id	sid	tid	token	lemma	pos
hassl-4116	1	1	409	409	NUM
hassl-4116	1	2	©	©	PROPN
hassl-4116	1	3	2025	2025	NUM
hassl-4116	1	4	conscientia	conscientia	PROPN
hassl-4116	1	5	beam	beam	PROPN
hassl-4116	1	6	.	.	PUNCT
hassl-4116	2	1	all	all	DET
hassl-4116	2	2	rights	right	NOUN
hassl-4116	2	3	reserved	reserve	VERB
hassl-4116	2	4	.	.	PUNCT
hassl-4116	3	1	investigating	investigate	VERB
hassl-4116	3	2	factors	factor	NOUN
hassl-4116	3	3	influencing	influence	VERB
hassl-4116	3	4	the	the	DET
hassl-4116	3	5	continuity	continuity	NOUN
hassl-4116	3	6	of	of	ADP
hassl-4116	3	7	financial	financial	ADJ
hassl-4116	3	8	technology	technology	NOUN
hassl-4116	3	9	usage	usage	NOUN
hassl-4116	3	10	:	:	PUNCT
hassl-4116	3	11	the	the	DET
hassl-4116	3	12	case	case	NOUN
hassl-4116	3	13	of	of	ADP
hassl-4116	3	14	indonesia	indonesia	PROPN
hassl-4116	3	15	henryanto	henryanto	PROPN
hassl-4116	3	16	wijaya1	wijaya1	PROPN
hassl-4116	3	17	carunia	carunia	PROPN
hassl-4116	3	18	mulya	mulya	NOUN
hassl-4116	3	19	firdausy2	firdausy2	PROPN
hassl-4116	3	20	+	+	CCONJ
hassl-4116	3	21	indra	indra	NOUN
hassl-4116	3	22	widjaja3	widjaja3	PROPN
hassl-4116	4	1	hadi	hadi	PROPN
hassl-4116	4	2	cahyadi4	cahyadi4	PROPN
hassl-4116	4	3	1,4faculty	1,4faculty	NUM
hassl-4116	4	4	of	of	ADP
hassl-4116	4	5	economics	economic	NOUN
hassl-4116	4	6	and	and	CCONJ
hassl-4116	4	7	business	business	NOUN
hassl-4116	4	8	,	,	PUNCT
hassl-4116	4	9	universitas	universita	NOUN
hassl-4116	4	10	tarumanagara	tarumanagara	PROPN
hassl-4116	4	11	,	,	PUNCT
hassl-4116	4	12	jakarta	jakarta	PROPN
hassl-4116	4	13	,	,	PUNCT
hassl-4116	4	14	indonesia	indonesia	PROPN
hassl-4116	4	15	.	.	PUNCT
hassl-4116	5	1	1email	1email	NUM
hassl-4116	5	2	:	:	PUNCT
hassl-4116	5	3	henryantow@fe.untar.ac.id	henryantow@fe.untar.ac.id	NOUN
hassl-4116	5	4	4email	4email	NOUN
hassl-4116	5	5	:	:	PUNCT
hassl-4116	5	6	hadic@fe.untar.ac.id	hadic@fe.untar.ac.id	PROPN
hassl-4116	5	7	2faculty	2faculty	NUM
hassl-4116	5	8	of	of	ADP
hassl-4116	5	9	economics	economic	NOUN
hassl-4116	5	10	and	and	CCONJ
hassl-4116	5	11	business	business	NOUN
hassl-4116	5	12	,	,	PUNCT
hassl-4116	5	13	universitas	universita	NOUN
hassl-4116	5	14	tarumanagara	tarumanagara	PROPN
hassl-4116	5	15	,	,	PUNCT
hassl-4116	5	16	and	and	CCONJ
hassl-4116	5	17	national	national	ADJ
hassl-4116	5	18	research	research	NOUN
hassl-4116	5	19	and	and	CCONJ
hassl-4116	5	20	innovation	innovation	NOUN
hassl-4116	5	21	agency	agency	NOUN
hassl-4116	5	22	,	,	PUNCT
hassl-4116	5	23	jakarta	jakarta	PROPN
hassl-4116	5	24	,	,	PUNCT
hassl-4116	5	25	indonesia	indonesia	PROPN
hassl-4116	5	26	.	.	PUNCT
hassl-4116	6	1	2email	2email	NUM
hassl-4116	6	2	:	:	PUNCT
hassl-4116	7	1	cmfirdausy@gmail.com	cmfirdausy@gmail.com	X
hassl-4116	8	1	3universitas	3universitas	NUM
hassl-4116	8	2	tarumanagara	tarumanagara	PROPN
hassl-4116	8	3	,	,	PUNCT
hassl-4116	8	4	jakarta	jakarta	PROPN
hassl-4116	8	5	,	,	PUNCT
hassl-4116	8	6	indonesia	indonesia	PROPN
hassl-4116	8	7	.	.	PUNCT
hassl-4116	9	1	3email	3email	NUM
hassl-4116	9	2	:	:	PUNCT
hassl-4116	9	3	indraw9393@gmail.com	indraw9393@gmail.com	X
hassl-4116	10	1	(	(	PUNCT
hassl-4116	10	2	+	+	NUM
hassl-4116	10	3	corresponding	correspond	VERB
hassl-4116	10	4	author	author	NOUN
hassl-4116	10	5	)	)	PUNCT
hassl-4116	10	6	abstract	abstract	ADJ
hassl-4116	10	7	article	article	NOUN
hassl-4116	10	8	history	history	NOUN
hassl-4116	10	9	received	receive	VERB
hassl-4116	10	10	:	:	PUNCT
hassl-4116	10	11	5	5	NUM
hassl-4116	10	12	december	december	PROPN
hassl-4116	10	13	2024	2024	NUM
hassl-4116	10	14	revised	revise	VERB
hassl-4116	10	15	:	:	PUNCT
hassl-4116	10	16	29	29	NUM
hassl-4116	10	17	january	january	PROPN
hassl-4116	10	18	2025	2025	NUM
hassl-4116	10	19	accepted	accept	VERB
hassl-4116	10	20	:	:	PUNCT
hassl-4116	10	21	18	18	NUM
hassl-4116	10	22	february	february	NOUN
hassl-4116	10	23	2025	2025	NUM
hassl-4116	10	24	published	publish	VERB
hassl-4116	10	25	:	:	PUNCT
hassl-4116	10	26	4	4	NUM
hassl-4116	10	27	march	march	NOUN
hassl-4116	10	28	2025	2025	NUM
hassl-4116	10	29	keywords	keyword	VERB
hassl-4116	10	30	digital	digital	ADJ
hassl-4116	10	31	financial	financial	ADJ
hassl-4116	10	32	literacy	literacy	NOUN
hassl-4116	10	33	fintech	fintech	NOUN
hassl-4116	10	34	usage	usage	NOUN
hassl-4116	10	35	adoption	adoption	NOUN
hassl-4116	10	36	fintech	fintech	NOUN
hassl-4116	10	37	usage	usage	NOUN
hassl-4116	10	38	continuity	continuity	NOUN
hassl-4116	10	39	perceived	perceive	VERB
hassl-4116	10	40	benefit	benefit	NOUN
hassl-4116	10	41	perceived	perceive	VERB
hassl-4116	10	42	ease	ease	NOUN
hassl-4116	10	43	of	of	ADP
hassl-4116	10	44	use	use	NOUN
hassl-4116	10	45	perceived	perceive	VERB
hassl-4116	10	46	risk	risk	NOUN
hassl-4116	10	47	perceived	perceive	VERB
hassl-4116	10	48	usefulness	usefulness	ADJ
hassl-4116	10	49	structural	structural	ADJ
hassl-4116	10	50	equation	equation	NOUN
hassl-4116	10	51	modeling	modeling	NOUN
hassl-4116	10	52	.	.	PUNCT
hassl-4116	11	1	this	this	DET
hassl-4116	11	2	study	study	NOUN
hassl-4116	11	3	aims	aim	VERB
hassl-4116	11	4	to	to	PART
hassl-4116	11	5	investigate	investigate	VERB
hassl-4116	11	6	the	the	DET
hassl-4116	11	7	factors	factor	NOUN
hassl-4116	11	8	that	that	PRON
hassl-4116	11	9	influence	influence	VERB
hassl-4116	11	10	the	the	DET
hassl-4116	11	11	continuity	continuity	NOUN
hassl-4116	11	12	of	of	ADP
hassl-4116	11	13	fintech	fintech	NOUN
hassl-4116	11	14	usage	usage	NOUN
hassl-4116	11	15	by	by	ADP
hassl-4116	11	16	taking	take	VERB
hassl-4116	11	17	indonesia	indonesia	PROPN
hassl-4116	11	18	as	as	ADP
hassl-4116	11	19	a	a	DET
hassl-4116	11	20	case	case	NOUN
hassl-4116	11	21	.	.	PUNCT
hassl-4116	12	1	factors	factor	NOUN
hassl-4116	12	2	that	that	PRON
hassl-4116	12	3	drive	drive	VERB
hassl-4116	12	4	the	the	DET
hassl-4116	12	5	continuity	continuity	NOUN
hassl-4116	12	6	of	of	ADP
hassl-4116	12	7	fintech	fintech	NOUN
hassl-4116	12	8	usage	usage	NOUN
hassl-4116	12	9	are	be	AUX
hassl-4116	12	10	perceived	perceive	VERB
hassl-4116	12	11	benefit	benefit	NOUN
hassl-4116	12	12	,	,	PUNCT
hassl-4116	12	13	perceived	perceive	VERB
hassl-4116	12	14	risk	risk	NOUN
hassl-4116	12	15	,	,	PUNCT
hassl-4116	12	16	perceived	perceive	VERB
hassl-4116	12	17	ease	ease	NOUN
hassl-4116	12	18	of	of	ADP
hassl-4116	12	19	use	use	NOUN
hassl-4116	12	20	,	,	PUNCT
hassl-4116	12	21	and	and	CCONJ
hassl-4116	12	22	perceived	perceive	VERB
hassl-4116	12	23	usefulness	usefulness	NOUN
hassl-4116	12	24	with	with	ADP
hassl-4116	12	25	fintech	fintech	NOUN
hassl-4116	12	26	usage	usage	NOUN
hassl-4116	12	27	adoption	adoption	NOUN
hassl-4116	12	28	as	as	ADP
hassl-4116	12	29	a	a	DET
hassl-4116	12	30	mediating	mediate	VERB
hassl-4116	12	31	variable	variable	NOUN
hassl-4116	12	32	.	.	PUNCT
hassl-4116	13	1	data	datum	NOUN
hassl-4116	13	2	was	be	AUX
hassl-4116	13	3	obtained	obtain	VERB
hassl-4116	13	4	from	from	ADP
hassl-4116	13	5	343	343	NUM
hassl-4116	13	6	fintech	fintech	NOUN
hassl-4116	13	7	users	user	NOUN
hassl-4116	13	8	located	locate	VERB
hassl-4116	13	9	in	in	ADP
hassl-4116	13	10	indonesia	indonesia	PROPN
hassl-4116	13	11	.	.	PUNCT
hassl-4116	14	1	these	these	DET
hassl-4116	14	2	data	datum	NOUN
hassl-4116	14	3	were	be	AUX
hassl-4116	14	4	then	then	ADV
hassl-4116	14	5	analyzed	analyze	VERB
hassl-4116	14	6	by	by	ADP
hassl-4116	14	7	applying	apply	VERB
hassl-4116	14	8	the	the	DET
hassl-4116	14	9	structural	structural	ADJ
hassl-4116	14	10	equation	equation	NOUN
hassl-4116	14	11	modelling	modelling	NOUN
hassl-4116	14	12	(	(	PUNCT
hassl-4116	14	13	sem	sem	NOUN
hassl-4116	14	14	)	)	PUNCT
hassl-4116	14	15	.	.	PUNCT
hassl-4116	15	1	the	the	DET
hassl-4116	15	2	results	result	NOUN
hassl-4116	15	3	indicate	indicate	VERB
hassl-4116	15	4	that	that	SCONJ
hassl-4116	15	5	perceived	perceive	VERB
hassl-4116	15	6	benefit	benefit	NOUN
hassl-4116	15	7	and	and	CCONJ
hassl-4116	15	8	usefulness	usefulness	NOUN
hassl-4116	15	9	positively	positively	ADV
hassl-4116	15	10	and	and	CCONJ
hassl-4116	15	11	significantly	significantly	ADV
hassl-4116	15	12	affect	affect	VERB
hassl-4116	15	13	the	the	DET
hassl-4116	15	14	adoption	adoption	NOUN
hassl-4116	15	15	and	and	CCONJ
hassl-4116	15	16	the	the	DET
hassl-4116	15	17	continuity	continuity	NOUN
hassl-4116	15	18	of	of	ADP
hassl-4116	15	19	fintech	fintech	NOUN
hassl-4116	15	20	usage	usage	NOUN
hassl-4116	15	21	.	.	PUNCT
hassl-4116	16	1	however	however	ADV
hassl-4116	16	2	,	,	PUNCT
hassl-4116	16	3	the	the	DET
hassl-4116	16	4	perceived	perceive	VERB
hassl-4116	16	5	risk	risk	NOUN
hassl-4116	16	6	and	and	CCONJ
hassl-4116	16	7	ease	ease	NOUN
hassl-4116	16	8	of	of	ADP
hassl-4116	16	9	use	use	NOUN
hassl-4116	16	10	have	have	VERB
hassl-4116	16	11	no	no	DET
hassl-4116	16	12	significant	significant	ADJ
hassl-4116	16	13	effect	effect	NOUN
hassl-4116	16	14	on	on	ADP
hassl-4116	16	15	the	the	DET
hassl-4116	16	16	adoption	adoption	NOUN
hassl-4116	16	17	and	and	CCONJ
hassl-4116	16	18	the	the	DET
hassl-4116	16	19	continuity	continuity	NOUN
hassl-4116	16	20	of	of	ADP
hassl-4116	16	21	fintech	fintech	NOUN
hassl-4116	16	22	usage	usage	NOUN
hassl-4116	16	23	.	.	PUNCT
hassl-4116	17	1	additionally	additionally	ADV
hassl-4116	17	2	,	,	PUNCT
hassl-4116	17	3	fintech	fintech	NOUN
hassl-4116	17	4	usage	usage	NOUN
hassl-4116	17	5	adoption	adoption	NOUN
hassl-4116	17	6	positively	positively	ADV
hassl-4116	17	7	and	and	CCONJ
hassl-4116	17	8	significantly	significantly	ADV
hassl-4116	17	9	influences	influence	VERB
hassl-4116	17	10	the	the	DET
hassl-4116	17	11	continuity	continuity	NOUN
hassl-4116	17	12	of	of	ADP
hassl-4116	17	13	fintech	fintech	NOUN
hassl-4116	17	14	usage	usage	NOUN
hassl-4116	17	15	.	.	PUNCT
hassl-4116	18	1	fintech	fintech	NOUN
hassl-4116	18	2	usage	usage	NOUN
hassl-4116	18	3	adoption	adoption	NOUN
hassl-4116	18	4	mediates	mediate	VERB
hassl-4116	18	5	the	the	DET
hassl-4116	18	6	effects	effect	NOUN
hassl-4116	18	7	of	of	ADP
hassl-4116	18	8	perceived	perceive	VERB
hassl-4116	18	9	benefits	benefit	NOUN
hassl-4116	18	10	and	and	CCONJ
hassl-4116	18	11	usefulness	usefulness	NOUN
hassl-4116	18	12	on	on	ADP
hassl-4116	18	13	fintech	fintech	NOUN
hassl-4116	18	14	usage	usage	NOUN
hassl-4116	18	15	continuity	continuity	NOUN
hassl-4116	18	16	but	but	CCONJ
hassl-4116	18	17	does	do	AUX
hassl-4116	18	18	not	not	PART
hassl-4116	18	19	mediate	mediate	VERB
hassl-4116	18	20	the	the	DET
hassl-4116	18	21	influence	influence	NOUN
hassl-4116	18	22	of	of	ADP
hassl-4116	18	23	perceived	perceive	VERB
hassl-4116	18	24	risk	risk	NOUN
hassl-4116	18	25	and	and	CCONJ
hassl-4116	18	26	ease	ease	NOUN
hassl-4116	18	27	of	of	ADP
hassl-4116	18	28	use	use	NOUN
hassl-4116	18	29	on	on	ADP
hassl-4116	18	30	the	the	DET
hassl-4116	18	31	continuity	continuity	NOUN
hassl-4116	18	32	of	of	ADP
hassl-4116	18	33	fintech	fintech	NOUN
hassl-4116	18	34	usage	usage	NOUN
hassl-4116	18	35	.	.	PUNCT
hassl-4116	19	1	the	the	DET
hassl-4116	19	2	findings	finding	NOUN
hassl-4116	19	3	contribute	contribute	VERB
hassl-4116	19	4	to	to	ADP
hassl-4116	19	5	the	the	DET
hassl-4116	19	6	knowledge	knowledge	NOUN
hassl-4116	19	7	of	of	ADP
hassl-4116	19	8	the	the	DET
hassl-4116	19	9	perceived	perceive	VERB
hassl-4116	19	10	benefit	benefit	NOUN
hassl-4116	19	11	and	and	CCONJ
hassl-4116	19	12	usefulness	usefulness	NOUN
hassl-4116	19	13	for	for	SCONJ
hassl-4116	19	14	users	user	NOUN
hassl-4116	19	15	to	to	PART
hassl-4116	19	16	adopt	adopt	VERB
hassl-4116	19	17	and	and	CCONJ
hassl-4116	19	18	continue	continue	VERB
hassl-4116	19	19	fintech	fintech	NOUN
hassl-4116	19	20	usage	usage	NOUN
hassl-4116	19	21	.	.	PUNCT
hassl-4116	20	1	the	the	DET
hassl-4116	20	2	government	government	NOUN
hassl-4116	20	3	needs	need	VERB
hassl-4116	20	4	to	to	PART
hassl-4116	20	5	continue	continue	VERB
hassl-4116	20	6	improving	improve	VERB
hassl-4116	20	7	digital	digital	ADJ
hassl-4116	20	8	financial	financial	ADJ
hassl-4116	20	9	literacy	literacy	NOUN
hassl-4116	20	10	to	to	ADP
hassl-4116	20	11	aware	aware	ADJ
hassl-4116	20	12	users	user	NOUN
hassl-4116	20	13	of	of	ADP
hassl-4116	20	14	fintech	fintech	NOUN
hassl-4116	20	15	.	.	PUNCT
hassl-4116	21	1	contribution	contribution	NOUN
hassl-4116	21	2	/	/	SYM
hassl-4116	21	3	originality	originality	NOUN
hassl-4116	21	4	:	:	PUNCT
hassl-4116	21	5	this	this	DET
hassl-4116	21	6	study	study	NOUN
hassl-4116	21	7	differs	differ	VERB
hassl-4116	21	8	from	from	ADP
hassl-4116	21	9	the	the	DET
hassl-4116	21	10	previous	previous	ADJ
hassl-4116	21	11	studies	study	NOUN
hassl-4116	21	12	advanced	advance	VERB
hassl-4116	21	13	in	in	ADP
hassl-4116	21	14	the	the	DET
hassl-4116	21	15	literature	literature	NOUN
hassl-4116	21	16	as	as	SCONJ
hassl-4116	21	17	we	we	PRON
hassl-4116	21	18	utilize	utilize	VERB
hassl-4116	21	19	fintech	fintech	NOUN
hassl-4116	21	20	usage	usage	NOUN
hassl-4116	21	21	adoption	adoption	NOUN
hassl-4116	21	22	as	as	ADP
hassl-4116	21	23	a	a	DET
hassl-4116	21	24	mediating	mediate	VERB
hassl-4116	21	25	variable	variable	NOUN
hassl-4116	21	26	and	and	CCONJ
hassl-4116	21	27	examine	examine	VERB
hassl-4116	21	28	the	the	DET
hassl-4116	21	29	direct	direct	ADJ
hassl-4116	21	30	relationship	relationship	NOUN
hassl-4116	21	31	between	between	ADP
hassl-4116	21	32	fintech	fintech	NOUN
hassl-4116	21	33	usage	usage	NOUN
hassl-4116	21	34	adoption	adoption	NOUN
hassl-4116	21	35	and	and	CCONJ
hassl-4116	21	36	the	the	DET
hassl-4116	21	37	continuity	continuity	NOUN
hassl-4116	21	38	of	of	ADP
hassl-4116	21	39	fintech	fintech	NOUN
hassl-4116	21	40	usage	usage	NOUN
hassl-4116	21	41	.	.	PUNCT
hassl-4116	22	1	1	1	X
hassl-4116	22	2	.	.	X
hassl-4116	22	3	introduction	introduction	NOUN
hassl-4116	22	4	financial	financial	ADJ
hassl-4116	22	5	technology	technology	NOUN
hassl-4116	22	6	(	(	PUNCT
hassl-4116	22	7	fintech	fintech	NOUN
hassl-4116	22	8	)	)	PUNCT
hassl-4116	22	9	refers	refer	VERB
hassl-4116	22	10	to	to	ADP
hassl-4116	22	11	the	the	DET
hassl-4116	22	12	integration	integration	NOUN
hassl-4116	22	13	of	of	ADP
hassl-4116	22	14	financial	financial	ADJ
hassl-4116	22	15	services	service	NOUN
hassl-4116	22	16	with	with	ADP
hassl-4116	22	17	technological	technological	ADJ
hassl-4116	22	18	developments	development	NOUN
hassl-4116	22	19	,	,	PUNCT
hassl-4116	22	20	facilitating	facilitate	VERB
hassl-4116	22	21	consumer	consumer	NOUN
hassl-4116	22	22	access	access	NOUN
hassl-4116	22	23	to	to	ADP
hassl-4116	22	24	innovative	innovative	ADJ
hassl-4116	22	25	financial	financial	ADJ
hassl-4116	22	26	solutions	solution	NOUN
hassl-4116	22	27	such	such	ADJ
hassl-4116	22	28	as	as	ADP
hassl-4116	22	29	savings	saving	NOUN
hassl-4116	22	30	and	and	CCONJ
hassl-4116	22	31	investments	investment	NOUN
hassl-4116	22	32	,	,	PUNCT
hassl-4116	22	33	online	online	ADJ
hassl-4116	22	34	payments	payment	NOUN
hassl-4116	22	35	,	,	PUNCT
hassl-4116	22	36	financial	financial	ADJ
hassl-4116	22	37	planning	planning	NOUN
hassl-4116	22	38	,	,	PUNCT
hassl-4116	22	39	peer	peer	NOUN
hassl-4116	22	40	-	-	PUNCT
hassl-4116	22	41	to	to	ADP
hassl-4116	22	42	-	-	PUNCT
hassl-4116	22	43	peer	peer	NOUN
hassl-4116	22	44	lending	lending	NOUN
hassl-4116	22	45	,	,	PUNCT
hassl-4116	22	46	mobile	mobile	ADJ
hassl-4116	22	47	financial	financial	ADJ
hassl-4116	22	48	services	service	NOUN
hassl-4116	22	49	and	and	CCONJ
hassl-4116	22	50	crowdfunding	crowdfunding	NOUN
hassl-4116	22	51	(	(	PUNCT
hassl-4116	22	52	dorfleitner	dorfleitner	NOUN
hassl-4116	22	53	,	,	PUNCT
hassl-4116	22	54	hornuf	hornuf	PROPN
hassl-4116	22	55	,	,	PUNCT
hassl-4116	22	56	schmitt	schmitt	NOUN
hassl-4116	22	57	,	,	PUNCT
hassl-4116	22	58	&	&	CCONJ
hassl-4116	22	59	weber	weber	PROPN
hassl-4116	22	60	,	,	PUNCT
hassl-4116	22	61	2017	2017	NUM
hassl-4116	22	62	;	;	PUNCT
hassl-4116	22	63	knewtson	knewtson	PROPN
hassl-4116	22	64	&	&	CCONJ
hassl-4116	22	65	rosenbaum	rosenbaum	PROPN
hassl-4116	22	66	,	,	PUNCT
hassl-4116	22	67	2020	2020	NUM
hassl-4116	22	68	;	;	PUNCT
hassl-4116	22	69	liu	liu	PROPN
hassl-4116	22	70	,	,	PUNCT
hassl-4116	22	71	chan	chan	PROPN
hassl-4116	22	72	,	,	PUNCT
hassl-4116	22	73	&	&	CCONJ
hassl-4116	22	74	chimhundu	chimhundu	NOUN
hassl-4116	22	75	,	,	PUNCT
hassl-4116	22	76	2024	2024	NUM
hassl-4116	22	77	;	;	PUNCT
hassl-4116	22	78	mamonov	mamonov	PROPN
hassl-4116	22	79	,	,	PUNCT
hassl-4116	22	80	2020	2020	NUM
hassl-4116	22	81	;	;	PUNCT
hassl-4116	22	82	schueffel	schueffel	NOUN
hassl-4116	22	83	,	,	PUNCT
hassl-4116	22	84	2016	2016	NUM
hassl-4116	22	85	;	;	PUNCT
hassl-4116	22	86	shao	shao	PROPN
hassl-4116	22	87	,	,	PUNCT
hassl-4116	22	88	zhang	zhang	PROPN
hassl-4116	22	89	,	,	PUNCT
hassl-4116	22	90	li	li	PROPN
hassl-4116	22	91	,	,	PUNCT
hassl-4116	22	92	&	&	CCONJ
hassl-4116	22	93	guo	guo	PROPN
hassl-4116	22	94	,	,	PUNCT
hassl-4116	22	95	2019	2019	NUM
hassl-4116	22	96	)	)	PUNCT
hassl-4116	22	97	.	.	PUNCT
hassl-4116	23	1	this	this	DET
hassl-4116	23	2	payment	payment	NOUN
hassl-4116	23	3	technology	technology	NOUN
hassl-4116	23	4	is	be	AUX
hassl-4116	23	5	essential	essential	ADJ
hassl-4116	23	6	for	for	ADP
hassl-4116	23	7	the	the	DET
hassl-4116	23	8	advancement	advancement	NOUN
hassl-4116	23	9	of	of	ADP
hassl-4116	23	10	financial	financial	ADJ
hassl-4116	23	11	inclusion	inclusion	NOUN
hassl-4116	23	12	and	and	CCONJ
hassl-4116	23	13	economic	economic	ADJ
hassl-4116	23	14	growth	growth	NOUN
hassl-4116	23	15	in	in	ADP
hassl-4116	23	16	the	the	DET
hassl-4116	23	17	global	global	ADJ
hassl-4116	23	18	world	world	NOUN
hassl-4116	23	19	including	include	VERB
hassl-4116	23	20	in	in	ADP
hassl-4116	23	21	indonesia	indonesia	PROPN
hassl-4116	23	22	(	(	PUNCT
hassl-4116	23	23	la	la	X
hassl-4116	23	24	rocca	rocca	PROPN
hassl-4116	23	25	,	,	PUNCT
hassl-4116	23	26	2024	2024	NUM
hassl-4116	23	27	;	;	PUNCT
hassl-4116	23	28	mardiana	mardiana	PROPN
hassl-4116	23	29	,	,	PUNCT
hassl-4116	23	30	faridatul	faridatul	PROPN
hassl-4116	23	31	,	,	PUNCT
hassl-4116	23	32	herlindawati	herlindawati	PROPN
hassl-4116	23	33	,	,	PUNCT
hassl-4116	23	34	tiara	tiara	NOUN
hassl-4116	23	35	,	,	PUNCT
hassl-4116	23	36	&	&	CCONJ
hassl-4116	23	37	mardiyana	mardiyana	PROPN
hassl-4116	23	38	,	,	PUNCT
hassl-4116	23	39	2020	2020	NUM
hassl-4116	23	40	;	;	PUNCT
hassl-4116	23	41	razzaque	razzaque	NOUN
hassl-4116	23	42	,	,	PUNCT
hassl-4116	23	43	cummings	cumming	NOUN
hassl-4116	23	44	,	,	PUNCT
hassl-4116	23	45	karolak	karolak	PROPN
hassl-4116	23	46	,	,	PUNCT
hassl-4116	23	47	&	&	CCONJ
hassl-4116	23	48	hamdan	hamdan	PROPN
hassl-4116	23	49	,	,	PUNCT
hassl-4116	23	50	2020	2020	NUM
hassl-4116	23	51	;	;	PUNCT
hassl-4116	23	52	wang	wang	PROPN
hassl-4116	23	53	,	,	PUNCT
hassl-4116	23	54	guan	guan	PROPN
hassl-4116	23	55	,	,	PUNCT
hassl-4116	23	56	hou	hou	PROPN
hassl-4116	23	57	,	,	PUNCT
hassl-4116	23	58	li	li	PROPN
hassl-4116	23	59	,	,	PUNCT
hassl-4116	23	60	&	&	CCONJ
hassl-4116	23	61	zhou	zhou	PROPN
hassl-4116	23	62	,	,	PUNCT
hassl-4116	23	63	2019	2019	NUM
hassl-4116	23	64	;	;	PUNCT
hassl-4116	23	65	wonglimpiyarat	wonglimpiyarat	NOUN
hassl-4116	23	66	,	,	PUNCT
hassl-4116	23	67	2011	2011	NUM
hassl-4116	23	68	)	)	PUNCT
hassl-4116	23	69	.	.	PUNCT
hassl-4116	24	1	fintech	fintech	NOUN
hassl-4116	24	2	services	service	NOUN
hassl-4116	24	3	can	can	AUX
hassl-4116	24	4	facilitate	facilitate	VERB
hassl-4116	24	5	access	access	NOUN
hassl-4116	24	6	to	to	ADP
hassl-4116	24	7	financial	financial	ADJ
hassl-4116	24	8	services	service	NOUN
hassl-4116	24	9	and	and	CCONJ
hassl-4116	24	10	promote	promote	VERB
hassl-4116	24	11	greater	great	ADJ
hassl-4116	24	12	economic	economic	ADJ
hassl-4116	24	13	inclusive	inclusive	ADJ
hassl-4116	24	14	participation	participation	NOUN
hassl-4116	24	15	(	(	PUNCT
hassl-4116	24	16	lasmini	lasmini	PROPN
hassl-4116	24	17	&	&	CCONJ
hassl-4116	24	18	zulvia	zulvia	PROPN
hassl-4116	24	19	,	,	PUNCT
hassl-4116	24	20	2021	2021	NUM
hassl-4116	24	21	;	;	PUNCT
hassl-4116	24	22	muzdalifa	muzdalifa	PROPN
hassl-4116	24	23	,	,	PUNCT
hassl-4116	24	24	rahma	rahma	PROPN
hassl-4116	24	25	,	,	PUNCT
hassl-4116	24	26	novalia	novalia	PROPN
hassl-4116	24	27	,	,	PUNCT
hassl-4116	24	28	&	&	CCONJ
hassl-4116	24	29	rafsanjani	rafsanjani	PROPN
hassl-4116	24	30	,	,	PUNCT
hassl-4116	24	31	2018	2018	NUM
hassl-4116	24	32	)	)	PUNCT
hassl-4116	24	33	.	.	PUNCT
hassl-4116	25	1	humanities	humanity	NOUN
hassl-4116	25	2	and	and	CCONJ
hassl-4116	25	3	social	social	ADJ
hassl-4116	25	4	sciences	science	NOUN
hassl-4116	25	5	letters	letter	NOUN
hassl-4116	25	6	2025	2025	NUM
hassl-4116	25	7	vol	vol	NOUN
hassl-4116	25	8	.	.	PROPN
hassl-4116	25	9	13	13	NUM
hassl-4116	25	10	,	,	PUNCT
hassl-4116	25	11	no	no	INTJ
hassl-4116	25	12	.	.	NOUN
hassl-4116	25	13	2	2	NUM
hassl-4116	25	14	,	,	PUNCT
hassl-4116	25	15	pp	pp	ADJ
hassl-4116	25	16	.	.	PUNCT
hassl-4116	26	1	409	409	NUM
hassl-4116	26	2	-	-	SYM
hassl-4116	26	3	427	427	NUM
hassl-4116	26	4	issn(e	issn(e	NOUN
hassl-4116	26	5	):	):	PUNCT
hassl-4116	26	6	2312	2312	NUM
hassl-4116	26	7	-	-	SYM
hassl-4116	26	8	4318	4318	NUM
hassl-4116	26	9	issn(p	issn(p	NUM
hassl-4116	26	10	):	):	PUNCT
hassl-4116	26	11	2312	2312	NUM
hassl-4116	26	12	-	-	SYM
hassl-4116	26	13	5659	5659	NUM
hassl-4116	26	14	doi	doi	NOUN
hassl-4116	26	15	:	:	PUNCT
hassl-4116	26	16	10.18488/73.v13i2.4116	10.18488/73.v13i2.4116	PROPN
hassl-4116	26	17	©	©	PROPN
hassl-4116	26	18	2025	2025	NUM
hassl-4116	26	19	conscientia	conscientia	PROPN
hassl-4116	26	20	beam	beam	PROPN
hassl-4116	26	21	.	.	PUNCT
hassl-4116	27	1	all	all	DET
hassl-4116	27	2	rights	right	NOUN
hassl-4116	27	3	reserved	reserve	VERB
hassl-4116	27	4	.	.	PUNCT
hassl-4116	28	1	https://orcid.org/0009-0007-5460-1492	https://orcid.org/0009-0007-5460-1492	PROPN
hassl-4116	28	2	https://orcid.org/0000-0002-2428-8657	https://orcid.org/0000-0002-2428-8657	INTJ
hassl-4116	28	3	https://orcid.org/0009-0006-9840-0054	https://orcid.org/0009-0006-9840-0054	PROPN
hassl-4116	29	1	https://orcid.org/0000-0003-3163-8739	https://orcid.org/0000-0003-3163-8739	PROPN
hassl-4116	29	2	mailto:henryantow@fe.untar.ac.id	mailto:henryantow@fe.untar.ac.id	PROPN
hassl-4116	29	3	mailto:hadic@fe.untar.ac.id	mailto:hadic@fe.untar.ac.id	PROPN
hassl-4116	29	4	mailto:cmfirdausy@gmail.com	mailto:cmfirdausy@gmail.com	X
hassl-4116	29	5	mailto:indraw9393@gmail.com	mailto:indraw9393@gmail.com	X
hassl-4116	29	6	https://www.doi.org/10.18488/73.v13i2.4116	https://www.doi.org/10.18488/73.v13i2.4116	NUM
hassl-4116	29	7	humanities	humanity	NOUN
hassl-4116	29	8	and	and	CCONJ
hassl-4116	29	9	social	social	ADJ
hassl-4116	29	10	sciences	science	NOUN
hassl-4116	29	11	letters	letter	NOUN
hassl-4116	29	12	,	,	PUNCT
hassl-4116	29	13	2025	2025	NUM
hassl-4116	29	14	,	,	PUNCT
hassl-4116	29	15	13(2	13(2	NUM
hassl-4116	29	16	):	):	PUNCT
hassl-4116	29	17	409	409	NUM
hassl-4116	29	18	-	-	SYM
hassl-4116	29	19	427	427	NUM
hassl-4116	29	20	410	410	NUM
hassl-4116	29	21	©	©	ADP
hassl-4116	29	22	2025	2025	NUM
hassl-4116	29	23	conscientia	conscientia	PROPN
hassl-4116	29	24	beam	beam	PROPN
hassl-4116	29	25	.	.	PUNCT
hassl-4116	30	1	all	all	DET
hassl-4116	30	2	rights	right	NOUN
hassl-4116	30	3	reserved	reserve	VERB
hassl-4116	30	4	.	.	PUNCT
hassl-4116	31	1	the	the	DET
hassl-4116	31	2	indonesian	indonesian	PROPN
hassl-4116	31	3	fintech	fintech	PROPN
hassl-4116	31	4	association	association	NOUN
hassl-4116	31	5	(	(	PUNCT
hassl-4116	31	6	aftech	aftech	ADV
hassl-4116	31	7	)	)	PUNCT
hassl-4116	31	8	in	in	ADP
hassl-4116	31	9	2023	2023	NUM
hassl-4116	31	10	indicated	indicate	VERB
hassl-4116	31	11	a	a	DET
hassl-4116	31	12	growing	grow	VERB
hassl-4116	31	13	demand	demand	NOUN
hassl-4116	31	14	for	for	ADP
hassl-4116	31	15	digital	digital	ADJ
hassl-4116	31	16	financial	financial	ADJ
hassl-4116	31	17	services	service	NOUN
hassl-4116	31	18	in	in	ADP
hassl-4116	31	19	indonesia	indonesia	PROPN
hassl-4116	31	20	,	,	PUNCT
hassl-4116	31	21	particularly	particularly	ADV
hassl-4116	31	22	among	among	ADP
hassl-4116	31	23	individuals	individual	NOUN
hassl-4116	31	24	aged	age	VERB
hassl-4116	31	25	26	26	NUM
hassl-4116	31	26	to	to	PART
hassl-4116	31	27	35	35	NUM
hassl-4116	31	28	years	year	NOUN
hassl-4116	31	29	(	(	PUNCT
hassl-4116	31	30	asosiasi	asosiasi	PROPN
hassl-4116	31	31	fintech	fintech	PROPN
hassl-4116	31	32	indonesia	indonesia	PROPN
hassl-4116	31	33	,	,	PUNCT
hassl-4116	31	34	2024	2024	NUM
hassl-4116	31	35	)	)	PUNCT
hassl-4116	31	36	.	.	PUNCT
hassl-4116	32	1	notable	notable	ADJ
hassl-4116	32	2	companies	company	NOUN
hassl-4116	32	3	in	in	ADP
hassl-4116	32	4	indonesia	indonesia	PROPN
hassl-4116	32	5	offering	offer	VERB
hassl-4116	32	6	fintech	fintech	NOUN
hassl-4116	32	7	services	service	NOUN
hassl-4116	32	8	include	include	VERB
hassl-4116	32	9	ovo	ovo	PROPN
hassl-4116	32	10	,	,	PUNCT
hassl-4116	32	11	gopay	gopay	PROPN
hassl-4116	32	12	,	,	PUNCT
hassl-4116	32	13	dana	dana	PROPN
hassl-4116	32	14	,	,	PUNCT
hassl-4116	32	15	shopeepay	shopeepay	PROPN
hassl-4116	32	16	,	,	PUNCT
hassl-4116	32	17	linkaja	linkaja	NOUN
hassl-4116	32	18	,	,	PUNCT
hassl-4116	32	19	paylater	paylater	NOUN
hassl-4116	32	20	,	,	PUNCT
hassl-4116	32	21	doku	doku	PROPN
hassl-4116	32	22	,	,	PUNCT
hassl-4116	32	23	and	and	CCONJ
hassl-4116	32	24	bareksa	bareksa	NOUN
hassl-4116	32	25	.	.	PUNCT
hassl-4116	33	1	these	these	DET
hassl-4116	33	2	companies	company	NOUN
hassl-4116	33	3	offer	offer	VERB
hassl-4116	33	4	innovative	innovative	ADJ
hassl-4116	33	5	solutions	solution	NOUN
hassl-4116	33	6	in	in	ADP
hassl-4116	33	7	financial	financial	ADJ
hassl-4116	33	8	transactions	transaction	NOUN
hassl-4116	33	9	,	,	PUNCT
hassl-4116	33	10	payments	payment	NOUN
hassl-4116	33	11	,	,	PUNCT
hassl-4116	33	12	lending	lending	NOUN
hassl-4116	33	13	,	,	PUNCT
hassl-4116	33	14	investment	investment	NOUN
hassl-4116	33	15	,	,	PUNCT
hassl-4116	33	16	and	and	CCONJ
hassl-4116	33	17	other	other	ADJ
hassl-4116	33	18	financial	financial	ADJ
hassl-4116	33	19	services	service	NOUN
hassl-4116	33	20	,	,	PUNCT
hassl-4116	33	21	thereby	thereby	ADV
hassl-4116	33	22	modernizing	modernize	VERB
hassl-4116	33	23	the	the	DET
hassl-4116	33	24	sector	sector	NOUN
hassl-4116	33	25	,	,	PUNCT
hassl-4116	33	26	generating	generate	VERB
hassl-4116	33	27	new	new	ADJ
hassl-4116	33	28	job	job	NOUN
hassl-4116	33	29	opportunities	opportunity	NOUN
hassl-4116	33	30	,	,	PUNCT
hassl-4116	33	31	and	and	CCONJ
hassl-4116	33	32	attracting	attract	VERB
hassl-4116	33	33	foreign	foreign	ADJ
hassl-4116	33	34	investment	investment	NOUN
hassl-4116	33	35	(	(	PUNCT
hassl-4116	33	36	kumar	kumar	PROPN
hassl-4116	33	37	,	,	PUNCT
hassl-4116	33	38	wong	wong	PROPN
hassl-4116	33	39	,	,	PUNCT
hassl-4116	33	40	chauhan	chauhan	PROPN
hassl-4116	33	41	,	,	PUNCT
hassl-4116	33	42	shubhankar	shubhankar	NOUN
hassl-4116	33	43	,	,	PUNCT
hassl-4116	33	44	&	&	CCONJ
hassl-4116	33	45	oetama	oetama	NOUN
hassl-4116	33	46	,	,	PUNCT
hassl-4116	33	47	2023	2023	NUM
hassl-4116	33	48	;	;	PUNCT
hassl-4116	33	49	nurhayani	nurhayani	NUM
hassl-4116	33	50	,	,	PUNCT
hassl-4116	33	51	dongoran	dongoran	ADJ
hassl-4116	33	52	,	,	PUNCT
hassl-4116	33	53	syah	syah	NOUN
hassl-4116	33	54	,	,	PUNCT
hassl-4116	33	55	&	&	CCONJ
hassl-4116	33	56	sagala	sagala	PROPN
hassl-4116	33	57	,	,	PUNCT
hassl-4116	33	58	2024	2024	NUM
hassl-4116	33	59	;	;	PUNCT
hassl-4116	33	60	sekarningrum	sekarningrum	NOUN
hassl-4116	33	61	,	,	PUNCT
hassl-4116	33	62	2022	2022	NUM
hassl-4116	33	63	)	)	PUNCT
hassl-4116	33	64	.	.	PUNCT
hassl-4116	34	1	recognizing	recognize	VERB
hassl-4116	34	2	the	the	DET
hassl-4116	34	3	above	above	ADJ
hassl-4116	34	4	potential	potential	NOUN
hassl-4116	34	5	of	of	ADP
hassl-4116	34	6	fintech	fintech	NOUN
hassl-4116	34	7	for	for	ADP
hassl-4116	34	8	the	the	DET
hassl-4116	34	9	economy	economy	NOUN
hassl-4116	34	10	,	,	PUNCT
hassl-4116	34	11	the	the	DET
hassl-4116	34	12	government	government	NOUN
hassl-4116	34	13	of	of	ADP
hassl-4116	34	14	indonesia	indonesia	PROPN
hassl-4116	34	15	(	(	PUNCT
hassl-4116	34	16	goi	goi	PROPN
hassl-4116	34	17	)	)	PUNCT
hassl-4116	34	18	through	through	ADP
hassl-4116	34	19	the	the	DET
hassl-4116	34	20	financial	financial	ADJ
hassl-4116	34	21	services	service	NOUN
hassl-4116	34	22	authority	authority	NOUN
hassl-4116	34	23	,	,	PUNCT
hassl-4116	34	24	locally	locally	ADV
hassl-4116	34	25	called	call	VERB
hassl-4116	34	26	otoritas	otoritas	PROPN
hassl-4116	34	27	jasa	jasa	PROPN
hassl-4116	34	28	keuangan	keuangan	PROPN
hassl-4116	34	29	(	(	PUNCT
hassl-4116	34	30	ojk	ojk	NOUN
hassl-4116	34	31	)	)	PUNCT
hassl-4116	34	32	created	create	VERB
hassl-4116	34	33	a	a	DET
hassl-4116	34	34	supportive	supportive	ADJ
hassl-4116	34	35	ecosystem	ecosystem	NOUN
hassl-4116	34	36	including	include	VERB
hassl-4116	34	37	regulations	regulation	NOUN
hassl-4116	34	38	and	and	CCONJ
hassl-4116	34	39	appointed	appoint	VERB
hassl-4116	34	40	the	the	DET
hassl-4116	34	41	indonesian	indonesian	ADJ
hassl-4116	34	42	fintech	fintech	PROPN
hassl-4116	34	43	association	association	NOUN
hassl-4116	34	44	(	(	PUNCT
hassl-4116	34	45	aftech	aftech	ADV
hassl-4116	34	46	)	)	PUNCT
hassl-4116	34	47	as	as	ADP
hassl-4116	34	48	the	the	DET
hassl-4116	34	49	organizer	organizer	NOUN
hassl-4116	34	50	of	of	ADP
hassl-4116	34	51	digital	digital	ADJ
hassl-4116	34	52	financial	financial	ADJ
hassl-4116	34	53	expansion	expansion	NOUN
hassl-4116	34	54	(	(	PUNCT
hassl-4116	34	55	irso	irso	NOUN
hassl-4116	34	56	,	,	PUNCT
hassl-4116	34	57	2023	2023	NUM
hassl-4116	34	58	;	;	PUNCT
hassl-4116	34	59	otoritas	otorita	NOUN
hassl-4116	34	60	,	,	PUNCT
hassl-4116	34	61	2024	2024	NUM
hassl-4116	34	62	)	)	PUNCT
hassl-4116	34	63	.	.	PUNCT
hassl-4116	35	1	the	the	DET
hassl-4116	35	2	task	task	NOUN
hassl-4116	35	3	of	of	ADP
hassl-4116	35	4	this	this	DET
hassl-4116	35	5	organization	organization	NOUN
hassl-4116	35	6	is	be	AUX
hassl-4116	35	7	to	to	PART
hassl-4116	35	8	ensure	ensure	VERB
hassl-4116	35	9	the	the	DET
hassl-4116	35	10	development	development	NOUN
hassl-4116	35	11	of	of	ADP
hassl-4116	35	12	fintech	fintech	NOUN
hassl-4116	35	13	to	to	PART
hassl-4116	35	14	enhance	enhance	VERB
hassl-4116	35	15	financial	financial	ADJ
hassl-4116	35	16	inclusion	inclusion	NOUN
hassl-4116	35	17	,	,	PUNCT
hassl-4116	35	18	strengthen	strengthen	VERB
hassl-4116	35	19	the	the	DET
hassl-4116	35	20	financial	financial	ADJ
hassl-4116	35	21	sector	sector	NOUN
hassl-4116	35	22	and	and	CCONJ
hassl-4116	35	23	foster	foster	ADJ
hassl-4116	35	24	inclusive	inclusive	ADJ
hassl-4116	35	25	and	and	CCONJ
hassl-4116	35	26	sustainable	sustainable	ADJ
hassl-4116	35	27	economic	economic	ADJ
hassl-4116	35	28	growth	growth	NOUN
hassl-4116	35	29	(	(	PUNCT
hassl-4116	35	30	otoritas	otorita	NOUN
hassl-4116	35	31	,	,	PUNCT
hassl-4116	35	32	2024	2024	NUM
hassl-4116	35	33	)	)	PUNCT
hassl-4116	35	34	.	.	PUNCT
hassl-4116	36	1	however	however	ADV
hassl-4116	36	2	,	,	PUNCT
hassl-4116	36	3	the	the	DET
hassl-4116	36	4	present	present	ADJ
hassl-4116	36	5	development	development	NOUN
hassl-4116	36	6	of	of	ADP
hassl-4116	36	7	the	the	DET
hassl-4116	36	8	fintech	fintech	NOUN
hassl-4116	36	9	industry	industry	NOUN
hassl-4116	36	10	faces	face	VERB
hassl-4116	36	11	challenges	challenge	NOUN
hassl-4116	36	12	such	such	ADJ
hassl-4116	36	13	as	as	ADP
hassl-4116	36	14	data	datum	NOUN
hassl-4116	36	15	security	security	NOUN
hassl-4116	36	16	and	and	CCONJ
hassl-4116	36	17	low	low	ADJ
hassl-4116	36	18	financial	financial	ADJ
hassl-4116	36	19	literacy	literacy	NOUN
hassl-4116	36	20	of	of	ADP
hassl-4116	36	21	its	its	PRON
hassl-4116	36	22	users	user	NOUN
hassl-4116	36	23	.	.	PUNCT
hassl-4116	37	1	these	these	DET
hassl-4116	37	2	challenges	challenge	NOUN
hassl-4116	37	3	consequently	consequently	ADV
hassl-4116	37	4	affect	affect	VERB
hassl-4116	37	5	consumers	consumer	NOUN
hassl-4116	37	6	'	'	PART
hassl-4116	37	7	and	and	CCONJ
hassl-4116	37	8	users	user	NOUN
hassl-4116	37	9	'	'	PART
hassl-4116	37	10	trust	trust	NOUN
hassl-4116	37	11	and	and	CCONJ
hassl-4116	37	12	the	the	DET
hassl-4116	37	13	sustainable	sustainable	ADJ
hassl-4116	37	14	usage	usage	NOUN
hassl-4116	37	15	of	of	ADP
hassl-4116	37	16	fintech	fintech	NOUN
hassl-4116	37	17	services	service	NOUN
hassl-4116	37	18	(	(	PUNCT
hassl-4116	37	19	sahroni	sahroni	PROPN
hassl-4116	37	20	,	,	PUNCT
hassl-4116	37	21	santiago	santiago	PROPN
hassl-4116	37	22	,	,	PUNCT
hassl-4116	37	23	&	&	CCONJ
hassl-4116	37	24	redi	redi	PROPN
hassl-4116	37	25	,	,	PUNCT
hassl-4116	37	26	2023	2023	NUM
hassl-4116	37	27	)	)	PUNCT
hassl-4116	37	28	.	.	PUNCT
hassl-4116	38	1	data	datum	NOUN
hassl-4116	38	2	security	security	NOUN
hassl-4116	38	3	is	be	AUX
hassl-4116	38	4	an	an	DET
hassl-4116	38	5	important	important	ADJ
hassl-4116	38	6	concern	concern	NOUN
hassl-4116	38	7	as	as	SCONJ
hassl-4116	38	8	it	it	PRON
hassl-4116	38	9	is	be	AUX
hassl-4116	38	10	essential	essential	ADJ
hassl-4116	38	11	to	to	PART
hassl-4116	38	12	protect	protect	VERB
hassl-4116	38	13	the	the	DET
hassl-4116	38	14	integrity	integrity	NOUN
hassl-4116	38	15	and	and	CCONJ
hassl-4116	38	16	confidentiality	confidentiality	NOUN
hassl-4116	38	17	of	of	ADP
hassl-4116	38	18	consumers	consumer	NOUN
hassl-4116	38	19	'	'	PART
hassl-4116	38	20	financial	financial	ADJ
hassl-4116	38	21	information	information	NOUN
hassl-4116	38	22	.	.	PUNCT
hassl-4116	39	1	additional	additional	ADJ
hassl-4116	39	2	challenges	challenge	NOUN
hassl-4116	39	3	encompass	encompass	VERB
hassl-4116	39	4	consumer	consumer	NOUN
hassl-4116	39	5	protection	protection	NOUN
hassl-4116	39	6	,	,	PUNCT
hassl-4116	39	7	suitable	suitable	ADJ
hassl-4116	39	8	regulation	regulation	NOUN
hassl-4116	39	9	and	and	CCONJ
hassl-4116	39	10	disparities	disparity	NOUN
hassl-4116	39	11	in	in	ADP
hassl-4116	39	12	technology	technology	NOUN
hassl-4116	39	13	access	access	NOUN
hassl-4116	39	14	across	across	ADP
hassl-4116	39	15	various	various	ADJ
hassl-4116	39	16	segments	segment	NOUN
hassl-4116	39	17	of	of	ADP
hassl-4116	39	18	society	society	NOUN
hassl-4116	39	19	(	(	PUNCT
hassl-4116	39	20	cahyadi	cahyadi	NOUN
hassl-4116	39	21	,	,	PUNCT
hassl-4116	39	22	tarigan	tarigan	VERB
hassl-4116	39	23	,	,	PUNCT
hassl-4116	39	24	masman	masman	INTJ
hassl-4116	39	25	,	,	PUNCT
hassl-4116	39	26	trisnawati	trisnawati	PROPN
hassl-4116	39	27	,	,	PUNCT
hassl-4116	39	28	&	&	CCONJ
hassl-4116	39	29	wijaya	wijaya	PROPN
hassl-4116	39	30	,	,	PUNCT
hassl-4116	39	31	2024	2024	NUM
hassl-4116	39	32	)	)	PUNCT
hassl-4116	39	33	.	.	PUNCT
hassl-4116	40	1	the	the	DET
hassl-4116	40	2	recent	recent	ADJ
hassl-4116	40	3	data	datum	NOUN
hassl-4116	40	4	indicate	indicate	VERB
hassl-4116	40	5	that	that	SCONJ
hassl-4116	40	6	there	there	PRON
hassl-4116	40	7	is	be	VERB
hassl-4116	40	8	a	a	DET
hassl-4116	40	9	decline	decline	NOUN
hassl-4116	40	10	in	in	ADP
hassl-4116	40	11	the	the	DET
hassl-4116	40	12	fintech	fintech	NOUN
hassl-4116	40	13	industry	industry	NOUN
hassl-4116	40	14	services	service	NOUN
hassl-4116	40	15	.	.	PUNCT
hassl-4116	41	1	the	the	DET
hassl-4116	41	2	total	total	ADJ
hassl-4116	41	3	assets	asset	NOUN
hassl-4116	41	4	of	of	ADP
hassl-4116	41	5	peer	peer	NOUN
hassl-4116	41	6	-	-	PUNCT
hassl-4116	41	7	to	to	ADP
hassl-4116	41	8	-	-	PUNCT
hassl-4116	41	9	peer	peer	NOUN
hassl-4116	41	10	(	(	PUNCT
hassl-4116	41	11	p2p	p2p	NOUN
hassl-4116	41	12	)	)	PUNCT
hassl-4116	41	13	lending	lending	NOUN
hassl-4116	41	14	services	service	NOUN
hassl-4116	41	15	dropped	drop	VERB
hassl-4116	41	16	by	by	ADP
hassl-4116	41	17	5	5	NUM
hassl-4116	41	18	%	%	NOUN
hassl-4116	41	19	in	in	ADP
hassl-4116	41	20	the	the	DET
hassl-4116	41	21	fourth	fourth	ADJ
hassl-4116	41	22	quarter	quarter	NOUN
hassl-4116	41	23	of	of	ADP
hassl-4116	41	24	2023	2023	NUM
hassl-4116	41	25	.	.	PUNCT
hassl-4116	42	1	there	there	PRON
hassl-4116	42	2	was	be	VERB
hassl-4116	42	3	a	a	DET
hassl-4116	42	4	3.24	3.24	NUM
hassl-4116	42	5	%	%	NOUN
hassl-4116	42	6	decline	decline	NOUN
hassl-4116	42	7	in	in	ADP
hassl-4116	42	8	the	the	DET
hassl-4116	42	9	number	number	NOUN
hassl-4116	42	10	of	of	ADP
hassl-4116	42	11	online	online	ADJ
hassl-4116	42	12	loan	loan	NOUN
hassl-4116	42	13	accounts	account	NOUN
hassl-4116	42	14	in	in	ADP
hassl-4116	42	15	november	november	PROPN
hassl-4116	42	16	2023	2023	NUM
hassl-4116	42	17	(	(	PUNCT
hassl-4116	42	18	annur	annur	NOUN
hassl-4116	42	19	,	,	PUNCT
hassl-4116	42	20	2024	2024	NUM
hassl-4116	42	21	;	;	PUNCT
hassl-4116	42	22	saputra	saputra	ADJ
hassl-4116	42	23	,	,	PUNCT
hassl-4116	42	24	2024	2024	NUM
hassl-4116	42	25	)	)	PUNCT
hassl-4116	42	26	.	.	PUNCT
hassl-4116	43	1	global	global	ADJ
hassl-4116	43	2	investments	investment	NOUN
hassl-4116	43	3	in	in	ADP
hassl-4116	43	4	fintech	fintech	NOUN
hassl-4116	43	5	showed	show	VERB
hassl-4116	43	6	a	a	DET
hassl-4116	43	7	sharp	sharp	ADJ
hassl-4116	43	8	decrease	decrease	NOUN
hassl-4116	43	9	of	of	ADP
hassl-4116	43	10	investment	investment	NOUN
hassl-4116	43	11	from	from	ADP
hassl-4116	43	12	us$	us$	SYM
hassl-4116	43	13	88.8	88.8	NUM
hassl-4116	43	14	billion	billion	NUM
hassl-4116	43	15	(	(	PUNCT
hassl-4116	43	16	2022	2022	NUM
hassl-4116	43	17	)	)	PUNCT
hassl-4116	43	18	to	to	ADP
hassl-4116	43	19	us$	us$	SYM
hassl-4116	43	20	46.3	46.3	NUM
hassl-4116	43	21	billion	billion	NUM
hassl-4116	43	22	(	(	PUNCT
hassl-4116	43	23	2023	2023	NUM
hassl-4116	43	24	)	)	PUNCT
hassl-4116	43	25	and	and	CCONJ
hassl-4116	43	26	the	the	DET
hassl-4116	43	27	total	total	ADJ
hassl-4116	43	28	number	number	NOUN
hassl-4116	43	29	of	of	ADP
hassl-4116	43	30	transactions	transaction	NOUN
hassl-4116	43	31	in	in	ADP
hassl-4116	43	32	fintech	fintech	NOUN
hassl-4116	43	33	fell	fall	VERB
hassl-4116	43	34	from	from	ADP
hassl-4116	43	35	7,515	7,515	NUM
hassl-4116	43	36	in	in	ADP
hassl-4116	43	37	2022	2022	NUM
hassl-4116	43	38	to	to	ADP
hassl-4116	43	39	4,547	4,547	NUM
hassl-4116	43	40	in	in	ADP
hassl-4116	43	41	2023	2023	NUM
hassl-4116	43	42	hitting	hit	VERB
hassl-4116	43	43	the	the	DET
hassl-4116	43	44	lowest	low	ADJ
hassl-4116	43	45	levels	level	NOUN
hassl-4116	43	46	since	since	SCONJ
hassl-4116	43	47	2017	2017	NUM
hassl-4116	43	48	(	(	PUNCT
hassl-4116	43	49	ruddenklau	ruddenklau	ADJ
hassl-4116	43	50	,	,	PUNCT
hassl-4116	43	51	2024	2024	NUM
hassl-4116	43	52	)	)	PUNCT
hassl-4116	43	53	.	.	PUNCT
hassl-4116	44	1	these	these	DET
hassl-4116	44	2	declining	decline	VERB
hassl-4116	44	3	trends	trend	NOUN
hassl-4116	44	4	raise	raise	VERB
hassl-4116	44	5	concerns	concern	NOUN
hassl-4116	44	6	about	about	ADP
hassl-4116	44	7	the	the	DET
hassl-4116	44	8	future	future	ADJ
hassl-4116	44	9	sustainability	sustainability	NOUN
hassl-4116	44	10	of	of	ADP
hassl-4116	44	11	fintech	fintech	NOUN
hassl-4116	44	12	usage	usage	NOUN
hassl-4116	44	13	.	.	PUNCT
hassl-4116	45	1	therefore	therefore	ADV
hassl-4116	45	2	,	,	PUNCT
hassl-4116	45	3	for	for	ADP
hassl-4116	45	4	this	this	DET
hassl-4116	45	5	reason	reason	NOUN
hassl-4116	45	6	,	,	PUNCT
hassl-4116	45	7	there	there	PRON
hassl-4116	45	8	is	be	VERB
hassl-4116	45	9	an	an	DET
hassl-4116	45	10	urgent	urgent	ADJ
hassl-4116	45	11	need	need	NOUN
hassl-4116	45	12	for	for	ADP
hassl-4116	45	13	further	further	ADJ
hassl-4116	45	14	research	research	NOUN
hassl-4116	45	15	particularly	particularly	ADV
hassl-4116	45	16	to	to	PART
hassl-4116	45	17	analyze	analyze	VERB
hassl-4116	45	18	the	the	DET
hassl-4116	45	19	factors	factor	NOUN
hassl-4116	45	20	behind	behind	ADP
hassl-4116	45	21	these	these	DET
hassl-4116	45	22	declines	decline	NOUN
hassl-4116	45	23	,	,	PUNCT
hassl-4116	45	24	identify	identify	VERB
hassl-4116	45	25	the	the	DET
hassl-4116	45	26	challenges	challenge	NOUN
hassl-4116	45	27	faced	face	VERB
hassl-4116	45	28	by	by	ADP
hassl-4116	45	29	the	the	DET
hassl-4116	45	30	industry	industry	NOUN
hassl-4116	45	31	and	and	CCONJ
hassl-4116	45	32	develop	develop	VERB
hassl-4116	45	33	policies	policy	NOUN
hassl-4116	45	34	to	to	PART
hassl-4116	45	35	ensure	ensure	VERB
hassl-4116	45	36	the	the	DET
hassl-4116	45	37	sustainability	sustainability	NOUN
hassl-4116	45	38	and	and	CCONJ
hassl-4116	45	39	growth	growth	NOUN
hassl-4116	45	40	of	of	ADP
hassl-4116	45	41	the	the	DET
hassl-4116	45	42	fintech	fintech	NOUN
hassl-4116	45	43	sector	sector	NOUN
hassl-4116	45	44	.	.	PUNCT
hassl-4116	46	1	there	there	PRON
hassl-4116	46	2	have	have	AUX
hassl-4116	46	3	been	be	AUX
hassl-4116	46	4	many	many	ADJ
hassl-4116	46	5	studies	study	NOUN
hassl-4116	46	6	advanced	advance	VERB
hassl-4116	46	7	in	in	ADP
hassl-4116	46	8	the	the	DET
hassl-4116	46	9	literature	literature	NOUN
hassl-4116	46	10	investigating	investigate	VERB
hassl-4116	46	11	factors	factor	NOUN
hassl-4116	46	12	that	that	PRON
hassl-4116	46	13	affect	affect	VERB
hassl-4116	46	14	fintech	fintech	NOUN
hassl-4116	46	15	usage	usage	NOUN
hassl-4116	46	16	continuity	continuity	NOUN
hassl-4116	46	17	.	.	PUNCT
hassl-4116	47	1	for	for	ADP
hassl-4116	47	2	instance	instance	NOUN
hassl-4116	47	3	,	,	PUNCT
hassl-4116	47	4	jain	jain	NOUN
hassl-4116	47	5	and	and	CCONJ
hassl-4116	47	6	raman	raman	NOUN
hassl-4116	47	7	(	(	PUNCT
hassl-4116	47	8	2023	2023	NUM
hassl-4116	47	9	)	)	PUNCT
hassl-4116	47	10	found	find	VERB
hassl-4116	47	11	that	that	SCONJ
hassl-4116	47	12	the	the	DET
hassl-4116	47	13	perceived	perceive	VERB
hassl-4116	47	14	benefits	benefit	NOUN
hassl-4116	47	15	factor	factor	NOUN
hassl-4116	47	16	significantly	significantly	ADV
hassl-4116	47	17	influences	influence	VERB
hassl-4116	47	18	the	the	DET
hassl-4116	47	19	continuity	continuity	NOUN
hassl-4116	47	20	of	of	ADP
hassl-4116	47	21	fintech	fintech	NOUN
hassl-4116	47	22	usage	usage	NOUN
hassl-4116	47	23	.	.	PUNCT
hassl-4116	48	1	this	this	DET
hassl-4116	48	2	finding	finding	NOUN
hassl-4116	48	3	was	be	AUX
hassl-4116	48	4	further	far	ADV
hassl-4116	48	5	confirmed	confirm	VERB
hassl-4116	48	6	by	by	ADP
hassl-4116	48	7	alkadi	alkadi	NOUN
hassl-4116	48	8	and	and	CCONJ
hassl-4116	48	9	abed	abe	VERB
hassl-4116	48	10	(	(	PUNCT
hassl-4116	48	11	2023	2023	NUM
hassl-4116	48	12	)	)	PUNCT
hassl-4116	48	13	;	;	PUNCT
hassl-4116	48	14	razzaque	razzaque	VERB
hassl-4116	48	15	et	et	PROPN
hassl-4116	48	16	al	al	PROPN
hassl-4116	48	17	.	.	PROPN
hassl-4116	49	1	(	(	PUNCT
hassl-4116	49	2	2020	2020	NUM
hassl-4116	49	3	)	)	PUNCT
hassl-4116	49	4	;	;	PUNCT
hassl-4116	49	5	akturan	akturan	VERB
hassl-4116	49	6	and	and	CCONJ
hassl-4116	49	7	tezcan	tezcan	ADJ
hassl-4116	49	8	(	(	PUNCT
hassl-4116	49	9	2012	2012	NUM
hassl-4116	49	10	)	)	PUNCT
hassl-4116	49	11	;	;	PUNCT
hassl-4116	49	12	gao	gao	PROPN
hassl-4116	49	13	and	and	CCONJ
hassl-4116	49	14	bai	bai	PROPN
hassl-4116	49	15	(	(	PUNCT
hassl-4116	49	16	2014	2014	NUM
hassl-4116	49	17	)	)	PUNCT
hassl-4116	49	18	;	;	PUNCT
hassl-4116	49	19	hu	hu	PROPN
hassl-4116	49	20	,	,	PUNCT
hassl-4116	49	21	ding	ding	NOUN
hassl-4116	49	22	,	,	PUNCT
hassl-4116	49	23	li	li	PROPN
hassl-4116	49	24	,	,	PUNCT
hassl-4116	49	25	chen	chen	PROPN
hassl-4116	49	26	,	,	PUNCT
hassl-4116	49	27	and	and	CCONJ
hassl-4116	49	28	yang	yang	PROPN
hassl-4116	49	29	(	(	PUNCT
hassl-4116	49	30	2019	2019	NUM
hassl-4116	49	31	)	)	PUNCT
hassl-4116	49	32	and	and	CCONJ
hassl-4116	49	33	ming	ming	PROPN
hassl-4116	49	34	and	and	CCONJ
hassl-4116	49	35	jais	jais	PROPN
hassl-4116	49	36	(	(	PUNCT
hassl-4116	49	37	2022	2022	NUM
hassl-4116	49	38	)	)	PUNCT
hassl-4116	49	39	.	.	PUNCT
hassl-4116	50	1	the	the	DET
hassl-4116	50	2	primary	primary	ADJ
hassl-4116	50	3	reason	reason	NOUN
hassl-4116	50	4	that	that	PRON
hassl-4116	50	5	perceived	perceive	VERB
hassl-4116	50	6	benefits	benefit	NOUN
hassl-4116	50	7	affect	affect	VERB
hassl-4116	50	8	the	the	DET
hassl-4116	50	9	continued	continue	VERB
hassl-4116	50	10	use	use	NOUN
hassl-4116	50	11	of	of	ADP
hassl-4116	50	12	fintech	fintech	NOUN
hassl-4116	50	13	is	be	AUX
hassl-4116	50	14	that	that	SCONJ
hassl-4116	50	15	users	user	NOUN
hassl-4116	50	16	recognize	recognize	VERB
hassl-4116	50	17	fintech	fintech	NOUN
hassl-4116	50	18	as	as	ADP
hassl-4116	50	19	offering	offer	VERB
hassl-4116	50	20	economic	economic	ADJ
hassl-4116	50	21	advantages	advantage	NOUN
hassl-4116	50	22	,	,	PUNCT
hassl-4116	50	23	facilitating	facilitate	VERB
hassl-4116	50	24	seamless	seamless	ADJ
hassl-4116	50	25	transactions	transaction	NOUN
hassl-4116	50	26	and	and	CCONJ
hassl-4116	50	27	providing	provide	VERB
hassl-4116	50	28	convenience	convenience	NOUN
hassl-4116	50	29	.	.	PUNCT
hassl-4116	51	1	the	the	DET
hassl-4116	51	2	economic	economic	ADJ
hassl-4116	51	3	advantage	advantage	NOUN
hassl-4116	51	4	relates	relate	VERB
hassl-4116	51	5	to	to	ADP
hassl-4116	51	6	the	the	DET
hassl-4116	51	7	equilibrium	equilibrium	NOUN
hassl-4116	51	8	between	between	ADP
hassl-4116	51	9	reduced	reduce	VERB
hassl-4116	51	10	financial	financial	ADJ
hassl-4116	51	11	expenses	expense	NOUN
hassl-4116	51	12	and	and	CCONJ
hassl-4116	51	13	the	the	DET
hassl-4116	51	14	financial	financial	ADJ
hassl-4116	51	15	benefits	benefit	NOUN
hassl-4116	51	16	derived	derive	VERB
hassl-4116	51	17	from	from	ADP
hassl-4116	51	18	the	the	DET
hassl-4116	51	19	utilization	utilization	NOUN
hassl-4116	51	20	of	of	ADP
hassl-4116	51	21	fintech	fintech	NOUN
hassl-4116	51	22	.	.	PUNCT
hassl-4116	52	1	a	a	DET
hassl-4116	52	2	seamless	seamless	ADJ
hassl-4116	52	3	transaction	transaction	NOUN
hassl-4116	52	4	represents	represent	VERB
hassl-4116	52	5	an	an	DET
hassl-4116	52	6	improved	improved	ADJ
hassl-4116	52	7	process	process	NOUN
hassl-4116	52	8	in	in	ADP
hassl-4116	52	9	which	which	PRON
hassl-4116	52	10	consumers	consumer	NOUN
hassl-4116	52	11	engage	engage	VERB
hassl-4116	52	12	in	in	ADP
hassl-4116	52	13	swift	swift	ADJ
hassl-4116	52	14	transactions	transaction	NOUN
hassl-4116	52	15	facilitated	facilitate	VERB
hassl-4116	52	16	by	by	ADP
hassl-4116	52	17	accessible	accessible	ADJ
hassl-4116	52	18	and	and	CCONJ
hassl-4116	52	19	sophisticated	sophisticated	ADJ
hassl-4116	52	20	financial	financial	ADJ
hassl-4116	52	21	service	service	NOUN
hassl-4116	52	22	platforms	platform	NOUN
hassl-4116	52	23	,	,	PUNCT
hassl-4116	52	24	thereby	thereby	ADV
hassl-4116	52	25	integrating	integrate	VERB
hassl-4116	52	26	the	the	DET
hassl-4116	52	27	fields	field	NOUN
hassl-4116	52	28	of	of	ADP
hassl-4116	52	29	financial	financial	ADJ
hassl-4116	52	30	institutions	institution	NOUN
hassl-4116	52	31	and	and	CCONJ
hassl-4116	52	32	information	information	NOUN
hassl-4116	52	33	technology	technology	NOUN
hassl-4116	52	34	(	(	PUNCT
hassl-4116	52	35	alkadi	alkadi	NOUN
hassl-4116	52	36	&	&	CCONJ
hassl-4116	52	37	abed	abe	VERB
hassl-4116	52	38	,	,	PUNCT
hassl-4116	52	39	2023	2023	NUM
hassl-4116	52	40	;	;	PUNCT
hassl-4116	52	41	razzaque	razzaque	VERB
hassl-4116	52	42	et	et	PROPN
hassl-4116	52	43	al	al	PROPN
hassl-4116	52	44	.	.	PROPN
hassl-4116	52	45	,	,	PUNCT
hassl-4116	52	46	2020	2020	NUM
hassl-4116	52	47	)	)	PUNCT
hassl-4116	52	48	.	.	PUNCT
hassl-4116	53	1	in	in	ADP
hassl-4116	53	2	addition	addition	NOUN
hassl-4116	53	3	to	to	ADP
hassl-4116	53	4	the	the	DET
hassl-4116	53	5	perceived	perceive	VERB
hassl-4116	53	6	benefits	benefit	NOUN
hassl-4116	53	7	,	,	PUNCT
hassl-4116	53	8	perceived	perceive	VERB
hassl-4116	53	9	risk	risk	NOUN
hassl-4116	53	10	factors	factor	NOUN
hassl-4116	53	11	,	,	PUNCT
hassl-4116	53	12	especially	especially	ADV
hassl-4116	53	13	legal	legal	ADJ
hassl-4116	53	14	risks	risk	NOUN
hassl-4116	53	15	significantly	significantly	ADV
hassl-4116	53	16	influence	influence	VERB
hassl-4116	53	17	the	the	DET
hassl-4116	53	18	continued	continue	VERB
hassl-4116	53	19	use	use	NOUN
hassl-4116	53	20	of	of	ADP
hassl-4116	53	21	fintech	fintech	NOUN
hassl-4116	53	22	.	.	PUNCT
hassl-4116	54	1	the	the	DET
hassl-4116	54	2	perceived	perceive	VERB
hassl-4116	54	3	risk	risk	NOUN
hassl-4116	54	4	encompasses	encompass	VERB
hassl-4116	54	5	the	the	DET
hassl-4116	54	6	possibility	possibility	NOUN
hassl-4116	54	7	of	of	ADP
hassl-4116	54	8	data	datum	NOUN
hassl-4116	54	9	loss	loss	NOUN
hassl-4116	54	10	and	and	CCONJ
hassl-4116	54	11	the	the	DET
hassl-4116	54	12	uncertainties	uncertainty	NOUN
hassl-4116	54	13	linked	link	VERB
hassl-4116	54	14	to	to	ADP
hassl-4116	54	15	the	the	DET
hassl-4116	54	16	adoption	adoption	NOUN
hassl-4116	54	17	of	of	ADP
hassl-4116	54	18	new	new	ADJ
hassl-4116	54	19	technology	technology	NOUN
hassl-4116	54	20	(	(	PUNCT
hassl-4116	54	21	gefen	gefen	NOUN
hassl-4116	54	22	,	,	PUNCT
hassl-4116	54	23	srinivasan	srinivasan	PROPN
hassl-4116	54	24	rao	rao	PROPN
hassl-4116	54	25	,	,	PUNCT
hassl-4116	54	26	&	&	CCONJ
hassl-4116	54	27	tractinsky	tractinsky	NOUN
hassl-4116	54	28	,	,	PUNCT
hassl-4116	54	29	2003	2003	NUM
hassl-4116	54	30	;	;	PUNCT
hassl-4116	54	31	hutapea	hutapea	PROPN
hassl-4116	54	32	&	&	CCONJ
hassl-4116	54	33	wijaya	wijaya	PROPN
hassl-4116	54	34	,	,	PUNCT
hassl-4116	54	35	2021	2021	NUM
hassl-4116	54	36	;	;	PUNCT
hassl-4116	54	37	li	li	PROPN
hassl-4116	54	38	,	,	PUNCT
hassl-4116	54	39	khaliq	khaliq	ADV
hassl-4116	54	40	,	,	PUNCT
hassl-4116	54	41	chinove	chinove	NOUN
hassl-4116	54	42	,	,	PUNCT
hassl-4116	54	43	khaliq	khaliq	ADV
hassl-4116	54	44	,	,	PUNCT
hassl-4116	54	45	&	&	CCONJ
hassl-4116	54	46	oláh	oláh	PROPN
hassl-4116	54	47	,	,	PUNCT
hassl-4116	54	48	2023	2023	NUM
hassl-4116	54	49	;	;	PUNCT
hassl-4116	54	50	tang	tang	PROPN
hassl-4116	54	51	,	,	PUNCT
hassl-4116	54	52	ooi	ooi	PROPN
hassl-4116	54	53	,	,	PUNCT
hassl-4116	54	54	&	&	CCONJ
hassl-4116	54	55	chong	chong	PROPN
hassl-4116	54	56	,	,	PUNCT
hassl-4116	54	57	2020	2020	NUM
hassl-4116	54	58	;	;	PUNCT
hassl-4116	54	59	zhang	zhang	PROPN
hassl-4116	54	60	&	&	CCONJ
hassl-4116	54	61	yu	yu	PROPN
hassl-4116	54	62	,	,	PUNCT
hassl-4116	54	63	2020	2020	NUM
hassl-4116	54	64	)	)	PUNCT
hassl-4116	54	65	.	.	PUNCT
hassl-4116	55	1	according	accord	VERB
hassl-4116	55	2	to	to	ADP
hassl-4116	55	3	hutapea	hutapea	PROPN
hassl-4116	55	4	and	and	CCONJ
hassl-4116	55	5	wijaya	wijaya	PROPN
hassl-4116	55	6	(	(	PUNCT
hassl-4116	55	7	2021	2021	NUM
hassl-4116	55	8	)	)	PUNCT
hassl-4116	55	9	;	;	PUNCT
hassl-4116	55	10	li	li	PROPN
hassl-4116	55	11	et	et	PROPN
hassl-4116	55	12	al	al	PROPN
hassl-4116	55	13	.	.	PROPN
hassl-4116	55	14	(	(	PUNCT
hassl-4116	55	15	2023	2023	NUM
hassl-4116	55	16	)	)	PUNCT
hassl-4116	55	17	and	and	CCONJ
hassl-4116	55	18	tang	tang	INTJ
hassl-4116	55	19	et	et	PROPN
hassl-4116	55	20	al	al	PROPN
hassl-4116	55	21	.	.	PROPN
hassl-4116	56	1	(	(	PUNCT
hassl-4116	56	2	2020	2020	NUM
hassl-4116	56	3	)	)	PUNCT
hassl-4116	56	4	the	the	DET
hassl-4116	56	5	categories	category	NOUN
hassl-4116	56	6	of	of	ADP
hassl-4116	56	7	perceived	perceive	VERB
hassl-4116	56	8	risk	risk	NOUN
hassl-4116	56	9	associated	associate	VERB
hassl-4116	56	10	with	with	ADP
hassl-4116	56	11	fintech	fintech	NOUN
hassl-4116	56	12	are	be	AUX
hassl-4116	56	13	as	as	SCONJ
hassl-4116	56	14	follows	follow	VERB
hassl-4116	56	15	:	:	PUNCT
hassl-4116	56	16	(	(	PUNCT
hassl-4116	56	17	1	1	X
hassl-4116	56	18	)	)	PUNCT
hassl-4116	56	19	security	security	NOUN
hassl-4116	56	20	risk	risk	NOUN
hassl-4116	56	21	which	which	PRON
hassl-4116	56	22	pertains	pertain	VERB
hassl-4116	56	23	to	to	ADP
hassl-4116	56	24	the	the	DET
hassl-4116	56	25	protection	protection	NOUN
hassl-4116	56	26	of	of	ADP
hassl-4116	56	27	personal	personal	ADJ
hassl-4116	56	28	data	datum	NOUN
hassl-4116	56	29	and	and	CCONJ
hassl-4116	56	30	transactions	transaction	NOUN
hassl-4116	56	31	from	from	ADP
hassl-4116	56	32	threats	threat	NOUN
hassl-4116	56	33	such	such	ADJ
hassl-4116	56	34	as	as	ADP
hassl-4116	56	35	hacking	hack	VERB
hassl-4116	56	36	,	,	PUNCT
hassl-4116	56	37	data	datum	NOUN
hassl-4116	56	38	theft	theft	NOUN
hassl-4116	56	39	,	,	PUNCT
hassl-4116	56	40	or	or	CCONJ
hassl-4116	56	41	misuse	misuse	NOUN
hassl-4116	56	42	.	.	PUNCT
hassl-4116	57	1	(	(	PUNCT
hassl-4116	57	2	2	2	X
hassl-4116	57	3	)	)	PUNCT
hassl-4116	57	4	financial	financial	ADJ
hassl-4116	57	5	risk	risk	NOUN
hassl-4116	57	6	which	which	PRON
hassl-4116	57	7	concerns	concern	VERB
hassl-4116	57	8	potential	potential	ADJ
hassl-4116	57	9	monetary	monetary	ADJ
hassl-4116	57	10	losses	loss	NOUN
hassl-4116	57	11	arising	arise	VERB
hassl-4116	57	12	from	from	ADP
hassl-4116	57	13	hidden	hidden	ADJ
hassl-4116	57	14	costs	cost	NOUN
hassl-4116	57	15	,	,	PUNCT
hassl-4116	57	16	fraud	fraud	NOUN
hassl-4116	57	17	,	,	PUNCT
hassl-4116	57	18	or	or	CCONJ
hassl-4116	57	19	transaction	transaction	NOUN
hassl-4116	57	20	discrepancies	discrepancy	NOUN
hassl-4116	57	21	.	.	PUNCT
hassl-4116	58	1	(	(	PUNCT
hassl-4116	58	2	3	3	X
hassl-4116	58	3	)	)	PUNCT
hassl-4116	58	4	performance	performance	NOUN
hassl-4116	58	5	risk	risk	NOUN
hassl-4116	58	6	which	which	PRON
hassl-4116	58	7	relates	relate	VERB
hassl-4116	58	8	to	to	ADP
hassl-4116	58	9	the	the	DET
hassl-4116	58	10	service	service	NOUN
hassl-4116	58	11	's	's	PART
hassl-4116	58	12	inability	inability	NOUN
hassl-4116	58	13	to	to	PART
hassl-4116	58	14	meet	meet	VERB
hassl-4116	58	15	expectations	expectation	NOUN
hassl-4116	58	16	,	,	PUNCT
hassl-4116	58	17	humanities	humanity	NOUN
hassl-4116	58	18	and	and	CCONJ
hassl-4116	58	19	social	social	ADJ
hassl-4116	58	20	sciences	science	NOUN
hassl-4116	58	21	letters	letter	NOUN
hassl-4116	58	22	,	,	PUNCT
hassl-4116	58	23	2025	2025	NUM
hassl-4116	58	24	,	,	PUNCT
hassl-4116	58	25	13(2	13(2	NUM
hassl-4116	58	26	):	):	PUNCT
hassl-4116	58	27	409	409	NUM
hassl-4116	58	28	-	-	SYM
hassl-4116	58	29	427	427	NUM
hassl-4116	58	30	411	411	NUM
hassl-4116	58	31	©	©	PROPN
hassl-4116	58	32	2025	2025	NUM
hassl-4116	58	33	conscientia	conscientia	PROPN
hassl-4116	58	34	beam	beam	PROPN
hassl-4116	58	35	.	.	PUNCT
hassl-4116	59	1	all	all	DET
hassl-4116	59	2	rights	right	NOUN
hassl-4116	59	3	reserved	reserve	VERB
hassl-4116	59	4	.	.	PUNCT
hassl-4116	60	1	including	include	VERB
hassl-4116	60	2	system	system	NOUN
hassl-4116	60	3	malfunctions	malfunction	NOUN
hassl-4116	60	4	or	or	CCONJ
hassl-4116	60	5	transaction	transaction	NOUN
hassl-4116	60	6	problems	problem	NOUN
hassl-4116	60	7	.	.	PUNCT
hassl-4116	61	1	(	(	PUNCT
hassl-4116	61	2	4	4	X
hassl-4116	61	3	)	)	PUNCT
hassl-4116	61	4	privacy	privacy	NOUN
hassl-4116	61	5	risk	risk	NOUN
hassl-4116	61	6	which	which	PRON
hassl-4116	61	7	involves	involve	VERB
hassl-4116	61	8	the	the	DET
hassl-4116	61	9	possible	possible	ADJ
hassl-4116	61	10	misuse	misuse	NOUN
hassl-4116	61	11	of	of	ADP
hassl-4116	61	12	personal	personal	ADJ
hassl-4116	61	13	information	information	NOUN
hassl-4116	61	14	such	such	ADJ
hassl-4116	61	15	as	as	ADP
hassl-4116	61	16	identity	identity	NOUN
hassl-4116	61	17	and	and	CCONJ
hassl-4116	61	18	transaction	transaction	NOUN
hassl-4116	61	19	details	detail	NOUN
hassl-4116	61	20	.	.	PUNCT
hassl-4116	62	1	(	(	PUNCT
hassl-4116	62	2	5	5	X
hassl-4116	62	3	)	)	PUNCT
hassl-4116	62	4	legal	legal	ADJ
hassl-4116	62	5	risk	risk	NOUN
hassl-4116	62	6	which	which	PRON
hassl-4116	62	7	is	be	AUX
hassl-4116	62	8	connected	connect	VERB
hassl-4116	62	9	to	to	ADP
hassl-4116	62	10	uncertainties	uncertainty	NOUN
hassl-4116	62	11	regarding	regard	VERB
hassl-4116	62	12	regulations	regulation	NOUN
hassl-4116	62	13	and	and	CCONJ
hassl-4116	62	14	legal	legal	ADJ
hassl-4116	62	15	protections	protection	NOUN
hassl-4116	62	16	for	for	ADP
hassl-4116	62	17	users	user	NOUN
hassl-4116	62	18	of	of	ADP
hassl-4116	62	19	fintech	fintech	NOUN
hassl-4116	62	20	services	service	NOUN
hassl-4116	62	21	.	.	PUNCT
hassl-4116	63	1	among	among	ADP
hassl-4116	63	2	these	these	DET
hassl-4116	63	3	risk	risk	NOUN
hassl-4116	63	4	categories	category	NOUN
hassl-4116	63	5	,	,	PUNCT
hassl-4116	63	6	financial	financial	ADJ
hassl-4116	63	7	and	and	CCONJ
hassl-4116	63	8	security	security	NOUN
hassl-4116	63	9	risks	risk	NOUN
hassl-4116	63	10	have	have	VERB
hassl-4116	63	11	an	an	DET
hassl-4116	63	12	adverse	adverse	ADJ
hassl-4116	63	13	impact	impact	NOUN
hassl-4116	63	14	on	on	ADP
hassl-4116	63	15	the	the	DET
hassl-4116	63	16	intent	intent	NOUN
hassl-4116	63	17	to	to	PART
hassl-4116	63	18	consistently	consistently	ADV
hassl-4116	63	19	utilize	utilize	VERB
hassl-4116	63	20	fintech	fintech	NOUN
hassl-4116	63	21	services	service	NOUN
hassl-4116	63	22	(	(	PUNCT
hassl-4116	63	23	abd	abd	PROPN
hassl-4116	63	24	malik	malik	PROPN
hassl-4116	63	25	&	&	CCONJ
hassl-4116	63	26	syed	syed	PROPN
hassl-4116	63	27	annuar	annuar	PROPN
hassl-4116	63	28	,	,	PUNCT
hassl-4116	63	29	2019	2019	NUM
hassl-4116	63	30	;	;	PUNCT
hassl-4116	63	31	diana	diana	PROPN
hassl-4116	63	32	&	&	CCONJ
hassl-4116	63	33	leon	leon	PROPN
hassl-4116	63	34	,	,	PUNCT
hassl-4116	63	35	2020	2020	NUM
hassl-4116	63	36	;	;	PUNCT
hassl-4116	63	37	forsythe	forsythe	PROPN
hassl-4116	63	38	,	,	PUNCT
hassl-4116	63	39	liu	liu	PROPN
hassl-4116	63	40	,	,	PUNCT
hassl-4116	63	41	shannon	shannon	PROPN
hassl-4116	63	42	,	,	PUNCT
hassl-4116	63	43	&	&	CCONJ
hassl-4116	63	44	gardner	gardner	PROPN
hassl-4116	63	45	,	,	PUNCT
hassl-4116	63	46	2006	2006	NUM
hassl-4116	63	47	;	;	PUNCT
hassl-4116	63	48	gerlach	gerlach	PROPN
hassl-4116	63	49	&	&	CCONJ
hassl-4116	63	50	lutz	lutz	PROPN
hassl-4116	63	51	,	,	PUNCT
hassl-4116	63	52	2019	2019	NUM
hassl-4116	63	53	;	;	PUNCT
hassl-4116	63	54	mufarih	mufarih	NOUN
hassl-4116	63	55	,	,	PUNCT
hassl-4116	63	56	jayadi	jayadi	NOUN
hassl-4116	63	57	,	,	PUNCT
hassl-4116	63	58	&	&	CCONJ
hassl-4116	63	59	sugandi	sugandi	PROPN
hassl-4116	63	60	,	,	PUNCT
hassl-4116	63	61	2020	2020	NUM
hassl-4116	63	62	;	;	PUNCT
hassl-4116	63	63	putritama	putritama	NOUN
hassl-4116	63	64	,	,	PUNCT
hassl-4116	63	65	2019	2019	NUM
hassl-4116	63	66	;	;	PUNCT
hassl-4116	63	67	tanadi	tanadi	NOUN
hassl-4116	63	68	,	,	PUNCT
hassl-4116	63	69	samadi	samadi	NOUN
hassl-4116	63	70	,	,	PUNCT
hassl-4116	63	71	&	&	CCONJ
hassl-4116	63	72	gharleghi	gharleghi	PROPN
hassl-4116	63	73	,	,	PUNCT
hassl-4116	63	74	2015	2015	NUM
hassl-4116	63	75	)	)	PUNCT
hassl-4116	63	76	.	.	PUNCT
hassl-4116	64	1	as	as	ADP
hassl-4116	64	2	a	a	DET
hassl-4116	64	3	result	result	NOUN
hassl-4116	64	4	,	,	PUNCT
hassl-4116	64	5	perceived	perceive	VERB
hassl-4116	64	6	benefits	benefit	NOUN
hassl-4116	64	7	enhance	enhance	VERB
hassl-4116	64	8	retention	retention	NOUN
hassl-4116	64	9	whereas	whereas	SCONJ
hassl-4116	64	10	perceived	perceive	VERB
hassl-4116	64	11	risks	risk	NOUN
hassl-4116	64	12	,	,	PUNCT
hassl-4116	64	13	especially	especially	ADV
hassl-4116	64	14	among	among	ADP
hassl-4116	64	15	female	female	ADJ
hassl-4116	64	16	users	user	NOUN
hassl-4116	64	17	,	,	PUNCT
hassl-4116	64	18	might	might	AUX
hassl-4116	64	19	reduce	reduce	VERB
hassl-4116	64	20	the	the	DET
hassl-4116	64	21	intention	intention	NOUN
hassl-4116	64	22	(	(	PUNCT
hassl-4116	64	23	nurlaily	nurlaily	ADV
hassl-4116	64	24	,	,	PUNCT
hassl-4116	64	25	aini	aini	PROPN
hassl-4116	64	26	,	,	PUNCT
hassl-4116	64	27	&	&	CCONJ
hassl-4116	64	28	asmoro	asmoro	NOUN
hassl-4116	64	29	,	,	PUNCT
hassl-4116	64	30	2021	2021	NUM
hassl-4116	64	31	)	)	PUNCT
hassl-4116	64	32	.	.	PUNCT
hassl-4116	65	1	customers	customer	NOUN
hassl-4116	65	2	tend	tend	VERB
hassl-4116	65	3	to	to	PART
hassl-4116	65	4	interact	interact	VERB
hassl-4116	65	5	with	with	ADP
hassl-4116	65	6	a	a	DET
hassl-4116	65	7	service	service	NOUN
hassl-4116	65	8	when	when	SCONJ
hassl-4116	65	9	they	they	PRON
hassl-4116	65	10	perceive	perceive	VERB
hassl-4116	65	11	that	that	SCONJ
hassl-4116	65	12	the	the	DET
hassl-4116	65	13	advantages	advantage	NOUN
hassl-4116	65	14	outweigh	outweigh	VERB
hassl-4116	65	15	the	the	DET
hassl-4116	65	16	associated	associated	ADJ
hassl-4116	65	17	risks	risk	NOUN
hassl-4116	65	18	(	(	PUNCT
hassl-4116	65	19	ryu	ryu	ADJ
hassl-4116	65	20	,	,	PUNCT
hassl-4116	65	21	2018	2018	NUM
hassl-4116	65	22	)	)	PUNCT
hassl-4116	65	23	.	.	PUNCT
hassl-4116	66	1	according	accord	VERB
hassl-4116	66	2	to	to	ADP
hassl-4116	66	3	bergmann	bergmann	PROPN
hassl-4116	66	4	,	,	PUNCT
hassl-4116	66	5	maçada	maçada	PROPN
hassl-4116	66	6	,	,	PUNCT
hassl-4116	66	7	de	de	PROPN
hassl-4116	66	8	oliveira	oliveira	PROPN
hassl-4116	66	9	santini	santini	PROPN
hassl-4116	66	10	,	,	PUNCT
hassl-4116	66	11	and	and	CCONJ
hassl-4116	66	12	rasul	rasul	NOUN
hassl-4116	66	13	(	(	PUNCT
hassl-4116	66	14	2023	2023	NUM
hassl-4116	66	15	)	)	PUNCT
hassl-4116	66	16	besides	besides	SCONJ
hassl-4116	66	17	perceived	perceive	VERB
hassl-4116	66	18	benefits	benefit	NOUN
hassl-4116	66	19	and	and	CCONJ
hassl-4116	66	20	perceived	perceive	VERB
hassl-4116	66	21	risks	risk	NOUN
hassl-4116	66	22	,	,	PUNCT
hassl-4116	66	23	the	the	DET
hassl-4116	66	24	continuation	continuation	NOUN
hassl-4116	66	25	of	of	ADP
hassl-4116	66	26	fintech	fintech	NOUN
hassl-4116	66	27	is	be	AUX
hassl-4116	66	28	influenced	influence	VERB
hassl-4116	66	29	by	by	ADP
hassl-4116	66	30	its	its	PRON
hassl-4116	66	31	perceived	perceive	VERB
hassl-4116	66	32	ease	ease	NOUN
hassl-4116	66	33	of	of	ADP
hassl-4116	66	34	use	use	NOUN
hassl-4116	66	35	and	and	CCONJ
hassl-4116	66	36	perceived	perceive	VERB
hassl-4116	66	37	usefulness	usefulness	NOUN
hassl-4116	66	38	.	.	PUNCT
hassl-4116	67	1	however	however	ADV
hassl-4116	67	2	,	,	PUNCT
hassl-4116	67	3	these	these	DET
hassl-4116	67	4	two	two	NUM
hassl-4116	67	5	factors	factor	NOUN
hassl-4116	67	6	influence	influence	VERB
hassl-4116	67	7	the	the	DET
hassl-4116	67	8	persistence	persistence	NOUN
hassl-4116	67	9	of	of	ADP
hassl-4116	67	10	fintech	fintech	NOUN
hassl-4116	67	11	when	when	SCONJ
hassl-4116	67	12	mediated	mediate	VERB
hassl-4116	67	13	by	by	ADP
hassl-4116	67	14	user	user	NOUN
hassl-4116	67	15	satisfaction	satisfaction	NOUN
hassl-4116	67	16	and	and	CCONJ
hassl-4116	67	17	trust	trust	NOUN
hassl-4116	67	18	.	.	PUNCT
hassl-4116	68	1	furthermore	furthermore	ADV
hassl-4116	68	2	,	,	PUNCT
hassl-4116	68	3	it	it	PRON
hassl-4116	68	4	was	be	AUX
hassl-4116	68	5	found	find	VERB
hassl-4116	68	6	that	that	SCONJ
hassl-4116	68	7	in	in	ADP
hassl-4116	68	8	western	western	ADJ
hassl-4116	68	9	countries	country	NOUN
hassl-4116	68	10	,	,	PUNCT
hassl-4116	68	11	satisfaction	satisfaction	NOUN
hassl-4116	68	12	plays	play	VERB
hassl-4116	68	13	a	a	DET
hassl-4116	68	14	significant	significant	ADJ
hassl-4116	68	15	role	role	NOUN
hassl-4116	68	16	in	in	ADP
hassl-4116	68	17	the	the	DET
hassl-4116	68	18	continued	continue	VERB
hassl-4116	68	19	use	use	NOUN
hassl-4116	68	20	of	of	ADP
hassl-4116	68	21	fintech	fintech	NOUN
hassl-4116	68	22	which	which	PRON
hassl-4116	68	23	is	be	AUX
hassl-4116	68	24	marked	mark	VERB
hassl-4116	68	25	by	by	ADP
hassl-4116	68	26	high	high	ADJ
hassl-4116	68	27	human	human	PROPN
hassl-4116	68	28	development	development	PROPN
hassl-4116	68	29	index	index	NOUN
hassl-4116	68	30	levels	level	NOUN
hassl-4116	68	31	and	and	CCONJ
hassl-4116	68	32	greater	great	ADJ
hassl-4116	68	33	use	use	NOUN
hassl-4116	68	34	of	of	ADP
hassl-4116	68	35	electronic	electronic	ADJ
hassl-4116	68	36	payments	payment	NOUN
hassl-4116	68	37	.	.	PUNCT
hassl-4116	69	1	among	among	ADP
hassl-4116	69	2	these	these	DET
hassl-4116	69	3	two	two	NUM
hassl-4116	69	4	factors	factor	NOUN
hassl-4116	69	5	,	,	PUNCT
hassl-4116	69	6	the	the	DET
hassl-4116	69	7	perceived	perceive	VERB
hassl-4116	69	8	ease	ease	NOUN
hassl-4116	69	9	of	of	ADP
hassl-4116	69	10	use	use	NOUN
hassl-4116	69	11	is	be	AUX
hassl-4116	69	12	identified	identify	VERB
hassl-4116	69	13	as	as	ADP
hassl-4116	69	14	the	the	DET
hassl-4116	69	15	primary	primary	ADJ
hassl-4116	69	16	driver	driver	NOUN
hassl-4116	69	17	of	of	ADP
hassl-4116	69	18	continued	continue	VERB
hassl-4116	69	19	fintech	fintech	NOUN
hassl-4116	69	20	usage	usage	NOUN
hassl-4116	69	21	(	(	PUNCT
hassl-4116	69	22	davis	davis	PROPN
hassl-4116	69	23	,	,	PUNCT
hassl-4116	69	24	1989	1989	NUM
hassl-4116	69	25	;	;	PUNCT
hassl-4116	69	26	hu	hu	PROPN
hassl-4116	69	27	et	et	PROPN
hassl-4116	69	28	al	al	PROPN
hassl-4116	69	29	.	.	PROPN
hassl-4116	69	30	,	,	PUNCT
hassl-4116	69	31	2019	2019	NUM
hassl-4116	69	32	;	;	PUNCT
hassl-4116	69	33	kanchanatanee	kanchanatanee	NOUN
hassl-4116	69	34	,	,	PUNCT
hassl-4116	69	35	suwanno	suwanno	ADJ
hassl-4116	69	36	,	,	PUNCT
hassl-4116	69	37	&	&	CCONJ
hassl-4116	69	38	jarernvongrayab	jarernvongrayab	PROPN
hassl-4116	69	39	,	,	PUNCT
hassl-4116	69	40	2014	2014	NUM
hassl-4116	69	41	;	;	PUNCT
hassl-4116	69	42	niu	niu	PROPN
hassl-4116	69	43	,	,	PUNCT
hassl-4116	69	44	wang	wang	PROPN
hassl-4116	69	45	,	,	PUNCT
hassl-4116	69	46	&	&	CCONJ
hassl-4116	69	47	zhou	zhou	PROPN
hassl-4116	69	48	,	,	PUNCT
hassl-4116	69	49	2022	2022	NUM
hassl-4116	69	50	;	;	PUNCT
hassl-4116	69	51	nugraha	nugraha	NOUN
hassl-4116	69	52	,	,	PUNCT
hassl-4116	69	53	setiawan	setiawan	PROPN
hassl-4116	69	54	,	,	PUNCT
hassl-4116	69	55	nathan	nathan	PROPN
hassl-4116	69	56	,	,	PUNCT
hassl-4116	69	57	&	&	CCONJ
hassl-4116	69	58	fekete	fekete	PROPN
hassl-4116	69	59	-	-	PUNCT
hassl-4116	69	60	farkas	farkas	PROPN
hassl-4116	69	61	,	,	PUNCT
hassl-4116	69	62	2022	2022	NUM
hassl-4116	69	63	;	;	PUNCT
hassl-4116	69	64	pambudi	pambudi	ADJ
hassl-4116	69	65	,	,	PUNCT
hassl-4116	69	66	roswinanto	roswinanto	NOUN
hassl-4116	69	67	,	,	PUNCT
hassl-4116	69	68	&	&	CCONJ
hassl-4116	69	69	meiria	meiria	PROPN
hassl-4116	69	70	,	,	PUNCT
hassl-4116	69	71	2023	2023	NUM
hassl-4116	69	72	)	)	PUNCT
hassl-4116	69	73	.	.	PUNCT
hassl-4116	70	1	studies	study	NOUN
hassl-4116	70	2	that	that	PRON
hassl-4116	70	3	addressed	address	VERB
hassl-4116	70	4	the	the	DET
hassl-4116	70	5	importance	importance	NOUN
hassl-4116	70	6	of	of	ADP
hassl-4116	70	7	perceived	perceive	VERB
hassl-4116	70	8	usefulness	usefulness	NOUN
hassl-4116	70	9	include	include	VERB
hassl-4116	70	10	the	the	DET
hassl-4116	70	11	works	work	NOUN
hassl-4116	70	12	of	of	ADP
hassl-4116	70	13	bangkara	bangkara	NOUN
hassl-4116	70	14	and	and	CCONJ
hassl-4116	70	15	mimba	mimba	ADJ
hassl-4116	70	16	(	(	PUNCT
hassl-4116	70	17	2016	2016	NUM
hassl-4116	70	18	)	)	PUNCT
hassl-4116	70	19	;	;	PUNCT
hassl-4116	70	20	davis	davis	PROPN
hassl-4116	70	21	(	(	PUNCT
hassl-4116	70	22	1985	1985	NUM
hassl-4116	70	23	)	)	PUNCT
hassl-4116	70	24	;	;	PUNCT
hassl-4116	70	25	gao	gao	PROPN
hassl-4116	70	26	and	and	CCONJ
hassl-4116	70	27	bai	bai	PROPN
hassl-4116	70	28	(	(	PUNCT
hassl-4116	70	29	2014	2014	NUM
hassl-4116	70	30	)	)	PUNCT
hassl-4116	70	31	;	;	PUNCT
hassl-4116	70	32	hu	hu	PROPN
hassl-4116	70	33	et	et	PROPN
hassl-4116	70	34	al	al	PROPN
hassl-4116	70	35	.	.	PROPN
hassl-4116	71	1	(	(	PUNCT
hassl-4116	71	2	2019	2019	NUM
hassl-4116	71	3	)	)	PUNCT
hassl-4116	71	4	;	;	PUNCT
hassl-4116	71	5	jangir	jangir	X
hassl-4116	71	6	,	,	PUNCT
hassl-4116	71	7	sharma	sharma	NOUN
hassl-4116	71	8	,	,	PUNCT
hassl-4116	71	9	taneja	taneja	ADV
hassl-4116	71	10	,	,	PUNCT
hassl-4116	71	11	and	and	CCONJ
hassl-4116	71	12	rupeika	rupeika	NOUN
hassl-4116	71	13	-	-	PUNCT
hassl-4116	71	14	apoga	apoga	NOUN
hassl-4116	71	15	(	(	PUNCT
hassl-4116	71	16	2022	2022	NUM
hassl-4116	71	17	)	)	PUNCT
hassl-4116	71	18	and	and	CCONJ
hassl-4116	71	19	mufarih	mufarih	VERB
hassl-4116	71	20	et	et	PROPN
hassl-4116	71	21	al	al	PROPN
hassl-4116	71	22	.	.	PROPN
hassl-4116	72	1	(	(	PUNCT
hassl-4116	72	2	2020	2020	NUM
hassl-4116	72	3	)	)	PUNCT
hassl-4116	72	4	.	.	PUNCT
hassl-4116	73	1	bangkara	bangkara	NOUN
hassl-4116	73	2	and	and	CCONJ
hassl-4116	73	3	mimba	mimba	PROPN
hassl-4116	73	4	(	(	PUNCT
hassl-4116	73	5	2016	2016	NUM
hassl-4116	73	6	)	)	PUNCT
hassl-4116	73	7	and	and	CCONJ
hassl-4116	73	8	mufarih	mufarih	VERB
hassl-4116	73	9	et	et	PROPN
hassl-4116	73	10	al	al	PROPN
hassl-4116	73	11	.	.	PROPN
hassl-4116	74	1	(	(	PUNCT
hassl-4116	74	2	2020	2020	NUM
hassl-4116	74	3	)	)	PUNCT
hassl-4116	74	4	show	show	VERB
hassl-4116	74	5	that	that	SCONJ
hassl-4116	74	6	if	if	SCONJ
hassl-4116	74	7	users	user	NOUN
hassl-4116	74	8	perceive	perceive	VERB
hassl-4116	74	9	fintech	fintech	NOUN
hassl-4116	74	10	as	as	ADP
hassl-4116	74	11	user	user	NOUN
hassl-4116	74	12	-	-	PUNCT
hassl-4116	74	13	friendly	friendly	ADJ
hassl-4116	74	14	,	,	PUNCT
hassl-4116	74	15	they	they	PRON
hassl-4116	74	16	are	be	AUX
hassl-4116	74	17	more	more	ADV
hassl-4116	74	18	likely	likely	ADJ
hassl-4116	74	19	to	to	PART
hassl-4116	74	20	continue	continue	VERB
hassl-4116	74	21	using	use	VERB
hassl-4116	74	22	it	it	PRON
hassl-4116	74	23	.	.	PUNCT
hassl-4116	75	1	the	the	DET
hassl-4116	75	2	perceived	perceive	VERB
hassl-4116	75	3	ease	ease	NOUN
hassl-4116	75	4	of	of	ADP
hassl-4116	75	5	use	use	NOUN
hassl-4116	75	6	and	and	CCONJ
hassl-4116	75	7	perceived	perceive	VERB
hassl-4116	75	8	usefulness	usefulness	NOUN
hassl-4116	75	9	are	be	AUX
hassl-4116	75	10	essential	essential	ADJ
hassl-4116	75	11	factors	factor	NOUN
hassl-4116	75	12	influencing	influence	VERB
hassl-4116	75	13	fintech	fintech	NOUN
hassl-4116	75	14	users	user	NOUN
hassl-4116	75	15	'	'	PART
hassl-4116	75	16	decisions	decision	NOUN
hassl-4116	75	17	to	to	PART
hassl-4116	75	18	continue	continue	VERB
hassl-4116	75	19	utilizing	utilize	VERB
hassl-4116	75	20	fintech	fintech	NOUN
hassl-4116	75	21	services	service	NOUN
hassl-4116	75	22	.	.	PUNCT
hassl-4116	76	1	however	however	ADV
hassl-4116	76	2	,	,	PUNCT
hassl-4116	76	3	perceived	perceive	VERB
hassl-4116	76	4	benefits	benefit	NOUN
hassl-4116	76	5	,	,	PUNCT
hassl-4116	76	6	risks	risk	NOUN
hassl-4116	76	7	,	,	PUNCT
hassl-4116	76	8	ease	ease	NOUN
hassl-4116	76	9	of	of	ADP
hassl-4116	76	10	use	use	NOUN
hassl-4116	76	11	,	,	PUNCT
hassl-4116	76	12	and	and	CCONJ
hassl-4116	76	13	usefulness	usefulness	NOUN
hassl-4116	76	14	also	also	ADV
hassl-4116	76	15	affect	affect	VERB
hassl-4116	76	16	the	the	DET
hassl-4116	76	17	adoption	adoption	NOUN
hassl-4116	76	18	of	of	ADP
hassl-4116	76	19	fintech	fintech	NOUN
hassl-4116	76	20	usage	usage	NOUN
hassl-4116	76	21	.	.	PUNCT
hassl-4116	77	1	studies	study	NOUN
hassl-4116	77	2	that	that	PRON
hassl-4116	77	3	confirm	confirm	VERB
hassl-4116	77	4	a	a	DET
hassl-4116	77	5	direct	direct	ADJ
hassl-4116	77	6	relationship	relationship	NOUN
hassl-4116	77	7	between	between	ADP
hassl-4116	77	8	perceived	perceive	VERB
hassl-4116	77	9	benefits	benefit	NOUN
hassl-4116	77	10	and	and	CCONJ
hassl-4116	77	11	fintech	fintech	NOUN
hassl-4116	77	12	usage	usage	NOUN
hassl-4116	77	13	adoption	adoption	NOUN
hassl-4116	77	14	include	include	VERB
hassl-4116	77	15	davis	davis	PROPN
hassl-4116	77	16	(	(	PUNCT
hassl-4116	77	17	1985	1985	NUM
hassl-4116	77	18	)	)	PUNCT
hassl-4116	77	19	;	;	PUNCT
hassl-4116	77	20	davis	davis	PROPN
hassl-4116	77	21	(	(	PUNCT
hassl-4116	77	22	1989	1989	NUM
hassl-4116	77	23	)	)	PUNCT
hassl-4116	77	24	;	;	PUNCT
hassl-4116	77	25	gan	gan	PROPN
hassl-4116	77	26	and	and	CCONJ
hassl-4116	77	27	wang	wang	PROPN
hassl-4116	77	28	(	(	PUNCT
hassl-4116	77	29	2017	2017	NUM
hassl-4116	77	30	)	)	PUNCT
hassl-4116	77	31	;	;	PUNCT
hassl-4116	77	32	banna	banna	PROPN
hassl-4116	77	33	,	,	PUNCT
hassl-4116	77	34	hassan	hassan	PROPN
hassl-4116	77	35	,	,	PUNCT
hassl-4116	77	36	ahmad	ahmad	PROPN
hassl-4116	77	37	,	,	PUNCT
hassl-4116	77	38	and	and	CCONJ
hassl-4116	77	39	alam	alam	PROPN
hassl-4116	77	40	(	(	PUNCT
hassl-4116	77	41	2022	2022	NUM
hassl-4116	77	42	)	)	PUNCT
hassl-4116	77	43	;	;	PUNCT
hassl-4116	77	44	hassan	hassan	PROPN
hassl-4116	77	45	et	et	PROPN
hassl-4116	77	46	al	al	PROPN
hassl-4116	77	47	.	.	PROPN
hassl-4116	78	1	(	(	PUNCT
hassl-4116	78	2	2022	2022	NUM
hassl-4116	78	3	)	)	PUNCT
hassl-4116	78	4	;	;	PUNCT
hassl-4116	78	5	mascarenhas	mascarenha	NOUN
hassl-4116	78	6	,	,	PUNCT
hassl-4116	78	7	perpétuo	perpétuo	NOUN
hassl-4116	78	8	,	,	PUNCT
hassl-4116	78	9	barrote	barrote	VERB
hassl-4116	78	10	,	,	PUNCT
hassl-4116	78	11	and	and	CCONJ
hassl-4116	78	12	perides	peride	NOUN
hassl-4116	78	13	(	(	PUNCT
hassl-4116	78	14	2021	2021	NUM
hassl-4116	78	15	)	)	PUNCT
hassl-4116	78	16	;	;	PUNCT
hassl-4116	78	17	ryu	ryu	X
hassl-4116	78	18	(	(	PUNCT
hassl-4116	78	19	2018	2018	NUM
hassl-4116	78	20	)	)	PUNCT
hassl-4116	78	21	and	and	CCONJ
hassl-4116	78	22	sari	sari	ADJ
hassl-4116	78	23	(	(	PUNCT
hassl-4116	78	24	2022	2022	NUM
hassl-4116	78	25	)	)	PUNCT
hassl-4116	78	26	.	.	PUNCT
hassl-4116	79	1	while	while	SCONJ
hassl-4116	79	2	previous	previous	ADJ
hassl-4116	79	3	studies	study	NOUN
hassl-4116	79	4	that	that	PRON
hassl-4116	79	5	validated	validate	VERB
hassl-4116	79	6	the	the	DET
hassl-4116	79	7	connection	connection	NOUN
hassl-4116	79	8	between	between	ADP
hassl-4116	79	9	the	the	DET
hassl-4116	79	10	perceived	perceive	VERB
hassl-4116	79	11	risk	risk	NOUN
hassl-4116	79	12	and	and	CCONJ
hassl-4116	79	13	fintech	fintech	NOUN
hassl-4116	79	14	services	service	NOUN
hassl-4116	79	15	adoption	adoption	NOUN
hassl-4116	79	16	were	be	AUX
hassl-4116	79	17	ali	ali	PROPN
hassl-4116	79	18	,	,	PUNCT
hassl-4116	79	19	raza	raza	PROPN
hassl-4116	79	20	,	,	PUNCT
hassl-4116	79	21	khamis	khamis	PROPN
hassl-4116	79	22	,	,	PUNCT
hassl-4116	79	23	puah	puah	NOUN
hassl-4116	79	24	,	,	PUNCT
hassl-4116	79	25	and	and	CCONJ
hassl-4116	79	26	amin	amin	NOUN
hassl-4116	79	27	(	(	PUNCT
hassl-4116	79	28	2021	2021	NUM
hassl-4116	79	29	)	)	PUNCT
hassl-4116	79	30	;	;	PUNCT
hassl-4116	80	1	chan	chan	PROPN
hassl-4116	80	2	,	,	PUNCT
hassl-4116	80	3	troshani	troshani	PROPN
hassl-4116	80	4	,	,	PUNCT
hassl-4116	80	5	rao	rao	PROPN
hassl-4116	80	6	hill	hill	PROPN
hassl-4116	80	7	,	,	PUNCT
hassl-4116	80	8	and	and	CCONJ
hassl-4116	80	9	hoffmann	hoffmann	PROPN
hassl-4116	80	10	(	(	PUNCT
hassl-4116	80	11	2022	2022	NUM
hassl-4116	80	12	)	)	PUNCT
hassl-4116	80	13	;	;	PUNCT
hassl-4116	80	14	diana	diana	PROPN
hassl-4116	80	15	and	and	CCONJ
hassl-4116	80	16	leon	leon	PROPN
hassl-4116	80	17	(	(	PUNCT
hassl-4116	80	18	2020	2020	NUM
hassl-4116	80	19	)	)	PUNCT
hassl-4116	80	20	;	;	PUNCT
hassl-4116	80	21	hassan	hassan	PROPN
hassl-4116	80	22	et	et	PROPN
hassl-4116	80	23	al	al	PROPN
hassl-4116	80	24	.	.	PROPN
hassl-4116	80	25	(	(	PUNCT
hassl-4116	80	26	2022	2022	NUM
hassl-4116	80	27	)	)	PUNCT
hassl-4116	80	28	;	;	PUNCT
hassl-4116	80	29	abd	abd	PROPN
hassl-4116	80	30	malik	malik	PROPN
hassl-4116	80	31	and	and	CCONJ
hassl-4116	80	32	syed	syed	ADJ
hassl-4116	80	33	annuar	annuar	NOUN
hassl-4116	80	34	(	(	PUNCT
hassl-4116	80	35	2019	2019	NUM
hassl-4116	80	36	)	)	PUNCT
hassl-4116	80	37	and	and	CCONJ
hassl-4116	80	38	ming	ming	PROPN
hassl-4116	80	39	and	and	CCONJ
hassl-4116	80	40	jais	jais	PROPN
hassl-4116	80	41	(	(	PUNCT
hassl-4116	80	42	2022	2022	NUM
hassl-4116	80	43	)	)	PUNCT
hassl-4116	80	44	.	.	PUNCT
hassl-4116	81	1	these	these	DET
hassl-4116	81	2	studies	study	NOUN
hassl-4116	81	3	confirmed	confirm	VERB
hassl-4116	81	4	that	that	SCONJ
hassl-4116	81	5	perceived	perceive	VERB
hassl-4116	81	6	risk	risk	NOUN
hassl-4116	81	7	can	can	AUX
hassl-4116	81	8	negatively	negatively	ADV
hassl-4116	81	9	affect	affect	VERB
hassl-4116	81	10	the	the	DET
hassl-4116	81	11	intent	intent	NOUN
hassl-4116	81	12	to	to	PART
hassl-4116	81	13	adopt	adopt	VERB
hassl-4116	81	14	fintech	fintech	NOUN
hassl-4116	81	15	.	.	PUNCT
hassl-4116	82	1	furthermore	furthermore	ADV
hassl-4116	82	2	,	,	PUNCT
hassl-4116	82	3	studies	study	NOUN
hassl-4116	82	4	that	that	PRON
hassl-4116	82	5	showed	show	VERB
hassl-4116	82	6	the	the	DET
hassl-4116	82	7	perceived	perceive	VERB
hassl-4116	82	8	ease	ease	NOUN
hassl-4116	82	9	of	of	ADP
hassl-4116	82	10	use	use	NOUN
hassl-4116	82	11	is	be	AUX
hassl-4116	82	12	a	a	DET
hassl-4116	82	13	crucial	crucial	ADJ
hassl-4116	82	14	determinant	determinant	NOUN
hassl-4116	82	15	in	in	ADP
hassl-4116	82	16	the	the	DET
hassl-4116	82	17	adoption	adoption	NOUN
hassl-4116	82	18	of	of	ADP
hassl-4116	82	19	fintech	fintech	NOUN
hassl-4116	82	20	services	service	NOUN
hassl-4116	82	21	were	be	AUX
hassl-4116	82	22	conducted	conduct	VERB
hassl-4116	82	23	by	by	ADP
hassl-4116	82	24	sum	sum	NOUN
hassl-4116	82	25	chau	chau	NOUN
hassl-4116	82	26	and	and	CCONJ
hassl-4116	82	27	ngai	ngai	PROPN
hassl-4116	82	28	(	(	PUNCT
hassl-4116	82	29	2010	2010	NUM
hassl-4116	82	30	)	)	PUNCT
hassl-4116	82	31	and	and	CCONJ
hassl-4116	82	32	akturan	akturan	VERB
hassl-4116	82	33	and	and	CCONJ
hassl-4116	82	34	tezcan	tezcan	ADJ
hassl-4116	82	35	(	(	PUNCT
hassl-4116	82	36	2012	2012	NUM
hassl-4116	82	37	)	)	PUNCT
hassl-4116	82	38	to	to	PART
hassl-4116	82	39	name	name	VERB
hassl-4116	82	40	just	just	ADV
hassl-4116	82	41	two	two	NUM
hassl-4116	82	42	studies	study	NOUN
hassl-4116	82	43	.	.	PUNCT
hassl-4116	83	1	however	however	ADV
hassl-4116	83	2	,	,	PUNCT
hassl-4116	83	3	the	the	DET
hassl-4116	83	4	perceived	perceive	VERB
hassl-4116	83	5	ease	ease	NOUN
hassl-4116	83	6	of	of	ADP
hassl-4116	83	7	use	use	NOUN
hassl-4116	83	8	significantly	significantly	ADV
hassl-4116	83	9	impacts	impact	VERB
hassl-4116	83	10	the	the	DET
hassl-4116	83	11	adoption	adoption	NOUN
hassl-4116	83	12	of	of	ADP
hassl-4116	83	13	fintech	fintech	NOUN
hassl-4116	83	14	services	service	NOUN
hassl-4116	83	15	though	though	SCONJ
hassl-4116	83	16	its	its	PRON
hassl-4116	83	17	effect	effect	NOUN
hassl-4116	83	18	may	may	AUX
hassl-4116	83	19	be	be	AUX
hassl-4116	83	20	less	less	ADV
hassl-4116	83	21	pronounced	pronounced	ADJ
hassl-4116	83	22	compared	compare	VERB
hassl-4116	83	23	to	to	ADP
hassl-4116	83	24	the	the	DET
hassl-4116	83	25	perceived	perceive	VERB
hassl-4116	83	26	usefulness	usefulness	NOUN
hassl-4116	83	27	(	(	PUNCT
hassl-4116	83	28	kesharwani	kesharwani	PROPN
hassl-4116	83	29	&	&	CCONJ
hassl-4116	83	30	singh	singh	PROPN
hassl-4116	83	31	bisht	bisht	PROPN
hassl-4116	83	32	,	,	PUNCT
hassl-4116	83	33	2012	2012	NUM
hassl-4116	83	34	;	;	PUNCT
hassl-4116	83	35	shaw	shaw	PROPN
hassl-4116	83	36	,	,	PUNCT
hassl-4116	83	37	2014	2014	NUM
hassl-4116	83	38	;	;	PUNCT
hassl-4116	83	39	venkatesh	venkatesh	PROPN
hassl-4116	83	40	&	&	CCONJ
hassl-4116	83	41	davis	davis	PROPN
hassl-4116	83	42	,	,	PUNCT
hassl-4116	83	43	2000	2000	NUM
hassl-4116	83	44	)	)	PUNCT
hassl-4116	83	45	.	.	PUNCT
hassl-4116	84	1	next	next	ADV
hassl-4116	84	2	,	,	PUNCT
hassl-4116	84	3	studies	study	NOUN
hassl-4116	84	4	that	that	PRON
hassl-4116	84	5	showed	show	VERB
hassl-4116	84	6	the	the	DET
hassl-4116	84	7	perceived	perceive	VERB
hassl-4116	84	8	usefulness	usefulness	NOUN
hassl-4116	84	9	directly	directly	ADV
hassl-4116	84	10	influence	influence	NOUN
hassl-4116	84	11	fintech	fintech	NOUN
hassl-4116	84	12	adoption	adoption	NOUN
hassl-4116	84	13	were	be	AUX
hassl-4116	84	14	undertaken	undertake	VERB
hassl-4116	84	15	by	by	ADP
hassl-4116	84	16	purwantini	purwantini	NOUN
hassl-4116	84	17	and	and	CCONJ
hassl-4116	84	18	anisa	anisa	NOUN
hassl-4116	84	19	(	(	PUNCT
hassl-4116	84	20	2021	2021	NUM
hassl-4116	84	21	)	)	PUNCT
hassl-4116	84	22	and	and	CCONJ
hassl-4116	84	23	nugraha	nugraha	NOUN
hassl-4116	84	24	et	et	PROPN
hassl-4116	84	25	al	al	PROPN
hassl-4116	84	26	.	.	PROPN
hassl-4116	85	1	(	(	PUNCT
hassl-4116	85	2	2022	2022	NUM
hassl-4116	85	3	)	)	PUNCT
hassl-4116	85	4	.	.	PUNCT
hassl-4116	86	1	purwantini	purwantini	NOUN
hassl-4116	86	2	and	and	CCONJ
hassl-4116	86	3	anisa	anisa	NOUN
hassl-4116	86	4	(	(	PUNCT
hassl-4116	86	5	2021	2021	NUM
hassl-4116	86	6	)	)	PUNCT
hassl-4116	86	7	pointed	point	VERB
hassl-4116	86	8	out	out	ADP
hassl-4116	86	9	that	that	SCONJ
hassl-4116	86	10	the	the	DET
hassl-4116	86	11	practicality	practicality	NOUN
hassl-4116	86	12	of	of	ADP
hassl-4116	86	13	a	a	DET
hassl-4116	86	14	technology	technology	NOUN
hassl-4116	86	15	system	system	NOUN
hassl-4116	86	16	substantially	substantially	ADV
hassl-4116	86	17	impacts	impact	VERB
hassl-4116	86	18	an	an	DET
hassl-4116	86	19	individual	individual	NOUN
hassl-4116	86	20	's	's	PART
hassl-4116	86	21	choice	choice	NOUN
hassl-4116	86	22	to	to	PART
hassl-4116	86	23	use	use	VERB
hassl-4116	86	24	it	it	PRON
hassl-4116	86	25	continuously	continuously	ADV
hassl-4116	86	26	.	.	PUNCT
hassl-4116	87	1	users	user	NOUN
hassl-4116	87	2	are	be	AUX
hassl-4116	87	3	more	more	ADV
hassl-4116	87	4	inclined	inclined	ADJ
hassl-4116	87	5	to	to	PART
hassl-4116	87	6	technology	technology	VERB
hassl-4116	87	7	adoption	adoption	NOUN
hassl-4116	87	8	when	when	SCONJ
hassl-4116	87	9	they	they	PRON
hassl-4116	87	10	perceive	perceive	VERB
hassl-4116	87	11	it	it	PRON
hassl-4116	87	12	and	and	CCONJ
hassl-4116	87	13	they	they	PRON
hassl-4116	87	14	will	will	AUX
hassl-4116	87	15	enhance	enhance	VERB
hassl-4116	87	16	their	their	PRON
hassl-4116	87	17	tasks	task	NOUN
hassl-4116	87	18	efficiently	efficiently	ADV
hassl-4116	87	19	.	.	PUNCT
hassl-4116	88	1	in	in	ADP
hassl-4116	88	2	the	the	DET
hassl-4116	88	3	world	world	NOUN
hassl-4116	88	4	of	of	ADP
hassl-4116	88	5	fintech	fintech	NOUN
hassl-4116	88	6	,	,	PUNCT
hassl-4116	88	7	this	this	PRON
hassl-4116	88	8	entails	entail	VERB
hassl-4116	88	9	accelerating	accelerate	VERB
hassl-4116	88	10	transactions	transaction	NOUN
hassl-4116	88	11	while	while	SCONJ
hassl-4116	88	12	mitigating	mitigate	VERB
hassl-4116	88	13	the	the	DET
hassl-4116	88	14	risk	risk	NOUN
hassl-4116	88	15	of	of	ADP
hassl-4116	88	16	inaccuracies	inaccuracy	NOUN
hassl-4116	88	17	.	.	PUNCT
hassl-4116	89	1	based	base	VERB
hassl-4116	89	2	on	on	ADP
hassl-4116	89	3	the	the	DET
hassl-4116	89	4	above	above	ADJ
hassl-4116	89	5	previous	previous	ADJ
hassl-4116	89	6	studies	study	NOUN
hassl-4116	89	7	,	,	PUNCT
hassl-4116	89	8	it	it	PRON
hassl-4116	89	9	can	can	AUX
hassl-4116	89	10	be	be	AUX
hassl-4116	89	11	confirmed	confirm	VERB
hassl-4116	89	12	that	that	SCONJ
hassl-4116	89	13	perceived	perceive	VERB
hassl-4116	89	14	benefit	benefit	NOUN
hassl-4116	89	15	,	,	PUNCT
hassl-4116	89	16	perceived	perceive	VERB
hassl-4116	89	17	risk	risk	NOUN
hassl-4116	89	18	,	,	PUNCT
hassl-4116	89	19	perceived	perceive	VERB
hassl-4116	89	20	ease	ease	NOUN
hassl-4116	89	21	of	of	ADP
hassl-4116	89	22	use	use	NOUN
hassl-4116	89	23	,	,	PUNCT
hassl-4116	89	24	and	and	CCONJ
hassl-4116	89	25	perceived	perceive	VERB
hassl-4116	89	26	usefulness	usefulness	NOUN
hassl-4116	89	27	influence	influence	NOUN
hassl-4116	89	28	the	the	DET
hassl-4116	89	29	continuity	continuity	NOUN
hassl-4116	89	30	of	of	ADP
hassl-4116	89	31	fintech	fintech	NOUN
hassl-4116	89	32	usage	usage	NOUN
hassl-4116	89	33	.	.	PUNCT
hassl-4116	90	1	however	however	ADV
hassl-4116	90	2	,	,	PUNCT
hassl-4116	90	3	the	the	DET
hassl-4116	90	4	previous	previous	ADJ
hassl-4116	90	5	studies	study	NOUN
hassl-4116	90	6	have	have	VERB
hassl-4116	90	7	weaknesses	weakness	NOUN
hassl-4116	90	8	in	in	ADP
hassl-4116	90	9	examining	examine	VERB
hassl-4116	90	10	the	the	DET
hassl-4116	90	11	effect	effect	NOUN
hassl-4116	90	12	of	of	ADP
hassl-4116	90	13	the	the	DET
hassl-4116	90	14	fintech	fintech	NOUN
hassl-4116	90	15	usage	usage	NOUN
hassl-4116	90	16	adoption	adoption	NOUN
hassl-4116	90	17	on	on	ADP
hassl-4116	90	18	the	the	DET
hassl-4116	90	19	fintech	fintech	NOUN
hassl-4116	90	20	usage	usage	NOUN
hassl-4116	90	21	continuity	continuity	NOUN
hassl-4116	90	22	.	.	PUNCT
hassl-4116	91	1	additionally	additionally	ADV
hassl-4116	91	2	,	,	PUNCT
hassl-4116	91	3	the	the	DET
hassl-4116	91	4	previous	previous	ADJ
hassl-4116	91	5	studies	study	NOUN
hassl-4116	91	6	are	be	AUX
hassl-4116	91	7	not	not	PART
hassl-4116	91	8	entirely	entirely	ADV
hassl-4116	91	9	conclusive	conclusive	ADJ
hassl-4116	91	10	in	in	ADP
hassl-4116	91	11	examining	examine	VERB
hassl-4116	91	12	significant	significant	ADJ
hassl-4116	91	13	factors	factor	NOUN
hassl-4116	91	14	influencing	influence	VERB
hassl-4116	91	15	the	the	DET
hassl-4116	91	16	fintech	fintech	NOUN
hassl-4116	91	17	usage	usage	NOUN
hassl-4116	91	18	adoption	adoption	NOUN
hassl-4116	91	19	and	and	CCONJ
hassl-4116	91	20	the	the	DET
hassl-4116	91	21	fintech	fintech	NOUN
hassl-4116	91	22	usage	usage	NOUN
hassl-4116	91	23	continuity	continuity	NOUN
hassl-4116	91	24	.	.	PUNCT
hassl-4116	92	1	therefore	therefore	ADV
hassl-4116	92	2	,	,	PUNCT
hassl-4116	92	3	this	this	DET
hassl-4116	92	4	study	study	NOUN
hassl-4116	92	5	not	not	PART
hassl-4116	92	6	only	only	ADV
hassl-4116	92	7	bridges	bridge	VERB
hassl-4116	92	8	the	the	DET
hassl-4116	92	9	above	above	ADJ
hassl-4116	92	10	research	research	NOUN
hassl-4116	92	11	gap	gap	NOUN
hassl-4116	92	12	but	but	CCONJ
hassl-4116	92	13	more	more	ADJ
hassl-4116	92	14	humanities	humanity	NOUN
hassl-4116	92	15	and	and	CCONJ
hassl-4116	92	16	social	social	ADJ
hassl-4116	92	17	sciences	science	NOUN
hassl-4116	92	18	letters	letter	NOUN
hassl-4116	92	19	,	,	PUNCT
hassl-4116	92	20	2025	2025	NUM
hassl-4116	92	21	,	,	PUNCT
hassl-4116	92	22	13(2	13(2	NUM
hassl-4116	92	23	):	):	PUNCT
hassl-4116	92	24	409	409	NUM
hassl-4116	92	25	-	-	SYM
hassl-4116	92	26	427	427	NUM
hassl-4116	92	27	412	412	NUM
hassl-4116	92	28	©	©	PROPN
hassl-4116	92	29	2025	2025	NUM
hassl-4116	92	30	conscientia	conscientia	PROPN
hassl-4116	92	31	beam	beam	PROPN
hassl-4116	92	32	.	.	PUNCT
hassl-4116	93	1	all	all	DET
hassl-4116	93	2	rights	right	NOUN
hassl-4116	93	3	reserved	reserve	VERB
hassl-4116	93	4	.	.	PUNCT
hassl-4116	94	1	importantly	importantly	ADV
hassl-4116	94	2	highlights	highlight	VERB
hassl-4116	94	3	factors	factor	NOUN
hassl-4116	94	4	that	that	PRON
hassl-4116	94	5	need	need	VERB
hassl-4116	94	6	to	to	PART
hassl-4116	94	7	be	be	AUX
hassl-4116	94	8	given	give	VERB
hassl-4116	94	9	attention	attention	NOUN
hassl-4116	94	10	in	in	ADP
hassl-4116	94	11	determining	determine	VERB
hassl-4116	94	12	the	the	DET
hassl-4116	94	13	fintech	fintech	NOUN
hassl-4116	94	14	adoption	adoption	NOUN
hassl-4116	94	15	and	and	CCONJ
hassl-4116	94	16	the	the	DET
hassl-4116	94	17	continuity	continuity	NOUN
hassl-4116	94	18	of	of	ADP
hassl-4116	94	19	fintech	fintech	NOUN
hassl-4116	94	20	usage	usage	NOUN
hassl-4116	94	21	to	to	PART
hassl-4116	94	22	mitigate	mitigate	VERB
hassl-4116	94	23	the	the	DET
hassl-4116	94	24	declining	decline	VERB
hassl-4116	94	25	phenomenon	phenomenon	NOUN
hassl-4116	94	26	of	of	ADP
hassl-4116	94	27	the	the	DET
hassl-4116	94	28	development	development	NOUN
hassl-4116	94	29	of	of	ADP
hassl-4116	94	30	the	the	DET
hassl-4116	94	31	fintech	fintech	NOUN
hassl-4116	94	32	industry	industry	NOUN
hassl-4116	94	33	.	.	PUNCT
hassl-4116	95	1	this	this	DET
hassl-4116	95	2	study	study	NOUN
hassl-4116	95	3	is	be	AUX
hassl-4116	95	4	ordered	order	VERB
hassl-4116	95	5	in	in	ADP
hassl-4116	95	6	the	the	DET
hassl-4116	95	7	following	follow	VERB
hassl-4116	95	8	structures	structure	NOUN
hassl-4116	95	9	:	:	PUNCT
hassl-4116	95	10	in	in	ADP
hassl-4116	95	11	section	section	NOUN
hassl-4116	95	12	2	2	NUM
hassl-4116	95	13	,	,	PUNCT
hassl-4116	95	14	we	we	PRON
hassl-4116	95	15	highlight	highlight	VERB
hassl-4116	95	16	the	the	DET
hassl-4116	95	17	theoretical	theoretical	ADJ
hassl-4116	95	18	background	background	NOUN
hassl-4116	95	19	that	that	PRON
hassl-4116	95	20	supports	support	VERB
hassl-4116	95	21	the	the	DET
hassl-4116	95	22	proposed	propose	VERB
hassl-4116	95	23	research	research	NOUN
hassl-4116	95	24	model	model	NOUN
hassl-4116	95	25	,	,	PUNCT
hassl-4116	95	26	variable	variable	ADJ
hassl-4116	95	27	relationships	relationship	NOUN
hassl-4116	95	28	and	and	CCONJ
hassl-4116	95	29	hypothesis	hypothesis	NOUN
hassl-4116	95	30	.	.	PUNCT
hassl-4116	96	1	in	in	ADP
hassl-4116	96	2	section	section	NOUN
hassl-4116	96	3	3	3	NUM
hassl-4116	96	4	,	,	PUNCT
hassl-4116	96	5	we	we	PRON
hassl-4116	96	6	elaborate	elaborate	VERB
hassl-4116	96	7	in	in	ADP
hassl-4116	96	8	detail	detail	NOUN
hassl-4116	96	9	on	on	ADP
hassl-4116	96	10	the	the	DET
hassl-4116	96	11	source	source	NOUN
hassl-4116	96	12	of	of	ADP
hassl-4116	96	13	data	datum	NOUN
hassl-4116	96	14	and	and	CCONJ
hassl-4116	96	15	methods	method	NOUN
hassl-4116	96	16	of	of	ADP
hassl-4116	96	17	data	datum	NOUN
hassl-4116	96	18	analysis	analysis	NOUN
hassl-4116	96	19	for	for	ADP
hassl-4116	96	20	evaluating	evaluate	VERB
hassl-4116	96	21	the	the	DET
hassl-4116	96	22	proposed	propose	VERB
hassl-4116	96	23	framework	framework	NOUN
hassl-4116	96	24	.	.	PUNCT
hassl-4116	97	1	section	section	NOUN
hassl-4116	97	2	4	4	NUM
hassl-4116	97	3	addresses	address	NOUN
hassl-4116	97	4	the	the	DET
hassl-4116	97	5	results	result	NOUN
hassl-4116	97	6	and	and	CCONJ
hassl-4116	97	7	discusses	discuss	VERB
hassl-4116	97	8	the	the	DET
hassl-4116	97	9	results	result	NOUN
hassl-4116	97	10	of	of	ADP
hassl-4116	97	11	the	the	DET
hassl-4116	97	12	study	study	NOUN
hassl-4116	97	13	derived	derive	VERB
hassl-4116	97	14	from	from	ADP
hassl-4116	97	15	the	the	DET
hassl-4116	97	16	analytical	analytical	ADJ
hassl-4116	97	17	data	datum	NOUN
hassl-4116	97	18	analysis	analysis	NOUN
hassl-4116	97	19	subject	subject	ADJ
hassl-4116	97	20	to	to	ADP
hassl-4116	97	21	research	research	NOUN
hassl-4116	97	22	questions	question	NOUN
hassl-4116	97	23	.	.	PUNCT
hassl-4116	98	1	finally	finally	ADV
hassl-4116	98	2	,	,	PUNCT
hassl-4116	98	3	we	we	PRON
hassl-4116	98	4	draw	draw	VERB
hassl-4116	98	5	conclusions	conclusion	NOUN
hassl-4116	98	6	,	,	PUNCT
hassl-4116	98	7	policy	policy	NOUN
hassl-4116	98	8	implications	implication	NOUN
hassl-4116	98	9	and	and	CCONJ
hassl-4116	98	10	limitations	limitation	NOUN
hassl-4116	98	11	of	of	ADP
hassl-4116	98	12	this	this	DET
hassl-4116	98	13	study	study	NOUN
hassl-4116	98	14	.	.	PUNCT
hassl-4116	99	1	2	2	X
hassl-4116	99	2	.	.	X
hassl-4116	99	3	literature	literature	NOUN
hassl-4116	99	4	review	review	VERB
hassl-4116	99	5	2.1	2.1	NUM
hassl-4116	99	6	.	.	PUNCT
hassl-4116	100	1	theoretical	theoretical	ADJ
hassl-4116	100	2	framework	framework	NOUN
hassl-4116	100	3	as	as	SCONJ
hassl-4116	100	4	discussed	discuss	VERB
hassl-4116	100	5	in	in	ADP
hassl-4116	100	6	the	the	DET
hassl-4116	100	7	introduction	introduction	NOUN
hassl-4116	100	8	,	,	PUNCT
hassl-4116	100	9	previous	previous	ADJ
hassl-4116	100	10	studies	study	NOUN
hassl-4116	100	11	indicated	indicate	VERB
hassl-4116	100	12	that	that	SCONJ
hassl-4116	100	13	fintech	fintech	NOUN
hassl-4116	100	14	usage	usage	NOUN
hassl-4116	100	15	continuity	continuity	NOUN
hassl-4116	100	16	is	be	AUX
hassl-4116	100	17	directly	directly	ADV
hassl-4116	100	18	related	relate	VERB
hassl-4116	100	19	to	to	ADP
hassl-4116	100	20	perceived	perceive	VERB
hassl-4116	100	21	benefits	benefit	NOUN
hassl-4116	100	22	,	,	PUNCT
hassl-4116	100	23	perceived	perceive	VERB
hassl-4116	100	24	ease	ease	NOUN
hassl-4116	100	25	of	of	ADP
hassl-4116	100	26	use	use	NOUN
hassl-4116	100	27	,	,	PUNCT
hassl-4116	100	28	perceived	perceive	VERB
hassl-4116	100	29	risks	risk	NOUN
hassl-4116	100	30	,	,	PUNCT
hassl-4116	100	31	and	and	CCONJ
hassl-4116	100	32	perceived	perceive	VERB
hassl-4116	100	33	usefulness	usefulness	NOUN
hassl-4116	100	34	.	.	PUNCT
hassl-4116	101	1	these	these	DET
hassl-4116	101	2	four	four	NUM
hassl-4116	101	3	factors	factor	NOUN
hassl-4116	101	4	are	be	AUX
hassl-4116	101	5	also	also	ADV
hassl-4116	101	6	directly	directly	ADV
hassl-4116	101	7	related	relate	VERB
hassl-4116	101	8	to	to	ADP
hassl-4116	101	9	the	the	DET
hassl-4116	101	10	adoption	adoption	NOUN
hassl-4116	101	11	of	of	ADP
hassl-4116	101	12	fintech	fintech	NOUN
hassl-4116	101	13	usage	usage	NOUN
hassl-4116	101	14	(	(	PUNCT
hassl-4116	101	15	bergmann	bergmann	PROPN
hassl-4116	101	16	et	et	PROPN
hassl-4116	101	17	al	al	PROPN
hassl-4116	101	18	.	.	PROPN
hassl-4116	101	19	,	,	PUNCT
hassl-4116	101	20	2023	2023	NUM
hassl-4116	101	21	)	)	PUNCT
hassl-4116	101	22	.	.	PUNCT
hassl-4116	102	1	the	the	DET
hassl-4116	102	2	adoption	adoption	NOUN
hassl-4116	102	3	of	of	ADP
hassl-4116	102	4	fintech	fintech	NOUN
hassl-4116	102	5	usage	usage	NOUN
hassl-4116	102	6	is	be	AUX
hassl-4116	102	7	closely	closely	ADV
hassl-4116	102	8	linked	link	VERB
hassl-4116	102	9	to	to	ADP
hassl-4116	102	10	the	the	DET
hassl-4116	102	11	fintech	fintech	NOUN
hassl-4116	102	12	usage	usage	NOUN
hassl-4116	102	13	continuity	continuity	NOUN
hassl-4116	102	14	(	(	PUNCT
hassl-4116	102	15	hu	hu	PROPN
hassl-4116	102	16	et	et	PROPN
hassl-4116	102	17	al	al	PROPN
hassl-4116	102	18	.	.	PROPN
hassl-4116	102	19	,	,	PUNCT
hassl-4116	102	20	2019	2019	NUM
hassl-4116	102	21	;	;	PUNCT
hassl-4116	102	22	kim	kim	PROPN
hassl-4116	102	23	,	,	PUNCT
hassl-4116	102	24	kim	kim	PROPN
hassl-4116	102	25	,	,	PUNCT
hassl-4116	102	26	lee	lee	PROPN
hassl-4116	102	27	,	,	PUNCT
hassl-4116	102	28	&	&	CCONJ
hassl-4116	102	29	kim	kim	PROPN
hassl-4116	102	30	,	,	PUNCT
hassl-4116	102	31	2019	2019	NUM
hassl-4116	102	32	;	;	PUNCT
hassl-4116	102	33	nurlaily	nurlaily	ADV
hassl-4116	102	34	et	et	PROPN
hassl-4116	102	35	al	al	PROPN
hassl-4116	102	36	.	.	PROPN
hassl-4116	102	37	,	,	PUNCT
hassl-4116	102	38	2021	2021	NUM
hassl-4116	102	39	;	;	PUNCT
hassl-4116	102	40	putritama	putritama	NOUN
hassl-4116	102	41	,	,	PUNCT
hassl-4116	102	42	2019	2019	NUM
hassl-4116	102	43	;	;	PUNCT
hassl-4116	102	44	roh	roh	PROPN
hassl-4116	102	45	,	,	PUNCT
hassl-4116	102	46	park	park	NOUN
hassl-4116	102	47	,	,	PUNCT
hassl-4116	102	48	&	&	CCONJ
hassl-4116	102	49	xiao	xiao	PROPN
hassl-4116	102	50	,	,	PUNCT
hassl-4116	102	51	2023	2023	NUM
hassl-4116	102	52	;	;	PUNCT
hassl-4116	102	53	ryu	ryu	ADJ
hassl-4116	102	54	,	,	PUNCT
hassl-4116	102	55	2018	2018	NUM
hassl-4116	102	56	)	)	PUNCT
hassl-4116	102	57	.	.	PUNCT
hassl-4116	103	1	the	the	DET
hassl-4116	103	2	theoretical	theoretical	ADJ
hassl-4116	103	3	framework	framework	NOUN
hassl-4116	103	4	that	that	PRON
hassl-4116	103	5	supports	support	VERB
hassl-4116	103	6	these	these	DET
hassl-4116	103	7	studies	study	NOUN
hassl-4116	103	8	is	be	AUX
hassl-4116	103	9	the	the	DET
hassl-4116	103	10	theory	theory	NOUN
hassl-4116	103	11	of	of	ADP
hassl-4116	103	12	reasoned	reason	VERB
hassl-4116	103	13	action	action	NOUN
hassl-4116	103	14	(	(	PUNCT
hassl-4116	103	15	tra	tra	NOUN
hassl-4116	103	16	)	)	PUNCT
hassl-4116	103	17	advanced	advance	VERB
hassl-4116	103	18	by	by	ADP
hassl-4116	103	19	ajzen	ajzen	NOUN
hassl-4116	103	20	and	and	CCONJ
hassl-4116	103	21	fishbein	fishbein	ADJ
hassl-4116	103	22	(	(	PUNCT
hassl-4116	103	23	1977	1977	NUM
hassl-4116	103	24	)	)	PUNCT
hassl-4116	103	25	and	and	CCONJ
hassl-4116	103	26	the	the	DET
hassl-4116	103	27	theory	theory	NOUN
hassl-4116	103	28	of	of	ADP
hassl-4116	103	29	the	the	DET
hassl-4116	103	30	technology	technology	NOUN
hassl-4116	103	31	acceptance	acceptance	NOUN
hassl-4116	103	32	model	model	NOUN
hassl-4116	103	33	(	(	PUNCT
hassl-4116	103	34	tam	tam	PROPN
hassl-4116	103	35	)	)	PUNCT
hassl-4116	103	36	highlighted	highlight	VERB
hassl-4116	103	37	by	by	ADP
hassl-4116	103	38	venkatesh	venkatesh	PROPN
hassl-4116	103	39	and	and	CCONJ
hassl-4116	103	40	davis	davis	PROPN
hassl-4116	103	41	(	(	PUNCT
hassl-4116	103	42	2000	2000	NUM
hassl-4116	103	43	)	)	PUNCT
hassl-4116	103	44	.	.	PUNCT
hassl-4116	104	1	these	these	DET
hassl-4116	104	2	studies	study	NOUN
hassl-4116	104	3	accommodate	accommodate	VERB
hassl-4116	104	4	these	these	DET
hassl-4116	104	5	two	two	NUM
hassl-4116	104	6	basic	basic	ADJ
hassl-4116	104	7	theories	theory	NOUN
hassl-4116	104	8	since	since	SCONJ
hassl-4116	104	9	tra	tra	PROPN
hassl-4116	104	10	explains	explain	VERB
hassl-4116	104	11	how	how	SCONJ
hassl-4116	104	12	a	a	DET
hassl-4116	104	13	person	person	NOUN
hassl-4116	104	14	's	's	PART
hassl-4116	104	15	behavior	behavior	NOUN
hassl-4116	104	16	is	be	AUX
hassl-4116	104	17	determined	determine	VERB
hassl-4116	104	18	by	by	ADP
hassl-4116	104	19	their	their	PRON
hassl-4116	104	20	intention	intention	NOUN
hassl-4116	104	21	to	to	PART
hassl-4116	104	22	perform	perform	VERB
hassl-4116	104	23	that	that	DET
hassl-4116	104	24	behavior	behavior	NOUN
hassl-4116	104	25	which	which	PRON
hassl-4116	104	26	in	in	ADP
hassl-4116	104	27	turn	turn	NOUN
hassl-4116	104	28	is	be	AUX
hassl-4116	104	29	influenced	influence	VERB
hassl-4116	104	30	by	by	ADP
hassl-4116	104	31	two	two	NUM
hassl-4116	104	32	main	main	ADJ
hassl-4116	104	33	factors	factor	NOUN
hassl-4116	104	34	,	,	PUNCT
hassl-4116	104	35	namely	namely	ADV
hassl-4116	104	36	attitude	attitude	NOUN
hassl-4116	104	37	towards	towards	ADP
hassl-4116	104	38	behavior	behavior	NOUN
hassl-4116	104	39	and	and	CCONJ
hassl-4116	104	40	subjective	subjective	ADJ
hassl-4116	104	41	norm	norm	NOUN
hassl-4116	104	42	(	(	PUNCT
hassl-4116	104	43	ajzen	ajzen	NOUN
hassl-4116	104	44	&	&	CCONJ
hassl-4116	104	45	fishbein	fishbein	PROPN
hassl-4116	104	46	,	,	PUNCT
hassl-4116	104	47	1977	1977	NUM
hassl-4116	104	48	)	)	PUNCT
hassl-4116	104	49	.	.	PUNCT
hassl-4116	105	1	tam	tam	PROPN
hassl-4116	105	2	postulates	postulate	VERB
hassl-4116	105	3	that	that	SCONJ
hassl-4116	105	4	the	the	DET
hassl-4116	105	5	acceptance	acceptance	NOUN
hassl-4116	105	6	of	of	ADP
hassl-4116	105	7	technology	technology	NOUN
hassl-4116	105	8	is	be	AUX
hassl-4116	105	9	predicted	predict	VERB
hassl-4116	105	10	by	by	ADP
hassl-4116	105	11	the	the	DET
hassl-4116	105	12	users	user	NOUN
hassl-4116	105	13	'	'	PART
hassl-4116	105	14	behavioral	behavioral	ADJ
hassl-4116	105	15	intention	intention	NOUN
hassl-4116	105	16	which	which	PRON
hassl-4116	105	17	is	be	AUX
hassl-4116	105	18	determined	determine	VERB
hassl-4116	105	19	by	by	ADP
hassl-4116	105	20	the	the	DET
hassl-4116	105	21	perception	perception	NOUN
hassl-4116	105	22	of	of	ADP
hassl-4116	105	23	technology	technology	NOUN
hassl-4116	105	24	's	's	PART
hassl-4116	105	25	usefulness	usefulness	NOUN
hassl-4116	105	26	in	in	ADP
hassl-4116	105	27	performing	perform	VERB
hassl-4116	105	28	the	the	DET
hassl-4116	105	29	task	task	NOUN
hassl-4116	105	30	and	and	CCONJ
hassl-4116	105	31	the	the	DET
hassl-4116	105	32	perceived	perceive	VERB
hassl-4116	105	33	ease	ease	NOUN
hassl-4116	105	34	of	of	ADP
hassl-4116	105	35	its	its	PRON
hassl-4116	105	36	use	use	NOUN
hassl-4116	105	37	(	(	PUNCT
hassl-4116	105	38	venkatesh	venkatesh	PROPN
hassl-4116	105	39	&	&	CCONJ
hassl-4116	105	40	davis	davis	PROPN
hassl-4116	105	41	,	,	PUNCT
hassl-4116	105	42	2000	2000	NUM
hassl-4116	105	43	)	)	PUNCT
hassl-4116	105	44	.	.	PUNCT
hassl-4116	106	1	therefore	therefore	ADV
hassl-4116	106	2	,	,	PUNCT
hassl-4116	106	3	tra	tra	PROPN
hassl-4116	106	4	and	and	CCONJ
hassl-4116	106	5	tam	tam	PROPN
hassl-4116	106	6	are	be	AUX
hassl-4116	106	7	applied	apply	VERB
hassl-4116	106	8	to	to	PART
hassl-4116	106	9	examine	examine	VERB
hassl-4116	106	10	variables	variable	NOUN
hassl-4116	106	11	in	in	ADP
hassl-4116	106	12	the	the	DET
hassl-4116	106	13	research	research	NOUN
hassl-4116	106	14	model	model	NOUN
hassl-4116	106	15	.	.	PUNCT
hassl-4116	107	1	however	however	ADV
hassl-4116	107	2	,	,	PUNCT
hassl-4116	107	3	recent	recent	ADJ
hassl-4116	107	4	studies	study	NOUN
hassl-4116	107	5	reveal	reveal	VERB
hassl-4116	107	6	that	that	SCONJ
hassl-4116	107	7	tra	tra	PROPN
hassl-4116	107	8	and	and	CCONJ
hassl-4116	107	9	tam	tam	PROPN
hassl-4116	107	10	have	have	VERB
hassl-4116	107	11	limitations	limitation	NOUN
hassl-4116	107	12	(	(	PUNCT
hassl-4116	107	13	ajibade	ajibade	ADJ
hassl-4116	107	14	,	,	PUNCT
hassl-4116	107	15	2018	2018	NUM
hassl-4116	107	16	)	)	PUNCT
hassl-4116	107	17	.	.	PUNCT
hassl-4116	108	1	the	the	DET
hassl-4116	108	2	tam	tam	PROPN
hassl-4116	108	3	can	can	AUX
hassl-4116	108	4	elucidate	elucidate	VERB
hassl-4116	108	5	individual	individual	ADJ
hassl-4116	108	6	adoption	adoption	NOUN
hassl-4116	108	7	choices	choice	NOUN
hassl-4116	108	8	.	.	PUNCT
hassl-4116	109	1	however	however	ADV
hassl-4116	109	2	,	,	PUNCT
hassl-4116	109	3	it	it	PRON
hassl-4116	109	4	inadequately	inadequately	ADV
hassl-4116	109	5	addresses	address	VERB
hassl-4116	109	6	the	the	DET
hassl-4116	109	7	complexities	complexity	NOUN
hassl-4116	109	8	involved	involve	VERB
hassl-4116	109	9	in	in	ADP
hassl-4116	109	10	organizational	organizational	ADJ
hassl-4116	109	11	adoption	adoption	NOUN
hassl-4116	109	12	where	where	SCONJ
hassl-4116	109	13	elements	element	NOUN
hassl-4116	109	14	such	such	ADJ
hassl-4116	109	15	as	as	ADP
hassl-4116	109	16	regulatory	regulatory	ADJ
hassl-4116	109	17	compliance	compliance	NOUN
hassl-4116	109	18	,	,	PUNCT
hassl-4116	109	19	operational	operational	ADJ
hassl-4116	109	20	integration	integration	NOUN
hassl-4116	109	21	and	and	CCONJ
hassl-4116	109	22	systemic	systemic	ADJ
hassl-4116	109	23	risks	risk	NOUN
hassl-4116	109	24	are	be	AUX
hassl-4116	109	25	significant	significant	ADJ
hassl-4116	109	26	factors	factor	NOUN
hassl-4116	109	27	(	(	PUNCT
hassl-4116	109	28	ajibade	ajibade	ADJ
hassl-4116	109	29	,	,	PUNCT
hassl-4116	109	30	2018	2018	NUM
hassl-4116	109	31	)	)	PUNCT
hassl-4116	109	32	.	.	PUNCT
hassl-4116	110	1	both	both	DET
hassl-4116	110	2	theories	theory	NOUN
hassl-4116	110	3	fail	fail	VERB
hassl-4116	110	4	to	to	PART
hassl-4116	110	5	address	address	VERB
hassl-4116	110	6	social	social	ADJ
hassl-4116	110	7	influences	influence	NOUN
hassl-4116	110	8	,	,	PUNCT
hassl-4116	110	9	facilitating	facilitate	VERB
hassl-4116	110	10	conditions	condition	NOUN
hassl-4116	110	11	and	and	CCONJ
hassl-4116	110	12	behavioral	behavioral	ADJ
hassl-4116	110	13	uncertainty	uncertainty	NOUN
hassl-4116	110	14	resulting	result	VERB
hassl-4116	110	15	in	in	ADP
hassl-4116	110	16	notable	notable	ADJ
hassl-4116	110	17	gaps	gap	NOUN
hassl-4116	110	18	when	when	SCONJ
hassl-4116	110	19	applied	apply	VERB
hassl-4116	110	20	to	to	ADP
hassl-4116	110	21	complex	complex	ADJ
hassl-4116	110	22	fintech	fintech	NOUN
hassl-4116	110	23	ecosystems	ecosystem	NOUN
hassl-4116	110	24	(	(	PUNCT
hassl-4116	110	25	saadah	saadah	NOUN
hassl-4116	110	26	&	&	CCONJ
hassl-4116	110	27	setiawan	setiawan	PROPN
hassl-4116	110	28	,	,	PUNCT
hassl-4116	110	29	2024	2024	NUM
hassl-4116	110	30	)	)	PUNCT
hassl-4116	110	31	.	.	PUNCT
hassl-4116	111	1	these	these	PRON
hassl-4116	111	2	indicate	indicate	VERB
hassl-4116	111	3	the	the	DET
hassl-4116	111	4	necessity	necessity	NOUN
hassl-4116	111	5	for	for	ADP
hassl-4116	111	6	creating	create	VERB
hassl-4116	111	7	more	more	ADV
hassl-4116	111	8	comprehensive	comprehensive	ADJ
hassl-4116	111	9	theoretical	theoretical	ADJ
hassl-4116	111	10	models	model	NOUN
hassl-4116	111	11	that	that	PRON
hassl-4116	111	12	can	can	AUX
hassl-4116	111	13	more	more	ADV
hassl-4116	111	14	effectively	effectively	ADV
hassl-4116	111	15	consider	consider	VERB
hassl-4116	111	16	individual	individual	ADJ
hassl-4116	111	17	and	and	CCONJ
hassl-4116	111	18	institutional	institutional	ADJ
hassl-4116	111	19	factors	factor	NOUN
hassl-4116	111	20	in	in	ADP
hassl-4116	111	21	the	the	DET
hassl-4116	111	22	continuity	continuity	NOUN
hassl-4116	111	23	of	of	ADP
hassl-4116	111	24	fintech	fintech	NOUN
hassl-4116	111	25	usage	usage	NOUN
hassl-4116	111	26	.	.	PUNCT
hassl-4116	112	1	2.2	2.2	NUM
hassl-4116	112	2	.	.	PUNCT
hassl-4116	113	1	variables	variable	NOUN
hassl-4116	113	2	relationship	relationship	NOUN
hassl-4116	113	3	and	and	CCONJ
hassl-4116	113	4	hypothesis	hypothesis	NOUN
hassl-4116	113	5	development	development	NOUN
hassl-4116	113	6	studies	study	NOUN
hassl-4116	113	7	that	that	PRON
hassl-4116	113	8	examined	examine	VERB
hassl-4116	113	9	the	the	DET
hassl-4116	113	10	influence	influence	NOUN
hassl-4116	113	11	of	of	ADP
hassl-4116	113	12	the	the	DET
hassl-4116	113	13	perceived	perceive	VERB
hassl-4116	113	14	benefit	benefit	NOUN
hassl-4116	113	15	of	of	ADP
hassl-4116	113	16	fintech	fintech	NOUN
hassl-4116	113	17	adoption	adoption	NOUN
hassl-4116	113	18	have	have	AUX
hassl-4116	113	19	been	be	AUX
hassl-4116	113	20	undertaken	undertake	VERB
hassl-4116	113	21	by	by	ADP
hassl-4116	113	22	mascarenhas	mascarenhas	PROPN
hassl-4116	113	23	et	et	PROPN
hassl-4116	113	24	al	al	PROPN
hassl-4116	113	25	.	.	PROPN
hassl-4116	114	1	(	(	PUNCT
hassl-4116	114	2	2021	2021	NUM
hassl-4116	114	3	)	)	PUNCT
hassl-4116	114	4	and	and	CCONJ
hassl-4116	114	5	ryu	ryu	VERB
hassl-4116	114	6	(	(	PUNCT
hassl-4116	114	7	2018	2018	NUM
hassl-4116	114	8	)	)	PUNCT
hassl-4116	114	9	.	.	PUNCT
hassl-4116	115	1	these	these	DET
hassl-4116	115	2	studies	study	NOUN
hassl-4116	115	3	suggest	suggest	VERB
hassl-4116	115	4	that	that	SCONJ
hassl-4116	115	5	the	the	DET
hassl-4116	115	6	fintech	fintech	NOUN
hassl-4116	115	7	users	user	NOUN
hassl-4116	115	8	'	'	PART
hassl-4116	115	9	benefits	benefit	NOUN
hassl-4116	115	10	received	receive	VERB
hassl-4116	115	11	from	from	ADP
hassl-4116	115	12	fintech	fintech	NOUN
hassl-4116	115	13	services	service	NOUN
hassl-4116	115	14	increased	increase	VERB
hassl-4116	115	15	fintech	fintech	NOUN
hassl-4116	115	16	usage	usage	NOUN
hassl-4116	115	17	adoption	adoption	NOUN
hassl-4116	115	18	.	.	PUNCT
hassl-4116	116	1	these	these	DET
hassl-4116	116	2	benefits	benefit	NOUN
hassl-4116	116	3	include	include	VERB
hassl-4116	116	4	ease	ease	NOUN
hassl-4116	116	5	of	of	ADP
hassl-4116	116	6	transactions	transaction	NOUN
hassl-4116	116	7	,	,	PUNCT
hassl-4116	116	8	cost	cost	NOUN
hassl-4116	116	9	efficiency	efficiency	NOUN
hassl-4116	116	10	,	,	PUNCT
hassl-4116	116	11	and	and	CCONJ
hassl-4116	116	12	improved	improve	VERB
hassl-4116	116	13	financial	financial	ADJ
hassl-4116	116	14	accessibility	accessibility	NOUN
hassl-4116	116	15	.	.	PUNCT
hassl-4116	117	1	these	these	DET
hassl-4116	117	2	findings	finding	NOUN
hassl-4116	117	3	correspond	correspond	VERB
hassl-4116	117	4	with	with	ADP
hassl-4116	117	5	the	the	DET
hassl-4116	117	6	technology	technology	NOUN
hassl-4116	117	7	acceptance	acceptance	NOUN
hassl-4116	117	8	model	model	NOUN
hassl-4116	117	9	(	(	PUNCT
hassl-4116	117	10	tam	tam	PROPN
hassl-4116	117	11	)	)	PUNCT
hassl-4116	117	12	,	,	PUNCT
hassl-4116	117	13	asserting	assert	VERB
hassl-4116	117	14	that	that	SCONJ
hassl-4116	117	15	greater	great	ADJ
hassl-4116	117	16	perceived	perceive	VERB
hassl-4116	117	17	benefits	benefit	NOUN
hassl-4116	117	18	could	could	AUX
hassl-4116	117	19	promote	promote	VERB
hassl-4116	117	20	users	user	NOUN
hassl-4116	117	21	'	'	PART
hassl-4116	117	22	intentions	intention	NOUN
hassl-4116	117	23	and	and	CCONJ
hassl-4116	117	24	behaviors	behavior	NOUN
hassl-4116	117	25	toward	toward	ADP
hassl-4116	117	26	adopting	adopt	VERB
hassl-4116	117	27	fintech	fintech	NOUN
hassl-4116	117	28	.	.	PUNCT
hassl-4116	118	1	these	these	DET
hassl-4116	118	2	findings	finding	NOUN
hassl-4116	118	3	were	be	AUX
hassl-4116	118	4	also	also	ADV
hassl-4116	118	5	supported	support	VERB
hassl-4116	118	6	by	by	ADP
hassl-4116	118	7	gan	gan	PROPN
hassl-4116	118	8	and	and	CCONJ
hassl-4116	118	9	wang	wang	PROPN
hassl-4116	118	10	(	(	PUNCT
hassl-4116	118	11	2017	2017	NUM
hassl-4116	118	12	)	)	PUNCT
hassl-4116	118	13	;	;	PUNCT
hassl-4116	118	14	hassan	hassan	PROPN
hassl-4116	118	15	et	et	PROPN
hassl-4116	118	16	al	al	PROPN
hassl-4116	118	17	.	.	PROPN
hassl-4116	119	1	(	(	PUNCT
hassl-4116	119	2	2022	2022	NUM
hassl-4116	119	3	)	)	PUNCT
hassl-4116	119	4	and	and	CCONJ
hassl-4116	119	5	sari	sari	ADJ
hassl-4116	119	6	(	(	PUNCT
hassl-4116	119	7	2022	2022	NUM
hassl-4116	119	8	)	)	PUNCT
hassl-4116	119	9	since	since	SCONJ
hassl-4116	119	10	they	they	PRON
hassl-4116	119	11	found	find	VERB
hassl-4116	119	12	a	a	DET
hassl-4116	119	13	positive	positive	ADJ
hassl-4116	119	14	correlation	correlation	NOUN
hassl-4116	119	15	between	between	ADP
hassl-4116	119	16	perceived	perceive	VERB
hassl-4116	119	17	benefits	benefit	NOUN
hassl-4116	119	18	and	and	CCONJ
hassl-4116	119	19	the	the	DET
hassl-4116	119	20	intent	intent	NOUN
hassl-4116	119	21	to	to	PART
hassl-4116	119	22	utilize	utilize	VERB
hassl-4116	119	23	digital	digital	ADJ
hassl-4116	119	24	applications	application	NOUN
hassl-4116	119	25	.	.	PUNCT
hassl-4116	120	1	following	follow	VERB
hassl-4116	120	2	these	these	DET
hassl-4116	120	3	studies	study	NOUN
hassl-4116	120	4	,	,	PUNCT
hassl-4116	120	5	we	we	PRON
hassl-4116	120	6	hypothesize	hypothesize	VERB
hassl-4116	120	7	that	that	PRON
hassl-4116	120	8	h1	h1	NOUN
hassl-4116	120	9	:	:	PUNCT
hassl-4116	120	10	perceived	perceive	VERB
hassl-4116	120	11	benefit	benefit	NOUN
hassl-4116	120	12	positively	positively	ADV
hassl-4116	120	13	and	and	CCONJ
hassl-4116	120	14	significantly	significantly	ADV
hassl-4116	120	15	affects	affect	VERB
hassl-4116	120	16	the	the	DET
hassl-4116	120	17	fintech	fintech	NOUN
hassl-4116	120	18	usage	usage	NOUN
hassl-4116	120	19	adoption	adoption	NOUN
hassl-4116	120	20	.	.	PUNCT
hassl-4116	121	1	the	the	DET
hassl-4116	121	2	perceived	perceive	VERB
hassl-4116	121	3	ease	ease	NOUN
hassl-4116	121	4	of	of	ADP
hassl-4116	121	5	use	use	NOUN
hassl-4116	121	6	is	be	AUX
hassl-4116	121	7	also	also	ADV
hassl-4116	121	8	a	a	DET
hassl-4116	121	9	critical	critical	ADJ
hassl-4116	121	10	factor	factor	NOUN
hassl-4116	121	11	in	in	ADP
hassl-4116	121	12	the	the	DET
hassl-4116	121	13	fintech	fintech	NOUN
hassl-4116	121	14	service	service	NOUN
hassl-4116	121	15	adoption	adoption	NOUN
hassl-4116	121	16	influencing	influence	VERB
hassl-4116	121	17	users	user	NOUN
hassl-4116	121	18	’	'	PUNCT
hassl-4116	121	19	interaction	interaction	NOUN
hassl-4116	121	20	with	with	ADP
hassl-4116	121	21	the	the	DET
hassl-4116	121	22	technology	technology	NOUN
hassl-4116	121	23	used	use	VERB
hassl-4116	121	24	(	(	PUNCT
hassl-4116	121	25	sum	sum	NOUN
hassl-4116	121	26	chau	chau	NOUN
hassl-4116	121	27	&	&	CCONJ
hassl-4116	121	28	ngai	ngai	PROPN
hassl-4116	121	29	,	,	PUNCT
hassl-4116	121	30	2010	2010	NUM
hassl-4116	121	31	)	)	PUNCT
hassl-4116	121	32	.	.	PUNCT
hassl-4116	122	1	however	however	ADV
hassl-4116	122	2	,	,	PUNCT
hassl-4116	122	3	venkatesh	venkatesh	PROPN
hassl-4116	122	4	and	and	CCONJ
hassl-4116	122	5	davis	davis	PROPN
hassl-4116	122	6	(	(	PUNCT
hassl-4116	122	7	2000	2000	NUM
hassl-4116	122	8	)	)	PUNCT
hassl-4116	122	9	argued	argue	VERB
hassl-4116	122	10	that	that	SCONJ
hassl-4116	122	11	although	although	SCONJ
hassl-4116	122	12	perceived	perceive	VERB
hassl-4116	122	13	ease	ease	NOUN
hassl-4116	122	14	of	of	ADP
hassl-4116	122	15	use	use	NOUN
hassl-4116	122	16	is	be	AUX
hassl-4116	122	17	essential	essential	ADJ
hassl-4116	122	18	,	,	PUNCT
hassl-4116	122	19	its	its	PRON
hassl-4116	122	20	impact	impact	NOUN
hassl-4116	122	21	may	may	AUX
hassl-4116	122	22	differ	differ	VERB
hassl-4116	122	23	compared	compare	VERB
hassl-4116	122	24	to	to	ADP
hassl-4116	122	25	perceived	perceive	VERB
hassl-4116	122	26	usefulness	usefulness	NOUN
hassl-4116	122	27	.	.	PUNCT
hassl-4116	123	1	the	the	DET
hassl-4116	123	2	perceived	perceive	VERB
hassl-4116	123	3	ease	ease	NOUN
hassl-4116	123	4	of	of	ADP
hassl-4116	123	5	use	use	NOUN
hassl-4116	123	6	includes	include	VERB
hassl-4116	123	7	a	a	DET
hassl-4116	123	8	straightforward	straightforward	ADJ
hassl-4116	123	9	payment	payment	NOUN
hassl-4116	123	10	method	method	NOUN
hassl-4116	123	11	,	,	PUNCT
hassl-4116	123	12	accessible	accessible	ADJ
hassl-4116	123	13	customer	customer	NOUN
hassl-4116	123	14	service	service	NOUN
hassl-4116	123	15	,	,	PUNCT
hassl-4116	123	16	and	and	CCONJ
hassl-4116	123	17	simple	simple	ADJ
hassl-4116	123	18	transactions	transaction	NOUN
hassl-4116	123	19	,	,	PUNCT
hassl-4116	123	20	which	which	PRON
hassl-4116	123	21	positively	positively	ADV
hassl-4116	123	22	humanities	humanity	NOUN
hassl-4116	123	23	and	and	CCONJ
hassl-4116	123	24	social	social	ADJ
hassl-4116	123	25	sciences	science	NOUN
hassl-4116	123	26	letters	letter	NOUN
hassl-4116	123	27	,	,	PUNCT
hassl-4116	123	28	2025	2025	NUM
hassl-4116	123	29	,	,	PUNCT
hassl-4116	123	30	13(2	13(2	NUM
hassl-4116	123	31	):	):	PUNCT
hassl-4116	123	32	409	409	NUM
hassl-4116	123	33	-	-	SYM
hassl-4116	123	34	427	427	NUM
hassl-4116	123	35	413	413	NUM
hassl-4116	123	36	©	©	ADP
hassl-4116	123	37	2025	2025	NUM
hassl-4116	123	38	conscientia	conscientia	PROPN
hassl-4116	123	39	beam	beam	PROPN
hassl-4116	123	40	.	.	PUNCT
hassl-4116	124	1	all	all	DET
hassl-4116	124	2	rights	right	NOUN
hassl-4116	124	3	reserved	reserve	VERB
hassl-4116	124	4	.	.	PUNCT
hassl-4116	125	1	influence	influence	VERB
hassl-4116	125	2	the	the	DET
hassl-4116	125	3	intention	intention	NOUN
hassl-4116	125	4	to	to	PART
hassl-4116	125	5	adopt	adopt	VERB
hassl-4116	125	6	fintech	fintech	NOUN
hassl-4116	125	7	(	(	PUNCT
hassl-4116	125	8	akturan	akturan	ADJ
hassl-4116	125	9	&	&	CCONJ
hassl-4116	125	10	tezcan	tezcan	ADJ
hassl-4116	125	11	,	,	PUNCT
hassl-4116	125	12	2012	2012	NUM
hassl-4116	125	13	;	;	PUNCT
hassl-4116	125	14	sum	sum	NOUN
hassl-4116	125	15	chau	chau	NOUN
hassl-4116	125	16	&	&	CCONJ
hassl-4116	125	17	ngai	ngai	PROPN
hassl-4116	125	18	,	,	PUNCT
hassl-4116	125	19	2010	2010	NUM
hassl-4116	125	20	)	)	PUNCT
hassl-4116	125	21	.	.	PUNCT
hassl-4116	126	1	thus	thus	ADV
hassl-4116	126	2	,	,	PUNCT
hassl-4116	126	3	we	we	PRON
hassl-4116	126	4	anticipate	anticipate	VERB
hassl-4116	126	5	that	that	SCONJ
hassl-4116	126	6	h2	h2	NOUN
hassl-4116	126	7	:	:	PUNCT
hassl-4116	126	8	perceived	perceive	VERB
hassl-4116	126	9	ease	ease	NOUN
hassl-4116	126	10	of	of	ADP
hassl-4116	126	11	use	use	NOUN
hassl-4116	126	12	positively	positively	ADV
hassl-4116	126	13	and	and	CCONJ
hassl-4116	126	14	significantly	significantly	ADV
hassl-4116	126	15	affects	affect	VERB
hassl-4116	126	16	the	the	DET
hassl-4116	126	17	adoption	adoption	NOUN
hassl-4116	126	18	of	of	ADP
hassl-4116	126	19	fintech	fintech	NOUN
hassl-4116	126	20	usage	usage	NOUN
hassl-4116	126	21	.	.	PUNCT
hassl-4116	127	1	perceived	perceive	VERB
hassl-4116	127	2	risk	risk	NOUN
hassl-4116	127	3	can	can	AUX
hassl-4116	127	4	adversely	adversely	ADV
hassl-4116	127	5	influence	influence	VERB
hassl-4116	127	6	the	the	DET
hassl-4116	127	7	intention	intention	NOUN
hassl-4116	127	8	to	to	PART
hassl-4116	127	9	adopt	adopt	VERB
hassl-4116	127	10	fintech	fintech	NOUN
hassl-4116	127	11	(	(	PUNCT
hassl-4116	127	12	abd	abd	PROPN
hassl-4116	127	13	malik	malik	PROPN
hassl-4116	127	14	&	&	CCONJ
hassl-4116	127	15	syed	syed	PROPN
hassl-4116	127	16	annuar	annuar	PROPN
hassl-4116	127	17	,	,	PUNCT
hassl-4116	127	18	2019	2019	NUM
hassl-4116	127	19	;	;	PUNCT
hassl-4116	127	20	ali	ali	PROPN
hassl-4116	127	21	et	et	PROPN
hassl-4116	127	22	al	al	PROPN
hassl-4116	127	23	.	.	PROPN
hassl-4116	127	24	,	,	PUNCT
hassl-4116	127	25	2021	2021	NUM
hassl-4116	127	26	;	;	PUNCT
hassl-4116	127	27	chan	chan	PROPN
hassl-4116	127	28	et	et	PROPN
hassl-4116	127	29	al	al	PROPN
hassl-4116	127	30	.	.	PROPN
hassl-4116	127	31	,	,	PUNCT
hassl-4116	127	32	2022	2022	NUM
hassl-4116	127	33	;	;	PUNCT
hassl-4116	127	34	diana	diana	PROPN
hassl-4116	127	35	&	&	CCONJ
hassl-4116	127	36	leon	leon	PROPN
hassl-4116	127	37	,	,	PUNCT
hassl-4116	127	38	2020	2020	NUM
hassl-4116	127	39	;	;	PUNCT
hassl-4116	127	40	hassan	hassan	PROPN
hassl-4116	127	41	et	et	PROPN
hassl-4116	127	42	al	al	PROPN
hassl-4116	127	43	.	.	PROPN
hassl-4116	127	44	,	,	PUNCT
hassl-4116	127	45	2022	2022	NUM
hassl-4116	127	46	;	;	PUNCT
hassl-4116	127	47	ming	ming	PROPN
hassl-4116	127	48	&	&	CCONJ
hassl-4116	127	49	jais	jais	PROPN
hassl-4116	127	50	,	,	PUNCT
hassl-4116	127	51	2022	2022	NUM
hassl-4116	127	52	;	;	PUNCT
hassl-4116	127	53	tang	tang	X
hassl-4116	127	54	et	et	PROPN
hassl-4116	127	55	al	al	PROPN
hassl-4116	127	56	.	.	PROPN
hassl-4116	127	57	,	,	PUNCT
hassl-4116	127	58	2020	2020	NUM
hassl-4116	127	59	)	)	PUNCT
hassl-4116	127	60	.	.	PUNCT
hassl-4116	128	1	these	these	DET
hassl-4116	128	2	studies	study	NOUN
hassl-4116	128	3	show	show	VERB
hassl-4116	128	4	that	that	SCONJ
hassl-4116	128	5	risks	risk	NOUN
hassl-4116	128	6	like	like	ADP
hassl-4116	128	7	data	datum	NOUN
hassl-4116	128	8	security	security	NOUN
hassl-4116	128	9	issues	issue	NOUN
hassl-4116	128	10	and	and	CCONJ
hassl-4116	128	11	financial	financial	ADJ
hassl-4116	128	12	loss	loss	NOUN
hassl-4116	128	13	make	make	VERB
hassl-4116	128	14	consumers	consumer	NOUN
hassl-4116	128	15	more	more	ADV
hassl-4116	128	16	aware	aware	ADJ
hassl-4116	128	17	and	and	CCONJ
hassl-4116	128	18	cautious	cautious	ADJ
hassl-4116	128	19	,	,	PUNCT
hassl-4116	128	20	affecting	affect	VERB
hassl-4116	128	21	their	their	PRON
hassl-4116	128	22	willingness	willingness	NOUN
hassl-4116	128	23	to	to	PART
hassl-4116	128	24	use	use	VERB
hassl-4116	128	25	fintech	fintech	NOUN
hassl-4116	128	26	services	service	NOUN
hassl-4116	128	27	.	.	PUNCT
hassl-4116	129	1	as	as	ADP
hassl-4116	129	2	a	a	DET
hassl-4116	129	3	result	result	NOUN
hassl-4116	129	4	,	,	PUNCT
hassl-4116	129	5	higher	high	ADJ
hassl-4116	129	6	perceived	perceive	VERB
hassl-4116	129	7	risk	risk	NOUN
hassl-4116	129	8	usually	usually	ADV
hassl-4116	129	9	leads	lead	VERB
hassl-4116	129	10	to	to	ADP
hassl-4116	129	11	a	a	DET
hassl-4116	129	12	lower	low	ADJ
hassl-4116	129	13	intention	intention	NOUN
hassl-4116	129	14	to	to	PART
hassl-4116	129	15	adopt	adopt	VERB
hassl-4116	129	16	these	these	DET
hassl-4116	129	17	technologies	technology	NOUN
hassl-4116	129	18	.	.	PUNCT
hassl-4116	130	1	in	in	ADP
hassl-4116	130	2	light	light	NOUN
hassl-4116	130	3	of	of	ADP
hassl-4116	130	4	this	this	DET
hassl-4116	130	5	understanding	understanding	NOUN
hassl-4116	130	6	,	,	PUNCT
hassl-4116	130	7	we	we	PRON
hassl-4116	130	8	assume	assume	VERB
hassl-4116	130	9	that	that	SCONJ
hassl-4116	130	10	h3	h3	NOUN
hassl-4116	130	11	:	:	PUNCT
hassl-4116	130	12	perceived	perceive	VERB
hassl-4116	130	13	risk	risk	NOUN
hassl-4116	130	14	negatively	negatively	ADV
hassl-4116	130	15	and	and	CCONJ
hassl-4116	130	16	significantly	significantly	ADV
hassl-4116	130	17	influences	influence	VERB
hassl-4116	130	18	the	the	DET
hassl-4116	130	19	adoption	adoption	NOUN
hassl-4116	130	20	of	of	ADP
hassl-4116	130	21	fintech	fintech	NOUN
hassl-4116	130	22	usage	usage	NOUN
hassl-4116	130	23	.	.	PUNCT
hassl-4116	131	1	purwantini	purwantini	NOUN
hassl-4116	131	2	and	and	CCONJ
hassl-4116	131	3	anisa	anisa	NOUN
hassl-4116	131	4	(	(	PUNCT
hassl-4116	131	5	2021	2021	NUM
hassl-4116	131	6	)	)	PUNCT
hassl-4116	131	7	further	far	ADV
hassl-4116	131	8	remarked	remark	VERB
hassl-4116	131	9	that	that	SCONJ
hassl-4116	131	10	the	the	DET
hassl-4116	131	11	success	success	NOUN
hassl-4116	131	12	rate	rate	NOUN
hassl-4116	131	13	of	of	ADP
hassl-4116	131	14	a	a	DET
hassl-4116	131	15	technology	technology	NOUN
hassl-4116	131	16	system	system	NOUN
hassl-4116	131	17	significantly	significantly	ADV
hassl-4116	131	18	influences	influence	VERB
hassl-4116	131	19	a	a	DET
hassl-4116	131	20	person	person	NOUN
hassl-4116	131	21	's	's	PART
hassl-4116	131	22	decision	decision	NOUN
hassl-4116	131	23	to	to	PART
hassl-4116	131	24	continue	continue	VERB
hassl-4116	131	25	using	use	VERB
hassl-4116	131	26	it	it	PRON
hassl-4116	131	27	.	.	PUNCT
hassl-4116	132	1	users	user	NOUN
hassl-4116	132	2	are	be	AUX
hassl-4116	132	3	more	more	ADV
hassl-4116	132	4	likely	likely	ADJ
hassl-4116	132	5	to	to	PART
hassl-4116	132	6	adopt	adopt	VERB
hassl-4116	132	7	technology	technology	NOUN
hassl-4116	132	8	that	that	PRON
hassl-4116	132	9	helps	help	VERB
hassl-4116	132	10	them	they	PRON
hassl-4116	132	11	complete	complete	ADJ
hassl-4116	132	12	tasks	task	NOUN
hassl-4116	132	13	more	more	ADV
hassl-4116	132	14	efficiently	efficiently	ADV
hassl-4116	132	15	.	.	PUNCT
hassl-4116	133	1	in	in	ADP
hassl-4116	133	2	fintech	fintech	NOUN
hassl-4116	133	3	,	,	PUNCT
hassl-4116	133	4	this	this	PRON
hassl-4116	133	5	means	mean	VERB
hassl-4116	133	6	enabling	enable	VERB
hassl-4116	133	7	transactions	transaction	NOUN
hassl-4116	133	8	while	while	SCONJ
hassl-4116	133	9	reducing	reduce	VERB
hassl-4116	133	10	time	time	NOUN
hassl-4116	133	11	and	and	CCONJ
hassl-4116	133	12	lowering	lower	VERB
hassl-4116	133	13	the	the	DET
hassl-4116	133	14	risk	risk	NOUN
hassl-4116	133	15	of	of	ADP
hassl-4116	133	16	errors	error	NOUN
hassl-4116	133	17	.	.	PUNCT
hassl-4116	134	1	the	the	DET
hassl-4116	134	2	technology	technology	NOUN
hassl-4116	134	3	acceptance	acceptance	NOUN
hassl-4116	134	4	model	model	NOUN
hassl-4116	134	5	(	(	PUNCT
hassl-4116	134	6	tam	tam	NOUN
hassl-4116	134	7	)	)	PUNCT
hassl-4116	134	8	states	state	NOUN
hassl-4116	134	9	that	that	PRON
hassl-4116	134	10	perceived	perceive	VERB
hassl-4116	134	11	usefulness	usefulness	NOUN
hassl-4116	134	12	or	or	CCONJ
hassl-4116	134	13	the	the	DET
hassl-4116	134	14	belief	belief	NOUN
hassl-4116	134	15	that	that	SCONJ
hassl-4116	134	16	a	a	DET
hassl-4116	134	17	technology	technology	NOUN
hassl-4116	134	18	will	will	AUX
hassl-4116	134	19	enhance	enhance	VERB
hassl-4116	134	20	performance	performance	NOUN
hassl-4116	134	21	significantly	significantly	ADV
hassl-4116	134	22	influences	influence	VERB
hassl-4116	134	23	the	the	DET
hassl-4116	134	24	intention	intention	NOUN
hassl-4116	134	25	to	to	PART
hassl-4116	134	26	use	use	VERB
hassl-4116	134	27	it	it	PRON
hassl-4116	134	28	(	(	PUNCT
hassl-4116	134	29	davis	davis	PROPN
hassl-4116	134	30	,	,	PUNCT
hassl-4116	134	31	1989	1989	NUM
hassl-4116	134	32	)	)	PUNCT
hassl-4116	134	33	.	.	PUNCT
hassl-4116	135	1	the	the	DET
hassl-4116	135	2	study	study	NOUN
hassl-4116	135	3	findings	finding	VERB
hassl-4116	135	4	by	by	ADP
hassl-4116	135	5	nugraha	nugraha	PROPN
hassl-4116	135	6	et	et	PROPN
hassl-4116	135	7	al	al	PROPN
hassl-4116	135	8	.	.	PROPN
hassl-4116	136	1	(	(	PUNCT
hassl-4116	136	2	2022	2022	NUM
hassl-4116	136	3	)	)	PUNCT
hassl-4116	136	4	show	show	VERB
hassl-4116	136	5	that	that	SCONJ
hassl-4116	136	6	the	the	DET
hassl-4116	136	7	perceived	perceive	VERB
hassl-4116	136	8	usefulness	usefulness	NOUN
hassl-4116	136	9	directly	directly	ADV
hassl-4116	136	10	affects	affect	VERB
hassl-4116	136	11	the	the	DET
hassl-4116	136	12	intention	intention	NOUN
hassl-4116	136	13	to	to	PART
hassl-4116	136	14	adopt	adopt	VERB
hassl-4116	136	15	fintech	fintech	NOUN
hassl-4116	136	16	.	.	PUNCT
hassl-4116	137	1	research	research	NOUN
hassl-4116	137	2	on	on	ADP
hassl-4116	137	3	consumer	consumer	NOUN
hassl-4116	137	4	behavior	behavior	NOUN
hassl-4116	137	5	indicates	indicate	VERB
hassl-4116	137	6	that	that	SCONJ
hassl-4116	137	7	people	people	NOUN
hassl-4116	137	8	who	who	PRON
hassl-4116	137	9	see	see	VERB
hassl-4116	137	10	a	a	DET
hassl-4116	137	11	system	system	NOUN
hassl-4116	137	12	as	as	ADP
hassl-4116	137	13	beneficial	beneficial	ADJ
hassl-4116	137	14	are	be	AUX
hassl-4116	137	15	more	more	ADV
hassl-4116	137	16	likely	likely	ADJ
hassl-4116	137	17	to	to	PART
hassl-4116	137	18	adopt	adopt	VERB
hassl-4116	137	19	fintech	fintech	NOUN
hassl-4116	137	20	services	service	NOUN
hassl-4116	137	21	(	(	PUNCT
hassl-4116	137	22	akturan	akturan	ADJ
hassl-4116	137	23	&	&	CCONJ
hassl-4116	137	24	tezcan	tezcan	ADJ
hassl-4116	137	25	,	,	PUNCT
hassl-4116	137	26	2012	2012	NUM
hassl-4116	137	27	;	;	PUNCT
hassl-4116	137	28	gao	gao	PROPN
hassl-4116	137	29	&	&	CCONJ
hassl-4116	137	30	bai	bai	PROPN
hassl-4116	137	31	,	,	PUNCT
hassl-4116	137	32	2014	2014	NUM
hassl-4116	137	33	;	;	PUNCT
hassl-4116	137	34	hu	hu	PROPN
hassl-4116	137	35	et	et	PROPN
hassl-4116	137	36	al	al	PROPN
hassl-4116	137	37	.	.	PROPN
hassl-4116	137	38	,	,	PUNCT
hassl-4116	137	39	2019	2019	NUM
hassl-4116	137	40	;	;	PUNCT
hassl-4116	137	41	ming	ming	PROPN
hassl-4116	137	42	&	&	CCONJ
hassl-4116	137	43	jais	jais	PROPN
hassl-4116	137	44	,	,	PUNCT
hassl-4116	137	45	2022	2022	NUM
hassl-4116	137	46	)	)	PUNCT
hassl-4116	137	47	.	.	PUNCT
hassl-4116	138	1	therefore	therefore	ADV
hassl-4116	138	2	,	,	PUNCT
hassl-4116	138	3	we	we	PRON
hassl-4116	138	4	hypothesize	hypothesize	VERB
hassl-4116	138	5	that	that	SCONJ
hassl-4116	138	6	h4	h4	PROPN
hassl-4116	138	7	:	:	PUNCT
hassl-4116	138	8	perceived	perceive	VERB
hassl-4116	138	9	usefulness	usefulness	NOUN
hassl-4116	138	10	positively	positively	ADV
hassl-4116	138	11	and	and	CCONJ
hassl-4116	138	12	significantly	significantly	ADV
hassl-4116	138	13	influences	influence	VERB
hassl-4116	138	14	fintech	fintech	NOUN
hassl-4116	138	15	usage	usage	NOUN
hassl-4116	138	16	adoption	adoption	NOUN
hassl-4116	138	17	.	.	PUNCT
hassl-4116	139	1	the	the	DET
hassl-4116	139	2	perceived	perceive	VERB
hassl-4116	139	3	benefit	benefit	NOUN
hassl-4116	139	4	is	be	AUX
hassl-4116	139	5	crucial	crucial	ADJ
hassl-4116	139	6	for	for	ADP
hassl-4116	139	7	the	the	DET
hassl-4116	139	8	ongoing	ongoing	ADJ
hassl-4116	139	9	use	use	NOUN
hassl-4116	139	10	of	of	ADP
hassl-4116	139	11	fintech	fintech	NOUN
hassl-4116	139	12	services	service	NOUN
hassl-4116	139	13	,	,	PUNCT
hassl-4116	139	14	as	as	SCONJ
hassl-4116	139	15	described	describe	VERB
hassl-4116	139	16	by	by	ADP
hassl-4116	139	17	the	the	DET
hassl-4116	139	18	theory	theory	NOUN
hassl-4116	139	19	of	of	ADP
hassl-4116	139	20	reasoned	reason	VERB
hassl-4116	139	21	action	action	NOUN
hassl-4116	139	22	(	(	PUNCT
hassl-4116	139	23	tra	tra	NOUN
hassl-4116	139	24	)	)	PUNCT
hassl-4116	139	25	.	.	PUNCT
hassl-4116	140	1	this	this	DET
hassl-4116	140	2	theory	theory	NOUN
hassl-4116	140	3	indicates	indicate	VERB
hassl-4116	140	4	that	that	SCONJ
hassl-4116	140	5	a	a	DET
hassl-4116	140	6	positive	positive	ADJ
hassl-4116	140	7	view	view	NOUN
hassl-4116	140	8	of	of	ADP
hassl-4116	140	9	perceived	perceive	VERB
hassl-4116	140	10	benefits	benefit	NOUN
hassl-4116	140	11	,	,	PUNCT
hassl-4116	140	12	like	like	ADP
hassl-4116	140	13	transaction	transaction	NOUN
hassl-4116	140	14	ease	ease	NOUN
hassl-4116	140	15	and	and	CCONJ
hassl-4116	140	16	economic	economic	ADJ
hassl-4116	140	17	gains	gain	NOUN
hassl-4116	140	18	enhance	enhance	VERB
hassl-4116	140	19	the	the	DET
hassl-4116	140	20	intention	intention	NOUN
hassl-4116	140	21	to	to	PART
hassl-4116	140	22	continue	continue	VERB
hassl-4116	140	23	using	use	VERB
hassl-4116	140	24	the	the	DET
hassl-4116	140	25	service	service	NOUN
hassl-4116	140	26	.	.	PUNCT
hassl-4116	141	1	research	research	NOUN
hassl-4116	141	2	shows	show	VERB
hassl-4116	141	3	that	that	SCONJ
hassl-4116	141	4	perceived	perceive	VERB
hassl-4116	141	5	benefits	benefit	NOUN
hassl-4116	141	6	,	,	PUNCT
hassl-4116	141	7	especially	especially	ADV
hassl-4116	141	8	economic	economic	ADJ
hassl-4116	141	9	ones	one	NOUN
hassl-4116	141	10	significantly	significantly	ADV
hassl-4116	141	11	influence	influence	VERB
hassl-4116	141	12	the	the	DET
hassl-4116	141	13	ongoing	ongoing	ADJ
hassl-4116	141	14	intention	intention	NOUN
hassl-4116	141	15	to	to	PART
hassl-4116	141	16	use	use	VERB
hassl-4116	141	17	fintech	fintech	NOUN
hassl-4116	141	18	services	service	NOUN
hassl-4116	141	19	(	(	PUNCT
hassl-4116	141	20	ajzen	ajzen	PROPN
hassl-4116	141	21	&	&	CCONJ
hassl-4116	141	22	fishbein	fishbein	PROPN
hassl-4116	141	23	,	,	PUNCT
hassl-4116	141	24	1977	1977	NUM
hassl-4116	141	25	;	;	PUNCT
hassl-4116	141	26	mascarenhas	mascarenhas	PROPN
hassl-4116	141	27	et	et	PROPN
hassl-4116	141	28	al	al	PROPN
hassl-4116	141	29	.	.	PROPN
hassl-4116	141	30	,	,	PUNCT
hassl-4116	141	31	2021	2021	NUM
hassl-4116	141	32	)	)	PUNCT
hassl-4116	141	33	.	.	PUNCT
hassl-4116	142	1	consequently	consequently	ADV
hassl-4116	142	2	,	,	PUNCT
hassl-4116	142	3	perceived	perceive	VERB
hassl-4116	142	4	benefit	benefit	NOUN
hassl-4116	142	5	is	be	AUX
hassl-4116	142	6	crucial	crucial	ADJ
hassl-4116	142	7	in	in	ADP
hassl-4116	142	8	influencing	influence	VERB
hassl-4116	142	9	the	the	DET
hassl-4116	142	10	intention	intention	NOUN
hassl-4116	142	11	and	and	CCONJ
hassl-4116	142	12	ongoing	ongoing	ADJ
hassl-4116	142	13	behavior	behavior	NOUN
hassl-4116	142	14	of	of	ADP
hassl-4116	142	15	fintech	fintech	NOUN
hassl-4116	142	16	users	user	NOUN
hassl-4116	142	17	as	as	ADV
hassl-4116	142	18	delineated	delineate	VERB
hassl-4116	142	19	by	by	ADP
hassl-4116	142	20	tra	tra	PROPN
hassl-4116	142	21	.	.	PUNCT
hassl-4116	143	1	hence	hence	ADV
hassl-4116	143	2	,	,	PUNCT
hassl-4116	143	3	we	we	PRON
hassl-4116	143	4	anticipate	anticipate	VERB
hassl-4116	143	5	that	that	SCONJ
hassl-4116	143	6	h5	h5	NOUN
hassl-4116	143	7	:	:	PUNCT
hassl-4116	143	8	perceived	perceive	VERB
hassl-4116	143	9	benefit	benefit	NOUN
hassl-4116	143	10	positively	positively	ADV
hassl-4116	143	11	and	and	CCONJ
hassl-4116	143	12	significantly	significantly	ADV
hassl-4116	143	13	affects	affect	VERB
hassl-4116	143	14	fintech	fintech	NOUN
hassl-4116	143	15	usage	usage	NOUN
hassl-4116	143	16	continuity	continuity	NOUN
hassl-4116	143	17	.	.	PUNCT
hassl-4116	144	1	the	the	DET
hassl-4116	144	2	theory	theory	NOUN
hassl-4116	144	3	of	of	ADP
hassl-4116	144	4	reasoned	reason	VERB
hassl-4116	144	5	action	action	NOUN
hassl-4116	144	6	(	(	PUNCT
hassl-4116	144	7	tra	tra	NOUN
hassl-4116	144	8	)	)	PUNCT
hassl-4116	144	9	elaborates	elaborate	VERB
hassl-4116	144	10	that	that	SCONJ
hassl-4116	144	11	a	a	DET
hassl-4116	144	12	person	person	NOUN
hassl-4116	144	13	's	's	PART
hassl-4116	144	14	intent	intent	NOUN
hassl-4116	144	15	to	to	PART
hassl-4116	144	16	behave	behave	VERB
hassl-4116	144	17	is	be	AUX
hassl-4116	144	18	determined	determine	VERB
hassl-4116	144	19	by	by	ADP
hassl-4116	144	20	the	the	DET
hassl-4116	144	21	following	follow	VERB
hassl-4116	144	22	two	two	NUM
hassl-4116	144	23	primary	primary	ADJ
hassl-4116	144	24	factors	factor	NOUN
hassl-4116	144	25	:	:	PUNCT
hassl-4116	144	26	the	the	DET
hassl-4116	144	27	attitudes	attitude	NOUN
hassl-4116	144	28	toward	toward	ADP
hassl-4116	144	29	the	the	DET
hassl-4116	144	30	behaviors	behavior	NOUN
hassl-4116	144	31	and	and	CCONJ
hassl-4116	144	32	the	the	DET
hassl-4116	144	33	subjective	subjective	ADJ
hassl-4116	144	34	norms	norm	NOUN
hassl-4116	144	35	.	.	PUNCT
hassl-4116	145	1	the	the	DET
hassl-4116	145	2	perceived	perceive	VERB
hassl-4116	145	3	ease	ease	NOUN
hassl-4116	145	4	of	of	ADP
hassl-4116	145	5	use	use	NOUN
hassl-4116	145	6	is	be	AUX
hassl-4116	145	7	linked	link	VERB
hassl-4116	145	8	to	to	ADP
hassl-4116	145	9	the	the	DET
hassl-4116	145	10	attitude	attitude	NOUN
hassl-4116	145	11	towards	towards	ADP
hassl-4116	145	12	behavior	behavior	NOUN
hassl-4116	145	13	in	in	ADP
hassl-4116	145	14	the	the	DET
hassl-4116	145	15	tra	tra	PROPN
hassl-4116	145	16	concept	concept	NOUN
hassl-4116	145	17	.	.	PUNCT
hassl-4116	146	1	users	user	NOUN
hassl-4116	146	2	who	who	PRON
hassl-4116	146	3	perceive	perceive	VERB
hassl-4116	146	4	fintech	fintech	NOUN
hassl-4116	146	5	services	service	NOUN
hassl-4116	146	6	as	as	ADP
hassl-4116	146	7	userfriendly	userfriendly	ADV
hassl-4116	146	8	are	be	AUX
hassl-4116	146	9	inclined	incline	VERB
hassl-4116	146	10	to	to	PART
hassl-4116	146	11	develop	develop	VERB
hassl-4116	146	12	a	a	DET
hassl-4116	146	13	favorable	favorable	ADJ
hassl-4116	146	14	disposition	disposition	NOUN
hassl-4116	146	15	towards	towards	ADP
hassl-4116	146	16	these	these	DET
hassl-4116	146	17	services	service	NOUN
hassl-4116	146	18	.	.	PUNCT
hassl-4116	147	1	thereby	thereby	ADV
hassl-4116	147	2	,	,	PUNCT
hassl-4116	147	3	it	it	PRON
hassl-4116	147	4	enhances	enhance	VERB
hassl-4116	147	5	their	their	PRON
hassl-4116	147	6	intention	intention	NOUN
hassl-4116	147	7	to	to	PART
hassl-4116	147	8	keep	keep	VERB
hassl-4116	147	9	utilizing	utilize	VERB
hassl-4116	147	10	them	they	PRON
hassl-4116	147	11	(	(	PUNCT
hassl-4116	147	12	irimia	irimia	NOUN
hassl-4116	147	13	-	-	PUNCT
hassl-4116	147	14	diéguez	diéguez	NOUN
hassl-4116	147	15	,	,	PUNCT
hassl-4116	147	16	velicia	velicia	NOUN
hassl-4116	147	17	-	-	PUNCT
hassl-4116	147	18	martín	martín	NOUN
hassl-4116	147	19	,	,	PUNCT
hassl-4116	147	20	&	&	CCONJ
hassl-4116	147	21	aguayo	aguayo	PROPN
hassl-4116	147	22	-	-	PUNCT
hassl-4116	147	23	camacho	camacho	PROPN
hassl-4116	147	24	,	,	PUNCT
hassl-4116	147	25	2023	2023	NUM
hassl-4116	147	26	;	;	PUNCT
hassl-4116	147	27	sheppard	sheppard	NOUN
hassl-4116	147	28	,	,	PUNCT
hassl-4116	147	29	hartwick	hartwick	PROPN
hassl-4116	147	30	,	,	PUNCT
hassl-4116	147	31	&	&	CCONJ
hassl-4116	147	32	warshaw	warshaw	PROPN
hassl-4116	147	33	,	,	PUNCT
hassl-4116	147	34	1988	1988	NUM
hassl-4116	147	35	)	)	PUNCT
hassl-4116	147	36	.	.	PUNCT
hassl-4116	148	1	the	the	DET
hassl-4116	148	2	study	study	NOUN
hassl-4116	148	3	findings	finding	NOUN
hassl-4116	148	4	by	by	ADP
hassl-4116	148	5	wilson	wilson	PROPN
hassl-4116	148	6	,	,	PUNCT
hassl-4116	148	7	alvita	alvita	PROPN
hassl-4116	148	8	,	,	PUNCT
hassl-4116	148	9	and	and	CCONJ
hassl-4116	148	10	wibisono	wibisono	X
hassl-4116	148	11	(	(	PUNCT
hassl-4116	148	12	2021	2021	NUM
hassl-4116	148	13	)	)	PUNCT
hassl-4116	148	14	revealed	reveal	VERB
hassl-4116	148	15	that	that	SCONJ
hassl-4116	148	16	there	there	PRON
hassl-4116	148	17	is	be	VERB
hassl-4116	148	18	a	a	DET
hassl-4116	148	19	positive	positive	ADJ
hassl-4116	148	20	correlation	correlation	NOUN
hassl-4116	148	21	between	between	ADP
hassl-4116	148	22	perceived	perceive	VERB
hassl-4116	148	23	ease	ease	NOUN
hassl-4116	148	24	of	of	ADP
hassl-4116	148	25	use	use	NOUN
hassl-4116	148	26	and	and	CCONJ
hassl-4116	148	27	repurchase	repurchase	VERB
hassl-4116	148	28	intention	intention	NOUN
hassl-4116	148	29	.	.	PUNCT
hassl-4116	149	1	this	this	DET
hassl-4116	149	2	conclusion	conclusion	NOUN
hassl-4116	149	3	is	be	AUX
hassl-4116	149	4	confirmed	confirm	VERB
hassl-4116	149	5	further	far	ADV
hassl-4116	149	6	by	by	ADP
hassl-4116	149	7	supplementary	supplementary	ADJ
hassl-4116	149	8	research	research	NOUN
hassl-4116	149	9	which	which	PRON
hassl-4116	149	10	indicates	indicate	VERB
hassl-4116	149	11	that	that	SCONJ
hassl-4116	149	12	users	user	NOUN
hassl-4116	149	13	who	who	PRON
hassl-4116	149	14	regard	regard	VERB
hassl-4116	149	15	technology	technology	NOUN
hassl-4116	149	16	as	as	ADP
hassl-4116	149	17	user	user	NOUN
hassl-4116	149	18	-	-	PUNCT
hassl-4116	149	19	friendly	friendly	ADJ
hassl-4116	149	20	(	(	PUNCT
hassl-4116	149	21	easily	easily	ADV
hassl-4116	149	22	used	use	VERB
hassl-4116	149	23	)	)	PUNCT
hassl-4116	149	24	have	have	VERB
hassl-4116	149	25	more	more	ADJ
hassl-4116	149	26	inclination	inclination	NOUN
hassl-4116	149	27	to	to	PART
hassl-4116	149	28	have	have	AUX
hassl-4116	149	29	greater	great	ADJ
hassl-4116	149	30	perceived	perceive	VERB
hassl-4116	149	31	ease	ease	NOUN
hassl-4116	149	32	of	of	ADP
hassl-4116	149	33	use	use	NOUN
hassl-4116	149	34	and	and	CCONJ
hassl-4116	149	35	engage	engage	VERB
hassl-4116	149	36	with	with	ADP
hassl-4116	149	37	it	it	PRON
hassl-4116	149	38	again	again	ADV
hassl-4116	149	39	(	(	PUNCT
hassl-4116	149	40	ali	ali	PROPN
hassl-4116	149	41	et	et	PROPN
hassl-4116	149	42	al	al	PROPN
hassl-4116	149	43	.	.	PROPN
hassl-4116	149	44	,	,	PUNCT
hassl-4116	149	45	2021	2021	NUM
hassl-4116	149	46	;	;	PUNCT
hassl-4116	149	47	amin	amin	NOUN
hassl-4116	149	48	,	,	PUNCT
hassl-4116	149	49	rezaei	rezaei	PROPN
hassl-4116	149	50	,	,	PUNCT
hassl-4116	149	51	&	&	CCONJ
hassl-4116	149	52	abolghasemi	abolghasemi	PROPN
hassl-4116	149	53	,	,	PUNCT
hassl-4116	149	54	2014	2014	NUM
hassl-4116	149	55	;	;	PUNCT
hassl-4116	149	56	aren	aren	PROPN
hassl-4116	149	57	,	,	PUNCT
hassl-4116	149	58	güzel	güzel	PROPN
hassl-4116	149	59	,	,	PUNCT
hassl-4116	149	60	kabadayı	kabadayı	PROPN
hassl-4116	149	61	,	,	PUNCT
hassl-4116	149	62	&	&	CCONJ
hassl-4116	149	63	alpkan	alpkan	PROPN
hassl-4116	149	64	,	,	PUNCT
hassl-4116	149	65	2013	2013	NUM
hassl-4116	149	66	;	;	PUNCT
hassl-4116	149	67	kim	kim	PROPN
hassl-4116	149	68	,	,	PUNCT
hassl-4116	149	69	galliers	gallier	NOUN
hassl-4116	149	70	,	,	PUNCT
hassl-4116	149	71	shin	shin	NOUN
hassl-4116	149	72	,	,	PUNCT
hassl-4116	149	73	ryoo	ryoo	NOUN
hassl-4116	149	74	,	,	PUNCT
hassl-4116	149	75	&	&	CCONJ
hassl-4116	149	76	kim	kim	PROPN
hassl-4116	149	77	,	,	PUNCT
hassl-4116	149	78	2012	2012	NUM
hassl-4116	149	79	;	;	PUNCT
hassl-4116	149	80	lee	lee	PROPN
hassl-4116	149	81	&	&	CCONJ
hassl-4116	149	82	charles	charles	PROPN
hassl-4116	149	83	,	,	PUNCT
hassl-4116	149	84	2021	2021	NUM
hassl-4116	149	85	;	;	PUNCT
hassl-4116	149	86	meilatinova	meilatinova	PROPN
hassl-4116	149	87	,	,	PUNCT
hassl-4116	149	88	2021	2021	NUM
hassl-4116	149	89	;	;	PUNCT
hassl-4116	149	90	visakha	visakha	PROPN
hassl-4116	149	91	&	&	CCONJ
hassl-4116	149	92	keni	keni	PROPN
hassl-4116	149	93	,	,	PUNCT
hassl-4116	149	94	2022	2022	NUM
hassl-4116	149	95	)	)	PUNCT
hassl-4116	149	96	.	.	PUNCT
hassl-4116	150	1	therefore	therefore	ADV
hassl-4116	150	2	,	,	PUNCT
hassl-4116	150	3	we	we	PRON
hassl-4116	150	4	hypothesize	hypothesize	VERB
hassl-4116	150	5	that	that	SCONJ
hassl-4116	150	6	h6	h6	PROPN
hassl-4116	150	7	:	:	PUNCT
hassl-4116	150	8	perceived	perceive	VERB
hassl-4116	150	9	ease	ease	NOUN
hassl-4116	150	10	of	of	ADP
hassl-4116	150	11	use	use	NOUN
hassl-4116	150	12	positively	positively	ADV
hassl-4116	150	13	and	and	CCONJ
hassl-4116	150	14	significantly	significantly	ADV
hassl-4116	150	15	influences	influence	VERB
hassl-4116	150	16	fintech	fintech	NOUN
hassl-4116	150	17	usage	usage	NOUN
hassl-4116	150	18	continuity	continuity	NOUN
hassl-4116	150	19	.	.	PUNCT
hassl-4116	151	1	the	the	DET
hassl-4116	151	2	perceived	perceive	VERB
hassl-4116	151	3	risk	risk	NOUN
hassl-4116	151	4	substantially	substantially	ADV
hassl-4116	151	5	influences	influence	VERB
hassl-4116	151	6	fintech	fintech	NOUN
hassl-4116	151	7	usage	usage	NOUN
hassl-4116	151	8	continuity	continuity	NOUN
hassl-4116	151	9	,	,	PUNCT
hassl-4116	151	10	as	as	SCONJ
hassl-4116	151	11	described	describe	VERB
hassl-4116	151	12	by	by	ADP
hassl-4116	151	13	the	the	DET
hassl-4116	151	14	theory	theory	NOUN
hassl-4116	151	15	of	of	ADP
hassl-4116	151	16	reasoned	reason	VERB
hassl-4116	151	17	action	action	NOUN
hassl-4116	151	18	(	(	PUNCT
hassl-4116	151	19	tra	tra	NOUN
hassl-4116	151	20	)	)	PUNCT
hassl-4116	151	21	.	.	PUNCT
hassl-4116	152	1	elevated	elevate	VERB
hassl-4116	152	2	perceived	perceive	VERB
hassl-4116	152	3	risks	risk	NOUN
hassl-4116	152	4	such	such	ADJ
hassl-4116	152	5	as	as	ADP
hassl-4116	152	6	financial	financial	ADJ
hassl-4116	152	7	,	,	PUNCT
hassl-4116	152	8	legal	legal	ADJ
hassl-4116	152	9	,	,	PUNCT
hassl-4116	152	10	security	security	NOUN
hassl-4116	152	11	,	,	PUNCT
hassl-4116	152	12	and	and	CCONJ
hassl-4116	152	13	operational	operational	ADJ
hassl-4116	152	14	risks	risk	NOUN
hassl-4116	152	15	,	,	PUNCT
hassl-4116	152	16	foster	foster	ADJ
hassl-4116	152	17	negative	negative	ADJ
hassl-4116	152	18	attitudes	attitude	NOUN
hassl-4116	152	19	toward	toward	ADP
hassl-4116	152	20	fintech	fintech	NOUN
hassl-4116	152	21	services	service	NOUN
hassl-4116	152	22	.	.	PUNCT
hassl-4116	153	1	therefore	therefore	ADV
hassl-4116	153	2	,	,	PUNCT
hassl-4116	153	3	they	they	PRON
hassl-4116	153	4	diminish	diminish	VERB
hassl-4116	153	5	users	user	NOUN
hassl-4116	153	6	'	'	PART
hassl-4116	153	7	intention	intention	NOUN
hassl-4116	153	8	to	to	PART
hassl-4116	153	9	continue	continue	VERB
hassl-4116	153	10	utilizing	utilize	VERB
hassl-4116	153	11	them	they	PRON
hassl-4116	153	12	.	.	PUNCT
hassl-4116	154	1	previous	previous	ADJ
hassl-4116	154	2	studies	study	NOUN
hassl-4116	154	3	estimate	estimate	VERB
hassl-4116	154	4	that	that	SCONJ
hassl-4116	154	5	perceived	perceive	VERB
hassl-4116	154	6	risk	risk	NOUN
hassl-4116	154	7	undermines	undermine	VERB
hassl-4116	154	8	user	user	NOUN
hassl-4116	154	9	trust	trust	NOUN
hassl-4116	154	10	and	and	CCONJ
hassl-4116	154	11	has	have	VERB
hassl-4116	154	12	a	a	DET
hassl-4116	154	13	negative	negative	ADJ
hassl-4116	154	14	significant	significant	ADJ
hassl-4116	154	15	effect	effect	NOUN
hassl-4116	154	16	on	on	ADP
hassl-4116	154	17	the	the	DET
hassl-4116	154	18	intent	intent	NOUN
hassl-4116	154	19	to	to	PART
hassl-4116	154	20	use	use	VERB
hassl-4116	154	21	the	the	DET
hassl-4116	154	22	continuity	continuity	NOUN
hassl-4116	154	23	of	of	ADP
hassl-4116	154	24	fintech	fintech	NOUN
hassl-4116	154	25	usage	usage	NOUN
hassl-4116	154	26	.	.	PUNCT
hassl-4116	155	1	providers	provider	NOUN
hassl-4116	155	2	must	must	AUX
hassl-4116	155	3	mitigate	mitigate	VERB
hassl-4116	155	4	the	the	DET
hassl-4116	155	5	risks	risk	NOUN
hassl-4116	155	6	mentioned	mention	VERB
hassl-4116	155	7	by	by	ADP
hassl-4116	155	8	implementing	implement	VERB
hassl-4116	155	9	enhanced	enhanced	ADJ
hassl-4116	155	10	security	security	NOUN
hassl-4116	155	11	measures	measure	NOUN
hassl-4116	155	12	,	,	PUNCT
hassl-4116	155	13	assurance	assurance	NOUN
hassl-4116	155	14	of	of	ADP
hassl-4116	155	15	transparency	transparency	NOUN
hassl-4116	155	16	and	and	CCONJ
hassl-4116	155	17	enhancement	enhancement	NOUN
hassl-4116	155	18	of	of	ADP
hassl-4116	155	19	user	user	NOUN
hassl-4116	155	20	education	education	NOUN
hassl-4116	155	21	to	to	PART
hassl-4116	155	22	promote	promote	VERB
hassl-4116	155	23	usage	usage	NOUN
hassl-4116	155	24	continuity	continuity	NOUN
hassl-4116	155	25	(	(	PUNCT
hassl-4116	155	26	ajzen	ajzen	PROPN
hassl-4116	155	27	&	&	CCONJ
hassl-4116	155	28	fishbein	fishbein	PROPN
hassl-4116	155	29	,	,	PUNCT
hassl-4116	155	30	1977	1977	NUM
hassl-4116	155	31	;	;	PUNCT
hassl-4116	155	32	mascarenhas	mascarenhas	PROPN
hassl-4116	155	33	et	et	PROPN
hassl-4116	155	34	al	al	PROPN
hassl-4116	155	35	.	.	PROPN
hassl-4116	155	36	,	,	PUNCT
hassl-4116	155	37	2021	2021	NUM
hassl-4116	155	38	;	;	PUNCT
hassl-4116	155	39	purnama	purnama	NOUN
hassl-4116	155	40	,	,	PUNCT
hassl-4116	155	41	suryadi	suryadi	NOUN
hassl-4116	155	42	,	,	PUNCT
hassl-4116	155	43	&	&	CCONJ
hassl-4116	155	44	andarwati	andarwati	PROPN
hassl-4116	155	45	,	,	PUNCT
hassl-4116	155	46	2023	2023	NUM
hassl-4116	155	47	)	)	PUNCT
hassl-4116	155	48	.	.	PUNCT
hassl-4116	156	1	therefore	therefore	ADV
hassl-4116	156	2	,	,	PUNCT
hassl-4116	156	3	we	we	PRON
hassl-4116	156	4	posit	posit	VERB
hassl-4116	156	5	that	that	SCONJ
hassl-4116	156	6	humanities	humanity	NOUN
hassl-4116	156	7	and	and	CCONJ
hassl-4116	156	8	social	social	ADJ
hassl-4116	156	9	sciences	science	NOUN
hassl-4116	156	10	letters	letter	NOUN
hassl-4116	156	11	,	,	PUNCT
hassl-4116	156	12	2025	2025	NUM
hassl-4116	156	13	,	,	PUNCT
hassl-4116	156	14	13(2	13(2	NUM
hassl-4116	156	15	):	):	PUNCT
hassl-4116	156	16	409	409	NUM
hassl-4116	156	17	-	-	SYM
hassl-4116	156	18	427	427	NUM
hassl-4116	156	19	414	414	NUM
hassl-4116	156	20	©	©	ADP
hassl-4116	156	21	2025	2025	NUM
hassl-4116	156	22	conscientia	conscientia	PROPN
hassl-4116	156	23	beam	beam	PROPN
hassl-4116	156	24	.	.	PUNCT
hassl-4116	157	1	all	all	DET
hassl-4116	157	2	rights	right	NOUN
hassl-4116	157	3	reserved	reserve	VERB
hassl-4116	157	4	.	.	PUNCT
hassl-4116	158	1	h7	h7	PROPN
hassl-4116	158	2	:	:	PUNCT
hassl-4116	158	3	perceived	perceive	VERB
hassl-4116	158	4	risk	risk	NOUN
hassl-4116	158	5	negatively	negatively	ADV
hassl-4116	158	6	and	and	CCONJ
hassl-4116	158	7	significantly	significantly	ADV
hassl-4116	158	8	influences	influence	VERB
hassl-4116	158	9	the	the	DET
hassl-4116	158	10	fintech	fintech	NOUN
hassl-4116	158	11	usage	usage	NOUN
hassl-4116	158	12	continuity	continuity	NOUN
hassl-4116	158	13	.	.	PUNCT
hassl-4116	159	1	the	the	DET
hassl-4116	159	2	theory	theory	NOUN
hassl-4116	159	3	of	of	ADP
hassl-4116	159	4	reasoned	reason	VERB
hassl-4116	159	5	action	action	NOUN
hassl-4116	159	6	(	(	PUNCT
hassl-4116	159	7	tra	tra	NOUN
hassl-4116	159	8	)	)	PUNCT
hassl-4116	159	9	by	by	ADP
hassl-4116	159	10	ajzen	ajzen	NOUN
hassl-4116	159	11	and	and	CCONJ
hassl-4116	159	12	fishbein	fishbein	ADJ
hassl-4116	159	13	(	(	PUNCT
hassl-4116	159	14	1977	1977	NUM
hassl-4116	159	15	)	)	PUNCT
hassl-4116	159	16	claims	claim	VERB
hassl-4116	159	17	that	that	SCONJ
hassl-4116	159	18	users	user	NOUN
hassl-4116	159	19	'	'	PART
hassl-4116	159	20	attitudes	attitude	NOUN
hassl-4116	159	21	towards	towards	ADP
hassl-4116	159	22	continued	continue	VERB
hassl-4116	159	23	use	use	NOUN
hassl-4116	159	24	of	of	ADP
hassl-4116	159	25	fintech	fintech	NOUN
hassl-4116	159	26	services	service	NOUN
hassl-4116	159	27	are	be	AUX
hassl-4116	159	28	related	relate	VERB
hassl-4116	159	29	to	to	ADP
hassl-4116	159	30	perceived	perceive	VERB
hassl-4116	159	31	usefulness	usefulness	NOUN
hassl-4116	159	32	.	.	PUNCT
hassl-4116	160	1	tra	tra	PROPN
hassl-4116	160	2	suggests	suggest	VERB
hassl-4116	160	3	that	that	SCONJ
hassl-4116	160	4	a	a	DET
hassl-4116	160	5	person	person	NOUN
hassl-4116	160	6	's	's	PART
hassl-4116	160	7	attitude	attitude	NOUN
hassl-4116	160	8	toward	toward	ADP
hassl-4116	160	9	behavior	behavior	NOUN
hassl-4116	160	10	and	and	CCONJ
hassl-4116	160	11	subjective	subjective	ADJ
hassl-4116	160	12	norms	norm	NOUN
hassl-4116	160	13	create	create	VERB
hassl-4116	160	14	behavioral	behavioral	ADJ
hassl-4116	160	15	intention	intention	NOUN
hassl-4116	160	16	which	which	PRON
hassl-4116	160	17	influences	influence	VERB
hassl-4116	160	18	actual	actual	ADJ
hassl-4116	160	19	behavior	behavior	NOUN
hassl-4116	160	20	.	.	PUNCT
hassl-4116	161	1	when	when	SCONJ
hassl-4116	161	2	users	user	NOUN
hassl-4116	161	3	see	see	VERB
hassl-4116	161	4	fintech	fintech	NOUN
hassl-4116	161	5	services	service	NOUN
hassl-4116	161	6	as	as	ADP
hassl-4116	161	7	helpful	helpful	ADJ
hassl-4116	161	8	,	,	PUNCT
hassl-4116	161	9	they	they	PRON
hassl-4116	161	10	tend	tend	VERB
hassl-4116	161	11	to	to	PART
hassl-4116	161	12	maintain	maintain	VERB
hassl-4116	161	13	a	a	DET
hassl-4116	161	14	positive	positive	ADJ
hassl-4116	161	15	view	view	NOUN
hassl-4116	161	16	of	of	ADP
hassl-4116	161	17	continued	continued	ADJ
hassl-4116	161	18	use	use	NOUN
hassl-4116	161	19	.	.	PUNCT
hassl-4116	162	1	a	a	DET
hassl-4116	162	2	positive	positive	ADJ
hassl-4116	162	3	attitude	attitude	NOUN
hassl-4116	162	4	and	and	CCONJ
hassl-4116	162	5	factors	factor	NOUN
hassl-4116	162	6	like	like	ADP
hassl-4116	162	7	social	social	ADJ
hassl-4116	162	8	influence	influence	NOUN
hassl-4116	162	9	and	and	CCONJ
hassl-4116	162	10	environmental	environmental	ADJ
hassl-4116	162	11	pressure	pressure	NOUN
hassl-4116	162	12	increase	increase	VERB
hassl-4116	162	13	the	the	DET
hassl-4116	162	14	intention	intention	NOUN
hassl-4116	162	15	to	to	PART
hassl-4116	162	16	keep	keep	VERB
hassl-4116	162	17	using	use	VERB
hassl-4116	162	18	fintech	fintech	NOUN
hassl-4116	162	19	services	service	NOUN
hassl-4116	162	20	.	.	PUNCT
hassl-4116	163	1	perceived	perceive	VERB
hassl-4116	163	2	usefulness	usefulness	NOUN
hassl-4116	163	3	is	be	AUX
hassl-4116	163	4	important	important	ADJ
hassl-4116	163	5	for	for	ADP
hassl-4116	163	6	creating	create	VERB
hassl-4116	163	7	positive	positive	ADJ
hassl-4116	163	8	attitudes	attitude	NOUN
hassl-4116	163	9	that	that	PRON
hassl-4116	163	10	promote	promote	VERB
hassl-4116	163	11	continued	continued	ADJ
hassl-4116	163	12	use	use	NOUN
hassl-4116	163	13	of	of	ADP
hassl-4116	163	14	fintech	fintech	NOUN
hassl-4116	163	15	services	service	NOUN
hassl-4116	163	16	.	.	PUNCT
hassl-4116	164	1	previous	previous	ADJ
hassl-4116	164	2	research	research	NOUN
hassl-4116	164	3	by	by	ADP
hassl-4116	164	4	wen	wen	PROPN
hassl-4116	164	5	,	,	PUNCT
hassl-4116	164	6	prybutok	prybutok	NOUN
hassl-4116	164	7	,	,	PUNCT
hassl-4116	164	8	and	and	CCONJ
hassl-4116	164	9	xu	xu	PROPN
hassl-4116	164	10	(	(	PUNCT
hassl-4116	164	11	2011	2011	NUM
hassl-4116	164	12	)	)	PUNCT
hassl-4116	164	13	and	and	CCONJ
hassl-4116	164	14	wilson	wilson	PROPN
hassl-4116	164	15	(	(	PUNCT
hassl-4116	164	16	2019	2019	NUM
hassl-4116	164	17	)	)	PUNCT
hassl-4116	164	18	confirmed	confirm	VERB
hassl-4116	164	19	this	this	PRON
hassl-4116	164	20	further	far	ADV
hassl-4116	164	21	indicating	indicate	VERB
hassl-4116	164	22	a	a	DET
hassl-4116	164	23	positive	positive	ADJ
hassl-4116	164	24	significant	significant	ADJ
hassl-4116	164	25	effect	effect	NOUN
hassl-4116	164	26	of	of	ADP
hassl-4116	164	27	perceived	perceive	VERB
hassl-4116	164	28	usefulness	usefulness	NOUN
hassl-4116	164	29	on	on	ADP
hassl-4116	164	30	the	the	DET
hassl-4116	164	31	repurchase	repurchase	NOUN
hassl-4116	164	32	intention	intention	NOUN
hassl-4116	164	33	and	and	CCONJ
hassl-4116	164	34	the	the	DET
hassl-4116	164	35	continuity	continuity	NOUN
hassl-4116	164	36	of	of	ADP
hassl-4116	164	37	fintech	fintech	NOUN
hassl-4116	164	38	usage	usage	NOUN
hassl-4116	164	39	.	.	PUNCT
hassl-4116	165	1	thus	thus	ADV
hassl-4116	165	2	,	,	PUNCT
hassl-4116	165	3	we	we	PRON
hassl-4116	165	4	make	make	VERB
hassl-4116	165	5	another	another	DET
hassl-4116	165	6	hypothesis	hypothesis	NOUN
hassl-4116	165	7	.	.	PUNCT
hassl-4116	166	1	h8	h8	PROPN
hassl-4116	166	2	:	:	PUNCT
hassl-4116	166	3	perceived	perceive	VERB
hassl-4116	166	4	usefulness	usefulness	NOUN
hassl-4116	166	5	positively	positively	ADV
hassl-4116	166	6	and	and	CCONJ
hassl-4116	166	7	significantly	significantly	ADV
hassl-4116	166	8	influences	influence	VERB
hassl-4116	166	9	the	the	DET
hassl-4116	166	10	continuity	continuity	NOUN
hassl-4116	166	11	of	of	ADP
hassl-4116	166	12	fintech	fintech	NOUN
hassl-4116	166	13	usage	usage	NOUN
hassl-4116	166	14	.	.	PUNCT
hassl-4116	167	1	fintech	fintech	NOUN
hassl-4116	167	2	services	service	NOUN
hassl-4116	167	3	are	be	AUX
hassl-4116	167	4	adopted	adopt	VERB
hassl-4116	167	5	based	base	VERB
hassl-4116	167	6	on	on	ADP
hassl-4116	167	7	their	their	PRON
hassl-4116	167	8	ongoing	ongoing	ADJ
hassl-4116	167	9	usage	usage	NOUN
hassl-4116	167	10	.	.	PUNCT
hassl-4116	168	1	the	the	DET
hassl-4116	168	2	theory	theory	NOUN
hassl-4116	168	3	of	of	ADP
hassl-4116	168	4	reasoned	reason	VERB
hassl-4116	168	5	action	action	NOUN
hassl-4116	168	6	(	(	PUNCT
hassl-4116	168	7	tra	tra	NOUN
hassl-4116	168	8	)	)	PUNCT
hassl-4116	168	9	suggests	suggest	VERB
hassl-4116	168	10	that	that	SCONJ
hassl-4116	168	11	a	a	DET
hassl-4116	168	12	person	person	NOUN
hassl-4116	168	13	's	's	PART
hassl-4116	168	14	intention	intention	NOUN
hassl-4116	168	15	to	to	PART
hassl-4116	168	16	behave	behave	VERB
hassl-4116	168	17	is	be	AUX
hassl-4116	168	18	shaped	shape	VERB
hassl-4116	168	19	by	by	ADP
hassl-4116	168	20	their	their	PRON
hassl-4116	168	21	attitudes	attitude	NOUN
hassl-4116	168	22	and	and	CCONJ
hassl-4116	168	23	the	the	DET
hassl-4116	168	24	norms	norm	NOUN
hassl-4116	168	25	they	they	PRON
hassl-4116	168	26	perceive	perceive	VERB
hassl-4116	168	27	from	from	ADP
hassl-4116	168	28	others	other	NOUN
hassl-4116	168	29	.	.	PUNCT
hassl-4116	169	1	positive	positive	ADJ
hassl-4116	169	2	perceptions	perception	NOUN
hassl-4116	169	3	of	of	ADP
hassl-4116	169	4	the	the	DET
hassl-4116	169	5	simplicity	simplicity	NOUN
hassl-4116	169	6	and	and	CCONJ
hassl-4116	169	7	benefits	benefit	NOUN
hassl-4116	169	8	of	of	ADP
hassl-4116	169	9	fintech	fintech	NOUN
hassl-4116	169	10	services	service	NOUN
hassl-4116	169	11	with	with	ADP
hassl-4116	169	12	trust	trust	NOUN
hassl-4116	169	13	in	in	ADP
hassl-4116	169	14	social	social	ADJ
hassl-4116	169	15	network	network	NOUN
hassl-4116	169	16	support	support	NOUN
hassl-4116	169	17	and	and	CCONJ
hassl-4116	169	18	encourage	encourage	VERB
hassl-4116	169	19	their	their	PRON
hassl-4116	169	20	initial	initial	ADJ
hassl-4116	169	21	adoption	adoption	NOUN
hassl-4116	169	22	(	(	PUNCT
hassl-4116	169	23	ajzen	ajzen	NOUN
hassl-4116	169	24	&	&	CCONJ
hassl-4116	169	25	fishbein	fishbein	PROPN
hassl-4116	169	26	,	,	PUNCT
hassl-4116	169	27	1977	1977	NUM
hassl-4116	169	28	;	;	PUNCT
hassl-4116	169	29	mahyarni	mahyarni	NOUN
hassl-4116	169	30	,	,	PUNCT
hassl-4116	169	31	2013	2013	NUM
hassl-4116	169	32	;	;	PUNCT
hassl-4116	169	33	nurlaily	nurlaily	ADV
hassl-4116	169	34	et	et	PROPN
hassl-4116	169	35	al	al	PROPN
hassl-4116	169	36	.	.	PROPN
hassl-4116	169	37	,	,	PUNCT
hassl-4116	169	38	2021	2021	NUM
hassl-4116	169	39	;	;	PUNCT
hassl-4116	169	40	roh	roh	PROPN
hassl-4116	169	41	et	et	PROPN
hassl-4116	169	42	al	al	PROPN
hassl-4116	169	43	.	.	PROPN
hassl-4116	169	44	,	,	PUNCT
hassl-4116	169	45	2023	2023	NUM
hassl-4116	169	46	)	)	PUNCT
hassl-4116	169	47	.	.	PUNCT
hassl-4116	170	1	tra	tra	PROPN
hassl-4116	170	2	offers	offer	VERB
hassl-4116	170	3	insights	insight	NOUN
hassl-4116	170	4	into	into	ADP
hassl-4116	170	5	the	the	DET
hassl-4116	170	6	psychological	psychological	ADJ
hassl-4116	170	7	and	and	CCONJ
hassl-4116	170	8	social	social	ADJ
hassl-4116	170	9	determinants	determinant	NOUN
hassl-4116	170	10	giving	give	VERB
hassl-4116	170	11	influence	influence	NOUN
hassl-4116	170	12	on	on	ADP
hassl-4116	170	13	initial	initial	ADJ
hassl-4116	170	14	adoption	adoption	NOUN
hassl-4116	170	15	and	and	CCONJ
hassl-4116	170	16	continued	continued	ADJ
hassl-4116	170	17	utilization	utilization	NOUN
hassl-4116	170	18	of	of	ADP
hassl-4116	170	19	fintech	fintech	NOUN
hassl-4116	170	20	services	service	NOUN
hassl-4116	170	21	(	(	PUNCT
hassl-4116	170	22	ajzen	ajzen	NOUN
hassl-4116	170	23	,	,	PUNCT
hassl-4116	170	24	1985	1985	NUM
hassl-4116	170	25	;	;	PUNCT
hassl-4116	170	26	chen	chen	PROPN
hassl-4116	170	27	,	,	PUNCT
hassl-4116	170	28	chan	chan	PROPN
hassl-4116	170	29	,	,	PUNCT
hassl-4116	170	30	&	&	CCONJ
hassl-4116	170	31	hashim	hashim	PROPN
hassl-4116	170	32	,	,	PUNCT
hassl-4116	170	33	2023	2023	NUM
hassl-4116	170	34	;	;	PUNCT
hassl-4116	170	35	nurlaily	nurlaily	ADV
hassl-4116	170	36	et	et	PROPN
hassl-4116	170	37	al	al	PROPN
hassl-4116	170	38	.	.	PROPN
hassl-4116	170	39	,	,	PUNCT
hassl-4116	170	40	2021	2021	NUM
hassl-4116	170	41	;	;	PUNCT
hassl-4116	170	42	roh	roh	PROPN
hassl-4116	170	43	et	et	PROPN
hassl-4116	170	44	al	al	PROPN
hassl-4116	170	45	.	.	PROPN
hassl-4116	170	46	,	,	PUNCT
hassl-4116	170	47	2023	2023	NUM
hassl-4116	170	48	)	)	PUNCT
hassl-4116	170	49	.	.	PUNCT
hassl-4116	171	1	thus	thus	ADV
hassl-4116	171	2	,	,	PUNCT
hassl-4116	171	3	we	we	PRON
hassl-4116	171	4	infer	infer	VERB
hassl-4116	171	5	that	that	DET
hassl-4116	171	6	h9	h9	NOUN
hassl-4116	171	7	:	:	PUNCT
hassl-4116	171	8	fintech	fintech	NOUN
hassl-4116	171	9	usage	usage	NOUN
hassl-4116	171	10	adoption	adoption	NOUN
hassl-4116	171	11	positively	positively	ADV
hassl-4116	171	12	and	and	CCONJ
hassl-4116	171	13	significantly	significantly	ADV
hassl-4116	171	14	affects	affect	VERB
hassl-4116	171	15	fintech	fintech	NOUN
hassl-4116	171	16	usage	usage	NOUN
hassl-4116	171	17	continuity	continuity	NOUN
hassl-4116	171	18	.	.	PUNCT
hassl-4116	172	1	fintech	fintech	NOUN
hassl-4116	172	2	adoption	adoption	NOUN
hassl-4116	172	3	significantly	significantly	ADV
hassl-4116	172	4	impacts	impact	VERB
hassl-4116	172	5	the	the	DET
hassl-4116	172	6	link	link	NOUN
hassl-4116	172	7	between	between	ADP
hassl-4116	172	8	perceived	perceive	VERB
hassl-4116	172	9	benefits	benefit	NOUN
hassl-4116	172	10	and	and	CCONJ
hassl-4116	172	11	ongoing	ongoing	ADJ
hassl-4116	172	12	fintech	fintech	NOUN
hassl-4116	172	13	usage	usage	NOUN
hassl-4116	172	14	.	.	PUNCT
hassl-4116	173	1	the	the	DET
hassl-4116	173	2	theory	theory	NOUN
hassl-4116	173	3	of	of	ADP
hassl-4116	173	4	reasoned	reason	VERB
hassl-4116	173	5	action	action	NOUN
hassl-4116	173	6	(	(	PUNCT
hassl-4116	173	7	tra	tra	NOUN
hassl-4116	173	8	)	)	PUNCT
hassl-4116	173	9	suggests	suggest	VERB
hassl-4116	173	10	that	that	SCONJ
hassl-4116	173	11	the	the	DET
hassl-4116	173	12	intention	intention	NOUN
hassl-4116	173	13	to	to	PART
hassl-4116	173	14	use	use	VERB
hassl-4116	173	15	technology	technology	NOUN
hassl-4116	173	16	is	be	AUX
hassl-4116	173	17	shaped	shape	VERB
hassl-4116	173	18	by	by	ADP
hassl-4116	173	19	attitudes	attitude	NOUN
hassl-4116	173	20	,	,	PUNCT
hassl-4116	173	21	subjective	subjective	ADJ
hassl-4116	173	22	norms	norm	NOUN
hassl-4116	173	23	,	,	PUNCT
hassl-4116	173	24	and	and	CCONJ
hassl-4116	173	25	perceived	perceive	VERB
hassl-4116	173	26	control	control	NOUN
hassl-4116	173	27	over	over	ADP
hassl-4116	173	28	behavior	behavior	NOUN
hassl-4116	173	29	.	.	PUNCT
hassl-4116	174	1	positive	positive	ADJ
hassl-4116	174	2	views	view	NOUN
hassl-4116	174	3	on	on	ADP
hassl-4116	174	4	benefits	benefit	NOUN
hassl-4116	174	5	can	can	AUX
hassl-4116	174	6	increase	increase	VERB
hassl-4116	174	7	the	the	DET
hassl-4116	174	8	intention	intention	NOUN
hassl-4116	174	9	to	to	PART
hassl-4116	174	10	use	use	VERB
hassl-4116	174	11	fintech	fintech	NOUN
hassl-4116	174	12	services	service	NOUN
hassl-4116	174	13	,	,	PUNCT
hassl-4116	174	14	encouraging	encourage	VERB
hassl-4116	174	15	their	their	PRON
hassl-4116	174	16	continued	continue	VERB
hassl-4116	174	17	use	use	NOUN
hassl-4116	174	18	.	.	PUNCT
hassl-4116	175	1	research	research	NOUN
hassl-4116	175	2	shows	show	VERB
hassl-4116	175	3	that	that	SCONJ
hassl-4116	175	4	subjective	subjective	ADJ
hassl-4116	175	5	norms	norm	NOUN
hassl-4116	175	6	and	and	CCONJ
hassl-4116	175	7	perceived	perceive	VERB
hassl-4116	175	8	behavioral	behavioral	ADJ
hassl-4116	175	9	control	control	NOUN
hassl-4116	175	10	can	can	AUX
hassl-4116	175	11	predict	predict	VERB
hassl-4116	175	12	intentions	intention	NOUN
hassl-4116	175	13	and	and	CCONJ
hassl-4116	175	14	behaviors	behavior	NOUN
hassl-4116	175	15	regarding	regard	VERB
hassl-4116	175	16	fintech	fintech	NOUN
hassl-4116	175	17	usage	usage	NOUN
hassl-4116	175	18	.	.	PUNCT
hassl-4116	176	1	they	they	PRON
hassl-4116	176	2	assist	assist	VERB
hassl-4116	176	3	service	service	NOUN
hassl-4116	176	4	providers	provider	NOUN
hassl-4116	176	5	in	in	ADP
hassl-4116	176	6	creating	create	VERB
hassl-4116	176	7	strategies	strategy	NOUN
hassl-4116	176	8	to	to	PART
hassl-4116	176	9	enhance	enhance	VERB
hassl-4116	176	10	adoption	adoption	NOUN
hassl-4116	176	11	and	and	CCONJ
hassl-4116	176	12	continued	continued	ADJ
hassl-4116	176	13	use	use	NOUN
hassl-4116	176	14	(	(	PUNCT
hassl-4116	176	15	ajzen	ajzen	ADJ
hassl-4116	176	16	,	,	PUNCT
hassl-4116	176	17	1985	1985	NUM
hassl-4116	176	18	)	)	PUNCT
hassl-4116	176	19	.	.	PUNCT
hassl-4116	177	1	according	accord	VERB
hassl-4116	177	2	to	to	ADP
hassl-4116	177	3	this	this	PRON
hassl-4116	177	4	,	,	PUNCT
hassl-4116	177	5	the	the	DET
hassl-4116	177	6	next	next	ADJ
hassl-4116	177	7	hypothesis	hypothesis	NOUN
hassl-4116	177	8	is	be	AUX
hassl-4116	177	9	as	as	SCONJ
hassl-4116	177	10	follows	follow	VERB
hassl-4116	177	11	:	:	PUNCT
hassl-4116	177	12	h10	h10	NOUN
hassl-4116	177	13	:	:	PUNCT
hassl-4116	177	14	fintech	fintech	NOUN
hassl-4116	177	15	usage	usage	NOUN
hassl-4116	177	16	adoption	adoption	NOUN
hassl-4116	177	17	mediates	mediate	VERB
hassl-4116	177	18	the	the	DET
hassl-4116	177	19	effect	effect	NOUN
hassl-4116	177	20	of	of	ADP
hassl-4116	177	21	perceived	perceive	VERB
hassl-4116	177	22	benefit	benefit	NOUN
hassl-4116	177	23	on	on	ADP
hassl-4116	177	24	the	the	DET
hassl-4116	177	25	continuity	continuity	NOUN
hassl-4116	177	26	of	of	ADP
hassl-4116	177	27	fintech	fintech	NOUN
hassl-4116	177	28	usage	usage	NOUN
hassl-4116	177	29	.	.	PUNCT
hassl-4116	178	1	perceived	perceive	VERB
hassl-4116	178	2	ease	ease	NOUN
hassl-4116	178	3	of	of	ADP
hassl-4116	178	4	use	use	NOUN
hassl-4116	178	5	is	be	AUX
hassl-4116	178	6	the	the	DET
hassl-4116	178	7	comfort	comfort	NOUN
hassl-4116	178	8	and	and	CCONJ
hassl-4116	178	9	confidence	confidence	NOUN
hassl-4116	178	10	users	user	NOUN
hassl-4116	178	11	have	have	VERB
hassl-4116	178	12	when	when	SCONJ
hassl-4116	178	13	using	use	VERB
hassl-4116	178	14	fintech	fintech	NOUN
hassl-4116	178	15	services	service	NOUN
hassl-4116	178	16	.	.	PUNCT
hassl-4116	179	1	users	user	NOUN
hassl-4116	179	2	are	be	AUX
hassl-4116	179	3	more	more	ADV
hassl-4116	179	4	likely	likely	ADJ
hassl-4116	179	5	to	to	PART
hassl-4116	179	6	adopt	adopt	VERB
hassl-4116	179	7	fintech	fintech	NOUN
hassl-4116	179	8	technology	technology	NOUN
hassl-4116	179	9	if	if	SCONJ
hassl-4116	179	10	they	they	PRON
hassl-4116	179	11	trust	trust	VERB
hassl-4116	179	12	its	its	PRON
hassl-4116	179	13	use	use	NOUN
hassl-4116	179	14	.	.	PUNCT
hassl-4116	180	1	this	this	DET
hassl-4116	180	2	adoption	adoption	NOUN
hassl-4116	180	3	results	result	VERB
hassl-4116	180	4	in	in	ADP
hassl-4116	180	5	ongoing	ongoing	ADJ
hassl-4116	180	6	use	use	NOUN
hassl-4116	180	7	,	,	PUNCT
hassl-4116	180	8	as	as	SCONJ
hassl-4116	180	9	users	user	NOUN
hassl-4116	180	10	perceive	perceive	VERB
hassl-4116	180	11	the	the	DET
hassl-4116	180	12	technology	technology	NOUN
hassl-4116	180	13	as	as	ADP
hassl-4116	180	14	simple	simple	ADJ
hassl-4116	180	15	and	and	CCONJ
hassl-4116	180	16	advantageous	advantageous	ADJ
hassl-4116	180	17	over	over	ADP
hassl-4116	180	18	time	time	NOUN
hassl-4116	180	19	.	.	PUNCT
hassl-4116	181	1	studies	study	NOUN
hassl-4116	181	2	indicate	indicate	VERB
hassl-4116	181	3	that	that	SCONJ
hassl-4116	181	4	how	how	SCONJ
hassl-4116	181	5	easily	easily	ADV
hassl-4116	181	6	users	user	NOUN
hassl-4116	181	7	find	find	VERB
hassl-4116	181	8	fintech	fintech	NOUN
hassl-4116	181	9	services	service	NOUN
hassl-4116	181	10	affect	affect	VERB
hassl-4116	181	11	their	their	PRON
hassl-4116	181	12	intention	intention	NOUN
hassl-4116	181	13	to	to	PART
hassl-4116	181	14	keep	keep	VERB
hassl-4116	181	15	using	use	VERB
hassl-4116	181	16	them	they	PRON
hassl-4116	181	17	positively	positively	ADV
hassl-4116	181	18	.	.	PUNCT
hassl-4116	182	1	it	it	PRON
hassl-4116	182	2	promotes	promote	VERB
hassl-4116	182	3	adoption	adoption	NOUN
hassl-4116	182	4	and	and	CCONJ
hassl-4116	182	5	ongoing	ongoing	ADJ
hassl-4116	182	6	use	use	NOUN
hassl-4116	182	7	(	(	PUNCT
hassl-4116	182	8	irimia	irimia	NOUN
hassl-4116	182	9	-	-	PUNCT
hassl-4116	182	10	diéguez	diéguez	NOUN
hassl-4116	182	11	et	et	PROPN
hassl-4116	182	12	al	al	PROPN
hassl-4116	182	13	.	.	PROPN
hassl-4116	182	14	,	,	PUNCT
hassl-4116	182	15	2023	2023	NUM
hassl-4116	182	16	;	;	PUNCT
hassl-4116	182	17	nurhayani	nurhayani	X
hassl-4116	182	18	et	et	PROPN
hassl-4116	182	19	al	al	PROPN
hassl-4116	182	20	.	.	PROPN
hassl-4116	182	21	,	,	PUNCT
hassl-4116	182	22	2024	2024	NUM
hassl-4116	182	23	)	)	PUNCT
hassl-4116	182	24	.	.	PUNCT
hassl-4116	183	1	the	the	DET
hassl-4116	183	2	theory	theory	NOUN
hassl-4116	183	3	of	of	ADP
hassl-4116	183	4	reasoned	reason	VERB
hassl-4116	183	5	action	action	NOUN
hassl-4116	183	6	(	(	PUNCT
hassl-4116	183	7	tra	tra	NOUN
hassl-4116	183	8	)	)	PUNCT
hassl-4116	183	9	suggests	suggest	VERB
hassl-4116	183	10	that	that	SCONJ
hassl-4116	183	11	the	the	DET
hassl-4116	183	12	intention	intention	NOUN
hassl-4116	183	13	to	to	PART
hassl-4116	183	14	act	act	VERB
hassl-4116	183	15	is	be	AUX
hassl-4116	183	16	shaped	shape	VERB
hassl-4116	183	17	by	by	ADP
hassl-4116	183	18	attitudes	attitude	NOUN
hassl-4116	183	19	toward	toward	ADP
hassl-4116	183	20	the	the	DET
hassl-4116	183	21	action	action	NOUN
hassl-4116	183	22	and	and	CCONJ
hassl-4116	183	23	subjective	subjective	ADJ
hassl-4116	183	24	norms	norm	NOUN
hassl-4116	183	25	including	include	VERB
hassl-4116	183	26	the	the	DET
hassl-4116	183	27	inclination	inclination	NOUN
hassl-4116	183	28	to	to	PART
hassl-4116	183	29	use	use	VERB
hassl-4116	183	30	fintech	fintech	NOUN
hassl-4116	183	31	services	service	NOUN
hassl-4116	183	32	(	(	PUNCT
hassl-4116	183	33	ajzen	ajzen	NOUN
hassl-4116	183	34	,	,	PUNCT
hassl-4116	183	35	1985	1985	NUM
hassl-4116	183	36	;	;	PUNCT
hassl-4116	183	37	ajzen	ajzen	PROPN
hassl-4116	183	38	&	&	CCONJ
hassl-4116	183	39	fishbein	fishbein	PROPN
hassl-4116	183	40	,	,	PUNCT
hassl-4116	183	41	1977	1977	NUM
hassl-4116	183	42	)	)	PUNCT
hassl-4116	183	43	.	.	PUNCT
hassl-4116	184	1	based	base	VERB
hassl-4116	184	2	on	on	ADP
hassl-4116	184	3	this	this	PRON
hassl-4116	184	4	,	,	PUNCT
hassl-4116	184	5	the	the	DET
hassl-4116	184	6	following	follow	VERB
hassl-4116	184	7	hypothesis	hypothesis	NOUN
hassl-4116	184	8	needs	need	VERB
hassl-4116	184	9	to	to	PART
hassl-4116	184	10	be	be	AUX
hassl-4116	184	11	tested	test	VERB
hassl-4116	184	12	.	.	PUNCT
hassl-4116	185	1	h11	h11	NOUN
hassl-4116	185	2	:	:	PUNCT
hassl-4116	185	3	fintech	fintech	NOUN
hassl-4116	185	4	usage	usage	NOUN
hassl-4116	185	5	adoption	adoption	NOUN
hassl-4116	185	6	mediates	mediate	VERB
hassl-4116	185	7	the	the	DET
hassl-4116	185	8	perceived	perceive	VERB
hassl-4116	185	9	ease	ease	NOUN
hassl-4116	185	10	of	of	ADP
hassl-4116	185	11	use	use	NOUN
hassl-4116	185	12	influence	influence	NOUN
hassl-4116	185	13	on	on	ADP
hassl-4116	185	14	the	the	DET
hassl-4116	185	15	continuity	continuity	NOUN
hassl-4116	185	16	of	of	ADP
hassl-4116	185	17	fintech	fintech	NOUN
hassl-4116	185	18	usage	usage	NOUN
hassl-4116	185	19	.	.	PUNCT
hassl-4116	186	1	the	the	DET
hassl-4116	186	2	theory	theory	NOUN
hassl-4116	186	3	of	of	ADP
hassl-4116	186	4	reasoned	reason	VERB
hassl-4116	186	5	action	action	NOUN
hassl-4116	186	6	(	(	PUNCT
hassl-4116	186	7	tra	tra	NOUN
hassl-4116	186	8	)	)	PUNCT
hassl-4116	186	9	emphasizes	emphasize	VERB
hassl-4116	186	10	how	how	SCONJ
hassl-4116	186	11	subjective	subjective	ADJ
hassl-4116	186	12	norms	norm	NOUN
hassl-4116	186	13	and	and	CCONJ
hassl-4116	186	14	attitudes	attitude	NOUN
hassl-4116	186	15	influence	influence	VERB
hassl-4116	186	16	behavioral	behavioral	ADJ
hassl-4116	186	17	intentions	intention	NOUN
hassl-4116	186	18	.	.	PUNCT
hassl-4116	187	1	positive	positive	ADJ
hassl-4116	187	2	views	view	NOUN
hassl-4116	187	3	on	on	ADP
hassl-4116	187	4	fintech	fintech	NOUN
hassl-4116	187	5	benefits	benefit	NOUN
hassl-4116	187	6	and	and	CCONJ
hassl-4116	187	7	supportive	supportive	ADJ
hassl-4116	187	8	social	social	ADJ
hassl-4116	187	9	norms	norm	NOUN
hassl-4116	187	10	can	can	AUX
hassl-4116	187	11	reduce	reduce	VERB
hassl-4116	187	12	the	the	DET
hassl-4116	187	13	negative	negative	ADJ
hassl-4116	187	14	effects	effect	NOUN
hassl-4116	187	15	of	of	ADP
hassl-4116	187	16	perceived	perceive	VERB
hassl-4116	187	17	risk	risk	NOUN
hassl-4116	187	18	and	and	CCONJ
hassl-4116	187	19	encourage	encourage	VERB
hassl-4116	187	20	ongoing	ongoing	ADJ
hassl-4116	187	21	use	use	NOUN
hassl-4116	187	22	.	.	PUNCT
hassl-4116	188	1	perceived	perceive	VERB
hassl-4116	188	2	behavioral	behavioral	ADJ
hassl-4116	188	3	control	control	NOUN
hassl-4116	188	4	which	which	PRON
hassl-4116	188	5	includes	include	VERB
hassl-4116	188	6	the	the	DET
hassl-4116	188	7	ability	ability	NOUN
hassl-4116	188	8	to	to	PART
hassl-4116	188	9	manage	manage	VERB
hassl-4116	188	10	risks	risk	NOUN
hassl-4116	188	11	and	and	CCONJ
hassl-4116	188	12	confidence	confidence	NOUN
hassl-4116	188	13	in	in	ADP
hassl-4116	188	14	fintech	fintech	NOUN
hassl-4116	188	15	service	service	NOUN
hassl-4116	188	16	security	security	NOUN
hassl-4116	188	17	can	can	AUX
hassl-4116	188	18	enhance	enhance	VERB
hassl-4116	188	19	the	the	DET
hassl-4116	188	20	intention	intention	NOUN
hassl-4116	188	21	to	to	PART
hassl-4116	188	22	continue	continue	VERB
hassl-4116	188	23	using	use	VERB
hassl-4116	188	24	fintech	fintech	NOUN
hassl-4116	188	25	services	service	NOUN
hassl-4116	188	26	despite	despite	SCONJ
hassl-4116	188	27	perceived	perceive	VERB
hassl-4116	188	28	risks	risk	NOUN
hassl-4116	188	29	(	(	PUNCT
hassl-4116	188	30	ajzen	ajzen	ADJ
hassl-4116	188	31	,	,	PUNCT
hassl-4116	188	32	1985	1985	NUM
hassl-4116	188	33	;	;	PUNCT
hassl-4116	188	34	ajzen	ajzen	PROPN
hassl-4116	188	35	&	&	CCONJ
hassl-4116	188	36	fishbein	fishbein	PROPN
hassl-4116	188	37	,	,	PUNCT
hassl-4116	188	38	1977	1977	NUM
hassl-4116	188	39	;	;	PUNCT
hassl-4116	188	40	nurlaily	nurlaily	ADV
hassl-4116	188	41	et	et	PROPN
hassl-4116	188	42	al	al	PROPN
hassl-4116	188	43	.	.	PROPN
hassl-4116	188	44	,	,	PUNCT
hassl-4116	188	45	2021	2021	NUM
hassl-4116	188	46	)	)	PUNCT
hassl-4116	188	47	.	.	PUNCT
hassl-4116	189	1	then	then	ADV
hassl-4116	189	2	,	,	PUNCT
hassl-4116	189	3	the	the	DET
hassl-4116	189	4	next	next	ADJ
hassl-4116	189	5	hypothesis	hypothesis	NOUN
hassl-4116	189	6	is	be	AUX
hassl-4116	189	7	made	make	VERB
hassl-4116	189	8	as	as	SCONJ
hassl-4116	189	9	follows	follow	VERB
hassl-4116	189	10	:	:	PUNCT
hassl-4116	189	11	h12	h12	NOUN
hassl-4116	189	12	:	:	PUNCT
hassl-4116	189	13	fintech	fintech	NOUN
hassl-4116	189	14	usage	usage	NOUN
hassl-4116	189	15	adoption	adoption	NOUN
hassl-4116	189	16	mediates	mediate	VERB
hassl-4116	189	17	the	the	DET
hassl-4116	189	18	influence	influence	NOUN
hassl-4116	189	19	of	of	ADP
hassl-4116	189	20	perceived	perceive	VERB
hassl-4116	189	21	risk	risk	NOUN
hassl-4116	189	22	on	on	ADP
hassl-4116	189	23	the	the	DET
hassl-4116	189	24	continuity	continuity	NOUN
hassl-4116	189	25	of	of	ADP
hassl-4116	189	26	fintech	fintech	NOUN
hassl-4116	189	27	usage	usage	NOUN
hassl-4116	189	28	.	.	PUNCT
hassl-4116	190	1	according	accord	VERB
hassl-4116	190	2	to	to	ADP
hassl-4116	190	3	the	the	DET
hassl-4116	190	4	theory	theory	NOUN
hassl-4116	190	5	of	of	ADP
hassl-4116	190	6	reasoned	reason	VERB
hassl-4116	190	7	action	action	NOUN
hassl-4116	190	8	(	(	PUNCT
hassl-4116	190	9	tra	tra	NOUN
hassl-4116	190	10	)	)	PUNCT
hassl-4116	190	11	,	,	PUNCT
hassl-4116	190	12	the	the	DET
hassl-4116	190	13	fintech	fintech	NOUN
hassl-4116	190	14	services	service	NOUN
hassl-4116	190	15	’	'	PUNCT
hassl-4116	190	16	perceived	perceive	VERB
hassl-4116	190	17	usefulness	usefulness	NOUN
hassl-4116	190	18	or	or	CCONJ
hassl-4116	190	19	the	the	DET
hassl-4116	190	20	recognition	recognition	NOUN
hassl-4116	190	21	of	of	ADP
hassl-4116	190	22	their	their	PRON
hassl-4116	190	23	benefits	benefit	NOUN
hassl-4116	190	24	is	be	AUX
hassl-4116	190	25	pivotal	pivotal	ADJ
hassl-4116	190	26	.	.	PUNCT
hassl-4116	191	1	tra	tra	NOUN
hassl-4116	191	2	posits	posit	NOUN
hassl-4116	191	3	that	that	SCONJ
hassl-4116	191	4	behavioral	behavioral	ADJ
hassl-4116	191	5	intentions	intention	NOUN
hassl-4116	191	6	are	be	AUX
hassl-4116	191	7	shaped	shape	VERB
hassl-4116	191	8	by	by	ADP
hassl-4116	191	9	personal	personal	ADJ
hassl-4116	191	10	attitudes	attitude	NOUN
hassl-4116	191	11	towards	towards	ADP
hassl-4116	191	12	the	the	DET
hassl-4116	191	13	behavior	behavior	NOUN
hassl-4116	191	14	and	and	CCONJ
hassl-4116	191	15	prevailing	prevail	VERB
hassl-4116	191	16	subjective	subjective	ADJ
hassl-4116	191	17	norms	norm	NOUN
hassl-4116	191	18	involving	involve	VERB
hassl-4116	191	19	perceptions	perception	NOUN
hassl-4116	191	20	of	of	ADP
hassl-4116	191	21	the	the	DET
hassl-4116	191	22	usefulness	usefulness	NOUN
hassl-4116	191	23	of	of	ADP
hassl-4116	191	24	using	use	VERB
hassl-4116	191	25	fintech	fintech	NOUN
hassl-4116	191	26	services	service	NOUN
hassl-4116	191	27	.	.	PUNCT
hassl-4116	192	1	users	user	NOUN
hassl-4116	192	2	exhibiting	exhibit	VERB
hassl-4116	192	3	a	a	DET
hassl-4116	192	4	positive	positive	ADJ
hassl-4116	192	5	disposition	disposition	NOUN
hassl-4116	192	6	and	and	CCONJ
hassl-4116	192	7	robust	robust	ADJ
hassl-4116	192	8	intention	intention	NOUN
hassl-4116	192	9	to	to	PART
hassl-4116	192	10	adopt	adopt	VERB
hassl-4116	192	11	fintech	fintech	NOUN
hassl-4116	192	12	are	be	AUX
hassl-4116	192	13	inclined	incline	VERB
hassl-4116	192	14	to	to	PART
hassl-4116	192	15	sustain	sustain	VERB
hassl-4116	192	16	longhumanities	longhumanitie	NOUN
hassl-4116	192	17	and	and	CCONJ
hassl-4116	192	18	social	social	ADJ
hassl-4116	192	19	sciences	science	NOUN
hassl-4116	192	20	letters	letter	NOUN
hassl-4116	192	21	,	,	PUNCT
hassl-4116	192	22	2025	2025	NUM
hassl-4116	192	23	,	,	PUNCT
hassl-4116	192	24	13(2	13(2	NUM
hassl-4116	192	25	):	):	PUNCT
hassl-4116	192	26	409	409	NUM
hassl-4116	192	27	-	-	SYM
hassl-4116	192	28	427	427	NUM
hassl-4116	192	29	415	415	NUM
hassl-4116	192	30	©	©	ADP
hassl-4116	192	31	2025	2025	NUM
hassl-4116	192	32	conscientia	conscientia	PROPN
hassl-4116	192	33	beam	beam	PROPN
hassl-4116	192	34	.	.	PUNCT
hassl-4116	193	1	all	all	DET
hassl-4116	193	2	rights	right	NOUN
hassl-4116	193	3	reserved	reserve	VERB
hassl-4116	193	4	.	.	PUNCT
hassl-4116	194	1	term	term	NOUN
hassl-4116	194	2	utilization	utilization	NOUN
hassl-4116	194	3	of	of	ADP
hassl-4116	194	4	the	the	DET
hassl-4116	194	5	service	service	NOUN
hassl-4116	194	6	usage	usage	NOUN
hassl-4116	194	7	.	.	PUNCT
hassl-4116	195	1	this	this	DET
hassl-4116	195	2	intention	intention	NOUN
hassl-4116	195	3	mediates	mediate	VERB
hassl-4116	195	4	the	the	DET
hassl-4116	195	5	correlation	correlation	NOUN
hassl-4116	195	6	between	between	ADP
hassl-4116	195	7	perceived	perceive	VERB
hassl-4116	195	8	usefulness	usefulness	NOUN
hassl-4116	195	9	and	and	CCONJ
hassl-4116	195	10	the	the	DET
hassl-4116	195	11	continuity	continuity	NOUN
hassl-4116	195	12	of	of	ADP
hassl-4116	195	13	fintech	fintech	NOUN
hassl-4116	195	14	usage	usage	NOUN
hassl-4116	195	15	(	(	PUNCT
hassl-4116	195	16	ajzen	ajzen	NOUN
hassl-4116	195	17	,	,	PUNCT
hassl-4116	195	18	1985	1985	NUM
hassl-4116	195	19	;	;	PUNCT
hassl-4116	195	20	ajzen	ajzen	PROPN
hassl-4116	195	21	&	&	CCONJ
hassl-4116	195	22	fishbein	fishbein	PROPN
hassl-4116	195	23	,	,	PUNCT
hassl-4116	195	24	1977	1977	NUM
hassl-4116	195	25	)	)	PUNCT
hassl-4116	195	26	.	.	PUNCT
hassl-4116	196	1	based	base	VERB
hassl-4116	196	2	on	on	ADP
hassl-4116	196	3	this	this	PRON
hassl-4116	196	4	,	,	PUNCT
hassl-4116	196	5	another	another	DET
hassl-4116	196	6	hypothesis	hypothesis	NOUN
hassl-4116	196	7	needs	need	VERB
hassl-4116	196	8	to	to	PART
hassl-4116	196	9	be	be	AUX
hassl-4116	196	10	tested	test	VERB
hassl-4116	196	11	as	as	SCONJ
hassl-4116	196	12	follows	follow	VERB
hassl-4116	196	13	:	:	PUNCT
hassl-4116	196	14	h13	h13	NOUN
hassl-4116	196	15	:	:	PUNCT
hassl-4116	196	16	fintech	fintech	NOUN
hassl-4116	196	17	usage	usage	NOUN
hassl-4116	196	18	adoption	adoption	NOUN
hassl-4116	196	19	mediates	mediate	VERB
hassl-4116	196	20	the	the	DET
hassl-4116	196	21	effect	effect	NOUN
hassl-4116	196	22	of	of	ADP
hassl-4116	196	23	perceived	perceive	VERB
hassl-4116	196	24	usefulness	usefulness	NOUN
hassl-4116	196	25	on	on	ADP
hassl-4116	196	26	the	the	DET
hassl-4116	196	27	continuity	continuity	NOUN
hassl-4116	196	28	of	of	ADP
hassl-4116	196	29	fintech	fintech	NOUN
hassl-4116	196	30	usage	usage	NOUN
hassl-4116	196	31	.	.	PUNCT
hassl-4116	197	1	2.3	2.3	NUM
hassl-4116	197	2	.	.	PUNCT
hassl-4116	197	3	proposed	propose	VERB
hassl-4116	197	4	research	research	NOUN
hassl-4116	197	5	model	model	NOUN
hassl-4116	197	6	considering	consider	VERB
hassl-4116	197	7	the	the	DET
hassl-4116	197	8	above	above	ADJ
hassl-4116	197	9	theoretical	theoretical	ADJ
hassl-4116	197	10	framework	framework	NOUN
hassl-4116	197	11	and	and	CCONJ
hassl-4116	197	12	variable	variable	ADJ
hassl-4116	197	13	relationships	relationship	NOUN
hassl-4116	197	14	,	,	PUNCT
hassl-4116	197	15	the	the	DET
hassl-4116	197	16	proposed	propose	VERB
hassl-4116	197	17	conceptual	conceptual	ADJ
hassl-4116	197	18	model	model	NOUN
hassl-4116	197	19	in	in	ADP
hassl-4116	197	20	this	this	DET
hassl-4116	197	21	study	study	NOUN
hassl-4116	197	22	is	be	AUX
hassl-4116	197	23	illustrated	illustrate	VERB
hassl-4116	197	24	in	in	ADP
hassl-4116	197	25	figure	figure	NOUN
hassl-4116	197	26	1	1	NUM
hassl-4116	197	27	.	.	PUNCT
hassl-4116	197	28	figure	figure	NOUN
hassl-4116	197	29	1	1	NUM
hassl-4116	197	30	.	.	PUNCT
hassl-4116	198	1	the	the	DET
hassl-4116	198	2	research	research	NOUN
hassl-4116	198	3	(	(	PUNCT
hassl-4116	198	4	conceptual	conceptual	ADJ
hassl-4116	198	5	)	)	PUNCT
hassl-4116	198	6	model	model	NOUN
hassl-4116	198	7	.	.	PUNCT
hassl-4116	199	1	3	3	X
hassl-4116	199	2	.	.	X
hassl-4116	199	3	methods	method	NOUN
hassl-4116	199	4	3.1	3.1	NUM
hassl-4116	199	5	.	.	PUNCT
hassl-4116	200	1	the	the	DET
hassl-4116	200	2	research	research	NOUN
hassl-4116	200	3	design	design	VERB
hassl-4116	200	4	the	the	DET
hassl-4116	200	5	research	research	NOUN
hassl-4116	200	6	design	design	NOUN
hassl-4116	200	7	of	of	ADP
hassl-4116	200	8	this	this	DET
hassl-4116	200	9	study	study	NOUN
hassl-4116	200	10	briefly	briefly	ADV
hassl-4116	200	11	began	begin	VERB
hassl-4116	200	12	by	by	ADP
hassl-4116	200	13	identifying	identify	VERB
hassl-4116	200	14	the	the	DET
hassl-4116	200	15	problem	problem	NOUN
hassl-4116	200	16	of	of	ADP
hassl-4116	200	17	fintech	fintech	NOUN
hassl-4116	200	18	usage	usage	NOUN
hassl-4116	200	19	continuity	continuity	NOUN
hassl-4116	200	20	and	and	CCONJ
hassl-4116	200	21	its	its	PRON
hassl-4116	200	22	urgency	urgency	NOUN
hassl-4116	200	23	to	to	PART
hassl-4116	200	24	conduct	conduct	VERB
hassl-4116	200	25	this	this	DET
hassl-4116	200	26	study	study	NOUN
hassl-4116	200	27	.	.	PUNCT
hassl-4116	201	1	after	after	ADP
hassl-4116	201	2	completing	complete	VERB
hassl-4116	201	3	these	these	DET
hassl-4116	201	4	parts	part	NOUN
hassl-4116	201	5	,	,	PUNCT
hassl-4116	201	6	we	we	PRON
hassl-4116	201	7	then	then	ADV
hassl-4116	201	8	reviewed	review	VERB
hassl-4116	201	9	the	the	DET
hassl-4116	201	10	previous	previous	ADJ
hassl-4116	201	11	empirical	empirical	ADJ
hassl-4116	201	12	research	research	NOUN
hassl-4116	201	13	to	to	PART
hassl-4116	201	14	justify	justify	VERB
hassl-4116	201	15	the	the	DET
hassl-4116	201	16	variables	variable	NOUN
hassl-4116	201	17	and	and	CCONJ
hassl-4116	201	18	the	the	DET
hassl-4116	201	19	model	model	NOUN
hassl-4116	201	20	that	that	PRON
hassl-4116	201	21	were	be	AUX
hassl-4116	201	22	examined	examine	VERB
hassl-4116	201	23	in	in	ADP
hassl-4116	201	24	the	the	DET
hassl-4116	201	25	study	study	NOUN
hassl-4116	201	26	.	.	PUNCT
hassl-4116	202	1	then	then	ADV
hassl-4116	202	2	,	,	PUNCT
hassl-4116	202	3	we	we	PRON
hassl-4116	202	4	highlighted	highlight	VERB
hassl-4116	202	5	the	the	DET
hassl-4116	202	6	research	research	NOUN
hassl-4116	202	7	gap	gap	NOUN
hassl-4116	202	8	and	and	CCONJ
hassl-4116	202	9	the	the	DET
hassl-4116	202	10	novelty	novelty	NOUN
hassl-4116	202	11	of	of	ADP
hassl-4116	202	12	this	this	DET
hassl-4116	202	13	study	study	NOUN
hassl-4116	202	14	by	by	ADP
hassl-4116	202	15	comparing	compare	VERB
hassl-4116	202	16	the	the	DET
hassl-4116	202	17	variables	variable	NOUN
hassl-4116	202	18	used	use	VERB
hassl-4116	202	19	in	in	ADP
hassl-4116	202	20	this	this	DET
hassl-4116	202	21	study	study	NOUN
hassl-4116	202	22	with	with	ADP
hassl-4116	202	23	the	the	DET
hassl-4116	202	24	variables	variable	NOUN
hassl-4116	202	25	used	use	VERB
hassl-4116	202	26	in	in	ADP
hassl-4116	202	27	the	the	DET
hassl-4116	202	28	previous	previous	ADJ
hassl-4116	202	29	studies	study	NOUN
hassl-4116	202	30	.	.	PUNCT
hassl-4116	203	1	these	these	DET
hassl-4116	203	2	first	first	ADJ
hassl-4116	203	3	steps	step	NOUN
hassl-4116	203	4	aimed	aim	VERB
hassl-4116	203	5	to	to	PART
hassl-4116	203	6	justify	justify	VERB
hassl-4116	203	7	the	the	DET
hassl-4116	203	8	rationale	rationale	NOUN
hassl-4116	203	9	of	of	ADP
hassl-4116	203	10	variables	variable	NOUN
hassl-4116	203	11	in	in	ADP
hassl-4116	203	12	the	the	DET
hassl-4116	203	13	model	model	NOUN
hassl-4116	203	14	examined	examine	VERB
hassl-4116	203	15	in	in	ADP
hassl-4116	203	16	this	this	DET
hassl-4116	203	17	study	study	NOUN
hassl-4116	203	18	.	.	PUNCT
hassl-4116	204	1	the	the	DET
hassl-4116	204	2	next	next	ADJ
hassl-4116	204	3	step	step	NOUN
hassl-4116	204	4	was	be	AUX
hassl-4116	204	5	data	datum	NOUN
hassl-4116	204	6	collection	collection	NOUN
hassl-4116	204	7	.	.	PUNCT
hassl-4116	205	1	however	however	ADV
hassl-4116	205	2	,	,	PUNCT
hassl-4116	205	3	before	before	SCONJ
hassl-4116	205	4	data	datum	NOUN
hassl-4116	205	5	were	be	AUX
hassl-4116	205	6	collected	collect	VERB
hassl-4116	205	7	,	,	PUNCT
hassl-4116	205	8	we	we	PRON
hassl-4116	205	9	determined	determine	VERB
hassl-4116	205	10	the	the	DET
hassl-4116	205	11	unit	unit	NOUN
hassl-4116	205	12	analysis	analysis	NOUN
hassl-4116	205	13	,	,	PUNCT
hassl-4116	205	14	the	the	DET
hassl-4116	205	15	research	research	NOUN
hassl-4116	205	16	location	location	NOUN
hassl-4116	205	17	,	,	PUNCT
hassl-4116	205	18	the	the	DET
hassl-4116	205	19	source	source	NOUN
hassl-4116	205	20	of	of	ADP
hassl-4116	205	21	data	datum	NOUN
hassl-4116	205	22	,	,	PUNCT
hassl-4116	205	23	the	the	DET
hassl-4116	205	24	sampling	sampling	NOUN
hassl-4116	205	25	method	method	NOUN
hassl-4116	205	26	,	,	PUNCT
hassl-4116	205	27	and	and	CCONJ
hassl-4116	205	28	the	the	DET
hassl-4116	205	29	instrument	instrument	NOUN
hassl-4116	205	30	to	to	PART
hassl-4116	205	31	collect	collect	VERB
hassl-4116	205	32	the	the	DET
hassl-4116	205	33	data	datum	NOUN
hassl-4116	205	34	.	.	PUNCT
hassl-4116	206	1	finally	finally	ADV
hassl-4116	206	2	,	,	PUNCT
hassl-4116	206	3	we	we	PRON
hassl-4116	206	4	analyzed	analyze	VERB
hassl-4116	206	5	the	the	DET
hassl-4116	206	6	data	datum	NOUN
hassl-4116	206	7	.	.	PUNCT
hassl-4116	207	1	in	in	ADP
hassl-4116	207	2	the	the	DET
hassl-4116	207	3	data	datum	NOUN
hassl-4116	207	4	analysis	analysis	NOUN
hassl-4116	207	5	,	,	PUNCT
hassl-4116	207	6	we	we	PRON
hassl-4116	207	7	employed	employ	VERB
hassl-4116	207	8	two	two	NUM
hassl-4116	207	9	types	type	NOUN
hassl-4116	207	10	of	of	ADP
hassl-4116	207	11	data	datum	NOUN
hassl-4116	207	12	analysis	analysis	NOUN
hassl-4116	207	13	methods	method	NOUN
hassl-4116	207	14	.	.	PUNCT
hassl-4116	208	1	first	first	ADV
hassl-4116	208	2	,	,	PUNCT
hassl-4116	208	3	by	by	ADP
hassl-4116	208	4	applying	apply	VERB
hassl-4116	208	5	the	the	DET
hassl-4116	208	6	descriptive	descriptive	ADJ
hassl-4116	208	7	analysis	analysis	NOUN
hassl-4116	208	8	method	method	NOUN
hassl-4116	208	9	to	to	PART
hassl-4116	208	10	address	address	VERB
hassl-4116	208	11	the	the	DET
hassl-4116	208	12	characteristics	characteristic	NOUN
hassl-4116	208	13	of	of	ADP
hassl-4116	208	14	the	the	DET
hassl-4116	208	15	respondents	respondent	NOUN
hassl-4116	208	16	sampled	sample	VERB
hassl-4116	208	17	under	under	ADP
hassl-4116	208	18	the	the	DET
hassl-4116	208	19	study	study	NOUN
hassl-4116	208	20	.	.	PUNCT
hassl-4116	209	1	second	second	ADJ
hassl-4116	209	2	,	,	PUNCT
hassl-4116	209	3	by	by	ADP
hassl-4116	209	4	employing	employ	VERB
hassl-4116	209	5	the	the	DET
hassl-4116	209	6	structural	structural	ADJ
hassl-4116	209	7	equation	equation	NOUN
hassl-4116	209	8	model	model	NOUN
hassl-4116	209	9	(	(	PUNCT
hassl-4116	209	10	sem	sem	NOUN
hassl-4116	209	11	)	)	PUNCT
hassl-4116	209	12	.	.	PUNCT
hassl-4116	210	1	the	the	DET
hassl-4116	210	2	rationale	rationale	NOUN
hassl-4116	210	3	for	for	ADP
hassl-4116	210	4	applying	apply	VERB
hassl-4116	210	5	sem	sem	NOUN
hassl-4116	210	6	was	be	AUX
hassl-4116	210	7	that	that	SCONJ
hassl-4116	210	8	this	this	DET
hassl-4116	210	9	method	method	NOUN
hassl-4116	210	10	was	be	AUX
hassl-4116	210	11	able	able	ADJ
hassl-4116	210	12	to	to	PART
hassl-4116	210	13	estimate	estimate	VERB
hassl-4116	210	14	variables	variable	NOUN
hassl-4116	210	15	that	that	PRON
hassl-4116	210	16	have	have	VERB
hassl-4116	210	17	multiple	multiple	ADJ
hassl-4116	210	18	relationships	relationship	NOUN
hassl-4116	210	19	.	.	PUNCT
hassl-4116	211	1	similarly	similarly	ADV
hassl-4116	211	2	,	,	PUNCT
hassl-4116	211	3	sem	sem	PROPN
hassl-4116	211	4	can	can	AUX
hassl-4116	211	5	estimate	estimate	VERB
hassl-4116	211	6	the	the	DET
hassl-4116	211	7	relationship	relationship	NOUN
hassl-4116	211	8	between	between	ADP
hassl-4116	211	9	unobserved	unobserved	ADJ
hassl-4116	211	10	variables	variable	NOUN
hassl-4116	211	11	and	and	CCONJ
hassl-4116	211	12	manifest	manifest	VERB
hassl-4116	211	13	variables	variable	NOUN
hassl-4116	211	14	or	or	CCONJ
hassl-4116	211	15	indicator	indicator	NOUN
hassl-4116	211	16	variables	variable	NOUN
hassl-4116	211	17	(	(	PUNCT
hassl-4116	211	18	hair	hair	NOUN
hassl-4116	211	19	,	,	PUNCT
hassl-4116	211	20	hult	hult	PROPN
hassl-4116	211	21	,	,	PUNCT
hassl-4116	211	22	ringle	ringle	PROPN
hassl-4116	211	23	,	,	PUNCT
hassl-4116	211	24	&	&	CCONJ
hassl-4116	211	25	sarstedt	sarstedt	NOUN
hassl-4116	211	26	,	,	PUNCT
hassl-4116	211	27	2022	2022	NUM
hassl-4116	211	28	)	)	PUNCT
hassl-4116	211	29	.	.	PUNCT
hassl-4116	212	1	for	for	ADP
hassl-4116	212	2	more	more	ADJ
hassl-4116	212	3	details	detail	NOUN
hassl-4116	212	4	,	,	PUNCT
hassl-4116	212	5	the	the	DET
hassl-4116	212	6	steps	step	NOUN
hassl-4116	212	7	were	be	AUX
hassl-4116	212	8	as	as	SCONJ
hassl-4116	212	9	follows	follow	VERB
hassl-4116	212	10	:	:	PUNCT
hassl-4116	212	11	3.2	3.2	NUM
hassl-4116	212	12	.	.	PUNCT
hassl-4116	213	1	data	datum	NOUN
hassl-4116	213	2	collection	collection	NOUN
hassl-4116	213	3	and	and	CCONJ
hassl-4116	213	4	sampling	sample	VERB
hassl-4116	213	5	data	datum	NOUN
hassl-4116	213	6	was	be	AUX
hassl-4116	213	7	collected	collect	VERB
hassl-4116	213	8	in	in	ADP
hassl-4116	213	9	the	the	DET
hassl-4116	213	10	province	province	NOUN
hassl-4116	213	11	of	of	ADP
hassl-4116	213	12	jakarta	jakarta	PROPN
hassl-4116	213	13	.	.	PUNCT
hassl-4116	214	1	the	the	DET
hassl-4116	214	2	reason	reason	NOUN
hassl-4116	214	3	to	to	PART
hassl-4116	214	4	select	select	VERB
hassl-4116	214	5	this	this	DET
hassl-4116	214	6	province	province	NOUN
hassl-4116	214	7	was	be	AUX
hassl-4116	214	8	because	because	SCONJ
hassl-4116	214	9	jakarta	jakarta	PROPN
hassl-4116	214	10	is	be	AUX
hassl-4116	214	11	the	the	DET
hassl-4116	214	12	capital	capital	NOUN
hassl-4116	214	13	city	city	NOUN
hassl-4116	214	14	of	of	ADP
hassl-4116	214	15	indonesia	indonesia	PROPN
hassl-4116	214	16	and	and	CCONJ
hassl-4116	214	17	in	in	ADP
hassl-4116	214	18	this	this	DET
hassl-4116	214	19	location	location	NOUN
hassl-4116	214	20	fintech	fintech	NOUN
hassl-4116	214	21	users	user	NOUN
hassl-4116	214	22	and	and	CCONJ
hassl-4116	214	23	fintech	fintech	NOUN
hassl-4116	214	24	services	service	NOUN
hassl-4116	214	25	were	be	AUX
hassl-4116	214	26	dominant	dominant	ADJ
hassl-4116	214	27	.	.	PUNCT
hassl-4116	215	1	we	we	PRON
hassl-4116	215	2	collected	collect	VERB
hassl-4116	215	3	data	datum	NOUN
hassl-4116	215	4	humanities	humanity	NOUN
hassl-4116	215	5	and	and	CCONJ
hassl-4116	215	6	social	social	ADJ
hassl-4116	215	7	sciences	science	NOUN
hassl-4116	215	8	letters	letter	NOUN
hassl-4116	215	9	,	,	PUNCT
hassl-4116	215	10	2025	2025	NUM
hassl-4116	215	11	,	,	PUNCT
hassl-4116	215	12	13(2	13(2	NUM
hassl-4116	215	13	):	):	PUNCT
hassl-4116	215	14	409	409	NUM
hassl-4116	215	15	-	-	SYM
hassl-4116	215	16	427	427	NUM
hassl-4116	215	17	416	416	NUM
hassl-4116	215	18	©	©	ADP
hassl-4116	215	19	2025	2025	NUM
hassl-4116	215	20	conscientia	conscientia	PROPN
hassl-4116	215	21	beam	beam	PROPN
hassl-4116	215	22	.	.	PUNCT
hassl-4116	216	1	all	all	DET
hassl-4116	216	2	rights	right	NOUN
hassl-4116	216	3	reserved	reserve	VERB
hassl-4116	216	4	.	.	PUNCT
hassl-4116	217	1	from	from	ADP
hassl-4116	217	2	march	march	PROPN
hassl-4116	217	3	2024	2024	NUM
hassl-4116	217	4	to	to	ADP
hassl-4116	217	5	june	june	PROPN
hassl-4116	217	6	2024	2024	NUM
hassl-4116	217	7	.	.	PUNCT
hassl-4116	218	1	the	the	DET
hassl-4116	218	2	rationale	rationale	NOUN
hassl-4116	218	3	for	for	ADP
hassl-4116	218	4	this	this	DET
hassl-4116	218	5	duration	duration	NOUN
hassl-4116	218	6	was	be	AUX
hassl-4116	218	7	partly	partly	ADV
hassl-4116	218	8	because	because	SCONJ
hassl-4116	218	9	we	we	PRON
hassl-4116	218	10	assumed	assume	VERB
hassl-4116	218	11	that	that	SCONJ
hassl-4116	218	12	we	we	PRON
hassl-4116	218	13	would	would	AUX
hassl-4116	218	14	be	be	AUX
hassl-4116	218	15	able	able	ADJ
hassl-4116	218	16	to	to	PART
hassl-4116	218	17	collect	collect	VERB
hassl-4116	218	18	respondents	respondent	NOUN
hassl-4116	218	19	by	by	ADP
hassl-4116	218	20	online	online	ADJ
hassl-4116	218	21	questionnaire	questionnaire	NOUN
hassl-4116	218	22	during	during	ADP
hassl-4116	218	23	these	these	DET
hassl-4116	218	24	four	four	NUM
hassl-4116	218	25	months	month	NOUN
hassl-4116	218	26	.	.	PUNCT
hassl-4116	219	1	the	the	DET
hassl-4116	219	2	unit	unit	NOUN
hassl-4116	219	3	of	of	ADP
hassl-4116	219	4	analysis	analysis	NOUN
hassl-4116	219	5	of	of	ADP
hassl-4116	219	6	this	this	DET
hassl-4116	219	7	study	study	NOUN
hassl-4116	219	8	focused	focus	VERB
hassl-4116	219	9	on	on	ADP
hassl-4116	219	10	users	user	NOUN
hassl-4116	219	11	of	of	ADP
hassl-4116	219	12	fintech	fintech	NOUN
hassl-4116	219	13	services	service	NOUN
hassl-4116	219	14	,	,	PUNCT
hassl-4116	219	15	particularly	particularly	ADV
hassl-4116	219	16	ovo	ovo	PROPN
hassl-4116	219	17	,	,	PUNCT
hassl-4116	219	18	gopay	gopay	PROPN
hassl-4116	219	19	,	,	PUNCT
hassl-4116	219	20	dana	dana	PROPN
hassl-4116	219	21	,	,	PUNCT
hassl-4116	219	22	shopeepay	shopeepay	PROPN
hassl-4116	219	23	,	,	PUNCT
hassl-4116	219	24	linkaja	linkaja	NOUN
hassl-4116	219	25	,	,	PUNCT
hassl-4116	219	26	and	and	CCONJ
hassl-4116	219	27	paylater	paylater	NOUN
hassl-4116	219	28	.	.	PUNCT
hassl-4116	220	1	these	these	DET
hassl-4116	220	2	six	six	NUM
hassl-4116	220	3	fintech	fintech	NOUN
hassl-4116	220	4	services	service	NOUN
hassl-4116	220	5	were	be	AUX
hassl-4116	220	6	dominant	dominant	ADJ
hassl-4116	220	7	in	in	ADP
hassl-4116	220	8	jakarta	jakarta	PROPN
hassl-4116	220	9	.	.	PUNCT
hassl-4116	221	1	however	however	ADV
hassl-4116	221	2	,	,	PUNCT
hassl-4116	221	3	the	the	DET
hassl-4116	221	4	number	number	NOUN
hassl-4116	221	5	of	of	ADP
hassl-4116	221	6	the	the	DET
hassl-4116	221	7	population	population	NOUN
hassl-4116	221	8	of	of	ADP
hassl-4116	221	9	these	these	DET
hassl-4116	221	10	six	six	NUM
hassl-4116	221	11	fintech	fintech	NOUN
hassl-4116	221	12	users	user	NOUN
hassl-4116	221	13	in	in	ADP
hassl-4116	221	14	jakarta	jakarta	PROPN
hassl-4116	221	15	was	be	AUX
hassl-4116	221	16	unknown	unknown	ADJ
hassl-4116	221	17	.	.	PUNCT
hassl-4116	222	1	as	as	ADP
hassl-4116	222	2	a	a	DET
hassl-4116	222	3	result	result	NOUN
hassl-4116	222	4	,	,	PUNCT
hassl-4116	222	5	we	we	PRON
hassl-4116	222	6	applied	apply	VERB
hassl-4116	222	7	a	a	DET
hassl-4116	222	8	non	non	ADJ
hassl-4116	222	9	-	-	ADJ
hassl-4116	222	10	probability	probability	ADJ
hassl-4116	222	11	sampling	sampling	NOUN
hassl-4116	222	12	method	method	NOUN
hassl-4116	222	13	to	to	PART
hassl-4116	222	14	sample	sample	VERB
hassl-4116	222	15	the	the	DET
hassl-4116	222	16	fintech	fintech	NOUN
hassl-4116	222	17	users	user	NOUN
hassl-4116	222	18	of	of	ADP
hassl-4116	222	19	the	the	DET
hassl-4116	222	20	six	six	NUM
hassl-4116	222	21	fintech	fintech	NOUN
hassl-4116	222	22	services	service	NOUN
hassl-4116	222	23	as	as	ADP
hassl-4116	222	24	respondents	respondent	NOUN
hassl-4116	222	25	of	of	ADP
hassl-4116	222	26	this	this	DET
hassl-4116	222	27	study	study	NOUN
hassl-4116	222	28	.	.	PUNCT
hassl-4116	223	1	to	to	PART
hassl-4116	223	2	determine	determine	VERB
hassl-4116	223	3	the	the	DET
hassl-4116	223	4	number	number	NOUN
hassl-4116	223	5	of	of	ADP
hassl-4116	223	6	respondents	respondent	NOUN
hassl-4116	223	7	sampled	sample	VERB
hassl-4116	223	8	,	,	PUNCT
hassl-4116	223	9	we	we	PRON
hassl-4116	223	10	followed	follow	VERB
hassl-4116	223	11	hair	hair	NOUN
hassl-4116	223	12	,	,	PUNCT
hassl-4116	223	13	black	black	ADJ
hassl-4116	223	14	,	,	PUNCT
hassl-4116	223	15	anderson	anderson	PROPN
hassl-4116	223	16	,	,	PUNCT
hassl-4116	223	17	and	and	CCONJ
hassl-4116	223	18	babin	babin	PROPN
hassl-4116	223	19	(	(	PUNCT
hassl-4116	223	20	2010	2010	NUM
hassl-4116	223	21	)	)	PUNCT
hassl-4116	223	22	as	as	SCONJ
hassl-4116	223	23	they	they	PRON
hassl-4116	223	24	suggested	suggest	VERB
hassl-4116	223	25	that	that	SCONJ
hassl-4116	223	26	the	the	DET
hassl-4116	223	27	number	number	NOUN
hassl-4116	223	28	of	of	ADP
hassl-4116	223	29	samples	sample	NOUN
hassl-4116	223	30	ideally	ideally	ADV
hassl-4116	223	31	in	in	ADP
hassl-4116	223	32	sem	sem	PROPN
hassl-4116	223	33	needs	need	VERB
hassl-4116	223	34	to	to	PART
hassl-4116	223	35	be	be	AUX
hassl-4116	223	36	from	from	ADP
hassl-4116	223	37	15	15	NUM
hassl-4116	223	38	to	to	PART
hassl-4116	223	39	20	20	NUM
hassl-4116	223	40	observations	observation	NOUN
hassl-4116	223	41	for	for	ADP
hassl-4116	223	42	each	each	DET
hassl-4116	223	43	exogenous	exogenous	ADJ
hassl-4116	223	44	variable	variable	NOUN
hassl-4116	223	45	.	.	PUNCT
hassl-4116	224	1	as	as	SCONJ
hassl-4116	224	2	there	there	PRON
hassl-4116	224	3	were	be	VERB
hassl-4116	224	4	4	4	NUM
hassl-4116	224	5	exogenous	exogenous	ADJ
hassl-4116	224	6	variables	variable	NOUN
hassl-4116	224	7	,	,	PUNCT
hassl-4116	224	8	there	there	PRON
hassl-4116	224	9	should	should	AUX
hassl-4116	224	10	be	be	AUX
hassl-4116	224	11	at	at	ADV
hassl-4116	224	12	least	least	ADV
hassl-4116	224	13	60	60	NUM
hassl-4116	224	14	respondents	respondent	NOUN
hassl-4116	224	15	.	.	PUNCT
hassl-4116	225	1	by	by	ADP
hassl-4116	225	2	noting	note	VERB
hassl-4116	225	3	that	that	DET
hassl-4116	225	4	suggestion	suggestion	NOUN
hassl-4116	225	5	,	,	PUNCT
hassl-4116	225	6	we	we	PRON
hassl-4116	225	7	collected	collect	VERB
hassl-4116	225	8	343	343	NUM
hassl-4116	225	9	respondents	respondent	NOUN
hassl-4116	225	10	under	under	ADP
hassl-4116	225	11	this	this	DET
hassl-4116	225	12	study	study	NOUN
hassl-4116	225	13	to	to	PART
hassl-4116	225	14	avoid	avoid	VERB
hassl-4116	225	15	untruthful	untruthful	ADJ
hassl-4116	225	16	and	and	CCONJ
hassl-4116	225	17	strategic	strategic	ADJ
hassl-4116	225	18	bias	bias	NOUN
hassl-4116	225	19	given	give	VERB
hassl-4116	225	20	by	by	ADP
hassl-4116	225	21	the	the	DET
hassl-4116	225	22	respondents	respondent	NOUN
hassl-4116	225	23	when	when	SCONJ
hassl-4116	225	24	they	they	PRON
hassl-4116	225	25	responded	respond	VERB
hassl-4116	225	26	to	to	ADP
hassl-4116	225	27	the	the	DET
hassl-4116	225	28	online	online	ADJ
hassl-4116	225	29	questionnaire	questionnaire	NOUN
hassl-4116	225	30	administered	administer	VERB
hassl-4116	225	31	on	on	ADP
hassl-4116	225	32	google	google	PROPN
hassl-4116	225	33	forms	form	NOUN
hassl-4116	225	34	.	.	PUNCT
hassl-4116	226	1	the	the	DET
hassl-4116	226	2	online	online	ADJ
hassl-4116	226	3	questionnaire	questionnaire	NOUN
hassl-4116	226	4	was	be	AUX
hassl-4116	226	5	given	give	VERB
hassl-4116	226	6	to	to	ADP
hassl-4116	226	7	343	343	NUM
hassl-4116	226	8	respondents	respondent	NOUN
hassl-4116	226	9	covered	cover	VERB
hassl-4116	226	10	questions	question	NOUN
hassl-4116	226	11	related	relate	VERB
hassl-4116	226	12	to	to	ADP
hassl-4116	226	13	6	6	NUM
hassl-4116	226	14	demographic	demographic	ADJ
hassl-4116	226	15	characteristics	characteristic	NOUN
hassl-4116	226	16	(	(	PUNCT
hassl-4116	226	17	i.e.	i.e.	X
hassl-4116	226	18	,	,	PUNCT
hassl-4116	226	19	gender	gender	NOUN
hassl-4116	226	20	,	,	PUNCT
hassl-4116	226	21	age	age	NOUN
hassl-4116	226	22	,	,	PUNCT
hassl-4116	226	23	highest	high	ADJ
hassl-4116	226	24	education	education	NOUN
hassl-4116	226	25	level	level	NOUN
hassl-4116	226	26	,	,	PUNCT
hassl-4116	226	27	type	type	NOUN
hassl-4116	226	28	of	of	ADP
hassl-4116	226	29	fintech	fintech	NOUN
hassl-4116	226	30	service	service	NOUN
hassl-4116	226	31	used	use	VERB
hassl-4116	226	32	,	,	PUNCT
hassl-4116	226	33	and	and	CCONJ
hassl-4116	226	34	frequency	frequency	NOUN
hassl-4116	226	35	of	of	ADP
hassl-4116	226	36	use	use	NOUN
hassl-4116	226	37	)	)	PUNCT
hassl-4116	226	38	and	and	CCONJ
hassl-4116	226	39	33	33	NUM
hassl-4116	226	40	indicators	indicator	NOUN
hassl-4116	226	41	of	of	ADP
hassl-4116	226	42	all	all	DET
hassl-4116	226	43	variables	variable	NOUN
hassl-4116	226	44	under	under	ADP
hassl-4116	226	45	the	the	DET
hassl-4116	226	46	survey	survey	NOUN
hassl-4116	226	47	(	(	PUNCT
hassl-4116	226	48	see	see	VERB
hassl-4116	226	49	table	table	NOUN
hassl-4116	226	50	2	2	NUM
hassl-4116	226	51	)	)	PUNCT
hassl-4116	226	52	.	.	PUNCT
hassl-4116	227	1	furthermore	furthermore	ADV
hassl-4116	227	2	,	,	PUNCT
hassl-4116	227	3	we	we	PRON
hassl-4116	227	4	used	use	VERB
hassl-4116	227	5	the	the	DET
hassl-4116	227	6	likert	likert	ADJ
hassl-4116	227	7	scale	scale	NOUN
hassl-4116	227	8	to	to	AUX
hassl-4116	227	9	measure	measure	VERB
hassl-4116	227	10	indicators	indicator	NOUN
hassl-4116	227	11	of	of	ADP
hassl-4116	227	12	each	each	DET
hassl-4116	227	13	variable	variable	NOUN
hassl-4116	227	14	.	.	PUNCT
hassl-4116	228	1	this	this	DET
hassl-4116	228	2	likert	likert	ADJ
hassl-4116	228	3	scale	scale	NOUN
hassl-4116	228	4	used	use	VERB
hassl-4116	228	5	five	five	NUM
hassl-4116	228	6	response	response	NOUN
hassl-4116	228	7	choices	choice	NOUN
hassl-4116	228	8	to	to	PART
hassl-4116	228	9	indicate	indicate	VERB
hassl-4116	228	10	the	the	DET
hassl-4116	228	11	agreement	agreement	NOUN
hassl-4116	228	12	degree	degree	NOUN
hassl-4116	228	13	,	,	PUNCT
hassl-4116	228	14	trust	trust	NOUN
hassl-4116	228	15	or	or	CCONJ
hassl-4116	228	16	attitude	attitude	NOUN
hassl-4116	228	17	of	of	ADP
hassl-4116	228	18	the	the	DET
hassl-4116	228	19	respondents	respondent	NOUN
hassl-4116	228	20	towards	towards	ADP
hassl-4116	228	21	the	the	DET
hassl-4116	228	22	given	give	VERB
hassl-4116	228	23	indicator	indicator	NOUN
hassl-4116	228	24	statements	statement	NOUN
hassl-4116	228	25	or	or	CCONJ
hassl-4116	228	26	questions	question	NOUN
hassl-4116	228	27	.	.	PUNCT
hassl-4116	229	1	each	each	DET
hassl-4116	229	2	respondent	respondent	NOUN
hassl-4116	229	3	was	be	AUX
hassl-4116	229	4	asked	ask	VERB
hassl-4116	229	5	to	to	PART
hassl-4116	229	6	select	select	VERB
hassl-4116	229	7	an	an	DET
hassl-4116	229	8	option	option	NOUN
hassl-4116	229	9	that	that	PRON
hassl-4116	229	10	best	good	ADJ
hassl-4116	229	11	reflects	reflect	VERB
hassl-4116	229	12	their	their	PRON
hassl-4116	229	13	opinions	opinion	NOUN
hassl-4116	229	14	or	or	CCONJ
hassl-4116	229	15	attitude	attitude	NOUN
hassl-4116	229	16	toward	toward	ADP
hassl-4116	229	17	the	the	DET
hassl-4116	229	18	statements	statement	NOUN
hassl-4116	229	19	or	or	CCONJ
hassl-4116	229	20	questions	question	NOUN
hassl-4116	229	21	.	.	PUNCT
hassl-4116	230	1	we	we	PRON
hassl-4116	230	2	used	use	VERB
hassl-4116	230	3	a	a	DET
hassl-4116	230	4	1	1	NUM
hassl-4116	230	5	-	-	SYM
hassl-4116	230	6	5	5	NUM
hassl-4116	230	7	likert	likert	ADJ
hassl-4116	230	8	scale	scale	NOUN
hassl-4116	230	9	as	as	SCONJ
hassl-4116	230	10	follows	follow	VERB
hassl-4116	230	11	:	:	PUNCT
hassl-4116	230	12	(	(	PUNCT
hassl-4116	230	13	1	1	X
hassl-4116	230	14	)	)	PUNCT
hassl-4116	230	15	strongly	strongly	ADV
hassl-4116	230	16	disagree	disagree	VERB
hassl-4116	230	17	that	that	SCONJ
hassl-4116	230	18	the	the	DET
hassl-4116	230	19	respondent	respondent	NOUN
hassl-4116	230	20	strongly	strongly	ADV
hassl-4116	230	21	disagree	disagree	VERB
hassl-4116	230	22	or	or	CCONJ
hassl-4116	230	23	has	have	VERB
hassl-4116	230	24	a	a	DET
hassl-4116	230	25	negative	negative	ADJ
hassl-4116	230	26	attitude	attitude	NOUN
hassl-4116	230	27	towards	towards	ADP
hassl-4116	230	28	the	the	DET
hassl-4116	230	29	statement	statement	NOUN
hassl-4116	230	30	or	or	CCONJ
hassl-4116	230	31	question	question	NOUN
hassl-4116	230	32	posed	pose	VERB
hassl-4116	230	33	.	.	PUNCT
hassl-4116	231	1	(	(	PUNCT
hassl-4116	231	2	2	2	X
hassl-4116	231	3	)	)	PUNCT
hassl-4116	231	4	disagree	disagree	VERB
hassl-4116	231	5	that	that	SCONJ
hassl-4116	231	6	the	the	DET
hassl-4116	231	7	respondent	respondent	NOUN
hassl-4116	231	8	disagree	disagree	VERB
hassl-4116	231	9	or	or	CCONJ
hassl-4116	231	10	has	have	VERB
hassl-4116	231	11	a	a	DET
hassl-4116	231	12	negative	negative	ADJ
hassl-4116	231	13	attitude	attitude	NOUN
hassl-4116	231	14	towards	towards	ADP
hassl-4116	231	15	the	the	DET
hassl-4116	231	16	statement	statement	NOUN
hassl-4116	231	17	or	or	CCONJ
hassl-4116	231	18	question	question	NOUN
hassl-4116	231	19	posed	pose	VERB
hassl-4116	231	20	.	.	PUNCT
hassl-4116	232	1	(	(	PUNCT
hassl-4116	232	2	3	3	X
hassl-4116	232	3	)	)	PUNCT
hassl-4116	232	4	neutral	neutral	ADJ
hassl-4116	232	5	that	that	DET
hassl-4116	232	6	respondent	respondent	NOUN
hassl-4116	232	7	were	be	AUX
hassl-4116	232	8	neutral	neutral	ADJ
hassl-4116	232	9	or	or	CCONJ
hassl-4116	232	10	did	do	AUX
hassl-4116	232	11	not	not	PART
hassl-4116	232	12	have	have	VERB
hassl-4116	232	13	a	a	DET
hassl-4116	232	14	specific	specific	ADJ
hassl-4116	232	15	attitude	attitude	NOUN
hassl-4116	232	16	towards	towards	ADP
hassl-4116	232	17	the	the	DET
hassl-4116	232	18	statement	statement	NOUN
hassl-4116	232	19	or	or	CCONJ
hassl-4116	232	20	question	question	NOUN
hassl-4116	232	21	posed	pose	VERB
hassl-4116	232	22	.	.	PUNCT
hassl-4116	233	1	(	(	PUNCT
hassl-4116	233	2	4	4	X
hassl-4116	233	3	)	)	PUNCT
hassl-4116	233	4	agree	agree	VERB
hassl-4116	233	5	where	where	SCONJ
hassl-4116	233	6	respondents	respondent	NOUN
hassl-4116	233	7	agree	agree	VERB
hassl-4116	233	8	or	or	CCONJ
hassl-4116	233	9	have	have	VERB
hassl-4116	233	10	a	a	DET
hassl-4116	233	11	positive	positive	ADJ
hassl-4116	233	12	attitude	attitude	NOUN
hassl-4116	233	13	towards	towards	ADP
hassl-4116	233	14	the	the	DET
hassl-4116	233	15	statements	statement	NOUN
hassl-4116	233	16	or	or	CCONJ
hassl-4116	233	17	questions	question	NOUN
hassl-4116	233	18	posed	pose	VERB
hassl-4116	233	19	;	;	PUNCT
hassl-4116	233	20	and	and	CCONJ
hassl-4116	233	21	(	(	PUNCT
hassl-4116	233	22	5	5	X
hassl-4116	233	23	)	)	PUNCT
hassl-4116	233	24	strongly	strongly	ADV
hassl-4116	233	25	agree	agree	VERB
hassl-4116	233	26	that	that	SCONJ
hassl-4116	233	27	the	the	DET
hassl-4116	233	28	respondent	respondent	NOUN
hassl-4116	233	29	exhibits	exhibit	VERB
hassl-4116	233	30	strong	strong	ADJ
hassl-4116	233	31	agreement	agreement	NOUN
hassl-4116	233	32	or	or	CCONJ
hassl-4116	233	33	has	have	VERB
hassl-4116	233	34	a	a	DET
hassl-4116	233	35	very	very	ADV
hassl-4116	233	36	positive	positive	ADJ
hassl-4116	233	37	attitude	attitude	NOUN
hassl-4116	233	38	towards	towards	ADP
hassl-4116	233	39	the	the	DET
hassl-4116	233	40	statement	statement	NOUN
hassl-4116	233	41	or	or	CCONJ
hassl-4116	233	42	question	question	NOUN
hassl-4116	233	43	posed	pose	VERB
hassl-4116	233	44	.	.	PUNCT
hassl-4116	234	1	3.3	3.3	NUM
hassl-4116	234	2	.	.	PUNCT
hassl-4116	235	1	variables	variable	NOUN
hassl-4116	235	2	estimated	estimate	VERB
hassl-4116	235	3	and	and	CCONJ
hassl-4116	235	4	method	method	NOUN
hassl-4116	235	5	of	of	ADP
hassl-4116	235	6	data	datum	NOUN
hassl-4116	235	7	analysis	analysis	NOUN
hassl-4116	235	8	variables	variable	NOUN
hassl-4116	235	9	estimated	estimate	VERB
hassl-4116	235	10	consist	consist	NOUN
hassl-4116	235	11	of	of	ADP
hassl-4116	235	12	one	one	NUM
hassl-4116	235	13	dependent	dependent	ADJ
hassl-4116	235	14	and	and	CCONJ
hassl-4116	235	15	four	four	NUM
hassl-4116	235	16	independent	independent	ADJ
hassl-4116	235	17	variables	variable	NOUN
hassl-4116	235	18	with	with	ADP
hassl-4116	235	19	one	one	NUM
hassl-4116	235	20	mediating	mediate	VERB
hassl-4116	235	21	variable	variable	NOUN
hassl-4116	235	22	.	.	PUNCT
hassl-4116	236	1	fintech	fintech	NOUN
hassl-4116	236	2	usage	usage	NOUN
hassl-4116	236	3	continuity	continuity	NOUN
hassl-4116	236	4	serves	serve	VERB
hassl-4116	236	5	as	as	ADP
hassl-4116	236	6	the	the	DET
hassl-4116	236	7	dependent	dependent	ADJ
hassl-4116	236	8	variable	variable	NOUN
hassl-4116	236	9	used	use	VERB
hassl-4116	236	10	in	in	ADP
hassl-4116	236	11	this	this	DET
hassl-4116	236	12	study	study	NOUN
hassl-4116	236	13	whereas	whereas	SCONJ
hassl-4116	236	14	the	the	DET
hassl-4116	236	15	independent	independent	ADJ
hassl-4116	236	16	variables	variable	NOUN
hassl-4116	236	17	are	be	AUX
hassl-4116	236	18	perceived	perceive	VERB
hassl-4116	236	19	benefit	benefit	NOUN
hassl-4116	236	20	,	,	PUNCT
hassl-4116	236	21	perceived	perceive	VERB
hassl-4116	236	22	ease	ease	NOUN
hassl-4116	236	23	of	of	ADP
hassl-4116	236	24	use	use	NOUN
hassl-4116	236	25	,	,	PUNCT
hassl-4116	236	26	perceived	perceive	VERB
hassl-4116	236	27	usefulness	usefulness	NOUN
hassl-4116	236	28	,	,	PUNCT
hassl-4116	236	29	and	and	CCONJ
hassl-4116	236	30	perceived	perceive	VERB
hassl-4116	236	31	risks	risk	NOUN
hassl-4116	236	32	.	.	PUNCT
hassl-4116	237	1	the	the	DET
hassl-4116	237	2	mediating	mediate	VERB
hassl-4116	237	3	variable	variable	NOUN
hassl-4116	237	4	used	use	VERB
hassl-4116	237	5	in	in	ADP
hassl-4116	237	6	this	this	DET
hassl-4116	237	7	study	study	NOUN
hassl-4116	237	8	is	be	AUX
hassl-4116	237	9	fintech	fintech	NOUN
hassl-4116	237	10	usage	usage	NOUN
hassl-4116	237	11	adoption	adoption	NOUN
hassl-4116	237	12	.	.	PUNCT
hassl-4116	238	1	this	this	DET
hassl-4116	238	2	study	study	NOUN
hassl-4116	238	3	selected	select	VERB
hassl-4116	238	4	variables	variable	NOUN
hassl-4116	238	5	for	for	ADP
hassl-4116	238	6	fintech	fintech	NOUN
hassl-4116	238	7	usage	usage	NOUN
hassl-4116	238	8	continuity	continuity	NOUN
hassl-4116	238	9	and	and	CCONJ
hassl-4116	238	10	adoption	adoption	NOUN
hassl-4116	238	11	based	base	VERB
hassl-4116	238	12	on	on	ADP
hassl-4116	238	13	the	the	DET
hassl-4116	238	14	tra	tra	NOUN
hassl-4116	238	15	and	and	CCONJ
hassl-4116	238	16	tam	tam	NOUN
hassl-4116	238	17	models	model	NOUN
hassl-4116	238	18	as	as	SCONJ
hassl-4116	238	19	these	these	DET
hassl-4116	238	20	variables	variable	NOUN
hassl-4116	238	21	are	be	AUX
hassl-4116	238	22	backed	back	VERB
hassl-4116	238	23	by	by	ADP
hassl-4116	238	24	empirical	empirical	ADJ
hassl-4116	238	25	evidence	evidence	NOUN
hassl-4116	238	26	in	in	ADP
hassl-4116	238	27	the	the	DET
hassl-4116	238	28	previously	previously	ADV
hassl-4116	238	29	discussed	discuss	VERB
hassl-4116	238	30	literature	literature	NOUN
hassl-4116	238	31	.	.	PUNCT
hassl-4116	239	1	the	the	DET
hassl-4116	239	2	chosen	choose	VERB
hassl-4116	239	3	variables	variable	NOUN
hassl-4116	239	4	form	form	VERB
hassl-4116	239	5	a	a	DET
hassl-4116	239	6	model	model	NOUN
hassl-4116	239	7	to	to	PART
hassl-4116	239	8	examine	examine	VERB
hassl-4116	239	9	the	the	DET
hassl-4116	239	10	factors	factor	NOUN
hassl-4116	239	11	influencing	influence	VERB
hassl-4116	239	12	the	the	DET
hassl-4116	239	13	ongoing	ongoing	ADJ
hassl-4116	239	14	use	use	NOUN
hassl-4116	239	15	of	of	ADP
hassl-4116	239	16	fintech	fintech	NOUN
hassl-4116	239	17	with	with	ADP
hassl-4116	239	18	fintech	fintech	NOUN
hassl-4116	239	19	adoption	adoption	NOUN
hassl-4116	239	20	as	as	ADP
hassl-4116	239	21	a	a	DET
hassl-4116	239	22	mediating	mediate	VERB
hassl-4116	239	23	variable	variable	NOUN
hassl-4116	239	24	.	.	PUNCT
hassl-4116	240	1	table	table	NOUN
hassl-4116	240	2	2	2	NUM
hassl-4116	240	3	shows	show	VERB
hassl-4116	240	4	the	the	DET
hassl-4116	240	5	dimensions	dimension	NOUN
hassl-4116	240	6	and	and	CCONJ
hassl-4116	240	7	indicators	indicator	NOUN
hassl-4116	240	8	for	for	ADP
hassl-4116	240	9	each	each	DET
hassl-4116	240	10	estimated	estimate	VERB
hassl-4116	240	11	variable	variable	NOUN
hassl-4116	240	12	.	.	PUNCT
hassl-4116	241	1	the	the	DET
hassl-4116	241	2	method	method	NOUN
hassl-4116	241	3	to	to	PART
hassl-4116	241	4	analyze	analyze	VERB
hassl-4116	241	5	the	the	DET
hassl-4116	241	6	data	datum	NOUN
hassl-4116	241	7	to	to	PART
hassl-4116	241	8	estimate	estimate	VERB
hassl-4116	241	9	the	the	DET
hassl-4116	241	10	research	research	NOUN
hassl-4116	241	11	model	model	NOUN
hassl-4116	241	12	was	be	AUX
hassl-4116	241	13	the	the	DET
hassl-4116	241	14	partial	partial	ADJ
hassl-4116	241	15	least	least	ADJ
hassl-4116	241	16	squares	square	NOUN
hassl-4116	241	17	structural	structural	ADJ
hassl-4116	241	18	equation	equation	NOUN
hassl-4116	241	19	modelling	modelling	NOUN
hassl-4116	241	20	(	(	PUNCT
hassl-4116	241	21	pls	pls	INTJ
hassl-4116	241	22	-	-	PUNCT
hassl-4116	241	23	sem	sem	NOUN
hassl-4116	241	24	)	)	PUNCT
hassl-4116	241	25	using	use	VERB
hassl-4116	241	26	smart	smart	ADJ
hassl-4116	241	27	pls	pls	PRON
hassl-4116	241	28	4.0	4.0	NUM
hassl-4116	241	29	software	software	NOUN
hassl-4116	241	30	(	(	PUNCT
hassl-4116	241	31	hair	hair	NOUN
hassl-4116	241	32	et	et	PROPN
hassl-4116	241	33	al	al	PROPN
hassl-4116	241	34	.	.	PROPN
hassl-4116	241	35	,	,	PUNCT
hassl-4116	241	36	2010	2010	NUM
hassl-4116	241	37	)	)	PUNCT
hassl-4116	241	38	.	.	PUNCT
hassl-4116	242	1	pls	pls	NOUN
hassl-4116	242	2	-	-	PUNCT
hassl-4116	242	3	sem	sem	PROPN
hassl-4116	242	4	with	with	ADP
hassl-4116	242	5	smartpls	smartpls	NOUN
hassl-4116	242	6	4.0	4.0	NUM
hassl-4116	242	7	is	be	AUX
hassl-4116	242	8	appropriate	appropriate	ADJ
hassl-4116	242	9	for	for	ADP
hassl-4116	242	10	this	this	DET
hassl-4116	242	11	study	study	NOUN
hassl-4116	242	12	's	's	PART
hassl-4116	242	13	analytical	analytical	ADJ
hassl-4116	242	14	needs	need	NOUN
hassl-4116	242	15	.	.	PUNCT
hassl-4116	243	1	pls	pls	NOUN
hassl-4116	243	2	-	-	PUNCT
hassl-4116	243	3	sem	sem	NOUN
hassl-4116	243	4	effectively	effectively	ADV
hassl-4116	243	5	tests	test	VERB
hassl-4116	243	6	theoretical	theoretical	ADJ
hassl-4116	243	7	frameworks	framework	NOUN
hassl-4116	243	8	predictively	predictively	ADV
hassl-4116	243	9	and	and	CCONJ
hassl-4116	243	10	handles	handle	VERB
hassl-4116	243	11	complex	complex	ADJ
hassl-4116	243	12	structural	structural	ADJ
hassl-4116	243	13	models	model	NOUN
hassl-4116	243	14	with	with	ADP
hassl-4116	243	15	multiple	multiple	ADJ
hassl-4116	243	16	constructs	construct	NOUN
hassl-4116	243	17	and	and	CCONJ
hassl-4116	243	18	relationships	relationship	NOUN
hassl-4116	243	19	.	.	PUNCT
hassl-4116	244	1	sem	sem	PROPN
hassl-4116	244	2	estimates	estimate	NOUN
hassl-4116	244	3	complex	complex	ADJ
hassl-4116	244	4	cause	cause	NOUN
hassl-4116	244	5	-	-	PUNCT
hassl-4116	244	6	effect	effect	NOUN
hassl-4116	244	7	relationships	relationship	NOUN
hassl-4116	244	8	with	with	ADP
hassl-4116	244	9	latent	latent	NOUN
hassl-4116	244	10	and	and	CCONJ
hassl-4116	244	11	observed	observed	ADJ
hassl-4116	244	12	variables	variable	NOUN
hassl-4116	244	13	making	make	VERB
hassl-4116	244	14	it	it	PRON
hassl-4116	244	15	useful	useful	ADJ
hassl-4116	244	16	for	for	ADP
hassl-4116	244	17	analyzing	analyze	VERB
hassl-4116	244	18	theoretical	theoretical	ADJ
hassl-4116	244	19	frameworks	framework	NOUN
hassl-4116	244	20	.	.	PUNCT
hassl-4116	245	1	pls	pls	ADJ
hassl-4116	245	2	-	-	PUNCT
hassl-4116	245	3	sem	sem	NOUN
hassl-4116	245	4	effectively	effectively	ADV
hassl-4116	245	5	balances	balance	VERB
hassl-4116	245	6	explanation	explanation	NOUN
hassl-4116	245	7	and	and	CCONJ
hassl-4116	245	8	prediction	prediction	NOUN
hassl-4116	245	9	aligning	align	VERB
hassl-4116	245	10	with	with	ADP
hassl-4116	245	11	current	current	ADJ
hassl-4116	245	12	research	research	NOUN
hassl-4116	245	13	needs	need	NOUN
hassl-4116	245	14	and	and	CCONJ
hassl-4116	245	15	making	make	VERB
hassl-4116	245	16	it	it	PRON
hassl-4116	245	17	a	a	DET
hassl-4116	245	18	suitable	suitable	ADJ
hassl-4116	245	19	choice	choice	NOUN
hassl-4116	245	20	for	for	ADP
hassl-4116	245	21	drawing	draw	VERB
hassl-4116	245	22	significant	significant	ADJ
hassl-4116	245	23	empirical	empirical	ADJ
hassl-4116	245	24	conclusions	conclusion	NOUN
hassl-4116	245	25	(	(	PUNCT
hassl-4116	245	26	asra	asra	PROPN
hassl-4116	245	27	,	,	PUNCT
hassl-4116	245	28	agung	agung	PROPN
hassl-4116	245	29	,	,	PUNCT
hassl-4116	245	30	munawir	munawir	NOUN
hassl-4116	245	31	,	,	PUNCT
hassl-4116	245	32	&	&	CCONJ
hassl-4116	245	33	novi	novi	PROPN
hassl-4116	245	34	,	,	PUNCT
hassl-4116	245	35	2022	2022	NUM
hassl-4116	245	36	;	;	PUNCT
hassl-4116	245	37	hair	hair	NOUN
hassl-4116	245	38	et	et	PROPN
hassl-4116	245	39	al	al	PROPN
hassl-4116	245	40	.	.	PROPN
hassl-4116	245	41	,	,	PUNCT
hassl-4116	245	42	2022	2022	NUM
hassl-4116	245	43	)	)	PUNCT
hassl-4116	245	44	.	.	PUNCT
hassl-4116	246	1	there	there	PRON
hassl-4116	246	2	were	be	VERB
hassl-4116	246	3	six	six	NUM
hassl-4116	246	4	stages	stage	NOUN
hassl-4116	246	5	in	in	ADP
hassl-4116	246	6	applying	apply	VERB
hassl-4116	246	7	the	the	DET
hassl-4116	246	8	sem	sem	NOUN
hassl-4116	246	9	analysis	analysis	NOUN
hassl-4116	246	10	:	:	PUNCT
hassl-4116	246	11	(	(	PUNCT
hassl-4116	246	12	1	1	X
hassl-4116	246	13	)	)	PUNCT
hassl-4116	246	14	defining	define	VERB
hassl-4116	246	15	individual	individual	ADJ
hassl-4116	246	16	constructs	construct	NOUN
hassl-4116	246	17	to	to	PART
hassl-4116	246	18	have	have	VERB
hassl-4116	246	19	the	the	DET
hassl-4116	246	20	measurement	measurement	NOUN
hassl-4116	246	21	of	of	ADP
hassl-4116	246	22	model	model	NOUN
hassl-4116	246	23	specification	specification	NOUN
hassl-4116	246	24	.	.	PUNCT
hassl-4116	247	1	(	(	PUNCT
hassl-4116	247	2	2	2	X
hassl-4116	247	3	)	)	PUNCT
hassl-4116	247	4	formulating	formulate	VERB
hassl-4116	247	5	a	a	DET
hassl-4116	247	6	measurement	measurement	NOUN
hassl-4116	247	7	model	model	NOUN
hassl-4116	247	8	to	to	PART
hassl-4116	247	9	estimate	estimate	VERB
hassl-4116	247	10	loading	loading	NOUN
hassl-4116	247	11	factors	factor	NOUN
hassl-4116	247	12	by	by	ADP
hassl-4116	247	13	drawing	draw	VERB
hassl-4116	247	14	a	a	DET
hassl-4116	247	15	path	path	NOUN
hassl-4116	247	16	diagram	diagram	NOUN
hassl-4116	247	17	,	,	PUNCT
hassl-4116	247	18	measuring	measure	VERB
hassl-4116	247	19	variables	variable	NOUN
hassl-4116	247	20	and	and	CCONJ
hassl-4116	247	21	constructing	construct	VERB
hassl-4116	247	22	latent	latent	NOUN
hassl-4116	247	23	,	,	PUNCT
hassl-4116	247	24	and	and	CCONJ
hassl-4116	247	25	adding	add	VERB
hassl-4116	247	26	error	error	NOUN
hassl-4116	247	27	terms	term	NOUN
hassl-4116	247	28	.	.	PUNCT
hassl-4116	248	1	(	(	PUNCT
hassl-4116	248	2	3	3	X
hassl-4116	248	3	)	)	PUNCT
hassl-4116	248	4	estimating	estimate	VERB
hassl-4116	248	5	construct	construct	NOUN
hassl-4116	248	6	reliability	reliability	NOUN
hassl-4116	248	7	and	and	CCONJ
hassl-4116	248	8	variance	variance	NOUN
hassl-4116	248	9	extracted	extract	VERB
hassl-4116	248	10	to	to	PART
hassl-4116	248	11	know	know	VERB
hassl-4116	248	12	the	the	DET
hassl-4116	248	13	reliability	reliability	NOUN
hassl-4116	248	14	and	and	CCONJ
hassl-4116	248	15	validity	validity	NOUN
hassl-4116	248	16	of	of	ADP
hassl-4116	248	17	the	the	DET
hassl-4116	248	18	goodness	goodness	NOUN
hassl-4116	248	19	of	of	ADP
hassl-4116	248	20	fit	fit	ADJ
hassl-4116	248	21	model	model	NOUN
hassl-4116	248	22	.	.	PUNCT
hassl-4116	249	1	(	(	PUNCT
hassl-4116	249	2	4	4	X
hassl-4116	249	3	)	)	PUNCT
hassl-4116	249	4	formulating	formulate	VERB
hassl-4116	249	5	structural	structural	ADJ
hassl-4116	249	6	model	model	NOUN
hassl-4116	249	7	.	.	PUNCT
hassl-4116	250	1	(	(	PUNCT
hassl-4116	250	2	5	5	X
hassl-4116	250	3	)	)	PUNCT
hassl-4116	250	4	examining	examine	VERB
hassl-4116	250	5	model	model	NOUN
hassl-4116	250	6	validity	validity	NOUN
hassl-4116	250	7	by	by	ADP
hassl-4116	250	8	testing	test	VERB
hassl-4116	250	9	the	the	DET
hassl-4116	250	10	hypothesis	hypothesis	NOUN
hassl-4116	250	11	and	and	CCONJ
hassl-4116	250	12	structural	structural	ADJ
hassl-4116	250	13	relationship	relationship	NOUN
hassl-4116	250	14	of	of	ADP
hassl-4116	250	15	variables	variable	NOUN
hassl-4116	250	16	humanities	humanity	NOUN
hassl-4116	250	17	and	and	CCONJ
hassl-4116	250	18	social	social	ADJ
hassl-4116	250	19	sciences	science	NOUN
hassl-4116	250	20	letters	letter	NOUN
hassl-4116	250	21	,	,	PUNCT
hassl-4116	250	22	2025	2025	NUM
hassl-4116	250	23	,	,	PUNCT
hassl-4116	250	24	13(2	13(2	NUM
hassl-4116	250	25	):	):	PUNCT
hassl-4116	250	26	409	409	NUM
hassl-4116	250	27	-	-	SYM
hassl-4116	250	28	427	427	NUM
hassl-4116	250	29	417	417	NUM
hassl-4116	250	30	©	©	PROPN
hassl-4116	250	31	2025	2025	NUM
hassl-4116	250	32	conscientia	conscientia	PROPN
hassl-4116	250	33	beam	beam	PROPN
hassl-4116	250	34	.	.	PUNCT
hassl-4116	251	1	all	all	DET
hassl-4116	251	2	rights	right	NOUN
hassl-4116	251	3	reserved	reserve	VERB
hassl-4116	251	4	.	.	PUNCT
hassl-4116	252	1	and	and	CCONJ
hassl-4116	252	2	(	(	PUNCT
hassl-4116	252	3	6	6	X
hassl-4116	252	4	)	)	PUNCT
hassl-4116	252	5	drawing	draw	VERB
hassl-4116	252	6	conclusion	conclusion	NOUN
hassl-4116	252	7	to	to	PART
hassl-4116	252	8	confirm	confirm	VERB
hassl-4116	252	9	whether	whether	SCONJ
hassl-4116	252	10	or	or	CCONJ
hassl-4116	252	11	not	not	PART
hassl-4116	252	12	the	the	DET
hassl-4116	252	13	data	data	NOUN
hassl-4116	252	14	analysis	analysis	NOUN
hassl-4116	252	15	is	be	AUX
hassl-4116	252	16	theoretically	theoretically	ADV
hassl-4116	252	17	justified	justify	VERB
hassl-4116	252	18	(	(	PUNCT
hassl-4116	252	19	asra	asra	VERB
hassl-4116	252	20	et	et	PROPN
hassl-4116	252	21	al	al	PROPN
hassl-4116	252	22	.	.	PROPN
hassl-4116	252	23	,	,	PUNCT
hassl-4116	252	24	2022	2022	NUM
hassl-4116	252	25	)	)	PUNCT
hassl-4116	252	26	.	.	PUNCT
hassl-4116	253	1	the	the	DET
hassl-4116	253	2	analysis	analysis	NOUN
hassl-4116	253	3	was	be	AUX
hassl-4116	253	4	conducted	conduct	VERB
hassl-4116	253	5	using	use	VERB
hassl-4116	253	6	smart	smart	ADJ
hassl-4116	253	7	pls	pls	NOUN
hassl-4116	253	8	4.0	4.0	NUM
hassl-4116	253	9	with	with	ADP
hassl-4116	253	10	one	one	NUM
hassl-4116	253	11	-	-	PUNCT
hassl-4116	253	12	tailed	tail	VERB
hassl-4116	253	13	testing	testing	NOUN
hassl-4116	253	14	of	of	ADP
hassl-4116	253	15	the	the	DET
hassl-4116	253	16	hypothesis	hypothesis	NOUN
hassl-4116	253	17	at	at	ADP
hassl-4116	253	18	a	a	DET
hassl-4116	253	19	significance	significance	NOUN
hassl-4116	253	20	level	level	NOUN
hassl-4116	253	21	of	of	ADP
hassl-4116	253	22	0.05	0.05	NUM
hassl-4116	253	23	.	.	PUNCT
hassl-4116	254	1	the	the	DET
hassl-4116	254	2	analysis	analysis	NOUN
hassl-4116	254	3	of	of	ADP
hassl-4116	254	4	the	the	DET
hassl-4116	254	5	inner	inner	ADJ
hassl-4116	254	6	model	model	NOUN
hassl-4116	254	7	concentrated	concentrate	VERB
hassl-4116	254	8	on	on	ADP
hassl-4116	254	9	the	the	DET
hassl-4116	254	10	coefficient	coefficient	NOUN
hassl-4116	254	11	of	of	ADP
hassl-4116	254	12	determination	determination	NOUN
hassl-4116	254	13	(	(	PUNCT
hassl-4116	254	14	r2	r2	PROPN
hassl-4116	254	15	)	)	PUNCT
hassl-4116	254	16	and	and	CCONJ
hassl-4116	254	17	path	path	NOUN
hassl-4116	254	18	coefficients	coefficient	NOUN
hassl-4116	254	19	(	(	PUNCT
hassl-4116	254	20	hair	hair	NOUN
hassl-4116	254	21	et	et	PROPN
hassl-4116	254	22	al	al	PROPN
hassl-4116	254	23	.	.	PROPN
hassl-4116	254	24	,	,	PUNCT
hassl-4116	254	25	2022	2022	NUM
hassl-4116	254	26	)	)	PUNCT
hassl-4116	254	27	.	.	PUNCT
hassl-4116	255	1	4	4	X
hassl-4116	255	2	.	.	NOUN
hassl-4116	255	3	results	result	NOUN
hassl-4116	255	4	and	and	CCONJ
hassl-4116	255	5	discussion	discussion	NOUN
hassl-4116	255	6	4.1	4.1	NUM
hassl-4116	255	7	.	.	PUNCT
hassl-4116	255	8	results	result	VERB
hassl-4116	255	9	4.1.1	4.1.1	NUM
hassl-4116	255	10	.	.	PUNCT
hassl-4116	256	1	characteristics	characteristic	NOUN
hassl-4116	256	2	of	of	ADP
hassl-4116	256	3	respondents	respondent	NOUN
hassl-4116	256	4	the	the	DET
hassl-4116	256	5	result	result	NOUN
hassl-4116	256	6	of	of	ADP
hassl-4116	256	7	data	datum	NOUN
hassl-4116	256	8	analysis	analysis	NOUN
hassl-4116	256	9	concerning	concern	VERB
hassl-4116	256	10	the	the	DET
hassl-4116	256	11	characteristics	characteristic	NOUN
hassl-4116	256	12	of	of	ADP
hassl-4116	256	13	respondents	respondent	NOUN
hassl-4116	256	14	can	can	AUX
hassl-4116	256	15	be	be	AUX
hassl-4116	256	16	seen	see	VERB
hassl-4116	256	17	in	in	ADP
hassl-4116	256	18	table	table	NOUN
hassl-4116	256	19	1	1	NUM
hassl-4116	256	20	.	.	PUNCT
hassl-4116	256	21	based	base	VERB
hassl-4116	256	22	on	on	ADP
hassl-4116	256	23	gender	gender	NOUN
hassl-4116	256	24	,	,	PUNCT
hassl-4116	256	25	out	out	ADP
hassl-4116	256	26	of	of	ADP
hassl-4116	256	27	a	a	DET
hassl-4116	256	28	total	total	NOUN
hassl-4116	256	29	of	of	ADP
hassl-4116	256	30	343	343	NUM
hassl-4116	256	31	respondents	respondent	NOUN
hassl-4116	256	32	,	,	PUNCT
hassl-4116	256	33	the	the	DET
hassl-4116	256	34	majority	majority	NOUN
hassl-4116	256	35	are	be	AUX
hassl-4116	256	36	female	female	ADJ
hassl-4116	256	37	(	(	PUNCT
hassl-4116	256	38	58	58	NUM
hassl-4116	256	39	%	%	NOUN
hassl-4116	256	40	)	)	PUNCT
hassl-4116	256	41	,	,	PUNCT
hassl-4116	256	42	while	while	SCONJ
hassl-4116	256	43	male	male	ADJ
hassl-4116	256	44	account	account	NOUN
hassl-4116	256	45	for	for	ADP
hassl-4116	256	46	42	42	NUM
hassl-4116	256	47	%	%	NOUN
hassl-4116	256	48	.	.	PUNCT
hassl-4116	257	1	furthermore	furthermore	ADV
hassl-4116	257	2	,	,	PUNCT
hassl-4116	257	3	based	base	VERB
hassl-4116	257	4	on	on	ADP
hassl-4116	257	5	age	age	NOUN
hassl-4116	257	6	categories	category	NOUN
hassl-4116	257	7	,	,	PUNCT
hassl-4116	257	8	gen	gen	PROPN
hassl-4116	257	9	z	z	NOUN
hassl-4116	257	10	dominates	dominate	VERB
hassl-4116	257	11	with	with	ADP
hassl-4116	257	12	68.2	68.2	NUM
hassl-4116	257	13	%	%	NOUN
hassl-4116	257	14	.	.	PUNCT
hassl-4116	258	1	whereas	whereas	SCONJ
hassl-4116	258	2	gen	gen	PROPN
hassl-4116	258	3	millennial	millennial	NOUN
hassl-4116	258	4	is	be	AUX
hassl-4116	258	5	at	at	ADP
hassl-4116	258	6	23.9	23.9	NUM
hassl-4116	258	7	%	%	NOUN
hassl-4116	258	8	followed	follow	VERB
hassl-4116	258	9	by	by	ADP
hassl-4116	258	10	gen	gen	PROPN
hassl-4116	258	11	x	x	PROPN
hassl-4116	258	12	at	at	ADP
hassl-4116	258	13	6.4	6.4	NUM
hassl-4116	258	14	%	%	NOUN
hassl-4116	258	15	,	,	PUNCT
hassl-4116	258	16	and	and	CCONJ
hassl-4116	258	17	gen	gen	PROPN
hassl-4116	258	18	baby	baby	NOUN
hassl-4116	258	19	boomers	boomer	NOUN
hassl-4116	258	20	at	at	ADP
hassl-4116	258	21	only	only	ADV
hassl-4116	258	22	1.5	1.5	NUM
hassl-4116	258	23	%	%	NOUN
hassl-4116	258	24	.	.	PUNCT
hassl-4116	259	1	in	in	ADP
hassl-4116	259	2	terms	term	NOUN
hassl-4116	259	3	of	of	ADP
hassl-4116	259	4	education	education	NOUN
hassl-4116	259	5	,	,	PUNCT
hassl-4116	259	6	most	most	ADJ
hassl-4116	259	7	respondents	respondent	NOUN
hassl-4116	259	8	hold	hold	VERB
hassl-4116	259	9	a	a	DET
hassl-4116	259	10	bachelor	bachelor	NOUN
hassl-4116	259	11	's	's	PART
hassl-4116	259	12	degree	degree	NOUN
hassl-4116	259	13	(	(	PUNCT
hassl-4116	259	14	55.7	55.7	NUM
hassl-4116	259	15	%	%	NOUN
hassl-4116	259	16	)	)	PUNCT
hassl-4116	259	17	while	while	SCONJ
hassl-4116	259	18	those	those	PRON
hassl-4116	259	19	with	with	ADP
hassl-4116	259	20	master	master	NOUN
hassl-4116	259	21	and	and	CCONJ
hassl-4116	259	22	doctoral	doctoral	ADJ
hassl-4116	259	23	degrees	degree	NOUN
hassl-4116	259	24	account	account	VERB
hassl-4116	259	25	for	for	ADP
hassl-4116	259	26	9.6	9.6	NUM
hassl-4116	259	27	%	%	NOUN
hassl-4116	259	28	and	and	CCONJ
hassl-4116	259	29	1.5	1.5	NUM
hassl-4116	259	30	%	%	NOUN
hassl-4116	259	31	,	,	PUNCT
hassl-4116	259	32	respectively	respectively	ADV
hassl-4116	259	33	.	.	PUNCT
hassl-4116	260	1	the	the	DET
hassl-4116	260	2	remaining	remain	VERB
hassl-4116	260	3	33.2	33.2	NUM
hassl-4116	260	4	%	%	NOUN
hassl-4116	260	5	do	do	AUX
hassl-4116	260	6	not	not	PART
hassl-4116	260	7	hold	hold	VERB
hassl-4116	260	8	a	a	DET
hassl-4116	260	9	bachelor	bachelor	NOUN
hassl-4116	260	10	's	's	PART
hassl-4116	260	11	degree	degree	NOUN
hassl-4116	260	12	.	.	PUNCT
hassl-4116	261	1	in	in	ADP
hassl-4116	261	2	terms	term	NOUN
hassl-4116	261	3	of	of	ADP
hassl-4116	261	4	fintech	fintech	NOUN
hassl-4116	261	5	services	service	NOUN
hassl-4116	261	6	,	,	PUNCT
hassl-4116	261	7	about	about	ADV
hassl-4116	261	8	36.7	36.7	NUM
hassl-4116	261	9	%	%	NOUN
hassl-4116	261	10	of	of	ADP
hassl-4116	261	11	the	the	DET
hassl-4116	261	12	respondents	respondent	NOUN
hassl-4116	261	13	surveyed	survey	VERB
hassl-4116	261	14	used	use	VERB
hassl-4116	261	15	gopay	gopay	NOUN
hassl-4116	261	16	fintech	fintech	NOUN
hassl-4116	261	17	service	service	NOUN
hassl-4116	261	18	followed	follow	VERB
hassl-4116	261	19	by	by	ADP
hassl-4116	261	20	ovo	ovo	PROPN
hassl-4116	261	21	(	(	PUNCT
hassl-4116	261	22	27.4	27.4	NUM
hassl-4116	261	23	%	%	NOUN
hassl-4116	261	24	)	)	PUNCT
hassl-4116	261	25	,	,	PUNCT
hassl-4116	261	26	shopeepay	shopeepay	NOUN
hassl-4116	261	27	(	(	PUNCT
hassl-4116	261	28	23.6	23.6	NUM
hassl-4116	261	29	%	%	NOUN
hassl-4116	261	30	)	)	PUNCT
hassl-4116	261	31	,	,	PUNCT
hassl-4116	261	32	dana	dana	PROPN
hassl-4116	261	33	(	(	PUNCT
hassl-4116	261	34	5.2	5.2	NUM
hassl-4116	261	35	%	%	NOUN
hassl-4116	261	36	)	)	PUNCT
hassl-4116	261	37	,	,	PUNCT
hassl-4116	261	38	paylater	paylater	NOUN
hassl-4116	261	39	(	(	PUNCT
hassl-4116	261	40	1.7	1.7	NUM
hassl-4116	261	41	%	%	NOUN
hassl-4116	261	42	)	)	PUNCT
hassl-4116	261	43	,	,	PUNCT
hassl-4116	261	44	and	and	CCONJ
hassl-4116	261	45	linkaja	linkaja	NOUN
hassl-4116	261	46	(	(	PUNCT
hassl-4116	261	47	0.3	0.3	NUM
hassl-4116	261	48	%	%	NOUN
hassl-4116	261	49	)	)	PUNCT
hassl-4116	261	50	.	.	PUNCT
hassl-4116	262	1	the	the	DET
hassl-4116	262	2	rest	rest	NOUN
hassl-4116	262	3	of	of	ADP
hassl-4116	262	4	the	the	DET
hassl-4116	262	5	5	5	NUM
hassl-4116	262	6	%	%	NOUN
hassl-4116	262	7	of	of	ADP
hassl-4116	262	8	respondents	respondent	NOUN
hassl-4116	262	9	used	use	VERB
hassl-4116	262	10	other	other	ADJ
hassl-4116	262	11	categories	category	NOUN
hassl-4116	262	12	of	of	ADP
hassl-4116	262	13	fintech	fintech	NOUN
hassl-4116	262	14	services	service	NOUN
hassl-4116	262	15	.	.	PUNCT
hassl-4116	263	1	moreover	moreover	ADV
hassl-4116	263	2	,	,	PUNCT
hassl-4116	263	3	in	in	ADP
hassl-4116	263	4	terms	term	NOUN
hassl-4116	263	5	of	of	ADP
hassl-4116	263	6	the	the	DET
hassl-4116	263	7	frequency	frequency	NOUN
hassl-4116	263	8	of	of	ADP
hassl-4116	263	9	using	use	VERB
hassl-4116	263	10	fintech	fintech	NOUN
hassl-4116	263	11	services	service	NOUN
hassl-4116	263	12	,	,	PUNCT
hassl-4116	263	13	nearly	nearly	ADV
hassl-4116	263	14	half	half	NOUN
hassl-4116	263	15	of	of	ADP
hassl-4116	263	16	the	the	DET
hassl-4116	263	17	respondents	respondent	NOUN
hassl-4116	263	18	(	(	PUNCT
hassl-4116	263	19	49.6	49.6	NUM
hassl-4116	263	20	%	%	NOUN
hassl-4116	263	21	)	)	PUNCT
hassl-4116	263	22	used	use	VERB
hassl-4116	263	23	these	these	DET
hassl-4116	263	24	fintech	fintech	NOUN
hassl-4116	263	25	services	service	NOUN
hassl-4116	263	26	more	more	ADJ
hassl-4116	263	27	than	than	ADP
hassl-4116	263	28	five	five	NUM
hassl-4116	263	29	times	time	NOUN
hassl-4116	263	30	a	a	DET
hassl-4116	263	31	week	week	NOUN
hassl-4116	263	32	.	.	PUNCT
hassl-4116	264	1	about	about	ADV
hassl-4116	264	2	16.6	16.6	NUM
hassl-4116	264	3	%	%	NOUN
hassl-4116	264	4	of	of	ADP
hassl-4116	264	5	respondents	respondent	NOUN
hassl-4116	264	6	used	use	VERB
hassl-4116	264	7	fintech	fintech	NOUN
hassl-4116	264	8	services	service	NOUN
hassl-4116	264	9	twice	twice	DET
hassl-4116	264	10	a	a	DET
hassl-4116	264	11	week	week	NOUN
hassl-4116	264	12	,	,	PUNCT
hassl-4116	264	13	14.9	14.9	NUM
hassl-4116	264	14	%	%	NOUN
hassl-4116	264	15	once	once	ADV
hassl-4116	264	16	a	a	DET
hassl-4116	264	17	week	week	NOUN
hassl-4116	264	18	,	,	PUNCT
hassl-4116	264	19	11.4	11.4	NUM
hassl-4116	264	20	%	%	NOUN
hassl-4116	264	21	three	three	NUM
hassl-4116	264	22	times	time	NOUN
hassl-4116	264	23	a	a	DET
hassl-4116	264	24	week	week	NOUN
hassl-4116	264	25	,	,	PUNCT
hassl-4116	264	26	and	and	CCONJ
hassl-4116	264	27	7.6	7.6	NUM
hassl-4116	264	28	%	%	NOUN
hassl-4116	264	29	four	four	NUM
hassl-4116	264	30	times	time	NOUN
hassl-4116	264	31	a	a	DET
hassl-4116	264	32	week	week	NOUN
hassl-4116	264	33	(	(	PUNCT
hassl-4116	264	34	see	see	VERB
hassl-4116	264	35	table	table	NOUN
hassl-4116	264	36	1	1	NUM
hassl-4116	264	37	)	)	PUNCT
hassl-4116	264	38	.	.	PUNCT
hassl-4116	265	1	table	table	NOUN
hassl-4116	265	2	1	1	NUM
hassl-4116	265	3	.	.	PUNCT
hassl-4116	266	1	characteristics	characteristic	NOUN
hassl-4116	266	2	of	of	ADP
hassl-4116	266	3	respondents	respondent	NOUN
hassl-4116	266	4	based	base	VERB
hassl-4116	266	5	on	on	ADP
hassl-4116	266	6	gender	gender	NOUN
hassl-4116	266	7	,	,	PUNCT
hassl-4116	266	8	age	age	NOUN
hassl-4116	266	9	,	,	PUNCT
hassl-4116	266	10	educational	educational	ADJ
hassl-4116	266	11	background	background	NOUN
hassl-4116	266	12	,	,	PUNCT
hassl-4116	266	13	types	type	NOUN
hassl-4116	266	14	of	of	ADP
hassl-4116	266	15	fintech	fintech	NOUN
hassl-4116	266	16	services	service	NOUN
hassl-4116	266	17	used	use	VERB
hassl-4116	266	18	,	,	PUNCT
hassl-4116	266	19	and	and	CCONJ
hassl-4116	266	20	the	the	DET
hassl-4116	266	21	frequency	frequency	NOUN
hassl-4116	266	22	of	of	ADP
hassl-4116	266	23	using	use	VERB
hassl-4116	266	24	fintech	fintech	NOUN
hassl-4116	266	25	services	service	NOUN
hassl-4116	266	26	.	.	PUNCT
hassl-4116	267	1	description	description	NOUN
hassl-4116	267	2	category	category	NOUN
hassl-4116	267	3	total	total	NOUN
hassl-4116	267	4	percentage	percentage	NOUN
hassl-4116	267	5	(	(	PUNCT
hassl-4116	267	6	%	%	NOUN
hassl-4116	267	7	)	)	PUNCT
hassl-4116	267	8	gender	gender	NOUN
hassl-4116	267	9	male	male	NOUN
hassl-4116	267	10	144	144	NUM
hassl-4116	267	11	42.0	42.0	NUM
hassl-4116	267	12	female	female	NOUN
hassl-4116	267	13	199	199	NUM
hassl-4116	267	14	58.0	58.0	NUM
hassl-4116	267	15	total	total	NOUN
hassl-4116	267	16	343	343	NUM
hassl-4116	267	17	100	100	NUM
hassl-4116	267	18	age	age	NOUN
hassl-4116	267	19	gen	gen	PROPN
hassl-4116	267	20	z	z	PROPN
hassl-4116	267	21	234	234	NUM
hassl-4116	267	22	68.2	68.2	NUM
hassl-4116	267	23	gen	gen	PROPN
hassl-4116	267	24	millennials	millennial	NOUN
hassl-4116	267	25	82	82	NUM
hassl-4116	267	26	23.9	23.9	NUM
hassl-4116	267	27	gen	gen	PROPN
hassl-4116	267	28	x	x	SYM
hassl-4116	267	29	22	22	NUM
hassl-4116	267	30	6.4	6.4	NUM
hassl-4116	267	31	gen	gen	PROPN
hassl-4116	267	32	baby	baby	NOUN
hassl-4116	267	33	boomers	boomer	NOUN
hassl-4116	267	34	5	5	NUM
hassl-4116	267	35	1.5	1.5	NUM
hassl-4116	267	36	total	total	NOUN
hassl-4116	267	37	343	343	NUM
hassl-4116	267	38	100	100	NUM
hassl-4116	267	39	educational	educational	ADJ
hassl-4116	267	40	level	level	NOUN
hassl-4116	267	41	not	not	PART
hassl-4116	267	42	a	a	DET
hassl-4116	267	43	bachelor	bachelor	NOUN
hassl-4116	267	44	's	's	PART
hassl-4116	267	45	degree	degree	NOUN
hassl-4116	267	46	114	114	NUM
hassl-4116	267	47	33.2	33.2	NUM
hassl-4116	267	48	bachelor	bachelor	NOUN
hassl-4116	267	49	degree	degree	NOUN
hassl-4116	267	50	191	191	NUM
hassl-4116	267	51	55.7	55.7	NUM
hassl-4116	267	52	master	master	NOUN
hassl-4116	267	53	's	's	PART
hassl-4116	267	54	degree	degree	NOUN
hassl-4116	267	55	33	33	NUM
hassl-4116	267	56	9.6	9.6	NUM
hassl-4116	267	57	doctorate	doctorate	NOUN
hassl-4116	267	58	5	5	NUM
hassl-4116	267	59	1.5	1.5	NUM
hassl-4116	267	60	total	total	NOUN
hassl-4116	267	61	343	343	NUM
hassl-4116	267	62	100	100	NUM
hassl-4116	267	63	types	type	NOUN
hassl-4116	267	64	of	of	ADP
hassl-4116	267	65	fintech	fintech	NOUN
hassl-4116	267	66	services	service	NOUN
hassl-4116	267	67	used	use	VERB
hassl-4116	267	68	gopay	gopay	NOUN
hassl-4116	267	69	126	126	NUM
hassl-4116	267	70	36.7	36.7	NUM
hassl-4116	267	71	ovo	ovo	PROPN
hassl-4116	267	72	94	94	NUM
hassl-4116	267	73	27.4	27.4	NUM
hassl-4116	267	74	shopeepay	shopeepay	NOUN
hassl-4116	267	75	81	81	NUM
hassl-4116	267	76	23.6	23.6	NUM
hassl-4116	267	77	dana	dana	PROPN
hassl-4116	267	78	18	18	NUM
hassl-4116	267	79	5.2	5.2	NUM
hassl-4116	267	80	linkaja	linkaja	NOUN
hassl-4116	267	81	1	1	NUM
hassl-4116	267	82	0.3	0.3	NUM
hassl-4116	267	83	paylater	paylater	NOUN
hassl-4116	267	84	6	6	NUM
hassl-4116	267	85	1.7	1.7	NUM
hassl-4116	267	86	others	other	NOUN
hassl-4116	267	87	17	17	NUM
hassl-4116	267	88	5.0	5.0	NUM
hassl-4116	267	89	total	total	NOUN
hassl-4116	267	90	343	343	NUM
hassl-4116	267	91	100	100	NUM
hassl-4116	267	92	the	the	DET
hassl-4116	267	93	frequency	frequency	NOUN
hassl-4116	267	94	of	of	ADP
hassl-4116	267	95	using	use	VERB
hassl-4116	267	96	fintech	fintech	NOUN
hassl-4116	267	97	services	service	NOUN
hassl-4116	267	98	once	once	ADV
hassl-4116	267	99	a	a	DET
hassl-4116	267	100	week	week	NOUN
hassl-4116	267	101	51	51	NUM
hassl-4116	267	102	14.9	14.9	NUM
hassl-4116	267	103	twice	twice	DET
hassl-4116	267	104	a	a	DET
hassl-4116	267	105	week	week	NOUN
hassl-4116	267	106	57	57	NUM
hassl-4116	267	107	16.6	16.6	NUM
hassl-4116	267	108	three	three	NUM
hassl-4116	267	109	times	time	NOUN
hassl-4116	267	110	a	a	DET
hassl-4116	267	111	week	week	NOUN
hassl-4116	267	112	39	39	NUM
hassl-4116	267	113	11.4	11.4	NUM
hassl-4116	267	114	four	four	NUM
hassl-4116	267	115	times	time	NOUN
hassl-4116	267	116	a	a	DET
hassl-4116	267	117	week	week	NOUN
hassl-4116	267	118	26	26	NUM
hassl-4116	267	119	7.6	7.6	NUM
hassl-4116	267	120	more	more	ADJ
hassl-4116	267	121	than	than	ADP
hassl-4116	267	122	five	five	NUM
hassl-4116	267	123	times	time	NOUN
hassl-4116	267	124	a	a	DET
hassl-4116	267	125	week	week	NOUN
hassl-4116	267	126	170	170	NUM
hassl-4116	267	127	49.6	49.6	NUM
hassl-4116	267	128	total	total	NOUN
hassl-4116	267	129	343	343	NUM
hassl-4116	267	130	100	100	NUM
hassl-4116	267	131	source	source	NOUN
hassl-4116	267	132	:	:	PUNCT
hassl-4116	267	133	calculated	calculate	VERB
hassl-4116	267	134	from	from	ADP
hassl-4116	267	135	questionnaires	questionnaire	NOUN
hassl-4116	267	136	.	.	PUNCT
hassl-4116	268	1	humanities	humanity	NOUN
hassl-4116	268	2	and	and	CCONJ
hassl-4116	268	3	social	social	ADJ
hassl-4116	268	4	sciences	science	NOUN
hassl-4116	268	5	letters	letter	NOUN
hassl-4116	268	6	,	,	PUNCT
hassl-4116	268	7	2025	2025	NUM
hassl-4116	268	8	,	,	PUNCT
hassl-4116	268	9	13(2	13(2	NUM
hassl-4116	268	10	):	):	PUNCT
hassl-4116	268	11	409	409	NUM
hassl-4116	268	12	-	-	SYM
hassl-4116	268	13	427	427	NUM
hassl-4116	268	14	418	418	NUM
hassl-4116	268	15	©	©	ADP
hassl-4116	268	16	2025	2025	NUM
hassl-4116	268	17	conscientia	conscientia	PROPN
hassl-4116	268	18	beam	beam	PROPN
hassl-4116	268	19	.	.	PUNCT
hassl-4116	269	1	all	all	DET
hassl-4116	269	2	rights	right	NOUN
hassl-4116	269	3	reserved	reserve	VERB
hassl-4116	269	4	.	.	PUNCT
hassl-4116	270	1	table	table	NOUN
hassl-4116	270	2	2	2	NUM
hassl-4116	270	3	.	.	PUNCT
hassl-4116	271	1	outer	outer	ADJ
hassl-4116	271	2	loadings	loading	NOUN
hassl-4116	271	3	results	result	NOUN
hassl-4116	271	4	related	relate	VERB
hassl-4116	271	5	to	to	ADP
hassl-4116	271	6	the	the	DET
hassl-4116	271	7	reliability	reliability	NOUN
hassl-4116	271	8	test	test	NOUN
hassl-4116	271	9	.	.	PUNCT
hassl-4116	272	1	variables	variable	NOUN
hassl-4116	272	2	dimensions	dimension	NOUN
hassl-4116	272	3	indicators	indicator	NOUN
hassl-4116	272	4	outer	outer	ADJ
hassl-4116	272	5	loading	loading	NOUN
hassl-4116	272	6	composite	composite	ADJ
hassl-4116	272	7	reliability	reliability	NOUN
hassl-4116	272	8	cronbach	cronbach	NOUN
hassl-4116	272	9	's	's	PART
hassl-4116	272	10	alpha	alpha	NOUN
hassl-4116	272	11	result	result	NOUN
hassl-4116	272	12	perceived	perceive	VERB
hassl-4116	272	13	benefit	benefit	NOUN
hassl-4116	272	14	(	(	PUNCT
hassl-4116	272	15	pb	pb	NOUN
hassl-4116	272	16	)	)	PUNCT
hassl-4116	272	17	economic	economic	ADJ
hassl-4116	272	18	benefit	benefit	NOUN
hassl-4116	272	19	cheaper	cheap	ADJ
hassl-4116	272	20	price	price	NOUN
hassl-4116	272	21	(	(	PUNCT
hassl-4116	272	22	pb1	pb1	NOUN
hassl-4116	272	23	)	)	PUNCT
hassl-4116	272	24	0.824	0.824	NUM
hassl-4116	272	25	0.845	0.845	NUM
hassl-4116	272	26	0.727	0.727	NUM
hassl-4116	272	27	reliable	reliable	ADJ
hassl-4116	272	28	save	save	NOUN
hassl-4116	272	29	money	money	NOUN
hassl-4116	272	30	(	(	PUNCT
hassl-4116	272	31	pb2	pb2	NOUN
hassl-4116	272	32	)	)	PUNCT
hassl-4116	272	33	0.834	0.834	NUM
hassl-4116	272	34	reliable	reliable	ADJ
hassl-4116	272	35	using	use	VERB
hassl-4116	272	36	multiple	multiple	ADJ
hassl-4116	272	37	services	service	NOUN
hassl-4116	272	38	at	at	ADP
hassl-4116	272	39	low	low	ADJ
hassl-4116	272	40	cost	cost	NOUN
hassl-4116	272	41	(	(	PUNCT
hassl-4116	272	42	pb3	pb3	NOUN
hassl-4116	272	43	)	)	PUNCT
hassl-4116	272	44	0.754	0.754	NUM
hassl-4116	272	45	reliable	reliable	ADJ
hassl-4116	272	46	seamless	seamless	ADJ
hassl-4116	272	47	transaction	transaction	NOUN
hassl-4116	272	48	use	use	VERB
hassl-4116	272	49	multiple	multiple	ADJ
hassl-4116	272	50	services	service	NOUN
hassl-4116	272	51	simultaneously	simultaneously	ADV
hassl-4116	272	52	(	(	PUNCT
hassl-4116	272	53	pb4	pb4	NOUN
hassl-4116	272	54	)	)	PUNCT
hassl-4116	272	55	1.000	1.000	NUM
hassl-4116	272	56	0.840	0.840	NUM
hassl-4116	272	57	0.778	0.778	NUM
hassl-4116	272	58	reliable	reliable	ADJ
hassl-4116	272	59	convenience	convenience	NOUN
hassl-4116	272	60	quick	quick	ADJ
hassl-4116	272	61	use	use	NOUN
hassl-4116	272	62	(	(	PUNCT
hassl-4116	272	63	pb5	pb5	NOUN
hassl-4116	272	64	)	)	PUNCT
hassl-4116	272	65	0.838	0.838	NUM
hassl-4116	272	66	0.891	0.891	NUM
hassl-4116	272	67	0.816	0.816	NUM
hassl-4116	272	68	reliable	reliable	ADJ
hassl-4116	272	69	use	use	NOUN
hassl-4116	272	70	anywhere	anywhere	ADV
hassl-4116	272	71	and	and	CCONJ
hassl-4116	272	72	anytime	anytime	ADV
hassl-4116	272	73	(	(	PUNCT
hassl-4116	272	74	pb6	pb6	PROPN
hassl-4116	272	75	)	)	PUNCT
hassl-4116	272	76	0.828	0.828	NUM
hassl-4116	272	77	reliable	reliable	ADJ
hassl-4116	272	78	easily	easily	ADV
hassl-4116	272	79	use	use	NOUN
hassl-4116	272	80	(	(	PUNCT
hassl-4116	272	81	pb7	pb7	NOUN
hassl-4116	272	82	)	)	PUNCT
hassl-4116	272	83	0.899	0.899	NUM
hassl-4116	272	84	reliable	reliable	ADJ
hassl-4116	272	85	perceived	perceive	VERB
hassl-4116	272	86	ease	ease	NOUN
hassl-4116	272	87	of	of	ADP
hassl-4116	272	88	use	use	NOUN
hassl-4116	272	89	(	(	PUNCT
hassl-4116	272	90	peou	peou	ADV
hassl-4116	272	91	)	)	PUNCT
hassl-4116	272	92	easiness	easiness	NOUN
hassl-4116	272	93	easily	easily	ADV
hassl-4116	272	94	use	use	NOUN
hassl-4116	272	95	compare	compare	NOUN
hassl-4116	272	96	to	to	ADP
hassl-4116	272	97	traditional	traditional	ADJ
hassl-4116	272	98	payments	payment	NOUN
hassl-4116	272	99	(	(	PUNCT
hassl-4116	272	100	peou1	peou1	NOUN
hassl-4116	272	101	)	)	PUNCT
hassl-4116	272	102	1.000	1.000	NUM
hassl-4116	272	103	0.872	0.872	NUM
hassl-4116	272	104	0.777	0.777	NUM
hassl-4116	272	105	reliable	reliable	ADJ
hassl-4116	272	106	clean	clean	ADJ
hassl-4116	272	107	and	and	CCONJ
hassl-4116	272	108	understandable	understandable	ADJ
hassl-4116	272	109	clear	clear	ADJ
hassl-4116	272	110	and	and	CCONJ
hassl-4116	272	111	easy	easy	ADJ
hassl-4116	272	112	to	to	PART
hassl-4116	272	113	grasp	grasp	VERB
hassl-4116	272	114	(	(	PUNCT
hassl-4116	272	115	peou2	peou2	PROPN
hassl-4116	272	116	)	)	PUNCT
hassl-4116	272	117	1.000	1.000	NUM
hassl-4116	272	118	reliable	reliable	ADJ
hassl-4116	272	119	easy	easy	ADV
hassl-4116	272	120	to	to	PART
hassl-4116	272	121	learn	learn	VERB
hassl-4116	272	122	easy	easy	ADJ
hassl-4116	272	123	to	to	PART
hassl-4116	272	124	learn	learn	VERB
hassl-4116	272	125	(	(	PUNCT
hassl-4116	272	126	peou3	peou3	NOUN
hassl-4116	272	127	)	)	PUNCT
hassl-4116	272	128	1.000	1.000	NUM
hassl-4116	272	129	reliable	reliable	ADJ
hassl-4116	272	130	perceived	perceive	VERB
hassl-4116	272	131	risk	risk	NOUN
hassl-4116	272	132	(	(	PUNCT
hassl-4116	272	133	pr	pr	NOUN
hassl-4116	272	134	)	)	PUNCT
hassl-4116	272	135	financial	financial	ADJ
hassl-4116	272	136	risk	risk	NOUN
hassl-4116	272	137	financial	financial	ADJ
hassl-4116	272	138	loss	loss	NOUN
hassl-4116	272	139	may	may	AUX
hassl-4116	272	140	occur	occur	VERB
hassl-4116	272	141	(	(	PUNCT
hassl-4116	272	142	pr1	pr1	NOUN
hassl-4116	272	143	)	)	PUNCT
hassl-4116	273	1	0.850	0.850	NUM
hassl-4116	273	2	0.866	0.866	NUM
hassl-4116	273	3	0.767	0.767	NUM
hassl-4116	273	4	reliable	reliable	ADJ
hassl-4116	273	5	fraud	fraud	NOUN
hassl-4116	273	6	may	may	AUX
hassl-4116	273	7	occur	occur	VERB
hassl-4116	273	8	(	(	PUNCT
hassl-4116	273	9	pr2	pr2	NOUN
hassl-4116	273	10	)	)	PUNCT
hassl-4116	273	11	0.864	0.864	NUM
hassl-4116	273	12	reliable	reliable	ADJ
hassl-4116	273	13	financial	financial	ADJ
hassl-4116	273	14	loss	loss	NOUN
hassl-4116	273	15	may	may	AUX
hassl-4116	273	16	occur	occur	VERB
hassl-4116	273	17	if	if	SCONJ
hassl-4116	273	18	not	not	PART
hassl-4116	273	19	compatible	compatible	ADJ
hassl-4116	273	20	with	with	ADP
hassl-4116	273	21	other	other	ADJ
hassl-4116	273	22	services	service	NOUN
hassl-4116	273	23	(	(	PUNCT
hassl-4116	273	24	pr3	pr3	NOUN
hassl-4116	273	25	)	)	PUNCT
hassl-4116	273	26	0.764	0.764	NUM
hassl-4116	273	27	reliable	reliable	ADJ
hassl-4116	273	28	performance	performance	NOUN
hassl-4116	273	29	risk	risk	NOUN
hassl-4116	273	30	issue	issue	NOUN
hassl-4116	273	31	with	with	ADP
hassl-4116	273	32	credit	credit	NOUN
hassl-4116	273	33	status	status	NOUN
hassl-4116	273	34	(	(	PUNCT
hassl-4116	273	35	pr4	pr4	PROPN
hassl-4116	273	36	)	)	PUNCT
hassl-4116	273	37	0.921	0.921	NUM
hassl-4116	273	38	0.914	0.914	NUM
hassl-4116	273	39	0.812	0.812	NUM
hassl-4116	273	40	reliable	reliable	ADJ
hassl-4116	273	41	incorrect	incorrect	ADJ
hassl-4116	273	42	payment	payment	NOUN
hassl-4116	273	43	(	(	PUNCT
hassl-4116	273	44	pr5	pr5	NOUN
hassl-4116	273	45	)	)	PUNCT
hassl-4116	273	46	0.914	0.914	NUM
hassl-4116	273	47	reliable	reliable	ADJ
hassl-4116	273	48	misuse	misuse	NOUN
hassl-4116	273	49	of	of	ADP
hassl-4116	273	50	personal	personal	ADJ
hassl-4116	273	51	information	information	NOUN
hassl-4116	273	52	(	(	PUNCT
hassl-4116	273	53	pr6	pr6	NOUN
hassl-4116	273	54	)	)	PUNCT
hassl-4116	273	55	0.854	0.854	NUM
hassl-4116	273	56	0.918	0.918	NUM
hassl-4116	273	57	0.866	0.866	NUM
hassl-4116	273	58	reliable	reliable	ADJ
hassl-4116	273	59	security	security	NOUN
hassl-4116	273	60	risk	risk	NOUN
hassl-4116	273	61	personal	personal	ADJ
hassl-4116	273	62	information	information	NOUN
hassl-4116	273	63	not	not	PART
hassl-4116	273	64	secure	secure	ADJ
hassl-4116	273	65	(	(	PUNCT
hassl-4116	273	66	pr7	pr7	NOUN
hassl-4116	273	67	)	)	PUNCT
hassl-4116	273	68	0.912	0.912	NUM
hassl-4116	273	69	reliable	reliable	ADJ
hassl-4116	273	70	unauthorized	unauthorized	ADJ
hassl-4116	273	71	access	access	NOUN
hassl-4116	273	72	to	to	ADP
hassl-4116	273	73	personal	personal	ADJ
hassl-4116	273	74	information	information	NOUN
hassl-4116	273	75	(	(	PUNCT
hassl-4116	273	76	pr8	pr8	NOUN
hassl-4116	273	77	)	)	PUNCT
hassl-4116	273	78	0.899	0.899	NUM
hassl-4116	273	79	reliable	reliable	ADJ
hassl-4116	273	80	perceived	perceive	VERB
hassl-4116	273	81	usefulness	usefulness	NOUN
hassl-4116	273	82	(	(	PUNCT
hassl-4116	273	83	pu	pu	PROPN
hassl-4116	273	84	)	)	PUNCT
hassl-4116	273	85	can	can	AUX
hassl-4116	273	86	meet	meet	VERB
hassl-4116	273	87	the	the	DET
hassl-4116	273	88	needs	need	NOUN
hassl-4116	273	89	meet	meet	VERB
hassl-4116	273	90	my	my	PRON
hassl-4116	273	91	needs	need	NOUN
hassl-4116	273	92	(	(	PUNCT
hassl-4116	273	93	pu1	pu1	NOUN
hassl-4116	273	94	)	)	PUNCT
hassl-4116	273	95	1.000	1.000	NUM
hassl-4116	273	96	0.914	0.914	NUM
hassl-4116	273	97	0.874	0.874	NUM
hassl-4116	273	98	reliable	reliable	ADJ
hassl-4116	273	99	being	be	AUX
hassl-4116	273	100	fast	fast	ADV
hassl-4116	273	101	save	save	ADJ
hassl-4116	273	102	time	time	NOUN
hassl-4116	273	103	(	(	PUNCT
hassl-4116	273	104	pu2	pu2	NOUN
hassl-4116	273	105	)	)	PUNCT
hassl-4116	273	106	1.000	1.000	NUM
hassl-4116	273	107	reliable	reliable	ADJ
hassl-4116	273	108	effectiveness	effectiveness	NOUN
hassl-4116	273	109	increase	increase	NOUN
hassl-4116	273	110	effectiveness	effectiveness	NOUN
hassl-4116	273	111	(	(	PUNCT
hassl-4116	273	112	pu3	pu3	PROPN
hassl-4116	273	113	)	)	PUNCT
hassl-4116	273	114	1.000	1.000	NUM
hassl-4116	273	115	reliable	reliable	ADJ
hassl-4116	273	116	useful	useful	ADJ
hassl-4116	273	117	overall	overall	ADJ
hassl-4116	273	118	useful	useful	ADJ
hassl-4116	273	119	(	(	PUNCT
hassl-4116	273	120	pu4	pu4	NOUN
hassl-4116	273	121	)	)	PUNCT
hassl-4116	273	122	1.000	1.000	NUM
hassl-4116	273	123	reliable	reliable	ADJ
hassl-4116	273	124	fintech	fintech	NOUN
hassl-4116	273	125	usage	usage	NOUN
hassl-4116	273	126	adoption	adoption	NOUN
hassl-4116	273	127	(	(	PUNCT
hassl-4116	273	128	fua	fua	NOUN
hassl-4116	273	129	)	)	PUNCT
hassl-4116	273	130	frequent	frequent	ADJ
hassl-4116	273	131	use	use	NOUN
hassl-4116	273	132	more	more	ADV
hassl-4116	273	133	often	often	ADV
hassl-4116	273	134	than	than	ADP
hassl-4116	273	135	traditional	traditional	ADJ
hassl-4116	273	136	financial	financial	ADJ
hassl-4116	273	137	services	service	NOUN
hassl-4116	273	138	(	(	PUNCT
hassl-4116	273	139	fua1	fua1	PROPN
hassl-4116	273	140	)	)	PUNCT
hassl-4116	273	141	1.000	1.000	NUM
hassl-4116	273	142	0.924	0.924	NUM
hassl-4116	273	143	0.836	0.836	NUM
hassl-4116	273	144	reliable	reliable	ADJ
hassl-4116	273	145	continuance	continuance	NOUN
hassl-4116	273	146	current	current	ADJ
hassl-4116	273	147	use	use	NOUN
hassl-4116	273	148	and	and	CCONJ
hassl-4116	273	149	will	will	AUX
hassl-4116	273	150	continue	continue	VERB
hassl-4116	273	151	to	to	PART
hassl-4116	273	152	use	use	VERB
hassl-4116	273	153	(	(	PUNCT
hassl-4116	273	154	fua2	fua2	PROPN
hassl-4116	273	155	)	)	PUNCT
hassl-4116	273	156	1.000	1.000	NUM
hassl-4116	273	157	reliable	reliable	ADJ
hassl-4116	273	158	experience	experience	NOUN
hassl-4116	273	159	have	have	VERB
hassl-4116	273	160	a	a	DET
hassl-4116	273	161	lot	lot	NOUN
hassl-4116	273	162	experience	experience	NOUN
hassl-4116	273	163	(	(	PUNCT
hassl-4116	273	164	fua3	fua3	PROPN
hassl-4116	273	165	)	)	PUNCT
hassl-4116	273	166	0.931	0.931	NUM
hassl-4116	273	167	reliable	reliable	ADJ
hassl-4116	273	168	benefit	benefit	NOUN
hassl-4116	273	169	from	from	ADP
hassl-4116	273	170	use	use	NOUN
hassl-4116	273	171	fintech	fintech	NOUN
hassl-4116	273	172	(	(	PUNCT
hassl-4116	273	173	fua4	fua4	PROPN
hassl-4116	273	174	)	)	PUNCT
hassl-4116	273	175	0.922	0.922	NUM
hassl-4116	273	176	reliable	reliable	ADJ
hassl-4116	273	177	actual	actual	ADJ
hassl-4116	273	178	use	use	NOUN
hassl-4116	273	179	make	make	VERB
hassl-4116	273	180	many	many	ADJ
hassl-4116	273	181	transactions	transaction	NOUN
hassl-4116	273	182	using	use	VERB
hassl-4116	273	183	fintech	fintech	NOUN
hassl-4116	273	184	(	(	PUNCT
hassl-4116	273	185	fua5	fua5	PROPN
hassl-4116	273	186	)	)	PUNCT
hassl-4116	273	187	1.000	1.000	NUM
hassl-4116	273	188	reliable	reliable	ADJ
hassl-4116	273	189	fintech	fintech	NOUN
hassl-4116	273	190	usage	usage	NOUN
hassl-4116	273	191	continuity	continuity	NOUN
hassl-4116	273	192	(	(	PUNCT
hassl-4116	273	193	fuc	fuc	X
hassl-4116	273	194	)	)	PUNCT
hassl-4116	273	195	consider	consider	VERB
hassl-4116	273	196	to	to	PART
hassl-4116	273	197	use	use	VERB
hassl-4116	273	198	consideration	consideration	NOUN
hassl-4116	273	199	in	in	ADP
hassl-4116	273	200	using	use	VERB
hassl-4116	273	201	fintech	fintech	NOUN
hassl-4116	273	202	(	(	PUNCT
hassl-4116	273	203	fuc1	fuc1	PROPN
hassl-4116	273	204	)	)	PUNCT
hassl-4116	273	205	1.000	1.000	NUM
hassl-4116	273	206	0.901	0.901	NUM
hassl-4116	273	207	0.833	0.833	NUM
hassl-4116	273	208	reliable	reliable	ADJ
hassl-4116	273	209	continue	continue	VERB
hassl-4116	273	210	to	to	PART
hassl-4116	273	211	use	use	VERB
hassl-4116	273	212	willingness	willingness	NOUN
hassl-4116	273	213	to	to	PART
hassl-4116	273	214	use	use	VERB
hassl-4116	273	215	continuously	continuously	ADV
hassl-4116	273	216	(	(	PUNCT
hassl-4116	273	217	fuc2	fuc2	ADV
hassl-4116	273	218	)	)	PUNCT
hassl-4116	273	219	1.000	1.000	NUM
hassl-4116	273	220	reliable	reliable	ADJ
hassl-4116	273	221	will	will	AUX
hassl-4116	273	222	be	be	AUX
hassl-4116	273	223	recommended	recommend	VERB
hassl-4116	273	224	will	will	AUX
hassl-4116	273	225	use	use	VERB
hassl-4116	273	226	in	in	ADP
hassl-4116	273	227	the	the	DET
hassl-4116	273	228	future	future	NOUN
hassl-4116	273	229	(	(	PUNCT
hassl-4116	273	230	fuc3	fuc3	PROPN
hassl-4116	273	231	)	)	PUNCT
hassl-4116	273	232	1.000	1.000	NUM
hassl-4116	273	233	reliable	reliable	ADJ
hassl-4116	273	234	source	source	NOUN
hassl-4116	273	235	:	:	PUNCT
hassl-4116	273	236	calculated	calculate	VERB
hassl-4116	273	237	from	from	ADP
hassl-4116	273	238	questionnaires	questionnaire	NOUN
hassl-4116	273	239	.	.	PUNCT
hassl-4116	274	1	humanities	humanity	NOUN
hassl-4116	274	2	and	and	CCONJ
hassl-4116	274	3	social	social	ADJ
hassl-4116	274	4	sciences	science	NOUN
hassl-4116	274	5	letters	letter	NOUN
hassl-4116	274	6	,	,	PUNCT
hassl-4116	274	7	2025	2025	NUM
hassl-4116	274	8	,	,	PUNCT
hassl-4116	274	9	13(2	13(2	NUM
hassl-4116	274	10	):	):	PUNCT
hassl-4116	274	11	409	409	NUM
hassl-4116	274	12	-	-	SYM
hassl-4116	274	13	427	427	NUM
hassl-4116	274	14	419	419	NUM
hassl-4116	274	15	©	©	ADP
hassl-4116	274	16	2025	2025	NUM
hassl-4116	274	17	conscientia	conscientia	PROPN
hassl-4116	274	18	beam	beam	PROPN
hassl-4116	274	19	.	.	PUNCT
hassl-4116	275	1	all	all	DET
hassl-4116	275	2	rights	right	NOUN
hassl-4116	275	3	reserved	reserve	VERB
hassl-4116	275	4	.	.	PUNCT
hassl-4116	276	1	4.1.2	4.1.2	X
hassl-4116	276	2	.	.	PUNCT
hassl-4116	276	3	model	model	PROPN
hassl-4116	276	4	measurement	measurement	NOUN
hassl-4116	276	5	the	the	DET
hassl-4116	276	6	results	result	NOUN
hassl-4116	276	7	of	of	ADP
hassl-4116	276	8	the	the	DET
hassl-4116	276	9	outer	outer	ADJ
hassl-4116	276	10	loading	loading	NOUN
hassl-4116	276	11	analysis	analysis	NOUN
hassl-4116	276	12	to	to	PART
hassl-4116	276	13	evaluate	evaluate	VERB
hassl-4116	276	14	the	the	DET
hassl-4116	276	15	reliability	reliability	NOUN
hassl-4116	276	16	and	and	CCONJ
hassl-4116	276	17	validity	validity	NOUN
hassl-4116	276	18	of	of	ADP
hassl-4116	276	19	the	the	DET
hassl-4116	276	20	indicators	indicator	NOUN
hassl-4116	276	21	used	use	VERB
hassl-4116	276	22	to	to	PART
hassl-4116	276	23	measure	measure	VERB
hassl-4116	276	24	variables	variable	NOUN
hassl-4116	276	25	in	in	ADP
hassl-4116	276	26	the	the	DET
hassl-4116	276	27	study	study	NOUN
hassl-4116	276	28	are	be	AUX
hassl-4116	276	29	shown	show	VERB
hassl-4116	276	30	in	in	ADP
hassl-4116	276	31	table	table	NOUN
hassl-4116	276	32	2	2	NUM
hassl-4116	276	33	.	.	PUNCT
hassl-4116	276	34	according	accord	VERB
hassl-4116	276	35	to	to	ADP
hassl-4116	276	36	table	table	NOUN
hassl-4116	276	37	2	2	NUM
hassl-4116	276	38	,	,	PUNCT
hassl-4116	276	39	all	all	DET
hassl-4116	276	40	indicators	indicator	NOUN
hassl-4116	276	41	in	in	ADP
hassl-4116	276	42	the	the	DET
hassl-4116	276	43	outer	outer	ADJ
hassl-4116	276	44	model	model	NOUN
hassl-4116	276	45	have	have	VERB
hassl-4116	276	46	composite	composite	ADJ
hassl-4116	276	47	reliability	reliability	NOUN
hassl-4116	276	48	above	above	ADP
hassl-4116	276	49	0.7	0.7	NUM
hassl-4116	276	50	.	.	PUNCT
hassl-4116	277	1	these	these	DET
hassl-4116	277	2	results	result	NOUN
hassl-4116	277	3	indicate	indicate	VERB
hassl-4116	277	4	that	that	SCONJ
hassl-4116	277	5	the	the	DET
hassl-4116	277	6	reliability	reliability	NOUN
hassl-4116	277	7	of	of	ADP
hassl-4116	277	8	each	each	DET
hassl-4116	277	9	indicator	indicator	NOUN
hassl-4116	277	10	is	be	AUX
hassl-4116	277	11	adequate	adequate	ADJ
hassl-4116	277	12	for	for	ADP
hassl-4116	277	13	measuring	measure	VERB
hassl-4116	277	14	its	its	PRON
hassl-4116	277	15	respective	respective	ADJ
hassl-4116	277	16	construct	construct	NOUN
hassl-4116	277	17	.	.	PUNCT
hassl-4116	278	1	furthermore	furthermore	ADV
hassl-4116	278	2	,	,	PUNCT
hassl-4116	278	3	the	the	DET
hassl-4116	278	4	findings	finding	NOUN
hassl-4116	278	5	of	of	ADP
hassl-4116	278	6	the	the	DET
hassl-4116	278	7	average	average	ADJ
hassl-4116	278	8	variance	variance	NOUN
hassl-4116	278	9	extracted	extract	VERB
hassl-4116	278	10	(	(	PUNCT
hassl-4116	278	11	ave	ave	NOUN
hassl-4116	278	12	)	)	PUNCT
hassl-4116	278	13	within	within	ADP
hassl-4116	278	14	the	the	DET
hassl-4116	278	15	outer	outer	ADJ
hassl-4116	278	16	model	model	NOUN
hassl-4116	278	17	are	be	AUX
hassl-4116	278	18	shown	show	VERB
hassl-4116	278	19	in	in	ADP
hassl-4116	278	20	table	table	NOUN
hassl-4116	278	21	3	3	NUM
hassl-4116	278	22	.	.	PUNCT
hassl-4116	278	23	as	as	SCONJ
hassl-4116	278	24	determined	determine	VERB
hassl-4116	278	25	by	by	ADP
hassl-4116	278	26	the	the	DET
hassl-4116	278	27	average	average	ADJ
hassl-4116	278	28	variance	variance	NOUN
hassl-4116	278	29	extracted	extract	VERB
hassl-4116	278	30	(	(	PUNCT
hassl-4116	278	31	ave	ave	PROPN
hassl-4116	278	32	)	)	PUNCT
hassl-4116	278	33	for	for	ADP
hassl-4116	278	34	each	each	DET
hassl-4116	278	35	construct	construct	NOUN
hassl-4116	278	36	presented	present	VERB
hassl-4116	278	37	,	,	PUNCT
hassl-4116	278	38	the	the	DET
hassl-4116	278	39	findings	finding	NOUN
hassl-4116	278	40	from	from	ADP
hassl-4116	278	41	the	the	DET
hassl-4116	278	42	validity	validity	NOUN
hassl-4116	278	43	assessment	assessment	NOUN
hassl-4116	278	44	demonstrate	demonstrate	VERB
hassl-4116	278	45	that	that	SCONJ
hassl-4116	278	46	each	each	PRON
hassl-4116	278	47	construct	construct	VERB
hassl-4116	278	48	accounts	account	NOUN
hassl-4116	278	49	for	for	ADP
hassl-4116	278	50	over	over	ADP
hassl-4116	278	51	50	50	NUM
hassl-4116	278	52	%	%	NOUN
hassl-4116	278	53	of	of	ADP
hassl-4116	278	54	the	the	DET
hassl-4116	278	55	variance	variance	NOUN
hassl-4116	278	56	in	in	ADP
hassl-4116	278	57	its	its	PRON
hassl-4116	278	58	respective	respective	ADJ
hassl-4116	278	59	indicators	indicator	NOUN
hassl-4116	278	60	.	.	PUNCT
hassl-4116	279	1	the	the	DET
hassl-4116	279	2	average	average	ADJ
hassl-4116	279	3	variance	variance	NOUN
hassl-4116	279	4	extracted	extract	VERB
hassl-4116	279	5	(	(	PUNCT
hassl-4116	279	6	ave	ave	NOUN
hassl-4116	279	7	)	)	PUNCT
hassl-4116	279	8	value	value	NOUN
hassl-4116	279	9	for	for	ADP
hassl-4116	279	10	each	each	DET
hassl-4116	279	11	construct	construct	NOUN
hassl-4116	279	12	exceeds	exceed	NOUN
hassl-4116	279	13	0.5	0.5	NUM
hassl-4116	279	14	.	.	PUNCT
hassl-4116	280	1	these	these	DET
hassl-4116	280	2	results	result	NOUN
hassl-4116	280	3	indicate	indicate	VERB
hassl-4116	280	4	that	that	SCONJ
hassl-4116	280	5	each	each	DET
hassl-4116	280	6	indicator	indicator	NOUN
hassl-4116	280	7	is	be	AUX
hassl-4116	280	8	valid	valid	ADJ
hassl-4116	280	9	.	.	PUNCT
hassl-4116	281	1	table	table	NOUN
hassl-4116	281	2	3	3	NUM
hassl-4116	281	3	.	.	PUNCT
hassl-4116	282	1	results	result	NOUN
hassl-4116	282	2	of	of	ADP
hassl-4116	282	3	the	the	DET
hassl-4116	282	4	average	average	ADJ
hassl-4116	282	5	variance	variance	NOUN
hassl-4116	282	6	extracted	extract	VERB
hassl-4116	282	7	(	(	PUNCT
hassl-4116	282	8	ave	ave	NOUN
hassl-4116	282	9	)	)	PUNCT
hassl-4116	282	10	in	in	ADP
hassl-4116	282	11	the	the	DET
hassl-4116	282	12	outer	outer	ADJ
hassl-4116	282	13	model	model	NOUN
hassl-4116	282	14	.	.	PUNCT
hassl-4116	283	1	variables	variable	NOUN
hassl-4116	283	2	dimensions	dimension	NOUN
hassl-4116	283	3	ave	ave	PROPN
hassl-4116	283	4	conclusion	conclusion	NOUN
hassl-4116	283	5	perceived	perceive	VERB
hassl-4116	283	6	benefit	benefit	NOUN
hassl-4116	283	7	(	(	PUNCT
hassl-4116	283	8	pb	pb	NOUN
hassl-4116	283	9	)	)	PUNCT
hassl-4116	283	10	economic	economic	ADJ
hassl-4116	283	11	benefit	benefit	NOUN
hassl-4116	283	12	0.644	0.644	NUM
hassl-4116	283	13	valid	valid	ADJ
hassl-4116	283	14	convenience	convenience	NOUN
hassl-4116	283	15	0.732	0.732	NUM
hassl-4116	283	16	valid	valid	ADJ
hassl-4116	283	17	perceived	perceive	VERB
hassl-4116	283	18	ease	ease	NOUN
hassl-4116	283	19	of	of	ADP
hassl-4116	283	20	use	use	NOUN
hassl-4116	283	21	(	(	PUNCT
hassl-4116	283	22	peou	peou	ADV
hassl-4116	283	23	)	)	PUNCT
hassl-4116	283	24	easiness	easiness	NOUN
hassl-4116	283	25	0.699	0.699	NUM
hassl-4116	283	26	valid	valid	ADJ
hassl-4116	283	27	clear	clear	ADJ
hassl-4116	283	28	and	and	CCONJ
hassl-4116	283	29	understandable	understandable	ADJ
hassl-4116	283	30	valid	valid	ADJ
hassl-4116	283	31	easy	easy	ADJ
hassl-4116	283	32	to	to	PART
hassl-4116	283	33	learn	learn	VERB
hassl-4116	283	34	valid	valid	ADJ
hassl-4116	283	35	perceived	perceive	VERB
hassl-4116	283	36	usefulness	usefulness	NOUN
hassl-4116	283	37	(	(	PUNCT
hassl-4116	283	38	pu	pu	PROPN
hassl-4116	283	39	)	)	PUNCT
hassl-4116	283	40	can	can	AUX
hassl-4116	283	41	meet	meet	VERB
hassl-4116	283	42	the	the	DET
hassl-4116	283	43	needs	need	NOUN
hassl-4116	283	44	0.726	0.726	NUM
hassl-4116	283	45	valid	valid	ADJ
hassl-4116	283	46	being	be	AUX
hassl-4116	283	47	fast	fast	ADV
hassl-4116	283	48	valid	valid	ADJ
hassl-4116	283	49	effectiveness	effectiveness	NOUN
hassl-4116	283	50	valid	valid	ADJ
hassl-4116	283	51	useful	useful	ADJ
hassl-4116	283	52	valid	valid	ADJ
hassl-4116	283	53	perceived	perceive	VERB
hassl-4116	283	54	risk	risk	NOUN
hassl-4116	283	55	(	(	PUNCT
hassl-4116	283	56	pr	pr	NOUN
hassl-4116	283	57	)	)	PUNCT
hassl-4116	283	58	financial	financial	ADJ
hassl-4116	283	59	risk	risk	NOUN
hassl-4116	283	60	0.684	0.684	NUM
hassl-4116	283	61	valid	valid	ADJ
hassl-4116	283	62	performance	performance	NOUN
hassl-4116	283	63	risk	risk	NOUN
hassl-4116	283	64	0.842	0.842	NUM
hassl-4116	283	65	valid	valid	ADJ
hassl-4116	283	66	security	security	NOUN
hassl-4116	283	67	risk	risk	NOUN
hassl-4116	283	68	0.790	0.790	NUM
hassl-4116	283	69	valid	valid	ADJ
hassl-4116	283	70	fintech	fintech	NOUN
hassl-4116	283	71	usage	usage	NOUN
hassl-4116	283	72	adoption	adoption	NOUN
hassl-4116	283	73	(	(	PUNCT
hassl-4116	283	74	fua	fua	NOUN
hassl-4116	283	75	)	)	PUNCT
hassl-4116	283	76	experience	experience	VERB
hassl-4116	283	77	0.859	0.859	NUM
hassl-4116	283	78	valid	valid	ADJ
hassl-4116	283	79	fintech	fintech	NOUN
hassl-4116	283	80	usage	usage	NOUN
hassl-4116	283	81	continuity	continuity	NOUN
hassl-4116	283	82	(	(	PUNCT
hassl-4116	283	83	fuc	fuc	ADJ
hassl-4116	283	84	)	)	PUNCT
hassl-4116	283	85	intention	intention	NOUN
hassl-4116	283	86	to	to	PART
hassl-4116	283	87	adopt	adopt	VERB
hassl-4116	283	88	0.754	0.754	NUM
hassl-4116	283	89	valid	valid	ADJ
hassl-4116	283	90	will	will	AUX
hassl-4116	283	91	adopt	adopt	VERB
hassl-4116	283	92	valid	valid	ADJ
hassl-4116	283	93	will	will	AUX
hassl-4116	283	94	recommend	recommend	VERB
hassl-4116	283	95	valid	valid	ADJ
hassl-4116	283	96	the	the	DET
hassl-4116	283	97	results	result	NOUN
hassl-4116	283	98	of	of	ADP
hassl-4116	283	99	the	the	DET
hassl-4116	283	100	heterotrait	heterotrait	NOUN
hassl-4116	283	101	-	-	PUNCT
hassl-4116	283	102	monotrait	monotrait	NOUN
hassl-4116	283	103	(	(	PUNCT
hassl-4116	283	104	htmt	htmt	PROPN
hassl-4116	283	105	)	)	PUNCT
hassl-4116	283	106	ratio	ratio	NOUN
hassl-4116	283	107	are	be	AUX
hassl-4116	283	108	shown	show	VERB
hassl-4116	283	109	in	in	ADP
hassl-4116	283	110	table	table	NOUN
hassl-4116	283	111	4	4	NUM
hassl-4116	283	112	.	.	PUNCT
hassl-4116	283	113	according	accord	VERB
hassl-4116	283	114	to	to	ADP
hassl-4116	283	115	table	table	NOUN
hassl-4116	283	116	4	4	NUM
hassl-4116	283	117	,	,	PUNCT
hassl-4116	283	118	the	the	DET
hassl-4116	283	119	htmt	htmt	NOUN
hassl-4116	283	120	value	value	NOUN
hassl-4116	283	121	for	for	ADP
hassl-4116	283	122	each	each	DET
hassl-4116	283	123	variable	variable	NOUN
hassl-4116	283	124	is	be	AUX
hassl-4116	283	125	below	below	ADP
hassl-4116	283	126	0.9	0.9	NUM
hassl-4116	283	127	.	.	PUNCT
hassl-4116	284	1	this	this	PRON
hassl-4116	284	2	demonstrates	demonstrate	VERB
hassl-4116	284	3	the	the	DET
hassl-4116	284	4	discriminant	discriminant	ADJ
hassl-4116	284	5	validity	validity	NOUN
hassl-4116	284	6	of	of	ADP
hassl-4116	284	7	each	each	DET
hassl-4116	284	8	construct	construct	NOUN
hassl-4116	284	9	within	within	ADP
hassl-4116	284	10	the	the	DET
hassl-4116	284	11	scope	scope	NOUN
hassl-4116	284	12	of	of	ADP
hassl-4116	284	13	this	this	DET
hassl-4116	284	14	study	study	NOUN
hassl-4116	284	15	.	.	PUNCT
hassl-4116	285	1	in	in	ADP
hassl-4116	285	2	other	other	ADJ
hassl-4116	285	3	words	word	NOUN
hassl-4116	285	4	,	,	PUNCT
hassl-4116	285	5	there	there	PRON
hassl-4116	285	6	is	be	VERB
hassl-4116	285	7	a	a	DET
hassl-4116	285	8	significant	significant	ADJ
hassl-4116	285	9	level	level	NOUN
hassl-4116	285	10	of	of	ADP
hassl-4116	285	11	difference	difference	NOUN
hassl-4116	285	12	between	between	ADP
hassl-4116	285	13	the	the	DET
hassl-4116	285	14	constructs	construct	NOUN
hassl-4116	285	15	being	be	AUX
hassl-4116	285	16	studied	study	VERB
hassl-4116	285	17	.	.	PUNCT
hassl-4116	286	1	table	table	NOUN
hassl-4116	286	2	4	4	NUM
hassl-4116	286	3	.	.	PUNCT
hassl-4116	286	4	results	result	NOUN
hassl-4116	286	5	of	of	ADP
hassl-4116	286	6	the	the	DET
hassl-4116	286	7	heterotrait	heterotrait	ADJ
hassl-4116	286	8	-	-	PUNCT
hassl-4116	286	9	monotrait	monotrait	NOUN
hassl-4116	286	10	ratio	ratio	NOUN
hassl-4116	286	11	(	(	PUNCT
hassl-4116	286	12	htmt	htmt	PROPN
hassl-4116	286	13	)	)	PUNCT
hassl-4116	286	14	for	for	ADP
hassl-4116	286	15	the	the	DET
hassl-4116	286	16	outer	outer	ADJ
hassl-4116	286	17	model	model	NOUN
hassl-4116	286	18	.	.	PUNCT
hassl-4116	287	1	fua	fua	PROPN
hassl-4116	287	2	fuc	fuc	VERB
hassl-4116	287	3	pb	pb	ADP
hassl-4116	287	4	peou	peou	ADV
hassl-4116	287	5	pr	pr	X
hassl-4116	287	6	pu	pu	PROPN
hassl-4116	287	7	fua	fua	PROPN
hassl-4116	287	8	fuc	fuc	VERB
hassl-4116	287	9	0.790	0.790	NUM
hassl-4116	287	10	pb	pb	ADP
hassl-4116	287	11	0.612	0.612	NUM
hassl-4116	287	12	0.607	0.607	NUM
hassl-4116	287	13	peou	peou	ADV
hassl-4116	287	14	0.527	0.527	NUM
hassl-4116	287	15	0.533	0.533	NUM
hassl-4116	287	16	0.676	0.676	NUM
hassl-4116	287	17	pr	pr	NOUN
hassl-4116	287	18	0.065	0.065	NUM
hassl-4116	287	19	0.088	0.088	NUM
hassl-4116	287	20	0.145	0.145	NUM
hassl-4116	287	21	0.085	0.085	NUM
hassl-4116	287	22	pu	pu	PROPN
hassl-4116	287	23	0.754	0.754	NUM
hassl-4116	287	24	0.754	0.754	NUM
hassl-4116	287	25	0.705	0.705	NUM
hassl-4116	287	26	0.647	0.647	NUM
hassl-4116	287	27	0.056	0.056	NUM
hassl-4116	287	28	the	the	DET
hassl-4116	287	29	results	result	NOUN
hassl-4116	287	30	of	of	ADP
hassl-4116	287	31	hypothesis	hypothesis	NOUN
hassl-4116	287	32	testing	testing	NOUN
hassl-4116	287	33	are	be	AUX
hassl-4116	287	34	given	give	VERB
hassl-4116	287	35	in	in	ADP
hassl-4116	287	36	table	table	NOUN
hassl-4116	287	37	5	5	NUM
hassl-4116	287	38	.	.	PUNCT
hassl-4116	288	1	according	accord	VERB
hassl-4116	288	2	to	to	ADP
hassl-4116	288	3	table	table	NOUN
hassl-4116	288	4	5	5	NUM
hassl-4116	288	5	,	,	PUNCT
hassl-4116	288	6	out	out	ADP
hassl-4116	288	7	of	of	ADP
hassl-4116	288	8	the	the	DET
hassl-4116	288	9	13	13	NUM
hassl-4116	288	10	hypotheses	hypothesis	NOUN
hassl-4116	288	11	,	,	PUNCT
hassl-4116	288	12	seven	seven	NUM
hassl-4116	288	13	hypotheses	hypothesis	NOUN
hassl-4116	288	14	are	be	AUX
hassl-4116	288	15	supported	support	VERB
hassl-4116	288	16	while	while	SCONJ
hassl-4116	288	17	six	six	NUM
hassl-4116	288	18	are	be	AUX
hassl-4116	288	19	not	not	PART
hassl-4116	288	20	.	.	PUNCT
hassl-4116	289	1	this	this	DET
hassl-4116	289	2	conclusion	conclusion	NOUN
hassl-4116	289	3	is	be	AUX
hassl-4116	289	4	derived	derive	VERB
hassl-4116	289	5	from	from	ADP
hassl-4116	289	6	assessing	assess	VERB
hassl-4116	289	7	the	the	DET
hassl-4116	289	8	path	path	NOUN
hassl-4116	289	9	coefficients	coefficient	NOUN
hassl-4116	289	10	and	and	CCONJ
hassl-4116	289	11	pvalues	pvalue	NOUN
hassl-4116	289	12	or	or	CCONJ
hassl-4116	289	13	t	t	NOUN
hassl-4116	289	14	-	-	PUNCT
hassl-4116	289	15	values	value	NOUN
hassl-4116	289	16	obtained	obtain	VERB
hassl-4116	289	17	through	through	ADP
hassl-4116	289	18	the	the	DET
hassl-4116	289	19	smart	smart	ADJ
hassl-4116	289	20	pls	pls	NOUN
hassl-4116	289	21	application	application	NOUN
hassl-4116	289	22	.	.	PUNCT
hassl-4116	290	1	these	these	DET
hassl-4116	290	2	seven	seven	NUM
hassl-4116	290	3	hypotheses	hypothesis	NOUN
hassl-4116	290	4	are	be	AUX
hassl-4116	290	5	h1	h1	NOUN
hassl-4116	290	6	,	,	PUNCT
hassl-4116	290	7	h4	h4	PROPN
hassl-4116	290	8	,	,	PUNCT
hassl-4116	290	9	h5	h5	PROPN
hassl-4116	290	10	,	,	PUNCT
hassl-4116	290	11	h8	h8	PROPN
hassl-4116	290	12	,	,	PUNCT
hassl-4116	290	13	h9	h9	NOUN
hassl-4116	290	14	,	,	PUNCT
hassl-4116	290	15	h10	h10	NOUN
hassl-4116	290	16	and	and	CCONJ
hassl-4116	290	17	h13	h13	NOUN
hassl-4116	290	18	,	,	PUNCT
hassl-4116	290	19	while	while	SCONJ
hassl-4116	290	20	h2	h2	PROPN
hassl-4116	290	21	,	,	PUNCT
hassl-4116	290	22	h3	h3	NOUN
hassl-4116	290	23	,	,	PUNCT
hassl-4116	290	24	h6	h6	PROPN
hassl-4116	290	25	,	,	PUNCT
hassl-4116	290	26	h7	h7	PROPN
hassl-4116	290	27	,	,	PUNCT
hassl-4116	290	28	h11	h11	PROPN
hassl-4116	290	29	and	and	CCONJ
hassl-4116	290	30	h12	h12	NOUN
hassl-4116	290	31	do	do	AUX
hassl-4116	290	32	not	not	PART
hassl-4116	290	33	support	support	VERB
hassl-4116	290	34	the	the	DET
hassl-4116	290	35	hypothesis	hypothesis	NOUN
hassl-4116	290	36	.	.	PUNCT
hassl-4116	291	1	the	the	DET
hassl-4116	291	2	findings	finding	NOUN
hassl-4116	291	3	indicated	indicate	VERB
hassl-4116	291	4	that	that	SCONJ
hassl-4116	291	5	perceived	perceive	VERB
hassl-4116	291	6	benefit	benefit	NOUN
hassl-4116	291	7	and	and	CCONJ
hassl-4116	291	8	usefulness	usefulness	NOUN
hassl-4116	291	9	positively	positively	ADV
hassl-4116	291	10	and	and	CCONJ
hassl-4116	291	11	significantly	significantly	ADV
hassl-4116	291	12	affect	affect	VERB
hassl-4116	291	13	the	the	DET
hassl-4116	291	14	adoption	adoption	NOUN
hassl-4116	291	15	of	of	ADP
hassl-4116	291	16	fintech	fintech	NOUN
hassl-4116	291	17	usage	usage	NOUN
hassl-4116	291	18	.	.	PUNCT
hassl-4116	292	1	these	these	DET
hassl-4116	292	2	two	two	NUM
hassl-4116	292	3	factors	factor	NOUN
hassl-4116	292	4	also	also	ADV
hassl-4116	292	5	significantly	significantly	ADV
hassl-4116	292	6	affect	affect	VERB
hassl-4116	292	7	the	the	DET
hassl-4116	292	8	continuity	continuity	NOUN
hassl-4116	292	9	of	of	ADP
hassl-4116	292	10	fintech	fintech	NOUN
hassl-4116	292	11	usage	usage	NOUN
hassl-4116	292	12	.	.	PUNCT
hassl-4116	293	1	however	however	ADV
hassl-4116	293	2	,	,	PUNCT
hassl-4116	293	3	perceived	perceive	VERB
hassl-4116	293	4	ease	ease	NOUN
hassl-4116	293	5	of	of	ADP
hassl-4116	293	6	use	use	NOUN
hassl-4116	293	7	and	and	CCONJ
hassl-4116	293	8	perceived	perceive	VERB
hassl-4116	293	9	risk	risk	NOUN
hassl-4116	293	10	do	do	AUX
hassl-4116	293	11	not	not	PART
hassl-4116	293	12	significantly	significantly	ADV
hassl-4116	293	13	affect	affect	VERB
hassl-4116	293	14	the	the	DET
hassl-4116	293	15	adoption	adoption	NOUN
hassl-4116	293	16	of	of	ADP
hassl-4116	293	17	fintech	fintech	NOUN
hassl-4116	293	18	usage	usage	NOUN
hassl-4116	293	19	and	and	CCONJ
hassl-4116	293	20	the	the	DET
hassl-4116	293	21	continuity	continuity	NOUN
hassl-4116	293	22	of	of	ADP
hassl-4116	293	23	fintech	fintech	NOUN
hassl-4116	293	24	usage	usage	NOUN
hassl-4116	293	25	.	.	PUNCT
hassl-4116	294	1	humanities	humanity	NOUN
hassl-4116	294	2	and	and	CCONJ
hassl-4116	294	3	social	social	ADJ
hassl-4116	294	4	sciences	science	NOUN
hassl-4116	294	5	letters	letter	NOUN
hassl-4116	294	6	,	,	PUNCT
hassl-4116	294	7	2025	2025	NUM
hassl-4116	294	8	,	,	PUNCT
hassl-4116	294	9	13(2	13(2	NUM
hassl-4116	294	10	):	):	PUNCT
hassl-4116	294	11	409	409	NUM
hassl-4116	294	12	-	-	SYM
hassl-4116	294	13	427	427	NUM
hassl-4116	294	14	420	420	NUM
hassl-4116	294	15	©	©	ADP
hassl-4116	294	16	2025	2025	NUM
hassl-4116	294	17	conscientia	conscientia	PROPN
hassl-4116	294	18	beam	beam	PROPN
hassl-4116	294	19	.	.	PUNCT
hassl-4116	295	1	all	all	DET
hassl-4116	295	2	rights	right	NOUN
hassl-4116	295	3	reserved	reserve	VERB
hassl-4116	295	4	.	.	PUNCT
hassl-4116	296	1	further	far	ADV
hassl-4116	296	2	,	,	PUNCT
hassl-4116	296	3	fintech	fintech	NOUN
hassl-4116	296	4	usage	usage	NOUN
hassl-4116	296	5	adoption	adoption	NOUN
hassl-4116	296	6	affects	affect	VERB
hassl-4116	296	7	significantly	significantly	ADV
hassl-4116	296	8	the	the	DET
hassl-4116	296	9	continuity	continuity	NOUN
hassl-4116	296	10	of	of	ADP
hassl-4116	296	11	fintech	fintech	NOUN
hassl-4116	296	12	usage	usage	NOUN
hassl-4116	296	13	.	.	PUNCT
hassl-4116	297	1	the	the	DET
hassl-4116	297	2	fintech	fintech	NOUN
hassl-4116	297	3	usage	usage	NOUN
hassl-4116	297	4	adoption	adoption	NOUN
hassl-4116	297	5	also	also	ADV
hassl-4116	297	6	mediates	mediate	VERB
hassl-4116	297	7	the	the	DET
hassl-4116	297	8	effects	effect	NOUN
hassl-4116	297	9	of	of	ADP
hassl-4116	297	10	perceived	perceive	VERB
hassl-4116	297	11	benefit	benefit	NOUN
hassl-4116	297	12	and	and	CCONJ
hassl-4116	297	13	perceived	perceive	VERB
hassl-4116	297	14	usefulness	usefulness	NOUN
hassl-4116	297	15	on	on	ADP
hassl-4116	297	16	fintech	fintech	NOUN
hassl-4116	297	17	usage	usage	NOUN
hassl-4116	297	18	continuity	continuity	NOUN
hassl-4116	297	19	.	.	PUNCT
hassl-4116	298	1	however	however	ADV
hassl-4116	298	2	,	,	PUNCT
hassl-4116	298	3	fintech	fintech	NOUN
hassl-4116	298	4	usage	usage	NOUN
hassl-4116	298	5	adoption	adoption	NOUN
hassl-4116	298	6	does	do	AUX
hassl-4116	298	7	not	not	PART
hassl-4116	298	8	mediate	mediate	VERB
hassl-4116	298	9	the	the	DET
hassl-4116	298	10	effect	effect	NOUN
hassl-4116	298	11	of	of	ADP
hassl-4116	298	12	perceived	perceive	VERB
hassl-4116	298	13	ease	ease	NOUN
hassl-4116	298	14	of	of	ADP
hassl-4116	298	15	use	use	NOUN
hassl-4116	298	16	and	and	CCONJ
hassl-4116	298	17	perceived	perceive	VERB
hassl-4116	298	18	risk	risk	NOUN
hassl-4116	298	19	on	on	ADP
hassl-4116	298	20	the	the	DET
hassl-4116	298	21	continuity	continuity	NOUN
hassl-4116	298	22	of	of	ADP
hassl-4116	298	23	fintech	fintech	NOUN
hassl-4116	298	24	usage	usage	NOUN
hassl-4116	298	25	(	(	PUNCT
hassl-4116	298	26	see	see	VERB
hassl-4116	298	27	table	table	NOUN
hassl-4116	298	28	5	5	NUM
hassl-4116	298	29	)	)	PUNCT
hassl-4116	298	30	.	.	PUNCT
hassl-4116	299	1	table	table	NOUN
hassl-4116	299	2	5	5	NUM
hassl-4116	299	3	.	.	PUNCT
hassl-4116	300	1	the	the	DET
hassl-4116	300	2	estimated	estimate	VERB
hassl-4116	300	3	results	result	NOUN
hassl-4116	300	4	of	of	ADP
hassl-4116	300	5	path	path	NOUN
hassl-4116	300	6	coefficients	coefficient	NOUN
hassl-4116	300	7	,	,	PUNCT
hassl-4116	300	8	significance	significance	NOUN
hassl-4116	300	9	levels	level	NOUN
hassl-4116	300	10	,	,	PUNCT
hassl-4116	300	11	and	and	CCONJ
hassl-4116	300	12	the	the	DET
hassl-4116	300	13	conclusions	conclusion	NOUN
hassl-4116	300	14	of	of	ADP
hassl-4116	300	15	the	the	DET
hassl-4116	300	16	hypothesis	hypothesis	NOUN
hassl-4116	300	17	tests	test	NOUN
hassl-4116	300	18	.	.	PUNCT
hassl-4116	301	1	no	no	DET
hassl-4116	301	2	hypothesis	hypothesis	NOUN
hassl-4116	301	3	path	path	NOUN
hassl-4116	301	4	coefficients	coefficient	NOUN
hassl-4116	301	5	t	t	PROPN
hassl-4116	301	6	statistics	statistic	NOUN
hassl-4116	301	7	(	(	PUNCT
hassl-4116	301	8	|o	|o	NOUN
hassl-4116	301	9	/	/	SYM
hassl-4116	301	10	stdev	stdev	NOUN
hassl-4116	301	11	)	)	PUNCT
hassl-4116	301	12	p	p	NOUN
hassl-4116	301	13	values	value	NOUN
hassl-4116	301	14	conclusion	conclusion	NOUN
hassl-4116	301	15	h1	h1	PROPN
hassl-4116	301	16	perceived	perceive	VERB
hassl-4116	301	17	benefit	benefit	NOUN
hassl-4116	301	18	positively	positively	ADV
hassl-4116	301	19	and	and	CCONJ
hassl-4116	301	20	significantly	significantly	ADV
hassl-4116	301	21	affects	affect	VERB
hassl-4116	301	22	the	the	DET
hassl-4116	301	23	adoption	adoption	NOUN
hassl-4116	301	24	of	of	ADP
hassl-4116	301	25	fintech	fintech	NOUN
hassl-4116	301	26	usage	usage	NOUN
hassl-4116	301	27	.	.	PUNCT
hassl-4116	302	1	0.168	0.168	NUM
hassl-4116	302	2	2.846	2.846	NUM
hassl-4116	302	3	0.002	0.002	NUM
hassl-4116	302	4	supported	support	VERB
hassl-4116	302	5	h2	h2	NOUN
hassl-4116	302	6	perceived	perceive	VERB
hassl-4116	302	7	ease	ease	NOUN
hassl-4116	302	8	of	of	ADP
hassl-4116	302	9	use	use	NOUN
hassl-4116	302	10	positively	positively	ADV
hassl-4116	302	11	and	and	CCONJ
hassl-4116	302	12	significantly	significantly	ADV
hassl-4116	302	13	affects	affect	VERB
hassl-4116	302	14	the	the	DET
hassl-4116	302	15	adoption	adoption	NOUN
hassl-4116	302	16	of	of	ADP
hassl-4116	302	17	fintech	fintech	NOUN
hassl-4116	302	18	usage	usage	NOUN
hassl-4116	302	19	.	.	PUNCT
hassl-4116	303	1	0.078	0.078	NUM
hassl-4116	303	2	1.237	1.237	NUM
hassl-4116	303	3	0.108	0.108	NUM
hassl-4116	303	4	not	not	PART
hassl-4116	303	5	supported	support	VERB
hassl-4116	303	6	h3	h3	NOUN
hassl-4116	303	7	perceived	perceive	VERB
hassl-4116	303	8	risk	risk	NOUN
hassl-4116	303	9	has	have	VERB
hassl-4116	303	10	a	a	DET
hassl-4116	303	11	negative	negative	ADJ
hassl-4116	303	12	effect	effect	NOUN
hassl-4116	303	13	on	on	ADP
hassl-4116	303	14	fintech	fintech	NOUN
hassl-4116	303	15	usage	usage	NOUN
hassl-4116	303	16	adoption	adoption	NOUN
hassl-4116	303	17	.	.	PUNCT
hassl-4116	304	1	0.010	0.010	NUM
hassl-4116	304	2	0.229	0.229	NUM
hassl-4116	304	3	0.410	0.410	NUM
hassl-4116	304	4	not	not	PART
hassl-4116	304	5	supported	support	VERB
hassl-4116	304	6	h4	h4	NOUN
hassl-4116	304	7	perceived	perceive	VERB
hassl-4116	304	8	usefulness	usefulness	NOUN
hassl-4116	304	9	positively	positively	ADV
hassl-4116	304	10	and	and	CCONJ
hassl-4116	304	11	significantly	significantly	ADV
hassl-4116	304	12	influences	influence	VERB
hassl-4116	304	13	fintech	fintech	NOUN
hassl-4116	304	14	usage	usage	NOUN
hassl-4116	304	15	adoption	adoption	NOUN
hassl-4116	304	16	.	.	PUNCT
hassl-4116	305	1	0.525	0.525	NUM
hassl-4116	305	2	7.870	7.870	NUM
hassl-4116	305	3	0.000	0.000	NUM
hassl-4116	305	4	supported	support	VERB
hassl-4116	305	5	h5	h5	NOUN
hassl-4116	305	6	perceived	perceive	VERB
hassl-4116	305	7	benefit	benefit	NOUN
hassl-4116	305	8	positively	positively	ADV
hassl-4116	305	9	and	and	CCONJ
hassl-4116	305	10	significantly	significantly	ADV
hassl-4116	305	11	affects	affect	VERB
hassl-4116	305	12	fintech	fintech	NOUN
hassl-4116	305	13	usage	usage	NOUN
hassl-4116	305	14	continuity	continuity	NOUN
hassl-4116	305	15	.	.	PUNCT
hassl-4116	306	1	0.087	0.087	NUM
hassl-4116	306	2	1.803	1.803	NUM
hassl-4116	306	3	0.036	0.036	NUM
hassl-4116	306	4	supported	support	VERB
hassl-4116	306	5	h6	h6	PROPN
hassl-4116	306	6	perceived	perceive	VERB
hassl-4116	306	7	ease	ease	NOUN
hassl-4116	306	8	of	of	ADP
hassl-4116	306	9	use	use	NOUN
hassl-4116	306	10	has	have	VERB
hassl-4116	306	11	a	a	DET
hassl-4116	306	12	positive	positive	ADJ
hassl-4116	306	13	effect	effect	NOUN
hassl-4116	306	14	on	on	ADP
hassl-4116	306	15	fintech	fintech	NOUN
hassl-4116	306	16	usage	usage	NOUN
hassl-4116	306	17	continuity	continuity	NOUN
hassl-4116	306	18	.	.	PUNCT
hassl-4116	307	1	0.046	0.046	NUM
hassl-4116	307	2	0.864	0.864	NUM
hassl-4116	307	3	0.194	0.194	NUM
hassl-4116	307	4	not	not	PART
hassl-4116	307	5	supported	support	VERB
hassl-4116	307	6	h7	h7	PROPN
hassl-4116	307	7	perceived	perceive	VERB
hassl-4116	307	8	risk	risk	NOUN
hassl-4116	307	9	negatively	negatively	ADV
hassl-4116	307	10	and	and	CCONJ
hassl-4116	307	11	significantly	significantly	ADV
hassl-4116	307	12	influences	influence	VERB
hassl-4116	307	13	fintech	fintech	NOUN
hassl-4116	307	14	usage	usage	NOUN
hassl-4116	307	15	continuity	continuity	NOUN
hassl-4116	307	16	.	.	PUNCT
hassl-4116	308	1	-0.055	-0.055	NOUN
hassl-4116	308	2	1.422	1.422	NUM
hassl-4116	308	3	0.078	0.078	NUM
hassl-4116	308	4	not	not	PART
hassl-4116	308	5	supported	support	VERB
hassl-4116	308	6	h8	h8	PROPN
hassl-4116	308	7	perceived	perceive	VERB
hassl-4116	308	8	usefulness	usefulness	NOUN
hassl-4116	308	9	positively	positively	ADV
hassl-4116	308	10	and	and	CCONJ
hassl-4116	308	11	significantly	significantly	ADV
hassl-4116	308	12	influences	influence	VERB
hassl-4116	308	13	the	the	DET
hassl-4116	308	14	continuity	continuity	NOUN
hassl-4116	308	15	of	of	ADP
hassl-4116	308	16	fintech	fintech	NOUN
hassl-4116	308	17	usage	usage	NOUN
hassl-4116	308	18	.	.	PUNCT
hassl-4116	309	1	0.277	0.277	NUM
hassl-4116	309	2	4.384	4.384	NUM
hassl-4116	309	3	0.000	0.000	NUM
hassl-4116	309	4	supported	support	VERB
hassl-4116	309	5	h9	h9	NOUN
hassl-4116	309	6	fintech	fintech	NOUN
hassl-4116	309	7	usage	usage	NOUN
hassl-4116	309	8	adoption	adoption	NOUN
hassl-4116	309	9	positively	positively	ADV
hassl-4116	309	10	and	and	CCONJ
hassl-4116	309	11	significantly	significantly	ADV
hassl-4116	309	12	affects	affect	VERB
hassl-4116	309	13	fintech	fintech	NOUN
hassl-4116	309	14	usage	usage	NOUN
hassl-4116	309	15	continuity	continuity	NOUN
hassl-4116	309	16	.	.	PUNCT
hassl-4116	310	1	0.439	0.439	NUM
hassl-4116	310	2	7.833	7.833	NUM
hassl-4116	310	3	0.000	0.000	NUM
hassl-4116	310	4	supported	support	VERB
hassl-4116	310	5	h10	h10	NOUN
hassl-4116	310	6	fintech	fintech	NOUN
hassl-4116	310	7	usage	usage	NOUN
hassl-4116	310	8	adoption	adoption	NOUN
hassl-4116	310	9	mediates	mediate	VERB
hassl-4116	310	10	the	the	DET
hassl-4116	310	11	effect	effect	NOUN
hassl-4116	310	12	of	of	ADP
hassl-4116	310	13	perceived	perceive	VERB
hassl-4116	310	14	benefit	benefit	NOUN
hassl-4116	310	15	on	on	ADP
hassl-4116	310	16	fintech	fintech	NOUN
hassl-4116	310	17	usage	usage	NOUN
hassl-4116	310	18	continuity	continuity	NOUN
hassl-4116	310	19	.	.	PUNCT
hassl-4116	311	1	0.074	0.074	NUM
hassl-4116	311	2	2.762	2.762	NUM
hassl-4116	311	3	0.003	0.003	NUM
hassl-4116	311	4	supported	support	VERB
hassl-4116	311	5	h11	h11	NOUN
hassl-4116	311	6	fintech	fintech	NOUN
hassl-4116	311	7	usage	usage	NOUN
hassl-4116	311	8	adoption	adoption	NOUN
hassl-4116	311	9	mediates	mediate	VERB
hassl-4116	311	10	the	the	DET
hassl-4116	311	11	effect	effect	NOUN
hassl-4116	311	12	of	of	ADP
hassl-4116	311	13	perceived	perceive	VERB
hassl-4116	311	14	ease	ease	NOUN
hassl-4116	311	15	of	of	ADP
hassl-4116	311	16	use	use	NOUN
hassl-4116	311	17	on	on	ADP
hassl-4116	311	18	fintech	fintech	NOUN
hassl-4116	311	19	usage	usage	NOUN
hassl-4116	311	20	continuity	continuity	NOUN
hassl-4116	311	21	.	.	PUNCT
hassl-4116	312	1	0.034	0.034	NUM
hassl-4116	312	2	1.185	1.185	NUM
hassl-4116	312	3	0.118	0.118	NUM
hassl-4116	312	4	not	not	PART
hassl-4116	312	5	supported	support	VERB
hassl-4116	312	6	h12	h12	NOUN
hassl-4116	312	7	fintech	fintech	NOUN
hassl-4116	312	8	usage	usage	NOUN
hassl-4116	312	9	adoption	adoption	NOUN
hassl-4116	312	10	mediates	mediate	VERB
hassl-4116	312	11	the	the	DET
hassl-4116	312	12	effect	effect	NOUN
hassl-4116	312	13	of	of	ADP
hassl-4116	312	14	perceived	perceive	VERB
hassl-4116	312	15	risk	risk	NOUN
hassl-4116	312	16	on	on	ADP
hassl-4116	312	17	fintech	fintech	NOUN
hassl-4116	312	18	usage	usage	NOUN
hassl-4116	312	19	continuity	continuity	NOUN
hassl-4116	312	20	.	.	PUNCT
hassl-4116	313	1	0.004	0.004	NUM
hassl-4116	313	2	0.228	0.228	NUM
hassl-4116	313	3	0.410	0.410	NUM
hassl-4116	313	4	not	not	PART
hassl-4116	313	5	supported	support	VERB
hassl-4116	313	6	h13	h13	NOUN
hassl-4116	313	7	fintech	fintech	NOUN
hassl-4116	313	8	usage	usage	NOUN
hassl-4116	313	9	adoption	adoption	NOUN
hassl-4116	313	10	mediates	mediate	VERB
hassl-4116	313	11	the	the	DET
hassl-4116	313	12	effect	effect	NOUN
hassl-4116	313	13	of	of	ADP
hassl-4116	313	14	perceived	perceive	VERB
hassl-4116	313	15	usefulness	usefulness	NOUN
hassl-4116	313	16	on	on	ADP
hassl-4116	313	17	fintech	fintech	NOUN
hassl-4116	313	18	usage	usage	NOUN
hassl-4116	313	19	continuity	continuity	NOUN
hassl-4116	313	20	.	.	PUNCT
hassl-4116	314	1	0.230	0.230	NUM
hassl-4116	314	2	5.534	5.534	NUM
hassl-4116	314	3	0.000	0.000	NUM
hassl-4116	314	4	supported	support	VERB
hassl-4116	314	5	4.2	4.2	NUM
hassl-4116	314	6	.	.	PUNCT
hassl-4116	315	1	discussion	discussion	NOUN
hassl-4116	315	2	according	accord	VERB
hassl-4116	315	3	to	to	ADP
hassl-4116	315	4	table	table	NOUN
hassl-4116	315	5	5	5	NUM
hassl-4116	315	6	,	,	PUNCT
hassl-4116	315	7	out	out	ADP
hassl-4116	315	8	of	of	ADP
hassl-4116	315	9	the	the	DET
hassl-4116	315	10	13	13	NUM
hassl-4116	315	11	hypotheses	hypothesis	NOUN
hassl-4116	315	12	,	,	PUNCT
hassl-4116	315	13	seven	seven	NUM
hassl-4116	315	14	are	be	AUX
hassl-4116	315	15	supported	support	VERB
hassl-4116	315	16	while	while	SCONJ
hassl-4116	315	17	six	six	NUM
hassl-4116	315	18	are	be	AUX
hassl-4116	315	19	not	not	PART
hassl-4116	315	20	.	.	PUNCT
hassl-4116	316	1	factors	factor	NOUN
hassl-4116	316	2	that	that	PRON
hassl-4116	316	3	positively	positively	ADV
hassl-4116	316	4	and	and	CCONJ
hassl-4116	316	5	significantly	significantly	ADV
hassl-4116	316	6	affect	affect	VERB
hassl-4116	316	7	the	the	DET
hassl-4116	316	8	adoption	adoption	NOUN
hassl-4116	316	9	of	of	ADP
hassl-4116	316	10	fintech	fintech	NOUN
hassl-4116	316	11	usage	usage	NOUN
hassl-4116	316	12	are	be	AUX
hassl-4116	316	13	perceived	perceive	VERB
hassl-4116	316	14	benefit	benefit	NOUN
hassl-4116	316	15	and	and	CCONJ
hassl-4116	316	16	usefulness	usefulness	NOUN
hassl-4116	316	17	.	.	PUNCT
hassl-4116	317	1	these	these	DET
hassl-4116	317	2	two	two	NUM
hassl-4116	317	3	factors	factor	NOUN
hassl-4116	317	4	also	also	ADV
hassl-4116	317	5	positively	positively	ADV
hassl-4116	317	6	and	and	CCONJ
hassl-4116	317	7	significantly	significantly	ADV
hassl-4116	317	8	affect	affect	VERB
hassl-4116	317	9	the	the	DET
hassl-4116	317	10	continuity	continuity	NOUN
hassl-4116	317	11	of	of	ADP
hassl-4116	317	12	fintech	fintech	NOUN
hassl-4116	317	13	usage	usage	NOUN
hassl-4116	317	14	.	.	PUNCT
hassl-4116	318	1	these	these	DET
hassl-4116	318	2	findings	finding	NOUN
hassl-4116	318	3	indicate	indicate	VERB
hassl-4116	318	4	that	that	SCONJ
hassl-4116	318	5	the	the	DET
hassl-4116	318	6	present	present	ADJ
hassl-4116	318	7	fintech	fintech	NOUN
hassl-4116	318	8	services	service	NOUN
hassl-4116	318	9	under	under	ADP
hassl-4116	318	10	the	the	DET
hassl-4116	318	11	survey	survey	NOUN
hassl-4116	318	12	have	have	AUX
hassl-4116	318	13	not	not	PART
hassl-4116	318	14	only	only	ADV
hassl-4116	318	15	given	give	VERB
hassl-4116	318	16	economic	economic	ADJ
hassl-4116	318	17	benefits	benefit	NOUN
hassl-4116	318	18	(	(	PUNCT
hassl-4116	318	19	a	a	DET
hassl-4116	318	20	cheaper	cheap	ADJ
hassl-4116	318	21	price	price	NOUN
hassl-4116	318	22	,	,	PUNCT
hassl-4116	318	23	saving	save	VERB
hassl-4116	318	24	money	money	NOUN
hassl-4116	318	25	and	and	CCONJ
hassl-4116	318	26	low	low	ADJ
hassl-4116	318	27	cost	cost	NOUN
hassl-4116	318	28	in	in	ADP
hassl-4116	318	29	using	use	VERB
hassl-4116	318	30	fintech	fintech	NOUN
hassl-4116	318	31	services	service	NOUN
hassl-4116	318	32	)	)	PUNCT
hassl-4116	318	33	,	,	PUNCT
hassl-4116	318	34	seamless	seamless	ADJ
hassl-4116	318	35	transaction	transaction	NOUN
hassl-4116	318	36	,	,	PUNCT
hassl-4116	318	37	and	and	CCONJ
hassl-4116	318	38	convenience	convenience	NOUN
hassl-4116	318	39	(	(	PUNCT
hassl-4116	318	40	quick	quick	ADJ
hassl-4116	318	41	use	use	NOUN
hassl-4116	318	42	,	,	PUNCT
hassl-4116	318	43	use	use	VERB
hassl-4116	318	44	anywhere	anywhere	ADV
hassl-4116	318	45	and	and	CCONJ
hassl-4116	318	46	anytime	anytime	ADV
hassl-4116	318	47	,	,	PUNCT
hassl-4116	318	48	and	and	CCONJ
hassl-4116	318	49	easy	easy	ADJ
hassl-4116	318	50	use	use	NOUN
hassl-4116	318	51	)	)	PUNCT
hassl-4116	318	52	but	but	CCONJ
hassl-4116	318	53	also	also	ADV
hassl-4116	318	54	useful	useful	ADJ
hassl-4116	318	55	for	for	ADP
hassl-4116	318	56	fintech	fintech	NOUN
hassl-4116	318	57	users	user	NOUN
hassl-4116	318	58	’	’	PART
hassl-4116	318	59	respondents	respondent	NOUN
hassl-4116	318	60	as	as	SCONJ
hassl-4116	318	61	they	they	PRON
hassl-4116	318	62	can	can	AUX
hassl-4116	318	63	meet	meet	VERB
hassl-4116	318	64	the	the	DET
hassl-4116	318	65	needs	need	NOUN
hassl-4116	318	66	of	of	ADP
hassl-4116	318	67	users	user	NOUN
hassl-4116	318	68	,	,	PUNCT
hassl-4116	318	69	being	be	AUX
hassl-4116	318	70	fast	fast	ADJ
hassl-4116	318	71	,	,	PUNCT
hassl-4116	318	72	effectiveness	effectiveness	NOUN
hassl-4116	318	73	,	,	PUNCT
hassl-4116	318	74	and	and	CCONJ
hassl-4116	318	75	usefulness	usefulness	NOUN
hassl-4116	318	76	.	.	PUNCT
hassl-4116	319	1	this	this	DET
hassl-4116	319	2	finding	finding	NOUN
hassl-4116	319	3	supports	support	VERB
hassl-4116	319	4	studies	study	NOUN
hassl-4116	319	5	by	by	ADP
hassl-4116	319	6	alkadi	alkadi	NOUN
hassl-4116	319	7	and	and	CCONJ
hassl-4116	319	8	abed	abe	VERB
hassl-4116	319	9	(	(	PUNCT
hassl-4116	319	10	2023	2023	NUM
hassl-4116	319	11	)	)	PUNCT
hassl-4116	319	12	;	;	PUNCT
hassl-4116	319	13	razzaque	razzaque	VERB
hassl-4116	319	14	et	et	PROPN
hassl-4116	319	15	al	al	PROPN
hassl-4116	319	16	.	.	PROPN
hassl-4116	320	1	(	(	PUNCT
hassl-4116	320	2	2020	2020	NUM
hassl-4116	320	3	)	)	PUNCT
hassl-4116	320	4	;	;	PUNCT
hassl-4116	320	5	akturan	akturan	VERB
hassl-4116	320	6	and	and	CCONJ
hassl-4116	320	7	tezcan	tezcan	ADJ
hassl-4116	320	8	(	(	PUNCT
hassl-4116	320	9	2012	2012	NUM
hassl-4116	320	10	)	)	PUNCT
hassl-4116	320	11	;	;	PUNCT
hassl-4116	321	1	gao	gao	PROPN
hassl-4116	321	2	and	and	CCONJ
hassl-4116	321	3	bai	bai	PROPN
hassl-4116	321	4	(	(	PUNCT
hassl-4116	321	5	2014	2014	NUM
hassl-4116	321	6	)	)	PUNCT
hassl-4116	321	7	;	;	PUNCT
hassl-4116	321	8	hu	hu	PROPN
hassl-4116	321	9	et	et	PROPN
hassl-4116	321	10	al	al	PROPN
hassl-4116	321	11	.	.	PROPN
hassl-4116	321	12	(	(	PUNCT
hassl-4116	321	13	2019	2019	NUM
hassl-4116	321	14	)	)	PUNCT
hassl-4116	321	15	;	;	PUNCT
hassl-4116	321	16	ming	ming	PROPN
hassl-4116	321	17	and	and	CCONJ
hassl-4116	321	18	jais	jais	PROPN
hassl-4116	321	19	(	(	PUNCT
hassl-4116	321	20	2022	2022	NUM
hassl-4116	321	21	)	)	PUNCT
hassl-4116	321	22	;	;	PUNCT
hassl-4116	321	23	purwantini	purwantini	NOUN
hassl-4116	321	24	and	and	CCONJ
hassl-4116	321	25	anisa	anisa	NOUN
hassl-4116	321	26	(	(	PUNCT
hassl-4116	321	27	2021	2021	NUM
hassl-4116	321	28	)	)	PUNCT
hassl-4116	321	29	and	and	CCONJ
hassl-4116	321	30	nugraha	nugraha	NOUN
hassl-4116	321	31	et	et	PROPN
hassl-4116	321	32	al	al	PROPN
hassl-4116	321	33	.	.	PROPN
hassl-4116	321	34	(	(	PUNCT
hassl-4116	321	35	2022	2022	NUM
hassl-4116	321	36	)	)	PUNCT
hassl-4116	321	37	.	.	PUNCT
hassl-4116	322	1	humanities	humanity	NOUN
hassl-4116	322	2	and	and	CCONJ
hassl-4116	322	3	social	social	ADJ
hassl-4116	322	4	sciences	science	NOUN
hassl-4116	322	5	letters	letter	NOUN
hassl-4116	322	6	,	,	PUNCT
hassl-4116	322	7	2025	2025	NUM
hassl-4116	322	8	,	,	PUNCT
hassl-4116	322	9	13(2	13(2	NUM
hassl-4116	322	10	):	):	PUNCT
hassl-4116	322	11	409	409	NUM
hassl-4116	322	12	-	-	SYM
hassl-4116	322	13	427	427	NUM
hassl-4116	322	14	421	421	NUM
hassl-4116	322	15	©	©	ADP
hassl-4116	322	16	2025	2025	NUM
hassl-4116	322	17	conscientia	conscientia	PROPN
hassl-4116	322	18	beam	beam	PROPN
hassl-4116	322	19	.	.	PUNCT
hassl-4116	323	1	all	all	DET
hassl-4116	323	2	rights	right	NOUN
hassl-4116	323	3	reserved	reserve	VERB
hassl-4116	323	4	.	.	PUNCT
hassl-4116	324	1	the	the	DET
hassl-4116	324	2	insignificant	insignificant	ADJ
hassl-4116	324	3	effects	effect	NOUN
hassl-4116	324	4	of	of	ADP
hassl-4116	324	5	perceived	perceive	VERB
hassl-4116	324	6	ease	ease	NOUN
hassl-4116	324	7	of	of	ADP
hassl-4116	324	8	use	use	NOUN
hassl-4116	324	9	and	and	CCONJ
hassl-4116	324	10	perceived	perceive	VERB
hassl-4116	324	11	risk	risk	NOUN
hassl-4116	324	12	on	on	ADP
hassl-4116	324	13	the	the	DET
hassl-4116	324	14	adoption	adoption	NOUN
hassl-4116	324	15	of	of	ADP
hassl-4116	324	16	fintech	fintech	NOUN
hassl-4116	324	17	usage	usage	NOUN
hassl-4116	324	18	and	and	CCONJ
hassl-4116	324	19	the	the	DET
hassl-4116	324	20	continuity	continuity	NOUN
hassl-4116	324	21	of	of	ADP
hassl-4116	324	22	fintech	fintech	NOUN
hassl-4116	324	23	usage	usage	NOUN
hassl-4116	324	24	suggest	suggest	VERB
hassl-4116	324	25	at	at	ADP
hassl-4116	324	26	least	least	ADV
hassl-4116	324	27	three	three	NUM
hassl-4116	324	28	reasons	reason	NOUN
hassl-4116	324	29	.	.	PUNCT
hassl-4116	325	1	first	first	ADV
hassl-4116	325	2	,	,	PUNCT
hassl-4116	325	3	it	it	PRON
hassl-4116	325	4	may	may	AUX
hassl-4116	325	5	be	be	AUX
hassl-4116	325	6	because	because	SCONJ
hassl-4116	325	7	fintech	fintech	NOUN
hassl-4116	325	8	users	user	NOUN
hassl-4116	325	9	’	'	PUNCT
hassl-4116	325	10	respondents	respondent	NOUN
hassl-4116	325	11	ignored	ignore	VERB
hassl-4116	325	12	the	the	DET
hassl-4116	325	13	risks	risk	NOUN
hassl-4116	325	14	and	and	CCONJ
hassl-4116	325	15	the	the	DET
hassl-4116	325	16	importance	importance	NOUN
hassl-4116	325	17	of	of	ADP
hassl-4116	325	18	ease	ease	NOUN
hassl-4116	325	19	of	of	ADP
hassl-4116	325	20	use	use	NOUN
hassl-4116	325	21	of	of	ADP
hassl-4116	325	22	fintech	fintech	NOUN
hassl-4116	325	23	.	.	PUNCT
hassl-4116	326	1	second	second	ADJ
hassl-4116	326	2	,	,	PUNCT
hassl-4116	326	3	it	it	PRON
hassl-4116	326	4	may	may	AUX
hassl-4116	326	5	be	be	AUX
hassl-4116	326	6	because	because	SCONJ
hassl-4116	326	7	the	the	DET
hassl-4116	326	8	fintech	fintech	NOUN
hassl-4116	326	9	users	user	NOUN
hassl-4116	326	10	’	'	PUNCT
hassl-4116	326	11	respondents	respondent	NOUN
hassl-4116	326	12	value	value	VERB
hassl-4116	326	13	the	the	DET
hassl-4116	326	14	benefits	benefit	NOUN
hassl-4116	326	15	and	and	CCONJ
hassl-4116	326	16	usefulness	usefulness	NOUN
hassl-4116	326	17	of	of	ADP
hassl-4116	326	18	fintech	fintech	NOUN
hassl-4116	326	19	more	more	ADJ
hassl-4116	326	20	than	than	ADP
hassl-4116	326	21	the	the	DET
hassl-4116	326	22	risk	risk	NOUN
hassl-4116	326	23	and	and	CCONJ
hassl-4116	326	24	ease	ease	NOUN
hassl-4116	326	25	of	of	ADP
hassl-4116	326	26	use	use	NOUN
hassl-4116	326	27	of	of	ADP
hassl-4116	326	28	fintech	fintech	NOUN
hassl-4116	326	29	.	.	PUNCT
hassl-4116	327	1	third	third	ADJ
hassl-4116	327	2	,	,	PUNCT
hassl-4116	327	3	it	it	PRON
hassl-4116	327	4	may	may	AUX
hassl-4116	327	5	be	be	AUX
hassl-4116	327	6	due	due	ADJ
hassl-4116	327	7	to	to	ADP
hassl-4116	327	8	the	the	DET
hassl-4116	327	9	lack	lack	NOUN
hassl-4116	327	10	of	of	ADP
hassl-4116	327	11	knowledge	knowledge	NOUN
hassl-4116	327	12	related	relate	VERB
hassl-4116	327	13	to	to	ADP
hassl-4116	327	14	the	the	DET
hassl-4116	327	15	use	use	NOUN
hassl-4116	327	16	of	of	ADP
hassl-4116	327	17	fintech	fintech	NOUN
hassl-4116	327	18	services	service	NOUN
hassl-4116	327	19	.	.	PUNCT
hassl-4116	328	1	the	the	DET
hassl-4116	328	2	risk	risk	NOUN
hassl-4116	328	3	indicators	indicator	NOUN
hassl-4116	328	4	that	that	PRON
hassl-4116	328	5	are	be	AUX
hassl-4116	328	6	highlighted	highlight	VERB
hassl-4116	328	7	in	in	ADP
hassl-4116	328	8	this	this	DET
hassl-4116	328	9	context	context	NOUN
hassl-4116	328	10	include	include	VERB
hassl-4116	328	11	financial	financial	ADJ
hassl-4116	328	12	risks	risk	NOUN
hassl-4116	328	13	,	,	PUNCT
hassl-4116	328	14	performance	performance	NOUN
hassl-4116	328	15	risks	risk	NOUN
hassl-4116	328	16	,	,	PUNCT
hassl-4116	328	17	and	and	CCONJ
hassl-4116	328	18	security	security	NOUN
hassl-4116	328	19	risks	risk	NOUN
hassl-4116	328	20	.	.	PUNCT
hassl-4116	329	1	whereas	whereas	SCONJ
hassl-4116	329	2	the	the	DET
hassl-4116	329	3	ease	ease	NOUN
hassl-4116	329	4	-	-	PUNCT
hassl-4116	329	5	of	of	ADP
hassl-4116	329	6	-	-	PUNCT
hassl-4116	329	7	use	use	NOUN
hassl-4116	329	8	indicators	indicator	NOUN
hassl-4116	329	9	in	in	ADP
hassl-4116	329	10	this	this	DET
hassl-4116	329	11	study	study	NOUN
hassl-4116	329	12	context	context	NOUN
hassl-4116	329	13	include	include	VERB
hassl-4116	329	14	easiness	easiness	NOUN
hassl-4116	329	15	,	,	PUNCT
hassl-4116	329	16	clean	clean	ADJ
hassl-4116	329	17	and	and	CCONJ
hassl-4116	329	18	understandable	understandable	ADJ
hassl-4116	329	19	and	and	CCONJ
hassl-4116	329	20	easy	easy	ADJ
hassl-4116	329	21	to	to	PART
hassl-4116	329	22	learn	learn	VERB
hassl-4116	329	23	.	.	PUNCT
hassl-4116	330	1	these	these	DET
hassl-4116	330	2	findings	finding	NOUN
hassl-4116	330	3	are	be	AUX
hassl-4116	330	4	in	in	ADP
hassl-4116	330	5	contrast	contrast	NOUN
hassl-4116	330	6	to	to	ADP
hassl-4116	330	7	the	the	DET
hassl-4116	330	8	previous	previous	ADJ
hassl-4116	330	9	studies	study	NOUN
hassl-4116	330	10	conducted	conduct	VERB
hassl-4116	330	11	by	by	ADP
hassl-4116	330	12	gefen	gefen	PROPN
hassl-4116	330	13	et	et	PROPN
hassl-4116	330	14	al	al	PROPN
hassl-4116	330	15	.	.	PROPN
hassl-4116	331	1	(	(	PUNCT
hassl-4116	331	2	2003	2003	NUM
hassl-4116	331	3	)	)	PUNCT
hassl-4116	331	4	;	;	PUNCT
hassl-4116	331	5	hutapea	hutapea	PROPN
hassl-4116	331	6	and	and	CCONJ
hassl-4116	331	7	wijaya	wijaya	PROPN
hassl-4116	331	8	(	(	PUNCT
hassl-4116	331	9	2021	2021	NUM
hassl-4116	331	10	)	)	PUNCT
hassl-4116	331	11	;	;	PUNCT
hassl-4116	331	12	li	li	PROPN
hassl-4116	331	13	et	et	PROPN
hassl-4116	331	14	al	al	PROPN
hassl-4116	331	15	.	.	PROPN
hassl-4116	331	16	(	(	PUNCT
hassl-4116	331	17	2023	2023	NUM
hassl-4116	331	18	)	)	PUNCT
hassl-4116	331	19	;	;	PUNCT
hassl-4116	331	20	tang	tang	X
hassl-4116	331	21	et	et	PROPN
hassl-4116	331	22	al	al	PROPN
hassl-4116	331	23	.	.	PROPN
hassl-4116	331	24	(	(	PUNCT
hassl-4116	331	25	2020	2020	NUM
hassl-4116	331	26	)	)	PUNCT
hassl-4116	331	27	;	;	PUNCT
hassl-4116	331	28	zhang	zhang	PROPN
hassl-4116	331	29	and	and	CCONJ
hassl-4116	331	30	yu	yu	PROPN
hassl-4116	331	31	(	(	PUNCT
hassl-4116	331	32	2020	2020	NUM
hassl-4116	331	33	)	)	PUNCT
hassl-4116	331	34	;	;	PUNCT
hassl-4116	332	1	diana	diana	PROPN
hassl-4116	332	2	and	and	CCONJ
hassl-4116	332	3	leon	leon	PROPN
hassl-4116	332	4	(	(	PUNCT
hassl-4116	332	5	2020)l	2020)l	NUM
hassl-4116	332	6	forsythe	forsythe	PROPN
hassl-4116	332	7	et	et	PROPN
hassl-4116	332	8	al	al	PROPN
hassl-4116	332	9	.	.	PROPN
hassl-4116	332	10	(	(	PUNCT
hassl-4116	332	11	2006	2006	NUM
hassl-4116	332	12	)	)	PUNCT
hassl-4116	332	13	;	;	PUNCT
hassl-4116	332	14	gerlach	gerlach	PROPN
hassl-4116	332	15	and	and	CCONJ
hassl-4116	332	16	lutz	lutz	PROPN
hassl-4116	332	17	(	(	PUNCT
hassl-4116	332	18	2019	2019	NUM
hassl-4116	332	19	)	)	PUNCT
hassl-4116	332	20	;	;	PUNCT
hassl-4116	332	21	abd	abd	PROPN
hassl-4116	332	22	malik	malik	PROPN
hassl-4116	332	23	and	and	CCONJ
hassl-4116	332	24	syed	syed	ADJ
hassl-4116	332	25	annuar	annuar	NOUN
hassl-4116	332	26	(	(	PUNCT
hassl-4116	332	27	2019	2019	NUM
hassl-4116	332	28	)	)	PUNCT
hassl-4116	332	29	;	;	PUNCT
hassl-4116	332	30	mufarih	mufarih	VERB
hassl-4116	332	31	et	et	PROPN
hassl-4116	332	32	al	al	PROPN
hassl-4116	332	33	.	.	PROPN
hassl-4116	332	34	(	(	PUNCT
hassl-4116	332	35	2020	2020	NUM
hassl-4116	332	36	)	)	PUNCT
hassl-4116	332	37	;	;	PUNCT
hassl-4116	332	38	putritama	putritama	NOUN
hassl-4116	332	39	(	(	PUNCT
hassl-4116	332	40	2019	2019	NUM
hassl-4116	332	41	)	)	PUNCT
hassl-4116	332	42	and	and	CCONJ
hassl-4116	332	43	tanadi	tanadi	NOUN
hassl-4116	332	44	et	et	PROPN
hassl-4116	332	45	al	al	PROPN
hassl-4116	332	46	.	.	PROPN
hassl-4116	332	47	(	(	PUNCT
hassl-4116	332	48	2015	2015	NUM
hassl-4116	332	49	)	)	PUNCT
hassl-4116	332	50	as	as	SCONJ
hassl-4116	332	51	they	they	PRON
hassl-4116	332	52	found	find	VERB
hassl-4116	332	53	the	the	DET
hassl-4116	332	54	ease	ease	NOUN
hassl-4116	332	55	of	of	ADP
hassl-4116	332	56	using	use	VERB
hassl-4116	332	57	fintech	fintech	NOUN
hassl-4116	332	58	has	have	VERB
hassl-4116	332	59	a	a	DET
hassl-4116	332	60	significant	significant	ADJ
hassl-4116	332	61	influence	influence	NOUN
hassl-4116	332	62	on	on	ADP
hassl-4116	332	63	the	the	DET
hassl-4116	332	64	adoption	adoption	NOUN
hassl-4116	332	65	of	of	ADP
hassl-4116	332	66	fintech	fintech	NOUN
hassl-4116	332	67	usage	usage	NOUN
hassl-4116	332	68	and	and	CCONJ
hassl-4116	332	69	the	the	DET
hassl-4116	332	70	continuity	continuity	NOUN
hassl-4116	332	71	of	of	ADP
hassl-4116	332	72	fintech	fintech	NOUN
hassl-4116	332	73	usage	usage	NOUN
hassl-4116	332	74	.	.	PUNCT
hassl-4116	333	1	similarly	similarly	ADV
hassl-4116	333	2	,	,	PUNCT
hassl-4116	333	3	the	the	DET
hassl-4116	333	4	insignificant	insignificant	ADJ
hassl-4116	333	5	effect	effect	NOUN
hassl-4116	333	6	of	of	ADP
hassl-4116	333	7	perceived	perceive	VERB
hassl-4116	333	8	ease	ease	NOUN
hassl-4116	333	9	of	of	ADP
hassl-4116	333	10	use	use	NOUN
hassl-4116	333	11	on	on	ADP
hassl-4116	333	12	the	the	DET
hassl-4116	333	13	adoption	adoption	NOUN
hassl-4116	333	14	of	of	ADP
hassl-4116	333	15	fintech	fintech	NOUN
hassl-4116	333	16	services	service	NOUN
hassl-4116	333	17	and	and	CCONJ
hassl-4116	333	18	the	the	DET
hassl-4116	333	19	continuity	continuity	NOUN
hassl-4116	333	20	of	of	ADP
hassl-4116	333	21	fintech	fintech	NOUN
hassl-4116	333	22	usage	usage	NOUN
hassl-4116	333	23	does	do	AUX
hassl-4116	333	24	not	not	PART
hassl-4116	333	25	support	support	VERB
hassl-4116	333	26	the	the	DET
hassl-4116	333	27	study	study	NOUN
hassl-4116	333	28	’s	’s	PART
hassl-4116	333	29	findings	finding	NOUN
hassl-4116	333	30	done	do	VERB
hassl-4116	333	31	by	by	ADP
hassl-4116	333	32	sum	sum	NOUN
hassl-4116	333	33	chau	chau	NOUN
hassl-4116	333	34	and	and	CCONJ
hassl-4116	333	35	ngai	ngai	PROPN
hassl-4116	333	36	(	(	PUNCT
hassl-4116	333	37	2010	2010	NUM
hassl-4116	333	38	)	)	PUNCT
hassl-4116	333	39	;	;	PUNCT
hassl-4116	333	40	akturan	akturan	VERB
hassl-4116	333	41	and	and	CCONJ
hassl-4116	333	42	tezcan	tezcan	ADJ
hassl-4116	333	43	(	(	PUNCT
hassl-4116	333	44	2012	2012	NUM
hassl-4116	333	45	)	)	PUNCT
hassl-4116	333	46	and	and	CCONJ
hassl-4116	333	47	venkatesh	venkatesh	PROPN
hassl-4116	333	48	and	and	CCONJ
hassl-4116	333	49	davis	davis	PROPN
hassl-4116	333	50	(	(	PUNCT
hassl-4116	333	51	2000	2000	NUM
hassl-4116	333	52	)	)	PUNCT
hassl-4116	333	53	.	.	PUNCT
hassl-4116	334	1	furthermore	furthermore	ADV
hassl-4116	334	2	,	,	PUNCT
hassl-4116	334	3	fintech	fintech	NOUN
hassl-4116	334	4	usage	usage	NOUN
hassl-4116	334	5	adoption	adoption	NOUN
hassl-4116	334	6	significantly	significantly	ADV
hassl-4116	334	7	affects	affect	VERB
hassl-4116	334	8	the	the	DET
hassl-4116	334	9	continuity	continuity	NOUN
hassl-4116	334	10	of	of	ADP
hassl-4116	334	11	fintech	fintech	NOUN
hassl-4116	334	12	usage	usage	NOUN
hassl-4116	334	13	.	.	PUNCT
hassl-4116	335	1	the	the	DET
hassl-4116	335	2	fintech	fintech	NOUN
hassl-4116	335	3	usage	usage	NOUN
hassl-4116	335	4	adoption	adoption	NOUN
hassl-4116	335	5	also	also	ADV
hassl-4116	335	6	mediates	mediate	VERB
hassl-4116	335	7	the	the	DET
hassl-4116	335	8	effects	effect	NOUN
hassl-4116	335	9	of	of	ADP
hassl-4116	335	10	perceived	perceive	VERB
hassl-4116	335	11	benefit	benefit	NOUN
hassl-4116	335	12	and	and	CCONJ
hassl-4116	335	13	perceived	perceive	VERB
hassl-4116	335	14	usefulness	usefulness	NOUN
hassl-4116	335	15	on	on	ADP
hassl-4116	335	16	fintech	fintech	NOUN
hassl-4116	335	17	usage	usage	NOUN
hassl-4116	335	18	continuity	continuity	NOUN
hassl-4116	335	19	.	.	PUNCT
hassl-4116	336	1	these	these	DET
hassl-4116	336	2	findings	finding	NOUN
hassl-4116	336	3	are	be	AUX
hassl-4116	336	4	in	in	ADP
hassl-4116	336	5	line	line	NOUN
hassl-4116	336	6	with	with	ADP
hassl-4116	336	7	previous	previous	ADJ
hassl-4116	336	8	studies	study	NOUN
hassl-4116	336	9	conducted	conduct	VERB
hassl-4116	336	10	by	by	ADP
hassl-4116	336	11	davis	davis	PROPN
hassl-4116	336	12	(	(	PUNCT
hassl-4116	336	13	1985	1985	NUM
hassl-4116	336	14	)	)	PUNCT
hassl-4116	336	15	;	;	PUNCT
hassl-4116	336	16	davis	davis	PROPN
hassl-4116	336	17	(	(	PUNCT
hassl-4116	336	18	1989	1989	NUM
hassl-4116	336	19	)	)	PUNCT
hassl-4116	336	20	;	;	PUNCT
hassl-4116	336	21	gan	gan	PROPN
hassl-4116	336	22	and	and	CCONJ
hassl-4116	336	23	wang	wang	PROPN
hassl-4116	336	24	(	(	PUNCT
hassl-4116	336	25	2017	2017	NUM
hassl-4116	336	26	)	)	PUNCT
hassl-4116	336	27	;	;	PUNCT
hassl-4116	337	1	hasanul	hasanul	NOUN
hassl-4116	337	2	,	,	PUNCT
hassl-4116	337	3	hassan	hassan	PROPN
hassl-4116	337	4	,	,	PUNCT
hassl-4116	337	5	ahmad	ahmad	PROPN
hassl-4116	337	6	,	,	PUNCT
hassl-4116	337	7	and	and	CCONJ
hassl-4116	337	8	alam	alam	PROPN
hassl-4116	337	9	(	(	PUNCT
hassl-4116	337	10	2022	2022	NUM
hassl-4116	337	11	)	)	PUNCT
hassl-4116	337	12	;	;	PUNCT
hassl-4116	337	13	hassan	hassan	PROPN
hassl-4116	337	14	et	et	PROPN
hassl-4116	337	15	al	al	PROPN
hassl-4116	337	16	.	.	PROPN
hassl-4116	338	1	(	(	PUNCT
hassl-4116	338	2	2022	2022	NUM
hassl-4116	338	3	)	)	PUNCT
hassl-4116	338	4	;	;	PUNCT
hassl-4116	338	5	mascarenhas	mascarenhas	PROPN
hassl-4116	338	6	et	et	PROPN
hassl-4116	338	7	al	al	PROPN
hassl-4116	338	8	.	.	PROPN
hassl-4116	339	1	(	(	PUNCT
hassl-4116	339	2	2021	2021	NUM
hassl-4116	339	3	)	)	PUNCT
hassl-4116	339	4	;	;	PUNCT
hassl-4116	339	5	ryu	ryu	X
hassl-4116	339	6	(	(	PUNCT
hassl-4116	339	7	2018	2018	NUM
hassl-4116	339	8	)	)	PUNCT
hassl-4116	339	9	and	and	CCONJ
hassl-4116	339	10	sari	sari	ADJ
hassl-4116	339	11	(	(	PUNCT
hassl-4116	339	12	2022	2022	NUM
hassl-4116	339	13	)	)	PUNCT
hassl-4116	339	14	.	.	PUNCT
hassl-4116	340	1	these	these	DET
hassl-4116	340	2	findings	finding	NOUN
hassl-4116	340	3	suggest	suggest	VERB
hassl-4116	340	4	two	two	NUM
hassl-4116	340	5	things	thing	NOUN
hassl-4116	340	6	.	.	PUNCT
hassl-4116	341	1	first	first	ADV
hassl-4116	341	2	,	,	PUNCT
hassl-4116	341	3	the	the	DET
hassl-4116	341	4	continuity	continuity	NOUN
hassl-4116	341	5	of	of	ADP
hassl-4116	341	6	fintech	fintech	NOUN
hassl-4116	341	7	usage	usage	NOUN
hassl-4116	341	8	by	by	ADP
hassl-4116	341	9	users	user	NOUN
hassl-4116	341	10	’	'	PUNCT
hassl-4116	341	11	respondents	respondent	NOUN
hassl-4116	341	12	are	be	AUX
hassl-4116	341	13	influenced	influence	VERB
hassl-4116	341	14	or	or	CCONJ
hassl-4116	341	15	subject	subject	ADJ
hassl-4116	341	16	to	to	ADP
hassl-4116	341	17	frequent	frequent	ADJ
hassl-4116	341	18	use	use	NOUN
hassl-4116	341	19	,	,	PUNCT
hassl-4116	341	20	continuance	continuance	NOUN
hassl-4116	341	21	,	,	PUNCT
hassl-4116	341	22	and	and	CCONJ
hassl-4116	341	23	experience	experience	NOUN
hassl-4116	341	24	as	as	ADP
hassl-4116	341	25	indicators	indicator	NOUN
hassl-4116	341	26	of	of	ADP
hassl-4116	341	27	fintech	fintech	NOUN
hassl-4116	341	28	adoption	adoption	NOUN
hassl-4116	341	29	in	in	ADP
hassl-4116	341	30	this	this	DET
hassl-4116	341	31	study	study	NOUN
hassl-4116	341	32	.	.	PUNCT
hassl-4116	342	1	second	second	ADJ
hassl-4116	342	2	,	,	PUNCT
hassl-4116	342	3	it	it	PRON
hassl-4116	342	4	highlights	highlight	VERB
hassl-4116	342	5	the	the	DET
hassl-4116	342	6	importance	importance	NOUN
hassl-4116	342	7	of	of	ADP
hassl-4116	342	8	the	the	DET
hassl-4116	342	9	perceived	perceive	VERB
hassl-4116	342	10	benefit	benefit	NOUN
hassl-4116	342	11	and	and	CCONJ
hassl-4116	342	12	usefulness	usefulness	NOUN
hassl-4116	342	13	of	of	ADP
hassl-4116	342	14	fintech	fintech	NOUN
hassl-4116	342	15	for	for	SCONJ
hassl-4116	342	16	the	the	DET
hassl-4116	342	17	users	user	NOUN
hassl-4116	342	18	to	to	PART
hassl-4116	342	19	adopt	adopt	VERB
hassl-4116	342	20	as	as	ADV
hassl-4116	342	21	well	well	ADV
hassl-4116	342	22	as	as	ADP
hassl-4116	342	23	to	to	PART
hassl-4116	342	24	continue	continue	VERB
hassl-4116	342	25	using	use	VERB
hassl-4116	342	26	fintech	fintech	NOUN
hassl-4116	342	27	services	service	NOUN
hassl-4116	342	28	.	.	PUNCT
hassl-4116	343	1	however	however	ADV
hassl-4116	343	2	,	,	PUNCT
hassl-4116	343	3	fintech	fintech	NOUN
hassl-4116	343	4	usage	usage	NOUN
hassl-4116	343	5	adoption	adoption	NOUN
hassl-4116	343	6	does	do	AUX
hassl-4116	343	7	not	not	PART
hassl-4116	343	8	mediate	mediate	VERB
hassl-4116	343	9	the	the	DET
hassl-4116	343	10	effect	effect	NOUN
hassl-4116	343	11	of	of	ADP
hassl-4116	343	12	perceived	perceive	VERB
hassl-4116	343	13	ease	ease	NOUN
hassl-4116	343	14	of	of	ADP
hassl-4116	343	15	use	use	NOUN
hassl-4116	343	16	and	and	CCONJ
hassl-4116	343	17	perceived	perceive	VERB
hassl-4116	343	18	risk	risk	NOUN
hassl-4116	343	19	on	on	ADP
hassl-4116	343	20	the	the	DET
hassl-4116	343	21	continuity	continuity	NOUN
hassl-4116	343	22	of	of	ADP
hassl-4116	343	23	fintech	fintech	NOUN
hassl-4116	343	24	usage	usage	NOUN
hassl-4116	343	25	.	.	PUNCT
hassl-4116	344	1	as	as	SCONJ
hassl-4116	344	2	noted	note	VERB
hassl-4116	344	3	previously	previously	ADV
hassl-4116	344	4	,	,	PUNCT
hassl-4116	344	5	this	this	PRON
hassl-4116	344	6	may	may	AUX
hassl-4116	344	7	be	be	AUX
hassl-4116	344	8	because	because	SCONJ
hassl-4116	344	9	the	the	DET
hassl-4116	344	10	fintech	fintech	NOUN
hassl-4116	344	11	users	user	NOUN
hassl-4116	344	12	’	'	PUNCT
hassl-4116	344	13	respondents	respondent	NOUN
hassl-4116	344	14	value	value	VERB
hassl-4116	344	15	the	the	DET
hassl-4116	344	16	benefits	benefit	NOUN
hassl-4116	344	17	and	and	CCONJ
hassl-4116	344	18	usefulness	usefulness	NOUN
hassl-4116	344	19	of	of	ADP
hassl-4116	344	20	fintech	fintech	NOUN
hassl-4116	344	21	more	more	ADJ
hassl-4116	344	22	than	than	ADP
hassl-4116	344	23	the	the	DET
hassl-4116	344	24	risk	risk	NOUN
hassl-4116	344	25	and	and	CCONJ
hassl-4116	344	26	ease	ease	NOUN
hassl-4116	344	27	of	of	ADP
hassl-4116	344	28	use	use	NOUN
hassl-4116	344	29	of	of	ADP
hassl-4116	344	30	fintech	fintech	NOUN
hassl-4116	344	31	in	in	ADP
hassl-4116	344	32	adopting	adopt	VERB
hassl-4116	344	33	and	and	CCONJ
hassl-4116	344	34	continuing	continue	VERB
hassl-4116	344	35	fintech	fintech	NOUN
hassl-4116	344	36	usage	usage	NOUN
hassl-4116	344	37	.	.	PUNCT
hassl-4116	345	1	these	these	DET
hassl-4116	345	2	findings	finding	NOUN
hassl-4116	345	3	do	do	AUX
hassl-4116	345	4	not	not	PART
hassl-4116	345	5	support	support	VERB
hassl-4116	345	6	previous	previous	ADJ
hassl-4116	345	7	studies	study	NOUN
hassl-4116	345	8	undertaken	undertake	VERB
hassl-4116	345	9	by	by	ADP
hassl-4116	345	10	ali	ali	PROPN
hassl-4116	345	11	et	et	PROPN
hassl-4116	345	12	al	al	PROPN
hassl-4116	345	13	.	.	PROPN
hassl-4116	346	1	(	(	PUNCT
hassl-4116	346	2	2021	2021	NUM
hassl-4116	346	3	)	)	PUNCT
hassl-4116	346	4	;	;	PUNCT
hassl-4116	347	1	chan	chan	PROPN
hassl-4116	347	2	et	et	PROPN
hassl-4116	347	3	al	al	PROPN
hassl-4116	347	4	.	.	PROPN
hassl-4116	347	5	(	(	PUNCT
hassl-4116	347	6	2022	2022	NUM
hassl-4116	347	7	)	)	PUNCT
hassl-4116	347	8	;	;	PUNCT
hassl-4116	347	9	diana	diana	PROPN
hassl-4116	347	10	and	and	CCONJ
hassl-4116	347	11	leon	leon	PROPN
hassl-4116	347	12	(	(	PUNCT
hassl-4116	347	13	2020	2020	NUM
hassl-4116	347	14	)	)	PUNCT
hassl-4116	347	15	;	;	PUNCT
hassl-4116	347	16	hassan	hassan	PROPN
hassl-4116	347	17	et	et	PROPN
hassl-4116	347	18	al	al	PROPN
hassl-4116	347	19	.	.	PROPN
hassl-4116	348	1	(	(	PUNCT
hassl-4116	348	2	2022	2022	NUM
hassl-4116	348	3	)	)	PUNCT
hassl-4116	348	4	;	;	PUNCT
hassl-4116	348	5	abd	abd	PROPN
hassl-4116	348	6	malik	malik	PROPN
hassl-4116	348	7	and	and	CCONJ
hassl-4116	348	8	syed	syed	ADJ
hassl-4116	348	9	annuar	annuar	NOUN
hassl-4116	348	10	(	(	PUNCT
hassl-4116	348	11	2019	2019	NUM
hassl-4116	348	12	)	)	PUNCT
hassl-4116	348	13	and	and	CCONJ
hassl-4116	348	14	ming	ming	PROPN
hassl-4116	348	15	and	and	CCONJ
hassl-4116	348	16	jais	jais	PROPN
hassl-4116	348	17	(	(	PUNCT
hassl-4116	348	18	2022	2022	NUM
hassl-4116	348	19	)	)	PUNCT
hassl-4116	348	20	.	.	PUNCT
hassl-4116	349	1	therefore	therefore	ADV
hassl-4116	349	2	,	,	PUNCT
hassl-4116	349	3	the	the	DET
hassl-4116	349	4	perceived	perceive	VERB
hassl-4116	349	5	benefit	benefit	NOUN
hassl-4116	349	6	and	and	CCONJ
hassl-4116	349	7	usefulness	usefulness	NOUN
hassl-4116	349	8	of	of	ADP
hassl-4116	349	9	fintech	fintech	NOUN
hassl-4116	349	10	are	be	AUX
hassl-4116	349	11	the	the	DET
hassl-4116	349	12	determinant	determinant	ADJ
hassl-4116	349	13	factors	factor	NOUN
hassl-4116	349	14	leading	lead	VERB
hassl-4116	349	15	to	to	ADP
hassl-4116	349	16	the	the	DET
hassl-4116	349	17	adoption	adoption	NOUN
hassl-4116	349	18	and	and	CCONJ
hassl-4116	349	19	the	the	DET
hassl-4116	349	20	continuity	continuity	NOUN
hassl-4116	349	21	of	of	ADP
hassl-4116	349	22	fintech	fintech	NOUN
hassl-4116	349	23	usage	usage	NOUN
hassl-4116	349	24	by	by	ADP
hassl-4116	349	25	fintech	fintech	NOUN
hassl-4116	349	26	users	user	NOUN
hassl-4116	349	27	’	'	PUNCT
hassl-4116	349	28	respondents	respondent	NOUN
hassl-4116	349	29	under	under	ADP
hassl-4116	349	30	the	the	DET
hassl-4116	349	31	survey	survey	NOUN
hassl-4116	349	32	.	.	PUNCT
hassl-4116	350	1	while	while	SCONJ
hassl-4116	350	2	perceived	perceive	VERB
hassl-4116	350	3	ease	ease	NOUN
hassl-4116	350	4	of	of	ADP
hassl-4116	350	5	use	use	NOUN
hassl-4116	350	6	and	and	CCONJ
hassl-4116	350	7	perceived	perceive	VERB
hassl-4116	350	8	risks	risk	NOUN
hassl-4116	350	9	have	have	VERB
hassl-4116	350	10	no	no	DET
hassl-4116	350	11	significant	significant	ADJ
hassl-4116	350	12	effects	effect	NOUN
hassl-4116	350	13	on	on	ADP
hassl-4116	350	14	the	the	DET
hassl-4116	350	15	adoption	adoption	NOUN
hassl-4116	350	16	and	and	CCONJ
hassl-4116	350	17	the	the	DET
hassl-4116	350	18	continuity	continuity	NOUN
hassl-4116	350	19	of	of	ADP
hassl-4116	350	20	fintech	fintech	NOUN
hassl-4116	350	21	usage	usage	NOUN
hassl-4116	350	22	.	.	PUNCT
hassl-4116	351	1	the	the	DET
hassl-4116	351	2	knowledge	knowledge	NOUN
hassl-4116	351	3	contribution	contribution	NOUN
hassl-4116	351	4	and	and	CCONJ
hassl-4116	351	5	implications	implication	NOUN
hassl-4116	351	6	of	of	ADP
hassl-4116	351	7	these	these	DET
hassl-4116	351	8	findings	finding	NOUN
hassl-4116	351	9	are	be	AUX
hassl-4116	351	10	as	as	SCONJ
hassl-4116	351	11	follows	follow	VERB
hassl-4116	351	12	:	:	PUNCT
hassl-4116	351	13	first	first	ADV
hassl-4116	351	14	,	,	PUNCT
hassl-4116	351	15	the	the	DET
hassl-4116	351	16	findings	finding	NOUN
hassl-4116	351	17	contribute	contribute	VERB
hassl-4116	351	18	to	to	ADP
hassl-4116	351	19	the	the	DET
hassl-4116	351	20	knowledge	knowledge	NOUN
hassl-4116	351	21	of	of	ADP
hassl-4116	351	22	the	the	DET
hassl-4116	351	23	importance	importance	NOUN
hassl-4116	351	24	of	of	ADP
hassl-4116	351	25	the	the	DET
hassl-4116	351	26	perceived	perceive	VERB
hassl-4116	351	27	benefit	benefit	NOUN
hassl-4116	351	28	and	and	CCONJ
hassl-4116	351	29	usefulness	usefulness	NOUN
hassl-4116	351	30	of	of	ADP
hassl-4116	351	31	fintech	fintech	NOUN
hassl-4116	351	32	in	in	ADP
hassl-4116	351	33	comparison	comparison	NOUN
hassl-4116	351	34	with	with	ADP
hassl-4116	351	35	the	the	DET
hassl-4116	351	36	perceived	perceive	VERB
hassl-4116	351	37	ease	ease	NOUN
hassl-4116	351	38	of	of	ADP
hassl-4116	351	39	use	use	NOUN
hassl-4116	351	40	and	and	CCONJ
hassl-4116	351	41	perceived	perceive	VERB
hassl-4116	351	42	risks	risk	NOUN
hassl-4116	351	43	for	for	SCONJ
hassl-4116	351	44	users	user	NOUN
hassl-4116	351	45	to	to	PART
hassl-4116	351	46	adopt	adopt	VERB
hassl-4116	351	47	and	and	CCONJ
hassl-4116	351	48	continue	continue	VERB
hassl-4116	351	49	fintech	fintech	NOUN
hassl-4116	351	50	usage	usage	NOUN
hassl-4116	351	51	.	.	PUNCT
hassl-4116	352	1	second	second	ADJ
hassl-4116	352	2	,	,	PUNCT
hassl-4116	352	3	the	the	DET
hassl-4116	352	4	fintech	fintech	NOUN
hassl-4116	352	5	services	service	NOUN
hassl-4116	352	6	need	need	VERB
hassl-4116	352	7	to	to	PART
hassl-4116	352	8	give	give	VERB
hassl-4116	352	9	more	more	ADJ
hassl-4116	352	10	attention	attention	NOUN
hassl-4116	352	11	to	to	ADP
hassl-4116	352	12	adding	add	VERB
hassl-4116	352	13	more	more	ADJ
hassl-4116	352	14	benefits	benefit	NOUN
hassl-4116	352	15	and	and	CCONJ
hassl-4116	352	16	usefulness	usefulness	NOUN
hassl-4116	352	17	of	of	ADP
hassl-4116	352	18	fintech	fintech	NOUN
hassl-4116	352	19	to	to	PART
hassl-4116	352	20	encourage	encourage	VERB
hassl-4116	352	21	the	the	DET
hassl-4116	352	22	consumers	consumer	NOUN
hassl-4116	352	23	to	to	PART
hassl-4116	352	24	adopt	adopt	VERB
hassl-4116	352	25	fintech	fintech	NOUN
hassl-4116	352	26	on	on	ADP
hassl-4116	352	27	the	the	DET
hassl-4116	352	28	one	one	NUM
hassl-4116	352	29	hand	hand	NOUN
hassl-4116	352	30	,	,	PUNCT
hassl-4116	352	31	and	and	CCONJ
hassl-4116	352	32	users	user	NOUN
hassl-4116	352	33	to	to	PART
hassl-4116	352	34	sustain	sustain	VERB
hassl-4116	352	35	the	the	DET
hassl-4116	352	36	continuity	continuity	NOUN
hassl-4116	352	37	of	of	ADP
hassl-4116	352	38	fintech	fintech	NOUN
hassl-4116	352	39	usage	usage	NOUN
hassl-4116	352	40	on	on	ADP
hassl-4116	352	41	the	the	DET
hassl-4116	352	42	other	other	ADJ
hassl-4116	352	43	hand	hand	NOUN
hassl-4116	352	44	.	.	PUNCT
hassl-4116	353	1	finally	finally	ADV
hassl-4116	353	2	,	,	PUNCT
hassl-4116	353	3	the	the	DET
hassl-4116	353	4	government	government	NOUN
hassl-4116	353	5	needs	need	VERB
hassl-4116	353	6	to	to	PART
hassl-4116	353	7	continue	continue	VERB
hassl-4116	353	8	improving	improve	VERB
hassl-4116	353	9	digital	digital	ADJ
hassl-4116	353	10	literacy	literacy	NOUN
hassl-4116	353	11	and	and	CCONJ
hassl-4116	353	12	digital	digital	ADJ
hassl-4116	353	13	financial	financial	ADJ
hassl-4116	353	14	literacy	literacy	NOUN
hassl-4116	353	15	to	to	ADP
hassl-4116	353	16	aware	aware	ADJ
hassl-4116	353	17	consumers	consumer	NOUN
hassl-4116	353	18	and	and	CCONJ
hassl-4116	353	19	the	the	DET
hassl-4116	353	20	users	user	NOUN
hassl-4116	353	21	about	about	ADP
hassl-4116	353	22	the	the	DET
hassl-4116	353	23	risks	risk	NOUN
hassl-4116	353	24	and	and	CCONJ
hassl-4116	353	25	ease	ease	NOUN
hassl-4116	353	26	of	of	ADP
hassl-4116	353	27	use	use	NOUN
hassl-4116	353	28	of	of	ADP
hassl-4116	353	29	fintech	fintech	NOUN
hassl-4116	353	30	.	.	PUNCT
hassl-4116	354	1	5	5	X
hassl-4116	354	2	.	.	X
hassl-4116	354	3	conclusion	conclusion	NOUN
hassl-4116	354	4	this	this	DET
hassl-4116	354	5	study	study	NOUN
hassl-4116	354	6	aimed	aim	VERB
hassl-4116	354	7	to	to	PART
hassl-4116	354	8	investigate	investigate	VERB
hassl-4116	354	9	the	the	DET
hassl-4116	354	10	factors	factor	NOUN
hassl-4116	354	11	that	that	PRON
hassl-4116	354	12	influence	influence	VERB
hassl-4116	354	13	the	the	DET
hassl-4116	354	14	continuity	continuity	NOUN
hassl-4116	354	15	of	of	ADP
hassl-4116	354	16	financial	financial	ADJ
hassl-4116	354	17	technology	technology	NOUN
hassl-4116	354	18	(	(	PUNCT
hassl-4116	354	19	fintech	fintech	NOUN
hassl-4116	354	20	)	)	PUNCT
hassl-4116	354	21	usage	usage	NOUN
hassl-4116	354	22	by	by	ADP
hassl-4116	354	23	taking	take	VERB
hassl-4116	354	24	indonesia	indonesia	PROPN
hassl-4116	354	25	as	as	ADP
hassl-4116	354	26	a	a	DET
hassl-4116	354	27	case	case	NOUN
hassl-4116	354	28	.	.	PUNCT
hassl-4116	355	1	factors	factor	NOUN
hassl-4116	355	2	hypothesized	hypothesize	VERB
hassl-4116	355	3	to	to	PART
hassl-4116	355	4	drive	drive	VERB
hassl-4116	355	5	the	the	DET
hassl-4116	355	6	continuity	continuity	NOUN
hassl-4116	355	7	of	of	ADP
hassl-4116	355	8	fintech	fintech	NOUN
hassl-4116	355	9	usage	usage	NOUN
hassl-4116	355	10	are	be	AUX
hassl-4116	355	11	perceived	perceive	VERB
hassl-4116	355	12	benefit	benefit	NOUN
hassl-4116	355	13	,	,	PUNCT
hassl-4116	355	14	perceived	perceive	VERB
hassl-4116	355	15	risk	risk	NOUN
hassl-4116	355	16	,	,	PUNCT
hassl-4116	355	17	perceived	perceive	VERB
hassl-4116	355	18	ease	ease	NOUN
hassl-4116	355	19	of	of	ADP
hassl-4116	355	20	use	use	NOUN
hassl-4116	355	21	and	and	CCONJ
hassl-4116	355	22	perceived	perceive	VERB
hassl-4116	355	23	usefulness	usefulness	NOUN
hassl-4116	355	24	with	with	ADP
hassl-4116	355	25	the	the	DET
hassl-4116	355	26	adoption	adoption	NOUN
hassl-4116	355	27	of	of	ADP
hassl-4116	355	28	fintech	fintech	NOUN
hassl-4116	355	29	usage	usage	NOUN
hassl-4116	355	30	as	as	ADP
hassl-4116	355	31	a	a	DET
hassl-4116	355	32	mediating	mediate	VERB
hassl-4116	355	33	variable	variable	NOUN
hassl-4116	355	34	.	.	PUNCT
hassl-4116	356	1	this	this	DET
hassl-4116	356	2	research	research	NOUN
hassl-4116	356	3	enhances	enhance	VERB
hassl-4116	356	4	knowledge	knowledge	NOUN
hassl-4116	356	5	of	of	ADP
hassl-4116	356	6	theories	theory	NOUN
hassl-4116	356	7	by	by	ADP
hassl-4116	356	8	incorporating	incorporate	VERB
hassl-4116	356	9	and	and	CCONJ
hassl-4116	356	10	expanding	expand	VERB
hassl-4116	356	11	upon	upon	SCONJ
hassl-4116	356	12	established	establish	VERB
hassl-4116	356	13	frameworks	framework	NOUN
hassl-4116	356	14	of	of	ADP
hassl-4116	356	15	the	the	DET
hassl-4116	356	16	theory	theory	NOUN
hassl-4116	356	17	of	of	ADP
hassl-4116	356	18	reasoned	reason	VERB
hassl-4116	356	19	action	action	NOUN
hassl-4116	356	20	(	(	PUNCT
hassl-4116	356	21	tra	tra	NOUN
hassl-4116	356	22	)	)	PUNCT
hassl-4116	356	23	and	and	CCONJ
hassl-4116	356	24	the	the	DET
hassl-4116	356	25	technology	technology	NOUN
hassl-4116	356	26	acceptance	acceptance	NOUN
hassl-4116	356	27	model	model	NOUN
hassl-4116	356	28	(	(	PUNCT
hassl-4116	356	29	tam	tam	PROPN
hassl-4116	356	30	)	)	PUNCT
hassl-4116	356	31	.	.	PUNCT
hassl-4116	357	1	humanities	humanity	NOUN
hassl-4116	357	2	and	and	CCONJ
hassl-4116	357	3	social	social	ADJ
hassl-4116	357	4	sciences	science	NOUN
hassl-4116	357	5	letters	letter	NOUN
hassl-4116	357	6	,	,	PUNCT
hassl-4116	357	7	2025	2025	NUM
hassl-4116	357	8	,	,	PUNCT
hassl-4116	357	9	13(2	13(2	NUM
hassl-4116	357	10	):	):	PUNCT
hassl-4116	357	11	409	409	NUM
hassl-4116	357	12	-	-	SYM
hassl-4116	357	13	427	427	NUM
hassl-4116	357	14	422	422	NUM
hassl-4116	357	15	©	©	ADP
hassl-4116	357	16	2025	2025	NUM
hassl-4116	357	17	conscientia	conscientia	PROPN
hassl-4116	357	18	beam	beam	PROPN
hassl-4116	357	19	.	.	PUNCT
hassl-4116	358	1	all	all	DET
hassl-4116	358	2	rights	right	NOUN
hassl-4116	358	3	reserved	reserve	VERB
hassl-4116	358	4	.	.	PUNCT
hassl-4116	359	1	the	the	DET
hassl-4116	359	2	findings	finding	NOUN
hassl-4116	359	3	indicated	indicate	VERB
hassl-4116	359	4	that	that	SCONJ
hassl-4116	359	5	perceived	perceive	VERB
hassl-4116	359	6	benefit	benefit	NOUN
hassl-4116	359	7	and	and	CCONJ
hassl-4116	359	8	perceived	perceive	VERB
hassl-4116	359	9	usefulness	usefulness	NOUN
hassl-4116	359	10	positively	positively	ADV
hassl-4116	359	11	and	and	CCONJ
hassl-4116	359	12	significantly	significantly	ADV
hassl-4116	359	13	affect	affect	VERB
hassl-4116	359	14	the	the	DET
hassl-4116	359	15	adoption	adoption	NOUN
hassl-4116	359	16	of	of	ADP
hassl-4116	359	17	fintech	fintech	NOUN
hassl-4116	359	18	usage	usage	NOUN
hassl-4116	359	19	.	.	PUNCT
hassl-4116	360	1	these	these	DET
hassl-4116	360	2	two	two	NUM
hassl-4116	360	3	factors	factor	NOUN
hassl-4116	360	4	also	also	ADV
hassl-4116	360	5	affect	affect	VERB
hassl-4116	360	6	the	the	DET
hassl-4116	360	7	continuity	continuity	NOUN
hassl-4116	360	8	of	of	ADP
hassl-4116	360	9	fintech	fintech	NOUN
hassl-4116	360	10	usage	usage	NOUN
hassl-4116	360	11	.	.	PUNCT
hassl-4116	361	1	however	however	ADV
hassl-4116	361	2	,	,	PUNCT
hassl-4116	361	3	perceived	perceive	VERB
hassl-4116	361	4	ease	ease	NOUN
hassl-4116	361	5	of	of	ADP
hassl-4116	361	6	use	use	NOUN
hassl-4116	361	7	and	and	CCONJ
hassl-4116	361	8	perceived	perceive	VERB
hassl-4116	361	9	risk	risk	NOUN
hassl-4116	361	10	do	do	AUX
hassl-4116	361	11	not	not	PART
hassl-4116	361	12	significantly	significantly	ADV
hassl-4116	361	13	affect	affect	VERB
hassl-4116	361	14	the	the	DET
hassl-4116	361	15	adoption	adoption	NOUN
hassl-4116	361	16	of	of	ADP
hassl-4116	361	17	fintech	fintech	NOUN
hassl-4116	361	18	usage	usage	NOUN
hassl-4116	361	19	and	and	CCONJ
hassl-4116	361	20	the	the	DET
hassl-4116	361	21	continuity	continuity	NOUN
hassl-4116	361	22	of	of	ADP
hassl-4116	361	23	fintech	fintech	NOUN
hassl-4116	361	24	usage	usage	NOUN
hassl-4116	361	25	.	.	PUNCT
hassl-4116	362	1	the	the	DET
hassl-4116	362	2	fintech	fintech	NOUN
hassl-4116	362	3	usage	usage	NOUN
hassl-4116	362	4	adoption	adoption	NOUN
hassl-4116	362	5	affects	affect	VERB
hassl-4116	362	6	significantly	significantly	ADV
hassl-4116	362	7	the	the	DET
hassl-4116	362	8	continuity	continuity	NOUN
hassl-4116	362	9	of	of	ADP
hassl-4116	362	10	fintech	fintech	NOUN
hassl-4116	362	11	usage	usage	NOUN
hassl-4116	362	12	.	.	PUNCT
hassl-4116	363	1	the	the	DET
hassl-4116	363	2	fintech	fintech	NOUN
hassl-4116	363	3	usage	usage	NOUN
hassl-4116	363	4	adoption	adoption	NOUN
hassl-4116	363	5	also	also	ADV
hassl-4116	363	6	mediates	mediate	VERB
hassl-4116	363	7	the	the	DET
hassl-4116	363	8	effect	effect	NOUN
hassl-4116	363	9	of	of	ADP
hassl-4116	363	10	perceived	perceive	VERB
hassl-4116	363	11	benefit	benefit	NOUN
hassl-4116	363	12	and	and	CCONJ
hassl-4116	363	13	perceived	perceive	VERB
hassl-4116	363	14	usefulness	usefulness	NOUN
hassl-4116	363	15	on	on	ADP
hassl-4116	363	16	fintech	fintech	NOUN
hassl-4116	363	17	usage	usage	NOUN
hassl-4116	363	18	continuity	continuity	NOUN
hassl-4116	363	19	.	.	PUNCT
hassl-4116	364	1	however	however	ADV
hassl-4116	364	2	,	,	PUNCT
hassl-4116	364	3	the	the	DET
hassl-4116	364	4	fintech	fintech	NOUN
hassl-4116	364	5	usage	usage	NOUN
hassl-4116	364	6	adoption	adoption	NOUN
hassl-4116	364	7	does	do	AUX
hassl-4116	364	8	not	not	PART
hassl-4116	364	9	mediate	mediate	VERB
hassl-4116	364	10	the	the	DET
hassl-4116	364	11	effect	effect	NOUN
hassl-4116	364	12	of	of	ADP
hassl-4116	364	13	perceived	perceive	VERB
hassl-4116	364	14	ease	ease	NOUN
hassl-4116	364	15	of	of	ADP
hassl-4116	364	16	use	use	NOUN
hassl-4116	364	17	and	and	CCONJ
hassl-4116	364	18	perceived	perceive	VERB
hassl-4116	364	19	risk	risk	NOUN
hassl-4116	364	20	on	on	ADP
hassl-4116	364	21	the	the	DET
hassl-4116	364	22	continuity	continuity	NOUN
hassl-4116	364	23	of	of	ADP
hassl-4116	364	24	fintech	fintech	NOUN
hassl-4116	364	25	usage	usage	NOUN
hassl-4116	364	26	.	.	PUNCT
hassl-4116	365	1	these	these	DET
hassl-4116	365	2	findings	finding	NOUN
hassl-4116	365	3	confirm	confirm	VERB
hassl-4116	365	4	the	the	DET
hassl-4116	365	5	theories	theory	NOUN
hassl-4116	365	6	of	of	ADP
hassl-4116	365	7	reasoned	reasoned	ADJ
hassl-4116	365	8	action	action	NOUN
hassl-4116	365	9	(	(	PUNCT
hassl-4116	365	10	tra	tra	NOUN
hassl-4116	365	11	)	)	PUNCT
hassl-4116	365	12	and	and	CCONJ
hassl-4116	365	13	the	the	DET
hassl-4116	365	14	technology	technology	NOUN
hassl-4116	365	15	acceptance	acceptance	NOUN
hassl-4116	365	16	model	model	NOUN
hassl-4116	365	17	(	(	PUNCT
hassl-4116	365	18	tam	tam	PROPN
hassl-4116	365	19	)	)	PUNCT
hassl-4116	365	20	but	but	CCONJ
hassl-4116	365	21	do	do	AUX
hassl-4116	365	22	not	not	PART
hassl-4116	365	23	support	support	VERB
hassl-4116	365	24	the	the	DET
hassl-4116	365	25	findings	finding	NOUN
hassl-4116	365	26	of	of	ADP
hassl-4116	365	27	the	the	DET
hassl-4116	365	28	previous	previous	ADJ
hassl-4116	365	29	studies	study	NOUN
hassl-4116	365	30	advanced	advance	VERB
hassl-4116	365	31	in	in	ADP
hassl-4116	365	32	the	the	DET
hassl-4116	365	33	literature	literature	NOUN
hassl-4116	365	34	particularly	particularly	ADV
hassl-4116	365	35	related	relate	VERB
hassl-4116	365	36	to	to	ADP
hassl-4116	365	37	the	the	DET
hassl-4116	365	38	effects	effect	NOUN
hassl-4116	365	39	of	of	ADP
hassl-4116	365	40	perceived	perceive	VERB
hassl-4116	365	41	ease	ease	NOUN
hassl-4116	365	42	of	of	ADP
hassl-4116	365	43	use	use	NOUN
hassl-4116	365	44	and	and	CCONJ
hassl-4116	365	45	the	the	DET
hassl-4116	365	46	perceived	perceive	VERB
hassl-4116	365	47	risks	risk	NOUN
hassl-4116	365	48	on	on	ADP
hassl-4116	365	49	the	the	DET
hassl-4116	365	50	adoption	adoption	NOUN
hassl-4116	365	51	of	of	ADP
hassl-4116	365	52	fintech	fintech	NOUN
hassl-4116	365	53	and	and	CCONJ
hassl-4116	365	54	the	the	DET
hassl-4116	365	55	continuity	continuity	NOUN
hassl-4116	365	56	of	of	ADP
hassl-4116	365	57	fintech	fintech	NOUN
hassl-4116	365	58	usage	usage	NOUN
hassl-4116	365	59	.	.	PUNCT
hassl-4116	366	1	the	the	DET
hassl-4116	366	2	knowledge	knowledge	NOUN
hassl-4116	366	3	contribution	contribution	NOUN
hassl-4116	366	4	and	and	CCONJ
hassl-4116	366	5	policy	policy	NOUN
hassl-4116	366	6	implications	implication	NOUN
hassl-4116	366	7	of	of	ADP
hassl-4116	366	8	these	these	DET
hassl-4116	366	9	findings	finding	NOUN
hassl-4116	366	10	are	be	AUX
hassl-4116	366	11	as	as	SCONJ
hassl-4116	366	12	follows	follow	VERB
hassl-4116	366	13	:	:	PUNCT
hassl-4116	366	14	first	first	ADV
hassl-4116	366	15	,	,	PUNCT
hassl-4116	366	16	the	the	DET
hassl-4116	366	17	findings	finding	NOUN
hassl-4116	366	18	contribute	contribute	VERB
hassl-4116	366	19	to	to	ADP
hassl-4116	366	20	the	the	DET
hassl-4116	366	21	knowledge	knowledge	NOUN
hassl-4116	366	22	of	of	ADP
hassl-4116	366	23	the	the	DET
hassl-4116	366	24	importance	importance	NOUN
hassl-4116	366	25	of	of	ADP
hassl-4116	366	26	the	the	DET
hassl-4116	366	27	perceived	perceive	VERB
hassl-4116	366	28	benefit	benefit	NOUN
hassl-4116	366	29	and	and	CCONJ
hassl-4116	366	30	usefulness	usefulness	NOUN
hassl-4116	366	31	of	of	ADP
hassl-4116	366	32	fintech	fintech	NOUN
hassl-4116	366	33	in	in	ADP
hassl-4116	366	34	comparison	comparison	NOUN
hassl-4116	366	35	with	with	ADP
hassl-4116	366	36	the	the	DET
hassl-4116	366	37	perceived	perceive	VERB
hassl-4116	366	38	ease	ease	NOUN
hassl-4116	366	39	of	of	ADP
hassl-4116	366	40	use	use	NOUN
hassl-4116	366	41	and	and	CCONJ
hassl-4116	366	42	perceived	perceive	VERB
hassl-4116	366	43	risks	risk	NOUN
hassl-4116	366	44	for	for	SCONJ
hassl-4116	366	45	users	user	NOUN
hassl-4116	366	46	to	to	PART
hassl-4116	366	47	adopt	adopt	VERB
hassl-4116	366	48	and	and	CCONJ
hassl-4116	366	49	continue	continue	VERB
hassl-4116	366	50	fintech	fintech	NOUN
hassl-4116	366	51	usage	usage	NOUN
hassl-4116	366	52	.	.	PUNCT
hassl-4116	367	1	second	second	ADJ
hassl-4116	367	2	,	,	PUNCT
hassl-4116	367	3	the	the	DET
hassl-4116	367	4	fintech	fintech	NOUN
hassl-4116	367	5	services	service	NOUN
hassl-4116	367	6	need	need	VERB
hassl-4116	367	7	to	to	PART
hassl-4116	367	8	give	give	VERB
hassl-4116	367	9	more	more	ADJ
hassl-4116	367	10	attention	attention	NOUN
hassl-4116	367	11	to	to	ADP
hassl-4116	367	12	adding	add	VERB
hassl-4116	367	13	more	more	ADJ
hassl-4116	367	14	benefits	benefit	NOUN
hassl-4116	367	15	and	and	CCONJ
hassl-4116	367	16	usefulness	usefulness	NOUN
hassl-4116	367	17	of	of	ADP
hassl-4116	367	18	fintech	fintech	NOUN
hassl-4116	367	19	to	to	PART
hassl-4116	367	20	encourage	encourage	VERB
hassl-4116	367	21	the	the	DET
hassl-4116	367	22	consumers	consumer	NOUN
hassl-4116	367	23	to	to	PART
hassl-4116	367	24	adopt	adopt	VERB
hassl-4116	367	25	fintech	fintech	NOUN
hassl-4116	367	26	on	on	ADP
hassl-4116	367	27	the	the	DET
hassl-4116	367	28	one	one	NUM
hassl-4116	367	29	hand	hand	NOUN
hassl-4116	367	30	,	,	PUNCT
hassl-4116	367	31	and	and	CCONJ
hassl-4116	367	32	users	user	NOUN
hassl-4116	367	33	to	to	PART
hassl-4116	367	34	sustain	sustain	VERB
hassl-4116	367	35	the	the	DET
hassl-4116	367	36	continuity	continuity	NOUN
hassl-4116	367	37	of	of	ADP
hassl-4116	367	38	fintech	fintech	NOUN
hassl-4116	367	39	usage	usage	NOUN
hassl-4116	367	40	on	on	ADP
hassl-4116	367	41	the	the	DET
hassl-4116	367	42	other	other	ADJ
hassl-4116	367	43	hand	hand	NOUN
hassl-4116	367	44	.	.	PUNCT
hassl-4116	368	1	third	third	ADJ
hassl-4116	368	2	,	,	PUNCT
hassl-4116	368	3	the	the	DET
hassl-4116	368	4	government	government	NOUN
hassl-4116	368	5	needs	need	VERB
hassl-4116	368	6	to	to	PART
hassl-4116	368	7	continue	continue	VERB
hassl-4116	368	8	improving	improve	VERB
hassl-4116	368	9	digital	digital	ADJ
hassl-4116	368	10	literacy	literacy	NOUN
hassl-4116	368	11	and	and	CCONJ
hassl-4116	368	12	digital	digital	ADJ
hassl-4116	368	13	financial	financial	ADJ
hassl-4116	368	14	literacy	literacy	NOUN
hassl-4116	368	15	to	to	ADP
hassl-4116	368	16	aware	aware	ADJ
hassl-4116	368	17	consumers	consumer	NOUN
hassl-4116	368	18	and	and	CCONJ
hassl-4116	368	19	users	user	NOUN
hassl-4116	368	20	about	about	ADP
hassl-4116	368	21	the	the	DET
hassl-4116	368	22	risks	risk	NOUN
hassl-4116	368	23	and	and	CCONJ
hassl-4116	368	24	ease	ease	NOUN
hassl-4116	368	25	of	of	ADP
hassl-4116	368	26	use	use	NOUN
hassl-4116	368	27	of	of	ADP
hassl-4116	368	28	fintech	fintech	NOUN
hassl-4116	368	29	.	.	PUNCT
hassl-4116	369	1	however	however	ADV
hassl-4116	369	2	,	,	PUNCT
hassl-4116	369	3	this	this	DET
hassl-4116	369	4	study	study	NOUN
hassl-4116	369	5	has	have	VERB
hassl-4116	369	6	certain	certain	ADJ
hassl-4116	369	7	limitations	limitation	NOUN
hassl-4116	369	8	which	which	PRON
hassl-4116	369	9	are	be	AUX
hassl-4116	369	10	as	as	SCONJ
hassl-4116	369	11	follows	follow	VERB
hassl-4116	369	12	:	:	PUNCT
hassl-4116	369	13	first	first	ADV
hassl-4116	369	14	,	,	PUNCT
hassl-4116	369	15	this	this	DET
hassl-4116	369	16	study	study	NOUN
hassl-4116	369	17	utilized	utilize	VERB
hassl-4116	369	18	a	a	DET
hassl-4116	369	19	cross	cross	ADJ
hassl-4116	369	20	-	-	ADJ
hassl-4116	369	21	sectional	sectional	ADJ
hassl-4116	369	22	design	design	NOUN
hassl-4116	369	23	relying	rely	VERB
hassl-4116	369	24	on	on	ADP
hassl-4116	369	25	subjective	subjective	ADJ
hassl-4116	369	26	self	self	NOUN
hassl-4116	369	27	-	-	PUNCT
hassl-4116	369	28	reports	report	NOUN
hassl-4116	369	29	obtained	obtain	VERB
hassl-4116	369	30	from	from	ADP
hassl-4116	369	31	fintech	fintech	NOUN
hassl-4116	369	32	users	user	NOUN
hassl-4116	369	33	from	from	ADP
hassl-4116	369	34	six	six	NUM
hassl-4116	369	35	fintech	fintech	NOUN
hassl-4116	369	36	services	service	NOUN
hassl-4116	369	37	located	locate	VERB
hassl-4116	369	38	in	in	ADP
hassl-4116	369	39	jakarta	jakarta	PROPN
hassl-4116	369	40	.	.	PUNCT
hassl-4116	370	1	second	second	ADV
hassl-4116	370	2	,	,	PUNCT
hassl-4116	370	3	the	the	DET
hassl-4116	370	4	sampling	sampling	NOUN
hassl-4116	370	5	method	method	NOUN
hassl-4116	370	6	used	use	VERB
hassl-4116	370	7	was	be	AUX
hassl-4116	370	8	by	by	ADP
hassl-4116	370	9	employing	employ	VERB
hassl-4116	370	10	a	a	DET
hassl-4116	370	11	non	non	ADJ
hassl-4116	370	12	-	-	ADJ
hassl-4116	370	13	probability	probability	ADJ
hassl-4116	370	14	sampling	sampling	NOUN
hassl-4116	370	15	method	method	NOUN
hassl-4116	370	16	to	to	PART
hassl-4116	370	17	select	select	VERB
hassl-4116	370	18	343	343	NUM
hassl-4116	370	19	respondents	respondent	NOUN
hassl-4116	370	20	.	.	PUNCT
hassl-4116	371	1	this	this	DET
hassl-4116	371	2	sampling	sampling	NOUN
hassl-4116	371	3	method	method	NOUN
hassl-4116	371	4	can	can	AUX
hassl-4116	371	5	not	not	PART
hassl-4116	371	6	be	be	AUX
hassl-4116	371	7	generated	generate	VERB
hassl-4116	371	8	for	for	ADP
hassl-4116	371	9	the	the	DET
hassl-4116	371	10	whole	whole	NOUN
hassl-4116	371	11	of	of	ADP
hassl-4116	371	12	indonesia	indonesia	PROPN
hassl-4116	371	13	.	.	PUNCT
hassl-4116	372	1	third	third	PROPN
hassl-4116	372	2	,	,	PUNCT
hassl-4116	372	3	the	the	DET
hassl-4116	372	4	model	model	NOUN
hassl-4116	372	5	developed	develop	VERB
hassl-4116	372	6	was	be	AUX
hassl-4116	372	7	limited	limit	VERB
hassl-4116	372	8	to	to	ADP
hassl-4116	372	9	variables	variable	NOUN
hassl-4116	372	10	of	of	ADP
hassl-4116	372	11	perceived	perceive	VERB
hassl-4116	372	12	benefits	benefit	NOUN
hassl-4116	372	13	,	,	PUNCT
hassl-4116	372	14	perceived	perceive	VERB
hassl-4116	372	15	ease	ease	NOUN
hassl-4116	372	16	of	of	ADP
hassl-4116	372	17	use	use	NOUN
hassl-4116	372	18	,	,	PUNCT
hassl-4116	372	19	perceived	perceive	VERB
hassl-4116	372	20	risk	risk	NOUN
hassl-4116	372	21	,	,	PUNCT
hassl-4116	372	22	perceived	perceive	VERB
hassl-4116	372	23	usefulness	usefulness	NOUN
hassl-4116	372	24	,	,	PUNCT
hassl-4116	372	25	the	the	DET
hassl-4116	372	26	adoption	adoption	NOUN
hassl-4116	372	27	of	of	ADP
hassl-4116	372	28	fintech	fintech	NOUN
hassl-4116	372	29	,	,	PUNCT
hassl-4116	372	30	and	and	CCONJ
hassl-4116	372	31	the	the	DET
hassl-4116	372	32	continuity	continuity	NOUN
hassl-4116	372	33	of	of	ADP
hassl-4116	372	34	fintech	fintech	NOUN
hassl-4116	372	35	usage	usage	NOUN
hassl-4116	372	36	.	.	PUNCT
hassl-4116	373	1	fourth	fourth	ADJ
hassl-4116	373	2	,	,	PUNCT
hassl-4116	373	3	the	the	DET
hassl-4116	373	4	instrument	instrument	NOUN
hassl-4116	373	5	used	use	VERB
hassl-4116	373	6	to	to	PART
hassl-4116	373	7	collect	collect	VERB
hassl-4116	373	8	the	the	DET
hassl-4116	373	9	data	datum	NOUN
hassl-4116	373	10	relied	rely	VERB
hassl-4116	373	11	heavily	heavily	ADV
hassl-4116	373	12	on	on	ADP
hassl-4116	373	13	the	the	DET
hassl-4116	373	14	online	online	ADJ
hassl-4116	373	15	questionnaire	questionnaire	NOUN
hassl-4116	373	16	administered	administer	VERB
hassl-4116	373	17	on	on	ADP
hassl-4116	373	18	google	google	PROPN
hassl-4116	373	19	forms	form	NOUN
hassl-4116	373	20	which	which	PRON
hassl-4116	373	21	may	may	AUX
hassl-4116	373	22	offer	offer	VERB
hassl-4116	373	23	inaccurate	inaccurate	ADJ
hassl-4116	373	24	or	or	CCONJ
hassl-4116	373	25	strategically	strategically	ADV
hassl-4116	373	26	biased	biased	ADJ
hassl-4116	373	27	responses	response	NOUN
hassl-4116	373	28	given	give	VERB
hassl-4116	373	29	by	by	ADP
hassl-4116	373	30	the	the	DET
hassl-4116	373	31	respondents	respondent	NOUN
hassl-4116	373	32	.	.	PUNCT
hassl-4116	374	1	therefore	therefore	ADV
hassl-4116	374	2	,	,	PUNCT
hassl-4116	374	3	caveats	caveat	NOUN
hassl-4116	374	4	apply	apply	VERB
hassl-4116	374	5	to	to	PART
hassl-4116	374	6	interpret	interpret	VERB
hassl-4116	374	7	the	the	DET
hassl-4116	374	8	estimated	estimate	VERB
hassl-4116	374	9	results	result	NOUN
hassl-4116	374	10	of	of	ADP
hassl-4116	374	11	the	the	DET
hassl-4116	374	12	study	study	NOUN
hassl-4116	374	13	.	.	PUNCT
hassl-4116	375	1	funding	funding	NOUN
hassl-4116	375	2	:	:	PUNCT
hassl-4116	375	3	this	this	DET
hassl-4116	375	4	study	study	NOUN
hassl-4116	375	5	received	receive	VERB
hassl-4116	375	6	no	no	DET
hassl-4116	375	7	specific	specific	ADJ
hassl-4116	375	8	financial	financial	ADJ
hassl-4116	375	9	support	support	NOUN
hassl-4116	375	10	.	.	PUNCT
hassl-4116	376	1	institutional	institutional	ADJ
hassl-4116	376	2	review	review	PROPN
hassl-4116	376	3	board	board	NOUN
hassl-4116	376	4	statement	statement	NOUN
hassl-4116	376	5	:	:	PUNCT
hassl-4116	376	6	the	the	DET
hassl-4116	376	7	ethical	ethical	ADJ
hassl-4116	376	8	committee	committee	NOUN
hassl-4116	376	9	of	of	ADP
hassl-4116	376	10	the	the	DET
hassl-4116	376	11	faculty	faculty	NOUN
hassl-4116	376	12	of	of	ADP
hassl-4116	376	13	economics	economic	NOUN
hassl-4116	376	14	and	and	CCONJ
hassl-4116	376	15	business	business	NOUN
hassl-4116	376	16	,	,	PUNCT
hassl-4116	376	17	universitas	universita	NOUN
hassl-4116	376	18	tarumanagara	tarumanagara	PROPN
hassl-4116	376	19	,	,	PUNCT
hassl-4116	376	20	indonesia	indonesia	PROPN
hassl-4116	376	21	has	have	AUX
hassl-4116	376	22	granted	grant	VERB
hassl-4116	376	23	approval	approval	NOUN
hassl-4116	376	24	for	for	ADP
hassl-4116	376	25	this	this	DET
hassl-4116	376	26	study	study	NOUN
hassl-4116	376	27	(	(	PUNCT
hassl-4116	376	28	ref	ref	NOUN
hassl-4116	376	29	.	.	PUNCT
hassl-4116	377	1	no	no	INTJ
hassl-4116	377	2	.	.	NOUN
hassl-4116	377	3	072	072	NUM
hassl-4116	377	4	-	-	PUNCT
hassl-4116	377	5	d/127	d/127	NOUN
hassl-4116	377	6	/	/	SYM
hassl-4116	377	7	feuntar	feuntar	NOUN
hassl-4116	377	8	/	/	SYM
hassl-4116	377	9	i/2025	i/2025	PROPN
hassl-4116	377	10	)	)	PUNCT
hassl-4116	377	11	.	.	PUNCT
hassl-4116	378	1	transparency	transparency	NOUN
hassl-4116	378	2	:	:	PUNCT
hassl-4116	378	3	the	the	DET
hassl-4116	378	4	authors	author	NOUN
hassl-4116	378	5	declare	declare	VERB
hassl-4116	378	6	that	that	SCONJ
hassl-4116	378	7	the	the	DET
hassl-4116	378	8	manuscript	manuscript	NOUN
hassl-4116	378	9	is	be	AUX
hassl-4116	378	10	honest	honest	ADJ
hassl-4116	378	11	,	,	PUNCT
hassl-4116	378	12	truthful	truthful	ADJ
hassl-4116	378	13	and	and	CCONJ
hassl-4116	378	14	transparent	transparent	ADJ
hassl-4116	378	15	,	,	PUNCT
hassl-4116	378	16	that	that	SCONJ
hassl-4116	378	17	no	no	DET
hassl-4116	378	18	important	important	ADJ
hassl-4116	378	19	aspects	aspect	NOUN
hassl-4116	378	20	of	of	ADP
hassl-4116	378	21	the	the	DET
hassl-4116	378	22	study	study	NOUN
hassl-4116	378	23	have	have	AUX
hassl-4116	378	24	been	be	AUX
hassl-4116	378	25	omitted	omit	VERB
hassl-4116	378	26	and	and	CCONJ
hassl-4116	378	27	that	that	SCONJ
hassl-4116	378	28	all	all	DET
hassl-4116	378	29	deviations	deviation	NOUN
hassl-4116	378	30	from	from	ADP
hassl-4116	378	31	the	the	DET
hassl-4116	378	32	planned	plan	VERB
hassl-4116	378	33	study	study	NOUN
hassl-4116	378	34	have	have	AUX
hassl-4116	378	35	been	be	AUX
hassl-4116	378	36	made	make	VERB
hassl-4116	378	37	clear	clear	ADJ
hassl-4116	378	38	.	.	PUNCT
hassl-4116	379	1	this	this	DET
hassl-4116	379	2	study	study	NOUN
hassl-4116	379	3	followed	follow	VERB
hassl-4116	379	4	all	all	DET
hassl-4116	379	5	rules	rule	NOUN
hassl-4116	379	6	of	of	ADP
hassl-4116	379	7	writing	write	VERB
hassl-4116	379	8	ethics	ethic	NOUN
hassl-4116	379	9	.	.	PUNCT
hassl-4116	380	1	competing	compete	VERB
hassl-4116	380	2	interests	interest	NOUN
hassl-4116	380	3	:	:	PUNCT
hassl-4116	380	4	the	the	DET
hassl-4116	380	5	authors	author	NOUN
hassl-4116	380	6	declare	declare	VERB
hassl-4116	380	7	that	that	SCONJ
hassl-4116	380	8	they	they	PRON
hassl-4116	380	9	have	have	VERB
hassl-4116	380	10	no	no	DET
hassl-4116	380	11	competing	compete	VERB
hassl-4116	380	12	interests	interest	NOUN
hassl-4116	380	13	.	.	PUNCT
hassl-4116	381	1	authors	author	NOUN
hassl-4116	381	2	’	'	PUNCT
hassl-4116	381	3	contributions	contribution	NOUN
hassl-4116	381	4	:	:	PUNCT
hassl-4116	381	5	all	all	DET
hassl-4116	381	6	authors	author	NOUN
hassl-4116	381	7	contributed	contribute	VERB
hassl-4116	381	8	equally	equally	ADV
hassl-4116	381	9	to	to	ADP
hassl-4116	381	10	the	the	DET
hassl-4116	381	11	conception	conception	NOUN
hassl-4116	381	12	and	and	CCONJ
hassl-4116	381	13	design	design	NOUN
hassl-4116	381	14	of	of	ADP
hassl-4116	381	15	the	the	DET
hassl-4116	381	16	study	study	NOUN
hassl-4116	381	17	.	.	PUNCT
hassl-4116	382	1	all	all	DET
hassl-4116	382	2	authors	author	NOUN
hassl-4116	382	3	have	have	AUX
hassl-4116	382	4	read	read	VERB
hassl-4116	382	5	and	and	CCONJ
hassl-4116	382	6	agreed	agree	VERB
hassl-4116	382	7	to	to	ADP
hassl-4116	382	8	the	the	DET
hassl-4116	382	9	published	publish	VERB
hassl-4116	382	10	version	version	NOUN
hassl-4116	382	11	of	of	ADP
hassl-4116	382	12	the	the	DET
hassl-4116	382	13	manuscript	manuscript	NOUN
hassl-4116	382	14	.	.	PUNCT
hassl-4116	383	1	references	reference	NOUN
hassl-4116	383	2	abd	abd	PROPN
hassl-4116	383	3	malik	malik	PROPN
hassl-4116	383	4	,	,	PUNCT
hassl-4116	383	5	a.	a.	PROPN
hassl-4116	383	6	n.	n.	PROPN
hassl-4116	383	7	,	,	PUNCT
hassl-4116	383	8	&	&	CCONJ
hassl-4116	383	9	syed	syed	PROPN
hassl-4116	383	10	annuar	annuar	PROPN
hassl-4116	383	11	,	,	PUNCT
hassl-4116	383	12	s.	s.	PROPN
hassl-4116	383	13	n.	n.	PROPN
hassl-4116	383	14	(	(	PUNCT
hassl-4116	383	15	2019	2019	NUM
hassl-4116	383	16	)	)	PUNCT
hassl-4116	383	17	.	.	PUNCT
hassl-4116	384	1	the	the	DET
hassl-4116	384	2	effect	effect	NOUN
hassl-4116	384	3	of	of	ADP
hassl-4116	384	4	perceived	perceive	VERB
hassl-4116	384	5	usefulness	usefulness	NOUN
hassl-4116	384	6	,	,	PUNCT
hassl-4116	384	7	perceived	perceive	VERB
hassl-4116	384	8	ease	ease	NOUN
hassl-4116	384	9	of	of	ADP
hassl-4116	384	10	use	use	NOUN
hassl-4116	384	11	,	,	PUNCT
hassl-4116	384	12	trust	trust	NOUN
hassl-4116	384	13	and	and	CCONJ
hassl-4116	384	14	perceived	perceive	VERB
hassl-4116	384	15	risk	risk	NOUN
hassl-4116	384	16	toward	toward	ADP
hassl-4116	384	17	e	e	NOUN
hassl-4116	384	18	-	-	NOUN
hassl-4116	384	19	wallet	wallet	NOUN
hassl-4116	384	20	usage	usage	NOUN
hassl-4116	384	21	.	.	PUNCT
hassl-4116	385	1	insight	insight	NOUN
hassl-4116	385	2	journal	journal	PROPN
hassl-4116	385	3	,	,	PUNCT
hassl-4116	385	4	5(21	5(21	NUM
hassl-4116	385	5	)	)	PUNCT
hassl-4116	385	6	,	,	PUNCT
hassl-4116	385	7	183	183	NUM
hassl-4116	385	8	-	-	SYM
hassl-4116	385	9	191	191	NUM
hassl-4116	385	10	.	.	PUNCT
hassl-4116	386	1	ajibade	ajibade	PROPN
hassl-4116	386	2	,	,	PUNCT
hassl-4116	386	3	p.	p.	NOUN
hassl-4116	386	4	(	(	PUNCT
hassl-4116	386	5	2018	2018	NUM
hassl-4116	386	6	)	)	PUNCT
hassl-4116	386	7	.	.	PUNCT
hassl-4116	387	1	technology	technology	NOUN
hassl-4116	387	2	acceptance	acceptance	NOUN
hassl-4116	387	3	model	model	NOUN
hassl-4116	387	4	limitations	limitation	NOUN
hassl-4116	387	5	and	and	CCONJ
hassl-4116	387	6	criticisms	criticism	NOUN
hassl-4116	387	7	:	:	PUNCT
hassl-4116	387	8	exploring	explore	VERB
hassl-4116	387	9	the	the	DET
hassl-4116	387	10	practical	practical	ADJ
hassl-4116	387	11	applications	application	NOUN
hassl-4116	387	12	and	and	CCONJ
hassl-4116	387	13	use	use	NOUN
hassl-4116	387	14	in	in	ADP
hassl-4116	387	15	technology	technology	NOUN
hassl-4116	387	16	-	-	PUNCT
hassl-4116	387	17	related	relate	VERB
hassl-4116	387	18	studies	study	NOUN
hassl-4116	387	19	,	,	PUNCT
hassl-4116	387	20	mixed	mixed	ADJ
hassl-4116	387	21	-	-	PUNCT
hassl-4116	387	22	method	method	NOUN
hassl-4116	387	23	,	,	PUNCT
hassl-4116	387	24	and	and	CCONJ
hassl-4116	387	25	qualitative	qualitative	ADJ
hassl-4116	387	26	researches	research	NOUN
hassl-4116	387	27	.	.	PUNCT
hassl-4116	388	1	library	library	ADJ
hassl-4116	388	2	philosophy	philosophy	NOUN
hassl-4116	388	3	and	and	CCONJ
hassl-4116	388	4	practice	practice	NOUN
hassl-4116	388	5	,	,	PUNCT
hassl-4116	388	6	9	9	NUM
hassl-4116	388	7	.	.	X
hassl-4116	388	8	ajzen	ajzen	PROPN
hassl-4116	388	9	,	,	PUNCT
hassl-4116	388	10	i.	i.	NOUN
hassl-4116	388	11	(	(	PUNCT
hassl-4116	388	12	1985	1985	NUM
hassl-4116	388	13	)	)	PUNCT
hassl-4116	388	14	.	.	PUNCT
hassl-4116	389	1	from	from	ADP
hassl-4116	389	2	intentions	intention	NOUN
hassl-4116	389	3	to	to	ADP
hassl-4116	389	4	actions	action	NOUN
hassl-4116	389	5	:	:	PUNCT
hassl-4116	389	6	a	a	DET
hassl-4116	389	7	theory	theory	NOUN
hassl-4116	389	8	of	of	ADP
hassl-4116	389	9	planned	plan	VERB
hassl-4116	389	10	behavior	behavior	NOUN
hassl-4116	389	11	.	.	PUNCT
hassl-4116	390	1	in	in	ADP
hassl-4116	390	2	action	action	NOUN
hassl-4116	390	3	control	control	NOUN
hassl-4116	390	4	:	:	PUNCT
hassl-4116	390	5	from	from	ADP
hassl-4116	390	6	cognition	cognition	NOUN
hassl-4116	390	7	to	to	ADP
hassl-4116	390	8	behavior	behavior	VERB
hassl-4116	390	9	.	.	PUNCT
hassl-4116	391	1	in	in	ADP
hassl-4116	391	2	(	(	PUNCT
hassl-4116	391	3	pp	pp	ADJ
hassl-4116	391	4	.	.	PUNCT
hassl-4116	391	5	11	11	NUM
hassl-4116	391	6	-	-	SYM
hassl-4116	391	7	39	39	NUM
hassl-4116	391	8	)	)	PUNCT
hassl-4116	391	9	.	.	PUNCT
hassl-4116	392	1	berlin	berlin	PROPN
hassl-4116	392	2	,	,	PUNCT
hassl-4116	392	3	heidelberg	heidelberg	PROPN
hassl-4116	392	4	:	:	PUNCT
hassl-4116	392	5	springer	springer	PROPN
hassl-4116	392	6	berlin	berlin	PROPN
hassl-4116	392	7	heidelberg	heidelberg	PROPN
hassl-4116	392	8	.	.	PUNCT
hassl-4116	393	1	ajzen	ajzen	PROPN
hassl-4116	393	2	,	,	PUNCT
hassl-4116	393	3	i.	i.	NOUN
hassl-4116	393	4	,	,	PUNCT
hassl-4116	393	5	&	&	CCONJ
hassl-4116	393	6	fishbein	fishbein	PROPN
hassl-4116	393	7	,	,	PUNCT
hassl-4116	393	8	m.	m.	NOUN
hassl-4116	393	9	(	(	PUNCT
hassl-4116	393	10	1977	1977	NUM
hassl-4116	393	11	)	)	PUNCT
hassl-4116	393	12	.	.	PUNCT
hassl-4116	394	1	attitude	attitude	NOUN
hassl-4116	394	2	-	-	PUNCT
hassl-4116	394	3	behavior	behavior	NOUN
hassl-4116	394	4	relations	relation	NOUN
hassl-4116	394	5	:	:	PUNCT
hassl-4116	394	6	a	a	DET
hassl-4116	394	7	theoretical	theoretical	ADJ
hassl-4116	394	8	analysis	analysis	NOUN
hassl-4116	394	9	and	and	CCONJ
hassl-4116	394	10	review	review	NOUN
hassl-4116	394	11	of	of	ADP
hassl-4116	394	12	empirical	empirical	ADJ
hassl-4116	394	13	research	research	NOUN
hassl-4116	394	14	.	.	PUNCT
hassl-4116	395	1	psychological	psychological	ADJ
hassl-4116	395	2	bulletin	bulletin	NOUN
hassl-4116	395	3	,	,	PUNCT
hassl-4116	395	4	84(5	84(5	NUM
hassl-4116	395	5	)	)	PUNCT
hassl-4116	395	6	,	,	PUNCT
hassl-4116	395	7	888	888	NUM
hassl-4116	395	8	-	-	SYM
hassl-4116	395	9	918	918	NUM
hassl-4116	395	10	.	.	PUNCT
hassl-4116	396	1	https://doi.org/10.1037/0033-2909.84.5.888	https://doi.org/10.1037/0033-2909.84.5.888	PROPN
hassl-4116	396	2	akturan	akturan	PROPN
hassl-4116	396	3	,	,	PUNCT
hassl-4116	396	4	u.	u.	PROPN
hassl-4116	396	5	,	,	PUNCT
hassl-4116	396	6	&	&	CCONJ
hassl-4116	396	7	tezcan	tezcan	PROPN
hassl-4116	396	8	,	,	PUNCT
hassl-4116	396	9	n.	n.	PROPN
hassl-4116	396	10	(	(	PUNCT
hassl-4116	396	11	2012	2012	NUM
hassl-4116	396	12	)	)	PUNCT
hassl-4116	396	13	.	.	PUNCT
hassl-4116	397	1	mobile	mobile	ADJ
hassl-4116	397	2	banking	banking	NOUN
hassl-4116	397	3	adoption	adoption	NOUN
hassl-4116	397	4	of	of	ADP
hassl-4116	397	5	the	the	DET
hassl-4116	397	6	youth	youth	NOUN
hassl-4116	397	7	market	market	NOUN
hassl-4116	397	8	:	:	PUNCT
hassl-4116	397	9	perceptions	perception	NOUN
hassl-4116	397	10	and	and	CCONJ
hassl-4116	397	11	intentions	intention	NOUN
hassl-4116	397	12	.	.	PUNCT
hassl-4116	398	1	marketing	marketing	NOUN
hassl-4116	398	2	intelligence	intelligence	PROPN
hassl-4116	398	3	&	&	CCONJ
hassl-4116	398	4	planning	planning	PROPN
hassl-4116	398	5	,	,	PUNCT
hassl-4116	398	6	30(4	30(4	NUM
hassl-4116	398	7	)	)	PUNCT
hassl-4116	398	8	,	,	PUNCT
hassl-4116	398	9	444	444	NUM
hassl-4116	398	10	-	-	SYM
hassl-4116	398	11	459	459	NUM
hassl-4116	398	12	.	.	PUNCT
hassl-4116	399	1	https://doi.org/10.1108/02634501211231928	https://doi.org/10.1108/02634501211231928	X
hassl-4116	399	2	ali	ali	PROPN
hassl-4116	399	3	,	,	PUNCT
hassl-4116	399	4	m.	m.	NOUN
hassl-4116	399	5	,	,	PUNCT
hassl-4116	399	6	raza	raza	PROPN
hassl-4116	399	7	,	,	PUNCT
hassl-4116	399	8	s.	s.	PROPN
hassl-4116	399	9	a.	a.	PROPN
hassl-4116	399	10	,	,	PUNCT
hassl-4116	399	11	khamis	khamis	PROPN
hassl-4116	399	12	,	,	PUNCT
hassl-4116	399	13	b.	b.	PROPN
hassl-4116	399	14	,	,	PUNCT
hassl-4116	399	15	puah	puah	NOUN
hassl-4116	399	16	,	,	PUNCT
hassl-4116	399	17	c.	c.	PROPN
hassl-4116	399	18	h.	h.	PROPN
hassl-4116	399	19	,	,	PUNCT
hassl-4116	399	20	&	&	CCONJ
hassl-4116	399	21	amin	amin	PROPN
hassl-4116	399	22	,	,	PUNCT
hassl-4116	399	23	h.	h.	PROPN
hassl-4116	399	24	(	(	PUNCT
hassl-4116	399	25	2021	2021	NUM
hassl-4116	399	26	)	)	PUNCT
hassl-4116	399	27	.	.	PUNCT
hassl-4116	400	1	how	how	SCONJ
hassl-4116	400	2	perceived	perceive	VERB
hassl-4116	400	3	risk	risk	NOUN
hassl-4116	400	4	,	,	PUNCT
hassl-4116	400	5	benefit	benefit	NOUN
hassl-4116	400	6	and	and	CCONJ
hassl-4116	400	7	trust	trust	NOUN
hassl-4116	400	8	determine	determine	NOUN
hassl-4116	400	9	user	user	NOUN
hassl-4116	400	10	fintech	fintech	NOUN
hassl-4116	400	11	adoption	adoption	NOUN
hassl-4116	400	12	:	:	PUNCT
hassl-4116	400	13	a	a	DET
hassl-4116	400	14	new	new	ADJ
hassl-4116	400	15	dimension	dimension	NOUN
hassl-4116	400	16	for	for	ADP
hassl-4116	400	17	islamic	islamic	ADJ
hassl-4116	400	18	finance	finance	PROPN
hassl-4116	400	19	.	.	PUNCT
hassl-4116	401	1	foresight	foresight	NOUN
hassl-4116	401	2	,	,	PUNCT
hassl-4116	401	3	23(4	23(4	NOUN
hassl-4116	401	4	)	)	PUNCT
hassl-4116	401	5	,	,	PUNCT
hassl-4116	401	6	403	403	NUM
hassl-4116	401	7	-	-	SYM
hassl-4116	401	8	420	420	NUM
hassl-4116	401	9	.	.	PUNCT
hassl-4116	402	1	https://doi.org/10.1108/fs-09-2020-0095	https://doi.org/10.1108/fs-09-2020-0095	PROPN
hassl-4116	402	2	https://doi.org/10.1037/0033-2909.84.5.888	https://doi.org/10.1037/0033-2909.84.5.888	PROPN
hassl-4116	402	3	https://doi.org/10.1108/02634501211231928	https://doi.org/10.1108/02634501211231928	X
hassl-4116	402	4	https://doi.org/10.1108/fs-09-2020-0095	https://doi.org/10.1108/fs-09-2020-0095	NOUN
hassl-4116	402	5	humanities	humanity	NOUN
hassl-4116	402	6	and	and	CCONJ
hassl-4116	402	7	social	social	ADJ
hassl-4116	402	8	sciences	science	NOUN
hassl-4116	402	9	letters	letter	NOUN
hassl-4116	402	10	,	,	PUNCT
hassl-4116	402	11	2025	2025	NUM
hassl-4116	402	12	,	,	PUNCT
hassl-4116	402	13	13(2	13(2	NUM
hassl-4116	402	14	):	):	PUNCT
hassl-4116	402	15	409	409	NUM
hassl-4116	402	16	-	-	SYM
hassl-4116	402	17	427	427	NUM
hassl-4116	402	18	423	423	NUM
hassl-4116	402	19	©	©	ADP
hassl-4116	402	20	2025	2025	NUM
hassl-4116	402	21	conscientia	conscientia	PROPN
hassl-4116	402	22	beam	beam	PROPN
hassl-4116	402	23	.	.	PUNCT
hassl-4116	403	1	all	all	DET
hassl-4116	403	2	rights	right	NOUN
hassl-4116	403	3	reserved	reserve	VERB
hassl-4116	403	4	.	.	PUNCT
hassl-4116	404	1	alkadi	alkadi	PROPN
hassl-4116	404	2	,	,	PUNCT
hassl-4116	404	3	r.	r.	PROPN
hassl-4116	404	4	s.	s.	PROPN
hassl-4116	404	5	,	,	PUNCT
hassl-4116	404	6	&	&	CCONJ
hassl-4116	404	7	abed	abe	VERB
hassl-4116	404	8	,	,	PUNCT
hassl-4116	404	9	s.	s.	PROPN
hassl-4116	404	10	s.	s.	PROPN
hassl-4116	404	11	(	(	PUNCT
hassl-4116	404	12	2023	2023	NUM
hassl-4116	404	13	)	)	PUNCT
hassl-4116	404	14	.	.	PUNCT
hassl-4116	405	1	consumer	consumer	NOUN
hassl-4116	405	2	acceptance	acceptance	NOUN
hassl-4116	405	3	of	of	ADP
hassl-4116	405	4	fintech	fintech	NOUN
hassl-4116	405	5	app	app	NOUN
hassl-4116	405	6	payment	payment	NOUN
hassl-4116	405	7	services	service	NOUN
hassl-4116	405	8	:	:	PUNCT
hassl-4116	405	9	a	a	DET
hassl-4116	405	10	systematic	systematic	ADJ
hassl-4116	405	11	literature	literature	NOUN
hassl-4116	405	12	review	review	NOUN
hassl-4116	405	13	and	and	CCONJ
hassl-4116	405	14	future	future	ADJ
hassl-4116	405	15	research	research	NOUN
hassl-4116	405	16	agenda	agenda	NOUN
hassl-4116	405	17	.	.	PUNCT
hassl-4116	406	1	journal	journal	NOUN
hassl-4116	406	2	of	of	ADP
hassl-4116	406	3	theoretical	theoretical	ADJ
hassl-4116	406	4	and	and	CCONJ
hassl-4116	406	5	applied	apply	VERB
hassl-4116	406	6	electronic	electronic	ADJ
hassl-4116	406	7	commerce	commerce	NOUN
hassl-4116	406	8	research	research	NOUN
hassl-4116	406	9	,	,	PUNCT
hassl-4116	406	10	18(4	18(4	NUM
hassl-4116	406	11	)	)	PUNCT
hassl-4116	406	12	,	,	PUNCT
hassl-4116	406	13	1838	1838	NUM
hassl-4116	406	14	-	-	SYM
hassl-4116	406	15	1860	1860	NUM
hassl-4116	406	16	.	.	PUNCT
hassl-4116	407	1	https://doi.org/10.3390/jtaer18040093	https://doi.org/10.3390/jtaer18040093	NOUN
hassl-4116	407	2	amin	amin	PROPN
hassl-4116	407	3	,	,	PUNCT
hassl-4116	407	4	m.	m.	NOUN
hassl-4116	407	5	,	,	PUNCT
hassl-4116	407	6	rezaei	rezaei	PROPN
hassl-4116	407	7	,	,	PUNCT
hassl-4116	407	8	s.	s.	PROPN
hassl-4116	407	9	,	,	PUNCT
hassl-4116	407	10	&	&	CCONJ
hassl-4116	407	11	abolghasemi	abolghasemi	PROPN
hassl-4116	407	12	,	,	PUNCT
hassl-4116	407	13	m.	m.	NOUN
hassl-4116	407	14	(	(	PUNCT
hassl-4116	407	15	2014	2014	NUM
hassl-4116	407	16	)	)	PUNCT
hassl-4116	407	17	.	.	PUNCT
hassl-4116	408	1	user	user	NOUN
hassl-4116	408	2	satisfaction	satisfaction	NOUN
hassl-4116	408	3	with	with	ADP
hassl-4116	408	4	mobile	mobile	ADJ
hassl-4116	408	5	websites	website	NOUN
hassl-4116	408	6	:	:	PUNCT
hassl-4116	408	7	the	the	DET
hassl-4116	408	8	impact	impact	NOUN
hassl-4116	408	9	of	of	ADP
hassl-4116	408	10	perceived	perceive	VERB
hassl-4116	408	11	usefulness	usefulness	NOUN
hassl-4116	408	12	(	(	PUNCT
hassl-4116	408	13	pu	pu	PROPN
hassl-4116	408	14	)	)	PUNCT
hassl-4116	408	15	,	,	PUNCT
hassl-4116	408	16	perceived	perceive	VERB
hassl-4116	408	17	ease	ease	NOUN
hassl-4116	408	18	of	of	ADP
hassl-4116	408	19	use	use	NOUN
hassl-4116	408	20	(	(	PUNCT
hassl-4116	408	21	peou	peou	ADV
hassl-4116	408	22	)	)	PUNCT
hassl-4116	408	23	and	and	CCONJ
hassl-4116	408	24	trust	trust	NOUN
hassl-4116	408	25	.	.	PUNCT
hassl-4116	409	1	nankai	nankai	PROPN
hassl-4116	409	2	business	business	PROPN
hassl-4116	409	3	review	review	PROPN
hassl-4116	409	4	international	international	ADJ
hassl-4116	409	5	,	,	PUNCT
hassl-4116	409	6	5(3	5(3	NUM
hassl-4116	409	7	)	)	PUNCT
hassl-4116	409	8	,	,	PUNCT
hassl-4116	409	9	258	258	NUM
hassl-4116	409	10	-	-	SYM
hassl-4116	409	11	274	274	NUM
hassl-4116	409	12	.	.	PUNCT
hassl-4116	410	1	https://doi.org/10.1108/nbri-01-2014-0005	https://doi.org/10.1108/nbri-01-2014-0005	NOUN
hassl-4116	410	2	annur	annur	VERB
hassl-4116	410	3	,	,	PUNCT
hassl-4116	410	4	c.	c.	PROPN
hassl-4116	410	5	m.	m.	NOUN
hassl-4116	410	6	(	(	PUNCT
hassl-4116	410	7	2024	2024	NUM
hassl-4116	410	8	)	)	PUNCT
hassl-4116	410	9	.	.	PUNCT
hassl-4116	411	1	february	february	PROPN
hassl-4116	411	2	1	1	NUM
hassl-4116	411	3	.	.	PUNCT
hassl-4116	412	1	the	the	DET
hassl-4116	412	2	value	value	NOUN
hassl-4116	412	3	of	of	ADP
hassl-4116	412	4	pinjol	pinjol	NOUN
hassl-4116	412	5	distribution	distribution	NOUN
hassl-4116	412	6	in	in	ADP
hassl-4116	412	7	indonesia	indonesia	PROPN
hassl-4116	412	8	drops	drop	VERB
hassl-4116	412	9	in	in	ADP
hassl-4116	412	10	november	november	PROPN
hassl-4116	412	11	2023	2023	NUM
hassl-4116	412	12	.	.	PUNCT
hassl-4116	413	1	katadata	katadata	NOUN
hassl-4116	413	2	databoks	databok	NOUN
hassl-4116	413	3	.	.	PUNCT
hassl-4116	414	1	aren	aren	PROPN
hassl-4116	414	2	,	,	PUNCT
hassl-4116	414	3	s.	s.	PROPN
hassl-4116	414	4	,	,	PUNCT
hassl-4116	414	5	güzel	güzel	PROPN
hassl-4116	414	6	,	,	PUNCT
hassl-4116	414	7	m.	m.	NOUN
hassl-4116	414	8	,	,	PUNCT
hassl-4116	414	9	kabadayı	kabadayı	PROPN
hassl-4116	414	10	,	,	PUNCT
hassl-4116	414	11	e.	e.	PROPN
hassl-4116	414	12	,	,	PUNCT
hassl-4116	414	13	&	&	CCONJ
hassl-4116	414	14	alpkan	alpkan	PROPN
hassl-4116	414	15	,	,	PUNCT
hassl-4116	414	16	l.	l.	PROPN
hassl-4116	414	17	(	(	PUNCT
hassl-4116	414	18	2013	2013	NUM
hassl-4116	414	19	)	)	PUNCT
hassl-4116	414	20	.	.	PUNCT
hassl-4116	415	1	factors	factor	NOUN
hassl-4116	415	2	affecting	affect	VERB
hassl-4116	415	3	repurchase	repurchase	VERB
hassl-4116	415	4	intention	intention	NOUN
hassl-4116	415	5	to	to	PART
hassl-4116	415	6	shop	shop	VERB
hassl-4116	415	7	at	at	ADP
hassl-4116	415	8	the	the	DET
hassl-4116	415	9	same	same	ADJ
hassl-4116	415	10	website	website	NOUN
hassl-4116	415	11	.	.	PUNCT
hassl-4116	416	1	procedia	procedia	NOUN
hassl-4116	416	2	-	-	PUNCT
hassl-4116	416	3	social	social	ADJ
hassl-4116	416	4	and	and	CCONJ
hassl-4116	416	5	behavioral	behavioral	ADJ
hassl-4116	416	6	sciences	science	NOUN
hassl-4116	416	7	,	,	PUNCT
hassl-4116	416	8	99	99	NUM
hassl-4116	416	9	,	,	PUNCT
hassl-4116	416	10	536	536	NUM
hassl-4116	416	11	-	-	SYM
hassl-4116	416	12	544	544	NUM
hassl-4116	416	13	.	.	PUNCT
hassl-4116	417	1	https://doi.org/10.1016/j.sbspro.2013.10.523	https://doi.org/10.1016/j.sbspro.2013.10.523	ADJ
hassl-4116	417	2	asosiasi	asosiasi	NOUN
hassl-4116	417	3	fintech	fintech	PROPN
hassl-4116	417	4	indonesia	indonesia	PROPN
hassl-4116	417	5	.	.	PUNCT
hassl-4116	418	1	(	(	PUNCT
hassl-4116	418	2	2024	2024	NUM
hassl-4116	418	3	)	)	PUNCT
hassl-4116	418	4	.	.	PUNCT
hassl-4116	419	1	berita	berita	PROPN
hassl-4116	419	2	terbaru	terbaru	PROPN
hassl-4116	419	3	.	.	PUNCT
hassl-4116	420	1	retrieved	retrieve	VERB
hassl-4116	420	2	from	from	ADP
hassl-4116	420	3	https://fintech.id/id/education-and-literacy/latest-news	https://fintech.id/id/education-and-literacy/latest-new	NOUN
hassl-4116	420	4	asra	asra	NOUN
hassl-4116	420	5	,	,	PUNCT
hassl-4116	420	6	a.	a.	NOUN
hassl-4116	420	7	,	,	PUNCT
hassl-4116	420	8	agung	agung	PROPN
hassl-4116	420	9	,	,	PUNCT
hassl-4116	420	10	p.	p.	PROPN
hassl-4116	420	11	u.	u.	PROPN
hassl-4116	420	12	,	,	PUNCT
hassl-4116	420	13	munawir	munawir	VERB
hassl-4116	420	14	,	,	PUNCT
hassl-4116	420	15	a.	a.	NOUN
hassl-4116	420	16	,	,	PUNCT
hassl-4116	420	17	&	&	CCONJ
hassl-4116	420	18	novi	novi	PROPN
hassl-4116	420	19	,	,	PUNCT
hassl-4116	420	20	h.	h.	PROPN
hassl-4116	420	21	p.	p.	PROPN
hassl-4116	420	22	(	(	PUNCT
hassl-4116	420	23	2022	2022	NUM
hassl-4116	420	24	)	)	PUNCT
hassl-4116	420	25	.	.	PUNCT
hassl-4116	421	1	analisis	analisis	ADJ
hassl-4116	421	2	multivariabel	multivariabel	NOUN
hassl-4116	421	3	:	:	PUNCT
hassl-4116	421	4	suatu	suatu	PROPN
hassl-4116	421	5	pengantar	pengantar	PROPN
hassl-4116	421	6	.	.	PUNCT
hassl-4116	422	1	jakarta	jakarta	PROPN
hassl-4116	422	2	:	:	PUNCT
hassl-4116	422	3	media	media	PROPN
hassl-4116	422	4	publikasi	publikasi	NOUN
hassl-4116	422	5	.	.	PUNCT
hassl-4116	423	1	bangkara	bangkara	PROPN
hassl-4116	423	2	,	,	PUNCT
hassl-4116	423	3	r.	r.	PROPN
hassl-4116	423	4	p.	p.	PROPN
hassl-4116	423	5	,	,	PUNCT
hassl-4116	423	6	&	&	CCONJ
hassl-4116	423	7	mimba	mimba	PROPN
hassl-4116	423	8	,	,	PUNCT
hassl-4116	423	9	n.	n.	PROPN
hassl-4116	423	10	(	(	PUNCT
hassl-4116	423	11	2016	2016	NUM
hassl-4116	423	12	)	)	PUNCT
hassl-4116	423	13	.	.	PUNCT
hassl-4116	424	1	pengaruh	pengaruh	NOUN
hassl-4116	424	2	perceived	perceive	VERB
hassl-4116	424	3	usefulness	usefulness	NOUN
hassl-4116	424	4	dan	dan	PROPN
hassl-4116	424	5	perceived	perceive	VERB
hassl-4116	424	6	ease	ease	NOUN
hassl-4116	424	7	of	of	ADP
hassl-4116	424	8	use	use	NOUN
hassl-4116	424	9	pada	pada	PROPN
hassl-4116	424	10	minat	minat	PROPN
hassl-4116	424	11	penggunaan	penggunaan	PROPN
hassl-4116	424	12	internet	internet	PROPN
hassl-4116	424	13	banking	banking	NOUN
hassl-4116	424	14	dengan	dengan	PROPN
hassl-4116	424	15	attitude	attitude	NOUN
hassl-4116	424	16	toward	toward	ADP
hassl-4116	424	17	using	use	VERB
hassl-4116	424	18	sebagai	sebagai	PROPN
hassl-4116	424	19	variabel	variabel	PROPN
hassl-4116	424	20	intervening	intervene	VERB
hassl-4116	424	21	.	.	PUNCT
hassl-4116	425	1	e	e	X
hassl-4116	425	2	-	-	ADJ
hassl-4116	425	3	jurnal	jurnal	ADJ
hassl-4116	425	4	akuntansi	akuntansi	PROPN
hassl-4116	425	5	universitas	universita	NOUN
hassl-4116	425	6	udayana	udayana	PROPN
hassl-4116	425	7	,	,	PUNCT
hassl-4116	425	8	16(3	16(3	NOUN
hassl-4116	425	9	)	)	PUNCT
hassl-4116	425	10	,	,	PUNCT
hassl-4116	425	11	2408	2408	NUM
hassl-4116	425	12	-	-	SYM
hassl-4116	425	13	2434	2434	NUM
hassl-4116	425	14	.	.	PUNCT
hassl-4116	426	1	banna	banna	PROPN
hassl-4116	426	2	,	,	PUNCT
hassl-4116	426	3	h.	h.	PROPN
hassl-4116	426	4	,	,	PUNCT
hassl-4116	426	5	hassan	hassan	PROPN
hassl-4116	426	6	,	,	PUNCT
hassl-4116	426	7	m.	m.	PROPN
hassl-4116	426	8	k.	k.	PROPN
hassl-4116	426	9	,	,	PUNCT
hassl-4116	426	10	ahmad	ahmad	PROPN
hassl-4116	426	11	,	,	PUNCT
hassl-4116	426	12	r.	r.	PROPN
hassl-4116	426	13	,	,	PUNCT
hassl-4116	426	14	&	&	CCONJ
hassl-4116	426	15	alam	alam	PROPN
hassl-4116	426	16	,	,	PUNCT
hassl-4116	426	17	m.	m.	PROPN
hassl-4116	426	18	r.	r.	PROPN
hassl-4116	426	19	(	(	PUNCT
hassl-4116	426	20	2022	2022	NUM
hassl-4116	426	21	)	)	PUNCT
hassl-4116	426	22	.	.	PUNCT
hassl-4116	427	1	islamic	islamic	ADJ
hassl-4116	427	2	banking	banking	NOUN
hassl-4116	427	3	stability	stability	NOUN
hassl-4116	427	4	amidst	amidst	ADP
hassl-4116	427	5	the	the	DET
hassl-4116	427	6	covid-19	covid-19	PROPN
hassl-4116	427	7	pandemic	pandemic	NOUN
hassl-4116	427	8	:	:	PUNCT
hassl-4116	427	9	the	the	DET
hassl-4116	427	10	role	role	NOUN
hassl-4116	427	11	of	of	ADP
hassl-4116	427	12	digital	digital	ADJ
hassl-4116	427	13	financial	financial	ADJ
hassl-4116	427	14	inclusion	inclusion	NOUN
hassl-4116	427	15	.	.	PUNCT
hassl-4116	428	1	international	international	ADJ
hassl-4116	428	2	journal	journal	PROPN
hassl-4116	428	3	of	of	ADP
hassl-4116	428	4	islamic	islamic	ADJ
hassl-4116	428	5	and	and	CCONJ
hassl-4116	428	6	middle	middle	ADJ
hassl-4116	428	7	eastern	eastern	ADJ
hassl-4116	428	8	finance	finance	NOUN
hassl-4116	428	9	and	and	CCONJ
hassl-4116	428	10	management	management	NOUN
hassl-4116	428	11	,	,	PUNCT
hassl-4116	428	12	15(2	15(2	NUM
hassl-4116	428	13	)	)	PUNCT
hassl-4116	428	14	,	,	PUNCT
hassl-4116	428	15	310	310	NUM
hassl-4116	428	16	-	-	SYM
hassl-4116	428	17	330	330	NUM
hassl-4116	428	18	.	.	PUNCT
hassl-4116	429	1	https://doi.org/10.1108/imefm-08-2020-0389	https://doi.org/10.1108/imefm-08-2020-0389	PROPN
hassl-4116	429	2	bergmann	bergmann	PROPN
hassl-4116	429	3	,	,	PUNCT
hassl-4116	429	4	m.	m.	NOUN
hassl-4116	429	5	,	,	PUNCT
hassl-4116	429	6	maçada	maçada	PROPN
hassl-4116	429	7	,	,	PUNCT
hassl-4116	429	8	a.	a.	PROPN
hassl-4116	429	9	c.	c.	PROPN
hassl-4116	429	10	g.	g.	PROPN
hassl-4116	429	11	,	,	PUNCT
hassl-4116	429	12	de	de	PROPN
hassl-4116	429	13	oliveira	oliveira	PROPN
hassl-4116	429	14	santini	santini	PROPN
hassl-4116	429	15	,	,	PUNCT
hassl-4116	429	16	f.	f.	PROPN
hassl-4116	429	17	,	,	PUNCT
hassl-4116	429	18	&	&	CCONJ
hassl-4116	429	19	rasul	rasul	PROPN
hassl-4116	429	20	,	,	PUNCT
hassl-4116	429	21	t.	t.	PROPN
hassl-4116	429	22	(	(	PUNCT
hassl-4116	429	23	2023	2023	NUM
hassl-4116	429	24	)	)	PUNCT
hassl-4116	429	25	.	.	PUNCT
hassl-4116	430	1	continuance	continuance	NOUN
hassl-4116	430	2	intention	intention	NOUN
hassl-4116	430	3	in	in	ADP
hassl-4116	430	4	financial	financial	ADJ
hassl-4116	430	5	technology	technology	NOUN
hassl-4116	430	6	:	:	PUNCT
hassl-4116	430	7	a	a	DET
hassl-4116	430	8	framework	framework	NOUN
hassl-4116	430	9	and	and	CCONJ
hassl-4116	430	10	meta	meta	ADJ
hassl-4116	430	11	-	-	PUNCT
hassl-4116	430	12	analysis	analysis	NOUN
hassl-4116	430	13	.	.	PUNCT
hassl-4116	431	1	international	international	ADJ
hassl-4116	431	2	journal	journal	NOUN
hassl-4116	431	3	of	of	ADP
hassl-4116	431	4	bank	bank	PROPN
hassl-4116	431	5	marketing	marketing	NOUN
hassl-4116	431	6	,	,	PUNCT
hassl-4116	431	7	41(4	41(4	NUM
hassl-4116	431	8	)	)	PUNCT
hassl-4116	431	9	,	,	PUNCT
hassl-4116	431	10	749	749	NUM
hassl-4116	431	11	-	-	SYM
hassl-4116	431	12	786	786	NUM
hassl-4116	431	13	.	.	PUNCT
hassl-4116	432	1	https://doi.org/10.1108/ijbm04-2022-0168	https://doi.org/10.1108/ijbm04-2022-0168	NOUN
hassl-4116	432	2	cahyadi	cahyadi	PROPN
hassl-4116	432	3	,	,	PUNCT
hassl-4116	432	4	h.	h.	PROPN
hassl-4116	432	5	,	,	PUNCT
hassl-4116	432	6	tarigan	tarigan	PROPN
hassl-4116	432	7	,	,	PUNCT
hassl-4116	432	8	r.	r.	PROPN
hassl-4116	432	9	p.	p.	PROPN
hassl-4116	432	10	,	,	PUNCT
hassl-4116	433	1	masman	masman	PROPN
hassl-4116	433	2	,	,	PUNCT
hassl-4116	433	3	r.	r.	PROPN
hassl-4116	433	4	r.	r.	PROPN
hassl-4116	433	5	,	,	PUNCT
hassl-4116	433	6	trisnawati	trisnawati	PROPN
hassl-4116	433	7	,	,	PUNCT
hassl-4116	433	8	e.	e.	PROPN
hassl-4116	433	9	,	,	PUNCT
hassl-4116	433	10	&	&	CCONJ
hassl-4116	433	11	wijaya	wijaya	PROPN
hassl-4116	433	12	,	,	PUNCT
hassl-4116	433	13	h.	h.	PROPN
hassl-4116	433	14	(	(	PUNCT
hassl-4116	433	15	2024	2024	NUM
hassl-4116	433	16	)	)	PUNCT
hassl-4116	433	17	.	.	PUNCT
hassl-4116	434	1	exploring	explore	VERB
hassl-4116	434	2	the	the	DET
hassl-4116	434	3	dynamics	dynamic	NOUN
hassl-4116	434	4	of	of	ADP
hassl-4116	434	5	fintech	fintech	NOUN
hassl-4116	434	6	usage	usage	NOUN
hassl-4116	434	7	behavior	behavior	NOUN
hassl-4116	434	8	moderated	moderate	VERB
hassl-4116	434	9	by	by	ADP
hassl-4116	434	10	customer	customer	NOUN
hassl-4116	434	11	characteristics	characteristic	NOUN
hassl-4116	434	12	in	in	ADP
hassl-4116	434	13	indonesia	indonesia	PROPN
hassl-4116	434	14	.	.	PUNCT
hassl-4116	435	1	international	international	ADJ
hassl-4116	435	2	journal	journal	PROPN
hassl-4116	435	3	of	of	ADP
hassl-4116	435	4	innovative	innovative	ADJ
hassl-4116	435	5	research	research	NOUN
hassl-4116	435	6	and	and	CCONJ
hassl-4116	435	7	scientific	scientific	ADJ
hassl-4116	435	8	studies	study	NOUN
hassl-4116	435	9	,	,	PUNCT
hassl-4116	435	10	7(3	7(3	NUM
hassl-4116	435	11	)	)	PUNCT
hassl-4116	435	12	,	,	PUNCT
hassl-4116	435	13	541–550	541–550	NUM
hassl-4116	435	14	.	.	PUNCT
hassl-4116	436	1	chan	chan	PROPN
hassl-4116	436	2	,	,	PUNCT
hassl-4116	436	3	r.	r.	PROPN
hassl-4116	436	4	,	,	PUNCT
hassl-4116	436	5	troshani	troshani	PROPN
hassl-4116	436	6	,	,	PUNCT
hassl-4116	436	7	i.	i.	PROPN
hassl-4116	436	8	,	,	PUNCT
hassl-4116	436	9	rao	rao	PROPN
hassl-4116	436	10	hill	hill	PROPN
hassl-4116	436	11	,	,	PUNCT
hassl-4116	436	12	s.	s.	PROPN
hassl-4116	436	13	,	,	PUNCT
hassl-4116	436	14	&	&	CCONJ
hassl-4116	436	15	hoffmann	hoffmann	PROPN
hassl-4116	436	16	,	,	PUNCT
hassl-4116	436	17	a.	a.	NOUN
hassl-4116	436	18	(	(	PUNCT
hassl-4116	436	19	2022	2022	NUM
hassl-4116	436	20	)	)	PUNCT
hassl-4116	436	21	.	.	PUNCT
hassl-4116	437	1	towards	towards	ADP
hassl-4116	437	2	an	an	DET
hassl-4116	437	3	understanding	understanding	NOUN
hassl-4116	437	4	of	of	ADP
hassl-4116	437	5	consumers	consumer	NOUN
hassl-4116	437	6	’	'	PUNCT
hassl-4116	437	7	fintech	fintech	NOUN
hassl-4116	437	8	adoption	adoption	NOUN
hassl-4116	437	9	:	:	PUNCT
hassl-4116	437	10	the	the	DET
hassl-4116	437	11	case	case	NOUN
hassl-4116	437	12	of	of	ADP
hassl-4116	437	13	open	open	ADJ
hassl-4116	437	14	banking	banking	NOUN
hassl-4116	437	15	.	.	PUNCT
hassl-4116	438	1	international	international	ADJ
hassl-4116	438	2	journal	journal	PROPN
hassl-4116	438	3	of	of	ADP
hassl-4116	438	4	bank	bank	PROPN
hassl-4116	438	5	marketing	marketing	NOUN
hassl-4116	438	6	,	,	PUNCT
hassl-4116	438	7	40(4	40(4	NUM
hassl-4116	438	8	)	)	PUNCT
hassl-4116	438	9	,	,	PUNCT
hassl-4116	438	10	886	886	NUM
hassl-4116	438	11	-	-	SYM
hassl-4116	438	12	917	917	NUM
hassl-4116	438	13	.	.	PUNCT
hassl-4116	439	1	https://doi.org/10.1108/ijbm-08-20210397	https://doi.org/10.1108/ijbm-08-20210397	PROPN
hassl-4116	439	2	chen	chen	PROPN
hassl-4116	439	3	,	,	PUNCT
hassl-4116	439	4	c.	c.	PROPN
hassl-4116	439	5	f.	f.	PROPN
hassl-4116	439	6	y.	y.	PROPN
hassl-4116	439	7	,	,	PUNCT
hassl-4116	439	8	chan	chan	PROPN
hassl-4116	439	9	,	,	PUNCT
hassl-4116	439	10	t.	t.	PROPN
hassl-4116	439	11	j.	j.	PROPN
hassl-4116	439	12	,	,	PUNCT
hassl-4116	439	13	&	&	CCONJ
hassl-4116	439	14	hashim	hashim	PROPN
hassl-4116	439	15	,	,	PUNCT
hassl-4116	439	16	n.	n.	PROPN
hassl-4116	439	17	h.	h.	PROPN
hassl-4116	439	18	(	(	PUNCT
hassl-4116	439	19	2023	2023	NUM
hassl-4116	439	20	)	)	PUNCT
hassl-4116	439	21	.	.	PUNCT
hassl-4116	440	1	factor	factor	NOUN
hassl-4116	440	2	influencing	influence	VERB
hassl-4116	440	3	continuation	continuation	NOUN
hassl-4116	440	4	intention	intention	NOUN
hassl-4116	440	5	of	of	ADP
hassl-4116	440	6	using	use	VERB
hassl-4116	440	7	fintech	fintech	NOUN
hassl-4116	440	8	from	from	ADP
hassl-4116	440	9	the	the	DET
hassl-4116	440	10	users	user	NOUN
hassl-4116	440	11	’	’	PART
hassl-4116	440	12	perspectives	perspective	NOUN
hassl-4116	440	13	:	:	PUNCT
hassl-4116	440	14	testing	testing	NOUN
hassl-4116	440	15	of	of	ADP
hassl-4116	440	16	unified	unified	ADJ
hassl-4116	440	17	theory	theory	NOUN
hassl-4116	440	18	of	of	ADP
hassl-4116	440	19	acceptance	acceptance	NOUN
hassl-4116	440	20	and	and	CCONJ
hassl-4116	440	21	use	use	NOUN
hassl-4116	440	22	of	of	ADP
hassl-4116	440	23	technology	technology	NOUN
hassl-4116	440	24	(	(	PUNCT
hassl-4116	440	25	utaut2	utaut2	PROPN
hassl-4116	440	26	)	)	PUNCT
hassl-4116	440	27	.	.	PUNCT
hassl-4116	441	1	international	international	ADJ
hassl-4116	441	2	journal	journal	PROPN
hassl-4116	441	3	of	of	ADP
hassl-4116	441	4	technology	technology	NOUN
hassl-4116	441	5	,	,	PUNCT
hassl-4116	441	6	14(6	14(6	NOUN
hassl-4116	441	7	)	)	PUNCT
hassl-4116	441	8	,	,	PUNCT
hassl-4116	441	9	1277–1287	1277–1287	NUM
hassl-4116	441	10	.	.	PUNCT
hassl-4116	442	1	https://doi.org/10.14716/ijtech.v14i6.6636	https://doi.org/10.14716/ijtech.v14i6.6636	VERB
hassl-4116	442	2	davis	davis	PROPN
hassl-4116	442	3	,	,	PUNCT
hassl-4116	442	4	f.	f.	PROPN
hassl-4116	442	5	d.	d.	PROPN
hassl-4116	442	6	(	(	PUNCT
hassl-4116	442	7	1985	1985	NUM
hassl-4116	442	8	)	)	PUNCT
hassl-4116	442	9	.	.	PUNCT
hassl-4116	443	1	a	a	DET
hassl-4116	443	2	technology	technology	NOUN
hassl-4116	443	3	acceptance	acceptance	NOUN
hassl-4116	443	4	model	model	NOUN
hassl-4116	443	5	for	for	ADP
hassl-4116	443	6	empirically	empirically	ADV
hassl-4116	443	7	testing	test	VERB
hassl-4116	443	8	new	new	ADJ
hassl-4116	443	9	end	end	NOUN
hassl-4116	443	10	-	-	PUNCT
hassl-4116	443	11	user	user	NOUN
hassl-4116	443	12	information	information	NOUN
hassl-4116	443	13	systems	system	NOUN
hassl-4116	443	14	:	:	PUNCT
hassl-4116	443	15	theory	theory	NOUN
hassl-4116	443	16	and	and	CCONJ
hassl-4116	443	17	results	result	NOUN
hassl-4116	443	18	.	.	PUNCT
hassl-4116	444	1	doctoral	doctoral	ADJ
hassl-4116	444	2	dissertation	dissertation	NOUN
hassl-4116	444	3	.	.	PUNCT
hassl-4116	445	1	davis	davis	PROPN
hassl-4116	445	2	,	,	PUNCT
hassl-4116	445	3	f.	f.	PROPN
hassl-4116	445	4	d.	d.	PROPN
hassl-4116	445	5	(	(	PUNCT
hassl-4116	445	6	1989	1989	NUM
hassl-4116	445	7	)	)	PUNCT
hassl-4116	445	8	.	.	PUNCT
hassl-4116	446	1	perceived	perceive	VERB
hassl-4116	446	2	usefulness	usefulness	NOUN
hassl-4116	446	3	,	,	PUNCT
hassl-4116	446	4	perceived	perceive	VERB
hassl-4116	446	5	ease	ease	NOUN
hassl-4116	446	6	of	of	ADP
hassl-4116	446	7	use	use	NOUN
hassl-4116	446	8	,	,	PUNCT
hassl-4116	446	9	and	and	CCONJ
hassl-4116	446	10	user	user	NOUN
hassl-4116	446	11	acceptance	acceptance	NOUN
hassl-4116	446	12	of	of	ADP
hassl-4116	446	13	information	information	NOUN
hassl-4116	446	14	technology	technology	NOUN
hassl-4116	446	15	.	.	PUNCT
hassl-4116	447	1	mis	mis	PROPN
hassl-4116	447	2	quarterly	quarterly	PROPN
hassl-4116	447	3	,	,	PUNCT
hassl-4116	447	4	13(3	13(3	NUM
hassl-4116	447	5	)	)	PUNCT
hassl-4116	447	6	,	,	PUNCT
hassl-4116	447	7	319	319	NUM
hassl-4116	447	8	-	-	SYM
hassl-4116	447	9	340	340	NUM
hassl-4116	447	10	.	.	PUNCT
hassl-4116	448	1	https://doi.org/10.2307/249008	https://doi.org/10.2307/249008	PROPN
hassl-4116	448	2	diana	diana	PROPN
hassl-4116	448	3	,	,	PUNCT
hassl-4116	448	4	n.	n.	NOUN
hassl-4116	448	5	,	,	PUNCT
hassl-4116	448	6	&	&	CCONJ
hassl-4116	448	7	leon	leon	PROPN
hassl-4116	448	8	,	,	PUNCT
hassl-4116	448	9	f.	f.	PROPN
hassl-4116	448	10	m.	m.	PROPN
hassl-4116	448	11	(	(	PUNCT
hassl-4116	448	12	2020	2020	NUM
hassl-4116	448	13	)	)	PUNCT
hassl-4116	448	14	.	.	PUNCT
hassl-4116	449	1	factors	factor	NOUN
hassl-4116	449	2	affecting	affect	VERB
hassl-4116	449	3	continuance	continuance	NOUN
hassl-4116	449	4	intention	intention	NOUN
hassl-4116	449	5	of	of	ADP
hassl-4116	449	6	fintech	fintech	NOUN
hassl-4116	449	7	payment	payment	NOUN
hassl-4116	449	8	among	among	ADP
hassl-4116	449	9	millennials	millennial	NOUN
hassl-4116	449	10	in	in	ADP
hassl-4116	449	11	jakarta	jakarta	PROPN
hassl-4116	449	12	.	.	PUNCT
hassl-4116	450	1	european	european	PROPN
hassl-4116	450	2	journal	journal	PROPN
hassl-4116	450	3	of	of	ADP
hassl-4116	450	4	business	business	NOUN
hassl-4116	450	5	and	and	CCONJ
hassl-4116	450	6	management	management	NOUN
hassl-4116	450	7	research	research	NOUN
hassl-4116	450	8	,	,	PUNCT
hassl-4116	450	9	5(4	5(4	NUM
hassl-4116	450	10	)	)	PUNCT
hassl-4116	450	11	,	,	PUNCT
hassl-4116	450	12	1	1	NUM
hassl-4116	450	13	-	-	SYM
hassl-4116	450	14	9	9	NUM
hassl-4116	450	15	.	.	PUNCT
hassl-4116	451	1	https://doi.org/10.24018/ejbmr.2020.5.4.444	https://doi.org/10.24018/ejbmr.2020.5.4.444	PROPN
hassl-4116	451	2	dorfleitner	dorfleitner	PROPN
hassl-4116	451	3	,	,	PUNCT
hassl-4116	451	4	g.	g.	PROPN
hassl-4116	451	5	,	,	PUNCT
hassl-4116	451	6	hornuf	hornuf	PROPN
hassl-4116	451	7	,	,	PUNCT
hassl-4116	451	8	l.	l.	PROPN
hassl-4116	451	9	,	,	PUNCT
hassl-4116	451	10	schmitt	schmitt	NOUN
hassl-4116	451	11	,	,	PUNCT
hassl-4116	451	12	m.	m.	NOUN
hassl-4116	451	13	,	,	PUNCT
hassl-4116	451	14	&	&	CCONJ
hassl-4116	451	15	weber	weber	PROPN
hassl-4116	451	16	,	,	PUNCT
hassl-4116	451	17	m.	m.	NOUN
hassl-4116	451	18	(	(	PUNCT
hassl-4116	451	19	2017	2017	NUM
hassl-4116	451	20	)	)	PUNCT
hassl-4116	451	21	.	.	PUNCT
hassl-4116	452	1	fintech	fintech	NOUN
hassl-4116	452	2	in	in	ADP
hassl-4116	452	3	germany	germany	PROPN
hassl-4116	452	4	.	.	PUNCT
hassl-4116	453	1	switzerland	switzerland	PROPN
hassl-4116	453	2	:	:	PUNCT
hassl-4116	453	3	springer	springer	NOUN
hassl-4116	453	4	international	international	ADJ
hassl-4116	453	5	publishing	publishing	NOUN
hassl-4116	453	6	.	.	PUNCT
hassl-4116	454	1	forsythe	forsythe	PROPN
hassl-4116	454	2	,	,	PUNCT
hassl-4116	454	3	s.	s.	PROPN
hassl-4116	454	4	,	,	PUNCT
hassl-4116	454	5	liu	liu	PROPN
hassl-4116	454	6	,	,	PUNCT
hassl-4116	454	7	c.	c.	PROPN
hassl-4116	454	8	,	,	PUNCT
hassl-4116	454	9	shannon	shannon	PROPN
hassl-4116	454	10	,	,	PUNCT
hassl-4116	454	11	d.	d.	PROPN
hassl-4116	454	12	,	,	PUNCT
hassl-4116	454	13	&	&	CCONJ
hassl-4116	454	14	gardner	gardner	PROPN
hassl-4116	454	15	,	,	PUNCT
hassl-4116	454	16	l.	l.	PROPN
hassl-4116	454	17	c.	c.	PROPN
hassl-4116	454	18	(	(	PUNCT
hassl-4116	454	19	2006	2006	NUM
hassl-4116	454	20	)	)	PUNCT
hassl-4116	454	21	.	.	PUNCT
hassl-4116	455	1	development	development	NOUN
hassl-4116	455	2	of	of	ADP
hassl-4116	455	3	a	a	DET
hassl-4116	455	4	scale	scale	NOUN
hassl-4116	455	5	to	to	PART
hassl-4116	455	6	measure	measure	VERB
hassl-4116	455	7	the	the	DET
hassl-4116	455	8	perceived	perceive	VERB
hassl-4116	455	9	benefits	benefit	NOUN
hassl-4116	455	10	and	and	CCONJ
hassl-4116	455	11	risks	risk	NOUN
hassl-4116	455	12	of	of	ADP
hassl-4116	455	13	online	online	ADJ
hassl-4116	455	14	shopping	shopping	NOUN
hassl-4116	455	15	.	.	PUNCT
hassl-4116	456	1	journal	journal	PROPN
hassl-4116	456	2	of	of	ADP
hassl-4116	456	3	interactive	interactive	ADJ
hassl-4116	456	4	marketing	marketing	NOUN
hassl-4116	456	5	,	,	PUNCT
hassl-4116	456	6	20(2	20(2	NUM
hassl-4116	456	7	)	)	PUNCT
hassl-4116	456	8	,	,	PUNCT
hassl-4116	456	9	55	55	NUM
hassl-4116	456	10	-	-	SYM
hassl-4116	456	11	75	75	NUM
hassl-4116	456	12	.	.	PUNCT
hassl-4116	457	1	gan	gan	PROPN
hassl-4116	457	2	,	,	PUNCT
hassl-4116	457	3	c.	c.	PROPN
hassl-4116	457	4	,	,	PUNCT
hassl-4116	457	5	&	&	CCONJ
hassl-4116	457	6	wang	wang	PROPN
hassl-4116	457	7	,	,	PUNCT
hassl-4116	457	8	w.	w.	PROPN
hassl-4116	457	9	(	(	PUNCT
hassl-4116	457	10	2017	2017	NUM
hassl-4116	457	11	)	)	PUNCT
hassl-4116	457	12	.	.	PUNCT
hassl-4116	458	1	the	the	DET
hassl-4116	458	2	influence	influence	NOUN
hassl-4116	458	3	of	of	ADP
hassl-4116	458	4	perceived	perceive	VERB
hassl-4116	458	5	value	value	NOUN
hassl-4116	458	6	on	on	ADP
hassl-4116	458	7	purchase	purchase	NOUN
hassl-4116	458	8	intention	intention	NOUN
hassl-4116	458	9	in	in	ADP
hassl-4116	458	10	social	social	ADJ
hassl-4116	458	11	commerce	commerce	NOUN
hassl-4116	458	12	context	context	NOUN
hassl-4116	458	13	.	.	PUNCT
hassl-4116	459	1	internet	internet	NOUN
hassl-4116	459	2	research	research	NOUN
hassl-4116	459	3	,	,	PUNCT
hassl-4116	459	4	27(4	27(4	PROPN
hassl-4116	459	5	)	)	PUNCT
hassl-4116	459	6	,	,	PUNCT
hassl-4116	459	7	772	772	NUM
hassl-4116	459	8	-	-	SYM
hassl-4116	459	9	785	785	NUM
hassl-4116	459	10	.	.	PUNCT
hassl-4116	460	1	https://doi.org/10.1108/intr-06-2016-0164	https://doi.org/10.1108/intr-06-2016-0164	PROPN
hassl-4116	460	2	gao	gao	PROPN
hassl-4116	460	3	,	,	PUNCT
hassl-4116	460	4	l.	l.	PROPN
hassl-4116	460	5	,	,	PUNCT
hassl-4116	460	6	&	&	CCONJ
hassl-4116	460	7	bai	bai	PROPN
hassl-4116	460	8	,	,	PUNCT
hassl-4116	460	9	x.	x.	NOUN
hassl-4116	460	10	(	(	PUNCT
hassl-4116	460	11	2014	2014	NUM
hassl-4116	460	12	)	)	PUNCT
hassl-4116	460	13	.	.	PUNCT
hassl-4116	461	1	a	a	DET
hassl-4116	461	2	unified	unified	ADJ
hassl-4116	461	3	perspective	perspective	NOUN
hassl-4116	461	4	on	on	ADP
hassl-4116	461	5	the	the	DET
hassl-4116	461	6	factors	factor	NOUN
hassl-4116	461	7	influencing	influence	VERB
hassl-4116	461	8	consumer	consumer	NOUN
hassl-4116	461	9	acceptance	acceptance	NOUN
hassl-4116	461	10	of	of	ADP
hassl-4116	461	11	internet	internet	NOUN
hassl-4116	461	12	of	of	ADP
hassl-4116	461	13	things	thing	NOUN
hassl-4116	461	14	technology	technology	NOUN
hassl-4116	461	15	.	.	PUNCT
hassl-4116	462	1	asia	asia	PROPN
hassl-4116	462	2	pacific	pacific	PROPN
hassl-4116	462	3	journal	journal	PROPN
hassl-4116	462	4	of	of	ADP
hassl-4116	462	5	marketing	marketing	NOUN
hassl-4116	462	6	and	and	CCONJ
hassl-4116	462	7	logistics	logistic	NOUN
hassl-4116	462	8	,	,	PUNCT
hassl-4116	462	9	26(2	26(2	NUM
hassl-4116	462	10	)	)	PUNCT
hassl-4116	462	11	,	,	PUNCT
hassl-4116	462	12	211	211	NUM
hassl-4116	462	13	-	-	SYM
hassl-4116	462	14	231	231	NUM
hassl-4116	462	15	.	.	PUNCT
hassl-4116	463	1	https://doi.org/10.1108/apjml-06-2013-0061	https://doi.org/10.1108/apjml-06-2013-0061	NOUN
hassl-4116	463	2	https://doi.org/10.3390/jtaer18040093	https://doi.org/10.3390/jtaer18040093	NOUN
hassl-4116	463	3	https://doi.org/10.1108/nbri-01-2014-0005	https://doi.org/10.1108/nbri-01-2014-0005	NOUN
hassl-4116	463	4	https://doi.org/10.1016/j.sbspro.2013.10.523	https://doi.org/10.1016/j.sbspro.2013.10.523	ADJ
hassl-4116	463	5	https://fintech.id/id/education-and-literacy/latest-news	https://fintech.id/id/education-and-literacy/latest-news	ADP
hassl-4116	463	6	https://doi.org/10.1108/imefm-08-2020-0389	https://doi.org/10.1108/imefm-08-2020-0389	NOUN
hassl-4116	463	7	https://doi.org/10.1108/ijbm-04-2022-0168	https://doi.org/10.1108/ijbm-04-2022-0168	NOUN
hassl-4116	463	8	https://doi.org/10.1108/ijbm-04-2022-0168	https://doi.org/10.1108/ijbm-04-2022-0168	NOUN
hassl-4116	463	9	https://doi.org/10.1108/ijbm-08-2021-0397	https://doi.org/10.1108/ijbm-08-2021-0397	NOUN
hassl-4116	463	10	https://doi.org/10.1108/ijbm-08-2021-0397	https://doi.org/10.1108/ijbm-08-2021-0397	NOUN
hassl-4116	463	11	https://doi.org/10.14716/ijtech.v14i6.6636	https://doi.org/10.14716/ijtech.v14i6.6636	NUM
hassl-4116	463	12	https://doi.org/10.2307/249008	https://doi.org/10.2307/249008	NOUN
hassl-4116	463	13	https://doi.org/10.24018/ejbmr.2020.5.4.444	https://doi.org/10.24018/ejbmr.2020.5.4.444	NOUN
hassl-4116	463	14	https://doi.org/10.1108/intr-06-2016-0164	https://doi.org/10.1108/intr-06-2016-0164	NOUN
hassl-4116	463	15	https://doi.org/10.1108/apjml-06-2013-0061	https://doi.org/10.1108/apjml-06-2013-0061	NOUN
hassl-4116	463	16	humanities	humanity	NOUN
hassl-4116	463	17	and	and	CCONJ
hassl-4116	463	18	social	social	ADJ
hassl-4116	463	19	sciences	science	NOUN
hassl-4116	463	20	letters	letter	NOUN
hassl-4116	463	21	,	,	PUNCT
hassl-4116	463	22	2025	2025	NUM
hassl-4116	463	23	,	,	PUNCT
hassl-4116	463	24	13(2	13(2	NUM
hassl-4116	463	25	):	):	PUNCT
hassl-4116	463	26	409	409	NUM
hassl-4116	463	27	-	-	SYM
hassl-4116	463	28	427	427	NUM
hassl-4116	463	29	424	424	NUM
hassl-4116	463	30	©	©	PROPN
hassl-4116	463	31	2025	2025	NUM
hassl-4116	463	32	conscientia	conscientia	PROPN
hassl-4116	463	33	beam	beam	PROPN
hassl-4116	463	34	.	.	PUNCT
hassl-4116	464	1	all	all	DET
hassl-4116	464	2	rights	right	NOUN
hassl-4116	464	3	reserved	reserve	VERB
hassl-4116	464	4	.	.	PUNCT
hassl-4116	465	1	gefen	gefen	NOUN
hassl-4116	465	2	,	,	PUNCT
hassl-4116	465	3	d.	d.	PROPN
hassl-4116	465	4	,	,	PUNCT
hassl-4116	465	5	srinivasan	srinivasan	PROPN
hassl-4116	465	6	rao	rao	PROPN
hassl-4116	465	7	,	,	PUNCT
hassl-4116	465	8	v.	v.	PROPN
hassl-4116	465	9	,	,	PUNCT
hassl-4116	465	10	&	&	CCONJ
hassl-4116	465	11	tractinsky	tractinsky	NOUN
hassl-4116	465	12	,	,	PUNCT
hassl-4116	465	13	n.	n.	PROPN
hassl-4116	465	14	(	(	PUNCT
hassl-4116	465	15	2003	2003	NUM
hassl-4116	465	16	)	)	PUNCT
hassl-4116	465	17	.	.	PUNCT
hassl-4116	466	1	the	the	DET
hassl-4116	466	2	conceptualization	conceptualization	NOUN
hassl-4116	466	3	of	of	ADP
hassl-4116	466	4	trust	trust	NOUN
hassl-4116	466	5	,	,	PUNCT
hassl-4116	466	6	risk	risk	NOUN
hassl-4116	466	7	and	and	CCONJ
hassl-4116	466	8	their	their	PRON
hassl-4116	466	9	electronic	electronic	ADJ
hassl-4116	466	10	commerce	commerce	NOUN
hassl-4116	466	11	:	:	PUNCT
hassl-4116	466	12	the	the	DET
hassl-4116	466	13	need	need	NOUN
hassl-4116	466	14	for	for	ADP
hassl-4116	466	15	clarifications	clarification	NOUN
hassl-4116	466	16	.	.	PUNCT
hassl-4116	467	1	paper	paper	NOUN
hassl-4116	467	2	presented	present	VERB
hassl-4116	467	3	at	at	ADP
hassl-4116	467	4	the	the	DET
hassl-4116	467	5	proceedings	proceeding	NOUN
hassl-4116	467	6	of	of	ADP
hassl-4116	467	7	the	the	DET
hassl-4116	467	8	36th	36th	ADJ
hassl-4116	467	9	annual	annual	ADJ
hassl-4116	467	10	hawaii	hawaii	PROPN
hassl-4116	467	11	international	international	ADJ
hassl-4116	467	12	conference	conference	NOUN
hassl-4116	467	13	on	on	ADP
hassl-4116	467	14	system	system	NOUN
hassl-4116	467	15	sciences	sciences	PROPN
hassl-4116	467	16	.	.	PUNCT
hassl-4116	468	1	gerlach	gerlach	PROPN
hassl-4116	468	2	,	,	PUNCT
hassl-4116	468	3	j.	j.	PROPN
hassl-4116	468	4	m.	m.	PROPN
hassl-4116	468	5	,	,	PUNCT
hassl-4116	468	6	&	&	CCONJ
hassl-4116	468	7	lutz	lutz	PROPN
hassl-4116	468	8	,	,	PUNCT
hassl-4116	468	9	j.	j.	PROPN
hassl-4116	468	10	k.	k.	PROPN
hassl-4116	468	11	(	(	PUNCT
hassl-4116	468	12	2019	2019	NUM
hassl-4116	468	13	)	)	PUNCT
hassl-4116	468	14	.	.	PUNCT
hassl-4116	469	1	evidence	evidence	NOUN
hassl-4116	469	2	on	on	ADP
hassl-4116	469	3	usage	usage	NOUN
hassl-4116	469	4	behavior	behavior	NOUN
hassl-4116	469	5	and	and	CCONJ
hassl-4116	469	6	future	future	ADJ
hassl-4116	469	7	adoption	adoption	NOUN
hassl-4116	469	8	intention	intention	NOUN
hassl-4116	469	9	of	of	ADP
hassl-4116	469	10	fintechs	fintech	NOUN
hassl-4116	469	11	and	and	CCONJ
hassl-4116	469	12	digital	digital	ADJ
hassl-4116	469	13	finance	finance	NOUN
hassl-4116	469	14	solutions	solution	NOUN
hassl-4116	469	15	.	.	PUNCT
hassl-4116	470	1	the	the	DET
hassl-4116	470	2	international	international	ADJ
hassl-4116	470	3	journal	journal	NOUN
hassl-4116	470	4	of	of	ADP
hassl-4116	470	5	business	business	NOUN
hassl-4116	470	6	and	and	CCONJ
hassl-4116	470	7	finance	finance	NOUN
hassl-4116	470	8	research	research	NOUN
hassl-4116	470	9	,	,	PUNCT
hassl-4116	470	10	13(2	13(2	PROPN
hassl-4116	470	11	)	)	PUNCT
hassl-4116	470	12	,	,	PUNCT
hassl-4116	470	13	83	83	NUM
hassl-4116	470	14	-	-	SYM
hassl-4116	470	15	105	105	NUM
hassl-4116	470	16	.	.	PUNCT
hassl-4116	471	1	hair	hair	NOUN
hassl-4116	471	2	,	,	PUNCT
hassl-4116	471	3	j.	j.	PROPN
hassl-4116	471	4	f.	f.	PROPN
hassl-4116	471	5	,	,	PUNCT
hassl-4116	471	6	black	black	PROPN
hassl-4116	471	7	,	,	PUNCT
hassl-4116	471	8	w.	w.	PROPN
hassl-4116	471	9	c.	c.	PROPN
hassl-4116	471	10	,	,	PUNCT
hassl-4116	471	11	anderson	anderson	PROPN
hassl-4116	471	12	,	,	PUNCT
hassl-4116	471	13	r.	r.	PROPN
hassl-4116	471	14	e.	e.	PROPN
hassl-4116	471	15	,	,	PUNCT
hassl-4116	471	16	&	&	CCONJ
hassl-4116	471	17	babin	babin	PROPN
hassl-4116	471	18	,	,	PUNCT
hassl-4116	471	19	b.	b.	PROPN
hassl-4116	471	20	j.	j.	PROPN
hassl-4116	471	21	(	(	PUNCT
hassl-4116	471	22	2010	2010	NUM
hassl-4116	471	23	)	)	PUNCT
hassl-4116	471	24	.	.	PUNCT
hassl-4116	472	1	multivariate	multivariate	NOUN
hassl-4116	472	2	data	datum	NOUN
hassl-4116	472	3	analysis	analysis	NOUN
hassl-4116	472	4	(	(	PUNCT
hassl-4116	472	5	7th	7th	ADJ
hassl-4116	472	6	ed	ed	NOUN
hassl-4116	472	7	.	.	PUNCT
hassl-4116	472	8	)	)	PUNCT
hassl-4116	472	9	.	.	PUNCT
hassl-4116	473	1	upper	upper	ADJ
hassl-4116	473	2	saddle	saddle	PROPN
hassl-4116	473	3	river	river	NOUN
hassl-4116	473	4	,	,	PUNCT
hassl-4116	473	5	new	new	PROPN
hassl-4116	473	6	jersey	jersey	PROPN
hassl-4116	473	7	:	:	PUNCT
hassl-4116	473	8	pearson	pearson	PROPN
hassl-4116	473	9	prentice	prentice	PROPN
hassl-4116	473	10	hall	hall	PROPN
hassl-4116	473	11	.	.	PUNCT
hassl-4116	474	1	hair	hair	NOUN
hassl-4116	474	2	,	,	PUNCT
hassl-4116	474	3	j.	j.	PROPN
hassl-4116	474	4	f.	f.	PROPN
hassl-4116	474	5	,	,	PUNCT
hassl-4116	474	6	hult	hult	PROPN
hassl-4116	474	7	,	,	PUNCT
hassl-4116	474	8	g.	g.	PROPN
hassl-4116	474	9	t.	t.	PROPN
hassl-4116	474	10	m.	m.	PROPN
hassl-4116	474	11	,	,	PUNCT
hassl-4116	474	12	ringle	ringle	PROPN
hassl-4116	474	13	,	,	PUNCT
hassl-4116	474	14	c.	c.	PROPN
hassl-4116	474	15	m.	m.	PROPN
hassl-4116	474	16	,	,	PUNCT
hassl-4116	474	17	&	&	CCONJ
hassl-4116	474	18	sarstedt	sarstedt	NOUN
hassl-4116	474	19	,	,	PUNCT
hassl-4116	474	20	m.	m.	NOUN
hassl-4116	474	21	(	(	PUNCT
hassl-4116	474	22	2022	2022	NUM
hassl-4116	474	23	)	)	PUNCT
hassl-4116	474	24	.	.	PUNCT
hassl-4116	475	1	a	a	DET
hassl-4116	475	2	primer	primer	NOUN
hassl-4116	475	3	on	on	ADP
hassl-4116	475	4	partial	partial	ADJ
hassl-4116	475	5	least	least	ADJ
hassl-4116	475	6	squares	square	NOUN
hassl-4116	475	7	structural	structural	ADJ
hassl-4116	475	8	equation	equation	NOUN
hassl-4116	475	9	modeling	modeling	NOUN
hassl-4116	475	10	(	(	PUNCT
hassl-4116	475	11	plssem	plssem	NOUN
hassl-4116	475	12	)	)	PUNCT
hassl-4116	475	13	.	.	PUNCT
hassl-4116	476	1	uk	uk	PROPN
hassl-4116	476	2	:	:	PUNCT
hassl-4116	476	3	sage	sage	NOUN
hassl-4116	476	4	publications	publication	NOUN
hassl-4116	476	5	.	.	PUNCT
hassl-4116	477	1	hasanul	hasanul	PROPN
hassl-4116	477	2	,	,	PUNCT
hassl-4116	477	3	b.	b.	PROPN
hassl-4116	477	4	,	,	PUNCT
hassl-4116	477	5	hassan	hassan	PROPN
hassl-4116	477	6	,	,	PUNCT
hassl-4116	477	7	m.	m.	PROPN
hassl-4116	477	8	k.	k.	PROPN
hassl-4116	477	9	,	,	PUNCT
hassl-4116	477	10	ahmad	ahmad	PROPN
hassl-4116	477	11	,	,	PUNCT
hassl-4116	477	12	r.	r.	PROPN
hassl-4116	477	13	,	,	PUNCT
hassl-4116	477	14	&	&	CCONJ
hassl-4116	477	15	alam	alam	PROPN
hassl-4116	477	16	,	,	PUNCT
hassl-4116	477	17	m.	m.	PROPN
hassl-4116	477	18	r.	r.	PROPN
hassl-4116	477	19	(	(	PUNCT
hassl-4116	477	20	2022	2022	NUM
hassl-4116	477	21	)	)	PUNCT
hassl-4116	477	22	.	.	PUNCT
hassl-4116	478	1	islamic	islamic	ADJ
hassl-4116	478	2	banking	banking	NOUN
hassl-4116	478	3	stability	stability	NOUN
hassl-4116	478	4	amidst	amidst	ADP
hassl-4116	478	5	the	the	DET
hassl-4116	478	6	covid-19	covid-19	PROPN
hassl-4116	478	7	pandemic	pandemic	NOUN
hassl-4116	478	8	:	:	PUNCT
hassl-4116	478	9	the	the	DET
hassl-4116	478	10	role	role	NOUN
hassl-4116	478	11	of	of	ADP
hassl-4116	478	12	digital	digital	ADJ
hassl-4116	478	13	financial	financial	ADJ
hassl-4116	478	14	inclusion	inclusion	NOUN
hassl-4116	478	15	.	.	PUNCT
hassl-4116	479	1	international	international	ADJ
hassl-4116	479	2	journal	journal	PROPN
hassl-4116	479	3	of	of	ADP
hassl-4116	479	4	islamic	islamic	ADJ
hassl-4116	479	5	and	and	CCONJ
hassl-4116	479	6	middle	middle	ADJ
hassl-4116	479	7	eastern	eastern	ADJ
hassl-4116	479	8	finance	finance	NOUN
hassl-4116	479	9	and	and	CCONJ
hassl-4116	479	10	management	management	NOUN
hassl-4116	479	11	,	,	PUNCT
hassl-4116	479	12	7(1	7(1	NUM
hassl-4116	479	13	)	)	PUNCT
hassl-4116	479	14	,	,	PUNCT
hassl-4116	479	15	310	310	NUM
hassl-4116	479	16	–	–	PUNCT
hassl-4116	479	17	330	330	NUM
hassl-4116	479	18	.	.	PUNCT
hassl-4116	480	1	hassan	hassan	PROPN
hassl-4116	480	2	,	,	PUNCT
hassl-4116	480	3	m.	m.	PROPN
hassl-4116	480	4	s.	s.	PROPN
hassl-4116	480	5	,	,	PUNCT
hassl-4116	480	6	islam	islam	PROPN
hassl-4116	480	7	,	,	PUNCT
hassl-4116	480	8	m.	m.	NOUN
hassl-4116	480	9	a.	a.	PROPN
hassl-4116	480	10	,	,	PUNCT
hassl-4116	480	11	sobhani	sobhani	PROPN
hassl-4116	480	12	,	,	PUNCT
hassl-4116	480	13	f.	f.	PROPN
hassl-4116	480	14	a.	a.	PROPN
hassl-4116	480	15	,	,	PUNCT
hassl-4116	480	16	nasir	nasir	PROPN
hassl-4116	480	17	,	,	PUNCT
hassl-4116	480	18	h.	h.	PROPN
hassl-4116	480	19	,	,	PUNCT
hassl-4116	480	20	mahmud	mahmud	PROPN
hassl-4116	480	21	,	,	PUNCT
hassl-4116	480	22	i.	i.	PROPN
hassl-4116	480	23	,	,	PUNCT
hassl-4116	480	24	&	&	CCONJ
hassl-4116	480	25	zahra	zahra	PROPN
hassl-4116	480	26	,	,	PUNCT
hassl-4116	480	27	f.	f.	PROPN
hassl-4116	480	28	t.	t.	PROPN
hassl-4116	480	29	(	(	PUNCT
hassl-4116	480	30	2022	2022	NUM
hassl-4116	480	31	)	)	PUNCT
hassl-4116	480	32	.	.	PUNCT
hassl-4116	481	1	drivers	driver	NOUN
hassl-4116	481	2	influencing	influence	VERB
hassl-4116	481	3	the	the	DET
hassl-4116	481	4	adoption	adoption	NOUN
hassl-4116	481	5	intention	intention	NOUN
hassl-4116	481	6	towards	towards	ADP
hassl-4116	481	7	mobile	mobile	ADJ
hassl-4116	481	8	fintech	fintech	NOUN
hassl-4116	481	9	services	service	NOUN
hassl-4116	481	10	:	:	PUNCT
hassl-4116	481	11	a	a	DET
hassl-4116	481	12	study	study	NOUN
hassl-4116	481	13	on	on	ADP
hassl-4116	481	14	the	the	DET
hassl-4116	481	15	emerging	emerge	VERB
hassl-4116	481	16	bangladesh	bangladesh	NOUN
hassl-4116	481	17	market	market	NOUN
hassl-4116	481	18	.	.	PUNCT
hassl-4116	482	1	information	information	NOUN
hassl-4116	482	2	,	,	PUNCT
hassl-4116	482	3	13(7	13(7	NUM
hassl-4116	482	4	)	)	PUNCT
hassl-4116	482	5	,	,	PUNCT
hassl-4116	482	6	349	349	NUM
hassl-4116	482	7	.	.	PUNCT
hassl-4116	483	1	https://doi.org/10.3390/info13070349	https://doi.org/10.3390/info13070349	PROPN
hassl-4116	483	2	hu	hu	PROPN
hassl-4116	483	3	,	,	PUNCT
hassl-4116	483	4	z.	z.	PROPN
hassl-4116	483	5	,	,	PUNCT
hassl-4116	483	6	ding	ding	PROPN
hassl-4116	483	7	,	,	PUNCT
hassl-4116	483	8	s.	s.	PROPN
hassl-4116	483	9	,	,	PUNCT
hassl-4116	483	10	li	li	PROPN
hassl-4116	483	11	,	,	PUNCT
hassl-4116	483	12	s.	s.	PROPN
hassl-4116	483	13	,	,	PUNCT
hassl-4116	483	14	chen	chen	PROPN
hassl-4116	483	15	,	,	PUNCT
hassl-4116	483	16	l.	l.	PROPN
hassl-4116	483	17	,	,	PUNCT
hassl-4116	483	18	&	&	CCONJ
hassl-4116	483	19	yang	yang	PROPN
hassl-4116	483	20	,	,	PUNCT
hassl-4116	483	21	s.	s.	PROPN
hassl-4116	483	22	(	(	PUNCT
hassl-4116	483	23	2019	2019	NUM
hassl-4116	483	24	)	)	PUNCT
hassl-4116	483	25	.	.	PUNCT
hassl-4116	484	1	adoption	adoption	PROPN
hassl-4116	484	2	intention	intention	NOUN
hassl-4116	484	3	of	of	ADP
hassl-4116	484	4	fintech	fintech	NOUN
hassl-4116	484	5	services	service	NOUN
hassl-4116	484	6	for	for	ADP
hassl-4116	484	7	bank	bank	NOUN
hassl-4116	484	8	users	user	NOUN
hassl-4116	484	9	:	:	PUNCT
hassl-4116	484	10	an	an	DET
hassl-4116	484	11	empirical	empirical	ADJ
hassl-4116	484	12	examination	examination	NOUN
hassl-4116	484	13	with	with	ADP
hassl-4116	484	14	an	an	DET
hassl-4116	484	15	extended	extend	VERB
hassl-4116	484	16	technology	technology	NOUN
hassl-4116	484	17	acceptance	acceptance	NOUN
hassl-4116	484	18	model	model	NOUN
hassl-4116	484	19	.	.	PUNCT
hassl-4116	485	1	symmetry	symmetry	PROPN
hassl-4116	485	2	,	,	PUNCT
hassl-4116	485	3	11(3	11(3	NUM
hassl-4116	485	4	)	)	PUNCT
hassl-4116	485	5	,	,	PUNCT
hassl-4116	485	6	340	340	NUM
hassl-4116	485	7	.	.	PUNCT
hassl-4116	486	1	https://doi.org/10.3390/sym11030340	https://doi.org/10.3390/sym11030340	NUM
hassl-4116	486	2	hutapea	hutapea	PROPN
hassl-4116	486	3	,	,	PUNCT
hassl-4116	486	4	r.	r.	PROPN
hassl-4116	486	5	s.	s.	PROPN
hassl-4116	486	6	,	,	PUNCT
hassl-4116	486	7	&	&	CCONJ
hassl-4116	486	8	wijaya	wijaya	PROPN
hassl-4116	486	9	,	,	PUNCT
hassl-4116	486	10	e.	e.	PROPN
hassl-4116	486	11	(	(	PUNCT
hassl-4116	486	12	2021	2021	NUM
hassl-4116	486	13	)	)	PUNCT
hassl-4116	486	14	.	.	PUNCT
hassl-4116	487	1	perceived	perceive	VERB
hassl-4116	487	2	risk	risk	NOUN
hassl-4116	487	3	,	,	PUNCT
hassl-4116	487	4	trust	trust	NOUN
hassl-4116	487	5	,	,	PUNCT
hassl-4116	487	6	and	and	CCONJ
hassl-4116	487	7	intention	intention	NOUN
hassl-4116	487	8	to	to	PART
hassl-4116	487	9	use	use	VERB
hassl-4116	487	10	fintech	fintech	NOUN
hassl-4116	487	11	service	service	NOUN
hassl-4116	487	12	during	during	ADP
hassl-4116	487	13	the	the	DET
hassl-4116	487	14	covid-19	covid-19	PROPN
hassl-4116	487	15	pandemic	pandemic	NOUN
hassl-4116	487	16	.	.	PUNCT
hassl-4116	487	17	paper	paper	NOUN
hassl-4116	487	18	presented	present	VERB
hassl-4116	487	19	at	at	ADP
hassl-4116	487	20	the	the	DET
hassl-4116	487	21	proceedings	proceeding	NOUN
hassl-4116	487	22	of	of	ADP
hassl-4116	487	23	the	the	DET
hassl-4116	487	24	2nd	2nd	ADJ
hassl-4116	487	25	international	international	ADJ
hassl-4116	487	26	seminar	seminar	NOUN
hassl-4116	487	27	of	of	ADP
hassl-4116	487	28	science	science	NOUN
hassl-4116	487	29	and	and	CCONJ
hassl-4116	487	30	applied	apply	VERB
hassl-4116	487	31	technology	technology	NOUN
hassl-4116	487	32	(	(	PUNCT
hassl-4116	487	33	issat	issat	PROPN
hassl-4116	487	34	)	)	PUNCT
hassl-4116	487	35	,	,	PUNCT
hassl-4116	487	36	656–661	656–661	NUM
hassl-4116	487	37	.	.	PUNCT
hassl-4116	488	1	irimia	irimia	NOUN
hassl-4116	488	2	-	-	PUNCT
hassl-4116	488	3	diéguez	diéguez	NOUN
hassl-4116	488	4	,	,	PUNCT
hassl-4116	488	5	a.	a.	NOUN
hassl-4116	488	6	,	,	PUNCT
hassl-4116	488	7	velicia	velicia	NOUN
hassl-4116	488	8	-	-	PUNCT
hassl-4116	488	9	martín	martín	NOUN
hassl-4116	488	10	,	,	PUNCT
hassl-4116	488	11	f.	f.	PROPN
hassl-4116	488	12	,	,	PUNCT
hassl-4116	488	13	&	&	CCONJ
hassl-4116	488	14	aguayo	aguayo	PROPN
hassl-4116	488	15	-	-	PUNCT
hassl-4116	488	16	camacho	camacho	PROPN
hassl-4116	488	17	,	,	PUNCT
hassl-4116	488	18	m.	m.	NOUN
hassl-4116	488	19	(	(	PUNCT
hassl-4116	488	20	2023	2023	NUM
hassl-4116	488	21	)	)	PUNCT
hassl-4116	488	22	.	.	PUNCT
hassl-4116	489	1	predicting	predict	VERB
hassl-4116	489	2	fintech	fintech	NOUN
hassl-4116	489	3	innovation	innovation	NOUN
hassl-4116	489	4	adoption	adoption	NOUN
hassl-4116	489	5	:	:	PUNCT
hassl-4116	489	6	the	the	DET
hassl-4116	489	7	mediator	mediator	NOUN
hassl-4116	489	8	role	role	NOUN
hassl-4116	489	9	of	of	ADP
hassl-4116	489	10	social	social	ADJ
hassl-4116	489	11	norms	norm	NOUN
hassl-4116	489	12	and	and	CCONJ
hassl-4116	489	13	attitudes	attitude	NOUN
hassl-4116	489	14	.	.	PUNCT
hassl-4116	490	1	financial	financial	ADJ
hassl-4116	490	2	innovation	innovation	NOUN
hassl-4116	490	3	,	,	PUNCT
hassl-4116	490	4	9(1	9(1	NUM
hassl-4116	490	5	)	)	PUNCT
hassl-4116	490	6	,	,	PUNCT
hassl-4116	490	7	36	36	NUM
hassl-4116	490	8	.	.	PUNCT
hassl-4116	491	1	https://doi.org/10.1186/s40854-022-00434-6	https://doi.org/10.1186/s40854-022-00434-6	NUM
hassl-4116	491	2	irso	irso	NOUN
hassl-4116	491	3	.	.	PUNCT
hassl-4116	492	1	(	(	PUNCT
hassl-4116	492	2	2023	2023	NUM
hassl-4116	492	3	)	)	PUNCT
hassl-4116	492	4	.	.	PUNCT
hassl-4116	493	1	government	government	NOUN
hassl-4116	493	2	encourages	encourage	VERB
hassl-4116	493	3	creation	creation	NOUN
hassl-4116	493	4	of	of	ADP
hassl-4116	493	5	conducive	conducive	ADJ
hassl-4116	493	6	digital	digital	ADJ
hassl-4116	493	7	ecosystem	ecosystem	NOUN
hassl-4116	493	8	.	.	PUNCT
hassl-4116	494	1	indonesia	indonesia	PROPN
hassl-4116	494	2	:	:	PUNCT
hassl-4116	495	1	kominfo.go.id	kominfo.go.id	PROPN
hassl-4116	495	2	.	.	PROPN
hassl-4116	495	3	jain	jain	PROPN
hassl-4116	495	4	,	,	PUNCT
hassl-4116	495	5	n.	n.	PROPN
hassl-4116	495	6	,	,	PUNCT
hassl-4116	495	7	&	&	CCONJ
hassl-4116	495	8	raman	raman	NOUN
hassl-4116	495	9	,	,	PUNCT
hassl-4116	495	10	t.	t.	PROPN
hassl-4116	495	11	(	(	PUNCT
hassl-4116	495	12	2023	2023	NUM
hassl-4116	495	13	)	)	PUNCT
hassl-4116	495	14	.	.	PUNCT
hassl-4116	496	1	the	the	DET
hassl-4116	496	2	interplay	interplay	NOUN
hassl-4116	496	3	of	of	ADP
hassl-4116	496	4	perceived	perceive	VERB
hassl-4116	496	5	risk	risk	NOUN
hassl-4116	496	6	,	,	PUNCT
hassl-4116	496	7	perceive	perceive	ADJ
hassl-4116	496	8	benefit	benefit	NOUN
hassl-4116	496	9	and	and	CCONJ
hassl-4116	496	10	generation	generation	NOUN
hassl-4116	496	11	cohort	cohort	NOUN
hassl-4116	496	12	in	in	ADP
hassl-4116	496	13	digital	digital	ADJ
hassl-4116	496	14	finance	finance	NOUN
hassl-4116	496	15	adoption	adoption	NOUN
hassl-4116	496	16	.	.	PUNCT
hassl-4116	497	1	euromed	eurome	VERB
hassl-4116	497	2	journal	journal	PROPN
hassl-4116	497	3	of	of	ADP
hassl-4116	497	4	business	business	NOUN
hassl-4116	497	5	,	,	PUNCT
hassl-4116	497	6	18(3	18(3	NUM
hassl-4116	497	7	)	)	PUNCT
hassl-4116	497	8	,	,	PUNCT
hassl-4116	497	9	359	359	NUM
hassl-4116	497	10	-	-	SYM
hassl-4116	497	11	379	379	NUM
hassl-4116	497	12	.	.	PUNCT
hassl-4116	498	1	https://doi.org/10.1108/emjb-09-2021-0132	https://doi.org/10.1108/emjb-09-2021-0132	PROPN
hassl-4116	498	2	jangir	jangir	PROPN
hassl-4116	498	3	,	,	PUNCT
hassl-4116	498	4	k.	k.	PROPN
hassl-4116	498	5	,	,	PUNCT
hassl-4116	498	6	sharma	sharma	PROPN
hassl-4116	498	7	,	,	PUNCT
hassl-4116	498	8	v.	v.	ADV
hassl-4116	498	9	,	,	PUNCT
hassl-4116	498	10	taneja	taneja	ADV
hassl-4116	498	11	,	,	PUNCT
hassl-4116	498	12	s.	s.	PROPN
hassl-4116	498	13	,	,	PUNCT
hassl-4116	498	14	&	&	CCONJ
hassl-4116	498	15	rupeika	rupeika	NOUN
hassl-4116	498	16	-	-	PUNCT
hassl-4116	498	17	apoga	apoga	PROPN
hassl-4116	498	18	,	,	PUNCT
hassl-4116	498	19	r.	r.	PROPN
hassl-4116	498	20	(	(	PUNCT
hassl-4116	498	21	2022	2022	NUM
hassl-4116	498	22	)	)	PUNCT
hassl-4116	498	23	.	.	PUNCT
hassl-4116	499	1	the	the	DET
hassl-4116	499	2	moderating	moderate	VERB
hassl-4116	499	3	effect	effect	NOUN
hassl-4116	499	4	of	of	ADP
hassl-4116	499	5	perceived	perceive	VERB
hassl-4116	499	6	risk	risk	NOUN
hassl-4116	499	7	on	on	ADP
hassl-4116	499	8	users	user	NOUN
hassl-4116	499	9	’	’	PART
hassl-4116	499	10	continuance	continuance	NOUN
hassl-4116	499	11	intention	intention	NOUN
hassl-4116	499	12	for	for	ADP
hassl-4116	499	13	fintech	fintech	NOUN
hassl-4116	499	14	services	service	NOUN
hassl-4116	499	15	.	.	PUNCT
hassl-4116	500	1	journal	journal	NOUN
hassl-4116	500	2	of	of	ADP
hassl-4116	500	3	risk	risk	NOUN
hassl-4116	500	4	and	and	CCONJ
hassl-4116	500	5	financial	financial	ADJ
hassl-4116	500	6	management	management	NOUN
hassl-4116	500	7	,	,	PUNCT
hassl-4116	500	8	16(1	16(1	NUM
hassl-4116	500	9	)	)	PUNCT
hassl-4116	500	10	,	,	PUNCT
hassl-4116	500	11	21	21	NUM
hassl-4116	500	12	.	.	PUNCT
hassl-4116	501	1	https://doi.org/10.3390/jrfm16010021	https://doi.org/10.3390/jrfm16010021	NOUN
hassl-4116	501	2	kanchanatanee	kanchanatanee	PROPN
hassl-4116	501	3	,	,	PUNCT
hassl-4116	501	4	k.	k.	PROPN
hassl-4116	501	5	,	,	PUNCT
hassl-4116	501	6	suwanno	suwanno	VERB
hassl-4116	501	7	,	,	PUNCT
hassl-4116	501	8	n.	n.	NOUN
hassl-4116	501	9	,	,	PUNCT
hassl-4116	501	10	&	&	CCONJ
hassl-4116	501	11	jarernvongrayab	jarernvongrayab	PROPN
hassl-4116	501	12	,	,	PUNCT
hassl-4116	501	13	a.	a.	NOUN
hassl-4116	501	14	(	(	PUNCT
hassl-4116	501	15	2014	2014	NUM
hassl-4116	501	16	)	)	PUNCT
hassl-4116	501	17	.	.	PUNCT
hassl-4116	502	1	effects	effect	NOUN
hassl-4116	502	2	of	of	ADP
hassl-4116	502	3	attitude	attitude	NOUN
hassl-4116	502	4	toward	toward	ADP
hassl-4116	502	5	using	use	VERB
hassl-4116	502	6	,	,	PUNCT
hassl-4116	502	7	perceived	perceive	VERB
hassl-4116	502	8	usefulness	usefulness	NOUN
hassl-4116	502	9	,	,	PUNCT
hassl-4116	502	10	perceived	perceive	VERB
hassl-4116	502	11	ease	ease	NOUN
hassl-4116	502	12	of	of	ADP
hassl-4116	502	13	use	use	NOUN
hassl-4116	502	14	and	and	CCONJ
hassl-4116	502	15	perceived	perceive	VERB
hassl-4116	502	16	compatibility	compatibility	NOUN
hassl-4116	502	17	on	on	ADP
hassl-4116	502	18	intention	intention	NOUN
hassl-4116	502	19	to	to	PART
hassl-4116	502	20	use	use	VERB
hassl-4116	502	21	e	e	NOUN
hassl-4116	502	22	-	-	NOUN
hassl-4116	502	23	marketing	marketing	NOUN
hassl-4116	502	24	.	.	PUNCT
hassl-4116	503	1	journal	journal	PROPN
hassl-4116	503	2	of	of	ADP
hassl-4116	503	3	management	management	NOUN
hassl-4116	503	4	research	research	NOUN
hassl-4116	503	5	,	,	PUNCT
hassl-4116	503	6	6(3	6(3	NUM
hassl-4116	503	7	)	)	PUNCT
hassl-4116	503	8	,	,	PUNCT
hassl-4116	503	9	1	1	X
hassl-4116	503	10	.	.	PUNCT
hassl-4116	503	11	https://doi.org/10.5296/jmr.v6i3.5573	https://doi.org/10.5296/jmr.v6i3.5573	PROPN
hassl-4116	503	12	kesharwani	kesharwani	PROPN
hassl-4116	503	13	,	,	PUNCT
hassl-4116	503	14	a.	a.	PROPN
hassl-4116	503	15	,	,	PUNCT
hassl-4116	503	16	&	&	CCONJ
hassl-4116	503	17	singh	singh	PROPN
hassl-4116	503	18	bisht	bisht	PROPN
hassl-4116	503	19	,	,	PUNCT
hassl-4116	503	20	s.	s.	PROPN
hassl-4116	503	21	(	(	PUNCT
hassl-4116	503	22	2012	2012	NUM
hassl-4116	503	23	)	)	PUNCT
hassl-4116	503	24	.	.	PUNCT
hassl-4116	504	1	the	the	DET
hassl-4116	504	2	impact	impact	NOUN
hassl-4116	504	3	of	of	ADP
hassl-4116	504	4	trust	trust	NOUN
hassl-4116	504	5	and	and	CCONJ
hassl-4116	504	6	perceived	perceive	VERB
hassl-4116	504	7	risk	risk	NOUN
hassl-4116	504	8	on	on	ADP
hassl-4116	504	9	internet	internet	NOUN
hassl-4116	504	10	banking	banking	NOUN
hassl-4116	504	11	adoption	adoption	NOUN
hassl-4116	504	12	in	in	ADP
hassl-4116	504	13	india	india	PROPN
hassl-4116	504	14	:	:	PUNCT
hassl-4116	504	15	an	an	DET
hassl-4116	504	16	extension	extension	NOUN
hassl-4116	504	17	of	of	ADP
hassl-4116	504	18	technology	technology	NOUN
hassl-4116	504	19	acceptance	acceptance	NOUN
hassl-4116	504	20	model	model	NOUN
hassl-4116	504	21	.	.	PUNCT
hassl-4116	505	1	international	international	ADJ
hassl-4116	505	2	journal	journal	PROPN
hassl-4116	505	3	of	of	ADP
hassl-4116	505	4	bank	bank	PROPN
hassl-4116	505	5	marketing	marketing	NOUN
hassl-4116	505	6	,	,	PUNCT
hassl-4116	505	7	30(4	30(4	NUM
hassl-4116	505	8	)	)	PUNCT
hassl-4116	505	9	,	,	PUNCT
hassl-4116	505	10	303	303	NUM
hassl-4116	505	11	-	-	SYM
hassl-4116	505	12	322	322	NUM
hassl-4116	505	13	.	.	PUNCT
hassl-4116	506	1	https://doi.org/10.1108/02652321211236923	https://doi.org/10.1108/02652321211236923	PUNCT
hassl-4116	507	1	kim	kim	PROPN
hassl-4116	507	2	,	,	PUNCT
hassl-4116	507	3	c.	c.	PROPN
hassl-4116	507	4	,	,	PUNCT
hassl-4116	507	5	galliers	gallier	NOUN
hassl-4116	507	6	,	,	PUNCT
hassl-4116	507	7	r.	r.	PROPN
hassl-4116	507	8	d.	d.	PROPN
hassl-4116	507	9	,	,	PUNCT
hassl-4116	507	10	shin	shin	PROPN
hassl-4116	507	11	,	,	PUNCT
hassl-4116	507	12	n.	n.	NOUN
hassl-4116	507	13	,	,	PUNCT
hassl-4116	507	14	ryoo	ryoo	NOUN
hassl-4116	507	15	,	,	PUNCT
hassl-4116	507	16	j.	j.	PROPN
hassl-4116	507	17	,	,	PUNCT
hassl-4116	507	18	&	&	CCONJ
hassl-4116	507	19	kim	kim	PROPN
hassl-4116	507	20	,	,	PUNCT
hassl-4116	507	21	j.	j.	PROPN
hassl-4116	507	22	(	(	PUNCT
hassl-4116	507	23	2012	2012	NUM
hassl-4116	507	24	)	)	PUNCT
hassl-4116	507	25	.	.	PUNCT
hassl-4116	508	1	factors	factor	NOUN
hassl-4116	508	2	influencing	influence	VERB
hassl-4116	508	3	internet	internet	NOUN
hassl-4116	508	4	shopping	shopping	NOUN
hassl-4116	508	5	value	value	NOUN
hassl-4116	508	6	and	and	CCONJ
hassl-4116	508	7	customer	customer	NOUN
hassl-4116	508	8	repurchase	repurchase	VERB
hassl-4116	508	9	intention	intention	NOUN
hassl-4116	508	10	.	.	PUNCT
hassl-4116	509	1	electronic	electronic	ADJ
hassl-4116	509	2	commerce	commerce	NOUN
hassl-4116	509	3	research	research	NOUN
hassl-4116	509	4	and	and	CCONJ
hassl-4116	509	5	applications	application	NOUN
hassl-4116	509	6	,	,	PUNCT
hassl-4116	509	7	11(4	11(4	NUM
hassl-4116	509	8	)	)	PUNCT
hassl-4116	509	9	,	,	PUNCT
hassl-4116	509	10	374	374	NUM
hassl-4116	509	11	-	-	SYM
hassl-4116	509	12	387	387	NUM
hassl-4116	509	13	.	.	PUNCT
hassl-4116	509	14	https://doi.org/10.1016/j.elerap.2012.04.002	https://doi.org/10.1016/j.elerap.2012.04.002	PROPN
hassl-4116	509	15	kim	kim	PROPN
hassl-4116	509	16	,	,	PUNCT
hassl-4116	509	17	k.	k.	PROPN
hassl-4116	509	18	,	,	PUNCT
hassl-4116	509	19	kim	kim	PROPN
hassl-4116	509	20	,	,	PUNCT
hassl-4116	509	21	k.	k.	PROPN
hassl-4116	509	22	,	,	PUNCT
hassl-4116	509	23	lee	lee	PROPN
hassl-4116	509	24	,	,	PUNCT
hassl-4116	509	25	d.	d.	PROPN
hassl-4116	509	26	,	,	PUNCT
hassl-4116	509	27	&	&	CCONJ
hassl-4116	509	28	kim	kim	PROPN
hassl-4116	509	29	,	,	PUNCT
hassl-4116	509	30	m.	m.	NOUN
hassl-4116	509	31	(	(	PUNCT
hassl-4116	509	32	2019	2019	NUM
hassl-4116	509	33	)	)	PUNCT
hassl-4116	509	34	.	.	PUNCT
hassl-4116	510	1	identification	identification	NOUN
hassl-4116	510	2	of	of	ADP
hassl-4116	510	3	critical	critical	ADJ
hassl-4116	510	4	quality	quality	NOUN
hassl-4116	510	5	dimensions	dimension	NOUN
hassl-4116	510	6	for	for	ADP
hassl-4116	510	7	continuance	continuance	NOUN
hassl-4116	510	8	intention	intention	NOUN
hassl-4116	510	9	in	in	ADP
hassl-4116	510	10	mhealth	mhealth	NOUN
hassl-4116	510	11	services	service	NOUN
hassl-4116	510	12	:	:	PUNCT
hassl-4116	510	13	case	case	NOUN
hassl-4116	510	14	study	study	NOUN
hassl-4116	510	15	of	of	ADP
hassl-4116	510	16	onecare	onecare	ADJ
hassl-4116	510	17	service	service	PROPN
hassl-4116	510	18	.	.	PUNCT
hassl-4116	511	1	international	international	ADJ
hassl-4116	511	2	journal	journal	PROPN
hassl-4116	511	3	of	of	ADP
hassl-4116	511	4	information	information	NOUN
hassl-4116	511	5	management	management	NOUN
hassl-4116	511	6	,	,	PUNCT
hassl-4116	511	7	46	46	NUM
hassl-4116	511	8	,	,	PUNCT
hassl-4116	511	9	187	187	NUM
hassl-4116	511	10	-	-	SYM
hassl-4116	511	11	197	197	NUM
hassl-4116	511	12	.	.	PUNCT
hassl-4116	512	1	https://doi.org/10.1016/j.ijinfomgt.2018.12.008	https://doi.org/10.1016/j.ijinfomgt.2018.12.008	PROPN
hassl-4116	512	2	knewtson	knewtson	PROPN
hassl-4116	512	3	,	,	PUNCT
hassl-4116	512	4	h.	h.	PROPN
hassl-4116	512	5	s.	s.	PROPN
hassl-4116	512	6	,	,	PUNCT
hassl-4116	512	7	&	&	CCONJ
hassl-4116	512	8	rosenbaum	rosenbaum	PROPN
hassl-4116	512	9	,	,	PUNCT
hassl-4116	512	10	z.	z.	PROPN
hassl-4116	512	11	a.	a.	PROPN
hassl-4116	512	12	(	(	PUNCT
hassl-4116	512	13	2020	2020	NUM
hassl-4116	512	14	)	)	PUNCT
hassl-4116	512	15	.	.	PUNCT
hassl-4116	513	1	toward	toward	ADP
hassl-4116	513	2	understanding	understand	VERB
hassl-4116	513	3	fintech	fintech	NOUN
hassl-4116	513	4	and	and	CCONJ
hassl-4116	513	5	its	its	PRON
hassl-4116	513	6	industry	industry	NOUN
hassl-4116	513	7	.	.	PUNCT
hassl-4116	514	1	managerial	managerial	ADJ
hassl-4116	514	2	finance	finance	NOUN
hassl-4116	514	3	,	,	PUNCT
hassl-4116	514	4	46(8	46(8	NOUN
hassl-4116	514	5	)	)	PUNCT
hassl-4116	514	6	,	,	PUNCT
hassl-4116	514	7	10431060	10431060	NUM
hassl-4116	514	8	.	.	PUNCT
hassl-4116	515	1	https://doi.org/10.1108/mf-01-2020-0024	https://doi.org/10.1108/mf-01-2020-0024	PROPN
hassl-4116	515	2	kumar	kumar	PROPN
hassl-4116	515	3	,	,	PUNCT
hassl-4116	515	4	s.	s.	PROPN
hassl-4116	515	5	,	,	PUNCT
hassl-4116	515	6	li	li	PROPN
hassl-4116	515	7	,	,	PUNCT
hassl-4116	515	8	a.	a.	PROPN
hassl-4116	515	9	,	,	PUNCT
hassl-4116	515	10	wong	wong	PROPN
hassl-4116	515	11	,	,	PUNCT
hassl-4116	515	12	h.	h.	PROPN
hassl-4116	515	13	,	,	PUNCT
hassl-4116	515	14	chauhan	chauhan	PROPN
hassl-4116	515	15	,	,	PUNCT
hassl-4116	515	16	h.	h.	PROPN
hassl-4116	515	17	,	,	PUNCT
hassl-4116	515	18	shubhankar	shubhankar	PROPN
hassl-4116	515	19	,	,	PUNCT
hassl-4116	515	20	s.	s.	PROPN
hassl-4116	515	21	,	,	PUNCT
hassl-4116	515	22	&	&	CCONJ
hassl-4116	515	23	oetama	oetama	NOUN
hassl-4116	515	24	,	,	PUNCT
hassl-4116	515	25	i.	i.	NOUN
hassl-4116	515	26	(	(	PUNCT
hassl-4116	515	27	2023	2023	NUM
hassl-4116	515	28	)	)	PUNCT
hassl-4116	515	29	.	.	PUNCT
hassl-4116	516	1	indonesia	indonesia	PROPN
hassl-4116	516	2	’s	’s	PART
hassl-4116	516	3	fintech	fintech	NOUN
hassl-4116	516	4	industry	industry	NOUN
hassl-4116	516	5	is	be	AUX
hassl-4116	516	6	ready	ready	ADJ
hassl-4116	516	7	to	to	PART
hassl-4116	516	8	rise	rise	VERB
hassl-4116	516	9	boston	boston	PROPN
hassl-4116	516	10	consulting	consulting	PROPN
hassl-4116	516	11	group	group	NOUN
hassl-4116	516	12	.	.	PUNCT
hassl-4116	517	1	retrieved	retrieve	VERB
hassl-4116	517	2	from	from	ADP
hassl-4116	517	3	https://www.bcg.com/publications/2023/fintech-industry-indonesia-growth	https://www.bcg.com/publications/2023/fintech-industry-indonesia-growth	NOUN
hassl-4116	517	4	https://doi.org/10.3390/info13070349	https://doi.org/10.3390/info13070349	NOUN
hassl-4116	517	5	https://doi.org/10.3390/sym11030340	https://doi.org/10.3390/sym11030340	NUM
hassl-4116	517	6	https://doi.org/10.1186/s40854-022-00434-6	https://doi.org/10.1186/s40854-022-00434-6	NUM
hassl-4116	517	7	https://doi.org/10.1108/emjb-09-2021-0132	https://doi.org/10.1108/emjb-09-2021-0132	PROPN
hassl-4116	517	8	https://doi.org/10.3390/jrfm16010021	https://doi.org/10.3390/jrfm16010021	PROPN
hassl-4116	517	9	https://doi.org/10.5296/jmr.v6i3.5573	https://doi.org/10.5296/jmr.v6i3.5573	PROPN
hassl-4116	517	10	https://doi.org/10.1108/02652321211236923	https://doi.org/10.1108/02652321211236923	NUM
hassl-4116	517	11	https://doi.org/10.1016/j.elerap.2012.04.002	https://doi.org/10.1016/j.elerap.2012.04.002	NOUN
hassl-4116	517	12	https://doi.org/10.1016/j.ijinfomgt.2018.12.008	https://doi.org/10.1016/j.ijinfomgt.2018.12.008	PROPN
hassl-4116	517	13	https://doi.org/10.1108/mf-01-2020-0024	https://doi.org/10.1108/mf-01-2020-0024	PROPN
hassl-4116	517	14	https://www.bcg.com/publications/2023/fintech-industry-indonesia-growth	https://www.bcg.com/publications/2023/fintech-industry-indonesia-growth	NOUN
hassl-4116	517	15	humanities	humanity	NOUN
hassl-4116	517	16	and	and	CCONJ
hassl-4116	517	17	social	social	ADJ
hassl-4116	517	18	sciences	science	NOUN
hassl-4116	517	19	letters	letter	NOUN
hassl-4116	517	20	,	,	PUNCT
hassl-4116	517	21	2025	2025	NUM
hassl-4116	517	22	,	,	PUNCT
hassl-4116	517	23	13(2	13(2	NUM
hassl-4116	517	24	):	):	PUNCT
hassl-4116	517	25	409	409	NUM
hassl-4116	517	26	-	-	SYM
hassl-4116	517	27	427	427	NUM
hassl-4116	517	28	425	425	NUM
hassl-4116	517	29	©	©	ADP
hassl-4116	517	30	2025	2025	NUM
hassl-4116	517	31	conscientia	conscientia	PROPN
hassl-4116	517	32	beam	beam	PROPN
hassl-4116	517	33	.	.	PUNCT
hassl-4116	518	1	all	all	DET
hassl-4116	518	2	rights	right	NOUN
hassl-4116	518	3	reserved	reserve	VERB
hassl-4116	518	4	.	.	PUNCT
hassl-4116	519	1	la	la	PROPN
hassl-4116	519	2	rocca	rocca	PROPN
hassl-4116	519	3	,	,	PUNCT
hassl-4116	519	4	m.	m.	NOUN
hassl-4116	519	5	(	(	PUNCT
hassl-4116	519	6	2024	2024	NUM
hassl-4116	519	7	)	)	PUNCT
hassl-4116	519	8	.	.	PUNCT
hassl-4116	520	1	fintech	fintech	NOUN
hassl-4116	520	2	:	:	PUNCT
hassl-4116	520	3	finance	finance	NOUN
hassl-4116	520	4	,	,	PUNCT
hassl-4116	520	5	technologies	technology	NOUN
hassl-4116	520	6	,	,	PUNCT
hassl-4116	520	7	and	and	CCONJ
hassl-4116	520	8	the	the	DET
hassl-4116	520	9	society	society	NOUN
hassl-4116	520	10	.	.	PUNCT
hassl-4116	521	1	digital	digital	ADJ
hassl-4116	521	2	finance	finance	NOUN
hassl-4116	521	3	,	,	PUNCT
hassl-4116	521	4	6(1	6(1	NUM
hassl-4116	521	5	)	)	PUNCT
hassl-4116	521	6	,	,	PUNCT
hassl-4116	521	7	1–2	1–2	NUM
hassl-4116	521	8	.	.	PUNCT
hassl-4116	522	1	https://doi.org/10.1007/s42521024-00111-6	https://doi.org/10.1007/s42521024-00111-6	PROPN
hassl-4116	522	2	lasmini	lasmini	PROPN
hassl-4116	522	3	,	,	PUNCT
hassl-4116	522	4	r.	r.	PROPN
hassl-4116	522	5	s.	s.	PROPN
hassl-4116	522	6	,	,	PUNCT
hassl-4116	522	7	&	&	CCONJ
hassl-4116	522	8	zulvia	zulvia	PROPN
hassl-4116	522	9	,	,	PUNCT
hassl-4116	522	10	y.	y.	PROPN
hassl-4116	522	11	(	(	PUNCT
hassl-4116	522	12	2021	2021	NUM
hassl-4116	522	13	)	)	PUNCT
hassl-4116	522	14	.	.	PUNCT
hassl-4116	523	1	financial	financial	ADJ
hassl-4116	523	2	inclusion	inclusion	NOUN
hassl-4116	523	3	and	and	CCONJ
hassl-4116	523	4	its	its	PRON
hassl-4116	523	5	impact	impact	NOUN
hassl-4116	523	6	on	on	ADP
hassl-4116	523	7	the	the	DET
hassl-4116	523	8	use	use	NOUN
hassl-4116	523	9	of	of	ADP
hassl-4116	523	10	financial	financial	ADJ
hassl-4116	523	11	technology	technology	NOUN
hassl-4116	523	12	in	in	ADP
hassl-4116	523	13	the	the	DET
hassl-4116	523	14	millennial	millennial	ADJ
hassl-4116	523	15	generationl	generationl	NOUN
hassl-4116	523	16	.	.	PUNCT
hassl-4116	524	1	jurnal	jurnal	ADJ
hassl-4116	524	2	inovasi	inovasi	PROPN
hassl-4116	524	3	pendidikan	pendidikan	PROPN
hassl-4116	524	4	ekonomi	ekonomi	PROPN
hassl-4116	524	5	,	,	PUNCT
hassl-4116	524	6	11(1	11(1	NUM
hassl-4116	524	7	)	)	PUNCT
hassl-4116	524	8	,	,	PUNCT
hassl-4116	524	9	45	45	NUM
hassl-4116	524	10	-	-	SYM
hassl-4116	524	11	52	52	NUM
hassl-4116	524	12	.	.	PUNCT
hassl-4116	525	1	lee	lee	PROPN
hassl-4116	525	2	,	,	PUNCT
hassl-4116	525	3	l.	l.	PROPN
hassl-4116	525	4	,	,	PUNCT
hassl-4116	525	5	&	&	CCONJ
hassl-4116	525	6	charles	charles	PROPN
hassl-4116	525	7	,	,	PUNCT
hassl-4116	525	8	v.	v.	PROPN
hassl-4116	525	9	(	(	PUNCT
hassl-4116	525	10	2021	2021	NUM
hassl-4116	525	11	)	)	PUNCT
hassl-4116	525	12	.	.	PUNCT
hassl-4116	526	1	the	the	DET
hassl-4116	526	2	impact	impact	NOUN
hassl-4116	526	3	of	of	ADP
hassl-4116	526	4	consumers	consumer	NOUN
hassl-4116	526	5	’	’	PART
hassl-4116	526	6	perceptions	perception	NOUN
hassl-4116	526	7	regarding	regard	VERB
hassl-4116	526	8	the	the	DET
hassl-4116	526	9	ethics	ethic	NOUN
hassl-4116	526	10	of	of	ADP
hassl-4116	526	11	online	online	ADJ
hassl-4116	526	12	retailers	retailer	NOUN
hassl-4116	526	13	and	and	CCONJ
hassl-4116	526	14	promotional	promotional	ADJ
hassl-4116	526	15	strategy	strategy	NOUN
hassl-4116	526	16	on	on	ADP
hassl-4116	526	17	their	their	PRON
hassl-4116	526	18	repurchase	repurchase	NOUN
hassl-4116	526	19	intention	intention	NOUN
hassl-4116	526	20	.	.	PUNCT
hassl-4116	527	1	international	international	ADJ
hassl-4116	527	2	journal	journal	PROPN
hassl-4116	527	3	of	of	ADP
hassl-4116	527	4	information	information	NOUN
hassl-4116	527	5	management	management	NOUN
hassl-4116	527	6	,	,	PUNCT
hassl-4116	527	7	57	57	NUM
hassl-4116	527	8	,	,	PUNCT
hassl-4116	527	9	102264	102264	NUM
hassl-4116	527	10	.	.	PUNCT
hassl-4116	528	1	https://doi.org/10.1016/j.ijinfomgt.2020.102264	https://doi.org/10.1016/j.ijinfomgt.2020.102264	PROPN
hassl-4116	528	2	li	li	PROPN
hassl-4116	528	3	,	,	PUNCT
hassl-4116	528	4	c.	c.	PROPN
hassl-4116	528	5	,	,	PUNCT
hassl-4116	528	6	khaliq	khaliq	ADV
hassl-4116	528	7	,	,	PUNCT
hassl-4116	528	8	n.	n.	NOUN
hassl-4116	528	9	,	,	PUNCT
hassl-4116	528	10	chinove	chinove	NOUN
hassl-4116	528	11	,	,	PUNCT
hassl-4116	528	12	l.	l.	PROPN
hassl-4116	528	13	,	,	PUNCT
hassl-4116	528	14	khaliq	khaliq	ADV
hassl-4116	528	15	,	,	PUNCT
hassl-4116	528	16	u.	u.	PROPN
hassl-4116	528	17	,	,	PUNCT
hassl-4116	528	18	&	&	CCONJ
hassl-4116	528	19	oláh	oláh	PROPN
hassl-4116	528	20	,	,	PUNCT
hassl-4116	528	21	j.	j.	PROPN
hassl-4116	528	22	(	(	PUNCT
hassl-4116	528	23	2023	2023	NUM
hassl-4116	528	24	)	)	PUNCT
hassl-4116	528	25	.	.	PUNCT
hassl-4116	529	1	consumers	consumer	NOUN
hassl-4116	529	2	’	’	PART
hassl-4116	529	3	perception	perception	NOUN
hassl-4116	529	4	of	of	ADP
hassl-4116	529	5	risk	risk	NOUN
hassl-4116	529	6	facets	facet	NOUN
hassl-4116	529	7	associated	associate	VERB
hassl-4116	529	8	with	with	ADP
hassl-4116	529	9	fintech	fintech	NOUN
hassl-4116	529	10	use	use	NOUN
hassl-4116	529	11	:	:	PUNCT
hassl-4116	529	12	evidence	evidence	NOUN
hassl-4116	529	13	from	from	ADP
hassl-4116	529	14	pakistan	pakistan	PROPN
hassl-4116	529	15	.	.	PUNCT
hassl-4116	530	1	sage	sage	NOUN
hassl-4116	530	2	open	open	ADJ
hassl-4116	530	3	,	,	PUNCT
hassl-4116	530	4	13(4	13(4	NUM
hassl-4116	530	5	)	)	PUNCT
hassl-4116	530	6	,	,	PUNCT
hassl-4116	530	7	1	1	NUM
hassl-4116	530	8	-	-	SYM
hassl-4116	530	9	17	17	NUM
hassl-4116	530	10	.	.	PUNCT
hassl-4116	531	1	https://doi.org/10.1177/21582440231200199	https://doi.org/10.1177/21582440231200199	PROPN
hassl-4116	531	2	liu	liu	PROPN
hassl-4116	531	3	,	,	PUNCT
hassl-4116	531	4	q.	q.	PROPN
hassl-4116	531	5	,	,	PUNCT
hassl-4116	531	6	chan	chan	PROPN
hassl-4116	531	7	,	,	PUNCT
hassl-4116	531	8	k.-c	k.-c	PROPN
hassl-4116	531	9	.	.	PUNCT
hassl-4116	531	10	,	,	PUNCT
hassl-4116	531	11	&	&	CCONJ
hassl-4116	531	12	chimhundu	chimhundu	PROPN
hassl-4116	531	13	,	,	PUNCT
hassl-4116	531	14	r.	r.	PROPN
hassl-4116	531	15	(	(	PUNCT
hassl-4116	531	16	2024	2024	NUM
hassl-4116	531	17	)	)	PUNCT
hassl-4116	531	18	.	.	PUNCT
hassl-4116	532	1	fintech	fintech	NOUN
hassl-4116	532	2	research	research	NOUN
hassl-4116	532	3	:	:	PUNCT
hassl-4116	532	4	systematic	systematic	ADJ
hassl-4116	532	5	mapping	mapping	NOUN
hassl-4116	532	6	,	,	PUNCT
hassl-4116	532	7	classification	classification	NOUN
hassl-4116	532	8	,	,	PUNCT
hassl-4116	532	9	and	and	CCONJ
hassl-4116	532	10	future	future	ADJ
hassl-4116	532	11	directions	direction	NOUN
hassl-4116	532	12	.	.	PUNCT
hassl-4116	533	1	financial	financial	ADJ
hassl-4116	533	2	innovation	innovation	NOUN
hassl-4116	533	3	,	,	PUNCT
hassl-4116	533	4	10(1	10(1	NUM
hassl-4116	533	5	)	)	PUNCT
hassl-4116	533	6	,	,	PUNCT
hassl-4116	533	7	24	24	NUM
hassl-4116	533	8	.	.	PUNCT
hassl-4116	534	1	https://doi.org/10.1186/s40854-023-00524-z	https://doi.org/10.1186/s40854-023-00524-z	PROPN
hassl-4116	534	2	mahyarni	mahyarni	NOUN
hassl-4116	534	3	,	,	PUNCT
hassl-4116	534	4	m.	m.	NOUN
hassl-4116	534	5	(	(	PUNCT
hassl-4116	534	6	2013	2013	NUM
hassl-4116	534	7	)	)	PUNCT
hassl-4116	534	8	.	.	PUNCT
hassl-4116	535	1	theory	theory	NOUN
hassl-4116	535	2	of	of	ADP
hassl-4116	535	3	reasoned	reason	VERB
hassl-4116	535	4	action	action	NOUN
hassl-4116	535	5	and	and	CCONJ
hassl-4116	535	6	theory	theory	NOUN
hassl-4116	535	7	of	of	ADP
hassl-4116	535	8	planned	plan	VERB
hassl-4116	535	9	behavior	behavior	NOUN
hassl-4116	535	10	(	(	PUNCT
hassl-4116	535	11	a	a	DET
hassl-4116	535	12	historical	historical	ADJ
hassl-4116	535	13	study	study	NOUN
hassl-4116	535	14	of	of	ADP
hassl-4116	535	15	behavior	behavior	NOUN
hassl-4116	535	16	)	)	PUNCT
hassl-4116	535	17	.	.	PUNCT
hassl-4116	536	1	jurnal	jurnal	ADJ
hassl-4116	536	2	elriyasah	elriyasah	PROPN
hassl-4116	536	3	,	,	PUNCT
hassl-4116	536	4	4(1	4(1	NOUN
hassl-4116	536	5	)	)	PUNCT
hassl-4116	536	6	,	,	PUNCT
hassl-4116	536	7	13	13	NUM
hassl-4116	536	8	-	-	SYM
hassl-4116	536	9	23	23	NUM
hassl-4116	536	10	.	.	PUNCT
hassl-4116	537	1	https://doi.org/10.24014/jel.v4i1.17	https://doi.org/10.24014/jel.v4i1.17	PROPN
hassl-4116	537	2	mamonov	mamonov	PROPN
hassl-4116	537	3	,	,	PUNCT
hassl-4116	537	4	s.	s.	PROPN
hassl-4116	537	5	(	(	PUNCT
hassl-4116	537	6	2020	2020	NUM
hassl-4116	537	7	)	)	PUNCT
hassl-4116	537	8	.	.	PUNCT
hassl-4116	538	1	the	the	DET
hassl-4116	538	2	role	role	NOUN
hassl-4116	538	3	of	of	ADP
hassl-4116	538	4	information	information	NOUN
hassl-4116	538	5	technology	technology	NOUN
hassl-4116	538	6	in	in	ADP
hassl-4116	538	7	fintech	fintech	NOUN
hassl-4116	538	8	innovation	innovation	NOUN
hassl-4116	538	9	:	:	PUNCT
hassl-4116	538	10	insights	insight	NOUN
hassl-4116	538	11	from	from	ADP
hassl-4116	538	12	the	the	DET
hassl-4116	538	13	new	new	PROPN
hassl-4116	538	14	york	york	PROPN
hassl-4116	538	15	city	city	PROPN
hassl-4116	538	16	ecosystem	ecosystem	PROPN
hassl-4116	538	17	.	.	PUNCT
hassl-4116	539	1	paper	paper	NOUN
hassl-4116	539	2	presented	present	VERB
hassl-4116	539	3	at	at	ADP
hassl-4116	539	4	the	the	PRON
hassl-4116	539	5	in	in	ADP
hassl-4116	539	6	responsible	responsible	ADJ
hassl-4116	539	7	design	design	NOUN
hassl-4116	539	8	,	,	PUNCT
hassl-4116	539	9	implementation	implementation	NOUN
hassl-4116	539	10	and	and	CCONJ
hassl-4116	539	11	use	use	NOUN
hassl-4116	539	12	of	of	ADP
hassl-4116	539	13	information	information	NOUN
hassl-4116	539	14	and	and	CCONJ
hassl-4116	539	15	communication	communication	NOUN
hassl-4116	539	16	technology	technology	NOUN
hassl-4116	539	17	:	:	PUNCT
hassl-4116	539	18	19th	19th	ADJ
hassl-4116	539	19	ifip	ifip	ADV
hassl-4116	539	20	wg	wg	PROPN
hassl-4116	539	21	6.11	6.11	NUM
hassl-4116	539	22	conference	conference	NOUN
hassl-4116	539	23	on	on	ADP
hassl-4116	539	24	e	e	NOUN
hassl-4116	539	25	-	-	NOUN
hassl-4116	539	26	business	business	NOUN
hassl-4116	539	27	,	,	PUNCT
hassl-4116	539	28	e	e	NOUN
hassl-4116	539	29	-	-	NOUN
hassl-4116	539	30	services	service	NOUN
hassl-4116	539	31	,	,	PUNCT
hassl-4116	539	32	and	and	CCONJ
hassl-4116	539	33	e	e	NOUN
hassl-4116	539	34	-	-	NOUN
hassl-4116	539	35	society	society	NOUN
hassl-4116	539	36	,	,	PUNCT
hassl-4116	539	37	i3e	i3e	NOUN
hassl-4116	539	38	2020	2020	NUM
hassl-4116	539	39	,	,	PUNCT
hassl-4116	539	40	skukuza	skukuza	PROPN
hassl-4116	539	41	,	,	PUNCT
hassl-4116	539	42	south	south	PROPN
hassl-4116	539	43	africa	africa	PROPN
hassl-4116	539	44	,	,	PUNCT
hassl-4116	539	45	april	april	PROPN
hassl-4116	539	46	6–8	6–8	NUM
hassl-4116	539	47	,	,	PUNCT
hassl-4116	539	48	2020	2020	NUM
hassl-4116	539	49	,	,	PUNCT
hassl-4116	539	50	proceedings	proceeding	NOUN
hassl-4116	539	51	,	,	PUNCT
hassl-4116	539	52	part	part	NOUN
hassl-4116	539	53	i	i	PRON
hassl-4116	539	54	19	19	NUM
hassl-4116	539	55	(	(	PUNCT
hassl-4116	539	56	pp	pp	ADJ
hassl-4116	539	57	.	.	PUNCT
hassl-4116	540	1	313	313	NUM
hassl-4116	540	2	-	-	SYM
hassl-4116	540	3	324	324	NUM
hassl-4116	540	4	)	)	PUNCT
hassl-4116	540	5	.	.	PUNCT
hassl-4116	541	1	springer	springer	NOUN
hassl-4116	541	2	international	international	ADJ
hassl-4116	541	3	publishing	publishing	NOUN
hassl-4116	541	4	.	.	PUNCT
hassl-4116	542	1	mardiana	mardiana	PROPN
hassl-4116	542	2	,	,	PUNCT
hassl-4116	542	3	s.	s.	PROPN
hassl-4116	542	4	l.	l.	PROPN
hassl-4116	542	5	,	,	PUNCT
hassl-4116	542	6	faridatul	faridatul	PROPN
hassl-4116	542	7	,	,	PUNCT
hassl-4116	542	8	t.	t.	PROPN
hassl-4116	542	9	,	,	PUNCT
hassl-4116	542	10	herlindawati	herlindawati	PROPN
hassl-4116	542	11	,	,	PUNCT
hassl-4116	542	12	d.	d.	PROPN
hassl-4116	542	13	,	,	PUNCT
hassl-4116	542	14	tiara	tiara	NOUN
hassl-4116	542	15	,	,	PUNCT
hassl-4116	542	16	&	&	CCONJ
hassl-4116	542	17	mardiyana	mardiyana	PROPN
hassl-4116	542	18	,	,	PUNCT
hassl-4116	542	19	l.	l.	PROPN
hassl-4116	542	20	o.	o.	PROPN
hassl-4116	542	21	(	(	PUNCT
hassl-4116	542	22	2020	2020	NUM
hassl-4116	542	23	)	)	PUNCT
hassl-4116	542	24	.	.	PUNCT
hassl-4116	543	1	the	the	DET
hassl-4116	543	2	contribution	contribution	NOUN
hassl-4116	543	3	of	of	ADP
hassl-4116	543	4	financial	financial	ADJ
hassl-4116	543	5	technology	technology	NOUN
hassl-4116	543	6	in	in	ADP
hassl-4116	543	7	increasing	increase	VERB
hassl-4116	543	8	society	society	NOUN
hassl-4116	543	9	’s	’s	PART
hassl-4116	543	10	financial	financial	ADJ
hassl-4116	543	11	inclusions	inclusion	NOUN
hassl-4116	543	12	in	in	ADP
hassl-4116	543	13	the	the	DET
hassl-4116	543	14	industrial	industrial	ADJ
hassl-4116	543	15	era	era	NOUN
hassl-4116	543	16	4.0	4.0	NUM
hassl-4116	543	17	.	.	PUNCT
hassl-4116	544	1	earth	earth	NOUN
hassl-4116	544	2	and	and	CCONJ
hassl-4116	544	3	environmental	environmental	ADJ
hassl-4116	544	4	science	science	NOUN
hassl-4116	544	5	,	,	PUNCT
hassl-4116	544	6	485(1	485(1	NUM
hassl-4116	544	7	)	)	PUNCT
hassl-4116	544	8	,	,	PUNCT
hassl-4116	544	9	1	1	NUM
hassl-4116	544	10	-	-	SYM
hassl-4116	544	11	7	7	NUM
hassl-4116	544	12	.	.	PUNCT
hassl-4116	544	13	mascarenhas	mascarenhas	PROPN
hassl-4116	544	14	,	,	PUNCT
hassl-4116	544	15	a.	a.	PROPN
hassl-4116	544	16	b.	b.	PROPN
hassl-4116	544	17	,	,	PUNCT
hassl-4116	544	18	perpétuo	perpétuo	NOUN
hassl-4116	544	19	,	,	PUNCT
hassl-4116	544	20	c.	c.	PROPN
hassl-4116	544	21	k.	k.	PROPN
hassl-4116	544	22	,	,	PUNCT
hassl-4116	544	23	barrote	barrote	VERB
hassl-4116	544	24	,	,	PUNCT
hassl-4116	544	25	e.	e.	PROPN
hassl-4116	544	26	b.	b.	PROPN
hassl-4116	544	27	,	,	PUNCT
hassl-4116	544	28	&	&	CCONJ
hassl-4116	544	29	perides	peride	NOUN
hassl-4116	544	30	,	,	PUNCT
hassl-4116	544	31	m.	m.	NOUN
hassl-4116	544	32	p.	p.	NOUN
hassl-4116	544	33	(	(	PUNCT
hassl-4116	544	34	2021	2021	NUM
hassl-4116	544	35	)	)	PUNCT
hassl-4116	544	36	.	.	PUNCT
hassl-4116	545	1	the	the	DET
hassl-4116	545	2	influence	influence	NOUN
hassl-4116	545	3	of	of	ADP
hassl-4116	545	4	perceptions	perception	NOUN
hassl-4116	545	5	of	of	ADP
hassl-4116	545	6	risks	risk	NOUN
hassl-4116	545	7	and	and	CCONJ
hassl-4116	545	8	benefits	benefit	NOUN
hassl-4116	545	9	on	on	ADP
hassl-4116	545	10	the	the	DET
hassl-4116	545	11	continuity	continuity	NOUN
hassl-4116	545	12	of	of	ADP
hassl-4116	545	13	use	use	NOUN
hassl-4116	545	14	of	of	ADP
hassl-4116	545	15	fintech	fintech	NOUN
hassl-4116	545	16	services	service	NOUN
hassl-4116	545	17	.	.	PUNCT
hassl-4116	546	1	bbr	bbr	PROPN
hassl-4116	546	2	.	.	PUNCT
hassl-4116	547	1	brazilian	brazilian	ADJ
hassl-4116	547	2	business	business	PROPN
hassl-4116	547	3	review	review	PROPN
hassl-4116	547	4	,	,	PUNCT
hassl-4116	547	5	18(1	18(1	NUM
hassl-4116	547	6	)	)	PUNCT
hassl-4116	547	7	,	,	PUNCT
hassl-4116	547	8	1	1	NUM
hassl-4116	547	9	-	-	SYM
hassl-4116	547	10	21	21	NUM
hassl-4116	547	11	.	.	PUNCT
hassl-4116	548	1	meilatinova	meilatinova	PROPN
hassl-4116	548	2	,	,	PUNCT
hassl-4116	548	3	n.	n.	NOUN
hassl-4116	548	4	(	(	PUNCT
hassl-4116	548	5	2021	2021	NUM
hassl-4116	548	6	)	)	PUNCT
hassl-4116	548	7	.	.	PUNCT
hassl-4116	549	1	social	social	PROPN
hassl-4116	549	2	commerce	commerce	PROPN
hassl-4116	549	3	:	:	PUNCT
hassl-4116	549	4	factors	factor	NOUN
hassl-4116	549	5	affecting	affect	VERB
hassl-4116	549	6	customer	customer	NOUN
hassl-4116	549	7	repurchase	repurchase	NOUN
hassl-4116	549	8	and	and	CCONJ
hassl-4116	549	9	word	word	NOUN
hassl-4116	549	10	-	-	PUNCT
hassl-4116	549	11	of	of	ADP
hassl-4116	549	12	-	-	PUNCT
hassl-4116	549	13	mouth	mouth	NOUN
hassl-4116	549	14	intentions	intention	NOUN
hassl-4116	549	15	.	.	PUNCT
hassl-4116	550	1	international	international	ADJ
hassl-4116	550	2	journal	journal	PROPN
hassl-4116	550	3	of	of	ADP
hassl-4116	550	4	information	information	NOUN
hassl-4116	550	5	management	management	NOUN
hassl-4116	550	6	,	,	PUNCT
hassl-4116	550	7	57	57	NUM
hassl-4116	550	8	,	,	PUNCT
hassl-4116	550	9	102300	102300	NUM
hassl-4116	550	10	.	.	PUNCT
hassl-4116	551	1	https://doi.org/10.1016/j.ijinfomgt.2020.102300	https://doi.org/10.1016/j.ijinfomgt.2020.102300	PROPN
hassl-4116	551	2	ming	ming	PROPN
hassl-4116	551	3	,	,	PUNCT
hassl-4116	551	4	k.	k.	PROPN
hassl-4116	551	5	l.	l.	PROPN
hassl-4116	551	6	y.	y.	PROPN
hassl-4116	551	7	,	,	PUNCT
hassl-4116	551	8	&	&	CCONJ
hassl-4116	551	9	jais	jais	PROPN
hassl-4116	551	10	,	,	PUNCT
hassl-4116	551	11	m.	m.	NOUN
hassl-4116	551	12	(	(	PUNCT
hassl-4116	551	13	2022	2022	NUM
hassl-4116	551	14	)	)	PUNCT
hassl-4116	551	15	.	.	PUNCT
hassl-4116	552	1	factors	factor	NOUN
hassl-4116	552	2	affecting	affect	VERB
hassl-4116	552	3	the	the	DET
hassl-4116	552	4	intention	intention	NOUN
hassl-4116	552	5	to	to	PART
hassl-4116	552	6	use	use	VERB
hassl-4116	552	7	e	e	NOUN
hassl-4116	552	8	-	-	NOUN
hassl-4116	552	9	wallets	wallet	NOUN
hassl-4116	552	10	during	during	ADP
hassl-4116	552	11	the	the	DET
hassl-4116	552	12	covid-19	covid-19	PROPN
hassl-4116	552	13	pandemic	pandemic	NOUN
hassl-4116	552	14	.	.	PUNCT
hassl-4116	553	1	gadjah	gadjah	PROPN
hassl-4116	553	2	mada	mada	PROPN
hassl-4116	553	3	international	international	PROPN
hassl-4116	553	4	journal	journal	PROPN
hassl-4116	553	5	of	of	ADP
hassl-4116	553	6	business	business	NOUN
hassl-4116	553	7	,	,	PUNCT
hassl-4116	553	8	24(1	24(1	NUM
hassl-4116	553	9	)	)	PUNCT
hassl-4116	553	10	,	,	PUNCT
hassl-4116	553	11	82	82	NUM
hassl-4116	553	12	-	-	SYM
hassl-4116	553	13	100	100	NUM
hassl-4116	553	14	.	.	PUNCT
hassl-4116	554	1	mufarih	mufarih	PROPN
hassl-4116	554	2	,	,	PUNCT
hassl-4116	554	3	m.	m.	NOUN
hassl-4116	554	4	,	,	PUNCT
hassl-4116	554	5	jayadi	jayadi	PROPN
hassl-4116	554	6	,	,	PUNCT
hassl-4116	554	7	r.	r.	PROPN
hassl-4116	554	8	,	,	PUNCT
hassl-4116	554	9	&	&	CCONJ
hassl-4116	554	10	sugandi	sugandi	PROPN
hassl-4116	554	11	,	,	PUNCT
hassl-4116	554	12	y.	y.	PROPN
hassl-4116	554	13	(	(	PUNCT
hassl-4116	554	14	2020	2020	NUM
hassl-4116	554	15	)	)	PUNCT
hassl-4116	554	16	.	.	PUNCT
hassl-4116	555	1	factors	factor	NOUN
hassl-4116	555	2	influencing	influence	VERB
hassl-4116	555	3	customers	customer	NOUN
hassl-4116	555	4	to	to	PART
hassl-4116	555	5	use	use	VERB
hassl-4116	555	6	digital	digital	ADJ
hassl-4116	555	7	banking	banking	NOUN
hassl-4116	555	8	application	application	NOUN
hassl-4116	555	9	in	in	ADP
hassl-4116	555	10	yogyakarta	yogyakarta	PROPN
hassl-4116	555	11	,	,	PUNCT
hassl-4116	555	12	indonesia	indonesia	PROPN
hassl-4116	555	13	.	.	PUNCT
hassl-4116	556	1	the	the	DET
hassl-4116	556	2	journal	journal	NOUN
hassl-4116	556	3	of	of	ADP
hassl-4116	556	4	asian	asian	ADJ
hassl-4116	556	5	finance	finance	NOUN
hassl-4116	556	6	,	,	PUNCT
hassl-4116	556	7	economics	economic	NOUN
hassl-4116	556	8	and	and	CCONJ
hassl-4116	556	9	business	business	NOUN
hassl-4116	556	10	,	,	PUNCT
hassl-4116	556	11	7(10	7(10	NUM
hassl-4116	556	12	)	)	PUNCT
hassl-4116	556	13	,	,	PUNCT
hassl-4116	556	14	897	897	NUM
hassl-4116	556	15	-	-	SYM
hassl-4116	556	16	907	907	NUM
hassl-4116	556	17	.	.	PUNCT
hassl-4116	557	1	https://doi.org/10.13106/jafeb.2020.vol7.no10.897	https://doi.org/10.13106/jafeb.2020.vol7.no10.897	PROPN
hassl-4116	557	2	muzdalifa	muzdalifa	PROPN
hassl-4116	557	3	,	,	PUNCT
hassl-4116	557	4	i.	i.	PROPN
hassl-4116	557	5	,	,	PUNCT
hassl-4116	557	6	rahma	rahma	PROPN
hassl-4116	557	7	,	,	PUNCT
hassl-4116	557	8	i.	i.	PROPN
hassl-4116	557	9	a.	a.	PROPN
hassl-4116	557	10	,	,	PUNCT
hassl-4116	557	11	novalia	novalia	PROPN
hassl-4116	557	12	,	,	PUNCT
hassl-4116	557	13	b.	b.	PROPN
hassl-4116	557	14	g.	g.	PROPN
hassl-4116	557	15	,	,	PUNCT
hassl-4116	557	16	&	&	CCONJ
hassl-4116	557	17	rafsanjani	rafsanjani	PROPN
hassl-4116	557	18	,	,	PUNCT
hassl-4116	557	19	h.	h.	PROPN
hassl-4116	557	20	(	(	PUNCT
hassl-4116	557	21	2018	2018	NUM
hassl-4116	557	22	)	)	PUNCT
hassl-4116	557	23	.	.	PUNCT
hassl-4116	558	1	the	the	DET
hassl-4116	558	2	role	role	NOUN
hassl-4116	558	3	of	of	ADP
hassl-4116	558	4	fintech	fintech	NOUN
hassl-4116	558	5	in	in	ADP
hassl-4116	558	6	increasing	increase	VERB
hassl-4116	558	7	financial	financial	ADJ
hassl-4116	558	8	inclusion	inclusion	NOUN
hassl-4116	558	9	in	in	ADP
hassl-4116	558	10	msmes	msme	NOUN
hassl-4116	558	11	in	in	ADP
hassl-4116	558	12	indonesia	indonesia	PROPN
hassl-4116	558	13	(	(	PUNCT
hassl-4116	558	14	islamic	islamic	ADJ
hassl-4116	558	15	finance	finance	NOUN
hassl-4116	558	16	approach	approach	NOUN
hassl-4116	558	17	)	)	PUNCT
hassl-4116	558	18	.	.	PUNCT
hassl-4116	559	1	jurnal	jurnal	PROPN
hassl-4116	559	2	masharif	masharif	PROPN
hassl-4116	559	3	al	al	PROPN
hassl-4116	559	4	-	-	PUNCT
hassl-4116	559	5	syariah	syariah	PROPN
hassl-4116	559	6	:	:	PUNCT
hassl-4116	559	7	jurnal	jurnal	ADJ
hassl-4116	559	8	ekonomi	ekonomi	PROPN
hassl-4116	559	9	dan	dan	PROPN
hassl-4116	559	10	perbankan	perbankan	PROPN
hassl-4116	559	11	syariah	syariah	PROPN
hassl-4116	559	12	,	,	PUNCT
hassl-4116	559	13	3(1	3(1	NUM
hassl-4116	559	14	)	)	PUNCT
hassl-4116	559	15	,	,	PUNCT
hassl-4116	559	16	1	1	NUM
hassl-4116	559	17	-	-	SYM
hassl-4116	559	18	24	24	NUM
hassl-4116	559	19	.	.	PUNCT
hassl-4116	560	1	https://doi.org/10.30651/jms.v3i1.1618	https://doi.org/10.30651/jms.v3i1.1618	NUM
hassl-4116	560	2	niu	niu	PROPN
hassl-4116	560	3	,	,	PUNCT
hassl-4116	560	4	g.	g.	PROPN
hassl-4116	560	5	,	,	PUNCT
hassl-4116	560	6	wang	wang	PROPN
hassl-4116	560	7	,	,	PUNCT
hassl-4116	560	8	q.	q.	PROPN
hassl-4116	560	9	,	,	PUNCT
hassl-4116	560	10	&	&	CCONJ
hassl-4116	560	11	zhou	zhou	PROPN
hassl-4116	560	12	,	,	PUNCT
hassl-4116	560	13	y.	y.	PROPN
hassl-4116	560	14	(	(	PUNCT
hassl-4116	560	15	2022	2022	NUM
hassl-4116	560	16	)	)	PUNCT
hassl-4116	560	17	.	.	PUNCT
hassl-4116	561	1	education	education	NOUN
hassl-4116	561	2	and	and	CCONJ
hassl-4116	561	3	fintech	fintech	NOUN
hassl-4116	561	4	adoption	adoption	NOUN
hassl-4116	561	5	:	:	PUNCT
hassl-4116	561	6	evidence	evidence	NOUN
hassl-4116	561	7	from	from	ADP
hassl-4116	561	8	china	china	PROPN
hassl-4116	561	9	.	.	PUNCT
hassl-4116	562	1	ssrn	ssrn	PROPN
hassl-4116	562	2	electronic	electronic	ADJ
hassl-4116	562	3	journal	journal	NOUN
hassl-4116	562	4	,	,	PUNCT
hassl-4116	562	5	1	1	NUM
hassl-4116	562	6	-	-	SYM
hassl-4116	562	7	41	41	NUM
hassl-4116	562	8	.	.	PUNCT
hassl-4116	563	1	nugraha	nugraha	NOUN
hassl-4116	563	2	,	,	PUNCT
hassl-4116	563	3	d.	d.	PROPN
hassl-4116	563	4	p.	p.	PROPN
hassl-4116	563	5	,	,	PUNCT
hassl-4116	563	6	setiawan	setiawan	PROPN
hassl-4116	563	7	,	,	PUNCT
hassl-4116	563	8	b.	b.	PROPN
hassl-4116	563	9	,	,	PUNCT
hassl-4116	563	10	nathan	nathan	PROPN
hassl-4116	563	11	,	,	PUNCT
hassl-4116	563	12	r.	r.	PROPN
hassl-4116	563	13	j.	j.	PROPN
hassl-4116	563	14	,	,	PUNCT
hassl-4116	563	15	&	&	CCONJ
hassl-4116	563	16	fekete	fekete	PROPN
hassl-4116	563	17	-	-	PUNCT
hassl-4116	563	18	farkas	farkas	PROPN
hassl-4116	563	19	,	,	PUNCT
hassl-4116	563	20	m.	m.	NOUN
hassl-4116	563	21	(	(	PUNCT
hassl-4116	563	22	2022	2022	NUM
hassl-4116	563	23	)	)	PUNCT
hassl-4116	563	24	.	.	PUNCT
hassl-4116	564	1	fintech	fintech	NOUN
hassl-4116	564	2	adoption	adoption	NOUN
hassl-4116	564	3	drivers	driver	NOUN
hassl-4116	564	4	for	for	ADP
hassl-4116	564	5	innovation	innovation	NOUN
hassl-4116	564	6	for	for	ADP
hassl-4116	564	7	smes	sme	NOUN
hassl-4116	564	8	in	in	ADP
hassl-4116	564	9	indonesia	indonesia	PROPN
hassl-4116	564	10	.	.	PROPN
hassl-4116	565	1	journal	journal	PROPN
hassl-4116	565	2	of	of	ADP
hassl-4116	565	3	open	open	ADJ
hassl-4116	565	4	innovation	innovation	NOUN
hassl-4116	565	5	:	:	PUNCT
hassl-4116	565	6	technology	technology	NOUN
hassl-4116	565	7	,	,	PUNCT
hassl-4116	565	8	market	market	NOUN
hassl-4116	565	9	,	,	PUNCT
hassl-4116	565	10	and	and	CCONJ
hassl-4116	565	11	complexity	complexity	NOUN
hassl-4116	565	12	,	,	PUNCT
hassl-4116	565	13	8(4	8(4	NUM
hassl-4116	565	14	)	)	PUNCT
hassl-4116	565	15	,	,	PUNCT
hassl-4116	565	16	208	208	NUM
hassl-4116	565	17	.	.	PUNCT
hassl-4116	566	1	https://doi.org/10.3390/joitmc8040208	https://doi.org/10.3390/joitmc8040208	PROPN
hassl-4116	566	2	nurhayani	nurhayani	PROPN
hassl-4116	566	3	,	,	PUNCT
hassl-4116	566	4	u.	u.	PROPN
hassl-4116	566	5	,	,	PUNCT
hassl-4116	566	6	dongoran	dongoran	NOUN
hassl-4116	566	7	,	,	PUNCT
hassl-4116	566	8	f.	f.	PROPN
hassl-4116	566	9	r.	r.	PROPN
hassl-4116	566	10	,	,	PUNCT
hassl-4116	566	11	syah	syah	PROPN
hassl-4116	566	12	,	,	PUNCT
hassl-4116	566	13	d.	d.	PROPN
hassl-4116	566	14	h.	h.	PROPN
hassl-4116	566	15	,	,	PUNCT
hassl-4116	566	16	&	&	CCONJ
hassl-4116	566	17	sagala	sagala	PROPN
hassl-4116	566	18	,	,	PUNCT
hassl-4116	566	19	g.	g.	PROPN
hassl-4116	566	20	h.	h.	PROPN
hassl-4116	566	21	(	(	PUNCT
hassl-4116	566	22	2024	2024	NUM
hassl-4116	566	23	)	)	PUNCT
hassl-4116	566	24	.	.	PUNCT
hassl-4116	567	1	fintech	fintech	NOUN
hassl-4116	567	2	acceptance	acceptance	NOUN
hassl-4116	567	3	among	among	ADP
hassl-4116	567	4	msmes	msme	NOUN
hassl-4116	567	5	:	:	PUNCT
hassl-4116	567	6	a	a	DET
hassl-4116	567	7	post	post	ADJ
hassl-4116	567	8	-	-	ADJ
hassl-4116	567	9	covid	covid	ADJ
hassl-4116	567	10	19	19	NUM
hassl-4116	567	11	response	response	NOUN
hassl-4116	567	12	.	.	PUNCT
hassl-4116	568	1	jurnal	jurnal	ADJ
hassl-4116	568	2	akuntansi	akuntansi	PROPN
hassl-4116	568	3	dan	dan	PROPN
hassl-4116	568	4	keuangan	keuangan	PROPN
hassl-4116	568	5	,	,	PUNCT
hassl-4116	568	6	26(1	26(1	NUM
hassl-4116	568	7	)	)	PUNCT
hassl-4116	568	8	,	,	PUNCT
hassl-4116	568	9	56	56	NUM
hassl-4116	568	10	-	-	SYM
hassl-4116	568	11	66	66	NUM
hassl-4116	568	12	.	.	PUNCT
hassl-4116	569	1	https://doi.org/10.9744/jak.26.1.56-66	https://doi.org/10.9744/jak.26.1.56-66	PRON
hassl-4116	569	2	nurlaily	nurlaily	ADV
hassl-4116	569	3	,	,	PUNCT
hassl-4116	569	4	f.	f.	PROPN
hassl-4116	569	5	,	,	PUNCT
hassl-4116	569	6	aini	aini	PROPN
hassl-4116	569	7	,	,	PUNCT
hassl-4116	569	8	e.	e.	PROPN
hassl-4116	569	9	k.	k.	PROPN
hassl-4116	569	10	,	,	PUNCT
hassl-4116	569	11	&	&	CCONJ
hassl-4116	569	12	asmoro	asmoro	PROPN
hassl-4116	569	13	,	,	PUNCT
hassl-4116	569	14	p.	p.	PROPN
hassl-4116	569	15	s.	s.	PROPN
hassl-4116	569	16	(	(	PUNCT
hassl-4116	569	17	2021	2021	NUM
hassl-4116	569	18	)	)	PUNCT
hassl-4116	569	19	.	.	PUNCT
hassl-4116	570	1	what	what	PRON
hassl-4116	570	2	determines	determine	VERB
hassl-4116	570	3	generation	generation	NOUN
hassl-4116	570	4	z	z	NOUN
hassl-4116	570	5	continuance	continuance	NOUN
hassl-4116	570	6	intention	intention	NOUN
hassl-4116	570	7	of	of	ADP
hassl-4116	570	8	fintech	fintech	NOUN
hassl-4116	570	9	 	 	SPACE
hassl-4116	570	10	?	?	PUNCT
hassl-4116	571	1	the	the	DET
hassl-4116	571	2	moderating	moderate	VERB
hassl-4116	571	3	effect	effect	NOUN
hassl-4116	571	4	of	of	ADP
hassl-4116	571	5	gender	gender	NOUN
hassl-4116	571	6	.	.	PUNCT
hassl-4116	572	1	paper	paper	NOUN
hassl-4116	572	2	presented	present	VERB
hassl-4116	572	3	at	at	ADP
hassl-4116	572	4	the	the	DET
hassl-4116	572	5	proceedings	proceeding	NOUN
hassl-4116	572	6	of	of	ADP
hassl-4116	572	7	the	the	DET
hassl-4116	572	8	3rd	3rd	ADJ
hassl-4116	572	9	annual	annual	ADJ
hassl-4116	572	10	international	international	ADJ
hassl-4116	572	11	conference	conference	NOUN
hassl-4116	572	12	on	on	ADP
hassl-4116	572	13	public	public	ADJ
hassl-4116	572	14	and	and	CCONJ
hassl-4116	572	15	business	business	NOUN
hassl-4116	572	16	administration	administration	NOUN
hassl-4116	572	17	(	(	PUNCT
hassl-4116	572	18	aicobpa	aicobpa	NOUN
hassl-4116	572	19	)	)	PUNCT
hassl-4116	572	20	.	.	PUNCT
hassl-4116	573	1	doi:10.2991	doi:10.2991	PROPN
hassl-4116	573	2	/	/	SYM
hassl-4116	573	3	aebmr.k.210928.055	aebmr.k.210928.055	PROPN
hassl-4116	573	4	.	.	PUNCT
hassl-4116	574	1	otoritas	otorita	NOUN
hassl-4116	574	2	,	,	PUNCT
hassl-4116	574	3	j.	j.	PROPN
hassl-4116	574	4	k.	k.	PROPN
hassl-4116	574	5	(	(	PUNCT
hassl-4116	574	6	2024	2024	NUM
hassl-4116	574	7	)	)	PUNCT
hassl-4116	574	8	.	.	PUNCT
hassl-4116	575	1	financial	financial	ADJ
hassl-4116	575	2	technology	technology	NOUN
hassl-4116	575	3	:	:	PUNCT
hassl-4116	575	4	ojk	ojk	NOUN
hassl-4116	575	5	prepares	prepare	VERB
hassl-4116	575	6	regulations	regulation	NOUN
hassl-4116	575	7	&	&	CCONJ
hassl-4116	575	8	digital	digital	ADJ
hassl-4116	575	9	economy	economy	NOUN
hassl-4116	575	10	development	development	NOUN
hassl-4116	575	11	team	team	NOUN
hassl-4116	575	12	.	.	PUNCT
hassl-4116	576	1	sikapiuangmu.ojk.go.id	sikapiuangmu.ojk.go.id	PROPN
hassl-4116	576	2	.	.	PROPN
hassl-4116	576	3	pambudi	pambudi	PROPN
hassl-4116	576	4	,	,	PUNCT
hassl-4116	576	5	i.	i.	PROPN
hassl-4116	576	6	a.	a.	PROPN
hassl-4116	576	7	s.	s.	PROPN
hassl-4116	576	8	,	,	PUNCT
hassl-4116	576	9	roswinanto	roswinanto	PROPN
hassl-4116	576	10	,	,	PUNCT
hassl-4116	576	11	w.	w.	PROPN
hassl-4116	576	12	,	,	PUNCT
hassl-4116	576	13	&	&	CCONJ
hassl-4116	576	14	meiria	meiria	PROPN
hassl-4116	576	15	,	,	PUNCT
hassl-4116	576	16	c.	c.	PROPN
hassl-4116	576	17	h.	h.	PROPN
hassl-4116	576	18	(	(	PUNCT
hassl-4116	576	19	2023	2023	NUM
hassl-4116	576	20	)	)	PUNCT
hassl-4116	576	21	.	.	PUNCT
hassl-4116	577	1	the	the	DET
hassl-4116	577	2	influence	influence	NOUN
hassl-4116	577	3	of	of	ADP
hassl-4116	577	4	perceived	perceive	VERB
hassl-4116	577	5	ease	ease	NOUN
hassl-4116	577	6	of	of	ADP
hassl-4116	577	7	use	use	NOUN
hassl-4116	577	8	,	,	PUNCT
hassl-4116	577	9	perceived	perceive	VERB
hassl-4116	577	10	usefulness	usefulness	NOUN
hassl-4116	577	11	,	,	PUNCT
hassl-4116	577	12	and	and	CCONJ
hassl-4116	577	13	perceived	perceive	VERB
hassl-4116	577	14	enjoyment	enjoyment	NOUN
hassl-4116	577	15	on	on	ADP
hassl-4116	577	16	interest	interest	NOUN
hassl-4116	577	17	in	in	ADP
hassl-4116	577	18	continuing	continue	VERB
hassl-4116	577	19	to	to	PART
hassl-4116	577	20	use	use	VERB
hassl-4116	577	21	investment	investment	NOUN
hassl-4116	577	22	applications	application	NOUN
hassl-4116	577	23	in	in	ADP
hassl-4116	577	24	indonesia	indonesia	PROPN
hassl-4116	577	25	.	.	PROPN
hassl-4116	578	1	journal	journal	PROPN
hassl-4116	578	2	of	of	ADP
hassl-4116	578	3	management	management	NOUN
hassl-4116	578	4	and	and	CCONJ
hassl-4116	578	5	business	business	NOUN
hassl-4116	578	6	review	review	NOUN
hassl-4116	578	7	,	,	PUNCT
hassl-4116	578	8	20(3	20(3	NOUN
hassl-4116	578	9	)	)	PUNCT
hassl-4116	578	10	,	,	PUNCT
hassl-4116	578	11	482–501	482–501	NUM
hassl-4116	578	12	.	.	PUNCT
hassl-4116	579	1	https://doi.org/10.34149/jmbr.v20i3.577	https://doi.org/10.34149/jmbr.v20i3.577	PROPN
hassl-4116	579	2	https://doi.org/10.1007/s42521-024-00111-6	https://doi.org/10.1007/s42521-024-00111-6	NUM
hassl-4116	579	3	https://doi.org/10.1007/s42521-024-00111-6	https://doi.org/10.1007/s42521-024-00111-6	NUM
hassl-4116	579	4	https://doi.org/10.1016/j.ijinfomgt.2020.102264	https://doi.org/10.1016/j.ijinfomgt.2020.102264	PROPN
hassl-4116	579	5	https://doi.org/10.1177/21582440231200199	https://doi.org/10.1177/21582440231200199	VERB
hassl-4116	579	6	https://doi.org/10.1186/s40854-023-00524-z	https://doi.org/10.1186/s40854-023-00524-z	PROPN
hassl-4116	579	7	https://doi.org/10.24014/jel.v4i1.17	https://doi.org/10.24014/jel.v4i1.17	PROPN
hassl-4116	579	8	https://doi.org/10.1016/j.ijinfomgt.2020.102300	https://doi.org/10.1016/j.ijinfomgt.2020.102300	PROPN
hassl-4116	579	9	https://doi.org/10.13106/jafeb.2020.vol7.no10.897	https://doi.org/10.13106/jafeb.2020.vol7.no10.897	VERB
hassl-4116	580	1	https://doi.org/10.30651/jms.v3i1.1618	https://doi.org/10.30651/jms.v3i1.1618	NUM
hassl-4116	580	2	https://doi.org/10.3390/joitmc8040208	https://doi.org/10.3390/joitmc8040208	PROPN
hassl-4116	580	3	https://doi.org/10.9744/jak.26.1.56-66	https://doi.org/10.9744/jak.26.1.56-66	PROPN
hassl-4116	580	4	https://doi.org/10.34149/jmbr.v20i3.577	https://doi.org/10.34149/jmbr.v20i3.577	PROPN
hassl-4116	580	5	humanities	humanity	NOUN
hassl-4116	580	6	and	and	CCONJ
hassl-4116	580	7	social	social	ADJ
hassl-4116	580	8	sciences	science	NOUN
hassl-4116	580	9	letters	letter	NOUN
hassl-4116	580	10	,	,	PUNCT
hassl-4116	580	11	2025	2025	NUM
hassl-4116	580	12	,	,	PUNCT
hassl-4116	580	13	13(2	13(2	NUM
hassl-4116	580	14	):	):	PUNCT
hassl-4116	580	15	409	409	NUM
hassl-4116	580	16	-	-	SYM
hassl-4116	580	17	427	427	NUM
hassl-4116	580	18	426	426	NUM
hassl-4116	580	19	©	©	PROPN
hassl-4116	580	20	2025	2025	NUM
hassl-4116	580	21	conscientia	conscientia	PROPN
hassl-4116	580	22	beam	beam	PROPN
hassl-4116	580	23	.	.	PUNCT
hassl-4116	581	1	all	all	DET
hassl-4116	581	2	rights	right	NOUN
hassl-4116	581	3	reserved	reserve	VERB
hassl-4116	581	4	.	.	PUNCT
hassl-4116	582	1	purnama	purnama	PROPN
hassl-4116	582	2	,	,	PUNCT
hassl-4116	582	3	e.	e.	PROPN
hassl-4116	582	4	s.	s.	PROPN
hassl-4116	582	5	,	,	PUNCT
hassl-4116	582	6	suryadi	suryadi	NOUN
hassl-4116	582	7	,	,	PUNCT
hassl-4116	582	8	n.	n.	NOUN
hassl-4116	582	9	,	,	PUNCT
hassl-4116	582	10	&	&	CCONJ
hassl-4116	582	11	andarwati	andarwati	PROPN
hassl-4116	582	12	,	,	PUNCT
hassl-4116	582	13	a.	a.	NOUN
hassl-4116	582	14	(	(	PUNCT
hassl-4116	582	15	2023	2023	NUM
hassl-4116	582	16	)	)	PUNCT
hassl-4116	582	17	.	.	PUNCT
hassl-4116	583	1	the	the	DET
hassl-4116	583	2	influence	influence	NOUN
hassl-4116	583	3	of	of	ADP
hassl-4116	583	4	perceived	perceive	VERB
hassl-4116	583	5	risk	risk	NOUN
hassl-4116	583	6	and	and	CCONJ
hassl-4116	583	7	perceived	perceive	VERB
hassl-4116	583	8	benefits	benefit	NOUN
hassl-4116	583	9	on	on	ADP
hassl-4116	583	10	continuance	continuance	NOUN
hassl-4116	583	11	intention	intention	NOUN
hassl-4116	583	12	to	to	PART
hassl-4116	583	13	adopt	adopt	VERB
hassl-4116	583	14	fintech	fintech	NOUN
hassl-4116	583	15	p2p	p2p	NOUN
hassl-4116	583	16	lending	lending	NOUN
hassl-4116	583	17	mediated	mediate	VERB
hassl-4116	583	18	by	by	ADP
hassl-4116	583	19	trust	trust	NOUN
hassl-4116	583	20	in	in	ADP
hassl-4116	583	21	indonesia	indonesia	PROPN
hassl-4116	583	22	.	.	PROPN
hassl-4116	584	1	journal	journal	PROPN
hassl-4116	584	2	of	of	ADP
hassl-4116	584	3	business	business	NOUN
hassl-4116	584	4	and	and	CCONJ
hassl-4116	584	5	management	management	NOUN
hassl-4116	584	6	review	review	NOUN
hassl-4116	584	7	,	,	PUNCT
hassl-4116	584	8	4(10	4(10	NUM
hassl-4116	584	9	)	)	PUNCT
hassl-4116	584	10	,	,	PUNCT
hassl-4116	584	11	754	754	NUM
hassl-4116	584	12	-	-	SYM
hassl-4116	584	13	770	770	NUM
hassl-4116	584	14	.	.	PUNCT
hassl-4116	584	15	https://doi.org/10.47153/jbmr410.8522023	https://doi.org/10.47153/jbmr410.8522023	PUNCT
hassl-4116	584	16	purwantini	purwantini	NOUN
hassl-4116	584	17	,	,	PUNCT
hassl-4116	584	18	a.	a.	PROPN
hassl-4116	584	19	h.	h.	PROPN
hassl-4116	584	20	,	,	PUNCT
hassl-4116	584	21	&	&	CCONJ
hassl-4116	584	22	anisa	anisa	PROPN
hassl-4116	584	23	,	,	PUNCT
hassl-4116	584	24	f.	f.	PROPN
hassl-4116	584	25	(	(	PUNCT
hassl-4116	584	26	2021	2021	NUM
hassl-4116	584	27	)	)	PUNCT
hassl-4116	584	28	.	.	PUNCT
hassl-4116	585	1	fintech	fintech	NOUN
hassl-4116	585	2	payment	payment	NOUN
hassl-4116	585	3	adoption	adoption	NOUN
hassl-4116	585	4	among	among	ADP
hassl-4116	585	5	micro	micro	NOUN
hassl-4116	585	6	-	-	NOUN
hassl-4116	585	7	enterprises	enterprise	NOUN
hassl-4116	585	8	:	:	PUNCT
hassl-4116	585	9	the	the	DET
hassl-4116	585	10	role	role	NOUN
hassl-4116	585	11	of	of	ADP
hassl-4116	585	12	perceived	perceive	VERB
hassl-4116	585	13	risk	risk	NOUN
hassl-4116	585	14	and	and	CCONJ
hassl-4116	585	15	trust	trust	NOUN
hassl-4116	585	16	.	.	PUNCT
hassl-4116	586	1	jurnal	jurnal	ADJ
hassl-4116	586	2	aset	aset	PROPN
hassl-4116	586	3	(	(	PUNCT
hassl-4116	586	4	akuntansi	akuntansi	PROPN
hassl-4116	586	5	riset	riset	PROPN
hassl-4116	586	6	)	)	PUNCT
hassl-4116	586	7	,	,	PUNCT
hassl-4116	586	8	13(2	13(2	NOUN
hassl-4116	586	9	)	)	PUNCT
hassl-4116	586	10	,	,	PUNCT
hassl-4116	586	11	375	375	NUM
hassl-4116	586	12	-	-	SYM
hassl-4116	586	13	386	386	NUM
hassl-4116	586	14	.	.	PUNCT
hassl-4116	586	15	https://doi.org/10.17509/jaset.v13i2.37212	https://doi.org/10.17509/jaset.v13i2.37212	NUM
hassl-4116	586	16	putritama	putritama	PROPN
hassl-4116	586	17	,	,	PUNCT
hassl-4116	586	18	a.	a.	NOUN
hassl-4116	586	19	(	(	PUNCT
hassl-4116	586	20	2019	2019	NUM
hassl-4116	586	21	)	)	PUNCT
hassl-4116	586	22	.	.	PUNCT
hassl-4116	587	1	the	the	DET
hassl-4116	587	2	mobile	mobile	ADJ
hassl-4116	587	3	payment	payment	NOUN
hassl-4116	587	4	fintech	fintech	NOUN
hassl-4116	587	5	continuance	continuance	NOUN
hassl-4116	587	6	usage	usage	NOUN
hassl-4116	587	7	intention	intention	NOUN
hassl-4116	587	8	in	in	ADP
hassl-4116	587	9	indonesia	indonesia	PROPN
hassl-4116	587	10	.	.	PUNCT
hassl-4116	588	1	jurnal	jurnal	PROPN
hassl-4116	588	2	economia	economia	PROPN
hassl-4116	588	3	,	,	PUNCT
hassl-4116	588	4	15(2	15(2	NUM
hassl-4116	588	5	)	)	PUNCT
hassl-4116	588	6	,	,	PUNCT
hassl-4116	588	7	243	243	NUM
hassl-4116	588	8	-	-	SYM
hassl-4116	588	9	258	258	NUM
hassl-4116	588	10	.	.	PUNCT
hassl-4116	589	1	razzaque	razzaque	NOUN
hassl-4116	589	2	,	,	PUNCT
hassl-4116	589	3	a.	a.	NOUN
hassl-4116	589	4	,	,	PUNCT
hassl-4116	589	5	cummings	cummings	PROPN
hassl-4116	589	6	,	,	PUNCT
hassl-4116	589	7	r.	r.	PROPN
hassl-4116	589	8	t.	t.	PROPN
hassl-4116	589	9	,	,	PUNCT
hassl-4116	589	10	karolak	karolak	PROPN
hassl-4116	589	11	,	,	PUNCT
hassl-4116	589	12	m.	m.	NOUN
hassl-4116	589	13	,	,	PUNCT
hassl-4116	589	14	&	&	CCONJ
hassl-4116	589	15	hamdan	hamdan	PROPN
hassl-4116	589	16	,	,	PUNCT
hassl-4116	589	17	a.	a.	NOUN
hassl-4116	589	18	(	(	PUNCT
hassl-4116	589	19	2020	2020	NUM
hassl-4116	589	20	)	)	PUNCT
hassl-4116	589	21	.	.	PUNCT
hassl-4116	590	1	the	the	DET
hassl-4116	590	2	propensity	propensity	NOUN
hassl-4116	590	3	to	to	PART
hassl-4116	590	4	use	use	VERB
hassl-4116	590	5	fintech	fintech	NOUN
hassl-4116	590	6	:	:	PUNCT
hassl-4116	590	7	input	input	NOUN
hassl-4116	590	8	from	from	ADP
hassl-4116	590	9	bankers	banker	NOUN
hassl-4116	590	10	in	in	ADP
hassl-4116	590	11	the	the	DET
hassl-4116	590	12	kingdom	kingdom	NOUN
hassl-4116	590	13	of	of	ADP
hassl-4116	590	14	bahrain	bahrain	NOUN
hassl-4116	590	15	.	.	PUNCT
hassl-4116	591	1	journal	journal	PROPN
hassl-4116	591	2	of	of	ADP
hassl-4116	591	3	information	information	PROPN
hassl-4116	591	4	&	&	CCONJ
hassl-4116	591	5	knowledge	knowledge	PROPN
hassl-4116	591	6	management	management	PROPN
hassl-4116	591	7	,	,	PUNCT
hassl-4116	591	8	19(01	19(01	NUM
hassl-4116	591	9	)	)	PUNCT
hassl-4116	591	10	,	,	PUNCT
hassl-4116	591	11	2040025	2040025	NUM
hassl-4116	591	12	.	.	PUNCT
hassl-4116	592	1	https://doi.org/10.1142/s0219649220400250	https://doi.org/10.1142/s0219649220400250	NUM
hassl-4116	592	2	roh	roh	PROPN
hassl-4116	592	3	,	,	PUNCT
hassl-4116	592	4	t.	t.	PROPN
hassl-4116	592	5	,	,	PUNCT
hassl-4116	592	6	park	park	PROPN
hassl-4116	592	7	,	,	PUNCT
hassl-4116	592	8	b.	b.	PROPN
hassl-4116	592	9	i.	i.	PROPN
hassl-4116	592	10	,	,	PUNCT
hassl-4116	592	11	&	&	CCONJ
hassl-4116	592	12	xiao	xiao	PROPN
hassl-4116	592	13	,	,	PUNCT
hassl-4116	592	14	s.	s.	PROPN
hassl-4116	592	15	s.	s.	PROPN
hassl-4116	592	16	(	(	PUNCT
hassl-4116	592	17	2023	2023	NUM
hassl-4116	592	18	)	)	PUNCT
hassl-4116	592	19	.	.	PUNCT
hassl-4116	593	1	adoption	adoption	NOUN
hassl-4116	593	2	of	of	ADP
hassl-4116	593	3	ai	ai	ADJ
hassl-4116	593	4	-	-	PUNCT
hassl-4116	593	5	enabled	enable	VERB
hassl-4116	593	6	robo	robo	NOUN
hassl-4116	593	7	-	-	PUNCT
hassl-4116	593	8	advisors	advisor	NOUN
hassl-4116	593	9	in	in	ADP
hassl-4116	593	10	fintech	fintech	NOUN
hassl-4116	593	11	:	:	PUNCT
hassl-4116	593	12	simultaneous	simultaneous	ADJ
hassl-4116	593	13	employment	employment	NOUN
hassl-4116	593	14	of	of	ADP
hassl-4116	593	15	utaut	utaut	PROPN
hassl-4116	593	16	and	and	CCONJ
hassl-4116	593	17	the	the	DET
hassl-4116	593	18	theory	theory	NOUN
hassl-4116	593	19	of	of	ADP
hassl-4116	593	20	teasoned	teasone	VERB
hassl-4116	593	21	action	action	NOUN
hassl-4116	593	22	.	.	PUNCT
hassl-4116	594	1	journal	journal	NOUN
hassl-4116	594	2	of	of	ADP
hassl-4116	594	3	electronic	electronic	ADJ
hassl-4116	594	4	commerce	commerce	NOUN
hassl-4116	594	5	research	research	NOUN
hassl-4116	594	6	,	,	PUNCT
hassl-4116	594	7	24(1	24(1	NUM
hassl-4116	594	8	)	)	PUNCT
hassl-4116	594	9	,	,	PUNCT
hassl-4116	594	10	29	29	NUM
hassl-4116	594	11	-	-	SYM
hassl-4116	594	12	47	47	NUM
hassl-4116	594	13	.	.	PUNCT
hassl-4116	595	1	ruddenklau	ruddenklau	PROPN
hassl-4116	595	2	,	,	PUNCT
hassl-4116	595	3	a.	a.	NOUN
hassl-4116	595	4	(	(	PUNCT
hassl-4116	595	5	2024	2024	NUM
hassl-4116	595	6	)	)	PUNCT
hassl-4116	595	7	.	.	PUNCT
hassl-4116	596	1	pulse	pulse	NOUN
hassl-4116	596	2	of	of	ADP
hassl-4116	596	3	fintech	fintech	NOUN
hassl-4116	596	4	h2’23	h2’23	NOUN
hassl-4116	596	5	:	:	PUNCT
hassl-4116	596	6	global	global	ADJ
hassl-4116	596	7	analysis	analysis	NOUN
hassl-4116	596	8	of	of	ADP
hassl-4116	596	9	fintech	fintech	NOUN
hassl-4116	596	10	funding	funding	NOUN
hassl-4116	596	11	.	.	PUNCT
hassl-4116	597	1	retrieved	retrieve	VERB
hassl-4116	597	2	from	from	ADP
hassl-4116	597	3	https://assets.kpmg.com/content/dam/kpmg/xx/pdf/2024/02/pulse-of-fintech-h2-2023.pdf	https://assets.kpmg.com/content/dam/kpmg/xx/pdf/2024/02/pulse-of-fintech-h2-2023.pdf	PROPN
hassl-4116	597	4	ryu	ryu	PROPN
hassl-4116	597	5	,	,	PUNCT
hassl-4116	597	6	h.	h.	PROPN
hassl-4116	597	7	s.	s.	PROPN
hassl-4116	597	8	(	(	PUNCT
hassl-4116	597	9	2018	2018	NUM
hassl-4116	597	10	)	)	PUNCT
hassl-4116	597	11	.	.	PUNCT
hassl-4116	598	1	understanding	understand	VERB
hassl-4116	598	2	benefit	benefit	NOUN
hassl-4116	598	3	and	and	CCONJ
hassl-4116	598	4	risk	risk	NOUN
hassl-4116	598	5	framework	framework	NOUN
hassl-4116	598	6	of	of	ADP
hassl-4116	598	7	fintech	fintech	NOUN
hassl-4116	598	8	adoption	adoption	NOUN
hassl-4116	598	9	:	:	PUNCT
hassl-4116	598	10	comparison	comparison	NOUN
hassl-4116	598	11	of	of	ADP
hassl-4116	598	12	early	early	ADJ
hassl-4116	598	13	adopters	adopter	NOUN
hassl-4116	598	14	and	and	CCONJ
hassl-4116	598	15	late	late	ADJ
hassl-4116	598	16	adopters	adopter	NOUN
hassl-4116	598	17	.	.	PUNCT
hassl-4116	599	1	paper	paper	NOUN
hassl-4116	599	2	presented	present	VERB
hassl-4116	599	3	at	at	ADP
hassl-4116	599	4	the	the	DET
hassl-4116	599	5	proceedings	proceeding	NOUN
hassl-4116	599	6	of	of	ADP
hassl-4116	599	7	the	the	DET
hassl-4116	599	8	annual	annual	ADJ
hassl-4116	599	9	hawaii	hawaii	PROPN
hassl-4116	599	10	international	international	PROPN
hassl-4116	599	11	conference	conference	NOUN
hassl-4116	599	12	on	on	ADP
hassl-4116	599	13	system	system	NOUN
hassl-4116	599	14	sciences	science	NOUN
hassl-4116	599	15	,	,	PUNCT
hassl-4116	599	16	3864–3873	3864–3873	NUM
hassl-4116	599	17	.	.	PUNCT
hassl-4116	600	1	doi.org/10.24251/hicss.2018.486	doi.org/10.24251/hicss.2018.486	PROPN
hassl-4116	600	2	.	.	PUNCT
hassl-4116	600	3	saadah	saadah	PROPN
hassl-4116	600	4	,	,	PUNCT
hassl-4116	600	5	k.	k.	PROPN
hassl-4116	600	6	,	,	PUNCT
hassl-4116	600	7	&	&	CCONJ
hassl-4116	600	8	setiawan	setiawan	PROPN
hassl-4116	600	9	,	,	PUNCT
hassl-4116	600	10	d.	d.	PROPN
hassl-4116	600	11	(	(	PUNCT
hassl-4116	600	12	2024	2024	NUM
hassl-4116	600	13	)	)	PUNCT
hassl-4116	600	14	.	.	PUNCT
hassl-4116	601	1	determinants	determinant	NOUN
hassl-4116	601	2	of	of	ADP
hassl-4116	601	3	fintech	fintech	NOUN
hassl-4116	601	4	adoption	adoption	NOUN
hassl-4116	601	5	:	:	PUNCT
hassl-4116	601	6	evidence	evidence	NOUN
hassl-4116	601	7	from	from	ADP
hassl-4116	601	8	smes	sme	NOUN
hassl-4116	601	9	in	in	ADP
hassl-4116	601	10	indonesia	indonesia	PROPN
hassl-4116	601	11	.	.	PUNCT
hassl-4116	602	1	lbs	lbs	PROPN
hassl-4116	602	2	journal	journal	PROPN
hassl-4116	602	3	of	of	ADP
hassl-4116	602	4	management	management	NOUN
hassl-4116	602	5	&	&	CCONJ
hassl-4116	602	6	research	research	PROPN
hassl-4116	602	7	,	,	PUNCT
hassl-4116	602	8	22(1	22(1	NUM
hassl-4116	602	9	)	)	PUNCT
hassl-4116	602	10	,	,	PUNCT
hassl-4116	602	11	55	55	NUM
hassl-4116	602	12	-	-	SYM
hassl-4116	602	13	65	65	NUM
hassl-4116	602	14	.	.	PUNCT
hassl-4116	603	1	https://doi.org/10.1108/lbsjmr-11-2022-0076	https://doi.org/10.1108/lbsjmr-11-2022-0076	PROPN
hassl-4116	603	2	sahroni	sahroni	NOUN
hassl-4116	603	3	,	,	PUNCT
hassl-4116	603	4	a.	a.	NOUN
hassl-4116	603	5	,	,	PUNCT
hassl-4116	603	6	santiago	santiago	PROPN
hassl-4116	603	7	,	,	PUNCT
hassl-4116	603	8	f.	f.	PROPN
hassl-4116	603	9	,	,	PUNCT
hassl-4116	603	10	&	&	CCONJ
hassl-4116	603	11	redi	redi	PROPN
hassl-4116	603	12	,	,	PUNCT
hassl-4116	603	13	a.	a.	NOUN
hassl-4116	603	14	(	(	PUNCT
hassl-4116	603	15	2023	2023	NUM
hassl-4116	603	16	)	)	PUNCT
hassl-4116	603	17	.	.	PUNCT
hassl-4116	604	1	legal	legal	ADJ
hassl-4116	604	2	guarantee	guarantee	NOUN
hassl-4116	604	3	of	of	ADP
hassl-4116	604	4	confidentiality	confidentiality	NOUN
hassl-4116	604	5	of	of	ADP
hassl-4116	604	6	customer	customer	NOUN
hassl-4116	604	7	data	datum	NOUN
hassl-4116	604	8	in	in	ADP
hassl-4116	604	9	online	online	ADJ
hassl-4116	604	10	loan	loan	NOUN
hassl-4116	604	11	business	business	NOUN
hassl-4116	604	12	services	service	NOUN
hassl-4116	604	13	.	.	PUNCT
hassl-4116	605	1	interdiciplinary	interdiciplinary	ADJ
hassl-4116	605	2	journal	journal	PROPN
hassl-4116	605	3	and	and	CCONJ
hassl-4116	605	4	hummanity	hummanity	NOUN
hassl-4116	605	5	,	,	PUNCT
hassl-4116	605	6	2(2	2(2	NUM
hassl-4116	605	7	)	)	PUNCT
hassl-4116	605	8	,	,	PUNCT
hassl-4116	605	9	78	78	NUM
hassl-4116	605	10	-	-	SYM
hassl-4116	605	11	84	84	NUM
hassl-4116	605	12	.	.	PUNCT
hassl-4116	606	1	saputra	saputra	PROPN
hassl-4116	606	2	,	,	PUNCT
hassl-4116	606	3	f.	f.	PROPN
hassl-4116	606	4	(	(	PUNCT
hassl-4116	606	5	2024	2024	NUM
hassl-4116	606	6	)	)	PUNCT
hassl-4116	606	7	.	.	PUNCT
hassl-4116	607	1	total	total	ADJ
hassl-4116	607	2	aset	aset	NOUN
hassl-4116	607	3	fintech	fintech	NOUN
hassl-4116	607	4	lending	lending	NOUN
hassl-4116	607	5	kuartal	kuartal	PROPN
hassl-4116	607	6	iv-2023	iv-2023	PROPN
hassl-4116	607	7	turun	turun	PROPN
hassl-4116	607	8	5	5	NUM
hassl-4116	607	9	%	%	NOUN
hassl-4116	607	10	.	.	PUNCT
hassl-4116	608	1	kontan.co.id	kontan.co.id	PROPN
hassl-4116	608	2	.	.	PROPN
hassl-4116	608	3	retrieved	retrieve	VERB
hassl-4116	608	4	from	from	ADP
hassl-4116	608	5	https://keuangan.kontan.co.id/news/total-aset-fintech-lending-kuartal-iv-2023-turun-5-secara-kuartalan	https://keuangan.kontan.co.id/news/total-aset-fintech-lending-kuartal-iv-2023-turun-5-secara-kuartalan	PROPN
hassl-4116	608	6	sari	sari	NOUN
hassl-4116	608	7	,	,	PUNCT
hassl-4116	608	8	h.	h.	PROPN
hassl-4116	608	9	c.	c.	PROPN
hassl-4116	608	10	(	(	PUNCT
hassl-4116	608	11	2022	2022	NUM
hassl-4116	608	12	)	)	PUNCT
hassl-4116	608	13	.	.	PUNCT
hassl-4116	609	1	the	the	DET
hassl-4116	609	2	impact	impact	NOUN
hassl-4116	609	3	of	of	ADP
hassl-4116	609	4	perceived	perceive	VERB
hassl-4116	609	5	risk	risk	NOUN
hassl-4116	609	6	,	,	PUNCT
hassl-4116	609	7	perceived	perceive	VERB
hassl-4116	609	8	benefit	benefit	NOUN
hassl-4116	609	9	,	,	PUNCT
hassl-4116	609	10	and	and	CCONJ
hassl-4116	609	11	trust	trust	NOUN
hassl-4116	609	12	on	on	ADP
hassl-4116	609	13	customer	customer	NOUN
hassl-4116	609	14	intention	intention	NOUN
hassl-4116	609	15	to	to	PART
hassl-4116	609	16	use	use	VERB
hassl-4116	609	17	tokopedia	tokopedia	NOUN
hassl-4116	609	18	apps	app	NOUN
hassl-4116	609	19	.	.	PUNCT
hassl-4116	610	1	jurnal	jurnal	PROPN
hassl-4116	610	2	bisnis	bisnis	PROPN
hassl-4116	610	3	strategi	strategi	PROPN
hassl-4116	610	4	,	,	PUNCT
hassl-4116	610	5	31(2	31(2	NUM
hassl-4116	610	6	)	)	PUNCT
hassl-4116	610	7	,	,	PUNCT
hassl-4116	610	8	145	145	NUM
hassl-4116	610	9	-	-	SYM
hassl-4116	610	10	159	159	NUM
hassl-4116	610	11	.	.	PUNCT
hassl-4116	610	12	schueffel	schueffel	NOUN
hassl-4116	610	13	,	,	PUNCT
hassl-4116	610	14	p.	p.	NOUN
hassl-4116	610	15	(	(	PUNCT
hassl-4116	610	16	2016	2016	NUM
hassl-4116	610	17	)	)	PUNCT
hassl-4116	610	18	.	.	PUNCT
hassl-4116	611	1	taming	tame	VERB
hassl-4116	611	2	the	the	DET
hassl-4116	611	3	beast	beast	NOUN
hassl-4116	611	4	:	:	PUNCT
hassl-4116	611	5	a	a	DET
hassl-4116	611	6	scientific	scientific	ADJ
hassl-4116	611	7	definition	definition	NOUN
hassl-4116	611	8	of	of	ADP
hassl-4116	611	9	fintech	fintech	NOUN
hassl-4116	611	10	.	.	PUNCT
hassl-4116	612	1	journal	journal	PROPN
hassl-4116	612	2	of	of	ADP
hassl-4116	612	3	innovation	innovation	NOUN
hassl-4116	612	4	management	management	NOUN
hassl-4116	612	5	,	,	PUNCT
hassl-4116	612	6	4(4	4(4	NUM
hassl-4116	612	7	)	)	PUNCT
hassl-4116	612	8	,	,	PUNCT
hassl-4116	612	9	32	32	NUM
hassl-4116	612	10	-	-	SYM
hassl-4116	612	11	54	54	NUM
hassl-4116	612	12	.	.	PUNCT
hassl-4116	613	1	sekarningrum	sekarningrum	NOUN
hassl-4116	613	2	,	,	PUNCT
hassl-4116	613	3	a.	a.	NOUN
hassl-4116	613	4	(	(	PUNCT
hassl-4116	613	5	2022	2022	NUM
hassl-4116	613	6	)	)	PUNCT
hassl-4116	613	7	.	.	PUNCT
hassl-4116	614	1	february	february	PROPN
hassl-4116	614	2	the	the	DET
hassl-4116	614	3	journey	journey	NOUN
hassl-4116	614	4	of	of	ADP
hassl-4116	614	5	indonesian	indonesian	ADJ
hassl-4116	614	6	startups	startup	NOUN
hassl-4116	614	7	in	in	ADP
hassl-4116	614	8	the	the	DET
hassl-4116	614	9	last	last	ADJ
hassl-4116	614	10	10	10	NUM
hassl-4116	614	11	years	year	NOUN
hassl-4116	614	12	and	and	CCONJ
hassl-4116	614	13	a	a	DET
hassl-4116	614	14	list	list	NOUN
hassl-4116	614	15	of	of	ADP
hassl-4116	614	16	companies	company	NOUN
hassl-4116	614	17	ekrut.com	ekrut.com	X
hassl-4116	614	18	,	,	PUNCT
hassl-4116	614	19	february	february	PROPN
hassl-4116	614	20	.	.	PUNCT
hassl-4116	615	1	retrieved	retrieve	VERB
hassl-4116	615	2	from	from	ADP
hassl-4116	615	3	https://www.ekrut.com/media/startup-indonesia	https://www.ekrut.com/media/startup-indonesia	PROPN
hassl-4116	615	4	shao	shao	PROPN
hassl-4116	615	5	,	,	PUNCT
hassl-4116	615	6	z.	z.	PROPN
hassl-4116	615	7	,	,	PUNCT
hassl-4116	615	8	zhang	zhang	PROPN
hassl-4116	615	9	,	,	PUNCT
hassl-4116	615	10	l.	l.	PROPN
hassl-4116	615	11	,	,	PUNCT
hassl-4116	615	12	li	li	PROPN
hassl-4116	615	13	,	,	PUNCT
hassl-4116	615	14	x.	x.	NOUN
hassl-4116	615	15	,	,	PUNCT
hassl-4116	615	16	&	&	CCONJ
hassl-4116	615	17	guo	guo	PROPN
hassl-4116	615	18	,	,	PUNCT
hassl-4116	615	19	y.	y.	PROPN
hassl-4116	615	20	(	(	PUNCT
hassl-4116	615	21	2019	2019	NUM
hassl-4116	615	22	)	)	PUNCT
hassl-4116	615	23	.	.	PUNCT
hassl-4116	616	1	antecedents	antecedent	NOUN
hassl-4116	616	2	of	of	ADP
hassl-4116	616	3	trust	trust	NOUN
hassl-4116	616	4	and	and	CCONJ
hassl-4116	616	5	continuance	continuance	NOUN
hassl-4116	616	6	intention	intention	NOUN
hassl-4116	616	7	in	in	ADP
hassl-4116	616	8	mobile	mobile	ADJ
hassl-4116	616	9	payment	payment	NOUN
hassl-4116	616	10	platforms	platform	NOUN
hassl-4116	616	11	:	:	PUNCT
hassl-4116	616	12	the	the	DET
hassl-4116	616	13	moderating	moderate	VERB
hassl-4116	616	14	effect	effect	NOUN
hassl-4116	616	15	of	of	ADP
hassl-4116	616	16	gender	gender	NOUN
hassl-4116	616	17	.	.	PUNCT
hassl-4116	617	1	electronic	electronic	ADJ
hassl-4116	617	2	commerce	commerce	NOUN
hassl-4116	617	3	research	research	NOUN
hassl-4116	617	4	and	and	CCONJ
hassl-4116	617	5	applications	application	NOUN
hassl-4116	617	6	,	,	PUNCT
hassl-4116	617	7	33	33	NUM
hassl-4116	617	8	,	,	PUNCT
hassl-4116	617	9	100823	100823	NUM
hassl-4116	617	10	.	.	PUNCT
hassl-4116	618	1	https://doi.org/10.1016/j.elerap.2018.100823	https://doi.org/10.1016/j.elerap.2018.100823	ADJ
hassl-4116	618	2	shaw	shaw	PROPN
hassl-4116	618	3	,	,	PUNCT
hassl-4116	618	4	n.	n.	NOUN
hassl-4116	618	5	(	(	PUNCT
hassl-4116	618	6	2014	2014	NUM
hassl-4116	618	7	)	)	PUNCT
hassl-4116	618	8	.	.	PUNCT
hassl-4116	619	1	the	the	DET
hassl-4116	619	2	mediating	mediate	VERB
hassl-4116	619	3	influence	influence	NOUN
hassl-4116	619	4	of	of	ADP
hassl-4116	619	5	trust	trust	NOUN
hassl-4116	619	6	in	in	ADP
hassl-4116	619	7	the	the	DET
hassl-4116	619	8	adoption	adoption	NOUN
hassl-4116	619	9	of	of	ADP
hassl-4116	619	10	the	the	DET
hassl-4116	619	11	mobile	mobile	ADJ
hassl-4116	619	12	wallet	wallet	NOUN
hassl-4116	619	13	.	.	PUNCT
hassl-4116	620	1	journal	journal	NOUN
hassl-4116	620	2	of	of	ADP
hassl-4116	620	3	retailing	retailing	NOUN
hassl-4116	620	4	and	and	CCONJ
hassl-4116	620	5	consumer	consumer	NOUN
hassl-4116	620	6	services	service	NOUN
hassl-4116	620	7	,	,	PUNCT
hassl-4116	620	8	21(4	21(4	NUM
hassl-4116	620	9	)	)	PUNCT
hassl-4116	620	10	,	,	PUNCT
hassl-4116	620	11	449	449	NUM
hassl-4116	620	12	-	-	SYM
hassl-4116	620	13	459	459	NUM
hassl-4116	620	14	.	.	PUNCT
hassl-4116	621	1	https://doi.org/10.1016/j.jretconser.2014.03.008	https://doi.org/10.1016/j.jretconser.2014.03.008	PROPN
hassl-4116	621	2	sheppard	sheppard	PROPN
hassl-4116	621	3	,	,	PUNCT
hassl-4116	621	4	b.	b.	PROPN
hassl-4116	621	5	h.	h.	PROPN
hassl-4116	621	6	,	,	PUNCT
hassl-4116	621	7	hartwick	hartwick	PROPN
hassl-4116	621	8	,	,	PUNCT
hassl-4116	621	9	j.	j.	PROPN
hassl-4116	621	10	,	,	PUNCT
hassl-4116	621	11	&	&	CCONJ
hassl-4116	621	12	warshaw	warshaw	PROPN
hassl-4116	621	13	,	,	PUNCT
hassl-4116	621	14	p.	p.	PROPN
hassl-4116	621	15	r.	r.	PROPN
hassl-4116	621	16	(	(	PUNCT
hassl-4116	621	17	1988	1988	NUM
hassl-4116	621	18	)	)	PUNCT
hassl-4116	621	19	.	.	PUNCT
hassl-4116	622	1	the	the	DET
hassl-4116	622	2	theory	theory	NOUN
hassl-4116	622	3	of	of	ADP
hassl-4116	622	4	reasoned	reasoned	ADJ
hassl-4116	622	5	action	action	NOUN
hassl-4116	622	6	:	:	PUNCT
hassl-4116	622	7	a	a	DET
hassl-4116	622	8	meta	meta	ADJ
hassl-4116	622	9	-	-	PUNCT
hassl-4116	622	10	analysis	analysis	NOUN
hassl-4116	622	11	of	of	ADP
hassl-4116	622	12	past	past	ADJ
hassl-4116	622	13	research	research	NOUN
hassl-4116	622	14	with	with	ADP
hassl-4116	622	15	recommendations	recommendation	NOUN
hassl-4116	622	16	for	for	ADP
hassl-4116	622	17	modifications	modification	NOUN
hassl-4116	622	18	and	and	CCONJ
hassl-4116	622	19	future	future	ADJ
hassl-4116	622	20	research	research	NOUN
hassl-4116	622	21	.	.	PUNCT
hassl-4116	623	1	journal	journal	NOUN
hassl-4116	623	2	of	of	ADP
hassl-4116	623	3	consumer	consumer	NOUN
hassl-4116	623	4	research	research	NOUN
hassl-4116	623	5	,	,	PUNCT
hassl-4116	623	6	15(3	15(3	NUM
hassl-4116	623	7	)	)	PUNCT
hassl-4116	623	8	,	,	PUNCT
hassl-4116	623	9	325–343	325–343	NUM
hassl-4116	623	10	.	.	PUNCT
hassl-4116	623	11	sum	sum	NOUN
hassl-4116	623	12	chau	chau	NOUN
hassl-4116	623	13	,	,	PUNCT
hassl-4116	623	14	v.	v.	ADV
hassl-4116	623	15	,	,	PUNCT
hassl-4116	623	16	&	&	CCONJ
hassl-4116	623	17	ngai	ngai	PROPN
hassl-4116	623	18	,	,	PUNCT
hassl-4116	623	19	l.	l.	PROPN
hassl-4116	623	20	w.	w.	PROPN
hassl-4116	623	21	(	(	PUNCT
hassl-4116	623	22	2010	2010	NUM
hassl-4116	623	23	)	)	PUNCT
hassl-4116	623	24	.	.	PUNCT
hassl-4116	624	1	the	the	DET
hassl-4116	624	2	youth	youth	NOUN
hassl-4116	624	3	market	market	NOUN
hassl-4116	624	4	for	for	ADP
hassl-4116	624	5	internet	internet	NOUN
hassl-4116	624	6	banking	banking	NOUN
hassl-4116	624	7	services	service	NOUN
hassl-4116	624	8	:	:	PUNCT
hassl-4116	624	9	perceptions	perception	NOUN
hassl-4116	624	10	,	,	PUNCT
hassl-4116	624	11	attitude	attitude	NOUN
hassl-4116	624	12	and	and	CCONJ
hassl-4116	624	13	behaviour	behaviour	NOUN
hassl-4116	624	14	.	.	PUNCT
hassl-4116	625	1	journal	journal	PROPN
hassl-4116	625	2	of	of	ADP
hassl-4116	625	3	services	service	NOUN
hassl-4116	625	4	marketing	marketing	NOUN
hassl-4116	625	5	,	,	PUNCT
hassl-4116	625	6	24(1	24(1	NUM
hassl-4116	625	7	)	)	PUNCT
hassl-4116	625	8	,	,	PUNCT
hassl-4116	625	9	42	42	NUM
hassl-4116	625	10	-	-	SYM
hassl-4116	625	11	60	60	NUM
hassl-4116	625	12	.	.	PUNCT
hassl-4116	626	1	https://doi.org/10.1108/08876041011017880	https://doi.org/10.1108/08876041011017880	ADJ
hassl-4116	626	2	tanadi	tanadi	NOUN
hassl-4116	626	3	,	,	PUNCT
hassl-4116	626	4	t.	t.	NOUN
hassl-4116	626	5	,	,	PUNCT
hassl-4116	626	6	samadi	samadi	NOUN
hassl-4116	626	7	,	,	PUNCT
hassl-4116	626	8	b.	b.	PROPN
hassl-4116	626	9	,	,	PUNCT
hassl-4116	626	10	&	&	CCONJ
hassl-4116	626	11	gharleghi	gharleghi	PROPN
hassl-4116	626	12	,	,	PUNCT
hassl-4116	626	13	b.	b.	PROPN
hassl-4116	626	14	(	(	PUNCT
hassl-4116	626	15	2015	2015	NUM
hassl-4116	626	16	)	)	PUNCT
hassl-4116	626	17	.	.	PUNCT
hassl-4116	627	1	the	the	DET
hassl-4116	627	2	impact	impact	NOUN
hassl-4116	627	3	of	of	ADP
hassl-4116	627	4	perceived	perceive	VERB
hassl-4116	627	5	risks	risk	NOUN
hassl-4116	627	6	and	and	CCONJ
hassl-4116	627	7	perceived	perceive	VERB
hassl-4116	627	8	benefits	benefit	NOUN
hassl-4116	627	9	to	to	PART
hassl-4116	627	10	improve	improve	VERB
hassl-4116	627	11	an	an	DET
hassl-4116	627	12	online	online	ADJ
hassl-4116	627	13	intention	intention	NOUN
hassl-4116	627	14	among	among	ADP
hassl-4116	627	15	generation	generation	NOUN
hassl-4116	627	16	-	-	PUNCT
hassl-4116	627	17	y	y	NOUN
hassl-4116	627	18	in	in	ADP
hassl-4116	627	19	malaysia	malaysia	PROPN
hassl-4116	627	20	.	.	PUNCT
hassl-4116	628	1	asian	asian	ADJ
hassl-4116	628	2	social	social	ADJ
hassl-4116	628	3	science	science	NOUN
hassl-4116	628	4	,	,	PUNCT
hassl-4116	628	5	11(26	11(26	PROPN
hassl-4116	628	6	)	)	PUNCT
hassl-4116	628	7	,	,	PUNCT
hassl-4116	628	8	226	226	NUM
hassl-4116	628	9	-	-	SYM
hassl-4116	628	10	238	238	NUM
hassl-4116	628	11	.	.	PUNCT
hassl-4116	628	12	https://doi.org/10.5539/ass.v11n26p226	https://doi.org/10.5539/ass.v11n26p226	PROPN
hassl-4116	628	13	tang	tang	PROPN
hassl-4116	628	14	,	,	PUNCT
hassl-4116	628	15	k.	k.	PROPN
hassl-4116	628	16	l.	l.	PROPN
hassl-4116	628	17	,	,	PUNCT
hassl-4116	628	18	ooi	ooi	PROPN
hassl-4116	628	19	,	,	PUNCT
hassl-4116	628	20	c.	c.	PROPN
hassl-4116	628	21	k.	k.	PROPN
hassl-4116	628	22	,	,	PUNCT
hassl-4116	628	23	&	&	CCONJ
hassl-4116	628	24	chong	chong	PROPN
hassl-4116	628	25	,	,	PUNCT
hassl-4116	628	26	j.	j.	PROPN
hassl-4116	628	27	b.	b.	PROPN
hassl-4116	628	28	(	(	PUNCT
hassl-4116	628	29	2020	2020	NUM
hassl-4116	628	30	)	)	PUNCT
hassl-4116	628	31	.	.	PUNCT
hassl-4116	629	1	perceived	perceive	VERB
hassl-4116	629	2	risk	risk	NOUN
hassl-4116	629	3	factors	factor	NOUN
hassl-4116	629	4	affect	affect	VERB
hassl-4116	629	5	intention	intention	NOUN
hassl-4116	629	6	to	to	PART
hassl-4116	629	7	use	use	VERB
hassl-4116	629	8	fintech	fintech	NOUN
hassl-4116	629	9	.	.	PUNCT
hassl-4116	630	1	journal	journal	PROPN
hassl-4116	630	2	of	of	ADP
hassl-4116	630	3	accounting	accounting	NOUN
hassl-4116	630	4	and	and	CCONJ
hassl-4116	630	5	finance	finance	NOUN
hassl-4116	630	6	in	in	ADP
hassl-4116	630	7	emerging	emerge	VERB
hassl-4116	630	8	economies	economy	NOUN
hassl-4116	630	9	,	,	PUNCT
hassl-4116	630	10	6(2	6(2	NUM
hassl-4116	630	11	)	)	PUNCT
hassl-4116	630	12	,	,	PUNCT
hassl-4116	630	13	453	453	NUM
hassl-4116	630	14	-	-	SYM
hassl-4116	630	15	463	463	NUM
hassl-4116	630	16	.	.	PUNCT
hassl-4116	631	1	https://doi.org/10.26710/jafee.v6i2.1101	https://doi.org/10.26710/jafee.v6i2.1101	PROPN
hassl-4116	631	2	venkatesh	venkatesh	NOUN
hassl-4116	631	3	,	,	PUNCT
hassl-4116	631	4	v.	v.	PROPN
hassl-4116	631	5	,	,	PUNCT
hassl-4116	631	6	&	&	CCONJ
hassl-4116	631	7	davis	davis	PROPN
hassl-4116	631	8	,	,	PUNCT
hassl-4116	631	9	f.	f.	PROPN
hassl-4116	631	10	d.	d.	PROPN
hassl-4116	631	11	(	(	PUNCT
hassl-4116	631	12	2000	2000	NUM
hassl-4116	631	13	)	)	PUNCT
hassl-4116	631	14	.	.	PUNCT
hassl-4116	632	1	a	a	DET
hassl-4116	632	2	theoretical	theoretical	ADJ
hassl-4116	632	3	extension	extension	NOUN
hassl-4116	632	4	of	of	ADP
hassl-4116	632	5	the	the	DET
hassl-4116	632	6	technology	technology	NOUN
hassl-4116	632	7	acceptance	acceptance	NOUN
hassl-4116	632	8	model	model	NOUN
hassl-4116	632	9	:	:	PUNCT
hassl-4116	632	10	four	four	NUM
hassl-4116	632	11	longitudinal	longitudinal	ADJ
hassl-4116	632	12	field	field	NOUN
hassl-4116	632	13	studies	study	NOUN
hassl-4116	632	14	.	.	PUNCT
hassl-4116	633	1	management	management	NOUN
hassl-4116	633	2	science	science	NOUN
hassl-4116	633	3	,	,	PUNCT
hassl-4116	633	4	46(2	46(2	NOUN
hassl-4116	633	5	)	)	PUNCT
hassl-4116	633	6	,	,	PUNCT
hassl-4116	633	7	186	186	NUM
hassl-4116	633	8	-	-	SYM
hassl-4116	633	9	204	204	NUM
hassl-4116	633	10	.	.	PUNCT
hassl-4116	634	1	https://doi.org/10.1287/mnsc.46.2.186.11926	https://doi.org/10.1287/mnsc.46.2.186.11926	PROPN
hassl-4116	634	2	visakha	visakha	ADJ
hassl-4116	634	3	,	,	PUNCT
hassl-4116	634	4	m.	m.	NOUN
hassl-4116	634	5	d.	d.	PROPN
hassl-4116	634	6	,	,	PUNCT
hassl-4116	634	7	&	&	CCONJ
hassl-4116	634	8	keni	keni	PROPN
hassl-4116	634	9	,	,	PUNCT
hassl-4116	634	10	k.	k.	PROPN
hassl-4116	634	11	(	(	PUNCT
hassl-4116	634	12	2022	2022	NUM
hassl-4116	634	13	)	)	PUNCT
hassl-4116	634	14	.	.	PUNCT
hassl-4116	635	1	the	the	DET
hassl-4116	635	2	impact	impact	NOUN
hassl-4116	635	3	of	of	ADP
hassl-4116	635	4	security	security	NOUN
hassl-4116	635	5	and	and	CCONJ
hassl-4116	635	6	perceived	perceive	VERB
hassl-4116	635	7	ease	ease	NOUN
hassl-4116	635	8	of	of	ADP
hassl-4116	635	9	use	use	NOUN
hassl-4116	635	10	on	on	ADP
hassl-4116	635	11	reuse	reuse	NOUN
hassl-4116	635	12	intention	intention	NOUN
hassl-4116	635	13	of	of	ADP
hassl-4116	635	14	e	e	NOUN
hassl-4116	635	15	-	-	NOUN
hassl-4116	635	16	wallet	wallet	NOUN
hassl-4116	635	17	users	user	NOUN
hassl-4116	635	18	in	in	ADP
hassl-4116	635	19	jakarta	jakarta	PROPN
hassl-4116	635	20	:	:	PUNCT
hassl-4116	635	21	the	the	DET
hassl-4116	635	22	mediating	mediate	VERB
hassl-4116	635	23	role	role	NOUN
hassl-4116	635	24	of	of	ADP
hassl-4116	635	25	e	e	NOUN
hassl-4116	635	26	-	-	NOUN
hassl-4116	635	27	satisfaction	satisfaction	NOUN
hassl-4116	635	28	.	.	PUNCT
hassl-4116	636	1	paper	paper	NOUN
hassl-4116	636	2	presented	present	VERB
hassl-4116	636	3	at	at	ADP
hassl-4116	636	4	the	the	DET
hassl-4116	636	5	proceedings	proceeding	NOUN
hassl-4116	636	6	of	of	ADP
hassl-4116	636	7	the	the	DET
hassl-4116	636	8	3rd	3rd	PROPN
hassl-4116	636	9	tarumanagara	tarumanagara	PROPN
hassl-4116	636	10	international	international	ADJ
hassl-4116	636	11	conference	conference	NOUN
hassl-4116	636	12	https://doi.org/10.47153/jbmr410.8522023	https://doi.org/10.47153/jbmr410.8522023	PUNCT
hassl-4116	636	13	https://doi.org/10.17509/jaset.v13i2.37212	https://doi.org/10.17509/jaset.v13i2.37212	NUM
hassl-4116	636	14	https://doi.org/10.1142/s0219649220400250	https://doi.org/10.1142/s0219649220400250	PROPN
hassl-4116	636	15	https://assets.kpmg.com/content/dam/kpmg/xx/pdf/2024/02/pulse-of-fintech-h2-2023.pdf	https://assets.kpmg.com/content/dam/kpmg/xx/pdf/2024/02/pulse-of-fintech-h2-2023.pdf	PROPN
hassl-4116	636	16	https://doi.org/10.1108/lbsjmr-11-2022-0076	https://doi.org/10.1108/lbsjmr-11-2022-0076	ADJ
hassl-4116	636	17	https://keuangan.kontan.co.id/news/total-aset-fintech-lending-kuartal-iv-2023-turun-5-secara-kuartalan	https://keuangan.kontan.co.id/news/total-aset-fintech-lending-kuartal-iv-2023-turun-5-secara-kuartalan	NOUN
hassl-4116	636	18	https://www.ekrut.com/media/startup-indonesia	https://www.ekrut.com/media/startup-indonesia	PRON
hassl-4116	636	19	https://doi.org/10.1016/j.elerap.2018.100823	https://doi.org/10.1016/j.elerap.2018.100823	ADV
hassl-4116	636	20	https://doi.org/10.1016/j.jretconser.2014.03.008	https://doi.org/10.1016/j.jretconser.2014.03.008	PROPN
hassl-4116	636	21	https://doi.org/10.1108/08876041011017880	https://doi.org/10.1108/08876041011017880	ADJ
hassl-4116	636	22	https://doi.org/10.5539/ass.v11n26p226	https://doi.org/10.5539/ass.v11n26p226	VERB
hassl-4116	637	1	https://doi.org/10.26710/jafee.v6i2.1101	https://doi.org/10.26710/jafee.v6i2.1101	PRON
hassl-4116	637	2	https://doi.org/10.1287/mnsc.46.2.186.11926	https://doi.org/10.1287/mnsc.46.2.186.11926	NOUN
hassl-4116	637	3	humanities	humanity	NOUN
hassl-4116	637	4	and	and	CCONJ
hassl-4116	637	5	social	social	ADJ
hassl-4116	637	6	sciences	science	NOUN
hassl-4116	637	7	letters	letter	NOUN
hassl-4116	637	8	,	,	PUNCT
hassl-4116	637	9	2025	2025	NUM
hassl-4116	637	10	,	,	PUNCT
hassl-4116	637	11	13(2	13(2	NUM
hassl-4116	637	12	):	):	PUNCT
hassl-4116	637	13	409	409	NUM
hassl-4116	637	14	-	-	SYM
hassl-4116	637	15	427	427	NUM
hassl-4116	637	16	427	427	NUM
hassl-4116	637	17	©	©	ADP
hassl-4116	637	18	2025	2025	NUM
hassl-4116	637	19	conscientia	conscientia	PROPN
hassl-4116	637	20	beam	beam	PROPN
hassl-4116	637	21	.	.	PUNCT
hassl-4116	638	1	all	all	DET
hassl-4116	638	2	rights	right	NOUN
hassl-4116	638	3	reserved	reserve	VERB
hassl-4116	638	4	.	.	PUNCT
hassl-4116	639	1	on	on	ADP
hassl-4116	639	2	the	the	DET
hassl-4116	639	3	applications	application	NOUN
hassl-4116	639	4	of	of	ADP
hassl-4116	639	5	social	social	ADJ
hassl-4116	639	6	sciences	science	NOUN
hassl-4116	639	7	and	and	CCONJ
hassl-4116	639	8	humanities	humanity	NOUN
hassl-4116	639	9	(	(	PUNCT
hassl-4116	639	10	ticash	ticash	NOUN
hassl-4116	639	11	2021	2021	NUM
hassl-4116	639	12	)	)	PUNCT
hassl-4116	639	13	,	,	PUNCT
hassl-4116	639	14	655(ticash	655(ticash	NOUN
hassl-4116	639	15	2021	2021	NUM
hassl-4116	639	16	)	)	PUNCT
hassl-4116	639	17	,	,	PUNCT
hassl-4116	639	18	36–42	36–42	NUM
hassl-4116	639	19	.	.	PUNCT
hassl-4116	640	1	doi.org/10.2991/assehr.k.220404.007	doi.org/10.2991/assehr.k.220404.007	PROPN
hassl-4116	640	2	.	.	PUNCT
hassl-4116	641	1	wang	wang	PROPN
hassl-4116	641	2	,	,	PUNCT
hassl-4116	641	3	z.	z.	PROPN
hassl-4116	641	4	,	,	PUNCT
hassl-4116	641	5	guan	guan	PROPN
hassl-4116	641	6	,	,	PUNCT
hassl-4116	641	7	z.	z.	PROPN
hassl-4116	641	8	,	,	PUNCT
hassl-4116	641	9	hou	hou	PROPN
hassl-4116	641	10	,	,	PUNCT
hassl-4116	641	11	f.	f.	PROPN
hassl-4116	641	12	,	,	PUNCT
hassl-4116	641	13	li	li	PROPN
hassl-4116	641	14	,	,	PUNCT
hassl-4116	641	15	b.	b.	PROPN
hassl-4116	641	16	,	,	PUNCT
hassl-4116	641	17	&	&	CCONJ
hassl-4116	641	18	zhou	zhou	PROPN
hassl-4116	641	19	,	,	PUNCT
hassl-4116	641	20	w.	w.	PROPN
hassl-4116	641	21	(	(	PUNCT
hassl-4116	641	22	2019	2019	NUM
hassl-4116	641	23	)	)	PUNCT
hassl-4116	641	24	.	.	PUNCT
hassl-4116	642	1	what	what	PRON
hassl-4116	642	2	determines	determine	VERB
hassl-4116	642	3	customers	customer	NOUN
hassl-4116	642	4	’	’	PART
hassl-4116	642	5	continuance	continuance	NOUN
hassl-4116	642	6	intention	intention	NOUN
hassl-4116	642	7	of	of	ADP
hassl-4116	642	8	fintech	fintech	NOUN
hassl-4116	642	9	?	?	PUNCT
hassl-4116	642	10	evidence	evidence	NOUN
hassl-4116	642	11	from	from	ADP
hassl-4116	642	12	yuebao	yuebao	PROPN
hassl-4116	642	13	.	.	PUNCT
hassl-4116	643	1	industrial	industrial	ADJ
hassl-4116	643	2	management	management	PROPN
hassl-4116	643	3	&	&	CCONJ
hassl-4116	643	4	data	datum	NOUN
hassl-4116	643	5	systems	system	NOUN
hassl-4116	643	6	,	,	PUNCT
hassl-4116	643	7	119(8	119(8	NUM
hassl-4116	643	8	)	)	PUNCT
hassl-4116	643	9	,	,	PUNCT
hassl-4116	643	10	1625	1625	NUM
hassl-4116	643	11	-	-	SYM
hassl-4116	643	12	1637	1637	NUM
hassl-4116	643	13	.	.	PUNCT
hassl-4116	644	1	https://doi.org/10.1108/imds-012019-0011	https://doi.org/10.1108/imds-012019-0011	PROPN
hassl-4116	644	2	wen	wen	PROPN
hassl-4116	644	3	,	,	PUNCT
hassl-4116	644	4	c.	c.	PROPN
hassl-4116	644	5	,	,	PUNCT
hassl-4116	644	6	prybutok	prybutok	NOUN
hassl-4116	644	7	,	,	PUNCT
hassl-4116	644	8	v.	v.	PROPN
hassl-4116	644	9	r.	r.	PROPN
hassl-4116	644	10	,	,	PUNCT
hassl-4116	644	11	&	&	CCONJ
hassl-4116	644	12	xu	xu	PROPN
hassl-4116	644	13	,	,	PUNCT
hassl-4116	644	14	c.	c.	PROPN
hassl-4116	644	15	(	(	PUNCT
hassl-4116	644	16	2011	2011	NUM
hassl-4116	644	17	)	)	PUNCT
hassl-4116	644	18	.	.	PUNCT
hassl-4116	645	1	an	an	DET
hassl-4116	645	2	integrated	integrate	VERB
hassl-4116	645	3	model	model	NOUN
hassl-4116	645	4	for	for	ADP
hassl-4116	645	5	customer	customer	NOUN
hassl-4116	645	6	online	online	ADV
hassl-4116	645	7	repurchase	repurchase	PROPN
hassl-4116	645	8	intention	intention	NOUN
hassl-4116	645	9	.	.	PUNCT
hassl-4116	646	1	journal	journal	NOUN
hassl-4116	646	2	of	of	ADP
hassl-4116	646	3	computer	computer	NOUN
hassl-4116	646	4	information	information	NOUN
hassl-4116	646	5	systems	system	NOUN
hassl-4116	646	6	,	,	PUNCT
hassl-4116	646	7	52(1	52(1	NOUN
hassl-4116	646	8	)	)	PUNCT
hassl-4116	646	9	,	,	PUNCT
hassl-4116	646	10	14	14	NUM
hassl-4116	646	11	-	-	SYM
hassl-4116	646	12	23	23	NUM
hassl-4116	646	13	.	.	PUNCT
hassl-4116	647	1	wilson	wilson	PROPN
hassl-4116	647	2	,	,	PUNCT
hassl-4116	647	3	n.	n.	PROPN
hassl-4116	647	4	(	(	PUNCT
hassl-4116	647	5	2019	2019	NUM
hassl-4116	647	6	)	)	PUNCT
hassl-4116	647	7	.	.	PUNCT
hassl-4116	648	1	the	the	DET
hassl-4116	648	2	impact	impact	NOUN
hassl-4116	648	3	of	of	ADP
hassl-4116	648	4	perceived	perceive	VERB
hassl-4116	648	5	usefulness	usefulness	NOUN
hassl-4116	648	6	and	and	CCONJ
hassl-4116	648	7	perceived	perceive	VERB
hassl-4116	648	8	ease	ease	NOUN
hassl-4116	648	9	-	-	PUNCT
hassl-4116	648	10	of	of	ADP
hassl-4116	648	11	-	-	PUNCT
hassl-4116	648	12	use	use	NOUN
hassl-4116	648	13	toward	toward	ADP
hassl-4116	648	14	repurchase	repurchase	VERB
hassl-4116	648	15	intention	intention	NOUN
hassl-4116	648	16	in	in	ADP
hassl-4116	648	17	the	the	DET
hassl-4116	648	18	indonesian	indonesian	ADJ
hassl-4116	648	19	e	e	PROPN
hassl-4116	648	20	-	-	PROPN
hassl-4116	648	21	commerce	commerce	NOUN
hassl-4116	648	22	industry	industry	NOUN
hassl-4116	648	23	.	.	PUNCT
hassl-4116	649	1	jurnal	jurnal	ADJ
hassl-4116	649	2	manajemen	manajeman	NOUN
hassl-4116	649	3	indonesia	indonesia	PROPN
hassl-4116	649	4	,	,	PUNCT
hassl-4116	649	5	19(3	19(3	NUM
hassl-4116	649	6	)	)	PUNCT
hassl-4116	649	7	,	,	PUNCT
hassl-4116	649	8	241	241	PROPN
hassl-4116	649	9	-	-	SYM
hassl-4116	649	10	249	249	NUM
hassl-4116	649	11	.	.	PUNCT
hassl-4116	650	1	wilson	wilson	PROPN
hassl-4116	650	2	,	,	PUNCT
hassl-4116	650	3	n.	n.	NOUN
hassl-4116	650	4	,	,	PUNCT
hassl-4116	650	5	alvita	alvita	PROPN
hassl-4116	650	6	,	,	PUNCT
hassl-4116	650	7	m.	m.	NOUN
hassl-4116	650	8	,	,	PUNCT
hassl-4116	650	9	&	&	CCONJ
hassl-4116	650	10	wibisono	wibisono	PROPN
hassl-4116	650	11	,	,	PUNCT
hassl-4116	650	12	j.	j.	PROPN
hassl-4116	650	13	(	(	PUNCT
hassl-4116	650	14	2021	2021	NUM
hassl-4116	650	15	)	)	PUNCT
hassl-4116	650	16	.	.	PUNCT
hassl-4116	651	1	the	the	DET
hassl-4116	651	2	effect	effect	NOUN
hassl-4116	651	3	of	of	ADP
hassl-4116	651	4	perceived	perceive	VERB
hassl-4116	651	5	ease	ease	NOUN
hassl-4116	651	6	of	of	ADP
hassl-4116	651	7	use	use	NOUN
hassl-4116	651	8	and	and	CCONJ
hassl-4116	651	9	perceived	perceive	VERB
hassl-4116	651	10	security	security	NOUN
hassl-4116	651	11	toward	toward	ADP
hassl-4116	651	12	satisfaction	satisfaction	NOUN
hassl-4116	651	13	and	and	CCONJ
hassl-4116	651	14	repurchase	repurchase	VERB
hassl-4116	651	15	intention	intention	NOUN
hassl-4116	651	16	.	.	PUNCT
hassl-4116	652	1	jurnal	jurnal	ADJ
hassl-4116	652	2	muara	muara	PROPN
hassl-4116	652	3	ilmu	ilmu	PROPN
hassl-4116	652	4	ekonomi	ekonomi	PROPN
hassl-4116	652	5	dan	dan	PROPN
hassl-4116	652	6	bisnis	bisnis	PROPN
hassl-4116	652	7	,	,	PUNCT
hassl-4116	652	8	5(1	5(1	NUM
hassl-4116	652	9	)	)	PUNCT
hassl-4116	652	10	,	,	PUNCT
hassl-4116	652	11	145	145	NUM
hassl-4116	652	12	-	-	SYM
hassl-4116	652	13	159	159	NUM
hassl-4116	652	14	.	.	PUNCT
hassl-4116	653	1	wonglimpiyarat	wonglimpiyarat	PROPN
hassl-4116	653	2	,	,	PUNCT
hassl-4116	653	3	j.	j.	PROPN
hassl-4116	653	4	(	(	PUNCT
hassl-4116	653	5	2011	2011	NUM
hassl-4116	653	6	)	)	PUNCT
hassl-4116	653	7	.	.	PUNCT
hassl-4116	654	1	the	the	DET
hassl-4116	654	2	dynamics	dynamic	NOUN
hassl-4116	654	3	of	of	ADP
hassl-4116	654	4	financial	financial	ADJ
hassl-4116	654	5	innovation	innovation	NOUN
hassl-4116	654	6	system	system	NOUN
hassl-4116	654	7	.	.	PUNCT
hassl-4116	655	1	the	the	DET
hassl-4116	655	2	journal	journal	NOUN
hassl-4116	655	3	of	of	ADP
hassl-4116	655	4	high	high	ADJ
hassl-4116	655	5	technology	technology	NOUN
hassl-4116	655	6	management	management	NOUN
hassl-4116	655	7	research	research	NOUN
hassl-4116	655	8	,	,	PUNCT
hassl-4116	655	9	22(1	22(1	NUM
hassl-4116	655	10	)	)	PUNCT
hassl-4116	655	11	,	,	PUNCT
hassl-4116	655	12	36	36	NUM
hassl-4116	655	13	-	-	SYM
hassl-4116	655	14	46	46	NUM
hassl-4116	655	15	.	.	PUNCT
hassl-4116	656	1	https://doi.org/10.1016/j.hitech.2011.03.003	https://doi.org/10.1016/j.hitech.2011.03.003	PROPN
hassl-4116	656	2	zhang	zhang	PROPN
hassl-4116	656	3	,	,	PUNCT
hassl-4116	656	4	x.	x.	PROPN
hassl-4116	656	5	,	,	PUNCT
hassl-4116	656	6	&	&	CCONJ
hassl-4116	656	7	yu	yu	PROPN
hassl-4116	656	8	,	,	PUNCT
hassl-4116	656	9	x.	x.	NOUN
hassl-4116	656	10	(	(	PUNCT
hassl-4116	656	11	2020	2020	NUM
hassl-4116	656	12	)	)	PUNCT
hassl-4116	656	13	.	.	PUNCT
hassl-4116	657	1	the	the	DET
hassl-4116	657	2	impact	impact	NOUN
hassl-4116	657	3	of	of	ADP
hassl-4116	657	4	perceived	perceive	VERB
hassl-4116	657	5	risk	risk	NOUN
hassl-4116	657	6	on	on	ADP
hassl-4116	657	7	consumers	consumer	NOUN
hassl-4116	657	8	’	'	PUNCT
hassl-4116	657	9	cross	cross	ADJ
hassl-4116	657	10	-	-	ADJ
hassl-4116	657	11	platform	platform	ADJ
hassl-4116	657	12	buying	buying	NOUN
hassl-4116	657	13	behavior	behavior	NOUN
hassl-4116	657	14	.	.	PUNCT
hassl-4116	658	1	frontiers	frontier	NOUN
hassl-4116	658	2	in	in	ADP
hassl-4116	658	3	psychology	psychology	NOUN
hassl-4116	658	4	,	,	PUNCT
hassl-4116	658	5	11	11	NUM
hassl-4116	658	6	,	,	PUNCT
hassl-4116	658	7	592246	592246	NUM
hassl-4116	658	8	.	.	PUNCT
hassl-4116	659	1	https://doi.org/10.3389/fpsyg.2020.592246	https://doi.org/10.3389/fpsyg.2020.592246	PROPN
hassl-4116	659	2	views	view	NOUN
hassl-4116	659	3	and	and	CCONJ
hassl-4116	659	4	opinions	opinion	NOUN
hassl-4116	659	5	expressed	express	VERB
hassl-4116	659	6	in	in	ADP
hassl-4116	659	7	this	this	DET
hassl-4116	659	8	article	article	NOUN
hassl-4116	659	9	are	be	AUX
hassl-4116	659	10	the	the	DET
hassl-4116	659	11	views	view	NOUN
hassl-4116	659	12	and	and	CCONJ
hassl-4116	659	13	opinions	opinion	NOUN
hassl-4116	659	14	of	of	ADP
hassl-4116	659	15	the	the	DET
hassl-4116	659	16	author(s	author(s	NOUN
hassl-4116	659	17	)	)	PUNCT
hassl-4116	659	18	,	,	PUNCT
hassl-4116	659	19	humanities	humanity	NOUN
hassl-4116	659	20	and	and	CCONJ
hassl-4116	659	21	social	social	ADJ
hassl-4116	659	22	sciences	science	NOUN
hassl-4116	659	23	letters	letter	NOUN
hassl-4116	659	24	shall	shall	AUX
hassl-4116	659	25	not	not	PART
hassl-4116	659	26	be	be	AUX
hassl-4116	659	27	responsible	responsible	ADJ
hassl-4116	659	28	or	or	CCONJ
hassl-4116	659	29	answerable	answerable	ADJ
hassl-4116	659	30	for	for	ADP
hassl-4116	659	31	any	any	DET
hassl-4116	659	32	loss	loss	NOUN
hassl-4116	659	33	,	,	PUNCT
hassl-4116	659	34	damage	damage	NOUN
hassl-4116	659	35	or	or	CCONJ
hassl-4116	659	36	liability	liability	NOUN
hassl-4116	659	37	etc	etc	X
hassl-4116	659	38	.	.	X
hassl-4116	660	1	caused	cause	VERB
hassl-4116	660	2	in	in	ADP
hassl-4116	660	3	relation	relation	NOUN
hassl-4116	660	4	to	to	PART
hassl-4116	660	5	/	/	PUNCT
hassl-4116	660	6	arising	arise	VERB
hassl-4116	660	7	out	out	ADP
hassl-4116	660	8	of	of	ADP
hassl-4116	660	9	the	the	DET
hassl-4116	660	10	use	use	NOUN
hassl-4116	660	11	of	of	ADP
hassl-4116	660	12	the	the	DET
hassl-4116	660	13	content	content	NOUN
hassl-4116	660	14	.	.	PUNCT
hassl-4116	661	1	https://doi.org/10.1108/imds-01-2019-0011	https://doi.org/10.1108/imds-01-2019-0011	PROPN
hassl-4116	661	2	https://doi.org/10.1108/imds-01-2019-0011	https://doi.org/10.1108/imds-01-2019-0011	NOUN
hassl-4116	661	3	https://doi.org/10.1016/j.hitech.2011.03.003	https://doi.org/10.1016/j.hitech.2011.03.003	NOUN
hassl-4116	661	4	https://doi.org/10.3389/fpsyg.2020.592246	https://doi.org/10.3389/fpsyg.2020.592246	PROPN