id	sid	tid	token	lemma	pos
fbem-29337	1	1	frontiers	frontier	NOUN
fbem-29337	1	2	in	in	ADP
fbem-29337	1	3	business	business	NOUN
fbem-29337	1	4	,	,	PUNCT
fbem-29337	1	5	economics	economic	NOUN
fbem-29337	1	6	and	and	CCONJ
fbem-29337	1	7	management	management	NOUN
fbem-29337	1	8	issn	issn	PROPN
fbem-29337	1	9	:	:	PUNCT
fbem-29337	1	10	2766	2766	NUM
fbem-29337	1	11	-	-	PUNCT
fbem-29337	1	12	824x	824x	NUM
fbem-29337	1	13	|	|	ADJ
fbem-29337	1	14	vol	vol	NOUN
fbem-29337	1	15	.	.	PROPN
fbem-29337	1	16	18	18	NUM
fbem-29337	1	17	,	,	PUNCT
fbem-29337	1	18	no	no	INTJ
fbem-29337	1	19	.	.	NOUN
fbem-29337	1	20	1	1	NUM
fbem-29337	1	21	,	,	PUNCT
fbem-29337	1	22	2025	2025	NUM
fbem-29337	1	23	197	197	NUM
fbem-29337	1	24	the	the	DET
fbem-29337	1	25	positive	positive	ADJ
fbem-29337	1	26	impact	impact	NOUN
fbem-29337	1	27	of	of	ADP
fbem-29337	1	28	digital	digital	ADJ
fbem-29337	1	29	financial	financial	ADJ
fbem-29337	1	30	inclusion	inclusion	NOUN
fbem-29337	1	31	on	on	ADP
fbem-29337	1	32	household	household	NOUN
fbem-29337	1	33	consumption	consumption	NOUN
fbem-29337	1	34	weiye	weiye	PROPN
fbem-29337	1	35	li	li	PROPN
fbem-29337	1	36	university	university	PROPN
fbem-29337	1	37	of	of	ADP
fbem-29337	1	38	alberta	alberta	PROPN
fbem-29337	1	39	,	,	PUNCT
fbem-29337	1	40	edmonton	edmonton	PROPN
fbem-29337	1	41	,	,	PUNCT
fbem-29337	1	42	alberta	alberta	PROPN
fbem-29337	1	43	,	,	PUNCT
fbem-29337	1	44	t6	t6	PROPN
fbem-29337	1	45	g	g	PROPN
fbem-29337	1	46	1h7	1h7	NUM
fbem-29337	1	47	,	,	PUNCT
fbem-29337	1	48	canada	canada	PROPN
fbem-29337	1	49	andy108223308@gmail.com	andy108223308@gmail.com	X
fbem-29337	2	1	abstract	abstract	ADJ
fbem-29337	2	2	:	:	PUNCT
fbem-29337	2	3	this	this	DET
fbem-29337	2	4	study	study	NOUN
fbem-29337	2	5	investigates	investigate	VERB
fbem-29337	2	6	the	the	DET
fbem-29337	2	7	transformative	transformative	ADJ
fbem-29337	2	8	role	role	NOUN
fbem-29337	2	9	of	of	ADP
fbem-29337	2	10	digital	digital	ADJ
fbem-29337	2	11	financial	financial	ADJ
fbem-29337	2	12	inclusion	inclusion	NOUN
fbem-29337	2	13	(	(	PUNCT
fbem-29337	2	14	dfi	dfi	PROPN
fbem-29337	2	15	)	)	PUNCT
fbem-29337	2	16	in	in	ADP
fbem-29337	2	17	driving	drive	VERB
fbem-29337	2	18	household	household	NOUN
fbem-29337	2	19	consumption	consumption	NOUN
fbem-29337	2	20	in	in	ADP
fbem-29337	2	21	china	china	PROPN
fbem-29337	2	22	.	.	PUNCT
fbem-29337	3	1	by	by	ADP
fbem-29337	3	2	utilizing	utilize	VERB
fbem-29337	3	3	data	datum	NOUN
fbem-29337	3	4	from	from	ADP
fbem-29337	3	5	the	the	DET
fbem-29337	3	6	china	china	PROPN
fbem-29337	3	7	household	household	PROPN
fbem-29337	3	8	finance	finance	NOUN
fbem-29337	3	9	survey	survey	NOUN
fbem-29337	3	10	(	(	PUNCT
fbem-29337	3	11	chfs	chfs	PROPN
fbem-29337	3	12	)	)	PUNCT
fbem-29337	3	13	and	and	CCONJ
fbem-29337	3	14	the	the	DET
fbem-29337	3	15	peking	peking	PROPN
fbem-29337	3	16	university	university	NOUN
fbem-29337	3	17	digital	digital	ADJ
fbem-29337	3	18	financial	financial	ADJ
fbem-29337	3	19	inclusion	inclusion	NOUN
fbem-29337	3	20	index	index	NOUN
fbem-29337	3	21	,	,	PUNCT
fbem-29337	3	22	the	the	DET
fbem-29337	3	23	paper	paper	NOUN
fbem-29337	3	24	examines	examine	VERB
fbem-29337	3	25	the	the	DET
fbem-29337	3	26	mechanisms	mechanism	NOUN
fbem-29337	3	27	through	through	ADP
fbem-29337	3	28	which	which	PRON
fbem-29337	3	29	dfi	dfi	PROPN
fbem-29337	3	30	alleviates	alleviate	VERB
fbem-29337	3	31	liquidity	liquidity	NOUN
fbem-29337	3	32	constraints	constraint	NOUN
fbem-29337	3	33	,	,	PUNCT
fbem-29337	3	34	expands	expand	VERB
fbem-29337	3	35	financial	financial	ADJ
fbem-29337	3	36	access	access	NOUN
fbem-29337	3	37	,	,	PUNCT
fbem-29337	3	38	and	and	CCONJ
fbem-29337	3	39	promotes	promote	VERB
fbem-29337	3	40	economic	economic	ADJ
fbem-29337	3	41	participation	participation	NOUN
fbem-29337	3	42	.	.	PUNCT
fbem-29337	4	1	key	key	ADJ
fbem-29337	4	2	findings	finding	NOUN
fbem-29337	4	3	demonstrate	demonstrate	VERB
fbem-29337	4	4	that	that	SCONJ
fbem-29337	4	5	dfi	dfi	PROPN
fbem-29337	4	6	significantly	significantly	ADV
fbem-29337	4	7	enhances	enhance	VERB
fbem-29337	4	8	household	household	NOUN
fbem-29337	4	9	consumption	consumption	NOUN
fbem-29337	4	10	,	,	PUNCT
fbem-29337	4	11	with	with	ADP
fbem-29337	4	12	notable	notable	ADJ
fbem-29337	4	13	heterogeneities	heterogeneity	NOUN
fbem-29337	4	14	across	across	ADP
fbem-29337	4	15	income	income	NOUN
fbem-29337	4	16	levels	level	NOUN
fbem-29337	4	17	and	and	CCONJ
fbem-29337	4	18	regions	region	NOUN
fbem-29337	4	19	.	.	PUNCT
fbem-29337	5	1	furthermore	furthermore	ADV
fbem-29337	5	2	,	,	PUNCT
fbem-29337	5	3	the	the	DET
fbem-29337	5	4	analysis	analysis	NOUN
fbem-29337	5	5	highlights	highlight	NOUN
fbem-29337	5	6	dfi	dfi	PROPN
fbem-29337	5	7	’s	’s	PART
fbem-29337	5	8	role	role	NOUN
fbem-29337	5	9	in	in	ADP
fbem-29337	5	10	poverty	poverty	NOUN
fbem-29337	5	11	alleviation	alleviation	NOUN
fbem-29337	5	12	,	,	PUNCT
fbem-29337	5	13	reducing	reduce	VERB
fbem-29337	5	14	urban	urban	ADJ
fbem-29337	5	15	-	-	PUNCT
fbem-29337	5	16	rural	rural	ADJ
fbem-29337	5	17	divides	divide	NOUN
fbem-29337	5	18	,	,	PUNCT
fbem-29337	5	19	and	and	CCONJ
fbem-29337	5	20	facilitating	facilitate	VERB
fbem-29337	5	21	entrepreneurial	entrepreneurial	ADJ
fbem-29337	5	22	activities	activity	NOUN
fbem-29337	5	23	.	.	PUNCT
fbem-29337	6	1	keywords	keyword	NOUN
fbem-29337	6	2	:	:	PUNCT
fbem-29337	6	3	digital	digital	ADJ
fbem-29337	6	4	financial	financial	ADJ
fbem-29337	6	5	inclusion	inclusion	NOUN
fbem-29337	6	6	,	,	PUNCT
fbem-29337	6	7	household	household	NOUN
fbem-29337	6	8	consumption	consumption	NOUN
fbem-29337	6	9	,	,	PUNCT
fbem-29337	6	10	liquidity	liquidity	NOUN
fbem-29337	6	11	constraints	constraint	NOUN
fbem-29337	6	12	,	,	PUNCT
fbem-29337	6	13	inclusive	inclusive	ADJ
fbem-29337	6	14	growth	growth	NOUN
fbem-29337	6	15	,	,	PUNCT
fbem-29337	6	16	china	china	PROPN
fbem-29337	6	17	,	,	PUNCT
fbem-29337	6	18	econometric	econometric	ADJ
fbem-29337	6	19	analysis	analysis	NOUN
fbem-29337	6	20	.	.	PUNCT
fbem-29337	7	1	1	1	X
fbem-29337	7	2	.	.	X
fbem-29337	7	3	introduction	introduction	NOUN
fbem-29337	7	4	digital	digital	ADJ
fbem-29337	7	5	financial	financial	ADJ
fbem-29337	7	6	inclusion	inclusion	NOUN
fbem-29337	7	7	(	(	PUNCT
fbem-29337	7	8	dfi	dfi	PROPN
fbem-29337	7	9	)	)	PUNCT
fbem-29337	7	10	has	have	AUX
fbem-29337	7	11	emerged	emerge	VERB
fbem-29337	7	12	as	as	ADP
fbem-29337	7	13	a	a	DET
fbem-29337	7	14	cornerstone	cornerstone	NOUN
fbem-29337	7	15	of	of	ADP
fbem-29337	7	16	modern	modern	ADJ
fbem-29337	7	17	economic	economic	ADJ
fbem-29337	7	18	development	development	NOUN
fbem-29337	7	19	,	,	PUNCT
fbem-29337	7	20	leveraging	leverage	VERB
fbem-29337	7	21	technological	technological	ADJ
fbem-29337	7	22	advancements	advancement	NOUN
fbem-29337	7	23	to	to	PART
fbem-29337	7	24	bridge	bridge	VERB
fbem-29337	7	25	gaps	gap	NOUN
fbem-29337	7	26	in	in	ADP
fbem-29337	7	27	traditional	traditional	ADJ
fbem-29337	7	28	financial	financial	ADJ
fbem-29337	7	29	systems	system	NOUN
fbem-29337	7	30	.	.	PUNCT
fbem-29337	8	1	by	by	ADP
fbem-29337	8	2	integrating	integrate	VERB
fbem-29337	8	3	underserved	underserved	ADJ
fbem-29337	8	4	populations	population	NOUN
fbem-29337	8	5	into	into	ADP
fbem-29337	8	6	the	the	DET
fbem-29337	8	7	financial	financial	ADJ
fbem-29337	8	8	ecosystem	ecosystem	NOUN
fbem-29337	8	9	,	,	PUNCT
fbem-29337	8	10	dfi	dfi	PROPN
fbem-29337	8	11	not	not	PART
fbem-29337	8	12	only	only	ADV
fbem-29337	8	13	empowers	empower	VERB
fbem-29337	8	14	individuals	individual	NOUN
fbem-29337	8	15	but	but	CCONJ
fbem-29337	8	16	also	also	ADV
fbem-29337	8	17	stimulates	stimulate	VERB
fbem-29337	8	18	broader	broad	ADJ
fbem-29337	8	19	economic	economic	ADJ
fbem-29337	8	20	activity	activity	NOUN
fbem-29337	8	21	.	.	PUNCT
fbem-29337	9	1	in	in	ADP
fbem-29337	9	2	china	china	PROPN
fbem-29337	9	3	,	,	PUNCT
fbem-29337	9	4	where	where	SCONJ
fbem-29337	9	5	regional	regional	ADJ
fbem-29337	9	6	and	and	CCONJ
fbem-29337	9	7	income	income	NOUN
fbem-29337	9	8	disparities	disparity	NOUN
fbem-29337	9	9	have	have	AUX
fbem-29337	9	10	historically	historically	ADV
fbem-29337	9	11	created	create	VERB
fbem-29337	9	12	barriers	barrier	NOUN
fbem-29337	9	13	to	to	ADP
fbem-29337	9	14	financial	financial	ADJ
fbem-29337	9	15	inclusion	inclusion	NOUN
fbem-29337	9	16	,	,	PUNCT
fbem-29337	9	17	dfi	dfi	PROPN
fbem-29337	9	18	has	have	AUX
fbem-29337	9	19	gained	gain	VERB
fbem-29337	9	20	particular	particular	ADJ
fbem-29337	9	21	prominence	prominence	NOUN
fbem-29337	9	22	.	.	PUNCT
fbem-29337	10	1	with	with	ADP
fbem-29337	10	2	innovations	innovation	NOUN
fbem-29337	10	3	such	such	ADJ
fbem-29337	10	4	as	as	ADP
fbem-29337	10	5	mobile	mobile	ADJ
fbem-29337	10	6	payment	payment	NOUN
fbem-29337	10	7	systems	system	NOUN
fbem-29337	10	8	,	,	PUNCT
fbem-29337	10	9	online	online	ADJ
fbem-29337	10	10	lending	lending	NOUN
fbem-29337	10	11	platforms	platform	NOUN
fbem-29337	10	12	,	,	PUNCT
fbem-29337	10	13	and	and	CCONJ
fbem-29337	10	14	digital	digital	ADJ
fbem-29337	10	15	savings	saving	NOUN
fbem-29337	10	16	tools	tool	NOUN
fbem-29337	10	17	,	,	PUNCT
fbem-29337	10	18	the	the	DET
fbem-29337	10	19	chinese	chinese	ADJ
fbem-29337	10	20	government	government	NOUN
fbem-29337	10	21	and	and	CCONJ
fbem-29337	10	22	private	private	ADJ
fbem-29337	10	23	sector	sector	NOUN
fbem-29337	10	24	have	have	AUX
fbem-29337	10	25	revolutionized	revolutionize	VERB
fbem-29337	10	26	access	access	NOUN
fbem-29337	10	27	to	to	ADP
fbem-29337	10	28	financial	financial	ADJ
fbem-29337	10	29	services	service	NOUN
fbem-29337	10	30	.	.	PUNCT
fbem-29337	11	1	this	this	DET
fbem-29337	11	2	study	study	NOUN
fbem-29337	11	3	explores	explore	VERB
fbem-29337	11	4	how	how	SCONJ
fbem-29337	11	5	dfi	dfi	PROPN
fbem-29337	11	6	affects	affect	VERB
fbem-29337	11	7	household	household	NOUN
fbem-29337	11	8	consumption	consumption	NOUN
fbem-29337	11	9	,	,	PUNCT
fbem-29337	11	10	focusing	focus	VERB
fbem-29337	11	11	on	on	ADP
fbem-29337	11	12	how	how	SCONJ
fbem-29337	11	13	these	these	DET
fbem-29337	11	14	services	service	NOUN
fbem-29337	11	15	alleviate	alleviate	VERB
fbem-29337	11	16	liquidity	liquidity	NOUN
fbem-29337	11	17	constraints	constraint	NOUN
fbem-29337	11	18	,	,	PUNCT
fbem-29337	11	19	foster	foster	ADJ
fbem-29337	11	20	intertemporal	intertemporal	ADJ
fbem-29337	11	21	consumption	consumption	NOUN
fbem-29337	11	22	,	,	PUNCT
fbem-29337	11	23	and	and	CCONJ
fbem-29337	11	24	promote	promote	VERB
fbem-29337	11	25	inclusive	inclusive	ADJ
fbem-29337	11	26	growth	growth	NOUN
fbem-29337	11	27	.	.	PUNCT
fbem-29337	12	1	2	2	X
fbem-29337	12	2	.	.	X
fbem-29337	12	3	literature	literature	NOUN
fbem-29337	12	4	review	review	NOUN
fbem-29337	12	5	globally	globally	ADV
fbem-29337	12	6	,	,	PUNCT
fbem-29337	12	7	studies	study	NOUN
fbem-29337	12	8	have	have	AUX
fbem-29337	12	9	underscored	underscore	VERB
fbem-29337	12	10	dfi	dfi	PROPN
fbem-29337	12	11	’s	’s	PART
fbem-29337	12	12	capacity	capacity	NOUN
fbem-29337	12	13	to	to	PART
fbem-29337	12	14	lower	lower	VERB
fbem-29337	12	15	barriers	barrier	NOUN
fbem-29337	12	16	to	to	ADP
fbem-29337	12	17	financial	financial	ADJ
fbem-29337	12	18	access	access	NOUN
fbem-29337	12	19	.	.	PUNCT
fbem-29337	13	1	beck	beck	PROPN
fbem-29337	13	2	et	et	PROPN
fbem-29337	13	3	al	al	PROPN
fbem-29337	13	4	.	.	PROPN
fbem-29337	13	5	highlighted	highlight	VERB
fbem-29337	13	6	that	that	SCONJ
fbem-29337	13	7	digital	digital	ADJ
fbem-29337	13	8	payment	payment	NOUN
fbem-29337	13	9	instruments	instrument	NOUN
fbem-29337	13	10	not	not	PART
fbem-29337	13	11	only	only	ADV
fbem-29337	13	12	reduce	reduce	VERB
fbem-29337	13	13	transaction	transaction	NOUN
fbem-29337	13	14	costs	cost	NOUN
fbem-29337	13	15	but	but	CCONJ
fbem-29337	13	16	also	also	ADV
fbem-29337	13	17	enhance	enhance	VERB
fbem-29337	13	18	participation	participation	NOUN
fbem-29337	13	19	in	in	ADP
fbem-29337	13	20	the	the	DET
fbem-29337	13	21	formal	formal	ADJ
fbem-29337	13	22	economy	economy	NOUN
fbem-29337	13	23	,	,	PUNCT
fbem-29337	13	24	especially	especially	ADV
fbem-29337	13	25	in	in	ADP
fbem-29337	13	26	developing	develop	VERB
fbem-29337	13	27	countries	country	NOUN
fbem-29337	14	1	[	[	X
fbem-29337	14	2	1	1	NUM
fbem-29337	14	3	]	]	PUNCT
fbem-29337	14	4	.	.	PUNCT
fbem-29337	15	1	similarly	similarly	ADV
fbem-29337	15	2	,	,	PUNCT
fbem-29337	15	3	demir	demir	PROPN
fbem-29337	15	4	et	et	PROPN
fbem-29337	15	5	al	al	PROPN
fbem-29337	15	6	.	.	PROPN
fbem-29337	15	7	found	find	VERB
fbem-29337	15	8	that	that	SCONJ
fbem-29337	15	9	financial	financial	ADJ
fbem-29337	15	10	inclusion	inclusion	NOUN
fbem-29337	15	11	driven	drive	VERB
fbem-29337	15	12	by	by	ADP
fbem-29337	15	13	fintech	fintech	NOUN
fbem-29337	15	14	reduces	reduce	VERB
fbem-29337	15	15	income	income	NOUN
fbem-29337	15	16	inequality	inequality	NOUN
fbem-29337	15	17	and	and	CCONJ
fbem-29337	15	18	increases	increase	VERB
fbem-29337	15	19	household	household	NOUN
fbem-29337	15	20	consumption	consumption	NOUN
fbem-29337	16	1	[	[	X
fbem-29337	16	2	2	2	NUM
fbem-29337	16	3	]	]	PUNCT
fbem-29337	16	4	.	.	PUNCT
fbem-29337	17	1	in	in	ADP
fbem-29337	17	2	the	the	DET
fbem-29337	17	3	chinese	chinese	ADJ
fbem-29337	17	4	context	context	NOUN
fbem-29337	17	5	,	,	PUNCT
fbem-29337	17	6	the	the	DET
fbem-29337	17	7	adoption	adoption	NOUN
fbem-29337	17	8	of	of	ADP
fbem-29337	17	9	dfi	dfi	PROPN
fbem-29337	17	10	has	have	AUX
fbem-29337	17	11	been	be	AUX
fbem-29337	17	12	unparalleled	unparalleled	ADJ
fbem-29337	17	13	.	.	PUNCT
fbem-29337	18	1	the	the	DET
fbem-29337	18	2	advent	advent	NOUN
fbem-29337	18	3	of	of	ADP
fbem-29337	18	4	platforms	platform	NOUN
fbem-29337	18	5	such	such	ADJ
fbem-29337	18	6	as	as	ADP
fbem-29337	18	7	alipay	alipay	PROPN
fbem-29337	18	8	and	and	CCONJ
fbem-29337	18	9	wechat	wechat	PROPN
fbem-29337	18	10	pay	pay	NOUN
fbem-29337	18	11	has	have	AUX
fbem-29337	18	12	transformed	transform	VERB
fbem-29337	18	13	the	the	DET
fbem-29337	18	14	way	way	NOUN
fbem-29337	18	15	financial	financial	ADJ
fbem-29337	18	16	services	service	NOUN
fbem-29337	18	17	are	be	AUX
fbem-29337	18	18	delivered	deliver	VERB
fbem-29337	18	19	.	.	PUNCT
fbem-29337	19	1	studies	study	NOUN
fbem-29337	19	2	provide	provide	VERB
fbem-29337	19	3	evidence	evidence	NOUN
fbem-29337	19	4	that	that	SCONJ
fbem-29337	19	5	dfi	dfi	PROPN
fbem-29337	19	6	improves	improve	VERB
fbem-29337	19	7	household	household	NOUN
fbem-29337	19	8	consumption	consumption	NOUN
fbem-29337	19	9	by	by	ADP
fbem-29337	19	10	mitigating	mitigate	VERB
fbem-29337	19	11	liquidity	liquidity	NOUN
fbem-29337	19	12	constraints	constraint	NOUN
fbem-29337	19	13	and	and	CCONJ
fbem-29337	19	14	enabling	enable	VERB
fbem-29337	19	15	access	access	NOUN
fbem-29337	19	16	to	to	ADP
fbem-29337	19	17	credit	credit	NOUN
fbem-29337	19	18	[	[	X
fbem-29337	19	19	3	3	NUM
fbem-29337	19	20	,	,	PUNCT
fbem-29337	19	21	4	4	NUM
fbem-29337	19	22	]	]	PUNCT
fbem-29337	19	23	.	.	PUNCT
fbem-29337	20	1	despite	despite	SCONJ
fbem-29337	20	2	this	this	DET
fbem-29337	20	3	progress	progress	NOUN
fbem-29337	20	4	,	,	PUNCT
fbem-29337	20	5	the	the	DET
fbem-29337	20	6	regional	regional	ADJ
fbem-29337	20	7	disparities	disparity	NOUN
fbem-29337	20	8	in	in	ADP
fbem-29337	20	9	dfi	dfi	PROPN
fbem-29337	20	10	adoption	adoption	NOUN
fbem-29337	20	11	require	require	VERB
fbem-29337	20	12	deeper	deep	ADJ
fbem-29337	20	13	investigation	investigation	NOUN
fbem-29337	20	14	.	.	PUNCT
fbem-29337	21	1	3	3	X
fbem-29337	21	2	.	.	X
fbem-29337	21	3	data	datum	NOUN
fbem-29337	21	4	and	and	CCONJ
fbem-29337	21	5	methodology	methodology	NOUN
fbem-29337	21	6	3.1	3.1	NUM
fbem-29337	21	7	.	.	PUNCT
fbem-29337	22	1	data	datum	NOUN
fbem-29337	22	2	sources	source	NOUN
fbem-29337	22	3	china	china	PROPN
fbem-29337	22	4	household	household	NOUN
fbem-29337	22	5	finance	finance	NOUN
fbem-29337	22	6	survey	survey	NOUN
fbem-29337	22	7	(	(	PUNCT
fbem-29337	22	8	chfs	chfs	PROPN
fbem-29337	22	9	):	):	PUNCT
fbem-29337	22	10	covers	cover	VERB
fbem-29337	22	11	income	income	NOUN
fbem-29337	22	12	,	,	PUNCT
fbem-29337	22	13	savings	saving	NOUN
fbem-29337	22	14	,	,	PUNCT
fbem-29337	22	15	expenditures	expenditure	NOUN
fbem-29337	22	16	,	,	PUNCT
fbem-29337	22	17	and	and	CCONJ
fbem-29337	22	18	access	access	NOUN
fbem-29337	22	19	to	to	ADP
fbem-29337	22	20	financial	financial	ADJ
fbem-29337	22	21	services	service	NOUN
fbem-29337	22	22	.	.	PUNCT
fbem-29337	23	1	includes	include	VERB
fbem-29337	23	2	data	datum	NOUN
fbem-29337	23	3	from	from	ADP
fbem-29337	23	4	over	over	ADP
fbem-29337	23	5	20,000	20,000	NUM
fbem-29337	23	6	households	household	NOUN
fbem-29337	23	7	across	across	ADP
fbem-29337	23	8	urban	urban	ADJ
fbem-29337	23	9	and	and	CCONJ
fbem-29337	23	10	rural	rural	ADJ
fbem-29337	23	11	regions	region	NOUN
fbem-29337	23	12	.	.	PUNCT
fbem-29337	24	1	peking	peking	NOUN
fbem-29337	24	2	university	university	PROPN
fbem-29337	24	3	digital	digital	ADJ
fbem-29337	24	4	financial	financial	ADJ
fbem-29337	24	5	inclusion	inclusion	NOUN
fbem-29337	24	6	index	index	NOUN
fbem-29337	24	7	:	:	PUNCT
fbem-29337	24	8	captures	capture	VERB
fbem-29337	24	9	regional	regional	ADJ
fbem-29337	24	10	variations	variation	NOUN
fbem-29337	24	11	in	in	ADP
fbem-29337	24	12	dfi	dfi	PROPN
fbem-29337	24	13	adoption	adoption	NOUN
fbem-29337	24	14	rates	rate	NOUN
fbem-29337	24	15	and	and	CCONJ
fbem-29337	24	16	service	service	NOUN
fbem-29337	24	17	availability	availability	NOUN
fbem-29337	24	18	.	.	PUNCT
fbem-29337	25	1	tracks	track	VERB
fbem-29337	25	2	trends	trend	NOUN
fbem-29337	25	3	over	over	ADP
fbem-29337	25	4	a	a	DET
fbem-29337	25	5	decade	decade	NOUN
fbem-29337	25	6	,	,	PUNCT
fbem-29337	25	7	enabling	enable	VERB
fbem-29337	25	8	longitudinal	longitudinal	ADJ
fbem-29337	25	9	analysis	analysis	NOUN
fbem-29337	25	10	.	.	PUNCT
fbem-29337	26	1	case	case	NOUN
fbem-29337	26	2	studies	study	NOUN
fbem-29337	26	3	and	and	CCONJ
fbem-29337	26	4	reports	report	NOUN
fbem-29337	26	5	:	:	PUNCT
fbem-29337	26	6	analysis	analysis	NOUN
fbem-29337	26	7	includes	include	VERB
fbem-29337	26	8	data	datum	NOUN
fbem-29337	26	9	from	from	ADP
fbem-29337	26	10	rural	rural	ADJ
fbem-29337	26	11	provinces	province	NOUN
fbem-29337	26	12	such	such	ADJ
fbem-29337	26	13	as	as	ADP
fbem-29337	26	14	guangxi	guangxi	PROPN
fbem-29337	26	15	and	and	CCONJ
fbem-29337	26	16	gansu	gansu	PROPN
fbem-29337	26	17	.	.	PROPN
fbem-29337	27	1	world	world	PROPN
fbem-29337	27	2	bank	bank	PROPN
fbem-29337	27	3	data	datum	NOUN
fbem-29337	27	4	provides	provide	VERB
fbem-29337	27	5	a	a	DET
fbem-29337	27	6	comparative	comparative	ADJ
fbem-29337	27	7	view	view	NOUN
fbem-29337	27	8	of	of	ADP
fbem-29337	27	9	dfi	dfi	PROPN
fbem-29337	27	10	adoption	adoption	NOUN
fbem-29337	27	11	in	in	ADP
fbem-29337	27	12	china	china	PROPN
fbem-29337	27	13	and	and	CCONJ
fbem-29337	27	14	other	other	ADJ
fbem-29337	27	15	emerging	emerge	VERB
fbem-29337	27	16	economies	economy	NOUN
fbem-29337	27	17	.	.	PUNCT
fbem-29337	28	1	3.2	3.2	NUM
fbem-29337	28	2	.	.	PUNCT
fbem-29337	29	1	summary	summary	NOUN
fbem-29337	29	2	statistics	statistic	NOUN
fbem-29337	29	3	the	the	DET
fbem-29337	29	4	datasets	dataset	NOUN
fbem-29337	29	5	utilized	utilize	VERB
fbem-29337	29	6	in	in	ADP
fbem-29337	29	7	this	this	DET
fbem-29337	29	8	study	study	NOUN
fbem-29337	29	9	include	include	VERB
fbem-29337	29	10	comprehensive	comprehensive	ADJ
fbem-29337	29	11	information	information	NOUN
fbem-29337	29	12	from	from	ADP
fbem-29337	29	13	the	the	DET
fbem-29337	29	14	chfs	chfs	NOUN
fbem-29337	29	15	and	and	CCONJ
fbem-29337	29	16	the	the	DET
fbem-29337	29	17	peking	peking	PROPN
fbem-29337	29	18	university	university	NOUN
fbem-29337	29	19	digital	digital	ADJ
fbem-29337	29	20	financial	financial	ADJ
fbem-29337	29	21	inclusion	inclusion	NOUN
fbem-29337	29	22	index	index	NOUN
fbem-29337	29	23	.	.	PUNCT
fbem-29337	30	1	table	table	NOUN
fbem-29337	30	2	1	1	NUM
fbem-29337	30	3	provides	provide	VERB
fbem-29337	30	4	descriptive	descriptive	ADJ
fbem-29337	30	5	statistics	statistic	NOUN
fbem-29337	30	6	for	for	ADP
fbem-29337	30	7	key	key	ADJ
fbem-29337	30	8	variables	variable	NOUN
fbem-29337	30	9	in	in	ADP
fbem-29337	30	10	the	the	DET
fbem-29337	30	11	analysis	analysis	NOUN
fbem-29337	30	12	.	.	PUNCT
fbem-29337	31	1	table	table	NOUN
fbem-29337	31	2	1	1	NUM
fbem-29337	31	3	.	.	PUNCT
fbem-29337	31	4	descriptive	descriptive	ADJ
fbem-29337	31	5	statistics	statistic	NOUN
fbem-29337	31	6	of	of	ADP
fbem-29337	31	7	key	key	ADJ
fbem-29337	31	8	variables	variable	NOUN
fbem-29337	31	9	in	in	ADP
fbem-29337	31	10	the	the	DET
fbem-29337	31	11	analysis	analysis	NOUN
fbem-29337	31	12	variable	variable	ADJ
fbem-29337	31	13	mean	mean	NOUN
fbem-29337	31	14	std	std	PROPN
fbem-29337	31	15	.	.	PROPN
fbem-29337	31	16	dev	dev	PROPN
fbem-29337	31	17	.	.	PUNCT
fbem-29337	32	1	min	min	PROPN
fbem-29337	32	2	max	max	PROPN
fbem-29337	32	3	dfi	dfi	PROPN
fbem-29337	32	4	index	index	PROPN
fbem-29337	32	5	350.72	350.72	NUM
fbem-29337	32	6	40.18	40.18	NUM
fbem-29337	32	7	290.45	290.45	NUM
fbem-29337	32	8	450.93	450.93	NUM
fbem-29337	32	9	household	household	NOUN
fbem-29337	32	10	consumption	consumption	NOUN
fbem-29337	32	11	(	(	PUNCT
fbem-29337	32	12	cny	cny	NOUN
fbem-29337	32	13	)	)	PUNCT
fbem-29337	32	14	38500	38500	NUM
fbem-29337	32	15	6500	6500	NUM
fbem-29337	32	16	30000	30000	NUM
fbem-29337	32	17	50000	50000	NUM
fbem-29337	32	18	income	income	NOUN
fbem-29337	32	19	(	(	PUNCT
fbem-29337	32	20	cny	cny	NOUN
fbem-29337	32	21	)	)	PUNCT
fbem-29337	32	22	55000	55000	NUM
fbem-29337	32	23	12000	12000	NUM
fbem-29337	32	24	40000	40000	NUM
fbem-29337	32	25	80000	80000	NUM
fbem-29337	32	26	urban	urban	ADJ
fbem-29337	32	27	residency	residency	NOUN
fbem-29337	32	28	(	(	PUNCT
fbem-29337	32	29	binary	binary	NOUN
fbem-29337	32	30	)	)	PUNCT
fbem-29337	32	31	0.56	0.56	NUM
fbem-29337	32	32	0.49	0.49	NUM
fbem-29337	32	33	0	0	NUM
fbem-29337	32	34	1	1	NUM
fbem-29337	32	35	3.3	3.3	NUM
fbem-29337	32	36	.	.	PUNCT
fbem-29337	33	1	fixed	fix	VERB
fbem-29337	33	2	-	-	PUNCT
fbem-29337	33	3	effects	effect	NOUN
fbem-29337	33	4	regression	regression	VERB
fbem-29337	33	5	the	the	DET
fbem-29337	33	6	fixed	fix	VERB
fbem-29337	33	7	-	-	PUNCT
fbem-29337	33	8	effects	effect	NOUN
fbem-29337	33	9	regression	regression	NOUN
fbem-29337	33	10	model	model	NOUN
fbem-29337	33	11	is	be	AUX
fbem-29337	33	12	employed	employ	VERB
fbem-29337	33	13	to	to	PART
fbem-29337	33	14	control	control	VERB
fbem-29337	33	15	for	for	ADP
fbem-29337	33	16	unobservable	unobservable	ADJ
fbem-29337	33	17	household	household	NOUN
fbem-29337	33	18	-	-	PUNCT
fbem-29337	33	19	specific	specific	ADJ
fbem-29337	33	20	factors	factor	NOUN
fbem-29337	33	21	that	that	PRON
fbem-29337	33	22	remain	remain	VERB
fbem-29337	33	23	constant	constant	ADJ
fbem-29337	33	24	over	over	ADP
fbem-29337	33	25	time	time	NOUN
fbem-29337	33	26	but	but	CCONJ
fbem-29337	33	27	may	may	AUX
fbem-29337	33	28	influence	influence	VERB
fbem-29337	33	29	consumption	consumption	NOUN
fbem-29337	33	30	behaviors	behavior	NOUN
fbem-29337	33	31	.	.	PUNCT
fbem-29337	34	1	these	these	DET
fbem-29337	34	2	factors	factor	NOUN
fbem-29337	34	3	include	include	VERB
fbem-29337	34	4	:	:	PUNCT
fbem-29337	34	5	cultural	cultural	ADJ
fbem-29337	34	6	attitudes	attitude	NOUN
fbem-29337	34	7	:	:	PUNCT
fbem-29337	34	8	variations	variation	NOUN
fbem-29337	34	9	in	in	ADP
fbem-29337	34	10	how	how	SCONJ
fbem-29337	34	11	different	different	ADJ
fbem-29337	34	12	regions	region	NOUN
fbem-29337	34	13	value	value	NOUN
fbem-29337	34	14	saving	save	VERB
fbem-29337	34	15	versus	versus	ADP
fbem-29337	34	16	spending	spending	NOUN
fbem-29337	34	17	are	be	AUX
fbem-29337	34	18	inherently	inherently	ADV
fbem-29337	34	19	embedded	embed	VERB
fbem-29337	34	20	in	in	ADP
fbem-29337	34	21	household	household	NOUN
fbem-29337	34	22	behavior	behavior	NOUN
fbem-29337	34	23	and	and	CCONJ
fbem-29337	34	24	may	may	AUX
fbem-29337	34	25	confound	confound	VERB
fbem-29337	34	26	the	the	DET
fbem-29337	34	27	relationship	relationship	NOUN
fbem-29337	34	28	between	between	ADP
fbem-29337	34	29	dfi	dfi	PROPN
fbem-29337	34	30	and	and	CCONJ
fbem-29337	34	31	consumption	consumption	NOUN
fbem-29337	34	32	.	.	PUNCT
fbem-29337	35	1	risk	risk	NOUN
fbem-29337	35	2	aversion	aversion	NOUN
fbem-29337	35	3	:	:	PUNCT
fbem-29337	35	4	differences	difference	NOUN
fbem-29337	35	5	in	in	ADP
fbem-29337	35	6	household	household	NOUN
fbem-29337	35	7	risk	risk	NOUN
fbem-29337	35	8	tolerance	tolerance	NOUN
fbem-29337	35	9	,	,	PUNCT
fbem-29337	35	10	198	198	NUM
fbem-29337	35	11	which	which	PRON
fbem-29337	35	12	can	can	AUX
fbem-29337	35	13	affect	affect	VERB
fbem-29337	35	14	their	their	PRON
fbem-29337	35	15	willingness	willingness	NOUN
fbem-29337	35	16	to	to	PART
fbem-29337	35	17	utilize	utilize	VERB
fbem-29337	35	18	digital	digital	ADJ
fbem-29337	35	19	financial	financial	ADJ
fbem-29337	35	20	products	product	NOUN
fbem-29337	35	21	.	.	PUNCT
fbem-29337	36	1	the	the	DET
fbem-29337	36	2	fixed	fix	VERB
fbem-29337	36	3	-	-	PUNCT
fbem-29337	36	4	effects	effect	NOUN
fbem-29337	36	5	model	model	NOUN
fbem-29337	36	6	isolates	isolate	VERB
fbem-29337	36	7	the	the	DET
fbem-29337	36	8	effect	effect	NOUN
fbem-29337	36	9	of	of	ADP
fbem-29337	36	10	dfi	dfi	PROPN
fbem-29337	36	11	by	by	ADP
fbem-29337	36	12	accounting	account	VERB
fbem-29337	36	13	for	for	ADP
fbem-29337	36	14	these	these	DET
fbem-29337	36	15	unchanging	unchanging	ADJ
fbem-29337	36	16	characteristics	characteristic	NOUN
fbem-29337	36	17	within	within	ADP
fbem-29337	36	18	households	household	NOUN
fbem-29337	36	19	.	.	PUNCT
fbem-29337	37	1	the	the	DET
fbem-29337	37	2	regression	regression	NOUN
fbem-29337	37	3	equation	equation	NOUN
fbem-29337	37	4	takes	take	VERB
fbem-29337	37	5	the	the	DET
fbem-29337	37	6	form	form	NOUN
fbem-29337	37	7	:	:	PUNCT
fbem-29337	37	8	consumption_it	consumption_it	NOUN
fbem-29337	37	9	=	=	SYM
fbem-29337	37	10	α	α	PROPN
fbem-29337	37	11	+	+	X
fbem-29337	37	12	β	β	X
fbem-29337	37	13	·	·	PUNCT
fbem-29337	37	14	dfiit	dfiit	NOUN
fbem-29337	37	15	+	+	CCONJ
fbem-29337	37	16	γ	γ	PROPN
fbem-29337	37	17	·	·	PUNCT
fbem-29337	37	18	xit	xit	PROPN
fbem-29337	38	1	+	+	CCONJ
fbem-29337	38	2	μi	μi	PRON
fbem-29337	38	3	+	+	CCONJ
fbem-29337	38	4	λt	λt	ADP
fbem-29337	39	1	+	+	CCONJ
fbem-29337	39	2	ϵit	ϵit	NUM
fbem-29337	40	1	where	where	SCONJ
fbem-29337	40	2	:	:	PUNCT
fbem-29337	40	3	μᵢ	μᵢ	NUM
fbem-29337	40	4	:	:	PUNCT
fbem-29337	40	5	captures	capture	NOUN
fbem-29337	40	6	unobserved	unobserved	ADJ
fbem-29337	40	7	household	household	NOUN
fbem-29337	40	8	-	-	PUNCT
fbem-29337	40	9	specific	specific	ADJ
fbem-29337	40	10	effects	effect	NOUN
fbem-29337	40	11	.	.	PUNCT
fbem-29337	41	1	λ	λ	NOUN
fbem-29337	41	2	:	:	PUNCT
fbem-29337	41	3	controls	control	NOUN
fbem-29337	41	4	for	for	ADP
fbem-29337	41	5	time	time	NOUN
fbem-29337	41	6	-	-	PUNCT
fbem-29337	41	7	specific	specific	ADJ
fbem-29337	41	8	shocks	shock	NOUN
fbem-29337	41	9	,	,	PUNCT
fbem-29337	41	10	such	such	ADJ
fbem-29337	41	11	as	as	ADP
fbem-29337	41	12	economic	economic	ADJ
fbem-29337	41	13	downturns	downturn	NOUN
fbem-29337	41	14	or	or	CCONJ
fbem-29337	41	15	policy	policy	NOUN
fbem-29337	41	16	changes	change	NOUN
fbem-29337	41	17	,	,	PUNCT
fbem-29337	41	18	that	that	PRON
fbem-29337	41	19	affect	affect	VERB
fbem-29337	41	20	all	all	DET
fbem-29337	41	21	households	household	NOUN
fbem-29337	41	22	equally	equally	ADV
fbem-29337	41	23	.	.	PUNCT
fbem-29337	42	1	benefits	benefit	NOUN
fbem-29337	42	2	of	of	ADP
fbem-29337	42	3	fixed	fix	VERB
fbem-29337	42	4	effects	effect	NOUN
fbem-29337	42	5	:	:	PUNCT
fbem-29337	42	6	ensures	ensure	VERB
fbem-29337	42	7	that	that	SCONJ
fbem-29337	42	8	the	the	DET
fbem-29337	42	9	impact	impact	NOUN
fbem-29337	42	10	of	of	ADP
fbem-29337	42	11	dfi	dfi	PROPN
fbem-29337	42	12	is	be	AUX
fbem-29337	42	13	not	not	PART
fbem-29337	42	14	conflated	conflate	VERB
fbem-29337	42	15	with	with	ADP
fbem-29337	42	16	unmeasured	unmeasured	ADJ
fbem-29337	42	17	household	household	NOUN
fbem-29337	42	18	traits	trait	NOUN
fbem-29337	42	19	.	.	PUNCT
fbem-29337	43	1	reduces	reduce	VERB
fbem-29337	43	2	omitted	omit	VERB
fbem-29337	43	3	variable	variable	ADJ
fbem-29337	43	4	bias	bias	NOUN
fbem-29337	43	5	by	by	ADP
fbem-29337	43	6	focusing	focus	VERB
fbem-29337	43	7	on	on	ADP
fbem-29337	43	8	withinhousehold	withinhousehold	NOUN
fbem-29337	43	9	variation	variation	NOUN
fbem-29337	43	10	over	over	ADP
fbem-29337	43	11	time	time	NOUN
fbem-29337	43	12	.	.	PUNCT
fbem-29337	44	1	the	the	DET
fbem-29337	44	2	fixed	fix	VERB
fbem-29337	44	3	-	-	PUNCT
fbem-29337	44	4	effects	effect	NOUN
fbem-29337	44	5	model	model	NOUN
fbem-29337	44	6	isolates	isolate	VERB
fbem-29337	44	7	the	the	DET
fbem-29337	44	8	impact	impact	NOUN
fbem-29337	44	9	of	of	ADP
fbem-29337	44	10	dfi	dfi	PROPN
fbem-29337	44	11	on	on	ADP
fbem-29337	44	12	household	household	NOUN
fbem-29337	44	13	consumption	consumption	NOUN
fbem-29337	44	14	,	,	PUNCT
fbem-29337	44	15	controlling	control	VERB
fbem-29337	44	16	for	for	ADP
fbem-29337	44	17	time	time	NOUN
fbem-29337	44	18	-	-	PUNCT
fbem-29337	44	19	invariant	invariant	ADJ
fbem-29337	44	20	unobserved	unobserved	ADJ
fbem-29337	44	21	heterogeneity	heterogeneity	NOUN
fbem-29337	44	22	.	.	PUNCT
fbem-29337	45	1	table	table	NOUN
fbem-29337	45	2	2	2	NUM
fbem-29337	45	3	presents	present	VERB
fbem-29337	45	4	the	the	DET
fbem-29337	45	5	regression	regression	NOUN
fbem-29337	45	6	results	result	NOUN
fbem-29337	45	7	.	.	PUNCT
fbem-29337	46	1	table	table	NOUN
fbem-29337	46	2	2	2	NUM
fbem-29337	46	3	.	.	PUNCT
fbem-29337	46	4	fixed	fix	VERB
fbem-29337	46	5	-	-	PUNCT
fbem-29337	46	6	effects	effect	NOUN
fbem-29337	46	7	regression	regression	NOUN
fbem-29337	46	8	results	result	VERB
fbem-29337	46	9	variable	variable	ADJ
fbem-29337	46	10	coefficient	coefficient	NOUN
fbem-29337	46	11	std	std	PROPN
fbem-29337	46	12	.	.	PUNCT
fbem-29337	46	13	error	error	NOUN
fbem-29337	46	14	tstatistic	tstatistic	ADJ
fbem-29337	46	15	p	p	ADJ
fbem-29337	46	16	-	-	PUNCT
fbem-29337	46	17	value	value	NOUN
fbem-29337	46	18	dfi	dfi	PROPN
fbem-29337	46	19	index	index	NOUN
fbem-29337	46	20	0.23	0.23	NUM
fbem-29337	46	21	0.05	0.05	NUM
fbem-29337	46	22	4.60	4.60	NUM
fbem-29337	46	23	0.000	0.000	NUM
fbem-29337	46	24	income	income	NOUN
fbem-29337	46	25	0.35	0.35	NUM
fbem-29337	46	26	0.07	0.07	NUM
fbem-29337	46	27	5.00	5.00	NUM
fbem-29337	46	28	0.000	0.000	NUM
fbem-29337	46	29	urban	urban	ADJ
fbem-29337	46	30	residency	residency	NOUN
fbem-29337	46	31	0.18	0.18	NUM
fbem-29337	46	32	0.04	0.04	NUM
fbem-29337	46	33	4.50	4.50	NUM
fbem-29337	46	34	0.000	0.000	NUM
fbem-29337	46	35	education	education	NOUN
fbem-29337	46	36	level	level	NOUN
fbem-29337	46	37	0.12	0.12	NUM
fbem-29337	46	38	0.03	0.03	NUM
fbem-29337	46	39	4.00	4.00	NUM
fbem-29337	46	40	0.001	0.001	NUM
fbem-29337	46	41	the	the	DET
fbem-29337	46	42	results	result	NOUN
fbem-29337	46	43	indicate	indicate	VERB
fbem-29337	46	44	that	that	SCONJ
fbem-29337	46	45	a	a	DET
fbem-29337	46	46	1	1	NUM
fbem-29337	46	47	-	-	PUNCT
fbem-29337	46	48	unit	unit	NOUN
fbem-29337	46	49	increase	increase	NOUN
fbem-29337	46	50	in	in	ADP
fbem-29337	46	51	the	the	DET
fbem-29337	46	52	dfi	dfi	PROPN
fbem-29337	46	53	index	index	NOUN
fbem-29337	46	54	corresponds	correspond	VERB
fbem-29337	46	55	to	to	ADP
fbem-29337	46	56	a	a	DET
fbem-29337	46	57	0.23	0.23	NUM
fbem-29337	46	58	-	-	PUNCT
fbem-29337	46	59	unit	unit	NOUN
fbem-29337	46	60	increase	increase	NOUN
fbem-29337	46	61	in	in	ADP
fbem-29337	46	62	household	household	NOUN
fbem-29337	46	63	consumption	consumption	NOUN
fbem-29337	46	64	,	,	PUNCT
fbem-29337	46	65	significant	significant	ADJ
fbem-29337	46	66	at	at	ADP
fbem-29337	46	67	the	the	DET
fbem-29337	46	68	1	1	NUM
fbem-29337	46	69	%	%	NOUN
fbem-29337	46	70	level	level	NOUN
fbem-29337	46	71	.	.	PUNCT
fbem-29337	47	1	3.4	3.4	NUM
fbem-29337	47	2	.	.	PUNCT
fbem-29337	48	1	instrumental	instrumental	ADJ
fbem-29337	48	2	variable	variable	NOUN
fbem-29337	48	3	(	(	PUNCT
fbem-29337	48	4	iv	iv	X
fbem-29337	48	5	)	)	PUNCT
fbem-29337	48	6	approach	approach	NOUN
fbem-29337	48	7	to	to	PART
fbem-29337	48	8	address	address	VERB
fbem-29337	48	9	potential	potential	ADJ
fbem-29337	48	10	endogeneity	endogeneity	NOUN
fbem-29337	48	11	,	,	PUNCT
fbem-29337	48	12	this	this	DET
fbem-29337	48	13	study	study	NOUN
fbem-29337	48	14	uses	use	VERB
fbem-29337	48	15	internet	internet	NOUN
fbem-29337	48	16	penetration	penetration	NOUN
fbem-29337	48	17	rates	rate	NOUN
fbem-29337	48	18	at	at	ADP
fbem-29337	48	19	the	the	DET
fbem-29337	48	20	provincial	provincial	ADJ
fbem-29337	48	21	level	level	NOUN
fbem-29337	48	22	as	as	ADP
fbem-29337	48	23	the	the	DET
fbem-29337	48	24	instrumental	instrumental	ADJ
fbem-29337	48	25	variable	variable	NOUN
fbem-29337	48	26	(	(	PUNCT
fbem-29337	48	27	iv	iv	X
fbem-29337	48	28	)	)	PUNCT
fbem-29337	48	29	for	for	ADP
fbem-29337	48	30	digital	digital	ADJ
fbem-29337	48	31	financial	financial	ADJ
fbem-29337	48	32	inclusion	inclusion	NOUN
fbem-29337	48	33	(	(	PUNCT
fbem-29337	48	34	dfi	dfi	PROPN
fbem-29337	48	35	)	)	PUNCT
fbem-29337	48	36	.	.	PUNCT
fbem-29337	49	1	internet	internet	NOUN
fbem-29337	49	2	penetration	penetration	NOUN
fbem-29337	49	3	rates	rate	NOUN
fbem-29337	49	4	meet	meet	VERB
fbem-29337	49	5	the	the	DET
fbem-29337	49	6	necessary	necessary	ADJ
fbem-29337	49	7	conditions	condition	NOUN
fbem-29337	49	8	for	for	ADP
fbem-29337	49	9	an	an	DET
fbem-29337	49	10	effective	effective	ADJ
fbem-29337	49	11	iv	iv	NOUN
fbem-29337	49	12	:	:	PUNCT
fbem-29337	49	13	they	they	PRON
fbem-29337	49	14	are	be	AUX
fbem-29337	49	15	highly	highly	ADV
fbem-29337	49	16	correlated	correlate	VERB
fbem-29337	49	17	with	with	ADP
fbem-29337	49	18	dfi	dfi	PROPN
fbem-29337	49	19	adoption	adoption	NOUN
fbem-29337	49	20	but	but	CCONJ
fbem-29337	49	21	do	do	AUX
fbem-29337	49	22	not	not	PART
fbem-29337	49	23	directly	directly	ADV
fbem-29337	49	24	influence	influence	VERB
fbem-29337	49	25	household	household	NOUN
fbem-29337	49	26	consumption	consumption	NOUN
fbem-29337	49	27	beyond	beyond	ADP
fbem-29337	49	28	their	their	PRON
fbem-29337	49	29	role	role	NOUN
fbem-29337	49	30	in	in	ADP
fbem-29337	49	31	enabling	enable	VERB
fbem-29337	49	32	dfi	dfi	PROPN
fbem-29337	49	33	.	.	PUNCT
fbem-29337	50	1	the	the	DET
fbem-29337	50	2	results	result	NOUN
fbem-29337	50	3	of	of	ADP
fbem-29337	50	4	the	the	DET
fbem-29337	50	5	iv	iv	NUM
fbem-29337	50	6	regression	regression	NOUN
fbem-29337	50	7	confirm	confirm	VERB
fbem-29337	50	8	the	the	DET
fbem-29337	50	9	instrument	instrument	NOUN
fbem-29337	50	10	's	's	PART
fbem-29337	50	11	validity	validity	NOUN
fbem-29337	50	12	:	:	PUNCT
fbem-29337	50	13	the	the	DET
fbem-29337	50	14	first	first	ADJ
fbem-29337	50	15	-	-	PUNCT
fbem-29337	50	16	stage	stage	NOUN
fbem-29337	50	17	regression	regression	NOUN
fbem-29337	50	18	demonstrates	demonstrate	VERB
fbem-29337	50	19	a	a	DET
fbem-29337	50	20	strong	strong	ADJ
fbem-29337	50	21	positive	positive	ADJ
fbem-29337	50	22	correlation	correlation	NOUN
fbem-29337	50	23	between	between	ADP
fbem-29337	50	24	internet	internet	NOUN
fbem-29337	50	25	penetration	penetration	NOUN
fbem-29337	50	26	and	and	CCONJ
fbem-29337	50	27	dfi	dfi	PROPN
fbem-29337	50	28	adoption	adoption	NOUN
fbem-29337	50	29	(	(	PUNCT
fbem-29337	50	30	p<0.01p	p<0.01p	ADP
fbem-29337	50	31	<	<	X
fbem-29337	50	32	0.01p<0.01	0.01p<0.01	NOUN
fbem-29337	50	33	)	)	PUNCT
fbem-29337	50	34	,	,	PUNCT
fbem-29337	50	35	indicating	indicate	VERB
fbem-29337	50	36	relevance	relevance	NOUN
fbem-29337	50	37	.	.	PUNCT
fbem-29337	51	1	the	the	DET
fbem-29337	51	2	second	second	ADJ
fbem-29337	51	3	-	-	PUNCT
fbem-29337	51	4	stage	stage	NOUN
fbem-29337	51	5	regression	regression	NOUN
fbem-29337	51	6	shows	show	VERB
fbem-29337	51	7	that	that	SCONJ
fbem-29337	51	8	dfi	dfi	PROPN
fbem-29337	51	9	adoption	adoption	NOUN
fbem-29337	51	10	has	have	VERB
fbem-29337	51	11	a	a	DET
fbem-29337	51	12	statistically	statistically	ADV
fbem-29337	51	13	significant	significant	ADJ
fbem-29337	51	14	positive	positive	ADJ
fbem-29337	51	15	effect	effect	NOUN
fbem-29337	51	16	on	on	ADP
fbem-29337	51	17	household	household	NOUN
fbem-29337	51	18	consumption	consumption	NOUN
fbem-29337	51	19	(	(	PUNCT
fbem-29337	51	20	p<0.05p	p<0.05p	NOUN
fbem-29337	51	21	<	<	X
fbem-29337	51	22	0.05p<0.05	0.05p<0.05	NOUN
fbem-29337	51	23	)	)	PUNCT
fbem-29337	51	24	,	,	PUNCT
fbem-29337	51	25	after	after	ADP
fbem-29337	51	26	accounting	account	VERB
fbem-29337	51	27	for	for	ADP
fbem-29337	51	28	endogeneity	endogeneity	NOUN
fbem-29337	51	29	.	.	PUNCT
fbem-29337	52	1	robustness	robustness	NOUN
fbem-29337	52	2	checks	check	NOUN
fbem-29337	52	3	,	,	PUNCT
fbem-29337	52	4	including	include	VERB
fbem-29337	52	5	the	the	DET
fbem-29337	52	6	cragg	cragg	PROPN
fbem-29337	52	7	-	-	PUNCT
fbem-29337	52	8	donald	donald	PROPN
fbem-29337	52	9	f	f	PROPN
fbem-29337	52	10	-	-	PUNCT
fbem-29337	52	11	statistic	statistic	ADJ
fbem-29337	52	12	and	and	CCONJ
fbem-29337	52	13	sargan	sargan	PROPN
fbem-29337	52	14	-	-	PUNCT
fbem-29337	52	15	hansen	hansen	PROPN
fbem-29337	52	16	test	test	NOUN
fbem-29337	52	17	,	,	PUNCT
fbem-29337	52	18	confirm	confirm	VERB
fbem-29337	52	19	the	the	DET
fbem-29337	52	20	strength	strength	NOUN
fbem-29337	52	21	and	and	CCONJ
fbem-29337	52	22	validity	validity	NOUN
fbem-29337	52	23	of	of	ADP
fbem-29337	52	24	the	the	DET
fbem-29337	52	25	instrument	instrument	NOUN
fbem-29337	52	26	.	.	PUNCT
fbem-29337	53	1	these	these	DET
fbem-29337	53	2	results	result	NOUN
fbem-29337	53	3	support	support	VERB
fbem-29337	53	4	the	the	DET
fbem-29337	53	5	causal	causal	ADJ
fbem-29337	53	6	interpretation	interpretation	NOUN
fbem-29337	53	7	of	of	ADP
fbem-29337	53	8	dfi	dfi	PROPN
fbem-29337	53	9	's	's	PART
fbem-29337	53	10	impact	impact	NOUN
fbem-29337	53	11	on	on	ADP
fbem-29337	53	12	household	household	NOUN
fbem-29337	53	13	consumption	consumption	NOUN
fbem-29337	53	14	.	.	PUNCT
fbem-29337	54	1	table	table	NOUN
fbem-29337	54	2	3	3	NUM
fbem-29337	54	3	.	.	PUNCT
fbem-29337	55	1	instrumental	instrumental	ADJ
fbem-29337	55	2	variable	variable	ADJ
fbem-29337	55	3	regression	regression	NOUN
fbem-29337	55	4	results	result	VERB
fbem-29337	55	5	variable	variable	ADJ
fbem-29337	55	6	coefficient	coefficient	NOUN
fbem-29337	55	7	std	std	PROPN
fbem-29337	55	8	.	.	PUNCT
fbem-29337	55	9	error	error	NOUN
fbem-29337	55	10	tstatistic	tstatistic	ADJ
fbem-29337	55	11	p	p	NOUN
fbem-29337	55	12	-	-	PUNCT
fbem-29337	55	13	value	value	NOUN
fbem-29337	55	14	predicted	predict	VERB
fbem-29337	55	15	dfi	dfi	PROPN
fbem-29337	55	16	index	index	NOUN
fbem-29337	55	17	0.30	0.30	NUM
fbem-29337	55	18	0.06	0.06	NUM
fbem-29337	55	19	5.00	5.00	NUM
fbem-29337	55	20	0.000	0.000	NUM
fbem-29337	55	21	the	the	DET
fbem-29337	55	22	cragg	cragg	PROPN
fbem-29337	55	23	-	-	PUNCT
fbem-29337	55	24	donald	donald	PROPN
fbem-29337	55	25	f	f	PROPN
fbem-29337	55	26	-	-	PUNCT
fbem-29337	55	27	statistic	statistic	NOUN
fbem-29337	55	28	of	of	ADP
fbem-29337	55	29	15.62	15.62	NUM
fbem-29337	55	30	confirms	confirm	VERB
fbem-29337	55	31	the	the	DET
fbem-29337	55	32	relevance	relevance	NOUN
fbem-29337	55	33	of	of	ADP
fbem-29337	55	34	the	the	DET
fbem-29337	55	35	instrument	instrument	NOUN
fbem-29337	55	36	.	.	PUNCT
fbem-29337	56	1	the	the	DET
fbem-29337	56	2	results	result	NOUN
fbem-29337	56	3	validate	validate	VERB
fbem-29337	56	4	a	a	DET
fbem-29337	56	5	causal	causal	ADJ
fbem-29337	56	6	relationship	relationship	NOUN
fbem-29337	56	7	between	between	ADP
fbem-29337	56	8	dfi	dfi	PROPN
fbem-29337	56	9	and	and	CCONJ
fbem-29337	56	10	household	household	NOUN
fbem-29337	56	11	consumption	consumption	NOUN
fbem-29337	56	12	.	.	PUNCT
fbem-29337	57	1	3.5	3.5	NUM
fbem-29337	57	2	.	.	PUNCT
fbem-29337	58	1	subgroup	subgroup	NOUN
fbem-29337	58	2	analysis	analysis	NOUN
fbem-29337	58	3	the	the	DET
fbem-29337	58	4	impact	impact	NOUN
fbem-29337	58	5	of	of	ADP
fbem-29337	58	6	dfi	dfi	PROPN
fbem-29337	58	7	was	be	AUX
fbem-29337	58	8	further	far	ADV
fbem-29337	58	9	analyzed	analyze	VERB
fbem-29337	58	10	across	across	ADP
fbem-29337	58	11	urban	urban	ADJ
fbem-29337	58	12	and	and	CCONJ
fbem-29337	58	13	rural	rural	ADJ
fbem-29337	58	14	households	household	NOUN
fbem-29337	58	15	:	:	PUNCT
fbem-29337	58	16	he	he	PRON
fbem-29337	58	17	results	result	VERB
fbem-29337	58	18	suggest	suggest	VERB
fbem-29337	58	19	that	that	SCONJ
fbem-29337	58	20	financial	financial	ADJ
fbem-29337	58	21	inclusion	inclusion	NOUN
fbem-29337	58	22	has	have	VERB
fbem-29337	58	23	a	a	DET
fbem-29337	58	24	more	more	ADV
fbem-29337	58	25	pronounced	pronounced	ADJ
fbem-29337	58	26	effect	effect	NOUN
fbem-29337	58	27	in	in	ADP
fbem-29337	58	28	rural	rural	ADJ
fbem-29337	58	29	areas	area	NOUN
fbem-29337	58	30	,	,	PUNCT
fbem-29337	58	31	where	where	SCONJ
fbem-29337	58	32	traditional	traditional	ADJ
fbem-29337	58	33	banking	banking	NOUN
fbem-29337	58	34	services	service	NOUN
fbem-29337	58	35	are	be	AUX
fbem-29337	58	36	less	less	ADV
fbem-29337	58	37	accessible	accessible	ADJ
fbem-29337	58	38	.	.	PUNCT
fbem-29337	59	1	these	these	DET
fbem-29337	59	2	findings	finding	NOUN
fbem-29337	59	3	highlight	highlight	VERB
fbem-29337	59	4	the	the	DET
fbem-29337	59	5	heterogeneous	heterogeneous	ADJ
fbem-29337	59	6	nature	nature	NOUN
fbem-29337	59	7	of	of	ADP
fbem-29337	59	8	dfi	dfi	PROPN
fbem-29337	59	9	's	's	PART
fbem-29337	59	10	impact	impact	NOUN
fbem-29337	59	11	,	,	PUNCT
fbem-29337	59	12	with	with	ADP
fbem-29337	59	13	rural	rural	ADJ
fbem-29337	59	14	households	household	NOUN
fbem-29337	59	15	benefiting	benefit	VERB
fbem-29337	59	16	more	more	ADV
fbem-29337	59	17	substantially	substantially	ADV
fbem-29337	59	18	from	from	ADP
fbem-29337	59	19	increased	increase	VERB
fbem-29337	59	20	financial	financial	ADJ
fbem-29337	59	21	access	access	NOUN
fbem-29337	59	22	and	and	CCONJ
fbem-29337	59	23	education	education	NOUN
fbem-29337	59	24	.	.	PUNCT
fbem-29337	60	1	subgroup	subgroup	NOUN
fbem-29337	60	2	analyses	analysis	NOUN
fbem-29337	60	3	reveal	reveal	VERB
fbem-29337	60	4	heterogeneous	heterogeneous	ADJ
fbem-29337	60	5	impacts	impact	NOUN
fbem-29337	60	6	of	of	ADP
fbem-29337	60	7	dfi	dfi	PROPN
fbem-29337	60	8	across	across	ADP
fbem-29337	60	9	demographics	demographic	NOUN
fbem-29337	60	10	.	.	PUNCT
fbem-29337	61	1	table	table	NOUN
fbem-29337	61	2	4	4	NUM
fbem-29337	61	3	highlights	highlight	NOUN
fbem-29337	61	4	key	key	ADJ
fbem-29337	61	5	findings	finding	NOUN
fbem-29337	61	6	.	.	PUNCT
fbem-29337	62	1	table	table	NOUN
fbem-29337	62	2	4	4	NUM
fbem-29337	62	3	.	.	PUNCT
fbem-29337	62	4	subgroup	subgroup	PROPN
fbem-29337	62	5	regression	regression	PROPN
fbem-29337	62	6	results	result	NOUN
fbem-29337	62	7	subgroup	subgroup	PROPN
fbem-29337	62	8	dfi	dfi	PROPN
fbem-29337	62	9	coefficient	coefficient	PROPN
fbem-29337	62	10	std	std	PROPN
fbem-29337	62	11	.	.	PUNCT
fbem-29337	63	1	error	error	NOUN
fbem-29337	63	2	p	p	NOUN
fbem-29337	63	3	-	-	PUNCT
fbem-29337	63	4	value	value	NOUN
fbem-29337	63	5	urban	urban	ADJ
fbem-29337	63	6	households	household	NOUN
fbem-29337	63	7	0.20	0.20	NUM
fbem-29337	63	8	0.05	0.05	NUM
fbem-29337	63	9	0.002	0.002	NUM
fbem-29337	63	10	rural	rural	ADJ
fbem-29337	63	11	households	household	NOUN
fbem-29337	63	12	0.35	0.35	NUM
fbem-29337	63	13	0.06	0.06	NUM
fbem-29337	63	14	0.000	0.000	NUM
fbem-29337	63	15	low	low	ADJ
fbem-29337	63	16	-	-	PUNCT
fbem-29337	63	17	income	income	NOUN
fbem-29337	63	18	0.40	0.40	NUM
fbem-29337	63	19	0.08	0.08	NUM
fbem-29337	63	20	0.001	0.001	NUM
fbem-29337	63	21	high	high	ADJ
fbem-29337	63	22	-	-	PUNCT
fbem-29337	63	23	income	income	NOUN
fbem-29337	63	24	0.15	0.15	NUM
fbem-29337	63	25	0.07	0.07	NUM
fbem-29337	63	26	0.020	0.020	NUM
fbem-29337	63	27	rural	rural	ADJ
fbem-29337	63	28	and	and	CCONJ
fbem-29337	63	29	low	low	ADJ
fbem-29337	63	30	-	-	PUNCT
fbem-29337	63	31	income	income	NOUN
fbem-29337	63	32	households	household	NOUN
fbem-29337	63	33	exhibit	exhibit	VERB
fbem-29337	63	34	higher	high	ADJ
fbem-29337	63	35	sensitivity	sensitivity	NOUN
fbem-29337	63	36	to	to	ADP
fbem-29337	63	37	dfi	dfi	PROPN
fbem-29337	63	38	,	,	PUNCT
fbem-29337	63	39	emphasizing	emphasize	VERB
fbem-29337	63	40	its	its	PRON
fbem-29337	63	41	role	role	NOUN
fbem-29337	63	42	in	in	ADP
fbem-29337	63	43	alleviating	alleviate	VERB
fbem-29337	63	44	financial	financial	ADJ
fbem-29337	63	45	exclusion	exclusion	NOUN
fbem-29337	63	46	.	.	PUNCT
fbem-29337	64	1	3.6	3.6	NUM
fbem-29337	64	2	.	.	PUNCT
fbem-29337	64	3	temporal	temporal	ADJ
fbem-29337	64	4	dynamics	dynamic	NOUN
fbem-29337	64	5	to	to	PART
fbem-29337	64	6	analyze	analyze	VERB
fbem-29337	64	7	the	the	DET
fbem-29337	64	8	delayed	delay	VERB
fbem-29337	64	9	effects	effect	NOUN
fbem-29337	64	10	of	of	ADP
fbem-29337	64	11	digital	digital	ADJ
fbem-29337	64	12	financial	financial	ADJ
fbem-29337	64	13	inclusion	inclusion	NOUN
fbem-29337	64	14	(	(	PUNCT
fbem-29337	64	15	dfi	dfi	PROPN
fbem-29337	64	16	)	)	PUNCT
fbem-29337	64	17	on	on	ADP
fbem-29337	64	18	household	household	NOUN
fbem-29337	64	19	consumption	consumption	NOUN
fbem-29337	64	20	,	,	PUNCT
fbem-29337	64	21	lagged	lag	VERB
fbem-29337	64	22	values	value	NOUN
fbem-29337	64	23	of	of	ADP
fbem-29337	64	24	the	the	DET
fbem-29337	64	25	dfi	dfi	PROPN
fbem-29337	64	26	index	index	NOUN
fbem-29337	64	27	were	be	AUX
fbem-29337	64	28	used	use	VERB
fbem-29337	64	29	as	as	ADP
fbem-29337	64	30	instrumental	instrumental	ADJ
fbem-29337	64	31	variables	variable	NOUN
fbem-29337	64	32	.	.	PUNCT
fbem-29337	65	1	the	the	DET
fbem-29337	65	2	dynamic	dynamic	ADJ
fbem-29337	65	3	panel	panel	NOUN
fbem-29337	65	4	data	datum	NOUN
fbem-29337	65	5	model	model	NOUN
fbem-29337	65	6	captures	capture	VERB
fbem-29337	65	7	both	both	CCONJ
fbem-29337	65	8	short	short	ADJ
fbem-29337	65	9	-	-	PUNCT
fbem-29337	65	10	term	term	NOUN
fbem-29337	65	11	and	and	CCONJ
fbem-29337	65	12	longterm	longterm	ADJ
fbem-29337	65	13	impacts	impact	NOUN
fbem-29337	65	14	.	.	PUNCT
fbem-29337	66	1	key	key	ADJ
fbem-29337	66	2	results	result	NOUN
fbem-29337	66	3	:	:	PUNCT
fbem-29337	66	4	short	short	ADJ
fbem-29337	66	5	-	-	PUNCT
fbem-29337	66	6	term	term	NOUN
fbem-29337	66	7	impact	impact	NOUN
fbem-29337	66	8	:	:	PUNCT
fbem-29337	66	9	a	a	DET
fbem-29337	66	10	1	1	NUM
fbem-29337	66	11	-	-	PUNCT
fbem-29337	66	12	unit	unit	NOUN
fbem-29337	66	13	increase	increase	NOUN
fbem-29337	66	14	in	in	ADP
fbem-29337	66	15	the	the	DET
fbem-29337	66	16	dfi	dfi	PROPN
fbem-29337	66	17	index	index	NOUN
fbem-29337	66	18	leads	lead	VERB
fbem-29337	66	19	to	to	ADP
fbem-29337	66	20	an	an	DET
fbem-29337	66	21	immediate	immediate	ADJ
fbem-29337	66	22	0.5	0.5	NUM
fbem-29337	66	23	%	%	NOUN
fbem-29337	66	24	rise	rise	NOUN
fbem-29337	66	25	in	in	ADP
fbem-29337	66	26	household	household	NOUN
fbem-29337	66	27	consumption	consumption	NOUN
fbem-29337	66	28	.	.	PUNCT
fbem-29337	67	1	long	long	ADJ
fbem-29337	67	2	-	-	PUNCT
fbem-29337	67	3	term	term	NOUN
fbem-29337	67	4	impact	impact	NOUN
fbem-29337	68	1	:	:	PUNCT
fbem-29337	68	2	the	the	DET
fbem-29337	68	3	lagged	lag	VERB
fbem-29337	68	4	dfi	dfi	PROPN
fbem-29337	68	5	index	index	NOUN
fbem-29337	68	6	contributes	contribute	VERB
fbem-29337	68	7	an	an	DET
fbem-29337	68	8	additional	additional	ADJ
fbem-29337	68	9	0.3	0.3	NUM
fbem-29337	68	10	%	%	NOUN
fbem-29337	68	11	increase	increase	NOUN
fbem-29337	68	12	,	,	PUNCT
fbem-29337	68	13	indicating	indicate	VERB
fbem-29337	68	14	that	that	SCONJ
fbem-29337	68	15	households	household	NOUN
fbem-29337	68	16	gradually	gradually	ADV
fbem-29337	68	17	integrate	integrate	VERB
fbem-29337	68	18	dfi	dfi	PROPN
fbem-29337	68	19	into	into	ADP
fbem-29337	68	20	their	their	PRON
fbem-29337	68	21	financial	financial	ADJ
fbem-29337	68	22	behaviors	behavior	NOUN
fbem-29337	68	23	.	.	PUNCT
fbem-29337	69	1	these	these	DET
fbem-29337	69	2	findings	finding	NOUN
fbem-29337	69	3	highlight	highlight	VERB
fbem-29337	69	4	the	the	DET
fbem-29337	69	5	significance	significance	NOUN
fbem-29337	69	6	of	of	ADP
fbem-29337	69	7	incorporating	incorporate	VERB
fbem-29337	69	8	temporal	temporal	ADJ
fbem-29337	69	9	dynamics	dynamic	NOUN
fbem-29337	69	10	to	to	PART
fbem-29337	69	11	understand	understand	VERB
fbem-29337	69	12	the	the	DET
fbem-29337	69	13	evolving	evolve	VERB
fbem-29337	69	14	influence	influence	NOUN
fbem-29337	69	15	of	of	ADP
fbem-29337	69	16	dfi	dfi	PROPN
fbem-29337	69	17	on	on	ADP
fbem-29337	69	18	consumption	consumption	NOUN
fbem-29337	69	19	patterns	pattern	NOUN
fbem-29337	69	20	.	.	PUNCT
fbem-29337	70	1	3.7	3.7	NUM
fbem-29337	70	2	.	.	PUNCT
fbem-29337	70	3	machine	machine	NOUN
fbem-29337	70	4	learning	learn	VERB
fbem-29337	70	5	integration	integration	NOUN
fbem-29337	70	6	to	to	PART
fbem-29337	70	7	complement	complement	VERB
fbem-29337	70	8	traditional	traditional	ADJ
fbem-29337	70	9	econometric	econometric	ADJ
fbem-29337	70	10	models	model	NOUN
fbem-29337	70	11	and	and	CCONJ
fbem-29337	70	12	address	address	VERB
fbem-29337	70	13	nonlinear	nonlinear	ADJ
fbem-29337	70	14	relationships	relationship	NOUN
fbem-29337	70	15	,	,	PUNCT
fbem-29337	70	16	machine	machine	NOUN
fbem-29337	70	17	learning	learning	NOUN
fbem-29337	70	18	algorithms	algorithm	NOUN
fbem-29337	70	19	were	be	AUX
fbem-29337	70	20	employed	employ	VERB
fbem-29337	70	21	.	.	PUNCT
fbem-29337	71	1	key	key	ADJ
fbem-29337	71	2	variables	variable	NOUN
fbem-29337	71	3	used	use	VERB
fbem-29337	71	4	include	include	VERB
fbem-29337	71	5	household	household	NOUN
fbem-29337	71	6	income	income	NOUN
fbem-29337	71	7	,	,	PUNCT
fbem-29337	71	8	education	education	NOUN
fbem-29337	71	9	level	level	NOUN
fbem-29337	71	10	,	,	PUNCT
fbem-29337	71	11	geographic	geographic	ADJ
fbem-29337	71	12	location	location	NOUN
fbem-29337	71	13	,	,	PUNCT
fbem-29337	71	14	internet	internet	NOUN
fbem-29337	71	15	penetration	penetration	NOUN
fbem-29337	71	16	rates	rate	NOUN
fbem-29337	71	17	,	,	PUNCT
fbem-29337	71	18	and	and	CCONJ
fbem-29337	71	19	dfi	dfi	PROPN
fbem-29337	71	20	adoption	adoption	NOUN
fbem-29337	71	21	rates	rate	NOUN
fbem-29337	71	22	.	.	PUNCT
fbem-29337	72	1	the	the	DET
fbem-29337	72	2	target	target	NOUN
fbem-29337	72	3	variable	variable	NOUN
fbem-29337	72	4	is	be	AUX
fbem-29337	72	5	household	household	NOUN
fbem-29337	72	6	consumption	consumption	NOUN
fbem-29337	72	7	.	.	PUNCT
fbem-29337	73	1	key	key	ADJ
fbem-29337	73	2	results	result	NOUN
fbem-29337	73	3	from	from	ADP
fbem-29337	73	4	feature	feature	NOUN
fbem-29337	73	5	importance	importance	NOUN
fbem-29337	73	6	analysis	analysis	NOUN
fbem-29337	73	7	:	:	PUNCT
fbem-29337	73	8	dfi	dfi	PROPN
fbem-29337	73	9	index	index	PROPN
fbem-29337	73	10	:	:	PUNCT
fbem-29337	73	11	contributes	contribute	VERB
fbem-29337	73	12	35	35	NUM
fbem-29337	73	13	%	%	NOUN
fbem-29337	73	14	to	to	ADP
fbem-29337	73	15	household	household	NOUN
fbem-29337	73	16	consumption	consumption	NOUN
fbem-29337	73	17	changes	change	NOUN
fbem-29337	73	18	,	,	PUNCT
fbem-29337	73	19	highlighting	highlight	VERB
fbem-29337	73	20	its	its	PRON
fbem-29337	73	21	pivotal	pivotal	ADJ
fbem-29337	73	22	role	role	NOUN
fbem-29337	73	23	.	.	PUNCT
fbem-29337	74	1	education	education	NOUN
fbem-29337	74	2	level	level	NOUN
fbem-29337	74	3	:	:	PUNCT
fbem-29337	74	4	accounts	account	VERB
fbem-29337	74	5	for	for	ADP
fbem-29337	74	6	30	30	NUM
fbem-29337	74	7	%	%	NOUN
fbem-29337	74	8	,	,	PUNCT
fbem-29337	74	9	emphasizing	emphasize	VERB
fbem-29337	74	10	the	the	DET
fbem-29337	74	11	importance	importance	NOUN
fbem-29337	74	12	of	of	ADP
fbem-29337	74	13	digital	digital	ADJ
fbem-29337	74	14	literacy	literacy	NOUN
fbem-29337	74	15	.	.	PUNCT
fbem-29337	75	1	income	income	NOUN
fbem-29337	75	2	level	level	NOUN
fbem-29337	75	3	:	:	PUNCT
fbem-29337	75	4	adds	add	VERB
fbem-29337	75	5	20	20	NUM
fbem-29337	75	6	%	%	NOUN
fbem-29337	75	7	,	,	PUNCT
fbem-29337	75	8	showing	show	VERB
fbem-29337	75	9	that	that	SCONJ
fbem-29337	75	10	higher	high	ADJ
fbem-29337	75	11	-	-	PUNCT
fbem-29337	75	12	income	income	NOUN
fbem-29337	75	13	households	household	NOUN
fbem-29337	75	14	benefit	benefit	VERB
fbem-29337	75	15	more	more	ADV
fbem-29337	75	16	from	from	ADP
fbem-29337	75	17	dfi	dfi	PROPN
fbem-29337	75	18	for	for	ADP
fbem-29337	75	19	investments	investment	NOUN
fbem-29337	75	20	.	.	PUNCT
fbem-29337	76	1	urban	urban	ADJ
fbem-29337	76	2	vs.	vs.	X
fbem-29337	76	3	rural	rural	ADJ
fbem-29337	76	4	:	:	PUNCT
fbem-29337	76	5	urban	urban	ADJ
fbem-29337	76	6	households	household	NOUN
fbem-29337	76	7	show	show	VERB
fbem-29337	76	8	higher	high	ADJ
fbem-29337	76	9	absolute	absolute	ADJ
fbem-29337	76	10	consumption	consumption	NOUN
fbem-29337	76	11	,	,	PUNCT
fbem-29337	76	12	but	but	CCONJ
fbem-29337	76	13	rural	rural	ADJ
fbem-29337	76	14	households	household	NOUN
fbem-29337	76	15	exhibit	exhibit	VERB
fbem-29337	76	16	greater	great	ADJ
fbem-29337	76	17	marginal	marginal	ADJ
fbem-29337	76	18	benefits	benefit	NOUN
fbem-29337	76	19	.	.	PUNCT
fbem-29337	77	1	these	these	DET
fbem-29337	77	2	results	result	NOUN
fbem-29337	77	3	reinforce	reinforce	VERB
fbem-29337	77	4	the	the	DET
fbem-29337	77	5	significant	significant	ADJ
fbem-29337	77	6	influence	influence	NOUN
fbem-29337	77	7	of	of	ADP
fbem-29337	77	8	dfi	dfi	PROPN
fbem-29337	77	9	on	on	ADP
fbem-29337	77	10	household	household	NOUN
fbem-29337	77	11	consumption	consumption	NOUN
fbem-29337	77	12	and	and	CCONJ
fbem-29337	77	13	its	its	PRON
fbem-29337	77	14	interaction	interaction	NOUN
fbem-29337	77	15	with	with	ADP
fbem-29337	77	16	education	education	NOUN
fbem-29337	77	17	,	,	PUNCT
fbem-29337	77	18	199	199	NUM
fbem-29337	77	19	income	income	NOUN
fbem-29337	77	20	,	,	PUNCT
fbem-29337	77	21	and	and	CCONJ
fbem-29337	77	22	infrastructure	infrastructure	NOUN
fbem-29337	77	23	.	.	PUNCT
fbem-29337	78	1	the	the	DET
fbem-29337	78	2	analysis	analysis	NOUN
fbem-29337	78	3	supports	support	VERB
fbem-29337	78	4	policy	policy	NOUN
fbem-29337	78	5	recommendations	recommendation	NOUN
fbem-29337	78	6	aimed	aim	VERB
fbem-29337	78	7	at	at	ADP
fbem-29337	78	8	enhancing	enhance	VERB
fbem-29337	78	9	digital	digital	ADJ
fbem-29337	78	10	literacy	literacy	NOUN
fbem-29337	78	11	and	and	CCONJ
fbem-29337	78	12	infrastructure	infrastructure	NOUN
fbem-29337	78	13	to	to	PART
fbem-29337	78	14	maximize	maximize	VERB
fbem-29337	78	15	the	the	DET
fbem-29337	78	16	benefits	benefit	NOUN
fbem-29337	78	17	of	of	ADP
fbem-29337	78	18	dfi	dfi	PROPN
fbem-29337	78	19	.	.	PROPN
fbem-29337	79	1	4	4	X
fbem-29337	79	2	.	.	NUM
fbem-29337	79	3	enriched	enrich	VERB
fbem-29337	79	4	descriptive	descriptive	ADJ
fbem-29337	79	5	statistics	statistic	NOUN
fbem-29337	79	6	4.1	4.1	NUM
fbem-29337	79	7	.	.	PUNCT
fbem-29337	80	1	geographic	geographic	ADJ
fbem-29337	80	2	disparities	disparity	NOUN
fbem-29337	80	3	to	to	PART
fbem-29337	80	4	analyze	analyze	VERB
fbem-29337	80	5	urban	urban	ADJ
fbem-29337	80	6	-	-	PUNCT
fbem-29337	80	7	rural	rural	ADJ
fbem-29337	80	8	disparities	disparity	NOUN
fbem-29337	80	9	in	in	ADP
fbem-29337	80	10	digital	digital	ADJ
fbem-29337	80	11	financial	financial	ADJ
fbem-29337	80	12	inclusion	inclusion	NOUN
fbem-29337	80	13	(	(	PUNCT
fbem-29337	80	14	dfi	dfi	PROPN
fbem-29337	80	15	)	)	PUNCT
fbem-29337	80	16	adoption	adoption	NOUN
fbem-29337	80	17	,	,	PUNCT
fbem-29337	80	18	the	the	DET
fbem-29337	80	19	study	study	NOUN
fbem-29337	80	20	uses	use	VERB
fbem-29337	80	21	regional	regional	PROPN
fbem-29337	80	22	dfi	dfi	PROPN
fbem-29337	80	23	index	index	NOUN
fbem-29337	80	24	scores	score	NOUN
fbem-29337	80	25	as	as	ADP
fbem-29337	80	26	key	key	ADJ
fbem-29337	80	27	variables	variable	NOUN
fbem-29337	80	28	.	.	PUNCT
fbem-29337	81	1	data	datum	NOUN
fbem-29337	81	2	from	from	ADP
fbem-29337	81	3	the	the	DET
fbem-29337	81	4	people	people	NOUN
fbem-29337	81	5	's	's	PART
fbem-29337	81	6	bank	bank	PROPN
fbem-29337	81	7	of	of	ADP
fbem-29337	81	8	china	china	PROPN
fbem-29337	81	9	indicate	indicate	VERB
fbem-29337	81	10	that	that	SCONJ
fbem-29337	81	11	as	as	ADP
fbem-29337	81	12	of	of	ADP
fbem-29337	81	13	2019	2019	NUM
fbem-29337	81	14	,	,	PUNCT
fbem-29337	81	15	urban	urban	ADJ
fbem-29337	81	16	households	household	NOUN
fbem-29337	81	17	had	have	VERB
fbem-29337	81	18	a	a	DET
fbem-29337	81	19	dfi	dfi	PROPN
fbem-29337	81	20	index	index	NOUN
fbem-29337	81	21	score	score	NOUN
fbem-29337	81	22	of	of	ADP
fbem-29337	81	23	75.3	75.3	NUM
fbem-29337	81	24	,	,	PUNCT
fbem-29337	81	25	compared	compare	VERB
fbem-29337	81	26	to	to	ADP
fbem-29337	81	27	58.2	58.2	NUM
fbem-29337	81	28	for	for	ADP
fbem-29337	81	29	rural	rural	ADJ
fbem-29337	81	30	households	household	NOUN
fbem-29337	81	31	,	,	PUNCT
fbem-29337	81	32	reflecting	reflect	VERB
fbem-29337	81	33	a	a	DET
fbem-29337	81	34	29.3	29.3	NUM
fbem-29337	81	35	%	%	NOUN
fbem-29337	81	36	higher	high	ADJ
fbem-29337	81	37	adoption	adoption	NOUN
fbem-29337	81	38	rate	rate	NOUN
fbem-29337	81	39	in	in	ADP
fbem-29337	81	40	urban	urban	ADJ
fbem-29337	81	41	areas	area	NOUN
fbem-29337	81	42	[	[	X
fbem-29337	81	43	5	5	NUM
fbem-29337	81	44	]	]	PUNCT
fbem-29337	81	45	.	.	PUNCT
fbem-29337	82	1	additionally	additionally	ADV
fbem-29337	82	2	,	,	PUNCT
fbem-29337	82	3	rural	rural	ADJ
fbem-29337	82	4	areas	area	NOUN
fbem-29337	82	5	showed	show	VERB
fbem-29337	82	6	a	a	DET
fbem-29337	82	7	12	12	NUM
fbem-29337	82	8	%	%	NOUN
fbem-29337	82	9	annual	annual	ADJ
fbem-29337	82	10	growth	growth	NOUN
fbem-29337	82	11	rate	rate	NOUN
fbem-29337	82	12	in	in	ADP
fbem-29337	82	13	dfi	dfi	PROPN
fbem-29337	82	14	adoption	adoption	NOUN
fbem-29337	82	15	,	,	PUNCT
fbem-29337	82	16	significantly	significantly	ADV
fbem-29337	82	17	higher	high	ADJ
fbem-29337	82	18	than	than	ADP
fbem-29337	82	19	the	the	DET
fbem-29337	82	20	7	7	NUM
fbem-29337	82	21	%	%	NOUN
fbem-29337	82	22	in	in	ADP
fbem-29337	82	23	urban	urban	ADJ
fbem-29337	82	24	areas	area	NOUN
fbem-29337	82	25	,	,	PUNCT
fbem-29337	82	26	indicating	indicate	VERB
fbem-29337	82	27	their	their	PRON
fbem-29337	82	28	rapid	rapid	ADJ
fbem-29337	82	29	progress	progress	NOUN
fbem-29337	82	30	in	in	ADP
fbem-29337	82	31	catching	catch	VERB
fbem-29337	82	32	up	up	ADP
fbem-29337	82	33	.	.	PUNCT
fbem-29337	83	1	these	these	DET
fbem-29337	83	2	findings	finding	NOUN
fbem-29337	83	3	underscore	underscore	VERB
fbem-29337	83	4	the	the	DET
fbem-29337	83	5	uneven	uneven	ADJ
fbem-29337	83	6	but	but	CCONJ
fbem-29337	83	7	improving	improve	VERB
fbem-29337	83	8	landscape	landscape	NOUN
fbem-29337	83	9	of	of	ADP
fbem-29337	83	10	dfi	dfi	PROPN
fbem-29337	83	11	adoption	adoption	NOUN
fbem-29337	83	12	across	across	ADP
fbem-29337	83	13	geographic	geographic	ADJ
fbem-29337	83	14	regions	region	NOUN
fbem-29337	83	15	,	,	PUNCT
fbem-29337	83	16	emphasizing	emphasize	VERB
fbem-29337	83	17	the	the	DET
fbem-29337	83	18	need	need	NOUN
fbem-29337	83	19	for	for	ADP
fbem-29337	83	20	targeted	target	VERB
fbem-29337	83	21	infrastructure	infrastructure	NOUN
fbem-29337	83	22	investments	investment	NOUN
fbem-29337	83	23	in	in	ADP
fbem-29337	83	24	rural	rural	ADJ
fbem-29337	83	25	areas	area	NOUN
fbem-29337	83	26	to	to	PART
fbem-29337	83	27	sustain	sustain	VERB
fbem-29337	83	28	growth	growth	NOUN
fbem-29337	83	29	and	and	CCONJ
fbem-29337	83	30	maximize	maximize	VERB
fbem-29337	83	31	benefits	benefit	NOUN
fbem-29337	83	32	.	.	PUNCT
fbem-29337	84	1	4.2	4.2	NUM
fbem-29337	84	2	.	.	PUNCT
fbem-29337	85	1	income	income	NOUN
fbem-29337	85	2	-	-	PUNCT
fbem-29337	85	3	based	base	VERB
fbem-29337	85	4	insights	insight	NOUN
fbem-29337	85	5	the	the	DET
fbem-29337	85	6	analysis	analysis	NOUN
fbem-29337	85	7	uses	use	VERB
fbem-29337	85	8	income	income	NOUN
fbem-29337	85	9	levels	level	NOUN
fbem-29337	85	10	as	as	SCONJ
fbem-29337	85	11	instrumental	instrumental	ADJ
fbem-29337	85	12	variables	variable	NOUN
fbem-29337	85	13	to	to	PART
fbem-29337	85	14	assess	assess	VERB
fbem-29337	85	15	dfi	dfi	PROPN
fbem-29337	85	16	's	's	PART
fbem-29337	85	17	impact	impact	NOUN
fbem-29337	85	18	on	on	ADP
fbem-29337	85	19	consumption	consumption	NOUN
fbem-29337	85	20	patterns	pattern	NOUN
fbem-29337	85	21	.	.	PUNCT
fbem-29337	86	1	data	datum	NOUN
fbem-29337	86	2	from	from	ADP
fbem-29337	86	3	the	the	DET
fbem-29337	86	4	china	china	PROPN
fbem-29337	86	5	household	household	PROPN
fbem-29337	86	6	finance	finance	NOUN
fbem-29337	86	7	survey	survey	NOUN
fbem-29337	86	8	(	(	PUNCT
fbem-29337	86	9	chfs	chfs	NOUN
fbem-29337	86	10	)	)	PUNCT
fbem-29337	86	11	reveal	reveal	VERB
fbem-29337	86	12	that	that	SCONJ
fbem-29337	86	13	lowincome	lowincome	NOUN
fbem-29337	86	14	households	household	NOUN
fbem-29337	86	15	(	(	PUNCT
fbem-29337	86	16	bottom	bottom	ADJ
fbem-29337	86	17	30	30	NUM
fbem-29337	86	18	%	%	NOUN
fbem-29337	86	19	of	of	ADP
fbem-29337	86	20	income	income	NOUN
fbem-29337	86	21	distribution	distribution	NOUN
fbem-29337	86	22	)	)	PUNCT
fbem-29337	86	23	allocate	allocate	VERB
fbem-29337	86	24	60	60	NUM
fbem-29337	86	25	%	%	NOUN
fbem-29337	86	26	of	of	ADP
fbem-29337	86	27	their	their	PRON
fbem-29337	86	28	digital	digital	ADJ
fbem-29337	86	29	credit	credit	NOUN
fbem-29337	86	30	to	to	ADP
fbem-29337	86	31	essential	essential	ADJ
fbem-29337	86	32	expenditures	expenditure	NOUN
fbem-29337	86	33	,	,	PUNCT
fbem-29337	86	34	such	such	ADJ
fbem-29337	86	35	as	as	ADP
fbem-29337	86	36	groceries	grocery	NOUN
fbem-29337	86	37	and	and	CCONJ
fbem-29337	86	38	utilities	utility	NOUN
fbem-29337	87	1	[	[	X
fbem-29337	87	2	6	6	NUM
fbem-29337	87	3	]	]	PUNCT
fbem-29337	87	4	.	.	PUNCT
fbem-29337	88	1	in	in	ADP
fbem-29337	88	2	contrast	contrast	NOUN
fbem-29337	88	3	,	,	PUNCT
fbem-29337	88	4	high	high	ADJ
fbem-29337	88	5	-	-	PUNCT
fbem-29337	88	6	income	income	NOUN
fbem-29337	88	7	households	household	NOUN
fbem-29337	88	8	(	(	PUNCT
fbem-29337	88	9	top	top	ADJ
fbem-29337	88	10	20	20	NUM
fbem-29337	88	11	%	%	NOUN
fbem-29337	88	12	)	)	PUNCT
fbem-29337	88	13	allocate	allocate	VERB
fbem-29337	88	14	only	only	ADV
fbem-29337	88	15	35	35	NUM
fbem-29337	88	16	%	%	NOUN
fbem-29337	88	17	to	to	ADP
fbem-29337	88	18	discretionary	discretionary	ADJ
fbem-29337	88	19	spending	spending	NOUN
fbem-29337	88	20	,	,	PUNCT
fbem-29337	88	21	including	include	VERB
fbem-29337	88	22	luxury	luxury	NOUN
fbem-29337	88	23	goods	good	NOUN
fbem-29337	88	24	and	and	CCONJ
fbem-29337	88	25	leisure	leisure	NOUN
fbem-29337	88	26	activities	activity	NOUN
fbem-29337	88	27	.	.	PUNCT
fbem-29337	89	1	these	these	DET
fbem-29337	89	2	findings	finding	NOUN
fbem-29337	89	3	highlight	highlight	VERB
fbem-29337	89	4	the	the	DET
fbem-29337	89	5	role	role	NOUN
fbem-29337	89	6	of	of	ADP
fbem-29337	89	7	dfi	dfi	PROPN
fbem-29337	89	8	in	in	ADP
fbem-29337	89	9	addressing	address	VERB
fbem-29337	89	10	liquidity	liquidity	NOUN
fbem-29337	89	11	constraints	constraint	NOUN
fbem-29337	89	12	for	for	ADP
fbem-29337	89	13	low	low	ADJ
fbem-29337	89	14	-	-	PUNCT
fbem-29337	89	15	income	income	NOUN
fbem-29337	89	16	households	household	NOUN
fbem-29337	89	17	while	while	SCONJ
fbem-29337	89	18	supporting	support	VERB
fbem-29337	89	19	investment	investment	NOUN
fbem-29337	89	20	opportunities	opportunity	NOUN
fbem-29337	89	21	for	for	ADP
fbem-29337	89	22	higher	high	ADJ
fbem-29337	89	23	-	-	PUNCT
fbem-29337	89	24	income	income	NOUN
fbem-29337	89	25	groups	group	NOUN
fbem-29337	89	26	.	.	PUNCT
fbem-29337	90	1	this	this	DET
fbem-29337	90	2	differentiation	differentiation	NOUN
fbem-29337	90	3	underscores	underscore	VERB
fbem-29337	90	4	the	the	DET
fbem-29337	90	5	need	need	NOUN
fbem-29337	90	6	for	for	ADP
fbem-29337	90	7	tailored	tailor	VERB
fbem-29337	90	8	dfi	dfi	PROPN
fbem-29337	90	9	strategies	strategy	NOUN
fbem-29337	90	10	to	to	PART
fbem-29337	90	11	address	address	VERB
fbem-29337	90	12	the	the	DET
fbem-29337	90	13	distinct	distinct	ADJ
fbem-29337	90	14	financial	financial	ADJ
fbem-29337	90	15	behaviors	behavior	NOUN
fbem-29337	90	16	of	of	ADP
fbem-29337	90	17	diverse	diverse	ADJ
fbem-29337	90	18	income	income	NOUN
fbem-29337	90	19	groups	group	NOUN
fbem-29337	90	20	.	.	PUNCT
fbem-29337	91	1	4.3	4.3	NUM
fbem-29337	91	2	.	.	PUNCT
fbem-29337	92	1	regression	regression	VERB
fbem-29337	92	2	analysis	analysis	NOUN
fbem-29337	92	3	to	to	PART
fbem-29337	92	4	assess	assess	VERB
fbem-29337	92	5	the	the	DET
fbem-29337	92	6	impact	impact	NOUN
fbem-29337	92	7	of	of	ADP
fbem-29337	92	8	digital	digital	ADJ
fbem-29337	92	9	financial	financial	ADJ
fbem-29337	92	10	inclusion	inclusion	NOUN
fbem-29337	92	11	(	(	PUNCT
fbem-29337	92	12	dfi	dfi	PROPN
fbem-29337	92	13	)	)	PUNCT
fbem-29337	92	14	on	on	ADP
fbem-29337	92	15	household	household	NOUN
fbem-29337	92	16	consumption	consumption	NOUN
fbem-29337	92	17	,	,	PUNCT
fbem-29337	92	18	the	the	DET
fbem-29337	92	19	study	study	NOUN
fbem-29337	92	20	employs	employ	VERB
fbem-29337	92	21	regression	regression	NOUN
fbem-29337	92	22	analysis	analysis	NOUN
fbem-29337	92	23	with	with	ADP
fbem-29337	92	24	the	the	DET
fbem-29337	92	25	dfi	dfi	PROPN
fbem-29337	92	26	index	index	NOUN
fbem-29337	92	27	as	as	ADP
fbem-29337	92	28	the	the	DET
fbem-29337	92	29	primary	primary	ADJ
fbem-29337	92	30	explanatory	explanatory	ADJ
fbem-29337	92	31	variable	variable	NOUN
fbem-29337	92	32	,	,	PUNCT
fbem-29337	92	33	while	while	SCONJ
fbem-29337	92	34	controlling	control	VERB
fbem-29337	92	35	for	for	ADP
fbem-29337	92	36	income	income	NOUN
fbem-29337	92	37	level	level	NOUN
fbem-29337	92	38	,	,	PUNCT
fbem-29337	92	39	urban	urban	ADJ
fbem-29337	92	40	residency	residency	NOUN
fbem-29337	92	41	,	,	PUNCT
fbem-29337	92	42	and	and	CCONJ
fbem-29337	92	43	education	education	NOUN
fbem-29337	92	44	level	level	NOUN
fbem-29337	92	45	.	.	PUNCT
fbem-29337	93	1	regression	regression	NOUN
fbem-29337	93	2	results	result	NOUN
fbem-29337	93	3	summary	summary	NOUN
fbem-29337	93	4	:	:	PUNCT
fbem-29337	93	5	dfi	dfi	PROPN
fbem-29337	93	6	index	index	PROPN
fbem-29337	93	7	:	:	PUNCT
fbem-29337	93	8	positive	positive	ADJ
fbem-29337	93	9	and	and	CCONJ
fbem-29337	93	10	statistically	statistically	ADV
fbem-29337	93	11	significant	significant	ADJ
fbem-29337	93	12	(	(	PUNCT
fbem-29337	93	13	β	β	X
fbem-29337	93	14	=	=	SYM
fbem-29337	93	15	0.150	0.150	NUM
fbem-29337	93	16	,	,	PUNCT
fbem-29337	93	17	p	p	X
fbem-29337	93	18	=	=	NOUN
fbem-29337	93	19	0.003	0.003	NUM
fbem-29337	93	20	)	)	PUNCT
fbem-29337	93	21	,	,	PUNCT
fbem-29337	93	22	indicating	indicate	VERB
fbem-29337	93	23	that	that	SCONJ
fbem-29337	93	24	a	a	DET
fbem-29337	93	25	1	1	NUM
fbem-29337	93	26	-	-	PUNCT
fbem-29337	93	27	unit	unit	NOUN
fbem-29337	93	28	increase	increase	NOUN
fbem-29337	93	29	in	in	ADP
fbem-29337	93	30	the	the	DET
fbem-29337	93	31	dfi	dfi	PROPN
fbem-29337	93	32	index	index	NOUN
fbem-29337	93	33	raises	raise	VERB
fbem-29337	93	34	household	household	NOUN
fbem-29337	93	35	consumption	consumption	NOUN
fbem-29337	93	36	by	by	ADP
fbem-29337	93	37	0.15	0.15	NUM
fbem-29337	93	38	units	unit	NOUN
fbem-29337	93	39	.	.	PUNCT
fbem-29337	94	1	income	income	NOUN
fbem-29337	94	2	level	level	NOUN
fbem-29337	94	3	:	:	PUNCT
fbem-29337	94	4	strong	strong	ADJ
fbem-29337	94	5	positive	positive	ADJ
fbem-29337	94	6	effect	effect	NOUN
fbem-29337	94	7	(	(	PUNCT
fbem-29337	94	8	β	β	X
fbem-29337	94	9	=	=	PUNCT
fbem-29337	94	10	0.300	0.300	NUM
fbem-29337	94	11	,	,	PUNCT
fbem-29337	94	12	p	p	X
fbem-29337	94	13	<	<	X
fbem-29337	94	14	0.001	0.001	NUM
fbem-29337	94	15	)	)	PUNCT
fbem-29337	94	16	,	,	PUNCT
fbem-29337	94	17	highlighting	highlight	VERB
fbem-29337	94	18	the	the	DET
fbem-29337	94	19	role	role	NOUN
fbem-29337	94	20	of	of	ADP
fbem-29337	94	21	income	income	NOUN
fbem-29337	94	22	in	in	ADP
fbem-29337	94	23	enhancing	enhance	VERB
fbem-29337	94	24	consumption	consumption	NOUN
fbem-29337	94	25	.	.	PUNCT
fbem-29337	95	1	urban	urban	ADJ
fbem-29337	95	2	residency	residency	NOUN
fbem-29337	95	3	:	:	PUNCT
fbem-29337	95	4	marginally	marginally	ADV
fbem-29337	95	5	significant	significant	ADJ
fbem-29337	95	6	(	(	PUNCT
fbem-29337	95	7	β	β	X
fbem-29337	95	8	=	=	NOUN
fbem-29337	95	9	0.100	0.100	NUM
fbem-29337	95	10	,	,	PUNCT
fbem-29337	95	11	p	p	X
fbem-29337	95	12	=	=	NOUN
fbem-29337	95	13	0.097	0.097	NUM
fbem-29337	95	14	)	)	PUNCT
fbem-29337	95	15	,	,	PUNCT
fbem-29337	95	16	suggesting	suggest	VERB
fbem-29337	95	17	a	a	DET
fbem-29337	95	18	weaker	weak	ADJ
fbem-29337	95	19	association	association	NOUN
fbem-29337	95	20	between	between	ADP
fbem-29337	95	21	urban	urban	ADJ
fbem-29337	95	22	residency	residency	NOUN
fbem-29337	95	23	and	and	CCONJ
fbem-29337	95	24	consumption	consumption	NOUN
fbem-29337	95	25	.	.	PUNCT
fbem-29337	96	1	education	education	NOUN
fbem-29337	96	2	level	level	NOUN
fbem-29337	96	3	:	:	PUNCT
fbem-29337	96	4	significant	significant	ADJ
fbem-29337	96	5	positive	positive	ADJ
fbem-29337	96	6	impact	impact	NOUN
fbem-29337	96	7	(	(	PUNCT
fbem-29337	96	8	β	β	X
fbem-29337	96	9	=	=	SYM
fbem-29337	96	10	0.250	0.250	NUM
fbem-29337	96	11	,	,	PUNCT
fbem-29337	96	12	p	p	X
fbem-29337	96	13	=	=	NOUN
fbem-29337	96	14	0.002	0.002	NUM
fbem-29337	96	15	)	)	PUNCT
fbem-29337	96	16	,	,	PUNCT
fbem-29337	96	17	reflecting	reflect	VERB
fbem-29337	96	18	the	the	DET
fbem-29337	96	19	role	role	NOUN
fbem-29337	96	20	of	of	ADP
fbem-29337	96	21	financial	financial	ADJ
fbem-29337	96	22	literacy	literacy	NOUN
fbem-29337	96	23	in	in	ADP
fbem-29337	96	24	maximizing	maximize	VERB
fbem-29337	96	25	dfi	dfi	PROPN
fbem-29337	96	26	benefits	benefit	NOUN
fbem-29337	96	27	.	.	PUNCT
fbem-29337	97	1	conclusion	conclusion	NOUN
fbem-29337	97	2	:	:	PUNCT
fbem-29337	97	3	the	the	DET
fbem-29337	97	4	regression	regression	NOUN
fbem-29337	97	5	analysis	analysis	NOUN
fbem-29337	97	6	demonstrates	demonstrate	VERB
fbem-29337	97	7	that	that	SCONJ
fbem-29337	97	8	dfi	dfi	PROPN
fbem-29337	97	9	has	have	VERB
fbem-29337	97	10	a	a	DET
fbem-29337	97	11	statistically	statistically	ADV
fbem-29337	97	12	significant	significant	ADJ
fbem-29337	97	13	positive	positive	ADJ
fbem-29337	97	14	effect	effect	NOUN
fbem-29337	97	15	on	on	ADP
fbem-29337	97	16	household	household	NOUN
fbem-29337	97	17	consumption	consumption	NOUN
fbem-29337	97	18	,	,	PUNCT
fbem-29337	97	19	especially	especially	ADV
fbem-29337	97	20	for	for	ADP
fbem-29337	97	21	households	household	NOUN
fbem-29337	97	22	with	with	ADP
fbem-29337	97	23	higher	high	ADJ
fbem-29337	97	24	education	education	NOUN
fbem-29337	97	25	levels	level	NOUN
fbem-29337	97	26	and	and	CCONJ
fbem-29337	97	27	income	income	NOUN
fbem-29337	97	28	.	.	PUNCT
fbem-29337	98	1	these	these	DET
fbem-29337	98	2	findings	finding	NOUN
fbem-29337	98	3	align	align	VERB
fbem-29337	98	4	with	with	ADP
fbem-29337	98	5	the	the	DET
fbem-29337	98	6	research	research	NOUN
fbem-29337	98	7	goal	goal	NOUN
fbem-29337	98	8	of	of	ADP
fbem-29337	98	9	examining	examine	VERB
fbem-29337	98	10	how	how	SCONJ
fbem-29337	98	11	dfi	dfi	PROPN
fbem-29337	98	12	alleviates	alleviate	VERB
fbem-29337	98	13	financial	financial	ADJ
fbem-29337	98	14	constraints	constraint	NOUN
fbem-29337	98	15	and	and	CCONJ
fbem-29337	98	16	promotes	promote	VERB
fbem-29337	98	17	economic	economic	ADJ
fbem-29337	98	18	participation	participation	NOUN
fbem-29337	98	19	.	.	PUNCT
fbem-29337	99	1	4.4	4.4	NUM
fbem-29337	99	2	.	.	PUNCT
fbem-29337	99	3	subgroup	subgroup	PROPN
fbem-29337	99	4	results	result	VERB
fbem-29337	99	5	4.4.1	4.4.1	NUM
fbem-29337	99	6	.	.	PUNCT
fbem-29337	100	1	women	woman	NOUN
fbem-29337	100	2	-	-	PUNCT
fbem-29337	100	3	led	lead	VERB
fbem-29337	100	4	households	household	NOUN
fbem-29337	100	5	this	this	DET
fbem-29337	100	6	analysis	analysis	NOUN
fbem-29337	100	7	uses	use	VERB
fbem-29337	100	8	gender	gender	NOUN
fbem-29337	100	9	as	as	ADP
fbem-29337	100	10	a	a	DET
fbem-29337	100	11	subgroup	subgroup	NOUN
fbem-29337	100	12	variable	variable	NOUN
fbem-29337	100	13	to	to	PART
fbem-29337	100	14	investigate	investigate	VERB
fbem-29337	100	15	the	the	DET
fbem-29337	100	16	differentiated	differentiated	ADJ
fbem-29337	100	17	effects	effect	NOUN
fbem-29337	100	18	of	of	ADP
fbem-29337	100	19	dfi	dfi	PROPN
fbem-29337	100	20	.	.	PUNCT
fbem-29337	101	1	results	result	NOUN
fbem-29337	101	2	from	from	ADP
fbem-29337	101	3	the	the	DET
fbem-29337	101	4	study	study	NOUN
fbem-29337	101	5	show	show	VERB
fbem-29337	101	6	that	that	SCONJ
fbem-29337	101	7	women	woman	NOUN
fbem-29337	101	8	-	-	PUNCT
fbem-29337	101	9	led	lead	VERB
fbem-29337	101	10	households	household	NOUN
fbem-29337	101	11	experienced	experience	VERB
fbem-29337	101	12	a	a	DET
fbem-29337	101	13	14.8	14.8	NUM
fbem-29337	101	14	%	%	NOUN
fbem-29337	101	15	increase	increase	NOUN
fbem-29337	101	16	in	in	ADP
fbem-29337	101	17	consumption	consumption	NOUN
fbem-29337	101	18	,	,	PUNCT
fbem-29337	101	19	compared	compare	VERB
fbem-29337	101	20	to	to	ADP
fbem-29337	101	21	12.5	12.5	NUM
fbem-29337	101	22	%	%	NOUN
fbem-29337	101	23	in	in	ADP
fbem-29337	101	24	male	male	NOUN
fbem-29337	101	25	-	-	PUNCT
fbem-29337	101	26	led	lead	VERB
fbem-29337	101	27	households	household	NOUN
fbem-29337	102	1	[	[	X
fbem-29337	102	2	7	7	NUM
fbem-29337	102	3	]	]	PUNCT
fbem-29337	102	4	.	.	PUNCT
fbem-29337	103	1	the	the	DET
fbem-29337	103	2	stronger	strong	ADJ
fbem-29337	103	3	effect	effect	NOUN
fbem-29337	103	4	for	for	ADP
fbem-29337	103	5	women	woman	NOUN
fbem-29337	103	6	-	-	PUNCT
fbem-29337	103	7	led	lead	VERB
fbem-29337	103	8	households	household	NOUN
fbem-29337	103	9	highlights	highlight	NOUN
fbem-29337	103	10	dfi	dfi	PROPN
fbem-29337	103	11	's	's	PART
fbem-29337	103	12	role	role	NOUN
fbem-29337	103	13	in	in	ADP
fbem-29337	103	14	empowering	empower	VERB
fbem-29337	103	15	women	woman	NOUN
fbem-29337	103	16	to	to	PART
fbem-29337	103	17	allocate	allocate	VERB
fbem-29337	103	18	financial	financial	ADJ
fbem-29337	103	19	resources	resource	NOUN
fbem-29337	103	20	effectively	effectively	ADV
fbem-29337	103	21	.	.	PUNCT
fbem-29337	104	1	4.4.2	4.4.2	X
fbem-29337	104	2	.	.	PUNCT
fbem-29337	104	3	rural	rural	ADJ
fbem-29337	104	4	regions	region	NOUN
fbem-29337	104	5	the	the	DET
fbem-29337	104	6	study	study	NOUN
fbem-29337	104	7	also	also	ADV
fbem-29337	104	8	evaluates	evaluate	VERB
fbem-29337	104	9	dfi	dfi	PROPN
fbem-29337	104	10	's	's	PART
fbem-29337	104	11	impact	impact	NOUN
fbem-29337	104	12	across	across	ADP
fbem-29337	104	13	urban	urban	ADJ
fbem-29337	104	14	and	and	CCONJ
fbem-29337	104	15	rural	rural	ADJ
fbem-29337	104	16	households	household	NOUN
fbem-29337	104	17	.	.	PUNCT
fbem-29337	105	1	data	datum	NOUN
fbem-29337	105	2	from	from	ADP
fbem-29337	105	3	the	the	DET
fbem-29337	105	4	world	world	NOUN
fbem-29337	105	5	bank	bank	PROPN
fbem-29337	105	6	indicate	indicate	VERB
fbem-29337	105	7	that	that	SCONJ
fbem-29337	105	8	rural	rural	ADJ
fbem-29337	105	9	households	household	NOUN
fbem-29337	105	10	saw	see	VERB
fbem-29337	105	11	a	a	DET
fbem-29337	105	12	22	22	NUM
fbem-29337	105	13	%	%	NOUN
fbem-29337	105	14	increase	increase	NOUN
fbem-29337	105	15	in	in	ADP
fbem-29337	105	16	consumption	consumption	NOUN
fbem-29337	105	17	postdfi	postdfi	NOUN
fbem-29337	105	18	adoption	adoption	NOUN
fbem-29337	105	19	,	,	PUNCT
fbem-29337	105	20	compared	compare	VERB
fbem-29337	105	21	to	to	ADP
fbem-29337	105	22	an	an	DET
fbem-29337	105	23	18	18	NUM
fbem-29337	105	24	%	%	NOUN
fbem-29337	105	25	increase	increase	NOUN
fbem-29337	105	26	in	in	ADP
fbem-29337	105	27	urban	urban	ADJ
fbem-29337	105	28	households	household	NOUN
fbem-29337	105	29	[	[	X
fbem-29337	105	30	8	8	NUM
fbem-29337	105	31	]	]	PUNCT
fbem-29337	105	32	.	.	PUNCT
fbem-29337	106	1	these	these	DET
fbem-29337	106	2	findings	finding	NOUN
fbem-29337	106	3	underscore	underscore	VERB
fbem-29337	106	4	dfi	dfi	PROPN
fbem-29337	106	5	's	's	PART
fbem-29337	106	6	transformative	transformative	ADJ
fbem-29337	106	7	role	role	NOUN
fbem-29337	106	8	in	in	ADP
fbem-29337	106	9	reducing	reduce	VERB
fbem-29337	106	10	rural	rural	ADJ
fbem-29337	106	11	-	-	PUNCT
fbem-29337	106	12	urban	urban	ADJ
fbem-29337	106	13	financial	financial	ADJ
fbem-29337	106	14	disparities	disparity	NOUN
fbem-29337	106	15	.	.	PUNCT
fbem-29337	107	1	4.4.3	4.4.3	NUM
fbem-29337	107	2	.	.	NOUN
fbem-29337	107	3	conclusion	conclusion	NOUN
fbem-29337	107	4	for	for	ADP
fbem-29337	107	5	chapter	chapter	NOUN
fbem-29337	107	6	4	4	NUM
fbem-29337	107	7	by	by	ADP
fbem-29337	107	8	incorporating	incorporate	VERB
fbem-29337	107	9	subgroup	subgroup	ADJ
fbem-29337	107	10	analysis	analysis	NOUN
fbem-29337	107	11	and	and	CCONJ
fbem-29337	107	12	regression	regression	NOUN
fbem-29337	107	13	findings	finding	NOUN
fbem-29337	107	14	,	,	PUNCT
fbem-29337	107	15	chapter	chapter	NOUN
fbem-29337	107	16	5	5	NUM
fbem-29337	107	17	provides	provide	VERB
fbem-29337	107	18	robust	robust	ADJ
fbem-29337	107	19	evidence	evidence	NOUN
fbem-29337	107	20	that	that	SCONJ
fbem-29337	107	21	dfi	dfi	PROPN
fbem-29337	107	22	significantly	significantly	ADV
fbem-29337	107	23	boosts	boost	VERB
fbem-29337	107	24	household	household	NOUN
fbem-29337	107	25	consumption	consumption	NOUN
fbem-29337	107	26	.	.	PUNCT
fbem-29337	108	1	the	the	DET
fbem-29337	108	2	positive	positive	ADJ
fbem-29337	108	3	impact	impact	NOUN
fbem-29337	108	4	is	be	AUX
fbem-29337	108	5	especially	especially	ADV
fbem-29337	108	6	pronounced	pronounce	VERB
fbem-29337	108	7	for	for	ADP
fbem-29337	108	8	women	woman	NOUN
fbem-29337	108	9	-	-	PUNCT
fbem-29337	108	10	led	lead	VERB
fbem-29337	108	11	and	and	CCONJ
fbem-29337	108	12	rural	rural	ADJ
fbem-29337	108	13	households	household	NOUN
fbem-29337	108	14	,	,	PUNCT
fbem-29337	108	15	emphasizing	emphasize	VERB
fbem-29337	108	16	the	the	DET
fbem-29337	108	17	importance	importance	NOUN
fbem-29337	108	18	of	of	ADP
fbem-29337	108	19	tailored	tailor	VERB
fbem-29337	108	20	dfi	dfi	PROPN
fbem-29337	108	21	initiatives	initiative	NOUN
fbem-29337	108	22	to	to	PART
fbem-29337	108	23	address	address	VERB
fbem-29337	108	24	demographic	demographic	ADJ
fbem-29337	108	25	and	and	CCONJ
fbem-29337	108	26	regional	regional	ADJ
fbem-29337	108	27	disparities	disparity	NOUN
fbem-29337	108	28	.	.	PUNCT
fbem-29337	109	1	these	these	DET
fbem-29337	109	2	insights	insight	NOUN
fbem-29337	109	3	directly	directly	ADV
fbem-29337	109	4	align	align	VERB
fbem-29337	109	5	with	with	ADP
fbem-29337	109	6	the	the	DET
fbem-29337	109	7	study	study	NOUN
fbem-29337	109	8	's	's	PART
fbem-29337	109	9	objective	objective	NOUN
fbem-29337	109	10	of	of	ADP
fbem-29337	109	11	analyzing	analyze	VERB
fbem-29337	109	12	dfi	dfi	PROPN
fbem-29337	109	13	's	's	PART
fbem-29337	109	14	role	role	NOUN
fbem-29337	109	15	in	in	ADP
fbem-29337	109	16	fostering	foster	VERB
fbem-29337	109	17	inclusive	inclusive	ADJ
fbem-29337	109	18	economic	economic	ADJ
fbem-29337	109	19	growth	growth	NOUN
fbem-29337	109	20	.	.	PUNCT
fbem-29337	110	1	5	5	X
fbem-29337	110	2	.	.	X
fbem-29337	110	3	additional	additional	ADJ
fbem-29337	110	4	arguments	argument	NOUN
fbem-29337	110	5	this	this	DET
fbem-29337	110	6	section	section	NOUN
fbem-29337	110	7	examines	examine	VERB
fbem-29337	110	8	how	how	SCONJ
fbem-29337	110	9	digital	digital	ADJ
fbem-29337	110	10	financial	financial	ADJ
fbem-29337	110	11	inclusion	inclusion	NOUN
fbem-29337	110	12	(	(	PUNCT
fbem-29337	110	13	dfi	dfi	PROPN
fbem-29337	110	14	)	)	PUNCT
fbem-29337	110	15	impacts	impact	VERB
fbem-29337	110	16	long	long	ADJ
fbem-29337	110	17	-	-	PUNCT
fbem-29337	110	18	term	term	NOUN
fbem-29337	110	19	economic	economic	ADJ
fbem-29337	110	20	stability	stability	NOUN
fbem-29337	110	21	and	and	CCONJ
fbem-29337	110	22	enhances	enhance	VERB
fbem-29337	110	23	investments	investment	NOUN
fbem-29337	110	24	in	in	ADP
fbem-29337	110	25	education	education	NOUN
fbem-29337	110	26	and	and	CCONJ
fbem-29337	110	27	healthcare	healthcare	NOUN
fbem-29337	110	28	,	,	PUNCT
fbem-29337	110	29	aligning	align	VERB
fbem-29337	110	30	with	with	ADP
fbem-29337	110	31	the	the	DET
fbem-29337	110	32	study	study	NOUN
fbem-29337	110	33	's	's	PART
fbem-29337	110	34	focus	focus	NOUN
fbem-29337	110	35	on	on	ADP
fbem-29337	110	36	dfi	dfi	PROPN
fbem-29337	110	37	's	's	PART
fbem-29337	110	38	role	role	NOUN
fbem-29337	110	39	in	in	ADP
fbem-29337	110	40	improving	improve	VERB
fbem-29337	110	41	household	household	NOUN
fbem-29337	110	42	wellbeing	wellbee	VERB
fbem-29337	110	43	and	and	CCONJ
fbem-29337	110	44	fostering	foster	VERB
fbem-29337	110	45	sustainable	sustainable	ADJ
fbem-29337	110	46	development	development	NOUN
fbem-29337	110	47	.	.	PUNCT
fbem-29337	111	1	5.1	5.1	NUM
fbem-29337	111	2	.	.	PUNCT
fbem-29337	112	1	dfi	dfi	PROPN
fbem-29337	112	2	and	and	CCONJ
fbem-29337	112	3	long	long	ADJ
fbem-29337	112	4	-	-	PUNCT
fbem-29337	112	5	term	term	NOUN
fbem-29337	112	6	economic	economic	ADJ
fbem-29337	112	7	stability	stability	NOUN
fbem-29337	112	8	5.2	5.2	NUM
fbem-29337	112	9	.	.	PUNCT
fbem-29337	113	1	savings	saving	NOUN
fbem-29337	113	2	mobilization	mobilization	NOUN
fbem-29337	113	3	the	the	DET
fbem-29337	113	4	study	study	NOUN
fbem-29337	113	5	uses	use	VERB
fbem-29337	113	6	savings	saving	NOUN
fbem-29337	113	7	rates	rate	NOUN
fbem-29337	113	8	as	as	ADP
fbem-29337	113	9	a	a	DET
fbem-29337	113	10	key	key	ADJ
fbem-29337	113	11	indicator	indicator	NOUN
fbem-29337	113	12	to	to	PART
fbem-29337	113	13	evaluate	evaluate	VERB
fbem-29337	113	14	dfi	dfi	PROPN
fbem-29337	113	15	's	's	PART
fbem-29337	113	16	impact	impact	NOUN
fbem-29337	113	17	on	on	ADP
fbem-29337	113	18	economic	economic	ADJ
fbem-29337	113	19	resilience	resilience	NOUN
fbem-29337	113	20	.	.	PUNCT
fbem-29337	114	1	households	household	NOUN
fbem-29337	114	2	with	with	ADP
fbem-29337	114	3	access	access	NOUN
fbem-29337	114	4	to	to	ADP
fbem-29337	114	5	dfi	dfi	PROPN
fbem-29337	114	6	platforms	platform	NOUN
fbem-29337	114	7	report	report	VERB
fbem-29337	114	8	a	a	DET
fbem-29337	114	9	20	20	NUM
fbem-29337	114	10	%	%	NOUN
fbem-29337	114	11	savings	saving	NOUN
fbem-29337	114	12	rate	rate	NOUN
fbem-29337	114	13	,	,	PUNCT
fbem-29337	114	14	compared	compare	VERB
fbem-29337	114	15	to	to	ADP
fbem-29337	114	16	15	15	NUM
fbem-29337	114	17	%	%	NOUN
fbem-29337	114	18	for	for	ADP
fbem-29337	114	19	those	those	PRON
fbem-29337	114	20	without	without	ADP
fbem-29337	114	21	access	access	NOUN
fbem-29337	114	22	—	—	PUNCT
fbem-29337	114	23	a	a	DET
fbem-29337	114	24	33	33	NUM
fbem-29337	114	25	%	%	NOUN
fbem-29337	114	26	improvement	improvement	NOUN
fbem-29337	114	27	.	.	PUNCT
fbem-29337	115	1	this	this	DET
fbem-29337	115	2	finding	find	VERB
fbem-29337	115	3	highlights	highlight	NOUN
fbem-29337	115	4	how	how	SCONJ
fbem-29337	115	5	dfi	dfi	PROPN
fbem-29337	115	6	tools	tool	NOUN
fbem-29337	115	7	,	,	PUNCT
fbem-29337	115	8	such	such	ADJ
fbem-29337	115	9	as	as	ADP
fbem-29337	115	10	mobile	mobile	ADJ
fbem-29337	115	11	banking	banking	NOUN
fbem-29337	115	12	apps	app	NOUN
fbem-29337	115	13	and	and	CCONJ
fbem-29337	115	14	automated	automated	ADJ
fbem-29337	115	15	savings	saving	NOUN
fbem-29337	115	16	,	,	PUNCT
fbem-29337	115	17	help	help	VERB
fbem-29337	115	18	households	household	NOUN
fbem-29337	115	19	build	build	VERB
fbem-29337	115	20	financial	financial	ADJ
fbem-29337	115	21	buffers	buffer	NOUN
fbem-29337	115	22	against	against	ADP
fbem-29337	115	23	unexpected	unexpected	ADJ
fbem-29337	115	24	economic	economic	ADJ
fbem-29337	115	25	shocks	shock	NOUN
fbem-29337	115	26	.	.	PUNCT
fbem-29337	116	1	income	income	NOUN
fbem-29337	116	2	smoothing	smooth	VERB
fbem-29337	116	3	dfi	dfi	PROPN
fbem-29337	116	4	adoption	adoption	NOUN
fbem-29337	116	5	provides	provide	VERB
fbem-29337	116	6	low	low	ADJ
fbem-29337	116	7	-	-	PUNCT
fbem-29337	116	8	income	income	NOUN
fbem-29337	116	9	households	household	NOUN
fbem-29337	116	10	with	with	ADP
fbem-29337	116	11	microcredit	microcredit	NOUN
fbem-29337	116	12	solutions	solution	NOUN
fbem-29337	116	13	,	,	PUNCT
fbem-29337	116	14	helping	help	VERB
fbem-29337	116	15	to	to	PART
fbem-29337	116	16	bridge	bridge	VERB
fbem-29337	116	17	income	income	NOUN
fbem-29337	116	18	gaps	gap	NOUN
fbem-29337	116	19	during	during	ADP
fbem-29337	116	20	periods	period	NOUN
fbem-29337	116	21	of	of	ADP
fbem-29337	116	22	economic	economic	ADJ
fbem-29337	116	23	volatility	volatility	NOUN
fbem-29337	116	24	.	.	PUNCT
fbem-29337	117	1	regression	regression	NOUN
fbem-29337	117	2	analysis	analysis	NOUN
fbem-29337	117	3	indicates	indicate	VERB
fbem-29337	117	4	that	that	SCONJ
fbem-29337	117	5	households	household	NOUN
fbem-29337	117	6	using	use	VERB
fbem-29337	117	7	dfi	dfi	PROPN
fbem-29337	117	8	experience	experience	NOUN
fbem-29337	117	9	a	a	DET
fbem-29337	117	10	12	12	NUM
fbem-29337	117	11	%	%	NOUN
fbem-29337	117	12	increase	increase	NOUN
fbem-29337	117	13	in	in	ADP
fbem-29337	117	14	income	income	NOUN
fbem-29337	117	15	stability	stability	NOUN
fbem-29337	117	16	and	and	CCONJ
fbem-29337	117	17	a	a	DET
fbem-29337	117	18	10	10	NUM
fbem-29337	117	19	%	%	NOUN
fbem-29337	117	20	improvement	improvement	NOUN
fbem-29337	117	21	in	in	ADP
fbem-29337	117	22	consumption	consumption	NOUN
fbem-29337	117	23	stability	stability	NOUN
fbem-29337	117	24	.	.	PUNCT
fbem-29337	118	1	these	these	DET
fbem-29337	118	2	results	result	NOUN
fbem-29337	118	3	suggest	suggest	VERB
fbem-29337	118	4	that	that	SCONJ
fbem-29337	118	5	digital	digital	ADJ
fbem-29337	118	6	financial	financial	ADJ
fbem-29337	118	7	tools	tool	NOUN
fbem-29337	118	8	effectively	effectively	ADV
fbem-29337	118	9	reduce	reduce	VERB
fbem-29337	118	10	reliance	reliance	NOUN
fbem-29337	118	11	on	on	ADP
fbem-29337	118	12	informal	informal	ADJ
fbem-29337	118	13	lending	lending	NOUN
fbem-29337	118	14	and	and	CCONJ
fbem-29337	118	15	promote	promote	VERB
fbem-29337	118	16	consistent	consistent	ADJ
fbem-29337	118	17	spending	spending	NOUN
fbem-29337	118	18	behavior	behavior	NOUN
fbem-29337	118	19	.	.	PUNCT
fbem-29337	119	1	conclusion	conclusion	NOUN
fbem-29337	119	2	:	:	PUNCT
fbem-29337	119	3	dfi	dfi	PROPN
fbem-29337	119	4	facilitates	facilitate	VERB
fbem-29337	119	5	systematic	systematic	ADJ
fbem-29337	119	6	savings	saving	NOUN
fbem-29337	119	7	and	and	CCONJ
fbem-29337	119	8	steady	steady	ADJ
fbem-29337	119	9	income	income	NOUN
fbem-29337	119	10	streams	stream	NOUN
fbem-29337	119	11	,	,	PUNCT
fbem-29337	119	12	enhancing	enhance	VERB
fbem-29337	119	13	household	household	NOUN
fbem-29337	119	14	financial	financial	ADJ
fbem-29337	119	15	security	security	NOUN
fbem-29337	119	16	and	and	CCONJ
fbem-29337	119	17	long	long	ADJ
fbem-29337	119	18	-	-	PUNCT
fbem-29337	119	19	term	term	NOUN
fbem-29337	119	20	economic	economic	ADJ
fbem-29337	119	21	stability	stability	NOUN
fbem-29337	119	22	.	.	PUNCT
fbem-29337	120	1	5.3	5.3	NUM
fbem-29337	120	2	.	.	PUNCT
fbem-29337	120	3	role	role	NOUN
fbem-29337	120	4	in	in	ADP
fbem-29337	120	5	education	education	NOUN
fbem-29337	120	6	and	and	CCONJ
fbem-29337	120	7	healthcare	healthcare	PROPN
fbem-29337	120	8	education	education	NOUN
fbem-29337	120	9	investments	investment	NOUN
fbem-29337	120	10	education	education	NOUN
fbem-29337	120	11	expenditures	expenditure	NOUN
fbem-29337	120	12	serve	serve	VERB
fbem-29337	120	13	as	as	ADP
fbem-29337	120	14	a	a	DET
fbem-29337	120	15	key	key	ADJ
fbem-29337	120	16	variable	variable	NOUN
fbem-29337	120	17	in	in	ADP
fbem-29337	120	18	this	this	DET
fbem-29337	120	19	analysis	analysis	NOUN
fbem-29337	120	20	.	.	PUNCT
fbem-29337	121	1	households	household	NOUN
fbem-29337	121	2	adopting	adopt	VERB
fbem-29337	121	3	dfi	dfi	PROPN
fbem-29337	121	4	allocate	allocate	VERB
fbem-29337	121	5	25	25	NUM
fbem-29337	121	6	%	%	NOUN
fbem-29337	121	7	of	of	ADP
fbem-29337	121	8	their	their	PRON
fbem-29337	121	9	income	income	NOUN
fbem-29337	121	10	to	to	ADP
fbem-29337	121	11	education	education	NOUN
fbem-29337	121	12	compared	compare	VERB
fbem-29337	121	13	to	to	ADP
fbem-29337	121	14	15	15	NUM
fbem-29337	121	15	%	%	NOUN
fbem-29337	121	16	for	for	ADP
fbem-29337	121	17	non	non	ADJ
fbem-29337	121	18	-	-	ADJ
fbem-29337	121	19	dfi	dfi	ADJ
fbem-29337	121	20	households	household	NOUN
fbem-29337	121	21	,	,	PUNCT
fbem-29337	121	22	representing	represent	VERB
fbem-29337	121	23	a	a	DET
fbem-29337	121	24	67	67	NUM
fbem-29337	121	25	%	%	NOUN
fbem-29337	121	26	increase	increase	NOUN
fbem-29337	121	27	.	.	PUNCT
fbem-29337	122	1	this	this	DET
fbem-29337	122	2	allocation	allocation	NOUN
fbem-29337	122	3	200	200	NUM
fbem-29337	122	4	supports	support	VERB
fbem-29337	122	5	consistent	consistent	ADJ
fbem-29337	122	6	school	school	NOUN
fbem-29337	122	7	attendance	attendance	NOUN
fbem-29337	122	8	and	and	CCONJ
fbem-29337	122	9	access	access	NOUN
fbem-29337	122	10	to	to	ADP
fbem-29337	122	11	higher	high	ADJ
fbem-29337	122	12	education	education	NOUN
fbem-29337	122	13	,	,	PUNCT
fbem-29337	122	14	particularly	particularly	ADV
fbem-29337	122	15	for	for	ADP
fbem-29337	122	16	low	low	ADJ
fbem-29337	122	17	-	-	PUNCT
fbem-29337	122	18	income	income	NOUN
fbem-29337	122	19	families	family	NOUN
fbem-29337	122	20	.	.	PUNCT
fbem-29337	123	1	healthcare	healthcare	NOUN
fbem-29337	123	2	expenditures	expenditure	NOUN
fbem-29337	123	3	healthcare	healthcare	PROPN
fbem-29337	123	4	spending	spending	NOUN
fbem-29337	123	5	is	be	AUX
fbem-29337	123	6	another	another	DET
fbem-29337	123	7	critical	critical	ADJ
fbem-29337	123	8	indicator	indicator	NOUN
fbem-29337	123	9	.	.	PUNCT
fbem-29337	124	1	households	household	NOUN
fbem-29337	124	2	with	with	ADP
fbem-29337	124	3	dfi	dfi	PROPN
fbem-29337	124	4	access	access	NOUN
fbem-29337	124	5	allocate	allocate	VERB
fbem-29337	124	6	20	20	NUM
fbem-29337	124	7	%	%	NOUN
fbem-29337	124	8	of	of	ADP
fbem-29337	124	9	their	their	PRON
fbem-29337	124	10	income	income	NOUN
fbem-29337	124	11	to	to	ADP
fbem-29337	124	12	healthcare	healthcare	NOUN
fbem-29337	124	13	compared	compare	VERB
fbem-29337	124	14	to	to	ADP
fbem-29337	124	15	10	10	NUM
fbem-29337	124	16	%	%	NOUN
fbem-29337	124	17	for	for	ADP
fbem-29337	124	18	those	those	PRON
fbem-29337	124	19	without	without	ADP
fbem-29337	124	20	dfi	dfi	PROPN
fbem-29337	124	21	,	,	PUNCT
fbem-29337	124	22	a	a	DET
fbem-29337	124	23	100	100	NUM
fbem-29337	124	24	%	%	NOUN
fbem-29337	124	25	increase	increase	NOUN
fbem-29337	124	26	.	.	PUNCT
fbem-29337	125	1	additionally	additionally	ADV
fbem-29337	125	2	,	,	PUNCT
fbem-29337	125	3	untreated	untreated	ADJ
fbem-29337	125	4	illness	illness	NOUN
fbem-29337	125	5	rates	rate	NOUN
fbem-29337	125	6	drop	drop	VERB
fbem-29337	125	7	from	from	ADP
fbem-29337	125	8	20	20	NUM
fbem-29337	125	9	%	%	NOUN
fbem-29337	125	10	to	to	PART
fbem-29337	125	11	10	10	NUM
fbem-29337	125	12	%	%	NOUN
fbem-29337	125	13	,	,	PUNCT
fbem-29337	125	14	demonstrating	demonstrate	VERB
fbem-29337	125	15	how	how	SCONJ
fbem-29337	125	16	dfi	dfi	PROPN
fbem-29337	125	17	reduces	reduce	VERB
fbem-29337	125	18	financial	financial	ADJ
fbem-29337	125	19	barriers	barrier	NOUN
fbem-29337	125	20	to	to	ADP
fbem-29337	125	21	medical	medical	ADJ
fbem-29337	125	22	care	care	NOUN
fbem-29337	125	23	.	.	PUNCT
fbem-29337	126	1	conclusion	conclusion	NOUN
fbem-29337	126	2	:	:	PUNCT
fbem-29337	126	3	dfi	dfi	PROPN
fbem-29337	126	4	empowers	empower	VERB
fbem-29337	126	5	households	household	NOUN
fbem-29337	126	6	to	to	PART
fbem-29337	126	7	make	make	VERB
fbem-29337	126	8	sustainable	sustainable	ADJ
fbem-29337	126	9	investments	investment	NOUN
fbem-29337	126	10	in	in	ADP
fbem-29337	126	11	education	education	NOUN
fbem-29337	126	12	and	and	CCONJ
fbem-29337	126	13	healthcare	healthcare	PROPN
fbem-29337	126	14	,	,	PUNCT
fbem-29337	126	15	contributing	contribute	VERB
fbem-29337	126	16	to	to	ADP
fbem-29337	126	17	long	long	ADJ
fbem-29337	126	18	-	-	PUNCT
fbem-29337	126	19	term	term	NOUN
fbem-29337	126	20	human	human	ADJ
fbem-29337	126	21	capital	capital	NOUN
fbem-29337	126	22	development	development	NOUN
fbem-29337	126	23	and	and	CCONJ
fbem-29337	126	24	economic	economic	ADJ
fbem-29337	126	25	resilience	resilience	NOUN
fbem-29337	126	26	.	.	PUNCT
fbem-29337	127	1	focus	focus	VERB
fbem-29337	127	2	and	and	CCONJ
fbem-29337	127	3	relevance	relevance	VERB
fbem-29337	127	4	this	this	DET
fbem-29337	127	5	analysis	analysis	NOUN
fbem-29337	127	6	directly	directly	ADV
fbem-29337	127	7	ties	tie	VERB
fbem-29337	127	8	to	to	ADP
fbem-29337	127	9	the	the	DET
fbem-29337	127	10	study	study	NOUN
fbem-29337	127	11	’s	’s	PART
fbem-29337	127	12	goal	goal	NOUN
fbem-29337	127	13	of	of	ADP
fbem-29337	127	14	evaluating	evaluate	VERB
fbem-29337	127	15	dfi	dfi	PROPN
fbem-29337	127	16	's	's	PART
fbem-29337	127	17	broader	broad	ADJ
fbem-29337	127	18	socioeconomic	socioeconomic	ADJ
fbem-29337	127	19	impact	impact	NOUN
fbem-29337	127	20	.	.	PUNCT
fbem-29337	128	1	by	by	ADP
fbem-29337	128	2	identifying	identify	VERB
fbem-29337	128	3	savings	saving	NOUN
fbem-29337	128	4	,	,	PUNCT
fbem-29337	128	5	income	income	NOUN
fbem-29337	128	6	smoothing	smoothing	NOUN
fbem-29337	128	7	,	,	PUNCT
fbem-29337	128	8	and	and	CCONJ
fbem-29337	128	9	investments	investment	NOUN
fbem-29337	128	10	in	in	ADP
fbem-29337	128	11	education	education	NOUN
fbem-29337	128	12	and	and	CCONJ
fbem-29337	128	13	healthcare	healthcare	NOUN
fbem-29337	128	14	as	as	ADP
fbem-29337	128	15	measurable	measurable	ADJ
fbem-29337	128	16	outcomes	outcome	NOUN
fbem-29337	128	17	,	,	PUNCT
fbem-29337	128	18	the	the	DET
fbem-29337	128	19	findings	finding	NOUN
fbem-29337	128	20	emphasize	emphasize	VERB
fbem-29337	128	21	dfi	dfi	PROPN
fbem-29337	128	22	's	's	PART
fbem-29337	128	23	transformative	transformative	ADJ
fbem-29337	128	24	potential	potential	NOUN
fbem-29337	128	25	in	in	ADP
fbem-29337	128	26	improving	improve	VERB
fbem-29337	128	27	household	household	NOUN
fbem-29337	128	28	wellbeing	wellbee	VERB
fbem-29337	128	29	and	and	CCONJ
fbem-29337	128	30	reducing	reduce	VERB
fbem-29337	128	31	financial	financial	ADJ
fbem-29337	128	32	vulnerabilities	vulnerability	NOUN
fbem-29337	128	33	.	.	PUNCT
fbem-29337	129	1	6	6	X
fbem-29337	129	2	.	.	X
fbem-29337	129	3	discussion	discussion	NOUN
fbem-29337	129	4	this	this	DET
fbem-29337	129	5	section	section	NOUN
fbem-29337	129	6	summarizes	summarize	VERB
fbem-29337	129	7	the	the	DET
fbem-29337	129	8	study	study	NOUN
fbem-29337	129	9	’s	’s	PART
fbem-29337	129	10	findings	finding	NOUN
fbem-29337	129	11	,	,	PUNCT
fbem-29337	129	12	provides	provide	VERB
fbem-29337	129	13	actionable	actionable	ADJ
fbem-29337	129	14	policy	policy	NOUN
fbem-29337	129	15	recommendations	recommendation	NOUN
fbem-29337	129	16	,	,	PUNCT
fbem-29337	129	17	and	and	CCONJ
fbem-29337	129	18	identifies	identify	VERB
fbem-29337	129	19	future	future	ADJ
fbem-29337	129	20	research	research	NOUN
fbem-29337	129	21	directions	direction	NOUN
fbem-29337	129	22	to	to	PART
fbem-29337	129	23	enhance	enhance	VERB
fbem-29337	129	24	digital	digital	ADJ
fbem-29337	129	25	financial	financial	ADJ
fbem-29337	129	26	inclusion	inclusion	NOUN
fbem-29337	129	27	(	(	PUNCT
fbem-29337	129	28	dfi	dfi	PROPN
fbem-29337	129	29	)	)	PUNCT
fbem-29337	129	30	as	as	ADP
fbem-29337	129	31	a	a	DET
fbem-29337	129	32	driver	driver	NOUN
fbem-29337	129	33	of	of	ADP
fbem-29337	129	34	household	household	NOUN
fbem-29337	129	35	consumption	consumption	NOUN
fbem-29337	129	36	and	and	CCONJ
fbem-29337	129	37	sustainable	sustainable	ADJ
fbem-29337	129	38	development	development	NOUN
fbem-29337	129	39	.	.	PUNCT
fbem-29337	130	1	6.1	6.1	NUM
fbem-29337	130	2	.	.	PUNCT
fbem-29337	131	1	policy	policy	NOUN
fbem-29337	131	2	recommendations	recommendation	NOUN
fbem-29337	131	3	6.1.1	6.1.1	NUM
fbem-29337	131	4	.	.	PUNCT
fbem-29337	132	1	expanding	expand	VERB
fbem-29337	132	2	digital	digital	ADJ
fbem-29337	132	3	infrastructure	infrastructure	NOUN
fbem-29337	132	4	to	to	PART
fbem-29337	132	5	close	close	VERB
fbem-29337	132	6	the	the	DET
fbem-29337	132	7	urban	urban	ADJ
fbem-29337	132	8	-	-	PUNCT
fbem-29337	132	9	rural	rural	ADJ
fbem-29337	132	10	gap	gap	NOUN
fbem-29337	132	11	in	in	ADP
fbem-29337	132	12	dfi	dfi	PROPN
fbem-29337	132	13	adoption	adoption	NOUN
fbem-29337	132	14	,	,	PUNCT
fbem-29337	132	15	internet	internet	NOUN
fbem-29337	132	16	penetration	penetration	NOUN
fbem-29337	132	17	rates	rate	NOUN
fbem-29337	132	18	were	be	AUX
fbem-29337	132	19	used	use	VERB
fbem-29337	132	20	as	as	ADP
fbem-29337	132	21	a	a	DET
fbem-29337	132	22	variable	variable	NOUN
fbem-29337	132	23	to	to	PART
fbem-29337	132	24	assess	assess	VERB
fbem-29337	132	25	its	its	PRON
fbem-29337	132	26	effect	effect	NOUN
fbem-29337	132	27	on	on	ADP
fbem-29337	132	28	dfi	dfi	PROPN
fbem-29337	132	29	growth	growth	NOUN
fbem-29337	132	30	.	.	PUNCT
fbem-29337	133	1	regression	regression	NOUN
fbem-29337	133	2	results	result	NOUN
fbem-29337	133	3	confirm	confirm	VERB
fbem-29337	133	4	that	that	SCONJ
fbem-29337	133	5	a	a	DET
fbem-29337	133	6	10	10	NUM
fbem-29337	133	7	%	%	NOUN
fbem-29337	133	8	increase	increase	NOUN
fbem-29337	133	9	in	in	ADP
fbem-29337	133	10	internet	internet	NOUN
fbem-29337	133	11	penetration	penetration	NOUN
fbem-29337	133	12	correlates	correlate	VERB
fbem-29337	133	13	with	with	ADP
fbem-29337	133	14	a	a	DET
fbem-29337	133	15	6	6	NUM
fbem-29337	133	16	%	%	NOUN
fbem-29337	133	17	rise	rise	NOUN
fbem-29337	133	18	in	in	ADP
fbem-29337	133	19	dfi	dfi	PROPN
fbem-29337	133	20	adoption	adoption	NOUN
fbem-29337	133	21	.	.	PUNCT
fbem-29337	134	1	rural	rural	ADJ
fbem-29337	134	2	areas	area	NOUN
fbem-29337	134	3	,	,	PUNCT
fbem-29337	134	4	with	with	ADP
fbem-29337	134	5	penetration	penetration	NOUN
fbem-29337	134	6	rates	rate	NOUN
fbem-29337	134	7	at	at	ADP
fbem-29337	134	8	55.9	55.9	NUM
fbem-29337	134	9	%	%	NOUN
fbem-29337	134	10	compared	compare	VERB
fbem-29337	134	11	to	to	ADP
fbem-29337	134	12	79.8	79.8	NUM
fbem-29337	134	13	%	%	NOUN
fbem-29337	134	14	in	in	ADP
fbem-29337	134	15	urban	urban	ADJ
fbem-29337	134	16	areas	area	NOUN
fbem-29337	134	17	,	,	PUNCT
fbem-29337	134	18	have	have	VERB
fbem-29337	134	19	significant	significant	ADJ
fbem-29337	134	20	room	room	NOUN
fbem-29337	134	21	for	for	ADP
fbem-29337	134	22	improvement	improvement	NOUN
fbem-29337	134	23	.	.	PUNCT
fbem-29337	135	1	investments	investment	NOUN
fbem-29337	135	2	in	in	ADP
fbem-29337	135	3	rural	rural	ADJ
fbem-29337	135	4	broadband	broadband	NOUN
fbem-29337	135	5	infrastructure	infrastructure	NOUN
fbem-29337	135	6	can	can	AUX
fbem-29337	135	7	directly	directly	ADV
fbem-29337	135	8	raise	raise	VERB
fbem-29337	135	9	dfi	dfi	PROPN
fbem-29337	135	10	adoption	adoption	NOUN
fbem-29337	135	11	and	and	CCONJ
fbem-29337	135	12	,	,	PUNCT
fbem-29337	135	13	subsequently	subsequently	ADV
fbem-29337	135	14	,	,	PUNCT
fbem-29337	135	15	household	household	NOUN
fbem-29337	135	16	consumption	consumption	NOUN
fbem-29337	135	17	.	.	PUNCT
fbem-29337	136	1	policy	policy	NOUN
fbem-29337	136	2	implication	implication	NOUN
fbem-29337	136	3	:	:	PUNCT
fbem-29337	136	4	collaborative	collaborative	ADJ
fbem-29337	136	5	public	public	ADJ
fbem-29337	136	6	-	-	PUNCT
fbem-29337	136	7	private	private	ADJ
fbem-29337	136	8	investments	investment	NOUN
fbem-29337	136	9	in	in	ADP
fbem-29337	136	10	broadband	broadband	NOUN
fbem-29337	136	11	infrastructure	infrastructure	NOUN
fbem-29337	136	12	,	,	PUNCT
fbem-29337	136	13	particularly	particularly	ADV
fbem-29337	136	14	in	in	ADP
fbem-29337	136	15	underserved	underserved	ADJ
fbem-29337	136	16	regions	region	NOUN
fbem-29337	136	17	,	,	PUNCT
fbem-29337	136	18	can	can	AUX
fbem-29337	136	19	effectively	effectively	ADV
fbem-29337	136	20	bridge	bridge	VERB
fbem-29337	136	21	the	the	DET
fbem-29337	136	22	digital	digital	ADJ
fbem-29337	136	23	divide	divide	NOUN
fbem-29337	136	24	.	.	PUNCT
fbem-29337	137	1	6.1.2	6.1.2	X
fbem-29337	137	2	.	.	PUNCT
fbem-29337	137	3	strengthening	strengthen	VERB
fbem-29337	137	4	consumer	consumer	NOUN
fbem-29337	137	5	protections	protection	NOUN
fbem-29337	137	6	default	default	NOUN
fbem-29337	137	7	rates	rate	NOUN
fbem-29337	137	8	were	be	AUX
fbem-29337	137	9	analyzed	analyze	VERB
fbem-29337	137	10	to	to	PART
fbem-29337	137	11	evaluate	evaluate	VERB
fbem-29337	137	12	the	the	DET
fbem-29337	137	13	impact	impact	NOUN
fbem-29337	137	14	of	of	ADP
fbem-29337	137	15	consumer	consumer	NOUN
fbem-29337	137	16	protection	protection	NOUN
fbem-29337	137	17	measures	measure	NOUN
fbem-29337	137	18	.	.	PUNCT
fbem-29337	138	1	the	the	DET
fbem-29337	138	2	inclusion	inclusion	NOUN
fbem-29337	138	3	of	of	ADP
fbem-29337	138	4	transparent	transparent	ADJ
fbem-29337	138	5	loan	loan	NOUN
fbem-29337	138	6	terms	term	NOUN
fbem-29337	138	7	and	and	CCONJ
fbem-29337	138	8	digital	digital	ADJ
fbem-29337	138	9	debt	debt	NOUN
fbem-29337	138	10	monitoring	monitor	VERB
fbem-29337	138	11	reduced	reduce	VERB
fbem-29337	138	12	default	default	NOUN
fbem-29337	138	13	rates	rate	NOUN
fbem-29337	138	14	from	from	ADP
fbem-29337	138	15	20	20	NUM
fbem-29337	138	16	%	%	NOUN
fbem-29337	138	17	to	to	PART
fbem-29337	138	18	12	12	NUM
fbem-29337	138	19	%	%	NOUN
fbem-29337	138	20	.	.	PUNCT
fbem-29337	139	1	robust	robust	ADJ
fbem-29337	139	2	data	datum	NOUN
fbem-29337	139	3	privacy	privacy	NOUN
fbem-29337	139	4	policies	policy	NOUN
fbem-29337	139	5	further	far	ADV
fbem-29337	139	6	instill	instill	VERB
fbem-29337	139	7	confidence	confidence	NOUN
fbem-29337	139	8	among	among	ADP
fbem-29337	139	9	low	low	ADJ
fbem-29337	139	10	-	-	PUNCT
fbem-29337	139	11	income	income	NOUN
fbem-29337	139	12	borrowers	borrower	NOUN
fbem-29337	139	13	.	.	PUNCT
fbem-29337	140	1	policy	policy	NOUN
fbem-29337	140	2	implication	implication	NOUN
fbem-29337	140	3	:	:	PUNCT
fbem-29337	140	4	strengthening	strengthen	VERB
fbem-29337	140	5	consumer	consumer	NOUN
fbem-29337	140	6	protections	protection	NOUN
fbem-29337	140	7	is	be	AUX
fbem-29337	140	8	essential	essential	ADJ
fbem-29337	140	9	to	to	PART
fbem-29337	140	10	foster	foster	VERB
fbem-29337	140	11	trust	trust	NOUN
fbem-29337	140	12	in	in	ADP
fbem-29337	140	13	dfi	dfi	PROPN
fbem-29337	140	14	platforms	platform	NOUN
fbem-29337	140	15	and	and	CCONJ
fbem-29337	140	16	prevent	prevent	VERB
fbem-29337	140	17	overindebtedness	overindebtedness	NOUN
fbem-29337	140	18	.	.	PUNCT
fbem-29337	141	1	6.1.3	6.1.3	VERB
fbem-29337	141	2	.	.	PUNCT
fbem-29337	141	3	enhancing	enhance	VERB
fbem-29337	141	4	public	public	ADJ
fbem-29337	141	5	-	-	PUNCT
fbem-29337	141	6	private	private	ADJ
fbem-29337	141	7	partnerships	partnership	NOUN
fbem-29337	141	8	the	the	DET
fbem-29337	141	9	role	role	NOUN
fbem-29337	141	10	of	of	ADP
fbem-29337	141	11	public	public	ADJ
fbem-29337	141	12	-	-	PUNCT
fbem-29337	141	13	private	private	ADJ
fbem-29337	141	14	partnerships	partnership	NOUN
fbem-29337	141	15	was	be	AUX
fbem-29337	141	16	assessed	assess	VERB
fbem-29337	141	17	using	use	VERB
fbem-29337	141	18	the	the	DET
fbem-29337	141	19	adoption	adoption	NOUN
fbem-29337	141	20	of	of	ADP
fbem-29337	141	21	digital	digital	ADJ
fbem-29337	141	22	insurance	insurance	NOUN
fbem-29337	141	23	plans	plan	NOUN
fbem-29337	141	24	as	as	ADP
fbem-29337	141	25	a	a	DET
fbem-29337	141	26	variable	variable	NOUN
fbem-29337	141	27	.	.	PUNCT
fbem-29337	142	1	regression	regression	NOUN
fbem-29337	142	2	analysis	analysis	NOUN
fbem-29337	142	3	shows	show	VERB
fbem-29337	142	4	a	a	DET
fbem-29337	142	5	15	15	NUM
fbem-29337	142	6	%	%	NOUN
fbem-29337	142	7	increase	increase	NOUN
fbem-29337	142	8	in	in	ADP
fbem-29337	142	9	financial	financial	ADJ
fbem-29337	142	10	resilience	resilience	NOUN
fbem-29337	142	11	for	for	ADP
fbem-29337	142	12	households	household	NOUN
fbem-29337	142	13	benefiting	benefit	VERB
fbem-29337	142	14	from	from	ADP
fbem-29337	142	15	subsidized	subsidize	VERB
fbem-29337	142	16	digital	digital	ADJ
fbem-29337	142	17	insurance	insurance	NOUN
fbem-29337	142	18	initiatives	initiative	NOUN
fbem-29337	142	19	.	.	PUNCT
fbem-29337	143	1	policy	policy	NOUN
fbem-29337	143	2	implication	implication	NOUN
fbem-29337	143	3	:	:	PUNCT
fbem-29337	143	4	governments	government	NOUN
fbem-29337	143	5	should	should	AUX
fbem-29337	143	6	incentivize	incentivize	VERB
fbem-29337	143	7	fintech	fintech	NOUN
fbem-29337	143	8	companies	company	NOUN
fbem-29337	143	9	through	through	ADP
fbem-29337	143	10	tax	tax	NOUN
fbem-29337	143	11	benefits	benefit	NOUN
fbem-29337	143	12	to	to	PART
fbem-29337	143	13	develop	develop	VERB
fbem-29337	143	14	targeted	target	VERB
fbem-29337	143	15	financial	financial	ADJ
fbem-29337	143	16	products	product	NOUN
fbem-29337	143	17	and	and	CCONJ
fbem-29337	143	18	literacy	literacy	NOUN
fbem-29337	143	19	campaigns	campaign	NOUN
fbem-29337	143	20	,	,	PUNCT
fbem-29337	143	21	particularly	particularly	ADV
fbem-29337	143	22	for	for	ADP
fbem-29337	143	23	rural	rural	ADJ
fbem-29337	143	24	and	and	CCONJ
fbem-29337	143	25	low	low	ADJ
fbem-29337	143	26	-	-	PUNCT
fbem-29337	143	27	income	income	NOUN
fbem-29337	143	28	households	household	NOUN
fbem-29337	143	29	.	.	PUNCT
fbem-29337	144	1	6.2	6.2	NUM
fbem-29337	144	2	.	.	PUNCT
fbem-29337	145	1	future	future	ADJ
fbem-29337	145	2	research	research	NOUN
fbem-29337	145	3	directions	direction	NOUN
fbem-29337	145	4	6.2.1	6.2.1	VERB
fbem-29337	145	5	.	.	PUNCT
fbem-29337	146	1	environmental	environmental	ADJ
fbem-29337	146	2	sustainability	sustainability	NOUN
fbem-29337	146	3	the	the	DET
fbem-29337	146	4	study	study	NOUN
fbem-29337	146	5	incorporated	incorporate	VERB
fbem-29337	146	6	renewable	renewable	ADJ
fbem-29337	146	7	energy	energy	NOUN
fbem-29337	146	8	adoption	adoption	NOUN
fbem-29337	146	9	rates	rate	NOUN
fbem-29337	146	10	as	as	ADP
fbem-29337	146	11	a	a	DET
fbem-29337	146	12	variable	variable	NOUN
fbem-29337	146	13	.	.	PUNCT
fbem-29337	147	1	regression	regression	NOUN
fbem-29337	147	2	results	result	NOUN
fbem-29337	147	3	indicate	indicate	VERB
fbem-29337	147	4	that	that	SCONJ
fbem-29337	147	5	households	household	NOUN
fbem-29337	147	6	using	use	VERB
fbem-29337	147	7	dfi	dfi	PROPN
fbem-29337	147	8	platforms	platform	NOUN
fbem-29337	147	9	are	be	AUX
fbem-29337	147	10	15	15	NUM
fbem-29337	147	11	%	%	NOUN
fbem-29337	147	12	more	more	ADV
fbem-29337	147	13	likely	likely	ADJ
fbem-29337	147	14	to	to	PART
fbem-29337	147	15	invest	invest	VERB
fbem-29337	147	16	in	in	ADP
fbem-29337	147	17	eco	eco	NOUN
fbem-29337	147	18	-	-	PUNCT
fbem-29337	147	19	friendly	friendly	ADJ
fbem-29337	147	20	technologies	technology	NOUN
fbem-29337	147	21	.	.	PUNCT
fbem-29337	148	1	this	this	PRON
fbem-29337	148	2	highlights	highlight	VERB
fbem-29337	148	3	the	the	DET
fbem-29337	148	4	potential	potential	NOUN
fbem-29337	148	5	for	for	SCONJ
fbem-29337	148	6	dfi	dfi	PROPN
fbem-29337	148	7	to	to	PART
fbem-29337	148	8	drive	drive	VERB
fbem-29337	148	9	sustainable	sustainable	ADJ
fbem-29337	148	10	consumption	consumption	NOUN
fbem-29337	148	11	.	.	PUNCT
fbem-29337	149	1	policy	policy	NOUN
fbem-29337	149	2	implication	implication	NOUN
fbem-29337	149	3	:	:	PUNCT
fbem-29337	149	4	future	future	ADJ
fbem-29337	149	5	research	research	NOUN
fbem-29337	149	6	should	should	AUX
fbem-29337	149	7	explore	explore	VERB
fbem-29337	149	8	how	how	SCONJ
fbem-29337	149	9	dfi	dfi	PROPN
fbem-29337	149	10	can	can	AUX
fbem-29337	149	11	fund	fund	VERB
fbem-29337	149	12	small	small	ADJ
fbem-29337	149	13	-	-	PUNCT
fbem-29337	149	14	scale	scale	NOUN
fbem-29337	149	15	renewable	renewable	ADJ
fbem-29337	149	16	energy	energy	NOUN
fbem-29337	149	17	projects	project	NOUN
fbem-29337	149	18	and	and	CCONJ
fbem-29337	149	19	promote	promote	VERB
fbem-29337	149	20	sustainable	sustainable	ADJ
fbem-29337	149	21	practices	practice	NOUN
fbem-29337	149	22	in	in	ADP
fbem-29337	149	23	rural	rural	ADJ
fbem-29337	149	24	areas	area	NOUN
fbem-29337	149	25	.	.	PUNCT
fbem-29337	150	1	6.2.2	6.2.2	X
fbem-29337	150	2	.	.	PUNCT
fbem-29337	151	1	behavioral	behavioral	ADJ
fbem-29337	151	2	economics	economic	NOUN
fbem-29337	151	3	behavioral	behavioral	ADJ
fbem-29337	151	4	nudges	nudge	NOUN
fbem-29337	151	5	,	,	PUNCT
fbem-29337	151	6	such	such	ADJ
fbem-29337	151	7	as	as	ADP
fbem-29337	151	8	automated	automate	VERB
fbem-29337	151	9	savings	saving	NOUN
fbem-29337	151	10	alerts	alert	NOUN
fbem-29337	151	11	and	and	CCONJ
fbem-29337	151	12	goal	goal	NOUN
fbem-29337	151	13	-	-	PUNCT
fbem-29337	151	14	setting	set	VERB
fbem-29337	151	15	features	feature	NOUN
fbem-29337	151	16	,	,	PUNCT
fbem-29337	151	17	were	be	AUX
fbem-29337	151	18	found	find	VERB
fbem-29337	151	19	to	to	PART
fbem-29337	151	20	increase	increase	VERB
fbem-29337	151	21	household	household	NOUN
fbem-29337	151	22	savings	saving	NOUN
fbem-29337	151	23	rates	rate	NOUN
fbem-29337	151	24	by	by	ADP
fbem-29337	151	25	10–15	10–15	NUM
fbem-29337	151	26	%	%	NOUN
fbem-29337	151	27	.	.	PUNCT
fbem-29337	152	1	these	these	DET
fbem-29337	152	2	findings	finding	NOUN
fbem-29337	152	3	suggest	suggest	VERB
fbem-29337	152	4	that	that	SCONJ
fbem-29337	152	5	incorporating	incorporate	VERB
fbem-29337	152	6	behavioral	behavioral	ADJ
fbem-29337	152	7	insights	insight	NOUN
fbem-29337	152	8	into	into	ADP
fbem-29337	152	9	dfi	dfi	PROPN
fbem-29337	152	10	platforms	platform	NOUN
fbem-29337	152	11	can	can	AUX
fbem-29337	152	12	significantly	significantly	ADV
fbem-29337	152	13	influence	influence	VERB
fbem-29337	152	14	financial	financial	ADJ
fbem-29337	152	15	habits	habit	NOUN
fbem-29337	152	16	.	.	PUNCT
fbem-29337	153	1	policy	policy	NOUN
fbem-29337	153	2	implication	implication	NOUN
fbem-29337	153	3	:	:	PUNCT
fbem-29337	153	4	further	further	ADJ
fbem-29337	153	5	studies	study	NOUN
fbem-29337	153	6	should	should	AUX
fbem-29337	153	7	evaluate	evaluate	VERB
fbem-29337	153	8	how	how	SCONJ
fbem-29337	153	9	digital	digital	ADJ
fbem-29337	153	10	nudges	nudge	NOUN
fbem-29337	153	11	impact	impact	VERB
fbem-29337	153	12	long	long	ADJ
fbem-29337	153	13	-	-	PUNCT
fbem-29337	153	14	term	term	NOUN
fbem-29337	153	15	financial	financial	ADJ
fbem-29337	153	16	discipline	discipline	NOUN
fbem-29337	153	17	and	and	CCONJ
fbem-29337	153	18	intergenerational	intergenerational	ADJ
fbem-29337	153	19	wealth	wealth	NOUN
fbem-29337	153	20	transfer	transfer	NOUN
fbem-29337	153	21	.	.	PUNCT
fbem-29337	154	1	6.2.3	6.2.3	X
fbem-29337	154	2	.	.	PUNCT
fbem-29337	155	1	summary	summary	NOUN
fbem-29337	155	2	of	of	ADP
fbem-29337	155	3	recommendations	recommendation	NOUN
fbem-29337	155	4	infrastructure	infrastructure	NOUN
fbem-29337	155	5	development	development	NOUN
fbem-29337	155	6	:	:	PUNCT
fbem-29337	155	7	invest	invest	VERB
fbem-29337	155	8	in	in	ADP
fbem-29337	155	9	broadband	broadband	NOUN
fbem-29337	155	10	expansion	expansion	NOUN
fbem-29337	155	11	in	in	ADP
fbem-29337	155	12	underserved	underserved	ADJ
fbem-29337	155	13	regions	region	NOUN
fbem-29337	155	14	to	to	PART
fbem-29337	155	15	enhance	enhance	VERB
fbem-29337	155	16	dfi	dfi	PROPN
fbem-29337	155	17	adoption	adoption	NOUN
fbem-29337	155	18	.	.	PUNCT
fbem-29337	156	1	consumer	consumer	NOUN
fbem-29337	156	2	protections	protection	NOUN
fbem-29337	156	3	:	:	PUNCT
fbem-29337	156	4	implement	implement	VERB
fbem-29337	156	5	transparent	transparent	ADJ
fbem-29337	156	6	lending	lending	NOUN
fbem-29337	156	7	practices	practice	NOUN
fbem-29337	156	8	and	and	CCONJ
fbem-29337	156	9	robust	robust	ADJ
fbem-29337	156	10	privacy	privacy	NOUN
fbem-29337	156	11	policies	policy	NOUN
fbem-29337	156	12	to	to	PART
fbem-29337	156	13	build	build	VERB
fbem-29337	156	14	trust	trust	NOUN
fbem-29337	156	15	in	in	ADP
fbem-29337	156	16	digital	digital	ADJ
fbem-29337	156	17	platforms	platform	NOUN
fbem-29337	156	18	.	.	PUNCT
fbem-29337	157	1	public	public	ADJ
fbem-29337	157	2	-	-	PUNCT
fbem-29337	157	3	private	private	ADJ
fbem-29337	157	4	collaboration	collaboration	NOUN
fbem-29337	157	5	:	:	PUNCT
fbem-29337	157	6	foster	foster	ADJ
fbem-29337	157	7	partnerships	partnership	NOUN
fbem-29337	157	8	to	to	PART
fbem-29337	157	9	develop	develop	VERB
fbem-29337	157	10	inclusive	inclusive	ADJ
fbem-29337	157	11	financial	financial	ADJ
fbem-29337	157	12	products	product	NOUN
fbem-29337	157	13	and	and	CCONJ
fbem-29337	157	14	expand	expand	VERB
fbem-29337	157	15	literacy	literacy	NOUN
fbem-29337	157	16	initiatives	initiative	NOUN
fbem-29337	157	17	.	.	PUNCT
fbem-29337	158	1	future	future	ADJ
fbem-29337	158	2	research	research	NOUN
fbem-29337	158	3	:	:	PUNCT
fbem-29337	158	4	explore	explore	VERB
fbem-29337	158	5	dfi	dfi	PROPN
fbem-29337	158	6	’s	’s	PART
fbem-29337	158	7	role	role	NOUN
fbem-29337	158	8	in	in	ADP
fbem-29337	158	9	promoting	promote	VERB
fbem-29337	158	10	sustainability	sustainability	NOUN
fbem-29337	158	11	and	and	CCONJ
fbem-29337	158	12	behavioral	behavioral	ADJ
fbem-29337	158	13	economics	economic	NOUN
fbem-29337	158	14	.	.	PUNCT
fbem-29337	159	1	6.2.4	6.2.4	X
fbem-29337	159	2	.	.	X
fbem-29337	159	3	alignment	alignment	NOUN
fbem-29337	159	4	with	with	ADP
fbem-29337	159	5	research	research	NOUN
fbem-29337	159	6	goals	goal	NOUN
fbem-29337	159	7	the	the	DET
fbem-29337	159	8	proposed	propose	VERB
fbem-29337	159	9	recommendations	recommendation	NOUN
fbem-29337	159	10	and	and	CCONJ
fbem-29337	159	11	research	research	NOUN
fbem-29337	159	12	directions	direction	NOUN
fbem-29337	159	13	directly	directly	ADV
fbem-29337	159	14	relate	relate	VERB
fbem-29337	159	15	to	to	ADP
fbem-29337	159	16	the	the	DET
fbem-29337	159	17	study	study	NOUN
fbem-29337	159	18	’s	’s	PART
fbem-29337	159	19	focus	focus	NOUN
fbem-29337	159	20	on	on	ADP
fbem-29337	159	21	understanding	understand	VERB
fbem-29337	159	22	dfi	dfi	PROPN
fbem-29337	159	23	’s	’s	PART
fbem-29337	159	24	impact	impact	NOUN
fbem-29337	159	25	on	on	ADP
fbem-29337	159	26	household	household	NOUN
fbem-29337	159	27	consumption	consumption	NOUN
fbem-29337	159	28	and	and	CCONJ
fbem-29337	159	29	socioeconomic	socioeconomic	ADJ
fbem-29337	159	30	resilience	resilience	NOUN
fbem-29337	159	31	.	.	PUNCT
fbem-29337	160	1	by	by	ADP
fbem-29337	160	2	targeting	target	VERB
fbem-29337	160	3	infrastructure	infrastructure	NOUN
fbem-29337	160	4	gaps	gap	NOUN
fbem-29337	160	5	,	,	PUNCT
fbem-29337	160	6	enhancing	enhance	VERB
fbem-29337	160	7	consumer	consumer	NOUN
fbem-29337	160	8	protections	protection	NOUN
fbem-29337	160	9	,	,	PUNCT
fbem-29337	160	10	and	and	CCONJ
fbem-29337	160	11	leveraging	leverage	VERB
fbem-29337	160	12	public	public	ADJ
fbem-29337	160	13	-	-	PUNCT
fbem-29337	160	14	private	private	ADJ
fbem-29337	160	15	collaborations	collaboration	NOUN
fbem-29337	160	16	,	,	PUNCT
fbem-29337	160	17	these	these	DET
fbem-29337	160	18	strategies	strategy	NOUN
fbem-29337	160	19	aim	aim	VERB
fbem-29337	160	20	to	to	PART
fbem-29337	160	21	maximize	maximize	VERB
fbem-29337	160	22	the	the	DET
fbem-29337	160	23	benefits	benefit	NOUN
fbem-29337	160	24	of	of	ADP
fbem-29337	160	25	dfi	dfi	PROPN
fbem-29337	160	26	for	for	ADP
fbem-29337	160	27	sustainable	sustainable	ADJ
fbem-29337	160	28	economic	economic	ADJ
fbem-29337	160	29	growth	growth	NOUN
fbem-29337	160	30	.	.	PUNCT
fbem-29337	161	1	7	7	X
fbem-29337	161	2	.	.	X
fbem-29337	161	3	conclusion	conclusion	NOUN
fbem-29337	161	4	this	this	DET
fbem-29337	161	5	study	study	NOUN
fbem-29337	161	6	has	have	AUX
fbem-29337	161	7	comprehensively	comprehensively	ADV
fbem-29337	161	8	examined	examine	VERB
fbem-29337	161	9	the	the	DET
fbem-29337	161	10	transformative	transformative	ADJ
fbem-29337	161	11	impact	impact	NOUN
fbem-29337	161	12	of	of	ADP
fbem-29337	161	13	digital	digital	ADJ
fbem-29337	161	14	financial	financial	ADJ
fbem-29337	161	15	inclusion	inclusion	NOUN
fbem-29337	161	16	(	(	PUNCT
fbem-29337	161	17	dfi	dfi	PROPN
fbem-29337	161	18	)	)	PUNCT
fbem-29337	161	19	on	on	ADP
fbem-29337	161	20	household	household	NOUN
fbem-29337	161	21	consumption	consumption	NOUN
fbem-29337	161	22	,	,	PUNCT
fbem-29337	161	23	highlighting	highlight	VERB
fbem-29337	161	24	its	its	PRON
fbem-29337	161	25	critical	critical	ADJ
fbem-29337	161	26	role	role	NOUN
fbem-29337	161	27	in	in	ADP
fbem-29337	161	28	fostering	foster	VERB
fbem-29337	161	29	inclusive	inclusive	ADJ
fbem-29337	161	30	economic	economic	ADJ
fbem-29337	161	31	growth	growth	NOUN
fbem-29337	161	32	.	.	PUNCT
fbem-29337	162	1	by	by	ADP
fbem-29337	162	2	addressing	address	VERB
fbem-29337	162	3	systemic	systemic	ADJ
fbem-29337	162	4	barriers	barrier	NOUN
fbem-29337	162	5	such	such	ADJ
fbem-29337	162	6	as	as	ADP
fbem-29337	162	7	liquidity	liquidity	NOUN
fbem-29337	162	8	constraints	constraint	NOUN
fbem-29337	162	9	,	,	PUNCT
fbem-29337	162	10	high	high	ADJ
fbem-29337	162	11	transaction	transaction	NOUN
fbem-29337	162	12	costs	cost	NOUN
fbem-29337	162	13	,	,	PUNCT
fbem-29337	162	14	and	and	CCONJ
fbem-29337	162	15	limited	limited	ADJ
fbem-29337	162	16	financial	financial	ADJ
fbem-29337	162	17	literacy	literacy	NOUN
fbem-29337	162	18	,	,	PUNCT
fbem-29337	162	19	dfi	dfi	PROPN
fbem-29337	162	20	provides	provide	VERB
fbem-29337	162	21	a	a	DET
fbem-29337	162	22	pathway	pathway	NOUN
fbem-29337	162	23	to	to	ADP
fbem-29337	162	24	greater	great	ADJ
fbem-29337	162	25	economic	economic	ADJ
fbem-29337	162	26	empowerment	empowerment	NOUN
fbem-29337	162	27	,	,	PUNCT
fbem-29337	162	28	particularly	particularly	ADV
fbem-29337	162	29	for	for	ADP
fbem-29337	162	30	underserved	underserved	ADJ
fbem-29337	162	31	populations	population	NOUN
fbem-29337	162	32	in	in	ADP
fbem-29337	162	33	china	china	PROPN
fbem-29337	162	34	.	.	PUNCT
fbem-29337	163	1	the	the	DET
fbem-29337	163	2	findings	finding	NOUN
fbem-29337	163	3	not	not	PART
fbem-29337	163	4	only	only	ADV
fbem-29337	163	5	underscore	underscore	VERB
fbem-29337	163	6	dfi	dfi	PROPN
fbem-29337	163	7	’s	’s	PART
fbem-29337	163	8	potential	potential	NOUN
fbem-29337	163	9	to	to	PART
fbem-29337	163	10	drive	drive	VERB
fbem-29337	163	11	immediate	immediate	ADJ
fbem-29337	163	12	consumption	consumption	NOUN
fbem-29337	163	13	but	but	CCONJ
fbem-29337	163	14	also	also	ADV
fbem-29337	163	15	its	its	PRON
fbem-29337	163	16	farreaching	farreache	VERB
fbem-29337	163	17	implications	implication	NOUN
fbem-29337	163	18	for	for	ADP
fbem-29337	163	19	long	long	ADJ
fbem-29337	163	20	-	-	PUNCT
fbem-29337	163	21	term	term	NOUN
fbem-29337	163	22	socio	socio	NOUN
fbem-29337	163	23	-	-	PUNCT
fbem-29337	163	24	economic	economic	ADJ
fbem-29337	163	25	development	development	NOUN
fbem-29337	163	26	.	.	PUNCT
fbem-29337	164	1	7.1	7.1	NUM
fbem-29337	164	2	.	.	PUNCT
fbem-29337	165	1	summary	summary	NOUN
fbem-29337	165	2	of	of	ADP
fbem-29337	165	3	key	key	ADJ
fbem-29337	165	4	findings	finding	NOUN
fbem-29337	165	5	7.1.1	7.1.1	NUM
fbem-29337	165	6	.	.	PUNCT
fbem-29337	166	1	impact	impact	NOUN
fbem-29337	166	2	on	on	ADP
fbem-29337	166	3	household	household	NOUN
fbem-29337	166	4	consumption	consumption	NOUN
fbem-29337	166	5	alleviating	alleviate	VERB
fbem-29337	166	6	liquidity	liquidity	NOUN
fbem-29337	166	7	constraints	constraint	NOUN
fbem-29337	166	8	:	:	PUNCT
fbem-29337	166	9	dfi	dfi	PROPN
fbem-29337	166	10	enables	enable	VERB
fbem-29337	166	11	households	household	NOUN
fbem-29337	166	12	,	,	PUNCT
fbem-29337	166	13	particularly	particularly	ADV
fbem-29337	166	14	in	in	ADP
fbem-29337	166	15	rural	rural	ADJ
fbem-29337	166	16	and	and	CCONJ
fbem-29337	166	17	lowincome	lowincome	NOUN
fbem-29337	166	18	areas	area	NOUN
fbem-29337	166	19	,	,	PUNCT
fbem-29337	166	20	to	to	PART
fbem-29337	166	21	access	access	VERB
fbem-29337	166	22	affordable	affordable	ADJ
fbem-29337	166	23	credit	credit	NOUN
fbem-29337	166	24	.	.	PUNCT
fbem-29337	167	1	this	this	DET
fbem-29337	167	2	access	access	NOUN
fbem-29337	167	3	smooths	smooth	VERB
fbem-29337	167	4	consumption	consumption	NOUN
fbem-29337	167	5	,	,	PUNCT
fbem-29337	167	6	reduces	reduce	VERB
fbem-29337	167	7	reliance	reliance	NOUN
fbem-29337	167	8	on	on	ADP
fbem-29337	167	9	informal	informal	ADJ
fbem-29337	167	10	lenders	lender	NOUN
fbem-29337	167	11	,	,	PUNCT
fbem-29337	167	12	and	and	CCONJ
fbem-29337	167	13	enhances	enhance	VERB
fbem-29337	167	14	financial	financial	ADJ
fbem-29337	167	15	stability	stability	NOUN
fbem-29337	167	16	.	.	PUNCT
fbem-29337	168	1	reducing	reduce	VERB
fbem-29337	168	2	transaction	transaction	NOUN
fbem-29337	168	3	costs	cost	NOUN
fbem-29337	168	4	:	:	PUNCT
fbem-29337	168	5	digital	digital	ADJ
fbem-29337	168	6	platforms	platform	NOUN
fbem-29337	168	7	streamline	streamline	VERB
fbem-29337	168	8	financial	financial	ADJ
fbem-29337	168	9	transactions	transaction	NOUN
fbem-29337	168	10	,	,	PUNCT
fbem-29337	168	11	eliminating	eliminate	VERB
fbem-29337	168	12	intermediaries	intermediary	NOUN
fbem-29337	168	13	and	and	CCONJ
fbem-29337	168	14	making	make	VERB
fbem-29337	168	15	financial	financial	ADJ
fbem-29337	168	16	services	service	NOUN
fbem-29337	168	17	201	201	NUM
fbem-29337	168	18	more	more	ADV
fbem-29337	168	19	affordable	affordable	ADJ
fbem-29337	168	20	and	and	CCONJ
fbem-29337	168	21	accessible	accessible	ADJ
fbem-29337	168	22	for	for	ADP
fbem-29337	168	23	all	all	DET
fbem-29337	168	24	households	household	NOUN
fbem-29337	168	25	.	.	PUNCT
fbem-29337	169	1	promoting	promote	VERB
fbem-29337	169	2	financial	financial	ADJ
fbem-29337	169	3	literacy	literacy	NOUN
fbem-29337	169	4	:	:	PUNCT
fbem-29337	169	5	through	through	ADP
fbem-29337	169	6	integrated	integrate	VERB
fbem-29337	169	7	educational	educational	ADJ
fbem-29337	169	8	tools	tool	NOUN
fbem-29337	169	9	,	,	PUNCT
fbem-29337	169	10	dfi	dfi	PROPN
fbem-29337	169	11	empowers	empower	VERB
fbem-29337	169	12	households	household	NOUN
fbem-29337	169	13	to	to	PART
fbem-29337	169	14	make	make	VERB
fbem-29337	169	15	informed	informed	ADJ
fbem-29337	169	16	financial	financial	ADJ
fbem-29337	169	17	decisions	decision	NOUN
fbem-29337	169	18	,	,	PUNCT
fbem-29337	169	19	fostering	foster	VERB
fbem-29337	169	20	responsible	responsible	ADJ
fbem-29337	169	21	spending	spending	NOUN
fbem-29337	169	22	and	and	CCONJ
fbem-29337	169	23	saving	saving	NOUN
fbem-29337	169	24	habits	habit	NOUN
fbem-29337	169	25	.	.	PUNCT
fbem-29337	170	1	7.1.2	7.1.2	X
fbem-29337	170	2	.	.	NOUN
fbem-29337	170	3	heterogeneous	heterogeneous	ADJ
fbem-29337	170	4	effects	effect	NOUN
fbem-29337	170	5	the	the	DET
fbem-29337	170	6	impact	impact	NOUN
fbem-29337	170	7	of	of	ADP
fbem-29337	170	8	dfi	dfi	PROPN
fbem-29337	170	9	is	be	AUX
fbem-29337	170	10	most	most	ADV
fbem-29337	170	11	pronounced	pronounce	VERB
fbem-29337	170	12	among	among	ADP
fbem-29337	170	13	disadvantaged	disadvantaged	ADJ
fbem-29337	170	14	groups	group	NOUN
fbem-29337	170	15	,	,	PUNCT
fbem-29337	170	16	such	such	ADJ
fbem-29337	170	17	as	as	ADP
fbem-29337	170	18	rural	rural	ADJ
fbem-29337	170	19	households	household	NOUN
fbem-29337	170	20	,	,	PUNCT
fbem-29337	170	21	low	low	ADJ
fbem-29337	170	22	-	-	PUNCT
fbem-29337	170	23	income	income	NOUN
fbem-29337	170	24	families	family	NOUN
fbem-29337	170	25	,	,	PUNCT
fbem-29337	170	26	and	and	CCONJ
fbem-29337	170	27	women	woman	NOUN
fbem-29337	170	28	-	-	PUNCT
fbem-29337	170	29	led	lead	VERB
fbem-29337	170	30	households	household	NOUN
fbem-29337	170	31	.	.	PUNCT
fbem-29337	171	1	these	these	DET
fbem-29337	171	2	groups	group	NOUN
fbem-29337	171	3	exhibit	exhibit	VERB
fbem-29337	171	4	higher	high	ADJ
fbem-29337	171	5	marginal	marginal	ADJ
fbem-29337	171	6	returns	return	NOUN
fbem-29337	171	7	on	on	ADP
fbem-29337	171	8	consumption	consumption	NOUN
fbem-29337	171	9	due	due	ADP
fbem-29337	171	10	to	to	ADP
fbem-29337	171	11	the	the	DET
fbem-29337	171	12	greater	great	ADJ
fbem-29337	171	13	alleviation	alleviation	NOUN
fbem-29337	171	14	of	of	ADP
fbem-29337	171	15	financial	financial	ADJ
fbem-29337	171	16	barriers	barrier	NOUN
fbem-29337	171	17	.	.	PUNCT
fbem-29337	172	1	7.1.3	7.1.3	X
fbem-29337	172	2	.	.	PUNCT
fbem-29337	172	3	sectoral	sectoral	ADJ
fbem-29337	172	4	contributions	contribution	NOUN
fbem-29337	172	5	dfi	dfi	PROPN
fbem-29337	172	6	has	have	AUX
fbem-29337	172	7	catalyzed	catalyze	VERB
fbem-29337	172	8	increased	increase	VERB
fbem-29337	172	9	spending	spending	NOUN
fbem-29337	172	10	on	on	ADP
fbem-29337	172	11	critical	critical	ADJ
fbem-29337	172	12	areas	area	NOUN
fbem-29337	172	13	such	such	ADJ
fbem-29337	172	14	as	as	ADP
fbem-29337	172	15	education	education	NOUN
fbem-29337	172	16	and	and	CCONJ
fbem-29337	172	17	healthcare	healthcare	PROPN
fbem-29337	172	18	,	,	PUNCT
fbem-29337	172	19	driving	drive	VERB
fbem-29337	172	20	long	long	ADJ
fbem-29337	172	21	-	-	PUNCT
fbem-29337	172	22	term	term	NOUN
fbem-29337	172	23	improvements	improvement	NOUN
fbem-29337	172	24	in	in	ADP
fbem-29337	172	25	human	human	ADJ
fbem-29337	172	26	capital	capital	NOUN
fbem-29337	172	27	and	and	CCONJ
fbem-29337	172	28	household	household	NOUN
fbem-29337	172	29	resilience	resilience	NOUN
fbem-29337	172	30	.	.	PUNCT
fbem-29337	173	1	7.2	7.2	NUM
fbem-29337	173	2	.	.	PUNCT
fbem-29337	174	1	policy	policy	NOUN
fbem-29337	174	2	implications	implication	NOUN
fbem-29337	174	3	the	the	DET
fbem-29337	174	4	findings	finding	NOUN
fbem-29337	174	5	highlight	highlight	VERB
fbem-29337	174	6	several	several	ADJ
fbem-29337	174	7	actionable	actionable	ADJ
fbem-29337	174	8	insights	insight	NOUN
fbem-29337	174	9	for	for	ADP
fbem-29337	174	10	policymakers	policymaker	NOUN
fbem-29337	174	11	and	and	CCONJ
fbem-29337	174	12	stakeholders	stakeholder	NOUN
fbem-29337	174	13	to	to	PART
fbem-29337	174	14	harness	harness	VERB
fbem-29337	174	15	the	the	DET
fbem-29337	174	16	full	full	ADJ
fbem-29337	174	17	potential	potential	NOUN
fbem-29337	174	18	of	of	ADP
fbem-29337	174	19	dfi	dfi	PROPN
fbem-29337	174	20	:	:	PUNCT
fbem-29337	174	21	bridging	bridge	VERB
fbem-29337	174	22	the	the	DET
fbem-29337	174	23	digital	digital	ADJ
fbem-29337	174	24	divide	divide	NOUN
fbem-29337	174	25	:	:	PUNCT
fbem-29337	175	1	targeted	target	VERB
fbem-29337	175	2	investments	investment	NOUN
fbem-29337	175	3	in	in	ADP
fbem-29337	175	4	digital	digital	ADJ
fbem-29337	175	5	infrastructure	infrastructure	NOUN
fbem-29337	175	6	,	,	PUNCT
fbem-29337	175	7	particularly	particularly	ADV
fbem-29337	175	8	in	in	ADP
fbem-29337	175	9	rural	rural	ADJ
fbem-29337	175	10	and	and	CCONJ
fbem-29337	175	11	underserved	underserved	ADJ
fbem-29337	175	12	areas	area	NOUN
fbem-29337	175	13	,	,	PUNCT
fbem-29337	175	14	are	be	AUX
fbem-29337	175	15	crucial	crucial	ADJ
fbem-29337	175	16	for	for	ADP
fbem-29337	175	17	ensuring	ensure	VERB
fbem-29337	175	18	equitable	equitable	ADJ
fbem-29337	175	19	access	access	NOUN
fbem-29337	175	20	to	to	ADP
fbem-29337	175	21	dfi	dfi	PROPN
fbem-29337	175	22	services	service	NOUN
fbem-29337	175	23	.	.	PUNCT
fbem-29337	176	1	expanding	expand	VERB
fbem-29337	176	2	broadband	broadband	NOUN
fbem-29337	176	3	coverage	coverage	NOUN
fbem-29337	176	4	and	and	CCONJ
fbem-29337	176	5	subsidizing	subsidize	VERB
fbem-29337	176	6	mobile	mobile	ADJ
fbem-29337	176	7	technology	technology	NOUN
fbem-29337	176	8	can	can	AUX
fbem-29337	176	9	accelerate	accelerate	VERB
fbem-29337	176	10	adoption	adoption	NOUN
fbem-29337	176	11	and	and	CCONJ
fbem-29337	176	12	amplify	amplify	VERB
fbem-29337	176	13	the	the	DET
fbem-29337	176	14	benefits	benefit	NOUN
fbem-29337	176	15	of	of	ADP
fbem-29337	176	16	dfi	dfi	PROPN
fbem-29337	176	17	.	.	PUNCT
fbem-29337	177	1	strengthening	strengthen	VERB
fbem-29337	177	2	regulatory	regulatory	ADJ
fbem-29337	177	3	frameworks	framework	NOUN
fbem-29337	177	4	:	:	PUNCT
fbem-29337	177	5	consumer	consumer	NOUN
fbem-29337	177	6	protection	protection	NOUN
fbem-29337	177	7	measures	measure	NOUN
fbem-29337	177	8	,	,	PUNCT
fbem-29337	177	9	such	such	ADJ
fbem-29337	177	10	as	as	ADP
fbem-29337	177	11	transparent	transparent	ADJ
fbem-29337	177	12	lending	lending	NOUN
fbem-29337	177	13	practices	practice	NOUN
fbem-29337	177	14	and	and	CCONJ
fbem-29337	177	15	robust	robust	ADJ
fbem-29337	177	16	data	datum	NOUN
fbem-29337	177	17	privacy	privacy	NOUN
fbem-29337	177	18	regulations	regulation	NOUN
fbem-29337	177	19	,	,	PUNCT
fbem-29337	177	20	are	be	AUX
fbem-29337	177	21	essential	essential	ADJ
fbem-29337	177	22	to	to	PART
fbem-29337	177	23	build	build	VERB
fbem-29337	177	24	trust	trust	NOUN
fbem-29337	177	25	in	in	ADP
fbem-29337	177	26	digital	digital	ADJ
fbem-29337	177	27	financial	financial	ADJ
fbem-29337	177	28	systems	system	NOUN
fbem-29337	177	29	and	and	CCONJ
fbem-29337	177	30	prevent	prevent	VERB
fbem-29337	177	31	potential	potential	ADJ
fbem-29337	177	32	risks	risk	NOUN
fbem-29337	177	33	like	like	ADP
fbem-29337	177	34	over	over	ADP
fbem-29337	177	35	-	-	PUNCT
fbem-29337	177	36	indebtedness	indebtedness	NOUN
fbem-29337	177	37	.	.	PUNCT
fbem-29337	178	1	fostering	foster	VERB
fbem-29337	178	2	financial	financial	ADJ
fbem-29337	178	3	literacy	literacy	NOUN
fbem-29337	178	4	:	:	PUNCT
fbem-29337	178	5	digital	digital	ADJ
fbem-29337	178	6	financial	financial	ADJ
fbem-29337	178	7	education	education	NOUN
fbem-29337	178	8	campaigns	campaign	NOUN
fbem-29337	178	9	should	should	AUX
fbem-29337	178	10	be	be	AUX
fbem-29337	178	11	prioritized	prioritize	VERB
fbem-29337	178	12	to	to	PART
fbem-29337	178	13	ensure	ensure	VERB
fbem-29337	178	14	that	that	SCONJ
fbem-29337	178	15	users	user	NOUN
fbem-29337	178	16	maximize	maximize	VERB
fbem-29337	178	17	the	the	DET
fbem-29337	178	18	benefits	benefit	NOUN
fbem-29337	178	19	of	of	ADP
fbem-29337	178	20	dfi	dfi	PROPN
fbem-29337	178	21	tools	tool	NOUN
fbem-29337	178	22	while	while	SCONJ
fbem-29337	178	23	minimizing	minimize	VERB
fbem-29337	178	24	risks	risk	NOUN
fbem-29337	178	25	.	.	PUNCT
fbem-29337	179	1	partnerships	partnership	NOUN
fbem-29337	179	2	between	between	ADP
fbem-29337	179	3	governments	government	NOUN
fbem-29337	179	4	,	,	PUNCT
fbem-29337	179	5	ngos	ngo	NOUN
fbem-29337	179	6	,	,	PUNCT
fbem-29337	179	7	and	and	CCONJ
fbem-29337	179	8	fintech	fintech	NOUN
fbem-29337	179	9	companies	company	NOUN
fbem-29337	179	10	can	can	AUX
fbem-29337	179	11	drive	drive	VERB
fbem-29337	179	12	impactful	impactful	ADJ
fbem-29337	179	13	literacy	literacy	NOUN
fbem-29337	179	14	programs	program	NOUN
fbem-29337	179	15	tailored	tailor	VERB
fbem-29337	179	16	to	to	PART
fbem-29337	179	17	diverse	diverse	VERB
fbem-29337	179	18	demographics	demographic	NOUN
fbem-29337	179	19	.	.	PUNCT
fbem-29337	180	1	encouraging	encourage	VERB
fbem-29337	180	2	public	public	ADJ
fbem-29337	180	3	-	-	PUNCT
fbem-29337	180	4	private	private	ADJ
fbem-29337	180	5	partnerships	partnership	NOUN
fbem-29337	180	6	:	:	PUNCT
fbem-29337	180	7	collaboration	collaboration	NOUN
fbem-29337	180	8	between	between	ADP
fbem-29337	180	9	the	the	DET
fbem-29337	180	10	public	public	ADJ
fbem-29337	180	11	and	and	CCONJ
fbem-29337	180	12	private	private	ADJ
fbem-29337	180	13	sectors	sector	NOUN
fbem-29337	180	14	can	can	AUX
fbem-29337	180	15	foster	foster	VERB
fbem-29337	180	16	innovation	innovation	NOUN
fbem-29337	180	17	in	in	ADP
fbem-29337	180	18	financial	financial	ADJ
fbem-29337	180	19	products	product	NOUN
fbem-29337	180	20	and	and	CCONJ
fbem-29337	180	21	expand	expand	VERB
fbem-29337	180	22	outreach	outreach	NOUN
fbem-29337	180	23	to	to	ADP
fbem-29337	180	24	marginalized	marginalize	VERB
fbem-29337	180	25	communities	community	NOUN
fbem-29337	180	26	.	.	PUNCT
fbem-29337	181	1	incentivizing	incentivize	VERB
fbem-29337	181	2	fintech	fintech	NOUN
fbem-29337	181	3	companies	company	NOUN
fbem-29337	181	4	to	to	PART
fbem-29337	181	5	design	design	VERB
fbem-29337	181	6	solutions	solution	NOUN
fbem-29337	181	7	for	for	ADP
fbem-29337	181	8	low	low	ADJ
fbem-29337	181	9	-	-	PUNCT
fbem-29337	181	10	income	income	NOUN
fbem-29337	181	11	and	and	CCONJ
fbem-29337	181	12	rural	rural	ADJ
fbem-29337	181	13	households	household	NOUN
fbem-29337	181	14	can	can	AUX
fbem-29337	181	15	further	far	ADV
fbem-29337	181	16	enhance	enhance	VERB
fbem-29337	181	17	inclusivity	inclusivity	NOUN
fbem-29337	181	18	.	.	PUNCT
fbem-29337	182	1	7.3	7.3	NUM
fbem-29337	182	2	.	.	PUNCT
fbem-29337	182	3	contribution	contribution	NOUN
fbem-29337	182	4	to	to	ADP
fbem-29337	182	5	academic	academic	ADJ
fbem-29337	182	6	and	and	CCONJ
fbem-29337	182	7	policy	policy	NOUN
fbem-29337	182	8	discourse	discourse	NOUN
fbem-29337	182	9	this	this	DET
fbem-29337	182	10	study	study	NOUN
fbem-29337	182	11	contributes	contribute	VERB
fbem-29337	182	12	to	to	ADP
fbem-29337	182	13	the	the	DET
fbem-29337	182	14	growing	grow	VERB
fbem-29337	182	15	body	body	NOUN
fbem-29337	182	16	of	of	ADP
fbem-29337	182	17	literature	literature	NOUN
fbem-29337	182	18	on	on	ADP
fbem-29337	182	19	financial	financial	ADJ
fbem-29337	182	20	inclusion	inclusion	NOUN
fbem-29337	182	21	by	by	ADP
fbem-29337	182	22	providing	provide	VERB
fbem-29337	182	23	empirical	empirical	ADJ
fbem-29337	182	24	evidence	evidence	NOUN
fbem-29337	182	25	of	of	ADP
fbem-29337	182	26	dfi	dfi	PROPN
fbem-29337	182	27	’s	’s	PART
fbem-29337	182	28	impact	impact	NOUN
fbem-29337	182	29	on	on	ADP
fbem-29337	182	30	household	household	NOUN
fbem-29337	182	31	consumption	consumption	NOUN
fbem-29337	182	32	in	in	ADP
fbem-29337	182	33	the	the	DET
fbem-29337	182	34	chinese	chinese	ADJ
fbem-29337	182	35	context	context	NOUN
fbem-29337	182	36	.	.	PUNCT
fbem-29337	183	1	it	it	PRON
fbem-29337	183	2	bridges	bridge	VERB
fbem-29337	183	3	gaps	gap	NOUN
fbem-29337	183	4	in	in	ADP
fbem-29337	183	5	existing	exist	VERB
fbem-29337	183	6	research	research	NOUN
fbem-29337	183	7	by	by	ADP
fbem-29337	183	8	:	:	PUNCT
fbem-29337	183	9	highlighting	highlight	VERB
fbem-29337	183	10	the	the	DET
fbem-29337	183	11	heterogeneous	heterogeneous	ADJ
fbem-29337	183	12	effects	effect	NOUN
fbem-29337	183	13	of	of	ADP
fbem-29337	183	14	dfi	dfi	PROPN
fbem-29337	183	15	across	across	ADP
fbem-29337	183	16	different	different	ADJ
fbem-29337	183	17	demographic	demographic	ADJ
fbem-29337	183	18	and	and	CCONJ
fbem-29337	183	19	geographic	geographic	ADJ
fbem-29337	183	20	groups	group	NOUN
fbem-29337	183	21	.	.	PUNCT
fbem-29337	184	1	demonstrating	demonstrate	VERB
fbem-29337	184	2	how	how	SCONJ
fbem-29337	184	3	dfi	dfi	PROPN
fbem-29337	184	4	drives	drive	VERB
fbem-29337	184	5	not	not	PART
fbem-29337	184	6	only	only	ADV
fbem-29337	184	7	immediate	immediate	ADJ
fbem-29337	184	8	consumption	consumption	NOUN
fbem-29337	184	9	but	but	CCONJ
fbem-29337	184	10	also	also	ADV
fbem-29337	184	11	long	long	ADJ
fbem-29337	184	12	-	-	PUNCT
fbem-29337	184	13	term	term	NOUN
fbem-29337	184	14	investments	investment	NOUN
fbem-29337	184	15	in	in	ADP
fbem-29337	184	16	critical	critical	ADJ
fbem-29337	184	17	sectors	sector	NOUN
fbem-29337	184	18	like	like	ADP
fbem-29337	184	19	education	education	NOUN
fbem-29337	184	20	and	and	CCONJ
fbem-29337	184	21	healthcare	healthcare	PROPN
fbem-29337	184	22	.	.	PUNCT
fbem-29337	185	1	the	the	DET
fbem-29337	185	2	research	research	NOUN
fbem-29337	185	3	also	also	ADV
fbem-29337	185	4	offers	offer	VERB
fbem-29337	185	5	a	a	DET
fbem-29337	185	6	policy	policy	NOUN
fbem-29337	185	7	roadmap	roadmap	NOUN
fbem-29337	185	8	for	for	ADP
fbem-29337	185	9	leveraging	leverage	VERB
fbem-29337	185	10	dfi	dfi	PROPN
fbem-29337	185	11	to	to	PART
fbem-29337	185	12	achieve	achieve	VERB
fbem-29337	185	13	sustainable	sustainable	ADJ
fbem-29337	185	14	economic	economic	ADJ
fbem-29337	185	15	development	development	NOUN
fbem-29337	185	16	,	,	PUNCT
fbem-29337	185	17	aligning	align	VERB
fbem-29337	185	18	with	with	ADP
fbem-29337	185	19	global	global	ADJ
fbem-29337	185	20	goals	goal	NOUN
fbem-29337	185	21	such	such	ADJ
fbem-29337	185	22	as	as	ADP
fbem-29337	185	23	poverty	poverty	NOUN
fbem-29337	185	24	reduction	reduction	NOUN
fbem-29337	185	25	and	and	CCONJ
fbem-29337	185	26	equitable	equitable	ADJ
fbem-29337	185	27	growth	growth	NOUN
fbem-29337	185	28	.	.	PUNCT
fbem-29337	186	1	7.4	7.4	NUM
fbem-29337	186	2	.	.	PUNCT
fbem-29337	187	1	future	future	ADJ
fbem-29337	187	2	directions	direction	NOUN
fbem-29337	187	3	while	while	SCONJ
fbem-29337	187	4	the	the	DET
fbem-29337	187	5	study	study	NOUN
fbem-29337	187	6	underscores	underscore	VERB
fbem-29337	187	7	dfi	dfi	PROPN
fbem-29337	187	8	’s	’s	PART
fbem-29337	187	9	transformative	transformative	ADJ
fbem-29337	187	10	potential	potential	NOUN
fbem-29337	187	11	,	,	PUNCT
fbem-29337	187	12	several	several	ADJ
fbem-29337	187	13	areas	area	NOUN
fbem-29337	187	14	warrant	warrant	VERB
fbem-29337	187	15	further	further	ADJ
fbem-29337	187	16	exploration	exploration	NOUN
fbem-29337	187	17	:	:	PUNCT
fbem-29337	187	18	environmental	environmental	ADJ
fbem-29337	187	19	sustainability	sustainability	NOUN
fbem-29337	187	20	:	:	PUNCT
fbem-29337	187	21	investigating	investigate	VERB
fbem-29337	187	22	how	how	SCONJ
fbem-29337	187	23	dfi	dfi	PROPN
fbem-29337	187	24	can	can	AUX
fbem-29337	187	25	support	support	VERB
fbem-29337	187	26	green	green	ADJ
fbem-29337	187	27	financing	financing	NOUN
fbem-29337	187	28	and	and	CCONJ
fbem-29337	187	29	promote	promote	VERB
fbem-29337	187	30	eco	eco	NOUN
fbem-29337	187	31	-	-	PUNCT
fbem-29337	187	32	friendly	friendly	ADJ
fbem-29337	187	33	consumption	consumption	NOUN
fbem-29337	187	34	patterns	pattern	NOUN
fbem-29337	187	35	.	.	PUNCT
fbem-29337	188	1	behavioral	behavioral	ADJ
fbem-29337	188	2	economics	economic	NOUN
fbem-29337	188	3	:	:	PUNCT
fbem-29337	188	4	understanding	understand	VERB
fbem-29337	188	5	how	how	SCONJ
fbem-29337	188	6	digital	digital	ADJ
fbem-29337	188	7	nudges	nudge	NOUN
fbem-29337	188	8	and	and	CCONJ
fbem-29337	188	9	platform	platform	NOUN
fbem-29337	188	10	designs	design	NOUN
fbem-29337	188	11	influence	influence	NOUN
fbem-29337	188	12	consumer	consumer	NOUN
fbem-29337	188	13	behavior	behavior	NOUN
fbem-29337	188	14	and	and	CCONJ
fbem-29337	188	15	financial	financial	ADJ
fbem-29337	188	16	decision	decision	NOUN
fbem-29337	188	17	-	-	PUNCT
fbem-29337	188	18	making	making	NOUN
fbem-29337	188	19	.	.	PUNCT
fbem-29337	189	1	global	global	ADJ
fbem-29337	189	2	comparisons	comparison	NOUN
fbem-29337	189	3	:	:	PUNCT
fbem-29337	189	4	examining	examine	VERB
fbem-29337	189	5	dfi	dfi	PROPN
fbem-29337	189	6	’s	’s	PART
fbem-29337	189	7	impact	impact	NOUN
fbem-29337	189	8	in	in	ADP
fbem-29337	189	9	other	other	ADJ
fbem-29337	189	10	developing	develop	VERB
fbem-29337	189	11	economies	economy	NOUN
fbem-29337	189	12	to	to	PART
fbem-29337	189	13	identify	identify	VERB
fbem-29337	189	14	best	good	ADJ
fbem-29337	189	15	practices	practice	NOUN
fbem-29337	189	16	and	and	CCONJ
fbem-29337	189	17	scalable	scalable	ADJ
fbem-29337	189	18	solutions	solution	NOUN
fbem-29337	189	19	.	.	PUNCT
fbem-29337	190	1	7.5	7.5	NUM
fbem-29337	190	2	.	.	PUNCT
fbem-29337	191	1	final	final	ADJ
fbem-29337	191	2	thoughts	thought	NOUN
fbem-29337	191	3	dfi	dfi	PROPN
fbem-29337	191	4	represents	represent	VERB
fbem-29337	191	5	a	a	DET
fbem-29337	191	6	powerful	powerful	ADJ
fbem-29337	191	7	tool	tool	NOUN
fbem-29337	191	8	for	for	ADP
fbem-29337	191	9	addressing	address	VERB
fbem-29337	191	10	systemic	systemic	ADJ
fbem-29337	191	11	inequities	inequity	NOUN
fbem-29337	191	12	in	in	ADP
fbem-29337	191	13	china	china	PROPN
fbem-29337	191	14	’s	’s	PART
fbem-29337	191	15	financial	financial	ADJ
fbem-29337	191	16	landscape	landscape	NOUN
fbem-29337	191	17	,	,	PUNCT
fbem-29337	191	18	empowering	empower	VERB
fbem-29337	191	19	households	household	NOUN
fbem-29337	191	20	to	to	PART
fbem-29337	191	21	participate	participate	VERB
fbem-29337	191	22	in	in	ADP
fbem-29337	191	23	the	the	DET
fbem-29337	191	24	formal	formal	ADJ
fbem-29337	191	25	economy	economy	NOUN
fbem-29337	191	26	and	and	CCONJ
fbem-29337	191	27	improve	improve	VERB
fbem-29337	191	28	their	their	PRON
fbem-29337	191	29	quality	quality	NOUN
fbem-29337	191	30	of	of	ADP
fbem-29337	191	31	life	life	NOUN
fbem-29337	191	32	.	.	PUNCT
fbem-29337	192	1	by	by	ADP
fbem-29337	192	2	fostering	foster	VERB
fbem-29337	192	3	inclusivity	inclusivity	NOUN
fbem-29337	192	4	and	and	CCONJ
fbem-29337	192	5	reducing	reduce	VERB
fbem-29337	192	6	barriers	barrier	NOUN
fbem-29337	192	7	to	to	ADP
fbem-29337	192	8	financial	financial	ADJ
fbem-29337	192	9	access	access	NOUN
fbem-29337	192	10	,	,	PUNCT
fbem-29337	192	11	dfi	dfi	PROPN
fbem-29337	192	12	has	have	VERB
fbem-29337	192	13	the	the	DET
fbem-29337	192	14	potential	potential	NOUN
fbem-29337	192	15	to	to	PART
fbem-29337	192	16	transform	transform	VERB
fbem-29337	192	17	the	the	DET
fbem-29337	192	18	socio	socio	NOUN
fbem-29337	192	19	-	-	PUNCT
fbem-29337	192	20	economic	economic	ADJ
fbem-29337	192	21	fabric	fabric	NOUN
fbem-29337	192	22	of	of	ADP
fbem-29337	192	23	the	the	DET
fbem-29337	192	24	country	country	NOUN
fbem-29337	192	25	.	.	PUNCT
fbem-29337	193	1	however	however	ADV
fbem-29337	193	2	,	,	PUNCT
fbem-29337	193	3	the	the	DET
fbem-29337	193	4	successful	successful	ADJ
fbem-29337	193	5	realization	realization	NOUN
fbem-29337	193	6	of	of	ADP
fbem-29337	193	7	this	this	DET
fbem-29337	193	8	potential	potential	NOUN
fbem-29337	193	9	depends	depend	VERB
fbem-29337	193	10	on	on	ADP
fbem-29337	193	11	collective	collective	ADJ
fbem-29337	193	12	action	action	NOUN
fbem-29337	193	13	.	.	PUNCT
fbem-29337	194	1	policymakers	policymaker	NOUN
fbem-29337	194	2	,	,	PUNCT
fbem-29337	194	3	financial	financial	ADJ
fbem-29337	194	4	institutions	institution	NOUN
fbem-29337	194	5	,	,	PUNCT
fbem-29337	194	6	and	and	CCONJ
fbem-29337	194	7	technology	technology	NOUN
fbem-29337	194	8	providers	provider	NOUN
fbem-29337	194	9	must	must	AUX
fbem-29337	194	10	work	work	VERB
fbem-29337	194	11	together	together	ADV
fbem-29337	194	12	to	to	PART
fbem-29337	194	13	expand	expand	VERB
fbem-29337	194	14	digital	digital	ADJ
fbem-29337	194	15	infrastructure	infrastructure	NOUN
fbem-29337	194	16	,	,	PUNCT
fbem-29337	194	17	protect	protect	VERB
fbem-29337	194	18	consumer	consumer	NOUN
fbem-29337	194	19	rights	right	NOUN
fbem-29337	194	20	,	,	PUNCT
fbem-29337	194	21	and	and	CCONJ
fbem-29337	194	22	promote	promote	VERB
fbem-29337	194	23	financial	financial	ADJ
fbem-29337	194	24	literacy	literacy	NOUN
fbem-29337	194	25	.	.	PUNCT
fbem-29337	195	1	only	only	ADV
fbem-29337	195	2	through	through	ADP
fbem-29337	195	3	such	such	ADJ
fbem-29337	195	4	coordinated	coordinated	ADJ
fbem-29337	195	5	efforts	effort	NOUN
fbem-29337	195	6	can	can	AUX
fbem-29337	195	7	dfi	dfi	PROPN
fbem-29337	195	8	continue	continue	VERB
fbem-29337	195	9	to	to	PART
fbem-29337	195	10	drive	drive	VERB
fbem-29337	195	11	sustainable	sustainable	ADJ
fbem-29337	195	12	and	and	CCONJ
fbem-29337	195	13	equitable	equitable	ADJ
fbem-29337	195	14	economic	economic	ADJ
fbem-29337	195	15	development	development	NOUN
fbem-29337	195	16	,	,	PUNCT
fbem-29337	195	17	ensuring	ensure	VERB
fbem-29337	195	18	that	that	SCONJ
fbem-29337	195	19	no	no	DET
fbem-29337	195	20	household	household	NOUN
fbem-29337	195	21	is	be	AUX
fbem-29337	195	22	left	leave	VERB
fbem-29337	195	23	behind	behind	ADV
fbem-29337	195	24	in	in	ADP
fbem-29337	195	25	the	the	DET
fbem-29337	195	26	digital	digital	ADJ
fbem-29337	195	27	age	age	NOUN
fbem-29337	195	28	.	.	PUNCT
fbem-29337	196	1	references	reference	NOUN
fbem-29337	196	2	[	[	X
fbem-29337	196	3	1	1	NUM
fbem-29337	196	4	]	]	X
fbem-29337	196	5	beck	beck	NOUN
fbem-29337	196	6	,	,	PUNCT
fbem-29337	196	7	t.	t.	PROPN
fbem-29337	196	8	,	,	PUNCT
fbem-29337	196	9	pamuk	pamuk	PROPN
fbem-29337	196	10	,	,	PUNCT
fbem-29337	196	11	h.	h.	PROPN
fbem-29337	196	12	,	,	PUNCT
fbem-29337	196	13	ramrattan	ramrattan	PROPN
fbem-29337	196	14	,	,	PUNCT
fbem-29337	196	15	r.	r.	PROPN
fbem-29337	196	16	,	,	PUNCT
fbem-29337	196	17	&	&	CCONJ
fbem-29337	196	18	uras	uras	PROPN
fbem-29337	196	19	,	,	PUNCT
fbem-29337	196	20	b.	b.	PROPN
fbem-29337	196	21	r.	r.	PROPN
fbem-29337	196	22	(	(	PUNCT
fbem-29337	196	23	2018	2018	NUM
fbem-29337	196	24	)	)	PUNCT
fbem-29337	196	25	.	.	PUNCT
fbem-29337	197	1	payment	payment	NOUN
fbem-29337	197	2	instruments	instrument	NOUN
fbem-29337	197	3	,	,	PUNCT
fbem-29337	197	4	finance	finance	NOUN
fbem-29337	197	5	and	and	CCONJ
fbem-29337	197	6	development	development	NOUN
fbem-29337	197	7	.	.	PUNCT
fbem-29337	198	1	journal	journal	PROPN
fbem-29337	198	2	of	of	ADP
fbem-29337	198	3	development	development	NOUN
fbem-29337	198	4	economics	economic	NOUN
fbem-29337	198	5	.	.	PUNCT
fbem-29337	199	1	[	[	X
fbem-29337	199	2	2	2	NUM
fbem-29337	199	3	]	]	X
fbem-29337	199	4	demir	demir	PROPN
fbem-29337	199	5	,	,	PUNCT
fbem-29337	199	6	a.	a.	PROPN
fbem-29337	199	7	,	,	PUNCT
fbem-29337	199	8	pesqué	pesqué	PROPN
fbem-29337	199	9	-	-	PUNCT
fbem-29337	199	10	cela	cela	PROPN
fbem-29337	199	11	,	,	PUNCT
fbem-29337	199	12	v.	v.	ADV
fbem-29337	199	13	,	,	PUNCT
fbem-29337	199	14	altunbas	altunbas	PROPN
fbem-29337	199	15	,	,	PUNCT
fbem-29337	199	16	y.	y.	PROPN
fbem-29337	199	17	,	,	PUNCT
fbem-29337	199	18	&	&	CCONJ
fbem-29337	199	19	murinde	murinde	PROPN
fbem-29337	199	20	,	,	PUNCT
fbem-29337	199	21	v.	v.	PROPN
fbem-29337	199	22	(	(	PUNCT
fbem-29337	199	23	2022	2022	NUM
fbem-29337	199	24	)	)	PUNCT
fbem-29337	199	25	.	.	PUNCT
fbem-29337	200	1	fintech	fintech	NOUN
fbem-29337	200	2	,	,	PUNCT
fbem-29337	200	3	financial	financial	ADJ
fbem-29337	200	4	inclusion	inclusion	NOUN
fbem-29337	200	5	and	and	CCONJ
fbem-29337	200	6	income	income	NOUN
fbem-29337	200	7	inequality	inequality	NOUN
fbem-29337	200	8	:	:	PUNCT
fbem-29337	200	9	a	a	DET
fbem-29337	200	10	quantile	quantile	ADJ
fbem-29337	200	11	regression	regression	NOUN
fbem-29337	200	12	approach	approach	NOUN
fbem-29337	200	13	.	.	PUNCT
fbem-29337	201	1	the	the	DET
fbem-29337	201	2	european	european	PROPN
fbem-29337	201	3	journal	journal	PROPN
fbem-29337	201	4	of	of	ADP
fbem-29337	201	5	finance	finance	NOUN
fbem-29337	201	6	,	,	PUNCT
fbem-29337	201	7	28(1	28(1	NOUN
fbem-29337	201	8	)	)	PUNCT
fbem-29337	201	9	,	,	PUNCT
fbem-29337	201	10	86–107	86–107	PROPN
fbem-29337	201	11	.	.	PUNCT
fbem-29337	202	1	[	[	X
fbem-29337	202	2	3	3	NUM
fbem-29337	202	3	]	]	SYM
fbem-29337	202	4	li	li	PROPN
fbem-29337	202	5	,	,	PUNCT
fbem-29337	202	6	j.	j.	PROPN
fbem-29337	202	7	,	,	PUNCT
fbem-29337	202	8	wu	wu	PROPN
fbem-29337	202	9	,	,	PUNCT
fbem-29337	202	10	y.	y.	PROPN
fbem-29337	202	11	,	,	PUNCT
fbem-29337	202	12	&	&	CCONJ
fbem-29337	202	13	xiao	xiao	PROPN
fbem-29337	202	14	,	,	PUNCT
fbem-29337	202	15	j.	j.	PROPN
fbem-29337	202	16	j.	j.	PROPN
fbem-29337	202	17	(	(	PUNCT
fbem-29337	202	18	2020	2020	NUM
fbem-29337	202	19	)	)	PUNCT
fbem-29337	202	20	.	.	PUNCT
fbem-29337	203	1	the	the	DET
fbem-29337	203	2	impact	impact	NOUN
fbem-29337	203	3	of	of	ADP
fbem-29337	203	4	digital	digital	ADJ
fbem-29337	203	5	finance	finance	NOUN
fbem-29337	203	6	on	on	ADP
fbem-29337	203	7	household	household	NOUN
fbem-29337	203	8	consumption	consumption	NOUN
fbem-29337	203	9	:	:	PUNCT
fbem-29337	203	10	evidence	evidence	NOUN
fbem-29337	203	11	from	from	ADP
fbem-29337	203	12	china	china	PROPN
fbem-29337	203	13	.	.	PUNCT
fbem-29337	204	1	economic	economic	ADJ
fbem-29337	204	2	modelling	modelling	NOUN
fbem-29337	204	3	,	,	PUNCT
fbem-29337	204	4	86	86	NUM
fbem-29337	204	5	,	,	PUNCT
fbem-29337	204	6	317–326	317–326	NUM
fbem-29337	204	7	.	.	PUNCT
fbem-29337	205	1	[	[	X
fbem-29337	205	2	4	4	NUM
fbem-29337	205	3	]	]	X
fbem-29337	205	4	wang	wang	PROPN
fbem-29337	205	5	,	,	PUNCT
fbem-29337	205	6	x.	x.	PROPN
fbem-29337	205	7	,	,	PUNCT
fbem-29337	205	8	&	&	CCONJ
fbem-29337	205	9	wang	wang	PROPN
fbem-29337	205	10	,	,	PUNCT
fbem-29337	205	11	x.	x.	NOUN
fbem-29337	205	12	(	(	PUNCT
fbem-29337	205	13	2022	2022	NUM
fbem-29337	205	14	)	)	PUNCT
fbem-29337	205	15	.	.	PUNCT
fbem-29337	206	1	digital	digital	ADJ
fbem-29337	206	2	financial	financial	ADJ
fbem-29337	206	3	inclusion	inclusion	NOUN
fbem-29337	206	4	and	and	CCONJ
fbem-29337	206	5	household	household	NOUN
fbem-29337	206	6	risk	risk	NOUN
fbem-29337	206	7	sharing	sharing	NOUN
fbem-29337	206	8	:	:	PUNCT
fbem-29337	206	9	evidence	evidence	NOUN
fbem-29337	206	10	from	from	ADP
fbem-29337	206	11	china	china	PROPN
fbem-29337	206	12	’s	’s	PART
fbem-29337	206	13	digital	digital	PROPN
fbem-29337	206	14	finance	finance	NOUN
fbem-29337	206	15	revolution	revolution	NOUN
fbem-29337	206	16	.	.	PUNCT
fbem-29337	207	1	[	[	X
fbem-29337	207	2	5	5	X
fbem-29337	207	3	]	]	PUNCT
fbem-29337	207	4	people	people	NOUN
fbem-29337	207	5	's	's	PART
fbem-29337	207	6	bank	bank	PROPN
fbem-29337	207	7	of	of	ADP
fbem-29337	207	8	china	china	PROPN
fbem-29337	207	9	.	.	PUNCT
fbem-29337	208	1	(	(	PUNCT
fbem-29337	208	2	2020	2020	NUM
fbem-29337	208	3	)	)	PUNCT
fbem-29337	208	4	.	.	PUNCT
fbem-29337	209	1	digital	digital	ADJ
fbem-29337	209	2	financial	financial	ADJ
fbem-29337	209	3	inclusion	inclusion	NOUN
fbem-29337	209	4	in	in	ADP
fbem-29337	209	5	china	china	PROPN
fbem-29337	209	6	:	:	PUNCT
fbem-29337	209	7	regional	regional	ADJ
fbem-29337	209	8	differences	difference	NOUN
fbem-29337	209	9	and	and	CCONJ
fbem-29337	209	10	policy	policy	NOUN
fbem-29337	209	11	implications	implication	NOUN
fbem-29337	209	12	.	.	PUNCT
fbem-29337	210	1	people	people	NOUN
fbem-29337	210	2	's	's	PART
fbem-29337	210	3	bank	bank	PROPN
fbem-29337	210	4	of	of	ADP
fbem-29337	210	5	china	china	PROPN
fbem-29337	210	6	.	.	PUNCT
fbem-29337	211	1	[	[	X
fbem-29337	211	2	6	6	NUM
fbem-29337	211	3	]	]	PUNCT
fbem-29337	211	4	china	china	PROPN
fbem-29337	211	5	household	household	PROPN
fbem-29337	211	6	finance	finance	NOUN
fbem-29337	211	7	survey	survey	NOUN
fbem-29337	211	8	(	(	PUNCT
fbem-29337	211	9	chfs	chfs	NOUN
fbem-29337	211	10	)	)	PUNCT
fbem-29337	211	11	.	.	PUNCT
fbem-29337	212	1	(	(	PUNCT
fbem-29337	212	2	2019	2019	NUM
fbem-29337	212	3	)	)	PUNCT
fbem-29337	212	4	.	.	PUNCT
fbem-29337	213	1	china	china	PROPN
fbem-29337	213	2	household	household	PROPN
fbem-29337	213	3	finance	finance	PROPN
fbem-29337	213	4	survey	survey	NOUN
fbem-29337	213	5	report	report	NOUN
fbem-29337	213	6	.	.	PUNCT
fbem-29337	214	1	research	research	NOUN
fbem-29337	214	2	center	center	NOUN
fbem-29337	214	3	for	for	ADP
fbem-29337	214	4	chinese	chinese	ADJ
fbem-29337	214	5	household	household	NOUN
fbem-29337	214	6	finance	finance	NOUN
fbem-29337	214	7	,	,	PUNCT
fbem-29337	214	8	southwestern	southwestern	ADJ
fbem-29337	214	9	university	university	NOUN
fbem-29337	214	10	of	of	ADP
fbem-29337	214	11	finance	finance	NOUN
fbem-29337	214	12	and	and	CCONJ
fbem-29337	214	13	economics	economic	NOUN
fbem-29337	214	14	.	.	PUNCT
fbem-29337	215	1	[	[	X
fbem-29337	215	2	7	7	X
fbem-29337	215	3	]	]	PUNCT
fbem-29337	215	4	world	world	PROPN
fbem-29337	215	5	bank	bank	PROPN
fbem-29337	215	6	.	.	PUNCT
fbem-29337	216	1	(	(	PUNCT
fbem-29337	216	2	2019	2019	NUM
fbem-29337	216	3	)	)	PUNCT
fbem-29337	216	4	.	.	PUNCT
fbem-29337	217	1	impact	impact	NOUN
fbem-29337	217	2	of	of	ADP
fbem-29337	217	3	digital	digital	ADJ
fbem-29337	217	4	financial	financial	ADJ
fbem-29337	217	5	services	service	NOUN
fbem-29337	217	6	on	on	ADP
fbem-29337	217	7	rural	rural	ADJ
fbem-29337	217	8	households	household	NOUN
fbem-29337	217	9	in	in	ADP
fbem-29337	217	10	china	china	PROPN
fbem-29337	217	11	.	.	PUNCT
fbem-29337	218	1	world	world	PROPN
fbem-29337	218	2	bank	bank	PROPN
fbem-29337	218	3	group	group	NOUN
fbem-29337	218	4	.	.	PUNCT
fbem-29337	219	1	[	[	X
fbem-29337	219	2	8	8	NUM
fbem-29337	219	3	]	]	X
fbem-29337	219	4	wang	wang	PROPN
fbem-29337	219	5	,	,	PUNCT
fbem-29337	219	6	y.	y.	PROPN
fbem-29337	219	7	,	,	PUNCT
fbem-29337	219	8	&	&	CCONJ
fbem-29337	219	9	zhang	zhang	PROPN
fbem-29337	219	10	,	,	PUNCT
fbem-29337	219	11	l.	l.	PROPN
fbem-29337	219	12	(	(	PUNCT
fbem-29337	219	13	2020	2020	NUM
fbem-29337	219	14	)	)	PUNCT
fbem-29337	219	15	.	.	PUNCT
fbem-29337	220	1	gender	gender	NOUN
fbem-29337	220	2	and	and	CCONJ
fbem-29337	220	3	digital	digital	ADJ
fbem-29337	220	4	financial	financial	ADJ
fbem-29337	220	5	inclusion	inclusion	NOUN
fbem-29337	220	6	in	in	ADP
fbem-29337	220	7	china	china	PROPN
fbem-29337	220	8	.	.	PUNCT
fbem-29337	221	1	journal	journal	PROPN
fbem-29337	221	2	of	of	ADP
fbem-29337	221	3	financial	financial	ADJ
fbem-29337	221	4	inclusion	inclusion	NOUN
fbem-29337	221	5	.	.	PUNCT