id	sid	eid	entity	type
hassl-3974	1	1	45	CARDINAL
hassl-3974	1	2	2025	CARDINAL
hassl-3974	3	1	2025	CARDINAL
hassl-3974	3	2	13	CARDINAL
hassl-3974	3	3	1	CARDINAL
hassl-3974	4	1	45	CARDINAL
hassl-3974	4	2	2312-4318	CARDINAL
hassl-3974	4	3	2312-5659	DATE
hassl-3974	4	4	10.18488/73.v13i1.3974	CARDINAL
hassl-3974	4	5	2025	CARDINAL
hassl-3974	6	1	oanh vu	PERSON
hassl-3974	6	2	kim1+ tien tran ngoc thuy2	PERSON
hassl-3974	7	1	thanh4	ORG
hassl-3974	7	2	nguyen thi5	PERSON
hassl-3974	7	3	thanh nguyen thi minh6 1,2,3,4,5,6banking	PERSON
hassl-3974	7	4	vietnam	GPE
hassl-3974	7	5	vietnam	GPE
hassl-3974	8	1	1email	DATE
hassl-3974	8	2	2email	CARDINAL
hassl-3974	8	3	24a4011884@hvnh.edu.vn 3email	CARDINAL
hassl-3974	9	1	4email	CARDINAL
hassl-3974	9	2	24a4010498@hvnh.edu.vn 5email	CARDINAL
hassl-3974	10	1	30	CARDINAL
hassl-3974	10	2	14 october 2024	DATE
hassl-3974	10	3	28	CARDINAL
hassl-3974	10	4	november 2024	DATE
hassl-3974	11	1	hanoi	GPE
hassl-3974	11	2	vietnam	GPE
hassl-3974	12	1	250	CARDINAL
hassl-3974	12	2	55	DATE
hassl-3974	12	3	april 2024	DATE
hassl-3974	13	1	pls	NORP
hassl-3974	13	2	4	CARDINAL
hassl-3974	19	1	hanoi	GPE
hassl-3974	19	2	vietnam	GPE
hassl-3974	21	1	1	CARDINAL
hassl-3974	22	1	the world health organization	ORG
hassl-3974	22	2	the years	DATE
hassl-3974	23	1	60	DATE
hassl-3974	23	2	approximately 12% to 22%	PERCENT
hassl-3974	23	3	between 2015	CARDINAL
hassl-3974	23	4	2050	DATE
hassl-3974	25	1	https://www.doi.org/10.18488/73.v13i1.3974	ORG
hassl-3974	25	2	https://orcid.org/0009-0009-4488-5756	NORP
hassl-3974	25	3	mailto:oanhvtk@hvnh.edu.vn	ORG
hassl-3974	25	4	mailto:dokhanhlinhpka@gmail.com	ORG
hassl-3974	25	5	mailto:minhthanhnt611@gmail.com	NORP
hassl-3974	25	6	social sciences letters	ORG
hassl-3974	25	7	2025	DATE
hassl-3974	25	8	13(1	DATE
hassl-3974	25	9	45	CARDINAL
hassl-3974	25	10	2025	CARDINAL
hassl-3974	28	1	recent years	DATE
hassl-3974	29	1	1985	DATE
hassl-3974	31	1	vigneron & johnson	ORG
hassl-3974	31	2	1999	DATE
hassl-3974	32	1	digital financial services	ORG
hassl-3974	32	2	kass-hanna, & greenlee	ORG
hassl-3974	32	3	2020	DATE
hassl-3974	37	1	vietnam	GPE
hassl-3974	37	2	2022	CARDINAL
hassl-3974	38	1	vietnam	GPE
hassl-3974	38	2	second	ORDINAL
hassl-3974	38	3	69%	PERCENT
hassl-3974	38	4	2021	CARDINAL
hassl-3974	43	1	vietnam	GPE
hassl-3974	44	1	section 2	LAW
hassl-3974	45	1	section 3	LAW
hassl-3974	46	1	section 4	LAW
hassl-3974	46	2	section 5	LAW
hassl-3974	47	1	2	CARDINAL
hassl-3974	47	2	2.1	CARDINAL
hassl-3974	48	1	the past few decades	DATE
hassl-3974	51	1	michael, hill	ORG
hassl-3974	51	2	perdue	PERSON
hassl-3974	51	3	2010	DATE
hassl-3974	53	1	remund	PERSON
hassl-3974	53	2	2010	DATE
hassl-3974	56	1	annamaria lusardi	PERSON
hassl-3974	56	2	mitchell (	ORG
hassl-3974	56	3	2011	DATE
hassl-3974	57	1	social sciences letters	ORG
hassl-3974	57	2	2025	DATE
hassl-3974	57	3	13(1	DATE
hassl-3974	57	4	45	CARDINAL
hassl-3974	57	5	2025	CARDINAL
hassl-3974	59	1	sumiati	ORG
hassl-3974	59	2	2022	CARDINAL
hassl-3974	59	3	indonesia	GPE
hassl-3974	60	1	388	CARDINAL
hassl-3974	60	2	about 61.07%	PERCENT
hassl-3974	60	3	indonesia	GPE
hassl-3974	61	1	4.04	CARDINAL
hassl-3974	61	2	4.05	CARDINAL
hassl-3974	66	1	fong	PERSON
hassl-3974	66	2	koh	PERSON
hassl-3974	66	3	mitchell	PERSON
hassl-3974	66	4	2021	CARDINAL
hassl-3974	66	5	2015-2017	CARDINAL
hassl-3974	66	6	singapore	GPE
hassl-3974	66	7	50-70	CARDINAL
hassl-3974	67	1	three	CARDINAL
hassl-3974	67	2	three	CARDINAL
hassl-3974	69	1	2.2	CARDINAL
hassl-3974	70	1	recent years	DATE
hassl-3974	74	1	prasad	ORG
hassl-3974	74	2	2018	DATE
hassl-3974	75	1	2021	CARDINAL
hassl-3974	75	2	ali	PERSON
hassl-3974	75	3	2022	CARDINAL
hassl-3974	77	1	setiawan	PERSON
hassl-3974	77	2	dewi	PERSON
hassl-3974	77	3	2022	CARDINAL
hassl-3974	78	1	prasad et al	PERSON
hassl-3974	79	1	2018	DATE
hassl-3974	81	1	rahayu et al	PERSON
hassl-3974	82	1	2022	CARDINAL
hassl-3974	82	2	741	CARDINAL
hassl-3974	82	3	25-40	DATE
hassl-3974	82	4	indonesia	GPE
hassl-3974	83	1	3.32/5	CARDINAL
hassl-3974	83	2	3.48	CARDINAL
hassl-3974	84	1	indonesian	NORP
hassl-3974	86	1	2017	CARDINAL
hassl-3974	86	2	african	NORP
hassl-3974	89	1	social sciences letters	ORG
hassl-3974	89	2	2025	DATE
hassl-3974	89	3	13(1	DATE
hassl-3974	89	4	45	CARDINAL
hassl-3974	89	5	2025	CARDINAL
hassl-3974	91	1	abdallah	PERSON
hassl-3974	91	2	2024	CARDINAL
hassl-3974	92	1	385	CARDINAL
hassl-3974	94	1	2.3	CARDINAL
hassl-3974	96	1	lee & hanna	ORG
hassl-3974	96	2	2015	DATE
hassl-3974	98	1	lee	PERSON
hassl-3974	98	2	hanna	PERSON
hassl-3974	98	3	2015	CARDINAL
hassl-3974	98	4	six	CARDINAL
hassl-3974	99	1	sarah et al	PERSON
hassl-3974	100	1	2019	DATE
hassl-3974	100	2	50-70	CARDINAL
hassl-3974	102	1	2021	CARDINAL
hassl-3974	104	1	kamarudin	ORG
hassl-3974	104	2	2018	DATE
hassl-3974	104	3	2019	DATE
hassl-3974	105	1	kass-hanna	ORG
hassl-3974	105	2	lyons	PERSON
hassl-3974	105	3	liu	PERSON
hassl-3974	105	4	2022	CARDINAL
hassl-3974	105	5	south asia	LOC
hassl-3974	105	6	africa	LOC
hassl-3974	105	7	seven	CARDINAL
hassl-3974	115	1	3	CARDINAL
hassl-3974	117	1	hanoi	GPE
hassl-3974	117	2	vietnam	GPE
hassl-3974	118	1	social sciences letters	ORG
hassl-3974	118	2	2025	DATE
hassl-3974	118	3	13(1	DATE
hassl-3974	118	4	45-55 49	PERCENT
hassl-3974	118	5	2025	CARDINAL
hassl-3974	120	1	1	CARDINAL
hassl-3974	121	1	1	CARDINAL
hassl-3974	122	1	fl4	ORG
hassl-3974	122	2	esb1	ORG
hassl-3974	122	3	esb3	ORG
hassl-3974	123	1	dfl4	GPE
hassl-3974	124	1	3.1	CARDINAL
hassl-3974	124	2	1	CARDINAL
hassl-3974	125	1	1st april to 30th april	DATE
hassl-3974	125	2	2024	DATE
hassl-3974	126	1	5	CARDINAL
hassl-3974	129	1	1	CARDINAL
hassl-3974	130	1	bayar	ORG
hassl-3974	130	2	2017	CARDINAL
hassl-3974	130	3	atkinson	PERSON
hassl-3974	130	4	2012	DATE
hassl-3974	133	1	fl4	ORG
hassl-3974	136	1	morgan	ORG
hassl-3974	136	2	trinh	ORG
hassl-3974	136	3	2020	DATE
hassl-3974	136	4	prasad et al	PERSON
hassl-3974	137	1	2018	DATE
hassl-3974	140	1	esb1	ORG
hassl-3974	141	1	lee	PERSON
hassl-3974	141	2	hanna	PERSON
hassl-3974	141	3	2015	CARDINAL
hassl-3974	141	4	2021	CARDINAL
hassl-3974	142	1	the last year	DATE
hassl-3974	143	1	social sciences letters	ORG
hassl-3974	143	2	2025	DATE
hassl-3974	143	3	13(1	DATE
hassl-3974	143	4	45-55 50	PERCENT
hassl-3974	143	5	2025	CARDINAL
hassl-3974	145	1	3.2	CARDINAL
hassl-3974	145	2	55	DATE
hassl-3974	146	1	hanoi	GPE
hassl-3974	150	1	april 1st to april 30th	DATE
hassl-3974	150	2	2024	DATE
hassl-3974	151	1	300	CARDINAL
hassl-3974	151	2	250	CARDINAL
hassl-3974	151	3	83.3 %	PERCENT
hassl-3974	152	1	4	CARDINAL
hassl-3974	152	2	4.1	CARDINAL
hassl-3974	152	3	4.1.1	CARDINAL
hassl-3974	153	1	2	CARDINAL
hassl-3974	154	1	250	CARDINAL
hassl-3974	154	2	99	CARDINAL
hassl-3974	154	3	39.6%	PERCENT
hassl-3974	154	4	151	CARDINAL
hassl-3974	154	5	60.4%	PERCENT
hassl-3974	155	1	97.2%	PERCENT
hassl-3974	155	2	68%	PERCENT
hassl-3974	155	3	55-65	DATE
hassl-3974	155	4	29.2%	PERCENT
hassl-3974	155	5	over 65	DATE
hassl-3974	156	1	28.8%	PERCENT
hassl-3974	156	2	24%	PERCENT
hassl-3974	156	3	36.4%	PERCENT
hassl-3974	156	4	10.8%	PERCENT
hassl-3974	157	1	35.7%	PERCENT
hassl-3974	157	2	27.5%	PERCENT
hassl-3974	157	3	26%	PERCENT
hassl-3974	158	1	6.2%	PERCENT
hassl-3974	158	2	4.7%	PERCENT
hassl-3974	159	1	monthly	DATE
hassl-3974	159	2	less than 5 million	MONEY
hassl-3974	159	3	35.6%	PERCENT
hassl-3974	159	4	between 5-10 million	CARDINAL
hassl-3974	159	5	39.6%	PERCENT
hassl-3974	160	1	10-20 million	MONEY
hassl-3974	160	2	over 20 million	CARDINAL
hassl-3974	160	3	14.8%	PERCENT
hassl-3974	160	4	10%	PERCENT
hassl-3974	160	5	2	CARDINAL
hassl-3974	161	1	age under 55 years	DATE
hassl-3974	161	2	2.80%	PERCENT
hassl-3974	161	3	55-65 years	DATE
hassl-3974	161	4	68%	PERCENT
hassl-3974	161	5	28.80%	PERCENT
hassl-3974	161	6	36.40%	PERCENT
hassl-3974	161	7	24%	PERCENT
hassl-3974	161	8	10.80%	PERCENT
hassl-3974	161	9	27.50%	PERCENT
hassl-3974	161	10	26%	PERCENT
hassl-3974	161	11	6.20%	PERCENT
hassl-3974	161	12	35.70%	PERCENT
hassl-3974	161	13	monthly	DATE
hassl-3974	161	14	5 million	CARDINAL
hassl-3974	161	15	35.60%	PERCENT
hassl-3974	161	16	39.60%	PERCENT
hassl-3974	161	17	10-20 million vnd 14.80%	MONEY
hassl-3974	161	18	10%	PERCENT
hassl-3974	162	1	pls	NORP
hassl-3974	162	2	4	CARDINAL
hassl-3974	163	1	pls	NORP
hassl-3974	163	2	arnett	ORG
hassl-3974	163	3	2003	DATE
hassl-3974	164	1	social sciences letters	ORG
hassl-3974	164	2	2025	DATE
hassl-3974	164	3	13(1	DATE
hassl-3974	164	4	45-55 51	PERCENT
hassl-3974	164	5	2025	CARDINAL
hassl-3974	166	1	3	CARDINAL
hassl-3974	167	1	0.7	CARDINAL
hassl-3974	167	2	0.762 to 0.910	CARDINAL
hassl-3974	167	3	0.846	CARDINAL
hassl-3974	169	1	3	CARDINAL
hassl-3974	170	1	0.910	CARDINAL
hassl-3974	170	2	0.788	MONEY
hassl-3974	170	3	0.904	CARDINAL
hassl-3974	170	4	4	CARDINAL
hassl-3974	173	1	4	CARDINAL
hassl-3974	174	1	dfl fl	PERSON
hassl-3974	174	2	1	CARDINAL
hassl-3974	174	3	0.639	MONEY
hassl-3974	174	4	1 4.1.3	CARDINAL
hassl-3974	176	1	first	ORDINAL
hassl-3974	176	2	5	CARDINAL
hassl-3974	177	1	two	CARDINAL
hassl-3974	178	1	5	CARDINAL
hassl-3974	180	1	2.881	CARDINAL
hassl-3974	180	2	1.989	CARDINAL
hassl-3974	180	3	2.396	CARDINAL
hassl-3974	180	4	1.835	CARDINAL
hassl-3974	180	5	3.215	CARDINAL
hassl-3974	180	6	2.745	CARDINAL
hassl-3974	180	7	fl4	ORG
hassl-3974	180	8	1.915	CARDINAL
hassl-3974	180	9	esb1	ORG
hassl-3974	180	10	2.719	CARDINAL
hassl-3974	180	11	3.512 esb3	PRODUCT
hassl-3974	180	12	2.805	CARDINAL
hassl-3974	180	13	r2	GPE
hassl-3974	180	14	6	CARDINAL
hassl-3974	181	1	smart-pls4	GPE
hassl-3974	182	1	35.4%	PERCENT
hassl-3974	182	2	42.1%	PERCENT
hassl-3974	183	1	chin	PERSON
hassl-3974	183	2	1998	DATE
hassl-3974	183	3	f2	ORG
hassl-3974	184	1	f2	ORG
hassl-3974	185	1	social sciences letters	ORG
hassl-3974	185	2	2025	DATE
hassl-3974	185	3	13(1	DATE
hassl-3974	185	4	45	CARDINAL
hassl-3974	185	5	2025	CARDINAL
hassl-3974	187	1	6	CARDINAL
hassl-3974	188	1	f2	ORG
hassl-3974	189	1	r2 r2	PERSON
hassl-3974	189	2	f2	ORG
hassl-3974	189	3	0.356	CARDINAL
hassl-3974	189	4	0.553	CARDINAL
hassl-3974	189	5	0.416	CARDINAL
hassl-3974	189	6	7	CARDINAL
hassl-3974	189	7	7	CARDINAL
hassl-3974	192	1	0.639 0.045 14.209 0.000	QUANTITY
hassl-3974	192	2	0.035	MONEY
hassl-3974	192	3	0.016	MONEY
hassl-3974	192	4	7	CARDINAL
hassl-3974	198	1	4.2	CARDINAL
hassl-3974	199	1	firstly	ORDINAL
hassl-3974	202	1	morgan and	ORG
hassl-3974	202	2	trinh	ORG
hassl-3974	202	3	2020	DATE
hassl-3974	202	4	hijir	PERSON
hassl-3974	202	5	2022	CARDINAL
hassl-3974	203	1	secondly	ORDINAL
hassl-3974	204	1	ouma et al	PERSON
hassl-3974	205	1	2017	CARDINAL
hassl-3974	206	1	rahayu et al	PERSON
hassl-3974	207	1	2022	CARDINAL
hassl-3974	211	1	6	CARDINAL
hassl-3974	212	1	social sciences letters	ORG
hassl-3974	212	2	2025	DATE
hassl-3974	212	3	13(1	DATE
hassl-3974	212	4	45	CARDINAL
hassl-3974	212	5	2025	CARDINAL
hassl-3974	214	1	vietnam	GPE
hassl-3974	214	2	a few years	DATE
hassl-3974	216	1	thirdly	ORDINAL
hassl-3974	217	1	2021	CARDINAL
hassl-3974	218	1	2022	CARDINAL
hassl-3974	228	1	4.3	CARDINAL
hassl-3974	229	1	only a single month	DATE
hassl-3974	230	1	secondly	ORDINAL
hassl-3974	230	2	hanoi	GPE
hassl-3974	230	3	vietnam	GPE
hassl-3974	233	1	vietnam	GPE
hassl-3974	236	1	5	CARDINAL
hassl-3974	236	2	55 years old	DATE
hassl-3974	242	1	social sciences letters	ORG
hassl-3974	242	2	2025	DATE
hassl-3974	242	3	13(1	DATE
hassl-3974	242	4	45-55 54	PERCENT
hassl-3974	242	5	2025	CARDINAL
hassl-3974	244	1	vietnam	GPE
hassl-3974	244	2	2500	CARDINAL
hassl-3974	245	1	institutional review board	ORG
hassl-3974	245	2	vietnam	GPE
hassl-3974	245	3	vietnam	GPE
hassl-3974	247	1	2795	CARDINAL
hassl-3974	252	1	t.t.n.t.	GPE
hassl-3974	252	2	l.d.k.	GPE
hassl-3974	252	3	m.p.t.t.	PERSON
hassl-3974	252	4	t.n.t.m	DATE
hassl-3974	254	1	abdallah	PERSON
hassl-3974	254	2	w.	PERSON
hassl-3974	254	3	f., & harraf, a.	ORG
hassl-3974	254	4	2024	CARDINAL
hassl-3974	256	1	347	CARDINAL
hassl-3974	257	1	https://doi.org/10.1108/cr-112023-0297 arnett	PERSON
hassl-3974	257	2	d. b.	PERSON
hassl-3974	257	3	d. a.	PERSON
hassl-3974	257	4	2003	DATE
hassl-3974	259	1	79(3	CARDINAL
hassl-3974	259	2	161	CARDINAL
hassl-3974	260	1	atkinson	GPE
hassl-3974	260	2	a., & messy	ORG
hassl-3974	260	3	f.	PERSON
hassl-3974	260	4	2012	DATE
hassl-3974	261	1	oecd	ORG
hassl-3974	262	1	oecd	ORG
hassl-3974	262	2	15	CARDINAL
hassl-3974	262	3	oecd publishing	ORG
hassl-3974	262	4	paris	GPE
hassl-3974	263	1	https://doi.org/10.1787/5k9csfs90fr4-en bayar	PERSON
hassl-3974	263	2	h. f.	PERSON
hassl-3974	263	3	ö. f., & şaşmaz	ORG
hassl-3974	263	4	2017	CARDINAL
hassl-3974	265	1	6(6	CARDINAL
hassl-3974	265	2	1-19	CARDINAL
hassl-3974	265	3	1985	DATE
hassl-3974	267	1	12(1	CARDINAL
hassl-3974	267	2	116	CARDINAL
hassl-3974	268	1	w. w.	PERSON
hassl-3974	268	2	1998	DATE
hassl-3974	269	1	g. a. marcoulides	PERSON
hassl-3974	271	1	295 236	CARDINAL
hassl-3974	272	1	london	GPE
hassl-3974	272	2	lawrence erlbaum	PERSON
hassl-3974	273	1	fong	PERSON
hassl-3974	273	2	j. h.	PERSON
hassl-3974	273	3	koh	PERSON
hassl-3974	273	4	b. s.	PERSON
hassl-3974	273	5	mitchell	PERSON
hassl-3974	273	6	o. s.	PERSON
hassl-3974	273	7	s.	PERSON
hassl-3974	273	8	2021	CARDINAL
hassl-3974	274	1	older ages	DATE
hassl-3974	275	1	pacific-basin	LOC
hassl-3974	275	2	65	CARDINAL
hassl-3974	275	3	101481	DATE
hassl-3974	276	1	s.	PERSON
hassl-3974	276	2	a.	PERSON
hassl-3974	276	3	sumiati	GPE
hassl-3974	276	4	s., & djazuli	ORG
hassl-3974	276	5	a.	PERSON
hassl-3974	276	6	2022	CARDINAL
hassl-3974	277	1	indonesia	GPE
hassl-3974	278	1	international journal of financial studies	ORG
hassl-3974	278	2	10(3	CARDINAL
hassl-3974	278	3	66	CARDINAL
hassl-3974	279	1	p. s.	PERSON
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hassl-3974	280	1	jambi city	GPE
hassl-3974	281	1	jurnal manajemen terapan	ORG
hassl-3974	281	2	dan keuangan	PERSON
hassl-3974	281	3	147	CARDINAL
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hassl-3974	284	2	4(1	CARDINAL
hassl-3974	284	3	1-15	CARDINAL
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hassl-3974	286	1	south asia	LOC
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hassl-3974	287	1	51, 100846	DATE
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hassl-3974	288	2	j. m.	PERSON
hassl-3974	288	3	s. d.	PERSON
hassl-3974	288	4	2015	CARDINAL
hassl-3974	290	1	26(2	CARDINAL
hassl-3974	290	2	129	CARDINAL
hassl-3974	291	1	lusardi	PERSON
hassl-3974	291	2	a.	PERSON
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hassl-3974	293	1	swiss journal economics statistics	ORG
hassl-3974	293	2	155(1	CARDINAL
hassl-3974	293	3	1-8	DATE
hassl-3974	293	4	a., & mitchell	ORG
hassl-3974	293	5	o. s.	PERSON
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hassl-3974	294	1	the united states	GPE
hassl-3974	295	1	journal of pension economics & finance	ORG
hassl-3974	295	2	509-525	CARDINAL
hassl-3974	296	1	https://doi.org/10.3386/w17108 lyons	PERSON
hassl-3974	296	2	a.	PERSON
hassl-3974	296	3	kass-hanna	ORG
hassl-3974	296	4	j., & greenlee	ORG
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hassl-3974	297	1	south asia	LOC
hassl-3974	297	2	subsaharan africa	GPE
hassl-3974	298	1	ssrn 3684265	EVENT
hassl-3974	301	1	social sciences letters	ORG
hassl-3974	301	2	2025	DATE
hassl-3974	301	3	13(1	DATE
hassl-3974	301	4	45-55 55	PERCENT
hassl-3974	301	5	2025	CARDINAL
hassl-3974	303	1	lyons	PERSON
hassl-3974	303	2	a. c., & kass‐hanna	PERSON
hassl-3974	303	3	j.	PERSON
hassl-3974	303	4	2021	CARDINAL
hassl-3974	305	1	4(2	CARDINAL
hassl-3974	306	1	https://doi.org/10.1002/cfp2.1113	PERSON
hassl-3974	307	1	2021	CARDINAL
hassl-3974	308	1	2021	CARDINAL
hassl-3974	309	1	https://merchantmachine.co.uk/mostreliant-on-cash/ michael	PERSON
hassl-3974	309	2	e. h.	PERSON
hassl-3974	309	3	hill	GPE
hassl-3974	309	4	r. r.	PERSON
hassl-3974	309	5	2010	DATE
hassl-3974	311	1	journal of economics	ORG
hassl-3974	311	2	11(3	CARDINAL
hassl-3974	311	3	29	CARDINAL
hassl-3974	312	1	j., & trinh	ORG
hassl-3974	312	2	l. q.	PERSON
hassl-3974	312	3	2020	DATE
hassl-3974	313	1	fintech	ORG
hassl-3974	313	2	vietnam	GPE
hassl-3974	314	1	adbi	PERSON
hassl-3974	314	2	1154	CARDINAL
hassl-3974	315	1	https://www.adb.org/publications/fintech-and-financial-literacy-viet-nam	CARDINAL
hassl-3974	315	2	s. a.	PERSON
hassl-3974	315	3	t. m., & were	ORG
hassl-3974	315	4	2017	CARDINAL
hassl-3974	317	1	7(1	CARDINAL
hassl-3974	317	2	29	CARDINAL
hassl-3974	318	1	https://doi.org/10.1016/j.rdf.2017.01.001 peiris	GPE
hassl-3974	318	2	2021	CARDINAL
hassl-3974	320	1	european journal of business and management research	ORG
hassl-3974	320	2	6(5	CARDINAL
hassl-3974	320	3	94-99	CARDINAL
hassl-3974	321	1	prasad, h.	ORG
hassl-3974	321	2	d., & dayama	ORG
hassl-3974	321	3	2018	DATE
hassl-3974	322	1	udaipur.	ORG
hassl-3974	323	1	5	CARDINAL
hassl-3974	323	2	23	CARDINAL
hassl-3974	324	1	https://doi.org/10.3126/jbm.v5i0.27385 rahayu	PERSON
hassl-3974	324	2	r.	NORP
hassl-3974	324	3	ali	PERSON
hassl-3974	324	4	s.	GPE
hassl-3974	324	5	a., & hidayah	ORG
hassl-3974	324	6	r.	NORP
hassl-3974	324	7	2022	CARDINAL
hassl-3974	325	1	indonesian	NORP
hassl-3974	326	1	78-94	CARDINAL
hassl-3974	327	1	d. l.	PERSON
hassl-3974	327	2	2010	DATE
hassl-3974	329	1	276	CARDINAL
hassl-3974	330	1	sarah	PERSON
hassl-3974	330	2	d. a.	PERSON
hassl-3974	330	3	wilmarth	GPE
hassl-3974	330	4	m. j.	PERSON
hassl-3974	330	5	m. c.	PERSON
hassl-3974	330	6	k.	PERSON
hassl-3974	330	7	g. l.	PERSON
hassl-3974	330	8	m. (	PERSON
hassl-3974	330	9	2019	DATE
hassl-3974	332	1	53(2	CARDINAL
hassl-3974	332	2	488	CARDINAL
hassl-3974	333	1	https://doi.org/10.1111/joca.12199 setiawan	PERSON
hassl-3974	333	2	m.	PERSON
hassl-3974	333	3	t.,	GPE
hassl-3974	333	4	dewi	GPE
hassl-3974	333	5	i., & sapulette	ORG
hassl-3974	333	6	m. s.	PERSON
hassl-3974	333	7	2022	CARDINAL
hassl-3974	335	1	31(4	CARDINAL
hassl-3974	335	2	320	CARDINAL
hassl-3974	336	1	a. a.	PERSON
hassl-3974	336	2	m., & glavee-geo	ORG
hassl-3974	336	3	r.	NORP
hassl-3974	336	4	2022	CARDINAL
hassl-3974	338	1	international journal of bank	ORG
hassl-3974	338	2	41(1	CARDINAL
hassl-3974	338	3	1-33	DATE
hassl-3974	339	1	f., & johnson	ORG
hassl-3974	339	2	l. w.	PERSON
hassl-3974	339	3	1999	DATE
hassl-3974	341	1	1(1	CARDINAL
hassl-3974	341	2	1-15	CARDINAL
hassl-3974	341	3	social sciences letters	ORG
hassl-3974	343	1	https://doi.org/10.1002/cfp2.1113 https://merchantmachine.co.uk/most-reliant-on-cash/	PERSON
hassl-3974	344	1	https://doi.org/10.1016/j.rdf.2017.01.001	GPE