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Keywords: Higher-order construct
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Journal Articles
Journal of Science and Technology Policy Management (2026) 17 (2): 417–436.
Published: 18 December 2025
... in the study has identified DFL as a higher-order construct ( HOC ) constituting three items or elements namely proficiency in using digital money accounts ( DMP ), financial literacy ( FL ) and awareness of DOP . Secondly, the study highlighted that DFL and access affect the ownership and usage of DFS...
