id	sid	tid	token	lemma	pos
hassl-3803	1	1	543	543	NUM
hassl-3803	1	2	©	©	PROPN
hassl-3803	1	3	2024	2024	NUM
hassl-3803	1	4	conscientia	conscientia	PROPN
hassl-3803	1	5	beam	beam	PROPN
hassl-3803	1	6	.	.	PUNCT
hassl-3803	2	1	all	all	DET
hassl-3803	2	2	rights	right	NOUN
hassl-3803	2	3	reserved	reserve	VERB
hassl-3803	2	4	.	.	PUNCT
hassl-3803	3	1	intention	intention	NOUN
hassl-3803	3	2	to	to	PART
hassl-3803	3	3	use	use	VERB
hassl-3803	3	4	fintech	fintech	NOUN
hassl-3803	3	5	services	service	NOUN
hassl-3803	3	6	:	:	PUNCT
hassl-3803	3	7	an	an	DET
hassl-3803	3	8	investigation	investigation	NOUN
hassl-3803	3	9	into	into	ADP
hassl-3803	3	10	the	the	DET
hassl-3803	3	11	moderation	moderation	NOUN
hassl-3803	3	12	effects	effect	NOUN
hassl-3803	3	13	of	of	ADP
hassl-3803	3	14	quality	quality	NOUN
hassl-3803	3	15	of	of	ADP
hassl-3803	3	16	internet	internet	NOUN
hassl-3803	3	17	access	access	NOUN
hassl-3803	3	18	and	and	CCONJ
hassl-3803	3	19	digital	digital	ADJ
hassl-3803	3	20	skills	skill	NOUN
hassl-3803	3	21	roshan	roshan	PROPN
hassl-3803	3	22	ravi1,2	ravi1,2	PROPN
hassl-3803	3	23	+	+	CCONJ
hassl-3803	3	24	nirakar	nirakar	ADJ
hassl-3803	3	25	nath	nath	NOUN
hassl-3803	3	26	pandey1	pandey1	PROPN
hassl-3803	4	1	1school	1school	NUM
hassl-3803	4	2	of	of	ADP
hassl-3803	4	3	business	business	NOUN
hassl-3803	4	4	and	and	CCONJ
hassl-3803	4	5	management	management	NOUN
hassl-3803	5	1	,	,	PUNCT
hassl-3803	5	2	christ	christ	PROPN
hassl-3803	5	3	university	university	PROPN
hassl-3803	5	4	,	,	PUNCT
hassl-3803	5	5	bengaluru	bengaluru	PROPN
hassl-3803	5	6	,	,	PUNCT
hassl-3803	5	7	india	india	PROPN
hassl-3803	5	8	.	.	PUNCT
hassl-3803	5	9	email	email	NOUN
hassl-3803	5	10	:	:	PUNCT
hassl-3803	5	11	roshandaffodil@gmail.com	roshandaffodil@gmail.com	X
hassl-3803	6	1	2department	2department	NUM
hassl-3803	6	2	of	of	ADP
hassl-3803	6	3	management	management	NOUN
hassl-3803	6	4	and	and	CCONJ
hassl-3803	6	5	professional	professional	ADJ
hassl-3803	6	6	studies	study	NOUN
hassl-3803	6	7	,	,	PUNCT
hassl-3803	6	8	rajagiri	rajagiri	NOUN
hassl-3803	6	9	college	college	NOUN
hassl-3803	6	10	of	of	ADP
hassl-3803	6	11	social	social	ADJ
hassl-3803	6	12	sciences	sciences	PROPN
hassl-3803	6	13	,	,	PUNCT
hassl-3803	6	14	cochin	cochin	PROPN
hassl-3803	6	15	,	,	PUNCT
hassl-3803	6	16	india	india	PROPN
hassl-3803	6	17	.	.	PUNCT
hassl-3803	6	18	email	email	NOUN
hassl-3803	6	19	:	:	PUNCT
hassl-3803	6	20	nirakarnath.pandey@christuniversity.in	nirakarnath.pandey@christuniversity.in	X
hassl-3803	6	21	(	(	PUNCT
hassl-3803	6	22	+	+	NUM
hassl-3803	6	23	corresponding	correspond	VERB
hassl-3803	6	24	author	author	NOUN
hassl-3803	6	25	)	)	PUNCT
hassl-3803	6	26	abstract	abstract	ADJ
hassl-3803	6	27	article	article	NOUN
hassl-3803	6	28	history	history	NOUN
hassl-3803	6	29	received	receive	VERB
hassl-3803	6	30	:	:	PUNCT
hassl-3803	6	31	13	13	NUM
hassl-3803	6	32	february	february	NOUN
hassl-3803	6	33	2024	2024	NUM
hassl-3803	6	34	revised	revise	VERB
hassl-3803	6	35	:	:	PUNCT
hassl-3803	6	36	24	24	NUM
hassl-3803	6	37	april	april	PROPN
hassl-3803	6	38	2024	2024	NUM
hassl-3803	6	39	accepted	accept	VERB
hassl-3803	6	40	:	:	PUNCT
hassl-3803	6	41	17	17	NUM
hassl-3803	6	42	may	may	PROPN
hassl-3803	6	43	2024	2024	NUM
hassl-3803	6	44	published	publish	VERB
hassl-3803	6	45	:	:	PUNCT
hassl-3803	6	46	9	9	NUM
hassl-3803	6	47	july	july	NOUN
hassl-3803	6	48	2024	2024	NUM
hassl-3803	6	49	keywords	keyword	NOUN
hassl-3803	6	50	attitude	attitude	VERB
hassl-3803	6	51	behavioural	behavioural	ADJ
hassl-3803	6	52	intention	intention	NOUN
hassl-3803	6	53	digital	digital	ADJ
hassl-3803	6	54	skills	skill	NOUN
hassl-3803	6	55	perceived	perceive	VERB
hassl-3803	6	56	behavioural	behavioural	ADJ
hassl-3803	6	57	control	control	NOUN
hassl-3803	6	58	quality	quality	NOUN
hassl-3803	6	59	of	of	ADP
hassl-3803	6	60	internet	internet	NOUN
hassl-3803	6	61	access	access	NOUN
hassl-3803	6	62	.	.	PUNCT
hassl-3803	7	1	this	this	DET
hassl-3803	7	2	paper	paper	NOUN
hassl-3803	7	3	aims	aim	VERB
hassl-3803	7	4	to	to	PART
hassl-3803	7	5	investigate	investigate	VERB
hassl-3803	7	6	the	the	DET
hassl-3803	7	7	moderating	moderate	VERB
hassl-3803	7	8	influence	influence	NOUN
hassl-3803	7	9	of	of	ADP
hassl-3803	7	10	the	the	DET
hassl-3803	7	11	quality	quality	NOUN
hassl-3803	7	12	of	of	ADP
hassl-3803	7	13	access	access	NOUN
hassl-3803	7	14	to	to	ADP
hassl-3803	7	15	internet	internet	NOUN
hassl-3803	7	16	and	and	CCONJ
hassl-3803	7	17	digital	digital	ADJ
hassl-3803	7	18	skills	skill	NOUN
hassl-3803	7	19	on	on	ADP
hassl-3803	7	20	the	the	DET
hassl-3803	7	21	factors	factor	NOUN
hassl-3803	7	22	that	that	PRON
hassl-3803	7	23	influence	influence	VERB
hassl-3803	7	24	the	the	DET
hassl-3803	7	25	intention	intention	NOUN
hassl-3803	7	26	to	to	PART
hassl-3803	7	27	use	use	VERB
hassl-3803	7	28	fintech	fintech	NOUN
hassl-3803	7	29	services	service	NOUN
hassl-3803	7	30	among	among	ADP
hassl-3803	7	31	the	the	DET
hassl-3803	7	32	young	young	ADJ
hassl-3803	7	33	working	work	VERB
hassl-3803	7	34	population	population	NOUN
hassl-3803	7	35	in	in	ADP
hassl-3803	7	36	india	india	PROPN
hassl-3803	7	37	.	.	PUNCT
hassl-3803	8	1	we	we	PRON
hassl-3803	8	2	use	use	VERB
hassl-3803	8	3	the	the	DET
hassl-3803	8	4	theory	theory	NOUN
hassl-3803	8	5	of	of	ADP
hassl-3803	8	6	planned	plan	VERB
hassl-3803	8	7	behavior	behavior	NOUN
hassl-3803	8	8	to	to	PART
hassl-3803	8	9	examine	examine	VERB
hassl-3803	8	10	the	the	DET
hassl-3803	8	11	intention	intention	NOUN
hassl-3803	8	12	to	to	PART
hassl-3803	8	13	adopt	adopt	VERB
hassl-3803	8	14	financial	financial	ADJ
hassl-3803	8	15	technology	technology	NOUN
hassl-3803	8	16	in	in	ADP
hassl-3803	8	17	a	a	DET
hassl-3803	8	18	rapidly	rapidly	ADV
hassl-3803	8	19	technologically	technologically	ADV
hassl-3803	8	20	transformative	transformative	ADJ
hassl-3803	8	21	indian	indian	ADJ
hassl-3803	8	22	landscape	landscape	NOUN
hassl-3803	8	23	.	.	PUNCT
hassl-3803	9	1	we	we	PRON
hassl-3803	9	2	conducted	conduct	VERB
hassl-3803	9	3	an	an	DET
hassl-3803	9	4	empirical	empirical	ADJ
hassl-3803	9	5	investigation	investigation	NOUN
hassl-3803	9	6	on	on	ADP
hassl-3803	9	7	324	324	NUM
hassl-3803	9	8	young	young	ADJ
hassl-3803	9	9	workers	worker	NOUN
hassl-3803	9	10	in	in	ADP
hassl-3803	9	11	india	india	PROPN
hassl-3803	9	12	using	use	VERB
hassl-3803	9	13	the	the	DET
hassl-3803	9	14	survey	survey	NOUN
hassl-3803	9	15	method	method	NOUN
hassl-3803	9	16	.	.	PUNCT
hassl-3803	10	1	the	the	DET
hassl-3803	10	2	tpb	tpb	NOUN
hassl-3803	10	3	model	model	NOUN
hassl-3803	10	4	's	's	PART
hassl-3803	10	5	relevance	relevance	NOUN
hassl-3803	10	6	in	in	ADP
hassl-3803	10	7	an	an	DET
hassl-3803	10	8	indian	indian	ADJ
hassl-3803	10	9	context	context	NOUN
hassl-3803	10	10	is	be	AUX
hassl-3803	10	11	validated	validate	VERB
hassl-3803	10	12	.	.	PUNCT
hassl-3803	11	1	attitude	attitude	NOUN
hassl-3803	11	2	,	,	PUNCT
hassl-3803	11	3	perceived	perceive	VERB
hassl-3803	11	4	behavioral	behavioral	ADJ
hassl-3803	11	5	control	control	NOUN
hassl-3803	11	6	,	,	PUNCT
hassl-3803	11	7	and	and	CCONJ
hassl-3803	11	8	subjective	subjective	ADJ
hassl-3803	11	9	norms	norm	NOUN
hassl-3803	11	10	together	together	ADV
hassl-3803	11	11	accounted	account	VERB
hassl-3803	11	12	for	for	ADP
hassl-3803	11	13	48.7	48.7	NUM
hassl-3803	11	14	%	%	NOUN
hassl-3803	11	15	of	of	ADP
hassl-3803	11	16	the	the	DET
hassl-3803	11	17	variation	variation	NOUN
hassl-3803	11	18	in	in	ADP
hassl-3803	11	19	the	the	DET
hassl-3803	11	20	intention	intention	NOUN
hassl-3803	11	21	to	to	PART
hassl-3803	11	22	use	use	VERB
hassl-3803	11	23	fintech	fintech	NOUN
hassl-3803	11	24	services	service	NOUN
hassl-3803	11	25	.	.	PUNCT
hassl-3803	12	1	the	the	DET
hassl-3803	12	2	quality	quality	NOUN
hassl-3803	12	3	of	of	ADP
hassl-3803	12	4	internet	internet	NOUN
hassl-3803	12	5	access	access	NOUN
hassl-3803	12	6	significantly	significantly	ADV
hassl-3803	12	7	moderated	moderate	VERB
hassl-3803	12	8	the	the	DET
hassl-3803	12	9	positive	positive	ADJ
hassl-3803	12	10	effect	effect	NOUN
hassl-3803	12	11	of	of	ADP
hassl-3803	12	12	young	young	ADJ
hassl-3803	12	13	workers	worker	NOUN
hassl-3803	12	14	'	'	PART
hassl-3803	12	15	attitudes	attitude	NOUN
hassl-3803	12	16	on	on	ADP
hassl-3803	12	17	their	their	PRON
hassl-3803	12	18	intention	intention	NOUN
hassl-3803	12	19	to	to	PART
hassl-3803	12	20	use	use	VERB
hassl-3803	12	21	fintech	fintech	NOUN
hassl-3803	12	22	.	.	PUNCT
hassl-3803	13	1	digital	digital	ADJ
hassl-3803	13	2	skills	skill	NOUN
hassl-3803	13	3	significantly	significantly	ADV
hassl-3803	13	4	moderated	moderate	VERB
hassl-3803	13	5	the	the	DET
hassl-3803	13	6	positive	positive	ADJ
hassl-3803	13	7	effects	effect	NOUN
hassl-3803	13	8	of	of	ADP
hassl-3803	13	9	attitude	attitude	NOUN
hassl-3803	13	10	and	and	CCONJ
hassl-3803	13	11	perceived	perceive	VERB
hassl-3803	13	12	behavioral	behavioral	ADJ
hassl-3803	13	13	control	control	NOUN
hassl-3803	13	14	on	on	ADP
hassl-3803	13	15	intentions	intention	NOUN
hassl-3803	13	16	to	to	PART
hassl-3803	13	17	use	use	VERB
hassl-3803	13	18	fintech	fintech	NOUN
hassl-3803	13	19	services	service	NOUN
hassl-3803	13	20	.	.	PUNCT
hassl-3803	14	1	india	india	PROPN
hassl-3803	14	2	is	be	AUX
hassl-3803	14	3	considered	consider	VERB
hassl-3803	14	4	a	a	DET
hassl-3803	14	5	very	very	ADV
hassl-3803	14	6	fast	fast	ADJ
hassl-3803	14	7	adopter	adopter	NOUN
hassl-3803	14	8	of	of	ADP
hassl-3803	14	9	digital	digital	ADJ
hassl-3803	14	10	technology	technology	NOUN
hassl-3803	14	11	.	.	PUNCT
hassl-3803	15	1	in	in	ADP
hassl-3803	15	2	india	india	PROPN
hassl-3803	15	3	,	,	PUNCT
hassl-3803	15	4	the	the	DET
hassl-3803	15	5	use	use	NOUN
hassl-3803	15	6	of	of	ADP
hassl-3803	15	7	electronic	electronic	ADJ
hassl-3803	15	8	channels	channel	NOUN
hassl-3803	15	9	in	in	ADP
hassl-3803	15	10	financial	financial	ADJ
hassl-3803	15	11	service	service	NOUN
hassl-3803	15	12	delivery	delivery	NOUN
hassl-3803	15	13	is	be	AUX
hassl-3803	15	14	on	on	ADP
hassl-3803	15	15	the	the	DET
hassl-3803	15	16	rise	rise	NOUN
hassl-3803	15	17	.	.	PUNCT
hassl-3803	16	1	with	with	ADP
hassl-3803	16	2	the	the	DET
hassl-3803	16	3	wide	wide	ADJ
hassl-3803	16	4	geographic	geographic	ADJ
hassl-3803	16	5	dispersion	dispersion	NOUN
hassl-3803	16	6	and	and	CCONJ
hassl-3803	16	7	huge	huge	ADJ
hassl-3803	16	8	population	population	NOUN
hassl-3803	16	9	,	,	PUNCT
hassl-3803	16	10	the	the	DET
hassl-3803	16	11	quality	quality	NOUN
hassl-3803	16	12	of	of	ADP
hassl-3803	16	13	internet	internet	NOUN
hassl-3803	16	14	access	access	NOUN
hassl-3803	16	15	and	and	CCONJ
hassl-3803	16	16	digital	digital	ADJ
hassl-3803	16	17	skills	skill	NOUN
hassl-3803	16	18	can	can	AUX
hassl-3803	16	19	influence	influence	VERB
hassl-3803	16	20	the	the	DET
hassl-3803	16	21	intention	intention	NOUN
hassl-3803	16	22	to	to	PART
hassl-3803	16	23	use	use	VERB
hassl-3803	16	24	fintech	fintech	NOUN
hassl-3803	16	25	services	service	NOUN
hassl-3803	16	26	.	.	PUNCT
hassl-3803	17	1	there	there	PRON
hassl-3803	17	2	can	can	AUX
hassl-3803	17	3	be	be	AUX
hassl-3803	17	4	vast	vast	ADJ
hassl-3803	17	5	differences	difference	NOUN
hassl-3803	17	6	in	in	ADP
hassl-3803	17	7	the	the	DET
hassl-3803	17	8	behavioral	behavioral	ADJ
hassl-3803	17	9	mindset	mindset	NOUN
hassl-3803	17	10	of	of	ADP
hassl-3803	17	11	people	people	NOUN
hassl-3803	17	12	in	in	ADP
hassl-3803	17	13	a	a	DET
hassl-3803	17	14	developing	develop	VERB
hassl-3803	17	15	country	country	NOUN
hassl-3803	17	16	like	like	ADP
hassl-3803	17	17	india	india	PROPN
hassl-3803	17	18	compared	compare	VERB
hassl-3803	17	19	to	to	ADP
hassl-3803	17	20	that	that	PRON
hassl-3803	17	21	of	of	ADP
hassl-3803	17	22	a	a	DET
hassl-3803	17	23	developed	develop	VERB
hassl-3803	17	24	one	one	NUM
hassl-3803	17	25	regarding	regard	VERB
hassl-3803	17	26	the	the	DET
hassl-3803	17	27	use	use	NOUN
hassl-3803	17	28	and	and	CCONJ
hassl-3803	17	29	adoption	adoption	NOUN
hassl-3803	17	30	of	of	ADP
hassl-3803	17	31	digital	digital	ADJ
hassl-3803	17	32	platforms	platform	NOUN
hassl-3803	17	33	for	for	ADP
hassl-3803	17	34	accessing	access	VERB
hassl-3803	17	35	financial	financial	ADJ
hassl-3803	17	36	services	service	NOUN
hassl-3803	17	37	.	.	PUNCT
hassl-3803	18	1	developers	developer	NOUN
hassl-3803	18	2	and	and	CCONJ
hassl-3803	18	3	regulators	regulator	NOUN
hassl-3803	18	4	must	must	AUX
hassl-3803	18	5	adopt	adopt	VERB
hassl-3803	18	6	approaches	approach	NOUN
hassl-3803	18	7	and	and	CCONJ
hassl-3803	18	8	policies	policy	NOUN
hassl-3803	18	9	that	that	PRON
hassl-3803	18	10	consider	consider	VERB
hassl-3803	18	11	these	these	DET
hassl-3803	18	12	behavioral	behavioral	ADJ
hassl-3803	18	13	factors	factor	NOUN
hassl-3803	18	14	.	.	PUNCT
hassl-3803	19	1	this	this	DET
hassl-3803	19	2	paper	paper	NOUN
hassl-3803	19	3	examines	examine	VERB
hassl-3803	19	4	the	the	DET
hassl-3803	19	5	theory	theory	NOUN
hassl-3803	19	6	of	of	ADP
hassl-3803	19	7	planned	plan	VERB
hassl-3803	19	8	behaviour	behaviour	NOUN
hassl-3803	19	9	in	in	ADP
hassl-3803	19	10	the	the	DET
hassl-3803	19	11	context	context	NOUN
hassl-3803	19	12	of	of	ADP
hassl-3803	19	13	a	a	DET
hassl-3803	19	14	rapidly	rapidly	ADV
hassl-3803	19	15	transforming	transform	VERB
hassl-3803	19	16	behavioural	behavioural	ADJ
hassl-3803	19	17	context	context	NOUN
hassl-3803	19	18	in	in	ADP
hassl-3803	19	19	india	india	PROPN
hassl-3803	19	20	with	with	ADP
hassl-3803	19	21	the	the	DET
hassl-3803	19	22	adoption	adoption	NOUN
hassl-3803	19	23	of	of	ADP
hassl-3803	19	24	technology	technology	NOUN
hassl-3803	19	25	-	-	PUNCT
hassl-3803	19	26	based	base	VERB
hassl-3803	19	27	financial	financial	ADJ
hassl-3803	19	28	services	service	NOUN
hassl-3803	19	29	.	.	PUNCT
hassl-3803	20	1	the	the	DET
hassl-3803	20	2	importance	importance	NOUN
hassl-3803	20	3	of	of	ADP
hassl-3803	20	4	quality	quality	NOUN
hassl-3803	20	5	internet	internet	NOUN
hassl-3803	20	6	access	access	NOUN
hassl-3803	20	7	and	and	CCONJ
hassl-3803	20	8	digital	digital	ADJ
hassl-3803	20	9	skills	skill	NOUN
hassl-3803	20	10	as	as	SCONJ
hassl-3803	20	11	factors	factor	NOUN
hassl-3803	20	12	moderating	moderate	VERB
hassl-3803	20	13	the	the	DET
hassl-3803	20	14	adoption	adoption	NOUN
hassl-3803	20	15	of	of	ADP
hassl-3803	20	16	technology	technology	NOUN
hassl-3803	20	17	is	be	AUX
hassl-3803	20	18	examined	examine	VERB
hassl-3803	20	19	in	in	ADP
hassl-3803	20	20	this	this	DET
hassl-3803	20	21	paper	paper	NOUN
hassl-3803	20	22	,	,	PUNCT
hassl-3803	20	23	unlike	unlike	ADP
hassl-3803	20	24	many	many	ADJ
hassl-3803	20	25	previous	previous	ADJ
hassl-3803	20	26	studies	study	NOUN
hassl-3803	20	27	.	.	PUNCT
hassl-3803	21	1	contribution	contribution	NOUN
hassl-3803	21	2	/	/	SYM
hassl-3803	21	3	originality	originality	NOUN
hassl-3803	21	4	:	:	PUNCT
hassl-3803	21	5	india	india	PROPN
hassl-3803	21	6	is	be	AUX
hassl-3803	21	7	a	a	DET
hassl-3803	21	8	fast	fast	ADJ
hassl-3803	21	9	adopter	adopter	NOUN
hassl-3803	21	10	of	of	ADP
hassl-3803	21	11	digital	digital	ADJ
hassl-3803	21	12	technology	technology	NOUN
hassl-3803	21	13	.	.	PUNCT
hassl-3803	22	1	with	with	ADP
hassl-3803	22	2	a	a	DET
hassl-3803	22	3	huge	huge	ADJ
hassl-3803	22	4	young	young	ADJ
hassl-3803	22	5	population	population	NOUN
hassl-3803	22	6	,	,	PUNCT
hassl-3803	22	7	it	it	PRON
hassl-3803	22	8	is	be	AUX
hassl-3803	22	9	important	important	ADJ
hassl-3803	22	10	to	to	PART
hassl-3803	22	11	understand	understand	VERB
hassl-3803	22	12	what	what	PRON
hassl-3803	22	13	shapes	shape	NOUN
hassl-3803	22	14	young	young	ADJ
hassl-3803	22	15	people	people	NOUN
hassl-3803	22	16	’s	’s	PART
hassl-3803	22	17	intention	intention	NOUN
hassl-3803	22	18	to	to	PART
hassl-3803	22	19	adopt	adopt	VERB
hassl-3803	22	20	fintech	fintech	NOUN
hassl-3803	22	21	services	service	NOUN
hassl-3803	22	22	.	.	PUNCT
hassl-3803	23	1	this	this	DET
hassl-3803	23	2	paper	paper	NOUN
hassl-3803	23	3	is	be	AUX
hassl-3803	23	4	the	the	DET
hassl-3803	23	5	first	first	ADJ
hassl-3803	23	6	ever	ever	ADV
hassl-3803	23	7	attempt	attempt	NOUN
hassl-3803	23	8	to	to	PART
hassl-3803	23	9	understand	understand	VERB
hassl-3803	23	10	the	the	DET
hassl-3803	23	11	predictors	predictor	NOUN
hassl-3803	23	12	and	and	CCONJ
hassl-3803	23	13	moderators	moderator	NOUN
hassl-3803	23	14	of	of	ADP
hassl-3803	23	15	such	such	ADJ
hassl-3803	23	16	behavioural	behavioural	ADJ
hassl-3803	23	17	intention	intention	NOUN
hassl-3803	23	18	in	in	ADP
hassl-3803	23	19	an	an	DET
hassl-3803	23	20	indian	indian	ADJ
hassl-3803	23	21	context	context	NOUN
hassl-3803	23	22	using	use	VERB
hassl-3803	23	23	the	the	DET
hassl-3803	23	24	theory	theory	NOUN
hassl-3803	23	25	of	of	ADP
hassl-3803	23	26	planned	plan	VERB
hassl-3803	23	27	behaviour	behaviour	NOUN
hassl-3803	23	28	.	.	PUNCT
hassl-3803	24	1	1	1	X
hassl-3803	24	2	.	.	X
hassl-3803	24	3	introduction	introduction	NOUN
hassl-3803	24	4	factors	factor	NOUN
hassl-3803	24	5	determining	determine	VERB
hassl-3803	24	6	the	the	DET
hassl-3803	24	7	nature	nature	NOUN
hassl-3803	24	8	and	and	CCONJ
hassl-3803	24	9	level	level	NOUN
hassl-3803	24	10	of	of	ADP
hassl-3803	24	11	adoption	adoption	NOUN
hassl-3803	24	12	of	of	ADP
hassl-3803	24	13	technology	technology	NOUN
hassl-3803	24	14	among	among	ADP
hassl-3803	24	15	people	people	NOUN
hassl-3803	24	16	in	in	ADP
hassl-3803	24	17	developed	developed	ADJ
hassl-3803	24	18	nations	nation	NOUN
hassl-3803	24	19	are	be	AUX
hassl-3803	24	20	an	an	DET
hassl-3803	24	21	area	area	NOUN
hassl-3803	24	22	of	of	ADP
hassl-3803	24	23	intense	intense	ADJ
hassl-3803	24	24	research	research	NOUN
hassl-3803	24	25	(	(	PUNCT
hassl-3803	24	26	mobarak	mobarak	NOUN
hassl-3803	24	27	&	&	CCONJ
hassl-3803	24	28	saldanha	saldanha	NOUN
hassl-3803	24	29	,	,	PUNCT
hassl-3803	24	30	2022	2022	NUM
hassl-3803	24	31	)	)	PUNCT
hassl-3803	24	32	.	.	PUNCT
hassl-3803	25	1	however	however	ADV
hassl-3803	25	2	,	,	PUNCT
hassl-3803	25	3	applying	apply	VERB
hassl-3803	25	4	the	the	DET
hassl-3803	25	5	findings	finding	NOUN
hassl-3803	25	6	of	of	ADP
hassl-3803	25	7	those	those	DET
hassl-3803	25	8	studies	study	NOUN
hassl-3803	25	9	directly	directly	ADV
hassl-3803	25	10	to	to	ADP
hassl-3803	25	11	financial	financial	ADJ
hassl-3803	25	12	technologies	technology	NOUN
hassl-3803	25	13	or	or	CCONJ
hassl-3803	25	14	developing	develop	VERB
hassl-3803	25	15	economies	economy	NOUN
hassl-3803	25	16	may	may	AUX
hassl-3803	25	17	not	not	PART
hassl-3803	25	18	be	be	AUX
hassl-3803	25	19	feasible	feasible	ADJ
hassl-3803	25	20	.	.	PUNCT
hassl-3803	26	1	across	across	ADP
hassl-3803	26	2	the	the	DET
hassl-3803	26	3	world	world	NOUN
hassl-3803	26	4	,	,	PUNCT
hassl-3803	26	5	we	we	PRON
hassl-3803	26	6	are	be	AUX
hassl-3803	26	7	witnessing	witness	VERB
hassl-3803	26	8	rapid	rapid	ADJ
hassl-3803	26	9	penetration	penetration	NOUN
hassl-3803	26	10	of	of	ADP
hassl-3803	26	11	internet	internet	NOUN
hassl-3803	26	12	facilities	facility	NOUN
hassl-3803	26	13	and	and	CCONJ
hassl-3803	26	14	the	the	DET
hassl-3803	26	15	fast	fast	ADJ
hassl-3803	26	16	digitalization	digitalization	NOUN
hassl-3803	26	17	of	of	ADP
hassl-3803	26	18	financial	financial	ADJ
hassl-3803	26	19	services	service	NOUN
hassl-3803	26	20	.	.	PUNCT
hassl-3803	27	1	as	as	ADP
hassl-3803	27	2	a	a	DET
hassl-3803	27	3	result	result	NOUN
hassl-3803	27	4	,	,	PUNCT
hassl-3803	27	5	understanding	understand	VERB
hassl-3803	27	6	the	the	DET
hassl-3803	27	7	drivers	driver	NOUN
hassl-3803	27	8	and	and	CCONJ
hassl-3803	27	9	limitations	limitation	NOUN
hassl-3803	27	10	of	of	ADP
hassl-3803	27	11	people	people	NOUN
hassl-3803	27	12	's	's	PART
hassl-3803	27	13	behavioral	behavioral	ADJ
hassl-3803	27	14	intentions	intention	NOUN
hassl-3803	27	15	to	to	PART
hassl-3803	27	16	adopt	adopt	VERB
hassl-3803	27	17	financial	financial	ADJ
hassl-3803	27	18	technology	technology	NOUN
hassl-3803	27	19	becomes	become	VERB
hassl-3803	27	20	necessary	necessary	ADJ
hassl-3803	27	21	.	.	PUNCT
hassl-3803	28	1	in	in	ADP
hassl-3803	28	2	an	an	DET
hassl-3803	28	3	humanities	humanity	NOUN
hassl-3803	28	4	and	and	CCONJ
hassl-3803	28	5	social	social	ADJ
hassl-3803	28	6	sciences	science	NOUN
hassl-3803	28	7	letters	letter	NOUN
hassl-3803	28	8	2024	2024	NUM
hassl-3803	28	9	vol	vol	NOUN
hassl-3803	28	10	.	.	PROPN
hassl-3803	28	11	12	12	NUM
hassl-3803	28	12	,	,	PUNCT
hassl-3803	28	13	no	no	INTJ
hassl-3803	28	14	.	.	NOUN
hassl-3803	28	15	3	3	NUM
hassl-3803	28	16	,	,	PUNCT
hassl-3803	28	17	pp	pp	ADJ
hassl-3803	28	18	.	.	PUNCT
hassl-3803	29	1	543	543	NUM
hassl-3803	29	2	-	-	SYM
hassl-3803	29	3	555	555	NUM
hassl-3803	29	4	issn(e	issn(e	NOUN
hassl-3803	29	5	):	):	PUNCT
hassl-3803	29	6	2312	2312	NUM
hassl-3803	29	7	-	-	SYM
hassl-3803	29	8	4318	4318	NUM
hassl-3803	29	9	issn(p	issn(p	NUM
hassl-3803	29	10	):	):	PUNCT
hassl-3803	29	11	2312	2312	NUM
hassl-3803	29	12	-	-	SYM
hassl-3803	29	13	5659	5659	NUM
hassl-3803	29	14	doi	doi	NOUN
hassl-3803	29	15	:	:	PUNCT
hassl-3803	29	16	10.18488/73.v12i3.3803	10.18488/73.v12i3.3803	NOUN
hassl-3803	29	17	©	©	PROPN
hassl-3803	29	18	2024	2024	NUM
hassl-3803	29	19	conscientia	conscientia	PROPN
hassl-3803	29	20	beam	beam	PROPN
hassl-3803	29	21	.	.	PUNCT
hassl-3803	30	1	all	all	DET
hassl-3803	30	2	rights	right	NOUN
hassl-3803	30	3	reserved	reserve	VERB
hassl-3803	30	4	.	.	PUNCT
hassl-3803	31	1	https://orcid.org/0009-0004-6847-5616	https://orcid.org/0009-0004-6847-5616	INTJ
hassl-3803	32	1	https://orcid.org/0000-0003-0287-0969	https://orcid.org/0000-0003-0287-0969	ADV
hassl-3803	32	2	mailto:roshandaffodil@gmail.com	mailto:roshandaffodil@gmail.com	X
hassl-3803	33	1	mailto:nirakarnath.pandey@christuniversity.in	mailto:nirakarnath.pandey@christuniversity.in	PROPN
hassl-3803	33	2	https://www.doi.org/10.18488/73.v12i3.3803	https://www.doi.org/10.18488/73.v12i3.3803	PROPN
hassl-3803	33	3	humanities	humanity	NOUN
hassl-3803	33	4	and	and	CCONJ
hassl-3803	33	5	social	social	ADJ
hassl-3803	33	6	sciences	science	NOUN
hassl-3803	33	7	letters	letter	NOUN
hassl-3803	33	8	,	,	PUNCT
hassl-3803	33	9	2024	2024	NUM
hassl-3803	33	10	,	,	PUNCT
hassl-3803	33	11	12(3	12(3	NUM
hassl-3803	33	12	):	):	PUNCT
hassl-3803	33	13	543	543	NUM
hassl-3803	33	14	-	-	SYM
hassl-3803	33	15	555	555	NUM
hassl-3803	33	16	544	544	NUM
hassl-3803	33	17	©	©	PROPN
hassl-3803	33	18	2024	2024	NUM
hassl-3803	33	19	conscientia	conscientia	PROPN
hassl-3803	33	20	beam	beam	PROPN
hassl-3803	33	21	.	.	PUNCT
hassl-3803	34	1	all	all	DET
hassl-3803	34	2	rights	right	NOUN
hassl-3803	34	3	reserved	reserve	VERB
hassl-3803	34	4	.	.	PUNCT
hassl-3803	35	1	indian	indian	ADJ
hassl-3803	35	2	context	context	NOUN
hassl-3803	35	3	,	,	PUNCT
hassl-3803	35	4	such	such	ADJ
hassl-3803	35	5	explorations	exploration	NOUN
hassl-3803	35	6	are	be	AUX
hassl-3803	35	7	more	more	ADV
hassl-3803	35	8	relevant	relevant	ADJ
hassl-3803	35	9	.	.	PUNCT
hassl-3803	36	1	this	this	PRON
hassl-3803	36	2	is	be	AUX
hassl-3803	36	3	because	because	SCONJ
hassl-3803	36	4	there	there	PRON
hassl-3803	36	5	are	be	VERB
hassl-3803	36	6	a	a	DET
hassl-3803	36	7	number	number	NOUN
hassl-3803	36	8	of	of	ADP
hassl-3803	36	9	developments	development	NOUN
hassl-3803	36	10	that	that	PRON
hassl-3803	36	11	have	have	AUX
hassl-3803	36	12	been	be	AUX
hassl-3803	36	13	happening	happen	VERB
hassl-3803	36	14	in	in	ADP
hassl-3803	36	15	india	india	PROPN
hassl-3803	36	16	with	with	ADP
hassl-3803	36	17	regard	regard	NOUN
hassl-3803	36	18	to	to	ADP
hassl-3803	36	19	digitization	digitization	NOUN
hassl-3803	36	20	(	(	PUNCT
hassl-3803	36	21	ibef	ibef	NOUN
hassl-3803	36	22	,	,	PUNCT
hassl-3803	36	23	2023	2023	NUM
hassl-3803	36	24	)	)	PUNCT
hassl-3803	36	25	.	.	PUNCT
hassl-3803	37	1	one	one	NUM
hassl-3803	37	2	,	,	PUNCT
hassl-3803	37	3	india	india	PROPN
hassl-3803	37	4	is	be	AUX
hassl-3803	37	5	witnessing	witness	VERB
hassl-3803	37	6	rapid	rapid	ADJ
hassl-3803	37	7	growth	growth	NOUN
hassl-3803	37	8	in	in	ADP
hassl-3803	37	9	the	the	DET
hassl-3803	37	10	geographical	geographical	ADJ
hassl-3803	37	11	availability	availability	NOUN
hassl-3803	37	12	of	of	ADP
hassl-3803	37	13	internet	internet	NOUN
hassl-3803	37	14	access	access	NOUN
hassl-3803	37	15	(	(	PUNCT
hassl-3803	37	16	over	over	ADP
hassl-3803	37	17	50	50	NUM
hassl-3803	37	18	%	%	NOUN
hassl-3803	37	19	indians	indian	NOUN
hassl-3803	37	20	,	,	PUNCT
hassl-3803	37	21	2023	2023	NUM
hassl-3803	37	22	)	)	PUNCT
hassl-3803	37	23	second	second	ADV
hassl-3803	37	24	,	,	PUNCT
hassl-3803	37	25	the	the	DET
hassl-3803	37	26	population	population	NOUN
hassl-3803	37	27	that	that	PRON
hassl-3803	37	28	can	can	AUX
hassl-3803	37	29	access	access	VERB
hassl-3803	37	30	affordable	affordable	ADJ
hassl-3803	37	31	financial	financial	ADJ
hassl-3803	37	32	services	service	NOUN
hassl-3803	37	33	is	be	AUX
hassl-3803	37	34	increasing	increase	VERB
hassl-3803	37	35	due	due	ADP
hassl-3803	37	36	to	to	ADP
hassl-3803	37	37	regulators	regulator	NOUN
hassl-3803	37	38	'	'	PART
hassl-3803	37	39	rapid	rapid	ADJ
hassl-3803	37	40	financial	financial	ADJ
hassl-3803	37	41	inclusion	inclusion	NOUN
hassl-3803	37	42	measures	measure	NOUN
hassl-3803	37	43	(	(	PUNCT
hassl-3803	37	44	carriere	carriere	NOUN
hassl-3803	37	45	-	-	PUNCT
hassl-3803	37	46	swallow	swallow	PROPN
hassl-3803	37	47	,	,	PUNCT
hassl-3803	37	48	haksar	haksar	NOUN
hassl-3803	37	49	,	,	PUNCT
hassl-3803	37	50	&	&	CCONJ
hassl-3803	37	51	patnam	patnam	PROPN
hassl-3803	37	52	,	,	PUNCT
hassl-3803	37	53	2021	2021	NUM
hassl-3803	37	54	)	)	PUNCT
hassl-3803	37	55	three	three	NUM
hassl-3803	37	56	,	,	PUNCT
hassl-3803	37	57	a	a	DET
hassl-3803	37	58	significant	significant	ADJ
hassl-3803	37	59	proportion	proportion	NOUN
hassl-3803	37	60	of	of	ADP
hassl-3803	37	61	the	the	DET
hassl-3803	37	62	population	population	NOUN
hassl-3803	37	63	owns	own	VERB
hassl-3803	37	64	hand	hand	NOUN
hassl-3803	37	65	-	-	PUNCT
hassl-3803	37	66	held	hold	VERB
hassl-3803	37	67	digital	digital	ADJ
hassl-3803	37	68	devices	device	NOUN
hassl-3803	37	69	such	such	ADJ
hassl-3803	37	70	as	as	ADP
hassl-3803	37	71	mobile	mobile	ADJ
hassl-3803	37	72	phones	phone	NOUN
hassl-3803	37	73	.	.	PUNCT
hassl-3803	38	1	four	four	NUM
hassl-3803	38	2	,	,	PUNCT
hassl-3803	38	3	a	a	DET
hassl-3803	38	4	number	number	NOUN
hassl-3803	38	5	of	of	ADP
hassl-3803	38	6	new	new	ADJ
hassl-3803	38	7	ventures	venture	NOUN
hassl-3803	38	8	are	be	AUX
hassl-3803	38	9	competing	compete	VERB
hassl-3803	38	10	in	in	ADP
hassl-3803	38	11	the	the	DET
hassl-3803	38	12	market	market	NOUN
hassl-3803	38	13	to	to	PART
hassl-3803	38	14	provide	provide	VERB
hassl-3803	38	15	financial	financial	ADJ
hassl-3803	38	16	services	service	NOUN
hassl-3803	38	17	through	through	ADP
hassl-3803	38	18	digital	digital	ADJ
hassl-3803	38	19	modes	mode	NOUN
hassl-3803	38	20	using	use	VERB
hassl-3803	38	21	the	the	DET
hassl-3803	38	22	latest	late	ADJ
hassl-3803	38	23	technology	technology	NOUN
hassl-3803	38	24	(	(	PUNCT
hassl-3803	38	25	deloitte	deloitte	PROPN
hassl-3803	38	26	,	,	PUNCT
hassl-3803	38	27	2017a	2017a	NUM
hassl-3803	38	28	)	)	PUNCT
hassl-3803	38	29	.	.	PUNCT
hassl-3803	39	1	india	india	PROPN
hassl-3803	39	2	's	's	PART
hassl-3803	39	3	population	population	NOUN
hassl-3803	39	4	is	be	AUX
hassl-3803	39	5	notable	notable	ADJ
hassl-3803	39	6	for	for	ADP
hassl-3803	39	7	its	its	PRON
hassl-3803	39	8	large	large	ADJ
hassl-3803	39	9	number	number	NOUN
hassl-3803	39	10	of	of	ADP
hassl-3803	39	11	educated	educate	VERB
hassl-3803	39	12	young	young	ADJ
hassl-3803	39	13	people	people	NOUN
hassl-3803	39	14	who	who	PRON
hassl-3803	39	15	contribute	contribute	VERB
hassl-3803	39	16	to	to	ADP
hassl-3803	39	17	the	the	DET
hassl-3803	39	18	country	country	NOUN
hassl-3803	39	19	's	's	PART
hassl-3803	39	20	workforce	workforce	NOUN
hassl-3803	39	21	(	(	PUNCT
hassl-3803	39	22	malin	malin	PROPN
hassl-3803	39	23	&	&	CCONJ
hassl-3803	39	24	tyagi	tyagi	PROPN
hassl-3803	39	25	,	,	PUNCT
hassl-3803	39	26	2023	2023	NUM
hassl-3803	39	27	)	)	PUNCT
hassl-3803	39	28	.	.	PUNCT
hassl-3803	40	1	thus	thus	ADV
hassl-3803	40	2	,	,	PUNCT
hassl-3803	40	3	it	it	PRON
hassl-3803	40	4	is	be	AUX
hassl-3803	40	5	evident	evident	ADJ
hassl-3803	40	6	that	that	SCONJ
hassl-3803	40	7	the	the	DET
hassl-3803	40	8	young	young	ADJ
hassl-3803	40	9	working	work	VERB
hassl-3803	40	10	class	class	NOUN
hassl-3803	40	11	in	in	ADP
hassl-3803	40	12	india	india	PROPN
hassl-3803	40	13	holds	hold	VERB
hassl-3803	40	14	the	the	DET
hassl-3803	40	15	key	key	NOUN
hassl-3803	40	16	to	to	ADP
hassl-3803	40	17	the	the	DET
hassl-3803	40	18	success	success	NOUN
hassl-3803	40	19	of	of	ADP
hassl-3803	40	20	fintech	fintech	NOUN
hassl-3803	40	21	services	service	NOUN
hassl-3803	40	22	.	.	PUNCT
hassl-3803	41	1	the	the	DET
hassl-3803	41	2	present	present	ADJ
hassl-3803	41	3	study	study	NOUN
hassl-3803	41	4	aims	aim	VERB
hassl-3803	41	5	to	to	PART
hassl-3803	41	6	investigate	investigate	VERB
hassl-3803	41	7	the	the	DET
hassl-3803	41	8	drivers	driver	NOUN
hassl-3803	41	9	of	of	ADP
hassl-3803	41	10	young	young	ADJ
hassl-3803	41	11	workers	worker	NOUN
hassl-3803	41	12	'	'	PART
hassl-3803	41	13	behavioral	behavioral	ADJ
hassl-3803	41	14	intention	intention	NOUN
hassl-3803	41	15	to	to	PART
hassl-3803	41	16	adopt	adopt	VERB
hassl-3803	41	17	fintech	fintech	NOUN
hassl-3803	41	18	services	service	NOUN
hassl-3803	41	19	in	in	ADP
hassl-3803	41	20	india	india	PROPN
hassl-3803	41	21	.	.	PUNCT
hassl-3803	42	1	the	the	DET
hassl-3803	42	2	study	study	NOUN
hassl-3803	42	3	used	use	VERB
hassl-3803	42	4	the	the	DET
hassl-3803	42	5	theory	theory	NOUN
hassl-3803	42	6	of	of	ADP
hassl-3803	42	7	planned	plan	VERB
hassl-3803	42	8	behavior	behavior	NOUN
hassl-3803	42	9	(	(	PUNCT
hassl-3803	42	10	ajzen	ajzen	NOUN
hassl-3803	42	11	,	,	PUNCT
hassl-3803	42	12	1991	1991	NUM
hassl-3803	42	13	)	)	PUNCT
hassl-3803	42	14	to	to	PART
hassl-3803	42	15	look	look	VERB
hassl-3803	42	16	at	at	ADP
hassl-3803	42	17	people	people	NOUN
hassl-3803	42	18	's	's	PART
hassl-3803	42	19	intentions	intention	NOUN
hassl-3803	42	20	to	to	PART
hassl-3803	42	21	use	use	VERB
hassl-3803	42	22	fintech	fintech	NOUN
hassl-3803	42	23	services	service	NOUN
hassl-3803	42	24	.	.	PUNCT
hassl-3803	43	1	this	this	DET
hassl-3803	43	2	theory	theory	NOUN
hassl-3803	43	3	says	say	VERB
hassl-3803	43	4	that	that	SCONJ
hassl-3803	43	5	attitudes	attitude	NOUN
hassl-3803	43	6	,	,	PUNCT
hassl-3803	43	7	perceived	perceive	VERB
hassl-3803	43	8	behavioral	behavioral	ADJ
hassl-3803	43	9	control	control	NOUN
hassl-3803	43	10	,	,	PUNCT
hassl-3803	43	11	and	and	CCONJ
hassl-3803	43	12	subjective	subjective	ADJ
hassl-3803	43	13	norms	norm	NOUN
hassl-3803	43	14	are	be	AUX
hassl-3803	43	15	strong	strong	ADJ
hassl-3803	43	16	predictors	predictor	NOUN
hassl-3803	43	17	of	of	ADP
hassl-3803	43	18	behavior	behavior	NOUN
hassl-3803	43	19	intention	intention	NOUN
hassl-3803	43	20	,	,	PUNCT
hassl-3803	43	21	which	which	PRON
hassl-3803	43	22	in	in	ADP
hassl-3803	43	23	turn	turn	NOUN
hassl-3803	43	24	leads	lead	VERB
hassl-3803	43	25	to	to	ADP
hassl-3803	43	26	actual	actual	ADJ
hassl-3803	43	27	adoption	adoption	NOUN
hassl-3803	43	28	behavior	behavior	NOUN
hassl-3803	43	29	.	.	PUNCT
hassl-3803	44	1	by	by	ADP
hassl-3803	44	2	examining	examine	VERB
hassl-3803	44	3	the	the	DET
hassl-3803	44	4	role	role	NOUN
hassl-3803	44	5	of	of	ADP
hassl-3803	44	6	quality	quality	NOUN
hassl-3803	44	7	of	of	ADP
hassl-3803	44	8	internet	internet	NOUN
hassl-3803	44	9	access	access	NOUN
hassl-3803	44	10	and	and	CCONJ
hassl-3803	44	11	digital	digital	ADJ
hassl-3803	44	12	skills	skill	NOUN
hassl-3803	44	13	as	as	ADP
hassl-3803	44	14	moderators	moderator	NOUN
hassl-3803	44	15	introduced	introduce	VERB
hassl-3803	44	16	in	in	ADP
hassl-3803	44	17	the	the	DET
hassl-3803	44	18	tpb	tpb	NOUN
hassl-3803	44	19	model	model	NOUN
hassl-3803	44	20	,	,	PUNCT
hassl-3803	44	21	we	we	PRON
hassl-3803	44	22	expect	expect	VERB
hassl-3803	44	23	the	the	DET
hassl-3803	44	24	theory	theory	NOUN
hassl-3803	44	25	's	's	PART
hassl-3803	44	26	utility	utility	NOUN
hassl-3803	44	27	in	in	ADP
hassl-3803	44	28	predicting	predict	VERB
hassl-3803	44	29	such	such	ADJ
hassl-3803	44	30	intentions	intention	NOUN
hassl-3803	44	31	to	to	PART
hassl-3803	44	32	adopt	adopt	VERB
hassl-3803	44	33	fintech	fintech	NOUN
hassl-3803	44	34	services	service	NOUN
hassl-3803	44	35	to	to	PART
hassl-3803	44	36	improve	improve	VERB
hassl-3803	44	37	.	.	PUNCT
hassl-3803	45	1	figure	figure	VERB
hassl-3803	45	2	1	1	NUM
hassl-3803	45	3	presents	present	VERB
hassl-3803	45	4	the	the	DET
hassl-3803	45	5	study	study	NOUN
hassl-3803	45	6	's	's	PART
hassl-3803	45	7	conceptual	conceptual	ADJ
hassl-3803	45	8	model	model	NOUN
hassl-3803	45	9	.	.	PUNCT
hassl-3803	46	1	the	the	DET
hassl-3803	46	2	study	study	NOUN
hassl-3803	46	3	aims	aim	VERB
hassl-3803	46	4	to	to	PART
hassl-3803	46	5	answer	answer	VERB
hassl-3803	46	6	the	the	DET
hassl-3803	46	7	following	follow	VERB
hassl-3803	46	8	research	research	NOUN
hassl-3803	46	9	questions	question	NOUN
hassl-3803	46	10	:	:	PUNCT
hassl-3803	46	11	•	•	ADV
hassl-3803	46	12	does	do	VERB
hassl-3803	46	13	personal	personal	ADJ
hassl-3803	46	14	attitude	attitude	NOUN
hassl-3803	46	15	,	,	PUNCT
hassl-3803	46	16	subjective	subjective	ADJ
hassl-3803	46	17	norms	norm	NOUN
hassl-3803	46	18	,	,	PUNCT
hassl-3803	46	19	and	and	CCONJ
hassl-3803	46	20	perceived	perceive	VERB
hassl-3803	46	21	behavior	behavior	NOUN
hassl-3803	46	22	control	control	NOUN
hassl-3803	46	23	have	have	VERB
hassl-3803	46	24	a	a	DET
hassl-3803	46	25	significant	significant	ADJ
hassl-3803	46	26	impact	impact	NOUN
hassl-3803	46	27	on	on	ADP
hassl-3803	46	28	access	access	NOUN
hassl-3803	46	29	to	to	ADP
hassl-3803	46	30	fintech	fintech	NOUN
hassl-3803	46	31	services	service	NOUN
hassl-3803	46	32	for	for	ADP
hassl-3803	46	33	the	the	DET
hassl-3803	46	34	working	work	VERB
hassl-3803	46	35	class	class	NOUN
hassl-3803	46	36	?	?	PUNCT
hassl-3803	47	1	•	•	NOUN
hassl-3803	47	2	does	do	AUX
hassl-3803	47	3	the	the	DET
hassl-3803	47	4	quality	quality	NOUN
hassl-3803	47	5	of	of	ADP
hassl-3803	47	6	internet	internet	NOUN
hassl-3803	47	7	access	access	NOUN
hassl-3803	47	8	significantly	significantly	ADV
hassl-3803	47	9	moderate	moderate	VERB
hassl-3803	47	10	the	the	DET
hassl-3803	47	11	effects	effect	NOUN
hassl-3803	47	12	of	of	ADP
hassl-3803	47	13	personal	personal	ADJ
hassl-3803	47	14	attitude	attitude	NOUN
hassl-3803	47	15	,	,	PUNCT
hassl-3803	47	16	subjective	subjective	ADJ
hassl-3803	47	17	norms	norm	NOUN
hassl-3803	47	18	,	,	PUNCT
hassl-3803	47	19	and	and	CCONJ
hassl-3803	47	20	perceived	perceive	VERB
hassl-3803	47	21	behavior	behavior	NOUN
hassl-3803	47	22	control	control	NOUN
hassl-3803	47	23	on	on	ADP
hassl-3803	47	24	the	the	DET
hassl-3803	47	25	intention	intention	NOUN
hassl-3803	47	26	to	to	PART
hassl-3803	47	27	sue	sue	VERB
hassl-3803	47	28	fintech	fintech	NOUN
hassl-3803	47	29	services	service	NOUN
hassl-3803	47	30	?	?	PUNCT
hassl-3803	48	1	•	•	NUM
hassl-3803	48	2	do	do	AUX
hassl-3803	48	3	digital	digital	ADJ
hassl-3803	48	4	skills	skill	NOUN
hassl-3803	48	5	significantly	significantly	ADV
hassl-3803	48	6	moderate	moderate	VERB
hassl-3803	48	7	the	the	DET
hassl-3803	48	8	effects	effect	NOUN
hassl-3803	48	9	of	of	ADP
hassl-3803	48	10	personal	personal	ADJ
hassl-3803	48	11	attitude	attitude	NOUN
hassl-3803	48	12	,	,	PUNCT
hassl-3803	48	13	subjective	subjective	ADJ
hassl-3803	48	14	norms	norm	NOUN
hassl-3803	48	15	,	,	PUNCT
hassl-3803	48	16	and	and	CCONJ
hassl-3803	48	17	perceived	perceive	VERB
hassl-3803	48	18	behavior	behavior	NOUN
hassl-3803	48	19	control	control	NOUN
hassl-3803	48	20	on	on	ADP
hassl-3803	48	21	the	the	DET
hassl-3803	48	22	intention	intention	NOUN
hassl-3803	48	23	to	to	PART
hassl-3803	48	24	sue	sue	VERB
hassl-3803	48	25	fintech	fintech	NOUN
hassl-3803	48	26	services	service	NOUN
hassl-3803	48	27	?	?	PUNCT
hassl-3803	49	1	the	the	DET
hassl-3803	49	2	study	study	NOUN
hassl-3803	49	3	highlights	highlight	VERB
hassl-3803	49	4	its	its	PRON
hassl-3803	49	5	significance	significance	NOUN
hassl-3803	49	6	in	in	ADP
hassl-3803	49	7	creating	create	VERB
hassl-3803	49	8	a	a	DET
hassl-3803	49	9	theoretical	theoretical	ADJ
hassl-3803	49	10	model	model	NOUN
hassl-3803	49	11	that	that	PRON
hassl-3803	49	12	explains	explain	VERB
hassl-3803	49	13	how	how	SCONJ
hassl-3803	49	14	the	the	DET
hassl-3803	49	15	younger	young	ADJ
hassl-3803	49	16	working	working	NOUN
hassl-3803	49	17	class	class	NOUN
hassl-3803	49	18	in	in	ADP
hassl-3803	49	19	india	india	PROPN
hassl-3803	49	20	develops	develop	VERB
hassl-3803	49	21	their	their	PRON
hassl-3803	49	22	intention	intention	NOUN
hassl-3803	49	23	to	to	PART
hassl-3803	49	24	use	use	VERB
hassl-3803	49	25	fintech	fintech	NOUN
hassl-3803	49	26	services	service	NOUN
hassl-3803	49	27	.	.	PUNCT
hassl-3803	50	1	the	the	DET
hassl-3803	50	2	findings	finding	NOUN
hassl-3803	50	3	can	can	AUX
hassl-3803	50	4	provide	provide	VERB
hassl-3803	50	5	important	important	ADJ
hassl-3803	50	6	information	information	NOUN
hassl-3803	50	7	for	for	ADP
hassl-3803	50	8	fintech	fintech	NOUN
hassl-3803	50	9	services	service	NOUN
hassl-3803	50	10	firms	firm	NOUN
hassl-3803	50	11	and	and	CCONJ
hassl-3803	50	12	governments	government	NOUN
hassl-3803	50	13	to	to	PART
hassl-3803	50	14	formulate	formulate	VERB
hassl-3803	50	15	and	and	CCONJ
hassl-3803	50	16	effectively	effectively	ADV
hassl-3803	50	17	execute	execute	VERB
hassl-3803	50	18	plans	plan	NOUN
hassl-3803	50	19	and	and	CCONJ
hassl-3803	50	20	policies	policy	NOUN
hassl-3803	50	21	to	to	PART
hassl-3803	50	22	ensure	ensure	VERB
hassl-3803	50	23	higher	high	ADJ
hassl-3803	50	24	levels	level	NOUN
hassl-3803	50	25	of	of	ADP
hassl-3803	50	26	digital	digital	ADJ
hassl-3803	50	27	inclusion	inclusion	NOUN
hassl-3803	50	28	.	.	PUNCT
hassl-3803	51	1	the	the	DET
hassl-3803	51	2	structure	structure	NOUN
hassl-3803	51	3	of	of	ADP
hassl-3803	51	4	the	the	DET
hassl-3803	51	5	paper	paper	NOUN
hassl-3803	51	6	is	be	AUX
hassl-3803	51	7	as	as	SCONJ
hassl-3803	51	8	follows	follow	VERB
hassl-3803	51	9	:	:	PUNCT
hassl-3803	51	10	the	the	DET
hassl-3803	51	11	background	background	NOUN
hassl-3803	51	12	section	section	NOUN
hassl-3803	51	13	presents	present	VERB
hassl-3803	51	14	the	the	DET
hassl-3803	51	15	theoretical	theoretical	ADJ
hassl-3803	51	16	perspective	perspective	NOUN
hassl-3803	51	17	of	of	ADP
hassl-3803	51	18	the	the	DET
hassl-3803	51	19	tpb	tpb	NOUN
hassl-3803	51	20	and	and	CCONJ
hassl-3803	51	21	its	its	PRON
hassl-3803	51	22	four	four	NUM
hassl-3803	51	23	constructs	construct	NOUN
hassl-3803	51	24	.	.	PUNCT
hassl-3803	52	1	we	we	PRON
hassl-3803	52	2	also	also	ADV
hassl-3803	52	3	explore	explore	VERB
hassl-3803	52	4	the	the	DET
hassl-3803	52	5	effectiveness	effectiveness	NOUN
hassl-3803	52	6	of	of	ADP
hassl-3803	52	7	the	the	DET
hassl-3803	52	8	theory	theory	NOUN
hassl-3803	52	9	in	in	ADP
hassl-3803	52	10	elucidating	elucidate	VERB
hassl-3803	52	11	the	the	DET
hassl-3803	52	12	inclination	inclination	NOUN
hassl-3803	52	13	towards	towards	ADP
hassl-3803	52	14	fintech	fintech	NOUN
hassl-3803	52	15	service	service	NOUN
hassl-3803	52	16	adoption	adoption	NOUN
hassl-3803	52	17	among	among	ADP
hassl-3803	52	18	india	india	PROPN
hassl-3803	52	19	's	's	PART
hassl-3803	52	20	young	young	ADJ
hassl-3803	52	21	workforce	workforce	NOUN
hassl-3803	52	22	.	.	PUNCT
hassl-3803	53	1	the	the	DET
hassl-3803	53	2	next	next	ADJ
hassl-3803	53	3	section	section	NOUN
hassl-3803	53	4	discusses	discuss	VERB
hassl-3803	53	5	the	the	DET
hassl-3803	53	6	research	research	NOUN
hassl-3803	53	7	methodology	methodology	NOUN
hassl-3803	53	8	used	use	VERB
hassl-3803	53	9	to	to	PART
hassl-3803	53	10	explain	explain	VERB
hassl-3803	53	11	the	the	DET
hassl-3803	53	12	sample	sample	NOUN
hassl-3803	53	13	and	and	CCONJ
hassl-3803	53	14	survey	survey	NOUN
hassl-3803	53	15	techniques	technique	NOUN
hassl-3803	53	16	,	,	PUNCT
hassl-3803	53	17	as	as	ADV
hassl-3803	53	18	well	well	ADV
hassl-3803	53	19	as	as	ADP
hassl-3803	53	20	the	the	DET
hassl-3803	53	21	measurement	measurement	NOUN
hassl-3803	53	22	of	of	ADP
hassl-3803	53	23	the	the	DET
hassl-3803	53	24	constructs	construct	NOUN
hassl-3803	53	25	.	.	PUNCT
hassl-3803	54	1	the	the	DET
hassl-3803	54	2	fourth	fourth	ADJ
hassl-3803	54	3	section	section	NOUN
hassl-3803	54	4	presents	present	VERB
hassl-3803	54	5	the	the	DET
hassl-3803	54	6	data	datum	NOUN
hassl-3803	54	7	analysis	analysis	NOUN
hassl-3803	54	8	procedures	procedure	NOUN
hassl-3803	54	9	and	and	CCONJ
hassl-3803	54	10	the	the	DET
hassl-3803	54	11	study	study	NOUN
hassl-3803	54	12	's	's	PART
hassl-3803	54	13	outcomes	outcome	NOUN
hassl-3803	54	14	.	.	PUNCT
hassl-3803	55	1	the	the	DET
hassl-3803	55	2	fifth	fifth	ADJ
hassl-3803	55	3	section	section	NOUN
hassl-3803	55	4	deals	deal	NOUN
hassl-3803	55	5	with	with	ADP
hassl-3803	55	6	discussions	discussion	NOUN
hassl-3803	55	7	regarding	regard	VERB
hassl-3803	55	8	the	the	DET
hassl-3803	55	9	theoretical	theoretical	ADJ
hassl-3803	55	10	and	and	CCONJ
hassl-3803	55	11	practical	practical	ADJ
hassl-3803	55	12	implications	implication	NOUN
hassl-3803	55	13	of	of	ADP
hassl-3803	55	14	the	the	DET
hassl-3803	55	15	study	study	NOUN
hassl-3803	55	16	's	's	PART
hassl-3803	55	17	findings	finding	NOUN
hassl-3803	55	18	.	.	PUNCT
hassl-3803	56	1	the	the	DET
hassl-3803	56	2	conclusions	conclusion	NOUN
hassl-3803	56	3	form	form	VERB
hassl-3803	56	4	the	the	DET
hassl-3803	56	5	last	last	ADJ
hassl-3803	56	6	section	section	NOUN
hassl-3803	56	7	.	.	PUNCT
hassl-3803	57	1	figure	figure	NOUN
hassl-3803	57	2	1	1	NUM
hassl-3803	57	3	.	.	PUNCT
hassl-3803	57	4	conceptual	conceptual	ADJ
hassl-3803	57	5	model	model	NOUN
hassl-3803	57	6	proposed	propose	VERB
hassl-3803	57	7	.	.	PUNCT
hassl-3803	58	1	humanities	humanity	NOUN
hassl-3803	58	2	and	and	CCONJ
hassl-3803	58	3	social	social	ADJ
hassl-3803	58	4	sciences	science	NOUN
hassl-3803	58	5	letters	letter	NOUN
hassl-3803	58	6	,	,	PUNCT
hassl-3803	58	7	2024	2024	NUM
hassl-3803	58	8	,	,	PUNCT
hassl-3803	58	9	12(3	12(3	NUM
hassl-3803	58	10	):	):	PUNCT
hassl-3803	58	11	543	543	NUM
hassl-3803	58	12	-	-	SYM
hassl-3803	58	13	555	555	NUM
hassl-3803	58	14	545	545	NUM
hassl-3803	58	15	©	©	PROPN
hassl-3803	58	16	2024	2024	NUM
hassl-3803	58	17	conscientia	conscientia	PROPN
hassl-3803	58	18	beam	beam	PROPN
hassl-3803	58	19	.	.	PUNCT
hassl-3803	59	1	all	all	DET
hassl-3803	59	2	rights	right	NOUN
hassl-3803	59	3	reserved	reserve	VERB
hassl-3803	59	4	.	.	PUNCT
hassl-3803	60	1	2	2	X
hassl-3803	60	2	.	.	X
hassl-3803	60	3	review	review	NOUN
hassl-3803	60	4	of	of	ADP
hassl-3803	60	5	literature	literature	NOUN
hassl-3803	60	6	the	the	DET
hassl-3803	60	7	key	key	NOUN
hassl-3803	60	8	to	to	ADP
hassl-3803	60	9	the	the	DET
hassl-3803	60	10	digital	digital	ADJ
hassl-3803	60	11	economy	economy	NOUN
hassl-3803	60	12	is	be	AUX
hassl-3803	60	13	digital	digital	ADJ
hassl-3803	60	14	banking	banking	NOUN
hassl-3803	60	15	and	and	CCONJ
hassl-3803	60	16	the	the	DET
hassl-3803	60	17	financial	financial	ADJ
hassl-3803	60	18	system	system	NOUN
hassl-3803	60	19	.	.	PUNCT
hassl-3803	61	1	the	the	DET
hassl-3803	61	2	development	development	NOUN
hassl-3803	61	3	policy	policy	NOUN
hassl-3803	61	4	for	for	ADP
hassl-3803	61	5	india	india	PROPN
hassl-3803	61	6	should	should	AUX
hassl-3803	61	7	prioritize	prioritize	VERB
hassl-3803	61	8	achieving	achieve	VERB
hassl-3803	61	9	sustainable	sustainable	ADJ
hassl-3803	61	10	and	and	CCONJ
hassl-3803	61	11	equitable	equitable	ADJ
hassl-3803	61	12	economic	economic	ADJ
hassl-3803	61	13	progress	progress	NOUN
hassl-3803	61	14	,	,	PUNCT
hassl-3803	61	15	specifically	specifically	ADV
hassl-3803	61	16	tailored	tailor	VERB
hassl-3803	61	17	to	to	PART
hassl-3803	61	18	meet	meet	VERB
hassl-3803	61	19	the	the	DET
hassl-3803	61	20	evolving	evolve	VERB
hassl-3803	61	21	aspirations	aspiration	NOUN
hassl-3803	61	22	of	of	ADP
hassl-3803	61	23	young	young	ADJ
hassl-3803	61	24	generations	generation	NOUN
hassl-3803	61	25	(	(	PUNCT
hassl-3803	61	26	deloitte	deloitte	NOUN
hassl-3803	61	27	,	,	PUNCT
hassl-3803	61	28	2016	2016	NUM
hassl-3803	61	29	)	)	PUNCT
hassl-3803	61	30	.	.	PUNCT
hassl-3803	62	1	one	one	NUM
hassl-3803	62	2	example	example	NOUN
hassl-3803	62	3	of	of	ADP
hassl-3803	62	4	using	use	VERB
hassl-3803	62	5	digital	digital	ADJ
hassl-3803	62	6	financial	financial	ADJ
hassl-3803	62	7	platforms	platform	NOUN
hassl-3803	62	8	for	for	ADP
hassl-3803	62	9	equitable	equitable	ADJ
hassl-3803	62	10	progress	progress	NOUN
hassl-3803	62	11	is	be	AUX
hassl-3803	62	12	the	the	DET
hassl-3803	62	13	jan	jan	PROPN
hassl-3803	62	14	dhan	dhan	PROPN
hassl-3803	62	15	,	,	PUNCT
hassl-3803	62	16	aadhaar	aadhaar	NOUN
hassl-3803	62	17	,	,	PUNCT
hassl-3803	62	18	and	and	CCONJ
hassl-3803	62	19	mobile	mobile	ADJ
hassl-3803	62	20	(	(	PUNCT
hassl-3803	62	21	jam	jam	NOUN
hassl-3803	62	22	)	)	PUNCT
hassl-3803	62	23	scheme	scheme	NOUN
hassl-3803	62	24	for	for	ADP
hassl-3803	62	25	the	the	DET
hassl-3803	62	26	central	central	ADJ
hassl-3803	62	27	government	government	NOUN
hassl-3803	62	28	of	of	ADP
hassl-3803	62	29	india	india	PROPN
hassl-3803	62	30	's	's	PART
hassl-3803	62	31	direct	direct	ADJ
hassl-3803	62	32	transfer	transfer	NOUN
hassl-3803	62	33	of	of	ADP
hassl-3803	62	34	benefits	benefit	NOUN
hassl-3803	62	35	(	(	PUNCT
hassl-3803	62	36	dbt	dbt	PROPN
hassl-3803	62	37	)	)	PUNCT
hassl-3803	62	38	.	.	PUNCT
hassl-3803	63	1	the	the	DET
hassl-3803	63	2	government	government	NOUN
hassl-3803	63	3	directly	directly	ADV
hassl-3803	63	4	credits	credit	VERB
hassl-3803	63	5	subsidies	subsidy	NOUN
hassl-3803	63	6	,	,	PUNCT
hassl-3803	63	7	minimum	minimum	ADJ
hassl-3803	63	8	wage	wage	NOUN
hassl-3803	63	9	payments	payment	NOUN
hassl-3803	63	10	,	,	PUNCT
hassl-3803	63	11	and	and	CCONJ
hassl-3803	63	12	other	other	ADJ
hassl-3803	63	13	financial	financial	ADJ
hassl-3803	63	14	support	support	NOUN
hassl-3803	63	15	schemes	scheme	NOUN
hassl-3803	63	16	to	to	ADP
hassl-3803	63	17	the	the	DET
hassl-3803	63	18	beneficiary	beneficiary	NOUN
hassl-3803	63	19	account	account	NOUN
hassl-3803	63	20	,	,	PUNCT
hassl-3803	63	21	thereby	thereby	ADV
hassl-3803	63	22	eliminating	eliminate	VERB
hassl-3803	63	23	multiple	multiple	ADJ
hassl-3803	63	24	mid	mid	NOUN
hassl-3803	63	25	-	-	NOUN
hassl-3803	63	26	layers	layer	NOUN
hassl-3803	63	27	and	and	CCONJ
hassl-3803	63	28	infective	infective	ADJ
hassl-3803	63	29	distribution	distribution	NOUN
hassl-3803	63	30	systems	system	NOUN
hassl-3803	63	31	.	.	PUNCT
hassl-3803	64	1	the	the	DET
hassl-3803	64	2	pradhan	pradhan	PROPN
hassl-3803	64	3	mantri	mantri	PROPN
hassl-3803	64	4	jan	jan	PROPN
hassl-3803	64	5	dhan	dhan	PROPN
hassl-3803	64	6	yojana	yojana	PROPN
hassl-3803	64	7	(	(	PUNCT
hassl-3803	64	8	pmjdy	pmjdy	PROPN
hassl-3803	64	9	)	)	PUNCT
hassl-3803	64	10	of	of	ADP
hassl-3803	64	11	the	the	DET
hassl-3803	64	12	government	government	NOUN
hassl-3803	64	13	of	of	ADP
hassl-3803	64	14	india	india	PROPN
hassl-3803	64	15	is	be	AUX
hassl-3803	64	16	a	a	DET
hassl-3803	64	17	mechanism	mechanism	NOUN
hassl-3803	64	18	for	for	ADP
hassl-3803	64	19	reducing	reduce	VERB
hassl-3803	64	20	the	the	DET
hassl-3803	64	21	financial	financial	ADJ
hassl-3803	64	22	exclusion	exclusion	NOUN
hassl-3803	64	23	of	of	ADP
hassl-3803	64	24	poor	poor	ADJ
hassl-3803	64	25	or	or	CCONJ
hassl-3803	64	26	rural	rural	ADJ
hassl-3803	64	27	households	household	NOUN
hassl-3803	64	28	.	.	PUNCT
hassl-3803	65	1	the	the	DET
hassl-3803	65	2	scheme	scheme	NOUN
hassl-3803	65	3	provides	provide	VERB
hassl-3803	65	4	beneficiaries	beneficiary	NOUN
hassl-3803	65	5	with	with	ADP
hassl-3803	65	6	banking	banking	NOUN
hassl-3803	65	7	,	,	PUNCT
hassl-3803	65	8	insurance	insurance	NOUN
hassl-3803	65	9	,	,	PUNCT
hassl-3803	65	10	and	and	CCONJ
hassl-3803	65	11	pension	pension	NOUN
hassl-3803	65	12	facilities	facility	NOUN
hassl-3803	65	13	,	,	PUNCT
hassl-3803	65	14	as	as	ADV
hassl-3803	65	15	well	well	ADV
hassl-3803	65	16	as	as	ADP
hassl-3803	65	17	rupay	rupay	NOUN
hassl-3803	65	18	debit	debit	NOUN
hassl-3803	65	19	cards	card	NOUN
hassl-3803	65	20	.	.	PUNCT
hassl-3803	66	1	on	on	ADP
hassl-3803	66	2	the	the	DET
hassl-3803	66	3	supply	supply	NOUN
hassl-3803	66	4	side	side	NOUN
hassl-3803	66	5	,	,	PUNCT
hassl-3803	66	6	india	india	PROPN
hassl-3803	66	7	also	also	ADV
hassl-3803	66	8	sees	see	VERB
hassl-3803	66	9	several	several	ADJ
hassl-3803	66	10	mobile	mobile	ADJ
hassl-3803	66	11	network	network	NOUN
hassl-3803	66	12	operators	operator	NOUN
hassl-3803	66	13	providing	provide	VERB
hassl-3803	66	14	mobile	mobile	NOUN
hassl-3803	66	15	-	-	PUNCT
hassl-3803	66	16	based	base	VERB
hassl-3803	66	17	banking	banking	NOUN
hassl-3803	66	18	services	service	NOUN
hassl-3803	66	19	for	for	ADP
hassl-3803	66	20	easy	easy	ADJ
hassl-3803	66	21	money	money	NOUN
hassl-3803	66	22	transfer	transfer	NOUN
hassl-3803	66	23	.	.	PUNCT
hassl-3803	67	1	digital	digital	ADJ
hassl-3803	67	2	wallets	wallet	NOUN
hassl-3803	67	3	are	be	AUX
hassl-3803	67	4	strongly	strongly	ADV
hassl-3803	67	5	gaining	gain	VERB
hassl-3803	67	6	market	market	NOUN
hassl-3803	67	7	momentum	momentum	NOUN
hassl-3803	67	8	in	in	ADP
hassl-3803	67	9	the	the	DET
hassl-3803	67	10	country	country	NOUN
hassl-3803	67	11	,	,	PUNCT
hassl-3803	67	12	with	with	ADP
hassl-3803	67	13	many	many	ADJ
hassl-3803	67	14	players	player	NOUN
hassl-3803	67	15	providing	provide	VERB
hassl-3803	67	16	bill	bill	NOUN
hassl-3803	67	17	payment	payment	NOUN
hassl-3803	67	18	,	,	PUNCT
hassl-3803	67	19	mobile	mobile	ADJ
hassl-3803	67	20	recharge	recharge	NOUN
hassl-3803	67	21	,	,	PUNCT
hassl-3803	67	22	and	and	CCONJ
hassl-3803	67	23	shopping	shopping	NOUN
hassl-3803	67	24	facilities	facility	NOUN
hassl-3803	67	25	.	.	PUNCT
hassl-3803	68	1	fintech	fintech	NOUN
hassl-3803	68	2	is	be	AUX
hassl-3803	68	3	a	a	DET
hassl-3803	68	4	fast	fast	ADV
hassl-3803	68	5	-	-	PUNCT
hassl-3803	68	6	emerging	emerge	VERB
hassl-3803	68	7	area	area	NOUN
hassl-3803	68	8	in	in	ADP
hassl-3803	68	9	banking	banking	NOUN
hassl-3803	68	10	and	and	CCONJ
hassl-3803	68	11	other	other	ADJ
hassl-3803	68	12	financial	financial	ADJ
hassl-3803	68	13	services	service	NOUN
hassl-3803	68	14	,	,	PUNCT
hassl-3803	68	15	making	make	VERB
hassl-3803	68	16	the	the	DET
hassl-3803	68	17	banking	banking	NOUN
hassl-3803	68	18	experience	experience	NOUN
hassl-3803	68	19	more	more	ADV
hassl-3803	68	20	personalized	personalized	ADJ
hassl-3803	68	21	and	and	CCONJ
hassl-3803	68	22	empowering	empower	VERB
hassl-3803	68	23	(	(	PUNCT
hassl-3803	68	24	limna	limna	VERB
hassl-3803	68	25	&	&	CCONJ
hassl-3803	68	26	kraiwanit	kraiwanit	PROPN
hassl-3803	68	27	,	,	PUNCT
hassl-3803	68	28	2022	2022	NUM
hassl-3803	68	29	)	)	PUNCT
hassl-3803	68	30	.	.	PUNCT
hassl-3803	69	1	the	the	DET
hassl-3803	69	2	synergy	synergy	NOUN
hassl-3803	69	3	of	of	ADP
hassl-3803	69	4	combining	combine	VERB
hassl-3803	69	5	financial	financial	ADJ
hassl-3803	69	6	services	service	NOUN
hassl-3803	69	7	and	and	CCONJ
hassl-3803	69	8	technology	technology	NOUN
hassl-3803	69	9	is	be	AUX
hassl-3803	69	10	a	a	DET
hassl-3803	69	11	strong	strong	ADJ
hassl-3803	69	12	pathway	pathway	NOUN
hassl-3803	69	13	to	to	ADP
hassl-3803	69	14	building	build	VERB
hassl-3803	69	15	a	a	DET
hassl-3803	69	16	robust	robust	ADJ
hassl-3803	69	17	digital	digital	ADJ
hassl-3803	69	18	economy	economy	NOUN
hassl-3803	69	19	(	(	PUNCT
hassl-3803	69	20	deloitte	deloitte	PROPN
hassl-3803	69	21	,	,	PUNCT
hassl-3803	69	22	2017	2017	NUM
hassl-3803	69	23	)	)	PUNCT
hassl-3803	69	24	.	.	PUNCT
hassl-3803	70	1	indian	indian	ADJ
hassl-3803	70	2	fintech	fintech	NOUN
hassl-3803	70	3	emerged	emerge	VERB
hassl-3803	70	4	as	as	ADP
hassl-3803	70	5	one	one	NUM
hassl-3803	70	6	of	of	ADP
hassl-3803	70	7	the	the	DET
hassl-3803	70	8	world	world	NOUN
hassl-3803	70	9	's	's	PART
hassl-3803	70	10	top	top	ADJ
hassl-3803	70	11	fintech	fintech	NOUN
hassl-3803	70	12	markets	market	NOUN
hassl-3803	70	13	in	in	ADP
hassl-3803	70	14	terms	term	NOUN
hassl-3803	70	15	of	of	ADP
hassl-3803	70	16	capital	capital	NOUN
hassl-3803	70	17	funding	funding	NOUN
hassl-3803	70	18	and	and	CCONJ
hassl-3803	70	19	investment	investment	NOUN
hassl-3803	70	20	value	value	NOUN
hassl-3803	70	21	,	,	PUNCT
hassl-3803	70	22	reaching	reach	VERB
hassl-3803	70	23	us$270	us$270	NOUN
hassl-3803	70	24	million	million	NUM
hassl-3803	70	25	by	by	ADP
hassl-3803	70	26	2016	2016	NUM
hassl-3803	70	27	.	.	PUNCT
hassl-3803	71	1	although	although	SCONJ
hassl-3803	71	2	financial	financial	ADJ
hassl-3803	71	3	service	service	NOUN
hassl-3803	71	4	providers	provider	NOUN
hassl-3803	71	5	have	have	AUX
hassl-3803	71	6	embraced	embrace	VERB
hassl-3803	71	7	technology	technology	NOUN
hassl-3803	71	8	to	to	PART
hassl-3803	71	9	improve	improve	VERB
hassl-3803	71	10	their	their	PRON
hassl-3803	71	11	service	service	NOUN
hassl-3803	71	12	delivery	delivery	NOUN
hassl-3803	71	13	,	,	PUNCT
hassl-3803	71	14	the	the	DET
hassl-3803	71	15	pace	pace	NOUN
hassl-3803	71	16	of	of	ADP
hassl-3803	71	17	adoption	adoption	NOUN
hassl-3803	71	18	falls	fall	VERB
hassl-3803	71	19	short	short	ADJ
hassl-3803	71	20	of	of	ADP
hassl-3803	71	21	its	its	PRON
hassl-3803	71	22	potential	potential	NOUN
hassl-3803	71	23	.	.	PUNCT
hassl-3803	72	1	the	the	DET
hassl-3803	72	2	young	young	ADJ
hassl-3803	72	3	population	population	NOUN
hassl-3803	72	4	in	in	ADP
hassl-3803	72	5	india	india	PROPN
hassl-3803	72	6	,	,	PUNCT
hassl-3803	72	7	numbering	number	VERB
hassl-3803	72	8	nearly	nearly	ADV
hassl-3803	72	9	440	440	NUM
hassl-3803	72	10	million	million	NUM
hassl-3803	72	11	millennials	millennial	NOUN
hassl-3803	72	12	,	,	PUNCT
hassl-3803	72	13	constitutes	constitute	VERB
hassl-3803	72	14	one	one	NUM
hassl-3803	72	15	of	of	ADP
hassl-3803	72	16	the	the	DET
hassl-3803	72	17	largest	large	ADJ
hassl-3803	72	18	populations	population	NOUN
hassl-3803	72	19	that	that	PRON
hassl-3803	72	20	are	be	AUX
hassl-3803	72	21	productive	productive	ADJ
hassl-3803	72	22	.	.	PUNCT
hassl-3803	73	1	this	this	DET
hassl-3803	73	2	group	group	NOUN
hassl-3803	73	3	is	be	AUX
hassl-3803	73	4	increasingly	increasingly	ADV
hassl-3803	73	5	adopting	adopt	VERB
hassl-3803	73	6	technology	technology	NOUN
hassl-3803	73	7	-	-	PUNCT
hassl-3803	73	8	based	base	VERB
hassl-3803	73	9	digital	digital	ADJ
hassl-3803	73	10	media	medium	NOUN
hassl-3803	73	11	to	to	PART
hassl-3803	73	12	engage	engage	VERB
hassl-3803	73	13	in	in	ADP
hassl-3803	73	14	market	market	NOUN
hassl-3803	73	15	-	-	PUNCT
hassl-3803	73	16	related	relate	VERB
hassl-3803	73	17	activities	activity	NOUN
hassl-3803	73	18	like	like	ADP
hassl-3803	73	19	enquiring	enquire	VERB
hassl-3803	73	20	,	,	PUNCT
hassl-3803	73	21	purchasing	purchasing	NOUN
hassl-3803	73	22	,	,	PUNCT
hassl-3803	73	23	and	and	CCONJ
hassl-3803	73	24	paying	pay	VERB
hassl-3803	73	25	for	for	ADP
hassl-3803	73	26	merchandise	merchandise	NOUN
hassl-3803	73	27	.	.	PUNCT
hassl-3803	74	1	the	the	DET
hassl-3803	74	2	presence	presence	NOUN
hassl-3803	74	3	of	of	ADP
hassl-3803	74	4	a	a	DET
hassl-3803	74	5	number	number	NOUN
hassl-3803	74	6	of	of	ADP
hassl-3803	74	7	application	application	NOUN
hassl-3803	74	8	programming	programming	NOUN
hassl-3803	74	9	interfaces	interface	NOUN
hassl-3803	74	10	,	,	PUNCT
hassl-3803	74	11	expanding	expand	VERB
hassl-3803	74	12	digital	digital	ADJ
hassl-3803	74	13	and	and	CCONJ
hassl-3803	74	14	internet	internet	NOUN
hassl-3803	74	15	infrastructure	infrastructure	NOUN
hassl-3803	74	16	,	,	PUNCT
hassl-3803	74	17	expanding	expand	VERB
hassl-3803	74	18	e	e	PROPN
hassl-3803	74	19	-	-	NOUN
hassl-3803	74	20	commerce	commerce	NOUN
hassl-3803	74	21	marketplaces	marketplace	NOUN
hassl-3803	74	22	,	,	PUNCT
hassl-3803	74	23	and	and	CCONJ
hassl-3803	74	24	strong	strong	ADJ
hassl-3803	74	25	mobile	mobile	ADJ
hassl-3803	74	26	phone	phone	NOUN
hassl-3803	74	27	penetration	penetration	NOUN
hassl-3803	74	28	are	be	AUX
hassl-3803	74	29	going	go	VERB
hassl-3803	74	30	to	to	PART
hassl-3803	74	31	drive	drive	VERB
hassl-3803	74	32	the	the	DET
hassl-3803	74	33	growth	growth	NOUN
hassl-3803	74	34	of	of	ADP
hassl-3803	74	35	digital	digital	ADJ
hassl-3803	74	36	financial	financial	ADJ
hassl-3803	74	37	services	service	NOUN
hassl-3803	74	38	in	in	ADP
hassl-3803	74	39	india	india	PROPN
hassl-3803	74	40	(	(	PUNCT
hassl-3803	74	41	deloitte	deloitte	PROPN
hassl-3803	74	42	,	,	PUNCT
hassl-3803	74	43	2017a	2017a	NUM
hassl-3803	74	44	;	;	PUNCT
hassl-3803	74	45	ernst	ernst	PROPN
hassl-3803	74	46	&	&	CCONJ
hassl-3803	74	47	young	young	ADJ
hassl-3803	74	48	,	,	PUNCT
hassl-3803	74	49	2022	2022	NUM
hassl-3803	74	50	)	)	PUNCT
hassl-3803	74	51	.	.	PUNCT
hassl-3803	75	1	the	the	DET
hassl-3803	75	2	availability	availability	NOUN
hassl-3803	75	3	of	of	ADP
hassl-3803	75	4	unique	unique	ADJ
hassl-3803	75	5	digital	digital	ADJ
hassl-3803	75	6	biometric	biometric	ADJ
hassl-3803	75	7	identities	identity	NOUN
hassl-3803	75	8	of	of	ADP
hassl-3803	75	9	individuals	individual	NOUN
hassl-3803	75	10	through	through	ADP
hassl-3803	75	11	aadhaar	aadhaar	NOUN
hassl-3803	75	12	can	can	AUX
hassl-3803	75	13	also	also	ADV
hassl-3803	75	14	be	be	AUX
hassl-3803	75	15	a	a	DET
hassl-3803	75	16	driver	driver	NOUN
hassl-3803	75	17	in	in	ADP
hassl-3803	75	18	assisting	assist	VERB
hassl-3803	75	19	financial	financial	ADJ
hassl-3803	75	20	service	service	NOUN
hassl-3803	75	21	providers	provider	NOUN
hassl-3803	75	22	to	to	PART
hassl-3803	75	23	reduce	reduce	VERB
hassl-3803	75	24	customer	customer	NOUN
hassl-3803	75	25	acquisition	acquisition	NOUN
hassl-3803	75	26	costs	cost	NOUN
hassl-3803	75	27	,	,	PUNCT
hassl-3803	75	28	service	service	NOUN
hassl-3803	75	29	costs	cost	NOUN
hassl-3803	75	30	,	,	PUNCT
hassl-3803	75	31	and	and	CCONJ
hassl-3803	75	32	distribution	distribution	NOUN
hassl-3803	75	33	costs	cost	NOUN
hassl-3803	75	34	,	,	PUNCT
hassl-3803	75	35	thereby	thereby	ADV
hassl-3803	75	36	expanding	expand	VERB
hassl-3803	75	37	their	their	PRON
hassl-3803	75	38	customer	customer	NOUN
hassl-3803	75	39	base	base	NOUN
hassl-3803	75	40	with	with	ADP
hassl-3803	75	41	limited	limited	ADJ
hassl-3803	75	42	physical	physical	ADJ
hassl-3803	75	43	presence	presence	NOUN
hassl-3803	75	44	(	(	PUNCT
hassl-3803	75	45	das	das	PROPN
hassl-3803	75	46	,	,	PUNCT
hassl-3803	75	47	2015	2015	NUM
hassl-3803	75	48	)	)	PUNCT
hassl-3803	75	49	.	.	PUNCT
hassl-3803	76	1	driven	drive	VERB
hassl-3803	76	2	by	by	ADP
hassl-3803	76	3	the	the	DET
hassl-3803	76	4	ecosystem	ecosystem	NOUN
hassl-3803	76	5	,	,	PUNCT
hassl-3803	76	6	the	the	DET
hassl-3803	76	7	number	number	NOUN
hassl-3803	76	8	of	of	ADP
hassl-3803	76	9	fintech	fintech	NOUN
hassl-3803	76	10	startups	startup	NOUN
hassl-3803	76	11	in	in	ADP
hassl-3803	76	12	india	india	PROPN
hassl-3803	76	13	reached	reach	VERB
hassl-3803	76	14	7,300	7,300	NUM
hassl-3803	76	15	by	by	ADP
hassl-3803	76	16	july	july	PROPN
hassl-3803	76	17	2022	2022	NUM
hassl-3803	76	18	,	,	PUNCT
hassl-3803	76	19	with	with	ADP
hassl-3803	76	20	a	a	DET
hassl-3803	76	21	value	value	NOUN
hassl-3803	76	22	of	of	ADP
hassl-3803	76	23	us$	us$	SYM
hassl-3803	76	24	30.2	30.2	NUM
hassl-3803	76	25	billion	billion	NUM
hassl-3803	76	26	in	in	ADP
hassl-3803	76	27	funding	funding	NOUN
hassl-3803	76	28	(	(	PUNCT
hassl-3803	76	29	ernst	ernst	PROPN
hassl-3803	76	30	&	&	CCONJ
hassl-3803	76	31	young	young	ADJ
hassl-3803	76	32	,	,	PUNCT
hassl-3803	76	33	2022	2022	NUM
hassl-3803	76	34	)	)	PUNCT
hassl-3803	76	35	.	.	PUNCT
hassl-3803	77	1	thus	thus	ADV
hassl-3803	77	2	,	,	PUNCT
hassl-3803	77	3	evidence	evidence	NOUN
hassl-3803	77	4	suggests	suggest	VERB
hassl-3803	77	5	that	that	SCONJ
hassl-3803	77	6	fintech	fintech	NOUN
hassl-3803	77	7	is	be	AUX
hassl-3803	77	8	gaining	gain	VERB
hassl-3803	77	9	tremendous	tremendous	ADJ
hassl-3803	77	10	momentum	momentum	NOUN
hassl-3803	77	11	in	in	ADP
hassl-3803	77	12	india	india	PROPN
hassl-3803	77	13	,	,	PUNCT
hassl-3803	77	14	aided	aid	VERB
hassl-3803	77	15	by	by	ADP
hassl-3803	77	16	a	a	DET
hassl-3803	77	17	number	number	NOUN
hassl-3803	77	18	of	of	ADP
hassl-3803	77	19	factors	factor	NOUN
hassl-3803	77	20	such	such	ADJ
hassl-3803	77	21	as	as	ADP
hassl-3803	77	22	digital	digital	ADJ
hassl-3803	77	23	infrastructure	infrastructure	NOUN
hassl-3803	77	24	,	,	PUNCT
hassl-3803	77	25	mobile	mobile	ADJ
hassl-3803	77	26	phone	phone	NOUN
hassl-3803	77	27	usage	usage	NOUN
hassl-3803	77	28	,	,	PUNCT
hassl-3803	77	29	a	a	DET
hassl-3803	77	30	large	large	ADJ
hassl-3803	77	31	young	young	ADJ
hassl-3803	77	32	population	population	NOUN
hassl-3803	77	33	,	,	PUNCT
hassl-3803	77	34	and	and	CCONJ
hassl-3803	77	35	so	so	ADV
hassl-3803	77	36	on	on	ADV
hassl-3803	77	37	.	.	PUNCT
hassl-3803	78	1	ultimately	ultimately	ADV
hassl-3803	78	2	,	,	PUNCT
hassl-3803	78	3	the	the	DET
hassl-3803	78	4	perception	perception	NOUN
hassl-3803	78	5	of	of	ADP
hassl-3803	78	6	fintech	fintech	NOUN
hassl-3803	78	7	by	by	ADP
hassl-3803	78	8	its	its	PRON
hassl-3803	78	9	users	user	NOUN
hassl-3803	78	10	and	and	CCONJ
hassl-3803	78	11	beneficiaries	beneficiary	NOUN
hassl-3803	78	12	,	,	PUNCT
hassl-3803	78	13	particularly	particularly	ADV
hassl-3803	78	14	the	the	DET
hassl-3803	78	15	young	young	ADJ
hassl-3803	78	16	generation	generation	NOUN
hassl-3803	78	17	,	,	PUNCT
hassl-3803	78	18	largely	largely	ADV
hassl-3803	78	19	determines	determine	VERB
hassl-3803	78	20	its	its	PRON
hassl-3803	78	21	success	success	NOUN
hassl-3803	78	22	,	,	PUNCT
hassl-3803	78	23	despite	despite	SCONJ
hassl-3803	78	24	the	the	DET
hassl-3803	78	25	sector	sector	NOUN
hassl-3803	78	26	's	's	PART
hassl-3803	78	27	tremendous	tremendous	ADJ
hassl-3803	78	28	growth	growth	NOUN
hassl-3803	78	29	in	in	ADP
hassl-3803	78	30	terms	term	NOUN
hassl-3803	78	31	of	of	ADP
hassl-3803	78	32	firms	firm	NOUN
hassl-3803	78	33	and	and	CCONJ
hassl-3803	78	34	funding	funding	NOUN
hassl-3803	78	35	.	.	PUNCT
hassl-3803	79	1	thus	thus	ADV
hassl-3803	79	2	,	,	PUNCT
hassl-3803	79	3	it	it	PRON
hassl-3803	79	4	is	be	AUX
hassl-3803	79	5	important	important	ADJ
hassl-3803	79	6	to	to	PART
hassl-3803	79	7	understand	understand	VERB
hassl-3803	79	8	the	the	DET
hassl-3803	79	9	factors	factor	NOUN
hassl-3803	79	10	that	that	PRON
hassl-3803	79	11	shape	shape	VERB
hassl-3803	79	12	and	and	CCONJ
hassl-3803	79	13	control	control	VERB
hassl-3803	79	14	the	the	DET
hassl-3803	79	15	adoption	adoption	NOUN
hassl-3803	79	16	of	of	ADP
hassl-3803	79	17	fintech	fintech	NOUN
hassl-3803	79	18	in	in	ADP
hassl-3803	79	19	india	india	PROPN
hassl-3803	79	20	among	among	ADP
hassl-3803	79	21	the	the	DET
hassl-3803	79	22	youth	youth	NOUN
hassl-3803	79	23	.	.	PUNCT
hassl-3803	80	1	intention	intention	NOUN
hassl-3803	80	2	to	to	PART
hassl-3803	80	3	adopt	adopt	VERB
hassl-3803	80	4	a	a	DET
hassl-3803	80	5	specific	specific	ADJ
hassl-3803	80	6	behaviour	behaviour	NOUN
hassl-3803	80	7	has	have	AUX
hassl-3803	80	8	been	be	AUX
hassl-3803	80	9	extensively	extensively	ADV
hassl-3803	80	10	examined	examine	VERB
hassl-3803	80	11	using	use	VERB
hassl-3803	80	12	the	the	DET
hassl-3803	80	13	theory	theory	NOUN
hassl-3803	80	14	of	of	ADP
hassl-3803	80	15	planned	plan	VERB
hassl-3803	80	16	behaviour	behaviour	NOUN
hassl-3803	80	17	in	in	ADP
hassl-3803	80	18	a	a	DET
hassl-3803	80	19	variety	variety	NOUN
hassl-3803	80	20	of	of	ADP
hassl-3803	80	21	spheres	sphere	NOUN
hassl-3803	80	22	(	(	PUNCT
hassl-3803	80	23	ajzen	ajzen	NOUN
hassl-3803	80	24	&	&	CCONJ
hassl-3803	80	25	driver	driver	NOUN
hassl-3803	80	26	,	,	PUNCT
hassl-3803	80	27	1991	1991	NUM
hassl-3803	80	28	;	;	PUNCT
hassl-3803	80	29	ajzen	ajzen	NUM
hassl-3803	80	30	,	,	PUNCT
hassl-3803	80	31	joyce	joyce	PROPN
hassl-3803	80	32	,	,	PUNCT
hassl-3803	80	33	sheikh	sheikh	NOUN
hassl-3803	80	34	,	,	PUNCT
hassl-3803	80	35	&	&	CCONJ
hassl-3803	80	36	cote	cote	PROPN
hassl-3803	80	37	,	,	PUNCT
hassl-3803	80	38	2011	2011	NUM
hassl-3803	80	39	;	;	PUNCT
hassl-3803	80	40	asare	asare	ADJ
hassl-3803	80	41	,	,	PUNCT
hassl-3803	80	42	2015	2015	NUM
hassl-3803	80	43	;	;	PUNCT
hassl-3803	80	44	bosnjak	bosnjak	PROPN
hassl-3803	80	45	,	,	PUNCT
hassl-3803	80	46	ajzen	ajzen	NOUN
hassl-3803	80	47	,	,	PUNCT
hassl-3803	80	48	&	&	CCONJ
hassl-3803	80	49	schmidt	schmidt	PROPN
hassl-3803	80	50	,	,	PUNCT
hassl-3803	80	51	2020	2020	NUM
hassl-3803	80	52	;	;	PUNCT
hassl-3803	80	53	cooper	cooper	NOUN
hassl-3803	80	54	,	,	PUNCT
hassl-3803	80	55	barkatsas	barkatsa	NOUN
hassl-3803	80	56	,	,	PUNCT
hassl-3803	80	57	&	&	CCONJ
hassl-3803	80	58	strathdee	strathdee	PROPN
hassl-3803	80	59	,	,	PUNCT
hassl-3803	80	60	2016	2016	NUM
hassl-3803	80	61	;	;	PUNCT
hassl-3803	80	62	sniehotta	sniehotta	PROPN
hassl-3803	80	63	,	,	PUNCT
hassl-3803	80	64	2009	2009	NUM
hassl-3803	80	65	)	)	PUNCT
hassl-3803	80	66	)	)	PUNCT
hassl-3803	80	67	.	.	PUNCT
hassl-3803	81	1	many	many	ADJ
hassl-3803	81	2	researchers	researcher	NOUN
hassl-3803	81	3	(	(	PUNCT
hassl-3803	81	4	eg	eg	NOUN
hassl-3803	81	5	.	.	PUNCT
hassl-3803	81	6	(	(	PUNCT
hassl-3803	81	7	lee	lee	PROPN
hassl-3803	81	8	,	,	PUNCT
hassl-3803	81	9	cerreto	cerreto	PROPN
hassl-3803	81	10	,	,	PUNCT
hassl-3803	81	11	&	&	CCONJ
hassl-3803	81	12	lee	lee	PROPN
hassl-3803	81	13	,	,	PUNCT
hassl-3803	81	14	2010	2010	NUM
hassl-3803	81	15	;	;	PUNCT
hassl-3803	81	16	lynne	lynne	PROPN
hassl-3803	81	17	,	,	PUNCT
hassl-3803	81	18	casey	casey	PROPN
hassl-3803	81	19	,	,	PUNCT
hassl-3803	81	20	hodges	hodge	NOUN
hassl-3803	81	21	,	,	PUNCT
hassl-3803	81	22	&	&	CCONJ
hassl-3803	81	23	rahmani	rahmani	PROPN
hassl-3803	81	24	,	,	PUNCT
hassl-3803	81	25	1995	1995	NUM
hassl-3803	81	26	;	;	PUNCT
hassl-3803	81	27	morris	morris	PROPN
hassl-3803	81	28	,	,	PUNCT
hassl-3803	81	29	venkatesh	venkatesh	PROPN
hassl-3803	81	30	,	,	PUNCT
hassl-3803	81	31	&	&	CCONJ
hassl-3803	81	32	ackerman	ackerman	PROPN
hassl-3803	81	33	,	,	PUNCT
hassl-3803	81	34	2005	2005	NUM
hassl-3803	81	35	;	;	PUNCT
hassl-3803	81	36	pavlou	pavlou	PROPN
hassl-3803	81	37	,	,	PUNCT
hassl-3803	81	38	2017	2017	NUM
hassl-3803	81	39	;	;	PUNCT
hassl-3803	81	40	teo	teo	PROPN
hassl-3803	81	41	,	,	PUNCT
hassl-3803	81	42	zhou	zhou	PROPN
hassl-3803	81	43	,	,	PUNCT
hassl-3803	81	44	&	&	CCONJ
hassl-3803	81	45	noyes	noyes	PROPN
hassl-3803	81	46	,	,	PUNCT
hassl-3803	81	47	2016	2016	NUM
hassl-3803	81	48	)	)	PUNCT
hassl-3803	81	49	)	)	PUNCT
hassl-3803	81	50	found	find	VERB
hassl-3803	81	51	that	that	SCONJ
hassl-3803	81	52	tpb	tpb	NOUN
hassl-3803	81	53	could	could	AUX
hassl-3803	81	54	be	be	AUX
hassl-3803	81	55	used	use	VERB
hassl-3803	81	56	to	to	PART
hassl-3803	81	57	explain	explain	VERB
hassl-3803	81	58	intentions	intention	NOUN
hassl-3803	81	59	to	to	PART
hassl-3803	81	60	engage	engage	VERB
hassl-3803	81	61	in	in	ADP
hassl-3803	81	62	technology	technology	NOUN
hassl-3803	81	63	-	-	PUNCT
hassl-3803	81	64	related	relate	VERB
hassl-3803	81	65	behaviours	behaviour	NOUN
hassl-3803	81	66	with	with	ADP
hassl-3803	81	67	very	very	ADV
hassl-3803	81	68	high	high	ADJ
hassl-3803	81	69	explanatory	explanatory	ADJ
hassl-3803	81	70	power	power	NOUN
hassl-3803	81	71	for	for	ADP
hassl-3803	81	72	the	the	DET
hassl-3803	81	73	predictors	predictor	NOUN
hassl-3803	81	74	in	in	ADP
hassl-3803	81	75	the	the	DET
hassl-3803	81	76	model	model	NOUN
hassl-3803	81	77	.	.	PUNCT
hassl-3803	82	1	despite	despite	SCONJ
hassl-3803	82	2	the	the	DET
hassl-3803	82	3	increasing	increase	VERB
hassl-3803	82	4	and	and	CCONJ
hassl-3803	82	5	significant	significant	ADJ
hassl-3803	82	6	role	role	NOUN
hassl-3803	82	7	of	of	ADP
hassl-3803	82	8	fintech	fintech	NOUN
hassl-3803	82	9	services	service	NOUN
hassl-3803	82	10	and	and	CCONJ
hassl-3803	82	11	the	the	DET
hassl-3803	82	12	active	active	ADJ
hassl-3803	82	13	use	use	NOUN
hassl-3803	82	14	of	of	ADP
hassl-3803	82	15	financial	financial	ADJ
hassl-3803	82	16	technology	technology	NOUN
hassl-3803	82	17	by	by	ADP
hassl-3803	82	18	young	young	ADJ
hassl-3803	82	19	people	people	NOUN
hassl-3803	82	20	,	,	PUNCT
hassl-3803	82	21	no	no	DET
hassl-3803	82	22	study	study	NOUN
hassl-3803	82	23	in	in	ADP
hassl-3803	82	24	india	india	PROPN
hassl-3803	82	25	has	have	AUX
hassl-3803	82	26	examined	examine	VERB
hassl-3803	82	27	how	how	SCONJ
hassl-3803	82	28	young	young	ADJ
hassl-3803	82	29	people	people	NOUN
hassl-3803	82	30	develop	develop	VERB
hassl-3803	82	31	their	their	PRON
hassl-3803	82	32	intentions	intention	NOUN
hassl-3803	82	33	to	to	PART
hassl-3803	82	34	use	use	VERB
hassl-3803	82	35	these	these	DET
hassl-3803	82	36	services	service	NOUN
hassl-3803	82	37	.	.	PUNCT
hassl-3803	83	1	there	there	PRON
hassl-3803	83	2	has	have	AUX
hassl-3803	83	3	been	be	AUX
hassl-3803	83	4	no	no	DET
hassl-3803	83	5	attempt	attempt	NOUN
hassl-3803	83	6	to	to	PART
hassl-3803	83	7	develop	develop	VERB
hassl-3803	83	8	a	a	DET
hassl-3803	83	9	theoretical	theoretical	ADJ
hassl-3803	83	10	model	model	NOUN
hassl-3803	83	11	that	that	PRON
hassl-3803	83	12	can	can	AUX
hassl-3803	83	13	explain	explain	VERB
hassl-3803	83	14	the	the	DET
hassl-3803	83	15	development	development	NOUN
hassl-3803	83	16	of	of	ADP
hassl-3803	83	17	such	such	ADJ
hassl-3803	83	18	intentions	intention	NOUN
hassl-3803	83	19	.	.	PUNCT
hassl-3803	84	1	hence	hence	ADV
hassl-3803	84	2	,	,	PUNCT
hassl-3803	84	3	the	the	DET
hassl-3803	84	4	present	present	ADJ
hassl-3803	84	5	study	study	NOUN
hassl-3803	84	6	attempts	attempt	VERB
hassl-3803	84	7	to	to	PART
hassl-3803	84	8	fill	fill	VERB
hassl-3803	84	9	the	the	DET
hassl-3803	84	10	existing	exist	VERB
hassl-3803	84	11	research	research	NOUN
hassl-3803	84	12	gap	gap	NOUN
hassl-3803	84	13	.	.	PUNCT
hassl-3803	85	1	humanities	humanity	NOUN
hassl-3803	85	2	and	and	CCONJ
hassl-3803	85	3	social	social	ADJ
hassl-3803	85	4	sciences	science	NOUN
hassl-3803	85	5	letters	letter	NOUN
hassl-3803	85	6	,	,	PUNCT
hassl-3803	85	7	2024	2024	NUM
hassl-3803	85	8	,	,	PUNCT
hassl-3803	85	9	12(3	12(3	NUM
hassl-3803	85	10	):	):	PUNCT
hassl-3803	85	11	543	543	NUM
hassl-3803	85	12	-	-	SYM
hassl-3803	85	13	555	555	NUM
hassl-3803	85	14	546	546	NUM
hassl-3803	85	15	©	©	PROPN
hassl-3803	85	16	2024	2024	NUM
hassl-3803	85	17	conscientia	conscientia	PROPN
hassl-3803	85	18	beam	beam	PROPN
hassl-3803	85	19	.	.	PUNCT
hassl-3803	86	1	all	all	DET
hassl-3803	86	2	rights	right	NOUN
hassl-3803	86	3	reserved	reserve	VERB
hassl-3803	86	4	.	.	PUNCT
hassl-3803	87	1	3	3	X
hassl-3803	87	2	.	.	X
hassl-3803	87	3	theory	theory	NOUN
hassl-3803	87	4	and	and	CCONJ
hassl-3803	87	5	hypotheses	hypothese	VERB
hassl-3803	87	6	development	development	VERB
hassl-3803	87	7	the	the	DET
hassl-3803	87	8	theory	theory	NOUN
hassl-3803	87	9	of	of	ADP
hassl-3803	87	10	planned	plan	VERB
hassl-3803	87	11	behaviour	behaviour	NOUN
hassl-3803	87	12	is	be	AUX
hassl-3803	87	13	an	an	DET
hassl-3803	87	14	extension	extension	NOUN
hassl-3803	87	15	of	of	ADP
hassl-3803	87	16	the	the	DET
hassl-3803	87	17	theory	theory	NOUN
hassl-3803	87	18	of	of	ADP
hassl-3803	87	19	reasoned	reasoned	ADJ
hassl-3803	87	20	action	action	NOUN
hassl-3803	87	21	of	of	ADP
hassl-3803	87	22	fishbein	fishbein	NOUN
hassl-3803	87	23	and	and	CCONJ
hassl-3803	87	24	ajzen	ajzen	NOUN
hassl-3803	87	25	(	(	PUNCT
hassl-3803	87	26	1975	1975	NUM
hassl-3803	87	27	)	)	PUNCT
hassl-3803	87	28	and	and	CCONJ
hassl-3803	87	29	ajzen	ajzen	NOUN
hassl-3803	87	30	and	and	CCONJ
hassl-3803	87	31	fishbein	fishbein	ADJ
hassl-3803	87	32	(	(	PUNCT
hassl-3803	87	33	1980	1980	NUM
hassl-3803	87	34	)	)	PUNCT
hassl-3803	87	35	.	.	PUNCT
hassl-3803	88	1	the	the	DET
hassl-3803	88	2	theory	theory	NOUN
hassl-3803	88	3	posits	posit	NOUN
hassl-3803	88	4	that	that	PRON
hassl-3803	88	5	individuals	individual	NOUN
hassl-3803	88	6	engage	engage	VERB
hassl-3803	88	7	in	in	ADP
hassl-3803	88	8	behaviour	behaviour	NOUN
hassl-3803	88	9	logically	logically	ADV
hassl-3803	88	10	and	and	CCONJ
hassl-3803	88	11	reasonedly	reasonedly	ADV
hassl-3803	88	12	,	,	PUNCT
hassl-3803	88	13	guided	guide	VERB
hassl-3803	88	14	by	by	ADP
hassl-3803	88	15	their	their	PRON
hassl-3803	88	16	personal	personal	ADJ
hassl-3803	88	17	attitudes	attitude	NOUN
hassl-3803	88	18	,	,	PUNCT
hassl-3803	88	19	beliefs	belief	NOUN
hassl-3803	88	20	about	about	ADP
hassl-3803	88	21	the	the	DET
hassl-3803	88	22	ease	ease	NOUN
hassl-3803	88	23	of	of	ADP
hassl-3803	88	24	performing	perform	VERB
hassl-3803	88	25	such	such	ADJ
hassl-3803	88	26	actions	action	NOUN
hassl-3803	88	27	,	,	PUNCT
hassl-3803	88	28	and	and	CCONJ
hassl-3803	88	29	the	the	DET
hassl-3803	88	30	perspectives	perspective	NOUN
hassl-3803	88	31	of	of	ADP
hassl-3803	88	32	important	important	ADJ
hassl-3803	88	33	individuals	individual	NOUN
hassl-3803	88	34	(	(	PUNCT
hassl-3803	88	35	ryan	ryan	PROPN
hassl-3803	88	36	&	&	CCONJ
hassl-3803	88	37	carr	carr	PROPN
hassl-3803	88	38	,	,	PUNCT
hassl-3803	88	39	2010	2010	NUM
hassl-3803	88	40	)	)	PUNCT
hassl-3803	88	41	.	.	PUNCT
hassl-3803	89	1	arafat	arafat	PROPN
hassl-3803	89	2	and	and	CCONJ
hassl-3803	89	3	ibrahim	ibrahim	PROPN
hassl-3803	89	4	(	(	PUNCT
hassl-3803	89	5	2018	2018	NUM
hassl-3803	89	6	)	)	PUNCT
hassl-3803	89	7	use	use	VERB
hassl-3803	89	8	this	this	DET
hassl-3803	89	9	widely	widely	ADV
hassl-3803	89	10	applied	apply	VERB
hassl-3803	89	11	behavioural	behavioural	ADJ
hassl-3803	89	12	model	model	NOUN
hassl-3803	89	13	to	to	PART
hassl-3803	89	14	predict	predict	VERB
hassl-3803	89	15	deliberate	deliberate	ADJ
hassl-3803	89	16	behaviour	behaviour	NOUN
hassl-3803	89	17	,	,	PUNCT
hassl-3803	89	18	which	which	PRON
hassl-3803	89	19	can	can	AUX
hassl-3803	89	20	explain	explain	VERB
hassl-3803	89	21	nearly	nearly	ADV
hassl-3803	89	22	half	half	NOUN
hassl-3803	89	23	of	of	ADP
hassl-3803	89	24	the	the	DET
hassl-3803	89	25	variance	variance	NOUN
hassl-3803	89	26	in	in	ADP
hassl-3803	89	27	intention	intention	NOUN
hassl-3803	89	28	and	and	CCONJ
hassl-3803	89	29	adherence	adherence	NOUN
hassl-3803	89	30	behavior	behavior	NOUN
hassl-3803	89	31	.	.	PUNCT
hassl-3803	90	1	according	accord	VERB
hassl-3803	90	2	to	to	ADP
hassl-3803	90	3	khrais	khrais	NOUN
hassl-3803	90	4	and	and	CCONJ
hassl-3803	90	5	alghamdi	alghamdi	NOUN
hassl-3803	90	6	(	(	PUNCT
hassl-3803	90	7	2021	2021	NUM
hassl-3803	90	8	)	)	PUNCT
hassl-3803	90	9	enabling	enable	VERB
hassl-3803	90	10	conditions	condition	NOUN
hassl-3803	90	11	have	have	VERB
hassl-3803	90	12	a	a	DET
hassl-3803	90	13	considerable	considerable	ADJ
hassl-3803	90	14	beneficial	beneficial	ADJ
hassl-3803	90	15	effect	effect	NOUN
hassl-3803	90	16	on	on	ADP
hassl-3803	90	17	perceived	perceive	VERB
hassl-3803	90	18	ease	ease	NOUN
hassl-3803	90	19	of	of	ADP
hassl-3803	90	20	use	use	NOUN
hassl-3803	90	21	,	,	PUNCT
hassl-3803	90	22	which	which	PRON
hassl-3803	90	23	leads	lead	VERB
hassl-3803	90	24	to	to	ADP
hassl-3803	90	25	increased	increase	VERB
hassl-3803	90	26	behavioral	behavioral	ADJ
hassl-3803	90	27	intention	intention	NOUN
hassl-3803	90	28	towards	towards	ADP
hassl-3803	90	29	digital	digital	ADJ
hassl-3803	90	30	learning	learning	NOUN
hassl-3803	90	31	platforms	platform	NOUN
hassl-3803	90	32	.	.	PUNCT
hassl-3803	91	1	an	an	DET
hassl-3803	91	2	external	external	ADJ
hassl-3803	91	3	control	control	NOUN
hassl-3803	91	4	factor	factor	NOUN
hassl-3803	91	5	pertinent	pertinent	NOUN
hassl-3803	91	6	to	to	ADP
hassl-3803	91	7	the	the	DET
hassl-3803	91	8	discussion	discussion	NOUN
hassl-3803	91	9	of	of	ADP
hassl-3803	91	10	facilitating	facilitate	VERB
hassl-3803	91	11	resources	resource	NOUN
hassl-3803	91	12	is	be	AUX
hassl-3803	91	13	known	know	VERB
hassl-3803	91	14	as	as	ADP
hassl-3803	91	15	an	an	DET
hassl-3803	91	16	enabling	enable	VERB
hassl-3803	91	17	condition	condition	NOUN
hassl-3803	91	18	(	(	PUNCT
hassl-3803	91	19	taylor	taylor	PROPN
hassl-3803	91	20	&	&	CCONJ
hassl-3803	91	21	todd	todd	PROPN
hassl-3803	91	22	,	,	PUNCT
hassl-3803	91	23	1995	1995	NUM
hassl-3803	91	24	)	)	PUNCT
hassl-3803	91	25	.	.	PUNCT
hassl-3803	92	1	thus	thus	ADV
hassl-3803	92	2	,	,	PUNCT
hassl-3803	92	3	we	we	PRON
hassl-3803	92	4	assume	assume	VERB
hassl-3803	92	5	that	that	SCONJ
hassl-3803	92	6	quality	quality	NOUN
hassl-3803	92	7	of	of	ADP
hassl-3803	92	8	internet	internet	NOUN
hassl-3803	92	9	access	access	NOUN
hassl-3803	92	10	is	be	AUX
hassl-3803	92	11	a	a	DET
hassl-3803	92	12	significant	significant	ADJ
hassl-3803	92	13	facilitating	facilitating	NOUN
hassl-3803	92	14	condition	condition	NOUN
hassl-3803	92	15	in	in	ADP
hassl-3803	92	16	the	the	DET
hassl-3803	92	17	adoption	adoption	NOUN
hassl-3803	92	18	of	of	ADP
hassl-3803	92	19	fintech	fintech	NOUN
hassl-3803	92	20	services	service	NOUN
hassl-3803	92	21	and	and	CCONJ
hassl-3803	92	22	hence	hence	ADV
hassl-3803	92	23	,	,	PUNCT
hassl-3803	92	24	we	we	PRON
hassl-3803	92	25	hypothesise	hypothesise	VERB
hassl-3803	92	26	that	that	SCONJ
hassl-3803	92	27	:	:	PUNCT
hassl-3803	92	28	h1	h1	NOUN
hassl-3803	92	29	:	:	PUNCT
hassl-3803	92	30	quality	quality	NOUN
hassl-3803	92	31	of	of	ADP
hassl-3803	92	32	internet	internet	NOUN
hassl-3803	92	33	access	access	NOUN
hassl-3803	92	34	moderates	moderate	VERB
hassl-3803	92	35	the	the	DET
hassl-3803	92	36	relation	relation	NOUN
hassl-3803	92	37	between	between	ADP
hassl-3803	92	38	attitude	attitude	NOUN
hassl-3803	92	39	and	and	CCONJ
hassl-3803	92	40	behavioral	behavioral	ADJ
hassl-3803	92	41	intention	intention	NOUN
hassl-3803	92	42	to	to	PART
hassl-3803	92	43	use	use	VERB
hassl-3803	92	44	fintech	fintech	NOUN
hassl-3803	92	45	services	service	NOUN
hassl-3803	92	46	h2	h2	NOUN
hassl-3803	92	47	:	:	PUNCT
hassl-3803	92	48	quality	quality	NOUN
hassl-3803	92	49	of	of	ADP
hassl-3803	92	50	internet	internet	NOUN
hassl-3803	92	51	access	access	NOUN
hassl-3803	92	52	moderates	moderate	VERB
hassl-3803	92	53	the	the	DET
hassl-3803	92	54	relation	relation	NOUN
hassl-3803	92	55	between	between	ADP
hassl-3803	92	56	subjective	subjective	ADJ
hassl-3803	92	57	norms	norm	NOUN
hassl-3803	92	58	and	and	CCONJ
hassl-3803	92	59	behavioral	behavioral	ADJ
hassl-3803	92	60	intention	intention	NOUN
hassl-3803	92	61	to	to	PART
hassl-3803	92	62	use	use	VERB
hassl-3803	92	63	fintech	fintech	NOUN
hassl-3803	92	64	services	service	NOUN
hassl-3803	92	65	h3	h3	NOUN
hassl-3803	92	66	:	:	PUNCT
hassl-3803	92	67	quality	quality	NOUN
hassl-3803	92	68	of	of	ADP
hassl-3803	92	69	internet	internet	NOUN
hassl-3803	92	70	access	access	NOUN
hassl-3803	92	71	moderates	moderate	VERB
hassl-3803	92	72	the	the	DET
hassl-3803	92	73	relation	relation	NOUN
hassl-3803	92	74	between	between	ADP
hassl-3803	92	75	behavioral	behavioral	ADJ
hassl-3803	92	76	control	control	NOUN
hassl-3803	92	77	and	and	CCONJ
hassl-3803	92	78	behavioral	behavioral	ADJ
hassl-3803	92	79	intention	intention	NOUN
hassl-3803	92	80	to	to	PART
hassl-3803	92	81	use	use	VERB
hassl-3803	92	82	fintech	fintech	NOUN
hassl-3803	92	83	services	service	NOUN
hassl-3803	92	84	yu	yu	PROPN
hassl-3803	92	85	,	,	PUNCT
hassl-3803	92	86	lin	lin	PROPN
hassl-3803	92	87	,	,	PUNCT
hassl-3803	92	88	and	and	CCONJ
hassl-3803	92	89	liao	liao	PROPN
hassl-3803	92	90	(	(	PUNCT
hassl-3803	92	91	2017	2017	NUM
hassl-3803	92	92	)	)	PUNCT
hassl-3803	92	93	argued	argue	VERB
hassl-3803	92	94	that	that	SCONJ
hassl-3803	92	95	digital	digital	ADJ
hassl-3803	92	96	personal	personal	ADJ
hassl-3803	92	97	skills	skill	NOUN
hassl-3803	92	98	have	have	VERB
hassl-3803	92	99	a	a	DET
hassl-3803	92	100	moderating	moderate	VERB
hassl-3803	92	101	effect	effect	NOUN
hassl-3803	92	102	on	on	ADP
hassl-3803	92	103	the	the	DET
hassl-3803	92	104	relationship	relationship	NOUN
hassl-3803	92	105	between	between	ADP
hassl-3803	92	106	behavioural	behavioural	ADJ
hassl-3803	92	107	intention	intention	NOUN
hassl-3803	92	108	and	and	CCONJ
hassl-3803	92	109	the	the	DET
hassl-3803	92	110	use	use	NOUN
hassl-3803	92	111	of	of	ADP
hassl-3803	92	112	information	information	NOUN
hassl-3803	92	113	and	and	CCONJ
hassl-3803	92	114	communication	communication	NOUN
hassl-3803	92	115	technology	technology	NOUN
hassl-3803	92	116	.	.	PUNCT
hassl-3803	93	1	researchers	researcher	NOUN
hassl-3803	93	2	have	have	AUX
hassl-3803	93	3	examined	examine	VERB
hassl-3803	93	4	the	the	DET
hassl-3803	93	5	significant	significant	ADJ
hassl-3803	93	6	correlation	correlation	NOUN
hassl-3803	93	7	between	between	ADP
hassl-3803	93	8	digital	digital	ADJ
hassl-3803	93	9	skills	skill	NOUN
hassl-3803	93	10	and	and	CCONJ
hassl-3803	93	11	technology	technology	NOUN
hassl-3803	93	12	adoption	adoption	NOUN
hassl-3803	93	13	(	(	PUNCT
hassl-3803	93	14	acemoglu	acemoglu	PROPN
hassl-3803	93	15	,	,	PUNCT
hassl-3803	93	16	hazell	hazell	PROPN
hassl-3803	93	17	,	,	PUNCT
hassl-3803	93	18	&	&	CCONJ
hassl-3803	93	19	restrepo	restrepo	PROPN
hassl-3803	93	20	,	,	PUNCT
hassl-3803	93	21	2020	2020	NUM
hassl-3803	93	22	;	;	PUNCT
hassl-3803	93	23	brynjolfsson	brynjolfsson	ADV
hassl-3803	93	24	,	,	PUNCT
hassl-3803	93	25	rock	rock	NOUN
hassl-3803	93	26	,	,	PUNCT
hassl-3803	93	27	&	&	CCONJ
hassl-3803	93	28	syverson	syverson	PROPN
hassl-3803	93	29	,	,	PUNCT
hassl-3803	93	30	2019	2019	NUM
hassl-3803	93	31	;	;	PUNCT
hassl-3803	93	32	felten	felten	PROPN
hassl-3803	93	33	,	,	PUNCT
hassl-3803	93	34	raj	raj	PROPN
hassl-3803	93	35	,	,	PUNCT
hassl-3803	93	36	&	&	CCONJ
hassl-3803	93	37	seamans	seaman	NOUN
hassl-3803	93	38	,	,	PUNCT
hassl-3803	93	39	2021	2021	NUM
hassl-3803	93	40	)	)	PUNCT
hassl-3803	93	41	.	.	PUNCT
hassl-3803	94	1	thus	thus	ADV
hassl-3803	94	2	,	,	PUNCT
hassl-3803	94	3	we	we	PRON
hassl-3803	94	4	are	be	AUX
hassl-3803	94	5	proposing	propose	VERB
hassl-3803	94	6	that	that	SCONJ
hassl-3803	94	7	:	:	PUNCT
hassl-3803	94	8	h4	h4	NOUN
hassl-3803	94	9	:	:	PUNCT
hassl-3803	94	10	digital	digital	ADJ
hassl-3803	94	11	skills	skill	NOUN
hassl-3803	94	12	moderate	moderate	VERB
hassl-3803	94	13	the	the	DET
hassl-3803	94	14	relationship	relationship	NOUN
hassl-3803	94	15	between	between	ADP
hassl-3803	94	16	attitude	attitude	NOUN
hassl-3803	94	17	and	and	CCONJ
hassl-3803	94	18	behavioral	behavioral	ADJ
hassl-3803	94	19	intention	intention	NOUN
hassl-3803	94	20	to	to	PART
hassl-3803	94	21	use	use	VERB
hassl-3803	94	22	fintech	fintech	NOUN
hassl-3803	94	23	services	service	NOUN
hassl-3803	94	24	.	.	PUNCT
hassl-3803	95	1	h5	h5	PROPN
hassl-3803	95	2	:	:	PUNCT
hassl-3803	95	3	digital	digital	ADJ
hassl-3803	95	4	skills	skill	NOUN
hassl-3803	95	5	moderate	moderate	VERB
hassl-3803	95	6	the	the	DET
hassl-3803	95	7	relation	relation	NOUN
hassl-3803	95	8	between	between	ADP
hassl-3803	95	9	subjective	subjective	ADJ
hassl-3803	95	10	norms	norm	NOUN
hassl-3803	95	11	and	and	CCONJ
hassl-3803	95	12	behavioral	behavioral	ADJ
hassl-3803	95	13	intention	intention	NOUN
hassl-3803	95	14	to	to	PART
hassl-3803	95	15	use	use	VERB
hassl-3803	95	16	fintech	fintech	NOUN
hassl-3803	95	17	services	service	NOUN
hassl-3803	95	18	.	.	PUNCT
hassl-3803	96	1	h6	h6	NOUN
hassl-3803	96	2	:	:	PUNCT
hassl-3803	96	3	digital	digital	ADJ
hassl-3803	96	4	skills	skill	NOUN
hassl-3803	96	5	moderate	moderate	VERB
hassl-3803	96	6	the	the	DET
hassl-3803	96	7	relation	relation	NOUN
hassl-3803	96	8	between	between	ADP
hassl-3803	96	9	behavioural	behavioural	ADJ
hassl-3803	96	10	control	control	NOUN
hassl-3803	96	11	and	and	CCONJ
hassl-3803	96	12	behavioral	behavioral	ADJ
hassl-3803	96	13	intention	intention	NOUN
hassl-3803	96	14	to	to	PART
hassl-3803	96	15	use	use	VERB
hassl-3803	96	16	fintech	fintech	NOUN
hassl-3803	96	17	services	service	NOUN
hassl-3803	96	18	.	.	PUNCT
hassl-3803	97	1	4	4	X
hassl-3803	97	2	.	.	X
hassl-3803	97	3	research	research	NOUN
hassl-3803	97	4	methodology	methodology	NOUN
hassl-3803	97	5	to	to	PART
hassl-3803	97	6	measure	measure	VERB
hassl-3803	97	7	the	the	DET
hassl-3803	97	8	variables	variable	NOUN
hassl-3803	97	9	included	include	VERB
hassl-3803	97	10	in	in	ADP
hassl-3803	97	11	our	our	PRON
hassl-3803	97	12	theoretical	theoretical	ADJ
hassl-3803	97	13	model	model	NOUN
hassl-3803	97	14	,	,	PUNCT
hassl-3803	97	15	we	we	PRON
hassl-3803	97	16	have	have	AUX
hassl-3803	97	17	used	use	VERB
hassl-3803	97	18	a	a	DET
hassl-3803	97	19	structured	structured	ADJ
hassl-3803	97	20	questionnaire	questionnaire	NOUN
hassl-3803	97	21	with	with	ADP
hassl-3803	97	22	constructs	construct	NOUN
hassl-3803	97	23	drawn	draw	VERB
hassl-3803	97	24	from	from	ADP
hassl-3803	97	25	the	the	DET
hassl-3803	97	26	theory	theory	NOUN
hassl-3803	97	27	of	of	ADP
hassl-3803	97	28	planned	plan	VERB
hassl-3803	97	29	behaviour	behaviour	NOUN
hassl-3803	97	30	.	.	PUNCT
hassl-3803	98	1	we	we	PRON
hassl-3803	98	2	measured	measure	VERB
hassl-3803	98	3	the	the	DET
hassl-3803	98	4	constructs	construct	NOUN
hassl-3803	98	5	under	under	ADP
hassl-3803	98	6	study	study	NOUN
hassl-3803	98	7	using	use	VERB
hassl-3803	98	8	a	a	DET
hassl-3803	98	9	multiple	multiple	ADJ
hassl-3803	98	10	-	-	PUNCT
hassl-3803	98	11	item	item	NOUN
hassl-3803	98	12	scale	scale	NOUN
hassl-3803	98	13	.	.	PUNCT
hassl-3803	99	1	we	we	PRON
hassl-3803	99	2	adapted	adapt	VERB
hassl-3803	99	3	the	the	DET
hassl-3803	99	4	constructs	construct	NOUN
hassl-3803	99	5	forming	form	VERB
hassl-3803	99	6	the	the	DET
hassl-3803	99	7	tpb	tpb	NOUN
hassl-3803	99	8	model	model	NOUN
hassl-3803	99	9	,	,	PUNCT
hassl-3803	99	10	behavioural	behavioural	ADJ
hassl-3803	99	11	intention	intention	NOUN
hassl-3803	99	12	,	,	PUNCT
hassl-3803	99	13	subjective	subjective	ADJ
hassl-3803	99	14	norms	norm	NOUN
hassl-3803	99	15	,	,	PUNCT
hassl-3803	99	16	perceived	perceive	VERB
hassl-3803	99	17	behaviour	behaviour	NOUN
hassl-3803	99	18	control	control	NOUN
hassl-3803	99	19	,	,	PUNCT
hassl-3803	99	20	and	and	CCONJ
hassl-3803	99	21	personal	personal	ADJ
hassl-3803	99	22	attitude	attitude	NOUN
hassl-3803	99	23	from	from	ADP
hassl-3803	99	24	ajzen	ajzen	PROPN
hassl-3803	99	25	(	(	PUNCT
hassl-3803	99	26	1991	1991	NUM
hassl-3803	99	27	)	)	PUNCT
hassl-3803	99	28	to	to	ADP
hassl-3803	99	29	the	the	DET
hassl-3803	99	30	study	study	NOUN
hassl-3803	99	31	's	's	PART
hassl-3803	99	32	context	context	NOUN
hassl-3803	99	33	,	,	PUNCT
hassl-3803	99	34	drawing	draw	VERB
hassl-3803	99	35	from	from	ADP
hassl-3803	99	36	mathieson	mathieson	PROPN
hassl-3803	99	37	(	(	PUNCT
hassl-3803	99	38	1991	1991	NUM
hassl-3803	99	39	)	)	PUNCT
hassl-3803	99	40	and	and	CCONJ
hassl-3803	99	41	baker	baker	PROPN
hassl-3803	99	42	,	,	PUNCT
hassl-3803	99	43	al‐gahtani	al‐gahtani	PROPN
hassl-3803	99	44	,	,	PUNCT
hassl-3803	99	45	and	and	CCONJ
hassl-3803	99	46	hubona	hubona	PROPN
hassl-3803	99	47	(	(	PUNCT
hassl-3803	99	48	2007	2007	NUM
hassl-3803	99	49	)	)	PUNCT
hassl-3803	99	50	.	.	PUNCT
hassl-3803	100	1	the	the	DET
hassl-3803	100	2	moderating	moderate	VERB
hassl-3803	100	3	variables	variable	NOUN
hassl-3803	100	4	were	be	AUX
hassl-3803	100	5	the	the	DET
hassl-3803	100	6	quality	quality	NOUN
hassl-3803	100	7	of	of	ADP
hassl-3803	100	8	internet	internet	NOUN
hassl-3803	100	9	access	access	NOUN
hassl-3803	100	10	and	and	CCONJ
hassl-3803	100	11	digital	digital	ADJ
hassl-3803	100	12	skills	skill	NOUN
hassl-3803	100	13	.	.	PUNCT
hassl-3803	101	1	we	we	PRON
hassl-3803	101	2	adapted	adapt	VERB
hassl-3803	101	3	a	a	DET
hassl-3803	101	4	three	three	NUM
hassl-3803	101	5	-	-	PUNCT
hassl-3803	101	6	item	item	NOUN
hassl-3803	101	7	scale	scale	NOUN
hassl-3803	101	8	from	from	ADP
hassl-3803	101	9	yoo	yoo	PROPN
hassl-3803	101	10	and	and	CCONJ
hassl-3803	101	11	donthu	donthu	PROPN
hassl-3803	101	12	(	(	PUNCT
hassl-3803	101	13	2001	2001	NUM
hassl-3803	101	14	)	)	PUNCT
hassl-3803	101	15	to	to	PART
hassl-3803	101	16	measure	measure	VERB
hassl-3803	101	17	the	the	DET
hassl-3803	101	18	quality	quality	NOUN
hassl-3803	101	19	of	of	ADP
hassl-3803	101	20	internet	internet	NOUN
hassl-3803	101	21	access	access	NOUN
hassl-3803	101	22	.	.	PUNCT
hassl-3803	102	1	digital	digital	ADJ
hassl-3803	102	2	skill	skill	NOUN
hassl-3803	102	3	was	be	AUX
hassl-3803	102	4	measured	measure	VERB
hassl-3803	102	5	using	use	VERB
hassl-3803	102	6	a	a	DET
hassl-3803	102	7	four	four	NUM
hassl-3803	102	8	-	-	PUNCT
hassl-3803	102	9	item	item	NOUN
hassl-3803	102	10	scale	scale	NOUN
hassl-3803	102	11	adapted	adapt	VERB
hassl-3803	102	12	from	from	ADP
hassl-3803	102	13	van	van	PROPN
hassl-3803	102	14	deursen	deursen	NOUN
hassl-3803	102	15	,	,	PUNCT
hassl-3803	102	16	helsper	helsper	NOUN
hassl-3803	102	17	,	,	PUNCT
hassl-3803	102	18	and	and	CCONJ
hassl-3803	102	19	eynon	eynon	NOUN
hassl-3803	102	20	(	(	PUNCT
hassl-3803	102	21	2014	2014	NUM
hassl-3803	102	22	)	)	PUNCT
hassl-3803	102	23	.	.	PUNCT
hassl-3803	103	1	we	we	PRON
hassl-3803	103	2	developed	develop	VERB
hassl-3803	103	3	all	all	DET
hassl-3803	103	4	the	the	DET
hassl-3803	103	5	survey	survey	NOUN
hassl-3803	103	6	questionnaire	questionnaire	NOUN
hassl-3803	103	7	items	item	NOUN
hassl-3803	103	8	in	in	ADP
hassl-3803	103	9	english	english	PROPN
hassl-3803	103	10	.	.	PUNCT
hassl-3803	104	1	we	we	PRON
hassl-3803	104	2	measured	measure	VERB
hassl-3803	104	3	all	all	DET
hassl-3803	104	4	the	the	DET
hassl-3803	104	5	items	item	NOUN
hassl-3803	104	6	on	on	ADP
hassl-3803	104	7	a	a	DET
hassl-3803	104	8	five	five	NUM
hassl-3803	104	9	-	-	PUNCT
hassl-3803	104	10	point	point	NOUN
hassl-3803	104	11	likert	likert	ADJ
hassl-3803	104	12	-	-	PUNCT
hassl-3803	104	13	type	type	NOUN
hassl-3803	104	14	scale	scale	NOUN
hassl-3803	104	15	,	,	PUNCT
hassl-3803	104	16	anchored	anchor	VERB
hassl-3803	104	17	from	from	ADP
hassl-3803	104	18	strongly	strongly	ADV
hassl-3803	104	19	disagree	disagree	VERB
hassl-3803	104	20	to	to	PART
hassl-3803	104	21	strongly	strongly	ADV
hassl-3803	104	22	agree	agree	VERB
hassl-3803	104	23	.	.	PUNCT
hassl-3803	105	1	population	population	NOUN
hassl-3803	105	2	:	:	PUNCT
hassl-3803	105	3	the	the	DET
hassl-3803	105	4	population	population	NOUN
hassl-3803	105	5	included	include	VERB
hassl-3803	105	6	the	the	DET
hassl-3803	105	7	young	young	ADJ
hassl-3803	105	8	working	work	VERB
hassl-3803	105	9	population	population	NOUN
hassl-3803	105	10	in	in	ADP
hassl-3803	105	11	india	india	PROPN
hassl-3803	105	12	,	,	PUNCT
hassl-3803	105	13	who	who	PRON
hassl-3803	105	14	were	be	AUX
hassl-3803	105	15	users	user	NOUN
hassl-3803	105	16	of	of	ADP
hassl-3803	105	17	fintech	fintech	NOUN
hassl-3803	105	18	services	service	NOUN
hassl-3803	105	19	.	.	PUNCT
hassl-3803	106	1	this	this	DET
hassl-3803	106	2	study	study	NOUN
hassl-3803	106	3	defines	define	VERB
hassl-3803	106	4	a	a	DET
hassl-3803	106	5	young	young	ADJ
hassl-3803	106	6	working	work	VERB
hassl-3803	106	7	professional	professional	NOUN
hassl-3803	106	8	as	as	ADP
hassl-3803	106	9	someone	someone	PRON
hassl-3803	106	10	who	who	PRON
hassl-3803	106	11	works	work	VERB
hassl-3803	106	12	full	full	ADJ
hassl-3803	106	13	-	-	PUNCT
hassl-3803	106	14	time	time	NOUN
hassl-3803	106	15	in	in	ADP
hassl-3803	106	16	organizations	organization	NOUN
hassl-3803	106	17	and	and	CCONJ
hassl-3803	106	18	is	be	AUX
hassl-3803	106	19	under	under	ADP
hassl-3803	106	20	the	the	DET
hassl-3803	106	21	age	age	NOUN
hassl-3803	106	22	of	of	ADP
hassl-3803	106	23	35	35	NUM
hassl-3803	106	24	.	.	PUNCT
hassl-3803	106	25	sampling	sampling	NOUN
hassl-3803	106	26	and	and	CCONJ
hassl-3803	106	27	sample	sample	NOUN
hassl-3803	106	28	size	size	NOUN
hassl-3803	106	29	:	:	PUNCT
hassl-3803	106	30	the	the	DET
hassl-3803	106	31	survey	survey	NOUN
hassl-3803	106	32	method	method	NOUN
hassl-3803	106	33	was	be	AUX
hassl-3803	106	34	used	use	VERB
hassl-3803	106	35	for	for	ADP
hassl-3803	106	36	data	data	NOUN
hassl-3803	106	37	collection	collection	NOUN
hassl-3803	106	38	.	.	PUNCT
hassl-3803	107	1	a	a	DET
hassl-3803	107	2	total	total	NOUN
hassl-3803	107	3	of	of	ADP
hassl-3803	107	4	400	400	NUM
hassl-3803	107	5	questionnaires	questionnaire	NOUN
hassl-3803	107	6	were	be	AUX
hassl-3803	107	7	distributed	distribute	VERB
hassl-3803	107	8	among	among	ADP
hassl-3803	107	9	young	young	ADJ
hassl-3803	107	10	workers	worker	NOUN
hassl-3803	107	11	of	of	ADP
hassl-3803	107	12	various	various	ADJ
hassl-3803	107	13	organisations	organisation	NOUN
hassl-3803	107	14	in	in	ADP
hassl-3803	107	15	india	india	PROPN
hassl-3803	107	16	.	.	PUNCT
hassl-3803	108	1	the	the	DET
hassl-3803	108	2	workers	worker	NOUN
hassl-3803	108	3	belonged	belong	VERB
hassl-3803	108	4	to	to	ADP
hassl-3803	108	5	public	public	ADJ
hassl-3803	108	6	and	and	CCONJ
hassl-3803	108	7	private	private	ADJ
hassl-3803	108	8	sector	sector	NOUN
hassl-3803	108	9	enterprises	enterprise	NOUN
hassl-3803	108	10	involved	involve	VERB
hassl-3803	108	11	in	in	ADP
hassl-3803	108	12	education	education	NOUN
hassl-3803	108	13	,	,	PUNCT
hassl-3803	108	14	banking	banking	NOUN
hassl-3803	108	15	,	,	PUNCT
hassl-3803	108	16	merchandising	merchandising	NOUN
hassl-3803	108	17	,	,	PUNCT
hassl-3803	108	18	and	and	CCONJ
hassl-3803	108	19	it	it	PRON
hassl-3803	108	20	industries	industry	NOUN
hassl-3803	108	21	.	.	PUNCT
hassl-3803	109	1	we	we	PRON
hassl-3803	109	2	distributed	distribute	VERB
hassl-3803	109	3	the	the	DET
hassl-3803	109	4	sample	sample	NOUN
hassl-3803	109	5	across	across	ADP
hassl-3803	109	6	fifteen	fifteen	NUM
hassl-3803	109	7	different	different	ADJ
hassl-3803	109	8	locations	location	NOUN
hassl-3803	109	9	across	across	ADP
hassl-3803	109	10	india	india	PROPN
hassl-3803	109	11	,	,	PUNCT
hassl-3803	109	12	specifically	specifically	ADV
hassl-3803	109	13	in	in	ADP
hassl-3803	109	14	the	the	DET
hassl-3803	109	15	four	four	NUM
hassl-3803	109	16	states	state	NOUN
hassl-3803	109	17	of	of	ADP
hassl-3803	109	18	kerala	kerala	PROPN
hassl-3803	109	19	,	,	PUNCT
hassl-3803	109	20	karnataka	karnataka	PROPN
hassl-3803	109	21	,	,	PUNCT
hassl-3803	109	22	maharashtra	maharashtra	PROPN
hassl-3803	109	23	,	,	PUNCT
hassl-3803	109	24	uttar	uttar	PROPN
hassl-3803	109	25	pradesh	pradesh	PROPN
hassl-3803	109	26	,	,	PUNCT
hassl-3803	109	27	and	and	CCONJ
hassl-3803	109	28	the	the	DET
hassl-3803	109	29	union	union	NOUN
hassl-3803	109	30	territory	territory	NOUN
hassl-3803	109	31	of	of	ADP
hassl-3803	109	32	delhi	delhi	PROPN
hassl-3803	109	33	.	.	PUNCT
hassl-3803	110	1	we	we	PRON
hassl-3803	110	2	approached	approach	VERB
hassl-3803	110	3	the	the	DET
hassl-3803	110	4	offices	office	NOUN
hassl-3803	110	5	of	of	ADP
hassl-3803	110	6	various	various	ADJ
hassl-3803	110	7	institutions	institution	NOUN
hassl-3803	110	8	and	and	CCONJ
hassl-3803	110	9	requested	request	VERB
hassl-3803	110	10	them	they	PRON
hassl-3803	110	11	to	to	PART
hassl-3803	110	12	administer	administer	VERB
hassl-3803	110	13	the	the	DET
hassl-3803	110	14	survey	survey	NOUN
hassl-3803	110	15	instrument	instrument	NOUN
hassl-3803	110	16	.	.	PUNCT
hassl-3803	111	1	the	the	DET
hassl-3803	111	2	employees	employee	NOUN
hassl-3803	111	3	were	be	AUX
hassl-3803	111	4	approached	approach	VERB
hassl-3803	111	5	during	during	ADP
hassl-3803	111	6	their	their	PRON
hassl-3803	111	7	leisure	leisure	NOUN
hassl-3803	111	8	times	time	NOUN
hassl-3803	111	9	,	,	PUNCT
hassl-3803	111	10	without	without	ADP
hassl-3803	111	11	disturbing	disturb	VERB
hassl-3803	111	12	their	their	PRON
hassl-3803	111	13	work	work	NOUN
hassl-3803	111	14	environment	environment	NOUN
hassl-3803	111	15	.	.	PUNCT
hassl-3803	112	1	we	we	PRON
hassl-3803	112	2	excluded	exclude	VERB
hassl-3803	112	3	foreign	foreign	ADJ
hassl-3803	112	4	employees	employee	NOUN
hassl-3803	112	5	from	from	ADP
hassl-3803	112	6	the	the	DET
hassl-3803	112	7	sample	sample	NOUN
hassl-3803	112	8	.	.	PUNCT
hassl-3803	113	1	376	376	NUM
hassl-3803	113	2	questionnaires	questionnaire	NOUN
hassl-3803	113	3	,	,	PUNCT
hassl-3803	113	4	out	out	ADP
hassl-3803	113	5	of	of	ADP
hassl-3803	113	6	the	the	DET
hassl-3803	113	7	total	total	NOUN
hassl-3803	113	8	,	,	PUNCT
hassl-3803	113	9	humanities	humanity	NOUN
hassl-3803	113	10	and	and	CCONJ
hassl-3803	113	11	social	social	ADJ
hassl-3803	113	12	sciences	science	NOUN
hassl-3803	113	13	letters	letter	NOUN
hassl-3803	113	14	,	,	PUNCT
hassl-3803	113	15	2024	2024	NUM
hassl-3803	113	16	,	,	PUNCT
hassl-3803	113	17	12(3	12(3	NUM
hassl-3803	113	18	):	):	PUNCT
hassl-3803	113	19	543	543	NUM
hassl-3803	113	20	-	-	SYM
hassl-3803	113	21	555	555	NUM
hassl-3803	113	22	547	547	NUM
hassl-3803	113	23	©	©	ADP
hassl-3803	113	24	2024	2024	NUM
hassl-3803	113	25	conscientia	conscientia	PROPN
hassl-3803	113	26	beam	beam	PROPN
hassl-3803	113	27	.	.	PUNCT
hassl-3803	114	1	all	all	DET
hassl-3803	114	2	rights	right	NOUN
hassl-3803	114	3	reserved	reserve	VERB
hassl-3803	114	4	.	.	PUNCT
hassl-3803	114	5	returned	return	VERB
hassl-3803	114	6	as	as	ADP
hassl-3803	114	7	responses	response	NOUN
hassl-3803	114	8	.	.	PUNCT
hassl-3803	115	1	after	after	ADP
hassl-3803	115	2	a	a	DET
hassl-3803	115	3	careful	careful	ADJ
hassl-3803	115	4	screening	screening	NOUN
hassl-3803	115	5	of	of	ADP
hassl-3803	115	6	the	the	DET
hassl-3803	115	7	filled	fill	VERB
hassl-3803	115	8	questionnaires	questionnaire	NOUN
hassl-3803	115	9	,	,	PUNCT
hassl-3803	115	10	we	we	PRON
hassl-3803	115	11	eliminated	eliminate	VERB
hassl-3803	115	12	52	52	NUM
hassl-3803	115	13	since	since	SCONJ
hassl-3803	115	14	they	they	PRON
hassl-3803	115	15	contained	contain	VERB
hassl-3803	115	16	inconsistent	inconsistent	ADJ
hassl-3803	115	17	and	and	CCONJ
hassl-3803	115	18	missing	miss	VERB
hassl-3803	115	19	data	datum	NOUN
hassl-3803	115	20	.	.	PUNCT
hassl-3803	116	1	thus	thus	ADV
hassl-3803	116	2	,	,	PUNCT
hassl-3803	116	3	the	the	DET
hassl-3803	116	4	final	final	ADJ
hassl-3803	116	5	sample	sample	NOUN
hassl-3803	116	6	size	size	NOUN
hassl-3803	116	7	of	of	ADP
hassl-3803	116	8	this	this	DET
hassl-3803	116	9	study	study	NOUN
hassl-3803	116	10	consists	consist	VERB
hassl-3803	116	11	of	of	ADP
hassl-3803	116	12	324	324	NUM
hassl-3803	116	13	young	young	ADJ
hassl-3803	116	14	working	work	VERB
hassl-3803	116	15	professionals	professional	NOUN
hassl-3803	116	16	.	.	PUNCT
hassl-3803	117	1	tools	tool	NOUN
hassl-3803	117	2	used	use	VERB
hassl-3803	117	3	:	:	PUNCT
hassl-3803	117	4	the	the	DET
hassl-3803	117	5	collected	collect	VERB
hassl-3803	117	6	data	datum	NOUN
hassl-3803	117	7	was	be	AUX
hassl-3803	117	8	examined	examine	VERB
hassl-3803	117	9	for	for	ADP
hassl-3803	117	10	its	its	PRON
hassl-3803	117	11	descriptive	descriptive	ADJ
hassl-3803	117	12	statistics	statistic	NOUN
hassl-3803	117	13	,	,	PUNCT
hassl-3803	117	14	including	include	VERB
hassl-3803	117	15	mean	mean	ADJ
hassl-3803	117	16	,	,	PUNCT
hassl-3803	117	17	standard	standard	ADJ
hassl-3803	117	18	deviation	deviation	NOUN
hassl-3803	117	19	,	,	PUNCT
hassl-3803	117	20	skewness	skewness	NOUN
hassl-3803	117	21	,	,	PUNCT
hassl-3803	117	22	and	and	CCONJ
hassl-3803	117	23	kurtosis	kurtosis	NOUN
hassl-3803	117	24	.	.	PUNCT
hassl-3803	118	1	the	the	DET
hassl-3803	118	2	reliability	reliability	NOUN
hassl-3803	118	3	of	of	ADP
hassl-3803	118	4	the	the	DET
hassl-3803	118	5	data	datum	NOUN
hassl-3803	118	6	was	be	AUX
hassl-3803	118	7	examined	examine	VERB
hassl-3803	118	8	using	use	VERB
hassl-3803	118	9	cronbach	cronbach	NOUN
hassl-3803	118	10	’s	’s	PART
hassl-3803	118	11	alpha	alpha	NOUN
hassl-3803	118	12	and	and	CCONJ
hassl-3803	118	13	composite	composite	ADJ
hassl-3803	118	14	reliability	reliability	NOUN
hassl-3803	118	15	scores	score	NOUN
hassl-3803	118	16	.	.	PUNCT
hassl-3803	119	1	convergent	convergent	ADJ
hassl-3803	119	2	validity	validity	NOUN
hassl-3803	119	3	was	be	AUX
hassl-3803	119	4	examined	examine	VERB
hassl-3803	119	5	using	use	VERB
hassl-3803	119	6	average	average	ADJ
hassl-3803	119	7	variance	variance	NOUN
hassl-3803	119	8	explained	explain	VERB
hassl-3803	119	9	and	and	CCONJ
hassl-3803	119	10	item	item	NOUN
hassl-3803	119	11	loadings	loading	NOUN
hassl-3803	119	12	.	.	PUNCT
hassl-3803	120	1	discriminant	discriminant	ADJ
hassl-3803	120	2	validity	validity	NOUN
hassl-3803	120	3	was	be	AUX
hassl-3803	120	4	examined	examine	VERB
hassl-3803	120	5	using	use	VERB
hassl-3803	120	6	cross	cross	NOUN
hassl-3803	120	7	-	-	NOUN
hassl-3803	120	8	loadings	loading	NOUN
hassl-3803	120	9	and	and	CCONJ
hassl-3803	120	10	the	the	DET
hassl-3803	120	11	htmt	htmt	PROPN
hassl-3803	120	12	ratio	ratio	NOUN
hassl-3803	120	13	.	.	PUNCT
hassl-3803	121	1	to	to	PART
hassl-3803	121	2	test	test	VERB
hassl-3803	121	3	the	the	DET
hassl-3803	121	4	theoretical	theoretical	ADJ
hassl-3803	121	5	model	model	NOUN
hassl-3803	121	6	and	and	CCONJ
hassl-3803	121	7	the	the	DET
hassl-3803	121	8	related	relate	VERB
hassl-3803	121	9	hypotheses	hypothesis	NOUN
hassl-3803	121	10	,	,	PUNCT
hassl-3803	121	11	the	the	DET
hassl-3803	121	12	study	study	NOUN
hassl-3803	121	13	adopted	adopt	VERB
hassl-3803	121	14	partial	partial	ADJ
hassl-3803	121	15	least	least	ADV
hassl-3803	121	16	square	square	ADJ
hassl-3803	121	17	(	(	PUNCT
hassl-3803	121	18	pls	pls	INTJ
hassl-3803	121	19	)	)	PUNCT
hassl-3803	121	20	based	base	VERB
hassl-3803	121	21	structural	structural	ADJ
hassl-3803	121	22	equation	equation	NOUN
hassl-3803	121	23	modelling	modelling	NOUN
hassl-3803	121	24	(	(	PUNCT
hassl-3803	121	25	sem	sem	NOUN
hassl-3803	121	26	)	)	PUNCT
hassl-3803	121	27	using	use	VERB
hassl-3803	121	28	the	the	DET
hassl-3803	121	29	smartpls	smartpls	NOUN
hassl-3803	121	30	software	software	NOUN
hassl-3803	121	31	.	.	PUNCT
hassl-3803	122	1	to	to	PART
hassl-3803	122	2	explore	explore	VERB
hassl-3803	122	3	the	the	DET
hassl-3803	122	4	behavioural	behavioural	ADJ
hassl-3803	122	5	intention	intention	NOUN
hassl-3803	122	6	of	of	ADP
hassl-3803	122	7	young	young	ADJ
hassl-3803	122	8	workers	worker	NOUN
hassl-3803	122	9	to	to	PART
hassl-3803	122	10	adopt	adopt	VERB
hassl-3803	122	11	fintech	fintech	NOUN
hassl-3803	122	12	services	service	NOUN
hassl-3803	122	13	,	,	PUNCT
hassl-3803	122	14	we	we	PRON
hassl-3803	122	15	have	have	AUX
hassl-3803	122	16	done	do	VERB
hassl-3803	122	17	a	a	DET
hassl-3803	122	18	path	path	NOUN
hassl-3803	122	19	analysis	analysis	NOUN
hassl-3803	122	20	among	among	ADP
hassl-3803	122	21	the	the	DET
hassl-3803	122	22	variables	variable	NOUN
hassl-3803	122	23	.	.	PUNCT
hassl-3803	123	1	we	we	PRON
hassl-3803	123	2	have	have	AUX
hassl-3803	123	3	estimated	estimate	VERB
hassl-3803	123	4	the	the	DET
hassl-3803	123	5	hypothesized	hypothesized	ADJ
hassl-3803	123	6	paths	path	NOUN
hassl-3803	123	7	between	between	ADP
hassl-3803	123	8	exogenous	exogenous	ADJ
hassl-3803	123	9	and	and	CCONJ
hassl-3803	123	10	endogenous	endogenous	ADJ
hassl-3803	123	11	variables	variable	NOUN
hassl-3803	123	12	through	through	ADP
hassl-3803	123	13	the	the	DET
hassl-3803	123	14	lens	lens	NOUN
hassl-3803	123	15	of	of	ADP
hassl-3803	123	16	the	the	DET
hassl-3803	123	17	theory	theory	NOUN
hassl-3803	123	18	of	of	ADP
hassl-3803	123	19	planned	plan	VERB
hassl-3803	123	20	behaviour	behaviour	NOUN
hassl-3803	123	21	.	.	PUNCT
hassl-3803	124	1	the	the	DET
hassl-3803	124	2	final	final	ADJ
hassl-3803	124	3	respondents	respondent	NOUN
hassl-3803	124	4	comprised	comprise	VERB
hassl-3803	124	5	of	of	ADP
hassl-3803	124	6	198	198	NUM
hassl-3803	124	7	(	(	PUNCT
hassl-3803	124	8	61	61	NUM
hassl-3803	124	9	percent	percent	NOUN
hassl-3803	124	10	)	)	PUNCT
hassl-3803	124	11	employees	employee	NOUN
hassl-3803	124	12	in	in	ADP
hassl-3803	124	13	the	the	DET
hassl-3803	124	14	private	private	ADJ
hassl-3803	124	15	sector	sector	NOUN
hassl-3803	124	16	and	and	CCONJ
hassl-3803	124	17	126	126	NUM
hassl-3803	124	18	(	(	PUNCT
hassl-3803	124	19	39	39	NUM
hassl-3803	124	20	percent	percent	NOUN
hassl-3803	124	21	)	)	PUNCT
hassl-3803	124	22	employees	employee	NOUN
hassl-3803	124	23	in	in	ADP
hassl-3803	124	24	the	the	DET
hassl-3803	124	25	public	public	ADJ
hassl-3803	124	26	sector	sector	NOUN
hassl-3803	124	27	.	.	PUNCT
hassl-3803	125	1	overall	overall	ADV
hassl-3803	125	2	,	,	PUNCT
hassl-3803	125	3	55.9	55.9	NUM
hassl-3803	125	4	percent	percent	NOUN
hassl-3803	125	5	or	or	CCONJ
hassl-3803	125	6	respondents	respondent	NOUN
hassl-3803	125	7	were	be	AUX
hassl-3803	125	8	women	woman	NOUN
hassl-3803	125	9	,	,	PUNCT
hassl-3803	125	10	and	and	CCONJ
hassl-3803	125	11	44.1	44.1	NUM
hassl-3803	125	12	percent	percent	NOUN
hassl-3803	125	13	were	be	AUX
hassl-3803	125	14	men	man	NOUN
hassl-3803	125	15	.	.	PUNCT
hassl-3803	126	1	table	table	NOUN
hassl-3803	126	2	1	1	NUM
hassl-3803	126	3	table	table	NOUN
hassl-3803	126	4	1	1	NUM
hassl-3803	126	5	provides	provide	VERB
hassl-3803	126	6	the	the	DET
hassl-3803	126	7	descriptive	descriptive	ADJ
hassl-3803	126	8	statistics	statistic	NOUN
hassl-3803	126	9	of	of	ADP
hassl-3803	126	10	the	the	DET
hassl-3803	126	11	scales	scale	NOUN
hassl-3803	126	12	.	.	PUNCT
hassl-3803	127	1	table	table	NOUN
hassl-3803	127	2	1	1	NUM
hassl-3803	127	3	.	.	PUNCT
hassl-3803	127	4	descriptive	descriptive	ADJ
hassl-3803	127	5	statistics	statistic	NOUN
hassl-3803	127	6	.	.	PUNCT
hassl-3803	128	1	constructs	construct	NOUN
hassl-3803	128	2	mean	mean	VERB
hassl-3803	128	3	sd	sd	ADP
hassl-3803	128	4	skewness	skewness	NOUN
hassl-3803	128	5	kurtosis	kurtosis	VERB
hassl-3803	128	6	attitude	attitude	NOUN
hassl-3803	128	7	4.033	4.033	NUM
hassl-3803	128	8	0.705	0.705	NUM
hassl-3803	128	9	-0.475	-0.475	NOUN
hassl-3803	128	10	0.145	0.145	NUM
hassl-3803	128	11	subjective	subjective	ADJ
hassl-3803	128	12	norms	norm	VERB
hassl-3803	128	13	3.478	3.478	NUM
hassl-3803	128	14	0.661	0.661	NUM
hassl-3803	128	15	0.512	0.512	NUM
hassl-3803	128	16	0.276	0.276	NUM
hassl-3803	128	17	perceived	perceive	VERB
hassl-3803	128	18	behavioral	behavioral	ADJ
hassl-3803	128	19	control	control	NOUN
hassl-3803	128	20	3.667	3.667	NUM
hassl-3803	128	21	0.820	0.820	NUM
hassl-3803	128	22	-0.423	-0.423	ADJ
hassl-3803	128	23	-0.458	-0.458	NOUN
hassl-3803	128	24	behavioral	behavioral	ADJ
hassl-3803	128	25	intention	intention	NOUN
hassl-3803	128	26	4.110	4.110	NUM
hassl-3803	128	27	0.852	0.852	NUM
hassl-3803	128	28	0.512	0.512	NUM
hassl-3803	128	29	0.404	0.404	NUM
hassl-3803	128	30	quality	quality	NOUN
hassl-3803	128	31	of	of	ADP
hassl-3803	128	32	access	access	NOUN
hassl-3803	128	33	to	to	ADP
hassl-3803	128	34	internet	internet	NOUN
hassl-3803	128	35	3.559	3.559	NUM
hassl-3803	128	36	0.471	0.471	NUM
hassl-3803	128	37	0.712	0.712	NUM
hassl-3803	128	38	0.622	0.622	NUM
hassl-3803	128	39	digital	digital	ADJ
hassl-3803	128	40	skills	skill	NOUN
hassl-3803	128	41	3.770	3.770	NUM
hassl-3803	128	42	0.527	0.527	NUM
hassl-3803	128	43	0.668	0.668	NUM
hassl-3803	128	44	-0.365	-0.365	PUNCT
hassl-3803	128	45	5	5	NUM
hassl-3803	128	46	.	.	X
hassl-3803	128	47	data	datum	NOUN
hassl-3803	128	48	analysis	analysis	NOUN
hassl-3803	128	49	and	and	CCONJ
hassl-3803	128	50	results	result	VERB
hassl-3803	128	51	the	the	DET
hassl-3803	128	52	research	research	NOUN
hassl-3803	128	53	model	model	NOUN
hassl-3803	128	54	specified	specify	VERB
hassl-3803	128	55	in	in	ADP
hassl-3803	128	56	figure	figure	NOUN
hassl-3803	128	57	1	1	NUM
hassl-3803	128	58	was	be	AUX
hassl-3803	128	59	analysed	analyse	VERB
hassl-3803	128	60	using	use	VERB
hassl-3803	128	61	smartpls	smartpls	PROPN
hassl-3803	128	62	version	version	NOUN
hassl-3803	128	63	4	4	NUM
hassl-3803	128	64	,	,	PUNCT
hassl-3803	128	65	which	which	PRON
hassl-3803	128	66	is	be	AUX
hassl-3803	128	67	a	a	DET
hassl-3803	128	68	structural	structural	ADJ
hassl-3803	128	69	equation	equation	NOUN
hassl-3803	128	70	modelling	modelling	NOUN
hassl-3803	128	71	(	(	PUNCT
hassl-3803	128	72	sem	sem	NOUN
hassl-3803	128	73	)	)	PUNCT
hassl-3803	128	74	tool	tool	NOUN
hassl-3803	128	75	based	base	VERB
hassl-3803	128	76	on	on	ADP
hassl-3803	128	77	partial	partial	ADJ
hassl-3803	128	78	least	least	ADJ
hassl-3803	128	79	squares	square	NOUN
hassl-3803	128	80	(	(	PUNCT
hassl-3803	128	81	pls	pls	INTJ
hassl-3803	128	82	)	)	PUNCT
hassl-3803	128	83	.	.	PUNCT
hassl-3803	129	1	the	the	DET
hassl-3803	129	2	psychometric	psychometric	ADJ
hassl-3803	129	3	properties	property	NOUN
hassl-3803	129	4	of	of	ADP
hassl-3803	129	5	the	the	DET
hassl-3803	129	6	measurement	measurement	NOUN
hassl-3803	129	7	model	model	NOUN
hassl-3803	129	8	and	and	CCONJ
hassl-3803	129	9	the	the	DET
hassl-3803	129	10	parameters	parameter	NOUN
hassl-3803	129	11	of	of	ADP
hassl-3803	129	12	the	the	DET
hassl-3803	129	13	structural	structural	ADJ
hassl-3803	129	14	model	model	NOUN
hassl-3803	129	15	(	(	PUNCT
hassl-3803	129	16	paths	path	NOUN
hassl-3803	129	17	between	between	ADP
hassl-3803	129	18	variables	variable	NOUN
hassl-3803	129	19	in	in	ADP
hassl-3803	129	20	the	the	DET
hassl-3803	129	21	model	model	NOUN
hassl-3803	129	22	and	and	CCONJ
hassl-3803	129	23	their	their	PRON
hassl-3803	129	24	significance	significance	NOUN
hassl-3803	129	25	)	)	PUNCT
hassl-3803	129	26	are	be	AUX
hassl-3803	129	27	evaluated	evaluate	VERB
hassl-3803	129	28	in	in	ADP
hassl-3803	129	29	the	the	DET
hassl-3803	129	30	analysis	analysis	NOUN
hassl-3803	129	31	.	.	PUNCT
hassl-3803	130	1	table	table	NOUN
hassl-3803	130	2	2	2	NUM
hassl-3803	130	3	presents	present	VERB
hassl-3803	130	4	the	the	DET
hassl-3803	130	5	reliability	reliability	NOUN
hassl-3803	130	6	results	result	NOUN
hassl-3803	130	7	from	from	ADP
hassl-3803	130	8	the	the	DET
hassl-3803	130	9	evaluation	evaluation	NOUN
hassl-3803	130	10	of	of	ADP
hassl-3803	130	11	the	the	DET
hassl-3803	130	12	measurement	measurement	NOUN
hassl-3803	130	13	model	model	NOUN
hassl-3803	130	14	.	.	PUNCT
hassl-3803	131	1	the	the	DET
hassl-3803	131	2	study	study	NOUN
hassl-3803	131	3	's	's	PART
hassl-3803	131	4	variables	variable	NOUN
hassl-3803	131	5	have	have	AUX
hassl-3803	131	6	cronbach	cronbach	VERB
hassl-3803	131	7	's	's	PART
hassl-3803	131	8	alpha	alpha	ADJ
hassl-3803	131	9	values	value	NOUN
hassl-3803	131	10	of	of	ADP
hassl-3803	131	11	0.874	0.874	NUM
hassl-3803	131	12	for	for	ADP
hassl-3803	131	13	attitude	attitude	NOUN
hassl-3803	131	14	,	,	PUNCT
hassl-3803	131	15	0.796	0.796	NUM
hassl-3803	131	16	for	for	ADP
hassl-3803	131	17	subjective	subjective	ADJ
hassl-3803	131	18	norms	norm	NOUN
hassl-3803	131	19	,	,	PUNCT
hassl-3803	131	20	0.851	0.851	NUM
hassl-3803	131	21	for	for	ADP
hassl-3803	131	22	perceived	perceive	VERB
hassl-3803	131	23	behavior	behavior	NOUN
hassl-3803	131	24	control	control	NOUN
hassl-3803	131	25	,	,	PUNCT
hassl-3803	131	26	0.826	0.826	NUM
hassl-3803	131	27	for	for	ADP
hassl-3803	131	28	behavioural	behavioural	ADJ
hassl-3803	131	29	intention	intention	NOUN
hassl-3803	131	30	,	,	PUNCT
hassl-3803	131	31	0.845	0.845	NUM
hassl-3803	131	32	for	for	ADP
hassl-3803	131	33	quality	quality	NOUN
hassl-3803	131	34	of	of	ADP
hassl-3803	131	35	access	access	NOUN
hassl-3803	131	36	,	,	PUNCT
hassl-3803	131	37	and	and	CCONJ
hassl-3803	131	38	0.823	0.823	NUM
hassl-3803	131	39	for	for	ADP
hassl-3803	131	40	digital	digital	ADJ
hassl-3803	131	41	skills	skill	NOUN
hassl-3803	131	42	.	.	PUNCT
hassl-3803	132	1	the	the	DET
hassl-3803	132	2	cronbach	cronbach	NOUN
hassl-3803	132	3	’s	’s	PART
hassl-3803	132	4	alpha	alpha	NOUN
hassl-3803	132	5	values	value	NOUN
hassl-3803	132	6	are	be	AUX
hassl-3803	132	7	above	above	ADP
hassl-3803	132	8	the	the	DET
hassl-3803	132	9	minimum	minimum	ADJ
hassl-3803	132	10	level	level	NOUN
hassl-3803	132	11	of	of	ADP
hassl-3803	132	12	0.70	0.70	NUM
hassl-3803	132	13	suggested	suggest	VERB
hassl-3803	132	14	by	by	ADP
hassl-3803	132	15	nunnally	nunnally	PROPN
hassl-3803	132	16	and	and	CCONJ
hassl-3803	132	17	bernstein	bernstein	PROPN
hassl-3803	132	18	(	(	PUNCT
hassl-3803	132	19	1978	1978	NUM
hassl-3803	132	20	)	)	PUNCT
hassl-3803	132	21	.	.	PUNCT
hassl-3803	133	1	the	the	DET
hassl-3803	133	2	composite	composite	ADJ
hassl-3803	133	3	reliability	reliability	NOUN
hassl-3803	133	4	values	value	NOUN
hassl-3803	133	5	are	be	AUX
hassl-3803	133	6	0.877	0.877	NUM
hassl-3803	133	7	(	(	PUNCT
hassl-3803	133	8	attitude	attitude	NOUN
hassl-3803	133	9	)	)	PUNCT
hassl-3803	133	10	,	,	PUNCT
hassl-3803	133	11	0.865	0.865	NUM
hassl-3803	133	12	(	(	PUNCT
hassl-3803	133	13	subjective	subjective	ADJ
hassl-3803	133	14	norms	norm	NOUN
hassl-3803	133	15	)	)	PUNCT
hassl-3803	133	16	,	,	PUNCT
hassl-3803	133	17	0.889	0.889	NUM
hassl-3803	133	18	(	(	PUNCT
hassl-3803	133	19	perceived	perceive	VERB
hassl-3803	133	20	behaviour	behaviour	NOUN
hassl-3803	133	21	control	control	NOUN
hassl-3803	133	22	)	)	PUNCT
hassl-3803	133	23	,	,	PUNCT
hassl-3803	133	24	0.847	0.847	NUM
hassl-3803	133	25	(	(	PUNCT
hassl-3803	133	26	behavioural	behavioural	ADJ
hassl-3803	133	27	intention	intention	NOUN
hassl-3803	133	28	)	)	PUNCT
hassl-3803	133	29	,	,	PUNCT
hassl-3803	133	30	0.862	0.862	NUM
hassl-3803	133	31	(	(	PUNCT
hassl-3803	133	32	quality	quality	NOUN
hassl-3803	133	33	of	of	ADP
hassl-3803	133	34	access	access	NOUN
hassl-3803	133	35	)	)	PUNCT
hassl-3803	133	36	,	,	PUNCT
hassl-3803	133	37	and	and	CCONJ
hassl-3803	133	38	0.879	0.879	NUM
hassl-3803	133	39	(	(	PUNCT
hassl-3803	133	40	digital	digital	ADJ
hassl-3803	133	41	skills	skill	NOUN
hassl-3803	133	42	)	)	PUNCT
hassl-3803	133	43	,	,	PUNCT
hassl-3803	133	44	which	which	PRON
hassl-3803	133	45	are	be	AUX
hassl-3803	133	46	above	above	ADP
hassl-3803	133	47	the	the	DET
hassl-3803	133	48	recommended	recommend	VERB
hassl-3803	133	49	minimum	minimum	NOUN
hassl-3803	133	50	of	of	ADP
hassl-3803	133	51	0.60	0.60	NUM
hassl-3803	133	52	(	(	PUNCT
hassl-3803	133	53	henseler	henseler	NOUN
hassl-3803	133	54	&	&	CCONJ
hassl-3803	133	55	sarstedt	sarstedt	PROPN
hassl-3803	133	56	,	,	PUNCT
hassl-3803	133	57	2013	2013	NUM
hassl-3803	133	58	)	)	PUNCT
hassl-3803	133	59	.	.	PUNCT
hassl-3803	134	1	these	these	DET
hassl-3803	134	2	results	result	NOUN
hassl-3803	134	3	show	show	VERB
hassl-3803	134	4	that	that	SCONJ
hassl-3803	134	5	the	the	DET
hassl-3803	134	6	measures	measure	NOUN
hassl-3803	134	7	are	be	AUX
hassl-3803	134	8	acceptable	acceptable	ADJ
hassl-3803	134	9	as	as	SCONJ
hassl-3803	134	10	regards	regard	VERB
hassl-3803	134	11	their	their	PRON
hassl-3803	134	12	internal	internal	ADJ
hassl-3803	134	13	consistency	consistency	NOUN
hassl-3803	134	14	and	and	CCONJ
hassl-3803	134	15	reliability	reliability	NOUN
hassl-3803	134	16	.	.	PUNCT
hassl-3803	135	1	the	the	DET
hassl-3803	135	2	convergence	convergence	NOUN
hassl-3803	135	3	validity	validity	NOUN
hassl-3803	135	4	of	of	ADP
hassl-3803	135	5	the	the	DET
hassl-3803	135	6	model	model	NOUN
hassl-3803	135	7	is	be	AUX
hassl-3803	135	8	examined	examine	VERB
hassl-3803	135	9	using	use	VERB
hassl-3803	135	10	the	the	DET
hassl-3803	135	11	average	average	ADJ
hassl-3803	135	12	variance	variance	NOUN
hassl-3803	135	13	extracted	extract	VERB
hassl-3803	135	14	(	(	PUNCT
hassl-3803	135	15	ave	ave	NOUN
hassl-3803	135	16	)	)	PUNCT
hassl-3803	135	17	and	and	CCONJ
hassl-3803	135	18	the	the	DET
hassl-3803	135	19	item	item	NOUN
hassl-3803	135	20	loadings	loading	NOUN
hassl-3803	135	21	(	(	PUNCT
hassl-3803	135	22	table	table	NOUN
hassl-3803	135	23	3	3	NUM
hassl-3803	135	24	and	and	CCONJ
hassl-3803	135	25	4	4	NUM
hassl-3803	135	26	)	)	PUNCT
hassl-3803	135	27	as	as	SCONJ
hassl-3803	135	28	recommended	recommend	VERB
hassl-3803	135	29	by	by	ADP
hassl-3803	135	30	hair	hair	NOUN
hassl-3803	135	31	,	,	PUNCT
hassl-3803	135	32	ringle	ringle	NOUN
hassl-3803	135	33	,	,	PUNCT
hassl-3803	135	34	and	and	CCONJ
hassl-3803	135	35	sarstedt	sarstedt	NOUN
hassl-3803	135	36	(	(	PUNCT
hassl-3803	135	37	2013	2013	NUM
hassl-3803	135	38	)	)	PUNCT
hassl-3803	135	39	.	.	PUNCT
hassl-3803	136	1	ave	ave	NOUN
hassl-3803	136	2	of	of	ADP
hassl-3803	136	3	all	all	DET
hassl-3803	136	4	the	the	DET
hassl-3803	136	5	six	six	NUM
hassl-3803	136	6	constructs	construct	NOUN
hassl-3803	136	7	under	under	ADP
hassl-3803	136	8	study	study	NOUN
hassl-3803	136	9	is	be	AUX
hassl-3803	136	10	0.715	0.715	NOUN
hassl-3803	136	11	(	(	PUNCT
hassl-3803	136	12	attitude	attitude	NOUN
hassl-3803	136	13	)	)	PUNCT
hassl-3803	136	14	,	,	PUNCT
hassl-3803	136	15	0.749	0.749	NUM
hassl-3803	136	16	(	(	PUNCT
hassl-3803	136	17	subjective	subjective	ADJ
hassl-3803	136	18	norms	norm	NOUN
hassl-3803	136	19	)	)	PUNCT
hassl-3803	136	20	,	,	PUNCT
hassl-3803	136	21	0.691	0.691	NUM
hassl-3803	136	22	(	(	PUNCT
hassl-3803	136	23	perceived	perceive	VERB
hassl-3803	136	24	behaviour	behaviour	NOUN
hassl-3803	136	25	control	control	NOUN
hassl-3803	136	26	)	)	PUNCT
hassl-3803	136	27	,	,	PUNCT
hassl-3803	136	28	0.720	0.720	NUM
hassl-3803	136	29	(	(	PUNCT
hassl-3803	136	30	behavioural	behavioural	ADJ
hassl-3803	136	31	intention	intention	NOUN
hassl-3803	136	32	)	)	PUNCT
hassl-3803	136	33	,	,	PUNCT
hassl-3803	136	34	0.738	0.738	NUM
hassl-3803	136	35	(	(	PUNCT
hassl-3803	136	36	quality	quality	NOUN
hassl-3803	136	37	of	of	ADP
hassl-3803	136	38	access	access	NOUN
hassl-3803	136	39	)	)	PUNCT
hassl-3803	136	40	,	,	PUNCT
hassl-3803	136	41	and	and	CCONJ
hassl-3803	136	42	0.717	0.717	NUM
hassl-3803	136	43	(	(	PUNCT
hassl-3803	136	44	digital	digital	ADJ
hassl-3803	136	45	skills	skill	NOUN
hassl-3803	136	46	)	)	PUNCT
hassl-3803	136	47	.	.	PUNCT
hassl-3803	137	1	in	in	ADP
hassl-3803	137	2	all	all	DET
hassl-3803	137	3	cases	case	NOUN
hassl-3803	137	4	,	,	PUNCT
hassl-3803	137	5	the	the	DET
hassl-3803	137	6	values	value	NOUN
hassl-3803	137	7	are	be	AUX
hassl-3803	137	8	above	above	ADP
hassl-3803	137	9	the	the	DET
hassl-3803	137	10	recommended	recommend	VERB
hassl-3803	137	11	minimum	minimum	NOUN
hassl-3803	137	12	of	of	ADP
hassl-3803	137	13	0.50	0.50	NUM
hassl-3803	137	14	(	(	PUNCT
hassl-3803	137	15	bagozzi	bagozzi	PROPN
hassl-3803	137	16	&	&	CCONJ
hassl-3803	137	17	yi	yi	PROPN
hassl-3803	137	18	,	,	PUNCT
hassl-3803	137	19	1988	1988	NUM
hassl-3803	137	20	)	)	PUNCT
hassl-3803	137	21	.	.	PUNCT
hassl-3803	138	1	table	table	NOUN
hassl-3803	138	2	3	3	NUM
hassl-3803	138	3	provides	provide	VERB
hassl-3803	138	4	the	the	DET
hassl-3803	138	5	item	item	NOUN
hassl-3803	138	6	loadings	loading	NOUN
hassl-3803	138	7	of	of	ADP
hassl-3803	138	8	the	the	DET
hassl-3803	138	9	indicators	indicator	NOUN
hassl-3803	138	10	against	against	ADP
hassl-3803	138	11	their	their	PRON
hassl-3803	138	12	respective	respective	ADJ
hassl-3803	138	13	latent	latent	NOUN
hassl-3803	138	14	constructs	construct	NOUN
hassl-3803	138	15	.	.	PUNCT
hassl-3803	139	1	item	item	NOUN
hassl-3803	139	2	loadings	loading	NOUN
hassl-3803	139	3	range	range	VERB
hassl-3803	139	4	from	from	ADP
hassl-3803	139	5	0.741	0.741	NUM
hassl-3803	139	6	to	to	ADP
hassl-3803	139	7	0.913	0.913	NUM
hassl-3803	139	8	(	(	PUNCT
hassl-3803	139	9	attitude	attitude	NOUN
hassl-3803	139	10	)	)	PUNCT
hassl-3803	139	11	;	;	PUNCT
hassl-3803	139	12	0.841	0.841	NUM
hassl-3803	139	13	to	to	ADP
hassl-3803	139	14	0.920	0.920	NUM
hassl-3803	139	15	(	(	PUNCT
hassl-3803	139	16	subjective	subjective	ADJ
hassl-3803	139	17	norms	norm	NOUN
hassl-3803	139	18	)	)	PUNCT
hassl-3803	139	19	;	;	PUNCT
hassl-3803	139	20	0.786	0.786	NUM
hassl-3803	139	21	to	to	ADP
hassl-3803	139	22	0.844	0.844	NUM
hassl-3803	139	23	(	(	PUNCT
hassl-3803	139	24	perceived	perceive	VERB
hassl-3803	139	25	behaviour	behaviour	NOUN
hassl-3803	139	26	control	control	NOUN
hassl-3803	139	27	)	)	PUNCT
hassl-3803	139	28	;	;	PUNCT
hassl-3803	139	29	0.812	0.812	NUM
hassl-3803	139	30	to	to	ADP
hassl-3803	139	31	0.903	0.903	NUM
hassl-3803	139	32	(	(	PUNCT
hassl-3803	139	33	behavioural	behavioural	ADJ
hassl-3803	139	34	intention	intention	NOUN
hassl-3803	139	35	)	)	PUNCT
hassl-3803	139	36	;	;	PUNCT
hassl-3803	139	37	0.818	0.818	NUM
hassl-3803	139	38	to	to	ADP
hassl-3803	139	39	0.902	0.902	NUM
hassl-3803	139	40	(	(	PUNCT
hassl-3803	139	41	quality	quality	NOUN
hassl-3803	139	42	of	of	ADP
hassl-3803	139	43	access	access	NOUN
hassl-3803	139	44	)	)	PUNCT
hassl-3803	139	45	;	;	PUNCT
hassl-3803	139	46	and	and	CCONJ
hassl-3803	139	47	0.776	0.776	NUM
hassl-3803	139	48	to	to	ADP
hassl-3803	139	49	0.913	0.913	NUM
hassl-3803	139	50	(	(	PUNCT
hassl-3803	139	51	digital	digital	ADJ
hassl-3803	139	52	skills	skill	NOUN
hassl-3803	139	53	)	)	PUNCT
hassl-3803	139	54	.	.	PUNCT
hassl-3803	140	1	based	base	VERB
hassl-3803	140	2	on	on	ADP
hassl-3803	140	3	the	the	DET
hassl-3803	140	4	recommendations	recommendation	NOUN
hassl-3803	140	5	of	of	ADP
hassl-3803	140	6	hair	hair	NOUN
hassl-3803	140	7	,	,	PUNCT
hassl-3803	140	8	hult	hult	NOUN
hassl-3803	140	9	,	,	PUNCT
hassl-3803	140	10	ringle	ringle	NOUN
hassl-3803	140	11	,	,	PUNCT
hassl-3803	140	12	and	and	CCONJ
hassl-3803	140	13	sarstedt	sarstedt	NOUN
hassl-3803	140	14	(	(	PUNCT
hassl-3803	140	15	2017	2017	NUM
hassl-3803	140	16	)	)	PUNCT
hassl-3803	140	17	,	,	PUNCT
hassl-3803	140	18	item	item	NOUN
hassl-3803	140	19	loadings	loading	NOUN
hassl-3803	140	20	above	above	ADP
hassl-3803	140	21	0.708	0.708	NUM
hassl-3803	140	22	indicate	indicate	VERB
hassl-3803	140	23	the	the	DET
hassl-3803	140	24	achievement	achievement	NOUN
hassl-3803	140	25	of	of	ADP
hassl-3803	140	26	convergent	convergent	NOUN
hassl-3803	140	27	validity	validity	NOUN
hassl-3803	140	28	.	.	PUNCT
hassl-3803	141	1	source	source	NOUN
hassl-3803	141	2	:	:	PUNCT
hassl-3803	141	3	analysis	analysis	NOUN
hassl-3803	141	4	results	result	NOUN
hassl-3803	141	5	.	.	PUNCT
hassl-3803	142	1	humanities	humanity	NOUN
hassl-3803	142	2	and	and	CCONJ
hassl-3803	142	3	social	social	ADJ
hassl-3803	142	4	sciences	science	NOUN
hassl-3803	142	5	letters	letter	NOUN
hassl-3803	142	6	,	,	PUNCT
hassl-3803	142	7	2024	2024	NUM
hassl-3803	142	8	,	,	PUNCT
hassl-3803	142	9	12(3	12(3	NUM
hassl-3803	142	10	):	):	PUNCT
hassl-3803	142	11	543	543	NUM
hassl-3803	142	12	-	-	SYM
hassl-3803	142	13	555	555	NUM
hassl-3803	142	14	548	548	NUM
hassl-3803	142	15	©	©	ADP
hassl-3803	142	16	2024	2024	NUM
hassl-3803	142	17	conscientia	conscientia	PROPN
hassl-3803	142	18	beam	beam	PROPN
hassl-3803	142	19	.	.	PUNCT
hassl-3803	143	1	all	all	DET
hassl-3803	143	2	rights	right	NOUN
hassl-3803	143	3	reserved	reserve	VERB
hassl-3803	143	4	.	.	PUNCT
hassl-3803	144	1	table	table	NOUN
hassl-3803	144	2	2	2	NUM
hassl-3803	144	3	.	.	PUNCT
hassl-3803	144	4	reliability	reliability	NOUN
hassl-3803	144	5	statistics	statistic	NOUN
hassl-3803	144	6	.	.	PUNCT
hassl-3803	145	1	constructs	construct	VERB
hassl-3803	145	2	no	no	INTJ
hassl-3803	145	3	.	.	PUNCT
hassl-3803	146	1	of	of	ADP
hassl-3803	146	2	items	item	NOUN
hassl-3803	146	3	cronbach	cronbach	VERB
hassl-3803	146	4	’s	’s	PART
hassl-3803	146	5	alpha	alpha	ADJ
hassl-3803	146	6	composite	composite	ADJ
hassl-3803	146	7	reliability	reliability	NOUN
hassl-3803	146	8	attitude	attitude	NOUN
hassl-3803	146	9	4	4	NUM
hassl-3803	146	10	0.874	0.874	NUM
hassl-3803	146	11	0.877	0.877	NUM
hassl-3803	146	12	subjective	subjective	ADJ
hassl-3803	146	13	norms	norm	NOUN
hassl-3803	146	14	3	3	NUM
hassl-3803	146	15	0.796	0.796	NUM
hassl-3803	146	16	0.865	0.865	NUM
hassl-3803	146	17	perceived	perceive	VERB
hassl-3803	146	18	behavioral	behavioral	ADJ
hassl-3803	146	19	control	control	NOUN
hassl-3803	146	20	3	3	NUM
hassl-3803	146	21	0.851	0.851	NUM
hassl-3803	146	22	0.889	0.889	NUM
hassl-3803	146	23	behavioral	behavioral	ADJ
hassl-3803	146	24	intention	intention	NOUN
hassl-3803	146	25	3	3	NUM
hassl-3803	146	26	0.826	0.826	NUM
hassl-3803	146	27	0.847	0.847	NUM
hassl-3803	146	28	quality	quality	NOUN
hassl-3803	146	29	of	of	ADP
hassl-3803	146	30	access	access	NOUN
hassl-3803	146	31	to	to	ADP
hassl-3803	146	32	internet	internet	NOUN
hassl-3803	146	33	3	3	NUM
hassl-3803	146	34	0.845	0.845	NUM
hassl-3803	146	35	0.862	0.862	NUM
hassl-3803	146	36	digital	digital	ADJ
hassl-3803	146	37	skills	skill	NOUN
hassl-3803	146	38	4	4	NUM
hassl-3803	146	39	0.823	0.823	NUM
hassl-3803	146	40	0.879	0.879	NUM
hassl-3803	146	41	source	source	NOUN
hassl-3803	146	42	:	:	PUNCT
hassl-3803	146	43	analysis	analysis	NOUN
hassl-3803	146	44	results	result	NOUN
hassl-3803	146	45	.	.	PUNCT
hassl-3803	147	1	table	table	NOUN
hassl-3803	147	2	3	3	NUM
hassl-3803	147	3	.	.	PUNCT
hassl-3803	148	1	convergent	convergent	ADJ
hassl-3803	148	2	validity	validity	NOUN
hassl-3803	148	3	(	(	PUNCT
hassl-3803	148	4	ave	ave	NOUN
hassl-3803	148	5	)	)	PUNCT
hassl-3803	148	6	of	of	ADP
hassl-3803	148	7	measurement	measurement	NOUN
hassl-3803	148	8	model	model	PROPN
hassl-3803	148	9	.	.	PUNCT
hassl-3803	149	1	constructs	construct	VERB
hassl-3803	149	2	ave	ave	PROPN
hassl-3803	149	3	attitude	attitude	NOUN
hassl-3803	149	4	0.715	0.715	DET
hassl-3803	149	5	subjective	subjective	ADJ
hassl-3803	149	6	norms	norm	NOUN
hassl-3803	149	7	0.749	0.749	NUM
hassl-3803	149	8	perceived	perceive	VERB
hassl-3803	149	9	behavioral	behavioral	ADJ
hassl-3803	149	10	control	control	NOUN
hassl-3803	149	11	0.691	0.691	NUM
hassl-3803	149	12	behavioral	behavioral	ADJ
hassl-3803	149	13	intention	intention	NOUN
hassl-3803	149	14	0.720	0.720	NUM
hassl-3803	149	15	quality	quality	NOUN
hassl-3803	149	16	of	of	ADP
hassl-3803	149	17	access	access	NOUN
hassl-3803	149	18	to	to	ADP
hassl-3803	149	19	internet	internet	NOUN
hassl-3803	149	20	0.738	0.738	NUM
hassl-3803	149	21	digital	digital	ADJ
hassl-3803	149	22	skills	skill	NOUN
hassl-3803	149	23	0.717	0.717	NUM
hassl-3803	149	24	source	source	NOUN
hassl-3803	149	25	:	:	PUNCT
hassl-3803	149	26	analysis	analysis	NOUN
hassl-3803	149	27	results	result	NOUN
hassl-3803	149	28	.	.	PUNCT
hassl-3803	150	1	table	table	NOUN
hassl-3803	150	2	4	4	NUM
hassl-3803	150	3	.	.	PUNCT
hassl-3803	151	1	convergent	convergent	ADJ
hassl-3803	151	2	validity	validity	NOUN
hassl-3803	151	3	(	(	PUNCT
hassl-3803	151	4	item	item	NOUN
hassl-3803	151	5	loadings	loading	NOUN
hassl-3803	151	6	)	)	PUNCT
hassl-3803	151	7	and	and	CCONJ
hassl-3803	151	8	discriminant	discriminant	ADJ
hassl-3803	151	9	validity	validity	NOUN
hassl-3803	151	10	(	(	PUNCT
hassl-3803	151	11	cross	cross	NOUN
hassl-3803	151	12	loadings	loading	NOUN
hassl-3803	151	13	)	)	PUNCT
hassl-3803	151	14	of	of	ADP
hassl-3803	151	15	measurement	measurement	NOUN
hassl-3803	151	16	model	model	NOUN
hassl-3803	151	17	.	.	PUNCT
hassl-3803	152	1	items	item	NOUN
hassl-3803	152	2	att	att	PROPN
hassl-3803	152	3	sunor	sunor	PROPN
hassl-3803	152	4	pbcon	pbcon	PROPN
hassl-3803	152	5	behint	behint	PROPN
hassl-3803	152	6	quacc	quacc	PROPN
hassl-3803	152	7	disk	disk	NOUN
hassl-3803	152	8	att01	att01	NOUN
hassl-3803	152	9	0.807	0.807	NUM
hassl-3803	152	10	0.336	0.336	NUM
hassl-3803	152	11	0.335	0.335	NUM
hassl-3803	152	12	0.184	0.184	NUM
hassl-3803	152	13	0.273	0.273	NUM
hassl-3803	152	14	0.267	0.267	NUM
hassl-3803	152	15	att02	att02	NOUN
hassl-3803	152	16	0.908	0.908	NUM
hassl-3803	152	17	0.289	0.289	NUM
hassl-3803	152	18	0.344	0.344	NUM
hassl-3803	152	19	0.235	0.235	NUM
hassl-3803	152	20	0.407	0.407	NUM
hassl-3803	152	21	0.328	0.328	NUM
hassl-3803	152	22	att03	att03	VERB
hassl-3803	152	23	0.913	0.913	NUM
hassl-3803	152	24	0.264	0.264	NUM
hassl-3803	152	25	0.221	0.221	NUM
hassl-3803	152	26	0.180	0.180	NUM
hassl-3803	152	27	0.394	0.394	NUM
hassl-3803	152	28	0.372	0.372	NUM
hassl-3803	152	29	att04	att04	NOUN
hassl-3803	152	30	0.741	0.741	NUM
hassl-3803	152	31	0.324	0.324	NUM
hassl-3803	152	32	0.172	0.172	NUM
hassl-3803	152	33	0.400	0.400	NUM
hassl-3803	152	34	0.422	0.422	NUM
hassl-3803	152	35	0.312	0.312	NUM
hassl-3803	152	36	sunor01	sunor01	NOUN
hassl-3803	152	37	0.204	0.204	NUM
hassl-3803	152	38	0.918	0.918	NUM
hassl-3803	152	39	0.320	0.320	NUM
hassl-3803	152	40	0.427	0.427	NUM
hassl-3803	152	41	0.411	0.411	NUM
hassl-3803	152	42	0.328	0.328	NUM
hassl-3803	152	43	sunor02	sunor02	VERB
hassl-3803	152	44	0.403	0.403	NUM
hassl-3803	152	45	0.920	0.920	NUM
hassl-3803	152	46	0.295	0.295	NUM
hassl-3803	152	47	0.281	0.281	NUM
hassl-3803	152	48	0.308	0.308	NUM
hassl-3803	152	49	0.234	0.234	NUM
hassl-3803	152	50	sunor03	sunor03	NOUN
hassl-3803	152	51	0.174	0.174	NUM
hassl-3803	152	52	0.841	0.841	NUM
hassl-3803	152	53	0.361	0.361	NUM
hassl-3803	152	54	0.375	0.375	NUM
hassl-3803	152	55	0.257	0.257	NUM
hassl-3803	152	56	0.374	0.374	NUM
hassl-3803	152	57	pbcon01	pbcon01	NOUN
hassl-3803	152	58	0.240	0.240	NUM
hassl-3803	152	59	0.308	0.308	NUM
hassl-3803	152	60	0.844	0.844	NUM
hassl-3803	152	61	0.388	0.388	NUM
hassl-3803	152	62	0.214	0.214	NUM
hassl-3803	152	63	0.277	0.277	NUM
hassl-3803	152	64	pbcon02	pbcon02	NOUN
hassl-3803	152	65	0.406	0.406	NUM
hassl-3803	152	66	0.345	0.345	NUM
hassl-3803	152	67	0.786	0.786	NUM
hassl-3803	152	68	0.272	0.272	NUM
hassl-3803	152	69	0.227	0.227	NUM
hassl-3803	152	70	0.221	0.221	NUM
hassl-3803	152	71	pbcon03	pbcon03	NOUN
hassl-3803	152	72	0.309	0.309	NUM
hassl-3803	152	73	0.186	0.186	NUM
hassl-3803	152	74	0.805	0.805	NUM
hassl-3803	152	75	0.417	0.417	NUM
hassl-3803	152	76	0.417	0.417	NUM
hassl-3803	152	77	0.316	0.316	NUM
hassl-3803	152	78	behint01	behint01	NOUN
hassl-3803	152	79	0.236	0.236	NUM
hassl-3803	152	80	0.188	0.188	NUM
hassl-3803	152	81	0.311	0.311	NUM
hassl-3803	152	82	0.812	0.812	NUM
hassl-3803	152	83	0.198	0.198	NUM
hassl-3803	152	84	0.294	0.294	NUM
hassl-3803	152	85	behint02	behint02	NOUN
hassl-3803	152	86	0.409	0.409	NUM
hassl-3803	152	87	0.207	0.207	NUM
hassl-3803	152	88	0.178	0.178	NUM
hassl-3803	152	89	0.903	0.903	NUM
hassl-3803	152	90	0.320	0.320	NUM
hassl-3803	152	91	0.292	0.292	NUM
hassl-3803	152	92	behint03	behint03	NOUN
hassl-3803	152	93	0.308	0.308	NUM
hassl-3803	152	94	0.341	0.341	NUM
hassl-3803	152	95	0.306	0.306	NUM
hassl-3803	152	96	0.827	0.827	NUM
hassl-3803	152	97	0.205	0.205	NUM
hassl-3803	152	98	0.390	0.390	NUM
hassl-3803	152	99	quacc01	quacc01	NOUN
hassl-3803	152	100	0.260	0.260	NUM
hassl-3803	152	101	0.313	0.313	NUM
hassl-3803	152	102	0.434	0.434	NUM
hassl-3803	152	103	0.412	0.412	NUM
hassl-3803	152	104	0.818	0.818	NUM
hassl-3803	152	105	0.204	0.204	NUM
hassl-3803	152	106	quacc02	quacc02	NOUN
hassl-3803	152	107	0.198	0.198	NUM
hassl-3803	152	108	0.230	0.230	NUM
hassl-3803	152	109	0.343	0.343	NUM
hassl-3803	152	110	0.320	0.320	NUM
hassl-3803	152	111	0.902	0.902	NUM
hassl-3803	152	112	0.185	0.185	NUM
hassl-3803	152	113	quacc03	quacc03	NOUN
hassl-3803	152	114	0.168	0.168	NUM
hassl-3803	152	115	0.271	0.271	NUM
hassl-3803	152	116	0.313	0.313	NUM
hassl-3803	152	117	0.283	0.283	NUM
hassl-3803	152	118	0.856	0.856	NUM
hassl-3803	152	119	0.350	0.350	NUM
hassl-3803	152	120	disk01	disk01	NOUN
hassl-3803	152	121	0.423	0.423	NUM
hassl-3803	152	122	0.234	0.234	NUM
hassl-3803	152	123	0.402	0.402	NUM
hassl-3803	152	124	0.379	0.379	NUM
hassl-3803	152	125	0.370	0.370	NUM
hassl-3803	152	126	0.776	0.776	NUM
hassl-3803	152	127	disk02	disk02	NOUN
hassl-3803	152	128	0.204	0.204	NUM
hassl-3803	152	129	0.420	0.420	NUM
hassl-3803	152	130	0.421	0.421	NUM
hassl-3803	152	131	0.304	0.304	NUM
hassl-3803	152	132	0.255	0.255	NUM
hassl-3803	152	133	0.854	0.854	NUM
hassl-3803	152	134	disk03	disk03	NOUN
hassl-3803	152	135	0.403	0.403	NUM
hassl-3803	152	136	0.191	0.191	NUM
hassl-3803	152	137	0.411	0.411	NUM
hassl-3803	152	138	0.173	0.173	NUM
hassl-3803	152	139	0.345	0.345	NUM
hassl-3803	152	140	0.913	0.913	NUM
hassl-3803	152	141	disk04	disk04	NOUN
hassl-3803	152	142	0.174	0.174	NUM
hassl-3803	152	143	0.189	0.189	NUM
hassl-3803	152	144	0.335	0.335	NUM
hassl-3803	152	145	0.237	0.237	NUM
hassl-3803	152	146	0.367	0.367	NUM
hassl-3803	152	147	0.839	0.839	NUM
hassl-3803	152	148	source	source	NOUN
hassl-3803	152	149	:	:	PUNCT
hassl-3803	152	150	analysis	analysis	NOUN
hassl-3803	152	151	results	result	NOUN
hassl-3803	152	152	.	.	PUNCT
hassl-3803	153	1	we	we	PRON
hassl-3803	153	2	tested	test	VERB
hassl-3803	153	3	the	the	DET
hassl-3803	153	4	discriminant	discriminant	ADJ
hassl-3803	153	5	validity	validity	NOUN
hassl-3803	153	6	of	of	ADP
hassl-3803	153	7	the	the	DET
hassl-3803	153	8	model	model	NOUN
hassl-3803	153	9	using	use	VERB
hassl-3803	153	10	cross	cross	NOUN
hassl-3803	153	11	-	-	NOUN
hassl-3803	153	12	loadings	loading	NOUN
hassl-3803	153	13	(	(	PUNCT
hassl-3803	153	14	table	table	NOUN
hassl-3803	153	15	4	4	NUM
hassl-3803	153	16	)	)	PUNCT
hassl-3803	153	17	and	and	CCONJ
hassl-3803	153	18	heterotrait	heterotrait	NOUN
hassl-3803	153	19	-	-	PUNCT
hassl-3803	153	20	monotrait	monotrait	NOUN
hassl-3803	153	21	(	(	PUNCT
hassl-3803	153	22	htmt	htmt	PROPN
hassl-3803	153	23	)	)	PUNCT
hassl-3803	153	24	ratio	ratio	NOUN
hassl-3803	153	25	(	(	PUNCT
hassl-3803	153	26	table	table	NOUN
hassl-3803	153	27	5	5	NUM
hassl-3803	153	28	)	)	PUNCT
hassl-3803	153	29	.	.	PUNCT
hassl-3803	154	1	gefen	gefen	NOUN
hassl-3803	154	2	and	and	CCONJ
hassl-3803	154	3	straub	straub	PROPN
hassl-3803	154	4	(	(	PUNCT
hassl-3803	154	5	2005	2005	NUM
hassl-3803	154	6	)	)	PUNCT
hassl-3803	154	7	recommended	recommend	VERB
hassl-3803	154	8	that	that	SCONJ
hassl-3803	154	9	coefficients	coefficient	NOUN
hassl-3803	154	10	below	below	ADP
hassl-3803	154	11	0.40	0.40	NUM
hassl-3803	154	12	are	be	AUX
hassl-3803	154	13	indicative	indicative	ADJ
hassl-3803	154	14	of	of	ADP
hassl-3803	154	15	low	low	ADJ
hassl-3803	154	16	loadings	loading	NOUN
hassl-3803	154	17	with	with	ADP
hassl-3803	154	18	a	a	DET
hassl-3803	154	19	factor	factor	NOUN
hassl-3803	154	20	they	they	PRON
hassl-3803	154	21	do	do	AUX
hassl-3803	154	22	not	not	PART
hassl-3803	154	23	measure	measure	VERB
hassl-3803	154	24	.	.	PUNCT
hassl-3803	155	1	the	the	DET
hassl-3803	155	2	results	result	NOUN
hassl-3803	155	3	show	show	VERB
hassl-3803	155	4	that	that	SCONJ
hassl-3803	155	5	cross	cros	NOUN
hassl-3803	155	6	-	-	NOUN
hassl-3803	155	7	loadings	loading	NOUN
hassl-3803	155	8	are	be	AUX
hassl-3803	155	9	very	very	ADV
hassl-3803	155	10	low	low	ADJ
hassl-3803	155	11	in	in	ADP
hassl-3803	155	12	all	all	DET
hassl-3803	155	13	cases	case	NOUN
hassl-3803	155	14	.	.	PUNCT
hassl-3803	156	1	htmt	htmt	NOUN
hassl-3803	156	2	is	be	AUX
hassl-3803	156	3	the	the	DET
hassl-3803	156	4	ratio	ratio	NOUN
hassl-3803	156	5	between	between	ADP
hassl-3803	156	6	(	(	PUNCT
hassl-3803	156	7	i	i	NOUN
hassl-3803	156	8	)	)	PUNCT
hassl-3803	156	9	the	the	DET
hassl-3803	156	10	average	average	ADJ
hassl-3803	156	11	correlations	correlation	NOUN
hassl-3803	156	12	of	of	ADP
hassl-3803	156	13	the	the	DET
hassl-3803	156	14	indicators	indicator	NOUN
hassl-3803	156	15	across	across	ADP
hassl-3803	156	16	constructs	construct	NOUN
hassl-3803	156	17	measuring	measure	VERB
hassl-3803	156	18	different	different	ADJ
hassl-3803	156	19	phenomena	phenomenon	NOUN
hassl-3803	156	20	)	)	PUNCT
hassl-3803	156	21	and	and	CCONJ
hassl-3803	156	22	(	(	PUNCT
hassl-3803	156	23	ii	ii	NOUN
hassl-3803	156	24	)	)	PUNCT
hassl-3803	156	25	the	the	DET
hassl-3803	156	26	average	average	ADJ
hassl-3803	156	27	correlations	correlation	NOUN
hassl-3803	156	28	of	of	ADP
hassl-3803	156	29	indicators	indicator	NOUN
hassl-3803	156	30	within	within	ADP
hassl-3803	156	31	the	the	DET
hassl-3803	156	32	same	same	ADJ
hassl-3803	156	33	construct	construct	NOUN
hassl-3803	156	34	(	(	PUNCT
hassl-3803	156	35	henseler	henseler	NOUN
hassl-3803	156	36	,	,	PUNCT
hassl-3803	156	37	ringle	ringle	NOUN
hassl-3803	156	38	,	,	PUNCT
hassl-3803	156	39	&	&	CCONJ
hassl-3803	156	40	sarstedt	sarstedt	NOUN
hassl-3803	156	41	,	,	PUNCT
hassl-3803	156	42	2015	2015	NUM
hassl-3803	156	43	)	)	PUNCT
hassl-3803	156	44	.	.	PUNCT
hassl-3803	157	1	the	the	DET
hassl-3803	157	2	threshold	threshold	NOUN
hassl-3803	157	3	value	value	NOUN
hassl-3803	157	4	for	for	ADP
hassl-3803	157	5	htmt	htmt	NOUN
hassl-3803	157	6	is	be	AUX
hassl-3803	157	7	0.85	0.85	NUM
hassl-3803	157	8	(	(	PUNCT
hassl-3803	157	9	clark	clark	PROPN
hassl-3803	157	10	&	&	CCONJ
hassl-3803	157	11	watson	watson	PROPN
hassl-3803	157	12	,	,	PUNCT
hassl-3803	157	13	1995	1995	NUM
hassl-3803	157	14	;	;	PUNCT
hassl-3803	157	15	kline	kline	PROPN
hassl-3803	157	16	,	,	PUNCT
hassl-3803	157	17	2011	2011	NUM
hassl-3803	157	18	)	)	PUNCT
hassl-3803	157	19	,	,	PUNCT
hassl-3803	157	20	with	with	ADP
hassl-3803	157	21	higher	high	ADJ
hassl-3803	157	22	values	value	NOUN
hassl-3803	157	23	indicating	indicate	VERB
hassl-3803	157	24	a	a	DET
hassl-3803	157	25	lack	lack	NOUN
hassl-3803	157	26	of	of	ADP
hassl-3803	157	27	discriminant	discriminant	ADJ
hassl-3803	157	28	validity	validity	NOUN
hassl-3803	157	29	(	(	PUNCT
hassl-3803	157	30	henseler	henseler	NOUN
hassl-3803	157	31	et	et	PROPN
hassl-3803	157	32	al	al	PROPN
hassl-3803	157	33	.	.	PROPN
hassl-3803	157	34	,	,	PUNCT
hassl-3803	157	35	2015	2015	NUM
hassl-3803	157	36	)	)	PUNCT
hassl-3803	157	37	.	.	PUNCT
hassl-3803	158	1	table	table	NOUN
hassl-3803	158	2	4	4	NUM
hassl-3803	158	3	shows	show	VERB
hassl-3803	158	4	that	that	SCONJ
hassl-3803	158	5	the	the	DET
hassl-3803	158	6	computed	compute	VERB
hassl-3803	158	7	htmt	htmt	NOUN
hassl-3803	158	8	values	value	NOUN
hassl-3803	158	9	are	be	AUX
hassl-3803	158	10	low	low	ADJ
hassl-3803	158	11	.	.	PUNCT
hassl-3803	159	1	thus	thus	ADV
hassl-3803	159	2	,	,	PUNCT
hassl-3803	159	3	the	the	DET
hassl-3803	159	4	discriminant	discriminant	ADJ
hassl-3803	159	5	validity	validity	NOUN
hassl-3803	159	6	of	of	ADP
hassl-3803	159	7	the	the	DET
hassl-3803	159	8	scales	scale	NOUN
hassl-3803	159	9	is	be	AUX
hassl-3803	159	10	established	establish	VERB
hassl-3803	159	11	.	.	PUNCT
hassl-3803	160	1	humanities	humanity	NOUN
hassl-3803	160	2	and	and	CCONJ
hassl-3803	160	3	social	social	ADJ
hassl-3803	160	4	sciences	science	NOUN
hassl-3803	160	5	letters	letter	NOUN
hassl-3803	160	6	,	,	PUNCT
hassl-3803	160	7	2024	2024	NUM
hassl-3803	160	8	,	,	PUNCT
hassl-3803	160	9	12(3	12(3	NUM
hassl-3803	160	10	):	):	PUNCT
hassl-3803	160	11	543	543	NUM
hassl-3803	160	12	-	-	SYM
hassl-3803	160	13	555	555	NUM
hassl-3803	160	14	549	549	NUM
hassl-3803	160	15	©	©	PROPN
hassl-3803	160	16	2024	2024	NUM
hassl-3803	160	17	conscientia	conscientia	PROPN
hassl-3803	160	18	beam	beam	PROPN
hassl-3803	160	19	.	.	PUNCT
hassl-3803	161	1	all	all	DET
hassl-3803	161	2	rights	right	NOUN
hassl-3803	161	3	reserved	reserve	VERB
hassl-3803	161	4	.	.	PUNCT
hassl-3803	162	1	table	table	NOUN
hassl-3803	162	2	5	5	NUM
hassl-3803	162	3	.	.	PUNCT
hassl-3803	163	1	discriminant	discriminant	ADJ
hassl-3803	163	2	validity	validity	NOUN
hassl-3803	163	3	(	(	PUNCT
hassl-3803	163	4	heterotrait	heterotrait	NOUN
hassl-3803	163	5	-	-	PUNCT
hassl-3803	163	6	monotrait	monotrait	NOUN
hassl-3803	163	7	ratio	ratio	NOUN
hassl-3803	163	8	)	)	PUNCT
hassl-3803	163	9	of	of	ADP
hassl-3803	163	10	measurement	measurement	NOUN
hassl-3803	163	11	model	model	PROPN
hassl-3803	163	12	.	.	PUNCT
hassl-3803	164	1	components	component	NOUN
hassl-3803	164	2	1	1	NUM
hassl-3803	164	3	2	2	NUM
hassl-3803	164	4	3	3	NUM
hassl-3803	164	5	4	4	NUM
hassl-3803	164	6	5	5	NUM
hassl-3803	164	7	6	6	NUM
hassl-3803	164	8	att	att	PROPN
hassl-3803	164	9	1	1	NUM
hassl-3803	164	10	-	-	PUNCT
hassl-3803	164	11	sunor	sunor	NOUN
hassl-3803	164	12	2	2	NUM
hassl-3803	164	13	0.603	0.603	NUM
hassl-3803	164	14	-	-	PUNCT
hassl-3803	164	15	pbcon	pbcon	NOUN
hassl-3803	164	16	3	3	NUM
hassl-3803	164	17	0.414	0.414	NUM
hassl-3803	164	18	0.374	0.374	NUM
hassl-3803	164	19	-	-	PUNCT
hassl-3803	164	20	behint	behint	VERB
hassl-3803	164	21	4	4	NUM
hassl-3803	164	22	0.339	0.339	NUM
hassl-3803	164	23	0.444	0.444	NUM
hassl-3803	164	24	0.362	0.362	NUM
hassl-3803	164	25	-	-	PUNCT
hassl-3803	164	26	quacc	quacc	PROPN
hassl-3803	164	27	5	5	NUM
hassl-3803	164	28	0.323	0.323	NUM
hassl-3803	164	29	0.327	0.327	NUM
hassl-3803	164	30	0.397	0.397	NUM
hassl-3803	164	31	0.282	0.282	NUM
hassl-3803	164	32	-	-	PUNCT
hassl-3803	164	33	disk	disk	NOUN
hassl-3803	164	34	6	6	NUM
hassl-3803	164	35	0.511	0.511	NUM
hassl-3803	164	36	0.636	0.636	NUM
hassl-3803	164	37	0.607	0.607	NUM
hassl-3803	164	38	0.317	0.317	NUM
hassl-3803	164	39	0.512	0.512	NUM
hassl-3803	164	40	-	-	PUNCT
hassl-3803	164	41	source	source	NOUN
hassl-3803	164	42	:	:	PUNCT
hassl-3803	164	43	analysis	analysis	NOUN
hassl-3803	164	44	results	result	NOUN
hassl-3803	164	45	figure	figure	VERB
hassl-3803	164	46	2	2	NUM
hassl-3803	164	47	presents	present	VERB
hassl-3803	164	48	the	the	DET
hassl-3803	164	49	results	result	NOUN
hassl-3803	164	50	of	of	ADP
hassl-3803	164	51	the	the	DET
hassl-3803	164	52	structural	structural	ADJ
hassl-3803	164	53	model	model	NOUN
hassl-3803	164	54	assessment	assessment	NOUN
hassl-3803	164	55	,	,	PUNCT
hassl-3803	164	56	where	where	SCONJ
hassl-3803	164	57	path	path	NOUN
hassl-3803	164	58	coefficients	coefficient	NOUN
hassl-3803	164	59	indicate	indicate	VERB
hassl-3803	164	60	the	the	DET
hassl-3803	164	61	direct	direct	ADJ
hassl-3803	164	62	effect	effect	NOUN
hassl-3803	164	63	of	of	ADP
hassl-3803	164	64	the	the	DET
hassl-3803	164	65	three	three	NUM
hassl-3803	164	66	predictors	predictor	NOUN
hassl-3803	164	67	on	on	ADP
hassl-3803	164	68	the	the	DET
hassl-3803	164	69	outcome	outcome	NOUN
hassl-3803	164	70	construct	construct	NOUN
hassl-3803	164	71	.	.	PUNCT
hassl-3803	165	1	all	all	DET
hassl-3803	165	2	the	the	DET
hassl-3803	165	3	path	path	NOUN
hassl-3803	165	4	coefficients	coefficient	NOUN
hassl-3803	165	5	are	be	AUX
hassl-3803	165	6	statistically	statistically	ADV
hassl-3803	165	7	significant	significant	ADJ
hassl-3803	165	8	and	and	CCONJ
hassl-3803	165	9	positive	positive	ADJ
hassl-3803	165	10	.	.	PUNCT
hassl-3803	166	1	perceived	perceive	VERB
hassl-3803	166	2	behavioral	behavioral	ADJ
hassl-3803	166	3	control	control	NOUN
hassl-3803	166	4	(	(	PUNCT
hassl-3803	166	5	β	β	X
hassl-3803	166	6	=	=	PUNCT
hassl-3803	166	7	0.627	0.627	NUM
hassl-3803	166	8	;	;	PUNCT
hassl-3803	166	9	t	t	NOUN
hassl-3803	166	10	-	-	PUNCT
hassl-3803	166	11	statistic	statistic	NOUN
hassl-3803	166	12	=	=	SYM
hassl-3803	166	13	14.581	14.581	NUM
hassl-3803	166	14	;	;	PUNCT
hassl-3803	166	15	p<0.001	p<0.001	X
hassl-3803	166	16	)	)	PUNCT
hassl-3803	166	17	had	have	VERB
hassl-3803	166	18	the	the	DET
hassl-3803	166	19	strongest	strong	ADJ
hassl-3803	166	20	effect	effect	NOUN
hassl-3803	166	21	on	on	ADP
hassl-3803	166	22	behavioral	behavioral	ADJ
hassl-3803	166	23	intention	intention	NOUN
hassl-3803	166	24	,	,	PUNCT
hassl-3803	166	25	followed	follow	VERB
hassl-3803	166	26	by	by	ADP
hassl-3803	166	27	subjective	subjective	ADJ
hassl-3803	166	28	norms	norm	NOUN
hassl-3803	166	29	(	(	PUNCT
hassl-3803	166	30	β	β	X
hassl-3803	166	31	=	=	SYM
hassl-3803	166	32	0.401	0.401	NUM
hassl-3803	166	33	;	;	PUNCT
hassl-3803	166	34	t	t	NOUN
hassl-3803	166	35	-	-	PUNCT
hassl-3803	166	36	statistic	statistic	NOUN
hassl-3803	166	37	=	=	SYM
hassl-3803	166	38	10.282	10.282	NUM
hassl-3803	166	39	;	;	PUNCT
hassl-3803	166	40	p<0.001	p<0.001	X
hassl-3803	166	41	)	)	PUNCT
hassl-3803	166	42	and	and	CCONJ
hassl-3803	166	43	attitude	attitude	NOUN
hassl-3803	166	44	(	(	PUNCT
hassl-3803	166	45	β	β	X
hassl-3803	166	46	=	=	SYM
hassl-3803	166	47	0.359	0.359	NUM
hassl-3803	166	48	;	;	PUNCT
hassl-3803	166	49	t	t	NOUN
hassl-3803	166	50	-	-	PUNCT
hassl-3803	166	51	statistic	statistic	NOUN
hassl-3803	166	52	=	=	NOUN
hassl-3803	166	53	7.978	7.978	NUM
hassl-3803	166	54	;	;	PUNCT
hassl-3803	166	55	p<0.001	p<0.001	X
hassl-3803	166	56	)	)	PUNCT
hassl-3803	166	57	.	.	PUNCT
hassl-3803	167	1	table	table	NOUN
hassl-3803	167	2	6	6	NUM
hassl-3803	167	3	shows	show	VERB
hassl-3803	167	4	the	the	DET
hassl-3803	167	5	direct	direct	ADJ
hassl-3803	167	6	effects	effect	NOUN
hassl-3803	167	7	of	of	ADP
hassl-3803	167	8	attitude	attitude	NOUN
hassl-3803	167	9	,	,	PUNCT
hassl-3803	167	10	perceived	perceive	VERB
hassl-3803	167	11	behavioral	behavioral	ADJ
hassl-3803	167	12	control	control	NOUN
hassl-3803	167	13	,	,	PUNCT
hassl-3803	167	14	and	and	CCONJ
hassl-3803	167	15	subjective	subjective	ADJ
hassl-3803	167	16	norms	norm	NOUN
hassl-3803	167	17	on	on	ADP
hassl-3803	167	18	behavioral	behavioral	ADJ
hassl-3803	167	19	intention	intention	NOUN
hassl-3803	167	20	.	.	PUNCT
hassl-3803	168	1	figure	figure	NOUN
hassl-3803	168	2	2	2	NUM
hassl-3803	168	3	.	.	PUNCT
hassl-3803	168	4	structural	structural	ADJ
hassl-3803	168	5	model	model	NOUN
hassl-3803	168	6	assessment	assessment	NOUN
hassl-3803	168	7	results	result	VERB
hassl-3803	168	8	.	.	PUNCT
hassl-3803	169	1	note	note	VERB
hassl-3803	169	2	:	:	PUNCT
hassl-3803	169	3	*	*	PUNCT
hassl-3803	169	4	denotes	denote	NOUN
hassl-3803	169	5	path	path	NOUN
hassl-3803	169	6	coefficient	coefficient	NOUN
hassl-3803	169	7	significant	significant	ADJ
hassl-3803	169	8	at	at	ADP
hassl-3803	169	9	five	five	NUM
hassl-3803	169	10	percent	percent	NOUN
hassl-3803	169	11	level	level	NOUN
hassl-3803	169	12	.	.	PUNCT
hassl-3803	170	1	table	table	NOUN
hassl-3803	170	2	6	6	NUM
hassl-3803	170	3	.	.	PUNCT
hassl-3803	171	1	path	path	NOUN
hassl-3803	171	2	coefficients	coefficient	NOUN
hassl-3803	171	3	of	of	ADP
hassl-3803	171	4	direct	direct	ADJ
hassl-3803	171	5	effects	effect	NOUN
hassl-3803	171	6	.	.	PUNCT
hassl-3803	172	1	constructs	construct	VERB
hassl-3803	172	2	path	path	NOUN
hassl-3803	172	3	(	(	PUNCT
hassl-3803	172	4	β	β	NOUN
hassl-3803	172	5	)	)	PUNCT
hassl-3803	172	6	tstatistic	tstatistic	ADJ
hassl-3803	172	7	p	p	ADJ
hassl-3803	172	8	-	-	PUNCT
hassl-3803	172	9	value	value	NOUN
hassl-3803	172	10	ci	ci	NOUN
hassl-3803	172	11	(	(	PUNCT
hassl-3803	172	12	95	95	NUM
hassl-3803	172	13	%	%	NOUN
hassl-3803	172	14	)	)	PUNCT
hassl-3803	172	15	lower	low	ADJ
hassl-3803	172	16	upper	upper	ADJ
hassl-3803	172	17	attitude	attitude	NOUN
hassl-3803	172	18	→	→	SYM
hassl-3803	172	19	behavioral	behavioral	ADJ
hassl-3803	172	20	intention	intention	NOUN
hassl-3803	172	21	0.359	0.359	NUM
hassl-3803	172	22	7.978	7.978	NUM
hassl-3803	172	23	<	<	NOUN
hassl-3803	172	24	0.001	0.001	NUM
hassl-3803	172	25	*	*	NUM
hassl-3803	172	26	0.271	0.271	NUM
hassl-3803	172	27	0.447	0.447	NUM
hassl-3803	172	28	subjective	subjective	ADJ
hassl-3803	172	29	norms	norm	NOUN
hassl-3803	172	30	→	→	PUNCT
hassl-3803	172	31	behavioral	behavioral	ADJ
hassl-3803	172	32	intention	intention	NOUN
hassl-3803	172	33	0.401	0.401	NUM
hassl-3803	172	34	10.282	10.282	NUM
hassl-3803	172	35	<	<	NOUN
hassl-3803	172	36	0.001	0.001	NUM
hassl-3803	172	37	*	*	SYM
hassl-3803	172	38	0.325	0.325	NUM
hassl-3803	172	39	0.477	0.477	NUM
hassl-3803	172	40	perceived	perceive	VERB
hassl-3803	172	41	behavioral	behavioral	ADJ
hassl-3803	172	42	control	control	NOUN
hassl-3803	172	43	→	→	SYM
hassl-3803	172	44	behavioral	behavioral	ADJ
hassl-3803	172	45	intention	intention	NOUN
hassl-3803	172	46	0.627	0.627	NUM
hassl-3803	172	47	14.581	14.581	NUM
hassl-3803	172	48	<	<	X
hassl-3803	172	49	0.001	0.001	NUM
hassl-3803	172	50	*	*	NUM
hassl-3803	172	51	0.543	0.543	NUM
hassl-3803	172	52	0.711	0.711	NUM
hassl-3803	172	53	note	note	NOUN
hassl-3803	172	54	:	:	PUNCT
hassl-3803	172	55	*	*	PUNCT
hassl-3803	172	56	significant	significant	ADJ
hassl-3803	172	57	at	at	ADP
hassl-3803	172	58	five	five	NUM
hassl-3803	172	59	percent	percent	NOUN
hassl-3803	172	60	level	level	NOUN
hassl-3803	172	61	.	.	PUNCT
hassl-3803	173	1	source	source	NOUN
hassl-3803	173	2	:	:	PUNCT
hassl-3803	173	3	analysis	analysis	NOUN
hassl-3803	173	4	results	result	VERB
hassl-3803	173	5	.	.	PUNCT
hassl-3803	174	1	for	for	ADP
hassl-3803	174	2	the	the	DET
hassl-3803	174	3	moderating	moderate	VERB
hassl-3803	174	4	effects	effect	NOUN
hassl-3803	174	5	of	of	ADP
hassl-3803	174	6	quality	quality	NOUN
hassl-3803	174	7	of	of	ADP
hassl-3803	174	8	internet	internet	NOUN
hassl-3803	174	9	access	access	NOUN
hassl-3803	174	10	(	(	PUNCT
hassl-3803	174	11	table	table	NOUN
hassl-3803	174	12	7	7	NUM
hassl-3803	174	13	)	)	PUNCT
hassl-3803	174	14	,	,	PUNCT
hassl-3803	174	15	the	the	DET
hassl-3803	174	16	only	only	ADJ
hassl-3803	174	17	significant	significant	ADJ
hassl-3803	174	18	moderation	moderation	NOUN
hassl-3803	174	19	effect	effect	NOUN
hassl-3803	174	20	(	(	PUNCT
hassl-3803	174	21	β	β	X
hassl-3803	174	22	=	=	SYM
hassl-3803	174	23	0.168	0.168	NUM
hassl-3803	174	24	;	;	PUNCT
hassl-3803	174	25	t	t	NOUN
hassl-3803	174	26	-	-	PUNCT
hassl-3803	174	27	statistic	statistic	NOUN
hassl-3803	174	28	=	=	VERB
hassl-3803	174	29	3.925	3.925	NUM
hassl-3803	174	30	;	;	PUNCT
hassl-3803	174	31	p<0.001	p<0.001	X
hassl-3803	174	32	)	)	PUNCT
hassl-3803	174	33	was	be	AUX
hassl-3803	174	34	on	on	ADP
hassl-3803	174	35	the	the	DET
hassl-3803	174	36	positive	positive	ADJ
hassl-3803	174	37	effect	effect	NOUN
hassl-3803	174	38	of	of	ADP
hassl-3803	174	39	attitude	attitude	NOUN
hassl-3803	174	40	on	on	ADP
hassl-3803	174	41	behavioural	behavioural	ADJ
hassl-3803	174	42	intention	intention	NOUN
hassl-3803	174	43	.	.	PUNCT
hassl-3803	175	1	specifically	specifically	ADV
hassl-3803	175	2	,	,	PUNCT
hassl-3803	175	3	higher	high	ADJ
hassl-3803	175	4	levels	level	NOUN
hassl-3803	175	5	of	of	ADP
hassl-3803	175	6	quality	quality	NOUN
hassl-3803	175	7	internet	internet	NOUN
hassl-3803	175	8	access	access	NOUN
hassl-3803	175	9	positively	positively	ADV
hassl-3803	175	10	moderated	moderate	VERB
hassl-3803	175	11	the	the	DET
hassl-3803	175	12	effect	effect	NOUN
hassl-3803	175	13	of	of	ADP
hassl-3803	175	14	attitude	attitude	NOUN
hassl-3803	175	15	on	on	ADP
hassl-3803	175	16	behavioral	behavioral	ADJ
hassl-3803	175	17	intention	intention	NOUN
hassl-3803	175	18	.	.	PUNCT
hassl-3803	176	1	the	the	DET
hassl-3803	176	2	quality	quality	NOUN
hassl-3803	176	3	of	of	ADP
hassl-3803	176	4	internet	internet	NOUN
hassl-3803	176	5	access	access	NOUN
hassl-3803	176	6	had	have	VERB
hassl-3803	176	7	no	no	DET
hassl-3803	176	8	significant	significant	ADJ
hassl-3803	176	9	moderating	moderate	VERB
hassl-3803	176	10	effect	effect	NOUN
hassl-3803	176	11	on	on	ADP
hassl-3803	176	12	the	the	DET
hassl-3803	176	13	predictive	predictive	ADJ
hassl-3803	176	14	effect	effect	NOUN
hassl-3803	176	15	of	of	ADP
hassl-3803	176	16	subjective	subjective	ADJ
hassl-3803	176	17	norms	norm	NOUN
hassl-3803	176	18	and	and	CCONJ
hassl-3803	176	19	perceived	perceive	VERB
hassl-3803	176	20	behavioural	behavioural	ADJ
hassl-3803	176	21	control	control	NOUN
hassl-3803	176	22	on	on	ADP
hassl-3803	176	23	intention	intention	NOUN
hassl-3803	176	24	.	.	PUNCT
hassl-3803	177	1	for	for	ADP
hassl-3803	177	2	the	the	DET
hassl-3803	177	3	moderating	moderate	VERB
hassl-3803	177	4	effects	effect	NOUN
hassl-3803	177	5	of	of	ADP
hassl-3803	177	6	digital	digital	ADJ
hassl-3803	177	7	skills	skill	NOUN
hassl-3803	177	8	(	(	PUNCT
hassl-3803	177	9	table	table	NOUN
hassl-3803	177	10	8)	8)	NUM
hassl-3803	177	11	,	,	PUNCT
hassl-3803	177	12	a	a	DET
hassl-3803	177	13	significant	significant	ADJ
hassl-3803	177	14	humanities	humanity	NOUN
hassl-3803	177	15	and	and	CCONJ
hassl-3803	177	16	social	social	ADJ
hassl-3803	177	17	sciences	science	NOUN
hassl-3803	177	18	letters	letter	NOUN
hassl-3803	177	19	,	,	PUNCT
hassl-3803	177	20	2024	2024	NUM
hassl-3803	177	21	,	,	PUNCT
hassl-3803	177	22	12(3	12(3	NUM
hassl-3803	177	23	):	):	PUNCT
hassl-3803	177	24	543	543	NUM
hassl-3803	177	25	-	-	SYM
hassl-3803	177	26	555	555	NUM
hassl-3803	177	27	550	550	NUM
hassl-3803	177	28	©	©	PROPN
hassl-3803	177	29	2024	2024	NUM
hassl-3803	177	30	conscientia	conscientia	PROPN
hassl-3803	177	31	beam	beam	PROPN
hassl-3803	177	32	.	.	PUNCT
hassl-3803	178	1	all	all	DET
hassl-3803	178	2	rights	right	NOUN
hassl-3803	178	3	reserved	reserve	VERB
hassl-3803	178	4	.	.	PUNCT
hassl-3803	179	1	moderation	moderation	NOUN
hassl-3803	179	2	effect	effect	NOUN
hassl-3803	179	3	was	be	AUX
hassl-3803	179	4	observed	observe	VERB
hassl-3803	179	5	on	on	ADP
hassl-3803	179	6	the	the	DET
hassl-3803	179	7	positive	positive	ADJ
hassl-3803	179	8	effect	effect	NOUN
hassl-3803	179	9	of	of	ADP
hassl-3803	179	10	attitude	attitude	NOUN
hassl-3803	179	11	(	(	PUNCT
hassl-3803	179	12	β	β	X
hassl-3803	179	13	=	=	SYM
hassl-3803	179	14	0.201	0.201	NUM
hassl-3803	179	15	;	;	PUNCT
hassl-3803	179	16	t	t	NOUN
hassl-3803	179	17	-	-	PUNCT
hassl-3803	179	18	statistic	statistic	NOUN
hassl-3803	179	19	=	=	SYM
hassl-3803	179	20	4.061	4.061	NUM
hassl-3803	179	21	;	;	PUNCT
hassl-3803	179	22	p<0.001	p<0.001	X
hassl-3803	179	23	)	)	PUNCT
hassl-3803	179	24	and	and	CCONJ
hassl-3803	179	25	perceived	perceive	VERB
hassl-3803	179	26	behavioral	behavioral	ADJ
hassl-3803	179	27	control	control	NOUN
hassl-3803	179	28	(	(	PUNCT
hassl-3803	179	29	β	β	X
hassl-3803	179	30	=	=	SYM
hassl-3803	179	31	0.328	0.328	NUM
hassl-3803	179	32	;	;	PUNCT
hassl-3803	179	33	t	t	X
hassl-3803	179	34	-	-	PUNCT
hassl-3803	179	35	statistic	statistic	NOUN
hassl-3803	179	36	=	=	NOUN
hassl-3803	179	37	8.432	8.432	NUM
hassl-3803	179	38	;	;	PUNCT
hassl-3803	179	39	p<0.001	p<0.001	X
hassl-3803	179	40	)	)	PUNCT
hassl-3803	179	41	on	on	ADP
hassl-3803	179	42	behavioural	behavioural	ADJ
hassl-3803	179	43	intention	intention	NOUN
hassl-3803	179	44	.	.	PUNCT
hassl-3803	180	1	higher	high	ADJ
hassl-3803	180	2	levels	level	NOUN
hassl-3803	180	3	of	of	ADP
hassl-3803	180	4	digital	digital	ADJ
hassl-3803	180	5	skills	skill	NOUN
hassl-3803	180	6	positively	positively	ADV
hassl-3803	180	7	moderated	moderate	VERB
hassl-3803	180	8	the	the	DET
hassl-3803	180	9	effects	effect	NOUN
hassl-3803	180	10	of	of	ADP
hassl-3803	180	11	attitude	attitude	NOUN
hassl-3803	180	12	and	and	CCONJ
hassl-3803	180	13	perceived	perceive	VERB
hassl-3803	180	14	behavioral	behavioral	ADJ
hassl-3803	180	15	control	control	NOUN
hassl-3803	180	16	on	on	ADP
hassl-3803	180	17	intention	intention	NOUN
hassl-3803	180	18	.	.	PUNCT
hassl-3803	181	1	all	all	DET
hassl-3803	181	2	the	the	DET
hassl-3803	181	3	predictors	predictor	NOUN
hassl-3803	181	4	together	together	ADV
hassl-3803	181	5	accounted	account	VERB
hassl-3803	181	6	for	for	ADP
hassl-3803	181	7	48.7	48.7	NUM
hassl-3803	181	8	percent	percent	NOUN
hassl-3803	181	9	variation	variation	NOUN
hassl-3803	181	10	in	in	ADP
hassl-3803	181	11	the	the	DET
hassl-3803	181	12	behavioral	behavioral	ADJ
hassl-3803	181	13	intention	intention	NOUN
hassl-3803	181	14	to	to	PART
hassl-3803	181	15	use	use	VERB
hassl-3803	181	16	fintech	fintech	NOUN
hassl-3803	181	17	as	as	SCONJ
hassl-3803	181	18	is	be	AUX
hassl-3803	181	19	revealed	reveal	VERB
hassl-3803	181	20	by	by	ADP
hassl-3803	181	21	the	the	DET
hassl-3803	181	22	r2	r2	PROPN
hassl-3803	181	23	in	in	ADP
hassl-3803	181	24	the	the	DET
hassl-3803	181	25	model	model	NOUN
hassl-3803	181	26	(	(	PUNCT
hassl-3803	181	27	cohen	cohen	PROPN
hassl-3803	181	28	,	,	PUNCT
hassl-3803	181	29	west	west	PROPN
hassl-3803	181	30	,	,	PUNCT
hassl-3803	181	31	cohen	cohen	PROPN
hassl-3803	181	32	,	,	PUNCT
hassl-3803	181	33	&	&	CCONJ
hassl-3803	181	34	aiken	aiken	PROPN
hassl-3803	181	35	,	,	PUNCT
hassl-3803	181	36	2003	2003	NUM
hassl-3803	181	37	)	)	PUNCT
hassl-3803	181	38	.	.	PUNCT
hassl-3803	182	1	table	table	NOUN
hassl-3803	182	2	7	7	NUM
hassl-3803	182	3	.	.	PUNCT
hassl-3803	183	1	moderation	moderation	NOUN
hassl-3803	183	2	effect	effect	NOUN
hassl-3803	183	3	of	of	ADP
hassl-3803	183	4	quality	quality	NOUN
hassl-3803	183	5	of	of	ADP
hassl-3803	183	6	access	access	NOUN
hassl-3803	183	7	to	to	ADP
hassl-3803	183	8	internet	internet	NOUN
hassl-3803	183	9	.	.	PUNCT
hassl-3803	184	1	constructs	construct	VERB
hassl-3803	184	2	path	path	NOUN
hassl-3803	184	3	(	(	PUNCT
hassl-3803	184	4	β	β	NOUN
hassl-3803	184	5	)	)	PUNCT
hassl-3803	184	6	t	t	NOUN
hassl-3803	184	7	-	-	PUNCT
hassl-3803	184	8	statistic	statistic	NOUN
hassl-3803	184	9	pvalue	pvalue	NOUN
hassl-3803	184	10	quality	quality	NOUN
hassl-3803	184	11	of	of	ADP
hassl-3803	184	12	access	access	NOUN
hassl-3803	184	13	to	to	ADP
hassl-3803	184	14	internet	internet	NOUN
hassl-3803	184	15	*	*	PUNCT
hassl-3803	184	16	(	(	PUNCT
hassl-3803	184	17	attitude	attitude	NOUN
hassl-3803	184	18	→	→	SYM
hassl-3803	184	19	behavioral	behavioral	ADJ
hassl-3803	184	20	intention	intention	NOUN
hassl-3803	184	21	)	)	PUNCT
hassl-3803	184	22	0.168	0.168	NUM
hassl-3803	184	23	3.925	3.925	NUM
hassl-3803	184	24	0.000	0.000	NUM
hassl-3803	184	25	*	*	PUNCT
hassl-3803	184	26	quality	quality	NOUN
hassl-3803	184	27	of	of	ADP
hassl-3803	184	28	access	access	NOUN
hassl-3803	184	29	to	to	ADP
hassl-3803	184	30	internet	internet	NOUN
hassl-3803	184	31	*	*	PUNCT
hassl-3803	184	32	(	(	PUNCT
hassl-3803	184	33	subjective	subjective	ADJ
hassl-3803	184	34	norms	norm	NOUN
hassl-3803	184	35	→	→	PUNCT
hassl-3803	184	36	behavioral	behavioral	ADJ
hassl-3803	184	37	intention	intention	NOUN
hassl-3803	184	38	)	)	PUNCT
hassl-3803	184	39	0.035	0.035	NUM
hassl-3803	184	40	0.686	0.686	NUM
hassl-3803	184	41	0.494	0.494	NUM
hassl-3803	184	42	quality	quality	NOUN
hassl-3803	184	43	of	of	ADP
hassl-3803	184	44	access	access	NOUN
hassl-3803	184	45	to	to	ADP
hassl-3803	184	46	internet	internet	NOUN
hassl-3803	184	47	*	*	PUNCT
hassl-3803	184	48	(	(	PUNCT
hassl-3803	184	49	perceived	perceive	VERB
hassl-3803	184	50	behavioral	behavioral	ADJ
hassl-3803	184	51	control	control	NOUN
hassl-3803	184	52	→	→	SYM
hassl-3803	184	53	behavioral	behavioral	ADJ
hassl-3803	184	54	intention	intention	NOUN
hassl-3803	184	55	)	)	PUNCT
hassl-3803	184	56	0.008	0.008	NUM
hassl-3803	184	57	0.170	0.170	NUM
hassl-3803	184	58	0.865	0.865	NUM
hassl-3803	184	59	note	note	NOUN
hassl-3803	184	60	:	:	PUNCT
hassl-3803	184	61	*	*	PUNCT
hassl-3803	184	62	significant	significant	ADJ
hassl-3803	184	63	at	at	ADP
hassl-3803	184	64	five	five	NUM
hassl-3803	184	65	percent	percent	NOUN
hassl-3803	184	66	level	level	NOUN
hassl-3803	184	67	.	.	PUNCT
hassl-3803	185	1	source	source	NOUN
hassl-3803	185	2	:	:	PUNCT
hassl-3803	185	3	analysis	analysis	NOUN
hassl-3803	185	4	results	result	NOUN
hassl-3803	185	5	.	.	PUNCT
hassl-3803	186	1	table	table	NOUN
hassl-3803	186	2	8	8	NUM
hassl-3803	186	3	.	.	PUNCT
hassl-3803	187	1	moderation	moderation	NOUN
hassl-3803	187	2	effect	effect	NOUN
hassl-3803	187	3	of	of	ADP
hassl-3803	187	4	digital	digital	ADJ
hassl-3803	187	5	skills	skill	NOUN
hassl-3803	187	6	.	.	PUNCT
hassl-3803	188	1	constructs	construct	NOUN
hassl-3803	188	2	path	path	NOUN
hassl-3803	188	3	(	(	PUNCT
hassl-3803	188	4	β	β	NOUN
hassl-3803	188	5	)	)	PUNCT
hassl-3803	188	6	tstatistic	tstatistic	ADJ
hassl-3803	188	7	p	p	ADJ
hassl-3803	188	8	-	-	PUNCT
hassl-3803	188	9	value	value	NOUN
hassl-3803	188	10	digital	digital	ADJ
hassl-3803	188	11	skills	skill	NOUN
hassl-3803	188	12	*	*	PUNCT
hassl-3803	188	13	(	(	PUNCT
hassl-3803	188	14	attitude	attitude	NOUN
hassl-3803	188	15	→	→	SYM
hassl-3803	188	16	behavioral	behavioral	ADJ
hassl-3803	188	17	intention	intention	NOUN
hassl-3803	188	18	)	)	PUNCT
hassl-3803	188	19	0.201	0.201	NUM
hassl-3803	188	20	4.061	4.061	NUM
hassl-3803	188	21	0.000	0.000	NUM
hassl-3803	188	22	*	*	PUNCT
hassl-3803	188	23	digital	digital	ADJ
hassl-3803	188	24	skills	skill	NOUN
hassl-3803	188	25	*	*	PUNCT
hassl-3803	188	26	(	(	PUNCT
hassl-3803	188	27	subjective	subjective	ADJ
hassl-3803	188	28	norms	norm	NOUN
hassl-3803	188	29	→	→	PUNCT
hassl-3803	188	30	behavioral	behavioral	ADJ
hassl-3803	188	31	intention	intention	NOUN
hassl-3803	188	32	)	)	PUNCT
hassl-3803	188	33	0.071	0.071	NUM
hassl-3803	188	34	1.363	1.363	NUM
hassl-3803	188	35	0.173	0.173	NUM
hassl-3803	188	36	digital	digital	ADJ
hassl-3803	188	37	skills	skill	NOUN
hassl-3803	188	38	*	*	PUNCT
hassl-3803	188	39	(	(	PUNCT
hassl-3803	188	40	perceived	perceive	VERB
hassl-3803	188	41	behavioral	behavioral	ADJ
hassl-3803	188	42	control	control	NOUN
hassl-3803	188	43	→	→	SYM
hassl-3803	188	44	behavioral	behavioral	ADJ
hassl-3803	188	45	intention	intention	NOUN
hassl-3803	188	46	)	)	PUNCT
hassl-3803	188	47	0.328	0.328	NUM
hassl-3803	188	48	8.432	8.432	NUM
hassl-3803	188	49	0.000	0.000	NUM
hassl-3803	188	50	*	*	PUNCT
hassl-3803	188	51	note	note	NOUN
hassl-3803	188	52	:	:	PUNCT
hassl-3803	188	53	*	*	PUNCT
hassl-3803	188	54	significant	significant	ADJ
hassl-3803	188	55	at	at	ADP
hassl-3803	188	56	five	five	NUM
hassl-3803	188	57	percent	percent	NOUN
hassl-3803	188	58	level	level	NOUN
hassl-3803	188	59	.	.	PUNCT
hassl-3803	189	1	source	source	NOUN
hassl-3803	189	2	:	:	PUNCT
hassl-3803	189	3	analysis	analysis	NOUN
hassl-3803	189	4	results	result	NOUN
hassl-3803	189	5	.	.	PUNCT
hassl-3803	190	1	6	6	X
hassl-3803	190	2	.	.	X
hassl-3803	190	3	discussion	discussion	NOUN
hassl-3803	190	4	the	the	DET
hassl-3803	190	5	study	study	NOUN
hassl-3803	190	6	's	's	PART
hassl-3803	190	7	findings	finding	NOUN
hassl-3803	190	8	confirmed	confirm	VERB
hassl-3803	190	9	the	the	DET
hassl-3803	190	10	predictive	predictive	ADJ
hassl-3803	190	11	role	role	NOUN
hassl-3803	190	12	of	of	ADP
hassl-3803	190	13	attitude	attitude	NOUN
hassl-3803	190	14	,	,	PUNCT
hassl-3803	190	15	subjective	subjective	ADJ
hassl-3803	190	16	norms	norm	NOUN
hassl-3803	190	17	,	,	PUNCT
hassl-3803	190	18	and	and	CCONJ
hassl-3803	190	19	perceived	perceive	VERB
hassl-3803	190	20	behavioral	behavioral	ADJ
hassl-3803	190	21	control	control	NOUN
hassl-3803	190	22	on	on	ADP
hassl-3803	190	23	individuals	individual	NOUN
hassl-3803	190	24	'	'	PART
hassl-3803	190	25	behavioral	behavioral	ADJ
hassl-3803	190	26	intentions	intention	NOUN
hassl-3803	190	27	in	in	ADP
hassl-3803	190	28	the	the	DET
hassl-3803	190	29	theory	theory	NOUN
hassl-3803	190	30	of	of	ADP
hassl-3803	190	31	planned	plan	VERB
hassl-3803	190	32	behavior	behavior	NOUN
hassl-3803	190	33	.	.	PUNCT
hassl-3803	191	1	using	use	VERB
hassl-3803	191	2	the	the	DET
hassl-3803	191	3	theory	theory	NOUN
hassl-3803	191	4	,	,	PUNCT
hassl-3803	191	5	we	we	PRON
hassl-3803	191	6	examined	examine	VERB
hassl-3803	191	7	the	the	DET
hassl-3803	191	8	effect	effect	NOUN
hassl-3803	191	9	of	of	ADP
hassl-3803	191	10	an	an	DET
hassl-3803	191	11	individual	individual	NOUN
hassl-3803	191	12	's	's	PART
hassl-3803	191	13	attitude	attitude	NOUN
hassl-3803	191	14	towards	towards	ADP
hassl-3803	191	15	technology	technology	NOUN
hassl-3803	191	16	in	in	ADP
hassl-3803	191	17	financial	financial	ADJ
hassl-3803	191	18	services	service	NOUN
hassl-3803	191	19	,	,	PUNCT
hassl-3803	191	20	subjective	subjective	ADJ
hassl-3803	191	21	norms	norm	NOUN
hassl-3803	191	22	,	,	PUNCT
hassl-3803	191	23	and	and	CCONJ
hassl-3803	191	24	perceived	perceive	VERB
hassl-3803	191	25	behaviour	behaviour	NOUN
hassl-3803	191	26	control	control	NOUN
hassl-3803	191	27	on	on	ADP
hassl-3803	191	28	the	the	DET
hassl-3803	191	29	behavioural	behavioural	ADJ
hassl-3803	191	30	intention	intention	NOUN
hassl-3803	191	31	of	of	ADP
hassl-3803	191	32	individuals	individual	NOUN
hassl-3803	191	33	to	to	PART
hassl-3803	191	34	use	use	VERB
hassl-3803	191	35	fintech	fintech	NOUN
hassl-3803	191	36	services	service	NOUN
hassl-3803	191	37	.	.	PUNCT
hassl-3803	192	1	we	we	PRON
hassl-3803	192	2	found	find	VERB
hassl-3803	192	3	all	all	DET
hassl-3803	192	4	predictors	predictor	NOUN
hassl-3803	192	5	to	to	PART
hassl-3803	192	6	be	be	AUX
hassl-3803	192	7	significant	significant	ADJ
hassl-3803	192	8	and	and	CCONJ
hassl-3803	192	9	positive	positive	ADJ
hassl-3803	192	10	determinants	determinant	NOUN
hassl-3803	192	11	of	of	ADP
hassl-3803	192	12	behavioral	behavioral	ADJ
hassl-3803	192	13	intention	intention	NOUN
hassl-3803	192	14	.	.	PUNCT
hassl-3803	193	1	the	the	DET
hassl-3803	193	2	effect	effect	NOUN
hassl-3803	193	3	of	of	ADP
hassl-3803	193	4	subjective	subjective	ADJ
hassl-3803	193	5	norms	norm	NOUN
hassl-3803	193	6	on	on	ADP
hassl-3803	193	7	intention	intention	NOUN
hassl-3803	193	8	to	to	PART
hassl-3803	193	9	use	use	VERB
hassl-3803	193	10	fintech	fintech	NOUN
hassl-3803	193	11	services	service	NOUN
hassl-3803	193	12	is	be	AUX
hassl-3803	193	13	particularly	particularly	ADV
hassl-3803	193	14	important	important	ADJ
hassl-3803	193	15	in	in	ADP
hassl-3803	193	16	india	india	PROPN
hassl-3803	193	17	,	,	PUNCT
hassl-3803	193	18	where	where	SCONJ
hassl-3803	193	19	rapid	rapid	ADJ
hassl-3803	193	20	digitization	digitization	NOUN
hassl-3803	193	21	and	and	CCONJ
hassl-3803	193	22	technology	technology	NOUN
hassl-3803	193	23	-	-	PUNCT
hassl-3803	193	24	based	base	VERB
hassl-3803	193	25	banking	banking	NOUN
hassl-3803	193	26	service	service	NOUN
hassl-3803	193	27	delivery	delivery	NOUN
hassl-3803	193	28	are	be	AUX
hassl-3803	193	29	gaining	gain	VERB
hassl-3803	193	30	momentum	momentum	NOUN
hassl-3803	193	31	.	.	PUNCT
hassl-3803	194	1	even	even	ADV
hassl-3803	194	2	in	in	ADP
hassl-3803	194	3	cases	case	NOUN
hassl-3803	194	4	where	where	SCONJ
hassl-3803	194	5	people	people	NOUN
hassl-3803	194	6	are	be	AUX
hassl-3803	194	7	not	not	PART
hassl-3803	194	8	very	very	ADV
hassl-3803	194	9	familiar	familiar	ADJ
hassl-3803	194	10	with	with	ADP
hassl-3803	194	11	using	use	VERB
hassl-3803	194	12	technology	technology	NOUN
hassl-3803	194	13	-	-	PUNCT
hassl-3803	194	14	based	base	VERB
hassl-3803	194	15	services	service	NOUN
hassl-3803	194	16	on	on	ADP
hassl-3803	194	17	a	a	DET
hassl-3803	194	18	daily	daily	ADJ
hassl-3803	194	19	basis	basis	NOUN
hassl-3803	194	20	,	,	PUNCT
hassl-3803	194	21	the	the	DET
hassl-3803	194	22	effect	effect	NOUN
hassl-3803	194	23	on	on	ADP
hassl-3803	194	24	their	their	PRON
hassl-3803	194	25	intention	intention	NOUN
hassl-3803	194	26	to	to	PART
hassl-3803	194	27	use	use	VERB
hassl-3803	194	28	technology	technology	NOUN
hassl-3803	194	29	can	can	AUX
hassl-3803	194	30	be	be	AUX
hassl-3803	194	31	enormous	enormous	ADJ
hassl-3803	194	32	.	.	PUNCT
hassl-3803	195	1	in	in	ADP
hassl-3803	195	2	peer	peer	NOUN
hassl-3803	195	3	and	and	CCONJ
hassl-3803	195	4	family	family	NOUN
hassl-3803	195	5	circles	circle	NOUN
hassl-3803	195	6	,	,	PUNCT
hassl-3803	195	7	the	the	DET
hassl-3803	195	8	people	people	NOUN
hassl-3803	195	9	that	that	PRON
hassl-3803	195	10	are	be	AUX
hassl-3803	195	11	important	important	ADJ
hassl-3803	195	12	to	to	ADP
hassl-3803	195	13	young	young	ADJ
hassl-3803	195	14	individuals	individual	NOUN
hassl-3803	195	15	play	play	VERB
hassl-3803	195	16	a	a	DET
hassl-3803	195	17	vital	vital	ADJ
hassl-3803	195	18	role	role	NOUN
hassl-3803	195	19	in	in	ADP
hassl-3803	195	20	enhancing	enhance	VERB
hassl-3803	195	21	their	their	PRON
hassl-3803	195	22	intention	intention	NOUN
hassl-3803	195	23	to	to	PART
hassl-3803	195	24	adopt	adopt	VERB
hassl-3803	195	25	technology	technology	NOUN
hassl-3803	195	26	through	through	ADP
hassl-3803	195	27	their	their	PRON
hassl-3803	195	28	support	support	NOUN
hassl-3803	195	29	and	and	CCONJ
hassl-3803	195	30	encouragement	encouragement	NOUN
hassl-3803	195	31	.	.	PUNCT
hassl-3803	195	32	.	.	PUNCT
hassl-3803	196	1	in	in	ADP
hassl-3803	196	2	many	many	ADJ
hassl-3803	196	3	cases	case	NOUN
hassl-3803	196	4	,	,	PUNCT
hassl-3803	196	5	the	the	DET
hassl-3803	196	6	immediate	immediate	ADJ
hassl-3803	196	7	circle	circle	NOUN
hassl-3803	196	8	of	of	ADP
hassl-3803	196	9	important	important	ADJ
hassl-3803	196	10	people	people	NOUN
hassl-3803	196	11	may	may	AUX
hassl-3803	196	12	prove	prove	VERB
hassl-3803	196	13	to	to	PART
hassl-3803	196	14	be	be	AUX
hassl-3803	196	15	a	a	DET
hassl-3803	196	16	source	source	NOUN
hassl-3803	196	17	of	of	ADP
hassl-3803	196	18	normative	normative	ADJ
hassl-3803	196	19	expectation	expectation	NOUN
hassl-3803	196	20	for	for	ADP
hassl-3803	196	21	the	the	DET
hassl-3803	196	22	young	young	ADJ
hassl-3803	196	23	working	working	NOUN
hassl-3803	196	24	class	class	NOUN
hassl-3803	196	25	,	,	PUNCT
hassl-3803	196	26	where	where	SCONJ
hassl-3803	196	27	the	the	DET
hassl-3803	196	28	group	group	NOUN
hassl-3803	196	29	expects	expect	VERB
hassl-3803	196	30	young	young	ADJ
hassl-3803	196	31	individuals	individual	NOUN
hassl-3803	196	32	to	to	PART
hassl-3803	196	33	use	use	VERB
hassl-3803	196	34	financial	financial	ADJ
hassl-3803	196	35	technology	technology	NOUN
hassl-3803	196	36	.	.	PUNCT
hassl-3803	197	1	this	this	PRON
hassl-3803	197	2	is	be	AUX
hassl-3803	197	3	evident	evident	ADJ
hassl-3803	197	4	when	when	SCONJ
hassl-3803	197	5	young	young	ADJ
hassl-3803	197	6	people	people	NOUN
hassl-3803	197	7	find	find	VERB
hassl-3803	197	8	it	it	PRON
hassl-3803	197	9	very	very	ADV
hassl-3803	197	10	rewarding	rewarding	ADJ
hassl-3803	197	11	to	to	PART
hassl-3803	197	12	check	check	VERB
hassl-3803	197	13	their	their	PRON
hassl-3803	197	14	cibil	cibil	NOUN
hassl-3803	197	15	(	(	PUNCT
hassl-3803	197	16	credit	credit	NOUN
hassl-3803	197	17	information	information	NOUN
hassl-3803	197	18	bureau	bureau	PROPN
hassl-3803	197	19	(	(	PUNCT
hassl-3803	197	20	india	india	PROPN
hassl-3803	197	21	)	)	PUNCT
hassl-3803	197	22	limited	limit	VERB
hassl-3803	197	23	,	,	PUNCT
hassl-3803	197	24	which	which	PRON
hassl-3803	197	25	is	be	AUX
hassl-3803	197	26	an	an	DET
hassl-3803	197	27	individual	individual	NOUN
hassl-3803	197	28	's	's	PART
hassl-3803	197	29	credit	credit	NOUN
hassl-3803	197	30	score	score	NOUN
hassl-3803	197	31	that	that	PRON
hassl-3803	197	32	financial	financial	ADJ
hassl-3803	197	33	institutions	institution	NOUN
hassl-3803	197	34	use	use	VERB
hassl-3803	197	35	to	to	PART
hassl-3803	197	36	evaluate	evaluate	VERB
hassl-3803	197	37	credit	credit	NOUN
hassl-3803	197	38	applications	application	NOUN
hassl-3803	197	39	in	in	ADP
hassl-3803	197	40	india	india	PROPN
hassl-3803	197	41	)	)	PUNCT
hassl-3803	197	42	score	score	NOUN
hassl-3803	197	43	through	through	ADP
hassl-3803	197	44	mobile	mobile	ADJ
hassl-3803	197	45	payment	payment	NOUN
hassl-3803	197	46	platforms	platform	NOUN
hassl-3803	197	47	,	,	PUNCT
hassl-3803	197	48	which	which	PRON
hassl-3803	197	49	was	be	AUX
hassl-3803	197	50	never	never	ADV
hassl-3803	197	51	possible	possible	ADJ
hassl-3803	197	52	before	before	ADV
hassl-3803	197	53	.	.	PUNCT
hassl-3803	198	1	moreover	moreover	ADV
hassl-3803	198	2	,	,	PUNCT
hassl-3803	198	3	the	the	DET
hassl-3803	198	4	rapid	rapid	ADJ
hassl-3803	198	5	move	move	NOUN
hassl-3803	198	6	towards	towards	ADP
hassl-3803	198	7	digital	digital	ADJ
hassl-3803	198	8	services	service	NOUN
hassl-3803	198	9	can	can	AUX
hassl-3803	198	10	serve	serve	VERB
hassl-3803	198	11	as	as	ADP
hassl-3803	198	12	a	a	DET
hassl-3803	198	13	factor	factor	NOUN
hassl-3803	198	14	in	in	ADP
hassl-3803	198	15	developing	develop	VERB
hassl-3803	198	16	positive	positive	ADJ
hassl-3803	198	17	attitudes	attitude	NOUN
hassl-3803	198	18	towards	towards	ADP
hassl-3803	198	19	people	people	NOUN
hassl-3803	198	20	’s	’s	PART
hassl-3803	198	21	intentions	intention	NOUN
hassl-3803	198	22	to	to	PART
hassl-3803	198	23	use	use	VERB
hassl-3803	198	24	fintech	fintech	NOUN
hassl-3803	198	25	services	service	NOUN
hassl-3803	198	26	.	.	PUNCT
hassl-3803	199	1	such	such	ADJ
hassl-3803	199	2	positive	positive	ADJ
hassl-3803	199	3	attitudes	attitude	NOUN
hassl-3803	199	4	do	do	AUX
hassl-3803	199	5	not	not	PART
hassl-3803	199	6	necessarily	necessarily	ADV
hassl-3803	199	7	come	come	VERB
hassl-3803	199	8	from	from	ADP
hassl-3803	199	9	good	good	ADJ
hassl-3803	199	10	and	and	CCONJ
hassl-3803	199	11	long	long	ADJ
hassl-3803	199	12	-	-	PUNCT
hassl-3803	199	13	term	term	NOUN
hassl-3803	199	14	experiences	experience	NOUN
hassl-3803	199	15	with	with	ADP
hassl-3803	199	16	using	use	VERB
hassl-3803	199	17	technology	technology	NOUN
hassl-3803	199	18	on	on	ADP
hassl-3803	199	19	a	a	DET
hassl-3803	199	20	daily	daily	ADJ
hassl-3803	199	21	basis	basis	NOUN
hassl-3803	199	22	.	.	PUNCT
hassl-3803	200	1	even	even	ADV
hassl-3803	200	2	people	people	NOUN
hassl-3803	200	3	with	with	ADP
hassl-3803	200	4	less	less	ADJ
hassl-3803	200	5	experience	experience	NOUN
hassl-3803	200	6	can	can	AUX
hassl-3803	200	7	develop	develop	VERB
hassl-3803	200	8	positive	positive	ADJ
hassl-3803	200	9	attitudes	attitude	NOUN
hassl-3803	200	10	,	,	PUNCT
hassl-3803	200	11	particularly	particularly	ADV
hassl-3803	200	12	where	where	SCONJ
hassl-3803	200	13	physical	physical	ADJ
hassl-3803	200	14	banking	banking	NOUN
hassl-3803	200	15	outlets	outlet	NOUN
hassl-3803	200	16	and	and	CCONJ
hassl-3803	200	17	their	their	PRON
hassl-3803	200	18	services	service	NOUN
hassl-3803	200	19	are	be	AUX
hassl-3803	200	20	geographically	geographically	ADV
hassl-3803	200	21	scattered	scatter	VERB
hassl-3803	200	22	and	and	CCONJ
hassl-3803	200	23	difficult	difficult	ADJ
hassl-3803	200	24	to	to	PART
hassl-3803	200	25	access	access	VERB
hassl-3803	200	26	.	.	PUNCT
hassl-3803	201	1	on	on	ADP
hassl-3803	201	2	the	the	DET
hassl-3803	201	3	other	other	ADJ
hassl-3803	201	4	hand	hand	NOUN
hassl-3803	201	5	,	,	PUNCT
hassl-3803	201	6	a	a	DET
hassl-3803	201	7	positive	positive	ADJ
hassl-3803	201	8	attitude	attitude	NOUN
hassl-3803	201	9	may	may	AUX
hassl-3803	201	10	find	find	VERB
hassl-3803	201	11	its	its	PRON
hassl-3803	201	12	root	root	NOUN
hassl-3803	201	13	in	in	ADP
hassl-3803	201	14	the	the	DET
hassl-3803	201	15	perceived	perceive	VERB
hassl-3803	201	16	value	value	NOUN
hassl-3803	201	17	that	that	PRON
hassl-3803	201	18	an	an	DET
hassl-3803	201	19	individual	individual	NOUN
hassl-3803	201	20	can	can	AUX
hassl-3803	201	21	associate	associate	VERB
hassl-3803	201	22	with	with	ADP
hassl-3803	201	23	the	the	DET
hassl-3803	201	24	use	use	NOUN
hassl-3803	201	25	of	of	ADP
hassl-3803	201	26	technology	technology	NOUN
hassl-3803	201	27	-	-	PUNCT
hassl-3803	201	28	based	base	VERB
hassl-3803	201	29	financial	financial	ADJ
hassl-3803	201	30	services	service	NOUN
hassl-3803	201	31	.	.	PUNCT
hassl-3803	202	1	with	with	ADP
hassl-3803	202	2	experiences	experience	NOUN
hassl-3803	202	3	gained	gain	VERB
hassl-3803	202	4	regarding	regard	VERB
hassl-3803	202	5	the	the	DET
hassl-3803	202	6	significant	significant	ADJ
hassl-3803	202	7	benefits	benefit	NOUN
hassl-3803	202	8	of	of	ADP
hassl-3803	202	9	using	use	VERB
hassl-3803	202	10	technology	technology	NOUN
hassl-3803	202	11	,	,	PUNCT
hassl-3803	202	12	the	the	DET
hassl-3803	202	13	positive	positive	ADJ
hassl-3803	202	14	attitude	attitude	NOUN
hassl-3803	202	15	ultimately	ultimately	ADV
hassl-3803	202	16	becomes	become	VERB
hassl-3803	202	17	a	a	DET
hassl-3803	202	18	source	source	NOUN
hassl-3803	202	19	of	of	ADP
hassl-3803	202	20	influence	influence	NOUN
hassl-3803	202	21	to	to	PART
hassl-3803	202	22	use	use	VERB
hassl-3803	202	23	such	such	ADJ
hassl-3803	202	24	technology	technology	NOUN
hassl-3803	202	25	in	in	ADP
hassl-3803	202	26	the	the	DET
hassl-3803	202	27	future	future	NOUN
hassl-3803	202	28	.	.	PUNCT
hassl-3803	203	1	young	young	ADJ
hassl-3803	203	2	users	user	NOUN
hassl-3803	203	3	of	of	ADP
hassl-3803	203	4	technology	technology	NOUN
hassl-3803	203	5	also	also	ADV
hassl-3803	203	6	significantly	significantly	ADV
hassl-3803	203	7	contribute	contribute	VERB
hassl-3803	203	8	to	to	ADP
hassl-3803	203	9	the	the	DET
hassl-3803	203	10	development	development	NOUN
hassl-3803	203	11	of	of	ADP
hassl-3803	203	12	positive	positive	ADJ
hassl-3803	203	13	attitudes	attitude	NOUN
hassl-3803	203	14	through	through	ADP
hassl-3803	203	15	cognitive	cognitive	ADJ
hassl-3803	203	16	and	and	CCONJ
hassl-3803	203	17	affective	affective	ADJ
hassl-3803	203	18	feelings	feeling	NOUN
hassl-3803	203	19	.	.	PUNCT
hassl-3803	204	1	not	not	PART
hassl-3803	204	2	only	only	ADV
hassl-3803	204	3	the	the	DET
hassl-3803	204	4	rational	rational	ADJ
hassl-3803	204	5	component	component	NOUN
hassl-3803	204	6	of	of	ADP
hassl-3803	204	7	humanities	humanity	NOUN
hassl-3803	204	8	and	and	CCONJ
hassl-3803	204	9	social	social	ADJ
hassl-3803	204	10	sciences	science	NOUN
hassl-3803	204	11	letters	letter	NOUN
hassl-3803	204	12	,	,	PUNCT
hassl-3803	204	13	2024	2024	NUM
hassl-3803	204	14	,	,	PUNCT
hassl-3803	204	15	12(3	12(3	NUM
hassl-3803	204	16	):	):	PUNCT
hassl-3803	204	17	543	543	NUM
hassl-3803	204	18	-	-	SYM
hassl-3803	204	19	555	555	NUM
hassl-3803	204	20	551	551	NUM
hassl-3803	204	21	©	©	ADP
hassl-3803	204	22	2024	2024	NUM
hassl-3803	204	23	conscientia	conscientia	PROPN
hassl-3803	204	24	beam	beam	PROPN
hassl-3803	204	25	.	.	PUNCT
hassl-3803	205	1	all	all	DET
hassl-3803	205	2	rights	right	NOUN
hassl-3803	205	3	reserved	reserve	VERB
hassl-3803	205	4	.	.	PUNCT
hassl-3803	206	1	using	use	VERB
hassl-3803	206	2	technology	technology	NOUN
hassl-3803	206	3	,	,	PUNCT
hassl-3803	206	4	but	but	CCONJ
hassl-3803	206	5	the	the	DET
hassl-3803	206	6	emotional	emotional	ADJ
hassl-3803	206	7	satisfaction	satisfaction	NOUN
hassl-3803	206	8	or	or	CCONJ
hassl-3803	206	9	enjoyment	enjoyment	NOUN
hassl-3803	206	10	of	of	ADP
hassl-3803	206	11	doing	do	VERB
hassl-3803	206	12	so	so	ADV
hassl-3803	206	13	may	may	AUX
hassl-3803	206	14	also	also	ADV
hassl-3803	206	15	influence	influence	VERB
hassl-3803	206	16	their	their	PRON
hassl-3803	206	17	decisions	decision	NOUN
hassl-3803	206	18	to	to	PART
hassl-3803	206	19	use	use	VERB
hassl-3803	206	20	technology	technology	NOUN
hassl-3803	206	21	in	in	ADP
hassl-3803	206	22	the	the	DET
hassl-3803	206	23	future	future	NOUN
hassl-3803	206	24	.	.	PUNCT
hassl-3803	207	1	in	in	ADP
hassl-3803	207	2	a	a	DET
hassl-3803	207	3	developing	develop	VERB
hassl-3803	207	4	country	country	NOUN
hassl-3803	207	5	like	like	ADP
hassl-3803	207	6	india	india	PROPN
hassl-3803	207	7	,	,	PUNCT
hassl-3803	207	8	the	the	DET
hassl-3803	207	9	digitization	digitization	NOUN
hassl-3803	207	10	of	of	ADP
hassl-3803	207	11	services	service	NOUN
hassl-3803	207	12	has	have	AUX
hassl-3803	207	13	spread	spread	VERB
hassl-3803	207	14	to	to	ADP
hassl-3803	207	15	almost	almost	ADV
hassl-3803	207	16	all	all	DET
hassl-3803	207	17	spheres	sphere	NOUN
hassl-3803	207	18	of	of	ADP
hassl-3803	207	19	human	human	ADJ
hassl-3803	207	20	life	life	NOUN
hassl-3803	207	21	.	.	PUNCT
hassl-3803	208	1	people	people	NOUN
hassl-3803	208	2	from	from	ADP
hassl-3803	208	3	all	all	DET
hassl-3803	208	4	walks	walk	NOUN
hassl-3803	208	5	of	of	ADP
hassl-3803	208	6	life	life	NOUN
hassl-3803	208	7	,	,	PUNCT
hassl-3803	208	8	and	and	CCONJ
hassl-3803	208	9	the	the	DET
hassl-3803	208	10	young	young	ADJ
hassl-3803	208	11	working	work	VERB
hassl-3803	208	12	population	population	NOUN
hassl-3803	208	13	in	in	ADP
hassl-3803	208	14	particular	particular	ADJ
hassl-3803	208	15	,	,	PUNCT
hassl-3803	208	16	are	be	AUX
hassl-3803	208	17	gaining	gain	VERB
hassl-3803	208	18	more	more	ADJ
hassl-3803	208	19	and	and	CCONJ
hassl-3803	208	20	more	more	ADJ
hassl-3803	208	21	experience	experience	NOUN
hassl-3803	208	22	and	and	CCONJ
hassl-3803	208	23	exposure	exposure	NOUN
hassl-3803	208	24	to	to	ADP
hassl-3803	208	25	getting	get	VERB
hassl-3803	208	26	their	their	PRON
hassl-3803	208	27	daily	daily	ADJ
hassl-3803	208	28	needs	need	NOUN
hassl-3803	208	29	done	do	VERB
hassl-3803	208	30	through	through	ADP
hassl-3803	208	31	electronic	electronic	ADJ
hassl-3803	208	32	means	mean	NOUN
hassl-3803	208	33	.	.	PUNCT
hassl-3803	209	1	the	the	PRON
hassl-3803	209	2	faster	fast	ADV
hassl-3803	209	3	they	they	PRON
hassl-3803	209	4	gain	gain	VERB
hassl-3803	209	5	experience	experience	NOUN
hassl-3803	209	6	,	,	PUNCT
hassl-3803	209	7	the	the	PRON
hassl-3803	209	8	more	more	ADV
hassl-3803	209	9	confident	confident	ADJ
hassl-3803	209	10	they	they	PRON
hassl-3803	209	11	are	be	AUX
hassl-3803	209	12	that	that	SCONJ
hassl-3803	209	13	they	they	PRON
hassl-3803	209	14	can	can	AUX
hassl-3803	209	15	easily	easily	ADV
hassl-3803	209	16	complete	complete	VERB
hassl-3803	209	17	their	their	PRON
hassl-3803	209	18	digital	digital	ADJ
hassl-3803	209	19	tasks	task	NOUN
hassl-3803	209	20	.	.	PUNCT
hassl-3803	210	1	thus	thus	ADV
hassl-3803	210	2	,	,	PUNCT
hassl-3803	210	3	it	it	PRON
hassl-3803	210	4	is	be	AUX
hassl-3803	210	5	not	not	PART
hassl-3803	210	6	surprising	surprising	ADJ
hassl-3803	210	7	that	that	SCONJ
hassl-3803	210	8	in	in	ADP
hassl-3803	210	9	india	india	PROPN
hassl-3803	210	10	,	,	PUNCT
hassl-3803	210	11	the	the	DET
hassl-3803	210	12	working	work	VERB
hassl-3803	210	13	young	young	ADJ
hassl-3803	210	14	class	class	NOUN
hassl-3803	210	15	exhibits	exhibit	VERB
hassl-3803	210	16	high	high	ADJ
hassl-3803	210	17	levels	level	NOUN
hassl-3803	210	18	of	of	ADP
hassl-3803	210	19	behavioural	behavioural	ADJ
hassl-3803	210	20	control	control	NOUN
hassl-3803	210	21	in	in	ADP
hassl-3803	210	22	the	the	DET
hassl-3803	210	23	use	use	NOUN
hassl-3803	210	24	of	of	ADP
hassl-3803	210	25	financial	financial	ADJ
hassl-3803	210	26	technology	technology	NOUN
hassl-3803	210	27	services	service	NOUN
hassl-3803	210	28	.	.	PUNCT
hassl-3803	211	1	conversely	conversely	ADV
hassl-3803	211	2	,	,	PUNCT
hassl-3803	211	3	teo	teo	PROPN
hassl-3803	211	4	and	and	CCONJ
hassl-3803	211	5	lee	lee	PROPN
hassl-3803	211	6	(	(	PUNCT
hassl-3803	211	7	2010	2010	NUM
hassl-3803	211	8	)	)	PUNCT
hassl-3803	211	9	found	find	VERB
hassl-3803	211	10	that	that	SCONJ
hassl-3803	211	11	behavior	behavior	NOUN
hassl-3803	211	12	control	control	NOUN
hassl-3803	211	13	was	be	AUX
hassl-3803	211	14	not	not	PART
hassl-3803	211	15	an	an	DET
hassl-3803	211	16	important	important	ADJ
hassl-3803	211	17	predictor	predictor	NOUN
hassl-3803	211	18	of	of	ADP
hassl-3803	211	19	technology	technology	NOUN
hassl-3803	211	20	use	use	NOUN
hassl-3803	211	21	among	among	ADP
hassl-3803	211	22	student	student	NOUN
hassl-3803	211	23	teachers	teacher	NOUN
hassl-3803	211	24	.	.	PUNCT
hassl-3803	212	1	young	young	ADJ
hassl-3803	212	2	workers	worker	NOUN
hassl-3803	212	3	may	may	AUX
hassl-3803	212	4	even	even	ADV
hassl-3803	212	5	be	be	AUX
hassl-3803	212	6	confident	confident	ADJ
hassl-3803	212	7	enough	enough	ADV
hassl-3803	212	8	to	to	PART
hassl-3803	212	9	prefer	prefer	VERB
hassl-3803	212	10	digital	digital	ADJ
hassl-3803	212	11	financial	financial	ADJ
hassl-3803	212	12	services	service	NOUN
hassl-3803	212	13	over	over	ADP
hassl-3803	212	14	traditional	traditional	ADJ
hassl-3803	212	15	over	over	ADP
hassl-3803	212	16	-	-	PUNCT
hassl-3803	212	17	the	the	DET
hassl-3803	212	18	-	-	PUNCT
hassl-3803	212	19	counter	counter	NOUN
hassl-3803	212	20	services	service	NOUN
hassl-3803	212	21	.	.	PUNCT
hassl-3803	213	1	young	young	ADJ
hassl-3803	213	2	individuals	individual	NOUN
hassl-3803	213	3	may	may	AUX
hassl-3803	213	4	also	also	ADV
hassl-3803	213	5	feel	feel	VERB
hassl-3803	213	6	that	that	SCONJ
hassl-3803	213	7	they	they	PRON
hassl-3803	213	8	are	be	AUX
hassl-3803	213	9	capable	capable	ADJ
hassl-3803	213	10	of	of	ADP
hassl-3803	213	11	managing	manage	VERB
hassl-3803	213	12	the	the	DET
hassl-3803	213	13	complex	complex	ADJ
hassl-3803	213	14	nature	nature	NOUN
hassl-3803	213	15	and	and	CCONJ
hassl-3803	213	16	features	feature	NOUN
hassl-3803	213	17	of	of	ADP
hassl-3803	213	18	technology	technology	NOUN
hassl-3803	213	19	.	.	PUNCT
hassl-3803	214	1	when	when	SCONJ
hassl-3803	214	2	they	they	PRON
hassl-3803	214	3	are	be	AUX
hassl-3803	214	4	confident	confident	ADJ
hassl-3803	214	5	that	that	SCONJ
hassl-3803	214	6	these	these	DET
hassl-3803	214	7	services	service	NOUN
hassl-3803	214	8	are	be	AUX
hassl-3803	214	9	consistent	consistent	ADJ
hassl-3803	214	10	with	with	ADP
hassl-3803	214	11	their	their	PRON
hassl-3803	214	12	financial	financial	ADJ
hassl-3803	214	13	requirements	requirement	NOUN
hassl-3803	214	14	,	,	PUNCT
hassl-3803	214	15	they	they	PRON
hassl-3803	214	16	develop	develop	VERB
hassl-3803	214	17	positive	positive	ADJ
hassl-3803	214	18	intentions	intention	NOUN
hassl-3803	214	19	towards	towards	ADP
hassl-3803	214	20	active	active	ADJ
hassl-3803	214	21	use	use	NOUN
hassl-3803	214	22	.	.	PUNCT
hassl-3803	215	1	furthermore	furthermore	ADV
hassl-3803	215	2	,	,	PUNCT
hassl-3803	215	3	as	as	SCONJ
hassl-3803	215	4	their	their	PRON
hassl-3803	215	5	usage	usage	NOUN
hassl-3803	215	6	increases	increase	NOUN
hassl-3803	215	7	and	and	CCONJ
hassl-3803	215	8	their	their	PRON
hassl-3803	215	9	actual	actual	ADJ
hassl-3803	215	10	experiences	experience	NOUN
hassl-3803	215	11	surpass	surpass	VERB
hassl-3803	215	12	their	their	PRON
hassl-3803	215	13	perceptions	perception	NOUN
hassl-3803	215	14	,	,	PUNCT
hassl-3803	215	15	their	their	PRON
hassl-3803	215	16	positive	positive	ADJ
hassl-3803	215	17	affinity	affinity	NOUN
hassl-3803	215	18	for	for	ADP
hassl-3803	215	19	technology	technology	NOUN
hassl-3803	215	20	-	-	PUNCT
hassl-3803	215	21	based	base	VERB
hassl-3803	215	22	financial	financial	ADJ
hassl-3803	215	23	services	service	NOUN
hassl-3803	215	24	may	may	AUX
hassl-3803	215	25	strengthen	strengthen	VERB
hassl-3803	215	26	..	..	PUNCT
hassl-3803	215	27	one	one	NUM
hassl-3803	215	28	very	very	ADV
hassl-3803	215	29	important	important	ADJ
hassl-3803	215	30	finding	finding	NOUN
hassl-3803	215	31	of	of	ADP
hassl-3803	215	32	the	the	DET
hassl-3803	215	33	study	study	NOUN
hassl-3803	215	34	is	be	AUX
hassl-3803	215	35	that	that	SCONJ
hassl-3803	215	36	quality	quality	NOUN
hassl-3803	215	37	of	of	ADP
hassl-3803	215	38	access	access	NOUN
hassl-3803	215	39	to	to	ADP
hassl-3803	215	40	the	the	DET
hassl-3803	215	41	internet	internet	NOUN
hassl-3803	215	42	has	have	VERB
hassl-3803	215	43	a	a	DET
hassl-3803	215	44	significant	significant	ADJ
hassl-3803	215	45	moderating	moderate	VERB
hassl-3803	215	46	effect	effect	NOUN
hassl-3803	215	47	on	on	ADP
hassl-3803	215	48	the	the	DET
hassl-3803	215	49	positive	positive	ADJ
hassl-3803	215	50	relationship	relationship	NOUN
hassl-3803	215	51	between	between	ADP
hassl-3803	215	52	attitude	attitude	NOUN
hassl-3803	215	53	and	and	CCONJ
hassl-3803	215	54	intention	intention	NOUN
hassl-3803	215	55	to	to	PART
hassl-3803	215	56	use	use	VERB
hassl-3803	215	57	fintech	fintech	NOUN
hassl-3803	215	58	services	service	NOUN
hassl-3803	215	59	.	.	PUNCT
hassl-3803	216	1	reliability	reliability	NOUN
hassl-3803	216	2	and	and	CCONJ
hassl-3803	216	3	speed	speed	NOUN
hassl-3803	216	4	of	of	ADP
hassl-3803	216	5	internet	internet	NOUN
hassl-3803	216	6	access	access	NOUN
hassl-3803	216	7	are	be	AUX
hassl-3803	216	8	positive	positive	ADJ
hassl-3803	216	9	factors	factor	NOUN
hassl-3803	216	10	that	that	PRON
hassl-3803	216	11	promote	promote	VERB
hassl-3803	216	12	positive	positive	ADJ
hassl-3803	216	13	attitudes	attitude	NOUN
hassl-3803	216	14	towards	towards	ADP
hassl-3803	216	15	technology	technology	NOUN
hassl-3803	216	16	and	and	CCONJ
hassl-3803	216	17	thereby	thereby	ADV
hassl-3803	216	18	lead	lead	VERB
hassl-3803	216	19	to	to	ADP
hassl-3803	216	20	future	future	ADJ
hassl-3803	216	21	behavioural	behavioural	ADJ
hassl-3803	216	22	intentions	intention	NOUN
hassl-3803	216	23	.	.	PUNCT
hassl-3803	217	1	such	such	ADJ
hassl-3803	217	2	access	access	NOUN
hassl-3803	217	3	can	can	AUX
hassl-3803	217	4	foster	foster	VERB
hassl-3803	217	5	a	a	DET
hassl-3803	217	6	soothing	soothe	VERB
hassl-3803	217	7	usage	usage	NOUN
hassl-3803	217	8	experience	experience	NOUN
hassl-3803	217	9	and	and	CCONJ
hassl-3803	217	10	make	make	VERB
hassl-3803	217	11	meeting	meet	VERB
hassl-3803	217	12	their	their	PRON
hassl-3803	217	13	financial	financial	ADJ
hassl-3803	217	14	requirements	requirement	NOUN
hassl-3803	217	15	easier	easy	ADJ
hassl-3803	217	16	.	.	PUNCT
hassl-3803	218	1	such	such	ADJ
hassl-3803	218	2	experiences	experience	NOUN
hassl-3803	218	3	contribute	contribute	VERB
hassl-3803	218	4	to	to	ADP
hassl-3803	218	5	higher	high	ADJ
hassl-3803	218	6	satisfaction	satisfaction	NOUN
hassl-3803	218	7	,	,	PUNCT
hassl-3803	218	8	enhancing	enhance	VERB
hassl-3803	218	9	their	their	PRON
hassl-3803	218	10	perceptions	perception	NOUN
hassl-3803	218	11	of	of	ADP
hassl-3803	218	12	the	the	DET
hassl-3803	218	13	utility	utility	NOUN
hassl-3803	218	14	of	of	ADP
hassl-3803	218	15	technology	technology	NOUN
hassl-3803	218	16	adoption	adoption	NOUN
hassl-3803	218	17	.	.	PUNCT
hassl-3803	219	1	in	in	ADP
hassl-3803	219	2	india	india	PROPN
hassl-3803	219	3	,	,	PUNCT
hassl-3803	219	4	free	free	ADJ
hassl-3803	219	5	connectivity	connectivity	NOUN
hassl-3803	219	6	in	in	ADP
hassl-3803	219	7	public	public	ADJ
hassl-3803	219	8	spaces	space	NOUN
hassl-3803	219	9	is	be	AUX
hassl-3803	219	10	on	on	ADP
hassl-3803	219	11	the	the	DET
hassl-3803	219	12	rise	rise	NOUN
hassl-3803	219	13	.	.	PUNCT
hassl-3803	220	1	in	in	ADP
hassl-3803	220	2	addition	addition	NOUN
hassl-3803	220	3	,	,	PUNCT
hassl-3803	220	4	the	the	DET
hassl-3803	220	5	increase	increase	NOUN
hassl-3803	220	6	in	in	ADP
hassl-3803	220	7	speed	speed	NOUN
hassl-3803	220	8	of	of	ADP
hassl-3803	220	9	data	datum	NOUN
hassl-3803	220	10	transfer	transfer	NOUN
hassl-3803	220	11	,	,	PUNCT
hassl-3803	220	12	lowering	lower	VERB
hassl-3803	220	13	of	of	ADP
hassl-3803	220	14	data	datum	NOUN
hassl-3803	220	15	usage	usage	NOUN
hassl-3803	220	16	costs	cost	NOUN
hassl-3803	220	17	,	,	PUNCT
hassl-3803	220	18	and	and	CCONJ
hassl-3803	220	19	easing	ease	VERB
hassl-3803	220	20	of	of	ADP
hassl-3803	220	21	restrictions	restriction	NOUN
hassl-3803	220	22	on	on	ADP
hassl-3803	220	23	usage	usage	NOUN
hassl-3803	220	24	have	have	AUX
hassl-3803	220	25	surely	surely	ADV
hassl-3803	220	26	contributed	contribute	VERB
hassl-3803	220	27	to	to	ADP
hassl-3803	220	28	positive	positive	ADJ
hassl-3803	220	29	effects	effect	NOUN
hassl-3803	220	30	.	.	PUNCT
hassl-3803	221	1	probably	probably	ADV
hassl-3803	221	2	,	,	PUNCT
hassl-3803	221	3	another	another	DET
hassl-3803	221	4	important	important	ADJ
hassl-3803	221	5	factor	factor	NOUN
hassl-3803	221	6	is	be	AUX
hassl-3803	221	7	the	the	DET
hassl-3803	221	8	deep	deep	ADJ
hassl-3803	221	9	penetration	penetration	NOUN
hassl-3803	221	10	of	of	ADP
hassl-3803	221	11	compatible	compatible	ADJ
hassl-3803	221	12	hand	hand	NOUN
hassl-3803	221	13	-	-	PUNCT
hassl-3803	221	14	held	hold	VERB
hassl-3803	221	15	devices	device	NOUN
hassl-3803	221	16	like	like	ADP
hassl-3803	221	17	mobile	mobile	ADJ
hassl-3803	221	18	phones	phone	NOUN
hassl-3803	221	19	,	,	PUNCT
hassl-3803	221	20	which	which	PRON
hassl-3803	221	21	allows	allow	VERB
hassl-3803	221	22	hassle	hassle	NOUN
hassl-3803	221	23	-	-	PUNCT
hassl-3803	221	24	free	free	ADJ
hassl-3803	221	25	and	and	CCONJ
hassl-3803	221	26	convenient	convenient	ADJ
hassl-3803	221	27	access	access	NOUN
hassl-3803	221	28	to	to	ADP
hassl-3803	221	29	connectivity	connectivity	NOUN
hassl-3803	221	30	and	and	CCONJ
hassl-3803	221	31	services	service	NOUN
hassl-3803	221	32	.	.	PUNCT
hassl-3803	222	1	higher	high	ADJ
hassl-3803	222	2	digital	digital	ADJ
hassl-3803	222	3	literacy	literacy	NOUN
hassl-3803	222	4	among	among	ADP
hassl-3803	222	5	the	the	DET
hassl-3803	222	6	young	young	ADJ
hassl-3803	222	7	working	work	VERB
hassl-3803	222	8	class	class	NOUN
hassl-3803	222	9	may	may	AUX
hassl-3803	222	10	also	also	ADV
hassl-3803	222	11	enable	enable	VERB
hassl-3803	222	12	them	they	PRON
hassl-3803	222	13	to	to	PART
hassl-3803	222	14	choose	choose	VERB
hassl-3803	222	15	connectivity	connectivity	NOUN
hassl-3803	222	16	solutions	solution	NOUN
hassl-3803	222	17	more	more	ADV
hassl-3803	222	18	effectively	effectively	ADV
hassl-3803	222	19	.	.	PUNCT
hassl-3803	223	1	it	it	PRON
hassl-3803	223	2	is	be	AUX
hassl-3803	223	3	unsurprising	unsurprising	ADJ
hassl-3803	223	4	that	that	SCONJ
hassl-3803	223	5	the	the	DET
hassl-3803	223	6	influence	influence	NOUN
hassl-3803	223	7	of	of	ADP
hassl-3803	223	8	subjective	subjective	ADJ
hassl-3803	223	9	norms	norm	NOUN
hassl-3803	223	10	on	on	ADP
hassl-3803	223	11	behavioural	behavioural	ADJ
hassl-3803	223	12	intentions	intention	NOUN
hassl-3803	223	13	is	be	AUX
hassl-3803	223	14	not	not	PART
hassl-3803	223	15	significantly	significantly	ADV
hassl-3803	223	16	moderated	moderate	VERB
hassl-3803	223	17	by	by	ADP
hassl-3803	223	18	connectivity	connectivity	NOUN
hassl-3803	223	19	availability	availability	NOUN
hassl-3803	223	20	.	.	PUNCT
hassl-3803	224	1	with	with	ADP
hassl-3803	224	2	digital	digital	ADJ
hassl-3803	224	3	and	and	CCONJ
hassl-3803	224	4	connectivity	connectivity	NOUN
hassl-3803	224	5	solutions	solution	NOUN
hassl-3803	224	6	being	be	AUX
hassl-3803	224	7	almost	almost	ADV
hassl-3803	224	8	equal	equal	ADJ
hassl-3803	224	9	among	among	ADP
hassl-3803	224	10	various	various	ADJ
hassl-3803	224	11	service	service	NOUN
hassl-3803	224	12	providers	provider	NOUN
hassl-3803	224	13	in	in	ADP
hassl-3803	224	14	the	the	DET
hassl-3803	224	15	market	market	NOUN
hassl-3803	224	16	,	,	PUNCT
hassl-3803	224	17	it	it	PRON
hassl-3803	224	18	is	be	AUX
hassl-3803	224	19	hardly	hardly	ADV
hassl-3803	224	20	convincing	convincing	ADJ
hassl-3803	224	21	to	to	PART
hassl-3803	224	22	think	think	VERB
hassl-3803	224	23	that	that	SCONJ
hassl-3803	224	24	peer	peer	NOUN
hassl-3803	224	25	groups	group	NOUN
hassl-3803	224	26	can	can	AUX
hassl-3803	224	27	exert	exert	VERB
hassl-3803	224	28	moral	moral	ADJ
hassl-3803	224	29	or	or	CCONJ
hassl-3803	224	30	emotional	emotional	ADJ
hassl-3803	224	31	pressure	pressure	NOUN
hassl-3803	224	32	regarding	regard	VERB
hassl-3803	224	33	choosing	choose	VERB
hassl-3803	224	34	service	service	NOUN
hassl-3803	224	35	providers	provider	NOUN
hassl-3803	224	36	or	or	CCONJ
hassl-3803	224	37	technology	technology	NOUN
hassl-3803	224	38	usage	usage	NOUN
hassl-3803	224	39	.	.	PUNCT
hassl-3803	225	1	on	on	ADP
hassl-3803	225	2	the	the	DET
hassl-3803	225	3	other	other	ADJ
hassl-3803	225	4	hand	hand	NOUN
hassl-3803	225	5	,	,	PUNCT
hassl-3803	225	6	we	we	PRON
hassl-3803	225	7	were	be	AUX
hassl-3803	225	8	surprised	surprised	ADJ
hassl-3803	225	9	to	to	PART
hassl-3803	225	10	find	find	VERB
hassl-3803	225	11	that	that	SCONJ
hassl-3803	225	12	quality	quality	NOUN
hassl-3803	225	13	and	and	CCONJ
hassl-3803	225	14	access	access	NOUN
hassl-3803	225	15	to	to	ADP
hassl-3803	225	16	connectivity	connectivity	NOUN
hassl-3803	225	17	were	be	AUX
hassl-3803	225	18	not	not	PART
hassl-3803	225	19	significant	significant	ADJ
hassl-3803	225	20	moderators	moderator	NOUN
hassl-3803	225	21	of	of	ADP
hassl-3803	225	22	the	the	DET
hassl-3803	225	23	cause	cause	VERB
hassl-3803	225	24	-	-	PUNCT
hassl-3803	225	25	and	and	CCONJ
hassl-3803	225	26	-	-	PUNCT
hassl-3803	225	27	effect	effect	NOUN
hassl-3803	225	28	relationship	relationship	NOUN
hassl-3803	225	29	between	between	ADP
hassl-3803	225	30	perceived	perceive	VERB
hassl-3803	225	31	behavior	behavior	NOUN
hassl-3803	225	32	control	control	NOUN
hassl-3803	225	33	and	and	CCONJ
hassl-3803	225	34	intention	intention	NOUN
hassl-3803	225	35	to	to	PART
hassl-3803	225	36	use	use	VERB
hassl-3803	225	37	financial	financial	ADJ
hassl-3803	225	38	technology	technology	NOUN
hassl-3803	225	39	.	.	PUNCT
hassl-3803	226	1	it	it	PRON
hassl-3803	226	2	may	may	AUX
hassl-3803	226	3	be	be	AUX
hassl-3803	226	4	logical	logical	ADJ
hassl-3803	226	5	to	to	PART
hassl-3803	226	6	hypothesize	hypothesize	VERB
hassl-3803	226	7	that	that	SCONJ
hassl-3803	226	8	better	well	ADJ
hassl-3803	226	9	access	access	NOUN
hassl-3803	226	10	to	to	ADP
hassl-3803	226	11	internet	internet	NOUN
hassl-3803	226	12	connections	connection	NOUN
hassl-3803	226	13	may	may	AUX
hassl-3803	226	14	strongly	strongly	ADV
hassl-3803	226	15	influence	influence	VERB
hassl-3803	226	16	individuals	individual	NOUN
hassl-3803	226	17	’	'	PUNCT
hassl-3803	226	18	beliefs	belief	NOUN
hassl-3803	226	19	about	about	ADP
hassl-3803	226	20	doing	do	VERB
hassl-3803	226	21	technology	technology	NOUN
hassl-3803	226	22	-	-	PUNCT
hassl-3803	226	23	based	base	VERB
hassl-3803	226	24	activities	activity	NOUN
hassl-3803	226	25	with	with	ADP
hassl-3803	226	26	confidence	confidence	NOUN
hassl-3803	226	27	and	and	CCONJ
hassl-3803	226	28	positive	positive	ADJ
hassl-3803	226	29	outcomes	outcome	NOUN
hassl-3803	226	30	.	.	PUNCT
hassl-3803	227	1	probably	probably	ADV
hassl-3803	227	2	,	,	PUNCT
hassl-3803	227	3	because	because	SCONJ
hassl-3803	227	4	the	the	DET
hassl-3803	227	5	study	study	NOUN
hassl-3803	227	6	sample	sample	NOUN
hassl-3803	227	7	includes	include	VERB
hassl-3803	227	8	only	only	ADV
hassl-3803	227	9	young	young	ADJ
hassl-3803	227	10	working	work	VERB
hassl-3803	227	11	people	people	NOUN
hassl-3803	227	12	,	,	PUNCT
hassl-3803	227	13	their	their	PRON
hassl-3803	227	14	long	long	ADJ
hassl-3803	227	15	experience	experience	NOUN
hassl-3803	227	16	with	with	ADP
hassl-3803	227	17	hand	hand	NOUN
hassl-3803	227	18	-	-	PUNCT
hassl-3803	227	19	held	hold	VERB
hassl-3803	227	20	devices	device	NOUN
hassl-3803	227	21	and	and	CCONJ
hassl-3803	227	22	active	active	ADJ
hassl-3803	227	23	use	use	NOUN
hassl-3803	227	24	of	of	ADP
hassl-3803	227	25	social	social	ADJ
hassl-3803	227	26	media	medium	NOUN
hassl-3803	227	27	platforms	platform	NOUN
hassl-3803	227	28	may	may	AUX
hassl-3803	227	29	have	have	AUX
hassl-3803	227	30	instilled	instill	VERB
hassl-3803	227	31	in	in	ADP
hassl-3803	227	32	them	they	PRON
hassl-3803	227	33	ways	way	NOUN
hassl-3803	227	34	to	to	PART
hassl-3803	227	35	manage	manage	VERB
hassl-3803	227	36	connectivity	connectivity	NOUN
hassl-3803	227	37	issues	issue	NOUN
hassl-3803	227	38	.	.	PUNCT
hassl-3803	228	1	a	a	DET
hassl-3803	228	2	different	different	ADJ
hassl-3803	228	3	sample	sample	NOUN
hassl-3803	228	4	with	with	ADP
hassl-3803	228	5	a	a	DET
hassl-3803	228	6	higher	high	ADJ
hassl-3803	228	7	age	age	NOUN
hassl-3803	228	8	group	group	NOUN
hassl-3803	228	9	may	may	AUX
hassl-3803	228	10	reveal	reveal	VERB
hassl-3803	228	11	a	a	DET
hassl-3803	228	12	different	different	ADJ
hassl-3803	228	13	picture	picture	NOUN
hassl-3803	228	14	.	.	PUNCT
hassl-3803	229	1	in	in	ADP
hassl-3803	229	2	this	this	DET
hassl-3803	229	3	context	context	NOUN
hassl-3803	229	4	,	,	PUNCT
hassl-3803	229	5	it	it	PRON
hassl-3803	229	6	is	be	AUX
hassl-3803	229	7	important	important	ADJ
hassl-3803	229	8	to	to	PART
hassl-3803	229	9	note	note	VERB
hassl-3803	229	10	that	that	SCONJ
hassl-3803	229	11	wang	wang	PROPN
hassl-3803	229	12	,	,	PUNCT
hassl-3803	229	13	wang	wang	PROPN
hassl-3803	229	14	,	,	PUNCT
hassl-3803	229	15	and	and	CCONJ
hassl-3803	229	16	li	li	PROPN
hassl-3803	229	17	(	(	PUNCT
hassl-3803	229	18	2022	2022	NUM
hassl-3803	229	19	)	)	PUNCT
hassl-3803	229	20	found	find	VERB
hassl-3803	229	21	that	that	SCONJ
hassl-3803	229	22	the	the	DET
hassl-3803	229	23	internet	internet	NOUN
hassl-3803	229	24	and	and	CCONJ
hassl-3803	229	25	its	its	PRON
hassl-3803	229	26	use	use	NOUN
hassl-3803	229	27	can	can	AUX
hassl-3803	229	28	have	have	VERB
hassl-3803	229	29	a	a	DET
hassl-3803	229	30	mediating	mediating	NOUN
hassl-3803	229	31	and	and	CCONJ
hassl-3803	229	32	moderating	moderating	NOUN
hassl-3803	229	33	effect	effect	NOUN
hassl-3803	229	34	,	,	PUNCT
hassl-3803	229	35	promoting	promote	VERB
hassl-3803	229	36	perceived	perceive	VERB
hassl-3803	229	37	behavior	behavior	NOUN
hassl-3803	229	38	control	control	NOUN
hassl-3803	229	39	over	over	ADP
hassl-3803	229	40	actual	actual	ADJ
hassl-3803	229	41	behavior	behavior	NOUN
hassl-3803	229	42	.	.	PUNCT
hassl-3803	230	1	when	when	SCONJ
hassl-3803	230	2	we	we	PRON
hassl-3803	230	3	tested	test	VERB
hassl-3803	230	4	the	the	DET
hassl-3803	230	5	moderation	moderation	NOUN
hassl-3803	230	6	effect	effect	NOUN
hassl-3803	230	7	of	of	ADP
hassl-3803	230	8	digital	digital	ADJ
hassl-3803	230	9	skills	skill	NOUN
hassl-3803	230	10	,	,	PUNCT
hassl-3803	230	11	the	the	DET
hassl-3803	230	12	findings	finding	NOUN
hassl-3803	230	13	were	be	AUX
hassl-3803	230	14	slightly	slightly	ADV
hassl-3803	230	15	different	different	ADJ
hassl-3803	230	16	.	.	PUNCT
hassl-3803	231	1	the	the	DET
hassl-3803	231	2	cause	cause	NOUN
hassl-3803	231	3	effects	effect	NOUN
hassl-3803	231	4	of	of	ADP
hassl-3803	231	5	attitude	attitude	NOUN
hassl-3803	231	6	and	and	CCONJ
hassl-3803	231	7	perceived	perceive	VERB
hassl-3803	231	8	behaviour	behaviour	NOUN
hassl-3803	231	9	control	control	NOUN
hassl-3803	231	10	on	on	ADP
hassl-3803	231	11	behavioural	behavioural	ADJ
hassl-3803	231	12	intention	intention	NOUN
hassl-3803	231	13	to	to	PART
hassl-3803	231	14	use	use	VERB
hassl-3803	231	15	fintech	fintech	NOUN
hassl-3803	231	16	services	service	NOUN
hassl-3803	231	17	were	be	AUX
hassl-3803	231	18	significantly	significantly	ADV
hassl-3803	231	19	positively	positively	ADV
hassl-3803	231	20	moderated	moderate	VERB
hassl-3803	231	21	by	by	ADP
hassl-3803	231	22	digital	digital	ADJ
hassl-3803	231	23	skills	skill	NOUN
hassl-3803	231	24	.	.	PUNCT
hassl-3803	232	1	higher	high	ADJ
hassl-3803	232	2	levels	level	NOUN
hassl-3803	232	3	of	of	ADP
hassl-3803	232	4	digital	digital	ADJ
hassl-3803	232	5	skills	skill	NOUN
hassl-3803	232	6	,	,	PUNCT
hassl-3803	232	7	resulting	result	VERB
hassl-3803	232	8	from	from	ADP
hassl-3803	232	9	increased	increase	VERB
hassl-3803	232	10	use	use	NOUN
hassl-3803	232	11	of	of	ADP
hassl-3803	232	12	digital	digital	ADJ
hassl-3803	232	13	devices	device	NOUN
hassl-3803	232	14	,	,	PUNCT
hassl-3803	232	15	can	can	AUX
hassl-3803	232	16	enhance	enhance	VERB
hassl-3803	232	17	the	the	DET
hassl-3803	232	18	digital	digital	ADJ
hassl-3803	232	19	skills	skill	NOUN
hassl-3803	232	20	of	of	ADP
hassl-3803	232	21	individuals	individual	NOUN
hassl-3803	232	22	.	.	PUNCT
hassl-3803	233	1	moreover	moreover	ADV
hassl-3803	233	2	,	,	PUNCT
hassl-3803	233	3	frequent	frequent	ADJ
hassl-3803	233	4	upgrades	upgrade	NOUN
hassl-3803	233	5	to	to	ADP
hassl-3803	233	6	hardware	hardware	NOUN
hassl-3803	233	7	devices	device	NOUN
hassl-3803	233	8	and	and	CCONJ
hassl-3803	233	9	software	software	NOUN
hassl-3803	233	10	packages	package	NOUN
hassl-3803	233	11	would	would	AUX
hassl-3803	233	12	necessitate	necessitate	VERB
hassl-3803	233	13	the	the	DET
hassl-3803	233	14	acquisition	acquisition	NOUN
hassl-3803	233	15	of	of	ADP
hassl-3803	233	16	the	the	DET
hassl-3803	233	17	necessary	necessary	ADJ
hassl-3803	233	18	skills	skill	NOUN
hassl-3803	233	19	to	to	PART
hassl-3803	233	20	stay	stay	VERB
hassl-3803	233	21	updated	update	VERB
hassl-3803	233	22	,	,	PUNCT
hassl-3803	233	23	particularly	particularly	ADV
hassl-3803	233	24	among	among	ADP
hassl-3803	233	25	the	the	DET
hassl-3803	233	26	younger	young	ADJ
hassl-3803	233	27	class	class	NOUN
hassl-3803	233	28	.	.	PUNCT
hassl-3803	234	1	upgrading	upgrade	VERB
hassl-3803	234	2	their	their	PRON
hassl-3803	234	3	digital	digital	ADJ
hassl-3803	234	4	skills	skill	NOUN
hassl-3803	234	5	would	would	AUX
hassl-3803	234	6	result	result	VERB
hassl-3803	234	7	in	in	ADP
hassl-3803	234	8	a	a	DET
hassl-3803	234	9	better	well	ADJ
hassl-3803	234	10	perception	perception	NOUN
hassl-3803	234	11	of	of	ADP
hassl-3803	234	12	the	the	DET
hassl-3803	234	13	ease	ease	NOUN
hassl-3803	234	14	of	of	ADP
hassl-3803	234	15	using	use	VERB
hassl-3803	234	16	financial	financial	ADJ
hassl-3803	234	17	technology	technology	NOUN
hassl-3803	234	18	services	service	NOUN
hassl-3803	234	19	.	.	PUNCT
hassl-3803	235	1	evidence	evidence	NOUN
hassl-3803	235	2	shows	show	VERB
hassl-3803	235	3	that	that	SCONJ
hassl-3803	235	4	people	people	NOUN
hassl-3803	235	5	with	with	ADP
hassl-3803	235	6	higher	high	ADJ
hassl-3803	235	7	digital	digital	ADJ
hassl-3803	235	8	skills	skill	NOUN
hassl-3803	235	9	are	be	AUX
hassl-3803	235	10	better	well	ADJ
hassl-3803	235	11	able	able	ADJ
hassl-3803	235	12	to	to	PART
hassl-3803	235	13	navigate	navigate	VERB
hassl-3803	235	14	through	through	ADP
hassl-3803	235	15	interfaces	interface	NOUN
hassl-3803	235	16	in	in	ADP
hassl-3803	235	17	technology	technology	NOUN
hassl-3803	235	18	-	-	PUNCT
hassl-3803	235	19	based	base	VERB
hassl-3803	235	20	applications	application	NOUN
hassl-3803	235	21	and	and	CCONJ
hassl-3803	235	22	,	,	PUNCT
hassl-3803	235	23	as	as	ADP
hassl-3803	235	24	a	a	DET
hassl-3803	235	25	result	result	NOUN
hassl-3803	235	26	,	,	PUNCT
hassl-3803	235	27	perceive	perceive	VERB
hassl-3803	235	28	these	these	DET
hassl-3803	235	29	systems	system	NOUN
hassl-3803	235	30	as	as	ADP
hassl-3803	235	31	user	user	NOUN
hassl-3803	235	32	-	-	PUNCT
hassl-3803	235	33	friendly	friendly	ADJ
hassl-3803	235	34	.	.	PUNCT
hassl-3803	236	1	therefore	therefore	ADV
hassl-3803	236	2	,	,	PUNCT
hassl-3803	236	3	digital	digital	ADJ
hassl-3803	236	4	skills	skill	NOUN
hassl-3803	236	5	play	play	VERB
hassl-3803	236	6	a	a	DET
hassl-3803	236	7	positive	positive	ADJ
hassl-3803	236	8	role	role	NOUN
hassl-3803	236	9	in	in	ADP
hassl-3803	236	10	shaping	shape	VERB
hassl-3803	236	11	attitudes	attitude	NOUN
hassl-3803	236	12	towards	towards	ADP
hassl-3803	236	13	actual	actual	ADJ
hassl-3803	236	14	usage	usage	NOUN
hassl-3803	236	15	of	of	ADP
hassl-3803	236	16	these	these	DET
hassl-3803	236	17	services	service	NOUN
hassl-3803	236	18	.	.	PUNCT
hassl-3803	237	1	higher	high	ADJ
hassl-3803	237	2	digital	digital	ADJ
hassl-3803	237	3	skills	skill	NOUN
hassl-3803	237	4	,	,	PUNCT
hassl-3803	237	5	particularly	particularly	ADV
hassl-3803	237	6	among	among	ADP
hassl-3803	237	7	humanities	humanity	NOUN
hassl-3803	237	8	and	and	CCONJ
hassl-3803	237	9	social	social	ADJ
hassl-3803	237	10	sciences	science	NOUN
hassl-3803	237	11	letters	letter	NOUN
hassl-3803	237	12	,	,	PUNCT
hassl-3803	237	13	2024	2024	NUM
hassl-3803	237	14	,	,	PUNCT
hassl-3803	237	15	12(3	12(3	NUM
hassl-3803	237	16	):	):	PUNCT
hassl-3803	237	17	543	543	NUM
hassl-3803	237	18	-	-	SYM
hassl-3803	237	19	555	555	NUM
hassl-3803	237	20	552	552	NUM
hassl-3803	237	21	©	©	PROPN
hassl-3803	237	22	2024	2024	NUM
hassl-3803	237	23	conscientia	conscientia	PROPN
hassl-3803	237	24	beam	beam	PROPN
hassl-3803	237	25	.	.	PUNCT
hassl-3803	238	1	all	all	DET
hassl-3803	238	2	rights	right	NOUN
hassl-3803	238	3	reserved	reserve	VERB
hassl-3803	238	4	.	.	PUNCT
hassl-3803	239	1	young	young	ADJ
hassl-3803	239	2	people	people	NOUN
hassl-3803	239	3	,	,	PUNCT
hassl-3803	239	4	can	can	AUX
hassl-3803	239	5	increase	increase	VERB
hassl-3803	239	6	their	their	PRON
hassl-3803	239	7	awareness	awareness	NOUN
hassl-3803	239	8	of	of	ADP
hassl-3803	239	9	accessing	access	VERB
hassl-3803	239	10	new	new	ADJ
hassl-3803	239	11	opportunities	opportunity	NOUN
hassl-3803	239	12	.	.	PUNCT
hassl-3803	240	1	this	this	PRON
hassl-3803	240	2	would	would	AUX
hassl-3803	240	3	help	help	VERB
hassl-3803	240	4	them	they	PRON
hassl-3803	240	5	develop	develop	VERB
hassl-3803	240	6	positive	positive	ADJ
hassl-3803	240	7	attitudes	attitude	NOUN
hassl-3803	240	8	towards	towards	ADP
hassl-3803	240	9	using	use	VERB
hassl-3803	240	10	technology	technology	NOUN
hassl-3803	240	11	in	in	ADP
hassl-3803	240	12	the	the	DET
hassl-3803	240	13	future	future	NOUN
hassl-3803	240	14	.	.	PUNCT
hassl-3803	241	1	improved	improve	VERB
hassl-3803	241	2	digital	digital	ADJ
hassl-3803	241	3	skills	skill	NOUN
hassl-3803	241	4	can	can	AUX
hassl-3803	241	5	also	also	ADV
hassl-3803	241	6	be	be	AUX
hassl-3803	241	7	a	a	DET
hassl-3803	241	8	significant	significant	ADJ
hassl-3803	241	9	contributor	contributor	NOUN
hassl-3803	241	10	to	to	ADP
hassl-3803	241	11	digital	digital	ADJ
hassl-3803	241	12	self	self	NOUN
hassl-3803	241	13	-	-	PUNCT
hassl-3803	241	14	efficacy	efficacy	NOUN
hassl-3803	241	15	,	,	PUNCT
hassl-3803	241	16	whereby	whereby	SCONJ
hassl-3803	241	17	an	an	DET
hassl-3803	241	18	individual	individual	NOUN
hassl-3803	241	19	has	have	VERB
hassl-3803	241	20	self	self	NOUN
hassl-3803	241	21	-	-	PUNCT
hassl-3803	241	22	belief	belief	NOUN
hassl-3803	241	23	in	in	ADP
hassl-3803	241	24	his	his	PRON
hassl-3803	241	25	ability	ability	NOUN
hassl-3803	241	26	to	to	PART
hassl-3803	241	27	perform	perform	VERB
hassl-3803	241	28	the	the	DET
hassl-3803	241	29	activities	activity	NOUN
hassl-3803	241	30	in	in	ADP
hassl-3803	241	31	fintech	fintech	NOUN
hassl-3803	241	32	services	service	NOUN
hassl-3803	241	33	.	.	PUNCT
hassl-3803	242	1	such	such	ADJ
hassl-3803	242	2	people	people	NOUN
hassl-3803	242	3	can	can	AUX
hassl-3803	242	4	possess	possess	VERB
hassl-3803	242	5	greater	great	ADJ
hassl-3803	242	6	skills	skill	NOUN
hassl-3803	242	7	of	of	ADP
hassl-3803	242	8	adaptability	adaptability	NOUN
hassl-3803	242	9	to	to	ADP
hassl-3803	242	10	the	the	DET
hassl-3803	242	11	new	new	ADJ
hassl-3803	242	12	demands	demand	NOUN
hassl-3803	242	13	of	of	ADP
hassl-3803	242	14	change	change	NOUN
hassl-3803	242	15	,	,	PUNCT
hassl-3803	242	16	thereby	thereby	ADV
hassl-3803	242	17	exhibiting	exhibit	VERB
hassl-3803	242	18	greater	great	ADJ
hassl-3803	242	19	intentions	intention	NOUN
hassl-3803	242	20	to	to	PART
hassl-3803	242	21	adopt	adopt	VERB
hassl-3803	242	22	and	and	CCONJ
hassl-3803	242	23	use	use	VERB
hassl-3803	242	24	new	new	ADJ
hassl-3803	242	25	technology	technology	NOUN
hassl-3803	242	26	-	-	PUNCT
hassl-3803	242	27	based	base	VERB
hassl-3803	242	28	financial	financial	ADJ
hassl-3803	242	29	services	service	NOUN
hassl-3803	242	30	.	.	PUNCT
hassl-3803	243	1	7	7	X
hassl-3803	243	2	.	.	X
hassl-3803	243	3	conclusion	conclusion	NOUN
hassl-3803	243	4	researchers	researcher	NOUN
hassl-3803	243	5	investigated	investigate	VERB
hassl-3803	243	6	the	the	DET
hassl-3803	243	7	usefulness	usefulness	NOUN
hassl-3803	243	8	of	of	ADP
hassl-3803	243	9	the	the	DET
hassl-3803	243	10	theory	theory	NOUN
hassl-3803	243	11	of	of	ADP
hassl-3803	243	12	planned	plan	VERB
hassl-3803	243	13	behaviour	behaviour	NOUN
hassl-3803	243	14	in	in	ADP
hassl-3803	243	15	explaining	explain	VERB
hassl-3803	243	16	the	the	DET
hassl-3803	243	17	intention	intention	NOUN
hassl-3803	243	18	of	of	ADP
hassl-3803	243	19	young	young	ADJ
hassl-3803	243	20	working	work	VERB
hassl-3803	243	21	people	people	NOUN
hassl-3803	243	22	in	in	ADP
hassl-3803	243	23	india	india	PROPN
hassl-3803	243	24	to	to	PART
hassl-3803	243	25	adopt	adopt	VERB
hassl-3803	243	26	digital	digital	ADJ
hassl-3803	243	27	financial	financial	ADJ
hassl-3803	243	28	technology	technology	NOUN
hassl-3803	243	29	.	.	PUNCT
hassl-3803	244	1	the	the	DET
hassl-3803	244	2	study	study	NOUN
hassl-3803	244	3	employed	employ	VERB
hassl-3803	244	4	attitudes	attitude	NOUN
hassl-3803	244	5	,	,	PUNCT
hassl-3803	244	6	subjective	subjective	ADJ
hassl-3803	244	7	norms	norm	NOUN
hassl-3803	244	8	,	,	PUNCT
hassl-3803	244	9	and	and	CCONJ
hassl-3803	244	10	perceived	perceive	VERB
hassl-3803	244	11	behaviour	behaviour	NOUN
hassl-3803	244	12	control	control	NOUN
hassl-3803	244	13	as	as	ADP
hassl-3803	244	14	predictors	predictor	NOUN
hassl-3803	244	15	of	of	ADP
hassl-3803	244	16	behavioural	behavioural	ADJ
hassl-3803	244	17	intention	intention	NOUN
hassl-3803	244	18	from	from	ADP
hassl-3803	244	19	the	the	DET
hassl-3803	244	20	theory	theory	NOUN
hassl-3803	244	21	of	of	ADP
hassl-3803	244	22	planned	plan	VERB
hassl-3803	244	23	behaviour	behaviour	NOUN
hassl-3803	244	24	(	(	PUNCT
hassl-3803	244	25	tpb	tpb	NOUN
hassl-3803	244	26	)	)	PUNCT
hassl-3803	244	27	model	model	NOUN
hassl-3803	244	28	,	,	PUNCT
hassl-3803	244	29	while	while	SCONJ
hassl-3803	244	30	the	the	DET
hassl-3803	244	31	quality	quality	NOUN
hassl-3803	244	32	of	of	ADP
hassl-3803	244	33	internet	internet	NOUN
hassl-3803	244	34	access	access	NOUN
hassl-3803	244	35	and	and	CCONJ
hassl-3803	244	36	digital	digital	ADJ
hassl-3803	244	37	skills	skill	NOUN
hassl-3803	244	38	served	serve	VERB
hassl-3803	244	39	as	as	ADP
hassl-3803	244	40	moderators	moderator	NOUN
hassl-3803	244	41	.	.	PUNCT
hassl-3803	245	1	the	the	DET
hassl-3803	245	2	importance	importance	NOUN
hassl-3803	245	3	of	of	ADP
hassl-3803	245	4	the	the	DET
hassl-3803	245	5	study	study	NOUN
hassl-3803	245	6	lies	lie	VERB
hassl-3803	245	7	in	in	ADP
hassl-3803	245	8	the	the	DET
hassl-3803	245	9	fact	fact	NOUN
hassl-3803	245	10	that	that	SCONJ
hassl-3803	245	11	india	india	PROPN
hassl-3803	245	12	is	be	AUX
hassl-3803	245	13	largely	largely	ADV
hassl-3803	245	14	recognized	recognize	VERB
hassl-3803	245	15	as	as	ADP
hassl-3803	245	16	a	a	DET
hassl-3803	245	17	technologically	technologically	ADV
hassl-3803	245	18	transformative	transformative	ADJ
hassl-3803	245	19	landscape	landscape	NOUN
hassl-3803	245	20	.	.	PUNCT
hassl-3803	246	1	the	the	DET
hassl-3803	246	2	study	study	NOUN
hassl-3803	246	3	,	,	PUNCT
hassl-3803	246	4	which	which	PRON
hassl-3803	246	5	used	use	VERB
hassl-3803	246	6	324	324	NUM
hassl-3803	246	7	indian	indian	ADJ
hassl-3803	246	8	young	young	ADJ
hassl-3803	246	9	employed	employ	VERB
hassl-3803	246	10	people	people	NOUN
hassl-3803	246	11	as	as	ADP
hassl-3803	246	12	a	a	DET
hassl-3803	246	13	sample	sample	NOUN
hassl-3803	246	14	,	,	PUNCT
hassl-3803	246	15	confirmed	confirm	VERB
hassl-3803	246	16	the	the	DET
hassl-3803	246	17	effectiveness	effectiveness	NOUN
hassl-3803	246	18	of	of	ADP
hassl-3803	246	19	the	the	DET
hassl-3803	246	20	tpb	tpb	NOUN
hassl-3803	246	21	model	model	NOUN
hassl-3803	246	22	.	.	PUNCT
hassl-3803	247	1	the	the	DET
hassl-3803	247	2	predictors	predictor	NOUN
hassl-3803	247	3	accounted	account	VERB
hassl-3803	247	4	for	for	ADP
hassl-3803	247	5	48.7	48.7	NUM
hassl-3803	247	6	percent	percent	NOUN
hassl-3803	247	7	of	of	ADP
hassl-3803	247	8	the	the	DET
hassl-3803	247	9	variation	variation	NOUN
hassl-3803	247	10	in	in	ADP
hassl-3803	247	11	behavioural	behavioural	ADJ
hassl-3803	247	12	intention	intention	NOUN
hassl-3803	247	13	to	to	PART
hassl-3803	247	14	use	use	VERB
hassl-3803	247	15	financial	financial	ADJ
hassl-3803	247	16	technology	technology	NOUN
hassl-3803	247	17	.	.	PUNCT
hassl-3803	248	1	moreover	moreover	ADV
hassl-3803	248	2	,	,	PUNCT
hassl-3803	248	3	we	we	PRON
hassl-3803	248	4	found	find	VERB
hassl-3803	248	5	that	that	SCONJ
hassl-3803	248	6	the	the	DET
hassl-3803	248	7	quality	quality	NOUN
hassl-3803	248	8	of	of	ADP
hassl-3803	248	9	internet	internet	NOUN
hassl-3803	248	10	access	access	NOUN
hassl-3803	248	11	significantly	significantly	ADV
hassl-3803	248	12	moderated	moderate	VERB
hassl-3803	248	13	the	the	DET
hassl-3803	248	14	positive	positive	ADJ
hassl-3803	248	15	effect	effect	NOUN
hassl-3803	248	16	of	of	ADP
hassl-3803	248	17	young	young	ADJ
hassl-3803	248	18	workers	worker	NOUN
hassl-3803	248	19	'	'	PART
hassl-3803	248	20	attitude	attitude	NOUN
hassl-3803	248	21	on	on	ADP
hassl-3803	248	22	their	their	PRON
hassl-3803	248	23	intention	intention	NOUN
hassl-3803	248	24	to	to	PART
hassl-3803	248	25	use	use	VERB
hassl-3803	248	26	fintech	fintech	NOUN
hassl-3803	248	27	;	;	PUNCT
hassl-3803	248	28	however	however	ADV
hassl-3803	248	29	,	,	PUNCT
hassl-3803	248	30	access	access	NOUN
hassl-3803	248	31	to	to	ADP
hassl-3803	248	32	the	the	DET
hassl-3803	248	33	internet	internet	NOUN
hassl-3803	248	34	did	do	AUX
hassl-3803	248	35	not	not	PART
hassl-3803	248	36	significantly	significantly	ADV
hassl-3803	248	37	influence	influence	VERB
hassl-3803	248	38	the	the	DET
hassl-3803	248	39	effects	effect	NOUN
hassl-3803	248	40	of	of	ADP
hassl-3803	248	41	perceived	perceive	VERB
hassl-3803	248	42	behaviour	behaviour	NOUN
hassl-3803	248	43	control	control	NOUN
hassl-3803	248	44	and	and	CCONJ
hassl-3803	248	45	subjective	subjective	ADJ
hassl-3803	248	46	norms	norm	NOUN
hassl-3803	248	47	on	on	ADP
hassl-3803	248	48	the	the	DET
hassl-3803	248	49	intention	intention	NOUN
hassl-3803	248	50	to	to	PART
hassl-3803	248	51	use	use	VERB
hassl-3803	248	52	financial	financial	ADJ
hassl-3803	248	53	technology	technology	NOUN
hassl-3803	248	54	.	.	PUNCT
hassl-3803	249	1	the	the	DET
hassl-3803	249	2	study	study	NOUN
hassl-3803	249	3	found	find	VERB
hassl-3803	249	4	that	that	SCONJ
hassl-3803	249	5	digital	digital	ADJ
hassl-3803	249	6	skills	skill	NOUN
hassl-3803	249	7	significantly	significantly	ADV
hassl-3803	249	8	moderated	moderate	VERB
hassl-3803	249	9	the	the	DET
hassl-3803	249	10	positive	positive	ADJ
hassl-3803	249	11	effects	effect	NOUN
hassl-3803	249	12	of	of	ADP
hassl-3803	249	13	attitude	attitude	NOUN
hassl-3803	249	14	and	and	CCONJ
hassl-3803	249	15	perceived	perceive	VERB
hassl-3803	249	16	behavioural	behavioural	ADJ
hassl-3803	249	17	control	control	NOUN
hassl-3803	249	18	on	on	ADP
hassl-3803	249	19	the	the	DET
hassl-3803	249	20	intention	intention	NOUN
hassl-3803	249	21	to	to	PART
hassl-3803	249	22	use	use	VERB
hassl-3803	249	23	fintech	fintech	NOUN
hassl-3803	249	24	services	service	NOUN
hassl-3803	249	25	,	,	PUNCT
hassl-3803	249	26	while	while	SCONJ
hassl-3803	249	27	the	the	DET
hassl-3803	249	28	effect	effect	NOUN
hassl-3803	249	29	of	of	ADP
hassl-3803	249	30	subjective	subjective	ADJ
hassl-3803	249	31	norms	norm	NOUN
hassl-3803	249	32	on	on	ADP
hassl-3803	249	33	intention	intention	NOUN
hassl-3803	249	34	was	be	AUX
hassl-3803	249	35	not	not	PART
hassl-3803	249	36	significant	significant	ADJ
hassl-3803	249	37	.	.	PUNCT
hassl-3803	250	1	with	with	ADP
hassl-3803	250	2	wireless	wireless	ADJ
hassl-3803	250	3	access	access	NOUN
hassl-3803	250	4	to	to	ADP
hassl-3803	250	5	the	the	DET
hassl-3803	250	6	internet	internet	NOUN
hassl-3803	250	7	improving	improve	VERB
hassl-3803	250	8	with	with	ADP
hassl-3803	250	9	time	time	NOUN
hassl-3803	250	10	and	and	CCONJ
hassl-3803	250	11	with	with	ADP
hassl-3803	250	12	increasing	increase	VERB
hassl-3803	250	13	penetration	penetration	NOUN
hassl-3803	250	14	of	of	ADP
hassl-3803	250	15	connectivity	connectivity	NOUN
hassl-3803	250	16	,	,	PUNCT
hassl-3803	250	17	we	we	PRON
hassl-3803	250	18	assume	assume	VERB
hassl-3803	250	19	that	that	SCONJ
hassl-3803	250	20	the	the	DET
hassl-3803	250	21	quality	quality	NOUN
hassl-3803	250	22	of	of	ADP
hassl-3803	250	23	access	access	NOUN
hassl-3803	250	24	to	to	ADP
hassl-3803	250	25	the	the	DET
hassl-3803	250	26	internet	internet	NOUN
hassl-3803	250	27	may	may	AUX
hassl-3803	250	28	not	not	PART
hassl-3803	250	29	be	be	AUX
hassl-3803	250	30	very	very	ADV
hassl-3803	250	31	important	important	ADJ
hassl-3803	250	32	in	in	ADP
hassl-3803	250	33	creating	create	VERB
hassl-3803	250	34	self	self	NOUN
hassl-3803	250	35	-	-	PUNCT
hassl-3803	250	36	belief	belief	NOUN
hassl-3803	250	37	among	among	ADP
hassl-3803	250	38	young	young	ADJ
hassl-3803	250	39	users	user	NOUN
hassl-3803	250	40	about	about	ADP
hassl-3803	250	41	how	how	SCONJ
hassl-3803	250	42	the	the	DET
hassl-3803	250	43	usage	usage	NOUN
hassl-3803	250	44	is	be	AUX
hassl-3803	250	45	under	under	ADP
hassl-3803	250	46	their	their	PRON
hassl-3803	250	47	control	control	NOUN
hassl-3803	250	48	.	.	PUNCT
hassl-3803	251	1	india	india	PROPN
hassl-3803	251	2	,	,	PUNCT
hassl-3803	251	3	once	once	ADV
hassl-3803	251	4	considered	consider	VERB
hassl-3803	251	5	a	a	DET
hassl-3803	251	6	traditional	traditional	ADJ
hassl-3803	251	7	country	country	NOUN
hassl-3803	251	8	,	,	PUNCT
hassl-3803	251	9	has	have	AUX
hassl-3803	251	10	been	be	AUX
hassl-3803	251	11	slow	slow	ADJ
hassl-3803	251	12	to	to	PART
hassl-3803	251	13	adopt	adopt	VERB
hassl-3803	251	14	western	western	ADJ
hassl-3803	251	15	technology	technology	NOUN
hassl-3803	251	16	.	.	PUNCT
hassl-3803	252	1	the	the	DET
hassl-3803	252	2	government	government	NOUN
hassl-3803	252	3	of	of	ADP
hassl-3803	252	4	india	india	PROPN
hassl-3803	252	5	's	's	PART
hassl-3803	252	6	digital	digital	ADJ
hassl-3803	252	7	inclusion	inclusion	NOUN
hassl-3803	252	8	initiatives	initiative	NOUN
hassl-3803	252	9	have	have	AUX
hassl-3803	252	10	created	create	VERB
hassl-3803	252	11	a	a	DET
hassl-3803	252	12	tremendous	tremendous	ADJ
hassl-3803	252	13	push	push	NOUN
hassl-3803	252	14	for	for	ADP
hassl-3803	252	15	the	the	DET
hassl-3803	252	16	adoption	adoption	NOUN
hassl-3803	252	17	of	of	ADP
hassl-3803	252	18	the	the	DET
hassl-3803	252	19	latest	late	ADJ
hassl-3803	252	20	technology	technology	NOUN
hassl-3803	252	21	in	in	ADP
hassl-3803	252	22	service	service	NOUN
hassl-3803	252	23	delivery	delivery	NOUN
hassl-3803	252	24	,	,	PUNCT
hassl-3803	252	25	even	even	ADV
hassl-3803	252	26	for	for	ADP
hassl-3803	252	27	the	the	DET
hassl-3803	252	28	rural	rural	ADJ
hassl-3803	252	29	poor	poor	ADJ
hassl-3803	252	30	.	.	PUNCT
hassl-3803	253	1	the	the	DET
hassl-3803	253	2	development	development	NOUN
hassl-3803	253	3	of	of	ADP
hassl-3803	253	4	digital	digital	ADJ
hassl-3803	253	5	infrastructure	infrastructure	NOUN
hassl-3803	253	6	,	,	PUNCT
hassl-3803	253	7	the	the	DET
hassl-3803	253	8	delivery	delivery	NOUN
hassl-3803	253	9	of	of	ADP
hassl-3803	253	10	government	government	NOUN
hassl-3803	253	11	services	service	NOUN
hassl-3803	253	12	through	through	ADP
hassl-3803	253	13	digital	digital	ADJ
hassl-3803	253	14	channels	channel	NOUN
hassl-3803	253	15	,	,	PUNCT
hassl-3803	253	16	and	and	CCONJ
hassl-3803	253	17	efforts	effort	NOUN
hassl-3803	253	18	at	at	ADP
hassl-3803	253	19	improving	improve	VERB
hassl-3803	253	20	digital	digital	ADJ
hassl-3803	253	21	literacy	literacy	NOUN
hassl-3803	253	22	can	can	AUX
hassl-3803	253	23	prove	prove	VERB
hassl-3803	253	24	to	to	PART
hassl-3803	253	25	create	create	VERB
hassl-3803	253	26	positive	positive	ADJ
hassl-3803	253	27	outcomes	outcome	NOUN
hassl-3803	253	28	in	in	ADP
hassl-3803	253	29	terms	term	NOUN
hassl-3803	253	30	of	of	ADP
hassl-3803	253	31	the	the	DET
hassl-3803	253	32	adoption	adoption	NOUN
hassl-3803	253	33	of	of	ADP
hassl-3803	253	34	digital	digital	ADJ
hassl-3803	253	35	and	and	CCONJ
hassl-3803	253	36	technology	technology	NOUN
hassl-3803	253	37	-	-	PUNCT
hassl-3803	253	38	based	base	VERB
hassl-3803	253	39	financial	financial	ADJ
hassl-3803	253	40	services	service	NOUN
hassl-3803	253	41	.	.	PUNCT
hassl-3803	254	1	the	the	DET
hassl-3803	254	2	economic	economic	ADJ
hassl-3803	254	3	reforms	reform	NOUN
hassl-3803	254	4	of	of	ADP
hassl-3803	254	5	the	the	DET
hassl-3803	254	6	past	past	NOUN
hassl-3803	254	7	have	have	AUX
hassl-3803	254	8	now	now	ADV
hassl-3803	254	9	given	give	VERB
hassl-3803	254	10	way	way	NOUN
hassl-3803	254	11	to	to	ADP
hassl-3803	254	12	digital	digital	ADJ
hassl-3803	254	13	reforms	reform	NOUN
hassl-3803	254	14	.	.	PUNCT
hassl-3803	255	1	future	future	ADJ
hassl-3803	255	2	studies	study	NOUN
hassl-3803	255	3	on	on	ADP
hassl-3803	255	4	the	the	DET
hassl-3803	255	5	intention	intention	NOUN
hassl-3803	255	6	to	to	PART
hassl-3803	255	7	adopt	adopt	VERB
hassl-3803	255	8	digital	digital	ADJ
hassl-3803	255	9	services	service	NOUN
hassl-3803	255	10	can	can	AUX
hassl-3803	255	11	also	also	ADV
hassl-3803	255	12	focus	focus	VERB
hassl-3803	255	13	on	on	ADP
hassl-3803	255	14	how	how	SCONJ
hassl-3803	255	15	government	government	NOUN
hassl-3803	255	16	initiatives	initiative	NOUN
hassl-3803	255	17	have	have	AUX
hassl-3803	255	18	acted	act	VERB
hassl-3803	255	19	as	as	ADP
hassl-3803	255	20	a	a	DET
hassl-3803	255	21	vehicle	vehicle	NOUN
hassl-3803	255	22	for	for	ADP
hassl-3803	255	23	the	the	DET
hassl-3803	255	24	rapid	rapid	ADJ
hassl-3803	255	25	digitization	digitization	NOUN
hassl-3803	255	26	of	of	ADP
hassl-3803	255	27	the	the	DET
hassl-3803	255	28	indian	indian	ADJ
hassl-3803	255	29	economy	economy	NOUN
hassl-3803	255	30	.	.	PUNCT
hassl-3803	256	1	a	a	DET
hassl-3803	256	2	focus	focus	NOUN
hassl-3803	256	3	may	may	AUX
hassl-3803	256	4	also	also	ADV
hassl-3803	256	5	be	be	AUX
hassl-3803	256	6	made	make	VERB
hassl-3803	256	7	on	on	ADP
hassl-3803	256	8	whether	whether	SCONJ
hassl-3803	256	9	there	there	PRON
hassl-3803	256	10	is	be	VERB
hassl-3803	256	11	a	a	DET
hassl-3803	256	12	digital	digital	ADJ
hassl-3803	256	13	divide	divide	NOUN
hassl-3803	256	14	among	among	ADP
hassl-3803	256	15	the	the	DET
hassl-3803	256	16	rural	rural	ADJ
hassl-3803	256	17	and	and	CCONJ
hassl-3803	256	18	urban	urban	ADJ
hassl-3803	256	19	populations	population	NOUN
hassl-3803	256	20	and	and	CCONJ
hassl-3803	256	21	to	to	PART
hassl-3803	256	22	gain	gain	VERB
hassl-3803	256	23	insights	insight	NOUN
hassl-3803	256	24	into	into	ADP
hassl-3803	256	25	its	its	PRON
hassl-3803	256	26	causes	cause	NOUN
hassl-3803	256	27	.	.	PUNCT
hassl-3803	257	1	funding	funding	NOUN
hassl-3803	257	2	:	:	PUNCT
hassl-3803	257	3	this	this	DET
hassl-3803	257	4	study	study	NOUN
hassl-3803	257	5	received	receive	VERB
hassl-3803	257	6	no	no	DET
hassl-3803	257	7	specific	specific	ADJ
hassl-3803	257	8	financial	financial	ADJ
hassl-3803	257	9	support	support	NOUN
hassl-3803	257	10	.	.	PUNCT
hassl-3803	258	1	institutional	institutional	ADJ
hassl-3803	258	2	review	review	PROPN
hassl-3803	258	3	board	board	NOUN
hassl-3803	258	4	statement	statement	NOUN
hassl-3803	258	5	:	:	PUNCT
hassl-3803	258	6	the	the	DET
hassl-3803	258	7	ethical	ethical	ADJ
hassl-3803	258	8	committee	committee	NOUN
hassl-3803	258	9	of	of	ADP
hassl-3803	258	10	the	the	DET
hassl-3803	258	11	rajagiri	rajagiri	NOUN
hassl-3803	258	12	college	college	NOUN
hassl-3803	258	13	of	of	ADP
hassl-3803	258	14	social	social	ADJ
hassl-3803	258	15	sciences	sciences	PROPN
hassl-3803	258	16	,	,	PUNCT
hassl-3803	258	17	india	india	PROPN
hassl-3803	258	18	has	have	AUX
hassl-3803	258	19	granted	grant	VERB
hassl-3803	258	20	approval	approval	NOUN
hassl-3803	258	21	for	for	ADP
hassl-3803	258	22	this	this	DET
hassl-3803	258	23	study	study	NOUN
hassl-3803	258	24	(	(	PUNCT
hassl-3803	258	25	ref	ref	NOUN
hassl-3803	258	26	.	.	PUNCT
hassl-3803	259	1	no	no	INTJ
hassl-3803	259	2	.	.	PUNCT
hassl-3803	260	1	rcss	rcss	ADJ
hassl-3803	260	2	/	/	SYM
hassl-3803	260	3	ies/003/2024	ies/003/2024	NOUN
hassl-3803	260	4	)	)	PUNCT
hassl-3803	260	5	.	.	PUNCT
hassl-3803	261	1	transparency	transparency	NOUN
hassl-3803	261	2	:	:	PUNCT
hassl-3803	261	3	the	the	DET
hassl-3803	261	4	authors	author	NOUN
hassl-3803	261	5	state	state	VERB
hassl-3803	261	6	that	that	SCONJ
hassl-3803	261	7	the	the	DET
hassl-3803	261	8	manuscript	manuscript	NOUN
hassl-3803	261	9	is	be	AUX
hassl-3803	261	10	honest	honest	ADJ
hassl-3803	261	11	,	,	PUNCT
hassl-3803	261	12	truthful	truthful	ADJ
hassl-3803	261	13	,	,	PUNCT
hassl-3803	261	14	and	and	CCONJ
hassl-3803	261	15	transparent	transparent	ADJ
hassl-3803	261	16	,	,	PUNCT
hassl-3803	261	17	that	that	SCONJ
hassl-3803	261	18	no	no	DET
hassl-3803	261	19	key	key	ADJ
hassl-3803	261	20	aspects	aspect	NOUN
hassl-3803	261	21	of	of	ADP
hassl-3803	261	22	the	the	DET
hassl-3803	261	23	investigation	investigation	NOUN
hassl-3803	261	24	have	have	AUX
hassl-3803	261	25	been	be	AUX
hassl-3803	261	26	omitted	omit	VERB
hassl-3803	261	27	,	,	PUNCT
hassl-3803	261	28	and	and	CCONJ
hassl-3803	261	29	that	that	SCONJ
hassl-3803	261	30	any	any	DET
hassl-3803	261	31	differences	difference	NOUN
hassl-3803	261	32	from	from	ADP
hassl-3803	261	33	the	the	DET
hassl-3803	261	34	study	study	NOUN
hassl-3803	261	35	as	as	SCONJ
hassl-3803	261	36	planned	plan	VERB
hassl-3803	261	37	have	have	AUX
hassl-3803	261	38	been	be	AUX
hassl-3803	261	39	clarified	clarify	VERB
hassl-3803	261	40	.	.	PUNCT
hassl-3803	262	1	this	this	DET
hassl-3803	262	2	study	study	NOUN
hassl-3803	262	3	followed	follow	VERB
hassl-3803	262	4	all	all	PRON
hassl-3803	262	5	writing	write	VERB
hassl-3803	262	6	ethics	ethic	NOUN
hassl-3803	262	7	.	.	PUNCT
hassl-3803	263	1	competing	compete	VERB
hassl-3803	263	2	interests	interest	NOUN
hassl-3803	263	3	:	:	PUNCT
hassl-3803	263	4	the	the	DET
hassl-3803	263	5	authors	author	NOUN
hassl-3803	263	6	declare	declare	VERB
hassl-3803	263	7	that	that	SCONJ
hassl-3803	263	8	they	they	PRON
hassl-3803	263	9	have	have	VERB
hassl-3803	263	10	no	no	DET
hassl-3803	263	11	competing	compete	VERB
hassl-3803	263	12	interests	interest	NOUN
hassl-3803	263	13	.	.	PUNCT
hassl-3803	264	1	authors	author	NOUN
hassl-3803	264	2	’	'	PUNCT
hassl-3803	264	3	contributions	contribution	NOUN
hassl-3803	264	4	:	:	PUNCT
hassl-3803	264	5	both	both	DET
hassl-3803	264	6	authors	author	NOUN
hassl-3803	264	7	contributed	contribute	VERB
hassl-3803	264	8	equally	equally	ADV
hassl-3803	264	9	to	to	ADP
hassl-3803	264	10	the	the	DET
hassl-3803	264	11	conception	conception	NOUN
hassl-3803	264	12	and	and	CCONJ
hassl-3803	264	13	design	design	NOUN
hassl-3803	264	14	of	of	ADP
hassl-3803	264	15	the	the	DET
hassl-3803	264	16	study	study	NOUN
hassl-3803	264	17	.	.	PUNCT
hassl-3803	265	1	both	both	DET
hassl-3803	265	2	authors	author	NOUN
hassl-3803	265	3	have	have	AUX
hassl-3803	265	4	read	read	VERB
hassl-3803	265	5	and	and	CCONJ
hassl-3803	265	6	agreed	agree	VERB
hassl-3803	265	7	to	to	ADP
hassl-3803	265	8	the	the	DET
hassl-3803	265	9	published	publish	VERB
hassl-3803	265	10	version	version	NOUN
hassl-3803	265	11	of	of	ADP
hassl-3803	265	12	the	the	DET
hassl-3803	265	13	manuscript	manuscript	NOUN
hassl-3803	265	14	.	.	PUNCT
hassl-3803	266	1	references	reference	NOUN
hassl-3803	266	2	acemoglu	acemoglu	PROPN
hassl-3803	266	3	,	,	PUNCT
hassl-3803	266	4	d.	d.	PROPN
hassl-3803	266	5	,	,	PUNCT
hassl-3803	266	6	hazell	hazell	PROPN
hassl-3803	266	7	,	,	PUNCT
hassl-3803	266	8	j.	j.	PROPN
hassl-3803	266	9	,	,	PUNCT
hassl-3803	266	10	&	&	CCONJ
hassl-3803	266	11	restrepo	restrepo	PROPN
hassl-3803	266	12	,	,	PUNCT
hassl-3803	266	13	p.	p.	NOUN
hassl-3803	266	14	(	(	PUNCT
hassl-3803	266	15	2020	2020	NUM
hassl-3803	266	16	)	)	PUNCT
hassl-3803	266	17	.	.	PUNCT
hassl-3803	267	1	ai	ai	VERB
hassl-3803	267	2	and	and	CCONJ
hassl-3803	267	3	jobs	job	NOUN
hassl-3803	267	4	:	:	PUNCT
hassl-3803	267	5	evidence	evidence	NOUN
hassl-3803	267	6	from	from	ADP
hassl-3803	267	7	online	online	ADJ
hassl-3803	267	8	vacancies	vacancy	NOUN
hassl-3803	267	9	.	.	PUNCT
hassl-3803	268	1	nber	nber	PROPN
hassl-3803	268	2	working	working	PROPN
hassl-3803	268	3	paper	paper	PROPN
hassl-3803	268	4	series	series	NOUN
hassl-3803	268	5	,	,	PUNCT
hassl-3803	268	6	no	no	INTJ
hassl-3803	268	7	.	.	NOUN
hassl-3803	268	8	28257	28257	NUM
hassl-3803	268	9	.	.	PUNCT
hassl-3803	269	1	ajzen	ajzen	NOUN
hassl-3803	269	2	,	,	PUNCT
hassl-3803	269	3	i.	i.	NOUN
hassl-3803	269	4	(	(	PUNCT
hassl-3803	269	5	1991	1991	NUM
hassl-3803	269	6	)	)	PUNCT
hassl-3803	269	7	.	.	PUNCT
hassl-3803	270	1	the	the	DET
hassl-3803	270	2	theory	theory	NOUN
hassl-3803	270	3	of	of	ADP
hassl-3803	270	4	planned	plan	VERB
hassl-3803	270	5	behavior	behavior	NOUN
hassl-3803	270	6	.	.	PUNCT
hassl-3803	271	1	organizational	organizational	ADJ
hassl-3803	271	2	behaviour	behaviour	NOUN
hassl-3803	271	3	and	and	CCONJ
hassl-3803	271	4	human	human	ADJ
hassl-3803	271	5	decision	decision	NOUN
hassl-3803	271	6	processes	process	NOUN
hassl-3803	271	7	,	,	PUNCT
hassl-3803	271	8	50(2	50(2	NUM
hassl-3803	271	9	)	)	PUNCT
hassl-3803	271	10	,	,	PUNCT
hassl-3803	271	11	179	179	NUM
hassl-3803	271	12	-	-	SYM
hassl-3803	271	13	211	211	NUM
hassl-3803	271	14	.	.	PUNCT
hassl-3803	272	1	https://doi.org/10.1016/0749-5978(91)90020-t	https://doi.org/10.1016/0749-5978(91)90020-t	PROPN
hassl-3803	272	2	https://doi.org/10.1016/0749-5978(91)90020-t	https://doi.org/10.1016/0749-5978(91)90020-t	PROPN
hassl-3803	272	3	humanities	humanity	NOUN
hassl-3803	272	4	and	and	CCONJ
hassl-3803	272	5	social	social	ADJ
hassl-3803	272	6	sciences	science	NOUN
hassl-3803	272	7	letters	letter	NOUN
hassl-3803	272	8	,	,	PUNCT
hassl-3803	272	9	2024	2024	NUM
hassl-3803	272	10	,	,	PUNCT
hassl-3803	272	11	12(3	12(3	NUM
hassl-3803	272	12	):	):	PUNCT
hassl-3803	272	13	543	543	NUM
hassl-3803	272	14	-	-	SYM
hassl-3803	272	15	555	555	NUM
hassl-3803	272	16	553	553	NUM
hassl-3803	272	17	©	©	PROPN
hassl-3803	272	18	2024	2024	NUM
hassl-3803	272	19	conscientia	conscientia	PROPN
hassl-3803	272	20	beam	beam	PROPN
hassl-3803	272	21	.	.	PUNCT
hassl-3803	273	1	all	all	DET
hassl-3803	273	2	rights	right	NOUN
hassl-3803	273	3	reserved	reserve	VERB
hassl-3803	273	4	.	.	PUNCT
hassl-3803	274	1	ajzen	ajzen	NOUN
hassl-3803	274	2	,	,	PUNCT
hassl-3803	274	3	i.	i.	NOUN
hassl-3803	274	4	,	,	PUNCT
hassl-3803	274	5	&	&	CCONJ
hassl-3803	274	6	driver	driver	PROPN
hassl-3803	274	7	,	,	PUNCT
hassl-3803	274	8	b.	b.	PROPN
hassl-3803	274	9	l.	l.	PROPN
hassl-3803	274	10	(	(	PUNCT
hassl-3803	274	11	1991	1991	NUM
hassl-3803	274	12	)	)	PUNCT
hassl-3803	274	13	.	.	PUNCT
hassl-3803	275	1	prediction	prediction	NOUN
hassl-3803	275	2	of	of	ADP
hassl-3803	275	3	leisure	leisure	NOUN
hassl-3803	275	4	participation	participation	NOUN
hassl-3803	275	5	from	from	ADP
hassl-3803	275	6	behavioral	behavioral	ADJ
hassl-3803	275	7	,	,	PUNCT
hassl-3803	275	8	normative	normative	ADJ
hassl-3803	275	9	,	,	PUNCT
hassl-3803	275	10	and	and	CCONJ
hassl-3803	275	11	control	control	NOUN
hassl-3803	275	12	beliefs	belief	NOUN
hassl-3803	275	13	:	:	PUNCT
hassl-3803	275	14	an	an	DET
hassl-3803	275	15	application	application	NOUN
hassl-3803	275	16	of	of	ADP
hassl-3803	275	17	the	the	DET
hassl-3803	275	18	theory	theory	NOUN
hassl-3803	275	19	of	of	ADP
hassl-3803	275	20	planned	plan	VERB
hassl-3803	275	21	behavior	behavior	NOUN
hassl-3803	275	22	.	.	PUNCT
hassl-3803	276	1	leisure	leisure	NOUN
hassl-3803	276	2	sciences	sciences	PROPN
hassl-3803	276	3	,	,	PUNCT
hassl-3803	276	4	13(3	13(3	NUM
hassl-3803	276	5	)	)	PUNCT
hassl-3803	276	6	,	,	PUNCT
hassl-3803	276	7	185	185	NUM
hassl-3803	276	8	-	-	SYM
hassl-3803	276	9	204	204	NUM
hassl-3803	276	10	.	.	PUNCT
hassl-3803	277	1	https://doi.org/10.1080/01490409109513137	https://doi.org/10.1080/01490409109513137	X
hassl-3803	277	2	ajzen	ajzen	NOUN
hassl-3803	277	3	,	,	PUNCT
hassl-3803	277	4	i.	i.	NOUN
hassl-3803	277	5	,	,	PUNCT
hassl-3803	277	6	&	&	CCONJ
hassl-3803	277	7	fishbein	fishbein	PROPN
hassl-3803	277	8	,	,	PUNCT
hassl-3803	277	9	m.	m.	NOUN
hassl-3803	277	10	(	(	PUNCT
hassl-3803	277	11	1980	1980	NUM
hassl-3803	277	12	)	)	PUNCT
hassl-3803	277	13	.	.	PUNCT
hassl-3803	278	1	understanding	understand	VERB
hassl-3803	278	2	attitudes	attitude	NOUN
hassl-3803	278	3	and	and	CCONJ
hassl-3803	278	4	predicting	predict	VERB
hassl-3803	278	5	social	social	ADJ
hassl-3803	278	6	behaviour	behaviour	NOUN
hassl-3803	278	7	.	.	PUNCT
hassl-3803	279	1	englewood	englewood	PROPN
hassl-3803	279	2	cliffs	cliffs	PROPN
hassl-3803	279	3	,	,	PUNCT
hassl-3803	279	4	nj	nj	PROPN
hassl-3803	279	5	:	:	PUNCT
hassl-3803	279	6	prentice	prentice	NOUN
hassl-3803	279	7	-	-	PUNCT
hassl-3803	279	8	hall	hall	NOUN
hassl-3803	279	9	.	.	PUNCT
hassl-3803	280	1	ajzen	ajzen	PROPN
hassl-3803	280	2	,	,	PUNCT
hassl-3803	280	3	i.	i.	PROPN
hassl-3803	280	4	,	,	PUNCT
hassl-3803	280	5	joyce	joyce	PROPN
hassl-3803	280	6	,	,	PUNCT
hassl-3803	280	7	n.	n.	NOUN
hassl-3803	280	8	,	,	PUNCT
hassl-3803	280	9	sheikh	sheikh	PROPN
hassl-3803	280	10	,	,	PUNCT
hassl-3803	280	11	s.	s.	PROPN
hassl-3803	280	12	,	,	PUNCT
hassl-3803	280	13	&	&	CCONJ
hassl-3803	280	14	cote	cote	PROPN
hassl-3803	280	15	,	,	PUNCT
hassl-3803	280	16	n.	n.	PROPN
hassl-3803	280	17	g.	g.	PROPN
hassl-3803	280	18	(	(	PUNCT
hassl-3803	280	19	2011	2011	NUM
hassl-3803	280	20	)	)	PUNCT
hassl-3803	280	21	.	.	PUNCT
hassl-3803	281	1	knowledge	knowledge	NOUN
hassl-3803	281	2	and	and	CCONJ
hassl-3803	281	3	the	the	DET
hassl-3803	281	4	prediction	prediction	NOUN
hassl-3803	281	5	of	of	ADP
hassl-3803	281	6	behavior	behavior	NOUN
hassl-3803	281	7	:	:	PUNCT
hassl-3803	281	8	the	the	DET
hassl-3803	281	9	role	role	NOUN
hassl-3803	281	10	of	of	ADP
hassl-3803	281	11	information	information	NOUN
hassl-3803	281	12	accuracy	accuracy	NOUN
hassl-3803	281	13	in	in	ADP
hassl-3803	281	14	the	the	DET
hassl-3803	281	15	theory	theory	NOUN
hassl-3803	281	16	of	of	ADP
hassl-3803	281	17	planned	plan	VERB
hassl-3803	281	18	behavior	behavior	NOUN
hassl-3803	281	19	.	.	PUNCT
hassl-3803	282	1	basic	basic	ADJ
hassl-3803	282	2	and	and	CCONJ
hassl-3803	282	3	applied	apply	VERB
hassl-3803	282	4	social	social	ADJ
hassl-3803	282	5	psychology	psychology	NOUN
hassl-3803	282	6	,	,	PUNCT
hassl-3803	282	7	33(2	33(2	NUM
hassl-3803	282	8	)	)	PUNCT
hassl-3803	282	9	,	,	PUNCT
hassl-3803	282	10	101	101	NUM
hassl-3803	282	11	-	-	SYM
hassl-3803	282	12	117	117	NUM
hassl-3803	282	13	.	.	PUNCT
hassl-3803	283	1	https://doi.org/10.1080/01973533.2011.568834	https://doi.org/10.1080/01973533.2011.568834	PROPN
hassl-3803	283	2	arafat	arafat	PROPN
hassl-3803	283	3	,	,	PUNCT
hassl-3803	283	4	y.	y.	PROPN
hassl-3803	283	5	,	,	PUNCT
hassl-3803	283	6	&	&	CCONJ
hassl-3803	283	7	ibrahim	ibrahim	PROPN
hassl-3803	283	8	,	,	PUNCT
hassl-3803	283	9	m.	m.	NOUN
hassl-3803	283	10	i.	i.	PROPN
hassl-3803	283	11	m.	m.	PROPN
hassl-3803	283	12	(	(	PUNCT
hassl-3803	283	13	2018	2018	NUM
hassl-3803	283	14	)	)	PUNCT
hassl-3803	283	15	.	.	PUNCT
hassl-3803	284	1	the	the	DET
hassl-3803	284	2	use	use	NOUN
hassl-3803	284	3	of	of	ADP
hassl-3803	284	4	measurements	measurement	NOUN
hassl-3803	284	5	and	and	CCONJ
hassl-3803	284	6	health	health	NOUN
hassl-3803	284	7	behavioral	behavioral	ADJ
hassl-3803	284	8	models	model	NOUN
hassl-3803	284	9	to	to	PART
hassl-3803	284	10	improve	improve	VERB
hassl-3803	284	11	medication	medication	NOUN
hassl-3803	284	12	adherence	adherence	NOUN
hassl-3803	284	13	.	.	PUNCT
hassl-3803	285	1	in	in	ADP
hassl-3803	285	2	social	social	ADJ
hassl-3803	285	3	and	and	CCONJ
hassl-3803	285	4	administrative	administrative	ADJ
hassl-3803	285	5	aspects	aspect	NOUN
hassl-3803	285	6	of	of	ADP
hassl-3803	285	7	pharmacy	pharmacy	NOUN
hassl-3803	285	8	in	in	ADP
hassl-3803	285	9	low	low	ADJ
hassl-3803	285	10	-	-	PUNCT
hassl-3803	285	11	and	and	CCONJ
hassl-3803	285	12	middle	middle	ADJ
hassl-3803	285	13	-	-	PUNCT
hassl-3803	285	14	income	income	NOUN
hassl-3803	285	15	countries	country	NOUN
hassl-3803	285	16	.	.	PUNCT
hassl-3803	286	1	social	social	ADJ
hassl-3803	286	2	and	and	CCONJ
hassl-3803	286	3	administrative	administrative	ADJ
hassl-3803	286	4	aspects	aspect	NOUN
hassl-3803	286	5	of	of	ADP
hassl-3803	286	6	pharmacy	pharmacy	NOUN
hassl-3803	286	7	in	in	ADP
hassl-3803	286	8	lowand	lowand	ADJ
hassl-3803	286	9	middle	middle	ADJ
hassl-3803	286	10	-	-	PUNCT
hassl-3803	286	11	income	income	NOUN
hassl-3803	286	12	countries	country	NOUN
hassl-3803	286	13	,	,	PUNCT
hassl-3803	286	14	53	53	NUM
hassl-3803	286	15	-	-	SYM
hassl-3803	286	16	69	69	NUM
hassl-3803	286	17	.	.	PUNCT
hassl-3803	287	1	https://doi.org/978-0-12-811228-1	https://doi.org/978-0-12-811228-1	X
hassl-3803	287	2	asare	asare	ADJ
hassl-3803	287	3	,	,	PUNCT
hassl-3803	287	4	m.	m.	NOUN
hassl-3803	287	5	(	(	PUNCT
hassl-3803	287	6	2015	2015	NUM
hassl-3803	287	7	)	)	PUNCT
hassl-3803	287	8	.	.	PUNCT
hassl-3803	288	1	using	use	VERB
hassl-3803	288	2	the	the	DET
hassl-3803	288	3	theory	theory	NOUN
hassl-3803	288	4	of	of	ADP
hassl-3803	288	5	planned	plan	VERB
hassl-3803	288	6	behavior	behavior	NOUN
hassl-3803	288	7	to	to	PART
hassl-3803	288	8	determine	determine	VERB
hassl-3803	288	9	the	the	DET
hassl-3803	288	10	condom	condom	NOUN
hassl-3803	288	11	use	use	NOUN
hassl-3803	288	12	behavior	behavior	NOUN
hassl-3803	288	13	among	among	ADP
hassl-3803	288	14	college	college	NOUN
hassl-3803	288	15	students	student	NOUN
hassl-3803	288	16	.	.	PUNCT
hassl-3803	289	1	american	american	PROPN
hassl-3803	289	2	journal	journal	PROPN
hassl-3803	289	3	of	of	ADP
hassl-3803	289	4	health	health	NOUN
hassl-3803	289	5	studies	study	NOUN
hassl-3803	289	6	,	,	PUNCT
hassl-3803	289	7	30(1	30(1	NUM
hassl-3803	289	8	)	)	PUNCT
hassl-3803	289	9	,	,	PUNCT
hassl-3803	289	10	43	43	NUM
hassl-3803	289	11	-	-	SYM
hassl-3803	289	12	50	50	NUM
hassl-3803	289	13	.	.	PUNCT
hassl-3803	290	1	https://doi.org/10.47779/ajhs.2015.168	https://doi.org/10.47779/ajhs.2015.168	NOUN
hassl-3803	290	2	bagozzi	bagozzi	NOUN
hassl-3803	290	3	,	,	PUNCT
hassl-3803	290	4	r.	r.	PROPN
hassl-3803	290	5	,	,	PUNCT
hassl-3803	290	6	&	&	CCONJ
hassl-3803	290	7	yi	yi	PROPN
hassl-3803	290	8	,	,	PUNCT
hassl-3803	290	9	y.	y.	PROPN
hassl-3803	290	10	(	(	PUNCT
hassl-3803	290	11	1988	1988	NUM
hassl-3803	290	12	)	)	PUNCT
hassl-3803	290	13	.	.	PUNCT
hassl-3803	291	1	on	on	ADP
hassl-3803	291	2	the	the	DET
hassl-3803	291	3	evaluation	evaluation	NOUN
hassl-3803	291	4	of	of	ADP
hassl-3803	291	5	structural	structural	ADJ
hassl-3803	291	6	equation	equation	NOUN
hassl-3803	291	7	models	model	NOUN
hassl-3803	291	8	.	.	PUNCT
hassl-3803	292	1	journal	journal	NOUN
hassl-3803	292	2	of	of	ADP
hassl-3803	292	3	the	the	DET
hassl-3803	292	4	academy	academy	NOUN
hassl-3803	292	5	of	of	ADP
hassl-3803	292	6	marketing	marketing	NOUN
hassl-3803	292	7	sciences	science	NOUN
hassl-3803	292	8	,	,	PUNCT
hassl-3803	292	9	16	16	NUM
hassl-3803	292	10	,	,	PUNCT
hassl-3803	292	11	7494	7494	NUM
hassl-3803	292	12	.	.	PUNCT
hassl-3803	293	1	http://dx.doi.org/10.1007/bf02723327	http://dx.doi.org/10.1007/bf02723327	PROPN
hassl-3803	293	2	baker	baker	PROPN
hassl-3803	293	3	,	,	PUNCT
hassl-3803	293	4	w.	w.	PROPN
hassl-3803	293	5	e.	e.	PROPN
hassl-3803	293	6	,	,	PUNCT
hassl-3803	293	7	al‐gahtani	al‐gahtani	PROPN
hassl-3803	293	8	,	,	PUNCT
hassl-3803	293	9	s.	s.	PROPN
hassl-3803	293	10	s.	s.	PROPN
hassl-3803	293	11	,	,	PUNCT
hassl-3803	293	12	&	&	CCONJ
hassl-3803	293	13	hubona	hubona	PROPN
hassl-3803	293	14	,	,	PUNCT
hassl-3803	293	15	g.	g.	PROPN
hassl-3803	293	16	s.	s.	PROPN
hassl-3803	293	17	(	(	PUNCT
hassl-3803	293	18	2007	2007	NUM
hassl-3803	293	19	)	)	PUNCT
hassl-3803	293	20	.	.	PUNCT
hassl-3803	294	1	the	the	DET
hassl-3803	294	2	effects	effect	NOUN
hassl-3803	294	3	of	of	ADP
hassl-3803	294	4	gender	gender	NOUN
hassl-3803	294	5	and	and	CCONJ
hassl-3803	294	6	age	age	NOUN
hassl-3803	294	7	on	on	ADP
hassl-3803	294	8	new	new	ADJ
hassl-3803	294	9	technology	technology	NOUN
hassl-3803	294	10	implementation	implementation	NOUN
hassl-3803	294	11	in	in	ADP
hassl-3803	294	12	a	a	DET
hassl-3803	294	13	developing	develop	VERB
hassl-3803	294	14	country	country	NOUN
hassl-3803	294	15	:	:	PUNCT
hassl-3803	294	16	testing	test	VERB
hassl-3803	294	17	the	the	DET
hassl-3803	294	18	theory	theory	NOUN
hassl-3803	294	19	of	of	ADP
hassl-3803	294	20	planned	plan	VERB
hassl-3803	294	21	behavior	behavior	NOUN
hassl-3803	294	22	(	(	PUNCT
hassl-3803	294	23	tpb	tpb	NOUN
hassl-3803	294	24	)	)	PUNCT
hassl-3803	294	25	.	.	PUNCT
hassl-3803	295	1	information	information	NOUN
hassl-3803	295	2	technology	technology	PROPN
hassl-3803	295	3	&	&	CCONJ
hassl-3803	295	4	people	people	NOUN
hassl-3803	295	5	,	,	PUNCT
hassl-3803	295	6	20(4	20(4	NOUN
hassl-3803	295	7	)	)	PUNCT
hassl-3803	295	8	,	,	PUNCT
hassl-3803	295	9	352	352	NUM
hassl-3803	295	10	-	-	SYM
hassl-3803	295	11	375	375	NUM
hassl-3803	295	12	.	.	PUNCT
hassl-3803	296	1	https://doi.org/10.1108/09593840710839798	https://doi.org/10.1108/09593840710839798	PROPN
hassl-3803	296	2	bosnjak	bosnjak	PROPN
hassl-3803	296	3	,	,	PUNCT
hassl-3803	296	4	m.	m.	NOUN
hassl-3803	296	5	,	,	PUNCT
hassl-3803	296	6	ajzen	ajzen	NOUN
hassl-3803	296	7	,	,	PUNCT
hassl-3803	296	8	i.	i.	NOUN
hassl-3803	296	9	,	,	PUNCT
hassl-3803	296	10	&	&	CCONJ
hassl-3803	296	11	schmidt	schmidt	PROPN
hassl-3803	296	12	,	,	PUNCT
hassl-3803	296	13	p.	p.	NOUN
hassl-3803	296	14	(	(	PUNCT
hassl-3803	296	15	2020	2020	NUM
hassl-3803	296	16	)	)	PUNCT
hassl-3803	296	17	.	.	PUNCT
hassl-3803	297	1	the	the	DET
hassl-3803	297	2	theory	theory	NOUN
hassl-3803	297	3	of	of	ADP
hassl-3803	297	4	planned	planned	ADJ
hassl-3803	297	5	behaviour	behaviour	NOUN
hassl-3803	297	6	:	:	PUNCT
hassl-3803	297	7	selected	select	VERB
hassl-3803	297	8	recent	recent	ADJ
hassl-3803	297	9	advances	advance	NOUN
hassl-3803	297	10	and	and	CCONJ
hassl-3803	297	11	applications	application	NOUN
hassl-3803	297	12	.	.	PUNCT
hassl-3803	298	1	europe	europe	PROPN
hassl-3803	298	2	's	's	PART
hassl-3803	298	3	journal	journal	PROPN
hassl-3803	298	4	of	of	ADP
hassl-3803	298	5	psychology	psychology	NOUN
hassl-3803	298	6	,	,	PUNCT
hassl-3803	298	7	16(3	16(3	PROPN
hassl-3803	298	8	)	)	PUNCT
hassl-3803	298	9	,	,	PUNCT
hassl-3803	298	10	352	352	NUM
hassl-3803	298	11	-	-	SYM
hassl-3803	298	12	356	356	NUM
hassl-3803	298	13	.	.	PUNCT
hassl-3803	299	1	https://doi.org/10.5964/ejop.v16i3.3107	https://doi.org/10.5964/ejop.v16i3.3107	PROPN
hassl-3803	299	2	brynjolfsson	brynjolfsson	PROPN
hassl-3803	299	3	,	,	PUNCT
hassl-3803	299	4	e.	e.	PROPN
hassl-3803	299	5	,	,	PUNCT
hassl-3803	299	6	rock	rock	PROPN
hassl-3803	299	7	,	,	PUNCT
hassl-3803	299	8	d.	d.	PROPN
hassl-3803	299	9	,	,	PUNCT
hassl-3803	299	10	&	&	CCONJ
hassl-3803	299	11	syverson	syverson	PROPN
hassl-3803	299	12	,	,	PUNCT
hassl-3803	299	13	c.	c.	NOUN
hassl-3803	299	14	(	(	PUNCT
hassl-3803	299	15	2019	2019	NUM
hassl-3803	299	16	)	)	PUNCT
hassl-3803	299	17	.	.	PUNCT
hassl-3803	300	1	artificial	artificial	ADJ
hassl-3803	300	2	intelligence	intelligence	NOUN
hassl-3803	300	3	and	and	CCONJ
hassl-3803	300	4	the	the	DET
hassl-3803	300	5	modern	modern	ADJ
hassl-3803	300	6	productivity	productivity	NOUN
hassl-3803	300	7	paradox	paradox	NOUN
hassl-3803	300	8	:	:	PUNCT
hassl-3803	300	9	a	a	DET
hassl-3803	300	10	clash	clash	NOUN
hassl-3803	300	11	of	of	ADP
hassl-3803	300	12	expectations	expectation	NOUN
hassl-3803	300	13	and	and	CCONJ
hassl-3803	300	14	statistics	statistic	NOUN
hassl-3803	300	15	.	.	PUNCT
hassl-3803	301	1	in	in	ADP
hassl-3803	301	2	agarawal	agarawal	NOUN
hassl-3803	301	3	a.	a.	NOUN
hassl-3803	301	4	,	,	PUNCT
hassl-3803	301	5	gans	gans	PROPN
hassl-3803	301	6	j.	j.	PROPN
hassl-3803	301	7	and	and	CCONJ
hassl-3803	301	8	goldfarb	goldfarb	PROPN
hassl-3803	301	9	(	(	PUNCT
hassl-3803	301	10	eds	ed	NOUN
hassl-3803	301	11	.	.	PUNCT
hassl-3803	301	12	)	)	PUNCT
hassl-3803	301	13	,	,	PUNCT
hassl-3803	301	14	the	the	DET
hassl-3803	301	15	economics	economic	NOUN
hassl-3803	301	16	of	of	ADP
hassl-3803	301	17	artificial	artificial	ADJ
hassl-3803	301	18	intelligence	intelligence	NOUN
hassl-3803	301	19	:	:	PUNCT
hassl-3803	301	20	an	an	DET
hassl-3803	301	21	agenda	agenda	NOUN
hassl-3803	301	22	.	.	PUNCT
hassl-3803	302	1	in	in	ADP
hassl-3803	302	2	(	(	PUNCT
hassl-3803	302	3	pp	pp	ADJ
hassl-3803	302	4	.	.	PUNCT
hassl-3803	303	1	23–57	23–57	NUM
hassl-3803	303	2	):	):	PUNCT
hassl-3803	303	3	university	university	NOUN
hassl-3803	303	4	of	of	ADP
hassl-3803	303	5	chicago	chicago	PROPN
hassl-3803	303	6	press	press	PROPN
hassl-3803	303	7	.	.	PUNCT
hassl-3803	304	1	carriere	carriere	PROPN
hassl-3803	304	2	-	-	PUNCT
hassl-3803	304	3	swallow	swallow	PROPN
hassl-3803	304	4	,	,	PUNCT
hassl-3803	304	5	y.	y.	PROPN
hassl-3803	304	6	,	,	PUNCT
hassl-3803	304	7	haksar	haksar	PROPN
hassl-3803	304	8	,	,	PUNCT
hassl-3803	304	9	v.	v.	PROPN
hassl-3803	304	10	,	,	PUNCT
hassl-3803	304	11	&	&	CCONJ
hassl-3803	304	12	patnam	patnam	PROPN
hassl-3803	304	13	,	,	PUNCT
hassl-3803	304	14	m.	m.	NOUN
hassl-3803	304	15	(	(	PUNCT
hassl-3803	304	16	2021	2021	NUM
hassl-3803	304	17	)	)	PUNCT
hassl-3803	304	18	.	.	PUNCT
hassl-3803	305	1	stacking	stack	VERB
hassl-3803	305	2	up	up	ADP
hassl-3803	305	3	financial	financial	ADJ
hassl-3803	305	4	inclusion	inclusion	NOUN
hassl-3803	305	5	gains	gain	NOUN
hassl-3803	305	6	in	in	ADP
hassl-3803	305	7	india	india	PROPN
hassl-3803	305	8	.	.	PUNCT
hassl-3803	306	1	finance	finance	PROPN
hassl-3803	306	2	&	&	CCONJ
hassl-3803	306	3	development	development	PROPN
hassl-3803	306	4	.	.	PUNCT
hassl-3803	307	1	internationa	internationa	VERB
hassl-3803	307	2	monetary	monetary	ADJ
hassl-3803	307	3	fund	fund	PROPN
hassl-3803	307	4	.	.	PUNCT
hassl-3803	308	1	retrieved	retrieve	VERB
hassl-3803	308	2	from	from	ADP
hassl-3803	308	3	https://www.imf.org/external/pubs/ft/fandd/2021/07/india-stackfinancial-access-and-digital-inclusion.html	https://www.imf.org/external/pubs/ft/fandd/2021/07/india-stackfinancial-access-and-digital-inclusion.html	NOUN
hassl-3803	308	4	clark	clark	PROPN
hassl-3803	308	5	,	,	PUNCT
hassl-3803	308	6	l.	l.	PROPN
hassl-3803	308	7	,	,	PUNCT
hassl-3803	308	8	&	&	CCONJ
hassl-3803	308	9	watson	watson	PROPN
hassl-3803	308	10	,	,	PUNCT
hassl-3803	308	11	d.	d.	PROPN
hassl-3803	308	12	(	(	PUNCT
hassl-3803	308	13	1995	1995	NUM
hassl-3803	308	14	)	)	PUNCT
hassl-3803	308	15	.	.	PUNCT
hassl-3803	309	1	constructing	construct	VERB
hassl-3803	309	2	validity	validity	NOUN
hassl-3803	309	3	:	:	PUNCT
hassl-3803	309	4	basic	basic	ADJ
hassl-3803	309	5	issues	issue	NOUN
hassl-3803	309	6	in	in	ADP
hassl-3803	309	7	objective	objective	ADJ
hassl-3803	309	8	scale	scale	NOUN
hassl-3803	309	9	development	development	NOUN
hassl-3803	309	10	.	.	PUNCT
hassl-3803	310	1	psychological	psychological	ADJ
hassl-3803	310	2	assessment	assessment	NOUN
hassl-3803	310	3	,	,	PUNCT
hassl-3803	310	4	7	7	NUM
hassl-3803	310	5	,	,	PUNCT
hassl-3803	310	6	309	309	NUM
hassl-3803	310	7	-	-	SYM
hassl-3803	310	8	319	319	NUM
hassl-3803	310	9	.	.	PUNCT
hassl-3803	311	1	cohen	cohen	PROPN
hassl-3803	311	2	,	,	PUNCT
hassl-3803	311	3	j.	j.	PROPN
hassl-3803	311	4	,	,	PUNCT
hassl-3803	311	5	west	west	PROPN
hassl-3803	311	6	,	,	PUNCT
hassl-3803	311	7	s.	s.	PROPN
hassl-3803	311	8	g.	g.	PROPN
hassl-3803	311	9	,	,	PUNCT
hassl-3803	311	10	cohen	cohen	PROPN
hassl-3803	311	11	,	,	PUNCT
hassl-3803	311	12	p.	p.	PROPN
hassl-3803	311	13	,	,	PUNCT
hassl-3803	311	14	&	&	CCONJ
hassl-3803	311	15	aiken	aiken	PROPN
hassl-3803	311	16	,	,	PUNCT
hassl-3803	311	17	l.	l.	PROPN
hassl-3803	311	18	(	(	PUNCT
hassl-3803	311	19	2003	2003	NUM
hassl-3803	311	20	)	)	PUNCT
hassl-3803	311	21	.	.	PUNCT
hassl-3803	312	1	applied	apply	VERB
hassl-3803	312	2	multiple	multiple	ADJ
hassl-3803	312	3	regression	regression	NOUN
hassl-3803	312	4	/	/	SYM
hassl-3803	312	5	correlation	correlation	NOUN
hassl-3803	312	6	analysis	analysis	NOUN
hassl-3803	312	7	for	for	ADP
hassl-3803	312	8	the	the	DET
hassl-3803	312	9	behavioural	behavioural	ADJ
hassl-3803	312	10	sciences	science	NOUN
hassl-3803	312	11	(	(	PUNCT
hassl-3803	312	12	3rd	3rd	ADJ
hassl-3803	312	13	ed	ed	NOUN
hassl-3803	312	14	.	.	PUNCT
hassl-3803	312	15	)	)	PUNCT
hassl-3803	312	16	.	.	PUNCT
hassl-3803	313	1	hillsdale	hillsdale	PROPN
hassl-3803	313	2	,	,	PUNCT
hassl-3803	313	3	nj	nj	PROPN
hassl-3803	313	4	:	:	PUNCT
hassl-3803	313	5	lawrence	lawrence	PROPN
hassl-3803	313	6	erlbaum	erlbaum	PROPN
hassl-3803	313	7	.	.	PUNCT
hassl-3803	314	1	cooper	cooper	PROPN
hassl-3803	314	2	,	,	PUNCT
hassl-3803	314	3	g.	g.	PROPN
hassl-3803	314	4	,	,	PUNCT
hassl-3803	314	5	barkatsas	barkatsa	NOUN
hassl-3803	314	6	,	,	PUNCT
hassl-3803	314	7	t.	t.	PROPN
hassl-3803	314	8	,	,	PUNCT
hassl-3803	314	9	&	&	CCONJ
hassl-3803	314	10	strathdee	strathdee	PROPN
hassl-3803	314	11	,	,	PUNCT
hassl-3803	314	12	r.	r.	PROPN
hassl-3803	314	13	(	(	PUNCT
hassl-3803	314	14	2016	2016	NUM
hassl-3803	314	15	)	)	PUNCT
hassl-3803	314	16	.	.	PUNCT
hassl-3803	315	1	the	the	DET
hassl-3803	315	2	theory	theory	NOUN
hassl-3803	315	3	of	of	ADP
hassl-3803	315	4	planned	plan	VERB
hassl-3803	315	5	behaviour	behaviour	NOUN
hassl-3803	315	6	(	(	PUNCT
hassl-3803	315	7	tpb	tpb	NOUN
hassl-3803	315	8	)	)	PUNCT
hassl-3803	315	9	in	in	ADP
hassl-3803	315	10	educational	educational	ADJ
hassl-3803	315	11	research	research	NOUN
hassl-3803	315	12	using	use	VERB
hassl-3803	315	13	structural	structural	ADJ
hassl-3803	315	14	equation	equation	NOUN
hassl-3803	315	15	modelling	modelling	NOUN
hassl-3803	315	16	(	(	PUNCT
hassl-3803	315	17	sem	sem	NOUN
hassl-3803	315	18	)	)	PUNCT
hassl-3803	315	19	.	.	PUNCT
hassl-3803	316	1	in	in	ADP
hassl-3803	316	2	:	:	PUNCT
hassl-3803	316	3	barkatsas	barkatsa	NOUN
hassl-3803	316	4	,	,	PUNCT
hassl-3803	316	5	t.	t.	PROPN
hassl-3803	316	6	,	,	PUNCT
hassl-3803	316	7	bertram	bertram	PROPN
hassl-3803	316	8	,	,	PUNCT
hassl-3803	316	9	a.	a.	NOUN
hassl-3803	316	10	(	(	PUNCT
hassl-3803	316	11	eds	eds	PROPN
hassl-3803	316	12	.	.	PUNCT
hassl-3803	316	13	)	)	PUNCT
hassl-3803	316	14	,	,	PUNCT
hassl-3803	316	15	global	global	ADJ
hassl-3803	316	16	learning	learning	NOUN
hassl-3803	316	17	in	in	ADP
hassl-3803	316	18	the	the	DET
hassl-3803	316	19	21st	21st	ADJ
hassl-3803	316	20	century	century	NOUN
hassl-3803	316	21	.	.	PUNCT
hassl-3803	317	1	global	global	ADJ
hassl-3803	317	2	education	education	NOUN
hassl-3803	317	3	in	in	ADP
hassl-3803	317	4	the	the	DET
hassl-3803	317	5	21st	21st	ADJ
hassl-3803	317	6	century	century	NOUN
hassl-3803	317	7	series	series	NOUN
hassl-3803	317	8	.	.	PUNCT
hassl-3803	318	1	rotterdam	rotterdam	NOUN
hassl-3803	318	2	:	:	PUNCT
hassl-3803	318	3	sense	sense	NOUN
hassl-3803	318	4	publishers	publisher	NOUN
hassl-3803	318	5	.	.	PUNCT
hassl-3803	319	1	https://doi.org/10.1007/978-94-6300-761-0_9	https://doi.org/10.1007/978-94-6300-761-0_9	PROPN
hassl-3803	319	2	.	.	PUNCT
hassl-3803	320	1	das	das	PROPN
hassl-3803	320	2	,	,	PUNCT
hassl-3803	320	3	s.	s.	PROPN
hassl-3803	320	4	k.	k.	PROPN
hassl-3803	320	5	(	(	PUNCT
hassl-3803	320	6	2015	2015	NUM
hassl-3803	320	7	)	)	PUNCT
hassl-3803	320	8	.	.	PUNCT
hassl-3803	321	1	aadhaar	aadhaar	NOUN
hassl-3803	321	2	-	-	PUNCT
hassl-3803	321	3	based	base	VERB
hassl-3803	321	4	financial	financial	ADJ
hassl-3803	321	5	inclusion	inclusion	NOUN
hassl-3803	321	6	for	for	ADP
hassl-3803	321	7	the	the	DET
hassl-3803	321	8	poor	poor	ADJ
hassl-3803	321	9	.	.	PUNCT
hassl-3803	322	1	making	make	VERB
hassl-3803	322	2	the	the	DET
hassl-3803	322	3	poor	poor	ADJ
hassl-3803	322	4	free	free	ADJ
hassl-3803	322	5	?	?	PUNCT
hassl-3803	323	1	india	india	PROPN
hassl-3803	323	2	's	's	PART
hassl-3803	323	3	unique	unique	ADJ
hassl-3803	323	4	identification	identification	NOUN
hassl-3803	323	5	number	number	NOUN
hassl-3803	323	6	.	.	PUNCT
hassl-3803	324	1	retrieved	retrieve	VERB
hassl-3803	324	2	from	from	ADP
hassl-3803	324	3	https://doi.org/10.1093/acprof:oso/9780199453290.003.0014	https://doi.org/10.1093/acprof:oso/9780199453290.003.0014	NUM
hassl-3803	324	4	deloitte	deloitte	NOUN
hassl-3803	324	5	.	.	PUNCT
hassl-3803	325	1	(	(	PUNCT
hassl-3803	325	2	2016	2016	NUM
hassl-3803	325	3	)	)	PUNCT
hassl-3803	325	4	.	.	PUNCT
hassl-3803	326	1	digital	digital	ADJ
hassl-3803	326	2	:	:	PUNCT
hassl-3803	326	3	a	a	DET
hassl-3803	326	4	revolution	revolution	NOUN
hassl-3803	326	5	in	in	ADP
hassl-3803	326	6	the	the	DET
hassl-3803	326	7	making	making	NOUN
hassl-3803	326	8	in	in	ADP
hassl-3803	326	9	india	india	PROPN
hassl-3803	326	10	:	:	PUNCT
hassl-3803	326	11	confederation	confederation	NOUN
hassl-3803	326	12	of	of	ADP
hassl-3803	326	13	indian	indian	PROPN
hassl-3803	326	14	industry	industry	NOUN
hassl-3803	326	15	.	.	PUNCT
hassl-3803	327	1	retrieved	retrieve	VERB
hassl-3803	327	2	from	from	ADP
hassl-3803	327	3	https://www2.deloitte.com/content/dam/deloitte/in/documents/technology-media-telecommunications/in-tmtdigital-revolution-in-making-cii-noexp.pdf	https://www2.deloitte.com/content/dam/deloitte/in/documents/technology-media-telecommunications/in-tmtdigital-revolution-in-making-cii-noexp.pdf	PROPN
hassl-3803	327	4	deloitte	deloitte	PROPN
hassl-3803	327	5	.	.	PUNCT
hassl-3803	328	1	(	(	PUNCT
hassl-3803	328	2	2017	2017	NUM
hassl-3803	328	3	)	)	PUNCT
hassl-3803	328	4	.	.	PUNCT
hassl-3803	329	1	fintech	fintech	NOUN
hassl-3803	329	2	in	in	ADP
hassl-3803	329	3	india	india	PROPN
hassl-3803	329	4	:	:	PUNCT
hassl-3803	329	5	ready	ready	ADJ
hassl-3803	329	6	for	for	ADP
hassl-3803	329	7	breakout	breakout	NOUN
hassl-3803	329	8	.	.	PUNCT
hassl-3803	330	1	internet	internet	NOUN
hassl-3803	330	2	and	and	CCONJ
hassl-3803	330	3	mobile	mobile	PROPN
hassl-3803	330	4	association	association	PROPN
hassl-3803	330	5	of	of	ADP
hassl-3803	330	6	india	india	PROPN
hassl-3803	330	7	.	.	PUNCT
hassl-3803	331	1	retrieved	retrieve	VERB
hassl-3803	331	2	from	from	ADP
hassl-3803	331	3	https://www2.deloitte.com/content/dam/deloitte/in/documents/financial-services/in-fs-fintech-india-ready-forbreakout-noexp.pdf	https://www2.deloitte.com/content/dam/deloitte/in/documents/financial-services/in-fs-fintech-india-ready-forbreakout-noexp.pdf	PROPN
hassl-3803	331	4	deloitte	deloitte	PROPN
hassl-3803	331	5	.	.	PUNCT
hassl-3803	332	1	(	(	PUNCT
hassl-3803	332	2	2017a	2017a	NUM
hassl-3803	332	3	)	)	PUNCT
hassl-3803	332	4	.	.	PUNCT
hassl-3803	333	1	fintech	fintech	NOUN
hassl-3803	333	2	in	in	ADP
hassl-3803	333	3	india	india	PROPN
hassl-3803	333	4	:	:	PUNCT
hassl-3803	333	5	ready	ready	ADJ
hassl-3803	333	6	for	for	ADP
hassl-3803	333	7	breakout	breakout	NOUN
hassl-3803	333	8	.	.	PUNCT
hassl-3803	334	1	retrieved	retrieve	VERB
hassl-3803	334	2	from	from	ADP
hassl-3803	334	3	https://www2.deloitte.com/content/dam/deloitte/in/documents/financial-services/in-fs-fintech-india-ready-forbreakout-noexp.pdf	https://www2.deloitte.com/content/dam/deloitte/in/documents/financial-services/in-fs-fintech-india-ready-forbreakout-noexp.pdf	PROPN
hassl-3803	334	4	https://doi.org/10.1080/01490409109513137	https://doi.org/10.1080/01490409109513137	NOUN
hassl-3803	334	5	https://doi.org/10.1080/01973533.2011.568834	https://doi.org/10.1080/01973533.2011.568834	X
hassl-3803	334	6	https://doi.org/978-0-12-811228-1	https://doi.org/978-0-12-811228-1	X
hassl-3803	334	7	https://doi.org/10.47779/ajhs.2015.168	https://doi.org/10.47779/ajhs.2015.168	NOUN
hassl-3803	334	8	http://dx.doi.org/10.1007/bf02723327	http://dx.doi.org/10.1007/bf02723327	VERB
hassl-3803	334	9	https://doi.org/10.1108/09593840710839798	https://doi.org/10.1108/09593840710839798	NOUN
hassl-3803	334	10	https://doi.org/10.5964/ejop.v16i3.3107	https://doi.org/10.5964/ejop.v16i3.3107	PUNCT
hassl-3803	334	11	https://www.imf.org/external/pubs/ft/fandd/2021/07/india-stack-financial-access-and-digital-inclusion.html	https://www.imf.org/external/pubs/ft/fandd/2021/07/india-stack-financial-access-and-digital-inclusion.html	NOUN
hassl-3803	334	12	https://www.imf.org/external/pubs/ft/fandd/2021/07/india-stack-financial-access-and-digital-inclusion.html	https://www.imf.org/external/pubs/ft/fandd/2021/07/india-stack-financial-access-and-digital-inclusion.html	NOUN
hassl-3803	334	13	https://doi.org/10.1007/978-94-6300-761-0_9	https://doi.org/10.1007/978-94-6300-761-0_9	AUX
hassl-3803	334	14	https://doi.org/10.1093/acprof:oso/9780199453290.003.0014	https://doi.org/10.1093/acprof:oso/9780199453290.003.0014	NUM
hassl-3803	334	15	https://www2.deloitte.com/content/dam/deloitte/in/documents/technology-media-telecommunications/in-tmt-digital-revolution-in-making-cii-noexp.pdf	https://www2.deloitte.com/content/dam/deloitte/in/documents/technology-media-telecommunications/in-tmt-digital-revolution-in-making-cii-noexp.pdf	NOUN
hassl-3803	334	16	https://www2.deloitte.com/content/dam/deloitte/in/documents/technology-media-telecommunications/in-tmt-digital-revolution-in-making-cii-noexp.pdf	https://www2.deloitte.com/content/dam/deloitte/in/documents/technology-media-telecommunications/in-tmt-digital-revolution-in-making-cii-noexp.pdf	NOUN
hassl-3803	334	17	https://www2.deloitte.com/content/dam/deloitte/in/documents/financial-services/in-fs-fintech-india-ready-for-breakout-noexp.pdf	https://www2.deloitte.com/content/dam/deloitte/in/documents/financial-services/in-fs-fintech-india-ready-for-breakout-noexp.pdf	ADJ
hassl-3803	334	18	https://www2.deloitte.com/content/dam/deloitte/in/documents/financial-services/in-fs-fintech-india-ready-for-breakout-noexp.pdf	https://www2.deloitte.com/content/dam/deloitte/in/documents/financial-services/in-fs-fintech-india-ready-for-breakout-noexp.pdf	ADJ
hassl-3803	334	19	https://www2.deloitte.com/content/dam/deloitte/in/documents/financial-services/in-fs-fintech-india-ready-for-breakout-noexp.pdf	https://www2.deloitte.com/content/dam/deloitte/in/documents/financial-services/in-fs-fintech-india-ready-for-breakout-noexp.pdf	ADJ
hassl-3803	334	20	https://www2.deloitte.com/content/dam/deloitte/in/documents/financial-services/in-fs-fintech-india-ready-for-breakout-noexp.pdf	https://www2.deloitte.com/content/dam/deloitte/in/documents/financial-services/in-fs-fintech-india-ready-for-breakout-noexp.pdf	NOUN
hassl-3803	334	21	humanities	humanity	NOUN
hassl-3803	334	22	and	and	CCONJ
hassl-3803	334	23	social	social	ADJ
hassl-3803	334	24	sciences	science	NOUN
hassl-3803	334	25	letters	letter	NOUN
hassl-3803	334	26	,	,	PUNCT
hassl-3803	334	27	2024	2024	NUM
hassl-3803	334	28	,	,	PUNCT
hassl-3803	334	29	12(3	12(3	NUM
hassl-3803	334	30	):	):	PUNCT
hassl-3803	334	31	543	543	NUM
hassl-3803	334	32	-	-	SYM
hassl-3803	334	33	555	555	NUM
hassl-3803	334	34	554	554	NUM
hassl-3803	334	35	©	©	ADP
hassl-3803	334	36	2024	2024	NUM
hassl-3803	334	37	conscientia	conscientia	PROPN
hassl-3803	334	38	beam	beam	PROPN
hassl-3803	334	39	.	.	PUNCT
hassl-3803	335	1	all	all	DET
hassl-3803	335	2	rights	right	NOUN
hassl-3803	335	3	reserved	reserve	VERB
hassl-3803	335	4	.	.	PUNCT
hassl-3803	336	1	ernst	ernst	PROPN
hassl-3803	336	2	,	,	PUNCT
hassl-3803	336	3	&	&	CCONJ
hassl-3803	336	4	young	young	ADJ
hassl-3803	336	5	.	.	PUNCT
hassl-3803	337	1	(	(	PUNCT
hassl-3803	337	2	2022	2022	NUM
hassl-3803	337	3	)	)	PUNCT
hassl-3803	337	4	.	.	PUNCT
hassl-3803	338	1	the	the	DET
hassl-3803	338	2	winds	wind	NOUN
hassl-3803	338	3	of	of	ADP
hassl-3803	338	4	change	change	NOUN
hassl-3803	338	5	trends	trend	NOUN
hassl-3803	338	6	shaping	shape	VERB
hassl-3803	338	7	india	india	PROPN
hassl-3803	338	8	’s	’s	PART
hassl-3803	338	9	fintech	fintech	NOUN
hassl-3803	338	10	sector	sector	NOUN
hassl-3803	338	11	:	:	PUNCT
hassl-3803	338	12	edition	edition	PROPN
hassl-3803	338	13	ii	ii	PROPN
hassl-3803	338	14	.	.	PUNCT
hassl-3803	339	1	payments	payment	NOUN
hassl-3803	339	2	council	council	PROPN
hassl-3803	339	3	of	of	ADP
hassl-3803	339	4	india	india	PROPN
hassl-3803	339	5	,	,	PUNCT
hassl-3803	339	6	fintech	fintech	NOUN
hassl-3803	339	7	convergence	convergence	NOUN
hassl-3803	339	8	council	council	NOUN
hassl-3803	339	9	,	,	PUNCT
hassl-3803	339	10	ernst	ernst	PROPN
hassl-3803	339	11	&	&	CCONJ
hassl-3803	339	12	young	young	PROPN
hassl-3803	339	13	.	.	PUNCT
hassl-3803	340	1	the	the	DET
hassl-3803	340	2	winds	wind	NOUN
hassl-3803	340	3	of	of	ADP
hassl-3803	340	4	change	change	NOUN
hassl-3803	340	5	trends	trend	NOUN
hassl-3803	340	6	shaping	shape	VERB
hassl-3803	340	7	india	india	PROPN
hassl-3803	340	8	’s	’s	PART
hassl-3803	340	9	fintech	fintech	NOUN
hassl-3803	340	10	sector	sector	NOUN
hassl-3803	340	11	.	.	PUNCT
hassl-3803	341	1	retrieved	retrieve	VERB
hassl-3803	341	2	from	from	ADP
hassl-3803	341	3	https://globalfintechfest.com/theme/default/doc/gff-winds-of-change.pdf	https://globalfintechfest.com/theme/default/doc/gff-winds-of-change.pdf	PROPN
hassl-3803	341	4	felten	felten	PROPN
hassl-3803	341	5	,	,	PUNCT
hassl-3803	341	6	e.	e.	PROPN
hassl-3803	341	7	,	,	PUNCT
hassl-3803	341	8	raj	raj	PROPN
hassl-3803	341	9	,	,	PUNCT
hassl-3803	341	10	m.	m.	NOUN
hassl-3803	341	11	,	,	PUNCT
hassl-3803	341	12	&	&	CCONJ
hassl-3803	341	13	seamans	seamans	PROPN
hassl-3803	341	14	,	,	PUNCT
hassl-3803	341	15	r.	r.	PROPN
hassl-3803	341	16	(	(	PUNCT
hassl-3803	341	17	2021	2021	NUM
hassl-3803	341	18	)	)	PUNCT
hassl-3803	341	19	.	.	PUNCT
hassl-3803	342	1	occupational	occupational	ADJ
hassl-3803	342	2	,	,	PUNCT
hassl-3803	342	3	industry	industry	NOUN
hassl-3803	342	4	,	,	PUNCT
hassl-3803	342	5	and	and	CCONJ
hassl-3803	342	6	geographic	geographic	ADJ
hassl-3803	342	7	exposure	exposure	NOUN
hassl-3803	342	8	to	to	ADP
hassl-3803	342	9	artificial	artificial	ADJ
hassl-3803	342	10	intelligence	intelligence	NOUN
hassl-3803	342	11	:	:	PUNCT
hassl-3803	342	12	a	a	DET
hassl-3803	342	13	novel	novel	NOUN
hassl-3803	342	14	dataset	dataset	NOUN
hassl-3803	342	15	and	and	CCONJ
hassl-3803	342	16	its	its	PRON
hassl-3803	342	17	potential	potential	ADJ
hassl-3803	342	18	uses	use	NOUN
hassl-3803	342	19	.	.	PUNCT
hassl-3803	343	1	strategic	strategic	ADJ
hassl-3803	343	2	management	management	NOUN
hassl-3803	343	3	journal	journal	NOUN
hassl-3803	343	4	,	,	PUNCT
hassl-3803	343	5	42(12	42(12	NUM
hassl-3803	343	6	)	)	PUNCT
hassl-3803	343	7	,	,	PUNCT
hassl-3803	343	8	2195	2195	NUM
hassl-3803	343	9	-	-	SYM
hassl-3803	343	10	2217	2217	NUM
hassl-3803	343	11	.	.	PUNCT
hassl-3803	344	1	https://doi.org/10.1002/smj.3286	https://doi.org/10.1002/smj.3286	ADJ
hassl-3803	344	2	fishbein	fishbein	NOUN
hassl-3803	344	3	,	,	PUNCT
hassl-3803	344	4	m.	m.	NOUN
hassl-3803	344	5	,	,	PUNCT
hassl-3803	344	6	&	&	CCONJ
hassl-3803	344	7	ajzen	ajzen	PROPN
hassl-3803	344	8	,	,	PUNCT
hassl-3803	344	9	i.	i.	NOUN
hassl-3803	344	10	(	(	PUNCT
hassl-3803	344	11	1975	1975	NUM
hassl-3803	344	12	)	)	PUNCT
hassl-3803	344	13	.	.	PUNCT
hassl-3803	345	1	belief	belief	NOUN
hassl-3803	345	2	,	,	PUNCT
hassl-3803	345	3	attitude	attitude	NOUN
hassl-3803	345	4	,	,	PUNCT
hassl-3803	345	5	intention	intention	NOUN
hassl-3803	345	6	,	,	PUNCT
hassl-3803	345	7	and	and	CCONJ
hassl-3803	345	8	behaviour	behaviour	NOUN
hassl-3803	345	9	:	:	PUNCT
hassl-3803	345	10	an	an	DET
hassl-3803	345	11	introduction	introduction	NOUN
hassl-3803	345	12	to	to	ADP
hassl-3803	345	13	theory	theory	NOUN
hassl-3803	345	14	and	and	CCONJ
hassl-3803	345	15	research	research	NOUN
hassl-3803	345	16	.	.	PUNCT
hassl-3803	346	1	reading	reading	NOUN
hassl-3803	346	2	,	,	PUNCT
hassl-3803	346	3	ma	ma	PROPN
hassl-3803	346	4	:	:	PUNCT
hassl-3803	346	5	addison	addison	PROPN
hassl-3803	346	6	-	-	PUNCT
hassl-3803	346	7	wesley	wesley	PROPN
hassl-3803	346	8	.	.	PUNCT
hassl-3803	347	1	gefen	gefen	NOUN
hassl-3803	347	2	,	,	PUNCT
hassl-3803	347	3	d.	d.	PROPN
hassl-3803	347	4	,	,	PUNCT
hassl-3803	347	5	&	&	CCONJ
hassl-3803	347	6	straub	straub	PROPN
hassl-3803	347	7	,	,	PUNCT
hassl-3803	347	8	d.	d.	PROPN
hassl-3803	347	9	(	(	PUNCT
hassl-3803	347	10	2005	2005	NUM
hassl-3803	347	11	)	)	PUNCT
hassl-3803	347	12	.	.	PUNCT
hassl-3803	348	1	a	a	DET
hassl-3803	348	2	practical	practical	ADJ
hassl-3803	348	3	guide	guide	NOUN
hassl-3803	348	4	to	to	ADP
hassl-3803	348	5	factorial	factorial	ADJ
hassl-3803	348	6	validity	validity	NOUN
hassl-3803	348	7	using	use	VERB
hassl-3803	348	8	pls	pls	NOUN
hassl-3803	348	9	-	-	PUNCT
hassl-3803	348	10	graph	graph	NOUN
hassl-3803	348	11	:	:	PUNCT
hassl-3803	348	12	tutorial	tutorial	NOUN
hassl-3803	348	13	and	and	CCONJ
hassl-3803	348	14	annotated	annotate	VERB
hassl-3803	348	15	example	example	NOUN
hassl-3803	348	16	.	.	PUNCT
hassl-3803	349	1	communications	communication	NOUN
hassl-3803	349	2	of	of	ADP
hassl-3803	349	3	the	the	DET
hassl-3803	349	4	association	association	NOUN
hassl-3803	349	5	for	for	ADP
hassl-3803	349	6	information	information	NOUN
hassl-3803	349	7	systems	system	NOUN
hassl-3803	349	8	,	,	PUNCT
hassl-3803	349	9	16	16	NUM
hassl-3803	349	10	,	,	PUNCT
hassl-3803	349	11	91	91	NUM
hassl-3803	349	12	-	-	SYM
hassl-3803	349	13	109	109	NUM
hassl-3803	349	14	.	.	PUNCT
hassl-3803	350	1	https://doi.org/10.17705/1cais.01605	https://doi.org/10.17705/1cais.01605	NOUN
hassl-3803	350	2	hair	hair	NOUN
hassl-3803	350	3	,	,	PUNCT
hassl-3803	350	4	j.	j.	PROPN
hassl-3803	350	5	f.	f.	PROPN
hassl-3803	350	6	,	,	PUNCT
hassl-3803	350	7	hult	hult	PROPN
hassl-3803	350	8	,	,	PUNCT
hassl-3803	350	9	g.	g.	PROPN
hassl-3803	350	10	t.	t.	PROPN
hassl-3803	350	11	m.	m.	PROPN
hassl-3803	350	12	,	,	PUNCT
hassl-3803	350	13	ringle	ringle	PROPN
hassl-3803	350	14	,	,	PUNCT
hassl-3803	350	15	c.	c.	PROPN
hassl-3803	350	16	m.	m.	PROPN
hassl-3803	350	17	,	,	PUNCT
hassl-3803	350	18	&	&	CCONJ
hassl-3803	350	19	sarstedt	sarstedt	NOUN
hassl-3803	350	20	,	,	PUNCT
hassl-3803	350	21	m.	m.	NOUN
hassl-3803	350	22	(	(	PUNCT
hassl-3803	350	23	2017	2017	NUM
hassl-3803	350	24	)	)	PUNCT
hassl-3803	350	25	.	.	PUNCT
hassl-3803	351	1	a	a	DET
hassl-3803	351	2	primer	primer	NOUN
hassl-3803	351	3	on	on	ADP
hassl-3803	351	4	partial	partial	ADJ
hassl-3803	351	5	least	least	ADJ
hassl-3803	351	6	squares	square	NOUN
hassl-3803	351	7	structural	structural	ADJ
hassl-3803	351	8	equation	equation	NOUN
hassl-3803	351	9	modeling	modeling	NOUN
hassl-3803	351	10	(	(	PUNCT
hassl-3803	351	11	plssem	plssem	NOUN
hassl-3803	351	12	)	)	PUNCT
hassl-3803	351	13	(	(	PUNCT
hassl-3803	351	14	2nd	2nd	NOUN
hassl-3803	351	15	ed	ed	NOUN
hassl-3803	351	16	.	.	PUNCT
hassl-3803	351	17	)	)	PUNCT
hassl-3803	351	18	.	.	PUNCT
hassl-3803	352	1	thousand	thousand	NUM
hassl-3803	352	2	oaks	oak	NOUN
hassl-3803	352	3	,	,	PUNCT
hassl-3803	352	4	ca	can	AUX
hassl-3803	352	5	:	:	PUNCT
hassl-3803	352	6	sage	sage	NOUN
hassl-3803	352	7	publications	publications	PROPN
hassl-3803	352	8	inc	inc	PROPN
hassl-3803	352	9	.	.	PROPN
hassl-3803	352	10	hair	hair	PROPN
hassl-3803	352	11	,	,	PUNCT
hassl-3803	352	12	j.	j.	PROPN
hassl-3803	352	13	f.	f.	PROPN
hassl-3803	352	14	,	,	PUNCT
hassl-3803	352	15	ringle	ringle	PROPN
hassl-3803	352	16	,	,	PUNCT
hassl-3803	352	17	c.	c.	PROPN
hassl-3803	352	18	m.	m.	PROPN
hassl-3803	352	19	,	,	PUNCT
hassl-3803	352	20	&	&	CCONJ
hassl-3803	352	21	sarstedt	sarstedt	NOUN
hassl-3803	352	22	,	,	PUNCT
hassl-3803	352	23	m.	m.	NOUN
hassl-3803	352	24	(	(	PUNCT
hassl-3803	352	25	2013	2013	NUM
hassl-3803	352	26	)	)	PUNCT
hassl-3803	352	27	.	.	PUNCT
hassl-3803	353	1	partial	partial	ADJ
hassl-3803	353	2	least	least	ADJ
hassl-3803	353	3	squares	square	VERB
hassl-3803	353	4	structural	structural	ADJ
hassl-3803	353	5	equation	equation	NOUN
hassl-3803	353	6	modeling	modeling	NOUN
hassl-3803	353	7	:	:	PUNCT
hassl-3803	353	8	rigorous	rigorous	ADJ
hassl-3803	353	9	applications	application	NOUN
hassl-3803	353	10	,	,	PUNCT
hassl-3803	353	11	better	well	ADJ
hassl-3803	353	12	results	result	NOUN
hassl-3803	353	13	and	and	CCONJ
hassl-3803	353	14	higher	high	ADJ
hassl-3803	353	15	acceptance	acceptance	NOUN
hassl-3803	353	16	.	.	PUNCT
hassl-3803	354	1	long	long	ADJ
hassl-3803	354	2	range	range	NOUN
hassl-3803	354	3	planning	planning	NOUN
hassl-3803	354	4	,	,	PUNCT
hassl-3803	354	5	46	46	NUM
hassl-3803	354	6	,	,	PUNCT
hassl-3803	354	7	1	1	NUM
hassl-3803	354	8	-	-	SYM
hassl-3803	354	9	12	12	NUM
hassl-3803	354	10	.	.	PUNCT
hassl-3803	355	1	https://doi.org/10.1016/j.lrp.2013.01.001	https://doi.org/10.1016/j.lrp.2013.01.001	ADJ
hassl-3803	355	2	henseler	henseler	NOUN
hassl-3803	355	3	,	,	PUNCT
hassl-3803	355	4	j.	j.	PROPN
hassl-3803	355	5	,	,	PUNCT
hassl-3803	355	6	ringle	ringle	PROPN
hassl-3803	355	7	,	,	PUNCT
hassl-3803	355	8	c.	c.	PROPN
hassl-3803	355	9	m.	m.	PROPN
hassl-3803	355	10	,	,	PUNCT
hassl-3803	355	11	&	&	CCONJ
hassl-3803	355	12	sarstedt	sarstedt	NOUN
hassl-3803	355	13	,	,	PUNCT
hassl-3803	355	14	m.	m.	NOUN
hassl-3803	355	15	(	(	PUNCT
hassl-3803	355	16	2015	2015	NUM
hassl-3803	355	17	)	)	PUNCT
hassl-3803	355	18	.	.	PUNCT
hassl-3803	356	1	a	a	DET
hassl-3803	356	2	new	new	ADJ
hassl-3803	356	3	criterion	criterion	NOUN
hassl-3803	356	4	for	for	ADP
hassl-3803	356	5	assessing	assess	VERB
hassl-3803	356	6	discriminant	discriminant	ADJ
hassl-3803	356	7	validity	validity	NOUN
hassl-3803	356	8	in	in	ADP
hassl-3803	356	9	variance	variance	NOUN
hassl-3803	356	10	-	-	PUNCT
hassl-3803	356	11	based	base	VERB
hassl-3803	356	12	structural	structural	ADJ
hassl-3803	356	13	equation	equation	NOUN
hassl-3803	356	14	modeling	modeling	NOUN
hassl-3803	356	15	.	.	PUNCT
hassl-3803	357	1	journal	journal	NOUN
hassl-3803	357	2	of	of	ADP
hassl-3803	357	3	the	the	DET
hassl-3803	357	4	academy	academy	NOUN
hassl-3803	357	5	of	of	ADP
hassl-3803	357	6	marketing	marketing	NOUN
hassl-3803	357	7	science	science	NOUN
hassl-3803	357	8	,	,	PUNCT
hassl-3803	357	9	43	43	NUM
hassl-3803	357	10	,	,	PUNCT
hassl-3803	357	11	115–135	115–135	NUM
hassl-3803	357	12	.	.	PUNCT
hassl-3803	358	1	https://doi.org/10.1007/s11747-0140403-8	https://doi.org/10.1007/s11747-0140403-8	NOUN
hassl-3803	358	2	henseler	henseler	PROPN
hassl-3803	358	3	,	,	PUNCT
hassl-3803	358	4	j.	j.	PROPN
hassl-3803	358	5	,	,	PUNCT
hassl-3803	358	6	&	&	CCONJ
hassl-3803	358	7	sarstedt	sarstedt	PROPN
hassl-3803	358	8	,	,	PUNCT
hassl-3803	358	9	m.	m.	NOUN
hassl-3803	358	10	(	(	PUNCT
hassl-3803	358	11	2013	2013	NUM
hassl-3803	358	12	)	)	PUNCT
hassl-3803	358	13	.	.	PUNCT
hassl-3803	359	1	goodness	goodness	NOUN
hassl-3803	359	2	-	-	PUNCT
hassl-3803	359	3	of	of	ADP
hassl-3803	359	4	-	-	PUNCT
hassl-3803	359	5	fit	fit	ADJ
hassl-3803	359	6	indices	index	NOUN
hassl-3803	359	7	for	for	ADP
hassl-3803	359	8	partial	partial	ADJ
hassl-3803	359	9	least	least	ADJ
hassl-3803	359	10	squares	square	NOUN
hassl-3803	359	11	path	path	NOUN
hassl-3803	359	12	modeling	modeling	NOUN
hassl-3803	359	13	.	.	PUNCT
hassl-3803	360	1	computational	computational	ADJ
hassl-3803	360	2	statistics	statistic	NOUN
hassl-3803	360	3	,	,	PUNCT
hassl-3803	360	4	28	28	NUM
hassl-3803	360	5	,	,	PUNCT
hassl-3803	360	6	565	565	NUM
hassl-3803	360	7	-	-	SYM
hassl-3803	360	8	580	580	NUM
hassl-3803	360	9	.	.	PUNCT
hassl-3803	361	1	https://doi.org/10.1007/s00180-012-0317-1	https://doi.org/10.1007/s00180-012-0317-1	VERB
hassl-3803	361	2	ibef	ibef	NOUN
hassl-3803	361	3	.	.	PUNCT
hassl-3803	362	1	(	(	PUNCT
hassl-3803	362	2	2023	2023	NUM
hassl-3803	362	3	)	)	PUNCT
hassl-3803	362	4	.	.	PUNCT
hassl-3803	363	1	science	science	NOUN
hassl-3803	363	2	and	and	CCONJ
hassl-3803	363	3	r&d	r&d	NOUN
hassl-3803	363	4	industry	industry	NOUN
hassl-3803	363	5	report	report	NOUN
hassl-3803	363	6	.	.	PUNCT
hassl-3803	364	1	retrieved	retrieve	VERB
hassl-3803	364	2	from	from	ADP
hassl-3803	364	3	https://www.ibef.org/industry/science-and-technology	https://www.ibef.org/industry/science-and-technology	PROPN
hassl-3803	364	4	khrais	khrais	PROPN
hassl-3803	364	5	,	,	PUNCT
hassl-3803	364	6	l.	l.	PROPN
hassl-3803	364	7	t.	t.	PROPN
hassl-3803	364	8	,	,	PUNCT
hassl-3803	364	9	&	&	CCONJ
hassl-3803	364	10	alghamdi	alghamdi	NOUN
hassl-3803	364	11	,	,	PUNCT
hassl-3803	364	12	a.	a.	NOUN
hassl-3803	364	13	m.	m.	NOUN
hassl-3803	364	14	(	(	PUNCT
hassl-3803	364	15	2021	2021	NUM
hassl-3803	364	16	)	)	PUNCT
hassl-3803	364	17	.	.	PUNCT
hassl-3803	365	1	investigating	investigate	VERB
hassl-3803	365	2	of	of	ADP
hassl-3803	365	3	mobile	mobile	ADJ
hassl-3803	365	4	learning	learning	NOUN
hassl-3803	365	5	technology	technology	NOUN
hassl-3803	365	6	acceptance	acceptance	NOUN
hassl-3803	365	7	in	in	ADP
hassl-3803	365	8	companies	company	NOUN
hassl-3803	365	9	.	.	PUNCT
hassl-3803	366	1	ilkogretim	ilkogretim	ADJ
hassl-3803	366	2	online	online	ADJ
hassl-3803	366	3	,	,	PUNCT
hassl-3803	366	4	20(3	20(3	NOUN
hassl-3803	366	5	)	)	PUNCT
hassl-3803	366	6	,	,	PUNCT
hassl-3803	366	7	1382	1382	NUM
hassl-3803	366	8	-	-	SYM
hassl-3803	366	9	1393	1393	NUM
hassl-3803	366	10	.	.	PUNCT
hassl-3803	367	1	kline	kline	PROPN
hassl-3803	367	2	,	,	PUNCT
hassl-3803	367	3	r.	r.	PROPN
hassl-3803	367	4	b.	b.	PROPN
hassl-3803	367	5	(	(	PUNCT
hassl-3803	367	6	2011	2011	NUM
hassl-3803	367	7	)	)	PUNCT
hassl-3803	367	8	.	.	PUNCT
hassl-3803	368	1	principles	principle	NOUN
hassl-3803	368	2	and	and	CCONJ
hassl-3803	368	3	practice	practice	NOUN
hassl-3803	368	4	of	of	ADP
hassl-3803	368	5	structural	structural	ADJ
hassl-3803	368	6	equation	equation	NOUN
hassl-3803	368	7	modeling	modeling	NOUN
hassl-3803	368	8	(	(	PUNCT
hassl-3803	368	9	3rd	3rd	ADJ
hassl-3803	368	10	ed	ed	NOUN
hassl-3803	368	11	.	.	PUNCT
hassl-3803	368	12	)	)	PUNCT
hassl-3803	368	13	.	.	PUNCT
hassl-3803	369	1	new	new	PROPN
hassl-3803	369	2	york	york	PROPN
hassl-3803	369	3	:	:	PUNCT
hassl-3803	369	4	guilford	guilford	PROPN
hassl-3803	369	5	press	press	PROPN
hassl-3803	369	6	.	.	PUNCT
hassl-3803	370	1	lee	lee	PROPN
hassl-3803	370	2	,	,	PUNCT
hassl-3803	370	3	j.	j.	PROPN
hassl-3803	370	4	,	,	PUNCT
hassl-3803	370	5	cerreto	cerreto	PROPN
hassl-3803	370	6	,	,	PUNCT
hassl-3803	370	7	f.	f.	PROPN
hassl-3803	370	8	a.	a.	PROPN
hassl-3803	370	9	,	,	PUNCT
hassl-3803	370	10	&	&	CCONJ
hassl-3803	370	11	lee	lee	PROPN
hassl-3803	370	12	,	,	PUNCT
hassl-3803	370	13	j.	j.	PROPN
hassl-3803	370	14	(	(	PUNCT
hassl-3803	370	15	2010	2010	NUM
hassl-3803	370	16	)	)	PUNCT
hassl-3803	370	17	.	.	PUNCT
hassl-3803	371	1	theory	theory	NOUN
hassl-3803	371	2	of	of	ADP
hassl-3803	371	3	planned	plan	VERB
hassl-3803	371	4	behavior	behavior	NOUN
hassl-3803	371	5	and	and	CCONJ
hassl-3803	371	6	teachers	teacher	NOUN
hassl-3803	371	7	'	'	PART
hassl-3803	371	8	decisions	decision	NOUN
hassl-3803	371	9	regarding	regard	VERB
hassl-3803	371	10	use	use	NOUN
hassl-3803	371	11	of	of	ADP
hassl-3803	371	12	educational	educational	ADJ
hassl-3803	371	13	technology	technology	NOUN
hassl-3803	371	14	.	.	PUNCT
hassl-3803	372	1	journal	journal	NOUN
hassl-3803	372	2	of	of	ADP
hassl-3803	372	3	educational	educational	ADJ
hassl-3803	372	4	technology	technology	NOUN
hassl-3803	372	5	&	&	CCONJ
hassl-3803	372	6	society	society	NOUN
hassl-3803	372	7	,	,	PUNCT
hassl-3803	372	8	13(1	13(1	NUM
hassl-3803	372	9	)	)	PUNCT
hassl-3803	372	10	,	,	PUNCT
hassl-3803	372	11	152	152	NUM
hassl-3803	372	12	-	-	SYM
hassl-3803	372	13	164	164	NUM
hassl-3803	372	14	.	.	PUNCT
hassl-3803	373	1	limna	limna	PROPN
hassl-3803	373	2	,	,	PUNCT
hassl-3803	373	3	p.	p.	NOUN
hassl-3803	373	4	,	,	PUNCT
hassl-3803	373	5	&	&	CCONJ
hassl-3803	373	6	kraiwanit	kraiwanit	PROPN
hassl-3803	373	7	,	,	PUNCT
hassl-3803	373	8	t.	t.	PROPN
hassl-3803	373	9	(	(	PUNCT
hassl-3803	373	10	2022	2022	NUM
hassl-3803	373	11	)	)	PUNCT
hassl-3803	373	12	.	.	PUNCT
hassl-3803	374	1	the	the	DET
hassl-3803	374	2	rise	rise	NOUN
hassl-3803	374	3	of	of	ADP
hassl-3803	374	4	fintech	fintech	NOUN
hassl-3803	374	5	:	:	PUNCT
hassl-3803	374	6	a	a	DET
hassl-3803	374	7	review	review	NOUN
hassl-3803	374	8	article	article	NOUN
hassl-3803	374	9	.	.	PUNCT
hassl-3803	375	1	stou	stou	PROPN
hassl-3803	375	2	academic	academic	ADJ
hassl-3803	375	3	journal	journal	NOUN
hassl-3803	375	4	of	of	ADP
hassl-3803	375	5	research	research	NOUN
hassl-3803	375	6	and	and	CCONJ
hassl-3803	375	7	innovation	innovation	NOUN
hassl-3803	375	8	(	(	PUNCT
hassl-3803	375	9	humanities	humanity	NOUN
hassl-3803	375	10	and	and	CCONJ
hassl-3803	375	11	social	social	ADJ
hassl-3803	375	12	science	science	NOUN
hassl-3803	375	13	)	)	PUNCT
hassl-3803	375	14	,	,	PUNCT
hassl-3803	375	15	2(2	2(2	NUM
hassl-3803	375	16	)	)	PUNCT
hassl-3803	375	17	,	,	PUNCT
hassl-3803	375	18	35	35	NUM
hassl-3803	375	19	-	-	SYM
hassl-3803	375	20	46	46	NUM
hassl-3803	375	21	.	.	PUNCT
hassl-3803	376	1	lynne	lynne	PROPN
hassl-3803	376	2	,	,	PUNCT
hassl-3803	376	3	g.	g.	PROPN
hassl-3803	376	4	d.	d.	PROPN
hassl-3803	376	5	,	,	PUNCT
hassl-3803	376	6	casey	casey	PROPN
hassl-3803	376	7	,	,	PUNCT
hassl-3803	376	8	c.	c.	PROPN
hassl-3803	376	9	f.	f.	PROPN
hassl-3803	376	10	,	,	PUNCT
hassl-3803	376	11	hodges	hodges	PROPN
hassl-3803	376	12	,	,	PUNCT
hassl-3803	376	13	a.	a.	NOUN
hassl-3803	376	14	,	,	PUNCT
hassl-3803	376	15	&	&	CCONJ
hassl-3803	376	16	rahmani	rahmani	PROPN
hassl-3803	376	17	,	,	PUNCT
hassl-3803	376	18	m.	m.	NOUN
hassl-3803	376	19	(	(	PUNCT
hassl-3803	376	20	1995	1995	NUM
hassl-3803	376	21	)	)	PUNCT
hassl-3803	376	22	.	.	PUNCT
hassl-3803	377	1	conservation	conservation	NOUN
hassl-3803	377	2	technology	technology	NOUN
hassl-3803	377	3	adoption	adoption	NOUN
hassl-3803	377	4	decisions	decision	NOUN
hassl-3803	377	5	and	and	CCONJ
hassl-3803	377	6	the	the	DET
hassl-3803	377	7	theory	theory	NOUN
hassl-3803	377	8	of	of	ADP
hassl-3803	377	9	planned	plan	VERB
hassl-3803	377	10	behavior	behavior	NOUN
hassl-3803	377	11	.	.	PUNCT
hassl-3803	378	1	journal	journal	PROPN
hassl-3803	378	2	of	of	ADP
hassl-3803	378	3	economic	economic	ADJ
hassl-3803	378	4	psychology	psychology	NOUN
hassl-3803	378	5	,	,	PUNCT
hassl-3803	378	6	16(4	16(4	NUM
hassl-3803	378	7	)	)	PUNCT
hassl-3803	378	8	,	,	PUNCT
hassl-3803	378	9	581	581	NUM
hassl-3803	378	10	-	-	SYM
hassl-3803	378	11	598	598	NUM
hassl-3803	378	12	.	.	PUNCT
hassl-3803	379	1	https://doi.org/10.1016/0167-4870(95)00031-6	https://doi.org/10.1016/0167-4870(95)00031-6	PROPN
hassl-3803	379	2	malin	malin	PROPN
hassl-3803	379	3	,	,	PUNCT
hassl-3803	379	4	s.	s.	PROPN
hassl-3803	379	5	,	,	PUNCT
hassl-3803	379	6	&	&	CCONJ
hassl-3803	379	7	tyagi	tyagi	PROPN
hassl-3803	379	8	,	,	PUNCT
hassl-3803	379	9	a.	a.	NOUN
hassl-3803	379	10	(	(	PUNCT
hassl-3803	379	11	2023	2023	NUM
hassl-3803	379	12	)	)	PUNCT
hassl-3803	379	13	.	.	PUNCT
hassl-3803	380	1	india	india	PROPN
hassl-3803	380	2	’s	’s	PART
hassl-3803	380	3	demographic	demographic	ADJ
hassl-3803	380	4	dividend	dividend	NOUN
hassl-3803	380	5	:	:	PUNCT
hassl-3803	380	6	key	key	ADJ
hassl-3803	380	7	to	to	ADP
hassl-3803	380	8	unlocking	unlock	VERB
hassl-3803	380	9	its	its	PRON
hassl-3803	380	10	global	global	ADJ
hassl-3803	380	11	intentions	intention	NOUN
hassl-3803	380	12	.	.	PUNCT
hassl-3803	381	1	s	s	PROPN
hassl-3803	381	2	&	&	CCONJ
hassl-3803	381	3	p	p	PROPN
hassl-3803	381	4	global	global	PROPN
hassl-3803	381	5	.	.	PUNCT
hassl-3803	382	1	retrieved	retrieve	VERB
hassl-3803	382	2	from	from	ADP
hassl-3803	382	3	https://www.spglobal.com/en/research-insights/featured/special-editorial/look-forward/india-s-demographicdividend-the-key-to-unlocking-its-globalambitions#:~:text=india%20is%20home%20to%20more,is%20expected%20to%20hit%2059%25	https://www.spglobal.com/en/research-insights/featured/special-editorial/look-forward/india-s-demographicdividend-the-key-to-unlocking-its-globalambitions#:~:text=india%20is%20home%20to%20more,is%20expected%20to%20hit%2059%25	PROPN
hassl-3803	382	4	mathieson	mathieson	PROPN
hassl-3803	382	5	,	,	PUNCT
hassl-3803	382	6	k.	k.	PROPN
hassl-3803	382	7	(	(	PUNCT
hassl-3803	382	8	1991	1991	NUM
hassl-3803	382	9	)	)	PUNCT
hassl-3803	382	10	.	.	PUNCT
hassl-3803	383	1	predicting	predict	VERB
hassl-3803	383	2	user	user	NOUN
hassl-3803	383	3	intentions	intention	NOUN
hassl-3803	383	4	:	:	PUNCT
hassl-3803	383	5	comparing	compare	VERB
hassl-3803	383	6	the	the	DET
hassl-3803	383	7	technology	technology	NOUN
hassl-3803	383	8	acceptance	acceptance	NOUN
hassl-3803	383	9	model	model	NOUN
hassl-3803	383	10	with	with	ADP
hassl-3803	383	11	the	the	DET
hassl-3803	383	12	theory	theory	NOUN
hassl-3803	383	13	of	of	ADP
hassl-3803	383	14	planned	plan	VERB
hassl-3803	383	15	behavior	behavior	NOUN
hassl-3803	383	16	.	.	PUNCT
hassl-3803	384	1	information	information	NOUN
hassl-3803	384	2	systems	system	NOUN
hassl-3803	384	3	research	research	NOUN
hassl-3803	384	4	,	,	PUNCT
hassl-3803	384	5	2(3	2(3	NUM
hassl-3803	384	6	)	)	PUNCT
hassl-3803	384	7	,	,	PUNCT
hassl-3803	384	8	173	173	NUM
hassl-3803	384	9	-	-	SYM
hassl-3803	384	10	191	191	NUM
hassl-3803	384	11	.	.	PUNCT
hassl-3803	385	1	https://doi.org/10.1287/isre.2.3.173	https://doi.org/10.1287/isre.2.3.173	PROPN
hassl-3803	385	2	mobarak	mobarak	PROPN
hassl-3803	385	3	,	,	PUNCT
hassl-3803	385	4	a.	a.	NOUN
hassl-3803	385	5	m.	m.	NOUN
hassl-3803	385	6	,	,	PUNCT
hassl-3803	385	7	&	&	CCONJ
hassl-3803	385	8	saldanha	saldanha	NOUN
hassl-3803	385	9	,	,	PUNCT
hassl-3803	385	10	n.	n.	NOUN
hassl-3803	385	11	a.	a.	NOUN
hassl-3803	385	12	(	(	PUNCT
hassl-3803	385	13	2022	2022	NUM
hassl-3803	385	14	)	)	PUNCT
hassl-3803	385	15	.	.	PUNCT
hassl-3803	386	1	remove	remove	VERB
hassl-3803	386	2	barriers	barrier	NOUN
hassl-3803	386	3	to	to	AUX
hassl-3803	386	4	technology	technology	VERB
hassl-3803	386	5	adoption	adoption	NOUN
hassl-3803	386	6	for	for	ADP
hassl-3803	386	7	people	people	NOUN
hassl-3803	386	8	in	in	ADP
hassl-3803	386	9	poverty	poverty	NOUN
hassl-3803	386	10	.	.	PUNCT
hassl-3803	387	1	nature	nature	NOUN
hassl-3803	387	2	human	human	ADJ
hassl-3803	387	3	behaviour	behaviour	NOUN
hassl-3803	387	4	,	,	PUNCT
hassl-3803	387	5	6(4	6(4	PROPN
hassl-3803	387	6	)	)	PUNCT
hassl-3803	387	7	,	,	PUNCT
hassl-3803	387	8	480	480	NUM
hassl-3803	387	9	-	-	SYM
hassl-3803	387	10	482	482	NUM
hassl-3803	387	11	.	.	PUNCT
hassl-3803	388	1	https://doi.org/10.1038/s41562-022-01323-9	https://doi.org/10.1038/s41562-022-01323-9	NUM
hassl-3803	388	2	morris	morris	PROPN
hassl-3803	388	3	,	,	PUNCT
hassl-3803	388	4	m.	m.	NOUN
hassl-3803	388	5	g.	g.	PROPN
hassl-3803	388	6	,	,	PUNCT
hassl-3803	388	7	venkatesh	venkatesh	PROPN
hassl-3803	388	8	,	,	PUNCT
hassl-3803	388	9	v.	v.	PROPN
hassl-3803	388	10	,	,	PUNCT
hassl-3803	388	11	&	&	CCONJ
hassl-3803	388	12	ackerman	ackerman	PROPN
hassl-3803	388	13	,	,	PUNCT
hassl-3803	388	14	p.	p.	PROPN
hassl-3803	388	15	l.	l.	PROPN
hassl-3803	388	16	(	(	PUNCT
hassl-3803	388	17	2005	2005	NUM
hassl-3803	388	18	)	)	PUNCT
hassl-3803	388	19	.	.	PUNCT
hassl-3803	389	1	gender	gender	NOUN
hassl-3803	389	2	and	and	CCONJ
hassl-3803	389	3	age	age	NOUN
hassl-3803	389	4	differences	difference	NOUN
hassl-3803	389	5	in	in	ADP
hassl-3803	389	6	employee	employee	NOUN
hassl-3803	389	7	decisions	decision	NOUN
hassl-3803	389	8	about	about	ADP
hassl-3803	389	9	new	new	ADJ
hassl-3803	389	10	technology	technology	NOUN
hassl-3803	389	11	:	:	PUNCT
hassl-3803	389	12	an	an	DET
hassl-3803	389	13	extension	extension	NOUN
hassl-3803	389	14	to	to	ADP
hassl-3803	389	15	the	the	DET
hassl-3803	389	16	theory	theory	NOUN
hassl-3803	389	17	of	of	ADP
hassl-3803	389	18	planned	plan	VERB
hassl-3803	389	19	behavior	behavior	NOUN
hassl-3803	389	20	.	.	PUNCT
hassl-3803	390	1	ieee	ieee	NOUN
hassl-3803	390	2	transactions	transaction	NOUN
hassl-3803	390	3	on	on	ADP
hassl-3803	390	4	engineering	engineering	NOUN
hassl-3803	390	5	management	management	NOUN
hassl-3803	390	6	,	,	PUNCT
hassl-3803	390	7	52(1	52(1	NOUN
hassl-3803	390	8	)	)	PUNCT
hassl-3803	390	9	,	,	PUNCT
hassl-3803	390	10	6984	6984	NUM
hassl-3803	390	11	.	.	PUNCT
hassl-3803	391	1	https://doi.org/10.1109/tem.2004.839967	https://doi.org/10.1109/tem.2004.839967	PROPN
hassl-3803	391	2	nunnally	nunnally	PROPN
hassl-3803	391	3	,	,	PUNCT
hassl-3803	391	4	j.	j.	PROPN
hassl-3803	391	5	,	,	PUNCT
hassl-3803	391	6	&	&	CCONJ
hassl-3803	391	7	bernstein	bernstein	PROPN
hassl-3803	391	8	,	,	PUNCT
hassl-3803	391	9	i.	i.	PROPN
hassl-3803	391	10	(	(	PUNCT
hassl-3803	391	11	1978	1978	NUM
hassl-3803	391	12	)	)	PUNCT
hassl-3803	391	13	.	.	PUNCT
hassl-3803	392	1	psychometric	psychometric	ADJ
hassl-3803	392	2	theory	theory	NOUN
hassl-3803	392	3	.	.	PUNCT
hassl-3803	393	1	new	new	ADJ
hassl-3803	393	2	delhi	delhi	PROPN
hassl-3803	393	3	:	:	PUNCT
hassl-3803	393	4	tata	tata	PROPN
hassl-3803	393	5	mcgraw	mcgraw	PROPN
hassl-3803	393	6	-	-	PUNCT
hassl-3803	393	7	hill	hill	NOUN
hassl-3803	393	8	.	.	PUNCT
hassl-3803	394	1	over	over	ADP
hassl-3803	394	2	50	50	NUM
hassl-3803	394	3	%	%	NOUN
hassl-3803	394	4	indians	indians	PROPN
hassl-3803	394	5	.	.	PUNCT
hassl-3803	395	1	(	(	PUNCT
hassl-3803	395	2	2023	2023	NUM
hassl-3803	395	3	)	)	PUNCT
hassl-3803	395	4	.	.	PUNCT
hassl-3803	396	1	over	over	ADP
hassl-3803	396	2	50	50	NUM
hassl-3803	396	3	%	%	NOUN
hassl-3803	396	4	indians	indian	NOUN
hassl-3803	396	5	are	be	AUX
hassl-3803	396	6	active	active	ADJ
hassl-3803	396	7	internet	internet	NOUN
hassl-3803	396	8	users	user	NOUN
hassl-3803	396	9	now	now	ADV
hassl-3803	396	10	;	;	PUNCT
hassl-3803	396	11	base	base	NOUN
hassl-3803	396	12	to	to	PART
hassl-3803	396	13	reach	reach	VERB
hassl-3803	396	14	900	900	NUM
hassl-3803	396	15	million	million	NUM
hassl-3803	396	16	by	by	ADP
hassl-3803	396	17	2025	2025	NUM
hassl-3803	396	18	:	:	PUNCT
hassl-3803	396	19	report	report	NOUN
hassl-3803	396	20	.	.	PUNCT
hassl-3803	397	1	hindu	hindu	NOUN
hassl-3803	397	2	.	.	PUNCT
hassl-3803	397	3	retrieved	retrieve	VERB
hassl-3803	397	4	from	from	ADP
hassl-3803	397	5	https://www.thehindu.com/news/national/over-50-indians-are-active-internet-users-now-base-to-reach-900million-by-2025-report/article66809522.ece	https://www.thehindu.com/news/national/over-50-indians-are-active-internet-users-now-base-to-reach-900million-by-2025-report/article66809522.ece	PROPN
hassl-3803	397	6	https://globalfintechfest.com/theme/default/doc/gff-winds-of-change.pdf	https://globalfintechfest.com/theme/default/doc/gff-winds-of-change.pdf	PROPN
hassl-3803	397	7	https://doi.org/10.1002/smj.3286	https://doi.org/10.1002/smj.3286	PROPN
hassl-3803	397	8	https://doi.org/10.17705/1cais.01605	https://doi.org/10.17705/1cais.01605	PROPN
hassl-3803	397	9	https://doi.org/10.1016/j.lrp.2013.01.001	https://doi.org/10.1016/j.lrp.2013.01.001	VERB
hassl-3803	397	10	https://doi.org/10.1007/s11747-014-0403-8	https://doi.org/10.1007/s11747-014-0403-8	NOUN
hassl-3803	397	11	https://doi.org/10.1007/s11747-014-0403-8	https://doi.org/10.1007/s11747-014-0403-8	NUM
hassl-3803	398	1	https://doi.org/10.1007/s00180-012-0317-1	https://doi.org/10.1007/s00180-012-0317-1	PROPN
hassl-3803	398	2	https://www.ibef.org/industry/science-and-technology	https://www.ibef.org/industry/science-and-technology	NOUN
hassl-3803	398	3	https://doi.org/10.1016/0167-4870(95)00031-6	https://doi.org/10.1016/0167-4870(95)00031-6	PRON
hassl-3803	398	4	https://www.spglobal.com/en/research-insights/featured/special-editorial/look-forward/india-s-demographic-dividend-the-key-to-unlocking-its-global-ambitions#:~:text=india%20is%20home%20to%20more,is%20expected%20to%20hit%2059%25	https://www.spglobal.com/en/research-insights/featured/special-editorial/look-forward/india-s-demographic-dividend-the-key-to-unlocking-its-global-ambitions#:~:text=india%20is%20home%20to%20more,is%20expected%20to%20hit%2059%25	PROPN
hassl-3803	398	5	https://www.spglobal.com/en/research-insights/featured/special-editorial/look-forward/india-s-demographic-dividend-the-key-to-unlocking-its-global-ambitions#:~:text=india%20is%20home%20to%20more,is%20expected%20to%20hit%2059%25	https://www.spglobal.com/en/research-insights/featured/special-editorial/look-forward/india-s-demographic-dividend-the-key-to-unlocking-its-global-ambitions#:~:text=india%20is%20home%20to%20more,is%20expected%20to%20hit%2059%25	PROPN
hassl-3803	398	6	https://www.spglobal.com/en/research-insights/featured/special-editorial/look-forward/india-s-demographic-dividend-the-key-to-unlocking-its-global-ambitions#:~:text=india%20is%20home%20to%20more,is%20expected%20to%20hit%2059%25	https://www.spglobal.com/en/research-insights/featured/special-editorial/look-forward/india-s-demographic-dividend-the-key-to-unlocking-its-global-ambitions#:~:text=india%20is%20home%20to%20more,is%20expected%20to%20hit%2059%25	PROPN
hassl-3803	399	1	https://doi.org/10.1287/isre.2.3.173	https://doi.org/10.1287/isre.2.3.173	PROPN
hassl-3803	399	2	https://doi.org/10.1038/s41562-022-01323-9	https://doi.org/10.1038/s41562-022-01323-9	NUM
hassl-3803	399	3	https://doi.org/10.1109/tem.2004.839967	https://doi.org/10.1109/tem.2004.839967	PROPN
hassl-3803	399	4	https://www.thehindu.com/news/national/over-50-indians-are-active-internet-users-now-base-to-reach-900-million-by-2025-report/article66809522.ece	https://www.thehindu.com/news/national/over-50-indians-are-active-internet-users-now-base-to-reach-900-million-by-2025-report/article66809522.ece	PROPN
hassl-3803	399	5	https://www.thehindu.com/news/national/over-50-indians-are-active-internet-users-now-base-to-reach-900-million-by-2025-report/article66809522.ece	https://www.thehindu.com/news/national/over-50-indians-are-active-internet-users-now-base-to-reach-900-million-by-2025-report/article66809522.ece	PROPN
hassl-3803	399	6	humanities	humanity	NOUN
hassl-3803	399	7	and	and	CCONJ
hassl-3803	399	8	social	social	ADJ
hassl-3803	399	9	sciences	science	NOUN
hassl-3803	399	10	letters	letter	NOUN
hassl-3803	399	11	,	,	PUNCT
hassl-3803	399	12	2024	2024	NUM
hassl-3803	399	13	,	,	PUNCT
hassl-3803	399	14	12(3	12(3	NUM
hassl-3803	399	15	):	):	PUNCT
hassl-3803	399	16	543	543	NUM
hassl-3803	399	17	-	-	SYM
hassl-3803	399	18	555	555	NUM
hassl-3803	399	19	555	555	NUM
hassl-3803	399	20	©	©	PROPN
hassl-3803	399	21	2024	2024	NUM
hassl-3803	399	22	conscientia	conscientia	PROPN
hassl-3803	399	23	beam	beam	PROPN
hassl-3803	399	24	.	.	PUNCT
hassl-3803	400	1	all	all	DET
hassl-3803	400	2	rights	right	NOUN
hassl-3803	400	3	reserved	reserve	VERB
hassl-3803	400	4	.	.	PUNCT
hassl-3803	401	1	pavlou	pavlou	ADJ
hassl-3803	401	2	,	,	PUNCT
hassl-3803	401	3	p.	p.	NOUN
hassl-3803	401	4	a.	a.	NOUN
hassl-3803	402	1	(	(	PUNCT
hassl-3803	402	2	2017	2017	NUM
hassl-3803	402	3	)	)	PUNCT
hassl-3803	402	4	.	.	PUNCT
hassl-3803	403	1	what	what	PRON
hassl-3803	403	2	drives	drive	VERB
hassl-3803	403	3	electronic	electronic	ADJ
hassl-3803	403	4	commerce	commerce	NOUN
hassl-3803	403	5	?	?	PUNCT
hassl-3803	404	1	a	a	DET
hassl-3803	404	2	theory	theory	NOUN
hassl-3803	404	3	of	of	ADP
hassl-3803	404	4	planned	plan	VERB
hassl-3803	404	5	behavior	behavior	NOUN
hassl-3803	404	6	perspective	perspective	NOUN
hassl-3803	404	7	.	.	PUNCT
hassl-3803	405	1	in	in	ADP
hassl-3803	405	2	academy	academy	PROPN
hassl-3803	405	3	of	of	ADP
hassl-3803	405	4	management	management	NOUN
hassl-3803	405	5	proceedings	proceeding	NOUN
hassl-3803	405	6	.	.	PUNCT
hassl-3803	406	1	in	in	ADP
hassl-3803	406	2	(	(	PUNCT
hassl-3803	406	3	vol	vol	NOUN
hassl-3803	406	4	.	.	PUNCT
hassl-3803	406	5	2002	2002	NUM
hassl-3803	406	6	,	,	PUNCT
hassl-3803	406	7	pp	pp	ADP
hassl-3803	406	8	.	.	PUNCT
hassl-3803	406	9	a1	a1	NOUN
hassl-3803	406	10	-	-	PUNCT
hassl-3803	406	11	a6	a6	NOUN
hassl-3803	406	12	)	)	PUNCT
hassl-3803	406	13	.	.	PUNCT
hassl-3803	407	1	briarcliff	briarcliff	PROPN
hassl-3803	407	2	manor	manor	PROPN
hassl-3803	407	3	,	,	PUNCT
hassl-3803	407	4	ny	ny	PROPN
hassl-3803	407	5	10510	10510	NUM
hassl-3803	407	6	:	:	PUNCT
hassl-3803	407	7	academy	academy	NOUN
hassl-3803	407	8	of	of	ADP
hassl-3803	407	9	management	management	NOUN
hassl-3803	407	10	.	.	PUNCT
hassl-3803	408	1	https://doi.org/10.5465/apbpp.2002.7517579	https://doi.org/10.5465/apbpp.2002.7517579	PROPN
hassl-3803	408	2	.	.	PUNCT
hassl-3803	408	3	ryan	ryan	PROPN
hassl-3803	408	4	,	,	PUNCT
hassl-3803	408	5	s.	s.	PROPN
hassl-3803	408	6	,	,	PUNCT
hassl-3803	408	7	&	&	CCONJ
hassl-3803	408	8	carr	carr	PROPN
hassl-3803	408	9	,	,	PUNCT
hassl-3803	408	10	a.	a.	PROPN
hassl-3803	408	11	(	(	PUNCT
hassl-3803	408	12	2010	2010	NUM
hassl-3803	408	13	)	)	PUNCT
hassl-3803	408	14	.	.	PUNCT
hassl-3803	409	1	applying	apply	VERB
hassl-3803	409	2	the	the	DET
hassl-3803	409	3	biopsychosocial	biopsychosocial	ADJ
hassl-3803	409	4	model	model	NOUN
hassl-3803	409	5	to	to	ADP
hassl-3803	409	6	the	the	DET
hassl-3803	409	7	management	management	NOUN
hassl-3803	409	8	of	of	ADP
hassl-3803	409	9	rheumatic	rheumatic	ADJ
hassl-3803	409	10	disease	disease	NOUN
hassl-3803	409	11	.	.	PUNCT
hassl-3803	410	1	in	in	ADP
hassl-3803	410	2	k.	k.	PROPN
hassl-3803	410	3	dziedzic	dziedzic	PROPN
hassl-3803	410	4	&	&	CCONJ
hassl-3803	410	5	a.	a.	PROPN
hassl-3803	410	6	hammond	hammond	PROPN
hassl-3803	410	7	(	(	PUNCT
hassl-3803	410	8	eds	ed	NOUN
hassl-3803	410	9	.	.	PUNCT
hassl-3803	410	10	)	)	PUNCT
hassl-3803	410	11	,	,	PUNCT
hassl-3803	410	12	rheumatology	rheumatology	NOUN
hassl-3803	410	13	.	.	PUNCT
hassl-3803	411	1	in	in	ADP
hassl-3803	411	2	(	(	PUNCT
hassl-3803	411	3	pp	pp	ADJ
hassl-3803	411	4	.	.	PUNCT
hassl-3803	411	5	63	63	NUM
hassl-3803	411	6	-	-	SYM
hassl-3803	411	7	75	75	NUM
hassl-3803	411	8	)	)	PUNCT
hassl-3803	411	9	.	.	PUNCT
hassl-3803	412	1	edinburgh	edinburgh	PROPN
hassl-3803	412	2	:	:	PUNCT
hassl-3803	412	3	churchill	churchill	PROPN
hassl-3803	412	4	livingstone	livingstone	PROPN
hassl-3803	412	5	.	.	PUNCT
hassl-3803	413	1	sniehotta	sniehotta	PROPN
hassl-3803	413	2	,	,	PUNCT
hassl-3803	413	3	f.	f.	PROPN
hassl-3803	413	4	(	(	PUNCT
hassl-3803	413	5	2009	2009	NUM
hassl-3803	413	6	)	)	PUNCT
hassl-3803	413	7	.	.	PUNCT
hassl-3803	414	1	an	an	DET
hassl-3803	414	2	experimental	experimental	ADJ
hassl-3803	414	3	test	test	NOUN
hassl-3803	414	4	of	of	ADP
hassl-3803	414	5	the	the	DET
hassl-3803	414	6	theory	theory	NOUN
hassl-3803	414	7	of	of	ADP
hassl-3803	414	8	planned	plan	VERB
hassl-3803	414	9	behavior	behavior	NOUN
hassl-3803	414	10	.	.	PUNCT
hassl-3803	415	1	applied	apply	VERB
hassl-3803	415	2	psychology	psychology	NOUN
hassl-3803	415	3	:	:	PUNCT
hassl-3803	415	4	health	health	NOUN
hassl-3803	415	5	and	and	CCONJ
hassl-3803	415	6	well‐being	well‐being	NOUN
hassl-3803	415	7	,	,	PUNCT
hassl-3803	415	8	1(2	1(2	NUM
hassl-3803	415	9	)	)	PUNCT
hassl-3803	415	10	,	,	PUNCT
hassl-3803	415	11	257270	257270	NUM
hassl-3803	415	12	.	.	PUNCT
hassl-3803	416	1	https://doi.org/10.1111/j.1758-0854.2009.01013.x	https://doi.org/10.1111/j.1758-0854.2009.01013.x	VERB
hassl-3803	416	2	taylor	taylor	PROPN
hassl-3803	416	3	,	,	PUNCT
hassl-3803	416	4	s.	s.	PROPN
hassl-3803	416	5	,	,	PUNCT
hassl-3803	416	6	&	&	CCONJ
hassl-3803	416	7	todd	todd	NOUN
hassl-3803	416	8	,	,	PUNCT
hassl-3803	416	9	p.	p.	NOUN
hassl-3803	416	10	a.	a.	NOUN
hassl-3803	416	11	(	(	PUNCT
hassl-3803	416	12	1995	1995	NUM
hassl-3803	416	13	)	)	PUNCT
hassl-3803	416	14	.	.	PUNCT
hassl-3803	417	1	understanding	understand	VERB
hassl-3803	417	2	information	information	NOUN
hassl-3803	417	3	technology	technology	NOUN
hassl-3803	417	4	usage	usage	NOUN
hassl-3803	417	5	:	:	PUNCT
hassl-3803	417	6	a	a	DET
hassl-3803	417	7	test	test	NOUN
hassl-3803	417	8	of	of	ADP
hassl-3803	417	9	competing	compete	VERB
hassl-3803	417	10	models	model	NOUN
hassl-3803	417	11	.	.	PUNCT
hassl-3803	418	1	information	information	NOUN
hassl-3803	418	2	systems	system	NOUN
hassl-3803	418	3	research	research	NOUN
hassl-3803	418	4	,	,	PUNCT
hassl-3803	418	5	6(2	6(2	NUM
hassl-3803	418	6	)	)	PUNCT
hassl-3803	418	7	,	,	PUNCT
hassl-3803	418	8	144	144	NUM
hassl-3803	418	9	-	-	SYM
hassl-3803	418	10	176	176	NUM
hassl-3803	418	11	.	.	PUNCT
hassl-3803	419	1	https://doi.org/10.1287/isre.6.2.144	https://doi.org/10.1287/isre.6.2.144	PROPN
hassl-3803	419	2	teo	teo	PROPN
hassl-3803	419	3	,	,	PUNCT
hassl-3803	419	4	t.	t.	PROPN
hassl-3803	419	5	,	,	PUNCT
hassl-3803	419	6	&	&	CCONJ
hassl-3803	419	7	lee	lee	PROPN
hassl-3803	419	8	,	,	PUNCT
hassl-3803	419	9	c.	c.	PROPN
hassl-3803	419	10	b.	b.	PROPN
hassl-3803	419	11	(	(	PUNCT
hassl-3803	419	12	2010	2010	NUM
hassl-3803	419	13	)	)	PUNCT
hassl-3803	419	14	.	.	PUNCT
hassl-3803	420	1	explaining	explain	VERB
hassl-3803	420	2	the	the	DET
hassl-3803	420	3	intention	intention	NOUN
hassl-3803	420	4	to	to	PART
hassl-3803	420	5	use	use	VERB
hassl-3803	420	6	technology	technology	NOUN
hassl-3803	420	7	among	among	ADP
hassl-3803	420	8	student	student	NOUN
hassl-3803	420	9	teachers	teacher	NOUN
hassl-3803	420	10	:	:	PUNCT
hassl-3803	420	11	an	an	DET
hassl-3803	420	12	application	application	NOUN
hassl-3803	420	13	of	of	ADP
hassl-3803	420	14	the	the	DET
hassl-3803	420	15	theory	theory	NOUN
hassl-3803	420	16	of	of	ADP
hassl-3803	420	17	planned	plan	VERB
hassl-3803	420	18	behavior	behavior	NOUN
hassl-3803	420	19	(	(	PUNCT
hassl-3803	420	20	tpb	tpb	NOUN
hassl-3803	420	21	)	)	PUNCT
hassl-3803	420	22	.	.	PUNCT
hassl-3803	421	1	campus	campus	NOUN
hassl-3803	421	2	-	-	PUNCT
hassl-3803	421	3	wide	wide	ADJ
hassl-3803	421	4	information	information	NOUN
hassl-3803	421	5	systems	system	NOUN
hassl-3803	421	6	,	,	PUNCT
hassl-3803	421	7	27(2	27(2	NUM
hassl-3803	421	8	)	)	PUNCT
hassl-3803	421	9	,	,	PUNCT
hassl-3803	421	10	60	60	NUM
hassl-3803	421	11	-	-	SYM
hassl-3803	421	12	67	67	NUM
hassl-3803	421	13	.	.	PUNCT
hassl-3803	422	1	http://dx.doi.org/10.1108/10650741011033035	http://dx.doi.org/10.1108/10650741011033035	PROPN
hassl-3803	422	2	teo	teo	PROPN
hassl-3803	422	3	,	,	PUNCT
hassl-3803	422	4	t.	t.	PROPN
hassl-3803	422	5	,	,	PUNCT
hassl-3803	422	6	zhou	zhou	PROPN
hassl-3803	422	7	,	,	PUNCT
hassl-3803	422	8	m.	m.	NOUN
hassl-3803	422	9	,	,	PUNCT
hassl-3803	422	10	&	&	CCONJ
hassl-3803	422	11	noyes	noyes	PROPN
hassl-3803	422	12	,	,	PUNCT
hassl-3803	422	13	j.	j.	PROPN
hassl-3803	422	14	(	(	PUNCT
hassl-3803	422	15	2016	2016	NUM
hassl-3803	422	16	)	)	PUNCT
hassl-3803	422	17	.	.	PUNCT
hassl-3803	423	1	teachers	teacher	NOUN
hassl-3803	423	2	and	and	CCONJ
hassl-3803	423	3	technology	technology	NOUN
hassl-3803	423	4	:	:	PUNCT
hassl-3803	423	5	development	development	NOUN
hassl-3803	423	6	of	of	ADP
hassl-3803	423	7	an	an	DET
hassl-3803	423	8	extended	extended	ADJ
hassl-3803	423	9	theory	theory	NOUN
hassl-3803	423	10	of	of	ADP
hassl-3803	423	11	planned	plan	VERB
hassl-3803	423	12	behavior	behavior	NOUN
hassl-3803	423	13	.	.	PUNCT
hassl-3803	424	1	educational	educational	ADJ
hassl-3803	424	2	technology	technology	NOUN
hassl-3803	424	3	research	research	NOUN
hassl-3803	424	4	and	and	CCONJ
hassl-3803	424	5	development	development	NOUN
hassl-3803	424	6	,	,	PUNCT
hassl-3803	424	7	64	64	NUM
hassl-3803	424	8	,	,	PUNCT
hassl-3803	424	9	1033	1033	NUM
hassl-3803	424	10	-	-	SYM
hassl-3803	424	11	1052	1052	NUM
hassl-3803	424	12	.	.	PUNCT
hassl-3803	425	1	https://doi.org/10.1007/s11423-016-9446-5	https://doi.org/10.1007/s11423-016-9446-5	NUM
hassl-3803	425	2	van	van	PROPN
hassl-3803	425	3	deursen	deursen	NOUN
hassl-3803	425	4	,	,	PUNCT
hassl-3803	425	5	a.	a.	PROPN
hassl-3803	425	6	j.	j.	PROPN
hassl-3803	425	7	a.	a.	PROPN
hassl-3803	425	8	m.	m.	PROPN
hassl-3803	425	9	,	,	PUNCT
hassl-3803	425	10	helsper	helsper	NOUN
hassl-3803	425	11	,	,	PUNCT
hassl-3803	425	12	e.	e.	PROPN
hassl-3803	425	13	j.	j.	PROPN
hassl-3803	425	14	,	,	PUNCT
hassl-3803	425	15	&	&	CCONJ
hassl-3803	425	16	eynon	eynon	PROPN
hassl-3803	425	17	,	,	PUNCT
hassl-3803	425	18	r.	r.	PROPN
hassl-3803	425	19	(	(	PUNCT
hassl-3803	425	20	2014	2014	NUM
hassl-3803	425	21	)	)	PUNCT
hassl-3803	425	22	.	.	PUNCT
hassl-3803	426	1	measuring	measure	VERB
hassl-3803	426	2	digital	digital	ADJ
hassl-3803	426	3	skills	skill	NOUN
hassl-3803	426	4	.	.	PUNCT
hassl-3803	427	1	from	from	ADP
hassl-3803	427	2	digital	digital	ADJ
hassl-3803	427	3	skills	skill	NOUN
hassl-3803	427	4	to	to	ADP
hassl-3803	427	5	tangible	tangible	ADJ
hassl-3803	427	6	outcomes	outcome	NOUN
hassl-3803	427	7	project	project	NOUN
hassl-3803	427	8	report	report	NOUN
hassl-3803	427	9	.	.	PUNCT
hassl-3803	428	1	retrieved	retrieve	VERB
hassl-3803	428	2	from	from	ADP
hassl-3803	428	3	www.oii.ox.ac.uk/research/projects/?id=112	www.oii.ox.ac.uk/research/projects/?id=112	PROPN
hassl-3803	428	4	wang	wang	PROPN
hassl-3803	428	5	,	,	PUNCT
hassl-3803	428	6	x.	x.	PROPN
hassl-3803	428	7	,	,	PUNCT
hassl-3803	428	8	wang	wang	PROPN
hassl-3803	428	9	,	,	PUNCT
hassl-3803	428	10	z.	z.	PROPN
hassl-3803	428	11	,	,	PUNCT
hassl-3803	428	12	&	&	CCONJ
hassl-3803	428	13	li	li	PROPN
hassl-3803	428	14	,	,	PUNCT
hassl-3803	428	15	y.	y.	PROPN
hassl-3803	428	16	(	(	PUNCT
hassl-3803	428	17	2022	2022	NUM
hassl-3803	428	18	)	)	PUNCT
hassl-3803	428	19	.	.	PUNCT
hassl-3803	429	1	internet	internet	NOUN
hassl-3803	429	2	use	use	NOUN
hassl-3803	429	3	on	on	ADP
hassl-3803	429	4	closing	close	VERB
hassl-3803	429	5	intention	intention	NOUN
hassl-3803	429	6	–	–	PUNCT
hassl-3803	429	7	behaviour	behaviour	NOUN
hassl-3803	429	8	gap	gap	NOUN
hassl-3803	429	9	in	in	ADP
hassl-3803	429	10	green	green	ADJ
hassl-3803	429	11	consumption	consumption	NOUN
hassl-3803	429	12	—	—	PUNCT
hassl-3803	429	13	a	a	DET
hassl-3803	429	14	mediation	mediation	NOUN
hassl-3803	429	15	and	and	CCONJ
hassl-3803	429	16	moderation	moderation	NOUN
hassl-3803	429	17	theoretical	theoretical	ADJ
hassl-3803	429	18	model	model	NOUN
hassl-3803	429	19	.	.	PUNCT
hassl-3803	430	1	international	international	ADJ
hassl-3803	430	2	journal	journal	PROPN
hassl-3803	430	3	of	of	ADP
hassl-3803	430	4	environmental	environmental	ADJ
hassl-3803	430	5	research	research	NOUN
hassl-3803	430	6	and	and	CCONJ
hassl-3803	430	7	public	public	ADJ
hassl-3803	430	8	health	health	NOUN
hassl-3803	430	9	,	,	PUNCT
hassl-3803	430	10	20(1	20(1	NUM
hassl-3803	430	11	)	)	PUNCT
hassl-3803	430	12	,	,	PUNCT
hassl-3803	430	13	365	365	NUM
hassl-3803	430	14	.	.	PUNCT
hassl-3803	431	1	https://doi.org/10.3390/ijerph20010365	https://doi.org/10.3390/ijerph20010365	PROPN
hassl-3803	431	2	yoo	yoo	PROPN
hassl-3803	431	3	,	,	PUNCT
hassl-3803	431	4	b.	b.	PROPN
hassl-3803	431	5	,	,	PUNCT
hassl-3803	431	6	&	&	CCONJ
hassl-3803	431	7	donthu	donthu	PROPN
hassl-3803	431	8	,	,	PUNCT
hassl-3803	431	9	n.	n.	NOUN
hassl-3803	431	10	(	(	PUNCT
hassl-3803	431	11	2001	2001	NUM
hassl-3803	431	12	)	)	PUNCT
hassl-3803	431	13	.	.	PUNCT
hassl-3803	432	1	developing	develop	VERB
hassl-3803	432	2	a	a	DET
hassl-3803	432	3	scale	scale	NOUN
hassl-3803	432	4	to	to	PART
hassl-3803	432	5	measure	measure	VERB
hassl-3803	432	6	the	the	DET
hassl-3803	432	7	perceived	perceive	VERB
hassl-3803	432	8	quality	quality	NOUN
hassl-3803	432	9	of	of	ADP
hassl-3803	432	10	an	an	DET
hassl-3803	432	11	internet	internet	NOUN
hassl-3803	432	12	shopping	shopping	NOUN
hassl-3803	432	13	site	site	NOUN
hassl-3803	432	14	(	(	PUNCT
hassl-3803	432	15	sitequal	sitequal	ADJ
hassl-3803	432	16	)	)	PUNCT
hassl-3803	432	17	.	.	PUNCT
hassl-3803	433	1	quarterly	quarterly	ADJ
hassl-3803	433	2	journal	journal	NOUN
hassl-3803	433	3	of	of	ADP
hassl-3803	433	4	electronic	electronic	ADJ
hassl-3803	433	5	commerce	commerce	NOUN
hassl-3803	433	6	,	,	PUNCT
hassl-3803	433	7	2(1	2(1	NUM
hassl-3803	433	8	)	)	PUNCT
hassl-3803	433	9	,	,	PUNCT
hassl-3803	433	10	31	31	NUM
hassl-3803	433	11	-	-	SYM
hassl-3803	433	12	45	45	NUM
hassl-3803	433	13	.	.	PUNCT
hassl-3803	433	14	yu	yu	PROPN
hassl-3803	433	15	,	,	PUNCT
hassl-3803	433	16	t.-k	t.-k	PROPN
hassl-3803	433	17	.	.	PUNCT
hassl-3803	433	18	,	,	PUNCT
hassl-3803	433	19	lin	lin	PROPN
hassl-3803	433	20	,	,	PUNCT
hassl-3803	433	21	m.-l	m.-l	PROPN
hassl-3803	433	22	.	.	PUNCT
hassl-3803	433	23	,	,	PUNCT
hassl-3803	433	24	&	&	CCONJ
hassl-3803	433	25	liao	liao	PROPN
hassl-3803	433	26	,	,	PUNCT
hassl-3803	433	27	y.-k	y.-k	PROPN
hassl-3803	433	28	.	.	PUNCT
hassl-3803	434	1	(	(	PUNCT
hassl-3803	434	2	2017	2017	NUM
hassl-3803	434	3	)	)	PUNCT
hassl-3803	434	4	.	.	PUNCT
hassl-3803	435	1	understanding	understand	VERB
hassl-3803	435	2	factors	factor	NOUN
hassl-3803	435	3	influencing	influence	VERB
hassl-3803	435	4	information	information	NOUN
hassl-3803	435	5	communication	communication	NOUN
hassl-3803	435	6	technology	technology	NOUN
hassl-3803	435	7	adoption	adoption	NOUN
hassl-3803	435	8	behavior	behavior	NOUN
hassl-3803	435	9	:	:	PUNCT
hassl-3803	435	10	the	the	DET
hassl-3803	435	11	moderators	moderator	NOUN
hassl-3803	435	12	of	of	ADP
hassl-3803	435	13	information	information	NOUN
hassl-3803	435	14	literacy	literacy	NOUN
hassl-3803	435	15	and	and	CCONJ
hassl-3803	435	16	digital	digital	ADJ
hassl-3803	435	17	skills	skill	NOUN
hassl-3803	435	18	.	.	PUNCT
hassl-3803	436	1	computers	computer	NOUN
hassl-3803	436	2	in	in	ADP
hassl-3803	436	3	human	human	ADJ
hassl-3803	436	4	behavior	behavior	NOUN
hassl-3803	436	5	,	,	PUNCT
hassl-3803	436	6	71	71	NUM
hassl-3803	436	7	,	,	PUNCT
hassl-3803	436	8	196	196	NUM
hassl-3803	436	9	-	-	SYM
hassl-3803	436	10	208	208	NUM
hassl-3803	436	11	.	.	PUNCT
hassl-3803	437	1	https://doi.org/10.1016/j.chb.2017.02.005	https://doi.org/10.1016/j.chb.2017.02.005	ADJ
hassl-3803	437	2	views	view	NOUN
hassl-3803	437	3	and	and	CCONJ
hassl-3803	437	4	opinions	opinion	NOUN
hassl-3803	437	5	expressed	express	VERB
hassl-3803	437	6	in	in	ADP
hassl-3803	437	7	this	this	DET
hassl-3803	437	8	article	article	NOUN
hassl-3803	437	9	are	be	AUX
hassl-3803	437	10	the	the	DET
hassl-3803	437	11	views	view	NOUN
hassl-3803	437	12	and	and	CCONJ
hassl-3803	437	13	opinions	opinion	NOUN
hassl-3803	437	14	of	of	ADP
hassl-3803	437	15	the	the	DET
hassl-3803	437	16	author(s	author(s	NOUN
hassl-3803	437	17	)	)	PUNCT
hassl-3803	437	18	,	,	PUNCT
hassl-3803	437	19	humanities	humanity	NOUN
hassl-3803	437	20	and	and	CCONJ
hassl-3803	437	21	social	social	ADJ
hassl-3803	437	22	sciences	science	NOUN
hassl-3803	437	23	letters	letter	NOUN
hassl-3803	437	24	shall	shall	AUX
hassl-3803	437	25	not	not	PART
hassl-3803	437	26	be	be	AUX
hassl-3803	437	27	responsible	responsible	ADJ
hassl-3803	437	28	or	or	CCONJ
hassl-3803	437	29	answerable	answerable	ADJ
hassl-3803	437	30	for	for	ADP
hassl-3803	437	31	any	any	DET
hassl-3803	437	32	loss	loss	NOUN
hassl-3803	437	33	,	,	PUNCT
hassl-3803	437	34	damage	damage	NOUN
hassl-3803	437	35	or	or	CCONJ
hassl-3803	437	36	liability	liability	NOUN
hassl-3803	437	37	etc	etc	X
hassl-3803	437	38	.	.	X
hassl-3803	438	1	caused	cause	VERB
hassl-3803	438	2	in	in	ADP
hassl-3803	438	3	relation	relation	NOUN
hassl-3803	438	4	to	to	PART
hassl-3803	438	5	/	/	PUNCT
hassl-3803	438	6	arising	arise	VERB
hassl-3803	438	7	out	out	ADP
hassl-3803	438	8	of	of	ADP
hassl-3803	438	9	the	the	DET
hassl-3803	438	10	use	use	NOUN
hassl-3803	438	11	of	of	ADP
hassl-3803	438	12	the	the	DET
hassl-3803	438	13	content	content	NOUN
hassl-3803	438	14	.	.	PUNCT
hassl-3803	439	1	https://doi.org/10.5465/apbpp.2002.7517579	https://doi.org/10.5465/apbpp.2002.7517579	PROPN
hassl-3803	439	2	https://doi.org/10.1111/j.1758-0854.2009.01013.x	https://doi.org/10.1111/j.1758-0854.2009.01013.x	VERB
hassl-3803	439	3	https://doi.org/10.1287/isre.6.2.144	https://doi.org/10.1287/isre.6.2.144	PROPN
hassl-3803	439	4	http://dx.doi.org/10.1108/10650741011033035	http://dx.doi.org/10.1108/10650741011033035	NOUN
hassl-3803	439	5	https://doi.org/10.1007/s11423-016-9446-5	https://doi.org/10.1007/s11423-016-9446-5	NUM
hassl-3803	439	6	..	..	PUNCT
hassl-3803	439	7	/	/	SYM
hassl-3803	439	8	..	..	PUNCT
hassl-3803	439	9	/downloads	/download	NOUN
hassl-3803	439	10	/	/	SYM
hassl-3803	439	11	www.oii.ox.ac.uk	www.oii.ox.ac.uk	ADJ
hassl-3803	439	12	/	/	SYM
hassl-3803	439	13	research	research	NOUN
hassl-3803	439	14	/	/	SYM
hassl-3803	439	15	projects/?id=112	projects/?id=112	PUNCT
hassl-3803	440	1	https://doi.org/10.3390/ijerph20010365	https://doi.org/10.3390/ijerph20010365	NOUN
hassl-3803	440	2	https://doi.org/10.1016/j.chb.2017.02.005	https://doi.org/10.1016/j.chb.2017.02.005	VERB