id	sid	tid	token	lemma	pos
hassl-3974	1	1	45	45	NUM
hassl-3974	1	2	©	©	PROPN
hassl-3974	1	3	2025	2025	NUM
hassl-3974	1	4	conscientia	conscientia	PROPN
hassl-3974	1	5	beam	beam	PROPN
hassl-3974	1	6	.	.	PUNCT
hassl-3974	2	1	all	all	DET
hassl-3974	2	2	rights	right	NOUN
hassl-3974	2	3	reserved	reserve	VERB
hassl-3974	2	4	.	.	PUNCT
hassl-3974	3	1	the	the	DET
hassl-3974	3	2	impact	impact	NOUN
hassl-3974	3	3	of	of	ADP
hassl-3974	3	4	financial	financial	ADJ
hassl-3974	3	5	literacy	literacy	NOUN
hassl-3974	3	6	on	on	ADP
hassl-3974	3	7	saving	save	VERB
hassl-3974	3	8	behavior	behavior	NOUN
hassl-3974	3	9	of	of	ADP
hassl-3974	3	10	the	the	DET
hassl-3974	3	11	elderly	elderly	ADJ
hassl-3974	3	12	people	people	NOUN
hassl-3974	3	13	:	:	PUNCT
hassl-3974	3	14	the	the	DET
hassl-3974	3	15	mediating	mediate	VERB
hassl-3974	3	16	role	role	NOUN
hassl-3974	3	17	of	of	ADP
hassl-3974	3	18	digital	digital	ADJ
hassl-3974	3	19	financial	financial	ADJ
hassl-3974	3	20	literacy	literacy	NOUN
hassl-3974	3	21	humanities	humanity	NOUN
hassl-3974	3	22	and	and	CCONJ
hassl-3974	3	23	social	social	ADJ
hassl-3974	3	24	sciences	science	NOUN
hassl-3974	3	25	letters	letter	NOUN
hassl-3974	3	26	2025	2025	NUM
hassl-3974	3	27	vol	vol	NOUN
hassl-3974	3	28	.	.	PROPN
hassl-3974	3	29	13	13	NUM
hassl-3974	3	30	,	,	PUNCT
hassl-3974	3	31	no	no	INTJ
hassl-3974	3	32	.	.	NOUN
hassl-3974	3	33	1	1	NUM
hassl-3974	3	34	,	,	PUNCT
hassl-3974	3	35	pp	pp	ADJ
hassl-3974	3	36	.	.	PUNCT
hassl-3974	4	1	45	45	NUM
hassl-3974	4	2	-	-	SYM
hassl-3974	4	3	55	55	NUM
hassl-3974	4	4	issn(e	issn(e	NOUN
hassl-3974	4	5	):	):	PUNCT
hassl-3974	4	6	2312	2312	NUM
hassl-3974	4	7	-	-	SYM
hassl-3974	4	8	4318	4318	NUM
hassl-3974	4	9	issn(p	issn(p	NUM
hassl-3974	4	10	):	):	PUNCT
hassl-3974	4	11	2312	2312	NUM
hassl-3974	4	12	-	-	SYM
hassl-3974	4	13	5659	5659	NUM
hassl-3974	4	14	doi	doi	NOUN
hassl-3974	4	15	:	:	PUNCT
hassl-3974	4	16	10.18488/73.v13i1.3974	10.18488/73.v13i1.3974	PROPN
hassl-3974	4	17	©	©	ADP
hassl-3974	4	18	2025	2025	NUM
hassl-3974	4	19	conscientia	conscientia	PROPN
hassl-3974	4	20	beam	beam	PROPN
hassl-3974	4	21	.	.	PUNCT
hassl-3974	5	1	all	all	DET
hassl-3974	5	2	rights	right	NOUN
hassl-3974	5	3	reserved	reserve	VERB
hassl-3974	5	4	.	.	PUNCT
hassl-3974	6	1	oanh	oanh	AUX
hassl-3974	6	2	vu	vu	X
hassl-3974	6	3	thi	thi	AUX
hassl-3974	6	4	kim1	kim1	PROPN
hassl-3974	6	5	+	+	CCONJ
hassl-3974	6	6	tien	tien	PROPN
hassl-3974	6	7	tran	tran	PROPN
hassl-3974	6	8	ngoc	ngoc	PROPN
hassl-3974	6	9	thuy2	thuy2	PROPN
hassl-3974	7	1	linh	linh	PROPN
hassl-3974	7	2	do	do	AUX
hassl-3974	7	3	khanh3	khanh3	PROPN
hassl-3974	7	4	mai	mai	PROPN
hassl-3974	7	5	pham	pham	PROPN
hassl-3974	7	6	thi	thi	PROPN
hassl-3974	7	7	thanh4	thanh4	PROPN
hassl-3974	7	8	quynh	quynh	PROPN
hassl-3974	7	9	nguyen	nguyen	PROPN
hassl-3974	7	10	thi5	thi5	PROPN
hassl-3974	7	11	thanh	thanh	VERB
hassl-3974	7	12	nguyen	nguyen	PROPN
hassl-3974	7	13	thi	thi	VERB
hassl-3974	7	14	minh6	minh6	PROPN
hassl-3974	7	15	1,2,3,4,5,6banking	1,2,3,4,5,6banking	PROPN
hassl-3974	7	16	academy	academy	PROPN
hassl-3974	7	17	of	of	ADP
hassl-3974	7	18	vietnam	vietnam	PROPN
hassl-3974	7	19	,	,	PUNCT
hassl-3974	7	20	vietnam	vietnam	PROPN
hassl-3974	7	21	.	.	PUNCT
hassl-3974	8	1	1email	1email	NUM
hassl-3974	8	2	:	:	PUNCT
hassl-3974	8	3	oanhvtk@hvnh.edu.vn	oanhvtk@hvnh.edu.vn	X
hassl-3974	8	4	2email	2email	NUM
hassl-3974	8	5	:	:	PUNCT
hassl-3974	8	6	24a4011884@hvnh.edu.vn	24a4011884@hvnh.edu.vn	NUM
hassl-3974	8	7	3email	3email	NUM
hassl-3974	8	8	:	:	PUNCT
hassl-3974	8	9	dokhanhlinhpka@gmail.com	dokhanhlinhpka@gmail.com	X
hassl-3974	9	1	4email	4email	NUM
hassl-3974	9	2	:	:	PUNCT
hassl-3974	9	3	24a4010498@hvnh.edu.vn	24a4010498@hvnh.edu.vn	PROPN
hassl-3974	9	4	5email	5email	NUM
hassl-3974	9	5	:	:	PUNCT
hassl-3974	9	6	quynhnguyenthi2312003@gmail.com	quynhnguyenthi2312003@gmail.com	PROPN
hassl-3974	10	1	6email	6email	NUM
hassl-3974	10	2	:	:	PUNCT
hassl-3974	10	3	minhthanhnt611@gmail.com	minhthanhnt611@gmail.com	X
hassl-3974	10	4	(	(	PUNCT
hassl-3974	10	5	+	+	NUM
hassl-3974	10	6	corresponding	correspond	VERB
hassl-3974	10	7	author	author	NOUN
hassl-3974	10	8	)	)	PUNCT
hassl-3974	10	9	abstract	abstract	ADJ
hassl-3974	10	10	article	article	NOUN
hassl-3974	10	11	history	history	NOUN
hassl-3974	10	12	received	receive	VERB
hassl-3974	10	13	:	:	PUNCT
hassl-3974	10	14	30	30	NUM
hassl-3974	10	15	july	july	PROPN
hassl-3974	10	16	2024	2024	NUM
hassl-3974	10	17	revised	revise	VERB
hassl-3974	10	18	:	:	PUNCT
hassl-3974	10	19	14	14	NUM
hassl-3974	10	20	october	october	NOUN
hassl-3974	10	21	2024	2024	NUM
hassl-3974	10	22	accepted	accept	VERB
hassl-3974	10	23	:	:	PUNCT
hassl-3974	10	24	28	28	NUM
hassl-3974	10	25	october	october	NOUN
hassl-3974	10	26	2024	2024	NUM
hassl-3974	10	27	published	publish	VERB
hassl-3974	10	28	:	:	PUNCT
hassl-3974	10	29	8	8	NUM
hassl-3974	10	30	november	november	NOUN
hassl-3974	10	31	2024	2024	NUM
hassl-3974	10	32	keywords	keyword	VERB
hassl-3974	10	33	digital	digital	ADJ
hassl-3974	10	34	financial	financial	ADJ
hassl-3974	10	35	literacy	literacy	NOUN
hassl-3974	10	36	elderly	elderly	ADJ
hassl-3974	10	37	financial	financial	ADJ
hassl-3974	10	38	literacy	literacy	NOUN
hassl-3974	10	39	hanoi	hanoi	NOUN
hassl-3974	10	40	saving	saving	NOUN
hassl-3974	10	41	behavior	behavior	NOUN
hassl-3974	10	42	.	.	PUNCT
hassl-3974	11	1	this	this	DET
hassl-3974	11	2	study	study	NOUN
hassl-3974	11	3	examines	examine	VERB
hassl-3974	11	4	how	how	SCONJ
hassl-3974	11	5	financial	financial	ADJ
hassl-3974	11	6	literacy	literacy	NOUN
hassl-3974	11	7	affects	affect	VERB
hassl-3974	11	8	the	the	DET
hassl-3974	11	9	saving	saving	NOUN
hassl-3974	11	10	habits	habit	NOUN
hassl-3974	11	11	of	of	ADP
hassl-3974	11	12	older	old	ADJ
hassl-3974	11	13	people	people	NOUN
hassl-3974	11	14	in	in	ADP
hassl-3974	11	15	hanoi	hanoi	PROPN
hassl-3974	11	16	,	,	PUNCT
hassl-3974	11	17	vietnam	vietnam	PROPN
hassl-3974	11	18	and	and	CCONJ
hassl-3974	11	19	the	the	DET
hassl-3974	11	20	impact	impact	NOUN
hassl-3974	11	21	of	of	ADP
hassl-3974	11	22	digital	digital	ADJ
hassl-3974	11	23	financial	financial	ADJ
hassl-3974	11	24	literacy	literacy	NOUN
hassl-3974	11	25	in	in	ADP
hassl-3974	11	26	mediating	mediate	VERB
hassl-3974	11	27	this	this	DET
hassl-3974	11	28	relationship	relationship	NOUN
hassl-3974	11	29	.	.	PUNCT
hassl-3974	12	1	the	the	DET
hassl-3974	12	2	research	research	NOUN
hassl-3974	12	3	is	be	AUX
hassl-3974	12	4	based	base	VERB
hassl-3974	12	5	on	on	ADP
hassl-3974	12	6	data	datum	NOUN
hassl-3974	12	7	collected	collect	VERB
hassl-3974	12	8	from	from	ADP
hassl-3974	12	9	250	250	NUM
hassl-3974	12	10	participants	participant	NOUN
hassl-3974	12	11	aged	age	VERB
hassl-3974	12	12	55	55	NUM
hassl-3974	12	13	and	and	CCONJ
hassl-3974	12	14	above	above	ADV
hassl-3974	12	15	,	,	PUNCT
hassl-3974	12	16	surveyed	survey	VERB
hassl-3974	12	17	in	in	ADP
hassl-3974	12	18	april	april	PROPN
hassl-3974	12	19	2024	2024	NUM
hassl-3974	12	20	.	.	PUNCT
hassl-3974	13	1	the	the	DET
hassl-3974	13	2	partial	partial	ADJ
hassl-3974	13	3	least	least	ADJ
hassl-3974	13	4	squares	square	VERB
hassl-3974	13	5	structural	structural	ADJ
hassl-3974	13	6	equation	equation	NOUN
hassl-3974	13	7	modeling	modeling	NOUN
hassl-3974	13	8	(	(	PUNCT
hassl-3974	13	9	pls	pls	INTJ
hassl-3974	13	10	-	-	PUNCT
hassl-3974	13	11	sem	sem	NOUN
hassl-3974	13	12	)	)	PUNCT
hassl-3974	13	13	method	method	NOUN
hassl-3974	13	14	with	with	ADP
hassl-3974	13	15	smartpls	smartpls	NOUN
hassl-3974	13	16	4	4	NUM
hassl-3974	13	17	software	software	NOUN
hassl-3974	13	18	estimates	estimate	VERB
hassl-3974	13	19	the	the	DET
hassl-3974	13	20	relationship	relationship	NOUN
hassl-3974	13	21	among	among	ADP
hassl-3974	13	22	variables	variable	NOUN
hassl-3974	13	23	.	.	PUNCT
hassl-3974	14	1	the	the	DET
hassl-3974	14	2	study	study	NOUN
hassl-3974	14	3	confirms	confirm	VERB
hassl-3974	14	4	a	a	DET
hassl-3974	14	5	positive	positive	ADJ
hassl-3974	14	6	correlation	correlation	NOUN
hassl-3974	14	7	between	between	ADP
hassl-3974	14	8	financial	financial	ADJ
hassl-3974	14	9	literacy	literacy	NOUN
hassl-3974	14	10	and	and	CCONJ
hassl-3974	14	11	the	the	DET
hassl-3974	14	12	saving	save	VERB
hassl-3974	14	13	behavior	behavior	NOUN
hassl-3974	14	14	of	of	ADP
hassl-3974	14	15	elderly	elderly	ADJ
hassl-3974	14	16	people	people	NOUN
hassl-3974	14	17	.	.	PUNCT
hassl-3974	15	1	additionally	additionally	ADV
hassl-3974	15	2	,	,	PUNCT
hassl-3974	15	3	digital	digital	ADJ
hassl-3974	15	4	financial	financial	ADJ
hassl-3974	15	5	literacy	literacy	NOUN
hassl-3974	15	6	plays	play	VERB
hassl-3974	15	7	a	a	DET
hassl-3974	15	8	positive	positive	ADJ
hassl-3974	15	9	mediating	mediate	VERB
hassl-3974	15	10	role	role	NOUN
hassl-3974	15	11	in	in	ADP
hassl-3974	15	12	enhancing	enhance	VERB
hassl-3974	15	13	the	the	DET
hassl-3974	15	14	effect	effect	NOUN
hassl-3974	15	15	of	of	ADP
hassl-3974	15	16	financial	financial	ADJ
hassl-3974	15	17	literacy	literacy	NOUN
hassl-3974	15	18	on	on	ADP
hassl-3974	15	19	saving	save	VERB
hassl-3974	15	20	behavior	behavior	NOUN
hassl-3974	15	21	by	by	ADP
hassl-3974	15	22	facilitating	facilitate	VERB
hassl-3974	15	23	elderly	elderly	ADJ
hassl-3974	15	24	people	people	NOUN
hassl-3974	15	25	's	's	PART
hassl-3974	15	26	utilization	utilization	NOUN
hassl-3974	15	27	of	of	ADP
hassl-3974	15	28	digital	digital	ADJ
hassl-3974	15	29	tools	tool	NOUN
hassl-3974	15	30	for	for	ADP
hassl-3974	15	31	financial	financial	ADJ
hassl-3974	15	32	management	management	NOUN
hassl-3974	15	33	and	and	CCONJ
hassl-3974	15	34	the	the	DET
hassl-3974	15	35	pursuit	pursuit	NOUN
hassl-3974	15	36	of	of	ADP
hassl-3974	15	37	more	more	ADV
hassl-3974	15	38	effective	effective	ADJ
hassl-3974	15	39	saving	saving	NOUN
hassl-3974	15	40	strategies	strategy	NOUN
hassl-3974	15	41	.	.	PUNCT
hassl-3974	16	1	however	however	ADV
hassl-3974	16	2	,	,	PUNCT
hassl-3974	16	3	traditional	traditional	ADJ
hassl-3974	16	4	financial	financial	ADJ
hassl-3974	16	5	literacy	literacy	NOUN
hassl-3974	16	6	maintains	maintain	VERB
hassl-3974	16	7	a	a	DET
hassl-3974	16	8	more	more	ADV
hassl-3974	16	9	significant	significant	ADJ
hassl-3974	16	10	and	and	CCONJ
hassl-3974	16	11	direct	direct	ADJ
hassl-3974	16	12	impact	impact	NOUN
hassl-3974	16	13	on	on	ADP
hassl-3974	16	14	the	the	DET
hassl-3974	16	15	saving	save	VERB
hassl-3974	16	16	behavior	behavior	NOUN
hassl-3974	16	17	of	of	ADP
hassl-3974	16	18	this	this	DET
hassl-3974	16	19	demographic	demographic	ADJ
hassl-3974	16	20	group	group	NOUN
hassl-3974	16	21	.	.	PUNCT
hassl-3974	17	1	these	these	DET
hassl-3974	17	2	findings	finding	NOUN
hassl-3974	17	3	have	have	VERB
hassl-3974	17	4	practical	practical	ADJ
hassl-3974	17	5	implications	implication	NOUN
hassl-3974	17	6	for	for	ADP
hassl-3974	17	7	developing	develop	VERB
hassl-3974	17	8	policies	policy	NOUN
hassl-3974	17	9	and	and	CCONJ
hassl-3974	17	10	interventions	intervention	NOUN
hassl-3974	17	11	to	to	PART
hassl-3974	17	12	enhance	enhance	VERB
hassl-3974	17	13	financial	financial	ADJ
hassl-3974	17	14	literacy	literacy	NOUN
hassl-3974	17	15	and	and	CCONJ
hassl-3974	17	16	digital	digital	ADJ
hassl-3974	17	17	skills	skill	NOUN
hassl-3974	17	18	among	among	ADP
hassl-3974	17	19	the	the	DET
hassl-3974	17	20	elderly	elderly	ADJ
hassl-3974	17	21	,	,	PUNCT
hassl-3974	17	22	ensuring	ensure	VERB
hassl-3974	17	23	financial	financial	ADJ
hassl-3974	17	24	security	security	NOUN
hassl-3974	17	25	and	and	CCONJ
hassl-3974	17	26	fostering	foster	VERB
hassl-3974	17	27	saving	save	VERB
hassl-3974	17	28	behavior	behavior	NOUN
hassl-3974	17	29	.	.	PUNCT
hassl-3974	18	1	the	the	DET
hassl-3974	18	2	results	result	NOUN
hassl-3974	18	3	underscore	underscore	VERB
hassl-3974	18	4	the	the	DET
hassl-3974	18	5	importance	importance	NOUN
hassl-3974	18	6	of	of	ADP
hassl-3974	18	7	targeted	target	VERB
hassl-3974	18	8	educational	educational	ADJ
hassl-3974	18	9	initiatives	initiative	NOUN
hassl-3974	18	10	that	that	PRON
hassl-3974	18	11	address	address	VERB
hassl-3974	18	12	both	both	DET
hassl-3974	18	13	traditional	traditional	ADJ
hassl-3974	18	14	financial	financial	ADJ
hassl-3974	18	15	literacy	literacy	NOUN
hassl-3974	18	16	and	and	CCONJ
hassl-3974	18	17	digital	digital	ADJ
hassl-3974	18	18	financial	financial	ADJ
hassl-3974	18	19	competencies	competency	NOUN
hassl-3974	18	20	for	for	ADP
hassl-3974	18	21	elderly	elderly	ADJ
hassl-3974	18	22	people	people	NOUN
hassl-3974	18	23	,	,	PUNCT
hassl-3974	18	24	potentially	potentially	ADV
hassl-3974	18	25	leading	lead	VERB
hassl-3974	18	26	to	to	ADP
hassl-3974	18	27	improved	improve	VERB
hassl-3974	18	28	financial	financial	ADJ
hassl-3974	18	29	outcomes	outcome	NOUN
hassl-3974	18	30	in	in	ADP
hassl-3974	18	31	this	this	DET
hassl-3974	18	32	demographic	demographic	ADJ
hassl-3974	18	33	group	group	NOUN
hassl-3974	18	34	.	.	PUNCT
hassl-3974	19	1	contribution	contribution	NOUN
hassl-3974	19	2	/	/	SYM
hassl-3974	19	3	originality	originality	NOUN
hassl-3974	19	4	:	:	PUNCT
hassl-3974	19	5	the	the	DET
hassl-3974	19	6	study	study	NOUN
hassl-3974	19	7	sheds	shed	VERB
hassl-3974	19	8	light	light	NOUN
hassl-3974	19	9	on	on	ADP
hassl-3974	19	10	the	the	DET
hassl-3974	19	11	relationship	relationship	NOUN
hassl-3974	19	12	between	between	ADP
hassl-3974	19	13	financial	financial	ADJ
hassl-3974	19	14	literacy	literacy	NOUN
hassl-3974	19	15	and	and	CCONJ
hassl-3974	19	16	the	the	DET
hassl-3974	19	17	saving	save	VERB
hassl-3974	19	18	behavior	behavior	NOUN
hassl-3974	19	19	of	of	ADP
hassl-3974	19	20	elderly	elderly	ADJ
hassl-3974	19	21	people	people	NOUN
hassl-3974	19	22	in	in	ADP
hassl-3974	19	23	hanoi	hanoi	PROPN
hassl-3974	19	24	,	,	PUNCT
hassl-3974	19	25	vietnam	vietnam	PROPN
hassl-3974	19	26	.	.	PUNCT
hassl-3974	20	1	the	the	DET
hassl-3974	20	2	study	study	NOUN
hassl-3974	20	3	contributes	contribute	VERB
hassl-3974	20	4	to	to	ADP
hassl-3974	20	5	existing	exist	VERB
hassl-3974	20	6	literature	literature	NOUN
hassl-3974	20	7	by	by	ADP
hassl-3974	20	8	constructing	construct	VERB
hassl-3974	20	9	digital	digital	ADJ
hassl-3974	20	10	financial	financial	ADJ
hassl-3974	20	11	literacy	literacy	NOUN
hassl-3974	20	12	and	and	CCONJ
hassl-3974	20	13	evaluates	evaluate	VERB
hassl-3974	20	14	whether	whether	SCONJ
hassl-3974	20	15	the	the	DET
hassl-3974	20	16	impact	impact	NOUN
hassl-3974	20	17	of	of	ADP
hassl-3974	20	18	financial	financial	ADJ
hassl-3974	20	19	literacy	literacy	NOUN
hassl-3974	20	20	on	on	ADP
hassl-3974	20	21	elderly	elderly	ADJ
hassl-3974	20	22	saving	save	VERB
hassl-3974	20	23	behavior	behavior	NOUN
hassl-3974	20	24	is	be	AUX
hassl-3974	20	25	direct	direct	ADJ
hassl-3974	20	26	or	or	CCONJ
hassl-3974	20	27	indirect	indirect	ADJ
hassl-3974	20	28	through	through	ADP
hassl-3974	20	29	digital	digital	ADJ
hassl-3974	20	30	financial	financial	ADJ
hassl-3974	20	31	literacy	literacy	NOUN
hassl-3974	20	32	.	.	PUNCT
hassl-3974	21	1	1	1	X
hassl-3974	21	2	.	.	X
hassl-3974	21	3	introduction	introduction	NOUN
hassl-3974	21	4	savings	saving	NOUN
hassl-3974	21	5	are	be	AUX
hassl-3974	21	6	considered	consider	VERB
hassl-3974	21	7	to	to	PART
hassl-3974	21	8	play	play	VERB
hassl-3974	21	9	a	a	DET
hassl-3974	21	10	crucial	crucial	ADJ
hassl-3974	21	11	role	role	NOUN
hassl-3974	21	12	in	in	ADP
hassl-3974	21	13	the	the	DET
hassl-3974	21	14	economic	economic	ADJ
hassl-3974	21	15	development	development	NOUN
hassl-3974	21	16	of	of	ADP
hassl-3974	21	17	a	a	DET
hassl-3974	21	18	country	country	NOUN
hassl-3974	21	19	.	.	PUNCT
hassl-3974	22	1	according	accord	VERB
hassl-3974	22	2	to	to	ADP
hassl-3974	22	3	the	the	DET
hassl-3974	22	4	world	world	PROPN
hassl-3974	22	5	health	health	NOUN
hassl-3974	22	6	organization	organization	NOUN
hassl-3974	22	7	(	(	PUNCT
hassl-3974	22	8	who	who	PRON
hassl-3974	22	9	)	)	PUNCT
hassl-3974	22	10	,	,	PUNCT
hassl-3974	22	11	the	the	DET
hassl-3974	22	12	world	world	NOUN
hassl-3974	22	13	’s	’s	PART
hassl-3974	22	14	population	population	NOUN
hassl-3974	22	15	has	have	AUX
hassl-3974	22	16	been	be	AUX
hassl-3974	22	17	aging	age	VERB
hassl-3974	22	18	rapidly	rapidly	ADV
hassl-3974	22	19	over	over	ADP
hassl-3974	22	20	the	the	DET
hassl-3974	22	21	years	year	NOUN
hassl-3974	22	22	.	.	PUNCT
hassl-3974	23	1	the	the	DET
hassl-3974	23	2	proportion	proportion	NOUN
hassl-3974	23	3	of	of	ADP
hassl-3974	23	4	elderly	elderly	ADJ
hassl-3974	23	5	people	people	NOUN
hassl-3974	23	6	(	(	PUNCT
hassl-3974	23	7	aged	aged	ADJ
hassl-3974	23	8	60	60	NUM
hassl-3974	23	9	and	and	CCONJ
hassl-3974	23	10	above	above	ADV
hassl-3974	23	11	)	)	PUNCT
hassl-3974	23	12	is	be	AUX
hassl-3974	23	13	projected	project	VERB
hassl-3974	23	14	to	to	PART
hassl-3974	23	15	double	double	VERB
hassl-3974	23	16	from	from	ADP
hassl-3974	23	17	approximately	approximately	ADV
hassl-3974	23	18	12	12	NUM
hassl-3974	23	19	%	%	NOUN
hassl-3974	23	20	to	to	PART
hassl-3974	23	21	22	22	NUM
hassl-3974	23	22	%	%	NOUN
hassl-3974	23	23	of	of	ADP
hassl-3974	23	24	the	the	DET
hassl-3974	23	25	global	global	ADJ
hassl-3974	23	26	population	population	NOUN
hassl-3974	23	27	between	between	ADP
hassl-3974	23	28	2015	2015	NUM
hassl-3974	23	29	and	and	CCONJ
hassl-3974	23	30	2050	2050	NUM
hassl-3974	23	31	.	.	PUNCT
hassl-3974	24	1	this	this	DET
hassl-3974	24	2	demographic	demographic	ADJ
hassl-3974	24	3	shift	shift	NOUN
hassl-3974	24	4	underscores	underscore	VERB
hassl-3974	24	5	the	the	DET
hassl-3974	24	6	critical	critical	ADJ
hassl-3974	24	7	need	need	NOUN
hassl-3974	24	8	to	to	PART
hassl-3974	24	9	study	study	VERB
hassl-3974	24	10	elderly	elderly	ADJ
hassl-3974	24	11	people	people	NOUN
hassl-3974	24	12	's	's	PART
hassl-3974	24	13	saving	save	VERB
hassl-3974	24	14	behavior	behavior	NOUN
hassl-3974	24	15	,	,	PUNCT
hassl-3974	24	16	given	give	VERB
hassl-3974	24	17	its	its	PRON
hassl-3974	24	18	impact	impact	NOUN
hassl-3974	24	19	on	on	ADP
hassl-3974	24	20	personal	personal	ADJ
hassl-3974	24	21	,	,	PUNCT
hassl-3974	24	22	family	family	NOUN
hassl-3974	24	23	and	and	CCONJ
hassl-3974	24	24	societal	societal	ADJ
hassl-3974	24	25	financial	financial	ADJ
hassl-3974	24	26	stability	stability	NOUN
hassl-3974	24	27	.	.	PUNCT
hassl-3974	25	1	financial	financial	ADJ
hassl-3974	25	2	literacy	literacy	NOUN
hassl-3974	25	3	helps	help	VERB
hassl-3974	25	4	people	people	NOUN
hassl-3974	25	5	make	make	VERB
hassl-3974	25	6	https://www.doi.org/10.18488/73.v13i1.3974	https://www.doi.org/10.18488/73.v13i1.3974	PROPN
hassl-3974	25	7	https://orcid.org/0009-0006-5007-2901	https://orcid.org/0009-0006-5007-2901	NOUN
hassl-3974	25	8	https://orcid.org/0009-0009-4488-5756	https://orcid.org/0009-0009-4488-5756	VERB
hassl-3974	25	9	https://orcid.org/0009-0003-6174-6746	https://orcid.org/0009-0003-6174-6746	INTJ
hassl-3974	25	10	https://orcid.org/0009-0001-2329-377x	https://orcid.org/0009-0001-2329-377x	X
hassl-3974	25	11	https://orcid.org/0009-0008-6067-3641	https://orcid.org/0009-0008-6067-3641	NOUN
hassl-3974	25	12	https://orcid.org/0009-0009-4320-4293	https://orcid.org/0009-0009-4320-4293	NOUN
hassl-3974	25	13	mailto:oanhvtk@hvnh.edu.vn	mailto:oanhvtk@hvnh.edu.vn	VERB
hassl-3974	25	14	mailto:24a4011884@hvnh.edu.vn	mailto:24a4011884@hvnh.edu.vn	ADJ
hassl-3974	25	15	mailto:dokhanhlinhpka@gmail.com	mailto:dokhanhlinhpka@gmail.com	PROPN
hassl-3974	25	16	mailto:24a4010498@hvnh.edu.vn	mailto:24a4010498@hvnh.edu.vn	PROPN
hassl-3974	25	17	mailto:quynhnguyenthi2312003@gmail.com	mailto:quynhnguyenthi2312003@gmail.com	PROPN
hassl-3974	25	18	mailto:minhthanhnt611@gmail.com	mailto:minhthanhnt611@gmail.com	PROPN
hassl-3974	25	19	humanities	humanity	NOUN
hassl-3974	25	20	and	and	CCONJ
hassl-3974	25	21	social	social	ADJ
hassl-3974	25	22	sciences	science	NOUN
hassl-3974	25	23	letters	letter	NOUN
hassl-3974	25	24	,	,	PUNCT
hassl-3974	25	25	2025	2025	NUM
hassl-3974	25	26	,	,	PUNCT
hassl-3974	25	27	13(1	13(1	NUM
hassl-3974	25	28	):	):	PUNCT
hassl-3974	25	29	45	45	NUM
hassl-3974	25	30	-	-	SYM
hassl-3974	25	31	55	55	NUM
hassl-3974	25	32	46	46	NUM
hassl-3974	25	33	©	©	PROPN
hassl-3974	25	34	2025	2025	NUM
hassl-3974	25	35	conscientia	conscientia	PROPN
hassl-3974	25	36	beam	beam	PROPN
hassl-3974	25	37	.	.	PUNCT
hassl-3974	26	1	all	all	DET
hassl-3974	26	2	rights	right	NOUN
hassl-3974	26	3	reserved	reserve	VERB
hassl-3974	26	4	.	.	PUNCT
hassl-3974	27	1	effective	effective	ADJ
hassl-3974	27	2	use	use	NOUN
hassl-3974	27	3	of	of	ADP
hassl-3974	27	4	financial	financial	ADJ
hassl-3974	27	5	services	service	NOUN
hassl-3974	27	6	for	for	ADP
hassl-3974	27	7	their	their	PRON
hassl-3974	27	8	financial	financial	ADJ
hassl-3974	27	9	goals	goal	NOUN
hassl-3974	27	10	.	.	PUNCT
hassl-3974	28	1	in	in	ADP
hassl-3974	28	2	recent	recent	ADJ
hassl-3974	28	3	years	year	NOUN
hassl-3974	28	4	,	,	PUNCT
hassl-3974	28	5	the	the	DET
hassl-3974	28	6	financial	financial	ADJ
hassl-3974	28	7	environment	environment	NOUN
hassl-3974	28	8	has	have	AUX
hassl-3974	28	9	become	become	VERB
hassl-3974	28	10	more	more	ADV
hassl-3974	28	11	dynamic	dynamic	ADJ
hassl-3974	28	12	and	and	CCONJ
hassl-3974	28	13	complex	complex	ADJ
hassl-3974	28	14	which	which	PRON
hassl-3974	28	15	directly	directly	ADV
hassl-3974	28	16	and	and	CCONJ
hassl-3974	28	17	indirectly	indirectly	ADV
hassl-3974	28	18	affects	affect	VERB
hassl-3974	28	19	people	people	NOUN
hassl-3974	28	20	’s	’s	PART
hassl-3974	28	21	saving	save	VERB
hassl-3974	28	22	behavior	behavior	NOUN
hassl-3974	28	23	.	.	PUNCT
hassl-3974	29	1	financial	financial	ADJ
hassl-3974	29	2	literacy	literacy	NOUN
hassl-3974	29	3	significantly	significantly	ADV
hassl-3974	29	4	influences	influence	VERB
hassl-3974	29	5	elderly	elderly	ADJ
hassl-3974	29	6	people	people	NOUN
hassl-3974	29	7	's	's	PART
hassl-3974	29	8	saving	save	VERB
hassl-3974	29	9	behavior	behavior	NOUN
hassl-3974	29	10	,	,	PUNCT
hassl-3974	29	11	as	as	SCONJ
hassl-3974	29	12	consumers	consumer	NOUN
hassl-3974	29	13	apply	apply	VERB
hassl-3974	29	14	various	various	ADJ
hassl-3974	29	15	strategies	strategy	NOUN
hassl-3974	29	16	including	include	VERB
hassl-3974	29	17	financial	financial	ADJ
hassl-3974	29	18	awareness	awareness	NOUN
hassl-3974	29	19	,	,	PUNCT
hassl-3974	29	20	knowledge	knowledge	NOUN
hassl-3974	29	21	,	,	PUNCT
hassl-3974	29	22	skills	skill	NOUN
hassl-3974	29	23	and	and	CCONJ
hassl-3974	29	24	attitudes	attitude	NOUN
hassl-3974	29	25	when	when	SCONJ
hassl-3974	29	26	making	make	VERB
hassl-3974	29	27	financial	financial	ADJ
hassl-3974	29	28	decisions	decision	NOUN
hassl-3974	29	29	(	(	PUNCT
hassl-3974	29	30	brucks	bruck	NOUN
hassl-3974	29	31	,	,	PUNCT
hassl-3974	29	32	1985	1985	NUM
hassl-3974	29	33	)	)	PUNCT
hassl-3974	29	34	.	.	PUNCT
hassl-3974	30	1	financial	financial	ADJ
hassl-3974	30	2	literacy	literacy	NOUN
hassl-3974	30	3	is	be	AUX
hassl-3974	30	4	expected	expect	VERB
hassl-3974	30	5	to	to	PART
hassl-3974	30	6	lead	lead	VERB
hassl-3974	30	7	people	people	NOUN
hassl-3974	30	8	to	to	PART
hassl-3974	30	9	manage	manage	VERB
hassl-3974	30	10	their	their	PRON
hassl-3974	30	11	finances	finance	NOUN
hassl-3974	30	12	better	well	ADV
hassl-3974	30	13	.	.	PUNCT
hassl-3974	31	1	furthermore	furthermore	ADV
hassl-3974	31	2	,	,	PUNCT
hassl-3974	31	3	higher	high	ADJ
hassl-3974	31	4	-	-	PUNCT
hassl-3974	31	5	value	value	NOUN
hassl-3974	31	6	transactions	transaction	NOUN
hassl-3974	31	7	typically	typically	ADV
hassl-3974	31	8	require	require	VERB
hassl-3974	31	9	greater	great	ADJ
hassl-3974	31	10	financial	financial	ADJ
hassl-3974	31	11	literacy	literacy	NOUN
hassl-3974	31	12	(	(	PUNCT
hassl-3974	31	13	vigneron	vigneron	NOUN
hassl-3974	31	14	&	&	CCONJ
hassl-3974	31	15	johnson	johnson	PROPN
hassl-3974	31	16	,	,	PUNCT
hassl-3974	31	17	1999	1999	NUM
hassl-3974	31	18	)	)	PUNCT
hassl-3974	31	19	.	.	PUNCT
hassl-3974	32	1	digital	digital	ADJ
hassl-3974	32	2	financial	financial	ADJ
hassl-3974	32	3	services	service	NOUN
hassl-3974	32	4	are	be	AUX
hassl-3974	32	5	known	know	VERB
hassl-3974	32	6	as	as	ADP
hassl-3974	32	7	the	the	DET
hassl-3974	32	8	most	most	ADV
hassl-3974	32	9	promising	promising	ADJ
hassl-3974	32	10	mechanism	mechanism	NOUN
hassl-3974	32	11	to	to	PART
hassl-3974	32	12	convey	convey	VERB
hassl-3974	32	13	financial	financial	ADJ
hassl-3974	32	14	services	service	NOUN
hassl-3974	32	15	to	to	ADP
hassl-3974	32	16	customers	customer	NOUN
hassl-3974	32	17	with	with	ADP
hassl-3974	32	18	the	the	DET
hassl-3974	32	19	application	application	NOUN
hassl-3974	32	20	of	of	ADP
hassl-3974	32	21	digital	digital	ADJ
hassl-3974	32	22	technology	technology	NOUN
hassl-3974	32	23	(	(	PUNCT
hassl-3974	32	24	lyons	lyons	PROPN
hassl-3974	32	25	,	,	PUNCT
hassl-3974	32	26	kass	kass	NOUN
hassl-3974	32	27	-	-	PUNCT
hassl-3974	32	28	hanna	hanna	PROPN
hassl-3974	32	29	,	,	PUNCT
hassl-3974	32	30	&	&	CCONJ
hassl-3974	32	31	greenlee	greenlee	PROPN
hassl-3974	32	32	,	,	PUNCT
hassl-3974	32	33	2020	2020	NUM
hassl-3974	32	34	)	)	PUNCT
hassl-3974	32	35	.	.	PUNCT
hassl-3974	33	1	nowadays	nowadays	ADV
hassl-3974	33	2	,	,	PUNCT
hassl-3974	33	3	the	the	DET
hassl-3974	33	4	number	number	NOUN
hassl-3974	33	5	of	of	ADP
hassl-3974	33	6	people	people	NOUN
hassl-3974	33	7	using	use	VERB
hassl-3974	33	8	digital	digital	ADJ
hassl-3974	33	9	devices	device	NOUN
hassl-3974	33	10	such	such	ADJ
hassl-3974	33	11	as	as	ADP
hassl-3974	33	12	mobile	mobile	ADJ
hassl-3974	33	13	phones	phone	NOUN
hassl-3974	33	14	,	,	PUNCT
hassl-3974	33	15	smartphones	smartphone	NOUN
hassl-3974	33	16	,	,	PUNCT
hassl-3974	33	17	and	and	CCONJ
hassl-3974	33	18	tablets	tablet	NOUN
hassl-3974	33	19	has	have	AUX
hassl-3974	33	20	increased	increase	VERB
hassl-3974	33	21	very	very	ADV
hassl-3974	33	22	quickly	quickly	ADV
hassl-3974	33	23	.	.	PUNCT
hassl-3974	34	1	they	they	PRON
hassl-3974	34	2	need	need	VERB
hassl-3974	34	3	to	to	PART
hassl-3974	34	4	have	have	VERB
hassl-3974	34	5	sufficient	sufficient	ADJ
hassl-3974	34	6	skills	skill	NOUN
hassl-3974	34	7	and	and	CCONJ
hassl-3974	34	8	knowledge	knowledge	NOUN
hassl-3974	34	9	to	to	PART
hassl-3974	34	10	operate	operate	VERB
hassl-3974	34	11	digital	digital	ADJ
hassl-3974	34	12	devices	device	NOUN
hassl-3974	34	13	to	to	PART
hassl-3974	34	14	perform	perform	VERB
hassl-3974	34	15	financial	financial	ADJ
hassl-3974	34	16	transactions	transaction	NOUN
hassl-3974	34	17	.	.	PUNCT
hassl-3974	35	1	thus	thus	ADV
hassl-3974	35	2	,	,	PUNCT
hassl-3974	35	3	there	there	PRON
hassl-3974	35	4	is	be	VERB
hassl-3974	35	5	a	a	DET
hassl-3974	35	6	growing	grow	VERB
hassl-3974	35	7	need	need	NOUN
hassl-3974	35	8	to	to	PART
hassl-3974	35	9	enhance	enhance	VERB
hassl-3974	35	10	financial	financial	ADJ
hassl-3974	35	11	literacy	literacy	NOUN
hassl-3974	35	12	to	to	PART
hassl-3974	35	13	adapt	adapt	VERB
hassl-3974	35	14	to	to	ADP
hassl-3974	35	15	the	the	DET
hassl-3974	35	16	rapidly	rapidly	ADV
hassl-3974	35	17	changing	change	VERB
hassl-3974	35	18	digital	digital	ADJ
hassl-3974	35	19	economy	economy	NOUN
hassl-3974	35	20	.	.	PUNCT
hassl-3974	36	1	digital	digital	ADJ
hassl-3974	36	2	financial	financial	ADJ
hassl-3974	36	3	literacy	literacy	NOUN
hassl-3974	36	4	is	be	AUX
hassl-3974	36	5	considered	consider	VERB
hassl-3974	36	6	a	a	DET
hassl-3974	36	7	mediation	mediation	NOUN
hassl-3974	36	8	factor	factor	NOUN
hassl-3974	36	9	encouraging	encourage	VERB
hassl-3974	36	10	people	people	NOUN
hassl-3974	36	11	to	to	PART
hassl-3974	36	12	make	make	VERB
hassl-3974	36	13	the	the	DET
hassl-3974	36	14	best	good	ADJ
hassl-3974	36	15	use	use	NOUN
hassl-3974	36	16	of	of	ADP
hassl-3974	36	17	their	their	PRON
hassl-3974	36	18	financial	financial	ADJ
hassl-3974	36	19	literacy	literacy	NOUN
hassl-3974	36	20	when	when	SCONJ
hassl-3974	36	21	making	make	VERB
hassl-3974	36	22	financial	financial	ADJ
hassl-3974	36	23	decisions	decision	NOUN
hassl-3974	36	24	and	and	CCONJ
hassl-3974	36	25	enhancing	enhance	VERB
hassl-3974	36	26	the	the	DET
hassl-3974	36	27	effectiveness	effectiveness	NOUN
hassl-3974	36	28	of	of	ADP
hassl-3974	36	29	both	both	CCONJ
hassl-3974	36	30	financial	financial	ADJ
hassl-3974	36	31	literacy	literacy	NOUN
hassl-3974	36	32	and	and	CCONJ
hassl-3974	36	33	financial	financial	ADJ
hassl-3974	36	34	matters	matter	NOUN
hassl-3974	36	35	.	.	PUNCT
hassl-3974	37	1	in	in	ADP
hassl-3974	37	2	vietnam	vietnam	PROPN
hassl-3974	37	3	,	,	PUNCT
hassl-3974	37	4	digital	digital	ADJ
hassl-3974	37	5	financial	financial	ADJ
hassl-3974	37	6	literacy	literacy	NOUN
hassl-3974	37	7	is	be	AUX
hassl-3974	37	8	increasingly	increasingly	ADV
hassl-3974	37	9	relevant	relevant	ADJ
hassl-3974	37	10	as	as	SCONJ
hassl-3974	37	11	the	the	DET
hassl-3974	37	12	banking	banking	NOUN
hassl-3974	37	13	industry	industry	NOUN
hassl-3974	37	14	undergoes	undergo	VERB
hassl-3974	37	15	rapid	rapid	ADJ
hassl-3974	37	16	digitalization	digitalization	NOUN
hassl-3974	37	17	with	with	ADP
hassl-3974	37	18	modern	modern	ADJ
hassl-3974	37	19	digital	digital	ADJ
hassl-3974	37	20	banking	banking	NOUN
hassl-3974	37	21	channels	channel	NOUN
hassl-3974	37	22	transforming	transform	VERB
hassl-3974	37	23	financial	financial	ADJ
hassl-3974	37	24	interactions	interaction	NOUN
hassl-3974	37	25	(	(	PUNCT
hassl-3974	37	26	shaikh	shaikh	PROPN
hassl-3974	37	27	,	,	PUNCT
hassl-3974	37	28	alamoudi	alamoudi	PROPN
hassl-3974	37	29	,	,	PUNCT
hassl-3974	37	30	alharthi	alharthi	PROPN
hassl-3974	37	31	,	,	PUNCT
hassl-3974	37	32	&	&	CCONJ
hassl-3974	37	33	glavee	glavee	PROPN
hassl-3974	37	34	-	-	PUNCT
hassl-3974	37	35	geo	geo	PROPN
hassl-3974	37	36	,	,	PUNCT
hassl-3974	37	37	2022	2022	NUM
hassl-3974	37	38	)	)	PUNCT
hassl-3974	37	39	.	.	PUNCT
hassl-3974	38	1	vietnam	vietnam	PROPN
hassl-3974	38	2	ranks	rank	VERB
hassl-3974	38	3	second	second	ADV
hassl-3974	38	4	globally	globally	ADV
hassl-3974	38	5	in	in	ADP
hassl-3974	38	6	financial	financial	ADJ
hassl-3974	38	7	exclusion	exclusion	NOUN
hassl-3974	38	8	with	with	ADP
hassl-3974	38	9	69	69	NUM
hassl-3974	38	10	%	%	NOUN
hassl-3974	38	11	of	of	ADP
hassl-3974	38	12	the	the	DET
hassl-3974	38	13	population	population	NOUN
hassl-3974	38	14	lacking	lack	VERB
hassl-3974	38	15	bank	bank	NOUN
hassl-3974	38	16	accounts	account	NOUN
hassl-3974	38	17	despite	despite	SCONJ
hassl-3974	38	18	these	these	DET
hassl-3974	38	19	advancements	advancement	NOUN
hassl-3974	38	20	(	(	PUNCT
hassl-3974	38	21	merchant	merchant	NOUN
hassl-3974	38	22	machine	machine	NOUN
hassl-3974	38	23	,	,	PUNCT
hassl-3974	38	24	2021	2021	NUM
hassl-3974	38	25	)	)	PUNCT
hassl-3974	38	26	.	.	PUNCT
hassl-3974	39	1	consequently	consequently	ADV
hassl-3974	39	2	,	,	PUNCT
hassl-3974	39	3	elderly	elderly	ADJ
hassl-3974	39	4	people	people	NOUN
hassl-3974	39	5	are	be	AUX
hassl-3974	39	6	facing	face	VERB
hassl-3974	39	7	particular	particular	ADJ
hassl-3974	39	8	challenges	challenge	NOUN
hassl-3974	39	9	in	in	ADP
hassl-3974	39	10	accessing	access	VERB
hassl-3974	39	11	digital	digital	ADJ
hassl-3974	39	12	banking	banking	NOUN
hassl-3974	39	13	services	service	NOUN
hassl-3974	39	14	further	far	ADV
hassl-3974	39	15	exacerbating	exacerbate	VERB
hassl-3974	39	16	the	the	DET
hassl-3974	39	17	financial	financial	ADJ
hassl-3974	39	18	literacy	literacy	NOUN
hassl-3974	39	19	gap	gap	NOUN
hassl-3974	39	20	in	in	ADP
hassl-3974	39	21	this	this	DET
hassl-3974	39	22	demographic	demographic	NOUN
hassl-3974	39	23	.	.	PUNCT
hassl-3974	40	1	earlier	early	ADJ
hassl-3974	40	2	studies	study	NOUN
hassl-3974	40	3	on	on	ADP
hassl-3974	40	4	the	the	DET
hassl-3974	40	5	topic	topic	NOUN
hassl-3974	40	6	merely	merely	ADV
hassl-3974	40	7	focused	focus	VERB
hassl-3974	40	8	on	on	ADP
hassl-3974	40	9	the	the	DET
hassl-3974	40	10	influence	influence	NOUN
hassl-3974	40	11	of	of	ADP
hassl-3974	40	12	financial	financial	ADJ
hassl-3974	40	13	literacy	literacy	NOUN
hassl-3974	40	14	on	on	ADP
hassl-3974	40	15	saving	save	VERB
hassl-3974	40	16	behavior	behavior	NOUN
hassl-3974	40	17	.	.	PUNCT
hassl-3974	41	1	this	this	DET
hassl-3974	41	2	study	study	NOUN
hassl-3974	41	3	further	far	ADV
hassl-3974	41	4	extends	extend	VERB
hassl-3974	41	5	this	this	DET
hassl-3974	41	6	relationship	relationship	NOUN
hassl-3974	41	7	by	by	ADP
hassl-3974	41	8	examining	examine	VERB
hassl-3974	41	9	the	the	DET
hassl-3974	41	10	mediating	mediate	VERB
hassl-3974	41	11	role	role	NOUN
hassl-3974	41	12	of	of	ADP
hassl-3974	41	13	digital	digital	ADJ
hassl-3974	41	14	financial	financial	ADJ
hassl-3974	41	15	literacy	literacy	NOUN
hassl-3974	41	16	.	.	PUNCT
hassl-3974	42	1	this	this	DET
hassl-3974	42	2	study	study	NOUN
hassl-3974	42	3	contributes	contribute	VERB
hassl-3974	42	4	to	to	ADP
hassl-3974	42	5	current	current	ADJ
hassl-3974	42	6	research	research	NOUN
hassl-3974	42	7	on	on	ADP
hassl-3974	42	8	financial	financial	ADJ
hassl-3974	42	9	literacy	literacy	NOUN
hassl-3974	42	10	by	by	ADP
hassl-3974	42	11	asserting	assert	VERB
hassl-3974	42	12	the	the	DET
hassl-3974	42	13	positive	positive	ADJ
hassl-3974	42	14	impact	impact	NOUN
hassl-3974	42	15	of	of	ADP
hassl-3974	42	16	financial	financial	ADJ
hassl-3974	42	17	literacy	literacy	NOUN
hassl-3974	42	18	on	on	ADP
hassl-3974	42	19	the	the	DET
hassl-3974	42	20	saving	save	VERB
hassl-3974	42	21	behavior	behavior	NOUN
hassl-3974	42	22	of	of	ADP
hassl-3974	42	23	elderly	elderly	ADJ
hassl-3974	42	24	people	people	NOUN
hassl-3974	42	25	and	and	CCONJ
hassl-3974	42	26	also	also	ADV
hassl-3974	42	27	confirms	confirm	VERB
hassl-3974	42	28	the	the	DET
hassl-3974	42	29	positive	positive	ADJ
hassl-3974	42	30	mediating	mediate	VERB
hassl-3974	42	31	role	role	NOUN
hassl-3974	42	32	of	of	ADP
hassl-3974	42	33	digital	digital	ADJ
hassl-3974	42	34	financial	financial	ADJ
hassl-3974	42	35	literacy	literacy	NOUN
hassl-3974	42	36	in	in	ADP
hassl-3974	42	37	that	that	DET
hassl-3974	42	38	relationship	relationship	NOUN
hassl-3974	42	39	.	.	PUNCT
hassl-3974	43	1	the	the	DET
hassl-3974	43	2	authors	author	NOUN
hassl-3974	43	3	propose	propose	VERB
hassl-3974	43	4	recommendations	recommendation	NOUN
hassl-3974	43	5	to	to	PART
hassl-3974	43	6	enhance	enhance	VERB
hassl-3974	43	7	financial	financial	ADJ
hassl-3974	43	8	literacy	literacy	NOUN
hassl-3974	43	9	and	and	CCONJ
hassl-3974	43	10	digital	digital	ADJ
hassl-3974	43	11	financial	financial	ADJ
hassl-3974	43	12	literacy	literacy	NOUN
hassl-3974	43	13	,	,	PUNCT
hassl-3974	43	14	thereby	thereby	ADV
hassl-3974	43	15	strengthening	strengthen	VERB
hassl-3974	43	16	personal	personal	ADJ
hassl-3974	43	17	savings	saving	NOUN
hassl-3974	43	18	behavior	behavior	NOUN
hassl-3974	43	19	and	and	CCONJ
hassl-3974	43	20	generating	generate	VERB
hassl-3974	43	21	positive	positive	ADJ
hassl-3974	43	22	effects	effect	NOUN
hassl-3974	43	23	on	on	ADP
hassl-3974	43	24	vietnam	vietnam	PROPN
hassl-3974	43	25	's	's	PART
hassl-3974	43	26	economic	economic	ADJ
hassl-3974	43	27	and	and	CCONJ
hassl-3974	43	28	social	social	ADJ
hassl-3974	43	29	development	development	NOUN
hassl-3974	43	30	based	base	VERB
hassl-3974	43	31	on	on	ADP
hassl-3974	43	32	the	the	DET
hassl-3974	43	33	findings	finding	NOUN
hassl-3974	43	34	.	.	PUNCT
hassl-3974	44	1	the	the	DET
hassl-3974	44	2	remaining	remain	VERB
hassl-3974	44	3	research	research	NOUN
hassl-3974	44	4	is	be	AUX
hassl-3974	44	5	structured	structure	VERB
hassl-3974	44	6	as	as	SCONJ
hassl-3974	44	7	follows	follow	VERB
hassl-3974	44	8	:	:	PUNCT
hassl-3974	44	9	section	section	NOUN
hassl-3974	44	10	2	2	NUM
hassl-3974	44	11	introduces	introduce	NOUN
hassl-3974	44	12	the	the	DET
hassl-3974	44	13	previous	previous	ADJ
hassl-3974	44	14	studies	study	NOUN
hassl-3974	44	15	on	on	ADP
hassl-3974	44	16	financial	financial	ADJ
hassl-3974	44	17	literacy	literacy	NOUN
hassl-3974	44	18	,	,	PUNCT
hassl-3974	44	19	digital	digital	ADJ
hassl-3974	44	20	financial	financial	ADJ
hassl-3974	44	21	literacy	literacy	NOUN
hassl-3974	44	22	,	,	PUNCT
hassl-3974	44	23	and	and	CCONJ
hassl-3974	44	24	their	their	PRON
hassl-3974	44	25	impacts	impact	NOUN
hassl-3974	44	26	on	on	ADP
hassl-3974	44	27	the	the	DET
hassl-3974	44	28	saving	save	VERB
hassl-3974	44	29	behavior	behavior	NOUN
hassl-3974	44	30	of	of	ADP
hassl-3974	44	31	elderly	elderly	ADJ
hassl-3974	44	32	people	people	NOUN
hassl-3974	44	33	.	.	PUNCT
hassl-3974	45	1	section	section	NOUN
hassl-3974	45	2	3	3	NUM
hassl-3974	45	3	focuses	focus	VERB
hassl-3974	45	4	on	on	ADP
hassl-3974	45	5	the	the	DET
hassl-3974	45	6	research	research	NOUN
hassl-3974	45	7	methodology	methodology	NOUN
hassl-3974	45	8	used	use	VERB
hassl-3974	45	9	in	in	ADP
hassl-3974	45	10	the	the	DET
hassl-3974	45	11	study	study	NOUN
hassl-3974	45	12	.	.	PUNCT
hassl-3974	46	1	section	section	NOUN
hassl-3974	46	2	4	4	NUM
hassl-3974	46	3	presents	present	VERB
hassl-3974	46	4	the	the	DET
hassl-3974	46	5	results	result	NOUN
hassl-3974	46	6	of	of	ADP
hassl-3974	46	7	the	the	DET
hassl-3974	46	8	model	model	NOUN
hassl-3974	46	9	(	(	PUNCT
hassl-3974	46	10	presumably	presumably	ADV
hassl-3974	46	11	the	the	DET
hassl-3974	46	12	research	research	NOUN
hassl-3974	46	13	model	model	NOUN
hassl-3974	46	14	or	or	CCONJ
hassl-3974	46	15	statistical	statistical	ADJ
hassl-3974	46	16	analysis	analysis	NOUN
hassl-3974	46	17	)	)	PUNCT
hassl-3974	46	18	and	and	CCONJ
hassl-3974	46	19	section	section	NOUN
hassl-3974	46	20	5	5	NUM
hassl-3974	46	21	provides	provide	VERB
hassl-3974	46	22	a	a	DET
hassl-3974	46	23	conclusion	conclusion	NOUN
hassl-3974	46	24	based	base	VERB
hassl-3974	46	25	on	on	ADP
hassl-3974	46	26	these	these	DET
hassl-3974	46	27	findings	finding	NOUN
hassl-3974	46	28	.	.	PUNCT
hassl-3974	47	1	2	2	X
hassl-3974	47	2	.	.	X
hassl-3974	47	3	literature	literature	NOUN
hassl-3974	47	4	review	review	VERB
hassl-3974	47	5	2.1	2.1	NUM
hassl-3974	47	6	.	.	PUNCT
hassl-3974	48	1	financial	financial	ADJ
hassl-3974	48	2	literacy	literacy	NOUN
hassl-3974	48	3	over	over	ADP
hassl-3974	48	4	the	the	DET
hassl-3974	48	5	past	past	ADJ
hassl-3974	48	6	few	few	ADJ
hassl-3974	48	7	decades	decade	NOUN
hassl-3974	48	8	,	,	PUNCT
hassl-3974	48	9	financial	financial	ADJ
hassl-3974	48	10	markets	market	NOUN
hassl-3974	48	11	have	have	AUX
hassl-3974	48	12	experienced	experience	VERB
hassl-3974	48	13	a	a	DET
hassl-3974	48	14	period	period	NOUN
hassl-3974	48	15	of	of	ADP
hassl-3974	48	16	extensive	extensive	ADJ
hassl-3974	48	17	development	development	NOUN
hassl-3974	48	18	with	with	ADP
hassl-3974	48	19	products	product	NOUN
hassl-3974	48	20	and	and	CCONJ
hassl-3974	48	21	financial	financial	ADJ
hassl-3974	48	22	services	service	NOUN
hassl-3974	48	23	made	make	VERB
hassl-3974	48	24	easily	easily	ADV
hassl-3974	48	25	accessible	accessible	ADJ
hassl-3974	48	26	to	to	ADP
hassl-3974	48	27	all	all	DET
hassl-3974	48	28	citizens	citizen	NOUN
hassl-3974	48	29	.	.	PUNCT
hassl-3974	49	1	in	in	ADP
hassl-3974	49	2	the	the	DET
hassl-3974	49	3	meantime	meantime	NOUN
hassl-3974	49	4	,	,	PUNCT
hassl-3974	49	5	people	people	NOUN
hassl-3974	49	6	need	need	VERB
hassl-3974	49	7	to	to	PART
hassl-3974	49	8	have	have	VERB
hassl-3974	49	9	awareness	awareness	NOUN
hassl-3974	49	10	,	,	PUNCT
hassl-3974	49	11	skills	skill	NOUN
hassl-3974	49	12	,	,	PUNCT
hassl-3974	49	13	and	and	CCONJ
hassl-3974	49	14	the	the	DET
hassl-3974	49	15	right	right	ADJ
hassl-3974	49	16	attitudes	attitude	NOUN
hassl-3974	49	17	towards	towards	ADP
hassl-3974	49	18	financial	financial	ADJ
hassl-3974	49	19	matters	matter	NOUN
hassl-3974	49	20	.	.	PUNCT
hassl-3974	50	1	financial	financial	ADJ
hassl-3974	50	2	literacy	literacy	NOUN
hassl-3974	50	3	refers	refer	VERB
hassl-3974	50	4	to	to	ADP
hassl-3974	50	5	the	the	DET
hassl-3974	50	6	ability	ability	NOUN
hassl-3974	50	7	to	to	PART
hassl-3974	50	8	use	use	VERB
hassl-3974	50	9	an	an	DET
hassl-3974	50	10	understanding	understanding	NOUN
hassl-3974	50	11	of	of	ADP
hassl-3974	50	12	finance	finance	NOUN
hassl-3974	50	13	to	to	PART
hassl-3974	50	14	deal	deal	VERB
hassl-3974	50	15	with	with	ADP
hassl-3974	50	16	financial	financial	ADJ
hassl-3974	50	17	issues	issue	NOUN
hassl-3974	50	18	.	.	PUNCT
hassl-3974	51	1	michael	michael	PROPN
hassl-3974	51	2	,	,	PUNCT
hassl-3974	51	3	hill	hill	PROPN
hassl-3974	51	4	,	,	PUNCT
hassl-3974	51	5	and	and	CCONJ
hassl-3974	51	6	perdue	perdue	ADJ
hassl-3974	51	7	(	(	PUNCT
hassl-3974	51	8	2010	2010	NUM
hassl-3974	51	9	)	)	PUNCT
hassl-3974	51	10	emphasized	emphasize	VERB
hassl-3974	51	11	the	the	DET
hassl-3974	51	12	importance	importance	NOUN
hassl-3974	51	13	of	of	ADP
hassl-3974	51	14	financial	financial	ADJ
hassl-3974	51	15	literacy	literacy	NOUN
hassl-3974	51	16	in	in	ADP
hassl-3974	51	17	modern	modern	ADJ
hassl-3974	51	18	society	society	NOUN
hassl-3974	51	19	.	.	PUNCT
hassl-3974	52	1	financial	financial	ADJ
hassl-3974	52	2	literacy	literacy	NOUN
hassl-3974	52	3	enables	enable	VERB
hassl-3974	52	4	individuals	individual	NOUN
hassl-3974	52	5	to	to	PART
hassl-3974	52	6	use	use	VERB
hassl-3974	52	7	financial	financial	ADJ
hassl-3974	52	8	information	information	NOUN
hassl-3974	52	9	to	to	PART
hassl-3974	52	10	understand	understand	VERB
hassl-3974	52	11	financial	financial	ADJ
hassl-3974	52	12	matters	matter	NOUN
hassl-3974	52	13	and	and	CCONJ
hassl-3974	52	14	make	make	VERB
hassl-3974	52	15	appropriate	appropriate	ADJ
hassl-3974	52	16	financial	financial	ADJ
hassl-3974	52	17	decisions	decision	NOUN
hassl-3974	52	18	.	.	PUNCT
hassl-3974	53	1	remund	remund	NOUN
hassl-3974	53	2	(	(	PUNCT
hassl-3974	53	3	2010	2010	NUM
hassl-3974	53	4	)	)	PUNCT
hassl-3974	53	5	defined	define	VERB
hassl-3974	53	6	financial	financial	ADJ
hassl-3974	53	7	literacy	literacy	NOUN
hassl-3974	53	8	as	as	ADP
hassl-3974	53	9	a	a	DET
hassl-3974	53	10	person	person	NOUN
hassl-3974	53	11	’s	’s	PART
hassl-3974	53	12	competency	competency	NOUN
hassl-3974	53	13	to	to	PART
hassl-3974	53	14	manage	manage	VERB
hassl-3974	53	15	his	his	PRON
hassl-3974	53	16	money	money	NOUN
hassl-3974	53	17	which	which	PRON
hassl-3974	53	18	involves	involve	VERB
hassl-3974	53	19	the	the	DET
hassl-3974	53	20	ability	ability	NOUN
hassl-3974	53	21	to	to	PART
hassl-3974	53	22	understand	understand	VERB
hassl-3974	53	23	and	and	CCONJ
hassl-3974	53	24	communicate	communicate	VERB
hassl-3974	53	25	financial	financial	ADJ
hassl-3974	53	26	concepts	concept	NOUN
hassl-3974	53	27	,	,	PUNCT
hassl-3974	53	28	manage	manage	VERB
hassl-3974	53	29	his	his	PRON
hassl-3974	53	30	financial	financial	ADJ
hassl-3974	53	31	matters	matter	NOUN
hassl-3974	53	32	,	,	PUNCT
hassl-3974	53	33	confidently	confidently	ADV
hassl-3974	53	34	make	make	VERB
hassl-3974	53	35	financial	financial	ADJ
hassl-3974	53	36	decisions	decision	NOUN
hassl-3974	53	37	and	and	CCONJ
hassl-3974	53	38	make	make	VERB
hassl-3974	53	39	future	future	ADJ
hassl-3974	53	40	financial	financial	ADJ
hassl-3974	53	41	plans	plan	NOUN
hassl-3974	53	42	.	.	PUNCT
hassl-3974	54	1	the	the	DET
hassl-3974	54	2	financial	financial	ADJ
hassl-3974	54	3	literacy	literacy	NOUN
hassl-3974	54	4	of	of	ADP
hassl-3974	54	5	elderly	elderly	ADJ
hassl-3974	54	6	people	people	NOUN
hassl-3974	54	7	is	be	AUX
hassl-3974	54	8	of	of	ADP
hassl-3974	54	9	great	great	ADJ
hassl-3974	54	10	interest	interest	NOUN
hassl-3974	54	11	as	as	ADP
hassl-3974	54	12	when	when	SCONJ
hassl-3974	54	13	people	people	NOUN
hassl-3974	54	14	grow	grow	VERB
hassl-3974	54	15	old	old	ADJ
hassl-3974	54	16	,	,	PUNCT
hassl-3974	54	17	they	they	PRON
hassl-3974	54	18	seem	seem	VERB
hassl-3974	54	19	to	to	PART
hassl-3974	54	20	have	have	VERB
hassl-3974	54	21	more	more	ADJ
hassl-3974	54	22	resources	resource	NOUN
hassl-3974	54	23	to	to	PART
hassl-3974	54	24	manage	manage	VERB
hassl-3974	54	25	than	than	ADP
hassl-3974	54	26	at	at	ADP
hassl-3974	54	27	their	their	PRON
hassl-3974	54	28	earlier	early	ADJ
hassl-3974	54	29	age	age	NOUN
hassl-3974	54	30	.	.	PUNCT
hassl-3974	55	1	sound	sound	ADJ
hassl-3974	55	2	financial	financial	ADJ
hassl-3974	55	3	decision	decision	NOUN
hassl-3974	55	4	-	-	PUNCT
hassl-3974	55	5	making	making	NOUN
hassl-3974	55	6	becomes	become	VERB
hassl-3974	55	7	very	very	ADV
hassl-3974	55	8	important	important	ADJ
hassl-3974	55	9	as	as	SCONJ
hassl-3974	55	10	it	it	PRON
hassl-3974	55	11	ensures	ensure	VERB
hassl-3974	55	12	the	the	DET
hassl-3974	55	13	financial	financial	ADJ
hassl-3974	55	14	security	security	NOUN
hassl-3974	55	15	of	of	ADP
hassl-3974	55	16	old	old	ADJ
hassl-3974	55	17	people	people	NOUN
hassl-3974	55	18	.	.	PUNCT
hassl-3974	56	1	according	accord	VERB
hassl-3974	56	2	to	to	ADP
hassl-3974	56	3	annamaria	annamaria	PROPN
hassl-3974	56	4	lusardi	lusardi	PROPN
hassl-3974	56	5	and	and	CCONJ
hassl-3974	56	6	mitchell	mitchell	PROPN
hassl-3974	56	7	(	(	PUNCT
hassl-3974	56	8	2011	2011	NUM
hassl-3974	56	9	)	)	PUNCT
hassl-3974	56	10	financial	financial	ADJ
hassl-3974	56	11	planning	planning	NOUN
hassl-3974	56	12	is	be	AUX
hassl-3974	56	13	considered	consider	VERB
hassl-3974	56	14	an	an	DET
hassl-3974	56	15	important	important	ADJ
hassl-3974	56	16	factor	factor	NOUN
hassl-3974	56	17	in	in	ADP
hassl-3974	56	18	retirement	retirement	NOUN
hassl-3974	56	19	planning	planning	NOUN
hassl-3974	56	20	.	.	PUNCT
hassl-3974	57	1	humanities	humanity	NOUN
hassl-3974	57	2	and	and	CCONJ
hassl-3974	57	3	social	social	ADJ
hassl-3974	57	4	sciences	science	NOUN
hassl-3974	57	5	letters	letter	NOUN
hassl-3974	57	6	,	,	PUNCT
hassl-3974	57	7	2025	2025	NUM
hassl-3974	57	8	,	,	PUNCT
hassl-3974	57	9	13(1	13(1	NUM
hassl-3974	57	10	):	):	PUNCT
hassl-3974	57	11	45	45	NUM
hassl-3974	57	12	-	-	SYM
hassl-3974	57	13	55	55	NUM
hassl-3974	57	14	47	47	NUM
hassl-3974	57	15	©	©	PROPN
hassl-3974	57	16	2025	2025	NUM
hassl-3974	57	17	conscientia	conscientia	PROPN
hassl-3974	57	18	beam	beam	PROPN
hassl-3974	57	19	.	.	PUNCT
hassl-3974	58	1	all	all	DET
hassl-3974	58	2	rights	right	NOUN
hassl-3974	58	3	reserved	reserve	VERB
hassl-3974	58	4	.	.	PUNCT
hassl-3974	59	1	harahap	harahap	ADJ
hassl-3974	59	2	,	,	PUNCT
hassl-3974	59	3	thoyib	thoyib	NOUN
hassl-3974	59	4	,	,	PUNCT
hassl-3974	59	5	sumiati	sumiati	NOUN
hassl-3974	59	6	,	,	PUNCT
hassl-3974	59	7	and	and	CCONJ
hassl-3974	59	8	djazuli	djazuli	NOUN
hassl-3974	59	9	(	(	PUNCT
hassl-3974	59	10	2022	2022	NUM
hassl-3974	59	11	)	)	PUNCT
hassl-3974	59	12	researched	research	VERB
hassl-3974	59	13	the	the	DET
hassl-3974	59	14	causal	causal	ADJ
hassl-3974	59	15	effect	effect	NOUN
hassl-3974	59	16	between	between	ADP
hassl-3974	59	17	financial	financial	ADJ
hassl-3974	59	18	literacy	literacy	NOUN
hassl-3974	59	19	and	and	CCONJ
hassl-3974	59	20	retirement	retirement	NOUN
hassl-3974	59	21	planning	planning	NOUN
hassl-3974	59	22	with	with	ADP
hassl-3974	59	23	the	the	DET
hassl-3974	59	24	mediating	mediate	VERB
hassl-3974	59	25	role	role	NOUN
hassl-3974	59	26	of	of	ADP
hassl-3974	59	27	financial	financial	ADJ
hassl-3974	59	28	risk	risk	NOUN
hassl-3974	59	29	tolerance	tolerance	NOUN
hassl-3974	59	30	and	and	CCONJ
hassl-3974	59	31	saving	save	VERB
hassl-3974	59	32	behavior	behavior	NOUN
hassl-3974	59	33	in	in	ADP
hassl-3974	59	34	indonesia	indonesia	PROPN
hassl-3974	59	35	.	.	PUNCT
hassl-3974	60	1	the	the	DET
hassl-3974	60	2	research	research	NOUN
hassl-3974	60	3	sample	sample	NOUN
hassl-3974	60	4	consisted	consist	VERB
hassl-3974	60	5	of	of	ADP
hassl-3974	60	6	388	388	NUM
hassl-3974	60	7	medium	medium	ADJ
hassl-3974	60	8	-	-	PUNCT
hassl-3974	60	9	scale	scale	NOUN
hassl-3974	60	10	entrepreneurs	entrepreneur	NOUN
hassl-3974	60	11	who	who	PRON
hassl-3974	60	12	contributed	contribute	VERB
hassl-3974	60	13	about	about	ADP
hassl-3974	60	14	61.07	61.07	NUM
hassl-3974	60	15	%	%	NOUN
hassl-3974	60	16	to	to	ADP
hassl-3974	60	17	indonesia	indonesia	PROPN
hassl-3974	60	18	’s	’s	PART
hassl-3974	60	19	gross	gross	ADJ
hassl-3974	60	20	domestic	domestic	ADJ
hassl-3974	60	21	product	product	NOUN
hassl-3974	60	22	.	.	PUNCT
hassl-3974	61	1	the	the	DET
hassl-3974	61	2	results	result	NOUN
hassl-3974	61	3	showed	show	VERB
hassl-3974	61	4	an	an	DET
hassl-3974	61	5	average	average	ADJ
hassl-3974	61	6	score	score	NOUN
hassl-3974	61	7	of	of	ADP
hassl-3974	61	8	4.04	4.04	NUM
hassl-3974	61	9	for	for	ADP
hassl-3974	61	10	financial	financial	ADJ
hassl-3974	61	11	literacy	literacy	NOUN
hassl-3974	61	12	and	and	CCONJ
hassl-3974	61	13	4.05	4.05	NUM
hassl-3974	61	14	for	for	ADP
hassl-3974	61	15	saving	save	VERB
hassl-3974	61	16	behavior	behavior	NOUN
hassl-3974	61	17	.	.	PUNCT
hassl-3974	62	1	the	the	DET
hassl-3974	62	2	research	research	NOUN
hassl-3974	62	3	revealed	reveal	VERB
hassl-3974	62	4	that	that	SCONJ
hassl-3974	62	5	financial	financial	ADJ
hassl-3974	62	6	retirement	retirement	NOUN
hassl-3974	62	7	planning	planning	NOUN
hassl-3974	62	8	is	be	AUX
hassl-3974	62	9	not	not	PART
hassl-3974	62	10	indirectly	indirectly	ADV
hassl-3974	62	11	impacted	impact	VERB
hassl-3974	62	12	by	by	ADP
hassl-3974	62	13	financial	financial	ADJ
hassl-3974	62	14	literacy	literacy	NOUN
hassl-3974	62	15	through	through	ADP
hassl-3974	62	16	the	the	DET
hassl-3974	62	17	mediation	mediation	NOUN
hassl-3974	62	18	of	of	ADP
hassl-3974	62	19	saving	save	VERB
hassl-3974	62	20	behavior	behavior	NOUN
hassl-3974	62	21	.	.	PUNCT
hassl-3974	63	1	entrepreneurs	entrepreneur	NOUN
hassl-3974	63	2	with	with	ADP
hassl-3974	63	3	high	high	ADJ
hassl-3974	63	4	financial	financial	ADJ
hassl-3974	63	5	literacy	literacy	NOUN
hassl-3974	63	6	scores	score	NOUN
hassl-3974	63	7	tend	tend	VERB
hassl-3974	63	8	to	to	PART
hassl-3974	63	9	optimize	optimize	VERB
hassl-3974	63	10	their	their	PRON
hassl-3974	63	11	cash	cash	NOUN
hassl-3974	63	12	flow	flow	NOUN
hassl-3974	63	13	,	,	PUNCT
hassl-3974	63	14	such	such	ADJ
hassl-3974	63	15	as	as	ADP
hassl-3974	63	16	investing	invest	VERB
hassl-3974	63	17	their	their	PRON
hassl-3974	63	18	company	company	NOUN
hassl-3974	63	19	’s	’s	PART
hassl-3974	63	20	profit	profit	NOUN
hassl-3974	63	21	in	in	ADP
hassl-3974	63	22	working	work	VERB
hassl-3974	63	23	capital	capital	NOUN
hassl-3974	63	24	and	and	CCONJ
hassl-3974	63	25	new	new	ADJ
hassl-3974	63	26	projects	project	NOUN
hassl-3974	63	27	rather	rather	ADV
hassl-3974	63	28	than	than	ADP
hassl-3974	63	29	putting	put	VERB
hassl-3974	63	30	money	money	NOUN
hassl-3974	63	31	in	in	ADP
hassl-3974	63	32	saving	save	VERB
hassl-3974	63	33	accounts	account	NOUN
hassl-3974	63	34	.	.	PUNCT
hassl-3974	64	1	however	however	ADV
hassl-3974	64	2	,	,	PUNCT
hassl-3974	64	3	this	this	DET
hassl-3974	64	4	research	research	NOUN
hassl-3974	64	5	also	also	ADV
hassl-3974	64	6	confirmed	confirm	VERB
hassl-3974	64	7	the	the	DET
hassl-3974	64	8	positive	positive	ADJ
hassl-3974	64	9	relationship	relationship	NOUN
hassl-3974	64	10	between	between	ADP
hassl-3974	64	11	financial	financial	ADJ
hassl-3974	64	12	risk	risk	NOUN
hassl-3974	64	13	tolerance	tolerance	NOUN
hassl-3974	64	14	and	and	CCONJ
hassl-3974	64	15	saving	save	VERB
hassl-3974	64	16	behavior	behavior	NOUN
hassl-3974	64	17	of	of	ADP
hassl-3974	64	18	medium	medium	ADJ
hassl-3974	64	19	-	-	PUNCT
hassl-3974	64	20	scale	scale	NOUN
hassl-3974	64	21	entrepreneurs	entrepreneur	NOUN
hassl-3974	64	22	.	.	PUNCT
hassl-3974	65	1	they	they	PRON
hassl-3974	65	2	are	be	AUX
hassl-3974	65	3	oriented	orient	VERB
hassl-3974	65	4	to	to	PART
hassl-3974	65	5	prepare	prepare	VERB
hassl-3974	65	6	emergency	emergency	NOUN
hassl-3974	65	7	funds	fund	NOUN
hassl-3974	65	8	in	in	ADP
hassl-3974	65	9	the	the	DET
hassl-3974	65	10	form	form	NOUN
hassl-3974	65	11	of	of	ADP
hassl-3974	65	12	capital	capital	NOUN
hassl-3974	65	13	reserves	reserve	NOUN
hassl-3974	65	14	to	to	PART
hassl-3974	65	15	suffer	suffer	VERB
hassl-3974	65	16	from	from	ADP
hassl-3974	65	17	unexpected	unexpected	ADJ
hassl-3974	65	18	loss	loss	NOUN
hassl-3974	65	19	or	or	CCONJ
hassl-3974	65	20	urgent	urgent	ADJ
hassl-3974	65	21	needs	need	NOUN
hassl-3974	65	22	of	of	ADP
hassl-3974	65	23	cash	cash	NOUN
hassl-3974	65	24	.	.	PUNCT
hassl-3974	66	1	fong	fong	PROPN
hassl-3974	66	2	,	,	PUNCT
hassl-3974	66	3	koh	koh	PROPN
hassl-3974	66	4	,	,	PUNCT
hassl-3974	66	5	mitchell	mitchell	PROPN
hassl-3974	66	6	,	,	PUNCT
hassl-3974	66	7	and	and	CCONJ
hassl-3974	66	8	rohwedder	rohwedder	NOUN
hassl-3974	66	9	(	(	PUNCT
hassl-3974	66	10	2021	2021	NUM
hassl-3974	66	11	)	)	PUNCT
hassl-3974	66	12	used	use	VERB
hassl-3974	66	13	data	datum	NOUN
hassl-3974	66	14	from	from	ADP
hassl-3974	66	15	the	the	DET
hassl-3974	66	16	2015	2015	NUM
hassl-3974	66	17	-	-	SYM
hassl-3974	66	18	2017	2017	NUM
hassl-3974	66	19	singapore	singapore	PROPN
hassl-3974	66	20	life	life	NOUN
hassl-3974	66	21	panel	panel	NOUN
hassl-3974	66	22	,	,	PUNCT
hassl-3974	66	23	an	an	DET
hassl-3974	66	24	internetbased	internetbased	ADJ
hassl-3974	66	25	survey	survey	NOUN
hassl-3974	66	26	with	with	ADP
hassl-3974	66	27	respondents	respondent	NOUN
hassl-3974	66	28	aged	age	VERB
hassl-3974	66	29	50	50	NUM
hassl-3974	66	30	-	-	SYM
hassl-3974	66	31	70	70	NUM
hassl-3974	66	32	.	.	PUNCT
hassl-3974	67	1	the	the	DET
hassl-3974	67	2	financial	financial	ADJ
hassl-3974	67	3	literacy	literacy	NOUN
hassl-3974	67	4	of	of	ADP
hassl-3974	67	5	respondents	respondent	NOUN
hassl-3974	67	6	is	be	AUX
hassl-3974	67	7	measured	measure	VERB
hassl-3974	67	8	at	at	ADP
hassl-3974	67	9	individual	individual	ADJ
hassl-3974	67	10	levels	level	NOUN
hassl-3974	67	11	by	by	ADP
hassl-3974	67	12	answering	answer	VERB
hassl-3974	67	13	three	three	NUM
hassl-3974	67	14	financial	financial	ADJ
hassl-3974	67	15	literacy	literacy	NOUN
hassl-3974	67	16	questions	question	NOUN
hassl-3974	67	17	known	know	VERB
hassl-3974	67	18	as	as	ADP
hassl-3974	67	19	the	the	DET
hassl-3974	67	20	big	big	ADJ
hassl-3974	67	21	three	three	NUM
hassl-3974	67	22	questions	question	NOUN
hassl-3974	67	23	testing	test	VERB
hassl-3974	67	24	the	the	DET
hassl-3974	67	25	capacity	capacity	NOUN
hassl-3974	67	26	to	to	PART
hassl-3974	67	27	understand	understand	VERB
hassl-3974	67	28	and	and	CCONJ
hassl-3974	67	29	do	do	VERB
hassl-3974	67	30	calculations	calculation	NOUN
hassl-3974	67	31	on	on	ADP
hassl-3974	67	32	interest	interest	NOUN
hassl-3974	67	33	rates	rate	NOUN
hassl-3974	67	34	,	,	PUNCT
hassl-3974	67	35	inflations	inflation	NOUN
hassl-3974	67	36	and	and	CCONJ
hassl-3974	67	37	diversifications	diversification	NOUN
hassl-3974	67	38	of	of	ADP
hassl-3974	67	39	risk	risk	NOUN
hassl-3974	67	40	.	.	PUNCT
hassl-3974	68	1	the	the	DET
hassl-3974	68	2	study	study	NOUN
hassl-3974	68	3	finds	find	VERB
hassl-3974	68	4	that	that	SCONJ
hassl-3974	68	5	the	the	PRON
hassl-3974	68	6	higher	high	ADJ
hassl-3974	68	7	their	their	PRON
hassl-3974	68	8	financial	financial	ADJ
hassl-3974	68	9	literacy	literacy	NOUN
hassl-3974	68	10	scores	score	NOUN
hassl-3974	68	11	,	,	PUNCT
hassl-3974	68	12	the	the	DET
hassl-3974	68	13	better	well	ADJ
hassl-3974	68	14	old	old	ADJ
hassl-3974	68	15	people	people	NOUN
hassl-3974	68	16	manage	manage	VERB
hassl-3974	68	17	their	their	PRON
hassl-3974	68	18	financial	financial	ADJ
hassl-3974	68	19	matters	matter	NOUN
hassl-3974	68	20	as	as	ADP
hassl-3974	68	21	on	on	ADP
hassl-3974	68	22	-	-	PUNCT
hassl-3974	68	23	time	time	NOUN
hassl-3974	68	24	credit	credit	NOUN
hassl-3974	68	25	card	card	NOUN
hassl-3974	68	26	payments	payment	NOUN
hassl-3974	68	27	,	,	PUNCT
hassl-3974	68	28	stock	stock	NOUN
hassl-3974	68	29	investments	investment	NOUN
hassl-3974	68	30	and	and	CCONJ
hassl-3974	68	31	risk	risk	NOUN
hassl-3974	68	32	diversifications	diversification	NOUN
hassl-3974	68	33	.	.	PUNCT
hassl-3974	69	1	2.2	2.2	NUM
hassl-3974	69	2	.	.	PUNCT
hassl-3974	70	1	digital	digital	ADJ
hassl-3974	70	2	financial	financial	ADJ
hassl-3974	70	3	literacy	literacy	NOUN
hassl-3974	70	4	the	the	DET
hassl-3974	70	5	rapid	rapid	ADJ
hassl-3974	70	6	expansion	expansion	NOUN
hassl-3974	70	7	of	of	ADP
hassl-3974	70	8	digital	digital	ADJ
hassl-3974	70	9	products	product	NOUN
hassl-3974	70	10	and	and	CCONJ
hassl-3974	70	11	services	service	NOUN
hassl-3974	70	12	in	in	ADP
hassl-3974	70	13	recent	recent	ADJ
hassl-3974	70	14	years	year	NOUN
hassl-3974	70	15	has	have	AUX
hassl-3974	70	16	changed	change	VERB
hassl-3974	70	17	the	the	DET
hassl-3974	70	18	way	way	NOUN
hassl-3974	70	19	financial	financial	ADJ
hassl-3974	70	20	products	product	NOUN
hassl-3974	70	21	and	and	CCONJ
hassl-3974	70	22	services	service	NOUN
hassl-3974	70	23	are	be	AUX
hassl-3974	70	24	delivered	deliver	VERB
hassl-3974	70	25	to	to	ADP
hassl-3974	70	26	customers	customer	NOUN
hassl-3974	70	27	.	.	PUNCT
hassl-3974	71	1	many	many	ADJ
hassl-3974	71	2	financial	financial	ADJ
hassl-3974	71	3	services	service	NOUN
hassl-3974	71	4	are	be	AUX
hassl-3974	71	5	now	now	ADV
hassl-3974	71	6	offered	offer	VERB
hassl-3974	71	7	on	on	ADP
hassl-3974	71	8	digital	digital	ADJ
hassl-3974	71	9	platforms	platform	NOUN
hassl-3974	71	10	such	such	ADJ
hassl-3974	71	11	as	as	ADP
hassl-3974	71	12	mobile	mobile	ADJ
hassl-3974	71	13	phones	phone	NOUN
hassl-3974	71	14	,	,	PUNCT
hassl-3974	71	15	ipads	ipad	NOUN
hassl-3974	71	16	and	and	CCONJ
hassl-3974	71	17	tablets	tablet	NOUN
hassl-3974	71	18	besides	besides	SCONJ
hassl-3974	71	19	traditional	traditional	ADJ
hassl-3974	71	20	banking	banking	NOUN
hassl-3974	71	21	.	.	PUNCT
hassl-3974	72	1	people	people	NOUN
hassl-3974	72	2	can	can	AUX
hassl-3974	72	3	easily	easily	ADV
hassl-3974	72	4	access	access	VERB
hassl-3974	72	5	financial	financial	ADJ
hassl-3974	72	6	services	service	NOUN
hassl-3974	72	7	in	in	ADP
hassl-3974	72	8	a	a	DET
hassl-3974	72	9	relatively	relatively	ADV
hassl-3974	72	10	short	short	ADJ
hassl-3974	72	11	time	time	NOUN
hassl-3974	72	12	to	to	PART
hassl-3974	72	13	satisfy	satisfy	VERB
hassl-3974	72	14	their	their	PRON
hassl-3974	72	15	financial	financial	ADJ
hassl-3974	72	16	needs	need	NOUN
hassl-3974	72	17	,	,	PUNCT
hassl-3974	72	18	withdraw	withdraw	VERB
hassl-3974	72	19	money	money	NOUN
hassl-3974	72	20	,	,	PUNCT
hassl-3974	72	21	borrow	borrow	VERB
hassl-3974	72	22	money	money	NOUN
hassl-3974	72	23	,	,	PUNCT
hassl-3974	72	24	and	and	CCONJ
hassl-3974	72	25	make	make	VERB
hassl-3974	72	26	their	their	PRON
hassl-3974	72	27	investments	investment	NOUN
hassl-3974	72	28	.	.	PUNCT
hassl-3974	73	1	it	it	PRON
hassl-3974	73	2	is	be	AUX
hassl-3974	73	3	necessary	necessary	ADJ
hassl-3974	73	4	to	to	PART
hassl-3974	73	5	increase	increase	VERB
hassl-3974	73	6	public	public	ADJ
hassl-3974	73	7	literacy	literacy	NOUN
hassl-3974	73	8	in	in	ADP
hassl-3974	73	9	digital	digital	ADJ
hassl-3974	73	10	finance	finance	NOUN
hassl-3974	73	11	.	.	PUNCT
hassl-3974	74	1	prasad	prasad	PROPN
hassl-3974	74	2	,	,	PUNCT
hassl-3974	74	3	meghwal	meghwal	NOUN
hassl-3974	74	4	,	,	PUNCT
hassl-3974	74	5	and	and	CCONJ
hassl-3974	74	6	dayama	dayama	NOUN
hassl-3974	74	7	(	(	PUNCT
hassl-3974	74	8	2018	2018	NUM
hassl-3974	74	9	)	)	PUNCT
hassl-3974	74	10	defined	define	VERB
hassl-3974	74	11	digital	digital	ADJ
hassl-3974	74	12	financial	financial	ADJ
hassl-3974	74	13	literacy	literacy	NOUN
hassl-3974	74	14	as	as	ADP
hassl-3974	74	15	the	the	DET
hassl-3974	74	16	level	level	NOUN
hassl-3974	74	17	to	to	PART
hassl-3974	74	18	which	which	PRON
hassl-3974	74	19	people	people	NOUN
hassl-3974	74	20	understand	understand	VERB
hassl-3974	74	21	how	how	SCONJ
hassl-3974	74	22	to	to	PART
hassl-3974	74	23	operate	operate	VERB
hassl-3974	74	24	financial	financial	ADJ
hassl-3974	74	25	transactions	transaction	NOUN
hassl-3974	74	26	on	on	ADP
hassl-3974	74	27	digital	digital	ADJ
hassl-3974	74	28	platforms	platform	NOUN
hassl-3974	74	29	.	.	PUNCT
hassl-3974	75	1	digital	digital	ADJ
hassl-3974	75	2	financial	financial	ADJ
hassl-3974	75	3	literacy	literacy	NOUN
hassl-3974	75	4	is	be	AUX
hassl-3974	75	5	a	a	DET
hassl-3974	75	6	combination	combination	NOUN
hassl-3974	75	7	of	of	ADP
hassl-3974	75	8	financial	financial	ADJ
hassl-3974	75	9	literacy	literacy	NOUN
hassl-3974	75	10	and	and	CCONJ
hassl-3974	75	11	digital	digital	ADJ
hassl-3974	75	12	literacy	literacy	NOUN
hassl-3974	75	13	which	which	PRON
hassl-3974	75	14	includes	include	VERB
hassl-3974	75	15	different	different	ADJ
hassl-3974	75	16	aspects	aspect	NOUN
hassl-3974	75	17	such	such	ADJ
hassl-3974	75	18	as	as	ADP
hassl-3974	75	19	learning	learn	VERB
hassl-3974	75	20	about	about	ADP
hassl-3974	75	21	digital	digital	ADJ
hassl-3974	75	22	financial	financial	ADJ
hassl-3974	75	23	products	product	NOUN
hassl-3974	75	24	,	,	PUNCT
hassl-3974	75	25	the	the	DET
hassl-3974	75	26	inherent	inherent	ADJ
hassl-3974	75	27	hazards	hazard	NOUN
hassl-3974	75	28	of	of	ADP
hassl-3974	75	29	digital	digital	ADJ
hassl-3974	75	30	financial	financial	ADJ
hassl-3974	75	31	goods	good	NOUN
hassl-3974	75	32	,	,	PUNCT
hassl-3974	75	33	how	how	SCONJ
hassl-3974	75	34	to	to	PART
hassl-3974	75	35	control	control	VERB
hassl-3974	75	36	these	these	DET
hassl-3974	75	37	risks	risk	NOUN
hassl-3974	75	38	and	and	CCONJ
hassl-3974	75	39	redress	redress	NOUN
hassl-3974	75	40	procedures	procedure	NOUN
hassl-3974	75	41	(	(	PUNCT
hassl-3974	75	42	lyons	lyons	PROPN
hassl-3974	75	43	&	&	CCONJ
hassl-3974	75	44	kass‐hanna	kass‐hanna	PROPN
hassl-3974	75	45	,	,	PUNCT
hassl-3974	75	46	2021	2021	NUM
hassl-3974	75	47	;	;	PUNCT
hassl-3974	75	48	rahayu	rahayu	PROPN
hassl-3974	75	49	,	,	PUNCT
hassl-3974	75	50	ali	ali	PROPN
hassl-3974	75	51	,	,	PUNCT
hassl-3974	75	52	aulia	aulia	PROPN
hassl-3974	75	53	,	,	PUNCT
hassl-3974	75	54	&	&	CCONJ
hassl-3974	75	55	hidayah	hidayah	PROPN
hassl-3974	75	56	,	,	PUNCT
hassl-3974	75	57	2022	2022	NUM
hassl-3974	75	58	)	)	PUNCT
hassl-3974	75	59	.	.	PUNCT
hassl-3974	76	1	digital	digital	ADJ
hassl-3974	76	2	financial	financial	ADJ
hassl-3974	76	3	literacy	literacy	NOUN
hassl-3974	76	4	is	be	AUX
hassl-3974	76	5	strongly	strongly	ADV
hassl-3974	76	6	impacted	impact	VERB
hassl-3974	76	7	by	by	ADP
hassl-3974	76	8	an	an	DET
hassl-3974	76	9	individual	individual	NOUN
hassl-3974	76	10	’s	’s	PART
hassl-3974	76	11	socioeconomic	socioeconomic	ADJ
hassl-3974	76	12	characteristics	characteristic	NOUN
hassl-3974	76	13	such	such	ADJ
hassl-3974	76	14	as	as	ADP
hassl-3974	76	15	age	age	NOUN
hassl-3974	76	16	,	,	PUNCT
hassl-3974	76	17	income	income	NOUN
hassl-3974	76	18	,	,	PUNCT
hassl-3974	76	19	occupation	occupation	NOUN
hassl-3974	76	20	,	,	PUNCT
hassl-3974	76	21	and	and	CCONJ
hassl-3974	76	22	education	education	NOUN
hassl-3974	76	23	.	.	PUNCT
hassl-3974	77	1	setiawan	setiawan	PROPN
hassl-3974	77	2	,	,	PUNCT
hassl-3974	77	3	effendi	effendi	X
hassl-3974	77	4	,	,	PUNCT
hassl-3974	77	5	santoso	santoso	NOUN
hassl-3974	77	6	,	,	PUNCT
hassl-3974	77	7	dewi	dewi	PROPN
hassl-3974	77	8	,	,	PUNCT
hassl-3974	77	9	and	and	CCONJ
hassl-3974	77	10	sapulette	sapulette	PROPN
hassl-3974	77	11	(	(	PUNCT
hassl-3974	77	12	2022	2022	NUM
hassl-3974	77	13	)	)	PUNCT
hassl-3974	77	14	confirmed	confirm	VERB
hassl-3974	77	15	education	education	NOUN
hassl-3974	77	16	level	level	NOUN
hassl-3974	77	17	and	and	CCONJ
hassl-3974	77	18	income	income	NOUN
hassl-3974	77	19	as	as	ADP
hassl-3974	77	20	determinant	determinant	ADJ
hassl-3974	77	21	factors	factor	NOUN
hassl-3974	77	22	of	of	ADP
hassl-3974	77	23	an	an	DET
hassl-3974	77	24	individual	individual	NOUN
hassl-3974	77	25	’s	’s	PART
hassl-3974	77	26	digital	digital	ADJ
hassl-3974	77	27	financial	financial	ADJ
hassl-3974	77	28	literacy	literacy	NOUN
hassl-3974	77	29	.	.	PUNCT
hassl-3974	78	1	prasad	prasad	PROPN
hassl-3974	78	2	et	et	PROPN
hassl-3974	78	3	al	al	PROPN
hassl-3974	78	4	.	.	PROPN
hassl-3974	79	1	(	(	PUNCT
hassl-3974	79	2	2018	2018	NUM
hassl-3974	79	3	)	)	PUNCT
hassl-3974	79	4	in	in	ADP
hassl-3974	79	5	their	their	PRON
hassl-3974	79	6	study	study	NOUN
hassl-3974	79	7	of	of	ADP
hassl-3974	79	8	households	household	NOUN
hassl-3974	79	9	in	in	ADP
hassl-3974	79	10	udaipur	udaipur	NOUN
hassl-3974	79	11	concluded	conclude	VERB
hassl-3974	79	12	that	that	SCONJ
hassl-3974	79	13	education	education	NOUN
hassl-3974	79	14	level	level	NOUN
hassl-3974	79	15	is	be	AUX
hassl-3974	79	16	the	the	DET
hassl-3974	79	17	main	main	ADJ
hassl-3974	79	18	factor	factor	NOUN
hassl-3974	79	19	determining	determine	VERB
hassl-3974	79	20	awareness	awareness	NOUN
hassl-3974	79	21	about	about	ADP
hassl-3974	79	22	the	the	DET
hassl-3974	79	23	digital	digital	ADJ
hassl-3974	79	24	platform	platform	NOUN
hassl-3974	79	25	and	and	CCONJ
hassl-3974	79	26	how	how	SCONJ
hassl-3974	79	27	to	to	PART
hassl-3974	79	28	use	use	VERB
hassl-3974	79	29	it	it	PRON
hassl-3974	79	30	.	.	PUNCT
hassl-3974	80	1	personal	personal	ADJ
hassl-3974	80	2	income	income	NOUN
hassl-3974	80	3	also	also	ADV
hassl-3974	80	4	impacts	impact	VERB
hassl-3974	80	5	the	the	DET
hassl-3974	80	6	level	level	NOUN
hassl-3974	80	7	of	of	ADP
hassl-3974	80	8	digital	digital	ADJ
hassl-3974	80	9	financial	financial	ADJ
hassl-3974	80	10	literacy	literacy	NOUN
hassl-3974	80	11	.	.	PUNCT
hassl-3974	81	1	rahayu	rahayu	PROPN
hassl-3974	81	2	et	et	PROPN
hassl-3974	81	3	al	al	PROPN
hassl-3974	81	4	.	.	PROPN
hassl-3974	82	1	(	(	PUNCT
hassl-3974	82	2	2022	2022	NUM
hassl-3974	82	3	)	)	PUNCT
hassl-3974	82	4	conducted	conduct	VERB
hassl-3974	82	5	a	a	DET
hassl-3974	82	6	survey	survey	NOUN
hassl-3974	82	7	of	of	ADP
hassl-3974	82	8	741	741	NUM
hassl-3974	82	9	respondents	respondent	NOUN
hassl-3974	82	10	aged	age	VERB
hassl-3974	82	11	25	25	NUM
hassl-3974	82	12	-	-	SYM
hassl-3974	82	13	40	40	NUM
hassl-3974	82	14	to	to	PART
hassl-3974	82	15	evaluate	evaluate	VERB
hassl-3974	82	16	digital	digital	ADJ
hassl-3974	82	17	financial	financial	ADJ
hassl-3974	82	18	literacy	literacy	NOUN
hassl-3974	82	19	in	in	ADP
hassl-3974	82	20	indonesia	indonesia	PROPN
hassl-3974	82	21	.	.	PUNCT
hassl-3974	83	1	the	the	DET
hassl-3974	83	2	results	result	NOUN
hassl-3974	83	3	showed	show	VERB
hassl-3974	83	4	a	a	DET
hassl-3974	83	5	relatively	relatively	ADV
hassl-3974	83	6	low	low	ADJ
hassl-3974	83	7	score	score	NOUN
hassl-3974	83	8	of	of	ADP
hassl-3974	83	9	digital	digital	ADJ
hassl-3974	83	10	financial	financial	ADJ
hassl-3974	83	11	literacy	literacy	NOUN
hassl-3974	83	12	(	(	PUNCT
hassl-3974	83	13	3.32/5	3.32/5	NUM
hassl-3974	83	14	)	)	PUNCT
hassl-3974	83	15	;	;	PUNCT
hassl-3974	83	16	the	the	DET
hassl-3974	83	17	highest	high	ADJ
hassl-3974	83	18	component	component	NOUN
hassl-3974	83	19	score	score	NOUN
hassl-3974	83	20	was	be	AUX
hassl-3974	83	21	the	the	DET
hassl-3974	83	22	skill	skill	NOUN
hassl-3974	83	23	of	of	ADP
hassl-3974	83	24	the	the	DET
hassl-3974	83	25	respondents	respondent	NOUN
hassl-3974	83	26	in	in	ADP
hassl-3974	83	27	managing	manage	VERB
hassl-3974	83	28	their	their	PRON
hassl-3974	83	29	digital	digital	ADJ
hassl-3974	83	30	financial	financial	ADJ
hassl-3974	83	31	activities	activity	NOUN
hassl-3974	83	32	with	with	ADP
hassl-3974	83	33	an	an	DET
hassl-3974	83	34	average	average	NOUN
hassl-3974	83	35	of	of	ADP
hassl-3974	83	36	3.48	3.48	NUM
hassl-3974	83	37	.	.	PUNCT
hassl-3974	84	1	the	the	DET
hassl-3974	84	2	research	research	NOUN
hassl-3974	84	3	also	also	ADV
hassl-3974	84	4	confirmed	confirm	VERB
hassl-3974	84	5	the	the	DET
hassl-3974	84	6	significant	significant	ADJ
hassl-3974	84	7	relationship	relationship	NOUN
hassl-3974	84	8	between	between	ADP
hassl-3974	84	9	income	income	NOUN
hassl-3974	84	10	and	and	CCONJ
hassl-3974	84	11	the	the	DET
hassl-3974	84	12	level	level	NOUN
hassl-3974	84	13	of	of	ADP
hassl-3974	84	14	digital	digital	ADJ
hassl-3974	84	15	financial	financial	ADJ
hassl-3974	84	16	literacy	literacy	NOUN
hassl-3974	84	17	and	and	CCONJ
hassl-3974	84	18	digital	digital	ADJ
hassl-3974	84	19	financial	financial	ADJ
hassl-3974	84	20	literacy	literacy	NOUN
hassl-3974	84	21	significantly	significantly	ADV
hassl-3974	84	22	influences	influence	VERB
hassl-3974	84	23	the	the	DET
hassl-3974	84	24	financial	financial	ADJ
hassl-3974	84	25	behavior	behavior	NOUN
hassl-3974	84	26	of	of	ADP
hassl-3974	84	27	the	the	DET
hassl-3974	84	28	indonesian	indonesian	ADJ
hassl-3974	84	29	millennial	millennial	ADJ
hassl-3974	84	30	generation	generation	NOUN
hassl-3974	84	31	(	(	PUNCT
hassl-3974	84	32	spending	spending	NOUN
hassl-3974	84	33	behavior	behavior	NOUN
hassl-3974	84	34	,	,	PUNCT
hassl-3974	84	35	saving	save	VERB
hassl-3974	84	36	behavior	behavior	NOUN
hassl-3974	84	37	,	,	PUNCT
hassl-3974	84	38	and	and	CCONJ
hassl-3974	84	39	investment	investment	NOUN
hassl-3974	84	40	behavior	behavior	NOUN
hassl-3974	84	41	)	)	PUNCT
hassl-3974	84	42	.	.	PUNCT
hassl-3974	85	1	this	this	PRON
hassl-3974	85	2	indicates	indicate	VERB
hassl-3974	85	3	that	that	SCONJ
hassl-3974	85	4	people	people	NOUN
hassl-3974	85	5	with	with	ADP
hassl-3974	85	6	a	a	DET
hassl-3974	85	7	better	well	ADJ
hassl-3974	85	8	level	level	NOUN
hassl-3974	85	9	of	of	ADP
hassl-3974	85	10	digital	digital	ADJ
hassl-3974	85	11	financial	financial	ADJ
hassl-3974	85	12	literacy	literacy	NOUN
hassl-3974	85	13	tend	tend	VERB
hassl-3974	85	14	to	to	PART
hassl-3974	85	15	have	have	VERB
hassl-3974	85	16	better	well	ADJ
hassl-3974	85	17	decision	decision	NOUN
hassl-3974	85	18	-	-	PUNCT
hassl-3974	85	19	making	making	NOUN
hassl-3974	85	20	related	related	ADJ
hassl-3974	85	21	to	to	ADP
hassl-3974	85	22	their	their	PRON
hassl-3974	85	23	financial	financial	ADJ
hassl-3974	85	24	matters	matter	NOUN
hassl-3974	85	25	.	.	PUNCT
hassl-3974	86	1	ouma	ouma	PROPN
hassl-3974	86	2	,	,	PUNCT
hassl-3974	86	3	odongo	odongo	NOUN
hassl-3974	86	4	,	,	PUNCT
hassl-3974	86	5	and	and	CCONJ
hassl-3974	86	6	were	be	AUX
hassl-3974	86	7	(	(	PUNCT
hassl-3974	86	8	2017	2017	NUM
hassl-3974	86	9	)	)	PUNCT
hassl-3974	86	10	studied	study	VERB
hassl-3974	86	11	the	the	DET
hassl-3974	86	12	relationship	relationship	NOUN
hassl-3974	86	13	between	between	ADP
hassl-3974	86	14	the	the	DET
hassl-3974	86	15	popular	popular	ADJ
hassl-3974	86	16	use	use	NOUN
hassl-3974	86	17	of	of	ADP
hassl-3974	86	18	mobile	mobile	ADJ
hassl-3974	86	19	financial	financial	ADJ
hassl-3974	86	20	services	service	NOUN
hassl-3974	86	21	and	and	CCONJ
hassl-3974	86	22	saving	save	VERB
hassl-3974	86	23	behavior	behavior	NOUN
hassl-3974	86	24	in	in	ADP
hassl-3974	86	25	sub	sub	ADJ
hassl-3974	86	26	-	-	ADJ
hassl-3974	86	27	saharan	saharan	ADJ
hassl-3974	86	28	african	african	ADJ
hassl-3974	86	29	countries	country	NOUN
hassl-3974	86	30	.	.	PUNCT
hassl-3974	87	1	the	the	DET
hassl-3974	87	2	research	research	NOUN
hassl-3974	87	3	revealed	reveal	VERB
hassl-3974	87	4	that	that	SCONJ
hassl-3974	87	5	when	when	SCONJ
hassl-3974	87	6	people	people	NOUN
hassl-3974	87	7	could	could	AUX
hassl-3974	87	8	access	access	VERB
hassl-3974	87	9	financial	financial	ADJ
hassl-3974	87	10	services	service	NOUN
hassl-3974	87	11	on	on	ADP
hassl-3974	87	12	their	their	PRON
hassl-3974	87	13	mobile	mobile	ADJ
hassl-3974	87	14	phones	phone	NOUN
hassl-3974	87	15	,	,	PUNCT
hassl-3974	87	16	both	both	CCONJ
hassl-3974	87	17	the	the	DET
hassl-3974	87	18	likelihood	likelihood	NOUN
hassl-3974	87	19	of	of	ADP
hassl-3974	87	20	saving	saving	NOUN
hassl-3974	87	21	and	and	CCONJ
hassl-3974	87	22	the	the	DET
hassl-3974	87	23	amounts	amount	NOUN
hassl-3974	87	24	saved	save	VERB
hassl-3974	87	25	increased	increase	VERB
hassl-3974	87	26	.	.	PUNCT
hassl-3974	88	1	the	the	DET
hassl-3974	88	2	research	research	NOUN
hassl-3974	88	3	suggested	suggest	VERB
hassl-3974	88	4	encouraging	encourage	VERB
hassl-3974	88	5	the	the	DET
hassl-3974	88	6	widespread	widespread	ADJ
hassl-3974	88	7	use	use	NOUN
hassl-3974	88	8	of	of	ADP
hassl-3974	88	9	mobile	mobile	ADJ
hassl-3974	88	10	financial	financial	ADJ
hassl-3974	88	11	services	service	NOUN
hassl-3974	88	12	to	to	PART
hassl-3974	88	13	promote	promote	VERB
hassl-3974	88	14	savings	saving	NOUN
hassl-3974	88	15	mobilization	mobilization	NOUN
hassl-3974	88	16	.	.	PUNCT
hassl-3974	89	1	humanities	humanity	NOUN
hassl-3974	89	2	and	and	CCONJ
hassl-3974	89	3	social	social	ADJ
hassl-3974	89	4	sciences	science	NOUN
hassl-3974	89	5	letters	letter	NOUN
hassl-3974	89	6	,	,	PUNCT
hassl-3974	89	7	2025	2025	NUM
hassl-3974	89	8	,	,	PUNCT
hassl-3974	89	9	13(1	13(1	NUM
hassl-3974	89	10	):	):	PUNCT
hassl-3974	89	11	45	45	NUM
hassl-3974	89	12	-	-	SYM
hassl-3974	89	13	55	55	NUM
hassl-3974	89	14	48	48	NUM
hassl-3974	89	15	©	©	PROPN
hassl-3974	89	16	2025	2025	NUM
hassl-3974	89	17	conscientia	conscientia	PROPN
hassl-3974	89	18	beam	beam	PROPN
hassl-3974	89	19	.	.	PUNCT
hassl-3974	90	1	all	all	DET
hassl-3974	90	2	rights	right	NOUN
hassl-3974	90	3	reserved	reserve	VERB
hassl-3974	90	4	.	.	PUNCT
hassl-3974	91	1	according	accord	VERB
hassl-3974	91	2	to	to	ADP
hassl-3974	91	3	abdallah	abdallah	PROPN
hassl-3974	91	4	,	,	PUNCT
hassl-3974	91	5	tfaily	tfaily	ADV
hassl-3974	91	6	,	,	PUNCT
hassl-3974	91	7	and	and	CCONJ
hassl-3974	91	8	harraf	harraf	NOUN
hassl-3974	91	9	(	(	PUNCT
hassl-3974	91	10	2024	2024	NUM
hassl-3974	91	11	)	)	PUNCT
hassl-3974	91	12	digital	digital	ADJ
hassl-3974	91	13	financial	financial	ADJ
hassl-3974	91	14	literacy	literacy	NOUN
hassl-3974	91	15	includes	include	VERB
hassl-3974	91	16	financial	financial	ADJ
hassl-3974	91	17	knowledge	knowledge	NOUN
hassl-3974	91	18	,	,	PUNCT
hassl-3974	91	19	digital	digital	ADJ
hassl-3974	91	20	knowledge	knowledge	NOUN
hassl-3974	91	21	,	,	PUNCT
hassl-3974	91	22	practical	practical	ADJ
hassl-3974	91	23	know	know	NOUN
hassl-3974	91	24	-	-	PUNCT
hassl-3974	91	25	how	how	NOUN
hassl-3974	91	26	,	,	PUNCT
hassl-3974	91	27	awareness	awareness	NOUN
hassl-3974	91	28	,	,	PUNCT
hassl-3974	91	29	decision	decision	NOUN
hassl-3974	91	30	-	-	PUNCT
hassl-3974	91	31	making	making	NOUN
hassl-3974	91	32	and	and	CCONJ
hassl-3974	91	33	self	self	NOUN
hassl-3974	91	34	-	-	PUNCT
hassl-3974	91	35	protection	protection	NOUN
hassl-3974	91	36	.	.	PUNCT
hassl-3974	92	1	the	the	DET
hassl-3974	92	2	authors	author	NOUN
hassl-3974	92	3	surveyed	survey	VERB
hassl-3974	92	4	with	with	ADP
hassl-3974	92	5	385	385	NUM
hassl-3974	92	6	respondents	respondent	NOUN
hassl-3974	92	7	who	who	PRON
hassl-3974	92	8	are	be	AUX
hassl-3974	92	9	bank	bank	NOUN
hassl-3974	92	10	account	account	NOUN
hassl-3974	92	11	customers	customer	NOUN
hassl-3974	92	12	to	to	PART
hassl-3974	92	13	evaluate	evaluate	VERB
hassl-3974	92	14	how	how	SCONJ
hassl-3974	92	15	digital	digital	ADJ
hassl-3974	92	16	financial	financial	ADJ
hassl-3974	92	17	literacy	literacy	NOUN
hassl-3974	92	18	influences	influence	VERB
hassl-3974	92	19	financial	financial	ADJ
hassl-3974	92	20	behavior	behavior	NOUN
hassl-3974	92	21	(	(	PUNCT
hassl-3974	92	22	saving	save	VERB
hassl-3974	92	23	behavior	behavior	NOUN
hassl-3974	92	24	,	,	PUNCT
hassl-3974	92	25	shopping	shopping	NOUN
hassl-3974	92	26	behavior	behavior	NOUN
hassl-3974	92	27	,	,	PUNCT
hassl-3974	92	28	and	and	CCONJ
hassl-3974	92	29	longand	longand	VERB
hassl-3974	92	30	short	short	ADJ
hassl-3974	92	31	-	-	PUNCT
hassl-3974	92	32	terms	term	NOUN
hassl-3974	92	33	planning	planning	NOUN
hassl-3974	92	34	)	)	PUNCT
hassl-3974	92	35	.	.	PUNCT
hassl-3974	93	1	the	the	DET
hassl-3974	93	2	study	study	NOUN
hassl-3974	93	3	affirmed	affirm	VERB
hassl-3974	93	4	the	the	DET
hassl-3974	93	5	positive	positive	ADJ
hassl-3974	93	6	relationship	relationship	NOUN
hassl-3974	93	7	between	between	ADP
hassl-3974	93	8	digital	digital	ADJ
hassl-3974	93	9	financial	financial	ADJ
hassl-3974	93	10	literacy	literacy	NOUN
hassl-3974	93	11	and	and	CCONJ
hassl-3974	93	12	saving	save	VERB
hassl-3974	93	13	behavior	behavior	NOUN
hassl-3974	93	14	.	.	PUNCT
hassl-3974	94	1	2.3	2.3	NUM
hassl-3974	94	2	.	.	PUNCT
hassl-3974	95	1	saving	save	VERB
hassl-3974	95	2	behavior	behavior	NOUN
hassl-3974	95	3	of	of	ADP
hassl-3974	95	4	the	the	DET
hassl-3974	95	5	elderly	elderly	ADJ
hassl-3974	95	6	people	people	NOUN
hassl-3974	95	7	the	the	DET
hassl-3974	95	8	definition	definition	NOUN
hassl-3974	95	9	of	of	ADP
hassl-3974	95	10	saving	saving	NOUN
hassl-3974	95	11	is	be	AUX
hassl-3974	95	12	understood	understand	VERB
hassl-3974	95	13	as	as	ADP
hassl-3974	95	14	the	the	DET
hassl-3974	95	15	rational	rational	ADJ
hassl-3974	95	16	use	use	NOUN
hassl-3974	95	17	of	of	ADP
hassl-3974	95	18	material	material	ADJ
hassl-3974	95	19	resources	resource	NOUN
hassl-3974	95	20	,	,	PUNCT
hassl-3974	95	21	time	time	NOUN
hassl-3974	95	22	,	,	PUNCT
hassl-3974	95	23	and	and	CCONJ
hassl-3974	95	24	labor	labor	NOUN
hassl-3974	95	25	by	by	ADP
hassl-3974	95	26	oneself	oneself	PRON
hassl-3974	95	27	and	and	CCONJ
hassl-3974	95	28	others	other	NOUN
hassl-3974	95	29	.	.	PUNCT
hassl-3974	96	1	saving	save	VERB
hassl-3974	96	2	can	can	AUX
hassl-3974	96	3	be	be	AUX
hassl-3974	96	4	understood	understand	VERB
hassl-3974	96	5	as	as	SCONJ
hassl-3974	96	6	the	the	DET
hassl-3974	96	7	income	income	NOUN
hassl-3974	96	8	left	leave	VERB
hassl-3974	96	9	after	after	ADP
hassl-3974	96	10	consumption	consumption	NOUN
hassl-3974	96	11	(	(	PUNCT
hassl-3974	96	12	lee	lee	PROPN
hassl-3974	96	13	&	&	CCONJ
hassl-3974	96	14	hanna	hanna	PROPN
hassl-3974	96	15	,	,	PUNCT
hassl-3974	96	16	2015	2015	NUM
hassl-3974	96	17	)	)	PUNCT
hassl-3974	96	18	.	.	PUNCT
hassl-3974	97	1	individuals	individual	NOUN
hassl-3974	97	2	are	be	AUX
hassl-3974	97	3	likely	likely	ADJ
hassl-3974	97	4	to	to	PART
hassl-3974	97	5	set	set	VERB
hassl-3974	97	6	aside	aside	ADP
hassl-3974	97	7	money	money	NOUN
hassl-3974	97	8	for	for	ADP
hassl-3974	97	9	one	one	NUM
hassl-3974	97	10	of	of	ADP
hassl-3974	97	11	the	the	DET
hassl-3974	97	12	following	following	ADJ
hassl-3974	97	13	reasons	reason	NOUN
hassl-3974	97	14	:	:	PUNCT
hassl-3974	97	15	save	save	VERB
hassl-3974	97	16	for	for	ADP
hassl-3974	97	17	precautionary	precautionary	ADJ
hassl-3974	97	18	needs	need	NOUN
hassl-3974	97	19	,	,	PUNCT
hassl-3974	97	20	save	save	VERB
hassl-3974	97	21	for	for	ADP
hassl-3974	97	22	retirement	retirement	NOUN
hassl-3974	97	23	,	,	PUNCT
hassl-3974	97	24	save	save	VERB
hassl-3974	97	25	to	to	PART
hassl-3974	97	26	buy	buy	VERB
hassl-3974	97	27	a	a	DET
hassl-3974	97	28	new	new	ADJ
hassl-3974	97	29	house	house	NOUN
hassl-3974	97	30	,	,	PUNCT
hassl-3974	97	31	and	and	CCONJ
hassl-3974	97	32	save	save	VERB
hassl-3974	97	33	for	for	ADP
hassl-3974	97	34	future	future	ADJ
hassl-3974	97	35	education	education	NOUN
hassl-3974	97	36	.	.	PUNCT
hassl-3974	98	1	lee	lee	PROPN
hassl-3974	98	2	and	and	CCONJ
hassl-3974	98	3	hanna	hanna	PROPN
hassl-3974	98	4	(	(	PUNCT
hassl-3974	98	5	2015	2015	NUM
hassl-3974	98	6	)	)	PUNCT
hassl-3974	98	7	shed	shed	VERB
hassl-3974	98	8	light	light	NOUN
hassl-3974	98	9	on	on	ADP
hassl-3974	98	10	the	the	DET
hassl-3974	98	11	positive	positive	ADJ
hassl-3974	98	12	relationship	relationship	NOUN
hassl-3974	98	13	between	between	ADP
hassl-3974	98	14	saving	save	VERB
hassl-3974	98	15	goals	goal	NOUN
hassl-3974	98	16	and	and	CCONJ
hassl-3974	98	17	saving	save	VERB
hassl-3974	98	18	behavior	behavior	NOUN
hassl-3974	98	19	of	of	ADP
hassl-3974	98	20	households	household	NOUN
hassl-3974	98	21	in	in	ADP
hassl-3974	98	22	which	which	PRON
hassl-3974	98	23	saving	save	VERB
hassl-3974	98	24	goals	goal	NOUN
hassl-3974	98	25	are	be	AUX
hassl-3974	98	26	categorized	categorize	VERB
hassl-3974	98	27	into	into	ADP
hassl-3974	98	28	six	six	NUM
hassl-3974	98	29	levels	level	NOUN
hassl-3974	98	30	according	accord	VERB
hassl-3974	98	31	to	to	ADP
hassl-3974	98	32	maslow	maslow	PROPN
hassl-3974	98	33	’s	’s	PART
hassl-3974	98	34	hierarchy	hierarchy	NOUN
hassl-3974	98	35	of	of	ADP
hassl-3974	98	36	needs	need	NOUN
hassl-3974	98	37	.	.	PUNCT
hassl-3974	99	1	sarah	sarah	PROPN
hassl-3974	99	2	et	et	PROPN
hassl-3974	99	3	al	al	PROPN
hassl-3974	99	4	.	.	PROPN
hassl-3974	100	1	(	(	PUNCT
hassl-3974	100	2	2019	2019	NUM
hassl-3974	100	3	)	)	PUNCT
hassl-3974	100	4	investigated	investigate	VERB
hassl-3974	100	5	the	the	DET
hassl-3974	100	6	influence	influence	NOUN
hassl-3974	100	7	of	of	ADP
hassl-3974	100	8	personality	personality	NOUN
hassl-3974	100	9	on	on	ADP
hassl-3974	100	10	the	the	DET
hassl-3974	100	11	saving	save	VERB
hassl-3974	100	12	behavior	behavior	NOUN
hassl-3974	100	13	of	of	ADP
hassl-3974	100	14	elderly	elderly	ADJ
hassl-3974	100	15	people	people	NOUN
hassl-3974	100	16	aged	age	VERB
hassl-3974	100	17	50	50	NUM
hassl-3974	100	18	-	-	SYM
hassl-3974	100	19	70	70	NUM
hassl-3974	100	20	.	.	PUNCT
hassl-3974	101	1	saving	save	VERB
hassl-3974	101	2	behavior	behavior	NOUN
hassl-3974	101	3	is	be	AUX
hassl-3974	101	4	indirectly	indirectly	ADV
hassl-3974	101	5	impacted	impact	VERB
hassl-3974	101	6	by	by	ADP
hassl-3974	101	7	psychological	psychological	ADJ
hassl-3974	101	8	characteristics	characteristic	NOUN
hassl-3974	101	9	such	such	ADJ
hassl-3974	101	10	as	as	ADP
hassl-3974	101	11	conscientiousness	conscientiousness	NOUN
hassl-3974	101	12	,	,	PUNCT
hassl-3974	101	13	extroversion	extroversion	NOUN
hassl-3974	101	14	,	,	PUNCT
hassl-3974	101	15	and	and	CCONJ
hassl-3974	101	16	openness	openness	NOUN
hassl-3974	101	17	to	to	ADP
hassl-3974	101	18	experiences	experience	NOUN
hassl-3974	101	19	.	.	PUNCT
hassl-3974	102	1	the	the	DET
hassl-3974	102	2	study	study	NOUN
hassl-3974	102	3	by	by	ADP
hassl-3974	102	4	peiris	peiris	NOUN
hassl-3974	102	5	(	(	PUNCT
hassl-3974	102	6	2021	2021	NUM
hassl-3974	102	7	)	)	PUNCT
hassl-3974	102	8	demonstrates	demonstrate	VERB
hassl-3974	102	9	that	that	SCONJ
hassl-3974	102	10	financial	financial	ADJ
hassl-3974	102	11	literacy	literacy	NOUN
hassl-3974	102	12	positively	positively	ADV
hassl-3974	102	13	influences	influence	VERB
hassl-3974	102	14	individual	individual	ADJ
hassl-3974	102	15	saving	saving	NOUN
hassl-3974	102	16	behaviors	behavior	NOUN
hassl-3974	102	17	with	with	ADP
hassl-3974	102	18	saving	save	VERB
hassl-3974	102	19	intention	intention	NOUN
hassl-3974	102	20	serving	serve	VERB
hassl-3974	102	21	as	as	ADP
hassl-3974	102	22	a	a	DET
hassl-3974	102	23	significant	significant	ADJ
hassl-3974	102	24	mediator	mediator	NOUN
hassl-3974	102	25	in	in	ADP
hassl-3974	102	26	this	this	DET
hassl-3974	102	27	relationship	relationship	NOUN
hassl-3974	102	28	.	.	PUNCT
hassl-3974	103	1	the	the	DET
hassl-3974	103	2	findings	finding	NOUN
hassl-3974	103	3	suggest	suggest	VERB
hassl-3974	103	4	that	that	SCONJ
hassl-3974	103	5	better	well	ADJ
hassl-3974	103	6	financial	financial	ADJ
hassl-3974	103	7	literacy	literacy	NOUN
hassl-3974	103	8	leads	lead	VERB
hassl-3974	103	9	to	to	ADP
hassl-3974	103	10	more	more	ADV
hassl-3974	103	11	effective	effective	ADJ
hassl-3974	103	12	saving	save	VERB
hassl-3974	103	13	behavior	behavior	NOUN
hassl-3974	103	14	and	and	CCONJ
hassl-3974	103	15	promotes	promote	VERB
hassl-3974	103	16	greater	great	ADJ
hassl-3974	103	17	saving	saving	NOUN
hassl-3974	103	18	intentions	intention	NOUN
hassl-3974	103	19	contributing	contribute	VERB
hassl-3974	103	20	to	to	ADP
hassl-3974	103	21	economic	economic	ADJ
hassl-3974	103	22	growth	growth	NOUN
hassl-3974	103	23	and	and	CCONJ
hassl-3974	103	24	welfare	welfare	NOUN
hassl-3974	103	25	.	.	PUNCT
hassl-3974	104	1	this	this	DET
hassl-3974	104	2	positive	positive	ADJ
hassl-3974	104	3	relationship	relationship	NOUN
hassl-3974	104	4	between	between	ADP
hassl-3974	104	5	financial	financial	ADJ
hassl-3974	104	6	literacy	literacy	NOUN
hassl-3974	104	7	and	and	CCONJ
hassl-3974	104	8	saving	save	VERB
hassl-3974	104	9	behavior	behavior	NOUN
hassl-3974	104	10	is	be	AUX
hassl-3974	104	11	also	also	ADV
hassl-3974	104	12	found	find	VERB
hassl-3974	104	13	in	in	ADP
hassl-3974	104	14	kamarudin	kamarudin	PROPN
hassl-3974	104	15	(	(	PUNCT
hassl-3974	104	16	2018	2018	NUM
hassl-3974	104	17	)	)	PUNCT
hassl-3974	104	18	and	and	CCONJ
hassl-3974	104	19	lusardi	lusardi	PROPN
hassl-3974	104	20	's	's	PART
hassl-3974	104	21	(	(	PUNCT
hassl-3974	104	22	2019	2019	NUM
hassl-3974	104	23	)	)	PUNCT
hassl-3974	104	24	studies	study	NOUN
hassl-3974	104	25	.	.	PUNCT
hassl-3974	105	1	kass	kass	PROPN
hassl-3974	105	2	-	-	PUNCT
hassl-3974	105	3	hanna	hanna	PROPN
hassl-3974	105	4	,	,	PUNCT
hassl-3974	105	5	lyons	lyon	NOUN
hassl-3974	105	6	,	,	PUNCT
hassl-3974	105	7	and	and	CCONJ
hassl-3974	105	8	liu	liu	PROPN
hassl-3974	105	9	(	(	PUNCT
hassl-3974	105	10	2022	2022	NUM
hassl-3974	105	11	)	)	PUNCT
hassl-3974	105	12	examined	examine	VERB
hassl-3974	105	13	the	the	DET
hassl-3974	105	14	effects	effect	NOUN
hassl-3974	105	15	of	of	ADP
hassl-3974	105	16	financial	financial	ADJ
hassl-3974	105	17	and	and	CCONJ
hassl-3974	105	18	digital	digital	ADJ
hassl-3974	105	19	literacy	literacy	NOUN
hassl-3974	105	20	on	on	ADP
hassl-3974	105	21	financial	financial	ADJ
hassl-3974	105	22	resilience	resilience	NOUN
hassl-3974	105	23	in	in	ADP
hassl-3974	105	24	south	south	PROPN
hassl-3974	105	25	asia	asia	PROPN
hassl-3974	105	26	and	and	CCONJ
hassl-3974	105	27	sub	sub	ADJ
hassl-3974	105	28	-	-	ADJ
hassl-3974	105	29	saharan	saharan	ADJ
hassl-3974	105	30	africa	africa	PROPN
hassl-3974	105	31	analyzing	analyze	VERB
hassl-3974	105	32	survey	survey	NOUN
hassl-3974	105	33	data	datum	NOUN
hassl-3974	105	34	from	from	ADP
hassl-3974	105	35	seven	seven	NUM
hassl-3974	105	36	countries	country	NOUN
hassl-3974	105	37	.	.	PUNCT
hassl-3974	106	1	the	the	DET
hassl-3974	106	2	study	study	NOUN
hassl-3974	106	3	found	find	VERB
hassl-3974	106	4	both	both	PRON
hassl-3974	106	5	financial	financial	ADJ
hassl-3974	106	6	literacy	literacy	NOUN
hassl-3974	106	7	and	and	CCONJ
hassl-3974	106	8	digital	digital	ADJ
hassl-3974	106	9	literacy	literacy	NOUN
hassl-3974	106	10	significantly	significantly	ADV
hassl-3974	106	11	influenced	influence	VERB
hassl-3974	106	12	saving	saving	NOUN
hassl-3974	106	13	,	,	PUNCT
hassl-3974	106	14	borrowing	borrowing	NOUN
hassl-3974	106	15	,	,	PUNCT
hassl-3974	106	16	risk	risk	NOUN
hassl-3974	106	17	management	management	NOUN
hassl-3974	106	18	,	,	PUNCT
hassl-3974	106	19	and	and	CCONJ
hassl-3974	106	20	emergency	emergency	NOUN
hassl-3974	106	21	preparedness	preparedness	NOUN
hassl-3974	106	22	behaviors	behavior	NOUN
hassl-3974	106	23	.	.	PUNCT
hassl-3974	107	1	digital	digital	ADJ
hassl-3974	107	2	literacy	literacy	NOUN
hassl-3974	107	3	had	have	VERB
hassl-3974	107	4	a	a	DET
hassl-3974	107	5	stronger	strong	ADJ
hassl-3974	107	6	impact	impact	NOUN
hassl-3974	107	7	on	on	ADP
hassl-3974	107	8	saving	save	VERB
hassl-3974	107	9	and	and	CCONJ
hassl-3974	107	10	borrowing	borrowing	NOUN
hassl-3974	107	11	while	while	SCONJ
hassl-3974	107	12	financial	financial	ADJ
hassl-3974	107	13	literacy	literacy	NOUN
hassl-3974	107	14	was	be	AUX
hassl-3974	107	15	more	more	ADV
hassl-3974	107	16	crucial	crucial	ADJ
hassl-3974	107	17	for	for	ADP
hassl-3974	107	18	emergency	emergency	NOUN
hassl-3974	107	19	preparedness	preparedness	NOUN
hassl-3974	107	20	.	.	PUNCT
hassl-3974	108	1	for	for	ADP
hassl-3974	108	2	risk	risk	NOUN
hassl-3974	108	3	management	management	NOUN
hassl-3974	108	4	,	,	PUNCT
hassl-3974	108	5	digital	digital	ADJ
hassl-3974	108	6	literacy	literacy	NOUN
hassl-3974	108	7	was	be	AUX
hassl-3974	108	8	more	more	ADV
hassl-3974	108	9	important	important	ADJ
hassl-3974	108	10	for	for	ADP
hassl-3974	108	11	insurance	insurance	NOUN
hassl-3974	108	12	purchases	purchase	NOUN
hassl-3974	108	13	and	and	CCONJ
hassl-3974	108	14	financial	financial	ADJ
hassl-3974	108	15	literacy	literacy	NOUN
hassl-3974	108	16	for	for	ADP
hassl-3974	108	17	emergency	emergency	NOUN
hassl-3974	108	18	planning	planning	NOUN
hassl-3974	108	19	.	.	PUNCT
hassl-3974	109	1	effects	effect	NOUN
hassl-3974	109	2	varied	varied	ADJ
hassl-3974	109	3	across	across	ADP
hassl-3974	109	4	regions	region	NOUN
hassl-3974	109	5	and	and	CCONJ
hassl-3974	109	6	demographics	demographic	NOUN
hassl-3974	109	7	but	but	CCONJ
hassl-3974	109	8	were	be	AUX
hassl-3974	109	9	consistently	consistently	ADV
hassl-3974	109	10	positive	positive	ADJ
hassl-3974	109	11	.	.	PUNCT
hassl-3974	110	1	the	the	DET
hassl-3974	110	2	authors	author	NOUN
hassl-3974	110	3	propose	propose	VERB
hassl-3974	110	4	redefining	redefine	VERB
hassl-3974	110	5	financial	financial	ADJ
hassl-3974	110	6	literacy	literacy	NOUN
hassl-3974	110	7	to	to	PART
hassl-3974	110	8	include	include	VERB
hassl-3974	110	9	digital	digital	ADJ
hassl-3974	110	10	capabilities	capability	NOUN
hassl-3974	110	11	,	,	PUNCT
hassl-3974	110	12	suggesting	suggest	VERB
hassl-3974	110	13	implications	implication	NOUN
hassl-3974	110	14	for	for	ADP
hassl-3974	110	15	enhancing	enhance	VERB
hassl-3974	110	16	household	household	NOUN
hassl-3974	110	17	financial	financial	ADJ
hassl-3974	110	18	resilience	resilience	NOUN
hassl-3974	110	19	.	.	PUNCT
hassl-3974	111	1	the	the	DET
hassl-3974	111	2	authors	author	NOUN
hassl-3974	111	3	proposed	propose	VERB
hassl-3974	111	4	the	the	DET
hassl-3974	111	5	following	follow	VERB
hassl-3974	111	6	hypotheses	hypothesis	NOUN
hassl-3974	111	7	based	base	VERB
hassl-3974	111	8	on	on	ADP
hassl-3974	111	9	previous	previous	ADJ
hassl-3974	111	10	research	research	NOUN
hassl-3974	111	11	:	:	PUNCT
hassl-3974	111	12	h1	h1	NOUN
hassl-3974	111	13	:	:	PUNCT
hassl-3974	111	14	financial	financial	ADJ
hassl-3974	111	15	literacy	literacy	NOUN
hassl-3974	111	16	positively	positively	ADV
hassl-3974	111	17	influences	influence	VERB
hassl-3974	111	18	the	the	DET
hassl-3974	111	19	saving	save	VERB
hassl-3974	111	20	behavior	behavior	NOUN
hassl-3974	111	21	of	of	ADP
hassl-3974	111	22	elderly	elderly	ADJ
hassl-3974	111	23	people	people	NOUN
hassl-3974	111	24	.	.	PUNCT
hassl-3974	112	1	h2	h2	NOUN
hassl-3974	112	2	:	:	PUNCT
hassl-3974	112	3	financial	financial	ADJ
hassl-3974	112	4	literacy	literacy	NOUN
hassl-3974	112	5	positively	positively	ADV
hassl-3974	112	6	impacts	impact	VERB
hassl-3974	112	7	the	the	DET
hassl-3974	112	8	digital	digital	ADJ
hassl-3974	112	9	financial	financial	ADJ
hassl-3974	112	10	literacy	literacy	NOUN
hassl-3974	112	11	of	of	ADP
hassl-3974	112	12	elderly	elderly	ADJ
hassl-3974	112	13	people	people	NOUN
hassl-3974	112	14	.	.	PUNCT
hassl-3974	113	1	h3	h3	NOUN
hassl-3974	113	2	:	:	PUNCT
hassl-3974	113	3	digital	digital	ADJ
hassl-3974	113	4	financial	financial	ADJ
hassl-3974	113	5	literacy	literacy	NOUN
hassl-3974	113	6	positively	positively	ADV
hassl-3974	113	7	impacts	impact	VERB
hassl-3974	113	8	the	the	DET
hassl-3974	113	9	saving	save	VERB
hassl-3974	113	10	behavior	behavior	NOUN
hassl-3974	113	11	of	of	ADP
hassl-3974	113	12	elderly	elderly	ADJ
hassl-3974	113	13	people	people	NOUN
hassl-3974	113	14	.	.	PUNCT
hassl-3974	114	1	h4	h4	NOUN
hassl-3974	114	2	:	:	PUNCT
hassl-3974	114	3	digital	digital	ADJ
hassl-3974	114	4	financial	financial	ADJ
hassl-3974	114	5	literacy	literacy	NOUN
hassl-3974	114	6	mediates	mediate	VERB
hassl-3974	114	7	the	the	DET
hassl-3974	114	8	relationship	relationship	NOUN
hassl-3974	114	9	between	between	ADP
hassl-3974	114	10	financial	financial	ADJ
hassl-3974	114	11	literacy	literacy	NOUN
hassl-3974	114	12	and	and	CCONJ
hassl-3974	114	13	saving	save	VERB
hassl-3974	114	14	behavior	behavior	NOUN
hassl-3974	114	15	of	of	ADP
hassl-3974	114	16	elderly	elderly	ADJ
hassl-3974	114	17	people	people	NOUN
hassl-3974	114	18	.	.	PUNCT
hassl-3974	115	1	3	3	X
hassl-3974	115	2	.	.	X
hassl-3974	115	3	research	research	NOUN
hassl-3974	115	4	model	model	NOUN
hassl-3974	115	5	the	the	DET
hassl-3974	115	6	study	study	NOUN
hassl-3974	115	7	aims	aim	VERB
hassl-3974	115	8	to	to	PART
hassl-3974	115	9	examine	examine	VERB
hassl-3974	115	10	the	the	DET
hassl-3974	115	11	influences	influence	NOUN
hassl-3974	115	12	of	of	ADP
hassl-3974	115	13	financial	financial	ADJ
hassl-3974	115	14	literacy	literacy	NOUN
hassl-3974	115	15	on	on	ADP
hassl-3974	115	16	the	the	DET
hassl-3974	115	17	saving	save	VERB
hassl-3974	115	18	behavior	behavior	NOUN
hassl-3974	115	19	of	of	ADP
hassl-3974	115	20	elderly	elderly	ADJ
hassl-3974	115	21	people	people	NOUN
hassl-3974	115	22	with	with	ADP
hassl-3974	115	23	digital	digital	ADJ
hassl-3974	115	24	financial	financial	ADJ
hassl-3974	115	25	literacy	literacy	NOUN
hassl-3974	115	26	as	as	ADP
hassl-3974	115	27	a	a	DET
hassl-3974	115	28	mediation	mediation	NOUN
hassl-3974	115	29	factor	factor	NOUN
hassl-3974	115	30	.	.	PUNCT
hassl-3974	116	1	based	base	VERB
hassl-3974	116	2	on	on	ADP
hassl-3974	116	3	previous	previous	ADJ
hassl-3974	116	4	studies	study	NOUN
hassl-3974	116	5	,	,	PUNCT
hassl-3974	116	6	a	a	DET
hassl-3974	116	7	research	research	NOUN
hassl-3974	116	8	model	model	NOUN
hassl-3974	116	9	was	be	AUX
hassl-3974	116	10	proposed	propose	VERB
hassl-3974	116	11	as	as	SCONJ
hassl-3974	116	12	follows	follow	VERB
hassl-3974	116	13	:	:	PUNCT
hassl-3974	116	14	the	the	DET
hassl-3974	116	15	study	study	NOUN
hassl-3974	116	16	employs	employ	VERB
hassl-3974	116	17	a	a	DET
hassl-3974	116	18	descriptive	descriptive	ADJ
hassl-3974	116	19	quantitative	quantitative	ADJ
hassl-3974	116	20	method	method	NOUN
hassl-3974	116	21	through	through	ADP
hassl-3974	116	22	hypothesis	hypothesis	NOUN
hassl-3974	116	23	testing	testing	NOUN
hassl-3974	116	24	and	and	CCONJ
hassl-3974	116	25	data	datum	NOUN
hassl-3974	116	26	analysis	analysis	NOUN
hassl-3974	116	27	.	.	PUNCT
hassl-3974	117	1	the	the	DET
hassl-3974	117	2	study	study	NOUN
hassl-3974	117	3	differs	differ	VERB
hassl-3974	117	4	from	from	ADP
hassl-3974	117	5	other	other	ADJ
hassl-3974	117	6	previous	previous	ADJ
hassl-3974	117	7	studies	study	NOUN
hassl-3974	117	8	in	in	ADP
hassl-3974	117	9	that	that	SCONJ
hassl-3974	117	10	the	the	DET
hassl-3974	117	11	research	research	NOUN
hassl-3974	117	12	sheds	shed	VERB
hassl-3974	117	13	light	light	NOUN
hassl-3974	117	14	on	on	ADP
hassl-3974	117	15	the	the	DET
hassl-3974	117	16	relationship	relationship	NOUN
hassl-3974	117	17	between	between	ADP
hassl-3974	117	18	financial	financial	ADJ
hassl-3974	117	19	literacy	literacy	NOUN
hassl-3974	117	20	and	and	CCONJ
hassl-3974	117	21	the	the	DET
hassl-3974	117	22	saving	save	VERB
hassl-3974	117	23	behavior	behavior	NOUN
hassl-3974	117	24	of	of	ADP
hassl-3974	117	25	elderly	elderly	ADJ
hassl-3974	117	26	people	people	NOUN
hassl-3974	117	27	in	in	ADP
hassl-3974	117	28	hanoi	hanoi	PROPN
hassl-3974	117	29	,	,	PUNCT
hassl-3974	117	30	vietnam	vietnam	PROPN
hassl-3974	117	31	with	with	ADP
hassl-3974	117	32	the	the	DET
hassl-3974	117	33	mediation	mediation	NOUN
hassl-3974	117	34	role	role	NOUN
hassl-3974	117	35	of	of	ADP
hassl-3974	117	36	digital	digital	ADJ
hassl-3974	117	37	financial	financial	ADJ
hassl-3974	117	38	literacy	literacy	NOUN
hassl-3974	117	39	.	.	PUNCT
hassl-3974	118	1	humanities	humanity	NOUN
hassl-3974	118	2	and	and	CCONJ
hassl-3974	118	3	social	social	ADJ
hassl-3974	118	4	sciences	science	NOUN
hassl-3974	118	5	letters	letter	NOUN
hassl-3974	118	6	,	,	PUNCT
hassl-3974	118	7	2025	2025	NUM
hassl-3974	118	8	,	,	PUNCT
hassl-3974	118	9	13(1	13(1	NUM
hassl-3974	118	10	):	):	PUNCT
hassl-3974	118	11	45	45	NUM
hassl-3974	118	12	-	-	SYM
hassl-3974	118	13	55	55	NUM
hassl-3974	118	14	49	49	NUM
hassl-3974	118	15	©	©	PROPN
hassl-3974	118	16	2025	2025	NUM
hassl-3974	118	17	conscientia	conscientia	PROPN
hassl-3974	118	18	beam	beam	PROPN
hassl-3974	118	19	.	.	PUNCT
hassl-3974	119	1	all	all	DET
hassl-3974	119	2	rights	right	NOUN
hassl-3974	119	3	reserved	reserve	VERB
hassl-3974	119	4	.	.	PUNCT
hassl-3974	120	1	figure	figure	NOUN
hassl-3974	120	2	1	1	NUM
hassl-3974	120	3	.	.	PUNCT
hassl-3974	120	4	proposed	propose	VERB
hassl-3974	120	5	research	research	NOUN
hassl-3974	120	6	model	model	NOUN
hassl-3974	120	7	.	.	PUNCT
hassl-3974	121	1	figure	figure	NOUN
hassl-3974	121	2	1	1	NUM
hassl-3974	121	3	illustrates	illustrate	VERB
hassl-3974	121	4	the	the	DET
hassl-3974	121	5	proposed	propose	VERB
hassl-3974	121	6	model	model	NOUN
hassl-3974	121	7	to	to	PART
hassl-3974	121	8	test	test	VERB
hassl-3974	121	9	the	the	DET
hassl-3974	121	10	relationship	relationship	NOUN
hassl-3974	121	11	between	between	ADP
hassl-3974	121	12	financial	financial	ADJ
hassl-3974	121	13	literacy	literacy	NOUN
hassl-3974	121	14	and	and	CCONJ
hassl-3974	121	15	elderly	elderly	ADJ
hassl-3974	121	16	saving	saving	NOUN
hassl-3974	121	17	behavior	behavior	NOUN
hassl-3974	121	18	.	.	PUNCT
hassl-3974	122	1	financial	financial	ADJ
hassl-3974	122	2	literacy	literacy	NOUN
hassl-3974	122	3	is	be	AUX
hassl-3974	122	4	measured	measure	VERB
hassl-3974	122	5	by	by	ADP
hassl-3974	122	6	fl1	fl1	ADV
hassl-3974	122	7	,	,	PUNCT
hassl-3974	122	8	fl2	fl2	PROPN
hassl-3974	122	9	,	,	PUNCT
hassl-3974	122	10	fl3	fl3	VERB
hassl-3974	122	11	,	,	PUNCT
hassl-3974	122	12	and	and	CCONJ
hassl-3974	122	13	fl4	fl4	PROPN
hassl-3974	122	14	while	while	SCONJ
hassl-3974	122	15	esb1	esb1	PROPN
hassl-3974	122	16	,	,	PUNCT
hassl-3974	122	17	esb2	esb2	NOUN
hassl-3974	122	18	and	and	CCONJ
hassl-3974	122	19	esb3	esb3	PROPN
hassl-3974	122	20	are	be	AUX
hassl-3974	122	21	constructed	construct	VERB
hassl-3974	122	22	to	to	PART
hassl-3974	122	23	capture	capture	VERB
hassl-3974	122	24	the	the	DET
hassl-3974	122	25	saving	save	VERB
hassl-3974	122	26	behavior	behavior	NOUN
hassl-3974	122	27	of	of	ADP
hassl-3974	122	28	elderly	elderly	ADJ
hassl-3974	122	29	people	people	NOUN
hassl-3974	122	30	.	.	PUNCT
hassl-3974	123	1	the	the	DET
hassl-3974	123	2	model	model	NOUN
hassl-3974	123	3	is	be	AUX
hassl-3974	123	4	also	also	ADV
hassl-3974	123	5	proposed	propose	VERB
hassl-3974	123	6	to	to	PART
hassl-3974	123	7	examine	examine	VERB
hassl-3974	123	8	if	if	SCONJ
hassl-3974	123	9	there	there	PRON
hassl-3974	123	10	is	be	VERB
hassl-3974	123	11	a	a	DET
hassl-3974	123	12	mediating	mediate	VERB
hassl-3974	123	13	role	role	NOUN
hassl-3974	123	14	of	of	ADP
hassl-3974	123	15	digital	digital	ADJ
hassl-3974	123	16	financial	financial	ADJ
hassl-3974	123	17	literacy	literacy	NOUN
hassl-3974	123	18	while	while	SCONJ
hassl-3974	123	19	digital	digital	ADJ
hassl-3974	123	20	financial	financial	ADJ
hassl-3974	123	21	literacy	literacy	NOUN
hassl-3974	123	22	shows	show	VERB
hassl-3974	123	23	the	the	DET
hassl-3974	123	24	understanding	understanding	NOUN
hassl-3974	123	25	of	of	ADP
hassl-3974	123	26	digital	digital	ADJ
hassl-3974	123	27	platforms	platform	NOUN
hassl-3974	123	28	to	to	PART
hassl-3974	123	29	make	make	VERB
hassl-3974	123	30	financial	financial	ADJ
hassl-3974	123	31	decisions	decision	NOUN
hassl-3974	123	32	and	and	CCONJ
hassl-3974	123	33	perform	perform	VERB
hassl-3974	123	34	financial	financial	ADJ
hassl-3974	123	35	services	service	NOUN
hassl-3974	123	36	(	(	PUNCT
hassl-3974	123	37	dfl1	dfl1	PROPN
hassl-3974	123	38	,	,	PUNCT
hassl-3974	123	39	dfl2	dfl2	PROPN
hassl-3974	123	40	,	,	PUNCT
hassl-3974	123	41	dfl3	dfl3	NOUN
hassl-3974	123	42	and	and	CCONJ
hassl-3974	123	43	dfl4	dfl4	PROPN
hassl-3974	123	44	)	)	PUNCT
hassl-3974	123	45	.	.	PUNCT
hassl-3974	124	1	3.1	3.1	NUM
hassl-3974	124	2	.	.	PUNCT
hassl-3974	124	3	development	development	NOUN
hassl-3974	124	4	of	of	ADP
hassl-3974	124	5	questionnaires	questionnaire	NOUN
hassl-3974	124	6	and	and	CCONJ
hassl-3974	124	7	research	research	NOUN
hassl-3974	124	8	scale	scale	NOUN
hassl-3974	124	9	selection	selection	NOUN
hassl-3974	124	10	the	the	DET
hassl-3974	124	11	author	author	NOUN
hassl-3974	124	12	has	have	AUX
hassl-3974	124	13	developed	develop	VERB
hassl-3974	124	14	a	a	DET
hassl-3974	124	15	questionnaire	questionnaire	NOUN
hassl-3974	124	16	based	base	VERB
hassl-3974	124	17	on	on	ADP
hassl-3974	124	18	a	a	DET
hassl-3974	124	19	review	review	NOUN
hassl-3974	124	20	of	of	ADP
hassl-3974	124	21	previous	previous	ADJ
hassl-3974	124	22	studies	study	NOUN
hassl-3974	124	23	on	on	ADP
hassl-3974	124	24	the	the	DET
hassl-3974	124	25	impact	impact	NOUN
hassl-3974	124	26	of	of	ADP
hassl-3974	124	27	financial	financial	ADJ
hassl-3974	124	28	literacy	literacy	NOUN
hassl-3974	124	29	on	on	ADP
hassl-3974	124	30	the	the	DET
hassl-3974	124	31	saving	save	VERB
hassl-3974	124	32	behavior	behavior	NOUN
hassl-3974	124	33	of	of	ADP
hassl-3974	124	34	elderly	elderly	ADJ
hassl-3974	124	35	people	people	NOUN
hassl-3974	124	36	(	(	PUNCT
hassl-3974	124	37	see	see	VERB
hassl-3974	124	38	table	table	NOUN
hassl-3974	124	39	1	1	NUM
hassl-3974	124	40	)	)	PUNCT
hassl-3974	124	41	.	.	PUNCT
hassl-3974	125	1	the	the	DET
hassl-3974	125	2	survey	survey	NOUN
hassl-3974	125	3	is	be	AUX
hassl-3974	125	4	conducted	conduct	VERB
hassl-3974	125	5	from	from	ADP
hassl-3974	125	6	1st	1st	ADJ
hassl-3974	125	7	april	april	PROPN
hassl-3974	125	8	to	to	ADP
hassl-3974	125	9	30th	30th	NUM
hassl-3974	125	10	april	april	PROPN
hassl-3974	125	11	2024	2024	NUM
hassl-3974	125	12	.	.	PUNCT
hassl-3974	126	1	the	the	DET
hassl-3974	126	2	authors	author	NOUN
hassl-3974	126	3	use	use	VERB
hassl-3974	126	4	a	a	DET
hassl-3974	126	5	5	5	NUM
hassl-3974	126	6	-	-	PUNCT
hassl-3974	126	7	point	point	NOUN
hassl-3974	126	8	likert	likert	ADJ
hassl-3974	126	9	scale	scale	NOUN
hassl-3974	126	10	to	to	PART
hassl-3974	126	11	measure	measure	VERB
hassl-3974	126	12	observed	observed	ADJ
hassl-3974	126	13	variables	variable	NOUN
hassl-3974	126	14	.	.	PUNCT
hassl-3974	127	1	in	in	ADP
hassl-3974	127	2	the	the	DET
hassl-3974	127	3	questionnaire	questionnaire	NOUN
hassl-3974	127	4	,	,	PUNCT
hassl-3974	127	5	there	there	PRON
hassl-3974	127	6	are	be	VERB
hassl-3974	127	7	additional	additional	ADJ
hassl-3974	127	8	questions	question	NOUN
hassl-3974	127	9	to	to	PART
hassl-3974	127	10	collect	collect	VERB
hassl-3974	127	11	respondents	respondent	NOUN
hassl-3974	127	12	'	'	PART
hassl-3974	127	13	information	information	NOUN
hassl-3974	127	14	such	such	ADJ
hassl-3974	127	15	as	as	ADP
hassl-3974	127	16	gender	gender	NOUN
hassl-3974	127	17	,	,	PUNCT
hassl-3974	127	18	age	age	NOUN
hassl-3974	127	19	,	,	PUNCT
hassl-3974	127	20	education	education	NOUN
hassl-3974	127	21	level	level	NOUN
hassl-3974	127	22	,	,	PUNCT
hassl-3974	127	23	income	income	NOUN
hassl-3974	127	24	,	,	PUNCT
hassl-3974	127	25	etc	etc	X
hassl-3974	127	26	.	.	X
hassl-3974	128	1	besides	besides	SCONJ
hassl-3974	128	2	questions	question	NOUN
hassl-3974	128	3	measuring	measure	VERB
hassl-3974	128	4	observed	observed	ADJ
hassl-3974	128	5	variables	variable	NOUN
hassl-3974	128	6	for	for	ADP
hassl-3974	128	7	the	the	DET
hassl-3974	128	8	main	main	ADJ
hassl-3974	128	9	purpose	purpose	NOUN
hassl-3974	128	10	.	.	PUNCT
hassl-3974	129	1	table	table	NOUN
hassl-3974	129	2	1	1	NUM
hassl-3974	129	3	.	.	PUNCT
hassl-3974	129	4	questionnaire	questionnaire	NOUN
hassl-3974	129	5	.	.	PUNCT
hassl-3974	130	1	code	code	NOUN
hassl-3974	130	2	description	description	NOUN
hassl-3974	130	3	references	reference	VERB
hassl-3974	130	4	fl	fl	ADP
hassl-3974	130	5	financial	financial	ADJ
hassl-3974	130	6	literacy	literacy	NOUN
hassl-3974	130	7	fl1	fl1	ADV
hassl-3974	130	8	financial	financial	ADJ
hassl-3974	130	9	literacy	literacy	NOUN
hassl-3974	130	10	test	test	NOUN
hassl-3974	130	11	score	score	NOUN
hassl-3974	130	12	bayar	bayar	PROPN
hassl-3974	130	13	,	,	PUNCT
hassl-3974	130	14	sezgin	sezgin	NOUN
hassl-3974	130	15	,	,	PUNCT
hassl-3974	130	16	öztürk	öztürk	NOUN
hassl-3974	130	17	,	,	PUNCT
hassl-3974	130	18	and	and	CCONJ
hassl-3974	130	19	şaşmaz	şaşmaz	NOUN
hassl-3974	130	20	(	(	PUNCT
hassl-3974	130	21	2017	2017	NUM
hassl-3974	130	22	)	)	PUNCT
hassl-3974	130	23	and	and	CCONJ
hassl-3974	130	24	atkinson	atkinson	PROPN
hassl-3974	130	25	and	and	CCONJ
hassl-3974	130	26	messy	messy	ADJ
hassl-3974	130	27	(	(	PUNCT
hassl-3974	130	28	2012	2012	NUM
hassl-3974	130	29	)	)	PUNCT
hassl-3974	130	30	fl2	fl2	NOUN
hassl-3974	131	1	i	i	PRON
hassl-3974	131	2	am	be	AUX
hassl-3974	131	3	prepared	prepared	ADJ
hassl-3974	131	4	to	to	PART
hassl-3974	131	5	risk	risk	VERB
hassl-3974	131	6	some	some	PRON
hassl-3974	131	7	of	of	ADP
hassl-3974	131	8	my	my	PRON
hassl-3974	131	9	own	own	ADJ
hassl-3974	131	10	money	money	NOUN
hassl-3974	131	11	when	when	SCONJ
hassl-3974	131	12	saving	save	VERB
hassl-3974	131	13	or	or	CCONJ
hassl-3974	131	14	making	make	VERB
hassl-3974	131	15	an	an	DET
hassl-3974	131	16	investment	investment	NOUN
hassl-3974	131	17	.	.	PUNCT
hassl-3974	132	1	fl3	fl3	NOUN
hassl-3974	132	2	i	i	PRON
hassl-3974	132	3	keep	keep	VERB
hassl-3974	132	4	a	a	DET
hassl-3974	132	5	close	close	ADJ
hassl-3974	132	6	personal	personal	ADJ
hassl-3974	132	7	watch	watch	NOUN
hassl-3974	132	8	on	on	ADP
hassl-3974	132	9	my	my	PRON
hassl-3974	132	10	financial	financial	ADJ
hassl-3974	132	11	affairs	affair	NOUN
hassl-3974	132	12	.	.	PUNCT
hassl-3974	133	1	fl4	fl4	NOUN
hassl-3974	133	2	i	i	PRON
hassl-3974	133	3	always	always	ADV
hassl-3974	133	4	set	set	VERB
hassl-3974	133	5	long	long	ADJ
hassl-3974	133	6	-term	-term	NOUN
hassl-3974	133	7	financial	financial	ADJ
hassl-3974	133	8	goals	goal	NOUN
hassl-3974	133	9	and	and	CCONJ
hassl-3974	133	10	strive	strive	VERB
hassl-3974	133	11	to	to	PART
hassl-3974	133	12	achieve	achieve	VERB
hassl-3974	133	13	them	they	PRON
hassl-3974	133	14	.	.	PUNCT
hassl-3974	134	1	dfl	dfl	PROPN
hassl-3974	134	2	digital	digital	ADJ
hassl-3974	134	3	financial	financial	ADJ
hassl-3974	134	4	literacy	literacy	NOUN
hassl-3974	134	5	dfl1	dfl1	NOUN
hassl-3974	135	1	i	i	PRON
hassl-3974	135	2	have	have	VERB
hassl-3974	135	3	a	a	DET
hassl-3974	135	4	clear	clear	ADJ
hassl-3974	135	5	understanding	understanding	NOUN
hassl-3974	135	6	of	of	ADP
hassl-3974	135	7	online	online	ADJ
hassl-3974	135	8	banking	banking	NOUN
hassl-3974	135	9	.	.	PUNCT
hassl-3974	136	1	morgan	morgan	PROPN
hassl-3974	136	2	and	and	CCONJ
hassl-3974	136	3	trinh	trinh	PROPN
hassl-3974	136	4	(	(	PUNCT
hassl-3974	136	5	2020	2020	NUM
hassl-3974	136	6	)	)	PUNCT
hassl-3974	136	7	and	and	CCONJ
hassl-3974	136	8	prasad	prasad	PROPN
hassl-3974	136	9	et	et	PROPN
hassl-3974	136	10	al	al	PROPN
hassl-3974	136	11	.	.	PROPN
hassl-3974	137	1	(	(	PUNCT
hassl-3974	137	2	2018	2018	NUM
hassl-3974	137	3	)	)	PUNCT
hassl-3974	137	4	dfl2	dfl2	NOUN
hassl-3974	137	5	i	i	PRON
hassl-3974	137	6	have	have	AUX
hassl-3974	137	7	previously	previously	ADV
hassl-3974	137	8	deposited	deposit	VERB
hassl-3974	137	9	savings	saving	NOUN
hassl-3974	137	10	and	and	CCONJ
hassl-3974	137	11	made	make	VERB
hassl-3974	137	12	investments	investment	NOUN
hassl-3974	137	13	such	such	ADJ
hassl-3974	137	14	as	as	ADP
hassl-3974	137	15	buying	buy	VERB
hassl-3974	137	16	and	and	CCONJ
hassl-3974	137	17	selling	sell	VERB
hassl-3974	137	18	stocks	stock	NOUN
hassl-3974	137	19	or	or	CCONJ
hassl-3974	137	20	cryptocurrencies	cryptocurrencie	NOUN
hassl-3974	137	21	on	on	ADP
hassl-3974	137	22	digital	digital	ADJ
hassl-3974	137	23	platforms	platform	NOUN
hassl-3974	137	24	.	.	PUNCT
hassl-3974	138	1	dfl3	dfl3	NOUN
hassl-3974	138	2	i	i	PRON
hassl-3974	138	3	am	be	AUX
hassl-3974	138	4	confident	confident	ADJ
hassl-3974	138	5	in	in	ADP
hassl-3974	138	6	analyzing	analyze	VERB
hassl-3974	138	7	digital	digital	ADJ
hassl-3974	138	8	financial	financial	ADJ
hassl-3974	138	9	information	information	NOUN
hassl-3974	138	10	to	to	PART
hassl-3974	138	11	make	make	VERB
hassl-3974	138	12	financial	financial	ADJ
hassl-3974	138	13	decisions	decision	NOUN
hassl-3974	138	14	.	.	PUNCT
hassl-3974	139	1	dfl4	dfl4	NOUN
hassl-3974	139	2	i	i	PRON
hassl-3974	139	3	keep	keep	VERB
hassl-3974	139	4	myself	myself	PRON
hassl-3974	139	5	updated	update	VERB
hassl-3974	139	6	on	on	ADP
hassl-3974	139	7	developments	development	NOUN
hassl-3974	139	8	and	and	CCONJ
hassl-3974	139	9	trends	trend	NOUN
hassl-3974	139	10	in	in	ADP
hassl-3974	139	11	the	the	DET
hassl-3974	139	12	field	field	NOUN
hassl-3974	139	13	of	of	ADP
hassl-3974	139	14	digital	digital	ADJ
hassl-3974	139	15	financial	financial	ADJ
hassl-3974	139	16	literacy	literacy	NOUN
hassl-3974	139	17	.	.	PUNCT
hassl-3974	140	1	esb	esb	NOUN
hassl-3974	140	2	saving	saving	NOUN
hassl-3974	140	3	behavior	behavior	NOUN
hassl-3974	140	4	of	of	ADP
hassl-3974	140	5	elderly	elderly	ADJ
hassl-3974	140	6	people	people	NOUN
hassl-3974	140	7	esb1	esb1	NOUN
hassl-3974	140	8	grade	grade	NOUN
hassl-3974	140	9	themselves	themselves	PRON
hassl-3974	140	10	in	in	ADP
hassl-3974	140	11	saving	save	VERB
hassl-3974	140	12	money	money	NOUN
hassl-3974	140	13	area	area	NOUN
hassl-3974	140	14	.	.	PUNCT
hassl-3974	141	1	lee	lee	PROPN
hassl-3974	141	2	and	and	CCONJ
hassl-3974	141	3	hanna	hanna	PROPN
hassl-3974	141	4	(	(	PUNCT
hassl-3974	141	5	2015	2015	NUM
hassl-3974	141	6	)	)	PUNCT
hassl-3974	141	7	and	and	CCONJ
hassl-3974	141	8	peiris	peiris	NOUN
hassl-3974	141	9	(	(	PUNCT
hassl-3974	141	10	2021	2021	NUM
hassl-3974	141	11	)	)	PUNCT
hassl-3974	141	12	esb2	esb2	NOUN
hassl-3974	141	13	i	i	PRON
hassl-3974	141	14	set	set	VERB
hassl-3974	141	15	money	money	NOUN
hassl-3974	141	16	aside	aside	ADV
hassl-3974	141	17	for	for	ADP
hassl-3974	141	18	savings	saving	NOUN
hassl-3974	141	19	.	.	PUNCT
hassl-3974	142	1	esb3	esb3	ADJ
hassl-3974	142	2	over	over	ADP
hassl-3974	142	3	the	the	DET
hassl-3974	142	4	last	last	ADJ
hassl-3974	142	5	year	year	NOUN
hassl-3974	142	6	,	,	PUNCT
hassl-3974	142	7	how	how	SCONJ
hassl-3974	142	8	would	would	AUX
hassl-3974	142	9	they	they	PRON
hassl-3974	142	10	describe	describe	VERB
hassl-3974	142	11	their	their	PRON
hassl-3974	142	12	saving	saving	NOUN
hassl-3974	142	13	habits	habit	NOUN
hassl-3974	142	14	?	?	PUNCT
hassl-3974	143	1	humanities	humanity	NOUN
hassl-3974	143	2	and	and	CCONJ
hassl-3974	143	3	social	social	ADJ
hassl-3974	143	4	sciences	science	NOUN
hassl-3974	143	5	letters	letter	NOUN
hassl-3974	143	6	,	,	PUNCT
hassl-3974	143	7	2025	2025	NUM
hassl-3974	143	8	,	,	PUNCT
hassl-3974	143	9	13(1	13(1	NUM
hassl-3974	143	10	):	):	PUNCT
hassl-3974	143	11	45	45	NUM
hassl-3974	143	12	-	-	SYM
hassl-3974	143	13	55	55	NUM
hassl-3974	143	14	50	50	NUM
hassl-3974	143	15	©	©	PROPN
hassl-3974	143	16	2025	2025	NUM
hassl-3974	143	17	conscientia	conscientia	PROPN
hassl-3974	143	18	beam	beam	PROPN
hassl-3974	143	19	.	.	PUNCT
hassl-3974	144	1	all	all	DET
hassl-3974	144	2	rights	right	NOUN
hassl-3974	144	3	reserved	reserve	VERB
hassl-3974	144	4	.	.	PUNCT
hassl-3974	145	1	3.2	3.2	NUM
hassl-3974	145	2	.	.	PUNCT
hassl-3974	145	3	sample	sample	NOUN
hassl-3974	145	4	and	and	CCONJ
hassl-3974	145	5	data	datum	NOUN
hassl-3974	145	6	collection	collection	NOUN
hassl-3974	145	7	this	this	DET
hassl-3974	145	8	study	study	NOUN
hassl-3974	145	9	conducted	conduct	VERB
hassl-3974	145	10	a	a	DET
hassl-3974	145	11	survey	survey	NOUN
hassl-3974	145	12	of	of	ADP
hassl-3974	145	13	individuals	individual	NOUN
hassl-3974	145	14	aged	age	VERB
hassl-3974	145	15	55	55	NUM
hassl-3974	145	16	and	and	CCONJ
hassl-3974	145	17	above	above	ADV
hassl-3974	145	18	in	in	ADP
hassl-3974	145	19	hanoi	hanoi	NOUN
hassl-3974	145	20	with	with	ADP
hassl-3974	145	21	a	a	DET
hassl-3974	145	22	random	random	ADJ
hassl-3974	145	23	sampling	sampling	NOUN
hassl-3974	145	24	method	method	NOUN
hassl-3974	145	25	to	to	PART
hassl-3974	145	26	collect	collect	VERB
hassl-3974	145	27	data	datum	NOUN
hassl-3974	145	28	.	.	PUNCT
hassl-3974	146	1	data	datum	NOUN
hassl-3974	146	2	collection	collection	NOUN
hassl-3974	146	3	was	be	AUX
hassl-3974	146	4	carried	carry	VERB
hassl-3974	146	5	out	out	ADP
hassl-3974	146	6	in	in	ADP
hassl-3974	146	7	residential	residential	ADJ
hassl-3974	146	8	areas	area	NOUN
hassl-3974	146	9	,	,	PUNCT
hassl-3974	146	10	parks	park	NOUN
hassl-3974	146	11	and	and	CCONJ
hassl-3974	146	12	streets	street	NOUN
hassl-3974	146	13	across	across	ADP
hassl-3974	146	14	hanoi	hanoi	PROPN
hassl-3974	146	15	.	.	PUNCT
hassl-3974	147	1	the	the	DET
hassl-3974	147	2	direct	direct	ADJ
hassl-3974	147	3	survey	survey	NOUN
hassl-3974	147	4	method	method	NOUN
hassl-3974	147	5	will	will	AUX
hassl-3974	147	6	be	be	AUX
hassl-3974	147	7	prioritized	prioritize	VERB
hassl-3974	147	8	given	give	VERB
hassl-3974	147	9	that	that	SCONJ
hassl-3974	147	10	the	the	DET
hassl-3974	147	11	survey	survey	NOUN
hassl-3974	147	12	subjects	subject	NOUN
hassl-3974	147	13	are	be	AUX
hassl-3974	147	14	elderly	elderly	ADJ
hassl-3974	147	15	people	people	NOUN
hassl-3974	147	16	who	who	PRON
hassl-3974	147	17	do	do	AUX
hassl-3974	147	18	not	not	PART
hassl-3974	147	19	regularly	regularly	ADV
hassl-3974	147	20	access	access	VERB
hassl-3974	147	21	or	or	CCONJ
hassl-3974	147	22	use	use	VERB
hassl-3974	147	23	digital	digital	ADJ
hassl-3974	147	24	technology	technology	NOUN
hassl-3974	147	25	devices	device	NOUN
hassl-3974	147	26	.	.	PUNCT
hassl-3974	148	1	the	the	DET
hassl-3974	148	2	majority	majority	NOUN
hassl-3974	148	3	of	of	ADP
hassl-3974	148	4	the	the	DET
hassl-3974	148	5	data	data	NOUN
hassl-3974	148	6	collection	collection	NOUN
hassl-3974	148	7	process	process	NOUN
hassl-3974	148	8	will	will	AUX
hassl-3974	148	9	be	be	AUX
hassl-3974	148	10	conducted	conduct	VERB
hassl-3974	148	11	through	through	ADP
hassl-3974	148	12	face	face	NOUN
hassl-3974	148	13	-	-	PUNCT
hassl-3974	148	14	to	to	ADP
hassl-3974	148	15	-	-	PUNCT
hassl-3974	148	16	face	face	NOUN
hassl-3974	148	17	meetings	meeting	NOUN
hassl-3974	148	18	and	and	CCONJ
hassl-3974	148	19	interviews	interview	NOUN
hassl-3974	148	20	with	with	ADP
hassl-3974	148	21	the	the	DET
hassl-3974	148	22	elderly	elderly	ADJ
hassl-3974	148	23	participants	participant	NOUN
hassl-3974	148	24	rather	rather	ADV
hassl-3974	148	25	than	than	ADP
hassl-3974	148	26	using	use	VERB
hassl-3974	148	27	online	online	ADJ
hassl-3974	148	28	surveys	survey	NOUN
hassl-3974	148	29	or	or	CCONJ
hassl-3974	148	30	other	other	ADJ
hassl-3974	148	31	digital	digital	ADJ
hassl-3974	148	32	tools	tool	NOUN
hassl-3974	148	33	.	.	PUNCT
hassl-3974	149	1	this	this	DET
hassl-3974	149	2	choice	choice	NOUN
hassl-3974	149	3	of	of	ADP
hassl-3974	149	4	traditional	traditional	ADJ
hassl-3974	149	5	survey	survey	NOUN
hassl-3974	149	6	method	method	NOUN
hassl-3974	149	7	aims	aim	VERB
hassl-3974	149	8	to	to	PART
hassl-3974	149	9	minimize	minimize	VERB
hassl-3974	149	10	technological	technological	ADJ
hassl-3974	149	11	barriers	barrier	NOUN
hassl-3974	149	12	and	and	CCONJ
hassl-3974	149	13	ensure	ensure	VERB
hassl-3974	149	14	accurate	accurate	ADJ
hassl-3974	149	15	data	datum	NOUN
hassl-3974	149	16	collection	collection	NOUN
hassl-3974	149	17	from	from	ADP
hassl-3974	149	18	a	a	DET
hassl-3974	149	19	group	group	NOUN
hassl-3974	149	20	unfamiliar	unfamiliar	ADJ
hassl-3974	149	21	with	with	ADP
hassl-3974	149	22	the	the	DET
hassl-3974	149	23	digital	digital	ADJ
hassl-3974	149	24	environment	environment	NOUN
hassl-3974	149	25	.	.	PUNCT
hassl-3974	150	1	the	the	DET
hassl-3974	150	2	survey	survey	NOUN
hassl-3974	150	3	was	be	AUX
hassl-3974	150	4	conducted	conduct	VERB
hassl-3974	150	5	from	from	ADP
hassl-3974	150	6	april	april	PROPN
hassl-3974	150	7	1st	1st	NOUN
hassl-3974	150	8	to	to	ADP
hassl-3974	150	9	april	april	PROPN
hassl-3974	150	10	30th	30th	NUM
hassl-3974	150	11	,	,	PUNCT
hassl-3974	150	12	2024	2024	NUM
hassl-3974	150	13	.	.	PUNCT
hassl-3974	151	1	in	in	ADP
hassl-3974	151	2	total	total	NOUN
hassl-3974	151	3	,	,	PUNCT
hassl-3974	151	4	from	from	ADP
hassl-3974	151	5	300	300	NUM
hassl-3974	151	6	surveys	survey	NOUN
hassl-3974	151	7	distributed	distribute	VERB
hassl-3974	151	8	,	,	PUNCT
hassl-3974	151	9	there	there	PRON
hassl-3974	151	10	were	be	VERB
hassl-3974	151	11	250	250	NUM
hassl-3974	151	12	valid	valid	ADJ
hassl-3974	151	13	answer	answer	NOUN
hassl-3974	151	14	sheets	sheet	NOUN
hassl-3974	151	15	accounting	account	VERB
hassl-3974	151	16	for	for	ADP
hassl-3974	151	17	an	an	DET
hassl-3974	151	18	83.3	83.3	NUM
hassl-3974	151	19	%	%	NOUN
hassl-3974	151	20	response	response	NOUN
hassl-3974	151	21	rate	rate	NOUN
hassl-3974	151	22	.	.	PUNCT
hassl-3974	152	1	4	4	X
hassl-3974	152	2	.	.	NOUN
hassl-3974	152	3	results	result	NOUN
hassl-3974	152	4	and	and	CCONJ
hassl-3974	152	5	discussion	discussion	NOUN
hassl-3974	152	6	4.1	4.1	NUM
hassl-3974	152	7	.	.	PUNCT
hassl-3974	152	8	results	result	VERB
hassl-3974	152	9	4.1.1	4.1.1	NUM
hassl-3974	152	10	.	.	PUNCT
hassl-3974	153	1	demographics	demographic	NOUN
hassl-3974	153	2	of	of	ADP
hassl-3974	153	3	respondents	respondent	NOUN
hassl-3974	153	4	table	table	NOUN
hassl-3974	153	5	2	2	NUM
hassl-3974	153	6	provides	provide	VERB
hassl-3974	153	7	a	a	DET
hassl-3974	153	8	summary	summary	NOUN
hassl-3974	153	9	of	of	ADP
hassl-3974	153	10	demographics	demographic	NOUN
hassl-3974	153	11	.	.	PUNCT
hassl-3974	154	1	out	out	ADP
hassl-3974	154	2	of	of	ADP
hassl-3974	154	3	250	250	NUM
hassl-3974	154	4	valid	valid	ADJ
hassl-3974	154	5	survey	survey	NOUN
hassl-3974	154	6	respondents	respondent	NOUN
hassl-3974	154	7	,	,	PUNCT
hassl-3974	154	8	99	99	NUM
hassl-3974	154	9	were	be	AUX
hassl-3974	154	10	male	male	ADJ
hassl-3974	154	11	(	(	PUNCT
hassl-3974	154	12	39.6	39.6	NUM
hassl-3974	154	13	%	%	NOUN
hassl-3974	154	14	)	)	PUNCT
hassl-3974	154	15	and	and	CCONJ
hassl-3974	154	16	151	151	NUM
hassl-3974	154	17	were	be	AUX
hassl-3974	154	18	female	female	ADJ
hassl-3974	154	19	(	(	PUNCT
hassl-3974	154	20	60.4	60.4	NUM
hassl-3974	154	21	%	%	NOUN
hassl-3974	154	22	)	)	PUNCT
hassl-3974	154	23	.	.	PUNCT
hassl-3974	155	1	participants	participant	NOUN
hassl-3974	155	2	were	be	AUX
hassl-3974	155	3	predominantly	predominantly	ADV
hassl-3974	155	4	aged	age	VERB
hassl-3974	155	5	over	over	ADP
hassl-3974	155	6	55	55	NUM
hassl-3974	155	7	comprising	comprise	VERB
hassl-3974	155	8	97.2	97.2	NUM
hassl-3974	155	9	%	%	NOUN
hassl-3974	155	10	of	of	ADP
hassl-3974	155	11	the	the	DET
hassl-3974	155	12	sample	sample	NOUN
hassl-3974	155	13	(	(	PUNCT
hassl-3974	155	14	68	68	NUM
hassl-3974	155	15	%	%	NOUN
hassl-3974	155	16	aged	aged	ADJ
hassl-3974	155	17	55	55	NUM
hassl-3974	155	18	-	-	SYM
hassl-3974	155	19	65	65	NUM
hassl-3974	155	20	and	and	CCONJ
hassl-3974	155	21	29.2	29.2	NUM
hassl-3974	155	22	%	%	NOUN
hassl-3974	155	23	aged	aged	ADJ
hassl-3974	155	24	over	over	ADP
hassl-3974	155	25	65	65	NUM
hassl-3974	155	26	)	)	PUNCT
hassl-3974	155	27	.	.	PUNCT
hassl-3974	156	1	regarding	regard	VERB
hassl-3974	156	2	previous	previous	ADJ
hassl-3974	156	3	occupations	occupation	NOUN
hassl-3974	156	4	,	,	PUNCT
hassl-3974	156	5	respondents	respondent	NOUN
hassl-3974	156	6	were	be	AUX
hassl-3974	156	7	evenly	evenly	ADV
hassl-3974	156	8	distributed	distribute	VERB
hassl-3974	156	9	across	across	ADP
hassl-3974	156	10	business	business	NOUN
hassl-3974	156	11	(	(	PUNCT
hassl-3974	156	12	28.8	28.8	NUM
hassl-3974	156	13	%	%	NOUN
hassl-3974	156	14	)	)	PUNCT
hassl-3974	156	15	,	,	PUNCT
hassl-3974	156	16	civil	civil	ADJ
hassl-3974	156	17	service	service	NOUN
hassl-3974	156	18	(	(	PUNCT
hassl-3974	156	19	24	24	NUM
hassl-3974	156	20	%	%	NOUN
hassl-3974	156	21	)	)	PUNCT
hassl-3974	156	22	,	,	PUNCT
hassl-3974	156	23	self	self	NOUN
hassl-3974	156	24	-	-	PUNCT
hassl-3974	156	25	employment	employment	NOUN
hassl-3974	156	26	(	(	PUNCT
hassl-3974	156	27	36.4	36.4	NUM
hassl-3974	156	28	%	%	NOUN
hassl-3974	156	29	)	)	PUNCT
hassl-3974	156	30	and	and	CCONJ
hassl-3974	156	31	other	other	ADJ
hassl-3974	156	32	fields	field	NOUN
hassl-3974	156	33	(	(	PUNCT
hassl-3974	156	34	10.8	10.8	NUM
hassl-3974	156	35	%	%	NOUN
hassl-3974	156	36	)	)	PUNCT
hassl-3974	156	37	.	.	PUNCT
hassl-3974	157	1	educational	educational	ADJ
hassl-3974	157	2	attainment	attainment	NOUN
hassl-3974	157	3	varied	varied	ADJ
hassl-3974	157	4	with	with	ADP
hassl-3974	157	5	a	a	DET
hassl-3974	157	6	majority	majority	NOUN
hassl-3974	157	7	having	having	AUX
hassl-3974	157	8	completed	complete	VERB
hassl-3974	157	9	secondary	secondary	ADJ
hassl-3974	157	10	education	education	NOUN
hassl-3974	157	11	(	(	PUNCT
hassl-3974	157	12	35.7	35.7	NUM
hassl-3974	157	13	%	%	NOUN
hassl-3974	157	14	)	)	PUNCT
hassl-3974	157	15	followed	follow	VERB
hassl-3974	157	16	by	by	ADP
hassl-3974	157	17	university	university	NOUN
hassl-3974	157	18	education	education	NOUN
hassl-3974	157	19	(	(	PUNCT
hassl-3974	157	20	27.5	27.5	NUM
hassl-3974	157	21	%	%	NOUN
hassl-3974	157	22	)	)	PUNCT
hassl-3974	157	23	,	,	PUNCT
hassl-3974	157	24	and	and	CCONJ
hassl-3974	157	25	primary	primary	ADJ
hassl-3974	157	26	to	to	ADP
hassl-3974	157	27	middle	middle	ADJ
hassl-3974	157	28	school	school	NOUN
hassl-3974	157	29	education	education	NOUN
hassl-3974	157	30	(	(	PUNCT
hassl-3974	157	31	26	26	NUM
hassl-3974	157	32	%	%	NOUN
hassl-3974	157	33	)	)	PUNCT
hassl-3974	157	34	.	.	PUNCT
hassl-3974	158	1	postgraduate	postgraduate	PROPN
hassl-3974	158	2	education	education	NOUN
hassl-3974	158	3	constituted	constitute	VERB
hassl-3974	158	4	6.2	6.2	NUM
hassl-3974	158	5	%	%	NOUN
hassl-3974	158	6	and	and	CCONJ
hassl-3974	158	7	other	other	ADJ
hassl-3974	158	8	qualifications	qualification	NOUN
hassl-3974	158	9	accounted	account	VERB
hassl-3974	158	10	for	for	ADP
hassl-3974	158	11	4.7	4.7	NUM
hassl-3974	158	12	%	%	NOUN
hassl-3974	158	13	.	.	PUNCT
hassl-3974	159	1	monthly	monthly	ADJ
hassl-3974	159	2	income	income	NOUN
hassl-3974	159	3	levels	level	NOUN
hassl-3974	159	4	showed	show	VERB
hassl-3974	159	5	that	that	SCONJ
hassl-3974	159	6	most	most	ADJ
hassl-3974	159	7	respondents	respondent	NOUN
hassl-3974	159	8	earned	earn	VERB
hassl-3974	159	9	less	less	ADJ
hassl-3974	159	10	than	than	ADP
hassl-3974	159	11	5	5	NUM
hassl-3974	159	12	million	million	NUM
hassl-3974	159	13	vnd	vnd	NOUN
hassl-3974	159	14	(	(	PUNCT
hassl-3974	159	15	35.6	35.6	NUM
hassl-3974	159	16	%	%	NOUN
hassl-3974	159	17	)	)	PUNCT
hassl-3974	159	18	or	or	CCONJ
hassl-3974	159	19	between	between	ADP
hassl-3974	159	20	5	5	NUM
hassl-3974	159	21	-	-	SYM
hassl-3974	159	22	10	10	NUM
hassl-3974	159	23	million	million	NUM
hassl-3974	159	24	vnd	vnd	NOUN
hassl-3974	159	25	(	(	PUNCT
hassl-3974	159	26	39.6	39.6	NUM
hassl-3974	159	27	%	%	NOUN
hassl-3974	159	28	)	)	PUNCT
hassl-3974	159	29	which	which	PRON
hassl-3974	159	30	aligns	align	VERB
hassl-3974	159	31	with	with	ADP
hassl-3974	159	32	the	the	DET
hassl-3974	159	33	retired	retire	VERB
hassl-3974	159	34	status	status	NOUN
hassl-3974	159	35	of	of	ADP
hassl-3974	159	36	the	the	DET
hassl-3974	159	37	surveyed	survey	VERB
hassl-3974	159	38	population	population	NOUN
hassl-3974	159	39	.	.	PUNCT
hassl-3974	160	1	income	income	NOUN
hassl-3974	160	2	levels	level	NOUN
hassl-3974	160	3	of	of	ADP
hassl-3974	160	4	10	10	NUM
hassl-3974	160	5	-	-	SYM
hassl-3974	160	6	20	20	NUM
hassl-3974	160	7	million	million	NUM
hassl-3974	160	8	vnd	vnd	NOUN
hassl-3974	160	9	and	and	CCONJ
hassl-3974	160	10	over	over	ADP
hassl-3974	160	11	20	20	NUM
hassl-3974	160	12	million	million	NUM
hassl-3974	160	13	vnd	vnd	PROPN
hassl-3974	160	14	comprised	comprise	VERB
hassl-3974	160	15	14.8	14.8	NUM
hassl-3974	160	16	%	%	NOUN
hassl-3974	160	17	and	and	CCONJ
hassl-3974	160	18	10	10	NUM
hassl-3974	160	19	%	%	NOUN
hassl-3974	160	20	of	of	ADP
hassl-3974	160	21	respondents	respondent	NOUN
hassl-3974	160	22	,	,	PUNCT
hassl-3974	160	23	respectively	respectively	ADV
hassl-3974	160	24	.	.	PUNCT
hassl-3974	160	25	table	table	NOUN
hassl-3974	160	26	2	2	NUM
hassl-3974	160	27	.	.	PUNCT
hassl-3974	160	28	demographic	demographic	ADJ
hassl-3974	160	29	statistics	statistic	NOUN
hassl-3974	160	30	of	of	ADP
hassl-3974	160	31	respondents	respondent	NOUN
hassl-3974	160	32	.	.	PUNCT
hassl-3974	161	1	characteristics	characteristic	NOUN
hassl-3974	161	2	percentage	percentage	NOUN
hassl-3974	161	3	%	%	NOUN
hassl-3974	161	4	age	age	NOUN
hassl-3974	161	5	under	under	ADP
hassl-3974	161	6	55	55	NUM
hassl-3974	161	7	years	year	NOUN
hassl-3974	161	8	2.80	2.80	NUM
hassl-3974	161	9	%	%	NOUN
hassl-3974	161	10	55	55	NUM
hassl-3974	161	11	-	-	SYM
hassl-3974	161	12	65	65	NUM
hassl-3974	161	13	years	year	NOUN
hassl-3974	161	14	68	68	NUM
hassl-3974	161	15	%	%	NOUN
hassl-3974	161	16	occupation	occupation	NOUN
hassl-3974	161	17	before	before	ADP
hassl-3974	161	18	retirement	retirement	NOUN
hassl-3974	161	19	business	business	NOUN
hassl-3974	161	20	28.80	28.80	NUM
hassl-3974	161	21	%	%	NOUN
hassl-3974	161	22	self	self	NOUN
hassl-3974	161	23	-	-	PUNCT
hassl-3974	161	24	employed	employ	VERB
hassl-3974	161	25	36.40	36.40	NUM
hassl-3974	161	26	%	%	NOUN
hassl-3974	161	27	civil	civil	ADJ
hassl-3974	161	28	servant	servant	NOUN
hassl-3974	161	29	24	24	NUM
hassl-3974	161	30	%	%	NOUN
hassl-3974	161	31	others	other	NOUN
hassl-3974	161	32	10.80	10.80	NUM
hassl-3974	161	33	%	%	NOUN
hassl-3974	161	34	highest	high	ADJ
hassl-3974	161	35	education	education	NOUN
hassl-3974	161	36	level	level	NOUN
hassl-3974	161	37	university	university	NOUN
hassl-3974	161	38	27.50	27.50	NUM
hassl-3974	161	39	%	%	NOUN
hassl-3974	161	40	primary	primary	NOUN
hassl-3974	161	41	to	to	ADP
hassl-3974	161	42	middle	middle	ADJ
hassl-3974	161	43	school	school	NOUN
hassl-3974	161	44	26	26	NUM
hassl-3974	161	45	%	%	NOUN
hassl-3974	161	46	postgraduate	postgraduate	NOUN
hassl-3974	161	47	6.20	6.20	NUM
hassl-3974	161	48	%	%	NOUN
hassl-3974	161	49	secondary	secondary	ADJ
hassl-3974	161	50	school	school	NOUN
hassl-3974	161	51	35.70	35.70	NUM
hassl-3974	161	52	%	%	NOUN
hassl-3974	161	53	monthly	monthly	ADJ
hassl-3974	161	54	income	income	NOUN
hassl-3974	161	55	below	below	ADP
hassl-3974	161	56	5	5	NUM
hassl-3974	161	57	million	million	NUM
hassl-3974	161	58	vnd	vnd	PROPN
hassl-3974	161	59	35.60	35.60	NUM
hassl-3974	161	60	%	%	NOUN
hassl-3974	161	61	5	5	NUM
hassl-3974	161	62	-	-	SYM
hassl-3974	161	63	10	10	NUM
hassl-3974	161	64	million	million	NUM
hassl-3974	161	65	vnd	vnd	PROPN
hassl-3974	161	66	39.60	39.60	NUM
hassl-3974	161	67	%	%	NOUN
hassl-3974	161	68	10	10	NUM
hassl-3974	161	69	-	-	SYM
hassl-3974	161	70	20	20	NUM
hassl-3974	161	71	million	million	NUM
hassl-3974	161	72	vnd	vnd	PROPN
hassl-3974	161	73	14.80	14.80	NUM
hassl-3974	161	74	%	%	NOUN
hassl-3974	161	75	over	over	ADP
hassl-3974	161	76	20	20	NUM
hassl-3974	161	77	million	million	NUM
hassl-3974	161	78	vnd	vnd	PROPN
hassl-3974	161	79	10	10	NUM
hassl-3974	161	80	%	%	NOUN
hassl-3974	161	81	4.1.2	4.1.2	NUM
hassl-3974	161	82	.	.	PUNCT
hassl-3974	162	1	the	the	DET
hassl-3974	162	2	examination	examination	NOUN
hassl-3974	162	3	of	of	ADP
hassl-3974	162	4	the	the	DET
hassl-3974	162	5	measurement	measurement	NOUN
hassl-3974	162	6	model	model	NOUN
hassl-3974	162	7	the	the	DET
hassl-3974	162	8	authors	author	NOUN
hassl-3974	162	9	employed	employ	VERB
hassl-3974	162	10	the	the	DET
hassl-3974	162	11	partial	partial	ADJ
hassl-3974	162	12	least	least	ADJ
hassl-3974	162	13	squares	square	NOUN
hassl-3974	162	14	structural	structural	ADJ
hassl-3974	162	15	equation	equation	NOUN
hassl-3974	162	16	modeling	modeling	NOUN
hassl-3974	162	17	(	(	PUNCT
hassl-3974	162	18	pls	pls	INTJ
hassl-3974	162	19	-	-	PUNCT
hassl-3974	162	20	sem	sem	NOUN
hassl-3974	162	21	)	)	PUNCT
hassl-3974	162	22	method	method	NOUN
hassl-3974	162	23	using	use	VERB
hassl-3974	162	24	smartpls	smartpls	NOUN
hassl-3974	162	25	4	4	NUM
hassl-3974	162	26	software	software	NOUN
hassl-3974	162	27	to	to	PART
hassl-3974	162	28	evaluate	evaluate	VERB
hassl-3974	162	29	the	the	DET
hassl-3974	162	30	characteristics	characteristic	NOUN
hassl-3974	162	31	of	of	ADP
hassl-3974	162	32	the	the	DET
hassl-3974	162	33	measurement	measurement	NOUN
hassl-3974	162	34	scales	scale	VERB
hassl-3974	162	35	and	and	CCONJ
hassl-3974	162	36	test	test	VERB
hassl-3974	162	37	the	the	DET
hassl-3974	162	38	hypotheses	hypothesis	NOUN
hassl-3974	162	39	.	.	PUNCT
hassl-3974	163	1	the	the	DET
hassl-3974	163	2	main	main	ADJ
hassl-3974	163	3	reason	reason	NOUN
hassl-3974	163	4	for	for	ADP
hassl-3974	163	5	selecting	select	VERB
hassl-3974	163	6	the	the	DET
hassl-3974	163	7	pls	pls	PROPN
hassl-3974	163	8	-	-	PUNCT
hassl-3974	163	9	sem	sem	NOUN
hassl-3974	163	10	model	model	NOUN
hassl-3974	163	11	is	be	AUX
hassl-3974	163	12	that	that	SCONJ
hassl-3974	163	13	this	this	DET
hassl-3974	163	14	method	method	NOUN
hassl-3974	163	15	does	do	AUX
hassl-3974	163	16	not	not	PART
hassl-3974	163	17	make	make	VERB
hassl-3974	163	18	any	any	DET
hassl-3974	163	19	assumptions	assumption	NOUN
hassl-3974	163	20	about	about	ADP
hassl-3974	163	21	the	the	DET
hassl-3974	163	22	normal	normal	ADJ
hassl-3974	163	23	distribution	distribution	NOUN
hassl-3974	163	24	characteristics	characteristic	NOUN
hassl-3974	163	25	of	of	ADP
hassl-3974	163	26	the	the	DET
hassl-3974	163	27	data	datum	NOUN
hassl-3974	163	28	and	and	CCONJ
hassl-3974	163	29	is	be	AUX
hassl-3974	163	30	not	not	PART
hassl-3974	163	31	overly	overly	ADV
hassl-3974	163	32	sensitive	sensitive	ADJ
hassl-3974	163	33	to	to	ADP
hassl-3974	163	34	small	small	ADJ
hassl-3974	163	35	sample	sample	NOUN
hassl-3974	163	36	sizes	size	NOUN
hassl-3974	163	37	(	(	PUNCT
hassl-3974	163	38	arnett	arnett	PROPN
hassl-3974	163	39	,	,	PUNCT
hassl-3974	163	40	laverie	laverie	PROPN
hassl-3974	163	41	,	,	PUNCT
hassl-3974	163	42	&	&	CCONJ
hassl-3974	163	43	meiers	meier	NOUN
hassl-3974	163	44	,	,	PUNCT
hassl-3974	163	45	2003	2003	NUM
hassl-3974	163	46	)	)	PUNCT
hassl-3974	163	47	.	.	PUNCT
hassl-3974	164	1	humanities	humanity	NOUN
hassl-3974	164	2	and	and	CCONJ
hassl-3974	164	3	social	social	ADJ
hassl-3974	164	4	sciences	science	NOUN
hassl-3974	164	5	letters	letter	NOUN
hassl-3974	164	6	,	,	PUNCT
hassl-3974	164	7	2025	2025	NUM
hassl-3974	164	8	,	,	PUNCT
hassl-3974	164	9	13(1	13(1	NUM
hassl-3974	164	10	):	):	PUNCT
hassl-3974	164	11	45	45	NUM
hassl-3974	164	12	-	-	SYM
hassl-3974	164	13	55	55	NUM
hassl-3974	164	14	51	51	NUM
hassl-3974	164	15	©	©	PROPN
hassl-3974	164	16	2025	2025	NUM
hassl-3974	164	17	conscientia	conscientia	PROPN
hassl-3974	164	18	beam	beam	PROPN
hassl-3974	164	19	.	.	PUNCT
hassl-3974	165	1	all	all	DET
hassl-3974	165	2	rights	right	NOUN
hassl-3974	165	3	reserved	reserve	VERB
hassl-3974	165	4	.	.	PUNCT
hassl-3974	166	1	the	the	DET
hassl-3974	166	2	results	result	NOUN
hassl-3974	166	3	of	of	ADP
hassl-3974	166	4	examining	examine	VERB
hassl-3974	166	5	construct	construct	VERB
hassl-3974	166	6	reliability	reliability	NOUN
hassl-3974	166	7	are	be	AUX
hassl-3974	166	8	displayed	display	VERB
hassl-3974	166	9	in	in	ADP
hassl-3974	166	10	table	table	NOUN
hassl-3974	166	11	3	3	NUM
hassl-3974	166	12	.	.	PUNCT
hassl-3974	167	1	for	for	ADP
hassl-3974	167	2	the	the	DET
hassl-3974	167	3	construct	construct	NOUN
hassl-3974	167	4	reliability	reliability	NOUN
hassl-3974	167	5	,	,	PUNCT
hassl-3974	167	6	both	both	PRON
hassl-3974	167	7	cronbach	cronbach	VERB
hassl-3974	167	8	’s	’s	PART
hassl-3974	167	9	alpha	alpha	NOUN
hassl-3974	167	10	and	and	CCONJ
hassl-3974	167	11	composite	composite	ADJ
hassl-3974	167	12	reliability	reliability	NOUN
hassl-3974	167	13	are	be	AUX
hassl-3974	167	14	greater	great	ADJ
hassl-3974	167	15	than	than	ADP
hassl-3974	167	16	0.7	0.7	NUM
hassl-3974	167	17	ranging	range	VERB
hassl-3974	167	18	from	from	ADP
hassl-3974	167	19	0.762	0.762	NUM
hassl-3974	167	20	to	to	ADP
hassl-3974	167	21	0.910	0.910	NUM
hassl-3974	167	22	,	,	PUNCT
hassl-3974	167	23	and	and	CCONJ
hassl-3974	167	24	0.846	0.846	NUM
hassl-3974	167	25	to	to	ADP
hassl-3974	167	26	0.940	0.940	NUM
hassl-3974	167	27	,	,	PUNCT
hassl-3974	167	28	respectively	respectively	ADV
hassl-3974	167	29	.	.	PUNCT
hassl-3974	168	1	hence	hence	ADV
hassl-3974	168	2	,	,	PUNCT
hassl-3974	168	3	all	all	DET
hassl-3974	168	4	constructs	construct	NOUN
hassl-3974	168	5	are	be	AUX
hassl-3974	168	6	qualified	qualified	ADJ
hassl-3974	168	7	for	for	ADP
hassl-3974	168	8	both	both	CCONJ
hassl-3974	168	9	convergent	convergent	ADJ
hassl-3974	168	10	validity	validity	NOUN
hassl-3974	168	11	and	and	CCONJ
hassl-3974	168	12	construct	construct	VERB
hassl-3974	168	13	reliability	reliability	NOUN
hassl-3974	168	14	.	.	PUNCT
hassl-3974	169	1	table	table	NOUN
hassl-3974	169	2	3	3	NUM
hassl-3974	169	3	.	.	PUNCT
hassl-3974	169	4	reliability	reliability	NOUN
hassl-3974	169	5	validity	validity	NOUN
hassl-3974	169	6	test	test	NOUN
hassl-3974	169	7	.	.	PUNCT
hassl-3974	170	1	variables	variable	NOUN
hassl-3974	170	2	cronbach	cronbach	VERB
hassl-3974	170	3	’s	’s	PART
hassl-3974	170	4	alpha	alpha	ADJ
hassl-3974	170	5	composite	composite	ADJ
hassl-3974	170	6	reliability	reliability	NOUN
hassl-3974	170	7	(	(	PUNCT
hassl-3974	170	8	rho_c	rho_c	NOUN
hassl-3974	170	9	)	)	PUNCT
hassl-3974	170	10	average	average	ADJ
hassl-3974	170	11	variance	variance	NOUN
hassl-3974	170	12	extracted	extract	VERB
hassl-3974	170	13	(	(	PUNCT
hassl-3974	170	14	ave	ave	NOUN
hassl-3974	170	15	)	)	PUNCT
hassl-3974	170	16	digital	digital	ADJ
hassl-3974	170	17	financial	financial	ADJ
hassl-3974	170	18	literacy	literacy	NOUN
hassl-3974	170	19	(	(	PUNCT
hassl-3974	170	20	dfl	dfl	PROPN
hassl-3974	170	21	)	)	PUNCT
hassl-3974	170	22	0.910	0.910	NUM
hassl-3974	170	23	0.937	0.937	NUM
hassl-3974	170	24	0.788	0.788	NUM
hassl-3974	170	25	financial	financial	ADJ
hassl-3974	170	26	literacy	literacy	NOUN
hassl-3974	170	27	(	(	PUNCT
hassl-3974	170	28	fl	fl	NOUN
hassl-3974	170	29	)	)	PUNCT
hassl-3974	170	30	0.762	0.762	NUM
hassl-3974	170	31	0.846	0.846	NUM
hassl-3974	170	32	0.580	0.580	NUM
hassl-3974	170	33	elderly	elderly	ADJ
hassl-3974	170	34	saving	save	VERB
hassl-3974	170	35	behavior	behavior	NOUN
hassl-3974	170	36	(	(	PUNCT
hassl-3974	170	37	esb	esb	NOUN
hassl-3974	170	38	)	)	PUNCT
hassl-3974	170	39	0.904	0.904	NUM
hassl-3974	170	40	0.940	0.940	NUM
hassl-3974	170	41	0.839	0.839	NUM
hassl-3974	170	42	the	the	DET
hassl-3974	170	43	fornell	fornell	NOUN
hassl-3974	170	44	and	and	CCONJ
hassl-3974	170	45	larckers	larcker	NOUN
hassl-3974	170	46	and	and	CCONJ
hassl-3974	170	47	htmt	htmt	NOUN
hassl-3974	170	48	scores	score	NOUN
hassl-3974	170	49	are	be	AUX
hassl-3974	170	50	assessed	assess	VERB
hassl-3974	170	51	for	for	ADP
hassl-3974	170	52	discriminant	discriminant	ADJ
hassl-3974	170	53	validity	validity	NOUN
hassl-3974	170	54	(	(	PUNCT
hassl-3974	170	55	see	see	VERB
hassl-3974	170	56	table	table	NOUN
hassl-3974	170	57	4	4	NUM
hassl-3974	170	58	)	)	PUNCT
hassl-3974	170	59	.	.	PUNCT
hassl-3974	171	1	the	the	DET
hassl-3974	171	2	results	result	NOUN
hassl-3974	171	3	express	express	VERB
hassl-3974	171	4	that	that	SCONJ
hassl-3974	171	5	scores	score	NOUN
hassl-3974	171	6	of	of	ADP
hassl-3974	171	7	financial	financial	ADJ
hassl-3974	171	8	literacy	literacy	NOUN
hassl-3974	171	9	,	,	PUNCT
hassl-3974	171	10	digital	digital	ADJ
hassl-3974	171	11	financial	financial	ADJ
hassl-3974	171	12	literacy	literacy	NOUN
hassl-3974	171	13	,	,	PUNCT
hassl-3974	171	14	and	and	CCONJ
hassl-3974	171	15	elderly	elderly	ADJ
hassl-3974	171	16	saving	save	VERB
hassl-3974	171	17	behavior	behavior	NOUN
hassl-3974	171	18	are	be	AUX
hassl-3974	171	19	greater	great	ADJ
hassl-3974	171	20	than	than	ADP
hassl-3974	171	21	any	any	DET
hassl-3974	171	22	correlation	correlation	NOUN
hassl-3974	171	23	coefficient	coefficient	NOUN
hassl-3974	171	24	between	between	ADP
hassl-3974	171	25	them	they	PRON
hassl-3974	171	26	and	and	CCONJ
hassl-3974	171	27	others	other	NOUN
hassl-3974	171	28	.	.	PUNCT
hassl-3974	172	1	thus	thus	ADV
hassl-3974	172	2	,	,	PUNCT
hassl-3974	172	3	all	all	DET
hassl-3974	172	4	the	the	DET
hassl-3974	172	5	items	item	NOUN
hassl-3974	172	6	and	and	CCONJ
hassl-3974	172	7	constructs	construct	NOUN
hassl-3974	172	8	in	in	ADP
hassl-3974	172	9	the	the	DET
hassl-3974	172	10	outer	outer	ADJ
hassl-3974	172	11	model	model	NOUN
hassl-3974	172	12	are	be	AUX
hassl-3974	172	13	suitable	suitable	ADJ
hassl-3974	172	14	for	for	ADP
hassl-3974	172	15	the	the	DET
hassl-3974	172	16	research	research	NOUN
hassl-3974	172	17	model	model	NOUN
hassl-3974	172	18	.	.	PUNCT
hassl-3974	173	1	table	table	NOUN
hassl-3974	173	2	4	4	NUM
hassl-3974	173	3	.	.	PUNCT
hassl-3974	173	4	results	result	NOUN
hassl-3974	173	5	of	of	ADP
hassl-3974	173	6	the	the	DET
hassl-3974	173	7	discriminant	discriminant	ADJ
hassl-3974	173	8	validity	validity	NOUN
hassl-3974	173	9	.	.	PUNCT
hassl-3974	174	1	variables	variable	NOUN
hassl-3974	174	2	fornell	fornell	PROPN
hassl-3974	174	3	-	-	PUNCT
hassl-3974	174	4	larcker	larcker	NOUN
hassl-3974	174	5	heterotrait	heterotrait	NOUN
hassl-3974	174	6	-	-	PUNCT
hassl-3974	174	7	monotrait	monotrait	ADJ
hassl-3974	174	8	(	(	PUNCT
hassl-3974	174	9	htmt	htmt	PROPN
hassl-3974	174	10	)	)	PUNCT
hassl-3974	174	11	dfl	dfl	PROPN
hassl-3974	174	12	fl	fl	PROPN
hassl-3974	174	13	esb	esb	PROPN
hassl-3974	174	14	dfl	dfl	PROPN
hassl-3974	174	15	fl	fl	PROPN
hassl-3974	174	16	esb	esb	PROPN
hassl-3974	174	17	dfl	dfl	PROPN
hassl-3974	174	18	0.888	0.888	NUM
hassl-3974	174	19	1	1	NUM
hassl-3974	174	20	fl	fl	NUM
hassl-3974	174	21	0.597	0.597	NUM
hassl-3974	174	22	0.762	0.762	NUM
hassl-3974	174	23	0.715	0.715	NUM
hassl-3974	174	24	1	1	NUM
hassl-3974	174	25	esb	esb	NOUN
hassl-3974	174	26	0.472	0.472	NUM
hassl-3974	174	27	0.639	0.639	NUM
hassl-3974	174	28	0.916	0.916	NUM
hassl-3974	174	29	0.518	0.518	NUM
hassl-3974	174	30	0.733	0.733	NUM
hassl-3974	174	31	1	1	NUM
hassl-3974	174	32	4.1.3	4.1.3	NUM
hassl-3974	174	33	.	.	PUNCT
hassl-3974	175	1	examination	examination	NOUN
hassl-3974	175	2	of	of	ADP
hassl-3974	175	3	the	the	DET
hassl-3974	175	4	structural	structural	ADJ
hassl-3974	175	5	model	model	NOUN
hassl-3974	175	6	examining	examine	VERB
hassl-3974	175	7	the	the	DET
hassl-3974	175	8	inner	inner	ADJ
hassl-3974	175	9	model	model	NOUN
hassl-3974	175	10	is	be	AUX
hassl-3974	175	11	conducted	conduct	VERB
hassl-3974	175	12	to	to	PART
hassl-3974	175	13	test	test	VERB
hassl-3974	175	14	the	the	DET
hassl-3974	175	15	research	research	NOUN
hassl-3974	175	16	hypotheses	hypothesis	NOUN
hassl-3974	175	17	.	.	PUNCT
hassl-3974	176	1	first	first	ADV
hassl-3974	176	2	,	,	PUNCT
hassl-3974	176	3	assess	assess	VERB
hassl-3974	176	4	the	the	DET
hassl-3974	176	5	multi	multi	NOUN
hassl-3974	176	6	-	-	NOUN
hassl-3974	176	7	collinearity	collinearity	NOUN
hassl-3974	176	8	by	by	ADP
hassl-3974	176	9	testing	test	VERB
hassl-3974	176	10	the	the	DET
hassl-3974	176	11	inner	inner	ADJ
hassl-3974	176	12	variance	variance	NOUN
hassl-3974	176	13	inflation	inflation	NOUN
hassl-3974	176	14	factor	factor	NOUN
hassl-3974	176	15	(	(	PUNCT
hassl-3974	176	16	vif	vif	PROPN
hassl-3974	176	17	)	)	PUNCT
hassl-3974	176	18	(	(	PUNCT
hassl-3974	176	19	see	see	VERB
hassl-3974	176	20	table	table	NOUN
hassl-3974	176	21	5	5	NUM
hassl-3974	176	22	)	)	PUNCT
hassl-3974	176	23	.	.	PUNCT
hassl-3974	177	1	the	the	DET
hassl-3974	177	2	vif	vif	NOUN
hassl-3974	177	3	scores	score	NOUN
hassl-3974	177	4	between	between	ADP
hassl-3974	177	5	two	two	NUM
hassl-3974	177	6	pairs	pair	NOUN
hassl-3974	177	7	of	of	ADP
hassl-3974	177	8	constructs	construct	NOUN
hassl-3974	177	9	are	be	AUX
hassl-3974	177	10	much	much	ADV
hassl-3974	177	11	less	less	ADJ
hassl-3974	177	12	than	than	ADP
hassl-3974	177	13	5	5	NUM
hassl-3974	177	14	and	and	CCONJ
hassl-3974	177	15	the	the	DET
hassl-3974	177	16	model	model	NOUN
hassl-3974	177	17	has	have	VERB
hassl-3974	177	18	no	no	DET
hassl-3974	177	19	multi	multi	NOUN
hassl-3974	177	20	-	-	NOUN
hassl-3974	177	21	collinearity	collinearity	NOUN
hassl-3974	177	22	.	.	PUNCT
hassl-3974	178	1	table	table	NOUN
hassl-3974	178	2	5	5	NUM
hassl-3974	178	3	.	.	PUNCT
hassl-3974	179	1	multi	multi	ADJ
hassl-3974	179	2	-	-	ADJ
hassl-3974	179	3	collinearity	collinearity	ADJ
hassl-3974	179	4	test	test	NOUN
hassl-3974	179	5	.	.	PUNCT
hassl-3974	180	1	variables	variable	NOUN
hassl-3974	180	2	vif	vif	PROPN
hassl-3974	180	3	variables	variable	VERB
hassl-3974	180	4	vif	vif	PROPN
hassl-3974	180	5	dfl1	dfl1	VERB
hassl-3974	180	6	2.881	2.881	NUM
hassl-3974	180	7	fl1	fl1	ADV
hassl-3974	180	8	1.989	1.989	NUM
hassl-3974	180	9	dfl2	dfl2	NOUN
hassl-3974	180	10	2.396	2.396	NUM
hassl-3974	180	11	fl2	fl2	NOUN
hassl-3974	180	12	1.835	1.835	NUM
hassl-3974	180	13	dfl3	dfl3	NOUN
hassl-3974	180	14	3.215	3.215	NUM
hassl-3974	180	15	fl3	fl3	NOUN
hassl-3974	180	16	1.979	1.979	NUM
hassl-3974	180	17	dfl4	dfl4	NOUN
hassl-3974	180	18	2.745	2.745	NUM
hassl-3974	180	19	fl4	fl4	NOUN
hassl-3974	180	20	1.915	1.915	NUM
hassl-3974	180	21	esb1	esb1	PROPN
hassl-3974	180	22	2.719	2.719	NUM
hassl-3974	180	23	esb2	esb2	NOUN
hassl-3974	180	24	3.512	3.512	NUM
hassl-3974	180	25	esb3	esb3	NOUN
hassl-3974	180	26	2.805	2.805	NUM
hassl-3974	180	27	the	the	DET
hassl-3974	180	28	results	result	NOUN
hassl-3974	180	29	of	of	ADP
hassl-3974	180	30	r2	r2	NOUN
hassl-3974	180	31	,	,	PUNCT
hassl-3974	180	32	r2	r2	PROPN
hassl-3974	180	33	adjusted	adjust	VERB
hassl-3974	180	34	and	and	CCONJ
hassl-3974	180	35	f2	f2	PROPN
hassl-3974	180	36	are	be	AUX
hassl-3974	180	37	displayed	display	VERB
hassl-3974	180	38	in	in	ADP
hassl-3974	180	39	table	table	NOUN
hassl-3974	180	40	6	6	NUM
hassl-3974	180	41	.	.	PUNCT
hassl-3974	181	1	in	in	ADP
hassl-3974	181	2	smart	smart	ADJ
hassl-3974	181	3	-	-	PUNCT
hassl-3974	181	4	pls4	pls4	NOUN
hassl-3974	181	5	,	,	PUNCT
hassl-3974	181	6	the	the	DET
hassl-3974	181	7	software	software	NOUN
hassl-3974	181	8	provides	provide	VERB
hassl-3974	181	9	an	an	DET
hassl-3974	181	10	adjusted	adjust	VERB
hassl-3974	181	11	r2	r2	NOUN
hassl-3974	181	12	coefficient	coefficient	NOUN
hassl-3974	181	13	(	(	PUNCT
hassl-3974	181	14	r	r	NOUN
hassl-3974	181	15	-	-	PUNCT
hassl-3974	181	16	square	square	NOUN
hassl-3974	181	17	adjusted	adjust	VERB
hassl-3974	181	18	)	)	PUNCT
hassl-3974	181	19	which	which	PRON
hassl-3974	181	20	more	more	ADV
hassl-3974	181	21	accurately	accurately	ADV
hassl-3974	181	22	reflects	reflect	VERB
hassl-3974	181	23	the	the	DET
hassl-3974	181	24	explanatory	explanatory	ADJ
hassl-3974	181	25	power	power	NOUN
hassl-3974	181	26	of	of	ADP
hassl-3974	181	27	the	the	DET
hassl-3974	181	28	independent	independent	ADJ
hassl-3974	181	29	variables	variable	NOUN
hassl-3974	181	30	in	in	ADP
hassl-3974	181	31	addition	addition	NOUN
hassl-3974	181	32	to	to	ADP
hassl-3974	181	33	r2	r2	PROPN
hassl-3974	181	34	(	(	PUNCT
hassl-3974	181	35	r	r	NOUN
hassl-3974	181	36	-	-	ADJ
hassl-3974	181	37	square	square	NOUN
hassl-3974	181	38	)	)	PUNCT
hassl-3974	181	39	.	.	PUNCT
hassl-3974	182	1	the	the	DET
hassl-3974	182	2	adjusted	adjust	VERB
hassl-3974	182	3	r2	r2	NOUN
hassl-3974	182	4	coefficient	coefficient	NOUN
hassl-3974	182	5	of	of	ADP
hassl-3974	182	6	the	the	DET
hassl-3974	182	7	structural	structural	ADJ
hassl-3974	182	8	model	model	NOUN
hassl-3974	182	9	shows	show	VERB
hassl-3974	182	10	that	that	SCONJ
hassl-3974	182	11	the	the	DET
hassl-3974	182	12	digital	digital	ADJ
hassl-3974	182	13	financial	financial	ADJ
hassl-3974	182	14	literacy	literacy	NOUN
hassl-3974	182	15	variable	variable	NOUN
hassl-3974	182	16	is	be	AUX
hassl-3974	182	17	explained	explain	VERB
hassl-3974	182	18	at	at	ADP
hassl-3974	182	19	35.4	35.4	NUM
hassl-3974	182	20	%	%	NOUN
hassl-3974	182	21	by	by	ADP
hassl-3974	182	22	the	the	DET
hassl-3974	182	23	model	model	NOUN
hassl-3974	182	24	,	,	PUNCT
hassl-3974	182	25	while	while	SCONJ
hassl-3974	182	26	the	the	DET
hassl-3974	182	27	saving	save	VERB
hassl-3974	182	28	behavior	behavior	NOUN
hassl-3974	182	29	variable	variable	NOUN
hassl-3974	182	30	is	be	AUX
hassl-3974	182	31	explained	explain	VERB
hassl-3974	182	32	at	at	ADP
hassl-3974	182	33	42.1	42.1	NUM
hassl-3974	182	34	%	%	NOUN
hassl-3974	182	35	by	by	ADP
hassl-3974	182	36	the	the	DET
hassl-3974	182	37	model	model	NOUN
hassl-3974	182	38	.	.	PUNCT
hassl-3974	183	1	chin	chin	NOUN
hassl-3974	183	2	(	(	PUNCT
hassl-3974	183	3	1998	1998	NUM
hassl-3974	183	4	)	)	PUNCT
hassl-3974	183	5	introduced	introduce	VERB
hassl-3974	183	6	a	a	DET
hassl-3974	183	7	formula	formula	NOUN
hassl-3974	183	8	for	for	ADP
hassl-3974	183	9	calculating	calculate	VERB
hassl-3974	183	10	the	the	DET
hassl-3974	183	11	f2	f2	ADJ
hassl-3974	183	12	coefficient	coefficient	NOUN
hassl-3974	183	13	(	(	PUNCT
hassl-3974	183	14	f	f	PROPN
hassl-3974	183	15	square	square	PROPN
hassl-3974	183	16	)	)	PUNCT
hassl-3974	183	17	to	to	PART
hassl-3974	183	18	examine	examine	VERB
hassl-3974	183	19	the	the	DET
hassl-3974	183	20	importance	importance	NOUN
hassl-3974	183	21	of	of	ADP
hassl-3974	183	22	an	an	DET
hassl-3974	183	23	independent	independent	ADJ
hassl-3974	183	24	variable	variable	NOUN
hassl-3974	183	25	on	on	ADP
hassl-3974	183	26	the	the	DET
hassl-3974	183	27	dependent	dependent	ADJ
hassl-3974	183	28	variable	variable	NOUN
hassl-3974	183	29	.	.	PUNCT
hassl-3974	184	1	when	when	SCONJ
hassl-3974	184	2	evaluating	evaluate	VERB
hassl-3974	184	3	the	the	DET
hassl-3974	184	4	f2	f2	ADJ
hassl-3974	184	5	value	value	NOUN
hassl-3974	184	6	for	for	ADP
hassl-3974	184	7	the	the	DET
hassl-3974	184	8	independent	independent	ADJ
hassl-3974	184	9	variables	variable	NOUN
hassl-3974	184	10	,	,	PUNCT
hassl-3974	184	11	the	the	DET
hassl-3974	184	12	results	result	NOUN
hassl-3974	184	13	show	show	VERB
hassl-3974	184	14	that	that	SCONJ
hassl-3974	184	15	digital	digital	ADJ
hassl-3974	184	16	financial	financial	ADJ
hassl-3974	184	17	literacy	literacy	NOUN
hassl-3974	184	18	has	have	VERB
hassl-3974	184	19	a	a	DET
hassl-3974	184	20	small	small	ADJ
hassl-3974	184	21	effect	effect	NOUN
hassl-3974	184	22	on	on	ADP
hassl-3974	184	23	the	the	DET
hassl-3974	184	24	saving	save	VERB
hassl-3974	184	25	behaviour	behaviour	NOUN
hassl-3974	184	26	of	of	ADP
hassl-3974	184	27	elderly	elderly	ADJ
hassl-3974	184	28	people	people	NOUN
hassl-3974	184	29	while	while	SCONJ
hassl-3974	184	30	financial	financial	ADJ
hassl-3974	184	31	literacy	literacy	NOUN
hassl-3974	184	32	has	have	VERB
hassl-3974	184	33	a	a	DET
hassl-3974	184	34	great	great	ADJ
hassl-3974	184	35	effect	effect	NOUN
hassl-3974	184	36	on	on	ADP
hassl-3974	184	37	digital	digital	ADJ
hassl-3974	184	38	financial	financial	ADJ
hassl-3974	184	39	literacy	literacy	NOUN
hassl-3974	184	40	,	,	PUNCT
hassl-3974	184	41	and	and	CCONJ
hassl-3974	184	42	financial	financial	ADJ
hassl-3974	184	43	literacy	literacy	NOUN
hassl-3974	184	44	has	have	VERB
hassl-3974	184	45	a	a	DET
hassl-3974	184	46	greater	great	ADJ
hassl-3974	184	47	effect	effect	NOUN
hassl-3974	184	48	on	on	ADP
hassl-3974	184	49	saving	save	VERB
hassl-3974	184	50	behaviour	behaviour	NOUN
hassl-3974	184	51	than	than	ADP
hassl-3974	184	52	digital	digital	ADJ
hassl-3974	184	53	financial	financial	ADJ
hassl-3974	184	54	literacy	literacy	NOUN
hassl-3974	184	55	.	.	PUNCT
hassl-3974	185	1	humanities	humanity	NOUN
hassl-3974	185	2	and	and	CCONJ
hassl-3974	185	3	social	social	ADJ
hassl-3974	185	4	sciences	science	NOUN
hassl-3974	185	5	letters	letter	NOUN
hassl-3974	185	6	,	,	PUNCT
hassl-3974	185	7	2025	2025	NUM
hassl-3974	185	8	,	,	PUNCT
hassl-3974	185	9	13(1	13(1	NUM
hassl-3974	185	10	):	):	PUNCT
hassl-3974	185	11	45	45	NUM
hassl-3974	185	12	-	-	SYM
hassl-3974	185	13	55	55	NUM
hassl-3974	185	14	52	52	NUM
hassl-3974	185	15	©	©	PROPN
hassl-3974	185	16	2025	2025	NUM
hassl-3974	185	17	conscientia	conscientia	PROPN
hassl-3974	185	18	beam	beam	PROPN
hassl-3974	185	19	.	.	PUNCT
hassl-3974	186	1	all	all	DET
hassl-3974	186	2	rights	right	NOUN
hassl-3974	186	3	reserved	reserve	VERB
hassl-3974	186	4	.	.	PUNCT
hassl-3974	187	1	table	table	NOUN
hassl-3974	187	2	6	6	NUM
hassl-3974	187	3	.	.	PUNCT
hassl-3974	188	1	r2	r2	PROPN
hassl-3974	188	2	,	,	PUNCT
hassl-3974	188	3	r2	r2	PROPN
hassl-3974	188	4	adjusted	adjust	VERB
hassl-3974	188	5	and	and	CCONJ
hassl-3974	188	6	f2	f2	PROPN
hassl-3974	188	7	.	.	PUNCT
hassl-3974	189	1	variables	variable	NOUN
hassl-3974	189	2	r2	r2	PROPN
hassl-3974	189	3	r2	r2	PROPN
hassl-3974	189	4	adjusted	adjust	VERB
hassl-3974	189	5	f2	f2	PROPN
hassl-3974	189	6	(	(	PUNCT
hassl-3974	189	7	digital	digital	ADJ
hassl-3974	189	8	financial	financial	ADJ
hassl-3974	189	9	literacy	literacy	NOUN
hassl-3974	189	10	)	)	PUNCT
hassl-3974	189	11	f2	f2	PROPN
hassl-3974	189	12	(	(	PUNCT
hassl-3974	189	13	elderly	elderly	ADJ
hassl-3974	189	14	saving	saving	NOUN
hassl-3974	189	15	behavior	behavior	NOUN
hassl-3974	189	16	)	)	PUNCT
hassl-3974	189	17	digital	digital	ADJ
hassl-3974	189	18	financial	financial	ADJ
hassl-3974	189	19	literacy	literacy	NOUN
hassl-3974	189	20	(	(	PUNCT
hassl-3974	189	21	dfl	dfl	PROPN
hassl-3974	189	22	)	)	PUNCT
hassl-3974	189	23	0.356	0.356	NUM
hassl-3974	189	24	0.354	0.354	NUM
hassl-3974	189	25	0.022	0.022	NUM
hassl-3974	189	26	financial	financial	ADJ
hassl-3974	189	27	literacy	literacy	NOUN
hassl-3974	189	28	(	(	PUNCT
hassl-3974	189	29	fl	fl	NOUN
hassl-3974	189	30	)	)	PUNCT
hassl-3974	189	31	0.553	0.553	NUM
hassl-3974	189	32	(	(	PUNCT
hassl-3974	189	33	big	big	ADJ
hassl-3974	189	34	)	)	PUNCT
hassl-3974	189	35	0.342	0.342	NUM
hassl-3974	189	36	elderly	elderly	ADJ
hassl-3974	189	37	saving	save	VERB
hassl-3974	189	38	behavior	behavior	NOUN
hassl-3974	189	39	(	(	PUNCT
hassl-3974	189	40	esb	esb	NOUN
hassl-3974	189	41	)	)	PUNCT
hassl-3974	189	42	0.421	0.421	NUM
hassl-3974	189	43	0.416	0.416	NUM
hassl-3974	189	44	investigation	investigation	NOUN
hassl-3974	189	45	of	of	ADP
hassl-3974	189	46	the	the	DET
hassl-3974	189	47	direct	direct	ADJ
hassl-3974	189	48	relationships	relationship	NOUN
hassl-3974	189	49	through	through	ADP
hassl-3974	189	50	bootstrapping	bootstrapping	NOUN
hassl-3974	189	51	is	be	AUX
hassl-3974	189	52	displayed	display	VERB
hassl-3974	189	53	in	in	ADP
hassl-3974	189	54	table	table	NOUN
hassl-3974	189	55	7	7	NUM
hassl-3974	189	56	.	.	PUNCT
hassl-3974	189	57	table	table	NOUN
hassl-3974	189	58	7	7	NUM
hassl-3974	189	59	.	.	PUNCT
hassl-3974	189	60	research	research	NOUN
hassl-3974	189	61	hypotheses	hypothesis	NOUN
hassl-3974	189	62	testing	testing	NOUN
hassl-3974	189	63	.	.	PUNCT
hassl-3974	190	1	hypotheses	hypothese	VERB
hassl-3974	190	2	std	std	NOUN
hassl-3974	190	3	.	.	PUNCT
hassl-3974	191	1	beta	beta	ADJ
hassl-3974	191	2	std	std	PROPN
hassl-3974	191	3	.	.	PUNCT
hassl-3974	192	1	deviation	deviation	NOUN
hassl-3974	192	2	t	t	NOUN
hassl-3974	192	3	-	-	PUNCT
hassl-3974	192	4	value	value	NOUN
hassl-3974	192	5	p	p	NOUN
hassl-3974	192	6	values	value	NOUN
hassl-3974	192	7	results	result	VERB
hassl-3974	192	8	h1	h1	PROPN
hassl-3974	192	9	:	:	PUNCT
hassl-3974	192	10	fl	fl	PROPN
hassl-3974	192	11	-	-	PUNCT
hassl-3974	192	12	>	>	X
hassl-3974	192	13	esb	esb	PROPN
hassl-3974	192	14	0.639	0.639	NUM
hassl-3974	192	15	0.045	0.045	NUM
hassl-3974	192	16	14.209	14.209	NUM
hassl-3974	192	17	0.000	0.000	NUM
hassl-3974	192	18	supported	support	VERB
hassl-3974	192	19	h2	h2	NOUN
hassl-3974	192	20	:	:	PUNCT
hassl-3974	192	21	fl	fl	PROPN
hassl-3974	192	22	-	-	PUNCT
hassl-3974	192	23	>	>	X
hassl-3974	192	24	dfl	dfl	PROPN
hassl-3974	192	25	0.597	0.597	NUM
hassl-3974	192	26	0.042	0.042	NUM
hassl-3974	192	27	14.269	14.269	NUM
hassl-3974	192	28	0.000	0.000	NUM
hassl-3974	192	29	supported	support	VERB
hassl-3974	192	30	h3	h3	NOUN
hassl-3974	192	31	:	:	PUNCT
hassl-3974	192	32	dfl	dfl	PROPN
hassl-3974	192	33	-	-	PUNCT
hassl-3974	192	34	>	>	X
hassl-3974	192	35	esb	esb	NOUN
hassl-3974	192	36	0.141	0.141	NUM
hassl-3974	192	37	0.058	0.058	NUM
hassl-3974	192	38	2.428	2.428	NUM
hassl-3974	192	39	0.015	0.015	NUM
hassl-3974	192	40	supported	support	VERB
hassl-3974	192	41	h4	h4	NOUN
hassl-3974	192	42	:	:	PUNCT
hassl-3974	192	43	fl	fl	PROPN
hassl-3974	192	44	-	-	PUNCT
hassl-3974	192	45	>	>	X
hassl-3974	192	46	dfl	dfl	PROPN
hassl-3974	192	47	-	-	PUNCT
hassl-3974	192	48	>	>	X
hassl-3974	192	49	esb	esb	PROPN
hassl-3974	192	50	0.084	0.084	NUM
hassl-3974	192	51	0.035	0.035	NUM
hassl-3974	192	52	2.418	2.418	NUM
hassl-3974	192	53	0.016	0.016	NUM
hassl-3974	192	54	supported	support	VERB
hassl-3974	192	55	according	accord	VERB
hassl-3974	192	56	to	to	ADP
hassl-3974	192	57	table	table	NOUN
hassl-3974	192	58	7	7	NUM
hassl-3974	192	59	,	,	PUNCT
hassl-3974	192	60	the	the	DET
hassl-3974	192	61	research	research	NOUN
hassl-3974	192	62	hypotheses	hypothesis	NOUN
hassl-3974	192	63	of	of	ADP
hassl-3974	192	64	the	the	DET
hassl-3974	192	65	positive	positive	ADJ
hassl-3974	192	66	effect	effect	NOUN
hassl-3974	192	67	of	of	ADP
hassl-3974	192	68	financial	financial	ADJ
hassl-3974	192	69	literacy	literacy	NOUN
hassl-3974	192	70	and	and	CCONJ
hassl-3974	192	71	digital	digital	ADJ
hassl-3974	192	72	financial	financial	ADJ
hassl-3974	192	73	literacy	literacy	NOUN
hassl-3974	192	74	on	on	ADP
hassl-3974	192	75	elderly	elderly	ADJ
hassl-3974	192	76	saving	save	VERB
hassl-3974	192	77	behavior	behavior	NOUN
hassl-3974	192	78	(	(	PUNCT
hassl-3974	192	79	h1	h1	VERB
hassl-3974	192	80	and	and	CCONJ
hassl-3974	192	81	h3	h3	NOUN
hassl-3974	192	82	)	)	PUNCT
hassl-3974	192	83	,	,	PUNCT
hassl-3974	192	84	financial	financial	ADJ
hassl-3974	192	85	literacy	literacy	NOUN
hassl-3974	192	86	on	on	ADP
hassl-3974	192	87	digital	digital	ADJ
hassl-3974	192	88	financial	financial	ADJ
hassl-3974	192	89	literacy	literacy	NOUN
hassl-3974	192	90	(	(	PUNCT
hassl-3974	192	91	h2	h2	NOUN
hassl-3974	192	92	)	)	PUNCT
hassl-3974	192	93	,	,	PUNCT
hassl-3974	192	94	and	and	CCONJ
hassl-3974	192	95	the	the	DET
hassl-3974	192	96	mediating	mediate	VERB
hassl-3974	192	97	role	role	NOUN
hassl-3974	192	98	of	of	ADP
hassl-3974	192	99	digital	digital	ADJ
hassl-3974	192	100	financial	financial	ADJ
hassl-3974	192	101	literacy	literacy	NOUN
hassl-3974	192	102	(	(	PUNCT
hassl-3974	192	103	h4	h4	NOUN
hassl-3974	192	104	)	)	PUNCT
hassl-3974	192	105	are	be	AUX
hassl-3974	192	106	all	all	PRON
hassl-3974	192	107	supported	support	VERB
hassl-3974	192	108	.	.	PUNCT
hassl-3974	193	1	this	this	DET
hassl-3974	193	2	finding	finding	NOUN
hassl-3974	193	3	aligns	align	VERB
hassl-3974	193	4	with	with	ADP
hassl-3974	193	5	the	the	DET
hassl-3974	193	6	research	research	NOUN
hassl-3974	193	7	results	result	NOUN
hassl-3974	193	8	of	of	ADP
hassl-3974	193	9	many	many	ADJ
hassl-3974	193	10	other	other	ADJ
hassl-3974	193	11	scholars	scholar	NOUN
hassl-3974	193	12	in	in	ADP
hassl-3974	193	13	the	the	DET
hassl-3974	193	14	same	same	ADJ
hassl-3974	193	15	field	field	NOUN
hassl-3974	193	16	.	.	PUNCT
hassl-3974	194	1	the	the	DET
hassl-3974	194	2	positive	positive	ADJ
hassl-3974	194	3	impact	impact	NOUN
hassl-3974	194	4	of	of	ADP
hassl-3974	194	5	these	these	DET
hassl-3974	194	6	relationships	relationship	NOUN
hassl-3974	194	7	indicates	indicate	VERB
hassl-3974	194	8	that	that	SCONJ
hassl-3974	194	9	higher	high	ADJ
hassl-3974	194	10	financial	financial	ADJ
hassl-3974	194	11	literacy	literacy	NOUN
hassl-3974	194	12	among	among	ADP
hassl-3974	194	13	elderly	elderly	ADJ
hassl-3974	194	14	people	people	NOUN
hassl-3974	194	15	leads	lead	VERB
hassl-3974	194	16	to	to	ADP
hassl-3974	194	17	better	well	ADV
hassl-3974	194	18	saving	save	VERB
hassl-3974	194	19	behavior	behavior	NOUN
hassl-3974	194	20	and	and	CCONJ
hassl-3974	194	21	particularly	particularly	ADV
hassl-3974	194	22	promotes	promote	VERB
hassl-3974	194	23	greater	great	ADJ
hassl-3974	194	24	saving	saving	NOUN
hassl-3974	194	25	intentions	intention	NOUN
hassl-3974	194	26	.	.	PUNCT
hassl-3974	195	1	digital	digital	ADJ
hassl-3974	195	2	financial	financial	ADJ
hassl-3974	195	3	literacy	literacy	NOUN
hassl-3974	195	4	plays	play	VERB
hassl-3974	195	5	an	an	DET
hassl-3974	195	6	important	important	ADJ
hassl-3974	195	7	mediating	mediate	VERB
hassl-3974	195	8	role	role	NOUN
hassl-3974	195	9	as	as	SCONJ
hassl-3974	195	10	both	both	CCONJ
hassl-3974	195	11	direct	direct	ADJ
hassl-3974	195	12	and	and	CCONJ
hassl-3974	195	13	indirect	indirect	ADJ
hassl-3974	195	14	relationships	relationship	NOUN
hassl-3974	195	15	are	be	AUX
hassl-3974	195	16	statistically	statistically	ADV
hassl-3974	195	17	significant	significant	ADJ
hassl-3974	195	18	regarding	regard	VERB
hassl-3974	195	19	the	the	DET
hassl-3974	195	20	relationship	relationship	NOUN
hassl-3974	195	21	between	between	ADP
hassl-3974	195	22	financial	financial	ADJ
hassl-3974	195	23	literacy	literacy	NOUN
hassl-3974	195	24	and	and	CCONJ
hassl-3974	195	25	the	the	DET
hassl-3974	195	26	saving	save	VERB
hassl-3974	195	27	behavior	behavior	NOUN
hassl-3974	195	28	of	of	ADP
hassl-3974	195	29	elderly	elderly	ADJ
hassl-3974	195	30	people	people	NOUN
hassl-3974	195	31	.	.	PUNCT
hassl-3974	196	1	thus	thus	ADV
hassl-3974	196	2	,	,	PUNCT
hassl-3974	196	3	digital	digital	ADJ
hassl-3974	196	4	financial	financial	ADJ
hassl-3974	196	5	literacy	literacy	NOUN
hassl-3974	196	6	enhances	enhance	VERB
hassl-3974	196	7	the	the	DET
hassl-3974	196	8	overall	overall	ADJ
hassl-3974	196	9	impact	impact	NOUN
hassl-3974	196	10	of	of	ADP
hassl-3974	196	11	financial	financial	ADJ
hassl-3974	196	12	literacy	literacy	NOUN
hassl-3974	196	13	on	on	ADP
hassl-3974	196	14	the	the	DET
hassl-3974	196	15	saving	save	VERB
hassl-3974	196	16	behavior	behavior	NOUN
hassl-3974	196	17	of	of	ADP
hassl-3974	196	18	elderly	elderly	ADJ
hassl-3974	196	19	people	people	NOUN
hassl-3974	196	20	.	.	PUNCT
hassl-3974	197	1	this	this	DET
hassl-3974	197	2	result	result	NOUN
hassl-3974	197	3	also	also	ADV
hassl-3974	197	4	suggests	suggest	VERB
hassl-3974	197	5	that	that	SCONJ
hassl-3974	197	6	banks	bank	NOUN
hassl-3974	197	7	should	should	AUX
hassl-3974	197	8	aim	aim	VERB
hassl-3974	197	9	to	to	PART
hassl-3974	197	10	improve	improve	VERB
hassl-3974	197	11	the	the	DET
hassl-3974	197	12	digital	digital	ADJ
hassl-3974	197	13	financial	financial	ADJ
hassl-3974	197	14	literacy	literacy	NOUN
hassl-3974	197	15	of	of	ADP
hassl-3974	197	16	elderly	elderly	ADJ
hassl-3974	197	17	people	people	NOUN
hassl-3974	197	18	to	to	PART
hassl-3974	197	19	encourage	encourage	VERB
hassl-3974	197	20	their	their	PRON
hassl-3974	197	21	saving	save	VERB
hassl-3974	197	22	behavior	behavior	NOUN
hassl-3974	197	23	.	.	PUNCT
hassl-3974	198	1	4.2	4.2	NUM
hassl-3974	198	2	.	.	PUNCT
hassl-3974	198	3	discussion	discussion	NOUN
hassl-3974	198	4	the	the	DET
hassl-3974	198	5	primary	primary	ADJ
hassl-3974	198	6	objective	objective	NOUN
hassl-3974	198	7	of	of	ADP
hassl-3974	198	8	this	this	DET
hassl-3974	198	9	study	study	NOUN
hassl-3974	198	10	is	be	AUX
hassl-3974	198	11	to	to	PART
hassl-3974	198	12	evaluate	evaluate	VERB
hassl-3974	198	13	the	the	DET
hassl-3974	198	14	impact	impact	NOUN
hassl-3974	198	15	of	of	ADP
hassl-3974	198	16	financial	financial	ADJ
hassl-3974	198	17	literacy	literacy	NOUN
hassl-3974	198	18	on	on	ADP
hassl-3974	198	19	the	the	DET
hassl-3974	198	20	saving	save	VERB
hassl-3974	198	21	behavior	behavior	NOUN
hassl-3974	198	22	of	of	ADP
hassl-3974	198	23	elderly	elderly	ADJ
hassl-3974	198	24	people	people	NOUN
hassl-3974	198	25	through	through	ADP
hassl-3974	198	26	the	the	DET
hassl-3974	198	27	mediating	mediate	VERB
hassl-3974	198	28	role	role	NOUN
hassl-3974	198	29	of	of	ADP
hassl-3974	198	30	digital	digital	ADJ
hassl-3974	198	31	financial	financial	ADJ
hassl-3974	198	32	literacy	literacy	NOUN
hassl-3974	198	33	.	.	PUNCT
hassl-3974	199	1	the	the	DET
hassl-3974	199	2	research	research	NOUN
hassl-3974	199	3	findings	finding	NOUN
hassl-3974	199	4	confirm	confirm	VERB
hassl-3974	199	5	the	the	DET
hassl-3974	199	6	following	following	NOUN
hassl-3974	199	7	:	:	PUNCT
hassl-3974	199	8	firstly	firstly	ADV
hassl-3974	199	9	,	,	PUNCT
hassl-3974	199	10	financial	financial	ADJ
hassl-3974	199	11	literacy	literacy	NOUN
hassl-3974	199	12	positively	positively	ADV
hassl-3974	199	13	impacts	impact	VERB
hassl-3974	199	14	the	the	DET
hassl-3974	199	15	digital	digital	ADJ
hassl-3974	199	16	financial	financial	ADJ
hassl-3974	199	17	literacy	literacy	NOUN
hassl-3974	199	18	of	of	ADP
hassl-3974	199	19	elderly	elderly	ADJ
hassl-3974	199	20	people	people	NOUN
hassl-3974	199	21	.	.	PUNCT
hassl-3974	200	1	this	this	PRON
hassl-3974	200	2	means	mean	VERB
hassl-3974	200	3	that	that	SCONJ
hassl-3974	200	4	elderly	elderly	ADJ
hassl-3974	200	5	people	people	NOUN
hassl-3974	200	6	with	with	ADP
hassl-3974	200	7	higher	high	ADJ
hassl-3974	200	8	financial	financial	ADJ
hassl-3974	200	9	literacy	literacy	NOUN
hassl-3974	200	10	find	find	VERB
hassl-3974	200	11	it	it	PRON
hassl-3974	200	12	easier	easy	ADJ
hassl-3974	200	13	to	to	PART
hassl-3974	200	14	access	access	VERB
hassl-3974	200	15	and	and	CCONJ
hassl-3974	200	16	use	use	VERB
hassl-3974	200	17	digital	digital	ADJ
hassl-3974	200	18	financial	financial	ADJ
hassl-3974	200	19	products	product	NOUN
hassl-3974	200	20	and	and	CCONJ
hassl-3974	200	21	services	service	NOUN
hassl-3974	200	22	such	such	ADJ
hassl-3974	200	23	as	as	ADP
hassl-3974	200	24	mobile	mobile	ADJ
hassl-3974	200	25	banking	banking	NOUN
hassl-3974	200	26	and	and	CCONJ
hassl-3974	200	27	e	e	NOUN
hassl-3974	200	28	-	-	NOUN
hassl-3974	200	29	wallets	wallet	NOUN
hassl-3974	200	30	.	.	PUNCT
hassl-3974	201	1	they	they	PRON
hassl-3974	201	2	feel	feel	VERB
hassl-3974	201	3	more	more	ADV
hassl-3974	201	4	confident	confident	ADJ
hassl-3974	201	5	in	in	ADP
hassl-3974	201	6	adopting	adopt	VERB
hassl-3974	201	7	new	new	ADJ
hassl-3974	201	8	financial	financial	ADJ
hassl-3974	201	9	technologies	technology	NOUN
hassl-3974	201	10	,	,	PUNCT
hassl-3974	201	11	thereby	thereby	ADV
hassl-3974	201	12	enhancing	enhance	VERB
hassl-3974	201	13	their	their	PRON
hassl-3974	201	14	digital	digital	ADJ
hassl-3974	201	15	financial	financial	ADJ
hassl-3974	201	16	literacy	literacy	NOUN
hassl-3974	201	17	.	.	PUNCT
hassl-3974	202	1	this	this	DET
hassl-3974	202	2	result	result	NOUN
hassl-3974	202	3	is	be	AUX
hassl-3974	202	4	also	also	ADV
hassl-3974	202	5	found	find	VERB
hassl-3974	202	6	in	in	ADP
hassl-3974	202	7	the	the	DET
hassl-3974	202	8	study	study	NOUN
hassl-3974	202	9	by	by	ADP
hassl-3974	202	10	morgan	morgan	PROPN
hassl-3974	202	11	and	and	CCONJ
hassl-3974	202	12	trinh	trinh	PROPN
hassl-3974	202	13	(	(	PUNCT
hassl-3974	202	14	2020	2020	NUM
hassl-3974	202	15	)	)	PUNCT
hassl-3974	202	16	and	and	CCONJ
hassl-3974	202	17	hijir	hijir	PROPN
hassl-3974	202	18	(	(	PUNCT
hassl-3974	202	19	2022	2022	NUM
hassl-3974	202	20	)	)	PUNCT
hassl-3974	202	21	.	.	PUNCT
hassl-3974	203	1	secondly	secondly	ADV
hassl-3974	203	2	,	,	PUNCT
hassl-3974	203	3	digital	digital	ADJ
hassl-3974	203	4	financial	financial	ADJ
hassl-3974	203	5	literacy	literacy	NOUN
hassl-3974	203	6	positively	positively	ADV
hassl-3974	203	7	influences	influence	VERB
hassl-3974	203	8	the	the	DET
hassl-3974	203	9	saving	save	VERB
hassl-3974	203	10	behavior	behavior	NOUN
hassl-3974	203	11	of	of	ADP
hassl-3974	203	12	elderly	elderly	ADJ
hassl-3974	203	13	people	people	NOUN
hassl-3974	203	14	.	.	PUNCT
hassl-3974	204	1	this	this	DET
hassl-3974	204	2	relationship	relationship	NOUN
hassl-3974	204	3	is	be	AUX
hassl-3974	204	4	also	also	ADV
hassl-3974	204	5	found	find	VERB
hassl-3974	204	6	in	in	ADP
hassl-3974	204	7	research	research	NOUN
hassl-3974	204	8	conducted	conduct	VERB
hassl-3974	204	9	by	by	ADP
hassl-3974	204	10	ouma	ouma	PROPN
hassl-3974	204	11	et	et	PROPN
hassl-3974	204	12	al	al	PROPN
hassl-3974	204	13	.	.	PROPN
hassl-3974	205	1	(	(	PUNCT
hassl-3974	205	2	2017	2017	NUM
hassl-3974	205	3	)	)	PUNCT
hassl-3974	205	4	who	who	PRON
hassl-3974	205	5	stated	state	VERB
hassl-3974	205	6	that	that	SCONJ
hassl-3974	205	7	people	people	NOUN
hassl-3974	205	8	with	with	ADP
hassl-3974	205	9	access	access	NOUN
hassl-3974	205	10	to	to	ADP
hassl-3974	205	11	digital	digital	ADJ
hassl-3974	205	12	devices	device	NOUN
hassl-3974	205	13	are	be	AUX
hassl-3974	205	14	more	more	ADV
hassl-3974	205	15	likely	likely	ADJ
hassl-3974	205	16	to	to	PART
hassl-3974	205	17	open	open	VERB
hassl-3974	205	18	savings	saving	NOUN
hassl-3974	205	19	accounts	account	NOUN
hassl-3974	205	20	than	than	ADP
hassl-3974	205	21	those	those	PRON
hassl-3974	205	22	who	who	PRON
hassl-3974	205	23	do	do	VERB
hassl-3974	205	24	not	not	PART
hassl-3974	205	25	.	.	PUNCT
hassl-3974	206	1	rahayu	rahayu	PROPN
hassl-3974	206	2	et	et	PROPN
hassl-3974	206	3	al	al	PROPN
hassl-3974	206	4	.	.	PROPN
hassl-3974	207	1	(	(	PUNCT
hassl-3974	207	2	2022	2022	NUM
hassl-3974	207	3	)	)	PUNCT
hassl-3974	207	4	with	with	ADP
hassl-3974	207	5	the	the	DET
hassl-3974	207	6	research	research	NOUN
hassl-3974	207	7	findings	finding	NOUN
hassl-3974	207	8	show	show	VERB
hassl-3974	207	9	people	people	NOUN
hassl-3974	207	10	with	with	ADP
hassl-3974	207	11	a	a	DET
hassl-3974	207	12	higher	high	ADJ
hassl-3974	207	13	level	level	NOUN
hassl-3974	207	14	of	of	ADP
hassl-3974	207	15	digital	digital	ADJ
hassl-3974	207	16	financial	financial	ADJ
hassl-3974	207	17	literacy	literacy	NOUN
hassl-3974	207	18	will	will	AUX
hassl-3974	207	19	have	have	VERB
hassl-3974	207	20	better	well	ADV
hassl-3974	207	21	saving	save	VERB
hassl-3974	207	22	behavior	behavior	NOUN
hassl-3974	207	23	.	.	PUNCT
hassl-3974	208	1	nowadays	nowadays	ADV
hassl-3974	208	2	,	,	PUNCT
hassl-3974	208	3	the	the	DET
hassl-3974	208	4	use	use	NOUN
hassl-3974	208	5	of	of	ADP
hassl-3974	208	6	mobile	mobile	ADJ
hassl-3974	208	7	banking	banking	NOUN
hassl-3974	208	8	applications	application	NOUN
hassl-3974	208	9	,	,	PUNCT
hassl-3974	208	10	e	e	NOUN
hassl-3974	208	11	-	-	NOUN
hassl-3974	208	12	wallets	wallet	NOUN
hassl-3974	208	13	or	or	CCONJ
hassl-3974	208	14	online	online	ADJ
hassl-3974	208	15	investment	investment	NOUN
hassl-3974	208	16	platforms	platform	NOUN
hassl-3974	208	17	enables	enable	VERB
hassl-3974	208	18	elderly	elderly	ADJ
hassl-3974	208	19	people	people	NOUN
hassl-3974	208	20	to	to	PART
hassl-3974	208	21	easily	easily	ADV
hassl-3974	208	22	monitor	monitor	VERB
hassl-3974	208	23	and	and	CCONJ
hassl-3974	208	24	manage	manage	VERB
hassl-3974	208	25	accounts	account	NOUN
hassl-3974	208	26	and	and	CCONJ
hassl-3974	208	27	expenditures	expenditure	NOUN
hassl-3974	208	28	,	,	PUNCT
hassl-3974	208	29	and	and	CCONJ
hassl-3974	208	30	conduct	conduct	VERB
hassl-3974	208	31	financial	financial	ADJ
hassl-3974	208	32	transactions	transaction	NOUN
hassl-3974	208	33	anytime	anytime	ADV
hassl-3974	208	34	,	,	PUNCT
hassl-3974	208	35	anywhere	anywhere	ADV
hassl-3974	208	36	with	with	ADP
hassl-3974	208	37	just	just	ADV
hassl-3974	208	38	a	a	DET
hassl-3974	208	39	few	few	ADJ
hassl-3974	208	40	operations	operation	NOUN
hassl-3974	208	41	on	on	ADP
hassl-3974	208	42	their	their	PRON
hassl-3974	208	43	phones	phone	NOUN
hassl-3974	208	44	.	.	PUNCT
hassl-3974	209	1	moreover	moreover	ADV
hassl-3974	209	2	,	,	PUNCT
hassl-3974	209	3	current	current	ADJ
hassl-3974	209	4	digital	digital	ADJ
hassl-3974	209	5	financial	financial	ADJ
hassl-3974	209	6	platforms	platform	NOUN
hassl-3974	209	7	often	often	ADV
hassl-3974	209	8	integrate	integrate	VERB
hassl-3974	209	9	risk	risk	NOUN
hassl-3974	209	10	management	management	NOUN
hassl-3974	209	11	tools	tool	NOUN
hassl-3974	209	12	and	and	CCONJ
hassl-3974	209	13	provide	provide	VERB
hassl-3974	209	14	alerts	alert	NOUN
hassl-3974	209	15	for	for	ADP
hassl-3974	209	16	market	market	NOUN
hassl-3974	209	17	fluctuations	fluctuation	NOUN
hassl-3974	209	18	.	.	PUNCT
hassl-3974	210	1	this	this	PRON
hassl-3974	210	2	allows	allow	VERB
hassl-3974	210	3	elderly	elderly	ADJ
hassl-3974	210	4	people	people	NOUN
hassl-3974	210	5	to	to	PART
hassl-3974	210	6	proactively	proactively	ADV
hassl-3974	210	7	monitor	monitor	VERB
hassl-3974	210	8	and	and	CCONJ
hassl-3974	210	9	control	control	VERB
hassl-3974	210	10	investment	investment	NOUN
hassl-3974	210	11	risks	risk	NOUN
hassl-3974	210	12	,	,	PUNCT
hassl-3974	210	13	ensuring	ensure	VERB
hassl-3974	210	14	the	the	DET
hassl-3974	210	15	safety	safety	NOUN
hassl-3974	210	16	of	of	ADP
hassl-3974	210	17	their	their	PRON
hassl-3974	210	18	investment	investment	NOUN
hassl-3974	210	19	portfolios	portfolio	NOUN
hassl-3974	210	20	and	and	CCONJ
hassl-3974	210	21	income	income	NOUN
hassl-3974	210	22	.	.	PUNCT
hassl-3974	211	1	however	however	ADV
hassl-3974	211	2	,	,	PUNCT
hassl-3974	211	3	the	the	DET
hassl-3974	211	4	results	result	NOUN
hassl-3974	211	5	in	in	ADP
hassl-3974	211	6	table	table	NOUN
hassl-3974	211	7	6	6	NUM
hassl-3974	211	8	also	also	ADV
hassl-3974	211	9	suggest	suggest	VERB
hassl-3974	211	10	that	that	SCONJ
hassl-3974	211	11	the	the	DET
hassl-3974	211	12	impact	impact	NOUN
hassl-3974	211	13	of	of	ADP
hassl-3974	211	14	digital	digital	ADJ
hassl-3974	211	15	financial	financial	ADJ
hassl-3974	211	16	literacy	literacy	NOUN
hassl-3974	211	17	on	on	ADP
hassl-3974	211	18	saving	save	VERB
hassl-3974	211	19	behavior	behavior	NOUN
hassl-3974	211	20	is	be	AUX
hassl-3974	211	21	less	less	ADJ
hassl-3974	211	22	than	than	ADP
hassl-3974	211	23	that	that	PRON
hassl-3974	211	24	of	of	ADP
hassl-3974	211	25	financial	financial	ADJ
hassl-3974	211	26	literacy	literacy	NOUN
hassl-3974	211	27	.	.	PUNCT
hassl-3974	212	1	this	this	PRON
hassl-3974	212	2	could	could	AUX
hassl-3974	212	3	be	be	AUX
hassl-3974	212	4	understood	understand	VERB
hassl-3974	212	5	as	as	ADP
hassl-3974	212	6	digital	digital	ADJ
hassl-3974	212	7	humanities	humanity	NOUN
hassl-3974	212	8	and	and	CCONJ
hassl-3974	212	9	social	social	ADJ
hassl-3974	212	10	sciences	science	NOUN
hassl-3974	212	11	letters	letter	NOUN
hassl-3974	212	12	,	,	PUNCT
hassl-3974	212	13	2025	2025	NUM
hassl-3974	212	14	,	,	PUNCT
hassl-3974	212	15	13(1	13(1	NUM
hassl-3974	212	16	):	):	PUNCT
hassl-3974	212	17	45	45	NUM
hassl-3974	212	18	-	-	SYM
hassl-3974	212	19	55	55	NUM
hassl-3974	212	20	53	53	NUM
hassl-3974	212	21	©	©	PROPN
hassl-3974	212	22	2025	2025	NUM
hassl-3974	212	23	conscientia	conscientia	PROPN
hassl-3974	212	24	beam	beam	PROPN
hassl-3974	212	25	.	.	PUNCT
hassl-3974	213	1	all	all	DET
hassl-3974	213	2	rights	right	NOUN
hassl-3974	213	3	reserved	reserve	VERB
hassl-3974	213	4	.	.	PUNCT
hassl-3974	214	1	platforms	platform	NOUN
hassl-3974	214	2	for	for	ADP
hassl-3974	214	3	financial	financial	ADJ
hassl-3974	214	4	services	service	NOUN
hassl-3974	214	5	in	in	ADP
hassl-3974	214	6	vietnam	vietnam	PROPN
hassl-3974	214	7	have	have	AUX
hassl-3974	214	8	just	just	ADV
hassl-3974	214	9	developed	develop	VERB
hassl-3974	214	10	for	for	ADP
hassl-3974	214	11	a	a	DET
hassl-3974	214	12	few	few	ADJ
hassl-3974	214	13	years	year	NOUN
hassl-3974	214	14	.	.	PUNCT
hassl-3974	215	1	people	people	NOUN
hassl-3974	215	2	know	know	VERB
hassl-3974	215	3	about	about	ADP
hassl-3974	215	4	digital	digital	ADJ
hassl-3974	215	5	financial	financial	ADJ
hassl-3974	215	6	products	product	NOUN
hassl-3974	215	7	but	but	CCONJ
hassl-3974	215	8	they	they	PRON
hassl-3974	215	9	are	be	AUX
hassl-3974	215	10	sometimes	sometimes	ADV
hassl-3974	215	11	reluctant	reluctant	ADJ
hassl-3974	215	12	to	to	PART
hassl-3974	215	13	use	use	VERB
hassl-3974	215	14	them	they	PRON
hassl-3974	215	15	;	;	PUNCT
hassl-3974	215	16	they	they	PRON
hassl-3974	215	17	tend	tend	VERB
hassl-3974	215	18	to	to	PART
hassl-3974	215	19	use	use	VERB
hassl-3974	215	20	traditional	traditional	ADJ
hassl-3974	215	21	services	service	NOUN
hassl-3974	215	22	for	for	ADP
hassl-3974	215	23	their	their	PRON
hassl-3974	215	24	savings	saving	NOUN
hassl-3974	215	25	.	.	PUNCT
hassl-3974	216	1	thirdly	thirdly	ADV
hassl-3974	216	2	,	,	PUNCT
hassl-3974	216	3	there	there	PRON
hassl-3974	216	4	is	be	VERB
hassl-3974	216	5	a	a	DET
hassl-3974	216	6	significant	significant	ADJ
hassl-3974	216	7	relationship	relationship	NOUN
hassl-3974	216	8	between	between	ADP
hassl-3974	216	9	financial	financial	ADJ
hassl-3974	216	10	literacy	literacy	NOUN
hassl-3974	216	11	and	and	CCONJ
hassl-3974	216	12	saving	save	VERB
hassl-3974	216	13	behavior	behavior	NOUN
hassl-3974	216	14	in	in	ADP
hassl-3974	216	15	elderly	elderly	ADJ
hassl-3974	216	16	people	people	NOUN
hassl-3974	216	17	.	.	PUNCT
hassl-3974	217	1	this	this	DET
hassl-3974	217	2	result	result	NOUN
hassl-3974	217	3	is	be	AUX
hassl-3974	217	4	consistent	consistent	ADJ
hassl-3974	217	5	with	with	ADP
hassl-3974	217	6	previous	previous	ADJ
hassl-3974	217	7	studies	study	NOUN
hassl-3974	217	8	conducted	conduct	VERB
hassl-3974	217	9	by	by	ADP
hassl-3974	217	10	peiris	peiris	NOUN
hassl-3974	217	11	(	(	PUNCT
hassl-3974	217	12	2021	2021	NUM
hassl-3974	217	13	)	)	PUNCT
hassl-3974	217	14	and	and	CCONJ
hassl-3974	217	15	harahap	harahap	ADJ
hassl-3974	217	16	et	et	PROPN
hassl-3974	217	17	al	al	PROPN
hassl-3974	217	18	.	.	PROPN
hassl-3974	218	1	(	(	PUNCT
hassl-3974	218	2	2022	2022	NUM
hassl-3974	218	3	)	)	PUNCT
hassl-3974	218	4	.	.	PUNCT
hassl-3974	219	1	higher	high	ADJ
hassl-3974	219	2	financial	financial	ADJ
hassl-3974	219	3	literacy	literacy	NOUN
hassl-3974	219	4	helps	help	VERB
hassl-3974	219	5	elderly	elderly	ADJ
hassl-3974	219	6	people	people	NOUN
hassl-3974	219	7	better	well	ADV
hassl-3974	219	8	understand	understand	VERB
hassl-3974	219	9	the	the	DET
hassl-3974	219	10	importance	importance	NOUN
hassl-3974	219	11	of	of	ADP
hassl-3974	219	12	saving	saving	NOUN
hassl-3974	219	13	and	and	CCONJ
hassl-3974	219	14	its	its	PRON
hassl-3974	219	15	long	long	ADJ
hassl-3974	219	16	-	-	PUNCT
hassl-3974	219	17	term	term	NOUN
hassl-3974	219	18	benefits	benefit	NOUN
hassl-3974	219	19	.	.	PUNCT
hassl-3974	220	1	they	they	PRON
hassl-3974	220	2	recognize	recognize	VERB
hassl-3974	220	3	that	that	SCONJ
hassl-3974	220	4	saving	saving	NOUN
hassl-3974	220	5	is	be	AUX
hassl-3974	220	6	necessary	necessary	ADJ
hassl-3974	220	7	to	to	PART
hassl-3974	220	8	ensure	ensure	VERB
hassl-3974	220	9	financial	financial	ADJ
hassl-3974	220	10	security	security	NOUN
hassl-3974	220	11	in	in	ADP
hassl-3974	220	12	old	old	ADJ
hassl-3974	220	13	age	age	NOUN
hassl-3974	220	14	,	,	PUNCT
hassl-3974	220	15	encouraging	encourage	VERB
hassl-3974	220	16	more	more	ADJ
hassl-3974	220	17	regular	regular	ADJ
hassl-3974	220	18	saving	saving	NOUN
hassl-3974	220	19	habits	habit	NOUN
hassl-3974	220	20	.	.	PUNCT
hassl-3974	221	1	furthermore	furthermore	ADV
hassl-3974	221	2	,	,	PUNCT
hassl-3974	221	3	elderly	elderly	ADJ
hassl-3974	221	4	people	people	NOUN
hassl-3974	221	5	with	with	ADP
hassl-3974	221	6	good	good	ADJ
hassl-3974	221	7	financial	financial	ADJ
hassl-3974	221	8	literacy	literacy	NOUN
hassl-3974	221	9	know	know	VERB
hassl-3974	221	10	how	how	SCONJ
hassl-3974	221	11	to	to	PART
hassl-3974	221	12	plan	plan	VERB
hassl-3974	221	13	finances	finance	NOUN
hassl-3974	221	14	,	,	PUNCT
hassl-3974	221	15	monitor	monitor	VERB
hassl-3974	221	16	expenditures	expenditure	NOUN
hassl-3974	221	17	,	,	PUNCT
hassl-3974	221	18	and	and	CCONJ
hassl-3974	221	19	spend	spend	VERB
hassl-3974	221	20	more	more	ADV
hassl-3974	221	21	efficiently	efficiently	ADV
hassl-3974	221	22	.	.	PUNCT
hassl-3974	222	1	tight	tight	ADJ
hassl-3974	222	2	control	control	NOUN
hassl-3974	222	3	of	of	ADP
hassl-3974	222	4	spending	spending	NOUN
hassl-3974	222	5	helps	help	VERB
hassl-3974	222	6	them	they	PRON
hassl-3974	222	7	accumulate	accumulate	VERB
hassl-3974	222	8	more	more	ADJ
hassl-3974	222	9	money	money	NOUN
hassl-3974	222	10	for	for	ADP
hassl-3974	222	11	saving	save	VERB
hassl-3974	222	12	.	.	PUNCT
hassl-3974	223	1	additionally	additionally	ADV
hassl-3974	223	2	,	,	PUNCT
hassl-3974	223	3	good	good	ADJ
hassl-3974	223	4	financial	financial	ADJ
hassl-3974	223	5	literacy	literacy	NOUN
hassl-3974	223	6	also	also	ADV
hassl-3974	223	7	helps	help	VERB
hassl-3974	223	8	individuals	individual	NOUN
hassl-3974	223	9	make	make	VERB
hassl-3974	223	10	more	more	ADV
hassl-3974	223	11	appropriate	appropriate	ADJ
hassl-3974	223	12	investment	investment	NOUN
hassl-3974	223	13	decisions	decision	NOUN
hassl-3974	223	14	.	.	PUNCT
hassl-3974	224	1	they	they	PRON
hassl-3974	224	2	better	well	ADV
hassl-3974	224	3	understand	understand	VERB
hassl-3974	224	4	various	various	ADJ
hassl-3974	224	5	investment	investment	NOUN
hassl-3974	224	6	products	product	NOUN
hassl-3974	224	7	,	,	PUNCT
hassl-3974	224	8	their	their	PRON
hassl-3974	224	9	risk	risk	NOUN
hassl-3974	224	10	levels	level	NOUN
hassl-3974	224	11	and	and	CCONJ
hassl-3974	224	12	potential	potential	ADJ
hassl-3974	224	13	returns	return	NOUN
hassl-3974	224	14	.	.	PUNCT
hassl-3974	225	1	consequently	consequently	ADV
hassl-3974	225	2	,	,	PUNCT
hassl-3974	225	3	they	they	PRON
hassl-3974	225	4	can	can	AUX
hassl-3974	225	5	choose	choose	VERB
hassl-3974	225	6	investment	investment	NOUN
hassl-3974	225	7	channels	channel	NOUN
hassl-3974	225	8	that	that	PRON
hassl-3974	225	9	align	align	VERB
hassl-3974	225	10	with	with	ADP
hassl-3974	225	11	their	their	PRON
hassl-3974	225	12	objectives	objective	NOUN
hassl-3974	225	13	and	and	CCONJ
hassl-3974	225	14	risk	risk	NOUN
hassl-3974	225	15	appetite	appetite	NOUN
hassl-3974	225	16	ensuring	ensure	VERB
hassl-3974	225	17	future	future	ADJ
hassl-3974	225	18	asset	asset	NOUN
hassl-3974	225	19	and	and	CCONJ
hassl-3974	225	20	income	income	NOUN
hassl-3974	225	21	growth	growth	NOUN
hassl-3974	225	22	.	.	PUNCT
hassl-3974	226	1	in	in	ADP
hassl-3974	226	2	a	a	DET
hassl-3974	226	3	nutshell	nutshell	NOUN
hassl-3974	226	4	,	,	PUNCT
hassl-3974	226	5	this	this	DET
hassl-3974	226	6	study	study	NOUN
hassl-3974	226	7	has	have	AUX
hassl-3974	226	8	provided	provide	VERB
hassl-3974	226	9	empirical	empirical	ADJ
hassl-3974	226	10	evidence	evidence	NOUN
hassl-3974	226	11	on	on	ADP
hassl-3974	226	12	the	the	DET
hassl-3974	226	13	importance	importance	NOUN
hassl-3974	226	14	of	of	ADP
hassl-3974	226	15	financial	financial	ADJ
hassl-3974	226	16	literacy	literacy	NOUN
hassl-3974	226	17	and	and	CCONJ
hassl-3974	226	18	digital	digital	ADJ
hassl-3974	226	19	financial	financial	ADJ
hassl-3974	226	20	literacy	literacy	NOUN
hassl-3974	226	21	for	for	ADP
hassl-3974	226	22	the	the	DET
hassl-3974	226	23	saving	save	VERB
hassl-3974	226	24	behavior	behavior	NOUN
hassl-3974	226	25	of	of	ADP
hassl-3974	226	26	elderly	elderly	ADJ
hassl-3974	226	27	people	people	NOUN
hassl-3974	226	28	.	.	PUNCT
hassl-3974	227	1	these	these	DET
hassl-3974	227	2	findings	finding	NOUN
hassl-3974	227	3	have	have	VERB
hassl-3974	227	4	practical	practical	ADJ
hassl-3974	227	5	implications	implication	NOUN
hassl-3974	227	6	for	for	ADP
hassl-3974	227	7	developing	develop	VERB
hassl-3974	227	8	policies	policy	NOUN
hassl-3974	227	9	and	and	CCONJ
hassl-3974	227	10	interventions	intervention	NOUN
hassl-3974	227	11	aimed	aim	VERB
hassl-3974	227	12	at	at	ADP
hassl-3974	227	13	enhancing	enhance	VERB
hassl-3974	227	14	financial	financial	ADJ
hassl-3974	227	15	literacy	literacy	NOUN
hassl-3974	227	16	and	and	CCONJ
hassl-3974	227	17	digital	digital	ADJ
hassl-3974	227	18	skills	skill	NOUN
hassl-3974	227	19	for	for	ADP
hassl-3974	227	20	elderly	elderly	ADJ
hassl-3974	227	21	people	people	NOUN
hassl-3974	227	22	,	,	PUNCT
hassl-3974	227	23	thereby	thereby	ADV
hassl-3974	227	24	motivating	motivate	VERB
hassl-3974	227	25	saving	save	VERB
hassl-3974	227	26	behavior	behavior	NOUN
hassl-3974	227	27	and	and	CCONJ
hassl-3974	227	28	ensuring	ensure	VERB
hassl-3974	227	29	their	their	PRON
hassl-3974	227	30	financial	financial	ADJ
hassl-3974	227	31	security	security	NOUN
hassl-3974	227	32	.	.	PUNCT
hassl-3974	228	1	4.3	4.3	NUM
hassl-3974	228	2	.	.	PUNCT
hassl-3974	228	3	limitations	limitation	NOUN
hassl-3974	228	4	and	and	CCONJ
hassl-3974	228	5	further	further	ADJ
hassl-3974	228	6	research	research	NOUN
hassl-3974	228	7	directions	direction	NOUN
hassl-3974	228	8	although	although	SCONJ
hassl-3974	228	9	this	this	DET
hassl-3974	228	10	study	study	NOUN
hassl-3974	228	11	provides	provide	VERB
hassl-3974	228	12	considerable	considerable	ADJ
hassl-3974	228	13	theoretical	theoretical	ADJ
hassl-3974	228	14	and	and	CCONJ
hassl-3974	228	15	practical	practical	ADJ
hassl-3974	228	16	contributions	contribution	NOUN
hassl-3974	228	17	,	,	PUNCT
hassl-3974	228	18	certain	certain	ADJ
hassl-3974	228	19	limitations	limitation	NOUN
hassl-3974	228	20	are	be	AUX
hassl-3974	228	21	inevitable	inevitable	ADJ
hassl-3974	228	22	.	.	PUNCT
hassl-3974	229	1	data	datum	NOUN
hassl-3974	229	2	collection	collection	NOUN
hassl-3974	229	3	was	be	AUX
hassl-3974	229	4	conducted	conduct	VERB
hassl-3974	229	5	over	over	ADP
hassl-3974	229	6	only	only	ADV
hassl-3974	229	7	a	a	DET
hassl-3974	229	8	single	single	ADJ
hassl-3974	229	9	month	month	NOUN
hassl-3974	229	10	,	,	PUNCT
hassl-3974	229	11	potentially	potentially	ADV
hassl-3974	229	12	failing	fail	VERB
hassl-3974	229	13	to	to	PART
hassl-3974	229	14	fully	fully	ADV
hassl-3974	229	15	reflect	reflect	VERB
hassl-3974	229	16	the	the	DET
hassl-3974	229	17	long	long	ADJ
hassl-3974	229	18	-	-	PUNCT
hassl-3974	229	19	term	term	NOUN
hassl-3974	229	20	situation	situation	NOUN
hassl-3974	229	21	of	of	ADP
hassl-3974	229	22	the	the	DET
hassl-3974	229	23	survey	survey	NOUN
hassl-3974	229	24	and	and	CCONJ
hassl-3974	229	25	instead	instead	ADV
hassl-3974	229	26	offering	offer	VERB
hassl-3974	229	27	merely	merely	ADV
hassl-3974	229	28	a	a	DET
hassl-3974	229	29	snapshot	snapshot	NOUN
hassl-3974	229	30	during	during	ADP
hassl-3974	229	31	the	the	DET
hassl-3974	229	32	research	research	NOUN
hassl-3974	229	33	period	period	NOUN
hassl-3974	229	34	due	due	ADP
hassl-3974	229	35	to	to	ADP
hassl-3974	229	36	the	the	DET
hassl-3974	229	37	research	research	NOUN
hassl-3974	229	38	's	's	PART
hassl-3974	229	39	time	time	NOUN
hassl-3974	229	40	constraints	constraint	NOUN
hassl-3974	229	41	.	.	PUNCT
hassl-3974	230	1	secondly	secondly	ADV
hassl-3974	230	2	,	,	PUNCT
hassl-3974	230	3	the	the	DET
hassl-3974	230	4	sample	sample	NOUN
hassl-3974	230	5	size	size	NOUN
hassl-3974	230	6	of	of	ADP
hassl-3974	230	7	this	this	DET
hassl-3974	230	8	study	study	NOUN
hassl-3974	230	9	is	be	AUX
hassl-3974	230	10	relatively	relatively	ADV
hassl-3974	230	11	small	small	ADJ
hassl-3974	230	12	and	and	CCONJ
hassl-3974	230	13	restricted	restrict	VERB
hassl-3974	230	14	to	to	ADP
hassl-3974	230	15	hanoi	hanoi	PROPN
hassl-3974	230	16	,	,	PUNCT
hassl-3974	230	17	vietnam	vietnam	PROPN
hassl-3974	230	18	resulting	result	VERB
hassl-3974	230	19	in	in	ADP
hassl-3974	230	20	limited	limited	ADJ
hassl-3974	230	21	sample	sample	NOUN
hassl-3974	230	22	diversity	diversity	NOUN
hassl-3974	230	23	.	.	PUNCT
hassl-3974	231	1	the	the	DET
hassl-3974	231	2	findings	finding	NOUN
hassl-3974	231	3	may	may	AUX
hassl-3974	231	4	not	not	PART
hassl-3974	231	5	adequately	adequately	ADV
hassl-3974	231	6	capture	capture	VERB
hassl-3974	231	7	the	the	DET
hassl-3974	231	8	differences	difference	NOUN
hassl-3974	231	9	in	in	ADP
hassl-3974	231	10	perspectives	perspective	NOUN
hassl-3974	231	11	and	and	CCONJ
hassl-3974	231	12	responses	response	NOUN
hassl-3974	231	13	of	of	ADP
hassl-3974	231	14	participants	participant	NOUN
hassl-3974	231	15	from	from	ADP
hassl-3974	231	16	various	various	ADJ
hassl-3974	231	17	regions	region	NOUN
hassl-3974	231	18	.	.	PUNCT
hassl-3974	232	1	these	these	DET
hassl-3974	232	2	limitations	limitation	NOUN
hassl-3974	232	3	raise	raise	VERB
hassl-3974	232	4	questions	question	NOUN
hassl-3974	232	5	about	about	ADP
hassl-3974	232	6	the	the	DET
hassl-3974	232	7	generalizability	generalizability	NOUN
hassl-3974	232	8	of	of	ADP
hassl-3974	232	9	the	the	DET
hassl-3974	232	10	research	research	NOUN
hassl-3974	232	11	findings	finding	NOUN
hassl-3974	232	12	in	in	ADP
hassl-3974	232	13	a	a	DET
hassl-3974	232	14	broader	broad	ADJ
hassl-3974	232	15	context	context	NOUN
hassl-3974	232	16	.	.	PUNCT
hassl-3974	233	1	future	future	ADJ
hassl-3974	233	2	research	research	NOUN
hassl-3974	233	3	might	might	AUX
hassl-3974	233	4	extend	extend	VERB
hassl-3974	233	5	the	the	DET
hassl-3974	233	6	scope	scope	NOUN
hassl-3974	233	7	of	of	ADP
hassl-3974	233	8	the	the	DET
hassl-3974	233	9	research	research	NOUN
hassl-3974	233	10	to	to	PART
hassl-3974	233	11	better	well	ADV
hassl-3974	233	12	examine	examine	VERB
hassl-3974	233	13	the	the	DET
hassl-3974	233	14	relationship	relationship	NOUN
hassl-3974	233	15	between	between	ADP
hassl-3974	233	16	financial	financial	ADJ
hassl-3974	233	17	literacy	literacy	NOUN
hassl-3974	233	18	,	,	PUNCT
hassl-3974	233	19	digital	digital	ADJ
hassl-3974	233	20	financial	financial	ADJ
hassl-3974	233	21	literacy	literacy	NOUN
hassl-3974	233	22	,	,	PUNCT
hassl-3974	233	23	and	and	CCONJ
hassl-3974	233	24	the	the	DET
hassl-3974	233	25	saving	save	VERB
hassl-3974	233	26	behavior	behavior	NOUN
hassl-3974	233	27	of	of	ADP
hassl-3974	233	28	elderly	elderly	ADJ
hassl-3974	233	29	people	people	NOUN
hassl-3974	233	30	in	in	ADP
hassl-3974	233	31	vietnam	vietnam	PROPN
hassl-3974	233	32	.	.	PUNCT
hassl-3974	234	1	moreover	moreover	ADV
hassl-3974	234	2	,	,	PUNCT
hassl-3974	234	3	financial	financial	ADJ
hassl-3974	234	4	literacy	literacy	NOUN
hassl-3974	234	5	and	and	CCONJ
hassl-3974	234	6	digital	digital	ADJ
hassl-3974	234	7	financial	financial	ADJ
hassl-3974	234	8	literacy	literacy	NOUN
hassl-3974	234	9	are	be	AUX
hassl-3974	234	10	measured	measure	VERB
hassl-3974	234	11	by	by	ADP
hassl-3974	234	12	subjective	subjective	ADJ
hassl-3974	234	13	questionnaires	questionnaire	NOUN
hassl-3974	234	14	;	;	PUNCT
hassl-3974	234	15	biases	bias	NOUN
hassl-3974	234	16	might	might	AUX
hassl-3974	234	17	arise	arise	VERB
hassl-3974	234	18	during	during	ADP
hassl-3974	234	19	the	the	DET
hassl-3974	234	20	process	process	NOUN
hassl-3974	234	21	of	of	ADP
hassl-3974	234	22	designing	design	VERB
hassl-3974	234	23	and	and	CCONJ
hassl-3974	234	24	responding	respond	VERB
hassl-3974	234	25	to	to	ADP
hassl-3974	234	26	questionnaires	questionnaire	NOUN
hassl-3974	234	27	which	which	PRON
hassl-3974	234	28	could	could	AUX
hassl-3974	234	29	potentially	potentially	ADV
hassl-3974	234	30	impact	impact	VERB
hassl-3974	234	31	the	the	DET
hassl-3974	234	32	research	research	NOUN
hassl-3974	234	33	outcomes	outcome	NOUN
hassl-3974	234	34	.	.	PUNCT
hassl-3974	235	1	in	in	ADP
hassl-3974	235	2	the	the	DET
hassl-3974	235	3	future	future	NOUN
hassl-3974	235	4	,	,	PUNCT
hassl-3974	235	5	researchers	researcher	NOUN
hassl-3974	235	6	might	might	AUX
hassl-3974	235	7	design	design	VERB
hassl-3974	235	8	an	an	DET
hassl-3974	235	9	index	index	NOUN
hassl-3974	235	10	to	to	PART
hassl-3974	235	11	capture	capture	VERB
hassl-3974	235	12	financial	financial	ADJ
hassl-3974	235	13	literacy	literacy	NOUN
hassl-3974	235	14	and	and	CCONJ
hassl-3974	235	15	digital	digital	ADJ
hassl-3974	235	16	financial	financial	ADJ
hassl-3974	235	17	literacy	literacy	NOUN
hassl-3974	235	18	to	to	PART
hassl-3974	235	19	address	address	VERB
hassl-3974	235	20	this	this	DET
hassl-3974	235	21	limitation	limitation	NOUN
hassl-3974	235	22	.	.	PUNCT
hassl-3974	236	1	5	5	X
hassl-3974	236	2	.	.	X
hassl-3974	236	3	conclusion	conclusion	NOUN
hassl-3974	236	4	this	this	DET
hassl-3974	236	5	study	study	NOUN
hassl-3974	236	6	investigates	investigate	VERB
hassl-3974	236	7	the	the	DET
hassl-3974	236	8	impact	impact	NOUN
hassl-3974	236	9	of	of	ADP
hassl-3974	236	10	financial	financial	ADJ
hassl-3974	236	11	literacy	literacy	NOUN
hassl-3974	236	12	on	on	ADP
hassl-3974	236	13	saving	save	VERB
hassl-3974	236	14	behavior	behavior	NOUN
hassl-3974	236	15	examining	examine	VERB
hassl-3974	236	16	the	the	DET
hassl-3974	236	17	mediating	mediate	VERB
hassl-3974	236	18	role	role	NOUN
hassl-3974	236	19	of	of	ADP
hassl-3974	236	20	digital	digital	ADJ
hassl-3974	236	21	financial	financial	ADJ
hassl-3974	236	22	literacy	literacy	NOUN
hassl-3974	236	23	among	among	ADP
hassl-3974	236	24	individuals	individual	NOUN
hassl-3974	236	25	over	over	ADP
hassl-3974	236	26	55	55	NUM
hassl-3974	236	27	years	year	NOUN
hassl-3974	236	28	old	old	ADJ
hassl-3974	236	29	.	.	PUNCT
hassl-3974	237	1	key	key	ADJ
hassl-3974	237	2	findings	finding	NOUN
hassl-3974	237	3	reveal	reveal	VERB
hassl-3974	237	4	that	that	SCONJ
hassl-3974	237	5	financial	financial	ADJ
hassl-3974	237	6	literacy	literacy	NOUN
hassl-3974	237	7	has	have	VERB
hassl-3974	237	8	a	a	DET
hassl-3974	237	9	direct	direct	ADJ
hassl-3974	237	10	and	and	CCONJ
hassl-3974	237	11	positive	positive	ADJ
hassl-3974	237	12	effect	effect	NOUN
hassl-3974	237	13	on	on	ADP
hassl-3974	237	14	saving	save	VERB
hassl-3974	237	15	behavior	behavior	NOUN
hassl-3974	237	16	.	.	PUNCT
hassl-3974	238	1	moreover	moreover	ADV
hassl-3974	238	2	,	,	PUNCT
hassl-3974	238	3	digital	digital	ADJ
hassl-3974	238	4	financial	financial	ADJ
hassl-3974	238	5	literacy	literacy	NOUN
hassl-3974	238	6	serves	serve	VERB
hassl-3974	238	7	as	as	ADP
hassl-3974	238	8	a	a	DET
hassl-3974	238	9	significant	significant	ADJ
hassl-3974	238	10	positive	positive	ADJ
hassl-3974	238	11	mediator	mediator	NOUN
hassl-3974	238	12	in	in	ADP
hassl-3974	238	13	this	this	DET
hassl-3974	238	14	relationship	relationship	NOUN
hassl-3974	238	15	indicating	indicate	VERB
hassl-3974	238	16	that	that	SCONJ
hassl-3974	238	17	digital	digital	ADJ
hassl-3974	238	18	financial	financial	ADJ
hassl-3974	238	19	literacy	literacy	NOUN
hassl-3974	238	20	not	not	PART
hassl-3974	238	21	only	only	ADV
hassl-3974	238	22	directly	directly	ADV
hassl-3974	238	23	impacts	impact	NOUN
hassl-3974	238	24	but	but	CCONJ
hassl-3974	238	25	also	also	ADV
hassl-3974	238	26	enhances	enhance	VERB
hassl-3974	238	27	the	the	DET
hassl-3974	238	28	impact	impact	NOUN
hassl-3974	238	29	of	of	ADP
hassl-3974	238	30	financial	financial	ADJ
hassl-3974	238	31	literacy	literacy	NOUN
hassl-3974	238	32	on	on	ADP
hassl-3974	238	33	the	the	DET
hassl-3974	238	34	saving	save	VERB
hassl-3974	238	35	behavior	behavior	NOUN
hassl-3974	238	36	of	of	ADP
hassl-3974	238	37	elderly	elderly	ADJ
hassl-3974	238	38	people	people	NOUN
hassl-3974	238	39	.	.	PUNCT
hassl-3974	239	1	people	people	NOUN
hassl-3974	239	2	with	with	ADP
hassl-3974	239	3	financial	financial	ADJ
hassl-3974	239	4	knowledge	knowledge	NOUN
hassl-3974	239	5	tend	tend	VERB
hassl-3974	239	6	to	to	PART
hassl-3974	239	7	save	save	VERB
hassl-3974	239	8	more	more	ADJ
hassl-3974	239	9	,	,	PUNCT
hassl-3974	239	10	and	and	CCONJ
hassl-3974	239	11	digital	digital	ADJ
hassl-3974	239	12	financial	financial	ADJ
hassl-3974	239	13	understanding	understanding	NOUN
hassl-3974	239	14	increases	increase	VERB
hassl-3974	239	15	savings	saving	NOUN
hassl-3974	239	16	behavior	behavior	NOUN
hassl-3974	239	17	and	and	CCONJ
hassl-3974	239	18	emphasizes	emphasize	VERB
hassl-3974	239	19	the	the	DET
hassl-3974	239	20	relationship	relationship	NOUN
hassl-3974	239	21	between	between	ADP
hassl-3974	239	22	financial	financial	ADJ
hassl-3974	239	23	literacy	literacy	NOUN
hassl-3974	239	24	and	and	CCONJ
hassl-3974	239	25	savings	saving	NOUN
hassl-3974	239	26	behavior	behavior	NOUN
hassl-3974	239	27	.	.	PUNCT
hassl-3974	240	1	therefore	therefore	ADV
hassl-3974	240	2	,	,	PUNCT
hassl-3974	240	3	improving	improve	VERB
hassl-3974	240	4	individuals	individual	NOUN
hassl-3974	240	5	'	'	PART
hassl-3974	240	6	financial	financial	ADJ
hassl-3974	240	7	awareness	awareness	NOUN
hassl-3974	240	8	is	be	AUX
hassl-3974	240	9	an	an	DET
hassl-3974	240	10	effective	effective	ADJ
hassl-3974	240	11	strategy	strategy	NOUN
hassl-3974	240	12	to	to	PART
hassl-3974	240	13	increase	increase	VERB
hassl-3974	240	14	saving	save	VERB
hassl-3974	240	15	rates	rate	NOUN
hassl-3974	240	16	within	within	ADP
hassl-3974	240	17	an	an	DET
hassl-3974	240	18	economy	economy	NOUN
hassl-3974	240	19	.	.	PUNCT
hassl-3974	241	1	consequently	consequently	ADV
hassl-3974	241	2	,	,	PUNCT
hassl-3974	241	3	the	the	DET
hassl-3974	241	4	government	government	NOUN
hassl-3974	241	5	and	and	CCONJ
hassl-3974	241	6	state	state	NOUN
hassl-3974	241	7	agencies	agency	NOUN
hassl-3974	241	8	could	could	AUX
hassl-3974	241	9	collaborate	collaborate	VERB
hassl-3974	241	10	with	with	ADP
hassl-3974	241	11	commercial	commercial	ADJ
hassl-3974	241	12	banks	bank	NOUN
hassl-3974	241	13	to	to	PART
hassl-3974	241	14	implement	implement	VERB
hassl-3974	241	15	strategies	strategy	NOUN
hassl-3974	241	16	to	to	PART
hassl-3974	241	17	improve	improve	VERB
hassl-3974	241	18	financial	financial	ADJ
hassl-3974	241	19	literacy	literacy	NOUN
hassl-3974	241	20	and	and	CCONJ
hassl-3974	241	21	digital	digital	ADJ
hassl-3974	241	22	financial	financial	ADJ
hassl-3974	241	23	literacy	literacy	NOUN
hassl-3974	241	24	among	among	ADP
hassl-3974	241	25	the	the	DET
hassl-3974	241	26	elderly	elderly	ADJ
hassl-3974	241	27	leading	lead	VERB
hassl-3974	241	28	to	to	ADP
hassl-3974	241	29	improved	improved	ADJ
hassl-3974	241	30	saving	saving	NOUN
hassl-3974	241	31	behavior	behavior	NOUN
hassl-3974	241	32	in	in	ADP
hassl-3974	241	33	this	this	DET
hassl-3974	241	34	demographic	demographic	NOUN
hassl-3974	241	35	.	.	PUNCT
hassl-3974	242	1	humanities	humanity	NOUN
hassl-3974	242	2	and	and	CCONJ
hassl-3974	242	3	social	social	ADJ
hassl-3974	242	4	sciences	science	NOUN
hassl-3974	242	5	letters	letter	NOUN
hassl-3974	242	6	,	,	PUNCT
hassl-3974	242	7	2025	2025	NUM
hassl-3974	242	8	,	,	PUNCT
hassl-3974	242	9	13(1	13(1	NUM
hassl-3974	242	10	):	):	PUNCT
hassl-3974	242	11	45	45	NUM
hassl-3974	242	12	-	-	SYM
hassl-3974	242	13	55	55	NUM
hassl-3974	242	14	54	54	NUM
hassl-3974	242	15	©	©	PROPN
hassl-3974	242	16	2025	2025	NUM
hassl-3974	242	17	conscientia	conscientia	PROPN
hassl-3974	242	18	beam	beam	PROPN
hassl-3974	242	19	.	.	PUNCT
hassl-3974	243	1	all	all	DET
hassl-3974	243	2	rights	right	NOUN
hassl-3974	243	3	reserved	reserve	VERB
hassl-3974	243	4	.	.	PUNCT
hassl-3974	244	1	funding	funding	NOUN
hassl-3974	244	2	:	:	PUNCT
hassl-3974	244	3	this	this	DET
hassl-3974	244	4	research	research	NOUN
hassl-3974	244	5	is	be	AUX
hassl-3974	244	6	supported	support	VERB
hassl-3974	244	7	by	by	ADP
hassl-3974	244	8	the	the	DET
hassl-3974	244	9	banking	banking	NOUN
hassl-3974	244	10	academy	academy	PROPN
hassl-3974	244	11	of	of	ADP
hassl-3974	244	12	vietnam	vietnam	PROPN
hassl-3974	244	13	(	(	PUNCT
hassl-3974	244	14	grant	grant	PROPN
hassl-3974	244	15	number	number	NOUN
hassl-3974	244	16	:	:	PUNCT
hassl-3974	244	17	2500	2500	NUM
hassl-3974	244	18	/	/	SYM
hassl-3974	244	19	hdhvnh	hdhvnh	NOUN
hassl-3974	244	20	-	-	PUNCT
hassl-3974	244	21	vnc1	vnc1	NOUN
hassl-3974	244	22	)	)	PUNCT
hassl-3974	244	23	.	.	PUNCT
hassl-3974	245	1	institutional	institutional	ADJ
hassl-3974	245	2	review	review	PROPN
hassl-3974	245	3	board	board	NOUN
hassl-3974	245	4	statement	statement	NOUN
hassl-3974	245	5	:	:	PUNCT
hassl-3974	245	6	the	the	DET
hassl-3974	245	7	ethical	ethical	ADJ
hassl-3974	245	8	committee	committee	NOUN
hassl-3974	245	9	of	of	ADP
hassl-3974	245	10	the	the	DET
hassl-3974	245	11	banking	banking	NOUN
hassl-3974	245	12	academy	academy	PROPN
hassl-3974	245	13	of	of	ADP
hassl-3974	245	14	vietnam	vietnam	PROPN
hassl-3974	245	15	,	,	PUNCT
hassl-3974	245	16	vietnam	vietnam	PROPN
hassl-3974	245	17	has	have	AUX
hassl-3974	245	18	granted	grant	VERB
hassl-3974	245	19	approval	approval	NOUN
hassl-3974	245	20	for	for	ADP
hassl-3974	245	21	this	this	DET
hassl-3974	245	22	study	study	NOUN
hassl-3974	245	23	(	(	PUNCT
hassl-3974	245	24	ref	ref	NOUN
hassl-3974	245	25	.	.	PUNCT
hassl-3974	246	1	no	no	INTJ
hassl-3974	246	2	.	.	NOUN
hassl-3974	247	1	2795	2795	NUM
hassl-3974	247	2	/qđ	/qđ	SYM
hassl-3974	247	3	-	-	PUNCT
hassl-3974	247	4	hvnh	hvnh	NOUN
hassl-3974	247	5	)	)	PUNCT
hassl-3974	247	6	.	.	PUNCT
hassl-3974	248	1	transparency	transparency	NOUN
hassl-3974	248	2	:	:	PUNCT
hassl-3974	248	3	the	the	DET
hassl-3974	248	4	authors	author	NOUN
hassl-3974	248	5	state	state	VERB
hassl-3974	248	6	that	that	SCONJ
hassl-3974	248	7	the	the	DET
hassl-3974	248	8	manuscript	manuscript	NOUN
hassl-3974	248	9	is	be	AUX
hassl-3974	248	10	honest	honest	ADJ
hassl-3974	248	11	,	,	PUNCT
hassl-3974	248	12	truthful	truthful	ADJ
hassl-3974	248	13	,	,	PUNCT
hassl-3974	248	14	and	and	CCONJ
hassl-3974	248	15	transparent	transparent	ADJ
hassl-3974	248	16	,	,	PUNCT
hassl-3974	248	17	that	that	SCONJ
hassl-3974	248	18	no	no	DET
hassl-3974	248	19	key	key	ADJ
hassl-3974	248	20	aspects	aspect	NOUN
hassl-3974	248	21	of	of	ADP
hassl-3974	248	22	the	the	DET
hassl-3974	248	23	investigation	investigation	NOUN
hassl-3974	248	24	have	have	AUX
hassl-3974	248	25	been	be	AUX
hassl-3974	248	26	omitted	omit	VERB
hassl-3974	248	27	,	,	PUNCT
hassl-3974	248	28	and	and	CCONJ
hassl-3974	248	29	that	that	SCONJ
hassl-3974	248	30	any	any	DET
hassl-3974	248	31	differences	difference	NOUN
hassl-3974	248	32	from	from	ADP
hassl-3974	248	33	the	the	DET
hassl-3974	248	34	study	study	NOUN
hassl-3974	248	35	as	as	SCONJ
hassl-3974	248	36	planned	plan	VERB
hassl-3974	248	37	have	have	AUX
hassl-3974	248	38	been	be	AUX
hassl-3974	248	39	clarified	clarify	VERB
hassl-3974	248	40	.	.	PUNCT
hassl-3974	249	1	this	this	DET
hassl-3974	249	2	study	study	NOUN
hassl-3974	249	3	followed	follow	VERB
hassl-3974	249	4	all	all	PRON
hassl-3974	249	5	writing	write	VERB
hassl-3974	249	6	ethics	ethic	NOUN
hassl-3974	249	7	.	.	PUNCT
hassl-3974	250	1	competing	compete	VERB
hassl-3974	250	2	interests	interest	NOUN
hassl-3974	250	3	:	:	PUNCT
hassl-3974	250	4	the	the	DET
hassl-3974	250	5	authors	author	NOUN
hassl-3974	250	6	declare	declare	VERB
hassl-3974	250	7	that	that	SCONJ
hassl-3974	250	8	they	they	PRON
hassl-3974	250	9	have	have	VERB
hassl-3974	250	10	no	no	DET
hassl-3974	250	11	competing	compete	VERB
hassl-3974	250	12	interests	interest	NOUN
hassl-3974	250	13	.	.	PUNCT
hassl-3974	251	1	authors	author	NOUN
hassl-3974	251	2	’	'	PUNCT
hassl-3974	251	3	contributions	contribution	NOUN
hassl-3974	251	4	:	:	PUNCT
hassl-3974	251	5	introduction	introduction	NOUN
hassl-3974	251	6	,	,	PUNCT
hassl-3974	251	7	literature	literature	NOUN
hassl-3974	251	8	review	review	PROPN
hassl-3974	251	9	,	,	PUNCT
hassl-3974	251	10	conclusion	conclusion	NOUN
hassl-3974	251	11	:	:	PUNCT
hassl-3974	252	1	o.v.t.k	o.v.t.k	PROPN
hassl-3974	252	2	.	.	PROPN
hassl-3974	252	3	;	;	PUNCT
hassl-3974	252	4	research	research	NOUN
hassl-3974	252	5	model	model	NOUN
hassl-3974	252	6	,	,	PUNCT
hassl-3974	252	7	models	model	NOUN
hassl-3974	252	8	,	,	PUNCT
hassl-3974	252	9	result	result	NOUN
hassl-3974	252	10	discussion	discussion	NOUN
hassl-3974	252	11	,	,	PUNCT
hassl-3974	252	12	t.t.n.t	t.t.n.t	PROPN
hassl-3974	252	13	.	.	PROPN
hassl-3974	252	14	,	,	PUNCT
hassl-3974	252	15	l.d.k	l.d.k	PROPN
hassl-3974	252	16	.	.	PROPN
hassl-3974	252	17	,	,	PUNCT
hassl-3974	252	18	m.p.t.t	m.p.t.t	PROPN
hassl-3974	252	19	.	.	PROPN
hassl-3974	252	20	,	,	PUNCT
hassl-3974	252	21	q.n.t	q.n.t	NOUN
hassl-3974	252	22	.	.	PUNCT
hassl-3974	252	23	and	and	CCONJ
hassl-3974	252	24	t.n.t.m	t.n.t.m	PROPN
hassl-3974	252	25	.	.	PROPN
hassl-3974	253	1	all	all	DET
hassl-3974	253	2	authors	author	NOUN
hassl-3974	253	3	have	have	AUX
hassl-3974	253	4	read	read	VERB
hassl-3974	253	5	and	and	CCONJ
hassl-3974	253	6	agreed	agree	VERB
hassl-3974	253	7	to	to	ADP
hassl-3974	253	8	the	the	DET
hassl-3974	253	9	published	publish	VERB
hassl-3974	253	10	version	version	NOUN
hassl-3974	253	11	of	of	ADP
hassl-3974	253	12	the	the	DET
hassl-3974	253	13	manuscript	manuscript	NOUN
hassl-3974	253	14	.	.	PUNCT
hassl-3974	254	1	references	reference	NOUN
hassl-3974	254	2	abdallah	abdallah	PROPN
hassl-3974	254	3	,	,	PUNCT
hassl-3974	254	4	w.	w.	PROPN
hassl-3974	254	5	,	,	PUNCT
hassl-3974	254	6	tfaily	tfaily	ADV
hassl-3974	254	7	,	,	PUNCT
hassl-3974	254	8	f.	f.	PROPN
hassl-3974	254	9	,	,	PUNCT
hassl-3974	254	10	&	&	CCONJ
hassl-3974	254	11	harraf	harraf	NOUN
hassl-3974	254	12	,	,	PUNCT
hassl-3974	254	13	a.	a.	NOUN
hassl-3974	254	14	(	(	PUNCT
hassl-3974	254	15	2024	2024	NUM
hassl-3974	254	16	)	)	PUNCT
hassl-3974	254	17	.	.	PUNCT
hassl-3974	255	1	the	the	DET
hassl-3974	255	2	impact	impact	NOUN
hassl-3974	255	3	of	of	ADP
hassl-3974	255	4	digital	digital	ADJ
hassl-3974	255	5	financial	financial	ADJ
hassl-3974	255	6	literacy	literacy	NOUN
hassl-3974	255	7	on	on	ADP
hassl-3974	255	8	financial	financial	ADJ
hassl-3974	255	9	behavior	behavior	NOUN
hassl-3974	255	10	:	:	PUNCT
hassl-3974	255	11	customers	customer	NOUN
hassl-3974	255	12	’	'	PUNCT
hassl-3974	255	13	perspective	perspective	NOUN
hassl-3974	255	14	.	.	PUNCT
hassl-3974	256	1	competitiveness	competitiveness	NOUN
hassl-3974	256	2	review	review	PROPN
hassl-3974	256	3	:	:	PUNCT
hassl-3974	256	4	an	an	DET
hassl-3974	256	5	international	international	ADJ
hassl-3974	256	6	business	business	NOUN
hassl-3974	256	7	journal	journal	NOUN
hassl-3974	256	8	,	,	PUNCT
hassl-3974	256	9	35(2	35(2	NUM
hassl-3974	256	10	)	)	PUNCT
hassl-3974	256	11	,	,	PUNCT
hassl-3974	256	12	347	347	NUM
hassl-3974	256	13	-	-	SYM
hassl-3974	256	14	370	370	NUM
hassl-3974	256	15	.	.	PUNCT
hassl-3974	257	1	https://doi.org/10.1108/cr-112023-0297	https://doi.org/10.1108/cr-112023-0297	PROPN
hassl-3974	257	2	arnett	arnett	PROPN
hassl-3974	257	3	,	,	PUNCT
hassl-3974	257	4	d.	d.	PROPN
hassl-3974	257	5	b.	b.	PROPN
hassl-3974	257	6	,	,	PUNCT
hassl-3974	257	7	laverie	laverie	PROPN
hassl-3974	257	8	,	,	PUNCT
hassl-3974	257	9	d.	d.	PROPN
hassl-3974	257	10	a.	a.	PROPN
hassl-3974	257	11	,	,	PUNCT
hassl-3974	257	12	&	&	CCONJ
hassl-3974	257	13	meiers	meier	NOUN
hassl-3974	257	14	,	,	PUNCT
hassl-3974	257	15	a.	a.	NOUN
hassl-3974	257	16	(	(	PUNCT
hassl-3974	257	17	2003	2003	NUM
hassl-3974	257	18	)	)	PUNCT
hassl-3974	257	19	.	.	PUNCT
hassl-3974	258	1	developing	develop	VERB
hassl-3974	258	2	parsimonious	parsimonious	ADJ
hassl-3974	258	3	retailer	retailer	NOUN
hassl-3974	258	4	equity	equity	NOUN
hassl-3974	258	5	indexes	index	NOUN
hassl-3974	258	6	using	use	VERB
hassl-3974	258	7	partial	partial	ADJ
hassl-3974	258	8	least	least	ADJ
hassl-3974	258	9	squares	square	NOUN
hassl-3974	258	10	analysis	analysis	NOUN
hassl-3974	258	11	:	:	PUNCT
hassl-3974	258	12	a	a	DET
hassl-3974	258	13	method	method	NOUN
hassl-3974	258	14	and	and	CCONJ
hassl-3974	258	15	applications	application	NOUN
hassl-3974	258	16	.	.	PUNCT
hassl-3974	259	1	journal	journal	NOUN
hassl-3974	259	2	of	of	ADP
hassl-3974	259	3	retailing	retailing	NOUN
hassl-3974	259	4	,	,	PUNCT
hassl-3974	259	5	79(3	79(3	NUM
hassl-3974	259	6	)	)	PUNCT
hassl-3974	259	7	,	,	PUNCT
hassl-3974	259	8	161	161	NUM
hassl-3974	259	9	-	-	SYM
hassl-3974	259	10	170	170	NUM
hassl-3974	259	11	.	.	PUNCT
hassl-3974	260	1	https://doi.org/10.1016/s00224359(03)00036-8	https://doi.org/10.1016/s00224359(03)00036-8	PROPN
hassl-3974	260	2	atkinson	atkinson	PROPN
hassl-3974	260	3	,	,	PUNCT
hassl-3974	260	4	a.	a.	PROPN
hassl-3974	260	5	,	,	PUNCT
hassl-3974	260	6	&	&	CCONJ
hassl-3974	260	7	messy	messy	PROPN
hassl-3974	260	8	,	,	PUNCT
hassl-3974	260	9	f.	f.	PROPN
hassl-3974	260	10	(	(	PUNCT
hassl-3974	260	11	2012	2012	NUM
hassl-3974	260	12	)	)	PUNCT
hassl-3974	260	13	.	.	PUNCT
hassl-3974	261	1	measuring	measure	VERB
hassl-3974	261	2	financial	financial	ADJ
hassl-3974	261	3	literacy	literacy	NOUN
hassl-3974	261	4	:	:	PUNCT
hassl-3974	261	5	results	result	NOUN
hassl-3974	261	6	of	of	ADP
hassl-3974	261	7	the	the	DET
hassl-3974	261	8	oecd	oecd	PROPN
hassl-3974	261	9	/	/	SYM
hassl-3974	261	10	international	international	ADJ
hassl-3974	261	11	network	network	NOUN
hassl-3974	261	12	on	on	ADP
hassl-3974	261	13	financial	financial	ADJ
hassl-3974	261	14	education	education	NOUN
hassl-3974	261	15	(	(	PUNCT
hassl-3974	261	16	infe	infe	NOUN
hassl-3974	261	17	)	)	PUNCT
hassl-3974	261	18	pilot	pilot	NOUN
hassl-3974	261	19	study	study	NOUN
hassl-3974	261	20	.	.	PUNCT
hassl-3974	262	1	oecd	oecd	PROPN
hassl-3974	262	2	working	work	VERB
hassl-3974	262	3	papers	paper	NOUN
hassl-3974	262	4	on	on	ADP
hassl-3974	262	5	finance	finance	NOUN
hassl-3974	262	6	,	,	PUNCT
hassl-3974	262	7	insurance	insurance	NOUN
hassl-3974	262	8	and	and	CCONJ
hassl-3974	262	9	private	private	ADJ
hassl-3974	262	10	pensions	pension	NOUN
hassl-3974	262	11	,	,	PUNCT
hassl-3974	262	12	no	no	INTJ
hassl-3974	262	13	.	.	NOUN
hassl-3974	262	14	15	15	NUM
hassl-3974	262	15	,	,	PUNCT
hassl-3974	262	16	oecd	oecd	PROPN
hassl-3974	262	17	publishing	publishing	NOUN
hassl-3974	262	18	,	,	PUNCT
hassl-3974	262	19	paris	paris	PROPN
hassl-3974	262	20	.	.	PUNCT
hassl-3974	263	1	https://doi.org/10.1787/5k9csfs90fr4-en	https://doi.org/10.1787/5k9csfs90fr4-en	PROPN
hassl-3974	263	2	bayar	bayar	PROPN
hassl-3974	263	3	,	,	PUNCT
hassl-3974	263	4	y.	y.	PROPN
hassl-3974	263	5	,	,	PUNCT
hassl-3974	263	6	sezgin	sezgin	NOUN
hassl-3974	263	7	,	,	PUNCT
hassl-3974	263	8	h.	h.	PROPN
hassl-3974	263	9	f.	f.	PROPN
hassl-3974	263	10	,	,	PUNCT
hassl-3974	263	11	öztürk	öztürk	PROPN
hassl-3974	263	12	,	,	PUNCT
hassl-3974	263	13	ö.	ö.	PROPN
hassl-3974	263	14	f.	f.	PROPN
hassl-3974	263	15	,	,	PUNCT
hassl-3974	263	16	&	&	CCONJ
hassl-3974	263	17	şaşmaz	şaşmaz	NOUN
hassl-3974	263	18	,	,	PUNCT
hassl-3974	263	19	m.	m.	NOUN
hassl-3974	263	20	(	(	PUNCT
hassl-3974	263	21	2017	2017	NUM
hassl-3974	263	22	)	)	PUNCT
hassl-3974	263	23	.	.	PUNCT
hassl-3974	264	1	impact	impact	NOUN
hassl-3974	264	2	of	of	ADP
hassl-3974	264	3	financial	financial	ADJ
hassl-3974	264	4	literacy	literacy	NOUN
hassl-3974	264	5	on	on	ADP
hassl-3974	264	6	personal	personal	ADJ
hassl-3974	264	7	saving	saving	NOUN
hassl-3974	264	8	:	:	PUNCT
hassl-3974	264	9	a	a	DET
hassl-3974	264	10	research	research	NOUN
hassl-3974	264	11	on	on	ADP
hassl-3974	264	12	usak	usak	PROPN
hassl-3974	264	13	university	university	NOUN
hassl-3974	264	14	staff	staff	NOUN
hassl-3974	264	15	.	.	PUNCT
hassl-3974	265	1	journal	journal	PROPN
hassl-3974	265	2	of	of	ADP
hassl-3974	265	3	knowledge	knowledge	PROPN
hassl-3974	265	4	management	management	NOUN
hassl-3974	265	5	economics	economic	NOUN
hassl-3974	265	6	and	and	CCONJ
hassl-3974	265	7	information	information	NOUN
hassl-3974	265	8	technology	technology	NOUN
hassl-3974	265	9	,	,	PUNCT
hassl-3974	265	10	6(6	6(6	ADJ
hassl-3974	265	11	)	)	PUNCT
hassl-3974	265	12	,	,	PUNCT
hassl-3974	265	13	1	1	NUM
hassl-3974	265	14	-	-	SYM
hassl-3974	265	15	19	19	NUM
hassl-3974	265	16	.	.	PUNCT
hassl-3974	265	17	brucks	bruck	NOUN
hassl-3974	265	18	,	,	PUNCT
hassl-3974	265	19	m.	m.	NOUN
hassl-3974	265	20	(	(	PUNCT
hassl-3974	265	21	1985	1985	NUM
hassl-3974	265	22	)	)	PUNCT
hassl-3974	265	23	.	.	PUNCT
hassl-3974	266	1	the	the	DET
hassl-3974	266	2	effects	effect	NOUN
hassl-3974	266	3	of	of	ADP
hassl-3974	266	4	product	product	NOUN
hassl-3974	266	5	class	class	NOUN
hassl-3974	266	6	knowledge	knowledge	NOUN
hassl-3974	266	7	on	on	ADP
hassl-3974	266	8	information	information	NOUN
hassl-3974	266	9	search	search	NOUN
hassl-3974	266	10	behavior	behavior	NOUN
hassl-3974	266	11	.	.	PUNCT
hassl-3974	267	1	journal	journal	PROPN
hassl-3974	267	2	of	of	ADP
hassl-3974	267	3	consumer	consumer	NOUN
hassl-3974	267	4	research	research	NOUN
hassl-3974	267	5	,	,	PUNCT
hassl-3974	267	6	12(1	12(1	NUM
hassl-3974	267	7	)	)	PUNCT
hassl-3974	267	8	,	,	PUNCT
hassl-3974	267	9	116	116	NUM
hassl-3974	267	10	.	.	PUNCT
hassl-3974	268	1	https://doi.org/10.1086/209031	https://doi.org/10.1086/209031	PROPN
hassl-3974	268	2	chin	chin	PROPN
hassl-3974	268	3	,	,	PUNCT
hassl-3974	268	4	w.	w.	PROPN
hassl-3974	268	5	w.	w.	PROPN
hassl-3974	268	6	(	(	PUNCT
hassl-3974	268	7	1998	1998	NUM
hassl-3974	268	8	)	)	PUNCT
hassl-3974	268	9	.	.	PUNCT
hassl-3974	269	1	the	the	DET
hassl-3974	269	2	partial	partial	ADJ
hassl-3974	269	3	least	least	ADJ
hassl-3974	269	4	squares	square	NOUN
hassl-3974	269	5	approach	approach	VERB
hassl-3974	269	6	for	for	ADP
hassl-3974	269	7	structural	structural	ADJ
hassl-3974	269	8	equation	equation	NOUN
hassl-3974	269	9	modeling	modeling	NOUN
hassl-3974	269	10	in	in	ADP
hassl-3974	269	11	g.	g.	PROPN
hassl-3974	269	12	a.	a.	PROPN
hassl-3974	269	13	marcoulides	marcoulide	NOUN
hassl-3974	269	14	(	(	PUNCT
hassl-3974	269	15	eds	ed	NOUN
hassl-3974	269	16	.	.	PUNCT
hassl-3974	269	17	)	)	PUNCT
hassl-3974	270	1	modern	modern	ADJ
hassl-3974	270	2	methods	method	NOUN
hassl-3974	270	3	for	for	ADP
hassl-3974	270	4	business	business	NOUN
hassl-3974	270	5	research	research	NOUN
hassl-3974	270	6	.	.	PUNCT
hassl-3974	271	1	in	in	ADP
hassl-3974	271	2	(	(	PUNCT
hassl-3974	271	3	pp	pp	ADJ
hassl-3974	271	4	.	.	PUNCT
hassl-3974	271	5	295	295	NUM
hassl-3974	271	6	236	236	NUM
hassl-3974	271	7	)	)	PUNCT
hassl-3974	271	8	.	.	PUNCT
hassl-3974	272	1	london	london	PROPN
hassl-3974	272	2	:	:	PUNCT
hassl-3974	272	3	lawrence	lawrence	PROPN
hassl-3974	272	4	erlbaum	erlbaum	PROPN
hassl-3974	272	5	associates	associates	PROPN
hassl-3974	272	6	.	.	PUNCT
hassl-3974	273	1	fong	fong	PROPN
hassl-3974	273	2	,	,	PUNCT
hassl-3974	273	3	j.	j.	PROPN
hassl-3974	273	4	h.	h.	PROPN
hassl-3974	273	5	,	,	PUNCT
hassl-3974	273	6	koh	koh	PROPN
hassl-3974	273	7	,	,	PUNCT
hassl-3974	273	8	b.	b.	PROPN
hassl-3974	273	9	s.	s.	PROPN
hassl-3974	273	10	,	,	PUNCT
hassl-3974	273	11	mitchell	mitchell	PROPN
hassl-3974	273	12	,	,	PUNCT
hassl-3974	273	13	o.	o.	PROPN
hassl-3974	273	14	s.	s.	PROPN
hassl-3974	273	15	,	,	PUNCT
hassl-3974	273	16	&	&	CCONJ
hassl-3974	273	17	rohwedder	rohwedder	PROPN
hassl-3974	273	18	,	,	PUNCT
hassl-3974	273	19	s.	s.	PROPN
hassl-3974	273	20	(	(	PUNCT
hassl-3974	273	21	2021	2021	NUM
hassl-3974	273	22	)	)	PUNCT
hassl-3974	273	23	.	.	PUNCT
hassl-3974	274	1	financial	financial	ADJ
hassl-3974	274	2	literacy	literacy	NOUN
hassl-3974	274	3	and	and	CCONJ
hassl-3974	274	4	financial	financial	ADJ
hassl-3974	274	5	decision	decision	NOUN
hassl-3974	274	6	-	-	PUNCT
hassl-3974	274	7	making	making	NOUN
hassl-3974	274	8	at	at	ADP
hassl-3974	274	9	older	old	ADJ
hassl-3974	274	10	ages	age	NOUN
hassl-3974	274	11	.	.	PUNCT
hassl-3974	275	1	pacific	pacific	ADJ
hassl-3974	275	2	-	-	PUNCT
hassl-3974	275	3	basin	basin	NOUN
hassl-3974	275	4	finance	finance	NOUN
hassl-3974	275	5	journal	journal	NOUN
hassl-3974	275	6	,	,	PUNCT
hassl-3974	275	7	65	65	NUM
hassl-3974	275	8	,	,	PUNCT
hassl-3974	275	9	101481	101481	NUM
hassl-3974	275	10	.	.	PUNCT
hassl-3974	276	1	https://doi.org/10.1016/j.pacfin.2020.101481	https://doi.org/10.1016/j.pacfin.2020.101481	PROPN
hassl-3974	276	2	harahap	harahap	PROPN
hassl-3974	276	3	,	,	PUNCT
hassl-3974	276	4	s.	s.	PROPN
hassl-3974	276	5	,	,	PUNCT
hassl-3974	276	6	thoyib	thoyib	NOUN
hassl-3974	276	7	,	,	PUNCT
hassl-3974	276	8	a.	a.	NOUN
hassl-3974	276	9	,	,	PUNCT
hassl-3974	276	10	sumiati	sumiati	PROPN
hassl-3974	276	11	,	,	PUNCT
hassl-3974	276	12	s.	s.	PROPN
hassl-3974	276	13	,	,	PUNCT
hassl-3974	276	14	&	&	CCONJ
hassl-3974	276	15	djazuli	djazuli	PROPN
hassl-3974	276	16	,	,	PUNCT
hassl-3974	276	17	a.	a.	NOUN
hassl-3974	276	18	(	(	PUNCT
hassl-3974	276	19	2022	2022	NUM
hassl-3974	276	20	)	)	PUNCT
hassl-3974	276	21	.	.	PUNCT
hassl-3974	277	1	the	the	DET
hassl-3974	277	2	impact	impact	NOUN
hassl-3974	277	3	of	of	ADP
hassl-3974	277	4	financial	financial	ADJ
hassl-3974	277	5	literacy	literacy	NOUN
hassl-3974	277	6	on	on	ADP
hassl-3974	277	7	retirement	retirement	NOUN
hassl-3974	277	8	planning	planning	NOUN
hassl-3974	277	9	with	with	ADP
hassl-3974	277	10	serial	serial	ADJ
hassl-3974	277	11	mediation	mediation	NOUN
hassl-3974	277	12	of	of	ADP
hassl-3974	277	13	financial	financial	ADJ
hassl-3974	277	14	risk	risk	NOUN
hassl-3974	277	15	tolerance	tolerance	NOUN
hassl-3974	277	16	and	and	CCONJ
hassl-3974	277	17	saving	save	VERB
hassl-3974	277	18	behavior	behavior	NOUN
hassl-3974	277	19	:	:	PUNCT
hassl-3974	277	20	evidence	evidence	NOUN
hassl-3974	277	21	of	of	ADP
hassl-3974	277	22	medium	medium	ADJ
hassl-3974	277	23	entrepreneurs	entrepreneur	NOUN
hassl-3974	277	24	in	in	ADP
hassl-3974	277	25	indonesia	indonesia	PROPN
hassl-3974	277	26	.	.	PUNCT
hassl-3974	278	1	international	international	ADJ
hassl-3974	278	2	journal	journal	PROPN
hassl-3974	278	3	of	of	ADP
hassl-3974	278	4	financial	financial	ADJ
hassl-3974	278	5	studies	study	NOUN
hassl-3974	278	6	,	,	PUNCT
hassl-3974	278	7	10(3	10(3	NUM
hassl-3974	278	8	)	)	PUNCT
hassl-3974	278	9	,	,	PUNCT
hassl-3974	278	10	66	66	NUM
hassl-3974	278	11	.	.	PUNCT
hassl-3974	279	1	https://doi.org/10.3390/ijfs10030066	https://doi.org/10.3390/ijfs10030066	PROPN
hassl-3974	279	2	hijir	hijir	PROPN
hassl-3974	279	3	,	,	PUNCT
hassl-3974	279	4	p.	p.	PROPN
hassl-3974	279	5	s.	s.	PROPN
hassl-3974	279	6	(	(	PUNCT
hassl-3974	279	7	2022	2022	NUM
hassl-3974	279	8	)	)	PUNCT
hassl-3974	279	9	.	.	PUNCT
hassl-3974	280	1	the	the	DET
hassl-3974	280	2	influence	influence	NOUN
hassl-3974	280	3	of	of	ADP
hassl-3974	280	4	financial	financial	ADJ
hassl-3974	280	5	literacy	literacy	NOUN
hassl-3974	280	6	on	on	ADP
hassl-3974	280	7	financial	financial	ADJ
hassl-3974	280	8	behavior	behavior	NOUN
hassl-3974	280	9	with	with	ADP
hassl-3974	280	10	financial	financial	ADJ
hassl-3974	280	11	technology	technology	NOUN
hassl-3974	280	12	(	(	PUNCT
hassl-3974	280	13	fintech	fintech	NOUN
hassl-3974	280	14	)	)	PUNCT
hassl-3974	280	15	as	as	ADP
hassl-3974	280	16	an	an	DET
hassl-3974	280	17	intervening	intervene	VERB
hassl-3974	280	18	variable	variable	NOUN
hassl-3974	280	19	on	on	ADP
hassl-3974	280	20	smes	sme	NOUN
hassl-3974	280	21	in	in	ADP
hassl-3974	280	22	jambi	jambi	PROPN
hassl-3974	280	23	city	city	PROPN
hassl-3974	280	24	.	.	PUNCT
hassl-3974	281	1	jurnal	jurnal	ADJ
hassl-3974	281	2	manajemen	manajeman	NOUN
hassl-3974	281	3	terapan	terapan	PROPN
hassl-3974	281	4	dan	dan	PROPN
hassl-3974	281	5	keuangan	keuangan	PROPN
hassl-3974	281	6	,	,	PUNCT
hassl-3974	281	7	11(01	11(01	NUM
hassl-3974	281	8	)	)	PUNCT
hassl-3974	281	9	,	,	PUNCT
hassl-3974	281	10	147	147	NUM
hassl-3974	281	11	-	-	SYM
hassl-3974	281	12	156	156	NUM
hassl-3974	281	13	.	.	PUNCT
hassl-3974	282	1	https://doi.org/10.22437/jmk.v11i01.17273	https://doi.org/10.22437/jmk.v11i01.17273	PROPN
hassl-3974	282	2	kamarudin	kamarudin	PROPN
hassl-3974	282	3	,	,	PUNCT
hassl-3974	282	4	z.	z.	PROPN
hassl-3974	282	5	(	(	PUNCT
hassl-3974	282	6	2018	2018	NUM
hassl-3974	282	7	)	)	PUNCT
hassl-3974	282	8	.	.	PUNCT
hassl-3974	283	1	factors	factor	NOUN
hassl-3974	283	2	affecting	affect	VERB
hassl-3974	283	3	the	the	DET
hassl-3974	283	4	saving	save	VERB
hassl-3974	283	5	behavior	behavior	NOUN
hassl-3974	283	6	of	of	ADP
hassl-3974	283	7	taj	taj	PROPN
hassl-3974	283	8	international	international	PROPN
hassl-3974	283	9	college	college	NOUN
hassl-3974	283	10	students	student	NOUN
hassl-3974	283	11	.	.	PUNCT
hassl-3974	284	1	the	the	DET
hassl-3974	284	2	journal	journal	NOUN
hassl-3974	284	3	of	of	ADP
hassl-3974	284	4	management	management	NOUN
hassl-3974	284	5	and	and	CCONJ
hassl-3974	284	6	science	science	NOUN
hassl-3974	284	7	,	,	PUNCT
hassl-3974	284	8	4(1	4(1	NOUN
hassl-3974	284	9	)	)	PUNCT
hassl-3974	284	10	,	,	PUNCT
hassl-3974	284	11	1	1	NUM
hassl-3974	284	12	-	-	SYM
hassl-3974	284	13	15	15	NUM
hassl-3974	284	14	.	.	PUNCT
hassl-3974	285	1	kass	kass	NOUN
hassl-3974	285	2	-	-	PUNCT
hassl-3974	285	3	hanna	hanna	PROPN
hassl-3974	285	4	,	,	PUNCT
hassl-3974	285	5	j.	j.	PROPN
hassl-3974	285	6	,	,	PUNCT
hassl-3974	285	7	lyons	lyons	PROPN
hassl-3974	285	8	,	,	PUNCT
hassl-3974	285	9	a.	a.	PROPN
hassl-3974	285	10	c.	c.	PROPN
hassl-3974	285	11	,	,	PUNCT
hassl-3974	285	12	&	&	CCONJ
hassl-3974	285	13	liu	liu	PROPN
hassl-3974	285	14	,	,	PUNCT
hassl-3974	285	15	f.	f.	PROPN
hassl-3974	285	16	(	(	PUNCT
hassl-3974	285	17	2022	2022	NUM
hassl-3974	285	18	)	)	PUNCT
hassl-3974	285	19	.	.	PUNCT
hassl-3974	286	1	building	build	VERB
hassl-3974	286	2	financial	financial	ADJ
hassl-3974	286	3	resilience	resilience	NOUN
hassl-3974	286	4	through	through	ADP
hassl-3974	286	5	financial	financial	ADJ
hassl-3974	286	6	and	and	CCONJ
hassl-3974	286	7	digital	digital	ADJ
hassl-3974	286	8	literacy	literacy	NOUN
hassl-3974	286	9	in	in	ADP
hassl-3974	286	10	south	south	PROPN
hassl-3974	286	11	asia	asia	PROPN
hassl-3974	286	12	and	and	CCONJ
hassl-3974	286	13	sub	sub	ADJ
hassl-3974	286	14	-	-	ADJ
hassl-3974	286	15	saharan	saharan	ADJ
hassl-3974	286	16	africa	africa	PROPN
hassl-3974	286	17	.	.	PUNCT
hassl-3974	287	1	emerging	emerge	VERB
hassl-3974	287	2	markets	market	NOUN
hassl-3974	287	3	review	review	VERB
hassl-3974	287	4	,	,	PUNCT
hassl-3974	287	5	51	51	NUM
hassl-3974	287	6	,	,	PUNCT
hassl-3974	287	7	100846	100846	NUM
hassl-3974	287	8	.	.	PUNCT
hassl-3974	288	1	https://doi.org/10.1016/j.ememar.2021.100846	https://doi.org/10.1016/j.ememar.2021.100846	PROPN
hassl-3974	288	2	lee	lee	PROPN
hassl-3974	288	3	,	,	PUNCT
hassl-3974	288	4	j.	j.	PROPN
hassl-3974	288	5	m.	m.	PROPN
hassl-3974	288	6	,	,	PUNCT
hassl-3974	288	7	&	&	CCONJ
hassl-3974	288	8	hanna	hanna	PROPN
hassl-3974	288	9	,	,	PUNCT
hassl-3974	288	10	s.	s.	PROPN
hassl-3974	288	11	d.	d.	PROPN
hassl-3974	288	12	(	(	PUNCT
hassl-3974	288	13	2015	2015	NUM
hassl-3974	288	14	)	)	PUNCT
hassl-3974	288	15	.	.	PUNCT
hassl-3974	289	1	saving	save	VERB
hassl-3974	289	2	goals	goal	NOUN
hassl-3974	289	3	and	and	CCONJ
hassl-3974	289	4	saving	save	VERB
hassl-3974	289	5	behavior	behavior	NOUN
hassl-3974	289	6	from	from	ADP
hassl-3974	289	7	a	a	DET
hassl-3974	289	8	perspective	perspective	NOUN
hassl-3974	289	9	of	of	ADP
hassl-3974	289	10	maslow	maslow	NOUN
hassl-3974	289	11	’s	’s	PART
hassl-3974	289	12	hierarchy	hierarchy	NOUN
hassl-3974	289	13	of	of	ADP
hassl-3974	289	14	needs	need	NOUN
hassl-3974	289	15	.	.	PUNCT
hassl-3974	290	1	journal	journal	NOUN
hassl-3974	290	2	of	of	ADP
hassl-3974	290	3	financial	financial	ADJ
hassl-3974	290	4	counselling	counselling	NOUN
hassl-3974	290	5	and	and	CCONJ
hassl-3974	290	6	planning	planning	NOUN
hassl-3974	290	7	,	,	PUNCT
hassl-3974	290	8	26(2	26(2	NUM
hassl-3974	290	9	)	)	PUNCT
hassl-3974	290	10	,	,	PUNCT
hassl-3974	290	11	129	129	NUM
hassl-3974	290	12	-	-	SYM
hassl-3974	290	13	147	147	NUM
hassl-3974	290	14	.	.	PUNCT
hassl-3974	291	1	https://doi.org/10.1891/1052-3073.26.2.129	https://doi.org/10.1891/1052-3073.26.2.129	PROPN
hassl-3974	291	2	lusardi	lusardi	PROPN
hassl-3974	291	3	,	,	PUNCT
hassl-3974	291	4	a.	a.	NOUN
hassl-3974	291	5	(	(	PUNCT
hassl-3974	291	6	2019	2019	NUM
hassl-3974	291	7	)	)	PUNCT
hassl-3974	291	8	.	.	PUNCT
hassl-3974	292	1	financial	financial	ADJ
hassl-3974	292	2	literacy	literacy	NOUN
hassl-3974	292	3	and	and	CCONJ
hassl-3974	292	4	the	the	DET
hassl-3974	292	5	need	need	NOUN
hassl-3974	292	6	for	for	ADP
hassl-3974	292	7	financial	financial	ADJ
hassl-3974	292	8	education	education	NOUN
hassl-3974	292	9	:	:	PUNCT
hassl-3974	292	10	evidence	evidence	NOUN
hassl-3974	292	11	and	and	CCONJ
hassl-3974	292	12	implications	implication	NOUN
hassl-3974	292	13	.	.	PUNCT
hassl-3974	293	1	swiss	swiss	ADJ
hassl-3974	293	2	journal	journal	PROPN
hassl-3974	293	3	economics	economic	NOUN
hassl-3974	293	4	statistics	statistic	NOUN
hassl-3974	293	5	,	,	PUNCT
hassl-3974	293	6	155(1	155(1	NUM
hassl-3974	293	7	)	)	PUNCT
hassl-3974	293	8	,	,	PUNCT
hassl-3974	293	9	1	1	NUM
hassl-3974	293	10	-	-	SYM
hassl-3974	293	11	8	8	NUM
hassl-3974	293	12	.	.	PUNCT
hassl-3974	293	13	https://doi.org/10.1186/s41937-019-0027-5	https://doi.org/10.1186/s41937-019-0027-5	NUM
hassl-3974	293	14	lusardi	lusardi	PROPN
hassl-3974	293	15	,	,	PUNCT
hassl-3974	293	16	a.	a.	PROPN
hassl-3974	293	17	,	,	PUNCT
hassl-3974	293	18	&	&	CCONJ
hassl-3974	293	19	mitchell	mitchell	PROPN
hassl-3974	293	20	,	,	PUNCT
hassl-3974	293	21	o.	o.	PROPN
hassl-3974	293	22	s.	s.	PROPN
hassl-3974	293	23	(	(	PUNCT
hassl-3974	293	24	2011	2011	NUM
hassl-3974	293	25	)	)	PUNCT
hassl-3974	293	26	.	.	PUNCT
hassl-3974	294	1	financial	financial	ADJ
hassl-3974	294	2	literacy	literacy	NOUN
hassl-3974	294	3	and	and	CCONJ
hassl-3974	294	4	retirement	retirement	NOUN
hassl-3974	294	5	planning	planning	NOUN
hassl-3974	294	6	in	in	ADP
hassl-3974	294	7	the	the	DET
hassl-3974	294	8	united	united	PROPN
hassl-3974	294	9	states	states	PROPN
hassl-3974	294	10	.	.	PUNCT
hassl-3974	295	1	journal	journal	PROPN
hassl-3974	295	2	of	of	ADP
hassl-3974	295	3	pension	pension	NOUN
hassl-3974	295	4	economics	economic	NOUN
hassl-3974	295	5	&	&	CCONJ
hassl-3974	295	6	finance	finance	PROPN
hassl-3974	295	7	,	,	PUNCT
hassl-3974	295	8	10(4	10(4	NUM
hassl-3974	295	9	)	)	PUNCT
hassl-3974	295	10	,	,	PUNCT
hassl-3974	295	11	509	509	NUM
hassl-3974	295	12	-	-	SYM
hassl-3974	295	13	525	525	NUM
hassl-3974	295	14	.	.	PUNCT
hassl-3974	296	1	https://doi.org/10.3386/w17108	https://doi.org/10.3386/w17108	NUM
hassl-3974	296	2	lyons	lyon	NOUN
hassl-3974	296	3	,	,	PUNCT
hassl-3974	296	4	a.	a.	NOUN
hassl-3974	296	5	,	,	PUNCT
hassl-3974	296	6	kass	kass	NOUN
hassl-3974	296	7	-	-	PUNCT
hassl-3974	296	8	hanna	hanna	PROPN
hassl-3974	296	9	,	,	PUNCT
hassl-3974	296	10	j.	j.	PROPN
hassl-3974	296	11	,	,	PUNCT
hassl-3974	296	12	&	&	CCONJ
hassl-3974	296	13	greenlee	greenlee	PROPN
hassl-3974	296	14	,	,	PUNCT
hassl-3974	296	15	a.	a.	NOUN
hassl-3974	296	16	(	(	PUNCT
hassl-3974	296	17	2020	2020	NUM
hassl-3974	296	18	)	)	PUNCT
hassl-3974	296	19	.	.	PUNCT
hassl-3974	297	1	impacts	impact	NOUN
hassl-3974	297	2	of	of	ADP
hassl-3974	297	3	financial	financial	ADJ
hassl-3974	297	4	and	and	CCONJ
hassl-3974	297	5	digital	digital	ADJ
hassl-3974	297	6	inclusion	inclusion	NOUN
hassl-3974	297	7	on	on	ADP
hassl-3974	297	8	poverty	poverty	NOUN
hassl-3974	297	9	in	in	ADP
hassl-3974	297	10	south	south	PROPN
hassl-3974	297	11	asia	asia	PROPN
hassl-3974	297	12	and	and	CCONJ
hassl-3974	297	13	subsaharan	subsaharan	PROPN
hassl-3974	297	14	africa	africa	PROPN
hassl-3974	297	15	.	.	PUNCT
hassl-3974	298	1	available	available	ADJ
hassl-3974	298	2	at	at	ADP
hassl-3974	298	3	ssrn	ssrn	PROPN
hassl-3974	298	4	3684265	3684265	NUM
hassl-3974	298	5	.	.	PUNCT
hassl-3974	299	1	https://doi.org/10.2139/ssrn.3684265	https://doi.org/10.2139/ssrn.3684265	NOUN
hassl-3974	299	2	https://doi.org/10.1108/cr-11-2023-0297	https://doi.org/10.1108/cr-11-2023-0297	PROPN
hassl-3974	300	1	https://doi.org/10.1108/cr-11-2023-0297	https://doi.org/10.1108/cr-11-2023-0297	PROPN
hassl-3974	300	2	https://doi.org/10.1016/s0022-4359(03)00036-8	https://doi.org/10.1016/s0022-4359(03)00036-8	PROPN
hassl-3974	300	3	https://doi.org/10.1016/s0022-4359(03)00036-8	https://doi.org/10.1016/s0022-4359(03)00036-8	PROPN
hassl-3974	301	1	https://doi.org/10.1787/5k9csfs90fr4-en	https://doi.org/10.1787/5k9csfs90fr4-en	NUM
hassl-3974	301	2	https://doi.org/10.1086/209031	https://doi.org/10.1086/209031	NOUN
hassl-3974	301	3	https://doi.org/10.1016/j.pacfin.2020.101481	https://doi.org/10.1016/j.pacfin.2020.101481	PROPN
hassl-3974	301	4	https://doi.org/10.3390/ijfs10030066	https://doi.org/10.3390/ijfs10030066	PROPN
hassl-3974	301	5	https://doi.org/10.22437/jmk.v11i01.17273	https://doi.org/10.22437/jmk.v11i01.17273	PROPN
hassl-3974	301	6	https://doi.org/10.1016/j.ememar.2021.100846	https://doi.org/10.1016/j.ememar.2021.100846	PROPN
hassl-3974	301	7	https://doi.org/10.1891/1052-3073.26.2.129	https://doi.org/10.1891/1052-3073.26.2.129	PROPN
hassl-3974	301	8	https://doi.org/10.1186/s41937-019-0027-5	https://doi.org/10.1186/s41937-019-0027-5	NUM
hassl-3974	301	9	https://doi.org/10.3386/w17108	https://doi.org/10.3386/w17108	NUM
hassl-3974	301	10	https://doi.org/10.2139/ssrn.3684265	https://doi.org/10.2139/ssrn.3684265	NOUN
hassl-3974	301	11	humanities	humanity	NOUN
hassl-3974	301	12	and	and	CCONJ
hassl-3974	301	13	social	social	ADJ
hassl-3974	301	14	sciences	science	NOUN
hassl-3974	301	15	letters	letter	NOUN
hassl-3974	301	16	,	,	PUNCT
hassl-3974	301	17	2025	2025	NUM
hassl-3974	301	18	,	,	PUNCT
hassl-3974	301	19	13(1	13(1	NUM
hassl-3974	301	20	):	):	PUNCT
hassl-3974	301	21	45	45	NUM
hassl-3974	301	22	-	-	SYM
hassl-3974	301	23	55	55	NUM
hassl-3974	301	24	55	55	NUM
hassl-3974	301	25	©	©	PROPN
hassl-3974	301	26	2025	2025	NUM
hassl-3974	301	27	conscientia	conscientia	PROPN
hassl-3974	301	28	beam	beam	PROPN
hassl-3974	301	29	.	.	PUNCT
hassl-3974	302	1	all	all	DET
hassl-3974	302	2	rights	right	NOUN
hassl-3974	302	3	reserved	reserve	VERB
hassl-3974	302	4	.	.	PUNCT
hassl-3974	303	1	lyons	lyon	NOUN
hassl-3974	303	2	,	,	PUNCT
hassl-3974	303	3	a.	a.	PROPN
hassl-3974	303	4	c.	c.	PROPN
hassl-3974	303	5	,	,	PUNCT
hassl-3974	303	6	&	&	CCONJ
hassl-3974	303	7	kass‐hanna	kass‐hanna	PROPN
hassl-3974	303	8	,	,	PUNCT
hassl-3974	303	9	j.	j.	PROPN
hassl-3974	303	10	(	(	PUNCT
hassl-3974	303	11	2021	2021	NUM
hassl-3974	303	12	)	)	PUNCT
hassl-3974	303	13	.	.	PUNCT
hassl-3974	304	1	a	a	DET
hassl-3974	304	2	methodological	methodological	ADJ
hassl-3974	304	3	overview	overview	NOUN
hassl-3974	304	4	to	to	ADP
hassl-3974	304	5	defining	define	VERB
hassl-3974	304	6	and	and	CCONJ
hassl-3974	304	7	measuring	measure	VERB
hassl-3974	304	8	“	"	PUNCT
hassl-3974	304	9	digital	digital	ADJ
hassl-3974	304	10	”	"	PUNCT
hassl-3974	304	11	financial	financial	ADJ
hassl-3974	304	12	literacy	literacy	NOUN
hassl-3974	304	13	.	.	PUNCT
hassl-3974	305	1	financial	financial	ADJ
hassl-3974	305	2	planning	planning	NOUN
hassl-3974	305	3	review	review	NOUN
hassl-3974	305	4	,	,	PUNCT
hassl-3974	305	5	4(2	4(2	NUM
hassl-3974	305	6	)	)	PUNCT
hassl-3974	305	7	,	,	PUNCT
hassl-3974	305	8	e1113	e1113	PROPN
hassl-3974	305	9	.	.	PUNCT
hassl-3974	306	1	https://doi.org/10.1002/cfp2.1113	https://doi.org/10.1002/cfp2.1113	ADJ
hassl-3974	306	2	merchant	merchant	NOUN
hassl-3974	306	3	machine	machine	NOUN
hassl-3974	306	4	.	.	PUNCT
hassl-3974	307	1	(	(	PUNCT
hassl-3974	307	2	2021	2021	NUM
hassl-3974	307	3	)	)	PUNCT
hassl-3974	307	4	.	.	PUNCT
hassl-3974	308	1	the	the	DET
hassl-3974	308	2	countries	country	NOUN
hassl-3974	308	3	most	most	ADV
hassl-3974	308	4	reliant	reliant	ADJ
hassl-3974	308	5	on	on	ADP
hassl-3974	308	6	cash	cash	NOUN
hassl-3974	308	7	in	in	ADP
hassl-3974	308	8	2021	2021	NUM
hassl-3974	308	9	.	.	PUNCT
hassl-3974	309	1	retrieved	retrieve	VERB
hassl-3974	309	2	from	from	ADP
hassl-3974	309	3	https://merchantmachine.co.uk/mostreliant-on-cash/	https://merchantmachine.co.uk/mostreliant-on-cash/	PROPN
hassl-3974	309	4	michael	michael	PROPN
hassl-3974	309	5	,	,	PUNCT
hassl-3974	309	6	e.	e.	PROPN
hassl-3974	309	7	h.	h.	PROPN
hassl-3974	309	8	,	,	PUNCT
hassl-3974	309	9	hill	hill	PROPN
hassl-3974	309	10	,	,	PUNCT
hassl-3974	309	11	r.	r.	PROPN
hassl-3974	309	12	r.	r.	PROPN
hassl-3974	309	13	,	,	PUNCT
hassl-3974	309	14	&	&	CCONJ
hassl-3974	309	15	perdue	perdue	PROPN
hassl-3974	309	16	,	,	PUNCT
hassl-3974	309	17	g.	g.	PROPN
hassl-3974	309	18	(	(	PUNCT
hassl-3974	309	19	2010	2010	NUM
hassl-3974	309	20	)	)	PUNCT
hassl-3974	309	21	.	.	PUNCT
hassl-3974	310	1	school	school	NOUN
hassl-3974	310	2	of	of	ADP
hassl-3974	310	3	study	study	NOUN
hassl-3974	310	4	and	and	CCONJ
hassl-3974	310	5	financial	financial	ADJ
hassl-3974	310	6	literacy	literacy	NOUN
hassl-3974	310	7	.	.	PUNCT
hassl-3974	311	1	journal	journal	NOUN
hassl-3974	311	2	of	of	ADP
hassl-3974	311	3	economics	economic	NOUN
hassl-3974	311	4	and	and	CCONJ
hassl-3974	311	5	economic	economic	ADJ
hassl-3974	311	6	education	education	NOUN
hassl-3974	311	7	research	research	NOUN
hassl-3974	311	8	,	,	PUNCT
hassl-3974	311	9	11(3	11(3	NUM
hassl-3974	311	10	)	)	PUNCT
hassl-3974	311	11	,	,	PUNCT
hassl-3974	311	12	29	29	NUM
hassl-3974	311	13	-	-	SYM
hassl-3974	311	14	37	37	NUM
hassl-3974	311	15	.	.	PUNCT
hassl-3974	312	1	morgan	morgan	PROPN
hassl-3974	312	2	,	,	PUNCT
hassl-3974	312	3	p.	p.	PROPN
hassl-3974	312	4	j.	j.	PROPN
hassl-3974	312	5	,	,	PUNCT
hassl-3974	312	6	&	&	CCONJ
hassl-3974	312	7	trinh	trinh	PROPN
hassl-3974	312	8	,	,	PUNCT
hassl-3974	312	9	l.	l.	PROPN
hassl-3974	312	10	q.	q.	PROPN
hassl-3974	312	11	(	(	PUNCT
hassl-3974	312	12	2020	2020	NUM
hassl-3974	312	13	)	)	PUNCT
hassl-3974	312	14	.	.	PUNCT
hassl-3974	313	1	fintech	fintech	NOUN
hassl-3974	313	2	and	and	CCONJ
hassl-3974	313	3	financial	financial	ADJ
hassl-3974	313	4	literacy	literacy	NOUN
hassl-3974	313	5	in	in	ADP
hassl-3974	313	6	vietnam	vietnam	PROPN
hassl-3974	313	7	.	.	PUNCT
hassl-3974	314	1	adbi	adbi	ADJ
hassl-3974	314	2	working	work	VERB
hassl-3974	314	3	paper	paper	NOUN
hassl-3974	314	4	1154	1154	NUM
hassl-3974	314	5	.	.	PUNCT
hassl-3974	315	1	retrieved	retrieve	VERB
hassl-3974	315	2	from	from	ADP
hassl-3974	315	3	https://www.adb.org/publications/fintech-and-financial-literacy-viet-nam	https://www.adb.org/publications/fintech-and-financial-literacy-viet-nam	PROPN
hassl-3974	315	4	ouma	ouma	PROPN
hassl-3974	315	5	,	,	PUNCT
hassl-3974	315	6	s.	s.	PROPN
hassl-3974	315	7	a.	a.	PROPN
hassl-3974	315	8	,	,	PUNCT
hassl-3974	315	9	odongo	odongo	NOUN
hassl-3974	315	10	,	,	PUNCT
hassl-3974	315	11	t.	t.	NOUN
hassl-3974	315	12	m.	m.	NOUN
hassl-3974	315	13	,	,	PUNCT
hassl-3974	315	14	&	&	CCONJ
hassl-3974	315	15	were	be	AUX
hassl-3974	315	16	,	,	PUNCT
hassl-3974	315	17	m.	m.	NOUN
hassl-3974	315	18	(	(	PUNCT
hassl-3974	315	19	2017	2017	NUM
hassl-3974	315	20	)	)	PUNCT
hassl-3974	315	21	.	.	PUNCT
hassl-3974	316	1	mobile	mobile	ADJ
hassl-3974	316	2	financial	financial	ADJ
hassl-3974	316	3	services	service	NOUN
hassl-3974	316	4	and	and	CCONJ
hassl-3974	316	5	financial	financial	ADJ
hassl-3974	316	6	inclusion	inclusion	NOUN
hassl-3974	316	7	:	:	PUNCT
hassl-3974	316	8	is	be	AUX
hassl-3974	316	9	it	it	PRON
hassl-3974	316	10	a	a	DET
hassl-3974	316	11	boon	boon	NOUN
hassl-3974	316	12	for	for	ADP
hassl-3974	316	13	savings	saving	NOUN
hassl-3974	316	14	mobilization	mobilization	NOUN
hassl-3974	316	15	?	?	PUNCT
hassl-3974	317	1	review	review	NOUN
hassl-3974	317	2	of	of	ADP
hassl-3974	317	3	development	development	NOUN
hassl-3974	317	4	finance	finance	NOUN
hassl-3974	317	5	,	,	PUNCT
hassl-3974	317	6	7(1	7(1	NUM
hassl-3974	317	7	)	)	PUNCT
hassl-3974	317	8	,	,	PUNCT
hassl-3974	317	9	29	29	NUM
hassl-3974	317	10	-	-	SYM
hassl-3974	317	11	35	35	NUM
hassl-3974	317	12	.	.	PUNCT
hassl-3974	318	1	https://doi.org/10.1016/j.rdf.2017.01.001	https://doi.org/10.1016/j.rdf.2017.01.001	VERB
hassl-3974	318	2	peiris	peiris	NOUN
hassl-3974	318	3	,	,	PUNCT
hassl-3974	318	4	t.	t.	NOUN
hassl-3974	318	5	(	(	PUNCT
hassl-3974	318	6	2021	2021	NUM
hassl-3974	318	7	)	)	PUNCT
hassl-3974	318	8	.	.	PUNCT
hassl-3974	319	1	effect	effect	NOUN
hassl-3974	319	2	of	of	ADP
hassl-3974	319	3	financial	financial	ADJ
hassl-3974	319	4	literacy	literacy	NOUN
hassl-3974	319	5	on	on	ADP
hassl-3974	319	6	individual	individual	ADJ
hassl-3974	319	7	savings	saving	NOUN
hassl-3974	319	8	behavior	behavior	NOUN
hassl-3974	319	9	;	;	PUNCT
hassl-3974	319	10	the	the	DET
hassl-3974	319	11	mediation	mediation	NOUN
hassl-3974	319	12	role	role	NOUN
hassl-3974	319	13	of	of	ADP
hassl-3974	319	14	intention	intention	NOUN
hassl-3974	319	15	to	to	ADP
hassl-3974	319	16	saving	save	VERB
hassl-3974	319	17	.	.	PUNCT
hassl-3974	320	1	european	european	PROPN
hassl-3974	320	2	journal	journal	PROPN
hassl-3974	320	3	of	of	ADP
hassl-3974	320	4	business	business	NOUN
hassl-3974	320	5	and	and	CCONJ
hassl-3974	320	6	management	management	NOUN
hassl-3974	320	7	research	research	NOUN
hassl-3974	320	8	,	,	PUNCT
hassl-3974	320	9	6(5	6(5	NUM
hassl-3974	320	10	)	)	PUNCT
hassl-3974	320	11	,	,	PUNCT
hassl-3974	320	12	94	94	NUM
hassl-3974	320	13	-	-	SYM
hassl-3974	320	14	99	99	NUM
hassl-3974	320	15	.	.	PUNCT
hassl-3974	321	1	https://doi.org/10.24018/ejbmr.2021.6.5.1064	https://doi.org/10.24018/ejbmr.2021.6.5.1064	PRON
hassl-3974	321	2	prasad	prasad	PROPN
hassl-3974	321	3	,	,	PUNCT
hassl-3974	321	4	h.	h.	PROPN
hassl-3974	321	5	,	,	PUNCT
hassl-3974	321	6	meghwal	meghwal	PROPN
hassl-3974	321	7	,	,	PUNCT
hassl-3974	321	8	d.	d.	PROPN
hassl-3974	321	9	,	,	PUNCT
hassl-3974	321	10	&	&	CCONJ
hassl-3974	321	11	dayama	dayama	NOUN
hassl-3974	321	12	,	,	PUNCT
hassl-3974	321	13	v.	v.	PROPN
hassl-3974	321	14	(	(	PUNCT
hassl-3974	321	15	2018	2018	NUM
hassl-3974	321	16	)	)	PUNCT
hassl-3974	321	17	.	.	PUNCT
hassl-3974	322	1	digital	digital	ADJ
hassl-3974	322	2	financial	financial	ADJ
hassl-3974	322	3	literacy	literacy	NOUN
hassl-3974	322	4	:	:	PUNCT
hassl-3974	322	5	a	a	DET
hassl-3974	322	6	study	study	NOUN
hassl-3974	322	7	of	of	ADP
hassl-3974	322	8	households	household	NOUN
hassl-3974	322	9	of	of	ADP
hassl-3974	322	10	udaipur	udaipur	PROPN
hassl-3974	322	11	.	.	PUNCT
hassl-3974	323	1	journal	journal	PROPN
hassl-3974	323	2	of	of	ADP
hassl-3974	323	3	business	business	NOUN
hassl-3974	323	4	and	and	CCONJ
hassl-3974	323	5	management	management	NOUN
hassl-3974	323	6	,	,	PUNCT
hassl-3974	323	7	5	5	NUM
hassl-3974	323	8	,	,	PUNCT
hassl-3974	323	9	23	23	NUM
hassl-3974	323	10	-	-	SYM
hassl-3974	323	11	32	32	NUM
hassl-3974	323	12	.	.	PUNCT
hassl-3974	324	1	https://doi.org/10.3126/jbm.v5i0.27385	https://doi.org/10.3126/jbm.v5i0.27385	PROPN
hassl-3974	324	2	rahayu	rahayu	PROPN
hassl-3974	324	3	,	,	PUNCT
hassl-3974	324	4	r.	r.	PROPN
hassl-3974	324	5	,	,	PUNCT
hassl-3974	324	6	ali	ali	PROPN
hassl-3974	324	7	,	,	PUNCT
hassl-3974	324	8	s.	s.	PROPN
hassl-3974	324	9	,	,	PUNCT
hassl-3974	324	10	aulia	aulia	PROPN
hassl-3974	324	11	,	,	PUNCT
hassl-3974	324	12	a.	a.	NOUN
hassl-3974	324	13	,	,	PUNCT
hassl-3974	324	14	&	&	CCONJ
hassl-3974	324	15	hidayah	hidayah	PROPN
hassl-3974	324	16	,	,	PUNCT
hassl-3974	324	17	r.	r.	PROPN
hassl-3974	324	18	(	(	PUNCT
hassl-3974	324	19	2022	2022	NUM
hassl-3974	324	20	)	)	PUNCT
hassl-3974	324	21	.	.	PUNCT
hassl-3974	325	1	the	the	DET
hassl-3974	325	2	current	current	ADJ
hassl-3974	325	3	digital	digital	ADJ
hassl-3974	325	4	financial	financial	ADJ
hassl-3974	325	5	literacy	literacy	NOUN
hassl-3974	325	6	and	and	CCONJ
hassl-3974	325	7	financial	financial	ADJ
hassl-3974	325	8	behavior	behavior	NOUN
hassl-3974	325	9	in	in	ADP
hassl-3974	325	10	indonesian	indonesian	ADJ
hassl-3974	325	11	millennial	millennial	ADJ
hassl-3974	325	12	generation	generation	NOUN
hassl-3974	325	13	.	.	PUNCT
hassl-3974	326	1	journal	journal	NOUN
hassl-3974	326	2	of	of	ADP
hassl-3974	326	3	accounting	accounting	NOUN
hassl-3974	326	4	and	and	CCONJ
hassl-3974	326	5	investment	investment	NOUN
hassl-3974	326	6	,	,	PUNCT
hassl-3974	326	7	23(1	23(1	NOUN
hassl-3974	326	8	)	)	PUNCT
hassl-3974	326	9	,	,	PUNCT
hassl-3974	326	10	78	78	NUM
hassl-3974	326	11	-	-	SYM
hassl-3974	326	12	94	94	NUM
hassl-3974	326	13	.	.	PUNCT
hassl-3974	327	1	remund	remund	NOUN
hassl-3974	327	2	,	,	PUNCT
hassl-3974	327	3	d.	d.	PROPN
hassl-3974	327	4	l.	l.	PROPN
hassl-3974	327	5	(	(	PUNCT
hassl-3974	327	6	2010	2010	NUM
hassl-3974	327	7	)	)	PUNCT
hassl-3974	327	8	.	.	PUNCT
hassl-3974	328	1	financial	financial	ADJ
hassl-3974	328	2	literacy	literacy	NOUN
hassl-3974	328	3	explicated	explicate	VERB
hassl-3974	328	4	:	:	PUNCT
hassl-3974	328	5	the	the	DET
hassl-3974	328	6	case	case	NOUN
hassl-3974	328	7	for	for	ADP
hassl-3974	328	8	a	a	DET
hassl-3974	328	9	clearer	clear	ADJ
hassl-3974	328	10	definition	definition	NOUN
hassl-3974	328	11	in	in	ADP
hassl-3974	328	12	an	an	DET
hassl-3974	328	13	increasingly	increasingly	ADV
hassl-3974	328	14	complex	complex	ADJ
hassl-3974	328	15	economy	economy	NOUN
hassl-3974	328	16	.	.	PUNCT
hassl-3974	329	1	journal	journal	PROPN
hassl-3974	329	2	of	of	ADP
hassl-3974	329	3	consumer	consumer	NOUN
hassl-3974	329	4	affairs	affair	NOUN
hassl-3974	329	5	,	,	PUNCT
hassl-3974	329	6	44(2	44(2	NOUN
hassl-3974	329	7	)	)	PUNCT
hassl-3974	329	8	,	,	PUNCT
hassl-3974	329	9	276	276	NUM
hassl-3974	329	10	-	-	SYM
hassl-3974	329	11	295	295	NUM
hassl-3974	329	12	.	.	PUNCT
hassl-3974	330	1	https://doi.org/10.1111/j.1745-6606.2010.01169.x	https://doi.org/10.1111/j.1745-6606.2010.01169.x	PROPN
hassl-3974	330	2	sarah	sarah	PROPN
hassl-3974	330	3	,	,	PUNCT
hassl-3974	330	4	d.	d.	PROPN
hassl-3974	330	5	a.	a.	PROPN
hassl-3974	330	6	,	,	PUNCT
hassl-3974	330	7	wilmarth	wilmarth	NOUN
hassl-3974	330	8	,	,	PUNCT
hassl-3974	330	9	m.	m.	NOUN
hassl-3974	330	10	j.	j.	PROPN
hassl-3974	330	11	,	,	PUNCT
hassl-3974	330	12	seay	seay	PROPN
hassl-3974	330	13	,	,	PUNCT
hassl-3974	330	14	m.	m.	PROPN
hassl-3974	330	15	c.	c.	PROPN
hassl-3974	330	16	,	,	PUNCT
hassl-3974	330	17	archuleta	archuleta	PROPN
hassl-3974	330	18	,	,	PUNCT
hassl-3974	330	19	k.	k.	PROPN
hassl-3974	330	20	,	,	PUNCT
hassl-3974	330	21	brase	brase	PROPN
hassl-3974	330	22	,	,	PUNCT
hassl-3974	330	23	g.	g.	PROPN
hassl-3974	330	24	l.	l.	PROPN
hassl-3974	330	25	,	,	PUNCT
hassl-3974	330	26	&	&	CCONJ
hassl-3974	330	27	macdonald	macdonald	PROPN
hassl-3974	330	28	,	,	PUNCT
hassl-3974	330	29	m.	m.	NOUN
hassl-3974	330	30	(	(	PUNCT
hassl-3974	330	31	2019	2019	NUM
hassl-3974	330	32	)	)	PUNCT
hassl-3974	330	33	.	.	PUNCT
hassl-3974	331	1	personality	personality	NOUN
hassl-3974	331	2	and	and	CCONJ
hassl-3974	331	3	saving	save	VERB
hassl-3974	331	4	behavior	behavior	NOUN
hassl-3974	331	5	among	among	ADP
hassl-3974	331	6	older	old	ADJ
hassl-3974	331	7	adults	adult	NOUN
hassl-3974	331	8	.	.	PUNCT
hassl-3974	332	1	journal	journal	NOUN
hassl-3974	332	2	of	of	ADP
hassl-3974	332	3	consumer	consumer	NOUN
hassl-3974	332	4	affairs	affair	NOUN
hassl-3974	332	5	,	,	PUNCT
hassl-3974	332	6	53(2	53(2	NUM
hassl-3974	332	7	)	)	PUNCT
hassl-3974	332	8	,	,	PUNCT
hassl-3974	332	9	488	488	NUM
hassl-3974	332	10	-	-	SYM
hassl-3974	332	11	519	519	NUM
hassl-3974	332	12	.	.	PUNCT
hassl-3974	333	1	https://doi.org/10.1111/joca.12199	https://doi.org/10.1111/joca.12199	X
hassl-3974	333	2	setiawan	setiawan	PROPN
hassl-3974	333	3	,	,	PUNCT
hassl-3974	333	4	m.	m.	NOUN
hassl-3974	333	5	,	,	PUNCT
hassl-3974	333	6	effendi	effendi	X
hassl-3974	333	7	,	,	PUNCT
hassl-3974	333	8	n.	n.	NOUN
hassl-3974	333	9	,	,	PUNCT
hassl-3974	333	10	santoso	santoso	NOUN
hassl-3974	333	11	,	,	PUNCT
hassl-3974	333	12	t.	t.	PROPN
hassl-3974	333	13	,	,	PUNCT
hassl-3974	333	14	dewi	dewi	PROPN
hassl-3974	333	15	,	,	PUNCT
hassl-3974	333	16	v.	v.	PROPN
hassl-3974	333	17	i.	i.	PROPN
hassl-3974	333	18	,	,	PUNCT
hassl-3974	333	19	&	&	CCONJ
hassl-3974	333	20	sapulette	sapulette	PROPN
hassl-3974	333	21	,	,	PUNCT
hassl-3974	333	22	m.	m.	NOUN
hassl-3974	333	23	s.	s.	PROPN
hassl-3974	333	24	(	(	PUNCT
hassl-3974	333	25	2022	2022	NUM
hassl-3974	333	26	)	)	PUNCT
hassl-3974	333	27	.	.	PUNCT
hassl-3974	334	1	digital	digital	ADJ
hassl-3974	334	2	financial	financial	ADJ
hassl-3974	334	3	literacy	literacy	NOUN
hassl-3974	334	4	,	,	PUNCT
hassl-3974	334	5	current	current	ADJ
hassl-3974	334	6	behavior	behavior	NOUN
hassl-3974	334	7	of	of	ADP
hassl-3974	334	8	saving	saving	NOUN
hassl-3974	334	9	and	and	CCONJ
hassl-3974	334	10	spending	spending	NOUN
hassl-3974	334	11	and	and	CCONJ
hassl-3974	334	12	its	its	PRON
hassl-3974	334	13	future	future	ADJ
hassl-3974	334	14	foresight	foresight	NOUN
hassl-3974	334	15	.	.	PUNCT
hassl-3974	335	1	economics	economic	NOUN
hassl-3974	335	2	of	of	ADP
hassl-3974	335	3	innovation	innovation	NOUN
hassl-3974	335	4	and	and	CCONJ
hassl-3974	335	5	new	new	ADJ
hassl-3974	335	6	technology	technology	NOUN
hassl-3974	335	7	,	,	PUNCT
hassl-3974	335	8	31(4	31(4	NUM
hassl-3974	335	9	)	)	PUNCT
hassl-3974	335	10	,	,	PUNCT
hassl-3974	335	11	320	320	NUM
hassl-3974	335	12	-	-	SYM
hassl-3974	335	13	338	338	NUM
hassl-3974	335	14	.	.	PUNCT
hassl-3974	336	1	https://doi.org/10.1080/10438599.2020.1799142	https://doi.org/10.1080/10438599.2020.1799142	PROPN
hassl-3974	336	2	shaikh	shaikh	PROPN
hassl-3974	336	3	,	,	PUNCT
hassl-3974	336	4	a.	a.	NOUN
hassl-3974	336	5	a.	a.	PROPN
hassl-3974	336	6	,	,	PUNCT
hassl-3974	336	7	alamoudi	alamoudi	PROPN
hassl-3974	336	8	,	,	PUNCT
hassl-3974	336	9	h.	h.	PROPN
hassl-3974	336	10	,	,	PUNCT
hassl-3974	336	11	alharthi	alharthi	PROPN
hassl-3974	336	12	,	,	PUNCT
hassl-3974	336	13	m.	m.	NOUN
hassl-3974	336	14	,	,	PUNCT
hassl-3974	336	15	&	&	CCONJ
hassl-3974	336	16	glavee	glavee	PROPN
hassl-3974	336	17	-	-	PUNCT
hassl-3974	336	18	geo	geo	PROPN
hassl-3974	336	19	,	,	PUNCT
hassl-3974	336	20	r.	r.	PROPN
hassl-3974	336	21	(	(	PUNCT
hassl-3974	336	22	2022	2022	NUM
hassl-3974	336	23	)	)	PUNCT
hassl-3974	336	24	.	.	PUNCT
hassl-3974	337	1	advances	advance	NOUN
hassl-3974	337	2	in	in	ADP
hassl-3974	337	3	mobile	mobile	ADJ
hassl-3974	337	4	financial	financial	ADJ
hassl-3974	337	5	services	service	NOUN
hassl-3974	337	6	:	:	PUNCT
hassl-3974	337	7	a	a	DET
hassl-3974	337	8	review	review	NOUN
hassl-3974	337	9	of	of	ADP
hassl-3974	337	10	the	the	DET
hassl-3974	337	11	literature	literature	NOUN
hassl-3974	337	12	and	and	CCONJ
hassl-3974	337	13	future	future	ADJ
hassl-3974	337	14	research	research	NOUN
hassl-3974	337	15	directions	direction	NOUN
hassl-3974	337	16	.	.	PUNCT
hassl-3974	338	1	international	international	ADJ
hassl-3974	338	2	journal	journal	PROPN
hassl-3974	338	3	of	of	ADP
hassl-3974	338	4	bank	bank	PROPN
hassl-3974	338	5	marketing	marketing	NOUN
hassl-3974	338	6	,	,	PUNCT
hassl-3974	338	7	41(1	41(1	NUM
hassl-3974	338	8	)	)	PUNCT
hassl-3974	338	9	,	,	PUNCT
hassl-3974	338	10	1	1	NUM
hassl-3974	338	11	-	-	SYM
hassl-3974	338	12	33	33	NUM
hassl-3974	338	13	.	.	PUNCT
hassl-3974	339	1	https://doi.org/10.1108/ijbm-06-2021-0230	https://doi.org/10.1108/ijbm-06-2021-0230	PROPN
hassl-3974	339	2	vigneron	vigneron	PROPN
hassl-3974	339	3	,	,	PUNCT
hassl-3974	339	4	f.	f.	PROPN
hassl-3974	339	5	,	,	PUNCT
hassl-3974	339	6	&	&	CCONJ
hassl-3974	339	7	johnson	johnson	PROPN
hassl-3974	339	8	,	,	PUNCT
hassl-3974	339	9	l.	l.	PROPN
hassl-3974	339	10	w.	w.	PROPN
hassl-3974	339	11	(	(	PUNCT
hassl-3974	339	12	1999	1999	NUM
hassl-3974	339	13	)	)	PUNCT
hassl-3974	339	14	.	.	PUNCT
hassl-3974	340	1	a	a	DET
hassl-3974	340	2	review	review	NOUN
hassl-3974	340	3	and	and	CCONJ
hassl-3974	340	4	a	a	DET
hassl-3974	340	5	conceptual	conceptual	ADJ
hassl-3974	340	6	framework	framework	NOUN
hassl-3974	340	7	of	of	ADP
hassl-3974	340	8	prestige	prestige	NOUN
hassl-3974	340	9	-	-	PUNCT
hassl-3974	340	10	seeking	seek	VERB
hassl-3974	340	11	consumer	consumer	NOUN
hassl-3974	340	12	behavior	behavior	NOUN
hassl-3974	340	13	.	.	PUNCT
hassl-3974	341	1	academy	academy	PROPN
hassl-3974	341	2	of	of	ADP
hassl-3974	341	3	marketing	marketing	PROPN
hassl-3974	341	4	science	science	NOUN
hassl-3974	341	5	review	review	NOUN
hassl-3974	341	6	,	,	PUNCT
hassl-3974	341	7	1(1	1(1	NUM
hassl-3974	341	8	)	)	PUNCT
hassl-3974	341	9	,	,	PUNCT
hassl-3974	341	10	1	1	NUM
hassl-3974	341	11	-	-	SYM
hassl-3974	341	12	15	15	NUM
hassl-3974	341	13	.	.	PUNCT
hassl-3974	341	14	views	view	NOUN
hassl-3974	341	15	and	and	CCONJ
hassl-3974	341	16	opinions	opinion	NOUN
hassl-3974	341	17	expressed	express	VERB
hassl-3974	341	18	in	in	ADP
hassl-3974	341	19	this	this	DET
hassl-3974	341	20	article	article	NOUN
hassl-3974	341	21	are	be	AUX
hassl-3974	341	22	the	the	DET
hassl-3974	341	23	views	view	NOUN
hassl-3974	341	24	and	and	CCONJ
hassl-3974	341	25	opinions	opinion	NOUN
hassl-3974	341	26	of	of	ADP
hassl-3974	341	27	the	the	DET
hassl-3974	341	28	author(s	author(s	NOUN
hassl-3974	341	29	)	)	PUNCT
hassl-3974	341	30	,	,	PUNCT
hassl-3974	341	31	humanities	humanity	NOUN
hassl-3974	341	32	and	and	CCONJ
hassl-3974	341	33	social	social	ADJ
hassl-3974	341	34	sciences	science	NOUN
hassl-3974	341	35	letters	letter	NOUN
hassl-3974	341	36	shall	shall	AUX
hassl-3974	341	37	not	not	PART
hassl-3974	341	38	be	be	AUX
hassl-3974	341	39	responsible	responsible	ADJ
hassl-3974	341	40	or	or	CCONJ
hassl-3974	341	41	answerable	answerable	ADJ
hassl-3974	341	42	for	for	ADP
hassl-3974	341	43	any	any	DET
hassl-3974	341	44	loss	loss	NOUN
hassl-3974	341	45	,	,	PUNCT
hassl-3974	341	46	damage	damage	NOUN
hassl-3974	341	47	or	or	CCONJ
hassl-3974	341	48	liability	liability	NOUN
hassl-3974	341	49	etc	etc	X
hassl-3974	341	50	.	.	X
hassl-3974	342	1	caused	cause	VERB
hassl-3974	342	2	in	in	ADP
hassl-3974	342	3	relation	relation	NOUN
hassl-3974	342	4	to	to	PART
hassl-3974	342	5	/	/	PUNCT
hassl-3974	342	6	arising	arise	VERB
hassl-3974	342	7	out	out	ADP
hassl-3974	342	8	of	of	ADP
hassl-3974	342	9	the	the	DET
hassl-3974	342	10	use	use	NOUN
hassl-3974	342	11	of	of	ADP
hassl-3974	342	12	the	the	DET
hassl-3974	342	13	content	content	NOUN
hassl-3974	342	14	.	.	PUNCT
hassl-3974	343	1	https://doi.org/10.1002/cfp2.1113	https://doi.org/10.1002/cfp2.1113	PROPN
hassl-3974	343	2	https://merchantmachine.co.uk/most-reliant-on-cash/	https://merchantmachine.co.uk/most-reliant-on-cash/	NOUN
hassl-3974	343	3	https://merchantmachine.co.uk/most-reliant-on-cash/	https://merchantmachine.co.uk/most-reliant-on-cash/	NOUN
hassl-3974	344	1	https://www.adb.org/publications/fintech-and-financial-literacy-viet-nam	https://www.adb.org/publications/fintech-and-financial-literacy-viet-nam	PROPN
hassl-3974	344	2	https://doi.org/10.1016/j.rdf.2017.01.001	https://doi.org/10.1016/j.rdf.2017.01.001	VERB
hassl-3974	344	3	https://doi.org/10.24018/ejbmr.2021.6.5.1064	https://doi.org/10.24018/ejbmr.2021.6.5.1064	NOUN
hassl-3974	344	4	https://doi.org/10.3126/jbm.v5i0.27385	https://doi.org/10.3126/jbm.v5i0.27385	PROPN
hassl-3974	344	5	https://doi.org/10.1111/j.1745-6606.2010.01169.x	https://doi.org/10.1111/j.1745-6606.2010.01169.x	ADJ
hassl-3974	344	6	https://doi.org/10.1111/joca.12199	https://doi.org/10.1111/joca.12199	VERB
hassl-3974	344	7	https://doi.org/10.1080/10438599.2020.1799142	https://doi.org/10.1080/10438599.2020.1799142	PROPN
hassl-3974	344	8	https://doi.org/10.1108/ijbm-06-2021-0230	https://doi.org/10.1108/ijbm-06-2021-0230	X