id	sid	tid	token	lemma	pos
ijtc-1014	1	1	the	the	DET
ijtc-1014	1	2	illomata	illomata	PROPN
ijtc-1014	1	3	international	international	PROPN
ijtc-1014	1	4	journal	journal	PROPN
ijtc-1014	1	5	of	of	ADP
ijtc-1014	1	6	management	management	NOUN
ijtc-1014	1	7	ilomata	ilomata	PROPN
ijtc-1014	1	8	international	international	ADJ
ijtc-1014	1	9	journal	journal	NOUN
ijtc-1014	1	10	of	of	ADP
ijtc-1014	1	11	tax	tax	PROPN
ijtc-1014	1	12	&	&	CCONJ
ijtc-1014	1	13	accounting	account	VERB
ijtc-1014	1	14	p	p	PROPN
ijtc-1014	1	15	-	-	PUNCT
ijtc-1014	1	16	issn	issn	NOUN
ijtc-1014	1	17	:	:	PUNCT
ijtc-1014	1	18	2714	2714	NUM
ijtc-1014	1	19	-	-	SYM
ijtc-1014	1	20	9838	9838	NUM
ijtc-1014	1	21	;	;	PUNCT
ijtc-1014	1	22	e	e	X
ijtc-1014	1	23	-	-	PUNCT
ijtc-1014	1	24	issn	issn	NOUN
ijtc-1014	1	25	:	:	PUNCT
ijtc-1014	1	26	2714	2714	NUM
ijtc-1014	1	27	-	-	SYM
ijtc-1014	1	28	9846	9846	NUM
ijtc-1014	1	29	volume	volume	NOUN
ijtc-1014	1	30	5	5	NUM
ijtc-1014	1	31	,	,	PUNCT
ijtc-1014	1	32	issue	issue	NOUN
ijtc-1014	1	33	1	1	NUM
ijtc-1014	1	34	,	,	PUNCT
ijtc-1014	1	35	january	january	PROPN
ijtc-1014	1	36	2024	2024	NUM
ijtc-1014	1	37	page	page	NOUN
ijtc-1014	1	38	no	no	NOUN
ijtc-1014	1	39	.	.	NOUN
ijtc-1014	1	40	280	280	NUM
ijtc-1014	1	41	-	-	SYM
ijtc-1014	1	42	291	291	NUM
ijtc-1014	1	43	280	280	NUM
ijtc-1014	1	44	|	|	CCONJ
ijtc-1014	1	45	ilomata	ilomata	NOUN
ijtc-1014	1	46	international	international	ADJ
ijtc-1014	1	47	journal	journal	NOUN
ijtc-1014	1	48	of	of	ADP
ijtc-1014	1	49	tax	tax	PROPN
ijtc-1014	1	50	&	&	CCONJ
ijtc-1014	1	51	accounting	account	VERB
ijtc-1014	1	52	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	PROPN
ijtc-1014	1	53	the	the	DET
ijtc-1014	1	54	impact	impact	NOUN
ijtc-1014	1	55	of	of	ADP
ijtc-1014	1	56	financial	financial	ADJ
ijtc-1014	1	57	literacy	literacy	NOUN
ijtc-1014	1	58	and	and	CCONJ
ijtc-1014	1	59	digital	digital	ADJ
ijtc-1014	1	60	awareness	awareness	NOUN
ijtc-1014	1	61	on	on	ADP
ijtc-1014	1	62	investment	investment	NOUN
ijtc-1014	1	63	intentions	intention	NOUN
ijtc-1014	1	64	meidy	meidy	VERB
ijtc-1014	1	65	lieke	lieke	VERB
ijtc-1014	1	66	karundeng1	karundeng1	PROPN
ijtc-1014	1	67	,	,	PUNCT
ijtc-1014	1	68	valentine	valentine	PROPN
ijtc-1014	1	69	siagian2	siagian2	PROPN
ijtc-1014	1	70	,	,	PUNCT
ijtc-1014	1	71	francis	francis	PROPN
ijtc-1014	1	72	hutabarat3	hutabarat3	PROPN
ijtc-1014	1	73	,	,	PUNCT
ijtc-1014	1	74	hisar	hisar	PROPN
ijtc-1014	1	75	pangaribuan4	pangaribuan4	PROPN
ijtc-1014	1	76	1234universitas	1234universitas	PROPN
ijtc-1014	1	77	advent	advent	PROPN
ijtc-1014	1	78	indonesia	indonesia	PROPN
ijtc-1014	1	79	,	,	PUNCT
ijtc-1014	1	80	indonesia	indonesia	PROPN
ijtc-1014	1	81	correspondent	correspondent	NOUN
ijtc-1014	1	82	:	:	PUNCT
ijtc-1014	1	83	meidy.widijanto@unai.edu1	meidy.widijanto@unai.edu1	PROPN
ijtc-1014	1	84	received	receive	VERB
ijtc-1014	1	85	:	:	PUNCT
ijtc-1014	1	86	november	november	PROPN
ijtc-1014	1	87	10	10	NUM
ijtc-1014	1	88	,	,	PUNCT
ijtc-1014	1	89	2023	2023	NUM
ijtc-1014	1	90	accepted	accept	VERB
ijtc-1014	1	91	:	:	PUNCT
ijtc-1014	1	92	january	january	PROPN
ijtc-1014	1	93	24	24	NUM
ijtc-1014	1	94	,	,	PUNCT
ijtc-1014	1	95	2024	2024	NUM
ijtc-1014	1	96	published	publish	VERB
ijtc-1014	1	97	:	:	PUNCT
ijtc-1014	1	98	january	january	PROPN
ijtc-1014	1	99	31	31	NUM
ijtc-1014	1	100	,	,	PUNCT
ijtc-1014	1	101	2024	2024	NUM
ijtc-1014	1	102	citation	citation	NOUN
ijtc-1014	1	103	:	:	PUNCT
ijtc-1014	1	104	karundeng	karundeng	PROPN
ijtc-1014	1	105	,	,	PUNCT
ijtc-1014	1	106	m	m	PROPN
ijtc-1014	1	107	,	,	PUNCT
ijtc-1014	1	108	k.	k.	PROPN
ijtc-1014	1	109	,	,	PUNCT
ijtc-1014	1	110	siagian	siagian	PROPN
ijtc-1014	1	111	,	,	PUNCT
ijtc-1014	1	112	v.	v.	PROPN
ijtc-1014	1	113	,	,	PUNCT
ijtc-1014	1	114	hutabarat	hutabarat	PROPN
ijtc-1014	1	115	,	,	PUNCT
ijtc-1014	1	116	f.	f.	PROPN
ijtc-1014	1	117	,	,	PUNCT
ijtc-1014	1	118	pangaribuan	pangaribuan	PROPN
ijtc-1014	1	119	,	,	PUNCT
ijtc-1014	1	120	h.	h.	PROPN
ijtc-1014	1	121	(	(	PUNCT
ijtc-1014	1	122	2024	2024	NUM
ijtc-1014	1	123	)	)	PUNCT
ijtc-1014	1	124	.	.	PUNCT
ijtc-1014	2	1	the	the	DET
ijtc-1014	2	2	impact	impact	NOUN
ijtc-1014	2	3	of	of	ADP
ijtc-1014	2	4	financial	financial	ADJ
ijtc-1014	2	5	literacy	literacy	NOUN
ijtc-1014	2	6	and	and	CCONJ
ijtc-1014	2	7	digital	digital	ADJ
ijtc-1014	2	8	awareness	awareness	NOUN
ijtc-1014	2	9	on	on	ADP
ijtc-1014	2	10	investment	investment	NOUN
ijtc-1014	2	11	intentions	intention	NOUN
ijtc-1014	2	12	.	.	PUNCT
ijtc-1014	3	1	ilomata	ilomata	PROPN
ijtc-1014	3	2	international	international	ADJ
ijtc-1014	3	3	journal	journal	PROPN
ijtc-1014	3	4	of	of	ADP
ijtc-1014	3	5	tax	tax	NOUN
ijtc-1014	3	6	anad	anad	PROPN
ijtc-1014	3	7	accounting	accounting	NOUN
ijtc-1014	3	8	,	,	PUNCT
ijtc-1014	3	9	5(1	5(1	NUM
ijtc-1014	3	10	)	)	PUNCT
ijtc-1014	3	11	,	,	PUNCT
ijtc-1014	3	12	280	280	NUM
ijtc-1014	3	13	-	-	SYM
ijtc-1014	3	14	291	291	NUM
ijtc-1014	3	15	.	.	PUNCT
ijtc-1014	4	1	https://doi.org/10.52728/ijtc.v5i1.1014	https://doi.org/10.52728/ijtc.v5i1.1014	PROPN
ijtc-1014	4	2	abstract	abstract	NOUN
ijtc-1014	4	3	:	:	PUNCT
ijtc-1014	4	4	investment	investment	NOUN
ijtc-1014	4	5	intention	intention	NOUN
ijtc-1014	4	6	is	be	AUX
ijtc-1014	4	7	one	one	NUM
ijtc-1014	4	8	important	important	ADJ
ijtc-1014	4	9	thing	thing	NOUN
ijtc-1014	4	10	in	in	ADP
ijtc-1014	4	11	life	life	NOUN
ijtc-1014	4	12	.	.	PUNCT
ijtc-1014	5	1	this	this	DET
ijtc-1014	5	2	study	study	NOUN
ijtc-1014	5	3	investigates	investigate	VERB
ijtc-1014	5	4	the	the	DET
ijtc-1014	5	5	impact	impact	NOUN
ijtc-1014	5	6	of	of	ADP
ijtc-1014	5	7	financial	financial	ADJ
ijtc-1014	5	8	literacy	literacy	NOUN
ijtc-1014	5	9	and	and	CCONJ
ijtc-1014	5	10	digital	digital	ADJ
ijtc-1014	5	11	awareness	awareness	NOUN
ijtc-1014	5	12	on	on	ADP
ijtc-1014	5	13	investment	investment	NOUN
ijtc-1014	5	14	intentions	intention	NOUN
ijtc-1014	5	15	.	.	PUNCT
ijtc-1014	6	1	questionnaires	questionnaire	NOUN
ijtc-1014	6	2	was	be	AUX
ijtc-1014	6	3	given	give	VERB
ijtc-1014	6	4	to	to	ADP
ijtc-1014	6	5	potential	potential	ADJ
ijtc-1014	6	6	and	and	CCONJ
ijtc-1014	6	7	active	active	ADJ
ijtc-1014	6	8	small	small	ADJ
ijtc-1014	6	9	medium	medium	NOUN
ijtc-1014	6	10	micro	micro	NOUN
ijtc-1014	6	11	enterprises	enterprise	NOUN
ijtc-1014	6	12	owners	owner	NOUN
ijtc-1014	6	13	collected	collect	VERB
ijtc-1014	6	14	via	via	ADP
ijtc-1014	6	15	an	an	DET
ijtc-1014	6	16	online	online	ADJ
ijtc-1014	6	17	survey	survey	NOUN
ijtc-1014	6	18	.	.	PUNCT
ijtc-1014	7	1	the	the	DET
ijtc-1014	7	2	questionnaires	questionnaire	NOUN
ijtc-1014	7	3	were	be	AUX
ijtc-1014	7	4	analyzed	analyze	VERB
ijtc-1014	7	5	using	use	VERB
ijtc-1014	7	6	descriptive	descriptive	ADJ
ijtc-1014	7	7	statistics	statistic	NOUN
ijtc-1014	7	8	and	and	CCONJ
ijtc-1014	7	9	hypotheses	hypothesis	NOUN
ijtc-1014	7	10	was	be	AUX
ijtc-1014	7	11	tested	test	VERB
ijtc-1014	7	12	using	use	VERB
ijtc-1014	7	13	multiple	multiple	ADJ
ijtc-1014	7	14	linear	linear	ADJ
ijtc-1014	7	15	regression	regression	NOUN
ijtc-1014	7	16	the	the	DET
ijtc-1014	7	17	results	result	NOUN
ijtc-1014	7	18	reveal	reveal	VERB
ijtc-1014	7	19	a	a	DET
ijtc-1014	7	20	positive	positive	ADJ
ijtc-1014	7	21	and	and	CCONJ
ijtc-1014	7	22	significant	significant	ADJ
ijtc-1014	7	23	correlation	correlation	NOUN
ijtc-1014	7	24	(	(	PUNCT
ijtc-1014	7	25	0.018	0.018	NUM
ijtc-1014	7	26	)	)	PUNCT
ijtc-1014	7	27	between	between	ADP
ijtc-1014	7	28	the	the	DET
ijtc-1014	7	29	two	two	NUM
ijtc-1014	7	30	independent	independent	ADJ
ijtc-1014	7	31	variables	variable	NOUN
ijtc-1014	7	32	and	and	CCONJ
ijtc-1014	7	33	investment	investment	NOUN
ijtc-1014	7	34	intentions	intention	NOUN
ijtc-1014	7	35	.	.	PUNCT
ijtc-1014	8	1	the	the	DET
ijtc-1014	8	2	results	result	NOUN
ijtc-1014	8	3	highlight	highlight	VERB
ijtc-1014	8	4	the	the	DET
ijtc-1014	8	5	importance	importance	NOUN
ijtc-1014	8	6	of	of	ADP
ijtc-1014	8	7	financial	financial	ADJ
ijtc-1014	8	8	and	and	CCONJ
ijtc-1014	8	9	digital	digital	ADJ
ijtc-1014	8	10	education	education	NOUN
ijtc-1014	8	11	in	in	ADP
ijtc-1014	8	12	enhancing	enhance	VERB
ijtc-1014	8	13	individuals	individual	NOUN
ijtc-1014	8	14	'	'	PART
ijtc-1014	8	15	propensity	propensity	NOUN
ijtc-1014	8	16	to	to	PART
ijtc-1014	8	17	invest	invest	VERB
ijtc-1014	8	18	,	,	PUNCT
ijtc-1014	8	19	suggesting	suggest	VERB
ijtc-1014	8	20	that	that	SCONJ
ijtc-1014	8	21	improved	improved	ADJ
ijtc-1014	8	22	literacy	literacy	NOUN
ijtc-1014	8	23	in	in	ADP
ijtc-1014	8	24	these	these	DET
ijtc-1014	8	25	areas	area	NOUN
ijtc-1014	8	26	can	can	AUX
ijtc-1014	8	27	foster	foster	VERB
ijtc-1014	8	28	greater	great	ADJ
ijtc-1014	8	29	investment	investment	NOUN
ijtc-1014	8	30	activity	activity	NOUN
ijtc-1014	8	31	.	.	PUNCT
ijtc-1014	9	1	these	these	DET
ijtc-1014	9	2	insights	insight	NOUN
ijtc-1014	9	3	are	be	AUX
ijtc-1014	9	4	particularly	particularly	ADV
ijtc-1014	9	5	valuable	valuable	ADJ
ijtc-1014	9	6	for	for	SCONJ
ijtc-1014	9	7	policymakers	policymaker	NOUN
ijtc-1014	9	8	and	and	CCONJ
ijtc-1014	9	9	practitioners	practitioner	NOUN
ijtc-1014	9	10	looking	look	VERB
ijtc-1014	9	11	to	to	PART
ijtc-1014	9	12	bolster	bolster	VERB
ijtc-1014	9	13	investment	investment	NOUN
ijtc-1014	9	14	participation	participation	NOUN
ijtc-1014	9	15	through	through	ADP
ijtc-1014	9	16	educational	educational	ADJ
ijtc-1014	9	17	initiatives	initiative	NOUN
ijtc-1014	9	18	,	,	PUNCT
ijtc-1014	9	19	underscoring	underscore	VERB
ijtc-1014	9	20	the	the	DET
ijtc-1014	9	21	need	need	NOUN
ijtc-1014	9	22	to	to	PART
ijtc-1014	9	23	integrate	integrate	VERB
ijtc-1014	9	24	financial	financial	ADJ
ijtc-1014	9	25	and	and	CCONJ
ijtc-1014	9	26	digital	digital	ADJ
ijtc-1014	9	27	literacy	literacy	NOUN
ijtc-1014	9	28	into	into	ADP
ijtc-1014	9	29	public	public	ADJ
ijtc-1014	9	30	learning	learning	NOUN
ijtc-1014	9	31	frameworks	framework	NOUN
ijtc-1014	9	32	.	.	PUNCT
ijtc-1014	10	1	keywords	keyword	NOUN
ijtc-1014	10	2	:	:	PUNCT
ijtc-1014	10	3	financial	financial	ADJ
ijtc-1014	10	4	literacy	literacy	NOUN
ijtc-1014	10	5	,	,	PUNCT
ijtc-1014	10	6	digital	digital	ADJ
ijtc-1014	10	7	awareness	awareness	NOUN
ijtc-1014	10	8	,	,	PUNCT
ijtc-1014	10	9	investment	investment	NOUN
ijtc-1014	10	10	intention	intention	NOUN
ijtc-1014	10	11	this	this	PRON
ijtc-1014	10	12	is	be	AUX
ijtc-1014	10	13	an	an	DET
ijtc-1014	10	14	open	open	ADJ
ijtc-1014	10	15	access	access	NOUN
ijtc-1014	10	16	article	article	NOUN
ijtc-1014	10	17	under	under	ADP
ijtc-1014	10	18	the	the	DET
ijtc-1014	10	19	cc	cc	NOUN
ijtc-1014	10	20	-	-	PUNCT
ijtc-1014	10	21	by	by	ADP
ijtc-1014	10	22	4.0	4.0	NUM
ijtc-1014	10	23	license	license	NOUN
ijtc-1014	10	24	introduction	introduction	NOUN
ijtc-1014	10	25	in	in	ADP
ijtc-1014	10	26	the	the	DET
ijtc-1014	10	27	midst	midst	NOUN
ijtc-1014	10	28	of	of	ADP
ijtc-1014	10	29	the	the	DET
ijtc-1014	10	30	rapidly	rapidly	ADV
ijtc-1014	10	31	developing	develop	VERB
ijtc-1014	10	32	digital	digital	ADJ
ijtc-1014	10	33	era	era	NOUN
ijtc-1014	10	34	,	,	PUNCT
ijtc-1014	10	35	consumer	consumer	NOUN
ijtc-1014	10	36	behavior	behavior	NOUN
ijtc-1014	10	37	,	,	PUNCT
ijtc-1014	10	38	especially	especially	ADV
ijtc-1014	10	39	in	in	ADP
ijtc-1014	10	40	the	the	DET
ijtc-1014	10	41	context	context	NOUN
ijtc-1014	10	42	of	of	ADP
ijtc-1014	10	43	shopping	shopping	NOUN
ijtc-1014	10	44	,	,	PUNCT
ijtc-1014	10	45	has	have	AUX
ijtc-1014	10	46	experienced	experience	VERB
ijtc-1014	10	47	significant	significant	ADJ
ijtc-1014	10	48	changes	change	NOUN
ijtc-1014	10	49	.	.	PUNCT
ijtc-1014	11	1	the	the	DET
ijtc-1014	11	2	peak	peak	NOUN
ijtc-1014	11	3	was	be	AUX
ijtc-1014	11	4	seen	see	VERB
ijtc-1014	11	5	during	during	ADP
ijtc-1014	11	6	the	the	DET
ijtc-1014	11	7	pandemic	pandemic	ADJ
ijtc-1014	11	8	,	,	PUNCT
ijtc-1014	11	9	where	where	SCONJ
ijtc-1014	11	10	online	online	ADJ
ijtc-1014	11	11	purchases	purchase	NOUN
ijtc-1014	11	12	became	become	VERB
ijtc-1014	11	13	the	the	DET
ijtc-1014	11	14	main	main	ADJ
ijtc-1014	11	15	choice	choice	NOUN
ijtc-1014	11	16	for	for	ADP
ijtc-1014	11	17	many	many	ADJ
ijtc-1014	11	18	people(rossolov	people(rossolov	PROPN
ijtc-1014	11	19	et	et	PROPN
ijtc-1014	11	20	al	al	PROPN
ijtc-1014	11	21	.	.	PROPN
ijtc-1014	11	22	,	,	PUNCT
ijtc-1014	11	23	2021	2021	NUM
ijtc-1014	11	24	)	)	PUNCT
ijtc-1014	11	25	.	.	PUNCT
ijtc-1014	12	1	having	have	VERB
ijtc-1014	12	2	easy	easy	ADJ
ijtc-1014	12	3	access	access	NOUN
ijtc-1014	12	4	to	to	ADP
ijtc-1014	12	5	information	information	NOUN
ijtc-1014	12	6	through	through	ADP
ijtc-1014	12	7	digital	digital	ADJ
ijtc-1014	12	8	technology	technology	NOUN
ijtc-1014	12	9	has	have	AUX
ijtc-1014	12	10	not	not	PART
ijtc-1014	12	11	only	only	ADV
ijtc-1014	12	12	changed	change	VERB
ijtc-1014	12	13	the	the	DET
ijtc-1014	12	14	way	way	NOUN
ijtc-1014	12	15	we	we	PRON
ijtc-1014	12	16	shop	shop	VERB
ijtc-1014	12	17	but	but	CCONJ
ijtc-1014	12	18	also	also	ADV
ijtc-1014	12	19	how	how	SCONJ
ijtc-1014	12	20	we	we	PRON
ijtc-1014	12	21	make	make	VERB
ijtc-1014	12	22	decisions	decision	NOUN
ijtc-1014	12	23	,	,	PUNCT
ijtc-1014	12	24	especially	especially	ADV
ijtc-1014	12	25	those	those	PRON
ijtc-1014	12	26	related	relate	VERB
ijtc-1014	12	27	to	to	ADP
ijtc-1014	12	28	financial	financial	ADJ
ijtc-1014	12	29	decisions	decision	NOUN
ijtc-1014	12	30	(	(	PUNCT
ijtc-1014	12	31	bellini	bellini	X
ijtc-1014	12	32	et	et	PROPN
ijtc-1014	12	33	al	al	PROPN
ijtc-1014	12	34	.	.	PROPN
ijtc-1014	12	35	,	,	PUNCT
ijtc-1014	12	36	2016	2016	NUM
ijtc-1014	12	37	)	)	PUNCT
ijtc-1014	12	38	today	today	NOUN
ijtc-1014	12	39	,	,	PUNCT
ijtc-1014	12	40	with	with	SCONJ
ijtc-1014	12	41	so	so	ADV
ijtc-1014	12	42	much	much	ADJ
ijtc-1014	12	43	information	information	NOUN
ijtc-1014	12	44	accessible	accessible	ADJ
ijtc-1014	12	45	,	,	PUNCT
ijtc-1014	12	46	consumers	consumer	NOUN
ijtc-1014	12	47	have	have	VERB
ijtc-1014	12	48	the	the	DET
ijtc-1014	12	49	freedom	freedom	NOUN
ijtc-1014	12	50	to	to	PART
ijtc-1014	12	51	evaluate	evaluate	VERB
ijtc-1014	12	52	risks	risk	NOUN
ijtc-1014	12	53	before	before	ADP
ijtc-1014	12	54	making	make	VERB
ijtc-1014	12	55	important	important	ADJ
ijtc-1014	12	56	decisions	decision	NOUN
ijtc-1014	12	57	.	.	PUNCT
ijtc-1014	13	1	for	for	ADP
ijtc-1014	13	2	example	example	NOUN
ijtc-1014	13	3	,	,	PUNCT
ijtc-1014	13	4	in	in	ADP
ijtc-1014	13	5	business	business	NOUN
ijtc-1014	13	6	,	,	PUNCT
ijtc-1014	13	7	with	with	ADP
ijtc-1014	13	8	digital	digital	ADJ
ijtc-1014	13	9	technology	technology	NOUN
ijtc-1014	13	10	,	,	PUNCT
ijtc-1014	13	11	a	a	DET
ijtc-1014	13	12	person	person	NOUN
ijtc-1014	13	13	can	can	AUX
ijtc-1014	13	14	easily	easily	ADV
ijtc-1014	13	15	obtain	obtain	VERB
ijtc-1014	13	16	reference	reference	NOUN
ijtc-1014	13	17	knowledge	knowledge	NOUN
ijtc-1014	13	18	about	about	ADP
ijtc-1014	13	19	an	an	DET
ijtc-1014	13	20	investment(maharani	investment(maharani	PROPN
ijtc-1014	13	21	&	&	CCONJ
ijtc-1014	13	22	saputra	saputra	PROPN
ijtc-1014	13	23	,	,	PUNCT
ijtc-1014	13	24	2021	2021	NUM
ijtc-1014	13	25	)	)	PUNCT
ijtc-1014	13	26	,	,	PUNCT
ijtc-1014	13	27	understand	understand	VERB
ijtc-1014	13	28	potential	potential	ADJ
ijtc-1014	13	29	profits	profit	NOUN
ijtc-1014	13	30	and	and	CCONJ
ijtc-1014	13	31	losses	loss	NOUN
ijtc-1014	13	32	,	,	PUNCT
ijtc-1014	13	33	and	and	CCONJ
ijtc-1014	13	34	evaluate	evaluate	VERB
ijtc-1014	13	35	whether	whether	SCONJ
ijtc-1014	13	36	the	the	DET
ijtc-1014	13	37	risk	risk	NOUN
ijtc-1014	13	38	is	be	AUX
ijtc-1014	13	39	within	within	ADP
ijtc-1014	13	40	the	the	DET
ijtc-1014	13	41	individual	individual	NOUN
ijtc-1014	13	42	's	's	PART
ijtc-1014	13	43	risk	risk	NOUN
ijtc-1014	13	44	tolerance	tolerance	NOUN
ijtc-1014	13	45	or	or	CCONJ
ijtc-1014	13	46	not(bayar	not(bayar	PUNCT
ijtc-1014	13	47	et	et	PROPN
ijtc-1014	13	48	al	al	PROPN
ijtc-1014	13	49	.	.	PROPN
ijtc-1014	13	50	,	,	PUNCT
ijtc-1014	13	51	2020	2020	NUM
ijtc-1014	13	52	)	)	PUNCT
ijtc-1014	13	53	.	.	PUNCT
ijtc-1014	14	1	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	ADJ
ijtc-1014	14	2	mailto:meidy.widijanto@unai.edu	mailto:meidy.widijanto@unai.edu	PROPN
ijtc-1014	14	3	https://doi.org/10.52728/ijtc.v5i1.1014	https://doi.org/10.52728/ijtc.v5i1.1014	VERB
ijtc-1014	14	4	the	the	DET
ijtc-1014	14	5	impact	impact	NOUN
ijtc-1014	14	6	of	of	ADP
ijtc-1014	14	7	financial	financial	ADJ
ijtc-1014	14	8	literacy	literacy	NOUN
ijtc-1014	14	9	and	and	CCONJ
ijtc-1014	14	10	digital	digital	ADJ
ijtc-1014	14	11	awareness	awareness	NOUN
ijtc-1014	14	12	on	on	ADP
ijtc-1014	14	13	investment	investment	NOUN
ijtc-1014	14	14	intentions	intention	NOUN
ijtc-1014	14	15	karundeng	karundeng	PROPN
ijtc-1014	14	16	,	,	PUNCT
ijtc-1014	14	17	siagian	siagian	PROPN
ijtc-1014	14	18	,	,	PUNCT
ijtc-1014	14	19	hutabarat	hutabarat	PROPN
ijtc-1014	14	20	,	,	PUNCT
ijtc-1014	14	21	and	and	CCONJ
ijtc-1014	14	22	pangaribuan	pangaribuan	VERB
ijtc-1014	14	23	281	281	NUM
ijtc-1014	14	24	|	|	ADV
ijtc-1014	14	25	ilomata	ilomata	PROPN
ijtc-1014	14	26	international	international	ADJ
ijtc-1014	14	27	journal	journal	NOUN
ijtc-1014	14	28	of	of	ADP
ijtc-1014	14	29	tax	tax	PROPN
ijtc-1014	14	30	&	&	CCONJ
ijtc-1014	14	31	accounting	account	VERB
ijtc-1014	14	32	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	PROPN
ijtc-1014	14	33	an	an	DET
ijtc-1014	14	34	individual	individual	NOUN
ijtc-1014	14	35	's	's	PART
ijtc-1014	14	36	ability	ability	NOUN
ijtc-1014	14	37	to	to	PART
ijtc-1014	14	38	make	make	VERB
ijtc-1014	14	39	wise	wise	ADJ
ijtc-1014	14	40	financial	financial	ADJ
ijtc-1014	14	41	decisions	decision	NOUN
ijtc-1014	14	42	,	,	PUNCT
ijtc-1014	14	43	of	of	ADP
ijtc-1014	14	44	course	course	NOUN
ijtc-1014	14	45	,	,	PUNCT
ijtc-1014	14	46	can	can	AUX
ijtc-1014	14	47	not	not	PART
ijtc-1014	14	48	be	be	AUX
ijtc-1014	14	49	separated	separate	VERB
ijtc-1014	14	50	from	from	ADP
ijtc-1014	14	51	their	their	PRON
ijtc-1014	14	52	understanding	understanding	NOUN
ijtc-1014	14	53	(	(	PUNCT
ijtc-1014	14	54	financial	financial	ADJ
ijtc-1014	14	55	literacy	literacy	NOUN
ijtc-1014	14	56	)	)	PUNCT
ijtc-1014	14	57	and	and	CCONJ
ijtc-1014	14	58	awareness	awareness	NOUN
ijtc-1014	14	59	of	of	ADP
ijtc-1014	14	60	technology	technology	NOUN
ijtc-1014	14	61	(	(	PUNCT
ijtc-1014	14	62	digital	digital	ADJ
ijtc-1014	14	63	awareness	awareness	NOUN
ijtc-1014	14	64	)	)	PUNCT
ijtc-1014	14	65	(	(	PUNCT
ijtc-1014	14	66	hastings	hastings	PROPN
ijtc-1014	14	67	&	&	CCONJ
ijtc-1014	14	68	mitchell	mitchell	PROPN
ijtc-1014	14	69	,	,	PUNCT
ijtc-1014	14	70	2020	2020	NUM
ijtc-1014	14	71	;	;	PUNCT
ijtc-1014	14	72	moenjak	moenjak	PROPN
ijtc-1014	14	73	et	et	PROPN
ijtc-1014	14	74	al	al	PROPN
ijtc-1014	14	75	.	.	PROPN
ijtc-1014	14	76	,	,	PUNCT
ijtc-1014	14	77	2020	2020	NUM
ijtc-1014	14	78	)	)	PUNCT
ijtc-1014	14	79	.	.	PUNCT
ijtc-1014	15	1	good	good	ADJ
ijtc-1014	15	2	financial	financial	ADJ
ijtc-1014	15	3	literacy	literacy	NOUN
ijtc-1014	15	4	will	will	AUX
ijtc-1014	15	5	help	help	VERB
ijtc-1014	15	6	a	a	DET
ijtc-1014	15	7	person	person	NOUN
ijtc-1014	15	8	manage	manage	VERB
ijtc-1014	15	9	their	their	PRON
ijtc-1014	15	10	income	income	NOUN
ijtc-1014	15	11	wisely	wisely	ADV
ijtc-1014	15	12	,	,	PUNCT
ijtc-1014	15	13	while	while	SCONJ
ijtc-1014	15	14	digital	digital	ADJ
ijtc-1014	15	15	awareness	awareness	NOUN
ijtc-1014	15	16	ensures	ensure	VERB
ijtc-1014	15	17	that	that	SCONJ
ijtc-1014	15	18	the	the	DET
ijtc-1014	15	19	individual	individual	NOUN
ijtc-1014	15	20	is	be	AUX
ijtc-1014	15	21	able	able	ADJ
ijtc-1014	15	22	to	to	PART
ijtc-1014	15	23	use	use	VERB
ijtc-1014	15	24	technology	technology	NOUN
ijtc-1014	15	25	safely	safely	ADV
ijtc-1014	15	26	and	and	CCONJ
ijtc-1014	15	27	understands	understand	VERB
ijtc-1014	15	28	the	the	DET
ijtc-1014	15	29	potential	potential	ADJ
ijtc-1014	15	30	privacy	privacy	NOUN
ijtc-1014	15	31	risks	risk	NOUN
ijtc-1014	15	32	that	that	PRON
ijtc-1014	15	33	may	may	AUX
ijtc-1014	15	34	exist	exist	VERB
ijtc-1014	15	35	.	.	PUNCT
ijtc-1014	16	1	the	the	DET
ijtc-1014	16	2	digital	digital	PROPN
ijtc-1014	16	3	revolution	revolution	NOUN
ijtc-1014	16	4	has	have	AUX
ijtc-1014	16	5	transformed	transform	VERB
ijtc-1014	16	6	many	many	ADJ
ijtc-1014	16	7	aspects	aspect	NOUN
ijtc-1014	16	8	of	of	ADP
ijtc-1014	16	9	our	our	PRON
ijtc-1014	16	10	lives(imamov	lives(imamov	PROPN
ijtc-1014	16	11	&	&	CCONJ
ijtc-1014	16	12	semenikhina	semenikhina	PROPN
ijtc-1014	16	13	,	,	PUNCT
ijtc-1014	16	14	2021	2021	NUM
ijtc-1014	16	15	;	;	PUNCT
ijtc-1014	16	16	korte	korte	NOUN
ijtc-1014	16	17	,	,	PUNCT
ijtc-1014	16	18	2020	2020	NUM
ijtc-1014	16	19	;	;	PUNCT
ijtc-1014	16	20	pencarelli	pencarelli	NOUN
ijtc-1014	16	21	,	,	PUNCT
ijtc-1014	16	22	2020	2020	NUM
ijtc-1014	16	23	)	)	PUNCT
ijtc-1014	16	24	,	,	PUNCT
ijtc-1014	16	25	and	and	CCONJ
ijtc-1014	16	26	consumer	consumer	NOUN
ijtc-1014	16	27	behavior	behavior	NOUN
ijtc-1014	16	28	is	be	AUX
ijtc-1014	16	29	no	no	DET
ijtc-1014	16	30	exception	exception	NOUN
ijtc-1014	16	31	(	(	PUNCT
ijtc-1014	16	32	giza	giza	PROPN
ijtc-1014	16	33	&	&	CCONJ
ijtc-1014	16	34	wilk	wilk	PROPN
ijtc-1014	16	35	,	,	PUNCT
ijtc-1014	16	36	2021	2021	NUM
ijtc-1014	16	37	)	)	PUNCT
ijtc-1014	16	38	.	.	PUNCT
ijtc-1014	17	1	in	in	ADP
ijtc-1014	17	2	recent	recent	ADJ
ijtc-1014	17	3	years	year	NOUN
ijtc-1014	17	4	,	,	PUNCT
ijtc-1014	17	5	particularly	particularly	ADV
ijtc-1014	17	6	during	during	ADP
ijtc-1014	17	7	the	the	DET
ijtc-1014	17	8	pandemic	pandemic	NOUN
ijtc-1014	17	9	,	,	PUNCT
ijtc-1014	17	10	there	there	PRON
ijtc-1014	17	11	was	be	VERB
ijtc-1014	17	12	a	a	DET
ijtc-1014	17	13	notable	notable	ADJ
ijtc-1014	17	14	shift	shift	NOUN
ijtc-1014	17	15	in	in	ADP
ijtc-1014	17	16	how	how	SCONJ
ijtc-1014	17	17	people	people	NOUN
ijtc-1014	17	18	engaged	engage	VERB
ijtc-1014	17	19	with	with	ADP
ijtc-1014	17	20	financial	financial	ADJ
ijtc-1014	17	21	services	service	NOUN
ijtc-1014	17	22	and	and	CCONJ
ijtc-1014	17	23	investment	investment	NOUN
ijtc-1014	17	24	opportunities	opportunity	NOUN
ijtc-1014	17	25	.	.	PUNCT
ijtc-1014	18	1	the	the	DET
ijtc-1014	18	2	widespread	widespread	ADJ
ijtc-1014	18	3	adoption	adoption	NOUN
ijtc-1014	18	4	of	of	ADP
ijtc-1014	18	5	online	online	ADJ
ijtc-1014	18	6	shopping	shopping	NOUN
ijtc-1014	18	7	set	set	VERB
ijtc-1014	18	8	a	a	DET
ijtc-1014	18	9	precedent	precedent	NOUN
ijtc-1014	18	10	,	,	PUNCT
ijtc-1014	18	11	demonstrating	demonstrate	VERB
ijtc-1014	18	12	the	the	DET
ijtc-1014	18	13	broader	broad	ADJ
ijtc-1014	18	14	changes	change	NOUN
ijtc-1014	18	15	in	in	ADP
ijtc-1014	18	16	consumer	consumer	NOUN
ijtc-1014	18	17	habits	habit	NOUN
ijtc-1014	18	18	(	(	PUNCT
ijtc-1014	18	19	frank	frank	PROPN
ijtc-1014	18	20	&	&	CCONJ
ijtc-1014	18	21	peschel	peschel	PROPN
ijtc-1014	18	22	,	,	PUNCT
ijtc-1014	18	23	2020	2020	NUM
ijtc-1014	18	24	)	)	PUNCT
ijtc-1014	18	25	.	.	PUNCT
ijtc-1014	19	1	as	as	SCONJ
ijtc-1014	19	2	physical	physical	ADJ
ijtc-1014	19	3	markets	market	NOUN
ijtc-1014	19	4	shuttered	shuttered	ADJ
ijtc-1014	19	5	,	,	PUNCT
ijtc-1014	19	6	digital	digital	ADJ
ijtc-1014	19	7	platforms	platform	NOUN
ijtc-1014	19	8	surged	surge	VERB
ijtc-1014	19	9	in	in	ADP
ijtc-1014	19	10	popularity	popularity	NOUN
ijtc-1014	19	11	,	,	PUNCT
ijtc-1014	19	12	indicating	indicate	VERB
ijtc-1014	19	13	a	a	DET
ijtc-1014	19	14	fundamental	fundamental	ADJ
ijtc-1014	19	15	shift	shift	NOUN
ijtc-1014	19	16	in	in	ADP
ijtc-1014	19	17	purchase	purchase	NOUN
ijtc-1014	19	18	behaviors	behavior	NOUN
ijtc-1014	19	19	and	and	CCONJ
ijtc-1014	19	20	decision	decision	NOUN
ijtc-1014	19	21	-	-	PUNCT
ijtc-1014	19	22	making	make	VERB
ijtc-1014	19	23	processes	process	NOUN
ijtc-1014	19	24	.	.	PUNCT
ijtc-1014	20	1	this	this	DET
ijtc-1014	20	2	transition	transition	NOUN
ijtc-1014	20	3	has	have	VERB
ijtc-1014	20	4	significant	significant	ADJ
ijtc-1014	20	5	implications	implication	NOUN
ijtc-1014	20	6	for	for	ADP
ijtc-1014	20	7	financial	financial	ADJ
ijtc-1014	20	8	decision	decision	NOUN
ijtc-1014	20	9	-	-	PUNCT
ijtc-1014	20	10	making	making	NOUN
ijtc-1014	20	11	,	,	PUNCT
ijtc-1014	20	12	where	where	SCONJ
ijtc-1014	20	13	the	the	DET
ijtc-1014	20	14	ease	ease	NOUN
ijtc-1014	20	15	of	of	ADP
ijtc-1014	20	16	accessing	access	VERB
ijtc-1014	20	17	information	information	NOUN
ijtc-1014	20	18	and	and	CCONJ
ijtc-1014	20	19	executing	execute	VERB
ijtc-1014	20	20	transactions	transaction	NOUN
ijtc-1014	20	21	online	online	ADV
ijtc-1014	20	22	has	have	AUX
ijtc-1014	20	23	redefined	redefine	VERB
ijtc-1014	20	24	what	what	PRON
ijtc-1014	20	25	it	it	PRON
ijtc-1014	20	26	means	mean	VERB
ijtc-1014	20	27	to	to	PART
ijtc-1014	20	28	be	be	AUX
ijtc-1014	20	29	a	a	DET
ijtc-1014	20	30	savvy	savvy	ADJ
ijtc-1014	20	31	consumer	consumer	NOUN
ijtc-1014	20	32	or	or	CCONJ
ijtc-1014	20	33	investor	investor	NOUN
ijtc-1014	20	34	.	.	PUNCT
ijtc-1014	21	1	despite	despite	SCONJ
ijtc-1014	21	2	the	the	DET
ijtc-1014	21	3	increased	increase	VERB
ijtc-1014	21	4	availability	availability	NOUN
ijtc-1014	21	5	of	of	ADP
ijtc-1014	21	6	digital	digital	ADJ
ijtc-1014	21	7	tools	tool	NOUN
ijtc-1014	21	8	,	,	PUNCT
ijtc-1014	21	9	there	there	PRON
ijtc-1014	21	10	is	be	VERB
ijtc-1014	21	11	an	an	DET
ijtc-1014	21	12	observed	observed	ADJ
ijtc-1014	21	13	discrepancy	discrepancy	NOUN
ijtc-1014	21	14	in	in	ADP
ijtc-1014	21	15	investment	investment	NOUN
ijtc-1014	21	16	intentions	intention	NOUN
ijtc-1014	21	17	among	among	ADP
ijtc-1014	21	18	different	different	ADJ
ijtc-1014	21	19	demographics	demographic	NOUN
ijtc-1014	21	20	.	.	PUNCT
ijtc-1014	22	1	while	while	SCONJ
ijtc-1014	22	2	some	some	PRON
ijtc-1014	22	3	embrace	embrace	VERB
ijtc-1014	22	4	the	the	DET
ijtc-1014	22	5	digital	digital	ADJ
ijtc-1014	22	6	age	age	NOUN
ijtc-1014	22	7	's	's	PART
ijtc-1014	22	8	opportunities	opportunity	NOUN
ijtc-1014	22	9	,	,	PUNCT
ijtc-1014	22	10	others	other	NOUN
ijtc-1014	22	11	remain	remain	VERB
ijtc-1014	22	12	hesitant	hesitant	ADJ
ijtc-1014	22	13	,	,	PUNCT
ijtc-1014	22	14	underscoring	underscore	VERB
ijtc-1014	22	15	a	a	DET
ijtc-1014	22	16	complex	complex	ADJ
ijtc-1014	22	17	interplay	interplay	NOUN
ijtc-1014	22	18	between	between	ADP
ijtc-1014	22	19	digital	digital	ADJ
ijtc-1014	22	20	literacy	literacy	NOUN
ijtc-1014	22	21	,	,	PUNCT
ijtc-1014	22	22	financial	financial	ADJ
ijtc-1014	22	23	understanding	understanding	NOUN
ijtc-1014	22	24	,	,	PUNCT
ijtc-1014	22	25	and	and	CCONJ
ijtc-1014	22	26	investment	investment	NOUN
ijtc-1014	22	27	behaviors	behavior	NOUN
ijtc-1014	22	28	.	.	PUNCT
ijtc-1014	23	1	a	a	DET
ijtc-1014	23	2	deeper	deep	ADJ
ijtc-1014	23	3	look	look	NOUN
ijtc-1014	23	4	into	into	ADP
ijtc-1014	23	5	these	these	DET
ijtc-1014	23	6	patterns	pattern	NOUN
ijtc-1014	23	7	over	over	ADP
ijtc-1014	23	8	the	the	DET
ijtc-1014	23	9	last	last	ADJ
ijtc-1014	23	10	three	three	NUM
ijtc-1014	23	11	years	year	NOUN
ijtc-1014	23	12	shows	show	VERB
ijtc-1014	23	13	variations	variation	NOUN
ijtc-1014	23	14	in	in	ADP
ijtc-1014	23	15	investment	investment	NOUN
ijtc-1014	23	16	intentions	intention	NOUN
ijtc-1014	23	17	across	across	ADP
ijtc-1014	23	18	communities(hamad	communities(hamad	PROPN
ijtc-1014	23	19	et	et	PROPN
ijtc-1014	23	20	al	al	PROPN
ijtc-1014	23	21	.	.	PROPN
ijtc-1014	23	22	,	,	PUNCT
ijtc-1014	23	23	2021	2021	NUM
ijtc-1014	23	24	;	;	PUNCT
ijtc-1014	23	25	silalahi	silalahi	NOUN
ijtc-1014	23	26	et	et	PROPN
ijtc-1014	23	27	al	al	PROPN
ijtc-1014	23	28	.	.	PROPN
ijtc-1014	23	29	,	,	PUNCT
ijtc-1014	23	30	2020	2020	NUM
ijtc-1014	23	31	)	)	PUNCT
ijtc-1014	23	32	,	,	PUNCT
ijtc-1014	23	33	often	often	ADV
ijtc-1014	23	34	correlating	correlate	VERB
ijtc-1014	23	35	with	with	ADP
ijtc-1014	23	36	levels	level	NOUN
ijtc-1014	23	37	of	of	ADP
ijtc-1014	23	38	financial	financial	ADJ
ijtc-1014	23	39	and	and	CCONJ
ijtc-1014	23	40	digital	digital	ADJ
ijtc-1014	23	41	literacy	literacy	NOUN
ijtc-1014	23	42	.	.	PUNCT
ijtc-1014	24	1	concerns	concern	NOUN
ijtc-1014	24	2	about	about	ADP
ijtc-1014	24	3	online	online	ADJ
ijtc-1014	24	4	security	security	NOUN
ijtc-1014	24	5	,	,	PUNCT
ijtc-1014	24	6	privacy	privacy	NOUN
ijtc-1014	24	7	risks	risk	NOUN
ijtc-1014	24	8	,	,	PUNCT
ijtc-1014	24	9	and	and	CCONJ
ijtc-1014	24	10	the	the	DET
ijtc-1014	24	11	ability	ability	NOUN
ijtc-1014	24	12	to	to	PART
ijtc-1014	24	13	discern	discern	VERB
ijtc-1014	24	14	credible	credible	ADJ
ijtc-1014	24	15	financial	financial	ADJ
ijtc-1014	24	16	advice	advice	NOUN
ijtc-1014	24	17	online	online	ADV
ijtc-1014	24	18	further	far	ADV
ijtc-1014	24	19	exacerbate	exacerbate	VERB
ijtc-1014	24	20	this	this	DET
ijtc-1014	24	21	issue	issue	NOUN
ijtc-1014	24	22	,	,	PUNCT
ijtc-1014	24	23	suggesting	suggest	VERB
ijtc-1014	24	24	a	a	DET
ijtc-1014	24	25	gap	gap	NOUN
ijtc-1014	24	26	between	between	ADP
ijtc-1014	24	27	digital	digital	ADJ
ijtc-1014	24	28	accessibility	accessibility	NOUN
ijtc-1014	24	29	and	and	CCONJ
ijtc-1014	24	30	its	its	PRON
ijtc-1014	24	31	practical	practical	ADJ
ijtc-1014	24	32	,	,	PUNCT
ijtc-1014	24	33	beneficial	beneficial	ADJ
ijtc-1014	24	34	use	use	NOUN
ijtc-1014	24	35	in	in	ADP
ijtc-1014	24	36	personal	personal	ADJ
ijtc-1014	24	37	finance	finance	NOUN
ijtc-1014	24	38	.	.	PUNCT
ijtc-1014	25	1	figure	figure	NOUN
ijtc-1014	25	2	1	1	NUM
ijtc-1014	25	3	.	.	PUNCT
ijtc-1014	25	4	internet	internet	NOUN
ijtc-1014	25	5	utilization	utilization	NOUN
ijtc-1014	25	6	index	index	NOUN
ijtc-1014	25	7	by	by	ADP
ijtc-1014	25	8	workers	worker	NOUN
ijtc-1014	25	9	/	/	SYM
ijtc-1014	25	10	msmes	msme	NOUN
ijtc-1014	25	11	based	base	VERB
ijtc-1014	25	12	on	on	ADP
ijtc-1014	25	13	region	region	NOUN
ijtc-1014	25	14	(	(	PUNCT
ijtc-1014	25	15	2022	2022	NUM
ijtc-1014	25	16	)	)	PUNCT
ijtc-1014	25	17	source	source	NOUN
ijtc-1014	25	18	:	:	PUNCT
ijtc-1014	25	19	databoks	databok	NOUN
ijtc-1014	25	20	,	,	PUNCT
ijtc-1014	25	21	2023	2023	NUM
ijtc-1014	25	22	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	ADV
ijtc-1014	25	23	the	the	DET
ijtc-1014	25	24	impact	impact	NOUN
ijtc-1014	25	25	of	of	ADP
ijtc-1014	25	26	financial	financial	ADJ
ijtc-1014	25	27	literacy	literacy	NOUN
ijtc-1014	25	28	and	and	CCONJ
ijtc-1014	25	29	digital	digital	ADJ
ijtc-1014	25	30	awareness	awareness	NOUN
ijtc-1014	25	31	on	on	ADP
ijtc-1014	25	32	investment	investment	NOUN
ijtc-1014	25	33	intentions	intention	NOUN
ijtc-1014	25	34	karundeng	karundeng	PROPN
ijtc-1014	25	35	,	,	PUNCT
ijtc-1014	25	36	siagian	siagian	PROPN
ijtc-1014	25	37	,	,	PUNCT
ijtc-1014	25	38	hutabarat	hutabarat	PROPN
ijtc-1014	25	39	,	,	PUNCT
ijtc-1014	25	40	and	and	CCONJ
ijtc-1014	25	41	pangaribuan	pangaribuan	VERB
ijtc-1014	25	42	282	282	NUM
ijtc-1014	25	43	|	|	ADV
ijtc-1014	25	44	ilomata	ilomata	PROPN
ijtc-1014	25	45	international	international	ADJ
ijtc-1014	25	46	journal	journal	NOUN
ijtc-1014	25	47	of	of	ADP
ijtc-1014	25	48	tax	tax	PROPN
ijtc-1014	25	49	&	&	CCONJ
ijtc-1014	25	50	accounting	accounting	PROPN
ijtc-1014	25	51	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	PROPN
ijtc-1014	25	52	figure	figure	NOUN
ijtc-1014	25	53	one	one	NUM
ijtc-1014	25	54	shows	show	VERB
ijtc-1014	25	55	the	the	DET
ijtc-1014	25	56	internet	internet	NOUN
ijtc-1014	25	57	utilization	utilization	NOUN
ijtc-1014	25	58	index	index	NOUN
ijtc-1014	25	59	among	among	ADP
ijtc-1014	25	60	msme	msme	NOUN
ijtc-1014	25	61	's	's	PART
ijtc-1014	25	62	owners	owner	NOUN
ijtc-1014	25	63	by	by	ADP
ijtc-1014	25	64	region	region	NOUN
ijtc-1014	25	65	on	on	ADP
ijtc-1014	25	66	2022	2022	NUM
ijtc-1014	25	67	.	.	PUNCT
ijtc-1014	26	1	previous	previous	ADJ
ijtc-1014	26	2	studies	study	NOUN
ijtc-1014	26	3	offer	offer	VERB
ijtc-1014	26	4	a	a	DET
ijtc-1014	26	5	baseline	baseline	NOUN
ijtc-1014	26	6	for	for	ADP
ijtc-1014	26	7	comparison	comparison	NOUN
ijtc-1014	26	8	,	,	PUNCT
ijtc-1014	26	9	but	but	CCONJ
ijtc-1014	26	10	they	they	PRON
ijtc-1014	26	11	also	also	ADV
ijtc-1014	26	12	present	present	VERB
ijtc-1014	26	13	conflicting	conflicting	ADJ
ijtc-1014	26	14	findings	finding	NOUN
ijtc-1014	26	15	or	or	CCONJ
ijtc-1014	26	16	lack	lack	VERB
ijtc-1014	26	17	the	the	DET
ijtc-1014	26	18	specificity	specificity	NOUN
ijtc-1014	26	19	needed	need	VERB
ijtc-1014	26	20	for	for	ADP
ijtc-1014	26	21	a	a	DET
ijtc-1014	26	22	targeted	target	VERB
ijtc-1014	26	23	approach	approach	NOUN
ijtc-1014	26	24	.	.	PUNCT
ijtc-1014	27	1	some	some	DET
ijtc-1014	27	2	research	research	NOUN
ijtc-1014	27	3	indicates	indicate	VERB
ijtc-1014	27	4	a	a	DET
ijtc-1014	27	5	general	general	ADJ
ijtc-1014	27	6	increase	increase	NOUN
ijtc-1014	27	7	in	in	ADP
ijtc-1014	27	8	digital	digital	ADJ
ijtc-1014	27	9	engagement	engagement	NOUN
ijtc-1014	27	10	but	but	CCONJ
ijtc-1014	27	11	does	do	AUX
ijtc-1014	27	12	n’t	not	PART
ijtc-1014	27	13	necessarily	necessarily	ADV
ijtc-1014	27	14	translate	translate	VERB
ijtc-1014	27	15	to	to	ADP
ijtc-1014	27	16	higher	high	ADJ
ijtc-1014	27	17	investment	investment	NOUN
ijtc-1014	27	18	activities	activity	NOUN
ijtc-1014	27	19	(	(	PUNCT
ijtc-1014	27	20	jiang	jiang	PROPN
ijtc-1014	27	21	&	&	CCONJ
ijtc-1014	27	22	stylos	stylos	PROPN
ijtc-1014	27	23	,	,	PUNCT
ijtc-1014	27	24	2021	2021	NUM
ijtc-1014	27	25	;	;	PUNCT
ijtc-1014	27	26	oberländer	oberländer	NOUN
ijtc-1014	27	27	&	&	CCONJ
ijtc-1014	27	28	bipp	bipp	PROPN
ijtc-1014	27	29	,	,	PUNCT
ijtc-1014	27	30	2022	2022	NUM
ijtc-1014	27	31	)	)	PUNCT
ijtc-1014	27	32	,	,	PUNCT
ijtc-1014	27	33	while	while	SCONJ
ijtc-1014	27	34	others	other	NOUN
ijtc-1014	27	35	suggest	suggest	VERB
ijtc-1014	27	36	that	that	SCONJ
ijtc-1014	27	37	improved	improve	VERB
ijtc-1014	27	38	financial	financial	ADJ
ijtc-1014	27	39	literacy	literacy	NOUN
ijtc-1014	27	40	does	do	AUX
ijtc-1014	27	41	not	not	PART
ijtc-1014	27	42	always	always	ADV
ijtc-1014	27	43	lead	lead	VERB
ijtc-1014	27	44	to	to	ADP
ijtc-1014	27	45	better	well	ADJ
ijtc-1014	27	46	investment	investment	NOUN
ijtc-1014	27	47	decisions(garcía	decisions(garcía	PROPN
ijtc-1014	27	48	&	&	CCONJ
ijtc-1014	27	49	vila	vila	PROPN
ijtc-1014	27	50	,	,	PUNCT
ijtc-1014	27	51	2020	2020	NUM
ijtc-1014	27	52	)	)	PUNCT
ijtc-1014	27	53	.	.	PUNCT
ijtc-1014	28	1	these	these	DET
ijtc-1014	28	2	mixed	mix	VERB
ijtc-1014	28	3	results	result	NOUN
ijtc-1014	28	4	highlight	highlight	VERB
ijtc-1014	28	5	the	the	DET
ijtc-1014	28	6	need	need	NOUN
ijtc-1014	28	7	for	for	ADP
ijtc-1014	28	8	current	current	ADJ
ijtc-1014	28	9	research	research	NOUN
ijtc-1014	28	10	to	to	PART
ijtc-1014	28	11	dissect	dissect	VERB
ijtc-1014	28	12	the	the	DET
ijtc-1014	28	13	nuances	nuance	NOUN
ijtc-1014	28	14	of	of	ADP
ijtc-1014	28	15	investment	investment	NOUN
ijtc-1014	28	16	intentions	intention	NOUN
ijtc-1014	28	17	in	in	ADP
ijtc-1014	28	18	the	the	DET
ijtc-1014	28	19	digital	digital	ADJ
ijtc-1014	28	20	age	age	NOUN
ijtc-1014	28	21	more	more	ADV
ijtc-1014	28	22	accurately	accurately	ADV
ijtc-1014	28	23	.	.	PUNCT
ijtc-1014	29	1	by	by	ADP
ijtc-1014	29	2	doing	do	VERB
ijtc-1014	29	3	so	so	ADV
ijtc-1014	29	4	,	,	PUNCT
ijtc-1014	29	5	it	it	PRON
ijtc-1014	29	6	can	can	AUX
ijtc-1014	29	7	illuminate	illuminate	VERB
ijtc-1014	29	8	the	the	DET
ijtc-1014	29	9	underlying	underlie	VERB
ijtc-1014	29	10	causes	cause	NOUN
ijtc-1014	29	11	of	of	ADP
ijtc-1014	29	12	reluctance	reluctance	NOUN
ijtc-1014	29	13	or	or	CCONJ
ijtc-1014	29	14	eagerness	eagerness	NOUN
ijtc-1014	29	15	to	to	PART
ijtc-1014	29	16	invest	invest	VERB
ijtc-1014	29	17	,	,	PUNCT
ijtc-1014	29	18	providing	provide	VERB
ijtc-1014	29	19	a	a	DET
ijtc-1014	29	20	roadmap	roadmap	NOUN
ijtc-1014	29	21	for	for	ADP
ijtc-1014	29	22	more	more	ADV
ijtc-1014	29	23	effective	effective	ADJ
ijtc-1014	29	24	financial	financial	ADJ
ijtc-1014	29	25	education	education	NOUN
ijtc-1014	29	26	and	and	CCONJ
ijtc-1014	29	27	digital	digital	ADJ
ijtc-1014	29	28	tool	tool	NOUN
ijtc-1014	29	29	development	development	NOUN
ijtc-1014	29	30	.	.	PUNCT
ijtc-1014	30	1	the	the	DET
ijtc-1014	30	2	current	current	ADJ
ijtc-1014	30	3	research	research	NOUN
ijtc-1014	30	4	seeks	seek	VERB
ijtc-1014	30	5	to	to	PART
ijtc-1014	30	6	bridge	bridge	VERB
ijtc-1014	30	7	this	this	DET
ijtc-1014	30	8	gap	gap	NOUN
ijtc-1014	30	9	,	,	PUNCT
ijtc-1014	30	10	aiming	aim	VERB
ijtc-1014	30	11	to	to	PART
ijtc-1014	30	12	provide	provide	VERB
ijtc-1014	30	13	a	a	DET
ijtc-1014	30	14	comprehensive	comprehensive	ADJ
ijtc-1014	30	15	analysis	analysis	NOUN
ijtc-1014	30	16	of	of	ADP
ijtc-1014	30	17	investment	investment	NOUN
ijtc-1014	30	18	intentions	intention	NOUN
ijtc-1014	30	19	and	and	CCONJ
ijtc-1014	30	20	the	the	DET
ijtc-1014	30	21	factors	factor	NOUN
ijtc-1014	30	22	influencing	influence	VERB
ijtc-1014	30	23	them	they	PRON
ijtc-1014	30	24	.	.	PUNCT
ijtc-1014	31	1	by	by	ADP
ijtc-1014	31	2	integrating	integrate	VERB
ijtc-1014	31	3	real	real	ADJ
ijtc-1014	31	4	-	-	PUNCT
ijtc-1014	31	5	world	world	NOUN
ijtc-1014	31	6	evidence	evidence	NOUN
ijtc-1014	31	7	with	with	ADP
ijtc-1014	31	8	the	the	DET
ijtc-1014	31	9	theoretical	theoretical	ADJ
ijtc-1014	31	10	underpinnings	underpinning	NOUN
ijtc-1014	31	11	of	of	ADP
ijtc-1014	31	12	consumer	consumer	NOUN
ijtc-1014	31	13	behavior	behavior	NOUN
ijtc-1014	31	14	,	,	PUNCT
ijtc-1014	31	15	financial	financial	ADJ
ijtc-1014	31	16	literacy	literacy	NOUN
ijtc-1014	31	17	,	,	PUNCT
ijtc-1014	31	18	and	and	CCONJ
ijtc-1014	31	19	digital	digital	ADJ
ijtc-1014	31	20	awareness	awareness	NOUN
ijtc-1014	31	21	,	,	PUNCT
ijtc-1014	31	22	this	this	DET
ijtc-1014	31	23	study	study	NOUN
ijtc-1014	31	24	will	will	AUX
ijtc-1014	31	25	contribute	contribute	VERB
ijtc-1014	31	26	valuable	valuable	ADJ
ijtc-1014	31	27	insights	insight	NOUN
ijtc-1014	31	28	into	into	ADP
ijtc-1014	31	29	how	how	SCONJ
ijtc-1014	31	30	individuals	individual	NOUN
ijtc-1014	31	31	can	can	AUX
ijtc-1014	31	32	be	be	AUX
ijtc-1014	31	33	better	well	ADV
ijtc-1014	31	34	supported	support	VERB
ijtc-1014	31	35	in	in	ADP
ijtc-1014	31	36	making	make	VERB
ijtc-1014	31	37	informed	informed	ADJ
ijtc-1014	31	38	investment	investment	NOUN
ijtc-1014	31	39	decisions	decision	NOUN
ijtc-1014	31	40	.	.	PUNCT
ijtc-1014	32	1	it	it	PRON
ijtc-1014	32	2	will	will	AUX
ijtc-1014	32	3	also	also	ADV
ijtc-1014	32	4	offer	offer	VERB
ijtc-1014	32	5	guidance	guidance	NOUN
ijtc-1014	32	6	to	to	ADP
ijtc-1014	32	7	policymakers	policymaker	NOUN
ijtc-1014	32	8	and	and	CCONJ
ijtc-1014	32	9	financial	financial	ADJ
ijtc-1014	32	10	educators	educator	NOUN
ijtc-1014	32	11	on	on	ADP
ijtc-1014	32	12	developing	develop	VERB
ijtc-1014	32	13	strategies	strategy	NOUN
ijtc-1014	32	14	to	to	PART
ijtc-1014	32	15	enhance	enhance	VERB
ijtc-1014	32	16	the	the	DET
ijtc-1014	32	17	financial	financial	ADJ
ijtc-1014	32	18	well	well	NOUN
ijtc-1014	32	19	-	-	PUNCT
ijtc-1014	32	20	being	being	NOUN
ijtc-1014	32	21	of	of	ADP
ijtc-1014	32	22	individuals	individual	NOUN
ijtc-1014	32	23	in	in	ADP
ijtc-1014	32	24	the	the	DET
ijtc-1014	32	25	digital	digital	ADJ
ijtc-1014	32	26	era	era	NOUN
ijtc-1014	32	27	,	,	PUNCT
ijtc-1014	32	28	where	where	SCONJ
ijtc-1014	32	29	technology	technology	NOUN
ijtc-1014	32	30	and	and	CCONJ
ijtc-1014	32	31	finance	finance	NOUN
ijtc-1014	32	32	are	be	AUX
ijtc-1014	32	33	increasingly	increasingly	ADV
ijtc-1014	32	34	intertwined	intertwine	VERB
ijtc-1014	32	35	.	.	PUNCT
ijtc-1014	33	1	additionally	additionally	ADV
ijtc-1014	33	2	,	,	PUNCT
ijtc-1014	33	3	as	as	SCONJ
ijtc-1014	33	4	the	the	DET
ijtc-1014	33	5	economy	economy	NOUN
ijtc-1014	33	6	grows	grow	VERB
ijtc-1014	33	7	,	,	PUNCT
ijtc-1014	33	8	more	more	ADJ
ijtc-1014	33	9	and	and	CCONJ
ijtc-1014	33	10	more	more	ADJ
ijtc-1014	33	11	people	people	NOUN
ijtc-1014	33	12	are	be	AUX
ijtc-1014	33	13	seeing	see	VERB
ijtc-1014	33	14	opportunities	opportunity	NOUN
ijtc-1014	33	15	to	to	PART
ijtc-1014	33	16	invest	invest	VERB
ijtc-1014	33	17	their	their	PRON
ijtc-1014	33	18	money	money	NOUN
ijtc-1014	33	19	.	.	PUNCT
ijtc-1014	34	1	however	however	ADV
ijtc-1014	34	2	,	,	PUNCT
ijtc-1014	34	3	how	how	SCONJ
ijtc-1014	34	4	much	much	ADJ
ijtc-1014	34	5	influence	influence	NOUN
ijtc-1014	34	6	does	do	VERB
ijtc-1014	34	7	financial	financial	ADJ
ijtc-1014	34	8	literacy	literacy	NOUN
ijtc-1014	34	9	and	and	CCONJ
ijtc-1014	34	10	digital	digital	ADJ
ijtc-1014	34	11	awareness	awareness	NOUN
ijtc-1014	34	12	have	have	VERB
ijtc-1014	34	13	on	on	ADP
ijtc-1014	34	14	investment	investment	NOUN
ijtc-1014	34	15	intentions	intention	NOUN
ijtc-1014	34	16	?	?	PUNCT
ijtc-1014	35	1	this	this	DET
ijtc-1014	35	2	research	research	NOUN
ijtc-1014	35	3	will	will	AUX
ijtc-1014	35	4	further	far	ADV
ijtc-1014	35	5	investigate	investigate	VERB
ijtc-1014	35	6	how	how	SCONJ
ijtc-1014	35	7	financial	financial	ADJ
ijtc-1014	35	8	literacy	literacy	NOUN
ijtc-1014	35	9	and	and	CCONJ
ijtc-1014	35	10	digital	digital	ADJ
ijtc-1014	35	11	awareness	awareness	NOUN
ijtc-1014	35	12	influence	influence	VERB
ijtc-1014	35	13	a	a	DET
ijtc-1014	35	14	person	person	NOUN
ijtc-1014	35	15	's	's	PART
ijtc-1014	35	16	intention	intention	NOUN
ijtc-1014	35	17	to	to	PART
ijtc-1014	35	18	invest	invest	VERB
ijtc-1014	35	19	,	,	PUNCT
ijtc-1014	35	20	based	base	VERB
ijtc-1014	35	21	on	on	ADP
ijtc-1014	35	22	findings	finding	NOUN
ijtc-1014	35	23	from	from	ADP
ijtc-1014	35	24	research	research	NOUN
ijtc-1014	35	25	by	by	ADP
ijtc-1014	35	26	(	(	PUNCT
ijtc-1014	35	27	onasie	onasie	PROPN
ijtc-1014	35	28	&	&	CCONJ
ijtc-1014	35	29	widoatmodjo	widoatmodjo	PROPN
ijtc-1014	35	30	,	,	PUNCT
ijtc-1014	35	31	2020	2020	NUM
ijtc-1014	35	32	)	)	PUNCT
ijtc-1014	35	33	.	.	PUNCT
ijtc-1014	36	1	behavioral	behavioral	ADJ
ijtc-1014	36	2	finance	finance	NOUN
ijtc-1014	36	3	behavioral	behavioral	ADJ
ijtc-1014	36	4	finance	finance	NOUN
ijtc-1014	36	5	is	be	AUX
ijtc-1014	36	6	an	an	DET
ijtc-1014	36	7	intriguing	intriguing	ADJ
ijtc-1014	36	8	subfield	subfield	NOUN
ijtc-1014	36	9	of	of	ADP
ijtc-1014	36	10	economics	economic	NOUN
ijtc-1014	36	11	that	that	PRON
ijtc-1014	36	12	scrutinizes	scrutinize	VERB
ijtc-1014	36	13	the	the	DET
ijtc-1014	36	14	junction	junction	NOUN
ijtc-1014	36	15	where	where	SCONJ
ijtc-1014	36	16	human	human	ADJ
ijtc-1014	36	17	psychology	psychology	NOUN
ijtc-1014	36	18	meets	meet	VERB
ijtc-1014	36	19	financial	financial	ADJ
ijtc-1014	36	20	decision	decision	NOUN
ijtc-1014	36	21	-	-	PUNCT
ijtc-1014	36	22	making	making	NOUN
ijtc-1014	36	23	.	.	PUNCT
ijtc-1014	37	1	the	the	DET
ijtc-1014	37	2	seminal	seminal	ADJ
ijtc-1014	37	3	work	work	NOUN
ijtc-1014	37	4	by	by	ADP
ijtc-1014	37	5	(	(	PUNCT
ijtc-1014	37	6	ross	ross	PROPN
ijtc-1014	37	7	et	et	PROPN
ijtc-1014	37	8	al	al	PROPN
ijtc-1014	37	9	.	.	PROPN
ijtc-1014	37	10	,	,	PUNCT
ijtc-1014	37	11	2022	2022	NUM
ijtc-1014	37	12	)	)	PUNCT
ijtc-1014	37	13	in	in	ADP
ijtc-1014	37	14	"	"	PUNCT
ijtc-1014	37	15	fundamentals	fundamental	NOUN
ijtc-1014	37	16	of	of	ADP
ijtc-1014	37	17	corporate	corporate	ADJ
ijtc-1014	37	18	finance	finance	NOUN
ijtc-1014	37	19	"	"	PUNCT
ijtc-1014	37	20	provides	provide	VERB
ijtc-1014	37	21	a	a	DET
ijtc-1014	37	22	foundational	foundational	ADJ
ijtc-1014	37	23	understanding	understanding	NOUN
ijtc-1014	37	24	of	of	ADP
ijtc-1014	37	25	how	how	SCONJ
ijtc-1014	37	26	traditional	traditional	ADJ
ijtc-1014	37	27	finance	finance	NOUN
ijtc-1014	37	28	principles	principle	NOUN
ijtc-1014	37	29	can	can	AUX
ijtc-1014	37	30	be	be	AUX
ijtc-1014	37	31	reframed	reframe	VERB
ijtc-1014	37	32	within	within	ADP
ijtc-1014	37	33	the	the	DET
ijtc-1014	37	34	behavioral	behavioral	ADJ
ijtc-1014	37	35	finance	finance	NOUN
ijtc-1014	37	36	paradigm	paradigm	NOUN
ijtc-1014	37	37	.	.	PUNCT
ijtc-1014	38	1	the	the	DET
ijtc-1014	38	2	authors	author	NOUN
ijtc-1014	38	3	elucidate	elucidate	VERB
ijtc-1014	38	4	the	the	DET
ijtc-1014	38	5	cognitive	cognitive	ADJ
ijtc-1014	38	6	and	and	CCONJ
ijtc-1014	38	7	emotional	emotional	ADJ
ijtc-1014	38	8	factors	factor	NOUN
ijtc-1014	38	9	that	that	PRON
ijtc-1014	38	10	can	can	AUX
ijtc-1014	38	11	cause	cause	VERB
ijtc-1014	38	12	investors	investor	NOUN
ijtc-1014	38	13	to	to	PART
ijtc-1014	38	14	deviate	deviate	VERB
ijtc-1014	38	15	from	from	ADP
ijtc-1014	38	16	the	the	DET
ijtc-1014	38	17	rational	rational	ADJ
ijtc-1014	38	18	decisionmaking	decisionmaking	NOUN
ijtc-1014	38	19	process	process	NOUN
ijtc-1014	38	20	as	as	SCONJ
ijtc-1014	38	21	posited	posit	VERB
ijtc-1014	38	22	by	by	ADP
ijtc-1014	38	23	classical	classical	ADJ
ijtc-1014	38	24	financial	financial	ADJ
ijtc-1014	38	25	theories	theory	NOUN
ijtc-1014	38	26	.	.	PUNCT
ijtc-1014	39	1	they	they	PRON
ijtc-1014	39	2	illustrate	illustrate	VERB
ijtc-1014	39	3	with	with	ADP
ijtc-1014	39	4	practical	practical	ADJ
ijtc-1014	39	5	examples	example	NOUN
ijtc-1014	39	6	how	how	SCONJ
ijtc-1014	39	7	heuristics	heuristic	NOUN
ijtc-1014	39	8	and	and	CCONJ
ijtc-1014	39	9	biases	bias	NOUN
ijtc-1014	39	10	,	,	PUNCT
ijtc-1014	39	11	such	such	ADJ
ijtc-1014	39	12	as	as	ADP
ijtc-1014	39	13	overconfidence	overconfidence	NOUN
ijtc-1014	39	14	and	and	CCONJ
ijtc-1014	39	15	loss	loss	NOUN
ijtc-1014	39	16	aversion	aversion	NOUN
ijtc-1014	39	17	,	,	PUNCT
ijtc-1014	39	18	can	can	AUX
ijtc-1014	39	19	lead	lead	VERB
ijtc-1014	39	20	to	to	ADP
ijtc-1014	39	21	systematic	systematic	ADJ
ijtc-1014	39	22	errors	error	NOUN
ijtc-1014	39	23	in	in	ADP
ijtc-1014	39	24	judgment	judgment	NOUN
ijtc-1014	39	25	.	.	PUNCT
ijtc-1014	40	1	furthermore	furthermore	ADV
ijtc-1014	40	2	,	,	PUNCT
ijtc-1014	40	3	the	the	DET
ijtc-1014	40	4	text	text	NOUN
ijtc-1014	40	5	delves	delve	VERB
ijtc-1014	40	6	into	into	ADP
ijtc-1014	40	7	the	the	DET
ijtc-1014	40	8	effects	effect	NOUN
ijtc-1014	40	9	of	of	ADP
ijtc-1014	40	10	such	such	ADJ
ijtc-1014	40	11	psychological	psychological	ADJ
ijtc-1014	40	12	influences	influence	NOUN
ijtc-1014	40	13	on	on	ADP
ijtc-1014	40	14	market	market	NOUN
ijtc-1014	40	15	outcomes	outcome	NOUN
ijtc-1014	40	16	,	,	PUNCT
ijtc-1014	40	17	including	include	VERB
ijtc-1014	40	18	pricing	pricing	NOUN
ijtc-1014	40	19	anomalies	anomaly	NOUN
ijtc-1014	40	20	and	and	CCONJ
ijtc-1014	40	21	patterns	pattern	NOUN
ijtc-1014	40	22	of	of	ADP
ijtc-1014	40	23	investment	investment	NOUN
ijtc-1014	40	24	behavior	behavior	NOUN
ijtc-1014	40	25	.	.	PUNCT
ijtc-1014	41	1	this	this	DET
ijtc-1014	41	2	critical	critical	ADJ
ijtc-1014	41	3	perspective	perspective	NOUN
ijtc-1014	41	4	underscores	underscore	VERB
ijtc-1014	41	5	the	the	DET
ijtc-1014	41	6	importance	importance	NOUN
ijtc-1014	41	7	of	of	ADP
ijtc-1014	41	8	financial	financial	ADJ
ijtc-1014	41	9	literacy	literacy	NOUN
ijtc-1014	41	10	that	that	PRON
ijtc-1014	41	11	encompasses	encompass	VERB
ijtc-1014	41	12	not	not	PART
ijtc-1014	41	13	only	only	ADV
ijtc-1014	41	14	the	the	DET
ijtc-1014	41	15	mastery	mastery	NOUN
ijtc-1014	41	16	of	of	ADP
ijtc-1014	41	17	financial	financial	ADJ
ijtc-1014	41	18	tools	tool	NOUN
ijtc-1014	41	19	and	and	CCONJ
ijtc-1014	41	20	principles	principle	NOUN
ijtc-1014	41	21	but	but	CCONJ
ijtc-1014	41	22	also	also	ADV
ijtc-1014	41	23	an	an	DET
ijtc-1014	41	24	awareness	awareness	NOUN
ijtc-1014	41	25	of	of	ADP
ijtc-1014	41	26	the	the	DET
ijtc-1014	41	27	intrinsic	intrinsic	ADJ
ijtc-1014	41	28	human	human	ADJ
ijtc-1014	41	29	tendencies	tendency	NOUN
ijtc-1014	41	30	that	that	PRON
ijtc-1014	41	31	can	can	AUX
ijtc-1014	41	32	affect	affect	VERB
ijtc-1014	41	33	financial	financial	ADJ
ijtc-1014	41	34	decision	decision	NOUN
ijtc-1014	41	35	-	-	PUNCT
ijtc-1014	41	36	making	making	NOUN
ijtc-1014	41	37	.	.	PUNCT
ijtc-1014	42	1	the	the	DET
ijtc-1014	42	2	integration	integration	NOUN
ijtc-1014	42	3	of	of	ADP
ijtc-1014	42	4	these	these	DET
ijtc-1014	42	5	concepts	concept	NOUN
ijtc-1014	42	6	into	into	ADP
ijtc-1014	42	7	the	the	DET
ijtc-1014	42	8	broader	broad	ADJ
ijtc-1014	42	9	investment	investment	NOUN
ijtc-1014	42	10	framework	framework	NOUN
ijtc-1014	42	11	suggests	suggest	VERB
ijtc-1014	42	12	that	that	SCONJ
ijtc-1014	42	13	a	a	DET
ijtc-1014	42	14	more	more	ADV
ijtc-1014	42	15	nuanced	nuanced	ADJ
ijtc-1014	42	16	approach	approach	NOUN
ijtc-1014	42	17	to	to	ADP
ijtc-1014	42	18	understanding	understand	VERB
ijtc-1014	42	19	market	market	NOUN
ijtc-1014	42	20	dynamics	dynamic	NOUN
ijtc-1014	42	21	and	and	CCONJ
ijtc-1014	42	22	investor	investor	NOUN
ijtc-1014	42	23	behavior	behavior	NOUN
ijtc-1014	42	24	is	be	AUX
ijtc-1014	42	25	necessary	necessary	ADJ
ijtc-1014	42	26	,	,	PUNCT
ijtc-1014	42	27	one	one	NUM
ijtc-1014	42	28	that	that	PRON
ijtc-1014	42	29	accounts	account	VERB
ijtc-1014	42	30	for	for	ADP
ijtc-1014	42	31	the	the	DET
ijtc-1014	42	32	complex	complex	ADJ
ijtc-1014	42	33	interplay	interplay	NOUN
ijtc-1014	42	34	between	between	ADP
ijtc-1014	42	35	rational	rational	ADJ
ijtc-1014	42	36	analysis	analysis	NOUN
ijtc-1014	42	37	and	and	CCONJ
ijtc-1014	42	38	psychological	psychological	ADJ
ijtc-1014	42	39	predisposition	predisposition	NOUN
ijtc-1014	42	40	.	.	PUNCT
ijtc-1014	43	1	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	ADV
ijtc-1014	43	2	the	the	DET
ijtc-1014	43	3	impact	impact	NOUN
ijtc-1014	43	4	of	of	ADP
ijtc-1014	43	5	financial	financial	ADJ
ijtc-1014	43	6	literacy	literacy	NOUN
ijtc-1014	43	7	and	and	CCONJ
ijtc-1014	43	8	digital	digital	ADJ
ijtc-1014	43	9	awareness	awareness	NOUN
ijtc-1014	43	10	on	on	ADP
ijtc-1014	43	11	investment	investment	NOUN
ijtc-1014	43	12	intentions	intention	NOUN
ijtc-1014	43	13	karundeng	karundeng	PROPN
ijtc-1014	43	14	,	,	PUNCT
ijtc-1014	43	15	siagian	siagian	PROPN
ijtc-1014	43	16	,	,	PUNCT
ijtc-1014	43	17	hutabarat	hutabarat	PROPN
ijtc-1014	43	18	,	,	PUNCT
ijtc-1014	43	19	and	and	CCONJ
ijtc-1014	43	20	pangaribuan	pangaribuan	VERB
ijtc-1014	43	21	283	283	NUM
ijtc-1014	43	22	|	|	ADV
ijtc-1014	43	23	ilomata	ilomata	PROPN
ijtc-1014	43	24	international	international	ADJ
ijtc-1014	43	25	journal	journal	NOUN
ijtc-1014	43	26	of	of	ADP
ijtc-1014	43	27	tax	tax	PROPN
ijtc-1014	43	28	&	&	CCONJ
ijtc-1014	43	29	accounting	account	VERB
ijtc-1014	43	30	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	PROPN
ijtc-1014	43	31	financial	financial	ADJ
ijtc-1014	43	32	literacy	literacy	NOUN
ijtc-1014	43	33	financial	financial	ADJ
ijtc-1014	43	34	literacy	literacy	NOUN
ijtc-1014	43	35	is	be	AUX
ijtc-1014	43	36	a	a	DET
ijtc-1014	43	37	person	person	NOUN
ijtc-1014	43	38	's	's	PART
ijtc-1014	43	39	ability	ability	NOUN
ijtc-1014	43	40	to	to	PART
ijtc-1014	43	41	understand	understand	VERB
ijtc-1014	43	42	,	,	PUNCT
ijtc-1014	43	43	manage	manage	VERB
ijtc-1014	43	44	and	and	CCONJ
ijtc-1014	43	45	make	make	VERB
ijtc-1014	43	46	wise	wise	ADJ
ijtc-1014	43	47	decisions	decision	NOUN
ijtc-1014	43	48	in	in	ADP
ijtc-1014	43	49	managing	manage	VERB
ijtc-1014	43	50	personal	personal	ADJ
ijtc-1014	43	51	or	or	CCONJ
ijtc-1014	43	52	business	business	NOUN
ijtc-1014	43	53	finances	finance	NOUN
ijtc-1014	43	54	.	.	PUNCT
ijtc-1014	44	1	this	this	DET
ijtc-1014	44	2	ability	ability	NOUN
ijtc-1014	44	3	is	be	AUX
ijtc-1014	44	4	very	very	ADV
ijtc-1014	44	5	important	important	ADJ
ijtc-1014	44	6	because	because	SCONJ
ijtc-1014	44	7	it	it	PRON
ijtc-1014	44	8	can	can	AUX
ijtc-1014	44	9	influence	influence	VERB
ijtc-1014	44	10	a	a	DET
ijtc-1014	44	11	person	person	NOUN
ijtc-1014	44	12	's	's	PART
ijtc-1014	44	13	financial	financial	ADJ
ijtc-1014	44	14	life	life	NOUN
ijtc-1014	44	15	,	,	PUNCT
ijtc-1014	44	16	from	from	ADP
ijtc-1014	44	17	income	income	NOUN
ijtc-1014	44	18	management	management	NOUN
ijtc-1014	44	19	,	,	PUNCT
ijtc-1014	44	20	debt	debt	NOUN
ijtc-1014	44	21	management	management	NOUN
ijtc-1014	44	22	,	,	PUNCT
ijtc-1014	44	23	to	to	ADP
ijtc-1014	44	24	retirement	retirement	NOUN
ijtc-1014	44	25	preparation	preparation	NOUN
ijtc-1014	44	26	.	.	PUNCT
ijtc-1014	45	1	lack	lack	NOUN
ijtc-1014	45	2	of	of	ADP
ijtc-1014	45	3	financial	financial	ADJ
ijtc-1014	45	4	literacy	literacy	NOUN
ijtc-1014	45	5	can	can	AUX
ijtc-1014	45	6	result	result	VERB
ijtc-1014	45	7	in	in	ADP
ijtc-1014	45	8	individuals	individual	NOUN
ijtc-1014	45	9	making	make	VERB
ijtc-1014	45	10	less	less	ADV
ijtc-1014	45	11	wise	wise	ADJ
ijtc-1014	45	12	financial	financial	ADJ
ijtc-1014	45	13	decisions	decision	NOUN
ijtc-1014	45	14	(	(	PUNCT
ijtc-1014	45	15	nirmala	nirmala	PROPN
ijtc-1014	45	16	et	et	PROPN
ijtc-1014	45	17	al	al	PROPN
ijtc-1014	45	18	.	.	PROPN
ijtc-1014	45	19	,	,	PUNCT
ijtc-1014	45	20	2022	2022	NUM
ijtc-1014	45	21	)	)	PUNCT
ijtc-1014	45	22	.	.	PUNCT
ijtc-1014	46	1	(	(	PUNCT
ijtc-1014	46	2	khoirunnisa	khoirunnisa	PROPN
ijtc-1014	46	3	&	&	CCONJ
ijtc-1014	46	4	rochmawati	rochmawati	PROPN
ijtc-1014	46	5	,	,	PUNCT
ijtc-1014	46	6	2021	2021	NUM
ijtc-1014	46	7	)	)	PUNCT
ijtc-1014	46	8	lack	lack	NOUN
ijtc-1014	46	9	of	of	ADP
ijtc-1014	46	10	knowledge	knowledge	NOUN
ijtc-1014	46	11	about	about	ADP
ijtc-1014	46	12	financial	financial	ADJ
ijtc-1014	46	13	concepts	concept	NOUN
ijtc-1014	46	14	,	,	PUNCT
ijtc-1014	46	15	such	such	ADJ
ijtc-1014	46	16	as	as	ADP
ijtc-1014	46	17	interest	interest	NOUN
ijtc-1014	46	18	,	,	PUNCT
ijtc-1014	46	19	inflation	inflation	NOUN
ijtc-1014	46	20	and	and	CCONJ
ijtc-1014	46	21	investment	investment	NOUN
ijtc-1014	46	22	risk	risk	NOUN
ijtc-1014	46	23	,	,	PUNCT
ijtc-1014	46	24	can	can	AUX
ijtc-1014	46	25	hinder	hinder	VERB
ijtc-1014	46	26	a	a	DET
ijtc-1014	46	27	person	person	NOUN
ijtc-1014	46	28	's	's	PART
ijtc-1014	46	29	ability	ability	NOUN
ijtc-1014	46	30	to	to	PART
ijtc-1014	46	31	make	make	VERB
ijtc-1014	46	32	the	the	DET
ijtc-1014	46	33	right	right	ADJ
ijtc-1014	46	34	decisions	decision	NOUN
ijtc-1014	46	35	and	and	CCONJ
ijtc-1014	46	36	have	have	VERB
ijtc-1014	46	37	an	an	DET
ijtc-1014	46	38	impact	impact	NOUN
ijtc-1014	46	39	on	on	ADP
ijtc-1014	46	40	long	long	ADJ
ijtc-1014	46	41	-	-	PUNCT
ijtc-1014	46	42	term	term	NOUN
ijtc-1014	46	43	financial	financial	ADJ
ijtc-1014	46	44	life(compen	life(compen	NOUN
ijtc-1014	46	45	et	et	PROPN
ijtc-1014	46	46	al	al	PROPN
ijtc-1014	46	47	.	.	PROPN
ijtc-1014	46	48	,	,	PUNCT
ijtc-1014	46	49	2019	2019	NUM
ijtc-1014	46	50	)	)	PUNCT
ijtc-1014	46	51	digital	digital	ADJ
ijtc-1014	46	52	awareness	awareness	NOUN
ijtc-1014	46	53	digital	digital	ADJ
ijtc-1014	46	54	awareness	awareness	NOUN
ijtc-1014	46	55	refers	refer	VERB
ijtc-1014	46	56	to	to	ADP
ijtc-1014	46	57	a	a	DET
ijtc-1014	46	58	person	person	NOUN
ijtc-1014	46	59	's	's	PART
ijtc-1014	46	60	ability	ability	NOUN
ijtc-1014	46	61	to	to	PART
ijtc-1014	46	62	understand	understand	VERB
ijtc-1014	46	63	and	and	CCONJ
ijtc-1014	46	64	use	use	VERB
ijtc-1014	46	65	digital	digital	ADJ
ijtc-1014	46	66	technology	technology	NOUN
ijtc-1014	46	67	wisely	wisely	ADV
ijtc-1014	46	68	and	and	CCONJ
ijtc-1014	46	69	safely	safely	ADV
ijtc-1014	46	70	.	.	PUNCT
ijtc-1014	47	1	this	this	DET
ijtc-1014	47	2	ability	ability	NOUN
ijtc-1014	47	3	is	be	AUX
ijtc-1014	47	4	very	very	ADV
ijtc-1014	47	5	important	important	ADJ
ijtc-1014	47	6	in	in	ADP
ijtc-1014	47	7	the	the	DET
ijtc-1014	47	8	current	current	ADJ
ijtc-1014	47	9	digital	digital	ADJ
ijtc-1014	47	10	era	era	NOUN
ijtc-1014	47	11	,	,	PUNCT
ijtc-1014	47	12	where	where	SCONJ
ijtc-1014	47	13	digital	digital	ADJ
ijtc-1014	47	14	technology	technology	NOUN
ijtc-1014	47	15	increasingly	increasingly	ADV
ijtc-1014	47	16	dominates	dominate	VERB
ijtc-1014	47	17	almost	almost	ADV
ijtc-1014	47	18	all	all	DET
ijtc-1014	47	19	aspects	aspect	NOUN
ijtc-1014	47	20	of	of	ADP
ijtc-1014	47	21	human	human	ADJ
ijtc-1014	47	22	life	life	NOUN
ijtc-1014	47	23	.	.	PUNCT
ijtc-1014	48	1	digital	digital	ADJ
ijtc-1014	48	2	awareness	awareness	NOUN
ijtc-1014	48	3	relates	relate	VERB
ijtc-1014	48	4	to	to	ADP
ijtc-1014	48	5	a	a	DET
ijtc-1014	48	6	person	person	NOUN
ijtc-1014	48	7	's	's	PART
ijtc-1014	48	8	ability	ability	NOUN
ijtc-1014	48	9	to	to	PART
ijtc-1014	48	10	manage	manage	VERB
ijtc-1014	48	11	privacy	privacy	NOUN
ijtc-1014	48	12	and	and	CCONJ
ijtc-1014	48	13	personal	personal	ADJ
ijtc-1014	48	14	information	information	NOUN
ijtc-1014	48	15	in	in	ADP
ijtc-1014	48	16	a	a	DET
ijtc-1014	48	17	digital	digital	ADJ
ijtc-1014	48	18	environment	environment	NOUN
ijtc-1014	48	19	.	.	PUNCT
ijtc-1014	49	1	a	a	DET
ijtc-1014	49	2	person	person	NOUN
ijtc-1014	49	3	's	's	PART
ijtc-1014	49	4	ability	ability	NOUN
ijtc-1014	49	5	to	to	PART
ijtc-1014	49	6	understand	understand	VERB
ijtc-1014	49	7	the	the	DET
ijtc-1014	49	8	privacy	privacy	NOUN
ijtc-1014	49	9	policies	policy	NOUN
ijtc-1014	49	10	and	and	CCONJ
ijtc-1014	49	11	privacy	privacy	NOUN
ijtc-1014	49	12	controls	control	NOUN
ijtc-1014	49	13	available	available	ADJ
ijtc-1014	49	14	on	on	ADP
ijtc-1014	49	15	various	various	ADJ
ijtc-1014	49	16	digital	digital	ADJ
ijtc-1014	49	17	platforms	platform	NOUN
ijtc-1014	49	18	will	will	AUX
ijtc-1014	49	19	help	help	VERB
ijtc-1014	49	20	them	they	PRON
ijtc-1014	49	21	to	to	PART
ijtc-1014	49	22	protect	protect	VERB
ijtc-1014	49	23	their	their	PRON
ijtc-1014	49	24	personal	personal	ADJ
ijtc-1014	49	25	information	information	NOUN
ijtc-1014	49	26	from	from	ADP
ijtc-1014	49	27	unauthorized	unauthorized	ADJ
ijtc-1014	49	28	access(chen	access(chen	SCONJ
ijtc-1014	49	29	et	et	PROPN
ijtc-1014	49	30	al	al	PROPN
ijtc-1014	49	31	.	.	PROPN
ijtc-1014	49	32	,	,	PUNCT
ijtc-1014	49	33	2021	2021	NUM
ijtc-1014	49	34	)	)	PUNCT
ijtc-1014	49	35	.	.	PUNCT
ijtc-1014	50	1	furthermore	furthermore	ADV
ijtc-1014	50	2	,	,	PUNCT
ijtc-1014	50	3	digital	digital	ADJ
ijtc-1014	50	4	awareness	awareness	NOUN
ijtc-1014	50	5	is	be	AUX
ijtc-1014	50	6	related	relate	VERB
ijtc-1014	50	7	to	to	ADP
ijtc-1014	50	8	a	a	DET
ijtc-1014	50	9	person	person	NOUN
ijtc-1014	50	10	's	's	PART
ijtc-1014	50	11	ability	ability	NOUN
ijtc-1014	50	12	to	to	PART
ijtc-1014	50	13	use	use	VERB
ijtc-1014	50	14	digital	digital	ADJ
ijtc-1014	50	15	technology	technology	NOUN
ijtc-1014	50	16	to	to	PART
ijtc-1014	50	17	increase	increase	VERB
ijtc-1014	50	18	creativity	creativity	NOUN
ijtc-1014	50	19	and	and	CCONJ
ijtc-1014	50	20	innovation(lee	innovation(lee	PROPN
ijtc-1014	50	21	et	et	PROPN
ijtc-1014	50	22	al	al	PROPN
ijtc-1014	50	23	.	.	PROPN
ijtc-1014	50	24	,	,	PUNCT
ijtc-1014	50	25	2021	2021	NUM
ijtc-1014	50	26	)	)	PUNCT
ijtc-1014	50	27	.	.	PUNCT
ijtc-1014	51	1	a	a	DET
ijtc-1014	51	2	person	person	NOUN
ijtc-1014	51	3	's	's	PART
ijtc-1014	51	4	ability	ability	NOUN
ijtc-1014	51	5	to	to	PART
ijtc-1014	51	6	understand	understand	VERB
ijtc-1014	51	7	new	new	ADJ
ijtc-1014	51	8	features	feature	NOUN
ijtc-1014	51	9	and	and	CCONJ
ijtc-1014	51	10	applications	application	NOUN
ijtc-1014	51	11	of	of	ADP
ijtc-1014	51	12	digital	digital	ADJ
ijtc-1014	51	13	technology	technology	NOUN
ijtc-1014	51	14	will	will	AUX
ijtc-1014	51	15	help	help	VERB
ijtc-1014	51	16	them	they	PRON
ijtc-1014	51	17	to	to	PART
ijtc-1014	51	18	develop	develop	VERB
ijtc-1014	51	19	new	new	ADJ
ijtc-1014	51	20	ideas	idea	NOUN
ijtc-1014	51	21	and	and	CCONJ
ijtc-1014	51	22	expand	expand	VERB
ijtc-1014	51	23	each	each	DET
ijtc-1014	51	24	individual	individual	NOUN
ijtc-1014	51	25	's	's	PART
ijtc-1014	51	26	creative	creative	ADJ
ijtc-1014	51	27	skills	skill	NOUN
ijtc-1014	51	28	(	(	PUNCT
ijtc-1014	51	29	mutohhari	mutohhari	ADV
ijtc-1014	51	30	et	et	PROPN
ijtc-1014	51	31	al	al	PROPN
ijtc-1014	51	32	.	.	PROPN
ijtc-1014	51	33	,	,	PUNCT
ijtc-1014	51	34	2021	2021	NUM
ijtc-1014	51	35	)	)	PUNCT
ijtc-1014	51	36	investment	investment	NOUN
ijtc-1014	51	37	intention	intention	NOUN
ijtc-1014	51	38	investment	investment	NOUN
ijtc-1014	51	39	intention	intention	NOUN
ijtc-1014	51	40	is	be	AUX
ijtc-1014	51	41	a	a	DET
ijtc-1014	51	42	person	person	NOUN
ijtc-1014	51	43	's	's	PART
ijtc-1014	51	44	tendency	tendency	NOUN
ijtc-1014	51	45	to	to	PART
ijtc-1014	51	46	invest	invest	VERB
ijtc-1014	51	47	in	in	ADP
ijtc-1014	51	48	a	a	DET
ijtc-1014	51	49	product	product	NOUN
ijtc-1014	51	50	or	or	CCONJ
ijtc-1014	51	51	financial	financial	ADJ
ijtc-1014	51	52	instrument	instrument	NOUN
ijtc-1014	51	53	.	.	PUNCT
ijtc-1014	52	1	several	several	ADJ
ijtc-1014	52	2	previous	previous	ADJ
ijtc-1014	52	3	studies	study	NOUN
ijtc-1014	52	4	stated	state	VERB
ijtc-1014	52	5	that	that	SCONJ
ijtc-1014	52	6	factors	factor	NOUN
ijtc-1014	52	7	such	such	ADJ
ijtc-1014	52	8	as	as	ADP
ijtc-1014	52	9	knowledge	knowledge	NOUN
ijtc-1014	52	10	about	about	ADP
ijtc-1014	52	11	investment	investment	NOUN
ijtc-1014	52	12	,	,	PUNCT
ijtc-1014	52	13	self	self	NOUN
ijtc-1014	52	14	-	-	PUNCT
ijtc-1014	52	15	confidence	confidence	NOUN
ijtc-1014	52	16	in	in	ADP
ijtc-1014	52	17	making	make	VERB
ijtc-1014	52	18	investment	investment	NOUN
ijtc-1014	52	19	decisions	decision	NOUN
ijtc-1014	52	20	,	,	PUNCT
ijtc-1014	52	21	and	and	CCONJ
ijtc-1014	52	22	perceptions	perception	NOUN
ijtc-1014	52	23	about	about	ADP
ijtc-1014	52	24	investment	investment	NOUN
ijtc-1014	52	25	risks	risk	NOUN
ijtc-1014	52	26	and	and	CCONJ
ijtc-1014	52	27	returns	return	NOUN
ijtc-1014	52	28	have	have	VERB
ijtc-1014	52	29	a	a	DET
ijtc-1014	52	30	significant	significant	ADJ
ijtc-1014	52	31	influence	influence	NOUN
ijtc-1014	52	32	on	on	ADP
ijtc-1014	52	33	investment	investment	NOUN
ijtc-1014	52	34	intention	intention	NOUN
ijtc-1014	52	35	(	(	PUNCT
ijtc-1014	52	36	sadiq	sadiq	PROPN
ijtc-1014	52	37	&	&	CCONJ
ijtc-1014	52	38	khan	khan	PROPN
ijtc-1014	52	39	,	,	PUNCT
ijtc-1014	52	40	2019	2019	NUM
ijtc-1014	52	41	)	)	PUNCT
ijtc-1014	52	42	(	(	PUNCT
ijtc-1014	52	43	akhtar	akhtar	PROPN
ijtc-1014	52	44	&	&	CCONJ
ijtc-1014	52	45	das	das	PROPN
ijtc-1014	52	46	,	,	PUNCT
ijtc-1014	52	47	2019	2019	NUM
ijtc-1014	52	48	)	)	PUNCT
ijtc-1014	52	49	.	.	PUNCT
ijtc-1014	53	1	apart	apart	ADV
ijtc-1014	53	2	from	from	ADP
ijtc-1014	53	3	that	that	PRON
ijtc-1014	53	4	,	,	PUNCT
ijtc-1014	53	5	social	social	ADJ
ijtc-1014	53	6	factors	factor	NOUN
ijtc-1014	53	7	such	such	ADJ
ijtc-1014	53	8	as	as	ADP
ijtc-1014	53	9	the	the	DET
ijtc-1014	53	10	influence	influence	NOUN
ijtc-1014	53	11	of	of	ADP
ijtc-1014	53	12	friends	friend	NOUN
ijtc-1014	53	13	and	and	CCONJ
ijtc-1014	53	14	family	family	NOUN
ijtc-1014	53	15	can	can	AUX
ijtc-1014	53	16	also	also	ADV
ijtc-1014	53	17	influence	influence	VERB
ijtc-1014	53	18	a	a	DET
ijtc-1014	53	19	person	person	NOUN
ijtc-1014	53	20	's	's	PART
ijtc-1014	53	21	investment	investment	NOUN
ijtc-1014	53	22	intentions	intention	NOUN
ijtc-1014	53	23	(	(	PUNCT
ijtc-1014	53	24	lai	lai	PROPN
ijtc-1014	53	25	,	,	PUNCT
ijtc-1014	53	26	2019	2019	NUM
ijtc-1014	53	27	)	)	PUNCT
ijtc-1014	53	28	aren	aren	NOUN
ijtc-1014	53	29	)	)	PUNCT
ijtc-1014	53	30	(	(	PUNCT
ijtc-1014	53	31	aren	aren	NOUN
ijtc-1014	53	32	&	&	CCONJ
ijtc-1014	53	33	hamamci	hamamci	NOUN
ijtc-1014	53	34	,	,	PUNCT
ijtc-1014	53	35	2020	2020	NUM
ijtc-1014	53	36	)	)	PUNCT
ijtc-1014	53	37	.	.	PUNCT
ijtc-1014	54	1	they	they	PRON
ijtc-1014	54	2	are	be	AUX
ijtc-1014	54	3	also	also	ADV
ijtc-1014	54	4	influenced	influence	VERB
ijtc-1014	54	5	by	by	ADP
ijtc-1014	54	6	adaptability	adaptability	NOUN
ijtc-1014	54	7	factors(jahanmir	factors(jahanmir	PROPN
ijtc-1014	54	8	et	et	NOUN
ijtc-1014	54	9	al	al	PROPN
ijtc-1014	54	10	.	.	PROPN
ijtc-1014	54	11	,	,	PUNCT
ijtc-1014	54	12	2020	2020	NUM
ijtc-1014	54	13	)	)	PUNCT
ijtc-1014	54	14	.	.	PUNCT
ijtc-1014	55	1	furthermore	furthermore	ADV
ijtc-1014	55	2	,	,	PUNCT
ijtc-1014	55	3	investment	investment	NOUN
ijtc-1014	55	4	intention	intention	NOUN
ijtc-1014	55	5	can	can	AUX
ijtc-1014	55	6	be	be	AUX
ijtc-1014	55	7	influenced	influence	VERB
ijtc-1014	55	8	by	by	ADP
ijtc-1014	55	9	psychological	psychological	ADJ
ijtc-1014	55	10	factors	factor	NOUN
ijtc-1014	55	11	such	such	ADJ
ijtc-1014	55	12	as	as	ADP
ijtc-1014	55	13	attitudes	attitude	NOUN
ijtc-1014	55	14	and	and	CCONJ
ijtc-1014	55	15	personal	personal	ADJ
ijtc-1014	55	16	values	value	NOUN
ijtc-1014	55	17	regarding	regard	VERB
ijtc-1014	55	18	money	money	NOUN
ijtc-1014	55	19	and	and	CCONJ
ijtc-1014	55	20	investment(yang	investment(yang	PROPN
ijtc-1014	55	21	et	et	PROPN
ijtc-1014	55	22	al	al	PROPN
ijtc-1014	55	23	.	.	PROPN
ijtc-1014	55	24	,	,	PUNCT
ijtc-1014	55	25	2019	2019	NUM
ijtc-1014	55	26	)	)	PUNCT
ijtc-1014	55	27	.	.	PUNCT
ijtc-1014	56	1	research	research	NOUN
ijtc-1014	56	2	by	by	ADP
ijtc-1014	56	3	(	(	PUNCT
ijtc-1014	56	4	osman	osman	PROPN
ijtc-1014	56	5	et	et	PROPN
ijtc-1014	56	6	al	al	PROPN
ijtc-1014	56	7	.	.	PROPN
ijtc-1014	56	8	,	,	PUNCT
ijtc-1014	56	9	2019	2019	NUM
ijtc-1014	56	10	)	)	PUNCT
ijtc-1014	56	11	shows	show	VERB
ijtc-1014	56	12	that	that	SCONJ
ijtc-1014	56	13	environmental	environmental	ADJ
ijtc-1014	56	14	factors	factor	NOUN
ijtc-1014	56	15	such	such	ADJ
ijtc-1014	56	16	as	as	ADP
ijtc-1014	56	17	economic	economic	ADJ
ijtc-1014	56	18	conditions	condition	NOUN
ijtc-1014	56	19	and	and	CCONJ
ijtc-1014	56	20	government	government	NOUN
ijtc-1014	56	21	policies	policy	NOUN
ijtc-1014	56	22	can	can	AUX
ijtc-1014	56	23	also	also	ADV
ijtc-1014	56	24	influence	influence	VERB
ijtc-1014	56	25	investment	investment	NOUN
ijtc-1014	56	26	intention	intention	NOUN
ijtc-1014	56	27	.	.	PUNCT
ijtc-1014	57	1	economic	economic	ADJ
ijtc-1014	57	2	uncertainty	uncertainty	NOUN
ijtc-1014	57	3	and	and	CCONJ
ijtc-1014	57	4	changes	change	NOUN
ijtc-1014	57	5	in	in	ADP
ijtc-1014	57	6	government	government	NOUN
ijtc-1014	57	7	investment	investment	NOUN
ijtc-1014	57	8	policies	policy	NOUN
ijtc-1014	57	9	can	can	AUX
ijtc-1014	57	10	reduce	reduce	VERB
ijtc-1014	57	11	a	a	DET
ijtc-1014	57	12	person	person	NOUN
ijtc-1014	57	13	's	's	PART
ijtc-1014	57	14	investment	investment	NOUN
ijtc-1014	57	15	intentions	intention	NOUN
ijtc-1014	57	16	.	.	PUNCT
ijtc-1014	58	1	hypothesis	hypothesis	NOUN
ijtc-1014	58	2	development	development	NOUN
ijtc-1014	58	3	financial	financial	ADJ
ijtc-1014	58	4	literacy	literacy	NOUN
ijtc-1014	58	5	and	and	CCONJ
ijtc-1014	58	6	investment	investment	NOUN
ijtc-1014	58	7	intention	intention	NOUN
ijtc-1014	58	8	low	low	ADJ
ijtc-1014	58	9	levels	level	NOUN
ijtc-1014	58	10	of	of	ADP
ijtc-1014	58	11	financial	financial	ADJ
ijtc-1014	58	12	literacy	literacy	NOUN
ijtc-1014	58	13	are	be	AUX
ijtc-1014	58	14	associated	associate	VERB
ijtc-1014	58	15	with	with	ADP
ijtc-1014	58	16	a	a	DET
ijtc-1014	58	17	tendency	tendency	NOUN
ijtc-1014	58	18	to	to	PART
ijtc-1014	58	19	use	use	VERB
ijtc-1014	58	20	expensive	expensive	ADJ
ijtc-1014	58	21	and	and	CCONJ
ijtc-1014	58	22	high	high	ADJ
ijtc-1014	58	23	-	-	PUNCT
ijtc-1014	58	24	risk	risk	NOUN
ijtc-1014	58	25	financial	financial	ADJ
ijtc-1014	58	26	options	option	NOUN
ijtc-1014	58	27	,	,	PUNCT
ijtc-1014	58	28	such	such	ADJ
ijtc-1014	58	29	as	as	ADP
ijtc-1014	58	30	using	use	VERB
ijtc-1014	58	31	high	high	ADJ
ijtc-1014	58	32	-	-	PUNCT
ijtc-1014	58	33	interest	interest	NOUN
ijtc-1014	58	34	credit	credit	NOUN
ijtc-1014	58	35	cards	card	NOUN
ijtc-1014	58	36	or	or	CCONJ
ijtc-1014	58	37	payday	payday	NOUN
ijtc-1014	58	38	loans(pitthan	loans(pitthan	PROPN
ijtc-1014	58	39	&	&	CCONJ
ijtc-1014	58	40	witte	witte	NOUN
ijtc-1014	58	41	,	,	PUNCT
ijtc-1014	58	42	2021	2021	NUM
ijtc-1014	58	43	)	)	PUNCT
ijtc-1014	58	44	.	.	PUNCT
ijtc-1014	59	1	financial	financial	ADJ
ijtc-1014	59	2	literacy	literacy	NOUN
ijtc-1014	59	3	has	have	VERB
ijtc-1014	59	4	a	a	DET
ijtc-1014	59	5	positive	positive	ADJ
ijtc-1014	59	6	relationship	relationship	NOUN
ijtc-1014	59	7	with	with	ADP
ijtc-1014	59	8	long	long	ADJ
ijtc-1014	59	9	-	-	PUNCT
ijtc-1014	59	10	term	term	NOUN
ijtc-1014	59	11	financial	financial	ADJ
ijtc-1014	59	12	well	well	NOUN
ijtc-1014	59	13	-	-	PUNCT
ijtc-1014	59	14	being	being	NOUN
ijtc-1014	59	15	,	,	PUNCT
ijtc-1014	59	16	such	such	ADJ
ijtc-1014	59	17	as	as	ADP
ijtc-1014	59	18	retirement	retirement	NOUN
ijtc-1014	59	19	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	ADV
ijtc-1014	59	20	the	the	DET
ijtc-1014	59	21	impact	impact	NOUN
ijtc-1014	59	22	of	of	ADP
ijtc-1014	59	23	financial	financial	ADJ
ijtc-1014	59	24	literacy	literacy	NOUN
ijtc-1014	59	25	and	and	CCONJ
ijtc-1014	59	26	digital	digital	ADJ
ijtc-1014	59	27	awareness	awareness	NOUN
ijtc-1014	59	28	on	on	ADP
ijtc-1014	59	29	investment	investment	NOUN
ijtc-1014	59	30	intentions	intention	NOUN
ijtc-1014	59	31	karundeng	karundeng	PROPN
ijtc-1014	59	32	,	,	PUNCT
ijtc-1014	59	33	siagian	siagian	PROPN
ijtc-1014	59	34	,	,	PUNCT
ijtc-1014	59	35	hutabarat	hutabarat	PROPN
ijtc-1014	59	36	,	,	PUNCT
ijtc-1014	59	37	and	and	CCONJ
ijtc-1014	59	38	pangaribuan	pangaribuan	NOUN
ijtc-1014	59	39	284	284	NUM
ijtc-1014	59	40	|	|	ADV
ijtc-1014	59	41	ilomata	ilomata	PROPN
ijtc-1014	59	42	international	international	ADJ
ijtc-1014	59	43	journal	journal	NOUN
ijtc-1014	59	44	of	of	ADP
ijtc-1014	59	45	tax	tax	PROPN
ijtc-1014	59	46	&	&	CCONJ
ijtc-1014	59	47	accounting	accounting	PROPN
ijtc-1014	59	48	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	PROPN
ijtc-1014	59	49	preparation	preparation	NOUN
ijtc-1014	59	50	,	,	PUNCT
ijtc-1014	59	51	long	long	ADJ
ijtc-1014	59	52	-	-	PUNCT
ijtc-1014	59	53	term	term	NOUN
ijtc-1014	59	54	investment	investment	NOUN
ijtc-1014	59	55	,	,	PUNCT
ijtc-1014	59	56	and	and	CCONJ
ijtc-1014	59	57	debt	debt	NOUN
ijtc-1014	59	58	reduction	reduction	NOUN
ijtc-1014	59	59	.	.	PUNCT
ijtc-1014	60	1	this	this	PRON
ijtc-1014	60	2	is	be	AUX
ijtc-1014	60	3	further	far	ADV
ijtc-1014	60	4	supported	support	VERB
ijtc-1014	60	5	by	by	ADP
ijtc-1014	60	6	(	(	PUNCT
ijtc-1014	60	7	samsuri	samsuri	PROPN
ijtc-1014	60	8	et	et	PROPN
ijtc-1014	60	9	al	al	PROPN
ijtc-1014	60	10	.	.	PROPN
ijtc-1014	60	11	,	,	PUNCT
ijtc-1014	60	12	2019	2019	NUM
ijtc-1014	60	13	)	)	PUNCT
ijtc-1014	60	14	,	,	PUNCT
ijtc-1014	60	15	who	who	PRON
ijtc-1014	60	16	found	find	VERB
ijtc-1014	60	17	that	that	SCONJ
ijtc-1014	60	18	financial	financial	ADJ
ijtc-1014	60	19	literacy	literacy	NOUN
ijtc-1014	60	20	,	,	PUNCT
ijtc-1014	60	21	along	along	ADP
ijtc-1014	60	22	with	with	ADP
ijtc-1014	60	23	risk	risk	NOUN
ijtc-1014	60	24	tolerance	tolerance	NOUN
ijtc-1014	60	25	,	,	PUNCT
ijtc-1014	60	26	significantly	significantly	ADV
ijtc-1014	60	27	affects	affect	VERB
ijtc-1014	60	28	investment	investment	NOUN
ijtc-1014	60	29	intentions	intention	NOUN
ijtc-1014	60	30	,	,	PUNCT
ijtc-1014	60	31	suggesting	suggest	VERB
ijtc-1014	60	32	that	that	SCONJ
ijtc-1014	60	33	a	a	DET
ijtc-1014	60	34	deep	deep	ADJ
ijtc-1014	60	35	understanding	understanding	NOUN
ijtc-1014	60	36	of	of	ADP
ijtc-1014	60	37	financial	financial	ADJ
ijtc-1014	60	38	concepts	concept	NOUN
ijtc-1014	60	39	empowers	empower	VERB
ijtc-1014	60	40	individuals	individual	NOUN
ijtc-1014	60	41	to	to	PART
ijtc-1014	60	42	make	make	VERB
ijtc-1014	60	43	more	more	ADV
ijtc-1014	60	44	strategic	strategic	ADJ
ijtc-1014	60	45	and	and	CCONJ
ijtc-1014	60	46	risk	risk	NOUN
ijtc-1014	60	47	-	-	PUNCT
ijtc-1014	60	48	adjusted	adjust	VERB
ijtc-1014	60	49	investment	investment	NOUN
ijtc-1014	60	50	decisions	decision	NOUN
ijtc-1014	60	51	.	.	PUNCT
ijtc-1014	61	1	financial	financial	ADJ
ijtc-1014	61	2	literacy	literacy	NOUN
ijtc-1014	61	3	also	also	ADV
ijtc-1014	61	4	has	have	VERB
ijtc-1014	61	5	a	a	DET
ijtc-1014	61	6	positive	positive	ADJ
ijtc-1014	61	7	impact	impact	NOUN
ijtc-1014	61	8	on	on	ADP
ijtc-1014	61	9	society	society	NOUN
ijtc-1014	61	10	's	's	PART
ijtc-1014	61	11	overall	overall	ADJ
ijtc-1014	61	12	financial	financial	ADJ
ijtc-1014	61	13	health	health	NOUN
ijtc-1014	61	14	.	.	PUNCT
ijtc-1014	62	1	(	(	PUNCT
ijtc-1014	62	2	tanuwijaya	tanuwijaya	NOUN
ijtc-1014	62	3	&	&	CCONJ
ijtc-1014	62	4	setyawan	setyawan	NOUN
ijtc-1014	62	5	,	,	PUNCT
ijtc-1014	62	6	2021)add	2021)add	NUM
ijtc-1014	62	7	to	to	ADP
ijtc-1014	62	8	this	this	PRON
ijtc-1014	62	9	by	by	ADP
ijtc-1014	62	10	proposing	propose	VERB
ijtc-1014	62	11	financial	financial	ADJ
ijtc-1014	62	12	literacy	literacy	NOUN
ijtc-1014	62	13	as	as	ADP
ijtc-1014	62	14	a	a	DET
ijtc-1014	62	15	potential	potential	ADJ
ijtc-1014	62	16	mediator	mediator	NOUN
ijtc-1014	62	17	for	for	ADP
ijtc-1014	62	18	investment	investment	NOUN
ijtc-1014	62	19	intention	intention	NOUN
ijtc-1014	62	20	,	,	PUNCT
ijtc-1014	62	21	indicating	indicate	VERB
ijtc-1014	62	22	that	that	SCONJ
ijtc-1014	62	23	the	the	DET
ijtc-1014	62	24	knowledge	knowledge	NOUN
ijtc-1014	62	25	of	of	ADP
ijtc-1014	62	26	financial	financial	ADJ
ijtc-1014	62	27	concepts	concept	NOUN
ijtc-1014	62	28	can	can	AUX
ijtc-1014	62	29	serve	serve	VERB
ijtc-1014	62	30	as	as	ADP
ijtc-1014	62	31	a	a	DET
ijtc-1014	62	32	bridge	bridge	NOUN
ijtc-1014	62	33	between	between	ADP
ijtc-1014	62	34	an	an	DET
ijtc-1014	62	35	individual	individual	NOUN
ijtc-1014	62	36	's	's	PART
ijtc-1014	62	37	financial	financial	ADJ
ijtc-1014	62	38	awareness	awareness	NOUN
ijtc-1014	62	39	and	and	CCONJ
ijtc-1014	62	40	their	their	PRON
ijtc-1014	62	41	proactive	proactive	ADJ
ijtc-1014	62	42	engagement	engagement	NOUN
ijtc-1014	62	43	in	in	ADP
ijtc-1014	62	44	investment	investment	NOUN
ijtc-1014	62	45	activities	activity	NOUN
ijtc-1014	62	46	.	.	PUNCT
ijtc-1014	63	1	a	a	DET
ijtc-1014	63	2	higher	high	ADJ
ijtc-1014	63	3	level	level	NOUN
ijtc-1014	63	4	of	of	ADP
ijtc-1014	63	5	financial	financial	ADJ
ijtc-1014	63	6	literacy	literacy	NOUN
ijtc-1014	63	7	,	,	PUNCT
ijtc-1014	63	8	on	on	ADP
ijtc-1014	63	9	the	the	DET
ijtc-1014	63	10	other	other	ADJ
ijtc-1014	63	11	hand	hand	NOUN
ijtc-1014	63	12	,	,	PUNCT
ijtc-1014	63	13	is	be	AUX
ijtc-1014	63	14	associated	associate	VERB
ijtc-1014	63	15	with	with	ADP
ijtc-1014	63	16	wiser	wise	ADJ
ijtc-1014	63	17	and	and	CCONJ
ijtc-1014	63	18	more	more	ADV
ijtc-1014	63	19	effective	effective	ADJ
ijtc-1014	63	20	decision	decision	NOUN
ijtc-1014	63	21	-	-	PUNCT
ijtc-1014	63	22	making	making	NOUN
ijtc-1014	63	23	in	in	ADP
ijtc-1014	63	24	financial	financial	ADJ
ijtc-1014	63	25	management	management	NOUN
ijtc-1014	63	26	,	,	PUNCT
ijtc-1014	63	27	thereby	thereby	ADV
ijtc-1014	63	28	increasing	increase	VERB
ijtc-1014	63	29	investment	investment	NOUN
ijtc-1014	63	30	interest	interest	NOUN
ijtc-1014	63	31	.	.	PUNCT
ijtc-1014	64	1	these	these	DET
ijtc-1014	64	2	relationships	relationship	NOUN
ijtc-1014	64	3	highlight	highlight	VERB
ijtc-1014	64	4	the	the	DET
ijtc-1014	64	5	critical	critical	ADJ
ijtc-1014	64	6	role	role	NOUN
ijtc-1014	64	7	that	that	PRON
ijtc-1014	64	8	financial	financial	ADJ
ijtc-1014	64	9	literacy	literacy	NOUN
ijtc-1014	64	10	plays	play	VERB
ijtc-1014	64	11	not	not	PART
ijtc-1014	64	12	only	only	ADV
ijtc-1014	64	13	in	in	ADP
ijtc-1014	64	14	personal	personal	ADJ
ijtc-1014	64	15	financial	financial	ADJ
ijtc-1014	64	16	outcomes	outcome	NOUN
ijtc-1014	64	17	but	but	CCONJ
ijtc-1014	64	18	also	also	ADV
ijtc-1014	64	19	in	in	ADP
ijtc-1014	64	20	fostering	foster	VERB
ijtc-1014	64	21	a	a	DET
ijtc-1014	64	22	more	more	ADV
ijtc-1014	64	23	financially	financially	ADV
ijtc-1014	64	24	literate	literate	ADJ
ijtc-1014	64	25	society	society	NOUN
ijtc-1014	64	26	that	that	PRON
ijtc-1014	64	27	is	be	AUX
ijtc-1014	64	28	capable	capable	ADJ
ijtc-1014	64	29	of	of	ADP
ijtc-1014	64	30	making	make	VERB
ijtc-1014	64	31	informed	informed	ADJ
ijtc-1014	64	32	investment	investment	NOUN
ijtc-1014	64	33	choices	choice	NOUN
ijtc-1014	64	34	.	.	PUNCT
ijtc-1014	65	1	h1	h1	NOUN
ijtc-1014	65	2	:	:	PUNCT
ijtc-1014	65	3	financial	financial	ADJ
ijtc-1014	65	4	literacy	literacy	NOUN
ijtc-1014	65	5	has	have	VERB
ijtc-1014	65	6	a	a	DET
ijtc-1014	65	7	positive	positive	ADJ
ijtc-1014	65	8	effect	effect	NOUN
ijtc-1014	65	9	on	on	ADP
ijtc-1014	65	10	investment	investment	NOUN
ijtc-1014	65	11	intention	intention	NOUN
ijtc-1014	65	12	digital	digital	ADJ
ijtc-1014	65	13	awareness	awareness	NOUN
ijtc-1014	65	14	and	and	CCONJ
ijtc-1014	65	15	investment	investment	NOUN
ijtc-1014	65	16	intention	intention	NOUN
ijtc-1014	65	17	digital	digital	ADJ
ijtc-1014	65	18	awareness	awareness	NOUN
ijtc-1014	65	19	has	have	VERB
ijtc-1014	65	20	a	a	DET
ijtc-1014	65	21	positive	positive	ADJ
ijtc-1014	65	22	relationship	relationship	NOUN
ijtc-1014	65	23	with	with	ADP
ijtc-1014	65	24	wise	wise	ADJ
ijtc-1014	65	25	and	and	CCONJ
ijtc-1014	65	26	safe	safe	ADJ
ijtc-1014	65	27	internet	internet	NOUN
ijtc-1014	65	28	use	use	NOUN
ijtc-1014	65	29	.	.	PUNCT
ijtc-1014	66	1	a	a	DET
ijtc-1014	66	2	person	person	NOUN
ijtc-1014	66	3	's	's	PART
ijtc-1014	66	4	ability	ability	NOUN
ijtc-1014	66	5	to	to	PART
ijtc-1014	66	6	recognize	recognize	VERB
ijtc-1014	66	7	digital	digital	ADJ
ijtc-1014	66	8	security	security	NOUN
ijtc-1014	66	9	risks	risk	NOUN
ijtc-1014	66	10	and	and	CCONJ
ijtc-1014	66	11	threats	threat	NOUN
ijtc-1014	66	12	,	,	PUNCT
ijtc-1014	66	13	such	such	ADJ
ijtc-1014	66	14	as	as	ADP
ijtc-1014	66	15	computer	computer	NOUN
ijtc-1014	66	16	viruses	virus	NOUN
ijtc-1014	66	17	or	or	CCONJ
ijtc-1014	66	18	online	online	ADJ
ijtc-1014	66	19	fraud	fraud	NOUN
ijtc-1014	66	20	,	,	PUNCT
ijtc-1014	66	21	will	will	AUX
ijtc-1014	66	22	help	help	VERB
ijtc-1014	66	23	them	they	PRON
ijtc-1014	66	24	to	to	PART
ijtc-1014	66	25	avoid	avoid	VERB
ijtc-1014	66	26	risky	risky	ADJ
ijtc-1014	66	27	practices	practice	NOUN
ijtc-1014	66	28	and	and	CCONJ
ijtc-1014	66	29	protect	protect	VERB
ijtc-1014	66	30	their	their	PRON
ijtc-1014	66	31	personal	personal	ADJ
ijtc-1014	66	32	data	datum	NOUN
ijtc-1014	66	33	.	.	PUNCT
ijtc-1014	67	1	a	a	DET
ijtc-1014	67	2	higher	high	ADJ
ijtc-1014	67	3	level	level	NOUN
ijtc-1014	67	4	of	of	ADP
ijtc-1014	67	5	digital	digital	ADJ
ijtc-1014	67	6	awareness	awareness	NOUN
ijtc-1014	67	7	will	will	AUX
ijtc-1014	67	8	help	help	VERB
ijtc-1014	67	9	a	a	DET
ijtc-1014	67	10	person	person	NOUN
ijtc-1014	67	11	to	to	PART
ijtc-1014	67	12	avoid	avoid	VERB
ijtc-1014	67	13	digital	digital	ADJ
ijtc-1014	67	14	security	security	NOUN
ijtc-1014	67	15	risks	risk	NOUN
ijtc-1014	67	16	and	and	CCONJ
ijtc-1014	67	17	threats	threat	NOUN
ijtc-1014	67	18	,	,	PUNCT
ijtc-1014	67	19	protect	protect	VERB
ijtc-1014	67	20	their	their	PRON
ijtc-1014	67	21	personal	personal	ADJ
ijtc-1014	67	22	information	information	NOUN
ijtc-1014	67	23	,	,	PUNCT
ijtc-1014	67	24	and	and	CCONJ
ijtc-1014	67	25	increase	increase	VERB
ijtc-1014	67	26	creativity	creativity	NOUN
ijtc-1014	67	27	and	and	CCONJ
ijtc-1014	67	28	innovation	innovation	NOUN
ijtc-1014	67	29	through	through	ADP
ijtc-1014	67	30	the	the	DET
ijtc-1014	67	31	use	use	NOUN
ijtc-1014	67	32	of	of	ADP
ijtc-1014	67	33	digital	digital	ADJ
ijtc-1014	67	34	technology	technology	NOUN
ijtc-1014	67	35	.	.	PUNCT
ijtc-1014	68	1	(	(	PUNCT
ijtc-1014	68	2	seiler	seiler	PROPN
ijtc-1014	68	3	&	&	CCONJ
ijtc-1014	68	4	fanenbruck	fanenbruck	PROPN
ijtc-1014	68	5	,	,	PUNCT
ijtc-1014	68	6	2021)highlight	2021)highlight	NUM
ijtc-1014	68	7	the	the	DET
ijtc-1014	68	8	growing	grow	VERB
ijtc-1014	68	9	acceptance	acceptance	NOUN
ijtc-1014	68	10	of	of	ADP
ijtc-1014	68	11	digital	digital	ADJ
ijtc-1014	68	12	investment	investment	NOUN
ijtc-1014	68	13	solutions	solution	NOUN
ijtc-1014	68	14	,	,	PUNCT
ijtc-1014	68	15	such	such	ADJ
ijtc-1014	68	16	as	as	ADP
ijtc-1014	68	17	robo	robo	NOUN
ijtc-1014	68	18	-	-	PUNCT
ijtc-1014	68	19	advisors	advisor	NOUN
ijtc-1014	68	20	in	in	ADP
ijtc-1014	68	21	germany	germany	PROPN
ijtc-1014	68	22	,	,	PUNCT
ijtc-1014	68	23	which	which	PRON
ijtc-1014	68	24	indicates	indicate	VERB
ijtc-1014	68	25	a	a	DET
ijtc-1014	68	26	shift	shift	NOUN
ijtc-1014	68	27	towards	towards	ADP
ijtc-1014	68	28	trust	trust	NOUN
ijtc-1014	68	29	in	in	ADP
ijtc-1014	68	30	digital	digital	ADJ
ijtc-1014	68	31	financial	financial	ADJ
ijtc-1014	68	32	services	service	NOUN
ijtc-1014	68	33	when	when	SCONJ
ijtc-1014	68	34	coupled	couple	VERB
ijtc-1014	68	35	with	with	ADP
ijtc-1014	68	36	increased	increase	VERB
ijtc-1014	68	37	digital	digital	ADJ
ijtc-1014	68	38	awareness	awareness	NOUN
ijtc-1014	68	39	.	.	PUNCT
ijtc-1014	69	1	chen	chen	PROPN
ijtc-1014	69	2	,	,	PUNCT
ijtc-1014	69	3	et	et	PROPN
ijtc-1014	69	4	al	al	PROPN
ijtc-1014	69	5	(	(	PUNCT
ijtc-1014	69	6	2021	2021	NUM
ijtc-1014	69	7	)	)	PUNCT
ijtc-1014	69	8	provide	provide	VERB
ijtc-1014	69	9	an	an	DET
ijtc-1014	69	10	analytical	analytical	ADJ
ijtc-1014	69	11	perspective	perspective	NOUN
ijtc-1014	69	12	on	on	ADP
ijtc-1014	69	13	how	how	SCONJ
ijtc-1014	69	14	digital	digital	ADJ
ijtc-1014	69	15	awareness	awareness	NOUN
ijtc-1014	69	16	plays	play	VERB
ijtc-1014	69	17	a	a	DET
ijtc-1014	69	18	role	role	NOUN
ijtc-1014	69	19	in	in	ADP
ijtc-1014	69	20	the	the	DET
ijtc-1014	69	21	finance	finance	NOUN
ijtc-1014	69	22	industry	industry	NOUN
ijtc-1014	69	23	,	,	PUNCT
ijtc-1014	69	24	particularly	particularly	ADV
ijtc-1014	69	25	in	in	ADP
ijtc-1014	69	26	how	how	SCONJ
ijtc-1014	69	27	risk	risk	NOUN
ijtc-1014	69	28	awareness	awareness	NOUN
ijtc-1014	69	29	models	model	NOUN
ijtc-1014	69	30	and	and	CCONJ
ijtc-1014	69	31	digital	digital	ADJ
ijtc-1014	69	32	economic	economic	ADJ
ijtc-1014	69	33	growth	growth	NOUN
ijtc-1014	69	34	are	be	AUX
ijtc-1014	69	35	interconnected	interconnect	VERB
ijtc-1014	69	36	.	.	PUNCT
ijtc-1014	70	1	furthermore	furthermore	ADV
ijtc-1014	70	2	,	,	PUNCT
ijtc-1014	70	3	the	the	DET
ijtc-1014	70	4	work	work	NOUN
ijtc-1014	70	5	of	of	ADP
ijtc-1014	70	6	baweja	baweja	NOUN
ijtc-1014	70	7	,	,	PUNCT
ijtc-1014	70	8	sangpetch	sangpetch	NOUN
ijtc-1014	70	9	,	,	PUNCT
ijtc-1014	70	10	and	and	CCONJ
ijtc-1014	70	11	sangpetch	sangpetch	NOUN
ijtc-1014	70	12	(	(	PUNCT
ijtc-1014	70	13	2023	2023	NUM
ijtc-1014	70	14	)	)	PUNCT
ijtc-1014	70	15	underscores	underscore	VERB
ijtc-1014	70	16	the	the	DET
ijtc-1014	70	17	importance	importance	NOUN
ijtc-1014	70	18	of	of	ADP
ijtc-1014	70	19	digital	digital	ADJ
ijtc-1014	70	20	awareness	awareness	NOUN
ijtc-1014	70	21	in	in	ADP
ijtc-1014	70	22	the	the	DET
ijtc-1014	70	23	context	context	NOUN
ijtc-1014	70	24	of	of	ADP
ijtc-1014	70	25	ai	ai	VERB
ijtc-1014	70	26	for	for	ADP
ijtc-1014	70	27	fraud	fraud	NOUN
ijtc-1014	70	28	awareness	awareness	NOUN
ijtc-1014	70	29	,	,	PUNCT
ijtc-1014	70	30	suggesting	suggest	VERB
ijtc-1014	70	31	that	that	SCONJ
ijtc-1014	70	32	technology	technology	NOUN
ijtc-1014	70	33	can	can	AUX
ijtc-1014	70	34	be	be	AUX
ijtc-1014	70	35	a	a	DET
ijtc-1014	70	36	double	double	ADJ
ijtc-1014	70	37	-	-	PUNCT
ijtc-1014	70	38	edged	edge	VERB
ijtc-1014	70	39	sword	sword	NOUN
ijtc-1014	70	40	—	—	PUNCT
ijtc-1014	70	41	while	while	SCONJ
ijtc-1014	70	42	it	it	PRON
ijtc-1014	70	43	introduces	introduce	VERB
ijtc-1014	70	44	new	new	ADJ
ijtc-1014	70	45	risks	risk	NOUN
ijtc-1014	70	46	,	,	PUNCT
ijtc-1014	70	47	it	it	PRON
ijtc-1014	70	48	also	also	ADV
ijtc-1014	70	49	provides	provide	VERB
ijtc-1014	70	50	innovative	innovative	ADJ
ijtc-1014	70	51	ways	way	NOUN
ijtc-1014	70	52	to	to	PART
ijtc-1014	70	53	mitigate	mitigate	VERB
ijtc-1014	70	54	them	they	PRON
ijtc-1014	70	55	.	.	PUNCT
ijtc-1014	71	1	investment	investment	NOUN
ijtc-1014	71	2	intentions	intention	NOUN
ijtc-1014	71	3	are	be	AUX
ijtc-1014	71	4	shaped	shape	VERB
ijtc-1014	71	5	by	by	ADP
ijtc-1014	71	6	this	this	DET
ijtc-1014	71	7	complex	complex	ADJ
ijtc-1014	71	8	web	web	NOUN
ijtc-1014	71	9	of	of	ADP
ijtc-1014	71	10	factors	factor	NOUN
ijtc-1014	71	11	,	,	PUNCT
ijtc-1014	71	12	where	where	SCONJ
ijtc-1014	71	13	knowledge	knowledge	NOUN
ijtc-1014	71	14	about	about	ADP
ijtc-1014	71	15	investments	investment	NOUN
ijtc-1014	71	16	,	,	PUNCT
ijtc-1014	71	17	perceptions	perception	NOUN
ijtc-1014	71	18	of	of	ADP
ijtc-1014	71	19	investment	investment	NOUN
ijtc-1014	71	20	risks	risk	NOUN
ijtc-1014	71	21	and	and	CCONJ
ijtc-1014	71	22	returns	return	NOUN
ijtc-1014	71	23	,	,	PUNCT
ijtc-1014	71	24	social	social	ADJ
ijtc-1014	71	25	factors	factor	NOUN
ijtc-1014	71	26	,	,	PUNCT
ijtc-1014	71	27	personal	personal	ADJ
ijtc-1014	71	28	attitudes	attitude	NOUN
ijtc-1014	71	29	,	,	PUNCT
ijtc-1014	71	30	and	and	CCONJ
ijtc-1014	71	31	values	value	NOUN
ijtc-1014	71	32	,	,	PUNCT
ijtc-1014	71	33	as	as	ADV
ijtc-1014	71	34	well	well	ADV
ijtc-1014	71	35	as	as	ADP
ijtc-1014	71	36	economic	economic	ADJ
ijtc-1014	71	37	conditions	condition	NOUN
ijtc-1014	71	38	and	and	CCONJ
ijtc-1014	71	39	government	government	NOUN
ijtc-1014	71	40	policies	policy	NOUN
ijtc-1014	71	41	,	,	PUNCT
ijtc-1014	71	42	all	all	DET
ijtc-1014	71	43	interplay	interplay	NOUN
ijtc-1014	71	44	.	.	PUNCT
ijtc-1014	72	1	in	in	ADP
ijtc-1014	72	2	this	this	DET
ijtc-1014	72	3	evolving	evolve	VERB
ijtc-1014	72	4	digital	digital	ADJ
ijtc-1014	72	5	landscape	landscape	NOUN
ijtc-1014	72	6	,	,	PUNCT
ijtc-1014	72	7	the	the	DET
ijtc-1014	72	8	investor	investor	NOUN
ijtc-1014	72	9	's	's	PART
ijtc-1014	72	10	awareness	awareness	NOUN
ijtc-1014	72	11	and	and	CCONJ
ijtc-1014	72	12	understanding	understanding	NOUN
ijtc-1014	72	13	of	of	ADP
ijtc-1014	72	14	digital	digital	ADJ
ijtc-1014	72	15	tools	tool	NOUN
ijtc-1014	72	16	and	and	CCONJ
ijtc-1014	72	17	the	the	DET
ijtc-1014	72	18	associated	associated	ADJ
ijtc-1014	72	19	risks	risk	NOUN
ijtc-1014	72	20	become	become	VERB
ijtc-1014	72	21	as	as	ADV
ijtc-1014	72	22	crucial	crucial	ADJ
ijtc-1014	72	23	as	as	ADP
ijtc-1014	72	24	their	their	PRON
ijtc-1014	72	25	financial	financial	ADJ
ijtc-1014	72	26	literacy	literacy	NOUN
ijtc-1014	72	27	.	.	PUNCT
ijtc-1014	73	1	h2	h2	NOUN
ijtc-1014	73	2	:	:	PUNCT
ijtc-1014	73	3	digital	digital	ADJ
ijtc-1014	73	4	awareness	awareness	NOUN
ijtc-1014	73	5	has	have	VERB
ijtc-1014	73	6	a	a	DET
ijtc-1014	73	7	positive	positive	ADJ
ijtc-1014	73	8	effect	effect	NOUN
ijtc-1014	73	9	on	on	ADP
ijtc-1014	73	10	investment	investment	NOUN
ijtc-1014	73	11	intention	intention	NOUN
ijtc-1014	73	12	financial	financial	ADJ
ijtc-1014	73	13	literacy	literacy	NOUN
ijtc-1014	73	14	and	and	CCONJ
ijtc-1014	73	15	digital	digital	ADJ
ijtc-1014	73	16	awareness	awareness	NOUN
ijtc-1014	73	17	and	and	CCONJ
ijtc-1014	73	18	investment	investment	NOUN
ijtc-1014	73	19	intention	intention	NOUN
ijtc-1014	73	20	financial	financial	ADJ
ijtc-1014	73	21	literacy	literacy	NOUN
ijtc-1014	73	22	and	and	CCONJ
ijtc-1014	73	23	digital	digital	ADJ
ijtc-1014	73	24	awareness	awareness	NOUN
ijtc-1014	73	25	play	play	VERB
ijtc-1014	73	26	critical	critical	ADJ
ijtc-1014	73	27	roles	role	NOUN
ijtc-1014	73	28	in	in	ADP
ijtc-1014	73	29	shaping	shape	VERB
ijtc-1014	73	30	investment	investment	NOUN
ijtc-1014	73	31	intentions	intention	NOUN
ijtc-1014	73	32	.	.	PUNCT
ijtc-1014	74	1	financial	financial	ADJ
ijtc-1014	74	2	literacy	literacy	NOUN
ijtc-1014	74	3	equips	equip	VERB
ijtc-1014	74	4	individuals	individual	NOUN
ijtc-1014	74	5	with	with	ADP
ijtc-1014	74	6	the	the	DET
ijtc-1014	74	7	understanding	understanding	NOUN
ijtc-1014	74	8	necessary	necessary	ADJ
ijtc-1014	74	9	to	to	PART
ijtc-1014	74	10	make	make	VERB
ijtc-1014	74	11	informed	informed	ADJ
ijtc-1014	74	12	investment	investment	NOUN
ijtc-1014	74	13	decisions	decision	NOUN
ijtc-1014	74	14	,	,	PUNCT
ijtc-1014	74	15	a	a	DET
ijtc-1014	74	16	competence	competence	NOUN
ijtc-1014	74	17	increasingly	increasingly	ADV
ijtc-1014	74	18	important	important	ADJ
ijtc-1014	74	19	in	in	ADP
ijtc-1014	74	20	a	a	DET
ijtc-1014	74	21	complex	complex	ADJ
ijtc-1014	74	22	financial	financial	ADJ
ijtc-1014	74	23	marketplace	marketplace	NOUN
ijtc-1014	74	24	(	(	PUNCT
ijtc-1014	74	25	sadiq	sadiq	PROPN
ijtc-1014	74	26	&	&	CCONJ
ijtc-1014	74	27	khan	khan	PROPN
ijtc-1014	74	28	,	,	PUNCT
ijtc-1014	74	29	2019).coupled	2019).couple	VERB
ijtc-1014	74	30	with	with	ADP
ijtc-1014	74	31	digital	digital	ADJ
ijtc-1014	74	32	awareness	awareness	NOUN
ijtc-1014	74	33	,	,	PUNCT
ijtc-1014	74	34	it	it	PRON
ijtc-1014	74	35	empowers	empower	VERB
ijtc-1014	74	36	individuals	individual	NOUN
ijtc-1014	74	37	to	to	PART
ijtc-1014	74	38	navigate	navigate	VERB
ijtc-1014	74	39	online	online	ADJ
ijtc-1014	74	40	investment	investment	NOUN
ijtc-1014	74	41	platforms	platform	NOUN
ijtc-1014	74	42	effectively	effectively	ADV
ijtc-1014	74	43	,	,	PUNCT
ijtc-1014	74	44	significantly	significantly	ADV
ijtc-1014	74	45	affecting	affect	VERB
ijtc-1014	74	46	their	their	PRON
ijtc-1014	74	47	investment	investment	NOUN
ijtc-1014	74	48	behaviors	behavior	NOUN
ijtc-1014	74	49	and	and	CCONJ
ijtc-1014	74	50	intentions	intention	NOUN
ijtc-1014	74	51	(	(	PUNCT
ijtc-1014	74	52	yang	yang	PROPN
ijtc-1014	74	53	et	et	PROPN
ijtc-1014	74	54	al	al	PROPN
ijtc-1014	74	55	.	.	PROPN
ijtc-1014	74	56	,	,	PUNCT
ijtc-1014	74	57	2019	2019	NUM
ijtc-1014	74	58	)	)	PUNCT
ijtc-1014	74	59	.	.	PUNCT
ijtc-1014	75	1	the	the	DET
ijtc-1014	75	2	relationship	relationship	NOUN
ijtc-1014	75	3	between	between	ADP
ijtc-1014	75	4	financial	financial	ADJ
ijtc-1014	75	5	literacy	literacy	NOUN
ijtc-1014	75	6	and	and	CCONJ
ijtc-1014	75	7	investment	investment	NOUN
ijtc-1014	75	8	intention	intention	NOUN
ijtc-1014	75	9	can	can	AUX
ijtc-1014	75	10	be	be	AUX
ijtc-1014	75	11	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	ADV
ijtc-1014	75	12	the	the	DET
ijtc-1014	75	13	impact	impact	NOUN
ijtc-1014	75	14	of	of	ADP
ijtc-1014	75	15	financial	financial	ADJ
ijtc-1014	75	16	literacy	literacy	NOUN
ijtc-1014	75	17	and	and	CCONJ
ijtc-1014	75	18	digital	digital	ADJ
ijtc-1014	75	19	awareness	awareness	NOUN
ijtc-1014	75	20	on	on	ADP
ijtc-1014	75	21	investment	investment	NOUN
ijtc-1014	75	22	intentions	intention	NOUN
ijtc-1014	75	23	karundeng	karundeng	PROPN
ijtc-1014	75	24	,	,	PUNCT
ijtc-1014	75	25	siagian	siagian	PROPN
ijtc-1014	75	26	,	,	PUNCT
ijtc-1014	75	27	hutabarat	hutabarat	PROPN
ijtc-1014	75	28	,	,	PUNCT
ijtc-1014	75	29	and	and	CCONJ
ijtc-1014	75	30	pangaribuan	pangaribuan	NOUN
ijtc-1014	75	31	285	285	NUM
ijtc-1014	75	32	|	|	ADV
ijtc-1014	75	33	ilomata	ilomata	PROPN
ijtc-1014	75	34	international	international	ADJ
ijtc-1014	75	35	journal	journal	NOUN
ijtc-1014	75	36	of	of	ADP
ijtc-1014	75	37	tax	tax	PROPN
ijtc-1014	75	38	&	&	CCONJ
ijtc-1014	75	39	accounting	accounting	NOUN
ijtc-1014	75	40	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	ADV
ijtc-1014	75	41	nuanced	nuanced	ADJ
ijtc-1014	75	42	by	by	ADP
ijtc-1014	75	43	behavioral	behavioral	ADJ
ijtc-1014	75	44	biases	bias	NOUN
ijtc-1014	75	45	,	,	PUNCT
ijtc-1014	75	46	suggesting	suggest	VERB
ijtc-1014	75	47	that	that	SCONJ
ijtc-1014	75	48	even	even	ADV
ijtc-1014	75	49	well	well	ADV
ijtc-1014	75	50	-	-	PUNCT
ijtc-1014	75	51	informed	inform	VERB
ijtc-1014	75	52	individuals	individual	NOUN
ijtc-1014	75	53	may	may	AUX
ijtc-1014	75	54	deviate	deviate	VERB
ijtc-1014	75	55	from	from	ADP
ijtc-1014	75	56	optimal	optimal	ADJ
ijtc-1014	75	57	decision	decision	NOUN
ijtc-1014	75	58	-	-	PUNCT
ijtc-1014	75	59	making	making	NOUN
ijtc-1014	75	60	due	due	ADJ
ijtc-1014	75	61	to	to	ADP
ijtc-1014	75	62	psychological	psychological	ADJ
ijtc-1014	75	63	factors	factor	NOUN
ijtc-1014	75	64	(	(	PUNCT
ijtc-1014	75	65	pitthan	pitthan	PROPN
ijtc-1014	75	66	&	&	CCONJ
ijtc-1014	75	67	de	de	PROPN
ijtc-1014	75	68	witte	witte	NOUN
ijtc-1014	75	69	,	,	PUNCT
ijtc-1014	75	70	2021	2021	NUM
ijtc-1014	75	71	)	)	PUNCT
ijtc-1014	75	72	.	.	PUNCT
ijtc-1014	76	1	(	(	PUNCT
ijtc-1014	76	2	zhao	zhao	PROPN
ijtc-1014	76	3	&	&	CCONJ
ijtc-1014	76	4	zhang	zhang	PROPN
ijtc-1014	76	5	,	,	PUNCT
ijtc-1014	76	6	2021	2021	NUM
ijtc-1014	76	7	)	)	PUNCT
ijtc-1014	76	8	contribute	contribute	VERB
ijtc-1014	76	9	to	to	ADP
ijtc-1014	76	10	this	this	DET
ijtc-1014	76	11	discourse	discourse	NOUN
ijtc-1014	76	12	by	by	ADP
ijtc-1014	76	13	examining	examine	VERB
ijtc-1014	76	14	the	the	DET
ijtc-1014	76	15	relative	relative	ADJ
ijtc-1014	76	16	influence	influence	NOUN
ijtc-1014	76	17	of	of	ADP
ijtc-1014	76	18	financial	financial	ADJ
ijtc-1014	76	19	literacy	literacy	NOUN
ijtc-1014	76	20	versus	versus	ADP
ijtc-1014	76	21	investment	investment	NOUN
ijtc-1014	76	22	experience	experience	NOUN
ijtc-1014	76	23	in	in	ADP
ijtc-1014	76	24	the	the	DET
ijtc-1014	76	25	context	context	NOUN
ijtc-1014	76	26	of	of	ADP
ijtc-1014	76	27	cryptocurrency	cryptocurrency	NOUN
ijtc-1014	76	28	investments	investment	NOUN
ijtc-1014	76	29	,	,	PUNCT
ijtc-1014	76	30	highlighting	highlight	VERB
ijtc-1014	76	31	the	the	DET
ijtc-1014	76	32	nuanced	nuanced	ADJ
ijtc-1014	76	33	dynamics	dynamic	NOUN
ijtc-1014	76	34	of	of	ADP
ijtc-1014	76	35	financial	financial	ADJ
ijtc-1014	76	36	knowledge	knowledge	NOUN
ijtc-1014	76	37	and	and	CCONJ
ijtc-1014	76	38	its	its	PRON
ijtc-1014	76	39	practical	practical	ADJ
ijtc-1014	76	40	application	application	NOUN
ijtc-1014	76	41	.	.	PUNCT
ijtc-1014	77	1	additionally	additionally	ADV
ijtc-1014	77	2	,	,	PUNCT
ijtc-1014	77	3	(	(	PUNCT
ijtc-1014	77	4	shaik	shaik	PROPN
ijtc-1014	77	5	et	et	PROPN
ijtc-1014	77	6	al	al	PROPN
ijtc-1014	77	7	.	.	PROPN
ijtc-1014	77	8	,	,	PUNCT
ijtc-1014	77	9	2022)underscore	2022)underscore	NUM
ijtc-1014	77	10	the	the	DET
ijtc-1014	77	11	significance	significance	NOUN
ijtc-1014	77	12	of	of	ADP
ijtc-1014	77	13	financial	financial	ADJ
ijtc-1014	77	14	literacy	literacy	NOUN
ijtc-1014	77	15	in	in	ADP
ijtc-1014	77	16	shaping	shape	VERB
ijtc-1014	77	17	the	the	DET
ijtc-1014	77	18	investment	investment	NOUN
ijtc-1014	77	19	behavior	behavior	NOUN
ijtc-1014	77	20	of	of	ADP
ijtc-1014	77	21	it	it	PRON
ijtc-1014	77	22	professionals	professional	NOUN
ijtc-1014	77	23	in	in	ADP
ijtc-1014	77	24	india	india	PROPN
ijtc-1014	77	25	,	,	PUNCT
ijtc-1014	77	26	indicating	indicate	VERB
ijtc-1014	77	27	the	the	DET
ijtc-1014	77	28	specialized	specialized	ADJ
ijtc-1014	77	29	impact	impact	NOUN
ijtc-1014	77	30	of	of	ADP
ijtc-1014	77	31	literacy	literacy	NOUN
ijtc-1014	77	32	in	in	ADP
ijtc-1014	77	33	technology	technology	NOUN
ijtc-1014	77	34	-	-	PUNCT
ijtc-1014	77	35	driven	drive	VERB
ijtc-1014	77	36	sectors	sector	NOUN
ijtc-1014	77	37	.	.	PUNCT
ijtc-1014	78	1	furthermore	furthermore	ADV
ijtc-1014	78	2	,	,	PUNCT
ijtc-1014	78	3	the	the	DET
ijtc-1014	78	4	interplay	interplay	NOUN
ijtc-1014	78	5	of	of	ADP
ijtc-1014	78	6	ai	ai	VERB
ijtc-1014	78	7	in	in	ADP
ijtc-1014	78	8	enhancing	enhance	VERB
ijtc-1014	78	9	fraud	fraud	NOUN
ijtc-1014	78	10	awareness	awareness	NOUN
ijtc-1014	78	11	presents	present	VERB
ijtc-1014	78	12	an	an	DET
ijtc-1014	78	13	intersection	intersection	NOUN
ijtc-1014	78	14	where	where	SCONJ
ijtc-1014	78	15	digital	digital	ADJ
ijtc-1014	78	16	literacy	literacy	NOUN
ijtc-1014	78	17	can	can	AUX
ijtc-1014	78	18	augment	augment	VERB
ijtc-1014	78	19	financial	financial	ADJ
ijtc-1014	78	20	decision	decision	NOUN
ijtc-1014	78	21	-	-	PUNCT
ijtc-1014	78	22	making(baweja	making(baweja	NOUN
ijtc-1014	78	23	et	et	NOUN
ijtc-1014	78	24	al	al	PROPN
ijtc-1014	78	25	.	.	PROPN
ijtc-1014	78	26	,	,	PUNCT
ijtc-1014	78	27	2023	2023	NUM
ijtc-1014	78	28	)	)	PUNCT
ijtc-1014	78	29	.	.	PUNCT
ijtc-1014	79	1	enhancing	enhance	VERB
ijtc-1014	79	2	financial	financial	ADJ
ijtc-1014	79	3	literacy	literacy	NOUN
ijtc-1014	79	4	and	and	CCONJ
ijtc-1014	79	5	digital	digital	ADJ
ijtc-1014	79	6	awareness	awareness	NOUN
ijtc-1014	79	7	could	could	AUX
ijtc-1014	79	8	thus	thus	ADV
ijtc-1014	79	9	serve	serve	VERB
ijtc-1014	79	10	as	as	ADP
ijtc-1014	79	11	a	a	DET
ijtc-1014	79	12	buffer	buffer	NOUN
ijtc-1014	79	13	against	against	ADP
ijtc-1014	79	14	behavioral	behavioral	ADJ
ijtc-1014	79	15	biases	bias	NOUN
ijtc-1014	79	16	,	,	PUNCT
ijtc-1014	79	17	promoting	promote	VERB
ijtc-1014	79	18	a	a	DET
ijtc-1014	79	19	more	more	ADV
ijtc-1014	79	20	rational	rational	ADJ
ijtc-1014	79	21	approach	approach	NOUN
ijtc-1014	79	22	to	to	ADP
ijtc-1014	79	23	investment.h3	investment.h3	PROPN
ijtc-1014	79	24	:	:	PUNCT
ijtc-1014	79	25	financial	financial	ADJ
ijtc-1014	79	26	literacy	literacy	NOUN
ijtc-1014	79	27	and	and	CCONJ
ijtc-1014	79	28	digital	digital	ADJ
ijtc-1014	79	29	awareness	awareness	NOUN
ijtc-1014	79	30	has	have	VERB
ijtc-1014	79	31	a	a	DET
ijtc-1014	79	32	positive	positive	ADJ
ijtc-1014	79	33	effect	effect	NOUN
ijtc-1014	79	34	on	on	ADP
ijtc-1014	79	35	investment	investment	NOUN
ijtc-1014	79	36	intention	intention	NOUN
ijtc-1014	79	37	.	.	PUNCT
ijtc-1014	80	1	method	method	NOUN
ijtc-1014	80	2	this	this	DET
ijtc-1014	80	3	research	research	NOUN
ijtc-1014	80	4	aims	aim	VERB
ijtc-1014	80	5	to	to	PART
ijtc-1014	80	6	analyze	analyze	VERB
ijtc-1014	80	7	the	the	DET
ijtc-1014	80	8	influence	influence	NOUN
ijtc-1014	80	9	of	of	ADP
ijtc-1014	80	10	financial	financial	ADJ
ijtc-1014	80	11	literacy	literacy	NOUN
ijtc-1014	80	12	and	and	CCONJ
ijtc-1014	80	13	digital	digital	ADJ
ijtc-1014	80	14	awareness	awareness	NOUN
ijtc-1014	80	15	on	on	ADP
ijtc-1014	80	16	individual	individual	ADJ
ijtc-1014	80	17	investment	investment	NOUN
ijtc-1014	80	18	intentions	intention	NOUN
ijtc-1014	80	19	.	.	PUNCT
ijtc-1014	81	1	data	datum	NOUN
ijtc-1014	81	2	was	be	AUX
ijtc-1014	81	3	collected	collect	VERB
ijtc-1014	81	4	through	through	ADP
ijtc-1014	81	5	questionnaires	questionnaire	NOUN
ijtc-1014	81	6	distributed	distribute	VERB
ijtc-1014	81	7	online	online	ADV
ijtc-1014	81	8	via	via	ADP
ijtc-1014	81	9	social	social	ADJ
ijtc-1014	81	10	media	medium	NOUN
ijtc-1014	81	11	and	and	CCONJ
ijtc-1014	81	12	other	other	ADJ
ijtc-1014	81	13	digital	digital	ADJ
ijtc-1014	81	14	platforms	platform	NOUN
ijtc-1014	81	15	.	.	PUNCT
ijtc-1014	82	1	the	the	DET
ijtc-1014	82	2	questionnaire	questionnaire	NOUN
ijtc-1014	82	3	consists	consist	VERB
ijtc-1014	82	4	of	of	ADP
ijtc-1014	82	5	questions	question	NOUN
ijtc-1014	82	6	that	that	PRON
ijtc-1014	82	7	measure	measure	VERB
ijtc-1014	82	8	the	the	DET
ijtc-1014	82	9	level	level	NOUN
ijtc-1014	82	10	of	of	ADP
ijtc-1014	82	11	financial	financial	ADJ
ijtc-1014	82	12	literacy	literacy	NOUN
ijtc-1014	82	13	,	,	PUNCT
ijtc-1014	82	14	digital	digital	ADJ
ijtc-1014	82	15	awareness	awareness	NOUN
ijtc-1014	82	16	and	and	CCONJ
ijtc-1014	82	17	intention	intention	NOUN
ijtc-1014	82	18	to	to	PART
ijtc-1014	82	19	invest	invest	VERB
ijtc-1014	82	20	using	use	VERB
ijtc-1014	82	21	likert	likert	ADJ
ijtc-1014	82	22	scale	scale	NOUN
ijtc-1014	82	23	.	.	PUNCT
ijtc-1014	83	1	the	the	DET
ijtc-1014	83	2	data	datum	NOUN
ijtc-1014	83	3	collected	collect	VERB
ijtc-1014	83	4	was	be	AUX
ijtc-1014	83	5	analyzed	analyze	VERB
ijtc-1014	83	6	using	use	VERB
ijtc-1014	83	7	multiple	multiple	ADJ
ijtc-1014	83	8	linear	linear	ADJ
ijtc-1014	83	9	regression	regression	NOUN
ijtc-1014	83	10	analysis	analysis	NOUN
ijtc-1014	83	11	with	with	ADP
ijtc-1014	83	12	the	the	DET
ijtc-1014	83	13	help	help	NOUN
ijtc-1014	83	14	of	of	ADP
ijtc-1014	83	15	statistical	statistical	ADJ
ijtc-1014	83	16	software	software	NOUN
ijtc-1014	83	17	,	,	PUNCT
ijtc-1014	83	18	spss	spss	PROPN
ijtc-1014	83	19	.	.	PUNCT
ijtc-1014	84	1	we	we	PRON
ijtc-1014	84	2	delineate	delineate	VERB
ijtc-1014	84	3	the	the	DET
ijtc-1014	84	4	framework	framework	NOUN
ijtc-1014	84	5	and	and	CCONJ
ijtc-1014	84	6	methodology	methodology	NOUN
ijtc-1014	84	7	for	for	ADP
ijtc-1014	84	8	identifying	identify	VERB
ijtc-1014	84	9	and	and	CCONJ
ijtc-1014	84	10	selecting	select	VERB
ijtc-1014	84	11	participants	participant	NOUN
ijtc-1014	84	12	for	for	ADP
ijtc-1014	84	13	the	the	DET
ijtc-1014	84	14	study	study	NOUN
ijtc-1014	84	15	.	.	PUNCT
ijtc-1014	85	1	the	the	DET
ijtc-1014	85	2	target	target	NOUN
ijtc-1014	85	3	population	population	NOUN
ijtc-1014	85	4	encompasses	encompass	VERB
ijtc-1014	85	5	alumni	alumnus	NOUN
ijtc-1014	85	6	of	of	ADP
ijtc-1014	85	7	a	a	DET
ijtc-1014	85	8	specified	specified	ADJ
ijtc-1014	85	9	university	university	NOUN
ijtc-1014	85	10	,	,	PUNCT
ijtc-1014	85	11	providing	provide	VERB
ijtc-1014	85	12	a	a	DET
ijtc-1014	85	13	rich	rich	ADJ
ijtc-1014	85	14	context	context	NOUN
ijtc-1014	85	15	for	for	ADP
ijtc-1014	85	16	investigating	investigate	VERB
ijtc-1014	85	17	the	the	DET
ijtc-1014	85	18	long	long	ADJ
ijtc-1014	85	19	-	-	PUNCT
ijtc-1014	85	20	term	term	NOUN
ijtc-1014	85	21	impacts	impact	NOUN
ijtc-1014	85	22	of	of	ADP
ijtc-1014	85	23	higher	high	ADJ
ijtc-1014	85	24	education	education	NOUN
ijtc-1014	85	25	on	on	ADP
ijtc-1014	85	26	career	career	NOUN
ijtc-1014	85	27	trajectories	trajectory	NOUN
ijtc-1014	85	28	.	.	PUNCT
ijtc-1014	86	1	within	within	ADP
ijtc-1014	86	2	this	this	DET
ijtc-1014	86	3	population	population	NOUN
ijtc-1014	86	4	,	,	PUNCT
ijtc-1014	86	5	a	a	DET
ijtc-1014	86	6	total	total	NOUN
ijtc-1014	86	7	of	of	ADP
ijtc-1014	86	8	238	238	NUM
ijtc-1014	86	9	individuals	individual	NOUN
ijtc-1014	86	10	were	be	AUX
ijtc-1014	86	11	selected	select	VERB
ijtc-1014	86	12	using	use	VERB
ijtc-1014	86	13	stratified	stratified	ADJ
ijtc-1014	86	14	sampling	sample	VERB
ijtc-1014	86	15	techniques	technique	NOUN
ijtc-1014	86	16	to	to	PART
ijtc-1014	86	17	ensure	ensure	VERB
ijtc-1014	86	18	representation	representation	NOUN
ijtc-1014	86	19	across	across	ADP
ijtc-1014	86	20	graduation	graduation	NOUN
ijtc-1014	86	21	years	year	NOUN
ijtc-1014	86	22	,	,	PUNCT
ijtc-1014	86	23	programs	program	NOUN
ijtc-1014	86	24	of	of	ADP
ijtc-1014	86	25	study	study	NOUN
ijtc-1014	86	26	,	,	PUNCT
ijtc-1014	86	27	and	and	CCONJ
ijtc-1014	86	28	demographic	demographic	ADJ
ijtc-1014	86	29	factors	factor	NOUN
ijtc-1014	86	30	.	.	PUNCT
ijtc-1014	87	1	detailed	detailed	ADJ
ijtc-1014	87	2	profiles	profile	NOUN
ijtc-1014	87	3	of	of	ADP
ijtc-1014	87	4	these	these	DET
ijtc-1014	87	5	respondents	respondent	NOUN
ijtc-1014	87	6	were	be	AUX
ijtc-1014	87	7	compiled	compile	VERB
ijtc-1014	87	8	,	,	PUNCT
ijtc-1014	87	9	capturing	capture	VERB
ijtc-1014	87	10	variables	variable	NOUN
ijtc-1014	87	11	such	such	ADJ
ijtc-1014	87	12	as	as	ADP
ijtc-1014	87	13	current	current	ADJ
ijtc-1014	87	14	employment	employment	NOUN
ijtc-1014	87	15	status	status	NOUN
ijtc-1014	87	16	,	,	PUNCT
ijtc-1014	87	17	sector	sector	NOUN
ijtc-1014	87	18	of	of	ADP
ijtc-1014	87	19	employment	employment	NOUN
ijtc-1014	87	20	,	,	PUNCT
ijtc-1014	87	21	and	and	CCONJ
ijtc-1014	87	22	further	further	ADJ
ijtc-1014	87	23	educational	educational	ADJ
ijtc-1014	87	24	pursuits	pursuit	NOUN
ijtc-1014	87	25	post	post	ADJ
ijtc-1014	87	26	-	-	NOUN
ijtc-1014	87	27	graduation	graduation	NOUN
ijtc-1014	87	28	.	.	PUNCT
ijtc-1014	88	1	table	table	NOUN
ijtc-1014	88	2	1	1	NUM
ijtc-1014	88	3	.	.	PUNCT
ijtc-1014	89	1	dimension	dimension	NOUN
ijtc-1014	89	2	and	and	CCONJ
ijtc-1014	89	3	indicators	indicator	NOUN
ijtc-1014	89	4	variable	variable	ADJ
ijtc-1014	89	5	dimension	dimension	NOUN
ijtc-1014	89	6	indicator	indicator	NOUN
ijtc-1014	89	7	financial	financial	ADJ
ijtc-1014	89	8	literacy	literacy	NOUN
ijtc-1014	89	9	understanding	understanding	NOUN
ijtc-1014	89	10	of	of	ADP
ijtc-1014	89	11	financial	financial	ADJ
ijtc-1014	89	12	concepts	concept	NOUN
ijtc-1014	89	13	knowledge	knowledge	NOUN
ijtc-1014	89	14	of	of	ADP
ijtc-1014	89	15	basic	basic	ADJ
ijtc-1014	89	16	economic	economic	ADJ
ijtc-1014	89	17	concepts	concept	NOUN
ijtc-1014	89	18	such	such	ADJ
ijtc-1014	89	19	as	as	ADP
ijtc-1014	89	20	interest	interest	NOUN
ijtc-1014	89	21	rates	rate	NOUN
ijtc-1014	89	22	,	,	PUNCT
ijtc-1014	89	23	inflation	inflation	NOUN
ijtc-1014	89	24	,	,	PUNCT
ijtc-1014	89	25	and	and	CCONJ
ijtc-1014	89	26	diversification	diversification	NOUN
ijtc-1014	89	27	.	.	PUNCT
ijtc-1014	90	1	understanding	understanding	NOUN
ijtc-1014	90	2	of	of	ADP
ijtc-1014	90	3	the	the	DET
ijtc-1014	90	4	time	time	NOUN
ijtc-1014	90	5	value	value	NOUN
ijtc-1014	90	6	of	of	ADP
ijtc-1014	90	7	money	money	NOUN
ijtc-1014	90	8	and	and	CCONJ
ijtc-1014	90	9	compound	compound	NOUN
ijtc-1014	90	10	interest	interest	NOUN
ijtc-1014	90	11	.	.	PUNCT
ijtc-1014	91	1	ability	ability	NOUN
ijtc-1014	91	2	to	to	PART
ijtc-1014	91	3	apply	apply	VERB
ijtc-1014	91	4	financial	financial	ADJ
ijtc-1014	91	5	knowledge	knowledge	NOUN
ijtc-1014	91	6	proficiency	proficiency	NOUN
ijtc-1014	91	7	in	in	ADP
ijtc-1014	91	8	calculating	calculate	VERB
ijtc-1014	91	9	returns	return	NOUN
ijtc-1014	91	10	on	on	ADP
ijtc-1014	91	11	investments	investment	NOUN
ijtc-1014	91	12	.	.	PUNCT
ijtc-1014	92	1	ability	ability	NOUN
ijtc-1014	92	2	to	to	PART
ijtc-1014	92	3	read	read	VERB
ijtc-1014	92	4	and	and	CCONJ
ijtc-1014	92	5	comprehend	comprehend	VERB
ijtc-1014	92	6	financial	financial	ADJ
ijtc-1014	92	7	statements	statement	NOUN
ijtc-1014	92	8	.	.	PUNCT
ijtc-1014	93	1	understanding	understanding	NOUN
ijtc-1014	93	2	of	of	ADP
ijtc-1014	93	3	risk	risk	NOUN
ijtc-1014	93	4	and	and	CCONJ
ijtc-1014	93	5	return	return	VERB
ijtc-1014	93	6	and	and	CCONJ
ijtc-1014	93	7	their	their	PRON
ijtc-1014	93	8	application	application	NOUN
ijtc-1014	93	9	in	in	ADP
ijtc-1014	93	10	investment	investment	NOUN
ijtc-1014	93	11	decisions	decision	NOUN
ijtc-1014	93	12	.	.	PUNCT
ijtc-1014	94	1	financial	financial	ADJ
ijtc-1014	94	2	decisionmaking	decisionmake	VERB
ijtc-1014	94	3	ability	ability	NOUN
ijtc-1014	94	4	to	to	PART
ijtc-1014	94	5	make	make	VERB
ijtc-1014	94	6	informed	informed	ADJ
ijtc-1014	94	7	choices	choice	NOUN
ijtc-1014	94	8	regarding	regard	VERB
ijtc-1014	94	9	credit	credit	NOUN
ijtc-1014	94	10	,	,	PUNCT
ijtc-1014	94	11	savings	saving	NOUN
ijtc-1014	94	12	,	,	PUNCT
ijtc-1014	94	13	and	and	CCONJ
ijtc-1014	94	14	investment	investment	NOUN
ijtc-1014	94	15	vehicles	vehicle	NOUN
ijtc-1014	94	16	.	.	PUNCT
ijtc-1014	95	1	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	ADV
ijtc-1014	95	2	the	the	DET
ijtc-1014	95	3	impact	impact	NOUN
ijtc-1014	95	4	of	of	ADP
ijtc-1014	95	5	financial	financial	ADJ
ijtc-1014	95	6	literacy	literacy	NOUN
ijtc-1014	95	7	and	and	CCONJ
ijtc-1014	95	8	digital	digital	ADJ
ijtc-1014	95	9	awareness	awareness	NOUN
ijtc-1014	95	10	on	on	ADP
ijtc-1014	95	11	investment	investment	NOUN
ijtc-1014	95	12	intentions	intention	NOUN
ijtc-1014	95	13	karundeng	karundeng	PROPN
ijtc-1014	95	14	,	,	PUNCT
ijtc-1014	95	15	siagian	siagian	PROPN
ijtc-1014	95	16	,	,	PUNCT
ijtc-1014	95	17	hutabarat	hutabarat	PROPN
ijtc-1014	95	18	,	,	PUNCT
ijtc-1014	95	19	and	and	CCONJ
ijtc-1014	95	20	pangaribuan	pangaribuan	NOUN
ijtc-1014	95	21	286	286	NUM
ijtc-1014	95	22	|	|	NOUN
ijtc-1014	95	23	ilomata	ilomata	NOUN
ijtc-1014	95	24	international	international	ADJ
ijtc-1014	95	25	journal	journal	NOUN
ijtc-1014	95	26	of	of	ADP
ijtc-1014	95	27	tax	tax	PROPN
ijtc-1014	95	28	&	&	CCONJ
ijtc-1014	95	29	accounting	account	VERB
ijtc-1014	95	30	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	PROPN
ijtc-1014	95	31	awareness	awareness	NOUN
ijtc-1014	95	32	of	of	ADP
ijtc-1014	95	33	cognitive	cognitive	ADJ
ijtc-1014	95	34	biases	bias	NOUN
ijtc-1014	95	35	like	like	ADP
ijtc-1014	95	36	overconfidence	overconfidence	NOUN
ijtc-1014	95	37	and	and	CCONJ
ijtc-1014	95	38	loss	loss	NOUN
ijtc-1014	95	39	aversion	aversion	NOUN
ijtc-1014	95	40	that	that	PRON
ijtc-1014	95	41	affect	affect	VERB
ijtc-1014	95	42	financial	financial	ADJ
ijtc-1014	95	43	decisions	decision	NOUN
ijtc-1014	95	44	.	.	PUNCT
ijtc-1014	96	1	digital	digital	ADJ
ijtc-1014	96	2	awareness	awareness	NOUN
ijtc-1014	96	3	knowledge	knowledge	NOUN
ijtc-1014	96	4	of	of	ADP
ijtc-1014	96	5	digital	digital	ADJ
ijtc-1014	96	6	tools	tool	NOUN
ijtc-1014	96	7	familiarity	familiarity	NOUN
ijtc-1014	96	8	with	with	ADP
ijtc-1014	96	9	online	online	ADJ
ijtc-1014	96	10	investment	investment	NOUN
ijtc-1014	96	11	platforms	platform	NOUN
ijtc-1014	96	12	and	and	CCONJ
ijtc-1014	96	13	financial	financial	ADJ
ijtc-1014	96	14	services	service	NOUN
ijtc-1014	96	15	.	.	PUNCT
ijtc-1014	97	1	understanding	understanding	NOUN
ijtc-1014	97	2	of	of	ADP
ijtc-1014	97	3	the	the	DET
ijtc-1014	97	4	functionalities	functionality	NOUN
ijtc-1014	97	5	and	and	CCONJ
ijtc-1014	97	6	limitations	limitation	NOUN
ijtc-1014	97	7	of	of	ADP
ijtc-1014	97	8	various	various	ADJ
ijtc-1014	97	9	digital	digital	ADJ
ijtc-1014	97	10	financial	financial	ADJ
ijtc-1014	97	11	tools	tool	NOUN
ijtc-1014	97	12	.	.	PUNCT
ijtc-1014	98	1	skill	skill	NOUN
ijtc-1014	98	2	in	in	ADP
ijtc-1014	98	3	using	use	VERB
ijtc-1014	98	4	digital	digital	ADJ
ijtc-1014	98	5	platforms	platform	NOUN
ijtc-1014	98	6	proficiency	proficiency	NOUN
ijtc-1014	98	7	in	in	ADP
ijtc-1014	98	8	executing	execute	VERB
ijtc-1014	98	9	financial	financial	ADJ
ijtc-1014	98	10	transactions	transaction	NOUN
ijtc-1014	98	11	online	online	ADV
ijtc-1014	98	12	.	.	PUNCT
ijtc-1014	99	1	skill	skill	NOUN
ijtc-1014	99	2	in	in	ADP
ijtc-1014	99	3	using	use	VERB
ijtc-1014	99	4	digital	digital	ADJ
ijtc-1014	99	5	tools	tool	NOUN
ijtc-1014	99	6	for	for	ADP
ijtc-1014	99	7	portfolio	portfolio	NOUN
ijtc-1014	99	8	management	management	NOUN
ijtc-1014	99	9	and	and	CCONJ
ijtc-1014	99	10	financial	financial	ADJ
ijtc-1014	99	11	analysis	analysis	NOUN
ijtc-1014	99	12	.	.	PUNCT
ijtc-1014	100	1	awareness	awareness	NOUN
ijtc-1014	100	2	of	of	ADP
ijtc-1014	100	3	digital	digital	ADJ
ijtc-1014	100	4	risks	risk	NOUN
ijtc-1014	100	5	recognition	recognition	NOUN
ijtc-1014	100	6	of	of	ADP
ijtc-1014	100	7	online	online	ADJ
ijtc-1014	100	8	financial	financial	ADJ
ijtc-1014	100	9	scams	scam	NOUN
ijtc-1014	100	10	and	and	CCONJ
ijtc-1014	100	11	fraud	fraud	NOUN
ijtc-1014	100	12	.	.	PUNCT
ijtc-1014	101	1	understanding	understanding	NOUN
ijtc-1014	101	2	of	of	ADP
ijtc-1014	101	3	cybersecurity	cybersecurity	NOUN
ijtc-1014	101	4	measures	measure	NOUN
ijtc-1014	101	5	to	to	PART
ijtc-1014	101	6	protect	protect	VERB
ijtc-1014	101	7	financial	financial	ADJ
ijtc-1014	101	8	data	datum	NOUN
ijtc-1014	101	9	.	.	PUNCT
ijtc-1014	102	1	investment	investment	NOUN
ijtc-1014	102	2	intention	intention	NOUN
ijtc-1014	102	3	attitude	attitude	NOUN
ijtc-1014	102	4	towards	towards	ADP
ijtc-1014	102	5	investing	invest	VERB
ijtc-1014	102	6	personal	personal	ADJ
ijtc-1014	102	7	predisposition	predisposition	NOUN
ijtc-1014	102	8	towards	towards	ADP
ijtc-1014	102	9	or	or	CCONJ
ijtc-1014	102	10	against	against	ADP
ijtc-1014	102	11	investing	investing	NOUN
ijtc-1014	102	12	based	base	VERB
ijtc-1014	102	13	on	on	ADP
ijtc-1014	102	14	perceived	perceive	VERB
ijtc-1014	102	15	risks	risk	NOUN
ijtc-1014	102	16	and	and	CCONJ
ijtc-1014	102	17	benefits	benefit	NOUN
ijtc-1014	102	18	.	.	PUNCT
ijtc-1014	103	1	expectations	expectation	NOUN
ijtc-1014	103	2	of	of	ADP
ijtc-1014	103	3	future	future	ADJ
ijtc-1014	103	4	financial	financial	ADJ
ijtc-1014	103	5	performance	performance	NOUN
ijtc-1014	103	6	and	and	CCONJ
ijtc-1014	103	7	market	market	NOUN
ijtc-1014	103	8	conditions	condition	NOUN
ijtc-1014	103	9	.	.	PUNCT
ijtc-1014	104	1	subjective	subjective	ADJ
ijtc-1014	104	2	norms	norm	NOUN
ijtc-1014	104	3	influence	influence	NOUN
ijtc-1014	104	4	of	of	ADP
ijtc-1014	104	5	social	social	ADJ
ijtc-1014	104	6	circle	circle	NOUN
ijtc-1014	104	7	and	and	CCONJ
ijtc-1014	104	8	cultural	cultural	ADJ
ijtc-1014	104	9	background	background	NOUN
ijtc-1014	104	10	on	on	ADP
ijtc-1014	104	11	investment	investment	NOUN
ijtc-1014	104	12	decisions	decision	NOUN
ijtc-1014	104	13	.	.	PUNCT
ijtc-1014	105	1	impact	impact	NOUN
ijtc-1014	105	2	of	of	ADP
ijtc-1014	105	3	media	medium	NOUN
ijtc-1014	105	4	and	and	CCONJ
ijtc-1014	105	5	social	social	ADJ
ijtc-1014	105	6	media	medium	NOUN
ijtc-1014	105	7	on	on	ADP
ijtc-1014	105	8	personal	personal	ADJ
ijtc-1014	105	9	investment	investment	NOUN
ijtc-1014	105	10	trends	trend	NOUN
ijtc-1014	105	11	.	.	PUNCT
ijtc-1014	106	1	perceived	perceive	VERB
ijtc-1014	106	2	behavioral	behavioral	ADJ
ijtc-1014	106	3	control	control	NOUN
ijtc-1014	106	4	self	self	NOUN
ijtc-1014	106	5	-	-	PUNCT
ijtc-1014	106	6	assessed	assess	VERB
ijtc-1014	106	7	competence	competence	NOUN
ijtc-1014	106	8	in	in	ADP
ijtc-1014	106	9	managing	manage	VERB
ijtc-1014	106	10	investments	investment	NOUN
ijtc-1014	106	11	.	.	PUNCT
ijtc-1014	107	1	confidence	confidence	NOUN
ijtc-1014	107	2	in	in	ADP
ijtc-1014	107	3	using	use	VERB
ijtc-1014	107	4	digital	digital	ADJ
ijtc-1014	107	5	tools	tool	NOUN
ijtc-1014	107	6	to	to	PART
ijtc-1014	107	7	aid	aid	VERB
ijtc-1014	107	8	investment	investment	NOUN
ijtc-1014	107	9	decisions	decision	NOUN
ijtc-1014	107	10	.	.	PUNCT
ijtc-1014	108	1	perception	perception	NOUN
ijtc-1014	108	2	of	of	ADP
ijtc-1014	108	3	control	control	NOUN
ijtc-1014	108	4	over	over	ADP
ijtc-1014	108	5	financial	financial	ADJ
ijtc-1014	108	6	outcomes	outcome	NOUN
ijtc-1014	108	7	.	.	PUNCT
ijtc-1014	109	1	data	datum	NOUN
ijtc-1014	109	2	collection	collection	NOUN
ijtc-1014	109	3	was	be	AUX
ijtc-1014	109	4	meticulously	meticulously	ADV
ijtc-1014	109	5	conducted	conduct	VERB
ijtc-1014	109	6	through	through	ADP
ijtc-1014	109	7	a	a	DET
ijtc-1014	109	8	quantitative	quantitative	ADJ
ijtc-1014	109	9	surveys	survey	NOUN
ijtc-1014	109	10	a	a	PRON
ijtc-1014	109	11	to	to	PART
ijtc-1014	109	12	gather	gather	VERB
ijtc-1014	109	13	comprehensive	comprehensive	ADJ
ijtc-1014	109	14	data	datum	NOUN
ijtc-1014	109	15	.	.	PUNCT
ijtc-1014	110	1	the	the	DET
ijtc-1014	110	2	measures	measure	NOUN
ijtc-1014	110	3	section	section	NOUN
ijtc-1014	110	4	elaborates	elaborate	VERB
ijtc-1014	110	5	on	on	ADP
ijtc-1014	110	6	the	the	DET
ijtc-1014	110	7	specific	specific	ADJ
ijtc-1014	110	8	tools	tool	NOUN
ijtc-1014	110	9	and	and	CCONJ
ijtc-1014	110	10	instruments	instrument	NOUN
ijtc-1014	110	11	utilized	utilize	VERB
ijtc-1014	110	12	to	to	PART
ijtc-1014	110	13	assess	assess	VERB
ijtc-1014	110	14	the	the	DET
ijtc-1014	110	15	variables	variable	NOUN
ijtc-1014	110	16	of	of	ADP
ijtc-1014	110	17	interest	interest	NOUN
ijtc-1014	110	18	.	.	PUNCT
ijtc-1014	111	1	likert	likert	ADJ
ijtc-1014	111	2	-	-	PUNCT
ijtc-1014	111	3	scale	scale	NOUN
ijtc-1014	111	4	items	item	NOUN
ijtc-1014	111	5	were	be	AUX
ijtc-1014	111	6	employed	employ	VERB
ijtc-1014	111	7	to	to	PART
ijtc-1014	111	8	measure	measure	VERB
ijtc-1014	111	9	subjective	subjective	ADJ
ijtc-1014	111	10	elements	element	NOUN
ijtc-1014	111	11	such	such	ADJ
ijtc-1014	111	12	as	as	ADP
ijtc-1014	111	13	satisfaction	satisfaction	NOUN
ijtc-1014	111	14	and	and	CCONJ
ijtc-1014	111	15	perceived	perceive	VERB
ijtc-1014	111	16	value	value	NOUN
ijtc-1014	111	17	,	,	PUNCT
ijtc-1014	111	18	while	while	SCONJ
ijtc-1014	111	19	objective	objective	ADJ
ijtc-1014	111	20	measures	measure	NOUN
ijtc-1014	111	21	included	include	VERB
ijtc-1014	111	22	factual	factual	ADJ
ijtc-1014	111	23	data	datum	NOUN
ijtc-1014	111	24	such	such	ADJ
ijtc-1014	111	25	as	as	ADP
ijtc-1014	111	26	income	income	NOUN
ijtc-1014	111	27	brackets	bracket	NOUN
ijtc-1014	111	28	and	and	CCONJ
ijtc-1014	111	29	employment	employment	NOUN
ijtc-1014	111	30	status	status	NOUN
ijtc-1014	111	31	.	.	PUNCT
ijtc-1014	112	1	together	together	ADV
ijtc-1014	112	2	,	,	PUNCT
ijtc-1014	112	3	these	these	DET
ijtc-1014	112	4	measures	measure	NOUN
ijtc-1014	112	5	provided	provide	VERB
ijtc-1014	112	6	a	a	DET
ijtc-1014	112	7	robust	robust	ADJ
ijtc-1014	112	8	framework	framework	NOUN
ijtc-1014	112	9	for	for	ADP
ijtc-1014	112	10	analyzing	analyze	VERB
ijtc-1014	112	11	the	the	DET
ijtc-1014	112	12	correlation	correlation	NOUN
ijtc-1014	112	13	between	between	ADP
ijtc-1014	112	14	university	university	NOUN
ijtc-1014	112	15	education	education	NOUN
ijtc-1014	112	16	and	and	CCONJ
ijtc-1014	112	17	career	career	NOUN
ijtc-1014	112	18	outcomes	outcome	NOUN
ijtc-1014	112	19	among	among	ADP
ijtc-1014	112	20	the	the	DET
ijtc-1014	112	21	alumni	alumnus	NOUN
ijtc-1014	112	22	.	.	PUNCT
ijtc-1014	113	1	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	ADJ
ijtc-1014	113	2	the	the	DET
ijtc-1014	113	3	impact	impact	NOUN
ijtc-1014	113	4	of	of	ADP
ijtc-1014	113	5	financial	financial	ADJ
ijtc-1014	113	6	literacy	literacy	NOUN
ijtc-1014	113	7	and	and	CCONJ
ijtc-1014	113	8	digital	digital	ADJ
ijtc-1014	113	9	awareness	awareness	NOUN
ijtc-1014	113	10	on	on	ADP
ijtc-1014	113	11	investment	investment	NOUN
ijtc-1014	113	12	intentions	intention	NOUN
ijtc-1014	113	13	karundeng	karundeng	PROPN
ijtc-1014	113	14	,	,	PUNCT
ijtc-1014	113	15	siagian	siagian	PROPN
ijtc-1014	113	16	,	,	PUNCT
ijtc-1014	113	17	hutabarat	hutabarat	PROPN
ijtc-1014	113	18	,	,	PUNCT
ijtc-1014	113	19	and	and	CCONJ
ijtc-1014	113	20	pangaribuan	pangaribuan	NOUN
ijtc-1014	113	21	287	287	NUM
ijtc-1014	113	22	|	|	ADV
ijtc-1014	113	23	ilomata	ilomata	PROPN
ijtc-1014	113	24	international	international	ADJ
ijtc-1014	113	25	journal	journal	NOUN
ijtc-1014	113	26	of	of	ADP
ijtc-1014	113	27	tax	tax	PROPN
ijtc-1014	113	28	&	&	CCONJ
ijtc-1014	113	29	accounting	accounting	PROPN
ijtc-1014	113	30	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	PROPN
ijtc-1014	113	31	result	result	NOUN
ijtc-1014	113	32	and	and	CCONJ
ijtc-1014	113	33	discussion	discussion	NOUN
ijtc-1014	113	34	t	t	NOUN
ijtc-1014	113	35	-	-	PUNCT
ijtc-1014	113	36	test	test	NOUN
ijtc-1014	113	37	table	table	NOUN
ijtc-1014	113	38	2	2	NUM
ijtc-1014	113	39	.	.	PUNCT
ijtc-1014	114	1	coefficientsa	coefficientsa	NOUN
ijtc-1014	114	2	model	model	VERB
ijtc-1014	114	3	unstandardized	unstandardized	ADJ
ijtc-1014	114	4	coefficients	coefficient	NOUN
ijtc-1014	114	5	standardized	standardize	VERB
ijtc-1014	114	6	coefficients	coefficient	NOUN
ijtc-1014	114	7	t	t	PROPN
ijtc-1014	114	8	sig	sig	PROPN
ijtc-1014	114	9	.	.	PUNCT
ijtc-1014	115	1	b	b	X
ijtc-1014	115	2	std	std	PROPN
ijtc-1014	115	3	.	.	NOUN
ijtc-1014	115	4	error	error	NOUN
ijtc-1014	115	5	beta	beta	NOUN
ijtc-1014	115	6	1	1	NUM
ijtc-1014	115	7	(	(	PUNCT
ijtc-1014	115	8	constant	constant	ADJ
ijtc-1014	115	9	)	)	PUNCT
ijtc-1014	115	10	.238	.238	NUM
ijtc-1014	115	11	.118	.118	NUM
ijtc-1014	116	1	2.010	2.010	NUM
ijtc-1014	116	2	.046	.046	NUM
ijtc-1014	116	3	financial	financial	ADJ
ijtc-1014	116	4	literacy	literacy	NOUN
ijtc-1014	116	5	.046	.046	NUM
ijtc-1014	116	6	.046	.046	NUM
ijtc-1014	116	7	.066	.066	NUM
ijtc-1014	116	8	1.017	1.017	NUM
ijtc-1014	116	9	.310	.310	NUM
ijtc-1014	116	10	digital	digital	ADJ
ijtc-1014	116	11	awareness	awareness	NOUN
ijtc-1014	116	12	.263	.263	NUM
ijtc-1014	116	13	.103	.103	NUM
ijtc-1014	116	14	.165	.165	NUM
ijtc-1014	116	15	2.556	2.556	NUM
ijtc-1014	116	16	.011	.011	NUM
ijtc-1014	116	17	a.	a.	NOUN
ijtc-1014	116	18	dependent	dependent	ADJ
ijtc-1014	116	19	variable	variable	NOUN
ijtc-1014	116	20	:	:	PUNCT
ijtc-1014	116	21	investment	investment	NOUN
ijtc-1014	116	22	intention	intention	NOUN
ijtc-1014	116	23	the	the	DET
ijtc-1014	116	24	coefficients	coefficient	NOUN
ijtc-1014	116	25	table	table	NOUN
ijtc-1014	116	26	shows	show	VERB
ijtc-1014	116	27	the	the	DET
ijtc-1014	116	28	direction	direction	NOUN
ijtc-1014	116	29	of	of	ADP
ijtc-1014	116	30	the	the	DET
ijtc-1014	116	31	relationship	relationship	NOUN
ijtc-1014	116	32	and	and	CCONJ
ijtc-1014	116	33	the	the	DET
ijtc-1014	116	34	significance	significance	NOUN
ijtc-1014	116	35	of	of	ADP
ijtc-1014	116	36	the	the	DET
ijtc-1014	116	37	relationship	relationship	NOUN
ijtc-1014	116	38	between	between	ADP
ijtc-1014	116	39	the	the	DET
ijtc-1014	116	40	variables	variable	NOUN
ijtc-1014	116	41	studied	study	VERB
ijtc-1014	116	42	.	.	PUNCT
ijtc-1014	117	1	the	the	DET
ijtc-1014	117	2	table	table	NOUN
ijtc-1014	117	3	shows	show	VERB
ijtc-1014	117	4	that	that	SCONJ
ijtc-1014	117	5	even	even	ADV
ijtc-1014	117	6	though	though	SCONJ
ijtc-1014	117	7	there	there	PRON
ijtc-1014	117	8	is	be	VERB
ijtc-1014	117	9	no	no	DET
ijtc-1014	117	10	significant	significant	ADJ
ijtc-1014	117	11	influence	influence	NOUN
ijtc-1014	117	12	of	of	ADP
ijtc-1014	117	13	financial	financial	ADJ
ijtc-1014	117	14	literacy	literacy	NOUN
ijtc-1014	117	15	on	on	ADP
ijtc-1014	117	16	investment	investment	NOUN
ijtc-1014	117	17	intentions	intention	NOUN
ijtc-1014	117	18	(	(	PUNCT
ijtc-1014	117	19	the	the	DET
ijtc-1014	117	20	b	b	PROPN
ijtc-1014	117	21	value	value	NOUN
ijtc-1014	117	22	is	be	AUX
ijtc-1014	117	23	positive	positive	ADJ
ijtc-1014	117	24	0.046	0.046	NUM
ijtc-1014	117	25	)	)	PUNCT
ijtc-1014	117	26	,	,	PUNCT
ijtc-1014	117	27	the	the	DET
ijtc-1014	117	28	two	two	NUM
ijtc-1014	117	29	variables	variable	NOUN
ijtc-1014	117	30	have	have	VERB
ijtc-1014	117	31	a	a	DET
ijtc-1014	117	32	positive	positive	ADJ
ijtc-1014	117	33	relationship	relationship	NOUN
ijtc-1014	117	34	,	,	PUNCT
ijtc-1014	117	35	which	which	PRON
ijtc-1014	117	36	means	mean	VERB
ijtc-1014	117	37	that	that	SCONJ
ijtc-1014	117	38	the	the	DET
ijtc-1014	117	39	respondent	respondent	NOUN
ijtc-1014	117	40	's	's	PART
ijtc-1014	117	41	perception	perception	NOUN
ijtc-1014	117	42	shows	show	VERB
ijtc-1014	117	43	that	that	SCONJ
ijtc-1014	117	44	a	a	DET
ijtc-1014	117	45	good	good	ADJ
ijtc-1014	117	46	understanding	understanding	NOUN
ijtc-1014	117	47	of	of	ADP
ijtc-1014	117	48	financial	financial	ADJ
ijtc-1014	117	49	literacy	literacy	NOUN
ijtc-1014	117	50	will	will	AUX
ijtc-1014	117	51	be	be	AUX
ijtc-1014	117	52	able	able	ADJ
ijtc-1014	117	53	to	to	PART
ijtc-1014	117	54	increase	increase	VERB
ijtc-1014	117	55	good	good	ADJ
ijtc-1014	117	56	investment	investment	NOUN
ijtc-1014	117	57	intentions	intention	NOUN
ijtc-1014	117	58	as	as	ADV
ijtc-1014	117	59	well	well	ADV
ijtc-1014	117	60	(	(	PUNCT
ijtc-1014	117	61	significance	significance	NOUN
ijtc-1014	117	62	level	level	NOUN
ijtc-1014	117	63	of	of	ADP
ijtc-1014	117	64	0.310	0.310	NUM
ijtc-1014	117	65	)	)	PUNCT
ijtc-1014	117	66	.	.	PUNCT
ijtc-1014	118	1	this	this	DET
ijtc-1014	118	2	finding	find	VERB
ijtc-1014	118	3	backs	back	VERB
ijtc-1014	118	4	up	up	ADP
ijtc-1014	118	5	what	what	PRON
ijtc-1014	118	6	pitthan	pitthan	ADJ
ijtc-1014	118	7	and	and	CCONJ
ijtc-1014	118	8	de	de	X
ijtc-1014	118	9	witte	witte	NOUN
ijtc-1014	118	10	(	(	PUNCT
ijtc-1014	118	11	2021	2021	NUM
ijtc-1014	118	12	)	)	PUNCT
ijtc-1014	118	13	said	say	VERB
ijtc-1014	118	14	about	about	ADP
ijtc-1014	118	15	how	how	SCONJ
ijtc-1014	118	16	people	people	NOUN
ijtc-1014	118	17	who	who	PRON
ijtc-1014	118	18	do	do	AUX
ijtc-1014	118	19	not	not	PART
ijtc-1014	118	20	know	know	VERB
ijtc-1014	118	21	much	much	ADJ
ijtc-1014	118	22	about	about	ADP
ijtc-1014	118	23	money	money	NOUN
ijtc-1014	118	24	tend	tend	VERB
ijtc-1014	118	25	to	to	PART
ijtc-1014	118	26	use	use	VERB
ijtc-1014	118	27	expensive	expensive	ADJ
ijtc-1014	118	28	and	and	CCONJ
ijtc-1014	118	29	risky	risky	ADJ
ijtc-1014	118	30	ways	way	NOUN
ijtc-1014	118	31	to	to	PART
ijtc-1014	118	32	make	make	VERB
ijtc-1014	118	33	money	money	NOUN
ijtc-1014	118	34	.	.	PUNCT
ijtc-1014	119	1	financial	financial	ADJ
ijtc-1014	119	2	knowledge	knowledge	NOUN
ijtc-1014	119	3	is	be	AUX
ijtc-1014	119	4	believed	believe	VERB
ijtc-1014	119	5	to	to	PART
ijtc-1014	119	6	lead	lead	VERB
ijtc-1014	119	7	to	to	ADP
ijtc-1014	119	8	better	well	ADJ
ijtc-1014	119	9	long	long	ADJ
ijtc-1014	119	10	-	-	PUNCT
ijtc-1014	119	11	term	term	NOUN
ijtc-1014	119	12	financial	financial	ADJ
ijtc-1014	119	13	health	health	NOUN
ijtc-1014	119	14	and	and	CCONJ
ijtc-1014	119	15	helps	help	VERB
ijtc-1014	119	16	people	people	NOUN
ijtc-1014	119	17	make	make	VERB
ijtc-1014	119	18	better	well	ADJ
ijtc-1014	119	19	decisions	decision	NOUN
ijtc-1014	119	20	when	when	SCONJ
ijtc-1014	119	21	managing	manage	VERB
ijtc-1014	119	22	their	their	PRON
ijtc-1014	119	23	money	money	NOUN
ijtc-1014	119	24	.	.	PUNCT
ijtc-1014	120	1	furthermore	furthermore	ADV
ijtc-1014	120	2	,	,	PUNCT
ijtc-1014	120	3	it	it	PRON
ijtc-1014	120	4	was	be	AUX
ijtc-1014	120	5	found	find	VERB
ijtc-1014	120	6	that	that	SCONJ
ijtc-1014	120	7	digital	digital	ADJ
ijtc-1014	120	8	awareness	awareness	NOUN
ijtc-1014	120	9	had	have	VERB
ijtc-1014	120	10	a	a	DET
ijtc-1014	120	11	positive	positive	ADJ
ijtc-1014	120	12	relationship	relationship	NOUN
ijtc-1014	120	13	(	(	PUNCT
ijtc-1014	120	14	b	b	X
ijtc-1014	120	15	value	value	NOUN
ijtc-1014	120	16	was	be	AUX
ijtc-1014	120	17	positive	positive	ADJ
ijtc-1014	120	18	0.263	0.263	NUM
ijtc-1014	120	19	)	)	PUNCT
ijtc-1014	120	20	and	and	CCONJ
ijtc-1014	120	21	had	have	VERB
ijtc-1014	120	22	a	a	DET
ijtc-1014	120	23	significant	significant	ADJ
ijtc-1014	120	24	effect	effect	NOUN
ijtc-1014	120	25	(	(	PUNCT
ijtc-1014	120	26	significance	significance	NOUN
ijtc-1014	120	27	level	level	NOUN
ijtc-1014	120	28	of	of	ADP
ijtc-1014	120	29	0.011	0.011	NUM
ijtc-1014	120	30	)	)	PUNCT
ijtc-1014	120	31	on	on	ADP
ijtc-1014	120	32	investment	investment	NOUN
ijtc-1014	120	33	intentions	intention	NOUN
ijtc-1014	120	34	.	.	PUNCT
ijtc-1014	121	1	respondents	respondent	NOUN
ijtc-1014	121	2	believe	believe	VERB
ijtc-1014	121	3	that	that	SCONJ
ijtc-1014	121	4	digital	digital	ADJ
ijtc-1014	121	5	awareness	awareness	NOUN
ijtc-1014	121	6	from	from	ADP
ijtc-1014	121	7	now	now	ADV
ijtc-1014	121	8	on	on	ADV
ijtc-1014	121	9	and	and	CCONJ
ijtc-1014	121	10	in	in	ADP
ijtc-1014	121	11	the	the	DET
ijtc-1014	121	12	future	future	NOUN
ijtc-1014	121	13	will	will	AUX
ijtc-1014	121	14	be	be	AUX
ijtc-1014	121	15	beneficial	beneficial	ADJ
ijtc-1014	121	16	or	or	CCONJ
ijtc-1014	121	17	can	can	AUX
ijtc-1014	121	18	significantly	significantly	ADV
ijtc-1014	121	19	help	help	VERB
ijtc-1014	121	20	make	make	VERB
ijtc-1014	121	21	sound	sound	ADJ
ijtc-1014	121	22	investment	investment	NOUN
ijtc-1014	121	23	intentions	intention	NOUN
ijtc-1014	121	24	.	.	PUNCT
ijtc-1014	122	1	previous	previous	ADJ
ijtc-1014	122	2	research	research	NOUN
ijtc-1014	122	3	has	have	AUX
ijtc-1014	122	4	also	also	ADV
ijtc-1014	122	5	shown	show	VERB
ijtc-1014	122	6	that	that	SCONJ
ijtc-1014	122	7	understanding	understand	VERB
ijtc-1014	122	8	new	new	ADJ
ijtc-1014	122	9	features	feature	NOUN
ijtc-1014	122	10	and	and	CCONJ
ijtc-1014	122	11	how	how	SCONJ
ijtc-1014	122	12	to	to	PART
ijtc-1014	122	13	use	use	VERB
ijtc-1014	122	14	digital	digital	ADJ
ijtc-1014	122	15	technology	technology	NOUN
ijtc-1014	122	16	will	will	AUX
ijtc-1014	122	17	help	help	VERB
ijtc-1014	122	18	someone	someone	PRON
ijtc-1014	122	19	come	come	VERB
ijtc-1014	122	20	up	up	ADP
ijtc-1014	122	21	with	with	ADP
ijtc-1014	122	22	new	new	ADJ
ijtc-1014	122	23	ideas	idea	NOUN
ijtc-1014	122	24	,	,	PUNCT
ijtc-1014	122	25	even	even	ADV
ijtc-1014	122	26	when	when	SCONJ
ijtc-1014	122	27	making	make	VERB
ijtc-1014	122	28	business	business	NOUN
ijtc-1014	122	29	decisions	decision	NOUN
ijtc-1014	122	30	.	.	PUNCT
ijtc-1014	123	1	f	f	X
ijtc-1014	123	2	-	-	PUNCT
ijtc-1014	123	3	test	test	NOUN
ijtc-1014	123	4	table	table	NOUN
ijtc-1014	123	5	3	3	PROPN
ijtc-1014	123	6	.	.	PUNCT
ijtc-1014	123	7	anovaa	anovaa	PROPN
ijtc-1014	123	8	model	model	PROPN
ijtc-1014	123	9	sum	sum	PROPN
ijtc-1014	123	10	of	of	ADP
ijtc-1014	123	11	squares	square	NOUN
ijtc-1014	124	1	df	df	PROPN
ijtc-1014	124	2	mean	mean	PROPN
ijtc-1014	124	3	square	square	PROPN
ijtc-1014	124	4	f	f	PROPN
ijtc-1014	124	5	sig	sig	PROPN
ijtc-1014	124	6	.	.	PROPN
ijtc-1014	124	7	1	1	NUM
ijtc-1014	124	8	regression	regression	VERB
ijtc-1014	124	9	1.970	1.970	NUM
ijtc-1014	124	10	2	2	NUM
ijtc-1014	124	11	.985	.985	NUM
ijtc-1014	124	12	4.067	4.067	NUM
ijtc-1014	124	13	.018b	.018b	PROPN
ijtc-1014	124	14	residual	residual	ADJ
ijtc-1014	124	15	56.925	56.925	NUM
ijtc-1014	124	16	235	235	NUM
ijtc-1014	124	17	.242	.242	NUM
ijtc-1014	124	18	total	total	NOUN
ijtc-1014	124	19	58.895	58.895	NUM
ijtc-1014	124	20	237	237	NUM
ijtc-1014	124	21	a.	a.	NOUN
ijtc-1014	124	22	dependent	dependent	ADJ
ijtc-1014	124	23	variable	variable	NOUN
ijtc-1014	124	24	:	:	PUNCT
ijtc-1014	124	25	investment	investment	NOUN
ijtc-1014	124	26	intention	intention	NOUN
ijtc-1014	124	27	b.	b.	PROPN
ijtc-1014	124	28	predictors	predictor	NOUN
ijtc-1014	124	29	:	:	PUNCT
ijtc-1014	124	30	(	(	PUNCT
ijtc-1014	124	31	constant	constant	ADJ
ijtc-1014	124	32	)	)	PUNCT
ijtc-1014	124	33	,	,	PUNCT
ijtc-1014	124	34	digital	digital	ADJ
ijtc-1014	124	35	awareness	awareness	NOUN
ijtc-1014	124	36	,	,	PUNCT
ijtc-1014	124	37	financial	financial	ADJ
ijtc-1014	124	38	literacy	literacy	NOUN
ijtc-1014	124	39	the	the	DET
ijtc-1014	124	40	anova	anova	PROPN
ijtc-1014	124	41	table	table	NOUN
ijtc-1014	124	42	has	have	AUX
ijtc-1014	124	43	explained	explain	VERB
ijtc-1014	124	44	the	the	DET
ijtc-1014	124	45	simultaneous	simultaneous	ADJ
ijtc-1014	124	46	influence	influence	NOUN
ijtc-1014	124	47	of	of	ADP
ijtc-1014	124	48	financial	financial	ADJ
ijtc-1014	124	49	literacy	literacy	NOUN
ijtc-1014	124	50	and	and	CCONJ
ijtc-1014	124	51	digital	digital	ADJ
ijtc-1014	124	52	awareness	awareness	NOUN
ijtc-1014	124	53	variables	variable	NOUN
ijtc-1014	124	54	on	on	ADP
ijtc-1014	124	55	investment	investment	NOUN
ijtc-1014	124	56	intentions	intention	NOUN
ijtc-1014	124	57	,	,	PUNCT
ijtc-1014	124	58	with	with	ADP
ijtc-1014	124	59	a	a	DET
ijtc-1014	124	60	magnitude	magnitude	NOUN
ijtc-1014	124	61	of	of	ADP
ijtc-1014	124	62	0.018	0.018	NUM
ijtc-1014	124	63	;	;	PUNCT
ijtc-1014	124	64	this	this	PRON
ijtc-1014	124	65	shows	show	VERB
ijtc-1014	124	66	that	that	SCONJ
ijtc-1014	124	67	the	the	DET
ijtc-1014	124	68	model	model	NOUN
ijtc-1014	124	69	formed	form	VERB
ijtc-1014	124	70	in	in	ADP
ijtc-1014	124	71	this	this	DET
ijtc-1014	124	72	research	research	NOUN
ijtc-1014	124	73	is	be	AUX
ijtc-1014	124	74	excellent	excellent	ADJ
ijtc-1014	124	75	.	.	PUNCT
ijtc-1014	125	1	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	ADJ
ijtc-1014	125	2	the	the	DET
ijtc-1014	125	3	impact	impact	NOUN
ijtc-1014	125	4	of	of	ADP
ijtc-1014	125	5	financial	financial	ADJ
ijtc-1014	125	6	literacy	literacy	NOUN
ijtc-1014	125	7	and	and	CCONJ
ijtc-1014	125	8	digital	digital	ADJ
ijtc-1014	125	9	awareness	awareness	NOUN
ijtc-1014	125	10	on	on	ADP
ijtc-1014	125	11	investment	investment	NOUN
ijtc-1014	125	12	intentions	intention	NOUN
ijtc-1014	125	13	karundeng	karundeng	PROPN
ijtc-1014	125	14	,	,	PUNCT
ijtc-1014	125	15	siagian	siagian	PROPN
ijtc-1014	125	16	,	,	PUNCT
ijtc-1014	125	17	hutabarat	hutabarat	PROPN
ijtc-1014	125	18	,	,	PUNCT
ijtc-1014	125	19	and	and	CCONJ
ijtc-1014	125	20	pangaribuan	pangaribuan	VERB
ijtc-1014	125	21	288	288	NUM
ijtc-1014	125	22	|	|	ADV
ijtc-1014	125	23	ilomata	ilomata	PROPN
ijtc-1014	125	24	international	international	ADJ
ijtc-1014	125	25	journal	journal	NOUN
ijtc-1014	125	26	of	of	ADP
ijtc-1014	125	27	tax	tax	PROPN
ijtc-1014	125	28	&	&	CCONJ
ijtc-1014	125	29	accounting	account	VERB
ijtc-1014	125	30	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	PROPN
ijtc-1014	125	31	coefficient	coefficient	ADJ
ijtc-1014	125	32	determination	determination	NOUN
ijtc-1014	125	33	table	table	NOUN
ijtc-1014	125	34	4	4	NUM
ijtc-1014	125	35	.	.	PUNCT
ijtc-1014	125	36	model	model	NOUN
ijtc-1014	125	37	summary	summary	NOUN
ijtc-1014	125	38	model	model	NOUN
ijtc-1014	125	39	r	r	PROPN
ijtc-1014	125	40	r	r	NOUN
ijtc-1014	125	41	square	square	ADJ
ijtc-1014	125	42	adjusted	adjust	VERB
ijtc-1014	125	43	r	r	NOUN
ijtc-1014	125	44	square	square	ADJ
ijtc-1014	125	45	std	std	NOUN
ijtc-1014	125	46	.	.	PUNCT
ijtc-1014	126	1	error	error	NOUN
ijtc-1014	126	2	of	of	ADP
ijtc-1014	126	3	the	the	DET
ijtc-1014	126	4	estimate	estimate	NOUN
ijtc-1014	126	5	1	1	NUM
ijtc-1014	126	6	.183a	.183a	PROPN
ijtc-1014	126	7	.033	.033	NUM
ijtc-1014	126	8	.025	.025	NUM
ijtc-1014	126	9	.49217	.49217	PROPN
ijtc-1014	126	10	a.	a.	NOUN
ijtc-1014	126	11	predictors	predictor	NOUN
ijtc-1014	126	12	:	:	PUNCT
ijtc-1014	126	13	(	(	PUNCT
ijtc-1014	126	14	constant	constant	ADJ
ijtc-1014	126	15	)	)	PUNCT
ijtc-1014	126	16	,	,	PUNCT
ijtc-1014	126	17	digital	digital	ADJ
ijtc-1014	126	18	awareness	awareness	NOUN
ijtc-1014	126	19	,	,	PUNCT
ijtc-1014	126	20	financial	financial	ADJ
ijtc-1014	126	21	literacy	literacy	NOUN
ijtc-1014	126	22	the	the	DET
ijtc-1014	126	23	model	model	NOUN
ijtc-1014	126	24	summary	summary	NOUN
ijtc-1014	126	25	table	table	NOUN
ijtc-1014	126	26	shows	show	VERB
ijtc-1014	126	27	an	an	DET
ijtc-1014	126	28	r	r	NOUN
ijtc-1014	126	29	-	-	PUNCT
ijtc-1014	126	30	value	value	NOUN
ijtc-1014	126	31	of	of	ADP
ijtc-1014	126	32	0.183	0.183	NUM
ijtc-1014	126	33	or	or	CCONJ
ijtc-1014	126	34	an	an	DET
ijtc-1014	126	35	r	r	NOUN
ijtc-1014	126	36	square	square	NOUN
ijtc-1014	126	37	of	of	ADP
ijtc-1014	126	38	0.033	0.033	NUM
ijtc-1014	126	39	.	.	PUNCT
ijtc-1014	127	1	this	this	DET
ijtc-1014	127	2	finding	finding	NOUN
ijtc-1014	127	3	shows	show	VERB
ijtc-1014	127	4	that	that	SCONJ
ijtc-1014	127	5	the	the	DET
ijtc-1014	127	6	contribution	contribution	NOUN
ijtc-1014	127	7	of	of	ADP
ijtc-1014	127	8	the	the	DET
ijtc-1014	127	9	financial	financial	ADJ
ijtc-1014	127	10	literacy	literacy	NOUN
ijtc-1014	127	11	and	and	CCONJ
ijtc-1014	127	12	digital	digital	ADJ
ijtc-1014	127	13	awareness	awareness	NOUN
ijtc-1014	127	14	variables	variable	NOUN
ijtc-1014	127	15	to	to	ADP
ijtc-1014	127	16	investment	investment	NOUN
ijtc-1014	127	17	intention	intention	NOUN
ijtc-1014	127	18	is	be	AUX
ijtc-1014	127	19	relatively	relatively	ADV
ijtc-1014	127	20	low	low	ADJ
ijtc-1014	127	21	,	,	PUNCT
ijtc-1014	127	22	even	even	ADV
ijtc-1014	127	23	though	though	SCONJ
ijtc-1014	127	24	the	the	DET
ijtc-1014	127	25	model	model	NOUN
ijtc-1014	127	26	has	have	AUX
ijtc-1014	127	27	been	be	AUX
ijtc-1014	127	28	formed	form	VERB
ijtc-1014	127	29	from	from	ADP
ijtc-1014	127	30	the	the	DET
ijtc-1014	127	31	anova	anova	PROPN
ijtc-1014	127	32	results	result	NOUN
ijtc-1014	127	33	with	with	ADP
ijtc-1014	127	34	a	a	DET
ijtc-1014	127	35	significance	significance	NOUN
ijtc-1014	127	36	level	level	NOUN
ijtc-1014	127	37	of	of	ADP
ijtc-1014	127	38	0.018	0.018	NUM
ijtc-1014	127	39	.	.	PUNCT
ijtc-1014	128	1	this	this	DET
ijtc-1014	128	2	finding	finding	NOUN
ijtc-1014	128	3	provides	provide	VERB
ijtc-1014	128	4	input	input	NOUN
ijtc-1014	128	5	for	for	ADP
ijtc-1014	128	6	further	further	ADJ
ijtc-1014	128	7	research	research	NOUN
ijtc-1014	128	8	to	to	PART
ijtc-1014	128	9	find	find	VERB
ijtc-1014	128	10	other	other	ADJ
ijtc-1014	128	11	variables	variable	NOUN
ijtc-1014	128	12	influencing	influence	VERB
ijtc-1014	128	13	investment	investment	NOUN
ijtc-1014	128	14	intention	intention	NOUN
ijtc-1014	128	15	.	.	PUNCT
ijtc-1014	129	1	conclusion	conclusion	NOUN
ijtc-1014	129	2	based	base	VERB
ijtc-1014	129	3	on	on	ADP
ijtc-1014	129	4	the	the	DET
ijtc-1014	129	5	data	datum	NOUN
ijtc-1014	129	6	analysis	analysis	NOUN
ijtc-1014	129	7	and	and	CCONJ
ijtc-1014	129	8	discussions	discussion	NOUN
ijtc-1014	129	9	that	that	PRON
ijtc-1014	129	10	have	have	AUX
ijtc-1014	129	11	been	be	AUX
ijtc-1014	129	12	carried	carry	VERB
ijtc-1014	129	13	out	out	ADP
ijtc-1014	129	14	,	,	PUNCT
ijtc-1014	129	15	the	the	DET
ijtc-1014	129	16	following	follow	VERB
ijtc-1014	129	17	conclusions	conclusion	NOUN
ijtc-1014	129	18	are	be	AUX
ijtc-1014	129	19	obtained	obtain	VERB
ijtc-1014	129	20	:	:	PUNCT
ijtc-1014	129	21	financial	financial	ADJ
ijtc-1014	129	22	literacy	literacy	NOUN
ijtc-1014	129	23	:	:	PUNCT
ijtc-1014	129	24	there	there	PRON
ijtc-1014	129	25	is	be	VERB
ijtc-1014	129	26	a	a	DET
ijtc-1014	129	27	positive	positive	ADJ
ijtc-1014	129	28	relationship	relationship	NOUN
ijtc-1014	129	29	between	between	ADP
ijtc-1014	129	30	financial	financial	ADJ
ijtc-1014	129	31	literacy	literacy	NOUN
ijtc-1014	129	32	and	and	CCONJ
ijtc-1014	129	33	investment	investment	NOUN
ijtc-1014	129	34	intentions	intention	NOUN
ijtc-1014	129	35	,	,	PUNCT
ijtc-1014	129	36	though	though	SCONJ
ijtc-1014	129	37	there	there	PRON
ijtc-1014	129	38	is	be	VERB
ijtc-1014	129	39	no	no	DET
ijtc-1014	129	40	significant	significant	ADJ
ijtc-1014	129	41	effect	effect	NOUN
ijtc-1014	129	42	.	.	PUNCT
ijtc-1014	130	1	this	this	PRON
ijtc-1014	130	2	means	mean	VERB
ijtc-1014	130	3	that	that	SCONJ
ijtc-1014	130	4	the	the	PRON
ijtc-1014	130	5	higher	high	ADJ
ijtc-1014	130	6	a	a	DET
ijtc-1014	130	7	person	person	NOUN
ijtc-1014	130	8	's	's	PART
ijtc-1014	130	9	level	level	NOUN
ijtc-1014	130	10	of	of	ADP
ijtc-1014	130	11	understanding	understanding	NOUN
ijtc-1014	130	12	of	of	ADP
ijtc-1014	130	13	financial	financial	ADJ
ijtc-1014	130	14	principles	principle	NOUN
ijtc-1014	130	15	,	,	PUNCT
ijtc-1014	130	16	ability	ability	NOUN
ijtc-1014	130	17	to	to	PART
ijtc-1014	130	18	manage	manage	VERB
ijtc-1014	130	19	finances	finance	NOUN
ijtc-1014	130	20	,	,	PUNCT
ijtc-1014	130	21	and	and	CCONJ
ijtc-1014	130	22	knowledge	knowledge	NOUN
ijtc-1014	130	23	of	of	ADP
ijtc-1014	130	24	investment	investment	NOUN
ijtc-1014	130	25	products	product	NOUN
ijtc-1014	130	26	,	,	PUNCT
ijtc-1014	130	27	does	do	AUX
ijtc-1014	130	28	n't	not	PART
ijtc-1014	130	29	really	really	ADV
ijtc-1014	130	30	contribute	contribute	VERB
ijtc-1014	130	31	to	to	ADP
ijtc-1014	130	32	their	their	PRON
ijtc-1014	130	33	intention	intention	NOUN
ijtc-1014	130	34	to	to	PART
ijtc-1014	130	35	invest	invest	VERB
ijtc-1014	130	36	.	.	PUNCT
ijtc-1014	131	1	this	this	PRON
ijtc-1014	131	2	shows	show	VERB
ijtc-1014	131	3	the	the	DET
ijtc-1014	131	4	importance	importance	NOUN
ijtc-1014	131	5	of	of	ADP
ijtc-1014	131	6	financial	financial	ADJ
ijtc-1014	131	7	education	education	NOUN
ijtc-1014	131	8	for	for	ADP
ijtc-1014	131	9	the	the	DET
ijtc-1014	131	10	public	public	NOUN
ijtc-1014	131	11	to	to	PART
ijtc-1014	131	12	increase	increase	VERB
ijtc-1014	131	13	participation	participation	NOUN
ijtc-1014	131	14	in	in	ADP
ijtc-1014	131	15	investment	investment	NOUN
ijtc-1014	131	16	.	.	PUNCT
ijtc-1014	132	1	digital	digital	ADJ
ijtc-1014	132	2	awareness	awareness	NOUN
ijtc-1014	132	3	:	:	PUNCT
ijtc-1014	132	4	digital	digital	ADJ
ijtc-1014	132	5	awareness	awareness	NOUN
ijtc-1014	132	6	shows	show	VERB
ijtc-1014	132	7	a	a	DET
ijtc-1014	132	8	positive	positive	ADJ
ijtc-1014	132	9	and	and	CCONJ
ijtc-1014	132	10	significant	significant	ADJ
ijtc-1014	132	11	relationship	relationship	NOUN
ijtc-1014	132	12	with	with	ADP
ijtc-1014	132	13	investment	investment	NOUN
ijtc-1014	132	14	intentions	intention	NOUN
ijtc-1014	132	15	.	.	PUNCT
ijtc-1014	133	1	individuals	individual	NOUN
ijtc-1014	133	2	who	who	PRON
ijtc-1014	133	3	have	have	VERB
ijtc-1014	133	4	a	a	DET
ijtc-1014	133	5	good	good	ADJ
ijtc-1014	133	6	understanding	understanding	NOUN
ijtc-1014	133	7	of	of	ADP
ijtc-1014	133	8	digital	digital	ADJ
ijtc-1014	133	9	technology	technology	NOUN
ijtc-1014	133	10	,	,	PUNCT
ijtc-1014	133	11	including	include	VERB
ijtc-1014	133	12	the	the	DET
ijtc-1014	133	13	risks	risk	NOUN
ijtc-1014	133	14	and	and	CCONJ
ijtc-1014	133	15	opportunities	opportunity	NOUN
ijtc-1014	133	16	that	that	PRON
ijtc-1014	133	17	exist	exist	VERB
ijtc-1014	133	18	in	in	ADP
ijtc-1014	133	19	the	the	DET
ijtc-1014	133	20	digital	digital	ADJ
ijtc-1014	133	21	world	world	NOUN
ijtc-1014	133	22	,	,	PUNCT
ijtc-1014	133	23	tend	tend	VERB
ijtc-1014	133	24	to	to	PART
ijtc-1014	133	25	be	be	AUX
ijtc-1014	133	26	more	more	ADV
ijtc-1014	133	27	confident	confident	ADJ
ijtc-1014	133	28	and	and	CCONJ
ijtc-1014	133	29	braver	braver	ADV
ijtc-1014	133	30	enough	enough	ADV
ijtc-1014	133	31	to	to	PART
ijtc-1014	133	32	invest	invest	VERB
ijtc-1014	133	33	through	through	ADP
ijtc-1014	133	34	digital	digital	ADJ
ijtc-1014	133	35	platforms	platform	NOUN
ijtc-1014	133	36	.	.	PUNCT
ijtc-1014	134	1	this	this	DET
ijtc-1014	134	2	awareness	awareness	NOUN
ijtc-1014	134	3	allows	allow	VERB
ijtc-1014	134	4	individuals	individual	NOUN
ijtc-1014	134	5	to	to	PART
ijtc-1014	134	6	utilize	utilize	VERB
ijtc-1014	134	7	technology	technology	NOUN
ijtc-1014	134	8	to	to	PART
ijtc-1014	134	9	make	make	VERB
ijtc-1014	134	10	informed	informed	ADJ
ijtc-1014	134	11	investment	investment	NOUN
ijtc-1014	134	12	decisions	decision	NOUN
ijtc-1014	134	13	.	.	PUNCT
ijtc-1014	135	1	in	in	ADP
ijtc-1014	135	2	the	the	DET
ijtc-1014	135	3	contemporary	contemporary	ADJ
ijtc-1014	135	4	context	context	NOUN
ijtc-1014	135	5	,	,	PUNCT
ijtc-1014	135	6	where	where	SCONJ
ijtc-1014	135	7	digital	digital	ADJ
ijtc-1014	135	8	technology	technology	NOUN
ijtc-1014	135	9	increasingly	increasingly	ADV
ijtc-1014	135	10	dominates	dominate	VERB
ijtc-1014	135	11	various	various	ADJ
ijtc-1014	135	12	aspects	aspect	NOUN
ijtc-1014	135	13	of	of	ADP
ijtc-1014	135	14	our	our	PRON
ijtc-1014	135	15	lives	life	NOUN
ijtc-1014	135	16	,	,	PUNCT
ijtc-1014	135	17	the	the	DET
ijtc-1014	135	18	combination	combination	NOUN
ijtc-1014	135	19	of	of	ADP
ijtc-1014	135	20	strong	strong	ADJ
ijtc-1014	135	21	financial	financial	ADJ
ijtc-1014	135	22	literacy	literacy	NOUN
ijtc-1014	135	23	and	and	CCONJ
ijtc-1014	135	24	digital	digital	ADJ
ijtc-1014	135	25	awareness	awareness	NOUN
ijtc-1014	135	26	is	be	AUX
ijtc-1014	135	27	key	key	ADJ
ijtc-1014	135	28	to	to	ADP
ijtc-1014	135	29	guiding	guide	VERB
ijtc-1014	135	30	individuals	individual	NOUN
ijtc-1014	135	31	in	in	ADP
ijtc-1014	135	32	making	make	VERB
ijtc-1014	135	33	informed	informed	ADJ
ijtc-1014	135	34	and	and	CCONJ
ijtc-1014	135	35	wise	wise	ADJ
ijtc-1014	135	36	investment	investment	NOUN
ijtc-1014	135	37	decisions	decision	NOUN
ijtc-1014	135	38	.	.	PUNCT
ijtc-1014	136	1	to	to	PART
ijtc-1014	136	2	increase	increase	VERB
ijtc-1014	136	3	investment	investment	NOUN
ijtc-1014	136	4	intentions	intention	NOUN
ijtc-1014	136	5	among	among	ADP
ijtc-1014	136	6	the	the	DET
ijtc-1014	136	7	public	public	ADJ
ijtc-1014	136	8	,	,	PUNCT
ijtc-1014	136	9	related	related	ADJ
ijtc-1014	136	10	parties	party	NOUN
ijtc-1014	136	11	such	such	ADJ
ijtc-1014	136	12	as	as	ADP
ijtc-1014	136	13	the	the	DET
ijtc-1014	136	14	government	government	NOUN
ijtc-1014	136	15	,	,	PUNCT
ijtc-1014	136	16	financial	financial	ADJ
ijtc-1014	136	17	institutions	institution	NOUN
ijtc-1014	136	18	and	and	CCONJ
ijtc-1014	136	19	educational	educational	ADJ
ijtc-1014	136	20	organizations	organization	NOUN
ijtc-1014	136	21	should	should	AUX
ijtc-1014	136	22	focus	focus	VERB
ijtc-1014	136	23	their	their	PRON
ijtc-1014	136	24	efforts	effort	NOUN
ijtc-1014	136	25	on	on	ADP
ijtc-1014	136	26	increasing	increase	VERB
ijtc-1014	136	27	financial	financial	ADJ
ijtc-1014	136	28	literacy	literacy	NOUN
ijtc-1014	136	29	and	and	CCONJ
ijtc-1014	136	30	digital	digital	ADJ
ijtc-1014	136	31	awareness	awareness	NOUN
ijtc-1014	136	32	.	.	PUNCT
ijtc-1014	137	1	structured	structure	VERB
ijtc-1014	137	2	educational	educational	ADJ
ijtc-1014	137	3	programs	program	NOUN
ijtc-1014	137	4	and	and	CCONJ
ijtc-1014	137	5	information	information	NOUN
ijtc-1014	137	6	campaigns	campaign	NOUN
ijtc-1014	137	7	can	can	AUX
ijtc-1014	137	8	be	be	AUX
ijtc-1014	137	9	the	the	DET
ijtc-1014	137	10	first	first	ADJ
ijtc-1014	137	11	step	step	NOUN
ijtc-1014	137	12	in	in	ADP
ijtc-1014	137	13	encouraging	encourage	VERB
ijtc-1014	137	14	people	people	NOUN
ijtc-1014	137	15	to	to	PART
ijtc-1014	137	16	invest	invest	VERB
ijtc-1014	137	17	wisely	wisely	ADV
ijtc-1014	137	18	.	.	PUNCT
ijtc-1014	138	1	thus	thus	ADV
ijtc-1014	138	2	,	,	PUNCT
ijtc-1014	138	3	this	this	DET
ijtc-1014	138	4	research	research	NOUN
ijtc-1014	138	5	contributes	contribute	VERB
ijtc-1014	138	6	to	to	ADP
ijtc-1014	138	7	the	the	DET
ijtc-1014	138	8	financial	financial	ADJ
ijtc-1014	138	9	and	and	CCONJ
ijtc-1014	138	10	digital	digital	ADJ
ijtc-1014	138	11	literature	literature	NOUN
ijtc-1014	138	12	by	by	ADP
ijtc-1014	138	13	highlighting	highlight	VERB
ijtc-1014	138	14	the	the	DET
ijtc-1014	138	15	importance	importance	NOUN
ijtc-1014	138	16	of	of	ADP
ijtc-1014	138	17	financial	financial	ADJ
ijtc-1014	138	18	literacy	literacy	NOUN
ijtc-1014	138	19	and	and	CCONJ
ijtc-1014	138	20	digital	digital	ADJ
ijtc-1014	138	21	awareness	awareness	NOUN
ijtc-1014	138	22	as	as	ADP
ijtc-1014	138	23	supporting	support	VERB
ijtc-1014	138	24	factors	factor	NOUN
ijtc-1014	138	25	in	in	ADP
ijtc-1014	138	26	increasing	increase	VERB
ijtc-1014	138	27	investment	investment	NOUN
ijtc-1014	138	28	intentions	intention	NOUN
ijtc-1014	138	29	in	in	ADP
ijtc-1014	138	30	society	society	NOUN
ijtc-1014	138	31	.	.	PUNCT
ijtc-1014	139	1	along	along	ADP
ijtc-1014	139	2	with	with	ADP
ijtc-1014	139	3	technological	technological	ADJ
ijtc-1014	139	4	developments	development	NOUN
ijtc-1014	139	5	,	,	PUNCT
ijtc-1014	139	6	it	it	PRON
ijtc-1014	139	7	is	be	AUX
ijtc-1014	139	8	hoped	hope	VERB
ijtc-1014	139	9	that	that	SCONJ
ijtc-1014	139	10	society	society	NOUN
ijtc-1014	139	11	will	will	AUX
ijtc-1014	139	12	be	be	AUX
ijtc-1014	139	13	increasingly	increasingly	ADV
ijtc-1014	139	14	ready	ready	ADJ
ijtc-1014	139	15	to	to	PART
ijtc-1014	139	16	take	take	VERB
ijtc-1014	139	17	advantage	advantage	NOUN
ijtc-1014	139	18	of	of	ADP
ijtc-1014	139	19	investment	investment	NOUN
ijtc-1014	139	20	opportunities	opportunity	NOUN
ijtc-1014	139	21	with	with	ADP
ijtc-1014	139	22	full	full	ADJ
ijtc-1014	139	23	awareness	awareness	NOUN
ijtc-1014	139	24	and	and	CCONJ
ijtc-1014	139	25	policy(harfrank	policy(harfrank	PROPN
ijtc-1014	139	26	&	&	CCONJ
ijtc-1014	139	27	peschel	peschel	PROPN
ijtc-1014	139	28	,	,	PUNCT
ijtc-1014	139	29	2020	2020	NUM
ijtc-1014	139	30	)	)	PUNCT
ijtc-1014	139	31	.	.	PUNCT
ijtc-1014	140	1	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	ADV
ijtc-1014	140	2	the	the	DET
ijtc-1014	140	3	impact	impact	NOUN
ijtc-1014	140	4	of	of	ADP
ijtc-1014	140	5	financial	financial	ADJ
ijtc-1014	140	6	literacy	literacy	NOUN
ijtc-1014	140	7	and	and	CCONJ
ijtc-1014	140	8	digital	digital	ADJ
ijtc-1014	140	9	awareness	awareness	NOUN
ijtc-1014	140	10	on	on	ADP
ijtc-1014	140	11	investment	investment	NOUN
ijtc-1014	140	12	intentions	intention	NOUN
ijtc-1014	140	13	karundeng	karundeng	PROPN
ijtc-1014	140	14	,	,	PUNCT
ijtc-1014	140	15	siagian	siagian	PROPN
ijtc-1014	140	16	,	,	PUNCT
ijtc-1014	140	17	hutabarat	hutabarat	PROPN
ijtc-1014	140	18	,	,	PUNCT
ijtc-1014	140	19	and	and	CCONJ
ijtc-1014	140	20	pangaribuan	pangaribuan	NOUN
ijtc-1014	140	21	289	289	NUM
ijtc-1014	140	22	|	|	ADV
ijtc-1014	140	23	ilomata	ilomata	PROPN
ijtc-1014	140	24	international	international	ADJ
ijtc-1014	140	25	journal	journal	NOUN
ijtc-1014	140	26	of	of	ADP
ijtc-1014	140	27	tax	tax	PROPN
ijtc-1014	140	28	&	&	CCONJ
ijtc-1014	140	29	accounting	accounting	PROPN
ijtc-1014	140	30	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	PROPN
ijtc-1014	140	31	reference	reference	NOUN
ijtc-1014	140	32	akhtar	akhtar	NOUN
ijtc-1014	140	33	,	,	PUNCT
ijtc-1014	140	34	f.	f.	PROPN
ijtc-1014	140	35	,	,	PUNCT
ijtc-1014	140	36	&	&	CCONJ
ijtc-1014	140	37	das	das	PROPN
ijtc-1014	140	38	,	,	PUNCT
ijtc-1014	140	39	n.	n.	NOUN
ijtc-1014	140	40	(	(	PUNCT
ijtc-1014	140	41	2019	2019	NUM
ijtc-1014	140	42	)	)	PUNCT
ijtc-1014	140	43	.	.	PUNCT
ijtc-1014	141	1	predictors	predictor	NOUN
ijtc-1014	141	2	of	of	ADP
ijtc-1014	141	3	investment	investment	NOUN
ijtc-1014	141	4	intention	intention	NOUN
ijtc-1014	141	5	in	in	ADP
ijtc-1014	141	6	indian	indian	ADJ
ijtc-1014	141	7	stock	stock	NOUN
ijtc-1014	141	8	markets	market	NOUN
ijtc-1014	141	9	:	:	PUNCT
ijtc-1014	141	10	extending	extend	VERB
ijtc-1014	141	11	the	the	DET
ijtc-1014	141	12	theory	theory	NOUN
ijtc-1014	141	13	of	of	ADP
ijtc-1014	141	14	planned	plan	VERB
ijtc-1014	141	15	behaviour	behaviour	NOUN
ijtc-1014	141	16	.	.	PUNCT
ijtc-1014	142	1	international	international	ADJ
ijtc-1014	142	2	journal	journal	PROPN
ijtc-1014	142	3	of	of	ADP
ijtc-1014	142	4	bank	bank	PROPN
ijtc-1014	142	5	marketing	marketing	NOUN
ijtc-1014	142	6	,	,	PUNCT
ijtc-1014	142	7	37(1	37(1	NUM
ijtc-1014	142	8	)	)	PUNCT
ijtc-1014	142	9	,	,	PUNCT
ijtc-1014	142	10	97	97	NUM
ijtc-1014	142	11	–	–	SYM
ijtc-1014	142	12	119	119	NUM
ijtc-1014	142	13	.	.	PUNCT
ijtc-1014	143	1	aren	aren	PROPN
ijtc-1014	143	2	,	,	PUNCT
ijtc-1014	143	3	s.	s.	PROPN
ijtc-1014	143	4	,	,	PUNCT
ijtc-1014	143	5	&	&	CCONJ
ijtc-1014	143	6	hamamci	hamamci	PROPN
ijtc-1014	143	7	,	,	PUNCT
ijtc-1014	143	8	h.	h.	PROPN
ijtc-1014	143	9	n.	n.	PROPN
ijtc-1014	143	10	(	(	PUNCT
ijtc-1014	143	11	2020	2020	NUM
ijtc-1014	143	12	)	)	PUNCT
ijtc-1014	143	13	.	.	PUNCT
ijtc-1014	144	1	relationship	relationship	NOUN
ijtc-1014	144	2	between	between	ADP
ijtc-1014	144	3	risk	risk	NOUN
ijtc-1014	144	4	aversion	aversion	NOUN
ijtc-1014	144	5	,	,	PUNCT
ijtc-1014	144	6	risky	risky	ADJ
ijtc-1014	144	7	investment	investment	NOUN
ijtc-1014	144	8	intention	intention	NOUN
ijtc-1014	144	9	,	,	PUNCT
ijtc-1014	144	10	investment	investment	NOUN
ijtc-1014	144	11	choices	choice	NOUN
ijtc-1014	144	12	:	:	PUNCT
ijtc-1014	144	13	impact	impact	NOUN
ijtc-1014	144	14	of	of	ADP
ijtc-1014	144	15	personality	personality	NOUN
ijtc-1014	144	16	traits	trait	NOUN
ijtc-1014	144	17	and	and	CCONJ
ijtc-1014	144	18	emotion	emotion	NOUN
ijtc-1014	144	19	.	.	PUNCT
ijtc-1014	145	1	kybernetes	kybernete	NOUN
ijtc-1014	145	2	,	,	PUNCT
ijtc-1014	145	3	49(11	49(11	PROPN
ijtc-1014	145	4	)	)	PUNCT
ijtc-1014	145	5	,	,	PUNCT
ijtc-1014	145	6	2651–2682	2651–2682	NOUN
ijtc-1014	145	7	.	.	PUNCT
ijtc-1014	146	1	baweja	baweja	PROPN
ijtc-1014	146	2	,	,	PUNCT
ijtc-1014	146	3	p.	p.	PROPN
ijtc-1014	146	4	s.	s.	PROPN
ijtc-1014	146	5	s.	s.	PROPN
ijtc-1014	146	6	,	,	PUNCT
ijtc-1014	146	7	sangpetch	sangpetch	PROPN
ijtc-1014	146	8	,	,	PUNCT
ijtc-1014	146	9	o.	o.	PROPN
ijtc-1014	146	10	,	,	PUNCT
ijtc-1014	146	11	&	&	CCONJ
ijtc-1014	146	12	sangpetch	sangpetch	PROPN
ijtc-1014	146	13	,	,	PUNCT
ijtc-1014	146	14	a.	a.	NOUN
ijtc-1014	146	15	(	(	PUNCT
ijtc-1014	146	16	2023	2023	NUM
ijtc-1014	146	17	)	)	PUNCT
ijtc-1014	146	18	.	.	PUNCT
ijtc-1014	147	1	ai	ai	VERB
ijtc-1014	147	2	for	for	ADP
ijtc-1014	147	3	fraud	fraud	NOUN
ijtc-1014	147	4	awareness	awareness	NOUN
ijtc-1014	147	5	.	.	PUNCT
ijtc-1014	148	1	bayar	bayar	PROPN
ijtc-1014	148	2	,	,	PUNCT
ijtc-1014	148	3	y.	y.	PROPN
ijtc-1014	148	4	,	,	PUNCT
ijtc-1014	148	5	sezgin	sezgin	NOUN
ijtc-1014	148	6	,	,	PUNCT
ijtc-1014	148	7	h.	h.	PROPN
ijtc-1014	148	8	f.	f.	PROPN
ijtc-1014	148	9	,	,	PUNCT
ijtc-1014	148	10	öztürk	öztürk	PROPN
ijtc-1014	148	11	,	,	PUNCT
ijtc-1014	148	12	ö.	ö.	PROPN
ijtc-1014	148	13	f.	f.	PROPN
ijtc-1014	148	14	,	,	PUNCT
ijtc-1014	148	15	&	&	CCONJ
ijtc-1014	148	16	şaşmaz	şaşmaz	NOUN
ijtc-1014	148	17	,	,	PUNCT
ijtc-1014	148	18	m.	m.	NOUN
ijtc-1014	148	19	ü.	ü.	NOUN
ijtc-1014	148	20	(	(	PUNCT
ijtc-1014	148	21	2020	2020	NUM
ijtc-1014	148	22	)	)	PUNCT
ijtc-1014	148	23	.	.	PUNCT
ijtc-1014	149	1	financial	financial	ADJ
ijtc-1014	149	2	literacy	literacy	NOUN
ijtc-1014	149	3	and	and	CCONJ
ijtc-1014	149	4	financial	financial	ADJ
ijtc-1014	149	5	risk	risk	NOUN
ijtc-1014	149	6	tolerance	tolerance	NOUN
ijtc-1014	149	7	of	of	ADP
ijtc-1014	149	8	individual	individual	ADJ
ijtc-1014	149	9	investors	investor	NOUN
ijtc-1014	149	10	:	:	PUNCT
ijtc-1014	149	11	multinomial	multinomial	ADJ
ijtc-1014	149	12	logistic	logistic	ADJ
ijtc-1014	149	13	regression	regression	NOUN
ijtc-1014	149	14	approach	approach	NOUN
ijtc-1014	149	15	.	.	PUNCT
ijtc-1014	150	1	sage	sage	NOUN
ijtc-1014	150	2	open	open	ADJ
ijtc-1014	150	3	,	,	PUNCT
ijtc-1014	150	4	10(3	10(3	NUM
ijtc-1014	150	5	)	)	PUNCT
ijtc-1014	150	6	,	,	PUNCT
ijtc-1014	150	7	2158244020945717	2158244020945717	NUM
ijtc-1014	150	8	.	.	PUNCT
ijtc-1014	151	1	bellini	bellini	PROPN
ijtc-1014	151	2	,	,	PUNCT
ijtc-1014	151	3	s.	s.	PROPN
ijtc-1014	151	4	,	,	PUNCT
ijtc-1014	151	5	cardinali	cardinali	VERB
ijtc-1014	151	6	,	,	PUNCT
ijtc-1014	151	7	m.	m.	NOUN
ijtc-1014	151	8	g.	g.	PROPN
ijtc-1014	151	9	,	,	PUNCT
ijtc-1014	151	10	&	&	CCONJ
ijtc-1014	151	11	grandi	grandi	PROPN
ijtc-1014	151	12	,	,	PUNCT
ijtc-1014	151	13	b.	b.	PROPN
ijtc-1014	151	14	(	(	PUNCT
ijtc-1014	151	15	2016	2016	NUM
ijtc-1014	151	16	)	)	PUNCT
ijtc-1014	151	17	.	.	PUNCT
ijtc-1014	152	1	does	do	AUX
ijtc-1014	152	2	shopping	shopping	NOUN
ijtc-1014	152	3	preparation	preparation	NOUN
ijtc-1014	152	4	influence	influence	NOUN
ijtc-1014	152	5	consumer	consumer	NOUN
ijtc-1014	152	6	buying	buying	NOUN
ijtc-1014	152	7	decisions	decision	NOUN
ijtc-1014	152	8	.	.	PUNCT
ijtc-1014	153	1	international	international	ADJ
ijtc-1014	153	2	business	business	NOUN
ijtc-1014	153	3	research	research	NOUN
ijtc-1014	153	4	,	,	PUNCT
ijtc-1014	153	5	9(10	9(10	NUM
ijtc-1014	153	6	)	)	PUNCT
ijtc-1014	153	7	,	,	PUNCT
ijtc-1014	153	8	201	201	NUM
ijtc-1014	153	9	.	.	PUNCT
ijtc-1014	154	1	chen	chen	PROPN
ijtc-1014	154	2	,	,	PUNCT
ijtc-1014	154	3	y.	y.	PROPN
ijtc-1014	154	4	,	,	PUNCT
ijtc-1014	154	5	kumara	kumara	PROPN
ijtc-1014	154	6	,	,	PUNCT
ijtc-1014	154	7	e.	e.	PROPN
ijtc-1014	154	8	k.	k.	PROPN
ijtc-1014	154	9	,	,	PUNCT
ijtc-1014	154	10	&	&	CCONJ
ijtc-1014	154	11	sivakumar	sivakumar	PROPN
ijtc-1014	154	12	,	,	PUNCT
ijtc-1014	154	13	v.	v.	PROPN
ijtc-1014	154	14	(	(	PUNCT
ijtc-1014	154	15	2021	2021	NUM
ijtc-1014	154	16	)	)	PUNCT
ijtc-1014	154	17	.	.	PUNCT
ijtc-1014	155	1	investigation	investigation	NOUN
ijtc-1014	155	2	of	of	ADP
ijtc-1014	155	3	finance	finance	NOUN
ijtc-1014	155	4	industry	industry	NOUN
ijtc-1014	155	5	on	on	ADP
ijtc-1014	155	6	risk	risk	NOUN
ijtc-1014	155	7	awareness	awareness	NOUN
ijtc-1014	155	8	model	model	NOUN
ijtc-1014	155	9	and	and	CCONJ
ijtc-1014	155	10	digital	digital	ADJ
ijtc-1014	155	11	economic	economic	ADJ
ijtc-1014	155	12	growth	growth	NOUN
ijtc-1014	155	13	.	.	PUNCT
ijtc-1014	156	1	annals	annal	NOUN
ijtc-1014	156	2	of	of	ADP
ijtc-1014	156	3	operations	operation	NOUN
ijtc-1014	156	4	research	research	NOUN
ijtc-1014	156	5	,	,	PUNCT
ijtc-1014	156	6	1–22	1–22	PROPN
ijtc-1014	156	7	.	.	PUNCT
ijtc-1014	157	1	compen	compen	PROPN
ijtc-1014	157	2	,	,	PUNCT
ijtc-1014	157	3	b.	b.	PROPN
ijtc-1014	157	4	,	,	PUNCT
ijtc-1014	157	5	witte	witte	PROPN
ijtc-1014	157	6	,	,	PUNCT
ijtc-1014	157	7	k.	k.	PROPN
ijtc-1014	157	8	,	,	PUNCT
ijtc-1014	157	9	&	&	CCONJ
ijtc-1014	157	10	schelfhout	schelfhout	PROPN
ijtc-1014	157	11	,	,	PUNCT
ijtc-1014	157	12	w.	w.	NOUN
ijtc-1014	157	13	(	(	PUNCT
ijtc-1014	157	14	2019	2019	NUM
ijtc-1014	157	15	)	)	PUNCT
ijtc-1014	157	16	.	.	PUNCT
ijtc-1014	158	1	the	the	DET
ijtc-1014	158	2	role	role	NOUN
ijtc-1014	158	3	of	of	ADP
ijtc-1014	158	4	teacher	teacher	NOUN
ijtc-1014	158	5	professional	professional	ADJ
ijtc-1014	158	6	development	development	NOUN
ijtc-1014	158	7	in	in	ADP
ijtc-1014	158	8	financial	financial	ADJ
ijtc-1014	158	9	literacy	literacy	NOUN
ijtc-1014	158	10	education	education	NOUN
ijtc-1014	158	11	:	:	PUNCT
ijtc-1014	158	12	a	a	DET
ijtc-1014	158	13	systematic	systematic	ADJ
ijtc-1014	158	14	literature	literature	NOUN
ijtc-1014	158	15	review	review	NOUN
ijtc-1014	158	16	.	.	PUNCT
ijtc-1014	159	1	educational	educational	ADJ
ijtc-1014	159	2	research	research	PROPN
ijtc-1014	159	3	review	review	PROPN
ijtc-1014	159	4	,	,	PUNCT
ijtc-1014	159	5	26	26	NUM
ijtc-1014	159	6	,	,	PUNCT
ijtc-1014	159	7	16–31	16–31	NUM
ijtc-1014	159	8	.	.	PUNCT
ijtc-1014	160	1	garcía	garcía	PROPN
ijtc-1014	160	2	,	,	PUNCT
ijtc-1014	160	3	j.	j.	PROPN
ijtc-1014	160	4	m.	m.	PROPN
ijtc-1014	160	5	,	,	PUNCT
ijtc-1014	160	6	&	&	CCONJ
ijtc-1014	160	7	vila	vila	PROPN
ijtc-1014	160	8	,	,	PUNCT
ijtc-1014	160	9	j.	j.	PROPN
ijtc-1014	160	10	(	(	PUNCT
ijtc-1014	160	11	2020	2020	NUM
ijtc-1014	160	12	)	)	PUNCT
ijtc-1014	160	13	.	.	PUNCT
ijtc-1014	161	1	financial	financial	ADJ
ijtc-1014	161	2	literacy	literacy	NOUN
ijtc-1014	161	3	is	be	AUX
ijtc-1014	161	4	not	not	PART
ijtc-1014	161	5	enough	enough	ADJ
ijtc-1014	161	6	:	:	PUNCT
ijtc-1014	161	7	the	the	DET
ijtc-1014	161	8	role	role	NOUN
ijtc-1014	161	9	of	of	ADP
ijtc-1014	161	10	nudging	nudge	VERB
ijtc-1014	161	11	toward	toward	ADP
ijtc-1014	161	12	adequate	adequate	ADJ
ijtc-1014	161	13	long	long	ADJ
ijtc-1014	161	14	-	-	PUNCT
ijtc-1014	161	15	term	term	NOUN
ijtc-1014	161	16	saving	saving	NOUN
ijtc-1014	161	17	behavior	behavior	NOUN
ijtc-1014	161	18	.	.	PUNCT
ijtc-1014	162	1	journal	journal	PROPN
ijtc-1014	162	2	of	of	ADP
ijtc-1014	162	3	business	business	NOUN
ijtc-1014	162	4	research	research	NOUN
ijtc-1014	162	5	,	,	PUNCT
ijtc-1014	162	6	112	112	NUM
ijtc-1014	162	7	,	,	PUNCT
ijtc-1014	162	8	472–477	472–477	NUM
ijtc-1014	162	9	.	.	PUNCT
ijtc-1014	163	1	giza	giza	PROPN
ijtc-1014	163	2	,	,	PUNCT
ijtc-1014	163	3	w.	w.	PROPN
ijtc-1014	163	4	,	,	PUNCT
ijtc-1014	163	5	&	&	CCONJ
ijtc-1014	163	6	wilk	wilk	PROPN
ijtc-1014	163	7	,	,	PUNCT
ijtc-1014	163	8	b.	b.	PROPN
ijtc-1014	163	9	(	(	PUNCT
ijtc-1014	163	10	2021	2021	NUM
ijtc-1014	163	11	)	)	PUNCT
ijtc-1014	163	12	.	.	PUNCT
ijtc-1014	164	1	revolution	revolution	NOUN
ijtc-1014	164	2	4.0	4.0	NUM
ijtc-1014	164	3	and	and	CCONJ
ijtc-1014	164	4	its	its	PRON
ijtc-1014	164	5	implications	implication	NOUN
ijtc-1014	164	6	for	for	ADP
ijtc-1014	164	7	consumer	consumer	NOUN
ijtc-1014	164	8	behaviour	behaviour	NOUN
ijtc-1014	164	9	.	.	PUNCT
ijtc-1014	165	1	entrepreneurial	entrepreneurial	ADJ
ijtc-1014	165	2	business	business	PROPN
ijtc-1014	165	3	&	&	CCONJ
ijtc-1014	165	4	economics	economics	PROPN
ijtc-1014	165	5	review	review	PROPN
ijtc-1014	165	6	,	,	PUNCT
ijtc-1014	165	7	9(4	9(4	NUM
ijtc-1014	165	8	)	)	PUNCT
ijtc-1014	165	9	.	.	PUNCT
ijtc-1014	166	1	hamad	hamad	PROPN
ijtc-1014	166	2	,	,	PUNCT
ijtc-1014	166	3	h.	h.	PROPN
ijtc-1014	166	4	a.	a.	PROPN
ijtc-1014	166	5	,	,	PUNCT
ijtc-1014	166	6	qader	qader	NOUN
ijtc-1014	166	7	,	,	PUNCT
ijtc-1014	166	8	k.	k.	PROPN
ijtc-1014	166	9	s.	s.	PROPN
ijtc-1014	166	10	,	,	PUNCT
ijtc-1014	166	11	gardi	gardi	PROPN
ijtc-1014	166	12	,	,	PUNCT
ijtc-1014	166	13	b.	b.	PROPN
ijtc-1014	166	14	,	,	PUNCT
ijtc-1014	166	15	abdalla	abdalla	PROPN
ijtc-1014	166	16	,	,	PUNCT
ijtc-1014	166	17	p.	p.	PROPN
ijtc-1014	166	18	,	,	PUNCT
ijtc-1014	166	19	hamza	hamza	PROPN
ijtc-1014	166	20	,	,	PUNCT
ijtc-1014	166	21	d.	d.	PROPN
ijtc-1014	166	22	,	,	PUNCT
ijtc-1014	166	23	&	&	CCONJ
ijtc-1014	166	24	anwar	anwar	PROPN
ijtc-1014	166	25	,	,	PUNCT
ijtc-1014	166	26	g.	g.	PROPN
ijtc-1014	166	27	(	(	PUNCT
ijtc-1014	166	28	2021	2021	NUM
ijtc-1014	166	29	)	)	PUNCT
ijtc-1014	166	30	.	.	PUNCT
ijtc-1014	167	1	the	the	DET
ijtc-1014	167	2	essential	essential	ADJ
ijtc-1014	167	3	variables	variable	NOUN
ijtc-1014	167	4	to	to	PART
ijtc-1014	167	5	consider	consider	VERB
ijtc-1014	167	6	before	before	ADP
ijtc-1014	167	7	investing	invest	VERB
ijtc-1014	167	8	in	in	ADP
ijtc-1014	167	9	financial	financial	ADJ
ijtc-1014	167	10	markets	market	NOUN
ijtc-1014	167	11	during	during	ADP
ijtc-1014	167	12	covid-19	covid-19	PROPN
ijtc-1014	167	13	.	.	PROPN
ijtc-1014	167	14	harfrank	harfrank	PROPN
ijtc-1014	167	15	,	,	PUNCT
ijtc-1014	167	16	d.	d.	PROPN
ijtc-1014	167	17	a.	a.	PROPN
ijtc-1014	167	18	,	,	PUNCT
ijtc-1014	167	19	&	&	CCONJ
ijtc-1014	167	20	peschel	peschel	PROPN
ijtc-1014	167	21	,	,	PUNCT
ijtc-1014	167	22	a.	a.	NOUN
ijtc-1014	167	23	o.	o.	PROPN
ijtc-1014	167	24	(	(	PUNCT
ijtc-1014	167	25	2020	2020	NUM
ijtc-1014	167	26	)	)	PUNCT
ijtc-1014	167	27	.	.	PUNCT
ijtc-1014	168	1	sweetening	sweeten	VERB
ijtc-1014	168	2	the	the	DET
ijtc-1014	168	3	deal	deal	NOUN
ijtc-1014	168	4	:	:	PUNCT
ijtc-1014	168	5	the	the	DET
ijtc-1014	168	6	ingredients	ingredient	NOUN
ijtc-1014	168	7	that	that	PRON
ijtc-1014	168	8	drive	drive	VERB
ijtc-1014	168	9	consumer	consumer	NOUN
ijtc-1014	168	10	adoption	adoption	NOUN
ijtc-1014	168	11	of	of	ADP
ijtc-1014	168	12	online	online	ADJ
ijtc-1014	168	13	grocery	grocery	NOUN
ijtc-1014	168	14	shopping	shopping	NOUN
ijtc-1014	168	15	.	.	PUNCT
ijtc-1014	169	1	journal	journal	PROPN
ijtc-1014	169	2	of	of	ADP
ijtc-1014	169	3	food	food	NOUN
ijtc-1014	169	4	products	product	NOUN
ijtc-1014	169	5	marketing	marketing	NOUN
ijtc-1014	169	6	,	,	PUNCT
ijtc-1014	169	7	26(8	26(8	NUM
ijtc-1014	169	8	)	)	PUNCT
ijtc-1014	169	9	,	,	PUNCT
ijtc-1014	169	10	535–544	535–544	NUM
ijtc-1014	169	11	.	.	PUNCT
ijtc-1014	170	1	hastings	hastings	PROPN
ijtc-1014	170	2	,	,	PUNCT
ijtc-1014	170	3	j.	j.	PROPN
ijtc-1014	170	4	,	,	PUNCT
ijtc-1014	170	5	&	&	CCONJ
ijtc-1014	170	6	mitchell	mitchell	PROPN
ijtc-1014	170	7	,	,	PUNCT
ijtc-1014	170	8	o.	o.	PROPN
ijtc-1014	170	9	s.	s.	PROPN
ijtc-1014	170	10	(	(	PUNCT
ijtc-1014	170	11	2020	2020	NUM
ijtc-1014	170	12	)	)	PUNCT
ijtc-1014	170	13	.	.	PUNCT
ijtc-1014	171	1	how	how	SCONJ
ijtc-1014	171	2	financial	financial	ADJ
ijtc-1014	171	3	literacy	literacy	NOUN
ijtc-1014	171	4	and	and	CCONJ
ijtc-1014	171	5	impatience	impatience	NOUN
ijtc-1014	171	6	shape	shape	NOUN
ijtc-1014	171	7	retirement	retirement	NOUN
ijtc-1014	171	8	wealth	wealth	NOUN
ijtc-1014	171	9	and	and	CCONJ
ijtc-1014	171	10	investment	investment	NOUN
ijtc-1014	171	11	behaviors	behavior	NOUN
ijtc-1014	171	12	.	.	PUNCT
ijtc-1014	172	1	journal	journal	PROPN
ijtc-1014	172	2	of	of	ADP
ijtc-1014	172	3	pension	pension	NOUN
ijtc-1014	172	4	economics	economic	NOUN
ijtc-1014	172	5	&	&	CCONJ
ijtc-1014	172	6	finance	finance	PROPN
ijtc-1014	172	7	,	,	PUNCT
ijtc-1014	172	8	19(1	19(1	NUM
ijtc-1014	172	9	)	)	PUNCT
ijtc-1014	172	10	,	,	PUNCT
ijtc-1014	172	11	1–20	1–20	PROPN
ijtc-1014	172	12	.	.	PUNCT
ijtc-1014	173	1	imamov	imamov	PROPN
ijtc-1014	173	2	,	,	PUNCT
ijtc-1014	173	3	m.	m.	NOUN
ijtc-1014	173	4	,	,	PUNCT
ijtc-1014	173	5	&	&	CCONJ
ijtc-1014	173	6	semenikhina	semenikhina	PROPN
ijtc-1014	173	7	,	,	PUNCT
ijtc-1014	173	8	n.	n.	NOUN
ijtc-1014	173	9	(	(	PUNCT
ijtc-1014	173	10	2021	2021	NUM
ijtc-1014	173	11	)	)	PUNCT
ijtc-1014	173	12	.	.	PUNCT
ijtc-1014	174	1	the	the	DET
ijtc-1014	174	2	impact	impact	NOUN
ijtc-1014	174	3	of	of	ADP
ijtc-1014	174	4	the	the	DET
ijtc-1014	174	5	digital	digital	ADJ
ijtc-1014	174	6	revolution	revolution	NOUN
ijtc-1014	174	7	on	on	ADP
ijtc-1014	174	8	the	the	DET
ijtc-1014	174	9	global	global	ADJ
ijtc-1014	174	10	economy	economy	NOUN
ijtc-1014	174	11	.	.	PUNCT
ijtc-1014	175	1	linguistics	linguistic	NOUN
ijtc-1014	175	2	and	and	CCONJ
ijtc-1014	175	3	culture	culture	PROPN
ijtc-1014	175	4	review	review	PROPN
ijtc-1014	175	5	,	,	PUNCT
ijtc-1014	175	6	5(s4	5(s4	NUM
ijtc-1014	175	7	)	)	PUNCT
ijtc-1014	175	8	,	,	PUNCT
ijtc-1014	175	9	968–987	968–987	NUM
ijtc-1014	175	10	.	.	PUNCT
ijtc-1014	176	1	jahanmir	jahanmir	PROPN
ijtc-1014	176	2	,	,	PUNCT
ijtc-1014	176	3	s.	s.	PROPN
ijtc-1014	176	4	f.	f.	PROPN
ijtc-1014	176	5	,	,	PUNCT
ijtc-1014	176	6	silva	silva	PROPN
ijtc-1014	176	7	,	,	PUNCT
ijtc-1014	176	8	g.	g.	PROPN
ijtc-1014	176	9	m.	m.	PROPN
ijtc-1014	176	10	,	,	PUNCT
ijtc-1014	176	11	gomes	gome	NOUN
ijtc-1014	176	12	,	,	PUNCT
ijtc-1014	176	13	p.	p.	PROPN
ijtc-1014	176	14	j.	j.	PROPN
ijtc-1014	176	15	,	,	PUNCT
ijtc-1014	176	16	&	&	CCONJ
ijtc-1014	176	17	gonçalves	gonçalves	PROPN
ijtc-1014	176	18	,	,	PUNCT
ijtc-1014	176	19	h.	h.	PROPN
ijtc-1014	176	20	m.	m.	NOUN
ijtc-1014	176	21	(	(	PUNCT
ijtc-1014	176	22	2020	2020	NUM
ijtc-1014	176	23	)	)	PUNCT
ijtc-1014	176	24	.	.	PUNCT
ijtc-1014	177	1	determinants	determinant	NOUN
ijtc-1014	177	2	of	of	ADP
ijtc-1014	177	3	users	user	NOUN
ijtc-1014	177	4	’	’	PART
ijtc-1014	177	5	continuance	continuance	NOUN
ijtc-1014	177	6	intention	intention	NOUN
ijtc-1014	177	7	toward	toward	ADP
ijtc-1014	177	8	digital	digital	ADJ
ijtc-1014	177	9	innovations	innovation	NOUN
ijtc-1014	177	10	:	:	PUNCT
ijtc-1014	177	11	are	be	AUX
ijtc-1014	177	12	late	late	ADJ
ijtc-1014	177	13	adopters	adopter	NOUN
ijtc-1014	177	14	different	different	ADJ
ijtc-1014	177	15	?	?	PUNCT
ijtc-1014	178	1	journal	journal	NOUN
ijtc-1014	178	2	of	of	ADP
ijtc-1014	178	3	business	business	NOUN
ijtc-1014	178	4	research	research	NOUN
ijtc-1014	178	5	,	,	PUNCT
ijtc-1014	178	6	115	115	NUM
ijtc-1014	178	7	,	,	PUNCT
ijtc-1014	178	8	225–233	225–233	NUM
ijtc-1014	178	9	.	.	PUNCT
ijtc-1014	179	1	jiang	jiang	PROPN
ijtc-1014	179	2	,	,	PUNCT
ijtc-1014	179	3	y.	y.	PROPN
ijtc-1014	179	4	,	,	PUNCT
ijtc-1014	179	5	&	&	CCONJ
ijtc-1014	179	6	stylos	stylos	PROPN
ijtc-1014	179	7	,	,	PUNCT
ijtc-1014	179	8	n.	n.	NOUN
ijtc-1014	179	9	(	(	PUNCT
ijtc-1014	179	10	2021	2021	NUM
ijtc-1014	179	11	)	)	PUNCT
ijtc-1014	179	12	.	.	PUNCT
ijtc-1014	180	1	triggers	trigger	NOUN
ijtc-1014	180	2	of	of	ADP
ijtc-1014	180	3	consumers	consumer	NOUN
ijtc-1014	180	4	’	'	PUNCT
ijtc-1014	180	5	enhanced	enhance	VERB
ijtc-1014	180	6	digital	digital	ADJ
ijtc-1014	180	7	engagement	engagement	NOUN
ijtc-1014	180	8	and	and	CCONJ
ijtc-1014	180	9	the	the	DET
ijtc-1014	180	10	role	role	NOUN
ijtc-1014	180	11	of	of	ADP
ijtc-1014	180	12	digital	digital	ADJ
ijtc-1014	180	13	technologies	technology	NOUN
ijtc-1014	180	14	in	in	ADP
ijtc-1014	180	15	transforming	transform	VERB
ijtc-1014	180	16	the	the	DET
ijtc-1014	180	17	retail	retail	ADJ
ijtc-1014	180	18	ecosystem	ecosystem	NOUN
ijtc-1014	180	19	during	during	ADP
ijtc-1014	180	20	covid-19	covid-19	PROPN
ijtc-1014	180	21	pandemic	pandemic	ADJ
ijtc-1014	180	22	.	.	PUNCT
ijtc-1014	181	1	technological	technological	ADJ
ijtc-1014	181	2	forecasting	forecasting	NOUN
ijtc-1014	181	3	and	and	CCONJ
ijtc-1014	181	4	social	social	ADJ
ijtc-1014	181	5	change	change	NOUN
ijtc-1014	181	6	,	,	PUNCT
ijtc-1014	181	7	172	172	NUM
ijtc-1014	181	8	,	,	PUNCT
ijtc-1014	181	9	121029	121029	NUM
ijtc-1014	181	10	.	.	PUNCT
ijtc-1014	182	1	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	ADJ
ijtc-1014	182	2	the	the	DET
ijtc-1014	182	3	impact	impact	NOUN
ijtc-1014	182	4	of	of	ADP
ijtc-1014	182	5	financial	financial	ADJ
ijtc-1014	182	6	literacy	literacy	NOUN
ijtc-1014	182	7	and	and	CCONJ
ijtc-1014	182	8	digital	digital	ADJ
ijtc-1014	182	9	awareness	awareness	NOUN
ijtc-1014	182	10	on	on	ADP
ijtc-1014	182	11	investment	investment	NOUN
ijtc-1014	182	12	intentions	intention	NOUN
ijtc-1014	182	13	karundeng	karundeng	PROPN
ijtc-1014	182	14	,	,	PUNCT
ijtc-1014	182	15	siagian	siagian	PROPN
ijtc-1014	182	16	,	,	PUNCT
ijtc-1014	182	17	hutabarat	hutabarat	PROPN
ijtc-1014	182	18	,	,	PUNCT
ijtc-1014	182	19	and	and	CCONJ
ijtc-1014	182	20	pangaribuan	pangaribuan	NOUN
ijtc-1014	182	21	290	290	NUM
ijtc-1014	182	22	|	|	ADV
ijtc-1014	182	23	ilomata	ilomata	PROPN
ijtc-1014	182	24	international	international	ADJ
ijtc-1014	182	25	journal	journal	NOUN
ijtc-1014	182	26	of	of	ADP
ijtc-1014	182	27	tax	tax	PROPN
ijtc-1014	182	28	&	&	CCONJ
ijtc-1014	182	29	accounting	account	VERB
ijtc-1014	182	30	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	PROPN
ijtc-1014	182	31	khoirunnisa	khoirunnisa	NOUN
ijtc-1014	182	32	,	,	PUNCT
ijtc-1014	182	33	i.	i.	PROPN
ijtc-1014	182	34	r.	r.	PROPN
ijtc-1014	182	35	,	,	PUNCT
ijtc-1014	182	36	&	&	CCONJ
ijtc-1014	182	37	rochmawati	rochmawati	PROPN
ijtc-1014	182	38	,	,	PUNCT
ijtc-1014	182	39	r.	r.	PROPN
ijtc-1014	182	40	(	(	PUNCT
ijtc-1014	182	41	2021	2021	NUM
ijtc-1014	182	42	)	)	PUNCT
ijtc-1014	182	43	.	.	PUNCT
ijtc-1014	183	1	pengaruh	pengaruh	NOUN
ijtc-1014	183	2	literasi	literasi	ADJ
ijtc-1014	183	3	keuangan	keuangan	NOUN
ijtc-1014	183	4	,	,	PUNCT
ijtc-1014	183	5	sikap	sikap	ADJ
ijtc-1014	183	6	keuangan	keuangan	NOUN
ijtc-1014	183	7	,	,	PUNCT
ijtc-1014	183	8	dan	dan	PROPN
ijtc-1014	183	9	pendidikan	pendidikan	PROPN
ijtc-1014	183	10	keuangan	keuangan	PROPN
ijtc-1014	183	11	keluarga	keluarga	PROPN
ijtc-1014	183	12	terhadap	terhadap	PROPN
ijtc-1014	183	13	manajemen	manajeman	NOUN
ijtc-1014	183	14	keuangan	keuangan	VERB
ijtc-1014	183	15	pribadi	pribadi	PROPN
ijtc-1014	183	16	dengan	dengan	PROPN
ijtc-1014	183	17	locus	locus	PROPN
ijtc-1014	183	18	of	of	ADP
ijtc-1014	183	19	control	control	PROPN
ijtc-1014	183	20	sebagai	sebagai	PROPN
ijtc-1014	183	21	variabel	variabel	PROPN
ijtc-1014	183	22	intervening	intervene	VERB
ijtc-1014	183	23	.	.	PUNCT
ijtc-1014	184	1	jurnal	jurnal	ADJ
ijtc-1014	184	2	pendidikan	pendidikan	PROPN
ijtc-1014	184	3	akuntansi	akuntansi	PROPN
ijtc-1014	184	4	(	(	PUNCT
ijtc-1014	184	5	jpak	jpak	PROPN
ijtc-1014	184	6	,	,	PUNCT
ijtc-1014	184	7	9(2	9(2	NUM
ijtc-1014	184	8	)	)	PUNCT
ijtc-1014	184	9	,	,	PUNCT
ijtc-1014	184	10	210–219	210–219	NUM
ijtc-1014	184	11	.	.	PUNCT
ijtc-1014	185	1	korte	korte	NOUN
ijtc-1014	185	2	,	,	PUNCT
ijtc-1014	185	3	m.	m.	NOUN
ijtc-1014	185	4	(	(	PUNCT
ijtc-1014	185	5	2020	2020	NUM
ijtc-1014	185	6	)	)	PUNCT
ijtc-1014	185	7	.	.	PUNCT
ijtc-1014	186	1	the	the	DET
ijtc-1014	186	2	impact	impact	NOUN
ijtc-1014	186	3	of	of	ADP
ijtc-1014	186	4	the	the	DET
ijtc-1014	186	5	digital	digital	ADJ
ijtc-1014	186	6	revolution	revolution	NOUN
ijtc-1014	186	7	on	on	ADP
ijtc-1014	186	8	human	human	ADJ
ijtc-1014	186	9	brain	brain	NOUN
ijtc-1014	186	10	and	and	CCONJ
ijtc-1014	186	11	behavior	behavior	NOUN
ijtc-1014	186	12	:	:	PUNCT
ijtc-1014	186	13	where	where	SCONJ
ijtc-1014	186	14	do	do	AUX
ijtc-1014	186	15	we	we	PRON
ijtc-1014	186	16	stand	stand	VERB
ijtc-1014	186	17	?	?	PUNCT
ijtc-1014	187	1	dialogues	dialogue	NOUN
ijtc-1014	187	2	in	in	ADP
ijtc-1014	187	3	clinical	clinical	ADJ
ijtc-1014	187	4	neuroscience	neuroscience	NOUN
ijtc-1014	187	5	,	,	PUNCT
ijtc-1014	187	6	22(2	22(2	NUM
ijtc-1014	187	7	)	)	PUNCT
ijtc-1014	187	8	,	,	PUNCT
ijtc-1014	187	9	101–111	101–111	NUM
ijtc-1014	187	10	.	.	PUNCT
ijtc-1014	188	1	lai	lai	PROPN
ijtc-1014	188	2	,	,	PUNCT
ijtc-1014	188	3	c.	c.	PROPN
ijtc-1014	188	4	p.	p.	PROPN
ijtc-1014	188	5	(	(	PUNCT
ijtc-1014	188	6	2019	2019	NUM
ijtc-1014	188	7	)	)	PUNCT
ijtc-1014	188	8	.	.	PUNCT
ijtc-1014	189	1	personality	personality	NOUN
ijtc-1014	189	2	traits	trait	NOUN
ijtc-1014	189	3	and	and	CCONJ
ijtc-1014	189	4	stock	stock	NOUN
ijtc-1014	189	5	investment	investment	NOUN
ijtc-1014	189	6	of	of	ADP
ijtc-1014	189	7	individuals	individual	NOUN
ijtc-1014	189	8	.	.	PUNCT
ijtc-1014	190	1	sustainability	sustainability	NOUN
ijtc-1014	190	2	,	,	PUNCT
ijtc-1014	190	3	11(19	11(19	PROPN
ijtc-1014	190	4	)	)	PUNCT
ijtc-1014	190	5	,	,	PUNCT
ijtc-1014	190	6	5474	5474	NUM
ijtc-1014	190	7	.	.	PUNCT
ijtc-1014	191	1	lee	lee	PROPN
ijtc-1014	191	2	,	,	PUNCT
ijtc-1014	191	3	y.	y.	PROPN
ijtc-1014	191	4	f.	f.	PROPN
ijtc-1014	191	5	,	,	PUNCT
ijtc-1014	191	6	lin	lin	PROPN
ijtc-1014	191	7	,	,	PUNCT
ijtc-1014	191	8	c.	c.	PROPN
ijtc-1014	191	9	j.	j.	PROPN
ijtc-1014	191	10	,	,	PUNCT
ijtc-1014	191	11	hwang	hwang	PROPN
ijtc-1014	191	12	,	,	PUNCT
ijtc-1014	191	13	g.	g.	PROPN
ijtc-1014	191	14	j.	j.	PROPN
ijtc-1014	191	15	,	,	PUNCT
ijtc-1014	191	16	fu	fu	PROPN
ijtc-1014	191	17	,	,	PUNCT
ijtc-1014	191	18	q.	q.	PROPN
ijtc-1014	191	19	k.	k.	PROPN
ijtc-1014	191	20	,	,	PUNCT
ijtc-1014	191	21	&	&	CCONJ
ijtc-1014	191	22	tseng	tseng	PROPN
ijtc-1014	191	23	,	,	PUNCT
ijtc-1014	191	24	w.	w.	PROPN
ijtc-1014	191	25	h.	h.	PROPN
ijtc-1014	191	26	(	(	PUNCT
ijtc-1014	191	27	2021	2021	NUM
ijtc-1014	191	28	)	)	PUNCT
ijtc-1014	191	29	.	.	PUNCT
ijtc-1014	192	1	effects	effect	NOUN
ijtc-1014	192	2	of	of	ADP
ijtc-1014	192	3	a	a	DET
ijtc-1014	192	4	mobile	mobile	NOUN
ijtc-1014	192	5	-	-	PUNCT
ijtc-1014	192	6	based	base	VERB
ijtc-1014	192	7	progressive	progressive	ADJ
ijtc-1014	192	8	peer	peer	NOUN
ijtc-1014	192	9	-	-	PUNCT
ijtc-1014	192	10	feedback	feedback	NOUN
ijtc-1014	192	11	scaffolding	scaffolding	NOUN
ijtc-1014	192	12	strategy	strategy	NOUN
ijtc-1014	192	13	on	on	ADP
ijtc-1014	192	14	students	student	NOUN
ijtc-1014	192	15	’	'	PUNCT
ijtc-1014	192	16	creative	creative	ADJ
ijtc-1014	192	17	thinking	thinking	NOUN
ijtc-1014	192	18	performance	performance	NOUN
ijtc-1014	192	19	,	,	PUNCT
ijtc-1014	192	20	metacognitive	metacognitive	ADJ
ijtc-1014	192	21	awareness	awareness	NOUN
ijtc-1014	192	22	,	,	PUNCT
ijtc-1014	192	23	and	and	CCONJ
ijtc-1014	192	24	learning	learn	VERB
ijtc-1014	192	25	attitude	attitude	NOUN
ijtc-1014	192	26	.	.	PUNCT
ijtc-1014	193	1	interactive	interactive	ADJ
ijtc-1014	193	2	learning	learning	NOUN
ijtc-1014	193	3	environments	environment	NOUN
ijtc-1014	193	4	.	.	PUNCT
ijtc-1014	194	1	maharani	maharani	PROPN
ijtc-1014	194	2	,	,	PUNCT
ijtc-1014	194	3	a.	a.	PROPN
ijtc-1014	194	4	,	,	PUNCT
ijtc-1014	194	5	&	&	CCONJ
ijtc-1014	194	6	saputra	saputra	PROPN
ijtc-1014	194	7	,	,	PUNCT
ijtc-1014	194	8	f.	f.	PROPN
ijtc-1014	194	9	(	(	PUNCT
ijtc-1014	194	10	2021	2021	NUM
ijtc-1014	194	11	)	)	PUNCT
ijtc-1014	194	12	.	.	PUNCT
ijtc-1014	195	1	relationship	relationship	NOUN
ijtc-1014	195	2	of	of	ADP
ijtc-1014	195	3	investment	investment	NOUN
ijtc-1014	195	4	motivation	motivation	NOUN
ijtc-1014	195	5	,	,	PUNCT
ijtc-1014	195	6	investment	investment	NOUN
ijtc-1014	195	7	knowledge	knowledge	NOUN
ijtc-1014	195	8	and	and	CCONJ
ijtc-1014	195	9	minimum	minimum	ADJ
ijtc-1014	195	10	capital	capital	NOUN
ijtc-1014	195	11	to	to	ADP
ijtc-1014	195	12	investment	investment	NOUN
ijtc-1014	195	13	interest	interest	NOUN
ijtc-1014	195	14	.	.	PUNCT
ijtc-1014	196	1	journal	journal	NOUN
ijtc-1014	196	2	of	of	ADP
ijtc-1014	196	3	law	law	NOUN
ijtc-1014	196	4	,	,	PUNCT
ijtc-1014	196	5	politic	politic	NOUN
ijtc-1014	196	6	and	and	CCONJ
ijtc-1014	196	7	humanities	humanity	NOUN
ijtc-1014	196	8	,	,	PUNCT
ijtc-1014	196	9	2(1	2(1	NUM
ijtc-1014	196	10	)	)	PUNCT
ijtc-1014	196	11	,	,	PUNCT
ijtc-1014	196	12	23–32	23–32	NUM
ijtc-1014	196	13	.	.	PUNCT
ijtc-1014	197	1	moenjak	moenjak	PROPN
ijtc-1014	197	2	,	,	PUNCT
ijtc-1014	197	3	t.	t.	PROPN
ijtc-1014	197	4	,	,	PUNCT
ijtc-1014	197	5	kongprajya	kongprajya	PROPN
ijtc-1014	197	6	,	,	PUNCT
ijtc-1014	197	7	a.	a.	NOUN
ijtc-1014	197	8	,	,	PUNCT
ijtc-1014	197	9	&	&	CCONJ
ijtc-1014	197	10	monchaitrakul	monchaitrakul	PROPN
ijtc-1014	197	11	,	,	PUNCT
ijtc-1014	197	12	c.	c.	PROPN
ijtc-1014	197	13	(	(	PUNCT
ijtc-1014	197	14	2020	2020	NUM
ijtc-1014	197	15	)	)	PUNCT
ijtc-1014	197	16	.	.	PUNCT
ijtc-1014	198	1	fintech	fintech	NOUN
ijtc-1014	198	2	,	,	PUNCT
ijtc-1014	198	3	financial	financial	ADJ
ijtc-1014	198	4	literacy	literacy	NOUN
ijtc-1014	198	5	,	,	PUNCT
ijtc-1014	198	6	and	and	CCONJ
ijtc-1014	198	7	consumer	consumer	NOUN
ijtc-1014	198	8	saving	saving	NOUN
ijtc-1014	198	9	and	and	CCONJ
ijtc-1014	198	10	borrowing	borrowing	NOUN
ijtc-1014	198	11	:	:	PUNCT
ijtc-1014	198	12	the	the	DET
ijtc-1014	198	13	case	case	NOUN
ijtc-1014	198	14	of	of	ADP
ijtc-1014	198	15	thailand	thailand	PROPN
ijtc-1014	198	16	(	(	PUNCT
ijtc-1014	198	17	issue	issue	NOUN
ijtc-1014	198	18	1100	1100	NUM
ijtc-1014	198	19	)	)	PUNCT
ijtc-1014	198	20	)	)	PUNCT
ijtc-1014	198	21	.	.	PUNCT
ijtc-1014	199	1	mutohhari	mutohhari	PROPN
ijtc-1014	199	2	,	,	PUNCT
ijtc-1014	199	3	f.	f.	PROPN
ijtc-1014	199	4	,	,	PUNCT
ijtc-1014	199	5	sofyan	sofyan	PROPN
ijtc-1014	199	6	,	,	PUNCT
ijtc-1014	199	7	h.	h.	PROPN
ijtc-1014	199	8	,	,	PUNCT
ijtc-1014	199	9	&	&	CCONJ
ijtc-1014	199	10	nurtanto	nurtanto	NOUN
ijtc-1014	199	11	,	,	PUNCT
ijtc-1014	199	12	m.	m.	NOUN
ijtc-1014	199	13	(	(	PUNCT
ijtc-1014	199	14	2021	2021	NUM
ijtc-1014	199	15	)	)	PUNCT
ijtc-1014	199	16	.	.	PUNCT
ijtc-1014	200	1	technological	technological	ADJ
ijtc-1014	200	2	competencies	competency	NOUN
ijtc-1014	200	3	:	:	PUNCT
ijtc-1014	200	4	a	a	DET
ijtc-1014	200	5	study	study	NOUN
ijtc-1014	200	6	on	on	ADP
ijtc-1014	200	7	the	the	DET
ijtc-1014	200	8	acceptance	acceptance	NOUN
ijtc-1014	200	9	of	of	ADP
ijtc-1014	200	10	digital	digital	ADJ
ijtc-1014	200	11	technology	technology	NOUN
ijtc-1014	200	12	on	on	ADP
ijtc-1014	200	13	vocational	vocational	ADJ
ijtc-1014	200	14	teachers	teacher	NOUN
ijtc-1014	200	15	in	in	ADP
ijtc-1014	200	16	indonesia	indonesia	PROPN
ijtc-1014	200	17	.	.	PUNCT
ijtc-1014	201	1	proceedings	proceeding	NOUN
ijtc-1014	201	2	of	of	ADP
ijtc-1014	201	3	the	the	DET
ijtc-1014	201	4	1st	1st	ADJ
ijtc-1014	201	5	international	international	ADJ
ijtc-1014	201	6	conference	conference	NOUN
ijtc-1014	201	7	on	on	ADP
ijtc-1014	201	8	law	law	NOUN
ijtc-1014	201	9	,	,	PUNCT
ijtc-1014	201	10	social	social	ADJ
ijtc-1014	201	11	science	science	NOUN
ijtc-1014	201	12	,	,	PUNCT
ijtc-1014	201	13	economics	economic	NOUN
ijtc-1014	201	14	,	,	PUNCT
ijtc-1014	201	15	and	and	CCONJ
ijtc-1014	201	16	education	education	NOUN
ijtc-1014	201	17	,	,	PUNCT
ijtc-1014	201	18	iclssee	iclssee	ADJ
ijtc-1014	201	19	2021	2021	NUM
ijtc-1014	201	20	.	.	PUNCT
ijtc-1014	202	1	nirmala	nirmala	PROPN
ijtc-1014	202	2	,	,	PUNCT
ijtc-1014	202	3	n.	n.	PROPN
ijtc-1014	202	4	,	,	PUNCT
ijtc-1014	202	5	muntahanah	muntahanah	PROPN
ijtc-1014	202	6	,	,	PUNCT
ijtc-1014	202	7	s.	s.	PROPN
ijtc-1014	202	8	,	,	PUNCT
ijtc-1014	202	9	&	&	CCONJ
ijtc-1014	202	10	achadi	achadi	PROPN
ijtc-1014	202	11	,	,	PUNCT
ijtc-1014	202	12	a.	a.	NOUN
ijtc-1014	202	13	(	(	PUNCT
ijtc-1014	202	14	2022	2022	NUM
ijtc-1014	202	15	)	)	PUNCT
ijtc-1014	202	16	.	.	PUNCT
ijtc-1014	203	1	pengaruh	pengaruh	NOUN
ijtc-1014	203	2	literasi	literasi	PROPN
ijtc-1014	203	3	keuangan	keuangan	PROPN
ijtc-1014	203	4	terhadap	terhadap	PROPN
ijtc-1014	203	5	perilaku	perilaku	PROPN
ijtc-1014	203	6	keuangan	keuangan	PROPN
ijtc-1014	203	7	mahasiswa	mahasiswa	PROPN
ijtc-1014	203	8	feb	feb	PROPN
ijtc-1014	203	9	universitas	universitas	PROPN
ijtc-1014	203	10	wijayakusuma	wijayakusuma	PROPN
ijtc-1014	203	11	purwokerto	purwokerto	PROPN
ijtc-1014	203	12	.	.	PUNCT
ijtc-1014	204	1	monex	monex	PROPN
ijtc-1014	204	2	:	:	PUNCT
ijtc-1014	204	3	journal	journal	NOUN
ijtc-1014	204	4	of	of	ADP
ijtc-1014	204	5	accounting	accounting	NOUN
ijtc-1014	204	6	research	research	NOUN
ijtc-1014	204	7	,	,	PUNCT
ijtc-1014	204	8	11(01	11(01	NUM
ijtc-1014	204	9	)	)	PUNCT
ijtc-1014	204	10	,	,	PUNCT
ijtc-1014	204	11	1–9	1–9	NOUN
ijtc-1014	204	12	.	.	NOUN
ijtc-1014	204	13	oberländer	oberländer	NOUN
ijtc-1014	204	14	,	,	PUNCT
ijtc-1014	204	15	m.	m.	NOUN
ijtc-1014	204	16	,	,	PUNCT
ijtc-1014	204	17	&	&	CCONJ
ijtc-1014	204	18	bipp	bipp	PROPN
ijtc-1014	204	19	,	,	PUNCT
ijtc-1014	204	20	t.	t.	PROPN
ijtc-1014	204	21	(	(	PUNCT
ijtc-1014	204	22	2022	2022	NUM
ijtc-1014	204	23	)	)	PUNCT
ijtc-1014	204	24	.	.	PUNCT
ijtc-1014	205	1	do	do	AUX
ijtc-1014	205	2	digital	digital	ADJ
ijtc-1014	205	3	competencies	competency	NOUN
ijtc-1014	205	4	and	and	CCONJ
ijtc-1014	205	5	social	social	ADJ
ijtc-1014	205	6	support	support	NOUN
ijtc-1014	205	7	boost	boost	VERB
ijtc-1014	205	8	work	work	NOUN
ijtc-1014	205	9	engagement	engagement	NOUN
ijtc-1014	205	10	during	during	ADP
ijtc-1014	205	11	the	the	DET
ijtc-1014	205	12	covid-19	covid-19	PROPN
ijtc-1014	205	13	pandemic	pandemic	NOUN
ijtc-1014	205	14	?	?	PUNCT
ijtc-1014	206	1	computers	computer	NOUN
ijtc-1014	206	2	in	in	ADP
ijtc-1014	206	3	human	human	ADJ
ijtc-1014	206	4	behavior	behavior	NOUN
ijtc-1014	206	5	,	,	PUNCT
ijtc-1014	206	6	130	130	NUM
ijtc-1014	206	7	,	,	PUNCT
ijtc-1014	206	8	107172	107172	NUM
ijtc-1014	206	9	.	.	PUNCT
ijtc-1014	207	1	onasie	onasie	VERB
ijtc-1014	207	2	,	,	PUNCT
ijtc-1014	207	3	v.	v.	PROPN
ijtc-1014	207	4	,	,	PUNCT
ijtc-1014	207	5	&	&	CCONJ
ijtc-1014	207	6	widoatmodjo	widoatmodjo	PROPN
ijtc-1014	207	7	,	,	PUNCT
ijtc-1014	207	8	s.	s.	PROPN
ijtc-1014	207	9	(	(	PUNCT
ijtc-1014	207	10	2020	2020	NUM
ijtc-1014	207	11	)	)	PUNCT
ijtc-1014	207	12	.	.	PUNCT
ijtc-1014	208	1	niat	niat	PROPN
ijtc-1014	208	2	investasi	investasi	PROPN
ijtc-1014	208	3	generasi	generasi	PROPN
ijtc-1014	208	4	milenial	milenial	PROPN
ijtc-1014	208	5	di	di	PROPN
ijtc-1014	208	6	pasar	pasar	PROPN
ijtc-1014	208	7	modal	modal	PROPN
ijtc-1014	208	8	.	.	PUNCT
ijtc-1014	209	1	jurnal	jurnal	ADJ
ijtc-1014	209	2	manajerial	manajerial	PROPN
ijtc-1014	209	3	dan	dan	PROPN
ijtc-1014	209	4	kewirausahaan	kewirausahaan	PROPN
ijtc-1014	209	5	,	,	PUNCT
ijtc-1014	209	6	2(2	2(2	NUM
ijtc-1014	209	7	)	)	PUNCT
ijtc-1014	209	8	,	,	PUNCT
ijtc-1014	209	9	318–326	318–326	NUM
ijtc-1014	209	10	.	.	PUNCT
ijtc-1014	210	1	osman	osman	PROPN
ijtc-1014	210	2	,	,	PUNCT
ijtc-1014	210	3	i.	i.	PROPN
ijtc-1014	210	4	,	,	PUNCT
ijtc-1014	210	5	maâ	maâ	PROPN
ijtc-1014	210	6	,	,	PUNCT
ijtc-1014	210	7	m.	m.	NOUN
ijtc-1014	210	8	,	,	PUNCT
ijtc-1014	210	9	muda	muda	PROPN
ijtc-1014	210	10	,	,	PUNCT
ijtc-1014	210	11	r.	r.	PROPN
ijtc-1014	210	12	,	,	PUNCT
ijtc-1014	210	13	husni	husni	NOUN
ijtc-1014	210	14	,	,	PUNCT
ijtc-1014	210	15	n.	n.	PROPN
ijtc-1014	210	16	s.	s.	PROPN
ijtc-1014	210	17	a.	a.	PROPN
ijtc-1014	210	18	,	,	PUNCT
ijtc-1014	210	19	alwi	alwi	PROPN
ijtc-1014	210	20	,	,	PUNCT
ijtc-1014	210	21	s.	s.	PROPN
ijtc-1014	210	22	f.	f.	PROPN
ijtc-1014	210	23	s.	s.	PROPN
ijtc-1014	210	24	,	,	PUNCT
ijtc-1014	210	25	&	&	CCONJ
ijtc-1014	210	26	hassan	hassan	PROPN
ijtc-1014	210	27	,	,	PUNCT
ijtc-1014	210	28	f.	f.	PROPN
ijtc-1014	210	29	(	(	PUNCT
ijtc-1014	210	30	2019	2019	NUM
ijtc-1014	210	31	)	)	PUNCT
ijtc-1014	210	32	.	.	PUNCT
ijtc-1014	211	1	determinants	determinant	NOUN
ijtc-1014	211	2	of	of	ADP
ijtc-1014	211	3	behavioural	behavioural	ADJ
ijtc-1014	211	4	intention	intention	NOUN
ijtc-1014	211	5	towards	towards	ADP
ijtc-1014	211	6	green	green	ADJ
ijtc-1014	211	7	investments	investment	NOUN
ijtc-1014	211	8	:	:	PUNCT
ijtc-1014	211	9	the	the	DET
ijtc-1014	211	10	perspectives	perspective	NOUN
ijtc-1014	211	11	of	of	ADP
ijtc-1014	211	12	muslims	muslims	PROPN
ijtc-1014	211	13	.	.	PUNCT
ijtc-1014	212	1	international	international	ADJ
ijtc-1014	212	2	journal	journal	PROPN
ijtc-1014	212	3	of	of	ADP
ijtc-1014	212	4	islamic	islamic	PROPN
ijtc-1014	212	5	business	business	NOUN
ijtc-1014	212	6	,	,	PUNCT
ijtc-1014	212	7	4(1	4(1	NOUN
ijtc-1014	212	8	)	)	PUNCT
ijtc-1014	212	9	,	,	PUNCT
ijtc-1014	212	10	16–38	16–38	NUM
ijtc-1014	212	11	.	.	PUNCT
ijtc-1014	212	12	pencarelli	pencarelli	PROPN
ijtc-1014	212	13	,	,	PUNCT
ijtc-1014	212	14	t.	t.	PROPN
ijtc-1014	212	15	(	(	PUNCT
ijtc-1014	212	16	2020	2020	NUM
ijtc-1014	212	17	)	)	PUNCT
ijtc-1014	212	18	.	.	PUNCT
ijtc-1014	213	1	the	the	DET
ijtc-1014	213	2	digital	digital	PROPN
ijtc-1014	213	3	revolution	revolution	NOUN
ijtc-1014	213	4	in	in	ADP
ijtc-1014	213	5	the	the	DET
ijtc-1014	213	6	travel	travel	NOUN
ijtc-1014	213	7	and	and	CCONJ
ijtc-1014	213	8	tourism	tourism	NOUN
ijtc-1014	213	9	industry	industry	NOUN
ijtc-1014	213	10	.	.	PUNCT
ijtc-1014	214	1	information	information	NOUN
ijtc-1014	214	2	technology	technology	PROPN
ijtc-1014	214	3	&	&	CCONJ
ijtc-1014	214	4	tourism	tourism	NOUN
ijtc-1014	214	5	,	,	PUNCT
ijtc-1014	214	6	22(3	22(3	NUM
ijtc-1014	214	7	)	)	PUNCT
ijtc-1014	214	8	,	,	PUNCT
ijtc-1014	214	9	455–476	455–476	NUM
ijtc-1014	214	10	.	.	PUNCT
ijtc-1014	215	1	pitthan	pitthan	PROPN
ijtc-1014	215	2	,	,	PUNCT
ijtc-1014	215	3	f.	f.	PROPN
ijtc-1014	215	4	,	,	PUNCT
ijtc-1014	215	5	&	&	CCONJ
ijtc-1014	215	6	witte	witte	PROPN
ijtc-1014	215	7	,	,	PUNCT
ijtc-1014	215	8	k.	k.	PROPN
ijtc-1014	215	9	(	(	PUNCT
ijtc-1014	215	10	2021	2021	NUM
ijtc-1014	215	11	)	)	PUNCT
ijtc-1014	215	12	.	.	PUNCT
ijtc-1014	216	1	puzzles	puzzle	NOUN
ijtc-1014	216	2	of	of	ADP
ijtc-1014	216	3	insurance	insurance	NOUN
ijtc-1014	216	4	demand	demand	NOUN
ijtc-1014	216	5	and	and	CCONJ
ijtc-1014	216	6	its	its	PRON
ijtc-1014	216	7	biases	bias	NOUN
ijtc-1014	216	8	:	:	PUNCT
ijtc-1014	216	9	a	a	DET
ijtc-1014	216	10	survey	survey	NOUN
ijtc-1014	216	11	on	on	ADP
ijtc-1014	216	12	the	the	DET
ijtc-1014	216	13	role	role	NOUN
ijtc-1014	216	14	of	of	ADP
ijtc-1014	216	15	behavioural	behavioural	ADJ
ijtc-1014	216	16	biases	bias	NOUN
ijtc-1014	216	17	and	and	CCONJ
ijtc-1014	216	18	financial	financial	ADJ
ijtc-1014	216	19	literacy	literacy	NOUN
ijtc-1014	216	20	on	on	ADP
ijtc-1014	216	21	insurance	insurance	NOUN
ijtc-1014	216	22	demand	demand	NOUN
ijtc-1014	216	23	.	.	PUNCT
ijtc-1014	217	1	journal	journal	NOUN
ijtc-1014	217	2	of	of	ADP
ijtc-1014	217	3	behavioral	behavioral	ADJ
ijtc-1014	217	4	and	and	CCONJ
ijtc-1014	217	5	experimental	experimental	ADJ
ijtc-1014	217	6	finance	finance	NOUN
ijtc-1014	217	7	,	,	PUNCT
ijtc-1014	217	8	30	30	NUM
ijtc-1014	217	9	,	,	PUNCT
ijtc-1014	217	10	100471	100471	NUM
ijtc-1014	217	11	.	.	PUNCT
ijtc-1014	218	1	ross	ross	PROPN
ijtc-1014	218	2	,	,	PUNCT
ijtc-1014	218	3	s.	s.	PROPN
ijtc-1014	218	4	a.	a.	PROPN
ijtc-1014	218	5	,	,	PUNCT
ijtc-1014	218	6	westerfield	westerfield	PROPN
ijtc-1014	218	7	,	,	PUNCT
ijtc-1014	218	8	r.	r.	PROPN
ijtc-1014	218	9	w.	w.	PROPN
ijtc-1014	218	10	,	,	PUNCT
ijtc-1014	218	11	&	&	CCONJ
ijtc-1014	218	12	jordan	jordan	PROPN
ijtc-1014	218	13	,	,	PUNCT
ijtc-1014	218	14	b.	b.	PROPN
ijtc-1014	218	15	d.	d.	PROPN
ijtc-1014	218	16	(	(	PUNCT
ijtc-1014	218	17	2022	2022	NUM
ijtc-1014	218	18	)	)	PUNCT
ijtc-1014	218	19	.	.	PUNCT
ijtc-1014	219	1	fundamentals	fundamental	NOUN
ijtc-1014	219	2	of	of	ADP
ijtc-1014	219	3	corporate	corporate	ADJ
ijtc-1014	219	4	finance	finance	NOUN
ijtc-1014	219	5	.	.	PUNCT
ijtc-1014	220	1	rossolov	rossolov	NOUN
ijtc-1014	220	2	,	,	PUNCT
ijtc-1014	220	3	a.	a.	PROPN
ijtc-1014	220	4	,	,	PUNCT
ijtc-1014	220	5	rossolova	rossolova	PROPN
ijtc-1014	220	6	,	,	PUNCT
ijtc-1014	220	7	h.	h.	PROPN
ijtc-1014	220	8	,	,	PUNCT
ijtc-1014	220	9	&	&	CCONJ
ijtc-1014	220	10	holguín	holguín	PROPN
ijtc-1014	220	11	-	-	PUNCT
ijtc-1014	220	12	veras	veras	PROPN
ijtc-1014	220	13	,	,	PUNCT
ijtc-1014	220	14	j.	j.	PROPN
ijtc-1014	220	15	(	(	PUNCT
ijtc-1014	220	16	2021	2021	NUM
ijtc-1014	220	17	)	)	PUNCT
ijtc-1014	220	18	.	.	PUNCT
ijtc-1014	221	1	online	online	ADV
ijtc-1014	221	2	and	and	CCONJ
ijtc-1014	221	3	in	in	ADP
ijtc-1014	221	4	-	-	PUNCT
ijtc-1014	221	5	store	store	NOUN
ijtc-1014	221	6	purchase	purchase	NOUN
ijtc-1014	221	7	behavior	behavior	NOUN
ijtc-1014	221	8	:	:	PUNCT
ijtc-1014	221	9	shopping	shopping	NOUN
ijtc-1014	221	10	channel	channel	NOUN
ijtc-1014	221	11	choice	choice	NOUN
ijtc-1014	221	12	in	in	ADP
ijtc-1014	221	13	a	a	DET
ijtc-1014	221	14	developing	develop	VERB
ijtc-1014	221	15	economy	economy	NOUN
ijtc-1014	221	16	.	.	PUNCT
ijtc-1014	222	1	transportation	transportation	NOUN
ijtc-1014	222	2	,	,	PUNCT
ijtc-1014	222	3	48(6	48(6	NOUN
ijtc-1014	222	4	)	)	PUNCT
ijtc-1014	222	5	,	,	PUNCT
ijtc-1014	222	6	3143–3179	3143–3179	NUM
ijtc-1014	222	7	.	.	PUNCT
ijtc-1014	223	1	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	ADJ
ijtc-1014	223	2	the	the	DET
ijtc-1014	223	3	impact	impact	NOUN
ijtc-1014	223	4	of	of	ADP
ijtc-1014	223	5	financial	financial	ADJ
ijtc-1014	223	6	literacy	literacy	NOUN
ijtc-1014	223	7	and	and	CCONJ
ijtc-1014	223	8	digital	digital	ADJ
ijtc-1014	223	9	awareness	awareness	NOUN
ijtc-1014	223	10	on	on	ADP
ijtc-1014	223	11	investment	investment	NOUN
ijtc-1014	223	12	intentions	intention	NOUN
ijtc-1014	223	13	karundeng	karundeng	PROPN
ijtc-1014	223	14	,	,	PUNCT
ijtc-1014	223	15	siagian	siagian	PROPN
ijtc-1014	223	16	,	,	PUNCT
ijtc-1014	223	17	hutabarat	hutabarat	PROPN
ijtc-1014	223	18	,	,	PUNCT
ijtc-1014	223	19	and	and	CCONJ
ijtc-1014	223	20	pangaribuan	pangaribuan	NOUN
ijtc-1014	223	21	291	291	NUM
ijtc-1014	223	22	|	|	ADV
ijtc-1014	223	23	ilomata	ilomata	PROPN
ijtc-1014	223	24	international	international	ADJ
ijtc-1014	223	25	journal	journal	NOUN
ijtc-1014	223	26	of	of	ADP
ijtc-1014	223	27	tax	tax	PROPN
ijtc-1014	223	28	&	&	CCONJ
ijtc-1014	223	29	accounting	account	VERB
ijtc-1014	223	30	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	PROPN
ijtc-1014	223	31	sadiq	sadiq	PROPN
ijtc-1014	223	32	,	,	PUNCT
ijtc-1014	223	33	m.	m.	NOUN
ijtc-1014	223	34	n.	n.	PROPN
ijtc-1014	223	35	,	,	PUNCT
ijtc-1014	223	36	&	&	CCONJ
ijtc-1014	223	37	khan	khan	PROPN
ijtc-1014	223	38	,	,	PUNCT
ijtc-1014	223	39	r.	r.	PROPN
ijtc-1014	223	40	a.	a.	PROPN
ijtc-1014	223	41	a.	a.	PROPN
ijtc-1014	223	42	(	(	PUNCT
ijtc-1014	223	43	2019	2019	NUM
ijtc-1014	223	44	)	)	PUNCT
ijtc-1014	223	45	.	.	PUNCT
ijtc-1014	224	1	impact	impact	NOUN
ijtc-1014	224	2	of	of	ADP
ijtc-1014	224	3	personality	personality	NOUN
ijtc-1014	224	4	traits	trait	NOUN
ijtc-1014	224	5	on	on	ADP
ijtc-1014	224	6	investment	investment	NOUN
ijtc-1014	224	7	intention	intention	NOUN
ijtc-1014	224	8	:	:	PUNCT
ijtc-1014	224	9	the	the	DET
ijtc-1014	224	10	mediating	mediate	VERB
ijtc-1014	224	11	role	role	NOUN
ijtc-1014	224	12	of	of	ADP
ijtc-1014	224	13	risk	risk	NOUN
ijtc-1014	224	14	behaviour	behaviour	NOUN
ijtc-1014	224	15	and	and	CCONJ
ijtc-1014	224	16	the	the	DET
ijtc-1014	224	17	moderating	moderate	VERB
ijtc-1014	224	18	role	role	NOUN
ijtc-1014	224	19	of	of	ADP
ijtc-1014	224	20	financial	financial	ADJ
ijtc-1014	224	21	literacy	literacy	NOUN
ijtc-1014	224	22	.	.	PUNCT
ijtc-1014	225	1	journal	journal	NOUN
ijtc-1014	225	2	of	of	ADP
ijtc-1014	225	3	finance	finance	NOUN
ijtc-1014	225	4	and	and	CCONJ
ijtc-1014	225	5	economics	economic	NOUN
ijtc-1014	225	6	research	research	NOUN
ijtc-1014	225	7	,	,	PUNCT
ijtc-1014	225	8	4(1	4(1	NOUN
ijtc-1014	225	9	)	)	PUNCT
ijtc-1014	225	10	,	,	PUNCT
ijtc-1014	225	11	1–18	1–18	NUM
ijtc-1014	225	12	.	.	PUNCT
ijtc-1014	226	1	samsuri	samsuri	PROPN
ijtc-1014	226	2	,	,	PUNCT
ijtc-1014	226	3	a.	a.	NOUN
ijtc-1014	226	4	,	,	PUNCT
ijtc-1014	226	5	ismiyanti	ismiyanti	PROPN
ijtc-1014	226	6	,	,	PUNCT
ijtc-1014	226	7	f.	f.	PROPN
ijtc-1014	226	8	,	,	PUNCT
ijtc-1014	226	9	&	&	CCONJ
ijtc-1014	226	10	narsa	narsa	PROPN
ijtc-1014	226	11	,	,	PUNCT
ijtc-1014	226	12	i.	i.	PROPN
ijtc-1014	226	13	m.	m.	PROPN
ijtc-1014	226	14	(	(	PUNCT
ijtc-1014	226	15	2019	2019	NUM
ijtc-1014	226	16	)	)	PUNCT
ijtc-1014	226	17	.	.	PUNCT
ijtc-1014	227	1	effects	effect	NOUN
ijtc-1014	227	2	of	of	ADP
ijtc-1014	227	3	risk	risk	NOUN
ijtc-1014	227	4	tolerance	tolerance	NOUN
ijtc-1014	227	5	and	and	CCONJ
ijtc-1014	227	6	financial	financial	ADJ
ijtc-1014	227	7	literacy	literacy	NOUN
ijtc-1014	227	8	to	to	ADP
ijtc-1014	227	9	investment	investment	NOUN
ijtc-1014	227	10	intentions	intention	NOUN
ijtc-1014	227	11	.	.	PUNCT
ijtc-1014	228	1	international	international	ADJ
ijtc-1014	228	2	journal	journal	PROPN
ijtc-1014	228	3	of	of	ADP
ijtc-1014	228	4	innovation	innovation	NOUN
ijtc-1014	228	5	,	,	PUNCT
ijtc-1014	228	6	creativity	creativity	NOUN
ijtc-1014	228	7	and	and	CCONJ
ijtc-1014	228	8	change	change	NOUN
ijtc-1014	228	9	,	,	PUNCT
ijtc-1014	228	10	10(9	10(9	NUM
ijtc-1014	228	11	)	)	PUNCT
ijtc-1014	228	12	,	,	PUNCT
ijtc-1014	228	13	40–54	40–54	NUM
ijtc-1014	228	14	.	.	PUNCT
ijtc-1014	229	1	seiler	seiler	PROPN
ijtc-1014	229	2	,	,	PUNCT
ijtc-1014	229	3	v.	v.	PROPN
ijtc-1014	229	4	,	,	PUNCT
ijtc-1014	229	5	&	&	CCONJ
ijtc-1014	229	6	fanenbruck	fanenbruck	PROPN
ijtc-1014	229	7	,	,	PUNCT
ijtc-1014	229	8	k.	k.	PROPN
ijtc-1014	229	9	m.	m.	PROPN
ijtc-1014	229	10	(	(	PUNCT
ijtc-1014	229	11	2021	2021	NUM
ijtc-1014	229	12	)	)	PUNCT
ijtc-1014	229	13	.	.	PUNCT
ijtc-1014	230	1	acceptance	acceptance	NOUN
ijtc-1014	230	2	of	of	ADP
ijtc-1014	230	3	digital	digital	ADJ
ijtc-1014	230	4	investment	investment	NOUN
ijtc-1014	230	5	solutions	solution	NOUN
ijtc-1014	230	6	:	:	PUNCT
ijtc-1014	230	7	the	the	DET
ijtc-1014	230	8	case	case	NOUN
ijtc-1014	230	9	of	of	ADP
ijtc-1014	230	10	robo	robo	NOUN
ijtc-1014	230	11	advisory	advisory	NOUN
ijtc-1014	230	12	in	in	ADP
ijtc-1014	230	13	germany	germany	PROPN
ijtc-1014	230	14	.	.	PUNCT
ijtc-1014	231	1	research	research	NOUN
ijtc-1014	231	2	in	in	ADP
ijtc-1014	231	3	international	international	ADJ
ijtc-1014	231	4	business	business	NOUN
ijtc-1014	231	5	and	and	CCONJ
ijtc-1014	231	6	finance	finance	NOUN
ijtc-1014	231	7	,	,	PUNCT
ijtc-1014	231	8	58	58	NUM
ijtc-1014	231	9	,	,	PUNCT
ijtc-1014	231	10	101490	101490	NUM
ijtc-1014	231	11	.	.	PUNCT
ijtc-1014	232	1	shaik	shaik	PROPN
ijtc-1014	232	2	,	,	PUNCT
ijtc-1014	232	3	m.	m.	PROPN
ijtc-1014	232	4	b.	b.	PROPN
ijtc-1014	232	5	,	,	PUNCT
ijtc-1014	232	6	kethan	kethan	PROPN
ijtc-1014	232	7	,	,	PUNCT
ijtc-1014	232	8	m.	m.	NOUN
ijtc-1014	232	9	,	,	PUNCT
ijtc-1014	232	10	jaggaiah	jaggaiah	PROPN
ijtc-1014	232	11	,	,	PUNCT
ijtc-1014	232	12	t.	t.	PROPN
ijtc-1014	232	13	,	,	PUNCT
ijtc-1014	232	14	&	&	CCONJ
ijtc-1014	232	15	khizerulla	khizerulla	PROPN
ijtc-1014	232	16	,	,	PUNCT
ijtc-1014	232	17	m.	m.	NOUN
ijtc-1014	232	18	(	(	PUNCT
ijtc-1014	232	19	2022	2022	NUM
ijtc-1014	232	20	)	)	PUNCT
ijtc-1014	232	21	.	.	PUNCT
ijtc-1014	233	1	financial	financial	ADJ
ijtc-1014	233	2	literacy	literacy	NOUN
ijtc-1014	233	3	and	and	CCONJ
ijtc-1014	233	4	investment	investment	NOUN
ijtc-1014	233	5	behaviour	behaviour	NOUN
ijtc-1014	233	6	of	of	ADP
ijtc-1014	233	7	it	it	PRON
ijtc-1014	233	8	professional	professional	ADJ
ijtc-1014	233	9	in	in	ADP
ijtc-1014	233	10	india	india	PROPN
ijtc-1014	233	11	.	.	PUNCT
ijtc-1014	234	1	east	east	PROPN
ijtc-1014	234	2	asian	asian	PROPN
ijtc-1014	234	3	journal	journal	PROPN
ijtc-1014	234	4	of	of	ADP
ijtc-1014	234	5	multidisciplinary	multidisciplinary	ADJ
ijtc-1014	234	6	research	research	NOUN
ijtc-1014	234	7	,	,	PUNCT
ijtc-1014	234	8	1(5	1(5	NUM
ijtc-1014	234	9	)	)	PUNCT
ijtc-1014	234	10	,	,	PUNCT
ijtc-1014	234	11	777–788	777–788	NUM
ijtc-1014	234	12	.	.	PUNCT
ijtc-1014	234	13	silalahi	silalahi	NOUN
ijtc-1014	234	14	,	,	PUNCT
ijtc-1014	234	15	p.	p.	PROPN
ijtc-1014	234	16	r.	r.	PROPN
ijtc-1014	234	17	,	,	PUNCT
ijtc-1014	234	18	hafizh	hafizh	NOUN
ijtc-1014	234	19	,	,	PUNCT
ijtc-1014	234	20	m.	m.	NOUN
ijtc-1014	234	21	,	,	PUNCT
ijtc-1014	234	22	nasution	nasution	NOUN
ijtc-1014	234	23	,	,	PUNCT
ijtc-1014	234	24	s.	s.	PROPN
ijtc-1014	234	25	,	,	PUNCT
ijtc-1014	234	26	&	&	CCONJ
ijtc-1014	234	27	sugianto	sugianto	PROPN
ijtc-1014	234	28	,	,	PUNCT
ijtc-1014	234	29	s.	s.	PROPN
ijtc-1014	234	30	(	(	PUNCT
ijtc-1014	234	31	2020	2020	NUM
ijtc-1014	234	32	)	)	PUNCT
ijtc-1014	234	33	.	.	PUNCT
ijtc-1014	235	1	psychology	psychology	NOUN
ijtc-1014	235	2	of	of	ADP
ijtc-1014	235	3	muslim	muslim	ADJ
ijtc-1014	235	4	investors	investor	NOUN
ijtc-1014	235	5	in	in	ADP
ijtc-1014	235	6	stock	stock	NOUN
ijtc-1014	235	7	investment	investment	NOUN
ijtc-1014	235	8	during	during	ADP
ijtc-1014	235	9	covid-19	covid-19	PROPN
ijtc-1014	235	10	pandemic	pandemic	ADJ
ijtc-1014	235	11	.	.	PUNCT
ijtc-1014	236	1	tazkia	tazkia	PROPN
ijtc-1014	236	2	islamic	islamic	PROPN
ijtc-1014	236	3	finance	finance	PROPN
ijtc-1014	236	4	and	and	CCONJ
ijtc-1014	236	5	business	business	NOUN
ijtc-1014	236	6	review	review	NOUN
ijtc-1014	236	7	,	,	PUNCT
ijtc-1014	236	8	14(1	14(1	NUM
ijtc-1014	236	9	)	)	PUNCT
ijtc-1014	236	10	.	.	PUNCT
ijtc-1014	237	1	tanuwijaya	tanuwijaya	PROPN
ijtc-1014	237	2	,	,	PUNCT
ijtc-1014	237	3	k.	k.	PROPN
ijtc-1014	237	4	,	,	PUNCT
ijtc-1014	237	5	&	&	CCONJ
ijtc-1014	237	6	setyawan	setyawan	PROPN
ijtc-1014	237	7	,	,	PUNCT
ijtc-1014	237	8	i.	i.	NOUN
ijtc-1014	237	9	(	(	PUNCT
ijtc-1014	237	10	2021	2021	NUM
ijtc-1014	237	11	)	)	PUNCT
ijtc-1014	237	12	.	.	PUNCT
ijtc-1014	238	1	can	can	AUX
ijtc-1014	238	2	financial	financial	ADJ
ijtc-1014	238	3	literacy	literacy	NOUN
ijtc-1014	238	4	become	become	VERB
ijtc-1014	238	5	an	an	DET
ijtc-1014	238	6	effective	effective	ADJ
ijtc-1014	238	7	mediator	mediator	NOUN
ijtc-1014	238	8	for	for	ADP
ijtc-1014	238	9	investment	investment	NOUN
ijtc-1014	238	10	intention	intention	NOUN
ijtc-1014	238	11	?	?	PUNCT
ijtc-1014	239	1	accounting	accounting	NOUN
ijtc-1014	239	2	,	,	PUNCT
ijtc-1014	239	3	7(7	7(7	NUM
ijtc-1014	239	4	)	)	PUNCT
ijtc-1014	239	5	,	,	PUNCT
ijtc-1014	239	6	1591–1600	1591–1600	NUM
ijtc-1014	239	7	.	.	PUNCT
ijtc-1014	240	1	yang	yang	PROPN
ijtc-1014	240	2	,	,	PUNCT
ijtc-1014	240	3	x.	x.	PROPN
ijtc-1014	240	4	,	,	PUNCT
ijtc-1014	240	5	zhao	zhao	PROPN
ijtc-1014	240	6	,	,	PUNCT
ijtc-1014	240	7	k.	k.	PROPN
ijtc-1014	240	8	,	,	PUNCT
ijtc-1014	240	9	tao	tao	PROPN
ijtc-1014	240	10	,	,	PUNCT
ijtc-1014	240	11	x.	x.	PROPN
ijtc-1014	240	12	,	,	PUNCT
ijtc-1014	240	13	&	&	CCONJ
ijtc-1014	240	14	shiu	shiu	PROPN
ijtc-1014	240	15	,	,	PUNCT
ijtc-1014	240	16	e.	e.	PROPN
ijtc-1014	240	17	(	(	PUNCT
ijtc-1014	240	18	2019	2019	NUM
ijtc-1014	240	19	)	)	PUNCT
ijtc-1014	240	20	.	.	PUNCT
ijtc-1014	241	1	developing	develop	VERB
ijtc-1014	241	2	and	and	CCONJ
ijtc-1014	241	3	validating	validate	VERB
ijtc-1014	241	4	a	a	DET
ijtc-1014	241	5	theory	theory	NOUN
ijtc-1014	241	6	-	-	PUNCT
ijtc-1014	241	7	based	base	VERB
ijtc-1014	241	8	model	model	NOUN
ijtc-1014	241	9	of	of	ADP
ijtc-1014	241	10	crowdfunding	crowdfunde	VERB
ijtc-1014	241	11	investment	investment	NOUN
ijtc-1014	241	12	intention	intention	NOUN
ijtc-1014	241	13	—	—	PUNCT
ijtc-1014	241	14	perspectives	perspective	NOUN
ijtc-1014	241	15	from	from	ADP
ijtc-1014	241	16	social	social	ADJ
ijtc-1014	241	17	exchange	exchange	NOUN
ijtc-1014	241	18	theory	theory	NOUN
ijtc-1014	241	19	and	and	CCONJ
ijtc-1014	241	20	customer	customer	NOUN
ijtc-1014	241	21	value	value	NOUN
ijtc-1014	241	22	perspective	perspective	NOUN
ijtc-1014	241	23	.	.	PUNCT
ijtc-1014	242	1	sustainability	sustainability	NOUN
ijtc-1014	242	2	,	,	PUNCT
ijtc-1014	242	3	11(9	11(9	PROPN
ijtc-1014	242	4	)	)	PUNCT
ijtc-1014	242	5	,	,	PUNCT
ijtc-1014	242	6	2525	2525	NUM
ijtc-1014	242	7	.	.	PUNCT
ijtc-1014	243	1	zhao	zhao	PROPN
ijtc-1014	243	2	,	,	PUNCT
ijtc-1014	243	3	h.	h.	PROPN
ijtc-1014	243	4	,	,	PUNCT
ijtc-1014	243	5	&	&	CCONJ
ijtc-1014	243	6	zhang	zhang	PROPN
ijtc-1014	243	7	,	,	PUNCT
ijtc-1014	243	8	l.	l.	PROPN
ijtc-1014	243	9	(	(	PUNCT
ijtc-1014	243	10	2021	2021	NUM
ijtc-1014	243	11	)	)	PUNCT
ijtc-1014	243	12	.	.	PUNCT
ijtc-1014	244	1	financial	financial	ADJ
ijtc-1014	244	2	literacy	literacy	NOUN
ijtc-1014	244	3	or	or	CCONJ
ijtc-1014	244	4	investment	investment	NOUN
ijtc-1014	244	5	experience	experience	NOUN
ijtc-1014	244	6	:	:	PUNCT
ijtc-1014	244	7	which	which	PRON
ijtc-1014	244	8	is	be	AUX
ijtc-1014	244	9	more	more	ADV
ijtc-1014	244	10	influential	influential	ADJ
ijtc-1014	244	11	in	in	ADP
ijtc-1014	244	12	cryptocurrency	cryptocurrency	NOUN
ijtc-1014	244	13	investment	investment	NOUN
ijtc-1014	244	14	?	?	PUNCT
ijtc-1014	245	1	international	international	ADJ
ijtc-1014	245	2	journal	journal	NOUN
ijtc-1014	245	3	of	of	ADP
ijtc-1014	245	4	bank	bank	PROPN
ijtc-1014	245	5	marketing	marketing	NOUN
ijtc-1014	245	6	,	,	PUNCT
ijtc-1014	245	7	39(7	39(7	NUM
ijtc-1014	245	8	)	)	PUNCT
ijtc-1014	245	9	,	,	PUNCT
ijtc-1014	245	10	1208	1208	NUM
ijtc-1014	245	11	–	–	PUNCT
ijtc-1014	245	12	1226	1226	NUM
ijtc-1014	245	13	.	.	PUNCT
ijtc-1014	246	1	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	ADJ