id	sid	tid	token	lemma	pos
hassl-3617	1	1	33	33	NUM
hassl-3617	1	2	©	©	PROPN
hassl-3617	1	3	2024	2024	NUM
hassl-3617	1	4	conscientia	conscientia	PROPN
hassl-3617	1	5	beam	beam	PROPN
hassl-3617	1	6	.	.	PUNCT
hassl-3617	2	1	all	all	DET
hassl-3617	2	2	rights	right	NOUN
hassl-3617	2	3	reserved	reserve	VERB
hassl-3617	2	4	.	.	PUNCT
hassl-3617	3	1	digital	digital	ADJ
hassl-3617	3	2	financial	financial	ADJ
hassl-3617	3	3	literacy	literacy	NOUN
hassl-3617	3	4	and	and	CCONJ
hassl-3617	3	5	digital	digital	ADJ
hassl-3617	3	6	financial	financial	ADJ
hassl-3617	3	7	inclusion	inclusion	NOUN
hassl-3617	3	8	:	:	PUNCT
hassl-3617	3	9	a	a	DET
hassl-3617	3	10	multigroup	multigroup	ADJ
hassl-3617	3	11	analysis	analysis	NOUN
hassl-3617	3	12	based	base	VERB
hassl-3617	3	13	on	on	ADP
hassl-3617	3	14	gender	gender	PROPN
hassl-3617	3	15	umi	umi	PROPN
hassl-3617	3	16	widyastuti1	widyastuti1	PROPN
hassl-3617	3	17	+	+	CCONJ
hassl-3617	3	18	dwi	dwi	PROPN
hassl-3617	3	19	kismayanti	kismayanti	X
hassl-3617	3	20	respati2	respati2	X
hassl-3617	3	21	titis	titis	ADJ
hassl-3617	3	22	fatarina	fatarina	NOUN
hassl-3617	3	23	mahfirah3	mahfirah3	NOUN
hassl-3617	3	24	1,2,3faculty	1,2,3faculty	NUM
hassl-3617	3	25	of	of	ADP
hassl-3617	3	26	economics	economic	NOUN
hassl-3617	3	27	,	,	PUNCT
hassl-3617	3	28	universitas	universita	NOUN
hassl-3617	3	29	negeri	negeri	PROPN
hassl-3617	3	30	jakarta	jakarta	PROPN
hassl-3617	3	31	,	,	PUNCT
hassl-3617	3	32	indonesia	indonesia	PROPN
hassl-3617	3	33	.	.	PUNCT
hassl-3617	4	1	1email	1email	NUM
hassl-3617	4	2	:	:	PUNCT
hassl-3617	4	3	umiwidyastuti_feunj@unj.ac.id	umiwidyastuti_feunj@unj.ac.id	NOUN
hassl-3617	4	4	2email	2email	NUM
hassl-3617	4	5	:	:	PUNCT
hassl-3617	4	6	dwikisrespati@unj.ac.id	dwikisrespati@unj.ac.id	NOUN
hassl-3617	4	7	3email	3email	NUM
hassl-3617	4	8	:	:	PUNCT
hassl-3617	4	9	titisfatarinamahfirah@unj.ac.id	titisfatarinamahfirah@unj.ac.id	NOUN
hassl-3617	4	10	(	(	PUNCT
hassl-3617	4	11	+	+	NUM
hassl-3617	4	12	corresponding	correspond	VERB
hassl-3617	4	13	author	author	NOUN
hassl-3617	4	14	)	)	PUNCT
hassl-3617	4	15	abstract	abstract	ADJ
hassl-3617	4	16	article	article	NOUN
hassl-3617	4	17	history	history	NOUN
hassl-3617	4	18	received	receive	VERB
hassl-3617	4	19	:	:	PUNCT
hassl-3617	4	20	7	7	NUM
hassl-3617	4	21	july	july	PROPN
hassl-3617	4	22	2023	2023	NUM
hassl-3617	4	23	revised	revise	VERB
hassl-3617	4	24	:	:	PUNCT
hassl-3617	4	25	13	13	NUM
hassl-3617	4	26	october	october	PROPN
hassl-3617	4	27	2023	2023	NUM
hassl-3617	4	28	accepted	accept	VERB
hassl-3617	4	29	:	:	PUNCT
hassl-3617	4	30	4	4	NUM
hassl-3617	4	31	january	january	NOUN
hassl-3617	4	32	2024	2024	NUM
hassl-3617	4	33	published	publish	VERB
hassl-3617	4	34	:	:	PUNCT
hassl-3617	4	35	25	25	NUM
hassl-3617	4	36	january	january	NOUN
hassl-3617	4	37	2024	2024	NUM
hassl-3617	4	38	keywords	keyword	NOUN
hassl-3617	4	39	digital	digital	ADJ
hassl-3617	4	40	financial	financial	ADJ
hassl-3617	4	41	inclusion	inclusion	NOUN
hassl-3617	4	42	digital	digital	ADJ
hassl-3617	4	43	financial	financial	ADJ
hassl-3617	4	44	literacy	literacy	NOUN
hassl-3617	4	45	entrepreneur	entrepreneur	NOUN
hassl-3617	4	46	gender	gender	NOUN
hassl-3617	4	47	differences	difference	NOUN
hassl-3617	4	48	inclusive	inclusive	ADJ
hassl-3617	4	49	financial	financial	ADJ
hassl-3617	4	50	system	system	NOUN
hassl-3617	4	51	multigroup	multigroup	PROPN
hassl-3617	4	52	assessment	assessment	NOUN
hassl-3617	4	53	.	.	PUNCT
hassl-3617	5	1	the	the	DET
hassl-3617	5	2	objective	objective	NOUN
hassl-3617	5	3	of	of	ADP
hassl-3617	5	4	this	this	DET
hassl-3617	5	5	research	research	NOUN
hassl-3617	5	6	is	be	AUX
hassl-3617	5	7	to	to	PART
hassl-3617	5	8	explore	explore	VERB
hassl-3617	5	9	the	the	DET
hassl-3617	5	10	relationship	relationship	NOUN
hassl-3617	5	11	between	between	ADP
hassl-3617	5	12	digital	digital	ADJ
hassl-3617	5	13	financial	financial	ADJ
hassl-3617	5	14	literacy	literacy	NOUN
hassl-3617	5	15	(	(	PUNCT
hassl-3617	5	16	dfl	dfl	PROPN
hassl-3617	5	17	)	)	PUNCT
hassl-3617	5	18	and	and	CCONJ
hassl-3617	5	19	digital	digital	ADJ
hassl-3617	5	20	financial	financial	ADJ
hassl-3617	5	21	inclusion	inclusion	NOUN
hassl-3617	5	22	(	(	PUNCT
hassl-3617	5	23	dfi	dfi	PROPN
hassl-3617	5	24	)	)	PUNCT
hassl-3617	5	25	while	while	SCONJ
hassl-3617	5	26	considering	consider	VERB
hassl-3617	5	27	gender	gender	NOUN
hassl-3617	5	28	differences	difference	NOUN
hassl-3617	5	29	.	.	PUNCT
hassl-3617	6	1	the	the	DET
hassl-3617	6	2	study	study	NOUN
hassl-3617	6	3	employed	employ	VERB
hassl-3617	6	4	convenience	convenience	NOUN
hassl-3617	6	5	sampling	sample	VERB
hassl-3617	6	6	and	and	CCONJ
hassl-3617	6	7	collected	collect	VERB
hassl-3617	6	8	primary	primary	ADJ
hassl-3617	6	9	data	datum	NOUN
hassl-3617	6	10	through	through	ADP
hassl-3617	6	11	a	a	DET
hassl-3617	6	12	questionnaire	questionnaire	NOUN
hassl-3617	6	13	.	.	PUNCT
hassl-3617	7	1	the	the	DET
hassl-3617	7	2	analysis	analysis	NOUN
hassl-3617	7	3	involved	involve	VERB
hassl-3617	7	4	a	a	DET
hassl-3617	7	5	multi	multi	ADJ
hassl-3617	7	6	-	-	ADJ
hassl-3617	7	7	group	group	ADJ
hassl-3617	7	8	assessment	assessment	NOUN
hassl-3617	7	9	to	to	PART
hassl-3617	7	10	examine	examine	VERB
hassl-3617	7	11	how	how	SCONJ
hassl-3617	7	12	dfl	dfl	PROPN
hassl-3617	7	13	influences	influence	VERB
hassl-3617	7	14	dfi	dfi	PROPN
hassl-3617	7	15	in	in	ADP
hassl-3617	7	16	distinct	distinct	ADJ
hassl-3617	7	17	gender	gender	NOUN
hassl-3617	7	18	categories	category	NOUN
hassl-3617	7	19	.	.	PUNCT
hassl-3617	8	1	the	the	DET
hassl-3617	8	2	results	result	NOUN
hassl-3617	8	3	reveal	reveal	VERB
hassl-3617	8	4	a	a	DET
hassl-3617	8	5	noteworthy	noteworthy	ADJ
hassl-3617	8	6	association	association	NOUN
hassl-3617	8	7	between	between	ADP
hassl-3617	8	8	dfl	dfl	PROPN
hassl-3617	8	9	and	and	CCONJ
hassl-3617	8	10	dfi	dfi	PROPN
hassl-3617	8	11	among	among	ADP
hassl-3617	8	12	both	both	DET
hassl-3617	8	13	females	female	NOUN
hassl-3617	8	14	and	and	CCONJ
hassl-3617	8	15	males	male	NOUN
hassl-3617	8	16	.	.	PUNCT
hassl-3617	9	1	interestingly	interestingly	ADV
hassl-3617	9	2	,	,	PUNCT
hassl-3617	9	3	the	the	DET
hassl-3617	9	4	impact	impact	NOUN
hassl-3617	9	5	of	of	ADP
hassl-3617	9	6	dfl	dfl	PROPN
hassl-3617	9	7	on	on	ADP
hassl-3617	9	8	dfi	dfi	PROPN
hassl-3617	9	9	appears	appear	VERB
hassl-3617	9	10	to	to	PART
hassl-3617	9	11	be	be	AUX
hassl-3617	9	12	more	more	ADV
hassl-3617	9	13	pronounced	pronounce	VERB
hassl-3617	9	14	within	within	ADP
hassl-3617	9	15	the	the	DET
hassl-3617	9	16	female	female	ADJ
hassl-3617	9	17	group	group	NOUN
hassl-3617	9	18	,	,	PUNCT
hassl-3617	9	19	suggesting	suggest	VERB
hassl-3617	9	20	that	that	SCONJ
hassl-3617	9	21	enhancing	enhance	VERB
hassl-3617	9	22	digital	digital	ADJ
hassl-3617	9	23	financial	financial	ADJ
hassl-3617	9	24	literacy	literacy	NOUN
hassl-3617	9	25	can	can	AUX
hassl-3617	9	26	be	be	AUX
hassl-3617	9	27	particularly	particularly	ADV
hassl-3617	9	28	beneficial	beneficial	ADJ
hassl-3617	9	29	for	for	ADP
hassl-3617	9	30	women	woman	NOUN
hassl-3617	9	31	's	's	PART
hassl-3617	9	32	financial	financial	ADJ
hassl-3617	9	33	inclusion	inclusion	NOUN
hassl-3617	9	34	.	.	PUNCT
hassl-3617	10	1	however	however	ADV
hassl-3617	10	2	,	,	PUNCT
hassl-3617	10	3	it	it	PRON
hassl-3617	10	4	is	be	AUX
hassl-3617	10	5	essential	essential	ADJ
hassl-3617	10	6	to	to	PART
hassl-3617	10	7	note	note	VERB
hassl-3617	10	8	that	that	SCONJ
hassl-3617	10	9	the	the	DET
hassl-3617	10	10	disparity	disparity	NOUN
hassl-3617	10	11	in	in	ADP
hassl-3617	10	12	the	the	DET
hassl-3617	10	13	effect	effect	NOUN
hassl-3617	10	14	of	of	ADP
hassl-3617	10	15	dfl	dfl	PROPN
hassl-3617	10	16	on	on	ADP
hassl-3617	10	17	dfi	dfi	PROPN
hassl-3617	10	18	between	between	ADP
hassl-3617	10	19	the	the	DET
hassl-3617	10	20	two	two	NUM
hassl-3617	10	21	gender	gender	NOUN
hassl-3617	10	22	groups	group	NOUN
hassl-3617	10	23	does	do	AUX
hassl-3617	10	24	not	not	PART
hassl-3617	10	25	reach	reach	VERB
hassl-3617	10	26	statistical	statistical	ADJ
hassl-3617	10	27	significance	significance	NOUN
hassl-3617	10	28	.	.	PUNCT
hassl-3617	11	1	this	this	DET
hassl-3617	11	2	finding	finding	NOUN
hassl-3617	11	3	underscores	underscore	VERB
hassl-3617	11	4	the	the	DET
hassl-3617	11	5	overall	overall	ADJ
hassl-3617	11	6	significance	significance	NOUN
hassl-3617	11	7	of	of	ADP
hassl-3617	11	8	dfl	dfl	PROPN
hassl-3617	11	9	in	in	ADP
hassl-3617	11	10	advancing	advance	VERB
hassl-3617	11	11	digital	digital	ADJ
hassl-3617	11	12	financial	financial	ADJ
hassl-3617	11	13	inclusion	inclusion	NOUN
hassl-3617	11	14	across	across	ADP
hassl-3617	11	15	all	all	DET
hassl-3617	11	16	genders	gender	NOUN
hassl-3617	11	17	.	.	PUNCT
hassl-3617	12	1	these	these	DET
hassl-3617	12	2	results	result	NOUN
hassl-3617	12	3	have	have	VERB
hassl-3617	12	4	substantial	substantial	ADJ
hassl-3617	12	5	implications	implication	NOUN
hassl-3617	12	6	for	for	ADP
hassl-3617	12	7	policymakers	policymaker	NOUN
hassl-3617	12	8	and	and	CCONJ
hassl-3617	12	9	financial	financial	ADJ
hassl-3617	12	10	institutions	institution	NOUN
hassl-3617	12	11	.	.	PUNCT
hassl-3617	13	1	the	the	DET
hassl-3617	13	2	study	study	NOUN
hassl-3617	13	3	underscores	underscore	VERB
hassl-3617	13	4	the	the	DET
hassl-3617	13	5	importance	importance	NOUN
hassl-3617	13	6	of	of	ADP
hassl-3617	13	7	promoting	promote	VERB
hassl-3617	13	8	digital	digital	ADJ
hassl-3617	13	9	financial	financial	ADJ
hassl-3617	13	10	literacy	literacy	NOUN
hassl-3617	13	11	to	to	PART
hassl-3617	13	12	improve	improve	VERB
hassl-3617	13	13	digital	digital	ADJ
hassl-3617	13	14	financial	financial	ADJ
hassl-3617	13	15	inclusion	inclusion	NOUN
hassl-3617	13	16	.	.	PUNCT
hassl-3617	14	1	while	while	SCONJ
hassl-3617	14	2	the	the	DET
hassl-3617	14	3	influence	influence	NOUN
hassl-3617	14	4	of	of	ADP
hassl-3617	14	5	dfl	dfl	PROPN
hassl-3617	14	6	seems	seem	VERB
hassl-3617	14	7	slightly	slightly	ADV
hassl-3617	14	8	stronger	strong	ADJ
hassl-3617	14	9	for	for	ADP
hassl-3617	14	10	females	female	NOUN
hassl-3617	14	11	,	,	PUNCT
hassl-3617	14	12	addressing	address	VERB
hassl-3617	14	13	digital	digital	ADJ
hassl-3617	14	14	financial	financial	ADJ
hassl-3617	14	15	literacy	literacy	NOUN
hassl-3617	14	16	comprehensively	comprehensively	ADV
hassl-3617	14	17	for	for	SCONJ
hassl-3617	14	18	all	all	DET
hassl-3617	14	19	genders	gender	NOUN
hassl-3617	14	20	remains	remain	VERB
hassl-3617	14	21	vital	vital	ADJ
hassl-3617	14	22	in	in	ADP
hassl-3617	14	23	the	the	DET
hassl-3617	14	24	pursuit	pursuit	NOUN
hassl-3617	14	25	of	of	ADP
hassl-3617	14	26	inclusive	inclusive	ADJ
hassl-3617	14	27	financial	financial	ADJ
hassl-3617	14	28	systems	system	NOUN
hassl-3617	14	29	.	.	PUNCT
hassl-3617	15	1	by	by	ADP
hassl-3617	15	2	expanding	expand	VERB
hassl-3617	15	3	digital	digital	ADJ
hassl-3617	15	4	financial	financial	ADJ
hassl-3617	15	5	literacy	literacy	NOUN
hassl-3617	15	6	initiatives	initiative	NOUN
hassl-3617	15	7	and	and	CCONJ
hassl-3617	15	8	making	make	VERB
hassl-3617	15	9	them	they	PRON
hassl-3617	15	10	accessible	accessible	ADJ
hassl-3617	15	11	to	to	ADP
hassl-3617	15	12	diverse	diverse	ADJ
hassl-3617	15	13	populations	population	NOUN
hassl-3617	15	14	,	,	PUNCT
hassl-3617	15	15	policymakers	policymaker	NOUN
hassl-3617	15	16	and	and	CCONJ
hassl-3617	15	17	financial	financial	ADJ
hassl-3617	15	18	institutions	institution	NOUN
hassl-3617	15	19	can	can	AUX
hassl-3617	15	20	contribute	contribute	VERB
hassl-3617	15	21	to	to	ADP
hassl-3617	15	22	more	more	ADV
hassl-3617	15	23	equitable	equitable	ADJ
hassl-3617	15	24	financial	financial	ADJ
hassl-3617	15	25	inclusion	inclusion	NOUN
hassl-3617	15	26	.	.	PUNCT
hassl-3617	16	1	this	this	DET
hassl-3617	16	2	research	research	NOUN
hassl-3617	16	3	highlights	highlight	VERB
hassl-3617	16	4	the	the	DET
hassl-3617	16	5	need	need	NOUN
hassl-3617	16	6	for	for	ADP
hassl-3617	16	7	genderinclusive	genderinclusive	ADJ
hassl-3617	16	8	strategies	strategy	NOUN
hassl-3617	16	9	and	and	CCONJ
hassl-3617	16	10	underscores	underscore	VERB
hassl-3617	16	11	that	that	SCONJ
hassl-3617	16	12	bolstering	bolster	VERB
hassl-3617	16	13	dfl	dfl	PROPN
hassl-3617	16	14	can	can	AUX
hassl-3617	16	15	be	be	AUX
hassl-3617	16	16	a	a	DET
hassl-3617	16	17	pivotal	pivotal	ADJ
hassl-3617	16	18	step	step	NOUN
hassl-3617	16	19	towards	towards	ADP
hassl-3617	16	20	achieving	achieve	VERB
hassl-3617	16	21	comprehensive	comprehensive	ADJ
hassl-3617	16	22	financial	financial	ADJ
hassl-3617	16	23	inclusion	inclusion	NOUN
hassl-3617	16	24	on	on	ADP
hassl-3617	16	25	a	a	DET
hassl-3617	16	26	broader	broad	ADJ
hassl-3617	16	27	scale	scale	NOUN
hassl-3617	16	28	.	.	PUNCT
hassl-3617	17	1	contribution	contribution	NOUN
hassl-3617	17	2	/	/	SYM
hassl-3617	17	3	originality	originality	NOUN
hassl-3617	17	4	:	:	PUNCT
hassl-3617	17	5	this	this	DET
hassl-3617	17	6	study	study	NOUN
hassl-3617	17	7	enhances	enhance	VERB
hassl-3617	17	8	the	the	DET
hassl-3617	17	9	knowledge	knowledge	NOUN
hassl-3617	17	10	gap	gap	NOUN
hassl-3617	17	11	by	by	ADP
hassl-3617	17	12	developing	develop	VERB
hassl-3617	17	13	an	an	DET
hassl-3617	17	14	empirical	empirical	ADJ
hassl-3617	17	15	model	model	NOUN
hassl-3617	17	16	that	that	PRON
hassl-3617	17	17	explains	explain	VERB
hassl-3617	17	18	the	the	DET
hassl-3617	17	19	nexus	nexus	NOUN
hassl-3617	17	20	of	of	ADP
hassl-3617	17	21	dfl	dfl	PROPN
hassl-3617	17	22	and	and	CCONJ
hassl-3617	17	23	dfi	dfi	PROPN
hassl-3617	17	24	and	and	CCONJ
hassl-3617	17	25	explores	explore	VERB
hassl-3617	17	26	further	far	ADV
hassl-3617	17	27	the	the	DET
hassl-3617	17	28	different	different	ADJ
hassl-3617	17	29	impacts	impact	NOUN
hassl-3617	17	30	between	between	ADP
hassl-3617	17	31	males	male	NOUN
hassl-3617	17	32	and	and	CCONJ
hassl-3617	17	33	females	female	NOUN
hassl-3617	17	34	.	.	PUNCT
hassl-3617	18	1	1	1	X
hassl-3617	18	2	.	.	X
hassl-3617	18	3	introduction	introduction	NOUN
hassl-3617	18	4	poverty	poverty	NOUN
hassl-3617	18	5	is	be	AUX
hassl-3617	18	6	a	a	DET
hassl-3617	18	7	prevalent	prevalent	ADJ
hassl-3617	18	8	issue	issue	NOUN
hassl-3617	18	9	in	in	ADP
hassl-3617	18	10	nearly	nearly	ADV
hassl-3617	18	11	every	every	PRON
hassl-3617	18	12	developing	develop	VERB
hassl-3617	18	13	country	country	NOUN
hassl-3617	18	14	,	,	PUNCT
hassl-3617	18	15	prompting	prompt	VERB
hassl-3617	18	16	governments	government	NOUN
hassl-3617	18	17	to	to	PART
hassl-3617	18	18	implement	implement	VERB
hassl-3617	18	19	policies	policy	NOUN
hassl-3617	18	20	and	and	CCONJ
hassl-3617	18	21	programs	program	NOUN
hassl-3617	18	22	aimed	aim	VERB
hassl-3617	18	23	at	at	ADP
hassl-3617	18	24	improving	improve	VERB
hassl-3617	18	25	social	social	ADJ
hassl-3617	18	26	welfare	welfare	NOUN
hassl-3617	18	27	and	and	CCONJ
hassl-3617	18	28	reducing	reduce	VERB
hassl-3617	18	29	poverty	poverty	NOUN
hassl-3617	18	30	rates	rate	NOUN
hassl-3617	18	31	.	.	PUNCT
hassl-3617	19	1	in	in	ADP
hassl-3617	19	2	line	line	NOUN
hassl-3617	19	3	with	with	ADP
hassl-3617	19	4	one	one	NUM
hassl-3617	19	5	of	of	ADP
hassl-3617	19	6	the	the	DET
hassl-3617	19	7	targets	target	NOUN
hassl-3617	19	8	outlined	outline	VERB
hassl-3617	19	9	in	in	ADP
hassl-3617	19	10	the	the	DET
hassl-3617	19	11	sustainable	sustainable	ADJ
hassl-3617	19	12	development	development	NOUN
hassl-3617	19	13	goals	goal	NOUN
hassl-3617	19	14	(	(	PUNCT
hassl-3617	19	15	sdgs	sdgs	ADJ
hassl-3617	19	16	)	)	PUNCT
hassl-3617	19	17	,	,	PUNCT
hassl-3617	19	18	the	the	DET
hassl-3617	19	19	government	government	NOUN
hassl-3617	19	20	of	of	ADP
hassl-3617	19	21	indonesia	indonesia	PROPN
hassl-3617	19	22	(	(	PUNCT
hassl-3617	19	23	goi	goi	PROPN
hassl-3617	19	24	)	)	PUNCT
hassl-3617	19	25	is	be	AUX
hassl-3617	19	26	actively	actively	ADV
hassl-3617	19	27	focusing	focus	VERB
hassl-3617	19	28	on	on	ADP
hassl-3617	19	29	financial	financial	ADJ
hassl-3617	19	30	inclusion	inclusion	NOUN
hassl-3617	19	31	as	as	ADP
hassl-3617	19	32	a	a	DET
hassl-3617	19	33	means	means	NOUN
hassl-3617	19	34	to	to	PART
hassl-3617	19	35	alleviate	alleviate	VERB
hassl-3617	19	36	poverty	poverty	NOUN
hassl-3617	19	37	.	.	PUNCT
hassl-3617	20	1	according	accord	VERB
hassl-3617	20	2	to	to	ADP
hassl-3617	20	3	demirgüç	demirgüç	PROPN
hassl-3617	20	4	-	-	PUNCT
hassl-3617	20	5	kunt	kunt	PROPN
hassl-3617	20	6	and	and	CCONJ
hassl-3617	20	7	singer	singer	NOUN
hassl-3617	20	8	(	(	PUNCT
hassl-3617	20	9	2017	2017	NUM
hassl-3617	20	10	)	)	PUNCT
hassl-3617	20	11	,	,	PUNCT
hassl-3617	20	12	financial	financial	ADJ
hassl-3617	20	13	inclusion	inclusion	NOUN
hassl-3617	20	14	plays	play	VERB
hassl-3617	20	15	a	a	DET
hassl-3617	20	16	crucial	crucial	ADJ
hassl-3617	20	17	role	role	NOUN
hassl-3617	20	18	in	in	ADP
hassl-3617	20	19	reducing	reduce	VERB
hassl-3617	20	20	poverty	poverty	NOUN
hassl-3617	20	21	rates	rate	NOUN
hassl-3617	20	22	and	and	CCONJ
hassl-3617	20	23	bridging	bridge	VERB
hassl-3617	20	24	economic	economic	ADJ
hassl-3617	20	25	disparities	disparity	NOUN
hassl-3617	20	26	by	by	ADP
hassl-3617	20	27	fostering	foster	VERB
hassl-3617	20	28	awareness	awareness	NOUN
hassl-3617	20	29	about	about	ADP
hassl-3617	20	30	the	the	DET
hassl-3617	20	31	significance	significance	NOUN
hassl-3617	20	32	of	of	ADP
hassl-3617	20	33	future	future	ADJ
hassl-3617	20	34	investments	investment	NOUN
hassl-3617	20	35	and	and	CCONJ
hassl-3617	20	36	effective	effective	ADJ
hassl-3617	20	37	financial	financial	ADJ
hassl-3617	20	38	risk	risk	NOUN
hassl-3617	20	39	management	management	NOUN
hassl-3617	20	40	.	.	PUNCT
hassl-3617	21	1	humanities	humanity	NOUN
hassl-3617	21	2	and	and	CCONJ
hassl-3617	21	3	social	social	ADJ
hassl-3617	21	4	sciences	science	NOUN
hassl-3617	21	5	letters	letter	NOUN
hassl-3617	21	6	2024	2024	NUM
hassl-3617	21	7	vol	vol	NOUN
hassl-3617	21	8	.	.	PROPN
hassl-3617	21	9	12	12	NUM
hassl-3617	21	10	,	,	PUNCT
hassl-3617	21	11	no	no	INTJ
hassl-3617	21	12	.	.	NOUN
hassl-3617	21	13	1	1	NUM
hassl-3617	21	14	,	,	PUNCT
hassl-3617	21	15	pp	pp	ADJ
hassl-3617	21	16	.	.	PUNCT
hassl-3617	22	1	33	33	NUM
hassl-3617	22	2	-	-	SYM
hassl-3617	22	3	42	42	NUM
hassl-3617	22	4	issn(e	issn(e	NOUN
hassl-3617	22	5	):	):	PUNCT
hassl-3617	22	6	2312	2312	NUM
hassl-3617	22	7	-	-	SYM
hassl-3617	22	8	4318	4318	NUM
hassl-3617	22	9	issn(p	issn(p	NUM
hassl-3617	22	10	):	):	PUNCT
hassl-3617	22	11	2312	2312	NUM
hassl-3617	22	12	-	-	SYM
hassl-3617	22	13	5659	5659	NUM
hassl-3617	22	14	doi	doi	NOUN
hassl-3617	22	15	:	:	PUNCT
hassl-3617	22	16	10.18488/73.v12i1.3617	10.18488/73.v12i1.3617	NUM
hassl-3617	22	17	©	©	PROPN
hassl-3617	22	18	2024	2024	NUM
hassl-3617	22	19	conscientia	conscientia	PROPN
hassl-3617	22	20	beam	beam	PROPN
hassl-3617	22	21	.	.	PUNCT
hassl-3617	23	1	all	all	DET
hassl-3617	23	2	rights	right	NOUN
hassl-3617	23	3	reserved	reserve	VERB
hassl-3617	23	4	.	.	PUNCT
hassl-3617	24	1	https://orcid.org/0000-0002-5871-3578	https://orcid.org/0000-0002-5871-3578	INTJ
hassl-3617	24	2	https://orcid.org/0000-0001-5374-6162	https://orcid.org/0000-0001-5374-6162	INTJ
hassl-3617	24	3	https://orcid.org/0000-0002-7019-2859	https://orcid.org/0000-0002-7019-2859	PROPN
hassl-3617	24	4	mailto:umiwidyastuti_feunj@unj.ac.id	mailto:umiwidyastuti_feunj@unj.ac.id	NOUN
hassl-3617	24	5	mailto:dwikisrespati@unj.ac.id	mailto:dwikisrespati@unj.ac.id	PROPN
hassl-3617	24	6	mailto:titisfatarinamahfirah@unj.ac.id	mailto:titisfatarinamahfirah@unj.ac.id	NOUN
hassl-3617	24	7	https://www.doi.org/10.18488/73.v12i1.3617	https://www.doi.org/10.18488/73.v12i1.3617	PROPN
hassl-3617	24	8	humanities	humanity	NOUN
hassl-3617	24	9	and	and	CCONJ
hassl-3617	24	10	social	social	ADJ
hassl-3617	24	11	sciences	science	NOUN
hassl-3617	24	12	letters	letter	NOUN
hassl-3617	24	13	,	,	PUNCT
hassl-3617	24	14	2024	2024	NUM
hassl-3617	24	15	,	,	PUNCT
hassl-3617	24	16	12(1	12(1	NUM
hassl-3617	24	17	):	):	PUNCT
hassl-3617	24	18	33	33	NUM
hassl-3617	24	19	-	-	SYM
hassl-3617	24	20	42	42	NUM
hassl-3617	24	21	34	34	NUM
hassl-3617	24	22	©	©	PROPN
hassl-3617	24	23	2024	2024	NUM
hassl-3617	24	24	conscientia	conscientia	PROPN
hassl-3617	24	25	beam	beam	PROPN
hassl-3617	24	26	.	.	PUNCT
hassl-3617	25	1	all	all	DET
hassl-3617	25	2	rights	right	NOUN
hassl-3617	25	3	reserved	reserve	VERB
hassl-3617	25	4	.	.	PUNCT
hassl-3617	26	1	previous	previous	ADJ
hassl-3617	26	2	studies	study	NOUN
hassl-3617	26	3	have	have	AUX
hassl-3617	26	4	looked	look	VERB
hassl-3617	26	5	at	at	ADP
hassl-3617	26	6	financial	financial	ADJ
hassl-3617	26	7	inclusion	inclusion	NOUN
hassl-3617	26	8	in	in	ADP
hassl-3617	26	9	a	a	DET
hassl-3617	26	10	number	number	NOUN
hassl-3617	26	11	of	of	ADP
hassl-3617	26	12	ways	way	NOUN
hassl-3617	26	13	,	,	PUNCT
hassl-3617	26	14	including	include	VERB
hassl-3617	26	15	how	how	SCONJ
hassl-3617	26	16	easy	easy	ADJ
hassl-3617	26	17	it	it	PRON
hassl-3617	26	18	is	be	AUX
hassl-3617	26	19	to	to	PART
hassl-3617	26	20	get	get	VERB
hassl-3617	26	21	financial	financial	ADJ
hassl-3617	26	22	services	service	NOUN
hassl-3617	26	23	(	(	PUNCT
hassl-3617	26	24	demirguc	demirguc	PROPN
hassl-3617	26	25	-	-	PUNCT
hassl-3617	26	26	kunt	kunt	PROPN
hassl-3617	26	27	,	,	PUNCT
hassl-3617	26	28	klapper	klapper	NOUN
hassl-3617	26	29	,	,	PUNCT
hassl-3617	26	30	singer	singer	NOUN
hassl-3617	26	31	,	,	PUNCT
hassl-3617	26	32	ansar	ansar	PROPN
hassl-3617	26	33	,	,	PUNCT
hassl-3617	26	34	&	&	CCONJ
hassl-3617	26	35	hess	hess	PROPN
hassl-3617	26	36	,	,	PUNCT
hassl-3617	26	37	2018	2018	NUM
hassl-3617	26	38	;	;	PUNCT
hassl-3617	26	39	gammage	gammage	NOUN
hassl-3617	26	40	et	et	NOUN
hassl-3617	26	41	al	al	PROPN
hassl-3617	26	42	.	.	PROPN
hassl-3617	26	43	,	,	PUNCT
hassl-3617	26	44	2017	2017	NUM
hassl-3617	26	45	;	;	PUNCT
hassl-3617	26	46	widyastuti	widyastuti	NOUN
hassl-3617	26	47	,	,	PUNCT
hassl-3617	26	48	sumiati	sumiati	NOUN
hassl-3617	26	49	,	,	PUNCT
hassl-3617	26	50	susanti	susanti	PROPN
hassl-3617	26	51	,	,	PUNCT
hassl-3617	26	52	&	&	CCONJ
hassl-3617	26	53	suherman	suherman	PROPN
hassl-3617	26	54	,	,	PUNCT
hassl-3617	26	55	2019	2019	NUM
hassl-3617	26	56	)	)	PUNCT
hassl-3617	26	57	,	,	PUNCT
hassl-3617	26	58	how	how	SCONJ
hassl-3617	26	59	people	people	NOUN
hassl-3617	26	60	actually	actually	ADV
hassl-3617	26	61	use	use	VERB
hassl-3617	26	62	those	those	DET
hassl-3617	26	63	services	service	NOUN
hassl-3617	26	64	(	(	PUNCT
hassl-3617	26	65	gammage	gammage	NOUN
hassl-3617	26	66	et	et	NOUN
hassl-3617	26	67	al	al	PROPN
hassl-3617	26	68	.	.	PROPN
hassl-3617	26	69	,	,	PUNCT
hassl-3617	26	70	2017	2017	NUM
hassl-3617	26	71	;	;	PUNCT
hassl-3617	26	72	widyastuti	widyastuti	PROPN
hassl-3617	26	73	et	et	PROPN
hassl-3617	26	74	al	al	PROPN
hassl-3617	26	75	.	.	PROPN
hassl-3617	26	76	,	,	PUNCT
hassl-3617	26	77	2019	2019	NUM
hassl-3617	26	78	)	)	PUNCT
hassl-3617	26	79	,	,	PUNCT
hassl-3617	26	80	and	and	CCONJ
hassl-3617	26	81	what	what	DET
hassl-3617	26	82	barriers	barrier	NOUN
hassl-3617	26	83	there	there	ADV
hassl-3617	26	84	are	be	VERB
hassl-3617	26	85	(	(	PUNCT
hassl-3617	26	86	widyastuti	widyastuti	PROPN
hassl-3617	26	87	et	et	PROPN
hassl-3617	26	88	al	al	PROPN
hassl-3617	26	89	.	.	PROPN
hassl-3617	26	90	,	,	PUNCT
hassl-3617	26	91	2019	2019	NUM
hassl-3617	26	92	)	)	PUNCT
hassl-3617	26	93	.	.	PUNCT
hassl-3617	27	1	one	one	NUM
hassl-3617	27	2	of	of	ADP
hassl-3617	27	3	the	the	DET
hassl-3617	27	4	indicators	indicator	NOUN
hassl-3617	27	5	that	that	PRON
hassl-3617	27	6	indicates	indicate	VERB
hassl-3617	27	7	accessibility	accessibility	NOUN
hassl-3617	27	8	is	be	AUX
hassl-3617	27	9	the	the	DET
hassl-3617	27	10	ownership	ownership	NOUN
hassl-3617	27	11	of	of	ADP
hassl-3617	27	12	bank	bank	NOUN
hassl-3617	27	13	accounts	account	NOUN
hassl-3617	27	14	.	.	PUNCT
hassl-3617	28	1	solo	solo	NOUN
hassl-3617	28	2	(	(	PUNCT
hassl-3617	28	3	2008	2008	NUM
hassl-3617	28	4	)	)	PUNCT
hassl-3617	28	5	explained	explain	VERB
hassl-3617	28	6	that	that	SCONJ
hassl-3617	28	7	individuals	individual	NOUN
hassl-3617	28	8	with	with	ADP
hassl-3617	28	9	lower	low	ADJ
hassl-3617	28	10	income	income	NOUN
hassl-3617	28	11	and	and	CCONJ
hassl-3617	28	12	education	education	NOUN
hassl-3617	28	13	levels	level	NOUN
hassl-3617	28	14	were	be	AUX
hassl-3617	28	15	often	often	ADV
hassl-3617	28	16	referred	refer	VERB
hassl-3617	28	17	to	to	ADP
hassl-3617	28	18	as	as	ADP
hassl-3617	28	19	"	"	PUNCT
hassl-3617	28	20	unbanked	unbanked	ADJ
hassl-3617	28	21	"	"	PUNCT
hassl-3617	28	22	since	since	SCONJ
hassl-3617	28	23	they	they	PRON
hassl-3617	28	24	did	do	AUX
hassl-3617	28	25	not	not	PART
hassl-3617	28	26	possess	possess	VERB
hassl-3617	28	27	any	any	DET
hassl-3617	28	28	bank	bank	NOUN
hassl-3617	28	29	accounts	account	NOUN
hassl-3617	28	30	.	.	PUNCT
hassl-3617	29	1	unbanked	unbanked	ADJ
hassl-3617	29	2	individuals	individual	NOUN
hassl-3617	29	3	predominantly	predominantly	ADV
hassl-3617	29	4	belonged	belong	VERB
hassl-3617	29	5	to	to	ADP
hassl-3617	29	6	the	the	DET
hassl-3617	29	7	lower	low	ADJ
hassl-3617	29	8	socioeconomic	socioeconomic	ADJ
hassl-3617	29	9	strata	strata	NOUN
hassl-3617	29	10	,	,	PUNCT
hassl-3617	29	11	including	include	VERB
hassl-3617	29	12	fishermen	fisherman	NOUN
hassl-3617	29	13	,	,	PUNCT
hassl-3617	29	14	farmers	farmer	NOUN
hassl-3617	29	15	,	,	PUNCT
hassl-3617	29	16	women	woman	NOUN
hassl-3617	29	17	,	,	PUNCT
hassl-3617	29	18	informal	informal	ADJ
hassl-3617	29	19	sector	sector	NOUN
hassl-3617	29	20	workers	worker	NOUN
hassl-3617	29	21	,	,	PUNCT
hassl-3617	29	22	and	and	CCONJ
hassl-3617	29	23	immigrants	immigrant	NOUN
hassl-3617	29	24	.	.	PUNCT
hassl-3617	30	1	essentially	essentially	ADV
hassl-3617	30	2	,	,	PUNCT
hassl-3617	30	3	financial	financial	ADJ
hassl-3617	30	4	inclusion	inclusion	NOUN
hassl-3617	30	5	is	be	AUX
hassl-3617	30	6	a	a	DET
hassl-3617	30	7	strategy	strategy	NOUN
hassl-3617	30	8	aimed	aim	VERB
hassl-3617	30	9	at	at	ADP
hassl-3617	30	10	enhancing	enhance	VERB
hassl-3617	30	11	access	access	NOUN
hassl-3617	30	12	to	to	ADP
hassl-3617	30	13	financial	financial	ADJ
hassl-3617	30	14	services	service	NOUN
hassl-3617	30	15	and	and	CCONJ
hassl-3617	30	16	products	product	NOUN
hassl-3617	30	17	,	,	PUNCT
hassl-3617	30	18	including	include	VERB
hassl-3617	30	19	saving	saving	NOUN
hassl-3617	30	20	,	,	PUNCT
hassl-3617	30	21	payments	payment	NOUN
hassl-3617	30	22	or	or	CCONJ
hassl-3617	30	23	fund	fund	NOUN
hassl-3617	30	24	transfers	transfer	NOUN
hassl-3617	30	25	,	,	PUNCT
hassl-3617	30	26	loans	loan	NOUN
hassl-3617	30	27	,	,	PUNCT
hassl-3617	30	28	insurance	insurance	NOUN
hassl-3617	30	29	,	,	PUNCT
hassl-3617	30	30	and	and	CCONJ
hassl-3617	30	31	investment	investment	NOUN
hassl-3617	30	32	,	,	PUNCT
hassl-3617	30	33	particularly	particularly	ADV
hassl-3617	30	34	for	for	ADP
hassl-3617	30	35	underserved	underserved	ADJ
hassl-3617	30	36	populations	population	NOUN
hassl-3617	30	37	such	such	ADJ
hassl-3617	30	38	as	as	ADP
hassl-3617	30	39	women	woman	NOUN
hassl-3617	30	40	and	and	CCONJ
hassl-3617	30	41	those	those	PRON
hassl-3617	30	42	at	at	ADP
hassl-3617	30	43	the	the	DET
hassl-3617	30	44	bottom	bottom	NOUN
hassl-3617	30	45	of	of	ADP
hassl-3617	30	46	the	the	DET
hassl-3617	30	47	socioeconomic	socioeconomic	ADJ
hassl-3617	30	48	pyramid	pyramid	NOUN
hassl-3617	30	49	.	.	PUNCT
hassl-3617	31	1	in	in	ADP
hassl-3617	31	2	the	the	DET
hassl-3617	31	3	digital	digital	ADJ
hassl-3617	31	4	age	age	NOUN
hassl-3617	31	5	,	,	PUNCT
hassl-3617	31	6	traditional	traditional	ADJ
hassl-3617	31	7	financial	financial	ADJ
hassl-3617	31	8	inclusion	inclusion	NOUN
hassl-3617	31	9	has	have	AUX
hassl-3617	31	10	evolved	evolve	VERB
hassl-3617	31	11	into	into	ADP
hassl-3617	31	12	digital	digital	ADJ
hassl-3617	31	13	financial	financial	ADJ
hassl-3617	31	14	inclusion	inclusion	NOUN
hassl-3617	31	15	,	,	PUNCT
hassl-3617	31	16	and	and	CCONJ
hassl-3617	31	17	its	its	PRON
hassl-3617	31	18	impact	impact	NOUN
hassl-3617	31	19	on	on	ADP
hassl-3617	31	20	promoting	promote	VERB
hassl-3617	31	21	financial	financial	ADJ
hassl-3617	31	22	inclusivity	inclusivity	NOUN
hassl-3617	31	23	has	have	AUX
hassl-3617	31	24	been	be	AUX
hassl-3617	31	25	demonstrated	demonstrate	VERB
hassl-3617	31	26	in	in	ADP
hassl-3617	31	27	countries	country	NOUN
hassl-3617	31	28	like	like	ADP
hassl-3617	31	29	kenya	kenya	PROPN
hassl-3617	31	30	and	and	CCONJ
hassl-3617	31	31	india	india	PROPN
hassl-3617	31	32	(	(	PUNCT
hassl-3617	31	33	karlan	karlan	PROPN
hassl-3617	31	34	et	et	PROPN
hassl-3617	31	35	al	al	PROPN
hassl-3617	31	36	.	.	PROPN
hassl-3617	31	37	,	,	PUNCT
hassl-3617	31	38	2016	2016	NUM
hassl-3617	31	39	)	)	PUNCT
hassl-3617	31	40	.	.	PUNCT
hassl-3617	32	1	the	the	DET
hassl-3617	32	2	topic	topic	NOUN
hassl-3617	32	3	of	of	ADP
hassl-3617	32	4	digital	digital	ADJ
hassl-3617	32	5	financial	financial	ADJ
hassl-3617	32	6	inclusion	inclusion	NOUN
hassl-3617	32	7	has	have	AUX
hassl-3617	32	8	emerged	emerge	VERB
hassl-3617	32	9	alongside	alongside	ADP
hassl-3617	32	10	the	the	DET
hassl-3617	32	11	technological	technological	ADJ
hassl-3617	32	12	era	era	NOUN
hassl-3617	32	13	and	and	CCONJ
hassl-3617	32	14	the	the	DET
hassl-3617	32	15	digitization	digitization	NOUN
hassl-3617	32	16	of	of	ADP
hassl-3617	32	17	businesses	business	NOUN
hassl-3617	32	18	.	.	PUNCT
hassl-3617	33	1	the	the	DET
hassl-3617	33	2	covid-19	covid-19	PROPN
hassl-3617	33	3	pandemic	pandemic	NOUN
hassl-3617	33	4	has	have	AUX
hassl-3617	33	5	accelerated	accelerate	VERB
hassl-3617	33	6	the	the	DET
hassl-3617	33	7	need	need	NOUN
hassl-3617	33	8	to	to	PART
hassl-3617	33	9	transition	transition	VERB
hassl-3617	33	10	from	from	ADP
hassl-3617	33	11	traditional	traditional	ADJ
hassl-3617	33	12	financial	financial	ADJ
hassl-3617	33	13	inclusion	inclusion	NOUN
hassl-3617	33	14	to	to	ADP
hassl-3617	33	15	the	the	DET
hassl-3617	33	16	adoption	adoption	NOUN
hassl-3617	33	17	of	of	ADP
hassl-3617	33	18	digital	digital	ADJ
hassl-3617	33	19	financial	financial	ADJ
hassl-3617	33	20	inclusion	inclusion	NOUN
hassl-3617	33	21	at	at	ADP
hassl-3617	33	22	a	a	DET
hassl-3617	33	23	faster	fast	ADJ
hassl-3617	33	24	pace	pace	NOUN
hassl-3617	33	25	than	than	SCONJ
hassl-3617	33	26	initially	initially	ADV
hassl-3617	33	27	anticipated	anticipate	VERB
hassl-3617	33	28	(	(	PUNCT
hassl-3617	33	29	tay	tay	NOUN
hassl-3617	33	30	,	,	PUNCT
hassl-3617	33	31	tai	tai	PROPN
hassl-3617	33	32	,	,	PUNCT
hassl-3617	33	33	&	&	CCONJ
hassl-3617	33	34	tan	tan	PROPN
hassl-3617	33	35	,	,	PUNCT
hassl-3617	33	36	2022	2022	NUM
hassl-3617	33	37	)	)	PUNCT
hassl-3617	33	38	.	.	PUNCT
hassl-3617	34	1	as	as	ADP
hassl-3617	34	2	per	per	ADP
hassl-3617	34	3	government	government	NOUN
hassl-3617	34	4	recommendations	recommendation	NOUN
hassl-3617	34	5	,	,	PUNCT
hassl-3617	34	6	people	people	NOUN
hassl-3617	34	7	can	can	AUX
hassl-3617	34	8	make	make	VERB
hassl-3617	34	9	financial	financial	ADJ
hassl-3617	34	10	transactions	transaction	NOUN
hassl-3617	34	11	while	while	SCONJ
hassl-3617	34	12	staying	stay	VERB
hassl-3617	34	13	at	at	ADP
hassl-3617	34	14	home	home	NOUN
hassl-3617	34	15	.	.	PUNCT
hassl-3617	35	1	with	with	ADP
hassl-3617	35	2	the	the	DET
hassl-3617	35	3	advancements	advancement	NOUN
hassl-3617	35	4	in	in	ADP
hassl-3617	35	5	technology	technology	NOUN
hassl-3617	35	6	,	,	PUNCT
hassl-3617	35	7	the	the	DET
hassl-3617	35	8	accessibility	accessibility	NOUN
hassl-3617	35	9	of	of	ADP
hassl-3617	35	10	financial	financial	ADJ
hassl-3617	35	11	services	service	NOUN
hassl-3617	35	12	has	have	AUX
hassl-3617	35	13	shifted	shift	VERB
hassl-3617	35	14	towards	towards	ADP
hassl-3617	35	15	digitalization	digitalization	NOUN
hassl-3617	35	16	by	by	ADP
hassl-3617	35	17	leveraging	leverage	VERB
hassl-3617	35	18	technology	technology	NOUN
hassl-3617	35	19	.	.	PUNCT
hassl-3617	36	1	nowadays	nowadays	ADV
hassl-3617	36	2	,	,	PUNCT
hassl-3617	36	3	the	the	DET
hassl-3617	36	4	emergence	emergence	NOUN
hassl-3617	36	5	of	of	ADP
hassl-3617	36	6	digital	digital	ADJ
hassl-3617	36	7	financial	financial	ADJ
hassl-3617	36	8	services	service	NOUN
hassl-3617	36	9	has	have	AUX
hassl-3617	36	10	encouraged	encourage	VERB
hassl-3617	36	11	people	people	NOUN
hassl-3617	36	12	to	to	PART
hassl-3617	36	13	adopt	adopt	VERB
hassl-3617	36	14	various	various	ADJ
hassl-3617	36	15	digital	digital	ADJ
hassl-3617	36	16	platforms	platform	NOUN
hassl-3617	36	17	to	to	PART
hassl-3617	36	18	meet	meet	VERB
hassl-3617	36	19	their	their	PRON
hassl-3617	36	20	financial	financial	ADJ
hassl-3617	36	21	needs	need	NOUN
hassl-3617	36	22	.	.	PUNCT
hassl-3617	37	1	this	this	DET
hassl-3617	37	2	development	development	NOUN
hassl-3617	37	3	has	have	AUX
hassl-3617	37	4	prompted	prompt	VERB
hassl-3617	37	5	financial	financial	ADJ
hassl-3617	37	6	institutions	institution	NOUN
hassl-3617	37	7	to	to	PART
hassl-3617	37	8	enhance	enhance	VERB
hassl-3617	37	9	their	their	PRON
hassl-3617	37	10	services	service	NOUN
hassl-3617	37	11	by	by	ADP
hassl-3617	37	12	offering	offer	VERB
hassl-3617	37	13	digital	digital	ADJ
hassl-3617	37	14	financial	financial	ADJ
hassl-3617	37	15	inclusion	inclusion	NOUN
hassl-3617	37	16	.	.	PUNCT
hassl-3617	38	1	this	this	PRON
hassl-3617	38	2	enables	enable	VERB
hassl-3617	38	3	a	a	DET
hassl-3617	38	4	more	more	ADV
hassl-3617	38	5	accessible	accessible	ADJ
hassl-3617	38	6	financial	financial	ADJ
hassl-3617	38	7	system	system	NOUN
hassl-3617	38	8	that	that	PRON
hassl-3617	38	9	supports	support	VERB
hassl-3617	38	10	digital	digital	ADJ
hassl-3617	38	11	transactions	transaction	NOUN
hassl-3617	38	12	,	,	PUNCT
hassl-3617	38	13	including	include	VERB
hassl-3617	38	14	digital	digital	ADJ
hassl-3617	38	15	payments	payment	NOUN
hassl-3617	38	16	,	,	PUNCT
hassl-3617	38	17	investment	investment	NOUN
hassl-3617	38	18	platforms	platform	NOUN
hassl-3617	38	19	,	,	PUNCT
hassl-3617	38	20	and	and	CCONJ
hassl-3617	38	21	internet	internet	NOUN
hassl-3617	38	22	-	-	PUNCT
hassl-3617	38	23	based	base	VERB
hassl-3617	38	24	money	money	NOUN
hassl-3617	38	25	transfer	transfer	NOUN
hassl-3617	38	26	systems	system	NOUN
hassl-3617	38	27	,	,	PUNCT
hassl-3617	38	28	utilizing	utilize	VERB
hassl-3617	38	29	mobile	mobile	ADJ
hassl-3617	38	30	phones	phone	NOUN
hassl-3617	38	31	as	as	ADP
hassl-3617	38	32	tools	tool	NOUN
hassl-3617	38	33	in	in	ADP
hassl-3617	38	34	financial	financial	ADJ
hassl-3617	38	35	technology	technology	NOUN
hassl-3617	38	36	.	.	PUNCT
hassl-3617	39	1	the	the	DET
hassl-3617	39	2	adoption	adoption	NOUN
hassl-3617	39	3	and	and	CCONJ
hassl-3617	39	4	utilization	utilization	NOUN
hassl-3617	39	5	of	of	ADP
hassl-3617	39	6	digital	digital	ADJ
hassl-3617	39	7	financial	financial	ADJ
hassl-3617	39	8	services	service	NOUN
hassl-3617	39	9	have	have	VERB
hassl-3617	39	10	the	the	DET
hassl-3617	39	11	potential	potential	NOUN
hassl-3617	39	12	to	to	PART
hassl-3617	39	13	significantly	significantly	ADV
hassl-3617	39	14	influence	influence	VERB
hassl-3617	39	15	and	and	CCONJ
hassl-3617	39	16	contribute	contribute	VERB
hassl-3617	39	17	to	to	ADP
hassl-3617	39	18	a	a	DET
hassl-3617	39	19	nation	nation	NOUN
hassl-3617	39	20	's	's	PART
hassl-3617	39	21	economic	economic	ADJ
hassl-3617	39	22	growth	growth	NOUN
hassl-3617	39	23	through	through	ADP
hassl-3617	39	24	daily	daily	ADJ
hassl-3617	39	25	financial	financial	ADJ
hassl-3617	39	26	transactions	transaction	NOUN
hassl-3617	39	27	.	.	PUNCT
hassl-3617	40	1	numerous	numerous	ADJ
hassl-3617	40	2	studies	study	NOUN
hassl-3617	40	3	on	on	ADP
hassl-3617	40	4	dfi	dfi	PROPN
hassl-3617	40	5	have	have	AUX
hassl-3617	40	6	been	be	AUX
hassl-3617	40	7	conducted	conduct	VERB
hassl-3617	40	8	in	in	ADP
hassl-3617	40	9	several	several	ADJ
hassl-3617	40	10	countries	country	NOUN
hassl-3617	40	11	,	,	PUNCT
hassl-3617	40	12	such	such	ADJ
hassl-3617	40	13	as	as	ADP
hassl-3617	40	14	ukraine	ukraine	NOUN
hassl-3617	40	15	(	(	PUNCT
hassl-3617	40	16	naumenkova	naumenkova	PROPN
hassl-3617	40	17	,	,	PUNCT
hassl-3617	40	18	mishchenko	mishchenko	NOUN
hassl-3617	40	19	,	,	PUNCT
hassl-3617	40	20	&	&	CCONJ
hassl-3617	40	21	dorofeiev	dorofeiev	PROPN
hassl-3617	40	22	,	,	PUNCT
hassl-3617	40	23	2019	2019	NUM
hassl-3617	40	24	)	)	PUNCT
hassl-3617	40	25	,	,	PUNCT
hassl-3617	40	26	nigeria	nigeria	PROPN
hassl-3617	40	27	(	(	PUNCT
hassl-3617	40	28	david	david	PROPN
hassl-3617	40	29	-	-	PUNCT
hassl-3617	40	30	west	west	PROPN
hassl-3617	40	31	,	,	PUNCT
hassl-3617	40	32	2016	2016	NUM
hassl-3617	40	33	)	)	PUNCT
hassl-3617	40	34	,	,	PUNCT
hassl-3617	40	35	china	china	PROPN
hassl-3617	40	36	(	(	PUNCT
hassl-3617	40	37	lai	lai	PROPN
hassl-3617	40	38	,	,	PUNCT
hassl-3617	40	39	yan	yan	PROPN
hassl-3617	40	40	,	,	PUNCT
hassl-3617	40	41	yi	yi	PROPN
hassl-3617	40	42	,	,	PUNCT
hassl-3617	40	43	&	&	CCONJ
hassl-3617	40	44	zhang	zhang	PROPN
hassl-3617	40	45	,	,	PUNCT
hassl-3617	40	46	2020	2020	NUM
hassl-3617	40	47	;	;	PUNCT
hassl-3617	40	48	wang	wang	PROPN
hassl-3617	40	49	&	&	CCONJ
hassl-3617	40	50	he	he	PRON
hassl-3617	40	51	,	,	PUNCT
hassl-3617	40	52	2020	2020	NUM
hassl-3617	40	53	;	;	PUNCT
hassl-3617	40	54	yang	yang	PROPN
hassl-3617	40	55	&	&	CCONJ
hassl-3617	40	56	zhang	zhang	PROPN
hassl-3617	40	57	,	,	PUNCT
hassl-3617	40	58	2020	2020	NUM
hassl-3617	40	59	)	)	PUNCT
hassl-3617	40	60	,	,	PUNCT
hassl-3617	40	61	bahrain	bahrain	NOUN
hassl-3617	40	62	(	(	PUNCT
hassl-3617	40	63	sadayan	sadayan	PROPN
hassl-3617	40	64	&	&	CCONJ
hassl-3617	40	65	rao	rao	PROPN
hassl-3617	40	66	,	,	PUNCT
hassl-3617	40	67	2017	2017	NUM
hassl-3617	40	68	)	)	PUNCT
hassl-3617	40	69	,	,	PUNCT
hassl-3617	40	70	bangladesh	bangladesh	PROPN
hassl-3617	40	71	(	(	PUNCT
hassl-3617	40	72	aziz	aziz	PROPN
hassl-3617	40	73	&	&	CCONJ
hassl-3617	40	74	naima	naima	PROPN
hassl-3617	40	75	,	,	PUNCT
hassl-3617	40	76	2021	2021	NUM
hassl-3617	40	77	)	)	PUNCT
hassl-3617	40	78	,	,	PUNCT
hassl-3617	40	79	african	african	PROPN
hassl-3617	40	80	(	(	PUNCT
hassl-3617	40	81	kelikume	kelikume	VERB
hassl-3617	40	82	,	,	PUNCT
hassl-3617	40	83	2021	2021	NUM
hassl-3617	40	84	)	)	PUNCT
hassl-3617	40	85	,	,	PUNCT
hassl-3617	40	86	and	and	CCONJ
hassl-3617	40	87	southeast	southeast	ADJ
hassl-3617	40	88	asian	asian	NOUN
hassl-3617	40	89	(	(	PUNCT
hassl-3617	40	90	koh	koh	PROPN
hassl-3617	40	91	,	,	PUNCT
hassl-3617	40	92	phoon	phoon	PROPN
hassl-3617	40	93	,	,	PUNCT
hassl-3617	40	94	&	&	CCONJ
hassl-3617	40	95	ha	ha	INTJ
hassl-3617	40	96	,	,	PUNCT
hassl-3617	40	97	2018	2018	NUM
hassl-3617	40	98	)	)	PUNCT
hassl-3617	40	99	by	by	ADP
hassl-3617	40	100	observing	observe	VERB
hassl-3617	40	101	several	several	ADJ
hassl-3617	40	102	countries	country	NOUN
hassl-3617	40	103	including	include	VERB
hassl-3617	40	104	myanmar	myanmar	PROPN
hassl-3617	40	105	,	,	PUNCT
hassl-3617	40	106	thailand	thailand	PROPN
hassl-3617	40	107	,	,	PUNCT
hassl-3617	40	108	singapore	singapore	PROPN
hassl-3617	40	109	,	,	PUNCT
hassl-3617	40	110	malaysia	malaysia	PROPN
hassl-3617	40	111	,	,	PUNCT
hassl-3617	40	112	and	and	CCONJ
hassl-3617	40	113	indonesia	indonesia	PROPN
hassl-3617	40	114	.	.	PUNCT
hassl-3617	41	1	researchers	researcher	NOUN
hassl-3617	41	2	have	have	AUX
hassl-3617	41	3	looked	look	VERB
hassl-3617	41	4	at	at	ADP
hassl-3617	41	5	dfi	dfi	PROPN
hassl-3617	41	6	in	in	ADP
hassl-3617	41	7	a	a	DET
hassl-3617	41	8	number	number	NOUN
hassl-3617	41	9	of	of	ADP
hassl-3617	41	10	different	different	ADJ
hassl-3617	41	11	groups	group	NOUN
hassl-3617	41	12	,	,	PUNCT
hassl-3617	41	13	such	such	ADJ
hassl-3617	41	14	as	as	ADP
hassl-3617	41	15	adults	adult	NOUN
hassl-3617	41	16	(	(	PUNCT
hassl-3617	41	17	koh	koh	PROPN
hassl-3617	41	18	et	et	PROPN
hassl-3617	41	19	al	al	PROPN
hassl-3617	41	20	.	.	PROPN
hassl-3617	41	21	,	,	PUNCT
hassl-3617	41	22	2018	2018	NUM
hassl-3617	41	23	)	)	PUNCT
hassl-3617	41	24	,	,	PUNCT
hassl-3617	41	25	households	household	NOUN
hassl-3617	41	26	(	(	PUNCT
hassl-3617	41	27	lai	lai	PROPN
hassl-3617	41	28	et	et	PROPN
hassl-3617	41	29	al	al	PROPN
hassl-3617	41	30	.	.	PROPN
hassl-3617	41	31	,	,	PUNCT
hassl-3617	41	32	2020	2020	NUM
hassl-3617	41	33	)	)	PUNCT
hassl-3617	41	34	,	,	PUNCT
hassl-3617	41	35	and	and	CCONJ
hassl-3617	41	36	farmers	farmer	NOUN
hassl-3617	41	37	(	(	PUNCT
hassl-3617	41	38	wang	wang	PROPN
hassl-3617	41	39	&	&	CCONJ
hassl-3617	41	40	he	he	PRON
hassl-3617	41	41	,	,	PUNCT
hassl-3617	41	42	2020	2020	NUM
hassl-3617	41	43	)	)	PUNCT
hassl-3617	41	44	.	.	PUNCT
hassl-3617	42	1	they	they	PRON
hassl-3617	42	2	have	have	AUX
hassl-3617	42	3	also	also	ADV
hassl-3617	42	4	compared	compare	VERB
hassl-3617	42	5	the	the	DET
hassl-3617	42	6	levels	level	NOUN
hassl-3617	42	7	of	of	ADP
hassl-3617	42	8	dfi	dfi	PROPN
hassl-3617	42	9	between	between	ADP
hassl-3617	42	10	men	man	NOUN
hassl-3617	42	11	and	and	CCONJ
hassl-3617	42	12	women	woman	NOUN
hassl-3617	42	13	(	(	PUNCT
hassl-3617	42	14	gammage	gammage	NOUN
hassl-3617	42	15	et	et	NOUN
hassl-3617	42	16	al	al	PROPN
hassl-3617	42	17	.	.	PROPN
hassl-3617	42	18	,	,	PUNCT
hassl-3617	42	19	2017	2017	NUM
hassl-3617	42	20	)	)	PUNCT
hassl-3617	42	21	.	.	PUNCT
hassl-3617	43	1	a	a	DET
hassl-3617	43	2	systematic	systematic	ADJ
hassl-3617	43	3	literature	literature	NOUN
hassl-3617	43	4	review	review	NOUN
hassl-3617	43	5	has	have	AUX
hassl-3617	43	6	been	be	AUX
hassl-3617	43	7	conducted	conduct	VERB
hassl-3617	43	8	by	by	ADP
hassl-3617	43	9	ranabhat	ranabhat	PROPN
hassl-3617	43	10	,	,	PUNCT
hassl-3617	43	11	verma	verma	PROPN
hassl-3617	43	12	,	,	PUNCT
hassl-3617	43	13	kumar	kumar	PROPN
hassl-3617	43	14	,	,	PUNCT
hassl-3617	43	15	and	and	CCONJ
hassl-3617	43	16	siringoringo	siringoringo	NOUN
hassl-3617	43	17	(	(	PUNCT
hassl-3617	43	18	2022	2022	NUM
hassl-3617	43	19	)	)	PUNCT
hassl-3617	43	20	based	base	VERB
hassl-3617	43	21	on	on	ADP
hassl-3617	43	22	93	93	NUM
hassl-3617	43	23	papers	paper	NOUN
hassl-3617	43	24	,	,	PUNCT
hassl-3617	43	25	referring	refer	VERB
hassl-3617	43	26	to	to	ADP
hassl-3617	43	27	the	the	DET
hassl-3617	43	28	scopus	scopus	PROPN
hassl-3617	43	29	database	database	NOUN
hassl-3617	43	30	,	,	PUNCT
hassl-3617	43	31	which	which	PRON
hassl-3617	43	32	was	be	AUX
hassl-3617	43	33	published	publish	VERB
hassl-3617	43	34	in	in	ADP
hassl-3617	43	35	the	the	DET
hassl-3617	43	36	period	period	NOUN
hassl-3617	43	37	2015	2015	NUM
hassl-3617	43	38	–	–	PUNCT
hassl-3617	43	39	2020	2020	NUM
hassl-3617	43	40	and	and	CCONJ
hassl-3617	43	41	explored	explore	VERB
hassl-3617	43	42	the	the	DET
hassl-3617	43	43	antecedents	antecedent	NOUN
hassl-3617	43	44	of	of	ADP
hassl-3617	43	45	digital	digital	ADJ
hassl-3617	43	46	financial	financial	ADJ
hassl-3617	43	47	inclusion	inclusion	NOUN
hassl-3617	43	48	in	in	ADP
hassl-3617	43	49	developing	develop	VERB
hassl-3617	43	50	countries	country	NOUN
hassl-3617	43	51	.	.	PUNCT
hassl-3617	44	1	they	they	PRON
hassl-3617	44	2	found	find	VERB
hassl-3617	44	3	that	that	SCONJ
hassl-3617	44	4	the	the	DET
hassl-3617	44	5	variables	variable	NOUN
hassl-3617	44	6	that	that	PRON
hassl-3617	44	7	were	be	AUX
hassl-3617	44	8	frequently	frequently	ADV
hassl-3617	44	9	applied	apply	VERB
hassl-3617	44	10	to	to	PART
hassl-3617	44	11	answer	answer	VERB
hassl-3617	44	12	the	the	DET
hassl-3617	44	13	determinant	determinant	NOUN
hassl-3617	44	14	of	of	ADP
hassl-3617	44	15	dfi	dfi	PROPN
hassl-3617	44	16	were	be	AUX
hassl-3617	44	17	perceived	perceive	VERB
hassl-3617	44	18	ease	ease	NOUN
hassl-3617	44	19	of	of	ADP
hassl-3617	44	20	use	use	NOUN
hassl-3617	44	21	and	and	CCONJ
hassl-3617	44	22	perceived	perceive	VERB
hassl-3617	44	23	usefulness	usefulness	NOUN
hassl-3617	44	24	.	.	PUNCT
hassl-3617	45	1	the	the	DET
hassl-3617	45	2	systematic	systematic	ADJ
hassl-3617	45	3	literature	literature	PROPN
hassl-3617	45	4	review	review	NOUN
hassl-3617	45	5	conducted	conduct	VERB
hassl-3617	45	6	by	by	ADP
hassl-3617	45	7	tay	tay	PROPN
hassl-3617	45	8	et	et	PROPN
hassl-3617	45	9	al	al	PROPN
hassl-3617	45	10	.	.	PROPN
hassl-3617	46	1	(	(	PUNCT
hassl-3617	46	2	2022	2022	NUM
hassl-3617	46	3	)	)	PUNCT
hassl-3617	46	4	investigates	investigate	VERB
hassl-3617	46	5	the	the	DET
hassl-3617	46	6	state	state	NOUN
hassl-3617	46	7	of	of	ADP
hassl-3617	46	8	global	global	ADJ
hassl-3617	46	9	digital	digital	ADJ
hassl-3617	46	10	financial	financial	ADJ
hassl-3617	46	11	inclusion	inclusion	NOUN
hassl-3617	46	12	.	.	PUNCT
hassl-3617	47	1	it	it	PRON
hassl-3617	47	2	reveals	reveal	VERB
hassl-3617	47	3	that	that	SCONJ
hassl-3617	47	4	developing	develop	VERB
hassl-3617	47	5	countries	country	NOUN
hassl-3617	47	6	,	,	PUNCT
hassl-3617	47	7	especially	especially	ADV
hassl-3617	47	8	in	in	ADP
hassl-3617	47	9	asia	asia	PROPN
hassl-3617	47	10	,	,	PUNCT
hassl-3617	47	11	have	have	AUX
hassl-3617	47	12	made	make	VERB
hassl-3617	47	13	progress	progress	NOUN
hassl-3617	47	14	in	in	ADP
hassl-3617	47	15	using	use	VERB
hassl-3617	47	16	digital	digital	ADJ
hassl-3617	47	17	financial	financial	ADJ
hassl-3617	47	18	services	service	NOUN
hassl-3617	47	19	to	to	PART
hassl-3617	47	20	combat	combat	NOUN
hassl-3617	47	21	poverty	poverty	NOUN
hassl-3617	47	22	.	.	PUNCT
hassl-3617	48	1	however	however	ADV
hassl-3617	48	2	,	,	PUNCT
hassl-3617	48	3	this	this	DET
hassl-3617	48	4	research	research	NOUN
hassl-3617	48	5	also	also	ADV
hassl-3617	48	6	highlights	highlight	VERB
hassl-3617	48	7	the	the	DET
hassl-3617	48	8	ongoing	ongoing	ADJ
hassl-3617	48	9	inequalities	inequality	NOUN
hassl-3617	48	10	in	in	ADP
hassl-3617	48	11	these	these	DET
hassl-3617	48	12	countries	country	NOUN
hassl-3617	48	13	,	,	PUNCT
hassl-3617	48	14	including	include	VERB
hassl-3617	48	15	disparities	disparity	NOUN
hassl-3617	48	16	in	in	ADP
hassl-3617	48	17	terms	term	NOUN
hassl-3617	48	18	of	of	ADP
hassl-3617	48	19	gender	gender	NOUN
hassl-3617	48	20	,	,	PUNCT
hassl-3617	48	21	income	income	NOUN
hassl-3617	48	22	levels	level	NOUN
hassl-3617	48	23	,	,	PUNCT
hassl-3617	48	24	and	and	CCONJ
hassl-3617	48	25	urban	urban	ADJ
hassl-3617	48	26	and	and	CCONJ
hassl-3617	48	27	rural	rural	ADJ
hassl-3617	48	28	areas	area	NOUN
hassl-3617	48	29	,	,	PUNCT
hassl-3617	48	30	regarding	regard	VERB
hassl-3617	48	31	access	access	NOUN
hassl-3617	48	32	to	to	ADP
hassl-3617	48	33	and	and	CCONJ
hassl-3617	48	34	usage	usage	NOUN
hassl-3617	48	35	of	of	ADP
hassl-3617	48	36	digital	digital	ADJ
hassl-3617	48	37	financial	financial	ADJ
hassl-3617	48	38	services	service	NOUN
hassl-3617	48	39	.	.	PUNCT
hassl-3617	49	1	nevertheless	nevertheless	ADV
hassl-3617	49	2	,	,	PUNCT
hassl-3617	49	3	there	there	PRON
hassl-3617	49	4	is	be	VERB
hassl-3617	49	5	a	a	DET
hassl-3617	49	6	lack	lack	NOUN
hassl-3617	49	7	of	of	ADP
hassl-3617	49	8	study	study	NOUN
hassl-3617	49	9	that	that	PRON
hassl-3617	49	10	develops	develop	VERB
hassl-3617	49	11	the	the	DET
hassl-3617	49	12	model	model	NOUN
hassl-3617	49	13	that	that	PRON
hassl-3617	49	14	explains	explain	VERB
hassl-3617	49	15	the	the	DET
hassl-3617	49	16	impact	impact	NOUN
hassl-3617	49	17	of	of	ADP
hassl-3617	49	18	dfl	dfl	PROPN
hassl-3617	49	19	on	on	ADP
hassl-3617	49	20	dfi	dfi	PROPN
hassl-3617	49	21	and	and	CCONJ
hassl-3617	49	22	examines	examine	VERB
hassl-3617	49	23	further	far	ADV
hassl-3617	49	24	whether	whether	SCONJ
hassl-3617	49	25	there	there	PRON
hassl-3617	49	26	is	be	VERB
hassl-3617	49	27	a	a	DET
hassl-3617	49	28	differential	differential	ADJ
hassl-3617	49	29	impact	impact	NOUN
hassl-3617	49	30	between	between	ADP
hassl-3617	49	31	the	the	DET
hassl-3617	49	32	groups	group	NOUN
hassl-3617	49	33	of	of	ADP
hassl-3617	49	34	females	female	NOUN
hassl-3617	49	35	and	and	CCONJ
hassl-3617	49	36	males	male	NOUN
hassl-3617	49	37	.	.	PUNCT
hassl-3617	50	1	as	as	ADP
hassl-3617	50	2	a	a	DET
hassl-3617	50	3	component	component	NOUN
hassl-3617	50	4	at	at	ADP
hassl-3617	50	5	the	the	DET
hassl-3617	50	6	bottom	bottom	NOUN
hassl-3617	50	7	of	of	ADP
hassl-3617	50	8	the	the	DET
hassl-3617	50	9	pyramid	pyramid	NOUN
hassl-3617	50	10	,	,	PUNCT
hassl-3617	50	11	women	woman	NOUN
hassl-3617	50	12	still	still	ADV
hassl-3617	50	13	become	become	VERB
hassl-3617	50	14	the	the	DET
hassl-3617	50	15	focus	focus	NOUN
hassl-3617	50	16	of	of	ADP
hassl-3617	50	17	the	the	DET
hassl-3617	50	18	government	government	NOUN
hassl-3617	50	19	in	in	ADP
hassl-3617	50	20	enhancing	enhance	VERB
hassl-3617	50	21	their	their	PRON
hassl-3617	50	22	access	access	NOUN
hassl-3617	50	23	to	to	ADP
hassl-3617	50	24	financial	financial	ADJ
hassl-3617	50	25	products	product	NOUN
hassl-3617	50	26	and	and	CCONJ
hassl-3617	50	27	services	service	NOUN
hassl-3617	50	28	.	.	PUNCT
hassl-3617	51	1	this	this	DET
hassl-3617	51	2	study	study	NOUN
hassl-3617	51	3	contributes	contribute	VERB
hassl-3617	51	4	to	to	ADP
hassl-3617	51	5	filling	fill	VERB
hassl-3617	51	6	the	the	DET
hassl-3617	51	7	research	research	NOUN
hassl-3617	51	8	gap	gap	NOUN
hassl-3617	51	9	by	by	ADP
hassl-3617	51	10	observing	observe	VERB
hassl-3617	51	11	households	household	NOUN
hassl-3617	51	12	that	that	PRON
hassl-3617	51	13	represent	represent	VERB
hassl-3617	51	14	the	the	DET
hassl-3617	51	15	evidence	evidence	NOUN
hassl-3617	51	16	from	from	ADP
hassl-3617	51	17	indonesia	indonesia	PROPN
hassl-3617	51	18	.	.	PUNCT
hassl-3617	52	1	humanities	humanity	NOUN
hassl-3617	52	2	and	and	CCONJ
hassl-3617	52	3	social	social	ADJ
hassl-3617	52	4	sciences	science	NOUN
hassl-3617	52	5	letters	letter	NOUN
hassl-3617	52	6	,	,	PUNCT
hassl-3617	52	7	2024	2024	NUM
hassl-3617	52	8	,	,	PUNCT
hassl-3617	52	9	12(1	12(1	NUM
hassl-3617	52	10	):	):	PUNCT
hassl-3617	52	11	33	33	NUM
hassl-3617	52	12	-	-	SYM
hassl-3617	52	13	42	42	NUM
hassl-3617	52	14	35	35	NUM
hassl-3617	52	15	©	©	PROPN
hassl-3617	52	16	2024	2024	NUM
hassl-3617	52	17	conscientia	conscientia	PROPN
hassl-3617	52	18	beam	beam	PROPN
hassl-3617	52	19	.	.	PUNCT
hassl-3617	53	1	all	all	DET
hassl-3617	53	2	rights	right	NOUN
hassl-3617	53	3	reserved	reserve	VERB
hassl-3617	53	4	.	.	PUNCT
hassl-3617	54	1	2	2	X
hassl-3617	54	2	.	.	X
hassl-3617	54	3	literature	literature	NOUN
hassl-3617	54	4	review	review	PROPN
hassl-3617	54	5	and	and	CCONJ
hassl-3617	54	6	hypotheses	hypothese	VERB
hassl-3617	54	7	development	development	NOUN
hassl-3617	54	8	2.1	2.1	NUM
hassl-3617	54	9	.	.	PUNCT
hassl-3617	55	1	digital	digital	ADJ
hassl-3617	55	2	financial	financial	ADJ
hassl-3617	55	3	inclusion	inclusion	NOUN
hassl-3617	55	4	technological	technological	ADJ
hassl-3617	55	5	advancements	advancement	NOUN
hassl-3617	55	6	have	have	AUX
hassl-3617	55	7	facilitated	facilitate	VERB
hassl-3617	55	8	the	the	DET
hassl-3617	55	9	reduction	reduction	NOUN
hassl-3617	55	10	of	of	ADP
hassl-3617	55	11	costs	cost	NOUN
hassl-3617	55	12	and	and	CCONJ
hassl-3617	55	13	inconveniences	inconvenience	NOUN
hassl-3617	55	14	associated	associate	VERB
hassl-3617	55	15	with	with	ADP
hassl-3617	55	16	accessing	access	VERB
hassl-3617	55	17	financial	financial	ADJ
hassl-3617	55	18	services	service	NOUN
hassl-3617	55	19	.	.	PUNCT
hassl-3617	56	1	the	the	DET
hassl-3617	56	2	integration	integration	NOUN
hassl-3617	56	3	of	of	ADP
hassl-3617	56	4	digital	digital	ADJ
hassl-3617	56	5	payment	payment	NOUN
hassl-3617	56	6	technology	technology	NOUN
hassl-3617	56	7	with	with	ADP
hassl-3617	56	8	mobile	mobile	ADJ
hassl-3617	56	9	technology	technology	NOUN
hassl-3617	56	10	is	be	AUX
hassl-3617	56	11	driving	drive	VERB
hassl-3617	56	12	a	a	DET
hassl-3617	56	13	transformation	transformation	NOUN
hassl-3617	56	14	in	in	ADP
hassl-3617	56	15	the	the	DET
hassl-3617	56	16	financial	financial	ADJ
hassl-3617	56	17	system	system	NOUN
hassl-3617	56	18	,	,	PUNCT
hassl-3617	56	19	resulting	result	VERB
hassl-3617	56	20	in	in	ADP
hassl-3617	56	21	the	the	DET
hassl-3617	56	22	elimination	elimination	NOUN
hassl-3617	56	23	of	of	ADP
hassl-3617	56	24	up	up	ADP
hassl-3617	56	25	to	to	PART
hassl-3617	56	26	90	90	NUM
hassl-3617	56	27	percent	percent	NOUN
hassl-3617	56	28	of	of	ADP
hassl-3617	56	29	transaction	transaction	NOUN
hassl-3617	56	30	fees	fee	NOUN
hassl-3617	56	31	.	.	PUNCT
hassl-3617	57	1	digital	digital	ADJ
hassl-3617	57	2	financial	financial	ADJ
hassl-3617	57	3	inclusion	inclusion	NOUN
hassl-3617	57	4	is	be	AUX
hassl-3617	57	5	enabling	enable	VERB
hassl-3617	57	6	a	a	DET
hassl-3617	57	7	significant	significant	ADJ
hassl-3617	57	8	portion	portion	NOUN
hassl-3617	57	9	of	of	ADP
hassl-3617	57	10	marginalized	marginalize	VERB
hassl-3617	57	11	and	and	CCONJ
hassl-3617	57	12	previously	previously	ADV
hassl-3617	57	13	underserved	underserved	ADJ
hassl-3617	57	14	populations	population	NOUN
hassl-3617	57	15	to	to	PART
hassl-3617	57	16	shift	shift	VERB
hassl-3617	57	17	from	from	ADP
hassl-3617	57	18	relying	rely	VERB
hassl-3617	57	19	solely	solely	ADV
hassl-3617	57	20	on	on	ADP
hassl-3617	57	21	cash	cash	NOUN
hassl-3617	57	22	-	-	PUNCT
hassl-3617	57	23	based	base	VERB
hassl-3617	57	24	transactions	transaction	NOUN
hassl-3617	57	25	to	to	ADP
hassl-3617	57	26	embracing	embrace	VERB
hassl-3617	57	27	formal	formal	ADJ
hassl-3617	57	28	financial	financial	ADJ
hassl-3617	57	29	services	service	NOUN
hassl-3617	57	30	and	and	CCONJ
hassl-3617	57	31	avenues	avenue	NOUN
hassl-3617	57	32	like	like	ADP
hassl-3617	57	33	savings	saving	NOUN
hassl-3617	57	34	,	,	PUNCT
hassl-3617	57	35	payments	payment	NOUN
hassl-3617	57	36	,	,	PUNCT
hassl-3617	57	37	insurance	insurance	NOUN
hassl-3617	57	38	,	,	PUNCT
hassl-3617	57	39	and	and	CCONJ
hassl-3617	57	40	credit	credit	NOUN
hassl-3617	57	41	,	,	PUNCT
hassl-3617	57	42	all	all	PRON
hassl-3617	57	43	facilitated	facilitate	VERB
hassl-3617	57	44	through	through	ADP
hassl-3617	57	45	mobile	mobile	ADJ
hassl-3617	57	46	money	money	NOUN
hassl-3617	57	47	and	and	CCONJ
hassl-3617	57	48	other	other	ADJ
hassl-3617	57	49	digital	digital	ADJ
hassl-3617	57	50	technologies	technology	NOUN
hassl-3617	57	51	(	(	PUNCT
hassl-3617	57	52	mpofu	mpofu	NOUN
hassl-3617	57	53	&	&	CCONJ
hassl-3617	57	54	mhlanga	mhlanga	PROPN
hassl-3617	57	55	,	,	PUNCT
hassl-3617	57	56	2022	2022	NUM
hassl-3617	57	57	)	)	PUNCT
hassl-3617	57	58	.	.	PUNCT
hassl-3617	58	1	given	give	VERB
hassl-3617	58	2	the	the	DET
hassl-3617	58	3	current	current	ADJ
hassl-3617	58	4	government	government	NOUN
hassl-3617	58	5	policies	policy	NOUN
hassl-3617	58	6	promoting	promote	VERB
hassl-3617	58	7	the	the	DET
hassl-3617	58	8	adoption	adoption	NOUN
hassl-3617	58	9	of	of	ADP
hassl-3617	58	10	digital	digital	ADJ
hassl-3617	58	11	or	or	CCONJ
hassl-3617	58	12	cashless	cashless	NOUN
hassl-3617	58	13	payments	payment	NOUN
hassl-3617	58	14	,	,	PUNCT
hassl-3617	58	15	the	the	DET
hassl-3617	58	16	digital	digital	ADJ
hassl-3617	58	17	platform	platform	NOUN
hassl-3617	58	18	has	have	VERB
hassl-3617	58	19	the	the	DET
hassl-3617	58	20	potential	potential	NOUN
hassl-3617	58	21	to	to	PART
hassl-3617	58	22	handle	handle	VERB
hassl-3617	58	23	millions	million	NOUN
hassl-3617	58	24	of	of	ADP
hassl-3617	58	25	transactions	transaction	NOUN
hassl-3617	58	26	per	per	ADP
hassl-3617	58	27	day	day	NOUN
hassl-3617	58	28	.	.	PUNCT
hassl-3617	59	1	this	this	DET
hassl-3617	59	2	development	development	NOUN
hassl-3617	59	3	is	be	AUX
hassl-3617	59	4	one	one	NUM
hassl-3617	59	5	facet	facet	NOUN
hassl-3617	59	6	of	of	ADP
hassl-3617	59	7	digital	digital	ADJ
hassl-3617	59	8	financial	financial	ADJ
hassl-3617	59	9	inclusion	inclusion	NOUN
hassl-3617	59	10	(	(	PUNCT
hassl-3617	59	11	dfi	dfi	PROPN
hassl-3617	59	12	)	)	PUNCT
hassl-3617	59	13	.	.	PUNCT
hassl-3617	60	1	digital	digital	ADJ
hassl-3617	60	2	financial	financial	ADJ
hassl-3617	60	3	inclusion	inclusion	NOUN
hassl-3617	60	4	(	(	PUNCT
hassl-3617	60	5	dfi	dfi	PROPN
hassl-3617	60	6	)	)	PUNCT
hassl-3617	60	7	encompasses	encompass	VERB
hassl-3617	60	8	initiatives	initiative	NOUN
hassl-3617	60	9	aimed	aim	VERB
hassl-3617	60	10	at	at	ADP
hassl-3617	60	11	ensuring	ensure	VERB
hassl-3617	60	12	that	that	SCONJ
hassl-3617	60	13	digital	digital	ADJ
hassl-3617	60	14	financial	financial	ADJ
hassl-3617	60	15	services	service	NOUN
hassl-3617	60	16	are	be	AUX
hassl-3617	60	17	accessible	accessible	ADJ
hassl-3617	60	18	and	and	CCONJ
hassl-3617	60	19	cost	cost	NOUN
hassl-3617	60	20	-	-	PUNCT
hassl-3617	60	21	effective	effective	ADJ
hassl-3617	60	22	for	for	ADP
hassl-3617	60	23	every	every	DET
hassl-3617	60	24	person	person	NOUN
hassl-3617	60	25	and	and	CCONJ
hassl-3617	60	26	organization	organization	NOUN
hassl-3617	60	27	,	,	PUNCT
hassl-3617	60	28	irrespective	irrespective	ADV
hassl-3617	60	29	of	of	ADP
hassl-3617	60	30	their	their	PRON
hassl-3617	60	31	financial	financial	ADJ
hassl-3617	60	32	situation	situation	NOUN
hassl-3617	60	33	,	,	PUNCT
hassl-3617	60	34	institution	institution	NOUN
hassl-3617	60	35	size	size	NOUN
hassl-3617	60	36	,	,	PUNCT
hassl-3617	60	37	or	or	CCONJ
hassl-3617	60	38	geographical	geographical	ADJ
hassl-3617	60	39	location	location	NOUN
hassl-3617	60	40	(	(	PUNCT
hassl-3617	60	41	lutfi	lutfi	PROPN
hassl-3617	60	42	et	et	PROPN
hassl-3617	60	43	al	al	PROPN
hassl-3617	60	44	.	.	PROPN
hassl-3617	60	45	,	,	PUNCT
hassl-3617	60	46	2021	2021	NUM
hassl-3617	60	47	)	)	PUNCT
hassl-3617	60	48	.	.	PUNCT
hassl-3617	61	1	chu	chu	PROPN
hassl-3617	61	2	(	(	PUNCT
hassl-3617	61	3	2018	2018	NUM
hassl-3617	61	4	)	)	PUNCT
hassl-3617	61	5	defines	define	VERB
hassl-3617	61	6	digital	digital	ADJ
hassl-3617	61	7	financial	financial	ADJ
hassl-3617	61	8	inclusion	inclusion	NOUN
hassl-3617	61	9	(	(	PUNCT
hassl-3617	61	10	dfi	dfi	PROPN
hassl-3617	61	11	)	)	PUNCT
hassl-3617	61	12	as	as	ADP
hassl-3617	61	13	the	the	DET
hassl-3617	61	14	provision	provision	NOUN
hassl-3617	61	15	of	of	ADP
hassl-3617	61	16	essential	essential	ADJ
hassl-3617	61	17	banking	banking	NOUN
hassl-3617	61	18	services	service	NOUN
hassl-3617	61	19	,	,	PUNCT
hassl-3617	61	20	such	such	ADJ
hassl-3617	61	21	as	as	ADP
hassl-3617	61	22	savings	saving	NOUN
hassl-3617	61	23	,	,	PUNCT
hassl-3617	61	24	loans	loan	NOUN
hassl-3617	61	25	,	,	PUNCT
hassl-3617	61	26	insurance	insurance	NOUN
hassl-3617	61	27	,	,	PUNCT
hassl-3617	61	28	and	and	CCONJ
hassl-3617	61	29	other	other	ADJ
hassl-3617	61	30	financial	financial	ADJ
hassl-3617	61	31	services	service	NOUN
hassl-3617	61	32	,	,	PUNCT
hassl-3617	61	33	to	to	ADP
hassl-3617	61	34	all	all	DET
hassl-3617	61	35	individuals	individual	NOUN
hassl-3617	61	36	in	in	ADP
hassl-3617	61	37	the	the	DET
hassl-3617	61	38	population	population	NOUN
hassl-3617	61	39	,	,	PUNCT
hassl-3617	61	40	particularly	particularly	ADV
hassl-3617	61	41	those	those	PRON
hassl-3617	61	42	living	live	VERB
hassl-3617	61	43	below	below	ADP
hassl-3617	61	44	the	the	DET
hassl-3617	61	45	poverty	poverty	NOUN
hassl-3617	61	46	line	line	NOUN
hassl-3617	61	47	.	.	PUNCT
hassl-3617	62	1	in	in	ADP
hassl-3617	62	2	contrast	contrast	NOUN
hassl-3617	62	3	,	,	PUNCT
hassl-3617	62	4	naumenkova	naumenkova	PROPN
hassl-3617	62	5	et	et	PROPN
hassl-3617	62	6	al	al	PROPN
hassl-3617	62	7	.	.	PROPN
hassl-3617	63	1	(	(	PUNCT
hassl-3617	63	2	2019	2019	NUM
hassl-3617	63	3	)	)	PUNCT
hassl-3617	63	4	characterize	characterize	VERB
hassl-3617	63	5	dfi	dfi	PROPN
hassl-3617	63	6	as	as	ADP
hassl-3617	63	7	the	the	DET
hassl-3617	63	8	facilitation	facilitation	NOUN
hassl-3617	63	9	of	of	ADP
hassl-3617	63	10	access	access	NOUN
hassl-3617	63	11	to	to	ADP
hassl-3617	63	12	formal	formal	ADJ
hassl-3617	63	13	financial	financial	ADJ
hassl-3617	63	14	services	service	NOUN
hassl-3617	63	15	through	through	ADP
hassl-3617	63	16	the	the	DET
hassl-3617	63	17	utilization	utilization	NOUN
hassl-3617	63	18	of	of	ADP
hassl-3617	63	19	digital	digital	ADJ
hassl-3617	63	20	technology	technology	NOUN
hassl-3617	63	21	.	.	PUNCT
hassl-3617	64	1	this	this	PRON
hassl-3617	64	2	encompasses	encompass	VERB
hassl-3617	64	3	digital	digital	ADJ
hassl-3617	64	4	interactions	interaction	NOUN
hassl-3617	64	5	between	between	ADP
hassl-3617	64	6	financial	financial	ADJ
hassl-3617	64	7	institutions	institution	NOUN
hassl-3617	64	8	and	and	CCONJ
hassl-3617	64	9	consumers	consumer	NOUN
hassl-3617	64	10	as	as	ADV
hassl-3617	64	11	well	well	ADV
hassl-3617	64	12	as	as	ADP
hassl-3617	64	13	the	the	DET
hassl-3617	64	14	availability	availability	NOUN
hassl-3617	64	15	of	of	ADP
hassl-3617	64	16	infrastructure	infrastructure	NOUN
hassl-3617	64	17	to	to	PART
hassl-3617	64	18	support	support	VERB
hassl-3617	64	19	the	the	DET
hassl-3617	64	20	use	use	NOUN
hassl-3617	64	21	of	of	ADP
hassl-3617	64	22	digital	digital	ADJ
hassl-3617	64	23	financial	financial	ADJ
hassl-3617	64	24	products	product	NOUN
hassl-3617	64	25	.	.	PUNCT
hassl-3617	65	1	examples	example	NOUN
hassl-3617	65	2	of	of	ADP
hassl-3617	65	3	digital	digital	ADJ
hassl-3617	65	4	financial	financial	ADJ
hassl-3617	65	5	services	service	NOUN
hassl-3617	65	6	mentioned	mention	VERB
hassl-3617	65	7	include	include	VERB
hassl-3617	65	8	digital	digital	ADJ
hassl-3617	65	9	banks	bank	NOUN
hassl-3617	65	10	or	or	CCONJ
hassl-3617	65	11	mobile	mobile	ADJ
hassl-3617	65	12	banks	bank	NOUN
hassl-3617	65	13	,	,	PUNCT
hassl-3617	65	14	internet	internet	NOUN
hassl-3617	65	15	-	-	PUNCT
hassl-3617	65	16	based	base	VERB
hassl-3617	65	17	digital	digital	ADJ
hassl-3617	65	18	payments	payment	NOUN
hassl-3617	65	19	,	,	PUNCT
hassl-3617	65	20	mobile	mobile	ADJ
hassl-3617	65	21	wallets	wallet	NOUN
hassl-3617	65	22	,	,	PUNCT
hassl-3617	65	23	and	and	CCONJ
hassl-3617	65	24	e	e	NOUN
hassl-3617	65	25	-	-	NOUN
hassl-3617	65	26	wallets	wallet	NOUN
hassl-3617	65	27	.	.	PUNCT
hassl-3617	66	1	lai	lai	PROPN
hassl-3617	66	2	et	et	PROPN
hassl-3617	66	3	al	al	PROPN
hassl-3617	66	4	.	.	PROPN
hassl-3617	66	5	(	(	PUNCT
hassl-3617	66	6	2020	2020	NUM
hassl-3617	66	7	)	)	PUNCT
hassl-3617	66	8	elaborate	elaborate	ADJ
hassl-3617	66	9	on	on	ADP
hassl-3617	66	10	the	the	DET
hassl-3617	66	11	dimensions	dimension	NOUN
hassl-3617	66	12	used	use	VERB
hassl-3617	66	13	to	to	PART
hassl-3617	66	14	assess	assess	VERB
hassl-3617	66	15	the	the	DET
hassl-3617	66	16	dfi	dfi	PROPN
hassl-3617	66	17	index	index	PROPN
hassl-3617	66	18	,	,	PUNCT
hassl-3617	66	19	which	which	PRON
hassl-3617	66	20	encompass	encompass	VERB
hassl-3617	66	21	extensive	extensive	ADJ
hassl-3617	66	22	and	and	CCONJ
hassl-3617	66	23	intensive	intensive	ADJ
hassl-3617	66	24	utilization	utilization	NOUN
hassl-3617	66	25	,	,	PUNCT
hassl-3617	66	26	as	as	ADV
hassl-3617	66	27	well	well	ADV
hassl-3617	66	28	as	as	ADP
hassl-3617	66	29	digital	digital	ADJ
hassl-3617	66	30	service	service	NOUN
hassl-3617	66	31	provision	provision	NOUN
hassl-3617	66	32	.	.	PUNCT
hassl-3617	67	1	extensive	extensive	ADJ
hassl-3617	67	2	usage	usage	NOUN
hassl-3617	67	3	is	be	AUX
hassl-3617	67	4	measured	measure	VERB
hassl-3617	67	5	by	by	ADP
hassl-3617	67	6	considering	consider	VERB
hassl-3617	67	7	the	the	DET
hassl-3617	67	8	number	number	NOUN
hassl-3617	67	9	of	of	ADP
hassl-3617	67	10	individuals	individual	NOUN
hassl-3617	67	11	with	with	ADP
hassl-3617	67	12	"	"	PUNCT
hassl-3617	67	13	alipay	alipay	PROPN
hassl-3617	67	14	"	"	PUNCT
hassl-3617	67	15	accounts	account	NOUN
hassl-3617	67	16	and	and	CCONJ
hassl-3617	67	17	the	the	DET
hassl-3617	67	18	extent	extent	NOUN
hassl-3617	67	19	to	to	PART
hassl-3617	67	20	which	which	PRON
hassl-3617	67	21	these	these	DET
hassl-3617	67	22	accounts	account	NOUN
hassl-3617	67	23	are	be	AUX
hassl-3617	67	24	linked	link	VERB
hassl-3617	67	25	to	to	ADP
hassl-3617	67	26	bank	bank	NOUN
hassl-3617	67	27	cards	card	NOUN
hassl-3617	67	28	.	.	PUNCT
hassl-3617	68	1	intensive	intensive	ADJ
hassl-3617	68	2	usage	usage	NOUN
hassl-3617	68	3	gauges	gauge	VERB
hassl-3617	68	4	the	the	DET
hassl-3617	68	5	frequency	frequency	NOUN
hassl-3617	68	6	and	and	CCONJ
hassl-3617	68	7	intensity	intensity	NOUN
hassl-3617	68	8	with	with	ADP
hassl-3617	68	9	which	which	PRON
hassl-3617	68	10	people	people	NOUN
hassl-3617	68	11	utilize	utilize	VERB
hassl-3617	68	12	their	their	PRON
hassl-3617	68	13	alipay	alipay	NOUN
hassl-3617	68	14	accounts	account	NOUN
hassl-3617	68	15	for	for	ADP
hassl-3617	68	16	various	various	ADJ
hassl-3617	68	17	purposes	purpose	NOUN
hassl-3617	68	18	,	,	PUNCT
hassl-3617	68	19	such	such	ADJ
hassl-3617	68	20	as	as	ADP
hassl-3617	68	21	making	make	VERB
hassl-3617	68	22	payments	payment	NOUN
hassl-3617	68	23	,	,	PUNCT
hassl-3617	68	24	borrowing	borrow	VERB
hassl-3617	68	25	money	money	NOUN
hassl-3617	68	26	,	,	PUNCT
hassl-3617	68	27	purchasing	purchase	VERB
hassl-3617	68	28	insurance	insurance	NOUN
hassl-3617	68	29	,	,	PUNCT
hassl-3617	68	30	spending	spending	NOUN
hassl-3617	68	31	funds	fund	NOUN
hassl-3617	68	32	,	,	PUNCT
hassl-3617	68	33	and	and	CCONJ
hassl-3617	68	34	investing	invest	VERB
hassl-3617	68	35	in	in	ADP
hassl-3617	68	36	money	money	NOUN
hassl-3617	68	37	markets	market	NOUN
hassl-3617	68	38	.	.	PUNCT
hassl-3617	69	1	in	in	ADP
hassl-3617	69	2	regards	regard	NOUN
hassl-3617	69	3	to	to	ADP
hassl-3617	69	4	the	the	DET
hassl-3617	69	5	relationship	relationship	NOUN
hassl-3617	69	6	between	between	ADP
hassl-3617	69	7	dfi	dfi	PROPN
hassl-3617	69	8	and	and	CCONJ
hassl-3617	69	9	cellular	cellular	ADJ
hassl-3617	69	10	technology	technology	NOUN
hassl-3617	69	11	,	,	PUNCT
hassl-3617	69	12	chu	chu	PROPN
hassl-3617	69	13	(	(	PUNCT
hassl-3617	69	14	2018	2018	NUM
hassl-3617	69	15	)	)	PUNCT
hassl-3617	69	16	highlighted	highlight	VERB
hassl-3617	69	17	that	that	SCONJ
hassl-3617	69	18	the	the	DET
hassl-3617	69	19	expansion	expansion	NOUN
hassl-3617	69	20	of	of	ADP
hassl-3617	69	21	digital	digital	ADJ
hassl-3617	69	22	financial	financial	ADJ
hassl-3617	69	23	inclusion	inclusion	NOUN
hassl-3617	69	24	is	be	AUX
hassl-3617	69	25	closely	closely	ADV
hassl-3617	69	26	intertwined	intertwine	VERB
hassl-3617	69	27	with	with	ADP
hassl-3617	69	28	the	the	DET
hassl-3617	69	29	advancements	advancement	NOUN
hassl-3617	69	30	in	in	ADP
hassl-3617	69	31	cellular	cellular	ADJ
hassl-3617	69	32	technology	technology	NOUN
hassl-3617	69	33	.	.	PUNCT
hassl-3617	70	1	cellular	cellular	ADJ
hassl-3617	70	2	technology	technology	NOUN
hassl-3617	70	3	plays	play	VERB
hassl-3617	70	4	a	a	DET
hassl-3617	70	5	crucial	crucial	ADJ
hassl-3617	70	6	role	role	NOUN
hassl-3617	70	7	in	in	ADP
hassl-3617	70	8	enabling	enable	VERB
hassl-3617	70	9	accessibility	accessibility	NOUN
hassl-3617	70	10	for	for	ADP
hassl-3617	70	11	digital	digital	ADJ
hassl-3617	70	12	financial	financial	ADJ
hassl-3617	70	13	products	product	NOUN
hassl-3617	70	14	.	.	PUNCT
hassl-3617	71	1	chu	chu	PROPN
hassl-3617	71	2	(	(	PUNCT
hassl-3617	71	3	2018	2018	NUM
hassl-3617	71	4	)	)	PUNCT
hassl-3617	71	5	emphasized	emphasize	VERB
hassl-3617	71	6	that	that	SCONJ
hassl-3617	71	7	an	an	DET
hassl-3617	71	8	accessible	accessible	ADJ
hassl-3617	71	9	cellular	cellular	ADJ
hassl-3617	71	10	network	network	NOUN
hassl-3617	71	11	should	should	AUX
hassl-3617	71	12	be	be	AUX
hassl-3617	71	13	available	available	ADJ
hassl-3617	71	14	anytime	anytime	ADV
hassl-3617	71	15	and	and	CCONJ
hassl-3617	71	16	anywhere	anywhere	ADV
hassl-3617	71	17	to	to	PART
hassl-3617	71	18	ensure	ensure	VERB
hassl-3617	71	19	that	that	SCONJ
hassl-3617	71	20	individuals	individual	NOUN
hassl-3617	71	21	can	can	AUX
hassl-3617	71	22	utilize	utilize	VERB
hassl-3617	71	23	digital	digital	ADJ
hassl-3617	71	24	financial	financial	ADJ
hassl-3617	71	25	services	service	NOUN
hassl-3617	71	26	.	.	PUNCT
hassl-3617	72	1	this	this	PRON
hassl-3617	72	2	implies	imply	VERB
hassl-3617	72	3	that	that	SCONJ
hassl-3617	72	4	the	the	DET
hassl-3617	72	5	network	network	NOUN
hassl-3617	72	6	infrastructure	infrastructure	NOUN
hassl-3617	72	7	must	must	AUX
hassl-3617	72	8	adhere	adhere	VERB
hassl-3617	72	9	to	to	ADP
hassl-3617	72	10	standardized	standardized	ADJ
hassl-3617	72	11	specifications	specification	NOUN
hassl-3617	72	12	,	,	PUNCT
hassl-3617	72	13	allowing	allow	VERB
hassl-3617	72	14	it	it	PRON
hassl-3617	72	15	to	to	PART
hassl-3617	72	16	be	be	AUX
hassl-3617	72	17	compatible	compatible	ADJ
hassl-3617	72	18	with	with	ADP
hassl-3617	72	19	multiple	multiple	ADJ
hassl-3617	72	20	mobile	mobile	ADJ
hassl-3617	72	21	network	network	NOUN
hassl-3617	72	22	operators	operator	NOUN
hassl-3617	72	23	and	and	CCONJ
hassl-3617	72	24	various	various	ADJ
hassl-3617	72	25	models	model	NOUN
hassl-3617	72	26	of	of	ADP
hassl-3617	72	27	mobile	mobile	ADJ
hassl-3617	72	28	phones	phone	NOUN
hassl-3617	72	29	.	.	PUNCT
hassl-3617	73	1	2.2	2.2	NUM
hassl-3617	73	2	.	.	PUNCT
hassl-3617	74	1	digital	digital	ADJ
hassl-3617	74	2	financial	financial	ADJ
hassl-3617	74	3	literacy	literacy	NOUN
hassl-3617	74	4	digital	digital	ADJ
hassl-3617	74	5	financial	financial	ADJ
hassl-3617	74	6	literacy	literacy	NOUN
hassl-3617	74	7	refers	refer	VERB
hassl-3617	74	8	to	to	ADP
hassl-3617	74	9	an	an	DET
hassl-3617	74	10	individual	individual	NOUN
hassl-3617	74	11	's	's	PART
hassl-3617	74	12	comprehension	comprehension	NOUN
hassl-3617	74	13	of	of	ADP
hassl-3617	74	14	concepts	concept	NOUN
hassl-3617	74	15	related	relate	VERB
hassl-3617	74	16	to	to	ADP
hassl-3617	74	17	online	online	ADJ
hassl-3617	74	18	shopping	shopping	NOUN
hassl-3617	74	19	,	,	PUNCT
hassl-3617	74	20	utilizing	utilize	VERB
hassl-3617	74	21	diverse	diverse	ADJ
hassl-3617	74	22	payment	payment	NOUN
hassl-3617	74	23	methods	method	NOUN
hassl-3617	74	24	for	for	ADP
hassl-3617	74	25	internet	internet	NOUN
hassl-3617	74	26	transactions	transaction	NOUN
hassl-3617	74	27	,	,	PUNCT
hassl-3617	74	28	and	and	CCONJ
hassl-3617	74	29	navigating	navigate	VERB
hassl-3617	74	30	the	the	DET
hassl-3617	74	31	digital	digital	ADJ
hassl-3617	74	32	banking	banking	NOUN
hassl-3617	74	33	system	system	NOUN
hassl-3617	74	34	(	(	PUNCT
hassl-3617	74	35	prasad	prasad	NOUN
hassl-3617	74	36	,	,	PUNCT
hassl-3617	74	37	meghwal	meghwal	PROPN
hassl-3617	74	38	,	,	PUNCT
hassl-3617	74	39	&	&	CCONJ
hassl-3617	74	40	dayama	dayama	NOUN
hassl-3617	74	41	,	,	PUNCT
hassl-3617	74	42	2018	2018	NUM
hassl-3617	74	43	;	;	PUNCT
hassl-3617	74	44	rahayu	rahayu	PROPN
hassl-3617	74	45	,	,	PUNCT
hassl-3617	74	46	ali	ali	PROPN
hassl-3617	74	47	,	,	PUNCT
hassl-3617	74	48	aulia	aulia	PROPN
hassl-3617	74	49	,	,	PUNCT
hassl-3617	74	50	&	&	CCONJ
hassl-3617	74	51	hidayah	hidayah	PROPN
hassl-3617	74	52	,	,	PUNCT
hassl-3617	74	53	2022	2022	NUM
hassl-3617	74	54	)	)	PUNCT
hassl-3617	74	55	.	.	PUNCT
hassl-3617	75	1	digital	digital	ADJ
hassl-3617	75	2	financial	financial	ADJ
hassl-3617	75	3	literacy	literacy	NOUN
hassl-3617	75	4	(	(	PUNCT
hassl-3617	75	5	dfl	dfl	PROPN
hassl-3617	75	6	)	)	PUNCT
hassl-3617	75	7	plays	play	VERB
hassl-3617	75	8	a	a	DET
hassl-3617	75	9	vital	vital	ADJ
hassl-3617	75	10	role	role	NOUN
hassl-3617	75	11	in	in	ADP
hassl-3617	75	12	driving	drive	VERB
hassl-3617	75	13	the	the	DET
hassl-3617	75	14	effectiveness	effectiveness	NOUN
hassl-3617	75	15	of	of	ADP
hassl-3617	75	16	digital	digital	ADJ
hassl-3617	75	17	financial	financial	ADJ
hassl-3617	75	18	inclusion	inclusion	NOUN
hassl-3617	75	19	programs	program	NOUN
hassl-3617	75	20	,	,	PUNCT
hassl-3617	75	21	leading	lead	VERB
hassl-3617	75	22	several	several	ADJ
hassl-3617	75	23	countries	country	NOUN
hassl-3617	75	24	worldwide	worldwide	ADV
hassl-3617	75	25	to	to	PART
hassl-3617	75	26	prioritize	prioritize	VERB
hassl-3617	75	27	these	these	DET
hassl-3617	75	28	two	two	NUM
hassl-3617	75	29	critical	critical	ADJ
hassl-3617	75	30	areas	area	NOUN
hassl-3617	75	31	in	in	ADP
hassl-3617	75	32	their	their	PRON
hassl-3617	75	33	policies	policy	NOUN
hassl-3617	75	34	.	.	PUNCT
hassl-3617	76	1	dfl	dfl	PROPN
hassl-3617	76	2	encompasses	encompass	VERB
hassl-3617	76	3	two	two	NUM
hassl-3617	76	4	fundamental	fundamental	ADJ
hassl-3617	76	5	concepts	concept	NOUN
hassl-3617	76	6	,	,	PUNCT
hassl-3617	76	7	namely	namely	ADV
hassl-3617	76	8	digital	digital	ADJ
hassl-3617	76	9	literacy	literacy	NOUN
hassl-3617	76	10	and	and	CCONJ
hassl-3617	76	11	financial	financial	ADJ
hassl-3617	76	12	literacy	literacy	NOUN
hassl-3617	76	13	,	,	PUNCT
hassl-3617	76	14	and	and	CCONJ
hassl-3617	76	15	also	also	ADV
hassl-3617	76	16	incorporates	incorporate	VERB
hassl-3617	76	17	additional	additional	ADJ
hassl-3617	76	18	elements	element	NOUN
hassl-3617	76	19	such	such	ADJ
hassl-3617	76	20	as	as	ADP
hassl-3617	76	21	product	product	NOUN
hassl-3617	76	22	characteristics	characteristic	NOUN
hassl-3617	76	23	and	and	CCONJ
hassl-3617	76	24	awareness	awareness	NOUN
hassl-3617	76	25	of	of	ADP
hassl-3617	76	26	potential	potential	ADJ
hassl-3617	76	27	risks	risk	NOUN
hassl-3617	76	28	faced	face	VERB
hassl-3617	76	29	by	by	ADP
hassl-3617	76	30	individuals	individual	NOUN
hassl-3617	76	31	.	.	PUNCT
hassl-3617	77	1	in	in	ADP
hassl-3617	77	2	their	their	PRON
hassl-3617	77	3	study	study	NOUN
hassl-3617	77	4	,	,	PUNCT
hassl-3617	77	5	morgan	morgan	PROPN
hassl-3617	77	6	,	,	PUNCT
hassl-3617	77	7	huang	huang	PROPN
hassl-3617	77	8	,	,	PUNCT
hassl-3617	77	9	and	and	CCONJ
hassl-3617	77	10	trinh	trinh	PROPN
hassl-3617	77	11	(	(	PUNCT
hassl-3617	77	12	2019	2019	NUM
hassl-3617	77	13	)	)	PUNCT
hassl-3617	77	14	emphasized	emphasize	VERB
hassl-3617	77	15	the	the	DET
hassl-3617	77	16	multidimensional	multidimensional	ADJ
hassl-3617	77	17	nature	nature	NOUN
hassl-3617	77	18	of	of	ADP
hassl-3617	77	19	digital	digital	ADJ
hassl-3617	77	20	financial	financial	ADJ
hassl-3617	77	21	literacy	literacy	NOUN
hassl-3617	77	22	.	.	PUNCT
hassl-3617	78	1	various	various	ADJ
hassl-3617	78	2	scholarly	scholarly	ADJ
hassl-3617	78	3	works	work	NOUN
hassl-3617	78	4	have	have	AUX
hassl-3617	78	5	provided	provide	VERB
hassl-3617	78	6	diverse	diverse	ADJ
hassl-3617	78	7	definitions	definition	NOUN
hassl-3617	78	8	of	of	ADP
hassl-3617	78	9	dfl	dfl	PROPN
hassl-3617	78	10	,	,	PUNCT
hassl-3617	78	11	tailored	tailor	VERB
hassl-3617	78	12	to	to	ADP
hassl-3617	78	13	the	the	DET
hassl-3617	78	14	specific	specific	ADJ
hassl-3617	78	15	objectives	objective	NOUN
hassl-3617	78	16	of	of	ADP
hassl-3617	78	17	their	their	PRON
hassl-3617	78	18	respective	respective	ADJ
hassl-3617	78	19	research	research	NOUN
hassl-3617	78	20	endeavors	endeavor	NOUN
hassl-3617	78	21	.	.	PUNCT
hassl-3617	79	1	morgan	morgan	PROPN
hassl-3617	79	2	and	and	CCONJ
hassl-3617	79	3	long	long	ADJ
hassl-3617	79	4	(	(	PUNCT
hassl-3617	79	5	2020	2020	NUM
hassl-3617	79	6	)	)	PUNCT
hassl-3617	79	7	identified	identify	VERB
hassl-3617	79	8	four	four	NUM
hassl-3617	79	9	dimensions	dimension	NOUN
hassl-3617	79	10	that	that	PRON
hassl-3617	79	11	encapsulate	encapsulate	VERB
hassl-3617	79	12	the	the	DET
hassl-3617	79	13	essence	essence	NOUN
hassl-3617	79	14	of	of	ADP
hassl-3617	79	15	digital	digital	ADJ
hassl-3617	79	16	financial	financial	ADJ
hassl-3617	79	17	literacy	literacy	NOUN
hassl-3617	79	18	(	(	PUNCT
hassl-3617	79	19	dfl	dfl	PROPN
hassl-3617	79	20	)	)	PUNCT
hassl-3617	79	21	.	.	PUNCT
hassl-3617	80	1	these	these	DET
hassl-3617	80	2	dimensions	dimension	NOUN
hassl-3617	80	3	encompass	encompass	VERB
hassl-3617	80	4	knowledge	knowledge	NOUN
hassl-3617	80	5	about	about	ADP
hassl-3617	80	6	digital	digital	ADJ
hassl-3617	80	7	financial	financial	ADJ
hassl-3617	80	8	products	product	NOUN
hassl-3617	80	9	and	and	CCONJ
hassl-3617	80	10	services	service	NOUN
hassl-3617	80	11	,	,	PUNCT
hassl-3617	80	12	awareness	awareness	NOUN
hassl-3617	80	13	of	of	ADP
hassl-3617	80	14	digital	digital	ADJ
hassl-3617	80	15	financial	financial	ADJ
hassl-3617	80	16	risks	risk	NOUN
hassl-3617	80	17	,	,	PUNCT
hassl-3617	80	18	comprehension	comprehension	NOUN
hassl-3617	80	19	of	of	ADP
hassl-3617	80	20	strategies	strategy	NOUN
hassl-3617	80	21	to	to	PART
hassl-3617	80	22	mitigate	mitigate	VERB
hassl-3617	80	23	these	these	DET
hassl-3617	80	24	risks	risk	NOUN
hassl-3617	80	25	,	,	PUNCT
hassl-3617	80	26	and	and	CCONJ
hassl-3617	80	27	an	an	DET
hassl-3617	80	28	understanding	understanding	NOUN
hassl-3617	80	29	of	of	ADP
hassl-3617	80	30	consumer	consumer	NOUN
hassl-3617	80	31	humanities	humanity	NOUN
hassl-3617	80	32	and	and	CCONJ
hassl-3617	80	33	social	social	ADJ
hassl-3617	80	34	sciences	science	NOUN
hassl-3617	80	35	letters	letter	NOUN
hassl-3617	80	36	,	,	PUNCT
hassl-3617	80	37	2024	2024	NUM
hassl-3617	80	38	,	,	PUNCT
hassl-3617	80	39	12(1	12(1	NUM
hassl-3617	80	40	):	):	PUNCT
hassl-3617	80	41	33	33	NUM
hassl-3617	80	42	-	-	SYM
hassl-3617	80	43	42	42	NUM
hassl-3617	80	44	36	36	NUM
hassl-3617	80	45	©	©	PROPN
hassl-3617	80	46	2024	2024	NUM
hassl-3617	80	47	conscientia	conscientia	PROPN
hassl-3617	80	48	beam	beam	PROPN
hassl-3617	80	49	.	.	PUNCT
hassl-3617	81	1	all	all	DET
hassl-3617	81	2	rights	right	NOUN
hassl-3617	81	3	reserved	reserve	VERB
hassl-3617	81	4	.	.	PUNCT
hassl-3617	82	1	rights	right	NOUN
hassl-3617	82	2	and	and	CCONJ
hassl-3617	82	3	compensation	compensation	NOUN
hassl-3617	82	4	procedures	procedure	NOUN
hassl-3617	82	5	.	.	PUNCT
hassl-3617	83	1	prasad	prasad	PROPN
hassl-3617	83	2	et	et	PROPN
hassl-3617	83	3	al	al	PROPN
hassl-3617	83	4	.	.	PROPN
hassl-3617	84	1	(	(	PUNCT
hassl-3617	84	2	2018	2018	NUM
hassl-3617	84	3	)	)	PUNCT
hassl-3617	84	4	established	establish	VERB
hassl-3617	84	5	a	a	DET
hassl-3617	84	6	direct	direct	ADJ
hassl-3617	84	7	correlation	correlation	NOUN
hassl-3617	84	8	between	between	ADP
hassl-3617	84	9	dfl	dfl	PROPN
hassl-3617	84	10	and	and	CCONJ
hassl-3617	84	11	knowledge	knowledge	NOUN
hassl-3617	84	12	related	relate	VERB
hassl-3617	84	13	to	to	ADP
hassl-3617	84	14	online	online	ADJ
hassl-3617	84	15	purchases	purchase	NOUN
hassl-3617	84	16	,	,	PUNCT
hassl-3617	84	17	online	online	ADJ
hassl-3617	84	18	payments	payment	NOUN
hassl-3617	84	19	,	,	PUNCT
hassl-3617	84	20	and	and	CCONJ
hassl-3617	84	21	online	online	ADJ
hassl-3617	84	22	banking	banking	NOUN
hassl-3617	84	23	systems	system	NOUN
hassl-3617	84	24	.	.	PUNCT
hassl-3617	85	1	meanwhile	meanwhile	ADV
hassl-3617	85	2	,	,	PUNCT
hassl-3617	85	3	setiawan	setiawan	PROPN
hassl-3617	85	4	,	,	PUNCT
hassl-3617	85	5	effendi	effendi	X
hassl-3617	85	6	,	,	PUNCT
hassl-3617	85	7	santoso	santoso	NOUN
hassl-3617	85	8	,	,	PUNCT
hassl-3617	85	9	dewi	dewi	PROPN
hassl-3617	85	10	,	,	PUNCT
hassl-3617	85	11	and	and	CCONJ
hassl-3617	85	12	sapulette	sapulette	PROPN
hassl-3617	85	13	(	(	PUNCT
hassl-3617	85	14	2022	2022	NUM
hassl-3617	85	15	)	)	PUNCT
hassl-3617	85	16	conducted	conduct	VERB
hassl-3617	85	17	a	a	DET
hassl-3617	85	18	study	study	NOUN
hassl-3617	85	19	on	on	ADP
hassl-3617	85	20	dfl	dfl	PROPN
hassl-3617	85	21	,	,	PUNCT
hassl-3617	85	22	specifically	specifically	ADV
hassl-3617	85	23	investigating	investigate	VERB
hassl-3617	85	24	its	its	PRON
hassl-3617	85	25	impact	impact	NOUN
hassl-3617	85	26	on	on	ADP
hassl-3617	85	27	the	the	DET
hassl-3617	85	28	savings	saving	NOUN
hassl-3617	85	29	behavior	behavior	NOUN
hassl-3617	85	30	of	of	ADP
hassl-3617	85	31	millennials	millennial	NOUN
hassl-3617	85	32	in	in	ADP
hassl-3617	85	33	indonesia	indonesia	PROPN
hassl-3617	85	34	.	.	PUNCT
hassl-3617	86	1	their	their	PRON
hassl-3617	86	2	study	study	NOUN
hassl-3617	86	3	emphasized	emphasize	VERB
hassl-3617	86	4	the	the	DET
hassl-3617	86	5	measurement	measurement	NOUN
hassl-3617	86	6	of	of	ADP
hassl-3617	86	7	dfl	dfl	PROPN
hassl-3617	86	8	through	through	ADP
hassl-3617	86	9	four	four	NUM
hassl-3617	86	10	components	component	NOUN
hassl-3617	86	11	pertaining	pertain	VERB
hassl-3617	86	12	to	to	ADP
hassl-3617	86	13	digital	digital	ADJ
hassl-3617	86	14	financial	financial	ADJ
hassl-3617	86	15	products	product	NOUN
hassl-3617	86	16	and	and	CCONJ
hassl-3617	86	17	services	service	NOUN
hassl-3617	86	18	,	,	PUNCT
hassl-3617	86	19	including	include	VERB
hassl-3617	86	20	knowledge	knowledge	NOUN
hassl-3617	86	21	,	,	PUNCT
hassl-3617	86	22	experience	experience	NOUN
hassl-3617	86	23	,	,	PUNCT
hassl-3617	86	24	risk	risk	NOUN
hassl-3617	86	25	awareness	awareness	NOUN
hassl-3617	86	26	,	,	PUNCT
hassl-3617	86	27	and	and	CCONJ
hassl-3617	86	28	the	the	DET
hassl-3617	86	29	skills	skill	NOUN
hassl-3617	86	30	required	require	VERB
hassl-3617	86	31	to	to	PART
hassl-3617	86	32	regulate	regulate	VERB
hassl-3617	86	33	and	and	CCONJ
hassl-3617	86	34	manage	manage	VERB
hassl-3617	86	35	digital	digital	ADJ
hassl-3617	86	36	financial	financial	ADJ
hassl-3617	86	37	activities	activity	NOUN
hassl-3617	86	38	.	.	PUNCT
hassl-3617	87	1	2.3	2.3	NUM
hassl-3617	87	2	.	.	PUNCT
hassl-3617	87	3	hypotheses	hypothese	VERB
hassl-3617	87	4	development	development	NOUN
hassl-3617	87	5	2.3.1	2.3.1	NUM
hassl-3617	87	6	.	.	PUNCT
hassl-3617	88	1	the	the	DET
hassl-3617	88	2	impact	impact	NOUN
hassl-3617	88	3	of	of	ADP
hassl-3617	88	4	dfl	dfl	PROPN
hassl-3617	88	5	on	on	ADP
hassl-3617	88	6	dfi	dfi	PROPN
hassl-3617	88	7	asyik	asyik	PROPN
hassl-3617	88	8	,	,	PUNCT
hassl-3617	88	9	wahidahwati	wahidahwati	NOUN
hassl-3617	88	10	,	,	PUNCT
hassl-3617	88	11	laily	laily	ADV
hassl-3617	88	12	,	,	PUNCT
hassl-3617	88	13	and	and	CCONJ
hassl-3617	88	14	wahidahwati	wahidahwati	X
hassl-3617	88	15	(	(	PUNCT
hassl-3617	88	16	2022	2022	NUM
hassl-3617	88	17	)	)	PUNCT
hassl-3617	88	18	conducted	conduct	VERB
hassl-3617	88	19	a	a	DET
hassl-3617	88	20	study	study	NOUN
hassl-3617	88	21	about	about	ADP
hassl-3617	88	22	the	the	DET
hassl-3617	88	23	relationship	relationship	NOUN
hassl-3617	88	24	between	between	ADP
hassl-3617	88	25	financial	financial	ADJ
hassl-3617	88	26	literacy	literacy	NOUN
hassl-3617	88	27	and	and	CCONJ
hassl-3617	88	28	financial	financial	ADJ
hassl-3617	88	29	inclusion	inclusion	NOUN
hassl-3617	88	30	and	and	CCONJ
hassl-3617	88	31	found	find	VERB
hassl-3617	88	32	that	that	SCONJ
hassl-3617	88	33	there	there	PRON
hassl-3617	88	34	is	be	VERB
hassl-3617	88	35	a	a	DET
hassl-3617	88	36	significant	significant	ADJ
hassl-3617	88	37	positive	positive	ADJ
hassl-3617	88	38	impact	impact	NOUN
hassl-3617	88	39	of	of	ADP
hassl-3617	88	40	financial	financial	ADJ
hassl-3617	88	41	literacy	literacy	NOUN
hassl-3617	88	42	on	on	ADP
hassl-3617	88	43	financial	financial	ADJ
hassl-3617	88	44	inclusion	inclusion	NOUN
hassl-3617	88	45	.	.	PUNCT
hassl-3617	89	1	in	in	ADP
hassl-3617	89	2	line	line	NOUN
hassl-3617	89	3	with	with	ADP
hassl-3617	89	4	them	they	PRON
hassl-3617	89	5	,	,	PUNCT
hassl-3617	89	6	shen	shen	PROPN
hassl-3617	89	7	,	,	PUNCT
hassl-3617	89	8	hu	hu	PROPN
hassl-3617	89	9	,	,	PUNCT
hassl-3617	89	10	and	and	CCONJ
hassl-3617	89	11	hueng	hueng	X
hassl-3617	89	12	(	(	PUNCT
hassl-3617	89	13	2018	2018	NUM
hassl-3617	89	14	)	)	PUNCT
hassl-3617	89	15	also	also	ADV
hassl-3617	89	16	stated	state	VERB
hassl-3617	89	17	that	that	SCONJ
hassl-3617	89	18	financial	financial	ADJ
hassl-3617	89	19	literacy	literacy	NOUN
hassl-3617	89	20	is	be	AUX
hassl-3617	89	21	an	an	DET
hassl-3617	89	22	important	important	ADJ
hassl-3617	89	23	factor	factor	NOUN
hassl-3617	89	24	influencing	influence	VERB
hassl-3617	89	25	financial	financial	ADJ
hassl-3617	89	26	inclusion	inclusion	NOUN
hassl-3617	89	27	by	by	ADP
hassl-3617	89	28	mediating	mediate	VERB
hassl-3617	89	29	with	with	ADP
hassl-3617	89	30	digital	digital	ADJ
hassl-3617	89	31	financial	financial	ADJ
hassl-3617	89	32	products	product	NOUN
hassl-3617	89	33	.	.	PUNCT
hassl-3617	90	1	people	people	NOUN
hassl-3617	90	2	who	who	PRON
hassl-3617	90	3	lack	lack	VERB
hassl-3617	90	4	financial	financial	ADJ
hassl-3617	90	5	knowledge	knowledge	NOUN
hassl-3617	90	6	are	be	AUX
hassl-3617	90	7	less	less	ADV
hassl-3617	90	8	likely	likely	ADJ
hassl-3617	90	9	to	to	PART
hassl-3617	90	10	adopt	adopt	VERB
hassl-3617	90	11	internet	internet	NOUN
hassl-3617	90	12	banking	banking	NOUN
hassl-3617	90	13	.	.	PUNCT
hassl-3617	91	1	this	this	DET
hassl-3617	91	2	finding	finding	NOUN
hassl-3617	91	3	of	of	ADP
hassl-3617	91	4	grohmann	grohmann	NOUN
hassl-3617	91	5	and	and	CCONJ
hassl-3617	91	6	menkhoff	menkhoff	NOUN
hassl-3617	91	7	(	(	PUNCT
hassl-3617	91	8	2017	2017	NUM
hassl-3617	91	9	)	)	PUNCT
hassl-3617	91	10	,	,	PUNCT
hassl-3617	91	11	which	which	PRON
hassl-3617	91	12	show	show	VERB
hassl-3617	91	13	that	that	SCONJ
hassl-3617	91	14	a	a	DET
hassl-3617	91	15	nation	nation	NOUN
hassl-3617	91	16	's	's	PART
hassl-3617	91	17	population	population	NOUN
hassl-3617	91	18	with	with	ADP
hassl-3617	91	19	a	a	DET
hassl-3617	91	20	high	high	ADJ
hassl-3617	91	21	level	level	NOUN
hassl-3617	91	22	of	of	ADP
hassl-3617	91	23	financial	financial	ADJ
hassl-3617	91	24	literacy	literacy	NOUN
hassl-3617	91	25	contributes	contribute	VERB
hassl-3617	91	26	significantly	significantly	ADV
hassl-3617	91	27	to	to	ADP
hassl-3617	91	28	enhancing	enhance	VERB
hassl-3617	91	29	financial	financial	ADJ
hassl-3617	91	30	inclusion	inclusion	NOUN
hassl-3617	91	31	,	,	PUNCT
hassl-3617	91	32	support	support	VERB
hassl-3617	91	33	this	this	DET
hassl-3617	91	34	conclusion	conclusion	NOUN
hassl-3617	91	35	.	.	PUNCT
hassl-3617	92	1	this	this	DET
hassl-3617	92	2	impact	impact	NOUN
hassl-3617	92	3	is	be	AUX
hassl-3617	92	4	statistically	statistically	ADV
hassl-3617	92	5	robust	robust	ADJ
hassl-3617	92	6	and	and	CCONJ
hassl-3617	92	7	surpasses	surpass	VERB
hassl-3617	92	8	the	the	DET
hassl-3617	92	9	influence	influence	NOUN
hassl-3617	92	10	of	of	ADP
hassl-3617	92	11	a	a	DET
hassl-3617	92	12	well	well	ADV
hassl-3617	92	13	-	-	PUNCT
hassl-3617	92	14	established	establish	VERB
hassl-3617	92	15	financial	financial	ADJ
hassl-3617	92	16	infrastructure	infrastructure	NOUN
hassl-3617	92	17	.	.	PUNCT
hassl-3617	93	1	furthermore	furthermore	ADV
hassl-3617	93	2	,	,	PUNCT
hassl-3617	93	3	the	the	DET
hassl-3617	93	4	study	study	NOUN
hassl-3617	93	5	indicates	indicate	VERB
hassl-3617	93	6	that	that	SCONJ
hassl-3617	93	7	,	,	PUNCT
hassl-3617	93	8	when	when	SCONJ
hassl-3617	93	9	considering	consider	VERB
hassl-3617	93	10	the	the	DET
hassl-3617	93	11	utilization	utilization	NOUN
hassl-3617	93	12	of	of	ADP
hassl-3617	93	13	financial	financial	ADJ
hassl-3617	93	14	products	product	NOUN
hassl-3617	93	15	,	,	PUNCT
hassl-3617	93	16	financial	financial	ADJ
hassl-3617	93	17	literacy	literacy	NOUN
hassl-3617	93	18	strengthens	strengthen	VERB
hassl-3617	93	19	the	the	DET
hassl-3617	93	20	impact	impact	NOUN
hassl-3617	93	21	of	of	ADP
hassl-3617	93	22	a	a	DET
hassl-3617	93	23	stable	stable	ADJ
hassl-3617	93	24	financial	financial	ADJ
hassl-3617	93	25	infrastructure	infrastructure	NOUN
hassl-3617	93	26	.	.	PUNCT
hassl-3617	94	1	in	in	ADP
hassl-3617	94	2	countries	country	NOUN
hassl-3617	94	3	with	with	ADP
hassl-3617	94	4	less	less	ADV
hassl-3617	94	5	developed	developed	ADJ
hassl-3617	94	6	financial	financial	ADJ
hassl-3617	94	7	infrastructures	infrastructure	NOUN
hassl-3617	94	8	,	,	PUNCT
hassl-3617	94	9	financial	financial	ADJ
hassl-3617	94	10	literacy	literacy	NOUN
hassl-3617	94	11	can	can	AUX
hassl-3617	94	12	also	also	ADV
hassl-3617	94	13	enhance	enhance	VERB
hassl-3617	94	14	access	access	NOUN
hassl-3617	94	15	to	to	ADP
hassl-3617	94	16	financial	financial	ADJ
hassl-3617	94	17	products	product	NOUN
hassl-3617	94	18	.	.	PUNCT
hassl-3617	95	1	another	another	DET
hassl-3617	95	2	study	study	NOUN
hassl-3617	95	3	found	find	VERB
hassl-3617	95	4	that	that	SCONJ
hassl-3617	95	5	financial	financial	ADJ
hassl-3617	95	6	knowledge	knowledge	NOUN
hassl-3617	95	7	is	be	AUX
hassl-3617	95	8	a	a	DET
hassl-3617	95	9	prerequisite	prerequisite	NOUN
hassl-3617	95	10	for	for	ADP
hassl-3617	95	11	someone	someone	PRON
hassl-3617	95	12	using	use	VERB
hassl-3617	95	13	digital	digital	ADJ
hassl-3617	95	14	financial	financial	ADJ
hassl-3617	95	15	services	service	NOUN
hassl-3617	95	16	(	(	PUNCT
hassl-3617	95	17	königsheim	königsheim	PROPN
hassl-3617	95	18	,	,	PUNCT
hassl-3617	95	19	lukas	lukas	NOUN
hassl-3617	95	20	,	,	PUNCT
hassl-3617	95	21	&	&	CCONJ
hassl-3617	95	22	nöth	nöth	PROPN
hassl-3617	95	23	,	,	PUNCT
hassl-3617	95	24	2017	2017	NUM
hassl-3617	95	25	)	)	PUNCT
hassl-3617	95	26	.	.	PUNCT
hassl-3617	96	1	drawing	draw	VERB
hassl-3617	96	2	from	from	ADP
hassl-3617	96	3	these	these	DET
hassl-3617	96	4	research	research	NOUN
hassl-3617	96	5	findings	finding	NOUN
hassl-3617	96	6	,	,	PUNCT
hassl-3617	96	7	the	the	DET
hassl-3617	96	8	hypothesis	hypothesis	NOUN
hassl-3617	96	9	is	be	AUX
hassl-3617	96	10	formulated	formulate	VERB
hassl-3617	96	11	as	as	SCONJ
hassl-3617	96	12	follows	follow	VERB
hassl-3617	96	13	:	:	PUNCT
hassl-3617	96	14	h1	h1	NOUN
hassl-3617	96	15	:	:	PUNCT
hassl-3617	96	16	there	there	PRON
hassl-3617	96	17	is	be	VERB
hassl-3617	96	18	a	a	DET
hassl-3617	96	19	positive	positive	ADJ
hassl-3617	96	20	impact	impact	NOUN
hassl-3617	96	21	of	of	ADP
hassl-3617	96	22	dfl	dfl	PROPN
hassl-3617	96	23	on	on	ADP
hassl-3617	96	24	dfi	dfi	PROPN
hassl-3617	96	25	.	.	PROPN
hassl-3617	96	26	2.3.2	2.3.2	NUM
hassl-3617	96	27	.	.	PUNCT
hassl-3617	97	1	the	the	DET
hassl-3617	97	2	different	different	ADJ
hassl-3617	97	3	impact	impact	NOUN
hassl-3617	97	4	of	of	ADP
hassl-3617	97	5	dfl	dfl	PROPN
hassl-3617	97	6	on	on	ADP
hassl-3617	97	7	dfi	dfi	PROPN
hassl-3617	97	8	based	base	VERB
hassl-3617	97	9	on	on	ADP
hassl-3617	97	10	gender	gender	PROPN
hassl-3617	97	11	koomson	koomson	PROPN
hassl-3617	97	12	,	,	PUNCT
hassl-3617	97	13	villano	villano	PROPN
hassl-3617	97	14	,	,	PUNCT
hassl-3617	97	15	and	and	CCONJ
hassl-3617	97	16	hadley	hadley	PROPN
hassl-3617	97	17	(	(	PUNCT
hassl-3617	97	18	2020	2020	NUM
hassl-3617	97	19	)	)	PUNCT
hassl-3617	97	20	investigated	investigate	VERB
hassl-3617	97	21	how	how	SCONJ
hassl-3617	97	22	financial	financial	ADJ
hassl-3617	97	23	literacy	literacy	NOUN
hassl-3617	97	24	training	training	NOUN
hassl-3617	97	25	influenced	influence	VERB
hassl-3617	97	26	financial	financial	ADJ
hassl-3617	97	27	inclusion	inclusion	NOUN
hassl-3617	97	28	and	and	CCONJ
hassl-3617	97	29	its	its	PRON
hassl-3617	97	30	depth	depth	NOUN
hassl-3617	97	31	.	.	PUNCT
hassl-3617	98	1	they	they	PRON
hassl-3617	98	2	collected	collect	VERB
hassl-3617	98	3	data	datum	NOUN
hassl-3617	98	4	through	through	ADP
hassl-3617	98	5	a	a	DET
hassl-3617	98	6	randomized	randomized	ADJ
hassl-3617	98	7	controlled	control	VERB
hassl-3617	98	8	trial	trial	NOUN
hassl-3617	98	9	and	and	CCONJ
hassl-3617	98	10	found	find	VERB
hassl-3617	98	11	that	that	SCONJ
hassl-3617	98	12	the	the	DET
hassl-3617	98	13	impact	impact	NOUN
hassl-3617	98	14	of	of	ADP
hassl-3617	98	15	financial	financial	ADJ
hassl-3617	98	16	literacy	literacy	NOUN
hassl-3617	98	17	training	training	NOUN
hassl-3617	98	18	was	be	AUX
hassl-3617	98	19	significant	significant	ADJ
hassl-3617	98	20	in	in	ADP
hassl-3617	98	21	terms	term	NOUN
hassl-3617	98	22	of	of	ADP
hassl-3617	98	23	women	woman	NOUN
hassl-3617	98	24	-	-	PUNCT
hassl-3617	98	25	headed	head	VERB
hassl-3617	98	26	households	household	NOUN
hassl-3617	98	27	owning	own	VERB
hassl-3617	98	28	bank	bank	NOUN
hassl-3617	98	29	accounts	account	NOUN
hassl-3617	98	30	.	.	PUNCT
hassl-3617	99	1	in	in	ADP
hassl-3617	99	2	contrast	contrast	NOUN
hassl-3617	99	3	,	,	PUNCT
hassl-3617	99	4	households	household	NOUN
hassl-3617	99	5	with	with	ADP
hassl-3617	99	6	male	male	ADJ
hassl-3617	99	7	beneficiaries	beneficiary	NOUN
hassl-3617	99	8	saw	see	VERB
hassl-3617	99	9	an	an	DET
hassl-3617	99	10	impact	impact	NOUN
hassl-3617	99	11	on	on	ADP
hassl-3617	99	12	their	their	PRON
hassl-3617	99	13	savings	saving	NOUN
hassl-3617	99	14	habits	habit	NOUN
hassl-3617	99	15	and	and	CCONJ
hassl-3617	99	16	their	their	PRON
hassl-3617	99	17	ability	ability	NOUN
hassl-3617	99	18	to	to	PART
hassl-3617	99	19	receive	receive	VERB
hassl-3617	99	20	financial	financial	ADJ
hassl-3617	99	21	assistance	assistance	NOUN
hassl-3617	99	22	.	.	PUNCT
hassl-3617	100	1	moreover	moreover	ADV
hassl-3617	100	2	,	,	PUNCT
hassl-3617	100	3	those	those	PRON
hassl-3617	100	4	who	who	PRON
hassl-3617	100	5	received	receive	VERB
hassl-3617	100	6	financial	financial	ADJ
hassl-3617	100	7	literacy	literacy	NOUN
hassl-3617	100	8	training	training	NOUN
hassl-3617	100	9	were	be	AUX
hassl-3617	100	10	more	more	ADV
hassl-3617	100	11	likely	likely	ADJ
hassl-3617	100	12	to	to	PART
hassl-3617	100	13	improve	improve	VERB
hassl-3617	100	14	their	their	PRON
hassl-3617	100	15	financial	financial	ADJ
hassl-3617	100	16	inclusion	inclusion	NOUN
hassl-3617	100	17	,	,	PUNCT
hassl-3617	100	18	and	and	CCONJ
hassl-3617	100	19	this	this	DET
hassl-3617	100	20	improvement	improvement	NOUN
hassl-3617	100	21	was	be	AUX
hassl-3617	100	22	more	more	ADV
hassl-3617	100	23	pronounced	pronounced	ADJ
hassl-3617	100	24	among	among	ADP
hassl-3617	100	25	households	household	NOUN
hassl-3617	100	26	headed	head	VERB
hassl-3617	100	27	by	by	ADP
hassl-3617	100	28	men	man	NOUN
hassl-3617	100	29	and	and	CCONJ
hassl-3617	100	30	younger	young	ADJ
hassl-3617	100	31	beneficiaries	beneficiary	NOUN
hassl-3617	100	32	.	.	PUNCT
hassl-3617	101	1	these	these	DET
hassl-3617	101	2	findings	finding	NOUN
hassl-3617	101	3	highlight	highlight	VERB
hassl-3617	101	4	that	that	SCONJ
hassl-3617	101	5	the	the	DET
hassl-3617	101	6	impact	impact	NOUN
hassl-3617	101	7	of	of	ADP
hassl-3617	101	8	financial	financial	ADJ
hassl-3617	101	9	literacy	literacy	NOUN
hassl-3617	101	10	on	on	ADP
hassl-3617	101	11	financial	financial	ADJ
hassl-3617	101	12	inclusion	inclusion	NOUN
hassl-3617	101	13	varies	vary	VERB
hassl-3617	101	14	by	by	ADP
hassl-3617	101	15	gender	gender	NOUN
hassl-3617	101	16	.	.	PUNCT
hassl-3617	102	1	in	in	ADP
hassl-3617	102	2	a	a	DET
hassl-3617	102	3	separate	separate	ADJ
hassl-3617	102	4	study	study	NOUN
hassl-3617	102	5	by	by	ADP
hassl-3617	102	6	hasan	hasan	PROPN
hassl-3617	102	7	,	,	PUNCT
hassl-3617	102	8	ashfaq	ashfaq	PROPN
hassl-3617	102	9	,	,	PUNCT
hassl-3617	102	10	parveen	parveen	PROPN
hassl-3617	102	11	,	,	PUNCT
hassl-3617	102	12	and	and	CCONJ
hassl-3617	102	13	gunardi	gunardi	PROPN
hassl-3617	102	14	(	(	PUNCT
hassl-3617	102	15	2023	2023	NUM
hassl-3617	102	16	)	)	PUNCT
hassl-3617	102	17	,	,	PUNCT
hassl-3617	102	18	they	they	PRON
hassl-3617	102	19	explored	explore	VERB
hassl-3617	102	20	the	the	DET
hassl-3617	102	21	influence	influence	NOUN
hassl-3617	102	22	of	of	ADP
hassl-3617	102	23	digital	digital	ADJ
hassl-3617	102	24	financial	financial	ADJ
hassl-3617	102	25	literacy	literacy	NOUN
hassl-3617	102	26	(	(	PUNCT
hassl-3617	102	27	dfl	dfl	PROPN
hassl-3617	102	28	)	)	PUNCT
hassl-3617	102	29	on	on	ADP
hassl-3617	102	30	the	the	DET
hassl-3617	102	31	financial	financial	ADJ
hassl-3617	102	32	inclusion	inclusion	NOUN
hassl-3617	102	33	of	of	ADP
hassl-3617	102	34	women	woman	NOUN
hassl-3617	102	35	entrepreneurs	entrepreneur	NOUN
hassl-3617	102	36	.	.	PUNCT
hassl-3617	103	1	their	their	PRON
hassl-3617	103	2	research	research	NOUN
hassl-3617	103	3	revealed	reveal	VERB
hassl-3617	103	4	that	that	SCONJ
hassl-3617	103	5	women	woman	NOUN
hassl-3617	103	6	who	who	PRON
hassl-3617	103	7	had	have	VERB
hassl-3617	103	8	a	a	DET
hassl-3617	103	9	higher	high	ADJ
hassl-3617	103	10	level	level	NOUN
hassl-3617	103	11	of	of	ADP
hassl-3617	103	12	dfl	dfl	PROPN
hassl-3617	103	13	tended	tend	VERB
hassl-3617	103	14	to	to	PART
hassl-3617	103	15	actively	actively	ADV
hassl-3617	103	16	use	use	VERB
hassl-3617	103	17	or	or	CCONJ
hassl-3617	103	18	commit	commit	VERB
hassl-3617	103	19	to	to	ADP
hassl-3617	103	20	using	use	VERB
hassl-3617	103	21	financial	financial	ADJ
hassl-3617	103	22	products	product	NOUN
hassl-3617	103	23	and	and	CCONJ
hassl-3617	103	24	services	service	NOUN
hassl-3617	103	25	offered	offer	VERB
hassl-3617	103	26	by	by	ADP
hassl-3617	103	27	formal	formal	ADJ
hassl-3617	103	28	financial	financial	ADJ
hassl-3617	103	29	institutions	institution	NOUN
hassl-3617	103	30	.	.	PUNCT
hassl-3617	104	1	while	while	SCONJ
hassl-3617	104	2	several	several	ADJ
hassl-3617	104	3	studies	study	NOUN
hassl-3617	104	4	highlighted	highlight	VERB
hassl-3617	104	5	gender	gender	NOUN
hassl-3617	104	6	and	and	CCONJ
hassl-3617	104	7	financial	financial	ADJ
hassl-3617	104	8	inclusion	inclusion	NOUN
hassl-3617	104	9	and	and	CCONJ
hassl-3617	104	10	found	find	VERB
hassl-3617	104	11	that	that	SCONJ
hassl-3617	104	12	women	woman	NOUN
hassl-3617	104	13	dominantly	dominantly	ADV
hassl-3617	104	14	use	use	VERB
hassl-3617	104	15	digital	digital	ADJ
hassl-3617	104	16	financial	financial	ADJ
hassl-3617	104	17	inclusion	inclusion	NOUN
hassl-3617	104	18	for	for	ADP
hassl-3617	104	19	credit	credit	NOUN
hassl-3617	104	20	and	and	CCONJ
hassl-3617	104	21	microfinance	microfinance	NOUN
hassl-3617	104	22	activity	activity	NOUN
hassl-3617	104	23	,	,	PUNCT
hassl-3617	104	24	or	or	CCONJ
hassl-3617	104	25	entrepreneurship	entrepreneurship	NOUN
hassl-3617	104	26	activity	activity	NOUN
hassl-3617	104	27	by	by	ADP
hassl-3617	104	28	women	woman	NOUN
hassl-3617	104	29	entrepreneurs	entrepreneur	NOUN
hassl-3617	104	30	who	who	PRON
hassl-3617	104	31	run	run	VERB
hassl-3617	104	32	their	their	PRON
hassl-3617	104	33	online	online	ADJ
hassl-3617	104	34	businesses	business	NOUN
hassl-3617	104	35	,	,	PUNCT
hassl-3617	104	36	especially	especially	ADV
hassl-3617	104	37	in	in	ADP
hassl-3617	104	38	saudi	saudi	PROPN
hassl-3617	104	39	arabia	arabia	PROPN
hassl-3617	104	40	(	(	PUNCT
hassl-3617	104	41	arnold	arnold	PROPN
hassl-3617	104	42	&	&	CCONJ
hassl-3617	104	43	gammage	gammage	PROPN
hassl-3617	104	44	,	,	PUNCT
hassl-3617	104	45	2019	2019	NUM
hassl-3617	104	46	;	;	PUNCT
hassl-3617	104	47	gammage	gammage	NOUN
hassl-3617	104	48	et	et	NOUN
hassl-3617	104	49	al	al	PROPN
hassl-3617	104	50	.	.	PROPN
hassl-3617	104	51	,	,	PUNCT
hassl-3617	104	52	2017	2017	NUM
hassl-3617	104	53	)	)	PUNCT
hassl-3617	104	54	.	.	PUNCT
hassl-3617	105	1	refering	refer	VERB
hassl-3617	105	2	to	to	ADP
hassl-3617	105	3	this	this	DET
hassl-3617	105	4	literature	literature	NOUN
hassl-3617	105	5	,	,	PUNCT
hassl-3617	105	6	the	the	DET
hassl-3617	105	7	hypothesis	hypothesis	NOUN
hassl-3617	105	8	is	be	AUX
hassl-3617	105	9	developed	develop	VERB
hassl-3617	105	10	as	as	SCONJ
hassl-3617	105	11	follows	follow	VERB
hassl-3617	105	12	:	:	PUNCT
hassl-3617	105	13	h2	h2	NOUN
hassl-3617	105	14	:	:	PUNCT
hassl-3617	105	15	there	there	PRON
hassl-3617	105	16	is	be	VERB
hassl-3617	105	17	a	a	DET
hassl-3617	105	18	different	different	ADJ
hassl-3617	105	19	impact	impact	NOUN
hassl-3617	105	20	of	of	ADP
hassl-3617	105	21	dfl	dfl	PROPN
hassl-3617	105	22	on	on	ADP
hassl-3617	105	23	dfi	dfi	PROPN
hassl-3617	105	24	between	between	ADP
hassl-3617	105	25	males	male	NOUN
hassl-3617	105	26	and	and	CCONJ
hassl-3617	105	27	females	female	NOUN
hassl-3617	105	28	.	.	PUNCT
hassl-3617	106	1	3	3	X
hassl-3617	106	2	.	.	X
hassl-3617	106	3	research	research	NOUN
hassl-3617	106	4	method	method	NOUN
hassl-3617	106	5	to	to	PART
hassl-3617	106	6	examine	examine	VERB
hassl-3617	106	7	whether	whether	SCONJ
hassl-3617	106	8	there	there	PRON
hassl-3617	106	9	was	be	VERB
hassl-3617	106	10	a	a	DET
hassl-3617	106	11	different	different	ADJ
hassl-3617	106	12	impact	impact	NOUN
hassl-3617	106	13	of	of	ADP
hassl-3617	106	14	dfl	dfl	PROPN
hassl-3617	106	15	on	on	ADP
hassl-3617	106	16	dfi	dfi	PROPN
hassl-3617	106	17	between	between	ADP
hassl-3617	106	18	males	male	NOUN
hassl-3617	106	19	and	and	CCONJ
hassl-3617	106	20	females	female	NOUN
hassl-3617	106	21	,	,	PUNCT
hassl-3617	106	22	this	this	DET
hassl-3617	106	23	study	study	NOUN
hassl-3617	106	24	employed	employ	VERB
hassl-3617	106	25	partial	partial	ADJ
hassl-3617	106	26	least	least	ADJ
hassl-3617	106	27	squares	square	NOUN
hassl-3617	106	28	–	–	PUNCT
hassl-3617	106	29	multi	multi	ADJ
hassl-3617	106	30	-	-	ADJ
hassl-3617	106	31	group	group	NOUN
hassl-3617	106	32	analysis	analysis	NOUN
hassl-3617	106	33	(	(	PUNCT
hassl-3617	106	34	pls	pls	INTJ
hassl-3617	106	35	-	-	PUNCT
hassl-3617	106	36	mga	mga	PROPN
hassl-3617	106	37	)	)	PUNCT
hassl-3617	106	38	.	.	PUNCT
hassl-3617	107	1	pls	pls	PROPN
hassl-3617	107	2	-	-	PUNCT
hassl-3617	107	3	mga	mga	PROPN
hassl-3617	107	4	is	be	AUX
hassl-3617	107	5	a	a	DET
hassl-3617	107	6	statistical	statistical	ADJ
hassl-3617	107	7	technique	technique	NOUN
hassl-3617	107	8	used	use	VERB
hassl-3617	107	9	humanities	humanity	NOUN
hassl-3617	107	10	and	and	CCONJ
hassl-3617	107	11	social	social	ADJ
hassl-3617	107	12	sciences	science	NOUN
hassl-3617	107	13	letters	letter	NOUN
hassl-3617	107	14	,	,	PUNCT
hassl-3617	107	15	2024	2024	NUM
hassl-3617	107	16	,	,	PUNCT
hassl-3617	107	17	12(1	12(1	NUM
hassl-3617	107	18	):	):	PUNCT
hassl-3617	107	19	33	33	NUM
hassl-3617	107	20	-	-	SYM
hassl-3617	107	21	42	42	NUM
hassl-3617	107	22	37	37	NUM
hassl-3617	107	23	©	©	PROPN
hassl-3617	107	24	2024	2024	NUM
hassl-3617	107	25	conscientia	conscientia	PROPN
hassl-3617	107	26	beam	beam	PROPN
hassl-3617	107	27	.	.	PUNCT
hassl-3617	108	1	all	all	DET
hassl-3617	108	2	rights	right	NOUN
hassl-3617	108	3	reserved	reserve	VERB
hassl-3617	108	4	.	.	PUNCT
hassl-3617	109	1	in	in	ADP
hassl-3617	109	2	structural	structural	ADJ
hassl-3617	109	3	equation	equation	NOUN
hassl-3617	109	4	modeling	modeling	NOUN
hassl-3617	109	5	(	(	PUNCT
hassl-3617	109	6	sem	sem	NOUN
hassl-3617	109	7	)	)	PUNCT
hassl-3617	109	8	to	to	PART
hassl-3617	109	9	assess	assess	VERB
hassl-3617	109	10	and	and	CCONJ
hassl-3617	109	11	compare	compare	VERB
hassl-3617	109	12	the	the	DET
hassl-3617	109	13	structural	structural	ADJ
hassl-3617	109	14	relationships	relationship	NOUN
hassl-3617	109	15	between	between	ADP
hassl-3617	109	16	latent	latent	NOUN
hassl-3617	109	17	variables	variable	NOUN
hassl-3617	109	18	in	in	ADP
hassl-3617	109	19	different	different	ADJ
hassl-3617	109	20	groups	group	NOUN
hassl-3617	109	21	.	.	PUNCT
hassl-3617	110	1	it	it	PRON
hassl-3617	110	2	's	be	AUX
hassl-3617	110	3	particularly	particularly	ADV
hassl-3617	110	4	valuable	valuable	ADJ
hassl-3617	110	5	to	to	PART
hassl-3617	110	6	investigate	investigate	VERB
hassl-3617	110	7	whether	whether	SCONJ
hassl-3617	110	8	these	these	DET
hassl-3617	110	9	relationships	relationship	NOUN
hassl-3617	110	10	differ	differ	VERB
hassl-3617	110	11	across	across	ADP
hassl-3617	110	12	various	various	ADJ
hassl-3617	110	13	subgroups	subgroup	NOUN
hassl-3617	110	14	,	,	PUNCT
hassl-3617	110	15	such	such	ADJ
hassl-3617	110	16	as	as	ADP
hassl-3617	110	17	genders	gender	NOUN
hassl-3617	110	18	,	,	PUNCT
hassl-3617	110	19	age	age	NOUN
hassl-3617	110	20	groups	group	NOUN
hassl-3617	110	21	,	,	PUNCT
hassl-3617	110	22	or	or	CCONJ
hassl-3617	110	23	other	other	ADJ
hassl-3617	110	24	demographic	demographic	ADJ
hassl-3617	110	25	categories	category	NOUN
hassl-3617	110	26	.	.	PUNCT
hassl-3617	111	1	in	in	ADP
hassl-3617	111	2	pls	pls	PROPN
hassl-3617	111	3	-	-	PUNCT
hassl-3617	111	4	mga	mga	PROPN
hassl-3617	111	5	,	,	PUNCT
hassl-3617	111	6	the	the	DET
hassl-3617	111	7	focus	focus	NOUN
hassl-3617	111	8	is	be	AUX
hassl-3617	111	9	on	on	ADP
hassl-3617	111	10	examining	examine	VERB
hassl-3617	111	11	the	the	DET
hassl-3617	111	12	moderation	moderation	NOUN
hassl-3617	111	13	effects	effect	NOUN
hassl-3617	111	14	of	of	ADP
hassl-3617	111	15	group	group	NOUN
hassl-3617	111	16	differences	difference	NOUN
hassl-3617	111	17	on	on	ADP
hassl-3617	111	18	the	the	DET
hassl-3617	111	19	relationships	relationship	NOUN
hassl-3617	111	20	between	between	ADP
hassl-3617	111	21	latent	latent	NOUN
hassl-3617	111	22	variables	variable	NOUN
hassl-3617	111	23	(	(	PUNCT
hassl-3617	111	24	chin	chin	PROPN
hassl-3617	111	25	,	,	PUNCT
hassl-3617	111	26	lo	lo	PROPN
hassl-3617	111	27	,	,	PUNCT
hassl-3617	111	28	razak	razak	NOUN
hassl-3617	111	29	,	,	PUNCT
hassl-3617	111	30	pasbakhsh	pasbakhsh	NOUN
hassl-3617	111	31	,	,	PUNCT
hassl-3617	111	32	&	&	CCONJ
hassl-3617	111	33	mohamad	mohamad	PROPN
hassl-3617	111	34	,	,	PUNCT
hassl-3617	111	35	2020	2020	NUM
hassl-3617	111	36	;	;	PUNCT
hassl-3617	111	37	yaw	yaw	PROPN
hassl-3617	111	38	,	,	PUNCT
hassl-3617	111	39	tan	tan	PROPN
hassl-3617	111	40	,	,	PUNCT
hassl-3617	111	41	foo	foo	NOUN
hassl-3617	111	42	,	,	PUNCT
hassl-3617	111	43	leong	leong	PROPN
hassl-3617	111	44	,	,	PUNCT
hassl-3617	111	45	&	&	CCONJ
hassl-3617	111	46	ooi	ooi	PROPN
hassl-3617	111	47	,	,	PUNCT
hassl-3617	111	48	2022	2022	NUM
hassl-3617	111	49	)	)	PUNCT
hassl-3617	111	50	.	.	PUNCT
hassl-3617	112	1	this	this	DET
hassl-3617	112	2	method	method	NOUN
hassl-3617	112	3	was	be	AUX
hassl-3617	112	4	appropriate	appropriate	ADJ
hassl-3617	112	5	to	to	PART
hassl-3617	112	6	compare	compare	VERB
hassl-3617	112	7	the	the	DET
hassl-3617	112	8	impact	impact	NOUN
hassl-3617	112	9	of	of	ADP
hassl-3617	112	10	dfl	dfl	PROPN
hassl-3617	112	11	on	on	ADP
hassl-3617	112	12	dfi	dfi	PROPN
hassl-3617	112	13	based	base	VERB
hassl-3617	112	14	on	on	ADP
hassl-3617	112	15	gender	gender	NOUN
hassl-3617	112	16	by	by	ADP
hassl-3617	112	17	considering	consider	VERB
hassl-3617	112	18	that	that	SCONJ
hassl-3617	112	19	the	the	DET
hassl-3617	112	20	instrument	instrument	NOUN
hassl-3617	112	21	of	of	ADP
hassl-3617	112	22	variables	variable	NOUN
hassl-3617	112	23	was	be	AUX
hassl-3617	112	24	measured	measure	VERB
hassl-3617	112	25	using	use	VERB
hassl-3617	112	26	a	a	DET
hassl-3617	112	27	different	different	ADJ
hassl-3617	112	28	scale	scale	NOUN
hassl-3617	112	29	(	(	PUNCT
hassl-3617	112	30	hair	hair	NOUN
hassl-3617	112	31	,	,	PUNCT
hassl-3617	112	32	risher	risher	ADV
hassl-3617	112	33	,	,	PUNCT
hassl-3617	112	34	sarstedt	sarstedt	NOUN
hassl-3617	112	35	,	,	PUNCT
hassl-3617	112	36	&	&	CCONJ
hassl-3617	112	37	ringle	ringle	PROPN
hassl-3617	112	38	,	,	PUNCT
hassl-3617	112	39	2019	2019	NUM
hassl-3617	112	40	)	)	PUNCT
hassl-3617	112	41	.	.	PUNCT
hassl-3617	113	1	in	in	ADP
hassl-3617	113	2	our	our	PRON
hassl-3617	113	3	current	current	ADJ
hassl-3617	113	4	study	study	NOUN
hassl-3617	113	5	,	,	PUNCT
hassl-3617	113	6	we	we	PRON
hassl-3617	113	7	employ	employ	VERB
hassl-3617	113	8	plsmga	plsmga	PROPN
hassl-3617	113	9	to	to	PART
hassl-3617	113	10	extend	extend	VERB
hassl-3617	113	11	upon	upon	SCONJ
hassl-3617	113	12	prior	prior	ADJ
hassl-3617	113	13	research	research	NOUN
hassl-3617	113	14	in	in	ADP
hassl-3617	113	15	several	several	ADJ
hassl-3617	113	16	ways	way	NOUN
hassl-3617	113	17	:	:	PUNCT
hassl-3617	113	18	(	(	PUNCT
hassl-3617	113	19	1	1	X
hassl-3617	113	20	)	)	PUNCT
hassl-3617	113	21	group	group	NOUN
hassl-3617	113	22	-	-	PUNCT
hassl-3617	113	23	specific	specific	ADJ
hassl-3617	113	24	analysis	analysis	NOUN
hassl-3617	113	25	:	:	PUNCT
hassl-3617	113	26	unlike	unlike	ADP
hassl-3617	113	27	prior	prior	ADJ
hassl-3617	113	28	research	research	NOUN
hassl-3617	113	29	that	that	PRON
hassl-3617	113	30	treated	treat	VERB
hassl-3617	113	31	all	all	DET
hassl-3617	113	32	groups	group	NOUN
hassl-3617	113	33	uniformly	uniformly	ADV
hassl-3617	113	34	,	,	PUNCT
hassl-3617	113	35	we	we	PRON
hassl-3617	113	36	use	use	VERB
hassl-3617	113	37	pls	pls	NOUN
hassl-3617	113	38	-	-	PUNCT
hassl-3617	113	39	mga	mga	PROPN
hassl-3617	113	40	to	to	PART
hassl-3617	113	41	examine	examine	VERB
hassl-3617	113	42	how	how	SCONJ
hassl-3617	113	43	the	the	DET
hassl-3617	113	44	relationships	relationship	NOUN
hassl-3617	113	45	between	between	ADP
hassl-3617	113	46	variables	variable	NOUN
hassl-3617	113	47	differ	differ	VERB
hassl-3617	113	48	across	across	ADP
hassl-3617	113	49	specific	specific	ADJ
hassl-3617	113	50	groups	group	NOUN
hassl-3617	113	51	.	.	PUNCT
hassl-3617	114	1	(	(	PUNCT
hassl-3617	114	2	2	2	X
hassl-3617	114	3	)	)	PUNCT
hassl-3617	114	4	moderation	moderation	NOUN
hassl-3617	114	5	insights	insight	NOUN
hassl-3617	114	6	:	:	PUNCT
hassl-3617	114	7	our	our	PRON
hassl-3617	114	8	approach	approach	NOUN
hassl-3617	114	9	helps	help	VERB
hassl-3617	114	10	us	we	PRON
hassl-3617	114	11	uncover	uncover	VERB
hassl-3617	114	12	if	if	SCONJ
hassl-3617	114	13	there	there	PRON
hassl-3617	114	14	are	be	VERB
hassl-3617	114	15	moderating	moderate	VERB
hassl-3617	114	16	effects	effect	NOUN
hassl-3617	114	17	of	of	ADP
hassl-3617	114	18	certain	certain	ADJ
hassl-3617	114	19	demographic	demographic	ADJ
hassl-3617	114	20	factors	factor	NOUN
hassl-3617	114	21	on	on	ADP
hassl-3617	114	22	the	the	DET
hassl-3617	114	23	relationships	relationship	NOUN
hassl-3617	114	24	,	,	PUNCT
hassl-3617	114	25	providing	provide	VERB
hassl-3617	114	26	deeper	deep	ADJ
hassl-3617	114	27	insights	insight	NOUN
hassl-3617	114	28	into	into	ADP
hassl-3617	114	29	the	the	DET
hassl-3617	114	30	nuances	nuance	NOUN
hassl-3617	114	31	of	of	ADP
hassl-3617	114	32	the	the	DET
hassl-3617	114	33	studied	studied	ADJ
hassl-3617	114	34	phenomenon	phenomenon	NOUN
hassl-3617	114	35	.	.	PUNCT
hassl-3617	115	1	(	(	PUNCT
hassl-3617	115	2	3	3	X
hassl-3617	115	3	)	)	PUNCT
hassl-3617	115	4	precise	precise	ADJ
hassl-3617	115	5	comparison	comparison	NOUN
hassl-3617	115	6	:	:	PUNCT
hassl-3617	115	7	pls	pls	PROPN
hassl-3617	115	8	-	-	PUNCT
hassl-3617	115	9	mga	mga	PROPN
hassl-3617	115	10	allows	allow	VERB
hassl-3617	115	11	for	for	ADP
hassl-3617	115	12	a	a	DET
hassl-3617	115	13	more	more	ADV
hassl-3617	115	14	precise	precise	ADJ
hassl-3617	115	15	comparison	comparison	NOUN
hassl-3617	115	16	of	of	ADP
hassl-3617	115	17	model	model	NOUN
hassl-3617	115	18	parameters	parameter	NOUN
hassl-3617	115	19	,	,	PUNCT
hassl-3617	115	20	helping	help	VERB
hassl-3617	115	21	us	we	PRON
hassl-3617	115	22	identify	identify	VERB
hassl-3617	115	23	if	if	SCONJ
hassl-3617	115	24	the	the	DET
hassl-3617	115	25	observed	observed	ADJ
hassl-3617	115	26	differences	difference	NOUN
hassl-3617	115	27	are	be	AUX
hassl-3617	115	28	statistically	statistically	ADV
hassl-3617	115	29	significant	significant	ADJ
hassl-3617	115	30	.	.	PUNCT
hassl-3617	116	1	(	(	PUNCT
hassl-3617	116	2	4	4	X
hassl-3617	116	3	)	)	PUNCT
hassl-3617	116	4	enhanced	enhanced	ADJ
hassl-3617	116	5	validity	validity	NOUN
hassl-3617	116	6	:	:	PUNCT
hassl-3617	116	7	by	by	ADP
hassl-3617	116	8	accounting	account	VERB
hassl-3617	116	9	for	for	ADP
hassl-3617	116	10	groupspecific	groupspecific	NOUN
hassl-3617	116	11	dynamics	dynamic	NOUN
hassl-3617	116	12	,	,	PUNCT
hassl-3617	116	13	our	our	PRON
hassl-3617	116	14	model	model	NOUN
hassl-3617	116	15	enhances	enhance	VERB
hassl-3617	116	16	the	the	DET
hassl-3617	116	17	validity	validity	NOUN
hassl-3617	116	18	of	of	ADP
hassl-3617	116	19	our	our	PRON
hassl-3617	116	20	conclusions	conclusion	NOUN
hassl-3617	116	21	by	by	ADP
hassl-3617	116	22	acknowledging	acknowledge	VERB
hassl-3617	116	23	the	the	DET
hassl-3617	116	24	potential	potential	ADJ
hassl-3617	116	25	heterogeneity	heterogeneity	NOUN
hassl-3617	116	26	in	in	ADP
hassl-3617	116	27	relationships	relationship	NOUN
hassl-3617	116	28	.	.	PUNCT
hassl-3617	117	1	table	table	NOUN
hassl-3617	117	2	1	1	NUM
hassl-3617	117	3	.	.	PUNCT
hassl-3617	117	4	research	research	NOUN
hassl-3617	117	5	instruments	instrument	NOUN
hassl-3617	117	6	.	.	PUNCT
hassl-3617	118	1	variable	variable	ADJ
hassl-3617	118	2	indicator	indicator	NOUN
hassl-3617	118	3	digital	digital	ADJ
hassl-3617	118	4	financial	financial	ADJ
hassl-3617	118	5	literacy	literacy	NOUN
hassl-3617	118	6	i	i	PRON
hassl-3617	118	7	possess	possess	VERB
hassl-3617	118	8	a	a	DET
hassl-3617	118	9	strong	strong	ADJ
hassl-3617	118	10	grasp	grasp	NOUN
hassl-3617	118	11	of	of	ADP
hassl-3617	118	12	digital	digital	ADJ
hassl-3617	118	13	payment	payment	NOUN
hassl-3617	118	14	solutions	solution	NOUN
hassl-3617	118	15	,	,	PUNCT
hassl-3617	118	16	including	include	VERB
hassl-3617	118	17	e	e	NOUN
hassl-3617	118	18	-	-	NOUN
hassl-3617	118	19	debit	debit	NOUN
hassl-3617	118	20	,	,	PUNCT
hassl-3617	118	21	e	e	NOUN
hassl-3617	118	22	-	-	NOUN
hassl-3617	118	23	credit	credit	NOUN
hassl-3617	118	24	,	,	PUNCT
hassl-3617	118	25	e	e	NOUN
hassl-3617	118	26	-	-	NOUN
hassl-3617	118	27	money	money	NOUN
hassl-3617	118	28	,	,	PUNCT
hassl-3617	118	29	mobile	mobile	ADJ
hassl-3617	118	30	/	/	SYM
hassl-3617	118	31	internet	internet	NOUN
hassl-3617	118	32	banking	banking	NOUN
hassl-3617	118	33	,	,	PUNCT
hassl-3617	118	34	and	and	CCONJ
hassl-3617	118	35	e	e	NOUN
hassl-3617	118	36	-	-	NOUN
hassl-3617	118	37	wallets	wallet	NOUN
hassl-3617	118	38	.	.	PUNCT
hassl-3617	119	1	i	i	PRON
hassl-3617	119	2	have	have	VERB
hassl-3617	119	3	a	a	DET
hassl-3617	119	4	solid	solid	ADJ
hassl-3617	119	5	understanding	understanding	NOUN
hassl-3617	119	6	of	of	ADP
hassl-3617	119	7	digital	digital	ADJ
hassl-3617	119	8	asset	asset	NOUN
hassl-3617	119	9	management	management	NOUN
hassl-3617	119	10	products	product	NOUN
hassl-3617	119	11	such	such	ADJ
hassl-3617	119	12	as	as	ADP
hassl-3617	119	13	tanamduit	tanamduit	NOUN
hassl-3617	119	14	,	,	PUNCT
hassl-3617	119	15	finansialku	finansialku	NOUN
hassl-3617	119	16	,	,	PUNCT
hassl-3617	119	17	and	and	CCONJ
hassl-3617	119	18	bareksa	bareksa	NOUN
hassl-3617	119	19	.	.	PUNCT
hassl-3617	120	1	i	i	PRON
hassl-3617	120	2	am	be	AUX
hassl-3617	120	3	well	well	ADV
hassl-3617	120	4	-	-	PUNCT
hassl-3617	120	5	versed	verse	VERB
hassl-3617	120	6	in	in	ADP
hassl-3617	120	7	digital	digital	ADJ
hassl-3617	120	8	asset	asset	NOUN
hassl-3617	120	9	management	management	NOUN
hassl-3617	120	10	alternatives	alternative	NOUN
hassl-3617	120	11	like	like	ADP
hassl-3617	120	12	investeree	investeree	NOUN
hassl-3617	120	13	,	,	PUNCT
hassl-3617	120	14	kreditku	kreditku	NOUN
hassl-3617	120	15	,	,	PUNCT
hassl-3617	120	16	etc	etc	X
hassl-3617	120	17	.	.	X
hassl-3617	121	1	i	i	PRON
hassl-3617	121	2	have	have	VERB
hassl-3617	121	3	a	a	DET
hassl-3617	121	4	comprehensive	comprehensive	ADJ
hassl-3617	121	5	knowledge	knowledge	NOUN
hassl-3617	121	6	of	of	ADP
hassl-3617	121	7	digital	digital	ADJ
hassl-3617	121	8	insurance	insurance	NOUN
hassl-3617	121	9	offerings	offering	NOUN
hassl-3617	121	10	,	,	PUNCT
hassl-3617	121	11	including	include	VERB
hassl-3617	121	12	w+	w+	PROPN
hassl-3617	121	13	,	,	PUNCT
hassl-3617	121	14	cekpremi	cekpremi	NOUN
hassl-3617	121	15	,	,	PUNCT
hassl-3617	121	16	and	and	CCONJ
hassl-3617	121	17	rajapremi	rajapremi	NOUN
hassl-3617	121	18	.	.	PUNCT
hassl-3617	122	1	i	i	PRON
hassl-3617	122	2	am	be	AUX
hassl-3617	122	3	knowledgeable	knowledgeable	ADJ
hassl-3617	122	4	about	about	ADP
hassl-3617	122	5	customer	customer	NOUN
hassl-3617	122	6	rights	right	NOUN
hassl-3617	122	7	,	,	PUNCT
hassl-3617	122	8	protection	protection	NOUN
hassl-3617	122	9	,	,	PUNCT
hassl-3617	122	10	and	and	CCONJ
hassl-3617	122	11	the	the	DET
hassl-3617	122	12	procedure	procedure	NOUN
hassl-3617	122	13	for	for	ADP
hassl-3617	122	14	lodging	lodge	VERB
hassl-3617	122	15	complaints	complaint	NOUN
hassl-3617	122	16	about	about	ADP
hassl-3617	122	17	digital	digital	ADJ
hassl-3617	122	18	financial	financial	ADJ
hassl-3617	122	19	service	service	NOUN
hassl-3617	122	20	providers	provider	NOUN
hassl-3617	122	21	.	.	PUNCT
hassl-3617	123	1	i	i	PRON
hassl-3617	123	2	have	have	VERB
hassl-3617	123	3	practical	practical	ADJ
hassl-3617	123	4	experience	experience	NOUN
hassl-3617	123	5	using	use	VERB
hassl-3617	123	6	fintech	fintech	NOUN
hassl-3617	123	7	products	product	NOUN
hassl-3617	123	8	and	and	CCONJ
hassl-3617	123	9	services	service	NOUN
hassl-3617	123	10	for	for	ADP
hassl-3617	123	11	digital	digital	ADJ
hassl-3617	123	12	payments	payment	NOUN
hassl-3617	123	13	,	,	PUNCT
hassl-3617	123	14	such	such	ADJ
hassl-3617	123	15	as	as	ADP
hassl-3617	123	16	ovo	ovo	PROPN
hassl-3617	123	17	,	,	PUNCT
hassl-3617	123	18	gopay	gopay	NOUN
hassl-3617	123	19	,	,	PUNCT
hassl-3617	123	20	and	and	CCONJ
hassl-3617	123	21	linkaja	linkaja	NOUN
hassl-3617	123	22	i	i	PRON
hassl-3617	123	23	have	have	VERB
hassl-3617	123	24	hands	hand	NOUN
hassl-3617	123	25	-	-	PUNCT
hassl-3617	123	26	on	on	ADP
hassl-3617	123	27	experience	experience	NOUN
hassl-3617	123	28	with	with	ADP
hassl-3617	123	29	fintech	fintech	NOUN
hassl-3617	123	30	products	product	NOUN
hassl-3617	123	31	and	and	CCONJ
hassl-3617	123	32	services	service	NOUN
hassl-3617	123	33	for	for	ADP
hassl-3617	123	34	financing	financing	NOUN
hassl-3617	123	35	(	(	PUNCT
hassl-3617	123	36	loans	loan	NOUN
hassl-3617	123	37	)	)	PUNCT
hassl-3617	123	38	and	and	CCONJ
hassl-3617	123	39	investment	investment	NOUN
hassl-3617	123	40	,	,	PUNCT
hassl-3617	123	41	such	such	ADJ
hassl-3617	123	42	as	as	ADP
hassl-3617	123	43	coinworks	coinwork	NOUN
hassl-3617	123	44	,	,	PUNCT
hassl-3617	123	45	investree	investree	ADJ
hassl-3617	123	46	,	,	PUNCT
hassl-3617	123	47	modalku	modalku	NOUN
hassl-3617	123	48	,	,	PUNCT
hassl-3617	123	49	and	and	CCONJ
hassl-3617	123	50	amarta	amarta	NOUN
hassl-3617	123	51	.	.	PUNCT
hassl-3617	124	1	i	i	PRON
hassl-3617	124	2	have	have	VERB
hassl-3617	124	3	firsthand	firsthand	ADJ
hassl-3617	124	4	experience	experience	NOUN
hassl-3617	124	5	using	use	VERB
hassl-3617	124	6	fintech	fintech	NOUN
hassl-3617	124	7	products	product	NOUN
hassl-3617	124	8	and	and	CCONJ
hassl-3617	124	9	services	service	NOUN
hassl-3617	124	10	for	for	ADP
hassl-3617	124	11	asset	asset	NOUN
hassl-3617	124	12	management	management	NOUN
hassl-3617	124	13	,	,	PUNCT
hassl-3617	124	14	such	such	ADJ
hassl-3617	124	15	as	as	ADP
hassl-3617	124	16	bareksa	bareksa	NOUN
hassl-3617	124	17	,	,	PUNCT
hassl-3617	124	18	tanamduit	tanamduit	NOUN
hassl-3617	124	19	,	,	PUNCT
hassl-3617	124	20	and	and	CCONJ
hassl-3617	124	21	finansialku	finansialku	NOUN
hassl-3617	124	22	.	.	PUNCT
hassl-3617	125	1	i	i	PRON
hassl-3617	125	2	am	be	AUX
hassl-3617	125	3	conscious	conscious	ADJ
hassl-3617	125	4	of	of	ADP
hassl-3617	125	5	the	the	DET
hassl-3617	125	6	potential	potential	ADJ
hassl-3617	125	7	financial	financial	ADJ
hassl-3617	125	8	risks	risk	NOUN
hassl-3617	125	9	associated	associate	VERB
hassl-3617	125	10	with	with	ADP
hassl-3617	125	11	using	use	VERB
hassl-3617	125	12	digital	digital	ADJ
hassl-3617	125	13	financial	financial	ADJ
hassl-3617	125	14	providers	provider	NOUN
hassl-3617	125	15	or	or	CCONJ
hassl-3617	125	16	fintech	fintech	NOUN
hassl-3617	125	17	,	,	PUNCT
hassl-3617	125	18	including	include	VERB
hassl-3617	125	19	considerations	consideration	NOUN
hassl-3617	125	20	like	like	ADP
hassl-3617	125	21	the	the	DET
hassl-3617	125	22	legality	legality	NOUN
hassl-3617	125	23	of	of	ADP
hassl-3617	125	24	the	the	DET
hassl-3617	125	25	fintech	fintech	NOUN
hassl-3617	125	26	provider	provider	NOUN
hassl-3617	125	27	,	,	PUNCT
hassl-3617	125	28	interest	interest	NOUN
hassl-3617	125	29	rates	rate	NOUN
hassl-3617	125	30	,	,	PUNCT
hassl-3617	125	31	and	and	CCONJ
hassl-3617	125	32	transaction	transaction	NOUN
hassl-3617	125	33	fees	fee	NOUN
hassl-3617	125	34	.	.	PUNCT
hassl-3617	126	1	i	i	PRON
hassl-3617	126	2	possess	possess	VERB
hassl-3617	126	3	strong	strong	ADJ
hassl-3617	126	4	financial	financial	ADJ
hassl-3617	126	5	management	management	NOUN
hassl-3617	126	6	capabilities	capability	NOUN
hassl-3617	126	7	through	through	ADP
hassl-3617	126	8	digital	digital	ADJ
hassl-3617	126	9	platforms	platform	NOUN
hassl-3617	126	10	,	,	PUNCT
hassl-3617	126	11	enabling	enable	VERB
hassl-3617	126	12	me	i	PRON
hassl-3617	126	13	to	to	PART
hassl-3617	126	14	effectively	effectively	ADV
hassl-3617	126	15	manage	manage	VERB
hassl-3617	126	16	costs	cost	NOUN
hassl-3617	126	17	associated	associate	VERB
hassl-3617	126	18	with	with	ADP
hassl-3617	126	19	digital	digital	ADJ
hassl-3617	126	20	financial	financial	ADJ
hassl-3617	126	21	transactions	transaction	NOUN
hassl-3617	126	22	.	.	PUNCT
hassl-3617	127	1	i	i	PRON
hassl-3617	127	2	exercise	exercise	VERB
hassl-3617	127	3	sound	sound	NOUN
hassl-3617	127	4	control	control	NOUN
hassl-3617	127	5	over	over	ADP
hassl-3617	127	6	financial	financial	ADJ
hassl-3617	127	7	activities	activity	NOUN
hassl-3617	127	8	using	use	VERB
hassl-3617	127	9	digital	digital	ADJ
hassl-3617	127	10	platforms	platform	NOUN
hassl-3617	127	11	by	by	ADP
hassl-3617	127	12	evaluating	evaluate	VERB
hassl-3617	127	13	spending	spending	NOUN
hassl-3617	127	14	within	within	ADP
hassl-3617	127	15	these	these	DET
hassl-3617	127	16	platforms	platform	NOUN
hassl-3617	127	17	.	.	PUNCT
hassl-3617	128	1	digital	digital	ADJ
hassl-3617	128	2	financial	financial	ADJ
hassl-3617	128	3	inclusion	inclusion	NOUN
hassl-3617	128	4	utilized	utilize	VERB
hassl-3617	128	5	a	a	DET
hassl-3617	128	6	mobile	mobile	ADJ
hassl-3617	128	7	phone	phone	NOUN
hassl-3617	128	8	or	or	CCONJ
hassl-3617	128	9	the	the	DET
hassl-3617	128	10	internet	internet	NOUN
hassl-3617	128	11	to	to	PART
hassl-3617	128	12	access	access	VERB
hassl-3617	128	13	your	your	PRON
hassl-3617	128	14	account	account	NOUN
hassl-3617	128	15	.	.	PUNCT
hassl-3617	129	1	employed	employ	VERB
hassl-3617	129	2	e	e	NOUN
hassl-3617	129	3	-	-	NOUN
hassl-3617	129	4	debit	debit	NOUN
hassl-3617	129	5	,	,	PUNCT
hassl-3617	129	6	e	e	NOUN
hassl-3617	129	7	-	-	NOUN
hassl-3617	129	8	credit	credit	NOUN
hassl-3617	129	9	,	,	PUNCT
hassl-3617	129	10	mobile	mobile	ADJ
hassl-3617	129	11	/	/	SYM
hassl-3617	129	12	internet	internet	NOUN
hassl-3617	129	13	banking	banking	NOUN
hassl-3617	129	14	,	,	PUNCT
hassl-3617	129	15	e	e	NOUN
hassl-3617	129	16	-	-	NOUN
hassl-3617	129	17	money	money	NOUN
hassl-3617	129	18	,	,	PUNCT
hassl-3617	129	19	e	e	NOUN
hassl-3617	129	20	-	-	NOUN
hassl-3617	129	21	wallet	wallet	NOUN
hassl-3617	129	22	,	,	PUNCT
hassl-3617	129	23	or	or	CCONJ
hassl-3617	129	24	the	the	DET
hassl-3617	129	25	internet	internet	NOUN
hassl-3617	129	26	for	for	ADP
hassl-3617	129	27	bill	bill	NOUN
hassl-3617	129	28	payments	payment	NOUN
hassl-3617	129	29	or	or	CCONJ
hassl-3617	129	30	transactions	transaction	NOUN
hassl-3617	129	31	.	.	PUNCT
hassl-3617	130	1	utilized	utilize	VERB
hassl-3617	130	2	e	e	NOUN
hassl-3617	130	3	-	-	NOUN
hassl-3617	130	4	debit	debit	NOUN
hassl-3617	130	5	,	,	PUNCT
hassl-3617	130	6	e	e	NOUN
hassl-3617	130	7	-	-	NOUN
hassl-3617	130	8	credit	credit	NOUN
hassl-3617	130	9	,	,	PUNCT
hassl-3617	130	10	mobile	mobile	ADJ
hassl-3617	130	11	/	/	SYM
hassl-3617	130	12	internet	internet	NOUN
hassl-3617	130	13	banking	banking	NOUN
hassl-3617	130	14	,	,	PUNCT
hassl-3617	130	15	e	e	NOUN
hassl-3617	130	16	-	-	NOUN
hassl-3617	130	17	money	money	NOUN
hassl-3617	130	18	,	,	PUNCT
hassl-3617	130	19	e	e	NOUN
hassl-3617	130	20	-	-	NOUN
hassl-3617	130	21	wallet	wallet	NOUN
hassl-3617	130	22	,	,	PUNCT
hassl-3617	130	23	or	or	CCONJ
hassl-3617	130	24	the	the	DET
hassl-3617	130	25	internet	internet	NOUN
hassl-3617	130	26	for	for	ADP
hassl-3617	130	27	online	online	ADJ
hassl-3617	130	28	purchases	purchase	NOUN
hassl-3617	130	29	.	.	PUNCT
hassl-3617	131	1	made	make	VERB
hassl-3617	131	2	cash	cash	NOUN
hassl-3617	131	3	withdrawals	withdrawal	NOUN
hassl-3617	131	4	using	use	VERB
hassl-3617	131	5	a	a	DET
hassl-3617	131	6	debit	debit	NOUN
hassl-3617	131	7	card	card	NOUN
hassl-3617	131	8	.	.	PUNCT
hassl-3617	132	1	engaged	engage	VERB
hassl-3617	132	2	with	with	ADP
hassl-3617	132	3	fintech	fintech	NOUN
hassl-3617	132	4	platforms	platform	NOUN
hassl-3617	132	5	for	for	ADP
hassl-3617	132	6	investment	investment	NOUN
hassl-3617	132	7	purposes	purpose	NOUN
hassl-3617	132	8	.	.	PUNCT
hassl-3617	133	1	utilized	utilize	VERB
hassl-3617	133	2	fintech	fintech	NOUN
hassl-3617	133	3	platforms	platform	NOUN
hassl-3617	133	4	for	for	ADP
hassl-3617	133	5	insurance	insurance	NOUN
hassl-3617	133	6	-	-	PUNCT
hassl-3617	133	7	related	relate	VERB
hassl-3617	133	8	transactions	transaction	NOUN
hassl-3617	133	9	.	.	PUNCT
hassl-3617	134	1	used	use	VERB
hassl-3617	134	2	an	an	DET
hassl-3617	134	3	account	account	NOUN
hassl-3617	134	4	to	to	PART
hassl-3617	134	5	receive	receive	VERB
hassl-3617	134	6	income	income	NOUN
hassl-3617	134	7	,	,	PUNCT
hassl-3617	134	8	wages	wage	NOUN
hassl-3617	134	9	,	,	PUNCT
hassl-3617	134	10	or	or	CCONJ
hassl-3617	134	11	government	government	NOUN
hassl-3617	134	12	payments	payment	NOUN
hassl-3617	134	13	.	.	PUNCT
hassl-3617	135	1	employed	employ	VERB
hassl-3617	135	2	an	an	DET
hassl-3617	135	3	account	account	NOUN
hassl-3617	135	4	for	for	ADP
hassl-3617	135	5	settling	settle	VERB
hassl-3617	135	6	utility	utility	NOUN
hassl-3617	135	7	bills	bill	NOUN
hassl-3617	135	8	.	.	PUNCT
hassl-3617	136	1	utilized	utilize	VERB
hassl-3617	136	2	a	a	DET
hassl-3617	136	3	mobile	mobile	ADJ
hassl-3617	136	4	phone	phone	NOUN
hassl-3617	136	5	or	or	CCONJ
hassl-3617	136	6	the	the	DET
hassl-3617	136	7	internet	internet	NOUN
hassl-3617	136	8	for	for	ADP
hassl-3617	136	9	fund	fund	NOUN
hassl-3617	136	10	transfers	transfer	NOUN
hassl-3617	136	11	.	.	PUNCT
hassl-3617	137	1	by	by	ADP
hassl-3617	137	2	surveying	survey	VERB
hassl-3617	137	3	185	185	NUM
hassl-3617	137	4	households	household	NOUN
hassl-3617	137	5	,	,	PUNCT
hassl-3617	137	6	the	the	DET
hassl-3617	137	7	sample	sample	NOUN
hassl-3617	137	8	was	be	AUX
hassl-3617	137	9	classified	classify	VERB
hassl-3617	137	10	into	into	ADP
hassl-3617	137	11	two	two	NUM
hassl-3617	137	12	groups	group	NOUN
hassl-3617	137	13	:	:	PUNCT
hassl-3617	137	14	females	female	NOUN
hassl-3617	137	15	and	and	CCONJ
hassl-3617	137	16	males	male	NOUN
hassl-3617	137	17	,	,	PUNCT
hassl-3617	137	18	which	which	PRON
hassl-3617	137	19	consist	consist	VERB
hassl-3617	137	20	of	of	ADP
hassl-3617	137	21	95	95	NUM
hassl-3617	137	22	males	male	NOUN
hassl-3617	137	23	and	and	CCONJ
hassl-3617	137	24	90	90	NUM
hassl-3617	137	25	females	female	NOUN
hassl-3617	137	26	.	.	PUNCT
hassl-3617	138	1	the	the	DET
hassl-3617	138	2	instrument	instrument	NOUN
hassl-3617	138	3	that	that	PRON
hassl-3617	138	4	is	be	AUX
hassl-3617	138	5	used	use	VERB
hassl-3617	138	6	to	to	PART
hassl-3617	138	7	measure	measure	VERB
hassl-3617	138	8	dfl	dfl	PROPN
hassl-3617	138	9	has	have	AUX
hassl-3617	138	10	been	be	AUX
hassl-3617	138	11	adapted	adapt	VERB
hassl-3617	138	12	from	from	ADP
hassl-3617	138	13	setiawan	setiawan	PROPN
hassl-3617	138	14	et	et	PROPN
hassl-3617	138	15	al	al	PROPN
hassl-3617	138	16	.	.	PROPN
hassl-3617	139	1	(	(	PUNCT
hassl-3617	139	2	2022	2022	NUM
hassl-3617	139	3	)	)	PUNCT
hassl-3617	139	4	,	,	PUNCT
hassl-3617	139	5	which	which	PRON
hassl-3617	139	6	reflects	reflect	VERB
hassl-3617	139	7	individuals	individual	NOUN
hassl-3617	139	8	’	'	PUNCT
hassl-3617	139	9	knowledge	knowledge	NOUN
hassl-3617	139	10	,	,	PUNCT
hassl-3617	139	11	experience	experience	NOUN
hassl-3617	139	12	,	,	PUNCT
hassl-3617	139	13	and	and	CCONJ
hassl-3617	139	14	awareness	awareness	NOUN
hassl-3617	139	15	of	of	ADP
hassl-3617	139	16	digital	digital	ADJ
hassl-3617	139	17	financial	financial	ADJ
hassl-3617	139	18	products	product	NOUN
hassl-3617	139	19	or	or	CCONJ
hassl-3617	139	20	services	service	NOUN
hassl-3617	139	21	.	.	PUNCT
hassl-3617	140	1	humanities	humanity	NOUN
hassl-3617	140	2	and	and	CCONJ
hassl-3617	140	3	social	social	ADJ
hassl-3617	140	4	sciences	science	NOUN
hassl-3617	140	5	letters	letter	NOUN
hassl-3617	140	6	,	,	PUNCT
hassl-3617	140	7	2024	2024	NUM
hassl-3617	140	8	,	,	PUNCT
hassl-3617	140	9	12(1	12(1	NUM
hassl-3617	140	10	):	):	PUNCT
hassl-3617	140	11	33	33	NUM
hassl-3617	140	12	-	-	SYM
hassl-3617	140	13	42	42	NUM
hassl-3617	140	14	38	38	NUM
hassl-3617	140	15	©	©	PROPN
hassl-3617	140	16	2024	2024	NUM
hassl-3617	140	17	conscientia	conscientia	PROPN
hassl-3617	140	18	beam	beam	PROPN
hassl-3617	140	19	.	.	PUNCT
hassl-3617	141	1	all	all	DET
hassl-3617	141	2	rights	right	NOUN
hassl-3617	141	3	reserved	reserve	VERB
hassl-3617	141	4	.	.	PUNCT
hassl-3617	142	1	this	this	DET
hassl-3617	142	2	latent	latent	ADJ
hassl-3617	142	3	variable	variable	NOUN
hassl-3617	142	4	was	be	AUX
hassl-3617	142	5	operationalized	operationalize	VERB
hassl-3617	142	6	using	use	VERB
hassl-3617	142	7	4	4	NUM
hassl-3617	142	8	-	-	PUNCT
hassl-3617	142	9	point	point	NOUN
hassl-3617	142	10	likert	likert	NOUN
hassl-3617	142	11	scales	scale	NOUN
hassl-3617	142	12	.	.	PUNCT
hassl-3617	143	1	on	on	ADP
hassl-3617	143	2	the	the	DET
hassl-3617	143	3	other	other	ADJ
hassl-3617	143	4	hand	hand	NOUN
hassl-3617	143	5	,	,	PUNCT
hassl-3617	143	6	digital	digital	ADJ
hassl-3617	143	7	financial	financial	ADJ
hassl-3617	143	8	inclusion	inclusion	NOUN
hassl-3617	143	9	is	be	AUX
hassl-3617	143	10	defined	define	VERB
hassl-3617	143	11	as	as	ADP
hassl-3617	143	12	individuals	individual	NOUN
hassl-3617	143	13	’	’	PART
hassl-3617	143	14	accessibility	accessibility	NOUN
hassl-3617	143	15	and	and	CCONJ
hassl-3617	143	16	usage	usage	NOUN
hassl-3617	143	17	of	of	ADP
hassl-3617	143	18	digital	digital	ADJ
hassl-3617	143	19	financial	financial	ADJ
hassl-3617	143	20	products	product	NOUN
hassl-3617	143	21	or	or	CCONJ
hassl-3617	143	22	services	service	NOUN
hassl-3617	143	23	.	.	PUNCT
hassl-3617	144	1	it	it	PRON
hassl-3617	144	2	was	be	AUX
hassl-3617	144	3	operationalized	operationalize	VERB
hassl-3617	144	4	using	use	VERB
hassl-3617	144	5	yes	yes	ADV
hassl-3617	144	6	-	-	PUNCT
hassl-3617	144	7	or	or	CCONJ
hassl-3617	144	8	-	-	PUNCT
hassl-3617	144	9	no	no	PRON
hassl-3617	144	10	questions	question	NOUN
hassl-3617	144	11	that	that	PRON
hassl-3617	144	12	are	be	AUX
hassl-3617	144	13	displayed	display	VERB
hassl-3617	144	14	in	in	ADP
hassl-3617	144	15	table	table	NOUN
hassl-3617	144	16	1	1	NUM
hassl-3617	144	17	.	.	PUNCT
hassl-3617	145	1	the	the	DET
hassl-3617	145	2	data	datum	NOUN
hassl-3617	145	3	of	of	ADP
hassl-3617	145	4	dfi	dfi	PROPN
hassl-3617	145	5	that	that	PRON
hassl-3617	145	6	is	be	AUX
hassl-3617	145	7	used	use	VERB
hassl-3617	145	8	to	to	PART
hassl-3617	145	9	be	be	AUX
hassl-3617	145	10	analyzed	analyze	VERB
hassl-3617	145	11	further	far	ADV
hassl-3617	145	12	is	be	AUX
hassl-3617	145	13	the	the	DET
hassl-3617	145	14	total	total	ADJ
hassl-3617	145	15	score	score	NOUN
hassl-3617	145	16	of	of	ADP
hassl-3617	145	17	9	9	NUM
hassl-3617	145	18	items	item	NOUN
hassl-3617	145	19	in	in	ADP
hassl-3617	145	20	the	the	DET
hassl-3617	145	21	instrument	instrument	NOUN
hassl-3617	145	22	of	of	ADP
hassl-3617	145	23	dfi	dfi	PROPN
hassl-3617	145	24	.	.	PUNCT
hassl-3617	145	25	table	table	NOUN
hassl-3617	145	26	2	2	NUM
hassl-3617	145	27	represents	represent	VERB
hassl-3617	145	28	the	the	DET
hassl-3617	145	29	results	result	NOUN
hassl-3617	145	30	of	of	ADP
hassl-3617	145	31	the	the	DET
hassl-3617	145	32	validity	validity	NOUN
hassl-3617	145	33	and	and	CCONJ
hassl-3617	145	34	reliability	reliability	NOUN
hassl-3617	145	35	tests	test	NOUN
hassl-3617	145	36	of	of	ADP
hassl-3617	145	37	the	the	DET
hassl-3617	145	38	research	research	NOUN
hassl-3617	145	39	instrument	instrument	NOUN
hassl-3617	145	40	.	.	PUNCT
hassl-3617	146	1	referring	refer	VERB
hassl-3617	146	2	to	to	ADP
hassl-3617	146	3	the	the	DET
hassl-3617	146	4	loading	loading	NOUN
hassl-3617	146	5	factor	factor	NOUN
hassl-3617	146	6	,	,	PUNCT
hassl-3617	146	7	five	five	NUM
hassl-3617	146	8	items	item	NOUN
hassl-3617	146	9	of	of	ADP
hassl-3617	146	10	dfi	dfi	PROPN
hassl-3617	146	11	are	be	AUX
hassl-3617	146	12	valid	valid	ADJ
hassl-3617	146	13	and	and	CCONJ
hassl-3617	146	14	adhere	adhere	VERB
hassl-3617	146	15	to	to	ADP
hassl-3617	146	16	the	the	DET
hassl-3617	146	17	minimum	minimum	ADJ
hassl-3617	146	18	requirement	requirement	NOUN
hassl-3617	146	19	that	that	SCONJ
hassl-3617	146	20	the	the	DET
hassl-3617	146	21	loading	loading	NOUN
hassl-3617	146	22	factor	factor	NOUN
hassl-3617	146	23	is	be	AUX
hassl-3617	146	24	equal	equal	ADJ
hassl-3617	146	25	to	to	ADP
hassl-3617	146	26	or	or	CCONJ
hassl-3617	146	27	more	more	ADJ
hassl-3617	146	28	than	than	ADP
hassl-3617	146	29	0.7	0.7	NUM
hassl-3617	146	30	(	(	PUNCT
hassl-3617	146	31	hair	hair	NOUN
hassl-3617	146	32	jr	jr	PROPN
hassl-3617	146	33	,	,	PUNCT
hassl-3617	146	34	hult	hult	PROPN
hassl-3617	146	35	,	,	PUNCT
hassl-3617	146	36	ringle	ringle	PROPN
hassl-3617	146	37	,	,	PUNCT
hassl-3617	146	38	&	&	CCONJ
hassl-3617	146	39	sarstedt	sarstedt	PROPN
hassl-3617	146	40	,	,	PUNCT
hassl-3617	146	41	2016	2016	NUM
hassl-3617	146	42	)	)	PUNCT
hassl-3617	146	43	.	.	PUNCT
hassl-3617	147	1	if	if	SCONJ
hassl-3617	147	2	the	the	DET
hassl-3617	147	3	loading	loading	NOUN
hassl-3617	147	4	factor	factor	NOUN
hassl-3617	147	5	is	be	AUX
hassl-3617	147	6	less	less	ADJ
hassl-3617	147	7	than	than	ADP
hassl-3617	147	8	0.7	0.7	NUM
hassl-3617	147	9	,	,	PUNCT
hassl-3617	147	10	the	the	DET
hassl-3617	147	11	items	item	NOUN
hassl-3617	147	12	should	should	AUX
hassl-3617	147	13	be	be	AUX
hassl-3617	147	14	deleted	delete	VERB
hassl-3617	147	15	and	and	CCONJ
hassl-3617	147	16	excluded	exclude	VERB
hassl-3617	147	17	from	from	ADP
hassl-3617	147	18	data	datum	NOUN
hassl-3617	147	19	analysis	analysis	NOUN
hassl-3617	147	20	.	.	PUNCT
hassl-3617	148	1	besides	besides	SCONJ
hassl-3617	148	2	,	,	PUNCT
hassl-3617	148	3	the	the	DET
hassl-3617	148	4	average	average	ADJ
hassl-3617	148	5	variance	variance	NOUN
hassl-3617	148	6	extracted	extract	VERB
hassl-3617	148	7	also	also	ADV
hassl-3617	148	8	showed	show	VERB
hassl-3617	148	9	that	that	SCONJ
hassl-3617	148	10	the	the	DET
hassl-3617	148	11	instruments	instrument	NOUN
hassl-3617	148	12	of	of	ADP
hassl-3617	148	13	dfi	dfi	PROPN
hassl-3617	148	14	fulfilled	fulfil	VERB
hassl-3617	148	15	the	the	DET
hassl-3617	148	16	convergent	convergent	NOUN
hassl-3617	148	17	validity	validity	NOUN
hassl-3617	148	18	criterion	criterion	NOUN
hassl-3617	148	19	.	.	PUNCT
hassl-3617	149	1	the	the	DET
hassl-3617	149	2	reliability	reliability	NOUN
hassl-3617	149	3	test	test	NOUN
hassl-3617	149	4	proved	prove	VERB
hassl-3617	149	5	that	that	SCONJ
hassl-3617	149	6	the	the	DET
hassl-3617	149	7	instruments	instrument	NOUN
hassl-3617	149	8	of	of	ADP
hassl-3617	149	9	dfi	dfi	PROPN
hassl-3617	149	10	and	and	CCONJ
hassl-3617	149	11	dfl	dfl	PROPN
hassl-3617	149	12	are	be	AUX
hassl-3617	149	13	reliable	reliable	ADJ
hassl-3617	149	14	based	base	VERB
hassl-3617	149	15	on	on	ADP
hassl-3617	149	16	the	the	DET
hassl-3617	149	17	values	value	NOUN
hassl-3617	149	18	of	of	ADP
hassl-3617	149	19	cronbach	cronbach	NOUN
hassl-3617	149	20	’s	’s	PART
hassl-3617	149	21	’	'	PUNCT
hassl-3617	149	22	alpha	alpha	NOUN
hassl-3617	149	23	and	and	CCONJ
hassl-3617	149	24	composite	composite	ADJ
hassl-3617	149	25	reliability	reliability	NOUN
hassl-3617	149	26	.	.	PUNCT
hassl-3617	150	1	table	table	NOUN
hassl-3617	150	2	2	2	NUM
hassl-3617	150	3	.	.	X
hassl-3617	150	4	validity	validity	NOUN
hassl-3617	150	5	and	and	CCONJ
hassl-3617	150	6	reliability	reliability	NOUN
hassl-3617	150	7	test	test	NOUN
hassl-3617	150	8	.	.	PUNCT
hassl-3617	151	1	item	item	NOUN
hassl-3617	151	2	loading	loading	NOUN
hassl-3617	151	3	factor	factor	NOUN
hassl-3617	151	4	average	average	ADJ
hassl-3617	151	5	variance	variance	NOUN
hassl-3617	151	6	extracted	extract	VERB
hassl-3617	151	7	composite	composite	ADJ
hassl-3617	151	8	reliability	reliability	NOUN
hassl-3617	151	9	cronbach	cronbach	NOUN
hassl-3617	151	10	’s	’s	PART
hassl-3617	151	11	alpha	alpha	NOUN
hassl-3617	151	12	dfl1	dfl1	NOUN
hassl-3617	151	13	0.449	0.449	NUM
hassl-3617	151	14	0.691	0.691	NUM
hassl-3617	151	15	*	*	PUNCT
hassl-3617	151	16	*	*	PUNCT
hassl-3617	151	17	*	*	PUNCT
hassl-3617	151	18	0.898	0.898	NUM
hassl-3617	151	19	*	*	PUNCT
hassl-3617	151	20	*	*	PUNCT
hassl-3617	151	21	*	*	PUNCT
hassl-3617	151	22	0.850	0.850	NUM
hassl-3617	151	23	*	*	PUNCT
hassl-3617	151	24	*	*	PUNCT
hassl-3617	151	25	*	*	PUNCT
hassl-3617	151	26	dfl	dfl	PROPN
hassl-3617	151	27	2	2	NUM
hassl-3617	151	28	0.739	0.739	NUM
hassl-3617	151	29	dfl	dfl	PROPN
hassl-3617	151	30	3	3	NUM
hassl-3617	151	31	0.632	0.632	NUM
hassl-3617	151	32	dfl	dfl	PROPN
hassl-3617	151	33	4	4	NUM
hassl-3617	151	34	0.661	0.661	NUM
hassl-3617	151	35	dfl	dfl	PROPN
hassl-3617	151	36	5	5	NUM
hassl-3617	151	37	0.724	0.724	NUM
hassl-3617	151	38	dfl	dfl	PROPN
hassl-3617	151	39	6	6	NUM
hassl-3617	151	40	0.551	0.551	NUM
hassl-3617	151	41	dfl	dfl	PROPN
hassl-3617	151	42	7	7	NUM
hassl-3617	151	43	0.569	0.569	NUM
hassl-3617	151	44	dfl	dfl	PROPN
hassl-3617	151	45	8	8	NUM
hassl-3617	151	46	0.621	0.621	NUM
hassl-3617	151	47	dfl	dfl	PROPN
hassl-3617	151	48	9	9	NUM
hassl-3617	151	49	0.713	0.713	NUM
hassl-3617	151	50	dfl	dfl	PROPN
hassl-3617	151	51	10	10	NUM
hassl-3617	151	52	0.830	0.830	NUM
hassl-3617	151	53	dfl	dfl	PROPN
hassl-3617	151	54	11	11	NUM
hassl-3617	151	55	0.820	0.820	NUM
hassl-3617	151	56	dfi	dfi	PROPN
hassl-3617	151	57	1.000	1.000	NUM
hassl-3617	151	58	1	1	NUM
hassl-3617	151	59	1	1	NUM
hassl-3617	151	60	1	1	NUM
hassl-3617	151	61	note	note	NOUN
hassl-3617	151	62	:	:	PUNCT
hassl-3617	151	63	*	*	PUNCT
hassl-3617	151	64	*	*	PUNCT
hassl-3617	151	65	*	*	PUNCT
hassl-3617	152	1	p	p	X
hassl-3617	152	2	<	<	X
hassl-3617	152	3	0.01	0.01	NUM
hassl-3617	152	4	.	.	PUNCT
hassl-3617	153	1	4	4	NUM
hassl-3617	153	2	.	.	NOUN
hassl-3617	153	3	results	result	NOUN
hassl-3617	153	4	and	and	CCONJ
hassl-3617	153	5	discussion	discussion	NOUN
hassl-3617	153	6	according	accord	VERB
hassl-3617	153	7	to	to	ADP
hassl-3617	153	8	the	the	DET
hassl-3617	153	9	data	datum	NOUN
hassl-3617	153	10	analysis	analysis	NOUN
hassl-3617	153	11	,	,	PUNCT
hassl-3617	153	12	this	this	DET
hassl-3617	153	13	research	research	NOUN
hassl-3617	153	14	revealed	reveal	VERB
hassl-3617	153	15	a	a	DET
hassl-3617	153	16	noteworthy	noteworthy	ADJ
hassl-3617	153	17	positive	positive	ADJ
hassl-3617	153	18	correlation	correlation	NOUN
hassl-3617	153	19	between	between	ADP
hassl-3617	153	20	dfl	dfl	PROPN
hassl-3617	153	21	and	and	CCONJ
hassl-3617	153	22	dfi	dfi	PROPN
hassl-3617	153	23	.	.	PUNCT
hassl-3617	154	1	when	when	SCONJ
hassl-3617	154	2	considering	consider	VERB
hassl-3617	154	3	the	the	DET
hassl-3617	154	4	entire	entire	ADJ
hassl-3617	154	5	sample	sample	NOUN
hassl-3617	154	6	,	,	PUNCT
hassl-3617	154	7	the	the	DET
hassl-3617	154	8	path	path	NOUN
hassl-3617	154	9	coefficient	coefficient	NOUN
hassl-3617	154	10	was	be	AUX
hassl-3617	154	11	determined	determine	VERB
hassl-3617	154	12	to	to	PART
hassl-3617	154	13	be	be	AUX
hassl-3617	154	14	0.416	0.416	NUM
hassl-3617	154	15	,	,	PUNCT
hassl-3617	154	16	with	with	ADP
hassl-3617	154	17	a	a	DET
hassl-3617	154	18	p	p	NOUN
hassl-3617	154	19	-	-	PUNCT
hassl-3617	154	20	value	value	NOUN
hassl-3617	154	21	of	of	ADP
hassl-3617	154	22	0.000	0.000	NUM
hassl-3617	154	23	(	(	PUNCT
hassl-3617	154	24	refer	refer	VERB
hassl-3617	154	25	to	to	ADP
hassl-3617	154	26	table	table	NOUN
hassl-3617	154	27	3	3	NUM
hassl-3617	154	28	)	)	PUNCT
hassl-3617	154	29	.	.	PUNCT
hassl-3617	155	1	this	this	PRON
hassl-3617	155	2	implies	imply	VERB
hassl-3617	155	3	that	that	SCONJ
hassl-3617	155	4	the	the	DET
hassl-3617	155	5	hypothesis	hypothesis	NOUN
hassl-3617	155	6	can	can	AUX
hassl-3617	155	7	be	be	AUX
hassl-3617	155	8	accepted	accept	VERB
hassl-3617	155	9	at	at	ADP
hassl-3617	155	10	a	a	DET
hassl-3617	155	11	significance	significance	NOUN
hassl-3617	155	12	level	level	NOUN
hassl-3617	155	13	of	of	ADP
hassl-3617	155	14	5	5	NUM
hassl-3617	155	15	%	%	NOUN
hassl-3617	155	16	.	.	PUNCT
hassl-3617	156	1	figure	figure	NOUN
hassl-3617	156	2	1	1	NUM
hassl-3617	156	3	depicts	depict	VERB
hassl-3617	156	4	the	the	DET
hassl-3617	156	5	conceptual	conceptual	ADJ
hassl-3617	156	6	framework	framework	NOUN
hassl-3617	156	7	that	that	PRON
hassl-3617	156	8	develops	develop	VERB
hassl-3617	156	9	to	to	PART
hassl-3617	156	10	answer	answer	VERB
hassl-3617	156	11	the	the	DET
hassl-3617	156	12	research	research	NOUN
hassl-3617	156	13	gap	gap	NOUN
hassl-3617	156	14	,	,	PUNCT
hassl-3617	156	15	which	which	PRON
hassl-3617	156	16	is	be	AUX
hassl-3617	156	17	to	to	PART
hassl-3617	156	18	explain	explain	VERB
hassl-3617	156	19	the	the	DET
hassl-3617	156	20	influence	influence	NOUN
hassl-3617	156	21	of	of	ADP
hassl-3617	156	22	dfl	dfl	PROPN
hassl-3617	156	23	on	on	ADP
hassl-3617	156	24	dfi	dfi	PROPN
hassl-3617	156	25	,	,	PUNCT
hassl-3617	156	26	both	both	CCONJ
hassl-3617	156	27	for	for	ADP
hassl-3617	156	28	females	female	NOUN
hassl-3617	156	29	and	and	CCONJ
hassl-3617	156	30	males	male	NOUN
hassl-3617	156	31	.	.	PUNCT
hassl-3617	157	1	the	the	DET
hassl-3617	157	2	models	model	NOUN
hassl-3617	157	3	’	'	PUNCT
hassl-3617	157	4	goodness	goodness	NOUN
hassl-3617	157	5	of	of	ADP
hassl-3617	157	6	fit	fit	NOUN
hassl-3617	157	7	was	be	AUX
hassl-3617	157	8	shown	show	VERB
hassl-3617	157	9	by	by	ADP
hassl-3617	157	10	the	the	DET
hassl-3617	157	11	value	value	NOUN
hassl-3617	157	12	of	of	ADP
hassl-3617	157	13	r	r	NOUN
hassl-3617	157	14	-	-	PUNCT
hassl-3617	157	15	square	square	NOUN
hassl-3617	157	16	0.173	0.173	NUM
hassl-3617	157	17	,	,	PUNCT
hassl-3617	157	18	which	which	PRON
hassl-3617	157	19	explains	explain	VERB
hassl-3617	157	20	that	that	SCONJ
hassl-3617	157	21	the	the	DET
hassl-3617	157	22	power	power	NOUN
hassl-3617	157	23	of	of	ADP
hassl-3617	157	24	dfl	dfl	PROPN
hassl-3617	157	25	in	in	ADP
hassl-3617	157	26	explaining	explain	VERB
hassl-3617	157	27	dfi	dfi	PROPN
hassl-3617	157	28	is	be	AUX
hassl-3617	157	29	17.3	17.3	NUM
hassl-3617	157	30	percent	percent	NOUN
hassl-3617	157	31	;	;	PUNCT
hassl-3617	157	32	the	the	DET
hassl-3617	157	33	rest	rest	NOUN
hassl-3617	157	34	will	will	AUX
hassl-3617	157	35	be	be	AUX
hassl-3617	157	36	explained	explain	VERB
hassl-3617	157	37	by	by	ADP
hassl-3617	157	38	employing	employ	VERB
hassl-3617	157	39	other	other	ADJ
hassl-3617	157	40	variables	variable	NOUN
hassl-3617	157	41	in	in	ADP
hassl-3617	157	42	the	the	DET
hassl-3617	157	43	model	model	NOUN
hassl-3617	157	44	.	.	PUNCT
hassl-3617	158	1	this	this	DET
hassl-3617	158	2	empirical	empirical	ADJ
hassl-3617	158	3	result	result	NOUN
hassl-3617	158	4	was	be	AUX
hassl-3617	158	5	in	in	ADP
hassl-3617	158	6	line	line	NOUN
hassl-3617	158	7	with	with	ADP
hassl-3617	158	8	the	the	DET
hassl-3617	158	9	findings	finding	NOUN
hassl-3617	158	10	of	of	ADP
hassl-3617	158	11	several	several	ADJ
hassl-3617	158	12	scholars	scholar	NOUN
hassl-3617	158	13	,	,	PUNCT
hassl-3617	158	14	namely	namely	ADV
hassl-3617	158	15	(	(	PUNCT
hassl-3617	158	16	asyik	asyik	PROPN
hassl-3617	158	17	et	et	PROPN
hassl-3617	158	18	al	al	PROPN
hassl-3617	158	19	.	.	PROPN
hassl-3617	158	20	,	,	PUNCT
hassl-3617	158	21	2022	2022	NUM
hassl-3617	158	22	;	;	PUNCT
hassl-3617	158	23	königsheim	königsheim	NOUN
hassl-3617	158	24	et	et	PROPN
hassl-3617	158	25	al	al	PROPN
hassl-3617	158	26	.	.	PROPN
hassl-3617	158	27	,	,	PUNCT
hassl-3617	158	28	2017	2017	NUM
hassl-3617	158	29	;	;	PUNCT
hassl-3617	158	30	shen	shen	PROPN
hassl-3617	158	31	et	et	PROPN
hassl-3617	158	32	al	al	PROPN
hassl-3617	158	33	.	.	PROPN
hassl-3617	158	34	,	,	PUNCT
hassl-3617	158	35	2018	2018	NUM
hassl-3617	158	36	)	)	PUNCT
hassl-3617	158	37	.	.	PUNCT
hassl-3617	159	1	basically	basically	ADV
hassl-3617	159	2	,	,	PUNCT
hassl-3617	159	3	people	people	NOUN
hassl-3617	159	4	tend	tend	VERB
hassl-3617	159	5	to	to	PART
hassl-3617	159	6	use	use	VERB
hassl-3617	159	7	and	and	CCONJ
hassl-3617	159	8	apply	apply	VERB
hassl-3617	159	9	dfi	dfi	PROPN
hassl-3617	159	10	because	because	SCONJ
hassl-3617	159	11	they	they	PRON
hassl-3617	159	12	have	have	VERB
hassl-3617	159	13	better	well	ADJ
hassl-3617	159	14	knowledge	knowledge	NOUN
hassl-3617	159	15	about	about	ADP
hassl-3617	159	16	financial	financial	ADJ
hassl-3617	159	17	concepts	concept	NOUN
hassl-3617	159	18	or	or	CCONJ
hassl-3617	159	19	financial	financial	ADJ
hassl-3617	159	20	products	product	NOUN
hassl-3617	159	21	and	and	CCONJ
hassl-3617	159	22	services	service	NOUN
hassl-3617	159	23	.	.	PUNCT
hassl-3617	160	1	to	to	PART
hassl-3617	160	2	explore	explore	VERB
hassl-3617	160	3	the	the	DET
hassl-3617	160	4	impact	impact	NOUN
hassl-3617	160	5	of	of	ADP
hassl-3617	160	6	dfl	dfl	PROPN
hassl-3617	160	7	on	on	ADP
hassl-3617	160	8	dfi	dfi	PROPN
hassl-3617	160	9	in	in	ADP
hassl-3617	160	10	each	each	DET
hassl-3617	160	11	gender	gender	NOUN
hassl-3617	160	12	group	group	NOUN
hassl-3617	160	13	,	,	PUNCT
hassl-3617	160	14	a	a	DET
hassl-3617	160	15	multigroup	multigroup	ADJ
hassl-3617	160	16	analysis	analysis	NOUN
hassl-3617	160	17	was	be	AUX
hassl-3617	160	18	conducted	conduct	VERB
hassl-3617	160	19	by	by	ADP
hassl-3617	160	20	dividing	divide	VERB
hassl-3617	160	21	the	the	DET
hassl-3617	160	22	sample	sample	NOUN
hassl-3617	160	23	into	into	ADP
hassl-3617	160	24	two	two	NUM
hassl-3617	160	25	groups	group	NOUN
hassl-3617	160	26	.	.	PUNCT
hassl-3617	161	1	the	the	DET
hassl-3617	161	2	findings	finding	NOUN
hassl-3617	161	3	revealed	reveal	VERB
hassl-3617	161	4	that	that	SCONJ
hassl-3617	161	5	dfl	dfl	PROPN
hassl-3617	161	6	has	have	VERB
hassl-3617	161	7	an	an	DET
hassl-3617	161	8	impact	impact	NOUN
hassl-3617	161	9	on	on	ADP
hassl-3617	161	10	dfi	dfi	PROPN
hassl-3617	161	11	within	within	ADP
hassl-3617	161	12	the	the	DET
hassl-3617	161	13	male	male	ADJ
hassl-3617	161	14	and	and	CCONJ
hassl-3617	161	15	female	female	ADJ
hassl-3617	161	16	groups	group	NOUN
hassl-3617	161	17	.	.	PUNCT
hassl-3617	162	1	the	the	DET
hassl-3617	162	2	second	second	ADJ
hassl-3617	162	3	hypothesis	hypothesis	NOUN
hassl-3617	162	4	proposed	propose	VERB
hassl-3617	162	5	in	in	ADP
hassl-3617	162	6	this	this	DET
hassl-3617	162	7	study	study	NOUN
hassl-3617	162	8	was	be	AUX
hassl-3617	162	9	statistically	statistically	ADV
hassl-3617	162	10	supported	support	VERB
hassl-3617	162	11	at	at	ADP
hassl-3617	162	12	a	a	DET
hassl-3617	162	13	significant	significant	ADJ
hassl-3617	162	14	level	level	NOUN
hassl-3617	162	15	of	of	ADP
hassl-3617	162	16	5	5	NUM
hassl-3617	162	17	%	%	NOUN
hassl-3617	162	18	.	.	PUNCT
hassl-3617	163	1	the	the	DET
hassl-3617	163	2	path	path	NOUN
hassl-3617	163	3	coefficient	coefficient	NOUN
hassl-3617	163	4	for	for	ADP
hassl-3617	163	5	the	the	DET
hassl-3617	163	6	male	male	ADJ
hassl-3617	163	7	group	group	NOUN
hassl-3617	163	8	was	be	AUX
hassl-3617	163	9	0.384	0.384	NUM
hassl-3617	163	10	,	,	PUNCT
hassl-3617	163	11	indicating	indicate	VERB
hassl-3617	163	12	a	a	DET
hassl-3617	163	13	significant	significant	ADJ
hassl-3617	163	14	influence	influence	NOUN
hassl-3617	163	15	of	of	ADP
hassl-3617	163	16	dfl	dfl	PROPN
hassl-3617	163	17	on	on	ADP
hassl-3617	163	18	dfi	dfi	PROPN
hassl-3617	163	19	.	.	PUNCT
hassl-3617	164	1	derived	derive	VERB
hassl-3617	164	2	from	from	ADP
hassl-3617	164	3	data	datum	NOUN
hassl-3617	164	4	analysis	analysis	NOUN
hassl-3617	164	5	,	,	PUNCT
hassl-3617	164	6	this	this	DET
hassl-3617	164	7	study	study	NOUN
hassl-3617	164	8	also	also	ADV
hassl-3617	164	9	found	find	VERB
hassl-3617	164	10	that	that	SCONJ
hassl-3617	164	11	dfl	dfl	PROPN
hassl-3617	164	12	has	have	VERB
hassl-3617	164	13	a	a	DET
hassl-3617	164	14	significant	significant	ADJ
hassl-3617	164	15	impact	impact	NOUN
hassl-3617	164	16	on	on	ADP
hassl-3617	164	17	dfi	dfi	PROPN
hassl-3617	164	18	for	for	ADP
hassl-3617	164	19	the	the	DET
hassl-3617	164	20	female	female	ADJ
hassl-3617	164	21	group	group	NOUN
hassl-3617	164	22	,	,	PUNCT
hassl-3617	164	23	with	with	ADP
hassl-3617	164	24	a	a	DET
hassl-3617	164	25	path	path	NOUN
hassl-3617	164	26	coefficient	coefficient	NOUN
hassl-3617	164	27	of	of	ADP
hassl-3617	164	28	0.454	0.454	NUM
hassl-3617	164	29	.	.	PUNCT
hassl-3617	165	1	regarding	regard	VERB
hassl-3617	165	2	the	the	DET
hassl-3617	165	3	value	value	NOUN
hassl-3617	165	4	of	of	ADP
hassl-3617	165	5	the	the	DET
hassl-3617	165	6	path	path	NOUN
hassl-3617	165	7	coefficient	coefficient	NOUN
hassl-3617	165	8	of	of	ADP
hassl-3617	165	9	the	the	DET
hassl-3617	165	10	two	two	NUM
hassl-3617	165	11	groups	group	NOUN
hassl-3617	165	12	,	,	PUNCT
hassl-3617	165	13	this	this	DET
hassl-3617	165	14	study	study	NOUN
hassl-3617	165	15	interpreted	interpret	VERB
hassl-3617	165	16	that	that	SCONJ
hassl-3617	165	17	the	the	DET
hassl-3617	165	18	effect	effect	NOUN
hassl-3617	165	19	of	of	ADP
hassl-3617	165	20	dfl	dfl	PROPN
hassl-3617	165	21	and	and	CCONJ
hassl-3617	165	22	dfi	dfi	PROPN
hassl-3617	165	23	is	be	AUX
hassl-3617	165	24	different	different	ADJ
hassl-3617	165	25	between	between	ADP
hassl-3617	165	26	males	male	NOUN
hassl-3617	165	27	and	and	CCONJ
hassl-3617	165	28	females	female	NOUN
hassl-3617	165	29	.	.	PUNCT
hassl-3617	166	1	it	it	PRON
hassl-3617	166	2	could	could	AUX
hassl-3617	166	3	be	be	AUX
hassl-3617	166	4	concluded	conclude	VERB
hassl-3617	166	5	that	that	SCONJ
hassl-3617	166	6	the	the	DET
hassl-3617	166	7	effect	effect	NOUN
hassl-3617	166	8	of	of	ADP
hassl-3617	166	9	dfl	dfl	PROPN
hassl-3617	166	10	on	on	ADP
hassl-3617	166	11	dfi	dfi	PROPN
hassl-3617	166	12	is	be	AUX
hassl-3617	166	13	greater	great	ADJ
hassl-3617	166	14	for	for	ADP
hassl-3617	166	15	females	female	NOUN
hassl-3617	166	16	than	than	ADP
hassl-3617	166	17	males	male	NOUN
hassl-3617	166	18	’	'	PUNCT
hassl-3617	166	19	groups	group	NOUN
hassl-3617	166	20	.	.	PUNCT
hassl-3617	167	1	humanities	humanity	NOUN
hassl-3617	167	2	and	and	CCONJ
hassl-3617	167	3	social	social	ADJ
hassl-3617	167	4	sciences	science	NOUN
hassl-3617	167	5	letters	letter	NOUN
hassl-3617	167	6	,	,	PUNCT
hassl-3617	167	7	2024	2024	NUM
hassl-3617	167	8	,	,	PUNCT
hassl-3617	167	9	12(1	12(1	NUM
hassl-3617	167	10	):	):	PUNCT
hassl-3617	167	11	33	33	NUM
hassl-3617	167	12	-	-	SYM
hassl-3617	167	13	42	42	NUM
hassl-3617	167	14	39	39	NUM
hassl-3617	167	15	©	©	PROPN
hassl-3617	167	16	2024	2024	NUM
hassl-3617	167	17	conscientia	conscientia	PROPN
hassl-3617	167	18	beam	beam	PROPN
hassl-3617	167	19	.	.	PUNCT
hassl-3617	168	1	all	all	DET
hassl-3617	168	2	rights	right	NOUN
hassl-3617	168	3	reserved	reserve	VERB
hassl-3617	168	4	.	.	PUNCT
hassl-3617	169	1	figure	figure	NOUN
hassl-3617	169	2	1	1	NUM
hassl-3617	169	3	.	.	PUNCT
hassl-3617	170	1	inner	inner	ADJ
hassl-3617	170	2	model	model	NOUN
hassl-3617	170	3	of	of	ADP
hassl-3617	170	4	dfl	dfl	PROPN
hassl-3617	170	5	on	on	ADP
hassl-3617	170	6	dfi	dfi	PROPN
hassl-3617	170	7	.	.	PUNCT
hassl-3617	170	8	table	table	PROPN
hassl-3617	170	9	3	3	NUM
hassl-3617	170	10	.	.	PUNCT
hassl-3617	170	11	research	research	NOUN
hassl-3617	170	12	findings	finding	NOUN
hassl-3617	170	13	.	.	PUNCT
hassl-3617	171	1	direct	direct	ADJ
hassl-3617	171	2	effect	effect	NOUN
hassl-3617	171	3	of	of	ADP
hassl-3617	171	4	dfl	dfl	PROPN
hassl-3617	171	5	on	on	ADP
hassl-3617	171	6	dfi	dfi	PROPN
hassl-3617	171	7	all	all	DET
hassl-3617	171	8	group	group	NOUN
hassl-3617	171	9	1	1	NUM
hassl-3617	171	10	(	(	PUNCT
hassl-3617	171	11	male	male	NOUN
hassl-3617	171	12	)	)	PUNCT
hassl-3617	171	13	group	group	NOUN
hassl-3617	171	14	2	2	NUM
hassl-3617	171	15	(	(	PUNCT
hassl-3617	171	16	female	female	NOUN
hassl-3617	171	17	)	)	PUNCT
hassl-3617	171	18	path	path	NOUN
hassl-3617	171	19	coefficient	coefficient	NOUN
hassl-3617	171	20	0.416	0.416	NUM
hassl-3617	171	21	*	*	PUNCT
hassl-3617	171	22	*	*	PUNCT
hassl-3617	171	23	*	*	PUNCT
hassl-3617	171	24	0.384	0.384	NUM
hassl-3617	171	25	*	*	X
hassl-3617	171	26	*	*	NOUN
hassl-3617	171	27	0.454	0.454	NUM
hassl-3617	171	28	*	*	PUNCT
hassl-3617	171	29	*	*	PUNCT
hassl-3617	171	30	*	*	PROPN
hassl-3617	171	31	t	t	NOUN
hassl-3617	171	32	-	-	PUNCT
hassl-3617	171	33	statistics	statistic	NOUN
hassl-3617	171	34	7.925	7.925	NUM
hassl-3617	171	35	5.265	5.265	NUM
hassl-3617	171	36	5.658	5.658	NUM
hassl-3617	171	37	p	p	NOUN
hassl-3617	171	38	-	-	PUNCT
hassl-3617	171	39	value	value	NOUN
hassl-3617	171	40	0.000	0.000	NUM
hassl-3617	171	41	0.000	0.000	NUM
hassl-3617	171	42	0.000	0.000	NUM
hassl-3617	171	43	sample	sample	NOUN
hassl-3617	171	44	size	size	NOUN
hassl-3617	171	45	(	(	PUNCT
hassl-3617	171	46	n	n	CCONJ
hassl-3617	171	47	)	)	PUNCT
hassl-3617	171	48	185	185	NUM
hassl-3617	171	49	95	95	NUM
hassl-3617	171	50	90	90	NUM
hassl-3617	171	51	r	r	NOUN
hassl-3617	171	52	-	-	PUNCT
hassl-3617	171	53	square	square	NOUN
hassl-3617	171	54	0.173	0.173	NUM
hassl-3617	171	55	*	*	PUNCT
hassl-3617	171	56	*	*	PUNCT
hassl-3617	171	57	*	*	PUNCT
hassl-3617	171	58	note	note	NOUN
hassl-3617	171	59	:	:	PUNCT
hassl-3617	172	1	*	*	PUNCT
hassl-3617	172	2	*	*	PUNCT
hassl-3617	172	3	p	p	X
hassl-3617	172	4	<	<	X
hassl-3617	172	5	0.05	0.05	NUM
hassl-3617	172	6	and	and	CCONJ
hassl-3617	172	7	*	*	NOUN
hassl-3617	172	8	*	*	PUNCT
hassl-3617	172	9	*	*	PUNCT
hassl-3617	172	10	p	p	X
hassl-3617	172	11	<	<	X
hassl-3617	172	12	0.01	0.01	NUM
hassl-3617	172	13	.	.	PUNCT
hassl-3617	173	1	furthermore	furthermore	ADV
hassl-3617	173	2	,	,	PUNCT
hassl-3617	173	3	to	to	PART
hassl-3617	173	4	answer	answer	VERB
hassl-3617	173	5	the	the	DET
hassl-3617	173	6	research	research	NOUN
hassl-3617	173	7	question	question	NOUN
hassl-3617	173	8	,	,	PUNCT
hassl-3617	173	9	which	which	PRON
hassl-3617	173	10	asks	ask	VERB
hassl-3617	173	11	whether	whether	SCONJ
hassl-3617	173	12	there	there	PRON
hassl-3617	173	13	is	be	VERB
hassl-3617	173	14	a	a	DET
hassl-3617	173	15	significantly	significantly	ADV
hassl-3617	173	16	different	different	ADJ
hassl-3617	173	17	impact	impact	NOUN
hassl-3617	173	18	of	of	ADP
hassl-3617	173	19	dfl	dfl	PROPN
hassl-3617	173	20	on	on	ADP
hassl-3617	173	21	dfi	dfi	PROPN
hassl-3617	173	22	in	in	ADP
hassl-3617	173	23	two	two	NUM
hassl-3617	173	24	groups	group	NOUN
hassl-3617	173	25	of	of	ADP
hassl-3617	173	26	genders	gender	NOUN
hassl-3617	173	27	,	,	PUNCT
hassl-3617	173	28	a	a	DET
hassl-3617	173	29	parametric	parametric	ADJ
hassl-3617	173	30	test	test	NOUN
hassl-3617	173	31	should	should	AUX
hassl-3617	173	32	be	be	AUX
hassl-3617	173	33	performed	perform	VERB
hassl-3617	173	34	in	in	ADP
hassl-3617	173	35	this	this	DET
hassl-3617	173	36	analysis	analysis	NOUN
hassl-3617	173	37	.	.	PUNCT
hassl-3617	174	1	table	table	NOUN
hassl-3617	174	2	4	4	NUM
hassl-3617	174	3	presents	present	VERB
hassl-3617	174	4	the	the	DET
hassl-3617	174	5	empirical	empirical	ADJ
hassl-3617	174	6	findings	finding	NOUN
hassl-3617	174	7	that	that	PRON
hassl-3617	174	8	indicate	indicate	VERB
hassl-3617	174	9	the	the	DET
hassl-3617	174	10	p	p	NOUN
hassl-3617	174	11	-	-	PUNCT
hassl-3617	174	12	values	value	NOUN
hassl-3617	174	13	for	for	ADP
hassl-3617	174	14	each	each	DET
hassl-3617	174	15	criterion	criterion	NOUN
hassl-3617	174	16	exceeding	exceed	VERB
hassl-3617	174	17	0.05	0.05	NUM
hassl-3617	174	18	(	(	PUNCT
hassl-3617	174	19	the	the	DET
hassl-3617	174	20	significance	significance	NOUN
hassl-3617	174	21	level	level	NOUN
hassl-3617	174	22	)	)	PUNCT
hassl-3617	174	23	,	,	PUNCT
hassl-3617	174	24	which	which	PRON
hassl-3617	174	25	suggests	suggest	VERB
hassl-3617	174	26	the	the	DET
hassl-3617	174	27	acceptance	acceptance	NOUN
hassl-3617	174	28	of	of	ADP
hassl-3617	174	29	the	the	DET
hassl-3617	174	30	null	null	ADJ
hassl-3617	174	31	hypothesis	hypothesis	NOUN
hassl-3617	174	32	.	.	PUNCT
hassl-3617	175	1	this	this	PRON
hassl-3617	175	2	suggests	suggest	VERB
hassl-3617	175	3	that	that	SCONJ
hassl-3617	175	4	there	there	PRON
hassl-3617	175	5	is	be	VERB
hassl-3617	175	6	no	no	DET
hassl-3617	175	7	significant	significant	ADJ
hassl-3617	175	8	difference	difference	NOUN
hassl-3617	175	9	in	in	ADP
hassl-3617	175	10	the	the	DET
hassl-3617	175	11	path	path	NOUN
hassl-3617	175	12	coefficient	coefficient	NOUN
hassl-3617	175	13	between	between	ADP
hassl-3617	175	14	gender	gender	NOUN
hassl-3617	175	15	groups	group	NOUN
hassl-3617	175	16	.	.	PUNCT
hassl-3617	176	1	consequently	consequently	ADV
hassl-3617	176	2	,	,	PUNCT
hassl-3617	176	3	gender	gender	NOUN
hassl-3617	176	4	does	do	AUX
hassl-3617	176	5	not	not	PART
hassl-3617	176	6	appear	appear	VERB
hassl-3617	176	7	to	to	PART
hassl-3617	176	8	exert	exert	VERB
hassl-3617	176	9	inequality	inequality	NOUN
hassl-3617	176	10	in	in	ADP
hassl-3617	176	11	the	the	DET
hassl-3617	176	12	association	association	NOUN
hassl-3617	176	13	between	between	ADP
hassl-3617	176	14	dfl	dfl	PROPN
hassl-3617	176	15	and	and	CCONJ
hassl-3617	176	16	dfi	dfi	PROPN
hassl-3617	176	17	.	.	PUNCT
hassl-3617	177	1	this	this	DET
hassl-3617	177	2	finding	finding	NOUN
hassl-3617	177	3	proved	prove	VERB
hassl-3617	177	4	that	that	SCONJ
hassl-3617	177	5	society	society	NOUN
hassl-3617	177	6	,	,	PUNCT
hassl-3617	177	7	both	both	CCONJ
hassl-3617	177	8	males	male	NOUN
hassl-3617	177	9	and	and	CCONJ
hassl-3617	177	10	females	female	NOUN
hassl-3617	177	11	,	,	PUNCT
hassl-3617	177	12	has	have	VERB
hassl-3617	177	13	better	well	ADJ
hassl-3617	177	14	access	access	NOUN
hassl-3617	177	15	to	to	ADP
hassl-3617	177	16	financial	financial	ADJ
hassl-3617	177	17	products	product	NOUN
hassl-3617	177	18	and	and	CCONJ
hassl-3617	177	19	services	service	NOUN
hassl-3617	177	20	in	in	ADP
hassl-3617	177	21	the	the	DET
hassl-3617	177	22	digital	digital	ADJ
hassl-3617	177	23	era	era	NOUN
hassl-3617	177	24	.	.	PUNCT
hassl-3617	178	1	the	the	DET
hassl-3617	178	2	empirical	empirical	ADJ
hassl-3617	178	3	result	result	NOUN
hassl-3617	178	4	showed	show	VERB
hassl-3617	178	5	that	that	SCONJ
hassl-3617	178	6	gender	gender	NOUN
hassl-3617	178	7	is	be	AUX
hassl-3617	178	8	not	not	PART
hassl-3617	178	9	an	an	DET
hassl-3617	178	10	issue	issue	NOUN
hassl-3617	178	11	of	of	ADP
hassl-3617	178	12	inequality	inequality	NOUN
hassl-3617	178	13	in	in	ADP
hassl-3617	178	14	dfi	dfi	PROPN
hassl-3617	178	15	.	.	PUNCT
hassl-3617	179	1	it	it	PRON
hassl-3617	179	2	was	be	AUX
hassl-3617	179	3	contrary	contrary	ADJ
hassl-3617	179	4	to	to	ADP
hassl-3617	179	5	demirguc	demirguc	PROPN
hassl-3617	179	6	-	-	PUNCT
hassl-3617	179	7	kunt	kunt	PROPN
hassl-3617	179	8	et	et	PROPN
hassl-3617	179	9	al	al	PROPN
hassl-3617	179	10	.	.	PROPN
hassl-3617	180	1	(	(	PUNCT
hassl-3617	180	2	2018	2018	NUM
hassl-3617	180	3	)	)	PUNCT
hassl-3617	180	4	,	,	PUNCT
hassl-3617	180	5	who	who	PRON
hassl-3617	180	6	stated	state	VERB
hassl-3617	180	7	that	that	SCONJ
hassl-3617	180	8	fifty	fifty	NUM
hassl-3617	180	9	-	-	PUNCT
hassl-3617	180	10	six	six	NUM
hassl-3617	180	11	percent	percent	NOUN
hassl-3617	180	12	of	of	ADP
hassl-3617	180	13	adults	adult	NOUN
hassl-3617	180	14	categorized	categorize	VERB
hassl-3617	180	15	as	as	ADP
hassl-3617	180	16	unbanked	unbanked	ADJ
hassl-3617	180	17	are	be	AUX
hassl-3617	180	18	women	woman	NOUN
hassl-3617	180	19	.	.	PUNCT
hassl-3617	181	1	one	one	NUM
hassl-3617	181	2	of	of	ADP
hassl-3617	181	3	the	the	DET
hassl-3617	181	4	reasons	reason	NOUN
hassl-3617	181	5	for	for	ADP
hassl-3617	181	6	not	not	PART
hassl-3617	181	7	having	have	VERB
hassl-3617	181	8	a	a	DET
hassl-3617	181	9	bank	bank	NOUN
hassl-3617	181	10	’s	’s	PART
hassl-3617	181	11	account	account	NOUN
hassl-3617	181	12	is	be	AUX
hassl-3617	181	13	they	they	PRON
hassl-3617	181	14	did	do	AUX
hassl-3617	181	15	not	not	PART
hassl-3617	181	16	have	have	VERB
hassl-3617	181	17	regular	regular	ADJ
hassl-3617	181	18	income	income	NOUN
hassl-3617	181	19	(	(	PUNCT
hassl-3617	181	20	widyastuti	widyastuti	PROPN
hassl-3617	181	21	et	et	PROPN
hassl-3617	181	22	al	al	PROPN
hassl-3617	181	23	.	.	PROPN
hassl-3617	181	24	,	,	PUNCT
hassl-3617	181	25	2019	2019	NUM
hassl-3617	181	26	)	)	PUNCT
hassl-3617	181	27	.	.	PUNCT
hassl-3617	182	1	table	table	NOUN
hassl-3617	182	2	4	4	NUM
hassl-3617	182	3	.	.	PUNCT
hassl-3617	183	1	pls	pls	PROPN
hassl-3617	183	2	mga	mga	PROPN
hassl-3617	183	3	and	and	CCONJ
hassl-3617	183	4	parametric	parametric	ADJ
hassl-3617	183	5	test	test	NOUN
hassl-3617	183	6	.	.	PUNCT
hassl-3617	184	1	description	description	NOUN
hassl-3617	184	2	pls_mga	pls_mga	PROPN
hassl-3617	184	3	parametric	parametric	PROPN
hassl-3617	184	4	test	test	NOUN
hassl-3617	184	5	coefficientß	coefficientß	NOUN
hassl-3617	184	6	-0.070	-0.070	NUM
hassl-3617	184	7	-0.070	-0.070	PUNCT
hassl-3617	184	8	t	t	X
hassl-3617	184	9	-	-	PUNCT
hassl-3617	184	10	statistics	statistic	NOUN
hassl-3617	184	11	0.733	0.733	NUM
hassl-3617	184	12	0.633	0.633	NUM
hassl-3617	184	13	p	p	NOUN
hassl-3617	184	14	-	-	PUNCT
hassl-3617	184	15	value	value	NOUN
hassl-3617	184	16	0.534	0.534	NUM
hassl-3617	184	17	0.528	0.528	NUM
hassl-3617	184	18	5	5	NUM
hassl-3617	184	19	.	.	PUNCT
hassl-3617	185	1	conclusion	conclusion	VERB
hassl-3617	185	2	the	the	DET
hassl-3617	185	3	purpose	purpose	NOUN
hassl-3617	185	4	of	of	ADP
hassl-3617	185	5	this	this	DET
hassl-3617	185	6	research	research	NOUN
hassl-3617	185	7	is	be	AUX
hassl-3617	185	8	to	to	PART
hassl-3617	185	9	explore	explore	VERB
hassl-3617	185	10	whether	whether	SCONJ
hassl-3617	185	11	there	there	PRON
hassl-3617	185	12	are	be	VERB
hassl-3617	185	13	gender	gender	NOUN
hassl-3617	185	14	-	-	PUNCT
hassl-3617	185	15	based	base	VERB
hassl-3617	185	16	variations	variation	NOUN
hassl-3617	185	17	in	in	ADP
hassl-3617	185	18	how	how	SCONJ
hassl-3617	185	19	digital	digital	ADJ
hassl-3617	185	20	financial	financial	ADJ
hassl-3617	185	21	literacy	literacy	NOUN
hassl-3617	185	22	(	(	PUNCT
hassl-3617	185	23	dfl	dfl	PROPN
hassl-3617	185	24	)	)	PUNCT
hassl-3617	185	25	influences	influence	VERB
hassl-3617	185	26	digital	digital	ADJ
hassl-3617	185	27	financial	financial	ADJ
hassl-3617	185	28	inclusion	inclusion	NOUN
hassl-3617	185	29	(	(	PUNCT
hassl-3617	185	30	dfi	dfi	PROPN
hassl-3617	185	31	)	)	PUNCT
hassl-3617	185	32	.	.	PUNCT
hassl-3617	186	1	to	to	PART
hassl-3617	186	2	achieve	achieve	VERB
hassl-3617	186	3	this	this	PRON
hassl-3617	186	4	,	,	PUNCT
hassl-3617	186	5	the	the	DET
hassl-3617	186	6	study	study	NOUN
hassl-3617	186	7	utilized	utilize	VERB
hassl-3617	186	8	a	a	DET
hassl-3617	186	9	convenience	convenience	NOUN
hassl-3617	186	10	sampling	sampling	NOUN
hassl-3617	186	11	method	method	NOUN
hassl-3617	186	12	and	and	CCONJ
hassl-3617	186	13	collected	collect	VERB
hassl-3617	186	14	primary	primary	ADJ
hassl-3617	186	15	data	datum	NOUN
hassl-3617	186	16	via	via	ADP
hassl-3617	186	17	a	a	DET
hassl-3617	186	18	questionnaire	questionnaire	NOUN
hassl-3617	186	19	.	.	PUNCT
hassl-3617	187	1	through	through	ADP
hassl-3617	187	2	a	a	DET
hassl-3617	187	3	multigroup	multigroup	ADJ
hassl-3617	187	4	analysis	analysis	NOUN
hassl-3617	187	5	,	,	PUNCT
hassl-3617	187	6	the	the	DET
hassl-3617	187	7	research	research	NOUN
hassl-3617	187	8	identified	identify	VERB
hassl-3617	187	9	a	a	DET
hassl-3617	187	10	noteworthy	noteworthy	ADJ
hassl-3617	187	11	connection	connection	NOUN
hassl-3617	187	12	between	between	ADP
hassl-3617	187	13	dfl	dfl	PROPN
hassl-3617	187	14	and	and	CCONJ
hassl-3617	187	15	dfi	dfi	PROPN
hassl-3617	187	16	among	among	ADP
hassl-3617	187	17	both	both	CCONJ
hassl-3617	187	18	male	male	ADJ
hassl-3617	187	19	and	and	CCONJ
hassl-3617	187	20	female	female	ADJ
hassl-3617	187	21	participants	participant	NOUN
hassl-3617	187	22	.	.	PUNCT
hassl-3617	188	1	additionally	additionally	ADV
hassl-3617	188	2	,	,	PUNCT
hassl-3617	188	3	the	the	DET
hassl-3617	188	4	results	result	NOUN
hassl-3617	188	5	suggested	suggest	VERB
hassl-3617	188	6	that	that	SCONJ
hassl-3617	188	7	the	the	DET
hassl-3617	188	8	impact	impact	NOUN
hassl-3617	188	9	of	of	ADP
hassl-3617	188	10	dfl	dfl	PROPN
hassl-3617	188	11	on	on	ADP
hassl-3617	188	12	dfi	dfi	PROPN
hassl-3617	188	13	appears	appear	VERB
hassl-3617	188	14	to	to	PART
hassl-3617	188	15	be	be	AUX
hassl-3617	188	16	more	more	ADV
hassl-3617	188	17	pronounced	pronounce	VERB
hassl-3617	188	18	within	within	ADP
hassl-3617	188	19	the	the	DET
hassl-3617	188	20	female	female	ADJ
hassl-3617	188	21	cohort	cohort	NOUN
hassl-3617	188	22	in	in	ADP
hassl-3617	188	23	comparison	comparison	NOUN
hassl-3617	188	24	to	to	ADP
hassl-3617	188	25	the	the	DET
hassl-3617	188	26	male	male	ADJ
hassl-3617	188	27	cohort	cohort	NOUN
hassl-3617	188	28	.	.	PUNCT
hassl-3617	189	1	however	however	ADV
hassl-3617	189	2	,	,	PUNCT
hassl-3617	189	3	it	it	PRON
hassl-3617	189	4	's	be	AUX
hassl-3617	189	5	important	important	ADJ
hassl-3617	189	6	to	to	PART
hassl-3617	189	7	note	note	VERB
hassl-3617	189	8	that	that	SCONJ
hassl-3617	189	9	the	the	DET
hassl-3617	189	10	observed	observed	ADJ
hassl-3617	189	11	difference	difference	NOUN
hassl-3617	189	12	in	in	ADP
hassl-3617	189	13	the	the	DET
hassl-3617	189	14	influence	influence	NOUN
hassl-3617	189	15	of	of	ADP
hassl-3617	189	16	dfl	dfl	PROPN
hassl-3617	189	17	on	on	ADP
hassl-3617	189	18	dfi	dfi	PROPN
hassl-3617	189	19	between	between	ADP
hassl-3617	189	20	these	these	DET
hassl-3617	189	21	two	two	NUM
hassl-3617	189	22	gender	gender	NOUN
hassl-3617	189	23	groups	group	NOUN
hassl-3617	189	24	did	do	AUX
hassl-3617	189	25	not	not	PART
hassl-3617	189	26	reach	reach	VERB
hassl-3617	189	27	statistical	statistical	ADJ
hassl-3617	189	28	significance	significance	NOUN
hassl-3617	189	29	.	.	PUNCT
hassl-3617	190	1	the	the	DET
hassl-3617	190	2	study	study	NOUN
hassl-3617	190	3	concludes	conclude	VERB
hassl-3617	190	4	that	that	SCONJ
hassl-3617	190	5	there	there	PRON
hassl-3617	190	6	is	be	VERB
hassl-3617	190	7	a	a	DET
hassl-3617	190	8	relationship	relationship	NOUN
hassl-3617	190	9	between	between	ADP
hassl-3617	190	10	digital	digital	ADJ
hassl-3617	190	11	financial	financial	ADJ
hassl-3617	190	12	literacy	literacy	NOUN
hassl-3617	190	13	and	and	CCONJ
hassl-3617	190	14	inclusiveness	inclusiveness	NOUN
hassl-3617	190	15	that	that	PRON
hassl-3617	190	16	is	be	AUX
hassl-3617	190	17	genderdependent	genderdependent	ADJ
hassl-3617	190	18	.	.	PUNCT
hassl-3617	191	1	in	in	ADP
hassl-3617	191	2	order	order	NOUN
hassl-3617	191	3	to	to	PART
hassl-3617	191	4	encourage	encourage	VERB
hassl-3617	191	5	financial	financial	ADJ
hassl-3617	191	6	inclusion	inclusion	NOUN
hassl-3617	191	7	among	among	ADP
hassl-3617	191	8	women	woman	NOUN
hassl-3617	191	9	,	,	PUNCT
hassl-3617	191	10	efforts	effort	NOUN
hassl-3617	191	11	to	to	PART
hassl-3617	191	12	improve	improve	VERB
hassl-3617	191	13	digital	digital	ADJ
hassl-3617	191	14	financial	financial	ADJ
hassl-3617	191	15	literacy	literacy	NOUN
hassl-3617	191	16	may	may	AUX
hassl-3617	191	17	produce	produce	VERB
hassl-3617	191	18	especially	especially	ADV
hassl-3617	191	19	significant	significant	ADJ
hassl-3617	191	20	results	result	NOUN
hassl-3617	191	21	.	.	PUNCT
hassl-3617	192	1	this	this	DET
hassl-3617	192	2	study	study	NOUN
hassl-3617	192	3	collected	collect	VERB
hassl-3617	192	4	data	datum	NOUN
hassl-3617	192	5	from	from	ADP
hassl-3617	192	6	households	household	NOUN
hassl-3617	192	7	in	in	ADP
hassl-3617	192	8	urban	urban	ADJ
hassl-3617	192	9	areas	area	NOUN
hassl-3617	192	10	to	to	PART
hassl-3617	192	11	represent	represent	VERB
hassl-3617	192	12	the	the	DET
hassl-3617	192	13	sample	sample	NOUN
hassl-3617	192	14	,	,	PUNCT
hassl-3617	192	15	where	where	SCONJ
hassl-3617	192	16	the	the	DET
hassl-3617	192	17	infrastructure	infrastructure	NOUN
hassl-3617	192	18	,	,	PUNCT
hassl-3617	192	19	including	include	VERB
hassl-3617	192	20	banking	banking	NOUN
hassl-3617	192	21	institutions	institution	NOUN
hassl-3617	192	22	,	,	PUNCT
hassl-3617	192	23	could	could	AUX
hassl-3617	192	24	be	be	AUX
hassl-3617	192	25	better	well	ADV
hassl-3617	192	26	reached	reach	VERB
hassl-3617	192	27	than	than	ADP
hassl-3617	192	28	in	in	ADP
hassl-3617	192	29	rural	rural	ADJ
hassl-3617	192	30	areas	area	NOUN
hassl-3617	192	31	.	.	PUNCT
hassl-3617	193	1	this	this	DET
hassl-3617	193	2	study	study	NOUN
hassl-3617	193	3	implies	imply	VERB
hassl-3617	193	4	that	that	SCONJ
hassl-3617	193	5	future	future	ADJ
hassl-3617	193	6	humanities	humanity	NOUN
hassl-3617	193	7	and	and	CCONJ
hassl-3617	193	8	social	social	ADJ
hassl-3617	193	9	sciences	science	NOUN
hassl-3617	193	10	letters	letter	NOUN
hassl-3617	193	11	,	,	PUNCT
hassl-3617	193	12	2024	2024	NUM
hassl-3617	193	13	,	,	PUNCT
hassl-3617	193	14	12(1	12(1	NUM
hassl-3617	193	15	):	):	PUNCT
hassl-3617	193	16	33	33	NUM
hassl-3617	193	17	-	-	SYM
hassl-3617	193	18	42	42	NUM
hassl-3617	193	19	40	40	NUM
hassl-3617	193	20	©	©	PROPN
hassl-3617	193	21	2024	2024	NUM
hassl-3617	193	22	conscientia	conscientia	PROPN
hassl-3617	193	23	beam	beam	PROPN
hassl-3617	193	24	.	.	PUNCT
hassl-3617	194	1	all	all	DET
hassl-3617	194	2	rights	right	NOUN
hassl-3617	194	3	reserved	reserve	VERB
hassl-3617	194	4	.	.	PUNCT
hassl-3617	195	1	research	research	NOUN
hassl-3617	195	2	will	will	AUX
hassl-3617	195	3	focus	focus	VERB
hassl-3617	195	4	the	the	DET
hassl-3617	195	5	sample	sample	NOUN
hassl-3617	195	6	on	on	ADP
hassl-3617	195	7	rural	rural	ADJ
hassl-3617	195	8	areas	area	NOUN
hassl-3617	195	9	,	,	PUNCT
hassl-3617	195	10	which	which	PRON
hassl-3617	195	11	represent	represent	VERB
hassl-3617	195	12	a	a	DET
hassl-3617	195	13	society	society	NOUN
hassl-3617	195	14	with	with	ADP
hassl-3617	195	15	lower	low	ADJ
hassl-3617	195	16	income	income	NOUN
hassl-3617	195	17	.	.	PUNCT
hassl-3617	196	1	furthermore	furthermore	ADV
hassl-3617	196	2	,	,	PUNCT
hassl-3617	196	3	this	this	DET
hassl-3617	196	4	study	study	NOUN
hassl-3617	196	5	focused	focus	VERB
hassl-3617	196	6	solely	solely	ADV
hassl-3617	196	7	on	on	ADP
hassl-3617	196	8	the	the	DET
hassl-3617	196	9	impact	impact	NOUN
hassl-3617	196	10	of	of	ADP
hassl-3617	196	11	digital	digital	ADJ
hassl-3617	196	12	financial	financial	ADJ
hassl-3617	196	13	literacy	literacy	NOUN
hassl-3617	196	14	on	on	ADP
hassl-3617	196	15	digital	digital	ADJ
hassl-3617	196	16	financial	financial	ADJ
hassl-3617	196	17	inclusion	inclusion	NOUN
hassl-3617	196	18	,	,	PUNCT
hassl-3617	196	19	without	without	ADP
hassl-3617	196	20	considering	consider	VERB
hassl-3617	196	21	the	the	DET
hassl-3617	196	22	potential	potential	ADJ
hassl-3617	196	23	influence	influence	NOUN
hassl-3617	196	24	of	of	ADP
hassl-3617	196	25	other	other	ADJ
hassl-3617	196	26	socio	socio	NOUN
hassl-3617	196	27	-	-	PUNCT
hassl-3617	196	28	economic	economic	ADJ
hassl-3617	196	29	factors	factor	NOUN
hassl-3617	196	30	or	or	CCONJ
hassl-3617	196	31	policy	policy	NOUN
hassl-3617	196	32	interventions	intervention	NOUN
hassl-3617	196	33	.	.	PUNCT
hassl-3617	197	1	addressing	address	VERB
hassl-3617	197	2	and	and	CCONJ
hassl-3617	197	3	acknowledging	acknowledge	VERB
hassl-3617	197	4	these	these	DET
hassl-3617	197	5	limitations	limitation	NOUN
hassl-3617	197	6	can	can	AUX
hassl-3617	197	7	enhance	enhance	VERB
hassl-3617	197	8	the	the	DET
hassl-3617	197	9	interpretation	interpretation	NOUN
hassl-3617	197	10	and	and	CCONJ
hassl-3617	197	11	applicability	applicability	NOUN
hassl-3617	197	12	of	of	ADP
hassl-3617	197	13	the	the	DET
hassl-3617	197	14	research	research	NOUN
hassl-3617	197	15	findings	finding	NOUN
hassl-3617	197	16	for	for	ADP
hassl-3617	197	17	the	the	DET
hassl-3617	197	18	next	next	ADJ
hassl-3617	197	19	studies	study	NOUN
hassl-3617	197	20	.	.	PUNCT
hassl-3617	198	1	the	the	DET
hassl-3617	198	2	researchers	researcher	NOUN
hassl-3617	198	3	advise	advise	VERB
hassl-3617	198	4	regulators	regulator	NOUN
hassl-3617	198	5	and	and	CCONJ
hassl-3617	198	6	policymakers	policymaker	NOUN
hassl-3617	198	7	to	to	PART
hassl-3617	198	8	use	use	VERB
hassl-3617	198	9	these	these	DET
hassl-3617	198	10	findings	finding	NOUN
hassl-3617	198	11	to	to	PART
hassl-3617	198	12	develop	develop	VERB
hassl-3617	198	13	focused	focused	ADJ
hassl-3617	198	14	programmes	programme	NOUN
hassl-3617	198	15	that	that	PRON
hassl-3617	198	16	improve	improve	VERB
hassl-3617	198	17	digital	digital	ADJ
hassl-3617	198	18	financial	financial	ADJ
hassl-3617	198	19	literacy	literacy	NOUN
hassl-3617	198	20	,	,	PUNCT
hassl-3617	198	21	with	with	ADP
hassl-3617	198	22	a	a	DET
hassl-3617	198	23	particular	particular	ADJ
hassl-3617	198	24	emphasis	emphasis	NOUN
hassl-3617	198	25	on	on	ADP
hassl-3617	198	26	women	woman	NOUN
hassl-3617	198	27	.	.	PUNCT
hassl-3617	199	1	by	by	ADP
hassl-3617	199	2	creating	create	VERB
hassl-3617	199	3	customized	customized	ADJ
hassl-3617	199	4	solutions	solution	NOUN
hassl-3617	199	5	that	that	PRON
hassl-3617	199	6	address	address	VERB
hassl-3617	199	7	the	the	DET
hassl-3617	199	8	unique	unique	ADJ
hassl-3617	199	9	challenges	challenge	NOUN
hassl-3617	199	10	and	and	CCONJ
hassl-3617	199	11	requirements	requirement	NOUN
hassl-3617	199	12	of	of	ADP
hassl-3617	199	13	diverse	diverse	ADJ
hassl-3617	199	14	genders	gender	NOUN
hassl-3617	199	15	,	,	PUNCT
hassl-3617	199	16	financial	financial	ADJ
hassl-3617	199	17	institutions	institution	NOUN
hassl-3617	199	18	and	and	CCONJ
hassl-3617	199	19	practitioners	practitioner	NOUN
hassl-3617	199	20	may	may	AUX
hassl-3617	199	21	promote	promote	VERB
hassl-3617	199	22	more	more	ADJ
hassl-3617	199	23	inclusive	inclusive	ADJ
hassl-3617	199	24	digital	digital	ADJ
hassl-3617	199	25	financial	financial	ADJ
hassl-3617	199	26	ecosystems	ecosystem	NOUN
hassl-3617	199	27	.	.	PUNCT
hassl-3617	200	1	funding	funding	NOUN
hassl-3617	200	2	:	:	PUNCT
hassl-3617	200	3	this	this	DET
hassl-3617	200	4	research	research	NOUN
hassl-3617	200	5	is	be	AUX
hassl-3617	200	6	supported	support	VERB
hassl-3617	200	7	by	by	ADP
hassl-3617	200	8	universitas	universita	NOUN
hassl-3617	200	9	negeri	negeri	PROPN
hassl-3617	200	10	jakarta	jakarta	PROPN
hassl-3617	200	11	,	,	PUNCT
hassl-3617	200	12	indonesia	indonesia	PROPN
hassl-3617	200	13	(	(	PUNCT
hassl-3617	200	14	grant	grant	PROPN
hassl-3617	200	15	number	number	NOUN
hassl-3617	200	16	:	:	PUNCT
hassl-3617	200	17	36	36	NUM
hassl-3617	200	18	/	/	SYM
hassl-3617	200	19	un39.14	un39.14	PROPN
hassl-3617	200	20	/	/	SYM
hassl-3617	200	21	pg.02.00.pl	pg.02.00.pl	X
hassl-3617	200	22	/	/	SYM
hassl-3617	200	23	vi/2023	vi/2023	NOUN
hassl-3617	200	24	)	)	PUNCT
hassl-3617	200	25	.	.	PUNCT
hassl-3617	201	1	institutional	institutional	ADJ
hassl-3617	201	2	review	review	PROPN
hassl-3617	201	3	board	board	NOUN
hassl-3617	201	4	statement	statement	NOUN
hassl-3617	201	5	:	:	PUNCT
hassl-3617	201	6	the	the	DET
hassl-3617	201	7	ethical	ethical	ADJ
hassl-3617	201	8	committee	committee	NOUN
hassl-3617	201	9	of	of	ADP
hassl-3617	201	10	the	the	DET
hassl-3617	201	11	universitas	universita	NOUN
hassl-3617	201	12	negeri	negeri	PROPN
hassl-3617	201	13	jakarta	jakarta	PROPN
hassl-3617	201	14	,	,	PUNCT
hassl-3617	201	15	indonesia	indonesia	PROPN
hassl-3617	201	16	has	have	AUX
hassl-3617	201	17	granted	grant	VERB
hassl-3617	201	18	approval	approval	NOUN
hassl-3617	201	19	for	for	ADP
hassl-3617	201	20	this	this	DET
hassl-3617	201	21	study	study	NOUN
hassl-3617	201	22	.	.	PUNCT
hassl-3617	202	1	transparency	transparency	NOUN
hassl-3617	202	2	:	:	PUNCT
hassl-3617	202	3	the	the	DET
hassl-3617	202	4	authors	author	NOUN
hassl-3617	202	5	state	state	VERB
hassl-3617	202	6	that	that	SCONJ
hassl-3617	202	7	the	the	DET
hassl-3617	202	8	manuscript	manuscript	NOUN
hassl-3617	202	9	is	be	AUX
hassl-3617	202	10	honest	honest	ADJ
hassl-3617	202	11	,	,	PUNCT
hassl-3617	202	12	truthful	truthful	ADJ
hassl-3617	202	13	,	,	PUNCT
hassl-3617	202	14	and	and	CCONJ
hassl-3617	202	15	transparent	transparent	ADJ
hassl-3617	202	16	,	,	PUNCT
hassl-3617	202	17	that	that	SCONJ
hassl-3617	202	18	no	no	DET
hassl-3617	202	19	key	key	ADJ
hassl-3617	202	20	aspects	aspect	NOUN
hassl-3617	202	21	of	of	ADP
hassl-3617	202	22	the	the	DET
hassl-3617	202	23	investigation	investigation	NOUN
hassl-3617	202	24	have	have	AUX
hassl-3617	202	25	been	be	AUX
hassl-3617	202	26	omitted	omit	VERB
hassl-3617	202	27	,	,	PUNCT
hassl-3617	202	28	and	and	CCONJ
hassl-3617	202	29	that	that	SCONJ
hassl-3617	202	30	any	any	DET
hassl-3617	202	31	differences	difference	NOUN
hassl-3617	202	32	from	from	ADP
hassl-3617	202	33	the	the	DET
hassl-3617	202	34	study	study	NOUN
hassl-3617	202	35	as	as	SCONJ
hassl-3617	202	36	planned	plan	VERB
hassl-3617	202	37	have	have	AUX
hassl-3617	202	38	been	be	AUX
hassl-3617	202	39	clarified	clarify	VERB
hassl-3617	202	40	.	.	PUNCT
hassl-3617	203	1	this	this	DET
hassl-3617	203	2	study	study	NOUN
hassl-3617	203	3	followed	follow	VERB
hassl-3617	203	4	all	all	PRON
hassl-3617	203	5	writing	write	VERB
hassl-3617	203	6	ethics	ethic	NOUN
hassl-3617	203	7	.	.	PUNCT
hassl-3617	204	1	competing	compete	VERB
hassl-3617	204	2	interests	interest	NOUN
hassl-3617	204	3	:	:	PUNCT
hassl-3617	204	4	the	the	DET
hassl-3617	204	5	authors	author	NOUN
hassl-3617	204	6	declare	declare	VERB
hassl-3617	204	7	that	that	SCONJ
hassl-3617	204	8	they	they	PRON
hassl-3617	204	9	have	have	VERB
hassl-3617	204	10	no	no	DET
hassl-3617	204	11	competing	compete	VERB
hassl-3617	204	12	interests	interest	NOUN
hassl-3617	204	13	.	.	PUNCT
hassl-3617	205	1	authors	author	NOUN
hassl-3617	205	2	’	'	PUNCT
hassl-3617	205	3	contributions	contribution	NOUN
hassl-3617	205	4	:	:	PUNCT
hassl-3617	205	5	formulated	formulate	VERB
hassl-3617	205	6	and	and	CCONJ
hassl-3617	205	7	planned	plan	VERB
hassl-3617	205	8	the	the	DET
hassl-3617	205	9	research	research	NOUN
hassl-3617	205	10	,	,	PUNCT
hassl-3617	205	11	u.w	u.w	PROPN
hassl-3617	205	12	.	.	PROPN
hassl-3617	205	13	;	;	PUNCT
hassl-3617	205	14	gathered	gather	VERB
hassl-3617	205	15	and	and	CCONJ
hassl-3617	205	16	processed	process	VERB
hassl-3617	205	17	the	the	DET
hassl-3617	205	18	data	data	NOUN
hassl-3617	205	19	,	,	PUNCT
hassl-3617	205	20	d.k.r	d.k.r	X
hassl-3617	205	21	.	.	PROPN
hassl-3617	205	22	;	;	PUNCT
hassl-3617	205	23	composed	compose	VERB
hassl-3617	205	24	the	the	DET
hassl-3617	205	25	initial	initial	ADJ
hassl-3617	205	26	version	version	NOUN
hassl-3617	205	27	of	of	ADP
hassl-3617	205	28	the	the	DET
hassl-3617	205	29	paper	paper	NOUN
hassl-3617	205	30	,	,	PUNCT
hassl-3617	205	31	t.f.m	t.f.m	ADV
hassl-3617	205	32	.	.	PUNCT
hassl-3617	206	1	all	all	DET
hassl-3617	206	2	authors	author	NOUN
hassl-3617	206	3	have	have	AUX
hassl-3617	206	4	read	read	VERB
hassl-3617	206	5	and	and	CCONJ
hassl-3617	206	6	agreed	agree	VERB
hassl-3617	206	7	to	to	ADP
hassl-3617	206	8	the	the	DET
hassl-3617	206	9	published	publish	VERB
hassl-3617	206	10	version	version	NOUN
hassl-3617	206	11	of	of	ADP
hassl-3617	206	12	the	the	DET
hassl-3617	206	13	manuscript	manuscript	NOUN
hassl-3617	206	14	.	.	PUNCT
hassl-3617	207	1	references	reference	NOUN
hassl-3617	207	2	arnold	arnold	PROPN
hassl-3617	207	3	,	,	PUNCT
hassl-3617	207	4	j.	j.	PROPN
hassl-3617	207	5	,	,	PUNCT
hassl-3617	207	6	&	&	CCONJ
hassl-3617	207	7	gammage	gammage	PROPN
hassl-3617	207	8	,	,	PUNCT
hassl-3617	207	9	s.	s.	PROPN
hassl-3617	207	10	(	(	PUNCT
hassl-3617	207	11	2019	2019	NUM
hassl-3617	207	12	)	)	PUNCT
hassl-3617	207	13	.	.	PUNCT
hassl-3617	208	1	gender	gender	NOUN
hassl-3617	208	2	and	and	CCONJ
hassl-3617	208	3	financial	financial	ADJ
hassl-3617	208	4	inclusion	inclusion	NOUN
hassl-3617	208	5	:	:	PUNCT
hassl-3617	208	6	the	the	DET
hassl-3617	208	7	critical	critical	ADJ
hassl-3617	208	8	role	role	NOUN
hassl-3617	208	9	for	for	ADP
hassl-3617	208	10	holistic	holistic	ADJ
hassl-3617	208	11	programming	programming	NOUN
hassl-3617	208	12	.	.	PUNCT
hassl-3617	209	1	development	development	NOUN
hassl-3617	209	2	in	in	ADP
hassl-3617	209	3	practice	practice	NOUN
hassl-3617	209	4	,	,	PUNCT
hassl-3617	209	5	29(8	29(8	NUM
hassl-3617	209	6	)	)	PUNCT
hassl-3617	209	7	,	,	PUNCT
hassl-3617	209	8	965	965	NUM
hassl-3617	209	9	-	-	SYM
hassl-3617	209	10	973	973	NUM
hassl-3617	209	11	.	.	PUNCT
hassl-3617	210	1	https://doi.org/10.1080/09614524.2019.1651251	https://doi.org/10.1080/09614524.2019.1651251	PROPN
hassl-3617	210	2	asyik	asyik	PROPN
hassl-3617	210	3	,	,	PUNCT
hassl-3617	210	4	n.	n.	PROPN
hassl-3617	210	5	f.	f.	PROPN
hassl-3617	210	6	,	,	PUNCT
hassl-3617	210	7	wahidahwati	wahidahwati	NOUN
hassl-3617	210	8	,	,	PUNCT
hassl-3617	210	9	n.	n.	NOUN
hassl-3617	210	10	,	,	PUNCT
hassl-3617	210	11	laily	laily	ADV
hassl-3617	210	12	,	,	PUNCT
hassl-3617	210	13	n.	n.	NOUN
hassl-3617	210	14	,	,	PUNCT
hassl-3617	210	15	&	&	CCONJ
hassl-3617	210	16	wahidahwati	wahidahwati	PROPN
hassl-3617	210	17	,	,	PUNCT
hassl-3617	210	18	w.	w.	NOUN
hassl-3617	210	19	(	(	PUNCT
hassl-3617	210	20	2022	2022	NUM
hassl-3617	210	21	)	)	PUNCT
hassl-3617	210	22	.	.	PUNCT
hassl-3617	211	1	the	the	DET
hassl-3617	211	2	role	role	NOUN
hassl-3617	211	3	of	of	ADP
hassl-3617	211	4	intellectual	intellectual	ADJ
hassl-3617	211	5	capital	capital	NOUN
hassl-3617	211	6	in	in	ADP
hassl-3617	211	7	intervening	intervene	VERB
hassl-3617	211	8	financial	financial	ADJ
hassl-3617	211	9	behavior	behavior	NOUN
hassl-3617	211	10	and	and	CCONJ
hassl-3617	211	11	financial	financial	ADJ
hassl-3617	211	12	literacy	literacy	NOUN
hassl-3617	211	13	on	on	ADP
hassl-3617	211	14	financial	financial	ADJ
hassl-3617	211	15	inclusion	inclusion	NOUN
hassl-3617	211	16	.	.	PUNCT
hassl-3617	212	1	wseas	wseas	VERB
hassl-3617	212	2	transactions	transaction	NOUN
hassl-3617	212	3	on	on	ADP
hassl-3617	212	4	business	business	NOUN
hassl-3617	212	5	and	and	CCONJ
hassl-3617	212	6	economics	economic	NOUN
hassl-3617	212	7	,	,	PUNCT
hassl-3617	212	8	19	19	NUM
hassl-3617	212	9	,	,	PUNCT
hassl-3617	212	10	805	805	NUM
hassl-3617	212	11	-	-	SYM
hassl-3617	212	12	814	814	NUM
hassl-3617	212	13	.	.	PUNCT
hassl-3617	213	1	https://doi.org/10.37394/23207.2022.19.70	https://doi.org/10.37394/23207.2022.19.70	ADJ
hassl-3617	213	2	aziz	aziz	PROPN
hassl-3617	213	3	,	,	PUNCT
hassl-3617	213	4	a.	a.	PROPN
hassl-3617	213	5	,	,	PUNCT
hassl-3617	213	6	&	&	CCONJ
hassl-3617	213	7	naima	naima	PROPN
hassl-3617	213	8	,	,	PUNCT
hassl-3617	213	9	u.	u.	PROPN
hassl-3617	213	10	(	(	PUNCT
hassl-3617	213	11	2021	2021	NUM
hassl-3617	213	12	)	)	PUNCT
hassl-3617	213	13	.	.	PUNCT
hassl-3617	214	1	rethinking	rethink	VERB
hassl-3617	214	2	digital	digital	ADJ
hassl-3617	214	3	financial	financial	ADJ
hassl-3617	214	4	inclusion	inclusion	NOUN
hassl-3617	214	5	:	:	PUNCT
hassl-3617	214	6	evidence	evidence	NOUN
hassl-3617	214	7	from	from	ADP
hassl-3617	214	8	bangladesh	bangladesh	PROPN
hassl-3617	214	9	.	.	PUNCT
hassl-3617	215	1	technology	technology	NOUN
hassl-3617	215	2	in	in	ADP
hassl-3617	215	3	society	society	NOUN
hassl-3617	215	4	,	,	PUNCT
hassl-3617	215	5	64	64	NUM
hassl-3617	215	6	,	,	PUNCT
hassl-3617	215	7	101509	101509	NUM
hassl-3617	215	8	.	.	PUNCT
hassl-3617	216	1	https://doi.org/10.1016/j.techsoc.2020.101509	https://doi.org/10.1016/j.techsoc.2020.101509	PROPN
hassl-3617	216	2	chin	chin	PROPN
hassl-3617	216	3	,	,	PUNCT
hassl-3617	216	4	c.	c.	PROPN
hassl-3617	216	5	h.	h.	PROPN
hassl-3617	216	6	,	,	PUNCT
hassl-3617	216	7	lo	lo	PROPN
hassl-3617	216	8	,	,	PUNCT
hassl-3617	216	9	m.	m.	PROPN
hassl-3617	216	10	c.	c.	PROPN
hassl-3617	216	11	,	,	PUNCT
hassl-3617	216	12	razak	razak	PROPN
hassl-3617	216	13	,	,	PUNCT
hassl-3617	216	14	z.	z.	PROPN
hassl-3617	216	15	b.	b.	PROPN
hassl-3617	216	16	,	,	PUNCT
hassl-3617	216	17	pasbakhsh	pasbakhsh	PROPN
hassl-3617	216	18	,	,	PUNCT
hassl-3617	216	19	p.	p.	PROPN
hassl-3617	216	20	,	,	PUNCT
hassl-3617	216	21	&	&	CCONJ
hassl-3617	216	22	mohamad	mohamad	PROPN
hassl-3617	216	23	,	,	PUNCT
hassl-3617	216	24	a.	a.	NOUN
hassl-3617	216	25	a.	a.	NOUN
hassl-3617	216	26	(	(	PUNCT
hassl-3617	216	27	2020	2020	NUM
hassl-3617	216	28	)	)	PUNCT
hassl-3617	216	29	.	.	PUNCT
hassl-3617	217	1	resources	resource	NOUN
hassl-3617	217	2	confirmation	confirmation	NOUN
hassl-3617	217	3	for	for	ADP
hassl-3617	217	4	tourism	tourism	NOUN
hassl-3617	217	5	destinations	destination	NOUN
hassl-3617	217	6	marketing	marketing	NOUN
hassl-3617	217	7	efforts	effort	NOUN
hassl-3617	217	8	using	use	VERB
hassl-3617	217	9	pls	pls	PROPN
hassl-3617	217	10	-	-	PUNCT
hassl-3617	217	11	mga	mga	PROPN
hassl-3617	217	12	:	:	PUNCT
hassl-3617	217	13	the	the	DET
hassl-3617	217	14	moderating	moderate	VERB
hassl-3617	217	15	impact	impact	NOUN
hassl-3617	217	16	of	of	ADP
hassl-3617	217	17	semirural	semirural	ADJ
hassl-3617	217	18	and	and	CCONJ
hassl-3617	217	19	rural	rural	ADJ
hassl-3617	217	20	tourism	tourism	NOUN
hassl-3617	217	21	destination	destination	NOUN
hassl-3617	217	22	.	.	PUNCT
hassl-3617	218	1	sustainability	sustainability	NOUN
hassl-3617	218	2	,	,	PUNCT
hassl-3617	218	3	12(17	12(17	NUM
hassl-3617	218	4	)	)	PUNCT
hassl-3617	218	5	,	,	PUNCT
hassl-3617	218	6	6787	6787	NUM
hassl-3617	218	7	.	.	PUNCT
hassl-3617	219	1	https://doi.org/10.3390/su12176787	https://doi.org/10.3390/su12176787	PROPN
hassl-3617	219	2	chu	chu	PROPN
hassl-3617	219	3	,	,	PUNCT
hassl-3617	219	4	a.	a.	PROPN
hassl-3617	219	5	b.	b.	PROPN
hassl-3617	219	6	(	(	PUNCT
hassl-3617	219	7	2018	2018	NUM
hassl-3617	219	8	)	)	PUNCT
hassl-3617	219	9	.	.	PUNCT
hassl-3617	220	1	mobile	mobile	ADJ
hassl-3617	220	2	technology	technology	NOUN
hassl-3617	220	3	and	and	CCONJ
hassl-3617	220	4	financial	financial	ADJ
hassl-3617	220	5	inclusion	inclusion	NOUN
hassl-3617	220	6	.	.	PUNCT
hassl-3617	221	1	in	in	ADP
hassl-3617	221	2	handbook	handbook	NOUN
hassl-3617	221	3	of	of	ADP
hassl-3617	221	4	blockchain	blockchain	PROPN
hassl-3617	221	5	,	,	PUNCT
hassl-3617	221	6	digital	digital	ADJ
hassl-3617	221	7	finance	finance	NOUN
hassl-3617	221	8	,	,	PUNCT
hassl-3617	221	9	and	and	CCONJ
hassl-3617	221	10	inclusion	inclusion	NOUN
hassl-3617	221	11	.	.	PUNCT
hassl-3617	222	1	in	in	ADP
hassl-3617	222	2	(	(	PUNCT
hassl-3617	222	3	vol	vol	NOUN
hassl-3617	222	4	.	.	NOUN
hassl-3617	222	5	1	1	NUM
hassl-3617	222	6	,	,	PUNCT
hassl-3617	222	7	pp	pp	ADJ
hassl-3617	222	8	.	.	PUNCT
hassl-3617	223	1	131	131	NUM
hassl-3617	223	2	-	-	SYM
hassl-3617	223	3	144	144	NUM
hassl-3617	223	4	):	):	PUNCT
hassl-3617	223	5	academic	academic	ADJ
hassl-3617	223	6	press	press	NOUN
hassl-3617	223	7	.	.	PUNCT
hassl-3617	224	1	https://doi.org/10.1016/b978-0-12-810441-5.00006-3	https://doi.org/10.1016/b978-0-12-810441-5.00006-3	PROPN
hassl-3617	224	2	.	.	PUNCT
hassl-3617	225	1	david	david	PROPN
hassl-3617	225	2	-	-	PUNCT
hassl-3617	225	3	west	west	PROPN
hassl-3617	225	4	,	,	PUNCT
hassl-3617	225	5	o.	o.	PROPN
hassl-3617	225	6	(	(	PUNCT
hassl-3617	225	7	2016	2016	NUM
hassl-3617	225	8	)	)	PUNCT
hassl-3617	225	9	.	.	PUNCT
hassl-3617	226	1	the	the	DET
hassl-3617	226	2	path	path	NOUN
hassl-3617	226	3	to	to	ADP
hassl-3617	226	4	digital	digital	ADJ
hassl-3617	226	5	financial	financial	ADJ
hassl-3617	226	6	inclusion	inclusion	NOUN
hassl-3617	226	7	in	in	ADP
hassl-3617	226	8	nigeria	nigeria	PROPN
hassl-3617	226	9	:	:	PUNCT
hassl-3617	226	10	experiences	experience	NOUN
hassl-3617	226	11	of	of	ADP
hassl-3617	226	12	firstmonie	firstmonie	NOUN
hassl-3617	226	13	.	.	PUNCT
hassl-3617	227	1	journal	journal	PROPN
hassl-3617	227	2	of	of	ADP
hassl-3617	227	3	payments	payment	NOUN
hassl-3617	227	4	strategy	strategy	NOUN
hassl-3617	227	5	&	&	CCONJ
hassl-3617	227	6	systems	system	NOUN
hassl-3617	227	7	,	,	PUNCT
hassl-3617	227	8	9(4	9(4	NUM
hassl-3617	227	9	)	)	PUNCT
hassl-3617	227	10	,	,	PUNCT
hassl-3617	227	11	256	256	NUM
hassl-3617	227	12	-	-	SYM
hassl-3617	227	13	273	273	NUM
hassl-3617	227	14	.	.	PUNCT
hassl-3617	228	1	demirguc	demirguc	PROPN
hassl-3617	228	2	-	-	PUNCT
hassl-3617	228	3	kunt	kunt	PROPN
hassl-3617	228	4	,	,	PUNCT
hassl-3617	228	5	a.	a.	PROPN
hassl-3617	228	6	,	,	PUNCT
hassl-3617	228	7	klapper	klapper	PROPN
hassl-3617	228	8	,	,	PUNCT
hassl-3617	228	9	l.	l.	PROPN
hassl-3617	228	10	,	,	PUNCT
hassl-3617	228	11	singer	singer	NOUN
hassl-3617	228	12	,	,	PUNCT
hassl-3617	228	13	d.	d.	PROPN
hassl-3617	228	14	,	,	PUNCT
hassl-3617	228	15	ansar	ansar	PROPN
hassl-3617	228	16	,	,	PUNCT
hassl-3617	228	17	s.	s.	PROPN
hassl-3617	228	18	,	,	PUNCT
hassl-3617	228	19	&	&	CCONJ
hassl-3617	228	20	hess	hess	PROPN
hassl-3617	228	21	,	,	PUNCT
hassl-3617	228	22	j.	j.	PROPN
hassl-3617	228	23	(	(	PUNCT
hassl-3617	228	24	2018	2018	NUM
hassl-3617	228	25	)	)	PUNCT
hassl-3617	228	26	.	.	PUNCT
hassl-3617	229	1	the	the	DET
hassl-3617	229	2	global	global	ADJ
hassl-3617	229	3	findex	findex	PROPN
hassl-3617	229	4	database	database	PROPN
hassl-3617	229	5	2017	2017	NUM
hassl-3617	229	6	:	:	PUNCT
hassl-3617	229	7	measuring	measure	VERB
hassl-3617	229	8	financial	financial	ADJ
hassl-3617	229	9	inclusion	inclusion	NOUN
hassl-3617	229	10	and	and	CCONJ
hassl-3617	229	11	the	the	DET
hassl-3617	229	12	fintech	fintech	NOUN
hassl-3617	229	13	revolution	revolution	NOUN
hassl-3617	229	14	.	.	PUNCT
hassl-3617	230	1	washington	washington	PROPN
hassl-3617	230	2	dc	dc	PROPN
hassl-3617	230	3	,	,	PUNCT
hassl-3617	230	4	usa	usa	PROPN
hassl-3617	230	5	:	:	PUNCT
hassl-3617	230	6	the	the	DET
hassl-3617	230	7	world	world	PROPN
hassl-3617	230	8	bank	bank	PROPN
hassl-3617	230	9	.	.	PUNCT
hassl-3617	231	1	demirgüç	demirgüç	PROPN
hassl-3617	231	2	-	-	PUNCT
hassl-3617	231	3	kunt	kunt	PROPN
hassl-3617	231	4	,	,	PUNCT
hassl-3617	231	5	a.	a.	PROPN
hassl-3617	231	6	,	,	PUNCT
hassl-3617	231	7	&	&	CCONJ
hassl-3617	231	8	singer	singer	PROPN
hassl-3617	231	9	,	,	PUNCT
hassl-3617	231	10	d.	d.	PROPN
hassl-3617	231	11	(	(	PUNCT
hassl-3617	231	12	2017	2017	NUM
hassl-3617	231	13	)	)	PUNCT
hassl-3617	231	14	.	.	PUNCT
hassl-3617	232	1	financial	financial	ADJ
hassl-3617	232	2	inclusion	inclusion	NOUN
hassl-3617	232	3	and	and	CCONJ
hassl-3617	232	4	inclusive	inclusive	ADJ
hassl-3617	232	5	growth	growth	NOUN
hassl-3617	232	6	:	:	PUNCT
hassl-3617	232	7	a	a	DET
hassl-3617	232	8	review	review	NOUN
hassl-3617	232	9	of	of	ADP
hassl-3617	232	10	recent	recent	ADJ
hassl-3617	232	11	empirical	empirical	ADJ
hassl-3617	232	12	evidence	evidence	NOUN
hassl-3617	232	13	.	.	PUNCT
hassl-3617	233	1	world	world	NOUN
hassl-3617	233	2	bank	bank	PROPN
hassl-3617	233	3	policy	policy	NOUN
hassl-3617	233	4	research	research	NOUN
hassl-3617	233	5	working	working	NOUN
hassl-3617	233	6	paper	paper	NOUN
hassl-3617	233	7	,	,	PUNCT
hassl-3617	233	8	no	no	INTJ
hassl-3617	233	9	.	.	NOUN
hassl-3617	233	10	8040	8040	NUM
hassl-3617	233	11	.	.	PUNCT
hassl-3617	234	1	gammage	gammage	NOUN
hassl-3617	234	2	,	,	PUNCT
hassl-3617	234	3	s.	s.	PROPN
hassl-3617	234	4	,	,	PUNCT
hassl-3617	234	5	kes	kes	PROPN
hassl-3617	234	6	,	,	PUNCT
hassl-3617	234	7	a.	a.	PROPN
hassl-3617	234	8	,	,	PUNCT
hassl-3617	234	9	winograd	winograd	PROPN
hassl-3617	234	10	,	,	PUNCT
hassl-3617	234	11	l.	l.	PROPN
hassl-3617	234	12	,	,	PUNCT
hassl-3617	234	13	sultana	sultana	NOUN
hassl-3617	234	14	,	,	PUNCT
hassl-3617	234	15	n.	n.	NOUN
hassl-3617	234	16	,	,	PUNCT
hassl-3617	234	17	hiller	hiller	NOUN
hassl-3617	234	18	,	,	PUNCT
hassl-3617	234	19	s.	s.	PROPN
hassl-3617	234	20	,	,	PUNCT
hassl-3617	234	21	&	&	CCONJ
hassl-3617	234	22	bourgault	bourgault	NOUN
hassl-3617	234	23	,	,	PUNCT
hassl-3617	234	24	s.	s.	PROPN
hassl-3617	234	25	(	(	PUNCT
hassl-3617	234	26	2017	2017	NUM
hassl-3617	234	27	)	)	PUNCT
hassl-3617	234	28	.	.	PUNCT
hassl-3617	235	1	gender	gender	NOUN
hassl-3617	235	2	and	and	CCONJ
hassl-3617	235	3	digital	digital	ADJ
hassl-3617	235	4	financial	financial	ADJ
hassl-3617	235	5	inclusion	inclusion	NOUN
hassl-3617	235	6	:	:	PUNCT
hassl-3617	235	7	what	what	PRON
hassl-3617	235	8	do	do	AUX
hassl-3617	235	9	we	we	PRON
hassl-3617	235	10	know	know	VERB
hassl-3617	235	11	and	and	CCONJ
hassl-3617	235	12	what	what	PRON
hassl-3617	235	13	do	do	AUX
hassl-3617	235	14	we	we	PRON
hassl-3617	235	15	need	need	VERB
hassl-3617	235	16	to	to	PART
hassl-3617	235	17	know	know	VERB
hassl-3617	235	18	.	.	PUNCT
hassl-3617	236	1	washington	washington	PROPN
hassl-3617	236	2	,	,	PUNCT
hassl-3617	236	3	dc	dc	PROPN
hassl-3617	236	4	,	,	PUNCT
hassl-3617	236	5	usa	usa	PROPN
hassl-3617	236	6	:	:	PUNCT
hassl-3617	236	7	international	international	ADJ
hassl-3617	236	8	center	center	NOUN
hassl-3617	236	9	for	for	ADP
hassl-3617	236	10	research	research	NOUN
hassl-3617	236	11	on	on	ADP
hassl-3617	236	12	women	woman	NOUN
hassl-3617	236	13	.	.	PUNCT
hassl-3617	237	1	grohmann	grohmann	PROPN
hassl-3617	237	2	,	,	PUNCT
hassl-3617	237	3	a.	a.	PROPN
hassl-3617	237	4	,	,	PUNCT
hassl-3617	237	5	&	&	CCONJ
hassl-3617	237	6	menkhoff	menkhoff	PROPN
hassl-3617	237	7	,	,	PUNCT
hassl-3617	237	8	l.	l.	PROPN
hassl-3617	237	9	(	(	PUNCT
hassl-3617	237	10	2017	2017	NUM
hassl-3617	237	11	)	)	PUNCT
hassl-3617	237	12	.	.	PUNCT
hassl-3617	238	1	financial	financial	ADJ
hassl-3617	238	2	literacy	literacy	NOUN
hassl-3617	238	3	promotes	promote	VERB
hassl-3617	238	4	financial	financial	ADJ
hassl-3617	238	5	inclusion	inclusion	NOUN
hassl-3617	238	6	in	in	ADP
hassl-3617	238	7	both	both	CCONJ
hassl-3617	238	8	poor	poor	ADJ
hassl-3617	238	9	and	and	CCONJ
hassl-3617	238	10	rich	rich	ADJ
hassl-3617	238	11	countries	country	NOUN
hassl-3617	238	12	.	.	PUNCT
hassl-3617	239	1	diw	diw	PROPN
hassl-3617	239	2	economic	economic	ADJ
hassl-3617	239	3	bulletin	bulletin	NOUN
hassl-3617	239	4	,	,	PUNCT
hassl-3617	239	5	7(41	7(41	NUM
hassl-3617	239	6	)	)	PUNCT
hassl-3617	239	7	,	,	PUNCT
hassl-3617	239	8	399	399	NUM
hassl-3617	239	9	-	-	SYM
hassl-3617	239	10	407	407	NUM
hassl-3617	239	11	.	.	PUNCT
hassl-3617	240	1	hair	hair	NOUN
hassl-3617	240	2	,	,	PUNCT
hassl-3617	240	3	j.	j.	PROPN
hassl-3617	240	4	f.	f.	PROPN
hassl-3617	240	5	,	,	PUNCT
hassl-3617	240	6	risher	risher	ADV
hassl-3617	240	7	,	,	PUNCT
hassl-3617	240	8	j.	j.	PROPN
hassl-3617	240	9	j.	j.	PROPN
hassl-3617	240	10	,	,	PUNCT
hassl-3617	240	11	sarstedt	sarstedt	NOUN
hassl-3617	240	12	,	,	PUNCT
hassl-3617	240	13	m.	m.	NOUN
hassl-3617	240	14	,	,	PUNCT
hassl-3617	240	15	&	&	CCONJ
hassl-3617	240	16	ringle	ringle	PROPN
hassl-3617	240	17	,	,	PUNCT
hassl-3617	240	18	c.	c.	PROPN
hassl-3617	240	19	m.	m.	NOUN
hassl-3617	240	20	(	(	PUNCT
hassl-3617	240	21	2019	2019	NUM
hassl-3617	240	22	)	)	PUNCT
hassl-3617	240	23	.	.	PUNCT
hassl-3617	241	1	when	when	SCONJ
hassl-3617	241	2	to	to	PART
hassl-3617	241	3	use	use	VERB
hassl-3617	241	4	and	and	CCONJ
hassl-3617	241	5	how	how	SCONJ
hassl-3617	241	6	to	to	PART
hassl-3617	241	7	report	report	VERB
hassl-3617	241	8	the	the	DET
hassl-3617	241	9	results	result	NOUN
hassl-3617	241	10	of	of	ADP
hassl-3617	241	11	pls	pls	NOUN
hassl-3617	241	12	-	-	PUNCT
hassl-3617	241	13	sem	sem	NOUN
hassl-3617	241	14	.	.	PUNCT
hassl-3617	242	1	european	european	PROPN
hassl-3617	242	2	business	business	PROPN
hassl-3617	242	3	review	review	PROPN
hassl-3617	242	4	,	,	PUNCT
hassl-3617	242	5	31(1	31(1	NUM
hassl-3617	242	6	)	)	PUNCT
hassl-3617	242	7	,	,	PUNCT
hassl-3617	242	8	2	2	NUM
hassl-3617	242	9	-	-	SYM
hassl-3617	242	10	24	24	NUM
hassl-3617	242	11	.	.	PUNCT
hassl-3617	243	1	https://doi.org/10.1108/ebr-11-2018-0203	https://doi.org/10.1108/ebr-11-2018-0203	PROPN
hassl-3617	243	2	hair	hair	PROPN
hassl-3617	243	3	jr	jr	PROPN
hassl-3617	243	4	,	,	PUNCT
hassl-3617	243	5	j.	j.	PROPN
hassl-3617	243	6	f.	f.	PROPN
hassl-3617	243	7	,	,	PUNCT
hassl-3617	243	8	hult	hult	PROPN
hassl-3617	243	9	,	,	PUNCT
hassl-3617	243	10	g.	g.	PROPN
hassl-3617	243	11	t.	t.	PROPN
hassl-3617	243	12	m.	m.	PROPN
hassl-3617	243	13	,	,	PUNCT
hassl-3617	243	14	ringle	ringle	PROPN
hassl-3617	243	15	,	,	PUNCT
hassl-3617	243	16	c.	c.	PROPN
hassl-3617	243	17	,	,	PUNCT
hassl-3617	243	18	&	&	CCONJ
hassl-3617	243	19	sarstedt	sarstedt	NOUN
hassl-3617	243	20	,	,	PUNCT
hassl-3617	243	21	m.	m.	NOUN
hassl-3617	243	22	(	(	PUNCT
hassl-3617	243	23	2016	2016	NUM
hassl-3617	243	24	)	)	PUNCT
hassl-3617	243	25	.	.	PUNCT
hassl-3617	244	1	a	a	DET
hassl-3617	244	2	primer	primer	NOUN
hassl-3617	244	3	on	on	ADP
hassl-3617	244	4	partial	partial	ADJ
hassl-3617	244	5	least	least	ADJ
hassl-3617	244	6	squares	square	NOUN
hassl-3617	244	7	structural	structural	ADJ
hassl-3617	244	8	equation	equation	NOUN
hassl-3617	244	9	modeling	modeling	NOUN
hassl-3617	244	10	(	(	PUNCT
hassl-3617	244	11	plssem	plssem	NOUN
hassl-3617	244	12	)	)	PUNCT
hassl-3617	244	13	.	.	PUNCT
hassl-3617	245	1	thousand	thousand	NUM
hassl-3617	245	2	oaks	oak	NOUN
hassl-3617	245	3	,	,	PUNCT
hassl-3617	245	4	ca	can	AUX
hassl-3617	245	5	:	:	PUNCT
hassl-3617	245	6	sage	sage	VERB
hassl-3617	245	7	publications	publication	NOUN
hassl-3617	245	8	.	.	PUNCT
hassl-3617	245	9	https://doi.org/10.1080/09614524.2019.1651251	https://doi.org/10.1080/09614524.2019.1651251	X
hassl-3617	246	1	https://doi.org/10.37394/23207.2022.19.70	https://doi.org/10.37394/23207.2022.19.70	PROPN
hassl-3617	246	2	https://doi.org/10.1016/j.techsoc.2020.101509	https://doi.org/10.1016/j.techsoc.2020.101509	NOUN
hassl-3617	246	3	https://doi.org/10.3390/su12176787	https://doi.org/10.3390/su12176787	PROPN
hassl-3617	246	4	https://doi.org/10.1016/b978-0-12-810441-5.00006-3	https://doi.org/10.1016/b978-0-12-810441-5.00006-3	PROPN
hassl-3617	246	5	https://doi.org/10.1108/ebr-11-2018-0203	https://doi.org/10.1108/ebr-11-2018-0203	PROPN
hassl-3617	246	6	humanities	humanity	NOUN
hassl-3617	246	7	and	and	CCONJ
hassl-3617	246	8	social	social	ADJ
hassl-3617	246	9	sciences	science	NOUN
hassl-3617	246	10	letters	letter	NOUN
hassl-3617	246	11	,	,	PUNCT
hassl-3617	246	12	2024	2024	NUM
hassl-3617	246	13	,	,	PUNCT
hassl-3617	246	14	12(1	12(1	NUM
hassl-3617	246	15	):	):	PUNCT
hassl-3617	246	16	33	33	NUM
hassl-3617	246	17	-	-	SYM
hassl-3617	246	18	42	42	NUM
hassl-3617	246	19	41	41	NUM
hassl-3617	246	20	©	©	PROPN
hassl-3617	246	21	2024	2024	NUM
hassl-3617	246	22	conscientia	conscientia	PROPN
hassl-3617	246	23	beam	beam	PROPN
hassl-3617	246	24	.	.	PUNCT
hassl-3617	247	1	all	all	DET
hassl-3617	247	2	rights	right	NOUN
hassl-3617	247	3	reserved	reserve	VERB
hassl-3617	247	4	.	.	PUNCT
hassl-3617	248	1	hasan	hasan	PROPN
hassl-3617	248	2	,	,	PUNCT
hassl-3617	248	3	r.	r.	PROPN
hassl-3617	248	4	,	,	PUNCT
hassl-3617	248	5	ashfaq	ashfaq	NOUN
hassl-3617	248	6	,	,	PUNCT
hassl-3617	248	7	m.	m.	NOUN
hassl-3617	248	8	,	,	PUNCT
hassl-3617	248	9	parveen	parveen	PROPN
hassl-3617	248	10	,	,	PUNCT
hassl-3617	248	11	t.	t.	PROPN
hassl-3617	248	12	,	,	PUNCT
hassl-3617	248	13	&	&	CCONJ
hassl-3617	248	14	gunardi	gunardi	PROPN
hassl-3617	248	15	,	,	PUNCT
hassl-3617	248	16	a.	a.	NOUN
hassl-3617	248	17	(	(	PUNCT
hassl-3617	248	18	2023	2023	NUM
hassl-3617	248	19	)	)	PUNCT
hassl-3617	248	20	.	.	PUNCT
hassl-3617	249	1	financial	financial	ADJ
hassl-3617	249	2	inclusion	inclusion	NOUN
hassl-3617	249	3	–	–	PUNCT
hassl-3617	249	4	does	do	VERB
hassl-3617	249	5	digital	digital	ADJ
hassl-3617	249	6	financial	financial	ADJ
hassl-3617	249	7	literacy	literacy	NOUN
hassl-3617	249	8	matter	matter	NOUN
hassl-3617	249	9	for	for	ADP
hassl-3617	249	10	women	woman	NOUN
hassl-3617	249	11	entrepreneurs	entrepreneur	NOUN
hassl-3617	249	12	?	?	PUNCT
hassl-3617	250	1	international	international	ADJ
hassl-3617	250	2	journal	journal	NOUN
hassl-3617	250	3	of	of	ADP
hassl-3617	250	4	social	social	ADJ
hassl-3617	250	5	economics	economic	NOUN
hassl-3617	250	6	,	,	PUNCT
hassl-3617	250	7	50(8	50(8	NUM
hassl-3617	250	8	)	)	PUNCT
hassl-3617	250	9	,	,	PUNCT
hassl-3617	250	10	1085	1085	NUM
hassl-3617	250	11	-	-	SYM
hassl-3617	250	12	1104	1104	NUM
hassl-3617	250	13	.	.	PUNCT
hassl-3617	251	1	https://doi.org/10.1108/ijse-04-2022-0277	https://doi.org/10.1108/ijse-04-2022-0277	NOUN
hassl-3617	251	2	karlan	karlan	PROPN
hassl-3617	251	3	,	,	PUNCT
hassl-3617	251	4	d.	d.	PROPN
hassl-3617	251	5	,	,	PUNCT
hassl-3617	251	6	kendall	kendall	PROPN
hassl-3617	251	7	,	,	PUNCT
hassl-3617	251	8	j.	j.	PROPN
hassl-3617	251	9	,	,	PUNCT
hassl-3617	251	10	mann	mann	PROPN
hassl-3617	251	11	,	,	PUNCT
hassl-3617	251	12	r.	r.	PROPN
hassl-3617	251	13	,	,	PUNCT
hassl-3617	251	14	pande	pande	NOUN
hassl-3617	251	15	,	,	PUNCT
hassl-3617	251	16	r.	r.	PROPN
hassl-3617	251	17	,	,	PUNCT
hassl-3617	251	18	suri	suri	PROPN
hassl-3617	251	19	,	,	PUNCT
hassl-3617	251	20	t.	t.	PROPN
hassl-3617	251	21	,	,	PUNCT
hassl-3617	251	22	&	&	CCONJ
hassl-3617	251	23	zinman	zinman	PROPN
hassl-3617	251	24	,	,	PUNCT
hassl-3617	251	25	j.	j.	PROPN
hassl-3617	251	26	(	(	PUNCT
hassl-3617	251	27	2016	2016	NUM
hassl-3617	251	28	)	)	PUNCT
hassl-3617	251	29	.	.	PUNCT
hassl-3617	252	1	research	research	NOUN
hassl-3617	252	2	and	and	CCONJ
hassl-3617	252	3	impacts	impact	NOUN
hassl-3617	252	4	of	of	ADP
hassl-3617	252	5	digital	digital	ADJ
hassl-3617	252	6	financial	financial	ADJ
hassl-3617	252	7	services	service	NOUN
hassl-3617	252	8	(	(	PUNCT
hassl-3617	252	9	no	no	INTJ
hassl-3617	252	10	.	.	PUNCT
hassl-3617	252	11	w22633	w22633	NOUN
hassl-3617	252	12	)	)	PUNCT
hassl-3617	252	13	.	.	PUNCT
hassl-3617	253	1	national	national	PROPN
hassl-3617	253	2	bureau	bureau	PROPN
hassl-3617	253	3	of	of	ADP
hassl-3617	253	4	economic	economic	ADJ
hassl-3617	253	5	research	research	NOUN
hassl-3617	253	6	.	.	PUNCT
hassl-3617	254	1	kelikume	kelikume	PROPN
hassl-3617	254	2	,	,	PUNCT
hassl-3617	254	3	i.	i.	PROPN
hassl-3617	254	4	(	(	PUNCT
hassl-3617	254	5	2021	2021	NUM
hassl-3617	254	6	)	)	PUNCT
hassl-3617	254	7	.	.	PUNCT
hassl-3617	255	1	digital	digital	ADJ
hassl-3617	255	2	financial	financial	ADJ
hassl-3617	255	3	inclusion	inclusion	NOUN
hassl-3617	255	4	,	,	PUNCT
hassl-3617	255	5	informal	informal	ADJ
hassl-3617	255	6	economy	economy	NOUN
hassl-3617	255	7	and	and	CCONJ
hassl-3617	255	8	poverty	poverty	NOUN
hassl-3617	255	9	reduction	reduction	NOUN
hassl-3617	255	10	in	in	ADP
hassl-3617	255	11	africa	africa	PROPN
hassl-3617	255	12	.	.	PUNCT
hassl-3617	256	1	journal	journal	PROPN
hassl-3617	256	2	of	of	ADP
hassl-3617	256	3	enterprising	enterprise	VERB
hassl-3617	256	4	communities	community	NOUN
hassl-3617	256	5	:	:	PUNCT
hassl-3617	256	6	people	people	NOUN
hassl-3617	256	7	and	and	CCONJ
hassl-3617	256	8	places	place	NOUN
hassl-3617	256	9	in	in	ADP
hassl-3617	256	10	the	the	DET
hassl-3617	256	11	global	global	ADJ
hassl-3617	256	12	economy	economy	NOUN
hassl-3617	256	13	,	,	PUNCT
hassl-3617	256	14	15(4	15(4	NUM
hassl-3617	256	15	)	)	PUNCT
hassl-3617	256	16	,	,	PUNCT
hassl-3617	256	17	626	626	NUM
hassl-3617	256	18	-	-	SYM
hassl-3617	256	19	640	640	NUM
hassl-3617	256	20	.	.	PUNCT
hassl-3617	257	1	https://doi.org/10.1108/jec-06-2020-0124	https://doi.org/10.1108/jec-06-2020-0124	AUX
hassl-3617	257	2	koh	koh	PROPN
hassl-3617	257	3	,	,	PUNCT
hassl-3617	257	4	f.	f.	PROPN
hassl-3617	257	5	,	,	PUNCT
hassl-3617	257	6	phoon	phoon	PROPN
hassl-3617	257	7	,	,	PUNCT
hassl-3617	257	8	k.	k.	PROPN
hassl-3617	257	9	f.	f.	PROPN
hassl-3617	257	10	,	,	PUNCT
hassl-3617	257	11	&	&	CCONJ
hassl-3617	257	12	ha	ha	INTJ
hassl-3617	257	13	,	,	PUNCT
hassl-3617	257	14	c.	c.	PROPN
hassl-3617	257	15	d.	d.	PROPN
hassl-3617	257	16	(	(	PUNCT
hassl-3617	257	17	2018	2018	NUM
hassl-3617	257	18	)	)	PUNCT
hassl-3617	257	19	.	.	PUNCT
hassl-3617	258	1	digital	digital	ADJ
hassl-3617	258	2	financial	financial	ADJ
hassl-3617	258	3	inclusion	inclusion	NOUN
hassl-3617	258	4	in	in	ADP
hassl-3617	258	5	south	south	PROPN
hassl-3617	258	6	east	east	PROPN
hassl-3617	258	7	asia	asia	PROPN
hassl-3617	258	8	.	.	PUNCT
hassl-3617	259	1	in	in	ADP
hassl-3617	259	2	handbook	handbook	NOUN
hassl-3617	259	3	of	of	ADP
hassl-3617	259	4	blockchain	blockchain	PROPN
hassl-3617	259	5	,	,	PUNCT
hassl-3617	259	6	digital	digital	ADJ
hassl-3617	259	7	finance	finance	NOUN
hassl-3617	259	8	,	,	PUNCT
hassl-3617	259	9	and	and	CCONJ
hassl-3617	259	10	inclusion	inclusion	NOUN
hassl-3617	259	11	.	.	PUNCT
hassl-3617	260	1	in	in	ADP
hassl-3617	260	2	(	(	PUNCT
hassl-3617	260	3	vol	vol	NOUN
hassl-3617	260	4	.	.	NOUN
hassl-3617	260	5	2	2	NUM
hassl-3617	260	6	,	,	PUNCT
hassl-3617	260	7	pp	pp	ADJ
hassl-3617	260	8	.	.	PUNCT
hassl-3617	260	9	387	387	NUM
hassl-3617	260	10	-	-	NUM
hassl-3617	260	11	403	403	NUM
hassl-3617	260	12	)	)	PUNCT
hassl-3617	260	13	.	.	PUNCT
hassl-3617	261	1	london	london	PROPN
hassl-3617	261	2	:	:	PUNCT
hassl-3617	261	3	elsevier	elsevier	PROPN
hassl-3617	261	4	.	.	PUNCT
hassl-3617	262	1	königsheim	königsheim	PROPN
hassl-3617	262	2	,	,	PUNCT
hassl-3617	262	3	c.	c.	PROPN
hassl-3617	262	4	,	,	PUNCT
hassl-3617	262	5	lukas	lukas	NOUN
hassl-3617	262	6	,	,	PUNCT
hassl-3617	262	7	m.	m.	NOUN
hassl-3617	262	8	,	,	PUNCT
hassl-3617	262	9	&	&	CCONJ
hassl-3617	262	10	nöth	nöth	PROPN
hassl-3617	262	11	,	,	PUNCT
hassl-3617	262	12	m.	m.	NOUN
hassl-3617	262	13	(	(	PUNCT
hassl-3617	262	14	2017	2017	NUM
hassl-3617	262	15	)	)	PUNCT
hassl-3617	262	16	.	.	PUNCT
hassl-3617	263	1	financial	financial	ADJ
hassl-3617	263	2	knowledge	knowledge	NOUN
hassl-3617	263	3	,	,	PUNCT
hassl-3617	263	4	risk	risk	NOUN
hassl-3617	263	5	preferences	preference	NOUN
hassl-3617	263	6	,	,	PUNCT
hassl-3617	263	7	and	and	CCONJ
hassl-3617	263	8	the	the	DET
hassl-3617	263	9	demand	demand	NOUN
hassl-3617	263	10	for	for	ADP
hassl-3617	263	11	digital	digital	ADJ
hassl-3617	263	12	financial	financial	ADJ
hassl-3617	263	13	services	service	NOUN
hassl-3617	263	14	.	.	PUNCT
hassl-3617	264	1	schmalenbach	schmalenbach	NOUN
hassl-3617	264	2	business	business	PROPN
hassl-3617	264	3	review	review	PROPN
hassl-3617	264	4	,	,	PUNCT
hassl-3617	264	5	18(4	18(4	NUM
hassl-3617	264	6	)	)	PUNCT
hassl-3617	264	7	,	,	PUNCT
hassl-3617	264	8	343	343	NUM
hassl-3617	264	9	-	-	SYM
hassl-3617	264	10	375	375	NUM
hassl-3617	264	11	.	.	PUNCT
hassl-3617	265	1	https://doi.org/10.1007/s41464-017-0040-0	https://doi.org/10.1007/s41464-017-0040-0	PROPN
hassl-3617	265	2	koomson	koomson	PROPN
hassl-3617	265	3	,	,	PUNCT
hassl-3617	265	4	i.	i.	PROPN
hassl-3617	265	5	,	,	PUNCT
hassl-3617	265	6	villano	villano	PROPN
hassl-3617	265	7	,	,	PUNCT
hassl-3617	265	8	r.	r.	PROPN
hassl-3617	265	9	a.	a.	PROPN
hassl-3617	265	10	,	,	PUNCT
hassl-3617	265	11	&	&	CCONJ
hassl-3617	265	12	hadley	hadley	PROPN
hassl-3617	265	13	,	,	PUNCT
hassl-3617	265	14	d.	d.	PROPN
hassl-3617	265	15	(	(	PUNCT
hassl-3617	265	16	2020	2020	NUM
hassl-3617	265	17	)	)	PUNCT
hassl-3617	265	18	.	.	PUNCT
hassl-3617	266	1	intensifying	intensify	VERB
hassl-3617	266	2	financial	financial	ADJ
hassl-3617	266	3	inclusion	inclusion	NOUN
hassl-3617	266	4	through	through	ADP
hassl-3617	266	5	the	the	DET
hassl-3617	266	6	provision	provision	NOUN
hassl-3617	266	7	of	of	ADP
hassl-3617	266	8	financial	financial	ADJ
hassl-3617	266	9	literacy	literacy	NOUN
hassl-3617	266	10	training	training	NOUN
hassl-3617	266	11	:	:	PUNCT
hassl-3617	266	12	a	a	DET
hassl-3617	266	13	gendered	gendere	VERB
hassl-3617	266	14	perspective	perspective	NOUN
hassl-3617	266	15	.	.	PUNCT
hassl-3617	267	1	applied	apply	VERB
hassl-3617	267	2	economics	economic	NOUN
hassl-3617	267	3	,	,	PUNCT
hassl-3617	267	4	52(4	52(4	NUM
hassl-3617	267	5	)	)	PUNCT
hassl-3617	267	6	,	,	PUNCT
hassl-3617	267	7	375	375	NUM
hassl-3617	267	8	-	-	SYM
hassl-3617	267	9	387	387	NUM
hassl-3617	267	10	.	.	PUNCT
hassl-3617	267	11	https://doi.org/10.1080/00036846.2019.1645943	https://doi.org/10.1080/00036846.2019.1645943	PROPN
hassl-3617	267	12	lai	lai	PROPN
hassl-3617	267	13	,	,	PUNCT
hassl-3617	267	14	j.	j.	PROPN
hassl-3617	267	15	t.	t.	PROPN
hassl-3617	267	16	,	,	PUNCT
hassl-3617	267	17	yan	yan	PROPN
hassl-3617	267	18	,	,	PUNCT
hassl-3617	267	19	i.	i.	PROPN
hassl-3617	267	20	k.	k.	PROPN
hassl-3617	267	21	,	,	PUNCT
hassl-3617	267	22	yi	yi	PROPN
hassl-3617	267	23	,	,	PUNCT
hassl-3617	267	24	x.	x.	PROPN
hassl-3617	267	25	,	,	PUNCT
hassl-3617	267	26	&	&	CCONJ
hassl-3617	267	27	zhang	zhang	PROPN
hassl-3617	267	28	,	,	PUNCT
hassl-3617	267	29	h.	h.	PROPN
hassl-3617	267	30	(	(	PUNCT
hassl-3617	267	31	2020	2020	NUM
hassl-3617	267	32	)	)	PUNCT
hassl-3617	267	33	.	.	PUNCT
hassl-3617	268	1	digital	digital	ADJ
hassl-3617	268	2	financial	financial	ADJ
hassl-3617	268	3	inclusion	inclusion	NOUN
hassl-3617	268	4	and	and	CCONJ
hassl-3617	268	5	consumption	consumption	NOUN
hassl-3617	268	6	smoothing	smoothing	NOUN
hassl-3617	268	7	in	in	ADP
hassl-3617	268	8	china	china	PROPN
hassl-3617	268	9	.	.	PUNCT
hassl-3617	269	1	china	china	PROPN
hassl-3617	269	2	&	&	CCONJ
hassl-3617	269	3	world	world	PROPN
hassl-3617	269	4	economy	economy	PROPN
hassl-3617	269	5	,	,	PUNCT
hassl-3617	269	6	28(1	28(1	NOUN
hassl-3617	269	7	)	)	PUNCT
hassl-3617	269	8	,	,	PUNCT
hassl-3617	269	9	64	64	NUM
hassl-3617	269	10	-	-	SYM
hassl-3617	269	11	93	93	NUM
hassl-3617	269	12	.	.	PUNCT
hassl-3617	270	1	https://doi.org/10.1111/cwe.12312	https://doi.org/10.1111/cwe.12312	PROPN
hassl-3617	270	2	lutfi	lutfi	PROPN
hassl-3617	270	3	,	,	PUNCT
hassl-3617	270	4	a.	a.	PROPN
hassl-3617	270	5	,	,	PUNCT
hassl-3617	270	6	al	al	PROPN
hassl-3617	270	7	-	-	PUNCT
hassl-3617	270	8	okaily	okaily	ADV
hassl-3617	270	9	,	,	PUNCT
hassl-3617	270	10	m.	m.	NOUN
hassl-3617	270	11	,	,	PUNCT
hassl-3617	270	12	alshirah	alshirah	PROPN
hassl-3617	270	13	,	,	PUNCT
hassl-3617	270	14	m.	m.	NOUN
hassl-3617	270	15	h.	h.	PROPN
hassl-3617	270	16	,	,	PUNCT
hassl-3617	270	17	alshira’h	alshira’h	ADV
hassl-3617	270	18	,	,	PUNCT
hassl-3617	270	19	a.	a.	PROPN
hassl-3617	270	20	f.	f.	PROPN
hassl-3617	270	21	,	,	PUNCT
hassl-3617	270	22	abutaber	abutaber	PROPN
hassl-3617	270	23	,	,	PUNCT
hassl-3617	270	24	t.	t.	PROPN
hassl-3617	270	25	a.	a.	PROPN
hassl-3617	270	26	,	,	PUNCT
hassl-3617	270	27	&	&	CCONJ
hassl-3617	270	28	almarashdah	almarashdah	PROPN
hassl-3617	270	29	,	,	PUNCT
hassl-3617	270	30	m.	m.	NOUN
hassl-3617	270	31	a.	a.	NOUN
hassl-3617	270	32	(	(	PUNCT
hassl-3617	270	33	2021	2021	NUM
hassl-3617	270	34	)	)	PUNCT
hassl-3617	270	35	.	.	PUNCT
hassl-3617	271	1	digital	digital	ADJ
hassl-3617	271	2	financial	financial	ADJ
hassl-3617	271	3	inclusion	inclusion	NOUN
hassl-3617	271	4	sustainability	sustainability	NOUN
hassl-3617	271	5	in	in	ADP
hassl-3617	271	6	jordanian	jordanian	ADJ
hassl-3617	271	7	context	context	NOUN
hassl-3617	271	8	.	.	PUNCT
hassl-3617	272	1	sustainability	sustainability	NOUN
hassl-3617	272	2	,	,	PUNCT
hassl-3617	272	3	13(11	13(11	NUM
hassl-3617	272	4	)	)	PUNCT
hassl-3617	272	5	,	,	PUNCT
hassl-3617	272	6	6312	6312	NUM
hassl-3617	272	7	.	.	PUNCT
hassl-3617	273	1	https://doi.org/10.3390/su13116312	https://doi.org/10.3390/su13116312	PROPN
hassl-3617	273	2	morgan	morgan	PROPN
hassl-3617	273	3	,	,	PUNCT
hassl-3617	273	4	p.	p.	PROPN
hassl-3617	273	5	j.	j.	PROPN
hassl-3617	273	6	,	,	PUNCT
hassl-3617	273	7	huang	huang	PROPN
hassl-3617	273	8	,	,	PUNCT
hassl-3617	273	9	b.	b.	PROPN
hassl-3617	273	10	,	,	PUNCT
hassl-3617	273	11	&	&	CCONJ
hassl-3617	273	12	trinh	trinh	PROPN
hassl-3617	273	13	,	,	PUNCT
hassl-3617	273	14	l.	l.	PROPN
hassl-3617	273	15	q.	q.	PROPN
hassl-3617	273	16	(	(	PUNCT
hassl-3617	273	17	2019	2019	NUM
hassl-3617	273	18	)	)	PUNCT
hassl-3617	273	19	.	.	PUNCT
hassl-3617	274	1	the	the	DET
hassl-3617	274	2	need	need	NOUN
hassl-3617	274	3	to	to	PART
hassl-3617	274	4	promote	promote	VERB
hassl-3617	274	5	digital	digital	ADJ
hassl-3617	274	6	financial	financial	ADJ
hassl-3617	274	7	literacy	literacy	NOUN
hassl-3617	274	8	for	for	ADP
hassl-3617	274	9	the	the	DET
hassl-3617	274	10	digital	digital	ADJ
hassl-3617	274	11	age	age	NOUN
hassl-3617	274	12	.	.	PUNCT
hassl-3617	275	1	the	the	DET
hassl-3617	275	2	future	future	NOUN
hassl-3617	275	3	of	of	ADP
hassl-3617	275	4	work	work	NOUN
hassl-3617	275	5	and	and	CCONJ
hassl-3617	275	6	education	education	NOUN
hassl-3617	275	7	for	for	ADP
hassl-3617	275	8	the	the	DET
hassl-3617	275	9	digital	digital	ADJ
hassl-3617	275	10	age	age	NOUN
hassl-3617	275	11	,	,	PUNCT
hassl-3617	275	12	1	1	NUM
hassl-3617	275	13	-	-	SYM
hassl-3617	275	14	9	9	NUM
hassl-3617	275	15	.	.	PUNCT
hassl-3617	275	16	morgan	morgan	PROPN
hassl-3617	275	17	,	,	PUNCT
hassl-3617	275	18	p.	p.	PROPN
hassl-3617	275	19	j.	j.	PROPN
hassl-3617	275	20	,	,	PUNCT
hassl-3617	275	21	&	&	CCONJ
hassl-3617	275	22	long	long	ADV
hassl-3617	275	23	,	,	PUNCT
hassl-3617	275	24	t.	t.	PROPN
hassl-3617	275	25	q.	q.	PROPN
hassl-3617	275	26	(	(	PUNCT
hassl-3617	275	27	2020	2020	NUM
hassl-3617	275	28	)	)	PUNCT
hassl-3617	275	29	.	.	PUNCT
hassl-3617	276	1	financial	financial	ADJ
hassl-3617	276	2	literacy	literacy	NOUN
hassl-3617	276	3	,	,	PUNCT
hassl-3617	276	4	financial	financial	ADJ
hassl-3617	276	5	inclusion	inclusion	NOUN
hassl-3617	276	6	,	,	PUNCT
hassl-3617	276	7	and	and	CCONJ
hassl-3617	276	8	savings	saving	NOUN
hassl-3617	276	9	behavior	behavior	NOUN
hassl-3617	276	10	in	in	ADP
hassl-3617	276	11	laos	laos	PROPN
hassl-3617	276	12	.	.	PUNCT
hassl-3617	277	1	journal	journal	PROPN
hassl-3617	277	2	of	of	ADP
hassl-3617	277	3	asian	asian	ADJ
hassl-3617	277	4	economics	economic	NOUN
hassl-3617	277	5	,	,	PUNCT
hassl-3617	277	6	68	68	NUM
hassl-3617	277	7	,	,	PUNCT
hassl-3617	277	8	101197	101197	NUM
hassl-3617	277	9	.	.	PUNCT
hassl-3617	278	1	https://doi.org/10.1016/j.asieco.2020.101197	https://doi.org/10.1016/j.asieco.2020.101197	PROPN
hassl-3617	278	2	mpofu	mpofu	PROPN
hassl-3617	278	3	,	,	PUNCT
hassl-3617	278	4	f.	f.	PROPN
hassl-3617	278	5	y.	y.	PROPN
hassl-3617	278	6	,	,	PUNCT
hassl-3617	278	7	&	&	CCONJ
hassl-3617	278	8	mhlanga	mhlanga	PROPN
hassl-3617	278	9	,	,	PUNCT
hassl-3617	278	10	d.	d.	PROPN
hassl-3617	278	11	(	(	PUNCT
hassl-3617	278	12	2022	2022	NUM
hassl-3617	278	13	)	)	PUNCT
hassl-3617	278	14	.	.	PUNCT
hassl-3617	279	1	digital	digital	ADJ
hassl-3617	279	2	financial	financial	ADJ
hassl-3617	279	3	inclusion	inclusion	NOUN
hassl-3617	279	4	,	,	PUNCT
hassl-3617	279	5	digital	digital	ADJ
hassl-3617	279	6	financial	financial	ADJ
hassl-3617	279	7	services	service	NOUN
hassl-3617	279	8	tax	tax	NOUN
hassl-3617	279	9	and	and	CCONJ
hassl-3617	279	10	financial	financial	ADJ
hassl-3617	279	11	inclusion	inclusion	NOUN
hassl-3617	279	12	in	in	ADP
hassl-3617	279	13	the	the	DET
hassl-3617	279	14	fourth	fourth	PROPN
hassl-3617	279	15	industrial	industrial	PROPN
hassl-3617	279	16	revolution	revolution	PROPN
hassl-3617	279	17	era	era	NOUN
hassl-3617	279	18	in	in	ADP
hassl-3617	279	19	africa	africa	PROPN
hassl-3617	279	20	.	.	PUNCT
hassl-3617	280	1	economies	economy	NOUN
hassl-3617	280	2	,	,	PUNCT
hassl-3617	280	3	10(8	10(8	NOUN
hassl-3617	280	4	)	)	PUNCT
hassl-3617	280	5	,	,	PUNCT
hassl-3617	280	6	184	184	NUM
hassl-3617	280	7	.	.	PUNCT
hassl-3617	281	1	https://doi.org/10.3390/economies10080184	https://doi.org/10.3390/economies10080184	PROPN
hassl-3617	281	2	naumenkova	naumenkova	PROPN
hassl-3617	281	3	,	,	PUNCT
hassl-3617	281	4	s.	s.	PROPN
hassl-3617	281	5	,	,	PUNCT
hassl-3617	281	6	mishchenko	mishchenko	PROPN
hassl-3617	281	7	,	,	PUNCT
hassl-3617	281	8	s.	s.	PROPN
hassl-3617	281	9	,	,	PUNCT
hassl-3617	281	10	&	&	CCONJ
hassl-3617	281	11	dorofeiev	dorofeiev	PROPN
hassl-3617	281	12	,	,	PUNCT
hassl-3617	281	13	d.	d.	PROPN
hassl-3617	281	14	(	(	PUNCT
hassl-3617	281	15	2019	2019	NUM
hassl-3617	281	16	)	)	PUNCT
hassl-3617	281	17	.	.	PUNCT
hassl-3617	282	1	digital	digital	ADJ
hassl-3617	282	2	financial	financial	ADJ
hassl-3617	282	3	inclusion	inclusion	NOUN
hassl-3617	282	4	:	:	PUNCT
hassl-3617	282	5	evidence	evidence	NOUN
hassl-3617	282	6	from	from	ADP
hassl-3617	282	7	ukraine	ukraine	PROPN
hassl-3617	282	8	.	.	PUNCT
hassl-3617	283	1	investment	investment	NOUN
hassl-3617	283	2	management	management	PROPN
hassl-3617	283	3	&	&	CCONJ
hassl-3617	283	4	financial	financial	ADJ
hassl-3617	283	5	innovations	innovation	NOUN
hassl-3617	283	6	,	,	PUNCT
hassl-3617	283	7	16(3	16(3	NOUN
hassl-3617	283	8	)	)	PUNCT
hassl-3617	283	9	,	,	PUNCT
hassl-3617	283	10	194	194	NUM
hassl-3617	283	11	-	-	SYM
hassl-3617	283	12	205	205	NUM
hassl-3617	283	13	.	.	PUNCT
hassl-3617	284	1	http://dx.doi.org/10.21511/imfi.16(3).2019.18	http://dx.doi.org/10.21511/imfi.16(3).2019.18	PROPN
hassl-3617	284	2	prasad	prasad	PROPN
hassl-3617	284	3	,	,	PUNCT
hassl-3617	284	4	h.	h.	PROPN
hassl-3617	284	5	,	,	PUNCT
hassl-3617	284	6	meghwal	meghwal	PROPN
hassl-3617	284	7	,	,	PUNCT
hassl-3617	284	8	d.	d.	PROPN
hassl-3617	284	9	,	,	PUNCT
hassl-3617	284	10	&	&	CCONJ
hassl-3617	284	11	dayama	dayama	NOUN
hassl-3617	284	12	,	,	PUNCT
hassl-3617	284	13	v.	v.	PROPN
hassl-3617	284	14	(	(	PUNCT
hassl-3617	284	15	2018	2018	NUM
hassl-3617	284	16	)	)	PUNCT
hassl-3617	284	17	.	.	PUNCT
hassl-3617	285	1	digital	digital	ADJ
hassl-3617	285	2	financial	financial	ADJ
hassl-3617	285	3	literacy	literacy	NOUN
hassl-3617	285	4	:	:	PUNCT
hassl-3617	285	5	a	a	DET
hassl-3617	285	6	study	study	NOUN
hassl-3617	285	7	of	of	ADP
hassl-3617	285	8	households	household	NOUN
hassl-3617	285	9	of	of	ADP
hassl-3617	285	10	udaipur	udaipur	PROPN
hassl-3617	285	11	.	.	PUNCT
hassl-3617	286	1	journal	journal	PROPN
hassl-3617	286	2	of	of	ADP
hassl-3617	286	3	business	business	NOUN
hassl-3617	286	4	and	and	CCONJ
hassl-3617	286	5	management	management	NOUN
hassl-3617	286	6	,	,	PUNCT
hassl-3617	286	7	5	5	NUM
hassl-3617	286	8	,	,	PUNCT
hassl-3617	286	9	23	23	NUM
hassl-3617	286	10	-	-	SYM
hassl-3617	286	11	32	32	NUM
hassl-3617	286	12	.	.	PUNCT
hassl-3617	287	1	https://doi.org/10.3126/jbm.v5i0.27385	https://doi.org/10.3126/jbm.v5i0.27385	PROPN
hassl-3617	287	2	rahayu	rahayu	PROPN
hassl-3617	287	3	,	,	PUNCT
hassl-3617	287	4	r.	r.	PROPN
hassl-3617	287	5	,	,	PUNCT
hassl-3617	287	6	ali	ali	PROPN
hassl-3617	287	7	,	,	PUNCT
hassl-3617	287	8	s.	s.	PROPN
hassl-3617	287	9	,	,	PUNCT
hassl-3617	287	10	aulia	aulia	PROPN
hassl-3617	287	11	,	,	PUNCT
hassl-3617	287	12	a.	a.	NOUN
hassl-3617	287	13	,	,	PUNCT
hassl-3617	287	14	&	&	CCONJ
hassl-3617	287	15	hidayah	hidayah	PROPN
hassl-3617	287	16	,	,	PUNCT
hassl-3617	287	17	r.	r.	PROPN
hassl-3617	287	18	(	(	PUNCT
hassl-3617	287	19	2022	2022	NUM
hassl-3617	287	20	)	)	PUNCT
hassl-3617	287	21	.	.	PUNCT
hassl-3617	288	1	the	the	DET
hassl-3617	288	2	current	current	ADJ
hassl-3617	288	3	digital	digital	ADJ
hassl-3617	288	4	financial	financial	ADJ
hassl-3617	288	5	literacy	literacy	NOUN
hassl-3617	288	6	and	and	CCONJ
hassl-3617	288	7	financial	financial	ADJ
hassl-3617	288	8	behavior	behavior	NOUN
hassl-3617	288	9	in	in	ADP
hassl-3617	288	10	indonesian	indonesian	ADJ
hassl-3617	288	11	millennial	millennial	ADJ
hassl-3617	288	12	generation	generation	NOUN
hassl-3617	288	13	.	.	PUNCT
hassl-3617	289	1	journal	journal	NOUN
hassl-3617	289	2	of	of	ADP
hassl-3617	289	3	accounting	accounting	NOUN
hassl-3617	289	4	and	and	CCONJ
hassl-3617	289	5	investment	investment	NOUN
hassl-3617	289	6	,	,	PUNCT
hassl-3617	289	7	23(1	23(1	NOUN
hassl-3617	289	8	)	)	PUNCT
hassl-3617	289	9	,	,	PUNCT
hassl-3617	289	10	78	78	NUM
hassl-3617	289	11	-	-	SYM
hassl-3617	289	12	94	94	NUM
hassl-3617	289	13	.	.	PUNCT
hassl-3617	290	1	https://doi.org/10.18196/jai.v23i1.13205	https://doi.org/10.18196/jai.v23i1.13205	NOUN
hassl-3617	290	2	ranabhat	ranabhat	PROPN
hassl-3617	290	3	,	,	PUNCT
hassl-3617	290	4	d.	d.	PROPN
hassl-3617	290	5	,	,	PUNCT
hassl-3617	290	6	verma	verma	PROPN
hassl-3617	290	7	,	,	PUNCT
hassl-3617	290	8	n.	n.	PROPN
hassl-3617	290	9	,	,	PUNCT
hassl-3617	290	10	kumar	kumar	PROPN
hassl-3617	290	11	,	,	PUNCT
hassl-3617	290	12	d.	d.	PROPN
hassl-3617	290	13	,	,	PUNCT
hassl-3617	290	14	&	&	CCONJ
hassl-3617	290	15	siringoringo	siringoringo	PROPN
hassl-3617	290	16	,	,	PUNCT
hassl-3617	290	17	h.	h.	PROPN
hassl-3617	290	18	j.	j.	PROPN
hassl-3617	290	19	i.	i.	PROPN
hassl-3617	290	20	j.	j.	PROPN
hassl-3617	290	21	o.	o.	PROPN
hassl-3617	290	22	e.	e.	PROPN
hassl-3617	290	23	f.	f.	PROPN
hassl-3617	290	24	(	(	PUNCT
hassl-3617	290	25	2022	2022	NUM
hassl-3617	290	26	)	)	PUNCT
hassl-3617	290	27	.	.	PUNCT
hassl-3617	291	1	the	the	DET
hassl-3617	291	2	adoption	adoption	NOUN
hassl-3617	291	3	of	of	ADP
hassl-3617	291	4	digital	digital	ADJ
hassl-3617	291	5	financial	financial	ADJ
hassl-3617	291	6	inclusion	inclusion	NOUN
hassl-3617	291	7	in	in	ADP
hassl-3617	291	8	developing	develop	VERB
hassl-3617	291	9	countries	country	NOUN
hassl-3617	291	10	.	.	PUNCT
hassl-3617	292	1	a	a	DET
hassl-3617	292	2	systematic	systematic	ADJ
hassl-3617	292	3	literature	literature	NOUN
hassl-3617	292	4	review	review	NOUN
hassl-3617	292	5	,	,	PUNCT
hassl-3617	292	6	11(2	11(2	NUM
hassl-3617	292	7	)	)	PUNCT
hassl-3617	292	8	,	,	PUNCT
hassl-3617	292	9	117	117	NUM
hassl-3617	292	10	-	-	SYM
hassl-3617	292	11	142	142	NUM
hassl-3617	292	12	.	.	PUNCT
hassl-3617	293	1	sadayan	sadayan	PROPN
hassl-3617	293	2	,	,	PUNCT
hassl-3617	293	3	s.	s.	PROPN
hassl-3617	293	4	m.	m.	PROPN
hassl-3617	293	5	k.	k.	PROPN
hassl-3617	293	6	,	,	PUNCT
hassl-3617	293	7	&	&	CCONJ
hassl-3617	293	8	rao	rao	PROPN
hassl-3617	293	9	,	,	PUNCT
hassl-3617	293	10	k.	k.	PROPN
hassl-3617	293	11	(	(	PUNCT
hassl-3617	293	12	2017	2017	NUM
hassl-3617	293	13	)	)	PUNCT
hassl-3617	293	14	.	.	PUNCT
hassl-3617	294	1	digital	digital	PROPN
hassl-3617	294	2	inclusion	inclusion	NOUN
hassl-3617	294	3	index	index	NOUN
hassl-3617	294	4	:	:	PUNCT
hassl-3617	294	5	a	a	DET
hassl-3617	294	6	measurement	measurement	NOUN
hassl-3617	294	7	of	of	ADP
hassl-3617	294	8	ict	ict	PROPN
hassl-3617	294	9	advancements	advancement	NOUN
hassl-3617	294	10	in	in	ADP
hassl-3617	294	11	bahrain	bahrain	NOUN
hassl-3617	294	12	&	&	CCONJ
hassl-3617	294	13	gcc	gcc	NOUN
hassl-3617	294	14	.	.	PUNCT
hassl-3617	295	1	international	international	ADJ
hassl-3617	295	2	journal	journal	PROPN
hassl-3617	295	3	of	of	ADP
hassl-3617	295	4	computing	computing	NOUN
hassl-3617	295	5	and	and	CCONJ
hassl-3617	295	6	network	network	NOUN
hassl-3617	295	7	technology	technology	NOUN
hassl-3617	295	8	,	,	PUNCT
hassl-3617	295	9	5(02	5(02	NUM
hassl-3617	295	10	)	)	PUNCT
hassl-3617	295	11	,	,	PUNCT
hassl-3617	295	12	59	59	NUM
hassl-3617	295	13	-	-	SYM
hassl-3617	295	14	64	64	NUM
hassl-3617	295	15	.	.	PUNCT
hassl-3617	296	1	https://doi.org/10.12785/ijcnt/050203	https://doi.org/10.12785/ijcnt/050203	PROPN
hassl-3617	296	2	setiawan	setiawan	PROPN
hassl-3617	296	3	,	,	PUNCT
hassl-3617	296	4	m.	m.	NOUN
hassl-3617	296	5	,	,	PUNCT
hassl-3617	296	6	effendi	effendi	X
hassl-3617	296	7	,	,	PUNCT
hassl-3617	296	8	n.	n.	NOUN
hassl-3617	296	9	,	,	PUNCT
hassl-3617	296	10	santoso	santoso	NOUN
hassl-3617	296	11	,	,	PUNCT
hassl-3617	296	12	t.	t.	PROPN
hassl-3617	296	13	,	,	PUNCT
hassl-3617	296	14	dewi	dewi	PROPN
hassl-3617	296	15	,	,	PUNCT
hassl-3617	296	16	v.	v.	PROPN
hassl-3617	296	17	i.	i.	PROPN
hassl-3617	296	18	,	,	PUNCT
hassl-3617	296	19	&	&	CCONJ
hassl-3617	296	20	sapulette	sapulette	PROPN
hassl-3617	296	21	,	,	PUNCT
hassl-3617	296	22	m.	m.	NOUN
hassl-3617	296	23	s.	s.	PROPN
hassl-3617	296	24	(	(	PUNCT
hassl-3617	296	25	2022	2022	NUM
hassl-3617	296	26	)	)	PUNCT
hassl-3617	296	27	.	.	PUNCT
hassl-3617	297	1	digital	digital	ADJ
hassl-3617	297	2	financial	financial	ADJ
hassl-3617	297	3	literacy	literacy	NOUN
hassl-3617	297	4	,	,	PUNCT
hassl-3617	297	5	current	current	ADJ
hassl-3617	297	6	behavior	behavior	NOUN
hassl-3617	297	7	of	of	ADP
hassl-3617	297	8	saving	saving	NOUN
hassl-3617	297	9	and	and	CCONJ
hassl-3617	297	10	spending	spending	NOUN
hassl-3617	297	11	and	and	CCONJ
hassl-3617	297	12	its	its	PRON
hassl-3617	297	13	future	future	ADJ
hassl-3617	297	14	foresight	foresight	NOUN
hassl-3617	297	15	.	.	PUNCT
hassl-3617	298	1	economics	economic	NOUN
hassl-3617	298	2	of	of	ADP
hassl-3617	298	3	innovation	innovation	NOUN
hassl-3617	298	4	and	and	CCONJ
hassl-3617	298	5	new	new	ADJ
hassl-3617	298	6	technology	technology	NOUN
hassl-3617	298	7	,	,	PUNCT
hassl-3617	298	8	31(4	31(4	NUM
hassl-3617	298	9	)	)	PUNCT
hassl-3617	298	10	,	,	PUNCT
hassl-3617	298	11	320	320	NUM
hassl-3617	298	12	-	-	SYM
hassl-3617	298	13	338	338	NUM
hassl-3617	298	14	.	.	PUNCT
hassl-3617	299	1	https://doi.org/10.1080/10438599.2020.1799142	https://doi.org/10.1080/10438599.2020.1799142	PROPN
hassl-3617	299	2	shen	shen	PROPN
hassl-3617	299	3	,	,	PUNCT
hassl-3617	299	4	y.	y.	PROPN
hassl-3617	299	5	,	,	PUNCT
hassl-3617	299	6	hu	hu	PROPN
hassl-3617	299	7	,	,	PUNCT
hassl-3617	299	8	w.	w.	PROPN
hassl-3617	299	9	,	,	PUNCT
hassl-3617	299	10	&	&	CCONJ
hassl-3617	299	11	hueng	hueng	PROPN
hassl-3617	299	12	,	,	PUNCT
hassl-3617	299	13	c.	c.	PROPN
hassl-3617	299	14	j.	j.	PROPN
hassl-3617	299	15	(	(	PUNCT
hassl-3617	299	16	2018	2018	NUM
hassl-3617	299	17	)	)	PUNCT
hassl-3617	299	18	.	.	PUNCT
hassl-3617	300	1	the	the	DET
hassl-3617	300	2	effects	effect	NOUN
hassl-3617	300	3	of	of	ADP
hassl-3617	300	4	financial	financial	ADJ
hassl-3617	300	5	literacy	literacy	NOUN
hassl-3617	300	6	,	,	PUNCT
hassl-3617	300	7	digital	digital	ADJ
hassl-3617	300	8	financial	financial	ADJ
hassl-3617	300	9	product	product	NOUN
hassl-3617	300	10	usage	usage	NOUN
hassl-3617	300	11	and	and	CCONJ
hassl-3617	300	12	internet	internet	NOUN
hassl-3617	300	13	usage	usage	NOUN
hassl-3617	300	14	on	on	ADP
hassl-3617	300	15	financial	financial	ADJ
hassl-3617	300	16	inclusion	inclusion	NOUN
hassl-3617	300	17	in	in	ADP
hassl-3617	300	18	china	china	PROPN
hassl-3617	300	19	.	.	PUNCT
hassl-3617	301	1	paper	paper	PROPN
hassl-3617	301	2	presented	present	VERB
hassl-3617	301	3	at	at	ADP
hassl-3617	301	4	the	the	DET
hassl-3617	301	5	the	the	DET
hassl-3617	301	6	matec	matec	ADJ
hassl-3617	301	7	web	web	NOUN
hassl-3617	301	8	of	of	ADP
hassl-3617	301	9	conferences	conference	NOUN
hassl-3617	301	10	.	.	PUNCT
hassl-3617	302	1	solo	solo	NOUN
hassl-3617	302	2	,	,	PUNCT
hassl-3617	302	3	t.	t.	NOUN
hassl-3617	302	4	m.	m.	NOUN
hassl-3617	302	5	(	(	PUNCT
hassl-3617	302	6	2008	2008	NUM
hassl-3617	302	7	)	)	PUNCT
hassl-3617	302	8	.	.	PUNCT
hassl-3617	303	1	financial	financial	ADJ
hassl-3617	303	2	exclusion	exclusion	NOUN
hassl-3617	303	3	in	in	ADP
hassl-3617	303	4	latin	latin	PROPN
hassl-3617	303	5	america	america	PROPN
hassl-3617	303	6	—	—	PUNCT
hassl-3617	303	7	or	or	CCONJ
hassl-3617	303	8	the	the	DET
hassl-3617	303	9	social	social	ADJ
hassl-3617	303	10	costs	cost	NOUN
hassl-3617	303	11	of	of	ADP
hassl-3617	303	12	not	not	PART
hassl-3617	303	13	banking	bank	VERB
hassl-3617	303	14	the	the	DET
hassl-3617	303	15	urban	urban	ADJ
hassl-3617	303	16	poor	poor	ADJ
hassl-3617	303	17	.	.	PUNCT
hassl-3617	304	1	environment	environment	NOUN
hassl-3617	304	2	and	and	CCONJ
hassl-3617	304	3	urbanization	urbanization	NOUN
hassl-3617	304	4	,	,	PUNCT
hassl-3617	304	5	20(1	20(1	NUM
hassl-3617	304	6	)	)	PUNCT
hassl-3617	304	7	,	,	PUNCT
hassl-3617	304	8	47	47	NUM
hassl-3617	304	9	-	-	SYM
hassl-3617	304	10	66	66	NUM
hassl-3617	304	11	.	.	PUNCT
hassl-3617	305	1	https://doi.org/10.1177/0956247808089148	https://doi.org/10.1177/0956247808089148	PRON
hassl-3617	305	2	tay	tay	NOUN
hassl-3617	305	3	,	,	PUNCT
hassl-3617	305	4	l.-y	l.-y	VERB
hassl-3617	305	5	.	.	PUNCT
hassl-3617	305	6	,	,	PUNCT
hassl-3617	305	7	tai	tai	PROPN
hassl-3617	305	8	,	,	PUNCT
hassl-3617	305	9	h.-t	h.-t	NOUN
hassl-3617	305	10	.	.	PUNCT
hassl-3617	305	11	,	,	PUNCT
hassl-3617	305	12	&	&	CCONJ
hassl-3617	305	13	tan	tan	PROPN
hassl-3617	305	14	,	,	PUNCT
hassl-3617	305	15	g.-s	g.-s	PROPN
hassl-3617	305	16	.	.	PUNCT
hassl-3617	306	1	(	(	PUNCT
hassl-3617	306	2	2022	2022	NUM
hassl-3617	306	3	)	)	PUNCT
hassl-3617	306	4	.	.	PUNCT
hassl-3617	307	1	digital	digital	ADJ
hassl-3617	307	2	financial	financial	ADJ
hassl-3617	307	3	inclusion	inclusion	NOUN
hassl-3617	307	4	:	:	PUNCT
hassl-3617	307	5	a	a	DET
hassl-3617	307	6	gateway	gateway	NOUN
hassl-3617	307	7	to	to	ADP
hassl-3617	307	8	sustainable	sustainable	ADJ
hassl-3617	307	9	development	development	NOUN
hassl-3617	307	10	.	.	PUNCT
hassl-3617	308	1	heliyon	heliyon	NOUN
hassl-3617	308	2	,	,	PUNCT
hassl-3617	308	3	8(6	8(6	NUM
hassl-3617	308	4	)	)	PUNCT
hassl-3617	308	5	,	,	PUNCT
hassl-3617	308	6	e09766	e09766	PROPN
hassl-3617	308	7	.	.	PUNCT
hassl-3617	309	1	https://doi.org/10.1016/j.heliyon.2022.e09766	https://doi.org/10.1016/j.heliyon.2022.e09766	PROPN
hassl-3617	309	2	wang	wang	PROPN
hassl-3617	309	3	,	,	PUNCT
hassl-3617	309	4	x.	x.	PROPN
hassl-3617	309	5	,	,	PUNCT
hassl-3617	309	6	&	&	CCONJ
hassl-3617	309	7	he	he	PRON
hassl-3617	309	8	,	,	PUNCT
hassl-3617	309	9	g.	g.	PROPN
hassl-3617	309	10	(	(	PUNCT
hassl-3617	309	11	2020	2020	NUM
hassl-3617	309	12	)	)	PUNCT
hassl-3617	309	13	.	.	PUNCT
hassl-3617	310	1	digital	digital	ADJ
hassl-3617	310	2	financial	financial	ADJ
hassl-3617	310	3	inclusion	inclusion	NOUN
hassl-3617	310	4	and	and	CCONJ
hassl-3617	310	5	farmers	farmer	NOUN
hassl-3617	310	6	’	’	PART
hassl-3617	310	7	vulnerability	vulnerability	NOUN
hassl-3617	310	8	to	to	ADP
hassl-3617	310	9	poverty	poverty	NOUN
hassl-3617	310	10	:	:	PUNCT
hassl-3617	310	11	evidence	evidence	NOUN
hassl-3617	310	12	from	from	ADP
hassl-3617	310	13	rural	rural	ADJ
hassl-3617	310	14	china	china	PROPN
hassl-3617	310	15	.	.	PUNCT
hassl-3617	311	1	sustainability	sustainability	NOUN
hassl-3617	311	2	,	,	PUNCT
hassl-3617	311	3	12(4	12(4	NUM
hassl-3617	311	4	)	)	PUNCT
hassl-3617	311	5	,	,	PUNCT
hassl-3617	311	6	1668	1668	NUM
hassl-3617	311	7	.	.	PUNCT
hassl-3617	312	1	https://doi.org/10.3390/su12041668	https://doi.org/10.3390/su12041668	VERB
hassl-3617	312	2	https://doi.org/10.1108/ijse-04-2022-0277	https://doi.org/10.1108/ijse-04-2022-0277	NOUN
hassl-3617	312	3	https://doi.org/10.1108/jec-06-2020-0124	https://doi.org/10.1108/jec-06-2020-0124	NUM
hassl-3617	312	4	https://doi.org/10.1007/s41464-017-0040-0	https://doi.org/10.1007/s41464-017-0040-0	NOUN
hassl-3617	312	5	https://doi.org/10.1080/00036846.2019.1645943	https://doi.org/10.1080/00036846.2019.1645943	PUNCT
hassl-3617	313	1	https://doi.org/10.1111/cwe.12312	https://doi.org/10.1111/cwe.12312	PROPN
hassl-3617	313	2	https://doi.org/10.3390/su13116312	https://doi.org/10.3390/su13116312	PROPN
hassl-3617	313	3	https://doi.org/10.1016/j.asieco.2020.101197	https://doi.org/10.1016/j.asieco.2020.101197	PROPN
hassl-3617	313	4	https://doi.org/10.3390/economies10080184	https://doi.org/10.3390/economies10080184	NOUN
hassl-3617	313	5	http://dx.doi.org/10.21511/imfi.16(3).2019.18	http://dx.doi.org/10.21511/imfi.16(3).2019.18	VERB
hassl-3617	313	6	https://doi.org/10.3126/jbm.v5i0.27385	https://doi.org/10.3126/jbm.v5i0.27385	PROPN
hassl-3617	313	7	https://doi.org/10.18196/jai.v23i1.13205	https://doi.org/10.18196/jai.v23i1.13205	NOUN
hassl-3617	313	8	https://doi.org/10.12785/ijcnt/050203	https://doi.org/10.12785/ijcnt/050203	PROPN
hassl-3617	313	9	https://doi.org/10.1080/10438599.2020.1799142	https://doi.org/10.1080/10438599.2020.1799142	PROPN
hassl-3617	314	1	https://doi.org/10.1177/0956247808089148	https://doi.org/10.1177/0956247808089148	NOUN
hassl-3617	314	2	https://doi.org/10.1016/j.heliyon.2022.e09766	https://doi.org/10.1016/j.heliyon.2022.e09766	PRON
hassl-3617	314	3	https://doi.org/10.3390/su12041668	https://doi.org/10.3390/su12041668	VERB
hassl-3617	314	4	humanities	humanity	NOUN
hassl-3617	314	5	and	and	CCONJ
hassl-3617	314	6	social	social	ADJ
hassl-3617	314	7	sciences	science	NOUN
hassl-3617	314	8	letters	letter	NOUN
hassl-3617	314	9	,	,	PUNCT
hassl-3617	314	10	2024	2024	NUM
hassl-3617	314	11	,	,	PUNCT
hassl-3617	314	12	12(1	12(1	NUM
hassl-3617	314	13	):	):	PUNCT
hassl-3617	314	14	33	33	NUM
hassl-3617	314	15	-	-	SYM
hassl-3617	314	16	42	42	NUM
hassl-3617	314	17	42	42	NUM
hassl-3617	314	18	©	©	PROPN
hassl-3617	314	19	2024	2024	NUM
hassl-3617	314	20	conscientia	conscientia	PROPN
hassl-3617	314	21	beam	beam	PROPN
hassl-3617	314	22	.	.	PUNCT
hassl-3617	315	1	all	all	DET
hassl-3617	315	2	rights	right	NOUN
hassl-3617	315	3	reserved	reserve	VERB
hassl-3617	315	4	.	.	PUNCT
hassl-3617	316	1	widyastuti	widyastuti	NOUN
hassl-3617	316	2	,	,	PUNCT
hassl-3617	316	3	u.	u.	PROPN
hassl-3617	316	4	,	,	PUNCT
hassl-3617	316	5	sumiati	sumiati	PROPN
hassl-3617	316	6	,	,	PUNCT
hassl-3617	316	7	a.	a.	PROPN
hassl-3617	316	8	,	,	PUNCT
hassl-3617	316	9	susanti	susanti	PROPN
hassl-3617	316	10	,	,	PUNCT
hassl-3617	316	11	s.	s.	PROPN
hassl-3617	316	12	,	,	PUNCT
hassl-3617	316	13	&	&	CCONJ
hassl-3617	316	14	suherman	suherman	PROPN
hassl-3617	316	15	.	.	PUNCT
hassl-3617	317	1	(	(	PUNCT
hassl-3617	317	2	2019	2019	NUM
hassl-3617	317	3	)	)	PUNCT
hassl-3617	317	4	.	.	PUNCT
hassl-3617	318	1	financial	financial	ADJ
hassl-3617	318	2	inclusion	inclusion	NOUN
hassl-3617	318	3	at	at	ADP
hassl-3617	318	4	the	the	DET
hassl-3617	318	5	bottom	bottom	NOUN
hassl-3617	318	6	of	of	ADP
hassl-3617	318	7	the	the	DET
hassl-3617	318	8	pyramid	pyramid	NOUN
hassl-3617	318	9	:	:	PUNCT
hassl-3617	318	10	accessibility	accessibility	NOUN
hassl-3617	318	11	,	,	PUNCT
hassl-3617	318	12	usage	usage	NOUN
hassl-3617	318	13	and	and	CCONJ
hassl-3617	318	14	barriers	barrier	NOUN
hassl-3617	318	15	from	from	ADP
hassl-3617	318	16	fishermen	fisherman	NOUN
hassl-3617	318	17	's	's	PART
hassl-3617	318	18	perspective	perspective	NOUN
hassl-3617	318	19	in	in	ADP
hassl-3617	318	20	urban	urban	ADJ
hassl-3617	318	21	areas	area	NOUN
hassl-3617	318	22	.	.	PUNCT
hassl-3617	319	1	international	international	ADJ
hassl-3617	319	2	journal	journal	PROPN
hassl-3617	319	3	of	of	ADP
hassl-3617	319	4	innovation	innovation	NOUN
hassl-3617	319	5	,	,	PUNCT
hassl-3617	319	6	creativity	creativity	NOUN
hassl-3617	319	7	and	and	CCONJ
hassl-3617	319	8	change	change	NOUN
hassl-3617	319	9	,	,	PUNCT
hassl-3617	319	10	9(9	9(9	NUM
hassl-3617	319	11	)	)	PUNCT
hassl-3617	319	12	,	,	PUNCT
hassl-3617	319	13	262	262	NUM
hassl-3617	319	14	-	-	SYM
hassl-3617	319	15	279	279	NUM
hassl-3617	319	16	.	.	PUNCT
hassl-3617	320	1	yang	yang	PROPN
hassl-3617	320	2	,	,	PUNCT
hassl-3617	320	3	l.	l.	PROPN
hassl-3617	320	4	,	,	PUNCT
hassl-3617	320	5	&	&	CCONJ
hassl-3617	320	6	zhang	zhang	PROPN
hassl-3617	320	7	,	,	PUNCT
hassl-3617	320	8	y.	y.	PROPN
hassl-3617	320	9	(	(	PUNCT
hassl-3617	320	10	2020	2020	NUM
hassl-3617	320	11	)	)	PUNCT
hassl-3617	320	12	.	.	PUNCT
hassl-3617	321	1	digital	digital	ADJ
hassl-3617	321	2	financial	financial	ADJ
hassl-3617	321	3	inclusion	inclusion	NOUN
hassl-3617	321	4	and	and	CCONJ
hassl-3617	321	5	sustainable	sustainable	ADJ
hassl-3617	321	6	growth	growth	NOUN
hassl-3617	321	7	of	of	ADP
hassl-3617	321	8	small	small	ADJ
hassl-3617	321	9	and	and	CCONJ
hassl-3617	321	10	micro	micro	ADJ
hassl-3617	321	11	enterprises	enterprise	NOUN
hassl-3617	321	12	—	—	PUNCT
hassl-3617	321	13	evidence	evidence	NOUN
hassl-3617	321	14	based	base	VERB
hassl-3617	321	15	on	on	ADP
hassl-3617	321	16	china	china	PROPN
hassl-3617	321	17	’s	’s	PART
hassl-3617	321	18	new	new	PROPN
hassl-3617	321	19	third	third	ADJ
hassl-3617	321	20	board	board	NOUN
hassl-3617	321	21	market	market	NOUN
hassl-3617	321	22	listed	list	VERB
hassl-3617	321	23	companies	company	NOUN
hassl-3617	321	24	.	.	PUNCT
hassl-3617	322	1	sustainability	sustainability	NOUN
hassl-3617	322	2	,	,	PUNCT
hassl-3617	322	3	12(9	12(9	NUM
hassl-3617	322	4	)	)	PUNCT
hassl-3617	322	5	,	,	PUNCT
hassl-3617	322	6	3733	3733	NUM
hassl-3617	322	7	.	.	PUNCT
hassl-3617	323	1	https://doi.org/10.3390/su12093733	https://doi.org/10.3390/su12093733	ADJ
hassl-3617	323	2	yaw	yaw	NOUN
hassl-3617	323	3	,	,	PUNCT
hassl-3617	323	4	s.-p	s.-p	PROPN
hassl-3617	323	5	.	.	PROPN
hassl-3617	323	6	,	,	PUNCT
hassl-3617	323	7	tan	tan	PROPN
hassl-3617	323	8	,	,	PUNCT
hassl-3617	323	9	g.	g.	PROPN
hassl-3617	323	10	w.-h	w.-h	PROPN
hassl-3617	323	11	.	.	PUNCT
hassl-3617	323	12	,	,	PUNCT
hassl-3617	323	13	foo	foo	PROPN
hassl-3617	323	14	,	,	PUNCT
hassl-3617	323	15	p.-y	p.-y	NOUN
hassl-3617	323	16	.	.	PUNCT
hassl-3617	323	17	,	,	PUNCT
hassl-3617	323	18	leong	leong	PROPN
hassl-3617	323	19	,	,	PUNCT
hassl-3617	323	20	l.-y	l.-y	PROPN
hassl-3617	323	21	.	.	PUNCT
hassl-3617	323	22	,	,	PUNCT
hassl-3617	323	23	&	&	CCONJ
hassl-3617	323	24	ooi	ooi	PROPN
hassl-3617	323	25	,	,	PUNCT
hassl-3617	323	26	k.-b	k.-b	PROPN
hassl-3617	323	27	.	.	PROPN
hassl-3617	324	1	(	(	PUNCT
hassl-3617	324	2	2022	2022	NUM
hassl-3617	324	3	)	)	PUNCT
hassl-3617	324	4	.	.	PUNCT
hassl-3617	325	1	the	the	DET
hassl-3617	325	2	moderating	moderate	VERB
hassl-3617	325	3	role	role	NOUN
hassl-3617	325	4	of	of	ADP
hassl-3617	325	5	gender	gender	NOUN
hassl-3617	325	6	on	on	ADP
hassl-3617	325	7	behavioural	behavioural	ADJ
hassl-3617	325	8	intention	intention	NOUN
hassl-3617	325	9	to	to	PART
hassl-3617	325	10	adopt	adopt	VERB
hassl-3617	325	11	mobile	mobile	ADJ
hassl-3617	325	12	banking	banking	NOUN
hassl-3617	325	13	:	:	PUNCT
hassl-3617	325	14	a	a	DET
hassl-3617	325	15	henseler	henseler	NOUN
hassl-3617	325	16	's	's	PART
hassl-3617	325	17	pls	pls	NOUN
hassl-3617	325	18	-	-	PUNCT
hassl-3617	325	19	mga	mga	PROPN
hassl-3617	325	20	and	and	CCONJ
hassl-3617	325	21	permutation	permutation	NOUN
hassl-3617	325	22	approach	approach	NOUN
hassl-3617	325	23	.	.	PUNCT
hassl-3617	326	1	international	international	ADJ
hassl-3617	326	2	journal	journal	PROPN
hassl-3617	326	3	of	of	ADP
hassl-3617	326	4	mobile	mobile	ADJ
hassl-3617	326	5	communications	communication	NOUN
hassl-3617	326	6	,	,	PUNCT
hassl-3617	326	7	20(6	20(6	NOUN
hassl-3617	326	8	)	)	PUNCT
hassl-3617	326	9	,	,	PUNCT
hassl-3617	326	10	727	727	NUM
hassl-3617	326	11	-	-	SYM
hassl-3617	326	12	758	758	NUM
hassl-3617	326	13	.	.	PUNCT
hassl-3617	327	1	https://doi.org/10.1504/ijmc.2022.125914	https://doi.org/10.1504/ijmc.2022.125914	NOUN
hassl-3617	327	2	views	view	NOUN
hassl-3617	327	3	and	and	CCONJ
hassl-3617	327	4	opinions	opinion	NOUN
hassl-3617	327	5	expressed	express	VERB
hassl-3617	327	6	in	in	ADP
hassl-3617	327	7	this	this	DET
hassl-3617	327	8	article	article	NOUN
hassl-3617	327	9	are	be	AUX
hassl-3617	327	10	the	the	DET
hassl-3617	327	11	views	view	NOUN
hassl-3617	327	12	and	and	CCONJ
hassl-3617	327	13	opinions	opinion	NOUN
hassl-3617	327	14	of	of	ADP
hassl-3617	327	15	the	the	DET
hassl-3617	327	16	author(s	author(s	NOUN
hassl-3617	327	17	)	)	PUNCT
hassl-3617	327	18	,	,	PUNCT
hassl-3617	327	19	humanities	humanity	NOUN
hassl-3617	327	20	and	and	CCONJ
hassl-3617	327	21	social	social	ADJ
hassl-3617	327	22	sciences	science	NOUN
hassl-3617	327	23	letters	letter	NOUN
hassl-3617	327	24	shall	shall	AUX
hassl-3617	327	25	not	not	PART
hassl-3617	327	26	be	be	AUX
hassl-3617	327	27	responsible	responsible	ADJ
hassl-3617	327	28	or	or	CCONJ
hassl-3617	327	29	answerable	answerable	ADJ
hassl-3617	327	30	for	for	ADP
hassl-3617	327	31	any	any	DET
hassl-3617	327	32	loss	loss	NOUN
hassl-3617	327	33	,	,	PUNCT
hassl-3617	327	34	damage	damage	NOUN
hassl-3617	327	35	or	or	CCONJ
hassl-3617	327	36	liability	liability	NOUN
hassl-3617	327	37	etc	etc	X
hassl-3617	327	38	.	.	X
hassl-3617	328	1	caused	cause	VERB
hassl-3617	328	2	in	in	ADP
hassl-3617	328	3	relation	relation	NOUN
hassl-3617	328	4	to	to	PART
hassl-3617	328	5	/	/	PUNCT
hassl-3617	328	6	arising	arise	VERB
hassl-3617	328	7	out	out	ADP
hassl-3617	328	8	of	of	ADP
hassl-3617	328	9	the	the	DET
hassl-3617	328	10	use	use	NOUN
hassl-3617	328	11	of	of	ADP
hassl-3617	328	12	the	the	DET
hassl-3617	328	13	content	content	NOUN
hassl-3617	328	14	.	.	PUNCT
hassl-3617	329	1	https://doi.org/10.3390/su12093733	https://doi.org/10.3390/su12093733	PUNCT
hassl-3617	330	1	https://doi.org/10.1504/ijmc.2022.125914	https://doi.org/10.1504/ijmc.2022.125914	NOUN