id	sid	tid	token	lemma	pos
fsr-4352	1	1	financial	financial	PROPN
fsr-4352	1	2	services	service	NOUN
fsr-4352	1	3	review	review	NOUN
fsr-4352	1	4	,	,	PUNCT
fsr-4352	1	5	33(3	33(3	NOUN
fsr-4352	1	6	)	)	PUNCT
fsr-4352	1	7	i	i	PRON
fsr-4352	1	8	guest	guest	VERB
fsr-4352	1	9	editorial	editorial	NOUN
fsr-4352	1	10	navigating	navigate	VERB
fsr-4352	1	11	contemporary	contemporary	ADJ
fsr-4352	1	12	fintech	fintech	NOUN
fsr-4352	1	13	solutions	solution	NOUN
fsr-4352	1	14	:	:	PUNCT
fsr-4352	1	15	revealing	reveal	VERB
fsr-4352	1	16	potential	potential	NOUN
fsr-4352	1	17	and	and	CCONJ
fsr-4352	1	18	challenges	challenge	VERB
fsr-4352	1	19	peter	peter	PROPN
fsr-4352	1	20	öhman	öhman	PROPN
fsr-4352	1	21	and	and	CCONJ
fsr-4352	1	22	mustafa	mustafa	PROPN
fsr-4352	1	23	nourallah	nourallah	PROPN
fsr-4352	1	24	centre	centre	PROPN
fsr-4352	1	25	for	for	ADP
fsr-4352	1	26	research	research	NOUN
fsr-4352	1	27	on	on	ADP
fsr-4352	1	28	economic	economic	ADJ
fsr-4352	1	29	relations	relation	NOUN
fsr-4352	1	30	(	(	PUNCT
fsr-4352	1	31	cer	cer	PROPN
fsr-4352	1	32	)	)	PUNCT
fsr-4352	1	33	,	,	PUNCT
fsr-4352	1	34	mid	mid	PROPN
fsr-4352	1	35	sweden	sweden	PROPN
fsr-4352	1	36	university	university	PROPN
fsr-4352	1	37	izidin	izidin	VERB
fsr-4352	1	38	el	el	PROPN
fsr-4352	1	39	kalak	kalak	PROPN
fsr-4352	1	40	alfaisal	alfaisal	PROPN
fsr-4352	1	41	university	university	PROPN
fsr-4352	1	42	,	,	PUNCT
fsr-4352	1	43	ksa	ksa	PROPN
fsr-4352	1	44	towards	towards	ADP
fsr-4352	1	45	fintech	fintech	NOUN
fsr-4352	1	46	advancements	advancement	NOUN
fsr-4352	1	47	individuals	individual	NOUN
fsr-4352	1	48	,	,	PUNCT
fsr-4352	1	49	families	family	NOUN
fsr-4352	1	50	,	,	PUNCT
fsr-4352	1	51	businesses	business	NOUN
fsr-4352	1	52	,	,	PUNCT
fsr-4352	1	53	and	and	CCONJ
fsr-4352	1	54	communities	community	NOUN
fsr-4352	1	55	have	have	AUX
fsr-4352	1	56	witnessed	witness	VERB
fsr-4352	1	57	significant	significant	ADJ
fsr-4352	1	58	advancements	advancement	NOUN
fsr-4352	1	59	in	in	ADP
fsr-4352	1	60	the	the	DET
fsr-4352	1	61	field	field	NOUN
fsr-4352	1	62	of	of	ADP
fsr-4352	1	63	financial	financial	ADJ
fsr-4352	1	64	technology	technology	NOUN
fsr-4352	1	65	(	(	PUNCT
fsr-4352	1	66	fintech	fintech	NOUN
fsr-4352	1	67	)	)	PUNCT
fsr-4352	1	68	,	,	PUNCT
fsr-4352	1	69	which	which	PRON
fsr-4352	1	70	shows	show	VERB
fsr-4352	1	71	promising	promising	ADJ
fsr-4352	1	72	prospects	prospect	NOUN
fsr-4352	1	73	but	but	CCONJ
fsr-4352	1	74	also	also	ADV
fsr-4352	1	75	substantial	substantial	ADJ
fsr-4352	1	76	challenges	challenge	NOUN
fsr-4352	1	77	(	(	PUNCT
fsr-4352	1	78	fulk	fulk	PROPN
fsr-4352	1	79	et	et	PROPN
fsr-4352	1	80	al	al	PROPN
fsr-4352	1	81	.	.	PROPN
fsr-4352	1	82	,	,	PUNCT
fsr-4352	1	83	2018	2018	NUM
fsr-4352	1	84	)	)	PUNCT
fsr-4352	1	85	.	.	PUNCT
fsr-4352	2	1	according	accord	VERB
fsr-4352	2	2	to	to	ADP
fsr-4352	2	3	the	the	DET
fsr-4352	2	4	international	international	ADJ
fsr-4352	2	5	monetary	monetary	ADJ
fsr-4352	2	6	fund	fund	NOUN
fsr-4352	2	7	(	(	PUNCT
fsr-4352	2	8	2023	2023	NUM
fsr-4352	2	9	)	)	PUNCT
fsr-4352	2	10	,	,	PUNCT
fsr-4352	2	11	regions	region	NOUN
fsr-4352	2	12	worldwide	worldwide	ADV
fsr-4352	2	13	have	have	AUX
fsr-4352	2	14	seen	see	VERB
fsr-4352	2	15	an	an	DET
fsr-4352	2	16	increase	increase	NOUN
fsr-4352	2	17	in	in	ADP
fsr-4352	2	18	the	the	DET
fsr-4352	2	19	use	use	NOUN
fsr-4352	2	20	of	of	ADP
fsr-4352	2	21	digital	digital	ADJ
fsr-4352	2	22	financial	financial	ADJ
fsr-4352	2	23	services	service	NOUN
fsr-4352	2	24	.	.	PUNCT
fsr-4352	3	1	in	in	ADP
fsr-4352	3	2	2014	2014	NUM
fsr-4352	3	3	,	,	PUNCT
fsr-4352	3	4	44	44	NUM
fsr-4352	3	5	%	%	NOUN
fsr-4352	3	6	of	of	ADP
fsr-4352	3	7	people	people	NOUN
fsr-4352	3	8	worldwide	worldwide	ADV
fsr-4352	3	9	made	make	VERB
fsr-4352	3	10	or	or	CCONJ
fsr-4352	3	11	received	receive	VERB
fsr-4352	3	12	a	a	DET
fsr-4352	3	13	digital	digital	ADJ
fsr-4352	3	14	payment	payment	NOUN
fsr-4352	3	15	;	;	PUNCT
fsr-4352	3	16	this	this	DET
fsr-4352	3	17	percentage	percentage	NOUN
fsr-4352	3	18	increased	increase	VERB
fsr-4352	3	19	to	to	ADP
fsr-4352	3	20	52	52	NUM
fsr-4352	3	21	%	%	NOUN
fsr-4352	3	22	in	in	ADP
fsr-4352	3	23	2017	2017	NUM
fsr-4352	3	24	,	,	PUNCT
fsr-4352	3	25	and	and	CCONJ
fsr-4352	3	26	by	by	ADP
fsr-4352	3	27	2021	2021	NUM
fsr-4352	3	28	,	,	PUNCT
fsr-4352	3	29	the	the	DET
fsr-4352	3	30	statistics	statistic	NOUN
fsr-4352	3	31	estimated	estimate	VERB
fsr-4352	3	32	that	that	SCONJ
fsr-4352	3	33	almost	almost	ADV
fsr-4352	3	34	64	64	NUM
fsr-4352	3	35	%	%	NOUN
fsr-4352	3	36	of	of	ADP
fsr-4352	3	37	the	the	DET
fsr-4352	3	38	world	world	NOUN
fsr-4352	3	39	's	's	PART
fsr-4352	3	40	population	population	NOUN
fsr-4352	3	41	used	use	VERB
fsr-4352	3	42	digital	digital	ADJ
fsr-4352	3	43	payments	payment	NOUN
fsr-4352	3	44	(	(	PUNCT
fsr-4352	3	45	demirgüç	demirgüç	NOUN
fsr-4352	3	46	-	-	PUNCT
fsr-4352	3	47	kunt	kunt	PROPN
fsr-4352	3	48	et	et	PROPN
fsr-4352	3	49	al	al	PROPN
fsr-4352	3	50	.	.	PROPN
fsr-4352	3	51	,	,	PUNCT
fsr-4352	3	52	2022	2022	NUM
fsr-4352	3	53	)	)	PUNCT
fsr-4352	3	54	.	.	PUNCT
fsr-4352	4	1	exploring	explore	VERB
fsr-4352	4	2	the	the	DET
fsr-4352	4	3	origins	origin	NOUN
fsr-4352	4	4	of	of	ADP
fsr-4352	4	5	fintech	fintech	NOUN
fsr-4352	4	6	solutions	solution	NOUN
fsr-4352	4	7	takes	take	VERB
fsr-4352	4	8	us	we	PRON
fsr-4352	4	9	on	on	ADP
fsr-4352	4	10	a	a	DET
fsr-4352	4	11	journey	journey	NOUN
fsr-4352	4	12	back	back	ADV
fsr-4352	4	13	to	to	ADP
fsr-4352	4	14	the	the	DET
fsr-4352	4	15	15th	15th	ADJ
fsr-4352	4	16	century	century	NOUN
fsr-4352	4	17	,	,	PUNCT
fsr-4352	4	18	when	when	SCONJ
fsr-4352	4	19	financial	financial	ADJ
fsr-4352	4	20	transactions	transaction	NOUN
fsr-4352	4	21	were	be	AUX
fsr-4352	4	22	carried	carry	VERB
fsr-4352	4	23	out	out	ADP
fsr-4352	4	24	using	use	VERB
fsr-4352	4	25	coins	coin	NOUN
fsr-4352	4	26	.	.	PUNCT
fsr-4352	5	1	it	it	PRON
fsr-4352	5	2	also	also	ADV
fsr-4352	5	3	directs	direct	VERB
fsr-4352	5	4	our	our	PRON
fsr-4352	5	5	attention	attention	NOUN
fsr-4352	5	6	to	to	ADP
fsr-4352	5	7	analog	analog	NOUN
fsr-4352	5	8	technologies	technology	NOUN
fsr-4352	5	9	that	that	PRON
fsr-4352	5	10	enable	enable	VERB
fsr-4352	5	11	people	people	NOUN
fsr-4352	5	12	to	to	PART
fsr-4352	5	13	extract	extract	VERB
fsr-4352	5	14	information	information	NOUN
fsr-4352	5	15	from	from	ADP
fsr-4352	5	16	documents	document	NOUN
fsr-4352	5	17	and	and	CCONJ
fsr-4352	5	18	transmit	transmit	VERB
fsr-4352	5	19	it	it	PRON
fsr-4352	5	20	across	across	ADP
fsr-4352	5	21	long	long	ADJ
fsr-4352	5	22	distances	distance	NOUN
fsr-4352	5	23	(	(	PUNCT
fsr-4352	5	24	alt	alt	ADJ
fsr-4352	5	25	,	,	PUNCT
fsr-4352	5	26	2018	2018	NUM
fsr-4352	5	27	)	)	PUNCT
fsr-4352	5	28	.	.	PUNCT
fsr-4352	6	1	the	the	DET
fsr-4352	6	2	launch	launch	NOUN
fsr-4352	6	3	of	of	ADP
fsr-4352	6	4	smartphones	smartphone	NOUN
fsr-4352	6	5	in	in	ADP
fsr-4352	6	6	2007	2007	NUM
fsr-4352	6	7	represents	represent	VERB
fsr-4352	6	8	a	a	DET
fsr-4352	6	9	significant	significant	ADJ
fsr-4352	6	10	breakthrough	breakthrough	NOUN
fsr-4352	6	11	in	in	ADP
fsr-4352	6	12	fintech	fintech	NOUN
fsr-4352	6	13	history	history	NOUN
fsr-4352	6	14	and	and	CCONJ
fsr-4352	6	15	led	lead	VERB
fsr-4352	6	16	to	to	ADP
fsr-4352	6	17	what	what	PRON
fsr-4352	6	18	is	be	AUX
fsr-4352	6	19	now	now	ADV
fsr-4352	6	20	known	know	VERB
fsr-4352	6	21	as	as	ADP
fsr-4352	6	22	the	the	DET
fsr-4352	6	23	fintech	fintech	NOUN
fsr-4352	6	24	revolution	revolution	NOUN
fsr-4352	6	25	.	.	PUNCT
fsr-4352	7	1	advanced	advanced	ADJ
fsr-4352	7	2	technologies	technology	NOUN
fsr-4352	7	3	,	,	PUNCT
fsr-4352	7	4	such	such	ADJ
fsr-4352	7	5	as	as	ADP
fsr-4352	7	6	blockchain	blockchain	NOUN
fsr-4352	7	7	and	and	CCONJ
fsr-4352	7	8	machine	machine	NOUN
fsr-4352	7	9	learning	learning	NOUN
fsr-4352	7	10	,	,	PUNCT
fsr-4352	7	11	have	have	AUX
fsr-4352	7	12	given	give	VERB
fsr-4352	7	13	rise	rise	NOUN
fsr-4352	7	14	to	to	ADP
fsr-4352	7	15	new	new	ADJ
fsr-4352	7	16	generations	generation	NOUN
fsr-4352	7	17	of	of	ADP
fsr-4352	7	18	fintech	fintech	NOUN
fsr-4352	7	19	solutions	solution	NOUN
fsr-4352	7	20	that	that	PRON
fsr-4352	7	21	enable	enable	VERB
fsr-4352	7	22	individuals	individual	NOUN
fsr-4352	7	23	,	,	PUNCT
fsr-4352	7	24	and	and	CCONJ
fsr-4352	7	25	businesses	business	NOUN
fsr-4352	7	26	,	,	PUNCT
fsr-4352	7	27	to	to	PART
fsr-4352	7	28	make	make	VERB
fsr-4352	7	29	informed	informed	ADJ
fsr-4352	7	30	financial	financial	ADJ
fsr-4352	7	31	decisions	decision	NOUN
fsr-4352	7	32	and	and	CCONJ
fsr-4352	7	33	manage	manage	VERB
fsr-4352	7	34	their	their	PRON
fsr-4352	7	35	finances	finance	NOUN
fsr-4352	7	36	more	more	ADV
fsr-4352	7	37	efficiently	efficiently	ADV
fsr-4352	7	38	(	(	PUNCT
fsr-4352	7	39	nguyen	nguyen	NOUN
fsr-4352	7	40	et	et	PROPN
fsr-4352	7	41	al	al	PROPN
fsr-4352	7	42	.	.	PROPN
fsr-4352	7	43	,	,	PUNCT
fsr-4352	7	44	2023	2023	NUM
fsr-4352	7	45	)	)	PUNCT
fsr-4352	7	46	.	.	PUNCT
fsr-4352	8	1	the	the	DET
fsr-4352	8	2	financial	financial	ADJ
fsr-4352	8	3	industry	industry	NOUN
fsr-4352	8	4	is	be	AUX
fsr-4352	8	5	currently	currently	ADV
fsr-4352	8	6	experiencing	experience	VERB
fsr-4352	8	7	the	the	DET
fsr-4352	8	8	development	development	NOUN
fsr-4352	8	9	of	of	ADP
fsr-4352	8	10	contemporary	contemporary	ADJ
fsr-4352	8	11	fintech	fintech	NOUN
fsr-4352	8	12	solutions	solution	NOUN
fsr-4352	8	13	,	,	PUNCT
fsr-4352	8	14	including	include	VERB
fsr-4352	8	15	financial	financial	ADJ
fsr-4352	8	16	robo	robo	NOUN
fsr-4352	8	17	-	-	PUNCT
fsr-4352	8	18	advisors	advisor	NOUN
fsr-4352	8	19	and	and	CCONJ
fsr-4352	8	20	the	the	DET
fsr-4352	8	21	potential	potential	ADJ
fsr-4352	8	22	issue	issue	NOUN
fsr-4352	8	23	of	of	ADP
fsr-4352	8	24	central	central	ADJ
fsr-4352	8	25	bank	bank	PROPN
fsr-4352	8	26	digital	digital	ADJ
fsr-4352	8	27	currency	currency	NOUN
fsr-4352	8	28	(	(	PUNCT
fsr-4352	8	29	cbdc	cbdc	NOUN
fsr-4352	8	30	)	)	PUNCT
fsr-4352	8	31	.	.	PUNCT
fsr-4352	9	1	these	these	DET
fsr-4352	9	2	solutions	solution	NOUN
fsr-4352	9	3	,	,	PUNCT
fsr-4352	9	4	among	among	ADP
fsr-4352	9	5	others	other	NOUN
fsr-4352	9	6	,	,	PUNCT
fsr-4352	9	7	will	will	AUX
fsr-4352	9	8	likely	likely	ADV
fsr-4352	9	9	reshape	reshape	VERB
fsr-4352	9	10	the	the	DET
fsr-4352	9	11	financial	financial	ADJ
fsr-4352	9	12	landscape	landscape	NOUN
fsr-4352	9	13	(	(	PUNCT
fsr-4352	9	14	nourallah	nourallah	VERB
fsr-4352	9	15	et	et	PROPN
fsr-4352	9	16	al	al	PROPN
fsr-4352	9	17	.	.	PROPN
fsr-4352	9	18	,	,	PUNCT
fsr-4352	9	19	2025	2025	NUM
fsr-4352	9	20	)	)	PUNCT
fsr-4352	9	21	.	.	PUNCT
fsr-4352	10	1	qin	qin	PROPN
fsr-4352	10	2	et	et	PROPN
fsr-4352	10	3	al	al	PROPN
fsr-4352	10	4	.	.	PROPN
fsr-4352	11	1	(	(	PUNCT
fsr-4352	11	2	2024	2024	NUM
fsr-4352	11	3	)	)	PUNCT
fsr-4352	11	4	suggested	suggest	VERB
fsr-4352	11	5	a	a	DET
fsr-4352	11	6	strong	strong	ADJ
fsr-4352	11	7	and	and	CCONJ
fsr-4352	11	8	positive	positive	ADJ
fsr-4352	11	9	correlation	correlation	NOUN
fsr-4352	11	10	between	between	ADP
fsr-4352	11	11	fintech	fintech	NOUN
fsr-4352	11	12	and	and	CCONJ
fsr-4352	11	13	the	the	DET
fsr-4352	11	14	green	green	PROPN
fsr-4352	11	15	environmental	environmental	PROPN
fsr-4352	11	16	index	index	NOUN
fsr-4352	11	17	,	,	PUNCT
fsr-4352	11	18	while	while	SCONJ
fsr-4352	11	19	d'acunto	d'acunto	PROPN
fsr-4352	11	20	&	&	CCONJ
fsr-4352	11	21	rossi	rossi	PROPN
fsr-4352	11	22	.	.	PUNCT
fsr-4352	12	1	(	(	PUNCT
fsr-4352	12	2	2023	2023	NUM
fsr-4352	12	3	)	)	PUNCT
fsr-4352	12	4	argued	argue	VERB
fsr-4352	12	5	that	that	SCONJ
fsr-4352	12	6	financial	financial	ADJ
fsr-4352	12	7	robo	robo	NOUN
fsr-4352	12	8	-	-	PUNCT
fsr-4352	12	9	advisors	advisor	NOUN
fsr-4352	12	10	may	may	AUX
fsr-4352	12	11	help	help	VERB
fsr-4352	12	12	improve	improve	VERB
fsr-4352	12	13	financial	financial	ADJ
fsr-4352	12	14	literacy	literacy	NOUN
fsr-4352	12	15	,	,	PUNCT
fsr-4352	12	16	and	and	CCONJ
fsr-4352	12	17	andolfatto	andolfatto	NOUN
fsr-4352	12	18	et	et	PROPN
fsr-4352	12	19	al	al	PROPN
fsr-4352	12	20	.	.	PROPN
fsr-4352	13	1	(	(	PUNCT
fsr-4352	13	2	2021	2021	NUM
fsr-4352	13	3	)	)	PUNCT
fsr-4352	13	4	predicted	predict	VERB
fsr-4352	13	5	a	a	DET
fsr-4352	13	6	positive	positive	ADJ
fsr-4352	13	7	role	role	NOUN
fsr-4352	13	8	of	of	ADP
fsr-4352	13	9	cbdc	cbdc	NOUN
fsr-4352	13	10	in	in	ADP
fsr-4352	13	11	enhancing	enhance	VERB
fsr-4352	13	12	financial	financial	ADJ
fsr-4352	13	13	inclusion	inclusion	NOUN
fsr-4352	13	14	.	.	PUNCT
fsr-4352	14	1	in	in	ADP
fsr-4352	14	2	parallel	parallel	NOUN
fsr-4352	14	3	,	,	PUNCT
fsr-4352	14	4	these	these	DET
fsr-4352	14	5	solutions	solution	NOUN
fsr-4352	14	6	come	come	VERB
fsr-4352	14	7	with	with	ADP
fsr-4352	14	8	their	their	PRON
fsr-4352	14	9	own	own	ADJ
fsr-4352	14	10	set	set	NOUN
fsr-4352	14	11	of	of	ADP
fsr-4352	14	12	challenges	challenge	NOUN
fsr-4352	14	13	,	,	PUNCT
fsr-4352	14	14	including	include	VERB
fsr-4352	14	15	behavioral	behavioral	ADJ
fsr-4352	14	16	issues	issue	NOUN
fsr-4352	14	17	related	relate	VERB
fsr-4352	14	18	to	to	ADP
fsr-4352	14	19	emerging	emerge	VERB
fsr-4352	14	20	e	e	ADJ
fsr-4352	14	21	-	-	ADJ
fsr-4352	14	22	banking	banking	ADJ
fsr-4352	14	23	technologies	technology	NOUN
fsr-4352	14	24	(	(	PUNCT
fsr-4352	14	25	gomber	gomber	PROPN
fsr-4352	14	26	et	et	PROPN
fsr-4352	14	27	al	al	PROPN
fsr-4352	14	28	.	.	PROPN
fsr-4352	14	29	,	,	PUNCT
fsr-4352	14	30	2017	2017	NUM
fsr-4352	14	31	)	)	PUNCT
fsr-4352	14	32	,	,	PUNCT
fsr-4352	14	33	and	and	CCONJ
fsr-4352	14	34	contemporary	contemporary	ADJ
fsr-4352	14	35	solutions	solution	NOUN
fsr-4352	14	36	can	can	AUX
fsr-4352	14	37	also	also	ADV
fsr-4352	14	38	be	be	AUX
fsr-4352	14	39	associated	associate	VERB
fsr-4352	14	40	with	with	ADP
fsr-4352	14	41	behavioral	behavioral	ADJ
fsr-4352	14	42	biases	bias	NOUN
fsr-4352	14	43	(	(	PUNCT
fsr-4352	14	44	barber	barber	PROPN
fsr-4352	14	45	et	et	PROPN
fsr-4352	14	46	al	al	PROPN
fsr-4352	14	47	.	.	PROPN
fsr-4352	14	48	,	,	PUNCT
fsr-4352	14	49	2022	2022	NUM
fsr-4352	14	50	;	;	PUNCT
fsr-4352	14	51	welch	welch	PROPN
fsr-4352	14	52	,	,	PUNCT
fsr-4352	14	53	2022	2022	NUM
fsr-4352	14	54	)	)	PUNCT
fsr-4352	14	55	.	.	PUNCT
fsr-4352	15	1	in	in	ADP
fsr-4352	15	2	their	their	PRON
fsr-4352	15	3	turn	turn	NOUN
fsr-4352	15	4	,	,	PUNCT
fsr-4352	15	5	bartlett	bartlett	PROPN
fsr-4352	15	6	et	et	PROPN
fsr-4352	15	7	al	al	PROPN
fsr-4352	15	8	.	.	PROPN
fsr-4352	16	1	(	(	PUNCT
fsr-4352	16	2	2022	2022	NUM
fsr-4352	16	3	)	)	PUNCT
fsr-4352	16	4	found	find	VERB
fsr-4352	16	5	that	that	SCONJ
fsr-4352	16	6	fintech	fintech	NOUN
fsr-4352	16	7	lenders	lender	NOUN
fsr-4352	16	8	’	'	PUNCT
fsr-4352	16	9	fees	fee	NOUN
fsr-4352	16	10	could	could	AUX
fsr-4352	16	11	be	be	AUX
fsr-4352	16	12	higher	high	ADJ
fsr-4352	16	13	for	for	ADP
fsr-4352	16	14	minority	minority	NOUN
fsr-4352	16	15	borrowers	borrower	NOUN
fsr-4352	16	16	compared	compare	VERB
fsr-4352	16	17	to	to	ADP
fsr-4352	16	18	non	non	ADJ
fsr-4352	16	19	-	-	ADJ
fsr-4352	16	20	minority	minority	ADJ
fsr-4352	16	21	ones	one	NOUN
fsr-4352	16	22	,	,	PUNCT
fsr-4352	16	23	while	while	SCONJ
fsr-4352	16	24	recent	recent	ADJ
fsr-4352	16	25	studies	study	NOUN
fsr-4352	16	26	shed	shed	VERB
fsr-4352	16	27	light	light	NOUN
fsr-4352	16	28	on	on	ADP
fsr-4352	16	29	issues	issue	NOUN
fsr-4352	16	30	related	relate	VERB
fsr-4352	16	31	to	to	ADP
fsr-4352	16	32	the	the	DET
fsr-4352	16	33	‘	'	PUNCT
fsr-4352	16	34	one	one	NUM
fsr-4352	16	35	size	size	NOUN
fsr-4352	16	36	financial	financial	ADJ
fsr-4352	16	37	services	service	NOUN
fsr-4352	16	38	review	review	NOUN
fsr-4352	16	39	,	,	PUNCT
fsr-4352	16	40	33(3	33(3	NOUN
fsr-4352	16	41	)	)	PUNCT
fsr-4352	16	42	ii	ii	PROPN
fsr-4352	16	43	fits	fit	VERB
fsr-4352	16	44	all	all	DET
fsr-4352	16	45	’	'	PUNCT
fsr-4352	16	46	approach	approach	NOUN
fsr-4352	16	47	used	use	VERB
fsr-4352	16	48	by	by	ADP
fsr-4352	16	49	financial	financial	ADJ
fsr-4352	16	50	robo	robo	NOUN
fsr-4352	16	51	-	-	PUNCT
fsr-4352	16	52	advisors	advisor	NOUN
fsr-4352	16	53	and	and	CCONJ
fsr-4352	16	54	asked	ask	VERB
fsr-4352	16	55	for	for	ADP
fsr-4352	16	56	considering	consider	VERB
fsr-4352	16	57	cultural	cultural	ADJ
fsr-4352	16	58	differences	difference	NOUN
fsr-4352	16	59	when	when	SCONJ
fsr-4352	16	60	developing	develop	VERB
fsr-4352	16	61	these	these	DET
fsr-4352	16	62	solutions	solution	NOUN
fsr-4352	16	63	(	(	PUNCT
fsr-4352	16	64	nourallah	nourallah	ADJ
fsr-4352	16	65	,	,	PUNCT
fsr-4352	16	66	2023	2023	NUM
fsr-4352	16	67	)	)	PUNCT
fsr-4352	16	68	.	.	PUNCT
fsr-4352	17	1	moreover	moreover	ADV
fsr-4352	17	2	,	,	PUNCT
fsr-4352	17	3	das	das	PROPN
fsr-4352	17	4	(	(	PUNCT
fsr-4352	17	5	2019	2019	NUM
fsr-4352	17	6	,	,	PUNCT
fsr-4352	17	7	p.	p.	NOUN
fsr-4352	17	8	1004	1004	NUM
fsr-4352	17	9	)	)	PUNCT
fsr-4352	17	10	highlighted	highlight	VERB
fsr-4352	17	11	the	the	DET
fsr-4352	17	12	dilemma	dilemma	NOUN
fsr-4352	17	13	of	of	ADP
fsr-4352	17	14	”	"	PUNCT
fsr-4352	17	15	garbage	garbage	NOUN
fsr-4352	17	16	-	-	PUNCT
fsr-4352	17	17	in	in	NOUN
fsr-4352	17	18	,	,	PUNCT
fsr-4352	17	19	garbage	garbage	NOUN
fsr-4352	17	20	-	-	PUNCT
fsr-4352	17	21	out	out	NOUN
fsr-4352	17	22	”	"	PUNCT
fsr-4352	17	23	,	,	PUNCT
fsr-4352	17	24	stating	state	VERB
fsr-4352	17	25	that	that	SCONJ
fsr-4352	17	26	‘	'	PUNCT
fsr-4352	17	27	more	more	ADJ
fsr-4352	17	28	data	datum	NOUN
fsr-4352	17	29	does	do	AUX
fsr-4352	17	30	not	not	PART
fsr-4352	17	31	mean	mean	VERB
fsr-4352	17	32	better	well	ADJ
fsr-4352	17	33	results	result	NOUN
fsr-4352	17	34	’	'	PUNCT
fsr-4352	17	35	.	.	PUNCT
fsr-4352	18	1	berg	berg	PROPN
fsr-4352	18	2	et	et	PROPN
fsr-4352	18	3	al	al	PROPN
fsr-4352	18	4	.	.	PROPN
fsr-4352	19	1	(	(	PUNCT
fsr-4352	19	2	2019	2019	NUM
fsr-4352	19	3	)	)	PUNCT
fsr-4352	19	4	further	far	ADV
fsr-4352	19	5	argued	argue	VERB
fsr-4352	19	6	that	that	SCONJ
fsr-4352	19	7	even	even	ADV
fsr-4352	19	8	basic	basic	ADJ
fsr-4352	19	9	digital	digital	ADJ
fsr-4352	19	10	footprint	footprint	NOUN
fsr-4352	19	11	information	information	NOUN
fsr-4352	19	12	,	,	PUNCT
fsr-4352	19	13	such	such	ADJ
fsr-4352	19	14	as	as	ADP
fsr-4352	19	15	the	the	DET
fsr-4352	19	16	type	type	NOUN
fsr-4352	19	17	of	of	ADP
fsr-4352	19	18	mobile	mobile	ADJ
fsr-4352	19	19	system	system	NOUN
fsr-4352	19	20	,	,	PUNCT
fsr-4352	19	21	can	can	AUX
fsr-4352	19	22	disclose	disclose	VERB
fsr-4352	19	23	important	important	ADJ
fsr-4352	19	24	information	information	NOUN
fsr-4352	19	25	about	about	ADP
fsr-4352	19	26	individuals	individual	NOUN
fsr-4352	19	27	’	'	PUNCT
fsr-4352	19	28	financial	financial	ADJ
fsr-4352	19	29	behavior	behavior	NOUN
fsr-4352	19	30	and	and	CCONJ
fsr-4352	19	31	predict	predict	VERB
fsr-4352	19	32	their	their	PRON
fsr-4352	19	33	default	default	NOUN
fsr-4352	19	34	.	.	PUNCT
fsr-4352	20	1	this	this	DET
fsr-4352	20	2	special	special	ADJ
fsr-4352	20	3	issue	issue	NOUN
fsr-4352	20	4	aims	aim	VERB
fsr-4352	20	5	to	to	PART
fsr-4352	20	6	explore	explore	VERB
fsr-4352	20	7	the	the	DET
fsr-4352	20	8	advancements	advancement	NOUN
fsr-4352	20	9	offered	offer	VERB
fsr-4352	20	10	by	by	ADP
fsr-4352	20	11	contemporary	contemporary	ADJ
fsr-4352	20	12	fintech	fintech	NOUN
fsr-4352	20	13	solutions	solution	NOUN
fsr-4352	20	14	while	while	SCONJ
fsr-4352	20	15	also	also	ADV
fsr-4352	20	16	examining	examine	VERB
fsr-4352	20	17	the	the	DET
fsr-4352	20	18	concerns	concern	NOUN
fsr-4352	20	19	associated	associate	VERB
fsr-4352	20	20	with	with	ADP
fsr-4352	20	21	these	these	DET
fsr-4352	20	22	solutions	solution	NOUN
fsr-4352	20	23	.	.	PUNCT
fsr-4352	21	1	it	it	PRON
fsr-4352	21	2	also	also	ADV
fsr-4352	21	3	encourages	encourage	VERB
fsr-4352	21	4	discussions	discussion	NOUN
fsr-4352	21	5	beyond	beyond	ADP
fsr-4352	21	6	the	the	DET
fsr-4352	21	7	traditional	traditional	ADJ
fsr-4352	21	8	work	work	NOUN
fsr-4352	21	9	of	of	ADP
fsr-4352	21	10	fraud	fraud	NOUN
fsr-4352	21	11	and	and	CCONJ
fsr-4352	21	12	security	security	NOUN
fsr-4352	21	13	,	,	PUNCT
fsr-4352	21	14	addressing	address	VERB
fsr-4352	21	15	various	various	ADJ
fsr-4352	21	16	concerns	concern	NOUN
fsr-4352	21	17	surrounding	surround	VERB
fsr-4352	21	18	these	these	DET
fsr-4352	21	19	solutions	solution	NOUN
fsr-4352	21	20	.	.	PUNCT
fsr-4352	22	1	contributions	contribution	NOUN
fsr-4352	22	2	to	to	ADP
fsr-4352	22	3	this	this	DET
fsr-4352	22	4	special	special	ADJ
fsr-4352	22	5	issue	issue	NOUN
fsr-4352	22	6	we	we	PRON
fsr-4352	22	7	are	be	AUX
fsr-4352	22	8	grateful	grateful	ADJ
fsr-4352	22	9	for	for	ADP
fsr-4352	22	10	the	the	DET
fsr-4352	22	11	contributions	contribution	NOUN
fsr-4352	22	12	submitted	submit	VERB
fsr-4352	22	13	to	to	ADP
fsr-4352	22	14	our	our	PRON
fsr-4352	22	15	special	special	ADJ
fsr-4352	22	16	issue	issue	NOUN
fsr-4352	22	17	.	.	PUNCT
fsr-4352	23	1	following	follow	VERB
fsr-4352	23	2	the	the	DET
fsr-4352	23	3	peerreview	peerreview	NOUN
fsr-4352	23	4	process	process	NOUN
fsr-4352	23	5	,	,	PUNCT
fsr-4352	23	6	four	four	NUM
fsr-4352	23	7	papers	paper	NOUN
fsr-4352	23	8	have	have	AUX
fsr-4352	23	9	been	be	AUX
fsr-4352	23	10	accepted	accept	VERB
fsr-4352	23	11	for	for	ADP
fsr-4352	23	12	publication	publication	NOUN
fsr-4352	23	13	.	.	PUNCT
fsr-4352	24	1	the	the	DET
fsr-4352	24	2	first	first	ADJ
fsr-4352	24	3	study	study	NOUN
fsr-4352	24	4	by	by	ADP
fsr-4352	24	5	brockbank	brockbank	PROPN
fsr-4352	24	6	et	et	PROPN
fsr-4352	24	7	al	al	PROPN
fsr-4352	24	8	.	.	PROPN
fsr-4352	24	9	used	use	VERB
fsr-4352	24	10	human	human	ADJ
fsr-4352	24	11	capital	capital	NOUN
fsr-4352	24	12	theory	theory	NOUN
fsr-4352	24	13	to	to	PART
fsr-4352	24	14	examine	examine	VERB
fsr-4352	24	15	whether	whether	SCONJ
fsr-4352	24	16	the	the	DET
fsr-4352	24	17	use	use	NOUN
fsr-4352	24	18	of	of	ADP
fsr-4352	24	19	financial	financial	ADJ
fsr-4352	24	20	advisors	advisor	NOUN
fsr-4352	24	21	is	be	AUX
fsr-4352	24	22	associated	associate	VERB
fsr-4352	24	23	with	with	ADP
fsr-4352	24	24	household	household	NOUN
fsr-4352	24	25	investment	investment	NOUN
fsr-4352	24	26	in	in	ADP
fsr-4352	24	27	cryptocurrencies	cryptocurrencie	NOUN
fsr-4352	24	28	,	,	PUNCT
fsr-4352	24	29	using	use	VERB
fsr-4352	24	30	data	datum	NOUN
fsr-4352	24	31	from	from	ADP
fsr-4352	24	32	the	the	DET
fsr-4352	24	33	2018	2018	NUM
fsr-4352	24	34	national	national	ADJ
fsr-4352	24	35	financial	financial	ADJ
fsr-4352	24	36	capabilities	capability	NOUN
fsr-4352	24	37	study	study	NOUN
fsr-4352	24	38	(	(	PUNCT
fsr-4352	24	39	nfcs	nfc	NOUN
fsr-4352	24	40	)	)	PUNCT
fsr-4352	24	41	in	in	ADP
fsr-4352	24	42	the	the	DET
fsr-4352	24	43	united	united	PROPN
fsr-4352	24	44	states	states	PROPN
fsr-4352	24	45	.	.	PUNCT
fsr-4352	25	1	brockbank	brockbank	INTJ
fsr-4352	25	2	et	et	PROPN
fsr-4352	25	3	al	al	PROPN
fsr-4352	25	4	.	.	PROPN
fsr-4352	25	5	find	find	VERB
fsr-4352	25	6	that	that	SCONJ
fsr-4352	25	7	households	household	NOUN
fsr-4352	25	8	consulting	consult	VERB
fsr-4352	25	9	financial	financial	ADJ
fsr-4352	25	10	advisors	advisor	NOUN
fsr-4352	25	11	are	be	AUX
fsr-4352	25	12	more	more	ADV
fsr-4352	25	13	likely	likely	ADJ
fsr-4352	25	14	to	to	PART
fsr-4352	25	15	invest	invest	VERB
fsr-4352	25	16	in	in	ADP
fsr-4352	25	17	cryptocurrencies	cryptocurrencie	NOUN
fsr-4352	25	18	.	.	PUNCT
fsr-4352	26	1	additionally	additionally	ADV
fsr-4352	26	2	,	,	PUNCT
fsr-4352	26	3	they	they	PRON
fsr-4352	26	4	discover	discover	VERB
fsr-4352	26	5	that	that	SCONJ
fsr-4352	26	6	younger	young	ADJ
fsr-4352	26	7	individuals	individual	NOUN
fsr-4352	26	8	,	,	PUNCT
fsr-4352	26	9	married	married	ADJ
fsr-4352	26	10	people	people	NOUN
fsr-4352	26	11	,	,	PUNCT
fsr-4352	26	12	and	and	CCONJ
fsr-4352	26	13	the	the	DET
fsr-4352	26	14	ones	one	NOUN
fsr-4352	26	15	with	with	ADP
fsr-4352	26	16	higher	high	ADJ
fsr-4352	26	17	subjective	subjective	ADJ
fsr-4352	26	18	financial	financial	ADJ
fsr-4352	26	19	literacy	literacy	NOUN
fsr-4352	26	20	are	be	AUX
fsr-4352	26	21	more	more	ADV
fsr-4352	26	22	likely	likely	ADJ
fsr-4352	26	23	to	to	PART
fsr-4352	26	24	hold	hold	VERB
fsr-4352	26	25	cryptocurrency	cryptocurrency	NOUN
fsr-4352	26	26	investments	investment	NOUN
fsr-4352	26	27	compared	compare	VERB
fsr-4352	26	28	to	to	ADP
fsr-4352	26	29	other	other	ADJ
fsr-4352	26	30	investors	investor	NOUN
fsr-4352	26	31	.	.	PUNCT
fsr-4352	27	1	the	the	DET
fsr-4352	27	2	second	second	ADJ
fsr-4352	27	3	study	study	NOUN
fsr-4352	27	4	examines	examine	VERB
fsr-4352	27	5	how	how	SCONJ
fsr-4352	27	6	the	the	DET
fsr-4352	27	7	use	use	NOUN
fsr-4352	27	8	of	of	ADP
fsr-4352	27	9	fintech	fintech	NOUN
fsr-4352	27	10	influences	influence	VERB
fsr-4352	27	11	consumers	consumer	NOUN
fsr-4352	27	12	'	'	PART
fsr-4352	27	13	emergency	emergency	NOUN
fsr-4352	27	14	fund	fund	NOUN
fsr-4352	27	15	savings	saving	NOUN
fsr-4352	27	16	,	,	PUNCT
fsr-4352	27	17	applying	apply	VERB
fsr-4352	27	18	the	the	DET
fsr-4352	27	19	theory	theory	NOUN
fsr-4352	27	20	of	of	ADP
fsr-4352	27	21	planned	plan	VERB
fsr-4352	27	22	behavior	behavior	NOUN
fsr-4352	27	23	and	and	CCONJ
fsr-4352	27	24	technology	technology	NOUN
fsr-4352	27	25	adoption	adoption	NOUN
fsr-4352	27	26	models	model	NOUN
fsr-4352	27	27	.	.	PUNCT
fsr-4352	28	1	using	use	VERB
fsr-4352	28	2	data	datum	NOUN
fsr-4352	28	3	from	from	ADP
fsr-4352	28	4	453	453	NUM
fsr-4352	28	5	u.s	u.s	PROPN
fsr-4352	28	6	.	.	PROPN
fsr-4352	28	7	respondents	respondent	NOUN
fsr-4352	28	8	collected	collect	VERB
fsr-4352	28	9	in	in	ADP
fsr-4352	28	10	july	july	PROPN
fsr-4352	28	11	2021	2021	NUM
fsr-4352	28	12	,	,	PUNCT
fsr-4352	28	13	chen	chen	PROPN
fsr-4352	28	14	et	et	PROPN
fsr-4352	28	15	al	al	PROPN
fsr-4352	28	16	.	.	PROPN
fsr-4352	28	17	employed	employ	VERB
fsr-4352	28	18	structural	structural	ADJ
fsr-4352	28	19	equation	equation	NOUN
fsr-4352	28	20	modeling	modeling	NOUN
fsr-4352	28	21	to	to	PART
fsr-4352	28	22	examine	examine	VERB
fsr-4352	28	23	the	the	DET
fsr-4352	28	24	links	link	NOUN
fsr-4352	28	25	between	between	ADP
fsr-4352	28	26	intention	intention	NOUN
fsr-4352	28	27	to	to	PART
fsr-4352	28	28	use	use	VERB
fsr-4352	28	29	fintech	fintech	NOUN
fsr-4352	28	30	and	and	CCONJ
fsr-4352	28	31	actual	actual	ADJ
fsr-4352	28	32	saving	saving	NOUN
fsr-4352	28	33	outcomes	outcome	NOUN
fsr-4352	28	34	.	.	PUNCT
fsr-4352	29	1	the	the	DET
fsr-4352	29	2	results	result	NOUN
fsr-4352	29	3	show	show	VERB
fsr-4352	29	4	that	that	SCONJ
fsr-4352	29	5	while	while	SCONJ
fsr-4352	29	6	positive	positive	ADJ
fsr-4352	29	7	attitudes	attitude	NOUN
fsr-4352	29	8	toward	toward	ADP
fsr-4352	29	9	emergency	emergency	NOUN
fsr-4352	29	10	savings	saving	NOUN
fsr-4352	29	11	surprisingly	surprisingly	ADV
fsr-4352	29	12	reduced	reduce	VERB
fsr-4352	29	13	the	the	DET
fsr-4352	29	14	intention	intention	NOUN
fsr-4352	29	15	to	to	PART
fsr-4352	29	16	use	use	VERB
fsr-4352	29	17	fintech	fintech	NOUN
fsr-4352	29	18	,	,	PUNCT
fsr-4352	29	19	subjective	subjective	ADJ
fsr-4352	29	20	norms	norm	NOUN
fsr-4352	29	21	and	and	CCONJ
fsr-4352	29	22	perceived	perceive	VERB
fsr-4352	29	23	behavioral	behavioral	ADJ
fsr-4352	29	24	control	control	NOUN
fsr-4352	29	25	increased	increase	VERB
fsr-4352	29	26	it	it	PRON
fsr-4352	29	27	.	.	PUNCT
fsr-4352	30	1	perceived	perceive	VERB
fsr-4352	30	2	behavioral	behavioral	ADJ
fsr-4352	30	3	control	control	NOUN
fsr-4352	30	4	also	also	ADV
fsr-4352	30	5	directly	directly	ADV
fsr-4352	30	6	supported	support	VERB
fsr-4352	30	7	having	have	VERB
fsr-4352	30	8	adequate	adequate	ADJ
fsr-4352	30	9	savings	saving	NOUN
fsr-4352	30	10	.	.	PUNCT
fsr-4352	31	1	the	the	DET
fsr-4352	31	2	intention	intention	NOUN
fsr-4352	31	3	to	to	PART
fsr-4352	31	4	use	use	VERB
fsr-4352	31	5	fintech	fintech	NOUN
fsr-4352	31	6	was	be	AUX
fsr-4352	31	7	linked	link	VERB
fsr-4352	31	8	to	to	ADP
fsr-4352	31	9	saving	save	VERB
fsr-4352	31	10	apps	app	NOUN
fsr-4352	31	11	and	and	CCONJ
fsr-4352	31	12	websites	website	NOUN
fsr-4352	31	13	,	,	PUNCT
fsr-4352	31	14	but	but	CCONJ
fsr-4352	31	15	only	only	ADV
fsr-4352	31	16	website	website	NOUN
fsr-4352	31	17	use	use	NOUN
fsr-4352	31	18	significantly	significantly	ADV
fsr-4352	31	19	improved	improve	VERB
fsr-4352	31	20	emergency	emergency	NOUN
fsr-4352	31	21	savings	saving	NOUN
fsr-4352	31	22	.	.	PUNCT
fsr-4352	32	1	the	the	DET
fsr-4352	32	2	study	study	NOUN
fsr-4352	32	3	concludes	conclude	VERB
fsr-4352	32	4	that	that	SCONJ
fsr-4352	32	5	both	both	CCONJ
fsr-4352	32	6	the	the	DET
fsr-4352	32	7	intention	intention	NOUN
fsr-4352	32	8	and	and	CCONJ
fsr-4352	32	9	the	the	DET
fsr-4352	32	10	actual	actual	ADJ
fsr-4352	32	11	use	use	NOUN
fsr-4352	32	12	of	of	ADP
fsr-4352	32	13	fintech	fintech	NOUN
fsr-4352	32	14	tools	tool	NOUN
fsr-4352	32	15	are	be	AUX
fsr-4352	32	16	critical	critical	ADJ
fsr-4352	32	17	pathways	pathway	NOUN
fsr-4352	32	18	connecting	connect	VERB
fsr-4352	32	19	psychological	psychological	ADJ
fsr-4352	32	20	factors	factor	NOUN
fsr-4352	32	21	to	to	ADP
fsr-4352	32	22	successful	successful	ADJ
fsr-4352	32	23	saving	saving	NOUN
fsr-4352	32	24	behavior	behavior	NOUN
fsr-4352	32	25	,	,	PUNCT
fsr-4352	32	26	providing	provide	VERB
fsr-4352	32	27	practical	practical	ADJ
fsr-4352	32	28	insights	insight	NOUN
fsr-4352	32	29	for	for	ADP
fsr-4352	32	30	financial	financial	ADJ
fsr-4352	32	31	institutions	institution	NOUN
fsr-4352	32	32	,	,	PUNCT
fsr-4352	32	33	advisors	advisor	NOUN
fsr-4352	32	34	,	,	PUNCT
fsr-4352	32	35	and	and	CCONJ
fsr-4352	32	36	policymakers	policymaker	NOUN
fsr-4352	32	37	seeking	seek	VERB
fsr-4352	32	38	to	to	PART
fsr-4352	32	39	enhance	enhance	VERB
fsr-4352	32	40	household	household	NOUN
fsr-4352	32	41	financial	financial	ADJ
fsr-4352	32	42	resilience	resilience	NOUN
fsr-4352	32	43	.	.	PUNCT
fsr-4352	33	1	in	in	ADP
fsr-4352	33	2	the	the	DET
fsr-4352	33	3	third	third	ADJ
fsr-4352	33	4	study	study	NOUN
fsr-4352	33	5	,	,	PUNCT
fsr-4352	33	6	diab	diab	PROPN
fsr-4352	33	7	et	et	PROPN
fsr-4352	33	8	al	al	PROPN
fsr-4352	33	9	.	.	PROPN
fsr-4352	33	10	utilized	utilize	VERB
fsr-4352	33	11	self	self	NOUN
fsr-4352	33	12	-	-	PUNCT
fsr-4352	33	13	control	control	NOUN
fsr-4352	33	14	theory	theory	NOUN
fsr-4352	33	15	and	and	CCONJ
fsr-4352	33	16	balanced	balanced	ADJ
fsr-4352	33	17	panel	panel	NOUN
fsr-4352	33	18	data	datum	NOUN
fsr-4352	33	19	from	from	ADP
fsr-4352	33	20	2014	2014	NUM
fsr-4352	33	21	,	,	PUNCT
fsr-4352	33	22	2017	2017	NUM
fsr-4352	33	23	,	,	PUNCT
fsr-4352	33	24	and	and	CCONJ
fsr-4352	33	25	2021	2021	NUM
fsr-4352	33	26	to	to	PART
fsr-4352	33	27	investigate	investigate	VERB
fsr-4352	33	28	the	the	DET
fsr-4352	33	29	factors	factor	NOUN
fsr-4352	33	30	influencing	influence	VERB
fsr-4352	33	31	the	the	DET
fsr-4352	33	32	tendency	tendency	NOUN
fsr-4352	33	33	to	to	PART
fsr-4352	33	34	borrow	borrow	VERB
fsr-4352	33	35	from	from	ADP
fsr-4352	33	36	family	family	NOUN
fsr-4352	33	37	and	and	CCONJ
fsr-4352	33	38	friends	friend	NOUN
fsr-4352	33	39	in	in	ADP
fsr-4352	33	40	the	the	DET
fsr-4352	33	41	european	european	PROPN
fsr-4352	33	42	union	union	PROPN
fsr-4352	33	43	,	,	PUNCT
fsr-4352	33	44	highlighting	highlight	VERB
fsr-4352	33	45	the	the	DET
fsr-4352	33	46	crucial	crucial	ADJ
fsr-4352	33	47	role	role	NOUN
fsr-4352	33	48	of	of	ADP
fsr-4352	33	49	debit	debit	NOUN
fsr-4352	33	50	card	card	NOUN
fsr-4352	33	51	usage	usage	NOUN
fsr-4352	33	52	and	and	CCONJ
fsr-4352	33	53	saving	saving	NOUN
fsr-4352	33	54	habits	habit	NOUN
fsr-4352	33	55	in	in	ADP
fsr-4352	33	56	mitigating	mitigate	VERB
fsr-4352	33	57	this	this	DET
fsr-4352	33	58	behavior	behavior	NOUN
fsr-4352	33	59	.	.	PUNCT
fsr-4352	34	1	this	this	DET
fsr-4352	34	2	study	study	NOUN
fsr-4352	34	3	questions	question	VERB
fsr-4352	34	4	the	the	DET
fsr-4352	34	5	effectiveness	effectiveness	NOUN
fsr-4352	34	6	of	of	ADP
fsr-4352	34	7	current	current	ADJ
fsr-4352	34	8	public	public	ADJ
fsr-4352	34	9	financial	financial	ADJ
fsr-4352	34	10	education	education	NOUN
fsr-4352	34	11	initiatives	initiative	NOUN
fsr-4352	34	12	and	and	CCONJ
fsr-4352	34	13	underscores	underscore	VERB
fsr-4352	34	14	the	the	DET
fsr-4352	34	15	need	need	NOUN
fsr-4352	34	16	for	for	ADP
fsr-4352	34	17	more	more	ADV
fsr-4352	34	18	effective	effective	ADJ
fsr-4352	34	19	policy	policy	NOUN
fsr-4352	34	20	development	development	NOUN
fsr-4352	34	21	within	within	ADP
fsr-4352	34	22	the	the	DET
fsr-4352	34	23	evolving	evolve	VERB
fsr-4352	34	24	fintech	fintech	NOUN
fsr-4352	34	25	landscape	landscape	NOUN
fsr-4352	34	26	.	.	PUNCT
fsr-4352	35	1	by	by	ADP
fsr-4352	35	2	shedding	shed	VERB
fsr-4352	35	3	light	light	NOUN
fsr-4352	35	4	on	on	ADP
fsr-4352	35	5	these	these	DET
fsr-4352	35	6	findings	finding	NOUN
fsr-4352	35	7	,	,	PUNCT
fsr-4352	35	8	the	the	DET
fsr-4352	35	9	paper	paper	NOUN
fsr-4352	35	10	increases	increase	VERB
fsr-4352	35	11	our	our	PRON
fsr-4352	35	12	knowledge	knowledge	NOUN
fsr-4352	35	13	of	of	ADP
fsr-4352	35	14	the	the	DET
fsr-4352	35	15	relationship	relationship	NOUN
fsr-4352	35	16	between	between	ADP
fsr-4352	35	17	debit	debit	NOUN
fsr-4352	35	18	card	card	NOUN
fsr-4352	35	19	usage	usage	NOUN
fsr-4352	35	20	and	and	CCONJ
fsr-4352	35	21	borrowing	borrowing	NOUN
fsr-4352	35	22	behavior	behavior	NOUN
fsr-4352	35	23	within	within	ADP
fsr-4352	35	24	the	the	DET
fsr-4352	35	25	european	european	PROPN
fsr-4352	35	26	union	union	PROPN
fsr-4352	35	27	.	.	PUNCT
fsr-4352	36	1	last	last	ADJ
fsr-4352	36	2	but	but	CCONJ
fsr-4352	36	3	not	not	PART
fsr-4352	36	4	least	least	ADJ
fsr-4352	36	5	,	,	PUNCT
fsr-4352	36	6	shekhar	shekhar	PROPN
fsr-4352	36	7	&	&	CCONJ
fsr-4352	36	8	ramesh	ramesh	PROPN
fsr-4352	36	9	investigate	investigate	VERB
fsr-4352	36	10	how	how	SCONJ
fsr-4352	36	11	cbdc	cbdc	NOUN
fsr-4352	36	12	design	design	NOUN
fsr-4352	36	13	impacts	impact	NOUN
fsr-4352	36	14	implementation	implementation	NOUN
fsr-4352	36	15	in	in	ADP
fsr-4352	36	16	emerging	emerge	VERB
fsr-4352	36	17	economies	economy	NOUN
fsr-4352	36	18	with	with	ADP
fsr-4352	36	19	strong	strong	ADJ
fsr-4352	36	20	digital	digital	ADJ
fsr-4352	36	21	infrastructures	infrastructure	NOUN
fsr-4352	36	22	.	.	PUNCT
fsr-4352	37	1	based	base	VERB
fsr-4352	37	2	on	on	ADP
fsr-4352	37	3	interviews	interview	NOUN
fsr-4352	37	4	financial	financial	PROPN
fsr-4352	37	5	services	service	NOUN
fsr-4352	37	6	review	review	NOUN
fsr-4352	37	7	,	,	PUNCT
fsr-4352	37	8	33(3	33(3	NOUN
fsr-4352	37	9	)	)	PUNCT
fsr-4352	37	10	iii	iii	PROPN
fsr-4352	37	11	with	with	ADP
fsr-4352	37	12	22	22	NUM
fsr-4352	37	13	experts	expert	NOUN
fsr-4352	37	14	,	,	PUNCT
fsr-4352	37	15	they	they	PRON
fsr-4352	37	16	find	find	VERB
fsr-4352	37	17	that	that	SCONJ
fsr-4352	37	18	1	1	X
fsr-4352	37	19	)	)	PUNCT
fsr-4352	37	20	a	a	DET
fsr-4352	37	21	two	two	NUM
fsr-4352	37	22	-	-	PUNCT
fsr-4352	37	23	tier	tier	NOUN
fsr-4352	37	24	,	,	PUNCT
fsr-4352	37	25	non	non	ADJ
fsr-4352	37	26	-	-	ADJ
fsr-4352	37	27	interest	interest	NOUN
fsr-4352	37	28	-	-	PUNCT
fsr-4352	37	29	bearing	bear	VERB
fsr-4352	37	30	model	model	NOUN
fsr-4352	37	31	with	with	ADP
fsr-4352	37	32	offline	offline	ADJ
fsr-4352	37	33	access	access	NOUN
fsr-4352	37	34	supports	support	VERB
fsr-4352	37	35	stability	stability	NOUN
fsr-4352	37	36	and	and	CCONJ
fsr-4352	37	37	inclusion	inclusion	NOUN
fsr-4352	37	38	,	,	PUNCT
fsr-4352	37	39	2	2	NUM
fsr-4352	37	40	)	)	PUNCT
fsr-4352	37	41	cbdcs	cbdc	NOUN
fsr-4352	37	42	should	should	AUX
fsr-4352	37	43	complement	complement	VERB
fsr-4352	37	44	,	,	PUNCT
fsr-4352	37	45	not	not	PART
fsr-4352	37	46	replace	replace	VERB
fsr-4352	37	47	,	,	PUNCT
fsr-4352	37	48	existing	exist	VERB
fsr-4352	37	49	payment	payment	NOUN
fsr-4352	37	50	systems	system	NOUN
fsr-4352	37	51	,	,	PUNCT
fsr-4352	37	52	and	and	CCONJ
fsr-4352	37	53	3	3	X
fsr-4352	37	54	)	)	PUNCT
fsr-4352	37	55	phased	phase	VERB
fsr-4352	37	56	implementation	implementation	NOUN
fsr-4352	37	57	with	with	ADP
fsr-4352	37	58	clear	clear	ADJ
fsr-4352	37	59	metrics	metric	NOUN
fsr-4352	37	60	and	and	CCONJ
fsr-4352	37	61	partnerships	partnership	NOUN
fsr-4352	37	62	ensures	ensure	VERB
fsr-4352	37	63	adoption	adoption	NOUN
fsr-4352	37	64	.	.	PUNCT
fsr-4352	38	1	a	a	DET
fsr-4352	38	2	four	four	NUM
fsr-4352	38	3	-	-	PUNCT
fsr-4352	38	4	layer	layer	NOUN
fsr-4352	38	5	design	design	NOUN
fsr-4352	38	6	framework	framework	NOUN
fsr-4352	38	7	highlights	highlight	VERB
fsr-4352	38	8	the	the	DET
fsr-4352	38	9	interplay	interplay	NOUN
fsr-4352	38	10	of	of	ADP
fsr-4352	38	11	technology	technology	NOUN
fsr-4352	38	12	,	,	PUNCT
fsr-4352	38	13	security	security	NOUN
fsr-4352	38	14	,	,	PUNCT
fsr-4352	38	15	finance	finance	NOUN
fsr-4352	38	16	,	,	PUNCT
fsr-4352	38	17	and	and	CCONJ
fsr-4352	38	18	user	user	NOUN
fsr-4352	38	19	experience	experience	NOUN
fsr-4352	38	20	.	.	PUNCT
fsr-4352	39	1	the	the	DET
fsr-4352	39	2	findings	finding	NOUN
fsr-4352	39	3	guide	guide	VERB
fsr-4352	39	4	policymakers	policymaker	NOUN
fsr-4352	39	5	to	to	PART
fsr-4352	39	6	prioritize	prioritize	VERB
fsr-4352	39	7	interoperability	interoperability	NOUN
fsr-4352	39	8	,	,	PUNCT
fsr-4352	39	9	stability	stability	NOUN
fsr-4352	39	10	,	,	PUNCT
fsr-4352	39	11	and	and	CCONJ
fsr-4352	39	12	efficient	efficient	ADJ
fsr-4352	39	13	integration	integration	NOUN
fsr-4352	39	14	.	.	PUNCT
fsr-4352	40	1	conclusion	conclusion	NOUN
fsr-4352	40	2	and	and	CCONJ
fsr-4352	40	3	future	future	ADJ
fsr-4352	40	4	research	research	NOUN
fsr-4352	40	5	avenues	avenue	NOUN
fsr-4352	40	6	technological	technological	ADJ
fsr-4352	40	7	advancements	advancement	NOUN
fsr-4352	40	8	have	have	AUX
fsr-4352	40	9	fundamentally	fundamentally	ADV
fsr-4352	40	10	reshaped	reshape	VERB
fsr-4352	40	11	the	the	DET
fsr-4352	40	12	structure	structure	NOUN
fsr-4352	40	13	of	of	ADP
fsr-4352	40	14	the	the	DET
fsr-4352	40	15	broader	broad	ADJ
fsr-4352	40	16	financial	financial	ADJ
fsr-4352	40	17	sector	sector	NOUN
fsr-4352	40	18	(	(	PUNCT
fsr-4352	40	19	nourallah	nourallah	PROPN
fsr-4352	40	20	&	&	CCONJ
fsr-4352	40	21	öhman	öhman	NOUN
fsr-4352	40	22	,	,	PUNCT
fsr-4352	40	23	2021	2021	NUM
fsr-4352	40	24	)	)	PUNCT
fsr-4352	40	25	.	.	PUNCT
fsr-4352	41	1	these	these	DET
fsr-4352	41	2	transformations	transformation	NOUN
fsr-4352	41	3	have	have	AUX
fsr-4352	41	4	created	create	VERB
fsr-4352	41	5	promising	promising	ADJ
fsr-4352	41	6	opportunities	opportunity	NOUN
fsr-4352	41	7	for	for	ADP
fsr-4352	41	8	delivering	deliver	VERB
fsr-4352	41	9	innovative	innovative	ADJ
fsr-4352	41	10	and	and	CCONJ
fsr-4352	41	11	high	high	ADJ
fsr-4352	41	12	-	-	PUNCT
fsr-4352	41	13	quality	quality	NOUN
fsr-4352	41	14	financial	financial	ADJ
fsr-4352	41	15	services	service	NOUN
fsr-4352	41	16	,	,	PUNCT
fsr-4352	41	17	while	while	SCONJ
fsr-4352	41	18	simultaneously	simultaneously	ADV
fsr-4352	41	19	introduced	introduce	VERB
fsr-4352	41	20	new	new	ADJ
fsr-4352	41	21	challenges	challenge	NOUN
fsr-4352	41	22	that	that	PRON
fsr-4352	41	23	warrant	warrant	VERB
fsr-4352	41	24	careful	careful	ADJ
fsr-4352	41	25	investigation	investigation	NOUN
fsr-4352	41	26	.	.	PUNCT
fsr-4352	42	1	this	this	DET
fsr-4352	42	2	special	special	ADJ
fsr-4352	42	3	issue	issue	NOUN
fsr-4352	42	4	focuses	focus	VERB
fsr-4352	42	5	on	on	ADP
fsr-4352	42	6	fintech	fintech	NOUN
fsr-4352	42	7	,	,	PUNCT
fsr-4352	42	8	exploring	explore	VERB
fsr-4352	42	9	its	its	PRON
fsr-4352	42	10	emerging	emerge	VERB
fsr-4352	42	11	opportunities	opportunity	NOUN
fsr-4352	42	12	and	and	CCONJ
fsr-4352	42	13	associated	associated	ADJ
fsr-4352	42	14	challenges	challenge	NOUN
fsr-4352	42	15	.	.	PUNCT
fsr-4352	43	1	based	base	VERB
fsr-4352	43	2	on	on	ADP
fsr-4352	43	3	the	the	DET
fsr-4352	43	4	findings	finding	NOUN
fsr-4352	43	5	from	from	ADP
fsr-4352	43	6	the	the	DET
fsr-4352	43	7	four	four	NUM
fsr-4352	43	8	empirical	empirical	ADJ
fsr-4352	43	9	studies	study	NOUN
fsr-4352	43	10	,	,	PUNCT
fsr-4352	43	11	it	it	PRON
fsr-4352	43	12	is	be	AUX
fsr-4352	43	13	evident	evident	ADJ
fsr-4352	43	14	that	that	SCONJ
fsr-4352	43	15	fintech	fintech	NOUN
fsr-4352	43	16	plays	play	VERB
fsr-4352	43	17	a	a	DET
fsr-4352	43	18	dynamic	dynamic	ADJ
fsr-4352	43	19	role	role	NOUN
fsr-4352	43	20	in	in	ADP
fsr-4352	43	21	the	the	DET
fsr-4352	43	22	lives	life	NOUN
fsr-4352	43	23	of	of	ADP
fsr-4352	43	24	individuals	individual	NOUN
fsr-4352	43	25	,	,	PUNCT
fsr-4352	43	26	families	family	NOUN
fsr-4352	43	27	,	,	PUNCT
fsr-4352	43	28	businesses	business	NOUN
fsr-4352	43	29	,	,	PUNCT
fsr-4352	43	30	and	and	CCONJ
fsr-4352	43	31	communities	community	NOUN
fsr-4352	43	32	.	.	PUNCT
fsr-4352	44	1	one	one	NUM
fsr-4352	44	2	notable	notable	ADJ
fsr-4352	44	3	trend	trend	NOUN
fsr-4352	44	4	is	be	AUX
fsr-4352	44	5	the	the	DET
fsr-4352	44	6	increasing	increase	VERB
fsr-4352	44	7	interest	interest	NOUN
fsr-4352	44	8	in	in	ADP
fsr-4352	44	9	incorporating	incorporate	VERB
fsr-4352	44	10	cryptocurrencies	cryptocurrencie	NOUN
fsr-4352	44	11	into	into	ADP
fsr-4352	44	12	household	household	NOUN
fsr-4352	44	13	investment	investment	NOUN
fsr-4352	44	14	portfolios	portfolio	NOUN
fsr-4352	44	15	in	in	ADP
fsr-4352	44	16	the	the	DET
fsr-4352	44	17	united	united	PROPN
fsr-4352	44	18	states	states	PROPN
fsr-4352	44	19	(	(	PUNCT
fsr-4352	44	20	brockbank	brockbank	INTJ
fsr-4352	44	21	et	et	PROPN
fsr-4352	44	22	al	al	PROPN
fsr-4352	44	23	.	.	PROPN
fsr-4352	44	24	,	,	PUNCT
fsr-4352	44	25	2025	2025	NUM
fsr-4352	44	26	)	)	PUNCT
fsr-4352	44	27	.	.	PUNCT
fsr-4352	45	1	another	another	DET
fsr-4352	45	2	important	important	ADJ
fsr-4352	45	3	finding	finding	NOUN
fsr-4352	45	4	from	from	ADP
fsr-4352	45	5	the	the	DET
fsr-4352	45	6	same	same	ADJ
fsr-4352	45	7	part	part	NOUN
fsr-4352	45	8	of	of	ADP
fsr-4352	45	9	the	the	DET
fsr-4352	45	10	world	world	NOUN
fsr-4352	45	11	highlights	highlight	VERB
fsr-4352	45	12	the	the	DET
fsr-4352	45	13	role	role	NOUN
fsr-4352	45	14	of	of	ADP
fsr-4352	45	15	fintech	fintech	NOUN
fsr-4352	45	16	platforms	platform	NOUN
fsr-4352	45	17	in	in	ADP
fsr-4352	45	18	enhancing	enhance	VERB
fsr-4352	45	19	households	household	NOUN
fsr-4352	45	20	'	'	PART
fsr-4352	45	21	ability	ability	NOUN
fsr-4352	45	22	to	to	PART
fsr-4352	45	23	build	build	VERB
fsr-4352	45	24	and	and	CCONJ
fsr-4352	45	25	maintain	maintain	VERB
fsr-4352	45	26	emergency	emergency	NOUN
fsr-4352	45	27	funds	fund	NOUN
fsr-4352	45	28	(	(	PUNCT
fsr-4352	45	29	chen	chen	PROPN
fsr-4352	45	30	et	et	PROPN
fsr-4352	45	31	al	al	PROPN
fsr-4352	45	32	.	.	PROPN
fsr-4352	45	33	,	,	PUNCT
fsr-4352	45	34	2025	2025	NUM
fsr-4352	45	35	)	)	PUNCT
fsr-4352	45	36	.	.	PUNCT
fsr-4352	46	1	meanwhile	meanwhile	ADV
fsr-4352	46	2	,	,	PUNCT
fsr-4352	46	3	in	in	ADP
fsr-4352	46	4	the	the	DET
fsr-4352	46	5	european	european	ADJ
fsr-4352	46	6	context	context	NOUN
fsr-4352	46	7	,	,	PUNCT
fsr-4352	46	8	evidence	evidence	NOUN
fsr-4352	46	9	suggests	suggest	VERB
fsr-4352	46	10	that	that	SCONJ
fsr-4352	46	11	the	the	DET
fsr-4352	46	12	use	use	NOUN
fsr-4352	46	13	of	of	ADP
fsr-4352	46	14	structured	structured	ADJ
fsr-4352	46	15	financial	financial	ADJ
fsr-4352	46	16	tools	tool	NOUN
fsr-4352	46	17	can	can	AUX
fsr-4352	46	18	mitigate	mitigate	VERB
fsr-4352	46	19	harmful	harmful	ADJ
fsr-4352	46	20	borrowing	borrowing	NOUN
fsr-4352	46	21	behaviors	behavior	NOUN
fsr-4352	46	22	,	,	PUNCT
fsr-4352	46	23	such	such	ADJ
fsr-4352	46	24	as	as	ADP
fsr-4352	46	25	informal	informal	ADJ
fsr-4352	46	26	lending	lending	NOUN
fsr-4352	46	27	from	from	ADP
fsr-4352	46	28	friends	friend	NOUN
fsr-4352	46	29	and	and	CCONJ
fsr-4352	46	30	family	family	NOUN
fsr-4352	46	31	(	(	PUNCT
fsr-4352	46	32	diab	diab	PROPN
fsr-4352	46	33	et	et	PROPN
fsr-4352	46	34	al	al	PROPN
fsr-4352	46	35	.	.	PROPN
fsr-4352	46	36	,	,	PUNCT
fsr-4352	46	37	2025	2025	NUM
fsr-4352	46	38	)	)	PUNCT
fsr-4352	46	39	.	.	PUNCT
fsr-4352	47	1	in	in	ADP
fsr-4352	47	2	the	the	DET
fsr-4352	47	3	context	context	NOUN
fsr-4352	47	4	of	of	ADP
fsr-4352	47	5	india	india	PROPN
fsr-4352	47	6	,	,	PUNCT
fsr-4352	47	7	a	a	DET
fsr-4352	47	8	conceptual	conceptual	ADJ
fsr-4352	47	9	framework	framework	NOUN
fsr-4352	47	10	for	for	ADP
fsr-4352	47	11	the	the	DET
fsr-4352	47	12	potential	potential	ADJ
fsr-4352	47	13	implementation	implementation	NOUN
fsr-4352	47	14	of	of	ADP
fsr-4352	47	15	cbdc	cbdc	NOUN
fsr-4352	47	16	is	be	AUX
fsr-4352	47	17	proposed	propose	VERB
fsr-4352	47	18	(	(	PUNCT
fsr-4352	47	19	shekhar	shekhar	PROPN
fsr-4352	47	20	&	&	CCONJ
fsr-4352	47	21	ramesh	ramesh	PROPN
fsr-4352	47	22	,	,	PUNCT
fsr-4352	47	23	2025	2025	NUM
fsr-4352	47	24	)	)	PUNCT
fsr-4352	47	25	,	,	PUNCT
fsr-4352	47	26	offering	offer	VERB
fsr-4352	47	27	insights	insight	NOUN
fsr-4352	47	28	into	into	ADP
fsr-4352	47	29	the	the	DET
fsr-4352	47	30	institutional	institutional	ADJ
fsr-4352	47	31	and	and	CCONJ
fsr-4352	47	32	technological	technological	ADJ
fsr-4352	47	33	requirements	requirement	NOUN
fsr-4352	47	34	for	for	ADP
fsr-4352	47	35	its	its	PRON
fsr-4352	47	36	adoption	adoption	NOUN
fsr-4352	47	37	.	.	PUNCT
fsr-4352	48	1	looking	look	VERB
fsr-4352	48	2	ahead	ahead	ADV
fsr-4352	48	3	,	,	PUNCT
fsr-4352	48	4	future	future	ADJ
fsr-4352	48	5	research	research	NOUN
fsr-4352	48	6	in	in	ADP
fsr-4352	48	7	fintech	fintech	NOUN
fsr-4352	48	8	could	could	AUX
fsr-4352	48	9	focus	focus	VERB
fsr-4352	48	10	on	on	ADP
fsr-4352	48	11	three	three	NUM
fsr-4352	48	12	key	key	ADJ
fsr-4352	48	13	areas	area	NOUN
fsr-4352	48	14	that	that	PRON
fsr-4352	48	15	are	be	AUX
fsr-4352	48	16	particularly	particularly	ADV
fsr-4352	48	17	significant	significant	ADJ
fsr-4352	48	18	.	.	PUNCT
fsr-4352	49	1	while	while	SCONJ
fsr-4352	49	2	considerable	considerable	ADJ
fsr-4352	49	3	research	research	NOUN
fsr-4352	49	4	has	have	AUX
fsr-4352	49	5	examined	examine	VERB
fsr-4352	49	6	the	the	DET
fsr-4352	49	7	impact	impact	NOUN
fsr-4352	49	8	of	of	ADP
fsr-4352	49	9	fintech	fintech	NOUN
fsr-4352	49	10	applications	application	NOUN
fsr-4352	49	11	on	on	ADP
fsr-4352	49	12	improving	improve	VERB
fsr-4352	49	13	access	access	NOUN
fsr-4352	49	14	to	to	ADP
fsr-4352	49	15	financial	financial	ADJ
fsr-4352	49	16	services	service	NOUN
fsr-4352	49	17	and	and	CCONJ
fsr-4352	49	18	advancing	advance	VERB
fsr-4352	49	19	financial	financial	ADJ
fsr-4352	49	20	inclusion	inclusion	NOUN
fsr-4352	49	21	,	,	PUNCT
fsr-4352	49	22	there	there	PRON
fsr-4352	49	23	seems	seem	VERB
fsr-4352	49	24	to	to	PART
fsr-4352	49	25	be	be	AUX
fsr-4352	49	26	a	a	DET
fsr-4352	49	27	need	need	NOUN
fsr-4352	49	28	for	for	ADP
fsr-4352	49	29	studies	study	NOUN
fsr-4352	49	30	on	on	ADP
fsr-4352	49	31	their	their	PRON
fsr-4352	49	32	role	role	NOUN
fsr-4352	49	33	in	in	ADP
fsr-4352	49	34	enhancing	enhance	VERB
fsr-4352	49	35	individuals	individual	NOUN
fsr-4352	49	36	'	'	PART
fsr-4352	49	37	capacity	capacity	NOUN
fsr-4352	49	38	for	for	ADP
fsr-4352	49	39	sound	sound	ADJ
fsr-4352	49	40	financial	financial	ADJ
fsr-4352	49	41	decision	decision	NOUN
fsr-4352	49	42	-	-	PUNCT
fsr-4352	49	43	making	making	NOUN
fsr-4352	49	44	.	.	PUNCT
fsr-4352	50	1	this	this	DET
fsr-4352	50	2	gap	gap	NOUN
fsr-4352	50	3	underscores	underscore	VERB
fsr-4352	50	4	the	the	DET
fsr-4352	50	5	importance	importance	NOUN
fsr-4352	50	6	of	of	ADP
fsr-4352	50	7	future	future	ADJ
fsr-4352	50	8	research	research	NOUN
fsr-4352	50	9	aimed	aim	VERB
fsr-4352	50	10	at	at	ADP
fsr-4352	50	11	investigating	investigate	VERB
fsr-4352	50	12	how	how	SCONJ
fsr-4352	50	13	fintech	fintech	NOUN
fsr-4352	50	14	applications	application	NOUN
fsr-4352	50	15	can	can	AUX
fsr-4352	50	16	support	support	VERB
fsr-4352	50	17	users	user	NOUN
fsr-4352	50	18	in	in	ADP
fsr-4352	50	19	making	make	VERB
fsr-4352	50	20	informed	inform	VERB
fsr-4352	50	21	,	,	PUNCT
fsr-4352	50	22	responsible	responsible	ADJ
fsr-4352	50	23	,	,	PUNCT
fsr-4352	50	24	and	and	CCONJ
fsr-4352	50	25	contextually	contextually	ADV
fsr-4352	50	26	appropriate	appropriate	ADJ
fsr-4352	50	27	financial	financial	ADJ
fsr-4352	50	28	choices	choice	NOUN
fsr-4352	50	29	.	.	PUNCT
fsr-4352	51	1	a	a	DET
fsr-4352	51	2	second	second	ADJ
fsr-4352	51	3	research	research	NOUN
fsr-4352	51	4	area	area	NOUN
fsr-4352	51	5	concerns	concern	VERB
fsr-4352	51	6	the	the	DET
fsr-4352	51	7	potential	potential	NOUN
fsr-4352	51	8	of	of	ADP
fsr-4352	51	9	fintech	fintech	NOUN
fsr-4352	51	10	applications	application	NOUN
fsr-4352	51	11	to	to	PART
fsr-4352	51	12	improve	improve	VERB
fsr-4352	51	13	financial	financial	ADJ
fsr-4352	51	14	well	well	ADV
fsr-4352	51	15	-	-	PUNCT
fsr-4352	51	16	being	being	NOUN
fsr-4352	51	17	and	and	CCONJ
fsr-4352	51	18	mitigate	mitigate	VERB
fsr-4352	51	19	financial	financial	ADJ
fsr-4352	51	20	stress	stress	NOUN
fsr-4352	51	21	.	.	PUNCT
fsr-4352	52	1	given	give	VERB
fsr-4352	52	2	the	the	DET
fsr-4352	52	3	integration	integration	NOUN
fsr-4352	52	4	of	of	ADP
fsr-4352	52	5	these	these	DET
fsr-4352	52	6	tools	tool	NOUN
fsr-4352	52	7	into	into	ADP
fsr-4352	52	8	everyday	everyday	ADJ
fsr-4352	52	9	financial	financial	ADJ
fsr-4352	52	10	life	life	NOUN
fsr-4352	52	11	,	,	PUNCT
fsr-4352	52	12	it	it	PRON
fsr-4352	52	13	seems	seem	VERB
fsr-4352	52	14	important	important	ADJ
fsr-4352	52	15	to	to	PART
fsr-4352	52	16	assess	assess	VERB
fsr-4352	52	17	whether	whether	SCONJ
fsr-4352	52	18	and	and	CCONJ
fsr-4352	52	19	how	how	SCONJ
fsr-4352	52	20	they	they	PRON
fsr-4352	52	21	contribute	contribute	VERB
fsr-4352	52	22	to	to	ADP
fsr-4352	52	23	individuals	individual	NOUN
fsr-4352	52	24	’	'	PUNCT
fsr-4352	52	25	sense	sense	NOUN
fsr-4352	52	26	of	of	ADP
fsr-4352	52	27	control	control	NOUN
fsr-4352	52	28	,	,	PUNCT
fsr-4352	52	29	stability	stability	NOUN
fsr-4352	52	30	,	,	PUNCT
fsr-4352	52	31	and	and	CCONJ
fsr-4352	52	32	confidence	confidence	NOUN
fsr-4352	52	33	in	in	ADP
fsr-4352	52	34	their	their	PRON
fsr-4352	52	35	financial	financial	ADJ
fsr-4352	52	36	decisions	decision	NOUN
fsr-4352	52	37	.	.	PUNCT
fsr-4352	53	1	the	the	DET
fsr-4352	53	2	third	third	ADJ
fsr-4352	53	3	and	and	CCONJ
fsr-4352	53	4	most	most	ADV
fsr-4352	53	5	forward	forward	ADV
fsr-4352	53	6	-	-	PUNCT
fsr-4352	53	7	looking	look	VERB
fsr-4352	53	8	area	area	NOUN
fsr-4352	53	9	relates	relate	VERB
fsr-4352	53	10	to	to	ADP
fsr-4352	53	11	the	the	DET
fsr-4352	53	12	role	role	NOUN
fsr-4352	53	13	of	of	ADP
fsr-4352	53	14	artificial	artificial	ADJ
fsr-4352	53	15	intelligence	intelligence	NOUN
fsr-4352	53	16	(	(	PUNCT
fsr-4352	53	17	ai	ai	NOUN
fsr-4352	53	18	)	)	PUNCT
fsr-4352	53	19	in	in	ADP
fsr-4352	53	20	the	the	DET
fsr-4352	53	21	continued	continue	VERB
fsr-4352	53	22	development	development	NOUN
fsr-4352	53	23	of	of	ADP
fsr-4352	53	24	fintech	fintech	NOUN
fsr-4352	53	25	applications	application	NOUN
fsr-4352	53	26	.	.	PUNCT
fsr-4352	54	1	the	the	DET
fsr-4352	54	2	integration	integration	NOUN
fsr-4352	54	3	of	of	ADP
fsr-4352	54	4	ai	ai	NOUN
fsr-4352	54	5	offers	offer	VERB
fsr-4352	54	6	the	the	DET
fsr-4352	54	7	potential	potential	NOUN
fsr-4352	54	8	to	to	PART
fsr-4352	54	9	overcome	overcome	VERB
fsr-4352	54	10	many	many	ADJ
fsr-4352	54	11	of	of	ADP
fsr-4352	54	12	the	the	DET
fsr-4352	54	13	shortcomings	shortcoming	NOUN
fsr-4352	54	14	and	and	CCONJ
fsr-4352	54	15	risks	risk	NOUN
fsr-4352	54	16	previously	previously	ADV
fsr-4352	54	17	identified	identify	VERB
fsr-4352	54	18	in	in	ADP
fsr-4352	54	19	the	the	DET
fsr-4352	54	20	fintech	fintech	NOUN
fsr-4352	54	21	literature	literature	NOUN
fsr-4352	54	22	.	.	PUNCT
fsr-4352	55	1	this	this	PRON
fsr-4352	55	2	could	could	AUX
fsr-4352	55	3	lead	lead	VERB
fsr-4352	55	4	to	to	ADP
fsr-4352	55	5	more	more	ADV
fsr-4352	55	6	personalized	personalized	ADJ
fsr-4352	55	7	,	,	PUNCT
fsr-4352	55	8	adaptive	adaptive	ADJ
fsr-4352	55	9	,	,	PUNCT
fsr-4352	55	10	and	and	CCONJ
fsr-4352	55	11	ethically	ethically	ADV
fsr-4352	55	12	grounded	ground	VERB
fsr-4352	55	13	financial	financial	ADJ
fsr-4352	55	14	tools	tool	NOUN
fsr-4352	55	15	that	that	PRON
fsr-4352	55	16	extend	extend	VERB
fsr-4352	55	17	beyond	beyond	ADP
fsr-4352	55	18	the	the	DET
fsr-4352	55	19	boundaries	boundary	NOUN
fsr-4352	55	20	of	of	ADP
fsr-4352	55	21	traditional	traditional	ADJ
fsr-4352	55	22	financial	financial	ADJ
fsr-4352	55	23	applications	application	NOUN
fsr-4352	55	24	.	.	PUNCT
fsr-4352	56	1	nevertheless	nevertheless	ADV
fsr-4352	56	2	,	,	PUNCT
fsr-4352	56	3	these	these	DET
fsr-4352	56	4	tools	tool	NOUN
fsr-4352	56	5	still	still	ADV
fsr-4352	56	6	require	require	VERB
fsr-4352	56	7	regulation	regulation	NOUN
fsr-4352	56	8	by	by	ADP
fsr-4352	56	9	human	human	NOUN
fsr-4352	56	10	-	-	PUNCT
fsr-4352	56	11	established	establish	VERB
fsr-4352	56	12	authorities	authority	NOUN
fsr-4352	56	13	.	.	PUNCT
fsr-4352	57	1	financial	financial	ADJ
fsr-4352	57	2	services	service	NOUN
fsr-4352	57	3	review	review	NOUN
fsr-4352	57	4	,	,	PUNCT
fsr-4352	57	5	33(3	33(3	NOUN
fsr-4352	57	6	)	)	PUNCT
fsr-4352	57	7	iv	iv	NUM
fsr-4352	57	8	references	reference	NOUN
fsr-4352	57	9	andolfatto	andolfatto	NOUN
fsr-4352	57	10	,	,	PUNCT
fsr-4352	57	11	d.	d.	PROPN
fsr-4352	57	12	(	(	PUNCT
fsr-4352	57	13	2021	2021	NUM
fsr-4352	57	14	)	)	PUNCT
fsr-4352	57	15	.	.	PUNCT
fsr-4352	58	1	assessing	assess	VERB
fsr-4352	58	2	the	the	DET
fsr-4352	58	3	impact	impact	NOUN
fsr-4352	58	4	of	of	ADP
fsr-4352	58	5	central	central	ADJ
fsr-4352	58	6	bank	bank	NOUN
fsr-4352	58	7	digital	digital	ADJ
fsr-4352	58	8	currency	currency	NOUN
fsr-4352	58	9	on	on	ADP
fsr-4352	58	10	private	private	ADJ
fsr-4352	58	11	banks	bank	NOUN
fsr-4352	58	12	.	.	PUNCT
fsr-4352	59	1	the	the	DET
fsr-4352	59	2	economic	economic	ADJ
fsr-4352	59	3	journal	journal	NOUN
fsr-4352	59	4	,	,	PUNCT
fsr-4352	59	5	131(634	131(634	NUM
fsr-4352	59	6	)	)	PUNCT
fsr-4352	59	7	,	,	PUNCT
fsr-4352	59	8	525–540	525–540	NUM
fsr-4352	59	9	.	.	PUNCT
fsr-4352	60	1	alt	alt	PROPN
fsr-4352	60	2	,	,	PUNCT
fsr-4352	60	3	r.	r.	PROPN
fsr-4352	60	4	,	,	PUNCT
fsr-4352	60	5	beck	beck	PROPN
fsr-4352	60	6	,	,	PUNCT
fsr-4352	60	7	r.	r.	PROPN
fsr-4352	60	8	,	,	PUNCT
fsr-4352	60	9	&	&	CCONJ
fsr-4352	60	10	smits	smit	NOUN
fsr-4352	60	11	,	,	PUNCT
fsr-4352	60	12	m.	m.	NOUN
fsr-4352	60	13	t.	t.	PROPN
fsr-4352	60	14	(	(	PUNCT
fsr-4352	60	15	2018	2018	NUM
fsr-4352	60	16	)	)	PUNCT
fsr-4352	60	17	.	.	PUNCT
fsr-4352	61	1	fintech	fintech	NOUN
fsr-4352	61	2	and	and	CCONJ
fsr-4352	61	3	the	the	DET
fsr-4352	61	4	transformation	transformation	NOUN
fsr-4352	61	5	of	of	ADP
fsr-4352	61	6	the	the	DET
fsr-4352	61	7	financial	financial	ADJ
fsr-4352	61	8	industry	industry	NOUN
fsr-4352	61	9	.	.	PUNCT
fsr-4352	62	1	electronic	electronic	ADJ
fsr-4352	62	2	markets	market	NOUN
fsr-4352	62	3	,	,	PUNCT
fsr-4352	62	4	28	28	NUM
fsr-4352	62	5	,	,	PUNCT
fsr-4352	62	6	235–243	235–243	NUM
fsr-4352	62	7	.	.	PUNCT
fsr-4352	63	1	barber	barber	PROPN
fsr-4352	63	2	,	,	PUNCT
fsr-4352	63	3	b.	b.	PROPN
fsr-4352	63	4	m.	m.	PROPN
fsr-4352	63	5	,	,	PUNCT
fsr-4352	63	6	huang	huang	PROPN
fsr-4352	63	7	,	,	PUNCT
fsr-4352	63	8	x.	x.	PROPN
fsr-4352	63	9	,	,	PUNCT
fsr-4352	63	10	odean	odean	ADJ
fsr-4352	63	11	,	,	PUNCT
fsr-4352	63	12	t.	t.	PROPN
fsr-4352	63	13	,	,	PUNCT
fsr-4352	63	14	&	&	CCONJ
fsr-4352	63	15	schwarz	schwarz	PROPN
fsr-4352	63	16	,	,	PUNCT
fsr-4352	63	17	c.	c.	PROPN
fsr-4352	63	18	(	(	PUNCT
fsr-4352	63	19	2022	2022	NUM
fsr-4352	63	20	)	)	PUNCT
fsr-4352	63	21	.	.	PUNCT
fsr-4352	64	1	attention‐induced	attention‐induce	VERB
fsr-4352	64	2	trading	trading	NOUN
fsr-4352	64	3	and	and	CCONJ
fsr-4352	64	4	returns	return	NOUN
fsr-4352	64	5	:	:	PUNCT
fsr-4352	64	6	evidence	evidence	NOUN
fsr-4352	64	7	from	from	ADP
fsr-4352	64	8	robinhood	robinhood	PROPN
fsr-4352	64	9	users	user	NOUN
fsr-4352	64	10	.	.	PUNCT
fsr-4352	65	1	the	the	DET
fsr-4352	65	2	journal	journal	PROPN
fsr-4352	65	3	of	of	ADP
fsr-4352	65	4	finance	finance	NOUN
fsr-4352	65	5	,	,	PUNCT
fsr-4352	65	6	77(6	77(6	NUM
fsr-4352	65	7	)	)	PUNCT
fsr-4352	65	8	,	,	PUNCT
fsr-4352	65	9	3141–3190	3141–3190	NUM
fsr-4352	65	10	.	.	PUNCT
fsr-4352	66	1	bartlett	bartlett	PROPN
fsr-4352	66	2	,	,	PUNCT
fsr-4352	66	3	r.	r.	PROPN
fsr-4352	66	4	,	,	PUNCT
fsr-4352	66	5	morse	morse	PROPN
fsr-4352	66	6	,	,	PUNCT
fsr-4352	66	7	a.	a.	PROPN
fsr-4352	66	8	,	,	PUNCT
fsr-4352	66	9	stanton	stanton	PROPN
fsr-4352	66	10	,	,	PUNCT
fsr-4352	66	11	r.	r.	PROPN
fsr-4352	66	12	,	,	PUNCT
fsr-4352	66	13	&	&	CCONJ
fsr-4352	66	14	wallace	wallace	PROPN
fsr-4352	66	15	,	,	PUNCT
fsr-4352	66	16	n.	n.	NOUN
fsr-4352	66	17	(	(	PUNCT
fsr-4352	66	18	2022	2022	NUM
fsr-4352	66	19	)	)	PUNCT
fsr-4352	66	20	.	.	PUNCT
fsr-4352	67	1	consumer	consumer	NOUN
fsr-4352	67	2	-	-	PUNCT
fsr-4352	67	3	lending	lending	NOUN
fsr-4352	67	4	discrimination	discrimination	NOUN
fsr-4352	67	5	in	in	ADP
fsr-4352	67	6	the	the	DET
fsr-4352	67	7	fintech	fintech	NOUN
fsr-4352	67	8	era	era	NOUN
fsr-4352	67	9	.	.	PUNCT
fsr-4352	68	1	journal	journal	NOUN
fsr-4352	68	2	of	of	ADP
fsr-4352	68	3	financial	financial	ADJ
fsr-4352	68	4	economics	economic	NOUN
fsr-4352	68	5	,	,	PUNCT
fsr-4352	68	6	143(1	143(1	NUM
fsr-4352	68	7	)	)	PUNCT
fsr-4352	68	8	,	,	PUNCT
fsr-4352	68	9	30–56	30–56	NUM
fsr-4352	68	10	.	.	PUNCT
fsr-4352	69	1	berg	berg	PROPN
fsr-4352	69	2	,	,	PUNCT
fsr-4352	69	3	t.	t.	PROPN
fsr-4352	69	4	,	,	PUNCT
fsr-4352	69	5	burg	burg	PROPN
fsr-4352	69	6	,	,	PUNCT
fsr-4352	69	7	v.	v.	PROPN
fsr-4352	69	8	,	,	PUNCT
fsr-4352	69	9	gombović	gombović	PROPN
fsr-4352	69	10	,	,	PUNCT
fsr-4352	69	11	a.	a.	PROPN
fsr-4352	69	12	,	,	PUNCT
fsr-4352	69	13	&	&	CCONJ
fsr-4352	69	14	puri	puri	PROPN
fsr-4352	69	15	,	,	PUNCT
fsr-4352	69	16	m.	m.	NOUN
fsr-4352	69	17	(	(	PUNCT
fsr-4352	69	18	2020	2020	NUM
fsr-4352	69	19	)	)	PUNCT
fsr-4352	69	20	.	.	PUNCT
fsr-4352	70	1	on	on	ADP
fsr-4352	70	2	the	the	DET
fsr-4352	70	3	rise	rise	NOUN
fsr-4352	70	4	of	of	ADP
fsr-4352	70	5	fintechs	fintech	NOUN
fsr-4352	70	6	:	:	PUNCT
fsr-4352	70	7	credit	credit	NOUN
fsr-4352	70	8	scoring	scoring	NOUN
fsr-4352	70	9	using	use	VERB
fsr-4352	70	10	digital	digital	ADJ
fsr-4352	70	11	footprints	footprint	NOUN
fsr-4352	70	12	.	.	PUNCT
fsr-4352	71	1	the	the	DET
fsr-4352	71	2	review	review	NOUN
fsr-4352	71	3	of	of	ADP
fsr-4352	71	4	financial	financial	ADJ
fsr-4352	71	5	studies	study	NOUN
fsr-4352	71	6	,	,	PUNCT
fsr-4352	71	7	33(7	33(7	NUM
fsr-4352	71	8	)	)	PUNCT
fsr-4352	71	9	,	,	PUNCT
fsr-4352	71	10	2845–2897	2845–2897	NUM
fsr-4352	71	11	.	.	PUNCT
fsr-4352	72	1	brockbank	brockbank	PROPN
fsr-4352	72	2	,	,	PUNCT
fsr-4352	72	3	a	a	DET
fsr-4352	72	4	,	,	PUNCT
fsr-4352	72	5	kalenkoski	kalenkoski	ADJ
fsr-4352	72	6	,	,	PUNCT
fsr-4352	72	7	c.	c.	NOUN
fsr-4352	72	8	,	,	PUNCT
fsr-4352	72	9	browning	browning	NOUN
fsr-4352	72	10	,	,	PUNCT
fsr-4352	72	11	c.	c.	PROPN
fsr-4352	72	12	,	,	PUNCT
fsr-4352	72	13	&	&	CCONJ
fsr-4352	72	14	guillemette	guillemette	PROPN
fsr-4352	72	15	,	,	PUNCT
fsr-4352	72	16	m.	m.	NOUN
fsr-4352	72	17	(	(	PUNCT
fsr-4352	72	18	2025	2025	NUM
fsr-4352	72	19	)	)	PUNCT
fsr-4352	72	20	.	.	PUNCT
fsr-4352	73	1	is	be	AUX
fsr-4352	73	2	using	use	VERB
fsr-4352	73	3	a	a	DET
fsr-4352	73	4	financial	financial	ADJ
fsr-4352	73	5	advisor	advisor	NOUN
fsr-4352	73	6	related	relate	VERB
fsr-4352	73	7	to	to	ADP
fsr-4352	73	8	cryptocurrency	cryptocurrency	NOUN
fsr-4352	73	9	investment	investment	NOUN
fsr-4352	73	10	?	?	PUNCT
fsr-4352	74	1	financial	financial	ADJ
fsr-4352	74	2	services	service	NOUN
fsr-4352	74	3	review	review	NOUN
fsr-4352	74	4	,	,	PUNCT
fsr-4352	74	5	33(3	33(3	NOUN
fsr-4352	74	6	)	)	PUNCT
fsr-4352	74	7	,	,	PUNCT
fsr-4352	74	8	1–19	1–19	PROPN
fsr-4352	74	9	.	.	PUNCT
fsr-4352	75	1	chen	chen	PROPN
fsr-4352	75	2	,	,	PUNCT
fsr-4352	75	3	y.	y.	PROPN
fsr-4352	75	4	,	,	PUNCT
fsr-4352	75	5	asebedo	asebedo	PROPN
fsr-4352	75	6	,	,	PUNCT
fsr-4352	75	7	s.	s.	PROPN
fsr-4352	75	8	d.	d.	PROPN
fsr-4352	75	9	,	,	PUNCT
fsr-4352	75	10	little	little	ADJ
fsr-4352	75	11	,	,	PUNCT
fsr-4352	75	12	t.	t.	PROPN
fsr-4352	75	13	d.	d.	PROPN
fsr-4352	75	14	,	,	PUNCT
fsr-4352	75	15	&	&	CCONJ
fsr-4352	75	16	ning	ning	PROPN
fsr-4352	75	17	,	,	PUNCT
fsr-4352	75	18	w.	w.	PROPN
fsr-4352	75	19	(	(	PUNCT
fsr-4352	75	20	2025	2025	NUM
fsr-4352	75	21	)	)	PUNCT
fsr-4352	75	22	.	.	PUNCT
fsr-4352	76	1	from	from	ADP
fsr-4352	76	2	intention	intention	NOUN
fsr-4352	76	3	to	to	ADP
fsr-4352	76	4	adequate	adequate	ADJ
fsr-4352	76	5	emergency	emergency	NOUN
fsr-4352	76	6	fund	fund	NOUN
fsr-4352	76	7	savings	saving	NOUN
fsr-4352	76	8	through	through	ADP
fsr-4352	76	9	fintech	fintech	NOUN
fsr-4352	76	10	use	use	NOUN
fsr-4352	76	11	:	:	PUNCT
fsr-4352	76	12	evidence	evidence	NOUN
fsr-4352	76	13	from	from	ADP
fsr-4352	76	14	a	a	DET
fsr-4352	76	15	u.s	u.s	PROPN
fsr-4352	76	16	.	.	PROPN
fsr-4352	76	17	survey	survey	PROPN
fsr-4352	76	18	study	study	NOUN
fsr-4352	76	19	.	.	PUNCT
fsr-4352	77	1	financial	financial	ADJ
fsr-4352	77	2	services	service	NOUN
fsr-4352	77	3	review	review	NOUN
fsr-4352	77	4	,	,	PUNCT
fsr-4352	77	5	33(3	33(3	NOUN
fsr-4352	77	6	)	)	PUNCT
fsr-4352	77	7	,	,	PUNCT
fsr-4352	77	8	20–47	20–47	NUM
fsr-4352	77	9	.	.	PUNCT
fsr-4352	78	1	d'acunto	d'acunto	PROPN
fsr-4352	78	2	,	,	PUNCT
fsr-4352	78	3	f.	f.	PROPN
fsr-4352	78	4	,	,	PUNCT
fsr-4352	78	5	&	&	CCONJ
fsr-4352	78	6	rossi	rossi	PROPN
fsr-4352	78	7	,	,	PUNCT
fsr-4352	78	8	a.	a.	PROPN
fsr-4352	78	9	g.	g.	PROPN
fsr-4352	78	10	(	(	PUNCT
fsr-4352	78	11	2023	2023	NUM
fsr-4352	78	12	)	)	PUNCT
fsr-4352	78	13	.	.	PUNCT
fsr-4352	79	1	robo	robo	NOUN
fsr-4352	79	2	-	-	PUNCT
fsr-4352	79	3	advice	advice	NOUN
fsr-4352	79	4	:	:	PUNCT
fsr-4352	79	5	transforming	transform	VERB
fsr-4352	79	6	households	household	NOUN
fsr-4352	79	7	into	into	ADP
fsr-4352	79	8	rational	rational	ADJ
fsr-4352	79	9	economic	economic	ADJ
fsr-4352	79	10	agents	agent	NOUN
fsr-4352	79	11	.	.	PUNCT
fsr-4352	80	1	annual	annual	ADJ
fsr-4352	80	2	review	review	NOUN
fsr-4352	80	3	of	of	ADP
fsr-4352	80	4	financial	financial	ADJ
fsr-4352	80	5	economics	economic	NOUN
fsr-4352	80	6	,	,	PUNCT
fsr-4352	80	7	15(1	15(1	NUM
fsr-4352	80	8	)	)	PUNCT
fsr-4352	80	9	,	,	PUNCT
fsr-4352	80	10	543–563	543–563	NUM
fsr-4352	80	11	.	.	PUNCT
fsr-4352	81	1	das	das	PROPN
fsr-4352	81	2	,	,	PUNCT
fsr-4352	81	3	s.	s.	PROPN
fsr-4352	81	4	r.	r.	PROPN
fsr-4352	81	5	(	(	PUNCT
fsr-4352	81	6	2019	2019	NUM
fsr-4352	81	7	)	)	PUNCT
fsr-4352	81	8	.	.	PUNCT
fsr-4352	82	1	the	the	DET
fsr-4352	82	2	future	future	NOUN
fsr-4352	82	3	of	of	ADP
fsr-4352	82	4	fintech	fintech	NOUN
fsr-4352	82	5	.	.	PUNCT
fsr-4352	83	1	financial	financial	ADJ
fsr-4352	83	2	management	management	NOUN
fsr-4352	83	3	,	,	PUNCT
fsr-4352	83	4	48(4	48(4	NUM
fsr-4352	83	5	)	)	PUNCT
fsr-4352	83	6	,	,	PUNCT
fsr-4352	83	7	981–1007	981–1007	NUM
fsr-4352	83	8	.	.	PUNCT
fsr-4352	84	1	diab	diab	PROPN
fsr-4352	84	2	,	,	PUNCT
fsr-4352	84	3	s.	s.	PROPN
fsr-4352	84	4	,	,	PUNCT
fsr-4352	84	5	nourallah	nourallah	ADJ
fsr-4352	84	6	,	,	PUNCT
fsr-4352	84	7	m.	m.	NOUN
fsr-4352	84	8	&	&	CCONJ
fsr-4352	84	9	öhman	öhman	PROPN
fsr-4352	84	10	,	,	PUNCT
fsr-4352	84	11	p.	p.	NOUN
fsr-4352	84	12	(	(	PUNCT
fsr-4352	84	13	2025	2025	NUM
fsr-4352	84	14	)	)	PUNCT
fsr-4352	84	15	.	.	PUNCT
fsr-4352	85	1	borrowing	borrow	VERB
fsr-4352	85	2	from	from	ADP
fsr-4352	85	3	family	family	NOUN
fsr-4352	85	4	and	and	CCONJ
fsr-4352	85	5	friends	friend	NOUN
fsr-4352	85	6	:	:	PUNCT
fsr-4352	85	7	study	study	NOUN
fsr-4352	85	8	of	of	ADP
fsr-4352	85	9	the	the	DET
fsr-4352	85	10	european	european	PROPN
fsr-4352	85	11	union	union	PROPN
fsr-4352	85	12	.	.	PUNCT
fsr-4352	86	1	financial	financial	ADJ
fsr-4352	86	2	services	service	NOUN
fsr-4352	86	3	review	review	NOUN
fsr-4352	86	4	,	,	PUNCT
fsr-4352	86	5	33(3	33(3	NOUN
fsr-4352	86	6	)	)	PUNCT
fsr-4352	86	7	,	,	PUNCT
fsr-4352	86	8	48–60	48–60	PROPN
fsr-4352	86	9	.	.	PUNCT
fsr-4352	87	1	demirgüç	demirgüç	PROPN
fsr-4352	87	2	-	-	PUNCT
fsr-4352	87	3	kunt	kunt	PROPN
fsr-4352	87	4	,	,	PUNCT
fsr-4352	87	5	a.	a.	PROPN
fsr-4352	87	6	,	,	PUNCT
fsr-4352	87	7	klapper	klapper	PROPN
fsr-4352	87	8	,	,	PUNCT
fsr-4352	87	9	l.	l.	PROPN
fsr-4352	87	10	,	,	PUNCT
fsr-4352	87	11	singer	singer	NOUN
fsr-4352	87	12	,	,	PUNCT
fsr-4352	87	13	d.	d.	PROPN
fsr-4352	87	14	,	,	PUNCT
fsr-4352	87	15	&	&	CCONJ
fsr-4352	87	16	ansar	ansar	PROPN
fsr-4352	87	17	,	,	PUNCT
fsr-4352	87	18	s.	s.	PROPN
fsr-4352	87	19	(	(	PUNCT
fsr-4352	87	20	2022	2022	NUM
fsr-4352	87	21	)	)	PUNCT
fsr-4352	87	22	.	.	PUNCT
fsr-4352	88	1	the	the	DET
fsr-4352	88	2	global	global	ADJ
fsr-4352	88	3	findex	findex	PROPN
fsr-4352	88	4	database	database	PROPN
fsr-4352	88	5	2021	2021	NUM
fsr-4352	88	6	.	.	PUNCT
fsr-4352	89	1	the	the	DET
fsr-4352	89	2	world	world	PROPN
fsr-4352	89	3	bank	bank	PROPN
fsr-4352	89	4	.	.	PUNCT
fsr-4352	90	1	https://doi.org/10.1596/978-1-4648-1897-4	https://doi.org/10.1596/978-1-4648-1897-4	NOUN
fsr-4352	90	2	fulk	fulk	PROPN
fsr-4352	90	3	,	,	PUNCT
fsr-4352	90	4	m.	m.	NOUN
fsr-4352	90	5	,	,	PUNCT
fsr-4352	90	6	grabel	grabel	NOUN
fsr-4352	90	7	,	,	PUNCT
fsr-4352	90	8	j.	j.	PROPN
fsr-4352	90	9	,	,	PUNCT
fsr-4352	90	10	watkins	watkins	PROPN
fsr-4352	90	11	,	,	PUNCT
fsr-4352	90	12	k.	k.	PROPN
fsr-4352	90	13	,	,	PUNCT
fsr-4352	90	14	&	&	CCONJ
fsr-4352	90	15	kruger	kruger	PROPN
fsr-4352	90	16	,	,	PUNCT
fsr-4352	90	17	m.	m.	NOUN
fsr-4352	90	18	(	(	PUNCT
fsr-4352	90	19	2018	2018	NUM
fsr-4352	90	20	)	)	PUNCT
fsr-4352	90	21	.	.	PUNCT
fsr-4352	91	1	who	who	PRON
fsr-4352	91	2	uses	use	VERB
fsr-4352	91	3	robo	robo	NOUN
fsr-4352	91	4	-	-	PUNCT
fsr-4352	91	5	advisory	advisory	ADJ
fsr-4352	91	6	services	service	NOUN
fsr-4352	91	7	,	,	PUNCT
fsr-4352	91	8	and	and	CCONJ
fsr-4352	91	9	who	who	PRON
fsr-4352	91	10	does	do	VERB
fsr-4352	91	11	not	not	PART
fsr-4352	91	12	?	?	PUNCT
fsr-4352	92	1	financial	financial	ADJ
fsr-4352	92	2	services	service	NOUN
fsr-4352	92	3	review	review	PROPN
fsr-4352	92	4	,	,	PUNCT
fsr-4352	92	5	27(2	27(2	PRON
fsr-4352	92	6	)	)	PUNCT
fsr-4352	92	7	,	,	PUNCT
fsr-4352	92	8	173–188	173–188	NUM
fsr-4352	92	9	.	.	PUNCT
fsr-4352	93	1	gomber	gomber	PROPN
fsr-4352	93	2	,	,	PUNCT
fsr-4352	93	3	p.	p.	PROPN
fsr-4352	93	4	,	,	PUNCT
fsr-4352	93	5	koch	koch	PROPN
fsr-4352	93	6	,	,	PUNCT
fsr-4352	93	7	j.	j.	PROPN
fsr-4352	93	8	a.	a.	PROPN
fsr-4352	93	9	,	,	PUNCT
fsr-4352	93	10	&	&	CCONJ
fsr-4352	93	11	siering	siering	NOUN
fsr-4352	93	12	,	,	PUNCT
fsr-4352	93	13	m.	m.	NOUN
fsr-4352	93	14	(	(	PUNCT
fsr-4352	93	15	2017	2017	NUM
fsr-4352	93	16	)	)	PUNCT
fsr-4352	93	17	.	.	PUNCT
fsr-4352	94	1	digital	digital	ADJ
fsr-4352	94	2	finance	finance	NOUN
fsr-4352	94	3	and	and	CCONJ
fsr-4352	94	4	fintech	fintech	NOUN
fsr-4352	94	5	:	:	PUNCT
fsr-4352	94	6	current	current	ADJ
fsr-4352	94	7	research	research	NOUN
fsr-4352	94	8	and	and	CCONJ
fsr-4352	94	9	future	future	ADJ
fsr-4352	94	10	research	research	NOUN
fsr-4352	94	11	directions	direction	NOUN
fsr-4352	94	12	.	.	PUNCT
fsr-4352	95	1	journal	journal	NOUN
fsr-4352	95	2	of	of	ADP
fsr-4352	95	3	business	business	NOUN
fsr-4352	95	4	economics	economic	NOUN
fsr-4352	95	5	,	,	PUNCT
fsr-4352	95	6	87	87	NUM
fsr-4352	95	7	,	,	PUNCT
fsr-4352	95	8	537–580	537–580	NUM
fsr-4352	95	9	.	.	PUNCT
fsr-4352	96	1	international	international	ADJ
fsr-4352	96	2	monetary	monetary	ADJ
fsr-4352	96	3	fund	fund	NOUN
fsr-4352	96	4	.	.	PUNCT
fsr-4352	97	1	(	(	PUNCT
fsr-4352	97	2	2023	2023	NUM
fsr-4352	97	3	)	)	PUNCT
fsr-4352	97	4	.	.	PUNCT
fsr-4352	98	1	financial	financial	ADJ
fsr-4352	98	2	access	access	NOUN
fsr-4352	98	3	survey	survey	NOUN
fsr-4352	98	4	2023	2023	NUM
fsr-4352	98	5	trends	trend	NOUN
fsr-4352	98	6	and	and	CCONJ
fsr-4352	98	7	developments	development	NOUN
fsr-4352	98	8	.	.	PUNCT
fsr-4352	99	1	data.imf.org/fas	data.imf.org/fas	NOUN
fsr-4352	99	2	nguyen	nguyen	NOUN
fsr-4352	99	3	,	,	PUNCT
fsr-4352	99	4	d.	d.	PROPN
fsr-4352	99	5	k.	k.	PROPN
fsr-4352	99	6	,	,	PUNCT
fsr-4352	99	7	sermpinis	sermpinis	PROPN
fsr-4352	99	8	,	,	PUNCT
fsr-4352	99	9	g.	g.	PROPN
fsr-4352	99	10	,	,	PUNCT
fsr-4352	99	11	&	&	CCONJ
fsr-4352	99	12	stasinakis	stasinakis	PROPN
fsr-4352	99	13	,	,	PUNCT
fsr-4352	99	14	c.	c.	PROPN
fsr-4352	99	15	(	(	PUNCT
fsr-4352	99	16	2023	2023	NUM
fsr-4352	99	17	)	)	PUNCT
fsr-4352	99	18	.	.	PUNCT
fsr-4352	100	1	big	big	ADJ
fsr-4352	100	2	data	data	PROPN
fsr-4352	100	3	,	,	PUNCT
fsr-4352	100	4	artificial	artificial	ADJ
fsr-4352	100	5	intelligence	intelligence	NOUN
fsr-4352	100	6	and	and	CCONJ
fsr-4352	100	7	machine	machine	NOUN
fsr-4352	100	8	learning	learning	NOUN
fsr-4352	100	9	:	:	PUNCT
fsr-4352	100	10	a	a	DET
fsr-4352	100	11	transformative	transformative	ADJ
fsr-4352	100	12	symbiosis	symbiosis	NOUN
fsr-4352	100	13	in	in	ADP
fsr-4352	100	14	favour	favour	NOUN
fsr-4352	100	15	of	of	ADP
fsr-4352	100	16	financial	financial	ADJ
fsr-4352	100	17	technology	technology	NOUN
fsr-4352	100	18	.	.	PUNCT
fsr-4352	101	1	european	european	ADJ
fsr-4352	101	2	financial	financial	ADJ
fsr-4352	101	3	management	management	NOUN
fsr-4352	101	4	,	,	PUNCT
fsr-4352	101	5	29(2	29(2	NUM
fsr-4352	101	6	)	)	PUNCT
fsr-4352	101	7	,	,	PUNCT
fsr-4352	101	8	517–548	517–548	NUM
fsr-4352	101	9	.	.	PUNCT
fsr-4352	102	1	nourallah	nourallah	PROPN
fsr-4352	102	2	,	,	PUNCT
fsr-4352	102	3	m.	m.	NOUN
fsr-4352	102	4	(	(	PUNCT
fsr-4352	102	5	2023	2023	NUM
fsr-4352	102	6	)	)	PUNCT
fsr-4352	102	7	.	.	PUNCT
fsr-4352	103	1	one	one	NUM
fsr-4352	103	2	size	size	NOUN
fsr-4352	103	3	does	do	AUX
fsr-4352	103	4	not	not	PART
fsr-4352	103	5	fit	fit	VERB
fsr-4352	103	6	all	all	PRON
fsr-4352	103	7	:	:	PUNCT
fsr-4352	103	8	young	young	ADJ
fsr-4352	103	9	retail	retail	ADJ
fsr-4352	103	10	investors	investor	NOUN
fsr-4352	103	11	’	’	PART
fsr-4352	103	12	initial	initial	ADJ
fsr-4352	103	13	trust	trust	NOUN
fsr-4352	103	14	in	in	ADP
fsr-4352	103	15	financial	financial	ADJ
fsr-4352	103	16	robo	robo	NOUN
fsr-4352	103	17	-	-	PUNCT
fsr-4352	103	18	advisors	advisor	NOUN
fsr-4352	103	19	.	.	PUNCT
fsr-4352	104	1	journal	journal	PROPN
fsr-4352	104	2	of	of	ADP
fsr-4352	104	3	business	business	NOUN
fsr-4352	104	4	research	research	NOUN
fsr-4352	104	5	,	,	PUNCT
fsr-4352	104	6	156	156	NUM
fsr-4352	104	7	,	,	PUNCT
fsr-4352	104	8	113470	113470	NUM
fsr-4352	104	9	.	.	PUNCT
fsr-4352	105	1	nourallah	nourallah	PROPN
fsr-4352	105	2	,	,	PUNCT
fsr-4352	105	3	m.	m.	NOUN
fsr-4352	105	4	,	,	PUNCT
fsr-4352	105	5	&	&	CCONJ
fsr-4352	105	6	öhman	öhman	NOUN
fsr-4352	105	7	,	,	PUNCT
fsr-4352	105	8	p.	p.	NOUN
fsr-4352	105	9	(	(	PUNCT
fsr-4352	105	10	2021	2021	NUM
fsr-4352	105	11	)	)	PUNCT
fsr-4352	105	12	.	.	PUNCT
fsr-4352	106	1	impact	impact	NOUN
fsr-4352	106	2	of	of	ADP
fsr-4352	106	3	advanced	advanced	ADJ
fsr-4352	106	4	technologies	technology	NOUN
fsr-4352	106	5	on	on	ADP
fsr-4352	106	6	consumer	consumer	NOUN
fsr-4352	106	7	finance	finance	NOUN
fsr-4352	106	8	and	and	CCONJ
fsr-4352	106	9	retail	retail	ADJ
fsr-4352	106	10	investment	investment	NOUN
fsr-4352	106	11	:	:	PUNCT
fsr-4352	106	12	mobile	mobile	ADJ
fsr-4352	106	13	bank	bank	NOUN
fsr-4352	106	14	applications	application	NOUN
fsr-4352	106	15	and	and	CCONJ
fsr-4352	106	16	robo	robo	NOUN
fsr-4352	106	17	-	-	PUNCT
fsr-4352	106	18	financial	financial	ADJ
fsr-4352	106	19	advisors	advisor	NOUN
fsr-4352	106	20	.	.	PUNCT
fsr-4352	107	1	in	in	ADP
fsr-4352	107	2	impact	impact	NOUN
fsr-4352	107	3	of	of	ADP
fsr-4352	107	4	globalization	globalization	NOUN
fsr-4352	107	5	and	and	CCONJ
fsr-4352	107	6	advanced	advanced	ADJ
fsr-4352	107	7	technologies	technology	NOUN
fsr-4352	107	8	on	on	ADP
fsr-4352	107	9	online	online	ADJ
fsr-4352	107	10	business	business	NOUN
fsr-4352	107	11	models	model	NOUN
fsr-4352	107	12	(	(	PUNCT
fsr-4352	107	13	pp	pp	X
fsr-4352	107	14	.	.	PUNCT
fsr-4352	107	15	1–15	1–15	NUM
fsr-4352	107	16	)	)	PUNCT
fsr-4352	107	17	.	.	PUNCT
fsr-4352	108	1	igi	igi	PROPN
fsr-4352	108	2	global	global	PROPN
fsr-4352	108	3	.	.	PUNCT
fsr-4352	109	1	financial	financial	ADJ
fsr-4352	109	2	services	service	NOUN
fsr-4352	109	3	review	review	NOUN
fsr-4352	109	4	,	,	PUNCT
fsr-4352	109	5	33(3	33(3	NOUN
fsr-4352	109	6	)	)	PUNCT
fsr-4352	109	7	v	v	ADP
fsr-4352	109	8	nourallah	nourallah	ADJ
fsr-4352	109	9	,	,	PUNCT
fsr-4352	109	10	m.	m.	NOUN
fsr-4352	109	11	,	,	PUNCT
fsr-4352	109	12	öhman	öhman	NOUN
fsr-4352	109	13	,	,	PUNCT
fsr-4352	109	14	p.	p.	NOUN
fsr-4352	109	15	,	,	PUNCT
fsr-4352	109	16	walther	walther	NOUN
fsr-4352	109	17	,	,	PUNCT
fsr-4352	109	18	t.	t.	PROPN
fsr-4352	109	19	,	,	PUNCT
fsr-4352	109	20	&	&	CCONJ
fsr-4352	109	21	nguyen	nguyen	PROPN
fsr-4352	109	22	,	,	PUNCT
fsr-4352	109	23	d.	d.	PROPN
fsr-4352	109	24	k.	k.	PROPN
fsr-4352	109	25	(	(	PUNCT
fsr-4352	109	26	2025	2025	NUM
fsr-4352	109	27	)	)	PUNCT
fsr-4352	109	28	.	.	PUNCT
fsr-4352	110	1	financial	financial	ADJ
fsr-4352	110	2	robo	robo	NOUN
fsr-4352	110	3	-	-	PUNCT
fsr-4352	110	4	advisors	advisor	NOUN
fsr-4352	110	5	:	:	PUNCT
fsr-4352	110	6	a	a	DET
fsr-4352	110	7	comprehensive	comprehensive	ADJ
fsr-4352	110	8	review	review	NOUN
fsr-4352	110	9	and	and	CCONJ
fsr-4352	110	10	future	future	ADJ
fsr-4352	110	11	directions	direction	NOUN
fsr-4352	110	12	.	.	PUNCT
fsr-4352	111	1	available	available	ADJ
fsr-4352	111	2	at	at	ADP
fsr-4352	111	3	ssrn	ssrn	PROPN
fsr-4352	111	4	https://dx.doi.org/10.2139/ssrn.5215748	https://dx.doi.org/10.2139/ssrn.5215748	X
fsr-4352	111	5	qin	qin	PROPN
fsr-4352	111	6	,	,	PUNCT
fsr-4352	111	7	l.	l.	PROPN
fsr-4352	111	8	,	,	PUNCT
fsr-4352	111	9	aziz	aziz	PROPN
fsr-4352	111	10	,	,	PUNCT
fsr-4352	111	11	g.	g.	PROPN
fsr-4352	111	12	,	,	PUNCT
fsr-4352	111	13	hussan	hussan	NOUN
fsr-4352	111	14	,	,	PUNCT
fsr-4352	111	15	m.	m.	PROPN
fsr-4352	111	16	w.	w.	PROPN
fsr-4352	111	17	,	,	PUNCT
fsr-4352	111	18	qadeer	qadeer	PROPN
fsr-4352	111	19	,	,	PUNCT
fsr-4352	111	20	a.	a.	NOUN
fsr-4352	111	21	,	,	PUNCT
fsr-4352	111	22	&	&	CCONJ
fsr-4352	111	23	sarwar	sarwar	PROPN
fsr-4352	111	24	,	,	PUNCT
fsr-4352	111	25	s.	s.	PROPN
fsr-4352	111	26	(	(	PUNCT
fsr-4352	111	27	2024	2024	NUM
fsr-4352	111	28	)	)	PUNCT
fsr-4352	111	29	.	.	PUNCT
fsr-4352	112	1	empirical	empirical	ADJ
fsr-4352	112	2	evidence	evidence	NOUN
fsr-4352	112	3	of	of	ADP
fsr-4352	112	4	fintech	fintech	NOUN
fsr-4352	112	5	and	and	CCONJ
fsr-4352	112	6	green	green	ADJ
fsr-4352	112	7	environment	environment	NOUN
fsr-4352	112	8	:	:	PUNCT
fsr-4352	112	9	using	use	VERB
fsr-4352	112	10	the	the	DET
fsr-4352	112	11	green	green	ADJ
fsr-4352	112	12	finance	finance	NOUN
fsr-4352	112	13	as	as	ADP
fsr-4352	112	14	a	a	DET
fsr-4352	112	15	mediating	mediate	VERB
fsr-4352	112	16	variable	variable	NOUN
fsr-4352	112	17	.	.	PUNCT
fsr-4352	113	1	international	international	ADJ
fsr-4352	113	2	review	review	NOUN
fsr-4352	113	3	of	of	ADP
fsr-4352	113	4	economics	economics	PROPN
fsr-4352	113	5	&	&	CCONJ
fsr-4352	113	6	finance	finance	PROPN
fsr-4352	113	7	,	,	PUNCT
fsr-4352	113	8	89	89	NUM
fsr-4352	113	9	,	,	PUNCT
fsr-4352	113	10	33–49	33–49	NUM
fsr-4352	113	11	.	.	PUNCT
fsr-4352	114	1	shekhar	shekhar	PROPN
fsr-4352	114	2	,	,	PUNCT
fsr-4352	114	3	v.	v.	PROPN
fsr-4352	114	4	&	&	CCONJ
fsr-4352	114	5	ramesh	ramesh	PROPN
fsr-4352	114	6	,	,	PUNCT
fsr-4352	114	7	s.	s.	PROPN
fsr-4352	114	8	(	(	PUNCT
fsr-4352	114	9	2025	2025	NUM
fsr-4352	114	10	)	)	PUNCT
fsr-4352	114	11	.	.	PUNCT
fsr-4352	115	1	central	central	PROPN
fsr-4352	115	2	bank	bank	PROPN
fsr-4352	115	3	digital	digital	ADJ
fsr-4352	115	4	currency	currency	NOUN
fsr-4352	115	5	:	:	PUNCT
fsr-4352	115	6	perspectives	perspective	NOUN
fsr-4352	115	7	on	on	ADP
fsr-4352	115	8	design	design	NOUN
fsr-4352	115	9	choices	choice	NOUN
fsr-4352	115	10	and	and	CCONJ
fsr-4352	115	11	implications	implication	NOUN
fsr-4352	115	12	,	,	PUNCT
fsr-4352	115	13	with	with	ADP
fsr-4352	115	14	a	a	DET
fsr-4352	115	15	focus	focus	NOUN
fsr-4352	115	16	on	on	ADP
fsr-4352	115	17	e	e	NOUN
fsr-4352	115	18	-	-	NOUN
fsr-4352	115	19	rupee	rupee	ADJ
fsr-4352	115	20	.	.	PUNCT
fsr-4352	116	1	financial	financial	ADJ
fsr-4352	116	2	services	service	NOUN
fsr-4352	116	3	review	review	NOUN
fsr-4352	116	4	,	,	PUNCT
fsr-4352	116	5	33(3	33(3	NOUN
fsr-4352	116	6	)	)	PUNCT
fsr-4352	116	7	,	,	PUNCT
fsr-4352	116	8	61–79	61–79	ADV
fsr-4352	116	9	.	.	PUNCT
fsr-4352	117	1	welch	welch	PROPN
fsr-4352	117	2	,	,	PUNCT
fsr-4352	117	3	i.	i.	PROPN
fsr-4352	117	4	(	(	PUNCT
fsr-4352	117	5	2022	2022	NUM
fsr-4352	117	6	)	)	PUNCT
fsr-4352	117	7	.	.	PUNCT
fsr-4352	118	1	the	the	DET
fsr-4352	118	2	wisdom	wisdom	NOUN
fsr-4352	118	3	of	of	ADP
fsr-4352	118	4	the	the	DET
fsr-4352	118	5	robinhood	robinhood	PROPN
fsr-4352	118	6	crowd	crowd	NOUN
fsr-4352	118	7	.	.	PUNCT
fsr-4352	119	1	the	the	DET
fsr-4352	119	2	journal	journal	PROPN
fsr-4352	119	3	of	of	ADP
fsr-4352	119	4	finance	finance	NOUN
fsr-4352	119	5	,	,	PUNCT
fsr-4352	119	6	77(3	77(3	PROPN
fsr-4352	119	7	)	)	PUNCT
fsr-4352	119	8	,	,	PUNCT
fsr-4352	119	9	1489	1489	NUM
fsr-4352	119	10	–	–	PUNCT
fsr-4352	119	11	1527	1527	NUM
fsr-4352	119	12	.	.	PUNCT
fsr-4352	120	1	https://dx.doi.org/10.2139/ssrn.5215748	https://dx.doi.org/10.2139/ssrn.5215748	X