id	sid	tid	token	lemma	pos
fbem-24530	1	1	frontiers	frontier	NOUN
fbem-24530	1	2	in	in	ADP
fbem-24530	1	3	business	business	NOUN
fbem-24530	1	4	,	,	PUNCT
fbem-24530	1	5	economics	economic	NOUN
fbem-24530	1	6	and	and	CCONJ
fbem-24530	1	7	management	management	NOUN
fbem-24530	1	8	issn	issn	PROPN
fbem-24530	1	9	:	:	PUNCT
fbem-24530	1	10	2766	2766	NUM
fbem-24530	1	11	-	-	PUNCT
fbem-24530	1	12	824x	824x	NUM
fbem-24530	1	13	|	|	ADJ
fbem-24530	1	14	vol	vol	NOUN
fbem-24530	1	15	.	.	PUNCT
fbem-24530	2	1	16	16	NUM
fbem-24530	2	2	,	,	PUNCT
fbem-24530	2	3	no	no	INTJ
fbem-24530	2	4	.	.	NOUN
fbem-24530	2	5	1	1	NUM
fbem-24530	2	6	,	,	PUNCT
fbem-24530	2	7	2024	2024	NUM
fbem-24530	2	8	1	1	NUM
fbem-24530	2	9	research	research	NOUN
fbem-24530	2	10	on	on	ADP
fbem-24530	2	11	the	the	DET
fbem-24530	2	12	current	current	ADJ
fbem-24530	2	13	situation	situation	NOUN
fbem-24530	2	14	and	and	CCONJ
fbem-24530	2	15	problems	problem	NOUN
fbem-24530	2	16	of	of	ADP
fbem-24530	2	17	the	the	DET
fbem-24530	2	18	use	use	NOUN
fbem-24530	2	19	of	of	ADP
fbem-24530	2	20	digital	digital	ADJ
fbem-24530	2	21	inclusive	inclusive	ADJ
fbem-24530	2	22	finance	finance	NOUN
fbem-24530	2	23	-taking	-take	VERB
fbem-24530	2	24	guangzhou	guangzhou	PROPN
fbem-24530	2	25	university	university	NOUN
fbem-24530	2	26	students	student	NOUN
fbem-24530	2	27	as	as	ADP
fbem-24530	2	28	an	an	DET
fbem-24530	2	29	example	example	NOUN
fbem-24530	2	30	siying	siye	VERB
fbem-24530	2	31	he	he	PRON
fbem-24530	2	32	guangzhou	guangzhou	PROPN
fbem-24530	2	33	yushan	yushan	PROPN
fbem-24530	2	34	middle	middle	PROPN
fbem-24530	2	35	school	school	PROPN
fbem-24530	2	36	,	,	PUNCT
fbem-24530	2	37	china	china	PROPN
fbem-24530	2	38	18122367474	18122367474	NUM
fbem-24530	2	39	@163.com	@163.com	PROPN
fbem-24530	2	40	abstract	abstract	NOUN
fbem-24530	2	41	:	:	PUNCT
fbem-24530	2	42	this	this	DET
fbem-24530	2	43	study	study	NOUN
fbem-24530	2	44	aims	aim	VERB
fbem-24530	2	45	to	to	PART
fbem-24530	2	46	investigate	investigate	VERB
fbem-24530	2	47	the	the	DET
fbem-24530	2	48	use	use	NOUN
fbem-24530	2	49	of	of	ADP
fbem-24530	2	50	digital	digital	ADJ
fbem-24530	2	51	inclusive	inclusive	ADJ
fbem-24530	2	52	finance	finance	NOUN
fbem-24530	2	53	among	among	ADP
fbem-24530	2	54	college	college	NOUN
fbem-24530	2	55	students	student	NOUN
fbem-24530	2	56	in	in	ADP
fbem-24530	2	57	guangzhou	guangzhou	PROPN
fbem-24530	2	58	and	and	CCONJ
fbem-24530	2	59	its	its	PRON
fbem-24530	2	60	influencing	influence	VERB
fbem-24530	2	61	factors	factor	NOUN
fbem-24530	2	62	.	.	PUNCT
fbem-24530	3	1	through	through	ADP
fbem-24530	3	2	the	the	DET
fbem-24530	3	3	questionnaire	questionnaire	NOUN
fbem-24530	3	4	survey	survey	NOUN
fbem-24530	3	5	and	and	CCONJ
fbem-24530	3	6	data	datum	NOUN
fbem-24530	3	7	analysis	analysis	NOUN
fbem-24530	3	8	,	,	PUNCT
fbem-24530	3	9	the	the	DET
fbem-24530	3	10	popularity	popularity	NOUN
fbem-24530	3	11	,	,	PUNCT
fbem-24530	3	12	willingness	willingness	NOUN
fbem-24530	3	13	to	to	PART
fbem-24530	3	14	use	use	VERB
fbem-24530	3	15	,	,	PUNCT
fbem-24530	3	16	and	and	CCONJ
fbem-24530	3	17	barriers	barrier	NOUN
fbem-24530	3	18	to	to	ADP
fbem-24530	3	19	the	the	DET
fbem-24530	3	20	use	use	NOUN
fbem-24530	3	21	of	of	ADP
fbem-24530	3	22	digital	digital	ADJ
fbem-24530	3	23	inclusive	inclusive	ADJ
fbem-24530	3	24	finance	finance	NOUN
fbem-24530	3	25	among	among	ADP
fbem-24530	3	26	college	college	NOUN
fbem-24530	3	27	students	student	NOUN
fbem-24530	3	28	are	be	AUX
fbem-24530	3	29	found	find	VERB
fbem-24530	3	30	,	,	PUNCT
fbem-24530	3	31	and	and	CCONJ
fbem-24530	3	32	the	the	DET
fbem-24530	3	33	reasons	reason	NOUN
fbem-24530	3	34	behind	behind	ADP
fbem-24530	3	35	them	they	PRON
fbem-24530	3	36	are	be	AUX
fbem-24530	3	37	analysed	analyse	VERB
fbem-24530	3	38	and	and	CCONJ
fbem-24530	3	39	discussed	discuss	VERB
fbem-24530	3	40	,	,	PUNCT
fbem-24530	3	41	which	which	PRON
fbem-24530	3	42	provide	provide	VERB
fbem-24530	3	43	references	reference	NOUN
fbem-24530	3	44	and	and	CCONJ
fbem-24530	3	45	suggestions	suggestion	NOUN
fbem-24530	3	46	for	for	ADP
fbem-24530	3	47	promoting	promote	VERB
fbem-24530	3	48	the	the	DET
fbem-24530	3	49	application	application	NOUN
fbem-24530	3	50	of	of	ADP
fbem-24530	3	51	digital	digital	ADJ
fbem-24530	3	52	inclusive	inclusive	ADJ
fbem-24530	3	53	finance	finance	NOUN
fbem-24530	3	54	among	among	ADP
fbem-24530	3	55	the	the	DET
fbem-24530	3	56	college	college	NOUN
fbem-24530	3	57	student	student	NOUN
fbem-24530	3	58	population	population	NOUN
fbem-24530	3	59	.	.	PUNCT
fbem-24530	4	1	keywords	keyword	NOUN
fbem-24530	4	2	:	:	PUNCT
fbem-24530	4	3	digital	digital	ADJ
fbem-24530	4	4	financial	financial	ADJ
fbem-24530	4	5	inclusion	inclusion	NOUN
fbem-24530	4	6	,	,	PUNCT
fbem-24530	4	7	university	university	NOUN
fbem-24530	4	8	students	student	NOUN
fbem-24530	4	9	,	,	PUNCT
fbem-24530	4	10	current	current	ADJ
fbem-24530	4	11	state	state	NOUN
fbem-24530	4	12	of	of	ADP
fbem-24530	4	13	use	use	NOUN
fbem-24530	4	14	.	.	PUNCT
fbem-24530	5	1	1	1	X
fbem-24530	5	2	.	.	X
fbem-24530	5	3	introduction	introduction	NOUN
fbem-24530	5	4	with	with	ADP
fbem-24530	5	5	the	the	DET
fbem-24530	5	6	development	development	NOUN
fbem-24530	5	7	of	of	ADP
fbem-24530	5	8	digital	digital	ADJ
fbem-24530	5	9	technology	technology	NOUN
fbem-24530	5	10	and	and	CCONJ
fbem-24530	5	11	changes	change	NOUN
fbem-24530	5	12	in	in	ADP
fbem-24530	5	13	the	the	DET
fbem-24530	5	14	financial	financial	ADJ
fbem-24530	5	15	industry	industry	NOUN
fbem-24530	5	16	,	,	PUNCT
fbem-24530	5	17	digital	digital	ADJ
fbem-24530	5	18	inclusive	inclusive	ADJ
fbem-24530	5	19	finance	finance	NOUN
fbem-24530	5	20	,	,	PUNCT
fbem-24530	5	21	as	as	ADP
fbem-24530	5	22	a	a	DET
fbem-24530	5	23	new	new	ADJ
fbem-24530	5	24	type	type	NOUN
fbem-24530	5	25	of	of	ADP
fbem-24530	5	26	financial	financial	ADJ
fbem-24530	5	27	service	service	NOUN
fbem-24530	5	28	,	,	PUNCT
fbem-24530	5	29	has	have	AUX
fbem-24530	5	30	gradually	gradually	ADV
fbem-24530	5	31	become	become	VERB
fbem-24530	5	32	an	an	DET
fbem-24530	5	33	important	important	ADJ
fbem-24530	5	34	way	way	NOUN
fbem-24530	5	35	to	to	PART
fbem-24530	5	36	improve	improve	VERB
fbem-24530	5	37	financial	financial	ADJ
fbem-24530	5	38	inclusion	inclusion	NOUN
fbem-24530	5	39	and	and	CCONJ
fbem-24530	5	40	increase	increase	VERB
fbem-24530	5	41	the	the	DET
fbem-24530	5	42	efficiency	efficiency	NOUN
fbem-24530	5	43	of	of	ADP
fbem-24530	5	44	financial	financial	ADJ
fbem-24530	5	45	services	service	NOUN
fbem-24530	5	46	.	.	PUNCT
fbem-24530	6	1	as	as	ADP
fbem-24530	6	2	a	a	DET
fbem-24530	6	3	young	young	ADJ
fbem-24530	6	4	group	group	NOUN
fbem-24530	6	5	,	,	PUNCT
fbem-24530	6	6	college	college	NOUN
fbem-24530	6	7	students	student	NOUN
fbem-24530	6	8	'	'	PART
fbem-24530	6	9	acceptance	acceptance	NOUN
fbem-24530	6	10	and	and	CCONJ
fbem-24530	6	11	use	use	NOUN
fbem-24530	6	12	of	of	ADP
fbem-24530	6	13	digital	digital	ADJ
fbem-24530	6	14	inclusive	inclusive	ADJ
fbem-24530	6	15	finance	finance	NOUN
fbem-24530	6	16	has	have	AUX
fbem-24530	6	17	attracted	attract	VERB
fbem-24530	6	18	much	much	ADJ
fbem-24530	6	19	attention	attention	NOUN
fbem-24530	6	20	under	under	ADP
fbem-24530	6	21	the	the	DET
fbem-24530	6	22	influence	influence	NOUN
fbem-24530	6	23	of	of	ADP
fbem-24530	6	24	digital	digital	ADJ
fbem-24530	6	25	lifestyles	lifestyle	NOUN
fbem-24530	6	26	.	.	PUNCT
fbem-24530	7	1	however	however	ADV
fbem-24530	7	2	,	,	PUNCT
fbem-24530	7	3	there	there	PRON
fbem-24530	7	4	is	be	VERB
fbem-24530	7	5	a	a	DET
fbem-24530	7	6	lack	lack	NOUN
fbem-24530	7	7	of	of	ADP
fbem-24530	7	8	research	research	NOUN
fbem-24530	7	9	on	on	ADP
fbem-24530	7	10	the	the	DET
fbem-24530	7	11	use	use	NOUN
fbem-24530	7	12	of	of	ADP
fbem-24530	7	13	digital	digital	ADJ
fbem-24530	7	14	inclusive	inclusive	ADJ
fbem-24530	7	15	finance	finance	NOUN
fbem-24530	7	16	among	among	ADP
fbem-24530	7	17	college	college	NOUN
fbem-24530	7	18	students	student	NOUN
fbem-24530	7	19	in	in	ADP
fbem-24530	7	20	guangzhou	guangzhou	PROPN
fbem-24530	7	21	,	,	PUNCT
fbem-24530	7	22	and	and	CCONJ
fbem-24530	7	23	this	this	DET
fbem-24530	7	24	study	study	NOUN
fbem-24530	7	25	aims	aim	VERB
fbem-24530	7	26	to	to	PART
fbem-24530	7	27	fill	fill	VERB
fbem-24530	7	28	this	this	DET
fbem-24530	7	29	gap	gap	NOUN
fbem-24530	7	30	.	.	PUNCT
fbem-24530	8	1	2	2	X
fbem-24530	8	2	.	.	X
fbem-24530	8	3	research	research	NOUN
fbem-24530	8	4	methodology	methodology	NOUN
fbem-24530	8	5	using	use	VERB
fbem-24530	8	6	a	a	DET
fbem-24530	8	7	questionnaire	questionnaire	NOUN
fbem-24530	8	8	survey	survey	NOUN
fbem-24530	8	9	,	,	PUNCT
fbem-24530	8	10	students	student	NOUN
fbem-24530	8	11	from	from	ADP
fbem-24530	8	12	major	major	ADJ
fbem-24530	8	13	universities	university	NOUN
fbem-24530	8	14	in	in	ADP
fbem-24530	8	15	guangzhou	guangzhou	PROPN
fbem-24530	8	16	were	be	AUX
fbem-24530	8	17	randomly	randomly	ADV
fbem-24530	8	18	selected	select	VERB
fbem-24530	8	19	as	as	SCONJ
fbem-24530	8	20	survey	survey	NOUN
fbem-24530	8	21	respondents	respondent	NOUN
fbem-24530	8	22	to	to	PART
fbem-24530	8	23	collect	collect	VERB
fbem-24530	8	24	data	datum	NOUN
fbem-24530	8	25	on	on	ADP
fbem-24530	8	26	the	the	DET
fbem-24530	8	27	use	use	NOUN
fbem-24530	8	28	of	of	ADP
fbem-24530	8	29	digital	digital	ADJ
fbem-24530	8	30	inclusive	inclusive	ADJ
fbem-24530	8	31	finance	finance	NOUN
fbem-24530	8	32	,	,	PUNCT
fbem-24530	8	33	the	the	DET
fbem-24530	8	34	experience	experience	NOUN
fbem-24530	8	35	of	of	ADP
fbem-24530	8	36	using	use	VERB
fbem-24530	8	37	it	it	PRON
fbem-24530	8	38	,	,	PUNCT
fbem-24530	8	39	and	and	CCONJ
fbem-24530	8	40	the	the	DET
fbem-24530	8	41	barriers	barrier	NOUN
fbem-24530	8	42	to	to	ADP
fbem-24530	8	43	using	use	VERB
fbem-24530	8	44	it	it	PRON
fbem-24530	8	45	.	.	PUNCT
fbem-24530	9	1	through	through	ADP
fbem-24530	9	2	statistical	statistical	ADJ
fbem-24530	9	3	analysis	analysis	NOUN
fbem-24530	9	4	and	and	CCONJ
fbem-24530	9	5	correlation	correlation	NOUN
fbem-24530	9	6	analysis	analysis	NOUN
fbem-24530	9	7	,	,	PUNCT
fbem-24530	9	8	key	key	ADJ
fbem-24530	9	9	factors	factor	NOUN
fbem-24530	9	10	affecting	affect	VERB
fbem-24530	9	11	the	the	DET
fbem-24530	9	12	use	use	NOUN
fbem-24530	9	13	of	of	ADP
fbem-24530	9	14	digital	digital	ADJ
fbem-24530	9	15	inclusive	inclusive	ADJ
fbem-24530	9	16	finance	finance	NOUN
fbem-24530	9	17	are	be	AUX
fbem-24530	9	18	explored	explore	VERB
fbem-24530	9	19	.	.	PUNCT
fbem-24530	10	1	3	3	X
fbem-24530	10	2	.	.	X
fbem-24530	10	3	purpose	purpose	NOUN
fbem-24530	10	4	of	of	ADP
fbem-24530	10	5	the	the	DET
fbem-24530	10	6	study	study	NOUN
fbem-24530	10	7	3.1	3.1	NUM
fbem-24530	10	8	.	.	PUNCT
fbem-24530	10	9	investigate	investigate	VERB
fbem-24530	10	10	the	the	DET
fbem-24530	10	11	popularity	popularity	NOUN
fbem-24530	10	12	of	of	ADP
fbem-24530	10	13	digital	digital	ADJ
fbem-24530	10	14	financial	financial	ADJ
fbem-24530	10	15	inclusion	inclusion	NOUN
fbem-24530	10	16	among	among	ADP
fbem-24530	10	17	university	university	NOUN
fbem-24530	10	18	students	student	NOUN
fbem-24530	10	19	in	in	ADP
fbem-24530	10	20	guangzhou	guangzhou	PROPN
fbem-24530	10	21	3.1.1	3.1.1	NUM
fbem-24530	10	22	.	.	PUNCT
fbem-24530	11	1	sample	sample	NOUN
fbem-24530	11	2	description	description	NOUN
fbem-24530	11	3	demographic	demographic	ADJ
fbem-24530	11	4	characteristics	characteristic	NOUN
fbem-24530	11	5	can	can	AUX
fbem-24530	11	6	be	be	AUX
fbem-24530	11	7	obtained	obtain	VERB
fbem-24530	11	8	from	from	ADP
fbem-24530	11	9	the	the	DET
fbem-24530	11	10	analysis	analysis	NOUN
fbem-24530	11	11	of	of	ADP
fbem-24530	11	12	the	the	DET
fbem-24530	11	13	valid	valid	ADJ
fbem-24530	11	14	sample	sample	NOUN
fbem-24530	11	15	data	datum	NOUN
fbem-24530	11	16	,	,	PUNCT
fbem-24530	11	17	as	as	SCONJ
fbem-24530	11	18	shown	show	VERB
fbem-24530	11	19	in	in	ADP
fbem-24530	11	20	table	table	NOUN
fbem-24530	11	21	1	1	NUM
fbem-24530	11	22	.	.	PUNCT
fbem-24530	12	1	the	the	DET
fbem-24530	12	2	distribution	distribution	NOUN
fbem-24530	12	3	of	of	ADP
fbem-24530	12	4	the	the	DET
fbem-24530	12	5	sample	sample	NOUN
fbem-24530	12	6	among	among	ADP
fbem-24530	12	7	the	the	DET
fbem-24530	12	8	characteristic	characteristic	ADJ
fbem-24530	12	9	factors	factor	NOUN
fbem-24530	12	10	can	can	AUX
fbem-24530	12	11	be	be	AUX
fbem-24530	12	12	obtained	obtain	VERB
fbem-24530	12	13	from	from	ADP
fbem-24530	12	14	table	table	NOUN
fbem-24530	12	15	1	1	NUM
fbem-24530	12	16	:	:	PUNCT
fbem-24530	12	17	(	(	PUNCT
fbem-24530	12	18	1	1	X
fbem-24530	12	19	)	)	PUNCT
fbem-24530	12	20	the	the	DET
fbem-24530	12	21	questionnaire	questionnaire	NOUN
fbem-24530	12	22	recovered	recover	VERB
fbem-24530	12	23	a	a	DET
fbem-24530	12	24	total	total	NOUN
fbem-24530	12	25	of	of	ADP
fbem-24530	12	26	264	264	NUM
fbem-24530	12	27	valid	valid	ADJ
fbem-24530	12	28	samples	sample	NOUN
fbem-24530	12	29	,	,	PUNCT
fbem-24530	12	30	of	of	ADP
fbem-24530	12	31	which	which	PRON
fbem-24530	12	32	46.59	46.59	NUM
fbem-24530	12	33	%	%	NOUN
fbem-24530	12	34	were	be	AUX
fbem-24530	12	35	male	male	ADJ
fbem-24530	12	36	and	and	CCONJ
fbem-24530	12	37	53.41	53.41	NUM
fbem-24530	12	38	%	%	NOUN
fbem-24530	12	39	were	be	AUX
fbem-24530	12	40	female	female	ADJ
fbem-24530	12	41	,	,	PUNCT
fbem-24530	12	42	with	with	ADP
fbem-24530	12	43	the	the	DET
fbem-24530	12	44	ratio	ratio	NOUN
fbem-24530	12	45	of	of	ADP
fbem-24530	12	46	male	male	NOUN
fbem-24530	12	47	to	to	AUX
fbem-24530	12	48	female	female	ADJ
fbem-24530	12	49	close	close	ADV
fbem-24530	12	50	to	to	ADP
fbem-24530	12	51	1:1	1:1	NUM
fbem-24530	12	52	.	.	PUNCT
fbem-24530	13	1	the	the	DET
fbem-24530	13	2	gender	gender	NOUN
fbem-24530	13	3	balance	balance	NOUN
fbem-24530	13	4	of	of	ADP
fbem-24530	13	5	the	the	DET
fbem-24530	13	6	survey	survey	NOUN
fbem-24530	13	7	respondents	respondent	NOUN
fbem-24530	13	8	indicates	indicate	VERB
fbem-24530	13	9	that	that	SCONJ
fbem-24530	13	10	the	the	DET
fbem-24530	13	11	results	result	NOUN
fbem-24530	13	12	of	of	ADP
fbem-24530	13	13	the	the	DET
fbem-24530	13	14	survey	survey	NOUN
fbem-24530	13	15	have	have	VERB
fbem-24530	13	16	a	a	DET
fbem-24530	13	17	certain	certain	ADJ
fbem-24530	13	18	degree	degree	NOUN
fbem-24530	13	19	of	of	ADP
fbem-24530	13	20	scientific	scientific	ADJ
fbem-24530	13	21	validity	validity	NOUN
fbem-24530	13	22	and	and	CCONJ
fbem-24530	13	23	representativeness	representativeness	NOUN
fbem-24530	13	24	;	;	PUNCT
fbem-24530	13	25	(	(	PUNCT
fbem-24530	13	26	2	2	X
fbem-24530	13	27	)	)	PUNCT
fbem-24530	13	28	the	the	DET
fbem-24530	13	29	academic	academic	ADJ
fbem-24530	13	30	qualifications	qualification	NOUN
fbem-24530	13	31	of	of	ADP
fbem-24530	13	32	the	the	DET
fbem-24530	13	33	survey	survey	NOUN
fbem-24530	13	34	respondents	respondent	NOUN
fbem-24530	13	35	were	be	AUX
fbem-24530	13	36	screened	screen	VERB
fbem-24530	13	37	to	to	PART
fbem-24530	13	38	leave	leave	VERB
fbem-24530	13	39	only	only	ADV
fbem-24530	13	40	undergraduate	undergraduate	ADJ
fbem-24530	13	41	students	student	NOUN
fbem-24530	13	42	studying	study	VERB
fbem-24530	13	43	in	in	ADP
fbem-24530	13	44	guangzhou	guangzhou	PROPN
fbem-24530	13	45	city	city	PROPN
fbem-24530	13	46	.	.	PUNCT
fbem-24530	14	1	among	among	ADP
fbem-24530	14	2	them	they	PRON
fbem-24530	14	3	,	,	PUNCT
fbem-24530	14	4	there	there	PRON
fbem-24530	14	5	were	be	VERB
fbem-24530	14	6	71	71	NUM
fbem-24530	14	7	freshmen	freshman	NOUN
fbem-24530	14	8	,	,	PUNCT
fbem-24530	14	9	62	62	NUM
fbem-24530	14	10	sophomores	sophomore	NOUN
fbem-24530	14	11	,	,	PUNCT
fbem-24530	14	12	58	58	NUM
fbem-24530	14	13	juniors	junior	NOUN
fbem-24530	14	14	and	and	CCONJ
fbem-24530	14	15	73	73	NUM
fbem-24530	14	16	seniors	senior	NOUN
fbem-24530	14	17	,	,	PUNCT
fbem-24530	14	18	accounting	account	VERB
fbem-24530	14	19	for	for	ADP
fbem-24530	14	20	26.89	26.89	NUM
fbem-24530	14	21	per	per	ADP
fbem-24530	14	22	cent	cent	NOUN
fbem-24530	14	23	,	,	PUNCT
fbem-24530	14	24	23.48	23.48	NUM
fbem-24530	14	25	per	per	ADP
fbem-24530	14	26	cent	cent	NOUN
fbem-24530	14	27	,	,	PUNCT
fbem-24530	14	28	21.97	21.97	NUM
fbem-24530	14	29	per	per	ADP
fbem-24530	14	30	cent	cent	NOUN
fbem-24530	14	31	and	and	CCONJ
fbem-24530	14	32	27.65	27.65	NUM
fbem-24530	14	33	per	per	ADP
fbem-24530	14	34	cent	cent	NOUN
fbem-24530	14	35	of	of	ADP
fbem-24530	14	36	the	the	DET
fbem-24530	14	37	sample	sample	NOUN
fbem-24530	14	38	size	size	NOUN
fbem-24530	14	39	,	,	PUNCT
fbem-24530	14	40	respectively	respectively	ADV
fbem-24530	14	41	,	,	PUNCT
fbem-24530	14	42	with	with	ADP
fbem-24530	14	43	a	a	DET
fbem-24530	14	44	relatively	relatively	ADV
fbem-24530	14	45	balanced	balanced	ADJ
fbem-24530	14	46	distribution	distribution	NOUN
fbem-24530	14	47	of	of	ADP
fbem-24530	14	48	survey	survey	NOUN
fbem-24530	14	49	respondents	respondent	NOUN
fbem-24530	14	50	across	across	ADP
fbem-24530	14	51	all	all	DET
fbem-24530	14	52	grades	grade	NOUN
fbem-24530	14	53	,	,	PUNCT
fbem-24530	14	54	indicating	indicate	VERB
fbem-24530	14	55	the	the	DET
fbem-24530	14	56	results	result	NOUN
fbem-24530	14	57	of	of	ADP
fbem-24530	14	58	the	the	DET
fbem-24530	14	59	survey	survey	NOUN
fbem-24530	14	60	;	;	PUNCT
fbem-24530	14	61	(	(	PUNCT
fbem-24530	14	62	3	3	X
fbem-24530	14	63	)	)	PUNCT
fbem-24530	14	64	from	from	ADP
fbem-24530	14	65	the	the	DET
fbem-24530	14	66	statistics	statistic	NOUN
fbem-24530	14	67	on	on	ADP
fbem-24530	14	68	majors	major	NOUN
fbem-24530	14	69	,	,	PUNCT
fbem-24530	14	70	there	there	PRON
fbem-24530	14	71	are	be	VERB
fbem-24530	14	72	42	42	NUM
fbem-24530	14	73	people	people	NOUN
fbem-24530	14	74	in	in	ADP
fbem-24530	14	75	arts	art	NOUN
fbem-24530	14	76	,	,	PUNCT
fbem-24530	14	77	56	56	NUM
fbem-24530	14	78	in	in	ADP
fbem-24530	14	79	business	business	NOUN
fbem-24530	14	80	,	,	PUNCT
fbem-24530	14	81	71	71	NUM
fbem-24530	14	82	in	in	ADP
fbem-24530	14	83	science	science	NOUN
fbem-24530	14	84	and	and	CCONJ
fbem-24530	14	85	technology	technology	NOUN
fbem-24530	14	86	,	,	PUNCT
fbem-24530	14	87	30	30	NUM
fbem-24530	14	88	in	in	ADP
fbem-24530	14	89	agriculture	agriculture	NOUN
fbem-24530	14	90	,	,	PUNCT
fbem-24530	14	91	32	32	NUM
fbem-24530	14	92	in	in	ADP
fbem-24530	14	93	medicine	medicine	NOUN
fbem-24530	14	94	and	and	CCONJ
fbem-24530	14	95	33	33	NUM
fbem-24530	14	96	in	in	ADP
fbem-24530	14	97	art	art	NOUN
fbem-24530	14	98	,	,	PUNCT
fbem-24530	14	99	accounting	account	VERB
fbem-24530	14	100	for	for	ADP
fbem-24530	14	101	15.91	15.91	NUM
fbem-24530	14	102	%	%	NOUN
fbem-24530	14	103	,	,	PUNCT
fbem-24530	14	104	21.21	21.21	NUM
fbem-24530	14	105	%	%	NOUN
fbem-24530	14	106	,	,	PUNCT
fbem-24530	14	107	26.89	26.89	NUM
fbem-24530	14	108	%	%	NOUN
fbem-24530	14	109	,	,	PUNCT
fbem-24530	14	110	11.35	11.35	NUM
fbem-24530	14	111	%	%	NOUN
fbem-24530	14	112	,	,	PUNCT
fbem-24530	14	113	12.12	12.12	NUM
fbem-24530	14	114	%	%	NOUN
fbem-24530	14	115	and	and	CCONJ
fbem-24530	14	116	12.50	12.50	NUM
fbem-24530	14	117	%	%	NOUN
fbem-24530	14	118	of	of	ADP
fbem-24530	14	119	the	the	DET
fbem-24530	14	120	sample	sample	NOUN
fbem-24530	14	121	size	size	NOUN
fbem-24530	14	122	respectively	respectively	ADV
fbem-24530	14	123	.	.	PUNCT
fbem-24530	15	1	the	the	DET
fbem-24530	15	2	distribution	distribution	NOUN
fbem-24530	15	3	of	of	ADP
fbem-24530	15	4	respondents	respondent	NOUN
fbem-24530	15	5	'	'	PART
fbem-24530	15	6	majors	major	NOUN
fbem-24530	15	7	shows	show	VERB
fbem-24530	15	8	that	that	SCONJ
fbem-24530	15	9	every	every	DET
fbem-24530	15	10	major	major	NOUN
fbem-24530	15	11	is	be	AUX
fbem-24530	15	12	covered	cover	VERB
fbem-24530	15	13	,	,	PUNCT
fbem-24530	15	14	with	with	ADP
fbem-24530	15	15	science	science	NOUN
fbem-24530	15	16	and	and	CCONJ
fbem-24530	15	17	technology	technology	NOUN
fbem-24530	15	18	having	have	VERB
fbem-24530	15	19	the	the	DET
fbem-24530	15	20	largest	large	ADJ
fbem-24530	15	21	number	number	NOUN
fbem-24530	15	22	of	of	ADP
fbem-24530	15	23	respondents	respondent	NOUN
fbem-24530	15	24	,	,	PUNCT
fbem-24530	15	25	followed	follow	VERB
fbem-24530	15	26	by	by	ADP
fbem-24530	15	27	business	business	NOUN
fbem-24530	15	28	,	,	PUNCT
fbem-24530	15	29	indicating	indicate	VERB
fbem-24530	15	30	that	that	SCONJ
fbem-24530	15	31	the	the	DET
fbem-24530	15	32	survey	survey	NOUN
fbem-24530	15	33	results	result	NOUN
fbem-24530	15	34	are	be	AUX
fbem-24530	15	35	somewhat	somewhat	ADV
fbem-24530	15	36	comprehensive	comprehensive	ADJ
fbem-24530	15	37	.	.	PUNCT
fbem-24530	16	1	(	(	PUNCT
fbem-24530	16	2	4	4	X
fbem-24530	16	3	)	)	PUNCT
fbem-24530	16	4	there	there	PRON
fbem-24530	16	5	are	be	VERB
fbem-24530	16	6	seven	seven	NUM
fbem-24530	16	7	options	option	NOUN
fbem-24530	16	8	for	for	ADP
fbem-24530	16	9	the	the	DET
fbem-24530	16	10	income	income	NOUN
fbem-24530	16	11	level	level	NOUN
fbem-24530	16	12	of	of	ADP
fbem-24530	16	13	this	this	DET
fbem-24530	16	14	statistic	statistic	NOUN
fbem-24530	16	15	,	,	PUNCT
fbem-24530	16	16	which	which	PRON
fbem-24530	16	17	are	be	AUX
fbem-24530	16	18	monthly	monthly	ADJ
fbem-24530	16	19	income	income	NOUN
fbem-24530	16	20	of	of	ADP
fbem-24530	16	21	1,000~1,500	1,000~1,500	NUM
fbem-24530	16	22	cny	cny	NOUN
fbem-24530	16	23	for	for	ADP
fbem-24530	16	24	61	61	NUM
fbem-24530	16	25	people	people	NOUN
fbem-24530	16	26	,	,	PUNCT
fbem-24530	16	27	accounting	account	VERB
fbem-24530	16	28	for	for	ADP
fbem-24530	16	29	23.11	23.11	NUM
fbem-24530	16	30	%	%	NOUN
fbem-24530	16	31	of	of	ADP
fbem-24530	16	32	the	the	DET
fbem-24530	16	33	overall	overall	ADJ
fbem-24530	16	34	ratio	ratio	NOUN
fbem-24530	16	35	;	;	PUNCT
fbem-24530	16	36	monthly	monthly	ADJ
fbem-24530	16	37	income	income	NOUN
fbem-24530	16	38	of	of	ADP
fbem-24530	16	39	1,500~2,000	1,500~2,000	NUM
fbem-24530	16	40	cny	cny	NOUN
fbem-24530	16	41	for	for	ADP
fbem-24530	16	42	61	61	NUM
fbem-24530	16	43	people	people	NOUN
fbem-24530	16	44	,	,	PUNCT
fbem-24530	16	45	accounting	account	VERB
fbem-24530	16	46	for	for	ADP
fbem-24530	16	47	23.11	23.11	NUM
fbem-24530	16	48	%	%	NOUN
fbem-24530	16	49	of	of	ADP
fbem-24530	16	50	the	the	DET
fbem-24530	16	51	overall	overall	ADJ
fbem-24530	16	52	ratio	ratio	NOUN
fbem-24530	16	53	;	;	PUNCT
fbem-24530	16	54	monthly	monthly	ADJ
fbem-24530	16	55	income	income	NOUN
fbem-24530	16	56	of	of	ADP
fbem-24530	16	57	2,000~2,500	2,000~2,500	PROPN
fbem-24530	16	58	cny	cny	NOUN
fbem-24530	16	59	for	for	ADP
fbem-24530	16	60	31	31	NUM
fbem-24530	16	61	people	people	NOUN
fbem-24530	16	62	,	,	PUNCT
fbem-24530	16	63	accounting	account	VERB
fbem-24530	16	64	for	for	ADP
fbem-24530	16	65	11.74	11.74	NUM
fbem-24530	16	66	%	%	NOUN
fbem-24530	16	67	of	of	ADP
fbem-24530	16	68	the	the	DET
fbem-24530	16	69	overall	overall	ADJ
fbem-24530	16	70	ratio	ratio	NOUN
fbem-24530	16	71	;	;	PUNCT
fbem-24530	16	72	monthly	monthly	ADJ
fbem-24530	16	73	income	income	NOUN
fbem-24530	16	74	of	of	ADP
fbem-24530	16	75	2,500	2,500	NUM
fbem-24530	16	76	the	the	DET
fbem-24530	16	77	total	total	ADJ
fbem-24530	16	78	number	number	NOUN
fbem-24530	16	79	of	of	ADP
fbem-24530	16	80	people	people	NOUN
fbem-24530	16	81	with	with	ADP
fbem-24530	16	82	monthly	monthly	ADJ
fbem-24530	16	83	income	income	NOUN
fbem-24530	16	84	of	of	ADP
fbem-24530	16	85	2,500~3,000	2,500~3,000	NUM
fbem-24530	16	86	cny	cny	NOUN
fbem-24530	16	87	is	be	AUX
fbem-24530	16	88	65	65	NUM
fbem-24530	16	89	,	,	PUNCT
fbem-24530	16	90	accounting	account	VERB
fbem-24530	16	91	for	for	ADP
fbem-24530	16	92	24.62	24.62	NUM
fbem-24530	16	93	%	%	NOUN
fbem-24530	16	94	of	of	ADP
fbem-24530	16	95	the	the	DET
fbem-24530	16	96	total	total	NOUN
fbem-24530	16	97	;	;	PUNCT
fbem-24530	16	98	the	the	DET
fbem-24530	16	99	total	total	ADJ
fbem-24530	16	100	number	number	NOUN
fbem-24530	16	101	of	of	ADP
fbem-24530	16	102	people	people	NOUN
fbem-24530	16	103	with	with	ADP
fbem-24530	16	104	monthly	monthly	ADJ
fbem-24530	16	105	income	income	NOUN
fbem-24530	16	106	of	of	ADP
fbem-24530	16	107	3,000~3,500	3,000~3,500	PROPN
fbem-24530	16	108	cny	cny	NOUN
fbem-24530	16	109	is	be	AUX
fbem-24530	16	110	35	35	NUM
fbem-24530	16	111	,	,	PUNCT
fbem-24530	16	112	accounting	account	VERB
fbem-24530	16	113	for	for	ADP
fbem-24530	16	114	13.26	13.26	NUM
fbem-24530	16	115	%	%	NOUN
fbem-24530	16	116	of	of	ADP
fbem-24530	16	117	the	the	DET
fbem-24530	16	118	total	total	NOUN
fbem-24530	16	119	;	;	PUNCT
fbem-24530	16	120	the	the	DET
fbem-24530	16	121	total	total	ADJ
fbem-24530	16	122	number	number	NOUN
fbem-24530	16	123	of	of	ADP
fbem-24530	16	124	people	people	NOUN
fbem-24530	16	125	with	with	ADP
fbem-24530	16	126	monthly	monthly	ADJ
fbem-24530	16	127	income	income	NOUN
fbem-24530	16	128	of	of	ADP
fbem-24530	16	129	4,000~4,500	4,000~4,500	NUM
fbem-24530	16	130	cny	cny	NOUN
fbem-24530	16	131	is	be	AUX
fbem-24530	16	132	4	4	NUM
fbem-24530	16	133	,	,	PUNCT
fbem-24530	16	134	accounting	account	VERB
fbem-24530	16	135	for	for	ADP
fbem-24530	16	136	1.52	1.52	NUM
fbem-24530	16	137	%	%	NOUN
fbem-24530	16	138	of	of	ADP
fbem-24530	16	139	the	the	DET
fbem-24530	16	140	total	total	NOUN
fbem-24530	16	141	;	;	PUNCT
fbem-24530	16	142	the	the	DET
fbem-24530	16	143	total	total	ADJ
fbem-24530	16	144	number	number	NOUN
fbem-24530	16	145	of	of	ADP
fbem-24530	16	146	people	people	NOUN
fbem-24530	16	147	with	with	ADP
fbem-24530	16	148	monthly	monthly	ADJ
fbem-24530	16	149	income	income	NOUN
fbem-24530	16	150	of	of	ADP
fbem-24530	16	151	more	more	ADJ
fbem-24530	16	152	than	than	ADP
fbem-24530	16	153	5,000	5,000	NUM
fbem-24530	16	154	cny	cny	NOUN
fbem-24530	16	155	is	be	AUX
fbem-24530	16	156	7	7	NUM
fbem-24530	16	157	,	,	PUNCT
fbem-24530	16	158	accounting	account	VERB
fbem-24530	16	159	for	for	ADP
fbem-24530	16	160	2.65	2.65	NUM
fbem-24530	16	161	%	%	NOUN
fbem-24530	16	162	of	of	ADP
fbem-24530	16	163	the	the	DET
fbem-24530	16	164	total	total	NOUN
fbem-24530	16	165	.	.	PUNCT
fbem-24530	17	1	from	from	ADP
fbem-24530	17	2	the	the	DET
fbem-24530	17	3	sample	sample	NOUN
fbem-24530	17	4	recovery	recovery	NOUN
fbem-24530	17	5	,	,	PUNCT
fbem-24530	17	6	most	most	ADJ
fbem-24530	17	7	university	university	NOUN
fbem-24530	17	8	students	student	NOUN
fbem-24530	17	9	in	in	ADP
fbem-24530	17	10	guangzhou	guangzhou	PROPN
fbem-24530	17	11	now	now	ADV
fbem-24530	17	12	earn	earn	VERB
fbem-24530	17	13	2,500~3,000	2,500~3,000	NUM
fbem-24530	17	14	cny	cny	NOUN
fbem-24530	17	15	per	per	ADP
fbem-24530	17	16	month	month	NOUN
fbem-24530	17	17	,	,	PUNCT
fbem-24530	17	18	followed	follow	VERB
fbem-24530	17	19	by	by	ADP
fbem-24530	17	20	1,000~2,000	1,000~2,000	NUM
fbem-24530	17	21	cny	cny	NOUN
fbem-24530	17	22	,	,	PUNCT
fbem-24530	17	23	3,000~3,500	3,000~3,500	PROPN
fbem-24530	17	24	cny	cny	NOUN
fbem-24530	17	25	and	and	CCONJ
fbem-24530	17	26	2,000~2,500	2,000~2,500	NUM
fbem-24530	17	27	cny	cny	NOUN
fbem-24530	17	28	,	,	PUNCT
fbem-24530	17	29	and	and	CCONJ
fbem-24530	17	30	there	there	PRON
fbem-24530	17	31	are	be	VERB
fbem-24530	17	32	fewer	few	ADJ
fbem-24530	17	33	university	university	NOUN
fbem-24530	17	34	students	student	NOUN
fbem-24530	17	35	earning	earn	VERB
fbem-24530	17	36	more	more	ADJ
fbem-24530	17	37	than	than	ADP
fbem-24530	17	38	4,000	4,000	NUM
fbem-24530	17	39	cny	cny	NOUN
fbem-24530	17	40	per	per	ADP
fbem-24530	17	41	month	month	NOUN
fbem-24530	17	42	.	.	PUNCT
fbem-24530	18	1	2	2	NUM
fbem-24530	18	2	table	table	NOUN
fbem-24530	18	3	1	1	NUM
fbem-24530	18	4	.	.	PUNCT
fbem-24530	18	5	statistical	statistical	ADJ
fbem-24530	18	6	descriptive	descriptive	ADJ
fbem-24530	18	7	analysis	analysis	NOUN
fbem-24530	18	8	of	of	ADP
fbem-24530	18	9	the	the	DET
fbem-24530	18	10	sample	sample	NOUN
fbem-24530	18	11	name	name	NOUN
fbem-24530	18	12	(	(	PUNCT
fbem-24530	18	13	of	of	ADP
fbem-24530	18	14	a	a	DET
fbem-24530	18	15	thing	thing	NOUN
fbem-24530	18	16	)	)	PUNCT
fbem-24530	18	17	options	option	NOUN
fbem-24530	18	18	(	(	PUNCT
fbem-24530	18	19	as	as	ADP
fbem-24530	18	20	in	in	ADP
fbem-24530	18	21	computer	computer	NOUN
fbem-24530	18	22	software	software	NOUN
fbem-24530	18	23	settings	setting	NOUN
fbem-24530	18	24	)	)	PUNCT
fbem-24530	18	25	frequency	frequency	NOUN
fbem-24530	18	26	percentage	percentage	NOUN
fbem-24530	18	27	(	(	PUNCT
fbem-24530	18	28	%	%	NOUN
fbem-24530	18	29	)	)	PUNCT
fbem-24530	18	30	1	1	X
fbem-24530	18	31	.	.	PUNCT
fbem-24530	19	1	please	please	INTJ
fbem-24530	19	2	select	select	VERB
fbem-24530	19	3	the	the	DET
fbem-24530	19	4	city	city	NOUN
fbem-24530	19	5	.	.	PUNCT
fbem-24530	20	1	guangdong	guangdong	PROPN
fbem-24530	20	2	guangzhou	guangzhou	PROPN
fbem-24530	20	3	264	264	NUM
fbem-24530	20	4	100.00	100.00	NUM
fbem-24530	20	5	2	2	NUM
fbem-24530	20	6	.	.	PUNCT
fbem-24530	21	1	your	your	PRON
fbem-24530	21	2	gender	gender	NOUN
fbem-24530	21	3	male	male	NOUN
fbem-24530	21	4	123	123	NUM
fbem-24530	21	5	46.59	46.59	NUM
fbem-24530	21	6	women	woman	NOUN
fbem-24530	21	7	141	141	NUM
fbem-24530	21	8	53.41	53.41	NUM
fbem-24530	21	9	3	3	NUM
fbem-24530	21	10	.	.	PUNCT
fbem-24530	22	1	your	your	PRON
fbem-24530	22	2	academic	academic	ADJ
fbem-24530	22	3	qualifications	qualification	NOUN
fbem-24530	22	4	undergraduate	undergraduate	NOUN
fbem-24530	22	5	(	(	PUNCT
fbem-24530	22	6	adjective	adjective	ADJ
fbem-24530	22	7	)	)	PUNCT
fbem-24530	22	8	264	264	NUM
fbem-24530	22	9	100.00	100.00	NUM
fbem-24530	22	10	4	4	NUM
fbem-24530	22	11	.	.	PUNCT
fbem-24530	23	1	your	your	PRON
fbem-24530	23	2	grade	grade	NOUN
fbem-24530	23	3	in	in	ADP
fbem-24530	23	4	school	school	NOUN
fbem-24530	23	5	first	first	ADJ
fbem-24530	23	6	-	-	PUNCT
fbem-24530	23	7	year	year	NOUN
fbem-24530	23	8	university	university	NOUN
fbem-24530	23	9	student	student	NOUN
fbem-24530	23	10	71	71	NUM
fbem-24530	23	11	26.89	26.89	NUM
fbem-24530	23	12	second	second	ADJ
fbem-24530	23	13	-	-	PUNCT
fbem-24530	23	14	year	year	NOUN
fbem-24530	23	15	university	university	NOUN
fbem-24530	23	16	student	student	NOUN
fbem-24530	23	17	62	62	NUM
fbem-24530	23	18	23.48	23.48	NUM
fbem-24530	23	19	third	third	ADJ
fbem-24530	23	20	-	-	PUNCT
fbem-24530	23	21	year	year	NOUN
fbem-24530	23	22	university	university	NOUN
fbem-24530	23	23	student	student	NOUN
fbem-24530	23	24	58	58	NUM
fbem-24530	23	25	21.97	21.97	NUM
fbem-24530	23	26	fourth	fourth	ADJ
fbem-24530	23	27	-	-	PUNCT
fbem-24530	23	28	year	year	NOUN
fbem-24530	23	29	university	university	NOUN
fbem-24530	23	30	student	student	NOUN
fbem-24530	23	31	73	73	NUM
fbem-24530	23	32	27.65	27.65	NUM
fbem-24530	23	33	5	5	NUM
fbem-24530	23	34	.	.	PUNCT
fbem-24530	24	1	your	your	PRON
fbem-24530	24	2	speciality	speciality	NOUN
fbem-24530	24	3	is	be	AUX
fbem-24530	24	4	humanities	humanity	NOUN
fbem-24530	24	5	42	42	NUM
fbem-24530	24	6	15.91	15.91	NUM
fbem-24530	24	7	shangke	shangke	PROPN
fbem-24530	24	8	corporation	corporation	PROPN
fbem-24530	24	9	,	,	PUNCT
fbem-24530	24	10	prc	prc	PROPN
fbem-24530	24	11	it	it	PRON
fbem-24530	24	12	company	company	NOUN
fbem-24530	24	13	(	(	PUNCT
fbem-24530	24	14	since	since	SCONJ
fbem-24530	24	15	1994	1994	NUM
fbem-24530	24	16	)	)	PUNCT
fbem-24530	24	17	56	56	NUM
fbem-24530	24	18	21.21	21.21	NUM
fbem-24530	24	19	science	science	NOUN
fbem-24530	24	20	and	and	CCONJ
fbem-24530	24	21	engineering	engineering	NOUN
fbem-24530	24	22	as	as	ADP
fbem-24530	24	23	academic	academic	ADJ
fbem-24530	24	24	subjects	subject	NOUN
fbem-24530	24	25	71	71	NUM
fbem-24530	24	26	26.89	26.89	NUM
fbem-24530	24	27	agronomy	agronomy	NOUN
fbem-24530	24	28	30	30	NUM
fbem-24530	24	29	11.36	11.36	NUM
fbem-24530	24	30	study	study	NOUN
fbem-24530	24	31	of	of	ADP
fbem-24530	24	32	medicine	medicine	NOUN
fbem-24530	24	33	32	32	NUM
fbem-24530	24	34	12.12	12.12	NUM
fbem-24530	24	35	artists	artist	NOUN
fbem-24530	24	36	33	33	NUM
fbem-24530	24	37	12.50	12.50	NUM
fbem-24530	24	38	6	6	NUM
fbem-24530	24	39	.	.	PUNCT
fbem-24530	25	1	your	your	PRON
fbem-24530	25	2	income	income	NOUN
fbem-24530	25	3	level	level	NOUN
fbem-24530	25	4	1000~1500	1000~1500	NUM
fbem-24530	25	5	cny	cny	NOUN
fbem-24530	25	6	61	61	NUM
fbem-24530	25	7	23.11	23.11	NUM
fbem-24530	25	8	1500~2000	1500~2000	NUM
fbem-24530	25	9	cny	cny	NOUN
fbem-24530	25	10	61	61	NUM
fbem-24530	25	11	23.11	23.11	NUM
fbem-24530	25	12	2000~2500	2000~2500	NUM
fbem-24530	25	13	cny	cny	NOUN
fbem-24530	25	14	31	31	NUM
fbem-24530	25	15	11.74	11.74	NUM
fbem-24530	25	16	2500~3000	2500~3000	NUM
fbem-24530	25	17	cny	cny	NOUN
fbem-24530	25	18	65	65	NUM
fbem-24530	25	19	24.62	24.62	NUM
fbem-24530	25	20	3000~3500	3000~3500	NUM
fbem-24530	25	21	cny	cny	NOUN
fbem-24530	25	22	35	35	NUM
fbem-24530	25	23	13.26	13.26	NUM
fbem-24530	25	24	4000~4500	4000~4500	NUM
fbem-24530	25	25	cny	cny	NOUN
fbem-24530	25	26	4	4	NUM
fbem-24530	25	27	1.52	1.52	NUM
fbem-24530	25	28	5000	5000	NUM
fbem-24530	25	29	or	or	CCONJ
fbem-24530	25	30	more	more	ADJ
fbem-24530	25	31	7	7	NUM
fbem-24530	25	32	2.65	2.65	NUM
fbem-24530	25	33	7	7	NUM
fbem-24530	25	34	.	.	PUNCT
fbem-24530	26	1	your	your	PRON
fbem-24530	26	2	consumption	consumption	NOUN
fbem-24530	26	3	level	level	NOUN
fbem-24530	26	4	less	less	ADJ
fbem-24530	26	5	than	than	ADP
fbem-24530	26	6	1000	1000	NUM
fbem-24530	26	7	91	91	NUM
fbem-24530	26	8	34.47	34.47	NUM
fbem-24530	26	9	1000~2000	1000~2000	NUM
fbem-24530	26	10	cny	cny	NOUN
fbem-24530	26	11	100	100	NUM
fbem-24530	26	12	37.88	37.88	NUM
fbem-24530	26	13	2000~3000	2000~3000	NUM
fbem-24530	26	14	cny	cny	NOUN
fbem-24530	26	15	66	66	NUM
fbem-24530	26	16	25.00	25.00	NUM
fbem-24530	26	17	3000~4000	3000~4000	NUM
fbem-24530	26	18	cny	cny	NOUN
fbem-24530	26	19	3	3	NUM
fbem-24530	26	20	1.14	1.14	NUM
fbem-24530	26	21	4000~5000	4000~5000	NUM
fbem-24530	26	22	cny	cny	NOUN
fbem-24530	26	23	3	3	NUM
fbem-24530	26	24	1.14	1.14	NUM
fbem-24530	26	25	5000	5000	NUM
fbem-24530	26	26	or	or	CCONJ
fbem-24530	26	27	more	more	ADJ
fbem-24530	26	28	1	1	NUM
fbem-24530	26	29	0.38	0.38	NUM
fbem-24530	26	30	(	(	PUNCT
fbem-24530	26	31	5	5	NUM
fbem-24530	26	32	)	)	PUNCT
fbem-24530	26	33	there	there	PRON
fbem-24530	26	34	are	be	VERB
fbem-24530	26	35	six	six	NUM
fbem-24530	26	36	options	option	NOUN
fbem-24530	26	37	for	for	ADP
fbem-24530	26	38	the	the	DET
fbem-24530	26	39	consumption	consumption	NOUN
fbem-24530	26	40	level	level	NOUN
fbem-24530	26	41	of	of	ADP
fbem-24530	26	42	this	this	DET
fbem-24530	26	43	statistic	statistic	NOUN
fbem-24530	26	44	,	,	PUNCT
fbem-24530	26	45	which	which	PRON
fbem-24530	26	46	are	be	AUX
fbem-24530	26	47	monthly	monthly	ADJ
fbem-24530	26	48	consumption	consumption	NOUN
fbem-24530	26	49	of	of	ADP
fbem-24530	26	50	less	less	ADJ
fbem-24530	26	51	than	than	ADP
fbem-24530	26	52	1,000	1,000	NUM
fbem-24530	26	53	cny	cny	NOUN
fbem-24530	26	54	91	91	NUM
fbem-24530	26	55	people	people	NOUN
fbem-24530	26	56	,	,	PUNCT
fbem-24530	26	57	accounting	account	VERB
fbem-24530	26	58	for	for	ADP
fbem-24530	26	59	34.47	34.47	NUM
fbem-24530	26	60	%	%	NOUN
fbem-24530	26	61	of	of	ADP
fbem-24530	26	62	the	the	DET
fbem-24530	26	63	overall	overall	ADJ
fbem-24530	26	64	ratio	ratio	NOUN
fbem-24530	26	65	;	;	PUNCT
fbem-24530	26	66	monthly	monthly	ADJ
fbem-24530	26	67	consumption	consumption	NOUN
fbem-24530	26	68	of	of	ADP
fbem-24530	26	69	1,000~2,000	1,000~2,000	NUM
fbem-24530	26	70	cny	cny	NOUN
fbem-24530	26	71	100	100	NUM
fbem-24530	26	72	people	people	NOUN
fbem-24530	26	73	,	,	PUNCT
fbem-24530	26	74	accounting	account	VERB
fbem-24530	26	75	for	for	ADP
fbem-24530	26	76	37.88	37.88	NUM
fbem-24530	26	77	%	%	NOUN
fbem-24530	26	78	of	of	ADP
fbem-24530	26	79	the	the	DET
fbem-24530	26	80	overall	overall	ADJ
fbem-24530	26	81	ratio	ratio	NOUN
fbem-24530	26	82	;	;	PUNCT
fbem-24530	26	83	monthly	monthly	ADJ
fbem-24530	26	84	consumption	consumption	NOUN
fbem-24530	26	85	of	of	ADP
fbem-24530	26	86	2,000~3,000	2,000~3,000	NUM
fbem-24530	26	87	cny	cny	NOUN
fbem-24530	26	88	66	66	NUM
fbem-24530	26	89	people	people	NOUN
fbem-24530	26	90	,	,	PUNCT
fbem-24530	26	91	accounting	account	VERB
fbem-24530	26	92	for	for	ADP
fbem-24530	26	93	25.00	25.00	NUM
fbem-24530	26	94	%	%	NOUN
fbem-24530	26	95	of	of	ADP
fbem-24530	26	96	the	the	DET
fbem-24530	26	97	overall	overall	ADJ
fbem-24530	26	98	ratio	ratio	NOUN
fbem-24530	26	99	;	;	PUNCT
fbem-24530	26	100	monthly	monthly	ADJ
fbem-24530	26	101	consumption	consumption	NOUN
fbem-24530	26	102	of	of	ADP
fbem-24530	26	103	3,000~4,000	3,000~4,000	NUM
fbem-24530	26	104	cny	cny	NOUN
fbem-24530	26	105	3	3	NUM
fbem-24530	26	106	people	people	NOUN
fbem-24530	26	107	,	,	PUNCT
fbem-24530	26	108	accounting	account	VERB
fbem-24530	26	109	for	for	ADP
fbem-24530	26	110	1.14	1.14	NUM
fbem-24530	26	111	%	%	NOUN
fbem-24530	26	112	of	of	ADP
fbem-24530	26	113	the	the	DET
fbem-24530	26	114	overall	overall	ADJ
fbem-24530	26	115	ratio	ratio	NOUN
fbem-24530	26	116	;	;	PUNCT
fbem-24530	26	117	monthly	monthly	ADJ
fbem-24530	26	118	consumption	consumption	NOUN
fbem-24530	26	119	of	of	ADP
fbem-24530	26	120	4,000~5,000	4,000~5,000	NUM
fbem-24530	26	121	cny	cny	NOUN
fbem-24530	26	122	3	3	NUM
fbem-24530	26	123	people	people	NOUN
fbem-24530	26	124	,	,	PUNCT
fbem-24530	26	125	accounting	account	VERB
fbem-24530	26	126	for	for	ADP
fbem-24530	26	127	1.14	1.14	NUM
fbem-24530	26	128	%	%	NOUN
fbem-24530	26	129	of	of	ADP
fbem-24530	26	130	the	the	DET
fbem-24530	26	131	overall	overall	ADJ
fbem-24530	26	132	ratio	ratio	NOUN
fbem-24530	26	133	;	;	PUNCT
fbem-24530	26	134	monthly	monthly	ADJ
fbem-24530	26	135	consumption	consumption	NOUN
fbem-24530	26	136	of	of	ADP
fbem-24530	26	137	5,000	5,000	NUM
fbem-24530	26	138	cny	cny	NOUN
fbem-24530	26	139	and	and	CCONJ
fbem-24530	26	140	above	above	ADP
fbem-24530	26	141	1.14	1.14	NUM
fbem-24530	26	142	%	%	NOUN
fbem-24530	26	143	.	.	PUNCT
fbem-24530	27	1	the	the	DET
fbem-24530	27	2	monthly	monthly	ADJ
fbem-24530	27	3	consumption	consumption	NOUN
fbem-24530	27	4	of	of	ADP
fbem-24530	27	5	2,000~3,000	2,000~3,000	NUM
fbem-24530	27	6	cny	cny	NOUN
fbem-24530	27	7	is	be	AUX
fbem-24530	27	8	66	66	NUM
fbem-24530	27	9	people	people	NOUN
fbem-24530	27	10	,	,	PUNCT
fbem-24530	27	11	accounting	account	VERB
fbem-24530	27	12	for	for	ADP
fbem-24530	27	13	25.00	25.00	NUM
fbem-24530	27	14	%	%	NOUN
fbem-24530	27	15	of	of	ADP
fbem-24530	27	16	the	the	DET
fbem-24530	27	17	total	total	NOUN
fbem-24530	27	18	;	;	PUNCT
fbem-24530	27	19	the	the	DET
fbem-24530	27	20	monthly	monthly	ADJ
fbem-24530	27	21	consumption	consumption	NOUN
fbem-24530	27	22	of	of	ADP
fbem-24530	27	23	3,000~4,000	3,000~4,000	NUM
fbem-24530	27	24	cny	cny	NOUN
fbem-24530	27	25	is	be	AUX
fbem-24530	27	26	3	3	NUM
fbem-24530	27	27	people	people	NOUN
fbem-24530	27	28	,	,	PUNCT
fbem-24530	27	29	accounting	account	VERB
fbem-24530	27	30	for	for	ADP
fbem-24530	27	31	1.14	1.14	NUM
fbem-24530	27	32	%	%	NOUN
fbem-24530	27	33	of	of	ADP
fbem-24530	27	34	the	the	DET
fbem-24530	27	35	total	total	NOUN
fbem-24530	27	36	;	;	PUNCT
fbem-24530	27	37	the	the	DET
fbem-24530	27	38	monthly	monthly	ADJ
fbem-24530	27	39	consumption	consumption	NOUN
fbem-24530	27	40	of	of	ADP
fbem-24530	27	41	4,000~5,000	4,000~5,000	NUM
fbem-24530	27	42	cny	cny	NOUN
fbem-24530	27	43	is	be	AUX
fbem-24530	27	44	3	3	NUM
fbem-24530	27	45	people	people	NOUN
fbem-24530	27	46	,	,	PUNCT
fbem-24530	27	47	accounting	account	VERB
fbem-24530	27	48	for	for	ADP
fbem-24530	27	49	1.14	1.14	NUM
fbem-24530	27	50	%	%	NOUN
fbem-24530	27	51	of	of	ADP
fbem-24530	27	52	the	the	DET
fbem-24530	27	53	total	total	NOUN
fbem-24530	27	54	;	;	PUNCT
fbem-24530	27	55	the	the	DET
fbem-24530	27	56	monthly	monthly	ADJ
fbem-24530	27	57	consumption	consumption	NOUN
fbem-24530	27	58	of	of	ADP
fbem-24530	27	59	more	more	ADJ
fbem-24530	27	60	than	than	ADP
fbem-24530	27	61	5,000	5,000	NUM
fbem-24530	27	62	cny	cny	NOUN
fbem-24530	27	63	is	be	AUX
fbem-24530	27	64	1	1	NUM
fbem-24530	27	65	person	person	NOUN
fbem-24530	27	66	,	,	PUNCT
fbem-24530	27	67	accounting	account	VERB
fbem-24530	27	68	for	for	ADP
fbem-24530	27	69	0.38	0.38	NUM
fbem-24530	27	70	%	%	NOUN
fbem-24530	27	71	of	of	ADP
fbem-24530	27	72	the	the	DET
fbem-24530	27	73	total	total	NOUN
fbem-24530	27	74	.	.	PUNCT
fbem-24530	28	1	in	in	ADP
fbem-24530	28	2	terms	term	NOUN
fbem-24530	28	3	of	of	ADP
fbem-24530	28	4	sample	sample	NOUN
fbem-24530	28	5	recovery	recovery	NOUN
fbem-24530	28	6	,	,	PUNCT
fbem-24530	28	7	there	there	PRON
fbem-24530	28	8	are	be	VERB
fbem-24530	28	9	more	more	ADJ
fbem-24530	28	10	college	college	NOUN
fbem-24530	28	11	students	student	NOUN
fbem-24530	28	12	who	who	PRON
fbem-24530	28	13	spend	spend	VERB
fbem-24530	28	14	less	less	ADJ
fbem-24530	28	15	than	than	ADP
fbem-24530	28	16	2,000	2,000	NUM
fbem-24530	28	17	cny	cny	NOUN
fbem-24530	28	18	per	per	ADP
fbem-24530	28	19	month	month	NOUN
fbem-24530	28	20	,	,	PUNCT
fbem-24530	28	21	followed	follow	VERB
fbem-24530	28	22	by	by	ADP
fbem-24530	28	23	those	those	PRON
fbem-24530	28	24	who	who	PRON
fbem-24530	28	25	spend	spend	VERB
fbem-24530	28	26	2,000~3,000	2,000~3,000	NUM
fbem-24530	28	27	cny	cny	NOUN
fbem-24530	28	28	per	per	ADP
fbem-24530	28	29	month	month	NOUN
fbem-24530	28	30	,	,	PUNCT
fbem-24530	28	31	and	and	CCONJ
fbem-24530	28	32	there	there	PRON
fbem-24530	28	33	are	be	VERB
fbem-24530	28	34	fewer	few	ADJ
fbem-24530	28	35	college	college	NOUN
fbem-24530	28	36	students	student	NOUN
fbem-24530	28	37	who	who	PRON
fbem-24530	28	38	spend	spend	VERB
fbem-24530	28	39	more	more	ADJ
fbem-24530	28	40	than	than	ADP
fbem-24530	28	41	3,000	3,000	NUM
fbem-24530	28	42	cny	cny	NOUN
fbem-24530	28	43	per	per	ADP
fbem-24530	28	44	month	month	NOUN
fbem-24530	28	45	.	.	PUNCT
fbem-24530	29	1	3.1.2	3.1.2	X
fbem-24530	29	2	.	.	PUNCT
fbem-24530	29	3	descriptive	descriptive	ADJ
fbem-24530	29	4	statistical	statistical	ADJ
fbem-24530	29	5	analysis	analysis	NOUN
fbem-24530	29	6	of	of	ADP
fbem-24530	29	7	research	research	NOUN
fbem-24530	29	8	variables	variable	NOUN
fbem-24530	29	9	from	from	ADP
fbem-24530	29	10	the	the	DET
fbem-24530	29	11	valid	valid	ADJ
fbem-24530	29	12	sample	sample	NOUN
fbem-24530	29	13	data	datum	NOUN
fbem-24530	29	14	,	,	PUNCT
fbem-24530	29	15	frequency	frequency	NOUN
fbem-24530	29	16	analysis	analysis	NOUN
fbem-24530	29	17	and	and	CCONJ
fbem-24530	29	18	multiple	multiple	ADJ
fbem-24530	29	19	response	response	NOUN
fbem-24530	29	20	analysis	analysis	NOUN
fbem-24530	29	21	(	(	PUNCT
fbem-24530	29	22	the	the	DET
fbem-24530	29	23	multiple	multiple	ADJ
fbem-24530	29	24	response	response	NOUN
fbem-24530	29	25	analyses	analysis	NOUN
fbem-24530	29	26	are	be	AUX
fbem-24530	29	27	shown	show	VERB
fbem-24530	29	28	in	in	ADP
fbem-24530	29	29	table	table	NOUN
fbem-24530	29	30	2	2	NUM
fbem-24530	29	31	,	,	PUNCT
fbem-24530	29	32	table	table	NOUN
fbem-24530	29	33	3	3	NUM
fbem-24530	29	34	,	,	PUNCT
fbem-24530	29	35	table	table	NOUN
fbem-24530	29	36	5	5	NUM
fbem-24530	29	37	,	,	PUNCT
fbem-24530	29	38	table	table	NOUN
fbem-24530	29	39	7	7	NUM
fbem-24530	29	40	,	,	PUNCT
fbem-24530	29	41	table	table	NOUN
fbem-24530	29	42	8	8	NUM
fbem-24530	29	43	,	,	PUNCT
fbem-24530	29	44	table	table	NOUN
fbem-24530	29	45	9	9	NUM
fbem-24530	29	46	,	,	PUNCT
fbem-24530	29	47	table	table	NOUN
fbem-24530	29	48	10	10	NUM
fbem-24530	29	49	,	,	PUNCT
fbem-24530	29	50	table	table	NOUN
fbem-24530	29	51	11	11	NUM
fbem-24530	29	52	,	,	PUNCT
fbem-24530	29	53	and	and	CCONJ
fbem-24530	29	54	table	table	NOUN
fbem-24530	29	55	12	12	NUM
fbem-24530	29	56	,	,	PUNCT
fbem-24530	29	57	where	where	SCONJ
fbem-24530	29	58	n	n	PRON
fbem-24530	29	59	represents	represent	VERB
fbem-24530	29	60	the	the	DET
fbem-24530	29	61	responses	response	NOUN
fbem-24530	29	62	made	make	VERB
fbem-24530	29	63	by	by	ADP
fbem-24530	29	64	the	the	DET
fbem-24530	29	65	valid	valid	ADJ
fbem-24530	29	66	sample	sample	NOUN
fbem-24530	29	67	data	datum	NOUN
fbem-24530	29	68	for	for	ADP
fbem-24530	29	69	this	this	DET
fbem-24530	29	70	survey	survey	NOUN
fbem-24530	29	71	,	,	PUNCT
fbem-24530	29	72	the	the	DET
fbem-24530	29	73	response	response	NOUN
fbem-24530	29	74	rate	rate	NOUN
fbem-24530	29	75	represents	represent	VERB
fbem-24530	29	76	the	the	DET
fbem-24530	29	77	overall	overall	ADJ
fbem-24530	29	78	proportion	proportion	NOUN
fbem-24530	29	79	of	of	ADP
fbem-24530	29	80	n	n	PRON
fbem-24530	29	81	values	value	NOUN
fbem-24530	29	82	in	in	ADP
fbem-24530	29	83	this	this	DET
fbem-24530	29	84	option	option	NOUN
fbem-24530	29	85	to	to	ADP
fbem-24530	29	86	the	the	DET
fbem-24530	29	87	aggregated	aggregated	ADJ
fbem-24530	29	88	n	n	PRON
fbem-24530	29	89	values	value	NOUN
fbem-24530	29	90	,	,	PUNCT
fbem-24530	29	91	and	and	CCONJ
fbem-24530	29	92	the	the	DET
fbem-24530	29	93	prevalence	prevalence	NOUN
fbem-24530	29	94	rate	rate	NOUN
fbem-24530	29	95	represents	represent	VERB
fbem-24530	29	96	the	the	DET
fbem-24530	29	97	overall	overall	ADJ
fbem-24530	29	98	proportion	proportion	NOUN
fbem-24530	29	99	of	of	ADP
fbem-24530	29	100	n	n	PRON
fbem-24530	29	101	values	value	NOUN
fbem-24530	29	102	in	in	ADP
fbem-24530	29	103	this	this	DET
fbem-24530	29	104	option	option	NOUN
fbem-24530	29	105	to	to	ADP
fbem-24530	29	106	the	the	DET
fbem-24530	29	107	total	total	ADJ
fbem-24530	29	108	number	number	NOUN
fbem-24530	29	109	of	of	ADP
fbem-24530	29	110	264	264	NUM
fbem-24530	29	111	people	people	NOUN
fbem-24530	29	112	in	in	ADP
fbem-24530	29	113	this	this	DET
fbem-24530	29	114	valid	valid	ADJ
fbem-24530	29	115	sample	sample	NOUN
fbem-24530	29	116	.	.	PUNCT
fbem-24530	30	1	because	because	SCONJ
fbem-24530	30	2	the	the	DET
fbem-24530	30	3	prevalence	prevalence	NOUN
fbem-24530	30	4	rate	rate	NOUN
fbem-24530	30	5	is	be	AUX
fbem-24530	30	6	relatively	relatively	ADV
fbem-24530	30	7	more	more	ADV
fbem-24530	30	8	representative	representative	ADJ
fbem-24530	30	9	,	,	PUNCT
fbem-24530	30	10	this	this	DET
fbem-24530	30	11	thesis	thesis	NOUN
fbem-24530	30	12	focuses	focus	VERB
fbem-24530	30	13	on	on	ADP
fbem-24530	30	14	describing	describe	VERB
fbem-24530	30	15	the	the	DET
fbem-24530	30	16	prevalence	prevalence	NOUN
fbem-24530	30	17	rate	rate	NOUN
fbem-24530	30	18	.	.	PUNCT
fbem-24530	30	19	)	)	PUNCT
fbem-24530	30	20	were	be	AUX
fbem-24530	30	21	conducted	conduct	VERB
fbem-24530	30	22	on	on	ADP
fbem-24530	30	23	the	the	DET
fbem-24530	30	24	single	single	ADJ
fbem-24530	30	25	-	-	PUNCT
fbem-24530	30	26	choice	choice	NOUN
fbem-24530	30	27	and	and	CCONJ
fbem-24530	30	28	multiple	multiple	ADJ
fbem-24530	30	29	-	-	PUNCT
fbem-24530	30	30	choice	choice	NOUN
fbem-24530	30	31	questions	question	NOUN
fbem-24530	30	32	in	in	ADP
fbem-24530	30	33	the	the	DET
fbem-24530	30	34	questionnaire	questionnaire	NOUN
fbem-24530	30	35	respectively	respectively	ADV
fbem-24530	30	36	to	to	PART
fbem-24530	30	37	obtain	obtain	VERB
fbem-24530	30	38	the	the	DET
fbem-24530	30	39	current	current	ADJ
fbem-24530	30	40	status	status	NOUN
fbem-24530	30	41	of	of	ADP
fbem-24530	30	42	the	the	DET
fbem-24530	30	43	use	use	NOUN
fbem-24530	30	44	of	of	ADP
fbem-24530	30	45	digital	digital	ADJ
fbem-24530	30	46	financial	financial	ADJ
fbem-24530	30	47	inclusion	inclusion	NOUN
fbem-24530	30	48	by	by	ADP
fbem-24530	30	49	university	university	NOUN
fbem-24530	30	50	students	student	NOUN
fbem-24530	30	51	in	in	ADP
fbem-24530	30	52	guangzhou	guangzhou	PROPN
fbem-24530	30	53	city	city	PROPN
fbem-24530	30	54	,	,	PUNCT
fbem-24530	30	55	details	detail	NOUN
fbem-24530	30	56	are	be	AUX
fbem-24530	30	57	as	as	SCONJ
fbem-24530	30	58	follows	follow	VERB
fbem-24530	30	59	:	:	PUNCT
fbem-24530	30	60	(	(	PUNCT
fbem-24530	30	61	1	1	X
fbem-24530	30	62	)	)	PUNCT
fbem-24530	30	63	types	type	NOUN
fbem-24530	30	64	of	of	ADP
fbem-24530	30	65	digital	digital	ADJ
fbem-24530	30	66	financial	financial	ADJ
fbem-24530	30	67	inclusion	inclusion	NOUN
fbem-24530	30	68	products	product	NOUN
fbem-24530	30	69	used	use	VERB
fbem-24530	30	70	table	table	NOUN
fbem-24530	30	71	2	2	NUM
fbem-24530	30	72	.	.	PUNCT
fbem-24530	31	1	summary	summary	NOUN
fbem-24530	31	2	of	of	ADP
fbem-24530	31	3	response	response	NOUN
fbem-24530	31	4	rates	rate	NOUN
fbem-24530	31	5	and	and	CCONJ
fbem-24530	31	6	penetration	penetration	NOUN
fbem-24530	31	7	rates	rate	NOUN
fbem-24530	31	8	for	for	ADP
fbem-24530	31	9	types	type	NOUN
fbem-24530	31	10	of	of	ADP
fbem-24530	31	11	digital	digital	ADJ
fbem-24530	31	12	financial	financial	ADJ
fbem-24530	31	13	inclusion	inclusion	NOUN
fbem-24530	31	14	products	product	NOUN
fbem-24530	31	15	used	use	VERB
fbem-24530	31	16	grid	grid	NOUN
fbem-24530	31	17	term	term	NOUN
fbem-24530	31	18	(	(	PUNCT
fbem-24530	31	19	in	in	ADP
fbem-24530	31	20	a	a	DET
fbem-24530	31	21	mathematical	mathematical	ADJ
fbem-24530	31	22	formula	formula	NOUN
fbem-24530	31	23	)	)	PUNCT
fbem-24530	31	24	responsive	responsive	ADJ
fbem-24530	31	25	prevalence	prevalence	NOUN
fbem-24530	31	26	(	(	PUNCT
fbem-24530	31	27	n=264	n=264	NOUN
fbem-24530	31	28	)	)	PUNCT
fbem-24530	31	29	n	n	PRON
fbem-24530	31	30	response	response	NOUN
fbem-24530	31	31	rate	rate	NOUN
fbem-24530	31	32	9	9	NUM
fbem-24530	31	33	.	.	PUNCT
fbem-24530	32	1	(	(	PUNCT
fbem-24530	32	2	sweeping	sweep	VERB
fbem-24530	32	3	code	code	NOUN
fbem-24530	32	4	payment	payment	NOUN
fbem-24530	32	5	)	)	PUNCT
fbem-24530	32	6	204	204	NUM
fbem-24530	32	7	20.30	20.30	NUM
fbem-24530	32	8	per	per	ADP
fbem-24530	32	9	cent	cent	NOUN
fbem-24530	32	10	77.27	77.27	NUM
fbem-24530	32	11	per	per	ADP
fbem-24530	32	12	cent	cent	NOUN
fbem-24530	32	13	9	9	NUM
fbem-24530	32	14	.	.	PUNCT
fbem-24530	33	1	(	(	PUNCT
fbem-24530	33	2	subsistence	subsistence	NOUN
fbem-24530	33	3	contributions	contribution	NOUN
fbem-24530	33	4	)	)	PUNCT
fbem-24530	33	5	129	129	NUM
fbem-24530	33	6	12.84	12.84	NUM
fbem-24530	33	7	per	per	ADP
fbem-24530	33	8	cent	cent	NOUN
fbem-24530	33	9	48.86	48.86	NUM
fbem-24530	33	10	per	per	ADP
fbem-24530	33	11	cent	cent	NOUN
fbem-24530	33	12	9	9	NUM
fbem-24530	33	13	.	.	PUNCT
fbem-24530	34	1	(	(	PUNCT
fbem-24530	34	2	online	online	ADJ
fbem-24530	34	3	shopping	shopping	NOUN
fbem-24530	34	4	)	)	PUNCT
fbem-24530	34	5	201	201	NUM
fbem-24530	34	6	20.00	20.00	NUM
fbem-24530	34	7	per	per	ADP
fbem-24530	34	8	cent	cent	NOUN
fbem-24530	34	9	76.14	76.14	NUM
fbem-24530	34	10	per	per	ADP
fbem-24530	34	11	cent	cent	NOUN
fbem-24530	34	12	9	9	NUM
fbem-24530	34	13	.	.	PUNCT
fbem-24530	35	1	(	(	PUNCT
fbem-24530	35	2	remittances	remittance	NOUN
fbem-24530	35	3	)	)	PUNCT
fbem-24530	35	4	87	87	NUM
fbem-24530	35	5	8.66	8.66	NUM
fbem-24530	35	6	per	per	ADP
fbem-24530	35	7	cent	cent	NOUN
fbem-24530	35	8	32.95	32.95	NUM
fbem-24530	35	9	per	per	ADP
fbem-24530	35	10	cent	cent	NOUN
fbem-24530	35	11	9	9	NUM
fbem-24530	35	12	.	.	PUNCT
fbem-24530	36	1	(	(	PUNCT
fbem-24530	36	2	purchase	purchase	NOUN
fbem-24530	36	3	of	of	ADP
fbem-24530	36	4	insurance	insurance	NOUN
fbem-24530	36	5	)	)	PUNCT
fbem-24530	36	6	182	182	NUM
fbem-24530	36	7	18.11	18.11	NUM
fbem-24530	36	8	per	per	ADP
fbem-24530	36	9	cent	cent	NOUN
fbem-24530	36	10	68.94	68.94	NUM
fbem-24530	36	11	per	per	ADP
fbem-24530	36	12	cent	cent	NOUN
fbem-24530	36	13	9	9	NUM
fbem-24530	36	14	.	.	PUNCT
fbem-24530	37	1	(	(	PUNCT
fbem-24530	37	2	investment	investment	NOUN
fbem-24530	37	3	finance	finance	NOUN
fbem-24530	37	4	)	)	PUNCT
fbem-24530	37	5	160	160	NUM
fbem-24530	37	6	15.92	15.92	NUM
fbem-24530	37	7	per	per	ADP
fbem-24530	37	8	cent	cent	NOUN
fbem-24530	37	9	60.61	60.61	NUM
fbem-24530	37	10	per	per	ADP
fbem-24530	37	11	cent	cent	NOUN
fbem-24530	37	12	9	9	NUM
fbem-24530	37	13	.	.	PUNCT
fbem-24530	38	1	(	(	PUNCT
fbem-24530	38	2	loan	loan	NOUN
fbem-24530	38	3	financing	financing	NOUN
fbem-24530	38	4	)	)	PUNCT
fbem-24530	38	5	42	42	NUM
fbem-24530	38	6	4.18	4.18	NUM
fbem-24530	38	7	per	per	ADP
fbem-24530	38	8	cent	cent	NOUN
fbem-24530	38	9	15.91	15.91	NUM
fbem-24530	38	10	per	per	ADP
fbem-24530	38	11	cent	cent	NOUN
fbem-24530	38	12	9	9	NUM
fbem-24530	38	13	.	.	PUNCT
fbem-24530	39	1	(	(	PUNCT
fbem-24530	39	2	other	other	ADJ
fbem-24530	39	3	)	)	PUNCT
fbem-24530	39	4	0	0	NUM
fbem-24530	40	1	0.00	0.00	NUM
fbem-24530	40	2	per	per	ADP
fbem-24530	40	3	cent	cent	NOUN
fbem-24530	40	4	0.00	0.00	NUM
fbem-24530	40	5	per	per	ADP
fbem-24530	40	6	cent	cent	NOUN
fbem-24530	40	7	aggregation	aggregation	NOUN
fbem-24530	40	8	1005	1005	NUM
fbem-24530	40	9	100	100	NUM
fbem-24530	40	10	%	%	NOUN
fbem-24530	40	11	380.68	380.68	NUM
fbem-24530	40	12	per	per	ADP
fbem-24530	40	13	cent	cent	NOUN
fbem-24530	40	14	goodness	goodness	NOUN
fbem-24530	40	15	of	of	ADP
fbem-24530	40	16	fit	fit	ADJ
fbem-24530	40	17	test	test	NOUN
fbem-24530	40	18	:	:	PUNCT
fbem-24530	40	19	χ2	χ2	PROPN
fbem-24530	40	20	=	=	SYM
fbem-24530	40	21	322.085	322.085	NUM
fbem-24530	40	22	p=0.000	p=0.000	NOUN
fbem-24530	40	23	as	as	SCONJ
fbem-24530	40	24	shown	show	VERB
fbem-24530	40	25	in	in	ADP
fbem-24530	40	26	table	table	NOUN
fbem-24530	40	27	2	2	NUM
fbem-24530	40	28	,	,	PUNCT
fbem-24530	40	29	the	the	DET
fbem-24530	40	30	total	total	ADJ
fbem-24530	40	31	number	number	NOUN
fbem-24530	40	32	of	of	ADP
fbem-24530	40	33	responses	response	NOUN
fbem-24530	40	34	made	make	VERB
fbem-24530	40	35	by	by	ADP
fbem-24530	40	36	this	this	DET
fbem-24530	40	37	valid	valid	ADJ
fbem-24530	40	38	sample	sample	NOUN
fbem-24530	40	39	is	be	AUX
fbem-24530	40	40	1005	1005	NUM
fbem-24530	40	41	in	in	ADP
fbem-24530	40	42	total	total	NOUN
fbem-24530	40	43	,	,	PUNCT
fbem-24530	40	44	in	in	ADP
fbem-24530	40	45	which	which	PRON
fbem-24530	40	46	code	code	NOUN
fbem-24530	40	47	payment	payment	NOUN
fbem-24530	40	48	has	have	VERB
fbem-24530	40	49	the	the	DET
fbem-24530	40	50	highest	high	ADJ
fbem-24530	40	51	penetration	penetration	NOUN
fbem-24530	40	52	rate	rate	NOUN
fbem-24530	40	53	among	among	ADP
fbem-24530	40	54	university	university	NOUN
fbem-24530	40	55	students	student	NOUN
fbem-24530	40	56	in	in	ADP
fbem-24530	40	57	guangzhou	guangzhou	PROPN
fbem-24530	40	58	nowadays	nowadays	ADV
fbem-24530	40	59	,	,	PUNCT
fbem-24530	40	60	which	which	PRON
fbem-24530	40	61	is	be	AUX
fbem-24530	40	62	77.27	77.27	NUM
fbem-24530	40	63	%	%	NOUN
fbem-24530	40	64	.	.	PUNCT
fbem-24530	41	1	it	it	PRON
fbem-24530	41	2	is	be	AUX
fbem-24530	41	3	followed	follow	VERB
fbem-24530	41	4	by	by	ADP
fbem-24530	41	5	online	online	NOUN
fbem-24530	41	6	shopping	shopping	NOUN
fbem-24530	41	7	with	with	ADP
fbem-24530	41	8	a	a	DET
fbem-24530	41	9	penetration	penetration	NOUN
fbem-24530	41	10	rate	rate	NOUN
fbem-24530	41	11	of	of	ADP
fbem-24530	41	12	76.14	76.14	NUM
fbem-24530	41	13	per	per	ADP
fbem-24530	41	14	cent	cent	NOUN
fbem-24530	41	15	,	,	PUNCT
fbem-24530	41	16	and	and	CCONJ
fbem-24530	41	17	3	3	NUM
fbem-24530	41	18	then	then	ADV
fbem-24530	41	19	by	by	ADP
fbem-24530	41	20	purchasing	purchase	VERB
fbem-24530	41	21	insurance	insurance	NOUN
fbem-24530	41	22	,	,	PUNCT
fbem-24530	41	23	investing	invest	VERB
fbem-24530	41	24	money	money	NOUN
fbem-24530	41	25	,	,	PUNCT
fbem-24530	41	26	paying	pay	VERB
fbem-24530	41	27	bills	bill	NOUN
fbem-24530	41	28	,	,	PUNCT
fbem-24530	41	29	transferring	transfer	VERB
fbem-24530	41	30	money	money	NOUN
fbem-24530	41	31	and	and	CCONJ
fbem-24530	41	32	financing	financing	NOUN
fbem-24530	41	33	loans	loan	NOUN
fbem-24530	41	34	,	,	PUNCT
fbem-24530	41	35	with	with	ADP
fbem-24530	41	36	penetration	penetration	NOUN
fbem-24530	41	37	rates	rate	NOUN
fbem-24530	41	38	of	of	ADP
fbem-24530	41	39	68.94	68.94	NUM
fbem-24530	41	40	per	per	ADP
fbem-24530	41	41	cent	cent	NOUN
fbem-24530	41	42	,	,	PUNCT
fbem-24530	41	43	60.61	60.61	NUM
fbem-24530	41	44	per	per	ADP
fbem-24530	41	45	cent	cent	NOUN
fbem-24530	41	46	,	,	PUNCT
fbem-24530	41	47	48.86	48.86	NUM
fbem-24530	41	48	per	per	ADP
fbem-24530	41	49	cent	cent	NOUN
fbem-24530	41	50	,	,	PUNCT
fbem-24530	41	51	32.95	32.95	NUM
fbem-24530	41	52	per	per	ADP
fbem-24530	41	53	cent	cent	NOUN
fbem-24530	41	54	and	and	CCONJ
fbem-24530	41	55	15.91	15.91	NUM
fbem-24530	41	56	per	per	ADP
fbem-24530	41	57	cent	cent	NOUN
fbem-24530	41	58	,	,	PUNCT
fbem-24530	41	59	respectively	respectively	ADV
fbem-24530	41	60	.	.	PUNCT
fbem-24530	42	1	(	(	PUNCT
fbem-24530	42	2	2	2	X
fbem-24530	42	3	)	)	PUNCT
fbem-24530	42	4	commonly	commonly	ADV
fbem-24530	42	5	used	use	VERB
fbem-24530	42	6	payment	payment	NOUN
fbem-24530	42	7	methods	method	NOUN
fbem-24530	42	8	table	table	NOUN
fbem-24530	42	9	3	3	NUM
fbem-24530	42	10	.	.	PUNCT
fbem-24530	42	11	commonly	commonly	ADV
fbem-24530	42	12	used	use	VERB
fbem-24530	42	13	payment	payment	NOUN
fbem-24530	42	14	methods	method	NOUN
fbem-24530	42	15	term	term	NOUN
fbem-24530	42	16	(	(	PUNCT
fbem-24530	42	17	in	in	ADP
fbem-24530	42	18	a	a	DET
fbem-24530	42	19	mathematical	mathematical	ADJ
fbem-24530	42	20	formula	formula	NOUN
fbem-24530	42	21	)	)	PUNCT
fbem-24530	42	22	responsive	responsive	ADJ
fbem-24530	42	23	prevalence	prevalence	NOUN
fbem-24530	42	24	(	(	PUNCT
fbem-24530	42	25	n=264	n=264	NOUN
fbem-24530	42	26	)	)	PUNCT
fbem-24530	42	27	n	n	PRON
fbem-24530	42	28	response	response	NOUN
fbem-24530	42	29	rate	rate	NOUN
fbem-24530	42	30	10	10	NUM
fbem-24530	42	31	.	.	PUNCT
fbem-24530	43	1	(	(	PUNCT
fbem-24530	43	2	cash	cash	NOUN
fbem-24530	43	3	payments	payment	NOUN
fbem-24530	43	4	)	)	PUNCT
fbem-24530	43	5	120	120	NUM
fbem-24530	43	6	24.69	24.69	NUM
fbem-24530	43	7	per	per	ADP
fbem-24530	43	8	cent	cent	NOUN
fbem-24530	43	9	45.45	45.45	NUM
fbem-24530	43	10	per	per	ADP
fbem-24530	43	11	cent	cent	NOUN
fbem-24530	43	12	10	10	NUM
fbem-24530	43	13	.	.	PUNCT
fbem-24530	44	1	(	(	PUNCT
fbem-24530	44	2	bank	bank	NOUN
fbem-24530	44	3	card	card	NOUN
fbem-24530	44	4	payments	payment	NOUN
fbem-24530	44	5	)	)	PUNCT
fbem-24530	44	6	172	172	NUM
fbem-24530	44	7	35.39	35.39	NUM
fbem-24530	44	8	per	per	ADP
fbem-24530	44	9	cent	cent	NOUN
fbem-24530	44	10	65.15	65.15	NUM
fbem-24530	44	11	%	%	NOUN
fbem-24530	44	12	10	10	NUM
fbem-24530	44	13	.	.	PUNCT
fbem-24530	45	1	(	(	PUNCT
fbem-24530	45	2	wechat	wechat	PROPN
fbem-24530	45	3	or	or	CCONJ
fbem-24530	45	4	alipay	alipay	PROPN
fbem-24530	45	5	)	)	PUNCT
fbem-24530	45	6	171	171	NUM
fbem-24530	45	7	35.19	35.19	NUM
fbem-24530	45	8	per	per	ADP
fbem-24530	45	9	cent	cent	NOUN
fbem-24530	45	10	64.77	64.77	NUM
fbem-24530	45	11	per	per	ADP
fbem-24530	45	12	cent	cent	NOUN
fbem-24530	45	13	10	10	NUM
fbem-24530	45	14	.	.	PUNCT
fbem-24530	46	1	(	(	PUNCT
fbem-24530	46	2	chanting	chant	VERB
fbem-24530	46	3	,	,	PUNCT
fbem-24530	46	4	jingdong	jingdong	ADP
fbem-24530	46	5	baijiao	baijiao	NOUN
fbem-24530	46	6	and	and	CCONJ
fbem-24530	46	7	other	other	ADJ
fbem-24530	46	8	credit	credit	NOUN
fbem-24530	46	9	loans	loan	NOUN
fbem-24530	46	10	)	)	PUNCT
fbem-24530	46	11	23	23	NUM
fbem-24530	46	12	4.73	4.73	NUM
fbem-24530	46	13	per	per	ADP
fbem-24530	46	14	cent	cent	NOUN
fbem-24530	46	15	8.71	8.71	NUM
fbem-24530	46	16	per	per	ADP
fbem-24530	46	17	cent	cent	NOUN
fbem-24530	46	18	aggregation	aggregation	NOUN
fbem-24530	46	19	486	486	NUM
fbem-24530	46	20	100	100	NUM
fbem-24530	46	21	%	%	NOUN
fbem-24530	46	22	184.09	184.09	NUM
fbem-24530	46	23	per	per	ADP
fbem-24530	46	24	cent	cent	NOUN
fbem-24530	46	25	goodness	goodness	NOUN
fbem-24530	46	26	of	of	ADP
fbem-24530	46	27	fit	fit	ADJ
fbem-24530	46	28	test	test	NOUN
fbem-24530	46	29	:	:	PUNCT
fbem-24530	46	30	χ2	χ2	PROPN
fbem-24530	46	31	=	=	SYM
fbem-24530	46	32	121.029	121.029	NUM
fbem-24530	46	33	p=0.000	p=0.000	NOUN
fbem-24530	46	34	as	as	SCONJ
fbem-24530	46	35	can	can	AUX
fbem-24530	46	36	be	be	AUX
fbem-24530	46	37	seen	see	VERB
fbem-24530	46	38	from	from	ADP
fbem-24530	46	39	table	table	NOUN
fbem-24530	46	40	3	3	NUM
fbem-24530	46	41	,	,	PUNCT
fbem-24530	46	42	the	the	DET
fbem-24530	46	43	total	total	ADJ
fbem-24530	46	44	number	number	NOUN
fbem-24530	46	45	of	of	ADP
fbem-24530	46	46	responses	response	NOUN
fbem-24530	46	47	made	make	VERB
fbem-24530	46	48	by	by	ADP
fbem-24530	46	49	this	this	DET
fbem-24530	46	50	valid	valid	ADJ
fbem-24530	46	51	sample	sample	NOUN
fbem-24530	46	52	was	be	AUX
fbem-24530	46	53	a	a	DET
fbem-24530	46	54	total	total	NOUN
fbem-24530	46	55	of	of	ADP
fbem-24530	46	56	486	486	NUM
fbem-24530	46	57	,	,	PUNCT
fbem-24530	46	58	of	of	ADP
fbem-24530	46	59	which	which	PRON
fbem-24530	46	60	bank	bank	NOUN
fbem-24530	46	61	card	card	NOUN
fbem-24530	46	62	payment	payment	NOUN
fbem-24530	46	63	was	be	AUX
fbem-24530	46	64	the	the	DET
fbem-24530	46	65	most	most	ADV
fbem-24530	46	66	popular	popular	ADJ
fbem-24530	46	67	,	,	PUNCT
fbem-24530	46	68	with	with	ADP
fbem-24530	46	69	a	a	DET
fbem-24530	46	70	prevalence	prevalence	NOUN
fbem-24530	46	71	rate	rate	NOUN
fbem-24530	46	72	of	of	ADP
fbem-24530	46	73	65.15	65.15	NUM
fbem-24530	46	74	per	per	ADP
fbem-24530	46	75	cent	cent	NOUN
fbem-24530	46	76	,	,	PUNCT
fbem-24530	46	77	followed	follow	VERB
fbem-24530	46	78	by	by	ADP
fbem-24530	46	79	wechat	wechat	PROPN
fbem-24530	46	80	or	or	CCONJ
fbem-24530	46	81	alipay	alipay	PROPN
fbem-24530	46	82	,	,	PUNCT
fbem-24530	46	83	with	with	ADP
fbem-24530	46	84	a	a	DET
fbem-24530	46	85	prevalence	prevalence	NOUN
fbem-24530	46	86	rate	rate	NOUN
fbem-24530	46	87	of	of	ADP
fbem-24530	46	88	64.77	64.77	NUM
fbem-24530	46	89	per	per	ADP
fbem-24530	46	90	cent	cent	NOUN
fbem-24530	46	91	,	,	PUNCT
fbem-24530	46	92	cash	cash	NOUN
fbem-24530	46	93	payment	payment	NOUN
fbem-24530	46	94	prevalence	prevalence	NOUN
fbem-24530	46	95	rate	rate	NOUN
fbem-24530	46	96	of	of	ADP
fbem-24530	46	97	45.45	45.45	NUM
fbem-24530	46	98	per	per	ADP
fbem-24530	46	99	cent	cent	NOUN
fbem-24530	46	100	,	,	PUNCT
fbem-24530	46	101	and	and	CCONJ
fbem-24530	46	102	the	the	DET
fbem-24530	46	103	least	least	ADJ
fbem-24530	46	104	amount	amount	NOUN
fbem-24530	46	105	of	of	ADP
fbem-24530	46	106	credit	credit	NOUN
fbem-24530	46	107	,	,	PUNCT
fbem-24530	46	108	with	with	ADP
fbem-24530	46	109	a	a	DET
fbem-24530	46	110	prevalence	prevalence	NOUN
fbem-24530	46	111	rate	rate	NOUN
fbem-24530	46	112	of	of	ADP
fbem-24530	46	113	only	only	ADV
fbem-24530	46	114	8.71	8.71	NUM
fbem-24530	46	115	per	per	ADP
fbem-24530	46	116	cent	cent	NOUN
fbem-24530	46	117	.	.	PUNCT
fbem-24530	47	1	(	(	PUNCT
fbem-24530	47	2	3	3	X
fbem-24530	47	3	)	)	PUNCT
fbem-24530	47	4	current	current	ADJ
fbem-24530	47	5	status	status	NOUN
fbem-24530	47	6	of	of	ADP
fbem-24530	47	7	the	the	DET
fbem-24530	47	8	use	use	NOUN
fbem-24530	47	9	of	of	ADP
fbem-24530	47	10	digital	digital	ADJ
fbem-24530	47	11	financial	financial	ADJ
fbem-24530	47	12	inclusion	inclusion	NOUN
fbem-24530	47	13	table	table	NOUN
fbem-24530	47	14	4	4	NUM
fbem-24530	47	15	.	.	PUNCT
fbem-24530	48	1	survey	survey	NOUN
fbem-24530	48	2	on	on	ADP
fbem-24530	48	3	the	the	DET
fbem-24530	48	4	current	current	ADJ
fbem-24530	48	5	status	status	NOUN
fbem-24530	48	6	of	of	ADP
fbem-24530	48	7	digital	digital	ADJ
fbem-24530	48	8	financial	financial	ADJ
fbem-24530	48	9	inclusion	inclusion	NOUN
fbem-24530	48	10	usage	usage	NOUN
fbem-24530	48	11	name	name	NOUN
fbem-24530	48	12	(	(	PUNCT
fbem-24530	48	13	of	of	ADP
fbem-24530	48	14	a	a	DET
fbem-24530	48	15	thing	thing	NOUN
fbem-24530	48	16	)	)	PUNCT
fbem-24530	48	17	options	option	NOUN
fbem-24530	48	18	(	(	PUNCT
fbem-24530	48	19	as	as	ADP
fbem-24530	48	20	in	in	ADP
fbem-24530	48	21	computer	computer	NOUN
fbem-24530	48	22	software	software	NOUN
fbem-24530	48	23	settings	setting	NOUN
fbem-24530	48	24	)	)	PUNCT
fbem-24530	48	25	frequ	frequ	ADJ
fbem-24530	48	26	ency	ency	NOUN
fbem-24530	48	27	percenta	percenta	NOUN
fbem-24530	48	28	ge	ge	PROPN
fbem-24530	48	29	(	(	PUNCT
fbem-24530	48	30	%	%	INTJ
fbem-24530	48	31	)	)	PUNCT
fbem-24530	48	32	11	11	NUM
fbem-24530	48	33	.	.	PUNCT
fbem-24530	49	1	your	your	PRON
fbem-24530	49	2	average	average	ADJ
fbem-24530	49	3	daily	daily	ADJ
fbem-24530	49	4	frequency	frequency	NOUN
fbem-24530	49	5	of	of	ADP
fbem-24530	49	6	using	use	VERB
fbem-24530	49	7	digital	digital	ADJ
fbem-24530	49	8	payment	payment	NOUN
fbem-24530	49	9	methods	method	NOUN
fbem-24530	49	10	1~3	1~3	NUM
fbem-24530	49	11	times	time	NOUN
fbem-24530	49	12	113	113	NUM
fbem-24530	49	13	42.80	42.80	NUM
fbem-24530	49	14	4	4	NUM
fbem-24530	49	15	to	to	PART
fbem-24530	49	16	10	10	NUM
fbem-24530	49	17	times	time	NOUN
fbem-24530	49	18	119	119	NUM
fbem-24530	49	19	45.08	45.08	NUM
fbem-24530	49	20	11	11	NUM
fbem-24530	49	21	-	-	SYM
fbem-24530	49	22	15	15	NUM
fbem-24530	49	23	times	time	NOUN
fbem-24530	49	24	15	15	NUM
fbem-24530	49	25	5.68	5.68	NUM
fbem-24530	49	26	15	15	NUM
fbem-24530	49	27	or	or	CCONJ
fbem-24530	49	28	more	more	ADJ
fbem-24530	49	29	17	17	NUM
fbem-24530	49	30	6.44	6.44	NUM
fbem-24530	49	31	add	add	VERB
fbem-24530	49	32	up	up	ADP
fbem-24530	49	33	the	the	DET
fbem-24530	49	34	total	total	ADJ
fbem-24530	49	35	264	264	NUM
fbem-24530	49	36	100.0	100.0	NUM
fbem-24530	49	37	12	12	NUM
fbem-24530	49	38	.	.	PUNCT
fbem-24530	50	1	have	have	AUX
fbem-24530	50	2	you	you	PRON
fbem-24530	50	3	ever	ever	ADV
fbem-24530	50	4	applied	apply	VERB
fbem-24530	50	5	for	for	ADP
fbem-24530	50	6	a	a	DET
fbem-24530	50	7	credit	credit	NOUN
fbem-24530	50	8	loan	loan	NOUN
fbem-24530	50	9	(	(	PUNCT
fbem-24530	50	10	including	include	VERB
fbem-24530	50	11	consumer	consumer	NOUN
fbem-24530	50	12	credit	credit	NOUN
fbem-24530	50	13	such	such	ADJ
fbem-24530	50	14	as	as	ADP
fbem-24530	50	15	ant	ant	ADJ
fbem-24530	50	16	chants	chant	NOUN
fbem-24530	50	17	and	and	CCONJ
fbem-24530	50	18	jingdong	jingdong	ADP
fbem-24530	50	19	baijiao	baijiao	NOUN
fbem-24530	50	20	)	)	PUNCT
fbem-24530	50	21	be	be	VERB
fbem-24530	50	22	193	193	NUM
fbem-24530	50	23	73.11	73.11	NUM
fbem-24530	50	24	clogged	clog	VERB
fbem-24530	50	25	71	71	NUM
fbem-24530	50	26	26.89	26.89	NUM
fbem-24530	50	27	add	add	VERB
fbem-24530	50	28	up	up	ADP
fbem-24530	50	29	the	the	DET
fbem-24530	50	30	total	total	ADJ
fbem-24530	50	31	264	264	NUM
fbem-24530	50	32	100.0	100.0	NUM
fbem-24530	50	33	13	13	NUM
fbem-24530	50	34	.	.	PUNCT
fbem-24530	51	1	through	through	ADP
fbem-24530	51	2	what	what	DET
fbem-24530	51	3	channel	channel	NOUN
fbem-24530	51	4	did	do	AUX
fbem-24530	51	5	you	you	PRON
fbem-24530	51	6	apply	apply	VERB
fbem-24530	51	7	for	for	ADP
fbem-24530	51	8	the	the	DET
fbem-24530	51	9	credit	credit	NOUN
fbem-24530	51	10	facility	facility	NOUN
fbem-24530	51	11	(	(	PUNCT
fbem-24530	51	12	n=193	n=193	NUM
fbem-24530	51	13	)	)	PUNCT
fbem-24530	51	14	bank	bank	NOUN
fbem-24530	51	15	loan	loan	NOUN
fbem-24530	51	16	103	103	NUM
fbem-24530	51	17	53.37	53.37	NUM
fbem-24530	51	18	rural	rural	ADJ
fbem-24530	51	19	credit	credit	NOUN
fbem-24530	51	20	union	union	NOUN
fbem-24530	51	21	63	63	NUM
fbem-24530	51	22	32.64	32.64	NUM
fbem-24530	51	23	digital	digital	ADJ
fbem-24530	51	24	financial	financial	ADJ
fbem-24530	51	25	institutions	institution	NOUN
fbem-24530	51	26	27	27	NUM
fbem-24530	51	27	13.99	13.99	NUM
fbem-24530	51	28	add	add	VERB
fbem-24530	51	29	up	up	ADP
fbem-24530	51	30	the	the	DET
fbem-24530	51	31	total	total	ADJ
fbem-24530	51	32	264	264	NUM
fbem-24530	51	33	100.0	100.0	NUM
fbem-24530	51	34	14	14	NUM
fbem-24530	51	35	.	.	PUNCT
fbem-24530	52	1	have	have	AUX
fbem-24530	52	2	you	you	PRON
fbem-24530	52	3	ever	ever	ADV
fbem-24530	52	4	purchased	purchase	VERB
fbem-24530	52	5	investment	investment	NOUN
fbem-24530	52	6	financial	financial	ADJ
fbem-24530	52	7	products	product	NOUN
fbem-24530	52	8	be	be	VERB
fbem-24530	52	9	94	94	NUM
fbem-24530	52	10	35.61	35.61	NUM
fbem-24530	52	11	clogged	clogged	ADJ
fbem-24530	52	12	170	170	NUM
fbem-24530	52	13	64.39	64.39	NUM
fbem-24530	52	14	add	add	VERB
fbem-24530	52	15	up	up	ADP
fbem-24530	52	16	the	the	DET
fbem-24530	52	17	total	total	ADJ
fbem-24530	52	18	264	264	NUM
fbem-24530	52	19	100.0	100.0	NUM
fbem-24530	52	20	table	table	NOUN
fbem-24530	52	21	5	5	NUM
fbem-24530	52	22	.	.	PUNCT
fbem-24530	52	23	main	main	ADJ
fbem-24530	52	24	ways	way	NOUN
fbem-24530	52	25	of	of	ADP
fbem-24530	52	26	purchasing	purchase	VERB
fbem-24530	52	27	investment	investment	NOUN
fbem-24530	52	28	financial	financial	ADJ
fbem-24530	52	29	products	product	NOUN
fbem-24530	52	30	term	term	NOUN
fbem-24530	52	31	(	(	PUNCT
fbem-24530	52	32	in	in	ADP
fbem-24530	52	33	a	a	DET
fbem-24530	52	34	mathematical	mathematical	ADJ
fbem-24530	52	35	formula	formula	NOUN
fbem-24530	52	36	)	)	PUNCT
fbem-24530	52	37	responsive	responsive	ADJ
fbem-24530	52	38	prevalence	prevalence	NOUN
fbem-24530	52	39	(	(	PUNCT
fbem-24530	52	40	n=94	n=94	PROPN
fbem-24530	52	41	)	)	PUNCT
fbem-24530	52	42	n	n	PRON
fbem-24530	52	43	response	response	NOUN
fbem-24530	52	44	rate	rate	NOUN
fbem-24530	52	45	15	15	NUM
fbem-24530	52	46	.	.	PUNCT
fbem-24530	53	1	(	(	PUNCT
fbem-24530	53	2	bank	bank	NOUN
fbem-24530	53	3	counters	counter	NOUN
fbem-24530	53	4	)	)	PUNCT
fbem-24530	53	5	60	60	NUM
fbem-24530	53	6	35.09	35.09	NUM
fbem-24530	53	7	per	per	ADP
fbem-24530	53	8	cent	cent	NOUN
fbem-24530	53	9	63.83	63.83	NUM
fbem-24530	53	10	per	per	ADP
fbem-24530	53	11	cent	cent	NOUN
fbem-24530	53	12	15	15	NUM
fbem-24530	53	13	.	.	PUNCT
fbem-24530	54	1	(	(	PUNCT
fbem-24530	54	2	internet	internet	NOUN
fbem-24530	54	3	or	or	CCONJ
fbem-24530	54	4	mobile	mobile	ADJ
fbem-24530	54	5	banking	banking	NOUN
fbem-24530	54	6	)	)	PUNCT
fbem-24530	54	7	55	55	NUM
fbem-24530	54	8	32.16	32.16	NUM
fbem-24530	54	9	per	per	ADP
fbem-24530	54	10	cent	cent	NOUN
fbem-24530	54	11	58.51	58.51	NUM
fbem-24530	54	12	per	per	ADP
fbem-24530	54	13	cent	cent	NOUN
fbem-24530	54	14	15	15	NUM
fbem-24530	54	15	.	.	PUNCT
fbem-24530	55	1	(	(	PUNCT
fbem-24530	55	2	third	third	ADJ
fbem-24530	55	3	-	-	PUNCT
fbem-24530	55	4	party	party	NOUN
fbem-24530	55	5	payment	payment	NOUN
fbem-24530	55	6	platforms	platform	NOUN
fbem-24530	55	7	(	(	PUNCT
fbem-24530	55	8	wechat	wechat	PROPN
fbem-24530	55	9	,	,	PUNCT
fbem-24530	55	10	alipay	alipay	PROPN
fbem-24530	55	11	,	,	PUNCT
fbem-24530	55	12	etc	etc	X
fbem-24530	55	13	.	.	X
fbem-24530	55	14	)	)	PUNCT
fbem-24530	55	15	)	)	PUNCT
fbem-24530	55	16	31	31	NUM
fbem-24530	55	17	18.13	18.13	NUM
fbem-24530	55	18	per	per	ADP
fbem-24530	55	19	cent	cent	NOUN
fbem-24530	55	20	32.98	32.98	NUM
fbem-24530	55	21	per	per	ADP
fbem-24530	55	22	cent	cent	NOUN
fbem-24530	55	23	15	15	NUM
fbem-24530	55	24	.	.	PUNCT
fbem-24530	56	1	(	(	PUNCT
fbem-24530	56	2	other	other	ADJ
fbem-24530	56	3	financial	financial	ADJ
fbem-24530	56	4	apps	app	NOUN
fbem-24530	56	5	)	)	PUNCT
fbem-24530	56	6	25	25	NUM
fbem-24530	56	7	14.62	14.62	NUM
fbem-24530	56	8	per	per	ADP
fbem-24530	56	9	cent	cent	NOUN
fbem-24530	56	10	26.60	26.60	NUM
fbem-24530	56	11	per	per	ADP
fbem-24530	56	12	cent	cent	NOUN
fbem-24530	56	13	15	15	NUM
fbem-24530	56	14	.	.	PUNCT
fbem-24530	57	1	(	(	PUNCT
fbem-24530	57	2	other	other	ADJ
fbem-24530	57	3	)	)	PUNCT
fbem-24530	57	4	0	0	NUM
fbem-24530	58	1	0.00	0.00	NUM
fbem-24530	58	2	per	per	ADP
fbem-24530	58	3	cent	cent	NOUN
fbem-24530	58	4	0.00	0.00	NUM
fbem-24530	58	5	per	per	ADP
fbem-24530	58	6	cent	cent	NOUN
fbem-24530	58	7	aggregation	aggregation	NOUN
fbem-24530	58	8	171	171	NUM
fbem-24530	58	9	100	100	NUM
fbem-24530	58	10	%	%	NOUN
fbem-24530	58	11	181.91	181.91	NUM
fbem-24530	58	12	per	per	ADP
fbem-24530	58	13	cent	cent	NOUN
fbem-24530	58	14	goodness	goodness	NOUN
fbem-24530	58	15	of	of	ADP
fbem-24530	58	16	fit	fit	ADJ
fbem-24530	58	17	test	test	NOUN
fbem-24530	58	18	:	:	PUNCT
fbem-24530	58	19	χ2	χ2	PROPN
fbem-24530	58	20	=	=	SYM
fbem-24530	58	21	69.088	69.088	NUM
fbem-24530	58	22	p=0.000	p=0.000	NUM
fbem-24530	58	23	table	table	NOUN
fbem-24530	58	24	4	4	NUM
fbem-24530	58	25	shows	show	VERB
fbem-24530	58	26	that	that	SCONJ
fbem-24530	58	27	digital	digital	ADJ
fbem-24530	58	28	payment	payment	NOUN
fbem-24530	58	29	methods	method	NOUN
fbem-24530	58	30	occupy	occupy	VERB
fbem-24530	58	31	a	a	DET
fbem-24530	58	32	relatively	relatively	ADV
fbem-24530	58	33	important	important	ADJ
fbem-24530	58	34	position	position	NOUN
fbem-24530	58	35	in	in	ADP
fbem-24530	58	36	the	the	DET
fbem-24530	58	37	daily	daily	ADJ
fbem-24530	58	38	life	life	NOUN
fbem-24530	58	39	of	of	ADP
fbem-24530	58	40	university	university	NOUN
fbem-24530	58	41	students	student	NOUN
fbem-24530	58	42	in	in	ADP
fbem-24530	58	43	guangzhou	guangzhou	PROPN
fbem-24530	58	44	,	,	PUNCT
fbem-24530	58	45	and	and	CCONJ
fbem-24530	58	46	those	those	PRON
fbem-24530	58	47	who	who	PRON
fbem-24530	58	48	have	have	AUX
fbem-24530	58	49	applied	apply	VERB
fbem-24530	58	50	for	for	ADP
fbem-24530	58	51	credit	credit	NOUN
fbem-24530	58	52	loans	loan	NOUN
fbem-24530	58	53	account	account	VERB
fbem-24530	58	54	for	for	ADP
fbem-24530	58	55	73.11	73.11	NUM
fbem-24530	58	56	%	%	NOUN
fbem-24530	58	57	of	of	ADP
fbem-24530	58	58	the	the	DET
fbem-24530	58	59	total	total	NOUN
fbem-24530	58	60	,	,	PUNCT
fbem-24530	58	61	which	which	PRON
fbem-24530	58	62	is	be	AUX
fbem-24530	58	63	more	more	ADJ
fbem-24530	58	64	than	than	ADP
fbem-24530	58	65	26.89	26.89	NUM
fbem-24530	58	66	%	%	NOUN
fbem-24530	58	67	of	of	ADP
fbem-24530	58	68	those	those	PRON
fbem-24530	58	69	who	who	PRON
fbem-24530	58	70	have	have	AUX
fbem-24530	58	71	not	not	PART
fbem-24530	58	72	applied	apply	VERB
fbem-24530	58	73	for	for	ADP
fbem-24530	58	74	credit	credit	NOUN
fbem-24530	58	75	loans	loan	NOUN
fbem-24530	58	76	.	.	PUNCT
fbem-24530	59	1	among	among	ADP
fbem-24530	59	2	the	the	DET
fbem-24530	59	3	ways	way	NOUN
fbem-24530	59	4	of	of	ADP
fbem-24530	59	5	applying	apply	VERB
fbem-24530	59	6	for	for	ADP
fbem-24530	59	7	credit	credit	NOUN
fbem-24530	59	8	loans	loan	NOUN
fbem-24530	59	9	,	,	PUNCT
fbem-24530	59	10	the	the	DET
fbem-24530	59	11	largest	large	ADJ
fbem-24530	59	12	number	number	NOUN
fbem-24530	59	13	of	of	ADP
fbem-24530	59	14	college	college	NOUN
fbem-24530	59	15	students	student	NOUN
fbem-24530	59	16	,	,	PUNCT
fbem-24530	59	17	53.37	53.37	NUM
fbem-24530	59	18	per	per	ADP
fbem-24530	59	19	cent	cent	NOUN
fbem-24530	59	20	overall	overall	ADJ
fbem-24530	59	21	,	,	PUNCT
fbem-24530	59	22	used	use	VERB
fbem-24530	59	23	bank	bank	NOUN
fbem-24530	59	24	loans	loan	NOUN
fbem-24530	59	25	,	,	PUNCT
fbem-24530	59	26	followed	follow	VERB
fbem-24530	59	27	by	by	ADP
fbem-24530	59	28	rural	rural	ADJ
fbem-24530	59	29	credit	credit	NOUN
fbem-24530	59	30	unions	union	NOUN
fbem-24530	59	31	,	,	PUNCT
fbem-24530	59	32	32.64	32.64	NUM
fbem-24530	59	33	per	per	ADP
fbem-24530	59	34	cent	cent	NOUN
fbem-24530	59	35	,	,	PUNCT
fbem-24530	59	36	and	and	CCONJ
fbem-24530	59	37	digital	digital	ADJ
fbem-24530	59	38	financial	financial	ADJ
fbem-24530	59	39	institutions	institution	NOUN
fbem-24530	59	40	,	,	PUNCT
fbem-24530	59	41	13.99	13.99	NUM
fbem-24530	59	42	per	per	ADP
fbem-24530	59	43	cent	cent	NOUN
fbem-24530	59	44	,	,	PUNCT
fbem-24530	59	45	the	the	DET
fbem-24530	59	46	least	least	ADJ
fbem-24530	59	47	.	.	PUNCT
fbem-24530	60	1	in	in	ADP
fbem-24530	60	2	addition	addition	NOUN
fbem-24530	60	3	,	,	PUNCT
fbem-24530	60	4	there	there	PRON
fbem-24530	60	5	are	be	VERB
fbem-24530	60	6	more	more	ADJ
fbem-24530	60	7	college	college	NOUN
fbem-24530	60	8	students	student	NOUN
fbem-24530	60	9	who	who	PRON
fbem-24530	60	10	have	have	AUX
fbem-24530	60	11	not	not	PART
fbem-24530	60	12	purchased	purchase	VERB
fbem-24530	60	13	investment	investment	NOUN
fbem-24530	60	14	financial	financial	ADJ
fbem-24530	60	15	products	product	NOUN
fbem-24530	60	16	than	than	ADP
fbem-24530	60	17	those	those	PRON
fbem-24530	60	18	who	who	PRON
fbem-24530	60	19	have	have	AUX
fbem-24530	60	20	purchased	purchase	VERB
fbem-24530	60	21	investment	investment	NOUN
fbem-24530	60	22	financial	financial	ADJ
fbem-24530	60	23	products	product	NOUN
fbem-24530	60	24	,	,	PUNCT
fbem-24530	60	25	and	and	CCONJ
fbem-24530	60	26	according	accord	VERB
fbem-24530	60	27	to	to	ADP
fbem-24530	60	28	table	table	NOUN
fbem-24530	60	29	5	5	NUM
fbem-24530	60	30	,	,	PUNCT
fbem-24530	60	31	it	it	PRON
fbem-24530	60	32	can	can	AUX
fbem-24530	60	33	be	be	AUX
fbem-24530	60	34	concluded	conclude	VERB
fbem-24530	60	35	that	that	SCONJ
fbem-24530	60	36	among	among	ADP
fbem-24530	60	37	the	the	DET
fbem-24530	60	38	college	college	NOUN
fbem-24530	60	39	students	student	NOUN
fbem-24530	60	40	who	who	PRON
fbem-24530	60	41	have	have	AUX
fbem-24530	60	42	purchased	purchase	VERB
fbem-24530	60	43	investment	investment	NOUN
fbem-24530	60	44	financial	financial	ADJ
fbem-24530	60	45	products	product	NOUN
fbem-24530	60	46	,	,	PUNCT
fbem-24530	60	47	most	most	ADJ
fbem-24530	60	48	of	of	ADP
fbem-24530	60	49	them	they	PRON
fbem-24530	60	50	have	have	AUX
fbem-24530	60	51	purchased	purchase	VERB
fbem-24530	60	52	them	they	PRON
fbem-24530	60	53	through	through	ADP
fbem-24530	60	54	bank	bank	NOUN
fbem-24530	60	55	counters	counter	NOUN
fbem-24530	60	56	,	,	PUNCT
fbem-24530	60	57	as	as	ADV
fbem-24530	60	58	well	well	ADV
fbem-24530	60	59	as	as	ADP
fbem-24530	60	60	online	online	ADJ
fbem-24530	60	61	or	or	CCONJ
fbem-24530	60	62	mobile	mobile	ADJ
fbem-24530	60	63	banking	banking	NOUN
fbem-24530	60	64	,	,	PUNCT
fbem-24530	60	65	and	and	CCONJ
fbem-24530	60	66	some	some	PRON
fbem-24530	60	67	of	of	ADP
fbem-24530	60	68	them	they	PRON
fbem-24530	60	69	have	have	AUX
fbem-24530	60	70	purchased	purchase	VERB
fbem-24530	60	71	them	they	PRON
fbem-24530	60	72	through	through	ADP
fbem-24530	60	73	third	third	ADJ
fbem-24530	60	74	-	-	PUNCT
fbem-24530	60	75	party	party	NOUN
fbem-24530	60	76	payment	payment	NOUN
fbem-24530	60	77	platforms	platform	NOUN
fbem-24530	60	78	and	and	CCONJ
fbem-24530	60	79	other	other	ADJ
fbem-24530	60	80	financial	financial	ADJ
fbem-24530	60	81	apps	app	NOUN
fbem-24530	60	82	.	.	PUNCT
fbem-24530	61	1	3.2	3.2	NUM
fbem-24530	61	2	.	.	PUNCT
fbem-24530	62	1	analyse	analyse	VERB
fbem-24530	62	2	the	the	DET
fbem-24530	62	3	factors	factor	NOUN
fbem-24530	62	4	influencing	influence	VERB
fbem-24530	62	5	university	university	NOUN
fbem-24530	62	6	students	student	NOUN
fbem-24530	62	7	'	'	PART
fbem-24530	62	8	use	use	NOUN
fbem-24530	62	9	of	of	ADP
fbem-24530	62	10	digital	digital	ADJ
fbem-24530	62	11	financial	financial	ADJ
fbem-24530	62	12	inclusion	inclusion	NOUN
fbem-24530	62	13	(	(	PUNCT
fbem-24530	62	14	1	1	X
fbem-24530	62	15	)	)	PUNCT
fbem-24530	62	16	knowledge	knowledge	NOUN
fbem-24530	62	17	of	of	ADP
fbem-24530	62	18	digital	digital	ADJ
fbem-24530	62	19	financial	financial	ADJ
fbem-24530	62	20	inclusion	inclusion	NOUN
fbem-24530	62	21	and	and	CCONJ
fbem-24530	62	22	acceptance	acceptance	NOUN
fbem-24530	62	23	of	of	ADP
fbem-24530	62	24	it	it	PRON
fbem-24530	62	25	table	table	VERB
fbem-24530	62	26	6	6	NUM
fbem-24530	62	27	.	.	PUNCT
fbem-24530	63	1	results	result	NOUN
fbem-24530	63	2	of	of	ADP
fbem-24530	63	3	frequency	frequency	NOUN
fbem-24530	63	4	analysis	analysis	NOUN
fbem-24530	63	5	name	name	NOUN
fbem-24530	63	6	(	(	PUNCT
fbem-24530	63	7	of	of	ADP
fbem-24530	63	8	a	a	DET
fbem-24530	63	9	thing	thing	NOUN
fbem-24530	63	10	)	)	PUNCT
fbem-24530	63	11	options	option	NOUN
fbem-24530	63	12	(	(	PUNCT
fbem-24530	63	13	as	as	ADP
fbem-24530	63	14	in	in	ADP
fbem-24530	63	15	computer	computer	NOUN
fbem-24530	63	16	software	software	NOUN
fbem-24530	63	17	settings	setting	NOUN
fbem-24530	63	18	)	)	PUNCT
fbem-24530	63	19	frequ	frequ	ADJ
fbem-24530	63	20	ency	ency	NOUN
fbem-24530	63	21	percenta	percenta	NOUN
fbem-24530	63	22	ge	ge	PROPN
fbem-24530	63	23	(	(	PUNCT
fbem-24530	63	24	%	%	INTJ
fbem-24530	63	25	)	)	PUNCT
fbem-24530	63	26	16	16	NUM
fbem-24530	63	27	.	.	PUNCT
fbem-24530	64	1	do	do	AUX
fbem-24530	64	2	you	you	PRON
fbem-24530	64	3	understand	understand	VERB
fbem-24530	64	4	digital	digital	ADJ
fbem-24530	64	5	financial	financial	ADJ
fbem-24530	64	6	inclusion	inclusion	NOUN
fbem-24530	64	7	?	?	PUNCT
fbem-24530	65	1	unknown	unknown	ADJ
fbem-24530	65	2	28	28	NUM
fbem-24530	65	3	10.61	10.61	NUM
fbem-24530	65	4	not	not	PART
fbem-24530	65	5	heard	hear	VERB
fbem-24530	65	6	of	of	ADP
fbem-24530	65	7	92	92	NUM
fbem-24530	65	8	34.85	34.85	NUM
fbem-24530	65	9	relatively	relatively	ADV
fbem-24530	65	10	knowledgeable	knowledgeable	ADJ
fbem-24530	65	11	136	136	NUM
fbem-24530	65	12	51.52	51.52	NUM
fbem-24530	65	13	realise	realise	VERB
fbem-24530	65	14	8	8	NUM
fbem-24530	65	15	3.03	3.03	NUM
fbem-24530	65	16	add	add	VERB
fbem-24530	65	17	up	up	ADP
fbem-24530	65	18	the	the	DET
fbem-24530	65	19	total	total	ADJ
fbem-24530	65	20	264	264	NUM
fbem-24530	65	21	100.0	100.0	NUM
fbem-24530	65	22	100.0	100.0	NUM
fbem-24530	65	23	18	18	NUM
fbem-24530	65	24	.	.	PUNCT
fbem-24530	66	1	would	would	AUX
fbem-24530	66	2	you	you	PRON
fbem-24530	66	3	like	like	VERB
fbem-24530	66	4	to	to	PART
fbem-24530	66	5	access	access	VERB
fbem-24530	66	6	financial	financial	ADJ
fbem-24530	66	7	services	service	NOUN
fbem-24530	66	8	in	in	ADP
fbem-24530	66	9	the	the	DET
fbem-24530	66	10	form	form	NOUN
fbem-24530	66	11	of	of	ADP
fbem-24530	66	12	digital	digital	ADJ
fbem-24530	66	13	financial	financial	ADJ
fbem-24530	66	14	inclusion	inclusion	NOUN
fbem-24530	66	15	?	?	PUNCT
fbem-24530	67	1	be	be	AUX
fbem-24530	67	2	216	216	NUM
fbem-24530	67	3	81.82	81.82	NUM
fbem-24530	67	4	clogged	clog	VERB
fbem-24530	67	5	48	48	NUM
fbem-24530	67	6	18.18	18.18	NUM
fbem-24530	67	7	add	add	VERB
fbem-24530	67	8	up	up	ADP
fbem-24530	67	9	the	the	DET
fbem-24530	67	10	total	total	ADJ
fbem-24530	67	11	264	264	NUM
fbem-24530	67	12	100.0	100.0	NUM
fbem-24530	67	13	100.0	100.0	NUM
fbem-24530	67	14	table	table	NOUN
fbem-24530	67	15	6	6	NUM
fbem-24530	67	16	shows	show	VERB
fbem-24530	67	17	that	that	SCONJ
fbem-24530	67	18	the	the	DET
fbem-24530	67	19	number	number	NOUN
fbem-24530	67	20	of	of	ADP
fbem-24530	67	21	university	university	NOUN
fbem-24530	67	22	students	student	NOUN
fbem-24530	67	23	in	in	ADP
fbem-24530	67	24	guangzhou	guangzhou	PROPN
fbem-24530	67	25	city	city	PROPN
fbem-24530	67	26	who	who	PRON
fbem-24530	67	27	are	be	AUX
fbem-24530	67	28	more	more	ADV
fbem-24530	67	29	aware	aware	ADJ
fbem-24530	67	30	of	of	ADP
fbem-24530	67	31	digital	digital	ADJ
fbem-24530	67	32	financial	financial	ADJ
fbem-24530	67	33	inclusion	inclusion	NOUN
fbem-24530	67	34	is	be	AUX
fbem-24530	67	35	higher	high	ADJ
fbem-24530	67	36	,	,	PUNCT
fbem-24530	67	37	with	with	ADP
fbem-24530	67	38	a	a	DET
fbem-24530	67	39	total	total	NOUN
fbem-24530	67	40	of	of	ADP
fbem-24530	67	41	136	136	NUM
fbem-24530	67	42	people	people	NOUN
fbem-24530	67	43	accounting	account	VERB
fbem-24530	67	44	for	for	ADP
fbem-24530	67	45	51.52	51.52	NUM
fbem-24530	67	46	%	%	NOUN
fbem-24530	67	47	of	of	ADP
fbem-24530	67	48	the	the	DET
fbem-24530	67	49	total	total	ADJ
fbem-24530	67	50	ratio	ratio	NOUN
fbem-24530	67	51	;	;	PUNCT
fbem-24530	67	52	then	then	ADV
fbem-24530	67	53	the	the	DET
fbem-24530	67	54	number	number	NOUN
fbem-24530	67	55	of	of	ADP
fbem-24530	67	56	people	people	NOUN
fbem-24530	67	57	who	who	PRON
fbem-24530	67	58	have	have	AUX
fbem-24530	67	59	never	never	ADV
fbem-24530	67	60	heard	hear	VERB
fbem-24530	67	61	of	of	ADP
fbem-24530	67	62	it	it	PRON
fbem-24530	67	63	is	be	AUX
fbem-24530	67	64	92	92	NUM
fbem-24530	67	65	people	people	NOUN
fbem-24530	67	66	,	,	PUNCT
fbem-24530	67	67	accounting	account	VERB
fbem-24530	67	68	for	for	ADP
fbem-24530	67	69	34.85	34.85	NUM
fbem-24530	67	70	%	%	NOUN
fbem-24530	67	71	of	of	ADP
fbem-24530	67	72	the	the	DET
fbem-24530	67	73	overall	overall	ADJ
fbem-24530	67	74	ratio	ratio	NOUN
fbem-24530	67	75	;	;	PUNCT
fbem-24530	67	76	the	the	DET
fbem-24530	67	77	number	number	NOUN
fbem-24530	67	78	of	of	ADP
fbem-24530	67	79	people	people	NOUN
fbem-24530	67	80	who	who	PRON
fbem-24530	67	81	do	do	AUX
fbem-24530	67	82	n't	not	PART
fbem-24530	67	83	know	know	VERB
fbem-24530	67	84	about	about	ADP
fbem-24530	67	85	it	it	PRON
fbem-24530	67	86	is	be	AUX
fbem-24530	67	87	4	4	NUM
fbem-24530	67	88	28	28	NUM
fbem-24530	67	89	people	people	NOUN
fbem-24530	67	90	,	,	PUNCT
fbem-24530	67	91	accounting	account	VERB
fbem-24530	67	92	for	for	ADP
fbem-24530	67	93	10.61	10.61	NUM
fbem-24530	67	94	%	%	NOUN
fbem-24530	67	95	of	of	ADP
fbem-24530	67	96	the	the	DET
fbem-24530	67	97	overall	overall	ADJ
fbem-24530	67	98	ratio	ratio	NOUN
fbem-24530	67	99	;	;	PUNCT
fbem-24530	67	100	and	and	CCONJ
fbem-24530	67	101	the	the	DET
fbem-24530	67	102	number	number	NOUN
fbem-24530	67	103	of	of	ADP
fbem-24530	67	104	people	people	NOUN
fbem-24530	67	105	who	who	PRON
fbem-24530	67	106	know	know	VERB
fbem-24530	67	107	about	about	ADP
fbem-24530	67	108	it	it	PRON
fbem-24530	67	109	very	very	ADV
fbem-24530	67	110	well	well	ADV
fbem-24530	67	111	is	be	AUX
fbem-24530	67	112	8	8	NUM
fbem-24530	67	113	people	people	NOUN
fbem-24530	67	114	,	,	PUNCT
fbem-24530	67	115	accounting	account	VERB
fbem-24530	67	116	for	for	ADP
fbem-24530	67	117	3.03	3.03	NUM
fbem-24530	67	118	%	%	NOUN
fbem-24530	67	119	of	of	ADP
fbem-24530	67	120	the	the	DET
fbem-24530	67	121	overall	overall	ADJ
fbem-24530	67	122	ratio	ratio	NOUN
fbem-24530	67	123	.	.	PUNCT
fbem-24530	68	1	and	and	CCONJ
fbem-24530	68	2	there	there	PRON
fbem-24530	68	3	is	be	VERB
fbem-24530	68	4	a	a	DET
fbem-24530	68	5	general	general	ADJ
fbem-24530	68	6	willingness	willingness	NOUN
fbem-24530	68	7	among	among	ADP
fbem-24530	68	8	college	college	NOUN
fbem-24530	68	9	students	student	NOUN
fbem-24530	68	10	to	to	PART
fbem-24530	68	11	obtain	obtain	VERB
fbem-24530	68	12	financial	financial	ADJ
fbem-24530	68	13	services	service	NOUN
fbem-24530	68	14	in	in	ADP
fbem-24530	68	15	the	the	DET
fbem-24530	68	16	form	form	NOUN
fbem-24530	68	17	of	of	ADP
fbem-24530	68	18	digital	digital	ADJ
fbem-24530	68	19	inclusive	inclusive	ADJ
fbem-24530	68	20	finance	finance	NOUN
fbem-24530	68	21	,	,	PUNCT
fbem-24530	68	22	indicating	indicate	VERB
fbem-24530	68	23	that	that	SCONJ
fbem-24530	68	24	college	college	NOUN
fbem-24530	68	25	students	student	NOUN
fbem-24530	68	26	are	be	AUX
fbem-24530	68	27	highly	highly	ADV
fbem-24530	68	28	receptive	receptive	ADJ
fbem-24530	68	29	to	to	ADP
fbem-24530	68	30	new	new	ADJ
fbem-24530	68	31	things	thing	NOUN
fbem-24530	68	32	and	and	CCONJ
fbem-24530	68	33	have	have	VERB
fbem-24530	68	34	a	a	DET
fbem-24530	68	35	certain	certain	ADJ
fbem-24530	68	36	degree	degree	NOUN
fbem-24530	68	37	of	of	ADP
fbem-24530	68	38	judgement	judgement	NOUN
fbem-24530	68	39	about	about	ADP
fbem-24530	68	40	things	thing	NOUN
fbem-24530	68	41	.	.	PUNCT
fbem-24530	69	1	(	(	PUNCT
fbem-24530	69	2	2	2	X
fbem-24530	69	3	)	)	PUNCT
fbem-24530	69	4	factors	factor	NOUN
fbem-24530	69	5	in	in	ADP
fbem-24530	69	6	the	the	DET
fbem-24530	69	7	use	use	NOUN
fbem-24530	69	8	of	of	ADP
fbem-24530	69	9	digital	digital	ADJ
fbem-24530	69	10	financial	financial	ADJ
fbem-24530	69	11	inclusion	inclusion	NOUN
fbem-24530	69	12	table	table	NOUN
fbem-24530	69	13	7	7	NUM
fbem-24530	69	14	.	.	PUNCT
fbem-24530	69	15	channels	channel	NOUN
fbem-24530	69	16	for	for	ADP
fbem-24530	69	17	understanding	understand	VERB
fbem-24530	69	18	digital	digital	ADJ
fbem-24530	69	19	financial	financial	ADJ
fbem-24530	69	20	inclusion	inclusion	NOUN
fbem-24530	69	21	term	term	NOUN
fbem-24530	69	22	(	(	PUNCT
fbem-24530	69	23	in	in	ADP
fbem-24530	69	24	a	a	DET
fbem-24530	69	25	mathematical	mathematical	ADJ
fbem-24530	69	26	formula	formula	NOUN
fbem-24530	69	27	)	)	PUNCT
fbem-24530	69	28	responsive	responsive	ADJ
fbem-24530	69	29	prevalence	prevalence	NOUN
fbem-24530	69	30	(	(	PUNCT
fbem-24530	69	31	n=144	n=144	NUM
fbem-24530	69	32	)	)	PUNCT
fbem-24530	69	33	n	n	PRON
fbem-24530	69	34	response	response	NOUN
fbem-24530	69	35	rate	rate	NOUN
fbem-24530	69	36	17	17	NUM
fbem-24530	69	37	.	.	PUNCT
fbem-24530	70	1	(	(	PUNCT
fbem-24530	70	2	newspaper	newspaper	NOUN
fbem-24530	70	3	and	and	CCONJ
fbem-24530	70	4	television	television	NOUN
fbem-24530	70	5	news	news	NOUN
fbem-24530	70	6	)	)	PUNCT
fbem-24530	70	7	18	18	NUM
fbem-24530	70	8	5.61	5.61	NUM
fbem-24530	70	9	per	per	ADP
fbem-24530	70	10	cent	cent	NOUN
fbem-24530	70	11	12.50	12.50	NUM
fbem-24530	70	12	%	%	NOUN
fbem-24530	70	13	17	17	NUM
fbem-24530	70	14	.	.	PUNCT
fbem-24530	71	1	(	(	PUNCT
fbem-24530	71	2	financial	financial	ADJ
fbem-24530	71	3	awarenessraising	awarenessraise	VERB
fbem-24530	71	4	activities	activity	NOUN
fbem-24530	71	5	)	)	PUNCT
fbem-24530	71	6	125	125	NUM
fbem-24530	71	7	38.94	38.94	NUM
fbem-24530	71	8	per	per	ADP
fbem-24530	71	9	cent	cent	NOUN
fbem-24530	71	10	86.81	86.81	NUM
fbem-24530	71	11	per	per	ADP
fbem-24530	71	12	cent	cent	NOUN
fbem-24530	71	13	17	17	NUM
fbem-24530	71	14	.	.	PUNCT
fbem-24530	72	1	(	(	PUNCT
fbem-24530	72	2	financial	financial	ADJ
fbem-24530	72	3	institution	institution	NOUN
fbem-24530	72	4	counters	counter	NOUN
fbem-24530	72	5	)	)	PUNCT
fbem-24530	72	6	78	78	NUM
fbem-24530	72	7	24.30	24.30	NUM
fbem-24530	72	8	per	per	ADP
fbem-24530	72	9	cent	cent	NOUN
fbem-24530	72	10	54.17	54.17	NUM
fbem-24530	72	11	per	per	ADP
fbem-24530	72	12	cent	cent	NOUN
fbem-24530	72	13	17	17	NUM
fbem-24530	72	14	.	.	PUNCT
fbem-24530	73	1	(	(	PUNCT
fbem-24530	73	2	public	public	ADJ
fbem-24530	73	3	push	push	NOUN
fbem-24530	73	4	)	)	PUNCT
fbem-24530	73	5	99	99	NUM
fbem-24530	73	6	30.84	30.84	NUM
fbem-24530	73	7	per	per	ADP
fbem-24530	73	8	cent	cent	NOUN
fbem-24530	73	9	68.75	68.75	NUM
fbem-24530	73	10	per	per	ADP
fbem-24530	73	11	cent	cent	NOUN
fbem-24530	73	12	17	17	NUM
fbem-24530	73	13	.	.	PUNCT
fbem-24530	74	1	(	(	PUNCT
fbem-24530	74	2	other	other	ADJ
fbem-24530	74	3	)	)	PUNCT
fbem-24530	74	4	1	1	NUM
fbem-24530	74	5	0.31	0.31	NUM
fbem-24530	74	6	per	per	ADP
fbem-24530	74	7	cent	cent	NOUN
fbem-24530	74	8	0.69	0.69	NUM
fbem-24530	74	9	per	per	ADP
fbem-24530	74	10	cent	cent	NOUN
fbem-24530	74	11	aggregation	aggregation	NOUN
fbem-24530	74	12	321	321	NUM
fbem-24530	74	13	100	100	NUM
fbem-24530	74	14	%	%	NOUN
fbem-24530	74	15	222.92	222.92	NUM
fbem-24530	74	16	per	per	ADP
fbem-24530	74	17	cent	cent	NOUN
fbem-24530	74	18	goodness	goodness	NOUN
fbem-24530	74	19	of	of	ADP
fbem-24530	74	20	fit	fit	ADJ
fbem-24530	74	21	test	test	NOUN
fbem-24530	74	22	:	:	PUNCT
fbem-24530	75	1	χ2	χ2	PROPN
fbem-24530	75	2	=	=	SYM
fbem-24530	75	3	174.872	174.872	NUM
fbem-24530	75	4	p=0.000	p=0.000	NOUN
fbem-24530	75	5	table	table	NOUN
fbem-24530	75	6	8	8	NUM
fbem-24530	75	7	.	.	PUNCT
fbem-24530	76	1	what	what	DET
fbem-24530	76	2	form	form	NOUN
fbem-24530	76	3	of	of	ADP
fbem-24530	76	4	digital	digital	ADJ
fbem-24530	76	5	financial	financial	ADJ
fbem-24530	76	6	inclusion	inclusion	NOUN
fbem-24530	76	7	would	would	AUX
fbem-24530	76	8	you	you	PRON
fbem-24530	76	9	use	use	VERB
fbem-24530	76	10	to	to	PART
fbem-24530	76	11	access	access	VERB
fbem-24530	76	12	financial	financial	ADJ
fbem-24530	76	13	services	service	NOUN
fbem-24530	76	14	if	if	SCONJ
fbem-24530	76	15	you	you	PRON
fbem-24530	76	16	wanted	want	VERB
fbem-24530	76	17	to	to	PART
fbem-24530	76	18	?	?	PUNCT
fbem-24530	76	19	term	term	NOUN
fbem-24530	76	20	(	(	PUNCT
fbem-24530	76	21	in	in	ADP
fbem-24530	76	22	a	a	DET
fbem-24530	76	23	mathematical	mathematical	ADJ
fbem-24530	76	24	formula	formula	NOUN
fbem-24530	76	25	)	)	PUNCT
fbem-24530	76	26	responsive	responsive	ADJ
fbem-24530	76	27	prevalence	prevalence	NOUN
fbem-24530	76	28	(	(	PUNCT
fbem-24530	76	29	n=216	n=216	NUM
fbem-24530	76	30	)	)	PUNCT
fbem-24530	76	31	n	n	PRON
fbem-24530	76	32	response	response	NOUN
fbem-24530	76	33	rate	rate	NOUN
fbem-24530	76	34	19	19	NUM
fbem-24530	76	35	.	.	PUNCT
fbem-24530	77	1	(	(	PUNCT
fbem-24530	77	2	digital	digital	ADJ
fbem-24530	77	3	payments	payment	NOUN
fbem-24530	77	4	)	)	PUNCT
fbem-24530	77	5	103	103	NUM
fbem-24530	77	6	27.39	27.39	NUM
fbem-24530	77	7	per	per	ADP
fbem-24530	77	8	cent	cent	NOUN
fbem-24530	77	9	47.69	47.69	NUM
fbem-24530	77	10	per	per	ADP
fbem-24530	77	11	cent	cent	NOUN
fbem-24530	77	12	19	19	NUM
fbem-24530	77	13	.	.	PUNCT
fbem-24530	78	1	(	(	PUNCT
fbem-24530	78	2	credit	credit	NOUN
fbem-24530	78	3	facilities	facility	NOUN
fbem-24530	78	4	)	)	PUNCT
fbem-24530	78	5	61	61	NUM
fbem-24530	78	6	16.22	16.22	NUM
fbem-24530	78	7	per	per	ADP
fbem-24530	78	8	cent	cent	NOUN
fbem-24530	78	9	28.24	28.24	NUM
fbem-24530	78	10	per	per	ADP
fbem-24530	78	11	cent	cent	NOUN
fbem-24530	78	12	19	19	NUM
fbem-24530	78	13	.	.	PUNCT
fbem-24530	79	1	(	(	PUNCT
fbem-24530	79	2	investment	investment	NOUN
fbem-24530	79	3	finance	finance	NOUN
fbem-24530	79	4	)	)	PUNCT
fbem-24530	79	5	78	78	NUM
fbem-24530	79	6	20.74	20.74	NUM
fbem-24530	79	7	per	per	ADP
fbem-24530	79	8	cent	cent	NOUN
fbem-24530	79	9	36.11	36.11	NUM
fbem-24530	79	10	per	per	ADP
fbem-24530	79	11	cent	cent	NOUN
fbem-24530	79	12	19	19	NUM
fbem-24530	79	13	.	.	PUNCT
fbem-24530	80	1	(	(	PUNCT
fbem-24530	80	2	digital	digital	ADJ
fbem-24530	80	3	storage	storage	NOUN
fbem-24530	80	4	accounts	account	NOUN
fbem-24530	80	5	)	)	PUNCT
fbem-24530	80	6	43	43	NUM
fbem-24530	80	7	11.44	11.44	NUM
fbem-24530	80	8	per	per	ADP
fbem-24530	80	9	cent	cent	NOUN
fbem-24530	80	10	19.91	19.91	NUM
fbem-24530	80	11	per	per	ADP
fbem-24530	80	12	cent	cent	NOUN
fbem-24530	80	13	19	19	NUM
fbem-24530	80	14	.	.	PUNCT
fbem-24530	81	1	(	(	PUNCT
fbem-24530	81	2	insurance	insurance	NOUN
fbem-24530	81	3	)	)	PUNCT
fbem-24530	81	4	88	88	NUM
fbem-24530	81	5	23.40	23.40	NUM
fbem-24530	81	6	per	per	ADP
fbem-24530	81	7	cent	cent	NOUN
fbem-24530	81	8	40.74	40.74	NUM
fbem-24530	81	9	per	per	ADP
fbem-24530	81	10	cent	cent	NOUN
fbem-24530	81	11	19	19	NUM
fbem-24530	81	12	.	.	PUNCT
fbem-24530	82	1	(	(	PUNCT
fbem-24530	82	2	other	other	ADJ
fbem-24530	82	3	)	)	PUNCT
fbem-24530	82	4	3	3	NUM
fbem-24530	82	5	0.80	0.80	NUM
fbem-24530	82	6	per	per	ADP
fbem-24530	82	7	cent	cent	NOUN
fbem-24530	82	8	1.39	1.39	NUM
fbem-24530	82	9	per	per	ADP
fbem-24530	82	10	cent	cent	NOUN
fbem-24530	82	11	aggregation	aggregation	NOUN
fbem-24530	82	12	376	376	NUM
fbem-24530	82	13	100	100	NUM
fbem-24530	82	14	%	%	NOUN
fbem-24530	82	15	174.07	174.07	NUM
fbem-24530	82	16	per	per	ADP
fbem-24530	82	17	cent	cent	NOUN
fbem-24530	82	18	goodness	goodness	NOUN
fbem-24530	82	19	of	of	ADP
fbem-24530	82	20	fit	fit	ADJ
fbem-24530	82	21	test	test	NOUN
fbem-24530	82	22	:	:	PUNCT
fbem-24530	82	23	χ2=102.979	χ2=102.979	X
fbem-24530	82	24	p=0.000	p=0.000	NOUN
fbem-24530	82	25	table	table	NOUN
fbem-24530	82	26	9	9	NUM
fbem-24530	82	27	.	.	PUNCT
fbem-24530	83	1	if	if	SCONJ
fbem-24530	83	2	not	not	PART
fbem-24530	83	3	,	,	PUNCT
fbem-24530	83	4	what	what	PRON
fbem-24530	83	5	are	be	AUX
fbem-24530	83	6	the	the	DET
fbem-24530	83	7	reasons	reason	NOUN
fbem-24530	83	8	why	why	SCONJ
fbem-24530	83	9	you	you	PRON
fbem-24530	83	10	are	be	AUX
fbem-24530	83	11	not	not	PART
fbem-24530	83	12	willing	willing	ADJ
fbem-24530	83	13	to	to	PART
fbem-24530	83	14	use	use	VERB
fbem-24530	83	15	digital	digital	ADJ
fbem-24530	83	16	financial	financial	ADJ
fbem-24530	83	17	inclusion	inclusion	NOUN
fbem-24530	83	18	?	?	PUNCT
fbem-24530	84	1	term	term	NOUN
fbem-24530	84	2	(	(	PUNCT
fbem-24530	84	3	in	in	ADP
fbem-24530	84	4	a	a	DET
fbem-24530	84	5	mathematical	mathematical	ADJ
fbem-24530	84	6	formula	formula	NOUN
fbem-24530	84	7	)	)	PUNCT
fbem-24530	84	8	responsive	responsive	ADJ
fbem-24530	84	9	prevalence	prevalence	NOUN
fbem-24530	84	10	(	(	PUNCT
fbem-24530	84	11	n=48	n=48	NOUN
fbem-24530	84	12	)	)	PUNCT
fbem-24530	84	13	n	n	PRON
fbem-24530	84	14	response	response	NOUN
fbem-24530	84	15	rate	rate	NOUN
fbem-24530	84	16	20	20	NUM
fbem-24530	84	17	.	.	PUNCT
fbem-24530	85	1	(	(	PUNCT
fbem-24530	85	2	distrust	distrust	NOUN
fbem-24530	85	3	for	for	ADP
fbem-24530	85	4	personal	personal	ADJ
fbem-24530	85	5	reasons	reason	NOUN
fbem-24530	85	6	)	)	PUNCT
fbem-24530	85	7	34	34	NUM
fbem-24530	85	8	29.57	29.57	NUM
fbem-24530	85	9	per	per	ADP
fbem-24530	85	10	cent	cent	NOUN
fbem-24530	85	11	70.83	70.83	NUM
fbem-24530	85	12	per	per	ADP
fbem-24530	85	13	cent	cent	NOUN
fbem-24530	85	14	20	20	NUM
fbem-24530	85	15	.	.	PUNCT
fbem-24530	86	1	(	(	PUNCT
fbem-24530	86	2	lack	lack	NOUN
fbem-24530	86	3	of	of	ADP
fbem-24530	86	4	understanding	understanding	NOUN
fbem-24530	86	5	of	of	ADP
fbem-24530	86	6	policy	policy	NOUN
fbem-24530	86	7	,	,	PUNCT
fbem-24530	86	8	lack	lack	NOUN
fbem-24530	86	9	of	of	ADP
fbem-24530	86	10	interpretation	interpretation	NOUN
fbem-24530	86	11	)	)	PUNCT
fbem-24530	86	12	27	27	NUM
fbem-24530	86	13	23.48	23.48	NUM
fbem-24530	86	14	per	per	ADP
fbem-24530	86	15	cent	cent	NOUN
fbem-24530	86	16	56.25	56.25	NUM
fbem-24530	86	17	per	per	ADP
fbem-24530	86	18	cent	cent	NOUN
fbem-24530	86	19	20	20	NUM
fbem-24530	86	20	.	.	PUNCT
fbem-24530	87	1	(	(	PUNCT
fbem-24530	87	2	rejection	rejection	NOUN
fbem-24530	87	3	of	of	ADP
fbem-24530	87	4	digital	digital	ADJ
fbem-24530	87	5	financial	financial	ADJ
fbem-24530	87	6	products	product	NOUN
fbem-24530	87	7	)	)	PUNCT
fbem-24530	87	8	22	22	NUM
fbem-24530	87	9	19.13	19.13	NUM
fbem-24530	87	10	per	per	ADP
fbem-24530	87	11	cent	cent	NOUN
fbem-24530	87	12	45.83	45.83	NUM
fbem-24530	87	13	per	per	ADP
fbem-24530	87	14	cent	cent	NOUN
fbem-24530	87	15	20	20	NUM
fbem-24530	87	16	.	.	PUNCT
fbem-24530	88	1	(	(	PUNCT
fbem-24530	88	2	inadequate	inadequate	ADJ
fbem-24530	88	3	hardware	hardware	NOUN
fbem-24530	88	4	facilities	facility	NOUN
fbem-24530	88	5	)	)	PUNCT
fbem-24530	88	6	5	5	NUM
fbem-24530	88	7	4.35	4.35	NUM
fbem-24530	88	8	per	per	ADP
fbem-24530	88	9	cent	cent	NOUN
fbem-24530	88	10	10.42	10.42	NUM
fbem-24530	88	11	per	per	ADP
fbem-24530	88	12	cent	cent	NOUN
fbem-24530	88	13	20	20	NUM
fbem-24530	88	14	.	.	PUNCT
fbem-24530	89	1	(	(	PUNCT
fbem-24530	89	2	derivatives	derivative	NOUN
fbem-24530	89	3	are	be	AUX
fbem-24530	89	4	not	not	PART
fbem-24530	89	5	popular	popular	ADJ
fbem-24530	89	6	enough	enough	ADV
fbem-24530	89	7	)	)	PUNCT
fbem-24530	89	8	12	12	NUM
fbem-24530	89	9	10.43	10.43	NUM
fbem-24530	89	10	per	per	ADP
fbem-24530	89	11	cent	cent	NOUN
fbem-24530	89	12	25.00	25.00	NUM
fbem-24530	89	13	per	per	ADP
fbem-24530	89	14	cent	cent	NOUN
fbem-24530	89	15	20	20	NUM
fbem-24530	89	16	.	.	PUNCT
fbem-24530	90	1	(	(	PUNCT
fbem-24530	90	2	not	not	PART
fbem-24530	90	3	easy	easy	ADJ
fbem-24530	90	4	to	to	PART
fbem-24530	90	5	operate	operate	VERB
fbem-24530	90	6	,	,	PUNCT
fbem-24530	90	7	more	more	ADV
fbem-24530	90	8	cumbersome	cumbersome	ADJ
fbem-24530	90	9	)	)	PUNCT
fbem-24530	90	10	15	15	NUM
fbem-24530	90	11	13.04	13.04	NUM
fbem-24530	90	12	per	per	ADP
fbem-24530	90	13	cent	cent	NOUN
fbem-24530	90	14	31.25	31.25	NUM
fbem-24530	90	15	per	per	ADP
fbem-24530	90	16	cent	cent	NOUN
fbem-24530	90	17	aggregation	aggregation	NOUN
fbem-24530	90	18	115	115	NUM
fbem-24530	90	19	100	100	NUM
fbem-24530	90	20	%	%	NOUN
fbem-24530	90	21	239.58	239.58	NUM
fbem-24530	90	22	per	per	ADP
fbem-24530	90	23	cent	cent	NOUN
fbem-24530	90	24	goodness	goodness	NOUN
fbem-24530	90	25	of	of	ADP
fbem-24530	90	26	fit	fit	ADJ
fbem-24530	90	27	test	test	NOUN
fbem-24530	90	28	:	:	PUNCT
fbem-24530	90	29	χ2	χ2	PROPN
fbem-24530	90	30	=	=	SYM
fbem-24530	90	31	29.157	29.157	NUM
fbem-24530	90	32	p=0.000	p=0.000	PRON
fbem-24530	90	33	table	table	NOUN
fbem-24530	90	34	7	7	NUM
fbem-24530	90	35	shows	show	VERB
fbem-24530	90	36	that	that	SCONJ
fbem-24530	90	37	financial	financial	ADJ
fbem-24530	90	38	publicity	publicity	NOUN
fbem-24530	90	39	activities	activity	NOUN
fbem-24530	90	40	accounted	account	VERB
fbem-24530	90	41	for	for	ADP
fbem-24530	90	42	the	the	DET
fbem-24530	90	43	highest	high	ADJ
fbem-24530	90	44	penetration	penetration	NOUN
fbem-24530	90	45	rate	rate	NOUN
fbem-24530	90	46	of	of	ADP
fbem-24530	90	47	86.81	86.81	NUM
fbem-24530	90	48	per	per	ADP
fbem-24530	90	49	cent	cent	NOUN
fbem-24530	90	50	among	among	ADP
fbem-24530	90	51	the	the	DET
fbem-24530	90	52	channels	channel	NOUN
fbem-24530	90	53	through	through	ADP
fbem-24530	90	54	which	which	PRON
fbem-24530	90	55	university	university	NOUN
fbem-24530	90	56	students	student	NOUN
fbem-24530	90	57	in	in	ADP
fbem-24530	90	58	guangzhou	guangzhou	PROPN
fbem-24530	90	59	learnt	learn	VERB
fbem-24530	90	60	about	about	ADP
fbem-24530	90	61	digital	digital	ADJ
fbem-24530	90	62	financial	financial	ADJ
fbem-24530	90	63	inclusion	inclusion	NOUN
fbem-24530	90	64	,	,	PUNCT
fbem-24530	90	65	followed	follow	VERB
fbem-24530	90	66	by	by	ADP
fbem-24530	90	67	public	public	ADJ
fbem-24530	90	68	number	number	NOUN
fbem-24530	90	69	push	push	NOUN
fbem-24530	90	70	,	,	PUNCT
fbem-24530	90	71	with	with	ADP
fbem-24530	90	72	a	a	DET
fbem-24530	90	73	penetration	penetration	NOUN
fbem-24530	90	74	rate	rate	NOUN
fbem-24530	90	75	of	of	ADP
fbem-24530	90	76	68.75	68.75	NUM
fbem-24530	90	77	per	per	ADP
fbem-24530	90	78	cent	cent	NOUN
fbem-24530	90	79	,	,	PUNCT
fbem-24530	90	80	and	and	CCONJ
fbem-24530	90	81	then	then	ADV
fbem-24530	90	82	financial	financial	ADJ
fbem-24530	90	83	institutions	institution	NOUN
fbem-24530	90	84	'	'	PART
fbem-24530	90	85	counters	counter	NOUN
fbem-24530	90	86	and	and	CCONJ
fbem-24530	90	87	newspapers	newspaper	NOUN
fbem-24530	90	88	and	and	CCONJ
fbem-24530	90	89	tv	tv	NOUN
fbem-24530	90	90	news	news	NOUN
fbem-24530	90	91	,	,	PUNCT
fbem-24530	90	92	with	with	ADP
fbem-24530	90	93	a	a	DET
fbem-24530	90	94	penetration	penetration	NOUN
fbem-24530	90	95	rate	rate	NOUN
fbem-24530	90	96	of	of	ADP
fbem-24530	90	97	54.17	54.17	NUM
fbem-24530	90	98	per	per	ADP
fbem-24530	90	99	cent	cent	NOUN
fbem-24530	90	100	and	and	CCONJ
fbem-24530	90	101	12.50	12.50	NUM
fbem-24530	90	102	per	per	ADP
fbem-24530	90	103	cent	cent	NOUN
fbem-24530	90	104	,	,	PUNCT
fbem-24530	90	105	respectively	respectively	ADV
fbem-24530	90	106	.	.	PUNCT
fbem-24530	91	1	this	this	PRON
fbem-24530	91	2	shows	show	VERB
fbem-24530	91	3	that	that	SCONJ
fbem-24530	91	4	financial	financial	ADJ
fbem-24530	91	5	publicity	publicity	NOUN
fbem-24530	91	6	campaigns	campaign	NOUN
fbem-24530	91	7	and	and	CCONJ
fbem-24530	91	8	public	public	ADJ
fbem-24530	91	9	number	number	NOUN
fbem-24530	91	10	pushes	push	NOUN
fbem-24530	91	11	are	be	AUX
fbem-24530	91	12	powerful	powerful	ADJ
fbem-24530	91	13	digital	digital	ADJ
fbem-24530	91	14	means	mean	NOUN
fbem-24530	91	15	of	of	ADP
fbem-24530	91	16	promoting	promote	VERB
fbem-24530	91	17	financial	financial	ADJ
fbem-24530	91	18	inclusion	inclusion	NOUN
fbem-24530	91	19	.	.	PUNCT
fbem-24530	92	1	table	table	NOUN
fbem-24530	92	2	8	8	NUM
fbem-24530	92	3	shows	show	VERB
fbem-24530	92	4	that	that	SCONJ
fbem-24530	92	5	among	among	ADP
fbem-24530	92	6	university	university	NOUN
fbem-24530	92	7	students	student	NOUN
fbem-24530	92	8	in	in	ADP
fbem-24530	92	9	guangzhou	guangzhou	PROPN
fbem-24530	92	10	city	city	PROPN
fbem-24530	92	11	,	,	PUNCT
fbem-24530	92	12	they	they	PRON
fbem-24530	92	13	would	would	AUX
fbem-24530	92	14	be	be	AUX
fbem-24530	92	15	more	more	ADV
fbem-24530	92	16	likely	likely	ADJ
fbem-24530	92	17	to	to	PART
fbem-24530	92	18	use	use	VERB
fbem-24530	92	19	digital	digital	ADJ
fbem-24530	92	20	payment	payment	NOUN
fbem-24530	92	21	to	to	PART
fbem-24530	92	22	access	access	VERB
fbem-24530	92	23	digital	digital	ADJ
fbem-24530	92	24	inclusive	inclusive	ADJ
fbem-24530	92	25	financial	financial	ADJ
fbem-24530	92	26	services	service	NOUN
fbem-24530	92	27	,	,	PUNCT
fbem-24530	92	28	followed	follow	VERB
fbem-24530	92	29	by	by	ADP
fbem-24530	92	30	insurance	insurance	NOUN
fbem-24530	92	31	,	,	PUNCT
fbem-24530	92	32	investment	investment	NOUN
fbem-24530	92	33	and	and	CCONJ
fbem-24530	92	34	finance	finance	NOUN
fbem-24530	92	35	,	,	PUNCT
fbem-24530	92	36	credit	credit	NOUN
fbem-24530	92	37	loans	loan	NOUN
fbem-24530	92	38	,	,	PUNCT
fbem-24530	92	39	and	and	CCONJ
fbem-24530	92	40	digital	digital	ADJ
fbem-24530	92	41	storage	storage	NOUN
fbem-24530	92	42	accounts	account	NOUN
fbem-24530	92	43	.	.	PUNCT
fbem-24530	93	1	table	table	NOUN
fbem-24530	93	2	9	9	NUM
fbem-24530	93	3	shows	show	VERB
fbem-24530	93	4	that	that	SCONJ
fbem-24530	93	5	the	the	DET
fbem-24530	93	6	number	number	NOUN
fbem-24530	93	7	of	of	ADP
fbem-24530	93	8	people	people	NOUN
fbem-24530	93	9	who	who	PRON
fbem-24530	93	10	do	do	AUX
fbem-24530	93	11	not	not	PART
fbem-24530	93	12	use	use	VERB
fbem-24530	93	13	digital	digital	ADJ
fbem-24530	93	14	financial	financial	ADJ
fbem-24530	93	15	services	service	NOUN
fbem-24530	93	16	for	for	ADP
fbem-24530	93	17	personal	personal	ADJ
fbem-24530	93	18	reasons	reason	NOUN
fbem-24530	93	19	of	of	ADP
fbem-24530	93	20	distrust	distrust	NOUN
fbem-24530	93	21	is	be	AUX
fbem-24530	93	22	the	the	DET
fbem-24530	93	23	highest	high	ADJ
fbem-24530	93	24	.	.	PUNCT
fbem-24530	94	1	then	then	ADV
fbem-24530	94	2	there	there	PRON
fbem-24530	94	3	is	be	VERB
fbem-24530	94	4	a	a	DET
fbem-24530	94	5	lack	lack	NOUN
fbem-24530	94	6	of	of	ADP
fbem-24530	94	7	understanding	understanding	NOUN
fbem-24530	94	8	of	of	ADP
fbem-24530	94	9	the	the	DET
fbem-24530	94	10	policy	policy	NOUN
fbem-24530	94	11	,	,	PUNCT
fbem-24530	94	12	lack	lack	NOUN
fbem-24530	94	13	of	of	ADP
fbem-24530	94	14	interpretation	interpretation	NOUN
fbem-24530	94	15	,	,	PUNCT
fbem-24530	94	16	rejection	rejection	NOUN
fbem-24530	94	17	of	of	ADP
fbem-24530	94	18	digital	digital	ADJ
fbem-24530	94	19	financial	financial	ADJ
fbem-24530	94	20	products	product	NOUN
fbem-24530	94	21	,	,	PUNCT
fbem-24530	94	22	not	not	PART
fbem-24530	94	23	easy	easy	ADJ
fbem-24530	94	24	to	to	PART
fbem-24530	94	25	operate	operate	VERB
fbem-24530	94	26	more	more	ADV
fbem-24530	94	27	troublesome	troublesome	ADJ
fbem-24530	94	28	,	,	PUNCT
fbem-24530	94	29	derivatives	derivative	NOUN
fbem-24530	94	30	are	be	AUX
fbem-24530	94	31	not	not	PART
fbem-24530	94	32	popular	popular	ADJ
fbem-24530	94	33	enough	enough	ADV
fbem-24530	94	34	,	,	PUNCT
fbem-24530	94	35	and	and	CCONJ
fbem-24530	94	36	insufficient	insufficient	ADJ
fbem-24530	94	37	hardware	hardware	NOUN
fbem-24530	94	38	facilities	facility	NOUN
fbem-24530	94	39	.	.	PUNCT
fbem-24530	95	1	this	this	PRON
fbem-24530	95	2	shows	show	VERB
fbem-24530	95	3	that	that	SCONJ
fbem-24530	95	4	financial	financial	ADJ
fbem-24530	95	5	inclusion	inclusion	NOUN
fbem-24530	95	6	needs	need	VERB
fbem-24530	95	7	to	to	PART
fbem-24530	95	8	be	be	AUX
fbem-24530	95	9	further	far	ADV
fbem-24530	95	10	promoted	promote	VERB
fbem-24530	95	11	by	by	ADP
fbem-24530	95	12	digital	digital	ADJ
fbem-24530	95	13	means	mean	NOUN
fbem-24530	95	14	and	and	CCONJ
fbem-24530	95	15	still	still	ADV
fbem-24530	95	16	requires	require	VERB
fbem-24530	95	17	more	more	ADJ
fbem-24530	95	18	innovation	innovation	NOUN
fbem-24530	95	19	.	.	PUNCT
fbem-24530	96	1	3.3	3.3	NUM
fbem-24530	96	2	.	.	PUNCT
fbem-24530	96	3	explore	explore	VERB
fbem-24530	96	4	strategies	strategy	NOUN
fbem-24530	96	5	and	and	CCONJ
fbem-24530	96	6	recommendations	recommendation	NOUN
fbem-24530	96	7	to	to	PART
fbem-24530	96	8	increase	increase	VERB
fbem-24530	96	9	the	the	DET
fbem-24530	96	10	use	use	NOUN
fbem-24530	96	11	of	of	ADP
fbem-24530	96	12	digital	digital	ADJ
fbem-24530	96	13	financial	financial	ADJ
fbem-24530	96	14	inclusion	inclusion	NOUN
fbem-24530	96	15	among	among	ADP
fbem-24530	96	16	university	university	NOUN
fbem-24530	96	17	students	student	NOUN
fbem-24530	96	18	.	.	PUNCT
fbem-24530	97	1	according	accord	VERB
fbem-24530	97	2	to	to	ADP
fbem-24530	97	3	the	the	DET
fbem-24530	97	4	sample	sample	NOUN
fbem-24530	97	5	recovery	recovery	NOUN
fbem-24530	97	6	in	in	ADP
fbem-24530	97	7	table	table	NOUN
fbem-24530	97	8	10	10	NUM
fbem-24530	97	9	,	,	PUNCT
fbem-24530	97	10	most	most	ADJ
fbem-24530	97	11	of	of	ADP
fbem-24530	97	12	the	the	DET
fbem-24530	97	13	university	university	NOUN
fbem-24530	97	14	students	student	NOUN
fbem-24530	97	15	in	in	ADP
fbem-24530	97	16	guangzhou	guangzhou	PROPN
fbem-24530	97	17	believe	believe	VERB
fbem-24530	97	18	that	that	SCONJ
fbem-24530	97	19	the	the	DET
fbem-24530	97	20	convenience	convenience	NOUN
fbem-24530	97	21	brought	bring	VERB
fbem-24530	97	22	by	by	ADP
fbem-24530	97	23	digital	digital	ADJ
fbem-24530	97	24	financial	financial	ADJ
fbem-24530	97	25	inclusion	inclusion	NOUN
fbem-24530	97	26	is	be	AUX
fbem-24530	97	27	in	in	ADP
fbem-24530	97	28	line	line	NOUN
fbem-24530	97	29	with	with	ADP
fbem-24530	97	30	the	the	DET
fbem-24530	97	31	birth	birth	NOUN
fbem-24530	97	32	concept	concept	NOUN
fbem-24530	97	33	of	of	ADP
fbem-24530	97	34	financial	financial	ADJ
fbem-24530	97	35	inclusion	inclusion	NOUN
fbem-24530	97	36	:	:	PUNCT
fbem-24530	97	37	"	"	PUNCT
fbem-24530	97	38	to	to	PART
fbem-24530	97	39	provide	provide	VERB
fbem-24530	97	40	appropriate	appropriate	ADJ
fbem-24530	97	41	and	and	CCONJ
fbem-24530	97	42	effective	effective	ADJ
fbem-24530	97	43	financial	financial	ADJ
fbem-24530	97	44	services	service	NOUN
fbem-24530	97	45	at	at	ADP
fbem-24530	97	46	affordable	affordable	ADJ
fbem-24530	97	47	costs	cost	NOUN
fbem-24530	97	48	to	to	ADP
fbem-24530	97	49	all	all	DET
fbem-24530	97	50	social	social	ADJ
fbem-24530	97	51	strata	strata	NOUN
fbem-24530	97	52	and	and	CCONJ
fbem-24530	97	53	groups	group	NOUN
fbem-24530	97	54	with	with	ADP
fbem-24530	97	55	financial	financial	ADJ
fbem-24530	97	56	service	service	NOUN
fbem-24530	97	57	needs	need	NOUN
fbem-24530	97	58	.	.	PUNCT
fbem-24530	97	59	"	"	PUNCT
fbem-24530	98	1	this	this	PRON
fbem-24530	98	2	is	be	AUX
fbem-24530	98	3	in	in	ADP
fbem-24530	98	4	line	line	NOUN
fbem-24530	98	5	with	with	ADP
fbem-24530	98	6	the	the	DET
fbem-24530	98	7	concept	concept	NOUN
fbem-24530	98	8	of	of	ADP
fbem-24530	98	9	financial	financial	ADJ
fbem-24530	98	10	inclusion	inclusion	NOUN
fbem-24530	98	11	.	.	PUNCT
fbem-24530	99	1	table	table	NOUN
fbem-24530	99	2	11	11	NUM
fbem-24530	99	3	shows	show	VERB
fbem-24530	99	4	that	that	SCONJ
fbem-24530	99	5	when	when	SCONJ
fbem-24530	99	6	using	use	VERB
fbem-24530	99	7	digital	digital	ADJ
fbem-24530	99	8	financial	financial	ADJ
fbem-24530	99	9	inclusion	inclusion	NOUN
fbem-24530	99	10	some	some	DET
fbem-24530	99	11	people	people	NOUN
fbem-24530	99	12	think	think	VERB
fbem-24530	99	13	it	it	PRON
fbem-24530	99	14	is	be	AUX
fbem-24530	99	15	fine	fine	ADJ
fbem-24530	99	16	;	;	PUNCT
fbem-24530	99	17	most	most	ADJ
fbem-24530	99	18	people	people	NOUN
fbem-24530	99	19	think	think	VERB
fbem-24530	99	20	that	that	SCONJ
fbem-24530	99	21	digital	digital	ADJ
fbem-24530	99	22	financial	financial	ADJ
fbem-24530	99	23	inclusion	inclusion	NOUN
fbem-24530	99	24	services	service	NOUN
fbem-24530	99	25	will	will	AUX
fbem-24530	99	26	promote	promote	VERB
fbem-24530	99	27	the	the	DET
fbem-24530	99	28	over	over	ADP
fbem-24530	99	29	-	-	PUNCT
fbem-24530	99	30	occurrence	occurrence	NOUN
fbem-24530	99	31	of	of	ADP
fbem-24530	99	32	malpractice	malpractice	NOUN
fbem-24530	99	33	and	and	CCONJ
fbem-24530	99	34	that	that	SCONJ
fbem-24530	99	35	there	there	PRON
fbem-24530	99	36	are	be	VERB
fbem-24530	99	37	large	large	ADJ
fbem-24530	99	38	regulatory	regulatory	ADJ
fbem-24530	99	39	gaps	gap	NOUN
fbem-24530	99	40	and	and	CCONJ
fbem-24530	99	41	a	a	DET
fbem-24530	99	42	lack	lack	NOUN
fbem-24530	99	43	of	of	ADP
fbem-24530	99	44	inclusion	inclusion	NOUN
fbem-24530	99	45	;	;	PUNCT
fbem-24530	99	46	and	and	CCONJ
fbem-24530	99	47	a	a	DET
fbem-24530	99	48	few	few	ADJ
fbem-24530	99	49	people	people	NOUN
fbem-24530	99	50	think	think	VERB
fbem-24530	99	51	that	that	SCONJ
fbem-24530	99	52	there	there	PRON
fbem-24530	99	53	will	will	AUX
fbem-24530	99	54	be	be	AUX
fbem-24530	99	55	a	a	DET
fbem-24530	99	56	high	high	ADJ
fbem-24530	99	57	incidence	incidence	NOUN
fbem-24530	99	58	of	of	ADP
fbem-24530	99	59	financial	financial	ADJ
fbem-24530	99	60	fraud	fraud	NOUN
fbem-24530	99	61	.	.	PUNCT
fbem-24530	100	1	from	from	ADP
fbem-24530	100	2	table	table	NOUN
fbem-24530	100	3	12	12	NUM
fbem-24530	100	4	,	,	PUNCT
fbem-24530	100	5	it	it	PRON
fbem-24530	100	6	can	can	AUX
fbem-24530	100	7	be	be	AUX
fbem-24530	100	8	seen	see	VERB
fbem-24530	100	9	that	that	SCONJ
fbem-24530	100	10	the	the	DET
fbem-24530	100	11	development	development	NOUN
fbem-24530	100	12	of	of	ADP
fbem-24530	100	13	digital	digital	ADJ
fbem-24530	100	14	financial	financial	ADJ
fbem-24530	100	15	inclusion	inclusion	NOUN
fbem-24530	100	16	,	,	PUNCT
fbem-24530	100	17	first	first	ADV
fbem-24530	100	18	of	of	ADP
fbem-24530	100	19	all	all	PRON
fbem-24530	100	20	,	,	PUNCT
fbem-24530	100	21	we	we	PRON
fbem-24530	100	22	need	need	VERB
fbem-24530	100	23	to	to	PART
fbem-24530	100	24	publicity	publicity	VERB
fbem-24530	100	25	in	in	ADP
fbem-24530	100	26	place	place	NOUN
fbem-24530	100	27	to	to	PART
fbem-24530	100	28	increase	increase	VERB
fbem-24530	100	29	the	the	DET
fbem-24530	100	30	popularity	popularity	NOUN
fbem-24530	100	31	;	;	PUNCT
fbem-24530	100	32	secondly	secondly	ADV
fbem-24530	100	33	,	,	PUNCT
fbem-24530	100	34	the	the	DET
fbem-24530	100	35	digital	digital	ADJ
fbem-24530	100	36	means	mean	VERB
fbem-24530	100	37	5	5	NUM
fbem-24530	100	38	technology	technology	NOUN
fbem-24530	100	39	should	should	AUX
fbem-24530	100	40	be	be	AUX
fbem-24530	100	41	growing	grow	VERB
fbem-24530	100	42	day	day	NOUN
fbem-24530	100	43	by	by	ADP
fbem-24530	100	44	day	day	NOUN
fbem-24530	100	45	,	,	PUNCT
fbem-24530	100	46	and	and	CCONJ
fbem-24530	100	47	the	the	DET
fbem-24530	100	48	rule	rule	NOUN
fbem-24530	100	49	of	of	ADP
fbem-24530	100	50	law	law	NOUN
fbem-24530	100	51	in	in	ADP
fbem-24530	100	52	society	society	NOUN
fbem-24530	100	53	needs	need	VERB
fbem-24530	100	54	to	to	PART
fbem-24530	100	55	be	be	AUX
fbem-24530	100	56	well	well	ADV
fbem-24530	100	57	managed	manage	VERB
fbem-24530	100	58	in	in	ADP
fbem-24530	100	59	order	order	NOUN
fbem-24530	100	60	to	to	PART
fbem-24530	100	61	let	let	VERB
fbem-24530	100	62	everyone	everyone	PRON
fbem-24530	100	63	feel	feel	VERB
fbem-24530	100	64	more	more	ADV
fbem-24530	100	65	at	at	ADP
fbem-24530	100	66	ease	ease	NOUN
fbem-24530	100	67	to	to	PART
fbem-24530	100	68	put	put	VERB
fbem-24530	100	69	it	it	PRON
fbem-24530	100	70	into	into	ADP
fbem-24530	100	71	use	use	NOUN
fbem-24530	100	72	;	;	PUNCT
fbem-24530	100	73	in	in	ADP
fbem-24530	100	74	addition	addition	NOUN
fbem-24530	100	75	to	to	ADP
fbem-24530	100	76	the	the	DET
fbem-24530	100	77	need	need	NOUN
fbem-24530	100	78	to	to	PART
fbem-24530	100	79	innovate	innovate	VERB
fbem-24530	100	80	and	and	CCONJ
fbem-24530	100	81	personalise	personalise	VERB
fbem-24530	100	82	the	the	DET
fbem-24530	100	83	design	design	NOUN
fbem-24530	100	84	,	,	PUNCT
fbem-24530	100	85	to	to	PART
fbem-24530	100	86	improve	improve	VERB
fbem-24530	100	87	customer	customer	NOUN
fbem-24530	100	88	interest	interest	NOUN
fbem-24530	100	89	as	as	ADV
fbem-24530	100	90	well	well	ADV
fbem-24530	100	91	as	as	ADP
fbem-24530	100	92	to	to	PART
fbem-24530	100	93	increase	increase	VERB
fbem-24530	100	94	the	the	DET
fbem-24530	100	95	stickiness	stickiness	NOUN
fbem-24530	100	96	.	.	PUNCT
fbem-24530	101	1	table	table	NOUN
fbem-24530	101	2	10	10	NUM
fbem-24530	101	3	.	.	PUNCT
fbem-24530	102	1	what	what	PRON
fbem-24530	102	2	digital	digital	ADJ
fbem-24530	102	3	financial	financial	ADJ
fbem-24530	102	4	inclusion	inclusion	NOUN
fbem-24530	102	5	facilitates	facilitate	VERB
fbem-24530	102	6	term	term	NOUN
fbem-24530	102	7	(	(	PUNCT
fbem-24530	102	8	in	in	ADP
fbem-24530	102	9	a	a	DET
fbem-24530	102	10	mathematical	mathematical	ADJ
fbem-24530	102	11	formula	formula	NOUN
fbem-24530	102	12	)	)	PUNCT
fbem-24530	102	13	responsive	responsive	ADJ
fbem-24530	102	14	prevalence	prevalence	NOUN
fbem-24530	102	15	(	(	PUNCT
fbem-24530	102	16	n=264	n=264	NOUN
fbem-24530	102	17	)	)	PUNCT
fbem-24530	102	18	n	n	PRON
fbem-24530	102	19	response	response	NOUN
fbem-24530	102	20	rate	rate	NOUN
fbem-24530	102	21	21	21	NUM
fbem-24530	102	22	.	.	PUNCT
fbem-24530	103	1	(	(	PUNCT
fbem-24530	103	2	lowering	lower	VERB
fbem-24530	103	3	the	the	DET
fbem-24530	103	4	threshold	threshold	NOUN
fbem-24530	103	5	for	for	ADP
fbem-24530	103	6	financial	financial	ADJ
fbem-24530	103	7	services	service	NOUN
fbem-24530	103	8	,	,	PUNCT
fbem-24530	103	9	providing	provide	VERB
fbem-24530	103	10	access	access	NOUN
fbem-24530	103	11	to	to	ADP
fbem-24530	103	12	loans	loan	NOUN
fbem-24530	103	13	,	,	PUNCT
fbem-24530	103	14	investments	investment	NOUN
fbem-24530	103	15	,	,	PUNCT
fbem-24530	103	16	insurance	insurance	NOUN
fbem-24530	103	17	,	,	PUNCT
fbem-24530	103	18	etc	etc	X
fbem-24530	103	19	.	.	X
fbem-24530	103	20	)	)	PUNCT
fbem-24530	103	21	164	164	NUM
fbem-24530	103	22	26.67	26.67	NUM
fbem-24530	103	23	per	per	ADP
fbem-24530	103	24	cent	cent	NOUN
fbem-24530	103	25	62.12	62.12	NUM
fbem-24530	103	26	per	per	ADP
fbem-24530	103	27	cent	cent	NOUN
fbem-24530	103	28	21	21	NUM
fbem-24530	103	29	.	.	PUNCT
fbem-24530	104	1	(	(	PUNCT
fbem-24530	104	2	reduced	reduce	VERB
fbem-24530	104	3	transaction	transaction	NOUN
fbem-24530	104	4	costs	cost	NOUN
fbem-24530	104	5	)	)	PUNCT
fbem-24530	104	6	59	59	NUM
fbem-24530	104	7	9.59	9.59	NUM
fbem-24530	104	8	per	per	ADP
fbem-24530	104	9	cent	cent	NOUN
fbem-24530	104	10	22.35	22.35	NUM
fbem-24530	104	11	per	per	ADP
fbem-24530	104	12	cent	cent	NOUN
fbem-24530	104	13	21	21	NUM
fbem-24530	104	14	.	.	PUNCT
fbem-24530	105	1	(	(	PUNCT
fbem-24530	105	2	increased	increase	VERB
fbem-24530	105	3	sources	source	NOUN
fbem-24530	105	4	of	of	ADP
fbem-24530	105	5	income	income	NOUN
fbem-24530	105	6	)	)	PUNCT
fbem-24530	105	7	61	61	NUM
fbem-24530	105	8	9.92	9.92	NUM
fbem-24530	105	9	per	per	ADP
fbem-24530	105	10	cent	cent	NOUN
fbem-24530	105	11	23.11	23.11	NUM
fbem-24530	105	12	per	per	ADP
fbem-24530	105	13	cent	cent	NOUN
fbem-24530	105	14	21	21	NUM
fbem-24530	105	15	.	.	PUNCT
fbem-24530	106	1	(	(	PUNCT
fbem-24530	106	2	reduces	reduce	VERB
fbem-24530	106	3	the	the	DET
fbem-24530	106	4	cost	cost	NOUN
fbem-24530	106	5	of	of	ADP
fbem-24530	106	6	financial	financial	ADJ
fbem-24530	106	7	services	service	NOUN
fbem-24530	106	8	and	and	CCONJ
fbem-24530	106	9	promotes	promote	VERB
fbem-24530	106	10	universal	universal	ADJ
fbem-24530	106	11	access	access	NOUN
fbem-24530	106	12	to	to	ADP
fbem-24530	106	13	financial	financial	ADJ
fbem-24530	106	14	services	service	NOUN
fbem-24530	106	15	)	)	PUNCT
fbem-24530	106	16	184	184	NUM
fbem-24530	106	17	29.92	29.92	NUM
fbem-24530	106	18	per	per	ADP
fbem-24530	106	19	cent	cent	NOUN
fbem-24530	106	20	69.70	69.70	NUM
fbem-24530	106	21	per	per	ADP
fbem-24530	106	22	cent	cent	NOUN
fbem-24530	106	23	21	21	NUM
fbem-24530	106	24	.	.	PUNCT
fbem-24530	107	1	(	(	PUNCT
fbem-24530	107	2	promotes	promote	VERB
fbem-24530	107	3	information	information	NOUN
fbem-24530	107	4	sharing	sharing	NOUN
fbem-24530	107	5	and	and	CCONJ
fbem-24530	107	6	overcomes	overcome	VERB
fbem-24530	107	7	information	information	NOUN
fbem-24530	107	8	asymmetry	asymmetry	NOUN
fbem-24530	107	9	)	)	PUNCT
fbem-24530	107	10	115	115	NUM
fbem-24530	107	11	18.70	18.70	NUM
fbem-24530	107	12	per	per	ADP
fbem-24530	107	13	cent	cent	NOUN
fbem-24530	107	14	43.56	43.56	NUM
fbem-24530	107	15	per	per	ADP
fbem-24530	107	16	cent	cent	NOUN
fbem-24530	107	17	21	21	NUM
fbem-24530	107	18	.	.	PUNCT
fbem-24530	108	1	(	(	PUNCT
fbem-24530	108	2	integration	integration	NOUN
fbem-24530	108	3	of	of	ADP
fbem-24530	108	4	the	the	DET
fbem-24530	108	5	internet	internet	NOUN
fbem-24530	108	6	and	and	CCONJ
fbem-24530	108	7	the	the	DET
fbem-24530	108	8	real	real	ADJ
fbem-24530	108	9	economy	economy	NOUN
fbem-24530	108	10	to	to	PART
fbem-24530	108	11	promote	promote	VERB
fbem-24530	108	12	the	the	DET
fbem-24530	108	13	development	development	NOUN
fbem-24530	108	14	of	of	ADP
fbem-24530	108	15	industry	industry	NOUN
fbem-24530	108	16	,	,	PUNCT
fbem-24530	108	17	markets	market	NOUN
fbem-24530	108	18	and	and	CCONJ
fbem-24530	108	19	society	society	NOUN
fbem-24530	108	20	)	)	PUNCT
fbem-24530	108	21	32	32	NUM
fbem-24530	108	22	5.20	5.20	NUM
fbem-24530	108	23	per	per	ADP
fbem-24530	108	24	cent	cent	NOUN
fbem-24530	108	25	12.12	12.12	NUM
fbem-24530	108	26	per	per	ADP
fbem-24530	108	27	cent	cent	NOUN
fbem-24530	108	28	aggregation	aggregation	NOUN
fbem-24530	108	29	615	615	NUM
fbem-24530	108	30	100	100	NUM
fbem-24530	108	31	%	%	NOUN
fbem-24530	108	32	232.95	232.95	NUM
fbem-24530	108	33	per	per	ADP
fbem-24530	108	34	cent	cent	NOUN
fbem-24530	108	35	goodness	goodness	NOUN
fbem-24530	108	36	of	of	ADP
fbem-24530	108	37	fit	fit	ADJ
fbem-24530	108	38	test	test	NOUN
fbem-24530	108	39	:	:	PUNCT
fbem-24530	108	40	χ2	χ2	PROPN
fbem-24530	108	41	=	=	SYM
fbem-24530	108	42	186.980	186.980	NUM
fbem-24530	108	43	p=0.000	p=0.000	NOUN
fbem-24530	108	44	table	table	NOUN
fbem-24530	108	45	11	11	NUM
fbem-24530	108	46	.	.	PUNCT
fbem-24530	109	1	what	what	PRON
fbem-24530	109	2	problems	problem	NOUN
fbem-24530	109	3	are	be	AUX
fbem-24530	109	4	encountered	encounter	VERB
fbem-24530	109	5	or	or	CCONJ
fbem-24530	109	6	exist	exist	VERB
fbem-24530	109	7	when	when	SCONJ
fbem-24530	109	8	using	use	VERB
fbem-24530	109	9	digital	digital	ADJ
fbem-24530	109	10	financial	financial	ADJ
fbem-24530	109	11	inclusion	inclusion	NOUN
fbem-24530	109	12	term	term	NOUN
fbem-24530	109	13	(	(	PUNCT
fbem-24530	109	14	in	in	ADP
fbem-24530	109	15	a	a	DET
fbem-24530	109	16	mathematical	mathematical	ADJ
fbem-24530	109	17	formula	formula	NOUN
fbem-24530	109	18	)	)	PUNCT
fbem-24530	109	19	responsive	responsive	ADJ
fbem-24530	109	20	prevalence	prevalence	NOUN
fbem-24530	109	21	(	(	PUNCT
fbem-24530	109	22	n=264	n=264	NOUN
fbem-24530	109	23	)	)	PUNCT
fbem-24530	109	24	n	n	PRON
fbem-24530	109	25	response	response	NOUN
fbem-24530	109	26	rate	rate	NOUN
fbem-24530	109	27	22	22	NUM
fbem-24530	109	28	.	.	PUNCT
fbem-24530	110	1	(	(	PUNCT
fbem-24530	110	2	no	no	DET
fbem-24530	110	3	problem	problem	NOUN
fbem-24530	110	4	)	)	PUNCT
fbem-24530	110	5	154	154	NUM
fbem-24530	110	6	19.47	19.47	NUM
fbem-24530	110	7	per	per	ADP
fbem-24530	110	8	cent	cent	NOUN
fbem-24530	110	9	58.33	58.33	NUM
fbem-24530	110	10	per	per	ADP
fbem-24530	110	11	cent	cent	NOUN
fbem-24530	110	12	22	22	NUM
fbem-24530	110	13	.	.	PUNCT
fbem-24530	111	1	(	(	PUNCT
fbem-24530	111	2	contribute	contribute	VERB
fbem-24530	111	3	to	to	ADP
fbem-24530	111	4	the	the	DET
fbem-24530	111	5	incidence	incidence	NOUN
fbem-24530	111	6	of	of	ADP
fbem-24530	111	7	undesirable	undesirable	ADJ
fbem-24530	111	8	overspending	overspending	NOUN
fbem-24530	111	9	)	)	PUNCT
fbem-24530	111	10	195	195	NUM
fbem-24530	111	11	24.65	24.65	NUM
fbem-24530	111	12	per	per	ADP
fbem-24530	111	13	cent	cent	NOUN
fbem-24530	111	14	73.86	73.86	NUM
fbem-24530	111	15	per	per	ADP
fbem-24530	111	16	cent	cent	NOUN
fbem-24530	111	17	22	22	NUM
fbem-24530	111	18	.	.	PUNCT
fbem-24530	112	1	(	(	PUNCT
fbem-24530	112	2	large	large	ADJ
fbem-24530	112	3	regulatory	regulatory	ADJ
fbem-24530	112	4	gaps	gap	NOUN
fbem-24530	112	5	)	)	PUNCT
fbem-24530	112	6	138	138	NUM
fbem-24530	112	7	17.45	17.45	NUM
fbem-24530	112	8	per	per	ADP
fbem-24530	112	9	cent	cent	NOUN
fbem-24530	112	10	52.27	52.27	NUM
fbem-24530	112	11	per	per	ADP
fbem-24530	112	12	cent	cent	NOUN
fbem-24530	112	13	22	22	NUM
fbem-24530	112	14	.	.	PUNCT
fbem-24530	113	1	(	(	PUNCT
fbem-24530	113	2	lack	lack	NOUN
fbem-24530	113	3	of	of	ADP
fbem-24530	113	4	universality	universality	NOUN
fbem-24530	113	5	)	)	PUNCT
fbem-24530	113	6	183	183	NUM
fbem-24530	113	7	23.14	23.14	NUM
fbem-24530	113	8	per	per	ADP
fbem-24530	113	9	cent	cent	NOUN
fbem-24530	113	10	69.32	69.32	NUM
fbem-24530	113	11	per	per	ADP
fbem-24530	113	12	cent	cent	NOUN
fbem-24530	113	13	22	22	NUM
fbem-24530	113	14	.	.	PUNCT
fbem-24530	114	1	(	(	PUNCT
fbem-24530	114	2	high	high	ADJ
fbem-24530	114	3	incidence	incidence	NOUN
fbem-24530	114	4	of	of	ADP
fbem-24530	114	5	financial	financial	ADJ
fbem-24530	114	6	fraud	fraud	NOUN
fbem-24530	114	7	)	)	PUNCT
fbem-24530	114	8	97	97	NUM
fbem-24530	114	9	12.26	12.26	NUM
fbem-24530	114	10	per	per	ADP
fbem-24530	114	11	cent	cent	NOUN
fbem-24530	114	12	36.74	36.74	NUM
fbem-24530	114	13	per	per	ADP
fbem-24530	114	14	cent	cent	NOUN
fbem-24530	114	15	22	22	NUM
fbem-24530	114	16	.	.	PUNCT
fbem-24530	115	1	(	(	PUNCT
fbem-24530	115	2	other	other	ADJ
fbem-24530	115	3	)	)	PUNCT
fbem-24530	115	4	24	24	NUM
fbem-24530	115	5	3.03	3.03	NUM
fbem-24530	115	6	per	per	ADP
fbem-24530	115	7	cent	cent	NOUN
fbem-24530	115	8	9.09	9.09	NUM
fbem-24530	115	9	per	per	NOUN
fbem-24530	115	10	cent	cent	NOUN
fbem-24530	115	11	aggregation	aggregation	NOUN
fbem-24530	115	12	791	791	NUM
fbem-24530	115	13	100	100	NUM
fbem-24530	115	14	%	%	NOUN
fbem-24530	115	15	299.62	299.62	NUM
fbem-24530	115	16	per	per	ADP
fbem-24530	115	17	cent	cent	NOUN
fbem-24530	115	18	goodness	goodness	NOUN
fbem-24530	115	19	of	of	ADP
fbem-24530	115	20	fit	fit	ADJ
fbem-24530	115	21	test	test	NOUN
fbem-24530	115	22	:	:	PUNCT
fbem-24530	115	23	χ2	χ2	PROPN
fbem-24530	115	24	=	=	SYM
fbem-24530	115	25	151.546	151.546	NUM
fbem-24530	115	26	p=0.000	p=0.000	NUM
fbem-24530	115	27	table	table	NOUN
fbem-24530	115	28	12	12	NUM
fbem-24530	115	29	.	.	PUNCT
fbem-24530	115	30	areas	area	NOUN
fbem-24530	115	31	for	for	ADP
fbem-24530	115	32	improvement	improvement	NOUN
fbem-24530	115	33	in	in	ADP
fbem-24530	115	34	digital	digital	ADJ
fbem-24530	115	35	financial	financial	ADJ
fbem-24530	115	36	inclusion	inclusion	NOUN
fbem-24530	115	37	services	service	NOUN
fbem-24530	115	38	term	term	NOUN
fbem-24530	115	39	(	(	PUNCT
fbem-24530	115	40	in	in	ADP
fbem-24530	115	41	a	a	DET
fbem-24530	115	42	mathematical	mathematical	ADJ
fbem-24530	115	43	formula	formula	NOUN
fbem-24530	115	44	)	)	PUNCT
fbem-24530	115	45	responsive	responsive	ADJ
fbem-24530	115	46	prevalence	prevalence	NOUN
fbem-24530	115	47	(	(	PUNCT
fbem-24530	115	48	n=264	n=264	NOUN
fbem-24530	115	49	)	)	PUNCT
fbem-24530	115	50	n	n	PRON
fbem-24530	115	51	response	response	NOUN
fbem-24530	115	52	rate	rate	NOUN
fbem-24530	115	53	23	23	NUM
fbem-24530	115	54	.	.	PUNCT
fbem-24530	116	1	(	(	PUNCT
fbem-24530	116	2	policy	policy	NOUN
fbem-24530	116	3	advocacy	advocacy	NOUN
fbem-24530	116	4	needs	need	VERB
fbem-24530	116	5	to	to	PART
fbem-24530	116	6	be	be	AUX
fbem-24530	116	7	deepened	deepen	VERB
fbem-24530	116	8	and	and	CCONJ
fbem-24530	116	9	is	be	AUX
fbem-24530	116	10	not	not	PART
fbem-24530	116	11	sufficiently	sufficiently	ADV
fbem-24530	116	12	widespread	widespread	ADJ
fbem-24530	116	13	)	)	PUNCT
fbem-24530	116	14	85	85	NUM
fbem-24530	116	15	10.28	10.28	NUM
fbem-24530	116	16	per	per	ADP
fbem-24530	116	17	cent	cent	NOUN
fbem-24530	116	18	32.20	32.20	NUM
fbem-24530	116	19	per	per	ADP
fbem-24530	116	20	cent	cent	NOUN
fbem-24530	116	21	23	23	NUM
fbem-24530	116	22	.	.	PUNCT
fbem-24530	117	1	(	(	PUNCT
fbem-24530	117	2	digital	digital	ADJ
fbem-24530	117	3	technology	technology	NOUN
fbem-24530	117	4	to	to	PART
fbem-24530	117	5	be	be	AUX
fbem-24530	117	6	improved	improve	VERB
fbem-24530	117	7	,	,	PUNCT
fbem-24530	117	8	coverage	coverage	NOUN
fbem-24530	117	9	not	not	PART
fbem-24530	117	10	available	available	ADJ
fbem-24530	117	11	)	)	PUNCT
fbem-24530	117	12	206	206	NUM
fbem-24530	117	13	24.91	24.91	NUM
fbem-24530	117	14	per	per	ADP
fbem-24530	117	15	cent	cent	NOUN
fbem-24530	117	16	78.03	78.03	NUM
fbem-24530	117	17	per	per	ADP
fbem-24530	117	18	cent	cent	NOUN
fbem-24530	117	19	23	23	NUM
fbem-24530	117	20	.	.	PUNCT
fbem-24530	118	1	(	(	PUNCT
fbem-24530	118	2	inadequate	inadequate	ADJ
fbem-24530	118	3	personalisation	personalisation	NOUN
fbem-24530	118	4	)	)	PUNCT
fbem-24530	118	5	150	150	NUM
fbem-24530	118	6	18.14	18.14	NUM
fbem-24530	118	7	per	per	ADP
fbem-24530	118	8	cent	cent	NOUN
fbem-24530	118	9	56.82	56.82	NUM
fbem-24530	118	10	per	per	ADP
fbem-24530	118	11	cent	cent	NOUN
fbem-24530	118	12	23	23	NUM
fbem-24530	118	13	.	.	PUNCT
fbem-24530	119	1	(	(	PUNCT
fbem-24530	119	2	the	the	DET
fbem-24530	119	3	legal	legal	ADJ
fbem-24530	119	4	environment	environment	NOUN
fbem-24530	119	5	needs	need	VERB
fbem-24530	119	6	to	to	PART
fbem-24530	119	7	be	be	AUX
fbem-24530	119	8	improved	improve	VERB
fbem-24530	119	9	)	)	PUNCT
fbem-24530	119	10	202	202	NUM
fbem-24530	119	11	24.43	24.43	NUM
fbem-24530	119	12	per	per	ADP
fbem-24530	119	13	cent	cent	NOUN
fbem-24530	119	14	76.52	76.52	NUM
fbem-24530	119	15	per	per	ADP
fbem-24530	119	16	cent	cent	NOUN
fbem-24530	119	17	23	23	NUM
fbem-24530	119	18	.	.	PUNCT
fbem-24530	120	1	(	(	PUNCT
fbem-24530	120	2	safety	safety	NOUN
fbem-24530	120	3	and	and	CCONJ
fbem-24530	120	4	security	security	NOUN
fbem-24530	120	5	mechanisms	mechanism	NOUN
fbem-24530	120	6	need	need	VERB
fbem-24530	120	7	to	to	PART
fbem-24530	120	8	be	be	AUX
fbem-24530	120	9	improved	improve	VERB
fbem-24530	120	10	and	and	CCONJ
fbem-24530	120	11	regulatory	regulatory	ADJ
fbem-24530	120	12	policies	policy	NOUN
fbem-24530	120	13	need	need	VERB
fbem-24530	120	14	to	to	PART
fbem-24530	120	15	be	be	AUX
fbem-24530	120	16	improved	improve	VERB
fbem-24530	120	17	)	)	PUNCT
fbem-24530	120	18	179	179	NUM
fbem-24530	120	19	21.64	21.64	NUM
fbem-24530	120	20	per	per	ADP
fbem-24530	120	21	cent	cent	NOUN
fbem-24530	120	22	67.80	67.80	NUM
fbem-24530	120	23	per	per	ADP
fbem-24530	120	24	cent	cent	NOUN
fbem-24530	120	25	23	23	NUM
fbem-24530	120	26	.	.	PUNCT
fbem-24530	121	1	(	(	PUNCT
fbem-24530	121	2	other	other	ADJ
fbem-24530	121	3	)	)	PUNCT
fbem-24530	121	4	5	5	NUM
fbem-24530	121	5	0.60	0.60	NUM
fbem-24530	121	6	per	per	ADP
fbem-24530	121	7	cent	cent	NOUN
fbem-24530	121	8	1.89	1.89	NUM
fbem-24530	121	9	per	per	ADP
fbem-24530	121	10	cent	cent	NOUN
fbem-24530	121	11	aggregation	aggregation	NOUN
fbem-24530	121	12	827	827	NUM
fbem-24530	121	13	100	100	NUM
fbem-24530	121	14	%	%	NOUN
fbem-24530	121	15	313.26	313.26	NUM
fbem-24530	121	16	per	per	ADP
fbem-24530	121	17	cent	cent	NOUN
fbem-24530	121	18	goodness	goodness	NOUN
fbem-24530	121	19	of	of	ADP
fbem-24530	121	20	fit	fit	ADJ
fbem-24530	121	21	test	test	NOUN
fbem-24530	121	22	:	:	PUNCT
fbem-24530	122	1	χ2	χ2	NOUN
fbem-24530	122	2	=	=	SYM
fbem-24530	122	3	225.220	225.220	NUM
fbem-24530	122	4	p=0.000	p=0.000	NUM
fbem-24530	122	5	4	4	NUM
fbem-24530	122	6	.	.	PUNCT
fbem-24530	122	7	results	result	NOUN
fbem-24530	122	8	(	(	PUNCT
fbem-24530	122	9	1	1	X
fbem-24530	122	10	)	)	PUNCT
fbem-24530	122	11	college	college	NOUN
fbem-24530	122	12	students	student	NOUN
fbem-24530	122	13	generally	generally	ADV
fbem-24530	122	14	have	have	VERB
fbem-24530	122	15	a	a	DET
fbem-24530	122	16	high	high	ADJ
fbem-24530	122	17	level	level	NOUN
fbem-24530	122	18	of	of	ADP
fbem-24530	122	19	awareness	awareness	NOUN
fbem-24530	122	20	of	of	ADP
fbem-24530	122	21	digital	digital	ADJ
fbem-24530	122	22	financial	financial	ADJ
fbem-24530	122	23	inclusion	inclusion	NOUN
fbem-24530	122	24	,	,	PUNCT
fbem-24530	122	25	but	but	CCONJ
fbem-24530	122	26	the	the	DET
fbem-24530	122	27	actual	actual	ADJ
fbem-24530	122	28	usage	usage	NOUN
fbem-24530	122	29	rate	rate	NOUN
fbem-24530	122	30	still	still	ADV
fbem-24530	122	31	needs	need	VERB
fbem-24530	122	32	to	to	PART
fbem-24530	122	33	be	be	AUX
fbem-24530	122	34	improved	improve	VERB
fbem-24530	122	35	;	;	PUNCT
fbem-24530	122	36	(	(	PUNCT
fbem-24530	122	37	2	2	X
fbem-24530	122	38	)	)	PUNCT
fbem-24530	122	39	the	the	DET
fbem-24530	122	40	main	main	ADJ
fbem-24530	122	41	factors	factor	NOUN
fbem-24530	122	42	affecting	affect	VERB
fbem-24530	122	43	college	college	NOUN
fbem-24530	122	44	students	student	NOUN
fbem-24530	122	45	'	'	PART
fbem-24530	122	46	use	use	NOUN
fbem-24530	122	47	of	of	ADP
fbem-24530	122	48	digital	digital	ADJ
fbem-24530	122	49	financial	financial	ADJ
fbem-24530	122	50	inclusion	inclusion	NOUN
fbem-24530	122	51	include	include	VERB
fbem-24530	122	52	:	:	PUNCT
fbem-24530	122	53	level	level	NOUN
fbem-24530	122	54	of	of	ADP
fbem-24530	122	55	awareness	awareness	NOUN
fbem-24530	122	56	,	,	PUNCT
fbem-24530	122	57	level	level	NOUN
fbem-24530	122	58	of	of	ADP
fbem-24530	122	59	financial	financial	ADJ
fbem-24530	122	60	knowledge	knowledge	NOUN
fbem-24530	122	61	,	,	PUNCT
fbem-24530	122	62	ease	ease	NOUN
fbem-24530	122	63	of	of	ADP
fbem-24530	122	64	use	use	NOUN
fbem-24530	122	65	,	,	PUNCT
fbem-24530	122	66	and	and	CCONJ
fbem-24530	122	67	security	security	NOUN
fbem-24530	122	68	;	;	PUNCT
fbem-24530	122	69	(	(	PUNCT
fbem-24530	122	70	3	3	X
fbem-24530	122	71	)	)	PUNCT
fbem-24530	122	72	the	the	DET
fbem-24530	122	73	main	main	ADJ
fbem-24530	122	74	usage	usage	NOUN
fbem-24530	122	75	scenarios	scenario	NOUN
fbem-24530	122	76	of	of	ADP
fbem-24530	122	77	digital	digital	ADJ
fbem-24530	122	78	financial	financial	ADJ
fbem-24530	122	79	inclusion	inclusion	NOUN
fbem-24530	122	80	by	by	ADP
fbem-24530	122	81	university	university	NOUN
fbem-24530	122	82	students	student	NOUN
fbem-24530	122	83	include	include	VERB
fbem-24530	122	84	:	:	PUNCT
fbem-24530	122	85	online	online	ADJ
fbem-24530	122	86	payment	payment	NOUN
fbem-24530	122	87	,	,	PUNCT
fbem-24530	122	88	wealth	wealth	NOUN
fbem-24530	122	89	management	management	NOUN
fbem-24530	122	90	and	and	CCONJ
fbem-24530	122	91	money	money	NOUN
fbem-24530	122	92	transfer	transfer	NOUN
fbem-24530	122	93	.	.	PUNCT
fbem-24530	123	1	5	5	X
fbem-24530	123	2	.	.	X
fbem-24530	123	3	discussion	discussion	NOUN
fbem-24530	123	4	and	and	CCONJ
fbem-24530	123	5	recommendations	recommendation	NOUN
fbem-24530	123	6	(	(	PUNCT
fbem-24530	123	7	1	1	X
fbem-24530	123	8	)	)	PUNCT
fbem-24530	123	9	raising	raise	VERB
fbem-24530	123	10	the	the	DET
fbem-24530	123	11	level	level	NOUN
fbem-24530	123	12	of	of	ADP
fbem-24530	123	13	awareness	awareness	NOUN
fbem-24530	123	14	of	of	ADP
fbem-24530	123	15	digital	digital	ADJ
fbem-24530	123	16	financial	financial	ADJ
fbem-24530	123	17	inclusion	inclusion	NOUN
fbem-24530	123	18	among	among	ADP
fbem-24530	123	19	university	university	NOUN
fbem-24530	123	20	students	student	NOUN
fbem-24530	123	21	and	and	CCONJ
fbem-24530	123	22	strengthening	strengthen	VERB
fbem-24530	123	23	related	related	ADJ
fbem-24530	123	24	education	education	NOUN
fbem-24530	123	25	and	and	CCONJ
fbem-24530	123	26	training	training	NOUN
fbem-24530	123	27	;	;	PUNCT
fbem-24530	123	28	(	(	PUNCT
fbem-24530	123	29	2	2	X
fbem-24530	123	30	)	)	PUNCT
fbem-24530	123	31	improve	improve	VERB
fbem-24530	123	32	the	the	DET
fbem-24530	123	33	digital	digital	ADJ
fbem-24530	123	34	inclusive	inclusive	ADJ
fbem-24530	123	35	financial	financial	ADJ
fbem-24530	123	36	service	service	NOUN
fbem-24530	123	37	system	system	NOUN
fbem-24530	123	38	and	and	CCONJ
fbem-24530	123	39	enhance	enhance	VERB
fbem-24530	123	40	user	user	NOUN
fbem-24530	123	41	experience	experience	NOUN
fbem-24530	123	42	and	and	CCONJ
fbem-24530	123	43	security	security	NOUN
fbem-24530	123	44	;	;	PUNCT
fbem-24530	123	45	(	(	PUNCT
fbem-24530	123	46	3	3	X
fbem-24530	123	47	)	)	PUNCT
fbem-24530	123	48	strengthening	strengthen	VERB
fbem-24530	123	49	the	the	DET
fbem-24530	123	50	promotion	promotion	NOUN
fbem-24530	123	51	of	of	ADP
fbem-24530	123	52	digital	digital	ADJ
fbem-24530	123	53	inclusive	inclusive	ADJ
fbem-24530	123	54	financial	financial	ADJ
fbem-24530	123	55	products	product	NOUN
fbem-24530	123	56	and	and	CCONJ
fbem-24530	123	57	guiding	guide	VERB
fbem-24530	123	58	university	university	NOUN
fbem-24530	123	59	students	student	NOUN
fbem-24530	123	60	to	to	PART
fbem-24530	123	61	use	use	VERB
fbem-24530	123	62	digital	digital	ADJ
fbem-24530	123	63	financial	financial	ADJ
fbem-24530	123	64	services	service	NOUN
fbem-24530	123	65	more	more	ADV
fbem-24530	123	66	conveniently	conveniently	ADV
fbem-24530	123	67	.	.	PUNCT
fbem-24530	124	1	6	6	X
fbem-24530	124	2	.	.	X
fbem-24530	124	3	conclusion	conclusion	VERB
fbem-24530	124	4	the	the	DET
fbem-24530	124	5	use	use	NOUN
fbem-24530	124	6	of	of	ADP
fbem-24530	124	7	digital	digital	ADJ
fbem-24530	124	8	financial	financial	ADJ
fbem-24530	124	9	inclusion	inclusion	NOUN
fbem-24530	124	10	among	among	ADP
fbem-24530	124	11	university	university	NOUN
fbem-24530	124	12	students	student	NOUN
fbem-24530	124	13	in	in	ADP
fbem-24530	124	14	guangzhou	guangzhou	PROPN
fbem-24530	124	15	is	be	AUX
fbem-24530	124	16	affected	affect	VERB
fbem-24530	124	17	by	by	ADP
fbem-24530	124	18	a	a	DET
fbem-24530	124	19	variety	variety	NOUN
fbem-24530	124	20	of	of	ADP
fbem-24530	124	21	factors	factor	NOUN
fbem-24530	124	22	,	,	PUNCT
fbem-24530	124	23	and	and	CCONJ
fbem-24530	124	24	increasing	increase	VERB
fbem-24530	124	25	the	the	DET
fbem-24530	124	26	use	use	NOUN
fbem-24530	124	27	of	of	ADP
fbem-24530	124	28	digital	digital	ADJ
fbem-24530	124	29	financial	financial	ADJ
fbem-24530	124	30	inclusion	inclusion	NOUN
fbem-24530	124	31	among	among	ADP
fbem-24530	124	32	university	university	NOUN
fbem-24530	124	33	students	student	NOUN
fbem-24530	124	34	requires	require	VERB
fbem-24530	124	35	comprehensive	comprehensive	ADJ
fbem-24530	124	36	consideration	consideration	NOUN
fbem-24530	124	37	of	of	ADP
fbem-24530	124	38	factors	factor	NOUN
fbem-24530	124	39	such	such	ADJ
fbem-24530	124	40	as	as	ADP
fbem-24530	124	41	education	education	NOUN
fbem-24530	124	42	,	,	PUNCT
fbem-24530	124	43	technology	technology	NOUN
fbem-24530	124	44	and	and	CCONJ
fbem-24530	124	45	services	service	NOUN
fbem-24530	124	46	,	,	PUNCT
fbem-24530	124	47	as	as	ADV
fbem-24530	124	48	well	well	ADV
fbem-24530	124	49	as	as	ADP
fbem-24530	124	50	6	6	NUM
fbem-24530	124	51	the	the	DET
fbem-24530	124	52	adoption	adoption	NOUN
fbem-24530	124	53	of	of	ADP
fbem-24530	124	54	appropriate	appropriate	ADJ
fbem-24530	124	55	strategies	strategy	NOUN
fbem-24530	124	56	and	and	CCONJ
fbem-24530	124	57	measures	measure	NOUN
fbem-24530	124	58	.	.	PUNCT
fbem-24530	125	1	future	future	ADJ
fbem-24530	125	2	research	research	NOUN
fbem-24530	125	3	can	can	AUX
fbem-24530	125	4	further	far	ADV
fbem-24530	125	5	explore	explore	VERB
fbem-24530	125	6	the	the	DET
fbem-24530	125	7	effects	effect	NOUN
fbem-24530	125	8	and	and	CCONJ
fbem-24530	125	9	influencing	influence	VERB
fbem-24530	125	10	factors	factor	NOUN
fbem-24530	125	11	of	of	ADP
fbem-24530	125	12	the	the	DET
fbem-24530	125	13	application	application	NOUN
fbem-24530	125	14	of	of	ADP
fbem-24530	125	15	digital	digital	ADJ
fbem-24530	125	16	inclusive	inclusive	ADJ
fbem-24530	125	17	finance	finance	NOUN
fbem-24530	125	18	in	in	ADP
fbem-24530	125	19	the	the	DET
fbem-24530	125	20	college	college	NOUN
fbem-24530	125	21	student	student	NOUN
fbem-24530	125	22	population	population	NOUN
fbem-24530	125	23	.	.	PUNCT
fbem-24530	126	1	references	reference	NOUN
fbem-24530	126	2	[	[	X
fbem-24530	126	3	1	1	NUM
fbem-24530	126	4	]	]	PUNCT
fbem-24530	126	5	world	world	PROPN
fbem-24530	126	6	bank	bank	PROPN
fbem-24530	126	7	group	group	NOUN
fbem-24530	126	8	.	.	PUNCT
fbem-24530	127	1	(	(	PUNCT
fbem-24530	127	2	2018	2018	NUM
fbem-24530	127	3	)	)	PUNCT
fbem-24530	127	4	.	.	PUNCT
fbem-24530	128	1	digital	digital	ADJ
fbem-24530	128	2	financial	financial	ADJ
fbem-24530	128	3	inclusion	inclusion	NOUN
fbem-24530	128	4	:	:	PUNCT
fbem-24530	128	5	definitions	definition	NOUN
fbem-24530	128	6	,	,	PUNCT
fbem-24530	128	7	frameworks	framework	NOUN
fbem-24530	128	8	,	,	PUNCT
fbem-24530	128	9	and	and	CCONJ
fbem-24530	128	10	metrics	metric	NOUN
fbem-24530	128	11	.	.	PUNCT
fbem-24530	129	1	[	[	X
fbem-24530	129	2	2	2	NUM
fbem-24530	129	3	]	]	SYM
fbem-24530	129	4	allen	allen	PROPN
fbem-24530	129	5	,	,	PUNCT
fbem-24530	129	6	f.	f.	PROPN
fbem-24530	129	7	,	,	PUNCT
fbem-24530	129	8	demirgüç	demirgüç	PROPN
fbem-24530	129	9	-	-	PUNCT
fbem-24530	129	10	kunt	kunt	PROPN
fbem-24530	129	11	,	,	PUNCT
fbem-24530	129	12	a.	a.	PROPN
fbem-24530	129	13	,	,	PUNCT
fbem-24530	129	14	klapper	klapper	PROPN
fbem-24530	129	15	,	,	PUNCT
fbem-24530	129	16	l.	l.	PROPN
fbem-24530	129	17	,	,	PUNCT
fbem-24530	129	18	&	&	CCONJ
fbem-24530	129	19	amp	amp	PROPN
fbem-24530	129	20	;	;	PUNCT
fbem-24530	129	21	peria	peria	PROPN
fbem-24530	129	22	,	,	PUNCT
fbem-24530	129	23	m.	m.	NOUN
fbem-24530	129	24	s.	s.	PROPN
fbem-24530	129	25	m.	m.	PROPN
fbem-24530	129	26	(	(	PUNCT
fbem-24530	129	27	2016	2016	NUM
fbem-24530	129	28	)	)	PUNCT
fbem-24530	129	29	.	.	PUNCT
fbem-24530	130	1	the	the	DET
fbem-24530	130	2	foundations	foundation	NOUN
fbem-24530	130	3	of	of	ADP
fbem-24530	130	4	financial	financial	ADJ
fbem-24530	130	5	inclusion	inclusion	NOUN
fbem-24530	130	6	:	:	PUNCT
fbem-24530	130	7	understanding	understand	VERB
fbem-24530	130	8	ownership	ownership	NOUN
fbem-24530	130	9	and	and	CCONJ
fbem-24530	130	10	use	use	NOUN
fbem-24530	130	11	of	of	ADP
fbem-24530	130	12	formal	formal	ADJ
fbem-24530	130	13	accounts	account	NOUN
fbem-24530	130	14	.	.	PUNCT
fbem-24530	131	1	journal	journal	NOUN
fbem-24530	131	2	of	of	ADP
fbem-24530	131	3	financial	financial	ADJ
fbem-24530	131	4	intermediation	intermediation	NOUN
fbem-24530	131	5	,	,	PUNCT
fbem-24530	131	6	27	27	NUM
fbem-24530	131	7	,	,	PUNCT
fbem-24530	131	8	1	1	NUM
fbem-24530	131	9	-	-	SYM
fbem-24530	131	10	30	30	NUM
fbem-24530	131	11	.	.	PUNCT
fbem-24530	132	1	[	[	X
fbem-24530	132	2	3	3	NUM
fbem-24530	132	3	]	]	X
fbem-24530	132	4	liu	liu	PROPN
fbem-24530	132	5	,	,	PUNCT
fbem-24530	132	6	z.	z.	PROPN
fbem-24530	132	7	,	,	PUNCT
fbem-24530	132	8	&	&	CCONJ
fbem-24530	132	9	amp	amp	PROPN
fbem-24530	132	10	;	;	PUNCT
fbem-24530	132	11	sun	sun	NOUN
fbem-24530	132	12	,	,	PUNCT
fbem-24530	132	13	h.	h.	PROPN
fbem-24530	132	14	(	(	PUNCT
fbem-24530	132	15	2019	2019	NUM
fbem-24530	132	16	)	)	PUNCT
fbem-24530	132	17	.	.	PUNCT
fbem-24530	133	1	a	a	DET
fbem-24530	133	2	study	study	NOUN
fbem-24530	133	3	on	on	ADP
fbem-24530	133	4	the	the	DET
fbem-24530	133	5	factors	factor	NOUN
fbem-24530	133	6	influencing	influence	VERB
fbem-24530	133	7	the	the	DET
fbem-24530	133	8	adoption	adoption	NOUN
fbem-24530	133	9	of	of	ADP
fbem-24530	133	10	mobile	mobile	ADJ
fbem-24530	133	11	financial	financial	ADJ
fbem-24530	133	12	services	service	NOUN
fbem-24530	133	13	by	by	ADP
fbem-24530	133	14	chinese	chinese	ADJ
fbem-24530	133	15	college	college	NOUN
fbem-24530	133	16	students	student	NOUN
fbem-24530	133	17	:	:	PUNCT
fbem-24530	133	18	based	base	VERB
fbem-24530	133	19	on	on	ADP
fbem-24530	133	20	an	an	DET
fbem-24530	133	21	extended	extended	ADJ
fbem-24530	133	22	tam	tam	NOUN
fbem-24530	133	23	with	with	ADP
fbem-24530	133	24	trust	trust	NOUN
fbem-24530	133	25	.	.	PUNCT
fbem-24530	134	1	sustainability	sustainability	NOUN
fbem-24530	134	2	,	,	PUNCT
fbem-24530	134	3	11(8	11(8	NUM
fbem-24530	134	4	)	)	PUNCT
fbem-24530	134	5	,	,	PUNCT
fbem-24530	134	6	2361	2361	NUM
fbem-24530	134	7	.	.	PUNCT