
fsr-4141	242	2	from	from	ADP
fsr-4141	242	3	family	family	NOUN
fsr-4141	242	4	and	and	CCONJ
fsr-4141	242	5	friends	friend	NOUN
fsr-4141	242	6	.	.	PUNCT
fsr-4141	243	1	review	review	NOUN
fsr-4141	243	2	of	of	ADP
fsr-4141	243	3	financial	financial	ADJ
fsr-4141	243	4	studies	study	NOUN
fsr-4141	243	5	,	,	PUNCT
fsr-4141	243	6	29(9	29(9	NOUN
fsr-4141	243	7	)	)	PUNCT
fsr-4141	243	8	,	,	PUNCT
fsr-4141	243	9	2341–2386	2341–2386	NUM
fsr-4141	243	10	.	.	PUNCT
fsr-4141	244	1	https://doi.org/10.1093/rfs/hhw031	https://doi.org/10.1093/rfs/hhw031	PROPN
fsr-4141	244	2	lusardi	lusardi	PROPN
fsr-4141	244	3	,	,	PUNCT
fsr-4141	244	4	a.	a.	NOUN
fsr-4141	244	5	,	,	PUNCT
fsr-4141	244	6	hasler	hasler	NOUN
fsr-4141	244	7	,	,	PUNCT
fsr-4141	244	8	a.	a.	PROPN
fsr-4141	244	9	,	,	PUNCT
fsr-4141	244	10	&	&	CCONJ
fsr-4141	244	11	yakoboski	yakoboski	PROPN
fsr-4141	244	12	,	,	PUNCT
fsr-4141	244	13	p.	p.	PROPN
fsr-4141	244	14	j.	j.	PROPN
fsr-4141	244	15	(	(	PUNCT
fsr-4141	244	16	2021	2021	NUM
fsr-4141	244	17	)	)	PUNCT
fsr-4141	244	18	.	.	PUNCT
fsr-4141	245	1	building	build	VERB
fsr-4141	245	2	up	up	ADP
fsr-4141	245	3	financial	financial	ADJ
fsr-4141	245	4	literacy	literacy	NOUN
fsr-4141	245	5	and	and	CCONJ
fsr-4141	245	6	financial	financial	ADJ
fsr-4141	245	7	resilience	resilience	NOUN
fsr-4141	245	8	.	.	PUNCT
fsr-4141	246	1	mind	mind	NOUN
fsr-4141	246	2	&	&	CCONJ
fsr-4141	246	3	society	society	NOUN
fsr-4141	246	4	,	,	PUNCT
fsr-4141	246	5	20(2	20(2	NUM
fsr-4141	246	6	)	)	PUNCT
fsr-4141	246	7	,	,	PUNCT
fsr-4141	246	8	181–187	181–187	NUM
fsr-4141	246	9	.	.	PUNCT
fsr-4141	246	10	https://doi.org/10.1007/s11299-020-00246-0	https://doi.org/10.1007/s11299-020-00246-0	NUM
fsr-4141	246	11	lusardi	lusardi	PROPN
fsr-4141	246	12	,	,	PUNCT
fsr-4141	246	13	a.	a.	PROPN
fsr-4141	246	14	,	,	PUNCT
fsr-4141	246	15	&	&	CCONJ
fsr-4141	246	16	mitchell	mitchell	PROPN
fsr-4141	246	17	,	,	PUNCT
fsr-4141	246	18	o.	o.	PROPN
fsr-4141	246	19	s.	s.	PROPN
fsr-4141	246	20	(	(	PUNCT
fsr-4141	246	21	2023	2023	NUM
fsr-4141	246	22	)	)	PUNCT
fsr-4141	246	23	.	.	PUNCT
fsr-4141	247	1	the	the	DET
fsr-4141	247	2	importance	importance	NOUN
fsr-4141	247	3	of	of	ADP
fsr-4141	247	4	financial	financial	ADJ
fsr-4141	247	5	literacy	literacy	NOUN
fsr-4141	247	6	:	:	PUNCT
fsr-4141	247	7	opening	open	VERB
fsr-4141	247	8	a	a	DET
fsr-4141	247	9	new	new	ADJ
fsr-4141	247	10	field	field	NOUN
fsr-4141	247	11	.	.	PUNCT
fsr-4141	248	1	journal	journal	NOUN
fsr-4141	248	2	of	of	ADP
fsr-4141	248	3	economic	economic	ADJ
fsr-4141	248	4	perspectives	perspective	NOUN
fsr-4141	248	5	,	,	PUNCT
fsr-4141	248	6	37(4	37(4	PROPN
fsr-4141	248	7	)	)	PUNCT
fsr-4141	248	8	,	,	PUNCT
fsr-4141	248	9	137–154	137–154	NUM
fsr-4141	248	10	.	.	PUNCT
fsr-4141	249	1	meyll	meyll	NOUN
fsr-4141	249	2	,	,	PUNCT
fsr-4141	249	3	t.	t.	PROPN
fsr-4141	249	4	,	,	PUNCT
fsr-4141	249	5	&	&	CCONJ
fsr-4141	249	6	walter	walter	PROPN
fsr-4141	249	7	,	,	PUNCT
fsr-4141	249	8	a.	a.	NOUN
fsr-4141	249	9	(	(	PUNCT
fsr-4141	249	10	2019	2019	NUM
fsr-4141	249	11	)	)	PUNCT
fsr-4141	249	12	.	.	PUNCT
fsr-4141	250	1	tapping	tap	VERB
fsr-4141	250	2	and	and	CCONJ
fsr-4141	250	3	waving	wave	VERB
fsr-4141	250	4	to	to	ADP
fsr-4141	250	5	debt	debt	NOUN
fsr-4141	250	6	:	:	PUNCT
fsr-4141	250	7	mobile	mobile	ADJ
fsr-4141	250	8	payments	payment	NOUN
fsr-4141	250	9	and	and	CCONJ
fsr-4141	250	10	credit	credit	NOUN
fsr-4141	250	11	card	card	NOUN
fsr-4141	250	12	behavior	behavior	NOUN
fsr-4141	250	13	.	.	PUNCT
fsr-4141	251	1	finance	finance	NOUN
fsr-4141	251	2	research	research	NOUN
fsr-4141	251	3	letters	letter	NOUN
fsr-4141	251	4	,	,	PUNCT
fsr-4141	251	5	28	28	NUM
fsr-4141	251	6	,	,	PUNCT
fsr-4141	251	7	381	381	NUM
fsr-4141	251	8	–	–	PUNCT
fsr-4141	251	9	387	387	NUM
fsr-4141	251	10	.	.	PUNCT
fsr-4141	251	11	https://doi.org/10.1016/j.frl.2018.06.009	https://doi.org/10.1016/j.frl.2018.06.009	PROPN
fsr-4141	251	12	nokulunga	nokulunga	PROPN
fsr-4141	251	13	,	,	PUNCT
fsr-4141	251	14	m.	m.	NOUN
fsr-4141	251	15	,	,	PUNCT
fsr-4141	251	16	&	&	CCONJ
fsr-4141	251	17	klara	klara	PROPN
fsr-4141	251	18	,	,	PUNCT
fsr-4141	251	19	m.	m.	NOUN
fsr-4141	251	20	(	(	PUNCT
fsr-4141	251	21	2023	2023	NUM
fsr-4141	251	22	)	)	PUNCT
fsr-4141	251	23	.	.	PUNCT
fsr-4141	252	1	determinants	determinant	NOUN
fsr-4141	252	2	of	of	ADP
fsr-4141	252	3	using	use	VERB
fsr-4141	252	4	formal	formal	ADJ
fsr-4141	252	5	vs	vs	ADP
fsr-4141	252	6	informal	informal	ADJ
fsr-4141	252	7	financial	financial	ADJ
fsr-4141	252	8	sector	sector	NOUN
fsr-4141	252	9	in	in	ADP
fsr-4141	252	10	brics	brics	PROPN
fsr-4141	252	11	group	group	NOUN
fsr-4141	252	12	.	.	PUNCT
fsr-4141	253	1	finance	finance	NOUN
fsr-4141	253	2	research	research	NOUN
fsr-4141	253	3	letters	letter	NOUN
fsr-4141	253	4	,	,	PUNCT
fsr-4141	253	5	55(b	55(b	PROPN
fsr-4141	253	6	)	)	PUNCT
fsr-4141	253	7	,	,	PUNCT
fsr-4141	253	8	103956	103956	NUM
fsr-4141	253	9	.	.	PUNCT
fsr-4141	254	1	https://doi.org/10.1016/j.frl.2023.103956	https://doi.org/10.1016/j.frl.2023.103956	PROPN
fsr-4141	254	2	nourallah	nourallah	PROPN
fsr-4141	254	3	,	,	PUNCT
fsr-4141	254	4	m.	m.	NOUN
fsr-4141	254	5	,	,	PUNCT
fsr-4141	254	6	&	&	CCONJ
fsr-4141	254	7	öhman	öhman	NOUN
fsr-4141	254	8	,	,	PUNCT
fsr-4141	254	9	p.	p.	NOUN
fsr-4141	254	10	(	(	PUNCT
fsr-4141	254	11	2021	2021	NUM
fsr-4141	254	12	)	)	PUNCT
fsr-4141	254	13	.	.	PUNCT
fsr-4141	255	1	impact	impact	NOUN
fsr-4141	255	2	of	of	ADP
fsr-4141	255	3	advanced	advanced	ADJ
fsr-4141	255	4	technologies	technology	NOUN
fsr-4141	255	5	on	on	ADP
fsr-4141	255	6	consumer	consumer	NOUN
fsr-4141	255	7	finance	finance	NOUN
fsr-4141	255	8	and	and	CCONJ
fsr-4141	255	9	retail	retail	ADJ
fsr-4141	255	10	investment	investment	NOUN
fsr-4141	255	11	.	.	PUNCT
fsr-4141	256	1	in	in	ADP
fsr-4141	256	2	r.	r.	PROPN
fsr-4141	256	3	ho	ho	PROPN
fsr-4141	256	4	,	,	PUNCT
fsr-4141	256	5	a.	a.	PROPN
fsr-4141	256	6	h.	h.	PROPN
fsr-4141	256	7	h.	h.	PROPN
fsr-4141	256	8	ng	ng	PROPN
fsr-4141	256	9	,	,	PUNCT
fsr-4141	256	10	&	&	CCONJ
fsr-4141	256	11	m.	m.	PROPN
fsr-4141	256	12	nourallah	nourallah	PROPN
fsr-4141	256	13	(	(	PUNCT
fsr-4141	256	14	eds	ed	NOUN
fsr-4141	256	15	.	.	PUNCT
fsr-4141	256	16	)	)	PUNCT
fsr-4141	256	17	,	,	PUNCT
fsr-4141	256	18	impact	impact	NOUN
fsr-4141	256	19	of	of	ADP
fsr-4141	256	20	globalization	globalization	NOUN
fsr-4141	256	21	and	and	CCONJ
fsr-4141	256	22	advanced	advanced	ADJ
fsr-4141	256	23	technologies	technology	NOUN
fsr-4141	256	24	on	on	ADP
fsr-4141	256	25	online	online	ADJ
fsr-4141	256	26	business	business	NOUN
fsr-4141	256	27	models	model	NOUN
fsr-4141	256	28	(	(	PUNCT
fsr-4141	256	29	pp	pp	X
fsr-4141	256	30	.	.	PUNCT
fsr-4141	256	31	1–15	1–15	NUM
fsr-4141	256	32	)	)	PUNCT
fsr-4141	256	33	.	.	PUNCT
fsr-4141	257	1	igi	igi	PROPN
fsr-4141	257	2	global	global	PROPN
fsr-4141	257	3	.	.	PUNCT
fsr-4141	258	1	https://doi.org/10.4018/978-1-79987603-8.ch001	https://doi.org/10.4018/978-1-79987603-8.ch001	PROPN
fsr-4141	258	2	nourallah	nourallah	PROPN
fsr-4141	258	3	,	,	PUNCT
fsr-4141	258	4	m.	m.	NOUN
fsr-4141	258	5	,	,	PUNCT
fsr-4141	258	6	öhman	öhman	NOUN
fsr-4141	258	7	,	,	PUNCT
fsr-4141	258	8	p.	p.	PROPN
fsr-4141	258	9	,	,	PUNCT
fsr-4141	258	10	&	&	CCONJ
fsr-4141	258	11	amin	amin	PROPN
fsr-4141	258	12	,	,	PUNCT
fsr-4141	258	13	m.	m.	NOUN
fsr-4141	258	14	(	(	PUNCT
fsr-4141	258	15	2023	2023	NUM
fsr-4141	258	16	)	)	PUNCT
fsr-4141	258	17	.	.	PUNCT
fsr-4141	259	1	no	no	DET
fsr-4141	259	2	trust	trust	NOUN
fsr-4141	259	3	,	,	PUNCT
fsr-4141	259	4	no	no	DET
fsr-4141	259	5	use	use	NOUN
fsr-4141	259	6	:	:	PUNCT
fsr-4141	259	7	how	how	SCONJ
fsr-4141	259	8	young	young	ADJ
fsr-4141	259	9	retail	retail	ADJ
fsr-4141	259	10	investors	investor	NOUN
fsr-4141	259	11	build	build	VERB
fsr-4141	259	12	initial	initial	ADJ
fsr-4141	259	13	trust	trust	NOUN
fsr-4141	259	14	in	in	ADP
fsr-4141	259	15	financial	financial	ADJ
fsr-4141	259	16	roboadvisors	roboadvisor	NOUN
fsr-4141	259	17	.	.	PUNCT
fsr-4141	260	1	journal	journal	NOUN
fsr-4141	260	2	of	of	ADP
fsr-4141	260	3	financial	financial	ADJ
fsr-4141	260	4	reporting	reporting	NOUN
fsr-4141	260	5	and	and	CCONJ
fsr-4141	260	6	accounting	accounting	NOUN
fsr-4141	260	7	,	,	PUNCT
fsr-4141	260	8	21(1	21(1	NUM
fsr-4141	260	9	)	)	PUNCT
fsr-4141	260	10	,	,	PUNCT
fsr-4141	260	11	60–82	60–82	NUM
fsr-4141	260	12	.	.	PUNCT
fsr-4141	261	1	nourallah	nourallah	PROPN
fsr-4141	261	2	,	,	PUNCT
fsr-4141	261	3	m.	m.	NOUN
fsr-4141	261	4	,	,	PUNCT
fsr-4141	261	5	öhman	öhman	NOUN
fsr-4141	261	6	,	,	PUNCT
fsr-4141	261	7	p.	p.	NOUN
fsr-4141	261	8	,	,	PUNCT
fsr-4141	261	9	&	&	CCONJ
fsr-4141	261	10	hamati	hamati	PROPN
fsr-4141	261	11	,	,	PUNCT
fsr-4141	261	12	s.	s.	PROPN
fsr-4141	261	13	(	(	PUNCT
fsr-4141	261	14	2024	2024	NUM
fsr-4141	261	15	)	)	PUNCT
fsr-4141	261	16	.	.	PUNCT
fsr-4141	262	1	financial	financial	ADJ
fsr-4141	262	2	technology	technology	NOUN
fsr-4141	262	3	and	and	CCONJ
fsr-4141	262	4	financial	financial	ADJ
fsr-4141	262	5	capability	capability	NOUN
fsr-4141	262	6	:	:	PUNCT
fsr-4141	262	7	study	study	NOUN
fsr-4141	262	8	of	of	ADP
fsr-4141	262	9	the	the	DET
fsr-4141	262	10	european	european	PROPN
fsr-4141	262	11	union	union	PROPN
fsr-4141	262	12	.	.	PUNCT
fsr-4141	263	1	global	global	ADJ
fsr-4141	263	2	finance	finance	PROPN
fsr-4141	263	3	journal	journal	NOUN
fsr-4141	263	4	,	,	PUNCT
fsr-4141	263	5	62	62	NUM
fsr-4141	263	6	,	,	PUNCT
fsr-4141	263	7	101008	101008	NUM
fsr-4141	263	8	.	.	PUNCT
fsr-4141	264	1	https://doi.org/10.1016/j.gfj.2024.101008	https://doi.org/10.1016/j.gfj.2024.101008	PROPN
fsr-4141	264	2	stango	stango	PROPN
fsr-4141	264	3	,	,	PUNCT
fsr-4141	264	4	v.	v.	PROPN
fsr-4141	264	5	,	,	PUNCT
fsr-4141	264	6	&	&	CCONJ
fsr-4141	264	7	zinman	zinman	PROPN
fsr-4141	264	8	,	,	PUNCT
fsr-4141	264	9	j.	j.	PROPN
fsr-4141	264	10	(	(	PUNCT
fsr-4141	264	11	2023	2023	NUM
fsr-4141	264	12	)	)	PUNCT
fsr-4141	264	13	.	.	PUNCT
fsr-4141	265	1	we	we	PRON
fsr-4141	265	2	are	be	AUX
fsr-4141	265	3	all	all	ADV
fsr-4141	265	4	behavioural	behavioural	ADJ
fsr-4141	265	5	,	,	PUNCT
fsr-4141	265	6	more	more	ADJ
fsr-4141	265	7	,	,	PUNCT
fsr-4141	265	8	or	or	CCONJ
fsr-4141	265	9	less	less	ADJ
fsr-4141	265	10	:	:	PUNCT
fsr-4141	265	11	a	a	DET
fsr-4141	265	12	taxonomy	taxonomy	NOUN
fsr-4141	265	13	of	of	ADP
fsr-4141	265	14	consumer	consumer	NOUN
fsr-4141	265	15	decision	decision	NOUN
fsr-4141	265	16	-	-	PUNCT
fsr-4141	265	17	making	making	NOUN
fsr-4141	265	18	.	.	PUNCT
fsr-4141	266	1	the	the	DET
fsr-4141	266	2	review	review	NOUN
fsr-4141	266	3	of	of	ADP
fsr-4141	266	4	economic	economic	ADJ
fsr-4141	266	5	studies	study	NOUN
fsr-4141	266	6	,	,	PUNCT
fsr-4141	266	7	90(3	90(3	NOUN
fsr-4141	266	8	)	)	PUNCT
fsr-4141	266	9	,	,	PUNCT
fsr-4141	266	10	1470–1498	1470–1498	NUM
fsr-4141	266	11	.	.	PUNCT
fsr-4141	267	1	https://doi.org/10.1093/restud/rdac055	https://doi.org/10.1093/restud/rdac055	PROPN
fsr-4141	267	2	thaler	thaler	PROPN
fsr-4141	267	3	,	,	PUNCT
fsr-4141	267	4	r.	r.	PROPN
fsr-4141	267	5	h.	h.	PROPN
fsr-4141	267	6	,	,	PUNCT
fsr-4141	267	7	&	&	CCONJ
fsr-4141	267	8	shefrin	shefrin	NOUN
fsr-4141	267	9	,	,	PUNCT
fsr-4141	267	10	h.	h.	PROPN
fsr-4141	267	11	m.	m.	PROPN
fsr-4141	267	12	(	(	PUNCT
fsr-4141	267	13	1981	1981	NUM
fsr-4141	267	14	)	)	PUNCT
fsr-4141	267	15	.	.	PUNCT
fsr-4141	268	1	an	an	DET
fsr-4141	268	2	economic	economic	ADJ
fsr-4141	268	3	theory	theory	NOUN
fsr-4141	268	4	of	of	ADP
fsr-4141	268	5	self	self	NOUN
fsr-4141	268	6	-	-	PUNCT
fsr-4141	268	7	control	control	NOUN
fsr-4141	268	8	.	.	PUNCT
fsr-4141	269	1	journal	journal	NOUN
fsr-4141	269	2	of	of	ADP
fsr-4141	269	3	political	political	ADJ
fsr-4141	269	4	economy	economy	NOUN
fsr-4141	269	5	,	,	PUNCT
fsr-4141	269	6	89(2	89(2	NOUN
fsr-4141	269	7	)	)	PUNCT
fsr-4141	269	8	,	,	PUNCT
fsr-4141	269	9	392–406	392–406	NUM
fsr-4141	269	10	.	.	PUNCT
fsr-4141	270	1	https://doi.org/10.1086/260971	https://doi.org/10.1086/260971	ADJ
fsr-4141	270	2	the	the	DET
fsr-4141	270	3	european	european	PROPN
fsr-4141	270	4	central	central	PROPN
fsr-4141	270	5	bank	bank	PROPN
fsr-4141	270	6	.	.	PUNCT
fsr-4141	271	1	(	(	PUNCT
fsr-4141	271	2	2024	2024	NUM
fsr-4141	271	3	)	)	PUNCT
fsr-4141	271	4	.	.	PUNCT
fsr-4141	272	1	payments	payment	NOUN
fsr-4141	272	2	statistics	statistic	NOUN
fsr-4141	272	3	:	:	PUNCT
fsr-4141	272	4	first	first	ADV
fsr-4141	272	5	half	half	NOUN
fsr-4141	272	6	of	of	ADP
fsr-4141	272	7	2023	2023	NUM
fsr-4141	272	8	.	.	PUNCT
fsr-4141	273	1	european	european	ADJ
fsr-4141	273	2	central	central	PROPN
fsr-4141	273	3	bank	bank	NOUN
fsr-4141	273	4	.	.	PUNCT
fsr-4141	274	1	https://www.ecb.europa.eu/press/stats/payse	https://www.ecb.europa.eu/press/stats/payse	PROPN
fsr-4141	274	2	c	c	X
fsr-4141	274	3	/	/	SYM
fsr-4141	274	4	html	html	NOUN
fsr-4141	274	5	/	/	SYM
fsr-4141	275	1	ecb.pis2023	ecb.pis2023	X
fsr-4141	275	2	~	~	X
fsr-4141	275	3	b28d791ed8.en.html	b28d791ed8.en.html	X
fsr-4141	275	4	https://doi.org/10.1016/j.jbusres.2017.03.013	https://doi.org/10.1016/j.jbusres.2017.03.013	VERB
fsr-4141	275	5	https://doi.org/10.1016/j.jbusres.2017.03.013	https://doi.org/10.1016/j.jbusres.2017.03.013	PROPN
fsr-4141	275	6	https://doi.org/10.1146/annurev-financial-110921-013217	https://doi.org/10.1146/annurev-financial-110921-013217	PROPN
fsr-4141	275	7	https://doi.org/10.1146/annurev-financial-110921-013217	https://doi.org/10.1146/annurev-financial-110921-013217	PROPN
fsr-4141	275	8	https://doi.org/10.1596/978-1-4648-1897-4	https://doi.org/10.1596/978-1-4648-1897-4	NOUN
fsr-4141	275	9	https://ec.europa.eu/eurostat/web/main/data/database	https://ec.europa.eu/eurostat/web/main/data/database	PROPN
fsr-4141	275	10	https://ec.europa.eu/eurostat/web/main/data/database	https://ec.europa.eu/eurostat/web/main/data/database	PROPN
fsr-4141	275	11	https://data.imf.org/?sk=e5dcab7e-a5ca-4892-a6ea-598b5463a34c	https://data.imf.org/?sk=e5dcab7e-a5ca-4892-a6ea-598b5463a34c	PROPN
fsr-4141	275	12	https://data.imf.org/?sk=e5dcab7e-a5ca-4892-a6ea-598b5463a34c	https://data.imf.org/?sk=e5dcab7e-a5ca-4892-a6ea-598b5463a34c	PROPN
fsr-4141	275	13	https://doi.org/10.1016/j.jfineco.2021.09.022	https://doi.org/10.1016/j.jfineco.2021.09.022	PROPN
fsr-4141	275	14	https://doi.org/10.1093/rfs/hhw031	https://doi.org/10.1093/rfs/hhw031	PROPN
fsr-4141	275	15	https://doi.org/10.1007/s11299-020-00246-0	https://doi.org/10.1007/s11299-020-00246-0	NUM
fsr-4141	275	16	https://doi.org/10.1016/j.frl.2018.06.009	https://doi.org/10.1016/j.frl.2018.06.009	PROPN
fsr-4141	275	17	https://doi.org/10.1016/j.frl.2023.103956	https://doi.org/10.1016/j.frl.2023.103956	PROPN
fsr-4141	276	1	https://doi.org/10.1016/j.gfj.2024.101008	https://doi.org/10.1016/j.gfj.2024.101008	PROPN
fsr-4141	276	2	https://doi.org/10.1093/restud/rdac055	https://doi.org/10.1093/restud/rdac055	VERB
fsr-4141	276	3	https://doi.org/10.1086/260971	https://doi.org/10.1086/260971	ADV
fsr-4141	276	4	https://www.ecb.europa.eu/press/stats/paysec/html/ecb.pis2023~b28d791ed8.en.html	https://www.ecb.europa.eu/press/stats/paysec/html/ecb.pis2023~b28d791ed8.en.html	PROPN
fsr-4141	276	5	https://www.ecb.europa.eu/press/stats/paysec/html/ecb.pis2023~b28d791ed8.en.html	https://www.ecb.europa.eu/press/stats/paysec/html/ecb.pis2023~b28d791ed8.en.html	PROPN
fsr-4141	276	6	diab	diab	PROPN
fsr-4141	276	7	et	et	PROPN
fsr-4141	276	8	al	al	PROPN
fsr-4141	276	9	.	.	PROPN
fsr-4141	276	10	59	59	NUM
fsr-4141	276	11	the	the	DET
fsr-4141	276	12	world	world	NOUN
fsr-4141	276	13	bank	bank	PROPN
fsr-4141	276	14	.	.	PUNCT
fsr-4141	277	1	(	(	PUNCT
fsr-4141	277	2	2024	2024	NUM
fsr-4141	277	3	)	)	PUNCT
fsr-4141	277	4	.	.	PUNCT
fsr-4141	278	1	world	world	NOUN
fsr-4141	278	2	development	development	PROPN
fsr-4141	278	3	indicators	indicator	NOUN
fsr-4141	278	4	database	database	VERB
fsr-4141	278	5	.	.	PUNCT
fsr-4141	279	1	the	the	DET
fsr-4141	279	2	world	world	PROPN
fsr-4141	279	3	bank	bank	PROPN
fsr-4141	279	4	.	.	PUNCT
fsr-4141	279	5	retrieved	retrieve	VERB
fsr-4141	279	6	from	from	ADP
fsr-4141	279	7	https://databank.worldbank.org/source/world	https://databank.worldbank.org/source/world	ADJ
fsr-4141	279	8	-development	-development	PROPN
fsr-4141	279	9	-	-	PUNCT
fsr-4141	279	10	indicators	indicator	NOUN
fsr-4141	279	11	the	the	DET
fsr-4141	279	12	world	world	PROPN
fsr-4141	279	13	bank	bank	PROPN
fsr-4141	279	14	.	.	PUNCT
fsr-4141	280	1	(	(	PUNCT
fsr-4141	280	2	n.d	n.d	PROPN
fsr-4141	280	3	.	.	PROPN
fsr-4141	280	4	)	)	PUNCT
fsr-4141	280	5	.	.	PUNCT
fsr-4141	281	1	metadata	metadata	PROPN
fsr-4141	281	2	glossary	glossary	NOUN
fsr-4141	281	3	.	.	PUNCT
fsr-4141	282	1	the	the	DET
fsr-4141	282	2	world	world	PROPN
fsr-4141	282	3	bank	bank	PROPN
fsr-4141	282	4	.	.	PUNCT
fsr-4141	282	5	retrieved	retrieve	VERB
fsr-4141	282	6	from	from	ADP
fsr-4141	282	7	https://databank.worldbank.org/metadataglo	https://databank.worldbank.org/metadataglo	ADV
fsr-4141	282	8	ssary	ssary	ADJ
fsr-4141	282	9	/	/	SYM
fsr-4141	282	10	world	world	NOUN
fsr-4141	282	11	-	-	PUNCT
fsr-4141	282	12	developmentindicators	developmentindicator	NOUN
fsr-4141	282	13	/	/	SYM
fsr-4141	282	14	series	series	PROPN
fsr-4141	282	15	/	/	SYM
fsr-4141	282	16	fp.cpi.totl.zg	fp.cpi.totl.zg	NOUN
fsr-4141	282	17	tufano	tufano	ADJ
fsr-4141	282	18	,	,	PUNCT
fsr-4141	282	19	p.	p.	NOUN
fsr-4141	282	20	(	(	PUNCT
fsr-4141	282	21	2009	2009	NUM
fsr-4141	282	22	)	)	PUNCT
fsr-4141	282	23	.	.	PUNCT
fsr-4141	283	1	consumer	consumer	NOUN
fsr-4141	283	2	finance	finance	NOUN
fsr-4141	283	3	.	.	PUNCT
fsr-4141	284	1	annual	annual	ADJ
fsr-4141	284	2	review	review	NOUN
fsr-4141	284	3	of	of	ADP
fsr-4141	284	4	financial	financial	ADJ
fsr-4141	284	5	economics	economic	NOUN
fsr-4141	284	6	,	,	PUNCT
fsr-4141	284	7	1(1	1(1	NUM
fsr-4141	284	8	)	)	PUNCT
fsr-4141	284	9	,	,	PUNCT
fsr-4141	284	10	227–247	227–247	NUM
fsr-4141	284	11	.	.	PUNCT
fsr-4141	284	12	https://doi.org/10.1146/annurev.financial.05	https://doi.org/10.1146/annurev.financial.05	NOUN
fsr-4141	284	13	0808.114457	0808.114457	NUM
fsr-4141	284	14	unesco	unesco	PROPN
fsr-4141	284	15	institute	institute	PROPN
fsr-4141	284	16	for	for	ADP
fsr-4141	284	17	statistics	statistic	NOUN
fsr-4141	284	18	(	(	PUNCT
fsr-4141	284	19	uis	uis	PROPN
fsr-4141	284	20	)	)	PUNCT
fsr-4141	284	21	.	.	PUNCT
fsr-4141	285	1	(	(	PUNCT
fsr-4141	285	2	n.d	n.d	PROPN
fsr-4141	285	3	.	.	PROPN
fsr-4141	285	4	)	)	PUNCT
fsr-4141	285	5	.	.	PUNCT
fsr-4141	286	1	uis	uis	PROPN
fsr-4141	286	2	database	database	NOUN
fsr-4141	286	3	.	.	PUNCT
fsr-4141	287	1	retrieved	retrieve	VERB
fsr-4141	287	2	from	from	ADP
fsr-4141	287	3	:	:	PUNCT
fsr-4141	287	4	http://data.uis.unesco.org/	http://data.uis.unesco.org/	PROPN
fsr-4141	287	5	xiao	xiao	PROPN
fsr-4141	287	6	,	,	PUNCT
fsr-4141	287	7	j.	j.	PROPN
fsr-4141	287	8	j.	j.	PROPN
fsr-4141	287	9	,	,	PUNCT
fsr-4141	287	10	&	&	CCONJ
fsr-4141	287	11	tao	tao	PROPN
fsr-4141	287	12	,	,	PUNCT
fsr-4141	287	13	c.	c.	PROPN
fsr-4141	287	14	(	(	PUNCT
fsr-4141	287	15	2021	2021	NUM
fsr-4141	287	16	)	)	PUNCT
fsr-4141	287	17	.	.	PUNCT
fsr-4141	288	1	consumer	consumer	NOUN
fsr-4141	288	2	finance	finance	NOUN
fsr-4141	288	3	/	/	SYM
fsr-4141	288	4	household	household	NOUN
fsr-4141	288	5	finance	finance	NOUN
fsr-4141	288	6	:	:	PUNCT
fsr-4141	288	7	the	the	DET
fsr-4141	288	8	definition	definition	NOUN
fsr-4141	288	9	and	and	CCONJ
fsr-4141	288	10	scope	scope	NOUN
fsr-4141	288	11	.	.	PUNCT
fsr-4141	289	1	china	china	PROPN
fsr-4141	289	2	finance	finance	PROPN
fsr-4141	289	3	review	review	PROPN
fsr-4141	289	4	international	international	ADJ
fsr-4141	289	5	,	,	PUNCT
fsr-4141	289	6	11(1	11(1	NUM
fsr-4141	289	7	)	)	PUNCT
fsr-4141	289	8	,	,	PUNCT
fsr-4141	289	9	1–25	1–25	PROPN
fsr-4141	289	10	.	.	PUNCT
fsr-4141	289	11	zinman	zinman	PROPN
fsr-4141	289	12	,	,	PUNCT
fsr-4141	289	13	j.	j.	PROPN
fsr-4141	289	14	(	(	PUNCT
fsr-4141	289	15	2015	2015	NUM
fsr-4141	289	16	)	)	PUNCT
fsr-4141	289	17	.	.	PUNCT
fsr-4141	290	1	household	household	NOUN
fsr-4141	290	2	debt	debt	NOUN
fsr-4141	290	3	:	:	PUNCT
fsr-4141	290	4	facts	fact	NOUN
fsr-4141	290	5	,	,	PUNCT
fsr-4141	290	6	puzzles	puzzle	NOUN
fsr-4141	290	7	,	,	PUNCT
fsr-4141	290	8	theories	theory	NOUN
fsr-4141	290	9	,	,	PUNCT
fsr-4141	290	10	and	and	CCONJ
fsr-4141	290	11	policies	policy	NOUN
fsr-4141	290	12	.	.	PUNCT
fsr-4141	291	1	annual	annual	ADJ
fsr-4141	291	2	review	review	NOUN
fsr-4141	291	3	of	of	ADP
fsr-4141	291	4	economics	economic	NOUN
fsr-4141	291	5	,	,	PUNCT
fsr-4141	291	6	7(1	7(1	NUM
fsr-4141	291	7	)	)	PUNCT
fsr-4141	291	8	,	,	PUNCT
fsr-4141	291	9	251–276	251–276	NUM
fsr-4141	291	10	.	.	PUNCT
fsr-4141	292	1	https://doi.org/10.1146/annurev-economics080614-115640	https://doi.org/10.1146/annurev-economics080614-115640	ADJ
fsr-4141	292	2	https://databank.worldbank.org/source/world-development-indicators	https://databank.worldbank.org/source/world-development-indicator	NOUN
fsr-4141	292	3	https://databank.worldbank.org/source/world-development-indicators	https://databank.worldbank.org/source/world-development-indicators	PROPN
fsr-4141	292	4	https://databank.worldbank.org/metadataglossary/world-development-indicators/series/fp.cpi.totl.zg	https://databank.worldbank.org/metadataglossary/world-development-indicators/series/fp.cpi.totl.zg	PROPN
fsr-4141	292	5	https://databank.worldbank.org/metadataglossary/world-development-indicators/series/fp.cpi.totl.zg	https://databank.worldbank.org/metadataglossary/world-development-indicators/series/fp.cpi.totl.zg	PROPN
fsr-4141	292	6	https://databank.worldbank.org/metadataglossary/world-development-indicators/series/fp.cpi.totl.zg	https://databank.worldbank.org/metadataglossary/world-development-indicators/series/fp.cpi.totl.zg	PROPN
fsr-4141	292	7	https://doi.org/10.1146/annurev.financial.050808.114457	https://doi.org/10.1146/annurev.financial.050808.114457	PROPN
fsr-4141	292	8	https://doi.org/10.1146/annurev.financial.050808.114457	https://doi.org/10.1146/annurev.financial.050808.114457	PROPN
fsr-4141	292	9	http://data.uis.unesco.org/	http://data.uis.unesco.org/	ADV
fsr-4141	292	10	https://doi.org/10.1146/annurev-economics-080614-115640	https://doi.org/10.1146/annurev-economics-080614-115640	PROPN
fsr-4141	292	11	https://doi.org/10.1146/annurev-economics-080614-115640	https://doi.org/10.1146/annurev-economics-080614-115640	PROPN
fsr-4141	292	12	financial	financial	ADJ
fsr-4141	292	13	services	service	NOUN
fsr-4141	292	14	review	review	NOUN
fsr-4141	292	15	,	,	PUNCT
fsr-4141	292	16	33(3	33(3	NOUN
fsr-4141	292	17	)	)	PUNCT
fsr-4141	292	18	60	60	NUM
fsr-4141	292	19	appendix	appendix	NOUN
fsr-4141	292	20	:	:	PUNCT
fsr-4141	292	21	definition	definition	NOUN
fsr-4141	292	22	of	of	ADP
fsr-4141	292	23	variables	variable	NOUN
fsr-4141	292	24	borrowed	borrow	VERB
fsr-4141	292	25	from	from	ADP
fsr-4141	292	26	family	family	NOUN
fsr-4141	292	27	or	or	CCONJ
fsr-4141	292	28	friends	friend	NOUN
fsr-4141	292	29	(	(	PUNCT
fsr-4141	292	30	%	%	INTJ
fsr-4141	292	31	age	age	NOUN
fsr-4141	292	32	15	15	NUM
fsr-4141	292	33	+	+	NOUN
fsr-4141	292	34	)	)	PUNCT
fsr-4141	292	35	“	"	PUNCT
fsr-4141	292	36	the	the	DET
fsr-4141	292	37	percentage	percentage	NOUN
fsr-4141	292	38	of	of	ADP
fsr-4141	292	39	respondents	respondent	NOUN
fsr-4141	292	40	who	who	PRON
fsr-4141	292	41	report	report	VERB
fsr-4141	292	42	borrowing	borrow	VERB
fsr-4141	292	43	any	any	DET
fsr-4141	292	44	money	money	NOUN
fsr-4141	292	45	from	from	ADP
fsr-4141	292	46	family	family	NOUN
fsr-4141	292	47	,	,	PUNCT
fsr-4141	292	48	relatives	relative	NOUN
fsr-4141	292	49	,	,	PUNCT
fsr-4141	292	50	or	or	CCONJ
fsr-4141	292	51	friends	friend	NOUN
fsr-4141	292	52	in	in	ADP
fsr-4141	292	53	the	the	DET
fsr-4141	292	54	past	past	ADJ
fsr-4141	292	55	year	year	NOUN
fsr-4141	292	56	.	.	PUNCT
fsr-4141	292	57	”	"	PUNCT
fsr-4141	293	1	(	(	PUNCT
fsr-4141	293	2	demirgüç	demirgüç	NOUN
fsr-4141	293	3	-	-	PUNCT
fsr-4141	293	4	kunt	kunt	PROPN
fsr-4141	293	5	et	et	PROPN
fsr-4141	293	6	al	al	PROPN
fsr-4141	293	7	.	.	PROPN
fsr-4141	293	8	,	,	PUNCT
fsr-4141	293	9	2022	2022	NUM
fsr-4141	293	10	)	)	PUNCT
fsr-4141	293	11	the	the	DET
fsr-4141	293	12	global	global	ADJ
fsr-4141	293	13	findex	findex	PROPN
fsr-4141	293	14	database	database	NOUN
fsr-4141	293	15	saved	save	VERB
fsr-4141	293	16	any	any	DET
fsr-4141	293	17	money	money	NOUN
fsr-4141	293	18	(	(	PUNCT
fsr-4141	293	19	%	%	INTJ
fsr-4141	293	20	age	age	NOUN
fsr-4141	293	21	15	15	NUM
fsr-4141	293	22	+	+	NOUN
fsr-4141	293	23	)	)	PUNCT
fsr-4141	293	24	“	"	PUNCT
fsr-4141	293	25	the	the	DET
fsr-4141	293	26	percentage	percentage	NOUN
fsr-4141	293	27	of	of	ADP
fsr-4141	293	28	respondents	respondent	NOUN
fsr-4141	293	29	who	who	PRON
fsr-4141	293	30	report	report	VERB
fsr-4141	293	31	personally	personally	ADV
fsr-4141	293	32	saving	save	VERB
fsr-4141	293	33	or	or	CCONJ
fsr-4141	293	34	setting	set	VERB
fsr-4141	293	35	aside	aside	ADP
fsr-4141	293	36	any	any	DET
fsr-4141	293	37	money	money	NOUN
fsr-4141	293	38	for	for	ADP
fsr-4141	293	39	any	any	DET
fsr-4141	293	40	reason	reason	NOUN
fsr-4141	293	41	and	and	CCONJ
fsr-4141	293	42	using	use	VERB
fsr-4141	293	43	any	any	DET
fsr-4141	293	44	mode	mode	NOUN
fsr-4141	293	45	of	of	ADP
fsr-4141	293	46	saving	save	VERB
fsr-4141	293	47	in	in	ADP
fsr-4141	293	48	the	the	DET
fsr-4141	293	49	past	past	ADJ
fsr-4141	293	50	year	year	NOUN
fsr-4141	293	51	.	.	PUNCT
fsr-4141	293	52	”	"	PUNCT
fsr-4141	294	1	(	(	PUNCT
fsr-4141	294	2	demirgüç	demirgüç	NOUN
fsr-4141	294	3	-	-	PUNCT
fsr-4141	294	4	kunt	kunt	PROPN
fsr-4141	294	5	et	et	PROPN
fsr-4141	294	6	al	al	PROPN
fsr-4141	294	7	.	.	PROPN
fsr-4141	294	8	,	,	PUNCT
fsr-4141	294	9	2022	2022	NUM
fsr-4141	294	10	)	)	PUNCT
fsr-4141	294	11	saved	save	VERB
fsr-4141	294	12	for	for	ADP
fsr-4141	294	13	old	old	ADJ
fsr-4141	294	14	age	age	NOUN
fsr-4141	294	15	(	(	PUNCT
fsr-4141	294	16	%	%	INTJ
fsr-4141	294	17	age	age	NOUN
fsr-4141	294	18	15	15	NUM
fsr-4141	294	19	+	+	NOUN
fsr-4141	294	20	)	)	PUNCT
fsr-4141	294	21	“	"	PUNCT
fsr-4141	294	22	the	the	DET
fsr-4141	294	23	percentage	percentage	NOUN
fsr-4141	294	24	of	of	ADP
fsr-4141	294	25	respondents	respondent	NOUN
fsr-4141	294	26	who	who	PRON
fsr-4141	294	27	report	report	VERB
fsr-4141	294	28	saving	save	VERB
fsr-4141	294	29	or	or	CCONJ
fsr-4141	294	30	setting	set	VERB
fsr-4141	294	31	aside	aside	ADP
fsr-4141	294	32	any	any	DET
fsr-4141	294	33	money	money	NOUN
fsr-4141	294	34	in	in	ADP
fsr-4141	294	35	the	the	DET
fsr-4141	294	36	past	past	ADJ
fsr-4141	294	37	year	year	NOUN
fsr-4141	294	38	for	for	ADP
fsr-4141	294	39	old	old	ADJ
fsr-4141	294	40	age	age	NOUN
fsr-4141	294	41	.	.	PUNCT
fsr-4141	294	42	”	"	PUNCT
fsr-4141	295	1	(	(	PUNCT
fsr-4141	295	2	demirgüç	demirgüç	NOUN
fsr-4141	295	3	-	-	PUNCT
fsr-4141	295	4	kunt	kunt	PROPN
fsr-4141	295	5	et	et	PROPN
fsr-4141	295	6	al	al	PROPN
fsr-4141	295	7	.	.	PROPN
fsr-4141	295	8	,	,	PUNCT
fsr-4141	295	9	2022	2022	NUM
fsr-4141	295	10	)	)	PUNCT
fsr-4141	295	11	saved	save	VERB
fsr-4141	295	12	at	at	ADP
fsr-4141	295	13	a	a	DET
fsr-4141	295	14	financial	financial	ADJ
fsr-4141	295	15	institution	institution	NOUN
fsr-4141	295	16	(	(	PUNCT
fsr-4141	295	17	%	%	INTJ
fsr-4141	295	18	age	age	NOUN
fsr-4141	295	19	15	15	NUM
fsr-4141	295	20	+	+	NOUN
fsr-4141	295	21	)	)	PUNCT
fsr-4141	295	22	“	"	PUNCT
fsr-4141	295	23	the	the	DET
fsr-4141	295	24	percentage	percentage	NOUN
fsr-4141	295	25	of	of	ADP
fsr-4141	295	26	respondents	respondent	NOUN
fsr-4141	295	27	who	who	PRON
fsr-4141	295	28	report	report	VERB
fsr-4141	295	29	saving	save	VERB
fsr-4141	295	30	or	or	CCONJ
fsr-4141	295	31	setting	set	VERB
fsr-4141	295	32	aside	aside	ADP
fsr-4141	295	33	any	any	DET
fsr-4141	295	34	money	money	NOUN
fsr-4141	295	35	at	at	ADP
fsr-4141	295	36	a	a	DET
fsr-4141	295	37	bank	bank	NOUN
fsr-4141	295	38	or	or	CCONJ
fsr-4141	295	39	another	another	DET
fsr-4141	295	40	type	type	NOUN
fsr-4141	295	41	of	of	ADP
fsr-4141	295	42	financial	financial	ADJ
fsr-4141	295	43	institution	institution	NOUN
fsr-4141	295	44	in	in	ADP
fsr-4141	295	45	the	the	DET
fsr-4141	295	46	past	past	ADJ
fsr-4141	295	47	year	year	NOUN
fsr-4141	295	48	.	.	PUNCT
fsr-4141	295	49	”	"	PUNCT
fsr-4141	296	1	(	(	PUNCT
fsr-4141	296	2	demirgüç	demirgüç	NOUN
fsr-4141	296	3	-	-	PUNCT
fsr-4141	296	4	kunt	kunt	PROPN
fsr-4141	296	5	et	et	PROPN
fsr-4141	296	6	al	al	PROPN
fsr-4141	296	7	.	.	PROPN
fsr-4141	296	8	,	,	PUNCT
fsr-4141	296	9	2022	2022	NUM
fsr-4141	296	10	)	)	PUNCT
fsr-4141	296	11	borrowed	borrow	VERB
fsr-4141	296	12	from	from	ADP
fsr-4141	296	13	a	a	DET
fsr-4141	296	14	formal	formal	ADJ
fsr-4141	296	15	financial	financial	ADJ
fsr-4141	296	16	institution	institution	NOUN
fsr-4141	296	17	(	(	PUNCT
fsr-4141	296	18	%	%	INTJ
fsr-4141	296	19	age	age	NOUN
fsr-4141	296	20	15	15	NUM
fsr-4141	296	21	+	+	NOUN
fsr-4141	296	22	)	)	PUNCT
fsr-4141	296	23	the	the	DET
fsr-4141	296	24	percentage	percentage	NOUN
fsr-4141	296	25	of	of	ADP
fsr-4141	296	26	respondents	respondent	NOUN
fsr-4141	296	27	who	who	PRON
fsr-4141	296	28	report	report	VERB
fsr-4141	296	29	borrowing	borrow	VERB
fsr-4141	296	30	any	any	DET
fsr-4141	296	31	money	money	NOUN
fsr-4141	296	32	from	from	ADP
fsr-4141	296	33	a	a	DET
fsr-4141	296	34	bank	bank	NOUN
fsr-4141	296	35	or	or	CCONJ
fsr-4141	296	36	another	another	DET
fsr-4141	296	37	type	type	NOUN
fsr-4141	296	38	of	of	ADP
fsr-4141	296	39	financial	financial	ADJ
fsr-4141	296	40	institution	institution	NOUN
fsr-4141	296	41	or	or	CCONJ
fsr-4141	296	42	using	use	VERB
fsr-4141	296	43	a	a	DET
fsr-4141	296	44	credit	credit	NOUN
fsr-4141	296	45	card	card	NOUN
fsr-4141	296	46	in	in	ADP
fsr-4141	296	47	the	the	DET
fsr-4141	296	48	past	past	ADJ
fsr-4141	296	49	year	year	NOUN
fsr-4141	296	50	.	.	PUNCT
fsr-4141	297	1	use	use	NOUN
fsr-4141	297	2	of	of	ADP
fsr-4141	297	3	financial	financial	ADJ
fsr-4141	297	4	services	service	NOUN
fsr-4141	297	5	,	,	PUNCT
fsr-4141	297	6	number	number	NOUN
fsr-4141	297	7	of	of	ADP
fsr-4141	297	8	cards	card	NOUN
fsr-4141	297	9	,	,	PUNCT
fsr-4141	297	10	debit	debit	VERB
fsr-4141	297	11	cards	card	NOUN
fsr-4141	297	12	the	the	DET
fsr-4141	297	13	total	total	ADJ
fsr-4141	297	14	number	number	NOUN
fsr-4141	297	15	of	of	ADP
fsr-4141	297	16	debit	debit	NOUN
fsr-4141	297	17	cards	card	NOUN
fsr-4141	297	18	in	in	ADP
fsr-4141	297	19	circulation	circulation	NOUN
fsr-4141	297	20	(	(	PUNCT
fsr-4141	297	21	excluding	exclude	VERB
fsr-4141	297	22	expired	expire	VERB
fsr-4141	297	23	and	and	CCONJ
fsr-4141	297	24	withdrawn	withdraw	VERB
fsr-4141	297	25	cards	card	NOUN
fsr-4141	297	26	)	)	PUNCT
fsr-4141	297	27	of	of	ADP
fsr-4141	297	28	all	all	DET
fsr-4141	297	29	financial	financial	ADJ
fsr-4141	297	30	institutions	institution	NOUN
fsr-4141	297	31	in	in	ADP
fsr-4141	297	32	the	the	DET
fsr-4141	297	33	reporting	reporting	NOUN
fsr-4141	297	34	jurisdiction	jurisdiction	NOUN
fsr-4141	297	35	.	.	PUNCT
fsr-4141	298	1	(	(	PUNCT
fsr-4141	298	2	imf	imf	PROPN
fsr-4141	298	3	,	,	PUNCT
fsr-4141	298	4	n.d	n.d	PROPN
fsr-4141	298	5	.	.	PROPN
fsr-4141	298	6	)	)	PUNCT
fsr-4141	299	1	international	international	ADJ
fsr-4141	299	2	monetary	monetary	ADJ
fsr-4141	299	3	fund	fund	NOUN
fsr-4141	299	4	–	–	PUNCT
fsr-4141	299	5	financial	financial	ADJ
fsr-4141	299	6	access	access	NOUN
fsr-4141	299	7	survey	survey	NOUN
fsr-4141	299	8	use	use	NOUN
fsr-4141	299	9	of	of	ADP
fsr-4141	299	10	financial	financial	ADJ
fsr-4141	299	11	services	service	NOUN
fsr-4141	299	12	,	,	PUNCT
fsr-4141	299	13	number	number	NOUN
fsr-4141	299	14	of	of	ADP
fsr-4141	299	15	cards	card	NOUN
fsr-4141	299	16	,	,	PUNCT
fsr-4141	299	17	credit	credit	NOUN
fsr-4141	299	18	cards	card	NOUN
fsr-4141	299	19	the	the	DET
fsr-4141	299	20	total	total	ADJ
fsr-4141	299	21	number	number	NOUN
fsr-4141	299	22	of	of	ADP
fsr-4141	299	23	credit	credit	NOUN
fsr-4141	299	24	cards	card	NOUN
fsr-4141	299	25	in	in	ADP
fsr-4141	299	26	circulation	circulation	NOUN
fsr-4141	299	27	(	(	PUNCT
fsr-4141	299	28	excluding	exclude	VERB
fsr-4141	299	29	expired	expire	VERB
fsr-4141	299	30	and	and	CCONJ
fsr-4141	299	31	withdrawn	withdraw	VERB
fsr-4141	299	32	cards	card	NOUN
fsr-4141	299	33	)	)	PUNCT
fsr-4141	299	34	of	of	ADP
fsr-4141	299	35	all	all	DET
fsr-4141	299	36	financial	financial	ADJ
fsr-4141	299	37	institutions	institution	NOUN
fsr-4141	299	38	in	in	ADP
fsr-4141	299	39	the	the	DET
fsr-4141	299	40	reporting	reporting	NOUN
fsr-4141	299	41	jurisdiction	jurisdiction	NOUN
fsr-4141	299	42	.	.	PUNCT
fsr-4141	300	1	(	(	PUNCT
fsr-4141	300	2	imf	imf	PROPN
fsr-4141	300	3	,	,	PUNCT
fsr-4141	300	4	n.d	n.d	AUX
fsr-4141	300	5	.	.	PROPN
fsr-4141	300	6	)	)	PUNCT
fsr-4141	300	7	education	education	NOUN
fsr-4141	300	8	“	"	PUNCT
fsr-4141	300	9	percentage	percentage	NOUN
fsr-4141	300	10	of	of	ADP
fsr-4141	300	11	youth	youth	NOUN
fsr-4141	300	12	and	and	CCONJ
fsr-4141	300	13	adults	adult	NOUN
fsr-4141	300	14	in	in	ADP
fsr-4141	300	15	a	a	DET
fsr-4141	300	16	given	give	VERB
fsr-4141	300	17	age	age	NOUN
fsr-4141	300	18	range	range	NOUN
fsr-4141	300	19	(	(	PUNCT
fsr-4141	300	20	e.g.	e.g.	ADV
fsr-4141	300	21	15–24	15–24	NUM
fsr-4141	300	22	years	year	NOUN
fsr-4141	300	23	,	,	PUNCT
fsr-4141	300	24	25–64	25–64	NUM
fsr-4141	300	25	years	year	NOUN
fsr-4141	300	26	,	,	PUNCT
fsr-4141	300	27	et	et	NOUN
fsr-4141	300	28	cetera	cetera	NOUN
fsr-4141	300	29	)	)	PUNCT
fsr-4141	300	30	participating	participate	VERB
fsr-4141	300	31	in	in	ADP
fsr-4141	300	32	formal	formal	ADJ
fsr-4141	300	33	or	or	CCONJ
fsr-4141	300	34	nonformal	nonformal	NOUN
fsr-4141	300	35	education	education	NOUN
fsr-4141	300	36	or	or	CCONJ
fsr-4141	300	37	training	training	NOUN
fsr-4141	300	38	in	in	ADP
fsr-4141	300	39	a	a	DET
fsr-4141	300	40	given	give	VERB
fsr-4141	300	41	time	time	NOUN
fsr-4141	300	42	period	period	NOUN
fsr-4141	300	43	(	(	PUNCT
fsr-4141	300	44	e.g.	e.g.	ADV
fsr-4141	300	45	last	last	ADJ
fsr-4141	300	46	12	12	NUM
fsr-4141	300	47	months	month	NOUN
fsr-4141	300	48	)	)	PUNCT
fsr-4141	300	49	.	.	PUNCT
fsr-4141	300	50	”	"	PUNCT
fsr-4141	301	1	(	(	PUNCT
fsr-4141	301	2	uis	uis	PROPN
fsr-4141	301	3	,	,	PUNCT
fsr-4141	301	4	n.d	n.d	PROPN
fsr-4141	301	5	.	.	PROPN
fsr-4141	301	6	)	)	PUNCT
fsr-4141	302	1	unesco	unesco	PROPN
fsr-4141	302	2	institute	institute	PROPN
fsr-4141	302	3	for	for	ADP
fsr-4141	302	4	statistics	statistic	NOUN
fsr-4141	302	5	adult	adult	NOUN
fsr-4141	302	6	participation	participation	NOUN
fsr-4141	302	7	rate	rate	NOUN
fsr-4141	302	8	in	in	ADP
fsr-4141	302	9	learning	learn	VERB
fsr-4141	302	10	the	the	DET
fsr-4141	302	11	adult	adult	NOUN
fsr-4141	302	12	participation	participation	NOUN
fsr-4141	302	13	rate	rate	NOUN
fsr-4141	302	14	in	in	ADP
fsr-4141	302	15	learning	learn	VERB
fsr-4141	302	16	covers	cover	VERB
fsr-4141	302	17	participation	participation	NOUN
fsr-4141	302	18	in	in	ADP
fsr-4141	302	19	formal	formal	ADJ
fsr-4141	302	20	and	and	CCONJ
fsr-4141	302	21	non	non	ADJ
fsr-4141	302	22	-	-	ADJ
fsr-4141	302	23	formal	formal	ADJ
fsr-4141	302	24	education	education	NOUN
fsr-4141	302	25	and	and	CCONJ
fsr-4141	302	26	training	training	NOUN
fsr-4141	302	27	.	.	PUNCT
fsr-4141	303	1	it	it	PRON
fsr-4141	303	2	encompasses	encompass	VERB
fsr-4141	303	3	all	all	DET
fsr-4141	303	4	learning	learn	VERB
fsr-4141	303	5	activities	activity	NOUN
fsr-4141	303	6	undertaken	undertake	VERB
fsr-4141	303	7	with	with	ADP
fsr-4141	303	8	the	the	DET
fsr-4141	303	9	aim	aim	NOUN
fsr-4141	303	10	of	of	ADP
fsr-4141	303	11	improving	improve	VERB
fsr-4141	303	12	knowledge	knowledge	NOUN
fsr-4141	303	13	,	,	PUNCT
fsr-4141	303	14	skills	skill	NOUN
fsr-4141	303	15	,	,	PUNCT
fsr-4141	303	16	and	and	CCONJ
fsr-4141	303	17	competences	competence	NOUN
fsr-4141	303	18	within	within	ADP
fsr-4141	303	19	the	the	DET
fsr-4141	303	20	personal	personal	ADJ
fsr-4141	303	21	,	,	PUNCT
fsr-4141	303	22	civic	civic	ADJ
fsr-4141	303	23	,	,	PUNCT
fsr-4141	303	24	social	social	ADJ
fsr-4141	303	25	,	,	PUNCT
fsr-4141	303	26	or	or	CCONJ
fsr-4141	303	27	employment	employment	NOUN
fsr-4141	303	28	-	-	PUNCT
fsr-4141	303	29	related	relate	VERB
fsr-4141	303	30	domains	domain	NOUN
fsr-4141	303	31	.	.	PUNCT
fsr-4141	304	1	eurostat	eurostat	PROPN
fsr-4141	304	2	financial	financial	ADJ
fsr-4141	304	3	well	well	ADV
fsr-4141	304	4	-	-	PUNCT
fsr-4141	304	5	being	be	AUX
fsr-4141	304	6	average	average	ADJ
fsr-4141	304	7	rating	rating	NOUN
fsr-4141	304	8	of	of	ADP
fsr-4141	304	9	satisfaction	satisfaction	NOUN
fsr-4141	304	10	overall	overall	ADJ
fsr-4141	304	11	life	life	NOUN
fsr-4141	304	12	satisfaction	satisfaction	NOUN
fsr-4141	304	13	.	.	PUNCT
fsr-4141	305	1	distribution	distribution	NOUN
fsr-4141	305	2	of	of	ADP
fsr-4141	305	3	population	population	NOUN
fsr-4141	305	4	aged	age	VERB
fsr-4141	305	5	18	18	NUM
fsr-4141	305	6	and	and	CCONJ
fsr-4141	305	7	over	over	ADV
fsr-4141	305	8	by	by	ADP
fsr-4141	305	9	health	health	NOUN
fsr-4141	305	10	status	status	NOUN
fsr-4141	305	11	very	very	ADV
fsr-4141	305	12	good	good	ADJ
fsr-4141	305	13	distribution	distribution	NOUN
fsr-4141	305	14	of	of	ADP
fsr-4141	305	15	population	population	NOUN
fsr-4141	305	16	aged	age	VERB
fsr-4141	305	17	18	18	NUM
fsr-4141	305	18	to	to	PART
fsr-4141	305	19	64	64	NUM
fsr-4141	305	20	years	year	NOUN
fsr-4141	305	21	who	who	PRON
fsr-4141	305	22	responded	respond	VERB
fsr-4141	305	23	that	that	SCONJ
fsr-4141	305	24	their	their	PRON
fsr-4141	305	25	health	health	NOUN
fsr-4141	305	26	status	status	NOUN
fsr-4141	305	27	is	be	AUX
fsr-4141	305	28	very	very	ADV
fsr-4141	305	29	good	good	ADJ
fsr-4141	305	30	.	.	PUNCT
fsr-4141	306	1	(	(	PUNCT
fsr-4141	306	2	eurostat	eurostat	PROPN
fsr-4141	306	3	,	,	PUNCT
fsr-4141	306	4	n.d	n.d	PROPN
fsr-4141	306	5	.	.	PROPN
fsr-4141	306	6	)	)	PUNCT
fsr-4141	307	1	inflation	inflation	NOUN
fsr-4141	307	2	,	,	PUNCT
fsr-4141	307	3	consumer	consumer	NOUN
fsr-4141	307	4	prices	price	NOUN
fsr-4141	307	5	(	(	PUNCT
fsr-4141	307	6	annual	annual	ADJ
fsr-4141	307	7	%	%	NOUN
fsr-4141	307	8	)	)	PUNCT
fsr-4141	307	9	“	"	PUNCT
fsr-4141	307	10	inflation	inflation	NOUN
fsr-4141	307	11	as	as	SCONJ
fsr-4141	307	12	measured	measure	VERB
fsr-4141	307	13	by	by	ADP
fsr-4141	307	14	the	the	DET
fsr-4141	307	15	consumer	consumer	NOUN
fsr-4141	307	16	price	price	NOUN
fsr-4141	307	17	index	index	NOUN
fsr-4141	307	18	reflects	reflect	VERB
fsr-4141	307	19	the	the	DET
fsr-4141	307	20	annual	annual	ADJ
fsr-4141	307	21	percentage	percentage	NOUN
fsr-4141	307	22	change	change	NOUN
fsr-4141	307	23	in	in	ADP
fsr-4141	307	24	the	the	DET
fsr-4141	307	25	cost	cost	NOUN
fsr-4141	307	26	to	to	ADP
fsr-4141	307	27	the	the	DET
fsr-4141	307	28	average	average	ADJ
fsr-4141	307	29	consumer	consumer	NOUN
fsr-4141	307	30	of	of	ADP
fsr-4141	307	31	acquiring	acquire	VERB
fsr-4141	307	32	a	a	DET
fsr-4141	307	33	basket	basket	NOUN
fsr-4141	307	34	of	of	ADP
fsr-4141	307	35	goods	good	NOUN
fsr-4141	307	36	and	and	CCONJ
fsr-4141	307	37	services	service	NOUN
fsr-4141	307	38	that	that	PRON
fsr-4141	307	39	may	may	AUX
fsr-4141	307	40	be	be	AUX
fsr-4141	307	41	fixed	fix	VERB
fsr-4141	307	42	or	or	CCONJ
fsr-4141	307	43	changed	change	VERB
fsr-4141	307	44	annually	annually	ADV
fsr-4141	307	45	.	.	PUNCT
fsr-4141	307	46	”	"	PUNCT
fsr-4141	308	1	(	(	PUNCT
fsr-4141	308	2	the	the	DET
fsr-4141	308	3	world	world	PROPN
fsr-4141	308	4	bank	bank	PROPN
fsr-4141	308	5	,	,	PUNCT
fsr-4141	308	6	n.d	n.d	PROPN
fsr-4141	308	7	.	.	PROPN
fsr-4141	308	8	)	)	PUNCT
fsr-4141	308	9	world	world	PROPN
fsr-4141	308	10	bank	bank	PROPN
fsr-4141	308	11	–	–	PUNCT
fsr-4141	308	12	world	world	NOUN
fsr-4141	308	13	development	development	NOUN
fsr-4141	308	14	indicators	indicator	NOUN
fsr-4141	308	15	gross	gross	ADJ
fsr-4141	308	16	domestic	domestic	ADJ
fsr-4141	308	17	product	product	NOUN
fsr-4141	308	18	(	(	PUNCT
fsr-4141	308	19	gdp	gdp	NOUN
fsr-4141	308	20	)	)	PUNCT
fsr-4141	308	21	per	per	ADP
fsr-4141	308	22	capita	capita	NOUN
fsr-4141	308	23	growth	growth	NOUN
fsr-4141	308	24	“	"	PUNCT
fsr-4141	308	25	annual	annual	ADJ
fsr-4141	308	26	percentage	percentage	NOUN
fsr-4141	308	27	growth	growth	NOUN
fsr-4141	308	28	rate	rate	NOUN
fsr-4141	308	29	of	of	ADP
fsr-4141	308	30	gdp	gdp	NOUN
fsr-4141	308	31	per	per	ADP
fsr-4141	308	32	capita	capita	NOUN
fsr-4141	308	33	based	base	VERB
fsr-4141	308	34	on	on	ADP
fsr-4141	308	35	constant	constant	ADJ
fsr-4141	308	36	local	local	ADJ
fsr-4141	308	37	currency	currency	NOUN
fsr-4141	308	38	.	.	PUNCT
fsr-4141	309	1	gdp	gdp	NOUN
fsr-4141	309	2	per	per	ADP
fsr-4141	309	3	capita	capita	NOUN
fsr-4141	309	4	is	be	AUX
fsr-4141	309	5	gross	gross	ADJ
fsr-4141	309	6	domestic	domestic	ADJ
fsr-4141	309	7	product	product	NOUN
fsr-4141	309	8	divided	divide	VERB
fsr-4141	309	9	by	by	ADP
fsr-4141	309	10	midyear	midyear	NOUN
fsr-4141	309	11	population	population	NOUN
fsr-4141	309	12	.	.	PUNCT
fsr-4141	309	13	”	"	PUNCT
fsr-4141	310	1	(	(	PUNCT
fsr-4141	310	2	world	world	PROPN
fsr-4141	310	3	bank	bank	PROPN
fsr-4141	310	4	,	,	PUNCT
fsr-4141	310	5	n.d	n.d	PROPN
fsr-4141	310	6	.	.	PROPN
fsr-4141	310	7	)	)	PUNCT